Government Registered • Class-1 Cooperative Society

Empowering Othukkungal with Trust & Cooperative Banking

For over three decades, Othukkungal Service Co-operative Bank Ltd. has been the heartbeat of financial growth, farming credit, and household prosperity in our community.

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30+ Years

Community Trust

15,000+

Active Customers

100%

Deposit Security

Current Interest Rates

Best returns on your hard-earned savings

Gold Loan From 8.50% p.a.
1 Year Fixed Deposit Up to 8.25% p.a.
Senior Citizen Special Extra 0.50% Benefit
Savings Bank (SB) 4.00% p.a.
View All Schemes & Rates
UPDATES
Attractive interest rates for Fixed Deposits | Instant Gold Loans at minimum interest with maximum valuation | Neethi Medicals & Fair Price Store open 6 days a week | Special deposit rates for Senior Citizens!

Fast Disbursal

Instant gold loans within 15 minutes with hassle-free documentation and maximum per-gram value.

Cooperative Security

Your deposits are 100% secure, regulated under the Kerala Co-operative Societies Act.

Community Welfare

From Neethi Medical store providing medicines at discount to subsidised agricultural credit.

Member Dividends

Our members are our shareholders, sharing directly in the annual growth and surplus dividends.

ABOUT OUR BANK

Three Decades of Trust, Growth & Community Banking

Located at Othukkungal in Tirurangadi Taluk of Malappuram District, the institution was registered as an “Aikya Nanya Sangham” on 10 February 1939. It commenced its operations on 10 March 1965. Subsequently, it was registered as a Service Co-operative Bank on 20 October 1965 and began functioning in its new capacity on 1 November 1965.

30+ Years of
Service
15K+ Trusted
Members
100% Deposit
Safety
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Othukkungal Service Co-operative Bank Head Office Building
Govt. Reg. F 1039
Class-1 Co-operative Bank
FINANCIAL PRODUCTS

Comprehensive Banking for Everyone

Tailored deposit and credit solutions designed to empower local farmers, entrepreneurs, and families.

Gold Loan Service
Instant Disbursal

Instant Gold Loan

Quick cash against your gold ornaments with safe vault storage and flexible repayment options.

  • Fast sanction in 10-15 minutes
  • High loan value per gram
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Fixed Deposit Service
Fixed Deposit

Fixed Deposit

Earn higher interest with our fixed deposit schemes — perfect for savings and long-term security.

  • Guaranteed attractive interests
  • Flexible tenure options
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Locker Service
Safe & Secure

Locker Facility

Secure locker facility to protect your valuables with unlimited access during banking hours.

  • Secure Storage for Valuables
  • Convenient Locker Access
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Housing Loans
Safe & Secure

Housing Loan

Build or renovate your dream home with affordable housing loans featuring low interest rates and flexible repayment options.

  • Low Interest Rates
  • Flexible Repayment Options
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Savings Bank Account
Daily Banking

Savings Bank Account

Safe home for daily funds with zero hidden charges, convenient passbook and transfer facilities.

  • Zero or low minimum balance
  • Direct Benefit Transfer (DBT)
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Internet Banking
Digital Banking

Internet Banking

Manage your bank accounts, transfer funds, and access banking services 24/7 from the comfort of your home.

  • Fund Transfer (NEFT/RTGS/IMPS)
  • View Account Details
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INTERACTIVE TOOLS

Plan Your Finances

Estimate your monthly loan EMI or watch your deposit maturity grow with our easy calculator.

Loan Amount (₹) ₹ 2,00,000
Tenure (Years) 3 Years
Interest Rate (% p.a.) 9.5%
Estimated Monthly EMI
₹ 6,406
Total Interest Payable ₹ 30,627
Total Payment (Principal + Interest) ₹ 2,30,627

Join Hands with Othukkungal's Trusted Bank

Experience the warmth of community banking backed by government security and superior deposit returns.

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