The Punjab Provincial Cooperative Bank

Name

The Punjab Provincial Cooperative Bank

Legal name

The Punjab Provincial Cooperative Bank

Website

https://ppcbl.com.pk

Company type

Private

Founded year

1924

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Cooperative Agricultural Banking

NAICS

Depository Credit Intermediation (5221), Credit Unions (522130)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)

akta.pro secondary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

Keywords

• Cooperative banking services
• Agricultural credit lending
• Kisan credit cards
• Crop loan financing
• Subsidized farm lending

Headquarters

HQ city

Lahore

HQ country

Pakistan

HQ region

Asia

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Infrastructure, Others

Revenue model

1. Agricultural Loan Interest Spread: The bank generates revenue through interest rate spreads on agricultural loans. It borrows funds at market rates of approximately 7.1% and lends to farmers at a subsidized rate of 5%, creating a negative spread that results in operational losses.

Pricing tiers

Core offering

The Punjab Provincial Cooperative Bank provides short-term agricultural credit to farmers through Kisan Credit Cards, lending at a subsidized 5% rate against a market borrowing rate of approximately 7.1%. It channels NABARD-supported funds through district cooperative banks across Punjab and revises per-acre crop loan limits (e.g., paddy loans raised from Rs 25,400 to Rs 39,000).

Differentiator

Problem solved

Functional benefit

Products and services

• Kisan Credit Card Crop Loans Short-term agricultural credit issued through Kisan Credit Cards to farmers in Punjab, currently at a subsidized lending rate of 5% against a market borrowing rate of approximately 7.1%, with per-acre paddy loan amounts set under the scale of finance (raised from Rs 25,400 to Rs 39,000).

Quantifiable outcome

• Per-acre paddy loan limit increased from Rs 25,400 to Rs 39,000 (53% hike)

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators7 records

Recent moves3 records

Expansion highlights2 records

Direct peers

• Haryana State Cooperative Apex Bank (HARCO Bank): State-level cooperative apex bank in the neighboring Indian state of Haryana, providing short-term crop loans and Kisan Credit Card–style agricultural credit to farmers through affiliated district cooperative banks — the closest structural analogue to PPCBL.
• The Maharashtra State Co-operative Bank: Apex cooperative bank in Maharashtra that channels funds from NABARD and the state government to district cooperative banks for agricultural and rural lending — directly comparable in cooperative-bank structure, NABARD funding dependency, and farmer lending focus.

Others

• National Bank for Agriculture and Rural Development (NABARD): India's federally sponsored apex development bank for agriculture and rural finance, and PPCBL's primary funding partner. Comparable because NABARD sets the policy and refinancing architecture within which state cooperative banks like PPCBL operate and disburse.
• National Agricultural Cooperative Marketing Federation of India (NAFED): Cooperative apex institution supporting Indian farmers in agricultural marketing, procurement, and credit-related activities. Comparable as a federally connected cooperative serving the same farmer base, though its focus is marketing/procurement rather than direct credit disbursement.

Broad incumbents

• Punjab National Bank: Large incumbent public-sector commercial bank with deep Punjab branch presence, offering agricultural loans, Kisan Credit Cards, and rural credit products that overlap with PPCBL's mandate but as part of a much broader retail and corporate portfolio.
• State Bank of India: India's largest public-sector bank with nationwide rural and agricultural lending operations, including subsidized crop loans and Kisan Credit Cards. Overlaps with PPCBL's target customers and products but competes from a vastly larger balance sheet and digital stack.
• Canara Bank: Large public-sector commercial bank with a significant rural and agricultural lending book across India, including subsidized crop loans and Kisan Credit Cards — competes with cooperative banks for the same farmer customer base from a national, diversified balance sheet.

Regional players

• Karnataka State Cooperative Apex Bank: Apex state cooperative bank operating in Karnataka with a comparable mandate of funding district cooperative banks for agricultural and rural credit under NABARD refinance lines — relevant as a structurally identical but geographically separate peer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/the-punjab-provincial-cooperative-bank

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about The Punjab Provincial Cooperative Bank