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Profile

Introduction:

Uttarakhand Gramin Bank, sponsored by the State Bank of India established under the RRBs Act 1976, came into existence on 1st Nov. 2012, after the amalgamation of the 2 RRBs viz. Uttaranchal Gramin Bank, Dehradun (Sponsored by SBI)  & Nainital Almora Kshetriya Gramin Bank, Haldwani (Sponsored by Bank of Baroda) in Uttarakhand state.
 

1. Name of the Bank : Uttarakhand Gramin Bank.
2. Head Office : 18, New Road Dehradun (Uttarakhand).

3. Date of     Establishment:

01 Nov 2012
4. No. Of Regional   Offices:  4  (i) Dehradun  (ii) Pauri Garhwal  (iii)    Pithoragarh     (iv) Haldwani  
5. No. of Branches : 286
6. Other offices : Satellite Offices -11 : Extension Counters -2
7. Districts Allotted : All 13 districts of Uttarakhand.

 

Uttarakhand Gramin Bank is the Bank having second largest network of branches in Uttarakhand state after State Bank of India.

                  

Other Particulars-

i) Branch Expansion

Sr. No. Category Number of Branches
1. Urban 14
2. Semi Urban 34
3. Rural 238
  Total 286



 

Sr. Name of Districts No. of branches
UNDER REGIONAL OFFICE-I, DEHRADUN 86
1 DEHRADUN 44
2 TEHRI 20
3 UTTARKASHI 07
4 HARIDWAR 15
UNDER REGIONAL OFFICE-II, PAURI 62
5 PAURI 41
6 CHAMOLI 13
7 RUDRAPRAYAG 08
UNDER REGIONAL OFFICE-III, PITHORAGARH 38
8 PITHORAGARH 30
9 CHAMPAWAT 08

UNDER REGIONAL OFFICE-IV,HALDWANI                                  

100
10 ALMORA 30
11 BAGESHWAR 13
12 NAINITAL 37
13 UDHAM SINGH NAGAR 20

(ii) STAFF:

A. Officers On Deputation from Sponsor Bank:

i) Chairman 01
ii) General Manager: 02
iii) Other Officers:
    "a")SMGS-V
1
    "b")SMGS-IV 2
    "C") MMGS-II 2
Total: 8

B. RRB Staff

S.No. Category Total No.
1. Supervising - Total  
  a) Officer Scale-IV 06
  a) Officer Scale-III                 71
  b) Officer Scale-II 176
  c) Officer Scale-I 257
2. Office Assistants 335
3. Subordinate 53
Total 898

C. Officers on deputation from other Banks:

Under Inter Bank Deployment of RRB Officers: NIL

D. Officers deputed to other RRBs:

NIL

[iii] Business performance

(Rs. in lacs)

Item Actual
March '13
Actual
March' 14

Actual 

March '15

a) Deposits 222779.20 272872.80 314262.20
b) Advances 124277.91 151525.96 175327.28
i) Priority Sector 101220.78 118576.93 135272.75
ii) %age of Priority Sector to Total 81.45 % 78.26 % 77.15%
c) CD Ratio (%) 55.79 % 55.53 % 55.79%
d) Profit i) Before Tax 2587.98 1592.93 690.46
ii) After Tax 1824.49 1129.58 265.24
e) Total Business 347057.11 424398.76
489589.5
f) Busi. Per Branch 1464.38 1632.30 1711.85
g) NPAs i) Absolute 8220.55 7327.82 11569.28
ii) NPAs (%) 6.61 % 4.84 % 6.60%
h) KCCs issued (During the period) 8660 7340 6238
i) SHGs Formed (During the period) 1592 1511 1575
j) SHGs Linked (During the period) 885 960 800
l) CBS Branches 237 260 286

(iv) ANNUAL CREDIT PLAN ACHIEVEMENT:

(Rs. in lacs)

Target 2014-15 Achievement 2014-15
Amount Amount %
91165.00 74248.00 81.44 %

(v) INVESTMENTS

(Rs. in lacs)

Sr.No. Particulars Amount As on 31.03.15
1. SLR- Govt. Securities 63044.43
2. i) Non SLR - Mutual Fund  14184.34
ii) Debentures & Bonds 1649.83
iii) FDs with SCBs- Total 402.00
  Total -NON SLR 6234.16
  Total Investments 69280.59

(vi) GOVT. INITIATIVE ON AGRICULTURE

i) Financing of Agriculture

(Rs. in lacs)

Particulars 2014-15
1. Agriculture Disb. 28653.91
2. Agriculture Outstanding 44050.10
3. % of Agri. to Total 25.12%

ii) NEW FARMERS ACCOUNTS OPENED

(Rs. in lacs)

Position as on March 15   New farmers financed 2014- 2015
                   13031

(vii) Inspection Rating of Branches:

  31.03.15    
1. Excellent/ A+ 87    
2. Good /B 162    
3. Satisfactory/ C 11    
4. UnSatisfactory -    
5.New branches not audited 26    
Total (Branches) 286    

(viii). C.D. Ratio ASCB (All Sch. Comm. Banks) vis a vis Uttarakhand Gramin Bank:(31.03.2015)

Sr.No. District CD Ratio
of ASCB
CD Ratio
of UGB
1. Uttarkashi 41.39 % 83.58%
2. Dehradun 34.63 % 54.27 %
3. Haridwar 68.22 % 138.16 %
4. Tehri 85.58 % 67.00%
5. Pauri 64.91 % 43.60 %
6. Chamoli 81.35 % 56.11 %
7. Rudra Prayag 32.46 % 58.60 %
8. Pithoragarh 34.88 % 50.33 %
9. Champawat 28.77 % 49.75 %
10. Almora 27.39 % 29.25%
11. Bageshwar 53.47 % 44.81 %
12. Nainital 49.30 % 57.23 %
13. Udham Singh Nagar 110.68 % 111.51 %

HIGHLIGHTS OF PERFORMANCE DURING 01.04.2014 TO 31.03.2015:

  • Establishment of R-Seti at Pithoragarh with the help of NABARD & DRDA.
  • 100% branches migrated to Core Banking Solution (CBS).
  • Advance Technology with ATM, NEFT, SMS Alert, Internet Banking etc.
  • Establishment of "UGB Art Gallery" at Head Office, Dehradun.
  • 26 New branches opened during 2014-15. Covered all allotted villages under Financial Inclusion.
  • Tie-up arrangement with SBI Life Insurance Co. Ltd. 7 MDRT in a  year.
  • Tie-up arrangement with National Insurance Company Ltd.
  • Tie-up arrangement with SBI Mutual Fund for marketing of Mutual Funds.
  • Tie-up arrangement with M/s Force Motors for financing of vehicles.
  • Tie-up arrangement with M/s International Tractors for financing of Tractors.
  • Tie-up arrangement with M/s Honda Motors for financing of two wheelers.
  • Gramin Pay Order facility launched with the assistance of Sponsor Bank.
  • Recruitment of 131 Office Assistants and 39 Officers.
  • NRE/NRO Accounts & Western Union Money Transfer facility launched.
  • PAN Card issuance facility available.
  • regular publication of in-house magazine "Gangotri".