# The Mehsana Urban Co. Op. Bank

The Mehsana Urban Co. Op. Bank is a Bank / Wealth / Trust based in Mehsana, India.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Mehsana, India
- **Region:** Asia
- **Address:** Mehsana, Gujarat, India
- **Assets under management:** Undisclosed
- **Website:** mucbank.com
- **LinkedIn:** https://linkedin.com/company/mehsana-urban-co-operative-bank-limited.-

## Regulatory record

- **Reports private funds:** No

## About

The Mehsana Urban Co. Op. Bank is a bank based in Mehsana, India, with approximately $349.11 million in assets. It operates primarily in Asia.

## Questions

### What investment asset classes can a regulated urban cooperative bank deploy into?

Indian cooperative banks face tight statutory limits. The bulk of investable surplus is channeled into central and state government securities to meet Statutory Liquidity Ratio requirements. Lending concentrates on priority-sector loans to agriculture, micro-enterprises, and small trade. Direct equity investment, real estate speculation, and offshore exposure are effectively prohibited under the Banking Regulation Act as applied to cooperative banks.

### How does the Mehsana district's economy shape MUC Bank's deposit base?

Mehsana is a core milk-shed district for Gujarat's dairy cooperative system, anchored by the Amul network. The resulting cash flows from dairying, agriculture, and ancillary small industries create a stable, sticky depositor base for the bank. This liability-side stability — a large number of small, recurring deposit accounts — is the bank's main structural asset relative to urban commercial banks operating in the same region.

### What does 'scheduled' cooperative bank status confer?

'Scheduled' status means the bank is listed in the second schedule of the Reserve Bank of India Act, qualifying it for borrowing from the RBI's liquidity facilities and participation in the payments system. The Mehsana Urban Co. Op. Bank holds this designation, separating it from smaller, non-scheduled primary cooperative banks and signaling a higher degree of RBI oversight and operational compliance.

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Last updated: 2026-06-03T20:00:00.000Z

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