Given the large number of small urban co-operative banks, and with 271 districts not having any presence of UCBs, there exists a huge potential for UCBs to increase their spread and business and also participate in the national mission of financial inclusion.
Given their respective sizes, it may well appear to be a David vs. Goliath contest as UCBs need to compete with larger commercial banks in vying for the unbanked pie. However, there exists a distinct first mover advantage which the UCBs have, in addition to their vast customer base.