District Central Co-operative Banks (DCCBs) occupy a central position in India’s cooperative credit framework by acting as a financial intermediary between Primary Agricultural Credit Societies (PACS) and State Cooperative Banks (SCBs). They play a crucial role in promoting agricultural development, financial inclusion, and rural entrepreneurship. However, the financial performance of DCCBs differs significantly across regions due to variations in agro-climatic conditions, economic development, governance standards, and institutional efficiency. The present study undertakes a comparative analysis of the financial performance of DCCBs operating in Marathwada and Western Maharashtra. The study is based on secondary data collected from annual reports of selected DCCBs, publications of the Reserve Bank of India (RBI), and reports of the National Bank for Agriculture and Rural Development (NABARD) over a period of five years from 2019–20 to 2023–24. Ratio analysis and the CAMELS framework are used to evaluate key dimensions such as capital adequacy, asset quality, management efficiency, earnings, liquidity, and sensitivity to risk. Financial indicators including Return on Assets (ROA), Return on Equity (ROE), Net Non-Performing Assets (Net NPA), and Credit–Deposit Ratio are analyzed in detail. The findings reveal significant regional disparities in the financial performance of DCCBs. Banks in Western Maharashtra demonstrate relatively stronger profitability, better asset quality, and higher managerial efficiency compared to their counterparts in Marathwada. The study highlights the influence of regional economic conditions, climatic factors, and institutional strength on the financial health of cooperative banks. The paper concludes with policy-oriented suggestions aimed at improving operational efficiency, loan recovery mechanisms, and long-term sustainability of DCCBs, particularly in economically backward regions.
Deshmukh et al. (Sat,) studied this question.
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