ISSN (Print) - 0012-9976 | ISSN (Online) - 2349-8846

Urban Cooperative BanksSubscribe to Urban Cooperative Banks

Financial Inclusion through Urban Cooperative Banks

This study gives insights into the financial inclusion and fintech performance of Telangana urban cooperative banks, based on a primary survey carried out among UCB officials. More than 60% of the UCBs are found to cater to slum dwellers and micro, small and medium enterprises. But a clear gender gap is evident in terms of account ownership and access to credit.

Converting Urban Cooperative Banks into Commercial Banks

The debate around the conversion of Scheduled Urban Cooperative Banks into commercial banks warrants an investigation into their performance. The larger objective is to examine whether SUCBs are able to compete with their peer group and remain viable when subjected to stringent regulatory requirements, in the event of their conversion. The performance of SUCBs as a group is comparable with that of their peer group, that is, old private sector banks, with the exception of non-performing assets. Performance rankings reveal that the smaller SUCBs are better performers than larger ones, calling for a relook at the threshold for conversion. In the event of conversion of SUCBs into commercial banks, some of the converted entities will be as good as some of the existing OPSBs, or may even be a shade better.
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