- In a country as vast and diverse as India, cooperative banks serve as the financial backbone of many communities.
- They aren’t just banks; they’re institutions built on trust, local connection, and mutual growth.
- With over a century of cooperative movement behind them, these banks have become key players in empowering individuals, SMEs, and rural populations.
- Here’s a curated list of the Top 10 Cooperative Banks in India in 2025, based on their deposits, advances, and total business.
- Saraswat Co-operative Bank Deposits: ₹51,809 croreAdvances: ₹27,546 croreTotal Business: ₹79,355 crore Saraswat Bank is not just the largest cooperative bank in India by total business, it’s also the oldest, founded in 1918.
In a country as vast and diverse as India, cooperative banks serve as the financial backbone of many communities. They aren’t just banks; they’re institutions built on trust, local connection, and mutual growth. With over a century of cooperative movement behind them, these banks have become key players in empowering individuals, SMEs, and rural populations. Here’s a curated list of the Top 10 Cooperative Banks in India in 2025, based on their deposits, advances, and total business.
- Saraswat Co-operative Bank
Deposits: ₹51,809 croreAdvances: ₹27,546 croreTotal Business: ₹79,355 crore
Saraswat Bank is not just the largest cooperative bank in India by total business, it’s also the oldest, founded in 1918. Headquartered in Mumbai, it has evolved into a tech-savvy, customer friendly institution offering a wide array of services, from retail banking to corporate finance. Its customer-first approach and strong financials make it the clear leader in the cooperative banking space.
2. SVC (Shamrao Vithal) Co-operative Bank
Deposits: ₹39,353 croreAdvances: ₹39,353 crore
Total Business: ₹78,706 crore
SVC Bank has undergone significant changes in its financial profile, showcasing a larger base of deposits compared to advances. Established in 1906, this Mumbai-headquartered bank has transformed over the decades into a modern banking partner with robust digital services, including mobile banking and quick online loans. It’s a perfect blend of legacy and innovation
3. Cosmos Co-operative Bank
Deposits: ₹20,216 crore
Advances: ₹15,192 crore
Total Business: ₹35,408 crore
Headquartered in Pune, Cosmos Bank is known for its diverse customer base and a strong presence in Western India. With a network of over 140 branches, it offers everything from savings accounts to international remittances. It’s affectionately called “the people’s bank” for a reason.
4. TJSB Sahakari Bank
Deposits: ₹14,588 crore
Advances: ₹7,875 crore
Total Business: ₹22,463 crore
TJSB Bank, headquartered in Thane, has built a reputation for strong service quality and customer relationships. From smart lockers to seamless fund transfers, TJSB offers urban banking with a personal touch.
5. Prime Co-operative Bank Ltd.
Deposits: ₹12,012 crore
Advances: ₹9,325 crore
Total Business: ₹21,337 crore
Operating primarily in Gujarat, Prime Co-operative Bank has grown consistently by catering to the financial needs of local traders and entrepreneurs. The bank emphasizes grassroots development and financial inclusion.
6. Kalupur Commercial Co-operative Bank
Deposits: ₹11,546 crore
Advances: ₹7,692 crore
Total Business: ₹19,238 crore
With its head office in Ahmedabad, Kalupur Bank has an outstanding track record of ethical banking and customer satisfaction. Its investment in tech infrastructure ensures a smooth banking experience across its 60+ branches.
7. Bharat Co-operative Bank
Deposits: ₹10,837 crore
Advances: ₹7,318 crore
Total Business: ₹18,155 crore
Bharat Bank serves a unique blend of corporate and retail clients. It began as a small bank for the Billawar Association but today, it’s a powerful force in Mumbai and beyond. Its strong business model and transparent services have helped it grow steadily.
8. Abhyudaya Co-operative Bank
Deposits: ₹20,216 crore
Advances: ₹15,192 crore
Total Business: ₹35,408 crore
Abhyudaya Bank continues to hold a significant position among cooperative banks, thanks to its consistent growth and large business size. It was founded by social workers and labor union members in 1964 and still upholds cooperative values while embracing digital innovation.
9. Mehsana Urban Co-operative Bank Ltd.
Deposits: ₹8,078 crore
Advances: ₹5,579 crore
Total Business: ₹13,657 crore
Based in Gujarat, Mehsana UCB has steadily built its reputation through reliable services and a strong connection with rural and semi-urban communities. The bank focuses on supporting agriculture, micro-enterprises, and SMEs. Its disciplined approach, personalized service, and growing digital presence have made it a trusted name among its customer base.
10. Kalyan Janata Sahakari Bank
Deposits: ₹3,354 crore
Advances: ₹2,073 crore
Total Business: ₹5,427 crore
Kalyan Janata Sahakari Bank may be smaller in size, but it’s big on impact. Based in Kalyan, the bank is cherished for its community-first approach, transparency, and approachable staff. Its focus on serving semi-urban customers and senior citizens makes it a trusted choice for thousands seeking personalized banking solutions.
Conclusion:
While commercial and private banks often steal the spotlight, cooperative banks like the ones listed above form the heartbeat of India’s real economy. Their customer-centric ethos, focus on inclusivity, and long-standing legacy make them indispensable.
As we move further into 2025, cooperative banks are expected to continue blending tradition with technology, community service with competitive banking products, proving that sometimes, the most grounded institutions are the ones that fly the highest!