We assume that at this point you already know what a co-operative bank is and how it usually functions, but if not, just know that these banks are slightly different from the normal or traditional banks in the way they are owned or managed. Like, traditional banks are owned by the shareholders, but with co-operative banks, the ownership is to the members of the co-operative societies. But unlike the traditional banks that offer all sorts of banking services, these cooperative ones are there mainly to promote things like Savings and Investment, that’s their main goal most of the time. Alright, let’s stop teasing you, how about we start with the list of the top 10 cooperative banks in India as of 2025, that we have prepared for you? Here we go then.
1. Saraswat Co-operative Bank
Alright, so first of all, let’s talk about the largest urban cooperative bank in India as of 2025, shall we? And yes, that is the Saraswat Co-Operative Bank, which is based in Mumbai at the moment, but has almost 294 branches in a total of six states of the country. And it is not like they’re lacking in something when it comes to banking services, nah, they have a full range of services, you know, from retail banking and loans to digital as well as mobile banking options. The latest tech stuff is what they’re kinda good at and that’s precisely what is helping them grow even more and even faster.
2. Cosmos Co-operative Bank
Up next is the Cosmos Co-Operative Bank which is based in Pune, Maharashtra, but the thing with this one is that it is a super old bank. Yes, the history of it goes back to 1906, which is why it is considered one of the most reliable banks in the cooperative banking segment. As of 2025 though, the business mix of this one stands at about ₹35,400 crore, divided into ₹20,216 crore in deposits and ₹15,192 crore in advances, which is just purely impressive if you think about it for a sec. And again, there is nothing lacking in the banking services department, so you’re pretty much good to go with this one.
3. Shamrao Vithal Co-operative (SVC) Bank
Then comes another 1906-established cooperative bank, and this one is also from Maharashtra, but this time it is a Mumbai-based one. And yes, we’re talking about the Shamrao Vithal Co-operative Bank, which is commonly known as SVC Bank. Though, it is not just limited to Maharashtra only, it has branches in about 11 states of the country at the moment. Apart from basic banking, well, it also has an internet banking system, mobile apps, and UPI integration for the customers.
4. Abhyudaya Co-operative Bank
Another one which is based in Mumbai? Oh yes, and this time let’s talk about the Abhyudaya Co-operative Bank. Though, it also serves customers in other states like Gujarat and Karnataka too. The main goal of this one is to help out the lower-income segments of society by providing them with basic yet amazing banking services.
5. Bharat Co-operative Bank
From the looks of it, the Bharat Co-operative Bank may seem very similar to the previous bank, but it is just not. It is actually the interest rate part that makes it kinda stand out, like 8.2%? Yes, that’s an impressive thing right there. Other than that, they have some amazing loan schemes too, which are good options for lower-income individuals as well as small businesses. Other than that, they kinda function as a full-fledged bank, so check them out too.
6. TJSB Co-operative Bank
Now, this TJSB Co-operative Bank actually came into existence back in 1972, and at first, it just used to serve the Maharashtra customer base, now it has expanded to other neighbouring states as well like Gujarat, Goa, and Karnataka. The portfolio of this one is pretty good too, like so far 149 branches and a business mix of more than ₹22,463 Cr? Yes, that’s really impressive stuff.
7. NKGSB Co-operative Bank
Another old timer? Well, why not? You see, this NKGSB Co-operative Bank has been at it since 1917, and it is actually based in Mumbai. Right now, as of 2025, this bank has around 104 branches in the country, not all in Maharashtra, but in other states like Goa, Gujarat, Madhya Pradesh, and Karnataka. This one is specifically famous for their loan option, though, their loan options for women customers are particularly good like the Stree Udyogika Loans.
8. Janata Sahakari Bank
Then comes a 1949 established and Pune-based cooperative bank, and this time we’re talking about the Janata Sahakari Bank which has made it to this list for some specific reasons. First of all, it has a decent network of about 71 branches, and then, it offers literally all the banking services that you can expect from such a bank. And if you check out their loan options, you’ll particularly know why we have included this one today.
9. Kalupur Commercial Co-operative Bank
How about a cooperative bank from Gujarat? Well, this time let’s talk about the Kalupur Commercial Co-operative Bank, which is based in Ahmedabad at the moment. This one has been in the cooperative banking scene since 1970, but right now, they’re more focused on the digital stuff, like WhatsApp banking, UPI, net banking, and mobile applications, rather than just basic cooperative banking services.
10. Punjab State Co-operative Bank
And lastly, let’s talk about one more good pick, and this time a cooperative bank from Chandigarh, Punjab. And yes, we’re talking about the Punjab State Co-operative Bank which has around 17 branches along with more than 800 branches under its affiliated District Central Co-operative Banks. The special thing about this one? Oh, that would be the fact that it mainly focuses on agriculture and rural banking in the state along with some government-supported social security schemes such as Pradhan Mantri Suraksha Bima Yojana and Atal Pension Yojana.
Conclusion
At the moment, there are literally hundreds of cooperative banks in India that are functional and provide services to so many customers in the country. But out of all those, these ten were the ones that stood out to us as the special ones because they’re the most reliable and best-performing ones in 2025. So, that’s that.
