Tripura State Cooperative Bank posts ₹78 crore net profit, 7th straight year
Synopsis
Tripura's oldest cooperative bank has doubled its net profit in a single year — ₹78.08 crore in FY2025-26, up 103% — while clocking a 40% jump in operating profit and a CD ratio that outpaces the state average by 11 percentage points. Seven straight years in the black signal a structural turnaround for a bank that once struggled to stay solvent.
Key Takeaways
Tripura State Cooperative Bank (TSCB) posted a record net profit of ₹78.08 crore in FY2025-26 , up 103 per cent year-on-year.
This is the bank's seventh consecutive year of profitability and the highest net profit in its history.
Operating profit rose 40 per cent to ₹166.08 crore ; total business volume reached ₹6,950.92 crore .
The bank's Credit-Deposit ratio stands at 66 per cent , well above Tripura's state average of 55 per cent .
New services launched at the 43rd AGM : an ATM at Vikramnagar branch and a mobile banking app on the Apple App Store.
A dividend of ₹16.83 lakh was handed over to the Tripura government at the event.
Tripura State Cooperative Bank (TSCB) recorded a ₹78.08 crore net profit for the financial year 2025-26, marking its seventh consecutive year of profitability and the highest net profit in the bank's history, senior officials announced at its 43rd Annual General Meeting (AGM) held in Agartala on 28 June 2025. The milestone underscores the state-owned cooperative bank's growing footprint in Tripura's rural financial ecosystem.
Record Profits and Business Growth
TSCB Chairman Nagadhiraj Dutta said the bank's net profit grew by 103 per cent compared to the previous financial year 2024-25, making it the strongest earnings performance in the institution's nearly seven-decade history. The bank also posted an operating profit of ₹166.08 crore in 2025-26, a 40 per cent rise over the preceding year.
Total business volume reached ₹6,950.92 crore during 2025-26, an increase of approximately ₹289.11 crore over the previous financial year, Dutta said. The bank currently operates through a network of 67 branches and 12 ATMs across the state.
What Government Ministers Said
Tripura Finance Minister Pranajit Singha Roy, addressing the AGM at Nazrul Kalakshetra in Agartala, said cooperatives play a crucial role in strengthening the rural economy and that the TSCB has contributed meaningfully to the socio-economic development of people in rural areas. He highlighted that the bank's Credit-Deposit (CD) ratio stands at 66 per cent — significantly higher than the state's average CD ratio of 55 per cent — while calling for further improvements in customer service and simplified lending procedures.
Cooperation Minister Shuklacharan Noatia noted that the primary objective of the cooperative movement is to strengthen rural economies and accelerate financial development. He observed that many self-help groups (SHGs) in Tripura are becoming self-reliant by availing loans from cooperative banks and undertaking income-generating activities.
New Services Launched at the AGM
Finance Minister Pranajit Singha Roy inaugurated a new ATM counter at the bank's Vikramnagar branch, while Cooperation Minister Shuklacharan Noatia launched the bank's mobile banking service on the Apple App Store. A dividend of ₹16.83 lakh was handed over to the Tripura government on behalf of the TSCB during the event.
Historical Context and Rural Mandate
The Tripura State Cooperative Bank Ltd. was established on 21 January 1957 under the Bombay Cooperative Societies Act, making it the oldest cooperative bank in the Northeastern region. Over the decades, it has played a central role in promoting cooperative banking and rural development in the state. The bank has also been extending financial assistance to small and marginal farmers and unemployed youth under various Central and state government schemes, officials noted.
With seven straight profitable years now on record and a landmark net profit doubling in a single year, the TSCB's trajectory will be closely watched as Tripura looks to deepen institutional credit access in its rural hinterland.
Point of View
But the more important question is credit quality: rapid profit growth in cooperative banks has historically masked rising NPAs that surface in later cycles. The launch of mobile banking on the Apple App Store is a symbolic step, but in a state where rural penetration of smartphones remains uneven, the real test is whether digital access translates to deeper financial inclusion or merely serves the already-banked. The bank's rural mandate — serving small farmers and unemployed youth — must be the benchmark against which these headline numbers are measured.
NationPress
28 Jun 2026
Frequently Asked Questions
What is the net profit of Tripura State Cooperative Bank for FY2025-26?
The Tripura State Cooperative Bank recorded a net profit of ₹78.08 crore for FY2025-26, a 103 per cent increase over the previous financial year. This is the highest net profit in the bank's history and its seventh consecutive profitable year.
How many consecutive years has TSCB been profitable?
The TSCB has now posted profits for seven consecutive years as of FY2025-26. The bank's chairman Nagadhiraj Dutta described it as the highest-ever net profit in the institution's history, which dates back to 1957.
What is Tripura State Cooperative Bank's Credit-Deposit ratio?
The TSCB's Credit-Deposit (CD) ratio stands at 66 per cent, which is significantly higher than the Tripura state average of 55 per cent. Finance Minister Pranajit Singha Roy highlighted this at the 43rd AGM as a key indicator of the bank's lending activity.
What new services did TSCB launch at its 43rd AGM?
At the 43rd AGM held in Agartala on 28 June 2025, the bank launched a mobile banking service on the Apple App Store and inaugurated a new ATM counter at its Vikramnagar branch. A dividend of ₹16.83 lakh was also handed over to the Tripura government.
When was Tripura State Cooperative Bank established?
The Tripura State Cooperative Bank Ltd. was established on 21 January 1957 under the Bombay Cooperative Societies Act, making it the oldest cooperative bank in the Northeastern region of India.
