Financial inclusion plays a positive role in achieving inclusive growth, which itself is required for ensuring the overall sustainable growth of a country. Financial inclusion is viewed as the delivery of banking services at an affordable cost to the vast sections of disadvantaged and low-income...

Urban Cooperative Banks (UCBs) figure among the vital segments of the banking industry of the country. They essentially cater to the credit needs of persons of small means. Though some UCBs have performed creditably in the recent years, a large number of them have shown discernible signs of...