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International Journal of Science, Strategic Management and Technology

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A STUDY ON RURAL BANKING IN INDIA WITH REFERENCE TO TELANGANA STATE

AUTHORS:
TAMKE ANUSHA SRI
T NIHARIKA REDDY
Mentor
Affiliation
Dept of MBA in Malla Reddy Engineering College and Management Sciences, Medchal, Hyderabad – 501 401.
DOI: 10.55041/ijsmt.v2i8.082
CC BY 4.0 License:
This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution (CC BY) license, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
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Abstract
Rural banking plays an important role in promoting financial inclusion, agricultural development, savings, entrepreneurship, and rural economic growth in India. In Telangana State, rural banks provide agricultural loans, savings facilities, insurance, government benefit transfers, self-help group finance, and digital banking services. This study examines access to rural banking, utilization patterns, customer satisfaction, financial inclusion, agricultural development, digital banking adoption, and operational challenges. Primary and secondary data are considered, with responses from 100 respondents in selected rural areas of Telangana. The study identifies loan delays, infrastructure limitations, internet problems, and financial literacy gaps and proposes measures for improving rural banking services.
Keywords
Rural Banking Financial Inclusion Agricultural Finance Digital Banking Telangana State
Article Information
PUBLICATION DETAILS
Review Type:
Double-Blind Peer Review
License:
CC BY-NC 4.0
Volume/Issue:
Volume 02, Issue 8
Review Rounds:
2
Article Type:
Research Article
Publication Date:
Aug 27 2026
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SRI, T. A. & REDDY, T. N. (2026). A STUDY ON RURAL BANKING IN INDIA WITH REFERENCE TO TELANGANA STATE. International Journal of Science, Strategic Management and Technology, 02(8), 1-5. https://doi.org/10.55041/ijsmt.v2i8.082

SRI, TAMKE, and T REDDY. "A STUDY ON RURAL BANKING IN INDIA WITH REFERENCE TO TELANGANA STATE." International Journal of Science, Strategic Management and Technology, vol. 02, no. 8, 2026, pp. 1-5. doi:https://doi.org/10.55041/ijsmt.v2i8.082.

SRI, TAMKE, and T REDDY. "A STUDY ON RURAL BANKING IN INDIA WITH REFERENCE TO TELANGANA STATE." International Journal of Science, Strategic Management and Technology 02, no. 8 (2026): 1-5. https://doi.org/https://doi.org/10.55041/ijsmt.v2i8.082.

References

  1. Government of India. (2014). Pradhan Mantri Jan-Dhan Yojana: National mission for financial inclusion. Department of Financial Services, Ministry of Finance.

  2. National Bank for Agriculture and Rural Development. (2023). Annual report 2022–23. NABARD.

  3. National Bank for Agriculture and Rural Development. (2024). Annual report 2023–24. NABARD.

  4. Reserve Bank of India. (2023). Report on trend and progress of banking in India 2022–23. Reserve Bank of India.

  5. Reserve Bank of India. (2024). Report on trend and progress of banking in India 2023–24. Reserve Bank of India.

  6. Reserve Bank of India. (2024). Annual report 2023–24. Reserve Bank of India.

  7. Reserve Bank of India. (2024). Handbook of statistics on the Indian economy 2023–24. Reserve Bank of India.

  8. Government of India. (2024). Economic survey 2023–24. Ministry of Finance.

  9. Government of India. (2024). Annual report 2023–24: Department of Financial Services. Ministry of Finance.

  10. Telangana State Planning Department. (2024). Socio economic outlook 2024. Government of Telangana.

Ethics and Compliance
✓ All ethical standards met
This article has undergone plagiarism screening and double-blind peer review. Editorial policies have been followed. Authors retain copyright under CC BY-NC 4.0 license. The research complies with ethical standards and institutional guidelines.
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