Ellaquai Dehati Bank overview

Ellaquai Dehati Bank

Gramin banks are established in the regulation of the RRB Act 1976. RRB has been progressively gaining interest in the banking sector. The development of agriculture in the state is the result of the growth of regional banks.  Ellaquai Dehati Bank is a regional bank of Jammu and Kashmir, India. EDB bank was started on 16th July 1979 as per the RRB Act. It is headquartered in Srinagar, Jammu, and Kashmir, India. The majority shares of the bank are held by Government of India.

Ellaquai Dehati Bank
Image Source: rising kashmir

The division of shares are as follows: Government of India (50%), Sponsor Bank – State Bank of India (35%) and the State Government of Jammu and Kashmir (15%). The bank serves in the rural, semi-urban and urban areas of the state of Jammu and Kashmir. Mr. Parvinder Bharati is the chairman of Ellaquai Dehati Bank.

Ellaquai Dehati Bank IFSC Code

Ellaquai Dehati Bank is spread all over the state having 117 branches and 3 extension centers, covering 13 of 22 districts. The districts covered by EDB bank are Samba, Srinagar, Budgam, Doda, Ganderbal, Anantnag, Pulwama, Jammu, Shopian, Kulgam, Udhampur, Reasi, and Ramban. The IFSC codes of the bank are SBIN0RRELGB.

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Banking and Financial Services

The banking facilities available are:

  • Current Account
  • Savings Account
  • Term Deposit
  • Recurring Deposit Account

The loan schemes available are:

  • Personal Loans
  • The bank provides loan up to Rs. 7 lakhs and the interest rates differ for the purpose of the loan.
  • Housing Loans

The bank provides housing loans of 2 lakhs and above which must be repaid within 20 years.

  • Vehicle loans
  • Educational Loans
  • Mortgage Loans

The bank also provides Rupay Debit Card and Rupay Kishan Card. The daily withdrawal limit of Rupay Debit cards is Rs. 40000 and for Rupay Kishan Cards is Rs. 25000. These cards can be used all over India. The bank also has SMS alert notifications for the secure transaction and check truncation system for faster check clearing process. EDB has core Banking network. The bank is also associated with the Schemes provided by the Government of India i.e., Pradhan Mantri Jan Dhan Yojna, Pradhan Mantri Jeevan Jyoti Yojna etc. Thus, the banking facilities of the bank are boosting the economy of the state.


Ellaquai Dehati Bank is a leading bank in the state of Jammu and Kashmir, India. The bank has about 4,20,000 customers. The Agriculture loans are strengthening the farmer which in return build the economy of the state.

Website: https://www.edb.org.in/

Ellaquai Dehati Bank,
Head Office, 3rd Floor, Nirmaan Complex, IG Road, Barzulla
Srinagar (J&K – 190005),
0194 2434282.

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