Advantages & Disadvantages of Working In A Regional Rural Bank

Regional Rural Banks (RRBs) came into existence in India in September 1975. They were started to provide banking facilities to the rural populace and to ensure greater financial inclusion. They are recognized by the law and have a legislative backing of the Regional Rural Banks Act 1976 (which allows the Government to set up banks whenever and wherever necessary). Today, RRBs are widely spread and are a fundamental part of the banking sector. They promote development in rural areas by assisting rural people (entrepreneurs, artisans, small businessmen, agricultural co-operative societies) financially by providing loans and advances. But for employees for RRBs let’s check out the Advantages Disadvantages of Regional Rural Bank.


IBPS RRB Exam 2021: Important Events and Dates

To know about the crucial dates regarding the various events related to the IBPS RRB examination, such as submitting the RRB exam application, downloading the admit card, and examination dates, you can refer to the table given below. 

IBPS RRB 2021 Important EventsDates
Official notification announcement for the RRB exam 2021 by IBPS07 June 2021
Activation of the online application form filling for RRB exam 202108 June 2021
The final date to submit the online application for the RRB exam 202128 June 2021
The last date to make changes to the application for RRB exam 202128 June 2021
The last date to make the fee payment for RRB online application28 June 2021
The download date for the RRB Pre Office Assistant admit card 09 July 2021
The download date for the RRB Officer Scale I Admit card19 July 2021 to 25 July 2021
Preliminary exam dates for the RRB Office Assistant01st, 07th, 08th, 14th, 21st August 2021
Preliminary exam dates for the RRB Officer Scale I01st, 07th, 08th, 14th, 21st August 2021
Main exam date for the RRB Office Assistant25 September 2021
Main exam date for the RRB Officer Scale I 03 October 2021
Main Exam date for Officer Scale-II and Officer Scale III25 September 2021

A lot of you may still have apprehensions about applying for IBPS RRB Exams. The following article is written in an attempt to give you more clarity on Regional Rural Banks and help you make the right career decision. The major difference between Regional Rural Banks and Commercial PSUs are their nature of work, growth prospects, and location of posting.

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However, in the following article, Advantages Disadvantages of Regional Rural Bank we have listed the advantages and disadvantages of working in an RRB. Have a look:

1. Advantages Disadvantages of Regional Rural Bank

1.1 Advantages of  working in an RRB

Job Satisfaction

The majority of customers of Regional Rural Banks are daily workers and farmers, involved in the Agrarian economy. These people require a bank account for various purposes like receiving MNREGA Wages, Government grants, to buy products for agricultural purposes (tractors, machinery, etc.) or start a new business.

The employees of Regional Rural Banks help these people by providing them loans, assist them in agricultural finance and other necessary facilities, thereby helping in the development of rural or backward areas. Getting to work and interact with rural people provide the employees with a lot of job satisfaction.

RRB Employees also attend workshops/training (apart from their regular work) conducted by the Government to learn more about farming, breeding, optimal usage of water resources, etc. This helps the officers to chart ways in which they can reach people easily, communicate effectively with the rural populace, suggest they engage with the banks to secure necessary finances for future activities.

Some officers go out of their way and join NGOs, attend seminars, and other events to gain an edge over other employees to grow in their careers.

Posting in home town

RRB requires you to know the local language of the place you will be posted to, hence chances of you getting posted in your home state are very high.

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Work-life balance

Compared to commercial banks, jobs in RRBs are less stressful and have less work pressure due to limited work. The bank timings are mostly fixed, which ensures that you have a good amount of time to spend with your family. RRBs also provide great job security compared to private sector banks.

Less expense

It goes without saying, that rural areas don’t have the luxurious lifestyle of metro cities and therefore are much cheaper. This will ensure that you spend less and save more.

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1.2 Disadvantages of working in an RRB

Limited scope of work

As mentioned in one of the points above, RRBs have limited work. A majority of their work includes interacting with the rural populace, helping them open bank accounts, providing them loans, assisting in agricultural financing apart from their routine.

RRBs exist for a specific purpose and that is to help provide credit and banking facilities to the rural people (farmers, entrepreneurs, and rural co-operative societies). RRBs have limited options in the products and services they offer compared to commercial banks.

This means the scope of work for RRB Officers and Assistants is relatively less. A lot of employees work in RRBs, gain experience, and go on to give their CAIIB and JAIIB Exams to join other PSUs to explore greater career avenues.

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Limited growth

Growth at RRBs is not nearly as good as it is in commercial public sector banks. There are a lot of reasons for this:

  • Limited or no access to proper training or courses
  • The senior posts are mostly filled by the officers from sponsoring banks
  • An officer can only rise up to Scale III or IV (Chief Manager) in most RRBs
  • Growth depends mostly on factors such as seniority and influence

However, passing JAIIB/CAIIB exams can entitle the RRB Officers for higher increments in the serving bank. That’s all we have regarding Advantages Disadvantages of Regional Rural Bank. Read along for preparation resources and courses on IBPS RRB PO and Clerk.

Further Reading:

Tips to Crack Banking Interviews

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2. IBPS RRB PO/ Clerk Preparation Sources

IBPS RRB PO Online Course:

To take your preparation in the right direction, Oliveboard has come up with not just Online mock tests but also live online courses that will make your IBPS RRB Online Preparation a lot easier. Read along to check the details:

Salient Features of the Video Course – Prepare with Oliveboard


  • Live Video & Audio Interaction with the faculty
  • 60+ Hours of Doubt Cum Revision Classes
  • 70+ Video Lectures


  • 15+ Live Practice Sessions (led by faculty)
  • 20 Prelims + 10 Mains Mock Tests for IBPS RRB Asst.
  • 20 Prelims + 10 Mains Mock Tests for IBPS RRB Officer
  • 90 Sectional Tests for Prelims & Mains
  • Topic + GK Tests + 200 Ebooks

Exam Strategy

  • Special test-taking strategy sessions
  • Previous year Topper sessions for tips and strategies


3. Top 10 IBPS RRB PO/ Clerk Ebooks

You can download the top 10  ebooks important for IBPS RRB PO/ Clerk by clicking on the link given below:

ibps rrb free ebook
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