List of Regional Rural Banks in India UPSC Notes

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Regional rural banks (RRBs) operate in rural areas across the country. The Institute of Banking Personnel Selection (IBPS) is in charge of conducting Officer and Office Assistant Examinations in various RRBs. IBPS is one of the largest banking sector organizations in India, which conducts the IBPS RRB Examination across the country.

Table of Contents

Introduction of regional rural banks

• As the name suggests, Regional Rural Banks (RRBs) are established to provide banking services to regional areas.

• RRBs are government-owned scheduled commercial banks of India.

• Most RRBs operate at the regional level in different states of India. However, several RRBs have branches in urban areas as well.

• These banks are under the ownership of the Ministry of Finance, Government of India.

• Originally they were created to facilitate basic banking as well as financial services in rural areas.

Total regional rural banks in India

• Currently there are 43 regional rural banks in India.

• The first Regional Rural Bank was the Prothma Bank of Uttar Pradesh.

5 Regional Regional Rural Banks were established on 2 October 1975.

Merger of regional rural banks

• In January 2013, 25 RRBs were merged into 10 RRBs, totaling 67 RRBs.

• As of March 2016, there were 56 RRBs, covering 525 districts with a network of 14,494 branches.

• As of 1 April 2020, there are 43 RRBs in India.

List of regional rural banks in India

Sl. No.Name of Regional Rural BankSponsor BankState
1Andhra Pradesh Grameena Vikas BankState Bank of IndiaTelangana
2Andhra Pragathi Grameena BankCanara BankAndhra Pradesh
3Arunachal Pradesh Rural BankState Bank of IndiaArunachal Pradesh
4Aryavart BankBank of IndiaUttar Pradesh
5Assam Gramin Vikash BankPunjab National BankAssam
6Bangiya Gramin Vikash BankPunjab National BankWest Bengal
7Baroda Gujarat Gramin BankBank of BarodaGujarat
8Baroda Rajasthan Kshetriya Gramin BankBank of BarodaRajasthan
9Baroda UP BankBank of BarodaUttar Pradesh
10Chaitanya Godavari Grameena BankUnion Bank of IndiaAndhra Pradesh
11Chhattisgarh Rajya Gramin BankState Bank of IndiaChhattisgarh
12Dakshin Bihar Gramin BankPunjab National BankBihar
13Ellaquai Dehati BankState Bank of IndiaJammu & Kashmir
14Himachal Pradesh Gramin BankPunjab National BankHimachal Pradesh
15J&K Grameen BankJ&K Bank Ltd.Jammu & Kashmir
16Jharkhand Rajya Gramin BankState Bank of IndiaJharkhand
17Karnataka Gramin BankCanara BankKarnataka
18Karnataka Vikas Grameena BankCanara BankKarnataka
19Kerala Gramin BankCanara BankKerala
20Madhya Pradesh Gramin BankBank of IndiaMadhya Pradesh
21Madhyanchal Gramin BankState Bank of IndiaMadhya Pradesh
22Maharashtra Gramin BankBank of MaharashtraMaharashtra
23Manipur Rural BankPunjab National BankManipur
24Meghalaya Rural BankState Bank of IndiaMeghalaya
25Mizoram Rural BankState Bank of IndiaMizoram
26Nagaland Rural BankState Bank of IndiaNagaland
27Odisha Gramya BankIndian Overseas BankOdisha
28Paschim Banga Gramin BankUCO BankWest Bengal
29Prathama UP Gramin BankPunjab National BankUttar Pradesh
30Puduvai Bharthiar Grama BankIndian BankPuducherry
31Punjab Gramin BankPunjab National BankPunjab
32Rajasthan Marudhara Gramin BankState Bank of IndiaRajasthan
33Saptagiri Grameena BankIndian BankAndhra Pradesh
34Sarva Haryana Gramin BankPunjab National BankHaryana
35Saurashtra Gramin BankState Bank of IndiaGujarat
36Tamil Nadu Grama BankIndian BankTamil Nadu
37Telangana Grameena BankState Bank of IndiaTelangana
38Tripura Gramin BankPunjab National BankTripura
39Utkal Grameen BankState Bank of IndiaOdisha
40Uttar Banga Kshetriya Gramin BankCentral Bank of IndiaWest Bengal
41Uttar Bihar Gramin BankCentral Bank of IndiaBihar
42Uttarakhand Gramin BankState Bank of IndiaUttarakhand
43Vidharbha Konkan Gramin BankBank of IndiaMaharashtra

State-wise List of Regional Rural Banks in India

Regional Rural Banks in Andhra Pradesh

Name of RRBSponsor BankHead Office
Andhra Pragathi Grameena BankSyndicate BankKadapa
Chaitanya Godavari Grameena BankAndhra BankGuntur
Andhra Pradesh Grameena Vikas BankState Bank of IndiaKadapa
Saptagiri Grameena BankIndian BankChittor

Regional Rural Banks in Arunachal Pradesh

Name of RRBSponsor BankHead Office
Arunachal Pradesh Rural BankState Bank of IndiaNaharlagun

Regional Rural Banks in Assam

Name of RRBSponsor BankHead Office
Assam Gramin Vikash BankUnited Bank of IndiaGuwahati
Langpi Dehangi Rural BankState Bank of IndiaDiphu

Regional Rural Banks in Bihar

Name of RRBSponsor BankHead Office
Uttar Bihar Gramin BankCentral Bank of IndiaMuzaffarpur
Bihar Gramin BankUCO BankPatna
Madhya Bihar Gramin BankPunjab National BankPatna

Regional Rural Banks in Chhattisgarh

Name of RRBSponsor BankHead Office
Chhattisgarh Rajya Gramin BankState Bank of IndiaRaipur

Regional Rural Banks in Gujarat

Name of RRBSponsor BankHead Office
Baroda Gujarat Gramin BankBank of BarodaBharuch
Dena Gujarat Gramin BankDena BankGandhinagar
Saurashtra Gramin BankState Bank of IndiaRajkot

Regional Rural Banks in Haryana

Name of RRBSponsor BankHead Office
Sarva Haryana Gramin BankPunjab National BankRohtak

Regional Rural Banks in Himachal Pradesh

Name of RRBSponsor BankHead Office
Himachal Pradesh Gramin BankPunjab National BankMandi

Regional Rural Banks in Jammu and Kashmir

Name of RRBSponsor BankHead Office
Ellaquai Dehati BankState Bank of IndiaSrinagar
J&K Grameen BankJ&K Bank Ltd.Jammu

Regional Rural Banks in Jharkhand

Name of RRBSponsor BankHead Office
Vananchal Gramin BankState Bank of IndiaRanchi
Jharkhand Gramin BankBank of IndiaRanchi

Regional Rural Banks in Karnataka

Name of RRBSponsor BankHead Office
Pragathi Krishna Gramin BankCanara BankBallari
Kaveri Gramin BankState Bank of IndiaMysuru
Karnataka Vikas Grameena BankSyndicate BankDharwad

Regional Rural Banks in Kerala

Name of RRBSponsor BankHead Office
Kerala Gramin BankCanara BankMallapuram

Regional Rural Banks in Madhya Pradesh

Name of RRBSponsor BankHead Office
Narmada Jhabua Gramin Bank Bank of IndiaIndore
Central Madhya Pradesh Gramin BankCentral Bank of IndiaIndore
Madhyanchal Gramin BankState Bank of IndiaSagar

Regional Rural Banks in Maharashtra

Name of RRBSponsor BankHead Office
Vidarbha Konkan Gramin BankBank of IndiaNagpur
Maharashtra Gramin BankBank of MaharashtraAurangabad

Regional Rural Banks in Manipur

Name of RRBSponsor BankHead Office
Manipur Rural BankUnited Bank of IndiaImphal

Regional Rural Banks in Meghalaya

Name of RRBSponsor BankHead Office
Meghalaya Rural BankState Bank of IndiaShillong

Regional Rural Banks in Uttar Pradesh

Name of RRBSponsor BankHead Office
Gramin Bank of AryavartBank of IndiaLucknow
Allahabad UP Gramin BankAllahabad BankBanda
Baroda Uttar Pradesh Gramin BankBank of BarodaRaebareli
Kashi Gomti Samyut Gramin BankUnion Bank of IndiaVaranasi
Sarva UP Gramin BankPunjab National BankMeerut
Prathama UP Gramin BankSyndicate BankMoradabad
Purvanchal BankState Bank of IndiaGorakhpur

Regional Rural Banks in Mizoram

Name of RRBSponsor BankHead Office
Mizoram Rural BankState Bank of IndiaAizawl

Regional Rural Banks in Tamil Nadu

Name of RRBSponsor BankHead Office
Pallavan Grama BankIndian BankSalem
Pandyan Grama BankIndian Overseas BankVirudhunagar

Regional Rural Banks in Nagaland

Name of RRBSponsor BankHead Office
Nagaland Rural BankState Bank of IndiaKohima

Regional Rural Banks in Odisha

Name of RRBSponsor BankHead Office
Utkal Grameen BankState Bank of IndiaBolangir
Odisha Gramya BankIndian Overseas BankBhubaneshwar

Regional Rural Banks in Tripura

Name of RRBSponsor BankHead Office
Tripura Gramin BankUnited Bank of IndiaAgartala

Regional Rural Banks in Uttarakhand

Name of RRBSponsor BankHead Office
Uttarakhand Gramin BankState Bank of IndiaDehradun

Regional Rural Banks in Puducherry

Name of RRBSponsor BankHead Office
Puduvai Bharathiar Grama BankIndian BankPuducherry

Regional Rural Banks in Telangana

Name of RRBSponsor BankHead Office
Telangana Grameena BankState Bank of IndiaHyderabad

Regional Rural Banks in Punjab

Name of RRBSponsor BankHead Office
Punjab Gramin BankPunjab National BankKapurthala
Malwa Gramin BankState Bank of IndiaSangrur
Sutlej Gramin BankBhatinda

Regional Rural Banks in Rajasthan

Name of RRBSponsor BankHead Office
Baroda Rajasthan Kshetriya Gramin BankBank of BarodaAjmer
Rajasthan Marudhara Gramin BankState Bank of IndiaJodhpur

Regional Rural Banks in West Bengal

Name of RRBSponsor BankHead Office
West BengalBangiya Gramin Vikash BankUnited Bank of IndiaMurshidabad
Paschim Banga Gramin BankUCO BankHowrah
Uttarbanga Kshetriya Gramin BankCentral Bank of IndiaCoochbehar

Functions of regional rural banks in India

• The area of operation is limited to the area notified by the government of India covering, and it covers one or more districts in the State.

• RRBs provide the following under basic banking facilities_______

• RRBs perform several functions such as providing banking facilities to rural and semi-urban areas.

Carrying out government operations such as

  1. Disbursement of wages of MGNREGA workers
  2. Distribution of pensions

Providing para-banking facilities like

  1. Locker facilities
  2. Debit and credit cards
  3. Mobile banking
  4. Internet banking
  5. UPI services

History of regional rural banks in India

• Regional Rural Banks were established under the provisions of an Ordinance passed on 26 September 1975.

• As a result, five RRBs were set up on 2 October 1975.

• These 5 RRBs were established on the recommendation of the Narasingham Committee.

• In India, regional rural banks were established during Indira Gandhi’s government.

• The objective was to bring rural areas into the economic mainstream as about 70% of the Indian population was rural.

List of First 5 regional rural banks in India

• The first five regional rural banks were established on 2 October 1975.

• Prothma Bank of Uttar Pradesh (head office Moradabad) was India’s first RRB.

• Prothma Bank was sponsored by Syndicate Bank and had an authorized capital of Rs. 5 crore rupees.

Sl. No.Name of Regional Rural BankSponsor BankState
1Prathama BankSyndicate BankMoradabad, Uttar Pradesh
2Gaur Gramin BankUCO BankSahajadpur, West Bengal
3Gorakhpur Kshetriya Gramin BankState Bank of IndiaGorakhpur, Uttar Pradesh
4Haryana Kshetriya Gramin BankPunjab National BankHaryana
5Jaipur-Nagaur Anchalik Gramin BankUCO BankJaipur, Rajasthan

Owner of Regional Rural Banks

• RRBs were owned by the Central Government, State Governments, and Sponsor Banks with 50%, 15%, and 35% shareholding respectively.

Key points about regional rural banks in India

• RRBs are scheduled commercial banks.
• The RRB is regulated by NABARD.

• As on 1 April 2020, the number of RRBs in India stands at 43.

• Andhra Pradesh has the highest number of RRBs (4).
• There may be one or more RRBs in a particular state.
• They operated at the regional level.

Frequently Asked Questions (FAQ) about regional rural banks in India

Q1. Regional rural banks are sponsored by _

Answer: In RRBs, 15% stake is held by the state government, 50% by the central government, and 35% by the sponsor bank.

Q2. Authorised capital of regional rural banks should be _

Answer: Authorised capital of each RRB to be Rs five crore.

Q3. How many regional rural banks in India?

Answer: 43 (As of 1 April, 2020)

Q4. Regional rural banks were set by the

Answer: Like other public sector Banks RRBs are established by Government of India and are scheduled & notified by Reserve Bank of India.

Q5. What is the purpose behind the establishment of regional rural banks?

Answer: It provides basic banking facilities in rural areas like locker facilities, debit and credit cards, mobile banking, internet banking, UPI services.

Q6. In India regional rural banks were constituted in:

Answer: Regional Rural Banks were set up on 1975.

Q7. Which committee recommended the setup of regional rural banks?

Answer: Regional Rural Banks were set up on the basis of the recommendations of the Narasimham Committee.

Q8. Regional rural banks were established in the year:

Answer: 1975

Q9. Who is the supervisor of regional rural banks in India?

Answer: Regional Rural Banks (RRBs) operates under the supervision of NABARD (National Bank for Agriculture and Rural Development)

Q10. Regional rural banks are also known as?

Answer: Regional Rural Banks have been termed as small man’s banks.

Q11. Which was the first RRB in India?

Answer: The Prathama Grameen Bank was the first bank to be established on 02nd October 1975.


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