A Study On Deposit, Loan Disbursement and Recovery Performance Analysis in Villupuram Central Cooperative Bank

This project aims to analyze the performance of deposit mobilization, loan disbursement, and recovery mechanisms in Villupuram Cooperative Bank. By catering to the credit and banking needs of agricultural communities and small enterprises, cooperative banks serve as a crucial source of financial support in rural and semi-urban region. The study focuses on understanding the patterns and trends of deposits collected, the efficiency and criteria in loan disbursement, and the effectiveness of recovery processes adopted by the bank. By employing both primary and secondary data, this research evaluates the financial health of the bank and identifies key performance indicators related to deposits and loans. Statistical tools such as ratio analysis, trend analysis, and recovery rate assessment are used to interpret the performance over a defined period. The study also highlights the challenges faced by the bank in ensuring timely recovery and suggests strategic recommendations to enhance operational efficiency and customer trust. The findings of the study will be useful for bank management, policymakers, and stakeholders to improve service delivery, reduce non-performing assets (NPAs), and strengthen the financial ecosystem in the cooperative banking sector