Tripura Gramin Bank
posts ₹104.91 crore net profit for FY 2024–25, marks zero Net NPAs, 13.60% business growth, and earns national recognition for APY success. With ₹14,085 crore in total business, TGB leads in digital, social, and financial inclusion among India’s Regional Rural Banks.
Tripura Gramin Bank (TGB), one of India’s leading Regional Rural Banks (RRBs), has recorded significant financial achievements for the financial year 2024–25, marking its second consecutive year of net profitability. At a press conference held on Friday, Chairman Satyendra Singh announced that the bank’s total business crossed ₹14,000 crore, reflecting its steady and inclusive growth.
As of March 31, 2025, TGB’s total business stood at ₹14,085.14 crore, comprising ₹10,066 crore in deposits and ₹4,019.14 crore in advances. The bank posted a net profit of ₹104.91 crore—an impressive jump from ₹27.92 crore in the previous fiscal—while operating profit rose to ₹191 crore. The surge in net profit represents a remarkable 275.75% increase year-on-year, underlining the bank’s effective financial strategies and prudent risk management.
Business growth for FY 2024–25 was recorded at 13.60%, up from 9.99% in FY 2023 and 7.03% in FY 2022. This consistent upward trend has strengthened TGB’s position among the 28 RRBs operating in India. The bank has also enhanced its digital footprint and service delivery, operating through 150 branches, 12 ultra-small branches, and 3 regional offices in Agartala, Udaipur, and Kailasahar.
A major highlight of the year was the reduction of Net Non-Performing Assets (NPAs) to zero—an indicator of robust credit appraisal and recovery systems. Gross NPA declined to ₹157.06 crore, with the ratio dropping to 3.91% from 4.69%. The bank’s Capital to Risk-weighted Assets Ratio (CRAR) stood at a healthy 24.50%, significantly above the RBI’s Basel III requirement of 9%.
TGB has actively pursued income diversification, earning ₹1.76 crore from third-party product sales and ₹19.67 crore in capital gains and trading. Interest income from investments rose 10.89% to ₹470.57 crore. Per branch business increased to ₹93.90 crore, and per employee business climbed to ₹15.56 crore, with staff strength growing from 888 to 903.
The bank’s involvement in rural empowerment remains a cornerstone of its mission. TGB has played a leading role in the implementation of government schemes such as PMEGP, Swablamban, SHG Bank Linkage, and PMSvanidhi. It has also contributed to social welfare through CSR initiatives in orphanages, old-age homes, and the Chief Minister’s Relief Fund.
On the digital front, TGB added 37 Business Correspondent agents, reaching 476 BC points, including 98 BC Sakhis. The launch of two solar-powered “TGB on Wheels” vans further improved banking access in remote areas.
TGB’s outstanding performance in the 2024–25 Atal Pension Yojana (APY) campaign also earned it multiple national awards, including the top spot in the APY Olympics.
Chairman Singh concluded by reaffirming the bank’s commitment to financial inclusion, digital innovation, and rural development, positioning Tripura Gramin Bank as a role model in India’s regional banking sector.
