Regional Rural Banks post record ₹10,176 crore net profit in FY 2025-26
A Finance Ministry review on 25 August 2026 reported that India's 28 Regional Rural Banks earned a record ₹10,176 crore net profit in FY 2025-26, with total business above ₹13.5 lakh crore.
Summary
The Department of Financial Services reviewed the performance of Regional Rural Banks (RRBs) in Delhi on 25 August 2026 with NABARD, sponsor banks, the RBI and SIDBI. India's 28 RRBs now operate 22,273 branches in 26 states and 3 Union Territories, covering about 700 districts. Their net profit rose to an all-time high of ₹10,176 crore in FY 2025-26 from ₹6,820 crore in FY 2024-25, and their total business crossed ₹13.5 lakh crore. Gross NPAs fell to a record low of 5.3% and net NPAs to 2.1%, the credit-deposit ratio reached a high of 75.2%, and RRBs opened over 54.98 lakh new Jan Dhan accounts during the year.
Key facts
- Review
- 25 Aug 2026, chaired by Secretary, DFS
- Network
- 28 RRBs, 22,273 branches, 26 states + 3 UTs
- Net profit
- ₹10,176 cr in FY26 (₹6,820 cr in FY25)
- Business
- Over ₹13.5 lakh crore
- Asset quality
- GNPA 5.3%, NNPA 2.1% (all-time lows)
- Other
- CD ratio 75.2%; 54.98 lakh new PMJDY accounts
Practice MCQs 3 questions
What record net profit did Regional Rural Banks report for FY 2025-26, according to the Finance Ministry review of 25 August 2026?
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Correct answer: D — ₹10,176 crore
RRBs' net profit rose to an all-time high of ₹10,176 crore in FY 2025-26, up from ₹6,820 crore in FY 2024-25.
As per the August 2026 review, how many Regional Rural Banks are currently operating in India?
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Correct answer: A — 28
28 RRBs operate through 22,273 branches across 26 states and 3 Union Territories, covering about 700 districts.
Consider the following statements about Regional Rural Banks in FY 2025-26: 1. Their gross NPA fell to an all-time low of 5.3%. 2. Their credit-deposit ratio reached an all-time high of 75.2%. Which of the above is/are correct?
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Correct answer: C — Both 1 and 2
Both are correct. GNPA fell to 5.3% (NNPA 2.1%) and the credit-deposit ratio rose to 75.2%.