Union territory Bankers’ Committee, set-up as per the Lead Bank Scheme of the Reserve Bank of India. UTLBC is the highest body of bankers in the district. It is an inter-institutional forum for coordination and joint implementation of development programmes and policies by all the financial institutions operating in the union territory.

Representatives of RBI, NABARD, SIDBI, all Commercial Banks, Cooperative Banks & RRBs in the UT, state land development bank, the concerned secretary/director of finance department of Union Territory & planning secretary of Union Territory Government are the major members of UTLBC.

The forum takes the lead in initiating, streamlining and accelerating the process of development in close co-ordination with various agencies. The quarterly meetings are attended by top-level functionaries of member institutions of UTLBC to formulate and implement Annual Credit Plans for getting in time district-wise resource allocation by banks and desegregation of the various Government Programmes.

Following are some functions of UTLBC

  • To discuss issues, consider alternative solutions to the various problems in the field of banking development and evolve consensus for coordinated action by the member institutions.
  •   To examine the inter-institutional coordination in the formulation and implementation of the Annual Credit Plans
  • Confirming/ratifying the action initiated by the Steering Committee of UTLBC.
  • To review Credit Deposit Ratio, Priority Sector Advances to Weaker Sections, financing of Minority Communities etc.
  • Identifying major constraints impeding the development of the district’s economy and roping in appropriate agencies to take remedial measures. Formulation of Annual District Credit Plan and its implementation.
  • To take up for consideration such issues as have been raised by the member banks and/or the District authorities and questions of inter-bank differences of views and approach remaining unresolved at the District Level Consultative Committees.
  • To solve operational problems in implementations of Service Area Approach, Credit Plans, Government and other Agencies programmes, etc. to discuss about the availability of adequate infrastructural facilities, forward and backward linkages necessary for successful implementation of the schemes.
  •   To serve as a focal point for banking system in the state for securing better liaison with the Central Government authorities.
  • To undertake/entrust study of any specific problems in implementation of Lead Bank Scheme, Service Area Approach, Development Programmes, etc.



The edict of the Emperor Ashoka (273 to 136 B.C) was found in Saurashtra and Sopara near Bombay. Satrya Kshatrapas under the Kushana emperor seemed to have ruled over Daman District during the first century, A.D. The Coins of Bhumaka and Nahapan, the kshaharata rulers were discovered in the surrounding areas of Surat District. Ushavadatta, son-in-law of Nahapan, is said to have provided ferries on rivers Dhanuha Dhamana, Parada and Tapi. This is the earliest reference of these rivers and the names of the places, i.e. Dahanu, Daman and Pardi, remained unchanged for the last 2000 years. The District seems to have been subjected to the rule of GautamaputraSatakarnin, about 125 A.D., who drove away the Kshaharatas. But Satavahana’s rule was short lived.

Rudraman I, grandson of Chastan of Kadamaka branch of Kshatrapas reconquered a large part of Western India including the sea-board from the river Mahi in Gujarat to Ratnagiri by about 150 A.D. from Satavahana ruler, Satakarni, and Daman district again passed under the rule of KshatrapaVijayasen (234-239 A.D.) who seems to have ruled over the district till 249 A.D. Abhir king Ishwarasena of Nasik, who conquered the western part of the Deccan from the Satavahanas seems to have been laid by GautamaputraYajnashri, campaigns the Kshatrapas from 180 to 200 A.D.

The District seems to have been subjected to the rule of traikutakas during the 5th century, A.D. The Lata Country was ruled by Rashtrakutas of Malkhed in the Deccan directly till 808 A.D. by the successors, Govinda II (575- 795 A.D), Druvaraja – I (795-800 A.D) and Govinda III (800 – 808 A.D.).

Govinda III handed over the Lata kingdom to his brother Indra about. 808 A.D. and was given the title Lateswaramandalasya or the protector of Latamandala. Indra was succeded by his son Karka who seems to have ruled Latamandala with his brother, Govinda jointly till A.D. 826. Druva II, son of Karka came to the throne about 835 A.D. and was succeded by Akalavarsha in. 867. A.D. The District was passed to Tailappa II of the Chalupas of Kalyani in 973 A.D. Tailappa II placed Lata Country in the hands of his relative and general Barrpa alias DvarappaChalukya. By the middle of the 13th century, a Rajput prince Ramsingh alias Ramashah seems to have defeated the koli chief Nathorat and established himself in the hilly tract at Asheri of Asserseta near Daman about 1262 A.D.

Ramsingh was succeded by his son Somanath in 1295 A.D. The newly founded Ramnagar at the foot of the ghats flourished under Somnath (1335-1360 A.D) and Daram shah (1360-1391 A.D.). Jagatshah succeeded Gopushah and ruled during 1432 A.D. to 1470 A.D. The Portuguese from Shah of Gujarat acquired Daman. They noticed the port of Daman for the first time in 1523. A Portuguese enclave for 4 centuries and a half till the close of the colonial rule in 1961; Daman has been a coveted prize for which princes, monarchs and alien powers waged wars. Muted memories of history lie vaulted in the monuments of Daman. It had been a melting pot, where races and cultures met and mixed to bring forth a multi-coloured identity.


Daman is a costal town bound on west by the Arabian Sea and surrounded on all other sides by the territory of Gujarat State. The nearest Railway Station is at Vapi in Gujarat, about 12 KM away, which falls on main broad-gauge Railway Line connecting Bombay with Delhi and Ahmedabad.


The total area of Daman District is 72 sq. Kms. With a coastline about 12 Kms. long. Only 186 hectares of land is under forest cover, which is about 2.6% of total geographical area.


The total population of the District as per 2001 census is 1,13,989, out of which rural population is 78,219 and urban population is 35,770. In percentage terms, the rural population is 69.00% and the urban population is 31.00%. The density of population is quite high at 1583 per sq. km. as against national average of 267. The entire population is spread over one urban settlement and 21 revenue villages located on either side of the river Daman Ganga, which nearly bisects the District into two zones known as Nani Daman at the north and Moti Daman in the south, connected by a bridge. As the District lies on tribal belt, about 12.18 % of population is tribal. The scheduled caste population is only about 2.69 %. The literacy rate is 80.65 % as against the national average of 64.84 %.


Daman is having a pleasant climate all over the year. In summer, Daman is blessed with cool breeze coming from over the Arabian sea.

Maximum Temperature is 39 degree centigrade and minimum is 11 degree centigrade. The average annual rainfall is 1687 mm.

Beginning September & culminating May is the perfect period for exploring and fascination of this wonderland, but planning a holiday in monsoon is no less appealing and will evoke a great deal of exhilaration and mirth.

Daman’s climate is mildly warm and humid. The altitude of Daman town is 12 meters above sea level. The average rainfall is 2065 millimeters. The temperatures range between 32*C and 20*C.


Physiographical, the District has a gentle, undulating topography, with few isolated hillocks. It has a gradual gradient towards west and northwest. The soils are alluvial in nature along the coast and the banks of rivers and creeks, while in the interior; these turn brownish to black and clayey from weathered basaltic rocks. The coastal soils are saline / alkaline in nature. The District has three rivers following into the Arabian sea, viz. Damanganga, Kolak and Kalai. Kolak runs along the northern boundary, while Kalai runs along the southern boundary. Damanganga is the largest river, which is navigable with a bar at its mouth. There is a roadstead outside the bar, where vessels of up to 400 tones can anchor and discharge cargo.

There is no natural forest in the District. The green cover has provided by plantation of casuarinas along the coastal strip and some eucalyptus and Australian babul on wastelands and roadsides. One also finds some teak trees on the hills in the northeast but these are not adequate for commercial exploitation.


Daman can boast of a rich and multi – faced cultural heritage. Dance and Music are very much part of the daily life of Damanite. Here is a true fusion of cultures – tribal, urban, European and Indian.This ornate amalgam is reflected in the traditional dances of Daman.

Various Portuguese dances are well preserved and still widely presented.Tribal dances with caustic social comments are much in vogue.


The UT of Daman has emerged as a major industrial settlement in the country due to various concession offered by the Govt. in the past as also a congenial atmosphere for setting up industries. This industrial growth has led to a phenomenal increase in cost of limited land resource on one side and declines the agricultural activities on the other. The traditional economy of Daman relies mainly on fishing and marine products. About 18% of the population depends upon marine fishing.

The dependence on agriculture is dwindling fast on account of Industrial Development taking place at a rapid pace owing to various incentives, concessions and tax holidays offered by the Government. Only about 3% of the population is now engaged in agriculture.

Tourism is another important industry that has come up in a big way in the last few years. The Administration of Daman is actively encouraging the development of this Industry.


The 2001 census report shows that 51.70 % of the total population constitutes the workforce. There has been a perceptible shift during the past some years in numbers of workers from agriculture to industry although it has not yet been quantified. The occupational distribution appears in Annexure I.



The documented history of the District of Diu begins with the Maurya rule (c. 322-220 B.C.). Emperor Chandragupta Maurya had extended his supremacy over Saurashtra and had appointed Pushagupta as Governor of the province of Saurashtra with the Head-quarters in village Girnar near Junagadh. YavanrajTushappa ruled over Saurashtra as Governer of Emperor Ashoka (c.273-237 B.C.). Emperor Ashoka had sent YavanaThero named Dhammarakhito as evangelist to the western sea board including Diu. His grandson Samprati (c. 229-220 B.C.) seems to have ruled over Saurashtra from Ujjain. He propagated Jainism and erected many Jain Temples. The Jain traditions from Diu seems to belong to this period.

The District seems to be under the rule of Indo-Greek kings Eukratides (c. 171-150 B.C.), Meanandar (C. 115-90 B.C.) and Appollodotes II of the 1st Century B.C. to about A.D. 50. During 1st Century, the district seems to have been ruled by Kshaharatas who had established their rule over western part of India including Saurashtra. For more than the next thousand years, Diu formed part of the kingdoms of dynasties that ruled over the westrn India including Gujarat. The last king of the Vaja dynasty ruler of SomnathPatan ruled over Diu in the first decade of the fifteenth century. Thereafter, Diu came under the control of the Muslims Sultans of Gujarat who seen to have ruled Diu for the next one and a half centuries.

Early in 1535, the Portuguese Governor De Cunha had led his expedition for the capture of the town in Diu, but was defeated by the Sultan. However, around that period, the Gujarat Sultan Bahadur Shah’s kingdom was overwhelmed by Mughal invasion. Pressed by Mughal king Humayun on one side and the Portuguese at the gates of Diu, Bahadur Shah entered into a treaty with Nuno da Cunha on October 25, 1535 who agreed to assist Bahadur Shah against his enemy by land and sea. In turn he received permission to construct a fortress at Diu and a site was granted for this purpose in the harbour. After the Mughal danger was receded, te Shah of Gujarat realised his mistake in allowing the Portuguese to construct the fort. Finally Diu was conquered by the Portuguese in 1546 who ruled there till 1961.

The Union Territory was liberated along with Goa on 19th December, 1961 after five centuries Portuguese Colonial Rule. On 30th May, 1987, Daman and Diu were de-lined from Goa which attained statehood there by forming these land blocks into a separate Union Territory under the Govt. of India.


Diu is tiny island situated slightly off the coast of Kathiawar near the Port of Veraval in Gujarat with a coastal length of 21 kms. and is at a distance of about 768 kms. from Daman, the Capital of the newly formed Union Territory of Daman and Diu.

Diu is bounded by Junagadh and Amreli District of Gujarat in the North and by the Arabian Sea from three sides. It is connected by two bridges with the mainland.

The district of Diu is situated between the parallels 20°-44′-34” and 20°-42′-00” of latitude north and between the meridians 71°-00′-24” and 70°-52′-26″ of longitude east of Greenwich. Its length from the extremes north and south, measures 4.6 kms and width from east to west measures 13.8 kms. The altitude is 6 meters above sea level. The topography is generally plain. The hillocks attain maximum height of 30 metres.

The nearest railway station is Delwada at the distance of 9 kms. from Diu. But important trains are linked with Veraval which is 90 kms. from Diu. A portion of Diu District is on main land which is named as Ghoghla. A small part of Diu known as Simbar is situated in Gujarat at a distance of 25 kms. from Diu


The climate of Diu is normally pleasant throughout the year. The Monsoon season lasts from June to September with maximum rainfall being 25″ or 63.5 cms.

The mean maximum temperature does not exceed 38° C and the minimum does not fall below 15° C during summer. In winter it ranges from 20° to 25° C.


The territories of Daman and Diu were under Portuguese regime before the liberation. Traditionally they carry on the life pattern of Gujarat and Saurashtra Cultural region.

Diu is an extension of Kathiawad Cultural Zone which influences language, dress, patterns, food habits, customs and practice and other culture elements. The ethnic mosaic of Daman and Diu comprises of Hindus, viz. the Kharwa, Koli Patel, Koli, Bhraman, Bania, Vanja, Salat, Sanghadia, Sager, Baria, Kamli, Mitna, Mangela, Bhandari, Macchi, Kumbhar, Mahyavanshi, the tribals, namely the Dhobia, Dubla and Siddi; The Muslim viz. Momin and Khoja descendants of Rajputs which referring to the ATAK (Surname) GOTRA (clan) names. While the Kharwa, Koli, Koli Patel, Vanja, Mangela, Bhandari, Sager and Salat claim to be the original inhabitants of Union Territory, other perceive them as migrants from various places of Gujarat and Saurashtra.