Chairman's Message       Hindi Version

Message From Chairman



Dear Visitor


Thanks for visiting our website


JHARKHAND RAJYA GRAMIN BANK is proud to be an innovative and progressive Regional Rural Bank committed to become “Bank of first choice” for people of Jharkhand. We aspire to act responsibly with compassion, to lend the strength of enduring partnership to the growth and development of Jharkhand.


At all 446 branches of JHARKHAND RAJYA GRAMIN BANK, we whole heartedly cater to your individual needs with our products and services delivered by our genuinely friendly staff members. We take pride in the fact that no other Bank in the state has got the ample recognition and overwhelming affection of people of Jharkhand in a short span of 04 (Four) years.


Although we are serving the people of Jharkhand since eighties of the last century through erstwhile Jharkhand Gramin Bank and erstwhile Vananchal Gramin Bank which were subsequently amalgamated in terms of Gazette Notification No. 454 of MOF, DFS,(GoI) dated 31.01.2019 and a new entity JHARKHAND RAJYA GRAMIN BANK came into existence w.e.f 1st April 2019 which is owned by Government of India, the largest Bank of the country “State Bank of India” and “Government of Jharkhand” with shareholdings in the ratio of 50:35:15 respectively.


With 446 Branches spread across all 24 districts of Jharkhand, we are the 3rd largest Bank in terms of Branch network behind State Bank of India and Bank of India while we are the market leader in BC operations having 1,604 CSPs strong BC network with penetration and presence in all the Gram Panchayats in the state. Our Bank is having a strong customer base of 70.00 Lakh which means 22% of population of Jharkhand is banking with us.


In a short span of four years, we have made all-out efforts to excel in every sphere of Banking Business in the state. JRG BANK has been pioneer in the country in the undernoted spheres:


(i) Appointing SHG members as BC,

 (ii) Appointing Bank Sakhis, having financial know-how as Financial Literacy Counsellors,

 (iii) Implementation of Fraud Risk Management Solution (FRM Solution),

 (iv) On boarding of CTS Solution on Mobile: JRG BANK is the first bank to onboard 100% of its branches on CTS clearing through Mobile CTS Solution.

 (v) Cloud based Core Banking Solution (CBS):  JRG BANK became first RRB to migrate CBS to cloud based technology

(vi) Mobile Banking

(vii) Internet Banking

(viii) Digital Account Opening

(ix) WhatsApp Banking

We whole heartedly participated in PMJJBY, PMSBY & APY, a flagship Social Security Programme of Government of India. We were ranked all India No. 1 in APY enrollment and were declared winners of all APY Campaigns launched by PFRDA.


To increase other income, our Branches sourced substantial insurance business of SBI Life & SBI General. During FY 2022-23, JRG Bank achieved more than 100 % target under both types of Cross Selling business.


The salient features of financials of Jharkhand Rajya Gramin Bank (JRG BANK) as on 31st March 2023 are as under:


(i) Total Deposit of the Bank stood at Rs. 9,537.40 Crore as on 31.03.2023 against Rs. 8815.69 Crore as on March 2022, registering a YoY growth of 8.19 %.

 (ii) Total Low Cost Deposit (Current Account + Savings Bank Account) of the Bank stood at Rs. 6515.76 Crore (68.32 % of total deposit) as against 5848.81 Crore as on March 2022 registering a YoY growth of 11.40 %.

 (iii) Advances outstanding stood at Rs.4898.45 Cr as on 31.03.2023 as against Rs. 4006.78 Cr as on March 2022, registering a YoY growth of 22.25 %.

 (iv) Total Business of the Bank stood at Rs. 14435.85 Crore as on 31.03.2023 against an outstanding balance of Rs.12822.47 Cr as on March 2022, registering a growth of 12.58 %.

 (v) CD Ratio stood at 51.36 % as on 31.03.2023 against 45.45 % as on March 2022, registering a growth of 591 bps.

 (vi) Operating Profit stood at Rs. 356.74 Cr as on 31.03.2023 against Rs. 328.36 Cr as on March 2022, registering a YoY growth of 8.64 %.

 (vii) Gross NPA of the Bank as on 31.03.2023 stood at 4.80 %, registering a decline of 162 bps from March 2022.

 (vii) Provision Coverage Ratio (PCR) as on 31.03.2023: 75.89 %

 (viii) Capital Adequacy Ratio (CRAR) as on 31.03.2023: 11.31 %

 (ix) Return on Asset (ROA) as on 31.03.2023              : 1.03 %

 (x) New Account Opened (FY 2022-23)      : 409579


To make Rural Women financially empowered, we, with the help of JSLPS and NABARD, have undertaken SHG Credit linkage in a big way. With financial assistance from NABARD, our FLCs in all the 24 districts, have conducted Financial Literacy Camps during FY 2022-23 to spread financial literacy among rural masses.


Excellence in customer service with a local feel is our specialty. Please visit your nearest Bank Branch and give us an opportunity to serve you better. In case of any suggestion, please feel free to drop a mail "ho@jrgb.in" or contact our Head Office Team located at Ranchi. We assure you of the best possible services all the times.



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0651- 2210095