Strong and proper managed Co-operative banking system is important for Indian rural economy to reach sustainable growth and remain constant in competitive business situation. The District Central Cooperative Bank, Ujjain is situated in among Malwa Region. Ujjain, DCCB is doing well. As on 31.03.2020 the (CRAR) of the bank is 9.38% which is almost only complying with the Basel I slandered 9% norms. At present the Bank is facing with some problems like Gross NPA (8.39%), very low operating margin (1.23%), higher cost of funds (6.28%).In the present scenario context when Commercial Banks and as well as RRBs are undergoing consolidation, this becomes imperative to study the Financial Performance of DCCB, Ujjain so that proper steps may be taken to achieve the long term stability and also would be able to frame the policy to comply with the coming Basel II norms, This paper attempts to analyze the performance of the DCCB,Ujjain through Financial Ratios affecting to period 2017-2018 , 2018-2019 & 2019-2020 with special reference to Non Performing Assets.
Keywords: CRAR, CASA, Credit, NPA, Profitability, DCCB, NABARD.
A Non-performing asset (NPA) is defined as a credit facility in respect of which the interest and/or installment of principal has remained ‘past due’ for a specified period of time.
