• Srinivasa K
• Dr. J.A. Arul Chellakumar

In Karnataka the credit needs of the rural people by the way Regional Rural Ban to facilitate rural development. The amalgamated RRBs also benefit from larger area of operation, in terms of branch expansion with different economies of scale enhanced credit exposure of small and marginal farmers credit limits for high value and diverse modern banking services. As a result of amalgamation, number of the RRBs has been reduced from 196 to 45 as on 31 March 2020, in terms of branches the numbers has been increased. The main aim of establishing Regional Rural Banks in India is to provide credit to the rural people small and marginal farmers rural arcticians who are not economically strong enough, especially the small and marginal farmers, artisans, agricultural labours and even small entrepreneurs Therefore the credit needs of Therefore rural people are fulfilled by RRBs. In addition, the majority of the county’s population, more so marginal and disadvantaged sections of society, stay in villages. There is a lack of infrastructure in Villages. Infrastructure development like electricity, irrigation, credit, marketing, transport facilities, etc., needs to be addressed here RRBs has to play significant role by proving loan facilities to different projects. RRBs has play the important role in the reduction of poverty is important because rural areas have the maximum people are living below poverty line, about 30% of the population is below the poverty line. The present study is a modest attempt to make an appraisal of the rural credit structure and the role played by RRBs in the development of rural economy. The objective of this paper is to analyse the rural credit and the role played by the RRBs in the priority and non-priority sector landings. The study finds and concludes that RRBs contributed in significantly improved rural economy of Karnataka.

RRBs, Rural credit, Agriculture, Farmers, Rural development.

"“ Role of Regional Rural Banks in Rural Development of Karnataka State.”", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.8, Issue 5, page no.c148-c154, May-2021, Available :http://www.jetir.org/papers/JETIR2105272.pdf

"“ Role of Regional Rural Banks in Rural Development of Karnataka State.”", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.8, Issue 5, page no. ppc148-c154, May-2021, Available at : http://www.jetir.org/papers/JETIR2105272.pdf