Abstract
The enactment of the Cooperative credit societies Act, 1904 gave a definite structure for cooperatives in India. Although the era of cooperatives started long ago, till date they are considered inept with commercial banks in providing quality services to their customers. Lack of professionalism, Limited area of operations, Lack of technical knowledge, Poor customer services can be considered as hindrances of the cooperative credit institutions in India. Cooperative institutions are also criticized for their policy circles in the back-drop of a fast-changing financial system.
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