There is a huge gap between the Co-operative, private and public sector banks. We still do not have a scenario where 100 per cent of people have bank accounts. That itself is a challenge.
The reach which this cooperative bank has is something which our private banks lack. That is an advantage for the cooperative banks where they can go to the remote parts and can open bank accounts for every citizen left out. Government has come out with schemes like Pradhan Mantri Jan Dhan Yojna, where every household should have a bank account.
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