Chairman's Message


Dear visitor ,

As we are stepping into our 41st anniversary today (i.e.09.03.2017) we have immense pleasure in presenting an updated, user friendly and more informative version of our website, which we are dedicating to viewers for better understanding of our Bank.

We present ourselves as a 40 year old young bank with a very modern outlook, socially oriented more towards upliftment of farmers and other rural people. With the active support of NABARD , our Sponsor Bank i.e. Indian Overseas Bank and our customers spread across 16 districts of Tamil Nadu, from a small beginning in 1977 today we have organically grown into a strong Regional Rural Bank with excellent financial credentials. We are one of the strongest Regional Rural Banks in India with a high capital adequacy ratio of 19.10% as on date, lowest Gross NPA of 1% (Net NPA- Nil), Continuous profitability record for over two decades. We have a dedicated workforce of around 1,300 employees (shortly to get increased to around 1,550) who are well trained to be courteous and friendly in customer service. Our Branch network as on date is 313, spread across 16 districts of Tamil Nadu and is on an expansion mode year after year. While our interest rates for deposits are above those offered by other banks, our interest rates for loans are very competitive and amongst the lowest offered in the Indian Banking Industry.

We are a very dynamic and socially oriented Bank and understand the banking needs of the people of Tamil Nadu very well, especially of those living in rural and semi-urban areas of the state. We have carefully devised various deposit and credit schemes in tune with the requirements of various sections of the society. This has contributed immensely to the growth of our Bank consistently over the years.

Our Bank has taken the right initiatives towards digitalization and is in the process of offering the best available IT products to our customers at very affordable costs. Our loan applying formalities are very simple and the turnaround processing time is very quick. We ensure quick and efficient service and our staff are a very simple lot who are very easily approachable to customers. They ensure that all our customers are well received and made comfortable through a courteous service.

We invite the viewer to become a customer of our Bank and feel the difference.

With best regards,



N. RAVICHANDRAN
(Chairman)
Pandyan Grama Bank

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