RRBs Under One State–One RRB: Has Rural Banking Improved? | AIBEA’s Take

Regional Rural Banks serve as the backbone of rural credit delivery, yet many of them continue to struggle with operational constraints and limited infrastructure. With the rollout of the “One State, One RRB” policy, several questions have emerged: Has consolidation strengthened rural banking, or has it reduced local responsiveness? In this discussion, we examine: •The impact of “One State, One RRB” on rural credit delivery. •Whether consolidation has weakened or streamlined RRB functioning. •Infrastructure gaps — outdated technology, staffing shortages, slow service. •What steps AIBEA recommends to improve RRB tech systems, manpower, and outreach. •How stronger RRBs can support agriculture, small enterprises, and rural development