Title:
Navigating Financial Frontiers: An Exploratory Study of Institutional Finance in Assam

Authors:
Dr. Sukanta Sarkar, Dr. Suman Kalyan Chaudhury, Dr.K.Harun, India

Abstract:

This paper examines the progress and challenges of institutional finance in Assam. It reveals that the commercial banks of Assam are leading in deposits and dispersion of credits in the north-eastern region of India. Deposit and credit disbursement of banks are showing consistent growth. Scheduled commercial banks in urban areas account for the largest share of these deposits and credits, with savings and term accounts being the primary contributors to deposit growth. Weaker section advance to weaker section advance is highest in a regional rural bank. Public sector banks are in a leading position in disbursing KCC numbers and KCC amounts. There are many challenges before the institutional finance in Assam. Therefore, the government should introduce proper banking policies to mitigate such challenges. This study aims to contribute to the broader goal of promoting sustainable development, reducing disparities, and enhancing the overall well-being of Assam’s populace. This paper is the first to address the critical gap in the understanding of the financial landscape of Assam, a region undergoing rapid socio-economic transformation. As the first to specifically address the financial landscape of Assam during its rapid socio-economic transformation, the paper's findings can inform policy and strategic decisions at both regional and national levels.

DOI: https://doi.org/10.51505/IJEBMR.2025.9203