The establishment of the cooperative banking system in India may be attributed to the enactment of the Cooperative Credit Societies Act in 1904. This legislation aimed to facilitate the provision of production credit to farmers. In 1912, amendments were made to the Act of 1904 to facilitate the establishment of central cooperative banks at the district level. The legislation was designed to give the act a federal character with three tiers in order to promote the growth of cooperative banks. The objectives are The objective is to analyse the Working Capital and Total Advances of DCC Bank in Chikkamagaluru District, as well as assess the Short-Term and Medium-Term Agricultural Loans offered by the same bank in the same district. The research relied only on secondary data. The collection of secondary data included gathering information from many sources, including publications from Apex Bank in Bangalore, annual reports and office records from District Central Co-operative Bank in Chikkamagalur, annual reports from DCC Bank Chikkamagalur, as well as books, journals, and websites. The collected data has been examined and presented in a methodical and rigorous way. A tabular and graphical representation of the data has been created. Percentage, average, annual growth rate (AGR), compound annual growth rate (CAGR), standard deviation, coefficient of variation.

Co-operation, commercial banks, disbursement of loan, institutionalization Nationalization