Bellad-Bagewadi village in Hukkeri taluk of Belgavi district has been famous in the field of co-operatives since the beginning. In 1905, i.e. when the Co-operative Act came into force, a single-member co-operative society was established in Bellad-Bagewadi village. This was the first co-operative society in Belgaum district. We feel proud when we remember the fact that when writing the history of the co-operative movement in Belgaum district, we have to start with the name of our village. Under the chairmanship of the then Deputy Speaker of the Bombay Province, the merchant class of the village met in 1944 and decided to establish a bank in the village. The bank was established on 25.11.1944 with a capital of only Rs. 20,000. In the initial year of establishment of the bank, the membership was very low and was limited to Bellad-Bagewadi village only. The bank, which started with a small capital, started providing financial assistance to the people of the village by providing loans at low interest rates and gained the trust of the public and also made progress in the collection of port deposits. The growth accelerated after the bank came under the orbit of the Reserve Bank in 1980. Under the leadership of Mr. Vishwanath Katti, the pace of growth of the bank increased and its scope of operation expanded with the opening of branches in the towns of Kannur, Dhupadala and Sankeshwar. The Reserve Bank of India, recognizing the good governance of the bank, conferred the "Laysan" on it. In 1985, the position vacated by the untimely death of Shri Vishwanath Katti was filled by the then enthusiastic young activist Shri Ramesh Katti, who later served as the Chairman and was closely involved in the overall development of the bank. Having gained expertise in the field of banking, he focused more on the development of the bank. The bank grew rapidly and started branches in Konnur, Shindhikurabet, Kalloli, Yamakanamaradi. All 7 branches were given their own buildings and customer confidence in the bank was increased. For the convenience of the bank's administration, the bank was brought under the ambit of the Souharda Act in 2002.

The bank is working as per the guidelines of the Reserve Bank and as per the laws and regulations and it is a matter of pride that in the last 6 years, it has been allowed to open 19 branches considering the progressive governance of the bank. Branches have been opened in Sultanpur, Hukkeri, Kanagala, Sadashiva Nagar Belgaum, Shivabasava Nagar Belgaum, Shiraguppi, Ainapur, Harugeri, Mudalagi, Chikkodi, Nippani, Yaragati, Kittur, Savadatti, Murugod, Yadavada, Ramadurga, Ankalagi and Inchal. Now the bank has 27 branches and all the branches are progressing.Now the bank covers 7 districts of the state (including Belagavi, Bagalkot, Vijayapur, Gadag, Haveri, Dharwad and Karwar) and has a total of 22220 members. The weaker sections, Harijan tribals and women have also been given membership. As the scope of the bank has increased, branches of the bank have been started in the surrounding villages/towns, and all the branches are working in profit.Our administrative office and branches operate mainly in rural areas, and our bank is the largest co-operative bank in Karnataka among rural co-operative banks. Dividend: The bank has set a record by paying 25% dividend on its shares for some years. Now, as per the advice of the Reserve Bank, 15% dividend is being paid every year.Unopposed election to the Board of Directors since the establishment of the bank: Unopposed election to the Board of Directors since the establishment of the bank is a fact that will be written in golden letters in the history of the bank. This is a reflection of the confidence of the members in the bank.

Social Service: Every year, a charitable fund is set aside from the net profit to support health, social, and educational projects. Donations are being made to the fields. Building school rooms for the benefit of children from rural areas coming to the work area. Providing furniture etc. to the poor children in rural areas. A donation of Rs. 1,00,000/- has been made to the Chandaragi Residential School in Belgaum district, which is known as a unique school in the state, and sports enthusiasts have shown their love. Along with donating to Ghatapabha Asatra, which is doing good service in the co-operative sector, it has also helped in the health sector. Financial assistance has been given to the families of soldiers who died in the Kargil war while serving the country. Generous donations have been made from time to time on the request of the government in difficult times such as floods. Three-wheeled bicycles have been distributed to the disabled. The practice of organizing free health check-up camps and blood donation camps for the poor, backward and Dalits has been maintained. Distribution of dustbins to help in village sanitation. Amidst the COVID-19 pandemic that has gripped the country, donations have been made to the Prime Minister's Health Fund, and besides providing financial assistance to the School for the Blind in Belgaum, it has also undertaken many other social work projects.

 Posthumous financial assistance to members: Every year, a members' welfare fund is set aside from the net profit.Posthumous financial assistance of up to a maximum of Rs. 10,000/- is being provided to each member from the said fund, considering the period of membership of the member.

New technology and facilities: All branches of the bank are computerized, as per the advice of the Reserve Bank.As per the instructions, core banking arrangements have been made to provide better and faster service to the customers. ATM Facility, SMS Facility, NEFT/RTGS Facility, POS MACHINE Facility, IMPS E-COMMERCE Facility, AT PAR CTS Cheques Facility, CHEQUE CLERING Facility, E-STAMPING Facility, SAFE DEPOSIT LOCKER Facility, Rupay Debit Card facility is being provided. And the bank's mobile banking facility is also being launched from 28.08.2023. The bank is emphasizing modernity and is focusing on digital banking.

Staff Amenities: Every year, a staff amenities fund is set aside from the net profit and the following amenities are provided to the staff from the said fund. 1. In case of death of a staff member while in service, financial assistance of Rs. 25,000-00 will be provided to his heirs and in case of voluntary retirement due to ill health. 2. Financial assistance up to a maximum of Rs. 2 lakh for surgical treatment to personnel while in service. 3. Loans up to Rs. 12 lakh are being provided at an interest rate of 3 per cent for the construction of houses for staff residence. 4. Health insurance has been provided to the staff and their family members, with an insurance cover of Rs. 5.00 lakh per year for each family. 5. In case of death of the staff during their service (natural/accident), their family is insured for Rs. 25.00 lakhs.

Celebration of Anniversaries: The Bank celebrated its "Silver Anniversary" in 1971, "Diamond Anniversary" in 2005 and "Amrita Anniversary" in 2019 with great pomp and show to commemorate its supreme and selfless service.

Working Capital: The bank's working capital is now Rs. 661 crore, making it the largest co-operative bank in Belgaum district.

Guidance: Our bank member and former minister of the Karnataka government, Shri Umesh V. Katti, has contributed a lot to the development of the bank by giving many suggestions and guidance during his lifetime. With the guidance of our bank members, former MPs and BDCC Bank Belgaum President, Hon. Shri Ramesh V. Katti, and the advice and guidance of Hon. Shri Nikhil U. Katti, MLA of Hukkeri constituency, the bank has moved forward on the path of progress.