• AparnaVemulapalli
• Dr. M.Victor Louis Anthuvan

Credit Co-operatives are one of the players in the rural finance in India. They are the oldest formal financial institutions in rural India. The structure of credit co-operatives in India is three tier. The apex body is the State Co-operative Bank (SCB) at state level, District Central Co-operative Bank (DCCB) at district level and Primary Agriculture Credit Societies (PACS) at village level. This paper measures the technical efficiency of SCBs in India during 2015-2017 and analyses the association of technical efficiency with the financial practices like cost of funds (COFs), Credit Risk (CR), Capital Adequacy Ratio (CAR) Credit Deposit Ratio (CD) and Profit (P). It was found that there is no significant association between efficiency and financial practices of SCBs in India. Though the association was insignificant except CAR other financial practices showed positive association.

DEA, Technical Efficiency, SCBs, Financial Practices

"Efficiency and Financial Practices of State Co-Operative Banks In India", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 4, page no.412-415, April-2019, Available :http://www.jetir.org/papers/JETIRBF06082.pdf

"Efficiency and Financial Practices of State Co-Operative Banks In India", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 4, page no. pp412-415, April-2019, Available at : http://www.jetir.org/papers/JETIRBF06082.pdf