DEPOSIT MOBILISATION AND CREDIT MANAGEMENT IN BANKS: A STUDY OF BIJAPURDISTRICT CENTRAL CO-OPERATIVE BANK VIJAYAPUR

The Bank earns profit by lending the different sectors in the economy.As the demand for credit and the quantum of credit increases the risk related to this also increases.The Recent example of failure of the Punjab Maharashtra Co-Operative Bank Ltd., Yes Bank and The Laxmi Vilas Banks elaborates the frauds and misappropriations and defective credit management policies of the Banks. The present study tries to analyse the trends of deposit mobilised and credit sanctioned by the bank and the trends of area wise and Taluka wise C/D ratio from 2012-13 to 2017-18.The Bank has the overall good Performance as the Deposits and Credits shows the increasing trend and the deposits and advances increased to almost 200 Percent.The Overall C/D ratio of the Bank shows the increasing trend.The bank need to improve in the equal distribution of credits in the Taluka wise and area wise as there is much variation.The Bank has to increase the credits by offering different schemes and providing the easy and affordable loan offerings as the total credit sanctioned by the Bank has registered the less Growth rate as compared to the deposits collected.