redrawn to ensure proper spread of branches and closure of some branches where there is excessive bank density. This is a job to be undertaken by the Reserve Bank in collaboration with NABARD and the Lead Bank of the district. Otherwise, some areas may continue to be over-banked while some other areas may not have banking facilities within easy reach. The question is whether this reorganisation of branches in a district should be planned properly or be left to the initiative of each bank which means ad hoc development.