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Co-operative Banks in India: Functioning and Reforms
Co-operative banks are an integral part of the Indian financial system. They comprise urban co-operative
banks and rural co-operative credit institutions. Co-operative banks in India are more than 100 years old.
Urban Co-operative Banks (UCBs) also referred to as primary cooperative banks?play an important role in
meeting the growing credit needs of urban and semi-urban areas of the country. UCBs mobilise savings
from the middle and lower income groups and purvey credit to small borrowers, including weaker sections
of the society. Scheduled UCBs are under closer regulatory and supervisory framework of the RBI. Rural cooperative banks operate mainly for the benefit of rural areas, particularly the agricultural sector.
Though much smaller as compared to scheduled commercial banks, co-operative banks constitute an
important segment of the Indian banking system. They have an extensive branch network and reach out to
people in remote areas. They have traditionally played an important role in creating banking habits among
the lower and middle-income groups and in strengthening the rural credit delivery system.
This book focusing on UCBs?provides a vivid account of the functioning of co-operative credit institutions in
India including recent reforms. Besides, it includes a case study of the working of UCBs in the Indian state of
1. History of Co-operative Movement - Origin of Co-operative Movement
- Co-operative Movement in India
- Origin of Urban Credit Movement in India
2. Co-operative Banking: Conceptual Framework - Problem of Development
- Concept of Cooperation
- Concept of Co-operative Banking
- Review of Existing Literature
3. Urban Co-operative Banks - Urban Co-operative Banks
- Problems Encountered by Urban Co-operative Banks
- Review of Existing Literature... [continues]
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