A STUDY ON THE WORKING PERFORMANCE OF THE TAMILNADU STATE APEX CO- OPERATIVE BANK LTD (TNSCB) Dr.P.KALAI SELVI Asst.Professor, Department of Co-operation, The Quaide Milleth College for Men, Medavkakam, Chennai -100 Tamilnadu, India -600 100. Email : kalaimohanraj@gmail.com ABSTRACT: The Co-operative societies in India in fact are playing multifunctional role in both rural as well as urban areas for the betterment of the people which is functioning on three tier basis. There are primary credits societies working at village level, Central Co-operative Banks are working at the district level and at State level there is a State Co-operative bank. The Tamil Nadu State Apex Cooperative Bank is working as pivot at the apex level of three tier cooperative credit structure in the State. The Bank acts as banker’s bank to the co-operative banks. It provides the connecting link between money market, and cooperatives and NABARD. It acts as a financial center of all cooperative banks and other societies in the State. The TNSC Bank plays an important role in the mobilization and lending of resources to agriculture and allied activities in Tamil Nadu. The study makes an attempt to evaluate the financial health and to identify overall performance of Tamilnadu State Cooperative Apex Bank for the period of 12 years from 2006-2007 to 2017-2018 through descriptive statistics of some selected financial indicators such as Share Capital, Reserves, Deposits, Borrowings, Loans , Investments and working results. KEYWORDS : Apex Bank, Co-operatives, Working Performance, Credit Co-operatives. INTRODUCTION: The Cooperative Banks functioning in Tamil Nadu are fulfilling the credit requirements of the farmers, weavers, rural artisans, consumers of urban area. These institutions are known as Cooperative Credit Institutions. The Coop. institutions are functioning under two category. They are: long-term coop. credit institutions, short-term coop. credit institutions. The coop. credit institutions functioning under short-term credit structure are of three-tier in nature. At the grass root level, the Primary Agricultural Coop. Banks (PACBs) are functioning at village level. At the district level, the Central Coop. Banks (CCBs) are functioning with the headquarters at district capital and their branches in various places of the districts concerned. At the apex level, the Tamil Nadu State Apex Coop. Bank Ltd.,(TNSC Bank) is functioning at Chennai which co-ordinates the entire short- term coop. credit structure. The Tamil Nadu State Apex Co-operative Bank Ltd., commenced its business during November 1905 as an Urban Coop. Bank. It was subsequently changed into a District Central Coop. Bank during July 1920. Journal of Interdisciplinary Cycle Research Volume XII, Issue I, January/ 2020 ISSN NO: 0022-1945 Page No:57