There is going to be a big change in the banking sector in the country. If your account is also in a Gramin Bank, then this news is very important for you. Recently, the government has decided to merge 15 Regional Rural Banks (RRB) under the “One State One RRB” policy.
After this decision, the number of rural banks in 11 states of the country will come down from 43 to 28. This will directly affect millions of customers, but there is no need to panic because there will be no hindrance in your services.
This step of the government has been taken to make banking services better, easier and safe. Now only one Gramin Bank will work in every state, which will improve banking services and bring transparency in operation.
In this article, we will tell you which banks are merging, what will be the effect on your account, and what changes you can see. Also, we will know what is the purpose of the government behind this decision and what customers should take care of.
One State One RRB Policy 2025: Gramin Bank merger observation
The table below has the main information about the “One State One RRB” policy:
| Points | Acquaintance |
| Name of change | A state an RRB policy |
| Banking banks | 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 (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 |
| Total branches | 22,000+ (92% in rural/semi-urban areas) |
| Authorized capital | ₹ 2,000 crore per bank |
“These 15 banks will be closed from tomorrow!” – What is real news?
The government has implemented the “One State One RRB” policy since 1 May 2025. Under this, 15 regional rural banks of 11 states of the country have been merged. This does not mean that these banks are being completely closed, but all of them will become a new, big and strong Gramin Bank. This will improve banking services, reduce spending and ease of operation.
Which states will affect?
The effect of this decision will be seen in these 11 states:
- Uttar Pradesh (Uttar Pradesh)
- Bihar (Bihar)
- Gujarat (Gujarat)
- West Bengal
- Andhra Pradesh (Andhra Pradesh)
- Jammu and Kashmir
- Karnataka (Karnataka)
- Madhya Pradesh (Madhya Pradesh)
- Maharashtra (Maharashtra)
- Odisha (Odisha)
- Rajasthan (Rajasthan)
Which Gramin Bank will be merged? (Gramin Bank Merger List 2025)
A new Gramin Bank will be created by combining all the RRBs present in every state. Below is the list of banks to merge state -wise:
| State | Merge banks (old) | New Bank (New Bank) | Headquarters |
| Uttar Pradesh | Baroda up bank, aryavart bank, prathama up gramin | Uttar Pradesh Gramin Bank | Lucknow |
| Bihar | Dakshin Bihar Gramin Bank, Uttar Bihar Gramin Bank | Bihar Gramin Bank | Patna |
| Gujarat | Baroda Gujarat Gramin Bank, Saurashtra Gramin Bank | Gujarat Gramin Bank | let them |
| West Bengal | Bangiya Gramin Vikash, Paschim Banga, Uttarbanga | West Bengal Gramin Bank | state capital |
| Andhra Pradesh | Chaitanya Godavari, Andhra Pragathi, Saptagiri, APGB | Andhra Pradesh Gramin Bank | Amravati |
| Jammu and Kashmir | J&K Grame Bank, Ellaquai Dehati Bank | Jammu and Kashmir Gramin Bank | Jammu |
| Karnataka | Karnataka Vikas Grameena Bank, Karnataka Gramin Bank | Karnataka grameena bank | Score |
| Madhya Pradesh | Merge of two rrbs | Madhya Pradesh Gramin Bank | state capital |
| Maharashtra | Merge of two rrbs | Maharashtra Gramin Bank | state capital |
| Odisha | Merge of two rrbs | Odisha Gramin Bank | state capital |
| Rajasthan | Merge of two rrbs | Rajasthan Gramin Bank | state capital |
What will be the effect on your account after merger?
- Your money is completely safe. There will be no effect on all accounts, deposits, loans, FD, RD, etc.
- The name of the bank may change, but there will be no hindrance in your services, account number, IFSC Code, ATM, Passbook, Checkbook etc.
- All branches will be open as before. There will be no change in banking timing and staff.
- 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.
- New passbooks, checkbooks or cards will be released in the name of the new bank, but the old will also be valid for some time.
What are the benefits of “One State One RRB” policy?
- Improvement in banking services: Now every state will have a big and strong bank, which will provide services and better.
- Operation easy: Having a single bank will reduce administrative expenses and transparency in operation.
- More facilities to customers: facilities like technology, digital banking, online transactions will be easier.
- Credit flow will increase: It will be easy to get loans and other banking services for farmers, small traders and people from rural areas.
- Financial Inclusion: Banking services will reach more and more people in rural areas.
What can change after merger? (What will change after merger?)
- The name and board of the bank’s branch may change.
- A new name can be stamped on the bank’s old papers (passbook, checkbook, slip).
- Gradually, new name and logo will start appearing in all branches.
- Customer care numbers, website, mobile apps etc. can also be updated.
- Customers will be informed about any change through SMS, notice or bank website.
Important Tips for Customers for customers
- If you have an old bank passbook, checkbook or card, do not panic, it will be valid for some time.
- Keep an eye on your branch or bank website for information about any change.
- Beware of any suspicious calls or messages, the bank never asks for your personal information on the phone.
- If needed, you can apply for a new passbook, checkbook or card.
Why was Gramin Bank Merger? (Why was gramin bank merger needed?)
- Due to more than one RRBS in many states, duplication, expenditure and service were slow in operation.
- Small banks were left behind in technology and digital banking.
- The government aims to have only one strong bank in every state, so that better services can reach rural areas.
- This will make transparency, accountability and monitoring easy in the banking sector.
Regional Rural Bank (RRB) Vana Ownership Re Regulation
- The Ownesip of RRBS is divided into three parts:
- Central Government: 50%
- State Government: 15%
- Sponsor Bank (eg SBI, PNB, BOB): 35%
- RRBs are regulated by Reserve Bank of India (RBI) and NABARD.
- These banks have been designed to provide banking services to farmers, small traders and people of rural areas.
How will the branch be rebranding? (Rebranding of Gramin Bank Branches)
- All branches will be put on a new name and logo.
- Old bank papers (passbook, checkbook, slip) “Now [New Bank Name]Will be stamped.
- Gradually, new signboards and stationery will come to all branches.
- Customers will be informed about this through SMS, notice or bank website.
What services will continue to be available even after merger? (Services after merger)
- All services will continue to be available as before.
- All branches and ATMs will continue to run as before.
- There will be no hindrance in any service.
Some common questions related to merger (FAQ)
Q1. Is my money safe?
Yes, your money is completely safe. Banks are just merging, not closing.
Q2. Do I have to open a new account?
No, your old account will be valid. There will be no change.
Q3. Will the IFSC code or account number change?
Not currently. If there is any change in future, the bank will give you information.
Q4. Do I have to get a new passbook or checkbook?
The old passbook and checkbook will be valid for some time. You can get new if needed.
Conclusion
Under the “One State One RRB” policy, the merger of 15 Gramin Bank is a big and necessary step. This will strengthen banking services in rural areas, will provide more convenience to customers and bring transparency in the banking sector. If your account is in these banks, do not panic-your services will continue as before and your money is completely safe.
Disclaimer:
This news is becoming increasingly viral on social media and news portals that “15 banks will be closed from tomorrow”. Actually, these banks are not closing, but will become a new and strong Gramin Bank by merging. There will be no hindrance in customers’ services and your money is completely safe. Avoid any rumor or wrong information and rely only on banks or government notifications.
