valsad bank report 2019 for pdf - valsad district central
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� � � � � � � �±ëÕHëí�ÚõîÀ� ËõÀÞùáù°Þë� ZëõhëÜë_�±LÝ�ÚõîÀù�çë×õ� ÀØÜ×í�ÀØÜ�Üíáëäí�Çëáäë�Üë_Íí�Èõ� IÝëßõ�±ëÕHëõ� IÝë_CBS (Àùß�ÚõîÀÙÃ)�ÕHë�ÀëÝýßÖ�Àßõá�Èõ.�ÖصÕßë_Ö�Þäí�çõäë±ù�Éõäí�Àõ�RTGS / NEFT / SMS Alerts�/ CTS@áíÝßÙÃ�Éõäí�çðìäÔë±ù�ÕHë�µÕáOÔ�×´�ô�Èõ�ÖõÜÉ�Rupay ATM Cum Debit Card�Þí�çõäë�Çëáð�ÀßäëÜë_�±ëäõá�Èõ.� ÉõÞë� ×Àí�±ëÕ�±LÝ�ÚõõîÀÞë�ATM� Üë_�±ëÕHëí� ÚõîÀÞù� ÀëÍó� Þë_Âí� µÕÝùÃ� Àßí� åÀåù.� ÜùÚë´á�ÚõîÀÙÃ�çõäë±ùÞð_�çÎâÖëÕñäýÀ�ÕßíZëHë�Àßõá�Èõ�±Þõ�Öë.�1-4-2019×í�ÃþëèÀùÞõ�ÜùÚë´á�ÚõîÀÙÃ�çõäë�±ëÕäëÞð_�åw�Àßõá�Èõ.
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9
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çÞõ�2018-2019 äëìæýÀ�±èõäëá�±Þõ�ìèçëÚ
TO,THE MEMBERS OF,THE VALSAD DISTRICT CENTRAL CO.OP. BANK LIMITED
REPORT ON THE FINANCIAL STATEMENTS.
INDEPENDENT AUDITOR'S REPORT
We have audited the accompanying financial statements of THE VALSAD DISTRICT CENTRAL CO-OP.
BANK LIMITED (“the Bank”), which comprise the Balance Sheet as at March 31, 2019 and the Statement
of Profit and Loss and Cash Flow Statement for the year ended on that date and a summary of significant
accounting policies and other explanatory information.
MANAGEMENT'S RESPONSIBILITY FOR THE FINANCIAL STATEMENTS
The Bank's Board & Management of the bank is responsible for the preparation & presentation of these
financial statements that give true and fair view of the financial position, financial performance and cash
flow of the bank in accordance with the accounting principles generally accepted in India, including
circulars, notification, guidelines & directions issued from time to time by Reserve Bank of India &
NABARD as well as provisions of section 29 of the Banking Regulation Act, 1949, Gujarat Co-operative
Society Act, 1961, applicable Accounting Standards issued by the ICAI and Bye-laws of the bank.
This responsibility also includes the maintenance of adequate accounting records for safeguarding of the
assets of the Bank and for preventing and detecting the frauds and other irregularities; selection and
application of appropriate accounting policies; making judgments and estimates that are reasonable and
prudent; and design, implementation and maintenance of internal financial control, that were operating
effectively for ensuring the accuracy and completeness of the accounting records, relevant to the
preparation and presentation of the financial statements that give a true and fair view and are free from
material misstatement, whether due to fraud or error.
AUDITOR'S RESPONSIBILITY
Our responsibility is to express an opinion on these financial statements based on our audit. We
conducted our audit on test basis, by examining evidence supporting the amounts, disclosures in financial
statements and 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 misstatement.
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 risk of material misstatement of the financial statements, whether due to fraud or error.
In making those risk assessments, the auditor considers internal financial control relevant to the Bank's
preparation of the financial statements that give true and fair view in order to design audit procedures that
are appropriate in the circumstances but not for the purpose of expressing an opinion on whether the Bank
has in place an adequate internal financial controls system over financial reporting and the operating
effectiveness of such controls.
An audit also includes evaluating the appropriateness of accounting policies used and the
reasonableness of the accounting estimates made by the management & Directors of the Bank, as well as
evaluating the overall presentation of the financial statements.
We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our
audit opinion.
10
äáçëÍ�ìÍVËÿí@Ë�çõLËÿá�Àù-±ùÕßõËíä�ÚõîÀ�ìá.
çÞõ�2018-2019äëìæýÀ�±èõäëá�±Þõ�ìèçëÚ
Place : Surat.Date : 21 May 2019
For and on behalf of SONI JHAWAR & Co.CHARTERED ACCOUNTANTSFirm Regn. No. : 110386W
HARISH DAGA - PARTNERMembership No. 409620
OPINION
Attention is drawn to the following :
The bank has not complied with the following Accounting Standard issued by ICAI and to that extent the
reserves are stated higher:
- AS–22 “Accounting for Taxes on Income” by not providing Deferred Tax Liability in the books of
account. However, in absence of availability of required data for calculation of the same with the Bank, we
are not able to quantify the amount.
Except for above, in our opinion and to the best of our information and according to the explanations, given
to us, the financial statements, read together with Significant Accounting Polices, Notes on accounts and
our remarks stated in Audit Memo Report of the Bank, give the information required by the provisions of
section 29 of the Banking Regulation Act, 1949, Gujarat Co-operative Society Act, 1961 & bye laws of the
Bank as well as the circulars, notification, guidelines & directions issued from time to time by Reserve
Bank of India & NABARD, in the manner so required and give a true and fair view in conformity with the
accounting principles generally accepted in India
(a) in case of the Balance Sheet, of the state of affairs of the bank as at March 31, 2019; and
(b) in case of the Statement of Profit and Loss, of the profit of the bank 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 AND REGULATORY REQUIREMENTS
1. The Balance Sheet and Profit & Loss Account are in agreement with the books of accounts
maintained by the bank, in accordance with Form – A and Form – B respectively of Third Schedule &
provision of Section 29 of the B. R. Act, 1949 and drawn up in conformity with the law.
2. As required under section 30(3) of the B. R. Act, 1949 as applicable to Co-operative societies and
subject to limitation of the audit as indicated in para of 'Auditor's responsibility' & 'Opinion' mentioned
as above, we report that:
- The transactions of the bank which have come to our notice have been within the powers of the bank;
- The statements received from the branches of the bank have been found adequate for the purpose of
our audit;
- We have obtained all the information and explanations, which to the best of our knowledge and belief
were necessary for the purposes of our audit, have been found to be satisfactory;
- In our opinion, proper books of accounts, as required by law, have been kept by the bank so far as
appears from our examination of those books and proper returns adequate for the purpose of our
audit have been received from the branches not visited by us;
- The Balance Sheet, Statement of Profit and Loss and cash flow statement, dealt with by this report,
are in agreement with the books of account & returns.
- Bank has maintained standards of CRR & SLR as per the norms.
- As per the master circular of R.B.I., Income Recognition & Asset classification (IRAC) norms,
provisioning norms, etc. have been generally done properly and necessary amount has been
provided against Bad and Doubtful Debts Reserve.
UDIN : 19409620AAAAAW1360
11
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çÞõ�2018-2019 äëìæýÀ�±èõäëá�±Þõ�ìèçëÚ
Öë.�31-3-2019Þë�ßùÉÞð_�çßäöÝð_Dt. 31-3-2018 Dt. 31-3-2019
10,00,00,000.00
ßí{äý�ÎoÍ�±Þõ�±LÝ�ÎoÍç�Ñ
±ìÔÀòÖ�åõßÛ_Íùâ�wë.�5000/-�Þù�1�±õäë30000�åõß
çèÀëßí�ç_V×ë±ù�764Þë�ÛßÕë´�×Ýõá�±Þõ�äçðá�±ëäõá�Ñ�wë.�5000/-�Þù�1�±õäë�16844åõß�±Þõ�wë.�20/-�Þù�1�±õäë�11264�åõß
15,00,00,000.00
TÝã@ÖçèÀëßí�ç_V×ë±ù
8,42,20,000.002,25,280.00
8,44,45,280.00
13,52,96,560.7312,30,04,049.73
-�åõß�Û_Íùâ�Ñ
BALANCESHEET AS ON 31st MARCH 2019
CAPITAL
Authorised Capital 30000Shares of Rs. 5000 each
• Subscribed Capital Share Amount of Rs.5000/- each• Calls up on Share of Rs. 5000/- each less callsup paid of• above held Co-Op. Institutions 764 (a) 5000 16844 (b) 20 11264
RESERVES & OTHER FUNDS
VËõEÝðËßí�ßí{äý�ÎoÍStatutory Reserve Fund
11,61,76,967.0010,92,46,162.00±õÃþíÀSÇßá�¿õÍíË�VËõÚíáë´{õåÞ�ÎoÍAgricultural Credit stabilisation fund
6,89,67,582.116,23,17,582.11ìÚSÍÙÃ�ÎoÍBuilding Fund
67,32,535.9759,36,503.97ÍíäíÍLÍ�´@äíáë´{õåÞ�Î_ÍDividend equilisation fund
27,26,59,895.3223,78,06,454.17ÂßëÚ�±Þõ�åÀÜ_Í�áõHëë�ÎoÍBad & Doubtful Debt reserve
78,06,007.0578,06,007.05´LäõVËÜõLË�Ná@EÝð±õåÞ�ÎoÍInvestment fluctuation fund
Û_Íùâ�Ö×ë�Øõäð_CAPITAL & LIABILITIES
Rs. Ps. Rs. Ps.Rs. Ps.
çßäëâù�±ëÃâ�á´�ÃÝë...Total C/F...
8,44,45,280.0062,18,90,779.03
3,620.00 --------7,57,70,400.00 8,44,45,280.00
12
äáçëÍ�ìÍVËÿí@Ë�çõLËÿá�Àù-±ùÕßõËíä�ÚõîÀ�ìá.
çÞõ�2018-2019äëìæýÀ�±èõäëá�±Þõ�ìèçëÚ
ìÜáÀÖ�Ö×ë�áõb_PROPERTY & ASSETS
Rs. Ps. Rs. Ps.
-�ßùÀëHëù�Ñ
èë×�Õß�ìçáÀ
8,51,98,434.5311,02,64,141.48
10,20,79,123.0011,68,58,052.00
98,13,00,189.62
288,57,86,400.00288,75,99,300.00
-�ßùÀÍ�Ñ
çßäëâù�±ëÃâ�á´�ÃÝë...
CASH
Cash on hand
INVESTMENTS
ÜKÝV×�Ö×ë�ßëFÝ�çßÀëßÞí�½ÜíÞÃíßí�Ö×ë±LÝ�ËÿVËí�½ÜíÞÃíßí±ù�-�ÕìßìåWË�Ò´Ó
In Central & State Govt. Securities(At Book Value) Annexure 'E'
42,03,500.0039,51,000.00
çèÀëßí�ç_V×ëÞë�åõß�±Þõ�ÍíÚõLÇß�-�Õìß.�Ò±õÎÓ
Share & Debentures in Co-Op.Institution Annexure 'F'
Total C/F...
±LÝ�ÚõîÀùÜë_�ìçáÀ�ÑBALANCE WITH OTHER BANKS
Çëáð�ÂëÖõ�ßëFÝ�ÚõîÀCurrent Deposits
24,96,18,160.0926,66,92,079.24Çëáð�ÂëÖõ�±õç.Úí.±ë´.�±Þõ�±LÝ�ÚõîÀDeposits with other banks
61,58,33,595.0056,58,33,595.00ÜðØÖí�×ëÕHë�°.±õç.çí.�ÚõîÀ�ÕìßìåWË�ÒÍíÓFixed Deposits with G.S.C. Bank Annexure 'D'
--------22,11,31,849.00ßëWËÿíÝÀòÖ�ÚõîÀùÜë_�ÀëÝÜí�×ëÕHëFixed Deposits with Other Nationalised Bank
4,00,000.004,00,000.00±õÜ.±õ.±õç.�ÍíÕù{íË�°.±õç.çí.�ÚõîÀMAS Deposits with G.S.C. Bank
2,50,000.002,50,000.00±õÜ.±õ.±õç.�ÍíÕù{íË�±õÜ.±õç.çí.�ÚõîÀMAS Deposits with M.S.C. Bank
288,99,89,900.00
ÃúHë�ßëFÝ�ÛëÃíØëßí�Ñ
22,16,350.0022,16,350.00
INVESTMENT OUT OF PRINCIPAL /SUBSIDIARY STATE PARTNERSHIP FUNDIN SHARES OF :
Õþë×ìÜÀ�Âõ.ìä.ç.Ü_.�åõßùÜë_�ßùÀëHëPrimary Agri. Credit Societies
Rs. Ps.
Öë.�31-3-2019Þë�ßùÉÞð_�çßäöÝð_Dt. 31-3-2018 Dt. 31-3-2019
BALANCESHEET AS ON 31st MARCH 2019
3,00,00,000.006,00,00,000.00ßëWËÿíÝÀòÖ�ÚõîÀùÜë_�±Þõ�ÞëÚëÍó�ÚõîÀÜë_�Àùá�×ëÕHë
Call Deposit with Local Nationalised Bank &Nabard Bank
397,55,85,562.62424,51,96,366.72
--------1,00,00,000.00ÍõOË�QÝðEÝð±á�ÎoÍ�ÕìßìåWË�Ò°ÓDebt Mutual Fund Annexture "G"
13
äáçëÍ�ìÍVËÿí@Ë�çõLËÿá�Àù-±ùÕßõËíä�ÚõîÀ�ìá.
çÞõ�2018-2019 äëìæýÀ�±èõäëá�±Þõ�ìèçëÚ
Û_Íùâ�Ö×ë�Øõäð_CAPITAL & LIABILITIES
Rs. Ps. Rs. Ps.
-�±LÝ�ÎoÍç�Ñ
28,46,160.0128,46,160.01
çßäëâù�±ëÃâ�á´�ÃÝë...
OTHER FUNDS
ÕþùÕõÃõLÍë�ÎoÍPropaganda Fund
Õþë×ìÜÀ�Âõ.�ìä.�ç.�Ü_Íâí�åõßÛ_ÍùâPrimary Agri. credit societies
136,60,32,893.65134,73,92,985.31TÝã@Ö±ù������ÕìßìåWË�Ò±õÓIndividual Annexure 'A'
Total C/F...
272,30,94,294.10
±ëÃâÞù�çßäëâù...Total B/F...
64,90,000.0064,90,000.00 VÕõUÝá�ßí{äý�ÎoÍSp. Reserve Fund
3,81,32,543.003,29,46,824.00VÕõUÝá�ÂßëÚ�±Þõ�åÀÜ_Ø�áõHëë�ÎoÍSpecial Bad & Doubtful Debt reserve
71,10,68,348.47
22,16,350.0022,16,350.00
37,21,109.5637,40,109.56 ÔÜëýØë�ÎoÍCharity Fund4,505.604,505.60 VËëÎ�ÚõÞíÎíË�ÎoÍStaff benefit Fund
ÃúHë�ßëFÝ�ÛëÃíØëßí�ÎoÍ�Ñ
PRINCIPAL / SUBSIDIARY STATEPARTNERSHIP FUND ACCOUNT
-�×ëÕHëù�ÑDEPOSITS
FIXED DEPOSITS -�ÜðØÖí�×ëÕHëù�Ñ
135,70,61,400.45160,19,96,215.64Ü_Íâí±ù������ÕìßìåWË�ÒÚíÓSocieties Annexure 'B'
Rs. Ps.
79,77,29,978.47366,92,58,411.27
8,44,45,280.0062,18,90,779.03
65,22,62,091.18
Öë.�31-3-2019Þë�ßùÉÞð_�çßäöÝð_Dt. 31-3-2018 Dt. 31-3-2019
BALANCESHEET AS ON 31st MARCH 2019
5,88,06,257.29
46,75,000.0046,75,000.00 çðäHëý�ÉÝ_Öí�ÎoÍGolden Jubilee Fund
98,00,000.0098,00,000.00ÜÀëÞ�±Þõ�ÎÞaÇß�ÜßëÜÖ�ÎoÍBuilding & Furniture Repair Fund
15,76,399.0015,76,399.00VËëÎB²Õ�ÃþõFÝð´Ëí�ÎoÍStaff Group Gratuity Fund
1,94,43,000.001,69,43,000.00ÀLËíLÉLË�Õþùäí{Þ�±Ãõ´LVË�VËëLÍÍó�±õçõËçContigent Provision Against Standard Assets
9,13,435.009,13,435.00ÂõÍ>Ö�áùÞ�äíÜë�ìÕþÜíÝÜ�ÎoÍFarmers Loan Insurance Premium Fund
1,39,00,000.001,39,00,000.00ËõÀÞùáù°�±ÕÃþõÍõåÞ�ÎoÍTechnology Upgradation Fund
19,26,648.1219,26,648.12çèÀëßí�Ü_ÍâíÞõ�çèëÝ�±Þõ�ÕþùIçëèÞ�ÎoÍCo. Op. Societies Support (Encouragement) Fund
14
äáçëÍ�ìÍVËÿí@Ë�çõLËÿá�Àù-±ùÕßõËíä�ÚõîÀ�ìá.
çÞõ�2018-2019äëìæýÀ�±èõäëá�±Þõ�ìèçëÚ
Öë.�31-3-2019Þë�ßùÉÞð_�çßäöÝð_Dt. 31-3-2018 Dt. 31-3-2019
BALANCESHEET AS ON 31st MARCH 2019
ìÜáÀÖ�Ö×ë�áõb_PROPERTY & ASSETS
Rs. Ps. Rs. Ps.
Ë<_Àí�ÜðØÖ
88,57,81,004.5381,42,05,125.30
279,50,92,695.39
-�ìÔßëHëù�Ñ
çßäëâù�±ëÃâ�á´�ÃÝë...
ADVANCES
Short Term
Total C/F...
ÂõÖí�ìäæÝÀ�(±õç.±õ.±ù.)Agricultural (S.A.O.)
Öõ�ÕöÀí�ÜðØÖäíÖíOf which Overdue 18,30,05,874.31
Rs. Ps.
±ùäßÍÿëNËç
3,21,52,284.801,91,55,084.20Overdrafts
ÜëÀõýËÙÃMarketing
Öõ�ÕöÀí�ÜðØÖäíÖíOf which Overdue -----------
1,94,57,175.191,70,59,158.05ÜëáÖëßHë�ÂëÖßHypothecation Fertilizer
Öõ�ÕöÀí�ÜðØÖäíÖíOf which Overdue 24,47,962.88
±LÝ 185,77,02,230.87150,72,59,392.86 Others
Öõ�ÕöÀí�ÜðØÖäíÖíOf which Overdue 5,39,57,439.88
À<á�ÜðØÖäíÖí�wë. 23,94,11,277.07
ÜKÝÜ�ÜðØÖ
53,39,61,977.7559,92,15,526.85Medium Term
ÂõÖí�ìäæÝÀ�çëÜëLÝAgricultural
Öõ�ÕöÀí�ÜðØÖäíÖíOf which Overdue 2,19,43,404.01
167,11,01,040.40±LÝ 113,71,39,062.6589,30,31,618.57 Others
Öõ�ÕöÀí�ÜðØÖäíÖíOf which Overdue 3,74,75,488.32
À<á�ÜðØÖäíÖí�wë. 5,94,18,892.33
±ëÃâÞù�çßäëâù...Total B/F... 397,55,85,562.62424,51,96,366.72
844,17,79,298.41809,51,22,272.55
15
äáçëÍ�ìÍVËÿí@Ë�çõLËÿá�Àù-±ùÕßõËíä�ÚõîÀ�ìá.
çÞõ�2018-2019 äëìæýÀ�±èõäëá�±Þõ�ìèçëÚ
Öë.�31-3-2019Þë�ßùÉÞð_�çßäöÝð_Dt. 31-3-2018 Dt. 31-3-2019
BALANCESHEET AS ON 31st MARCH 2019
Û_Íùâ�Ö×ë�Øõäð_CAPITAL & LIABILITIES
Rs. Ps. Rs. Ps.
-�ÀßÉ�Ñ
çßäëâù�±ëÃâ�á´�ÃÝë...
BORROWINGS
±õÃþíÀSÇß�åùËó�ËÜýAgricultural Short Term
158,90,89,861.55154,20,46,538.30 TÝã@Ö±ùIndividual
Total C/F...
270,36,48,443.75
±ëÃâÞù�çßäëâù...Total B/F...
20,24,00,600.0023,38,04,700.00
20,00,00,000.00--------
202,85,77,710.00
581,17,40,887.40
±ùËù�ÕðÞÑ�ìÔßëHëAutomatic Refinance NFS
SAVINGS DEPOSITS -�ÚÇÖ�×ëÕHëù�Ñ
111,45,58,582.20127,33,45,454.13 Ü_Íâí±ùSocieties
7,21,60,761.905,77,39,305.46 TÝã@Ö±ùIndividual
38,49,98,149.55
CURRENT DEPOSITS -�Çëáð�×ëÕHëù�Ñ
31,28,37,387.6527,11,45,442.25 Ü_Íâí±ùSocieties
From GSCB & NABARD°.±õç.çí.�ÚõîÀ�Ö×ë�ÞëÚëÍó�ÖßÎ×í
ÚíSç�Îùß�ÀáõÀåÞ�(ÀùLËÿë.)Bills for Collection (Contra) 4,34,273.0015,80,662.00
åëÂë�èäëáëÞëBranches Adjustment 48,26,045.001,27,57,474.00
ÜðØÖäíÖí�TÝëÉ�ßí{äýOverdue Interest Reserve 6,37,55,627.186,42,62,840.09
ÇðÀääëÕëhë�TÝëÉInterest Payable 9,54,12,601.399,25,05,063.24
Rs. Ps.
79,77,29,978.47366,92,58,411.27
Õõ@ç�Ë<�±õܱõççí�ÕþùÃþëÜ�áùÞPacs to MSC Program Loan --------2,93,000.00
101,01,00,000.0049,01,00,000.00åùËó�ËÜý�ÜSËí�ÕßÕ{�Àõå�¿õÍíËShort Term Multi Pur. Cash. Credit
50,30,77,110.0071,89,51,570.00 ±ùËù�ÕðÞÑ�ìÔßëHëAutomatic Refinance FS
880,24,77,122.44842,77,90,460.74
11,30,00,000.00--------±õÃþíÀSÇßá�åùËó�ËÜý�±ë÷Þ�ÎLÍAgricultutal Short Term Own Fund
16
äáçëÍ�ìÍVËÿí@Ë�çõLËÿá�Àù-±ùÕßõËíä�ÚõîÀ�ìá.
çÞõ�2018-2019äëìæýÀ�±èõäëá�±Þõ�ìèçëÚ
Öë.�31-3-2019Þë�ßùÉÞð_�çßäöÝð_Dt. 31-3-2018 Dt. 31-3-2019
BALANCESHEET AS ON 31st MARCH 2019
ìÜáÀÖ�Ö×ë�áõb_PROPERTY & ASSETS
Rs. Ps. Rs. Ps.
ÜâäëÕëhë�TÝëÉ 18,94,59,107.4216,74,90,308.73
çßäëâù�±ëÃâ�á´�ÃÝë...
Interest Receivable
Total C/F...
Öõ�ÕöÀí�ÜðØÖäíÖíOf which Overdue 3,46,72,995.13
Rs. Ps.
ÎíZÇß�±õLÍ�ÎíËÙBç1,07,53,612.4790,95,384.75
6,37,51,902.612,06,48,289.57
Fixtures & Fittings
±ëÃâÞù�çßäëâù...Total B/F...
áë_Úí�ÜðØÖ�ìÔßëHë 19,68,73,295.1319,04,69,821.76 Long Term Loan
Öõ�ÕöÀí�ÜðØÖäíÖíOf which Overdue 61,38,635.01
ÖõÞí�çëÜõ�ÜðØÖäíÖíOverdue against it 3,46,72,995.13
ÚíSç�ßíçíäõÚá�(ÀùLËÿë.)4,34,273.0015,80,662.00
4,31,03,613.043,33,25,016.41
Bills Receivable (Contra.)
´ÜëßÖLand & Building
Üñâ�ìÀoÜÖNet Price
Less Depreciation FundÚëØ�Ñ�Cëçëßë�ÎoÍ
5,00,03,479.98
1,66,78,463.57
ÍõÍ�VËùÀ 44,42,597.9544,39,103.95 Dead Stock
çõ´Î�ÍíÕù{íË�äùSË 59,598.4570,118.45 Safe Deposite Vault
´áõ@ËÿíÀá�´LVËùáõåÞ 55,74,790.3543,97,571.50 Electrical Installation
ÜùËß�Àëß 80,63,311.1933,85,584.73 Motor Car
ÀùQMÝðËß�±Þõ�±õçõçßí{40,44,018.557,80,584.50 Computers and Accessories
887,16,49,587.00851,69,93.033.18
844,17,79,298.41809,51,22,272.55
-�É_ÃÜ�ìÜáÀÖù�ÑFIXED ASSETS
Interest Reserved TÝëÉ�ßí{äý
16,37,139.6264,27,585.50 L & B Work in ProgressáõLÍ�±õLÍ�ìÚSÍÙÃ�äÀó�´Þ�ÕþùÃþõç
3,47,649.354,09,018.35 Office Equipment ±ùÎíç�´@äíÕÜõLË
17
äáçëÍ�ìÍVËÿí@Ë�çõLËÿá�Àù-±ùÕßõËíä�ÚõîÀ�ìá.
çÞõ�2018-2019 äëìæýÀ�±èõäëá�±Þõ�ìèçëÚ
Öë.�31-3-2019Þë�ßùÉÞð_�çßäöÝð_Dt. 31-3-2018 Dt. 31-3-2019
BALANCESHEET AS ON 31st MARCH 2019
lí�M²JäíßëÉ�ÀSÝëHë°�ÜèõÖë
lí�ìÀåëõßÛë´�ÛíÂðÛë´�ÕËõá(Öë.�28-02-2019�çðÔí)
lí�ÜÃÞÛë´�ØðáýÛÛë´�ÕËõá(Öë.�01-03-2019�×í)
lí�èìßìç_è�{äõßÛë´�çëõá_Àí
lí�Ü_ÃâÛë´�Ã_Ãë°Ûë´�ÃëäíÖ
lí�Õ_ÀÉÛë´�Éõ.�ÕËõá
lí�ìèÖõåÛë´�ÃùgäØÛë´�ÕËõá
lí�ÀßçÞÛë´�ÃðÜëÞÛë´�ÕËõá
lí�±_Úõáëá�äí.�ÕËõá
lí�ìÉSáë�ß°VËÿëßlí
(1)
(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
(10)
lí�ìÜáÞÀ<Üëß�ßÜHëáëá�Øõçë´
lí�ÃÜÞÛë´�ÛëÝáðÛë´�Ûíçßë
lí�±åùÀÛë´�ÕßÛðÛë´�ÕËõá
lí�ìÀåùßÛë´�èßíÛë´�ÕËõá
lí�ÀëáíØëçÛë´�áÂðÛë´�ÇúÔßí
(11)
(12)
(13)
(14)
(15)
Û_Íùâ�Ö×ë�Øõäð_CAPITAL & LIABILITIES
Rs. Ps. Rs. Ps.
±LÝ�ÉäëÚØëßí±ù�Ñ
çßäëâù...
OTHER LIABILITIES
Íí.Íí.�Õõ±õÚáD.D. Payable
ÃÖ�äæýÞí�ÚëÀíAs per Previous Year
Total...
±ëÃâÞù�çßäëâù...Total B/F...
14,42,682.0014,42,682.00
3,50,00,000.00---------
88,393.0082,315.00
10,45,99,250.22
çLÍÿí�¿õÍíË�ßíçíMË�±ùÎ�Õõ@çSundry Credit Receipt of PACS
ÚëØ�Ñ�ÎëâäHëíLess : Appropriation 3,50,00,000.00---------
Çëáð�äæýÞù�ÞÎùCurrent Year Profit 5,00,00,000.003,50,00,000.00
2,406.004,65,521.00±ëÕäëÞð_�ÚëÀí�ÍíäíÍLÍUnpaid Dividend
59,74,810.7644,13,810.76 çLÍÿí�¿õÍíËçýSundry Creditors
9,70,90,958.469,51,96,735.82±LÝ�ßÀÜù�±Þõ�½õÃäë´±ù�(ÕìßìåWË�ÒçíÓ)Provisions and Others (Annexure 'C')
ÞÎë�ÞðÀåëÞ�ÂëÖð�ÑPROFIT & LOSS ACCOUNT
895,70,76,372.66856,43,91,525.32
Rs. Ps.
880,24,77,122.44842,77,90,460.74
ÀLËíÉLË�áëÝëÚíáíËí{Contingent Liabilities
±LÍß�ÚõîÀ�Ãõß_LËí�wë.�5,00,000.00Under Bank Guarantee Rs. 5,00,000.00
------------------
18
äáçëÍ�ìÍVËÿí@Ë�çõLËÿá�Àù-±ùÕßõËíä�ÚõîÀ�ìá.
çÞõ�2018-2019äëìæýÀ�±èõäëá�±Þõ�ìèçëÚ
Öë.�31-3-2019Þë�ßùÉÞð_�çßäöÝð_Dt. 31-3-2018 Dt. 31-3-2019
BALANCESHEET AS ON 31st MARCH 2019
_ÃùìäØÛë´�Ëí.�ÕËõá
äë´ç�ÇõßÜõÞ
ÉÝ_ìÖÛë´�Ýð.�ÕËõá
ÇõßÜõÞ
Õí.�Úí.�ÀëÀÍíÝë
ÇíÎ�±õ@{í@ÝðËíä�±ùÎíçß
Õí.�Úí.�ÞëÝÀ´ÞÇëÉý�±õÀëµLËLË
±ëõÍíËçýçùÞí�{ëäß�±õLÍ�Àëð_.,�ÇëËóÍý�±õÀëµLËLËçïû,�çðßÖ
ìÜáÀÖ�Ö×ë�áõb_PROPERTY & ASSETS
Rs. Ps. Rs. Ps.
-�±LÝ�±VÀÜëÝÖùOTHER ASSETS
Rs. Ps.
VËõåÞßí13,00,379.3910,99,805.99 Stationary
±ëÃâÞù�çßäëâù...Total B/F...
4,80,96,829.66
çLÍÿí�ÍõËçý15,11,582.0017,48,836.00 Sundry Debtors
±LÝ�ßÀÜù�(ÕìßìåWË�Ò±õÇÓ�ÜðÉÚ)4,52,84,868.274,21,34,481.15 Others Annexure 'H'
çßäëâù...Total... 895,70,76,372.66856,43,91,525.32
887,16,49,587.00851,69,93,033.18
ÀVËÜß�áëÝëÚíáíËí{Customer Liabilities
±LÍß�ÚõîÀ�Ãõß_Ëí�wë.�5,00,000.00Under Bank Guarantee Rs. 5,00,000.00
Íí.�±õ.�ßëÉÕðÖÜõÞõÉß
(áùLç�/�çðÕßäí{Þ)
--------------------
±Ôß�´LËõÞ°Úá�±õçõËûç1,20,852.003,02,130.00 Other Intangible assets
ßíLÝð±á�±õÞ°ý�Ííäë´ç2,120.0010,600.00 Renewal Energy Device
MáëLË�±õLÍ�ÜåíÞßí22,84,266.0721,02,639.00 3,73,29,956.00Plant & Machinery
±ëß.�±ëß.�ÕËõá±ëçí.�ÜõÞõÉß�(±ë´.�Ëí.)
19
äáçëÍ�ìÍVËÿí@Ë�çõLËÿá�Àù-±ùÕßõËíä�ÚõîÀ�ìá.
çÞõ�2018-2019 äëìæýÀ�±èõäëá�±Þõ�ìèçëÚ
Dt. 31-3-2018 Dt. 31-3-2019Öë.�31-3-2019Þë�ßùÉ�Õðßë�×Öë�äæýÞð_�ÞÎëÞðÀåëÞ�ÂëÖð
PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH 2019
±ëäÀINCOME
Rs. Ps. Rs. Ps.
ÀÜíåÞ�±Þõ�Øáëáí�Ñ
TÝëÉ�±ëTÝð_65,17,46,583.3656,94,72,597.55
21,54,781.6220,11,755.27
-�TÝëÉ�Ñ
çßäëâù�±ëÃâ�á´�ÃÝë...
INTEREST
Interest Received
1,58,161.001,84,989.00çðÕßäí{Þ�ÎíSupervision Fee
17,91,295.0015,74,751.00áùÀß�ÛëÍ<Lockers Rent
67,534.731,66,139.84ÕßÇðßHë�±ëäÀMiscellaneous Income
Total C/F...
2,32,600.002,26,700.00ÜÀëÞ�ÛëÍë�±ëäÀBuilding Rent Income
Rs. Ps.
91,02,98,871.07
TÝëÉ�±ëääëÞð_Interest Receivable 15,47,86,112.29
106,50,84,983.36Total À<á
ÚëØ�Ñ�åëÂë�TÝëÉÞëLess : Branch Interest 41,33,38,400.00
ìÔßëHëù�µÕß�TÝëÉ
Interest on Loan& Advances
×ëÕHëù�µÕß�TÝëÉInterest on Deposits
ßùÀëHëù�µÕß�TÝëÉInterest on Investment
32,36,89,081.35 39,38,97,304.37
4,63,87,791.995,37,28,973.06
21,14,61,487.0019,20,54,543.14
Commission & Brokerage
-�±LÝ�±ëäÀ�ÑOTHER INCOME
--------1,57,87,500.00çßÀëßí�½ÜíÞÃíßíÞë�ßùÀëHëÞë�áõ-äõÇÜë_�×Ýõá�ÞÎùGovt. Security Trading P/L
65,39,01,364.9858,94,63,029.31
90,788.6138,596.65
ìäÜë�Õùáíçí�ìÕþÜíÝÜ�ÀÜíåÞ�±ëäÀÞë
Commission Received onInsurance Premium
20
äáçëÍ�ìÍVËÿí@Ë�çõLËÿá�Àù-±ùÕßõËíä�ÚõîÀ�ìá.
çÞõ�2018-2019äëìæýÀ�±èõäëá�±Þõ�ìèçëÚ
Dt. 31-3-2018 Dt. 31-3-2019
½äÀEXPENDITURE
Rs. Ps. Rs. Ps.
TÝëÉ�±ëMÝð_41,50,09,658.5738,38,53,726.03
9,94,12,795.13
1,03,46,679.50
-�TÝëÉ�Ñ
çßäëâù�±ëÃâ�á´�ÃÝë...
INTEREST
Interest Paid
7,50,06,597.007,51,55,767.00ÀÜýÇëßí�ÕÃëßÛJ×ë�±Þõ�ÎoÍÎëâëEmployees Salary, allowance and Fund
Total C/F...
3,32,886.50ìÜáÀÖ�ÜßëÜÖRepairs of Property
Rs. Ps.
78,95,89,763.57
TÝëÉ�±ëÕäëÞð_Interest Payable 3,87,58,295.00
82,83,48,058.57Total À<á
ÚëØ�Ñ�åëÂë�TÝëÉÞëLess : Branch Interest 41,33,38,400.00
Interest on Deposits×ëÕHëù�µÕß�TÝëÉ
Àß½õ�µÕß�TÝëÉInterest on Borrowing
7,86,679.00
28,58,97,031.57
12,91,12,627.00
ìÜáÀÖ�ÜßëÜÖ�±Þõ�Cëçëßë�ÂÇýDEPRECIATION & REPAIRS TO PROPERTY
1,00,13,793.00
1,26,330.001,33,520.00Ííßõ@ËßùÞí�Îí�Ö×ë�ÛëÍëÛJ×ëDirector's Fees and TA DA
2,12,00,811.912,02,93,001.56ÛëÍ<,�Àßäõßù,�äíÜù�ìäÃõßõRent, Taxes, Insurance
3,42,850.001,44,660.00 ÀùËó�Ö×ë�äÀíá�ÎíLegal Charges
6,18,206.228,28,642.01Öëß-ËÕëá�±Þõ�ËõáíÎùÞPostage, Telegram & Telephone
17,35,000.0012,20,000.00 ±ùÍíË�Îí
75,20,152.00Cëçëßë�ÂÇýDepreciation Exp.67,33,473.00
Öë.�31-3-2019Þë�ßùÉ�Õðßë�×Öë�äæýÞð_�ÞÎëÞðÀåëÞ�ÂëÖð
PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH 2019
30,19,63,955.03
8,18,89,771.00
Audit Fee
3,83,000.0019,87,500.00 çðÕßìä{Þ�±õ@çÕõLçSupervision Expense
15,17,956.6610,80,791.68VËõåÞßí�ÈÕëÜHëí�±Þõ�½èõßëÖStationary Printing & Advertisement
21,74,201.3921,48,825.16çí.Úí.±õç.�±õÍ�±ùÞ�çìäýçíç�±õ@çÕõLçCBS Add On Services Expence
15,34,473.8417,07,644.03äëìæýÀ�Üõ´LËõÞLç�ÀùLËÿë@Ë�ÂÇýAnnual Maintainance Contract Exp.
52,99,95,765.0949,60,74,229.47
21
äáçëÍ�ìÍVËÿí@Ë�çõLËÿá�Àù-±ùÕßõËíä�ÚõîÀ�ìá.
çÞõ�2018-2019 äëìæýÀ�±èõäëá�±Þõ�ìèçëÚ
Dt. 31-3-2018 Dt. 31-3-2019Öë.�31-3-2019Þë�ßùÉ�Õðßë�×Öë�äæýÞð_�ÞÎëÞðÀåëÞ�ÂëÖð
PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH 2019
±ëäÀINCOME
Rs. Ps. Rs. Ps.Rs. Ps.
±ëÃâÞù�çßäëâù...Total B/F...
çßäëâù...Total...
_ÃùìäØÛë´�Ëí.�ÕËõá
äë´ç�ÇõßÜõÞ
ÉÝ_ìÖÛë´�Ýð.�ÕËõá
ÇíÎ�±õ@{í@ÝðËíä�±ùÎíçß
67,23,89,460.0259,10,75,995.16
65,39,01,364.9858,94,63,029.31
54,323.4061,800.00ìÕþ.�±õÀë.�@áù{ß�Çë°ýçPre A/C Closure Charges
3,41,002.003,37,990.00 Üë´Àß�ÇõÀ�Çë°ýçMicr Cheque Charges
Õí.�Úí.�ÀëÀÍíÝë
ÇõßÜõÞ
17,820.0021,250.00Í<MáíÀõË�ìÕþLËÙÃ�Çë°ýçDuplicate Printing Charges
8,60,177.305,80,590.00±õç.�±õÜ.�±õç.�çìäýç�Çë°ýçSMS Service Charges
±ëõÍíËçýçùÞí�{ëäß�±õLÍ�Àëð_.,�
ÇëËóÍý�±õÀëµLËLËçïû,�çðßÖÕí.�Úí.�ÞëÝÀ´LÇëÉý�±õÀëµLËLË
Íí.�±õ.�ßëÉÕðÖÜõÞõÉß
(áùLç�/�çðÕßäí{Þ)
1,425.00--------ÕþÔëÞÜ_hëí�ÝùÉÞë�ÀÜíåÞPM Scheme Commission
55,974.002,27,420.00 Àõå�èõLÍáÙÃ�ÎíCash Handling Fee
1,13,64,578.601,07,538.35
ÚõîÀÙÃ�ìçäëÝÞí�Úí°�ìÜSÀÖùÞë�äõÇëHëÜë_�×Ýõá�ÞÎù
Profit From Sale of OR dealing with Non Banking Assets
1,84,88,095.04
4,81,500.0082,950.00 ±õ.Ëí.±õÜ.�çìäýç�±ëäÀATM Service Income
±ëß.�±ëß.�ÕËõá
±ëçí.�ÜõÞõÉß�(±ë´.�Ëí.)
--------1,12,293.00 TÝëÉ�äâÖß�±ëäÀInterest Rebate Income
1,33,900.0079,100.00 Íù@ÝðÜõLË�Çë°ýçDocument Charges
19,773.402,034.50 ±õ@ÝðQÝðáõËõÍ�Çë°ýçAccumulated Charges
lí�M²JäíßëÉ�ÀSÝëHë°�ÜèõÖë
lí�ìÀåëõßÛë´�ÛíÂðÛë´�ÕËõá(Öë.�28-02-2019�çðÔí)
lí�ÜÃÞÛë´�ØðáýÛÛë´�ÕËõá(Öë.�01-03-2019�×í)
lí�èìßìç_è�{äõßÛë´�çëõá_Àí
lí�Ü_ÃâÛë´�Ã_Ãë°Ûë´�ÃëäíÖ
lí�Õ_ÀÉÛë´�Éõ.�ÕËõá
lí�ìèÖõåÛë´�ÃùgäØÛë´�ÕËõá
lí�ÀßçÞÛë´�ÃðÜëÞÛë´�ÕËõá
lí�±_Úõáëá�äí.�ÕËõá
lí�ìÉSáë�ß°VËÿëßlí
(1)
(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
lí�ìÜáÞÀ<Üëß�ßÜHëáëá�Øõçë´
lí�ÃÜÞÛë´�ÛëÝáðÛë´�Ûíçßë
lí�±åùÀÛë´�ÕßÛðÛë´�ÕËõá
lí�ìÀåùßÛë´�èßíÛë´�ÕËõá
lí�ÀëáíØëçÛë´�áÂðÛë´�ÇúÔßí
(10)
(11)
(12)
(13)
(14)
(15)
15,51,200.00-------- @Ýð±õÚí�±ëäÀQAB Income
12,66,042.00-------- ±LÝ�±ëäÀOther Income
22
äáçëÍ�ìÍVËÿí@Ë�çõLËÿá�Àù-±ùÕßõËíä�ÚõîÀ�ìá.
çÞõ�2018-2019äëìæýÀ�±èõäëá�±Þõ�ìèçëÚ
Dt. 31-3-2018 Dt. 31-3-2019
½äÀEXPENDITURE
Rs. Ps. Rs. Ps.Rs. Ps.
±ëÃâÞù�çßäëâù...Total B/F...
-�±LÝ�ÂÇý�ÑOTHER EXPENDITURE8,72,573.2310,96,378.57
ÕßÇðßHë�ÂÇý�(ÀLËíÉLË)Miscellanous Exp. (Contingent)
6,95,103.8310,72,411.00 ÕþùÎõåÞá�ÎíProfessional Fees3,04,479.702,97,037.25 ÜùËßÀëß�ÂÇýMotor car Exp.
17,47,718.0016,02,349.00 çí@ÝðßíËí�ÃëÍó�ÂÇýSecurity Guard Exp.5,13,279.944,14,254.78 çßÛßë�ÂÇýEntertainment Exp.1,40,966.382,70,110.53
ÀùQMÝðËß�±õçõçßí{�ÂÇýComputer Accessories Exp.
çßäëâù...Total... 67,23,89,460.0259,10,75,995.16
52,99,95,765.0949,60,74,229.47
Öë.�31-3-2019Þë�ßùÉ�Õðßë�×Öë�äæýÞð_�ÞÎëÞðÀåëÞ�ÂëÖð
PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH 2019
11.5821.49 ßëµLÍ�±ùÎRound Off
2,42,650.004,30,744.00ÚõËßí�±õ@çÕõLç�(Ýð.Õí.±õç.�/�´LäËóß)Battery Exp. (UPS / Inverter)
--------1,70,969.00 ´áõÀåÞ�±õ@çÕõLçElection Expenses1,97,476.001,46,831.00 ±õ.°.±õÜ.�±õ@çÕõLçAGM Expenses
7,76,53,441.15
5,00,00,000.003,50,00,000.00ÇùAÂù�ÞÎù�çßäöÝëÜë_�á´�ÃÝëNet Profit Balance Sheet B/F...
-�½õÃäë´±ù�ÑPROVISION3,48,53,441.151,00,10,934.66 ÂßëÚ�åÀÜ_Ø�áõHëëBad & Doubtful Debt.4,03,00,000.002,60,00,000.00 ´LÀÜËõZë�Õþùäí{ÞIncome Tax Provision
25,00,000.009,00,000.00ÀLËí.�Õþùìä.�±Ãõ´LVË�VËëLÍÍó�±õçõËûç
Contigent Provision against StandardAssets
--------50,00,000.00´LäõVËÜõLË�Ná@Çð±õåÞ�ÎoÍInvestment Fluctuation Fund
--------1,66,278.00 ÀLäõÝLç�ÂÇýConveyance Exp.
1,47,40,253.78
17,500.0018,050.00ÚõîÀ�çÚV¿íÚåÞ�Çë°ýçBank Subscription Charges
80,00,554.3358,66,628.00 çíÚí±õç�çìäýç�Çë°ýçCBS Services Charges
3,49,292.392,41,910.00 ÚõîÀ�Çë°ýçBank Charges
--------50,00,000.00ËõÀÞùáù°�±ÕÃþõÍõåÞ�ÎoÍTechnology Upgradation Fund
--------3,95,049.51 ßíáíÎ�±õ@çÕõLçRelief Expenses7,04,240.003,95,250.00 VäíÕß-@áíÞß-äùËßÜõÞSweeper-Cleaner-Waterman9,54,408.405,06,558.90 NÝð±á�±õ@çÕõLçFuel Expenses
23
äáçëÍ�ìÍVËÿí@Ë�çõLËÿá�Àù-±ùÕßõËíä�ÚõîÀ�ìá.
çÞõ�2018-2019 äëìæýÀ�±èõäëá�±Þõ�ìèçëÚ
ìäÃÖParticularsDt. 31-3-2018 Dt. 31-3-2019
ÀÜýÇëßí�ÕÃëß�ÛJ×ë 5,07,24,807.004,83,49,348.00
ÀÜýÇëßí�ÕÃëß�ÛJ×ë�ÎoÍ�ÎëâëEmployees Salary Allowance Fund
Salary of Employees
ÕþùìäÍLÍ�ÎoÍ�ÚõîÀ�Îëâù 66,12,872.0064,14,779.00 Providend Fund Banks Contribution
B²Õ�ÃþõFÝð´Ëí�´LVÝùßLç�ìÕþÜíÝÜ 24,38,524.0049,37,496.00 Group Gratuity Insurance Premium
èoÃëÜí�ÀÜýÇëßí�ÜèõÞÖëb_ 78,93,080.0076,48,635.00 Salary of Daily Wages Employees
áíä�çõáõßí�(ß½�ÕÃëß) 36,44,804.0046,58,697.00 Leave Salary
±õá.Ëí.çí. 12,000.00---------- L.T.C.
ÜõÍí@áõ´Ü 1,85,813.001,38,168.00 MediclaimÀÜýÇëßí±ù�ÜðçëÎßí�ÛJ×ë_ 9,71,570.009,62,842.00 T.A.D.A.
78,451.0079,612.00 Closing allowance @áù{ÙÃ�±õáëµLç
7,50,06,597.007,51,55,767.00
ìÍßõ@Ëçý�Îí�±Þõ�ÛJ×ëDirector's Fee and Allowance
ìäÃÖParticularsDt. 31-3-2018 Dt. 31-3-2019
ìÍßõ@Ëçý�ÜðçëÎßí�ÛJ×ë 62,330.0058,320.00 Directors Travelling Allowance
ìÍßõ@Ëçý�çíËÙÃ�Îí 64,000.0075,200.00 Directors Sitting Fee
1,26,330.001,33,520.00
ÛëÍ<,�Àßäõßë,�äíÜù�äÃõßõRent, Tax, Insurance etc.
ìäÃÖParticularsDt. 31-3-2018 Dt. 31-3-2019ÛëÍ<�±Þõ�Àßäõßë 27,23,996.7119,60,414.50 Rent & Tax
´áõ@ËÿíçíËí�ÂÇý 15,09,473.2915,67,703.62 Electricity Expense
2,12,00,811.912,02,93,001.56
äíÜë�ìÕþÜíÝÜ 4,84,775.003,52,864.00 Insurance Premium
57,37,320.0056,07,156.00 Insurance Premium Deposit ÍíÕù{íË�´LVÝðßLç�ìÕþÜíÝÜ2,500.002,500.00 Professional tax Enrollment Fees TÝäçëÝ�äõßë�±õÞßùáÜõLË�Îí
2,92,000.003,24,000.00 Staff Bonus Expense VËëÎ�ÚùÞç�ÂÇý14,23,992.0013,67,242.00 Daily Wages Bonus Expense èoÃëÜí�ÀÜýÇëßí�ÚùÞç�ÂÇý
35,902.0044,593.00 Employees Training Expense ÀÜýÇëßí�Ëÿõ´ÞÙÃ�ÂÇý
12,65,000.0010,94,500.00 Jyotigram Akasmat Vima Yojna FÝùìÖÃýÜÝ�±ÀVÜëÖ�ìäÜë�ÝùÉÞë--------27,55,815.65 Service Tax Expense çìäýç�ËõZë�±õ@çÕõLç
1,31,215.001,32,037.00 Employees EDLI Premium Expense ÀÜýÇëßí�´Íí±õá±ë´�ìÕþÜíÝÜ�ÂÇý
21,781.6016,33,554.30 FLC Center Expense ±õÎ.±õá.çí.�çõLËß�ÂÇý
h
h
h
4,377.002,097.00 EDLI Administration Chages ´Íí±õá±ë´�±õÍÜíÞíVËÿõåÞ�Çë°ýç
--------40,145.44 Krushi Kalyan Cess Àòìæ�ÀSÝëHë�çõç--------40,145.44 Swachh Bharat Cess VäEÈ�ÛëßÖ�çõç
99,190.0096,221.00 PF Administration Charges Õí.±õÎ.�±õÍÜíÞíVËÿõåÞ�Çë°ýç
29,44,014.2714,94,515.69 IGST Expenses ±ë´.°.±õç.Ëí.�ÂÇý30,14,968.5218,71,843.46 CGST Expenses çí.°.±õç.Ëí.�ÂÇý30,14,968.5218,71,843.46 SGST Expenses ±õç.°.±õç.Ëí.ÂÇý
1,14,000.00---------- Apprentice Employees Salary ±õÕþõLËíç�ÀÜýÇëßí�çõáõßí3,44,000.00---------- FLC Employees Salary ±õÎ.±õá.çí.�ÀÜýÇëßí�çõáõßí
4,82,014.00-------- Income Tax Expenses ´LÀÜËõZë�ÂÇý
24
äáçëÍ�ìÍVËÿí@Ë�çõLËÿá�Àù-±ùÕßõËíä�ÚõîÀ�ìá.
çÞõ�2018-2019äëìæýÀ�±èõäëá�±Þõ�ìèçëÚ
VËõåÞßí�ÈÕëÜHëí�±Þõ�½èõßëÖ�ÂÇýStationary Printing and Advertisement Charges
ìäÃÖParticularsDt. 31-3-2018 Dt. 31-3-2019VËõåÞßí�±Þõ�ìÕþLËÙà 8,79,205.665,29,997.73 Stationary Printing
½èõßëÖ 6,38,751.005,50,793.95 Advertisement
15,17,956.6610,80,791.68
ìäÃÖParticularsDt. 31-3-2018 Dt. 31-3-2019
ÜðØÖí�×ëÕHëù�(ÀëÝÜí�×ëÕHëù) 112,11,36,766.80115,54,72,247.42 Term Deposit (Fixed Deposit)@ÝðQÝðáõËíä�×ëÕHëù 22,99,18,221.3317,80,73,869.35 Cummulative Deposit
136,60,32,893.65134,73,92,985.31
ßíÀßÙÃ�×ëÕHëù 86,40,100.0074,31,121.02 Recurring DepositÜõEÝùÍó�ÜðØÖí�×ëÕHëù 40,20,937.5241,42,105.52 Matured Term Deposit
20,16,329.0020,67,479.00 Matured Cummulative Deposit ÜõEÝùÍó�@ÝðQÝðáõËíä�×ëÕHëù3,00,539.002,06,163.00 Matured Recurring Deposit ÜõEÝùÍó�ßíÀßÙÃ�×ëÕHëù
ÕìßìåWË�Ò±õÓ�ÜðØÖí�×ëÕHëù�Ñ�TÝã@ÖAnnexure 'A' Term Deposit : Individual
Öëß�ËÕëá�±Þõ�ËõáíÎùÞPostage, Telegram & Telephone
ìäÃÖParticularsDt. 31-3-2018 Dt. 31-3-2019ËõáíÎùÞ�ÂÇý 4,06,495.906,58,126.15 Telephone Expense
ÕùVËõÉ�±Þõ�ËõáíÃþëÜ 2,11,710.321,70,515.86 Postage And Telegram
6,18,206.228,28,642.01
ìäÃÖParticularsDt. 31-3-2018 Dt. 31-3-2019äõÚ�ÍõäáÕÜõLË�±õLÍ�Üõ´LËõÞLç�±õ@çÕõLç 800.004,595.00 Web Development & Maintanance Exp.
vÕõ�ÀëÍó�±õ@çÕõLç --------5,30,000.00 Rupay Card Expense
21,74,201.3921,48,825.16
±õç.±õÜ.±õç.�±õ@çÕõLç 1,16,042.001,77,079.16 SMS Expense±õÞ.Õí.çí.±ë´.�ËÿëL{õÀåÞ�ÀùVË 1,01,636.1356,875.26 NPCI Transaction Cost
çí.Úí.±õç.�çìäýç�Çë°ýçCBS Add On Services Expense
±õ.�Ëí.�±õÜ.�±õÀëµLË�Çë°ýç 16,94,078.538,21,807.74 ATM Account Charges±õ.�Ëí.�±õÜ.�ÀëÍó�±Þõ�ÀíË�ÂÇý --------2,33,250.00 ATM Card & Kit Expences
áí{áë´Þ�ÂÇý 2,61,414.003,25,218.00 Lease Line Expences
ìäÃÖParticularsDt. 31-3-2018 Dt. 31-3-2019±õ.±õÜ.çí.�Àõå�ÀëµLË�ÞùË�åùËó�ÜåíÞ 3,80,400.0055,650.00 AMC Cash Count Note Short Machine
±õ.±õÜ.çí.�ÀùQMÝðËß�±Þõ�èëÍóäõß 5,88,906.849,81,632.00 AMC Computer & Hardware
15,34,473.8417,07,644.03
äëìæýÀ�Üõ´LËõÞLç�ÀùLËÿë@Ë�ÂÇýAnnual Maintainance Contract Exp.
±õ.±õÜ.çí.�çùNËäõß�ÂÇý 24,500.005,73,500.00 AMC Expence For Software
h
h
h
h
h
±õ.±õÜ.çí.�{õßùZë�ÜåíÞ 30,967.0032,712.03 AMC Zerox Machine
±õ.±õÜ.çí.�áíNË 43,500.0043,500.00 AMC Lift1,34,200.00
±õ.±õÜ.çí.�çíçíËíäí�±Þõ�±õËõLÍLç 3,32,000.00-------- AMC CCTV and Attendence
±ë´.±õÜ.Õí.±õç.�ÂÇý 230.73-------- IMPS Expenses
ÉÞßõËß�Üõ´LËõÞLç�ÂÇý20,650.00 Generator Maintenance Expenses
25
äáçëÍ�ìÍVËÿí@Ë�çõLËÿá�Àù-±ùÕßõËíä�ÚõîÀ�ìá.
çÞõ�2018-2019 äëìæýÀ�±èõäëá�±Þõ�ìèçëÚ
ÕìßìåWË�ÒçíÓ�-�±LÝ�ÉäëÚØëßí±ù�Ö×ë�½õÃäë´±ù�±LÝ�ßÀÜù�(Øõäë_)Annexure 'C' - Other Liabilities And Provision
ìäÃÖParticularsDt. 31-3-2018 Dt. 31-3-2019
çÚçíÍí�±õÍäëLç 3,81,30,434.004,67,57,835.00 Subsidy Advance
±õÍÉVËÜõLË�(ç_ÛìäÖ�ÂÇý) 11,36,500.0829,52,290.00 Adjustment
35,67,954.0035,67,954.00 Provision for Staff Salary Arrears VËëÎ�çõáõßí�±õßíÝçý�½õÃäë´
73,55,294.4686,55,681.86 Initial Deposit of Proposed Society ´ÞíåíÝá�ÍíÕù{íË�±ùÎ�ÕþÕù{Í�çùçëÝËí
6,84,458.656,84,458.65 Unclaimed Amount ±Þ@áõ´Ü�ßÀÜ
4,03,00,000.002,60,00,000.00 Income Tax Provision ´LÀÜ�Ëõ@ç�Õþùäí{Þ
1,216.601,216.60 Group Insurance Policy çëÜðèíÀ�äíÜë�ÝùÉÞë--------280.00 Professional Tax ÕþùÎõåÞá�ËõZë
3,258.401,258.40 Arbitration fee Deposit áäëØ�Îí�ÍíÕù{íË
9,70,90,958.469,51,96,735.82
--------1,22,921.00 TDS Payable Ëí.Íí.±õç.�ÕõÝõÚá
ìäÃÖParticularsDt. 31-3-2018 Dt. 31-3-2019
ÜðØÖí�×ëÕHëù 129,72,59,240.58159,07,05,089.52 Term Deposit
@ÝðQÝðáõËíä�×ëÕHëù 5,87,14,691.091,01,97,157.34 Cummulative Deposit
135,70,61,400.45160,19,96,215.64
ÜõEÝùÍó�ÜðØÖí�×ëÕHëù 9,33,767.029,40,267.02 Matured Term Deposit
ÜõEÝùÍó�@ÝðQÝðáõËíä�×ëÕHëù 1,53,701.761,53,701.76 Matured Cummulative Deposit
ÕìßìåWË�ÒÚíÓ�ÜðØÖí�×ëÕHëù�Ñ�Ü_Íâí±ùAnnexure 'B' Term Deposit : Society
--------4,19,460.00 Share Application åõß�±õMáíÀõåÞ9,91,102.868,98,500.00 ATM Clearing A/C Suspence ±õ.Ëí.±õÜ.�@áíÝßÙÃ�±õÀë.�çVÕõLç
13,32,882.0020,49,244.00 Cust. Deposit Deduct TDS Payable ÀVËÜß�ÍíÕù{íË�ÍíÍ.�Ëí.Íí.±õç.�Õõ±õÚá--------22,529.40 FLC Nabard Project ±õÎ.±õá.çí.�ÞëÚëÍó�ÕþùÉõ@Ë
66,880.0066,880.00 Clearing Defference @áíÝßÙÃ�ÍíÎßLç--------38,057.08 RTGS Inward Rejected A/C ±ëß.Ëí.°.±õç.�´ÞäÍó�ßíÉõ@ËõÍ�±õÀë.
27,11,236.0027,11,236.00 RBI Deaf Scheme-2014 Liabilities ±ëß.Úí.±ë´.�ÍõÎ�VÀíÜ-2014�áëÝëÚíáíËí
hh
h
--------32,400.00 Neft (In-Out) Messages Account
±õÞ.´.±õÎ.Ëí.�(´Þ-±ëµË)�Üõçõ°ç�±õÀëµLË--------37,415.90 SGST Payable ±õç.°.±õç.Ëí.�Õõ±õÚá--------37,415.90 CGST Payable çí.°.±õç.Ëí.�Õõ±õÚá--------488.53 IGST Payable ±ë´.°.±õç.Ëí.�Õõ±õÚá
4,85,919.861,39,213.50 GST Payable °.±õç.Ëí.�Õõ±õÚá----------- 14,650.00APY Contribution AC ±õ.Õí.äëÝ.�ÀùLËÿíOÝðçÞ�±õÀëµLË----------- 2,95,721.55System RTGS/POS/ATM Rejected çíVËÜ�±ëßËí°±õç/Õùç/±õËí±õÜ�ßíÉõ@ËõÍ----------- 13,450.00IMPS Outward ±ë´.±õÜ.Õí.±õç.�±ëµËäÍó
26
äáçëÍ�ìÍVËÿí@Ë�çõLËÿá�Àù-±ùÕßõËíä�ÚõîÀ�ìá.
çÞõ�2018-2019äëìæýÀ�±èõäëá�±Þõ�ìèçëÚ
ìäÃÖParticularsDt. 31-3-2018 Dt. 31-3-2019
çëÜëLÝ 45,00,00,000.0040,00,00,000.00 General
ßí{äý�ÎoÍ 4,42,25,000.004,42,25,000.00 Reserve Fund
61,58,33,595.0056,58,33,595.00
±õÃþíÀSÇß�¿õÍíË�VËõÚíáë´{õåÞ�Î_oÍ 9,22,38,595.009,22,38,595.00 Agri. Credit Stabilisation Fund
ÍíäíÍLÍ�´@äíáë´{õåÞ�ÎoÍ. 13,75,000.0013,75,000.00 Dividend Equalization Fund
ìÚSÍÙÃ�ÎoÍ 2,79,95,000.002,79,95,000.00 Building Fund
ÕìßìåWË�Ò´Ó�Ñ�½ÜíÞÃíßíÜë_�ßùÀëHëÞí�ÜëìèÖíAnnexure 'E' - Information of Investment in Securities
ìäÃÖParticularsDt. 31-3-2018 Dt. 31-3-2019
50,46,02,000.0050,46,14,000.00
ÃäýÜõLË�ìç@ÝðßíËí�Ñ�çõLËÿá�ÃäýÜõLË�ÑGovernment Security : Central Government :
ÃäýÜõLË�±ùÎ�´ãLÍÝë�±õç.�°.�±õá.�2026����10.18„1,00,19,000.001,00,22,000.00 Government of India S.G.L. 2026 10.18%
Total (A) À<á�(±)
ÃäýÜõLË�±ùÎ�´ãLÍÝë�±õç.�°.�±õá.�2046����7.06„10,02,43,000.0010,02,52,000.00 Government of India S.G.L. 2046 7.06%
ÃäýÜõLË�±ùÎ�´ãLÍÝë�±õç.�°.�±õá.�2039����6.83„9,84,20,000.009,84,20,000.00 Government of India S.G.L. 2039 6.83%
ÃäýÜõLË�±ùÎ�´ãLÍÝë�±õç.�°.�±õá.�2033����6.57„9,80,00,000.009,80,00,000.00 Government of India S.G.L. 2033 6.57%
ÃäýÜõLË�±ùÎ�´ãLÍÝë�±õç.�°.�±õá.�2029����6.79„4,89,65,000.004,89,65,000.00 Government of India S.G.L. 2029 6.79%
ÃäýÜõLË�±ùÎ�´ãLÍÝë�±õç.�°.�±õá.�2029����6.79„4,89,65,000.004,89,65,000.00 Government of India S.G.L. 2029 6.79%
ÃäýÜõLË�±ùÎ�´ãLÍÝë�±õç.�°.�±õá.�2034����7.50„9,99,90,000.009,99,90,000.00 Government of India S.G.L. 2034 7.50%
ÕìßìåWË�ÒÍíÓ�°.±õç.çí.�ÚõîÀÜë_�ÜðØÖí�×ëÕHëAnnexure 'D' Term Deposit in GSC Bank h
h
ÃäýÜõLË�ìç@ÝðßíËí�Ñ�VËõË�ÃäýÜõLË�ÑGovernment Security : State Government :
ÃäýÜõLË�±ùÎ�ÃðÉßëÖ�±õç.�Íí.�±õá.�2025��8.20„10,08,28,000.0010,09,66,000.00 Government of Gujarat S.D.L. 2025 8.20%
ÃäýÜõLË�±ùÎ�ÃðÉßëÖ�±õç.�Íí.�±õá.�2025��8.20„10,08,28,000.0010,09,66,000.00 Government of Gujarat S.D.L. 2025 8.20%
ÃäýÜõLË�±ùÎ�ÃðÉßëÖ�±õç.�Íí.�±õá.�2025��7.96„5,00,60,000.005,00,70,000.00 Government of Gujarat S.D.L. 2025 7.96%
ÃäýÜõLË�±ùÎ�ÜèëßëWËÿ�±õç.�Íí.�±õá.�2025��7.99„5,00,60,000.005,00,70,000.00 Government of Maharashtra S.D.L. 2025 7.99%
ÃäýÜõLË�±ùÎ�ÃðÉßëÖ�±õç.�Íí.�±õá.�2025��7.96„2,00,08,400.002,00,09,800.00 Government of Gujarat S.D.L. 2025 7.96%
ÃäýÜõLË�±ùÎ�Àõßëáë�±õç.�Íí.�±õá.�2025��7.99„5,00,33,000.005,00,38,500.00 Government of Kerala S.D.L. 2025 7.99%
ÃäýÜõLË�±ùÎ�ÃðÉßëÖ�±õç.�Íí.�±õá.�2025��8.05„5,01,65,000.005,01,92,500.00 Government of Gujarat S.D.L. 2025 8.05%
27
äáçëÍ�ìÍVËÿí@Ë�çõLËÿá�Àù-±ùÕßõËíä�ÚõîÀ�ìá.
çÞõ�2018-2019 äëìæýÀ�±èõäëá�±Þõ�ìèçëÚ
ìäÃÖParticularsDt. 31-3-2018 Dt. 31-3-2019
238,11,84,400.00238,29,85,300.00 Total (B) À<á�(Ú)
288,57,86,400.00288,75,99,300.00 Total (E) À<á�(´)
ÃäýÜõLË�±ùÎ�ÖëìÜáÞëÍ<�±õç.�Íí.�±õá.�2025��8.00„10,01,44,000.0010,01,68,000.00 Government of Tamilnadu S.D.L. 2025 8.00%
ÃäýÜõLË�±ùÎ�µkëßÕþØõå�±õç.�Íí.�±õá.�2026��7.99„5,02,13,500.005,02,44,000.00 Government of Utter Pradesh S.D.L. 2026 7.99%
ÃäýÜõLË�±ùÎ�äõVË�ÚõîÃëá�±õç.�Íí.�±õá.�2026��7.19„5,01,19,000.005,01,36,000.00 Government of West Bengal S.D.L. 2026 7.19%
ÃäýÜõLË�±ùÎ�èßíÝëHëë�±õç.�Íí.�±õá.�2026��7.35„5,02,83,500.005,03,24,000.00 Government of Hariyana S.D.L. 2026 7.35%
ÃäýÜõLË�±ùÎ�ÜèëßëWËÿ�±õç.�Íí.�±õá.�2025��7.37„5,02,97,500.005,03,40,000.00 Government of Maharashtra S.D.L. 2026 7.37%
ÃäýÜõLË�±ùÎ�ßëÉV×ëÞ�±õç.�Íí.�±õá.�2026��7.38„5,03,06,250.005,03,50,000.00 Government of Rajasthan S.D.L. 2026 7.38%
ÃäýÜõLË�±ùÎ�ßëÉV×ëÞ�±õç.�Íí.�±õá.�2026��7.17„10,03,11,500.0010,03,56,000.00 Government of Rajasthan S.D.L. 2026 7.17%
ÃäýÜõLË�±ùÎ�ÀHëëýËÀ�±õç.�Íí.�±õá.�2026��7.14„5,00,49,000.005,00,56,000.00 Government of Karnatka S.D.L. 2026 7.14%
ÃäýÜõLË�±ùÎ�ÜKÝÕþØõå�±õç.�Íí.�±õá.�2026��7.15„5,00,42,000.005,00,48,000.00 Government of Madhya Pradesh S.D.L. 2026 7.15%
ÃäýÜõLË�±ùÎ�±ë_ÔþÕþØõå�±õç.�Íí.�±õá.�2035��7.27„10,02,12,500.0010,02,25,000.00 Government of Andra Pradesh S.D.L. 2035 7.27%
ÃäýÜõLË�±ùÎ�±ë_ÔþÕþØõå�±õç.�Íí.�±õá.�2035��7.27„5,00,38,250.005,00,40,500.00 Government of Andra Pradesh S.D.L. 2035 7.27%
ÃäýÜõLË�±ùÎ�±ë_ÔþÕþØõå�±õç.�Íí.�±õá.�2035��7.27„4,99,75,000.004,99,75,000.00 Government of Andra Pradesh S.D.L. 2035 7.27%
ÃäýÜõLË�±ùÎ�Öõá_ÃHëë�±õç.�Íí.�±õá.�2026��7.40„20,24,88,000.0020,28,44,000.00 Government of Telangana S.D.L. 2026 7.40%
ÃäýÜõLË�±ùÎ�ÜèëßëWËÿ�±õç.�Íí.�±õá.�2022��7.42„5,05,40,000.005,07,20,000.00 Government of Maharastra S.D.L. 2022 7.42%
ÃäýÜõLË�±ùÎ�ÃðÉßëÖ�±õç.�Íí.�±õá.�2027��7.20„15,06,00,000.0015,06,75,000.00 Government of Gujarat S.D.L. 2027 7.20%
ÃäýÜõLË�±ùÎ�ÖëìÜáÞëÍð�±õç.�Íí.�±õá.�2027��7.23„15,06,00,000.0015,06,75,000.00 Government of Tamilnadu S.D.L. 2027 7.23%
ÃäýÜõLË�±ùÎ�ßëÉV×ëÞ�±õç.�Íí.�±õá.�2027��7.23„10,03,84,000.0010,04,32,000.00 Government of Rajasthan S.D.L. 2027 7.23%
ÃäýÜõLË�±ùÎ�ÜèëßëWËÿ�±õç.�Íí.�±õá.�2029��7.18„10,03,75,000.0010,04,12,500.00 Government of Maharastra S.D.L. 2029 7.18%
ÃäýÜõLË�±ùÎ�±ë_ÔþÕþØõå�±õç.�Íí.�±õá.�2026��7.42„15,16,33,000.0015,18,66,500.00 Government of Andhra Pradesh S.D.L. 2026 7.42%
ÃäýÜõLË�±ùÎ�äõVË�ÚõîÃëá�±õç.�Íí.�±õá.�2026��7.42„5,05,44,000.005,06,22,000.00 Government of West Bengal S.D.L. 2026 7.42%
ÃäýÜõLË�±ùÎ�ÖëìÜáÞëÍð�±õç.�Íí.�±õá.�2027��7.24„15,09,36,000.0015,10,53,000.00 Government of Tamilnadu S.D.L. 2027 7.24%
ÃäýÜõLË�±ùÎ�ÜèëßëWËÿ�±õç.�Íí.�±õá.�2029��7.18„9,91,10,000.009,91,10,000.00 Government of Maharastra S.D.L. 2029 7.18%
28
äáçëÍ�ìÍVËÿí@Ë�çõLËÿá�Àù-±ùÕßõËíä�ÚõîÀ�ìá.
çÞõ�2018-2019äëìæýÀ�±èõäëá�±Þõ�ìèçëÚ
ìäÃÖParticularsDt. 31-3-2018 Dt. 31-3-2019
±ë´.±õÎ.çí.±ë´I.F.C.I.
çõLËÿá�äõß�èëµçÙÃ�ÀùÕùýßõåÞ 5,000.005,000.00 Central Warehousing Corporation2,45,000.002,45,000.00
ÃðÉßëÖ�ÞÜýØë�äõáí�ÎËaáë´{ß 2,500.002,500.00 Gujarat Narmada Valley Fertilizer
2,52,500.002,52,500.00 Total (A) À<á�(±)
çèÀëßí�ç_V×ë±ùÞë�åõßShares of Co-Operative Societies
ÃðÉßëÖ�VËõË�Àù.�±ù.�ÚõîÀ�áí.�(VËõË�Àù.�±ù.)37,90,000.0035,35,000.00 Gujarat State Co-Op. Bank Ltd. (State Co-Op.)
ÃðÉßëÖ�VËõË�Àù.�±ù.�ÜëÀõËÙÃ�ÎõÍßõåÞ�ìá.--------2,500.00 Gujarat State Co-Op. Marketing Federation Ltd.
ÀòæÀ�ÛëßÖí�Àù.�±ù.�ìá. 25,000.0025,000.00 Krushak Bharti Co-op. Ltd.
´LÍíÝÞ�ÎëÜýç�Àù.�±ù.�çùçëÝËí.�ìá. 1,36,000.001,36,000.00 Indian Farmers Co-Op. Soc. Ltd.
39,51,000.0036,98,500.00 Total (B) À<á�(Ú)
42,03,500.0039,51,000.00 Total (F) À<á�(±õÎ)
ÕìßìåWË�Ò±õÎÓ�Ñ�åõß�±Þõ�ìÍÚõLÇßAnnexure 'F' - Share and Debenture h
Total Investment (E) + (F) + (G) 288,99,89,900.00290,15,50,300.00 À<á�ßùÀëHëù�(´)�†�(±õÎ)�†�(°)
ìäÃÖParticularsDt. 31-3-2018 Dt. 31-3-2019
ÍõOË�QÝðEÝð±á�ÎoÍDebt Mutual Fund1,00,00,000.00 ----------
1,00,00,000.00 ----------Total (G) À<á�(°)
ÕìßìåWË�Ò°Ó�Ñ�ÍõOË�QÝðEÝð±á�ÎoÍAnnexure 'G' - Debt Mutual Fund h
ìäÃÖParticulars Dt. 31-3-2019ËõáíÎùÞ�ÍíÕù{íË 67,205.0067,205.00 Telephone Deposit
4,52,84,868.274,21,34,481.15
±ùÎíç�ÍíÕù{íË 4,500.004,500.00 Office DepositáíÃá�Çë°ýç�±õÍäëLç 1,45,000.001,45,000.00 Legal Charges Advances
Øõäë�ßëèÖ�ÜâäëÕëhë�±ÜëLÝ�ßÀÜ 1,93,543.001,93,543.00 Invalid Amount ARDRVËõQÕ�´QÕþõVË 2,100.002,580.00 Stamp Impressed
´LÀÜËõZë�ßíçíäõÚá 4,02,07,779.083,75,59,560.08 Income Tax Receivable±õç.�±ëß.�±ù.�ÍíÕù{íË 6,000.006,000.00 S.R.O. Deposit
VËëÎ�Õõ�±õÍäëLç 2,000.002,000.00 Staff pay advanceÕùVË�±ùÎíç�ÚÇÖ�ÂëÖð_ --------5,020.00 Post Office Saving Account
äÇÃëâëÞí�ßëèÖ 5,24,598.005,24,598.00 Mid Term Relief
´áõ@ËÿíçíËí�ÍíÕù{íË 1,81,134.001,81,134.00 Electricity DepositÞëÚëÍó�Õëçõ�TÝëÉ�çèëÝ 39,475.0084,438.00 Interest Rebate from NABARD
°.±ù.±ë´.�ÕþùQMË�ßíÀäßí�´LËÿõVË�çÚäõLçÞ 2,32,153.0023,551.00 GOIÍõÎ.�ßíçíäõÚá�±õÀëµLË�ÚþëLÇ 1,87,396.541,87,396.54 Deaf Receivable A/C. Branch
ÕìßìåWË�Ò±õÇÓ�-�±LÝ�ßÀÜù�(áõHëë_)Annexure 'H' - Suspense & Sundries
Dt. 31-3-2018
±ëß.Úí.±ë´.�ÍõÎ�VÀíÜ-2014�±õçõË 27,11,236.0027,11,236.00 RBI Deaf Scheme-2014 Assets
h
±ë´.°.±õç.Ëí.�ßíçíäõÚá --------26,468.49 IGST Receivable°.±ù.°.�ÕþùQMË�ßíÀäßí�´LËÿõVË�çÚäõLçÞ --------1,59,641.00 GOG
çí.°.±õç.Ëí.�ßíçíäõÚá --------1,25,305.02 CGST Receivable±õç.°.±õç.Ëí.�ßíçíäõÚá --------1,25,305.02 SGST Receivable
´LËßõVË�ßíçíäõÚá�ÞëÚëÍó 3,68,274.00-------- Interest Receivable Nabard±õÎ.±õá.çí.�ÎoÍ�ßíçíäõÚá�ÞëÚëÍó 87,028.00-------- FLC Fund Receivable Nabard
±ë´.±õÜ.Õí.±õç.�´ÞäÍó 2,91,246.25-------- IMPS Inward@áõ´Ü�Îùß�áùßù 34,200.00-------- Claim For Loro
29
äáçëÍ�ìÍVËÿí@Ë�çõLËÿá�Àù-±ùÕßõËíä�ÚõîÀ�ìá.
çÞõ�2018-2019 äëìæýÀ�±èõäëá�±Þõ�ìèçëÚ
(2)��ßùÀëHëù�Ñ�� ßùÀëHëùÞí�ìäÃÖù�ÑSLR
(±)(Ú)
ÕëÀõ�IÝë_�çðÔí�Þ�äõÇäëÞë�ßùÀëHëù�(Held to Maturity)Çëáð�ßùÀëHëù�(äõÇëHëZëÜ)�(Current)Çëáð�ßùÀëHëùÞí�ÇùÕÍõ�ìÀ_ÜÖ�(Book Value)Çëáð�ßùÀëHëùÞí�Îõå�äõSÝð�(Face Value)Çëáð�ßùÀëHëùÞí�Ú½ß�ìÀ_ÜÖ�(Market Value)
wë.wë.wë.wë.wë.
(wë.�áëÂÜë_)
prudential guidelines on management of the non-SLR investment portfolio bySCBs/ CCBs-Disclosures requirements (vide paragraph 15 of the Guidelines)
Appendix II
i) Issuer composition of non-SLR investments
No. Issuer Amount Extent of privateplacement
Extent of'below investmentgrade' Securitiesalready invested
Extent of'unrated'
Securitiesalready invested
(1) (2) (3) (4) (5) (6)
1 P S Us
2 Fls
3 Provision
Held
Towards
Depreciation
Total
Extent of'unlisted'Securities
(7)
(Rs. in crore)
28734.25
-------
-------
-------
-------
---------- ----- ----- -----
----- ----- ----- ----- -----
----- ----- ----- ----- -----
----- ----- ----- ----- -----
----- ----- ----- ----- -----
----- ----- ----- ----- -----
---------- ----- ----- -----
Amount reported under columns 4 and 5 above may not be mutually exclusive.
(1) Segment Reporting (As-17)
The Bank's Operation are solely in the Banking Service industry. As InterestIncome accounts for more than 90% of the Bank's total revenue hencereporting on Business segment is not necessary and also the Bank does nothave any operation outside Gujarat and is operated in same geographicalarea hence reporting on Geographical segment as per Accounting Standards - 17 on "Segment Reporting", issued by The Institute of Chartered Accountantsof India is not necessary.
ßí{äý�ÚõÀ_ �±ùÎ�´ìLÍÝëÞë�ÕìßÕhë�ÜðÉÚÞùËûç�±ùÞ�±õÀëµLËçû�(Disclosure)�Öë.�31-3-2019 hh
30
äáçëÍ�ìÍVËÿí@Ë�çõLËÿá�Àù-±ùÕßõËíä�ÚõîÀ�ìá.
çÞõ�2018-2019äëìæýÀ�±èõäëá�±Þõ�ìèçëÚ
(3)��ÚõîÀÞë�ÍëÝßõ@Ëßù,�ÖõÞë�çÃë±ùÞõ�Ö×ë�Öõ±ù�Éõ�À_ÕÞí�/�ÕõÏí�/�Ô_ÔëÜë_�ç_ÀâëÝõáë�èùÝ�ÖõÞõ�ÚõîÀõ�±ëÕõá�������ìÔßëHëùÞí�ìäÃÖùÑ
(±)��ìÔßëHëùÞí�ìäÃÖ��������������ÂëÖëÞð_�ÞëÜ Ü_É\ß�ßÀÜ�wë. ÚëÀí�ßÀÜ�wë.
(Ú)��ÚíÞ�ìÔßëHëùÞí�áíÜíË�������(Ãõß_Ëí�±õá.�çí.�ìä.)�������ÂëÖëÞð_�ÞëÜ
Ü_É\ß�ßÀÜ�wë. ÚëÀí�ßÀÜ�wë.
(4)��×ëÕHëÞí�çßõßëå�ÕÍÖß�ìÀ_ÜÖ�Ñ
(±)��ÇðÀäõá�TÝëÉ�wë.
(Ú)��çßõßëå�ËÀëäëßí
(5)��±õÞ.�Õí.�±õ.�Ñ
------ ------ ------
2016-17
2017-18
2018-19
Year
ii) Non performing non-SLR investments
ParticularsAmount
(Rs. Crore)
Opening balancestAdditions during the year since 1 April
Reductions during the above period
Closing balance
Total provisions held
-----
-----
-----
-----
-----
3886
3704
3423
35164.43
40403.96
46630.67
1390
1417
1423
2235.65
2067.08
2279.84
6.36
5.12
4.89
0%
0%
0%
1029.26
1435.41
1687.30
2438.39
2547.50
2726.60
No. ofA/c
TotalAdvance
NPAA/c
NPAO/S
GrossNPA%
NetNPA%
RequiredProvision
as perNABARD
Provisionmade by
Bank
(wë.�áëÂÜë_)
2018-19
2858.97
5.40%
---- ---- ---- ----
2017-18
3019.64
5.61%
31
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1687.30
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Note :
NET PROFIT :The Net Profit disclosed in Profit & Loss account is arrived at after making.a) Provision for taxes.b) Provision for Non Performing Assets/ Standard Advances as per RBI guidelines.
(wë.�áëÂÜë_)
2547.50
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434.68 403.00 260.00 577.68
33
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A. CASH FLOW FROM OPERATING ACTIVITIES
CASH FLOW STATEMENT (as per AS - 3 OF ICAI)
For the YearEnded 31-3-2019
For the YearEnded 31-3-2018
Net Profit before Taxation & Extraordinary items 5,00,00,000 3,50,00,000
9,03,82,673 5,54,57,308
1,00,13,793
3,57,55,980
4,03,00,000
-------
-------
25,00,000
18,12,900
67,33,473
1,00,10,935
2,60,00,000
50,00,000
50,00,000
9,00,000
18,12,900
Depreciation
Bad and Doubtful Debt.Reserve
Income Tax Provision
Investment Fluctuation Fund
Technology Upgradation Fund
Contigency Provision against Standard Assets
Premium Amortisation on Govt. Security
Operating Profit Before Working Capital Changes
Add : Adjustment for
Decrease In Loans & Advances (Short, Medium & Long Term)
Decrease In sundry Debtors
Decrease In Branch Adjustment (Assets)
Decrease in Other Assets
Increase In Deposits
Increase in Overdue Interest Reserve
Increase in Borrowings (From Gscb & Nabard)
Increase In Branch Adjustment (Liability)
Increase In Interest Payble
Increase In Other laibilities
NET CASH FLOW FROM OPERATING ACTIVITIES [ A ]
Particulars
12,87,85,495 7,44,43,108
-------
2,37,254
-------
-------
-------
-------
58,54,28,440
-------
29,07,538
4,66,31,441
-------
6,35,825
22,37,780
30,29,065
59,61,03,930
13,20,194
39,23,12,340
1,27,57,474
-------
1,60,73,444
Less : Adjustment for
Increase In Loans & Advances (Short & Long Term)
Increase In Interest Receivable
Decrease in Deposits
Increase In Other Asset
Decrease in Interest Payable
Decrease In Borrowings (From Gscb & Nabard)
Decrease In Branch Adjustment (Liability)
Decrease In Overdue Interest Reserve
Decrease In Other Liabilities 97,92,57,298 59,22,60,424
66,26,71,303
2,28,71,338
28,19,25,054
33,50,961
-------
-------
79,31,429
5,07,213
-------
52,39,52,930
5,62,08,631
-------
-------
1,20,98,862
-------
-------
-------
-------
CASH FLOW AFTER WORKING CAPITAL CHANGES (21,52,67,130) 50,66,52,737
Less Income Tax / Advance Tax 2,87,09,000 2,60,00,000
(24,39,76,130) 48,06,52,737
Add : Adjustment for
Building Rent Income
Govt. Security Trading Profit
Profit on sale of Assets
2,32,600
-------
1,13,64,578
2,26,700
1,57,87,500
-------
Less : Adjustment for
hh
14,03,82,673 9,04,57,308
63,52,04,673 102,44,70,053
76,39,90,168 109,89,13,161
34
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CASH FLOW FROM FINANCING ACTIVITIES
1,39,40,446 90,95,746
86,74,880
-------
16,80,805
-------
35,42,511
42,250
51,25,660
1,19,460
31,39,632
1,20,952
5,39,259
50,783
Increase in Share Capital
Share Application Money
Increase in Agri. Credit Stabilisation Fund
Sp. Bad & Doubtful Debt. Reserve
Increase in Statutory Reserve
Reserve Fund (Nominal Members Fee)
Particulars
91,19,427 82,90,675
48,21,019 8,05,071
91,00,427
19,000
82,81,175
9,500
Dividend Paid
Charity Fund
NET CASH FLOW USED IN FINANCING ACTIVITIES [ C ]
(25,80,50,404) (64,12,46,311)NET INCREASE OR DECREASE IN CASH & CASH EQUIVALENTS [ A+B+C ]
134,14,29,716 198,26,76,027CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR (A)
11,68,58,052
6,00,00,000
116,45,71,664
64,20,58,821
14,50,00,000
119,56,17,206
Cash
Call Deposits
Bank Balance
108,33,79,312 134,14,29,716CASH AND CASH EQUIVALENTS AT END OF YEAR (B)
10,20,79,123
3,00,00,000
95,13,00,189
11,68,58,052
6,00,00,000
116,45,71,664
Cash
Call Deposits
Bank Balance
For the YearEnded 31-3-2019
For the YearEnded 31-3-2018
CASH FLOW STATEMENT (as per AS - 3 OF ICAI)
Add : Adjustment for
Purchase of Investment
Increase in Fixed Asset
-------
3,04,92,471
111,60,10,350
2,27,07,9693,04,92,471 113,87,18,319
Less : Adjustment for
(1,88,95,293) (112,27,04,119)NET CASH FROM INVESTING ACTIVITIES [ B ]
Less : Adjustment for
35
hh
CASH FLOW FROM INVESTMENT ACTIVITIES
1,15,97,178 1,60,14,200
-------
2,32,600
1,13,64,578
1,57,87,500
2,26,700
-------
Govertment Security Trading Profit
Building Rent Income
Profit on Sale of Assets
Add : Adjustment for
(25,80,50,404) (64,12,46,311)NET INCREASE OR DECREASE IN CASH & CASH EQUIVALENTS [ A+B ]
äáçëÍ�ìÍVËÿí@Ë�çõLËÿá�Àù-±ùÕßõËíä�ÚõîÀ�ìá.
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SIGNIFICANT ACCOUNTING POLICIES
1. Accounting Convention:
The financial statements are prepared under the historical cost convention, on accrual basis of accounting to comply in all material respects, with the mandatory accounting standards and in conformity with accounting principles generally accepted in India ('Indian GAAP') as applicable and the provisions of B. R. Act, 1949. The Accounting Policies have been consistently applied by the Bank; and the accounting policies not referred to otherwise, are in conformity with Indian GAAP.
2. Use of Estimates:
The preparation of the financial statements in conformity with GAAP requires the bank management to make estimates and assumptions that may affect the reported balances of assets and liabilities and disclosures relating to contingent assets and liabilities as at the date of the financial statements and reported amounts of income and expenses during the reporting period. Although these estimates are based upon bank management's best knowledge of current events and actions, actual results could differ from these estimates.
3. Revenue Recognition:
INCOME:
(i) Items of Income and expenditure are generally accounted for on accrual basis.
(ii) Income from non-performing assets is recognized to the extent realized, as per the directives issued by RBI
(iii) Interest on Government Securities and other fixed income securities are recognized on accrual basis.
(iv) Dividend income is accounted on realization basis.
(v) Commission (except for commission on Deferred Payment Guarantees which is recognized on accrual basis), Locker Rentals, Supervision fees, House Rent Income and brokerage are recognized on realization
EXPENSES:
(i) An annual maintenance contract for computer maintenance is accounted for at the time of payment.
(ii) Closing allowance to staff is accounted on cash basis.
(iii) Premium on deposits payable to DICGC is accounted on cash basis.
(iv) Leave encashment is accounted on cash basis.
(v) Insurance premium accounted on cash basis.
(vi) Investments: Difference
a. Categorization of Investment
Held to Maturity – Securities acquired by the Bank with the intention to hold till maturity
Held for Trading – Securities acquired by the Bank with the intention to trade
Available for Sale – Securities which do not fall within the above two categories are classified as 'available for sale'
b. Classification of Investments
For the purpose of disclosure in the Balance Sheet, Investments have been classified under four groups as required under RBI guidelines – Government Securities, Other Approved Securities, Shares and Bonds of PSU, Other Investments
c. HTM investments are carried out at their acquisition cost. Any premium on acquisition is amortized over the balance period to maturity.
d. Investments classified as held for trading and available for sale are M to M scrip wise & net depreciation is recognized but net appreciation, if any is ignored under each classification.
36
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e. Profit in respect of Investments sold from 'HTM' category is included in Profit on Sale of Investments and equal amount is transferred to Investment Fluctuation Reserve.
(vii) Advances & Provisions:
The Classification of advances into Standard, Sub-standard, Doubtful & Loss assets as well as provision on non performing advances has been arrived at in accordance with the guidelines issued by the RBI from time to time. In addition to this, a general provision on standard assets has been made at 0.40% of the outstanding amount on a portfolio basis except in the case of direct advances to agricultural and SME Sector which has been at 0.25%.
The Overdue interest in respect of non performing advances is provided separately under “Overdue Interest Reserve” as per the directives issued by RBI.
The provision made for standard advances (performing) in terms of RBI guidelines is however, included under the head “Other Liabilities” in Balance Sheet.
Additional provisions carried on accounts over and above requirements under the prudential norms prescribed by the RBI, which can be considered as special funds / reserves are as follows –
Special Reserve Fund and
Special Bad & Doubtful Debts Fund.
(viii) Fixed Assets:
No assets has been revalued during the year. Fixed Assets are stated at cost of acquisition less accumulated depreciation. Cost of acquisition comprises purchase price and all other expenditure necessary to bring the asset to its working condition for its intended use.
(ix) Depreciation:
Premises and other fixed assets are depreciated on WDV method at the following rates-
Depreciation on fixed assets purchased during the year is charged for the entire year if the asset is purchased and retained for 180 days or more, otherwise it is charged at 50% of the normal rate. Depreciation is not provided as per Block prescribed in Income Tax Act 1961.
(x) Cash Flow Statement:
Cash flows are reported using the indirect method, whereby net profit after tax is adjusted for the effects of transactions of a non cash nature. The cash flows from regular revenue generating, investing and financing activities of the bank are segregated.
(xi) Employee Benefits:
(i) Contribution to employees' benefit Funds remitted to statutory authority is charged to revenue on accrual basis.
(ii) Gratuity and superannuation benefits wherever applicable are covered by policies taken with the LIC. The premium paid under these schemes is charged to revenue.
1.
2.
3.
4.
5.
6.
7.
SN Particulars Rate of Depreciation
Land
Building (Office & Commercial)
Furniture & Fixture
Electric Fitting
Safe Deposit Vault
Vehicale (All)
Computers & Computer Software
Nil
10%
10%
10%
15%
15%
60%
37
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(xii) Provision for Tax:
Provision for Current income tax is measured at the amount expected to be paid to the tax authorities in accordance with the I.T. Act, 1961.
(xiii) Accounting for Taxes and Income:
The bank has not complied with the Accounting Standard (AS–22) on “Accounting for Taxes and Income” as issued by ICAI, by not providing the deferred tax liability in the financial statements, and to that extent reserves are stated higher.
(xiv) Impairment of Assets:
The carrying values of assets/cash generating units at each Balance Sheet date is reviewed for impairment of assets. If any indication of such impairment exists, the recoverable amount of those assets is estimated and impairment is recognized, if the carrying amount of those assets exceeds their recoverable amount. The recoverable amount is the greater of the net selling price and their value in use. Value in use is arrived at by discounting future cash flows to their present value based on appropriate discount factor. When there is indication that an impairment loss recognized for an asset in prior accounting periods no longer exists or may have decreased such reversal of impairment loss is recognized.
(xv) Provisions, contingent liabilities and contingent assets:
In accordance with AS-29, provision is recognised when the Bank has a present obligation as a result of past events and it is probable that an outflow of resources will be required to settle the obligation, in respect of which a reliable estimate can be made.
Provisions are not discounted to their present value and are determined based on best estimate required to settle the obligation at the balance sheet date. These are reviewed at each balance sheet date and adjusted to reflect the current best estimates.
Contingent Liabilities are disclosed in the Balance Sheet.
Contingent assets are not recognised.
(xvi) Events occurring 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 statement. 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 BOD.
(xvii) Earnings Per Share
Basic earning per equity share is computed in accordance with the Accounting Standard (AS-20) on “Earning per Share” as issued by ICAI. Basic earning per equity share is computed by dividing net profit by weighted average number of equity shares outstanding during the year.
NOTES ON ACCOUNTS 1. Earnings Per Share
Basic earnings per equity share is computed in accordance with the Accounting Standard (AS-20) on “Earning
per Share” as issued by ICAI. Basic earnings per equity share is computed by dividing net profit by weighted
average number of equity shares outstanding during the year. During the year 2018-19, Bank has Changed its
shares face value from Rs. 20.00 to Rs. 5,000.00 pershare. The Bank has amendedd its bye-laws after
obtaining approval from Registrar of Co-operative Societies, Gandhinagar. Total 11264 shares of Rs. 20 is yet
to be converted / paid till 31-03-2019.
38
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2. Bank has maintained CRR and SLR rate as per RBI guidelines.
3. Bank's CRAR for the F.Y. 2018-19 is 11.13%.
4. As per the circular of R.B.I., recognition of income, classifications of Non- Performing Assets, working of Bad & Doubtful Debt etc. have been generally done properly and necessary amount has been provided against Bad and Doubtful Debts Reserve.
5. Related Party Disclosures
The bank has not given any loan to any of its Directors, their relatives or to company/ firm/ business in which they are associated.
6. Information about Business and Geographical Segment (AS-17)
The banks operations are solely in the banking services industry. As interest income accounts for more than 90% of the bank's total revenue, hence reporting on business segment is not required and also the bank does not have any operation outside Gujarat hence reporting on geographical segment is not required.
7. The bank has not complied with the Accounting Standard (AS–22) on “Accounting for Taxes and Income” as issued by ICAI, by not providing the deferred tax liability in the financial statements, and to that extent reserves are stated higher.
8. Figures have been rounded off to nearest rupee. Previous year figures have been regrouped, rearranged, reclassified wherever necessary to conform with the current year's figures.
9. The entries for which no supporting is provided have been certified by the management and same have been relied upon for the purpose of audit.
10. These financial statements are the responsibility of the management of the bank. The auditor's responsibility is to express an opinion on these financial statements based on their audit.
We have conducted our audit in accordance with auditing standards generally accepted in India. Those Standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement.
An audit includes examining, on a test basis, evidence supporting the amounts and disclosure in the financial statement. An audit also includes assessing the accounting principles used and significant estimates made by the bank management, as well as evaluating the overall financial statement presentation. We believe that our audit provides a reasonable basis for our opinion.
Place : Surat. For and on behalf of
SONI JHAWAR & Co.CHARTERED ACCOUNTANTS
Firm Regn. No. : 110386W
HARISH DAGA PARTNER
Membership No. 409620
1.
2.
3.
4.
Sr. No. Particulars st31 March 2019
Net Profit During the year
Weighted Average No. of Equity Shares outstanding
Nominal value of Equity share
Basic Earning and Diluted Earnings per share
5,00,00,000
15621
5,000
3201
39
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121.24
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142.16
95.13
0.20
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4.12
10.44
1.70
7.35
280.66
121.98
7.00
121.73
4.71
468.13
95.13
0.20
17.03
43.66
46.01
4.31
109.54
4.12
12.43
27.31
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À<á�ìÚ{ÞõçTOTAL BUSINESS WORKING FUNDS ÀëÜÀëÉÞð_�Û_Íùâ(Amount in Lacs)
DEPOSITS ×ëÕHëù
FINANCIAL HIGHLIGHTS (LAST FIVE YEARS)
2015 2016 201920182017
83946.18
90175.08
104748.08101340.62
90140.05
(Amount in Lacs)
60,000
70,000
80,000
90,000
1,10,000
1,00,000
2015 2016 201920182017
50,000
60,000
70,000
90,000
80,000
73290.87 74209.9074408.76
88704.78
84916.32
2015 2016 2017 20192018
(Amount in Lacs)
40,000
45,000
50,000
65,000
60,000
55,000
49367.20
52184.35
58117.41
60936.66
54975.62
2015 2016 201920182017
ADVANCES ìÔßëHë(Amount in Lacs)
25,000
30,000
45,000
50,000
40,000
35,000 34578.98
46630.67
40403.95
35164.43
37990.73
2015 2016 201920182017
OWN FUNDS Vä�Û_Íùâ(Amount in Lacs)
4,500
5,000
5,500
6,000
6,500
7,000
8,000
7,500
4805.92
5971.26
7998.81
7095.20
6590.65
46
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çÞõ�2018-2019äëìæýÀ�±èõäëá�±Þõ�ìèçëÚ
2015 2016 2017 20192018
2015 2016 2017 2018 2019 2015 2016 2017 2018 2019
2015 2016 2017 20182018
2015 2016 2018 20192017
NET BUSINESS PER EMPLOYEE
ÀÜýÇëßí�ØíÌ�ìÚ{Þõç ÀÜýÇëßí�ØíÌ�ÇùAÂù�ÞÎù(Amount in Lacs)
NET PROFIT PER EMPLOYEE
(Amount in Lacs)
GROSS NPA Ãþùç�±õÞ.Õí.±õ. (Amount in Lacs)
GROSS NPA TO ADVANCES IN %
À<á�ìÔßëHëÞí�çëÜõ�Ãþùç�±õÞ.Õí.±õ.Þí�ËÀëäëßí
NET PROFIT AFTER TAX
ËõZë�ÚëØ�ÇùAÂù�ÞÎù (Amount in Lacs)
FINANCIAL HIGHLIGHTS (LAST FIVE YEARS)
200
300
400
500
600
0
1
3
2
1.56
150
200
250
300
350
400
450
500
350.00 350.00
500.00
1,000
1,200
1,400
1,600
2,000
1,800
1876.21
4%
5%
6%
7%
8%
1970.11
2235.65
2067.08
2279.84
5.43%
374.76
419.42
464.64
511.82503.60
1.44
2.40
1.77
1.26
280.00270.00
5.18% 5.12%4.89%
6.36%
2,200
2,400
47
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äèíäËí�±ëõìÎç-äáçëÍèõÍ�±ùìÎç�-�ÚõîÀÙÃçíËí�åëÂë�-�äáçëÍVËõåÞ�åëÂë±ËÃëÜ�åëÂëÍ<_Ãßí�åëÂëÚùØáë´�åëÂëÖíCëßë�åëÂëÔßÜÕðß�åëÂëÞëÞëÕùîÏë�åëÂëÕëßÍí�åëÂëÜùËëäëCëÈíÕë�åëÂëäëÕí�åëÂëµÜßÃëÜ�åëÂëÛíáëÍ�åëÂë±ëèäë�åëÂëäCë´�åëÂëÞäçëßí�åëÂëÉáëáÕùß�åëÂëÜßùáí�åëÂëçëÖõÜ�åëÂëäõVÜë�åëÂëÀßëÍí�åëÂëÃHëõåìççùÄë�åëÂëÂëßë±ÚþëÜë�åëÂëÃHëØõäí�åëÂëÚíáíÜùßë�åëÂë±ÜáçëÍ�åëÂëÃÍÖ�åëÂëÔÜÍëÈë�åëÂëÃHëØõäí�çðÃß�åëÂëÂëßõá�åëÂëÇíÂáí�åëÂëËë_Àá�åëÂëßëÞÀ<äë�åëÂëÎÍäõá�åëÂëÂõßÃëÜ�åëÂëäë_çØë�åëÂëµÞë´�åëÂëäáçëÍ�çðÃß�åëÂëçëÕðÖëßë�åëÂë
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