FINANCIAL SUSTAINABILITY OF STATE COOPERATIVE BANKS IN INDIA: TRENDS, CHALLENGES, AND IMPLICATIONS FOR ACHIEVING SUSTAINABLE DEVELOPMENT GOALS
DOI:
https://doi.org/10.59415/mjacs.288Keywords:
Cooperative Banks, Profitability, NPAs, Financial Sustainability, SDGsAbstract
This study examines the financial sustainability of State Cooperative Banks (SCBs) in India with a
focus on profitability and Non-Performing Assets (NPAs) from 2015 to 2024. The objectives are to
analyse national and regional trends, identify structural challenges, and assess implications for
sustainable development. Using secondary data from official sources such as NAFSCOB, NABARD
and RBI, the study applies trend analysis, CAGR computation, and regional comparisons to interpret
performance. Results reveal that while all-India profits grew at a CAGR of 10.6%, regional disparities
remain sharp: Western and Southern regions dominate profitability, whereas North-Eastern banks face
chronic fragility. NPAs peaked at 6.7% during 2020–21 but declined to 4.9% in 2024, masking regional
vulnerabilities. The findings conclude that sustained profitability requires governance reforms,
digitalization, diversification, and regional capacity building. Linking SCBs with SDGs highlights their
potential role in poverty reduction, food security, and financial inclusion.
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Copyright (c) 2026 Johnson N J, S V Rajkumar
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