Mizoram Governor Releases Mizoram Rural Bank’s 43rd Annual Report
Aizawl, the 20th July, 2026: Mizoram Governor, General (Dr) Vijay Kumar Singh, PVSM, AVSM, YSM (Retd), today released the 43rd Annual Report Book of Mizoram Rural Bank (MRB) for the Financial Year 2025-2026 at Lok Bhavan.
While releasing the report, the Governor General (Dr) Vijay Kumar Singh expressed appreciation to Mizoram Rural Bank (MRB) for releasing its Annual Report earlier than in previous years and for the various visible achievements. He commended the bank’s efforts but urged its officials not to be satisfied with the current achievements alone. Instead, he encouraged them to continue working with greater dedication to achieve even better results in the future. Describing MRB as the heart of rural finance and the backbone of Mizoram’s rural economy, the Governor highlighted the bank’s widespread presence across the state’s remote hilly regions. He called upon the bank to make every possible effort to effectively implement various central government schemes for the public, including education loans and social security schemes, ensuring maximum outreach and successful delivery.
General (Dr) Vijay Kumar Singh further noted that, as Mizoram is a revenue-deficit state, focused efforts are needed to enhance revenue generation, with rural economic development playing a crucial role in this regard. He stressed the importance of establishing strong market linkages so that farmers can sell their produce at remunerative prices and increase their income. He also emphasised the need for more extensive outreach programmes. The Governor urged MRB officials to continue working towards improving the Credit-Deposit Ratio and maintaining zero Non-Performing Assets (NPAs). He encouraged them to collaborate closely with NABARD to develop better rural infrastructure. He called for the fostering of a culture of excellence, advising the bank to regularly evaluate its performance, popularise its activities and strive for even more productive years ahead.
Mr Bhaskar Manta, General Manager, NABARD, Aizawl, also addressed the gathering. He commended the strong collaboration between NABARD and MRB in providing financial services to poor farmers, women and Self Help Groups. Praising MRB’s initiatives and achievements, he reaffirmed NABARD’s continued commitment to supporting MRB and the people of Mizoram.
The programme was chaired by Mr C. Laldampuia, Director, Mizoram Rural Bank RSETI. Mr Saibal Kanti Roy, General Manager, Network-I, proposed the welcome address. Mrs Sheryl L Vanchhong, Chairman of Mizoram Rural Bank, presented the Annual Report and highlighted the bank’s key achievements. The event concluded with a vote of thanks by Mr Lallawmzuala Colney, General Manager, Network-II.
During the financial year 2025-26, Mizoram Rural Bank crossed the ₹10,000 crore total business milestone, reaching ₹10,656.08 crore, registering a year-on-year growth of 11.26% – the highest among all North East Regional Rural Banks (RRBs). The bank posted a Net Profit of ₹152.27 crore, the second highest among North East RRBs. It also became one of the first four RRBs in India to achieve Business per Branch (BpB) exceeding ₹100 crore, recording ₹100.53 crore.
Business per Employee stood at ₹21.70 crore, ranking second among all RRBs in India and first in the North East. Digital financial transactions accounted for 97.36% of total transactions, the highest among North East RRBs and second among all RRBs in the country. The bank achieved a Credit-Deposit (CD) Ratio of 63.29%, the second highest among North East RRBs and attained 154% of the Department of Financial Services (DFS) target under the Pradhan Mantri MUDRA Yojana (PMMY), the highest achievement in the North East.
At the state level, MRB is the largest lender in Mizoram with an advances portfolio of ₹4,129.98 crore and the second largest bank in terms of deposits at ₹6,526.10 crore. It maintains market leadership in government-sponsored schemes, holding 78% of PMJDY accounts, 56% of PMJJBY enrolments, 53% of PMSBY enrolments and 43% of APY enrolments. The bank also leads in financing priority and weaker sections with impressive market shares: 95% in Self-Help Groups (SHGs), 90% under NRLM, 79% under NULM, 67% under Kisan Credit Card (KCC), 29% under MUDRA, and 27% under PMEGP.
Mizoram Rural Bank is a Scheduled Commercial Bank with the widest and most extensive branch network in Mizoram. It has 106 branches and 491 employees spread across all districts. In areas without bank branches, the bank has deployed around 350 Business Correspondents (BCs). It also has Mizoram Rural Bank RSETI in Kolasib.
Mizoram Larsap-in Mizoram Rural Bank Annual Report 43-na a tlangzarh (Mizo)
Aizawl, the 20th July, 2026: Mizoram Larsap General (Dr) Vikay Kumar Singh, PVSM, AVSM, YSM (Retd) chuan vawiin khan Financial year 2025-2026 chhunga Mizoram Rural Bank (MRB) hmalakna hrang hrang tarlanna 43rd Annual Report chu Lok Bhavan-ah a tlangzarh.
Larsap General (Dr) Vijay Kumar Singh chuan Mizoram Rural Bank (MRB) in kum dang zawng aia hmaa Annual Report an peihfel leh hmasawnna hrang hrang hmuh theiha a awm chu lawmawm a tih thu sawiin, an thlen chinah duh tawk mai lova, tun aia hmasawn lehzual tura thawk chhunzawm zel turin a fuih a. Mizoram thingtlang kil tin dapchhuaka awm MRB chu thingtlang sum leh pai dinhmun innghahna pawimawh tak an an nih thu sawiin, mipui tana duan central scheme hrang hrangte, education loan leh social security scheme tam zawk pek chhuah leh tihhlawhtlin kawngah theihtawp chhuah turin a chah a ni.
General (Dr) Vijay Kumar Singh chuan Mizoram chu chhiah luh tlemna revenue deficit state a nih avangin chhiah lakluh kawngah tanlak a tul thu leh thingtlang sum leh pai dinhmun (rural economy) tihhmasawn chu hemi atana pawimawh tak a nih thu a sawi a. Loneitute thar chhuah hlawk zawka hralha sum lakluh tipung turin market linkage tha ruahman a tul thu sawiin, heng bakah hian inzirtirna neih tam a tul thu a sawi a. MRB hotute chu Credit Deposit Ratio tha leh NPA awm lo siam tura tan la chhunzawm zel tura chahin, NABARD leh MRB-te chu hmasawnna ruhrel tha zawk siam tura theihtawp chhuah turin a fuih a. Tun aia tha zawk ni tura inenfiah thin tur leh an hnathawhte puangzar tam tura chahin, hlawhtlinna tam zawk hmu turin duhsakna a hlan a ni.
Pu Bhaskar Manta, General Manager, NABARD, Aizawl pawhin thu sawiin, loneitu rethei tak takte, hmeichhia leh Self Help Group-te tanpui turin MRB nen thawhhona tha tak an neih thu a sawi a. MRB hmalakna leh hlawhtlinnate fakawm a tih thu sawiin, NABARD chu MRB leh Mizoram mipuite tana thawk turin a inhuam reng a ni, a ti bawk.
He hun hi Pu C. Laldampuia, Director, Mizoram Rural Bank RSETI chuan kaihruaiin Pu Saibal Kanti Roy, General Manager, Network -I chuan inlawmna thu a sawi a. Pi Sheryl L Vanchhong, Chairman, MRB hnen atangin Annual Report leh hlawhtlinna mellung pawimawh tlangpui ngaihthlak a ni a. Pu Lallawmzuala Colney, General Manager, Network -II in lawmthu sawiin hun hman a khar a ni.
MRB Annual Report-in a tarlan dan chuan Financial Year 2025-2026 chhungin Mizoram Rural Bank chuan sum chevel, deposit leh loan pek chhuah cheng vaibelchhe 10,656.08 nei tlingin nikum aiin za zela 11.26 in a tam a, hmarchhak state Rural Bank zingah a tam ber. Hlep (Net Profit) cheng vaibelchhe 152.27 hmuin, hmarchhak state Rural Bank zingah pahnihna a ni a. Bank Branch tin sum khawih zat Business per Branch (BpB) cheng vaibelchhe 100 aia tam nei thei India ram Rural Bank pali zingah telin, BpB cheng vaibelchhe 100.53 a nei tling a. Thawktu pakhat zel sum khawih zat Business per Employee cheng vaibelchhe 21.70 nei tling phain, India ram Rural Bank zingah pahnihna niin, hmarchhak state-ah pakhatna a ni a. Sum chevel zinga za zela 97.36 chu digital financial transaction ni phain, hmarchhak state-a titha ber leh India ram pumah pahnihna a ni a. Credit-Deposit (CD) Ratio za zela 63.29 neiin, hmarchhak state Rural Bank zingah pahnihna a ni a. Pradhan Mantri MUDRA Yojana (PMMY) hnuaiah DFS target za zela 154 thleng phain hmarchhak state Rural Bank zingah a sang ber a ni.
Mizoram bank zingah loan pe chhuak hnem ber niin cheng vaibelchhe 4,129.98 a tling a, sum dahluh dawng tam ber dawttu niin cheng vaibelchhe 6,526.10 a tling pha a. Sawrkar scheme pawimawh tak takah hmahruaitu niin Mizoram chhunga Pradhan Mantri Jan Dhan Yojana (PMJDY) hnuaia account za zela 78, Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) hnuaia inziaklut za zela 56, Pradhan Mantri Suraksha Bima Yojana (PMSBY) hnuaia inziaklut za zela 53 leh Atal Pension Yojana (APY) hnuaia inziaklut za zela 43 te chu MRB hnuaia mite an ni.
Heng bakah hian khawtlanga dawmkan ngai zual tan loan pe chhuakin Self-Help Groups (SHGs) zinga za zela 95, National Rural Livelihoods Mission (NRLM) hnuaia za zela 90, National Urban Livelihoods Mission (NULM) hnuaia za zela 79, Kisan Credit Card (KCC) scheme hnuaia za zela 67, MUDRA hnuaia za zela 29 leh Prime Minister’s Employment Generation Programme (PMEGP) hnuaia za zela 27 te hi MRB kaltlanga loan pekte an ni.
Mizoram Rural Bank hi Scheduled Bank niin Mizorama bank inzarpharh zau ber a ni a. District tinah inzar pharhin branch 106 leh thawktu 491 a nei a. Bank Branch awm lohna hmunah Business Correspondent (BC) dah zelin BC 350 chuang a awm mek a. Kolasib-ah Mizoram Rural Bank RSETI a awm bawk.
Written by: Dr. Lallawmkima Thangluah, MIS, PRO to Governor