Vol. 6, Issue 10, Part N (2020)

Abstract
Though the Co-operative Banks have been established with laudable objective, they are suffering from various problems and as a result, their working of co-operatives banks is very precarious. This is due to many a number of reasons such as lower or negative spread, mounting nonperforming assets, entry of other Banking Institutions into the area earmarked for the Cooperative Banks as a result of which there is an increasing competition, etc. Moreover high levels of non-performing assets and high growth in credit of UCBs and Rural Credit Cooperative Institutions continue to be the major area of concern. Therefore, it is necessary to assess the working of Co-operative Banks. In this background, the present study intends to focus on the analysis of working of Co-operative Banks in general and of selected Co-operative Banks in Gulbarga district in particular with the objective of ascertaining the reasons for the same and also the extent to which each has contributed to the poor working of Co-operative Banks in the study area.