This paper contains an account of structure of co-operative banking in India and role of co-operative banks in India. Banking involves acceptance of deposits and lending or investment of money. It facilitates business activity by providing money and certain services that helps in exchange of goods and services. They play an important role in mobilizing the savings of economically surplus units, which are widely scattered and lend these resources to those who have additional opportunities of investment due to entrepreneurial abilities. Thus in this way they guide the flow of resources in the most productive channels. In the present paper, an attempt has been made to examine the perceptions of the bank employees who are responsible for the implementation of various programmes of the banks. This has been done by carrying out a survey of the employees of the Central Cooperative Banks in the state of Haryana.
Co-operative banking, bank employees, Haryana
