In November 1974 the bank came under the Banking Regulation Act and became an RBI licenced bank on 17.06.1986. Currently, KUC Bank is one of the leading Urban Co-operative banks in Kerala having 10 branches with a dominating presence in the operational area of Kaduthuruthy, Manjoor, Neezhoor, Velloor, Mulakulam, and Kallara Panchayaths of Vaikom Taluk, Kottayam District in Kerala.

The bank has been maintaining it’s no 1 position under the leadership of the current and previous board members who continued to exhibit the vision and foresight for growth without compromise in the quality of service delivered. Thanks to these sustained and diligent efforts for about half a century of its functioning, the Bank gained a strong foundation in terms of its membership, resources, assets and profits. From the beginning onwards, focusing on customer service and keeping social responsibilities Bank has been fulfilling all the banking needs of its customers by providing with the state of the art banking facilities.

Bank is successful in mounting its deposits by introducing attractive deposits schemes like Saving Account, Current account, Fixed Deposit Account, NithyaVardhini Deposit Account, Recurring Deposit account, Anugraha Cash Certificate, Akshya Deposit Scheme etc. Members can avail Agricultural /Non- Agricultural loans, Business Loans, Housing Loans, Vehicle Loans, Education Loans, Personal Loans, Self-Employment Loans etc. and loans are sanctioned at the earliest possible time period.  We always offer attractive interest rates with DICGC insurance protection for deposits with us, we also serve the public by providing RTGS/NEFT, CTS Cheque Clearing, Demand Drafts, ATM/Debit Cards etc. and we are providing all these facilities at minimum or nil charges. Locker Safe facility has been introduced at all our branches at very reasonable rent.

All Our Deposits are insured with DICGC insurance protection as per RBI guidelines All our loans are covered under the Kerala Co Operative Risk fund scheme (CRF), subject to the terms & conditions .

Banks head office is situated at Kaduthuruthy. It has 10 branches spread over six panchayaths. Presently all our branches are linked to full-fledged core banking system and pan India ATM network. We have been strictly maintaining the prudential norms prescribed by the Reserve Bank of India, and thereby preserving our Grade position as Grade-1. As on 31.03.2021, total numbers of members are 39268 with a share capital amount of Rs.929.44 lakhs, total deposits of Rs. 28558.09, total loans of Rs. 17215.75 and our financial ratios are excellent.

We have maintained our status as “A Class Bank “. Our banks growth has been much appreciated by the people, as we have proved to be the back bone behind the economic progress and social development of the public in our area of operation. We maintain intimate public relationship by taking active participation in the field work during deposit mobilization, loan disbursement, overdue collection, and by conducting banking awareness programme to common public etc. As a part of social responsibilities, bank along with its staff members extends their helping hands towards relief activities during natural calamities and disaster time, the presence of bank and its staff given a warm experience to the public. Interest free loans, rephasements, one time settlement etc are some of the tools we extended to the affected lot.

Bank has grown to the present level of performance also due to the hardworking and committed friendly staff and the general public who always supported and cooperated with us for the entire period of journey.