Pallavan Grama Bank, Sponsored by Indian Bank was formed on 31-08-2006 by amalgamation of erstwhile Adhiyaman Grama Bank, Dharmapuri & Vallalar Grama Bank, Cuddalore as per GOI Gazatte Notification dated 31-08-2006.

Area of Operation

Prior to amalgamation, Adhiyaman Grama Bank with its Headquarters at Dharmapuri was functioning in two districts viz. Dharmapuri & Krishnagiri and Vallalar Grama Bank with its Headquarters at Cuddalore was functioning in two districts viz. Cuddalore and Villupuram After amalgamation, the Bank has been allotted additional 11 Districts viz., Coimbatore, (Tiruppur.) Erode, Kancheepuram, Karur, Namakkal, Nilgiris, Salem, Thiruvallur, Thiruvannamalai and Vellore taking the total number of districts to 15.

Share Capital

The authorised capital of the Bank is Rs.2000.00 lakhs and the paid up capital is Rs.655.78 lakhs shared by the shareholders as below.

Government of India (50 %)
- Rs. 327.89lakhs
Government of Tamil Nadu (15 %)
- Rs. 98.37 lakhs
Indian Bank (35 %)
- Rs. 229.52 lakhs


Human Resource Development

The Bank had total staff strength of 685 as on 31.03.2017





Office Assistants


Office Attendants





  • Bank introduced many new deposit products –
  • Pallavan 999
  • Pallavan Subiksha
  • Pallavan 555
  • Pallavan Muthusaram RD
  • Pallavan Surabhi RD to improve the customer base
  • Deposit schemes Pallavan Chutti Plus and Pallavan Youth Plus were introduced to inculcate the savings habit among the budding children..

Priority Sector lending

  • Priority Sector advances as on 31st March 2016 Rs.2272.00 crores which is 84.83% of total advances

Agricultural Credit

    Lending to Agriculture remains one of the major thrust areas of the Bank. Bank has continued to focus on qualitative credit growth and faster credit delivery with special emphasis on agricultural activity. The disbursement made by the Bank under agricultural credit was Rs.3117.90 crores. Of which Rs.2013.48 crores towards crop credit and Rs.1104.42 crores for investment credit (Term) extending credit to 385536 farmers Financial assistance has been extended to 165725 new farmers covering on an average of 727 farmers per branch,. The total agricultural advances stood at Rs.1949.29 crores as March 2016 and constituted 72.78% of the Gross Bank credit against Rs.1234.46 crores constituting 55.78% as on March 2015. Investment credit in Agriculture continues to be focus area of our Bank. Credit flow through Investment Credit can scale up capital formation under agriculture. The total outstanding under Investment credit is Rs.354.77 crores constituting 13.25% of total advances. Dairying is a most common investment activity taken up by farmers as a supplementary activity in rural areas. Our Bank has formulated a new scheme called “PALLAVAN GOMATHA PLUS” wherein financial support could be extended for setting up small dairy farms by farmers and agricultural labourer to increase their income and employment level.

Kisan Credit Card

    During the year, the Bank has issued 85912 Kisan Credit Cards involving Bank credit to the tune of Rs.557.25 crores. As of March 2016, the outstanding advance under KCC is Rs.492.44 crores and the number of outstanding cards is 74302. All the Kisan Card holders are covered under PAIS. (Personal Accident Insurance Scheme)

Women Development Cell

    The Bank through its Women Development Cell has implemented many schemes for the upliftment and empowerment of the Rural Women. The objective of the Cell include identifying the potential areas for development of women either on individual or group basis, preparation of gender responsive policies for enhancing the coverage of women initiating schemes to increase the flow of credit to women. During the year the Bank has credit linked 19460 groups to the tune of Rs.642.54 crores, including fresh linkage to 4112 groups. The total outstanding of SHG as of 31.03.2016 is Rs.343.01 crores covering 20113 groups. It constitutes 12.81% of the total advances. As on 31.03.2016 as many as 40773 SHGs are having SB accounts with the Bank of which 6787are fresh accounts opened during the year.

Farmers Club

    The Bank has so far formed 175 Farmers Clubs. The Bank considers that the clubs provide excellent support for extension of Bank’s various schemes of deposits and advances, formation of SHGs and recovery of Bank’s dues, follow up etc.

Joint Liability Groups

    Bank has formed and financed 4039 JLGs to the tune of `47.72crores during the financial year 2015-16 for various income generating activities

Financial Inclusion Plan

    As per extant guidelines issued by the Government of India, Reserve Bank of India, NABARD and Indian Bank (Sponsor Bank), our Bank is implemented Financial Inclusion Plan (FIP) in 68 villages with population having more than 2000 in Dharmapuri, Krishnagiri, Cuddalore, Villupuram and Salem districts. The bank has also implemented the FIP in 154 villages having population below 2000 covering all our 5 command districts.

    Accordingly FIP has been prepared for providing banking services in all the villages with population above 2000 and below 2000 allotted to our bank covering 160000 households. 56 of our branches are to implement this Financial Inclusion Solution Project.

    A comprehensive financial inclusion plan for our bank has been formulated as “PALLAVAN SEVA GRAM PROJECT” which includes all aspects of Financial Inclusion activities.

    The bank has introduced two new products, “Pallavan Akshaya Savings Bank”, a No Frill product having mandatory overdraft facility from Rs.500/- to Rs.5000/- which will be provided at the time of opening of account itself. The other one is “Pallavan Kathiroli Kanakku”, a General Credit Card product to cater the need for small traders by providing overdraft facility upto Rs.25000/-.