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Sh. Parvinder Bharti
Chairman
 
  ABOUT US  
     
 
EllaquaiDehati Bank, sponsored by State Bank of India, India's largest bank is jointly owned by the Govt. of India, State Bank of India and Jammu & Kashmir. The Bank has been established on the 16th of July 1979 under the RRBs Act1976. The area of operation of the Bank was initially limited in 4 districts of Kashmir valley only but after the turmoil in the valley in 1989 and the migration of staff to plains, the area of operation was extended to the districts of Udhampur and Doda in 1992 and district Jammu in 1994. Later with the reorganization of district, Ramban, Reasi, Kulgam, Ganderbal and Shopian districts were also included in the area of operation of the Bank.

Our bank has its presence in both the divisions of the J&K state and has at present a branch network of 133 Branches and six extension counters spread across thirteen districts of the State. Over the years, the role of Regional Rural Banks has assumed greater significance in view of the increased focus on the development of the agriculture sector in particular and rural economy as a whole. Our Bank has fine-tuned its strategies to fulfil the role of a rural financial institution, is quite evident from the Bank's performance in previous years.

State of Jammu and Kashmir The State of Jammu and Kashmir is undoubtly the most beautiful state in the country, surrounded by the mighty Himalayas and many other lofty mountain ranges the state is blessed with deep valleys and breathes taking sceneries. Tourism is the moneychurner in the Kashmir valley and Ladakh region whereas pilgrimage tourism is giving constant throttle to the economy of the Jammu region. The Population of Jammu and Kashmir according to the 2011 census stands at about 12 million, making it the 19th most populated state in India. The state is located in the northern part of the country and forms the northern boundary of the country. The state is spread over an area of about 220000 sq. km. making it the 10th largest state in the country in terms of area.

The density of population per sq. Km. is about 56 and fairly below the national average, this is mainly due to the presence of snow covered hills and mountain ranges in the majority part of the state. The state has a growth rate of about 23% which slightly exceeds the national growth rate of about 17%. The population of the state is facing many issues which are preventing it from prospering as a flourishing state. The literacy rate in the state is about 68% a figure that needs attention from the government. The constant warring atmosphere and fear of attacks from across the border have impacted the prospects of education in Jammu and Kashmir. The sex ratio in Jammu and Kashmir leaves a lot to be desired as it lags behind the national average by a huge gap. The sex ratio will improve only if the government in the state makes efforts to elevate the way of life of women in the Kashmir valley.

The capital city which is also the largest city in the state of Jammu and Kashmir is Srinagar. The languages spoken in the Jammu and Kashmir state includes Kashmiri, Dogri Punjabi, Gojri, Pahari, Ladakhi, Dardi, Shina, Shirazi ,Balti , Baderwahi, Kishtwari, Bhoti and Paddri. In total Jammu and Kashmir state comprises of 22 districts. The State comprises of three regions namely Jammu, Kashmir and Ladakh having distinct geographical outlook and agro climatic zones. Each zone having its own characteristics that largely determine the cropping pattern and productivity of crops. Paddy is the main crop of Kashmir, followed by maize, oilseeds, pulses, vegetables, fodder and wheat. In Jammu region, wheat is the prominent crop followed by maize, paddy, pulses, oilseeds, fodder, vegetables and other crops while in Ladakh, barley is the major cereal crop followed by wheat. State also has the honor of being amongst the world's few places where quality saffron is cultivated. Pampore tehsil of district Pulwama, which is situated at a distance of 15 kilometers from Srinagar, is famous for its high grade saffron in the world. Saffron is also grown, though on a limited scale in Kishtwar district of Jammu region. The production of three major crops paddy, maize and wheat in J&K state is more than 90% of the total food grain production of all crops and rest is shared by other cereals and pulses. Agriculture plays a very prominent role for development of economy of J&K State. Around 70% of the population in the State gets livelihood directly or indirectly from the Agriculture and allied Sectors. Banking Facilities in the State A well-structured and efficient network of financial institutions helps to boost the economic growth. These financial institutions provide credit to all sections of the society and for infrastructure projects at reasonable rates. After liberalization the international financial institutions transformed the conservative financial sector to a dynamic one.  
 
Organizational Structure
 
Bank has three tier structure:-
 
1. Head Office
2. Regional Office
3. Branch
 
Administrative set up at Head Office Consists of following departments:-
 

1.Personnel & HumanResources
2.Planning, Development &GeneralAdministration
3.Audit &Inspection
4.Accounts
5.Advances & NPA Management
6.Investment & Information Technology
7.CrossSelling Business Unit
8. Chairman Secretariat

 
These departments are headed by Officers of comparable seniority and experience.
 
The allocation of branches among different Area Offices is under:-
 
  • Region- I includes : Branches in district Srinagar, Ganderbal Budgam and part of Pulwama
  • Region- II includes : Branches in district Anantnag, Kulgam, Shopian and part of Pulwama
  • Region- III includes : Branches in district Jammu, Samba, Reasi ,Udhampur and Doda
 
Staff Strength
Bank has total staff strength of 382 as on 31.3.2011. Of this 158 i.e. 41.51% are officers, 136, i.e.35.51% clerical and 88 i.e.22.97% sub- staff. Out of this 8 officers & 29 clerks are on deputation till superannuation with the sponsor bank/ other RRBs
 
 
New Initiatives.
I. Information and Technology
In nutshell the progress of computerization of the bank is as under:
i)  Our 39 branches, branches and Head office of the Bank are computerized and 14 branches are on Core Banking Solution.
ii) The bank has introduced SMS Banking facility at Main Branch.
 
 
Branch Network
 
As on 31-03-2010 we have 107 branches and 3 Extension counters with the following District-wise/Area-wise break up.
 

Places

No. of Branches

No. of Extension counters

No. of semi-urban branches

No. of urban branches

No. of Rural branches

Srinagar

15

0

2

5

8

Ganderbal

9

1

9

0

0

Budgam

13

1

11

2

0

Anantnag

16

0

15

1

0

Kulgam

11

0

11

0

0

Pulwama

13

0

12

1

0

Shopian

5

0

5

0

0

Jammu

16

1

6

1

9

Sambha

1

0

1

0

0

Udhampur

7

1

5

2

0

Reasi

2

0

1

1

0

Doda

3

1

1

2

0

Total

111

5

79

15

17

 

We plan to open 09 additional branches during 2011-12 in our area of operation. We are also planning to open 3 branches in our extended area of operation, district Ramban including one in Banihal, during the financial year 2011-12.

We also propose to reopen all those branches, which were earlier closed due to hostile law and order situation. We have drawn a road map in this regard. 

 
 
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