An Analysis on the Pre-merger and Post-merger Performance of Regional RuralBanks in Haryana

Regional Rural Banks came to existence with an objective of serving for the rural masses in the rural sector, hence providing banking and financial services. They enhance the rural economy by infusing rural credit in the rural areas to agricultural labourers, rural artisans, small scale and cottage industries. Regional Rural Banks came into existence on 2nd Oct’1975, with setting up of 5 RRB’s. Amongst them, Haryana KshetriyaGrameena Bank was the first bank in Haryana followed by Gurgaon Gramin Vikas Bank in the year 1976. The study is based on secondary data collected from banks annual report. As the study is on analyzing the performance of Haryana Gramin bank in pre-merger and post-merger period, key performance Indicators Analysis has been done, taking into account number of branches, deposits, investments, Non-Performing Assets and profitability in the present study.