PERFORMANCE PARADOX OR RURAL RESILIENCE? A FIFTEEN-YEAR PROFITABILITY ANALYSIS OF UTTAR BANGA KSHETRIYA GRAMIN BANK WITHIN INDIA’S REGIONAL RURAL BANKING LANDSCAPE

Authors:

Satyaki Mitra, Govinda Prasad Bhandari

Keywords:

RRB, UBKGB, Income, Expenditure, Profitability.

Abstract:

Regional Rural Banks (RRBs) occupy a unique niche in the Indian banking mosaic. Conceived under the RRB Act of 1976, they blend the commercial-bank prowess for mobilizing deposits with the cooperative-bank intimacy required for rural outreach. Fifty years on, their dual mandate of profitability and development remains a tightrope walk: social objectives exhort them to serve marginal borrowers at concessional rates, whereas shareholders—Government of India, State Governments, and sponsor commercial banks— demand sustainable returns on capital. It is with this concern following is the Profitability Analysis of Uttar Banga Kshetriya Gramin Bank (UBKGB) within India’s Regional Rural Banking Landscape.

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