Performance Evaluation of Regional Rural Banks: Evidence from Indian Rural Banks

Jaynal Ahmed

Performance Evaluation of Regional Rural Banks: Evidence from Indian Rural Banks

Dr. Jaynal Uddin Ahmed §

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§ North Eastern Hill University

Performance Evaluation of Regional Rural Banks: Evidence from Indian Rural Banks

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Abstract

The genesis of the Regional Rural Banks (RRBs) for around three and half decades can be traced to the need for stronger institutional arrangements for providing rural credit. The inception of RRBs can be seen as a unique experiment as well as experience in improving the efficacy of rural credit delivery mechanism in India. In the wake of introduction of financial sector reforms, the feasibility of RRBs emerged as the most crucial factors in deciding the desired role due to their limited business flexibility with hardly any scope of diversification, smaller size of loans with higher exposure to risk prone advances and professional inefficiency in financial deployment. In order to strengthen RRBs and to improve their performance, various initiatives have been taken by the Government of India and Reserve Bank of India. The paper, therefore, is a synopsis on the evaluation of performance of RRBs in India with respect to deposit mobilization, credit channelization, credit deposit ratio, deployment of credit to various occupations etc.

References

29 Cites in Article

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Funding

No external funding was declared for this work.

Conflict of Interest

The authors declare no conflict of interest.

Ethical Approval

No ethics committee approval was required for this article type.

Data Availability

Not applicable for this article.

How to Cite This Article

Dr. Jaynal Uddin Ahmed. 2026. "Performance Evaluation of Regional Rural Banks: Evidence from Indian Rural Banks". Global Journal of Management and Business Research - C: Finance GJMBR-C Volume 13 (GJMBR Volume 13 Issue 29 (C10)).

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GJMBR Volume 13 Issue 29 (C10)

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Journal Specifications

Crossref Journal DOI 10.17406/GJMBR

Print ISSN 0975-5853

e-ISSN 2249-4588

Keywords

credit deployment deposit mobilization India population groups rural banks

Classification

GJMBR-C Classification JEL Code: G21

Submission ReceivedDecember 16, 2012
Peer Review Double Blind
Handling Editor
Accepted January 1, 2013
Published August 26, 2013

Version of record

v1.2

Issue date

August 26, 2013

Language

English

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Article Matrices

Total Score: 101

Country: India

Subject: Global Journal of Management and Business Research - C: Finance

Authors: Jaynal Uddin Ahmed (PhD/Dr. count: 0)

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