The total business of Kerala Gramin Bank (KGB) reached ₹54,988 crore in the last financial year, marking a major milestone for the bank. It is particularly noteworthy that both deposits and advances have continued to grow steadily, reflecting consistent performance and customer trust.
Kerala Gramin Bank currently operates over 635 branches and 12 regional offices across the state. This network has allowed us to reach almost every part of Kerala. Our focus now is on strengthening digital banking to bring services directly to customers’ doorsteps.
In the 2025–26 financial year, we plan to open new branches in areas that still lack access to formal banking. Alongside this, we are conducting outreach programmes to expand our reach.
As part of these efforts, social security camps are being organised in collaboration with NGOs and self-help groups, and digital marketing initiatives are being enhanced to connect better with the younger generation.
The bank provides a range of schemes to support MSMEs and entrepreneurs, including the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE). Kerala Gramin Bank is also actively involved in the Mudra Yojana and Stand-Up India schemes, aimed at encouraging new-generation entrepreneurs.
Among the bank’s own initiatives, the KGB Udyamshri Scheme, KGB Mahila Samriddhi, term loans under the CGTMSE Scheme, GST return-based MSME schemes, and the KGB Contractor Scheme are particularly popular, offering flexible financial solutions tailored to different business needs.
The bank aims to achieve a total business of ₹1,00,000 crore within the next two years, strengthening its position as a leading regional bank committed to inclusive growth and financial outreach across Kerala.
Yes, Kerala Gramin Bank offers special loan schemes for agro-based production units, value-added food industries, and tourism-related ventures, including home stays and eco-tourism projects. These sectors hold significant growth potential in Kerala and contribute greatly to employment generation across the state.
Our key strength lies in our deep presence across rural and semi-urban Kerala and the personalised service we offer to every customer. We have a strong understanding of the local economy and maintain close connections with communities across the state. This helps us deliver banking solutions through simplified procedures that suit regional needs.
At the same time, we have embraced technology to enhance accessibility. Through our digital platform KGB Infi, customers can access internet banking, mobile banking, and UPI services in one place. We also provide the DG KGB selfie/mobile passbook app, debit cards, QR code facilities, BBPS, a DG KGB Malayalam calendar app, and options for online account opening and instant loan applications — ensuring both convenience and inclusivity under one digital roof.
We regularly conduct social security, financial literacy, and digital awareness camps to help people understand and access modern banking services. Our employees are trained to guide customers in using facilities such as mobile and internet banking, ensuring that digital services are delivered in a simple and accessible way, even in the most remote parts of the state.
Kerala Gramin Bank is, in every sense, a true Kerala bank — deeply connected to the local community and built on the trust of its people. As a regional rural bank, we combine a community-focused approach with modern banking services. Our interest rates are competitive, our documentation process is simple, and our service is personal and dedicated, all aimed at ensuring the financial well-being of our customers.
Kerala Gramin Bank plays an active role in supporting entrepreneurs in rural and semi-urban areas and has expanded its services to the MSME sector. We are also working to empower self-help groups (SHGs) and promote a sustainable agricultural development agenda. By providing a wide range of financial services and credit support, KGB aims to be a key partner in Kerala’s overall economic and social development.
Kerala Gramin Bank offers MSME loans to enterprises that show strong performance and market potential. Whether in manufacturing, services, trading, tourism, or value-added agricultural products, eligible businesses can access financial support. The bank ensures that these loans are processed quickly, enabling entrepreneurs to focus on growth and expansion.
Yes, certainly. Kerala Gramin Bank is focusing on expanding its range of retail loans, including housing, auto, education, and personal loans. We aim to offer highly competitive interest rates along with quick loan disbursal. To ensure faster processing, an exclusive loan cell has been set up in all our regional offices to handle retail loan applications efficiently.
