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The Citizens’ Cooperative Bank is the first and foremost Urban Cooperative Bank of J&K State which was registered with the Registrar Cooperative Societies J&K Jammu on 4th of March 1978 and was issued license by the Reserve Bank of India to commence banking business under section 22 of the Banking Regulation Act 1949 on 4th August 1978. The bank with its registered office and its first branch at Moti Bazar Jammu commenced business on 3.10.1978. At the outset it had only 738 Share holders with total Share capital of Rs.1.96 lacs including Govt. shares of Rs.1.00 lac. The area of the operation at the time of commencement of its business was confined to the Municipal limits of Jammu City which has now been extended to the whole of Jammu Province.