In a written reply in the Lok Sabha, Union Home and Cooperation Minister Amit Shah informed that the combined outstanding loans of cooperative banks under the supervision of the Reserve Bank of India (RBI) and the National Bank for Agriculture and Rural Development (NABARD) climbed to Rs 11.33 lakh crore as of March 31, 2025, up from Rs 7.84 lakh crore in March 2020.
According to official data, Urban Cooperative Banks (UCBs) reported an outstanding loan portfolio of Rs 3,68,574 crore in March 2025, rising from Rs 3,05,183 crore in March 2020.
State Cooperative Banks (StCBs) expanded their loan book from Rs 1,99,942 crore to Rs 3,19,085 crore during the same period.
The District Central Cooperative Banks (DCCBs), a vital link in the three-tier cooperative credit structure, registered the sharpest growth, with outstanding loans increasing from Rs 2,79,272 crore in March 2020 to Rs 4,44,806 crore in March 2025.
Meanwhile, the lone industrial cooperative bank, the TamilNadu Industrial Cooperative Bank (TAICO), posted an outstanding loan portfolio of Rs 669 crore in FY 2024–25.
From 2020 to 2025, UCBs recorded a relatively modest growth of about 20.77%, whereas StCBs and DCCBs witnessed a much sharper increase of nearly 59.59% and 59.27% respectively. By 2025, DCCBs emerged as the largest contributors, accounting for 39.25% of the total outstanding loans, followed by UCBs at 32.53% and StCBs at 28.16%.
This trend highlights the expanding role of StCBs and DCCBs in supporting agriculture and rural credit, while UCBs continue to maintain a significant urban-focused share in the cooperative banking landscape.
Currently, the cooperative banking network comprises 1,457 UCBs, 34 StCBs, 351 DCCBs, and one industrial cooperative bank (TAICO). Maharashtra tops the list with 458 UCBs, followed by Karnataka (250) and Gujarat (211).
