RRBs Post Record Rs 10,177 Crore Net Profit in FY26, Key Financial Indicators Improve: MoS

New Delhi, Jul 29 (KNN) Regional Rural Banks (RRBs) posted their highest-ever consolidated net profit of Rs 10,177 crore in FY 2025-26, while key financial indicators including deposits, loans, credit-deposit ratio, net worth and capital adequacy improved, according to data from NABARD.

The information was provided by Minister of State in the Ministry of Finance Pankaj Chaudhary in the Rajya Sabha.

RRBs’ total deposits increased to Rs 7,68,621 crore in FY26 from Rs 7,13,800 crore in FY25, while loans outstanding rose to Rs 5,78,349 crore from Rs 5,24,163 crore.

The credit-deposit ratio improved to 75.2 percent in FY26 from 73.4 percent in FY25. Gross NPA declined marginally to 5.3 percent from 5.4 percent, while net NPA stood at 2.1 percent, compared with 2.0 percent in the previous year.

RRBs’ net worth increased to Rs 74,086 crore in FY26 from Rs 63,927 crore in FY25, while the Capital to Risk Weighted Assets Ratio (CRAR) rose to 15 percent from 14.4 percent.

The government has been conducting regular reviews of RRBs’ financial performance and operations at national and regional levels. In the last four financial years, reviews were held for RRBs in the North-Eastern, Southern, Northern, Western-Central and Eastern regions, besides a national-level review.

The Department of Financial Services also holds periodic meetings with RRBs and sponsor banks to review financial performance, technology upgradation, MSME lending, diversification towards agriculture-allied, MSME and retail sectors, and financial inclusion in rural and remote areas.

The government also periodically monitors RRBs’ progress under financial inclusion programmes including PMJDY, PMMY, PMSBY, PMJJBY and Atal Pension Yojana (APY).

(KNN Bureau)