Rs.6,950 Crore Business: Tripura State Co-operative Bank Achieves Historic Milestone, First-Ever Shareholder Rs.16.83 Lakh Dividend to State Govt.

By Our Correspondent

Agartala, June 28, 2026

The Tripura State Co-operative Bank (TSCB) has scripted a new chapter in its history by recording its highest-ever financial performance, registering an impressive 103 per cent growth in net profit during the financial year 2025–26, declaring its first-ever dividend for shareholders, and handing over a dividend cheque of Rs.16.83 lakh to the Government of Tripura. The achievements were formally announced during the bank's 43rd Annual General Meeting (AGM) held at Nazrul Kalakshetra in Agartala on Saturday, where Tripura Finance Minister Pranajit Singha Roy and Minister Shukla Charan Noatia attended as the guest.

The Finance Minister inaugurated the AGM and received the dividend cheque on behalf of the State Government from the bank's leadership. The annual meeting marked one of the most successful years in the bank's history, reflecting significant growth in profitability, business expansion, operational efficiency and digital banking initiatives. The AGM was attended by Chairman Nagadhiraj Datta, Managing Director Bhajan Chandra Roy, directors, shareholders, cooperative representatives and senior officials.

Presenting the bank's annual report, the management announced that TSCB earned a record net profit of Rs.78.08 crore during 2025–26, more than doubling the previous year's profit of Rs.38.08 crore. This represents an outstanding 103 per cent increase, making it the highest annual profit ever recorded by the institution.

The bank also reported steady growth in its overall business. The total business volume reached Rs.6,950.92 crore, registering an increase of Rs.289.11 crore, or 4.34 per cent, over the previous financial year. Total deposits stood at Rs.4,187.51 crore, while total advances reached Rs.2,763.41 crore, reflecting the bank's continued role in financing agriculture, rural development, cooperative institutions, self-help groups, small businesses and individual borrowers across Tripura.

One of the most significant milestones announced during the AGM was the declaration of the first-ever dividend for Class A, B and C category shareholders in the history of the Tripura State Co-operative Bank. The bank also handed over a Rs.16.83 lakh dividend cheque to the State Government, underlining its improved financial strength and enhanced returns to stakeholders.

The annual report, however, also highlighted a decline in the bank's Credit-Deposit (CD) Ratio, which fell from 69.41 per cent in 2025 to 65.99 per cent in 2026, a decrease of 3.42 percentage points. The CD ratio measures the proportion of deposits that are deployed as loans and advances. Although the ratio has declined, the bank's management maintained that TSCB continues to record a higher CD ratio than many other cooperative banks operating in the country. Financial experts note that while a decline in the CD ratio may indicate that deposit mobilisation has outpaced credit growth, increasing productive lending remains important for accelerating economic development and generating employment.

The bank's financial indicators further reflected its strong operational performance. Its Capital to Risk-weighted Assets Ratio (CRAR) stood at 29.61 per cent, substantially higher than the regulatory minimum, demonstrating a robust capital base capable of supporting future expansion. The Net Interest Margin (NIM) was recorded at 3.87 per cent, indicating healthy earnings from lending operations.

The AGM also revealed improvements in operational productivity. Business per branch increased to Rs.110.35 crore, profit per branch reached Rs.2.64 crore, while business per employee rose to Rs.16.02 crore, reflecting enhanced efficiency, better resource utilisation and improved financial management across the bank's branch network.

Addressing the gathering, Finance Minister Pranajit Singha Roy said cooperative institutions continue to play a vital role in the socio-economic development of Tripura. He observed that cooperatives have become an important instrument for empowering farmers, rural artisans, self-help groups, small entrepreneurs and economically weaker sections by ensuring easier access to institutional credit and financial services. He said the State Government remains committed to strengthening the cooperative movement and expanding its contribution to inclusive and sustainable economic growth.

The Minister further stated that the cooperative banking sector has become one of the strongest pillars of rural development in Tripura by supporting agriculture, small-scale industries and self-employment initiatives. He urged the bank to continue modernising its services while expanding credit outreach to productive sectors, thereby contributing more effectively to the state's economy.

During the programme, the Finance Minister inaugurated the bank's new Apple m-Banking application, extending mobile banking facilities to Apple device users. He also inaugurated a new ATM counter at the Vikramnagar Branch, reaffirming the bank's commitment to digital banking, improved customer convenience and wider financial inclusion.

Chairman Nagadhiraj Datta and Managing Director Bhajan Chandra Roy expressed satisfaction over the bank's record-breaking performance and attributed the achievements to prudent financial management, improved recovery, stronger customer confidence and the dedicated efforts of employees across the state.

With record profitability, the first-ever dividend to shareholders, continued business expansion, strong capital adequacy and growing digital infrastructure, the Tripura State Co-operative Bank has consolidated its position as one of the state's leading financial institutions. At the same time, the moderation in the Credit-Deposit Ratio underscores the need for greater credit expansion so that the growing deposit base can be channelled into productive investments, strengthening rural entrepreneurship, employment generation and Tripura's overall economic growth.

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