In the bustling landscape of Indian banking, Bharat Co-operative Bank (Mumbai) Ltd stands as a testament to what unwavering commitment can achieve. Established in 1978, with humble origins, the Bank has evolved into a prominent Multi-State Scheduled Bank Today, it is not just a financial institution but a symbol of trust for millions, blending the warmth of traditional co-operative values with the strength of modern banking.

Bharat Co-operative Bank (Mumbai) Ltd.,  an Urban Co-operative Bank, in registered under the applicable Co-operative Societies Act and is licensed by the Reserve Bank of India under Section 22 of the Banking Regulation Act, 1949 (As Applicable to Co-operative Societies) to conduct banking business in its permitted area of operation”.

The bank has 100+ branches in the States of Maharashtra, Karnataka and Gujarat.

Bharat Bank is the youngest Bank to be included in the Second Schedule of RBI in 1996, and the first Urban Co-operative Bank to successfully implement Core Banking System (CBS) in 2003. Bharat Bank is also the youngest Co-operative Bank to receive AD-Category-I License for Foreign Exchange business in 2009.

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Our History

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Our Vision

To be the most trusted customer-friendly and digitally-integrated co-operative bank, empowering a Self-Reliant Bharat through financial stability and technological excellence.

Our Mission

To deliver personalized financial solutions to every Bharatiya by bridging the gap between traditional trust and modern technology, ensuring safety, security and sustainable growth for our customers and stakeholders.

Core Values

Customer-First Culture

Every product or service we offer and every decision we make starts with your needs and aspirations.

Excellence in Service

We aim to set high standards of customer service through dedication and proactive support.

Innovation for Impact

We leverage technology to make your banking simpler, faster, and accessible to everyone, everywhere.

Secured Banking

We are committed to high level of cyber security in banking protecting the interest of the customers.

Integrity Above All

We act with transparency and honesty in every transaction; your trust is our greatest asset.

Strategic Focus

At Bharat Co-operative Bank, our strategy is not just about numbers; it is about people. We believe that true financial management comes from balancing modern growth with the timeless values of "safety, stability & security.”

The Bank’s primary strategic goal is to achieve sustainable business growth by empowering people of Bharat to achieve their goals and desires and to ensure unbiased banking service is available to all.

Financial Strength

Bharat Bank remains financially strong, supported by prudent management and smart planning.

  • Total Business: The Bank commands a total business mix exceeding ₹18,000 Crore, solidifying its position as one of the top co-operative banks in the country.

  • Capital Adequacy: Reflecting its strong financial foundation, the Bank maintains a healthy Capital to Risk (Weighted) Assets Ratio (CRAR comfortably above regulatory requirements).

  • Audit Classification: A testament to its operational excellence, the Bank has consistently held an 'A' class Audit Classification since its inception.

Technology with a Personal Touch

In an era where digitization often replaces personal connection, Bharat Bank strikes a unique balance. It is widely recognized as one of "India's Most Customer Friendly Banks," where the “one-to-one service” remains a core value. Customers frequently commend the staff's willingness to help and the family-like atmosphere within the branches.

Our commitment to personal service hasn’t stopped us from innovating. We use advanced technology to ensure your banking is fast, easy, and—above all—safe. The Bank has been honored with 80+ awards from State and National level organizations, specifically receiving accolades for its Cyber Security and IT Risk Management initiatives. By securing "Best IT Risk & Cyber Security Initiative" awards, the Bank demonstrates its commitment to protecting customer assets in the digital age while ensuring seamless banking experiences through platforms like mobile and internet banking.

A Promising Future

With a history spanning nearly five decades, Bharat Co-operative Bank continues to evolve., The Bank stands ready to navigate the future—continuing to be a "light for the millions" and a trusted partner in the prosperity of its customers

Financial Position as on 31.04.2026

(Rupees in Crores)

Liabilities

  • Particulars

    Amount

  • Share Capital

    183.97

  • Reserves & Surplus

    1556.71

  • Deposits

    11847.19

  • Other Liabilities

    699.66

  • Total

    14287.53

Assets

  • Particulars

    Amount

  • Cash & Bank Balance

    633.70

  • Investments

    4900.31

  • Loans & Advances

    8002.65

  • Other Assets

    750.87

  • Total

    14287.53