DOMBIVLI NAGARI SAHAKARI BANK

What DOMBIVLI NAGARI SAHAKARI BANK does

DOMBIVLI NAGARI SAHAKARI BANK (DNS Bank) is an urban cooperative bank headquartered in Dombivli, Maharashtra, India, operating as a Multi-State Scheduled Bank since 1970 under Reserve Bank of India regulation. The bank serves retail individuals and small-to-medium enterprises primarily in Maharashtra through a network of 70 physical branches, distributing a comprehensive retail and commercial banking product set including savings and current accounts, fixed and recurring deposits, tax-saving deposits under Section 80C, and specialized schemes such as Arthvruddhi, Dhansagar, and Kansanchay. Lending products span housing loans (including an EWS variant), education loans for domestic and international studies, personal loans, gold loans, two-wheeler and four-wheeler loans, consumer durable loans, residential solar-panel installation loans, and overdraft facilities against deposits and securities.

The bank's technology stack is built on standard digital banking infrastructure — Internet Banking, the DO Mobile Plus mobile application, UPI, RTGS, NEFT, BBPS, POS terminals, E-Lobby self-service machines, SMS Banking, and WhatsApp Banking — alongside value-added services such as Debit Cards, Bancassurance, Locker Facility, NECS, QR Code Scanner, and a Positive Pay System for cheque-based fraud prevention. Distribution is multi-channel: branch-based relationship banking at the bottom of the funnel, supplemented by self-service digital channels for account management, payments, and statements. The proprietary features highlighted on the website (EMI calculators for multiple loan types, QR-based payments, Positive Pay) are functional utilities rather than technology differentiators.

Revenue is generated primarily through interest income on loans, the net interest spread between deposits and lending, and fee-based banking services including transaction fees, debit card and ATM charges, POS commissions, bancassurance commissions, and locker rentals. As a cooperative society, DNS Bank is member-owned, with no parent company, no external shareholders, and no recorded private equity or venture capital backing. Geographic footprint is concentrated in Maharashtra, with no disclosed international or multi-state expansion beyond the multi-state scheduled bank license itself.

Name

DOMBIVLI NAGARI SAHAKARI BANK

Legal name

Dombivli Nagari Sahakari Bank

Website

https://dnsbank.in

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

501–1,000 employees

Short description

DNS Bank is an urban cooperative Multi-State Scheduled Bank headquartered in Dombivli, Maharashtra, serving retail individuals and businesses through 70 branches across Maharashtra and digital channels, offering deposits, loans, insurance, and ancillary financial services since 1970.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

Savings Institutions, Not Federally Chartered (6036), State Commercial Banks (6022)

akta.pro industry

PRIMARYBPAMAFAD

Digital Banking & Neobank Platforms

Business & Public Services/Web, Mobile & Digital Platforms/Payments, Wallets & Digital Banking Platforms

SECONDARYFSABAKAF

SME/Industrial Development Banks

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Development & Public Sector Banking (DFIs, Postal/Savings Banks)

SECONDARYFSAGAHAH

Loan Servicing Platforms (Billing, Statements, Customer Self-Service)

Financial & Insurance/Financial Technology (Fintech)/LendTech (Digital Lending Platforms & Credit Decisioning)

Keywords

• Cooperative banking services
• Retail deposit products
• Personal lending services
• Housing loan products
• Digital banking channels

Headquarters

HQ city

Mumbai

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income from Loans: Primary revenue stream from interest charged on various loan products including housing loans, personal loans, gold loans, education loans, vehicle loans, and business loans
2. Fee-based Banking Services: Revenue from transaction fees, service charges, ATM usage, debit card services, POS transaction fees, bancassurance commissions, and locker rentals
3. Deposit Interest Spread: Income from spread between interest paid on deposits and interest earned on lending

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

DNS Bank is an urban cooperative bank providing a full suite of retail banking products including savings accounts, gold/premium accounts, and multiple term deposit schemes (Fixed Deposit, Recurring Deposit, Arthvruddhi, Dhansagar, Shubhankar Tax Saving, Kansanchay), alongside a diversified retail loan portfolio covering housing, personal, education, gold, vehicle, consumer durable, and solar panel financing, complemented by salary overdrafts and loans against deposits/securities. The bank extends its reach through 70 branches across Maharashtra and an omnichannel digital platform spanning internet banking, mobile app (DO Mobile Plus), UPI, RTGS/NEFT, SMS, WhatsApp banking, ATMs, POS, locker, and bancassurance services.

Product overview

DOMBIVLI NAGARI SAHAKARI BANK (DNS Bank) is a Multi-State Scheduled Co-operative Bank offering a comprehensive suite of banking products and services. The portfolio includes multiple deposit products (Savings Account, Gold Account, Fixed Deposits, Recurring Deposits, Tax-Saving Deposits, and specialized deposit schemes like Arthvruddhi, Dhansagar, and Kansanchay); retail lending products (Housing Loans, Education Loans, Personal Loans, Gold Loans, Two/Four-Wheeler Loans, Consumer Durable Loans, Solar Panel Loans, and overdraft facilities against deposits and securities); and digital banking channels (Internet Banking, Mobile App, UPI, SMS/WhatsApp Banking, ATM, and E-Lobby). Additional services include Debit Cards, Bancassurance, Locker Facilities, POS, BBPS, and RTGS/NEFT transfer services. The bank operates 70 branches across Maharashtra, positioning itself as a community-focused cooperative bank serving both personal and business banking customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Savings Account
• Gold Account
• Fixed Deposit
• Recurring Deposits
• Arthvruddhi Deposit
• Dhansagar Deposit Scheme
• Shubhankar Tax Saving Deposit Scheme
• Kansanchay Deposit Scheme
• DNS EWS Housing Loan
• DNS Housing Loan (Swapnapoorti)
• DNS Loan for Higher Education
• DNS Personal Loan
• DNS Flexi Loan
• DNS Loan against Fixed Deposits
• DNS Overdraft against Bank FD Receipt
• DNS Two-Wheeler Loan
• DNS Four-Wheeler Loan
• DNS Consumer Durable Loan
• DNS Solar Panel Loan
• DNS Gold Loan
• DNS Salary OD
• DNS Housing Loan Top-Up
• DNS Loan against Paper Securities
• Debit Card
• Locker Facility
• Bancassurance
• POS
• NECS
• E-Lobby
• BBPS
• Positive Pay System
• Internet Banking
• DO Mobile Plus (Mobile Banking App)
• SMS Banking
• WhatsApp Banking
• UPI
• ATM
• RTGS
• NEFT
• Cash Deposit Machine
• QR Code Scanner

Named customers6 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• ITM Skills UniversityminorStrategic or Co-development PartnerDNS Bank has partnered with ITM Skills University for skill development and banking awareness initiatives. The partnership aims to provide financial education and potentially create employment opportunities through skill development programs.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/DnsBank
• Facebookfacebook.com/DNSBankLtd
• LinkedInlinkedin.com/company/dombivli-nagari-sahakari-bank

Revenue estimate

Valuation estimate

Number of profiles

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 DOMBIVLI NAGARI SAHAKARI BANK