The urban cooperative banking movement in India has been growing steadily ever since were brought under the Banking Regulations Act, 1949 in 1966. The number of Urban Co-operative Banks (UCBs), which was nearly. They have mobilized sizable deposits of around Rs. 100,000 crores, more than Rs. 73,000 crores of these deposit of UCBs have been deployed in the form of loans and advances. Thus, UCBs are contributing considerably to the cause of economic development of the country. Even today despite all sorts of efforts by the private sector banks and foreign banks to rope in every economic endeavour in India, UCBs are going on flourishing day after day. Men with small means as well as sizable part of middle class still depend on UCBs for all sorts of banking services.This research paper evaluates performance parameters of UCBs in the State of U.P. that comes under service sector industry in India. The emergence of private sector banks and foreign banks has further thrown a challenge on the path of their working and has highly accelerated the competition, which they are supposed to face. Hence, here the objective of this research paper is to analyse and evaluate the performance parameters of UCBs in U.P. in terms of parameters of growth, productivity, work organization and profitability.
