Assam Gramin Bank carries a name change worth knowing about upfront — it operated as Assam Gramin Vikash Bank from its founding in January 2006 until a 2025 rebrand shortened it to its current name. The bank itself formed through the merger of five older regional institutions — Pragjyotish Gaonlia Bank, Lakhimi Gaonlia Bank, Cachar Gramin Bank, Subansiri Gaonlia Bank, and Langpi Dehangi Rural Bank — and today runs as a Regional Rural Bank sponsored by Punjab National Bank, with ownership split between the Government of India (50%), the Government of Assam (15%), and PNB itself (35%). It operates around 473 branches across Assam, focused on the same core RRB mission every bank in this category shares: bringing formal banking to rural and semi-urban communities.
Daily Branch Hours
The bank’s own customer service documentation confirms 10:00 AM to 4:00 PM, Monday through Saturday, with the standard 2nd and 4th Saturday exception.
| Day | Branch Hours |
| Monday–Friday | 10:00 AM – 4:00 PM |
| 1st, 3rd, 5th Saturday | 10:00 AM – 4:00 PM |
| 2nd & 4th Saturday | Closed |
| Sunday | Closed |
| National/State Bank Holidays | Closed |
This is a genuinely well-confirmed figure — sourced directly from the bank’s own contact information page rather than pieced together from third-party guides, which puts it on firmer footing than several other regional rural banks covered in this series.
Cash Counter Cutoff
No distinctly separate, bank-published cash-specific cutoff figure was found beyond the general branch hours. Following the pattern typical across regional rural banks in this series — where cash and pension-related transactions form a significant part of daily branch traffic — cash counters likely wind down in the 20 to 30 minutes before the 4:00 PM close. Treat 3:30 PM to 3:45 PM as a reasonable arrival target for cash-related work, particularly given how central cash and government scheme disbursements tend to be at RRBs generally.
RTGS and NEFT: Confirmed Service, Standard Framework
Assam Gramin Bank’s own materials confirm it supports RTGS, NEFT, and IMPS for customers, following the standard RRB framework:
- RTGS through the branch — available during weekdays and Saturdays, unavailable on Sundays and national holidays, per the bank’s own IFSC documentation; used specifically for transfers of ₹1 lakh and above, initiated either through net banking or by visiting a branch
- NEFT — used for smaller transfers below the RTGS threshold, following the standard RBI settlement framework
- Online NEFT and RTGS — should follow the standard 24×7 rule applied industry-wide, though the bank’s own site doesn’t spell out hourly cutoffs with the same detail some larger sponsor banks do
Given the relative scarcity of granular, bank-published cutoff detail here, confirming exact transfer windows directly with your branch is the more dependable approach for anything time-sensitive.
Lunch: Standard Practice Assumed
No confirmed, bank-specific lunch-hour figure was found for Assam Gramin Bank in available sourcing. As with most Indian banks, staff most likely rotate through breaks rather than closing the branch entirely, commonly falling somewhere in the 1:00 PM to 2:00 PM range industry-wide. Treat this as a reasonable assumption based on standard practice rather than a confirmed detail specific to this bank.
Best Time to Visit
In the absence of branch-specific guidance beyond the confirmed hours, the general rule that applies across Indian banking holds here too: mornings, within the first 60 to 90 minutes after the 10:00 AM opening, tend to offer the shortest queues and least risk of running into an afternoon cutoff. Given Assam Gramin Bank’s role in disbursing pensions and government scheme benefits across rural Assam, some branches may see particularly steady footfall tied to specific payment dates — worth keeping in mind if your visit coincides with a common disbursement period.
Working Saturdays
Confirmed directly by the bank: closed on the 2nd and 4th Saturday of each month, operating on the 1st, 3rd, and 5th, following the standard rule applied to Regional Rural Banks across India.
Beyond Branch Hours
- Net Banking — supports NEFT, RTGS, and account management, per the bank’s own service listing
- RTGS and NEFT (online) — should follow the standard 24×7 rule, per RBI’s nationwide framework
- Government scheme access — the bank explicitly supports Atal Pension Yojana, Pradhan Mantri Jan Dhan Yojana, Pradhan Mantri Suraksha Bima Yojana, and Pradhan Mantri Jeevan Jyoti Bima Yojana, reflecting its core role in rural financial inclusion
- SMS Alerts, UPI, and ATM/Debit Card services — all supported, per the bank’s own service documentation
- Utility bill payment — also available through the bank’s standard service channels
FAQs
Q1. What are Assam Gramin Bank’s standard branch hours?
10:00 AM to 4:00 PM, Monday through Saturday, with the standard 2nd and 4th Saturday closure — confirmed directly through the bank’s own contact documentation.
Q2. Was Assam Gramin Bank previously known by a different name?
Yes — it operated as Assam Gramin Vikash Bank from its 2006 founding until a 2025 rebrand shortened the name to Assam Gramin Bank.
Q3. Does Assam Gramin Bank close for lunch?
No confirmed bank-specific figure exists, but following standard Indian banking practice, staff likely rotate through breaks rather than closing the branch entirely.
Q4. Is Assam Gramin Bank open on all Saturdays?
No — the bank closes on the 2nd and 4th Saturday of each month, confirmed directly, with service continuing on the remaining Saturdays.
Q5. Which bank sponsors Assam Gramin Bank?
Punjab National Bank, which holds a 35% ownership stake, alongside the Government of India (50%) and Government of Assam (15%).
