Özet:

The present study attempts to review the existing studies with the objectives to develop conceptual frameworks to reconcile and extend the past research studies in the working of State Cooperatives Banks in India to expore the areas for performance improvement and reduction in NPA. The study concludes that Co-operative banks are mostly dependent on central bank and hence borrow from RBI and NABARD, government & commercial banks. Similarly, DCCBs are heavily dependent on refinancing from SCBs, NABARD, Govt., and Commercial banks. Futhter the study concludes that PACS depend on refinancing from DCCBs and government and reported as not independent entity for resources. Hence SCBs should take measures to reduce the cost of management so that the extent of profits could be increased. Higher profits earn the confidence and attention of customers. Additionally, SCBs may highlight those financial as well as non-financial facts on their websites or through any other medium of information sharing to create create good image in the eyes of all stakeholders including customers. Co-operative training and education will also play meaningful role towards capacity building and professionalism of all stakeholders of cooperative credit institutions in India. More loan approvals for SCBs, Pre-sanctioning of loan, proper borrower appraisal to protect the interest of depositors and differention between credit and charity required to be in place of banking system. Lastly, post-disbursement check is also required to reduce NPA.

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