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TJSB Bank
TJSB Bank is a multi-state cooperative bank founded in 1972 in Thane, India. It provides services including savings and checking accounts, loans, digital...
TJSB Bank
TJSB Bank is a multi-state cooperative bank founded in 1972 in Thane, India. It provides services including savings and checking accounts, loans, digital banking, and insurance solutions. The bank serves both individual and business customers.
General information
Firm type
Bank / Wealth / Trust
Year founded
1972
Location
Region
Asia
Country
India
City
Thane
Corporate office
Thane, Maharashtra, India
Sector focus
Frequently asked questions
What is the bank's treasury function and how material is it to earnings?
TJSB Bank runs an active treasury operation that manages statutory liquidity ratio (SLR) investments exceeding RBI minimums, alongside a corporate bond and equity mutual fund portfolio. The treasury book functions as a distinct profit center, deploying surplus deposit liquidity into government securities, corporate debt, and money-market instruments. Public disclosures show treasury income contributing a meaningful but secondary share of total revenue, with net interest income from the retail and MSME loan book remaining the primary earnings driver.
What is TJSB Bank's geographic footprint?
The bank's branch network spans five Indian states: Maharashtra (where it is most concentrated, particularly in Thane, Mumbai, and Pune), Gujarat, Goa, Karnataka, and Madhya Pradesh. This multi-state presence is unusual for a cooperative-origin bank and reflects its 1988 conversion to a scheduled commercial bank status under RBI.
How does TJSB Bank's lending book break down by sector?
The bank's public disclosures indicate a loan book concentrated in retail credit, with housing finance, small-business lending, and gold loans forming the three largest segments. Commercial real estate financing also represents a material allocation. MSME lending is a stated strategic priority, with the bank participating in government-backed credit-guarantee schemes including the CGTMSE program.
What regulatory framework does TJSB Bank operate under?
TJSB Bank is regulated by the Reserve Bank of India as a scheduled commercial bank, subject to the same prudential norms as larger private-sector and public-sector banks: capital adequacy requirements under Basel III, SLR and CRR maintenance, and periodic RBI asset-quality reviews. Because of its cooperative origins, it also reports to the National Federation of State Cooperative Banks, creating a dual regulatory layer that imposes additional governance and reporting obligations.
Does TJSB Bank have any subsidiaries or affiliated vehicles?
The bank operates a single non-banking subsidiary, TJSB Sahakari Bank Ltd., which handles certain cooperative banking functions. No other material subsidiaries, alternative investment funds, or wealth-management affiliates have been disclosed in public filings, keeping the group structure simpler than many comparably sized private-sector banks that layer on asset management or insurance arms.
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