Partly in response to charges it is ignoring blacks and cities, the Carter administration has stepped up its efforts to formulate a "national urban policy," and hopes to settle on one by January, according to sources in and outside the White House.

The charges have come from assorted black leaders, most recently after a black "summit meeting" Monday in New York.

President Carter called for a "coordinated urban policy" during his campaign, and set up an "urban policy group" within the administration to devise one.

Within the past two weeks, that group began working on what one administration source called a very expedited schedule, with specific timetables and deadlines enforced by Stuart Eizenstat, the President's domestic policy adviser.

Eizenstat and Cabinet Secretary Jack Watson are scheduled to hold a series of meetings with urban experts during the fall, seeking advice, sources said.

At his daily news briefing yesterday, White House press secretary Jody Powell avoided criticizing black leaders for their attacks on the administration.

Jody Powell avoided criticizing black leaders for their attacks on the administration.

The President suggested at a news conference July 28, after Urban League executive director Vernon Jordan criticized him for not doing more to aid blacks and the poor, that Jordan's remarks were "demagogic," and "prey upon those who are poor or deprived or alienated from our society."

Yesterday, after 15 black leaders met in New York to criticize "callous neglect" of blacks, the needy and the nation's urban areas, Powell said Carter decided on a "moderate and reasonable" response.

Thus, the President's spokesman refused to be drawn into a discussion of whether Carter also considered Monday's criticism "demagogic."

Sources indicated Carter's approach to an urban policy will stress economic Development Administration's programs.

Items under consideration, the sources said, include a national urban bank making low-interest loans to businesses, an increase in the Economic Development Administration's budget, strategies to curb redlining by lending institutions, partial quarantees of local bond debts, and proposals to sell more local industrial bonds, sources said.