Comparative Analysis of Products and Services of Janta Sahakari Bank & Mahila Urban Co-operative Bank

Author(s): Pooja Lanke and Dr. Jyoti Sah

Abstract:

This research paper presents a comprehensive comparative analysis of two prominent co- operative banks in Maharashtra: Janta Sahakari Bank and Mahila Urban Co-operative Bank. Co-operative banks play a critical role in India’s financial landscape, particularly in fostering financial inclusion in rural and semi-urban regions. This study explores various banking dimensions, including deposit schemes, loan products, interest rate structures, digital banking services, customer satisfaction, and service delivery mechanisms. The methodology integrates both primary and secondary data sources to assess operational efficiency, technological adoption, and customer-centric strategies. Graphical tools such as figures and charts are used for better visualization and interpretation of comparative trends. The paper also highlights the role of these banks in supporting community development and inclusive growth. The findings indicate that Janta Sahakari Bank has made significant progress in digital banking and product diversification, catering effectively to modern banking needs. Meanwhile, Mahila Urban Co-operative Bank continues to serve as a reliable and personalized banking option for its niche clientele, particularly women and underserved groups. The study provides valuable insights for researchers, banking professionals, and policymakers to understand the evolving dynamics of co-operative banking and to identify best practices that can enhance competitiveness, innovation, and service excellence in the sector.

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Pages: 101-105     |    1 View     |    0 Download