Rural banking in Gujarat has gone through a quiet but important transformation. Following the “One State, One RRB” model, the earlier regional entities were merged into a single bank to simplify operations and improve service delivery. Today, Gujarat Gramin Bank, headquartered in Vadodara, serves customers across Saurashtra, North Gujarat, and South Gujarat through a unified network.
With this scale comes stricter timing discipline. Branch hours, public entry cut-offs, and lunch practices are now standardised across the state. Knowing these details matters—especially in a bank that handles large volumes of pensions, DBT credits, KCC loans, and daily cash transactions.
Gujarat Gramin Bank Opening Time
Customer-facing services at Gujarat Gramin Bank begin at 10:00 AM on working days.
Branches follow a slightly wider internal schedule, but for customers, 10:00 AM is the official start for counters, cash transactions, and service desks. Reaching the branch earlier usually means waiting until public business hours begin.
Best time to visit: 10:00 AM to 11:30 AM, when counters are fully active and queues are lighter.
Gujarat Gramin Bank Closing Time & Branch Hours
After the merger, Gujarat Gramin Bank follows a clear distinction between branch working hours and public business hours:
- Branch working hours: 9:45 AM to 4:45 PM
- Public business hours: 10:00 AM to 4:00 PM
While staff remain inside the branch until 4:45 PM for reconciliation and system updates, public entry is strictly stopped at 4:00 PM. This rule is now uniformly enforced across all regions to keep digital reporting and cash reconciliation in sync.
To avoid being turned away, customers should enter the branch by 3:30–3:45 PM at the latest.
Gujarat Gramin Bank Cash Transaction Timings
Cash services follow a firm internal cut-off.
- Cash deposit and withdrawal timing: 10:00 AM to 3:30 PM
Even though public business hours run until 4:00 PM, cash counters usually stop accepting transactions after 3:30 PM. This buffer is essential for cash balancing and compliance in a high-volume rural banking environment.
If your visit involves cash, aim to reach the branch before 3:00 PM.
Gujarat Gramin Bank Lunch Time Practice
Branches do not shut down completely for lunch, and the commonly observed slowdown window remains 1:30 PM to 2:30 PM.
In 2026, the unified bank introduced a “No-Zero-Counter” policy during lunch hours. This means:
- At least one cash counter remains operational at all times
- Basic enquiries and withdrawals continue
- Processing for loans, new account openings, and detailed documentation is effectively paused
Customers can still get essential work done, but complex requests are best handled outside this window.
Gujarat Gramin Bank Working Days & Saturday Timings
- Monday to Friday: Public business from 10:00 AM to 4:00 PM
- Saturday:
- Closed on 2nd and 4th Saturdays
- Open on 1st, 3rd, and 5th Saturdays with normal public hours
- Sunday: All branches remain closed
Branches also observe national and state-specific bank holidays applicable in Gujarat.
ATM and Digital Banking Availability
Even outside public business hours:
- Gujarat Gramin Bank ATMs operate 24×7, subject to cash availability
- Mobile and internet banking allow balance checks, transfers, and basic services
These channels help reduce pressure on physical branches.
How to Plan a Smooth Visit
In the unified Gujarat Gramin Bank system, timing is everything. Treat 10:00 AM as the real start, 3:30 PM as the cash deadline, 4:00 PM as the hard stop for entry, and 1:30–2:30 PM as a slower—but still functional—window.
