BANKING CODES AND STANDARDS BOARD OF INDIA (BCSBI) 

Adoption of 'Code of Bank's commitment to the Customers  &  Code of Bank's commitment to the Micro and Small Enterprises' by the Bank

The Banking Codes and Standards Board of India (BCSBI) was set up by the Reserve Bank of India in collaboration with Scheduled Commercial Banks in February 2006. The BCSBI has been registered under Societies Registration Act, 1860 and the Bombay Public Trusts Act, 1950. The Scheduled Commercial Banks, the Regional Rural Banks and the Scheduled Urban Co-operative Banks are the members of the BCSBI. Accordingly, our bank has become a member of the BCSBI. w.e. f. 17.08.2009, as permitted by the Board of the Bank.

The objective of Banking Codes and Standards Board of India (BCSBI) is to ensure that member Banks adhere to the voluntary codes which set minimum standards for fair and transparent treatment of individual and MSE customers availing of banking services.

The BCSBI brought out Code of Bank's commitment to the Customers & Code of Bank's commitment to the Micro and Small Enterprises and the same are placed before the Board and the Board of Directors in their meeting held 22.12.2009 have approved the same. The Code of Bank's commitment to the Customers & Code of Bank's commitment to the Micro and Small Enterprises are enclosed  so that the customers are made aware of voluntary commitment to provide banking services of minimum standards, which provide protection to customers and they will, therefore, enjoy greater degree of trust and confidence on the Bank.

The Code promises greater transparency, enhanced level of customer service and a more efficient grievance redressal system at the banks. The enhanced services to which member banks are committed will also fall within the ambit of the Banking Ombudsman Scheme, leading to more accountability on the part of member banks.

 As per the rules of the Banking code, the Bank has designated the following Officers as Code Compliance Officers (CCOs).

Name of the Region/Controlling Office	Jurisdiction of the branches	Address of the Code Compliance Officer Designated
Anantapur Region	65 Branches of Anantapur District	The Regional Manager Andhra Pragathi Grameena Bank, APGB Building Opp. Zilla Parishad Office Dr.Ambedkar Road Anantapuramu-515 001 Anantapuramu District.
Kadapa Region	61 Branches of Kadapa District	The Regional Manager Andhra Pragathi Grameena Bank, 4/622-R-3, Aravinda Nagar, Opp. R.T.C. Bus Stand, KADAPA - 516 003 YSR Kadapa District.
Kurnool Region	71 Branches in Kurnool District	The Regional Manager Andhra Pragathi Grameena Bank, 40/307, Navgeeth Nilayam, Near Bhagya Nagar Post Office, Bhagya Nagar KURNOOL - 518 002 Kurnool District.
Nellore Region	91 Branches in Nellore District	The Regional Manager Andhra Pragathi Grameena Bank, 1st Floor, KRB Heights, Venkataramapuram,  Near Vijaya Mahal Gate, NELLORE - 524 001 SPSR Nellore District.
Ongole Region	72 Branches in Prakasam District	The Regional Manager Andhra Pragathi Grameena Bank, D No.5-379,Mahindra Enclave, Raavi Anjaneyulu Street,  ONGOLE - 523 001 Prakasam District.
Kadiri Region	58 Branches of Anantapuramu & Kadapa Districts	The Regional Manager Andhra Pragathi Grameena Bank, Door No.1/776, By-Pass Road, KADIRI - 515 591 Anantapuramu District.
Nandyal Region	83 Branches of Kurnool & Prakasam Districts	The Regional Manager Andhra Pragathi Grameena Bank, Door No.25/697, 3rd Floor, Nivarathi Bhavan, Srinivasanagar, NANDYAL - 518 501 Kurnool District.
Rajampeta Region	51 Branches of Kadapa District	The Regional Manager Andhra Pragathi Grameena Bank, Door No.9/380-A,  Beside Sarada Vidyalayam, Madras Road RAJAMPET - 516 115 YSR Kadapa District.
Head Office	All Branches in the Bank	The General Manager Andhra Pragathi Grameena Bank, Mariyapuram, Near Mariyapuram Church, Kadapa-516 003 YSR Kadapa District.

As per the Code Rules, the customers have to bring to the notice, any breach at the branches to the notice of the Code Compliance Officer (CCO) concerned, designated at Regional Office at the address specified above.

Copies of the 'Code of Bank's commitment to the customers to the individual customers and Code of Bank's commitment to MSEs' to the MSE customers are available with branches / Controlling Offices.

Further, the BCSBI has been providing Credit Counseling Services to the Individuals and MSE customers of member Banks and for this purpose, it has appointed two retired Officers from Commercial Banks with credit background as credit counselors. In order to ensure proper co-ordination between our Bank and BCSBI as also to ensure that the objectives of credit counseling are achieved with speed & efficiency, the Senior Manager, Credit Department at Head Office, Kadapa,is designated as Nodal Officer on behalf of the Bank.

The confirmation of the compliance has to be obtained from the branches within 7 days. Any breach of code referred by the customer and directed by the Code Compliance Officer has to be rectified by the branches and the same has to be confirmed to the CCO within 7 days.

Note: The Code available in the website is applicable for the services introduced and available in the Bank.

Code of Bank's commitment to the Customers.

'Code of Bank's commitment to the Micro and Small Enterprises (MSEs)'.