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Urban Cooperative Banks: A Case Study of Karnataka

Saha, Amrita (2010): Urban Cooperative Banks: A Case Study of Karnataka. Published in: Yojana- Government of India Development Monthly (September 2010)

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The Urban Cooperative Banks catering to the needs of the people of the weaker sections in the urban areas are a powerful means of financial empowerment and financial inclusion. Urban Cooperative Banking is based on the twin model of Banking & Cooperation. In spite of immense heterogeneity in assets, operation area, nature of operation; UCBs have immense potential to tackle externalities that inhibit smooth credit flow at a local level.I have undertaken a Case Study on UCBs in Karnataka. It is based on first-hand qualitative and quantitative data from the UCBs, secondary data from RBI Offsite Surveillance System, Bank’s Balance Sheets & RBI Inspection reports. A survey of the selected UCBs in June 2009 yielded meaningful insights.

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