• Vinay Gadigi
• Mohammed Javid

Retail loans are a popular financing option provided by certified, to individuals who wish to purchase assets like property, electronics, vehicles, and other essentials. To be eligible for a retail loan, borrowers must possess a decent credit score and an impressive repayment history. When obtaining a retail loan, the borrower is required to return the loan's principal and interest over a set time, either monthly or annually. People who need immediate cash for a purchase but don't on hand to make it upfront frequently turn to retail loans Studying retail loans in cooperative banks allows researchers to understand customer needs, assess loan portfolio quality, evaluate financial inclusion, and evaluate cooperative bank performance. This knowledge can help tailor loan products to meet the needs of their target market, leading to improved customer satisfaction and loyalty. Analysing loan portfolio quality helps identify potential risks, such as delinquencies or defaults, and allows banks to implement appropriate risk management strategies. Studying repayment patterns and default rates can refine lending practices and mitigate credit risks. Cooperative banks often serve underbanked or underserved communities, playing a crucial role in promoting financial inclusion. Studying retail loans in cooperative banks can provide insights into how they contribute to extending credit to individuals with less access to mainstream financial institutions. Analysing cooperative bank performance can gauge profitability, efficiency, and competitiveness, identifying areas for improvement and enhancing sustainability. Findings from a study on retail loans in cooperative banks can inform policymakers and regulators in designing frameworks that facilitate growth and stability while safeguarding borrowers' interests and ensuring financial stability.

Retail Loans, Banking Process

"ANALYSIS OF RETAIL LOANS AT THE SUCO BANK, BALLARI.", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.11, Issue 1, page no.20-23, January-2024, Available :http://www.jetir.org/papers/JETIRGB06004.pdf

"ANALYSIS OF RETAIL LOANS AT THE SUCO BANK, BALLARI.", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.11, Issue 1, page no. pp20-23, January-2024, Available at : http://www.jetir.org/papers/JETIRGB06004.pdf