A PROJECT REPORT ON

CO-OPERATIVE BANK IN INDIA

SUBMITTED TO

UNIVERSITY OF MUMBAI

IN PARTIAL FULFILMENT

SEMESTER - VI

IN BANKING AND INSURANCE STUDIES

SUMITTED BY

PATIL SHRUTI NARESH

(1882334)

This Photo by
Unknown Author
UNDER THE GUIDANCE
is licensed under OF
CC BY-SA

PROF.OM P. DEWANI

VPM’S R.Z. SHAH COLLEGE OF

ARTS, SCIENCE AND COMMERCE

MITHAGHAR ROAD, MULUND (E), MUMBAI 400081

April-2019
 Declaration by learner

I the undersigned Miss PATIL SHRUTI NARESH here by, declare that the
work embodied in this project work titled “CO-OPERATIVE BANK IN
INDIA”, forms my own contribution to the research work carried out under
the guidance of PROF.OM P. DEWANI. This study is a result of my own
research work and has not been previously submitted to any other University
for any other Degree to this or any other University.

Whenever reference has been made previous works of others, it has been
clearly indicated as such included in the bibliography.

I, here by further declare that all information of this document has been
obtained and presented in accordance with academic rules and ethical conduct.

(Shruti Patil)

Certificated by

Prof. Om Dewani
 Acknowledgment

To list who all have helped me is difficult because they are so numerous, and
the depth is so enormous.

I would like to acknowledge the following as being idealistic channels and

fresh dimensions in the completion of this project.

I take this opportunity to thank the University of Mumbai for giving me

chance to do this project.

I would like to thank my Principal, Dr. M.S. RAJE, for providing the
necessary facilities required for completion of this project.

I would also like to express my sincere gratitude towards my project guide

Prof. Om Dewani, whose guidance and care made the project successful.

I would like to thank my College Library, for having provided various

reference books and magazines related to my project.

Lastly, I would like to thank each and every person who directly or indirectly
helped me in the completion of the project especially my Parents and Peers
who supported me throughout my project.
CO-OPERATIVE
BANKS
IN INDIA
 INDEX

CHAPTER HEADING TOPIC PAGE

NO NO

1. INTRODUCTION

1.1 Introduction 2-3

1.2 definition 4
1.3 Indian view 5-7
1.4 Global view 7-9
1.5 History of co-operative bank 10
1.6 Regulatory framework 11-14
1.7 Importance 14
1.8 characteristics 15-16
1.9 Role of co-operative bank 17-18
1.10 Structure of co-operative bank 19
1.11 Types of co-operative bank 20
1.12 Classification 21
1.13 Urban co-operative bank 22
1.14 Objective and function 23-24
1.15 Area of operation 25
1.16 Progress of UCB 26
1.17 Rural co-operative bank 27
1.18 Short term rural co-operatives 28-31
1.19 Long term rural co-operatives 32-34
 1.20 Significance 35
1.21 NABARD & Co-operative 36-38
Sector
1.22 Weakness of co-operative 39-40
bank
1.23 Strength of co-operative bank 41-42
1.24 Co-operative bank v/s other 43-45
bank
RESEARCH
2. METHODOLOGY

2.1 Research methodology 47

2.2 Objective of the study 48
2.3 Limitation 48
2.4 Scope 49
2.5 Problems of the study 50
REVIEW OF
3. LITERATURE

3.1 Review of literature 52-64

DATA ANALYSIS,
4. INTERPRETATION
&
PRESENTATION
4.1 Saraswat bank 65-68
4.2 Facility provided by the bank 69-72
4.3 Primary survey 73-82
 CONCLUSION
5. &
SUGGESTION
5.1 Conclusion 84
5.2 suggestion 85-86
5.3 bibliography 87-88
5.4 webliography 89
5.5 annexure 90

LIST OF TABLES

Sr No. Content
1 Table 1.24
2 Table 4.1
3 Table 4.2
4 Table 4.3
5 Table 4.4
6 Table 4.5
7 Table 4.6
8 Table 4.7
9 Table 4.8
10 Table 4.9
11 Table 4.10
 LIST OF GRAPHS

Sr No. Content
1 Graph 1.1
2 Graph 4.1
3 Graph 4.2
4 Graph 4.3
5 Graph 4.4
6 Graph 4.5
7 Graph 4.6
8 Graph 4.7
9 Graph 4.8
10 Graph 4.9
11 Graph 4.10