Power BI-Based Executive Performance Management Framework for Real-Time Organizational Intelligence and Business Agility

Abstract:

Rural banking in India has been a central instrument of inclusive development since the social-control phase of 1966 and the subsequent nationalisation of major commercial banks in 1969 and 1980. Yet, despite seven decades of intervention through commercial banks, Regional Rural Banks (RRBs) and the cooperative credit structure, the rural-banking sector continues to face persistent growth issues concerning credit absorption, asset quality, last-mile delivery and financial-literacy deficits. The Nashik region of Maharashtra, which combines a high-value commercial-crop economy with structurally disadvantaged tribal tehsils, offers an analytically representative setting within which these issues can be examined. This study evaluates the rural-banking landscape of the Nashik region for the period 2020 to 2024 in order to identify the binding growth issues and to propose evidence-based corrective measures.

This descriptive-analytical study was conducted for Nashik district, Maharashtra, using secondary data compiled from Reserve Bank of India (RBI) and National Bank for Agriculture and Rural Development (NABARD) publications, Maharashtra State-Level Bankers' Committee (SLBC) reports and district-level statistical handbooks for the five-year window 2020 to 2024. Branch network, credit-deposit (CD) ratio, gross non-performing-asset (NPA) ratio, compound annual growth rates and a four-indicator financial-inclusion set under the Pradhan Mantri Jan-Dhan Yojana (PMJDY) were computed across four bank groups. Ratio analysis and trend analysis were used to evaluate outcomes.

The district branch network grew from 720 to 870 branches at a CAGR of 4.8 per cent, with the RRB and the DCCB expanding fastest at 7.7 and 8.4 per cent respectively. The CD ratio recovered from the 2021 pandemic dip to 84.0 per cent for commercial banks and

74.5 per cent for the RRB, but the DCCB remained below the SLBC benchmark at 65.2 per cent. The gross NPA ratio declined to 5.4 per cent for commercial banks but stayed structurally elevated at 11.7 per cent for the DCCB. PMJDY density reached 972 accounts per 1000 rural adults, yet the activity ratio improved only from 46.2 to 61.0 per cent, indicating that roughly two-fifths of accounts remain dormant in any given quarter.

This study concludes that Nashik has made substantial progress on the access dimension of rural banking but that the binding constraints have shifted to the quality dimensions of credit delivery. Five growth issues are identified: geographic and infrastructural gaps in tribal pockets, high NPAs concentrated in Kisan Credit Card (KCC) portfolios, low digital and financial literacy among smallholders, governance weakness in the District Central Co-operative Bank (DCCB), and climate-induced agrarian distress coupled with loan-waiver moral hazard. Eight actionable recommendations are offered for policymakers, banks and panchayat-level institutions.