Abstract
Regional Rural banks (RRBs) have been players in the regional and rural banking field since 1970s, continuously mobilising small savings from and disbursing credit to primary livelihoods. Despite certain key advantages with regard to portfolio of deposits, RRBs have lagged behind vis-à-vis their potential. A legacy of accumulated losses, a ballooning quantum of NPAs, rising incidence of frauds and adverse HR environment continue to be a drag on their prospects. A holistic reform which addresses all these concerns along with infusing a vibrant work culture in RRBs is the need of the hour.
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