Review of Professional Management- A Journal of New Delhi Institute of Management

Open Access Open Access  Restricted Access Subscription Access

A Comparative Study of the Scheduled Commercial Banks of Meghalaya and India


Affiliations
1 School of Business, The Assam Kaziranga University, Koraikhowa, Jorhat, Assam, India
 

Banking sector as a part of financial infrastructure of the economy facilitates mobilizing surplus funds from the public and channels it to finance both consumption and investment for deficit sector. Expansions of banking sector is an indicator of regional development. Several studies point out unequal banking facilities and unbanked/under banked areas in India reflecting disparities in financial infrastructure and hence regional growth. The present study aims to focus on the comparative scenario of scheduled commercial banks in India with reference to the State of Meghalaya on the basis of selected parameters viz. branch expansion, per office deposit & credit disbursed, credit-deposit ratio, per capita deposit & credit, and population served per branch. The study reveals that the state like Meghalaya is in disadvantaged position as compared to the national level. The author undertakes selected literature review related to the field and findings of the literature corroborate the observations of this research work.

Keywords

Scheduled Commercial Bank, Deposit, Credit, CD Ratio, Population Served Per Branch.
User
Notifications
Font Size

  • Angadi, V.B. (1984), Some Issues Relating to Productivity of Indian Scheduled Commercials Banks, The Journal of the Indian Institute of Bankers, 58 (4). 184.

  • Athma, P and Srinivas P. (1997), Productivity in Commercial Banks, Productivity, (October-November), 38 (3). 441. Basic Statistical Returns of Scheduled Commercial Banks in India (Various Issues)

  • Basu, S.K. (1991), Credit Worthiness of Purpose: A Study on RRBs, Kurukshetra, May,

  • Bhandari, G.P (2015). National and State Level Scenario of Scheduled Commercial Banks in India- A Study in the State of Meghalaya, The NEF Journal of Commerce & Management, 5 ( 2), 1-12

  • Chakma,J.B (2014). Financial Inclusion in India:A Brief Focus on Northeast India, International Journal of Application or Innovation in Engineering & Management, 3(11), 224-229.

  • Cheema, C.S and Agarwal, M (2002). Productivity in Commercial Banks: A DEA Approach, The Business Review, 8(1-2). 15-17.

  • Chilumuri, S.R (2013). Impact of Globalization on Scheduled Commercial Banks with Reference to Agriculture Sector”, IOSR Journal of Humanities And Social Science, 9(1), 5-10.

  • Chopra, K (1987), Managing Profits, Profitability and Productivity in Public Sector Banking, ABS Publication,

  • Choudhary, A.K. (1998); “Bank Management”, Rajat Publication, New Delhi, pp, 172,173.

  • Das, A and Ghosh, S (2004-05); “Examining Excess Capacity in Regional Rural Banks: Some Empirical Insights for India”, Prajnan, 33 (4) NIBM, Pune.

  • Das, A. (2002); “Risk and Productivity Change of Public Sector Bank”, Economic and Political Weekly, (February 2). pp-437-447.

  • Deb.J. P. (2010). Income Diversification in Banking: A Branch Level Study in North East India, The Journal of Management Awareness. 13 ( 1).98-104.

  • Ibrahim, S.M (2011). Operational Performance of Indian Scheduled Commercial Banks-An Analysis, Interrnational Journal of Business and Management, 6( 5), 120-128.

  • Krishnan.M (2012). Rural Banking Challenges in India, International Journal of Scientific Research, 1(7),

  • Mishra, S, Mohanty, A.S & Choudhoury, S (2010); “Provisioning of Rural Credit: An Indian Perspective”, Vilakshan, XIMB Journal of Management.

  • Swamy,V. PM (2011); “Financial Inclusion in India: An Evaluation of the Coverage, Progress and Trends”, The IUP Journal of Financial 12 Economics, 9(2). 7-26,

  • Verma, R & Bodla, B.S (2011); “Performance of scheduled commercial banks in India: An application of DEA, Decision-Indian Institute of Management, Calcutta, 28 (1). 05-76.

  • Verma. P and Nitin. K (2007); “A Study of Credit Deposit Ratio in Selected States of Western India”, The ICFAI Journal of Bank Management, 6(4). 31-39


Abstract Views: 693

PDF Views: 253




  • A Comparative Study of the Scheduled Commercial Banks of Meghalaya and India

Abstract Views: 693  |  PDF Views: 253

Authors

Govinda Prasad Bhanda
School of Business, The Assam Kaziranga University, Koraikhowa, Jorhat, Assam, India

Abstract


Banking sector as a part of financial infrastructure of the economy facilitates mobilizing surplus funds from the public and channels it to finance both consumption and investment for deficit sector. Expansions of banking sector is an indicator of regional development. Several studies point out unequal banking facilities and unbanked/under banked areas in India reflecting disparities in financial infrastructure and hence regional growth. The present study aims to focus on the comparative scenario of scheduled commercial banks in India with reference to the State of Meghalaya on the basis of selected parameters viz. branch expansion, per office deposit & credit disbursed, credit-deposit ratio, per capita deposit & credit, and population served per branch. The study reveals that the state like Meghalaya is in disadvantaged position as compared to the national level. The author undertakes selected literature review related to the field and findings of the literature corroborate the observations of this research work.

Keywords


Scheduled Commercial Bank, Deposit, Credit, CD Ratio, Population Served Per Branch.

References





DOI: https://doi.org/10.20968/rpm%2F2017%2Fv15%2Fi2%2F163912