Uttarakhand Gramin Bank was formed on 1 November 2012 through the merger of Uttaranchal Gramin Bank and Nainital Almora Kshetriya Gramin Bank, both sponsored by State Bank of India, which remains the bank’s sponsor today. Headquartered in Dehradun, it’s the second-largest bank in Uttarakhand by branch network after SBI itself, running 297 branches across all 13 districts of the state — a footprint that stretches from the plains near Haridwar and Udham Singh Nagar to some of the most remote hill terrain in the country.
Daily Branch Hours
Most branches open for customer transactions at 10:00 AM, with general services running until 4:00 PM, the standard pattern followed across regional rural banks in this series.
| Day | Branch Hours |
| Monday–Friday | 10:00 AM – 4:00 PM |
| Working Saturdays | Same general pattern |
| 2nd & 4th Saturday | Closed |
| Sunday | Closed |
| National/State Bank Holidays | Closed |
Staff are usually present earlier for internal preparation, but customer-facing counter services officially begin only once systems and cash counters are ready at 10:00 AM. Given the terrain and limited connectivity across much of Uttarakhand’s hill districts, timing discipline here is described as taken particularly seriously — more so than at a bank serving flatter, more accessible territory.
Cash Counter Cutoff
Cash-related services carry a firm 3:30 PM cutoff, half an hour ahead of the branch’s general 4:00 PM close. Given how many customers in Uttarakhand’s hill branches specifically travel considerable distances — sometimes across genuinely difficult mountain roads — to reach a branch, missing this window often means the work shifts to the next working day rather than being handled with any flexibility. Reaching the branch before 3:00 PM is the safer target if cash is the reason for your visit.
RTGS and NEFT: Standard Framework, Confirmed Service
Uttarakhand Gramin Bank’s own branch locator confirms it offers NEFT, IMPS, RTGS, AEPS, Inter Branch Transfer, NACH & MMS, and APBS/DBT among its core payment services:
- NEFT, RTGS, and IMPS through the branch — confirmed available, following the standard RBI framework applied industry-wide
- AEPS (Aadhaar Enabled Payment System) — specifically listed, useful for rural customers accessing banking without a full branch visit in remote areas
- Online NEFT and RTGS — should follow the standard 24×7 rule applied nationwide, though a specific hourly cutoff table for branch-based transfers wasn’t published with much detail on the bank’s own site
Given the limited granular documentation and the genuine terrain-related access challenges some hill branches face, confirming exact transfer cutoffs directly with your branch — by phone where a visit isn’t practical — is the more dependable approach.
Lunch: No Full Closure
Uttarakhand Gramin Bank does not close branches completely during lunch hours. Following the pattern typical across regional rural banks in this series, staff most likely rotate through breaks, with late morning consistently cited as the fastest window for most services.
Best Time to Visit
10:00 AM to 11:30 AM is specifically recommended for smoother service, particularly at hill branches. Given the genuine travel time many customers face across Uttarakhand’s mountainous terrain, and the firm 3:30 PM cash cutoff, planning a visit early in the day — rather than treating the full 4:00 PM window as available — matters more here than at almost any other bank in this series outside the northeast.
Working Saturdays
The bank follows RBI-mandated weekend norms applicable to Regional Rural Banks: closed on the 2nd and 4th Saturday of each month, operating on the remaining Saturdays under standard hours.
Beyond Branch Hours
- Mobile Banking, Internet Banking, and WhatsApp Banking — all confirmed available, supporting balance checks, fund transfers, and DBT-related services, particularly useful for customers in remote areas
- NEFT, RTGS, IMPS, and AEPS — all confirmed through the bank’s branch and digital channels
- SMS Alerts and Missed Call Alerts — additional lightweight access channels
- Pensioner Cell — a dedicated service line, reflecting the bank’s significant role in pension disbursement across the state
- Government scheme access — the bank supports Pradhan Mantri Awas Yojana, PMEGP, Veer Chandra Singh Garhwali Yojana, Jan Dhan Yojana, and other regional and national schemes
FAQs
Q1. What are Uttarakhand Gramin Bank’s standard branch hours?
10:00 AM to 4:00 PM on working days and working Saturdays, following the standard Regional Rural Bank pattern.
Q2. How did Uttarakhand Gramin Bank come to exist?
It formed on 1 November 2012 through the merger of Uttaranchal Gramin Bank and Nainital Almora Kshetriya Gramin Bank, both sponsored by State Bank of India, its current sponsor.
Q3. When does cash work actually stop?
3:30 PM, treated as a firm cutoff given how far some customers in hill regions travel to reach a branch.
Q4. Does Uttarakhand Gramin Bank close for lunch?
No. The branch doesn’t shut down entirely during lunch, with staff most likely rotating through breaks following standard practice.
Q5. Is Uttarakhand Gramin Bank open on all Saturdays?
No — it closes on the 2nd and 4th Saturday of each month, following the standard RBI rule for Regional Rural Banks, with service continuing on the remaining Saturdays.
