Asian Journal of Managerial Science (AJMS)
Non-Performing Assets (NPAs) of Urban Co-operative Banks (UCBs) in Coimbatore District of Tamil Nadu: An Empirical StudyAuthor : P. Selvaraju
Volume 7 No.2 July-September 2018 pp 27-31
Co-operation is a special method of doing work jointly and suits the poor more than the rich. The rich, however, are not precluded from coming with its fold. All those who want to co-operate must, as a condition precedent, have a common need and to fulfill it, should agree to work selflessly. The origin of Indian Co-operative Credit Movement can be traced as far back as to 1844 as per the Report of Woodhead Famine Commission of Bengal Province. The said commission recommended that credit should be given at low rate of interest to the needy people. The Maclagan Committee’s recommendations (1914) have much to contribute in evolving the urban cooperative credit movement and such banks have started developing in all the states of the nation. Banking is a service industry. The main objective of the banking is to provide the financial support to its customers / members in co-operatives. The Urban Co-operative Banks (UCBs) occupy a significant place in the urban credit movement. The urban co-operative credit movement started in India with the chief object of catering to the banking and credit requirements of the urban middle class. The expanding NPAs in banking Industry are a major concern for banking industry. NPAs affect the performance of banks and growth in NPA which bring down the entire profitability of the sector. In backlash of this situation, the core objectives of this empirical study to bring the real status and conditions of Non-Preforming Assets in Urban Co-operative Banks in Coimbatore District of Tamil Nadu. Further, the study can explore the factual outlook and effects of the same on different heads such as assets classifications (Standard asset, sub-standard, Doubtful Assets 1(D1),D2 and D3 Assets, Loss Assets, Sector-wise analysis, Gross and Net NPAs etc., all about, the findings of this empirical study can give a better understanding about the sector to the people who are associated with academic, research scholars, banking professionals, policy makers and consultant are in particular and allied groups are in general.
Co-operative Bank, Non-Performing Assets, Urban Co-operative Bank, Assets, Provisions
 Bedi, R.D. (1983). Co-operation in Theory, History and Practice of Co-operation. Loyal Book Depot, India, 12th ed, 16-19.
 Abdul Kuddus, K.A. & Zakir Hussian, A.K. (2011). Cooperative Credit and Banking, 2nd ed., Limbra Publications, India. 289-295
 Indian Institute of Banking & Finance (2011). Co-operative Banking, 1st ed., Macmillan Publishers India, INDIA. 13-20.
 Bhavani Prasad, G.V., & Veena, D., (2011). NPAs in Indian Banking Sector- Trends and Issues. Journal on Banking Financial Services & Insurance Research (JBFSIR), 1(9), 67-84.
 Siraj, K.K., & Sudarsanan Pillai, P. (2012). A Study on the Performance of Non-Performing Assets (NPAs) of Indian Banking During Post Millennium Period. International Journal of Business and Management Tomorrow (IJBMT), 2 (3), 1-7.
 Amit Basak (2009). Performance of an Urban Cooperative Bank in West Bengal: An Appraisal. Indian Cooperative Review, 47(1).1-10.
 Sugate Marjit & Indrajit Mallick (2004). Collateral Mentoring and Banking Regulation. Economic and Political weekly, 1259-1262.
 RBI, (2015). Financial Markets – An Assessment of Reforms. Retrieved from, https://www.rbi.org.in/scripts/PublicationsView.aspx?id=10874
 Gurumurthy, S. (2008). The NPA Rule that Kills Banks, the Economy Itself. Retrieved from http://www.deepalichandra.blogspot.com.