Published Paper Details:

A bank in a broader sense has a cluster of financial institutions open to the public to serve individuals, various institutions, and different businesses. Theses financial stakeholders are authorized by state and federal laws to receive or lend money from any kind of businesses, individuals, NGO etc. from their own or from any country around the world. Banking business has done wonders for the world economy. In the absence of banking business, savings would sit idle in our homes, the entrepreneurs would not be in a position to raise the money, ordinary people dreaming for a new car or house would not be able to purchase cars or houses. Cooperative banks are performing multipurpose functions of financial, administrative, supervisory and development in nature of expansion and development of cooperative credit system. In brief, the cooperative banks have to act as a friend, philosopher and guide to entire cooperative structure in rural and semi urban areas. The study is based on some urban co-op banks in Delhi (India). The study undertakes the bank’s performance along with the lending practices provided to the customers of their banks. This study highlights the lending patterns of the customers from various cooperative banks in Delhi. This study will help us to find the role of lending practices in credit risk Management.