Lok Sabha Question No. 2942 (UNSTARRED), answered on 2018-12-28
Subject: Losses of Cooperative Banks
Ministry: FINANCE
Asked by: ASHOK MAHADEORAO NETE

Government of India Ministry of Finance Department of Financial Services LOK SABHA

Unstarred Question No. †2942

To be answered on Friday, December 28, 2018/Pausha 7, 1940 (Saka)

## Losses of Cooperative Banks

## Question

†2942. SHRI ASHOK MAHADEORAO NETE:

Will the Minister of FINANCE be pleased to state:

- (a) whether many cooperative banks especially in the backward areas are running in loss, if so, the details thereof;
- (b) the amount of loss incurred by each of the said banks during the last three years till date along with the reasons therefor; and
- (c)  the  details  of  administrative  expenses  incurred  by  these  banks  during  the  said period and the action being taken/ proposed to be taken to prevent this loss?

## Answer

The Minister of State in the Ministry of Finance (Shri Shiv Pratap Shukla)

- (a)  to  (c):  As  reported  by  National  Bank  for  Agriculture  and  Rural  Development (NABARD), as on 31 March 2018, out of 33 State Cooperative Banks (StCBs) 02 StCBs were in losses and   out of 363 District Central Cooperative Banks (DCCBs), 49  DCCBs  had  incurred  losses.  Bank-wise  position  indicating  yearly  loss  and administrative  expenses  incurred  by  the  StCBs  and  DCCBs  running  into  losses during the last three years are at Annexure I, II and III.

The following initiatives  have been taken by the Central Government to revive the financial health of Cooperative banks.

- (i)  A  revival  package  for  Short  Term  Cooperative  Credit  Structure  (STCCS)  was implemented during 2011-12 with a financial  outlay  of  ₹13596  crore  including  GoI share  of  ₹9245.28  crore  for  their  recapitalisation  and  expenditure  like  HRD  and special  audits,  computerisation,  technical  assistance  etc.  The  scheme  closed  on 30.06.2011.
- (ii)  A  Special scheme for revival of 23 unlicensed DCCBs in 04 States (16 in Uttar Pradesh  (UP),  03  in  Maharashtra,  03  in  J&K  and  01  in  West  Bengal)  was implemented during 2014-15 with financial requirement of ₹2375.42 crores including GoI share of ₹673.29 crore.
- (iii)  NABARD  has  stated  that  all  banks  under  Short  Term  Cooperative  Credit Structure (STCCS) have been brought under Core Banking Systems (CBS) platform.
- (iv) National Level and State level review meetings are being conducted regularly by NABARD to review the financial performance of StCBs and DCCBs. Banks are being advised/ guided on measures to improve their financial profitability.

| as on 31.03.2016 Annexure I to Lok Sabh USQ 2942 for 28.12.2018 Rs in lakh   | as on 31.03.2016 Annexure I to Lok Sabh USQ 2942 for 28.12.2018 Rs in lakh   | as on 31.03.2016 Annexure I to Lok Sabh USQ 2942 for 28.12.2018 Rs in lakh   | as on 31.03.2016 Annexure I to Lok Sabh USQ 2942 for 28.12.2018 Rs in lakh                          | as on 31.03.2016 Annexure I to Lok Sabh USQ 2942 for 28.12.2018 Rs in lakh   | as on 31.03.2016 Annexure I to Lok Sabh USQ 2942 for 28.12.2018 Rs in lakh   |
|------------------------------------------------------------------------------|------------------------------------------------------------------------------|------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------|------------------------------------------------------------------------------|
| Sr. No.                                                                      | Name of the Region                                                           | Name of the State/ UT                                                        | Name of the Bank                                                                                    | Loss for the Year                                                            | Administrative Expences                                                      |
| 1                                                                            | Central Region                                                               | Madhya Pradesh                                                               | JILLA SAHAKARI KENDRIYA BANK MARYADIT, BHIND                                                        | 273.30                                                                       | 788.05                                                                       |
| 2                                                                            | Central Region                                                               | Madhya Pradesh                                                               | JILLA SAHAKARI KENDRIYA BANK MARYADIT, DATIA                                                        | 1699.06                                                                      | 415.74                                                                       |
| 3                                                                            | Central Region                                                               | Madhya Pradesh                                                               | JILLA SAHAKARI KENDRIYA BANK MARYADIT,REWA                                                          | 2666.47                                                                      | 612.54                                                                       |
| 4                                                                            | Central Region                                                               | Madhya Pradesh                                                               | JILLA SAHAKARI KENDRIYA BANK MARYADIT, SATNA                                                        | 2417.78                                                                      | 609.73                                                                       |
|                                                                              |                                                                              | Madhya Pradesh Total                                                         |                                                                                                     | 7056.61                                                                      | 2426.06                                                                      |
| 5                                                                            | Central Region                                                               | Uttarakhand                                                                  | THE UTTARKASHI ZILA SAHKARI BANK LTD., UTTARKASHI                                                   | 1689.78                                                                      | 1108.65                                                                      |
|                                                                              |                                                                              | Uttarakhand Total                                                            |                                                                                                     | 1689.78                                                                      | 1108.65                                                                      |
| 6                                                                            | Central Region                                                               | Uttar Pradesh                                                                | ALLAHABAD DISTRICT CO-OPERATIVE BANK LTD.                                                           | 781.75                                                                       | 1186.42                                                                      |
| 7                                                                            | Central Region                                                               | Uttar Pradesh                                                                | BAHRICH DISTRICT CO-OPERATIVE BANK LTD.                                                             | 268.93                                                                       | 357.93                                                                       |
| 8                                                                            | Central Region                                                               | Uttar Pradesh                                                                | BUDAUN JILLA SAHKARI BANK LTD.                                                                      | 269.83                                                                       | 517.47                                                                       |
| 9                                                                            | Central Region                                                               | Uttar Pradesh                                                                | DEORIA KASIA CO-OPERATIVE BANK LTD.                                                                 | 333.30                                                                       | 713.99                                                                       |
| 10                                                                           | Central Region                                                               | Uttar Pradesh                                                                | DISTRICT CO-OPERATIVE BANK LTD., VARANASI                                                           | 131.34                                                                       | 655.35                                                                       |
| 11                                                                           |                                                                              |                                                                              |                                                                                                     |                                                                              |                                                                              |
|                                                                              | Central Region                                                               | Uttar Pradesh                                                                | FATEHPUR DISTRICT CO-OPERATIVE BANK LTD.                                                            | 1632.26                                                                      | 750.24                                                                       |
| 12                                                                           | Central Region                                                               | Uttar Pradesh                                                                | GORAKHPUR JILLA SAHKARI BANK LTD.                                                                   | 1221.82                                                                      | 899.58                                                                       |
| 13                                                                           | Central Region                                                               | Uttar Pradesh                                                                | JILLA SAHAKARI BANK LTD., AZAMGARH                                                                  | 347.20                                                                       | 454.26                                                                       |
| 14                                                                           | Central Region                                                               | Uttar Pradesh                                                                | JILLA SAHAKARI BANK LTD., GHAZIPUR                                                                  | 300.98                                                                       | 523.61                                                                       |
| 15                                                                           | Central Region                                                               | Uttar Pradesh                                                                | JILLA SAHKARI BANK LTD., BALLIA                                                                     | 83.42                                                                        | 433.77                                                                       |
| 16                                                                           | Central Region                                                               | Uttar Pradesh                                                                | JILLA SAHKARI BANK LTD., BASTI                                                                      | 347.73                                                                       | 519.50                                                                       |
| 17                                                                           | Central Region                                                               | Uttar Pradesh                                                                | JILLA SAHKARI BANK LTD., JAUNPUR                                                                    | 652.01                                                                       | 409.55                                                                       |
| 18                                                                           | Central Region                                                               | Uttar Pradesh                                                                | JILLA SAHKARI BANK LTD., LAKHIMPUR-KHIRI                                                            | 4348.98                                                                      | 3256.58                                                                      |
| 19                                                                           | Central Region                                                               | Uttar Pradesh                                                                | SULTANPUR JILLA SAHKARI BANK LTD.                                                                   | 37.84                                                                        | 361.06                                                                       |
|                                                                              |                                                                              | Uttar Pradesh Total                                                          |                                                                                                     | 10757.39                                                                     | 11039.31                                                                     |
| 20                                                                           | Eastern Region                                                               | Bihar                                                                        | THE AURANGABAD DISTRICT CENTRAL CO-OPERATIVE BANK LTD.                                              | 524.09                                                                       | 153.91                                                                       |
| 21                                                                           | Eastern Region                                                               | Bihar                                                                        | THE KATIHAR DISTRICT CENTRAL CO-OPERATIVE BANK LTD.                                                 | 464.53                                                                       | 187.25                                                                       |
| 22                                                                           | Eastern Region                                                               | Bihar                                                                        | THE NAWADAHCENTRAL CO-OPERATIVE BANK LTD.                                                           | 83.98                                                                        | 200.31                                                                       |
| 23                                                                           | Eastern Region                                                               | Bihar                                                                        | THE ROHIKA CENTRAL CO-OPERATIVE BANK LTD., MADHUBANI                                                | 109.87                                                                       | 273.93                                                                       |
|                                                                              |                                                                              | Bihar Total Jharkhand                                                        | THE GIRIDIH CENTRAL CO-OPERATIVE BANK LTD.                                                          | 1182.47 114.24                                                               | 815.40 277.95                                                                |
| 24                                                                           | Eastern Region                                                               | Jharkhand Total                                                              |                                                                                                     | 114.24                                                                       | 277.95                                                                       |
| 25                                                                           | Eastern Region                                                               | West Bengal                                                                  | BALAGERIA CENTRAL CO-OPERATIVE BANK LTD.                                                            | 501.31                                                                       | 670.88                                                                       |
| 26                                                                           | Eastern Region                                                               | West Bengal                                                                  | BANKURA DIST CENTRAL CO-OPERATIVE BANK LTD.                                                         | 727.00                                                                       | 1763.23                                                                      |
| 27                                                                           | Eastern Region                                                               | West Bengal                                                                  | BIRBHUM DISTRICT CENTRAL CO-OPERATIVE BANK LTD.                                                     | 2722.67                                                                      | 307.55                                                                       |
| 28                                                                           | Eastern Region                                                               | West Bengal                                                                  |                                                                                                     | 60.26                                                                        | 708.22                                                                       |
|                                                                              |                                                                              | West Bengal Total                                                            | DARJEELING DISTRICT CENTRAL CO-OPERATIVE BANK LTD.                                                  | 4011.24                                                                      | 3449.88                                                                      |
| 29                                                                           | Northern Region                                                              | Haryana                                                                      | THE AMBALA CENTRAL CO-OPERATIVE BANK LTD.                                                           | 323.67                                                                       | 1506.43                                                                      |
| 30                                                                           | Northern Region                                                              | Haryana                                                                      | THE FATEHABAD CENTRAL CO-OPERATIVE BANK LTD.                                                        | 288.95                                                                       | 1327.52                                                                      |
| 31                                                                           | Northern Region                                                              | Haryana                                                                      | THEMEHENDRAGARH CENTRAL CO-OPERATIVE BANK LTD.                                                      | 131.22                                                                       | 811.65                                                                       |
| 32                                                                           | Northern Region                                                              | Haryana                                                                      | THE SIRSA CENTRAL CO-OPERATIVE BANK LTD.                                                            | 800.83                                                                       | 2157.47                                                                      |
|                                                                              | Northern Region                                                              | Haryana                                                                      |                                                                                                     | 33.85                                                                        | 1158.59                                                                      |
| 33                                                                           |                                                                              | Haryana                                                                      | THE YAMUNANAGAR CENTRAL CO-OPERATIVE BANK LTD.                                                      | 1578.52                                                                      | 6961.66                                                                      |
| 34                                                                           | Northern Region                                                              | Total Jammu and                                                              | BARAMULLA CENTRAL CO-OPERATIVE BANK LTD.                                                            | 1126.28                                                                      | 1501.61                                                                      |
|                                                                              |                                                                              | Kashmir                                                                      |                                                                                                     |                                                                              | 1070.46                                                                      |
| 35                                                                           | Northern Region                                                              | Jammu and Kashmir Jammuand Kashmir Total                                     | THE ANANTNAG CENTRAL CO-OPERATIVE BANK LTD.                                                         | 1304.75 2431.03                                                              | 2572.07                                                                      |
| 36                                                                           | Northern Region                                                              | Punjab                                                                       | THE MANSA CENTRAL CO-OPERATIVE BANK LTD., MANSA THE SANGRUR CENTRAL CO-OPERATIVE BANK LTD., SANGRUR | 267.06                                                                       | 904.55                                                                       |
| 37                                                                           | Northern Region                                                              | Punjab Punjab Total                                                          |                                                                                                     | 465.56                                                                       | 2971.14                                                                      |
| 38                                                                           | Northern Region                                                              | Rajasthan                                                                    | BARAN KENDRIYA SAHAKARI BANK LTD.                                                                   | 732.62 274.36                                                                | 3875.69 1102.66                                                              |
| 39                                                                           | Northern Region                                                              | Rajasthan                                                                    | THE CENTRAL CO-OPERATIVE BANK                                                                       | 500.87                                                                       | 436.01                                                                       |
| 40                                                                           | Northern Region                                                              | Rajasthan                                                                    | LTD.,TONK THE KOTA CENTRAL CO-OPERATIVE BANK LTD.                                                   | 552.61                                                                       | 728.06                                                                       |
|                                                                              |                                                                              | Rajasthan                                                                    |                                                                                                     | 1327.84                                                                      | 2266.73                                                                      |
| 41                                                                           | Southern Region                                                              | Total Andhra Pradesh                                                         | THE DISTRICT CO-OPERATIVE CENTRAL BANK LTD., VIZIANAGARAM                                           | 1392.65                                                                      | 642.80                                                                       |
|                                                                              |                                                                              | Andhra Pradesh Total                                                         |                                                                                                     | 1392.65                                                                      | 642.80                                                                       |
| 42 43                                                                        | Southern Region                                                              | Tamil Nadu                                                                   | THE KANYAKUMARI DISTRICT CENTRAL CO-OPERATIVE BANK LTD.                                             | 43.22 12250.23                                                               | 1923.48 2587.70                                                              |
|                                                                              | Southern Region                                                              | Tamil Nadu                                                                   | THE VELLORE DISTRICT CENTRAL COOPERATIVE BANK LTD.                                                  | 12293.45                                                                     |                                                                              |
| 44                                                                           | Western Region                                                               | Tamil Nadu Total Gujarat                                                     | THE KACHCHH DISTRICT CENTRAL CO-OPERATIVE BANK                                                      | 59.33                                                                        | 4511.18 624.42                                                               |
| 45                                                                           |                                                                              | Gujarat Total                                                                |                                                                                                     | 59.33                                                                        | 624.42                                                                       |
| 46                                                                           | Western Region Western Region                                                | Maharashtra                                                                  | BEED DISTRICT CENTRAL CO-OPERATIVE BANK LTD. BULDHANA DISTRICT CENTRAL CO-OPERATIVE BANK LTD.       | 1292.94                                                                      | 3570.38 1644.15                                                              |
|                                                                              |                                                                              | Maharashtra                                                                  |                                                                                                     | 2087.16                                                                      |                                                                              |
| 47                                                                           | Western Region                                                               | Maharashtra                                                                  | DHULE & NANDURBAR DISTRICT CENTRAL CO-OPERATIVEBANK                                                 | 406.34                                                                       | 3173.72                                                                      |
| 48                                                                           | Western Region                                                               | Maharashtra                                                                  | LTD. NAGPUR DISTRICT CENTRAL CO-OPERATIVE BANK LTD.                                                 | 1106.46                                                                      | 2410.20                                                                      |
| 49                                                                           | Western Region                                                               | Maharashtra                                                                  | NASIK DISTRICT CENTRAL CO-OPERATIVE BANK LTD.                                                       | 6163.59                                                                      | 7792.64                                                                      |
|                                                                              |                                                                              | Maharashtra                                                                  |                                                                                                     | 287.24                                                                       | 7633.60                                                                      |
| 50                                                                           | Western Region                                                               | Maharashtra                                                                  | THE JALGAON DISTRICT CENTRAL CO-OPERATIVE BANK LTD.                                                 | 774.91                                                                       | 1307.83                                                                      |
| 51                                                                           | Western Region                                                               | Maharashtra                                                                  | WARDHADISTRICT CENTRAL CO-OPERATIVE BANK LTD.                                                       |                                                                              | 27532.52                                                                     |
|                                                                              |                                                                              |                                                                              |                                                                                                     | 12118.64                                                                     |                                                                              |
|                                                                              |                                                                              | Total Grand Total                                                            |                                                                                                     | 56745.81                                                                     | 68104.32                                                                     |

StCBs in loss as on 31.03.2016

| Sr. No   | Name of the Region   | Name of the State/ UT   | Name of the Bank                             |   Profit/ Loss for the Year |   Administrativ e Expences |
|----------|----------------------|-------------------------|----------------------------------------------|-----------------------------|----------------------------|
| 1        | Eastern Region       | Jharkhand               | THE JHARKHAND STATE CO-OPERATIVE BANK LTD.   |                      508.52 |                     555.98 |
| 2        | North Eastern Region | Manipur                 | THE MANIPUR STATE CO-OPERATIVE BANK LTD.     |                     7357.43 |                     942.71 |
| 3        | Northern Region      | New Delhi               | THE DELHI STATE CO-OPERATIVE BANK LTD.       |                     1255.51 |                    6051.45 |
| 4        | Southern Region      | Puducherry              | THE PONDICHERRY STATE CO-OPERATIVE BANK LTD. |                     1506.11 |                    2399.77 |
| 5        | Western Region       | Goa                     | THE GOA STATE CO-OPERATIVE BANK LTD.         |                      755.53 |                    4912.95 |
|          |                      | Grand Total             |                                              |                    11383.1  |                   14862.9  |

Source: NABARD

|                 |                                 |                                       | DCCBs in loss as on 31.03.2017 Annexure II to Lok Sabh USQ 2942                                                   | DCCBs in loss as on 31.03.2017 Annexure II to Lok Sabh USQ 2942   | DCCBs in loss as on 31.03.2017 Annexure II to Lok Sabh USQ 2942   |
|-----------------|---------------------------------|---------------------------------------|-------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------|-------------------------------------------------------------------|
| ्््् ्् Sr. No. | Region                          | Name of State                         | ्््् ्््् (््््््् /्््् ्््् Name of the Bank                                                                    | Net Loss 2016-17                                                  | Administrative Expences                                           |
| 1               | Central Region                  | Madhya Pradesh                        | BHOPAL CO-OPERATIVE CENTRAL BANK LTD., BHOPAL                                                                     | 1484.41                                                           | 3267.01                                                           |
| 2               | Central Region                  | Madhya Pradesh                        | JILLA SAHAKARI KENDRIYA BANK MARYADIT, DATIA                                                                      | 3319.23                                                           | 429.46                                                            |
| 3               | Central Region                  | Madhya Pradesh                        | JILLA SAHAKARI KENDRIYA BANK MARYADIT, SATNA                                                                      | 472.04                                                            | 693.79                                                            |
| 4               | Central Region                  | Madhya Pradesh Madhya Pradesh         | JILLA SAHAKARI KENDRIYA BANK MARYADIT, SIDHI JILLA SAHAKARI KENDRIYA BANK MARYADIT, TIKAMGARH                     | 1316.07 506.88                                                    | 516.20                                                            |
| 5               | Central Region                  | Madhya Pradesh Total                  |                                                                                                                   | 7098.63                                                           | 582.87 5489.33                                                    |
| 6               | Central Region                  | Uttarakhand                           | ZILA SAHKARI BANK LTD., HARIDWAR                                                                                  | 346.05                                                            | 1339.08                                                           |
|                 |                                 | Uttarakhand Total                     |                                                                                                                   | 346.05                                                            | 1339.08                                                           |
| 7               | Central Region                  | Uttar Pradesh                         | ALIGARH JILA SAHKARI BANK LTD.                                                                                    | 297.81                                                            | 596.81                                                            |
| 8               | Central Region                  | Uttar Pradesh                         | ALLAHABAD DISTRICT CO-OPERATIVE BANK LTD.                                                                         | 1049.35                                                           | 1140.05                                                           |
| 9               | Central Region                  | Uttar Pradesh                         | BAHRICH DISTRICT CO-OPERATIVE BANK LTD.                                                                           | 25.30                                                             | 421.02                                                            |
| 10              | Central Region                  | Uttar Pradesh                         | BUDAUN JILLA SAHKARI BANK LTD.                                                                                    | 37.21                                                             | 514.18                                                            |
| 11              | Central Region                  | Uttar Pradesh                         | DISTRICT CO-OPERATIVE BANK LTD., VARANASI                                                                         | 350.63                                                            | 717.24                                                            |
| 12              | Central Region                  | Uttar Pradesh                         | FATEHPUR DISTRICT CO-OPERATIVE BANK LTD.                                                                          | 2621.14                                                           | 933.75                                                            |
| 13              | Central Region                  | Uttar Pradesh                         | GORAKHPUR JILLA SAHKARI BANK LTD.                                                                                 | 976.99                                                            | 788.50                                                            |
| 14 15           | Central Region Central Region   | Uttar Pradesh                         | JILLA SAHKARI BANK LTD., BAREILLY                                                                                 | 299.58                                                            | 1173.09                                                           |
| 16              | Central Region                  | Uttar Pradesh                         | JILLA SAHKARI BANK LTD., KANPUR                                                                                   | 7.45 4557.91                                                      | 833.13                                                            |
|                 |                                 | Uttar Pradesh                         | JILLA SAHKARI BANK LTD., LAKHIMPUR-KHIRI                                                                          |                                                                   | 4224.52                                                           |
| 17 18           | Central Region                  | Uttar Pradesh                         | JILLA SAHKARI BANK LTD., SHAHJAHANPUR JILLA SAHKARI BANK LTD., SITAPUR                                            | 680.70 523.52                                                     | 1104.33 683.31                                                    |
| 19              | Central Region Central Region   | Uttar Pradesh Uttar Pradesh           | MAINPURI JILLA SAHKARI BANK LTD.                                                                                  | 235.63                                                            | 450.72                                                            |
|                 |                                 | Uttar Pradesh Total                   |                                                                                                                   | 11663.22                                                          | 13580.65                                                          |
| 20              | Eastern Region                  | Bihar                                 | SASARAM-BHABUA CENTRAL CO-OPERATIVE BANK LTD.                                                                     | 149.31                                                            | 452.38                                                            |
| 21              | Eastern Region                  | Bihar                                 | THE AURANGABAD DISTRICT CENTRAL CO-OPERATIVE BANK LTD.                                                            | 199.06                                                            | 221.62                                                            |
| 22              | Eastern Region                  | Bihar                                 | THE KATIHAR DISTRICT CENTRAL CO-OPERATIVE BANK LTD.                                                               | 301.47                                                            | 187.04 478.09                                                     |
| 23 24           | Eastern Region                  | Bihar Bihar                           | THE MONGHYR-JAMUI CENTRAL CO-OPERATIVE BANK LTD. THE MUZAFFARPUR CENTRAL CO-OPERATIVE BANK LTD.                   | 3939.29 138.94                                                    | 435.11                                                            |
|                 | Eastern Region                  | Bihar Total                           |                                                                                                                   | 4728.07                                                           | 1774.24                                                           |
| 25              | Eastern Region                  | Jharkhand                             | THE DEOGHAR JAMTARA CENTRAL CO-OPERATIVE BANK LTD.                                                                | 928.46                                                            | 525.05                                                            |
| 26              | Eastern Region                  | Jharkhand                             | THE GIRIDIH CENTRAL CO-OPERATIVE BANK LTD.                                                                        | 273.07                                                            | 205.88                                                            |
| 27              | Eastern Region                  | Jharkhand Jharkhand Total             | THE GUMLA-SIMDEGA CENTRAL CO-OPERATIVE BANK LTD.                                                                  | 273.34 1474.87                                                    | 482.22 1213.15                                                    |
| 28              | Eastern Region                  | West Bengal                           | BALAGERIA CENTRAL CO-OPERATIVE BANK LTD.                                                                          | 264.48                                                            | 702.25                                                            |
| 29              | Eastern Region                  | West Bengal                           | BANKURA DIST CENTRAL CO-OPERATIVE BANK LTD.                                                                       | 700.80                                                            | 1746.66                                                           |
| 30              | Eastern Region                  | West Bengal                           | BIRBHUM DISTRICT CENTRAL CO-OPERATIVE BANK LTD.                                                                   | 90.42                                                             | 546.55                                                            |
| 31              |                                 | West Bengal Total Haryana             | THE SIRSA CENTRAL CO-OPERATIVE BANK LTD.                                                                          | 1055.70 974.86                                                    | 2995.46 1623.55                                                   |
|                 | Northern Region                 | Haryana Total                         |                                                                                                                   | 974.86                                                            | 1623.55                                                           |
| 32              | Northern Region                 | Jammu & Kashmir                       | BARAMULLA CENTRAL CO-OPERATIVE BANK LTD.                                                                          | 1474.91                                                           | 1059.23                                                           |
| 33              | Northern Region                 | Jammu & Kashmir                       | THE ANANTNAG CENTRAL CO-OPERATIVE BANK LTD.                                                                       | 705.60                                                            | 1013.57                                                           |
| 34              | Northern Region                 | Jammu & Kashmir                       | THE JAMMUCENTRAL CO-OPERATIVE BANK LTD.                                                                           | 2942.05                                                           | 5925.46                                                           |
|                 |                                 | Jammu & Kashmir                       | Total                                                                                                             | 5122.56                                                           | 7998.26                                                           |
| 35              | Northern Region                 | Punjab Punjab                         | THE AMRITSAR CENTRAL CO-OPERATIVE BANK LTD., AMRITSAR                                                             | 663.92                                                            | 3384.29 1030.26                                                   |
| 36 37           | Northern Region Northern Region | Punjab                                | THE FARIDKOT CENTRAL CO-OPERATIVE BANK LTD., FARIDKOT THE FATEHGARH SAHIB CENTRAL CO-OPERATIVE BANK LTD., SIRHIND | 76.21 107.29                                                      | 1392.21                                                           |
| 38              | Northern Region                 | Punjab                                | THE FAZILKA CENTRAL CO-OPERATIVE BANK LTD., FAZILKA FEROZEPUR                                                     | 489.99                                                            | 1694.77 908.74                                                    |
| 39 40           | Northern Region Northern Region | Punjab Punjab                         | THE FEROZEPUR CENTRAL CO-OPERATIVE BANK LTD., THE MANSA CENTRAL CO-OPERATIVE BANK LTD., MANSA                     | 100.41 178.06                                                     | 862.80                                                            |
| 41              | Northern Region                 | Punjab                                | THE MUKTSAR CENTRAL CO-OPERATIVE BANK LTD., MUKTSAR                                                               | 2262.09                                                           | 781.99                                                            |
| 42              | Northern Region                 |                                       |                                                                                                                   | 110.99                                                            | 2169.77                                                           |
| 43              | Northern Region                 | Punjab Punjab                         | THE PATIALA CENTRAL CO-OPERATIVE BANK LTD., PATIALA THE SANGRUR CENTRAL CO-OPERATIVE BANK LTD., SANGRUR           | 358.75                                                            | 2846.30                                                           |
| 44              | Northern Region                 |                                       | THE TARAN TARAN CENTRAL CO-OPERATIVE BANK LTD., TARAN                                                             | 554.33                                                            | 2112.17                                                           |
|                 |                                 | Punjab Punjab                         | TARAN                                                                                                             | 4902.04                                                           | 17183.30                                                          |
| 45 46           | Northern Region                 | Total Rajasthan                       | THE CENTRAL CO-OPERATIVE BANK LTD.,TONK THE CHURU CENTRAL CO-OPERATIVE BANK LTD.                                  | 1030.32 470.01                                                    | 507.11 816.21                                                     |
| 47              | Northern Region                 | Rajasthan                             |                                                                                                                   |                                                                   | 1683.94                                                           |
|                 | Northern Region                 | Rajasthan                             | THE GANGANAGAR KENDRIYA SAHAKARI BANK LTD.                                                                        | 226.71                                                            |                                                                   |
| 48              | Southern Region                 | Rajasthan Andhra                      | THE PRAKASAM DISTRICT CO-OPERATIVE CENTRAL BANK                                                                   | 1727.04 46.62                                                     | 3007.26 1789.00                                                   |
|                 |                                 | Total Pradesh Andhra Pradesh          | LTD.                                                                                                              |                                                                   | 1789.00                                                           |
|                 |                                 | Total Kerala                          |                                                                                                                   | 46.62                                                             |                                                                   |
| 49              | Southern Region                 | Kerala Total                          | THE THIRUVANANTHAPURAM DISTRICT CO-OPERATIVE BANK LTD.                                                            | 13135.33 13135.33                                                 | 7681.32 7681.32                                                   |
| 50              | Western Region                  | Gujarat                               | THE KACHCHH DISTRICT CENTRAL CO-OPERATIVE BANK                                                                    | 93.52 93.52                                                       | 639.84 639.84                                                     |
| 51 52           | Western Region Western Region   | Gujarat Total Maharashtra Maharashtra | DHULE & NANDURBAR DISTRICT CENTRAL CO-OPERATIVEBANK NASIK DISTRICT CENTRAL CO-OPERATIVE BANK LTD.                 | 828.63 5886.44                                                    | 2930.36 10875.79                                                  |
| 53              |                                 | Maharashtra                           | LTD. SHOLAPUR DISTRICT CENTRAL CO-OPERATIVE BANK LTD.                                                             | 6155.98                                                           | 7489.54                                                           |
| 54              | Western Region                  | Maharashtra                           | THE JALGAON DISTRICT CENTRAL CO-OPERATIVE BANK LTD.                                                               | 744.82                                                            | 7364.55                                                           |
| 55              | Western Region Western Region   | Maharashtra                           | WARDHADISTRICT CENTRAL CO-OPERATIVE BANK LTD.                                                                     | 9769.97                                                           | 1432.13                                                           |
|                 |                                 | Maharashtra Total                     |                                                                                                                   | 23385.84                                                          | 30092.37                                                          |
|                 |                                 | Grand Total                           |                                                                                                                   |                                                                   | 96406.81                                                          |
|                 |                                 |                                       | StCBs in loss as on 31.03.2017                                                                                    | 75754.35                                                          |                                                                   |
| Sr.             | Name of the                     | Name of the State/ UT                 | Name of the Bank                                                                                                  | Profit/ Loss for the Year                                         | Administrative Expences                                           |
| No.             | Region                          |                                       |                                                                                                                   |                                                                   |                                                                   |
| 1               | Eastern Region                  | Jharkhand                             | JHARKHAND STATE CO-OPERATIVE BANK LTD.                                                                            | 315.02                                                            | 1042.13 6236.65                                                   |
|                 |                                 | Goa                                   | THE THE                                                                                                           |                                                                   |                                                                   |
| 2               |                                 |                                       |                                                                                                                   |                                                                   |                                                                   |
|                 | Western Region                  |                                       | GOA STATE CO-OPERATIVE BANK LTD.                                                                                  | 1485.06                                                           |                                                                   |

Source: NABARD

| DCCBs in loss as on 31.03.2018*   | DCCBs in loss as on 31.03.2018*   | DCCBs in loss as on 31.03.2018*                                                                                               | DCCBs in loss as on 31.03.2018*                                                                                               | DCCBs in loss as on 31.03.2018*   | DCCBs in loss as on 31.03.2018*   |
|-----------------------------------|-----------------------------------|-------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------|-----------------------------------|-----------------------------------|
| Sr . N o.                         | Name of the Region                | Name of the State/ UT Name of the Bank                                                                                        | Name of the State/ UT Name of the Bank                                                                                        | Loss for the Year                 | Administrative Expences           |
| 1                                 | Central Region                    | Madhya Pradesh BHOPAL CO-OPERATIVE CENTRAL BANK LTD., BHOPAL                                                                  | Madhya Pradesh BHOPAL CO-OPERATIVE CENTRAL BANK LTD., BHOPAL                                                                  | 840.61                            | 3278.55                           |
| 2                                 | Central Region                    | Madhya Pradesh JILLA SAHAKARI KENDRIYA BANK MARYADIT, DATIA                                                                   | Madhya Pradesh JILLA SAHAKARI KENDRIYA BANK MARYADIT, DATIA                                                                   | 2826.40                           | 395.79                            |
| 3                                 | Central Region                    | Madhya Pradesh JILLA SAHAKARI KENDRIYA BANK MARYADIT, GWALIOR                                                                 | Madhya Pradesh JILLA SAHAKARI KENDRIYA BANK MARYADIT, GWALIOR                                                                 | 7207.90                           | 462.17                            |
| 4                                 | Central Region                    | Madhya Pradesh JILLA SAHAKARI KENDRIYA BANK MARYADIT, HOSHANGABAD                                                             | Madhya Pradesh JILLA SAHAKARI KENDRIYA BANK MARYADIT, HOSHANGABAD                                                             | 547.56                            | 1225.68                           |
| 5                                 | Central Region                    | Madhya Pradesh JILLA SAHAKARI KENDRIYA BANK MARYADIT,REWA                                                                     | Madhya Pradesh JILLA SAHAKARI KENDRIYA BANK MARYADIT,REWA                                                                     | 2510.41                           | 533.21                            |
| 6                                 | Central Region                    | Madhya Pradesh JILLA SAHAKARI KENDRIYA BANK MARYADIT, SATNA                                                                   | Madhya Pradesh JILLA SAHAKARI KENDRIYA BANK MARYADIT, SATNA                                                                   | 2568.56                           | 562.54                            |
| 7                                 | Central Region                    | Madhya Pradesh JILLA SAHAKARI KENDRIYA BANK MARYADIT, SHAHDOL                                                                 | Madhya Pradesh JILLA SAHAKARI KENDRIYA BANK MARYADIT, SHAHDOL                                                                 | 919.83                            | 476.39 562.78                     |
| 8 9                               | Central Region Central Region     | Madhya Pradesh JILLA SAHAKARI KENDRIYA BANK MARYADIT, SIDHI                                                                   | Madhya Pradesh JILLA SAHAKARI KENDRIYA BANK MARYADIT, SIDHI                                                                   | 2367.60 181.53                    | 564.97                            |
|                                   |                                   | Madhya Pradesh JILLA SAHAKARI KENDRIYA BANK MARYADIT, TIKAMGARH                                                               | Madhya Pradesh JILLA SAHAKARI KENDRIYA BANK MARYADIT, TIKAMGARH                                                               | 19970.4                           | 8062.08                           |
|                                   | Region                            | Madhya Pradesh Total                                                                                                          | Madhya Pradesh Total                                                                                                          | 0                                 | 2332.01                           |
| 10 Central                        |                                   | Uttarakhand NAINITAL DISTRICT CO-OPERATIVE BANK LTD., HALDWANI                                                                | Uttarakhand NAINITAL DISTRICT CO-OPERATIVE BANK LTD., HALDWANI                                                                | 241.80                            |                                   |
| 11                                | Central Region                    | Uttarakhand Total                                                                                                             | Uttarakhand Total                                                                                                             | 241.80 157.56                     | 2332.01 604.15                    |
| 12                                | Central Region                    | Uttar Pradesh ALIGARH JILA SAHKARI BANK LTD. Uttar Pradesh ALLAHABAD DISTRICT CO-OPERATIVE BANK LTD.                          | Uttar Pradesh ALIGARH JILA SAHKARI BANK LTD. Uttar Pradesh ALLAHABAD DISTRICT CO-OPERATIVE BANK LTD.                          | 890.40                            | 1043.88                           |
| 13                                | Central Region                    | Uttar                                                                                                                         | Uttar                                                                                                                         | 204.75                            | 938.69                            |
| 14                                | Central Region                    | Pradesh BANDA DISTRICT CO-OPERATIVE BANK LTD.                                                                                 | Pradesh BANDA DISTRICT CO-OPERATIVE BANK LTD.                                                                                 | 635.93                            | 599.04                            |
| 15                                | Central Region                    | Uttar Pradesh BUDAUN JILLA SAHKARI BANK LTD. Uttar Pradesh DISTRICT CO-OPERATIVE BANK LTD., VARANASI                          | Uttar Pradesh BUDAUN JILLA SAHKARI BANK LTD. Uttar Pradesh DISTRICT CO-OPERATIVE BANK LTD., VARANASI                          | 1960.62                           | 707.51                            |
| 16 17                             | Central Region Central Region     | Uttar Pradesh                                                                                                                 | ETAH DISTRICT CO-OPERATIVE BANK LTD.                                                                                          | 573.51                            | 1071.43                           |
| 18                                |                                   | Uttar Pradesh FATEHPUR DISTRICT CO-OPERATIVE BANK LTD.                                                                        | Uttar Pradesh FATEHPUR DISTRICT CO-OPERATIVE BANK LTD.                                                                        | 468.01                            | 887.58                            |
| 19                                | Central Region                    | Uttar Pradesh HARDOI JILLA SAHKARI BANK LTD. Uttar Pradesh JILA SAHAKARI BANK LTD.,MAU                                        | Uttar Pradesh HARDOI JILLA SAHKARI BANK LTD. Uttar Pradesh JILA SAHAKARI BANK LTD.,MAU                                        | 191.12                            | 487.79                            |
| 20                                | Central Region Central Region     |                                                                                                                               |                                                                                                                               | 107.63 147.32                     | 346.21 528.51                     |
| 21                                |                                   | Uttar Pradesh JILLA SAHAKARI BANK LTD., GHAZIPUR                                                                              | Uttar Pradesh JILLA SAHAKARI BANK LTD., GHAZIPUR                                                                              | 742.15                            | 379.90                            |
| 22                                | Central Region                    | Uttar Pradesh JILLA SAHKARI BANK LTD., BALLIA Uttar Pradesh JILLA SAHKARI BANK LTD., BARABANKI                                | Uttar Pradesh JILLA SAHKARI BANK LTD., BALLIA Uttar Pradesh JILLA SAHKARI BANK LTD., BARABANKI                                |                                   |                                   |
| 23                                | Central Region                    |                                                                                                                               |                                                                                                                               | 396.21                            | 960.77                            |
|                                   | Central Region                    | Uttar Pradesh JILLA SAHKARI BANK LTD., BASTI                                                                                  | Uttar Pradesh JILLA SAHKARI BANK LTD., BASTI                                                                                  | 408.64                            | 345.64                            |
| 24                                | Central Region                    | Uttar Pradesh JILLA SAHKARI BANK LTD., PRATAPGARH                                                                             | Uttar Pradesh JILLA SAHKARI BANK LTD., PRATAPGARH                                                                             | 427.79                            | 963.94                            |
| 25                                | Central Region                    | Uttar Pradesh MAINPURI JILLA SAHKARI BANK LTD.                                                                                | Uttar Pradesh MAINPURI JILLA SAHKARI BANK LTD.                                                                                | 370.76 7682.40                    | 541.31 10406.35                   |
| 26                                | Eastern Region                    | Uttar Pradesh Total Bihar THE NAWADAHCENTRAL CO-OPERATIVE BANK LTD.                                                           | Uttar Pradesh Total Bihar THE NAWADAHCENTRAL CO-OPERATIVE BANK LTD.                                                           | 814.37                            | 943.47                            |
| 27 28                             | Eastern Region Eastern Region     | Bihar THE ROHIKA CENTRAL CO-OPERATIVE BANK LTD., MADHUBANI                                                                    | Bihar THE ROHIKA CENTRAL CO-OPERATIVE BANK LTD., MADHUBANI                                                                    | 202.60 385.09                     | 408.74 502.95                     |
|                                   |                                   | Bihar THE SAMASTIPUR DISTRICT CENTRAL CO-OPERATIVE BANK LTD. Bihar Total                                                      | Bihar THE SAMASTIPUR DISTRICT CENTRAL CO-OPERATIVE BANK LTD. Bihar Total                                                      | 1402.06                           | 1855.16                           |
| 29                                | Northern Region                   | Jammu and Kashmir BARAMULLA CENTRAL CO-OPERATIVE BANK LTD.                                                                    | Jammu and Kashmir BARAMULLA CENTRAL CO-OPERATIVE BANK LTD.                                                                    | 5404.84                           | 887.58                            |
| 30                                | Northern Region                   | Jammu and Kashmir THE ANANTNAG CENTRAL CO-OPERATIVE BANK LTD.                                                                 | Jammu and Kashmir THE ANANTNAG CENTRAL CO-OPERATIVE BANK LTD.                                                                 | 786.59                            | 1122.50                           |
|                                   |                                   | Jammuand Kashmir Total                                                                                                        | Jammuand Kashmir Total                                                                                                        | 6191.43                           | 2010.08                           |
| 31 32                             | Northern Region                   | Punjab THE                                                                                                                    | AMRITSAR CENTRAL CO-OPERATIVE BANK LTD., AMRITSAR                                                                             | 245.65                            | 3001.72                           |
| 33                                | Northern Region Northern Region   | Punjab THE BHATINDA CENTRAL CO-OPERATIVE BANK LTD., BHATINDA                                                                  | Punjab THE BHATINDA CENTRAL CO-OPERATIVE BANK LTD., BHATINDA                                                                  | 270.90 98.61                      | 1723.59 1071.42                   |
| 34                                |                                   | Punjab THE FARIDKOT CENTRAL CO-OPERATIVE BANK LTD., FARIDKOT                                                                  | Punjab THE FARIDKOT CENTRAL CO-OPERATIVE BANK LTD., FARIDKOT                                                                  | 172.32                            |                                   |
|                                   | Northern Region                   | Punjab THE FATEHGARH SAHIB CENTRAL CO-OPERATIVE BANK LTD., SIRHIND                                                            | Punjab THE FATEHGARH SAHIB CENTRAL CO-OPERATIVE BANK LTD., SIRHIND                                                            | 941.68                            | 1546.22                           |
| 35                                | Northern Region                   | Punjab THE FAZILKA CENTRAL CO-OPERATIVE BANK LTD., FAZILKA                                                                    | Punjab THE FAZILKA CENTRAL CO-OPERATIVE BANK LTD., FAZILKA                                                                    | 265.87                            | 1535.89 935.79                    |
| 36 37                             | Northern Region                   | Punjab THE FEROZEPUR CENTRAL CO-OPERATIVE BANK LTD., FEROZEPUR                                                                | Punjab THE FEROZEPUR CENTRAL CO-OPERATIVE BANK LTD., FEROZEPUR                                                                | 665.62                            | 973.73                            |
| 38                                | Northern Region Northern Region   | Punjab THE MANSA CENTRAL CO-OPERATIVE BANK LTD., MANSA                                                                        | Punjab THE MANSA CENTRAL CO-OPERATIVE BANK LTD., MANSA                                                                        | 782.52                            | 831.40                            |
| 39                                | Northern Region                   | Punjab THE MUKTSAR CENTRAL CO-OPERATIVE BANK LTD., MUKTSAR                                                                    | Punjab THE MUKTSAR CENTRAL CO-OPERATIVE BANK LTD., MUKTSAR                                                                    | 213.21                            | 2776.37                           |
| 40                                | Northern Region                   | Punjab THE SANGRUR CENTRAL CO-OPERATIVE BANK LTD., SANGRUR Punjab THE TARAN TARAN CENTRAL CO-OPERATIVE BANK LTD., TARAN TARAN | Punjab THE SANGRUR CENTRAL CO-OPERATIVE BANK LTD., SANGRUR Punjab THE TARAN TARAN CENTRAL CO-OPERATIVE BANK LTD., TARAN TARAN | 486.50 4142.88                    | 2034.53 16430.66                  |
|                                   |                                   | Punjab Total Rajasthan THE JAISALMER CENTRAL CO-OPERATIVE BANK LTD.                                                           | Punjab Total Rajasthan THE JAISALMER CENTRAL CO-OPERATIVE BANK LTD.                                                           | 837.16                            | 621.58                            |
| 41                                | Northern Region                   |                                                                                                                               |                                                                                                                               |                                   |                                   |
| 42                                | Southern Region                   | Rajasthan Total Andhra Pradesh THE                                                                                            | PRAKASAM DISTRICT CO-OPERATIVE CENTRAL BANK                                                                                   | 837.16 350.79                     | 621.58                            |
| 43                                |                                   | Andhra Pradesh Total                                                                                                          | Andhra Pradesh Total                                                                                                          | 350.79                            | 2359.76 2359.76                   |
|                                   | Southern Region                   | Kerala THE THIRUVANANTHAPURAM DISTRICT CO-OPERATIVE BANK LTD.                                                                 | Kerala THE THIRUVANANTHAPURAM DISTRICT CO-OPERATIVE BANK LTD.                                                                 | 36235.8 7                         | 12006.29                          |
|                                   |                                   | Kerala Total                                                                                                                  | Kerala Total                                                                                                                  | 36235.8 7                         | 12006.29 682.69                   |
| 44                                | Western Region                    | Gujarat THE KACHCHH DISTRICT CENTRAL CO-OPERATIVE BANK                                                                        | Gujarat THE KACHCHH DISTRICT CENTRAL CO-OPERATIVE BANK                                                                        | 89.40 89.40                       |                                   |
| 45                                |                                   | Gujarat Total                                                                                                                 | Gujarat Total                                                                                                                 | 905.85                            | 682.69                            |
| 46                                | Western Region Western Region     | Maharashtra AURANGABAD DISTRICT CENTRAL CO-OPERATIVE BANK LTD. NASIK DISTRICT CENTRAL CO-OPERATIVE BANK LTD.                  | Maharashtra AURANGABAD DISTRICT CENTRAL CO-OPERATIVE BANK LTD. NASIK DISTRICT CENTRAL CO-OPERATIVE BANK LTD.                  | 903.21 5062.07                    | 6393.52 8831.16 3581.39           |
| 47 48                             | Western Region Western Region     | Maharashtra                                                                                                                   | Maharashtra                                                                                                                   |                                   | 6840.59                           |
|                                   |                                   | Maharashtra OSMANABAD DISTRICT CENTRAL CO-OPERATIVE BANK LTD. Maharashtra SHOLAPUR DISTRICT CENTRAL CO-OPERATIVE BANK LTD.    | Maharashtra OSMANABAD DISTRICT CENTRAL CO-OPERATIVE BANK LTD. Maharashtra SHOLAPUR DISTRICT CENTRAL CO-OPERATIVE BANK LTD.    | 2754.15 1235.56                   | 989.46                            |
| 49                                | Western Region                    | Maharashtra WARDHADISTRICT CENTRAL CO-OPERATIVE BANK LTD.                                                                     | Maharashtra WARDHADISTRICT CENTRAL CO-OPERATIVE BANK LTD.                                                                     | 10860.                            |                                   |
|                                   |                                   | Maharashtra Total                                                                                                             | Maharashtra Total                                                                                                             | 84                                | 26636.12                          |
|                                   |                                   | Grand Total                                                                                                                   | Grand Total                                                                                                                   | 88005.                            |                                   |
|                                   |                                   |                                                                                                                               |                                                                                                                               |                                   | 83402.78                          |
| Sr . N                            | Name of the Region                | Name of the State/ UT                                                                                                         | Name of the State/ UT                                                                                                         | 03 Profit/ Loss for the           | Administrative Expences           |
| 2                                 |                                   | THE MANIPUR STATE CO-OPERATIVE BANK LTD.                                                                                      | THE MANIPUR STATE CO-OPERATIVE BANK LTD.                                                                                      | 97.89 832.59                      | 674.33                            |
| North                             | Eastern Region                    |                                                                                                                               |                                                                                                                               | Year 734.70                       | 6523.42                           |
|                                   |                                   | Assam THE ASSAM CO-OPERATIVE APEX BANK LTD.                                                                                   | Assam THE ASSAM CO-OPERATIVE APEX BANK LTD.                                                                                   |                                   |                                   |
| o. 1                              |                                   |                                                                                                                               |                                                                                                                               |                                   |                                   |
|                                   | North Eastern Region              |                                                                                                                               |                                                                                                                               |                                   |                                   |
|                                   |                                   |                                                                                                                               |                                                                                                                               |                                   | 7197.75                           |
|                                   |                                   | Manipur                                                                                                                       | Manipur                                                                                                                       |                                   |                                   |
|                                   |                                   | Grand Total                                                                                                                   |                                                                                                                               |                                   |                                   |

Source: NABARD

*unaudited data