A STUDY ON PERFORMANCE APPRAISAL OF SELECTED CO-OPERATIVE BANKS IN RAJASTHAN

Balram Chopra

Co-operative Bank, Capital Fund, Deposits and Borrowings, Liquidity

Co-operative banks are small-sized units organized in the co-operative sector which operate both in urban and non-urban regions. These banks are traditionally centered on communities, localities and workplace groups and they essentially lend to small borrowers and businesses.The Co-operative Banking System in India is characterized by a relatively comprehensive network to the grass root level. This sector mainly focuses on the local population and micro- banking among middle- and low-income strata of the society. These banks operate mainly for the benefit of rural areas, particularly the agricultural sector. For the current study 5 co-operative Banks i.e., The Barmer Central Co-Operative Bank Ltd., Barmer, Chittorgarh Central Co-Operative Bank Ltd. Chittorgarh, The Jaipur Central Co-Operative Bank Ltd. Jaipur, Hanumangarh Kendriya Sahakari Bank Ltd. Hanumangarh and The Jodhpur Central Co-Operative Bank Ltd. Jodhpur was selected. The variables under study were the Growth in Number, Branches and district covered, Growth in capital fund, Growth in deposits and borrowings, Growth in liquidity and Growth in Investments and loans for five years from 2014 to 2020. The data analysis revealed that the capital of cooperative banks needs to be adjusted, both deposit and borrowings, have not increased up to the level required by any bank operating in the state, similarly the liquidity growth is not satisfactory. Further there is a continuous growth in the total investment and loans and advances of Indian cooperative banks although the percentage of variability is very less which means that there is a need for improving total investment with loans and advances.

Volume 7 Issue 7, July-2022

Pages : 1773 - 1780