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 | |
| ii) General Manager : | 3 |
| iii) Other Officers : | |
| a)SMGS-V : | 1 |
| b)SMGS-IV : | 1 |
| Total : | 6 |
B. UGB Staff
| S.No. | Category | Total No. |
|---|---|---|
| 1. | Supervising - Total | |
| a) Officer Scale-IV | 09 | |
| b) Officer Scale-III | 78 | |
| c) Officer Scale-II | 192 | |
| d) Officer Scale-I | 285 | |
| 2. | Office Assistants | 366 |
| 3. | Subordinate | 47 |
| Total | 977 | |
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 '15 |
Actual March' 16 |
Actual March '17 |
|
|---|---|---|---|---|
| a) Deposits | 314262.20 | 335005.12 | 413025.38 | |
| b) Advances | 175327.28 | 194559.22 | 198155.06 | |
| i) Priority Sector | 135272.75 | 146003.42 | 142712.48 | |
| ii) %age of Priority Sector to Total | 77.15 % | 75.04 % | 72.02 % | |
| c) CD Ratio (%) | 55.79 % | 58.08 % | 47.98 % | |
| d) Profit i) Before Tax | 690.46 | 148.08 | 462.44 | |
| ii) After Tax | 265.24 | 128.69 | 384.37 | |
| e) Total Business | 489589.5 | 489598.18 |
|
|
| f) Busi. Per Branch | 1711.85 | 1711.88 | 2136.99 | |
| g) NPAs i) Absolute | 11569.28 | 19757.21 | 19553.76 | |
| ii) NPAs (%) | 6.60 % | 10.15 % | 9.87 % | |
| h) KCCs issued (During the period) | 6238 | 5517 | 2589 | |
| i) SHGs Formed (During the period) | 1575 | 2281 | 2062 | |
| j) SHGs Linked (During the period) | 800 | 1064 | 341 | |
| l) CBS Branches | 286 | 286 | 286 |
(iv) ANNUAL CREDIT PLAN ACHIEVEMENT:
(Rs. in lacs)
| Target 2016-17 | Achievement 2016-17 | |
|---|---|---|
| Amount | Amount | % |
| 121737.00 | 67688.95 | 56.00 % |
(v) INVESTMENTS
(Rs. in lacs)
| Sr.No. | Particulars | Amount As on 31.03.17 |
|---|---|---|
| 1. | SLR- Govt. Securities | 161380.63 |
| 2. i) | Non SLR - | |
| i) | Mutual funds | 1580.31 |
| ii) | Debentures & Bonds | 4307.20 |
| iii) | Other Securities | 2676.46 |
| iv) | FDs with SCBs- Total | 69428.43 |
| Total -NON SLR | 77952.4 | |
| Total Investments | 239333.03 |
(vi) GOVT. INITIATIVE ON AGRICULTURE
i) Financing of Agriculture
(Rs. in lacs)
| Particulars | 2016-17 |
|---|---|
| 1. Agriculture Disb. | 23888.90 |
| 2. Agriculture Outstanding | 42951.70 |
| 3. % of Agri. to Total | 21.67 % |
ii) NEW FARMERS ACCOUNTS OPENED
(Rs. in lacs)
| Position as on March 17 | New farmers financed 2016- 2017 | |
|---|---|---|
| 10491 |
(vii) Inspection Rating of Branches:
| 31.03.17 | |||
|---|---|---|---|
| 1. Excellent/ A+ | 104 | ||
| 2. Good /B | 157 | ||
| 3. Satisfactory/ C | 25 | ||
| 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:(31.03.2017)
| Sr.No. | District | CD Ratio of ASCB |
CD Ratio of UGB |
|---|---|---|---|
| 1. | Uttarkashi | 47 % | 107.24 % |
| 2. | Dehradun | 42 % | 51.23 % |
| 3. | Haridwar | 65 % | 98.87 % |
| 4. | Tehri | 46 % | 47.69 % |
| 5. | Pauri | 24 % | 35.44 % |
| 6. | Chamoli | 29 % | 42.16 % |
| 7. | Rudra Prayag | 26 % | 49.23 % |
| 8. | Pithoragarh | 37 % | 45.76 % |
| 9. | Champawat | 31 % | 35.47 % |
| 10. | Almora | 20 % | 23.31 % |
| 11. | Bageshwar | 23 % | 33.73 % |
| 12. | Nainital | 45 % | 51.28 % |
| 13. | Udham Singh Nagar | 122 % | 120.59 % |
HIGHLIGHTS OF PERFORMANCE DURING 01.04.2016 TO 31.03.2017:
- 100% branches are in Core Banking Solution (CBS).
- Advance Technology with ATM, NEFT, SMS Alert, Internet Banking etc.
- 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.
- 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".