Question 1

What is Chhattisgarh Gramin Bank?

Accepted Answer

Chhattisgarh Gramin Bank is a Regional Rural Bank (RRB) operating in the state of Chhattisgarh, India. The bank was established on 2 September 2013 as a government-owned scheduled commercial bank focused on serving rural and semi-urban areas. It is sponsored by State Bank of India and operates under the Regional Rural Banks Act, 1976.

The bank is jointly owned by the Government of India (50%), the Government of Chhattisgarh (15%), and State Bank of India (35%). With over 626 branches across the state, Chhattisgarh Gramin Bank serves as a vital financial institution connecting rural communities to the formal banking system.

Question 2

When was Chhattisgarh Gramin Bank founded?

Accepted Answer

Chhattisgarh Gramin Bank was officially established on 2 September 2013 through the amalgamation of three existing Regional Rural Banks. The merger was implemented under Notification F. No. 7/9/2011-RRB issued by the Government of India's Ministry of Finance, Department of Financial Services.

The three predecessor banks were Chhattisgarh Gramin Bank (originally established on 30 June 2006), Surguja Kshetriya Gramin Bank (established on 24 October 1979), and Durg Rajnandgaon Gramin Bank (established on 12 March 1980). The original Chhattisgarh Gramin Bank itself was formed through the merger of Bilaspur-Raipur Kshetriya Gramin Bank, Bastar Kshetriya Gramin Bank, and Raigarh Kshetriya Gramin Bank.

On 23 October 2025, the bank was officially renamed from Chhattisgarh Rajya Gramin Bank to Chhattisgarh Gramin Bank by the Ministry of Finance to simplify its name and align it with the state. The functional jurisdiction and operations remained unchanged during this renaming.

Question 3

Where is Chhattisgarh Gramin Bank headquartered?

Accepted Answer

Chhattisgarh Gramin Bank is headquartered in Raipur, the capital city of Chhattisgarh state. The bank's corporate office is located in Naya Raipur (also known as Atal Nagar), which is a planned city adjacent to Raipur.

As the head office is strategically positioned in the state capital, it enables the bank to maintain strong connections with both government agencies and the rural communities it serves throughout Chhattisgarh.

Question 4

Where does Chhattisgarh Gramin Bank operate?

Accepted Answer

Chhattisgarh Gramin Bank operates throughout the entire state of Chhattisgarh, covering all districts within the state. The bank maintains a network of over 626 branches spread across rural and semi-urban areas.

The bank's presence extends to major districts including Raipur, Bilaspur, Durg, Rajnandgaon, Surguja, Bastar, Raigarh, Baloda Bazar, Dhamtari, and Mungeli, among others. In addition to its branch network, the bank operates through approximately 2,000 Business Correspondents (Bank Mitras/Bank Sakhi) who provide banking services in remote and unbanked areas.

The bank also operates Mobile ATM Vans that travel to different locations, providing ATM services to customers in rural areas where fixed infrastructure may not be available.

Question 5

What services does Chhattisgarh Gramin Bank offer?

Accepted Answer

Chhattisgarh Gramin Bank offers a comprehensive range of banking and financial services tailored to rural and semi-urban populations:

Deposit Services: Savings accounts, current accounts, fixed deposits, recurring deposits, and senior citizen schemes.

Agricultural Lending: Kisan Credit Card (KCC), short-term crop loans, agricultural term loans, tractor loans, dairy financing, poultry loans, fisheries and animal husbandry financing, and Agriculture Infrastructure Fund (AIF) loans.

Rural Development Loans: MUDRA loans (Shishu, Kishor, Tarun categories), self-help group (SHG) financing, NRLM (National Rural Livelihoods Mission) loans, and housing loans.

Personal Banking: Personal loans, gold loans, two-wheeler and four-wheeler loans, education loans, pension loans, and rooftop solar loans.

SME & Business Loans: Business loans, SME financing, rice mill financing, agri-clinic and agri-business financing, and cash credit facilities.

Digital Services: Mobile banking through the CRGB Mobile Banking app (M-Tej), internet banking for retail and corporate customers, BHIM CRGB Pay UPI application, RuPay debit cards (Platinum and Classic variants), NEFT/IMPS/RTGS fund transfers, mobile and online passbook printing (Swayam kiosks), ATM services including Mobile ATMs, and digital account opening through Video KYC and Aadhaar-based instant account opening.

Government Schemes: Pradhan Mantri Jan Dhan Yojana (PMJDY) accounts, MGNREGA wage disbursement, pension distribution, and subsidy distribution programs.

The bank has opened over 40 lakh PMJDY accounts and operates seven Financial Literacy Centers to promote financial education in rural communities.

Question 6

What makes Chhattisgarh Gramin Bank unique?

Accepted Answer

Chhattisgarh Gramin Bank stands out for its deep commitment to rural financial inclusion and agricultural development in Chhattisgarh. The bank has received awards from both the Government of India and the Government of Chhattisgarh for excellence in financing housing and poverty alleviation under NRLM.

The bank's innovative approach includes deploying Mobile ATM Vans that travel to different villages, bringing banking services directly to customers in remote areas. This mobile infrastructure ensures that even the most underserved communities have access to cash withdrawal and other ATM services.

With approximately 2,000 Business Correspondents (Bank Mitras and Bank Sakhis), the bank extends its reach far beyond traditional branch banking. These correspondents not only provide banking transactions but also deliver financial literacy programs, helping rural populations understand and utilize banking services effectively.

The bank's focus on agricultural and rural sector financing is evident in its specialized loan products, including comprehensive Kisan Credit Card schemes, subsidized interest rates for farmers, and dedicated financing for agri-infrastructure development. Chhattisgarh Gramin Bank operates Aadhaar Enrollment Centres, facilitating identity documentation for rural residents while promoting financial inclusion.

Question 7

What type of financial institution is Chhattisgarh Gramin Bank?

Accepted Answer

Chhattisgarh Gramin Bank is a Regional Rural Bank (RRB), a specialized category of scheduled commercial bank in India. RRBs were created under the Regional Rural Banks Act, 1976, to serve rural areas with basic banking and financial services while supporting agricultural and rural development.

As an RRB, Chhattisgarh Gramin Bank operates under a unique ownership structure mandated by law: 50% ownership by the Central Government, 35% by the sponsor bank (State Bank of India), and 15% by the State Government of Chhattisgarh. This tri-partite ownership ensures the bank receives support from multiple government levels while benefiting from the expertise and infrastructure of its sponsor bank.

RRBs like Chhattisgarh Gramin Bank have a specific mandate to provide credit and banking facilities to small and marginal farmers, agricultural laborers, artisans, and small entrepreneurs in rural areas. The bank focuses on agricultural financing, rural development, and financial inclusion while also serving semi-urban areas and operating as a full-service commercial bank for its customers.

Chhattisgarh Gramin Bank

in India 🇮🇳

Crypto-Friendliness

All done!

About Chhattisgarh Gramin Bank in India

Chhatt­isgarh Gramin Bank