Executive Summary:
This document presents the Indian government's response to questions regarding the development of cooperative banks. It provides data on the number of cooperative banks, state-wise financial assistance disbursed by NABARD and NCDC, and the adoption of Core Banking Solutions (CBS) by these banks as of March 31, 2025. The information was presented to the Lok Sabha on August 18, 2025.
Key Points / Main Content:
Cooperative Bank Structure and Regulation:
• Cooperative banks are registered under the Cooperative Societies Act of the State concerned or the Multi-State Cooperative Societies Act, 2002.
• These banks are regulated by the RBI under the Banking Regulation Act, 1949 when they conduct banking business.
Number of Cooperative Banks (as of March 31, 2025):
• State Cooperative Banks (StCBs): 34
• District Central Cooperative Banks (DCCBs): 352
• Urban Cooperative Banks (UCBs): 1457
• State-wise details of StCBs and DCCBs are provided in Annexure I.
Financial Assistance:
• Annexure II details the state-wise financial assistance disbursed by NABARD over the last four fiscal years (2021-22 to 2024-25).
• Annexure III details the state-wise financial assistance disbursed by National Cooperative Development Corporation (NCDC) over the last four fiscal years (2021-22 to 2024-25).
Computerization:
• Almost all cooperative banks in the country are functional on the Core Banking Solution (CBS) platform.
• Only one Urban Cooperative Bank in West Bengal does not maintain computerised records.
Impact Analysis:
RBI and NABARD:
Impact: Provide data and regulatory oversight for cooperative banks.
Action Required: Continue to monitor and regulate cooperative banks.
Cooperative Banks:
Impact: Subject to regulation and benefit from financial assistance for development.
Action Required: Maintain compliance with RBI regulations and utilize financial assistance for growth. Transition to CBS platform if not already implemented.
State Governments:
Impact: Involved through the Cooperative Societies Act and benefit from development in the cooperative banking sector.
Action Required: Support the development of cooperative banks within their respective states.
Ministry of Finance:
Impact: Oversees the development of the cooperative banking sector.
Action Required: Continue to allocate and monitor funds for the development of cooperative banks.
Key Entities Referenced
Ministry of Finance: The government ministry responsible for financial matters.
Reserve Bank of India (RBI): The central bank of India, responsible for regulating the banking sector including cooperative banks.
NABARD: National Bank for Agriculture and Rural Development, an apex development financial institution in India.
National Cooperative Development Corporation (NCDC): A statutory corporation for planning, promoting and financing cooperative development programmes.
Cooperative Societies Act: The legal framework under which cooperative societies are registered, varying by state.
Multi-State Cooperative Societies Act, 2002: A law governing cooperative societies with operations in more than one state in India.
Banking Regulation Act, 1949: The legislation that regulates banking activity in India, applicable to cooperative societies engaged in banking.
Bihar: A state in India with a significant number of cooperative banks.
GOVERNMENT OF INDIA
MINISTRY OF FINANCE
DEPARTMENT OF FINANCIAL SERVICES
LOK SABHA
UNSTARRED QUESTION NO. 3960
ANSWERED ON MONDAY, 18 AUGUST, 2025/ SRAVANA 27, 1947 (SAKA)
DEVELOPMENT OF COOPERATIVE BANKS
3960. SHRI AJAY KUMAR MANDAL:
Will the Minister of FINANCE be pleased to state:
(a) the total number of cooperative banks in the country, State-wise particularly in Bihar;
(b) the details of funds allocated by the Government for the development of cooperative banks
in the country after the creation of the new Ministry, year and State-wise;
(c) the number of cooperative banks that do not maintain computerised records in the country,
State-wise;
(d) whether any cooperative bank is being operated by cooperative societies directly without
the patronage of any nationalised bank in the country; and
(e) if so, the details thereof, State-wise?
ANSWER
THE MINISTER OF STATE IN THE MINISTRY OF FINANCE
(SHRI PANKAJ CHAUDHARY)
(a) to (e): Cooperative banks are inherently cooperative societies which are registered under
the Cooperative Societies Act of the State concerned or under the Multi-State Cooperative
Societies Act, 2002. When cooperative societies carry on the business of banking, they come
under the regulatory purview of RBI and they are licensed under the provisions of the Banking
Regulation Act, 1949 (as applicable to cooperative societies).
As informed by RBI and NABARD, the number of cooperative banks in the country as on
31.03.2025, are as under:
i) State Cooperative Banks (StCBs)– 34
ii) District Central Cooperative Banks (DCCBs) – 352
iii) Urban Cooperative Banks (UCBs) – 1457
The State-wise details of StCBs and DCCBs is given at Annexure I.
The State-wise details of financial assistance disbursed by NABARD and National Cooperative
Development Corporation (NCDC) for the development of cooperative banks during the last
four years are given at Annexure II and III respectively.
As informed by RBI and NABARD, all the cooperative banks, except 01 Urban Cooperative
Bank in West Bengal, are functional on Core Banking Solution (CBS) platform.
******Annexure I
Statement referred to in part (a) to (e) of Lok Sabha Sabha Un-Starred Question No. 3960
on “Development of Cooperative Banks” due for answer on 18.08.2025
Sr State Cooperative District Central
State/UT
No Banks Cooperative Banks*
1 Andaman & Nicobar 1 -
2 Andhra Pradesh 1 13
3 Arunachal Pradesh 1 -
4 Assam 1 -
5 Bihar 1 23
6 Chandigarh 1 -
7 Chhattisgarh 1 6
Dadra and Nagar Haveli &
8 1 -
Daman And Diu
9 Goa 1 -
10 Gujarat 1 18
11 Haryana 1 19
12 Himachal Pradesh 1 2
13 Jammu And Kashmir 1 3
14 Jharkhand 1 1
15 Karnataka 1 21
16 Kerala 1 1
17 Madhya Pradesh 1 38
18 Maharashtra 1 31
19 Manipur 1 -
20 Meghalaya 1 -
21 Mizoram 1 -
22 Nagaland 1 -
23 New Delhi 1 -
24 Odisha 1 17
25 Puducherry 1 -
26 Punjab 1 20
27 Rajasthan 1 29
28 Sikkim 1 -
29 Tamil Nadu** 1 24
30 Telangana 1 9
31 Tripura 1 -
32 Uttar Pradesh 1 50
33 Uttarakhand 1 10
34 West Bengal 1 17
Total 34 352
State/UT-wise list of cooperative banks
* '-' No DCCB is present in the State/UT
**TAICO bank also included in list of DCCBsAnnexure II
Statement referred to in part (a) to (e) of Lok Sabha Un-Starred Question No. 3960 on
“Development of Cooperative Banks” due for answer on 18.08.2025
Details of funds disbursed by NABARD for cooperative banks
(Amount in ₹ Crore)
State FY 2021-22 FY 2022-23 FY 2023-24 FY 2024-25
Andhra Pradesh 5,230.84 5,337.90 5,473.90 2,716.55
Assam 8.59 11.48 12.46 10.42
Bihar 36.16 40.00 50.00 50.00
Chhattisgarh 900.00 1,433.66 1,308.79 1,150.00
Goa 3.64 4.00 32.31 23.97
Gujarat 2,253.27 2,262.52 2,367.62 1,691.31
Haryana 3500.00 4025.16 4049.45 1650.00
Himachal Pradesh 817.69 1,036.70 881.56 721.00
Jharkhand - 12.28 17.09 5.90
Karnataka 6,192.64 6,272.05 6,279.47 3,655.52
Kerala 1,361.66 1,702.00 1,734.62 1,380.00
Madhya Pradesh 4,258.79 4,321.01 4,377.71 4,430.00
Maharashtra 1,971.96 2,625.31 3,076.79 2,696.26
Manipur 1.00 19.51 12.54 7.81
Meghalaya 22.43 17.12 19.82 7.93
Mizoram 9.00 26.00 9.51 12.60
Nagaland 30.77 38.00 32.93 33.00
Odisha 6,510.25 6,707.17 6,903.80 4,113.00
Punjab 2,130.74 3,041.78 3,073.57 1,470.00
Rajasthan 4,040.23 4,462.37 4,820.95 2,760.75
Sikkim 1.69 2.99 1.00 3.10
Tamil Nadu 3,826.79 4,217.94 4,413.32 2,946.49
Telangana 2,822.86 3,007.06 3,020.27 1,481.63
Tripura 97.64 297.88 459.23 250.00
Uttar Pradesh 2,438.44 2,908.98 3,072.68 1,275.55
Uttarakhand 530.94 796.09 799.78 557.00
West Bengal 1,993.70 2,191.00 2,097.55 1,150.00
Total 50,991.72 56,817.98 58,398.71 36,249.79Annexure III
Statement referred to in part (a) to (e) of Lok Sabha Un-Starred Question No. 3960 on
“Development of Cooperative Banks” due for answer on 18.08.2025
Details of funds disbursed by NCDC for cooperative banks (Amount in ₹ Crore)
State FY 2021-22 FY 2022-23 FY 2023-24 FY 2024-25
Andhra Pradesh 0.00 5035.00 2570.00 3730.00
Bihar 2800.00 4000.00 800.00 0.00
Madhya Pradesh 455.00 245.00 310.00 291.00
Rajasthan 0.00 0.00 60.00 77.00
Telangana 0.00 0.00 0.00 2000.00
Total 3255.00 9280.00 3740.00 6098.00