Co-operative Banking Excellence

Empowering Communities, Protecting Savings & Building Futures

Velinalloor Service Co-operative Bank Ltd. (VSCO Bank) has stood as a beacon of financial trust, co-operative strength, and grassroots development in Kollam District, Kerala. Founded on the timeless principles of self-help and mutual aid, our bank was established to free local agriculturalists, traders, and families from exploitative lending while offering a secure, high-yield haven for hard-earned savings.

Over the decades, VSCO Bank has grown from a humble community credit society into a robust, digitally forward banking institution. While we continuously upgrade our banking infrastructure—introducing prompt NEFT/RTGS transfers, SMS alerts, and modernized branch facilities—our heart remains rooted in personalized, ethical community service.

Every decision we make is guided by democratic co-operative governance. Unlike commercial conglomerates, our profits are reinvested directly into member welfare, agricultural empowerment, educational initiatives, and local socio-economic upliftment.

Trusted Financial Legacy

Serving Velinalloor & surrounding regions with absolute transparency, regulatory adherence, and member-centric governance.

28+ Years of Dedicated Service
15k+ Active Members & Depositors
100% Community Reinvestment
A+ Audit & Governance Grade

Our Vision

To be the premier, technologically progressive co-operative financial institution in Kerala—fostering sustainable rural prosperity, financial self-reliance, and economic inclusivity across every household in our service area.

Our Mission

To deliver ethical, transparent, and prompt banking services through competitive credit schemes, secure high-yield deposit products, agricultural financing, and personalized member counseling that elevates the standard of living of our community.

Our Foundation

Why Members Choose VSCO Bank

Built upon the internationally recognized principles of co-operation, mutual respect, and absolute financial security.

Democratic Governance

Every member holds an equal democratic voice. Our operations are governed by an elected Board of Directors committed to integrity and fair policy.

Uncompromising Security

Your deposits and financial assets are protected by disciplined statutory auditing, sound liquidity management, and strict regulatory adherence.

Grassroots Development

We prioritize agricultural credit, small-scale entrepreneurship loans, gold loans, and self-help group financing to revitalize local commerce.

Modern Convenience

Experience the warmth of traditional cooperative banking paired with efficient computerized billing, fast remittance, and prompt customer care.

Our Premium Services

Personal Loans

Personal Loans

Customized personal finance solutions for medical emergencies, home renovation, education, and family celebrations with...

Gold Loans

Gold Loans

Instant financial assistance pledged against gold ornaments with maximum valuation, flexible repayment options, and comp...

Fixed & Recurring Deposits

Fixed & Recurring Deposits

High-yielding deposit schemes offering attractive and guaranteed returns with special preferential interest rates for se...

Safe Deposit Lockers

Safe Deposit Lockers

State-of-the-art secure vault and locker facilities available in multiple sizes at affordable annual rentals to safeguar...

Vehicle & Housing Loans

Vehicle & Housing Loans

Tailored financing for two-wheelers, commercial vehicles, plot acquisition, and home construction with attractive intere...

Coconut Processing Centre (Niravu)

Coconut Processing Centre (Niravu)

Velinalloor Service Co-operative Bank's state-of-the-art Coconut Processing Centre (Niravu) produces high-quality pure c...

Agricultural Loans (Kisan Credit)

Agricultural Loans (Kisan Credit)

Short-term and medium-term agricultural credit facilities with subsidized interest rates to support farmers in crop cult...

Self-Help Group (SHG) & Microfinance

Self-Help Group (SHG) & Microfinance

Financial empowerment and micro-credit facilities for women's self-help groups (Kudumbashree) and neighborhood collectiv...

Neethi Medicals & Consumer Superstore

Neethi Medicals & Consumer Superstore

Co-operative welfare initiatives providing quality generic medicines, essential groceries, fertilizers, and certified se...

Daily Deposit Scheme (Nithya Nidhi)

Daily Deposit Scheme (Nithya Nidhi)

Convenient doorstep daily collection savings scheme designed for small traders, daily wage earners, and shopkeepers to b...

Our Branches

Main Branch (Velinalloor)

Main Branch (Velinalloor)

Velinalloor PO, Oyoor, Kollam District, Kerala - 691510

9847456668

mainbranch@vscobank.com

Ambalamkunnu Branch

Ambalamkunnu Branch

Ambalamkunnu PO, Kottarakkara, Kollam District, Kerala - 691532

9847456668

vscob.ambalamkunnu@gmail.com

Ozhur Branch

Ozhur Branch

Ozhur, Kariyathoor PO, Kollam District, Kerala

9847456668

vscob.ozhur@gmail.com

Aakal Branch

Aakal Branch

Aakal PO, Kollam District, Kerala

9847456668

vscob.aakal@gmail.com