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Performance and Financial Health of Regional Rural Banks in India
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The financial health of Regional Rural Banks has improved in recent years as they reported their highest ever consolidated net profit of Rs 7,571 crore during FY 2023-24, followed by the second highest net profit of Rs 6,825 crore during FY 2024-25. The decline was due to the implementation of the pension scheme with retrospective effect from 1 November 1993 and payments towards computer increment liability. The complete performance details are as follows:
Performance of RRBs on Key Financial Parameters
| Sr.No. | Key Financial Parameters | FY 2020-21 | FY 2021-22 | FY 2022-23 | FY 2023-24 | FY 2024-25 | As on 30 September 2025 (Provisional) |
| 1. | Total Deposits(In Rs. Crore) | 5,25,226 | 5,62,538 | 6,08,509 | 6,59,815 | 7,13,800 | 7,20,000 |
| 2. | Loans Outstanding(In Rs. Crore) | 3,34,171 | 3,62,838 | 4,14,368 | 4,71,384 | 5,26,763 | 5,50,509 |
| 3. | Credit-Deposit Ratio(CD ratio) (%) | 63.6 | 64.5 | 68.1 | 71.4 | 73.8 | 76.5 |
| 4. | Gross Non-Performing Asset (GNPA) (%) | 9.4 | 9.1 | 7.2 | 6.1 | 5.4 | 5.8 |
| 5. | Net Non-PerformingAsset (NNPA) (%) | 4.8 | 4.7 | 3.2 | 2.4 | 2.0 | 2.3 |
| 6. | Net Profit(In Rs. Crore) | 1,685 | 3,219 | 4,974 | 7,571 | 6,825 | 6,274 |
| 7. | Net Worth(In Rs. Crore) | 30,476 | 40,177 | 47,451 | 56,780 | 63,927 | 69,184 |
| 8. | Capital to RiskWeighted Assets Ratio (CRAR) (%) | 10.2 | 12.7 | 13.4 | 14.2 | 14.4 | Net Non-Performing Asset (NNPA) (%) |
