RTI | Kerala Grameena Bank

Functions: Though the bank is Regional Rural Bank, KGB delivers all the major functionalities of a PSB. The major focus of the bank is to initiate appropriate intervention for overall economic upliftment and advancement of the people of Kerala by giving financial assistance to the sectors like Agriculture, Micro, Small and Medium Enterprises, education, housing, micro-credit, weaker sections, SC/ST communities etc.

Deposits	Loans	Other Activities
Current Account	KGB Surya (Solar)	Tenders
Savings Bank Account	Home Loans	Complaints
Recurring deposit	Vehicle Loan
Flexi Recurring Deposits	Gold Loan
Daily Deposit	Personal Loans
Term Deposits	Education Loans
Tax Saver Deposits	Housing Loan with Solar Rooftop
Deposit Interest Rates	Loan Against Term Deposit
Deposit Interest calculator	Loan Interest Rates
	EMI Calculator
	Balance Transfer

Section 4.1.b.ii The powers and duties of its officers and employees

Credit Sanctioning Powers

Section 4.1.b.iii The procedure followed in the decision making process, including channels of supervision and accountability

Different powers have been delegated by the Board of Directors to the officers at various levels for smooth functioning. Branches receive applications for credit facilities and recommend to the appropriate sanctioning authority. All credit decisions approved by any sanctioning authority are reported to the next higher authority for control & review purpose. There is a well defined organizational structure and clear system of accountability based on RBI / CVC guidelines. In order to exercise supervision and fix accountability / responsibility various control measures have been put in place. The system of exercising proper delegation of power and submission of control reports is in place and they are monitored by control officers and through internal inspection.

Section 4.1.b.iv The norms set by it for the discharge of its functions

Directions received from Ministry of Finance, Government of India, Reserve Bank of India, NABARD and/or approved by the Board of our Bank are the guiding principles for discharging various functions. Whether to sanction a loan or not, is the absolute discretion of the concerned sanctioning authority of the Bank and such discretion is exercised, after taking into consideration the relevant facts and circumstances of each case.

Section 4.1.b.v The rules, regulations, instructions, manuals records, held by it or under its control or used by its employees for discharging its functions:

Best Practice Code (Manual of Instructions) on all our products, periodical circulars, Hand books, Policy Guidelines etc., is made available to all employees for discharging various functions. These are all meant for internal circulation and cannot be shared with public.However, certain information on Deposit, Loan & other Products, scheme guidelines, eligibility etc., are available in websites.

Payment of Gratuity Act

Pension Regulation

Service Regulation

Sexual Harassment

RTI Act - Malayalam

RTI Act - English

RTI Act -Hindi

Section 4.1.b.vi A statement of the categories of documents that are held by it or under its control

Documents, as required under law, rules and regulations, such as, Balance Sheets, record of the staff, licenses obtained from RBI / other competent authorities for opening branches / offices etc., are held by the Bank. Annual Report / Quarterly Reports of our Bank are made available on our website.
Financial Results Click here .
Documents submitted as security for advances are kept at notified centres i.e., branches and all other documents related to licensing, investment, agreements and documents such as MOU are kept at administrative offices.

Section 4.1.b.vii The particulars of any arrangement that exists for consultation with or representation by, the members of the Public in relation to the Formulation of its policy or implementation thereof.

Bank is inviting suggestions from employees. Good suggestions are being taken into consideration while formulating policies.Bank's quarterly results and annual results / reports are published in the Bank's website periodically for information of public which would give an idea about the policies of the bank and implementation thereof.
Financial Results Click here
Board of Directors, which formulates and implements its policy, also includes representatives nominated by Government of India.

Section 4.1.b.viii A statement of the boards, councils, committees and other bodies consisting of two or more persons constituted as its part or for the purpose of its advice, and as to whether meetings of those boards, councils, committees and other bodies are open to the public, or the minutes of such meetings are accessible for public.

Boards of Directors are constituted under the Regional Rural Banks Act, 1976.Various committees as per the requirement of the Bank are formed as per the approval of Board or by the top management, as per the powers delegated by the Board. Publics are not entitled to participate on the meetings of the Board / Committees and minutes are not accessible to Public.

Board of Directors management and composition

Details of Board Level Committees Name of directors during the FY 2025-26

Name of directors and no. of meetings attended by them

Internal Complaints committee

Section 4.1.b.ix A directory of its officers and employees

A directory of officers and employees with cadre, place of posting may be seen in following link. Efforts are made to keep the same updated from time to time.

List of Branch Head

List of RMs

Section 4.1.b.x The monthly remuneration received by each of its officers and employees, including the system of compensation as provided in its regulations

Remuneration of the Chairman & Managing Director as well as the Executive Director of the Bank is fixed by the Government of India. As regards the remuneration of other officers / employees, the same is fixed as per the service regulations / settlements reached with unions.

Salary structure of staff of the Bank

11TH BIPARTITE (w.e.f 01.11.2017)

Scale - I

: 36000 - 1490/7 - 46430 - 1740/2 - 49910 - 1990/7 - 63840.
Scale - II

: 48170 - 1740/1 - 49910 - 1990/10 - 69810
Scale - III

: 63840 - 1990/5 - 73790 - 2220/2 - 78230
Scale - IV

: 76010 - 2220/4 - 84890 - 2500/2 - 89890
Scale - V

: 89890 - 2500/2 - 94890 - 2730/2 - 100350
OAST

: 17900 - 1000/3 - 20900 - 1230/3 - 24590 - 1490/4 - 30550 - 1730/7 - 42660 - 3270/1 - 45930 - 1990/1 - 47920
OATD

: 14500 - 500/4 - 16500 - 615/5 - 19575 - 740/4 - 22535 - 570/3 - 25145 - 1000/3 - 28145

Scale I - 4 stagnation increments for every 3 completed year of service of which first 2 shall be Rs.800/- each and next 2 Rs.900/- each
Scale II - 3 stagnation increments of Rs.900/- each for every 3 completed years of service

List of Employees with Gross Salary

Section 4.1.b.xi The budget allocated to each of its agency, indicating the particulars of all plans, proposed expenditures and reports on disbursement made

Not applicable to Kerala Grameena Bank

Section 4.1.b.xii The manner of execution of subsidy programs, including the amounts allocated and the details of beneficiaries of such programs.

Not applicable to Kerala Grameena Bank

Section 4.1.b.xiii Particulars of recipients of concessions, permits or authorizations granted by it.

Not applicable to Kerala Grameena Bank

Section 4.1.b.xiv Details in respect of the information available to or held by it reduced in an electronic form

Details of products and services offered by the Bank are made available on our website.

Section 4.1.b.xv The particulars of facilities available to citizens for obtaining information, including the working hours of a library or reading room, if maintained for public use

Kerala Grameena Bank is not maintaining any Library/Reading Room for Public.

Section 4.1.b.xvi The names, designations and other Particulars of the Public Information Officers.

All Kerala Grameena Bank Branch Heads are designated as 'Assistant Public Information Officers' to receive the RTI application and to forward the same to the concerned Central Public Information Officers of the Region Office / Head Office as per Section 5(2) of RTI Act, 2005. Central Public Information Officers (CPIOs) are nominated for all the 10 Regional Offices, and for Head Office. One First Appellate Authority (FAA) is nominated for Head office. Hence there are 11 CPIOs & 1 FAA in our Bank to ensure prompt disposal of applications / appeals under RTI Act 2005. Executives of the Rank of Scale-IV or above are nominated CPIOs and the Executives with one Scale above the Rank of CPIO are nominated as FAA for Head Office & all Regional Offices. Region-wise list of Central Public Information Officers & First Appellate Authority along with their Name, Designation, Office Address are published below.

Name & Address of Chief Information Officer and Appellate Authority

Sri. Pradeep Padman
General Manager
Kerala Grameena Bank
Head Office
Malappuram

Name & Address of Central Public Information Officer, Head Office

Sri. Krishnakumar A P
Chief Manager
Kerala Grameena Bank
Head Office: R & L Wing
Malappuram

Name & Address of Central Public Information Officer, Kasaragod Region

Sri. Gopakumar K
Regional Manager
Kerala Grameena Bank
Regional Office
Kasaragod

Name & Address of Central Public Information Officer, Kannur Region- 1

Smt. Bindu K R
Regional Manager
Kerala Grameena Bank
Regional Office
Kannur

Name & Address of Central Public Information Officer, Kannur Region- 2

Sri. Nandakumar T V
Regional Manager
Kerala Grameena Bank
Regional Office
Thalassery

Name & Address of Central Public Information Officer, Ernakulam Region

Smt. Remya A G
Regional Manager
Kerala Grameena Bank
Regional Office
Ernakulam

Name & Address of Central Public Information Officer, Wayanad Region

Sri. Surendran T V
Regional Manager
Kerala Grameena Bank
Regional Office
Kalpetta

Name & Address of Central Public Information Officer, Kozhikode Region

Sri. Rahul Kumar K
Regional Manager
Kerala Grameena Bank
Regional Office
Kozhikode

Name & Address of Central Public Information Officer, Malappuram Region

Sri. Jayaram P D
Regional Manager
Kerala Grameena Bank
Regional Office
Malappuram

Name & Address of Central Public Information Officer, Thrissur Region

Smt. Sreeletha Varma C
Regional Manager
Kerala Grameena Bank
Regional Office
Thrissur

Name & Address of Central Public Information Officer, Trivandrum Region

Sri. Subrahmanyan Potti M
Regional Manager
Kerala Grameena Bank
Regional Office
Thiruvananthapuram

Name & Address of central public Information Officer, Kottayam Region

Sri. Suresh Kumar G
Regional Manager
Kerala Grameena Bank
Regional Office
Kottayam

Name & Address of Central Public Information Officer, Pathanamthitta Region

Sri. Unnikrishnan S
Regional Manager
Kerala Grameena Bank
Regional Office
Pathanamthitta

Name & Address of Central Public Information Officer, Palakad Region

Sri. Rajagopalan V K
Regional Manager
Kerala Grameena Bank
Regional Office
Palakkad

All Managers of branches/offices are the Asst. Public Information Officers for assisting CPIO.

Section 4.1.b.xvii Transfer policy

Policy on Transfers 2025-26

Section 4.1.b.xviii Such other information as may be prescribed

Self Appraisal Report for the FY 2023-24

Right to Information Act Website

Link to Right to Information Act Website :

www.rti.gov.in

Service charges details.

Service charges and fee

Unit cost of products

INFORMATION DISPLAYED IN TERMS OF PROVISION UNDER RIGHT TO INFORMATION ACT, 2005

Right to Information Act

SUO –MOTU DISCLOSURE

Information displayed in terms of provision under Right to Information Act 2005

Salary structure of staff of the Bank