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Rationale Behind the Study
Major Challenges before the UCB:
Objectives of Thesis
Hypothesis
Research Methodology:
Survey of Literature
Experience Survey
Descriptive method
The urban co-operative banks are working under the purview of co-
operatives, and hence the level of co-operative principles followed and
services rendered by the banks to their members may judge their
performance or efficiency. In spite of these numerous yardsticks used
in performance appraisal, the focal objectives set for thesis were to
assess the various facts, which are instrumental for fund procurement
and its productive/ efficient utilization by UCBs
• Few UCBs have geared itself well for facing all these challenges.
With better-personalized customer service, efforts were made to
increase business by volumes. Owing to depressing industrial
growth, the emphasis was given on retail credit. Other areas
attracting instantaneous attention are:
Objectives of Thesis
Based on the previous discussion, the objectives of the thesis are set
as ahead
Hypothesis
Scope of Study
It covers the whole of the Maharashtra and based on the annual
reports of the UCBs and sampled/experience survey of the
respondents from the ten selected UCBs from the State of Maharashtra
. The key financial parameters given by the table no. 1 to 3 provide the
vision pertains to the range of the research work to be undertaken
Research Methodology:
The same consists of exploratory and descriptive types as given
ahead:
(i)Survey of Literature
This will be undertaken through the following sources:
a) Annual Reports, Audit Reports, other Documents and record of
UCBs.
b) Legal provisions relating to Cooperative Banking
c) Newspapers and magazines having concern with Cooperative
Banking.
d) Books, pamphlets, brochures, etc. relating to Cooperative
Development.
e) Reports on Cooperative Banking prepared by Government and
private bodies or individuals.
f) Office record of Cooperative Department
In order to get the above study material, the offices of
Government and various university Libraries will be visited for the
necessary information.
(ii)Experience Survey
There is a need to collect experiences of the people who are
directly or indirectly have concern to the subject selected for thesis.
Because of this need, UCBs Offices- Managers, / Directors / customers,
Government officers, etc. will be contacted for collecting the
information about working of UCBs. All these persons or authorities are
10
Table No.:. 1
Deposit & credit of all Semi Urban Banks
In Maharashtra State (Rs. In Crores)
Semi Urban
Sr. Year Deposit Credits
No. s
(1) (2) (3) (4)
2
7. 1997 5667.9 2344.08
8
8. 1998 6501.6 2638.55
1
9. 1999 7535.9 3088.63
9
10. 2000 8815.2 3649.93
5
11. 2001 10033. 4137.97
74
12. 2002-05 10911. 4567.24
triennial 60
average
Source : Economic Survey Of Maharashtra 2002-03.(MS)
Note: - Details may not add up to totals due to rounding
Table No.: 2
Deposit & credit of all Urban / Metropolitan Banks
in Maharashtra State( Rs. In crores)
Semi Urban
Sr. Year Deposits Credits
No.
(1) (2) (3) (4)
2
6. 1996 82416.66 61059.3
5
7. 1997 94380.49 64209.8
7
8. 1998 110969.3 76912.4
8 6
9. 1999 120609.5 90031.1
2 9
10. 2000 135705.4 120595.
1 82
11. 2001 159198.9 134339.
0 88
12. 2002- 216620.0 207032.
05 9 17
trienni
al
averag
e
Source: Economic Survey Of Maharashtra 2002-03.(MS)
Note: - Details may not add up to totals due to rounding
Table No.:3