Evaluating the Performance of Karnataka Vikas Grameen Bank- A Study

Regional Rural Banks (RRBs) play a crucial role in rural development, boosting agriculture, economic growth, and living standards. Karnataka Vikas Grameena Bank (KVGB), with 629 branches serving over 84 lakh customers across 2,033 villages in North Karnataka, provides services like agricultural loans, entrepreneurship development, and deposit schemes to promote financial inclusion and rural livelihoods. This study evaluates KVGB’s performance from 2010-11 to 2023-24, analyzing its contributions to agricultural growth, loan disbursement, and rural entrepreneurship. Despite its efforts, challenges like limited access, low awareness of schemes, and reduced branch networks persist, highlighting the need for improved accessibility and service delivery. Using secondary data from KVGB reports and publications, the study assesses its achievements and offers recommendations to enhance its role in rural and agricultural development.