Evaluating Technical Efficiency of District Central Cooperative Banks in Rajasthan: A DEA-Based Analysis (2013–2018)

This study evaluates the technical efficiency of District Central Cooperative Banks (DCCBs) in Rajasthan over the period 2013–14 to 2017–18 using Data Envelopment Analysis (DEA). Applying the input-oriented BCC model under variable returns to scale, the study decomposes overall technical efficiency (OTE) into pure technical efficiency (PTE) and scale efficiency (SE). Data for 29 DCCBs were sourced from the National Federation of State Cooperative Banks. The results reveal considerable variation in efficiency scores across banks and over time. While some banks like Dungarpur consistently achieved high OTE scores, others, such as ‘Tonk’ remained persistently inefficient. Approximately 15 banks were found to be pure technically efficient, suggesting strong managerial practices, but scale inefficiencies remained widespread. The findings highlight the need for policy attention to improve scale efficiency and support underperforming banks in adopting best practices from efficient peers.