25 Years of Excellence

05:46 AM Thu, 29 July 2021

05:46 AM Thu, 29 July 2021

  • The Citizens Urban Co-op. Bank Limited
  • Housing Loans from Citizens Bank
  • Finance for Agriculture
  • The Citizens Urban Co-op. Bank Limited
  • The Citizens Urban Co-op. Bank Limited
  • The Citizens Urban Co-op. Bank Limited

The Citizens Urban Co-operative Bank Ltd. Jalandhar is one of the leading bank in North India. The Bank has recently completed glorious 30 years of service successfully. Its area of operation is whole Punjab. The Bank is a professionally managed ‘Financial Institution’, a benchmark of credibility and innovation.

Chairman's Message

Mr.K.K.SharmaI take this opportunity to thank all the shareholders for the confidence, positive response towards us and in supporting us to achieve greater heights in our performance.

The prosperity of our members is the ultimate aim to our success.

Financial Landmarks of the Bank (as on 31 March 2019)

  • Net Profit stood at Rs.3.86 crore in FY 2018-19
  • The Profit of the Bank before tax Rs. 8.45 crore in FY 2018-19
  • Bank’s Deposits increased from Rs.711.85 Crore to Rs.779.51 Crore in FY 2018-19
  • Advances increased from Rs. 369.17 crore to Rs.401.31 crore in FY 2018-19
  • CASA deposits stands at 20.00% of the Total Deposit.
  • The CD ratio of the bank is 51.48%.
  • The Capital adequacy Ratio is 14.64%

Our Values & Principles

The Citizens Urban Co-operative Bank Ltd. since its inception in 1989, has embraced certain values and principles and come what may, won’t deviate from them.

Ethical Banking

  • No Hidden / Pre-payment charges
  • Transparent Interest Rates and Charges
  • Strict Vigilance to Avoid Malpractices
  • Robust Grievances Redressal System


  • Streamlined Systems and Procedures
  • Good Infra-structure and Business Environment
  • Good Corporate Governance
  • Adherence to all Statutory and Regulatory Norms



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To promote a sound, strong & vibrant co-operative credit structure embedded with latest technology & computerisation, providing innovative and affordable banking products.


To develop a range of quality services for creating value for customers, shareholders and the society.

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