Abstract

In an economic system of a specific country, the most important part is their banking system. A strong banking system provided the straightness of the country’s economy because banks supply finance for various reasons (Economic Survey 2020-21). The Co-operatives bank in India is classified into main two parts namely Urban and Rural Credit Co-operatives bank (Diva Rai, 2019).The main aim of this research study is to review previous literature and find out the research gap and obtain a research framework for the current study.In the case study method, the researcher intensively explored and analyzed the life of a Pune District Central Cooperative Bank. It aims at studying everything about a few units rather than something about several units. In this method, no attempt is made to exercise experimental or statistical controls and phenomena relating to the unit are studied in natural settings. The researcher has considerable discretion in gathering information from a variety of sources such as peer review journals, articles, proceedings in conferences, seminars books, etc. The review of previous literature is an essential stage of every research after the research problem and research question. It assists the researcher to evaluate and search the research gap of the previous study interconnected to several variables and concepts, theories, objectives, hypotheses, and research design used in previous research studies. There are several research providesa variety of factors that affected the Non-Performing Assets of district central cooperative banks. But not much research has been accomplished to find out the interconnection between the Non-Performing Assets and their effects on the profitability of banks. This study is focused on searching the research gap between the previous literature and its boundaries. Several studies focus on challenges and issues of district cooperative banks and Non-Performing Assets so this study concentrates on the number of factors that will affect the performance of the bank and the relationship between the Non-Performing Assets and the functioning of Pune District Central Cooperative Banks.

Key words: Non-Performing Assets, District Central Co-operative Bank, Standard assets, substandard assets, loss assets