Central Bank of India Management Pushes Aggressive Field Visits to Revive RAM Portfolio; Unions Remain Silent
Mumbai, August 2025: In an urgent move to arrest the declining Retail, Agriculture, and MSME (RAM) portfolio, the top management of Central Bank of India has instructed all branch heads to conduct mandatory field visits between 11:00 AM and 3:00 PM daily, without exception.
Directive in Brief: Under the special campaign “Each One Fetch One Each – 6.0” (EOFOE-6.0), running from August 1 to September 30, 2025, all branch heads must canvass for RAM proposals daily and report to the Regional Processing Centre by 4:00 PM. No excuses — including staff shortage — will be entertained. Compliance will be monitored through IVRS CCTV systems.
The directive comes after performance data as of July 31, 2025 revealed that the region’s RAM portfolio had recorded negative growth over March 2025 levels. Despite multiple credit camps during the first quarter, the results were far below expectations, drawing sharp displeasure from senior management.
According to the circular, the Central Office aims to strengthen the RAM segment by ensuring that branch managers actively engage in the field to source quality loan proposals. The campaign is expected to be one of the most aggressive mobilizations of staff in recent years.
However, bank employee unions have so far remained silent on the matter. This lack of response has raised concerns among employees, who believe the move puts excessive pressure on branches already burdened with multiple operational and compliance responsibilities.
With the two-month campaign now underway, it remains to be seen whether this field-intensive approach will revive the RAM portfolio or deepen the growing unease between Central Bank of India’s management and its workforce.
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