Top 10 Cooperative Banks in India

Cooperative banks in India play a pivotal role in financial inclusion, rural credit delivery, and community banking. Unlike commercial banks, these institutions are member-owned, democratically controlled, and focused on local economic growth. Spread across urban and rural arenas, they serve millions of depositors, small businesses, and agricultural communities under regulation by the Reserve Bank of India (RBI) and registered under the Cooperative Societies Act.

Below is a curated list of the Top 10 Cooperative Banks in India in 2025, reflecting business size, historical relevance, geographic footprint, and market reputation.

1. Saraswat Co-operative Bank Ltd.

Founded:                   1918

Headquarters:       Mumbai, Maharashtra

Website:                    https://www.saraswat.bank.in/

Total Business:        ₹91,814 crore (deposits + advances) as of March 31, 2025.

Deposits:               ₹55,481 crore; Advances: ₹36,333 crore.

Depositors:            Over 36 lakh depositors and borrowers.

Members:              2,83,071

Employees & Branches: ~5,400+ employees

Branches & ATMs:  311 branches and 350 plus ATMs.

Overview: India’s largest cooperative bank by business size, deposits, and advances. Founded in 1918, it blends traditional cooperative principles with modern digital banking products. Notably, it secured regulatory approval for a strategic merger with New India Co-operative Bank in 2025, expanding its customer base and footprint. Completed merger with New India Co-operative Bank in 2025, adding branches and customers. Earlier, since 2006, Saraswat Cooperative Bank acquired seven stressed Urban Co-operative Banks, safeguarding the interest of over 7,70,000 depositors of these banks. 

2. Abhyudaya Co-operative Bank Ltd.

Founded:                   1965

Headquarters:         Mumbai, Maharashtra

Website:                    https://www.abhyudayabank.co.in/

Deposits:                  ₹9,327 crore; Advances: ₹4,866 crore; Total Business: ~₹14,193 crore as of March 31, 2025.

Members:              2.60 lakh

Deposit Accounts: 15.14 lakh Deposit Accounts

Branches & ATMs: 107 branches and  112 ATMs

Overview: A long-standing institution with deep roots in member service. Known for consistent growth, digital banking offerings, and a strong deposits base, Abhyudaya serves both urban customers and small enterprises. The bank has received Award for “Mobile Banking Category” (Highest number of registered Mobile Banking customers as of March, 2025 i.e. 5,12,994) in All India Co-op. Banking Summit (NAFCUB) for the period of 2024-25.

3. TJSB Sahakari Bank Ltd.

Founded: 1972

Headquarters: Thane, Maharashtra

Website:                    https://www.tjsb.bank.in/

Deposits: ~₹14,849 crore; Advances: ~₹7,875 crore with a total business mix of Rs. 23,105 crore, as on 31^st March, 2025

Branches & ATM: 149 branches, 125 interconnected ATMs.

Overview: A trusted urban cooperative bank with a strong service reputation and robust customer relationships. It offers a full suite of retail banking services, leveraging digital channels to boost customer experience.

4. Cosmos Co-operative Bank Ltd.

Founded:                   January1906

Headquarters:       Pune, Maharashtra

Website:                    https://www.cosmos.bank.in/

Deposits: ₹ 22,907.20 crore; Advances: ₹ 15,727.07 crore as on 31^st March, 2025

Branch Network:    183 branches

Members:                  1,13,474

Employees:             3130

Customers: Large, diverse consumer base

Overview: Among India’s most established UCBs, Cosmos Bank provides retail banking, loans, and modern digital experiences. Its technology investments enable seamless banking across regions.

5. SVC Co-operative (SVC) Bank Ltd. (Shamrao Vithal Co-operative Bank)

Founded: December 1906

Headquarters: Mumbai, Maharashtra

Website:                    https://www.svc.bank.in/Index

Deposits: ₹ 22,380.4 crore; Advances: ₹ 16,972.61 crore;  Total Business: ₹39,353.09 crore (as on March, 2025).

Branches & ATMs: As on March 31, 2025, the bank had 198 Branches and 214 ATMs.

Overview: One of the most widely recognized urban co-operative banks, SVC Bank offers diverse services including deposits, loans, and digital banking, with a focused approach on customer convenience.

6. Bharat Co-operative Bank Ltd.

Founded: 1978

Headquarters: Mumbai, Maharashtra

Website:                    https://www.bharatbank.bank.in/

Deposits: ₹ 10,995 crore; Loans and Advances: ₹ 7,96 crore (as on March, 2025).

Branches & ATMs: 101 branches, 3 extension counters, 97 on-site ATMs and 2 off-site ATMs.

Staff: 1438

Overview: Serving a mix of retail and corporate clients, Bharat Bank’s presence in Maharashtra and beyond makes it a key player among cooperative financial institutions.

7. NKGSB Co-operative Bank Ltd.

Founded:       1917

Headquarters: Mumbai, Maharashtra

Website:        https://www.nkgsb-bank.com/

Deposits:     ₹ 8254 crore; Advances: ₹ 5645 crore;  Total Business: ₹13,899 crore (as on March, 2025).

Branches & ATMs: 105 branches

Staff:           898

Business Metrics: Recognized as among leading cooperative banks by deposits range.

Overview: With a strong regional network and focus on deposit mobilization, NKGSB Bank blends community banking ethos with modern financial services tailored to small and medium clients.

8. Janata Sahakari Bank Ltd.

Founded:                   October, 1949

Headquarters:       Pune, Maharashtra

Website:                    https://jsblpune.bank.in/

Deposits:     ₹ 10,068.66  crore; Loans: ₹ 6,163.29 crore;  Total Business: ₹ 16,231.95 crore (as on March, 2025).

Overview: Known for its community-oriented approach and dependable service, Janata Sahakari Bank emphasizes retail banking and core financial services for local growth.

Prime Co-operative Bank Ltd.

Founded: October, 1949

Headquarters: Surat, Gujarat

Website:      https://prime.bank.in/

Overview: A leading regional cooperative bank, Prime Bank has grown by serving traders, small businesses, and local enterprises with tailored deposit and credit solutions.

10. Kalupur Commercial Co-operative Bank Ltd.

Founded: 1970

Headquarters: Ahmedabad, Gujarat

Website:      https://kalupur.bank.in/

Deposits:     ₹ 12,297 crore; Advances: ₹ 8,756 crore (as on March, 2025).

Branches:      64

Members:      86,775

Overview: With a steady business profile and strong customer focus, Kalupur Bank is noted for ethical banking practices, branch expansion, and tech adoption among cooperative peers.

Key Trends in India’s Cooperative Banking Sector

• Overall Network: As of August 2025, India had 1,457 Urban Cooperative Banks, 34 State Cooperative Banks, and 351 District Central Cooperative Banks registered with RBI/NABARD.
• Landscape: UCBs are spread across states, with Maharashtra being a major center of activity.
• Diverse Structure: India’s cooperative banking ecosystem includes Urban Cooperative Banks (UCBs) and State Cooperative Banks (SCBs), each with specific roles in local credit distribution and financial inclusion.
• Regulatory Oversight: The RBI continues to tighten supervision and encourage consolidation to bolster stability — including mergers such as Saraswat Bank with New India Cooperative Bank.
• Digital Transformation: Many leading cooperative banks have adopted mobile banking, UPI, and core banking platforms to enhance competitiveness.
• NUCFDC to lead tech and efficiency transformation of Urban Cooperative Banks
• ‘Sahakar Sarathi’ Launched by Amit Shah at Earth Summit 2025
• Find out Top 10 cooperative societies in India.
• Know more about Cooperative Sector in India.

Sources:

Also read:

• Cooperative Sector in India
• Major Initiatives of the Ministry of Cooperation: From Vision to Action
• National Cooperation Policy 2025
• FAQ on National Cooperation Policy 2025
• Top 10 Cooperative Societies in India
• Top 10 Cooperative Banks in India

Disclaimer:
This list is compiled for informational purposes using publicly available data and credible sources. Inclusion does not constitute ranking, endorsement or financial recommendation. This article or list does not constitute any financial, legal or professional advice. Data may change over time, and readers are advised to consult official filings for the latest information.