• Dharatiben V. Vasoya

The concept of “Financial Inclusion” is inbuilt in the structure of Urban Co-operative Bank. As Urban Cooperative Banks are mostly working in the rural and semi-urban areas .They are the back bones of banking system and contribute for growth of the nation. The researcher aims to analyze the financial performance of The Varachha Cooperative bank (VCB) in the study. Financial performance is a scientific evaluation of the profitability and financial strength of any business. The financial performance of a bank can be measured in the form of efficiency, liquidity, profitability, services, customer satisfaction etc. The financial performance evaluation of VCB is taking into account selected variables viz., Membership, Deposits, Loans & Advances, Net Profit, Investments, Borrowings, Reserves, Working Capital, NPA, Interest received on Loans and Advances, Interest Paid on Deposits and Borrowings during the financial years 2008-09 to 2017-18. This study is entirely based on secondary data which is collected from Annual Reports of the bank and different analytical techniques have been applied to evaluate the financial performance of The Varachha cooperative Bank. The analyzed data reveals that there was significant growth in the deposits mobilization, loans and advances, working capital, reserves and surplus, share capital, membership, net profit, investments, borrowings etc. The milestone of the bank is that the non performing assets and borrowings of the bank are continuously zero during the study period and this is indicating satisfactory and effective management of funds within the bank. Therefore the performance of VCB was satisfactory during the tenure of ten years.

The Varachha Cooperative Banks (VCB),Urban cooperative Bank,Cooperative Banking in India,Loans & Advance,Deposit,Net Profit,Borrowings,Investments,Interest,Ratio Analysis,Correlation.

"Financial Performance Evaluation of The Varachha Co-operative Bank Limited", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 2, page no.1052-1058, February-2019, Available :http://www.jetir.org/papers/JETIR1902D55.pdf

"Financial Performance Evaluation of The Varachha Co-operative Bank Limited", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 2, page no. pp1052-1058, February-2019, Available at : http://www.jetir.org/papers/JETIR1902D55.pdf