INTRODUCTION

The Delhi State Cooperative bank Ltd was established on 2nd April 1921 and has completed 92 years of service to its clients. Being situated in the Walled city of Delhi, the bank has been a witness to historical events in pre and post-independence era. The bank also has the distinction of serving the clients and the cooperative movement both during pre and post-independence era. Its financial assistance and services to the urban and rural sector has been appreciated at various forums. The bank is an Apex cooperative bank in Delhi and it has a mandate of providing credit to other cooperative societies in the NCT of Delhi. It has also been playing the significant role in the cooperative movement of Delhi. Banks role towards Financial Assistance in rural and urban areas has been appreciated at various forums. Policy initiatives of the bank reflect its concern for fulfilling its mandate and realizing its vision. The bank always strives to promote cooperative principles. Services oriented to its satisfaction has been the core value of The Delhi State Cooperative Bank Ltd. in delivering quality services to its esteemed and loyal customers since 2nd April 1921. It has been into committed services to its customer for the last 91 years and strongly believes in flourishing in more. The Bank has overcome all the challenges it has come across and belives in further enhancing its financial and human resources. The Bank has been marching forward confidently towards celebrating a magnificent century with Hi-Tech culture with all its 49 branches having computerized facility for its valuable customers.

Role DSCB is performing banking functions as per the Banking regulating Act. In this field the bank is doing the basic banking functions of accepting deposits and lending through its branches. DSCB provides credit to cooperative institutions and individuals. DSCB provides assistance in the form of Short term credit, Medium term credit and Long term credit for the constituents as per their requirements.

Other Activities Accept Deposits from Cooperative Societies, other Institutions and Individuals. Provide all types of Loan to member cooperative societies registered in the NCT of Delhi and other Institutions and individuals (nominal members). Provide Kisan credit card facilities and other agricultural loans to farmers. Provide Employee Credit Card to Delhi State Government Employees including Government related and apex Cooperative bodies. Perform and miscellaneous Banking functions.

Share Capital The authorized share capital of the bank is Rs 5.00 crore. The paid up capital of the bank was Rs 324.55 crores as on 31.03.2010, increased to Rs 324.89 crores as on 31st March 2012.

Reserve funds Reserve funds and other reserves have increased from Rs 207.06 crore as on 31.03.2011 to Rs 230.11 crore on 31.03.2012. In addition to this Rs 382.95 lacs have been subscribed towards nominal share capital.