Financial Performance of Cooperative Banks in India: A Case study of Kangra Central Co-operative Bank

Performance and efficiency of co-operative banks are the key elements of a country’s financial system at primary level. The co-operative societies in India, in fact, are playing multifunctional role in both rural as well as urban areas. This paper explores the financial growth and performance of Kangra Central Co-operative bank in Himachal Pradesh, which is the largest co-operative banks in the state. The main objective of the study is to analyse the performance and present financial position of the Kangra Central Co-operative bank in Himachal Pradesh with regard to its branches, ATMs, customers etc, using secondary data. The study is set out to apply growth rate for evaluate performance of bank through different variables like share capital, shareholder funds, deposits, assets, outstanding advances, borrowing, profit and profitability and check the management efficiency of the bank through operating ratio. This analytical study of KCCB demonstrates that there are significant differences between different study time periods on the performance of the banks in terms of share capital, deposits, borrowing and profitability, market coverage, outstanding advances, profits, shareholder funds and management quality.