{"id":362289,"date":"2026-05-06T15:33:11","date_gmt":"2026-05-06T10:03:11","guid":{"rendered":"https:\/\/forumias.com\/blog\/?p=362289"},"modified":"2026-05-06T15:40:27","modified_gmt":"2026-05-06T10:10:27","slug":"viability-plan-2-0-for-regional-rural-banks-rrbs","status":"publish","type":"post","link":"https:\/\/forumias.com\/blog\/viability-plan-2-0-for-regional-rural-banks-rrbs\/","title":{"rendered":"Viability Plan 2.0 for Regional Rural Banks (RRBs)"},"content":{"rendered":"<p><strong>News<\/strong>: The Department of Financial Services approved Viability Plan 2.0 to strengthen financial stability and improve operational efficiency in Regional Rural Banks.<\/p>\n<h2>About Viability Plan 2.0 for Regional Rural Banks (RRBs)<\/h2>\n<figure id=\"attachment_362297\" aria-describedby=\"caption-attachment-362297\" style=\"width: 300px\" class=\"wp-caption aligncenter\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-362297\" src=\"https:\/\/i0.wp.com\/forumias.com\/blog\/wp-content\/uploads\/2026\/05\/Source-ET-300x169.jpg?resize=300%2C169&#038;ssl=1\" alt=\"Viability Plan 2.0 for Regional Rural Banks (RRBs)\" width=\"300\" height=\"169\" srcset=\"https:\/\/i0.wp.com\/forumias.com\/blog\/wp-content\/uploads\/2026\/05\/Source-ET.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/forumias.com\/blog\/wp-content\/uploads\/2026\/05\/Source-ET.jpg?resize=1024%2C575&amp;ssl=1 1024w, https:\/\/i0.wp.com\/forumias.com\/blog\/wp-content\/uploads\/2026\/05\/Source-ET.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/forumias.com\/blog\/wp-content\/uploads\/2026\/05\/Source-ET.jpg?w=1178&amp;ssl=1 1178w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><figcaption id=\"caption-attachment-362297\" class=\"wp-caption-text\">Source &#8211; ET<\/figcaption><\/figure>\n<ul>\n<li><strong>Viability Plan 2.0:<\/strong> It is a <strong>revised three-year framework<\/strong> to <strong>improve financial sustainability and long-term competitiveness of RRBs.<\/strong><\/li>\n<li><strong>Implementing Ministry:<\/strong>\u00a0Department of Financial Services<strong> (DFS)<\/strong> under the <strong>Ministry of Finance<\/strong><\/li>\n<li><strong>Duration<\/strong>: It will be implemented for <strong>three years from 2025-26 to 2027-28.<\/strong>\n<ul>\n<li>The <strong>earlier plan covered<\/strong> the <strong>period from FY2021-22 to FY2024-25.<\/strong><\/li>\n<\/ul>\n<\/li>\n<li><strong>Aim<\/strong>: The plan aims to <strong>enhance financial sustainability<\/strong>, improve operational efficiency, strengthen governance reforms, and ensure <strong>long-term competitiveness of RRBs.<\/strong><\/li>\n<li><strong>Viability Plan 1.0: <\/strong>The <strong>Viability Plan 1.0<\/strong> for Regional Rural Banks (RRBs) was a <strong>3-year board-approved framework<\/strong> initiated in <strong>FY 2022-23.<\/strong>\n<ul>\n<li>It was <strong>aimed<\/strong> at ensuring <strong>sustainable viability<\/strong>, it focused on <strong>credit expansion, NPA reduction, digital adoption, and cost rationalization<\/strong>, following <strong>recapitalization assistance<\/strong>.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Key Features of Viability Plan 2.0 for Regional Rural Banks (RRBs):<\/strong>\n<ul>\n<li style=\"text-align: left;\"><strong>Performance Parameters:<\/strong> The plan <strong>includes 30 performance parameters<\/strong> to monitor and <strong>improve the functioning<\/strong> of RRBs.<\/li>\n<li><strong>Four Key Pillars:<\/strong> The framework is based on <strong>four major pillars<\/strong>\u00a0&#8211;\n<ul>\n<li><strong>operational excellence, asset quality, profitability, and growth.<\/strong><\/li>\n<\/ul>\n<\/li>\n<li><strong>Critical metrics: <\/strong>The plan uses important indicators such as <strong>Capital to Risk Weighted Assets Ratio (CRAR)<\/strong>, <strong>credit-deposit ratio, digital adoption, Non-Performing Asset (NPA) levels, recovery performance, and profitability ratios<\/strong> to assess the performance of Regional Rural Banks.<\/li>\n<li><strong>Comprehensive Monitoring Framework:<\/strong> The plan provides a balanced framework to <strong>assess and monitor the overall health and efficiency of all 28 RRBs.<\/strong><\/li>\n<li><strong>Scheme Monitoring:<\/strong> The framework <strong>evaluates the performance of RRBs in implementing Central Government schemes.<\/strong><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>News: The Department of Financial Services approved Viability Plan 2.0 to strengthen financial stability and improve operational efficiency in Regional Rural Banks. About Viability Plan 2.0 for Regional Rural Banks (RRBs) Viability Plan 2.0: It is a revised three-year framework to improve financial sustainability and long-term competitiveness of RRBs. Implementing Ministry:\u00a0Department of Financial Services (DFS)&hellip; <a class=\"more-link\" href=\"https:\/\/forumias.com\/blog\/viability-plan-2-0-for-regional-rural-banks-rrbs\/\">Continue reading <span class=\"screen-reader-text\">Viability Plan 2.0 for Regional Rural Banks (RRBs)<\/span><\/a><\/p>\n","protected":false},"author":10401,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"footnotes":""},"categories":[1566,3127,956,12039],"tags":[11872],"class_list":["post-362289","post","type-post","status-publish","format-standard","hentry","category-daily-factly-articles","category-economy","category-schemes-and-programs","category-knolls","tag-9pm-daily-factly","entry"],"jetpack_featured_media_url":"","views":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/posts\/362289","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/users\/10401"}],"replies":[{"embeddable":true,"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/comments?post=362289"}],"version-history":[{"count":0,"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/posts\/362289\/revisions"}],"wp:attachment":[{"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/media?parent=362289"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/categories?post=362289"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/tags?post=362289"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}