The membership in large co-operative societies is composed of heterogeneous sub-groups, residing in different areas belonging to different social-economic strata and having different economic profiles. In such co-operatives the social cohesion of members, their feeling of group solidarity and their interest in active participation could be a casualty.
Multiplicity of credit delivery channels Thanks to the combined efforts of all stakeholders, commercial banks and regional rural banks in this country have started playing an important role in financial inclusion and financial literacy. Their outreach has also increased through banking correspondents (BCs).