Comparative Study of Selected Urban Co-Operative Banks in Pune and Nagpur Based on Camel Model

Urban co-operative banks are an integral part of the banking system. Their survival, growth, and development depend upon various factors like profitability, capital base, the volume of business operational efficiency, NPAs, etc. With limited resources, they find it difficult to grow many times their survival also becomes difficult. Some banks are performing best. For example, recently Model Co-operative Bank Ltd. Mumbai has been awarded by the Maharashtra State Co-operative Bank Association Ltd. for best bank among Co-operative Banks in the Mumbai region in the category of deposits above Rs. 500 crores. In the year 2020 SVC Co-operative Bank Ltd. has been awarded for best co-operative bank and most future-ready bank. However certain banks like CKP Co-operative Bank Ltd., Navodaya Urban Co-operative Bank Ltd., Nagpur, etc. are the examples failed banks. This indicates that some banks are doing excellent performance while some are getting a failure. All this has necessitated studying the comparison of the financial performance of Urban Co-operative banks.