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nmoQ>{Z`_mVrb CnamoŠV VaVwXrZwgma gd© g^mgXm§Zm gw{MV H$aÊ`mV òVo H$s, Amnë`m ~±Ho$À`m EHy$U R>odr é. 2221/- H$moQ>rnojm OmñV Agë`mZo AmnU {H«$`merb g^mgX åhUyZ nmÌ amhUoH$arVm, gbJ 5 dfm©V H$_rV H$_r EH$Xm dm{f©H$ gd©gmYmaU gôg CnpñWV amhUo d d H$_rV H$_r é. 1500/- Mo ^mJ ^m§S>db YmaU H$aUo d H$_rV H$_r EHy$U R>odr é. 7000/- qH$dm {H$_mZ H$O© é. 1,00,000/- AgUo Amdí`H$ Amho. Var AmnU gXa ~m~tMr Zm|X KoD$Z Ë`mMr ËdarV nwV©Vm H$amdr hr {dZ§Vr. AmYw{ZH$ ~±qH$J d BVa godm : - 1. A) Ama.Q>r.Or.Eg. d EZ.B©.E\$.Q>r gw{dYm(RTGS/NEFT Facilities)-

BVa ~±H$m§~amo~a ObX JVrZo g_memoYZmgmR>r ^maVr` [aPìh© ~±Ho$Zo A§_bmV AmUbobr AË`mYw{ZH$ Ama.Q>r.Or.Eg. d EZ.B©.E\$.Q>r àUmbrMr gw{dYm Amnë`m ~±Ho$_m\©$V g^mgX, ImVoXma d J«mhH$m§À`m godogmR>r Mmby H$aÊ`mV Ambr Amho. Ama.Q>r.Or.Eg. d EZ.B©.E\$.Q>r. godoA§VJ©V ~±Ho$Mo J«mhH$ {H$Vrhr aŠH$_ H$m`m©c`rZ doioV

VmËH$mi AÝ` ~±Ho$À`m ImË`mV darb gw{dYm Ûmao O_m H$aUo eŠ` hmoV Amho. ~)gr Q>r Eg - 2010 (Cheque Truncation

System) àUmbrÛmao YZmXoe dQ>{dÊ`mMr gw{dYm : ^maVr` [aPìh© ~±Ho$Zo A§_bmV AmUboë`m AË`mYw{ZH$ gr Q>r Eg-2010 MoH$ dQ>{dÊ`mMr gw{dYm H$m`©j_ nÕVrZo H$aÊ`mH$arVm ñdV§Ì ^wJVmZ H$m`m©b` National Payment Corporation

of India (NPCI) ñWm{nV H$aÊ`mV Ambobo Amho. gXa H$m`m©b`m_m\©$V MoH$ g_memoYZmMo H$m_H$mO H$aÊ`mH$arVm Amnë`m ~±Ho$Zo ñdV:Mo Clearing

House Interface (CHI) KoÊ`mV òD$Z Ë`m Ûmao ~±Ho$À`m gd© g^mgX d ImVoXmam§Zm ObX JVrZo MoH$ Q´>§Ho$eZMr gw{dYm CnbãY H$aÊ`mV Ambobr Amho. Var gd© g^mgX, ImVoXma `m§Zr Ë`m§À`mH$So> gÜ`m Agbobo Zm°Z gr Q>r Eg YZmXoe Á`m emIoV Ë`m§Mo ImVo Amho Ë`m emIo_Üò naV H$éZ, Ë`mEodOr gr Q>r Eg-2010 à_m{UV YZmXoe ËdarV KoÊ`mV `mdoV. VgoM H$mhr g^mmgX, ImVoXmam§Zr Zm°Z gr Q>r Eg YZmXoe H$mhr H$m`m©b`mg qH$dm BVa {R>H$mUr AmJmD$ hñVmja H$ê$Z {Xbobo Agë`mg, gXa YZmXoe naV KoD$Z Ë`mEodOr gr Q>r Eg-2010 à_m{UV YZmXoe g§~§{YV g§ñWm§Zm ~XbyyZ XoÊ`mV ̀ mdoV. H$) NACH (National Automatic Clearing

House) -

^maVr` [aPìh© ~±Ho$Zo ñWmnZ Ho$bobo ^wJVmZ H$m`m©b` National Payment Corporation

of India (NPCI) `m§Zr gÜ`m g_memoYZ H|$ÐmZwgma H$m`©aV Agboë`m ImVoXmam§Mm nJma, H$O©, hám, H$ZÁ`w_a \$m`ZmÝg d ~rb no_|Q> Aem àH$maÀ`m godm (Electronic Clearing System) _m\©$V CnbãY H$ê$Z XoÊ`mV Amë`m hmoË`m. gXa godm

nmoQ>{Z`_ H«$. nmoQ>{Z`_

1. {H$_mZ é. 1500/-Mo ^mJ^m§S>db KoUo.2. {H$_mZ é. 7000/- aH$_oÀ`m R>odr qH$dm H$_rV H$_r H$O© é. 1,00,000/- KoUo.

\$ŠV {H«$`merb g^mgXm§Zm ~±Ho$À`m {ZdS>UyH$sV_VXmZmMm A{YH$ma Amho.

15- {H«$`m{eb g^mgX hmoÊ`mH$arVm~±Ho$À`m {H$_mZ godm dmnaUo.

17- {H«$`m{eb g^mgXm§Mo A{YH$ma

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\$ŠV g_memoYZ H|$ÐmZwgma _`m©XrV Agboë`m gXa godo_Üò gwYmarV H$éZ (National Automatic

Clearing House) gw{dYm _m\©$V g§nyU© Xoeâ ImVoXmam§Mm nJma, H$O© hám, H$ÝOy_a \$m`ZmÝg d ~rb no_|Q> Aem àH$maÀ`m ̂ wJVmZ H$aÊ`mMr _w^m gd© ~±H$m§_m\©$V CnbãY H$ê$Z XoÊ`mV Ambobr Amho. gXa godm Amnë`m ~±Ho$À`m ImVoXmam§gmR>r CnbãY H$ê$Z XoÊ`mH$arVm Amdí`H$ Vm§{ÌH$ ~Xb (Technology Changes) H$ê$Z nm`m^wV gw{dYm (Infrastructure) V`ma H$aÊ`mV Amboë`m AgyZ gd© ImVoXma, g^mgX `m§Zr gXa godoMm bm^ KoUoH$arVm Amdí`H$ Unique Mandate Amnbo ImVo Agboë`m emIo_Üò gmXa H$aÊ`mV ̀ mdo. 2. EQ>rE_ godm {dñVma- ~±Ho$Mo g^mgX d ImVoXma ̀ m§Zm (24 x 7) XaamoO Mmodrg Vmg amoI aŠH$_ {_iÊ`mgmR>r ~±Ho$Zo cmc~mJ, KmQ>H$mona, _wcw§S>, Vw^}, Eoamocr, CëhmgZJa, H$i§~mocr, Zoê$i, {edS>r, M§XZZJa-nyUo, Zm{eH$, dmKmocr-nwUo, nmB©ncmB©Z amoS>-Ah_XZJa, {eê$a-nyUo, Zm{eH$ amoS>, ImaKa, Zdr gm§Jdr-nwUo, H$ë`mU, a{ddma noR>, nZdoc, ZmairnmS>m-R>mUo, {eS>u, ^mogar-nwUo, VioJm§d-nwUo, ^moB©ga-{O. R>mUo, ~Xcmnya-{O.R>mUo, CaU-{O.am`JS>, Ami§Xr-nwUo, H$monaJmd-Ah_XZJa, Zm§XoS>, Am¡a§Jm~mX, ~mam_Vr, Zm{eH$-{gS>H$mo, òadS>m, nmaZoa, bmohJmd, {eH«$mnya, dmH$S>, ~moardbr, Aem EHy$U 39 emIm§_Üò, VgoM ~±Ho$Zo H$mimMm¡H$s ̀ oWo 1 Am°\$ gmB©Q> EQ>rE_ ̀ mà_mUo EHy$U 40 EQ>rE_Mr gw{dYm Amnë`m ~±Ho$Zo gwé Ho$bobr Amho. 3. Am°\$-gmB©Q> EQ>rE_- ~±Ho$À`m H$mimMm¡H$s òWrc OmJoV (H$mimMm¡H$s nmo{cg ñQ>oeZg_moa) ~±Ho$Mo EH$ Am°\$gmB©Q> EQ>rE_ H$m`©aV Amho.

4. Point of Sale (POS) -

J « mhH$m §Zr IaoXr H o $b oë`m dñVw (CXmhaUmW©-{H$amUm _mb, H$nS>o, KaJwVr Cn`moJr dñVw, BboŠQ´>m°{ZH$ dñVw, hm°Q>ob {~b BË`mXr) `m§Mo no_|Q> OoWo S>o{~Q> qH$dm H«o${S>Q> H$mS>©Ûmao Ho$bo OmV Ë`mbm Point of Sale (POS) Ago åhUVmV. Amnbr ~±H$ _mho Am°JñQ>-2014 nmgwZ éno S>o{~Q> H$mS>© ho ~±Ho$À`m J«mhH$m§g Ë`m§Mo _mJUrZwgma CnãY H$ê$Z XoV Amho. Ë`mÛmao ~±Ho$Mo J«mhH$ XoemVrb Odinmg 95% Point of Sale (POS) Ûmao IaoXrMo ì`dhma ho S>o{~Q> H$mS>©Ûmao H$é eH$VmV. gXa gw{dYo_wio ~±Ho$À`m J«mhH$m§g amoI aŠH$_ ñdV…Odi ~miJmdr bmJV Zmhr. J«mhH$m§g amoI a¸$_ H$mT>Ê`mgmR>r Ë`m§Zm ~±Ho$_Üò doi dm`m Kmb{dÊ`mMr JaO Zmhr. Point of

Sale (POS) da ~±Ho$Mm J«mhH$ Ë`m§À`m ImË`mdarb {e„H$ aH$_oÀ`m CnbãYVoZwgma àËòH$ {Xder OmñVrV OmñV aŠH$_ é. 30,000/- n`ªV IaoXr H$é eH$VmV. Point of Sale (POS) da ~±Ho$À`m J«mhH$m§Zr Ë`m§À`m ImË`mdarb Ho$boë`m ì`dhmam§g ~±H$ H$moUVohr ewëH$ AmH$maUr H$aV Zmhr. 5. E-Commerce :

B©-H$m°_g©À`m _mÜ`_mVwZ J«mhH$m§g S>o{~Q> H$mS>©Ûmao dñVw IaoXr, `w{Q>{bQ>r {~b no_|Q> (XÿaÜdZr {~b, drO {~b, aoëdo [aPìh}eZ, {gZo_m§Mo ~wqH$J BË`mXr) H$aVm òB©b. YmdnirÀ`m `wJmV J«mhH$m§g Ë`m§À`m gmoB©Zwgma Ë`m§À`m S>o{~Q> H$mS>©Ûmao AWdm H«o${S>Q> H$mS>©Ûmao _{hÝ`mMr {~bo âÊ`mMr gw{dYm doJdoJù`m B©-H$m°_g©À`m gw{dYm XoUmè`m H§$nÝ`m§Ûmao CnbãY H$ê$Z {Xbr Amho. Ë`m_wio J«mhH$m§À`m doio_Üò ~MV hmoVo. ~è`mM B§Q>aZoQ> gmB©Q>da J«mhH$mon`moJr dñVw Am°ZbmB©Z IaoXr H$aVm òVmV d {gZo_m, hm°Q>ob ~wH$s¨J, aoëdo, {d_mZ BË`mXtMo ~wH$s¨Jhr H$aVm ̀ oVo. Amnbr ~±H$ EZnrgrAm` `m§Mo _m\©$V B©-


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H$m°_g© hr gw{dYm Oo J«mhH$ éno S>o{~Q> H$mS>© dmnaVmV Ë`m§MogmR>r bdH$aM gwédmV H$aUma Amho. 6. VgoM Amnë`m ~±Ho$Zo "Z°eZb no_|Q> H$m°nm}aoeZ Am°\$ B§{S>`m' (NPCI) ̀ m§À`mgmo~V H$ama Ho$bobm AgyZ Amnë`m ~±Ho$À`m gd© EQ>rE_ H$mS>© YmaH$m§Zm "Z°eZb no_|Q> H$m°nm}aoeZ Am°\$ B§{S>`m' ̀ m§Mo g^mgX d Xþæ`_ g^mgXËd Agboë`m {_iyZ gd© amï´>r`H¥$V, ImOJr, naXoer Am{U ghH$mar Aem EHw$U 446 g^mgX ~±H$m§À`m ̂ maVmVrb 1,98,936 nojm OmñV EQ>rE_Ûmao amoI a¸$_ H$mT>Ê`mMr gw{dYm CnbãY H$éZ XoÊ`mV Ambobr Amho. 7. {dXoer MbZ {d{Z_` ì`dhma - ^maVr` [aPìh© ~±Ho$H$Sy>Z Amnë`m ~±Ho$bm {dXoer MbZ {d{Z_` ì`dhma (Foreign Currecvy

Exchange) AD-II nadmZm A§VJ©V Agbobr gw{dYm ~±Ho$À`m gd© emIm§_YwZ CnbãY Amho. VgoM ~±Ho$À`m bmb~mJ, Vw^}, _wby§S>, KmQ>H$mona d \$moQ>© `m nmM emIm§_YyZ NRE ImVr CKS>Ê`mMr gw{dYm CnbãY Amho. 8. {S>_°Q> godm- ~±Ho$Mo g^mgX d ImVoXma `m§À`m godogmR>r {S>_°Q> godm hr "Z°eZb {gŠ`w[aQ>rO {S>nm°PrQ>ar {b.' (NSDL) ̀ m§À`m_m\©$V XoÊ`mV ̀ oV AmhoV. 9. n°Z H$mS©> {_iÊ`mMr gw{dYm- gÜ`m ~hþVm§er Am{W©H$ ì`dhmam§gmR>r n°Z H$mS©> AgUo Amdí`H$ Agë`m_wio, "`wQ>rAm` n°Z gpìh©g g|Q>a', `m§Mo~amo~a ghH$m`© H$ama H$ê$Z ~±Ho$À`m gd© emIm§§_m\©$V n°Z H$mS©> {_iÊ`mMr gw{dYm CnbãY H$ê$Z XoÊ`mV Ambobr Amho.10. B©-Q>°Šg ̂ aUm gw{dYm- ~±Ho$Zo EMS>rE\$gr ~±H$ d Am`S>r~rAm` ~±H$ `m§À`m~amo~a ghH$m`© H$ama H$ê$Z Amnë`m ~±Ho$À`m ImVoXmamZm BboŠQ´>m°{ZH$ nÕVrZo Am`H$a, godmH$a VgoM _hmamï´> amÁ` _wë`d{Y©V H$a (MVAT) Mm

âUm H$aÊ`mMr gw{dYm CnbãY H$ê$Z {Xbobr Amho.11. EgE_Eg AcQ>© - (SMS ALERT) ~±Ho$À`m ImVoXmamZo ~MV ImVo, Mmbw ImVo, A{YH$f© gdbV ImVo (ODFDR A/c), amoInV ImVo (Cash Credit A/c) ̀ m ImË`m§da amoIrZo, g_memoYZ A§VaU (Transfer) ñdê$nmV Zmdo Pmë`mg Aem àH$maMo ì`dhma SMS Ûmao H$i{dbo OmV AmhoV. Var Á`m g^mgXm§Zr/ImVoXmamZr Amnbo _mo~mB©b Z§~a g§~§{YV emIoV {Xbobo Zgë`mg Ë`m§Zr emIo_Üò Amnbo _mo~mB©b Z§~a boIr AO©mÛmao H$idmdoV OoUoH$éZ gXa gw{dYoMm bm^ KoVm ̀ oB©b. 12. CCTV A§VJ©V gd© emIm g§a{jV - ~±Ho$Mo g^mgX, ImVoXma d J«mhH$ `m§§À`m gwa{jVVogmR>r _w»` H$m`m©c` d ~±Ho$À`m gd© emIm§_Üò CCTV ~g{dÊ`mV Ambobo AmhoV.13. _wÐm§H$ {dH«$s gw{dYm- ~±Ho$À`m bmb~mJ, M|~ya, Vw^}, Eoamobr, Zoéi, Ah_XZJa, Zm{eH$, \$moQ>©, KmQ>H$mona, _wby§S>, H$m§{Xdbr, {eéa (nwUo) `m EHy$U 12 emIm§_YyZ gXa godm nwa{dÊ`mV ̀ oV Amho. ̀ m ì`dgm`mA§VJ©V Ahdmb dfm©V aŠH$_ é. 70.00 bmI BVŠ`m aH$_oÀ`m _wÐm§H$mMr {dH«$s Ho$br AgyZ `mÛmao AmnUmg é. 9.48 bmI BVHo$ A{V[aŠV CËnÞ àmá Pmboobo Amho.14. AmYma g§c¾ ImVo :- ~±Ho$Zo AmYma H$mS©>YmaH$m§gmR>r AmYma g§c¾ ImVo CKS>Ê`mMr gw{dYm ~±Ho$À`m gd© emIm§_Üò CnbãY H$ê$Z XoÊ`mV Amcocr Amho. gXa AmYma g§c¾ ImË`m§_wio, g~§{YV J«mhH$mg emgH$s` gdcV/AZwXmZ ̀ m§Mm \$m`Xm KoVm ̀ oB©c.15. J«mhH$ godoMr d {dH$mgmMr Zdr XmcZo :- 1) Zm|XUrH¥$V ghH$mar g§ñWm d Áòð> ZmJ[aH$m§À`m _wXV R>odrda àMcrV ì`mOXamnojm

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A{YH$ ì`mOXa XoÊ`mV ̀ oV Amho. 2) ~±Ho$À`m dmT>Ë`m ì`dgm`m_Üò Ogo _Zwî`~i Amdí`H$ Amho VerM J«mhH$m§À`m Anojm nyU© H$aÊ`mgmR>r AmYw{ZH$VoMr hr Amdí`H$Vm Amho. ì`dgm`mVrc AmYw{ZH$Vm, J«mhH$m§Mr Anojm, H$m_H$mOmVrc àJë^Vm `m~m~r cjmV KoD$Z ~±Ho$V g§JUH$rH$aUmcm _hÎd {Xco Amho. d H$moAa ~±qH$J ~±Ho$V gwê$ Ho$coco AgyZ, Ë`m_wio Amnë`m gd© emIm EH$_oH§$mer OmoS>ë`m Jocoë`m AmhoV. J«mhH$ Hw$R>ë`mhr emIoVyZ Hw$R>ë`mhr emIoV ì`dhma H$ê$ eH$Vmo. `m ì`{V[aŠV AmYw{ZH$ V§ÌkmZmMmhr ~±Ho$_Üò Imcrcà_mUo Adc§~ H$aÊ`mV Amcocm Amho.CIBIL Mo g^mgXËd - ~±Ho$Zo {g~rcMo g^mgXËd pñdH$maë`m_wio ~±Ho$H$So> ̀ oUmè`m àËòH$ H$O© àH$aUmMr ̀ mo½` N>mZZr hmoÊ`mg _XV hmoVo. H$O©XmamMr ~mOmamVrc nV H$iVo. B§Q>aZoQ> ~±qH$J - nma§nm[aH$ ~±qH$JH$Sy>Z AË`mYw{ZH$ ~±qH$JH$So> nwT>Mo nmD$c åhUOo B§Q>aZoQ> ~±qH$J. B§Q>aZoQ> ~±qH$J `m AË`§V gwa{jV d dmnaÊ`mg gmoß`m gw{dYoÛmao ImVoXmam§Zm ~°cÝg BÝŠdmàr, ImVo CVmam, MoH$~wH$ {dZ§Vr AO©, ~±Ho$À`m {d{dY H$O©© d R>od `moOZm `m§Mr _m{hVr Ë`m§Mo Ka d Am°{\$g_Üò dZ pŠcH$ _Üò B§Q>aZoQ>Ûmao CncãY hmoB©c. éno So>~rQ> H$mS©> - ~±Ho$Zo gd© ~MV d Mmcy ImVoXmam§Zm Z°eZc no_|Q> H$m°nm}aoeZ Am°\$ B§{S>`m ̀ m§MoÛmao Maha Debit

Card Mr gw{dYm CncãY H$ê$Z {Xbobr Amho. `m H$mS©>Ûmao ~±Ho$À`m ImVoXma§mZm Zoh_rà_mUo EQ>rE__YyZ amoI a¸$_ H$mT>Uo `m~amo~aM em°ntJ, aoëdo, {gZo_m, hm°Q>oc ~wH$s¨J, `wQ>rcrQ>r ~rc âUo, nrZ _oca ~XcUo, {_Zr ñQ>oQ>_|Q> `m gw{dYm EH$mM H$mS©>da

CnbãY hmoUma AmhoV. _mo~mB©c ~°qH$J - _mo~mB©c ~±qH$JÛmao ImVoXmam§Zm {_Zr ñQ>oQ>_|Q>, MoH$ ~wH$ {dZ§Vr, \§$S> Q´>mÝg\$a `m gw{dYm cdH$aM CncãY H$ê$Z XoÊ`mMm à`mg Amho. 3) AÞ à{H«$`m CÚmoJm§Mo àH$ën am~{dUogmR>r ~±Ho$H$Sw>Z H$O© KoVboë`m H$O©Xmam§Zm ^maV gaH$maÀ`m _§Ìmb`mH$Sy>Z AZwXmZ {_iÊ`mg nmÌ … ^maV gaH$maÀ`m "{_{ZñQ´>r Am°\$ \y$S> àmogoqgJ B§S>pñQ´>O' ̀ m§Zr Ë`m§À`m _mÝ`Vmàmá ̀ mXrV ~±Ho$Mo Zmd g_m{dï> H$ê$Z KoVbobo Amho. Ë`m§À`m A{YH¥$V `mXrda ~±Ho$Mo Zmd KoVë`mZo Amnbo Oo H$O©Xma {_{ZñQ´>rÀ`m ̀ moOZoZwgma {d{hV AÞ à{H«$`m CÚmoJm§gmR>r àH$ën am~{dVmV, Ë`m§Zm gXa {_{ZñQ´>r H$Sy>Z AZwXmZ {_iy eH$Vo. gXa {dhrV CÚmoJm§Mr `mXr d _m{hVr Ë`m§À`m B©-nmoQ>©b gmB©Q>da CnbãY Amho. gXa CÚmoJm§_Üò "\$io d ^mÁ`m, Xþ½Y ì`dgm`, Hw$¸w$Q>nmbZ, _ÀN>r à{H«$`m ì`dgm` B.' gma»`m CÚmoJm§_Üò Oa à{H«$`m nÜXrVrMm dmna Ho$bm OmV Agob Va Aem CÚm|JmMmhr g_mdoe hmoVmo. Oo H$O©Xma {d{hV AÞ à{H«$`m CÚmoJm§gmR>r àH$ën am~{dV AmhoV, Ë`m§Zm `m `moOZoMm \$m`Xm hmoD$ eH$Vmo.

16. {d_m ì`dgm` :- · ~±Ho$Zo Am`w{d©_m ì`dgm`mgmR>r "^maVr` Am`w{d©_m _hm_§S>i' (LIC) `m§À`m~amo~a H$m°nm}aoQ> EOÝgr g§~§Yr H$ama Ho$bobm AgyZ Ë`m§À`m_m\©$V Am`w{d©å`mÀ`m {d{dY àH$maÀ`m nm°{bgtMr {dH«$s Amnë`m emIm§_YyZ H$aÊ`mV òV Amho. Var ~±Ho$À`m g^mgXm§Zm {dZ§Vr H$aÊ`mV òVo H$s, Amnë`m ZOrH$À`m emIoVyZ darc Am`w{d©_m gw{dYoMm \$m`Xm ¿`mdm.


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Vnerb A§XmOn{ÌV 31.03.2015

àË`j 31.03.2015

àË`j dmT>(%)(31.03.2014 À`m VwbZoV )

A§XmOn{ÌV 31.03.2016

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152461.07275984.90

4540.182488.36

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222172.5392536.54

136301.30260552.81

4571.252167.58

14.57% 13.25% 11.34% 17.49% 7.28%

11.40% 20.82% 0.18%

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INDEPENDENT AUDITORS REPORTstFor the year ended 31 March, 2015

(As required under section 31 of the Banking Regulation Act 1949 and rule 69 of the Maharashtra Co-operative Societies Rules 1961)

To The Members of the Mahanagar Co-Operative Bank Limited

Report on the Financial Statements:We have audited the accompanying financial statements of “The Mahanagar Co-operative Bank Ltd.” Mumbai which comprise the Balance

stSheet as at 31 March, 2015, the Profit and Loss Account of the Bank for the year ended on that date, incorporating the returns of all the Branches and the Head Office of the Bank and summary of significant accounting policies and explanatory information.

Management Responsibility for the Financial Statements:The management is responsible for the preparation of these financial statements in accordance with the Maharashtra State Co-operative Societies Act, 1960 and rules made there under and Banking Regulation Act, 1949 (as applicable). This responsibility includes the design, implementation and maintenance of internal control relevant to the preparation of the financial statements that 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 accordance with the 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 to 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 risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor consider internal control relevant to the bank's preparation and fair presentation of financial statements in order to design audit procedure that are appropriate in the circumstances. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of the accounting estimates made by the management, 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.

Opinion:In our opinion and to the best of our information and according to explanation given to us, the financial statements subject to our comments and observation contained in Audit Memorandum, given the information required by the Maharashtra State Co-operative Societies Act, 1960 and rules made there under in the manner so required and give true and fair view in conformity with the accounting principles generally accepted in India:

sti) In case of Balance Sheet, of the state of affairs of the bank as at 31 March, 2015,ii) In case of the Profit & Loss Account, of the profit for the year ended on that date,

Report on other Legal and Regulatory Matters: The Balance Sheet and Profit and Loss Account have been drawn up in accordance with the provisions of section 29 of the Banking Regulation Act, 1949.

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;

b) In our opinion, proper books of account as required by the Maharashtra Co-operative Societies Act, 1960 have been kept by the Bank, so far as appears from our examination of the those books and proper returns adequate for the purpose of our audit have been received from the branches not visited by us;

c) In our opinion and according to information given to us, there has been no material impropriety or irregularity in the expenditure or in the realization of money due to the bank;

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({XZm§H$ 01/04/2014 Vo {XZm§H$ 31/03/2015 n`ªV)

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dmQ>n Pmcoë`mH$Om©n¡H$s dfm©À`m gwê$dmVrcm òUo Agcoë`m H$Om©Mr aŠH$_

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dfm© AIoaòoUo Agcoë`mH$Om©Mr aŠH$_ ì`mOmgh ({XZm§H$ 31/03/2015AIoa)

òUo H$Om©n¡H$s WH$~mH$s aŠH$_ ì`mOmgh ({XZm§H$31/03/2015AIoa)

eoam.

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g§MmcH$m§Mo ZmVodmB©H$

g§MmbH$ Om{_ZH$s

g§MmcH$ H$_©Mmar

à{V{ZYr

EHw$U

39.54

146.43

32.99

0.00

218.96

5.00

34.46

0.00

0.00

39.46

2.61

6.79

8.81

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18.21

41.93

174.10

24.18

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240.21

0.00

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0.00

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d) To the best of our information and explanation given to us, the transaction of the bank, which have come to our notice have been within the competence of the bank and are in compliance with RBI guidelines;

e) The Balance Sheet and Profit and Loss Account dealt with by this report are in agreement with the books of accounts and are drawn in conformity with provisions of the Act Subject to the following observations:

i) Employee Benefits in respect of Leave En-cashment being Other Long Term Benefits is not valued and accounted for on the basis of Actuarial valuation as required under AS-15 on Employee Benefits but on ad-hoc basis in case of employees due for retirement during next five years. Impact of the same on the profit for the year cannot be ascertained in absence of actuarial report.

ii) Interest on Non Performing Assets (NPA) Accounts amount Rs. 2,92,211/- not reversed by the Bank. Hence, income and in turn profit is overstated to that extent.

For BATLIBOI & PUROHIT Chartered Accountants

(FRN. 101048W)

R. D. Hangekar Partner

Membership No. 30615 Place: MumbaiDate: 30/06/2015


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g§MmbH$ _§S>i gXñ`m§Mr CnpñWVr - gZ 2014-15

17

BALANCE SHEET AS ON 31.03.2015

As on 31.03.201531.03.2014

Rs. Ps.

CAPITAL & LIABILITIES(^m§S>dc Am{U XoUr)

Rs. Ps. Rs. Ps.

1) SHARE CAPITAL

a) Authorised Capital

(A{YH¥$V ^mJ ^m§S>dc)

(10,00,00,000 Shares of Rs. 10/-each)

b) Subscribed & Paid up Capital

(5,76,14,465 Shares of Rs. 10/-each)

(Previous Year 5,02,85,973 Shares of

Rs. 10/- each)

(^aUm d dgyc Pmcoco ^mJ ^m§S>dc)

2) RESERVES AND OTHER FUNDS (ñd{ZYr)

A) RESERVES

a) Statutory Reserve Fund (amIrd {ZYr)

b) Dividend Equilisation Fund

(cm^m§e g_mZrH$aU {ZYr)

c) Building Fund ( Utilised)

(B_maV {ZYr dmnacocm)

d) Building Fund ( Un-utilised)

(B_maV {ZYr Z dmnacocm)

e) Bad & Doubtful Debts Reserve

(~wS>rV d g§e{`V H$O} {ZYr)

f) 7.50% B.D.D.R U/s.36(I)(viia)

(7.50% à_mUo H$c_ 36(1)(viia))

g) Special Reserve U/s.36(I)(viii)

Img {ZYr H$c_ 36(1) à_mUo

h) Development Fund ({dH$mg {ZYr)

I) Investment Fluctuation Reserve

(J§wVdUyH$ MT> CVma {ZYr)

j) Contingencies Prov. against

Dep. in Investment (I.D.R.)

(J§wVdUyH$ Kgmam {ZYrdarc AmH$[ñ_H$ {ZYr)

BALANCE C/F (nwT>rc nmZmda)

1,00,00,00,000.00

57,61,44,650.00

31,86,51,843.50

40,15,000.00

14,35,35,328.00

23,29,85,438.87

50,24,31,781.48

3,94,47,522.09

4,06,55,568.00

25,72,037.07

9,32,05,062.00

2,72,19,564.00

198,08,63,795.01

1,00,00,00,000.00

576,144,650.00

140,47,19,145.01

198,08,63,795.01

1,00,00,00,000.00

502,859,730.00

26,31,89,214.50

40,15,000.00

14,90,33,218.00

13,62,44,782.00

44,99,31,781.48

5,00,69,215.53

3,17,33,568.00

15,72,037.07

9,32,05,062.00

6,99,78,547.00

175,18,32,155.58


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18

As on 31.03.201531.03.2014

Rs. Ps. Rs. Ps. Rs. Ps.

PROPERTIES & ASSETS(_mc_ËVm d qOXJr)

1) CASH (amoH$S>)

Cash in hand and with Reserve Bank of India,

State Bank of India, Maharashtra State

Co.Op. Bank & Dist. Central Co.Op. Banks.

(~±Ho$Vrc amoH$S> {eëcH$, [aPìh© ~±H$ Am°\ B§{S>`m,

ñQ>oQ> ~±H$ Am°\ B§{S>`m, _hmamï´ ñQ>oQ H$mo-Am°n. ~±H$ d

{Oëhm ~±H$m_Yrc ImË`m§darc {eëcH$ )

2) BALANCE WITH OTHER BANKS

(BVa ~±H$mVrc {eëcH$)

a) Current Deposits

(Mmcy ImË`mVrc {eëcH$)

b) Fixed Depoits with S.B.I.

(ñQ>oQ> ~±H$ Am°\ B§{S>`mVrc _wXV R>odr)

3) MONEY AT CALL & SHORT NOTICE

(SBI DFHI LTD.)


112,37,45,513.06

2,84,77,627.84

50,30,000.00

0.00

115,72,53,140.90

139,12,34,779.32

1,97,09,395.19

50,30,000.00

20,00,00,000.00

161,59,74,174.51

139,12,34,779.32

1,97,09,395.19

50,30,000.00

20,00,00,000.00

161,59,74,174.51

31 _mM© 2015 AIoaMo Vmio~§X nÌH$


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19

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As on 31.03.201531.03.2014

Rs. Ps.


Rs. Ps. Rs. Ps.

BALANCE B/F (_mJrc nmZmdéZ)

B) OTHER RESERVES (BVa {ZYr)

a) Charity Fund

(Y_©Xm` {ZYr)

b) Staff Welfare Fund

(H$_©Mmar H$ë`mU {ZYr)

c) Member Welfare Fund

(g^mgX H$ë`mU {ZYr)

d) Contingent Fund

(AmH$pñ_H$ {ZYr)

e) Contingent Provisions against Standard

Assets

(CËV_ qOXJrdarc AmH$pñ_H$ VaVwX)

f) Staff Medical Assistance Fund

(H$_©Mmar d¡ÚH$s` ghmæ` {ZYr)

g) Leave En-cashment Provision

({eëcH$ aOoÀ`m nJmamMr VaVyX)

h) Other Provisions

(BVa VaVyXr)

i) Golden Jubliee Fund

(gwdU© _hmoËgd {ZYr)

j) Provision for Int. Accrued on Standard

Assets

(CËV_ qOXJrdarc ì`mO `oUo VaVyX)

TOTAL FUNDS:- (EHy$U {ZYr)


198,08,63,795.01

15,05,750.00

9,46,454.60

7,19,012.69

82,14,276.83

5,64,50,000.00

20,99,988.00

3,02,62,250.00

3,05,57,510.41

64,13,883.00

2,45,11,401.00

156,63,99,671.54

214,25,44,321.54

198,08,63,795.01

16,16,80,526.53

214,25,44,321.54

175,18,32,155.58

15,05,750.00

6,03,454.60

6,32,512.69

89,62,518.08

5,14,50,000.00

22,65,586.00

1,82,05,419.00

2,20,57,510.41

39,13,883.00

2,45,11,401.00

138,30,80,460.36

188,59,40,190.36


20

As on 31.03.201531.03.2014




4) INVESTMENT (Jw§VdUyH$)

a) Investments in Central & State

Government Securities

(gaH$mar amo»`m_Ü`o Ho$cocr Jw§VdUyH$)

I) Central Government

(H|$Ð gaH$ma)

ii) State Development Loan Bonds

(amÁ` {dH$mg H O© amoIo)

iii) Treasury Bill

(amOH$mof nÌ)

b) Shares in Co-Op. Institution

(ghH$mar g§ñWm§Mo g_^mJ)

c) Fixed Deposits with State & District

Central Co.Op. Bank.

(amÁ` d {Oëhm _Ü`dVu ~±H$o_Yrc _wXV R>odr)

d) Investments in P.S.U. Bonds

(gmd©O{ZH$ úmoÌmVrc Jw§VdUyH )


115,72,53,140.90

458,22,76,608.00

101,13,26,469.00

34,39,46,950.00

16,19,000.00

187,30,73,800.00

5,91,51,190.00

902,86,47,157.90

161,59,74,174.51

377,14,92,508.00

101,31,22,965.00

67,76,38,200.00

16,19,000.00

352,56,00,000.00

5,91,51,190.00

1066,45,98,037.51

161,59,74,174.51

546,22,53,673.00

16,19,000.00

352,56,00,000.00

5,91,51,190.00

1066,45,98,037.51



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21

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As on 31.03.201531.03.2014

Rs. Ps.


Rs. Ps. Rs. Ps.

214,25,44,321.54

1620,62,67,376.81

456,66,61,647.03

118,88,95,137.99

25,54,28,496.90

2,99,429.00

9,37,91,900.00

9,95,409.00

1,03,96,65,061.46

3,73,47,121.88

2553,18,95,901.61


3) DEPOSITS & OTHER A/C’S

a) Term deposits

(_wXV R>odr)

b) Saving Bank Account

(~MV ImVr)

c) Current Account

(Mmcy ImVr)

d) Deposit Matured

(_wXV g§ncoë`m R>odr)

4) BILL SENT FOR COLLECTION BEING

BILLS RECEIVABLE

(dgwcrMr XoUo {~co)

5) BORROWING

(CMc)

1) NABARD Refin under Auto. Refin. Facility

6) BRANCH ADJUSTMENT

(emIm OwidUr)

7) RESERVE FOR OVERDUE INT.

(WH$sV ì`mO {ZYr)

8) INTEREST PAYABLE

(ì`mO XoUo)


214,25,44,321.54

2221,72,52,658.73

2,99,429.00

9,37,91,900.00

9,95,409.00

1,03,96,65,061.46

3,73,47,121.88

2553,18,95,901.61

188,59,40,190.36

1437,74,55,420.36

416,23,65,250.67

108,74,13,259.40

32,79,93,589.76

17,87,611.52

14,06,87,500.00

00.00

89,09,25,819.67

3,57,30,132.13

2291,02,98,773.87


22

As on 31.03.201531.03.2014




5) ADVANCES (H$O©)

a) Short Term Loan (Aën _wXV H$O©)

Short Term Advances

(Overdues Rs. 3236.38 Lacs amount

considered as Bad & Doubtful of Recovery

Rs.752.30 Lacs)

b) Medium Term Loan (_Ü`_ _wXV H$O©)

(i)Secured (Ñí` VmaUmdarc)

(ii)Unsecured (AÑí` VmaUmdarc)



Rs.3123.72 Lacs)

(dgwcrÀ`m ÑïrH$moZmVyZ ~wS>rV d g§e`rV dmQ>Umar

aŠH$_)

c) Long Term Advances ({XK© _wXV H$O©)



Rs.369.92 Lacs)

(dgwcrÀ`m ÑïrH$moZmVyZ ~wS>rV d g§e`rV dmQ>Umar

aŠH$_)

5) INTEREST RECEIVABLE (ì`mO `oUo)

a) Int. Receivable on Advances

b) Int. Receivable on Investment


902,86,47,157.90

4,775,093,559.61

6,132,018,295.77

341,535,442.86

1,456,441,570.72

890,925,819.67

138,496,890.13

2276,31,58,736.66

1066,45,98,037.51

4,95,06,06,090.22

6,75,90,23,421.94

40,76,03,535.55

1,51,28,96,775.52

1,03,96,65,061.46

14,00,06,530.61

2547,43,99,452.81

1066,45,98,037.51

13,63,01,29,823.23

117,96,71,592.07

2547,43,99,452.81



dm

23

dm


As on 31.03.201531.03.2014

Rs. Ps.


Rs. Ps. Rs. Ps.

2553,18,95,901.61

27,63,976.00

8,00,58,875.01

2,05,59,458.90

14,55,00,000.00

3,15,83,891.77

49,62,730.00

2,11,97,575.00

2583,85,22,408.29


8) OTHER LIABILITIES (BVa XoUr)

a) Dividend Payable

(cm^m§e XoUo)

b) Pay Orders

(no Am°S>©g©)

c) Bills Payable

({~c XoUo)

d) Provision for Income Tax

(Am`H$a ^aÊ`mgmR>r VaVyX)

e) Sundry Creditors

({H$aH$moi XoUo)

f) Local Cheques Sent for Collection

(dgwcrgmR>r nmR>dcoco ñWm{ZH$ YZmXoe)

g) Collection Accounts

(Share Capital of Erstwhile Agrasen Urban

Co.Op.Bank Ltd. Pune & Priyadarshini Mahila

Sah. Bank Ltd. Neharu Nagar Kurla)

({do{cZrH$aU Ho$coë`m AJ«goZ A~©Z H$mo-Am°n.~±Ho$Mo d

[à`X{e©Zr _{hcm H$mo-Am°n.~±Ho$Mo dgwc ̂ mJ^m§S>dc)


2553,18,95,901.61

30,66,26,506.68

2583,85,22,408.29

2291,02,98,773.87

25,24,473.00

4,28,81,075.23

2,07,90,737.81

12,45,32,300.00

4,24,39,291.77

71,93,259.00

2,11,97,575.00

2317,18,57,485.68


24

As on 31.03.201531.03.2014




7) BILLS RECEIVABLES BEING

BILLS FOR COLLECTION AS PER

CONTRA

(dgwcrMr `oUo {~co)

8) FIXED ASSETS (H$m`_ _mc_ËVm)

1) OFFICE PREMISES

(H$m`m©c`rZ OmJm Kgmam dOm OmVm)

2) STRONG ROOM

(ñQ>´±mJ ê$_ Kgmam dOm OmVm)

3) CIVIL WORK

(~m§YH$m_ Kgmam dOm OmVm)

4) SAFE FURNITURE & FIXTURES

(©go\$ \${Z©Ma d {\$ŠMg©$Kgmam dOm OmVm)

5) OFFICE EQUIPMENT

(©H$m`m©c`rZ gmYZgm_J«r$Kgmam dOm OmVm)

6) COMPUTER H/W & ACCESSORIES

(©g§JUH$ hmS>©doAa BVa$Kgmam dOm OmVm)

7) LIBRARY BOOKS

(©©$dmMZmc` nwñVHo$)

8) MOTORS AND VEHICLE

(©dmhZo Kgmam dOm OmVm)

BALANCE C/F(nwT>rc nmZmda)

2276,31,58,736.66

17,87,611.52

14,35,35,328.00

77,76,175.00

1,67,50,105.00

7,14,65,933.00

2,69,35,339.00

1,85,21,046.00

1.00

24,74,369.00

2305,24,04,644.18

2547,43,99,452.81

2,99,429.00

13,88,14,284.00

1,01,65,115.00

2,13,37,650.00

7,73,73,210.80

2,97,05,012.20

1,22,55,238.76

1.00

14,58,909.00

2576,58,08,302.57

2547,43,99,452.81

2,99,429.00

13,88,14,284.00

1,01,65,115.00

2,13,37,650.00

7,73,73,210.80

2,97,05,012.20

1,22,55,238.76

1.00

14,58,909.00

2576,58,08,302.57



dm

25

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For M/S BATLIBOI & PUROHITCHARTERED ACCOUNTANTS (FRN NO. 101048W) CA- R.D. HANGEKARParter (M.N. 30615)

P. L. GULVEMANAGER ACCOUNTS

T.B. BHARATI MANAGER AUDIT

PLACE: MUMBAIDATE: 30/06/2015


As on 31.03.201531.03.2014

Rs. Ps.


Rs. Ps. Rs. Ps.

2583,85,22,408.29

0.00

0.00

21,67,58,365.81

2605,52,80,774.10

2317,18,57,485.68

0.00

259.80

21,63,78,747.07

2338,82,36,492.55


10) PROFIT AND LOSS A/C

(Z\$m VmoQ>m ImVo)

a) Deffered Tax Credit (Transitional Effect)

(g§^mì` H$a {ZYr ImVo O_m)

b) Balance of profit as per last balance sheet

(_mJrc dfm©Mm {eëcH$ Z\$m)

c) Profit for the current year

(Mmcy dfm©Mm Z\$m))

TOTAL RUPEES (EHy$U aŠH$_)

2583,85,22,408.29

21,67,58,365.81

2605,52,80,774.10

Contingent Liabilities

10,05,95,701.00 Bank Guarantees 12,64,14,450.00

3,66,90,710.00 Foreign L/C Rec.on 0.00

(Behalf of Constit.)

13,72,86,411.00 Total 12,64,14,450.00

31.03.2014 31.03.2015


26

As on 31.03.201531.03.2014




9) OTHER ASSETS(BVa _mc_ËVm)

a) Income Tax Receivable (TDS)

(Am`H$a naVmdm KoUo)

b) Deposits with BEST, Tel. & BMC

(~oñQ>, Q>o{c\$moZ d _hmZJanm{cH$m {S>nm°{PQ>)

c) Stock of Printing & Stationery

(N>nmB© d coIZ gm{hË`gmR>m)

d) Deposit for acquisition Premises

(OmJogmR>r {Xcocr AZm_V aŠH$_)

e) Software Development

(g§JUH$ gm°âQ>doAa {dH$mg)

f) Deferred Revenue Expenditure

(Stamp Duty)(ñQ>±nS>`wQ>r)

g) Investment Amortisation

h) Deffered Tax Assets

I) Advance Income Tax

(AJ«r_ Am`H$a)

j) DICGC Claim Receivable

k) Sacrifice From Depositors

l) Cost of Acquisition

(Good will of Agrasen bank & Priyadarhini bank)

m) Deferred Gratuity Payment

n) Others (BVa)

10) Branch Adjustment

(emIm OwidUr)

TOTAL RUPEES (EHy$U aŠH$_)

2576,58,08,302.57

28,94,72,471.53

0.00

2605,52,80,774.10

2576,58,08,302.57

16,842,413.00

21,09,808.90

52,26,435.10

2,83,06,363.10

38,91,994.00

5,11,874.00

23,56,052.50

3,10,48,780.85

12,50,00,286.00

1,55,83,249.99

2,34,64,769.84

17,49,189.98

0.00

3,33,81,254.27

0.00

2605,52,80,774.10

S. D. BHOSLEGENERAL MANAGER

N.S. KURHEDIRECTOR

A. R. LAMKHADEVICE-CHAIRMAN

G.S. SHELKECHAIRMAN



dm

27

2305,24,04,644.18

1,68,42,413.00

19,16,418.90

30,36,814.46

2,57,76,713.50

45,44,681.00

1,47,808.00

33,14,297.50

1,44,81,998.78

12,20,99,225.00

1,55,83,249.99

2,34,64,769.84

1,95,08,189.98

32,52,477.60

8,18,03,090.82

59,700.00

2338,82,36,492.55

dm

As on 31.03.201531.03.2014


EXPENDITURE (IM©)

Profit and Loss Account for the year ended 31.03.2015

170,26,18,763.73

122,58,934.63

1,27,52,899.52

31,59,36,680.20

9,99,811.00

9,06,42,041.54

64,52,221.81

3181776.20

1,00,05,675.45

35,42,010.00

21,04,693.00

7,70,000.00

4,74,23,262.62

89,91,661.81

2,32,33,547.85

2,03,12,888.00

2,17,86,685.08

228,30,13,552.44

144,43,99,791.94

1,80,54,409.05

1,24,33,459.31

28,55,00,493.00

8,89,185.00

8,67,09,021.63

59,76,421.76

14,98,215.00

1,03,50,512.30

46,21,024.97

22,99,115.00

7,70,000.00

4,35,04,786.75

93,76,043.68

1,86,17,382.21

1,24,70,762.00

2,20,11,659.14

197,94,82,282.74

1) INTEREST PAID ({Xcoco ì`mO)

a) Interest Paid On Deposits

(R>odrdarc ì`mO)

b) Interest Paid On Borrowings (H$Om©darc ì`mO)

2) Bank Charges, Commission & Brokerage

(~±H$ MmO}g, H${_eZ d Xcmcr)

3) Salaries, Bonus & Allowances

(nJma, ~moZg, ^ËVm)

4) Director Sitting Fees & Allowances

(g§MmcH$ ~¡R>H$ ^ËVm)

5) Rent,Taxes Insur. & Lighting

(^mS>o, H$a, {d_m d drO IM©©)

6) Postage,Telephone and Telegrams

(nmoñQ>oO, Q>o{c\$moZ d Q>o{cJ«m_ IM©)

7) Legal & Professional Charges

(H$m`Xo d ì`dgm` {df`H$ IM©)

8) Printing, Stationery & Advertisement

(N>nmB©, ñQ>oeZar d Om{hamV)

9) Travelling, Fuel & Maintance

(àdmg, B§YZ d OndUyH$ IM©)

10) Audit Fees (boIm VnmgUr \$s)

I) Internal Audit

ii) Statutory Audit

11) Depreciation (Kgmam)

12) Repairs & Maintenance (Xþê$ñVr OndUyH$ IM©)

13) Gunman Security Expenses

(JZ_°Z goŠ`w[aQ>r IM©)

14) Staff Gratuity Expenses (H$_©Mmar CnXmZ {ZYr)

15) Sundry Expenses

({H$aH$moi IM©)


171,48,77,698.36

1,27,52,899.52

31,59,36,680.20

9,99,811.00

9,06,42,041.54

64,52,221.81

31,81,776.20

1,00,05,675.45

35,42,010.00

28,74,693.00

4,74,23,262.62

89,91,661.81

2,32,33,547.85

2,03,12,888.00

2,17,86,685.08

228,30,13,552.44


28

As on 31.03.201531.03.2014


INCOME (CËnÝZ)

31 _mM© 2015 AIoaMo Z\$m-VmoQ>m nÌH$

1) INTEREST & DISCOUNT

(ì`mO d H$ga)

a) Interest Received on Advances

(H$Om©darc {_imcoco ì`mO)

b) Interest Received on Investment

(J§wVdUwH$sdarc {_imcoco ì`mO)

2) Exch.Commission & Brokerage

(dQ>md, h§þS>Umdi d Xcmcr)

3) Lockers Rent Received

(cm°H$a ^mS>o dgwcr)

4) Profit on sale of vehicle

({dH«$s Ho$coë`m dmhZmdarc Z\$m)

5) Profit on sale of Investment

(J§wVdUwH$sdarc Z\$m)

6) Profit on Sale of Assets

(_mc_ËVm {dH«$sdarc Z\$m)

7) Commission on Franking

(\«$±H$sJdarc H${_eZ)

8) Excess Provision in IDR A/c.

(J§wVdUwH Kgmam {ZYr _Yrc OmXm VaVwX.)

9) Other Receipts

(BVa O_m)


256,62,58,634.36

90,74,247.63

55,08,499.80

0.00

7,81,80,156.00

2,03,974.00

9,48,472.00

4,18,00,738.00

5,42,84,466.99

275,62,59,188.78

162,99,26,546.73

61,77,75,548.02

96,65,920.87

44,42,577.28

1,60,999.00

6,89,39,426.00

2,08,141.00

28,79,216.00

7,16,91,808.00

5,80,49,136.54

246,37,39,319.44

179,66,14,775.74

76,96,43,858.62

90,74,247.63

55,08,499.80

0.00

7,81,80,156.00

2,03,974.00

9,48,472.00

4,18,00,738.00

5,42,84,466.99

275,62,59,188.78


dm

29

dm

As on 31.03.201531.03.2014


EXPENDITURE (IM©)

Prot and Loss Account for the year ended 31.03.2015

228,30,13,552.44

27,79,065.00

0.00

1,33,41,510.00

5,25,00,000.00

50,00,000.00

1,55,00,000.00

(1,65,66,782.07)

14,55,00,000.00

89,22,000.00

85,00,000.00

1,77,59,000.00

32,52,477.60

21,67,58,365.81

275,62,59,188.78


16) PROVISIONS & CONTINGENCIES

(VaVwX d AmH$[ñ_H$ {ZYr)

a) Software Exp. Written off

(g§JUH$ gm°âQ>doAa IM©)

b) Contingencies Prov. Against

Dep. In Investment (I.D.R.) (Jw§VdUyH$ KQ> {ZYr)

c) Ammortisation on Investment

(Jw§VdUyH$rdarc A_moaQ>m©`PoeZ)

d) Amt. Provided for Bad & Doubtful Debts.

(~wS>rV d g§e`rV H$O© {ZYr VaVyX)

e) Provision for Standared Asset

(CËV_ qOXJrdarc VaVyX)

f) Leave En-cashment Provision

({eëcH$ aOm VaVyX)

g) Provision for Deffered Tax

(ñW{JV H$a qOXJrdarc VaVyX)

h) Provision for Income Tax

(Am`H$a VaVyX)

I) Special Reserve U/S.36(I)(Viii)

({deof amIrd {ZYr)

j) Other Provision

(BVa VaVyXr)

k) Cost of Merger

(Agrasen & Priyadarshini Bank)

l) Defferred Gratuity Payment

17) Net Profit for the year carried forward to the

Balance Sheet

({eëcH$ Z\$m Vmio~§XmH$S>o dJ©)

TOTAL RUPEES(EHy$U aŠH$_)

228,30,13,552.44

27,79,065.00

0.00

1,33,41,510.00

24,03,66,695.53

21,67,58,365.81

275,62,59,188.78

197,94,82,282.74

21,65,121.00

9,18,75,515.00

1,18,98,557.00

0.00

1,10,00,000.00

87,50,000.00

(1,68,57,679.37)

12,45,32,300.00

82,17,000.00

52,86,000.00

1,77,59,000.00

32,52,476.00

21,63,78,747.07

246,37,39,319.44

For M/S BATLIBOI & PUROHITCHARTERED ACCOUNTANTS (FRN NO. 101048W) CA- R.D. HANGEKARParter (M.N. 30615) P. L. GULVE

MANAGER ACCOUNTS T.B. BHARATI

MANAGER AUDIT

PLACE: MUMBAIDATE: 30/06/2015


30

S. D. BHOSLEGENERAL MANAGER

N.S. KURHEDIRECTOR

A. R. LAMKHADEVICE-CHAIRMAN

G.S. SHELKECHAIRMAN

As on 31.03.201531.03.2014


Profit and Loss Account for the year ended 31.03.2015

246,37,39,319.44

246,37,39,319.44


TOTAL RUPEES(EHy$U aŠH$_)

275,62,59,188.78

275,62,59,188.78

275,62,59,188.78

275,62,59,188.78

INCOME (CËnÝZ)


dm

31

dm

RESERVES AND OTHER FUNDS (amIrd d BVa {ZYr) (amount in Rs)

Sr.No.

Particulars of Funds

5,54,62,629.00

0.00

9,67,40,656.87

0.00

5,25,00,000.00

0.00

89,22,000.00

0.00

10,00,000.00

0.00

3,50,000.00

3,00,000.00

25 00 000.00

0.00

50,00,000.00

0.00

85,00,000.00

30,50,530.00

1,55,00,000.00

0.00

24,98,25,815.87

0.00

54,97,890.00

0.00

0.00

0.00

1,06,21,693.44

0.00

4,27,58,983.00

0.00

0.00

7,000.00

2,13,500.00

0.00

0.00

0.00

1,65,598.00

0.00

37,98,771.25

34,43,169.00

0.00

6,65,06,604.69

31,86,51,843.50

14,35,35,328.00

23,29,85,438.87

40,15,000.00

50,24,31,781.48

3,94,47,522.09

4,06,55,568.00

2,72,19,564.00

25,72,037.07

15,05,750.00

9,46,454.60

7,19,012.69

64,13,883.00

9,32,05,062.00

5,64,50,000.00

20,99,988.00

3,05,57,510.41

82,14,276.83

3,02,62,250.00

2,45,11,401.00

156,63,99,671.54

Opening Bal Credited in Debited in Closing Bal

01.04.2014 2014-15 2014-15 31.03.2015

26,31,89,214.50

14,90,33,218.00

13,62,44,782.00

40,15,000.00

44,99,31,781.48

5,00,69,215.53

3,17,33,568.00

6,99,78,547.00

15,72,037.07

15,05,750.00

6,03,454.60

6,32,512.69

39 13 883.00

9,32,05,062.00

5,14,50,000.00

22,65,586.00

2,20,57,510.41

89,62,518.08

1,82,05,419.00

2,45,11,401.00

138,30,80,460.36

Statutory Reserve Fund

Building Fund Utilized

Building Fund Unutilized

Dividend Equal. Fund

Bad and Doubtful Debts Reserve

7.50% BDDR U/S 36(1)(viii)

Special Reserve U/S 36(I)(vii)

Contingencies Prov. Against Dep. In Investment (I.D.R.)

Development Fund

Charity Fund

Staff Welfare Fund

Member Welfare Fund

Golden Jubilee Fund

Investment Fluctuation Reserve

Contingent Pro. against Standard Assets

Staff Medical assistance fund

Other provision

Contingent Fund

Leave encashment Provision

Provision for accrued int. on standard Assets

Total

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20


32


dm

SIGNIFICANT ACCOUNTING POLICIES:

1 ACCOUNTING CONVENTION: The accompanying financial statements have been prepared following the going concern concept on a historical cost basis under accrual system

of accounting and conform to the generally accepted accounting practices and the applicable statutory provisions prevailing under Maharashtra Co-operative Societies Act,1960 except otherwise stated.

2 USE OF ESTIMATES: The preparation of financial statements, in conformity with generally accepted accounting principles requires the management to make estimates

and assumptions that affect the reported amounts of assets and liabilities, revenues and expenses and disclosure of contingent liabilities at the date of the financial statements. Actual results could differ from these estimates. Management believes that the estimates used in the preparation of the financial statements are prudent and reasonable. Any revision to the accounting estimates are recognised prospectively in the current and future periods.

3 REVENUE RECOGNITION: Income is accounted on accrual basis as and when it is earned except:

(I) Income on Advances classified as Sub-Standard, Doubtful or Loss Assets recognised on realisation. The unrealised interest in these cases is accounted as interest receivable. (ii) Interest on Fixed Income Securities is recognised on accrual basis, in case it is serviced regularly. (iii) Dividend received from shares of Co-operative Institutions is accounted on receipt basis. (iv) Commission on Life & General Insurance is accounted on receipt basis. (v) Guarantee Commission and Locker Rent is accounted for on receipt basis.

4 EXPENDITURE: Expenses are accounted for, in the period for which they are incurred except:

(I) Leave en-cashment and Ex-gratia payable to employees, are accounted on cash basis(ii) Software expenses are amortized over a period of 3 years.(iii) Stamp duty and registration fees paid or payable on agreements of leased premises are amortized over a period of five years and are being

shown under Deferred Revenue Expenditure.

5 SERVICE TAX:Service Tax collected from customers is netted up in the income side. Set-off of Input Cenvat credit is availed at 50% and balance 50% is written off in the Profit & Loss account.

6 INVESTMENTS: (I) Investments portfolio of the Bank is classified, in accordance with Reserve Bank of India guidelines into:

a) Held To Maturity' comprising of investments acquired with the intention to hold them till maturity b) Held for Trading' comprising of investments acquired with the intention to trade. c) Available for Sale' comprising of investment not covered by (a) and (b) above i.e. those which are acquired neither for trading purpose nor for being held till maturity. For disclosure in the Balance Sheet, Investments are classified as under: i. Central and State Government Securities ii. Other Approved Trustee Securities iii. Investment in P.S.U. iv. Share in Co-operative Institutions v. Fixed Deposits with Banks.

SIGNIFICANT ACCOUNTING POLICIES AND NOTES FORMING PART OF ST

THE ACCOUNTS FOR THE YEAR ENDED 31 MARCH, 2015.

33

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(ii) Valuation of Investments is done on the following basis: a) Securities held in 'Held To Maturity' category : At acquisition cost unless it is more than face value in which case the premium is amortized over the period remaining to maturity, unless otherwise directed by RBI. b) Securities held in 'Available for Sale' and 'Held for Trading' category : Valued as per directive issued by RBI from time to time and in line with the methodology suggested by Fixed Income Money Market and Derivatives Association of India (FIMMDA) (iii) Investments in 'Available for Sale' and 'Held for Trading' categories are valued scrip wise and net depreciation is provided for, while net appreciation, if any, is ignored in accordance with RBI guidelines.

(iv) Profit made on sale of securities under Held to Maturity (HTM) Category is first credited to Profit and Loss Account and thereafter transferred to Investment Fluctuation Reserve as an appropriation from the Profit and Loss Account in accordance with RBI guidelines.

(v) Charges of Clearing Corporation of India Limited (CCIL) and Bank Charges at the time of acquisition of securities is recognised as expense whereas broken period interest accrued is not capitalised.

(vi) Investments where principal / interest remained overdue for more than 90 days are classified as Non – performing and provision are made in line with the guidelines of Reserve Bank of India issued from time to time.

7 ADVANCES: (I) Advances are classified into standard, sub-standard, doubtful and loss assets in accordance with the Income Recognition, Assets classification & provisioning norms prescribed by the Reserve Bank of India. (ii) The Bank also makes additional provisioning in the Bad & Doubtful debt Reserve account over and above the specific minimum provisioning

prescribed by RBI as matter of Prudence in certain categories of NPA Accounts. (iii) Provision on Advances categorized under Sub-Standard, Doubtful and Loss Assets is made in accordance with the guidelines issued by the

Reserve Bank of India. In addition a general provision is made on all standard assets as per RBI directives UBD. PCB. Cir. No. 29/09.11.600/2009-10 dated December 08, 2009.

(iv) The overdue interest in respect of NPA advances is provided separately under “Overdue Interest Reserve” as per the directives issued by the Reserve Bank of India.

8 FIXED ASSETS AND DEPRECIATION:

(I) All the fixed assets are stated at their historical cost less accumulated Depreciation. (ii) Depreciation is calculated on straight- Line Method on fixed assets.

(iii) Fixed assets are depreciated / amortised at the rate considered appropriate by the Management as under-

(iv) Depreciation on additions to assets is provided for the full year if the assets are purchased on or before 30th September, at 100% of normal rates and for half year if the assets are purchased after 30th September, at 50% of normal rate. No depreciation is provided in

thcase asset is sold / disposed off before 30 September and depreciation is provided at 50% of normal rate of Depreciation in case asset this sold / disposed of after 30 September.

(v) Fixed Assets which have been fully depreciated but are still in use are carried in the books at Re. 1/-.

Premises

Furniture

Vehicles

Computers and Software Office

Equipments

Strong Room

Civil Works

Assets Rate

5%

10%

20%

33.33%

20%

10%

20%

34


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9 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.

10 STAFF RETIREMENT BENEFITS: (I) Payment of provident fund is made to the commissioner for provident fund at the rate prescribed as per the

employees' provident fund and Misc. Provisions Act 1952 and is accounted for on accrual basis. (ii) The Bank has opted for Group Gratuity Policy from Life Insurance Corporation of India. The annual contribution to the Scheme

has been debited to the Profit and Loss Account. (iii) Provision for Leave En-cashment for Employees due for retirement during next five years is made on ad-hoc basis.

11 TAXATION:

Tax expenses comprise current and deferred tax. Current tax is measured at the amount expected to be paid to the authorities in accordance with Income Tax Act, 1961. Deferred tax reflects the impact of current year timing differences between taxable income and accounting income for the year and reversal of timing differences of earlier years.

Deferred tax is measured based on the tax rate and tax laws enacted or substantially enacted at the balance sheet date. Deferred tax assets are recognized only to the extent that there is reasonable / virtual (as applicable) certainty that sufficient future taxable income will be available against which such deferred tax assets can be realized.

12 TRANSFER OF LONG OUTSTANDING MISCELLANEOUS LIABILITIES:

(I) Special reserve created in accordance with the provision of section 36 (1) (viii) of Income Tax Act is transferred during the year by charging to Profit & Loss Account.

(ii) Dividend remaining unclaimed for 3 years, Entrance fees and Nominal Membership fees outstanding at the year-end is directly credited to Statutory Reserve Fund at the year end in accordance with bye laws of the bank. (iii) Unclaimed amounts of excess cash over one year, & Pay orders, Transit payables, Tender deposits, Clearing differences, Sundry

creditors & others bills payable over three years are transferred to Contingent Fund.

13 PROVISIONS, CONTINGENT LIABILITIES AND CONTINGENT ASSETS:

Provision is recognised when the bank has a present obligation as a result of past events and it is probable that the outflow of resources will be required to settle the obligation and in respect of which reliable estimates can be made. A disclosure for contingent liability is made when there is a possible obligation, which may, but probably will not require an outflow of resources. When there is a possible obligation or a present obligation in respect of which the likelihood of outflow of resources is remote, no provision/ disclosure is made. Contingent assets are not recognised in the financial statements. Provisions and Contingencies are viewed at each balance sheet date and adjusted to reflect the correct management estimates.

NOTES FORMING PART OF THE ACCOUNTS OF THE MAHANAGAR CO-OPERATIVE BANK LTD (hereinafter referred to as the Bank) FOR STTHE YEAR ENDED 31 MARCH, 2015.

1) MERGER OF OTHER CO-OPERATIVE BANKS

The Agrasen Urban Co-operative Bank Ltd:

(I) During the Financial year 2010-2011, the Bank has merged the Erstwhile The Agrasen Urban Co-operative Bank Ltd, Pune w.e.f. 14th February, 2011. Both the banks approached R.B.I for its consent/NOC which was given vide letter dated 9th December,

35

dm

{X _hmZJa H$mo-Am°n.~±H$. {c. _w§~B© (eoS>çwëS> ~±H$)th2010. The bank thereafter approached RBI with Merger Proposal dated 15 September 2009. In response to which RBI vide letter

thdated 18 April 2010 communicated the bank to prepare scheme of merger and due diligence under section 110 A (i) (iv) under thMaharashtra Co-operative Societies Act, 1960. Upon submission of the proposal by the bank on 15 September 2009, RBI vide

thits letter dated 9 December 2010, had issued its sanction/approval in respect of the merger with the support of DICGC. Audit cum Due Diligence of The Agrasen Urban Co-operative Bank Ltd was carried by a firm of Chartered Accountants approved by DICGC.

(ii) In accordance with the “Merger Orders”, the Share Capital of the Erstwhile The Agrasen Urban Co-operative Bank Ltd. on the date of acquisition amounting to Rs. 174.08 Lacs is transferred to Share Collection account for a period of 10 years from the date of merger, which will be repaid in accordance with the terms specified in the aforesaid orders. This amount is disclosed under “Other Liabilities”.

(iii) In accordance with the “Merger Orders” the Cost of Acquisition is determined and certified by the independent external Chartered Accountants which amount to Rs. 800.05 Lacs has been fully amortised upto 31.03.2015. However, total DICGC Claim amounting to Rs. 685.50 Lacs out of which bank has received Rs.529.67 lacs from DICGC during the year 2014; balance DICGC claim receivable is Rs.155.83 lacs as on 31.03.2015 and Sacrifice from Large Depositors amounting to Rs. 234.64 Lacs. As per the R.B.I. Circular No. UBD.PCB Cir. No. 5/09.16.901/2007-08 dated 13.07.07, the bank has written letter to RBI,UBD MRO Mumbai for settlement of remaining claim.

Priyadarshani Mahila Co-operative Bank Ltd, Mumbai:

(i) During the financial year 2011-12 the Bank has merged the Erstwhile Priyadarshani Mahila Co-operative Bank Ltd, Mumbai w.e.f. st31 December, 2011. Consent/NOC was given by RBI vide letter reference UBD.CO.(Merger) No.10931/09.16.901/2010-11

dated 7th June, 2011. Commissioner for Co-operation and Registrar, Co-operative Societies, Maharashtra State, Pune has passed order on 03.11.2011 U/s.110-A of Maharashtra Co-operatives Societies Act, 1960 sanctioning the scheme of amalgamation. Due Diligence Audit of Priyadarshani Mahila Co-operative Bank Ltd was carried by a firm of Chartered Accountants.

(ii) In accordance with the “Merger Orders”, the Share Capital of the Erstwhile Priyadarshani Mahila Co-operative Bank Ltd. on the date of acquisition amounting to Rs. 37,89,250/- is transferred to Share Collection account for a period of 10 years from the date of merger, which will be repaid in accordance with the terms specified in the aforesaid orders. This amount is disclosed under “Other Liabilities”.

(iii) In accordance with the “Merger Orders” the Cost of Acquisition is determined by the Bank, which amounts to Rs.87,80,733.63. As per the R.B.I. Circular No. UBD.PCB Cir. No. 5/09.16.901/2007-08 dated 13.07.07, it is being amortised over a period of 5 years starting with the year of merger. The balance left to be amortised is Rs. 17.49 lacs as on 31.03.2015.

2. Contingent Liabilities:

Since it is Bank, there is no need to disclose the bank guarantees issued & counter guarantees obtained. All Guarantees are collateralized by margins & secured charges.

(i) Income tax matters: The Bank had filed an appeal with CIT (Appeals) 2, Mumbai against the order passed under section 143 (3) of the Income Tax

Act 1961 for disallowing of deduction of Rs.39,24,481 u/s 36 (1) (Vii)(a) for provision for Bad and Doubtful debts claimed by the Bank for the assessment year 2007-08.

However the ACIT has dismissed the above appeal filed by the Bank and confirmed the AO's Demand of Rs.21,51,472.00 by passing an order dated 06/11/2012. Against this order of ACIT, the bank has filed an appeal with ITAT. This matter is sub-judice.

3. Interest on Unclaimed/Matured Fixed deposits during the Financial Year 2014-15 is accounted at the rate applicable to Savings

Bank Accounts in accordance with Circular No. UBD.BPD. (PCB) Cir. No 9/13/01.000/2008-09 dated 01.09.08 issued by the Reserve Bank of India (RBI).

36


dm

37

4. In pursuance of AGM resolution no.07 Dated 09/08/2014, Rs.106.22 Lacks has been written off in the current financial year towards Bad debts.

5. INVESTMENT: a) Fixed Deposits of Rs. 86.80 Crores have been pledged with banks to secure overdraft limit against deposits. b) Fixed Deposits of Rs. 1.00 Crores have been kept as a lien with banks to secure a Letter of Credit c) The following Investments have been transferred from HTM category to AFS category during the year.

d) The following Investments have been transferred from HTM category to HFT category during the year.

e) The following Investments have been transferred from HFT category to AFS category during the year.

Sr.

NO.Particulars of Securities

Date of purchase

Rate purchase

Purchase Price (Book Value)

Face Value (Rs. In Crore)

8.68% Karnataka

SDL 2017

TOTAL

16/01/2014 5.00

5.00

98.8000 49400000.00

49400000.00

1

Sr.


Date of purchase

Rate purchase



8.83% GOI 2023

8.83% GOI 2023

8.83% GOI 2023

TOTAL

10/06/2014

16/06/2014

16/06/201

5.00

5.00

5.00

15.00

102.0800

101.9075

101.5000

51040000.00

50953750.00

50750000.00

152743750.00

1

2

3

Sr.


Date of purchase


Rate purchase


8.97% GOI 2030

8.79% GOI 2021

8.32% GOI 2032

8.30% GOI 2042

8.97% GOI 2030

9.72% Kerala

SDL 2023

9.25% MSDL 2023

9.25% MSDL 2023

8.90% Tamilnadu

SDL 2023

9.50% GSDL 2023

TOTAL

13/08/2013

04/09/2013

10/09/2013

14/10/2013

07/11/2013

29/08/2013

22/10/2013

23/10/2013

04/12/2013

20/05/2014

5.00

5.00

5.00

5.00

5.00

5.00

5.00

5.00

5.00

5.00

50.00

101.7824

100.0000

94.2000

92.6200

98.9000

99.9000

99.9500

99.8500

97.6050

101.4800

50891212.00

50000000.00

47100000.00

46310000.00

49450000.00

49950000.00

49975000.00

49925000.00

48802500.00

50740000.00

493143712.00

1

2

3

4

5

6

7

8

9

10

dm

{X _hmZJa H$mo-Am°n.~±H$. {c. _w§~B© (eoS>çwëS> ~±H$) 6. AS-3 CASH FLOW STATEMENT:

ParticularsAmount

Amount31.03.2015

Amount31.03.2014

A) CASH FLOW FROM OPERATING ACTIVITIE

Net Profit after tax as per profit & Loss A/c

Adjustment to reconcile net income to net cash

provided by operating activities

Depreciation

Merger Loss W/off

Amortisations & provisions

Special Reserve u/s 36(1)(viii)

Provision for BDDR & IDR w/back

Income from Sale on Investments

Working Capital Adjustments

Decrease in Overdue Interest

Increase in Deposits

Increase in Interest Payable

Increase in Branch Adjustment

Increase in Other Labilities

Decrease in Interest Receivable

Increase in Loan & Advances

Increase in Other Assets

Utilisation of Reserves

Income Tax Paid

Net Cash Provided by Opertaing Activities (A)

B) CASH FLOW FROM INVESTMENT ACTIVITIES

Increase in Investments

Increase (Net) in Fixed Assets

Income from Sale of Investment

Net Cash provided by Investment Activites (B)

C) CASH FLOW FROM FINANCING ACTIVITES

Repayment of Loan

Cash Merger

Increase in Share Capital

Dividend Paid

Net Cash Provided by Financing Activites ( C )

CASH GENERATED DURING THE YEAR (A+B+C)

Opening Cash and Cash Equivalent

Closing Cash and Cash equivalent

2163.79

435.05

177.59

118.99

82.17

918.76

689.39

1307.39

36139.48

65.83

-3.89

-258.31

1724.21

19582.51

101.93

1079.24

64324.13

14519.00

222.83

-689.39

14052.44

-468.95

0.00

991.36

668.92

1191.33

79567.90

8712.84

88280.74

79567.90

142151.65

221719.55

2167.58

474.23

177.59

133.42

89.22

418.01

781.80

1487.39

22620.25

16.17

9.35

453.67

1502.49

9250.41

-463.15

665.60

39783.50

13772.30

36.51

-781.80

13027.01

-468.95

0.00

732.85

796.50

1060.40

53870.91

88280.74

142151.65

38


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39

7. AS-6 & AS-10 ACCOUNTING FOR FIXED ASSETS AND DEPRECIATION:

Cost of stamp duty & incidental charges in case of acquisition of premises is capitalised. However in case of Leasehold Premises it is not considered as part of cost but is amortized as deferred revenue expenditure over the period of 5 years.

No Depreciation has been charged on assets acquired on account of merger of The Priyadarshani Mahila Co-operative Bank Ltd., Mumbai as all fixed assets i.e. safe furniture & fixture and computer have been acquired at a nominal value of Re. 1/- as on the date of Acquisition i.e. 31/12/2011.

8. AS-15 Employee Benefits- Gratuity: Bank has taken Group Gratuity Scheme from LIC of India and premium paid during the year of Rs. 203.13 Lacs. As per the R.B.I. Circular UBD.BPD.(PCB)CIR No. 49/09.14.000/2010-11, one-fifth of Rs 162.62 Lacs amounting to Rs. 32.52 Lacs has been fully charged to Profit and Loss Account upto 31.03.2015 .

Rs in Lacs

Sr. No.

Name of Assets W.D.V. as on 31.3.2014

Pur/Add. durring the

Year

Trf. Between Branch

Sale / Deisposal During the

Year

Depreciation During the

Year

Balance as on

31.3.2015

1 2 3 4 5 6 7 8

1

2

3

4

5

6

7

8

9

00

10

00

Office Premises

Strong Room

Civil Work

Deffered Expenses

Safe Furniture & Fixture

Office Equipments

Computers

Motor & Vehicle

Liabrary Books

TOTAL

Software Development

Grand Total

1435.35

77.76

167.50

1.48

714.66

269.36

185.21

24.74

0.00

2876.06

45.45

2921.51

0.00

35.68

114.44

4.65

168.64

136.02

55.18

0.00

0.14

514.75

21.26

536.01

0.00

0.00

0.00

0.00

-0.12

-0.66

0.61

0.00

0.00

-0.17

0.00

-0.17

0.00

0.00

0.00

0.00

0.00

0.20

0.00

0.00

0.00

0.20

0.00

0.20

47.21

11.79

68.56

1.01

109.45

107.47

118.45

10.15

0.14

474.23

27.79

502.02

1388.14

101.65

213.38

5.12

773.73

297.05

122.55

14.59

0.00

2916.21

38.92

2955.13

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40

Sr.

NO.Particulars

(Rs. In Lacs)

Gratuity (Funded)

31.03.2015 31.03.2014

8.00%3.00%

1133.0690.6551.6682.54

(68.35)1289.56

1119.15105.10194.42(68.35)

NIL1350.31

1119.15105.10194.42(68.35)

60.751350.31

NIL

(82.54)NIL

82.5482.54

1289.561350.31

60.7560.75

51.6690.6582.54

(105.10)

1119.75

Principal actuarial assumptions as at balance sheet dateDiscount RateSalary Escalation

Changes in present value of obligationOpening Defined Benefit ObligationInterest CostCurrent Service CostActuarial (Gains) / LossesBenefits paidClosing Defined Benefit Obligation

Changes in fair value of Plan AssetsFair value of Plan Assets at beginning of yearExpected return on Plan AssetsContributionsBenefits paidActuarial gains/(losses)Fair value of Plan Assets at the end of the year

Fair Value of Plan AssetsFair value of Plan Assets at beginning of yearActual return on plan assetsContributionsBenefits paidFunded StatusFair Value of Plan Assets at the end of the yearExcess of Actual over estimate return on plan assets

Actuarial Gain / loss recognizedActuarial (Gain) / loss for the year – ObligationActuarial (Gain) / loss for the year – Plan AssetsActuarial (Gain) / loss for the year – ObligationActuarial (Gain) / loss recognized in the year

Amount to be recognized in Balance Sheet and Profit and loss AccountFair value of Plan Assets as at the end of the yearPresent value of obligation as at the end of the yearFunded StatusNet Asset / (Liability) not recognized in the Balance Sheet

Expenses Recognized in Profit and Loss AccountCurrent Service CostInterest CostNet Actuarial (Gain)/loss recognized in the yearLess- Expected return on Plan assets

Expenses Recognized in Profit and Loss Account

I

II

III

IV

V

VI

VII

8.00%3.00%

925.8674.0739.32

156.24(63.90)

1131.59

969.7190.37

122.96(63.90)

NIL1119.15

969.7190.37

122.96(63.90)(12.44)

1119.15NIL

(156.24)NIL

156.24156.24

1119.151131.59(12.44)(12.44)

39.3274.07

156.24(90.37)

179.25

The disclosure requirement of above as furnished by LIC with respect to Gratuity is as follows:


dm

9. AS-17 SEGMENT REPORTING:

The entire operations of Bank are one composite banking business not liable to different risks & rewards. Consequently in the opinion of the Bank, Accounting Standard-17 on 'Segment Reporting' issued by the Institute of Chartered Accountants of India is not applicable to Bank.

10. AS-18 RELATED PARTIES & DISCLOSURES:

Name of the related parties and their relationship with bank under Accounting Standard-18 issued by the Institute of Chartered Accountants of India.

(I) Subsidiaries : Nil (ii) Associates : Nil

(iii) Key Management Personnel:

11. AS-19 LEASES:

Bank has cancellable operating leases and the disclosures under Accounting Standard-19 on leases issued by ICAI are as under.

Lease rent debited to profit & Loss account in the current year amounting to Rs 404.15 Lacs (P.Y Rs 365.51 Lacs).Future Lease Rent payable is unascertainable due to uncertainty in continuance of Lease Agreement and future rent payment.

The Lease Agreements entered into, pertain to use of premises for the branches. The lease agreements do not have any undue restrictive or onerous clauses other than those normally prevalent in similar agreements regarding use of assets, lease escalations, renewals and a restriction on sub – leases.

12. AS-20 EARNING PER SHARE:-

13. AS- 22 ACCOUNTING FOR TAXES ON INCOME:

a) Application of Accounting Standard-22 'Accounting for Taxes on Income' issued by The Institute of Chartered Accountants of India has been mandatory for the bank.

b) The Bank has complied with deferred tax as required by Accounting Standard-22 on accounting for income tax issued by the Institute of Chartered Accountants of India.

The major components of Deferred Tax Assets / Liabilities (Net) arising on account of timing differences between book profit and taxable profits as at March 31, 2015 are as follows:

Name

Mr.Sanjay D. Bhosle

Designation

General Manager

Period

From 03.06.2012 to till date

Mr. Manjunatha T. Kanchan Chief Officer From 10.12.2014 to till date

2014-15

2167.5852441200.09

4.13

Net Profit After Tax attributable to Equity Shareholders (before appropriation) (Rs. In Lacs)Weighted Average Equity No. of SharesEarning Per Share (Rs.)

Particulars

41

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42

thc) In Pursuant with RBI's Circular No.RBI/2013-14/619 UBD.CO.BPD.PCB.Cir.No.67/ 09.50.001/2013-14 dated 30 May, 2014, the bank has created deferred tax liability on the Special Reserves u/s 36(1)(viii) of the Income Tax Act, 1961.

14. AS-26 INTANGIBLE ASSETS:

Details of computer software and Cost of Acquisitions of The Agrasen Urban Co-operative Bank Ltd, Pune and Priyadarshani Mahila Co-operative Bank Ltd, Mumbai are included in other assets in accordance with Accounting Standard-26 on Intangible Assets issued by the ICAI are as under.

Computer Software:

Cost of Acquisition of The Agrasen Urban Co-operative Bank Ltd, Pune and Priyadarshani Mahila Co-operative Bank Ltd, Mumbai.

15. AS-28 IMPAIRMENT OF ASSETS:As per the Management representation, bank has ascertained that there is no material impairment of any of its assets and as such no provision under Accounting Standard-28 issued by ICAI is required.


Rs. In lacs

45.4521.26

NIL(27.79)

38.92

Opening Balance as on 01.04.2014Additional during the yearDeletion during the yearLess: Depreciation/AmortisedClosing Balance as on 31.03.2015

PARTICULARS

Rs. In lacsPARTICULARS

Opening Balance as on 01.04.2014Additional during the yearDeletion during the yearLess: Depreciation/AmortisedClosing Balance as on 31.03.2015

195.08NILNIL

177.5917.49

(A) DTA on account of :

a) Provision for Advances/BDDR

b) Gratuity Provision

c) Provision for Leave Encashment

d) Depreciation

TOTAL (A)

(B) DTL on account of:

a) Deferred Gratuity payment

b) Special Reserve U/s. 36(1)(viii)(current year & previous year)

TOTAL (B)

NET DEFERRED TAX ASSETS [(A) - (B)]

LAST YEAR ADJUSTMENT

TOTAL

352.60

0.00

58.35

118.27

529.23

9.04

107.86

116.09

412.32

(267.50)

144.82

78.51

0.00

40.99

37.13

156.63

(9.04)

0.00

9.04

165.67

(267.50)

101.83

431.11

0.00

99.34

155.40

685.85

0.00

107.86

125.13

577.99

(267.50)

310.49

PARTICULARSAS ON

31.03.2014DURING2014-15

AS ON31.03.2015


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43

16. AS - 29 PROVISIONS, CONTINGENT LIABILITIES & CONTINGENT ASSETS:Contingent Liabilities on account of Bank Guarantees, Letter of Credit are as follows:

18. OTHER NOTES: I. There have been no fines imposed by Reserve bank of India during the Year. ii. Based on the available information provided by the Bank, there are no outstanding dues towards principal amount or interest

thereon remaining unpaid to any supplier covered under Micro, Small and Medium Enterprises Development Act, 2006 as at the end of the financial year. Further, no interest was due or payable by the Bank to any supplier during the year under the provisions of the said Act.

iii. TDS on Daily Saving Commission Agent is deducted u/s 192 of the Income Tax Act, 1961 vide circular no. F. No 275/25/2007 – rdITB dated 3 March, 2008 of CBDT.

iv. Balances of Debtors and Creditors are subject to confirmations and reconciliations, if any. v. Previous year's figure have been regrouped / rearranged wherever necessary to conform to the layout of the accounts of the

Current Year.

Place : Mumbai Dated : 30.06.2015

(Rs. In Crore)

17. Particulars of Accounts Restructured during the year ended 31/03/2015 (Rs. in Lacs)

These restructured loans have continued to remain in standard category during the year 2014-2015. These restructured loans constituteabout 0.60% of the total advances as at 31-03-2015.

31.03.2014

10.06

3.67

13.73

Bank Guarantees

Foreign Letters of Credit

TOTAL

PARTICULARS 31.03.2015

12.64

0.00

12.64

Standard advances restructured

Sub-Standard advances restructured

Doubtful advances restructured

Total

No. of Borrowers

Amount outstanding

Sacrifice (Diminution in the fair value)

No. of Borrowers

Amount outstanding

Sacrifice(Diminution in the fair value)

No. of Borrowers

Amount outstanding


No. of Borrowers

Amount outstanding


Housing Loans

-

-

-

-

-

-

-

-

-

-

-

-

SME Debt Restructuring

-

-

-

-

-

-

-

-

-

-

-

-

Others

01

815.01

NIL

-

-

-

-

-

-

01

815.01

NIL

(Diminution in the fair value)

(Diminution in the fair value)

MR.S.D. BHOSLE(GENERAL MANAGER)

MR. N.S.KURHE(DIRECTOR)

AS PER OUR REPORT OF EVEN DATE

For M/s. BATLIBOI & PUROHITCHARTERED ACCOUNTANTS.(FRN No.101048W)

(C.A. R.D.Hangekar)PARTNER (M.NO.30615)

MR. P.L. GULVE

(MANAGER ACCOUNTS)

MR. T.B.BHARATI

(MANAGER AUDIT)

MR. A.R. LAMKHADE(VICE-CHAIRMAN)

MR.G.S.SHELKE(CHAIRMAN)

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DISCLOSURE REQUIREMENTS AS PER RBI GUIDELINES (Rs in Lacs)

31.03.2015 31.03.2014

Capital to Risk Asset Ratio (CRAR)A. Tier I RatioB. Tier II Ratio

Movement of CRARA. Tier I CapitalB. Tier II CapitalTotal Tier I + Tier IIC. Risk weighted AssetsValue of Investments are as under:-Government/ Approved Securities (Market Value)Bonds of Public Sector undertakings (Market Value)Other Investments (Market Value)Share in Co-operative Institution (Market Value)Total (Market Value)FACE VALUETOTAL BOOK VALUEAdvances to sensitive sectors Againsta. Housingb. Construction Businessc. Other real estated. Against Share & DebenturesAdvances of Rs.127050.89 Lacs (PreviousYear Rs.107468.38) Shown in the Balance Sheet include. FUND BASED

DirectorsRelatives of DirectorDirectors stands surety

NON FUND BASED Directors Relatives of DirectorAverage cost of DepositsNPAsa. Gross NPAsb. Percentage of Gross NPAs to Total Advancesb. Net NPAsc. Percentage of Net NPAs to Total Advances

Movement in NPAsOpening BalanceAdd: Additions during the year

Less: Closed / Recovered / Written Off Closing Balance

A. Interest income as a percentage of working fund

11.631.35

12.98

14671.611707.79

16379.40126227.20

54270.09604.43

37306.3015.99

92196.8191725.6092536.54

11103.787877.791685.89

0.26

(Rs.)41.93

174.1024.18

00.0000.007.99

8922.646.55%

3503.852.68%

6055.583667.14

800.088922.64

10.26%

11.091.28

12.37

12668.761453.24

14122.00114196.75

56154.00575.67

18781.0415.99

75526.7078300.3478764.24

12509.129228.141651.78

0.26

(Rs.)00.0000.0000.00

00.0000.007.87

6055.584.77%

1055.570.86%

4898.242043.25

885.916055.58

10.00%

ParticularsSr.

1)

2)

3)

4)

5)

6)7)

8)

9)

44


dm

ParticularsSr. 31.03.2015 31.03.2014

10)11)12)

13)

14)

15)

16)

17)

B. Non interest income as a percentage of working FundsC. Gross Profit as a percentage of working fundsD. Return on Asset (Net Profit / Average of working Funds)E. Business (Deposits + Advances) per employee (Rs. in lacs)F. Net Profit per employee (Rs. In lacs)Provision made towards NPA during the yearProvision made towards depreciation in investment during the yearMovement in provisionA. Towards NPAs Opening Balance Add: Additional Provision during the year. Less: Closed/ Recovered / Written Off Closing BalanceB. Towards Depreciation in investment during the year Opening Balance Add: Additional Provision during the year. Less: Recovered Closing BalanceC. Towards Standard Assets Opening Balance Add: Additional Provision during the year. Closing BalanceMovement in Investment Depreciation Reserve Opening Balance Add: Additional Provision during the year. Closing BalanceMovement in Investment Fluctuation Reserve Opening Balance Add: Additional Provision during the year. Appropriations Amount Transfer from IDR Closing BalanceForeign Currency Assets & Liabilities

DICGC Premium paid Upto

Statement of Building Fund as on 31.03.2015Opening Balance of Building Fund (Unutilized)Opening Balance of Building Fund (Utilized) Total Building FundLess:- Utilized upto 31/3/2015 as per Balance Sheet Value (Net)Unutilized Building Fund Balance as on 31/03/2015Utilized Building Fund Balance as on 31/03/2015

0.76%1.83%

0.90%

633.353.83

525.000.00

5000.01525.00106.22

5418.79

699.790.00

427.59272.20

514.5050.00

564.50

699.79(427.59)

272.20

932.050.000.000.00

932.05N.A.

Sep-2015

136244782.00149033218.00285278000.00138814284.00232985438.87143535328.00

0.96%1.68%

1.03%

565.063.740.000.00

5000.010.000.00

5000.01

1160.740.00

460.95699.79

404.50110.00514.50

1160.74(460.95)

699.79

646.280.00

285.770.00

932.05N.A.

Sep-2014

103600712.00153199288.00256800000.00143535328.00136244782.00149033218.00

45

dm


Sr.No.

Particulars Amount

Extent of “Below investment grade”

securities already invested

Extent of “Unrated”

securities, already invested

Extent of “Unlisted”

securities, already invested

1 2 3 4 5 6

PSUs

FI s

Nationalised Banks

Others

Provision held towards depreciation

Total......

3.92

0.00

2.00

2.00

2.0

5.92

0.00

0.00

0.00

0.00

XXX

0.00

0.00

0.00

0.00

0.00

XXX

0.00

1

2

3

4

5

0.00

0.00

0.00

0.00

XXX

0.00

18 Disclosure Regarding Non SLR Investment as on 31.03.2015 I) Issuer Composition of Non-SLR Investments: - Amount (Rs. Crores)

Particulars

II) Non performing Non-SLR investments: -

Amount

Opening Balance

Additions during the year since 1st April

Reductions during the above period

Closing balance

Total provisions held

0.00

0.00

0.00

0.00

0.00

Sr.No.

ParticularsMinimum

Outstanding during the year

As on 31/03/2015

Securities Sold under reposSecurities Purchased under reverse repos

III) Repo/ Reverse Repo transactions:- (Rs. in Crore)

Maximum Outstanding

during the year

Daily Average Outstanding

during the year

19 Depositor Education & Awareness Fund Scheme 2014 :- as on 31-3-2015

Current Year Previous Year

Opening balance of amounts transferred to DEAF

Add: Amounts transferred to DEAF during the year

Less : Amounts reimbursed by DEAF towards claims

Closing balance of amount transferred to DEAF

0.00

13278249.22

0.00

13278249.22

0.00

0.00

0.00

0.00

DATE- 30/06/2015PLACE: MUMBAI- 400 012.

46

MR.S.D. BHOSLE(GENERAL MANAGER)

MR. N.S.KURHE(DIRECTOR)

AS PER OUR REPORT OF EVEN DATE

For M/s. BATLIBOI & PUROHITCHARTERED ACCOUNTANTS.(FRN No.101048W)

(C.A. R.D.Hangekar)PARTNER (M.NO.30615)

MR. P.L. GULVE

(MANAGER ACCOUNTS)

MR. T.B.BHARATI

(MANAGER AUDIT)

MR. A.R. LAMKHADE(VICE-CHAIRMAN)

MR.G.S.SHELKE(CHAIRMAN)


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ANNEXURE: A

NAME OF THE BANK THE MAHANAGAR CO-OP BANK LTD., MUMBAI

Hiramani Super Market, Dr.B.A.Road, Lalbaug, Mumbai-400012

06.10.1973

28.02.1974 ACD MH 34P.

ENTIRE MAHARASHTRA STATE

(As on 31st March 2015)

Head Office: 1

Branches: 60

39+1=40

62137

4894

(Rupees in Lacs)

5761.45

15664.00

45666.62

11888.95

164616.96

132225.26

4076.04

45.09%

29.77%

937.92

0.00

0.00

92536.54

10.96%

2.68%

A

2167.58

566

260552.81

HEAD OFFICE ADDRESS

DATE OF REGISTRATION

DATE & NO.OF R.B.I. LICENCE

JURISDICTION

ITEMS :-

NO.OF BRANCHES

INCLUDING HEAD OFFICE

ATM Center

Membership Regular

Nominal

----

Paid up Share Capital

Total Reserves & Funds

Deposits Saving

Current

Fixed

Advances Secured

Unsecured

Total % of Priority Sector

Total % of Weaker Sector

Borrowing :

NABARD Refinance Under Auto Refinance Facility

MSC Bank (OD against FD)

Others

Investment

Overdues %

NET NPA%

Grade

Profit for the year (2014-2015)

Total Staff

Working Capital (Without Contra)

47

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1992

1993

1994

1995

1996

1997

1998

1999

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

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7

1999

0

2001

3

2076

5

2203

9

2307

4

2455

4

2746

1

2951

6

3129

7

3372

4

3573

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1995

52.2

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