They introduced in the field of co-operative credit innovations Crop loan system credit for creditworthy framer and state partnerships, which were later on unhesitatingly adopted by commercial banks after their nationalization. The Maharashtra State Co-operative Bank provided institutional leadership to the co-operative credit movement in the country. The study of District Central Co-operative Banks (DCCB’s) in Maharashtra is unexplored area. Looking at the regional imbalance in the development of Vidharbha, the study is conducted to know the difference among pattern of deposits and lending in DCCB’s of five districts in Vidharbha region viz. Nagpur, Chandrapur, Gondia, Yeotmal and Amravati.