Human Resource Development (HRD) has assumed considerable importance in the recent years. Be it a business organization, or a bank or a common office, the development of the human resources is necessary for its efficient and effective working. In an evolutionary process when to attain higher level of living, it can hardly overlook the need of developing its human resources to meet higher and overdeveloping new challenges of raising the level of the masses. A country living in villages should clearly understand the need of HRD in all those organizations that seek to lubricate the wheels of progress in the villages. It is this realization that the banks are enhancing the competencies of their personnel by providing them with more and more training and development opportunities, maintaining good interpersonal relationship and also creating an atmosphere of trust and confidence. Therefore the present study confines to such two financial institutions that are involved in the economic transformation of rural areas. These two institutes are Jammu Rural Bank (JRB) and Jammu Central Cooperative Bank (JCCB) where it is highly essential that the demand for HRD is fully met so that better services are provided to the needy rural masses. Therefore, the present study is conducted empirically to examine the bank personnel competence as per the judgement of bank customers and executives through self developed questionnaires. The study also emphasizes on the prevailing HRD climate in the banks that is evaluated as per the opinions of bank personnel. Accordingly the whole research study is presented into eight chapters. Thus this research will prove to be useful to the researchers and a guideline to the rural banks for adopting various policies and programmes to enhance the competence level of their personnel.
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