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Chairman Message

"Cooperation is the thorough conviction that nobody can get there unless everybody gets there."

Dear team HPGB,

As we move to new financial year 2019-20 I would like to thank each and every member of HPGB Parivaar for their great dedication and commitment to take the bank to new heights. Total business of the bank stands on 6946 with YoY growth of 15.50% as on 31.03.2019.
Himachal Pradesh Gramin Bank at a glance as on 31.03.2019
PARTICULARS 31.03.18 31.03.19 YoY Growth %
Total Business 6014 6946 15.50
Core Deposits 4468 5098 14.09
CASA 1812 2099 15.83
CASA % 40.55 41.17 0.62
Total Advances 1545 1848 19.56
CD Ratio 34.58 36.24 1.66
Net Profit 4.62 6.95 50.43
Gross NPA 140.81 114.36 -18.78
Gross NPA % 9.11 6.19 -2.92


While every year we add more services and improved offering, it is the trust that our customers held with us that has helped us to grow to this stage. I thank our esteemed customers for their continued belief in us and we assure to support them in every possible way that we can in future also.

A new fiscal year is the perfect time to take a close look at the business strategy and ensure that it’s still tracking in the right direction – that will ensure that we are headed for the light at the end of the tunnel.

Although, we were able to accomplish the targets set for the current financial in most aspects but there is still plenty to be achieved specially Gross NPA which still stands at 114.4 crores. I have complete belief in all members of the team that they will keep their noses to grindstone to further reduce the NPA.

In this new financial year 2019-20, let us take a pledge together to grow our businesses and services even further, in a way that we embark onto a profitable, peaceful and prosperous financial year. Businesses and markets all around is evolving, business patterns are changing, understanding the change and being aware is the key to growth.

I have full confidence in my vibrant staff that they will take the bank to greater success in the next financial year.

With warm regards,