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Rural Banking in India
By Manas Chakrabarti

First Published : 2011
ISBN : 9788177082623
Pages : 200
Binding : Hardbound
Size : 5 x 9
Price : US$ 34

Agriculture and rural sectors play an important role in India’s overall development strategy in terms of income and employment generation and poverty alleviation. Great significance has, therefore, been accorded to developing appropriate institutions and mechanisms for catering to the credit requirements of these sectors.

Government of India promoted Regional Rural Banks (RRBs) through the RRBs Act of 1976 to bridge the gap in the flow of credit to the rural poor. The RRBs have a special place in the multi-agency approach adopted to provide agricultural and rural credit in India. These banks are state-sponsored, regionally-based and rural-oriented. Besides the RRBs, commercial and co-operative banks have been catering to the credit requirements of the rural sector.

The renewed emphasis on agricultural and rural development by the Government of India would lead to a growing demand for different types of financial services in the rural areas. The present structure of rural credit may not be able to cater to the same. RRBs would be called upon to play a greater role in providing such services due to their rural character and feel. RRBs have to take over a larger share of credit disbursements calling for much larger resource mobilization, as also greater efforts for their institutional strengthening.

            It was announced in the Union Budget for 2008-09 that the Central Government and the State Governments had reached an agreement on the content of the package for revival of the long-term cooperative credit structure. The cost of the package was estimated at Rs. 3,074 crore, of which the Central Government’s share would be Rs. 2,642 crore.

1. History and Significance of Rural Banking in India
1.1 Rural Sector in the Indian Economy
1.2 Post-Independence History of Banking in India
1.3 Rural Financial Institutions
1.4 Regional Rural Banks (RRBs)
1.5 Review of Literature on Rural Banking
2. Development of Regional Rural Banks (RRBs) in India
2.1 The Genesis
2.2 Banking Commission (Chairman: R.G. Saraiya), 1972
2.3 New Economic Programme
2.4 Working Group (Chairman: M. Narasimham), 1975
2.5 Establishing a RRB: The Basic Requirements
2.5.1 Objective
2.5.2 Jurisdiction
2.5.3 Sponsorship
2.5.4 Capital Structure
2.5.5 Management Structure
2.5.6 Training Facilities for RRB Staff
2.5.7 Banking Business
2.6 Special Concessions and Privileges allowed to RRBs
2.7 Steering Committee for Framing up Policies of the RRBs at National Level
2.8 Development of Regional Rural Banks in India
2.9 State-wise Distribution of the RRBs
2.10 Sponsoring Bank-wise Distribution of the RRBs
3. Conceptual Issues Related to Regional Rural Banks (RRBs)
3.1 Role of RRBs
3.2 Objectives of Setting up RRBs
3.3 Prominent Postulates of the RRBs
3.4 Business of RRBs
3.5 Capital Structure of the RRBs
3.6 Management and Staff Pattern of the RRBs
3.7 Board of Directors
3.7.1 The Chairman
3.7.2 General Manager
3.7.3 Area Manager
3.7.4 Other Employees
3.8 RRBs versus Commercial Banks
3.9 RRBs versus Cooperative Banks
4. Institutional Financing for Rural Credit in India
4.1 Post-Independence Rural Development
4.2 Rural Credit Requirements
4.2.1 Production/Investment Credit
4.2.2 Consumption Credit
4.2.3 Short-term Credit
4.2.4 Medium-term Credit
4.2.5 Long-term Credit
4.3 Sources of Rural Finance
4.4 Need for Institutional Finance for Rural Credit
4.5 History of Institutional Arrangements for Rural Credit
5. Performance of RRBs: A Region-wise Analysis
5.1 Structural Growth
5.1.1 Number of Branches and Districts Covered
5.1.2 Deposits and Gross Loans
5.1.3 Credit/Deposit Ratio
5.2 Mobilization of Deposits
5.2.1 Progress of Deposit Accretion under Different Scheme
5.2.2 Region-wise Progress of Deposit Accretion
5.3 Loans and Advances
5.3.1 Credit Deployment by RRBs
5.3.2 Sector-wise Deployment of Credit by the RRBs
5.3.3 Priority Sector Advances by the RRBs
5.3.4 Non-priority Sector Advances by the RRBs
5.3.5 Region-wise Advances
5.4 Profitability Performance
5.5 Non-performing Assets (NPAs)
5.5.1 Concept of NPAs
5.5.2 Identification of NPAs
5.5.3 Categorisation of NPAs
5.5.4 Trends in Gross NPAs of RRBs
5.5.5 Loan Assets Analysis
5.5.6 Impact of Non-performing Assets
5.5.7 Management of Non-performing Assets
5.5.8 Recovery Performance
6. Summary and Recommendations
6.1 Rural Credit System
6.2 Broad-based Banking Facilities
6.3 Support from Sponsor Banks
6.4 Support from State Governments
6.5 Computerization and Technological Upgradation
6.6 Legal Remedies for Recovery of Loans
6.7 Manpower Planning in RRBs
6.8 Incentives for Better Performance
6.9 Organisational Development Initiative
6.10 Merger of RRBs

Appendix: Regional Rural Banks in West Bengal

Bibliography; Index


Dr. Manas Chakrabarti is presently an Assistant Professor in the Department of Commerce, Balurghat College, Balurghat, West Bengal. He received his M.Com and Ph.D. degrees from Calcutta University in 1993 and 2009 respectively. He is also a Guest Faculty (Commerce) at the Netaji Subash Open University (Balurghat College Centre).

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