A COMPARATIVE ANALYSIS ON DEPOSITS AND ADVANCES OF STATE COOPERATIVE BANKS WITH SPECIAL REFERENCE TO KARNATAKA AND TAMILNADU

Mr.F.Franco; Dr.R.Karpagavalli

Volume : IV, Issue : VII, July - 2015

A COMPARATIVE ANALYSIS ON DEPOSITS AND ADVANCES OF STATE COOPERATIVE BANKS WITH SPECIAL REFERENCE TO KARNATAKA AND TAMILNADU

Mr. F. Franco, Dr. R. Karpagavalli

Abstract :

Cooperative is one of the oldest and effective systems in terms of development of human civilization. Cooperative institutions are organized and managed on the principle of cooperation, self-help and mutual help. There are different types of cooperative institutions functioning in India. As far as the institutional credit structure is concerned, cooperatives play a significant role in this regard. Cooperative credit institutions are spread all over India and are providing their services at the grass root level. As main portion of the population in India lives in rural areas so it is important to strengthen the cooperative credit institutions in these areas. The major advantage of the institutions is their strong anch network which covers entire area of the country. This paper attempts to study the State Co-operative Banking in Karnataka and Tamilnadu. The paper mainly focuses on the advances, deposits, profits, npa and recovery performance of these banks in India. Basically we have studied the deposits and advances of State Co-operative Banks in Karnataka and Tamilnadu. The study is based on secondary data. The data required for the study has been collected from RBI annual reports, Journals, reports on trend and progress of banking in India, Annual Reports of NAFSCOB etc.