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Synopsis India is basically an agricultural country and the study of rural development has attracted attention of the economist, planners and the social scientists in India. Agricultural development is important because it provides economic sustenance and builds up a strong industrial base. Regional Rural Banks (RRBs) which appeared on the banking map of the country in 1975 have now become the main plank of the organized rural credit structure. The banks are state-sponsored, regionally based and rural oriented, functioning specifically to meet the credit needs of the weaker section of rural population including small and marginal farmers and landless labourers. The present study is confined to the availability and utilization of RRBs credit and its impact on rural development. The Role of RRBs is a great source and tool of economic planning geared to attain the goal of rapid regional development.