Current Scenario of State Co-Operative Bank in India and Its? Working Performance - A Study

Cooperative banking structure, which is at present a century old. The commercial banks after nationalization entered in rural areas, but the cooperative banks still continue to enjoy an significant place in rural credit circumstances. India has not a well-knit banking system with as many as 1131 banking branch offices as on 31st March, 2015. Currently there is a State co-operative bank branch for approximately every 1070035.33 people in India, taking into account the population of the country as per 2011 census. In this paper attempt has been made to study the working performance of the current scenario state co-operative banks in India in the areas of working capital, deposits, reserve, paid-up share capital, borrowing, loans, demand and Overdues from 2005-06 to 2014-15. The implementation of technology necessary banks to re-engineer processes, network branches and introduce alternate delivery channels such as internet banking, phone banking and mobile banking, data warehousing and data mining, customer relationship management, integrated treasury management, human resource management and the implementation of core banking solutions.