Telangana-based Adarsh Cooperative Urban Bank Ltd. has moved a step closer to entering the Tier-3 Urban Cooperative Bank category after its deposits surged to Rs 977.80 crore as on March 31, 2026, just short of the Rs 1,000-crore threshold prescribed under the RBI’s four-tier framework.
The bank, chaired by Madana Gopala Swamy G, who is also a Director on the NAFCUB Board, reported a total business of Rs 1,773.74 crore, comprising deposits of Rs 977.80 crore and advances of Rs 795.94 crore, at its recently held Annual General Meeting.
The bank’s working capital increased to Rs 1,079.54 crore, while total assets stood at Rs 1,103.54 crore. Own funds rose to Rs 93.20 crore, with net worth improving to Rs 94.06 crore. The bank posted a net profit of Rs 9.43 crore and profit before tax of Rs 12.78 crore during FY 2025-26.
Asset quality also remained healthy, with Gross NPA improving to 1.36% from 1.68% a year ago, while the Credit-Deposit Ratio stood at 76%. The bank maintained a Capital Adequacy Ratio (CRAR) of 14.29%, comfortably above the regulatory requirement.
In its annual report, the bank acknowledged stiff competition from commercial banks and small finance banks but said investments in digital banking products, competitive deposit rates, faster credit delivery and superior customer service helped convert challenges into growth opportunities.
With deposits now within touching distance of Rs 1,000 crore, Adarsh Cooperative Bank is poised to graduate from a Tier-2 to a Tier-3 Urban Cooperative Bank.
