1. AREA OF RESEARCH Farming is the heart of the Indian economy.

Even after the 6 decades majority of the population living in the rural area and farming is the main occupation for them. Majority population living in rural areas but they do not get all the facilities like urban areas get. So the government decided to setup rural bank specifically for the rural areas. So how the rural banking setup in India and which Reserve Bank of India giving guidelines for that this is the main area of research for this topic. 2. TITLE Rural banking 3. OBJECTIVES To study the rural banking industry in detail To study the rural banking in detail To study the current status of the rural banking To study the reserve bank of India guidelines for the rural banking To study the NABARD bank guidelines To study the role of rural banking in the Indian economy

4. RATIONAL OF THE STUDY To know the rural banking sector in India 5. HYPOTHESIS What is the role of rural banking in India? How the rural bank developed in India? What is the role of RBI? How the rural banking affecting on Indian economy?

6. INTRODUCTION Banking plays a very important role in the society now a day. In India mostly rural area facing problem in supply of credit but the government introduced such new policies in the banking sector vwhich are helping the rural people of the states such as KISAN CARD YOGANA by which the needy farmers may get the loan for producing crops, agriculture instruments, machines etc. In order to stimulate the development of rural banking and to give sustained support to the development of co-operative banks and other co-operative institution by providing remittances and other facilities, the all India Rural credit survey committee recommended setting up of a public sector bank which would be responsive to the needs of the Rural sector in general and co-operative institutions in particular. The overwhelming majority of poor people in India are concentrated in rural area of the estimated 260 million Indians (or 26%) of the population who live in poverty, same 193 million or 745) live in rural area.

In June 1969, total number of banks branches in India were 89, out of which 73 were scheduled commercial banks and 16 were non-scheduled commercial banks increased to 226, out of which 148 were scheduled commercial banks, 74 Regional rural banks and 5 non-scheduled commercial banks in June 1980. In 1998, the branches further in creased to 340, out of which state bank and its subsidiaries are 8 in number 19 nationalized banks, 196 Regional Rural Banks 86 scheduled Commercial Banks, 23 Private Banks and 1 Non-scheduled commercial banks. Banks have woken up to the potential in the rural sector. Specialised and innovative schemes to improve rural penetration are the new mantra. Rural credit cards and ATMs, a franchisee network, supply chain financing for agriculture; investments in rural infrastructure and cross-selling of products are only some of the schemes directed at the village folk. Building a specialised cadre for rural banking and improving awareness can help reduce default and make these schemes effective.

7. CHAPTERISATION Introduction Development of rural banking in India

 Role of rural banking in India RBI guidelines regarding rural banking conclusion
8. CONCLUSION

rural bank is the backbone of the rural economy.it helps the rural economy to grow on par with the others sectors of the economy by providing loan and various other facilities to the rural people by way of scheames, policies as per to the guidelines of RBI. It helps in protecting the Indian structure of agriculture sector on it is actually based on. 9. LIMITATION This is doctrinal research 10.REFERNCES RBI guidelines Banking law