Dr. R.S. PUNDIRBHARGAV BHATT2017-05-232017-05-232010http://krishikosh.egranth.ac.in/handle/1/5810012178Adequate, timely and hassle free institutional credit is sine qua none for the development of any sector. Growing income, education and changing pattern of life style in rural areas which is in line of urban pattern has arrested attention of many national and transnational agencies. As a result, these agencies are now envisaging a big market for their products, including credit, in the rural India. HDFC bank is also exploring business prospect in the rural areas. The bank has its immense financial contribution to Indian urban areas, but has not yet recognized the rural potential. In view of this, the HDFC bank assigned the project entitled “Rural Banking in Gujarat”. Bharuch district was selected for the purpose. Within the district seven villages and from each selected village 13 households were selected for primary survey. This apart, the study also used secondary data to meet the stipulated objectives. IncomeenStudyThesis