Published Paper Details:

The District Central Banks are the Central financial agency in the entire district. There are 21 DCCBs with 4293 lakh employees in 12 branches all over Karnataka. Cooperative banks have unique position in the rural credit delivery system in India (Bhagirathi Prasad, 2005). They are important instruments for inclusive growth. They also continue to play significant role in the poverty alleviation, employment generation and in improving higher remunerative returns to the farmers (SharadPawar 2009) with the existing severe competition, it is well recognized that the success of cooperative banking institutions depends very much upon productive employment of available research. Basically there are two main resources of any financial institution viz., employees and buildings (officer). Therefore it is well said that optimum use of available employees and infrastructure facilities leads to high efficiency and profitability. Productivity does not mean here that referring to volume of output (Production), but it is the relationship between output and input. In the banking sector outputs are deposits advances and profits and inputs include employees and branches. Productivity refers to the attitude of mind and mentality of progress of the constant improvement of productivity rates that are existing. The performance of employees in these days of liberalization and existence of severe competition exactly influence the productivity rates in output. Therefore improvising the productivity rates of either output or input is a big challenge before the productive units, especially for service providing units like banks and now-a-days cooperative sector banks. The present study is intended to know the perceptions of customers on DCCBs, for this empirical study Chi-square analysis was computed to find out the association between dependent and independent variables with demographic variables like, age, gender, marital status, education, experiences of banks members, self income, family income, occupation of customers, of the respondents from the Divisions of Karnataka.