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.

This book examines the responses of the Indian states to economic reforms, and addresses a wide range of issues, such as growth dynamics, income inequality, the fiscal behaviour of the states, the role of the banking sector, and the emerging institutional structure aimed at catering for social banking and strategies for agricultural growth.

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.

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

INDIAN BANKING FOR STUDENTS OF B.COM/B.A & MANAGEMENT COURSES