Performance Evaluation Of Himachal Pradesh State Cooperative Bank Ltd

Abstract

The cooperative structure is an essential component of our financial system, particularly in rural financing. A large
number of cooperative societies operate at the grass root level, assisting in meeting the financial requirements of the
rural people. District co-operative banks assist these organizations in raising funds via loans. Finally, state co-operative
banks exist to fulfill the requirements of the District co-operative banks. In India, this three-tier structure seems to be
functioning effectively. This is a secondary route accessible to rural residents to assist them in resolving their financial
problems. It has been observed the published data available here about the demises of various cooperative banks in the
past due to their poor functioning or administration resultant poor financial condition of the cooperative bank is seen.
This article attempts to examine the performance of state co-operative bank in Himachal Pradesh, namely Himachal
Pradesh State Co-operative Bank Ltd. (India). This study is to evaluate the performance of this bank on certain criteria
that will be extremely useful in determining the existence and potential of these banks in the future.