“Operational efficiency of District Central Cooperative Bank-A study of selected branches”

Finance is an essential requirement for every productive activity. Agriculture in India needs more attention as it provides livelihood for 65 percent of population and directly contributing 20 percent to the national income. It is obvious that the contribution of agriculture sector to the national income is not in line with the number of people engaged in that sector, which calls for an immediate attention for increasing the production and hence for a prosperous agricultural economy. Agriculture in India has always been a way of life, rather than a business and has suffered from stagnation due to low productivity arising from inadequate investment. The emergence of green revolution in India by the late sixties has radically changed the character of Indian agriculture, as seen by a growing tendency among the farmers to replace the Traditional farming practices. The cooperative credit structure has been developed in India with the mission that they will provide the agricultural and finance to the needy farmers at a reasonable rate of interest. The present research study will focus on the overall working of the DCCBs and examine the operational efficiency of the DCCBs.