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Transcript

  • 1. CO-OPERATIVE BANKS
  • 2. INDIAN BANKING SYSTEM SCHEDULE BANKS NON-SCHEDULE BANKS STATE CO - OPERATIVE BANKS COMMERCIAL BANKS CENTRAL CO–OPERATIVE BANKS COMMERCIAL BANKS
  • 3. Defination:
    • Co-operative banks are a part of the power full superstructure of co-operative institutions .which are engaged in the tasks of production, processing, marketting,distribution,service and banking in india.
  • 4.
    • They are organized and managed on the principle of cooperation, self-help and mutual help.
    • They function with the rule of “one member one vote”.
    • They perform all banking functions .(like deposit mobilization, supply of credit)
    • Provide housing loans.
    • They are supported by the government. (R.B.I, NABARD and Commercial banks)
    • They belong to the money market as well as to the capital market.
    Features of co-operative banks:
  • 5. RBI SCBS SLDBS UCBS NABARD CCBS PACS CLDBS PLDBS BRANCHES OF SLDBS
  • 6. Aim of co-operative banks:
    • The main aim of the co-operative banks are to provide cheaper credit to their members and not to maximize profit .They aim at service motto.
  • 7. Sources:
    • State and central governments
    • RBI
    • NABARD
    • Other co-operative institutions.
  • 8. Limitations:
    • Not self sufficient
    • Still borrowing funds from government
    • Suffer from infrastructural weakness
    • Suffer from policies & politics.
  • 9. Conclusion
  • 10. THANK YOU