Odisha Gramya Bank
Odisha Gramya Bank was founded on the 1st of January 2013. It is an RRB i.e. a Regional Rural Bank that was established with the amalgamation of Kalinga Gramya Bank, Neelachala Gramya Bank and Baitarani Gramya Bank according to the provisions of RRBs Act 1976. Odisha Gramya Bank headquarter is situated in Bhubaneswar. To know more about various loans offered by OGB, customers can read all the instructions that are mentioned below and customers should also check the eligibility criteria before applying for a particular loan.
Odisha Gramya Bank Offerings
Savings Account:
Objective
- Odisha Gramya Bank Savings account helps in keeping the individual’s hard-earned money with full safety and security.
Features and Benefits
- The Nomination facility is provided
- Debit card
- Standing Instruction facility
- Cheque book
- SMS alert as well as ATM Cards facility
- Speedy transfer of funds only through RTGS/ NEFT/ IMPS.
Current Account:
Objective
- A Current Account is an account that has been specifically designed for doing frequent transactions without any regulations.
- Current Account is suitable for both businessmen and self-employed. Applicants must visit their nearest OGB branch, and should duly fill the application form and submit the AOF i.e. account opening form as well as the required documents.
Eligibility
- The Individuals or Sole proprietary Concerns are eligible.
- Joint Stock Companies.
- Firms.
- Hindu Undivided Families.
- Any business entity can also apply for OGB loans.
Odisha Gramya Bank Loans Offered
- Personal Loan: Personal Loan is provided for granting a clean loan with an easy process to salaried persons.
- Car Loans: Car Loans are suitable for customers who want to purchase their dream car and it should be only for their own personal use.
- Gold Loans: Gold Loans helps the customers to get instant cash whenever they required it.
- Home Loan: OGB is providing Home Loans to those Individuals who wish to make their own home for a better living.
- Two Wheeler Loans: Applicants can get the instant approval of a particular loan and can easily ride home their favourite two-wheeler.
- Educational Loans: OGB Education Loan helps the students in pursuing their higher studies.
- Mudra Loan: It refers to the Micro Units Development and Refinances Agency Limited. that comes under the PMMY i.e. Pradhan Mantri Mudra Yojana scheme.
Odisha Gramya Bank Gold Loan
Eligibility
- In OGB, Individuals who own the gold ornaments are eligible.
Purpose
- Gold Loan is provided For the purpose like agricultural related activities.
- For the purposes such as Business Expansion, child’s education, medical emergency and daughter’s marriage etc.
Amount
- The Maximum amount is Rs.5 lacs.
For more information, customers can visit the website of Dialabank.
Odisha Gramya Bank Personal Loan
Eligibility
- For OGB Personal Loan, Permanent employees of State & Central Govt. departments and Public Sector Undertakings are eligible.
Purpose
- The main purpose is that the Loan can be granted for different personal needs.
Amount
- The maximum amount limit is Rs. 10.00 lacs.
Odisha Gramya Bank Car Loan
Eligibility
- The Businessmen, Salaried Employees/ Established Professionals are eligible.
Purpose
- The car loan is availed for the purpose of purchasing of New car.
Amount
- The maximum amount is Rs.10 lakh or 85% of the vehicle’s cost whichever is less.
- Loans that exceed the amount of Rs.10 lakh can be sanctioned.
Odisha Gramya Bank Home Loan
Eligibility
- For OGB Home Loan, Those Individuals who are with a regular, as well as an independent source of income, are eligible.
Purpose
- The purpose is that it is used for the construction of the new house
- Next is the Purchase of flat / Registered / Reputed Builders.
- Also, it is used for Repairing and Renovating the existing House.
Odisha Gramya Bank Credit Card
Objectives are as follows:
- The main objective is to raise different crops.
- Post Harvest expenses.
- Expenses incurred for marketing of Agricultural produce
- Working capital for maintaining the equipment of the farm
- Purchase of agricultural implements.
Eligibility
- Farmers who are the owner cultivators are eligible.
- Sharecroppers, Tenant farmers and Oral lessees
Odisha Gramya Bank Net Banking
- IMPS is referred to as the Immediate Payment Service. It is an instant as well as a secure interbank electronic system that transfers the funds through ATM, mobile phones, Internet Banking or Branches.
- OGB provides the Net Banking facility to its customers. So now customers can easily apply for various loans and can do payments easily from the bank.
Odisha Gramya Bank Customer Care Number
- If customers are busy and want to check their balance so for that, the customer just gives a missed call on this number 8448290045 from their registered mobile number.
- Customers can get the SMS alert on their SB account balance at any time and from anywhere in India.
For further details regarding OGB Loans, customers can contact the nearest Branch.
Odisha Gramya Bank Customer Complaints
- Customers having any kind of complaints regarding OGB loans can call on this number: 0836-2448626.
- The complaint is sent directly to the Head Office.
- The customer can also write their complaint and fax it to this number: 836-2796843.
However, For any complaints regarding the OGB, customers can call on this Complaint Number:0674-2353031 / 2353032.
How to Open a Savings Account in Odisha Gramya Bank
To open a Savings Account in Odisha Gramya Bank customers has to follow the below-mentioned steps:
- They should personally visit the Branch of Odisha Gramya Bank.
- Customers should Fill up the AOF i.e. Account Opening Form for Savings Account
- Attach all the Required Documents along with the AOF.
- Verification of AOF, as well as Other Documents, is done by the Banker.
- Deposit the Minimum Balance Amount in their Savings Account according to their Savings Account requirement.
- Customers should obtain the Passbook, Cheque Book, Debit Card and other mandatory documents from the Bank.
How to Open a Current Account in Odisha Gramya Bank
For opening a Current Account in Odisha Gramya Bank, individuals should follow these steps:
- Visit the Bank Branch.
- Fill up the AOF for the Current Account.
- Attach all the documents that are Required with the AOF.
- Verification of AOF, as well as Other Documents, is done by the Banker.
- Deposit the Minimum Balance Amount.
- Obtain the Cheque Book, Passbook, etc. from the Bank.
Odisha Gramya Bank FAQs
✅ What is the Min credit score that is required for OGB personal loan?
The Minimum Credit Score Required for the Odisha Gramya Bank is 750 that is important to become an eligible person for OGB personal loan.
✅ What do you mean by bank IFSC code?
IFSC stands for the Indian Financial System Code. It is the character of 11 digits that one can easily see on their bank’s cheque leaves.
✅ Where one can find their bank branch code?
The Bank branch code is available on the website of a bank and also printed on passbooks as well as cheque books. However, The last six characters of an IFSC code is referred to as the branch code.
✅ How can educational loans be disbursed?
The Approved Educational Loan will be disbursed in full or it can be in suitable instalments to the institution/books vendor or other instruments that are taken into consideration for funds requirement/or fee schedule that can be assessed directly by the bank.
