Efficiency of banks in rendering services – A study of banks of Belgaum district

Performance of banking industry is greatly depends on the CD ratio, which is the key indicator to show how the funds are utilized by the banks to generate their revenue and increase the market share. In this paper, an attempt has been made to ascertain the efficiency of Nationalized Banks, Private Sector Banks, Regional Rural Banks (KVG), Belgaum District Co-Op Banks, KSCARD Banks and Urban Co-Op Banks in offering services to users. Analysis of services of each bank group reveals that there has increased efficiency in offering services over a period of time.