Rural development in India has remained one of the pertinent issues conforming the planners of the country. Since independence ample resources have been marshaled to uplift the economic condition of the rural masses. Despite various interventions from the government’s side the desired results are yet to be achieved. One of such measures was the strengthening of financial institutional network for rural areas. On this front the Government tried to supplement the earlier network of commercial banks and cooperative banks with a new set of 196 Regional Rural Banks from the year 1975 onwards. RRBs are now there for nearly 30 years but many of them have not fulfilled the expectations of the rural people and of the planners. Most of them are reeling under huge accumulated losses and non-performing assets. In many states their profitability and viability are at stake and many of them are not worth continuing. Similar situation is also found in the North-east region. Since this region is predominantly rural in nature the performance of RRBs operating here are of crucial importance for economic empowerment of rural people and for a balanced regional development. Their financial parameters in almost at the states of this region are far below the accepted national level. Norm. There are many RRBs in this region that are on the verge of financial collapse. With the help of a micro level study, both at corporate and branch levels. This book delves into this aspect of financial viability and profitability of these banks in the major state of this region, viz., Assam and tries to identify the important problems associated with the functioning of RRBs. Considering the dearth of research work in this region this book provides some genuine insight into the functioning of the RRBs in particular and rural banking in general in the N-E region.
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