Performance of District Central Cooperative Banks in Maharashtra

The present study has been undertaken to examine the retrospects and prospects of DCCBs in Maharashtra. The attempt has been made to examine the growth performance of various financial indicators. The study is based on secondary data obtained from 30 DCCBs in Maharashtra for the period of past 32 years i .e. from 1985-86 to 2016-17. The rates of compound growth were estimated for three periods Viz., Period I i.e. 1985-86 to 1994-95, period II i.e. 1995-96 to 2016-17 and period III i.e. 1985-86 to 2016-17. The regionwise coefficient of Variation (CV) was workout and studied. The performance of DCCBs based on number of branches indicated that the performance of DCCBs in respect of branch expansion was satisfactory in the State. The annual rate of compound growth in number of branches of DCCBs in the State as a whole was significant during the entire period. The growth in total membership was mainly attributed to positive growth in PACS membership. The increase in share capital of DCCBs in Maharashtra over the years was mainly due to the increase in number of members and increased contribution of PACS to the share capital. The significant growth in total reserve funds was possible mainly because of a continuous flow of credit during the period under study.