Mizoram Rural Bank hits ₹10,656 crore business mark, leads Northeast RRBs
Synopsis
For the first time in its history, Mizoram Rural Bank has crossed the ₹10,000 crore business mark — and it did so with the fastest growth rate among all Northeast RRBs, 97 per cent digital transactions, and a place in the national top-four for Business per Branch. In a revenue-deficit state, this is more than a banking milestone: it is a gauge of how deep financial inclusion has reached into Mizoram's hills.
Key Takeaways
Mizoram Rural Bank (MRB) recorded total business of ₹10,656.08 crore in 2025-26 , crossing the ₹10,000 crore mark for the first time.
Year-on-year growth of 11.26 per cent — the highest among all Northeast RRBs .
Net profit stood at ₹152.27 crore , the second highest among North East RRBs.
MRB is one of only four RRBs in India to achieve Business per Branch exceeding ₹100 crore .
Digital transactions accounted for 97.36 per cent of total transactions — highest in the Northeast, second nationally.
MRB holds 78 per cent of all PMJDY accounts in Mizoram and leads in SHG financing with a 95 per cent market share.
Mizoram Rural Bank (MRB) has crossed the ₹10,000 crore total business threshold for the first time in its history, recording ₹10,656.08 crore in the 2025-26 financial year — an 11.26 per cent year-on-year growth rate that makes it the fastest-growing Regional Rural Bank (RRB) in the Northeast. The milestone was disclosed on Monday, 20 July at the release of the bank's 43rd Annual Report in Aizawl.
Key Financial Achievements
MRB posted a Net Profit of ₹152.27 crore, the second highest among all North East RRBs. The bank also entered an exclusive national club, becoming one of only four RRBs in India to surpass ₹100 crore Business per Branch, recording ₹100.53 crore. Its Business per Employee stood at ₹21.70 crore — ranked second nationally among all RRBs and first in the Northeast.
Of the 28 RRBs currently operating across India, each of the eight Northeastern states hosts one. MRB's growth rate of 11.26 per cent outpaced all its regional peers during the last financial year.
Digital Transactions and Credit Performance
Digital financial transactions accounted for 97.36 per cent of MRB's total transactions — the highest share among all North East RRBs and second highest nationally. The bank achieved a Credit-Deposit (CD) Ratio of 63.29 per cent, the second highest in the Northeast, and fulfilled 154 per cent of the Department of Financial Services (DFS) target under the Pradhan Mantri MUDRA Yojana (PMMY) — the best performance in the entire Northeast region.
Market Leadership in Mizoram
At the state level, MRB is Mizoram's largest lender, with an advances portfolio of ₹4,129.98 crore, and the second-largest bank by deposits at ₹6,526.10 crore. Its dominance in government-sponsored financial inclusion schemes is striking: the bank holds 78 per cent of all Pradhan Mantri Jan Dhan Yojana (PMJDY) accounts in the state, 56 per cent of PMJJBY enrolments, 53 per cent of PMSBY enrolments, and 43 per cent of Atal Pension Yojana (APY) enrolments.
The bank's reach into priority and weaker sections is equally extensive: 95 per cent market share in Self-Help Groups (SHGs), 90 per cent under NRLM, 79 per cent under NULM, 67 per cent under Kisan Credit Card (KCC), 29 per cent under MUDRA, and 27 per cent under PMEGP.
What the Governor Said
Mizoram Governor General Vijay Kumar Singh (Retd) released the 43rd Annual Report at Lok Bhavan on Monday, commending MRB for publishing the report ahead of schedule. He described the bank as 'the heart of rural finance and the backbone of Mizoram's rural economy,' underscoring its reach into the state's remote hilly terrain.
The Governor urged bank officials not to rest on current achievements, calling for stronger market linkages so that farmers can sell produce at remunerative prices. He also emphasised the need to improve the Credit-Deposit Ratio, maintain zero Non-Performing Assets (NPAs), and collaborate more closely with NABARD to build rural infrastructure. Noting that Mizoram is a revenue-deficit state, he stressed that rural economic development must play a central role in enhancing the state's revenue generation.
What Comes Next
With its ₹10,000 crore threshold now cleared and digital penetration already near-total, MRB's next challenge is deepening credit offtake — particularly through education loans and social security schemes — while sustaining its NPA discipline. The Governor's directive to expand outreach programmes signals that financial inclusion, not just headline business growth, will be the benchmark for the year ahead.
Point of View
656 crore milestone is impressive on paper, but the more telling number is 97.36 per cent digital penetration in one of India's most geographically challenging states — that is a genuine infrastructure achievement, not just a headline figure. The bank's near-monopoly on PMJDY accounts (78 per cent) and SHG lending (95 per cent) means Mizoram's rural financial ecosystem is overwhelmingly dependent on a single institution, which is both a strength and a systemic concentration risk. Governor Singh's push for zero NPAs is prudent, but the CD Ratio at 63.29 per cent — while second-best in the Northeast — still signals room to convert deposits into productive credit. The real test for MRB is whether its next phase of growth translates into measurable income gains for the farmers and self-help groups it dominates on paper.
NationPress
21 Jul 2026
Frequently Asked Questions
What is the total business milestone crossed by Mizoram Rural Bank?
Mizoram Rural Bank crossed the ₹10,000 crore total business mark for the first time, reaching ₹10,656.08 crore in the 2025-26 financial year. This represents an 11.26 per cent year-on-year growth, the highest among all Regional Rural Banks in the Northeast.
How does MRB rank among Regional Rural Banks in India?
MRB ranks second nationally in Business per Employee at ₹21.70 crore and is one of only four RRBs in India to exceed ₹100 crore in Business per Branch. Its digital transaction share of 97.36 per cent is the second highest among all RRBs nationally.
What is MRB's role in financial inclusion in Mizoram?
MRB is Mizoram's largest lender and holds dominant market shares across government schemes — 78 per cent of PMJDY accounts, 95 per cent of SHG financing, and 90 per cent under NRLM. It also achieved 154 per cent of the DFS target under the Pradhan Mantri MUDRA Yojana, the best in the Northeast.
Who released MRB's 43rd Annual Report and what was highlighted?
Mizoram Governor General Vijay Kumar Singh (Retd) released the 43rd Annual Report at Lok Bhavan on 20 July 2025. He commended the bank's achievements but urged officials to improve the Credit-Deposit Ratio, maintain zero NPAs, and expand outreach for education loans and social security schemes.
What is MRB's net profit for 2025-26?
MRB posted a net profit of ₹152.27 crore for the 2025-26 financial year, the second highest among all North East RRBs. The bank's advances portfolio stood at ₹4,129.98 crore and deposits at ₹6,526.10 crore.
