By Agartala Correspondent | Tripura 24.in AGARTALA | May 2, 2026
AGARTALA: Marking its 50th year of service with a milestone achievement, Tripura Gramin Bank (TGB) hosted a high-profile press conference at Pragna Bhavan today to announce its annual financial results. Addressing media personnel, Bank Chairman Satyendra Singh revealed that the state’s premier rural bank has scripted a spectacular growth story, posting a record net profit and maintaining exceptional asset quality for the financial year ending March 2026.
Despite the challenges posed by a lack of large-scale industrialization in the state, the bank has managed to significantly improve its Credit-Deposit (CD) ratio through focused lending to the priority sector.
Financial Highlights: A Year of “Zero Net NPA”
The Chairman presented a robust balance sheet, showcasing the bank’s transition into a highly efficient financial institution.
TGB Performance Snapshot (FY 2025–26):
- Total Business: ₹15,422 Crore (Growth of 9.49%).
- Net Profit: ₹184.84 Crore (A massive jump of 76.19% year-on-year).
- Operating Profit: ₹236.10 Crore.
- Deposits: ₹10,889 Crore.
- Advances: ₹4,532 Crore (Growth of 12.77%).
- Asset Quality: Net NPA remains at Zero (0%), while Gross NPA has been reduced to 2.89%.
The CD Ratio Challenge
A key highlight of the conference at Pragna Bhavan was the discussion on Tripura’s Credit-Deposit (CD) Ratio. Chairman Satyendra Singh candidly addressed the state’s declining trend in the overall banking sector’s CD ratio, which stands at approximately 50%.
”In Tripura, the demand for large-scale loans remains constrained due to a lack of major industries and processing centers. However, Tripura Gramin Bank has consistently worked to buck this trend. Our own CD ratio has improved from 36.44% in 2022-23 to 41.63% this year. With the state’s heavy investment in infrastructure, we expect this ratio to rise significantly over the next two to three years,” Singh explained.
Powering the Rural Economy
TGB continues to be the backbone of Tripura’s rural and agricultural sectors. The Chairman highlighted that 77.22% of the bank’s total advances were directed toward the Priority Sector.
Ground-Level Impact:
- Agriculture: ₹1,119 Crore was disbursed for agriculture and allied activities.
- SHG Linkage: The bank funded 16,360 Self-Help Groups (SHGs) with ₹722.35 Crore, continuing its streak of national awards for SHG linkage.
- Small Business: Over 12,504 Mudra loans were approved to promote entrepreneurship among local youth.
- Kisan Credit Cards (KCC): 29,661 new KCC loans worth ₹125 Crore were issued during the fiscal year.
Future Outlook: 150 Branches and Beyond
With 150 full-fledged branches and 487 Business Correspondent points, the bank has achieved a per-branch business average of ₹102.81 Crore. The Chairman concluded by stating that TGB is well-positioned for the 2026-27 fiscal year with a Capital Adequacy Ratio (CRAR) of 28.58%, well above regulatory norms, ensuring it has the “firepower” to support the vision of a self-reliant Tripura.
The press conference at Pragna Bhavan reinforced the bank’s role not just as a lender, but as a key driver of socio-economic development across all eight districts of the state.
