Archive · 25 Aug 2026
Regional Rural Banks Post Record Profit in FY 2025-26
Regional Rural Banks help people in villages and smaller towns use banking services.
The banks earned a record Rs 10,176 crore during FY 2025-26.
This was higher than the Rs 6,820 crore they earned the year before.
Their total banking business also grew to more than Rs 13.5 lakh crore.
Fewer of their loans were classified as troubled or unpaid.
The banks opened more than 54.98 lakh new Jan Dhan accounts for people who may not have had bank accounts.
Government officials asked them to provide more loans to rural communities.
They were also asked to improve technology so more people can use digital banking.
Regional Rural Banks’ combined net profit rose to Rs 10,176 crore in FY 2025-26 from Rs 6,820 crore a year earlier.
The 28 RRBs operated 22,273 branches across 26 states and three Union Territories, covering around 700 districts.
Combined business exceeded Rs 13.5 lakh crore, while the credit-deposit ratio reached a record 75.2%.
Gross non-performing assets fell to 5.3% and net NPAs to 2.1%, both reported as significant improvements.
RRBs opened more than 54.98 lakh new Jan Dhan accounts and were urged to expand digital banking and rural credit.
- Who
- India’s 28 Regional Rural Banks, along with the Department of Financial Services, sponsor banks, the National Bank for Agriculture and Rural Development, the Reserve Bank of India and SIDBI.
- What
- RRBs reported record profits, improved asset quality and expanded banking and financial-inclusion activity in FY 2025-26.
- When
- During financial year 2025-26; the performance was reviewed at a meeting held on Tuesday.
- Where
- The review meeting was held in Delhi, while the RRBs operated across 26 states and three Union Territories.
- Why
- The Department of Financial Services reviewed performance and urged RRBs to expand formal rural credit, technology adoption and last-mile banking access.
- Net profit
- Rs 10,176 crore in FY 2025-26, up from Rs 6,820 crore a year earlier
- Number of RRBs
- 28
- Branch network
- 22,273 branches
- Geographical coverage
- 26 states, three Union Territories and around 700 districts
- Combined business
- More than Rs 13.5 lakh crore
- Asset quality
- Gross NPA: 5.3%; net NPA: 2.1%
- New Jan Dhan accounts
- More than 54.98 lakh opened during FY 2025-26
- Credit-deposit ratio
- 75.2%, a record level