Now, public sector banks will have to monitor disposal of loan applications by members of the minority community. In addition, to avoid false records, the banks will also have to maintain records of rejection of loan applications. The records of disposal of loan applications will be maintained by the RBI in a district wise and bank wise manner on its website. The flow of credit to minorities, including Muslims, will be monitored by the RBI and the data available with it will be made accessible through RTI.

In another major decision to address the concerns expressed by the Sachar Committee over the anomalies in representation of Muslims, the government has decided to constitute a high-level committee to review the Delimitation Act, which will look into the concerns expressed by the panel. In addition, the government also decided in principle to set up an Equal Opportunity Commission (EOC) to look into grievances about discrimination against minorities, including Muslims. The structure and functions of the EOC will be notified on the basis of recommendations of an expert group to be set up by the government.

Further, the government has decided to constitute an expert group to come out with an appropriate "diversity index", which will measure the extent of social inclusion in educational institutions, work places and living spaces. The government plans to use the suggested "diversity index" as a performance indicator to measure the extent of inclusive representation. Thus, an institute with better diversity index may receive better incentives from the government than an institute or organisation with poor diversity index.

The government will also set up a National Data Bank (NDB) and an autonomous Assessment and Monitoring Authority (AMA) for minority communities, which will analyse the diversity data and suggest appropriate policies to the Government on a regular basis.

The decisions follow demands raised by several groups after the recommendations of the Sachar Committee was submitted to the government in November last year. It laid bare the stark reality of the economic, social and educational backwardness of the Muslim community and suggested the above measures to rectify them.