Q.Explain any four sources of funds of a District Central Co-operative Bank.

A DCCB draws on both its own resources and money raised from the societies below and the institutions above.

A District Central Co-operative Bank raises its funds from several sources, of which four important ones are:

1. Share capital — The largest part comes from its member societies, each of which subscribes to shares; a society that borrows usually holds shares in proportion to the loan taken. Individuals, and in some cases the State Government, may also contribute. Share capital gives the bank its foundation capital.
2. Reserve fund and other reserves — A part of every year's profit is carried to a reserve fund (and other reserves), strengthening the bank's finances and enabling it to absorb future losses.
3. Deposits — A major source, coming from the member societies (which keep their surplus funds with the DCCB) and from individuals and the general public, in the usual forms of current, savings, fixed and recurring deposits. …

Give a balanced answer with both owned and borrowed sources. Do not forget the two sources special to the DCCB's middle position — the societies' deposits and shar …