Regional rural banks post all-time high net profit of Rs 10,177 crore in FY26
New Delhi, July 28
India's regional rural banks have recorded their highest-ever net profit of Rs 10,177 crore in FY26 as per a statement by the Ministry of Finance.
As per the release, the RRBs have shown consistent improvement across key financial indicators, including CRAR, deposits, NPAs and the credit-deposit (CD) ratio.
"The financial health of RRBs has improved in recent years. RRBs posted the highest ever consolidated net profit of Rs. 10,177 crores during FY 2025-26," the release said.
Total deposits grew to Rs 7,68,621 crore in FY26 from Rs 6,59,815 crore in FY24, while outstanding loans have increased to Rs 5,78,349 crore from Rs 4,71,384 crore during the same time. The credit-deposit ratio also improved to 75.2 per cent in FY26 from 71.4 per cent in FY24.
The credit-deposit ratio improved from 71.4 per cent in FY24 to 73.4 per cent in FY25 and 75.2 per cent in FY26.
Asset quality also showed improvement, with Gross NPAs declining from 6.1 per cent in FY24 to 5.4 per cent in FY25 and 5.3 per cent in FY26. Net NPAs stood at 2.4 per cent in FY24, 2.0 per cent in FY25 and 2.1 per cent in FY26.
RRBs also strengthened their financial position, with net worth rising from Rs 56,780 crore in FY24 to Rs 63,927 crore in FY25 and Rs 74,086 crore in FY26. The Capital to Risk Weighted Assets Ratio (CRAR) improved from 14.2 per cent to 14.4 per cent and 15.0 per cent over the same period.
The government monitors the progress of RRBs in expanding financial inclusion across rural and remote areas.
"The targets for various financial inclusion schemes like Pradhan Mantri Jan-Dhan Yojana (PMJDY), Pradhan Mantri MUDRA Yojana (PMMY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Atal Pension Yojana (APY) are set by DFS and periodically monitored," the release said.
— ANI
Reader Comments
Impressive figures! The reduction in NPAs from 6.1% to 5.3% shows better loan recovery and management. But I still hear stories from my village about people struggling to get small loans for agriculture. The CD ratio of 75% means more credit is being given out, which is good. Need to ensure this reaches the actual small farmer, not just big players.
All-time high profit is good news, but let's not forget that many RRB branches still suffer from poor digital infrastructure and long queues. My parents in a small town often complain about slow service. Hope the government uses some of this profit to upgrade technology and train staff. Financial inclusion is about convenience too!
These numbers are really encouraging—CRAR improving to 15% and net worth crossing Rs 74,000 crore shows strong fundamentals. I work in finance and RRBs often get overlooked compared to commercial banks. Glad to see them getting recognition. The reach of PM Jan Dhan and MUDRA via RRBs is actually massive at the grassroots level.
Good performance overall, but as a student of rural economics, I'd like to see more granular data. Are all RRBs profitable, or just a few big ones? And what about the number of accounts under these schemes? Statistics can hide regional disparities. Let's celebrate but also demand transparency! 📊
As a teacher in a rural area, I see how these banks support small businesses and women's self-help groups. The profit is welcome, but I hope the interest spread isn't too high—meaning, are they charging too much from borrowers to make
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