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Welcome to HPSCARDB

Welcome to The Himachal Pradesh State Cooperative Agriculture & Rural Development Bank Ltd website. Click Read more to know more about bank.

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We Help You Grow Your Business

We have different range of Lending Schemes that can help you to give a boost to your business.

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Loans With Attractive Interest Rates

We provide different type of loans with attractive interest rates. Click Read more to know about loans.

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Who we are

This bank is an apex institution in the co-operative sector in the state of Himachal Pradesh for providing investment credit/finance to agriculturists, horticulturists, rural artesians for development of agriculture, agriculture allied activities and Micro, Small & Medium Enterprise(MSME) activities.

  • Our Mission

    The mission of HPSCARDB Ltd. is to create value by consistently delivering the thrift industry’s top financial performance, and by providing those who live and work in Rural areas of Himachal Pradesh with easy access to the full range of financial products and services they seek.

  • Our Vision

    We aspire to become the locally owned, independent cooperative bank of choice for farmers of Himachal Pradesh. We will combine steady growth, consistent earnings, and firm control of risk factors to provide safety for our depositors.

  • Our Values

    We as a bank want to grow and for that we have core values as Integrity and Honesty, establish caring relationship with our customer and treat them with respect.


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We Provide Loans For

Land Development

Land Development means to convert barren land or uncultivable land into cultivable. It also includes Land releveling as well and we provide loan for this.

House Construction

House Construction includes construction of new houses in rural areas, for construction of hotel or commercial Complex and also for repairing of old houses.

Agriculture Allied Activities

Agriculture Allied activities includes dairies, fishery, animal husbandry, poultry, Beekeeping and Sericulture.

Minor Irrigation Schemes

Irrigation includes to create a concrete tank, dugg well, borewell, for drip irrigation, For constuction of tank, water channel and installation of sprinkler and lift water scheme.

Agriculture Equipments

Agriculture Equipments means to get loan for purchase of tractor/trolley, weeder. thresher and other equipment that is used in agriculture activities.


Horticulture includes growing and handling fruits, nuts, vegetables, herbs, flowers, foliage plants, woody ornamentals, and turf.


Our Message

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    This website is a portal through which we intend to remain connected with all stakeholders and to provide the detailed information of the Bank's activities, product and services etc. The main focus of the Bank initially had been to advance loans to the farmers for redemption of their land and to save them from the clutches of money-lenders and big land lords. With the passage of time, the Bank changed its lending policies and started providing long term credit/loans for development activities.

    Sanjay Singh Chauhan
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    I take this opportunity to thank our valued customers and welcome them to HPSCARDB corporate website. HPSCARDB since its inception in the year 1961 has prided itself with being institution that provides financial intermediation for development and modernization of a farm sector and non farm sector in the state having its focus on the development of rural areas. We encourage you to explore our diverse range of products and services and look forward to your repeat visit to our website.

    Sachin Kanwal
    Managing Director
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    This website is a medium to provide useful information about our product and services to our valuable customers. Customers can check the Interest rates on FD, RD and different loan schemes that we provide.

    R N Jamalta
    General Manager