 Reflections on the Performance of Regional Rural Banks (RRBs) and the Need for their Revitalization on the lines of Enhanced Access and Service Excellence (EASE)Dr Pradeep Kumar B Kumar B MPRA Paper from University Library of Munich, Germany Abstract: The decline in the Credit-Deposit Ratio in Regional Rural Banks (RRBs) over the years and the consequent increase in investment by RRBs in government securities and other approved securities clearly show that RRBs have deviated from their stated objective to a greater extent. In fact, RRBs are expected to cater to the credit needs of rural areas, and the lack of institutional organized credit supply in rural areas needs to be tackled with the active involvement of RRBs in the lending process. But, owing to the changes happening in the banking field especially since the onset of reforms, many RRBs have failed to live up to this spirit. Against this background, the Government of India has started attempts to reform the RRBs on the lines of the EASE (Enhanced Access and Service Excellence). With EASE being introduced to revitalize the RRBs in tune with technological changes and customer requirements, RRBs may be able to retain their position as the frontrunner of rural institutional finance in India. Keywords: Credit Deposit Ratio; Regional Rural Banks; EASE; Institutional Finance (search for similar items in EconPapers) Downloads: (external link) Related works: Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text Persistent link: https://EconPapers.repec.org/RePEc:pra:mprapa:120492 Access Statistics for this paper More papers in MPRA Paper from University Library of Munich, Germany Ludwigstraße 33, D-80539 Munich, Germany. Contact information at EDIRC. |
Is your work missing from RePEc? Here is how to contribute.
Questions or problems? Check the EconPapers FAQ or send mail to econpapers@oru.se.
EconPapers is hosted by the
School of Business at Örebro University.