Vol. 3, Issue 3, Part E (2017)

Abstract
Urban Co-operative Bank is one of the vital segments in Indian banking system. They essentially cater to the credit needs of persons of small means. It is imperative to carefully evaluate and analysis the financial soundness of urban bank. Financial soundness of a bank is the guarantee not only for its depositors but equal important for shareholders, employees and whole financial system also. In this paper, an effort has been made to critical analysis of Saraswat Co-operative Bank Ltd. using CAMEL Modal for five year period from 2011-12 to 2015-16. Management of Saraswat Co-operative Bank Ltd. succeeds to maintain Capital to Risk-weighted Assets Ratio (CRAR) and Credit Deposit Ratio (CD Ratio) as per prescribed norms of RBI. Net Interest Margin Ratio of SCB limited was not as per standard, so it is need to improvement in Net Interest Margin Ratio. On the basis of the study, it can conclude that, financial soundness & overall performance of The Saraswat Co-operative Bank Ltd. was satisfactory during the study period.