This document contains a bibliography listing over 80 sources including articles, books, theses, government reports, and websites that relate to research on Regional Rural Banks in India. The sources cover topics such as the performance, efficiency, role, and impact of RRBs on rural development, agriculture financing, and poverty alleviation. The bibliography is organized into three sections: I) Articles, Books and Theses; II) Government Reports; and III) Websites.

1. Page | 289
BIBLIOGRAPHY
I. Articles, Books and Theses
 Acharya, S.C. and Mohanty, A K., “Operational Analysis of Regional Rural
Banks”, Kalpaz Publications, Delhi, 2006.
 Agriculture Finance Corporation, “A study on RRBs viability”, NABARD, 1986.
 All India Rural Credit Survey, “The Survey Report”, Vol. I., Part-2 (Credit
Agencies), p.3, 1951.
 Arora, N. “The Indian banking system managing new challenges”, Ph. D. Thesis,
Hemwati Nandan Bahuguna Garhwal University, 2008.
 Badal, P.S., “Agricultural co-operation, finance and business management”,
Agricultural credit, pp. 11-13, 2006.
 Balishter, “Performance of Regional Rural Banks - An evaluation of a Rural
Bank in Agra District of Uttar Pradesh", Yojana, Vol. 9, New Delhi, pp. 31-38,
1986.
 Barr, Richard S.et. al., “Evaluating the Productivity Efficiency and Performance
of U.S. Commercial Banks”, Engineering Management, Vol. 28 (8), p.19.
 Bhaskar C. and Jadhav N., “Problems and Prospects of Regional Rural Banks in
India”, Indian Streams Research Journal, Vol.1, pp.1-4, 2011.
 Bhatt, Nitin and Thorat, Y.S.P., “India’s Regional Rural Banks: The Institutional
Dimension of Reforms”, Journal of Microfinance ESR Review, Vol. 3(1), pp.
65-88, 2001.
 Brahma, G. J. “The financial performance evaluation of regional rural banks of
India”, p. 4.
 Dang, Uyen, “The CAMEL Rating System in Banking Supervision – A Case
Study”, Arcada University of Applied Sciences International Business; 2011.
 Das, A. and Ghosh, S., “Examining Excess Capacity in Regional Rural Banks:
Some Empirical Insights for India”, Prajnan, vol. xxxiii (4), 2005.
 Datta, B., “Planning for Rural Banks”, Economic and Political Weekly, Vol. 12,
No. 35, pp. 1545-1547+1550, 1977.
 Government of India, Ministry of Finance , Department of Financial Services ,
New Delhi, F. No. 7/6/2011-RRB, 8th September, 2011.

2. Bibliography
Page | 290
 Government of India, Planning Commission, “Eleventh Five Year Plan, 2007-
12”, New Delhi, Vol.I., 2005.
 Hadi, Abdul and Bagchi, K.K., “Performance of Regional Rural Banks in West
Bengal”, Serials Publications, New Delhi, 2006.
 Hazari, R. K., “First Programme for Branch Managers of Regional Rural Banks”,
RBI Bulletin, Vol. 30(11), 1976.
 Ibrahim, M. Syed, “Performance evaluation of Regional Rural banks in India”,
Business Research, Canadian Center of Science and Education, 3(4), pp.203-211,
2010.
 Ibrahim, M.Syed, “Role of Indian Regional Rural banks in the priority sector
lending – An Analysis”, International Journal of Finance and Accounting, Vol.
1(1), 2011.
 Ishwara, P., “A Financial Performance Analysis of RRBs: Pre and Post
Transformation”, International Journal of Economics and Research, 2(1), pp.
142-151, 2011.
 Jasvir, S. Sura., “Efficacy of Regional Rural Banks (RRBs) in India: A
Conventional Analysis”, The Journal of Indian Management and Strategy, 11(4),
pp. 4-12, 2006.
 Katri, Rajesh P., “Performance Evaluation of Regional Rural Banks of Gujrat
State” (Ph.D thesis) CSRM, Gujarat Vidyapith, Gandhinagar, Randheja, 2014.
 Kaushik, C., “Impact Study of RRBs Credit on Income Generation and Poverty
Alleviation in Rural Haryana”, Asian Economic Review, 38(1), 1996.
 Kaye, Tasi, “Role of Regional Rural banks in Economic Development”
Abhijeeth Publications , New Delhi, 2006.
 Kelkar, S.M., “Report of Working Groups of RRBs.” 1984.
 Krishnan C., “Regional Rural Banks and Rural Development”. Unpublished Ph.
D. thesis, University of Calicut, 1992.
 Kumar Raj, “Growth and Performance of RRBs in Haryana”, Anmol
Publications, New Delhi, 1993.
 Kumar, S., “Performance measurement systems in Indian Banking Sector”,
Department of Commerce, Punjabi University, Patiala, 2010.
 Kumar, Sanjeev, “Performance measurement systems in Indian Banking Sector”,
Department of Commerce, Punjabi University, Patiala, 2010.

3. Bibliography
Page | 291
 Kurulkar, R.P. and Deogirikar, A.B., “Regional Rural Banks and Weaker
Sections with Special Reference to the Marathwada Grameena Bank”, Indian
Journal of Agricultural Economics, Vol. 35(4), p.97, 1980.
 Makandar, N.M., “Profitability and Productivity analysis of RRBs in India”,
Southern Economist, 49(3), pp.11-15. 2010.
 Misra, B.S., “The performance of Regional Rural Banks in India: Has past
anything to suggest for future?”, Reserve Bank of India occasional papers, 27(1,
2), pp.89-118, 2006.
 Mohan, V. Jagan, “Regional Rural Banks (RRBs): The Vehicle for Bridging the
Banking Divide”, State Bank of India Monthly Review. 11(3), pp. 21-41, 2004.
 Mohidra, Varsha and Kaur, Gian, “Efficiency of Regional Rural Banks in India:
An Application of Data Envelopment Analysis”, Economic Affairs, Vol. 56 (2)
pp.189-198, June 2011.
 Mohiuddin, Golam, “Use of CAMEL model: A Study of Financial Performance
of Selected Commercial Banks in Bangladesh”, University Journal of
Accounting and Finance Vol. 2(5), p.152, 2014.
 Nair, P., “Regional Rural Banks - Socio-economic Impact,” Unpublished Ph. D.
Thesis, University of Calicut, 1981.
 Panandikar, V.A., “Regional Rural Banks”, The Economic times, Calcutta, p.9,
June 26, 1995.
 Patel A., “Rural Banking Policy India- Timely & Effective Use of Technology
and FI & FIT Funds needed”, Indian Banker, June 2009.
 Pati, A P., “Regional Rural Banks in the Liberalized Environment”, Mittal
Publications, New Delhi, 2005.
 Prasad, J. and Kumar, S., “Role of Regional Rural Banks: A case study”,
Kurukshetra, 33(8), pp.31-33, 1985.
 Prasad, K.V.N., and Reddy,D. Maheshwari, “A CAMEL Model Analysis of
Public and Private Sector Banks in India”, Journal of Banking Financial Services
and Insurance Research, 2011.
 Puhazhendi, V. and Jayaraman, B., “Rural Credit Delivery: Performance and
Challenges before Banks”, Economic and Political Weekly, 34(3), pp.16-29,
1999.

4. Bibliography
Page | 292
 Puri, V. K. and Misra, S.K., “Indian Economy”, 34 revised ed., Himalaya
Publishing House, Mumbai, p.280, 2016.
 Ramola, K.S., “Rural Reconstruction in Uttaranchal Sector - Role of Regional
Rural Banks: A case study”, Southern Economist, 41(1), 2002.
 Rao, G. Dharma, “Impact of Grameena Bank Finance on Non-Farm sector: An
Empirical Study”, Financing Agriculture, 23(1), pp. 28-33, 1991.
 Rao, P.S.M., “Inherent Weaknesses of Regional Rural Banks”, The Hindu,
Chennai, Supplement, p.1, April 3, 1988.
 Reddy A. A., “Rural Banking Strategies for Inclusive Growth”, India Economy
Review, p.8, 2010.
 Reddy, A. Amarender, “Productivity Growth in Regional Rural Banks”,
Economic and Political Weekly, 41(11), pp.18–24, 2006.
 Report of the Internal Working Group on RRBs, A.V. Sardesai Committee,
Reserve Bank of India, 2004.
 Report of trend and progress of banking in India, Reserve Bank of India, 2012.
 Report on Asian Development Bank on RRBs “India: Rural Finance Sector
Restructuring and Development”, Technical Assistance Consultant’s Report,
Volume 2: Regional Rural Banks, Project Number: 36343, 2003.
 Reserve Bank of India & Kamath, C. E., “Multi agency approach in agricultural
finance: Report of the Working Group”, Reserve Bank of India, Bombay, 1978.
 Reserve Bank of India, “Task Force on Empowering RRB Boards for
Operational Efficiency”, p.11, 2007.
 Roy, BPS, “Regional Rural Banks in West Bengal”, Mittal Publication, New
Delhi, 1994.
 Sangmi, M. and Nazir, T., “Analyzing Financial Performance of Commercial
Banks in India: Application of CAMEL Model”, Pakistan Journal of Commerce
and Social Science, Vol. 4 (1), pp. 40-55, 2013.
 Sathyanarayana, G., Ramu, M. Reddi and Reddy, K. Krishna , “Role of Sree
Anantha Grameena Bank in Credit and Rural development-A case study”,
Southern Economist. 45(5), pp. 11-15, 2006.
 Shar Amir, Shah Muneer and Jamali Hajan., “Performance Evaluation of
Banking Sector in Pakistan: An Application of CAMELS Model”, African
Journal of Business Management, Vol. 5(3), pp. 747-761, 2010.

5. Bibliography
Page | 293
 Shar Amir, Shah Muneer and Jamali Hajan., “Performance Evaluation of
Banking Sector in Pakistan: An Application of CAMELS Model”, African
Journal of Business Management, Vol. 5(3), pp.747-761, 2010.
 Shete, N. B. and Karkal, G.L., "Regional Rural Banks: Problems and
Perspectives of Rural Credit", Prajnan, Vol. XVIII No.2, New Delhi, pp. 131-
134, 1989.
 Shylendra, H. S., “Reorganization of Regional Rural Banks: Need for New
Policy Thrust and Orientation”, IRMA, Vol. 4(4), 1998.
 Singh, R. K. and Upadhay, K.M., “A Study of Loan Recovery of Regional Rural
Banks in Bihar”, Financing Agriculture, 16(2), pp. 37-39, 1984.
 Sinha Sanjay, “M-CRIL Review of Rural Banking in India”, Working Paper 1,
2007.
 Siva, S. and Natarajan, P., “CAMEL Rating Scanning (CRS) of SBI Groups”, Sri
Krishna International Research & Educational Consortium, Journal on Banking
financial Services and Insurance Research, JBFSIR, Volume 1(7), 2011.
 Suba, N.R., “Financial Performance analysis of Selected Public and Private
Sector Banks: A Study through CAMEL Model” Ph.D. Thesis, Saurashtra
University Rajkot, 2015.
 Subbiah, A and Selvakumar, M., “Consolidation: Future of Regional Rural
Banks”, Kurukshetra, pp.19-21, June 2006.
 Varde, Vasha S., and Singh, Sarnpat P., "Profitability and performance of
Regional Rural Banks", Prnjnan, October- December 1995, Vol. Xl (4), Mumbai,
pp.97, 1995.
 Vasan, Anand Kumar, “Case for De-amalgamation of Regional Rural Banks”
Economic and Political Weekly, 43(42), pp. 60-68, 2008.
 Velayudam, T.K and Sankaranarayanan, V., “Regional Rural Banks and Rural
Credit: Some Issues”, Economic and Political Weekly, 25(38), pp. 2157-2164,
1990.
 Wadhva, C.D., “Rural Banks for Rural Development”, Mac Millan Company of
India Ltd, New Delhi, pp 176, 1980.
II. Government Reports
 Report on Trend and Progress of Banking in India. Handbook of Statistics,
UNCTAD: Various issues.

6. Bibliography
Page | 294
 Report of the Task Force on Empowering RRB Boards for Operational Efficiency.
(2007). Reserve Bank of India.
 Report of the Working Group on Technology Upgradation of Regional Rural
Banks. (2008). Reserve Bank of India.
 Annual Reports of NABARD.
 Report on Inclusion of RRBs and Co-operative Banks in AEPS, National Payments
Corporation of India.
 Annual Reports of KGSG bank.
III. Websites
 https://kgsgbank.co.in
 https://rbi.org.in
 https://www.nabard.org/
 http://cab.org.in
 http://www.npci.org.in
 http://financialservices.gov.in
 http://shodhganga.inflibnet.ac.in/