With special reference to their performance in rural credit in Uttaranchal, India.

In India, Regional Rural Banks (RRBs) were started in 1975 to cater to the needs of the rural economy. Operating mainly at the district level, these RRBs pay particular attention to the credit requirements of small farmers, artisans, and agricultural workers. The capital of RRBs comes from contributions by India's central government, concerned state governments, and sponsor banks at a ratio of 50:15:35. This book contains 18 papers by scholars in the field of rural institutional finance. The papers examine almost every aspect of the functioning of India's RRBs, including geographical coverage, clientele outreach, business volume, and the development of the rural economy.

Regional Rural Banks of India: Evolution, Performance and Management is a one-stop reference book on the genesis, growth, performance, and management of the Regional Rural Banks (RRBs) in India. It is the first book of its kind, which comprehensively examines the development of modern banking in India since the ancient period to 2013 and birth, growth, and performance of Regional Rural Banks from 1975 to 2014. It looks at all the facets of operations like structure, financial management, deposits, advances, NPA management, ALM, and risk management practices prevalent in RRBs. It also describes role of IT in RRBs. The book will fill the long-felt absence of an authentic book on the functioning of RRBs of India. The book is expected to serve as a handbook for the new recruits and also as a reference book for the senior bankers and policy makers. The book, rich with volumes of latest data, provides various regulatory guidelines pertaining to day-to-dayoperations, management, and control of the rural banks. The book is targeted at the professionals, academicians, as well as students.

Banking Performance and Socio Economic Development is a one-stop reference book on the beginning, development, execution, and administration of the Regional Rural Banks (RRBs) in India. It is the main book of its kind, which extensively analyzes the improvement of current banking in India since the old time frame to 2013 and birth, development, and execution of Regional Rural Banks from 1975 to 2014. It takes a gander at all the features of operations like structure, money related administration, stores, propels, NPA administration, ALM, and hazard administration hones pervasive in RRBs. It likewise depicts part of IT in RRBs. The book will fill the long-felt nonattendance of a true book on the working of RRBs of India. The book is relied upon to fill in as a handbook for the newcomers and furthermore as a kind of perspective book for the senior bankers and strategy creators. The book, rich with volumes of most recent information, gives different administrative rules relating to everyday operations, administration, and control of the provincial banks. Future Bank projects ought to likewise encourage fortify country foundations to help effective yield and info markets (for instance, arrive and rustic fund) while keeping up social and political soundness through better focused on security nets. At long last, the Bank ought to likewise fill the holes in center indicative monetary and part work by finishing an open consumption audit, with the plan to help assemble ability to organize open spending and give the premise to measures to proficiently address instruction extension.

In India rural people such as small and marginal farmers, landless agricultural laborers, artisans and socially and economically backward castes and classes they have been exploited in the name of credit facility by informal sector. The rural credit market consists of both formal and informal financial institutions and agencies that meet the credit needs of the rural masses in India. The supply of total formal credit is inadequate and rural credit markets are imperfect and fragmented. Moreover, the distribution of formal sector credit has been unequal, particularly with respect to region and class, cast and gender in the country side. Regional Rural Banks were established under the provisions of an Ordinance promulgated on the 26th September 1975 and the RRB Act, 1975 with an objective to ensure sufficient institutional credit for agriculture and other rural sectors.This book is useful to policy makers and researchers in the field of Regional Rural Banks and Weaker Sections Development.

In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.