Productivity Analysis of Regional Rural Banks: A Case Study of Mizoram Rural Bank (MRB)

The history of Regional Rural Banks (RRBs) in India dates back to 1975. It was the Narasimham committee that conceptualised the foundation of Regional Rural Banks in India. The committee felt the need of regionally oriented rural banks' that would address the problems and requirements of the rural people in India. Regional Rural Banks were established under the provisions of an Ordinance promulgated on the 26th September 1975 and the RRB Act, 1975 with an objective to ensure sufficient institutional credit for agriculture and other rural sectors.

The present study was conducted with the following major objectives:

• To analyse the performance of Mizoram Rural Bank (MRB) during the study period;

• To highlight and analyse the comparative productivity of MRB and other RRBs.

The present study is based on secondary data. The secondary data have been collected mainly through the data bases of various reports published by Mizoram Rural Bank and Regional Rural Banks. The study is confined only to the specific areas like number of branches, district coverage, deposits mobilised, credits and investments made by the Mizoram Rural Bank (MRB) for the eleventh year's period starting from 2000-01 to the year 20010-11.