Subject: Economics
Book: Comprehensive Indian Economy - Additional Topics
Urban cooperative banks serve smaller urban pockets, bridging formal finance for lower-income groups. However, governance lapses occasionally cause scams or liquidity crises, prompting RBI tightening. Microfinance extends tiny loans to self-help groups, especially women entrepreneurs. Topics for exam prep include deposit insurance coverage, dual regulation by state/central bodies, and the synergy of microfinance with financial inclusion. Good governance, technology adoption, and prudential norms remain vital for stability.
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