Total business of 28 RRBs crosses ₹12 lakh crore in the First Half of Financial Year 2025-26

RRBs strengthening financial inclusion; open over 45.68 lakh PMJDY accounts in the current financial year

A review meeting of the performance of Regional Rural Banks (RRBs) was held in Delhi under the chairmanship of Secretary, Department of Financial Services. The meeting was attended by Chairman, NABARD, Chairpersons of all 28 RRBs, officials from the Department of Financial Services, sponsor banks, Small Industries Development Bank of India (SIDBI) and the Reserve Bank of India.

The commendable performance of all RRBs in the Financial Year 2025-26 (upto December, 2025) was noted and appreciated. At present, 28 RRBs are operating through 22,158 branches across 26 States and 3 Union Territories, covering about 730 districts. Total business of all 28 RRBs has crossed Rs. 12 lakh crore, surpassing business level of few individual PSBs in the 1st half of Financial Year 2025-26. These banks collectively serve 32.4 crore deposit accounts and 3.2 crore loan accounts. The net profit of RRBs has increased to ₹7,720 crore (provisional up to December 2025), compared to a consolidated net profit of ₹6,820 crore in FY 2024–25. Both Gross Non-Performing Assets (GNPA) and Net Non-Performing Assets are on the downward trend.

RRBs also continue to achieve all targets and sub-targets prescribed under Priority Sector Lending, reflecting their strong commitment to serving marginalized and targeted segments of society. RRBs are also playing a vital role in advancing financial inclusion, having opened over 45.68 lakh new Pradhan Mantri Jan Dhan Yojana (PMJDY) accounts during the current financial year.

The Secretary, Department of Financial Services, called upon all RRBs to sustain and improve further on their performance in the near future. He pointed out that expanding coverage of social security schemes among the rural population, diversifying the loan portfolio, strengthening the IT infrastructure, digital delivery of financial services, strengthening grievance redressal mechanisms for all the customers, especially in rural and far-flung areas are some of the key priority areas for improvement. He also urged all the RRBs, NABARD and sponsor banks to proactively identify forthcoming challenges, strengthen their preparedness to effectively address them.

Regional Rural Banks urged to expand rural social security coverage, diversify lending, boost digital services and strengthen grievance redressal. The Secretary directed RRBs, NABARD and sponsor banks to sustain and improve performance by expanding social security scheme coverage in rural areas, diversifying loan portfolios, strengthening IT infrastructure and digital delivery of financial services, and enhancing grievance redressal mechanisms for rural and remote customers, while proactively identifying and preparing for forthcoming challenges.