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The Service Area Approach was implemented under the purview of
(a) Integrated Rural Development Programme
(b) Lead Bank Scheme
(c) Mahatma Gandhi National Rural Employment Guarantee Scheme
(d) National Skill Development Mission



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The Lead Bank Scheme was introduced by the Reserve Bank of India (RBI) in 1969 with the objective of providing banking services to all areas of the country. The scheme aimed to ensure the provision of banking facilities and credit to all sectors of the economy, especially in rural and underserved areas. Under the Lead Bank Scheme, each district in India was assigned to a lead bank, which was responsible for coordinating and facilitating the banking activities of all other banks in the district. The Service Area Approach was one of the strategies adopted under the Lead Bank Scheme to ensure the comprehensive coverage of banking services in designated service areas.


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