Published Paper Details:

The present paper is an attempt to examine Financial data of TJSB Sahakari Bank Ltd. Thane, in Thane District of Maharashtra State. TJSB is predominantly established by professionals & academicians and it is properly managed by professionals & business community. The objectives of the study is to analyze Reserve Fund, Deposits, Properties and Assets, Loans and Advances, Income & Expenditure of the TJSB , for this purpose primary data have been collected with the help of contact with officials, managers and directors of bank and the secondary data have been obtained from Annual Reports of five co-operative (financial) years i.e. 2011-12 to 2015-16. The Importance behind collection and analysis of data for Reserve Fund, Deposits, Assets, Loans and Advances, Income & Expenditure of the TJSB is to analyze efficiency, financial stability as well as profitability of Bank. Urban Cooperative banking sector can prosper and flourish by adopting the prudent corporate governance practices evolved and developed in banking industry from time to time by introducing effective financial management. Bank should equally distribute their deposits with the nationalized banks to reduce uncertainty of stability of Private and Cooperative banks. Bank should avoid to give the loans to Zombie Companies & Shell Companies which are paying only interest instead of regular repayment of their loans. The Bank should try to clean its Balance sheet in the sense of improving the financial liquidity of the assets.