***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.***

Latest News

Corporate Theme FY 2017-18




For installation of the Modular Kitchen.


All women customers who have independent income with minimum of Rs.2.00 lakhs and above p.a. OR jointly with her spouse if they do not have independent incomes. Customers who have availed housing loan with other financial institutions also eligible subject to the regularity of the said accounts.


Loan component shall be Minimum of Rs.1.00 lakhs and Maximum of Rs.2.00 lakhs.

Rate of Interest

10.00% irrespective of the limit.
Customers may contact Home Branch for more details.

Financial Inclusion

Bank has implemented the Comprehensive Financial Inclusion under Mission Mode as per GOI/MOF/DFS letter No. 1.9.2014 dtd 04.07.2014 and created 857 Sub Service Area to cover 2033 villages both under >2000 & < 2000 population. Out of 857 SSA, 329 SSAs were covered through existing Bank Branches and remaining 528 SSAs through the services of Business Correspondents. INTEGRA and GENPACT India are the Technology Service Provider and they are providing BC services such as appointing BCs, providing Hand Held Machines (HHM), training the BCs and monitoring their transactions. At present, Business Correspondents are working in all 528 SSAs.

  • Base branch Managers are visiting the BC location once in a week to monitor and guide the BC to increase both number and volume of transactions
  • The Chairman, General Managers and Regional Managers are visiting the FI Villages and motivating the staff and BCs to involve in the  implementation of  Financial Inclusion Plan and achieve inclusive growth  as per the guidelines issued by DFS:MOF:GOI.
  • Strengthened the system of reviewing and monitoring at RO and HO.
  • Average BC transactions per day is from 20-22
  • Aadhaar Enabled Payment system with 100% interoperability in all BC locations is implemented.
  • “ON US” RuPay Card transactions are live at all BC locations and OFF US transactions is in offing.

Bank has sponsored 10 Financial Literacy Centres. They are working at Yallapur, Mundagod, Kalaghatagi, Savanur, Bailahongal, Chikkodi, Shirahatti (Gadag), Mudhol, Sindagi and Muddebihal. Jnana Jyothi Financial Literacy and Credit Counselling Trust, Manipal is monitoring the functioning of all 10 FLCs.

Bank has actively participated in implementation of Social Security Schemes like, Pradhan Mantri Jeevan Jyothi Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Atal pension Yojana( APY)

Bank Saki Model:

In order to extend the services of Business Correspondents to each and every branch, Bank has decided to appoint Bank Saki as a business correspondent. Under this model, a member of SHG, preferably a married woman, is identified to work as a Bank Saki, and provides them with adequate training. KVGB is the first bank in Karnataka, who has introduced this model and has already engaged 85 Bank Sakis. The Bank has also planned to increase the Bank Sakis to 150 before 31st March 2017.


KARNATAKA VIKAS GRAMEENA BANK has started ATM on wheels since 2015. As a step towards value addition to the customers’ service, our Bank has introduced  TWO Mobile ATM  Van Services. The Mobile ATM literally stands in-front of the doorsteps of the rural people of remote villages. This is another step towards taking use of technology to reach the unreached in financial inclusion.  The Mobile ATM will be stationed in notified places of villages for fixed hours on regular basis. Our Bank is not only making access to the much needed cash to the customers at their doorsteps but also extending health services also. The ATM van that carries ATM machine will also have a Medical Doctor too in the van to provide health services to the rural mass at their doorsteps. In addition to the regular visits to villages, the Mobile ATM will also be stationed as per the convenience of the customers at Big Complexes, Community events, Fairs & Festivals, Concerts & sport events etc., Cross selling of Bank products is also being done during the ATM visits to villages. The Van is also equipped with wide television screen which is used to educate villagers on Financial Literacy, Bank products, Swatch Bharat etc.

  • The banking technology has been extended to the remote corner of the village that are usually deprived of the facility.
  • RuPay cards distribution and Activisation has been done at the village level (more particularly PMJDY) and villagers have got benefit of Personal Accident insurance coverage.
  • Since the vehicle is moving in the rout as per schedule, villagers are using the facility often and the savings habit is also improved.
  • A service of Business Correspondents and Financial Literacy Counsellor is also used during the visit of vehicle to the villages for extending financial literacy.
  • Marketing/cross selling of Bank products /insurance products is also being done during the visit.


After demonetization, many changes are happening in the banking industry and transforming India to Cashless/ less Cash Economy is one of the integral strategies of the Government of India. Already Payment Banks are in operation at rural areas. Therefore, looking into the urgency, Bank has initiated the process of linkage of Aadhaar and mobile number, issuance of RuPay debit and Kisan Credit cards and its activation by organizing the camps on war footing to encourage less cash/Cash less banking. 

Accordingly, groups have been formulated at all Regional Offices and allotted the branches to them for monitoring by visiting and supporting the branches. Each and every branch has been advised to conduct Grama Sabha in their service area villages to create awareness amongst the villagers on Aadhaar/Mobile number seeding to the accounts, issuance and activation of RuPay Cards and downloading mobile app of the Bank. The services of BC are utilized for activation of RuPay Cards and collection of Aadhaar /mobile number for which they have been incentivized. Services of Mobile ATM Van are extensively used in the villagers where the services of BC are not available.  A WhatsApp group is created with Chairman, GMs, CMs at HO, RMs and nodal Officers as members. The progress is being updated in the WhatsApp from time to time so that all will be guided properly.

 Thus, the Bank has taken this task as a challenge and started working for 100% digitalizing in all villages coming under the operation area and took 9 villages( one each in every Region) to complete the process before 26th January 2017 under first phase and in another 100 villages by 31st March 2017.

 The Managing Director and Chief Executive Officer, SyndicateBank, Sri Arun Shrivastava had attended the function and declared KVGB’s first 100% digitalized village at Sherewad in Hubli Taluk on 04.01.2017. So far, 13 Villages have been declared as 100% digitalized villages.

 As per the direction of NABARD, 40 Digital Awareness Programmes (dFLAP) have been conducted spread over 10 Regions to create awareness on digitalization. NABARD has sanctioned fund in principle for each programme. Chairman has attended the programmes at Dharwad and Hubli and wide coverage is given in media.

A team from Digital Desh, New Delhi (connected with Information and Broadcasting Ministry,  GOI, New Delhi) visited Sherewad village  & Head Office on 9.2.2017e and documented the progress of Bank under  digitalization initiations.

 An incentivized campaign was started from January 2017 to activate Mobile App and all 10 Regions and branches have participated actively. 41,000 mobile apps are activated during 45 days campaign and the process is continuing.

 National Information Centre (NIC) contacted the Bank, collected the details and photos of the awareness programme conducted by the Bank on dFLAP and Digitalization and uploaded the same in the PM portal.

 Sri.Eugene E Karthak, The Regional Director, RBI, Bengaluru &  The General Manager, FI & DD, RBI, Bengaluru Sri. N. Gopal has visited and attended a function at Hulasageri village in Badami Taluk of Bagalkot on 18.02.2017 which was already declared as 100% digitalized village, addressed the villagers, collected the details, observed on the BC transactions, Mobile apps activation, Bank Saki model etc.,  and appreciated the Banks initiative on digitalization.

 Bank Saki Model: In order to extend the services of Business Correspondents to each and every branch, Bank has decided to appoint Bank Saki as a business correspondent. Under this model, a member of SHG, preferably a married woman, is identified to work as a Bank Saki, and provides them with adequate training. KVGB is the first bank in Karnataka, who has introduced this model and has already engaged 85 Bank Sakis. The Region-wise Bank Saki engaged is enclosed as per Annexure – II. The Bank has also planned to increase the Bank Sakis to 150 before 31st March 2017.

 The Dept of National Rural Livelihood Mission (NRLM) has collected the details of Bank Saki model introduced by the Bank and appreciated the Banks initiation as it is a unique in the state.


Missed Call Alert : 9278700859

Register your mobile number with your corresponding account number to the Home Bbranch.

Give a missed call to 9278700859 from your registered mobile number to know the balance in your account anywhere anytime for free of cost. 

Mobile Banking

Mobile Banking is introduced in all Branches - Customers can avail this facility by contacting Home Branch.

Terms and Conditions for Mobile Banking Services

Definitions: The following words and expressions shall have the corresponding meanings wherever appropriate.

‘ Account ’, shall mean any account at the Bank which has been registered for use via the Mobile Banking Service.

‘ Customer’ the holder of a Bank account in “Karnataka Vikas Grameena Bank”

MPIN. shall mean the Personal Identification Number (password) for the Mobile Banking Services.

‘MBS’ shall mean Mobile Banking Services for the sake of brevity

‘Bank’ shall mean Karnataka Vikas Grameena Bank or any successor or assign

‘Facility’ shall mean Mobile Banking facility provided to the customers

‘Mobile Phone number’. Shall mean the Mobile number that has been used by the customer to register for the Facility.

‘Application’ shall mean the Bank’s Mobile Banking application which will be downloaded onto the mobile phone of the Customer.

Applicability of Terms and Conditions:

By using the MBS, the Customer thereby agrees to these Terms and Conditions, which form the contract between the Customer and Bank. MBS of the Bank shall be governed by such terms and conditions as amended by the Bank from time to time. These terms and conditions shall be in addition to and not in derogation of other terms and conditions relating to any account of the Customer and/or the respective product or the service provided by the Bank unless otherwise specifically stated.

General Business Rules Governing Mobile Banking Services:

The following Business rules will apply on MBS being offered by the Bank

  1. The facility will be available to customers having a satisfactory running Savings/ Current/Overdraft account with the Bank.
  2. The daily upper ceiling per customer shall be Rs.25,000/ for fund transfer.
  3. Entering the wrong MPIN thrice will block the MBS to the account for the day and two such consecutive blockages will de-activate the customer and the customer should re register for the services as per the procedure laid down for the same.
  4.  Any change in the business rules of any of the processes will be notified on Bank’s website which will be construed as sufficient notice to the customer.
  5. In the case of a joint account where mode of operation is “Either or Survivor” authorized person can use the facility. The transactions in such accounts shall be binding on all the joint account holders, jointly and severally. Accounts where mode of operation is “joint” as also accounts in the name of minor or where minor is a joint account holder are not eligible for MBS.
  6. The Bank reserves the right to reject a Customer’s application for MBS without assigning any reasons.
  7. The Bank shall suspend the registration of any Customer if the facility has not been accessed by the Customer for three months or more. If the facility has not been accessed for six months or more, the registration of the Customer will be cancelled.
  8. The Customer can request for termination of the Facility by visiting the branch and giving a written request. The Customer shall remain accountable for all the transactions on the designated account made request prior to confirmation of any such cancellation request.
  9. It shall be the Bank’s Endeavour to give a reasonable notice for withdrawal or termination of the facility, but the Bank may at its discretion withdraw temporarily or terminate the facility, either wholly or partially, anytime without giving prior notice to the customer. The facility may be suspended for any maintenance or repair work for any breakdown in the Hardware/ Software for MBS, any emergency or security reasons without prior notice and the bank shall not be responsible if such an action has to be taken for reasons of security or emergency.

10. The Bank may also terminate or suspend the services under the Facility without prior notice if the customer has violated the terms and conditions laid down by the Bank or on the death of the Customer when brought to the notice of the Bank.

Usage of Facility:

By accepting the terms and conditions on the mobile phone while registering for the facility, the customer:

  1. Agrees to use the MBS for financial and non-financial transactions offered by the Bank from time to time.
  2. Also irrevocably authorizes the Bank to debit the Bank Accounts which have been enabled for MBS for all transactions/services undertaken using MPIN.
  3. authorizes the Bank to map the account number, User ID and mobile phone number for the smooth operation of MBS offered by Bank and to preserve the mapping record in its own server or server of any other third party and to use such data at its discretion for providing/enhancing further banking/ technology products that it may offer.
  4. agrees that he/ she is aware and accepts that MBS offered by the Bank will enable him/her to transact using MPIN within the limit prescribed by the Bank and will be deemed as bonafide transaction.
  5. Agrees that the transactions originated using the mobile phones are non retractable as these are instantaneous/real time.
  6. Understands and explicitly agrees that Bank has the absolute and unfettered right to revise the prescribed ceilings from time to time which will be binding upon him/her.
  7. Agrees to use the facility on a mobile phone properly and validly registered in his/her name only with the Mobile Service Provider and undertakes to use the Facility only through mobile number which has been used to register for the Facility.
  8. agrees that while the Information Technology Act , 2000 prescribes that a subscriber may authenticate an electronic record by affixing his digital signature which has been given legal recognition under the Act, the Bank is authenticating the customer by using Mobile Number, MPIN or any other method decided at the discretion of the Bank which may not be recognized under the IT Act, 2000 for authentication of electronic records and this is acceptable and binding to the customer and hence the customer is solely responsible for maintenance of the secrecy and confidentiality of the MPIN without any liability to the Bank.

Others :

  1. The Customer shall be required to acquaint himself/herself with the process for using the Facility and that he/she shall be responsible for any error made while using the Facility.
  2. The Bank reserves the right to decide what services may be offered. Additions/ deletions to the services offered under the facility are at its sole discretion.
  3. The instructions of the Customer shall be effected only after authentication under his/her USER ID and MPIN or through any other mode of verification as may be stipulated at the discretion of the Bank.
  4. While it shall be the endeavor of the Bank to carry out the instructions received from the Customers promptly, it shall not be responsible for the delay/ failure in carrying out the instructions due to any reasons whatsoever including failure of operational system or due to any requirement of law. The Customer expressly authorizes the Bank to access his/her account information required for offering the services under the facility and also to share the information regarding his/ her accounts with the service provider/ third party as may be required to provide the services under the Facility.
  5. The transactional details will be recorded by the Bank and these records will be regarded as conclusive proof of the authenticity and accuracy of transactions.
  6. The Customer hereby authorizes the Bank or its agents to send promotional messages including the products of the Bank, greetings or any other messages the Bank may consider from time to time.
  7. The Customer understands that the Bank may send rejection or cannot process the request messages for the service request(s) sent by the Customer which could not be executed for any reason.
  8. The Bank shall make all reasonable efforts to ensure that the customer information is kept confidential but shall not be responsible for any inadvertent divulgence or leakage of confidential Customer information for reasons beyond its control or by action of any third party.
  9. The Customer expressly authorizes the Bank to carry out all requests/ transactions purporting to have been received from his/ her mobile phone and authenticated with his/ her MPIN. In the case of payment facilities like fund transfer, mobile top up, bill payment, etc, the customer shall be deemed to have expressly authorised the Bank to make the payment when a request is received from him/ her.

10. It is the responsibility of the Customer to advise the Bank of any change in his mobile number or loss/ theft of mobile phone by adopting the procedure laid down by the Bank for the purpose.

11. The Telecom Service provider of the customer may levy charges for each SMS/ dial/GPRS and the Bank is not liable for any dispute that may arise between such telecom service provider and the customer.

Fee structure for the Facility:

The Bank reserves the right to charge the Customer a fee for the use of the services provided under the Facility and change the fee structure at its discretion. Display of such charges on Bank’s websites would serve as sufficient notice and the same is binding on the customer.

Accuracy of Information:

It is the responsibility of the Customer to provide correct information to the Bank through the use of the Facility or any other method. In case of any discrepancy in this information, the Customer understands that the Bank will not be in any way responsible for action taken based on the information. The Bank will endeavour to correct the error promptly wherever possible on a best effort basis, if the customer reports such error in information. The Customer understands that the Bank will try, to the best of its ability and effort, to provide accurate information and shall not hold the Bank responsible for any errors or omissions that may occur due to reasons beyond the control of the Bank.

The Customer accepts that the Bank shall not be responsible for any errors which may occur in spite of the steps taken by the Bank to ensure the accuracy of the information and shall not have any claim against the Bank in an event of any loss/ damage suffered as a consequence of an inaccurate information provided by the Bank.

 Responsibilities and obligations of the customer :

  1. The customer will be responsible for all transactions, including fraudulent/erroneous transactions made through the use of his/ her mobile phone, SIM card and MPIN, regardless of whether such transactions are in fact entered into or authorized by him/ her. The customer will be responsible for the loss/damage, if any suffered.
  2. The Customer shall take all steps possible to ensure that his/her mobile phone is not shared with anyone and shall take immediate action to de-register from MBS as per procedure laid down in case of misuse/ theft/loss of the mobile phone or SIM card.
  3. The Customer will use the services offered under Facility using the MPIN in accordance with the procedure as laid down by the Bank from time to time.
  4. The Customer shall keep the USER ID and MPIN confidential and will not disclose these to any other person or will not record them in a way that would compromise the security of the services.
  5. It will be the responsibility of the Customer to notify the Bank immediately
  6. if he/ she suspect the misuse of the MPIN. He will also immediately initiate the necessary steps to change his MPIN.
  7. If the mobile phone or SIM is lost, the user must immediately take action to de-register from MBS at Home branch of the primary account enabled for MBS.
  8. The Customer accepts that any valid transaction originating from the USER ID and / or registered mobile phone number shall be assumed to have been initiated by the Customer and any transaction authorized by the MPIN is duly and legally authorized by the Customer.
  9. The Customer shall keep himself/herself updated with regard to any information/ modification relating to the services offered under the facility which would be publicized on the websites and at the branches and would be responsible for the same.

10. The Customer shall be liable for all loss on breach of the Terms and Conditions contained herein or contributed or caused the loss by negligent actions or a failure to advise the Bank within a reasonable time about any unauthorized access in the account.

11. The Customer shall be liable and responsible for all legal compliance and adherence of all commercial terms and conditions in respect of the mobile connection/SIM card/mobile phone through which the facility is availed and the Bank does not accept/ acknowledge any responsibility in this regard.

Disclaimer :

The Bank, when acting in good faith, shall be absolved of any liability in case:

The Bank is unable to receive or execute any of the requests from the Customer or there is loss of information during processing or transmission or any unauthorized access by any other person or breach of confidentiality or due to reasons beyond the control of the Bank. There is any kind of loss, direct or indirect, incurred by the Customer or any other person due to any failure or lapse in the facility which are beyond the control of the Bank. There is any failure or delay in transmitting of information or there is any error or inaccuracy of information or any other consequence arising from any cause beyond the control of the Bank which may include technology failure, mechanical breakdown, power disruption, etc .There is any lapse or failure on the part of the service providers or any third party affecting the said facility and that the Bank makes no warranty as to the quality of the service provided by any such provider. The Bank, its employees, agent or contractors, shall not be liable for and in respect of any loss or damage whether direct, indirect or consequential, including but not limited to loss of revenue, profit, business, contracts, anticipated savings or goodwill, loss of use or value of any equipment including software, whether foreseeable or not, suffered by the Customer or any person howsoever arising from or relating to any delay, interruption, suspension, resolution or error of the Bank in receiving and processing the request and in formulating and returning responses or any failure, delay, interruption, suspension, restriction, or error in transmission of any information or message to and from the telecommunication equipment of the Customer and the network of any service provider and the Bank's system or any breakdown, interruption, suspension or failure of the telecommunication equipment of the Customer, the Bank's system or the network of any service provider and/or any third party who provides such services as is necessary to provide the Facility. The Bank will not be responsible if Bank’s mobile banking application is not compatible with/ does not work on the mobile handset of the Customer.


In consideration of the Bank providing these facilities, the Customer agrees to indemnify and hold the Bank harmless against all actions, claims, demands proceedings, loss, damages, costs, charges and expenses which the Bank may at any time incur, sustain, suffer or be put to as a consequence of or arising out of or in connection with any services provided to the Customer pursuant hereto. The Customer shall indemnify the Bank for unauthorized access by any third party to any information/instructions/triggers given by the Customer or breach of confidentiality.


JANA HITA BIMA YOJANA is a group insurance policy for people aged between 18 to 70 with no medical certificate.