Reg. No. 1858 • Co-operative Banking Excellence

Empowering Communities, Protecting Savings & Building Futures Since 1995

Arackal Service Co-operative Bank Reg. No. 1858 (അറയ്ക്കൽ സർവ്വീസ് സഹകരണ ബാങ്ക് ക്ലിപ്തം നമ്പർ 1858) has stood as a trusted financial pillar, co-operative strength, and grassroots development catalyst in Kollam District, Kerala. Guided by democratic values, mutual aid, and self-reliance, our bank offers high-yield, secure savings facilities along with prompt credit assistance tailored for agriculturalists, traders, and families.

വാർഷിക പൊതുയോഗ സ്വാഗത സന്ദേശം (Annual Working Report Welcome) "അറയ്ക്കൽ സർവ്വീസ് സഹകരണ ബാങ്കിന്റെ വാർഷിക പൊതുയോഗത്തിൽ പങ്കെടുക്കുന്നതിന് എത്തിച്ചേർന്നിട്ടുള്ള എല്ലാ മാന്യ സഹകാരികളെയും ഞങ്ങൾ സ്വാഗതം ചെയ്യുന്നു. 2024-2025 വർഷത്തെ പ്രവർത്തന റിപ്പോർട്ടുകളും കണക്കുകളും, 2026-2027 വർഷത്തേയ്ക്കുള്ള ബഡ്ജറ്റും ബൈലാ ഭേദഗതികളും ബഹുമാന്യരായ അംഗങ്ങൾ ഓരോരുത്തരുടെയും ചർച്ചയ്ക്കും അംഗീകാരത്തിനുമായി സമർപ്പിക്കുന്നു."

With 17,288 A-Class members and total deposits exceeding ₹63.51 Crores, our institutional strength is anchored in strict regulatory compliance, transparent governance, and 100% community reinvestment into local agricultural empowerment and social welfare schemes.

Trusted Financial Legacy

Figures as per Working Report approved under Resolution No. 1858 dated 02-12-2025 (As of 31.03.2025).

17,288 A-Class Members (എ ക്ലാസ് അംഗങ്ങൾ)
₹63.52+ Cr Total Deposits (നിക്ഷേപങ്ങൾ)
₹50.62+ Cr Loans Outstanding (വായ്പ ബാക്കി)
₹2.34+ Cr Paid-up Share Capital (ഓഹരി മൂലധനം)
Institutional Performance & Financial Highlights

പ്രവർത്തന റിപ്പോർട്ട് 2024–25

Approved as per Resolution No. 1858 (185-ാമത് തീരുമാനപ്രകാരം) dated 02-12-2025 • Figures as of 31.03.2025

അംഗത്വം & ഓഹരി മൂലധനം

Membership & Share Capital
  • 17,288 Active A-Class Members (എ ക്ലാസ് അംഗങ്ങൾ)
  • ₹2,34,31,284.00 Total Paid-up Share Capital

നിക്ഷേപങ്ങൾ

Total Deposits
  • ₹63,51,93,767.13 Total Deposits balance (~ ₹63.52 Crores)
  • Safe, high-yield deposit schemes across Kollam District

കടങ്ങളും അഡ്വാൻസുകളും

Borrowings & Outstanding Advances
  • ₹10,39,20,657.40 Total Borrowings & Advances Balance
  • ₹10,33,29,207.40 Loan from Kerala State Co-operative Bank

മറ്റു ബാങ്കുകളിലെ നിക്ഷേപവും ഓഹരിയും

Investments & Shares in Other Institutions
  • ₹19,91,16,421.70 Bank Deposits held in Other Financial Institutions
  • ₹73,84,100.00 Share Capital Investments in Other Entities

വായ്പ പ്രവർത്തനം & റിക്കവരി

Loan Disbursals, Pension & Recovery
  • ₹31,82,98,836.00 Loans Disbursed across schemes during the year
  • ₹50,61,79,174.00 Outstanding Loans Balance at Year-End

നവകേരളീയം കുടിശ്ശിക നിവാരണം

One Time Settlement (OTS) & Relief
  • ₹67,40,432.00 Total Relief Granted under Navakeraliyam Scheme
  • 216 Loans Benefitted from special government order concessions

Our Vision

To be the premier, technologically progressive co-operative financial institution in Kerala—fostering sustainable rural prosperity, financial self-reliance, and economic inclusivity across every household in our service area.

Our Mission

To deliver ethical, transparent, and prompt banking services through competitive credit schemes, secure high-yield deposit products, agricultural financing, and personalized member counseling that elevates the standard of living of our community.

Our Foundation

Why Members Choose Arackal SCB Bank

Built upon the internationally recognized principles of co-operation, mutual respect, and absolute financial security.

Democratic Governance

Every member holds an equal democratic voice. Our operations are governed by an elected Board of Directors committed to integrity and fair policy.

Uncompromising Security

Your deposits and financial assets are protected by disciplined statutory auditing, sound liquidity management, and strict regulatory adherence.

Grassroots Development

We prioritize agricultural credit, small-scale entrepreneurship loans, gold loans, and self-help group financing to revitalize local commerce.

Modern Convenience

Experience the warmth of traditional cooperative banking paired with efficient computerized billing, fast remittance, and prompt customer care.

Our Premium Services

Personal Loans

Personal Loans

Customized personal finance solutions for medical emergencies, home renovation, education, and family celebrations with...

Gold Loans

Gold Loans

Instant financial assistance pledged against gold ornaments with maximum valuation, flexible repayment options, and comp...

Fixed & Recurring Deposits

Fixed & Recurring Deposits

High-yielding deposit schemes offering attractive and guaranteed returns with special preferential interest rates for se...

Safe Deposit Lockers

Safe Deposit Lockers

State-of-the-art secure vault and locker facilities available in multiple sizes at affordable annual rentals to safeguar...

Vehicle & Housing Loans

Vehicle & Housing Loans

Tailored financing for two-wheelers, commercial vehicles, plot acquisition, and home construction with attractive intere...

Agricultural Loans (Kisan Credit)

Agricultural Loans (Kisan Credit)

Short-term and medium-term agricultural credit facilities with subsidized interest rates to support farmers in crop cult...

Self-Help Group (SHG) & Microfinance

Self-Help Group (SHG) & Microfinance

Financial empowerment and micro-credit facilities for women's self-help groups (Kudumbashree) and neighborhood collectiv...

Neethi Medicals & Consumer Superstore

Neethi Medicals & Consumer Superstore

Co-operative welfare initiatives providing quality generic medicines, essential groceries, fertilizers, and certified se...

Ambulance Service

Ambulance Service

Arackal Service Co-operative Bank's state-of-the-art Ambulance Service provides 24/7 emergency medical transport to pati...

Our Branches

Main Branch (Arackal)

Main Branch (Arackal)

Arackal, Edayam PO, Valakom, Kollam District, Kerala - 691532

0475-2207039 / 0475-2991200

arackalscb@gmail.com

Valakom Branch

Valakom Branch

Valakom PO, Kottarakkara, Kollam District, Kerala - 691532

0474-2470094

arakkalscb.valakom@gmail.com

Thadikkadu Branch

Thadikkadu Branch

Thadikkadu PO, Kollam District, Kerala - 691537

0474-2207166

arakkalscb.thadikkadu@gmail.com