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Our Services

Innovative banking powered by technology — from BeaconPro CBS to India's first cooperative bank digital currency.

What We Offer

Banking Services

Comprehensive digital and traditional banking services for individuals, families and businesses.

Core Banking

BeaconPro CBS

Real-time, browser-based core banking system by Sesame India, Kozhikode. Used by 200+ cooperative banks across Kerala.

  • Developed by Sesame India, Kozhikode
  • 200+ cooperative banks in Kerala
  • Real-time transaction processing
  • Browser-based — no software install
Extended Hours

Evening Banking

Chelari Branch offers extended banking hours 8 AM to 8 PM, Monday to Sunday — serving working professionals and students.

  • Chelari Branch: Mon–Sun 8 AM–8 PM
  • Full banking services available
  • No appointment needed
  • Ideal for working professionals
Transfers

NEFT / RTGS

Send and receive money across India instantly with NEFT/RTGS interbank transfer facilities at competitive service charges.

  • Interbank transfers pan-India
  • Competitive processing fees
  • RTGS for high-value transactions
  • NEFT available during banking hours
India's First Coop Digital Currency

COOPaisa

India's first cooperative bank digital currency, launched November 2016. Works on smartphones (QR) and basic phones (OTP) at 100+ stores.

  • India's first cooperative bank digital cash
  • Launched November 2016 (post-demonetisation)
  • Works on smartphones (QR code)
  • Works on basic phones (OTP-based)
Mobile App

E-Passbook App

Download the Rural Bank E-Passbook app on Google Play to check balance, view statements, and access your digital passbook anywhere.

  • Available on Google Play Store
  • View account balance instantly
  • Download mini statements
  • Digital passbook — always up-to-date
FCBA 2017 Award

Business Correspondent

Award-winning Business Correspondent program (FCBA 2017) driving financial inclusion across Thenhipalam, Chelembra, Pallikkal panchayaths.

  • FCBA 2017 Best BC Performance
  • Financial inclusion leadership
  • Door-step banking services
  • SHG & self-employment linkage
Digital Innovation

India's First Cooperative Bank Digital Currency

COOPaisa — launched in November 2016, immediately after demonetisation — was a pioneering step in cooperative digital banking. Developed by Sesame Technologies, Kozhikode.

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Smartphone Users

Scan a QR code to pay instantly. Secure, fast and convenient — no cash needed.

QR Code Payments
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Basic Phone Users

Use OTP-based transactions — no smartphone required. True financial inclusion for all.

OTP-Based Payments

100+ Accepting Stores across 6 Panchayaths

ThenhipalamChelembraPallikkalPeruvallurMunniyurVallikkunnu

Developed by Sesame Technologies, Kozhikode. Operational since November 2016.

Community Impact

Community Programs

TCRB goes beyond banking — actively investing in the community it serves.

Sahakaranam Circular

Sahakaranam Circular

Cooperative awareness program connecting members across Malappuram district.

Green Earth Farmers Club

Green Earth Farmers Club

123 enrolled beneficiaries with 95 actively earning — sustainable agriculture and livelihood support.

Business Correspondent

Business Correspondent

Award-winning BC program bringing banking services to the doorstep of the community.

Convenience

Utility Services

Pay your bills and access essential services — all at your TCRB branch.

📞

Telephone Bill Payment

💡

Electricity Bill (KSEB)

📺

Cable TV Bill

🥛

Milk Bill Payment

🏛️

Tax Collection

🏥

Hospital Bill Payment

🎓

Education Fee Payment

🚌

KSRTC Ticket Booking

💧

Water Bill (KWA)

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Postal Services

Recognition

Awards & Achievements

TCRB's innovation and community service have been recognised at state and national levels.

2018

FCBA 2018

Best BC Performance & Best Data Security — recognising excellence in cooperative banking.

2017

Banking Frontiers 2017

Best Business Correspondent Performance, awarded at the national conference in Jaipur.

2016–17

NABARD Award

Best Primary Co-operative Society — SHG Bank Linkage Programme by NABARD.

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Download Rural Bank E-Passbook

Manage your TCRB account on the go. Check balance, view transactions, and access your digital passbook — anytime, anywhere.

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