PERFORMANCE APPRAISAL OF KASHI GOMTI SAMYUT GRAMIN BANK : WITH SPECIAL REFERENCE TO EASTERN U.P.

Abstract

Kashi Gomti Samyut Gramin Bank is a rural bank of Eastern UP. Rural Bank is a local level banking organizations which operates in different states of India. RRBs had been constituted with a view to serve basic banking and financial services in the rural areas. It mobilizes financial resources from rural / semi-urban areas and provides loans and advances primarily to small and marginal farmers, agricultural labourers, and rural artisans. It is also worked as variety of different functions as an agent like carrying out government operations related to disbursement of wages of MGNREGA workers, distribution of pensions, locker facilities, debit and credit cards facilities etc. Uttar Pradesh is the most populous state in the Republic of India as well as the most populous country subdivision in the world. It covers 243,290 square kilometers (93,933 sq mi), equal to 6.88% of the total areas of India, and is the fourth largest Indian state by area and the third largest Indian state by economy, with a GDP of ?9,763 billion (US$150 billion). Agriculture and service industries are the largest parts of the state's economy. More than 60 percent population's livelihood is based on agriculture. Due to non availibity of banking facilities, they could not maintain qualities and quantities of food grains production; adaptation of new technology and also compensation of natural calamities losses. KGSG bank established in UP's main rural bank to solve the problems of rural. This study has been attempted an appraisal of the performance of KGSG bank in esteem of Period-wise Deposit and Advance Growth, Analysis of Income, Analysis of Expenditure and Analysis of Profitability etc.