International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal

Call for Paper Volume 8, Issue 6 (November-December 2026) Submit your research before last 3 days of December to publish your research paper in the issue of November-December.
Submit Research Paper Join as a Reviewer

Plagiarism is checked by the leading plagiarism checker TurnItIn

Call for Paper

Volume 8 Issue 6
November-December 2026

Submit your research paper

Indexing Partners
Academia Advanced Sciences Index Bielefeld Academic Search Engine CiteSeer DRJI Google Scholar Independent Search Engine & Directory Network ISI (International Scientific Indexing) Issuu Mendeley Research Networks
RefSeek ResearcherId - Thomson Reuters ResearchGate Scirus Scribd Semantic Scholar UTeM - Universiti Teknikal Malaysia Melaka Wiki for Call for Papers WorldCat Zenodo

The Institutional Efficacy of Regional Rural Banks and Co-operative Institutions in Financing Rural Startup Entrepreneurs in Andhra Pradesh: A Strategic Analysis

Author(s) T. Gangadhar, Dr. G. VijayaBharathi
Country India
Abstract This study examines the evolving landscape of financial assistance for rural startup entrepreneurs in Andhra Pradesh, specifically focusing on the pivotal roles of Regional Rural Banks (RRBs) and Co-operative Banks. In light of the "Swarnandhra Vision 2047" and the "One State-One RRB" policy implemented on May 1, 2025, the institutional framework has undergone a massive consolidation to enhance credit delivery. By analyzing secondary data from the State Level Bankers’ Committee (SLBC), NABARD, and the Ministry of MSME, this report assesses the efficacy of credit-linked subsidies, the impact of the newly established Ratan Tata Innovation Hubs (RTIH), and the structural bottlenecks hindering rural industrialization. The research finds that while the amalgamation into the unified Andhra Pradesh Grameena Bank has significantly increased capital adequacy and loan disbursal rates (exceeding FY 2024-25 targets by 116%), significant gaps remain in digital penetration and collateral-free lending for first-generation entrepreneurs. The study concludes with strategic recommendations for fostering a sustainable "One Family-One Entrepreneur" ecosystem by 2030.
Keywords APGB APCOB DCCB PACS Swarnandhra Vision 2047 MSME& Entrepreneur Development policy 4.0 One Family-One Entrepreneur CGTMSE Udayam Registration.
Published In Volume 8, Issue 2, March-April 2026
Published On 2026-03-30
DOI https://doi.org/10.36948/ijfmr.2026.v08i02.80874
View / Download PDF File

Share this



E-ISSN 2582-2160
CrossRef

CrossRef DOI prefix of IJFMR is 10.36948/ijfmr

Downloads
Research Paper Format Copyright Permission Form and Undertaking Form

All research papers published on this website are licensed under Creative Commons Attribution-ShareAlike 4.0 International License, and all rights belong to their respective authors/researchers.

CC-BY-SA Open Access

About IJFMR
Fees & Payment
Current Issue
Publication Archive 		Submit Research Paper
Track Submission Status
Publication Guidelines
Publication Ethics
Peer Review & Plagiarism 		Join as a Reviewer
Editors & Reviewers
Reviewer Referral Program
Get Reviewer Membership Certi. 		Website/Journal Policies
Usage Policy
Content Policies
Privacy Policy
Contact Us +91-9687-828-838 editor@ijfmr.com
Powered by Sky Research Publication and Journals