(Per cent of gross advances)

Year (end-March)

Urban Co­operative Banks
(UCBs)

Rural Co-operative Banks

Short-term structure

Long-term structure

StCBs

DCCBs

PACS

SCARDBs

PCARDBs

1

2

3

4

5

6

7

1994-95

13.9

33.9

1995-96

13.0

34.7

1996-97

13.2

34.9

1997-98

11.7

12.5

17.8

35.3

18.6

16.5

1998-99

11.7

12.6

17.8

35.0

19.2

16.1

1999-00

12.2

10.7

17.2

35.4

18.7

20.0

2000-01

16.1

13.0

17.9

34.9

20.5

24.3

2001-02

21.9

13.4

19.9

32.5

18.5

30.2

2002-03

19.0

18.2

21.2

37.9

20.9

33.8

2003-04

22.7

18.7

24.0

36.8

26.7

35.8

2004-05

23.2

16.3

19.9

33.6

31.3

31.9

2005-06

18.9

16.8

19.7

30.4

32.7

35.6

2006-07

18.3

14.2

18.5

26.9

30.3

35.4

2007-08

15.5

12.8

20.5

36.6

34.5

53.7

2008-09

13.3

11.8

18.0

44.8

31.3

39.9

StCBs : State Co-operative Banks
DCCBs : District Central Co-operative Banks
PACS : Primary Agricultural Credit Societies
SCARDBs : State Co-operative Agriculture and Rural Development Banks
PCARDBs : Primary Co-operative Agriculture and Rural Development Banks
Note :  1. Data for 2007-08 and 2008-09 are provisional.
2. Data on short-term structure NPAs of PACS represents percentage of overdues to demand.
3. Prudential norms were made applicable to the UCBs since 1992-93, the StCBs and DCCBs since 1996-97 and SCARDBs and PCARDBs since 1997-98.
Source : Reserve Bank for UCBs and NABARD for Rural Co-operative Banks (excluding PACS for which the source is NAFSCOB).