Viability of rural banking by the nationalized commercial banks in India

dc.contributor.author	Bhattacharjee, Sourindra
dc.contributor.author	Desai, Bhupat M.
dc.contributor.author	Naik, Gopal
dc.date.accessioned	2010-04-03T09:43:28Z
dc.date.available	2010-04-03T09:43:28Z
dc.date.copyright	1997-07
dc.date.issued	2010-04-03T09:43:28Z
dc.identifier.uri	http://hdl.handle.net/11718/1904
dc.description.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.	en
dc.language.iso	en	en
dc.relation.ispartofseries	WP;1997/1380
dc.subject	Rural banking - India	en
dc.subject	commercial banks
dc.title	Viability of rural banking by the nationalized commercial banks in India	en
dc.type	Working Paper	en