The District Central Co-operative Banks is the central financing agency in the entire district. At the district level, 18 Central Co-operativeBanks including on taluka Co-operative banking Union with their 1026branches are operating within their area of operations. District Banks caterthe financial needs of the Urban Cooperative Credit Societies, FSS,LAMPS and the other non-agricultural Societies, Taluka and District Sales and Purchase Union etc through their branches spread at talk and village levels in the concerned District and thereby cover whole state. The cooperative credit structure has been developed in India with the mission that they will provide the agricultural and finance to the needy farmers at a reasonable rate of interest. The DCCBs are mainly doing three activities in their area of operation like (i) advancement of agricultural finance (ii) collection of deposits and (iii) providing banking services. Up to 1990 the DCCBs has a Monopoly business and they were covering about 70 percent of the population particularly in rural area through their business. After introduction of New Economic Policy (NEP) the business of the DCCBs has become very competitive and they are facing stiff competition in their area of operation where they have to flourish their business before Nationalized bank, Commercial Bank, Private Bank, Foreign Banks, Non-Banking Financing Agencies, and others. The overall all profitability of the DCCBs is also going down year to Year. Out of 18 DCCBs in Gujarat only 10 are earning profit and 8 are in loss. The percentage of NPA of the DCCB is also exceeding from 35 to 40 percent in most of the DCCBs. Looking to the present situation prevailing in the area of DCCBs it is revealed that DCCBs have to make themselves more effective and efficient in the area of operation so that they can face the stiff competition and justify their objective of the existence. The present research study will focus on the overall all working of the DCCBs and examine the operational efficiency with the help of the following objectives
