Impact of revolving cash credit to farmers on profits of district central cooperative banks in Punjab Dr. Singh Nachhattar*, Kaur Parminder**,*** *Principal, Agriculture Cooperative Staff Training Institute, Opposite G.P.O., Jalandhar, Punjab, India **Research Scholar, PTU, Jalandhar ***Associate Prof.& Head, PG Deptt. Of Commerce, B.D. Arya Girls College, Jalandhar Cantt, Punjab, India Online published on 29 November, 2014. Abstract Cooperatives are an important form of business organisations all over the world. In postindependence era cooperatives were visualised to emerge as a strong balancing sector between the private and public sectors. Cooperative credit institutions have played an important, fair and significant role in overcoming the problems of rural credit. Rural cooperative credit structure is an important and integral part of Indian banking system. It has played a decisive role in economic development of India especially of rural economy. A well-defined rural credit system has already been developed to meet agriculture production oriented credit needs. However for other socio consumption needs farmers are still dependent upon informal credit sources. To fill this credit gap cooperative banks of Punjab have taken a lead in 1997-98 and have started providing Revolving Cash Credit Facility (RCCF) to farmers. This study makes an attempt to assess the impact of this new product line (RCCF) on profits of DCCBs. In this article yield rate of RCCF, yield rate on total loans, differential yield rate and differential earningshad been studied in selected district central cooperative banks (DCCBs) of Punjab (India) to know its impact on profits. Some measures have been suggested to strengthen it further. Top Important words DCCBs, RCCF, NPAs, Differential Earnings, Yield Rate. Top |