DOI: 10.36347/sjebm.2014.v01i11.001

Pages: 532-538

An efficient management of advances of a bank will lead for earning more profit. So the study has been undertaken in the aspect of advances management of the selected UCBs. The study has selected four UCBs in Tamilnadu such as Sirkali, Chidambaram, Tiruvarur and Villupuram UCBs. Financial data were collected for ten year period from 2003-04 to 2012-13. The study found that the growth rate of total advances of Tiruvarur UCB was found high and it was found low for Villupuram UCB. Short term advances of Tiruvarur UCB increased at a substantial rate followed by Villupuram UCB. Medium term advances of Tiruvarur UCB increased over the study period, whereas it decreased for all other selected UCBs. It was observed that long term advances decreased over the study period for all the selected UCBs but the rate of decrease was found low for Chidambaram UCB. In case of interest income to total deposit ratio of Sirkali UCB stood at 20.462 and followed by Villupuram UCB 20.435 per cent. It can be concluded that the mean value of interest income to total advances ratio of both Sirkali and VillupuramUCB was better as compared to other selected UCBs and Chidambaram UCB had less mean ratio (12.007 per cent) but as compare with other selected banks Chidambaram UCB has more consistency in variation.