Urban cooperative banks are the part of socio-economic movement which is
initiated with the idealism of cooperation
principle. They are performing a significant role in credit delivery to the unbanked segment of
the economy, SMEs and
middle class. But from the past few years there has been increment in the problems of UCB’s.
Following are the main
objectives for conducting this study:
For the same, we have looked into basic structure and functioning of UCB’s, gone through some case studies, working committees report, RBI’s reports on UCB’s and also some standard research papers on performance and efficiency of banks. We have collected responses on our questionnaire from experts in the banking field. The remaining work is to apply techniques / methods for analysing performance of UCB’s in Maharashtra. Also draw some strong interpretations from their annual reports on their current status. Collect more responses on our questionnaire from experts and employees of UCB’s and from that responses draw some conclusions for policy formulation. If necessary, formulate some suggestions for the same.
