In India the Co-Operative Act was first created in 1904 and then passed again in the year 1912 as the Cooperative Act which led to the formation of the Central Co-Operative Banks and the States initiated the formation of various Co-Operative Banks. In year 1924 month of May 16 the “Zila Sahkari Bank Ltd., Kotdwar” was founded in District Kotdwar on that time its work area is limited in only Kotdwar .

           In the beginning the bank faced several financial problems, during which the bank received continued support of the city's public. Just as a small seed gradually assumes the form of a giant tree, in the same way the bank grew gradually day by day. In 1949, Bank completed its first Silver Jubilee (25 years) with flying colours. In 1965, the new Co-Operative Act was passed after which the bank progressed continually. 

Reserve Bank of India granted license to the Bank for doing business in Banking Sector. The most prominent feature of our bank is that, since its inception date the Bank has always been in Profit.   

          Bank’s progress and development is made possible by our hardworking representatives of the people, by the guidance of the departmental officials, by smooth transmittal and bank personnel’s integrity and sweat. Currently all the Branches of the Bank have been computerized as a first step toward modern banking. The Bank is working on CBS Platform. RTGS and NEFT are operational for instant fund transfer facility throughout the country and as well as ATM’s are being operated.