A Study of Non-Performing Assets Management of Latur District Central Cooperative Bank, Latur
Indian Streams Research Journal, Vol. 4, No. 8, September 2014
9 Pages Posted: 5 Oct 2014
Date Written: September 1, 2014
Co-operative bank forms an integral part of banking system in India. This bank operates mainly for the benefit of rural area, particularly the agricultural sector. Cooperative Banks in general and District Central Cooperative Banks in particular have to play major role in the upliftment of Economy. DCC Banks have direct access to agriculture and rural sector. The place of DCC Banks in cooperative banking is unique. They are intermediate between State Cooperative Bank and Primary Credit Cooperative Societies. After New Economic Policy, there is a sea change in governance and working of DCC Banks. Although, the DCC Banks have responded to the banking challenges, yet Non-Performing Assets is a major critical problem of the majority DCC Banks in Maharashtra. Latur District Central Cooperative Bank, Latur is playing major role in providing credit to rural sector through various schemes such as crop loan, vehicle purchasing, minor irrigation, tractor financing, cattle purchasing, rural artisans, home construction, self-help groups, etc. LDCC Bank, Latur is facing various problems in providing credit facilities to people and major problem is of Non-Performing Assets. This paper makes an attempt to assess impact of NPAon LDCC Bank, Latur. In this research paper, a detailed analysis has been made to highlight certain points related with NPA, its norms, provisions, Gross NPA, Net NPA, Ratio of Gross NPAwith Total Advance and its impact on LDCC Bank, Latur.
Keywords: Cooperative Banks, Non-Performing Assets, Gross NPA, Net NPA
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