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The Janatha Seva Co-operative Bank Ltd. (JSCBL) traces its origins to 1969, when it was established in Bangalore, Karnataka, as a Credit Co-operative Society by a group of local social workers committed to community growth. Its foundational purpose was to assist the economically weaker sections of society, thereby creating a "bank of the people" rather than a class-based institution, a mission reflected in its motto, "Prosperity through Co-operation". The institution gained its license as an Urban Co-operative Bank from the Reserve Bank of India (RBI) in 1996, which allowed it to expand its banking operations and serve a broader base in and around Bangalore.

Today, the JANATHA SEVA COOPERATIVE BANK LTD. operates as an active, private-sector Urban Co-operative Bank. As a co-operative entity, its ownership and governance are rooted in its membership, distinguishing it from publicly traded or government-owned banks. Within the Indian financial system, it holds significance as a long-standing local institution focused on financial inclusion and the delivery of modern banking services, including UPI, RTGS, and mobile banking, to local communities in Karnataka. Its role is characteristic of India's cooperative banking sector, which is crucial for extending credit and deposit facilities to small means clientele outside the purview of major nationalised and private banks.