ABSTRACT

In India, District Central Co-operative Banks (DCCBs) are recognizable institutions among all co-operative credit institutions. DCCBs occupy a place of significance in the cooperative credit delivery system. They act as a spokesperson of the cooperative movement at district level. The founders of the movement envisioned the role of DCCBs beyond the boundaries of mere financing banks. DCCBs are expected to serve as a financing bank for the primaries in a district, guide them in their day to day operations, supply of necessary manpower and technology wherever it is required, voicing on behalf of primaries at policy level etc. Because of this integrated role, DCCBs are strategically located and integrated with the cooperative system. Through this paper, we tried to study the growth and progress of DCCBs in Haryana (branches, employees, investments, borrowings, deposits, working capital, business, cost of management, credit, NPA etc). Also, the productivity of Banks has been studied in this attempt. To attain the objectives of this study, data has been collected from secondary sources and analyzed by using various statistical tools.

Keywords: DCCBs, Haryana, Productivity, Correlation, Financial performance and Productivity.