Dhule District Central Cooperative Bank Limited

What Dhule District Central Cooperative Bank Limited does

Dhule and Nandurbar District Central Cooperative Bank Limited (DNDCC Bank) is a district central cooperative bank founded on 13 September 1957 and headquartered in Dhule, Maharashtra, India. It operates exclusively across the two districts of Dhule and Nandurbar, serving farmers, rural artisans, laborers, cooperative societies, self-help groups, and small retail customers through a network of 69 branches (as of March 2026). The bank's core business is accepting deposits and extending short-term crop loans, Kisan Credit Cards, medium-term loans for irrigation and mechanization, retail and housing loans, gold mortgage loans, and education loans, with deposit products including fixed deposits (30 days to 120 months), recurring deposits, and savings accounts at interest rates of 2.75% to 7.50%.

The bank's technology stack comprises a core banking platform, an Android mobile banking application, Net Banking, an ATM network, and a proprietary in-house data center inaugurated for data security, supplemented by a centralized electricity bill collection software and a BillDesk payment gateway integration. The bank does not publicly disclose AI/ML capabilities and operates a standard cooperative-bank technology baseline. Distribution is primarily through the physical branch network, supplemented by digital channels (mobile app, Net Banking, ATM) and financial literacy programs conducted at the Financial Literacy Center.

The bank earns revenue primarily through interest income on its Rs. 30,079.12 lakh loan book and ancillary transaction fees (demand drafts, NEFT/RTGS, lockers, bill collection). As of March 2026, total deposits stood at Rs. 74,660.01 lakhs. The bank is regulated by RBI and holds a NABARD Class B (NAVRATNA) classification consistently from 2021-2026. It is in significant financial distress, with gross NPAs of 67.61%, net NPAs of 46.23%, negative net worth of Rs. 1,091.15 lakhs, and consecutive annual losses of Rs. 2,183.65 lakhs (FY2024-25) and Rs. 1,817.45 lakhs (FY2025-26). Ownership sits with cooperative members and the Maharashtra State Government, which holds Rs. 33.27 lakh of equity capital.

Name

Dhule District Central Cooperative Bank Limited

Legal name

The Dhule and Nandurbar District Central Co-Operative Bank Ltd.

Website

https://dndccbank.com

Company type

Private

Founded year

1957

Operating status

Operating

Headcount range

11–50 employees

Short description

Dhule and Nandurbar District Central Cooperative Bank Limited is a district central cooperative bank headquartered in Dhule, Maharashtra, serving farmers, rural artisans, small retailers, and cooperative societies through 69 branches across two districts with deposit, agricultural, and retail lending products.

Ownership category

akta.pro rank

Headquarters

HQ city

Dhule

HQ country

India

HQ region

Asia

Offices5 records

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: Primary revenue from interest charged on agricultural loans, Kisan Credit Cards, medium-term loans, cash credit, gold loans, education loans, and retail lending. Deposits mobilized from customers at various interest rates.
2. Service Charges and Fees: Commission on Demand Drafts, MT/TT charges, bill collection fees, ATM charges, RTGS/NEFT fees, check return charges, checkbook charges, account closure fees, and locker rentals.
3. Deposit Mobilization: Term deposits, savings deposits, recurring deposits, cooperative deposits, and reserve fund contributions from customers at competitive interest rates (4% to 7.5%).

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Dhule District Central Cooperative Bank Limited (DNDCC Bank) is a district central cooperative bank that provides agricultural lending (crop loans, Kisan Credit Cards, medium-term loans for irrigation and mechanization), retail banking loans (for shopkeepers, professionals, small businesses), housing and education loans, gold mortgage loans, and self-help group microfinance. On the deposit side, it offers fixed deposits (30 days to 120 months), recurring deposits, and savings accounts. Digital channels include Net Banking, a mobile application, and ATMs, all delivered through 69 branches across Dhule and Nandurbar districts.

Product overview

Dhule District Central Cooperative Bank Limited (DNDCC Bank) operates as a district central cooperative bank serving Dhule and Nandurbar districts in Maharashtra. The bank offers a comprehensive suite of financial products including agricultural loans (short-term crop loans, Kisan Credit Cards, medium-term loans for irrigation and mechanization), retail banking loans (for hotels, doctors, engineers, shopkeepers), housing loans for farmers, educational loans, gold mortgage loans, and self-help group financing. On the deposit side, the bank provides fixed deposits (30 days to 120 months), recurring deposits, and savings accounts with competitive interest rates. Digital banking services include Net Banking through the website, a mobile application for Android devices, and ATM services at branches. The bank operates 69 branches across both districts and maintains its own data center. The bank's technology infrastructure was developed by ESDS Software Solution Ltd.

Differentiator

Problem solved

Functional benefit

Products and services

• Agricultural Loan Schemes Comprehensive agricultural lending including short-term crop loans, Kisan Credit Card, and medium-term loans for irrigation equipment, tractors, and agricultural mechanization. Targeted at farmers across Dhule and Nandurbar districts.
• Cash Credit / Working Capital Loans Credit facilities for marketing, processing, consumer, salaried, labor, construction, industrial establishments, and oil mills, providing working capital support to rural businesses.
• Retail Banking Loans Loans for hotel businesses, doctors, engineers, shopkeepers, medical stores, and stone crushers under retail banking, supporting small business owners and professionals.
• Housing Loans for Farmers Farmers residence construction loans up to Rs 4 lakh at 13% interest rate with 10-year repayment tenure, supporting rural housing.
• Educational Loans Education financing for students from the bank's service area in Dhule and Nandurbar districts.
• Gold Mortgage Loans Loans against gold collateral for farmers and members of the bank's service area.
• Self-Help Group Loans Credit facilities for self-help savings groups in rural areas, with lending ratios of 1:1 to 1:4 up to Rs 5 lakh, supporting rural women and microfinance.
• Fixed Deposit Schemes Term deposits with interest rates ranging from 4.00% to 7.50% for periods of 30 days to 120 months, with special rates 0.5% higher for senior citizens.
• Recurring Deposit Schemes Recurring deposits with terms of 12, 24, and 36 months at competitive interest rates for regular savers.
• Savings Bank Deposits Savings deposits with 2.75% interest rate, including Kisan Credit Card linked deposits for farmers and members.
• Net Banking Services Online banking services allowing customers to access accounts and conduct transactions through the bank's digital platform via the website.
• DNDCC Bank Mobile Application Mobile banking application for Android devices enabling customers to access banking services on smartphones, with OTP-based registration and SMS reading consent for verification.
• ATM Services Automated teller machine services at bank branches for cash withdrawals and basic banking transactions, including the Taloda branch ATM.

Quantifiable outcome

• ₹74,660.01 lakh in total deposits mobilized from customers
• +2 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

One partnership is on record.

• Agricultural Cooperatives and Sugar FactoriescoreStrategic or Co-development PartnerCooperative sugar factories and spinning mills receive financing from bank for share purchases. Bank maintains relationship with Priyadarshani Cooperative Sugar Factory and Priyadarshani Cooperative Spinning Mill, Shirpur.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Maharashtra State Cooperative Bank: Apex state-level cooperative bank in Maharashtra that provides financing, oversight, and coordination to district central cooperative banks including DNDCC Bank. Comparable as the umbrella body governing Maharashtra's cooperative banking sector and as a state-level entity under the same Maharashtra State Cooperative Societies Act.
• State Bank of India: Largest public sector bank in India with the most extensive rural branch network and a substantial agricultural lending portfolio. Comparable as a dominant player in the same rural banking space, including through SBI's regional rural bank partnerships and direct agricultural lending operations in Maharashtra.
• Bank of Maharashtra: Public sector bank headquartered in Pune with deep roots in Maharashtra, including rural and agricultural lending through its sponsor of Maharashtra Gramin Bank. Comparable in operating geography, dominant presence in Maharashtra cooperative ecosystem, and priority-sector mandate.

Emerging players

• Ujjivan Small Finance Bank: Small finance bank focused on financial inclusion and serving low-income customers with microfinance and small business loans. Comparable in rural and underbanked customer focus, microfinance methodology, and branch-led distribution model.
• Bandhan Bank: Commercial bank with strong microfinance and small enterprise lending focus, particularly in eastern and central India. Comparable in serving underbanked rural and semi-urban customers and operating with a similar grassroots, branch-led approach to small-ticket credit.
• Equitas Small Finance Bank: Small finance bank serving small businesses, microfinance borrowers, and underserved customers across India. Comparable in target customer segments (micro-borrowers, small retailers), small-ticket lending approach, and financial inclusion mandate.
• AU Small Finance Bank: Small finance bank with strong rural and semi-urban presence across India, including agricultural and vehicle lending. Comparable as a bank focused on underbanked customers in similar geographies with a transition from cooperative-style local banking to regulated commercial bank.

Direct peers

• Maharashtra Gramin Bank: Regional rural bank sponsored by Bank of Maharashtra, operating in rural Maharashtra with similar focus on farmers, agricultural laborers, and rural communities. Directly comparable in operating geography, target customer base (rural Maharashtra), and priority-sector lending mandate.
• Pune District Central Cooperative Bank: District-level cooperative bank operating in Pune district of Maharashtra under the same cooperative banking structure. Comparable in business model (agricultural lending, deposits, member-owned cooperative structure) and regulatory framework, though typically larger and better-capitalized than DNDCC Bank.
• Nashik District Central Cooperative Bank: Geographically adjacent DCCB serving Nashik district of Maharashtra with similar agricultural focus and cooperative structure. Comparable in operating geography, target customer base (farmers, rural artisans), and cooperative governance framework.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/121256567970463
• LinkedInlinkedin.com/company/dhule-district-central-cooperative-bank-limited

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about Dhule District Central Cooperative Bank Limited