क्षेत्रीय ग्रामीण बैंक के ऋणों और गैर निष्पादित परिसंपत्तियों का विश्लेषणात्मक अध्ययन

143
In e na ional Jou nal o Ad ance and Applied Resea ch
www.ijaa .co.in
ISSN – 2347-7075
Impac Fac o – 8.141
Pee Re iewed
Bi-Mon hly
Vol. 12 No. 6
July – Augus 2025
           
  1, .   2, .   3
1
,  ,   , , (..).
2
 , (.  ),   ,  , , (..).
3
  , (.  ),   ,  , , (..).
Co esponding Au ho -
  󰫦
DOI - 10.5281/zenodo.17286421
 :
      (   )    ,   
    2015-16  2024-25          
  ,     ,           ,
                  
         ,            
                 , 
                   
             -    ,
           
  :   ,   ,   ,  ,   
 :
   65–70% 
     ,    
       
       
,      
        
        
      
       
(Regional Ru al Banks – RRBs)  
       1975 

  , 1976
  
       -
  ,     
      
 , , , ,  
         
       
      
IJAAR Vol.12 No.6 ISSN – 2347-7075
  󰫦
,
.   
,
.   󰲒
144
         
         
—  ,     
     50% ,  
 15%      35%
   (    
 ,     ,  
     )
1.     :
    
        
 2  2013     ,
( )     
        
       01 
2000        
       
  ,  ( 20 
1976),    , 
( 15  1979)   
 ,  ( 31  1981)
       
  ,  ( 24 
1979)       
  ,  ( 12
 1980)     
 02  2013  
       
    (  ,
      -
 )    
 
 
     
,       
         
 
2. :
      , 
         
          
      
   ()     :
1.    :   ,
       ()  
   ,   -   
     (/) 
   ,     
   
2.   ( ): 
        
 1770  ― ‖    
        (1786),
  (1840),   (1843) 
        
   ,    
        
  
3.    (1947  ):  
        
    1955    
 (SBI)   ,    
IJAAR Vol.12 No.6 ISSN – 2347-7075
  󰫦
,
.   
,
.   󰲒
145
 ()     1969  14
    ,  ,
       
      , 
,        

4.     : 1975  
  (RRB)   ,  
       
    (NABARD, 1982)  
       

5.   (1991  ): 
     (HDFC, ICICI,
Axis )  ,   ,
      
     
         
   
3. -  (  ):
     
       
       
        
 (  )   ,  
 "- " (Non-Pe o ming
Asse – NPA)       
   ,      90
        
   ,   -  
       , 
           
        
   "    "
          
    ,  
        
        
      
  
-   :
RBI       
        -
 -  -      90
    12    
 -  
   -     12  
       
  
   -    
   ,    
    
4.    :
    -
 ,        
   ,     90
        
        
        
       
IJAAR Vol.12 No.6 ISSN – 2347-7075
  󰫦
,
.   
,
.   󰲒
146
       
     - ,
    
  
5.  :
     -
        
          
         
  =   − 
  :
 ,  , (2018), 
   ,    
         
         
    ..     
    , ..  ,
 -      
       
   , (2017),    
,       
         
       
       
         
     ,   
          
     ,   
      
.      (2014),
    , ――  -
   ”    
        
   ,      
          

 :
1.      
      
2.      
     
3.       
     
  
4.       
      
 
 :
H01 -       
       
  
Ha1 -       
       
 
H02 -       
         
IJAAR Vol.12 No.6 ISSN – 2347-7075
  󰫦
,
.   
,
.   󰲒
147
Ha2 -       
        
   :
      
       
     , 
,   ,   
(),      
(),      
        
   , ,   ,
,  ,    
        
       
   ,    2015-16  
2024-25   10     
   
   :
 6.1 –   ,          (  ,)

 

(%)

   
 
  (%)
   
(%)

2015-2016
254651.14
22256.05
8.740%
20028.07
7.865%
2016-2017
264325.25
3.799%
30537.93
11.553%
19792.83
7.488%
2017-2018
283498.33
7.254%
44758.33
15.788%
25359.15
8.945%
2018-2019
304684.62
7.473%
41591.75
13.651%
19750.41
6.482%
2019-2020
351094.83
15.232%
19450.96
5.540%
7231.43
2.060%
2020-2021
445173.81
26.796%
13806.45
3.101%
3679.72
0.827%
2021-2022
521111.28
17.058%
13366.34
2.565%
0
0.000%
2022-2023
641627.69
23.127%
14564.79
2.270%
0
0.000%
2023-2024
803367.7
25.208%
16074.21
2.001%
0
0.000%
2024-2025
999439.64
24.406%
21440.43
2.145%
0
0.000%
    ,  -
  ()    
       
  ,        
        
         , 
       
      2015-2016   
254651.14  ,   2024-2025 
999439.64     ,  
         
 ,  2018-2019     
    - 2019-2020  15.23%
  2020-2021  26.796%, 2023-

IJAAR Vol.12 No.6 ISSN – 2347-7075
  󰫦
,
.   
,
.   󰲒
148
2024  25.208%  2024-2025 
24.406%     , 2015-
2019    3%   7.47%  
      (2019  ) 
     15%    
 ,    
        
 
      -
       
        
        
        ,
       
       2015-
2016  22256.05  ₹ ,   
 8.74%  2017-18    44758.33
 ₹  ,      
15.79%       
     ,   
         ,
     -  , 
2020-21  13806.45  ₹,    
  3.1%   2024-2025 
21440.43  ₹,     2.15% 
  2017-18     
15.79  ,     
     2024-2025 
       , 
2.15% ,        
         ,
          
         
   2018-2019     
  
      -
        
  ,      
        
2015-16 ,   ₹20028.07  ,
    7.86%  2017-18 , 
   , 8.95%   ,
  ₹25359.15   2018-19 ,
        
,  2018-19  6.48% , 2019-20 
 2.06%    2020-21   
0.83%     2021-22   
 2024-25 ,    0%  
         
     ,   
         
         
 ,       
          
         ,
      
   
 6.2 -               

  
   

X
Y
x - x
y - y
2015-2016
254651.14
22256.05
-232246.29
-1528.7
2016-2017
264325.25
30537.93
-222572.18
6753.21
2017-2018
283498.33
44758.33
-203399.1
20973.6
2018-2019
304684.62
41591.75
-182212.81
17807
2019-2020
351094.83
19450.96
-135802.6
-4333.8
2020-2021
445173.81
13806.45
-41723.619
-9978.3
2021-2022
521111.28
13366.34
34213.851
-10418
2022-2023
641627.69
14564.79
154730.26
-9219.9
2023-2024
803367.7
16074.21
316470.27
-7710.5
2024-2025
999439.64
21440.43
512542.21
-2344.3
 
4868974.29
237847.24

486897.429
23784.724
(x - x )2
(y - y )2
(x - x ) (y - y )
53938338754.27
2336844.198
355028863.59
49538374864.81
45605791.28
-1503075774.66
41371193474.01
439892148.6
-4266012563.18
33201507763.67
317090175
-3244668227.40
18442345895.15
18781510.41
588536414.65
1740860382.46
99565952.02
416329702.65
1170587600.25
108542725.2
-356453037.84
23941453669.13
85007182.96
-1426602794.22
100153432426.81
59452026.14
-2440148455.13
262699518056.77
5495714.358
-1201549629.99
586197612887.33
1181770070
-13078615501.52
  ( ) =
=
√
∑(
)(
)
√∑( ) ∑(
)
149
  󰫦
,
.   
,
.   󰲒
IJAAR Vol.12 No.6 ISSN – 2347-7075
  󰫦
,
.   
,
.   󰲒
150
=
= -0.4969
    –1  +1   
1= “+1” “  ”
2= “–1” “  ”
3= “0” “  ”
      
         
   –0.4969    
        
-       , 
         
   ,     
        
         
        
         
    ,   
       
 6.3 -                
  
   

x
y
x - x
y - y
2015-2016
254651.14
20028.07
-232246
10443.909
2016-2017
264325.25
19792.83
-222572
10208.669
2017-2018
283498.33
25359.15
-203399
15774.989
2018-2019
304684.62
19750.41
-182213
10166.249
2019-2020
351094.83
7231.43
-135803
-2352.731
2020-2021
445173.81
3679.72
-41723.6
-5904.441
2021-2022
521111.28
0
34213.85
-9584.161
2022-2023
641627.69
0
154730.3
-9584.161
2023-2024
803367.7
0
316470.3
-9584.161
2024-2025
999439.64
0
512542.2
-9584.161

4868974.29
95841.61

486897.429
9584.161
(x - x )2
(y - y )2
(x - x )(y - y )
53938338754
109075235.2
-2425559108
49538374865
104216922.8
-2272165704
IJAAR Vol.12 No.6 ISSN – 2347-7075
  󰫦
,
.   
,
.   󰲒
151
41371193474
248850278
-3208618549
33201507764
103352618.7
-1852420787
18442345895
5535343.158
319506984.5
1740860382
34862423.52
246354646.7
1170587600
91856142.07
-327911056.4
23941453669
91856142.07
-1482959733
100153432426.81
91856142.07
-3033102029
262699518056.77
91856142.07
-4912287070
586197612887.33
973317389.61
-18949162405.21
  ( ) = ∑(
)(
)
√∑( ) ∑(
)
=
√
=
= -0.7933
       
  = − 0.7933   ,  
   )   
      -   
     , -  
        
         
      
  :
H01 -       
       
  
Ha1 -       
       
 
      
        
       
 ,  ,  (d ), 
  "   "
 5%        
    