• Dr. Monali Ray
• Dr. Rinkoo Shantnu

A co-operative bank is a financial entity which belongs to its members, who are at the same time the owners and the customers of their bank. Co-operative banks generally provide their members with a wide range of banking and financial services i.e. loans, deposits, banking accounts etc. These banks do not accept deposits from the general public. Credit cooperatives today cover 69 per cent of the rural credit outlets and their share in rural credit works out to about 45 per cent of the total credit for rural sector in the country. The co-operative banking is a three tier structure with State Co-operative Bank works at the apex level, District Co-operative Banks at district level and primary co-operative credit societies at village level. Purpose: The research study is an attempt to make a comparative analysis of SCBs and DCCBs in India on the basis of selected indicators. Design and methodology: The study is based on secondary data based on RBI publications for the year 2018-19 to 2019-20. Descriptive analysis was done through charts, graphs and tables. The inferential analysis was done through t- test to compare between DCCBs & SCBs on selected parameters. Findings: The findings of the study concluded that DCCBs have more outreach than SCBs. There are 351 DCCBs as compared to 33 SCBs in India as on March 2020. The DCCBs account for 35% and SCBs account for 65% of the total profits calculated on the basis of DCCBs and SCBs data for the year 2018-19 and 2019-2020. NPA to loan ratio shows that SCBs have lower ratio as compared to DCCBs. The recovery to demand ratio depicts that SCBs have better recovery to demand ratio as compared to DCCBs. Practical implications: The study is relevant to understand the performance of DCCBs and SCBS on the basis of selected parameters. The study can be extended to other parameters also. The study can be also be done on the primary credit co-operative societies operating at village level.

DCCBs, SCBs, Assets, Liabilities, NPA, Demand ratio.

"An analysis of District Central Co-operative Banks (DCCBs) & State Co-operative Banks (SCBs)", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.9, Issue 3, page no.e23-e30, March-2022, Available :http://www.jetir.org/papers/JETIR2203404.pdf

"An analysis of District Central Co-operative Banks (DCCBs) & State Co-operative Banks (SCBs)", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.9, Issue 3, page no. ppe23-e30, March-2022, Available at : http://www.jetir.org/papers/JETIR2203404.pdf