Sure, it is true that right now, as of 2025, there are as many as 2.5 billion bank accounts in India, but that doesn’t mean the banking services are accessible to every part of the country. Well, the big banks are trying their best to expand their reach, but still, it is not that effective. And that is precisely why Regional Rural Banks, or RRBs for short, exist in India because they provide basic banking services to the rural parts of the country. That right there is the main of these RRBs. But if you didn’t know about this type of bank, and especially the name of some of the best ones in the country, then let’s get to this list of the Top 10 Regional Rural Banks (RRBs) in India 2025. Here we go then.
1. Andhra Pradesh Grameena Vikas Bank (APGVB)
First of all, APGVB always makes it into the limelight, ending up with a massive net profit of ₹1,04,666.71 lakh in FY 2022-23. This bank, under the patronage of the State Bank of India, operates in 21 districts in Telangana and 3 districts in Andhra Pradesh. With 771 branches and almost 2,800 Bank Mitra points, mostly in rural areas, APGVB stands tall as the Number One RRB in India. It has roots deep into rural life, allowing banking for everybody.
2. Andhra Pragathi Grameena Bank
Andhra Pragathi Grameena Bank was ranked second with a net profit of ₹59,515.52 lakhs. This was the bank that operated in five districts of Andhra Pradesh, such as Kadapa and Anantapuramu, under the patronage of Canara Bank. There are 552 branches in this bank, most of which are in rural areas. This gives the bank a strong role in providing credit to farmers and small businesses. If you are in southern Andhra Pradesh, you are lucky to have their post and all the basic banking services that they have to offer to the general public down there.
3. Baroda Rajasthan Kshetriya Gramin Bank
Now talking about Baroda Rajasthan Kshetriya Gramin bank, it posted net profits amounting to Rs. 56,044.88 lakhs. Coming to existence in 2013 with the merger of three RRBs of Rajasthan, it is now under the sponsorship of Bank of Baroda. It operates through 880 branches in the State and is, therefore, largest RRB by size and business. Due to the outreach programs of Baroda Rajasthan Kshetriya Gramin Bank, some rural areas are among the remotest, making banking very easy for people there.
4. Telangana Grameena Bank
Another of the big winners is Telangana Grameena Bank, with net profits of ₹44,936.93 lakhs. The bank was originally known under the name of Deccan Grameena Bank until it got renamed in 2014. The State Bank of India acts as its sponsor, so that right there builds more trust. And just in case you’re wondering, well, there are many districts this bank functions in, like notable districts such as Hyderabad, Rangareddy, and Nizamabad, with the focus being on the rural customer, one who is not completely comfortable with banking.
5. Tamil Nadu Grama Bank
Tamil Nadu Grama Bank, with Indian Bank as its sponsor bank, earned a profit of ₹ 41,827.74 lakh in the previous year. Formed in 2019 by merging Pallavan and Pandyan Grama Banks, it has an area of operation in all districts of Tamil Nadu. Led by Telugu Grama Bank, it promotes a digital agenda and has a fast-growing network of branches in Tamil Nadu. It acts as a service capacitating medium for agriculturalists, artisans, and small-scale entrepreneurs in the state.
6. Prathama U.P. Gramin Bank
Look at Prathama U.P. Gramin Bank to see one of the leading RRBs in Uttar Pradesh. The financial year 2022-23 saw it earn a net profit of ₹39,774.90 lakh. The bank started as a result of a merger between two entities: Prathama Gramin Bank and Sarva UP Gramin Bank and is sponsored by Punjab National Bank. It serves 20 districts and 938 branches delivering banking services to rural households in western and central Uttar Pradesh.
7. Kerala Gramin Bank
With profits at ₹32,460.59 lakh, Kerala Gramin Bank, sponsored by Canara Bank, may not be the highest moneymaker, but it leads all RRBs in India in total business volume and digital presence, with a network of 634 branches spread across Kerala. The bank is famous for maintaining one of the highest C-D ratios. Also, it’s heavily into promoting cultivation, small industries, and micro-credit facilities in rural areas, making it very important for the state.
8. Sarva Haryana Gramin Bank
Now, Sarva Haryana Gramin Bank is the only Regional Rural Bank in Haryana and made profits to the tune of ₹27,552.70 lakh. It was set up under the backing of Punjab National Bank as a result of the amalgamation of the Haryana Gramin Bank and the Gurgaon Gramin Bank. It has 680 branches and is serving approximately 60 million customers, thus marking its presence quite strongly in Haryana’s rural financing space.
9. Saptagiri Grameena Bank
This one? Well, it generated a net profit of ₹26,401.65 lakh, with Indian Bank as its sponsor. It has operations in six districts of Andhra Pradesh, including Chittoor, Tirupati, and Krishna. The bank has 243 branches established predominantly in rural and semi-urban areas and is best known for its agriculture loans and micro-finance works. If you are south of Andhra Pradesh, the bank has been steadily growing to serve your needs right there.
10. Chaitanya Godavari Grameena Bank
In the 10th position, Chaitanya Godavari Grameena Bank generated a net profit of ₹23,234.33 lakh. Sponsored by Union Bank of India, it is the resultant entity due to a merger of the two Grameena banks: Chaitanya Grameena Bank and Godavari Grameena Bank. It mainly serves Guntur, East Godavari, and West Godavari districts with its headquarters at Guntur. The bank is a lifeline for rural folks in credit and savings products.
Conclusion
Now you get it why there is a need for these RRBs in India and how well some of these banks that we mentioned today are doing right here in the country? Well, we hope that this expansion of these RRBs continues like this so that more people in the rural parts can get access to the much-needed banking services.
