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Gokahle Institute Of Politics And

Economics
Rajasthan Marudhar Gramin Bank
Guided by-
Dr. Prema J Borkar

Submitted By-

Bhavesh Choudhary

AE1810
Name: Rajasthan Marudhar Gramin Bank

Address: Saran Nagar, Digari kallan, Ajmer Road, Jodhpur(pincode-342015)

Year of Establishment: 2017

In terms of Notification F. No. 7/9/2011-RRB Rajasthan, dated 01 st April 2014


issued by Govt. of India, Ministry of Finance, Department of Economic Affairs
(Banking Division) u/s 23A of RRB Act 1976, the erstwhile Marudhara Gramin
Bank and Mewar Aanchalik Gramin Bank were amalgamated into one entity
and a new bank namely Rajasthan Marudhara Gramin Bank , sponsored by
State Bank of India having its Head Office at JODHPUR was formed w.e.f. 01-
04-2014. The area of operation of the Bank is the combined area of operation
of two erstwhile constituent Banks viz. Jalore, Pali, Sirohi, Jodhpur, Jaipur,
Nagaur, Dausa, Jaisalmer, Barmer, Bikaner, Sriganganagar, Hanumangarh,
Udaipur, Rajsamand and Pratapgarh Districts of the state.

The agriculture followed by animal husbandry are the main economic activities
in the area. The agriculture is by and large dependent upon monsoon. The
rainfall is scantly ranging from about 12cms to 63cms per year. The main sorce
of irrigation are dug/tube wells beside a few canals. Three canal projects viz.
Gang canal, Bhkra and Indira Gandhi canal provide irrigation to Bikaner,
Sriganganagar and Hanumangarh districts. The Jawai canal irrigate some parts
of Pali and Jalore districts.

The soil of area is sandy to alluvial and main crops of the area are Bajra , Maize
, Jawar , Oilseeds, Wheat and Pulses. However, with new technology &
improved infrastructure some farmers have shown inclination for cash crops
like Jeera, Isabgol, Tomato, Potato etc. Some progressive farmers have
cultivated herbals and medicinal crops also. Horticulture and fruit plantation is
also fustily picking in some area of operation.

Mission:-

As enacted in the preamble of RRB Act 1976, their mission is to actively


participate in developing of rural economy with main focus on development of
areas like Agriculture and Allied Activities, Small and Medium entrepreneurs,
Artisans, Trade and Commerce etc. Further to empower the rural unemployed
population by the way of Self Help Groups and Joint Liability groups for give
them an opportunity for a better livelihood by believing in serving customer
with compassion for their needs, development and wellbeing.

Vision:

Their vision is to be sound, progressive bank with a strong brand values,


enhancing value for the stake holders and customers through customized
product offerings and simple yet secure IT enabled services. To bring positive
transformation and cultural change in the Banking space in Rural Areas by
integrating Banking services with Information Technology.

Values:

The Rajasthan Marudhara Gramin Bank is built around Key values, which
epitomize the growing strengths of the Bank

 Customer Centric: We put customer at the first place. Our products and
values are aligned towards the customers for delivering greater values for
them.
 Trust: We have a proven track record of over 40 years of trusted
relationship with customers and stake holders and this continue to grow.
 Transparency: RMGB considers Transparency and Accountability to be of
utmost importance and accordingly our policies are drafted and
implemented.
 Focus on the essentials: We do a few things very well, rather than a lot OK.
That means fewer, essential products that deliver greater value.
 Communicate simplicity: Our people, products, and procedures
communicate in the simplest terms to ensure that they are universally
understood.
 Humility: Our employees are humble. We build relationships based on
mutual respect and understanding of each other. Our friendly nature will
make you feel like family.

Sponsorship: Rajasthan Marudhara Gramin Bank(RMGB) is a regional rural


bank in the Rajasthan state of India and is sponsored by the State Bank of
India. It was founded on 1st April 2014 under the Regional Rural Banks Act of
1976 with the prime objective of promoting banking facilities in rural areas and
also promoting trade, agriculture and creating employment opportunities in
small towns and villages of Rajasthan.

Financing

It can be broadly classified into three categories:

1. Personal Banking

Personal Banking refers to a wealth of services available to individuals from


financial institutions. Many of these services may be quite familiar, like savings
and checking accounts, a variety of lending options (personal loans, mortgages
etc.). Others are newer features made possible by the advance of Internet
technology, such as the ability to view and interact with accounts online, make
deposits and payments via phone or online service, or access automated teller
machines (ATM) around the world any time of day or night. Financial
institutions are constantly innovating and adding other personal banking
services every day.

 Deposits
 Insurance
 Saving Accounts
 Loans
 Safe Deposit Lockers
 Government Schemes
2. Business Banking

Bank financing is a primary source of capital for business expansion,


acquisitions and equipment purchases, or simply to meet growing operating
expenses. Depending on a business’ needs, business banks can offer fixed term
loans, short and long term, as well as lines of credit and asset-based loans.
Banks are also a main source of equipment financing, either through fixed
loans or equipment leasing. Some banks specialize in lending in certain
industries, such as agriculture, construction and commercial real estate.

 Current Account
 SME Loan
 Term Lending
 POS Solutions

3. Agriculture Banking

All types of short term, Medium term and Long term loans are offered by the
bank covering every requirement of the farmer. Other benefits like Interest
Subvention, Crop Insurance, Cattle insurance is also offered.

 Kisan Credit Card (KCC)


 Kisan Gold Card
 Tractor & Agriculture Implements
 Dairy
 Goatery, Sheep Rearing etc.
 Agriculture Clinic
 Joint Liability Groups
 Self Help Groups

Rate of Interest

S. No. Loan Products/Schemes ROI on Loans & Advances

Upto Rs. 50000/- 12.00%

Above Rs. 50000/- &


13.00%
upto Rs. 2.00 lacs
Above Rs. 2.00 lacs &
14.25%
upto Rs. 5.00 lacs

Above Rs. 5.00 lacs &


1. Kisan Credit Card 14.25%
upto Rs. 10.00 lacs

Above Rs. 10.00 lacs &


10.50%
upto Rs. 25.00 lacs
Above Rs. 25.00 lacs 10.50%

Upto Rs. 50000/- 12.25%

Above Rs. 50000/- &


13.25%
upto Rs. 2.00 lacs
2. ATL Under KCC

Above Rs. 2.00 lacs &


14.25%
upto Rs. 5.00 lacs

Term Loan 12.25%

7.00% for limits upto Rs.


3. Kisan Samridhi Yojana 3.00 lacs & for greater
CC limits , interest will be
charged as per bank’s
norms

For loan amount upto


12.00%
Rs. 2.00 lacs

Two wheeler/ Four wheeler


4.
loan for farmers For loan amount
greater than Rs. 2.00
12.50%
lacs & upto Rs. 25.00
lacs

5. KCC with Dairy Development For short duration CC 7.00%


Scheme
For TL upto Rs. 5.00
12.00%
lacs

For TL greater than Rs.


5.00 lacs & upto Rs. 13.00%
25.00 lacs

All Ag. Term Loans ,


including KGC, Horticulture, Upto Rs. 50000/- 11.50%
Tractor,vehicle,dairy,poultry,

Solar pumpset, Gramin


Above Rs. 50000/- &
godown , KCC converted ATL 11.50%
upto Rs. 2.00 lacs
etc.
6.

Above Rs. 2.00 lacs &


11.50%
upto Rs. 5.00 lacs

Above Rs. 5.00 lacs &


12.00%
upto Rs. 25.00 lacs

Above Rs. 25.00 lacs 12.00%

7. Other Agriculture Loan ( working capital) 11.50%

8. Loans to SHG Upto Rs. 3.00 lacs 12.50%


Above Rs. 3.00 lacs 13.00%

JLG Agriculture 11.00%

9. Loan to JLG JLG Non Agriculture 11.00%

JLG Dairy 11.00%

Through BC 14.00%

Indirect loans to
10. NGO/NCO/VAS/SHPI lending Upto Rs. 25.00 lacs 12.45%
to SHG*

MSME (Term Loan) including SRWTO, SEP, Retail


11. 12.00%
Trade
MSME (Working Capital) including SRWTO, SEP,
12. 12.00%
Retail Trade

Up to 10.00 lacs 12.50%

All other Non Farm Sector


Above 10.00 lacs & up
13. advances other than MSMEs 11.75%
to 25.00 lacs
(C & I )

Above 25.00 lacs 12.00%

Term Loan 11.00%

Mortgage Loan(against
14.
immovable property) OD Running DP limit 11.25%

OD Reducing DP limit 11.00%

RMGB HOME LOAN


15. Saral Awas Rinn Yojna 8.70% For Men
SCHEMES
8.60% For Women

Corporate Home
10.50%
Loan

Realty Home Loan


8.75%
Scheme

Top up Home Loan


10.00%
Scheme

Maxgain OD Home
9.00%
Loan Scheme

16. SME Saral Loan Term Loan/CC/OD 10.50%

17. SME Connect scheme Term Loan/ CC/OD 9.90%

If Colleteral Security is
9.75%
more than 100%

18. RMGB Doctor plus Scheme

If Colleteral Security is
10.75%
less than 100%

Up to 2.00 lacs 11.20%

19. RMGB VIDYUT E Auto Loan


Above 2.00 lacs & up
11.70%
to 25.00 lacs

20. RMGB TATA Car Loan 8.90%


21. RMGB Shoppe Loan Scheme 11.50%
22. RMGB Professional Plus 11.50%
23. RMGB Roof Top Solar Plant Scheme 10.50%

Upto Rs. 4.00 lacs 11.40%

Above Rs. 4.00


lacs Less than 7.50 11.40%
24. Education Loan lacs

Above 7.50 lacs 10.50%

0.50% lower than the


For girl students
applicable rate
24. Loan to study in Prime Institution 11.55%
25. Consumer durables/Vehicle Loan 13.00%
26. Loan against NSC/KVP/LIC 13.95%

Term Loan - With


11.50%
SI/PDC

Term Loan – With


Salary & Check Off 12.00%
27. Personal Loan Facility

Overdraft Limit – With


12.00%
SI/PDC

Overdraft Limit – With


Salary & Check Off 12.50%
Facility
29. RMGB New Car Loan 8.90%

Upto 3 years 14.00%

30. Used Car


Above 3 years upto 5
15.50%
years

31. RMGB PMJDY OD Loan 11.95%

32. SB cum Overdrafts 16.00%

33. Clean Overdrafts 16.00%


34. Solar Loan Scheme “Soorya Kiran” 11.30%

11.25%
35. Marble Plus Scheme (Term Loan and CC )

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