Role of chaitanya godavari grameena bank in the promotion of agricultural credit.

In response to the financial sector reforms, the Indian banking system has moved far away from the conditions and compulsions that were prevailing at the time of advent of regional rural banks (RRBs). The commercial viability of RRBs emerged as the most crucial factor in deciding about their desired role in the emerging economic scenario. During 2005, a committee revisited the issue of restructuring RRBs to improve their viability. Merger between RRBs of the same sponsor bank in the same state; and merger of RRBs sponsored by different banks in the same state. As a sequel, the Chaitanya Grameena Bank was merged with Godavari Grameena Bank. The resultant entity is known as Chaitanya Godavari Grameena Bank (CGGB) during 2006. An attempt is made in this article to review the performance of CGGB in the context of agricultural credit. The focus is on sector-wise disbursement and outstanding advances, targets and accomplishments and credit-deposit ratio (CDR). The period of study spans over the recent decade.