About EDCB
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Co-operative Loans | Personal Loan |     
About EDCB

2011 is the Golden jubilee year of Ernakulum District Co-operative Bank Ltd., the leading District Co-operative Bank in Kerala.  The history of the bank began in the year 1961, when it started functioning on March 15th, to cater the banking needs of people, especially of rural population across Ernakulum district. 

Before creation of State of Kerala, Co-operatives under the state were administered by the Travancore Co-operative Societies Act V of 1112(M.E), Cochin Co-operative Societies Act XXVI of 1113(M.E) and Madras Co-operative Societies Act 1932.  After the integration of Travancore and Cochin, Travancore-Cochin Co-operative Societies Act 1951 came into force with effect from 1.9.1952.  After the formation of Kerala State, the Kerala Co-operative Societies Act of 1969 came into force with effect from15.5.1969 in order to enact a uniform law on co-operation applicable throughout the State.

EDCB is registered under the Travancore-Cochin Co-operative Societies Act, 1951 (Act x of 1952) on 10-12-1960, and started functioning on 15-03-1961.  The Bank comes under Banking Regulation Act and Kerala Co-operative Societies Act 1969.  The Bank’s service area extends to the whole of Ernakulum District in the Indian state of Kerala. At present, the Bank has membership strength of 633, all of which are cooperative societies.  With superior quality technology and matchless customer service, EDCB is a leading player among all other cooperative banks of the state.

Bank implemented   Centralised Online Real time Electronic Banking solution (CORE BANKING), the world-renowned core-banking solution ‘FINACLE’ (Retail banking module) developed by Infosys; since March 2004 to provide modern Banking service to the customers in all walks of life.   EDCB is the first in the co-operative sector in Kerala, and the 2nd in India, that implemented CORE Banking. Bank has a well equipped Data Center having all security set ups in line with industry standards.

EDCB is an ISO 9001:2008 (approved by WQA) certified bank. By establishing and implementing the quality management system, the bank is striving to consistently achieve excellence in the areas of error free operational results, quality assurance, sustaining customer relations and to set a vision to be a significant leader in the similar field. We at EDCB are committed to be the bank of the people by providing a superior customer experience through effective financial solutions in a consistent, seamless manner with a focus on continual improvement and adaptability to change, clinging on the Co-operative principles and values and also by establishing and maintaining a quality management system, based on international quality standards.

In 2011 Bank completed 50 years and also crossed the business level of Rs 5000 Crores. In 2015 Bank crossed the business level of Rs.10000 Crores.


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