Kerala Gramin Bank (KGB) is a Regional Rural Bank (RRB) formed on 08.07.2013, under the Sub-Section (1) of Section 3 of the RRB Act 1976 (27 of 1976). The bank was formed by amalgamating the two RRBs of Kerala namely South Malabar Gramin Bank and North Malabar Gramin Bank through a notification by the government of India. Kerala Gramin Bank is a Regional Rural Bank in Kerala with massive rural penetration. Even though the bank is a Regional Rural Bank, KGB delivers all the major functionalities of a PSB. The major focus of the bank is to initiate appropriate intervention for overall economic upliftment and advancement of the people of Kerala by giving financial assistance to the sectors like Agriculture, Micro, Small and Medium Enterprises, education, housing, micro-credit, weaker sections, SC/ST communities etc. KGB has carved a niche for itself through its 40 year old history of dedicated and customized service to the clientele by its predecessor RRBs. With 634 branches as on 30.09.2019, it is the second largest bank in Kerala, in terms of branch network. Its comprehensive branch network spreads into the deepest and farthest corners of Kerala. Further, its CD ratio is the highest among major banks of Kerala. KGB leads other Banks in the state in the number of persons assisted under Kisan Credit Card (KCC) and SME (Priority) schemes. For the past 40 years the predecessor RRBs of the bank have succeeded in building warm relationship with its customers. Now KGB’s objective is to intensify this relationship and thus emerge as a strong, vibrant and socially committed ‘Kerala’s Own Bank’.