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Cooperative banks now possess the capability of becoming a formidable competitive force in the savings and consumer credit sectors of the financial marketplace all over the world. Their unique history is not well recognized. The roots of the cooperative credit movement lie in the more general cooperative movement in Germany during the 1840s. The economic crisis of the 2008s gave additional impetus to the cooperative movement in general and to urban cooperative banking in particular. Deposits in cooperative banks have grown faster than deposits in commercial banks in U.S.A., Dominica, Lithuania and Canada in recent years. Cooperative banks have experienced a lower failure rate than commercial banks The major policy initiatives in the UCB sector in the recent past include implementation of the Vision Document 2005.The Reserve Bank of India (RBI) has introduced vision document with the purpose of remain the viable and the exit of non-viable UCBs. The earlier studies related to the urban banking sector is based on differentiating between the performance of pre-reform (i.e. before 1991) and the post-reform periods only.From this angel the study has assumed special significance.