Internet Banking

At Cosmos Bank, we are committed to helping you meet all your banking needs to the best of our ability. You can access internet banking portal of our website at any hour of the day. There are no fixed timings to use the facilities. Moreover, enjoy the luxury of getting all the work accomplished at the comfort of your home or office, at any hour that is preferable for you

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Plot No-6, S.No-132/B, ICS Colony, Ganeshkhind Road, Pune
+91-20-67086708

Call Toll Free

1800 233 0234

customercare@cosmosbank.in

Weekdays 10 AM to 6 PM

Sunday : Closed

The Cosmos Way

Vision
  • To be world-class co-operative bank
  • To deliver a memorable, unique, delightful banking experience
  • To add genuine value to the lives of all those we touch
  • To be the preferred bank for all stakeholders, customers, employees, Investors, vendors partners, associates
  • To be a model global corporate institution
Mission
To achieve our vision by:
  • Constantly innovating and thereby ensuring that we lead and not simply follow what is state-of-the-art in banking
  • Maintaining warmth and the personal touch across all relationships through Team Cosmos- a team of knowledgeable, always available, impeccably courteous and dedicated professionals
  • Proactively working towards the full realization of the potential of the co-operative sector, including financial inclusion
  • Ensuring the highest ethical standards, professional integrity, corporate governance and regulatory compliance
Values
  • Customer Centricity
  • Continuous Learning
  • Technology with Sensitivity
  • Ethics
  • Transparency
  • Teamwork
  • Operational Efficiency
  • People Empowerment

Our History

In the world of Co-operative Banking, The Cosmos Co-operative Bank Ltd. holds the record of 116 years of relentless service to its more than 20 lakh satisfied customers through 144 branches in 7 States. Over the past decade, the Bank has made continual progress and has set a model example to co-operative banks by its professional conduct. The bank is committed to maintain the highest level of ethical standards, professional integrity, corporate governance and regulatory compliance. Established with an objective to provide personalized banking services to varied customer base, the bank has served the purpose by understanding the needs of various customers truly and deeply, and designing its products accordingly. Being the member of BCSBI, Bank ensures the highest standards of banking practices to customers.

The Board of Directors includes eminent and learned personalities from various professions having proficient approach towards formation of policies. The bank is managed by highly qualified, dedicated, dynamic and sincere Management Team.

Cosmos Bank is not just a Multi-state Scheduled Co-operative Bank but a professionally managed 'Financial Institution'.

Cosmos Bank has brought optimum benefits to the Bank's customers like:

Anytime banking through our ATM network
Installation of onsite/offsite ATM's at our Branches/ Extension Counters
More than 2.49 lacs+ ATMs are connected through Banks and NFS Tie Ups
Sweep Facility for transfer of funds between accounts of customers
Facility to transfer funds instantaneously to any account in any of our branch network
RTGS / NEFT Service for quick transfer of Funds
Periodic interest on Fixed Deposits in disbursed through the Electronic Clearing Scheme( ECS)
Account Statements available through E-mails
SMS facility for Account Balance, View of Last Three Transactions and Cheque Status
Availability of Franking Facility
Pune Corporation Tax acceptance facility Availability of E-Tax Payment facility
Utility Bill Payment facility for Telephone, Electric, Mobile Bills, Insurance premiums, Donations etc

Geographical Set-Up

Financial setup of the bank as on 31.03.2021 was ₹ 28,031.12 Crore, comprising of deposits of ₹ 16,150.45 Crore and advances of ₹ 11,880.67 Crore.

Cosmos Bank operates through 144 branches in India spread across 7 States and in 44 Major Cities, which are as follows

S No. State Cities
1 Maharashtra Mumbai | Pune | Nagpur | Aurangabad | Nashik | Baramati | Jalna | Kolhapur | Satara | Phaltan | Sangli |
Solapur | Bhusawal | Jalgaon | Amravati | Yavatmal | Ichalkaranji | Ahmednagar | Badnera| Thane | Vasai |
Karad
2 Gujarat Surat | Ahmedabad | Vadodara | Ankaleshwar | Rajkot | Bhuj | Gandhidham | Bhavnagar | Morbi | Nadiad | Anand | Vapi
3 Karnataka Bengaluru | Belgavi | Nipani
4 Tamilnadu Chennai | Coimbatore | Hosur
5 Andhra Pradesh Vijaywada
6 Telangana Hyderabad | Secunderabad
7 Madhya Pradesh Indore

Our Financial Strength

"Cosmos Bank is the oldest leading cooperative bank in India. Over the century, it has strengthened its financial set up through innovative business.

Financial setup of the bank as on 31.03.2022 was ₹ 28815.28 Crore, comprising of deposits of ₹ 16522.37 Crore and advances of ₹ 12292.91 Crore."

A] Financials

₹ In Crore

S No. Particulars As on 31.03.2022 As on 31.03.2021
1 Paid up Share Capital 335.34 333.59
2 Reserves and Other Funds 1,765.27 1,738.70
3 Capital Adequacy Ratio (CRAR) 13.19% 12.54%
Deposits
4 Savings 3,289.03 2,942.84
5 Current 1,256.60 1,015.85
6 Term 11,976.74 12,191.76
  Total 16,522.37 16,150.45
Advances
7 Secured 12,091.17 11,826.71
8 Unsecured  201.74  53.96
  Total 12,292.91
11,503.15
9 Borrowings 719.18 672.00
10 Total Investments 5,292.00 5,327.35
11 Overdues(Percentage) 5.85% 7.73%
12 Profit for the year 65.91 56.78
13 Previous Year's Profit c/f 37.19 15.61
14 Working Capital 19,310.39 19,102.31

B] Others

S No. Particulars As on 31.03.2022 As on 31.03.2021
1 Total Branches 140 140
2 Members 91,691 85,695
3 Nominal
Members(Borrowers)
6,400 5,161
  Total Staff 2,657 2,728

Our Achievements

Cosmos Bank is the first Multi-state Co-operative Bank to implement Centralized Banking System

All Branches, Extension Counters, all Regional Offices and Head Office are interconnected through the Data Center situated at Head Office.

IBA Special Mention Award
  • ‘Cosmos Bank has won the prestigious, ‘Special Mention Award’, in the category of ‘Best Technology Award of the Year’ for 2020-21 from Indian Banks Association, the apex association of all banks of India.’
Express IT Award
  • Cosmos eSolutions and Services Pvt. Ltd., the fully owned subsidiary of The Cosmos Co-operative Bank Ltd., received the prestigious Financial Express', "Express I.T. Mobility Solutions Award" in Bengluru.
Infosys Finacle Client Award
  • The Cosmos Co-operative Bank Ltd., received ‘The Infosys Finacle Client Innovation Award 2017’.
  • The award was received in two categories i.e. Customer Service innovation for TABBANC with Micro ATM Solution and Innovative Custom Components developed with Finacle.
Special Award for effective Crisis Management
  • Bank received Special Award for effective Crisis Management from Banking Frontiers.
  • Cosmos Bank Chairman, C.A. Milind Kale received the award in presence of Vishwavir Das, Executive Director, Reserve Bank of India & Ex. Chief General Manager P.K. Arora.
Frontiers in Cooperative Banking
  • Chief Information Technology Officer (CITO) of Bank, Arti Dhole received the prestigious and coveted “Frontiers in Cooperative Banking” Award in “Leadership Category” for “IT Head of the year 2019-20”.
Digital Services with the Cooperative Bank Category
  • Bank is declared winner under the ‘Digital Services with the Cooperative Bank Category’ by Associated Chambers of Commerce and Industry of India (ASSOCHAM).
  • The award was presented to Cosmos Bank during the ASSOCHAM National E-Summit & Awards Banking & Financial Lending Companies “Digital Financial Services: Response To Atmanirbhar Bharat” today, i.e. Thursday, 29th April 2021.

Cosmos Bank has brought optimum benefits to the Bank's customers like:

Anytime banking through our ATM network
Installation of onsite/offsite ATM's at our Branches/ Extension Counters
More than 2.49 lacs+ ATMs are connected through Banks and NFS Tie Ups
Sweep Facility for transfer of funds between accounts of customers
Facility to transfer funds instantaneously to any account in any of our branch network
RTGS / NEFT Service for quick transfer of Funds
Periodic interest on Fixed Deposits in disbursed through the Electronic Clearing Scheme( ECS)
Account Statements available through E-mails
SMS facility for Account Balance, View of Last Three Transactions and Cheque Status
Availability of Franking Facility
Pune Corporation Tax acceptance facility Availability of E-Tax Payment facility
Utility Bill Payment facility for Telephone, Electric, Mobile Bills, Insurance premiums, Donations etc

Apart from these, we are making payments of Direct taxes and Indirect Taxes on behalf of our customers on their behalf to the Government through the on-line payment system linked with HDFC Bank Ltd./IDBI Bank Ltd.

Our Board of Directors

CA Milind Kale
Chairman
B.COM (Hon.), F.C.A, Grad. C.W.A, MBA (Finance), Diploma in Journalism
  • Under absolute adverse conditions he completed 5 professional courses viz., Chartered Accountancy, Cost Accountancy, Business Administration, MBA Finance and Journalism.
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Mr. Sachin Apte
Vice Chairman
B.E. Civil, M. E. (Struct.)
  • Mr. Sachin Apte is a Civil / Structural Engineer and working as a promoter and developer since last 25 years in India as well as abroad.
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Dr. Mukund Abhyankar
Director
M.A. (Eco.), Ph.D. (Bus. Admin), LL.B. (Gen), H.D.C.
  • Dr. Mukund Abhyankar is the veteran and mentor of Cosmos Family. He is Director of the Bank for last 43 years and during his Chairmanship, the Bank marked outstanding business growth.
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CA Jayant Barve
Director
Chartered Accountant
  • CA Jayant Barve is a practicing Chartered Accountant for last 20 years and is connected with major cooperative banks on account of business. He is an expert in Credit Portfolio.
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Prof. Rajaishwari Dhotre
Director
M.A. Economics, B.Ed.
  • Prof. Rajaishwari Dhotre is an expert in Economics having rich experience of 13 years in teaching. Currently working with Brihan Maharashtra College of Commerce, Pune (BMCC).
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Adv. Pralhad Kokare
Director
M. Sc. (Agri.), LL.B., GDC & A
  • Adv. Pralhad Kokare is a senior director of the Bank and expert in co-operative banking and laws. He is an efficient administrator who has been on the Board of Directors of Cosmos Bank for last 16 years.
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CA Praveenkumar Gandhi
Director
Chartered Accountant
  • CA Praveenkumar Gandhi is a Chartered Accountant with over 32 years of rich experience in the General Insurance Industry. He holds a degree in Commerce.
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Prof. Nandkumar Kakirde
Director
B.A., DTL., DMM., LL.M (PU), LLM (BV)
  • Prof. Nandkumar Kakirde is a highly educated lawyer and he has made special contribution in financial journalism. He is associated with education field through Bharatiya Vidyabhavan.
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Adv. Anuradda Gadale
Director
M.Com, LLM, Dip. IPR
  • Adv. Anuradda Gadale is University Topper, stood 4th in Pune University in DIPR. High Court Practitioner, experienced practice in Trust, Cooperative society, civil and criminal law.
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Mr. Ajit Gijare
Director
B.E. (Civil), M. E. (Struct.) - COEP
  • Mr. Ajit Gijare is a structural engineer, engaged in consultancy for process industries.
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CA Yashwant Kasar
Director
FCA, CISA, DISA, PMP, FAIA, CGEIT
  • CA Yashwant Kasar is a Fellow Chartered Accountant, Information Systems Auditor (DISA)
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Mr. Milind Pokale
Director
M. Com
  • Mr. Pokale is a highly educated promoter and builder.
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Mr. Arvind Tavare
Director
D.C.E; M. S. Civil (US); LEED® -G.A (US); PjM-I (US)
  • Mr Arvind Tavare, also serves as the Managing Director of Tavare Construction Company located in Pune city.
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Mr. Ravishankar Kore
Staff Representative
MBA
  • Working in bank since 1992.
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Mrs. Apekshita Thipsay
Managing Director
M.COM, LLB, CAIIB
  • Mrs. Apekshita Thipsay has vast banking experience of 38 years out of which 32 years is with Cosmos Bank.
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