Banking business has done wonders for the world economy. The simple looking method of accepting money deposits from savers and then lending the same money to borrowers, banking activity encourages the flow of money to productive use and investments. This in turn allows the economy to grow. Co-operative banks generally provide their members with a wide range of banking and financial services. In India, the various levels of co-operative credit structure have been systematically arranged so that the members can easily assimilate the true spirit and working of the co-operative movement, particularly the practical part of this movement, it helps to raise productivity, enlarge employment and poverty reduction in rural areas. The study of the bank’s performance along with the lending practices provided to the customers is herewith undertaken. This article highlights lending operations of co-operative central bank in Visakhapatnam.