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Know your co-op society or bank
Plain-language facts about co-operatives across India: status, public records, deposit cover and figures from annual reports checked by people.
Three things worth knowing about any co-op
Is it still working?
Functional, dormant or in liquidation, from official records and the central registrar’s lists.
See watch listsAre loans going bad?
Bad loans as a share of all loans, next to the average for co-op and commercial banks.
RBI Financial Stability Report, 31 Mar 2026
Are deposits covered?
- Co-op banks: DICGC, up to ₹5 lakh
- Credit societies: no DICGC cover, only some state schemes
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Credit societiesTake deposits from members and lend to them. Not banks.PACSVillage crop loans and savings.Labour societiesWorkers’ societies that take public works contracts.Co-op banksLicensed by RBI. Deposits covered by DICGC up to its limit.Other co-operativesHousing, fishery, consumer, weavers and more.