Ministry of Finance
Regional Rural Banks (RRBs) Post Highest-Ever Net Profit of Rs. 10,177 Crore in FY 2025–26, show consistent improvement in other key financial parameters
Government Strengthens RRBs through Regular Performance Reviews, Technology Upgradation and Financial Inclusion Initiatives
Government Periodically Monitors Regional Rural Banks Progress Under PMJDY, PMMY, PMSBY, PMJJBY and Atal Pension Yojana to Deepen Financial Inclusion
प्रविष्टि तिथि:
28 JUL 2026 3:29PM by PIB Delhi
The Government of India regularly reviews the performance and financial health of Regional Rural Banks (RRBs) at national and regional levels.
The following reviews of RRBs have been held under the Chairpersonship of Finance Minister in last four financial years:
|
S.No
|
National/Regional level
|
Date and Place
|
|
1.
|
National level
|
07.07.2022 at New Delhi
|
|
2.
|
North-Eastern RRBs
|
21.07.2023 at Agartala
|
|
3.
|
Southern RRBs
|
04.08.2023 at Chennai
|
|
4.
|
Northern RRBs
|
30.08.2023 at New Delhi
|
|
5.
|
National level
|
19.08.2024 at New Delhi
|
|
6.
|
Western-Central RRBs
|
22.08.2024 at Udaipur
|
|
7.
|
North-Eastern RRBs
|
30.09.2024 at Itanagar
|
|
8.
|
Southern RRBs
|
09.11.2024 at Bengaluru
|
|
9.
|
Eastern RRBs
|
29.11.2024 at Patna
|
|
10.
|
Karnataka Grameena Bank
|
16.10.2025 at Ballari
|
Further, as a follow-up, Department of Financial Services (DFS) conducts periodic and regular meetings with RRBs and sponsor banks at various levels.
The agenda items for the review meetings, inter-alia, include:
- Review of the performance of RRBs on financial parameters.
- Focus on technology upgradation.
- Thrust on Micro Small and Medium Enterprise (MSME) portfolio.
- Importance on loan diversification towards Agri-allied, MSME and Retail Sectors.
- Expansion of Financial inclusion in rural and remote areas.
The financial health of RRBs has improved in the recent years. RRBs posted the highest ever consolidated net profit of Rs. 10,177 crores during FY 2025-26. RRBs have also shown consistent improvement in key financial parameters like Capital to Risk Weighted Asset Ratio (CRAR), deposits, advances, Non-Performing Asset (NPA), Credit-Deposit Ratio (CD ratio) etc. Performance of RRBs on key financial parameters in past three years is here:
|
Sr.
No.
|
Key Financial Parameters
|
FY 2023-24
|
FY 2024-25
|
FY
2025-26
|
|
1.
|
Total Deposits
(In Rs. Crore)
|
6,59,815
|
7,13,800
|
7,68,621
|
|
2.
|
Loans Outstanding
(In Rs. Crore)
|
4,71,384
|
5,24,163
|
5,78,349
|
|
3.
|
Credit-Deposit Ratio
(CD ratio) (%)
|
71.4
|
73.4
|
75.2
|
|
4.
|
Gross Non-Performing Asset
(GNPA) (%)
|
6.1
|
5.4
|
5.3
|
|
5.
|
Net Non-Performing Asset
(NNPA) (%)
|
2.4
|
2.0
|
2.1
|
|
6.
|
Net Profit
(In Rs. Crore)
|
7,571
|
6,820
|
10,177
|
|
7.
|
Net Worth
(In Rs. Crore)
|
56,780
|
63,927
|
74,086
|
|
8.
|
Capital to Risk Weighted Assets
Ratio (CRAR) (%)
|
14.2
|
14.4
|
15.0
|
Source: NABARD
Government regularly reviews the progress made by RRBs in deepening financial inclusion in rural and remote areas. The targets for various financial inclusion schemes like Pradhan Mantri Jan-Dhan Yojana (PMJDY), Pradhan Mantri MUDRA Yojana (PMMY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Atal Pension Yojana (APY) are set by DFS and periodically monitored.
This information was given by Minister of State in the Ministry of Finance Shri Pankaj Chaudhary in Rajya Sabha today.
******
SR/AD
(रिलीज़ आईडी: 2290397)
आगंतुक पटल : 267