The Service Area Approach was implemented under the purview of

1. A

   Integrated Rural Development Programme

   (a) Integrated Rural Development Programme was a self-employment subsidy scheme of the 1980s. Service Area Approach was a banking-area plan, not an IRDP window, so this is not the key.

2. B

   Lead Bank Scheme

   (b) Lead Bank Scheme. Service Area Approach was introduced in 1989 under that scheme: each rural and semi-urban branch was given a compact set of villages whose credit needs it had to plan. That is the official key.

3. C

   Mahatma Gandhi National Rural Employment Guarantee Scheme

   (c) MGNREGS is a demand-driven wage-employment guarantee of 2005. It is not the parent of Service Area Approach, so it is not the key.

4. D

   National Skill Development Mission

   (d) National Skill Development Mission is a skills umbrella. It does not implement village-wise bank service areas, so it is not the key.

Summary. Official key is (b). Service Area Approach (1989) sat under the Lead Bank Scheme. Each designated branch served a cluster of villages and prepared a credit plan. IRDP, MGNREGS and the Skill Mission are different instruments. Honour (b).