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The Citizens' Cooperative Bank is the first and foremost Urban Cooperative Bank of J&K State which was registered with the Registrar Cooperative Societies J&K Jammu on 4th of March 1978 and was issued license by the Reserve Bank of India to commence banking business under section 22 of the Banking Regulation Act 1949 on 14th August 1978.

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The Citizens' Cooperative Bank Jammu is the "First and Largest Urban Cooperative Bank" in the Jammu & Kashmir. The Bank was registered as Cooperative Societies under J&K Cooperative Societies Act 1960 on 4th of March 1978.Reserve Bank of India Issued Licence NoACD.J&K 114P in favour of The Citizens' Cooperative Bank Ltd., Jammu on 14-08-1978 to carryon banking business in India. The bank with its registered office and its first branch at Moti Bazar Jammu commenced banking business on 3.10.1978. At the outset bank had only 738 Share holders with total Share capital of Rs.1.96 lacs including Govt. share capital of Rs.1.00 lac. The area of operation of the bank at the time of commencement of its business was confined to the Municipal limits of Jammu City which has now been extended to the whole of Jammu Province. The Bank has been fully computerized under Core Banking Solution.


The Citizens' Cooperative Bank Ltd. offers various financial schemes for establishment of new business, for expansion of existing business and other financial loan needs.