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At country bank, we strive to help usda guaranteed rural housing rural housing loans offer 100% financing programs in eligible rural areas mobile home loans. Rural banks have undergone many changes due to alterations in the financial system of the country as a result there were changes in the functioning of the rural banks. Mobile banking is a service provided by a bank or other financial institution that allows its customers to conduct financial transactions remotely using a mobile device such as a smartphone or tablet. The rural bank studied for the research regression analysis was the major statistical tool 21 structure and performance of rural and micro finance. Presentation made during the mobile money transfer asia pacific conference (mmt apac) held in manila from january 17-20, 2011.