• Dr.Sumanta Bhattacharya
• Timir Baran Chatterjee
• Bhavneet Kaur Sachdev

Rural Banking is paramount to rural economy , rural employment , rural growth and rural agriculture . Rural economy is 90% responsible for the growth of GDP in India and shapes the overall development of the Nation . Regional Countryside banking began with the formation of banking system in India . Earlier it provided only agriculture loans and facilities but now the domain has started to provide new loans facilities and scheme for the farmers and other agricultural sector .We receive both short and long term loans facilities starting from farms mechanism to crop production , horticulture , aquaculture , apiculture , sericulture etc and also provides gold loans .The Domestic Financial House for Agricultural and Countryside Development is the principal rural bank , there are many cooperative banks and local banks which are providing finance support to the rural villages which help to generate employment . However the rural banking system is suffering from Finance crisis due to heavy loans and low repaying capability , with lack of coordination among the staffs members , untrained staffs , followed by lack of knowledge among the people about the banking policies , people don’t know how to use their accounts , we need to promote awareness programme on banking system among the villages and educate them after rural banking . An amalgamation of banking stuffs and village people are required to use rural banking as a weapon to eradicate poverty from the region.

Rural Banking, rural economy , poverty , agricultural loans , lack of knowledge , heavy loans, low repaying capability

"Momentous role played by rural financial house in improving the life of people and generating employment and adding to the rural economy", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.8, Issue 10, page no.a132-a137, October-2021, Available :http://www.jetir.org/papers/JETIR2110018.pdf

"Momentous role played by rural financial house in improving the life of people and generating employment and adding to the rural economy", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.8, Issue 10, page no. ppa132-a137, October-2021, Available at : http://www.jetir.org/papers/JETIR2110018.pdf