Sahakaar Trends 2nd Edition – Jan 2026

‘Sahakaar Trends’ Report 2nd edition on Urban Co-operative Banks (UCBs) for the period ending Sep ‘25 provides a comprehensive analysis on credit trends for UCBs across the nation. Through these detailed data and insights, this report aims to inform stakeholders and policymakers about the critical trends and developments shaping the UCBs lending landscape. UCB outstanding loan balances stood at ₹3.4 lakh crore which is ~2% of industry portfolio and have witnessed 1.9-times growth in last 5 years.

The top 4 products in UCB portfolio are Commercial loan, Gold Loan, Housing loan and Personal Loan, which comprises of 55% of the overall UCB portfolio, with commercial loans having highest share and gold loan being the fastest growing product. In this edition of Sahakaar trends, we have done a deep dive for these four products and identified actionable insights and trends that can help UCBs optimize their product strategies, enhance customer engagement, and drive sustainable portfolio growth.

The next phase of UCB growth lies in transforming strong relationship pipelines into predictable balance-sheet outcomes. Strengthening execution capability, supported by digitization, therefore represents a significant opportunity for UCBs to improve credit delivery, retain high-quality borrowers, and expand lending within existing risk frameworks.