Andhra Pradesh based Krishna District Central Cooperative Bank has emerged as one of the better-performing district cooperative banks in the country, delivering a robust and well-balanced financial performance in FY 2025-26, backed by strong deposit mobilisation, steady credit growth, and a sharp rise in profitability.
The bank’s total business crossed Rs 12,631.59 crore, marking a 10.26% year-on-year growth, reflecting its expanding scale of operations. Deposit mobilisation stood out, with deposits rising 18.09% to Rs 3,978.39 crore, signalling improved customer confidence and a stronger liability base.
On the asset side, advances grew 6.99% to Rs 8,653.20 crore, indicating calibrated and sustainable lending. Borrowings saw only a marginal increase of 1.54% to Rs 6,646.38 crore, suggesting a stable and well-managed funding structure.
Profitability was the clear highlight. Net profit surged 39.39% to Rs 105.99 crore, up from Rs 76.04 crore last year. This growth was supported by steady income expansion (Rs 967.65 crore, up 5.96%) and tightly controlled expenditure (Rs 861.66 crore, up 2.92%), pointing to improved operational efficiency.
The bank also strengthened its balance sheet, with investments growing 11.29% to Rs 2,863.14 crore, while total assets remained strong at over Rs 12,041 crore.
Overall, the performance signals a clear trend, a stronger liability franchise, disciplined credit expansion, and effective cost management, positioning Krishna DCCB on a firm growth trajectory among India’s cooperative banks.
