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RRBs Hit Rs 12 Lakh Crore Business, Profit Soars to Rs 7,720 Crore

The total business of India's 28 Regional Rural Banks has surpassed Rs 12 lakh crore in the first half of FY 2025-26, exceeding the business levels of some individual public sector banks. Their consolidated net profit has risen to Rs 7,720 crore, showing strong growth from the previous fiscal year. Both Gross and Net Non-Performing Assets are on a declining trend, indicating improving asset quality. The banks are also advancing financial inclusion, having opened over 45.68 lakh new Jan Dhan accounts this financial year.

Key Points: RRBs Business Crosses Rs 12 Lakh Crore, Profit Surges

  • Business crosses Rs 12 lakh crore
  • Net profit at Rs 7,720 crore
  • GNPA and NNPA on downward trend
  • Over 45 lakh new PMJDY accounts opened
2 min read

RRBs' business crosses Rs 12 lakh crore, net profit surges to Rs 7,720 crore

Regional Rural Banks see business cross Rs 12 lakh crore with net profit rising to Rs 7,720 crore, driven by strong financial performance.

"Total business of all 28 RRBs has crossed Rs. 12 lakh crore - Finance Ministry"

New Delhi, Jan 31

The total business of 28 Regional Rural Banks has crossed Rs 12 lakh crore in the first half this fiscal, according to the government.

Currently, 28 RRBs are operating through 22,158 branches across 26 states and three Union Territories, covering about 730 districts.

"Total business of all 28 RRBs has crossed Rs. 12 lakh crore, surpassing business level of few individual PSBs in the 1st half of Financial Year 2025-26," according to Finance Ministry.

These banks collectively serve 32.4 crore deposit accounts and 3.2 crore loan accounts.

According to the statement, the net profit of RRBs has increased to Rs 7,720 crore (provisional up to December 2025), compared to a consolidated net profit of Rs 6,820 crore in FY 2024-25.

Both Gross Non-Performing Assets (GNPA) and Net Non-Performing Assets are on the downward trend, it added.

M. Nagaraju, Secretary, Department of Financial Services (DFS), has called upon all RRBs to sustain and improve further on their performance in the near future.

He said that expanding coverage of social security schemes among the rural population, diversifying the loan portfolio, strengthening the IT infrastructure, digital delivery of financial services, strengthening grievance redressal mechanisms for all the customers, especially in rural and far-flung areas are some of the key priority areas for improvement.

The DFS Secretary also urged all the RRBs, NABARD and sponsor banks to proactively identify forthcoming challenges, strengthen their preparedness to effectively address them.

According to Finance Ministry, RRBs also continue to achieve all targets and sub-targets prescribed under Priority Sector Lending, reflecting their strong commitment to serving marginalised and targeted segments of society.

RRBs are also playing a vital role in advancing financial inclusion, having opened over 45.68 lakh new Pradhan Mantri Jan Dhan Yojana (PMJDY) accounts during the current financial year.

- IANS

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Reader Comments

P
Priya S
Great to see profits rising, but the real success is in the numbers they mention last – 45 lakh+ new Jan Dhan accounts! That's financial inclusion in action. My chacha in a UP village just got his KCC loan through the local RRB branch. It's making a difference.
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Rahul R
Impressive figures, no doubt. But I hope this profit doesn't come from being overly cautious with lending to the very farmers and small businesses they are meant to serve. The Secretary's point about diversifying the loan portfolio is key. Need more risk-taking for genuine rural growth.
A
Anjali F
The reduction in NPA is the most positive sign here. It means loans are being repaid, which indicates the rural economy is functioning well. 22,000+ branches is a massive reach. Hope they focus on digital services as mentioned, so people don't have to travel far.
M
Michael C
Working in development finance, these numbers are staggering. Serving 32.4 crore deposit accounts is a massive undertaking. The scale of India's financial inclusion story, driven by institutions like RRBs, is something the world should study.
K
Kriti O
Good performance. But the article ends with "strengthening grievance redressal". This is so important! In my district, the RRB staff is helpful, but if there's an issue, resolution takes ages. Profit is good, but customer service in remote areas must be the top priority now.

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