DoLR and RBI Innovation Hub Discuss Convergence of Digital Public Infrastructure for Land Governance and Credit Access

The Department of Land Resources (DoLR), Ministry of Rural Development, recently convened a meeting with the RBI Innovation Hub to discuss the integration of Digital Public Infrastructure (DPI) for land governance and digital lending as per the press release on PIB.  

The meeting was chaired by Shri Narendra Bhooshan, Secretary, DoLR, and attended by key officials from both organisations. 

Key Focus Areas of the Meeting 

The discussions aimed at creating synergies between digital land governance initiatives and the Unified Lending Interface (ULI). This integration seeks to facilitate seamless, secure, and consent-based credit delivery, particularly benefiting farmers and rural citizens.  

The participants highlighted the potential of authenticated, interoperable digital land records to improve access to institutional credit, thereby enhancing transparency and efficiency in the lending ecosystem. 

Collaboration Areas 

Several collaboration areas were identified, including enabling secure access to digital land records, accelerating digital delivery of Kisan Credit Cards (KCC), and reducing transaction costs.  

The meeting also focused on strengthening risk management through mortgage information and flag-marking mechanisms to prevent multiple financing against the same land parcel.  

Additionally, the transformation of land into a trusted digital asset for accessing formal credit was emphasised. 

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Adoption of Common Data Standards 

The importance of adopting common data standards and ensuring API interoperability was underscored. Expanding the use of ULPIN (Bhu-Aadhaar) and fostering closer collaboration between land governance and financial sector stakeholders were also discussed. 

The DoLR reaffirmed its commitment to working closely with RBI Innovation Hub and other stakeholders to build a secure, interoperable, and citizen-centric DPI that strengthens land governance while expanding access to formal credit across rural India. 

Conclusion 

The meeting between DoLR and RBI Innovation Hub focused on integrating digital land governance with lending infrastructure to enhance credit delivery. Key areas included secure access to digital land records, reducing transaction costs, and promoting financial inclusion. 

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