Kerala Gramin Bank (KGB) is a Regional Rural Bank (RRB) formed on 08.07.2013, under the Sub-Section (1) of Section 3 of the RRB Act 1976 (27 of 1976). The bank was formed by amalgamating the two RRBs of Kerala namely South Malabar Gramin Bank and North Malabar Gramin Bank through a notification by the government of India. The head office of Kerala Gramin Bank is at Malappuram and the sponsor bank is Canara Bank. Kerala Gramin Bank is the largest Regional Rural Bank in the country with a total business of above 20,000 Crore and a network of 565 branches spread all over Kerala. The Bank has a well dedicated team of 3400 odd staff members. It is having dominant presence in all the 14 districts of Kerala State and is the only RRB in the State.

The share capital of the bank is 2 Crore contributed by the Central Government, State Government and Sponsor Bank in the ratio 50:15:35 respectively. As on 08.07.2013 Bank’s total Deposits stood at 7306 Crores and total advance at 7707 Crore.

The main focus of the bank is to initiate appropriate intervention for overall economic upliftment of the people of Kerala by giving financial assistance to the sectors like Agriculture, Micro, Small and Medium Enterprises, education, housing, micro-credit, weaker sections, SC/ST communities etc.

KGB has carved a niche for itself through its 38 year old history of dedicated and customized service to the clientele by its predecessor RRBs. With 565 branches as on 31.03.2015, it is the third largest bank in Kerala in terms of branch network. Further, its CD ratio is the highest among major banks of Kerala. KGB leads other Banks in the state in the number of persons assisted under Kisan Credit Card (KCC) and SME (Priority) schemes.

For the past 38 years the predecessor RRBs of the bank have succeeded in building warm relationship with its customers. Now KGB’s objective is to intensify this relationship further and thus emerge as a strong, vibrant and socially committed ‘Kerala’s Own Bank’.