Payangadi Urban Co-operative Bank Ltd.

Payangadi Urban Co-operative Bank Ltd. (Registration No. C 975) was established under the Kerala Co-operative Societies Act on 1^st April 1985 with the vision of providing reliable, customer-centric and community-oriented banking services. The Bank commenced its operations on 2^nd April 1985, laying the foundation for a financial institution dedicated to supporting the economic growth and financial well-being of the local community.

The Bank received its Banking License from the Reserve Bank of India (RBI) on 21^st June 1985, enabling it to function as a licensed Urban Co-operative Bank. Since its inception, the Bank has remained committed to the principles of co-operation, transparency, financial discipline and customer satisfaction while continuously enhancing its banking services through modern technology and professional management.

The Head Office and Main Branch are situated at Payangadi, Kannur District, Kerala. Over the years, the Bank has earned the trust of thousands of customers by offering a comprehensive range of banking products and financial services tailored to the needs of individuals, salaried employees, business owners, farmers, self-employed professionals and various community organizations.

The Bank's area of operation extends across the ten Grama Panchayats under the Kannur and Payyannur taluks, namely:

Guided by the core values of the co-operative movement, the Bank continues to play a vital role in promoting financial inclusion, encouraging savings, supporting entrepreneurship and providing credit facilities that contribute to the socio-economic development of the region. The Bank strives to maintain the highest standards of integrity, service quality and operational excellence while adapting to the evolving needs of the banking sector.

Today, Payangadi Urban Co-operative Bank Ltd. stands as a trusted financial institution committed to delivering safe, convenient and innovative banking solutions. With a customer-first approach and a strong commitment to community development, the Bank continues its journey of sustainable growth while strengthening the financial future of the people it serves.