“An Analysis of Rangareddy District Central Co-operative Bank's Financial Performance”

Abstract

Cooperative banks offer loans and other services to farmers and rural populations in a timely manner. However, the bank's operating efficiency and financial stability will be impacted by any loan repayment default. Funds are halted as a result of NPA, which lowers interest income and results in a cash shortage. Operating bank services, such as processing regular payments and dues, is undoubtedly made more difficult by this. Cooperative banks are currently under a lot of stress, which is resulting in decreased working profits as well as a decline in productivity and efficiency. It is a known truth that NPAs are rising and recoveries are poor. The paper's goal is to evaluate Rangareddy DCCB's claim of 0% Net NPA. As a result, a number of bank financial metrics are examined in the study. According to the current study paper's conclusion, farmers were able to obtain sufficient funding for crop cultivation thanks to the ongoing process of monitoring loan issuance and recovery efforts, which demonstrated a profitability in association with loan and non-performing asset provision.