The Belagavi District Co-operative Bank (BDCC) was founded in 1919. Belagavi was the first registered office of the bank.
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Near Central Bus Stand,
Old P B Road,
Belagavi, Karnataka 590016
0831-2466896
The Belagavi District Central Cooperative Bank Ltd., Belagavi
By accessing, browsing, or using the official website and digital banking services of The Belagavi District Central Cooperative Bank Ltd., Belagavi, the user expressly agrees to be bound by these Terms & Conditions. These terms constitute a legally binding agreement between the user and the Bank.
If the user does not agree to any part of these Terms, they must immediately discontinue use of the website and digital services. Continued use of services shall be considered as explicit and informed consent to these Terms and related Bank policies.
These Terms & Conditions apply to all users including customers, non-customers, account holders, employees, vendors, and third parties accessing the Bank’s website or digital platforms.
This includes internet banking, mobile banking, UPI services, payment gateways, ATM interfaces, loan portals, and any other digital services provided by the Bank under RBI regulated framework.
The website is intended solely for lawful banking, informational, and service-related purposes. Users are permitted to access account information, perform transactions, submit requests, and view banking-related updates.
Users must not misuse the website for unauthorized activities such as hacking attempts, data scraping, malware distribution, unauthorized access attempts, or any activity that may compromise system integrity or security.
Any misuse will be treated as a violation under the Information Technology Act, 2000 and may result in legal action and service termination.
Users are responsible for maintaining confidentiality of their login credentials, passwords, OTPs, PINs, and any authentication factors issued by the Bank.
Users must ensure that their devices used for banking transactions are secure, updated, and free from malware or unauthorized software.
Any negligence leading to unauthorized access or financial loss due to sharing of credentials shall be the sole responsibility of the user, and the Bank shall not be liable for such incidents.
The Bank uses multi-layer authentication mechanisms including OTP verification, two-factor authentication (2FA), and secure login protocols as per RBI cybersecurity guidelines.
Users are required to immediately notify the Bank in case of suspected unauthorized access, phishing attempts, or suspicious transactions.
The Bank reserves the right to temporarily block accounts or transactions in case of security alerts or fraud detection.
The Bank provides various digital banking services including fund transfers (NEFT/RTGS/IMPS/UPI), account services, loan applications, and balance inquiries.
However, availability of services may be affected due to maintenance, system upgrades, network failures, cyber incidents, or regulatory requirements.
The Bank reserves the right to modify, suspend, or discontinue any service without prior notice for operational or security reasons.
The Bank endeavours to ensure that all information displayed on the website is accurate, updated, and reliable. However, unintentional errors or delays in updating information may occur.
Users are advised to verify critical financial or service-related information directly with the Bank’s official branches or authorized channels before taking any financial decision.
All banking transactions may be subject to applicable charges as per Bank’s schedule of charges and RBI guidelines.
The Bank reserves the right to revise charges, fees, or service conditions with prior notice as per regulatory requirements.
Users agree that all transactions initiated through authenticated channels are legally binding and cannot be reversed except as per applicable banking rules.
User data collected through website and digital banking services shall be used strictly for banking operations, regulatory compliance, fraud prevention, risk management, and service improvement.
All data handling is governed by the Bank’s Privacy Policy and applicable RBI KYC/AML guidelines, ensuring confidentiality and lawful processing.
The Bank may provide links to third-party websites, government portals, or payment service providers for user convenience.
The Bank does not control or guarantee the accuracy, security, or privacy practices of such external websites and shall not be responsible for any loss or damage arising from their use.
Users are advised to independently verify the terms and policies of third-party platforms before use.
All content including text, graphics, design, software, logos, trademarks, and data on this website are the exclusive property of The Belagavi District Central Cooperative Bank Ltd., Belagavi or its authorized licensors.
Unauthorized copying, reproduction, modification, distribution, or commercial use of any content is strictly prohibited and may lead to legal action under applicable intellectual property laws.
The Bank reserves the right to suspend or terminate access to any user account or digital service without prior notice in case of:
Such actions are taken to protect customer interests and ensure system integrity.
Users agree to indemnify and hold harmless the Bank, its directors, employees, and representatives from any claims, damages, losses, or legal expenses arising from misuse of the website, violation of these Terms, or unauthorized activities performed through user credentials.
The Bank reserves the right to modify or update these Terms & Conditions at any time without prior notice. Updated terms will be effective immediately upon publication on the official website.
These Terms shall be governed by the laws of India, including applicable RBI regulations, NABARD guidelines, and the Information Technology Act, 2000 (as amended).
Any disputes arising shall be subject to the exclusive jurisdiction of competent courts within the Bank’s registered operational area.
The Belagavi District Co-operative Bank (BDCC) was founded in 1919. Belagavi was the first registered office of the bank.
Near Central Bus Stand,
Old P B Road,
Belagavi, Karnataka 590016
0831-2466896