Journal of Advances in Developmental Research

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A Study on Impact of Merging of Regional Rural Banks on Financial Inclusion in Rajasthan: A Case Study of Rajasthan Gramin Bank.

Author(s) Mr. Pankaj Kumar Sharma
Country India
Abstract Regional Rural Banks (RRBs) play a crucial role in promoting financial inclusion and providing institutional credit to rural and semi-urban populations in India. Over time, the Government of India initiated a series of amalgamations of RRBs to improve their operational efficiency, strengthen financial viability, and enhance outreach in rural areas. Under the “One State, One RRB” policy, several RRBs were merged to create stronger and more efficient banking institutions capable of expanding financial services in underserved regions. In Rajasthan, the merger of Rajasthan Marudhara Gramin Bank and Baroda Rajasthan Kshetriya Gramin Bank led to the formation of Rajasthan Gramin Bank with the objective of improving banking accessibility, technological capabilities, and financial service delivery.
This research paper examines the impact of the merger of Regional Rural Banks on financial inclusion in Rajasthan, with special reference to Rajasthan Gramin Bank. The study evaluates how the consolidation of RRBs has influenced access to banking services, credit availability, branch expansion, and the adoption of digital banking facilities among rural populations. The research adopts an analytical and descriptive methodology based on secondary data collected from annual reports, Reserve Bank of India publications, and other official sources. The study compares the pre-merger and post-merger performance of the bank using indicators such as deposit growth, credit disbursement, branch network, and outreach to priority sectors.
Keywords Regional Rural Banks, Financial Inclusion, Bank Merger, Rural Banking, Rajasthan Gramin Bank, Rural Development.
Field Sociology > Banking / Finance
Published In Volume 17, Issue 1, January-June 2026
Published On 2026-06-07
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