A LOAN PORTFOLIO EVALUATION OF DISTRICT CENTRAL COOPERATIVE BANKS: A CASE STUDY OF UTTAR PRADESH

Indian Cooperative Banks are the world largest credit institution which serve the credit need of more than 120 million farmers(Rangarajan,1972). These cooperative banks are established to serve for the welfare of rural people and not for the profit maximization. Indian cooperative credit These banks provide credit under various areas such as, agriculture, lives stock, milk, self-employment, setting up small-scale units, personal finance etc. Indian Agricultural Cooperative credit institution are broadly categories in to two types, short term and long term agricultural credit institution. The short term agricultural credit institution have three tire federal structure, at the apex level: State Cooperative Banks, District Central Cooperative Banks at district level and Primary Agricultural Credit Societies, at root level. The District Central Cooperatives Banks(DCCBs) act as intermediary, it provide short and medium term loan to the rural sector. There are total 364 DCCBs operating in country (RBI report, 2017-18), out of which 50 DCCBs operating in Uttar Pradesh (NAFSCOB, 2017-18). The present study evaluate the agricultural and non-agricultural loan distribute by DCCBs of UP for the period of 2013-14 to 2016-17. For the purpose of the study, District Central Cooperative Banks (DCCBs) of UP were divided into 18 zone as per their administrative classification. The study revealed that there is volatility among the zone and some zone performed well in development of rural areas.KEYWORDS: Cooperative Banks, rural people, agriculture, lives stock, milk, self-employment