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June 19, 2026JOURNAL OF ADVANCE AND FUTURE RESEARCHOpen Access

Financial Performance and Credit Efficiency of Regional Rural Banks in India: An Empirical Investigation

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The study aims to evaluate the financial performance and credit efficiency of Regional Rural Banks in India, focusing on agricultural credit.
Examined secondary data from Reserve Bank of India and NABARD reports.
Compared loan issued and loan outstanding amounts using F-tests, t-tests, ANOVA, and Scheffe post-hoc tests.
Conducted period-wise analysis from 1986-87 to 2022-23.
Loan issued and loan outstanding amounts showed no significant difference, indicating improved recovery performance.
Significant growth in agricultural lending observed, peaking during 2012-13 to 2022-23.
Improvement in profitability, business volume, credit-deposit ratio, and reduction in non-performing assets.

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Empirical investigation shows enhanced credit efficiency of Regional Rural Banks in India, aiding rural growth.

C et al. (2026) studied this question.

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