Please use this identifier to cite or link to this item: http://hdl.handle.net/11718/1904
Title: Viability of rural banking by the nationalized commercial banks in India
Authors: Bhattacharjee, Sourindra
Desai, Bhupat M.
Naik, Gopal
Keywords: Rural banking - India;commercial banks
Issue Date: 3-Apr-2010
Series/Report no.: WP;1997/1380
Abstract: This paper examines the viability of rural banking by the Nationalized Commercial Banks and the factors influencing it. The viability was examined using both cost and profitability analyses. Theory of costs is used for the former, while multi-variate econometric model is formulated for the latter. Factors influencing viability in both the analysis are classified into innovative and non-innovative based on unique characteristics of rural banking in India. The results show that rural banking is viable and it could be further improved by reaping scale economies rather than raising interest rate. But this would require more decentralized, autonomous and accountable form of rural banking.
URI: http://hdl.handle.net/11718/1904
Appears in Collections:Working Papers

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