Starting May 1, 2025, India will adopt a “one state-one RRB” model, which means each state will have only one Regional Rural Bank (RRB).
This is part of the Finance Ministry’s fourth phase of the RRB consolidation process. As a result, the total number of RRBs across the country will be reduced from 43 to 28.
States Affected by RRB Mergers
The merger will take place in 11 states, including Andhra Pradesh, Uttar Pradesh, West Bengal, Bihar, Gujarat, Jammu & Kashmir, Karnataka, Madhya Pradesh, Maharashtra, Odisha, and Rajasthan.
This process is being carried out under Section 23A (1) of the Regional Rural Banks Act, 1976.
Specific RRB Mergers
Andhra Pradesh: Four RRBs—Chaitanya Godavari Gramin Bank, Andhra Pragati Gramin Bank, Saptagiri Gramin Bank,
and Andhra Pradesh Gramin Vikas Bank—will merge into the new Andhra Pradesh Gramin Bank, sponsored by Union Bank of India, Canara Bank, Indian Bank, and State Bank of India.
Uttar Pradesh: Baroda UP Bank, Aryavart Bank, and Prathama UP Gramin Bank will merge into Uttar Pradesh Gramin Bank, headquartered in Lucknow, with Bank of Baroda as the sponsoring bank.
West Bengal: Bangiya Gramin Vikas Bank, West Bengal Gramin Bank, and Uttarbang Regional Rural Bank will merge to form West Bengal Gramin Bank.
Other States
Bihar: South Bihar Gramin Bank and North Bihar Gramin Bank will merge into Bihar Gramin Bank, based in Patna.
Gujarat: Baroda Gujarat Gramin Bank and Saurashtra Gramin Bank will merge into Gujarat Gramin Bank.
Jammu & Kashmir, Karnataka, Madhya Pradesh, Maharashtra, Odisha, and Rajasthan will also see similar mergers between their RRBs.
