The Reserve Bank of India would conduct an internal study on practices responsible for the decline in the direct foreign investment (FDI) flows in the country. Talking to media in Bhopal after the meeting of the central board of Reserve Bank of India, Governor D. Subbarao said that RBI must understand the factors responsible for the decline in the FDI. Dr. Subbarao said that during meeting with RBI officials, Madhya Pradesh government expressed concern over lower Credit Deposit Ratio of the state. He said that banks have agreed that in year 2011-12 they will take the CD ratio to the 65 percent from 59 percent across Madhya Pradesh. The banks will try to achieve CD ratio of 40 percent in the tribal districts of the state. He said a specific plan will be prepared by April 2011 to cover tribal districts and villages of Madhya Pradesh with financial inclusion programme. This plan will extend beyond 2000 population formula of this programme because most tribal villages have population below 2000. The financial inclusion programme aims at covering all the villages over 2000 population with bank access. Madhya Pradesh has 2736 such villages that don't have banking access.