Shri Bharat Urban Co-operative Bank Ltd. ("SBUCBL", "the Bank", "we", "us" or "our") is committed to protecting the privacy and confidentiality of the personal and financial information of its customers, website visitors and mobile application users. This Privacy Policy describes how we collect, use, store, share, disclose and protect your information when you access our website www.shribharatbank.com, our mobile banking application ("SBUCBL Mobile Banking"), our branches, ATMs, digital channels and any other services offered by the Bank (collectively, "Services").
By accessing or using our Services, you consent to the collection, use and disclosure of your information in accordance with this Privacy Policy. If you do not agree with the terms of this Policy, please do not use our Services.
Shri Bharat Urban Co-operative Bank Ltd. is a co-operative bank registered under the Maharashtra Co-operative Societies Act, holding a banking licence issued by the Reserve Bank of India. Our registered office is located at Jaysingpur, District Kolhapur, Maharashtra, India. We provide a range of banking and financial services including savings and current accounts, fixed and recurring deposits, loans, lockers, NEFT/RTGS/IMPS/UPI payments, cheque clearing (CTS), mobile banking and other permitted banking activities.
This Privacy Policy applies to:
We collect information that is necessary to provide banking services, comply with legal and regulatory obligations, prevent fraud and improve customer experience. The categories of information we collect include:
The mobile application may request access to your device's location to help you locate the nearest SBUCBL branch or ATM and to strengthen fraud detection during transactions. Location access is requested with your consent and can be revoked from your device settings at any time. The Bank does not track your continuous movement.
We may receive information about you from Credit Information Companies (CIBIL, Experian, Equifax, CRIF High Mark), regulatory authorities, NPCI, government databases (for KYC verification), credit bureaus, your employer (for salary accounts), correspondent banks and publicly available sources.
To provide a secure and seamless banking experience, the SBUCBL Mobile Banking app requests the following permissions on your Android or iOS device. Each permission is used strictly for the purpose stated below:
| Permission | Purpose |
|---|---|
| Internet / Network State | To connect to the Bank's servers for performing transactions and retrieving account information. |
| SMS (READ_SMS) | To automatically read OTPs received from the Bank for seamless authentication. The app does not read any other SMS. |
| Camera | To scan QR codes for UPI payments, capture cheque images for mobile cheque deposit and video-KYC (if applicable). |
| Location | To display the nearest branch or ATM and to enhance fraud detection at the time of a transaction. |
| Storage / Photos | To save downloaded account statements, passbook PDFs and transaction receipts, and to upload documents for KYC or service requests. |
| Contacts | Used only when you choose to send money to a contact via UPI. The Bank does not upload your phone book to its servers. |
| Biometric / Fingerprint / Face ID | For secure login using the device's native biometric hardware. Biometric data never leaves your device. |
| Notifications | To alert you about transactions, OTPs, important account updates and security advisories. |
| Phone State | To verify device binding and detect SIM changes to prevent fraudulent account takeover. |
The Bank uses your information for the following purposes:
We process your personal data on one or more of the following legal bases as recognised under the Digital Personal Data Protection Act, 2023 and other applicable laws:
The Bank maintains strict confidentiality of customer information and does not sell, rent or trade your personal data. However, we may share your information in the following limited circumstances:
With the Reserve Bank of India, Income Tax Department, FIU-IND, Securities and Exchange Board of India, courts, tribunals, law enforcement agencies and any other authority when required by law or to protect our legal rights.
With third parties who provide services to the Bank such as technology vendors, cheque processing agencies (CTS), SMS gateway providers, email service providers, card printing vendors, NPCI (for UPI, IMPS, NACH, AePS), Sarvatra Technologies (CBS and switching partner), credit information companies (CIBIL and others), correspondent banks, insurance companies (for bancassurance products) and recovery agencies - strictly on a need-to-know basis and under binding confidentiality obligations.
With any other party where you have expressly consented to such disclosure.
In connection with a merger, amalgamation, reconstruction, sale of business or any similar corporate action, subject to prior approval of the Reserve Bank of India where required.
We retain your personal and financial information for as long as your account or relationship with the Bank is active, and thereafter for such period as may be required under applicable laws including the Banking Regulation Act, 1949, Income Tax Act, 1961, Prevention of Money Laundering Act, 2002 and RBI directives. Typically, records are retained for a minimum of 8 to 10 years from the date of closure of the relationship, or longer where required by law or for the defence of legal claims.
The Bank has implemented reasonable security practices and procedures commensurate with the sensitivity of the information, in accordance with ISO 27001 standards, the RBI Cyber Security Framework for Urban Co-operative Banks and IT Act 2000 requirements. Our security measures include:
Subject to applicable law, you have the following rights in relation to your personal information:
To exercise these rights, please contact our Grievance Officer using the details provided below. We may need to verify your identity before processing the request.
Our website uses cookies and similar tracking technologies to enhance user experience, analyse traffic and remember user preferences. Cookies are small text files stored on your device. We use:
You can disable cookies through your browser settings, but some features of the website may not work correctly as a result.
Our website and mobile application may contain links to third-party websites and services (such as utility billers, insurance providers or government portals). This Privacy Policy does not apply to those third-party sites. We encourage you to review their privacy policies before providing any personal information.
Our Services are intended for individuals who are 18 years of age or older, or minors operating accounts through a lawful guardian in accordance with RBI guidelines. We do not knowingly collect personal information directly from children without the consent of a parent or lawful guardian. If we become aware that we have collected such information without proper consent, we will take reasonable steps to delete it.
The Bank may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements or regulatory guidelines. The revised policy will be posted on this page with an updated "Effective Date". We encourage you to review this page periodically. Continued use of our Services after any modification constitutes acceptance of the revised policy.
In accordance with the Information Technology Act, 2000 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, the Bank has appointed a Grievance Officer to address concerns regarding data privacy, security incidents and this Policy.
Grievance Officer / Data Protection Officer
Shri Bharat Urban Co-operative Bank Ltd.
Head Office, Jaysingpur, District Kolhapur,
Maharashtra, India
Email: bank@shribharat.bank.in
Phone: (Please refer to the contact page on our website)
Working Hours: Monday to Saturday, 10:00 AM to 5:00 PM (except Sundays and bank holidays)
If you are not satisfied with the response from our Grievance Officer, you may escalate the matter to the Principal Nodal Officer of the Bank or approach the Banking Ombudsman appointed by the Reserve Bank of India under the Integrated Ombudsman Scheme, 2021. Details are available at https://cms.rbi.org.in.
Shri Bharat Urban Co-operative Bank Ltd.
Head Office: Bharat Bank Chuk Azad Road, 8th Line, Jaysingpur, District Kolhapur,
Maharashtra, India - 416101
Website: www.shribharatbank.com
Email: bank@shribharat.bank.in
Customer Care: (02322-225722)
This Privacy Policy is a legal document published by Shri Bharat Urban Co-operative Bank Ltd. and is governed by the laws of India. Any disputes arising out of or in connection with this Policy shall be subject to the exclusive jurisdiction of the courts at Kolhapur, Maharashtra.