Performance Of Agricultural Loan Schemes Implemented Through Central Cooperative Banks At Valavanur Branch

Abstract

This Study Titled “Performance Of Agricultural Loan Schemes Implemented Through District Central Cooperative Banks At Valavanur Branch” Examines The Financial Performance And Operational Efficiency Of A Cooperative Bank Over The Period 2019–2024. Using Data From The Bank’s Balance Sheet, Receipts, And Payments Statements, The Study Analyses Key Indicators Such As Working Capital, Loans And Advances, Deposits, Reserves, And Borrowings. Trend And Percentage Analyses Were Applied To Assess Growth Patterns And Resource Utilization. The Findings Reveal A Consistent Rise In Deposits, Borrowings, And Working Capital, Reflecting Overall Growth And Financial Stability. However, The Deployment Of Funds Into Productive Loans And Profitability Ratios Remained Below The Ideal Level, Indicating Scope For Better Financial Management. The Study Emphasizes The Importance Of Strengthening Deposit Mobilization, Improving Loan Recovery, Enhancing Digital Banking Services, And Reducing Reliance On Borrowings. It Concludes That With Efficient Fund Allocation, Active Member Participation, And Effective Implementation Of Agricultural And Government Schemes, Cooperative Banks Can Achieve Sustainable Growth And Play A Pivotal Role In Promoting Rural Financial Inclusion And Economic Development.

Keywords