Author(s): Bebika Dhruw, Dr. BC Jain, Dr. VK Choudhary and Dr. Roshni Verma

Abstract: In India, the cooperative banking sector is one of the most important partners of the banking structure. Cooperative banks have more reach in rural areas through their huge network of branches in the credit structure. The financial system in India has witnessed significant changes in recent years, particularly in terms of investment growth and loan disbursement. This study examines the correlation between investment growth and loan disbursement, as well as CD ratio trends and their implications for financial stability. Factors influencing the observed growth patterns are discussed, along with comparisons to existing literature. The study's implications on the financial performance of DCCBs in the Raipur Division are also highlighted, with recommendations for improving loan disbursement, investment, and CD ratio growth provided for future research.

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