Saurashtra Gramin Bank
Saurashtra Gramin Bank is an RRB (Regional Rural Bank) established in 1976 under the RRB Act. It was formed after the amalgamation of three banks, namely JRGB, JAGB, and SBGB. SBI has promoted it since 1978.
This bank has its presence in 11 districts of Gujarat named Rajkot, Jamnagar, Surendranagar, Junagadh, Amrel, Porbandar, Bhavnagar, Gir Somnath, Botad, Morbi, DevBhoomi Dwarka.
Saurashtra Gramin Bank Offerings
- Deposit Schemes
- Saving Deposit
- Current Deposit
- Recurring Deposit
- Fixed Deposit
- Agriculture Term Loan
- Tractor Loan
- Dairy Unit for up to 4 Animals
- Dairy Unit for 10 & more Animals
- Loans
- Agri Gold Loan
- Gold Loan
- Home Loan Top Up
- Housing Loan
- Car Loan
- Education Loan
- Doctor Plus
- Rent Plus
- Non – Farm Sector
- SME Special
- Personal Loan
- For Salaried Person of our Bank
- For Salaried Person of other Bank
- For Fixed Salaried Person
- For Pensioner
- For Businessmen
- For NSC/KVP/Mutual fund Agent
- For Self Employed
- Vidya Sahayak
Saurashtra Gramin Bank Loans offered
- Loans
- Agri Gold Loan
- Gold Loan
- Home Loan Top Up
- Housing Loan
- Car Loan
- Education Loan
- Doctor Plus
- Rent Plus
- Non – Farm Sector
- SME Special
- Personal Loan
- For Salaried Person of our Bank
- For Salaried Person of other Bank
- For Fixed Salaried Person
- For Pensioner
- For Businessmen
- For NSC/KVP/Mutual fund Agent
- For Self Employed
- Vidya Sahayak
Saurashtra Gramin Bank Gold loan
Saurashtra Gramin Bank loans are secured by gold jewellery and coins to customers in India. It is permissible to use the gold loan for both productive and nonproductive purposes, such as medical treatment, educational costs, and other unplanned emergencies in life.
Eligibility
Applicants must be a resident of the service area village/town, preferably an existing customer or reputed and known to the bank, a person who has fulfilled KYC Norms, and a savings bank account with the bank.
As for DL:
– Repayment should be made within three years in monthly/quarterly/half-yearly/yearly instalments that correspond to the harvesting and marketing seasonal generation of income from the business activity. Interest will be recovered as and when it is applied. The proposal processing charge of 1.25% of the sanctioned limit is to be retrieved on the disbursement date and annually after that on the same date.
To know more about Saurashtra Gramin Bank gold loans click here
Saurashtra Gramin Bank Personal loan
Saurashtra Gramin Bank offers a variety of personal loans to salaried and self-employed people and retirees who require money for various personal and professional reasons.
Applying procedure
Apply Online:-
- Visit the official website.
- Go to the personal loan section from the home page.
- Download the loan application
- Fill it and add all the wanted documents.
- Please submit it to the most neighbouring branch and wait for the approval.
Apply Offline:-
- Visit the bank branch.
- Meet the official their,
- And ask them for a personal loan application form
- Go home and fill the application form and attach it with all the documents required
- Now visit the bank branch nearest to you again to submit the form.
- Now see them again and again to complete the procedures they ask for,
- Till the time your home loan is approved.
Saurashtra Gramin Bank Car loan
Saurashtra Gramin Bank has a variety of car loan programmes for both retail and commercial customers. There are separate plans for government employees and those who have already taken out a home loan. In addition, the bank offers a scheme that allows you to apply for both a car loan and a home loan in one go.
Types of car loans
New Car Loan: For those who are in the market for a new vehicle. Take advantage of this credit for a flexible residency of up to 7 years.
Used Car Loan: Use a Used Car Loan to purchase any previously owned vehicle with complete records. Get recognition for long residencies of up to 5 years.
Advance Against Car: Individuals can even get a credit against their previously owned vehicles for competent resource supports by keeping the car for protection.
Saurashtra Gramin Bank Home loan
Who are eligible
- Individuals between 21 and 70 with an independent and guaranteed net monthly income (NMI) of Rs. 5000/-
- Agriculturist with a 7-acre farm, an Annual Net Income (NAI) of Rs. 60,000/-, and an age range of 21 to 70 years.
(NAI is calculated using the previous year’s net profit from agricultural operations.)
Interest Rates
Interest rates start at 8.80% based on the borrower’s CIBIL report score, LTV ratio, and profile.
Period of Repayment
A maximum of 25 years is given to applicants up to 45 years old (inclusive of moratorium period, if any).
And a maximum of 15 years is allowed for applicants over the age of 45. (inclusive of moratorium period, if any).
Saurashtra Gramin Bank Credit card
Saurashtra Gramin Bank has introduced the Saurashtra Gramin Bank Kisan Credit Card to provide farmers with adequate, hassle-free, and timely credit for agricultural and allied expenses through a single window.
Eligibility
All Farmers – Individuals / Joint borrowers who are owner cultivators
Tenant Farmers, Oral Lessees & Share Croppers
SHG/JLG of Farmers, including tenant farmers, sharecroppers etc.
Credit Limit
It is decided according to the crop’s scale of finance as agreed by the District Level Technical Committee (DLTC) plus crop insurance premium.
Margin
To be decided by the bank as per RBI guidelines.
Security
The bank decides it as per RBI guidelines.
How to apply for a credit card in Saurashtra Gramin Bank?
Applying for a credit card in Saurashtra Gramin Bank is very easy.
- First, you need to visit Dialabank’s official website.
- Now a form will be displayed on your screen.
- Fill that form correctly.
- Now, as soon as you fill the form our customer care representative will call you and guide you.
- Just follow those steps that they might have guided you and get your credit card easily with a hassle-free process.
Saurashtra Gramin Bank Net banking
Internet banking has entirely changed the way most people manage their bank accounts. It has become one of the most popular methods of conducting financial transactions due to its convenience and accessibility. Customers can use internet banking to view their account statements, pay credit card bills, transfer funds instantly, and pay for online shopping sprees. Furthermore, the convenience of not visiting the bank and waiting in long lines adds to the appeal of conducting financial transactions online. Saurashtra Gramin Bank also offers this service to its customers.
Saurashtra Gramin Bank Customer care number
Head Office
Saurashtra Gramin Bank
Wing-2, 1st Floor,
LIC, Jeevan Prakash Building,
Tagore Road, Rajkot-360001
Gujarat, India.
- Telephone : (0281) 2482421/22
- Fax : (0281) 2371127
- Email: enquiry@sgbrrb.org
General Manager (Operations)
Saurashtra Gramin Bank
Wing-2, 1st Floor,
LIC, Jeevan Prakash Building,
Tagore Road, Rajkot-360001
Gujarat, India.
- Telephone : (0281) 2482421/22
- Fax : (0281) 2371127
- Email: enquiry@sgbrrb.org
General Manager (Planning & Development)
Saurashtra Gramin Bank
Wing-2, 1st Floor,
LIC, Jeevan Prakash Building,
Tagore Road, Rajkot-360001
Gujarat, India.
- Telephone : (0281) 2482421/22
- Fax : (0281) 2371127
- Email: enquiry@sgbrrb.org
Jamnagar Region Office
Saurashtra Gramin Bank
4th Floor, Silver Plaza,
7-Patel Colony,
Bedi bandar Road,Jamnagar,
Gujarat, India.
- Telephone : (0288) 2750062 / 2750063
- Fax : (0288) 2750061
Surendranagar Region Office
Saurashtra Gramin Bank
Region Office, R-II,
Rudraksha Complex, First Floor,
On the Hyundai Show Room,
Madhavan Road, Surendranagar – 363035
Gujarat, India.
- Telephone : (02752) 242132 / 242346 / 242347
- Fax : (02752) 242132
Junagadh Region Office
Saurashtra Gramin Bank
1st Floor, RajRajeshwari Complex,
Opp. Timbavati Bypass Gate,
Madhuram, Junagadh,
Gujarat, India.
- Telephone : (0285) 2670526 / 2670529
- Fax : (0285) 2670549
Bhavanagar Region Office
Saurashtra Gramin Bank
2nd Floor,
Above Dave Sweet, Opp- Madhav Complex,
Shastrinagar, Bhavnagar-364001
Gujarat, India.
Telephone : (0278) 2512401 / 2512402 / 2512403
Rajkot Region Office
Saurashtra Gramin Bank
2nd Floor, Viral Heights,
Ayodhya Chowk, 150ft. Ring Road,
Rajkot 360006
Gujarat, India.
Telephone : 0281-2966050 / 70 / 80 / 90
Saurashtra Gramin Bank Customer Complaints
You can complain here if you have any grievances.
Jamnagar Region Office
Administrative Officer (General)
Saurashtra Gramin Bank
Telephone : (0288) 2750062/63
Surendranagar Region Office
Administrative Officer (General)
Saurashtra Gramin Bank
Telephone : (02752) 242346/47
Junagadh Region Office
Administrative Officer (General)
Saurashtra Gramin Bank
Telephone : (0285) 2670526/29
Bhavnagar Region Office
Administrative Officer (General)
Saurashtra Gramin Bank
Telephone : (0278) 2512401/02
Rajkot Region Office
Administrative Officer (General)
Saurashtra Gramin Bank
Telephone : (0281) 2966050/70
Head Office
Chief Manager (A&I)
Saurashtra Gramin Bank
Telephone : (0281) 2482421/22
And if the complainant does not receive a response from the bank within 30 days, or if the bank rejects the complaint, or if the complainant is dissatisfied with the bank’s response, they may file a complaint with the Banking Ombudsman.
How to Open a Savings Account in Saurashtra Gramin Bank
To inaugurate a savings bank account in Saurashtra Gramin Bank, you need to follow the below-mentioned steps:
(1) Personally Visit Saurashtra Gramin Bank Branch
Firstly, you will require to tour the bank branch in which you want to open your account.
(2) Fill the Account Opening Form for the Savings Account
First, get the form from there and fill all the mandatory details of the customer’s information and other information in the different sections given in the designated form like name, address, contact number, email id, PAN, type of account to be opened, nominee’s name, etc.
(3) Attach Required all the Mandatory Documents with the Account Opening Form (AOF)
After filling out the account opening form, you need to attach KYC documents like PAN, Proof of Address & Proof of Identity.
Some banks make it mandatory to provide a Permanent address and telephone number.
(4) Verification process will start now
The banker will verify the Account Opening Form and other attached documents. If he is happy with these requirements, he will proceed further.
(5) Now deposit the Minimum Balance Amount in your Savings Account as per your Savings Account requirement
After verifying the banker’s Account Opening Form (AOF) & Other Documents, you will be allotted an account number. You will then be obligated to deposit the least requisite balance in your account as per the account type of the savings bank account.
(6) Now obtain the Cheque Book, Passbook, Debit Card and all the other documents from the bank
Once your account is happily opened, the banker will deliver over Cheque Book, Passbook, Debit Card & Other Documents to you, and then you will be permitted to make transactions from your account.
How to Open a Current Account in Saurashtra Gramin Bank
Eligibility Criteria
Any of the following business recipients can open a current Account in Saurashtra Gramin Bank:
- Hindu Undivided Family (HUF)
- Sole Proprietorship
- Partnership
- Private Limited Company
- Public Limited Company
- Trust
- Club
- Society
- Association
- Limited Liability Partnership (LLP)
- Foreign Institutional Investor (FII)
- Foreign National Residing in India
Eligibility Criteria for Opening Current Account in Saurashtra Gramin Bank
Any of the following business existences can open a current Account in Saurashtra Gramin Bank:
- Hindu Undivided Family (HUF)
- Sole Proprietorship
- Partnership
- Private Limited Company
- Public Limited Company
- Trust
- Club
- Society
- Association
- Limited Liability Partnership (LLP)
- Foreign Institutional Investor (FII)
- Foreign National Residing in India
Steps to open a Current Account in Saurashtra Gramin Bank
If you require to initiate a current account in Saurashtra Gramin Bank, you need to follow the below-mentioned steps:
(1) Visit the Bank Branch
For this, first, you need to visit the bank branch in which you need to open your account.
(2) Fill up Account Opening Form (AOF) for Current Account
Get the Account Opening Form and fill in all the necessary details of the customer’s information and other information in the different sections given in the form like name, address, contact number, email id, PAN, type of account to be opened, nominee’s name, etc.
(3) Attach Required (Mandatory) Documents with the AOF
After filling out the account opening form, you need to attach KYC documents based on the type of account you are willing to open, like a savings account, current account, etc. These documents will also depend upon your status like Individual, HUF, Proprietor, Partnership Firm, Company, Trust, etc.
(4) Verification of AOF & Other Documents by the Banker
The banker will verify AOF and other attached documents. If he is satisfied with these requirements, they will proceed further.
(5) Deposit Minimum Balance Amount in the Account
After that, you will be assigned an account number, and you are needed to deposit the minimum required balance in your account.
(6) Obtain Cheque Book, Passbook & Other Documents from the Bank
After that, the bank will be successfully open your account, and the banker will hand over Cheque Book, Passbook & Other Documents to you, and then you will be allowed to start the activity from your account.
Saurashtra Gramin Bank FAQs
✅ How can I check my Saurashtra Gramin balance?
To contact the bank officials, give a missed call on 9289200123 and obtain your Account balance.
✅ Is Saurashtra Gramin Bank Nationalised bank?
Saurashtra Gramin Bank is an RRB (Regional Rural Bank) established in 1976 under the RRB Act. It was formed after the amalgamation of three banks, namely JRGB, JAGB, and SBGB. SBI has promoted it since 1978.
✅ What is TPIN in SGB?
T-PIN is a 4 digit Telephone Personal Identification Number to check the authenticity of the customer to allow immediate entrance to the call & trade facility. TPIN is unique for each account, and it is a secured service
