Welcome to Our World: A Bank Built by You, for You
At Pune Cantonment Co-operative Bank Ltd., we’re more than brick-and-mortar—we’re a vibrant tapestry of Pune’s everyday dreamers, savers, and builders. Rooted in the co-operative ethos that transformed Maharashtra’s rural heartlands through sugar cooperatives and dairy collectives, we’ve spent over five decades channeling that same spirit into urban empowerment. From our founding vision of accessible finance to today’s blend of smart security and doorstep convenience, every step reflects our commitment: Your prosperity is our purpose.
With 19,571 members entrusting us with ₹34,145.21 lakhs in deposits and ₹21,899.24 lakhs in loans, we’re proud of our steady climb. Our A-grade audit status and 15.89% capital adequacy ratio (well above RBI’s 9% benchmark) underscore a foundation of reliability, low-risk lending (just 0.90% NPAs), and profits reinvested for community good—like our ₹10.17 lakhs Member Welfare Fund.
Our Guiding Lights: Values That Shape Every Decision
We live by the principles—open membership, democratic governance, mutual aid, and education—tailored for Pune’s pulse. Here’s what fuels us:
- Community at Core: Prioritizing middle-income families with tailored tools, from youth savings to elder support, ensuring no one is left behind.
- Innovation with Integrity: Embracing digital shifts like UPI and mobile banking while upholding transparent, low-cost services—because trust is our currency.
- Sustainable Growth: Fiscal discipline amid RBI’s evolving frameworks (SAF & PCA), with reserves at ₹33.76 crores safeguarding your future.
A Timeline of Triumphs: Milestones That Mark Our Path
| Era | Highlights | Impact |
|---|---|---|
| Founding Era (1970s) | Launched with 1,244 members, modest ₹5.74 lakhs deposits | Sparked local lending revolutions |
| Expansion Wave (1980s-90s) | Membership surged to 3,837; deposits crossed ₹869 lakhs | Fueled Pune’s small business boom |
| Modern Momentum (2000s-10s) | Digital pivot: 18,662 members, ₹19,945 lakhs deposits | Introduced ATM/UPI for seamless access |
| Golden Horizon (2020s) | 19,571 members today; ₹214.28 lakhs profit in 2024-25 | Post-COVID loan extensions, cyber shields |