The Guntur Co-Operative Urban Bank
The Guntur Co-Operative Urban Bank is an RBI-regulated urban cooperative bank operating 23 branches in Andhra Pradesh, serving retail customers and local SMEs with deposits, loans (gold, housing, education, vehicle, term), lockers, and digital banking (Net Banking, Mobile App, UPI, IMPS) since 1947.
- Company typePrivate
- Founded1947
- HeadquartersGuntur, India
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What The Guntur Co-Operative Urban Bank does
The Guntur Co-Operative Urban Bank Limited (GCUB) is an RBI-regulated urban cooperative bank headquartered at Door No:5-25-26, 3/2, Brodipet, Guntur, Andhra Pradesh. Established as a consumers cooperative society in 1947 and operating as a cooperative urban bank since 1949, the bank runs a 23-branch network across Andhra Pradesh serving retail customers and local SMEs with deposits of ₹645 Cr+ and advances of ₹508 Cr+ against a total business volume of ₹1,153 Cr+. Customer base is reported between 20,000 and 50,000+, with no named enterprise accounts disclosed.
The bank's product catalog spans deposit products (savings, current, fixed deposit short-term, cumulative deposits, non-cumulative deposits, bulk deposits, recurring deposits, and safe deposit lockers), loan products (gold loans, housing loans, term loans, educational loans, vehicle loans, loans against deposits, and secured overdrafts), and digital services (Net Banking platform, Mobile Banking App, IMPS, and UPI Payments). Technology is standard interoperability infrastructure — UPI and IMPS rails for instant fund transfers, plus a mobile application and net banking portal for self-service — with ISO certification covering operational quality and information security.
Revenue is generated primarily through net interest spread between deposits and advances, supplemented by transaction fees on UPI/IMPS digital services, locker rental income, and service charges on deposit and lending products. The bank is member-owned under a cooperative structure with no parent company, private equity, or institutional investors, and operates under RBI oversight with DICGC-mandated deposit insurance up to ₹5 lakh per depositor. Distribution is delivered through the 23-branch physical network and digital channels, with a toll-free customer service line (1800 425 8873) and dedicated helpdesk ([email protected]) supporting customer acquisition and service.
The Guntur Co-Operative Urban Bank firmographics
Firmographics- Name
- The Guntur Co-Operative Urban Bank
- Legal name
- The Guntur Co-Operative Urban Bank Limited
- Website
- https://guntururbanbank.org
- Company type
- Private
- Founded year
- 1947
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- The Guntur Co-Operative Urban Bank is an RBI-regulated urban cooperative bank operating 23 branches in Andhra Pradesh, serving retail customers and local SMEs with deposits, loans (gold, housing, education, vehicle, term), lockers, and digital banking (Net Banking, Mobile App, UPI, IMPS) since 1947.
- Ownership category
- akta.pro rank
The Guntur Co-Operative Urban Bank industry classification
Industry- Product category
- Cooperative Banking
- NAICS
- Savings Institutions and Other Depository Credit Intermediation (522180)
- SIC
- Savings Institutions, Not Federally Chartered (6036)
- akta.pro industry
- Public Sector & Municipal Credit UnionsFinancial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)
Keywords
Where The Guntur Co-Operative Urban Bank is headquartered
LocationHeadquarters
- HQ city
- Guntur
- HQ country
- India
- HQ region
- Asia
Offices1 record
Markets served
The Guntur Co-Operative Urban Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
Revenue model
- Interest Income from Loans: Primary revenue from interest charged on various loan products including Gold Loans, Housing Loans, Education Loans, Vehicle Loans, and Term Loans
- Deposit Interest Payments: Customer deposits (Savings, Current, Fixed, Recurring) generate fee income through interest rate differentials and service charges
- Digital Banking Services: Fees from digital transactions including IMPS, UPI, and mobile banking services
- Safe Locker Services: Rental income from safe deposit lockers offered to customers
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Savings Account |
| Other | Annual | Fixed Deposits |
| Other | Monthly | Gold Loans |
| Other | Monthly | Housing Loans |
| Other | Monthly | Education Loans |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
The Guntur Co-Operative Urban Bank product offering
Product offeringCore offering
The Guntur Co-Operative Urban Bank is a cooperative urban bank operating in Guntur, Andhra Pradesh, offering retail banking products such as savings accounts, current accounts, fixed/recurring deposits, and a range of loan products (gold, housing, education, vehicle, and personal loans), supported by branch banking and digital channels including net banking, mobile app, UPI, and IMPS. The bank is regulated by the Reserve Bank of India, insured by DICGC, and holds ISO certification, serving more than 50,000 customers across 23 branches.
Product overview
The Guntur Co-Operative Urban Bank offers a comprehensive suite of banking products organized into three main categories: deposit products (savings accounts, current accounts, fixed deposits including short-term and cumulative/non-cumulative variants, bulk deposits, recurring deposits, and safe deposit lockers), loan products (gold loans, housing loans, term loans, educational loans, vehicle loans, loans against deposits, and secured overdrafts), and digital banking services (net banking platform and mobile banking app supporting IMPS and UPI payments). The portfolio operates as a traditional urban co-operative bank model where deposit products serve as the funding base for lending operations, while digital channels provide customer-facing access to core banking functionality.
Differentiator
Problem solved
Functional benefit
Products and services
- Savings Account
- Current Account
- Fixed Deposit / Recurring Deposit
- Gold Loan
- Housing Loan
- Education Loan
- Vehicle Loan
- Net Banking / Mobile Banking / UPI / IMPS
- Safe Deposit Lockers
Quantifiable outcome
- ₹1153 Cr+ total business volume
- +2 more outcomes
Companies that use The Guntur Co-Operative Urban Bank
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles2 records
The Guntur Co-Operative Urban Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
The Guntur Co-Operative Urban Bank partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- DICGC (Deposit Insurance and Credit Guarantee Corporation)coreStatutory corporation providing deposit insurance coverage to depositors. All eligible deposits with the bank are insured up to ₹5 lakh per depositor under the DICGC scheme, providing security guarantee to customers.
Scale indicators6 records
Recent moves5 records
Expansion highlights3 records
The Guntur Co-Operative Urban Bank competitors and assessment
Company assessmentDirect peers
- SVC Co-operative Bank (Shamrao Vithal Co-operative Bank): Multi-state scheduled urban cooperative bank offering savings, current, fixed deposits, recurring deposits, gold loans, housing loans, and digital banking. Closely comparable in product mix, cooperative ownership structure, and target customer segments to GCUB.
- NKGSB Co-operative Bank: Mumbai-headquartered urban cooperative bank with a comparable deposit-and-loan product set, including gold loans and digital banking. Direct peer under the cooperative urban bank regulatory regime with similar customer mix and operating model.
- Mehsana Urban Co-operative Bank: Gujarat-based urban cooperative bank offering a full suite of deposit and loan products, including gold loans, plus digital banking. Direct cooperative peer serving retail and SMB customers in a regional Gujarat market with similar size and operating profile to GCUB.
- Abhyudaya Co-operative Bank: Urban cooperative bank in Mumbai offering deposits, multiple loan products (gold, housing, vehicle, education), and digital banking services. Directly comparable as a metro/regional cooperative urban bank with similar deposit-driven lending model.
- Janata Sahakari Bank (Pune): Pune-based urban cooperative bank offering deposits, gold loans, housing loans, and digital banking channels. Comparable regional cooperative peer targeting retail customers and local businesses with a similar product stack.
- Rajkot Nagarik Sahakari Bank: Gujarat-based urban cooperative bank offering deposits, gold loans, housing loans, vehicle loans, and digital banking. Comparable as a regional cooperative urban bank serving retail and SMB customers in a tier-2/3 Indian market similar to Guntur.
- TJSB Sahakari Bank: Maharashtra-based urban cooperative bank offering savings/term deposits, gold loans, housing loans, vehicle loans, and net/mobile banking. Comparable regional cooperative peer with overlapping retail/SMB lending portfolio.
- Bassein Catholic Co-operative Bank: Maharashtra-based urban cooperative bank with deposit and loan products, including gold loans, and digital banking. Comparable cooperative peer serving retail and SMB customers within a defined regional geography.
- Saraswat Co-operative Bank: India's largest urban cooperative bank, headquartered in Mumbai with multi-state presence. Most directly comparable as a cooperative urban bank offering the full deposit-and-loan product stack, including gold loans, housing loans, and digital banking channels, against a similar retail/SMB customer base.
Broad incumbents
- AU Small Finance Bank: Small finance bank with strong retail/SMB and rural/semi-urban footprint across India, including vehicle loans, gold loans, and deposit products. Comparable regional retail-banking franchise, though structured as a Small Finance Bank rather than a cooperative, illustrating the regulatory path GCUB may face.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
The Guntur Co-Operative Urban Bank social profiles
Digital presenceThe Guntur Co-Operative Urban Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
The Guntur Co-Operative Urban Bank leadership team
Management profileNumber of profiles
Profiles1 record
The Guntur Co-Operative Urban Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
The Guntur Co-Operative Urban Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about The Guntur Co-Operative Urban Bank
What does The Guntur Co-Operative Urban Bank do?
The Guntur Co-Operative Urban Bank is a cooperative urban bank operating in Guntur, Andhra Pradesh, offering retail banking products such as savings accounts, current accounts, fixed/recurring deposits, and a range of loan products (gold, housing, education, vehicle, and personal loans), supported by branch banking and digital channels including net banking, mobile app, UPI, and IMPS. The bank is regulated by the Reserve Bank of India, insured by DICGC, and holds ISO certification, serving more than 50,000 customers across 23 branches.
Is The Guntur Co-Operative Urban Bank a public or private company?
The Guntur Co-Operative Urban Bank is a private company. It is classified as management employee owned and is currently operating.
When was The Guntur Co-Operative Urban Bank founded?
The Guntur Co-Operative Urban Bank was founded in 1947. It employs 1 to 10 people.
Where is The Guntur Co-Operative Urban Bank based?
The Guntur Co-Operative Urban Bank is headquartered in Guntur, India, in the Asia region.
How does The Guntur Co-Operative Urban Bank make money?
Four revenue lines are on record. Interest Income from Loans are the primary driver. The others are deposit Interest Payments, digital Banking Services and safe Locker Services.
Who are The Guntur Co-Operative Urban Bank's main competitors?
Direct peers on record are SVC Co-operative Bank (Shamrao Vithal Co-operative Bank), NKGSB Co-operative Bank, Mehsana Urban Co-operative Bank, Abhyudaya Co-operative Bank, Janata Sahakari Bank (Pune), Rajkot Nagarik Sahakari Bank, TJSB Sahakari Bank, Bassein Catholic Co-operative Bank and Saraswat Co-operative Bank. AU Small Finance Bank is listed as a broad incumbent.
Does The Guntur Co-Operative Urban Bank have an API?
No public API is recorded for The Guntur Co-Operative Urban Bank.
What industry is The Guntur Co-Operative Urban Bank in?
The Guntur Co-Operative Urban Bank's product category is Cooperative Banking. Its primary akta.pro industry code is FSABAEAK, Public Sector & Municipal Credit Unions. Its NAICS code is 522180 and its SIC code is 6036.