Abstract Co-operative banks play a vital role as it established to provide financial service to rural masses in India. They have established with the motive of financial inclusion and upliftment of rural economy. They play significant role in the social and economic development of India. This paper focused on structure, growth and performance co-operative banks, to identify the problems faced by them and to give suggestion to improve financial position of co-operative banks. The data has been collected from various annual reports of SCB, DCCB and PACS. The statistical tools have been used are for the data analysis are percentage, percentage change, co-efficient of variance, Compound annual growth rate and graphs etc. The study will help will help to the policy makers in their efforts to improve the working performance of Co-operative banks. To evaluate the performance of Co-operative banks some variables have been studies like numbers of braches, total deposit, productivity per staff and branch, percentage of overdue to demand, NPA and profitability etc. The result shows that they are facing the problems of high overdues more NPA, productivity per staff and branch is less due to which profitability of them is weak especially PACS are in losses The problem faced by co-operative banks are numerous but certain efforts need to take by these bank like focus need to give on recovery, training to staff to improve productivity and the government should give support them because they have potential to solve these problems