Concept of "Service Area Approach" was recommended by:

Answer: Option A

Service Area Approach was introduced to make rural lending more organized and more effective

It assigned each bank branch specific villages as its service area so that credit planning could be done properly

This reduced duplication of efforts and ensured better monitoring of rural borrowers

This concept was recommended by the R. V. Gupta Committee

Therefore the correct answer is Option A (R. V. Gupta)