Nowadays a news on social media and WhatsApp is becoming increasingly viral that “15 banks will be closed from tomorrow” and there is a lot of concern and confusion among people. Especially the account holders of Gramin Bank (Grameen Bank) working in rural areas are afraid that their bank is also in this list.
In this article, we will tell you in detail about the whole truth, the ongoing changes in the banking sector and the Regional Rural Banks (RRB) in easy language. Also, you will tell you whether the banks will be closed or only their name and system will change.
The Government of India and the Ministry of Finance from time to time take many major decisions to make the functioning of banks better and easier. In this episode, a big decision has been taken recently about rural banks.
The aim of this decision is to further strengthen banking services, reduce expenditure and provide better facilities to customers. But this is not a threat to account holders, but this change will prove beneficial for them.
What is the news: 15 gramin bank closed or merge?
Recently, the Finance Ministry has decided to merge 15 Regional Rural Banks (RRB) under one state-one bank (One State One RRB) policy. This means that only one Gramin Bank will work in one state, which will improve banking services and will be easy.
Overview Table: Gramin Bank merger 2025
| Points | Acquaintance |
| Name of change | A state an RRB policy |
| How many banks will be merged | 15 Regional Rural Bank (RRB) |
| Date of implementation | 1 May 2025 |
| Main objective | Banking service reform, reduction in spending, operation easy |
| Affected state | 11 states (eg UP, Bihar, Gujarat, etc.) |
| Effect on account holders | No loss, services will continue |
| Name of new bank | Gramin Bank in the name of the state (eg Bihar Gramin Bank) |
| Headquarters | One headquarters |
Which Gramin Bank will be merged?
Below is a list of 15 banks that are being merged. Keep in mind, these banks are not closing, but together they will become a new bank:
- Uttar Pradesh: Baroda up bank, aryavart bank, prathama up gramin bank → now it will become uttar Pradesh Gramin Bank (Lucknow Headquarters)
- Bihar: Dakshin Bihar Gramin Bank, Uttar Bihar Gramin Bank → Bihar Gramin Bank (Patna Headquarters)
- Gujarat: Baroda Gujarat Gramin Bank, Saurashtra Gramin Bank → Gujarat Gramin Bank (Vadodara Headquarters)
- West Bengal: Bangiya Gramin Vikash, Paschim Banga Gramin Bank, uttarbanga Kshetriya Gramin Bank → West Bengal Gramin Bank (State capital)
- Jammu and Kashmir: J&K Grameen Bank, Ellaquai Dehati Bank → Jammu and Kashmir Grameen Bank (Jammu Headquarters)
- Karnataka, Madhya Pradesh, Maharashtra, Odisha, Rajasthan: In every state, two RRB will be merged and a new bank will be formed
What will change after merger?
- Your bank’s name may change, but there will be no hindrance in your services, account number, IFSC code, ATM, passbook, checkbook etc.
- All branches of the bank will be open as before.
- All online banking, UPI, NEFT, RTGS, ATM and card services will continue as before.
- Only the bank’s name and some administrative things will change, there will be no harm to the customers.
Will banks be closed or will the name change?
This is a very important question. Actually, no bank is closing. Only the name and management structure of the bank is being changed. Its aim is to have the same Gramin Bank in a state, which makes the operation easier and customers get more benefit.
Benefits of merger
- Improvement in banking service
- Shortage of expenditure
- Better use of technology and digital banking
- Customers more and better facilities
- Expansion of banking network
What do customers have to do with merger?
- You do not need to go anywhere or fill any form.
- Your services will remain the same as before.
- If the name of the bank changes, then a new passbook or checkbook can be found from the bank, but the old will also be valid for some time.
- All branches and ATMs of the bank will work as before.
Gramin Bank Merger 2025: In which states will be applicable?
Below is the list of states where this merger will apply:
- Uttar Pradesh
- Bihar
- Gujarat
- West Bengal
- Jammu and Kashmir
- Karnataka
- Madhya Pradesh
- Maharashtra
- Odisha
- Rajasthan
All the regional rural banks (RRBs) in these states, they will merge and become a new Gramin Bank.
How will the new bank work after merger?
- Every state will have a new Gramin Bank, headquartered in the state capital or major city.
- All branches, ATMs, and banking service will remain the same.
- The bank’s sponsor bank (eg SBI, PNB, BOB etc.) will remain the same, only the operation will be with one name.
Will there be any effect on banking service?
- No, your services will not be affected.
- All digital service will continue to run as before.
- The bank’s branch, employees, and customer care numbers will also remain the same.
- If the bank’s name changes, the bank will give you information itself.
Is this just rumor or real news?
This news is real, but it does not mean the bank closure. It is just Merger, which will further strengthen the banking sector. The news of “15 bank shutdown” on social media is going viral is wrong. Actually, banks are not closing, but a new bank is being formed together.
Banking holiday and truth of bank closure
There are bank holiday every month, such as second and fourth Saturday, Sunday, and some festivals. But they have nothing to do with merger. Banking services will continue as usual. Online service, ATM, card, UPI, NEFT, RTGS everything will be on.
Do you have to do anything?
- You do not need to panic.
- If any notice or information comes from the bank, read it carefully.
- If there is any problem, then go to the bank branch and get information.
- Do not trust viral rumors on social media.
Gramin Bank merger 2025: FAQ
Q1. Will my account be closed?
No, your account will continue as before.
Q2. Do I have to open a new account?
No, your old account will be valid.
Q3. Will IFSC Code change?
In some cases the IFSC code may change, but the bank will give you information about it.
Q4. What will be the benefit after merger?
Banking service will be better, technology will be used more, and expenses will be low.
Q5. Will the bank branch be closed?
No, all branches will run as before.
conclusion
If you are a customer of Gramin Bank then you do not need to panic. This change is beneficial for you. Banks are not closing, only name and management is changing. All your services will continue as before.
Disclaimer:
This news is going viral as “15 banks closed” on social media, but in reality banks are not being closed. It is just Merger, which will further strengthen the banking sector. Customers do not need to worry about any kind. If any new information comes, the bank itself will inform you.
