Banking Rooted in Community Trust
Aapka Vishwas, Hamari Zimmedari
From the hills of Kohima to the valleys of Northeast India, Highland Valley Cooperative Bank has empowered farmers, families, and businesses for over three decades. We bring you modern banking with the warmth of a community that grows together.
Savings & Deposits
FD up to 7.25% p.a. for senior citizens
Easy Loans
Home, Kisan & Business loans from 8.5% p.a.
Govt. Schemes Support
PMJDY, PMAY, KCC & Mudra Yojana
4.8 / 5 Member Rating
Based on 2,400+ reviews
A Legacy of Trust in the Heart of Nagaland
Our Story
Founded in 1994 in Kohima, Nagaland, Highland Valley Cooperative Bank Ltd. began as a small society with a big vision — to bring formal banking to the underserved communities of Northeast India. What started with a single room and a handful of members has grown into a trusted financial institution serving over 50,000 members across 25+ branches.
As a cooperative bank registered under the Nagaland State Cooperative Societies Act, we are regulated by the Reserve Bank of India (RBI) and supervised by NABARD. We remain deeply rooted in the communities we serve — from farmers in Wokha to entrepreneurs in Dimapur.
RBI Licensed
NABARD Regulated
Our Mission
To provide accessible, affordable financial services that empower individuals, farmers, and small businesses across Northeast India.
Our Vision
To be the most trusted cooperative bank in the Northeast, blending modern digital banking with genuine community care.
25+
Branches Across NE India
50,000+
Satisfied Members
30+ Years
of Community Trust
₹500 Cr+
Total Assets Managed
Banking for Every Need
From your first savings account to long-term fixed deposits, we offer accounts that fit your life — with KYC and Aadhaar-enabled onboarding.
Savings Account
Interest up to 4% p.a.Aadhaar-linked savings account with debit card, NEFT/RTGS/IMPS access, and no minimum balance for rural accounts.
Learn MoreCurrent Account
No transaction limitsDesigned for businesses and traders with unlimited transactions, cheque book facility, and overdraft options.
Learn MoreFixed Deposit (FD)
Up to 7.25% p.a.Grow your savings with assured returns. Flexible tenures from 7 days to 10 years. Senior citizens get extra 0.50% p.a.
Learn MoreRecurring Deposit (RD)
Up to 6.75% p.a.Build a habit of saving every month. Start from just ₹100/month with attractive interest rates and loan against RD.
Learn More
Affordable Loans, Faster Approval
Whether you're buying a home, funding a harvest, or growing a business — our loans come with competitive interest rates and personalised guidance from our branch teams.
Home Loan
Build your dream home with flexible EMIs, tenure up to 30 years, and PM Awas Yojana subsidies for eligible borrowers.
Apply NowPersonal Loan
Quick approval for weddings, medical needs, or travel. Minimal documentation with flexible repayment options.
Apply NowAgriculture / KCC Loan
Kisan Credit Card financing for seeds, fertilizers, equipment, and crop cultivation. Subsidised interest for farmers.
Apply NowBusiness Loan
MSME and Mudra loans to grow your enterprise — working capital, machinery, or expansion. Collateral-free up to ₹10 Lakh.
Apply NowVehicle Loan
Finance your two-wheeler or four-wheeler with quick disbursal and up to 90% on-road funding.
Apply NowGold Loan
Instant liquidity against your gold ornaments. Safe custody, transparent valuation, and tenure up to 12 months.
Apply NowWe Support National Welfare Schemes
As a cooperative bank aligned with national priorities, we help you access Government of India schemes designed for financial inclusion, housing, agriculture, and small enterprise growth.
PMJDY — Jan Dhan Yojana
Zero-balance savings account with RuPay debit card, accident insurance cover, and overdraft facility of ₹10,000 after 6 months.
Know MorePM Awas Yojana (PMAY)
Subsidised home loans for economically weaker and lower-income groups. Interest subsidy up to 6.5% on loans up to ₹6 Lakh.
Know MoreKisan Credit Card (KCC)
Short-term credit for farmers for cultivation, equipment, and post-harvest expenses. Interest subvention and prompt repayment incentives.
Know MorePM Mudra Yojana
Collateral-free loans up to ₹10 Lakh for small businesses and micro units — Shishu, Kishore, and Tarun categories.
Know MoreBanking That Understands You
For three decades, families and businesses across Nagaland and the Northeast have trusted us — here's why they keep coming back.
Local Community Focus
We understand Northeast India — its people, its farms, and its businesses. Decisions are made locally, by people who know you.
Low Interest Rates
Competitive lending rates starting from 7% p.a. for agriculture, with no hidden charges and transparent fee structures.
Personalised Service
No call-centre runaround. Talk to your branch manager directly. We treat every member as a partner, not a number.
Secure Digital Banking
Net Banking, mobile-friendly access, NEFT/RTGS/IMPS transfers — all secured with two-factor authentication.
Aadhaar & KYC Enabled
Quick, paperless account opening with Aadhaar e-KYC. PAN Card linked accounts for seamless compliance.
Convenient Banking Hours
Extended counter service Mon–Fri 10 AM–4 PM and Sat 10 AM–1 PM, with digital banking available 24×7.
Find a Branch Near You
With 25+ branches across Nagaland and the Northeast, we're never far away. Visit us for account opening, passbook updates, KYC, and loan consultations.
Main Branch — Kohima
2nd Floor, Heritage Plaza, Circular Road, Kohima, Nagaland - 797001
+91 94360 12345
Mon–Fri: 10:00 AM – 4:00 PM | Sat: 10:00 AM – 1:00 PM
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Dimapur Branch
GS Road, Near City Tower, Dimapur, Nagaland - 797112
+91 94360 23456
Mon–Fri: 10:00 AM – 4:00 PM | Sat: 10:00 AM – 1:00 PM
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Mokokchung Branch
Marangchung Junction, Mokokchung, Nagaland - 798601
+91 94360 34567
Mon–Fri: 10:00 AM – 4:00 PM | Sat: 10:00 AM – 1:00 PM
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Wokha Branch
Police Point, Wokha Town, Wokha, Nagaland - 797111
+91 94360 45678
Mon–Fri: 10:00 AM – 4:00 PM | Sat: 10:00 AM – 1:00 PM
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Trusted by Thousands Across the Northeast
“I took a Mudra loan to expand my hardware shop. The staff at the Dimapur branch guided me through every document. The loan was sanctioned in under a week — no hidden charges, no hassle.”
Rahul Sharma
Small Business Owner, Dimapur
“Highland Valley feels different from big banks. They know me by name. My salary account, RD, and FD are all here, and the interest rates on deposits are genuinely better than nationalised banks.”
Priya Konyak
School Teacher, Mokokchung
“The Kisan Credit Card changed how I farm. I get credit before sowing season and repay after harvest. The interest subsidy makes it affordable. This bank truly understands farmers.”
Zhipreni Ao
Farmer & KCC Holder, Wokha
Become a Member Today
Join 50,000+ members who trust Highland Valley Cooperative Bank for their savings, loans, and financial growth. Open your account with just Aadhaar and PAN — it takes less than 15 minutes.