An Analysis of Rural Development in India through Rural Banking Schemes

Author(s)	Mr. PRASAD RAO M, Gaddam AKhila Reddy
Country	India
Abstract	Rural development is key to India’s economic growth, with rural banking playing a crucial role in financial inclusion and poverty reduction. This study examines major initiatives like the Lead Bank Scheme, RRBs, KCC, SHG-Bank Linkage, and PMJDY, highlighting their impact on credit access, entrepreneurship, and rural livelihoods. It also addresses challenges such as low financial literacy, poor infrastructure, and policy gaps. The paper emphasizes the need for reforms, digitalization, and financial education to strengthen rural banking and support sustainable development
Keywords	Rural Development, Rural Banking, Financial Inclusion, Regional Rural Banks, Government Schemes, India.
Field	Business Administration
Published In	Volume 16, Issue 3, July-September 2025
Published On	2025-07-10
DOI	https://doi.org/10.71097/IJSAT.v16.i3.6876
Short DOI	https://doi.org/g9sx5z

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