Baroda District Central Cooperative Bank

What Baroda District Central Cooperative Bank does

The Baroda Central Co-Operative Bank Ltd., operating as Baroda District Central Cooperative Bank, is a member-owned cooperative bank headquartered at Sayajigunj, Vadodara, Gujarat, and operating primarily within Vadodara district of India. It is registered as a cooperative bank under Reserve Bank of India regulations and is registered with the Deposit Insurance and Credit Guarantee Corporation (DICGC), giving depositors statutory insurance coverage. The institution serves agricultural borrowers, retail consumers, property buyers, and depositors through four primary segments: agricultural sector loans, retail consumer loans (gold, vehicle, education, consumer loans, solar panel loans), housing and property-backed loans, and deposit products (fixed and recurring deposits, savings).

The product portfolio combines traditional branch banking with a digital banking stack that includes internet banking, a mobile banking application (Android and iOS), and digital payment rails (UPI, IMPS, NEFT, RTGS, bill payments, and Positive Pay System). Lending is organised into agricultural loans (tractor/thresher, drip-irrigation sprinkler, oil engine/pipeline/tubewell, milch animal, MT Agri Dairy, rural godown and godown loans), housing and property loans (housing loan at 8.85%-9.35%, loan against property), and consumer and specialised loans (consumer, vehicle at 9.25%, education at 10.00%, gold, NSC/KVP, solar panel, professional loans). Disclosed loan interest rates include Education Loan at 10.00%, Housing Loan at 8.85%-9.35%, and Vehicle Loan at 9.25%, billed monthly.

Revenue is generated primarily from interest income on agricultural, housing, and retail loans and from service fees on safe deposit lockers, insurance products, ATM withdrawals, and digital banking transactions. The bank operates a direct-to-consumer go-to-market model through physical branches, internet banking, a mobile banking app, a missed-call balance inquiry line, and an ATM network. Headcount is 51-100 employees. The bank is regulated by the RBI, partners with NABARD for agricultural refinancing, and displays registrations with IRDAI, IIBF, GSC Bank, and NPCI BASE.

Name

Baroda District Central Cooperative Bank

Legal name

The Baroda Central Co-Operative Bank Ltd.

Website

https://barodaccb.co.in

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

Baroda District Central Cooperative Bank is a Vadodara-based member-owned cooperative bank registered with the RBI and DICGC, offering agricultural loans, housing finance, retail lending, deposits, and digital banking services (mobile app, internet banking, UPI/IMPS/NEFT/RTGS) to retail and rural customers across the Vadodara district.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Credit Unions (522130), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

akta.pro secondary industry

Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL)

Keywords

• Cooperative banking services
• Agricultural credit
• Retail deposit products
• Consumer loan products
• Digital banking services

Headquarters

HQ city

Vadodara

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

Revenue model

1. Interest Income: Primary revenue from interest charged on various loan products including agricultural loans (tractor, drip irrigation, milch animal), housing loans, consumer loans, vehicle loans, gold loans, education loans, and solar panel loans
2. Service Fees: Fee income from services including safe deposit lockers, insurance products, ATM withdrawals, and digital banking transactions
3. Deposit Interest: Interest earned on fixed deposits and recurring deposits from customers

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels3 records

Core offering

The Baroda Central Co-Operative Bank Ltd. is a cooperative bank headquartered in Vadodara, Gujarat, offering deposit accounts (fixed deposits and recurring deposits), a broad loan portfolio (agricultural, housing, consumer, vehicle, education, gold, and property-backed loans), and digital banking services including Internet Banking, Mobile Banking, UPI, IMPS, NEFT, RTGS, bill payments, and safe deposit lockers. It operates under RBI regulation with DICGC deposit insurance coverage and serves retail and agricultural customers across the Vadodara district.

Product overview

Baroda Central Co-operative Bank Ltd. operates as a traditional cooperative bank offering a unified suite of banking products and services. The portfolio consists of core banking services (deposits and loans), digital banking platforms (internet and mobile banking), payment services (UPI, IMPS, NEFT, RTGS, bill payments), and various loan products. The digital banking platform includes Mobile Banking (Android/iOS apps), Internet Banking, and Digital Payment services. Loan offerings are organized into Agricultural Loans (Tractor Thresher, Drip-Irrigation Sprinkler, Oil Engine/Pipeline/Tubewell, Milch Animal, MT Agri Dairy), Housing & Property Loans (Housing Loan, Loan Against Property, Rural Godown Storage, Godown Loan), and Consumer & Specialized Loans (Consumer Loan, Vehicle Loan, Loan for Professionals, Gold Loan, Education Loan, NSC KVP Loan, Solar Panel Loan). Additional services include Safe Deposit Lockers, Insurance, Missed Call Balance Inquiry, ATM/Branch services, Fixed & Recurring Deposits, CKYC, and EMI Calculator.

Differentiator

Problem solved

Functional benefit

Products and services

• Agricultural Loans Specialized credit facilities for farmers in the Vadodara district covering tractor and thresher purchases, drip irrigation and sprinkler systems, oil engines, pipelines, tubewells, milch animals, dairy operations, and rural godown storage construction.
• Housing Loan Loan facility for purchasing or constructing residential property for individual borrowers in the Vadodara district, with a stated interest rate of 8.85% to 9.35%.
• Loan Against Property Secured loan facility allowing customers to borrow against residential or commercial property as collateral.
• Godown Loan Loan facility for the construction of warehouses and storage facilities, including rural godowns, to support agricultural storage needs.
• Consumer Loan Personal loan facility for meeting individual financial needs of retail customers.
• Vehicle Loan Loan facility for purchasing two-wheelers or four-wheelers, with a stated interest rate of 9.25%.
• Loan for Professionals Business loan product tailored for doctors, architects, engineers, and other professionals establishing or expanding their practice.
• Gold Loan Secured loan facility allowing customers to borrow against gold ornaments and jewellery pledged as collateral.
• Education Loan Loan facility for financing higher education expenses, with a stated interest rate of 10.00%.
• NSC KVP Loan Loan facility secured against National Savings Certificate (NSC) and Kisan Vikas Patra (KVP) instruments held by the borrower.
• Solar Panel Loan Loan facility supporting the installation of solar panels for residential or commercial use, enabling renewable energy adoption.
• Fixed Deposit Term deposit product offering guaranteed returns for funds placed for a fixed tenor, with deposit insurance protection via DICGC registration.
• Recurring Deposit Monthly deposit scheme enabling systematic savings with fixed returns at maturity, suitable for individuals seeking disciplined savings.
• Internet Banking Online banking platform enabling customers to access and manage their accounts, transfer funds, and conduct banking transactions via the bank's website.
• Mobile Banking Official mobile banking application published on Google Play and the Apple App Store that lets customers conduct account management and digital transactions on smartphones.
• UPI (Unified Payments Interface) Real-time payment system allowing instant fund transfers between bank accounts using virtual payment addresses through the bank's digital channels.
• IMPS (Immediate Payment Service) 24x7 interbank electronic fund transfer service enabling instant money transfers between participating bank accounts.
• NEFT (National Electronic Funds Transfer) Electronic fund transfer system for transferring amounts across participating banks in India via the bank's digital channels.
• RTGS (Real Time Gross Settlement) Real-time gross settlement system enabling high-value fund transfers to be processed individually on a continuous, real-time basis.
• Bill Payments Online service allowing customers to pay utility bills, credit card bills, and other recurring obligations through digital channels.
• Positive Pay System Fraud-prevention system for cheque transactions requiring customers to confirm key cheque details with the bank before the cheque is processed.
• Safe Deposit Locker Secure storage service for customer valuables, available at branch locations across the bank's network.
• Insurance Insurance plans distributed by the bank to protect customers' future financial security, offered under the IRDAI regulatory framework.
• Missed Call Balance Inquiry Balance inquiry service accessible by giving a missed call from a registered mobile number to a designated bank number.
• ATM Services ATM access at branch locations supporting cash withdrawals and balance inquiries for customers across the bank's service area.
• Central Know Your Customer (CKYC) Centralized KYC platform used by the bank to verify and store customer identity documents, supporting onboarding and regulatory compliance.
• Bharat Aadhaar Seeding Enabler Service that enables customers to link their Aadhaar cards to bank accounts, supporting receipt of government scheme benefits and direct benefit transfers.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Reserve Bank of India (RBI)coreOthersThe bank operates under RBI regulations and guidelines. Links to RBI official website and regulatory resources provided on the bank website.
• NABARDcoreOthersNational Bank for Agriculture and Rural Development - key partner for agricultural financing and rural development initiatives.
• DICGC (Deposit Insurance and Credit Guarantee Corporation)coreOthersBank is registered with DICGC providing deposit insurance coverage to customers. DICGC logo and QR code displayed on website confirming coverage.
• IRDAIminorOthersInsurance Regulatory and Development Authority of India - bank offers insurance products through this regulatory framework.
• Indian Institute of Banking & Finance (IIBF)minorOthersProfessional development institution for banking professionals.
• BASE (Bharat Authorized Shared Ecosystem - NPCI)coreOthersPlatform for payment system infrastructure supporting UPI and other digital payment services.
• Gujarat State Co-operative Bank (GSC Bank)minorOthersState-level cooperative banking partner providing link to their website.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Emerging players

• AU Small Finance Bank: Small finance bank originating from a cooperative-style regional model in Rajasthan and now expanding across India, including Gujarat. Competes for retail deposits, vehicle loans, and small-ticket rural credit.

Direct peers

• Saraswat Co-operative Bank: Largest scheduled cooperative bank in India, providing retail and agricultural banking products with a strong digital offering. Useful upper-bound benchmark for the cooperative-banking model Baroda DCCB operates.
• Bharat Co-operative Bank (Mumbai): Multi-state scheduled cooperative bank offering a similar suite of deposits, retail, gold, and housing loans. Comparable in cooperative governance structure and Indian regulatory environment, though larger and urban-oriented.
• Ahmedabad District Central Cooperative Bank: Peer district central cooperative bank operating the same tier of the Gujarat cooperative banking structure in a neighboring district. Closest structural and operational comparable in terms of product mix, governance, and customer segments.
• Surat District Central Cooperative Bank: Another district-level cooperative bank under the Gujarat cooperative structure. Closely comparable in scale, product portfolio, and rural/semi-urban customer base within the same state.

Others

• NABARD (National Bank for Agriculture and Rural Development): Development finance institution that refinances and supports agricultural lending by cooperative banks including Baroda DCCB. Functions as a wholesale funding partner and policy anchor rather than a retail competitor.

Broad incumbents

• State Bank of India: India's largest PSU bank with extensive branch and digital reach in Gujarat. Competes directly for retail deposits, agricultural loans, and housing finance across Vadodara district.
• Bank of Baroda: PSU commercial bank headquartered in Vadodara with deep presence in the same geography and overlapping agricultural, retail, and SME lending products — the dominant direct competitor for deposits and loans in the bank's home market.
• Dena Bank (now merged with Bank of Baroda): Legacy PSU bank historically focused on Gujarat's cooperative and agricultural segments; merged into Bank of Baroda. Represents the kind of large-scale competitor that has absorbed smaller regional banks in the state.

Regional players

• Gujarat State Co-operative Bank (GSC Bank): State-level apex cooperative bank in Gujarat and a direct partner/affiliate of Baroda DCCB. Operates the same cooperative-banking model at a higher tier, providing refinancing, clearing, and oversight to district central cooperative banks.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/the-baroda-central-cooperative-bank

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about Baroda District Central Cooperative Bank