One State One RRB: Public Notices Issued on RRB Amalgamation in J&K, Bihar, Andhra Pradesh

RRBs in Jammu & Kashmir have issued a formal public notice. According to the announcement by J&K Grameen Bank, it will amalgamate with Ellaquai Dehati Bank, and the newly unified bank will be called Jammu and Kashmir Grameen Bank, with effect from May 1, 2025. The bank will operate under the sponsorship of J&K Bank.

Image: Public notice on amalgamation in J&K

“All accounts, loans, services, and commitments of both banks will remain operational without disruption,” the notice assured. 

Notably, Jammu and Kashmir Grameen Bank would be the only gramin bank in India to function across two Union Territories—J&K and Ladakh.

Bihar RRBs to Form Bihar Gramin Bank

Following suit, Dakshin Bihar Gramin Bank issued a similar public notification confirming that it will merge with Uttar Bihar Gramin Bank to create an amalgamated entity named Bihar Gramin Bank, also effective May 1, 2025.

Image: Public notice on amalgamation in Bihar

“All existing services, rights, obligations, and entitlements of customers, employees, and stakeholders of both the banks shall remain secure and transition seamlessly into the new entity,” the official notification stated.

The newly formed Bihar Gramin Bank will operate under the sponsorship of Punjab National Bank and will serve the entire state of Bihar.

Public Notice by RRBs in Andhra Pradesh

Similarly, Regional Rural Banks in Andhra Pradesh have formally announced the amalgamation of four RRBs into a single entity named Andhra Pradesh Grameena Bank. The banks to undergo amalgamation include:

• Andhra Pragathi Grameena Bank (APGB)
   
• Andhra Pradesh Grameena Vikas Bank (APGVB)
   
• Chaitanya Godavari Grameena Bank (CGGB)
   
• Saptagiri Grameena Bank (SGB)
  
   

The amalgamated bank, which will be sponsored by Union Bank of India, will come into effect from May 1, 2025, serving as the consolidated RRB for the entire state.

Image: Public notice on amalgamation of RRBs in Andhra Pradesh

Key Highlights for Customers as per the Public Notice:

• No Change in Account Details: Customers' account numbers, IFSC codes, and branch locations will remain unchanged.
• Uninterrupted Banking Services: All existing deposit accounts, loans, and services will continue without disruption.
• Continued Use of Existing Instruments: Cheque Books, passbooks, ATM cards, and access to digital banking services will remain valid.
• Focus on Operational Efficiency: The newly formed Andhra Pradesh Grameena Bank promises enhanced service delivery with greater efficiency and reliability.

In recent weeks, the implementation of the RRB amalgamation process has progressed in a phased and structured manner. Following the unveiling of NABARD’s action plan and Standard Operating Procedure (SOP) for the newly amalgamated RRBs, the latest wave of public notices aligns with the Department of Financial Services’ Gazette Notification dated April 5, 2025—underscoring a coordinated national effort to streamline India’s rural banking landscape.