The history of Urban Co-operative Banks (UCBs) in India dates back to the late 19th century. The first UCB, the Bombay Co-operative Bank, was established in 1869. This marked the beginning of a strong Co-operative banking movement aimed at addressing the financial needs of urban and semi-urban areas. Founded on the core Co-operative principles of self-help, mutual assistance, and local development, UCBs have continued to play a vital role in India’s financial landscape. Over the years, they have made a significant contribution to the financial inclusion of the public.