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The Himachal State Co-operative Bank Ltd The Commercial Banks were operating for the years, but it was being felt that these banks were not paying necessary heed to the credit requirements of common masses. Further the commercial banks, were mainly concentrating their business in the urban areas and the banking facilities to rural people were not available. Consequently, the Co-operative Banks came into picture after 1904. Himachal Pradesh has the distinction of having first Co-operative Society registered in India. Co-operatives were primarily visualized as specialized agency for financing the credit requirement of rural people in the country particularly agriculture.In Himachal Pradesh at the time of attaining independence of India, The Mahasu Central Co-operative Bank Ltd., The Mandi Central Co-operative Bank Ltd. and The Chamba Central Co-operative Bank Ltd.
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Conveniently located customer touch points – Branches, Business Correspondents and ATM network
Less crowded branches and prompt service
Agents network which delivers banking services to the doorstep of the customer – instant credit to the account/ issue of receipts through online devices
Extended banking hours up to 6.00 p.m.- convenient to transact business in the late hours also;Young and energetic workforce with average age of 36 years
Service with local flavour – close to the heart of the customers through personalised service and Relationship Management.
Capital Adequacy ratio of 21.25% (as at March 2019)
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The Enhanced Mobile Banking App From Himachal Bank
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