Punjab Gramin Bank

Regional Rural Bank Sector

“Banking the Breadbasket of India”

Punjab Gramin Bank (PGB) is a Regional Rural Bank (RRB) sponsored by Punjab National Bank, serving the rural and agricultural communities of Punjab — India's most iconic agricultural state, the original and enduring epicentre of the Green Revolution, and the 'Granary of India'. Jointly owned by the Government of India (50%), Punjab National Bank (35%), and the Government of Punjab (15%), Punjab Gramin Bank operates in a state where agriculture is not merely an occupation but a deeply embedded cultural identity — where the Sikh farming community's 'Kirat Karo' (work ethically) ethos has driven agricultural productivity to among the highest levels in the world. Punjab's farmers are among India's most commercially sophisticated agricultural producers, and Punjab Gramin Bank's credit programme reflects this sophistication: Kisan Credit Cards for wheat, paddy, and maize cultivation, farm mechanisation loans for the state's highly mechanised farm sector (Punjab has the highest tractor density per hectare in India), combine harvester financing, dairy development loans for Holstein Friesian and Sahiwal cattle, horticulture loans for kinnow citrus, potato, and vegetable farmers, agro-processing and cold chain infrastructure loans for rural food entrepreneurs, solar agriculture pump loans, MUDRA loans for rural non-farm enterprises and agri-input dealers, SHG credit for women, housing loans, and term deposits. PGB is a primary channel for PMJDY, PM Kisan, crop insurance facilitation (PMFBY), and DBT in Punjab's rural districts. The bank has also been at the forefront of rural debt restructuring programmes for financially distressed farmers in Punjab — a state facing significant challenges of farm indebtedness and agrarian stress. All deposits are DICGC insured.