Performance Evaluation of Himachal Pradesh State Cooperative Bank Ltd

Abstract

v newlinePREFACE newlineThe cooperative structure is an essential component of our financial system, newlineparticularly in rural financing. A large number of cooperative societies operate at the newlinegrass root level, assisting in meeting the financial requirements of the rural people. newlineDistrict co-operative banks assist these organizations in raising funds via loans. Finally, newlinestate co-operative banks exist to fulfil the requirements of the District co-operative newlinebanks. In India, this three-tier structure seems tobe functioning effectively. This is a newlinesecondary route accessible to rural residents to assist them in resolving their financial newlineproblems. It has been observed the published data available here about the demises of newlinevarious cooperative banks in the past due to their poor functioning or administration newlineresultant poor financial condition of the cooperative bank is seen. This article attempts newlineto examine the performance of state co-operative bank in Himachal Pradesh, namely newlineHimachal Pradesh State Co-operative Bank Ltd (India). This study is to evaluate the newlineperformance of this bank on certain criteria that will be extremely useful in determining newlinethe existence and potential of these banks in the future. newlineChapter one i.e. Overview of HPStCB, synthesizes the conceptual operational newlineintroduction especially related with the concept of origin of society and cooperative newlinebank, role and cooperative movement in India and in state of Himachal Pradesh, newlinefunction of state co-operative bank and performanceand growth of the HPStCB Ltd. newlineChapter two of the study i.e. Review of Literature is specially endowed to newlineemphasize upon the existing relevant literature related with the research problems so as newlineto understand the literacy achievements, recommendations and to identify the research newlinegap. newlineChapter three, Research Design, attempt has been made to explain the Research newlineDesign. The researcher has tried to explain the need, scope,