*HOD, Dr. R. B. Teli (M. Com, M. Phil, Ph. D.), Associate Professor and HOD, Commerce & Management, Shivraj College of Arts, Commerce & D.S. Kadam Science College, Gadhinglaj, Dist. Kolhapur-416522
**Research Student, Shivaji University, Dist. Kolhapur-416 004, Email: smitamahajan5@gmail.com, Phone No. (+91) 7875570888
Online published on 20 June, 2019.
Regional Rural Banks (RRBs) play a vital role in the agriculture and rural development of India. The RRBs have reached to the rural area of India, through their huge network. The success of rural credit in India is largely dependent on their financial strength. RRBs are key financing institution at the rural level which takes the responsibility of meeting credit needs of different types of agriculture credit as well as other credit needs in rural areas. Present paper attempts to analyse two key performance indicators of Maharashtra Gramin Bank (MGB) namely Credit Deposit Ratio (CD Ratio) and advances over the 5 years period from 2010–11 to 2014–15. The study is based on the secondary data collected from annual reports of NABARD and MGB. It has been observed that the Cash Deposit Ratio has increased from 52.67% in 2011 to 71.86% in 2015, showing a high degree of positive co-relation. Hypothesis is tested for significance between priority sector and non priority sector lending and it is found that there is significant difference between the two. The study concludes that performance of MGB is satisfactory.
CD ration, MGB, NABARD
