NABARD to Launch ‘CDCI Platform’ for Regional Rural Banks

Current Context: On end-September 2025, NABARD will launch the Centralised Digital Credit Infrastructure (CDCI) platform for Regional Rural Banks (RRBs).

• The platform will provide end-to-end digital automation of credit delivery to improve efficiency and transparency.
• It will help RRBs compete with Non-Banking Financial Companies (NBFCs) and Microfinance Institutions (MFIs).
• Linked to the One State–One RRB policy (1 May 2025), which consolidated 43 RRBs into 28.
• The CDCI will digitise loan origination, sanction, monitoring, and repayment processes.
• It will also support innovative products like housing loans with first-loss default guarantees and MSME-focused credit.
• The initiative strengthens financial inclusion and aligns with Digital India & Aatmanirbhar Bharat.

Question:

Q.1 Under the One State–One RRB policy effective 1 May 2025, how many RRBs were consolidated into fewer entities?
a) From 28 to 15
b) From 43 to 28
c) From 56 to 43
d) From 196 to 82

Answer: b) The policy reduced the number of RRBs from 43 to 28 through amalgamation across 10 states and 1 Union Territory, covering over 22,000 branches in rural/semi-urban areas.