MEASURING THE EFFICIENCY IN LENDING OPERATIONS OF STATE CO-OPERATIVE BANKS IN INDIA

Co-operatives are member driven and democratic in nature played a pioneering role providing agricultural credit to very large rural population, especially remote areas. The State Co-operative Banks (SCBs) the apex level co-operative institutions play significant functioning growth of structure respective states. Financial assistance from Reserve Bank India National for Agriculture Rural Development (NABARD) mainly routed through state banks hence they have ensure efficiency their lending operations. study has used benchmarking technique DEA revealed higher deviations scores among banks. problems challenges SCBs differ state. Hence every state, management regulating authorities should work on transforming system into viable self- sustaining by identifying addressing core inefficiencies.