***Dear Customers,We in KVG Bank never ask for details like Card Number, Pin Number, Account Number, Date of Birth or any other details over phone or in person. Antisocial elements are trying to elicit information in the name of the Bank or Bank Officials. Hence, we request our esteemed customers not to give any details of their Account, Debit Card orCredit Card. - By Order Branch Manager.***



Dear Readers,

Karnataka Vikas Grameena Bank was established on 12th Sept 2005, by a Govt. of India Notification, Amalgamating four Regional Rural Banks sponsored by Syndicate Bank in the state of Karnataka. The amalgamated erstwhile Grameena Banks are Bijapur Grameena Bank, Malaprabha Grameena Bank, Netravati Grameena Bank and Varada Grameena Bank.   For operational convenience, bank has set up TEN Regional Offices at Bagalkot, Belgaum, Bijapur (Vijayapur), Chikkodi, Dakshin Kannada, Dharwad, Gadag, Haveri, Mangaluru, Kumta (Uttar Kannada) and Gokak. Bank is operating in almost 1/3rd  of geographical area of Karnataka state consisting of 6 districts of northern Karnataka and 3 districts of coastal Karnataka. The 6 northern districts are Bagalkot, Belagavi, Bijapur (Vijayapur), Dharwad, Gadag and 3 coastal districts are Mangaluru, Udupi and Uttar Kannada.  KVGB is catering to the financial and banking needs of more than 65 lakh customers in 2033 villages through 617 Branch network. Apart from the above branch network, we are serving the villages through 92 Ultra Small Branches,528 Business Correspondents (Bank Mitras)and 86 Bank Sakis which is a new concept introduced first in the state of Karnataka. Bank is having over 3000 committed and dedicated work force, who are striving hard to take the Bank to greater heights year after year.

The  a total business of the Bank has crossed Rs. 22,000 Crore  as on 31.12.2016 with Deposits level of Rs. 12,500 Crores  and Advances crossing Rs. 9,500 Crores. KVGB has earned a net profit Rs. 109.04 Crore as on 31.3.2016 which is highest among the RRBs in the State. The   reserves of the Bank stood at Rs. 1413.35 Crores as on 31st March 2016.

This is the age of Information Technology. Entire banking sphere is driven by technology. Hence our bank is providing Core Bank solutions plat form at par with nationalized/Private Banks.   Transforming India to Cashless/less Cash Economy is one of the integral strategies of the Government of India. In order to supplement the digitalization and Cashless/less Cash transactions, Bank has developed its own mobile application which is very user friendly and the users have rated the app at 4.3 on the scale of 5.0. The Bank is in forefront in implementing all the available modern technologies. Of the 617 branches, 468 branches are in rural areas only. The bank is effectively participating in DBT/DBTL for direct benefit transfers of Govt. subsidies. The Bank is providing services of NEFT/RTGS/ATM facility, e-KYC etc., apart from implementing IMPS through mobile banking channel. 83 ATMs, 620 Micro ATMs (528 BCs and 86 Bank Sakis) are functioning. Bank has introduced mobile ATMs to reach out remotest villages which are unique of its kind. Two Mobile ATM Vans are providing services at present.

In line with Central government initiatives, the bank has already fully digitalized 13 villages and planning to add another 100 villages before end of this fiscal. Aadhaar enabled Payment system with 100% interoperability at all BC locations is implemented. “ON US” RuPay Card transactions are live at all BC locations and OFF US transaction is in offing. The Bank has already obtained license from RBI for “Internet Banking” launched full pledged Net banking facility including NEFT facility.

The Bank has effectively implemented the Comprehensive Financial Inclusion under mission mode. 528 Business Correspondents (Bank Mitras) and 86 Bank Sakis are offering their doorstep services to the customers of villages.  Bank has established 10 Financial Literacy Centres and conducting the intensive literacy camps in the villages.

The Reserve Bank of India has permitted Banks to engage authorized functionaries of well-run Self Help Groups (SHGs) which are linked to Banks as BCs.  Banks has engaged 86 such Bank Sakis and is working at present. Bank has planned to increase them to 150 before 31st March 2017. This is first of its kind in the State and has been appreciated by RBI/NABARD and SLBC.

The Bank is focusing on the tenet of “Savings for Development” along with the idea of “Progress through Loan”. My earnest request is to invest your savings in our Bank which will help to develop the Region.

Assuring you, the best of our services, I welcome you to our website to know more about us. Your valuable suggestions for improving our services are always welcome.


(S Ravindran)