• Dr. Renu Sardana
• Monisha Chaudhary

ABSTRACT:- Co-operative Banks play an important role in rural financing, with funding of areas under agriculture, livestock, milk, personal finance, self-employment, setting up of small scale units among the few focus points for both urban and rural Co-operative banks. They provide a much-needed alternative to the age-old exploitative practice of people approaching the village moneylender, most often getting into a debt-trap that they struggle to pull themselves out of. The Co-operative banking system came into being with the aim to promote saving and investment habit among people, especially in rural parts of the country. In this paper we will focus on The Haryana State Co-operative Apex Bank Ltd. (HARCO BANK), which is located in Haryana. The present study is only focuses on financial position of HARCO Bank and Crop-wise (Kharif Crops & Rabi Crops) advances by the Central Co-operative Banks.

KEY WORDS: - RBI, DCCBs, PACS, NABARD HARCO

"HARCO Bank: An Analytical Study ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.9, Issue 4, page no.i164-i171, April-2022, Available :http://www.jetir.org/papers/JETIR2204817.pdf

"HARCO Bank: An Analytical Study ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.9, Issue 4, page no. ppi164-i171, April-2022, Available at : http://www.jetir.org/papers/JETIR2204817.pdf