EFFICIENCY IN SANCTION AND DISBURSEMENTS OF LOANS: A STUDY OF BIJAPUR DISTRICT CENTRAL CO-OPERATIVE BANK VIJAYAPUR

Abstract

Every nation has to move towards the constant progression of growth. The Co-Operative Banks as part of the banking system operating in Rural and Urban areas in reduced scales, caters the financial needs of Rural and Urban sector particularly agriculture and allied activities, trade and commerce and consumer finance. This paper aims to study the efficiency in sanction and disbursement made by Bijapur District Central Co-Operative Bank Ltd. Vijayapur, Karnataka during 2013-14 to 2017-18.The overall performance is efficient in sanction and disbursements of advances as the total advances shows increasing trend and the bank is disbursing loans to every talukas, all areas, and each category of loans. The Bank has managed efficiently to allocate the funds to Priority Sector as well as Non-Priority sectors; this helps the Bank to maintain high profitability by adhering the guidelines of RBI in sanction and disbursement of advances. The performance of the Bank can improve further by enhancing the loan facilities, improving the quality, introducing new products, and attracting the unreached customers.