ROLE OF DISTRICT CENTRAL CO-OPERATIVE BANKS IN RURAL DEVELOPMENT IN MARATHWADA REGION

District Central Co-operative Banks (DCCBs) play a crucial role in the rural development of the Marathwada region by promoting financial inclusion and supporting agricultural and non-agricultural activities. These banks provide accessible credit to farmers, self-help groups (SHGs), and rural entrepreneurs, fostering economic growth and employment generation. By financing agricultural productivity, DCCBs help farmers invest in modern techniques, thereby increasing yields and ensuring food security. Additionally, they support rural enterprises by extending microfinance to SHGs, empowering women and marginalized communities. However, challenges such as limited resources, regulatory constraints, and technological gaps hinder their effectiveness. Strengthening DCCBs through policy reforms, digital banking initiatives, and capacity-building programs can enhance their impact on rural development. This paper examines the role of DCCBs in fostering socio-economic transformation in Marathwada, highlighting their contributions, challenges, and potential solutions for sustainable rural progress.