Financial Performance of District Central Co-operative Banks in India

This Book was focused on Financial inclusion as the process of ensuring access to financial services and timely and adequate credit where needed by vulnerable groups such as weaker sections and low income groups at an affordable cost. Impressive Network and its spread to the rural poor, the RSTCCS (Rural Short-term Co-operative Credit Structure) could play an important role in enhancing financial inclusion in India. DCCBs play a predominant role to fulfill this gap. This book intended to appraise the financial performance of the DCCBs in India and vis-à-vis the selected DCCB of Guntur, Andhra Pradesh, with particular reference to finance. The book engrossed to co-operative banks are under considerable pressure causing decline in productivity and efficiency, low profitability, un-remunerative direct investment, deterioration in the quality of portfolio, inadequacy of capital, inadequacy of loan provision, large scale loan waiver, duplication of infrastructure, management weaknesses etc. These constraints may influence institutional finance for priority sector in the long run. Non-Performing Assets have various implications on profitability, liquidity and solvency of banks.