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Rural banking in India started since the establishment of banking sector in India. Rural Banks in those days mainly focussed upon the agro sector. Regional rural banks in India penetrated every corner of the country and extended a helping hand in the growth process of the country. SBI has 30 Regional Rural Banks in India known as RRBs. The rural banks of SBI is spread in 13 states extending from Kashmir to Karnataka and Himachal Pradesh to North East. The total number of SBIs Regional Rural Bank
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    Rural banking in India started since the establishment of banking sector in India. Rural Banks in those days mainlyfocussed upon the agro sector. Regional rural banks in India penetrated every corner of the country and extended ahelping hand in the growth process of the country.SBI has 30 Regional Rural Banks in India known as RRBs. The rural banks of SBI is spread in 13 states extendingfrom Kashmir to Karnataka and Himachal Pradesh to North East. The total number of SBIs Regional Rural Banks inIndia branches is 2349 (16%). Till date in rural banking in India, there are 14,475 rural banks in the country of which2126 (91%) are located in remote rural areas.Apart from SBI, there are many other banks which function for the development of the rural areas in India. Thesebanks are listed below: Andhra Pradesh   Bihar      Andhra Pradesh Grameena Vikas Bank    Andhra Pragathi Grameena Bank    Deccan Grameena Bank    Chaitanya Godavari Grameena Bank    Saptagiri Grameena Bank Chhattisgarh      Chhattisgarh Gramin Bank    Surguja Kshetriya Gramin Bank    Durg-Rajnandgaon Gramin Bank   Haryana      Harayana Gramin Bank    Gurgaon Gramin Bank Jammu & Kashmir      Jammu Rural Bank    Ellaquai Dehati Bank    Kamraz Rural Bank   Assam      Assam Gramin Vikash Bank    Langpi Dehangi Rural Bank Jharkhand      Jharkhand Gramin Bank    Madhya Bihar Gramin Bank    Bihar Kshetriya Gramin Bank    Uttar Bihar Kshetriya Gramin Bank    Kosi Kshetriya Gramin Bank    Samastipur Kshetriya Gramin Bank   Gujarat      Dena Gujarat Gramin Bank    Baroda Gujarat Gramin Bank    Saurashtra Gramin Bank   Himachal Pradesh      Himachal Gramin Bank    Parvatiya Gramin Bank Punjab      Punjab Gramin Bank    Faridkot-Bhatinda Kshetriya Gramin Bank    Malwa Gramin Bank Kerala      Narmada Malwa Gramin Bank    North Malabar Gramin Bank Tamil Nadu      Pandyan Grama Bank     Vananchal 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 GraminBank    Vidisha Bhopal Kshetriya Gramin Bank    Mahakaushal Kshetriya Gramin Bank    Jhabua Dhar Kshetriya Gramin Bank    Pallavan Grama Bank Maharashtra      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 Karnataka      Karnataka Vikas Grameena Bank    Pragathi Gramin Bank    Cauvery Kalpatharu Grameena Bank    Krishna Grameena Bank    Chikmagalur-Kodagu Grameena Bank    Visveshvaraya Gramin Bank Rajasthan      Baroda Rajasthan Gramin Bank    Marwar Ganganagar Bikaner GraminBank    Rajasthan Gramin Bank    Jaipur Thar Gramin Bank    Hodoti Kshetriya Gramin Bank    Mewar Anchalik Gramin Bank Orissa      Kalinga Gramya Bank    Utkal Gramya Bank    Baitarani Gramya Bank    Neelachal Gramya Bank    Rushikulya Gramya Bank   West Bengal      Bangiya Gramin Vikash Bank    Paschim Banga Gramin Bank    Uttar Banga Kshetriya Gramin Bank   Meghalaya      Ka Bank Nogkyndong Ri Khasi- Jaintia Arunachal Pradesh      Arunachal Pradesh Rural Bank Manipur      Manipur Rural Bank Mizoram   Nagaland      Nagaland Rural Bank Tripura       Tripura Gramin Bank    Mizoram Rural 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    Triveni 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 GraminBank    Devipatan Kshetriya Gramin Bank    Prathama Bank    Baroda Eastern Uttar Pradesh GraminBank Uttaranchal      Uttaranchal Gramin Bank    Nainital Almora Kshetriya Gramin Bank REGIONAL RURAL BANKS  The Narasimham committee on rural credit recommended the establishment of Regional Rural Banks(RRBs) on the ground that they would be much better suited than the commercial banks or co-operativebanks in meeting the needs of rural areas. Accepting the recommendations of the Narasimhamcommittee, the government passed the Regional Rural Banks Act, 1976. A significant development in thefield of banking during 1976 was the establishment of 19 Regional Rural Banks (RRBs) under the Regional Rural Banks Act‚1976.   The RRBs were established “with a view to developing the rural economy by providing, for the purpose of  development of agriculture, trade, commerce, industry and other productive activities in the rural areas,credit and other facilities, particularly to small and marginal farmers, agricultural labourers, artisans andsmall entrepreneurs, and for matters connected therewith an d incidental thereto” .      Objective    Functions    Regional Rural Banks in India    Regional Rural Banks in Tamil NaduRRBs established with the explicit objective of   Top     Bridging the credit gap in rural areas  Check the outflow of rural deposits to urban areas  Reduce regional imbalances and increase rural employment generationThe main objectives   of setting up the RRB is to provide credit and other facilities‚ especially to the smalland marginal farmers‚ agricultural labourers artisans and small entrepreneurs in rural areas.  Each RRB will operate within the local limits specified by notification. If necessary‚ a RRB will also establish branches or agencies at places notified by the Government.   Each RRB is sponsored by a public sector bank‚ which provides assistance in several ways‚ viz., subscription to its share capital‚ provision of such managerial and financial assistance as may be mutually agreed upon and help the recruitment and training of personnel during the initial period of its functioning. Functions   Top  Every RRB is authorized to carry on to transact the business of banking as defined in the BankingRegulation Act and may also engage in other business specified in Section 6 (1) of the said Act. Inparticular ‚ a RRB is required to undertake the business of   (a) granting loans and advances to small and marginal farmers and agricultural laborers‚ whether  individually or in groups, and to cooperative societies‚ including agricultural marketing societies‚ agricul tural processing societies‚ cooperative farming societies‚ primary agricultural credit societies or farmers’ service societies‚ primary agricultural purposes or agricultural operations or other related purposes, and(b) granting loans and advances to artis ans‚ small entrepreneurs and persons of small means engaged intrade‚ commerce‚ industry or other productive activities‚ within its area of operation.   The Reserve Bank of India has brought RRB’s under the ambit of priority sector lending on par with the commercial banks. They have to ensure that forty percent of their advances are accounted for the prioritysector. Within the 40% priority target, 25% should go to weaker section or 10% of their total advances togo to weaker section. Regional Rural Banks in India   Top  The State Bank of India is one of the major commercial banks having regional rural banks. There are 30Regional Rural Banks in India, under the State Bank of India and it is spread in 13 states across India.The number of branches the SBI Regional Rural Banks is more than 2000.Several other banks, apart from the State Bank of India also functions as the promoter of ruraldevelopment in India. The other Regional Rural Banks in India are - Haryana State Cooperative Apex Bank Limited
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