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In the last 75 years of independence, India has evolved rapidly. The wheels, propelled by contribution from the agriculture, manufacturing and services sectors have played a large role in bringing about this change. An imperative catalyst to this exponential growth has been the involvement of the financial sector in providing end-to-end banking services to customers in India and abroad.

India embarked on the banking outreach journey way back in the 1970s, with the nationalization of commercial banks in 1969, introduction of the Regional Rural Banks thereafter in 1975s and Self Help Group Programmes in 1980s & 1990s and introduction of Banking Correspondents (BCs) in 2000s. Banking outreach also got a renewed fillip in the second half of the 2000s when the Reserve Bank of India (RBI) urged banks to make available a basic banking ‘no frills’ account either with ‘nil’ or very low minimum balances ensuring greater financial inclusion. Another landmark milestone in banking outreach was the announcement of the Pradhan Mantri Jan Dhan Yojana (PMJDY) by the Government of India in 2014 aimed at providing basic financial services to the masses in an affordable manner. These efforts have changed the landscape of banking outreach with monumental success both in terms of bank accounts and deposits accrued.

Bank of Baroda, which began operations as a region centric bank till 1947, post-independence in 1953, expanded beyond the national realm to start its first international branch in Mombasa, Kenya. Today, we are one of the largest premier Public Sector Banks in the country and have been actively participating in all the programmes and schemes towards banking outreach.

Even during the pandemic, our mantra of `customer and employee first,’ motivated us to ensure a seamless banking experience, while adhering to the tenets of a safe banking environment. All through the pandemic year, the bank was a frontrunner to the call of an Aatmanirbhar Bharat, implementing all government policies, thereby providing much needed relief to retail and MSME consumers by infusing liquidity at a critical juncture of our economy.

Innovation has been the key in our vision of banking the unbanked. An evident to this vision is the recently launched bob World App of our Bank which provides an anytime, anywhere banking with all inclusive features such as save, invest, borrow & shop to users across categories.

On the gracious occasion of Azadi Ka Amrit Mahotsav, as the country turns 75, the Hon’ble Prime Minister Shri Narendra Modi has identified 5 pillars for celebration of these 75 years – Freedom Struggle, Ideas at 75, Achievements at 75, Actions at 75 and Resolve at 75. In-tandem with our belief of providing best in class services and amplifying the government’s programs to reach each and every citizen, we urge one & all to participate in ‘Jan Utsav’ activities/events that are being planned for the upcoming 75 weeks.

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