the kalupur comm. co. op. bank banking service gujarat ...€¦ · the ahmedabad dist. co-op. bank...

BANKERS :

Reserve Bank of India

State Bank of India

The Gujarat State Co-op. Bank Ltd.

The Ahmedabad Dist. Co-op. Bank Ltd.

Bank of Baroda

Dena Bank

Corporation Bank

Union Bank of India

UCO Bank

Central Bank of India

H.D.F.C. Bank Ltd.

I.C.I.C.I. Bank Ltd.

The Karur Vysya Bank Ltd.

IDBI Bank Ltd.

Yes Bank Ltd.

Axis Bank Ltd.

Kotak Mahindra Bank Ltd.

Indusind Bank

R.B.L. Bank

D.C.B. Bank

Bandhan Bank

IDFC Bank

AU Small Finance Bank

Punjab & Sind Bank

Est. on : 5-12-1970

Banking Lic. No. ACD-GJ-161 P Dt. 27-10-1979(Under B.R. Act, 1949 Reserve Bank of India)

Reg. No. MSCS/CR/54/95 Dt. 8-9-1995(Under M.S.C.S Act, 1984)

Scheduled Banks’ status : 01-09-1988

PAN : AAAAT9360R

TAN : AHMK00480E

GSTIN No. : 24AAAAT9360R1ZT (Gujarat)

GSTIN No. : 27AAAAT9360R1ZN (Maharashtra)

Head Office : ‘KALUPUR BANK BHAVAN’,

Near Income Tax Circle, Ashram Road,

Ahmedabad-380 014.

Phone : 27582020 to 27582026

Fax : 079-27544450, 27582033

E-mail : [email protected]

Website : www.kalupurbank.com

Toll Free No. : 1800 233 99999

BANKERS FOR

FOREIGN EXCHANGE BUSINESS

COMMERZ BANK - A.G. FRANKFURT

HABIB AMERICAN BANK - N.Y., USA

STATUTORY AUDITORS :

• R. S. PATEL & CO.

CHARTERED ACCOUNTANTS

LEGAL ADVISORS :

• RAMANLAL M. SHAH & CO. - ADVOCATE

• RAMANLAL M. SHAH & CO. - CIVIL

• R. M. SHAH & ASSOCIATES

• K. J. JADEJA & CO., ADVOCATE

• NANAVATI ASSOCIATES

th48 Annual Report

2017-2018

THE KALUPUR COMMERCIAL CO-OP. BANK LTD.

Shri Navnitbhai Chimanlal Patel

Chairman

Shri Mineshbhai Jashbhai Patel

Vice Chairman

Shri Ambubhai Maganbhai Patel

Chairman Emeritus

Shri Percy Faramroj Bharucha

Managing Director

©e LkðLkeík¼kR [e{Lk÷k÷ Ãkxu÷[uh{uLk

©e {eLkuþ¼kR sþ¼kR Ãkxu÷ðkRMk [uh{uLk

©e ytçkw¼kR {økLk¼kR Ãkxu÷[uh{uLk-yu{urhxMk

©e ÃkhMke yuV. ¼Y[k{uLkuStøk rzhuõxh

Shri Dr. Dineshbhai Manibhai Amin

Shri Bipinchandra Ratilal Shah

Shri Khodabhai Kalidas Patel (Upto 17-4-2018)

Shri Kiritbhai Rambhai Patel (From 17-4-2018)

Shri Kaushikbhai Nandubhai Patel (CA)

Shri Bhalabhai Chhotabhai Patel

Shri Hasmukhbhai Gopaldas Patel

Shri Ambarbhai Jayantilal Patel

Shri Shaileshbhai Valjibhai Sonara

Smt. Purviben Anantanand Pokhariyal

Smt. Madhviben Tusharbhai Patel

Vinod G. DadlaniGeneral Manager & CEO

Mahendrabhai R. PatelExecutive Secretary to Board

Apurva J. PatelDy. General Manager

Sukumar K. PatelHead of Department-Credit

Sirajuddin G. SiddiquiHead of Department - I.T.

Pareshbhai J. DaveAsst. General Manager

Vinayak J. PatelAsst. General Manager

Pankajbhai R. ParikhAsst. General Manager

Tejendra L. PatelAsst. General Manager

Rakeshbhai B. PatelAsst. General Manager

Chetan A. PatelAsst. General Manager

Pratik A. DesaiAsst. General Manager

Kiran P. PandyaAsst. General Manager

Anil M. ShrimaliAsst. General Manager

Samir B. PandyaAsst. General Manager

Nandkishore U. GoswamiSenior Executive

Himmatbhai K. ShahSenior Executive

Dhimant Roy TurkhiaSenior Executive

Kamlesh B. DaveSenior Executive

Deepakbhai I. NanavatiAsst. General Manager

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02


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çkkuzo ykuV rzhuõxMko Board of Directors

rzhuõxMko Directors

ðrhc yrÄfkhe øký Executives

03

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rðLkkuË S. ËkË÷kýesLkh÷ {uLkush yuLz Mke.E.yku.

y{ËkðkËíkk. 07.06.2018

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th48 Annual Report 2017-2018

NOTICE

Notice is hereby given to all the members of bank that 48th Annual General Body Meeting of members of the Bank

will be held on 29th June 2018, Friday at 4.00 p.m. at J.B. Auditorium, Ahmedabad Management Association,

Atira Campus, Dr. Vikram Sarabhai Marg, Ahmedabad – 380 015, to transact the following business.

(1) To read and approve the minutes of General Body Meeting held on 06.06.2017.

(2) To consider and adopt the report of Board of Directors, the Audited Balance Sheet; Profit and Loss Account,

and Statutory Auditors report for the year 2017-18 and approve budget for the year 2018-19.

(3) To approve appropriation of profit and declare dividend as recommended by the Board of Directors.

(4) To appoint Statutory Auditors for the year 2018-19. The Board of Directors recommends appointment of M/s

R.S. Patel & Co, Chartered Accountants, to carry out Statutory Audit of the bank.

(5) To ratify the recommendation of Board of Directors for write off and waiver in NPA accounts as per the powers

given by General Body.

(6) To take note of approval/ rejection of amendments of Bank’s Bye laws by Central Registrar of Co Operative

Societies, New Delhi, which were approved by Bank’s Annual General Body Meeting for the year 2016-17 held

as on 06.06.2017.

(7) To take note of approval received from Reserve Bank of India vide their letter Dated: 10.05.2018 for merger of

Siddhi Co- Operative Bank Ltd., Ahmedabad with our bank. Draft scheme of merger of Siddhi Co- Operative

Bank Ltd with our bank was approved in Annual general meeting held on 06.06.2017.

(8) Any other matter with the approval of Chairman.

By the order of Board of Directors

Vinod G. Dadlani

General Manager & CEO

Ahmedabad

Dt: 07.06.2018

04

Note:

(1) If the meeting is adjourned for want of quorum, it will be held on the same day at the same place after

half an hour, which will be considered legal and business of the meeting will be conducted as per the

agenda.

(2) Please bring your membership card for attending the meeting. Only members will be permitted to attend

the meeting.

(3) Members desirous of obtaining additional information regarding Balance Sheet and Profit & Loss

accounts, are requested to send their written request to Bank, four days in advance from the date of

Annual General Body Meeting. Copies of Annual Report are available at bank’s branches as well as on

Bank’s website www.kalupurbank.com.

(4) Dividend for the year 2017-18 will be credited to the accounts of the members after approval by the

Annual General Body Meeting, from 16.07.2018 onwards.

(5) As obtention of KYC related documents of members has been made compulsory by Reserve Bank

of India, dividend will be paid only to those members who have furnished KYC related documents

for their shareholding as well as Savings/ current accounts.

(6) Members who have not done nomination are again requested to invariably make nominations.

(7) As per Bank’s Bye-laws and 97th amendment in the Constitution of India, Members of bank are required

to avail atleast one service of our bank. Members / member firms are therefore requested to open

savings/current account with our bank to facilitate payment of dividend.


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LkkýktfeÞ ¼tzku¤ (IMF) îkhk ònuh fhðk{kt ykðu÷k

yktfzkyku «{kýu, ¼khíkLke «òLke ¾heËþÂõík GDP Lkk

«{ký{kt, 126 Lkk ¢{u ÃknkU[e Au. rðï çkUf îkhk sýkððk{kt

ykÔÞwt Au fu ¼khík{kt ¾kLkøke hkufký, ð»ko 2018-19

Ëhr{ÞkLk 8.8 xfkLkk Ëhu ðÄðkLke þõÞíkk Au suÚke ËuþLkk

GDP {kt ðÄkhku ÚkðkLke «çk¤ þõÞíkk Au.

ð»ko 2018-19 Lkk fuLÿeÞ çksux{kt øk]nrLk{koý, økúk{ yÚkoíktºk,

¾uíkeðkze, ykhkuøÞ, {k¤¾kfeÞ MkwrðÄkyku yLku þiûkrýf

MkwrðÄkyku{kt MkwÄkhkyku fhðk WÃkh ¾qçk s ¼kh {qfðk{kt

ykÔÞku Au. Ëuþ{kt ¾uzqíkkuLke ykðf, ð»ko 2022 MkwÄe{kt çku økýe

fhðk {kxu ¼khík Mkhfkh MktfÕÃkçkØ Au. huÕðu yLku hkuz

hMíkkykuLkk rðfkMk {kxu çksux{kt y¼qíkÃkqðo Vk¤ðýe fhðk{kt

ykðe Au. ¼khík Mkhfkh îkhk Y>.60,000/- fhkuzLkk LkuþLk÷

yçkoLk nkWMkªøk VtzLke h[Lkk fhðk{kt ykðe Au. suLkk Ãkrhýk{u

Ëuþ{kt øk]nrLk{koýLke fk{økeheLku ¾qçk s ðuøk {¤þu. «ÄkLk{tºke

økúk{ Mkzf ÞkusLkk yLðÞu Y>. yuf ÷k¾ fhkuz sux÷e hf{

ð»ko 2018-19 Ëhr{ÞkLk ¾[oðk{kt ykðu yuðe Mkhfkhe ÞkusLkk

Au suLkk Úkfe hkuz hMíkkykuLkk çkktÄfk{{kt ðuøk ykðþu.

øk]nrLk{koýLke «ð]r¥kÚke Mke{uLx, Mxe÷ WãkuøkLku ðuøk {¤þu,

íkuLke MkkÚku yk ûkuºk ¾qçk {kuxe MktÏÞk{kt hkusøkkhe Ãkqhe Ãkkzíkw

ûkuºk nkuðkÚke þnuhe yLku yÄoþnuhe rðMíkkh{kt ¾qçk {kuxe

hkusøkkheLkwt MksoLk fhþu ßÞkhu Mkzf ÞkusLkkÚke økúkBÞ

rðMíkkh{kt hkusøkkheLkwt rLk{koý Úkþu. yk{ çktLku ÞkusLkkykuLkk

y{÷Úke ÷kufkuLke ykðf{kt ðÄkhku Úkþu. yk WÃkhktík {uzef÷

MkuõxhLku ðuøk ykÃkðk {kxu {uzef÷ RLMÞkuhLMk îkhk 10 05


fhkuzÚke ðÄkhu ÃkrhðkhkuLku Y>.5 ÷k¾ MkwÄeLkwt RL~ÞkuhLMk

fðhus ÃkwY ÃkzðkLke MkhfkhLke ÞkusLkk Au. Ëuþ{kt ÚkÞu÷k

ykŠÚkf MkwÄkhkykuLku Ãkrhýk{u ¼khík MkhfkhLke huðLÞw 2018-

19Lkk ytíku Y>.28 Úke 30 rxÙr÷ÞLk ÃknkU[u íkuðe ykþk Au.

¼khík MkhfkhLke Make in India yLku Digital India suðe

ÞkusLkkykuLkk V¤ MðYÃku MktÏÞkçktÄ rðËuþe ftÃkLkeyku ¼khík{kt

ykðe hne Au. yk{ ÚkðkÚke ykÃkýk ËuþLke WíÃkkËLk ûk{íkk{kt

ðÄkhku Úkþu. ¼khík MkhfkhLkk Mk½Lk «ÞíLkkuÚke rzSx÷

RL£kMxÙõ[h, rzSx÷ Mkuðkyku yLku rzSx÷ Mkkûkhíkk{kt

ðÄkhku Úkþu. yk{ ykøkk{e Ëþ ð»ko{kt, ðiïefhý,

rzSx÷kRÍuþLk, ykŠÚkf MkwÄkhkyku yLku yLkwfq¤

zu{kuøkúkrVõMkLkk V¤ MðYÃku ykÃkýku Ëuþ «økríkLke nhýVk¤

¼hþu yLku «òsLkkuLkk SðLk Äkuhý{kt LkkUÄÃkkºk MkwÄkhku Úkþu.

yuðe yk MkwÄkhkykuLke nfkhkí{f yMkh çkU®føk Wãkuøk Ãkh

Ãký Ãkzþu.

çkU®føk ûkuºku ykðe hnu÷ VuhVkh :

ykÃk{ktÚke ½ýk ðkt[íkk nþku íku «{kýu rhÍðo çkUf ykuV

RÂLzÞkyu yk ð»koLke LkkýktfeÞ Lkerík yLkwfw¤

(Accomodative) Úke ð÷ý çkË÷eLku Úkkuze fzf hk¾e Au.

íkÚkk ð÷ý íkxMÚk hk¾u÷ Au, suLkk fkhýu nðu ÃkAe rhÍðo çkUf

ykuV RÂLzÞk huÃkkuhux{kt ðÄkhku fhu yuðk yuûkÃkxo ykuÃkeLkeÞLk

Au.

ËuþLke çkUfku{kt NPA ÚkÞu÷ ¾kíkkyku{kt sYhe hefðhe íkÚkk

fux÷ef çkUf{kt Úkíke økuhheríkyku yLku yLÞ «fkhLke çkU®føk

Mk{MÞkyku Insolvency and Bankruptcy Code (IBC) nuX¤

÷kððk{kt ykðe Au. ¼khík Mkhfkh/rhÍðo çkUf ykuV RÂLzÞk

îkhk, Ãktòçk LkuþLk÷ çkUf{kt LOU/LOI «fkhLkk rÄhkýLke

Vk¤ðýe{kt {kuxe hf{Lkwt fki¼ktz ÃkfzkÞwt Au. íkuÚke ykðk

«fkhLkk rÄhký Mkk{u sYhe {køkoËŠþfk yLku «ríkçktÄ rhÍðo

çkUf ykuV RÂLzÞk îkhk {wfðk{kt ykðu÷ Au. yk WÃkhktík

SWIFT ykuÃkhuþLkLku Ãký CBS MkkÚku Mkktf¤ðkLkwt sýkððk{kt

ykÔÞwt Au, yLku SWIFT {uMkus {k¤¾køkík heíku {kuf÷ðkLkwt

òýðk{kt ykðu÷ Au. yk WÃkhktík rhÍðo çkUf ykuV RÂLzÞkyu

Ëhuf çkUfLku ÃkkuíkkLke MkeMx{ yLku «r¢Þkyku íku{s ðrnðxe

{k¤¾w Mkh¾wt fhðk sYhe Mkw[Lkkyku ykÃku÷ Au.

çkUfku îkhk yÃkkÞu÷k rÄhký{kt rçkLkWÃkòW rÄhký{kt ÚkÞu÷ku

y¼qíkÃkqðo ðÄkhku, {qze ÃkÞkoÃíkíkkLkkt ô[k {kÃkËtz yLku y{qf

{kuxe çkUfLke ðneðxe ¾k{eykuLkk fkhýu çkUfkuLke {qze{kt

LkkUÄÃkkºk ½xkzku ÚkÞku Au yLku íku{Lkk þuhLke çkwf ðuÕÞw{kt ½ýkus

½xkzku ÚkÞku Au. suÚke ykðe çkUfku {qze çkòh{kt «ðuþe þfíke

LkÚke. ykÚke Mkhfkhu yu{Lku Srðík hk¾ðk {qze ykÃkðe Ãkzu íku{

Au. Ãkhtíkw Mkhfkhu yu æÞkLk hk¾ðwt Ãkzþu fu yÃkkÞu÷e {qzeLkku

fkÞoûk{ WÃkÞkuøk ÚkkÞ. rhÍðo çkUf ykuV RÂLzÞkyu 11 ÃkÂç÷f

MkuõxhLke çkUfkuLku “Prompt Corrective Action” (PCA) nuX¤

ykðhe ÷eÄu÷ Au, yLku íku{Lke rÄhkýLke «ð]r¥kyku WÃkh ytfwþ

{qfu÷ Au. MkhfkhLku y{khe yuðe rðLktíke Au fu ËuþLke yçkoLk

Mknfkhe çkUfkuLku Ãký sYhe {ËË fhu yLku íku{Lku Ãký

ÃkkuíkÃkkuíkkLkk ûkuºk{kt «økrík fhðk {kxu çk¤ yLku «kuíMkknLk ÃkqYt

Ãkkzu.

yuftËhu ykÃkýk ËuþLkk yÚkoíktºkLkwt yLku çkU®føk WãkuøkLkwt ¼rð»Þ

Wßsð¤ Au. ykÃkýe þk¾kykuLkk f{o[kheyku yLku {wÏÞ

f[uheLkk fkÞoÃkk÷fku Ãký ÞkuøÞ ykÞkusLk îkhk çkUfLkk MkðkOøke

rðfkMk {kxu Mk½Lk «ÞíLk [k÷w hk¾u yuðe yu{Lke ÃkkMkuÚke

yÃkuûkk hk¾eyu Aeyu.

sÞ Mknfkh,

LkðLkeík¼kR Mke. Ãkxu÷[uh{uLk

06


CHAIRMAN’S STATEMENT

Respected Members,

It gives me immense pleasure to welcome you to the

48th Annual General Body Meeting of our bank. Our

bank has completed 47 years of its glorious journey.

During this period our bank has made satisfactory

progress in all the spheres of banking activities and

established itself as a respectable urban co-operative

bank in India. The credit for this achievement goes to

the incessant co-operation extended by

Shareholders, Customers, Members of Board of

Directors, Branch Development Committee

members, well-wishers and members of staff. I

sincerely thank all of them. Before presenting the

report on the working of the bank during the year

under review, I would like to present my views on

economic scenario of our country and the changes

which took place in the banking sector in our

country.

Financial year 2017-18 has been a challenging year

for banking industry. Faith of common people in

banking industry has shaken due to surge in NPAs,

careless approach in sanctioning of large advances,

non-adherence of RBI guidelines, involvement of the

Top Executives / Staff etc. Despite tough competition

& challenges seen in the banking sector during the

year 2017-18, our bank has succeeded in

maintaining business mix of ` 10,000 crore plus.

Details of working of our bank activities are provided

in the report of Board of Directors.

Domestic Economy Scenario:

The Indian economy not only withstood the

aftershocks of demonetization announced in

November 2016 which was followed by GST

implementation in July 2017, but emerged as one of

the fastest growing economy of the world. It is

believed that within a span of 10-15 years, India will

be recognized as one of the five largest economies

of the World. After demonetization, there has been a

substantial rise of 26% in number of the Income Tax

payers, which has resulted into Income Tax revenue

of ` 9.95 lakh crore. As per renowned economist,

90% results of demonetization and GST are yet to

come. When country will get desired results, India

will be in the list of Top five wealthiest countries

within next 10 years., Our country has become

second largest producer of iron ore and third largest

in electricity generation in the world. During the year

2017-18, the GDP of the country stood at 6.6%

which is expected to reach to 7.3% in the year 2018-

19. Forex reserves of the country have reached to

USD 422.53 billion during the year 2017-18.

After a span of nearly 14 years, Our country’s rating

has been upgraded to Baa2 rating by Rating Agency

MOODY, which indicates a stable economy. As per

the latest data published by International Monetary

Fund (IMF), India has moved to 126th position

amongst world economy. According to the World

Bank report, it is expected that the private

investment during the year 2018-19 will grow at the

rate of 8.8%. All these factors, will result in growth of

GDP of our country.

In the Union Budget 2018-19, the Government has

laid huge emphasis on Housing Development, Rural

Economic growth, Agriculture, Health, Education and

basic amenities. The Government is committed to

double the income of the farmers of the country by

2022. In the budget, significant amount is allocated

for the development of Rail and road infrastructure

fund. Indian Government has provided ` 60,000

crore towards National Urban Housing fund for

development of Rural and Urban Housing. This will

give momentum to the Housing Development in the

country and will give thrust to Cement and steel

industries as well. It will also create more job

opportunities in Urban and semi urban areas. Under

Prime Minister Gram Sadak Yojana (PMGSY), nearly

` 1,00,000 crore will be spent for Financial year 2018-

19. This will give thrust to the road infrastructure and

will also create more job opportunities in rural areas.

Income of people will increase due to

implementation of these two schemes. Further

Government has introduced a scheme of providing

medical insurance of ` 5.00 Lakhs to more than 10

Crores families which will boost medical sector and 07


will increase productivity of citizens due to better

health amenities and running of Fit India campaign.

As a result of various economic reforms, there is a

high possibility that Government revenue will reach

between ` 28 to 30 Trillion by the end of the

financial year 2018-19.

As a result of the Indian Government’s programs like

“Make in India” and “Digital India”, many

international companies are establishing their

centers in India. This will increase productivity of the

country. Various efforts of the Indian Government

will result into improvement in Digital Infrastructure,

Digital Services and Digital Literacy. In the next 10

years, due to globalization, digitalization, economic

reforms and favourable demographics, our country

will progress by leaps and bounds and there will be

an evident change in the standard of living of the

citizen of the country. These changes will have

positive impact on banking industry as well.

Changes in the Banking Sector

You may be aware that RBI has changed Monetary

Policy stance from Accommodative to Neutral.

Therefore many Money Market experts are expecting

increase in Policy Rate in the future.

To enable banks to ensure fast recovery in NPA

accounts and to take control of business of

defaulters, Insolvency and Bankruptcy Code (IBC) has

been introduced. A huge amount of fraud has been

reported to have occurred in Punjab National Bank

against issuance of LOU/ LOI without proper

sanction as well as collaterals. Post PNB fraud, RBI

has issued various guidelines & put restrictions

against such type of finance. RBI has directed to

integrate SWIFT operations with CBS and has also

advised that SWIFT messages must be sent in

structured manner. RBI has directed all banks to

strengthen systems, procedures and Governance

structure.

Due to significant rise in the stressed assets,

requirement to maintain higher capital adequacy

norms and inefficiency in the administration of the

PSU banks, there has been a significant decrease in

share capital as well as book value of shares of some

of these banks. These banks are unable to raise

funds from Stock market and therefore Government

has to give funds to these banks for their

sustenance. However the Government will have to

ensure the effective use of the capital. RBI has put 11

banks under “Prompt Corrective Action” (PCA)

framework and imposed control over it. We urge the

Government to extend all necessary support to the

Urban Co-op Banks of the country to ensure their

steady progress.

Overall the future of Indian economy and the

banking industry in particular, is promising. We

expect all staff members to work hard for bright

future of our bank.

Jay Sahakar.

Navnitbhai C. Patel

Chairman

08


{kLkLkeÞ Mk¼kMkË ¼kRyku yLku çknuLkku,

ykÃkýe çkUfLkwt çkkuzo ykuV rzhuõxMko, íkk.31-3-2018 Lkk hkus

Ãkqhk ÚkÞu÷k ð»koLkk MkLku 2017-18 Lkk ðkŠ»kf rnMkkçkku,

MxuåÞwxhe ykurzxMkoLkku ykurzx rhÃkkuxo, çkUfu ð»ko ËhBÞkLk fhu÷e

«økrík yLku fk{økeheLkku 48{ku ynuðk÷ ykÃk Mk{ûk hsq fheLku

ykÃk MkðuoLku çkUfLke ðkŠ»kf MkkÄkhý Mk¼k{kt ykðfkhíkkt n»ko

yLku ykLktËLke ÷køkýe yLkw¼ðu Au.

ð»ko 2017-18 Ëhr{ÞkLk çkUfLkku fw÷ fkhkuçkkh

Yk.10399 fhkuz :

ð»ko Ëhr{ÞkLk ykÃkýe çkUfu, ÚkkÃký, rÄhký íku{s LkVkfkhfíkk

ûkuºku Mktíkku»kfkhf fk{økehe fhe Au. çkUfLkku fw÷ fkhkuçkkh ð»ko

2017-18 Lkk ytíku Y>.10399 fhkuzu ÃknkUåÞku Au.

þuh furÃkx÷, fw÷ ¼tzku¤ yLku {qze ÃkÞkoóíkk :

çkUfLke yrÄf]ík þuh furÃkx÷ Y>.125 fhkuz Mkk{u ¼hÃkkR

ÚkÞu÷e furÃkx÷ ð»kkOíku Y>.88.05 fhkuz Au su yøkkWLkk ð»ko

fhíkkt 0.80% ðÄkhu Au ßÞkhu Mk¼kMkËkuLke MktÏÞk 51712 Au.

çkUfLke 56 þk¾kyku Ãkife 37 þk¾kyku ð»kkOíku Y>.100/-

fhkuzLkk fkhkuçkkhLku yktçke økR Au. su Ãkife 17 þk¾kykuyu

Y>.200 fhkuzÚke ðÄkhu fkhkuçkkh fÞkuo Au. 25 þk¾kyku yuðe

Au fu su{Lke Y>.100 fhkuzÚke ðÄw hf{Lke ÚkkÃkýku Au yLku 6

þk¾kykuyu Y>.100 fhkuzÚke ðÄw hf{Lkwt rÄhký fhu÷ Auu.

yk©{hkuz þk¾k Y>.675 fhkuzLke ÚkkÃkýku MkkÚku «Úk{ Lktçkhu

Au. ßÞkhu yuMk.yu{.R. yuLz {ez fkuÃkkuohux þk¾k Y>.1005/-

fhkuzLkk rÄhký MkkÚku «Úk{ Lktçkhu Au.

yk ík{k{ þk¾kykuLkk yrÄfkheyku yLku f{o[kheykuLku çkkuzo

ykuV rzhuõxMko yr¼LktËLk ÃkkXðu Au.

ykÃkýe çkUf{kt su Mk¼kMkËkuyu KYC LkkuBMko {wsçkLkk Ãkwhkðk

çkUfLkk ðkŠ»kf ynuðk÷ îkhk, Ãkºkku îkhk, çkUfLkk LkkuxeMk çkkuzo

îkhk yLku LÞwÍÃkuÃkh îkhk ònuhkík ykÃkðk Aíkkt çkUfLku Ãkwhk

Ãkkzu÷ LkÚke yLku íku{Lkkt MkhLkk{kt Ãký WÃk÷çÄ LkÚke íku{Lkwt

çkkuzo ykuV rzhuõxMkoLkku ynuðk÷

{kÃkËtz ð»ko 2016-17 ð»ko 2017-18 ðÄkhku/½xkzku(%)

þuh furÃkx÷ 87.35 88.05 (+) 0.80

Mk¼kMkË MktÏÞk 53817 51712 (-) 3.91

yLkk{ík ¼tzku¤ 1017.34 1121.41 (+) 10.23

ÚkkÃkýku 6249.82 6495.90 (+) 3.94

rÄhkýku 4221.19 3903.39 (-) 7.53

hkufkýku (økðo.rMkõÞw.yLku çkUf ÚkkÃkýku MkkÚku) 2879.07 3473.26 (+) 20.63

ðfeOøk furÃkx÷ 7705.66 8102.13 (+) 5.15

[kuÏ¾ku LkVku 85.82 110.24 (+) 28.45

fw÷ ykðf 651.34 690.21 (+) 5.97

fw÷ ¾[o 504.07 498.26 (-) 1.15

¢uzex/rzÃkkuÍex hurþÞku 67.54% 60.09% (-) 11.03

Mke.ykh.yu.ykh. 16.88% 16.73% (-) 0.89

økúkuMk yuLk.Ãke.yu. 61.98 (1.47%) 70.56 (1.81%) (+) 13.84

Lkux yuLk.Ãke.yu. 0.00 0.00 -

çkUfLkk «økríkMkq[f yktfzk

(Yk. fhkuz{kt)

09


Mk¼kMkËÃkýwt hË fhíkk Mk¼kMkË MktÏÞk ½xe Au. ykÃkýe çkUf{kt

{so ÚkÞu÷ swËe swËe çkUfLkk Mk¼kMkËkuLku rLkÞík {ÞkoËk Mk{Þ{kt

rhÍðo çkUf ykuV RÂLzÞkLke økkRz÷kRLMk «{kýu KYC MktçktÄe

Ãkqhkðkyku hsq fhðkLkwt ÔÞÂõíkøkík Äkuhýu Ãkºk îkhk,

ðíko{kLkÃkºk{kt ònuhkík îkhk íkÚkk LkkuxeMk çkkuzo Ãkh LkkuxeMk îkhk

sýkðu÷ Aíkkt su Mk¼kMkËkuyu KYC ÃkqhkðkLke Ãkqíkoíkk fhu÷ LkÚke

íkuÚke íku{Lke çkkfe hnu÷e þuh{qze yLÞ sðkçkËkheyku{kt níke íku

fuÃkex÷ rhÍðo Vtz{kt s{k fhðk{kt ykðu÷ Au. WÄLkk MkexeÍLk

fku-ykuÃk. çkUfLkwt {soh ykÃkýe çkUf{kt ÚkÞu÷ Au. WÄLkk MkexeÍLk

fku-ykuÃk çkUf {soh Mk{Þu {kuxe ¾kux fhíke çkUf níke. rhÍðo çkUf

ykuV RÂLzÞk îkhk Mðef]ík yk çkUfLke {soh Mfe{ {wsçk

{sohÚke yuf ð»ko{kt yk çkUfLkk yLkhefðhuçk÷ yufkWLxTMk{kt

ykuðhzâw RLxhuMx Mkrník fw÷ Y>.Ãkkt[ fhkuzLke ðMkq÷kík ÚkkÞ íkku

s íku çkUfLkk Mk¼kMkËkuLku þuh{qze Ãkhík fhðe íku{ sýkðu÷ níkwt.

Ãkhtíkw yLkhefðhuçk÷ yufkWLxMk{kt {soh Mfe{Lke þhík «{kýu

hefðhe ykðu÷ LkÚke, suÚke {soh Mfe{ «{kýu íkuykuLke þuh{qze

yLÞ sðkçkËkheyku ¾kíku níke, íku çkUfLkk fuÃkex÷ rhÍðo Vtz{kt

s{k fhðk{kt ykðu÷ Au.

çkUfLkwt yLkk{ík ¼tzku¤ yøkkWLkk ð»ko fhíkkt 10.23% sux÷wt

ðÄeLku Y>.1121.41 fhkuzu ÃknkUåÞwt Au yLku çkUfLkku {qze ÃkÞkoóíkk

økwýku¥kh (Mke.ykh.yu.ykh) 16.73% ÚkÞku Au. ykÃk Mkðuo Mkt{ík

Úkþku fu yk økwýku¥kh rhÍðo çkUf îkhk yÃkurûkík 9% Lkk

økwýku¥khLke Mkh¾k{ýeyu ½ýku s Mkkhku Au.

yk{, þuh{qze{kt Mkíkík ð]ÂæÄ, çkUfLkwt Mk{]Ø yLkk{ík ¼tzku¤

yLku íku{kt W¥khku¥kh ðÄkhku íku{s íktËwhMík {qze ÃkÞkoóíkk

økwýku¥kh, çkUfLke MkæÄhíkkLke Mkkûke Ãkqhu Au.

ÚkkÃkýku : fw÷ ÚkkÃkýku ðÄeLku Y>.6495.90 fhkuz - 3.94% Lkku ðÄkhku :

ð»kkOíku ykÃkýe çkUfLke ÚkkÃkýku, økík ð»koLke Mkh¾k{ýeyu 3.94%

Lkk ðÄkhk MkkÚku Y>.6495.90 fhkuzu ÃknkU[e Au. ð»ko Ëhr{ÞkLk

rhÍðo çkUf ykuV RÂLzÞkyu ykuøkü - 2017 Lke Ãkku÷eMke{kt

0.25% huÃkkuhux{kt ½xkzku fh÷u níkku. suLku yLkwMkhe çkUfkuyu

ÃkkuíkkLke ÚkkÃkýku ÃkhLkk ÔÞks Ëh{kt ½xkzku fhu÷ níkku. suLkk fkhýu

ÚkkÃkýËkhku ÃkkuíkkLke rzÃkkuÍex WÃkkze BÞwåÞwy÷ Vtz{kt hkufký

fhðk ykf»kkoÞk níkk. Ãkrhýk{u çkUfkuLke rzÃkkuÍex ½xe níke. BÞw.

Vtz suðe LkkýktfeÞ ÞkusLkkyku{kt hkufký ðæÞw nkuðk Aíkkt ykÃkýe

çkUfLke ÚkkÃkýku{kt ðÄkhku ÚkÞku Au. çkUfLke CASA ÚkkÃkýku, ð»kkOíku

Y>.2039.56 fhkuz sux÷e níke su fw÷ ÚkkÃkýkuLkk 31.40%

sux÷e Au. çkkuzo ykuV rzhuõxMko yuðwt Mðefkhu Au fu çkUfLke

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yk ÚkkÃkýku ðÄkhðk çkkuzo yLku MxkV Mkíkík «ÞíLkþe÷ Au. ykðe

ÚkkÃkýku ðÄu íku {kxu çkUf ðÄw Lku ðÄw çk[ík/[k÷w ¾kíkkt ¾w÷u íku

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çkUf{kt 42766 Lkðk çk[ík ¾kíkkt yLku 4353 Lkðk [k÷w ¾kíkkt

¾ku÷ðk{kt ykÔÞkt Au. çkUf îkhk, r«r{Þ{ yLku r«ðe÷us íkÚkk

MÃku~Þ÷ «fkhLkkt çk[ík/[k÷w ¾kíkkyku{kt økúknfkuLku MkuðkËh{kt

rðþu»k hkník ykÃkðk{kt ykðu Au.

çkUf {kuçkkR÷ çkU®føk Mkuðk, RLxhLkux çkU®føk Mkuðk, rLk:þwÕf

zurçkx fkzo, fuLÿ MkhfkhLke rðrðÄ ðe{k ÞkusLkkyku, yLÞ

xufLkku÷kuS MkÃkkuxuoz Mkuðkyku ykÃku Au suÚke ðÄwLku ðÄw økúknfku

çkUf MkkÚku òuzkR hÌkk Au. çkUf ©uc MíkhLke økúknf MkuðkLku Ãký

¾qçk s «kÄkLÞ ykÃku Au. çkUfLkk ík{k{ Mk¼kMkËku yLku

þw¼uåAfku çkUfLkk økúknf ðøko{kt ðÄkhku fhðk Mknfkh ykÃku

íkuðe çkkuzo ykuV rzhuõxMko rðLktíke fhu Au.

rhÍðo çkUf ykuV RÂLzÞkLke Mkq[Lkk yLkwMkkh, çkUfLke ÚkkÃkýku Ãkh

rzÃkkuÍex RLMÞkuhLMk yLku ¢urzx økuhtxe fkuÃkkuohuþLkLku (DICGC)

[qfððkÃkkºk Úkíkwt r«r{Þ{, çkUf îkhk rLkÞr{ík heíku [qfððk{kt

ykðu Au.

rÄhkýku : fw÷ rÄhký Y>.3903.39 fhkuz :

çkUfLke fux÷ef þk¾kykuyu rÄhký ð]ÂæÄ {kxu fhu÷k Mk½Lk

«ÞkMk ykðfkhËkÞf Au.

ð»ko 2016-17{kt {wtçkR ÂMÚkík fk÷çkkËuðe yLku ytÄuhe

þk¾kykuyu yu÷.Mke.rzMfkWLx rÄhký Y>.924.93 fhkuz fhu÷

níkwt. su ð»ko 2017-18{kt ½xkzeLku yk «fkhLkwt rÄhký Y>.

81.40 fhkuzu hnu÷ Au. nk÷Lkk Mktòuøkku{kt yu÷.Mke.çkeÕMk

rzMfkWLxªøk «fkhLkk rÄhký{kt hnu÷ heMfVuõxh yLku ykuAw

ð¤íkhLku æÞkLk{kt hk¾e yk xqtfk økk¤k «fkhLkk rÄhkýLke

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Au. yu÷.Mke.çkeÕMk rzMfkWLxªøk rMkðkÞLkw t rÄhký

íkk. 31-03-2017 Lkk hkus Y>. 3296.26 fhkuz níkwt. íku ðÄeLku

íkk. 31-03-2018Lkk hkus Y>. 3821.99 fhkuz ÚkÞwt. su

15.95% ðÄkhku Ëþkoðu Au. suÚke çkUfLkk fuþ¢uzex yLku ÷kuLk

rÄhký{kt LkkUÄÃkkºk ðÄkhku ÚkÞu÷ Au. yk{ yu÷.Mke.çkeÕMk

rzMfkWLx rÄhký{kt Y>. 843.53 fhkuzLkk ½xkzk Aíkkt çkUfLkwt

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ð»koLkk rÄhký Y>. 4221.19 fhkuzLke Mkh¾k{ýeyu LkSðku

½xkzku Ëþkoðu Au.

10


çkU®føk ûkuºkLkk «ðíko{kLk MktòuøkkuLku fkhýu rÄhký{kt ÚkÞu÷

LkSðk ½xkzkLku ÷eÄu çkUfLkku ¢urzx rzÃkkuÍex økwýku¥kh 60.09%

sux÷ku ÚkÞku Au, su yøkkWLkk ð»kuo 67.54% sux÷ku ô[ku níkku.

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«ÞíLkku ð»koLke þYykíkÚke s þY fhe Ëuðk{kt ykÔÞk Au. yk

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f{o[kheyku, økúknfku yLku çkkuzoLkk ykðk «ÞkMkkuÚke, çkUfLkk

rÄhký{kt Mkkhku yuðku ðÄkhku ÚkðkLke yÃkuûkk Au.

çkUf îkhk Úkíkk ík{k{ «fkhLkk rÄhkýku{kt ¾qçk s MÃkÄkoí{f

yLku ½xkzu÷k ÔÞks Ëhku hk¾ðk{kt ykÔÞk Au suLkku ÷k¼ ½ýk

çkÄk økúknfkuLku {¤u Au. ykÃkýk Ëuþ{kt MSME ûkuºk ykŠÚkf

rðfkMk{kt yLku hkusøkkhe MksoLk{kt ½ýwt s ÞkuøkËkLk ykÃku Au.

yux÷u MSME ûkuºku rÄhký{kt ð]ÂæÄ Úkíke hnu íku {kxu yk ûkuºkLkk

WãkuøkfkhkuLke ¾kMk r{xªøkku Þkusðk{kt ykðu Au. íkËTWÃkhktík

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nkWMkªøk rÄhký Ãký ¾qçk s MÃkÄkoí{f Ëhu yÃkkÞ Au. yk

rMkðkÞ ík{k{ «fkhLkkt rhxu÷ rÄhký Ãký çkU®føk Wãkuøkûkuºku

«ðíko{kLk ÔÞksËhkuLke íkw÷Lkk{kt ¾qçk s ykf»kof Ëhu yÃkkÞ Au.

AuÕ÷kt fux÷ktf ð»kkuoÚke Ëk¾÷ fhkÞu÷e ¢urzx hu®xøk «Úkk

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ykÃkðk{kt ykðu Au. yk ÞkusLkk{kt ðÄw MkwÄkhk fhe íkuLku ðÄw

økúknfkuÃkÞkuøke çkLkkððk{kt ykðe hne Au. rÄhkýLke fk{økehe

fhíkk þk¾kykuLkk f{o[kheyku, {wÏÞ f[uheLkk yrÄfkheyku,

{kfuoxªøk rð¼køkLkk yrÄfkhe íkÚkk çkkuzo ykuV rzhuõxMkoLkkt

MkÇÞku, rÄhký yhSykuLkk {qÕÞktfLk{kt r[ðxÃkqðof fk{økehe

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NPA Lk ÚkkÞ íku {kxu Mk½Lk «ÞkMkku [k÷w s hnuþu. çkUfLkwt çkkuzo

ykuV rzhuõxMko yk fk{økehe fhíkk MkðuoLku yr¼LktËLk ÃkkXðu Au.

«kÞkuhexe MkuõxhLkwt rÄhký :

rhÍðo çkUf ykuV RÂLzÞkLke Mkq[Lkk «{kýu, çkUfkuyu íku{Lke

yuzsMxuz Lkux çkUf ¢urzxLkk 40% sux÷wt rÄhký «kÞkurhxe

Mkuõxh{kt, su Ãkife 10% rÄhký Lkçk¤k ðøkkuoLku fhðkLkwt nkuÞ Au.

íkËT yLkwMkkh, ð»ko 2017-18 Lku ytíku ykÃkýe çkUfLkwt «kÞkurhxe

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níkwt. Lkçk¤k ðøkkuoLku ÚkÞu÷wt rÄhký 6.31% Au, su yøkkWLkk ð»kuo

6.45% níkwt. çkUf yk ûkuºkku{kt rÄhký ðÄkhðk Mk½Lk «ÞkMkku fhu

Au.

Lkçk¤k ðøkkuoLku fhu÷ rÄhký ðÄkhðk {kxu çkUf îkhk {kR¢ku

¢uzex zeðeÍLk W¼wt fhðk{kt ykÔÞwt Au. yk WÃkhktík y{ËkðkË{kt

çkkÃkwLkøkh, rLkfku÷, {uBfku, ðkzs íkÚkk Mkwhík{kt WÄLkk

WãkuøkLkøkh {kR¢ku¢uzex MkuLxh W¼k fhðk{kt ykðu÷ Au. yk

WÃkhktík Lkçk¤k ðøkkuoLkk ÷kufkuLku ½h yktøkýu çkU®føk Mkuðkyku

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çknuhk{Ãkwhk, {swhøkk{, Ëkýe÷e{zk, ÃkherûkíkLkøkh, ¼wËhÃkwhk

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yu{yuMkyu{R ûkuºkLkwt rÄhký :

ykÃkýk Ëuþ{kt yu{yuMkyu{R ûkuºkLke hkusøkkhe ðÄkhðkLke

ûk{íkkLku æÞkLk{kt ÷R, yk ûkuºkLkk rðfkMk {kxu rÄhký ð]ÂæÄLku

Mkhfkh yLku rhÍðo çkUf îkhk yrøkú{íkk ykÃkðk{kt ykðu Au.

ykÃkýe çkUf Ãký yk ûkuºk{kt ðÄwLku ðÄw rÄhký ÚkkÞ íku {kxu

þõÞ çkÄk s ík{k{ «ÞkMk fhu Au. çkUf îkhk yk ûkuºk{kt

rÄhký ð]ÂæÄ {kxu ykiãkurøkf rðMíkkhku{kt ykðu÷e 14

þk¾kykuLku ÃkMktË fhðk{kt ykðe Au. ð»kkOíku çkUfLkwt yk ûkuºk{kt

rÄhký ÷øk¼øk Y>.1473 fhkuzu ÃknkuåÞwt Au. yk ûkuºk{kt rÄhký

ð]ÂæÄ ÚkkÞ íku {kxu Mk½Lk «ÞíLkku fhðk{kt ykðu Au yLku

þk¾kyku{kt fMx{h{exLkwt ykÞkusLk fhðk{kt ykðu Au yLku

yk{ktÚke su Mkq[Lkku {¤u íkuLkku yÇÞkMk fhðk{kt ykðu Au yLku

íÞkhçkkË ÞkuøÞ y{÷ fhðk{kt ykðu Au.

{kR¢ku ¢urzx - {rn÷k MkþÂõíkfhý :

¼khík MkhfkhLke hk»xÙeÞ Lkerík yLku rhÍðo çkUf ykuV

RÂLzÞkLkk {køkoËþoLk «{kýu ykÃkýe çkUf {kR¢ku ¢urzxLku

W¥kusLk ykÃke hne Au. çkUfLkk yLÞ rÄhkýkuLke su{ {kR¢ku

¢urzxLkk rÄhkýLku ðuøk ykÃkðk íkÚkk íkuLkk ÃkæÄríkMkh ykÞkusLk

yLku MkwÃkhrðÍLk {kxu çkUf{kt y÷øk zeðeÍLk W¼wt fhðk{kt

ykÔÞwt Au. {kR¢ku ¢urzxLkk {wÏÞ ÷k¼kÚkeoyku {rn÷kyku Au. su

ykðk rÄhkýLke MknkÞÚke hkusøkkhe {u¤ðe íku{Lkk ÃkrhðkhLku

MknkÞYÃk çkLku Au. ykðk çkUf rÄhkýÚke {rn÷kykuLke ykŠÚkf

ÂMÚkrík {sçkqík çkLke hne Au. yLku íku{Lkk{kt çkU®føk ÔÞðnkhkuLke

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MkþÂõíkfhý «ð]r¥kLku ðuøk {¤e hÌkku Au. çkUfu ð»ko 2017-18

Ëhr{ÞkLk yuftËhu 2321 {rn÷kyku Y>.6.29 fhkuzLkwt rÄhký

fÞwO Au yLku MkLku 2012 Úke yks MkwÄe{kt çkUfu 9700 WÃkhktík

÷k¼kÚkeoykuLku Y>. 23.18 fhkuz WÃkhktíkLkwt rÄhký fÞwO Au.

{rn÷k MkþÂõíkfhýLkk fk{fks{kt Mktf¤kÞu÷e MktMÚkkyku suðe

fu rð[híkk Mk{wËkÞ Mk{ÚkoLk {t[ íku{s ßÞkuríkMkt½ yk

fk{økehe{kt çkUfLku {ËË fhu Au.

rÄhkýLkku ÔÞkÃk ðÄkhðk íku{s Mk{ÞMkh hefðhe fhðk{kt

11


rð[híkk Mk{wËkÞ Mk{ÚkoLk {t[Lkk {uLkuStøk xÙMxe ©e{íke

r{¥k÷çkuLk Ãkxu÷ yLku íku{Lke fkÞofh çknuLkkuLkku MkkÚk {¤e hÌkku

Au.

yk fk{fks{kt hkufkÞu÷k çkUfLkk yrÄfkheyku f{o[kheyku

yLku rVÕzðfoh çknuLkkuLku çkkuzo yr¼LktËLk ykÃku Au.

LkkuLk ÃkhVku{eOøk yuMkuxTMk (NPA) økúkuMk yuLk.Ãke.yu. {kºk 1.81% Lkux yuLk.Ãke.yu. 0.00% :

Mk{økú ¼khíkLkku çkU®føk Wãkuøk, ðÄíke síke LkkuLk ÃkhVku‹{øk

yuMkuxTMkLke Mk{MÞkLkku íkeðú Mkk{Lkku fhe hÌkku Au íÞkhu, ð»ko

2017-18 ËhBÞkLk çkUfu Y>.38 fhkuzLke NPA ¾kíkk{kt hefðhe

fhu÷ Au íkÚkk ð»ko ËhBÞkLk Lkðk NPA ¾kíkkykuLkku Mk{kðuþ

fÞko çkkË økúkuMk NPA Y>.70.56 fhkuz hÌkwt Au. su fw÷

rÄhkýLkk {kºk 1.81% Au. (yk NPA Lke hf{{kt ykÃkýe çkUf

MkkÚku {so ÚkÞu÷e çkUfkuLkk NPA Lkku Ãký Mk{kðuþ ÚkkÞ Au.)

çkUfLkkt MxkLzzo rÄhký íku{s yuLk.Ãke.yu. rÄhký Mkk{u, rhÍðo

çkUfLkk rLkÞ{kLkwMkkh, Y>. 64.32 fhkuzLke òuøkðkR fhðkLke

sYh Au. suLke Mkk{u ykÃkýe çkUf îkhk Y>.171.40 fhkuzLke

òuøkðkR fhðk{kt ykðu÷e nkuðkÚke, çkUfLkkt Lkux yuLk.Ãke.yu.;

yøkkWLkk ½ýkt ð»kkuoLke su{ þqLÞ xfkyu s¤ðkR hÌkk Au.

çkUfLkk yuLk.Ãke.yu. ÚkÞu÷ ¾kíkkyku ÃkifeLkk fw÷ 170 ¾kíkkyku{kt, ð»ko Ëhr{ÞkLk ðMkq÷kíkLke Mk{økú «r¢Þk Ãkqhe fÞko çkkË, {wÆ÷, Lkne WÄkhu÷ ÔÞks, ËtzLkeÞ ÔÞks íkÚkk yLÞ ¾[koyku{kt hkník ykÃke. yk ík{k{ ¾kíkkyku, {ktze ðk¤ðkLkwt çkUfLkk çkkuzo ykuV rzhuõxMkuo XhkÔÞwt Au. yk ¾kíkkyku Ãkife 89 ¾kíkkyku{kt, {ktze ðk¤ðkLke hf{{kt Y>.162.12 ÷k¾Lke {wÆ÷ hf{Lkku Ãký Mk{kðuþ ÚkkÞ Au. çkkuzo ykuV rzhuõxMkoLku {¤u÷e Mk¥kkLke Yyu, çkkuzuo yk rLkýoÞ fÞkuo Au, suLku çknk÷e ykÃkðk

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ykðkt ¾kíkkykuLku {ktzðk¤ fhðk çkkuzo ykuV rzhuõxMkoLku Mk¥kk

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Au.

hkRx ykuV fhu÷k ¾kíkkyku{kt rhfðhe ytøku :

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¾kíkkykuLku, MkkÄkhý Mk¼kLke {tsqhe ÷RLku, ð»kuo 2013-14 Lkk

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ðMkq÷kík fhðk{kt ykðe Au. çkUfLkk rhfðhe rð¼køkLke

fk{økeheLku çkkuzo ÄLÞðkË ykÃku Au.

çkUfLkk rzhuõxMkoLku rÄhký :

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Ãkk÷Lk fhðk{kt ykðu Au.

hkufkýku : Y>.3473.26 fhkuz

ð»ko 2016-17 Lkk ytíku ykÃkýe çkUfLkkt fw÷ hkufký

Y>.2879.07 fhkuz níkkt, su ð»ko 2017-18Lkk ytíku ðÄeLku

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fhkuzLkwt RLðuMx{uLx zu«eMkeyuþLk rhÍðo W¼wt fhu÷ Au. yk

WÃkhktík çkUfLkwt RLðuMx{uLx ^÷õåÞwyuþLk rhÍðo (IFR)

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LkVku fhu÷ Au.

òu¾{ «çktÄLk (heMf {uLkus{uLx) :

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ðÄe økR Au. çkUfkuLku {wÏÞíðu Ãkrh[k÷Lk òu¾{ (ykuÃkhuþLk

heMf), rÄhkýLkwt òu¾{ (¢uzex heMf) íku{s çkòhLkk òu¾{

({kfuox heMf)Lkku Mkk{Lkku fhðku Ãkzu Au. yk çkÄkt s òu¾{kuLkku

Mkk{Lkku fhðk ykÃkýe çkUf îkhk ík{k{ sYhe ÔÞðMÚkk fhðk{kt

ykðe Au. çkòhLkk òu¾{Lkku yÇÞkMk fhe Mk{ÞMkh rLkýoÞ

÷uðk, çkUf{kt RLðuMx{uLx fr{rxLke h[Lkk fhkR Au, su

12


Mk{Þktíkhu {¤e ÞkuøÞ rLkýoÞku ÷u Au. rÄhký ytøkuLkk òu¾{kuLku

rLkÞtrºkík fhðk ykurzx, RLMkÃkuõþLk, rÄhkýLke {tsqhe ytøku

rðfuLÿetík Mk¥kk, yuõMkÃkkuÍh rMk÷ªøkLkwt rLkÄkohý yLku

{kurLkxhªøk/RLMÃkuõþLk, ¢urzx hu®xøk suðe ÔÞðMÚkk y{÷{kt

Au. çkUf{kt rhMf çkuÍTz MkwÃkhrðÍLkLke Ãký ÔÞðMÚkk fhðk{kt

ykðe Au. çkUfLke ykurzx fr{xe yk fk{fks Ãkh rðþu»k æÞkLk

ykÃku Au. ykÃkýe çkUf VkuhuLk yuõMk[uLsLkwt fk{fks fhðk

yu.ze. fuxuøkhe-1 «fkhLkwt ÷kÞMkLMk Ähkðíke nkuðkÚke, fLxÙe

rhMfLkku Mkk{Lkku fhðku Ãkzu Au. yk ytøku çkkuzuo fLxÙe heMf yLku

«kR{ / LkkuLk «kR{ çkUf ðkRMk yuõMÃkkuÍh ÷e{ex Lk¬e fhu÷

Au. suLkku Mk{Þktíkhu heÔÞw fhðk{kt ykðu Au. çkUf{kt

r÷õðezexeLkwt òu¾{ W¼wt Lk ÚkkÞ yu {kxu yuMkux ÷kÞurçk÷exe

fr{rx Mk{Þktíkhu {¤u Au íkÚkk rhÍðo çkUfLku yk ytøkuLkkt Ãkºkfku

Mk{ÞMkh {kuf÷kÞ íkuLkw t æÞkLk hk¾ðk{kt ykðu Au.

yuMkyu÷ykh/MkeykhykhLke ò¤ðýe{kt rðûkuÃk Lk Ãkzu yuLke

r[ðx hk¾ðk{kt ykðu Au. çkUf îkhk yuMkyu÷ykh /

MkeykhykhLke ò¤ðýe{kt õÞkhuÞ Ãký [qf fhðk{kt ykðe

LkÚke. yk rð¼køkLkk yrÄfkheykuLku çkkuzo yr¼LktËLk ykÃku Au.

yk{ ykÃkýe çkUf{kt, òu¾{ «çktÄLk fk{økeheLke yøkíÞíkk

Mk{S, íku ytøku nt{uþ {wsçk Ãkqhíke ÔÞðMÚkk økkuXððk{kt ykðe

Au.

LkVkLke Vk¤ðýe yLku rzrðzLz :

fw÷ ykðf Y>.690.21 fhkuz

[kuÏ¾ku LkVku Y>.110.24 fhkuz

rzrðzLz : 15% (Mkqr[ík)

y{Lku sýkðíkkt ykLktË ÚkkÞ Au fu ð»ko 2016-17 Lkk ytíku

çkUfLke fw÷ ykðf Y>.651.34 fhkuz níke, su 2017-18 Lkk

ytíku ðÄeLku Y>.690.21 fhkuzu ÃknkU[e Au. yk ykðf{ktÚke fw÷

¾[o, òuøkðkRyku yLku ykðfðuhkLke hf{ çkkË fhíkkt, [kuÏ¾ku

LkVku Y>. 110.24 fhkuzu ÃknkUåÞku Au, su økík ð»kuo Y>.85.82

fhkuz níkku. çkUfLkk fkÞoûk{ ðneðxLku fkhýu çkUfLkku LkVku

W¥khku¥kh ðÄe hÌkku Au, suLkkÚke çkUfLkkt yLkk{ík ¼tzku¤{kt

ðÄkhku ÚkR hÌkku Au yLku yu heíku çkUfLke MkæÄhíkk{kt Ãký

ðÄkhku ÚkR hÌkku Au. çkUfLkk ÃkuxkfkÞËkykuLke òuøkðkRyku «{kýu

çkUfLkwt çkkuzo yk LkVkLke Vk¤ðýe fhðk Lke[u «{kýu ¼÷k{ý

fhu Au, suLku {tsqh hk¾ðk yk Mk¼kLku çkkuzo rðLktíke fhu Au.

y.Lkt. rðøkík hf{ Y>.

1. rhÍðo Vtz (25%) 27,56,06,683.67

2. rþûký Vk¤ku 1,10,24,267.35

3. yLkVkuhMkeLk ÷kuMkeMk Vtz 11,02,42,673.47

4. rzrðzLz (15%) 12,61,46,766.07

5. {fkLk Vtz 14,11,10,622.04

6. Ä{koËk Vtz 1,41,11,062.20

7. fLxeLsLMke Vtz 7,05,55,311.02

8. RLðuMx{uLx ^÷õ[wyuþLk Vtz 3,33,00,000.00

9. rhÍðo Vtz 32,03,29,348.87

[kuÏ¾ku LkVku : 1,10,24,26,734.69

çkutfLkwt çkkuzo ykuV rzhuõxMkuo ð»ko 2017-18 {kxu 15% rzrðzLz [qfððkLke ¼÷k{ý fhu Au, suLku {tsqhe ykÃkðk yk Mk¼kLku rðLktíke Au.

÷ûÞktfkuLke Mk{eûkk íkÚkk ð»ko 2018-19 Lkwt çksux (÷ûÞktf) :

çkUf îkhk Ëh ð»kuo, ð»koLke þYykík{kt s ykøk¤Lkk ð»kuo

yÃkkÞu÷kt ÷ûÞktfkuLke Mkh¾k{ýeyu rMkæÄ fhu÷kt ÷ûÞktfkuLke

Mk{eûkk fhðk íkÚkk [k÷w ð»ko {kxuLkkt Lkðkt ÷ûÞktfku ykÃkðk

MktçktrÄík f{o[kheyku MkkÚku [[ko fhðk{kt ykðu Au. ð»koLke

þYykík{kt s yk fk{økehe Úkíke nkuðkÚke f{o[kheykuLku

ykÞkusLk fhðk{kt Mkh¤íkk hnu Au. MkkÚku MkkÚku, su þk¾kykuyu

÷ûÞktfkuLke «kró MktçktÄe Mkkhe fk{økehe fhe nkuÞ íku{Lku

rçkhËkððk{kt Ãký ykðu Au ð»ko 2017-18 Ëhr{ÞkLk çkUfu

{kuxk¼køkLkk ík{k{ ÷ûÞktf Mkkhe heíku rMkØ fÞkO Au, suLkku Þþ

çkUfLkk Mkðuo f{o[kheyku, çkkuzo ykuV rzhuõxMkoLkk MkÇÞku, þk¾k

rðfkMk Mkr{ríkykuLkk r¢Þkþe÷ MkÇÞku yLku økúknfku /

þw¼uåAfkuLku òÞ Au.

ð»ko 2017-18 {kxu rLkÄkorhík ÷ûÞktfkuLke Mkk{u ÚkÞu÷e fk{økehe

íkÚkk ð»ko 2018-19 Lkk çksuxLke {krníke Mk¼kMkËkuLke òý MkkY

hsq fheyu Aeyu suLku {tsqh fhðk yk Mk¼kLku rðLktíke Au.

12


13

fkuÃkkuohux f{ fku-ykuÃkhuxeð økðLkoLMk :-

çkUfLke MÚkkÃkLkkÚke çkUfLkk ðrnðx{kt Mknfkrhíkk{kt {q¤¼qík {qÕÞkuLkk síkLkLku yøkúíkk ykÃkðk{kt ykðu Au. ykÃkýe çkUf ðneðx MktçktÄe fkuÃkkuohux økðoLkLMkLku «kÄkLÞ íkku ykÃku s Au, MkkÚku fku.ykuÃkhuxeð {qÕÞkuLku Ãký yux÷wt s {níð ykÃku Au, yLku yLÞ fku.ykuÃkhuxeð çkUfkuLkwt rð÷eLkefhý fheLku íkuLkk Mk¼kMkËku yLku økúknfkuLku hûký ykÃku Au. MkLku 1991 Úke MkLku 2017 MkwÄe{kt Mkkík fku-ykuÃk. çkUfkuLkwt ykÃkýe çkUf MkkÚku rð÷eLkefhý ÚkÞu÷ Au. çkUfLkwt çkkuzo ykuV rzhuõxMko, Mk{ks yLku þuh nkuÕzMko «íÞuLke sðkçkËkhe Mk{SLku, rLkýoÞku{kt ÃkkhËŠþíkk ò¤ðeLku, íku{s rhÍðo çkUf îkhk yÃkkÞu÷k Mkq[LkkuLkwt ©uc heíku Ãkk÷Lk fheLku, çkUfLke «økrík {kxu s fkÞo fhu Au. rhÍðo çkUfLke Mkq[Lkk yLkwMkkh çkUfLkk çkkuzo{kt çku «kuVuþLk÷ rzhuõxMko Ãký ÃkkuíkkLke Mkuðkyku ykÃku Au. çkkuzo ykuV rzhuõxMkoLke r{®xøkku ÷øk¼øk Ëh {rnLku çku ð¾ík {¤u Au. su{kt {kuxk ¼køkLkk MkÇÞku nksh hnu Au. çkkuzo îkhk h[kÞu÷e fr{rxLke {exªøkku Ãký sYrhÞkík «{kýu {¤u Au, çkUfLkk çkkuzo{kt sYh sýkÞ íÞkhu yk{trºkíkkuLke MkuðkLkku ÷k¼ rLkÞ{kLkwMkkh ÷uðkÞ Au.

yktíkhhk»xÙeÞ ÔÞkÃkkh rð¼køk :

ykÃkýe çkUf ykuÚkkuhkRÍTz rz÷h fuxuøkhe-1 Lkwt fkÞ{e ÷kÞMkLMk Ähkðíke økwshkíkLke «Úk{ Mknfkhe çkUf Au. çkUfu yktíkhhk»xÙeÞ

fkhkuçkkh{kt ð»ko Ëhr{ÞkLk Y>.10,267 fhkuzLkwt xLko ykuðh fÞwO Au. çkUf îkhk yktíkhhk»xÙeÞ fkhkuçkkh MktçktÄe ík{k{ fk{økehe fhðk{kt ykðu Au. ykÃkýe çkUf îkhk ÷uðkíkk MkuðkfeÞ [kSoMk ¾qçk s {kVfMkhLkk Au. çkUf y{urhfLk zku÷h WÃkhktík økúux rçkúxLk ÃkkWLz, Þwhku, fuLkuzeÞLk zku÷h íku{s òÃkkLkeÍ ÞuLk yu{ Ãkkt[ fhLMke{kt fk{ fhu Au.

yktíkhhk»xÙeÞ fkhkuçkkh rð¼køk îkhk yuõMkÃkkuxTMko yLku RBÃkkuxTMkoLku ÷økíke çkÄe s Mkuðkyku ykÃkðk{kt ykðu Au. yuõMkÃkkuxTMko {kxu yuõMkÃkkuxo Ãkufªøk ¢uzex, VkuhuLk çke÷ f÷uõþLk, VkuhuLk çke÷ Ãkh[uÍ/zeMfkWLxªøk/LkuøkkuMkeyuþLk RíÞkËe Mkuðkyku ¾wçk s ykf»kof ÔÞks Ëhu ykÃkðk{kt ykðu Au.

RBÃkkuxTMko {kxu VkuhuLk ÷uxh ykuV ¢uzex (FLC), çkkÞMkoo ¢uzex/MkÃ÷kÞMko ¢uzex, VkuhuLk çkUf økuhtxe ðøkuhu MkwrðÄkyku WÃk÷çÄ Au. çkUfLkw t VkuhuõMk rzÃkkxo{uLx ykÄwrLkf hkRxMko/ç÷w{çkøkoLke Mkuðkyku ðkÃkhu Au yLku rz÷ªøkY{ y{ËkðkË

þnuh{kt WÃk÷çÄ Au. çkUf zkÞhuõx SWIFT System Úke RLxhLkuþLk÷ Ãku{uLxMk Ãkwhk Ãkkzu Au yLku RLxhLkuþLk÷ çkUf rzhuõxhe{kt Ãký ykÃkýe çkUfLkk Lkk{Lkku Mk{kðuþ fhðk{kt ykðu÷ Au. yktíkhhk»xÙeÞ ÔÞkÃkkh fhíkk Wãkuøkfkhku yLku xÙuzMkoLku çkUfLke VkuhuõMk rzÃkkxo{uLxLke W¥k{ MkuðkLkku ÷k¼ ÷uðk rðLktíke Au.

y.Lkt. rðøkík ð»ko 2017-18 ð»ko 2017-18 Lkk ð»ko 2018-19LkwtLkwt çksux (÷ûÞktf) ÷ûÞktf Mkk{u rMkÂæÄ çksux (÷ûÞktf)

1. þuh {qze 90 88.05 95

2. yLkk{ík íkÚkk yLÞ ¼tzku¤ 1100 1121.41 1200

3. ÚkkÃkýku 6900 6495.90 7000

- su{ktÚke [k÷w/çk[ík ¾kíkkLke ÚkkÃkýku 2000 2039.56 2100

4. hkufkýku-yLÞ çkUfku{kt 3200 3473.26 3600

{qfu÷e ÚkkÃkýku Mkrník

5. rÄhký 4700 3903.39 4600

6. fkÞofkhe {qze 8400 8102.13 8400

7. fw÷ ykðf 726 690.21 766.50

8. fw÷ ¾[o 568 498.26 565.50

9. fkÞofkh LkVku 158 191.95 201

10. [kuÏ¾ku LkVku 95 110.24 114

11. yuLk.Ãke.yu. rhfðhe 30 38 35

ð»ko 2016-17Lkk ÷ûÞktfkuLke Mk{eûkk íkÚkk ð»ko 2018-19Lkwt çksux (Yk. fhkuz{kt)


14

çkUf îkhk Lkðe þk¾kLkku þw¼kht¼ :

rhÍðo çkUf ykuV RÂLzÞk îkhk {¤u÷e {tsqheLku ykÄkhu, ykÃkýe çkUfu ð»ko Ëhr{ÞkLk LÞw yuMk.S. hkuz (ðtËu{kíkh{) ¾kíku þk¾k ¾ku÷e Au. yk MkkÚku çkUfLke fw÷ 56 þk¾kyku ÚkR Au. çkUf AuÕ÷k çku ð»koÚke çkúef yuLz {kuxoh yuõMkÃkkLMkLkLke søÞkyu zeSx÷kRÍuþLk yLku ykR.xe. MkÃkkuxeoð ÔÞkÃk ðÄkhðk {ktøku Au íkÚkk ykÃkýe çkUf {soh yLku yuõðeÍeþLkLke «ÃkkuÍ÷ ykðfkhþu.

rMkæÄe fku-ykuÃk. çkUf r÷. Lkwt rð÷eLkefhý ({soh) :

y{ËkðkË þnuh{kt ykðu÷e rMkæÄe fku-ykuÃk.çkUf r÷. Lkwt ykÃkýe çkUf{kt rð÷eLkefhý fhðkLke «r¢Þk íkk.20-08-2016Lkk hkusÚke þY ÚkR níke suLkk yLkwMktÄkLk{kt ykÃkýe çkUfLke íkk.06-06-2017Lkk hkus {¤u÷ MkkÄkhý Mk¼k{kt yk çkUfLkwt rð÷eLkefhý fhðkLkwt MkðkoLkw{íku XhkÔÞwt níkwt. su MktË¼uo fkÞoðkne [k÷w fhíkkt rhÍðo çkUf ykuV RLzeÞkyu íkk.10-05-2018Lkk ÃkºkÚke Mkqr[ík rð÷eLkefhýLke Ëh¾kMíkLku {tswhe ykÃke Au suÚke nðu MkuLxÙ÷ hSMxÙkh©e Mknfkhe {tz¤eyku, LÞw rËÕne yLku økwshkík hkßÞLkk Mknfkhe {tz¤eykuLkk hSMxÙkh©eLke {tswhe {¤íkkt rMkæÄe çkUfLkwt ykÃkýe çkUf{kt rð÷eLkefhý Úkþu.

ykÃkýe çkUfLke nk÷{kt 56 þk¾kyku Au. yk rð÷eLkefhýÚke rMkæÄe çkUfLke 3 þk¾kyku W{uhkíkkt [k÷w ð»ko{kt çkUfLke 59 þk¾kyku Úkþu.

fhLMke [uMx :

ykÃkýe çkUfLke {wÏÞ f[uhe ¾kíku íkk.03-06-2017Lkk hkus fhLMke [uMxLkwt WËT½kxLk fhðk{kt ykðu÷ níkwt. yk WËT½kxLk «Mktøku rhÍðo çkUf ykuV RÂLzÞk y{ËkðkËLkk heSÞkuLk÷ rzhuõxh©e su. fu. ËkMk Mkknuçk, RMÞw rzÃkkxo{uLxLkk sLkh÷ {uLkush©e yu. fk{Úk, zuÃÞwxe sLkh÷ {uLkush©e yþkuffw{kh íkÚkk ykMke. sLkh÷ {uLkush ©e{íke Mkwòíkk rðsÞ hk½ðLk íku{s çkUfLkk çkkuzo ykuV rzhuõxMkoLkk MkÇÞku íkÚkk {kuxe MktÏÞk{kt fku-ykuÃkhuxeð çkUfkuLkk nkuÆuËkhku yLku çkUfLkk ¾kíkuËkhku, Mk¼kMkËku yLku þk¾k rðfkMk fr{xeLkk MkÇÞku WÃkÂMÚkík hnu÷. ykÃkýe çkUf îkhk fhLMke [uMxLke Mkuðk þY fhðkÚke hkßÞLke yLÞ Mknfkhe çkUfkuLku fhLMkeLke [qfðýe íkÚkk LkkýktfeÞ çkkçkíku ½ýe {ËË {¤þu.

Ãkuhk çkU®føk Mkuðkyku :

çkU®føk ûkuºk{kt ðíko{kLk Mk{Þ íkeðú nrhVkRLkku Au, yux÷u çkUfkuyu LkVkLkwt ÔÞksçke Míkh ò¤ðe hk¾ðk, fkuh çkU®føk «ð]r¥kyku{ktÚke {¤íke ykðf WÃkhktík yLÞ çkU®føk Mkuðkyku{ktÚke Ãký Mkkhe yuðe ykðf {u¤ððe ¾qçk s sYhe Au. yk ykðf yux÷e nkuðe òuRyu fu íku{ktÚke çkUfLkku ðneðxe ¾[o Lkef¤u. ykÃkýe çkUf nsw yk Míkhu ÃknkU[e þfe LkÚke. íku{ Aíkkt, ykÃkýu ½ýe çkÄe Mkuðkyku rfVkÞíke Ëhu ykÃkeyu Aeyu, ykðe fux÷ef MkuðkykuLkku ykÃk Mkðuo ÷k¼ ÷ku yuðku y{khe rðLktíke Au.

RLxhLkux çkU®føk :

ykÃkýe çkUf fkuÃkkuohux yLku hexuR÷ RLxhLkux çkU®føk MkwrðÄk rðLkk {qÕÞ ykÃku Au. ykÃkýe çkUfLke RLxhLkux çkU®føk MkwrðÄk MkeõÞkuzo yuLkðkÞh{uLx yLku ykR.xe MkeõÞwhexe ykurzx nuX¤ ykuçkÍðo fhðk{kt ykðu Au. RLxhLkux çkU®føk îkhk økúknfku ykÃkýe çkUf{kt / yLÞ çkUf{kt Vtz xÙkLMkVh, Mxux{uLx ÔÞw/«eLxªøk, MxuxMk ykuV [uf, Lkðe [uf çkwf heõðuMx, VeõMk rzÃkkuÍex {qfðe, çke÷ Ãku{uLx ðøkuhu MkwrðÄkykuLku ÃkkuíkkLkk MÚk¤u s ÷uÃkxkuÃk yÚkðk {kuçkkR÷Úke WÃkÞkuøk fhe þfu Au.

çkUfLkk økúknfku yk MkuðkLkku {n¥k{ ÷k¼ ÷u íku RåALkeÞ Au. yk ð»koLkk ytík MkwÄe{kt 4000 fkuÃkkuohux økúknfku yLku 5000 hexuR÷ økúknfku yk MkuðkLkku ÷k¼ ÷R hÌkk Au. RLxhLkux çkU®føkLkku ÔÞkÃk

ðÄkhðk yk MkwrðÄk îkhk RTGS íkÚkk NEFT Vtz xÙkLMkVh fhðk{kt ykðu íkku fkuR Ãký òíkLkk [kSoMk ÷uðk{kt ykðíkkt LkÚke. íkuÚke yk MkuðkLkku ÷k¼ økúknfku ðÄw ÷u yuðe rðLktíke Au.

{kuçkkR÷ çkU®føk :

çkUf îkhk {kuçkkR÷ çkU®føk Mkuðk þY fhðk{kt ykðu÷ yk Mkuðk

nuX¤ ykR.yu{.Ãke.yuMk. îkhk (24x7) Vtz xÙkLMkVh, {eLkeMxux{uLx, çku÷uLMk ÃkqAÃkhA, [ufçkwf heõðuMx, [ufLkwt MxuxMk, çkeÕMk Ãku{uLx suðe ½ýe MkwrðÄkyku WÃk÷çÄ Au. suLkku çkUfLkk ðÄwLku ðÄw økúknfku ÷k¼ ÷u yuðe y{khe rðLktíke Au.

zurçkx fkzo :

çkUfLkk zurçkx f{ yu.xe.yu{. fkzoLke {ËËÚke ½ýe çkÄe MkwrðÄkyku {¤u Au su{ fu fkuR Ãký {ku÷ yÚkðk ËwfkLk{kt ÃkkuMk

{þeLk (PoS) Ãkh MðkRÃk fhe ¾heËe fhe þfkÞ. ykuLk ÷kRLk þkuÃkªøk, huÕðu rxrfx çkw®føk, nkux÷ çkw®føk, çke÷ Ãku{uLx, ðe{kLkk r«{eÞ{Lke [qfðýe íkÚkk zuçkex fkzo ç÷kuf fhðk {kxu

SMS MkŠðMk WÃk÷çÄ Au.

çkUfLkwt zurçkx fkzo ¼khík¼hLkk ÷øk¼øk ík{k{ ATM fuLÿku WÃkh

Mðef]ík Au íku{s ykþhu ËMk ÷k¾Úke ðÄw ðu[ký fuLÿku (PoS) WÃkh ¾heËe fhðk ðkÃkhe þfkÞ Au. yk fkzoLkku ðÄwLku ðÄw WÃkÞkuøk ykÃk Mkðuo fhku yuðe y{khe rðLktíke Au. yk WÃkhktík [k÷w ð»kuo çkUf îkhk YÃku Ã÷uxeLk{ zuçkex fkzoLke Mkuðk þY fhðk{kt ykðu÷ Au. su{kt Y>.2 ÷k¾Lkku RL~ÞkuhLMk fðh ÚkkÞ Au. íkÚkk Ëh {rnLku Þwxe÷exe çke÷ Ãku{uLxLke hf{Lkk 5% yÚkðk Yk. 50 (çku{ktÚke su ykuAe nkuÞ íku hf{)Lke fuþçkuf ykÃkðk{kt ykðu Au.

yu.xe.yu{. fuLÿku :

ykÃkýe çkUfLkkt 58 ATM fuLÿku fkÞohík Au su{kt Ãkkt[ ykuV MkkRx

ATM Ãký Au. ykÃkýkt yuxeyu{ 24 f÷kf Mkwhûkk økkzo íkÚkk Mke.Mke.xe.ðe. fu{uhkLke MkøkðzÚke Mkwhrûkík Au. yLÞ çkUfLkk yu.xe.yu{. fkzo Ähkðíkk økúknfku ykÃkýe çkUfLkk yu.xe.yu{.Lke Mkkhe MkuðkLku fkhýu ½ýku ÷k¼ ÷u Au. íkËTWÃkhktík ykÃkýe çkUfLkk


15

økúknfku yLÞ çkUfLkk yLku yLÞ çkUfkuLkk økúknfku ykÃkýe çkUfLkkt fuþ rzÃkkuÍex {þeLk{kt hkufz s{k fhkðe þfu yuðe MkwrðÄk WÃk÷çÄ fhkðu÷ Au.

÷kufh Mkuðk :

ykÄwrLkf çkU®føk Wãkuøk{kt çkUfkuLke þk¾kykuLkk yãíkLk MkwrðÄk Ähkðíkk {fkLkku (ÃkrhMkhku){kt ÷kufhLkwt rðþu»k {níð Au. ykÃkýe çkUfLke 47 þk¾kyku{kt 71000 WÃkhktík ÷kufhLke MkwrðÄk WÃk÷çÄ Au. økúknfkuLke {ktøkýeLku æÞkLk{kt ÷R y{ku ðÄwLku ðÄw MkwrðÄkÞwõík ÷kufMkoLke ÔÞðMÚkk fhðk «ÞíLkþe÷ Aeyu. ykÃkýe çkUf îkhk ÷uðkíkwt ÷kufh ¼kzw ½ýwt s rfVkÞíke nkuðkÚke íku{s çkUfLkk ÷kufh nku÷ ykÄwrLkf nkuðkÚke, ðÄwLku ðÄw økúknfku yk MkuðkLkku ÷k¼ ÷u Au.

rz{ux / ASBA Mkuðk :

çkUfLkku rz{ux rð¼køk 1999 Úke fkÞohík Au. çkUfLke 54 þk¾kyku îkhk rz{ux Mkuðk yÃkkÞ Au. çkUfLke ík{k{

þk¾kykuyuÚke nðu IPO/FPO {kt ¼hýwt ¼hðk ASBA Mkuðk

ykÃkðk{kt ykðu Au. ð»ko Ëhr{ÞkLk çkUfu ASBA Mkuðk {kxu 514364 yhSyku Mðefkhe níke.

ÃkkLkfkzo / økuMk rçk÷ f÷uõþLk Mkuðk :

çkUfLke ík{k{ þk¾kyku{kt RLf{xuûk Ãkh{uLkLx yufkWLx Lktçkh

(PAN) ytøkuLke yhSyku Mðefkhðk{kt ykðu Au. çkUf îkhk yËkýe økuMk rçk÷ f÷uõþLkLke Mkuðk Ãký yÃkkÞ Au.

E-Tax Mkuðk :

ykÃkýe çkUfLkk ¾kíkuËkhku, rðrðÄ Mkhfkhe ðuhkyku Mkh¤íkkÚke

¼he þfu yu {kxu rLk:þwÕf MkwrðÄk fkuÃkkuohuþLk çkUf íku{s IDBI çkUfLkk MknÞkuøkÚke ykÃkýe çkUf ykÃku Au. yk Mkuðk îkhk

RLf{xuûk, xe.ze.yuMk. S.yuMk.xe., fMx{ zâwxe, ESIC,

EPFO, r{÷fíkkuLkkt ðu[ký Ãkh xe.ze.yuMk. suðk ðuhkyku ¼hðkLke Mkøkðz Au. {kuxe MktÏÞk{kt çkUfLkk økúknfku yk MkuðkLkku ÷k¼ ÷u Au.

MxuBÃk £u®føk Mkuðk :

çkUfLke 52 þk¾kyku îkhk MxuBÃk £u®føk Mkuðk Mktíkku»kfkhf heíku ykÃkðk{kt ykðu Au. çkUfLke þk¾kyku îkhk LkkLke hf{Úke {ktze {kuxe hf{ MkwÄeLkk ík{k{ MxuBÃkLkwt £ufªøk fhe ykÃkðk{kt ykðu Au. Ëhuf þk¾k îkhk ze.yuMk.yu. îkhk Ãký MxuBÃk £ufªøkLke MkwrðÄk Ãkwhe Ãkkzðk{kt ykðu Au.

Mkk{kSf W¥khËkrÞíð :

çkU®føk «ð]r¥kLke MkkÚku, Mk{ks «íÞuLke sðkçkËkheLkk ¼køkYÃku çkUf îkhk yLkufrðÄ «ð]]]r¥kyku fhðk{kt ykðu Au, su{kt {kR¢ku VkÞLkkLMk, hõíkËkLk «ð]r¥k, Mkk{kSf / ykŠÚkf / þiûkrýf / ykhkuøÞ ûkuºku fk{ fhíke MktMÚkkykuLku ËkLk, íkusMðe rðãkÚkeoykuLku ÃkwhMfkh, rËðtøkík Mk¼kMkËkuLkk ykr©íkkuLku MknkÞ,

rðrðÄ rËðMkkuLke Wsðýe suðe «ð]r¥kykuLkku Mk{kðuþ ÚkkÞ Au. çkUfLkk çkkuzo ykuV rzhuõxMkoLkk MkÇÞku ykðe «ð]r¥kyku{kt nkshe ykÃke «kuíMkknLk ykÃku Au.

yLÞ Mkuðkyku :

yk WÃkhktík yLÞ Mkuðkyku Ãký çkUf îkhk ykÃkðk{kt ykðu Au. su{ fu xku÷£e Lktçkh, £e R-Mxux{uLx, £e yuMk.yu{.yuMk. yu÷xo, £e rz{ux Mxux{uLx ykuLk {kuçkkR÷, yufkWLx çku÷uLMk, yufkWLx Mxux{uLx, {kfuoxªøk yufkWLx {eMk fku÷ MkŠðMk. çkUfLkk økúknfku ÔÞkÃkf «{ký{kt yk MkuðkykuLkku ÷k¼ ÷u Au.

hõíkËkLk «ð]r¥k :

çkUfLke yk {nk{q÷e MkuðkfeÞ «ð]r¥kyku{kt þk¾k rðfkMk Mkr{ríkLkk MkÇÞ©eyku, çkUfLkk yrÄfkhe©e [tÿðËLk þwõ÷ yLku þk¾k {uLkusMko ¾qçk s «þtMkLkeÞ fk{økehe fhu Au. økík ð»ko Ëhr{ÞkLk yk fk{økehe{kt çkUfLke 51 þk¾kykuyu ¾qçk s «þtMkLkeÞ fk{økehe fhe níke. hõíkËkLk «ð]r¥kLku MkkiÚke rðþu»k {níð ykÃkðk{kt ykðu Au. çkUf{kt yk «ð]r¥kLku økríkþe÷ hk¾ðk hõíkËkLk fuBÃkku Þkusðk{kt ykðu Au su{kt f{o[kheyku íkÚkk økúknfku W{¤fk¼uh MknÞkuøk ykÃku Au. çkUfu økíkð»ko Ëhr{ÞkLk hõíkËkLkLkk 69 rþrçkh ÞkuS, 4861 ÞwrLkx hõík yufXwt fÞOw níkwt.

çkUf îkhk MkhfkhLke ðe{k ÞkusLkkykuLkwt y{÷efhý yLku ÷k¼ :

ònuh sLkíkkLkk ÷k¼kÚkuo ¼khík Mkhfkh îkhk ònuh fhkÞu÷e «ÄkLk{tºke Mkwhûkk ðe{k ÞkusLkk{kt (PMSBY) íkÚkk «ÄkLk{tºke SðLk ßÞkurík ðe{k ÞkusLkk{kt (PMJJBY) ykÃkýe çkUfu ¾qçk s hMk ÷R MðkÚko MkkÚku Ãkh{kÚkoLkwt ½ýwt s «MktþLkeÞ fkÞo fÞwO Au. PMSBY {kt ykÃkýe çkUfu 19406 økúknfkuLku íkÚkk PMJJBY {kt ykÃkýe çkUfu 12372 økúknfkuLku ykðhe ÷eÄk Au. yk çktLku ÞkusLkkyku Lke[u fw÷ 21 Ëkðkyku ÚkÞk Au suLke Ãkíkkðx fhe Ëuðk{kt ykðe Au yLku ÷k¼kÚkeoykuLku ðe{kLke hf{ [qfðe ËuðkR Au.

ykÃkýe çkUf îkhk Ãký ykÃkýe çkUf{kt çk[ík¾kíkw íkÚkk [k÷w ¾kíkw Ähkðíkk økúknfkuLku y{qf þhíkkuLku ykrÄLk ÃkMkoLk÷ yuõMkezLx ðe{kLkku ÷k¼ ykÃkðk{kt ykÔÞku Au. ð»ko Ëhr{ÞkLk yk ÞkusLkk nuX¤ 339013 økúknfkuLku ykðhe ÷uðk{kt ykÔÞk níkk yLku ðe{kLkwt r«r{Þ{ çkUf îkhk ¼hðk{kt ykÔÞwt níkwt. yk ðe{k nuX¤ 13 Ëkðk ÚkÞk níkk su{ktÚke çkÄks ËkðkykuLke Ãkíkkðx fhe Ëuðk{kt ykðe Au.

rðï {rn÷krËLkLke Wsðýe :

Mk{ks{kt {rn÷kykuLku rðrþü MÚkkLk yLku MkL{kLk «kó ÚkkÞ íku rð[khÄkhkLku æÞkLk{kt hk¾e, çkUf îkhk 8{e {k[o, 2018Lkk hkus rðï {rn÷k rËLkLke økkihð¼uh Wsðýe fhðk{kt ykðe níke. yk rËðMku çkUf îkhk yuf Mkur{Lkkh Þkusðk{kt ykÔÞku níkku. yk Mkur{Lkkh{kt çkUfLkk {rn÷k rzhuõxh yLku Mk{kht¼Lkk


16

{wÏÞ {nu{kLk ©e{íke ÃkqðeoçkuLk Ãkku¾heÞk÷u rðþk¤ MktÏÞk{kt WÃkÂMÚkík hnu÷ {rn÷kykuLku LkkýktfeÞ Mkkûkhíkk îkhk {rn÷kykuLkwt MkþÂõíkfhý fhðk çkUf MktfÕÃkçkØ Au íku{ sýkÔÞwt níkwt. fkÞo¢{{kt yríkrÚk rðþu»k íkhefu WÃkÂMÚkík hnu÷ Mkwhík BÞwrLkrMkÃk÷ fkuÃkkuohuþLkLkk “çkuxe çk[kðku yr¼ÞkLk”Lkk çkúkLz yuBçkuMkuzh fwt. ¼k»kkçkuLk ðk½kýeyu þÂõík íkÚkk íku{Lkk SðLkLke MkkÚkofíkk rð»ku {kLkLkeÞ yLku MkwtËh ðõíkÔÞ ykÃÞwt níkwt. yk fkÞo¢{Lkwt Mkt[k÷Lk çkUfLke {rn÷k f{o[kheykuyu MkwtËh yLku MkhMk heíku fÞwO níkwt. ykÃkýe çkUfLkk 500 Úke ðÄw {rn÷k Mk¼kMkËku, ¾kíkuËkhku, þw¼uåAfkuyu çknku¤e MktÏÞk{kt nksh hne fkÞo¢{Lku MkV¤íkk yÃkkðe níke. ykÃkýe çkUf îkhk {rn÷kykuLku rðþu»k ÷k¼ ykÃkðk {kxu nkWMkªøk ÷kuLk íkÚkk yußÞwfuþLk ÷kuLk rðþu»k hkník Ëhu ykÃkðk{kt ykðu Au.

Mk{ks «íÞu MktðuËLkk :

çkUfLkku Ëhuf økúknf çkUf {kxu yøkíÞLkwt ytøk Au. yk økúknf ©e{tík nkuÞ fu {æÞ{ ðøkoLkk nkuÞ íkuLku çkU®føk Mkuðk Ãkqhe Ãkkzðk{kt fkuR Ãký òíkLkku ¼uË¼kð fu ÃkûkÃkkík ykÃkýe çkUf{kt hk¾ðk{kt ykðíkku LkÚke. çkUfLkk Ëhuf f{o[khe økúknfLke sYrhÞkík òýe íkuLku Mk{sðkLkku «ÞíLk fhu Au. ðÄw{kt ðÄw ÷kufkuLku çkU®føk Mkuðk MkkÚku Mkktf¤ðk nhnt{uþ «ÞíLkku fhu Au.

zkuLkuþLk :

rhÍðo çkUfLke Mkq[Lkk yLkwMkkh, çkUf Ëh ð»kuo [kuÏ¾k LkVkLkk 1% sux÷e hf{, Mkk{kSf, þiûkrýf, ykhkuøÞ suðkt ûkuºkku{kt fk{ fhíke MktMÚkkykuLku ËkLk Ãkuxu ykÃke þfu Au. íkËT yLkwMkkh çkUfu ð»ko 2017-18 Ëhr{ÞkLk Y>.94,48,800/- Lkwt ËkLk rðrðÄ MktMÚkkykuLku ykÃÞwt níkwt. su{kt {wrLkMkuðk yk©{, økwshkík Mxux [eV {eLkeMxh he÷eV Vtz, Þw.yuLk.{nuíkk RLMxexâwx ykuV fkŠzÞku÷kuS yuLz heMk[o MkuLxh, yÃktøk {kLkð {tz¤, þuX yuLk.yuLk. MkkðosrLkf nkuÂMÃkx÷, zkp. Sðhks {nuíkk M{khf nuÕÚk VkWLzuþLk suðe LkkLke {kuxe 15 MktMÚkkykuLkku Mk{kðuþ ÚkkÞ Au.

þiûkrýf nuíkwMkhLkwt rÄhký :

Mk{ksLkk {æÞ{ ðøkoLkk ÷kufkuLkk MktíkkLkkuLku Wå[ rþûký {kxu MknkÞ¼qík Úkðk ykÃkýe çkUfu ykuAk ÔÞks Ëhu, þiûkrýf rÄhký ykÃkðkLkwt þY fÞwO níkwt, suLkku ÷k¼ ½ýk rðãkÚkeoykuyu ÷eÄku níkku. ð»ko 2017-18 Lkk ytíku 608 ¾kíkkuyku{kt ykþhu Y>.54.70 fhkuzLkwt rÄhký çkkfe Au. yíÞkhu çkUf îkhk MðËuþ{kt Wå[ yÇÞkMk {kxu Y>.10 ÷k¾Lkwt yLku ÃkhËuþ{kt yÇÞkMk {kxu Y>.50 ÷k¾Lkwt rÄhký 9.10% Úke 9.25% MkwÄeLkk ÔÞks Ëhu ykÃkðk{kt ykðu Au.

fk÷wÃkwh çkUf rþ»Þð]r¥k ÞkusLkk :

ykÃkýe çkUfLkk Mk¼kMkËku yLku f{o[kheykuLkk íkusMðe rðãkÚkeoykuLku «kuíMkknLk ykÃkðkLkk ykþÞÚke, íku{Lku rþ»Þð]r¥k ykÃkðkLke ÞkusLkk y{÷{kt Au. yk ÞkusLkkLke þhíkku yLkwMkkh, yuMk.yuMk.Mke., yu[.yuMk.Mke. íkÚkk MLkkíkf yLku yLkwMLkkíkf

Ãkheûkkyku{kt Mkkhk økwý {u¤ðíkk rðãkÚkeoykuLku, rþ»Þð]r¥k ykÃkðk{kt ykðu Au. ð»ko 2017-18 Ëhr{ÞkLk, çkUfu fw÷ 183 rðãkÚkeoykuLku Y>.5,42,683 Lke rþ»Þð]r¥k ykÃke Au.

Mk¼kMkË MknkÞ ÞkusLkk :

çkUfu, íkuLke Mkk{kSf sðkçkËkheLkk ¼køkYÃku çkUfLkk rËðøktík Úkíkk Mk¼kMkËkuLkk ykr©íkkuLku {ËË fhðkLkk W{Ëk ykþÞÚke, ð»ko 1997 Úke Mk¼kMkË MknkÞ ÞkusLkk y{÷{kt {qfe Au. yk ÞkusLkk ytíkøkoík, ð»ko 2017-18 Ëhr{ÞkLk rËðtøkík ÚkÞu÷k 352 Mk¼kMkËkuLkk ÃkrhðkhsLkkuLku, yk ÞkusLkk nuX¤ çkUf ð»ko Ëhr{ÞkLk Y>.35,20,000/- Lke MknkÞ [qfðe Au.

rËðtøkík ÚkÞu÷k Mkðuo Mk¼kMkËkuLkk ykí{kLku Ãkh{kí{k r[hþktrík yÃkuo íkuðe çkkuzo ykuV rzhuõxMko «kÚkoLkk fhu Au.

þk¾k rðfkMk Mkr{ríkykuLke fk{økehe :

çkUfLke økúknf Mkuðk{kt W¥khku¥kh MkwÄkhku ÚkkÞ íku {kxu íkÚkk çkUfLku Mk{ksLkk «ríkrcík {nkLkw¼kðkuLkk yLkw¼ð yLku MktçktÄkuLkku ÷k¼ {¤u íkuðk ykþÞÚke, çkUfu þk¾k rðfkMk Mkr{ríkykuLke h[Lkk fhe Au su {kuxk¼køkLke þk¾kyku{kt fkÞohík Au. yk Mkr{ríkykuLke r{xªøkku ÷øk¼øk Ëh çku / ºký {rnLku {¤u Au su{kt çkUfLkk rzhuõxh©e íkÚkk yLkw¼ðe yrÄfkheyku nkshe ykÃku Au. r{xªøk{kt MkÇÞku íkhVÚke {¤íkkt Mkq[Lkku Ãkh ykð~Þf fk{økehe fhðk{kt ykðu Au. Mkr{ríkLke r{xªøkku{kt {¤íkkt Mkq[LkkuÚke, çkUfLkk fk{{kt økríkþe÷íkk ykðu Au. Mkr{ríkLkk MkÇÞkuLke yuLk.Ãke.yu. ÚkÞu÷k ¾kíkkyku{kt ðMkq÷kík{kt Ãký õÞkhuf {ËË ÷uðkÞ Au. Mkr{ríkLkk MkÇÞku íkhVÚke {kfuox RLxu÷esLMkLkk fk{{kt Ãký sYh Ãkzu {ËË ÷uðkÞ Au. íkËTWÃkhktík çkUf íkuLke MkuðkykuLkku ÔÞkÃk ðÄkhðk þk¾kyku{kt økúknf r{÷Lk Mk{kht¼ Þkusu Au. yk fkÞo¢{ku{kt Ãký þk¾k rðfkMk Mkr{ríkykuLkk r¢Þkþe÷ MkÇÞkuyu Mkr¢Þ nkshe ykÃke y{Lku «kuíMkkrník fhu Au. çkUfLkwt çkkuzo ykuV rzhuõxMko yk Mkðuo MkÇÞkuLkku íku{Lke {kLkËT Mkuðk çkË÷ ¾qçk ¾qçk yk¼kh {kLku Au yLku ðÄw Mkr¢Þ Vk¤ku ykÃkðk rðLktíke fhu Au.

çkutfLku {¤u÷k yuðkuzTÍo :

ð»ko ËhBÞkLk Mkw«rMkØ çkU®føk {uøkuÍeLk “çkU®føk £LxeÞh” îkhk ykÃkýe çkUfLku [kh ÃkwhMfkh «kó ÚkÞu÷ Au.

1. çkuMx NPA {uLkus{uLx

2. çkuMx økúeLk RLkeMkeyuþLk

3. VeLkkLMkeÞ÷ r÷xhMke

4. çkuMx fMx{h yuõðeSþLk

WÃkhktík hõíkËkLk ûkuºku fhu÷ Lk{wLkuËkh fk{økehe çkË÷ RLzeÞLk huz¢kuMk MkkuMkkÞxe-y{ËkðkË rzMxÙeõx çkúkt[ îkhk ykÞkursík yuðkuzo Mk{kht¼{kt ykÃkýe çkUfLku “ðuÕÞwyuçk÷ ÃkkxoLkh yuLz ykWx MxuLzªøk fuBÃk ykuøkuoLkkRÍh”, Lkku ð»ko 2017-18 Lkku yuðkuzo økwshkík hkßÞLkk hkßÞÃkk÷ {kLkLkeÞ©e yku. Ãke. fkun÷eSLkk nMíku {¤u÷ Au.


17

{kfuo®xøk rð¼køkLke fk{økehe:

«ÄkLk{tºke ykðkMk ÞkusLkk nuX¤ MkwtËh fk{økehe fhðk çkË÷ Mkíkík çkeò ð»kuo Ãký 2017-18 Lkk ð»ko {kxu ¼khíkLke ík{k{ Mknfkhe çkUfku Ãkife Võík ykÃkýe çkUfLku Lkk{ktfeík fhðk{kt ykðu÷ yLku MkuLxÙ÷ fuçkeLkux {eLkeMxh, nkWMkªøk yLku yçkoLk yuVMko ©e nhrËÃkMkªøk ÃkwheLkk þw¼ nMíku Lkðe rËÕne ¾kíku ÞkuòÞu÷ Mk{kht¼{kt yuðkuzo yuLkkÞík fhðk{kt ykðu÷ Au.

yk WÃkhktík {kfuoxªøk rð¼køk îkhk MxuBÃk £u®føk Mkuðk{kt ze.yuMk.yu. rLk{ýqtf, nwzfku MkçkMkeze, økwshkík nkWMketøk çkkuzo MkkÚku xkEyÃk, ÃkMkoLk÷ yufMkezLx ðe{ku, sLkh÷ ELMÞwhLMk, ÷kEV ELMÞwhLMk yLku MSME Meet, fMx{h {ex suðk 47 EðuLx ð»ko ËhBÞkLk fhðk{kt ykðu÷ Au. íku{s 2017-18Lkk ð»ko{kt MkçkMkeze {kxu Ãkkºkíkk Ähkðíke nkWMkªøk ÷kuLkLkk 238 ÷k¼kÚkeoykuLku Yk. 5.16 fhkuzLke MkçkMkeze hf{Lkku ÷k¼ yÃkkðu÷ Au. yk{, Mk½Lk {kfuo®xøk îkhk Ëhuf økúknfLku çkUfLke rðrðÄ «kuzõxTMk Mk{òððk çkË÷ çkUfLkk [eV zuð÷kuÃk{uLx ykurVMkh ©e Äe{tíkhkuÞ íkwh¾eÞk yLku íku{Lke {kfuo®xøk xe{Lku çkkuzo yr¼LktËLk ÃkkXðu Au.

{kLkð MktþkÄLk rðfkMk yLku fkiþÕÞðÄoLk :

ykÃkýe çkUfLke {uLkus{uLx çkUfLkk {kLkð MktþkÄLkLku çkUfLke «økrík{kt {níðLkwt ÞkuøkËkLk ykÃkíkk ytøk íkhefu Mðefkhu Au. ykÚke f{o[kheykuLkk WíMkknLku ò¤ðe hk¾ðk íku{Lku Mktíkku»kfkhf ðuíkLk, yLÞ Mkøkðzku, WíÃkkËfíkk MkkÚku Mktf¤kÞu÷ çkkuLkMk, «{kuþLk, yuðkuzTÍo, RLkk{, «{kýÃkºkku ðøkuhu ykÃku Au. ð»ko{kt yuf ð¾ík f{o[kheykuLku MknÃkrhðkh yk{trºkík fhe, íku{Lkwt ònuh fkÞo¢{{kt MkL{kLk fhðk{kt ykðu Au. f{o[kheykuLkkt çkk¤fkuLku Ãký íku{ýu {u¤ðu÷e rðþu»k rMkÂæÄ çkË÷ ÃkwhMf]ík fhðk{kt ykðu Au.

çkUfLkk f{o[kheykuLke ÷u¾Lk ûk{íkkLku «kuíMkkrník fhðk çkUf nkWMk sLko÷ “f{oÛÞ” «fkrþík fhu Au. çkUfLkwt nkWMk sLko÷, yuLkk {krníkeMk¼h ÷u¾ yLku yLÞ rðrðÄíkkykuLku fkhýu ðk[fkuLku ½ýwt s WÃkÞkuøke çkLÞwt Au. çkkuzo ykuV rzhuõxMko íkuLkk MktÃkkËf {tz¤Lku yr¼LktËLk ykÃku Au. çkUfLkk ÃkwMíkfk÷Þ{kt

rðrðÄ rð»kÞkuLkkt ÃkwMíkfku, Mkk{krÞfku, ðíko{kLkÃkºkku, Tabloids ðøkuhu ðMkkððk{kt ykðu Au. çkUfLkk f{o[kheykuLke ðkt[Lk «íÞu Yr[ ðÄkhðk f{o[kheykuLkk ½hu y¾tz ykLktË / sLk fÕÞký suðkt Mkk{rÞf ÃknkU[kzðk çkUf îkhk ÷ðks{ ¼hðk{kt ykðu÷. çkUfLkk ¼qíkÃkqðo f{o[kheyku MkkÚkuLkku MktçktÄ Sðtík hnu íku {kxu çkUf LkkLkk {kuxk fkÞo¢{ku{kt íku{Lku yk{trºkík fhu Au.

çkUf îkhk JAIIB / CAIIB Ãkheûkk {kxu rLk:þwÕf ðøkkuo [÷kððk{kt ykðu Au suLkku ÷k¼ ykÃkýe çkUfLkk f{o[kheyku WÃkhktík yLÞ çkUfkuLkk ½ýkt f{o[kheyku ÷u Au. ð»ko Ëhr{ÞkLk

ykÃkýe çkUfLkk 34 f{o[kheykuyu JAIIB, 14 f{o[kheykuyu

CAIIB, 23 f{o[kheykuyu AML-KYC íku{s 2 f{o[kheykuyu

VkuhuLk yuõMk[uLs ykuVeMkhLke, 2 f{o[kheykuyu ykR.xe. MkeõÞwhexe, 3 f{o[kheykuyu zeSx÷ yu{yuMkyu{R íkÚkk Mke.Mke.yku. Ãkheûkkyku ÃkkMk fhe Au. yk heíku fkiþÕÞ «kó fhu÷k f{o[kheyku îkhk çkUf økwýð¥kkÞwõík økúknf Mkuðk ykÃke þfu Au.

çkkuzo ykuV rzhuõxMkoLkk MkÇÞ©e fu.fu. Ãkxu÷Lke Mkuðkyku :

çkUfLkk çkkuzo ykuV rzhuõxMkoLkk MkÇÞ©e ¾kuzk¼kR fu. Ãkxu÷ íku{Lke ÔÞMíkíkkLku fkhýu çkUfLku íku{Lke Mkuðkyku ykÃke þfu íku{ Lk nkuðkÚke íkk.12-04-2018Lkk hkus hkSLkk{wt ykÃku÷ Au, suLku çkkuzo ykuV rzhuõxMko©eLke íkk. 17-04-2018Lke {exªøk{kt MkðkoLkw{íku Mðefkhu÷ Au.

©e ¾kuzk¼kR fu. Ãkxu÷ yu rzhuõxh íkhefu MkLku 2002-2003Lkk ð»koÚke Mkíkík 16 ð»ko MkwÄe çkUfLku ÃkkuíkkLkku ®f{íke Mk{Þ Vk¤ðeLku Mkuðkyku ykÃke Au. çkkuzoLkk MkÇÞ íkhefu íku{ýu ÃkkuíkkLkk rðþk¤ yLkw¼ðÚke çkUfLku sYhe {køkoËþoLk ykÃku÷ Au. yk WÃkhktík çkUfLke rðrðÄ fr{xeykuLkk MkÇÞ íkhefu hne íkuyku©eyu ÃkkuíkkLkk çknku¤k yLkw¼ðÚke ¾qçk s WÃkÞkuøke {køkoËþoLk ykÃku÷ Au.

íkuyku©eLkk rðþk¤ MktçktÄkuyu çkUfLkk ÄtÄkLkk rðfkMk {kxu ¾qçk s WÃkÞkuøke hnu÷ Au.

çkUfLkwt çkkuzo ykuV rzhuõxMko íku{Lke yk MkuðkykuLke LkkUÄ ÷R yk¼kh ÔÞõík fhu Au.

©e rfhex¼kR hk{¼kR Ãkxu÷Lke fku-ykuÃx rzhuõxh íkhefu rLk{ýqtf:

©e rfhex¼kR hk{¼kR Ãkxu÷ {nuMkkýk rsÕ÷kLkk fze økk{Lkk ðíkLke Au, suyku nk÷{kt y{ËkðkË{kt hnu Au. íkuyku©e LkrzÞkËLke òýeíke yuLSLkeÞhªøk fku÷us, Ä{o®Mkn ËuMkkR RLMxexâwx ykuV xufLkku÷kuS{ktÚke fur{f÷ yuLSLkeÞh ÚkÞk Au. {uMkMko fkuh÷ Vk{ko fur{f÷ r÷. Lkk íkuyku©e {uLkuStøk rzhuõxh Au. fur{f÷ yuLSLkeÞhªøk ûkuºku, ¾kMk fheLku Ãkku÷e{h xufLkku÷kuS ytøku íkuyku©e Ÿzw ¿kkLk Ähkðu Au. íkuyku©eyu ykÃkýe çkUf{kt çkkuzo ykuV rzhuõxMkoLke r{xªøk{kt yk{trºkík íkhefu nksh hne çkUfLkwt RLzMxÙeÞ÷ rÄhký ðÄkhðk íku{Lkk çknku¤k yLkw¼ð yLku MktÃkfkuoLkku ÷k¼ çkUfLku ykÃku÷ Au. íkuyku©eyu çkUf{kt rzhuõxh çkkuzo{kt yk{trºkík MkÇÞ íkhefu ykÃku÷ MkuðkykuLku æÞkLk{kt ÷R íkk.17-04-2018 Lkk hkus {¤u÷ çkkuzo ykuV rzhuõxMkoLke Mk¼k{kt Ãkuxk rLkÞ{ 34 (ze) {wsçk fku-ykuÃx rzhuõxh íkhefu MkðkoLkw{íku íkuyku©eLke rLk{ýqtf fhðk{kt ykðu÷ Au.

©Øktsr÷ :

çkUfLkk ¼qíkÃkqðo rzhuõxh©e rðê÷¼kR nu{ËkMk Ãkxu÷Lkwt íkk.06-04-2018Lkk hkus y{uhefk {wfk{u yðMkkLk ÚkÞu÷ Au. íkuyku©e 9 ð»ko MkwÄe rzhuõxh ÃkËu hÌkk níkk. çkUfLke çkkuzoLke {exªøk{kt íku{Lke nkshe Mk¢eÞ hnuíke níke.


18

íkËTWÃkhktík, çkUfLke fk÷wÃkwh þk¾k{kt fk{ fhíkk f{o[khe ¼kR©e Ëuðktøk¼kR ÄŠ{c¼kR ËðuLkwt yfk¤ yðMkkLk ÚkÞu÷ Au. íkuyku ¾qçk s yLkw¼ðe yLku r[ðxÚke fk{ fhLkkhk yrÄfkhe níkk.

yk Mkðuoyu çkUfLku ykÃku÷e MkuðkykuLke LkkUÄ ÷R, çkUfLkwt çkkuzo ykuV rzhuõxMko, íkuykuLkk ykí{kLku Ãkh{kí{k r[hþktrík yÃkuo íkuðe «kÚkoLkk fhu Au.

yk¼kh ËþoLk :

çkUfLkk fkÞoûk{ ðneðx{kt {ËËYÃk ÚkLkkh íkÚkk çkUfLku «økríkLkk Lkðkt MkkuÃkkLk Mkh fhðk{kt MknkÞ¼qík ÚkLkkh Mk¼kMkËku, økúknfku, þw¼uåAfku yLku f{o[kheøkýLkku çkkuzo ykuV rzhuõxMko ytík:fhýÃkqðof yk¼kh {kLku Au.

çkUfLkk Mkt[k÷Lk{kt MknkÞ¼qík ÚkLkkh rhÍðo çkUf ykuV RÂLzÞkLkk rhSÞkuLk÷ rzhuõxh©e su. fu. ËkMk, rhÍðo çkUfLkk rzÃkkxo{uLx ykuV fku-ykuÃkhuxeð çkUõMk MkwÃkhrðÍLkLkk [eV sLkh÷ {uLkush ©e ykh.yuMk. þ{ko, fku-ykuÃkhuxeð çkUõMk MkwÃkhrðÍLk rzÃkkxo{uLx, y{ËkðkËLkk sLkh÷ {uLkush, ©e ðe. htøkkhkð, VkuhuLk yuõMk[uLs rzÃkkxo{uLxLkk zuÃÞwxe sLkh÷ {uLkush©e ykh. fu. çk{oLk, MkuLxÙ÷ hSMxÙkh, fku.ykuÃk. MkkuMkkÞxeÍ Lkðe rËÕneLkk ©e ykþe»k¼kR ¼wxkLke, økwshkík hkßÞLkk Mknfkh ¾kíkkLkk hSMxÙkh©e Lk÷eLk¼kR WÃkkæÞkÞ økwshkík yçkoLk fku.ykuÃk. çkUõMk VuzhuþLkLkk [uh{uLk ©e ßÞkuríkLÿ¼kR {nuíkk, y{ËkðkË Mkexe yuLz rzMxÙeõx fku.ykuÃk. çkUõMk yuMkkuMkeyuþLkLkk [uh{uLk©e Lk÷eLk¼kR Ãkxu÷, økwshkík Mxux fku.ykuÃk. çkUf íkÚkk y{ËkðkË rzMxÙeõx fku. ykuÃk. çkUf r÷. Lkk [uh{uLk ©e ysÞ¼kR Ãkxu÷Lkku, íku{ýu ykÃku÷k Mknfkh çkË÷ çkkuzo yk¼kh {kLku Au.

ykÃkýe çkUfLkk hkusçkhkusLkk fk{{kt {ËË fhíke MktMÚkkyku suðe fu SEBI, NSDL íkÚkk yLÞ çkUfku suðe fu ËuLkk çkUf, çkUf ykuV çkhkuzk, Mxux çkUf ykuV RÂLzÞk, HDFC çkUf, ICICI çkUf, fkuÃkkuohuþLk çkUf, ÞwrLkÞLk çkUf ykuV RÂLzÞk, MkuLxÙ÷ çkUf ykuV

RÂLzÞk, IDBI çkUf, SIDBI, ECGC, FEDAI, CCIL, NPCI, IBA

íkÚkk rðËuþe çkUfku suðe fu HABIB Bank, Commerz Bank, Bank

of Novaskotia ðøkuhuLkk yrÄfkheykuLkku yk «Mktøku çkkuzo yk¼kh {kLku Au.

çkUfLkk Mkðuo ykurzxMko, MxuåÞwxhe ykurzxMko, ÷eøk÷ yuzðkRÍMko, ðuÕÞwyMko yuzðkufuxTMk MkðuoLkku yk «Mktøku yk¼kh {kLkeyu Aeyu. ¾kMk fheLku çkUfLkk r÷øk÷ yuzðkRÍh©e h{uþ¼kR çkkhkux, ©e rníkuþ¼kR þkn, ©e síkeLk¼kR þuX íkÚkk ©e LktËeþ¼kR [wzøkhLkku ð»ko ËhBÞkLk íku{ýu ykÃku÷ Mknfkh çkË÷ çkkuzo yk¼kh {kLku Au.

çkUfLkk «kuVuþLk÷ yLku ÃkkhËþof Mkt[k÷Lk íkÚkk rðfkMk{kt Mkíkík MkkÚk ykÃkLkkh çkUfLkk çkkuzo ykuV rzhuõxMkoLkk Mkðuo MkÇÞ©eykuLkku y{u ytík:fhýÃkqðof yk¼kh {kLkeyu Aeyu.

çkUfLke fk{økehe{kt nt{uþk MknkÞYÃk Úkíkk [uh{uLk yu{urhxTMk ©e ytçkw¼kR Ãkxu÷, ðkRMk [uh{uLk©e r{Lkuþ¼kR Ãkxu÷, yu{.ze. ©e Ãke.yuV.¼Y[kLkku y{u Éý Mðefkh fheyu Aeyu. çkUfLkk ykurzx/RLMÃkuûkLkLkk fk{fks{kt íkÚkk Human Resources

Management Lke fk{økehe{kt y{qÕÞ ÞkuøkËkLk ykÃkðk çkË÷, [kxozo yufkWLxLx yLku çkUfLkk «kuVuþLk÷ rzhuõxh©e fkirþf¼kR Ãkxu÷Lke íkÚkk çkUfLkk RLVh{uþLk xufLkku÷kuS MktçktÄe fk{fks{kt y{qÕÞ Mk÷kn ykÃkðk çkË÷ zkÞhuõxh©e rfhex¼kR Ãkxu÷Lkku, CA ©e fuíkw÷¼kR Ãkxu÷ íkÚkk ©e hkrn÷¼kR Ãkxu÷Lke MkuðkykuLke çkkuzo Mkk¼kh LkkUÄ ÷u Au.

çkUfLke r«{kRMkeMk yuLz RõðeÃk{uLx fr{rxLkk MkÇÞ íkhefu Mkuðkyku ykÃkíkk rzhuõxh©e nMk{w¾¼kR Ãkxu÷ rzhuõxh©e fu. fu. Ãkxu÷ íkÚkk rzhuõxh©e rçkÃkeLk¼kR þkn íkÚkk rzhuõxh©e ¼÷k¼kR Mke.Ãkxu÷Lke MkuðkykuLke çkkuzo Mkk¼kh LkkUÄ ÷u Au. íkËTWÃkhktík çkUfLkk nt{uþk rník®[Ëf Ãkqðo MkktMkË©e MkwhuLÿ¼kR Ãkxu÷ yLku Mke.yu. ©e rLkÃk{¼kR þknu ð»ko Ëhr{ÞkLk ykÃku÷ Mk÷kn Mkq[Lkku çkË÷ çkkuzo yu{Lkku yk¼kh {kLku Au. çkUf îkhk MSME ûkuºku rÄhký ðÄkhðkLke fk{økehe{kt y{qÕÞ ÞkuøkËkLk ykÃkðk çkË÷ rzhuõxh©e ytçkh¼kR Ãkxu÷ íkÚkk ©e rfhex¼kR Ãkxu÷Lkku íku{s çkUfLkk fk{fks{kt y{qÕÞ Mk÷kn Mkq[Lk ykÃkðk çkË÷ zkp. rËLkuþ¼kR yu{. y{eLkLke, íku{s Mkw©e ÃkqðeoçkuLk Ãkku¾rhÞk÷Lke, ©e{íke {kÄðeçkuLk Ãkxu÷Lke íkÚkk {kR¢ku VkÞLkkLMk ûkuºku Mkuðkyku ykÃkíkkt ©e{íke r{¥k÷çkuLk Ãkxu÷Lke MkuðkykuLke çkkuzo Mkk¼kh LkkUÄ ÷u Au. þk¾k rðfkMk fr{rxykuLkk Mkðuo MkÇÞ©eykuyu ykÃku÷ MkuðkykuLke çkkuzo MkhknLkk fhu Au.

çkUfLkk çkkuzo ykuV rzhuõxMkoLkk Mkr[ð©e {nuLÿ¼kR Ãkxu÷, sLkh÷ {uLkush©e rðLkkuË¼kR ËkË÷kýe, ðrhc yrÄfkheyku Mkrník ík{k{ yrÄfkheøký, þk¾k {uLkushku íkÚkk Mkðuo f{o[kheøkýu rLkck yLku ðVkËkheÃkqðof fhu÷e fk{økeheLke fËhÃkqðo LkkUÄ ÷R MkðuoLku ÄLÞðkË ykÃkeyu Aeyu.

çkUfLkwt çkkuzo ykuV rzhuõxMko, ðíko{kLkÃkºkku, Mkk{krÞfku yLku xe.ðe. r{zeÞkLkku íku{ýu ykÃku÷k Mknfkh çkË÷ yk¼kh ÔÞõík fhu Au.

çkUfLkku rðfkMk ykÄwrLkf rð[khÄkhk yLku Ãkrhýk{÷ûke çkU®føkLkk MktfÕÃk MkkÚku ÚkR hÌkku Au. y{khku ykþÞ fkÞoûk{ yLku økúknf÷ûke ðÄwLku ðÄw Mkuðkyku ykÃke «økríkLkk ÃktÚk Ãkh ÍzÃkÚke fq[ fhðkLkku Au. y{u ykþk hk¾eyu Aeyu fu ykÃk MkðuoLkku nkŠËf MknÞkuøk çkUfLku MkËkÞ {¤íkku s hnuþu.

ykÃk MkðuoLkku ÃkwLk: yk¼kh,

ykLkku ¼ÿk¢íkðku ÞLíkw rðïík:

y{Lku Mkðuo rËþkykuÚke þw¼ rð[khku «kÃík Úkkyku !!

çkkuzo ykuV rzhuõxMko ðíke,

LkðLkeík¼kR Mke. Ãkxu÷, [uh{uLk.19


Dear, Share Holders Brothers and Sisters

We, the Board of Directors, have great pleasure in

presenting 48th Annual Report on the business and

operations of the bank along with Annual accounts,

the Statutory Auditors’ Report and details of

activities done by our bank for the year 2017-18.

Bank’s performance during the year 2017-18 -

Total Business mix of ` 10399 Crores

During the year, the performance of our bank in the

area of deposit, advances and profitability was

satisfactory. Bank’s total business has reached to

` 10399 crore at the end of the year 2017-18.

Share Capital, Reserves and Capital

Adequacy Ratio

Bank’s authorized share capital is ` 125 crore. As

against this, bank’s paid up share capital is at ` 88.05

In the financial year 2017-18, the bank has achieved

satisfactory results in the challenging environment

through concerted support & co-operation of all the

Board members, shareholders, well wishers,

customers and staff members.

Out of 56 branches, 37 branches have crossed a

business mix of ` 100 crore, of which 17 branches

have crossed business mix of ` 200 crore. 25

branches have deposits above ` 100 crore and 6

branches have advances above ` 100 crore. Ashram

Road branch with deposits of ` 675 crore and SME &

Mid Corporate branch with advances of ` 1005 crore

rank first.

Board of Directors convey appreciation to employees

and officers of these branches.

crore as at the end of the year 2017-18 which shows

an increase of 0.80 % over the previous year. Total

number of members stood at 51712. Bank has

advised all members of our bank to provide their

BOARD OF DIRECTORS’ REPORT

Item 2016-17 2017-18 % change

Share capital 87.35 88.05 (+) 0.80

Membership 53817 51712 (-) 3.91

Reserves 1017.34 1121.41 (+) 10.23

Deposits 6249.82 6495.90 (+) 3.94

Advances 4221.19 3903.39 (-) 7.53

Investments (including Govt. Securities 2879.07 3473.26 (+) 20.63

and Bank deposits)

Working Capital 7705.66 8102.13 (+) 5.15

Net profit 85.82 110.24 (+) 28.45

Gross income 651.34 690.21 (+) 5.97

Gross Expenses 504.07 498.26 (-) 1.15

Credit / deposit ratio 67.54% 60.09% (-) 11.03

CRAR 16.88% 16.73% (-) 0.89

Gross NPA 61.98 70.56 (+) 13.84

(1.47%) (1.81%)

Net NPA 0.00 0.00 -

Key Financial Indicators of the Bank

(Rs. in Crore)

20


KYC by sending individual letters, publishing the

same in Annual Report, local newspaper, displaying

the notices on Notice board of the branches etc.

Even after that, several members have not provided

their KYC and therefore bank has cancelled their

membership which has resulted into decrease in

total number of members. Bank has also intimated

shareholders of merged banks to provide KYC by

sending individual letters, publishing the same in

Annual Report, local newspaper, displaying the

notices on Notice board of the branches etc. Even

after that several members have not provided their

KYC and therefore merged bank’s share capital which

was reflected under Head of “Other Liabilities” in the

Balance sheet is transferred to “Capital Reserve

Fund”. Udhna Citizen Co Op. bank Ltd. is merged

with our bank. At the time of merger, said bank was

incurring losses. As per merger scheme approved by

Reserve Bank of India, if ` 5.00 Crores from

Unrecoverable advance is recovered then only share

capital amount was to be returned to those

shareholders of Udhna Citizen Co Op. bank Ltd who

comply KYC norms. Since ` 5.00 Crores as per

Merger scheme was not recovered, share capital

lying under Head of “Other Liabilities” is transferred

to “Share Capital Reserve Fund”.

Bank’s Total reserves stood at ` 1121.41 crore at the

end of the year registering growth of 10.23%. The

CRAR of the bank stood at 16.73 %. This can be

considered quite satisfactory as compared to 9%

benchmark prescribed by RBI.

Thus, continuous increase in share capital, increase in

bank’s reserves and satisfactory CRAR are indicators

of sound and professional administration of our

bank.

Growth in Deposits – Total deposits

` 6495.90 crore, growth of 3.94 %

At the end of the year, bank’s deposits have reached

to ` 6495.90 crore with growth of 3.94%. Reserve

Bank of India has cut Repo rate by 0.25% in August

2017 and therefore banks have reduced interest

rates of deposits. This has resulted into decrease in

overall deposits of the bank as depositors shifted

their investment from deposits to Mutual Funds,

Insurance, alternate avenues of investment. Despite

this, banks’ deposits have grown. Bank’s CASA

deposits stood at ` 2039.56 crore, forming 31.40% of

total deposits. Board of Directors believes that

profitability of the bank depends mainly upon CASA

deposits. Hence entire Board and staff members put

in continuous efforts for increase in CASA deposits.

As a result, 42766 new savings accounts and 4353

new current accounts were opened during the year.

Bank extends several benefits to premium / privilege

/ special type savings / current account holders.

Bank extends various services like mobile banking,

internet banking, free debit cards, various insurance

schemes of Government and other technology

supported services due to which customer base of

the bank has increased. Bank lays immense

importance to Excellent customer service. Board of

Directors request members and well-wishers to

extend full support for contribution in increasing

customer base.

Our bank regularly pays premium on deposits to

Deposit Insurance and Credit Guarantee Corporation

(DICGC) and comply with extant guidelines of the

Reserve Bank of India.

Total Advances – ` 3903.39 crore

Various efforts made by certain branches for

increasing advances are appreciable. Bank’s Mumbai

based branches, Kalbadevi and Andheri had LC bill

discounting business of ` 924.93 crores as on

31.03.2017 which has reduced to ` 81.40 crores on

31.03.2018. Considering various risks associated with

LC bill discounting as well as low yield in LC bill

discounting advances, bank has given priority to

Regular advances. Regular advances excluding LC

bill discounting advances have increased from

` 3296.24 Crores as on 31.03.2017 to ` 3821.99

Crores as on 31.03.2018 thus achieving growth of

15.97%. There has been considerable growth in

Bank’s Cash credit and Term loan type of advances.

Thus despite of decrease of ` 843.53 Crores in LC bill

discounting Advances, total advances of the bank

has reached to ` 3903.39 Crores which shows

21


negligible decrease in advances as compared to

previous year advances of ` 4221.19 Crores.

As a result of reduction in advances, Credit deposit

ratio of the bank has reached to 60.09% which was

67.54% in previous year. With a view to increase

advances, bank has already started efforts from

beginning of the financial year. Bank also provides

various retail loans like Home loan, Car loan,

Education loan at attractive interest rates. Bank

expects considerable growth in advances during

Current Financial Year by putting all efforts by staff

members, Board members and seeks support from

members and customers.

Bank is charging very competitive interest rates on

advances, the benefit of which is availed by many

customers. The MSME sector in our country plays

vital role in economic development and employment

generation. Bank is, therefore arranging meetings of

entrepreneurs of this sector to increase MSME

advances. Moreover Agro based industries are

offered concession in interest rate on advances. Bank

extends Housing finance at very attractive rate of

interest. Apart from that, bank also offers various

retail products at very attractive interest rates. The

borrowers having better credit rating are given

concession in interest rate under Credit Rating

scheme introduced since last few years. The rating

scheme is modified so as to make it more beneficial

to the customers. The staff at branch level, officers

and executives of Head Office, the officials of

marketing department and the members of Board of

Directors, all associated in the process of grant of

advances; ensure careful scrutiny of credit proposals.

Bank makes continuous efforts to maintain quality of

advances and avoid the accounts to fall into NPA

category. The Board of Directors congratulates all

those who are involved in this work.

Priority sector advance

As per RBI guidelines, UCBs have been given target

to achieve Priority Sector Advances @ minimum 40%

of their Adjusted Net Bank Credit and 10 % advances

to Weaker section. Accordingly, our bank’s advances

to Priority sector constitutes 43.77% at the end of

the year 2017-18, which was 48.34% at the end of

previous year. The weaker section advances are

6.31% of Adjusted Net Bank Credit, as compared to

previous year of 6.45%. Bank has been making

sincere efforts to increase finance to Weaker

Sections.

To increase Weaker Section advances, bank has

established a separate MICRO Credit Division and

certain potential centers like Bapunagar, Nikol,

Memco, Vadaj in Ahmedabad and Udhna

Udyognagar in Surat have been identified to

increase Micro credit advances. Bank has started

Mobile Van to provide door step services to such

weaker section of the society. Mobile Van is

providing banking services at Behrampura,

Majurgam, Dani Limda, Parishitnagar, Bhudarpura,

Ramdevnagar etc.

Finance to MSME sector

Our bank has been focusing on increasing MSME

advances. Accordingly, sincere efforts are being

made to increase finance to this sector. Bank has

selected fourteen branches in the industrial areas for

extending finance to MSME units. Bank’s finance to

this sector has reached to ` 1473 crore. To increase

MSME advances, bank is regularly conducting

customer meets and revising products based on

customers’ feedback.

Micro credit – Women Empowerment

Since last few years, our bank has taken various steps

to increase Micro Credit Advance and thereby

supports Weaker Section of the society to avail

affordable finance and upliftment of their social

wellbeing. A separate Division has been formed in

the bank for systematic planning and focused

attention on micro credit. Major beneficiaries of

micro credit are women and such advances provide

them employment opportunities as well as support

their families. Due to such advances, standard of

living of women beneficiaries has improved and they

have become financial literate. This is a forward step

towards women empowerment. During the year

2017-18, bank has extended finance of ` 6.29 Crore

to 2321 women beneficiaries. Since 2012, Bank has

extended finance of ` 23.18 Crore to more than 9700 22


beneficiaries. The organizations such as Vicharta

Samuday Samarthan Manch and Jyoti Sangh,

working for the empowerment of women help our

bank in this work.

Managing Trustee of Vicharta Samuday Samarthan

Manch, Smt. Mittalben Patel and her co-workers help

bank in extending Micro credit finance and ensuring

timely recovery.

The Board of Directors conveys appreciation to the

employees / field workers involved in this work and

advises them to ensure that the advances portfolio

under this category remains healthy.

Non Performing Assets (NPAs) – Gross NPAs

– 1.81%, Net NPAs – 0.00%

When the entire banking industry in our country is

facing problem of considerable increase NPAs, Gross

NPA of our bank has reached to ` 70.56 Crore at the

end of the year 2017-18 which is only 1.81% of total

advances. (It also includes NPA of erstwhile merged

banks with our bank). Our bank has recovered ` 38

Crore in NPA accounts.

As per RBI guidelines, bank is required to make a

provision of ` 64.32 crore for standard advances as

well as NPAs. However, since our bank has made a

total provision of ` 171.40 crore, Net NPAs of our

bank have remained at zero percent as in the past

several years.

During the year under review, our Board has

approved writing off 170 Non-performing assets

accounts, after granting relief in principal,

debited interest, penal interest, other expenses,

after pursuing all efforts for recovery in such

accounts. These 170 accounts, include 89

accounts in which relief is granted to the tune of

` 161.12 lakh in principal amount. The Board has

taken this decision in terms of authority given to

it by the General Body. The Board requests this

house to ratify the action of the Board. Board

requests this house to give permission to the Board

to write off such Non-performing accounts during

the year 2018-19 also.

Recoveries in written off accounts

Our bank pursued a policy of prudential write-off of

certain NPA accounts every year in the past, in which

chances of any recovery were very rare. All such

accounts were actually written off at the end of the

year 2013-14 with the permission of General Body.

However, the efforts of recovery are kept on by bank.

We are happy to state that during the year 2017-18,

our bank has recovered a significant amount of

` 1.11 crore from these accounts. Board appreciates

the efforts of the Bank’s Recovery Deptt for the work

done.

Finance to Directors of our Bank

The directors of our bank and their relatives as

defined by RBI are not granted any kind of finance

by our bank, except loan / overdraft against fixed

deposits standing in their own name, and thus bank

strictly comply with RBI guidelines in this regard.

Investments – ` 3473.26 crore

Our bank’s total investments were to the tune of

` 2879.07 crore at the end of the year 2016-17,

which has increased to ` 3473.26 crore at the end of

the year 2017-18. This includes investments under

SLR category of ` 1840.64 crore. Non-SLR category

of ` 597.70 crore, deposits with other banks of

` 924.70 crore and CCIL CBLO lending of ` 109.94

crore. Our bank has created an Investment

Depreciation Reserve of ` 86.42 crore to guard

against possible risks, as per RBI guidelines. Further,

Investment Fluctuation Reserve of the bank stood at

` 31.21 Crores. Bank is taking adequate care to

ensure that the investments of bank are safe and

secured. Bank made profit of ` 3.33 crore from

trading of Government Securities.

Risk Management

The banking systems and procedures, technological

changes and market risks have undergone sea

change in the present time. As a result, Risk

Management has gained lot of importance. Banks

have to manage mainly Operational Risk, Credit Risk

and Market Risk. Our bank has established adequate 23


practices and procedures to manage these risks.

Bank has formed investment committee to study

market risk, which meets periodically and takes

appropriate decisions. The credit risk is mitigated by

regular audit, inspection, decentralization of powers

to sanction advances, fixation of exposure ceilings,

monitoring, credit rating etc. Bank ensures risk based

supervision of branches. Bank’s Audit committee also

focuses on these areas. Being an authorized dealer

in Forex, having AD category 1 license, our bank has

to face country risk also. We have been focusing

Bank-wise & Country-wise exposures and they are

reviewed from time to time. The Asset Liability

Committee meets periodically to study and manage

liquidity risk, and ensures timely submission of

liquidity returns to RBI and also takes care to avoid

any possible default in maintenance of CRR / SLR.

Board acknowledges work done by these

departments.

Thus, considering the importance of risk

management, our bank is following prudent

practices and procedures and system are being

strengthened from time to time.

Appropriation of profit and dividend –

Total income 690.21 crore

Net profit ` 110.24 crore

Dividend 15 % (proposed)

We are pleased to inform you that bank’s Total

Income has increased to ` 690.21 crore as on

31.03.2018 as compared to last year total income of

` 651.34 crore. After deducting total expenses, taxes

and provisions from this income, bank has achieved

higher Net Profit of ` 110.24 crore, which was `

85.82 crore last year. Increase in Net Profit can be

attributed mainly on account of higher income from

investments, control on expenditure and prevention

of assets falling into impaired category. As per

provision of bank’s Bye-law, Board recommends

profit distribution as below and requests this house

to approve the same.

`


24

No. Particulars Amount (`)

1 Reserve funds (25%) 27,56,06,683.67

2 Education fund 1,10,24,267.35

3 Unforeseen losses fund 11,02,42,673.47

4 Dividend (15%) 12,61,46,766.07

5 Building fund 14,11,10,622.04

6 Charity fund 1,41,11,062.20

7 Contingency fund 7,05,55,311.02

8 Investment fluctuation fund 3,33,00,000.00

9 Reserve fund 32,03,29,349.87

Total Net Profit 110,24,26,734.69

Board recommends to this house to approve

15 % dividend to pay to the shareholders for the

year 2017-18. However for a Bank, to maintain

CRAR at healthy level and ploughing back of net

profits to create high Reserve fund is equally

essential.

Assessment of Targets and Budget (Targets)

for the year 2018-19

Bank reviews achievement against the targets given

for the year and gives targets for the current year in

the beginning of every year. The targets are given

after considering the views of the concerned staff. As

this process is carried out in the beginning of the

year, the staff gets sufficient time for planning. The

branches doing admirable work in achieving the

targets are complimented. During the year, 2017-18,

our bank has done satisfactory work in achieving

various targets. Its credit goes to all Staff members,

Board of Directors, Branch Development committee

members, customers and well wishers.

The Board has also prepared budget for the year

2018-19 which is presented for approval of this

house.

Corporate governance-cum-Co-operative

governance

Nowadays, it is very essential to follow principles of

Corporate Governance by any organization and

therefore, our bank lays importance to corporate

governance in its administration. But at the same

time, our bank being a co-operative bank with large

volume of business, it is very necessary to follow the

principles of co-operative governance along with the

principles of corporate governance. Our bank

protects the interest of depositors and members of

weak co-operative banks by ensuring merger of such

banks. From 1991 to 2017, seven co operative banks

have been merged with our bank. Board of Directors

of the bank follows guidelines of Reserve Bank of

India and other regulators in letter and spirit in the

interest of members and society at large. As per RBI

guidelines, two professional directors are co opted

by Board and they provide their valuable services to

the bank. Board meets twice a month in which

majority of Directors are present. The committees

formed for extending support to the Board meet

regularly and take decisions that are helpful to the

Board. Board invites invitee members and gets

benefit of their services as and when required.

Foreign Exchange Department

Our bank is the first co-operative bank which holds

permanent AD category I license. The department

has done foreign exchange turnover of ` 10,267

crores during the year. This dept. undertakes all

Forex related transactions. Our bank offers forex

related services at highly competitive rates. Our bank

is dealing in foreign currencies like USD, GBP, Euro,

Canadian dollar, Japanese Yen, etc.

International Business Division (IBD) provides all

services related to import and export. In case of

exports, Bank provides various facilities like Export

packing credit, Foreign bills collection, foreign bills

purchase/ discounting/ negotiation etc. at very

competitive rates.

In case of imports, bank provides various facilities

like Foreign Letter of credit (FLC), Buyers credit/

Suppliers credit, Foreign Bank Guarantees etc. The

Department uses Reuters/ Bloomberg services and

dealing room is available at Ahmedabad. Bank

provides international payment facility by direct

SWIFT system. Our bank’s name is located in

International Bank Directory. We urge all

businessman and traders engaged into international

business to take maximum benefit of our foreign

exchange services.

Opening of new branches

After obtaining permission from Reserve Bank of

India, our bank has opened new branch at New S.G.

Road (Vandemantram area), Ahmedabad. With that

total number of branches has reached to 56. Since

No. Particulars 2017-18 2017-18 2018-19

(Target) (Actual Achievement) (Target)

1 Share capital 90 88.05 95

2 Reserves and surplus 1100 1121.41 1200

3 Deposits 6900 6495.90 7000

Of which CASA deposits 2000 2039.56 2100

4 Investment (including deposits with banks) 3200 3473.26 3600

5 Advances 4700 3903.39 4600

6 Working capital 8400 8102.13 8400

7 Gross income 726 690.21 766.50

8 Gross expenses 568 498.26 565.50

9 Operating profit 158 191.95 201

10 Net profit 95 110.24 114

11 NPA recovery 30 38 35

Analysis of Targets and Budget for the year 2018-19 (` in Crore)


25

last 2 years, instead of brick and mortar expansion,

our bank focuses more on digitalization, IT

supported services as well as merger and acquisition.

Merger of Siddhi Co-op Bank Ltd.

Bank has started merger process of Siddhi Co-Op

Bank Ltd, Ahmedabad with our bank in 20.08.2016.

Draft scheme of merger was unanimously approved

by shareholders in Annual General Meeting held as

on 06.06.2017. The Reserve Bank of India vide their

letter dated 10.05.2018 has given approval for

merger of Siddhi Co-Op Bank Ltd, Ahmedabad with

our bank. Now, Bank has to obtain necessary

approval / NOC from other Govt. authorities i.e.

Registrar of Co Operative Societies, Gujarat State,

Central Registrar of Co- operative Societies, New

Delhi etc. and thereafter Siddhi Co-Op Bank Ltd,

Ahmedabad will be merged with our bank.

At present, bank has 56 branches. After this merger,

3 more branches will be added and this year, total

number of branches of the bank will reach to 59.

Currency chest

The Currency Chest was inaugurated at Head office

of our bank on 03.06.2017. On this occasion,

Regional Director -Shri J.K. Das, General Manager

Issue Department - Shri A. Kamath, Dy. General

Manager - Shri Ashok Kumar and Asst. General

Manager - Smt. Sujata Vijay Raghavan from Reserve

Bank of India as well Members of Board of Directors

and Executives of Co-operative Banks were present

in large. With the opening of currency chest, our

bank will be able to manage cash operations

smoothly and will be able to extend services to other

co operative banks.

Para Banking services

Banking industry is facing fierce competition in the

present time. So, it is very necessary for banks to

earn income from sources other than core banking

activities, so as to make reasonable profit. This

income should normally meet with administrative

expenses. Our bank has not been able to reach up to

this level. Our bank, however, earns good income

from various para banking services such as Life

Insurance, General Insurance, Health Insurance,

Demat & ASBA, Stamp franking, PAN Card Insurance

etc. We request all of you to get benefit of such

services.

Internet banking

Our bank provides internet banking facility to

Corporate customers as well as Retail customers

without any cost. Bank provides Internet banking

services under secured environment and is subject to

IT security audit. Through internet banking,

customers can avail internal/ external fund transfer,

view/ print statements, know status of cheque, send

request for new cheque book issuance create Fixed

deposit, pay bills etc. services from their laptop /

desktop or mobile devices.

We expect maximum customers to avail this facility.

At the end of this year, 4000 corporate customers

and 5000 retail customers have availed this facility.

With a view to increase uses of internet banking,

bank has waived charges for NEFT/ RTGS

transactions when done through internet banking

channel. Therefore customers are advised to take

maximum benefit of these services.

Mobile banking

Our bank has started Mobile Banking facility. Under

this facility, various services like fund transfer

through IMPS, mini statement, balance enquiry,

cheque book indent, status of cheque, bill payment

are provided. We advise customers to take

maximum benefit of this facility.

Debit Card

Our bank’s debit card can be used for availing

various services. Cardholders can use this card at

Shopping Malls or can swipe that at POS machines.

This card can be used for online shopping, booking

of railway tickets, hotel booking, bill payment,

payment of insurance premium etc.

Our bank’s Debit card can be used at almost all

ATMs across India and also at more than 10 lakh

Points of Sale. We request all to use this card

extensively. Further, it gives great pleasure to

announce that, our bank has introduced RuPay

Platinum Debit Card which provides insurance cover

to the extent of ` 2 Lacs and various other facilities

such as free use of lounge at Airport in India, Cash

back offers etc.

ATM centres

Our bank has total 58 ATMs; which include five off-

site ATMs. Our ATMs extend 24 x 7 hour service and

are secured by security guards and are under CCTV

surveillance. Other bank’s ATM card holders take

maximum benefit of services of our ATMs.


26

Locker service

Our bank extends locker service at 47 branches

through more than 71000 lockers. Bank makes

earnest efforts to provide more and more lockers.

Since the locker rent charged by our bank is very

reasonable and locker halls are well furnished and

Air conditioned, more and more customers are

taking benefit of locker services.

Demat service / ASBA service

Bank’s Demat department is functioning since 1999.

All the branches of our bank extend ASBA service to

customers. Now it is compulsory to avail ASBA

service for subscribing to IPOs / FPOs. During the

year, our bank has accepted 514364 applications

under ASBA facility.

PAN card service / Gas Bill collection service

All the branches of our bank receive applications for

issue of Income Tax Permanent Account No. Bank

also extends Adani Gas Bill collection service.

E-Tax service

Our bank extends e-tax service free of charge for

payment of various taxes by our customers in

collaboration with IDBI Bank. Under this services,

customers can make payment of various taxes like

income tax, TDS, GST, custom duty, ESIC, EPFO, TDS

on sale of assets etc. Large number of customers are

availing benefit of this facility.

Stamp franking service

Various branches of our bank extend stamp franking

service to members of public. Branches provide

franking facility for any amount. Branches have also

appointed DSA for providing franking facility.

Corporate Social Responsibility

As a part of corporate Social Responsibility, our bank

encourages several activities for the benefit of

society, which include micro finance, blood donation,

donations to organisations engaged in social

activities, prizes / scholarships to meritorious

students, assistance to the kin of deceased members,

celebration of various days etc. The members of

Board of Directors support such activities by

remaining present in the various functions.

Other services

Apart from above mentioned services, bank provides

various other services like Toll free number, free E

Statements, Free SMS alerts, free Demat statements

on mobile, Missed call services for knowing account

balances, Mini statement, Marketing etc. Large

number of customers take benefit of these services.

Blood Donation

Blood donation activity is a leading social service

activity undertaken by our bank throughout the year.

The branch managers and co-ordinating officer Shri

Chandravadan Shukla are giving remarkable

contribution in this activity. During the year, 51

branches have satisfactorily arranged blood

donation camps. Bank is arranging blood donation

camps frequently and staff members and customers

give their immense contribution in that. During the

year, 69 such camps were arranged and 4861 units of

blood were collected.

Implementation of Insurance schemes of

Government of India

Our bank has done remarkable work in

implementation of insurance schemes of Central

Government. Viz Pradhan Mantri Suraksha Bima

Yojna (PMSBY) and Pradhan Mantri Jivan Jyoti Bima

Yojna (PMJJBY), launched by the Prime Minister. We

are happy to state that 19406 customers have been

covered under PMSBY and 12372 customers have

been covered under PMJJBY. Unfortunately, 21 claims

took place under schemes and all the claims have

been settled and the claim amount has been

disbursed to the claimants.

Our bank has launched personal accident insurance

scheme for the benefit of savings and current

account holders of our bank, subject to certain

conditions. During the year, 3,39,013 customers have

been covered under the scheme and bank has paid

premium for that. 13 claims took place under the

scheme and all the claims have been settled.

Celebration of International Woman Day.

With a view to give respect to women, our bank has

celebrated International Women’s Day on 8th March

2018. A seminar was organized to mark the occasion.

Bank’s woman Director and Chief Guest of this

seminar, Smt Purviben Pokhariyal addressed women

customers about woman empowerment through

financial literacy. Special guest of the function, Ms.

Bhashaben Vaghani, Brand ambassador of “Beti

Bachao”, Surat Municipal Corporation expressed her

views on women empowerment and essence of life.

The entire programme was conducted by female

staff members of our bank. More than 500 women

customers were present and made the programme


27

successful. Bank provides Housing loan and

Education Loan to women borrowers at special

concessional rates.

Donation

As per RBI guidelines, our bank makes donations of

amount equivalent to 1 % of bank’s net profit every

year. Accordingly, our bank has given donation of

` 94,48,800 during the year 2017-18 to 15

organizations like Muni Seva Ashram, Gujarat State

Chief Minister Relief Fund, U.N. Mehta Institute of

Cardiology and Research Centre, Apang Manav

Mandal, Sheth N.N. Sarvajanik Hospital, Dr. Jivraj

Mehta Smarak Health Foundations etc.

Finance For Higher Education

Our bank provides Education loan at very

competitive interest rates, benefit of which is availed

by many students. Up to the end of the year 2017-

18, bank has given Education loan to 608 students,

outstanding of which is ` 54.70 crore. At present,

bank gives education loan of ` 10 lakh for higher

study in India and of ` 50 lakh for higher study

abroad at attractive interest rates ranging fro 9.10%

to 9.25% which is perhaps lowest in banking

industry.

Kalupur Bank Scholarship Scheme

Our bank has introduced a scheme of giving

scholarship to meritorious students of members and

staff members of our bank since many years. Under

this scheme, students securing good marks in SSC,

HSC, Graduation, Post-graduation are awarded

scholarship. Under the scheme, during the year

2017-18, 183 students were given a scholarship of

` 5,42,683.

Members’ Welfare Scheme

As a part of social responsibility, bank has introduced

a scheme with a noble cause of helping family

members of deceased members, since 1997. During

the year, Bank paid ` 35,20,000 to family members of

352 deceased members.

Board prays for the homage of deceased members.

Branch Development Committees

Bank has formed Branch Development Committees

for most of the branches of our bank, comprising of

prominent personalities of society, to avail the

benefit of their experience and contacts for

improving customer service of our bank. The

meetings of such committees are held once in two /

three months in which bank’s director and

experienced officers remain present. Bank takes

necessary action for implementing suggestions

given by the members. The implementation of

suggestions brings improvement in customer

service, professionalism and momentum in bank’s

working. The committee members at times help

recovery of NPAs and give market intelligence

report. Bank organizes customer meet at branches to

increase customer base. During these customer

meet, Branch development committee members take

active part and provides encouragement. Board

respects the honorary services of the committee

members and request them to provide their

contribution in development of the bank.

Human Resources Development – Skills and

Knowledge development

Our bank’s management considers human resources

as an integral part of development of bank. So, to

keep the staff motivated, bank gives them

satisfactory wages and other facilities; productivity

linked bonus, promotions, awards, appreciation

certificates etc. Once in a year, a programme is

arranged in which all the employees are invited with

family, and deserving employees are felicitated

publicly. Children of staff members are also

felicitated for their feats in sports / educational /

cultural activities.

Bank also publishes In house journal named

‘Karmanya’ to encourage the writing skills of staff.

This In House journal has become popular because

of informative and varied articles. Library of the

bank is enriched with good number of magazines,

books, newspapers, periodicals, tabloids etc. Bank

subscribes for the magazines like ‘Akhand Anand’

and ‘Jankalyan’ on behalf of employees. Bank invites

retired employees in various functions and maintain

relationship with them.

Bank arranges free coaching classes for JAIIB / CAIIB

examination, the benefit of which is availed by

employees of several other banks also. During the

year, 34 employees of our bank cleared JAIIB, 14

employees cleared CAIIB, 23 employees cleared

AML-KYC certificates, two employees cleared Foreign

Exchange Officer, two employees cleared IT Security,,

three employees cleared Digital MSME and Certified

Credit Officers exam. Thus, our employees are

making great strides in their career. The qualified

staff gives better customer service.


28

Awards

During the year, bank received four awards by well

reputed magazine “Banking Frontier” for (1) Best

NPA Management, (2) Best Green Initiations, (3)

Financial Literacy and (4) Best Customer Acquisition.

Bank has received award for “ Valuable partner and

outstanding camp organizer“ from Indian Red Cross

society, Ahmedabad district branch for the year

2017-18, at the auspicious hands of Governor of

Gujarat, Shri O.P. Kohli.

Our bank has been confined with the prestigious

award of “Banco Puraskar -2017”. in the catagory of

“All India Urban Bank with Business Mix Above `

10001 Crore” by BANCO.

Activities of Marketing Department

Our bank is the only co-operative bank which is

consistently nominated for second year doing

commendable work under Pradhan Mantri Awas

Yojana. Our bank received award at the auspicious

hands of Central Cabinet minister, Housing and

Urban affairs, Shri Hardipsinh Puri at New Delhi.

Marketing department has given their immense

contribution in appointment of Direct Selling agent

(DSA) for stamp franking services, HUDCO subsidy,

tie up with Gujarat Housing, Personal accident

insurance, General insurance and has also conducted

47 customer meets. During the year 2017-18, 238

Housing loan borrowers of our bank have received

subsidy of ` 5.16 Crores. Board appreciates efforts

made by Shri Dhimant Turakhia, Chief Development

officer and entire Marketing team for canvassing

various banking products and services to prospective

customers.

Appreciation of services of member of Board

of Director Shri K. K. Patel

One of the members of the Board, Shri Khodabhai K

Patel has given his resignation on 12.04.2018 as due

to his busy schedule & other engagements, he is

unable to provide services to the bank. In the Board

meeting Dated 17/04/2018, His resignation was

accepted by the Board appreciating his services.

Since 2002-03, Shri Khodabhai K Patel has provided

his constant services to the bank. During these 16

years, being a member of Board, he has provided

valuable suggestions and guidance for development

of the bank. As a member of Premises and

equipment committee of the bank and due to his

negotiation skills, bank has been benefited by

ensuring cost reduction. Being a part of gift selection

committee, he has always ensured that best gift is

given for the shareholders of the bank. Being a part

of committee for monitoring and recovery of

stressed assets, he has always taken initiatives to

interact with borrowers of NPA accounts and

ensured recovery in the said accounts. Due to his

insight and brave decisions, bank has been able to

initiate legal actions in many NPA accounts and has

been successful in recovering dues from borrowers.

His relations with others have also helped bank in

business development. Board of Directors of the

bank takes note of his services and are thankful to

him.

Appointment of Shri Kiritbhai Rambhai Patel

as a Director to fill casual vacancy on the

Board by Coopting

Due to resignation of Shri Khodabhai K. Patel, bank is

required to fill casual vacancy on the Board. As per

Bye laws No: 34(d), The Board may fill a casual

vacancy on the Board by nomination out of the same

class of members in respect of which the casual

vacancy has arisen, if the term of office of the Board

is less than half of its original term.

Shri Kiritbhai Rambhai Patel belongs to Kadi,

Mehsana. Currently he is settled at Ahemdabad. He

completed his Chemical Engineering from

Dharamsinh Desai Institute of Technology. He is

Managing Director of Corel Pharma Chemicals Ltd.

He has in depth knowledge of Chemical engineering,

especially Polymer technology. He was a invitee

member to Board and has provided guidance for

Industrial advances. Considering his services to the

bank as invitee member, Board unanimously resolved

to appoint him as Director in the Board meeting

Dated 17.04.2018.

Obituary

Shri Vittalbhai Hemdas Patel, ex-Director of our bank

passed away on 06.04.2018 at USA. He was Director

of our bank for Nine years. He was taking active part

in all Board meetings.

Moreover, our staff member, Shri Devangbhai

Dharmishthbhai Dave working with Kalupur branch

passed away untimely. He was an experienced

employee who worked with great care.

Board of Directors pays respectful homage to the

departed souls taking note of the valuable services

rendered by them.


29

Acknowledgement

We place on record our sincere thanks and gratitude

to all the members, customers, well-wishers and

employees of the bank for their unstinted support

and co-operation throughout the year.


to Shri J.K. Dash, Regional Director, RBI, Shri R.S.

Sharma, Chief General Manager, DCBS, RBI, Central

Office, Shri V.Rangarao, General Manager DCBS RBI,

Ahmedabad, Shri R.K. Barman, Dy. General Manager

Foreign Exchange Dept. RBI, Shri Ashishbhai Bhutani,

IAS, Central Registrar of Co-op Societies, New Delhi,

Shri Nalinbhai Upadhyay, Registrar of Co-operation,

Gujarat State, Shri Jyotindrabhai Mehta, Chairman,

Gujarat Urban Co-op Bank’s Federation, Shri

Nalinbhai Patel, Chairman, Ahmedabad City and

District Co-op Banks Association, Ahmedabad, Shri

Ajaybhai Patel, Chairman of Ahmedabad District Co-

op Bank Ltd and Gujarat State Co-op Bank Ltd.


to officials of all the organisations / banks etc. such

as SEBI, NSDL , various banks like Dena Bank, Bank of

Baroda, State Bank of India, HDFC Bank, ICICI Bank,

Corporation Bank, Union Bank of India, Central Bank

of India, IDBI Bank, SIDBI, ECGC, FEDAI, CCIL, NPCI,

IBA and Foreign Banks like HABIB Bank. Commerze

Bank, Bank of Novaskotia, who lend precious help to

our bank in day to day work.

We convey our sincere thanks to all the auditors,

statutory auditors, legal advisors, valuers, and

advocates of the bank. We also convey our special

thanks to legal advisor of our bank Shri Rameshbhai

Barot, Shri Hiteshbhai Shah, Shri Jatinbhai Sheth, Shri

Nandishbhai Chudgar, for their co-operation during

the year.

We place on record our sincere thanks to all the

members of Board of Directors for their continued

support during the year for professional and

transparent management of our bank. Our particular

thanks to Chairman Emeritus Shri Ambubhai Patel,

Vice Chairman Shri Mineshbhai Patel and Managing

Director Shri P.F. Bharucha for their guidance and

support. We sincerely thank Professional Director CA

Shri Kaushikbhai Patel, for his guidance in Bank’s

Audit / inspection as well as in Human Resources

Management and Director Shri Kiritbhai Patel, CA

Shri Ketulbhai Patel and Shri Rahilbhai Patel for

providing their guidance in I.T. Related work. The

Board places on record special thanks to Director

Shri Hasmukhbhai Patel, Shri K K Patel, Shri Bipinbhai

Shah and Shri Bhalabhai C. Patel who are giving

their guidance as member of Bank’s Purchase &

Equipment committee as well. Board also places on

record particular thanks to our well-wisher and ex-

MP Shri Surendrabhai M Patel and CA Shri

Nipambhai Shah for their guidance. Board is also

thankful to Shri Ambarbhai Patel and Shri Kirit Patel

for their contribution to increase finance to MSME

sector. Board also places on record sincere thanks to

Dr. Shri Dineshbhai Amin for providing his valuable

contribution in motivating staff and contribution in

development of Micro Credit. Board is thankful to

Women Directors, Smt. Purviben Pokhariyal for her

advice on legal matters as well as women

empowerment and Smt. Madhaviben Patel for her

suggestions for providing Best customer service.

Bank is also thankful to Smt. Mittalben Patel,

Managing Director Vicharata Samuday Samarthan

Manch for her support and guidance in field of

Micro Finance including creating awareness among

Weaker section of society by conducting cluster

meetings. Board also thanks all the members of

Branch Development Committees for their valued

services.

We are very much thankful to Secretary to Board of

Directors, Shri Mahendrabhai Patel, General Manager

& CEO Shri Vinodbhai Dadlani, all senior executives,

officers, Branch Managers and staff of the bank in

acknowledgement of their sincere and dedicated

services.

We also express our thanks to print and electronic

media for their co-operation from time to time.

We are working with a pledge “Progressive Thinking

– Result Oriented Banking”. We earnestly desire to

make rapid progress by making our services more

and more efficient and customer centric. We solicit

your co-operation in our task ahead.

Thank you all, once again.

||AANO BHADRAKRATVO YANTU VISHWAT:||

May we get kind & positive thoughts from all

directions.

On behalf of Board of Directors

Navnitbhai C. Patel

Chairman


30

Independent Statutory Auditors'Report stfor the Year Ended 31 March 2018

(As required under Section 31 of Banking Regulation Act, 1949 as applicable to Co-Operative Societies and

section 73(4) of Multi State Co-operative Societies Act,2002 and Rule 27 of The Multi-State Cooperative

Societies Rules)

To,

The Members,

The Kalupur Commercial Co-Operative Bank Ltd.

AHMEDABAD

1. We have audited the accompanying financial statement of THE KALUPUR COMMERCIAL CO-

OPERATIVE BANK LTD., AHMEDABAD which comprises of the Balance sheet as at 31ST March 2018, the

Profit and Loss account, and the cash flow statement for the year then ended, and a summary of

significant accounting policies and other explanatory information. The returns of 57 branches audited

by us are incorporated in these financial statement .The branches audited by us have been selected by

the bank in accordance with the guidelines issued to the bank by the Central Registrar of Cooperative

Societies.

Management’s Responsibility for the Financial Statements

2. Management is responsible for the preparation of these financial statements that give a True and fair

view of the financial position, financial performance and cash flows of the Bank in accordance with

provisions of the Banking Regulations Act, 1949, the guidelines issued by the Reserve Bank of India

and the guidelines issued by the National Bank for Agricultural and Rural Development, the Central

Registrar of Cooperative Societies, the Multi State Co‐operative Societies Act, 2002, the Multi State

Co‐operative Societies Rules, 2002 (as applicable) and accounting principles generally accepted in

India so far as applicable to Banks. This responsibility includes the design, implementation and

maintenance of internal controls relevant to the preparation and presentation of the financial

statements that are free from material misstatement, whether due to fraud or error.

Auditor’s Responsibility

3. Our responsibility is to express an opinion on these financial statements based on our audit. We

conducted our audit in accordance with Standards on Auditing issued by the Institute of Chartered

Accountants of India. Those Standards require that we comply with ethical requirements and plan and

perform the audit to obtain reasonable assurance about whether the financial statements are free from

material misstatements.

4. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures

in the financial statements. The procedures selected depend on the auditor’s judgment, including the

assessment of the risks of material misstatement of the financial statements, whether due to fraud or

error. In making those risk assessments, the auditor considers internal control relevant to the Bank’s

preparation and fair presentation of the financial statements in order to design audit procedures that

are appropriate in the circumstances, but not for the purpose of expressing an opinion on effectiveness

of the Bank’s internal control. An audit also includes evaluating the appropriateness of accounting

policies used and the reasonableness of the accounting estimates made by management, as well as

evaluating the overall presentation of the financial statements.

5. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis

for our audit opinion.


31

Opinion

6. In our opinion and to the best of our information and according to the explanations given to us, the

aforesaid financial statements together with the Notes thereon give the information required by the

Banking Regulation Act, 1949, the Multi State Co‐operative Societies Act, 2002 and the Multi State

Co‐operative Societies Rules, 2002 and the guidelines issued by the National Bank for Agricultural and

Rural Development (as applicable) and guidelines issued by Reserve Bank of India and the Central

Registrar of Cooperative Societies, in the manner so required and give a true and fair view in

conformity with the accounting principles generally accepted in India:

(a) In the case of the Balance Sheet, of state of affairs of the Bank as at 31stMarch 2018;

(b) In the case of the Profit and Loss Account, of the profit for the year ended on that date; and

(c) In the case of the Cash Flow Statement, of the cash flows for the year ended on that date.

Report on Other Legal & Regulatory Requirements

7. The Balance Sheet and the Profit and Loss Account have been drawn up in Forms “A”and “B”

respectively of the Third Schedule to the Banking Regulation Act, 1949 and the Multi State

Co‐operative Societies Act, 2002, the Multi State Co‐operative Societies Rules, 2002.

8. As required by Section 73(4) of the Multi State Co‐operative Societies Act, 2002, we report that:

a) We have obtained all the information and explanations, which to the best of our knowledge and

belief were necessary for the purpose of our audit and have found to be satisfactory;

b) In our opinion, proper books of account as required by law have been kept by the Bank so far as

it appears from our examination of those books and proper returns adequate for the purposes

of our audit have been received from the branches/offices;

c) The transactions of the Bank which came to our notice have been within the powers of the Bank;

d) The Balance Sheet and the Profit and Loss Account dealt with by this report are in agreement

with the books of account and the returns;

e) The accounting standards adopted by the Bank are consistent with those laid down by

accounting principles generally accepted in India so far as applicable to Banks;

f) In our opinion and according to information and explanations given to us, we have not noticed

any material impropriety or irregularity in the expenditure or in the realization of money due to

the bank.

Schedules forming part of Auditors report on the financials

9. As required under Rule 27(3) of the Multi State Co-operative Societies Rules, 2002, we report on the

matters specified in that Rule as under:-

(a) During the course of audit we have not come across any major transactions which appear to be

contrary to the provisions of the Multi‐State Co-operative Societies Act, 2002, the rules or the

bye‐laws of the Bank except Observation as mentioned in Schedule – A

(b) During the course of audit we have not come across any major transactions which appear to be

contrary to the guidelines issued by the Reserve Bank of India and National Bank for Agriculture

and Rural Development

(c) Money belonging to the Bank which appears to be bad or doubtful of recovery (Refer

Schedule B to this report);

(d) As per information given to us and to the best of our knowledge, there are no loans given by the

Bank to the members of the Board except those permissible under RBI guidelines;


32

(e) During the course of our audit we have come across violation of guidelines, conditions etc.,

issued by the Reserve Bank of India or National Bank for Agriculture and Rural Development

(Refer Schedule C to this report);

(f) To the best of our knowledge, there are no matters that have been specified by the Central

Registrar of Cooperative Societies in this regard.

For, R. S. Patel & Co.

Chartered Accountants

FRN 107758w

Place: Ahmedabad Rajan B. Shah

Date: 18-05-2018 Partner

Membership No.101998

Schedule – A

1. Education Fund of Rs. 511.19 lacs is provided by Bank as per Section 63(1)(b) of Multi State Co-

operative Societies Act 2002 and Rule 25 of Multi State Co-operative Societies Rules, 2002 but not yet

remitted to National Cooperative Union of India Limited, New Delhi. As informed by the bank they will

remit the same on receipt of demand by National Cooperative Union of India Limited.

Schedule – B

• The following monies due to the bank appear to be doubtful of recovery (Rule 27(3)(c)).(Advances

categorized as doubtful and loss assets as per prudential norms are considered as doubtful of

recovery):

Category Amount outstanding as on 31.03.2018 (Rs. In lacs)

Doubtful Assets 2738.80

Loss Assets 653.90

Total 3392.70

• However a provision of Rs.2240.82 lacs has been made against the above advances as per RBI

guidelines.

Schedule C:

1. As per para 3 of UBD.BPD (PCB)Cir. No. 2/14.01.062/2014-15 dtd 2 July 2014 read with Master direction

on KYC, Urban Co-operative Banks are required to allot UCIC (Unique Customer Identification Code) to

their existing customers. However bank has not yet fully completed the process of allotting UCIC to

their customers.

As a result there are cases where single customer is allotted more than one UCIC.


33

1. Capital - þuh ¼tzku¤

1) Authorised Capital - yrÄf]ík þuh ¼tzku¤

1,25,00,00,000 5,00,00,000 Shares of Rs. 25 /- each 1,25,00,00,0005,00,00,000 þuh Ëhuf Yk. 25/- «{kýu

2) Subscribed Capital - çknkh Ãkkzu÷wt þuh ¼tzku¤

87,35,09,625 3,52,21,428 (P. Y. 3,49,40,385) fully paid up shares of Rs. 25/- each 88,05,35,700

3,52,21,428 (Yk. 3,49,40,385 fhkuz ÃkkA÷k ð»koLke) þuh Ëhuf Yk. 25/- «{kýu

3) Amount called up on 3,52,21,428 (P. Y. 3,49,40,385) shares of Rs. 25 /- each

ðMkw÷ ykðu÷ þuh ¼tzku¤ 3,52,21,428(Yk. 3,49,40,385 fhkuz ÃkkA÷k ð»koLke) þuh Ëhuf Yk. 25/- «{kýu

of the above held by

87,35,09,625 a) Individuals - ÔÞÂõíkyku 88,05,35,700

— b) Co-op.Institutions - Mknfkhe MktMÚkkyku —

— c) State Government - hkßÞ Mkhfkh©eyu Äkhý fhu÷ þuh ¼tzku¤ —

2. Reserve Fund & Other Reserves - yLkk{ík ¼tzku¤ yLku yLÞ ¼tzku¤

4,11,59,48,245 1) Statutory Reserve - yLkk{ík ¼tzku¤ (fkÞËkLkwMkkh hk¾ðkLkwt) 4,61,46,63,426

62,91,41,941 2) Building Fund - {fkLk Vtz 73,89,97,246

4,77,48,658 3) Dividend Equilization Fund - rzrðzLz Eõðe÷kEÍuþLk Vtz 4,77,48,658

93,46,69,421 4) Bad & Doubtful Debts Reserve - þf{tË ÷uýk Vtz 93,46,69,421

86,41,65,808 5) Investment Depreciation Reserve - hkufkýkuLkk ½Mkkhk yLkk{ík 86,41,65,808

31,20,94,444 6) Investment Fluctuation Fund - hkufký ðÄ½x yLkk{ík 31,20,94,444

7) Other Funds (to be specified) - yLÞ ¼tzku¤ :

7,09,49,735 a) Co-operation Propaganda Fund - Mknfkh «[kh Vtz 7,09,49,735

87,61,006 b) Charity Fund - Ä{koËk Vtz 48,05,271

29,60,25,000 c) Spl.Building Fund - MÃku. rçkÕzªøk Vtz 29,60,25,000

4,16,19,996 d) General Welfare Fund - Mkk{kLÞ ðu÷Vuh Vtz 4,16,19,996

2,12,81,675 e) Jubilee Fund - ßÞwçke÷e Vtz 2,12,81,675

7,49,11,153 f) Member/Customer/Incentive Fund - Mk¼kMkË, økúknf «kuíMkknLk Vtz 7,49,11,153

8,93,26,908 g) Development Fund - zuð÷Ãk{uLx Vtz 8,93,26,908

95,40,37,395 h) Contingency Fund - fÂLxsLMke Vtz 1,00,89,65,047

5,23,46,564 i) Capital Reserve - fuÃkex÷ heÍðo 11,77,98,614

42,68,26,800 j) Contingency Provision Aga. Standard Assets - MxkLzzo yuMkuxTMkLkwt «kurðÍLk 42,68,26,800

32,98,30,996 k) Special Contingency Fund - MÃku. fÂLxsLMke Vtz 32,98,30,996

45,28,02,690 l) Unforseen Losses Reserve - yLkVkuhMkeLk ÷kuMk heÍðo 53,86,27,146

4,80,00,000 m) Provision for Other Assets - «kurðÍLk Vkuh yLÞ yMõÞk{ík 5,88,50,710

19,74,33,000 n) Special Reserve - MÃku~Þ÷ rhÍðo 25,44,33,000

1,50,46,137 o) Staff Welfare Fund - MxkV ðu÷Vuh Vtz 1,50,46,137

19,04,76,971 p) Bad & Doubtful Debts Prov. u/s 36 (1) (viia) 35,25,03,342

10,17,34,44,543 «kurðÍLk Vkuh çkuz yuLz nkWMkVq÷ zuçx u/s 36(1) 11,21,41,40,533

11,04,69,54,168 12,09,46,76,233

31.03.2017Rs.

31.03.2018Rs.Rs.

CAPITAL AND LIABILITIES - ¼tzku¤ íkÚkk Ëuðwt

BALANCE SHEET

íkk. 31-3-2018Lkk

34


1. Cash

On hand and Balance with Reserve Bank of India

3,65,27,34,790 State Bank of India, State Co.op. Bank & Central Co.op. Bank 3,33,28,81,298

nkÚk WÃkh, rhÍðo çkUf ykuV EÂLzÞk, hkßÞ Mknfkhe çkUf,

{æÞMÚk Mknfkhe çkUf{kt

2. Balances with other Banks - yLÞ çkUfku{kt rMk÷f :

19,26,35,300 1) Current Deposits - [k÷w¾kíkk 29,17,65,335

5,04,86,90,118 2) Fixed Deposits - çkktÄe {wËíkLke ÚkkÃký 9,21,99,30,975

— 3) Savings Bank Deposits - Mk®ðøMk çkUf ¾kíkk —

5,24,13,25,418 9,51,16,96,310

1,06,00,00,000 3. Money at call and short notice - fku÷ yLku xqtfe {wËíkLke LkkuxeMkLke ÚkkÃkýku : 1,09,94,42,693

4. Investments - hkufkýku :

16,77,03,00,532 1) In Central & State Government Securities (at book value) 18,40,64,31,578{æÞMÚk yLku hkßÞ Mkhfkhe ò{eLkøkeheyku{kt (¾heË ®f{íku)

Face Value Rs. 17,88,50,50,000 - ËþoLkeÞ ®f{ík Yk. 17,88,50,50,000

(P. Y. Rs.1,617.95 Cr.) - (Yk. 1617.95 fhkuz ÃkkA÷k ð»koLke)

Market Value Rs. 18,13,38,86,380 - çkòh ®f{ík Yk. 18,13,38,86,380

(P. Y. Rs. 1,790.80 Cr.) - (Yk. 1,790.80 fhkuz ÃkkA÷k ð»koLke)

0 2) In other Trustee Securities 0

çkeS xÙMx ò{eLkøkeheyku{kt

27,57,800 3) In Shares of Co-op. Institutions (other than item (5) below) 27,57,800

Mknfkhe MktMÚkkyku{kt þuhku{kt (Lke[uLke ykEx{ Lkt. 5 rMkðkÞLkk)

19,00,00,000 4) In Shares of Clearing Corp. Of India Ltd. 14,00,00,000

f÷eÞhªøk fkuÃkkuohuþLk ykuV RÂLzÞk þuh

2,10,00,00,000 5) Debt /Money Market Liquid Fund Investment 3,10,00,00,000

2,78,32,95,680 6) Other Investments (Non SLR P.S.U.& A.F.I. Bonds) 2,73,44,58,200çkeò hkufkýku (rðøkík ykÃkðe) (LkkuLk yuMk.yu÷.ykh Ãke.yuMk.Þw.)yLku yu.yuV.ykE.Lkk çkkuLz{kt)

24,99,200 7) NPCI Equity Shares - yuLk.Ãke.Mke.ykE. Eõðexe þuh 24,99,200

21,84,88,53,212 24,38,61,46,778

5. Investments in Principal / Subsidiary - {wÏÞ / økkiý ¼køkeËkhe LkeÄeLkwt hkufký :

State Partnership Fund In Shares of :

— 1) Central Co-op. Bank - MkuLxÙ÷ fku.yku. çkUf —

— 2) Primary Agr. Cr. Soc. - «kÚkr{f Mknfkhe {tz¤eyku —

— 3) Other Socities - yLÞ {tz¤eyku{kt —

31,80,29,13,420 38,33,01,67,079

- hkufz :

31.03.2017Rs.

31.03.2018Rs.Rs.

PROPERTIES AND ASSETS - r{÷fík íkÚkk ÷uýwt

hkusLkwt MkhðiÞwtAS AT 31-03-2018

35


12,09,46,76,233

3. Principal / Subsidiary State Partnership Fund Account

(For Share Capital Of)

— 1) Central Co-op. Bank - MkuLxÙ÷ fku-yku. çkUf —

— 2) Primary Agricultural Co-op. Credit Society —«kÚkr{f ¾uíke rð»kÞf Mknfkhe þhkVe {tz¤eyku

— 3) Other Societies - yLÞ {tz¤eykuLkk þuhku{kt —

4. Deposits & Other Accounts - ÚkkÃkýku yLku yLÞ ¾kíkkyku :

1) Fixed Deposits - çkktÄe {wËíkLke ÚkkÃkýku :

45,02,79,42,629 a) Individuals - ÔÞÂõíkyku 45,77,59,59,784

b) Central Co-op.Bank - {æÞMÚk Mknfkhe MktMÚkkyku

60,68,96,550 c) Other Societies - yLÞ {tz¤eyku MktMÚkkyku 52,58,18,750

2) Savings Bank Deposits - Mku®ðøMk çkUf ÚkkÃkýku :



c) Other Societies - yLÞ {tz¤eyku MktMÚkkyku

3) Current Deposits - [k÷w ÚkkÃkýku :



28,14,780 c) Other Societies - yLÞ {tz¤eyku MktMÚkkyku 5,67,48,770

18,23,12,239 4) Recurring Deposits - hefhªøk ÚkkÃkýku : 16,53,34,096

21,38,157 5) Other Deposits - yLÞ ÚkkÃkýku : 7,61,214

62,49,81,64,896 64,95,90,23,717

5. Borrowings - fhs :

— 1) From Reserve Bank of India - heÍðo çkUf ykuV EÂLzÞk —

— Guj. State Co-op. Bank - hkßÞ Mknfkhe çkUf —

Ahmedabad Dist. Co-op.Bank - {æÞMÚk Mknfkhe çkUfÃkkMkuÚke

— A) Short Term Loans, Cash Credit and Overdrafts,CBLO —

which is secured against Government securities

xqtfe {wËíkLke ÷kuLk, fuþ¢urzx yLku ykuðhzÙk^x Mkeçkeyu÷ykusu økðLko{uLx rMkõÞwhexeÍLkk íkkhý Mkk{u

73,54,51,19,064 77,05,36,99,950

11,04,69,54,168

{wÏÞ / økkiý hkßÞ ¼køkeËkhe LkeÄe :

31.03.2017Rs.

31.03.2018Rs.Rs.


BALANCE SHEET

íkk. 31-3-2018Lkk

36


38,33,01,67,079

6. Advances

27,16,05,91,842 1) Short term loans cash credits 21,26,47,84,755

overdrafts and bills discounted

xqtfe {wËíkLke ÷kuLk, fuþ ¢urzx, ykuðhzÙk^x yLkuðxkðkÞu÷k çke÷ku su Ãkife Lke[u {wsçkLkk íkkhý Mkk{uOf which secured against

a) Government and other approved

securities Rs. 28,93,80,440 (P.Y. 15.58 Cr.)

Mkhfkhe yLku çkeS ò{eLkøkeheyku{ktYk. 28,93,80,440 (Yk. 15.58 fhkuz ÃkkA÷k ð»koLke)

b) Other tangible securities

Rs. 20,97,31,61,182 (P.Y. 2700.15 Cr.)

çkeS xuLSçk÷ rMkõÞwhexeÍYk. 20,97,31,61,182 (Yk. 2700.15 fhkuz ÃkkA÷k ð»koLke)

Of the advances amount due from individuals

Rs. 1,74,22,38,161 (P.Y. 208.43 Cr.)

WÃkhLkk rLkŠËü rÄhký Ãkife ÔÞrfík ÃkkMkuYk. 1,74,22,38,161 (Yk. 208.43 fhkuz ÃkkA÷k ð»koLke)

Of the advances amount overdue Rs. 55,07,28,310 (P.Y. 116.35 Cr.)

{wËíkðeíke hf{ Yk. 55,07,28,310 (Yk. 116.35 fhkuz ÃkkA÷k ð»koLke)

Considered bad and doubtful

of recovery Rs. 4,84,73,823 (P.Y. 4.90 Cr.)

ytËkSík ¾hkçk yLku þf{tËYk. 4,84,73,823 (Yk. 4.90 fhkuz ÃkkA÷k ð»koLke)

4,17,78,56,458 2) Medium Term Loans - {æÞ{ {wËíkLke ÷kuLk 3,97,22,37,515

Of which secured against - si Ãkufe Lke[u {wsçkLkk íkkhý Mkk{u

a) Government and other approved

securities Rs. 26,62,768 (P.Y. 0.44 Cr.)

Mkhfkhe yLku çkeS yLÞ ò{eLkøkeheykuYk. 26,62,768 (Yk. 0.44 fhkuz ÃkkA÷k ð»koLke)


Rs. 3,87,73,04,367 (P.Y. 410.27 Cr.)

çkeS xuLSçk÷ rMkõÞwhexeÍYk. 3,87,73,04,367 (Yk. 410.27 fhkuz ÃkkA÷k ð»koLke)

Of the advances amount due from individuals

Rs. 1,74,99,75,046 (P.Y. 131.60 Cr.)

WÃkhLkk rLkŠËü rÄhký Ãkife ÔÞrfík ÃkkMkuYk. 1,74,99,75,046 (Yk. 131.60 fhkuz ÃkkA÷k ð»koLke)

Of the advances amount

overdue Rs. 11,70,93,401(P.Y. 10.06 Cr.)

{wËíkðeíke hf{ Yk. 11,70,93,401 (Yk. 10.06 fhkuz ÃkkA÷k ð»koLke)

Considered bad and doubtful

of recovery Rs. 1,63,98,001 (P.Y. 1.65 Cr.)

ytËkSík ¾hkçk yLku þf{tËYk. 1,63,98,001 (Yk. 1.65 fhkuz ÃkkA÷k ð»koLke)

63,14,13,61,720 38,33,01,67,079

31,80,29,13,420

- rÄhkýku:


31.03.2018Rs.Rs.

PROPERTIES AND ASSETS - r{÷fík íkÚkk ÷uýwt31.03.2017Rs.

37


— a) Govt. and other approved securities Mkhfkhe yLku çkeS {kLÞ ò{eLkøkeheyku

— b) Other tangible securities

xuLSçk÷ MkeõÞwhexeÍ

— B) Medium Term Loans —

Of which secured against

{æÞ{ {wËíkLke ÷kuLk su Ãkife Lke[u {wsçkLkk íkkhý Mkk{ua) Government and other approved securities

Mkhfkhe yLku çkeS {kLÞ ò{eLkøkeheykub) Other tangible securities

xuLSçk÷ MkeõÞwhexeÍ— C) Long Term Loans —

Of which secured against

a) Government and other approved securitiesMkhfkhe yLku çkeS {kLÞ ò{eLkøkeheyku

b) Other tangible securitiesxuLSçk÷ MkeõÞwhexeÍ

2. From the State Bank of India - Mxux çkUf ykuV RÂLzÞk ÃkkMkuÚke— A) Short term loanscash credit and overdrafts —

Of which secured againstxqtfe {wËíkLke ÷kuLk, fuþ ¢urzx yLku ykuðhzÙk^x Ãkifea) Government and other approved securities


xuLSçk÷ MkeõÞwhexeÍ— B) Medium Term Loans Of which secured against —

{æÞ{ {wËíkLke ÷kuLk su Ãkife Lke[u {wsçkLkk íkkhý Mkk{ua) Government and other approved securities


xuLSçk÷ MkeõÞwhexeÍ— C) Long Term Loans Of which secured against —

÷ktçke {wËíkLke ÷kuLk a) Government and other approved securities


xuLSçk÷ MkeõÞwhexeÍ3. From the State Government

hkßÞ Mkhfkh ÃkkMkuÚke— A) Short Term Loans —

xqtfe {wËíkLke ÷kuLk ÃkifeOf which secured against

a) Government and other approved securitiesMkhfkhe yLku çkeS {kLÞ ò{eLkøkeheyku

b) Other tangible securitiesxuLSçk÷ MkeõÞwhexeÍ

73,54,51,19,064 77,05,36,99,950

73,54,51,19,064 77,05,36,99,950

—

31.03.2017Rs.

31.03.2018Rs.Rs.


BALANCE SHEET

íkk. 31-3-2018Lkk

38


38,33,01,67,079

3) Long Term Loans - 13,79,69,19,948

Of which secured againstLke[u {wsçkLkk íkkhý Mkk{ua) Government and other approved

securities Rs. 15,88,804 (P.Y. 0.02 Cr.)Mkhfkhe yLku çkeS {kLÞ ò{eLkøkeheykuYk. 15,88,804 (Yk. 0.02 f÷uz ÃkkA÷k ð»koLke)


Rs. 13,79,53,31,144 (P.Y. 1087.32 Cr.)

çkeS xuLSçk÷ rMkõÞwhexeÍYk. 13,79,53,31,144 (Yk. 1087.32 fhkuz ÃkkA÷k ð»koLke)Of the advances amount due from individuals

Rs. 6,61,67,82,662 ( P.Y. 520.05 Cr.)

WÃkhLkk rLkŠËü rÄhký Ãkife ÔÞrfík ÃkkMkuYk. 6,61,67,82,662 (Yk. 520.05 fhkuz ÃkkA÷k ð»koLke)Of the advances amount

overdue Rs. 22,04,90,230 (P.Y. 12.85 Cr.)

{wËíkðeíke hf{ Yk. 22,04,90,230 (Yk. 12.85 fhkuz ÃkkA÷k ð»koLke)Considered bad and doubtful

of recovery Rs. 5,18,442 (P.Y. 0.06 Cr.)

ytËkSík ¾hkçk yLku þf{tËYk. 5,18,442 (Yk. 0.06 fhkuz ÃkkA÷k ð»koLke)

42,21,18,68,188 39,03,39,42,218

1,25,67,66,240 7. Interest Receivable - {¤ðkÃkkºk ÔÞks : 1,45,70,09,063

Of which overdue considered bad

and doubtful of recovery Rs. 78,61,43,165

(P.Y. Rs. 66,27,52,024) (as per contra)

su Ãkife {wËíkðeíke ÔÞksLke hf{Yk. 78,61,43,165 (Yk. 66,27,52,024 fhkuz ÃkkA÷k ð»koLke)(Mkk{u ËþkoÔÞk {wsçk) ytËkS ¾hkçk yLku þf{tË.

3,28,33,02,780 8. Bills Receivable being - çkeÕMk heMkeðuçk÷ ¾kíku : 4,17,17,69,518

bills for collection (as per contra)(Mkk{u ËþkoÔÞk {wsçk)

0 9. Branch Adjustments - þk¾kyku ¾kíku (yuzsMx{uLx) 0

78,55,48,50,628 82,99,28,87,878

63,14,13,61,720

10,87,34,19,888 ÷ktçke {wËíkLke ÷kuLk si Ãkife


31.03.2018Rs.Rs.


39


77,05,36,99,950

— B) Medium Term Loans

{æÞ{ {wËíkLke ÷kuLk Ãkife

a) Government and other approved securities

Mkhfkhe yLku çkeS {kLÞ ò{eLkøkeheyku



— C) Long Term Loans Of which secured against —

÷ktçke {wËíkLke ÷kuLk Ãkife

a) Government and other approved securities

Mkhfkhe yLku çkeS {kLÞ ò{eLkøkeheyku



— 4) Loans from other sources - yLÞ MkkÄLkkuÚke ÷eÄu÷ ÷kuLk

(Sources and securities to be specified)(MkkÄLk yLku ò{eLkøkehe çkíkkððe)

3,28,33,02,780 6. Bills for collection being bills receivable (as per contra) 4,17,17,69,518çkeÕMk Vkuh f÷uõþLk : (Mkk{u ËþkoÔÞk {wsçk)

0 7. Branch Adjustments 0þk¾kyku ¾kíku (yuzsuMx{uLx)

67,24,66,161 8. Overdue Interest Reserve (as per contra) 80,19,97,266{wËík çknkhLkk ÔÞks {kxu yLkk{ík : (Mkk{u ËþkoÔÞk {wsçk)

46,60,39,068 9. Interest Payable - [qfððkÃkkºk ÔÞks 23,74,88,031

10. Other Liabilities - yLÞ sðkçkËkheyku

18,15,38,143 1) Bills Payable - çkeÕMk Ãkuyuçk÷ 15,00,66,449

7,400 2) Share Application Money - þuh yuÃ÷efuþLk {Lke 30,550

1,68,80,080 3) Unclaimed Dividend - rzrðzLz ykÃkðkLkwt çkkfe 1,28,74,864

66,43,08,767 4) Sundries (with clearing adjustments) - Ãkh[whý (õ÷eÞhªøk nkWMk Mkrník) 53,39,70,613

1,66,36,340 5) Staff Bonus - MxkV çkkuLkMk 1,69,57,129

4,25,37,172 6) Education Fund - rþûký Vk¤k 5,11,19,618

1,19,43,00,000 9) Income Tax Provision - ELf{xuûk «kuðeÍLk 1,75,51,00,000

7,09,91,310 8) Deferred Tax Liability - ze^zo xuûk ÷kÞkçke÷exeÍ 10,75,91,310

2,18,71,99,212 2,62,77,10,533

80,15,41,26,285 84,89,26,65,298

73,54,51,19,064

Of which secured against —

31.03.2017Rs.

31.03.2018Rs.Rs.


BALANCE SHEET

íkk. 31-3-2018Lkk

40


82,99,28,87,878

10. Premises / Building (Less : Depreciation) 60,62,31,217MÚkkðh r{Õfík : (½Mkkhk çkkË)

0 11. Capital work in Progress - fuÃkex÷ ðfo ELk «kuøkúuMk 0

12. Furniture Fixture & Other Fixed Assets (Less : Depreciation) hk[hMke÷wt, szíkh íkÚkk yLÞ MÚkkðh yMfÞk{fíkku (½Mkkhk çkkË)

13,87,55,648 (I) Furniture & Fixture 14,40,94,964hk[h[e÷wt íkÚkk szíkh

7,17,20,724 (ii) Safe Deposit Vault 6,64,65,306÷kufh

49,29,980 (iii) Vehicles 38,25,787ðknLkku

6,37,65,366 (iv) I.T Equipments 4,27,03,331 ykE.xe. MkkÄLkku

0 (iv) Solar Power Plant 14,70,000 Mkku÷h Ãkkðh Ã÷kLx

27,91,71,718 25,85,59,388

13. Other Assets (to be specified) - yLÞ yMfÞk{íkku :

6,31,04,435 1) Stationery Stocks & Postal Stamps 7,02,66,219MxuþLkhe íkÚkk ÃkkuMx÷ MxuBÃkMk

7,86,01,431 2) Other Deposits 11,70,65,034

yLÞ rzÃkkuÍexku

7,14,26,057 3) Sundries (with clearing adjustments) 6,64,74,484Ãkh[whý (õ÷eÞhªøk nkWMk Mkrník)

1,32,57,54,551 4) Advance Income Tax & TDS 1,88,36,07,813 yuzðkLMk ELf{xuûk íkÚkk xe.ze.yuMk.

1,53,88,86,474 2,13,74,13,550

2,68,76,954 14. GOODWILL - økwzðe÷ : 0

— 15. Non banking assets acquired - in satisfaction of claims —Ëkðkyku Ãkuxu «kó fhu÷e yMfÞk{íkku

— 16. Profit & Loss Account - LkVk - LkwõþkLk ¾kíku —

81,01,23,70,853 85,99,50,92,033

78,55,48,50,628

61,25,85,079


31.03.2018Rs.Rs.


41


84,89,26,65,298

11. Profit & Loss Account -

84,11,32,014 Profit as per last Balance Sheet 85,82,44,568økÞk ð»koLkk MkhðiÞk {wsçk LkVku

84,11,32,014 Less : Appropriation 85,82,44,568çkkË : Vk¤ðýe

— —

85,82,44,568 Add : Profit for the year brought from the 1,10,24,26,735 1,10,24,26,735

Profit and Loss AccountW{uhku : [k÷w Mkk÷Lkk LkVk-íkkuxkLkk rnMkkçk {wsçk LkVku

12. Contingent Liabilities - ykfÂM{f sðkçkËkheyku : 1) Outstanding liabilities for

L/C, Guarantees issuedykÃku÷e yu÷.Mke. yLku økuhtxeyku Mkk{uRs. 5,66,69,21,297 ( P.Y. Rs. 418.33 Cr.) Yk. 5,66,69,21,297 (Yk. 418.33 fhkuz ÃkkA÷k ð»koLke)

2) Forward Contracts (Forex)

Rs. 25,78,47,40,000 (P.Y. Rs. 839.80 Cr.) Vkuhðzo fkuLxÙuõx (Vkuhuûk) Yk. 25,78,47,40,000(ÃkkA÷k ð»koLke Yk. 839.80 fhkuz)

2) Liabilities of DEAF Rs. 6,53,16,000 (P.Y. Rs. 5.24 Cr.) Yk. 6,53,16,000 (ÃkkA÷k ð»koLke Yk. 5.24 fhkuz)

81,01,23,70,853 85,99,50,92,033

80,15,41,26,285

LkVk - LkwõþkLk ¾kíkw :

31.03.2017Rs.

31.03.2018Rs.Rs.


BALANCE SHEET

íkk. 31-3-2018Lkk

Significant Accounting Policies & Notes on Accounts Schedule - I

Navnitbhai Chimanlal Patel

Chairman

Vinod G. Dadlani


Date : 18.05.2018

Place : Ahmedabad

Subject to our report of even date

FOR, R. S. PATEL & CO.


FRN No. 107758W

RAJAN B. SHAH

Partner

Membership No. 101998

Date : 18.05.2018

Place : Ahmedabad42


81,01,23,70,853 85,99,50,92,033

81,01,23,70,853 85,99,50,92,033

Percy Faramroj Bharucha

Managing Director

Mineshbhai Jashbhai Patel

Vice Chairman

Directors


31.03.2018Rs.Rs.


43

Shri Maganbhai






Ambubhai Patel Shri Bhalabhai Chhotabhai Patel




Smt. Purviben Anantanand Pokharial



1) Interest on deposits, borrowings, etc. - 3,96,10,31,776

48,47,56,157 2) Salaries and Allowances, Provident Fund & Bonus etc. - Ãkøkkh, ¼ÚÚkk, «ku. Ãktz íkÚkk çkkuLkMk ðøkuhu 49,59,18,885

— 3) Directors & Local Committee Members' Fees & allowances - —rzhuõxMko, yLku MÚkkrLkf fr{xeLkk MkÇÞkuLke Ve íkÚkk ¼ÚÚkk

11,13,48,436 4) Rent,T axes, Insurance, Lighting etc. - ¼kzwt, fhðuhk, ðe{ku, ðes¤e rðøkuhu 12,58,13,396

47,15,880 5) Legal Fees - ÷eøk÷ Ve 11,70,292

1,37,32,156 6) Postage, Telegram & Telephone Charges - íkkh, xÃkk÷ yLku xur÷VkuLk [kSoMk 1,85,91,872

40,01,295 7) Audit Fees - ykurzx Ve 64,30,586

11,88,98,859 8) Depreciation on and repairs to Property - ½Mkkhku yLku r{÷fík {hk{ík 12,20,78,189

2,33,29,987 9) Stationery, Printing & Advertisement, etc. - MxuþLkhe, AkÃkfk{, ònuh¾çkh ðøkuhu 1,77,26,008

22,85,45,080 10) Other Expenditure - yLÞ ¾[o 19,60,93,604

2,68,76,952 11) Amortization of Goodwill - yu{kuhxkEÍuþLk ykuV økwzðe÷ 2,68,76,952

0 12) Provision for Stamp Franking Fraud- MxuBÃk £u®føk £kuzLkwt «kurðÍLk 1,08,50,710

9,00,00,000 13) Contigency Provision Aga. Std. Assets - MxkLzzo yuMkuxLkwt «kurðÍLk 0

4,34,00,000 14) Special Reserve - MÃkuþeÞ÷ heÍðo 5,70,00,000

10,80,00,000 15) Bad & Doubtful Debt Provision U/S 36(1) (viia) of I.T Act.1961 ( 2014) 16,27,25,035

«kurðÍLk Vkuh çkuz yLku zkWxVq÷ zuçx U/S 36(1) (viia) yuV.ykE.xe. yuõx 1961 (2014)

46,30,88,423 16) Income Tax Provision (Including Deffered Tax Liabilities Rs. 3,66,00,000/- ) 59,74,00,000

(P.Y .Inciuding Deffered Tax Liabilities Rs.1,99,88,423/-)

ELf{xuûk «kurðÍLk (W{uhku: rz^zo xuûk ÷kÞuçke÷exe Yk. 3,66,00,000 [k÷w Mkk÷u)(rz^zo xuûk ÷kÞuçke÷exe Yk. 1,99,88,423 ÃkkA÷k ð»koLke)

85,82,44,568 17) Profit carried forward to Balance Sheet - LkVku su MkhðiÞk{kt ÷E økÞk 1,10,24,26,735

6,90,21,34,040

3,93,45,06,748 ÚkkÃkýku yLku fhs WÃkh ÔÞks

6,51,34,44,541

31.03.2017Rs.

31.03.2018Rs.Rs.

EXPENDITURE - ¾[o

PROFIT AND LOSS ACCOUNT FOR

íkk. 31-3-2018Lkk hkus Ãkwhk Úkíkk

Significant Accounting Policies & Notes on Accounts Schedule - I

Navnitbhai Chimanlal Patel

Chairman

Vinod G. Dadlani


Date : 18.05.2018

Place : Ahmedabad

Subject to our report of even date

FOR, R. S. PATEL & CO.


FRN No. 107758W

RAJAN B. SHAH

Partner

Membership No. 101998

Date : 18.05.2018

Place : Ahmedabad44


1) Interest & Discount - 6,36,97,01,289

(Of which Interest from Investment Rs. 2,22,01,66,650/-)

( P.Y. Rs. 2,01,67,22,202/-)

(su Ãkife hfkýku Mkk{u {¤u÷ ÔÞks Yk. 2,22,01,66,650/-)

(Yk. 2,01,67,22,202 ÃkkA÷k ð»koLke/-)

7,86,87,496 2) Commission Exchange & Brokerage - f{eþLk, ðxkð yLku Ë÷k÷e 10,60,00,745

— 3) Subsidies & Donations - MkçkMkeze yLku zkuLkuþLk —

— 4) Income from non banking assets and profit from —

sale or dealing with such assets

LkkuLk çkUfªøk yMfÞk{íkkuLkk ðu[ký yøkh nuhVuhÚke ÚkÞu÷ ykðf

30,87,93,131 5) Other Receipts - çkeS ykðf 40,35,92,169

90,01,448 6) Profit on Sale of assets (Net of loss) - yMfÞk{íkkuLkk ðu[kýÚke ÚkÞu÷ LkVku 1,17,48,805

3,16,04,041 7) Prudential W/O Recovery - «wzuLþeÞ÷ hkEx ykuV hefðhe 1,10,91,032

9,00,00,000 8) Bad and Doubtful Debts Written Back 0

çkuz yLku zkWxVq÷ zuçx hexLko çkuf

0 9) Loss (if any) 0

6,90,21,34,040

5,99,53,58,425 ÔÞks yLku ðxkð

6,51,34,44,541

ð»koLkwt LkVk-LkwõþkLk ¾kíkwtTHE YEAR ENDED 31-03-2018

Percy Faramroj Bharucha

Managing Director

Mineshbhai Jashbhai Patel

Vice Chairman

Directors

Shri Ambubhai Patel






Maganbhai Shri Bhalabhai Chhotabhai Patel




Smt. Purviben Anantanand Pokharial


31.03.2017Rs.

31.03.2018Rs.Rs.

INCOME - ykðf

45


SCHEDULE - I

NOTES FORMING PART OF BALANCE SHEET & PROFIT & LOSS ACCOUNT FOR

THE YEAR ENDED 31/03/2018.

(A) SIGNIFICANT ACCOUNTING POLICIES :

1. ACCOUNTING CONVENTION

The financial statements are prepared by following the going concern concept on historical cost basis unless otherwise

stated and conform to statutory provisions and practices prevailing in India.

2. USE OF ESTIMATES :

The preparation of financial statements in conformity with generally accepted accounting principles requires

management to make estimates and assumptions that affect the reported amounts of assets and liabilities and

disclosure of contingent liabilities at the date of the financial statements and the results of operations during the

reporting period end. Although these estimates are based upon management's best knowledge of current events and

actions, actual results could differ from these estimates.

3. ADVANCES :

(a) In terms of guidelines issued by the RBI, advances to borrowers are classified into “Performing” or “Non-

Performing” assets based on recovery of principal / interest. Non-Performing Assets (NPAs) are further classified as

Sub-Standard, Doubtful and Loss Assets.

(b) Provision for Standard Assets is made at the flat rate of 1%.

(c) N.P.A. Provision :

Provisions for losses made on non performing advances are on the basis of assets classification and provisioning

requirement as per the prudential norms prescribed by the Reserve Bank of India and revised from time to time as

under:

i) Substandard = 10%

II) Doubtful = 100% of unsecured portion plus

20%/30%/100% of the secured portion depending on the period

for which the advances has remained doubtful.

iii) Loss Assets = 100%

(d) Additional Provisions carried in accounts over and above requirements under the prudential norms prescribed by

the Reserve Bank of India, which can be considered as earmarked reserve is as follows.

i. Bad & Doubtful Debts Provision u/s 36 (1) (viia)

ii. Bad & Doubtful Debts Reserve

(e) The overdue interest in respect of advances is provided separately under Overdue Interest Reserve as per the

directive issued by the Reserve Bank of India.

4. FIXED ASSETS AND DEPRECIATION :

a) Fixed assets are stated at their historical cost less accumulated depreciation. Cost includes incidental expenses

incurred on acquisition of assets.

b) Premises and other fixed assets (including land wherever the cost of land is not segregated) are depreciated on

written down value method at the following rates.

46


c) Depreciation on I.T. equipments & Software is provided @ 33.33% on straight-line method as per RBI guidelines.

d) Depreciation on fixed assets purchased during the year is charged for the entire year if the assets are purchased

and retained for 180 days or more. Otherwise it is charged at 50% of the normal rate. No Depreciation is charged

on fixed assets sold before the half-year and depreciation @ 50% of the normal rate is provided for assets sold

after 30/09/2017.

e) Goodwill is amortized over a period of 5 years including the year of merger as per RBI Guidelines.

5. INVESTMENTS:

(a) The entire Investment portfolio of the bank is classified, in accordance with the Reserve Bank of India guidelines,

into three categories:

i. Held to maturity comprising of Investments acquired with the intention to hold them till maturity.

ii. Held for trading comprising of investments acquired with the intention to trade.

iii. Available for sale comprising of investments, which are not classified in above two categories.

(b) Investments are further categorised as :

i) Central & State Government Securities

ii) Approved Trustee Securities

iii) Shares of Co-operative Banks

iv) Shares

v) Other Investments (P.S.U. & A.F.I. Bonds)

vi) Debt/Money Market Liquid Fund Investments

(c) Investments classified as Held to maturity are carried at acquisition cost unless it is more than face value, in which

case the premium is amortized over the period remaining to maturity.

(d) Investments classified as Held for Trading and Available for Sale are marked to market scrip wise and the resultant

depreciation is recognized in profit & loss account. Net appreciation is ignored.

(e) Treasury Bills under all the classifications are shown at carrying cost.

(f) Profit or loss on sale of investments held for trading and available for sale is taken to the profit and loss account.

(g) Shifting from Held for Trading (HFT) category to Available for Sale (AFS) category is done at the Acquisition Cost

or Book Value or Market Value on the date of transfer, whichever is the least, and the depreciation, if any, on such

transfer is provided.

(h) For the purpose of valuation, market value in the case of Central and State Government securities, PSU bonds is

determined as per RBI guidelines on the basis of the “Yield to Maturity” indicated by Primary Dealers Association

of India (PDAI)/ Fixed Income and Money Market Derivatives Association of India (FIMMDA). Shares of co-

operative Banks and subsidiary company are stated at cost.

Sr. No. Particulars Rate of Depreciation

1. Building 5 %

2. Furniture Fixtures

A. General 15 %

B. Electric Items 25 %

3. Electric Fittings 20 %

4. Motor Vehicles 20 %

5. Lifts 25 %

6. A.C. Plant 25 %

7. Safe deposit vault 15 %

8. Solar Power Plant 25 %

47


6. REVENUE RECOGNITION

Income/Expenditure are accounted on accrual basis except the following, which are accounted for on cash basis.

(a) Income:

i. Interest and other income on Non Performing Assets are recognized as per RBI guidelines.

ii. PMJBY commission is recognized on receipt basis.

7. EMPLOYEE BENEFITS:

I. Short Terms Employment Benefits

The undiscounted amount of short term employee benefits expected to be paid in exchange for services rendered

by employees is recognized during the period when the employee renders the services.

II. Post Employment Benefit Plans

a. Defined Contribution Plans:

• The Bank has Defined Contribution Plans for post employment benefits, charged to Profit & Loss Account, in

form of:

• “Provident Fund / Employee’s Pension Fund” administered by the Regional Provident Fund Commissioner.

b. Defined Benefit Plans :

• Funded Plan : The Bank has Defined Benefit Plan for post employment benefit in the form of Gratuity for all

employees administered through Trust, funded with Life Insurance Corporation of India.

• Liability for the above is provided on the basis of Actuarial valuation, as at the Balance Sheet date. The

Actuarial method used for measuring the liability is the “Projected Unit Credit Method.

III. Long Term Employment Benefits

The liability in respect of Compensated Absences which are expected to be availed or encashed beyond 12

months from the end of the year is treated as long term employment benefits. The Bank’s liability is actuarially

determined using the Projected Unit Credit method at balance sheet date & funded with Life Insurance

Corporation of India.

IV. The Actuarial gains and losses arising during the year are recognized in the Profit & Loss account for the year.

8. ACCOUNTING FOR AMALGAMATION

Accounting for Amalgamation in case of amalgamated Banks with the Bank is carried out as per the guidelines issued

by the RBI, from time to time.

9. ACCOUNTING FOR TAXES ON INCOME :

Current year tax is determined as the amount of tax payable in respect of taxable income for the year.

Deferred tax is recognized on timing difference between the accounting income and tax income that originate in one

period and are capable of reversal in one or more subsequent periods. Break up of Deferred Tax Liability (Net) as on

31/03/2018 is as under

Particulars Deferred tax Current year Deferred tax

(Liability) / (Charge)/ Credit (Liability) /

Asset as on to profit and Assets as on

01/04/2017 loss account 31/03/2018

• Difference between book depreciation -18.73 -39.02 -57.75

and depreciation as per income tax

(Including Goodwill)

• Special Reserve u/s 36(1)(viii) of -683.12 -197.22 -880.34

Income Tax Act, 1961

• Gratuity & Leave Encashment -8.06 -129.69 -137.75

• Disallowance u/s 40(1)(ia) 0 0

• Deferred Tax Liability (Net) -709.91 -365.93 -1075.84

(Rs. in Lacs)

48


10. FOREIGN CURRENCY TRANSACTIONS:

1. Foreign currency transactions are recorded on initial recognition in the reporting currency by applying to the

foreign currency amount of the exchange rate between the reporting currency and the foreign currency on the

date of the transaction.

2. Foreign currency monetary items are reported using the Foreign Exchange Dealers Association of India (FEDAI)

closing spot rates and exchange difference arising on the same is recognized in profit and loss account.

3. Contingent liabilities denominated in foreign currency are reported using the FEDAI closing spot rates.

4. Outstanding foreign exchange spot and forward contracts held for trading are revalued at the exchange rates

notified by FEDAI for specified maturities and the resulting profit or loss is included in the profit and loss account.

5. Exchange difference arising on the settlement of monetary items at rates different from those at which they were

initially recorded are recognized as income or expense in the period in which they arise.

11. EVENTS OCCURING AFTER THE BALANCE SHEET DATE

Material adjusting events (that provides evidence of condition that existed at the balance sheet date) occurring after the

balance sheet date are recognized in the financial statements. Non adjusting events (that are indicative of conditions

that arose subsequent to the balance sheet date) occurring after the balance sheet date that represents material change

and commitment affecting the financial position are disclosed in the reports of the Board of Directors.

12. PROVISION

Provisions involving substantial degree of estimation in measurement are recognized when there is a present obligation

as a result of past events and it is probable that there will be an outflow of resources even though the amount cannot

be determined with certainty and represents only a best estimate in the light of available information. Contingent

liabilities are not recognized but are disclosed in the notes. Contingent assets are neither recognized nor disclosed in

the financial statements.

13. Impairment of Assets:

A substantial portion of the bank's assets comprise of `financial assets` to which Accounting standard 28 “Impairment of

assets” is not applicable. In respect of assets to which Standard applies, in the opinion of the management, there are no

indications, internal or external, which could have the effect of impairing the value of the assets to any material extent

as at 31st March, 2018 requiring recognition in terms of the said standard.

14. Cash and Cash Equivalents:

Cash and cash equivalents include cash on hand and in ATM, balances with Reserve Bank of India, State Co. Op. Bank,

District Co. Op. Bank & Balances with other banks in current account.

(B) NOTES ON ACCOUNTS :

1. The Bank continues to be registered under Multi-State Co-op. Societies Act 1984 (as amended from time to time)

since 08.09.1995 on obtaining such registration. The bank has thereafter preferred to cancel the registration under

Gujarat State Co-operative Societies Act. 1961 effectively from 02.07.1996. The bank is having 51712 shareholders

as on 31-03-2018. No shareholder is holding more than 2.5% of the total shareholding of the bank.

49


2. Under normal business transactions the bank has sanctioned loans to the members of the board of Directors

aggregating to Rs. 598.47 Lacs (Previous Year 553.91 Lacs) The aggregate balance outstanding as at 31.03.2018 is

Rs. 240.59 Lacs (Previous Year Rs. 239.78 Lacs) . All advances are in the nature of overdraft against fixed deposit

and are as per RBI Guidelines.

3 Provision for Non-Performing Assets

4. Previous year figures have been regrouped / rearranged to the extent necessary / practicable.

5. Estimated amount of contracts remaining to be executed on capital account & not provided for

(Net of Advances) : C.Y. Rs. 107.77 lacs (P.Y. Rs.22.99 lacs).

6. Other Commitment : C.Y. Rs. 0.00 lacs (P.Y. Rs.124.00 lacs)

7. Contingent Liabilities

Particulars Bad & Doubtful Debts Reserves &

Bad & Doubtful Debts Provision u/s 36 (1) (viia)

Balance as on 31.03.2018 17139.99

Less: Provision required 6432.21

Excess Provision held 10707.78

Sr. No. Particulars 31.03.2018 31.03.2017

A Contingent liabilities in respect of Bank guarantees,

Letters of credit, Forward contracts etc.

1 Bank Guarantee & Letter of Credit (including Buyers’ Credit) 56669.21 41833.40

2 Forward Contract (Forex) 257847.40 83980.48

B Claims not acknowledge as Debt

1 Income Tax Assessment order contested 611.07 1770.65

Particulars 2017-18 2016-17

Opening balance of amount transferred to DEAF 525.72 466.93

Add : Amount transferred to DEAF during the year 134.68 75.47

Less : Amount reimbursed by DEAF towards claims 7.24 16.68

Closing balance of amount transferred to DEAF 653.16 525.72

(Rs. in Lacs)

(Rs. in Lacs)

(Rs. in Lacs)

Above Income Tax & Service Tax demand comprises of disputed cases where Bank has filed appeals against the demand

and is confident to get favorable judgment.

In terms of DBOD circular No. DEAF Cell.BC.114/30.01.002/2013-14 dated May 27,2014, the Bank has transferred credit

balances amounting to Rs.75.47 lakhs(Previous year: 132.4 lakhs)(mentioned in sub-clause 1)to viii) in clause 3 of DEAF

Scheme 2014) maintained with the bank which have not been in operation for 10years or more. The required disclosure

as per the said circular is as under:

8. Bank has paid DICGC premium of Rs. 3,84,25,164/- (including GSTof Rs. 58,61,466/-) for half year ending

31st March, 2018 insuring deposits of Rs. 6512.74 crores.

9. Employees’ Benefits

In accordance with Accounting Standard (AS–15) “Employees Benefits”(Revised 2005), issued by the Institute of

Chartered Accountants of India, the obligation of the bank, on account of employee benefit, based on

independent actuarial valuation is accounted for in the books of account.

50


The Bank has classified the various benefits provided to employees as under :

(I) Defined Contribution Plans :

Provident Fund / Employees' Pension Fund

During the year, the bank has recognized the following amounts in the Profit & Loss Account

(II) Defined Benefit Plans:

(i) Contribution to Gratuity Fund

(ii) Contribution to leave encashment liability.

In accordance with Accounting Standard 15, relevant disclosures are as under.

(A) Changes in Defined Benefit Obligation

(i) Gratuity (Rs. In Lacs)

Employer’s Contribution to Provident Fund 181.98

(166.75)

Employers’ Contribution to Pension fund 111.58

(107.95)

The above amounts are included in salaries allowances & Provident Funds in the Profit & Loss Accounts.

Particulars 2017-2018 2016-2017

Defined Benefit Obligation as at the beginning of the year 2101.53 1916.63

Current Service Cost 156.64 148.34

Interest Cost 155.51 149.50

Benefit Paid (172.98) (126.31)

Past service Cost 1.73 0

Actuarial (gain) / loss on Obligations (147.13) 13.37

Defined Benefit Obligation as at the end of the year 2095.30 2101.53

(ii) Leave Encashment (Rs. In Lacs)

Particulars 2017-2018 2016-2017

Defined Benefit Obligation as at the beginning of the year 1914.37 1763.28



Benefit Paid (127.66) (106.10)

Actuarial (gain) / loss on Obligations (107.66) (25.87)


(Rs. In Lacs)

(B) Changes in the Fair Value of Plan Assets (Funded Scheme)


Particulars 2017-2018 2016-2017

Fair Value of Plan as at the beginning of the year 2127.27 1863.56

Expected Actual Return on plan Assets 151.07 140.43

Actuarial Gains/(Losses) 3.57 6.95

Contributions 246.51 242.64

Benefit Paid (172.98) (126.31)

Fair Value of Plan Assets as at the end of the year 2355.44 2127.27

51


(C) Amount recognized in the Balance Sheet:


Particulars 2017-2018 2016-2017



Liability / (Asset) recognized in the Balance Sheet included in (260.14) (25.74)

other liabilities and other assets respectively.


Particulars 2017-2018 2016-2017

Fair Value of Plan as at the beginning of the year 2037.28 1941.69

Expected Actual Return on plan Assets 146.16 151.44

Actuarial Gains/(Losses) 4.26 1.56

Contributions 205.14 48.69

Benefit Paid (127.66) (106.10)



Particulars 2017-2018 2016-2017



Liability / (Asset) recognized in the Balance Sheet included in (286.64) (122.91)

other liabilities and other assets respectively.

(D) Expenses recognized in the Profit & Loss Account:


Particulars 2017-2018 2016-2017



Past Service Cost 1.73 0

Expected Return on Plan Assets (151.07) (140.43)

Net actuarial (gain)/ Loss recognized in the period (150.70) 6.42

Total Expenses recognized in the P&L Account. 12.11 163.83


Particulars 2017-2018 2016-2017



Expected Return on Plan Assets (146.16) (151.44)

Net actuarial (gain)/ Loss recognized in the period (111.92) (27.42)

Total Expenses recognized in the P&L Account. 41.41 104.19

52


e) Mortality rates considered are as per the published rates in the Life Insurance Corporation (1994-1996) Mortality

table.

f) The estimates of future salary increases are considered in the actuarial valuation, taken on account of inflation,

security, promotion and other relevant factors such as supply and demand in the employment market.

10. The Bank is a Co-operative society under the Multi State Co-operative Society Act, 2002 and there are no related party

requiring disclosure under the AS-18 issued by the ICAI, other than one Key Management Personnel, viz. Mr. Vinod G.

Dadlani, General Manager & CEO of the Bank. However, having regard to the RBI circular

No.DBOD.BP.BC.89/21.04.018/2002-03 dated March 29, 2003, he being single party coming under the category, no

further details thereon are required to be disclosed.

11. As per Accounting Standard 17 issued by The Institute of Chartered Accountant of India for the segment reporting the

operation areas of bank is separated in to segments, which is as follows.

1. Types of products & services in each business segment :-

i) Treasury : Dealing operations in money market Instruments

ii) Other Banking Operations: Local Finance / Services.

2. Secondary Segment Information : Bank Caters mainly to the needs of Indian customers; hence separate

information regarding secondary segment i.e. Geographical Segment is not given.

3. Allocation of common cost: To the extent the cost can be directly identified they are allocated to related segment,

other common cost are allocated on reasonable basis.

4. Unallocated Items: Unallocated items include general banking items which are not allocated to any business

segment.

(E) Category of Plan Assets:

The Bank's plan Assets in respect of Gratuity & Leave encashment are funded through the Scheme of the Life

Insurance Corporation of India.

(F) Actuarial Assumptions

In accordance with Accounting Standard – 15, actuarial valuation as at year end of the year was performed in

respect of the aforesaid Defined Benefit Plans based on the following assumptions.

Particulars 2017-2018 2016-2017

Gratuity Leave Gratuity Leave

[Funded Encashment [Funded Encashment

Scheme] [Funded Scheme] [Funded

Scheme] Scheme]

a) Discount rate ( per annum) 7.60% 7.60% 7.40% 7.40%

b) Rate of Return on Plan Assets 7.40% 7.40% 7.80% 7.80%

c) Expected Retirement age of employees 58 years 58 years 58 years 58 years

d) Annual increase in Salary Cost 10.00% 10.00% 10.00% 10.00%

53


2017-2018 2016-2017

Particulars Treasury Other Total Treasury Other Total

Banking Banking

Operations Operations

Segment Revenue 22858.45 46162.89 69021.34 20332.91 43901.54 64234.45

Unallocated Revenue -

Less ;

Segment Expenses 22089.90 29932.77 52022.67 16992.65 34028.47 51021.12.

Segment Profit 768.55 16230.12 16998.67 3340.26 9873.07 13213.33

INCOME TAX 5974.00 4630.88

NET PROFIT 11024.67 8582.45

Segment Assets 345720.36 445835.05 791555.41 284607.35 472701.14 757308.48

Unallocated Assets 18836.08 13257.54

Total Assets 345720.36 445835.05 810391.49 284607.35 472701.14 770556.02

Segment Liabilities 288171.95 371621.61 659793.56 240093.14 398767.98 638861.12

Unallocated Liabilities 18626.91 12652.91

Total Liabilities 288171.95 371621.61 810391.49 240093.14 398767.98 651514.03

Capital Employed (Segment 57548.41 74213.14 131761.85 44514.21 73933.15 118447.36

Assets– Segment Liabilities)

Unallocated 209.17 604.63

Total Capital Employed 57548.41 74213.14 131971.02 44514.21 73933.15 119051.99

12. Details of Computer Software – other than internally generated (AS-26) (Rs. In Lacs)

Particulars As on 31.03.2018 As on 31.03.2017stOpening Balance (at cost) as on 1 April 903.90 740.54

Add : Addition during the year 99.84 163.36

Less : Deduction during the year --- ---

Sub-Total (A) 1003.74 903.90

Less : Amortisation made :

Opening Balance 754.86 641.71

Add : Amortisation during the year 63.72 113.15

Less : Deduction during the year --- ---

Sub-Total (B) 858.18 754.86stNet carrying amount as on 31 March 185.16 149.04

13. Details of Goodwill & its amortization (Rs. In Lacs)

Particulars As on 31.03.2018 As on 31.03.2017stOpening Balance (at cost) as on 1 April 1343.85 1343.85

Add : Addition during the year --- ---

Sub-Total (A) 1343.85 1343.85

Lees : Amortisation made :

Opening Balance 1075.08 806.31

Add : Amortisation during the year 268.77 268.77

Sub-Total (B) 1343.85 1075.08stNet carrying amount as on 31 March 0.00 268.77

54


14. Disclosure of various information as required by RBI circular no UBD CO.BPD.(PCB) CIR. No. 52/12.05.001/2013-14

dated 25.03.2014 is as under: - (Rs. In Crores)

Sr. Particulars As on As on

No. 31.03.2018 31.03.2017

1 Movement of CRAR:

(a) Tier – I Capital 15.29% 15.49%

(b) Tier – II Capital 1.44% 1.39%

Capital Adequacy Ratio (CRAR) (Total) 16.73% 16.88%

2 Investments:

a) Book value of investments 2438.61 2184.89

b) Face value of investments 2385.86 2125.08

c) Market value of investments 2404.94 2233.23

3. Advances against real estate, construction business 164.80 128.01

4 Advances against housing 494.66 379.42

5 Advances against shares & debentures 0.31 0.94

6 Advances to directors, their relatives, companies / firms in which they are interested:

a) Fund-based (Against Fixed Deposits) 2.41 2.40

b) Non-fund based (Guarantees, L/C, etc.) 0.00 0.00

7 Cost of Deposits :Average cost of deposits 6.26% 6.90%

8 Movement in NPAs

a) Gross NPAs 70.56 61.98

b) Gross NPAs to Gross Advances % 1.81% 1.47%

c) Net NPAs 0.00 0.00

d) Net NPAs to Net Advances % 0.00% 0.00%

Movement in NPAs(Rs)

a) Gross NPA at the beginning of the year 61.98 74.07

Add: Addition during the year 47.72 27.68

Less: reduction during the year -39.14 -39.77

At the end of the year 70.56 61.98

b) Net NPA at the beginning of the year 0.00 0.00

Add: Addition during the year 0.00 0.00

Less: reduction during the year 0.00 0.00

At the end of the year 0.00 0.00

9 Profitability:

a) Interest income as a percentage of working funds 8.52% 7.78%

b) Non-interest income as a percentage of working funds 0.66% 0.56%

c) Operating profit as a percentage of working funds 2.37% 1.91%

d) Return on Assets 1.40% 1.21%

e) Business (Deposits + Advances) per employee 12.81 12.94

f) Profit per employee 0.14 0.11

10 Provisions made towards NPAs, depreciation in investments 215.13 198.93

11 Movement in provisions:

a) Towards NPAs 128.72 112.52

b) Towards depreciation on investments 86.41 86.41

c) Towards standard assets 42.68 33.68

55


12 Foreign currency assets & liabilities:

(i) Assets 19.14 11.45

(ii) Liabilities 3.53 8.04

13 Payment of DICGC Premium 6.29 5.40

14 Penalty Impose by RBI --- ---

15 Restructured Accounts --- ---

16 Issuer Composition of Non SLR Investments and As per below As per below

Non Performing Non SLR Investments

15. Disclosure of various information as required by RBI circular no UBD (PCB) BPD Cir No: 14 /16.20.000/2007-08

dated 18.09.2007 is as under :-

1. Issuer composition of NON SLR Investments

2. Non Performing Non-SLR Investment (Rs. In Crores)

Particulars Amount

• Opening balance NIL

(NIL)

• Additions during the year since 1st April NIL

(NIL)

• Reduction during the above period NIL

(NIL)

• Closing balance NIL

(NIL)

• Total provision held NIL

(NIL)

56


Sr. Issuer Amount Extent of Extent of Extent of

No. below investment unrated unlisted

grade Securities securities securities

1 PSUs 13,69,50,000 - - -

(18,38,37,480 ) ( - ) ( - ) ( - )

2 FI’s 2,25,10,85,000 - - -

(220,10,85,000) ( - ) ( - ) ( - )

3 Nationalized Banks 25,00,00,000 - - -

(25,00,00,000) ( - ) ( - ) ( - )

4 Preference Shares of CCIL Ltd 14,00,00,000 - - 14,00,00,000

(19,00,00,000) ( - ) ( - ) (19,00,00,000)

5. Shares of NPCI 24,99,200 - - 24,99,200

(24,99,200) ( - ) ( - ) (24,99,200)

6 Others 9,64,23,200 - - -

(14,83,73,200) ( - ) ) (14,83,73,200)

7 Provision held towards depreciation 26,50,000 - - -

(31,67,480) ( - ) ( - ) ( - )

TOTAL 2,87,44,58,200 - - 14,24,99,200

(2,97,32,95,680) ( - ) ( - ) (33,83,73,200)

3. Additional Information of Investments

Particulars 31-03-2018 31-03-2017

1 Classification of Investments

Held to Maturity (HTM) 529.84 521.98

Held for Trading (HFT) 0.00 0.00

Available for sale (AFS) 1908.50 1662.63

Total Investments 2438.34 2184.61

2 Composition of Investments

SLR Investments

Central Govt. Securities 1579.21 1450.53

State Govt.Securities 261.43 226.50

Treasury Bills 0.00 0.00

Non SLR Investments

PSU Bonds 273.45 278.33

DEBT/ Money Market Mutual Funds 310.00 210.00

CCIL Preference Shares 14.00 19.00

NPCI Shares 0.25 0.25

Total Investments 2438.34 2184.61

3 Provisions for Depreciation in Value of Investments

Held in Books (IFR+IDR) 117.62 117.62

Erosion in Value of Investments (HTM+AFS) 41.42 13.03

Excess/(Short) Provision 76.20 104.59

16. There were no Repo/Reverse Repo Transactions during the year, other than LAF based Reverse Repo Transaction.

17. No penalty has been imposed by RBI on the Bank during the year.

18. Disclosure regarding Market Risk in Trading Book

[A] Qualitative Disclosures

In Trading book the Bank holds "Held for Trading "(HFT) and "Available for Sale "(AFS) portfolios of investments. The

rest of the assets – i.e. Investments under Held to Maturity portfolio and advances - are treated as Banking Book. Given

below is brief description of the Market Risk Management objectives and policies.

(i) Strategies and Processes:

Under Market Risk Management, Liquidity Risk, Interest Rate Risk and Foreign Exchange Risk, are monitored. Bank

is currently not trading in commodities and Equities.

• Liquidity Risk

ALM statement is scrutinized for monitoring Liquidity risk on a monthly basis. Prudential limit – for percentage of

cumulative mismatch to cumulative outflow - based on Reserve Bank of India guidelines for the short-term

buckets up to 28 days is monitored. Besides, prudential limits are in place for market borrowing – Daily and

average call borrowing – Inter Bank Liabilities, Purchased funds etc.

• Interest Rate Risk

Bank is analyzing Interest Rate sensitivity statement to assess the impact on Net interest income on monthly basis.

The Bank also uses duration gap analysis. Prudential limits have been fixed for duration of liabilities. Bank's

investments portfolio is monitored on the basis of duration analysis.

(Rs. In Crores)

57


• Foreign Exchange Risk

The Bank has fixed maximum daylight and overnight exposure for foreign exchange exposure in various

currencies as per RBI guidelines. Bank is undertaking mostly merchant transactions & covering the same in the

market. Also bank has fixed stop loss limits for monitoring the forex operations of the dealers.

(iii) Scope and nature of risk reporting and / or measurement systems:

In respect of domestic business the guidelines stipulated by RBI for managing Market Risk is followed such as –

Preparation of Interest Rate Sensitivity statement on a monthly basis – Duration analysis of investments in the

Trading book on a daily basis.

Various prudential measures have been put in respect of market borrowing and lending in conformity with RBI

guidelines for monitoring liquidity risk. Structural Liquidity statement is prepared on monthly basis and Short

Term Dynamic Liquidity statement on a fortnightly basis is generated and Dynamic liquidity is monitored.

[B] Quantitative Disclosures Capital Charge (Rs. in Lacs)

• Interest Rate Risk 9834.44

• Equity Position Risk ---

• Foreign Exchange Risk 135.00

19. Suppliers / service providers covered under Micro, Small, Medium Enterprises Development Act, 2006, have not

furnished the information regarding filing of necessary memorandum with the appropriate authority. Therefore,

information relating to cases of delays in payments to Micro and Small enterprise or of interest payments due to delays

in such payments could not be given.

20. Figures are given in “Amount in Rupees “.

For, R. S. Patel & Co.


FRN: 107758w

Rajan B. Shah

Partner

Membership No.101998

Place: Ahmedabad

Date: 18.05.2018

Place: Ahmedabad

Date: 18.05.2018

Navnitbhai C. Patel

Chairman

Percy F. Bharucha

Managing Director

Mineshbhai J. Patel

Vice Chairman

Directors.

Vinod G. Dadlani


58


31.03.2018 31.03.2017

(A) Cash Flow From operating activities

Net Profit before Taxation and Extraordinary items: 1919551 1472733

Adjustments for:

i) Depreciation on Fixed Assets 107225 108525

ii) Provisions & Contingencies

iii) Profit//loss on sale of Assets -11749 -9001

iv) Amortization Goodwill 26877 26877

v) Amortization of premium HTM 21838 23579

vi) Bad Debt writen off

vii) Provision for Bad & Doubtful Debt written back - -

viii) Provision for Bad & Doubtful Debt u/s 36(1) (viia) of I.T. Act written back - -

ix) MMC Bank Deposit written off

x) Provision for Doubtful Deposit written back 0 0

xi) Investment Written off - -

xii) Provision for IDR(MMCB) Written Back

144191 149980

Operating Profit before Working Capital Changes 2063742 1622713

Adjustments for Increase/Decrease in:

i) Advances 3177926 -8867173

ii) Other Assets -117526 -130160

iii) Investments -2559132 -2674641

iv) Deposits & Other Liabilities 2076983 10803227

V) Fixed Deposit -3362442 1035520

VI) Money at call short(Reverse Repo) -39443 -1060000

-823634 -893227

Cash Generated from Operations 1240108 729486

Direct Taxes paid -557853 -438509

Less: Refund 0 0

Direct Taxes including (Net of Refund) -557853 -438509

Cash Flow before extraordiinary item 682255 290977

Extra Ordinary Items 0 0

Net Cash Flow from operating activities 682255 290977

(B) Cash Flow from investing activities

Purchase of Fixed Assets & Addition on account of Merger (net of sales) -68509 -268782

Goodwill on Merger

Capital Reserve on Merger 0 0

Net cash from investing activities -68509 -268782

613746 22195

(C) Cash Flow from Financing Activities

Increase in Share Capital & Nominal Mem. 7026 10991

Dividend -99315 -99625

Payment for Charities/Donations -9449 -7575

Payment for Scholarships/Member Incentives 10851 -3192

Entrance fee 463 650

Movement of Reserve 64755 -16090

Net Cash From financing activities -25669 -114841

Net Increase in cash and cash equivalents 588077 -92646

Cash & Cash equivalents as at (Opening) 3009451 3102097

Cash & Cash equivalents as at (Closing) 3597528 3009451

3597528 3009451

stWe have examined the above cash flow statement of The Kalupur Commercial Co Op bank Ltd for the year ended 31 March, 2018. The statement has been

prepared by the bank as per Accounting Standard-3 issued by ICAI and is in agreement with the corresponding Profit & Loss Account and Balance Sheet of the

Bank covered by our even dated report to the members of the Bank.

SCHEDULE - II

Cash Flow Statement for the Year Ended 31st March, 2018

Place: Ahmedabad

Date: 18.05.2018

For, R. S. Patel & Co. Chartered Accountants FRN: 107758w

Rajan B. ShahPartnerMembership No.101998

(Rs. in '000)

59


þk¾k rðfkMk Mkr{ríkyku / Branch Development Committees

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MICR CODE : 380126002IFSC CODE : KCCB0KLP001

¾ku¾hk {nu{ËkðkË þk¾kMÚkkÃkLkk : 26-05-1976

•• ©e hkSð¼kR Mkw¼k»k¼kR Xkfkuh• ©e f{÷uþ¼kR LktË÷k÷¼kR þuX• ©e nu{tík¼kR sþðtík÷k÷ Ãkhe¾• ©e çkehuLk¼kR [eLkw¼kR þkn• ©e ÃkheLk S. {kuËe - þk¾k {uLkush

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MICR CODE : 380126003IFSC CODE : KCCB0KMD002

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çkkð¤k þk¾k MÚkkÃkLkk : 22-08-1977

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VkuLk Lkt. : (02714) 232878, 232782E-mail : [email protected]

MICR CODE : 380126023IFSC CODE : KCCB0BVL003

©e nMk{w¾¼kR økkuÃkk÷ËkMk Ãkxu÷

çkkhuò þk¾kMÚkkÃkLkk : 14-12-1978

• ©e nMk{w¾¼kR økkuÃkk÷ËkMk Ãkxu÷• ©e h{ý¼kR ytçkk÷k÷ Ãkxu÷• ©e nrhr¢»ý¼kR ¼økðkLkËkMk Ãkxu÷• ©e «¿kuþ¼kR økkuhÄLk¼kR Ãkxu÷• ©e MktsÞ¼kR ÃkhMkku¥k{ËkMk Ãkxu÷• ©e Ãkhuþ¼kR rðLkkuË¼kR økßsh• ©e {nuLÿ¼kR Lkxðh÷k÷ Ãkxu÷• ©e ¼hík¼kR hýAkuz¼kR Ãkxu÷• ©e ÞkuøkuLk¼kE ¼÷k¼kE Ãkxu÷• ©e ði¼ð su. þkn - þk¾k {uLkushÃkt[ ¼køk ÃkkMku, íkeLkçk¥ke, çkkhuò - 382425, S. y{ËkðkË.VkuLk : (02718) 233917, 282229E-mail : [email protected] CODE : 380126024IFSC CODE : KCCB0BRJ004

MkkýtË þk¾k MÚkkÃkLkk : 24-10-1980

• ©e nMk{w¾¼kR økkuÃkk÷ËkMk Ãkxu÷• ©e hkuneíkfw{kh çkwÄk÷k÷ {nuíkk• ©e ®n{ík÷k÷ Akuxk÷k÷ Ãkxu÷• ©e þk{S¼kR hk{S¼kR Ãkxu÷• ©e f{÷uþ fu. Ãkxu÷ - þk¾k {uLkush

¾heË ðu[ký Mkt½ ÃkkMku, Lk¤ Mkhkuðh ºký hMíkk, MkkýtË - 382110. S. y{ËkðkË.

VkuLk Lkt.: (02717) 224351, 222247E-mail : [email protected] CODE : 380126025IFSC CODE : KCCB0SNN005

WM{kLkÃkwhk þk¾kMÚkkÃkLkk : 12-11-1980

• ©e çkeÃkeLk[tÿ híke÷k÷ þkn• ©e WÃkuLÿ¼kR økýÃkík¼kR Ãkxu÷• ©e y{úík÷k÷ {kÄð÷k÷ Ãkxu÷• ©e ðMktík¼kR þeð÷k÷ þkn• ©e Ëe÷eÃk¼kR ÷û{ý¼kR Ãkxu÷• ©e hksuþ Ãke. þkn - þk¾k {uLkush

rfíkeo Mkkøkh fkuBÃk÷uûk, hýAkuzS {trËh ÃkkMku, WM{kLkÃkwhk, y{ËkðkË - 380013.

VkuLk Lkt.: 27561140, 27552842E-mail : [email protected] CODE : 380126004IFSC CODE : KCCB0USM006

60


ðxðk þk¾kMÚkkÃkLkk : 29-08-1983

• ©e {eLkuþ¼kE sþ¼kE Ãkxu÷• ©e ¼qÃkuLÿ¼kR Mke. Ãkxu÷• ©e h{uþ¼kR Lkxðh÷k÷ Ãkxu÷• ©e rçkrÃkLk¼kR Y½LkkÚk¼kR Ãkxu÷• ©e yLktøk¼kR fwtsrðnkhe þkn• ©e «Vw÷¼kR {kuíke÷k÷ ðu÷kýe• ©e hkfuþ¼kR fktrík¼kR Ãkxu÷• ©e rníku»k¼kR rðê÷¼kR Ãkxu÷• ©e f]ýk÷ {eLkuþ¼kE Ãkxu÷• ©e WŠ{÷ yuLk. þkn - þk¾k {uLkush

Ã÷kux Lkt. 1110, S.ykR.ze.Mke. VuÍ-3, yuV-hkuz, ykçkkË çkufhe ÃkkMku, ðxðk, y{ËkðkË - 382445.VkuLk Lkt.: 25831067, 25890691E-mail : [email protected] CODE : 380126007IFSC CODE : KCCB0VTV009

Mkku÷k hkuz þk¾kMÚkkÃkLkk : 17-07-1987

• ©e ¾kuzk¼kR fkr÷ËkMk Ãkxu÷• ©e fktíke¼kR y{Úkk¼kR Ãkxu÷• ©e h{uþ¼kR fuþð÷k÷ Ãkxu÷• ©e çkeÃkeLk¼kR {q¤S¼kR ¼÷kðík• ©e fktíke¼kR Þw. Ãkxu÷• ©e nMk{w¾¼kR Lkxðh÷k÷ Ãkxu÷• ©e Søkh ze. Ãkxu÷ - þk¾k {uLkush

1, íkeÚkoLkøkh MkkuMkkÞxe, rð.-3, MkðkuoËÞ MkkuMkkÞxe rð-1 Mkk{u, ¼qÞtøkËuð [kh hMíkk, Mk¥kkÄkh hkuz, Mkku÷k hkuz, y{ËkðkË - 380061.

VkuLk Lkt.: 27433529, 27452471E-mail : [email protected] CODE : 380126010IFSC CODE : KCCB0SLR012

Mkutx ÍurðÞMko Mfw÷ hkuz þk¾kMÚkkÃkLkk : 15-05-1983

• ©e {eLkuþ¼kR sþ¼kR Ãkxu÷• ©e ykþe»k¼kR þtfh÷k÷ økwY• ©e ¼økðík«MkkË {ýe÷k÷ Ãkxu÷• ©e fLkw¼kE økkuÃkk÷ËkMk Ãkxu÷• ©e rðLkkuË çke. Ãkxu÷ - þk¾k {uLkush

yûkh ykfuoz, {u{Lkøkh VkÞh MxuþLk Mkk{u, LkðhtøkÃkwhk, y{ËkðkË - 380009.

VkuLk Lkt.: 26462241, 26462242E-mail : [email protected] CODE : 380126006IFSC CODE : KCCB0SXS008

Ãkºkfkh fku÷kuLke þk¾kMÚkkÃkLkk : 12-09-1986

• ©e {eLkuþ¼kE sþ¼kE Ãkxu÷• ©e çkeÃkeLk[tÿ híke÷k÷ þkn• ©e LkøkeLk¼kR {tøk¤ËkMk þkn• ©e søkËeþ¼kR {økLk÷k÷ {w÷kýe• ©e þktíke÷k÷ økehÄh÷k÷ Ãkxu÷• ©e fuíkLk¼kE økku®ðË÷k÷ Ãkxu÷• ©e rLkhð yu. Ãkxu÷ - þk¾k {uLkush

ytfwh fku{ŠþÞ÷ fkuBÃk÷uûk, ytfwh çkMk MxuLz ÃkkMku, LkkhýÃkwhk, y{ËkðkË - 380013.

VkuLk Lkt.: 27433028, 27452350E-mail : [email protected] CODE : 380126009IFSC CODE : KCCB0PCR011

Ãkt[ðxe þk¾kMÚkkÃkLkk : 04-04-1989

• ©e LkðLkeík¼kR [e{Lk÷k÷ Ãkxu÷• ©e ¼÷k¼kE Akuxk¼kE Ãkxu÷• ©e ¼qÃkuLÿ¼kR sÞtíke÷k÷ þkn• ©e ySík¼kR h{ý÷k÷ þkn• ©e Ãkhuþ¼kR Lkxðh÷k÷ ík÷kxe• ©e hkfuþ ykE. siLk - þk¾k {uLkush

MkLk ÃkkuRLx, þktíke MkËLk MkkuMkkÞxe, Ãkhe{÷ økkzoLk ÃkkMku, yu÷eMkçkúes, y{ËkðkË - 380006.

VkuLk Lkt.: 26444952, 26466930E-mail : [email protected] CODE : 380126011IFSC CODE : KCCB0PCV013

yuMk. yu{. hkuz þk¾kMÚkkÃkLkk : 08-11-1981

• ©e zkp. rËLkuþ¼kR yu{. y{eLk• ©e «n÷kË¼kR ytçkk÷k÷ Ãkxu÷• ©e fhþLk¼kR f[hk¼kR Ãkxu÷• ©e fLkw¼kR fk¤eËkMk Ãkxu÷• ©e MkwhuLÿ¼kR Mke. Ãkxu÷• ©e sir{Lk¼kR søkËeþ¼kR þkn• ©e rððuf¼kR «n÷kË¼kR Ãkxu÷• ©e íkkhf¼kR su. Ãkhe¾ - þk¾k {uLkush

1, ðMktík hsçk MkkuMkkÞxe, Ãke yuLz xe. fku÷kuLke ÃkkMku, Mkuxu÷kRx hkuz, Mkuxu÷kRx, y{ËkðkË-380015.

VkuLk Lkt.: 26731182, 26764450E-mail : [email protected] CODE : 380126005IFSC CODE : KCCB0SMR007

yk©{ hkuz þk¾kMÚkkÃkLkk : 01-07-1986

• ©e {eLkuþ¼kR sþ¼kR Ãkxu÷• ©e ¼qÃkuLÿ¼kR sÞtíke÷k÷ þkn• ©e fehex¼kR hk{¼kR Ãkxu÷• ©e rÄhuþ¼kR ík÷f[tË þkn• ©e økkiík{¼kR þktrík÷k÷ þkn• ©e ytçkk÷k÷¼kR çke. Ãkt[k÷ (Retd. IAS)

• ©e{íke r{¥k÷çkuLk {ki÷ef¼kR Ãkxu÷• ©e f{÷uþfw{kh rfþLk[tË siLk• ©e «Vw÷¼kR yu{. Ãkxu÷ - þk¾k {uLkush

‘fk÷wwÃkwh çkUf ¼ðLk’, RLf{xuûk Mkfo÷ ÃkkMku, yk©{ hkuz, y{ËkðkË - 380014.

VkuLk Lkt.: 27582020-26, 27582030E-mail : [email protected] CODE : 380126008IFSC CODE : KCCB0ASR010

ðMºkkÃkwh þk¾kMÚkkÃkLkk : 10-06-1994

• ©e ¼÷k¼kR Akuxk¼kR Ãkxu÷• ©e çktMke¼kR {nkMkw¾¼kR Ãkxu÷• ©e ySík®Mkn çke. {rnzk• ©e MkwhuLÿ¼kR yu{. MkkuLke• ©e yLktík¼kE ze. Ãkxu÷• ©e íkÃkLk su. X¬h - þk¾k {uLkush

rn{k÷Þk ykfuoz, ðMºkkÃkwh ÷uf Mkk{u, ðMºkkÃkwh, y{ËkðkË - 380015.

VkuLk Lkt.: 26750673, 26752049E-mail : [email protected] CODE : 380126013IFSC CODE : KCCB0VSR015

Lkðk ðkzs þk¾kMÚkkÃkLkk : 05-07-1994

• ©e fuíkLk¼kR SíkuLÿ¼kR Ãkxu÷• ©e sÞf]»ý¼kR Açke÷ËkMk Ãkxu÷• ©e ¼ku¤k¼kR huðLkËkMk Ãkxu÷• ©e rðMkk¼kR ¾kuzeËkMk Ãkxu÷• ©e ft[Lk¼kR Vkuøkx÷k÷ Ãkt[k÷• ©e Ãk÷f¼kR Mke. þkn - þk¾k {uLkush

rLk÷ fkuBÃk÷uûk, ÔÞkMkðkze Mkk{u, Lkðk ðkzs, y{ËkðkË - 380013.

VkuLk Lkt.: 27646976, 27645352E-mail : [email protected] CODE : 380126015IFSC CODE : KCCB0NVW016

61


RMkLkÃkwh þk¾kMÚkkÃkLkk : 15-06-1995

• ©e nMk{w¾¼kR økkuÃkk÷ËkMk Ãkxu÷• ©e h{uþ¼kR fkLkS¼kR ÷k¾kýe• ©e MkwnkMk¼kR yh®ðË¼kR Mkknuçkk• ©e rË÷eÃk¼kR yku. þkn• ©e W{uþ su. Ãkkxe÷ - þk¾k {uLkush

2, ykMkkuÃkk÷ðLkøkh MkkuMkkÞxe, hk{ðkze çkMk MxuLz ÃkkMku, RMkLkÃkwh, y{ËkðkË - 382443.

VkuLk Lkt. : 25330540, 25397500E-mail : [email protected] CODE : 380126016IFSC CODE : KCCB0ISP019

ykýtË þk¾kMÚkkÃkLkk : 26-03-1996

• ©e ÃkhMke Vhk{hkus ¼Y[k• ©e LkðLkeík¼kR {ýe¼kR Ãkxu÷• ©e {eíkuþ¼kR h{uþ¼kR Ãkxu÷• ©e fLkw¼kR [tËw¼kR Ãkxu÷• ©e rfhý¼kR RLËw¼kR Ãkxu÷• ©e n»koË¼kE yu{. Ãkxu÷ - þk¾k {uLkush

sÞ xkðh, y{w÷ zuhe hkuz, ykýtË - 388001, S. ykýtË.

VkuLk Lkt.: (02692) 240303, 242303E-mail : [email protected] CODE : 388126001IFSC CODE : KCCB0ANN022

çkkuÃk÷ þk¾kMÚkkÃkLkk : 10-06-1995

• ©e ytçkw¼kR {økLk¼kR Ãkxu÷• ©e «fkþ¼kR sÞtíke÷k÷ Ãkxu÷• ©e ¼ðMkkøkh®Mkøk çke. {wtò÷• ©e Þkuøkuþ¼kR zkÌkk¼kR ©eÄh• ©e nMk{w¾¼kE þt¼w¼kE Ãkxu÷• ©e f]ýk÷ su. Ãkxu÷ - þk¾k {uLkush

79, þeðykþe»k MkkuMkkÞxe, RLzõxkuÚk{o r÷. ÃkkMku, çkkuÃk÷ hkuz, y{ËkðkË - 380058.

VkuLk Lkt.: (02717) 234590, 231537E-mail : [email protected] CODE : 380126018IFSC CODE : KCCB0BPL018

çkkuzfËuð þk¾kMÚkkÃkLkk : 13-02-1996

• ©e ytçkw¼kR {økLk¼kR Ãkxu÷• ©e nMk{w¾¼kR økkuÃkk÷ËkMk Ãkxu÷• ©e rLkÃk{¼kR h{uþ[tÿ þkn• ©e rËÃkf¼kR økku®ðË÷k÷ þkn• ©e n»koË¼kR yh®ðË¼kR þkn• ©e LkÒkw¼kR Ãke. ÃkzMkk¤k• ©e h{ý¼kR ykh. Ãkxu÷• ©e ËþhÚk¼kR fk÷eËkMk Ãkxu÷• ©e{íke ©uÞkçkuLk rLkMkøko¼kE Ãkhe¾• ©e SøLkuþ yu{. Ãkxu÷ - þk¾k {uLkush

økkuÞ÷ xuhuMk, sSMk çktøk÷ku ÃkkMku, çkkuzfËuð, y{ËkðkË - 380054.

VkuLk Lkt.: 26859551, 26856119E-mail : [email protected] CODE : 380126017IFSC CODE : KCCB0BDK021

MðÂMíkf [kh hMíkk þk¾kMÚkkÃkLkk : 24-07-1996

• ©e {eLkuþ¼kE sþ¼kE Ãkxu÷• ©e ¼qÃkuLÿ¼kR sÞtíke÷k÷ þkn• ©e rºk÷kuf[tË fkþehk{ yøkúðk÷• ©e çkkçkw¼kR h{ý¼kR Ãkxu÷• ©e økkiík{fw{kh sÞtrík÷k÷ Ãkxu÷• ©e þi÷u»k¼kR [e{Lk÷k÷ ËuMkkR• ©e Ëuðktøk¼kR økkiík{¼kR þkn• ©e ËþoLk Ãke. þkn - þk¾k {uLkush

Mkwþe÷kçkuLk híke÷k÷ nku÷ ÃkkMku, Mke. S. hkuz, LkðhtøkÃkwhk, y{ËkðkË-380009.

VkuLk Lkt.: 26406945, 26406953E-mail : [email protected] CODE : 380126020IFSC CODE : KCCB0SCR023

zÙkRð-RLk hkuz þk¾kMÚkkÃkLkk : 11-07-1994

• ©e {eLkuþ¼kR sþ¼kR Ãkxu÷• ©e ËuðuLÿ¼kR ÃkkuÃkx÷k÷ Ãkxu÷• ©e MktsÞ¼kR [eLkw¼kR Íðuhe• ©e ÃkkuÃkx÷k÷ økehÄh÷k÷ Ãkxu÷• ©e ðkze¼kR çke. Ãkxu÷• ©e{íke {kÄðeçkuLk xe. Ãkxu÷• ©e Ä{uoþ Mke. Ãkxu÷ - þk¾k {uLkush

‘fk{ÄuLkw ¼ðLk’, xe.ðe. xkðh Mkk{u, zÙkRð-RLk-hkuz, y{ËkðkË - 380054.

VkuLk Lkt.: 26859486, 26854475E-mail : [email protected] CODE : 380126014IFSC CODE : KCCB0DRV017

ðkMkýk þk¾kMÚkkÃkLkk : 04-10-1995

• ©e ¼÷k¼kR Akuxk¼kR Ãkxu÷• ©e þi÷u»k¼kR sÞtíke÷k÷ þkn• ©e økeheþ¼kR ðkze÷k÷ þkn• ©e rn{tík¼kR fu. þkn• ©e hkurník¼kE çkwÄk÷k÷ {nuíkk• ©e síkeLk¼kE økwýðtík¼kE Ãkxu÷• ©e rðsÞ¼kE su. hksÃkwhk - þk¾k {uLkush

híLkMkkøkh ^÷ux ÃkkMku, fuMkheÞkS [kh hMíkk, Sðhks {nuíkk nkuMÃkex÷ hkuz, ðkMkýk, y{ËkðkË - 380007.

VkuLk Lkt.: 26611279, 26632894E-mail : [email protected] CODE : 380126019IFSC CODE : KCCB0VSN020

swLkk ÃkkËhk hkuz þk¾k - ðzkuËhkMÚkkÃkLkk : 27-11-1996

• ©e ÃkhMke Vhk{hkus ¼Y[k• ©e [tÿfktík¼kR W{uË¼kR Ãkxu÷• ©e {wfuþ¼kR zkÌkk¼kR Ãkxu÷ • ©e økkiík{¼kR Síkw¼kR fkuXkhe• ©e rðLkkuË¼kR zkÌkk¼kR Ãkxu÷• ©e MktËeÃk¼kR h{uþ¼kR þkn• ©e hknw÷ fu. òLke - þk¾k {uLkush

54, ÃkwLkeíkLkøkh MkkuMkkÞxe, ðuõMkeLk RLMxexâwx Mkk{u, swLkk ÃkkËhk hkuz, ðzkuËhk - 390015.

VkuLk Lkt.: (0265) 2354367, 2332894E-mail : [email protected] CODE : 390126002IFSC CODE : KCCB0VDD024

{ýeLkøkh þk¾k MÚkkÃkLkk : 05-12-1996

• ©e nMk{w¾¼kR økkuÃkk÷ËkMk Ãkxu÷• ©e hksuLÿ¼kR {kunLk÷k÷ þkn• ©e W{uþ[tÿ «Vw÷¼kR {nuíkk• ©e ysÞ¼kR h{ýef÷k÷ økktÄe• ©e sÞþe÷¼kR økeíkuþfw{kh þuX• ©e zkp. søkËeþ¼kR ykh. hkýk• ©e n»ko÷ çke. Ëðu - þk¾k {uLkush

39, hkÄkðÕ÷¼ fku÷kuLke, sðknh [kuf [kh hMíkk, {ýeLkøkh, y{ËkðkË - 380008.

VkuLk Lkt. : 25470261, 25462188E-mail : [email protected] CODE : 380126021IFSC CODE : KCCB0MNN025

62


çkkÃkwLkøkh þk¾kMÚkkÃkLkk : 16-07-2001

• ©e zkp. rËLkuþ¼kR yu{. y{eLk• ©e ðÕ÷¼¼kR økkuçkh¼kR fkfzeÞk• ©e rðLkw¼kR fh{þe¼kR òuøkkýe• ©e ÃkwÁ»kku¥k{¼kR çke. ffkýe• ©e ÃkhMkku¥k{¼kR yuLk. økuðheÞk• ©e ðÕ÷¼¼kR {kunLk¼kR hk{kýe• ©e çkxwf¼kR hkýk¼kR ~Þkýe• ©e {nuLÿ ykE. Ãkxu÷ - þk¾k {uLkush

~Þk{ þe¾h fkuBÃk÷uûk, rËLkuþ [uBçkh Mkk{u, RLzeÞk fku÷kuLke [kh hMíkk, çkkÃkwLkøkh, y{ËkðkË - 380024.

VkuLk Lkt.: 22204780, 22204790E-mail : [email protected] CODE : 380126022IFSC CODE : KCCB0BPN028

xuûkxkR÷ {kfuox þk¾k - MkwhíkMÚkkÃkLkk : 11-05-2007

• ©e ÃkhMke Vhk{hkus ¼Y[k• ©e sÞtíke¼kR ÷k¾kýe• ©e fkLkS¼kR hk½ð¼kR ¼÷k÷k• ©e {Lkw¼kR nhËkMk¼kR XwB{h• ©e ðÕ÷¼¼kR yuMk. XwB{h• ©e ¼kðuþ çke. Ëðu - þk¾k {uLkush

38/39, ysLxk þkuÃkªøk MkuLxh, rfLLkhe rMkLku{k ÃkkMku, hªøk hkuz, Mkwhík - 395002.

VkuLk Lkt.: (0261) 2343442, 2369271E-mail : [email protected] CODE : 395126002IFSC CODE : KCCB0TXM032

¾t¼kík þk¾kMÚkkÃkLkk : 31-05-1997

• ©e nMk{w¾¼kE økkuÃkk÷ËkMk Ãkxu÷• ©e Síkw¼kR nhøkku®ðËËkMk þkn• ©e ½Lk~Þk{®Mkn yu{. [kðzk• ©e ¼kR÷k÷¼kR {økLk¼kR Ãkxu÷• ©e h{uþ¼kE nh{kLk¼kE Ãkxu÷• ©e íkusMk yu[. þkn - þk¾k {uLkush

LkeòLktË, zkp. fuBÃkMk ÃkkMku,¾t¼kík - 388620, S. ykýtË.

VkuLk Lkt.: (02698) 223644, 223010E-mail : [email protected] CODE : 388126091IFSC CODE : KCCB0KMB027

MxuzeÞ{ hkuz þk¾kMÚkkÃkLkk : 03-03-2006

• ©e MLkun÷¼kR h{uþ[tÿ Ãkhe¾• ©e ytçkk÷k÷ LkkhýËkMk {kuËe• ©e rfíkeo¼kR sÞtrík÷k÷ Ãkxu÷• ©e fuíkLk¼kE hMkef¼kE þkn• ©e rn{ktþw yu. þkn - þk¾k {uLkush

hkpÞ÷ nkWMk, 16-çke, {nkËuð Lkøkh MkkuMkkÞxe, MxuzeÞ{ hkuz, LkðhtøkÃkwhk, y{ËkðkË-380014.

VkuLk Lkt.: 26463198, 26430741E-mail : [email protected] CODE : 380126028IFSC CODE : KCCB0SDR031

rLkh{k ÞwrLkðMkeoxe þk¾kMÚkkÃkLkk : 02-12-1996

• ©e ¾kuzk¼kR fkr÷ËkMk Ãkxu÷• ©e{íke ÃkqðeoçkuLk yu. Ãkku¾rhÞk÷• ©e Äúwð¼kR Ãke. AkÞk• ©e çkkçkw¼kR su. Ãkxu÷• ©e S. hk{[tÿLk LkkÞh• ©e ykþe»k¼kR fu. ËuMkkR• ©e hksuþ¼kR Lkkhý¼kR Ãkxu÷• ©e ykLktË¼kR Mkku{k¼kR Ãkxu÷• ©e{íke Ãk÷fçkuLk yþkuf¼kR þkn• ©e økwýðtík¼kE su. Ãkxu÷ - þk¾k {uLkush

rLkh{k ÞwrLkðMkeoxe fuBÃkMk, yuMk.S. nkRðu, y{ËkðkË - 382481.

VkuLk Lkt.: (02717) 241911-12-13, 30642152E-mail : [email protected] CODE : 380126029IFSC CODE : KCCB0NRM097

fk÷çkkËuðe-{wtçkR þk¾kMÚkkÃkLkk : 19-05-1997

• ©e ÃkhMke Vhk{hkus ¼Y[k• ©e MkwhuLÿ¼kR íkw÷MkeËkMk MkðkR• ©e yþkuf¼kR ykh. ½eÞk• ©e MkwhuLÿ¼kR yu{. {hzeÞk• ©e Þkuøkuþ¼kR fk¤eËkMk þkn• ©e ykþe»k¼kR [tÿfktík¼kR {nuíkk• ©e hksuLÿ¼kR çkkçkw÷k÷ {kuËe • ©e W{uþ¼kE h{ý÷÷k÷ þkn• ©e ykrþ»k yuLk. {nuíkk - þk¾k {uLkushçke/3 Úke 7, {tøk÷ËkMk rçkÕzªøk Lkt.1, þk{÷ËkMk økktÄe {køko, {wtçkR-400002.

VkuLk Lkt. : (022) 22074013-14, 22070419E-mail : [email protected] CODE : 400126002IFSC CODE : KCCB0KLB026

{kÄwÃkwhk þk¾kMÚkkÃkLkk : 04-10-2005

• ©e LkðLkeík¼kR [e{Lk÷k÷ Ãkxu÷• ©e hksuLÿ¼kR çkkçkw÷k÷ {kuËe• ©e sLkeþ¼kR søkËeþ[tÿ Ãkxu÷• ©e rðrLkík¼kR ËÞk¤S¼kR Ãkxu÷• ©e {tsÞ¼kR yu{. økktÄe• ©e rËLkuþ¼kR çke. Ãkxu÷• ©e økkuÃkk÷¼kR yu÷. hkXe• ©e [tËLk®Mkn su. hkXkuz - þk¾k {uLkush

rLk÷økøkLk Ã÷kÍk, Ãkku÷eMk fr{&™h ykurVMk Mkk{u, þkneçkkøk hkuz, y{ËkðkË - 380004.

VkuLk Lkt.: 25630464, 25626699E-mail : [email protected] CODE : 380126027IFSC CODE : KCCB0MDR030

ykLktËLkøkh þk¾kMÚkkÃkLkk : 26-09-2007

• ©e ¼÷k¼kE Akuxk¼kE Ãkxu÷• ©e LkhuLÿ¼kR Lkh®Mkn÷k÷ þkn• ©e ¼hík¼kR ykh. {kuËe• ©e ¼qÃkuLÿ¼kR Mke. {kunkuhkuðk÷k• ©e «n÷kË¼kE þeðhk{¼kE Ãkxu÷• ©e ÃkrÚkf¼kE SíkuLÿ¼ykE Ãkxu÷• ©e{íke hkrÄfkçkuLk sÞuLÿ¼kE Ãktrzík• ©e rfíkoLk su. Ãkhe¾ - þk¾k {uLkush

106, rþðk÷ef ykfuoz, «n÷kËLkøkh økkzoLk Mkk{u, ykLktËLkøkh hkuz, y{ËkðkË - 380015.

Vku Lkt.: 26931172, 26931176E-mail : [email protected] CODE : 380126026IFSC CODE : KCCB0AND033

MkkÞLMk Mkexe hkuz þk¾kMÚkkÃkLkk : 10-03-2008

• ©e rfhex¼kR hk{¼kR Ãkxu÷ • ©e zkp. «¼wËkMk RïhËkMk Ãkxu÷• ©e sÞtíke÷k÷ fuþð÷k÷ Ãkxu÷• ©e çkkçkw¼kR LkkÚkk¼kR Ãkxu÷• ©e ËþhÚk¼kR ykþk¼kR Ãkxu÷• ©e çkeÃkeLk¼kR ÃkwÁ»kku¥k{ËkMk Ãkxu÷• ©e rðsÞ Mke. ¾ºke - þk¾k {uLkush

9, {kiÞo xkRBMk Mfðuh, ykh. fu. hkuÞ÷ nku÷ Mkk{u, MkkÞLMk Mkexe hkuz, Mkku÷k, y{ËkðkË - 380060.

VkuLk Lkt.: 29299940, 29299941E-mail : [email protected] CODE : 380126030IFSC CODE : KCCB0SCT034

63


økktÄeLkøkh þk¾kMÚkkÃkLkk : 17-08-2009

• ©e nMk{w¾¼kR økkuÃkk÷ËkMk Ãkxu÷• ©e ðÕ÷¼¼kR yu{. Ãkxu÷• ©e zkp. fLkw¼kR ze. Ãkxu÷• ©e rË÷eÃk¼kR xe. fkÃkzeÞk• ©e hknw÷¼kR {Lkw¼kR {nuíkk• ©e rníkuLÿ¼kR ðe. Ãkxu÷ - þk¾k {uLkush

Vk{oMke fku÷us fuBÃkMk, fze Mkðo rðãk÷Þ fuBÃkMk, økux Lkt. 1, ½-6 Mkfo÷ ÃkkMku, Mkuõxh - 23, økktÄeLkøkh - 382023.

VkuLk Lkt.: 23241962E-mail : [email protected] CODE : 380126032IFSC CODE : KCCB0GNR038

ÃkktzuMkhk þk¾k - MkwhíkMÚkkÃkLkk : 15-12-2013

• ©e sir{Lk yu. Ãkxu÷ - þk¾k {uLkush

124/125, f{oÞkuøke MkkuMkkÞxe rð¼køk-1, ÃkeÞw»k ÃkkuRLx ÃkkMku, 120 Vwx çk{hku÷e hkuz, ÃkktzuMkhk, Mkwhík - 394210

VkuLk Lkt. : (0261) 2893245E-mail : [email protected] CODE : 395126005IFSC CODE : KCCB0PSR041

ykLktË {n÷ hkuz þk¾k - MkwhíkMÚkkÃkLkk : 18-03-2015

• ©e Äúwrðík yu{. Ãkxu÷ - þk¾k {uLkush

{kÄð fkuBÃk÷uûk, LÞw hýAkuzLkøkh, «kR{ ykfuozLke Mkk{u, ykLktË {n÷ hkuz, yzksý, Mkwhík - 395009.

VkuLk Lkt.: (0261) 2790600 E-mail : [email protected] CODE : 395126008IFSC CODE : KCCB0NPR044

WÄLkk-{økËÕ÷k hkuz þk¾k - Mkwhík

MÚkkÃkLkk : 11-07-2009

• ©e ÃkhMke Vhk{hkus ¼Y[k• ©e h{uþ¼kR çkkÃkw¼kR ËuMkkR• ©e nrh¼kR yuMk. økkUz÷eÞk• ©e hsLkefktík yuMk. çk[fkLkeðk÷k• ©e ËþhÚk¼kE ðe. Ãkxu÷ - þk¾k {uLkush

14-18, MkqÞko Ã÷kÍk, ¼xkh [kh hMíkk ÃkkMku, WÄLkk-{økËÕ÷k hkuz, Mkwhík - 395007.

VkuLk Lkt.: (0261) 2234111E-mail : [email protected] CODE : 395126003IFSC CODE : KCCB0UDN037

WÄLkk WãkuøkLkh þk¾k - Mkwhík MÚkkÃkLkk : 15-12-2013

• ©e nhuþ yuLk. Ãkxu÷ - þk¾k {uLkush

WÄLkk yufuzu{e Mfw÷ Mkk{u, MkuLxÙ÷ hkuz Lkt.14, WÄLkk WãkuøkLkøkh, Mkwhík - 394210.

VkuLk Lkt.: (0261) 2758492, 2758497,E-mail : [email protected] CODE : 395126004IFSC CODE : KCCB0UDN040

ðhkAk hkuz þk¾k - MkwhíkMÚkkÃkLkk : 23-10-2015

• ©e r«ÞuLk ze. þkn - þk¾k {uLkush

økkiík{ ykfuoz, 1, þtfhLkøkh MkkuMkkÞxe, fÃkkuËhk çkúes ÃkkMku, ðhkAk hkuz, Mkwhík - 395006.

VkuLk Lkt.: (0261) 2541970E-mail : [email protected] CODE : 395126007IFSC CODE : KCCB0BGL043

hªøkhkuz þk¾k - MkwhíkMÚkkÃkLkk : 15-12-2013

• ©e ¼hík çke. Ãkxu÷ - þk¾k {uLkush

Ãkhe©{ fkuBÃk÷uûk, Ãkhkøk nkWMk Mkk{u,hªøk hkuz, Mkwhík - 395003.

VkuLk Lkt.: (0261) 2310546E-mail : [email protected] CODE : 395126006IFSC CODE : KCCB0RRD042

{kts÷Ãkwh þk¾k - ðzkuËhkMÚkkÃkLkk : 14-03-2009

• ©e ÃkhMke Vhk{hkus ¼Y[k• ©e Xkfkuh¼kR nrh¼kR Ãkxu÷• ©e rðÃkw÷ Mke. Ãkxu÷ - þk¾k {uLkush

rðLkkÞf fkuBÃk÷uûk, MkhMðíke [kh hMíkk ÃkkMku, {kts÷Ãkwh hkuz, ðzkuËhk - 390011.

VkuLk Lkt. (0265) 2661751E-mail : [email protected] CODE : 390126003IFSC CODE : KCCB0MJL036

fXðkzk þk¾k MÚkkÃkLkk : 14-12-2009

• ©e ytçkh¼kR sÞtíke÷k÷ Ãkxu÷ • ©e ÃkwÁ»kkuu¥k{¼kR ¼e¾k¼kR ffkýe• ©e hýAkuz¼kR ykh. Ãkxu÷• ©e çkkçkw¼kR yu. ðkuhk• ©e nMk{w¾¼kR Mkku{k¼kR Ãkxu÷• ©e rð»ýw¼kR Lkkhý¼kR Ãkxu÷• ©e yYý¼kR fhMkLkËkMk Ãkxu÷• ©e nu{tík ykh. Ãkxu÷ - þk¾k {uLkush

økúkWLz ^÷kuh, rËÔÞ {tøk÷ ykfuoz, fXðkzk S.ykR.ze.Mke. Ã÷kux Lkt. 545, fXðkzk, y{ËkðkË - 382430.

VkuLk Lkt.: 22901255E-mail : [email protected] CODE : 380126033IFSC CODE : KCCB0KTW039

64


½kx÷kuzeÞk þk¾kMÚkkÃkLkk : 28-6-2015

• ©e fkiþ÷ su. {nuíkk - þk¾k {uLkush

©efwts þkuÃkªøk MkuLxh, ðeh zuhe ÃkkMku, «¼kík [kuf, ½kx÷kurzÞk, y{ËkðkË - 380061.

VkuLk Lkt.: 27481547, 27472753E-mail : [email protected] CODE : 380126034IFSC CODE : KCCB0GHA046

Lkhkuzk þk¾kMÚkkÃkLkk : 06-11-2015

• ©e ytçkh¼kE sÞtíke÷k÷ Ãkxu÷• ©e WËÞfw{kh Açke÷ËkMk Ãkxu÷• ©e n»koË¼kR y{]ík÷k÷ Ãkxu÷• ©e «þktík¼kE rºk÷kuf¼kE yøkúðk÷• ©e fkŠíkf Ãke. Ãkxu÷ - þk¾k {uLkush 7-8-9, ykMÚkk yuðLÞw, çkeyuMkyuLkyu÷ xu÷eVkuLk yuõMk[Us ÃkkMku, S.ykR.ze.Mke., Lkhkuzk, y{ËkðkË - 382330.

VkuLk Lkt.: 22812120E-mail : [email protected] MICR CODE : 380126038 IFSC CODE : KCCB0NAR050

Ãkkuh þk¾k (S. ðzkuËhk)MÚkkÃkLkk : 14-3-2016

• ©e ÃkeLkkfeLk ze. Ãkxu÷ - þk¾k {uLkush

Mðk{eLkhkÞý fkuBÃk÷uûk, 83, ytrçkfkLkøkh MkkuMkkÞxe, Ãkkuh - fkÞkðhkuný hkuz, Ãkkuh - 391243, S. ðzkuËhk.

VkuLk : (0265) 2830321E-mail : [email protected] CODE : 390126004IFSC CODE : KCCB0POR53

ytf÷uïh þk¾kMÚkkÃkLkk : 04-10-2014

• ©e ÃkhMke Vhk{hkus ¼Y[k• ©e nu{tík¼kE [tÃkf÷k÷ þkn• ©e h{uþfw{kh ¼økðkLkËkMk Ãkxu÷• ©e LkðLkeík¼kE ¼kE÷k÷¼kE Ãkxu÷• ©e hksuþ çke. Ãkxu÷ - þk¾k {uLkush

hrð fkuBÃk÷uûk, ðkr÷Þk [kh hMíkk, S.ykR.ze.Mke., ytf÷uïh - 393002.

VkuLk Lkt.: (02646) 251760, 224032E-mail : [email protected] MICR CODE : 393126051IFSC CODE : KCCB0AKL045

SME & MID CORPORATE BRANCH

MÚkkÃkLkk : 17-8-2015

• ©e Ãkhuþ su. Ëðu - þk¾k {uLkush

yuLkuûke rçkÕzªøk, fk÷wÃkwh çkUf ¼ðLk, RLf{xuûk Mkfo÷ ÃkkMku, yk©{hkuz, y{ËkðkË - 380014.

VkuLk Lkt.: 27582020 Úke 27582026E-mail : [email protected] MICR CODE : 380126037 IFSC CODE : KCCB0SME049

ytÄuhe (RMx) þk¾k - {wtçkR MÚkkÃkLkk : 9-2-2016

• ©e MkwLke÷ yuLk. òu»ke - þk¾k {uLkush

4, økúkWLz ^÷kuh, xkRBMk Mõðuh rçkÕzªøk - yu ®ðøk, r{¥k÷ RLzMxÙeÞ÷ yuMxuxLke Mkk{u, ytÄuhe fw÷ko hkuz, {hku÷, ytÄuhe (RMx), {wtçkR - 400059.

VkuLk : (022) 28510015, 28510016E-mail : [email protected] CODE : 400126003 IFSC CODE : KCCB0AND052

òuÄÃkwh þk¾kMÚkkÃkLkk : 6-2-2016

• ©e fkirþf¼kE LkËwt¼kE Ãkxu÷• ©e Ãkhkþh¼kE LkðLkeík¼kE Ãkxu÷• ©e «ýð¼kE MkwhuLÿ¼kE Ãkxu÷• ©e MkwrLk÷ yku. hksÃkwík - þk¾k {uLkush

1, økúkWLz ^÷kuh, Mk[uík - 4 rçkÕzªøk, «uhýkíkeÚko ËuhkMkh hkuz, òuÄÃkwh, Mkuxu÷kRx, y{ËkðkË - 380015.

VkuLk Lkt.: 26922291E-mail : [email protected] CODE : 380126039 IFSC CODE : KCCB0JOD051

Lkðk rLkfku÷ hkuz þk¾kMÚkkÃkLkk : 18-06-2014

• ©e ytçkh¼kR sÞtíke÷k÷ Ãkxu÷• ©e hksuLÿ¼kR çkkçkw÷k÷ {kuËe• ©e ÃkwÁ»kku¥k{¼kR çke. ffkýe• ©e ËuðS¼kR {kunLk¼kR Ãkxu÷• ©e rníku»k su. ËuMkkR - þk¾k {uLkush

1, þktríkrLkfuíkLk rçkÍLkuMk MkuLxh, øktøkkuºke çktø÷kuÍLke Mkk{u, ð]tËkðLk Ãkkxeo Ã÷kux hkuz, rLkfku÷, y{ËkðkË - 382350.

VkuLk Lkt.: 8238087500E-mail : [email protected] CODE : 380126031IFSC CODE : KCCB0JBR035

{uBfku ¢kuMk hkuz þk¾k MÚkkÃkLkk : 14-9-2015

• ©e rLkfwts yu. X¬h - þk¾k {uLkush

29, 30, þkÞkuLkk MkuLxh, ç÷kuf - yu, {uBfku ¢kuMk hkuz, Lkhkuzk hkuz, y{ËkðkË - 380025.

VkuLk Lkt.: 22203511E-mail : [email protected] CODE : 380126036 IFSC CODE : KCCB0CGR048

65


Aºkk÷ þk¾kMÚkkÃkLkk : 10-2-2017

• ©e rfhex¼kE hk{¼kE Ãkxu÷• ©e ËuðuLÿ¼kE ÃkkuÃkx÷k÷ Ãkxu÷• ©e MkkiheLk¼kE søkËeþ¼kE Ãkxu÷• ©e Mkwhuþ¼kE LkkÚkk÷k÷ Ãkxu÷• ©e «Vw÷¼kE hMkef÷k÷ ík÷MkkýeÞk• ©e EhuLk¼kE Ãke. Ãkxu÷ - þk¾k {uLkush

Ã÷kux Lkt. 5/yu[/416, Aºkk÷ ELzMxÙeÞ÷ yuMxux, yu[.ze.yuV.Mke. çkUfLke Mkk{u, Aºkk÷ - 382729íkk. f÷ku÷, S. økktÄeLkøkh

VkuLk Lkt.: (02764) 233600E-mail : [email protected] CODE : 380126041IFSC CODE : KCCB0CHH056

MkkWÚk çkkuÃk÷ þk¾kMÚkkÃkLkk : 05-12-2016

• ©e ËuðuLÿ Ãke. Ãkxu÷ - þk¾k {uLkush

20/21, ykuŠ[z MkuLxh, MkV÷ ÃkheMkh - 1 Lke Mkk{u, Mkkuçkku MkuLxh ÃkkMku, MkkWÚk çkkuÃk÷, y{ËkðkË - 380058.

VkuLk Lkt.: (079) 29795199E-mail : [email protected] MICR CODE : 380126040IFSC CODE : KCCB0SBP055

ðk½kuzeÞk hkuz þk¾kMÚkkÃkLkk : 20-06-2016

• ©e rËÃkuLk fu. Þk¿kef - þk¾k {uLkush

1/2, økehehks çkkøk MkkuMkkÞxe, «¼kík çkMk MxuLz Mkk{u, ðk½kurzÞk hkuz, ðzkuËhk - 390019.

VkuLk Lkt.: (0265) 2522900E-mail : [email protected] CODE : 390126005IFSC CODE : KCCB0WRB054

hksfkux þk¾kMÚkkÃkLkk : 1-3-2017

• rLkh÷ çke. Ãkxu÷ - þk¾k {uLkush

4-5-6, økýuþ xÙuz MkuLxh, Ã÷kux Lkt. 105, fufuðe nku÷ yLku ELËehk Mkfo÷ ðå[u, 150 Vex hªøk hkuz, hksfkux - 360005.

VkuLk Lkt.: (0281) 2578003E-mail : [email protected] CODE : 360126002IFSC CODE : KCCB0RJT057

66

INCOME DISTRIBUTION 2017-18

Total Income Rs. 690.21 Crores

(Rs. in Crore)

Interest on Deposits & Borrowings 396.10

Establishment Exp. 49.59

Other Administrative Exp. 52.57

Provisions 81.71

Net Profit 110.24

Total 690.21

LÞw yuMk. S. hkuz þk¾kMÚkkÃkLkk : 29-8-2017

• ©e Mktíkku»k su. Ãkxu÷ - þk¾k {uLkush

1-2-3, ðtËu {kíkh{T ¢kuMk rðLz, ðtËu {kíkh{T Mkfo÷ ÃkkMku, LÞw. yuMk.S. hkuz, økkuíkk, y{ËkðkË - 382481.

VkuLk Lkt.: 9712956280E-mail : [email protected] CODE : 380126042IFSC CODE : KCCB0SGR058

7.18%

7.62%

57.39%

11.84%

15.97%


Kalupur 1970 17955.98 18452.62 5242.89 5865.57 212.95 254.88Khokhra 1976 9748.76 9281.36 2551.30 2511.50 140.13 172.33Bavla 1977 12114.59 12610.37 7422.20 9033.38 242.56 330.78Bareja 1978 9453.41 9699.14 13152.85 16067.30 372.85 503.12Sanand 1980 15649.48 15464.31 12129.82 13622.43 424.85 612.91Usmanpura 1980 15341.02 14897.90 3226.65 3423.32 152.20 163.54S.M.Road 1981 67170.10 66187.69 8980.86 6699.55 483.89 539.16St. Xavier's 1983 19031.24 19388.27 2793.85 3586.69 209.59 285.49Vatwa 1983 17971.07 16619.17 6213.13 6464.83 281.21 315.23Ashramroad 1986 62206.85 67556.98 14198.38 11609.30 114.41 672.16Patrakar 1986 19809.45 19644.19 1862.35 2508.05 147.32 181.28Sola Road 1987 33248.45 33001.79 3092.99 2960.62 293.55 336.27Panchvati 1989 24802.18 26154.19 7815.17 8289.20 417.50 460.68Vastrapur 1994 14256.46 13381.60 3764.61 4246.86 226.66 295.59Nava Vadaj 1994 20948.68 21901.82 2606.01 2853.15 205.80 290.00Drive-in Road 1994 14106.17 14041.62 4865.98 4951.32 202.69 239.82Bopal 1995 10925.81 11563.30 2694.15 3074.46 220.30 263.86Isanpur 1995 13680.49 13894.63 2105.07 2394.52 128.38 150.58Vasna 1995 20456.47 18230.06 3812.15 3133.91 102.75 186.07Bodakdev 1996 11680.74 13165.78 2404.66 2823.33 179.19 219.11Anand 1996 10917.83 11120.60 5419.36 4864.08 192.52 192.03Swastik 1996 9685.38 10207.85 2769.09 3163.21 161.33 156.75Vadodara 1996 10825.84 11483.36 9947.33 12217.05 354.73 382.59Maninagar 1996 17568.92 18413.44 3472.87 3521.96 196.59 218.71Kalbadevi(Mumbai) 1997 3859.58 3093.25 79720.60 7182.24 1321.82 788.26Khambhat 1997 7036.60 7683.87 4267.89 5364.48 115.06 159.35Bapunagar 2001 9656.85 9231.15 3906.11 4286.34 315.90 321.07Madhavpura 2005 8502.86 8379.14 5061.28 4728.34 221.56 206.94Stadium road 2006 6901.01 7452.90 3760.36 3025.16 68.02 32.58Surat(Textile Market) 2007 4012.14 3173.54 15866.88 15498.37 623.61 561.92Nirma Univesity 2007 4934.64 5447.15 341.82 643.94 62.57 82.05Anandnagar 2007 34424.14 40277.25 8968.83 3917.22 222.49 367.52Science City 2008 12833.55 12859.92 2788.13 3046.80 251.14 239.37Manjalpur 2009 4340.74 4462.30 2996.69 2735.36 151.79 129.17Udhana-Magdalla 2009 1421.80 1701.64 5551.18 5028.88 207.49 230.00Gandhinagar 2009 10774.54 11711.19 1981.64 3821.12 92.01 165.67Kathwada 2009 5359.88 5184.89 4899.27 5784.44 139.51 366.80Udhana-Udhyognagar 2013 2881.30 3075.86 7035.99 8872.84 143.39 208.08Pandesara 2013 2455.09 2938.97 3079.88 4249.93 134.59 173.34Ring Road 2013 999.97 907.00 4193.86 4532.33 147.72 154.14Varachha 2013 1264.85 1593.46 3310.18 4071.84 81.97 121.72Anand Mahal 2013 3156.79 3169.93 1857.66 2455.20 87.61 31.94Nava Nikol 2014 3075.77 4436.44 2822.46 4142.73 98.90 197.00Ankleshwar 2014 6832.49 7404.13 5087.24 6685.89 201.71 286.58Ghatlodiya 2015 1624.57 3200.07 136.88 812.38 -35.69 -15.10Memco 2015 1123.62 1169.54 695.22 1119.15 -15.75 13.61SME and MID CORP 2015 475.90 1065.32 72489.90 100567.10 2886.65 3336.43Naroda 2015 1156.78 2229.15 1137.23 1891.02 -16.39 34.01Jodhpur 2016 2583.85 4342.81 232.33 673.82 -28.31 -0.82Andhari(East) 2016 168.81 198.89 15289.44 3488.80 280.78 92.36Por 2016 172.08 238.99 514.30 1560.10 -33.29 2.46Waghodia road- vadodra 2016 1368.07 1612.54 650.01 708.01 -38.93 -8.77South bopal 2016 1008.05 2054.33 166.26 746.84 -26.31 -4.87Chhatral 2017 137.46 298.78 13.61 942.86 -13.42 -19.72Rajkot 2017 78.58 574.75 69.55 642.79 -12.98 -32.60New S.G Road 2017 0.00 1706.18 0.00 342.02 0.00 -55.82Head Office 1986 803.92 352.87 30682.28 36885.49 1428.16 3607.91TOTAL 624981.65 649590.24 422118.68 390339.42 14727.33 19195.52

BRANCHES EST. DEPOSITS ADVANCES GROSS PROFITYEAR 31.03.2017 31.03.2018 31.03.2017 31.03.2018 2016-17 2017-18

ANALYSIS OF BRANCHES(Rs. in Lacs)

67


YEAR BRANCHES MEMBERS SHARE RESERVES & DEPOSITS ADVANCES WORKING PROFIT DIVIDENDCAPITAL PROVISIONS CAPITAL

(30 JUNE)

1970-71 - 280 3.63 0.01 27.66 13 93 31.72 0.09 4%

1971-72 - 319 5.82 0.04 59.03 37.32 66.62 1.08 6%

1972-73 - 371 7.97 0.88 89.63 83.98 114.38 1.80 9%

1973-74 - 581 12.24 2.70 160.32 109.75 185 36 3.16 9%

1974-75 - 891 20.26 7.13 191.42 176.28 248.09 7.40 9%

1975-76 1 1225 24.31 14.44 269.66 203.78 324.72 10.10 9%

1976-77 2 2120 29.06 24.39 323.29 286.92 412.33 13.14 9%

1977-78 3 3016 39.73 40.88 425.29 398.49 558.36 15.07 12%

1978-79 3 3702 49.73 59.57 542.50 566.85 798.66 19.21 12%

1979-80 5 4493 62.34 73.30 807.09 830.99 1255.14 24.11 12%

1980-81 5 4943 70.50 107.06 1103.88 1016 13 1697 60 43.49 12%

1981-82 6 5520 96.45 153.98 1454.60 1607 96 2402.06 63.72 12%

1982-83 7 6280 109.33 220.53 2115.63 1931.36 3022.40 76.75 12%

1983-84 8 7413 136 54 287.66 2936.16 3062.67 4300.56 86.26 12%

1984-85 8 8279 158.76 403.50 3798.73 4106.98 5671.24 94.53 12%

1985-86 8 8662 176.19 514.92 4426.50 3671.99 6193.37 99.64 12%

1986-87 12 9006 204.76 654.95 5266.04 5000.81 7468.31 117.40 12%

1987-88 12 9374 231.64 860.91 6115.03 6095.87 9161.50 127.40 12%

1988-89 13 9880 261.22 1182.17 7333.30 7073.71 10403.31 140.44 12%

1989-90 13 10950 281.98 1588.92 10145.83 8089.13 13618.40 145.28 12%

1990-91 13 11909 299.13 2274.80 11065.59 8113.21 15815.23 153.08 12%ST(31 MARCH)

1991-92 14 13276 315.35 3132.30 11703.85 10016.60 17281.93 148.27 12%

1992-93 14 16110 341.47 3994.57 14509.07 10992.14 20798.64 159.83 12%

1993-94 14 19540 431.68 5304.04 30318.54 17112.49 38478.83 360.41 12%

1994-95 17 20931 572.48 7221.34 33184.86 23751.87 44366.78 650.92 15%

1995-96 22 21214 731.13 9507.15 36905.84 34832.18 52601.55 918.51 15%

1996-97 25 21377 880.57 12018.27 41897.92 30262.70 58840.32 1119.16 15%

1997-98 27 21533 874.07 14846.81 63020.58 37049.46 87109.56 1565.95 18%

1998-99 27 22827 891 01 17233.23 106049.34 61604.91 142774.14 1649.78 19%

1999-00 27 23900 913.61 23598.64 129820.45 64193.24 176401.26 2042.48 20%

2000-01 27 24647 901.40 27684.63 113731.50 82064.92 176845.54 2259.86 15%

2001-02 28 24666 983.29 34818.06 76327.33 52744.45 126885.30 2309.31 15%

2002-03 28 25668 1141.47 41655.23 73119.69 45765.05 125457.22 2369.00 12%

2003-04 28 27023 1240.87 48028.24 87039.56 47922.16 144500.67 1801.90 12%

2004-05 28 27848 1385.99 49832.61 93842.99 56660.84 151525.18 1827.26 12%

2005-06 31 28388 1526.82 53336.17 108344.66 57975.71 170242.07 1857.33 12%

2006-07 33 31202 1994.12 51851.06 105369.08 60490.69 177369.51 2228.75 12%

2007-08 33 36565 2585.10 53298.32 135242.11 73565.29 199382.56 2550.10 12%

2008-09 35 37554 3011.60 56378.87 161109.68 90448.34 229240.48 2717.46 12%

2009-10 38 38392 3750.60 59096.65 199208.68 114657.75 272114.11 2810.33 12%

2010-11 38 40161 4862.75 61718.36 223729.11 135691.10 307940.73 3450.29 12%

2011-12 38 42862 6025.31 66296.37 269699.32 188420.93 359384.36 4059.27 15%

2012-13 38 43686 6667.24 70594.18 327495.02 227075.92 421465.39 4884.54 15%

2013-14 43 44314 7362.05 78715.70 413393.93 271300.96 524290.16 6633.14 15%

2014-15 44 46665 8518.14 85661.20 475571.16 272874.89 599131.78 7535.07 12%

2015-16 52 50986 8625.19 93087.13 519686.39 333446.95 649051.99 8411.32 12%

2016-17 55 53817 8735.10 101734.45 624981.65 422118.68 770566.02 8582.45 12%2017-18 56 51172 8805.36 112141.41 649590.24 390339.42 810213.25 11024.27 15%*

* Proposed

PROGRESS... At a Glance(Rs. in Lacs)

68


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