• Dr. P.J. Sebastian
• Dr. L.P. Ramalingam
• Somasekharan T M

In the present times, a bank plays a very crucial role in the lives of the people. Its role has changed from a simple trustee of people’s money on one hand and that of a money lender on the other, to one which bridges the gap between their drama and reality. The Reserve Bank of India provides guidelines for the bank to undertake various promotional and developmental activities for the people. The EDCB has implemented various socio economic development schemes such as ordinary loan marriage, educational loan, housing loan, medical ordinary loan, self help group loan, infrastructure development loan, consumer loan for house hold and handloom and coir cash credit. While the various economic development schemes are Agri- Loan, business loan, ordinary loan for traders, O.D scheme for employees, computer loans, vehicle loans, project loan, marginal money loan, self employment loan, industrial loan and friendship loan. This paper tries to identify the preferences of urban and rural beneficiaries towards socio and economic development schemes of EDCB with the help of Garrett’s ranking technique.

Ernakulam District Co-operative Bank(EDCB), Over draft schemes( O.D)

"BENEFICIARIES PREFERENCE TOWARDS DEVELOPMENTAL SCHEMES OF ERNAKULAM DISTRICT CO-OPERATIVE BANK", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.5, Issue 12, page no.7-12, December-2018, Available :http://www.jetir.org/papers/JETIR1812402.pdf

"BENEFICIARIES PREFERENCE TOWARDS DEVELOPMENTAL SCHEMES OF ERNAKULAM DISTRICT CO-OPERATIVE BANK", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.5, Issue 12, page no. pp7-12, December-2018, Available at : http://www.jetir.org/papers/JETIR1812402.pdf