Odisha Gramya Bank (OGB), emerged on January 7, 2013, from the merger of Neelachal Gramya Bank, Kalinga Gramya Bank, and Baitarani Gramya Bank. It is a regional rural bank in India under the aegis of the Indian government, the Government of Odisha, and Indian Overseas Bank. The bank mainly operates in Odisha, aiming to extend banking services to rural and semi-urban areas to support financial inclusion.

History and Expansion
OGB was designed to enhance banking access in underbanked regions, aligning with the Government of India's financial inclusion goals. Since its formation, OGB has grown its network to 549 branches across 13 districts in Odisha, particularly focusing on remote rural areas. Such expansion aligns with its mission to offer financial services where access is traditionally restricted.

Performance and Influence
In its first year, OGB demonstrated strong management by reporting a profit amidst initial challenges. It achieved the third rank among all banks in Odisha regarding financial inclusion metrics in 2015, highlighting its effectiveness in serving the rural population and managing government businesses, including state PSU deposits.

National Acclaim
Shortly after its inception, OGB garnered national recognition by adeptly handling a major gold loan fraud case, underscoring its dedication to financial security and customer trust. Such initiatives have fortified OGB’s reputation as a dependable and sturdy banking entity in India's financial sector.

Future Prospects
Looking ahead, OGB is steadfast in its mission to deliver comprehensive banking services, furthering financial inclusion. Focusing on rural banking needs and utilizing technology to improve service delivery remains central to its strategy. Odisha Gramya Bank’s journey underscores its commitment to regional economic growth, enhancing the financial empowerment of the communities it serves, in alignment with broader national economic objectives.

Odisha Gramya Bank exemplifies the vital role of regional banks in fostering inclusive economic growth in India by reaching underserved populations and significantly enriching the national banking ecosystem.