Abstract

Background/Objectives: The banking sector in India has made tremendous improvement over the last few years. Even though many sections especially weaker and vulnerable groups of the society were financially excluded. Financial exclusion has decreased the extend of the financial services of banking sector. Financial inclusion ensures availability of banking services at an affordable cost. Even though the commercial banks towards the aim of financial inclusion they fail to deliver credit facilities far along the rural areas. The cooperative banks which is deeply ischolar_mained inside local areas and communities involved in rural development ensure the financial inclusion as a way for rural orientation. The present study mainly focused on the analysis of Credit Deposit Ratio, Non-Performing Assets and the financial inclusion of Perambra Regional Cooperative Bank.

Methods/Statistical analysis: The study is based on the secondary data which is collected from Bank circulars, Annual reports, and various publications such as Economic Survey, Kerala Economic Review, newspapers and magazines. For the analysis of data, simple statistical techniques like, percentage, average, tables, diagrams etc. were extensively used.

Findings: The study shows that Perambra regional cooperative bank has its role to play in including the people to the banking services by providing more credits and enhancing the habit of savings of the people. Besides this the increments of the NPA is an issue to be considered.

Improvements /applications: strict measures should be undertake to recover loan and to reduce NPA and writing off loans should not be encouraged as it promote the nonpayment of loans.

Keywords

Full Text