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@article{193706,
        author = {Aisharya Ghosh and Dr. Subhamoy Das},
        title = {Performance Dynamics of Regional Rural Banks: Trends in Capital, Credit, Profitability and Financial Inclusion},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {10},
        pages = {825-829},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=193706},
        abstract = {Regional Rural Banks represent an important institutional arrangement in India’s rural credit system. They were created to combine the local familiarity of cooperative institutions with the managerial capacity and resource base of commercial banks. The present study examines the institutional structure and financial performance of Regional Rural Banks using consolidated banking indicators obtained from official reports. The paper evaluates outreach, capital adequacy, deposits, credit expansion, profitability, asset quality and participation in financial inclusion programmes. The findings show a clear improvement in financial stability reflected in higher capital adequacy, declining non-performing assets and rising profitability. Credit expansion and an improving credit-deposit ratio indicate stronger utilisation of resources in rural areas. The increasing adoption of digital banking services has further strengthened operational efficiency and customer access. The study concludes that recapitalisation support, governance reforms and technological integration have improved the sustainability of Regional Rural Banks, though challenges relating to credit concentration and regional disparity remain.},
        keywords = {Regional Rural Banks, rural finance, financial inclusion, profitability, asset quality},
        month = {March},
        }