Financial Appraisal of RRBs: Evidence from Eastern Uttar Pradesh
Satish Chandra Tiwari1, Kishan Jee2, T. Sita Ramaiah3, Neeti Mathur4
1Satish Chandra Tiwari, Department of Finance, ICFAI Business School, Hyderabad, India.
2Kishan Jee, FMS, GNS University, Rohtas, India.
3T. Sita Ramaiah, Department of Finance, ICFAI Business School, Hyderabad, India.
3Neeti Mathur, Department of Finance, NIIT University, Rajasthan, India.
Manuscript received on February 02, 2020. | Revised Manuscript received on February 10, 2020. | Manuscript published on March 30, 2020. | PP: 903-912 | Volume-8 Issue-6, March 2020. | Retrieval Number: F7425038620/2020©BEIESP | DOI: 10.35940/ijrte.F7425.038620
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© The Authors. Blue Eyes Intelligence Engineering and Sciences Publication (BEIESP). This is an open access article under the CC BY-NC-ND license (http://creativecommons.org/licenses/by-nc-nd/4.0/)
Abstract: India’s major population lives in rural area and adequate financial credit supply are much needed for speedy economic development of this region. Regional Rural Banks (RRBs) was established with the objective to provide financial support in rural areas. RRBs have been working as an economic agent and disbursing loan to the rural people since its inception. RRBs have performed to a great extent in terms of rural credit disbursement but Non Performing Assets (NPA) has become a key trouble. For the last few years RRBs have been facing a primary challenge of mounting NPAs, which is clogging the smooth credit supply in the rural areas. The present study aims to analyze the loan disbursement towards agriculture sector, overdue and NPAs of RRBs working in Eastern Uttar Pradesh.
Keywords: RRB, Rural Credit, Agricultural Loan Disbursement, Recovery, NPA, JEL Classification: G21
Scope of the Article: Agricultural Informatics and Communication.