The Cosmos Way
Vision
- To be world-class co-operative bank
- To deliver a memorable, unique, delightful banking experience
- To add genuine value to the lives of all those we touch
- To be the preferred bank for all stakeholders, customers, employees, Investors, vendors partners, associates
- To be a model global corporate institution
Mission
- Constantly innovating and thereby ensuring that we lead and not simply follow what is state-of-the-art in banking
- Maintaining warmth and the personal touch across all relationships through Team Cosmos- a team of knowledgeable, always available, impeccably courteous and dedicated professionals
- Proactively working towards the full realization of the potential of the co-operative sector, including financial inclusion
- Ensuring the highest ethical standards, professional integrity, corporate governance and regulatory compliance
Values
- Customer Centricity
- Continuous Learning
- Technology with Sensitivity
- Ethics
- Transparency
- Teamwork
- Operational Efficiency
- People Empowerment
Our History
In the world of Co-operative Banking, Cosmos Co-operative Bank Ltd. holds the record of 120 years of relentless service to its more than 20 lakh satisfied customers through 193 branches in 7 States. Over the past decade, the Bank has made continual progress and has set a model example to co-operative banks by its professional conduct. The bank is committed to maintain the highest level of ethical standards, professional integrity, corporate governance and regulatory compliance. Established with an objective to provide personalized banking services to varied customer base, the bank has served the purpose by understanding the needs of various customers truly and deeply, and designing its products accordingly. Being the member of BCSBI, Bank ensures the highest standards of banking practices to customers.
The Board of Directors includes eminent and learned personalities from various professions having proficient approach towards formation of policies. The bank is managed by highly qualified, dedicated, dynamic and sincere Management Team.
Cosmos Bank is not just a Multi-state Scheduled Co-operative Bank but a professionally managed 'Financial Institution'.
Cosmos Bank has brought optimum benefits to the Bank's customers like:
- Anytime banking through our ATM network
- Credit for Industries & Overdraft & Working Capital Loan Schemes1
- Credit for Industries & Overdraft & Working Capital Loan Schemes2
- Installation of onsite/offsite ATM’s at our Branches/ Extension Counters
- More than 2.49 lacs+ ATMs are connected through Banks and NFS Tie Ups
- Sweep Facility for transfer of funds between accounts of customers
- Facility to transfer funds instantaneously to any account in any of our branch network
- RTGS / NEFT Service for quick transfer of Funds
- Periodic interest on Fixed Deposits in disbursed through the Electronic Clearing Scheme (ECS)
- Account Statements available through E-mails
- SMS facility for Account Balance, View of Last Three Transactions and Cheque Status
- Availability of Franking Facility
- Pune Corporation Tax acceptance facility
- Utility Bill Payment facility for Telephone, Electric, Mobile Bills, Insurance premiums, Donations etc
- Availability of E-Tax Payment facility
- Apart from these, we are making payments of Direct taxes and Indirect Taxes on behalf of our customers on their behalf to the Government through the on-line
- Apart from these, we are making payments of Direct taxes and Indirect Taxes on behalf of our customers on their behalf to the Government through the on-line payment system linked with HDFC Bank Ltd./IDBI Bank Ltd.
Geographical Set-Up
Cosmos Bank operates through 193 branches in India spread across 7 States and in 47 Major Cities, which are as follows
| S No. | State | Cities |
|---|---|---|
| 1 | Maharashtra | Mumbai | Pune | Nagpur | Chhatrapati Sambhajinagar| Nashik | Baramati | Jalna | Kolhapur | Satara | Latur | Phaltan | Sangli | Solapur | Bhusawal | Jalgaon | Amravati | Yavatmal | Ichalkaranji | Ahmednagar | Badnera| Karad |
| 2 | Gujarat | Surat | Ahmedabad | Vadodara | Ankaleshwar | Rajkot | Bhuj | Gandhidham | Bhavnagar | Morbi | Nadiad | Anand | Vapi | Navsari | Gandhinagar | Himmatnagar |
| 3 | Karnataka | Bengaluru | Belgavi | Nipani | Mysuru |
| 4 | Tamilnadu | Chennai | Coimbatore | Hosur |
| 5 | Andhra Pradesh | Vijaywada |
| 6 | Telangana | Hyderabad | Secunderabad |
| 7 | Madhya Pradesh | Indore |
Our Financial Strength
"Cosmos Bank is the oldest leading cooperative bank in India. Over the century, it has strengthened its financial set up through innovative business.
Financial Set up of the Bank as on 31.03.2026 is ₹ 44,000.69 Crore, comprising of Deposits of ₹ 26,121.64 Crore and Advances of ₹ 17,879.05 Crore."
A] Financials
₹ In Crore
| S No. | Particulars | As on 31.03.2026 | As on 31.03.2025 |
|---|---|---|---|
| 1 | Share Capital | 353.98 | 349.78 |
| 2 | Reserves & Surplus | 2,778.22 |
2,497.56 |
| 3 | Capital Adequacy Ratio (CRAR) % | 15.21% | 15.15% |
| Total | 44,000.69 | 38,634.27 |
| Deposits |
| 4 | Savings Deposit | 4,135.15 | 3,883.95 |
| 5 | Current Deposit | 2,544.74 | 1,984.07 |
| 6 | Fixed Deposit | 19,441.73 |
17,039.18 |
| Total | 26,121.64 | 22,907.20 |
| Advances |
| 7 | Secured | 17,616.15 | 15,435.54 |
| 8 | Unsecured | 262.90 | 291.53 |
| Total | 17,879.05 |
15,727.07 |
| 9 | Borrowings | 815.40 | 689.46 |
| 10 | Total Investments | 10,465.96 | 9,035.97 |
| 11 | Overdues (Percentage) | 1.91% | 2.52% |
| 12 | Net Profit | 118.12 | 180.62 |
| 13 | Previous Year's Profit c/f | 345.31 | 296.53 |
| 14 | Working Capital | 30,264.61 |
26,896.03 |
B] Others
| S No. | Particulars | As on 31.03.2026 | As on 31.03.2025 |
|---|---|---|---|
| 1 | Total Branches | 193 | 183 |
| 2 | Members | 119119 | 113474 |
| 3 | Nominal Members(Borrowers) |
4035 | 4588 |
| Total Staff | 3210 | 3130 |
Our Board of Directors
Our Board of Management
- CA Milind Kale completed his schooling at the renowned school Jnana Prabodhini and college education at Ness Wadia College.