Efficacy of Regional Rural Banks (RRBs) in India: A Conventional Analysis

JIMS-8M, The Journal of Indian Management and Strategy, Vol. 11, No. 4, pp. 4-12, October-December 2006

15 Pages Posted: 3 Dec 2008

See all articles by Dr. Jasvir S. Sura

Dr. Jasvir S. Sura

Department of Business Studies and Research,Kurukshetra University P. G. Regional Centre, Jind

Date Written: December 2, 2008

Abstract

The burden of indebtedness in rural India is exceptionally enormous. Despite major structural changes in credit institutions and forms of rural credit in the post-Independence period, the exploitation of the rural masses in the name of credit facility is one of the most pervasive and persistent features of rural India.

The objectives of this paper are to assess the growth pattern of RRBs; to examine the credit distribution and geographical distribution of RRBs. The analysis period of the study is from inception (1975) to till (2005) date.

The overall position of RRBs in India is not quite encouraging. The poor credit-deposit ratio is still making dent on the improval functioning of RRBs. Since the RRB is supposed to be a bank for poor people, it's presence in all the states of country especially in underdeveloped States can make things better. The government should spread the branches of RRBs at grass root level to provide such banking service to the really needy rural people. Moreover, it is the responsibility of the bank management and the sponsored bank to take corrective measures to raise the credit-deposit ratio of the bank that would make RRBs relevant in the rural India.

Keywords: Bank Management, RRBs, CD Ratio, and Growth, Sponsored Banks, Credit Distribution

Suggested Citation

Sura, Jasvir Singh, Efficacy of Regional Rural Banks (RRBs) in India: A Conventional Analysis (December 2, 2008). JIMS-8M, The Journal of Indian Management and Strategy, Vol. 11, No. 4, pp. 4-12, October-December 2006, Available at SSRN: https://ssrn.com/abstract=1310074

Jasvir Singh Sura (Contact Author)

Department of Business Studies and Research,Kurukshetra University P. G. Regional Centre, Jind ( email )

Department of Business Studies and Research
Kurukshetra University P. G. Regional Centre
Jind, Haryana 126102
India
+919466778222 (Phone)

HOME PAGE: http://www.kuk.ac.in

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