Profile

Introduction:

Uttaranchal Gramin Bank, sponsored by the State Bank of India established under the RRBs Act 1976, came into existence on 30th June 2006, after the amalgamation of the 3 RRBs viz. Ganga Yamuna Gramin Bank Dehradun, Alaknanda Gramin Bank Pauri & Pithoragarh Kshetriya Gramin Bank Pithoragarh, sponsored by SBI in Uttarakhand state.

1. Name of the Bank :	Uttaranchal Gramin Bank.
2. Head Office :	18, New Road Dehradun (Uttarakhand).
3. Date of Establishment:	30 June, 2006.
4. No. Of Regional Offices :	3 i) Dehradun ii) Pauri Garhwal iii) Pithoragarh
5. No. of Branches :	125
6. Other offices :	Satellite Offices-11 : Extension Counters-2
7. Districts Allotted :	9, out of 13 districts of Uttarakhand.
8. Other RRBs in the State:	Nainital Almora Kshetriya Gramin Bank, Haldwani (Sponsored by Bank of Baroda).

Uttaranchal Gramin Bank is the Bank having third largest network of branches in Uttarakhand state after State Bank of India and Punjab National Bank.

Other Particulars-

i) Branch Expansion

Sr. No.	Category	Number of Branches
1.	Urban	5
2.	Semi Urban	24
3.	Rural	96
	Total	125

Sr.	Name of Districts	No. of branches	Computerised	CBS
UNDER REGIONAL OFFICE-I, DEHRADUN		47	47	47
1	DEHRADUN	19	19	19
2	TEHRI	19	19	19
3	UTTARKASHI	03	03	03
4	HARIDWAR	06	06	06
UNDER REGIONAL OFFICE-II, PAURI		51	51	51
5	PAURI	34	34	34
6	CHAMOLI	11	11	11
7	RUDRAPRAYAG	6	6	6
UNDER REGIONAL OFFICE-III, PITHORAGARH		27	27	27
8	PITHORAGARH	21	21	21
9	CHAMPAWAT	06	06	06
Total Allotted Districts: 09		125	125	125

(ii) STAFF:

A. Officers On Deputation from Sponsor Bank:

i) Chairman.	01
ii) General Manager:	02
iii) Other Officers:     'a')SMGS-IV	01
'b')MMGS-III	03
Total:	07

B. RRB Staff

S.No.	Category	Total No.
1.	Supervising - Total	196
	a) Officer Scale-II	99
	b) Officer Scale-I	97
2.	Clerk	199
3.	Subordinate	111
Total		506

C. Officers on deputation from other Banks:

Under Inter Bank Deployment of RRB Officers: From Parvatiya Gramin Bank- 01

D. Officers deputed to other RRBs:

NIL

[iii] Business performance

(Rs. in lacs)

Item	Actual Mar. 06	Actual Mar'07	Actual Mar. 08	Actual Mar'09
a) Deposits	45702.31	53566.09	60358.47	71853.75
b) Advances	14977.03	17372.70	23773.93	39240.41
i) Priority Sector	11938.19	13331.63	19002.06	32613.61
ii) %age of Priority Sector to Total	79.71	76.74	79.93	83.11
c) CD Ratio (%)	32.52	32.43	39.39	54.61
d) Profit i) Before Tax	171.88	487.95	886.99	1271.90
ii) After Tax	171.88	433.95	599.71	869.73
e) Total Business	60679.34	70938.79	84132.40	111094.16
f) Busi. Per Branch	551.63	662.98	706.99	918.13
g) NPAs i) Absolute	825.57	946.80	1500.97	1668.03
ii) NPAs (%)	5.51	5.45	6.31	4.25
h) KCCs issued (During the period)	2585	7805	5018	10601
i) SHGs Formed (During the period)	375	413	633	803
j) SHGs Linked (During the period)	505	451	506	631
k) No Frill A/Cs	-	16024	29200	24711
l) Computerised Branches	25	41	54	121

(iv) ANNUAL CREDIT PLAN ACHIEVEMENT:

(Rs. in lacs)

Achievement 07-08		Target 08-09	Achievement as on 31.03.2009
Amount	% age	Amount	Amount	% age
13397.66	122.10%	14554.79	24425.30	167.82%

(v) INVESTMENTS

(Rs. in lacs)

Sr.No.	Particulars	Amount As on 31.03.2009
1.	SLR- Govt. Securities	16759.67
2. i)	Non SLR - Mutual Fund	1418.96
ii)	Debentures & Bonds	1249.92
iii)	FDs with SCBs- Total	18063.52
a)	State Bank of India	14560.00
b)	Punjab National Bank	150.00
c)	UCO Bank	1000.00
d)	SBI Comm. & Int. Bank	2353.52
	Total -NON SLR	20732.40
	Total Investments	37492.07

(vi) GOVT. INITIATIVE ON AGRICULTURE

i) Doubling of Agriculture

(Rs. in lacs)

Particulars	2004-05	2005-06	2006-07	2007-08	2008-09
1. Agriculture Disb.	1664.17	1781.53	2284.83	3069.62	4677.81
2. Agriculture Outstanding	2740.81	3322.48	4153.28	5180.46	7227.80
3. % of Agri. to Total	21.96	22.18	23.91	21.21	18.42

ii) NEW FARMERS ACCOUNTS OPENED

(Rs. in lacs)

Position as on March 2008	Target 2008-2009	New farmers financed 2008- 2009
11264	17850	17015

(vii) Inspection Rating of Branches:

Sr. No.	As on 31.03.06	31.03.07	31.03.08	31.03.09
1. Excellent/ A+	39	40	45	37
2. Good /A	54	57	49	73
3. Satisfactory/ B	14	10	13	09
4. Not Satisfactory/ B-	1	-	-	--
Total	108	107	107	119

(viii). C.D. Ratio ASCB vis a vis Uttaranchal Gramin Bank:

Sr.No.	District	CD Ratio of ASCB	CD Ratio of RRB
1.	Uttarkashi	32	60.62
2.	Dehradun	30	75.45
3.	Hardwar	54	197.15
4.	Tehri	22	43.74
5.	Pauri	25	40.73
6.	Chamoli	27	47.24
7.	Rudra Prayag	31	75.75
8.	Pithoragarh	34	58.80
9.	Champawat	25	34.28

HIGHLIGHTS OF PERFORMANCE DURING 01.07.2008 TO 31.03.2009:

• One specialised “Women Branch” opened.
• Establishment of “UGB Art Gallery” at Head Office, which proved to be the best mode for publicity / goodwill.
• Tie-up arrangement with SBI Life Insurance Co. Ltd.
• 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 34 Officers and 29 Clerks.
• Promotion of 44 Officers from Scale I to II and 34 Clerks to Officer Scale I.
• Accidental insurance of Rs. 1,00,000 to the SB account holders launched.