A Micro Study of Assam Co-operative Apex Bank Ltd

The State Co-operative bank is an important financial institution in the Co-operative Banking system. The present study emphasizes the detailed functioning of the “Assam Co-operative Apex Bank Ltd. especially the Membership & Share Capital, Loan & Advances, Recovery, NPA, Management Cost, and Operational Results are which the important aspects of the study. The Bank grants loans to the agricultural sector, agro based industries like Tea and Sugar etc. under the Short-Term, Medium Term, and Long-Term periods. Poor recovery, mounting over dues and NPA are the main causes of the continuous loss to the bank. The work force of the bank must be professional and necessary training is emphasized for updating knowledge as per present banking and business environment.