The Hoshiarpur Central Co-operative bank has been serving the community for more than 100 years by providing banking services in the region. The bank has been working for agricultural credit with potential to reach farmers and establishing the grass-root contacts with them. To promote small scale industries (SSIs), small businesses/SMEs/service units and other entrepreneurships and for promoting self employment bank is providing finance under various Non Farm Sector schemes like composite loans, integrated loan, SRWTO loans, cash credit to retail traders etc. Apart from it bank is also providing loans against property, vehicle loan, personal loans, consumer durable loans, housing loans urban/rural loans at attractive interest rates. Further bank is providing a very competitive and attractive rate of interest to it deposits. Bank has also installed locker facilities. HCCB has adopted latest technology like RTGS, and NEFT for its customers, it has also gone live with ATM technology, Rupay cards and in short time going to implement net banking, mobile banking. The bank has planned to achieve total financial inclusion by promoting SHGs, JLGs, Kisan Clubs, opening no frill accounts and also spreading banking awareness to provide financial services at affordable costs to vast sections of disadvantaged and low income groups across the district.
The confidence reposed by our more than five Lac customers on us has inspired us to put in consistently better performance year after year. Our bank has taken the message of banking to the common man in the remote villages of Punjab. Further, we have always been close to our customers and the customers too have reciprocated in good measure, for which we are highly indebted.
I am confident that with our continued patronage and our concerted efforts, this Bank would be able to surge ahead and further enhance stakeholders' value.