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Date : Sep 15, 2023
Table 60 : Gross Non-Performing Assets of Co-Operative Banks
(Per cent of gross advances)
Year (end-March) Urban Co-operative Banks (UCBs) Rural Co-operative Banks
Short-Term Structure Long-Term Structure
StCBs DCCBs PACS SCARDBs PCARDBs
1 2 3 4 5 6 7
1995-96 13.0 - - 34.7 - -
1996-97 13.2 - - 34.9 - -
1997-98 11.7 12.5 17.8 35.3 18.6 16.5
1998-99 11.7 12.6 17.8 35.0 19.2 16.1
1999-00 12.2 10.7 17.2 35.4 18.7 20.0
2000-01 16.1 13.0 17.9 34.9 20.5 24.3
2001-02 21.9 13.4 19.9 32.4 18.5 30.2
2002-03 19.0 18.2 21.2 38.2 20.9 33.8
2003-04 22.7 18.7 24.0 36.8 26.7 35.8
2004-05 23.2 16.3 19.9 33.6 31.3 31.9
2005-06 18.9 16.8 19.7 30.4 32.7 35.6
2006-07 18.3 14.2 18.5 29.1 30.3 35.4
2007-08 15.5 12.8 20.5 35.7 34.5 53.7
2008-09 13.4 12.0 18.0 44.8 30.1 39.0
2009-10 10.1 8.8 13.0 41.4 45.1 51.9
2010-11 8.4 8.5 11.2 25.2 32.3 40.6
2011-12 7.0 7.0 10.2 26.8 33.1 36.7
2012-13 6.0 6.1 9.7 24.7 36.0 37.7
2013-14 5.7 5.5 10.3 19.0 31.6 38.0
2014-15 6.2 4.9 9.5 22.4 30.3 36.2
2015-16 6.1 4.5 9.4 18.9 22.0 36.6
2016-17 7.2 4.1 10.5 26.6 23.6 33.0
2017-18 7.2 4.7 11.2 28.2 25.0 38.3
2018-19 7.3 4.3 11.9 45.2 26.5 39.3
2019-20 10.6 6.7 12.6 31.0 33.0 42.8
2020-21 12.1 6.7 11.4 33.5 33.2 42.3
2021-22 9.7 6.0 10.8 - 35.4 43.2
Notes : StCBs : State Co-operative Banks
DCCBs : District Central Co-operative Banks
PACS : Primary Agricultural Credit Societies
SCARDBs : State Co-operative Agriculture and Rural Development Banks
PCARDBs : Primary Co-operative Agriculture and Rural Development Banks
(-) : Data not available
1. Data for 2021-22 are provisional.
2. Data for PACS represent percentage of overdues to demand.
3. Prudential norms were made applicable to the UCBs since 1992-93, the StCBs and DCCBs since 1996-97 and SCARDBs and PCARDBs since 1997-98.
4. During the financial year 2019-20, 13 of the 14 DCCBs in Kerala (except Mallapuram DCCB) amalgamated with Kerala StCB.
Sources : Reserve Bank for UCBs and NABARD for Rural Co-operative Banks (excluding PACS for which the source is NAFSCOB).

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