Jammu and Kashmir Grameen Bank

Jammu and Kashmir Grameen Bank (JKGB) is a Regional Rural Bank (RRB) operating in the Union Territories of Jammu & Kashmir and Ladakh. Established on May 1, 2025, through the amalgamation of J&K Grameen Bank and Ellaquai Dehati Bank, it represents the implementation of the Government of India's "One State, One RRB" policy. The bank operates 330 branches across both union territories, serving rural and semi-urban communities.

JKGB is sponsored by Jammu & Kashmir Bank and has a shareholding structure of 50% Government of India, 35% sponsor bank (J&K Bank), and 15% Government of Jammu & Kashmir (Union Territory). The bank functions under the Regional Rural Banks Act, 1976, with its headquarters in Jammu.