Important Points You Lot Should Know Close Regional Rural Banks (Rrbs) For Ibps Rrb Po In Addition To Clerk Exams

Friends, inwards this postal service nosotros shall verbalize over close the basic points you lot should know close Regional Rural Banks (RRBs).  CWE for RRB (Regional Rural Banks ) PO together with Clerical Exams. These points volition hold out helpful for you lot inwards your upcoming IBPS PO / Clerks together with IBPS RRB PO / Clerks Exams. Previously NABARD takes responsibilities for Recruiting the Staff inwards RRB’s. And used to behave the Individual Exams together with Interviews for the Recruitment. Now this was changed together with IBPS taken the rights to behave Common written assay together with Interviews for Regional Rural Banks. All The Best 🙂
Regional Rural Banks (RRBs) – The History 

Rural banking inwards Republic of Republic of India started since the establishment of banking sector inwards India.  Regional Rural Banks were fix later nationalizations of banks inwards 1969 when emphasis shifted to providing to a greater extent than credit to weaker sections. Regional Rural Banks were established nether the provisions of an Ordinance promulgated on the 26th September 1975 and the RRB Act, 1976 amongst an objective to ensure sufficient institutional credit for agriculture together with other rural sectors.  Rural Banks inwards those days mainly focused upon the Agro Sector. Regional rural banks inwards Republic of Republic of India penetrated every corner of the reason together with extended a helping paw inwards the increase procedure of the country.

Here is the Complete listing of 82 Regional Rural Banks(RRB) in Republic of Republic of India past times Sate wise which are participating inwards IBPS RRB Exam :

Andhra Pradesh

  •  Andhra Pradesh Grameena Vikas Bank (APGVB)
  • Andhra Pragathi Grameena Bank
  • Deccan Grameena Bank
  • Chaitanya Godavari Grameena Bank
  • Saptagiri Grameena Bank

Arunachal Pradesh

  •  Arunachal Pradesh Rural Bank


  •  Assam Gramin Vikash Bank
  •  Langpi Dehangi Rural Bank


  •  Madhya Bihar Gramin Bank
  •  Bihar Kshetriya Gramin Bank
  •  Uttar Bihar Kshetriya Gramin Bank
  • Kosi Kshetriya Gramin Bank
  • Samastipur Kshetriya Gramin Bank


  • Chhattisgarh Gramin Bank.
  • Surguja Kshetriya Gramin Bank
  • Durg-Rajnandgaon Gramin Bank


  • Dena Gujarat Gramin Bank
  • Baroda Gujarat Gramin Bank
  • Saurashtra Gramin Bank


  • Harayana Gramin Bank
  • Gurgaon Gramin Bank

Himachal Pradesh

  • Himachal Gramin Bank
  • Parvatiya Gramin Bank

Jammu & Kashmir

  • Jammu Gramin Bank (Merger of Jammu Rural together with Kamraz Rural Banks)
  • Ellaquai Dehati Bank


  • Jharkhand Gramin Bank
  • Vananchal Gramin Bank


  • Karnataka Vikas Grameena Bank
  • Pragathi Gramin Bank
  • Cauvery Kalpatharu Grameena Bank
  • Krishna Grameena Bank
  • Chimagalur-Kodagu Grameena Bank
  • Visveshvaraya Gramin Bank


  • South Malabar Gramin Bank
  • North Malabar Gramin Bank

Madhya Pradesh

  • Narmada Malwa Gramin Bank
  • Satpura Kshetriya Gramin Bank
  • Madhya Bharath Gramin Bank
  • Chambal-Gwalior Kshetriya Gramin Bank
  • Rewa-Sidhi Gramin Bank
  • Sharda Gramin Bank
  • Ratlam-Mandsaur Kshetriya Gramin Bank
  • Vidisha Bhopal Kshetriya Gramin Bank
  • ahakaushal Kshetriya Gramin Bank
  • Jhabua Dhar Kshetriya Gramin Bank


  • Marathwada Gramin Bank
  • Aurangabad-Jalna Gramin Bank
  • Wainganga Kshetriya Gramin Bank
  • Vidharbha Kshetriya Gramin Bank
  • Solapur Gramin Bank
  • Thane Gramin Bank
  • Ratnagiri-Sindhudurg Gramin Bank


  • Manipur Rural Bank


  • Ka Bank Nogkyndong Ri Khasi-Jaintia


  • Mizoram Rural Bank


  • Nagaland Rural Bank


  • Kalinga Gramya Bank
  • Utkal Gramya Bank
  • Baitarani Gramya Bank
  • Neelachal Gramya Bank
  • Rushikulya Gramya Bank


  • Punjab Gramin Bank
  • Faridkot-Bhatinda Kshetriya Gramin Bank
  •  Malwa Gramin Bank


  • Baroda Rajasthan Gramin Bank
  • Marwar Ganganagar Bikaner Gramin Bank
  • Rajasthan Gramin Bank
  • Jaipur Thar Gramin Bank
  •  Hodoti Kshetriya Gramin Bank
  •  Mewar Anchalik Gramin Bank

Tamil Nadu

  • Pandyan Grama Bank
  • Pallavan Grama Bank


  • Tripura Gramin Bank

Uttar Pradesh

  • Purvanchal Gramin Bank
  •  Kashi Gomti Samyut Gramin Bank
  •  Uttar Pradesh Gramin Bank
  • Shreyas Gramin Bank
  •  Lucknow Kshetriya Gramin Bank
  •  Ballia Kshetriya Gramin Bank
  • Aryavart Gramin Bank
  • Kisan Gramin Bank
  • Kshetriya Kisan Gramin Bank
  • Etawah Kshetriya Gramin Bank
  • Rani Laxmi Bai Kshetriya Gramin Bank
  • Baroda Western Uttar Pradesh Gramin Bank
  • Devipatan Kshetriya Gramin Bank
  •  Prathama Bank
  • Baroda Eastern Uttar Pradesh Gramin Bank


  • Uttaranchal Gramin Bank
  • Nainital Almora Kshetriya Gramin Bank

West Bengal

  • Bangiya Gramin Vikash Bank
  • Paschim Banga Gramin Bank
  • Uttar Banga Kshetriya Gramin Bank

Objectives of Regional Rural Banks :

The importance of the rural banking inwards the economical evolution of a reason cannot hold out overlooked. As Gandhiji said “Real Republic of Republic of India lies inwards Villages,” together with hamlet economic scheme is the backbone of Indian economy. Without the upliftment of the rural economic scheme every bit good every bit the rural people of our country, the objectives of economical planning cannot hold out achieved. In fact, the existent increase of Indian economic scheme lied inwards the freeing of rural masses from acuate poverty, unemployment, together with socio-economic backwardness.

Regional Rural Banks (RRBs) are oriented towards coming together the needs of the weaker sections of the rural population consisting of :
  • Small together with marginal farmers,
  • Agricultural labourers,
  • Artisans,
  • Small entrepreneurs,
  • Mobalise deposits from rural households

RRBs are expected to brand credit available to rural households also inspiring carefulness. Put it unproblematic to ensure sufficient institutional credit for agriculture together with other rural sectors.

The Credit Delivery System :
  • Grant of credit at inexpensive or concessional rates
  • Lending to individuals belonging to weaker sections without checking the viability of the action proposed to hold out undertaken.

The Operational Area of RRB “

The expanse of functioning of RRBs is express to the expanse every bit notified past times GoI roofing 1 or to a greater extent than districts inwards the State.
Ownership of RRBs :

RRBs are jointly owned past times Government of Republic of Republic of India (GOI), the concerned State Government together with Sponsor Banks (27 scheduled commercial banks together with 1 State Cooperative Bank); the issued majuscule of a RRB is shared past times the owners inwards the proportion of 60%, 20% together with 20% respectively.

Reform Process – RRBs
In companionship to render access to low-cost banking facilities to the poor, the Narasimham Working Group (1975) proposed the establishment of a novel laid of banks, every bit institutions which “combine the local experience together with the familiarity amongst rural problems which the cooperatives possess together with the grade of job organisation organization, might to mobilize deposits, access to key coin markets together with modernized outlook which the commercial banks have”.
RRBs started their evolution procedure on sec Oct 1975 amongst the formation of a unmarried banking concern (Prathama Grameen Bank). As on 31 March 2006, in that place were 133 RRBs (post-merger) roofing 525 districts amongst a network of 14,494 branches.

RBI Assistance
With a thought to facilitate RRBs operations, the RBI gave RRBs straight access to refinance assistance at a concessional rate of 3 per cent below the banking concern rate.
Allowed to maintain a lower flat of SLR than commercial banks.
Allowed to pay one-half per cent to a greater extent than interest on all deposits except those of 3 years together with above.
Sponsor banks IDBI, NABARD, SIDBI, together with other FIs are statutorily required nether the RRBs Act to provide managerial together with fiscal assistance to RRBs.

Evaluation of RRBs

The Committee constituted past times the RBI inwards June 1977 to valuate the performance of RRBs concluded that amongst merely about modifications inwards their organisation together with structure. The Committee to Review Arrangements for Institutional Credit for Agriculture together with Rural Development which inter alia examined the purpose of RRBs inwards the rural evolution work, suggested the next : 
  • Preference for opening banking concern branches than commercial banks
  • The eligible job organisation of commercial banks’ rural branches may hold out transferred to RRBs.
  • The losses inwards initial years of RRBs may hold out met past times shareholders together with equity majuscule should also hold out raised.
  • The diverse facilities provided past times sponsor banks should proceed for 10 yrs inwards each case
  • Concessionary refinance past times RBI should hold out continued
  • The control, regulation, together with promotional responsibilities should hold out transferred from the GOI to RBI or NABARD.

Regulatory Control

RRBs are allowed upward to Dec 31, 2000 to maintain cash reserves at 3 per cent of their demand together with fourth dimension liabilities. A number of measures were taken since 1995 non exclusively to brand RRBs feasible but also to enable them to component effectively.
Apart from recapitalisation together with infusion of equity, the measures include : Deregulation of involvement rates on advance together with deposits of higher upward 1 twelvemonth maturity; rationalization of branches; together with relaxation of norms relating to investments past times RRBs.

In 1998-99 NABARD introduced several policy measures for improving overall performance. 
They are :
  • Quarterly / one-half yearly review of RRBs specially weak ones past times the sponsor banks
  • Merger of RRBs coming nether a sponsor banking concern together with operating inwards contiguous areas
  • Off-site surveillance
  • Framing of Appointment together with Promotion rules (1998) for the staff of RRBs
  • Introduction of Kissan Credit Cards for provision of credit to farmers. 

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