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Balance Sheet as on 31/03/2020

31/03/2019 Liabilities 31/03/2020 31/03/2019 Assets 31/03/2020

Amount ` Amount ` Amount ` Amount ` Amount ` Amount `

80,000,000.00

Authorised Share

Capital 80,000,000.00 29,062,607.67 1. Cash in Hand & ATM 32,102,811.00

( 8,00,000 Shares of

Rs.100/- each )

72,195,312.92 2. Bank Balances 52,387,643.20

50,259,500.00

1. Share Capital Paid

Up (9527) 51,218,700.00 6,831,073.32

1) Satara D.C.C.Bank Ltd.

Satara 3,257,719.32

(512187 Shares of

Rs.100/- each ) 406,209.89

2) State Bank of India (Karad

Tr. & Satara) 203,744.89

630,350.63

3) Maharashtra State Co-

op.Bank Ltd., Mumbai 367,861.16

146,945,717.00 2. Funds 165,293,017.00 64,327,679.08

4) Other Bank (IDBI, Baroda,

HDFC, ICICI, Axis, Union

Bank) 48,558,317.83

34,667,217.00 1) Reserve Fund 38,196,517.00

33,125,500.00 2) Building Fund 37,793,500.00 613,090,742.00 3. Investment 804,764,832.00

60,500,000.00 3) B.D.D.R. 65,753,000.00 330,928,310.00

1) Govt. Securities (Face value

` 36,75,00,000) 362,269,362.00

4,500,000.00

4) Provision against

Standard Assets 4,500,000.00 39,970,000.00

2) Govt.Securities Marked for

Reserve Fund (F.V. `

4,00,00,000) 39,970,000.00

6,800,000.00

5) Investment Fluctuation

Reserve 7,800,000.00 63,913,000.00

3) Govt.Securities Marked for

Other Fund (F.V. `

6,50,00,000) 63,913,000.00

2,253,000.00

6) Investment

Depreciation Reserve 6,000,000.00 9,898,000.00

4) SDL Securities (F.V. `

10,00,00,000) 100,242,000.00

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600,000.00 7) Member Welfare Fund 600,000.00 24,881,432.00 5) Treasury Bill 39,500,470.00

50,000.00 8) Employee Welfare Fund 50,000.00 42,500,000.00

6) Satara D.C.C.Bank

Ltd.,Satara Br.Karad 16,370,000.00

1,800,000.00 9) Special Reserve 1,800,000.00 0.00

7) Maharashtra State Co-

op.Bank Ltd.,Mumbai 15,000,000.00

1,700,000.00

10) Provision for

Unforeseen Losses 1,800,000.00 2,500,000.00 8) IDBI Bank Ltd. Br.Karad 22,500,000.00

550,000.00

11) Provision for

Election Fund 550,000.00 2,500,000.00

9) Union Bank of India

Br.Karad 30,000,000.00

400,000.00

12) Provision for

Member Education Fund 450,000.00 23,500,000.00 10) HDFC Bank Ltd. 13,500,000.00

10,000,000.00 11) ICICI Bank Br. Karad 30,000,000.00

0.00 3. Borrowings 0.00 32,500,000.00

12) TJSB Sahakari Bank

Thane Br. Karad 20,000,000.00

30,000,000.00 13) PMC Bank Br. Kolhapur 30,000,000.00

1,312,254,282.04 4. Deposit 1,439,212,003.49 0.00

14) Liquid Fund (Axix /

Baroda / HDFC) 21,500,000.00

a) Term Deposit

731,679,928.47

1) Individual

Matured- 1,95,04,366.43) 766,267,718.43 6,000.00 4.Investment in Share 6,000.00

160,120,396.00 2) Institution 187,848,463.00 5,000.00

1) Satara D.C.C.Bank

Ltd.,Satara 5,000.00

b) Savings Deposit 1,000.00

2) Maharashtra State Co-

op.Bank Ltd.,Fort, Mumbai 1,000.00

365,000,879.71 1) Individual 429,389,652.80

c) Current Deposit 769,580,124.94 5. Loan & Advances 723,084,351.35

6,849,714.92 1) Individual 4,360,372.84 a) Short Term Loans

48,001,053.38 2) Institution 50,587,897.35 178,798,578.38

1) Secured (Which is

Overdue ` 5,94,925.80) 192,600,962.34

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602,309.56

3) Credit Balance at

Cash Credit 757,899.07 6,369,582.90

2) Unsecured (Which is

Overdue ` 25,873.00) 9,248,216.35

0.00 3) Bills Purchased 0.00

0.00

5.Bills for Collection

(As per Debit Side) 0.00 b) Medium Term Loans

495,436,123.66

1) Secured (Which is

Overdue ` 95,24,457.00) 451,069,210.66

14,157,607.00

6. Overdue Interest

Reserve (OIR) 16,732,857.00 c) Long Term Loans

88,975,840.00

1) Secured (Which is

Overdue ` 1,71,878.00) 70,165,962.00

41,048,753.00

7. Interest Payable on

Deposit 41,312,993.00

30,336,253.00 6. Interest Receivable 31,855,831.00

1,905,490.00 1) Investment 1,832,895.00

8,437,041.00 2) Govt. Securities 9,172,176.00

19,993,722.00 3) Agriculture Loan 20,850,760.00

1,564,665,859.04 Total Tr. to Next Page 1,713,769,570.49 1,514,271,040.53 Total Tr. to Next Page 1,644,201,468.55

Balance Sheet as on 31/03/2020

31/03/2019 Liabilities 31/03/2020 31/03/2019 Assets 31/03/2020

Amount ` Amount ` Amount ` Amount ` Amount ` Amount `

1,564,665,859.04 Total from Previous Page 1,713,769,570.49 1,514,271,040.53 Total from Previous Page 1,644,201,468.55

4,494,672.00

8. Other Liabilities &

Provisions 9,579,445.39 14,157,607.00

7. Overdue Interest Reserve

(OIR) 16,732,857.00

170,008.00 1) Dividend Payable 179,180.00

2,732.00 2) Anamat 75,635.00

0.00 8. Bills Receivable (As per

Credit Side) 0.00

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68,711.00 3) Security Anamat 94,183.00

446,354.00 4) IMPS 277,638.00 0.00 9. Branch Adjustment 0.00

3,279.00 5) Bill Desk A/c 16,038.00

0.00 6) POS A/c 105,599.13 50,902,665.72 10. Fixed Assets 67,305,589.72

0.00 7) Pigmi Agent A/c 3,251,256.00

7,085,452.00 1) Dead Stock, Furniture &

Fixture 6,450,170.00

310,849.00 8) Pay Slip 139,866.00 1,464,925.00 2) Machinery 1,289,760.00

203,691.00 9) Unclaimed Demand Draft 178,958.00

3,097,323.72 3) Computer Hardware &

Software 6,616,126.72

1,430,121.00 10) Sundry Creditors 1,547,644.00 617,327.00 4) Electric Fittings & Fixture 555,592.00

1,205,146.00 11) Employee Bonus Payable 1,333,099.00 1,659,387.00 5) Vehicle 1,302,681.00

467,000.00 12) Audit Fee Payable 517,600.00 35,508,251.00 6) Building 49,621,260.00

142,364.00 13) T.D.S. Payable 119,247.00 1,470,000.00 7) Land 1,470,000.00

22,208.50 14) CGST Payable. 16,559.93

22,208.50 15) SGST Payable. 16,559.93 2,883,695.25 11. Other Assets 6,818,081.63

0.00 16) IGST Payable 1,634.40

750,881.36 1) Stock of Printing &

Stationery 774,547.22

0.00 17) Unrealised Interest on

Investment 1,708,748.00

14,000.00 2) Stock of Stamp (General) 15,800.00

67,730.00 3) Telephone Deposit 67,730.00

0.00 9. Branch Adjustment 0.00 60,956.00 4) M.S.E.B. Deposit 63,105.00

264,887.00

5) Prepaid Insurance

Premium 243,968.66

13,054,477.46 10. Profit 11,708,981.02 876,074.04 6) Dead Stock Advance 3,310,738.08

349.64

1) Previous Year Balance

Profit 2018-19 894.47 12,595.13 7) CGST Receivable RCM 12,595.13

2) Current Profit as per Profit

& Loss 12,595.13 8) SGST Receivable RCM 12,595.13

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19,642,127.82 Profit Before Tax 18,708,086.55 286,582.30 9) CGST Receivable 621,206.25

6,588,000.00 Less Income Tax 7,000,000.00 286,582.30 10) SGST Receivable 621,206.25

13,054,127.82 Profit After Tax 11,708,086.55 27,407.79 11) IGST Receivable 151,150.91

220,760.00 12) T.D.S. Receivable 3,060.00

2,644.20 13) T.D.S. on GST Receivable 4,794.00

11. Contingent Liabilities - 0.00 14) Income Tax Receivable 800,000.00

1. Bank Guarantee

` 20,000/- 0.00 15) ICICI Fastag A/c 115,585.00

2. Deposit Education &

Awareness

Fund (DEAF)

8,92,918/-

1,582,215,008.50 Total 1,735,057,996.90 1,582,215,008.50 Total 1,735,057,996.90

Profit & Loss Account from 01/04/2019 to 31/03/2020

31/03/2019 Expenditure 31/03/2020 31/03/2019 Income 31/03/2020

Amount ` Amount ` Amount ` Amount ` Amount ` Amount `

74,750,109.78 1. Interest Paid 73,938,308.21 146,628,711.59 1. Interest Received 145,587,692.91

74,750,109.78 Interest Paid on Deposit 73,938,308.21 97,918,549.83

Interest Received on Loans &

Advances 92,993,923.13

0.00 Interest Paid on Overdraft 0.00 14,197,763.76 Interest Received on Investment 14,079,644.45

34,412,398.00

Interest Received on Govt.

Securities 38,514,125.33

22,671,012.50 2. Salary & Allowances 25,773,943.00 100,000.00

Profit on Matured of Govt.

Securities (Discount) 0.00

16,228,106.00 Employee Salary Paid 17,736,516.00

1,807,962.00

Employee Provident Fund

Contribution 1,987,968.00 408,128.54 2. Commission Received 112,817.26

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773,687.00 Employee Gratuity 1,403,674.00

1,247,729.00

Employee Bonus & Ex-

gratia 1,333,099.00 2,306,865.48 3. Other Income 3,268,152.40

148,000.00

Employee Medical

Allowance 152,000.00

83,605.00 Employee Training 119,441.00 558,000.00 4. Profit on Sale of Govt. Securities 1,237,283.00

539,283.50 Employee Welfare 593,336.00

1,393,140.00 Employee Leave Salary 1,737,909.00

449,500.00 Employee Incentives 710,000.00

458,565.00

3. Director Meeting

Allowance 437,695.00

5,856,583.64

4.Rent,Tax,Insurance &

Electrical 6,418,671.60

2,088,584.00 Bank Office Rent 1,879,908.00

2,500.00 Bank Professional Tax 2,500.00

317,629.76 CGST 589,956.13

317,629.76 SGST 589,956.13

26,955.00 IGST 17,378.60

1,616,959.50 Bank Insurance/DICGC 1,695,846.66

1,266,903.62 Electrical 1,414,898.08

219,422.00 Municipal Tax 228,228.00

4,900.00 5. Legal 17,900.00

45,849.41 6. Postage & Telephone 527,385.09

12,655.00 Postage 31,127.00

33,194.41 Telephone 496,258.09

498,396.00 7. Audit Fee 577,563.00

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10,617,786.10

8. Depreciation &

Maintenance 10,893,241.28

8,222,787.00 Depreciation 10,123,478.00

1,677,102.60 Computer Maintenance 425,948.16

717,896.50 Maintenance 343,815.12

114,903,202.43 Total Tr. to Next Page 118,584,707.18 149,901,705.61 Total Tr. to Next Page 150,205,945.57

Profit & Loss Account from 01/04/2019 to 31/03/2020

31/03/2019 Expenditure 31/03/2020 31/03/2019 Income 31/03/2020

Amount ` Amount ` Amount ` Amount ` Amount ` Amount `

114,903,202.43 Total from Previous Page 118,584,707.18 149,901,705.61 Total from Previous Page 150,205,945.57

567,899.56

9. Printing, Stationery &

Advertisement 568,303.58

27,494.61 Printing 48,451.84

130,704.79 Computer Stationery 180,264.12

188,309.68 Stationery 135,155.48

221,390.48 Advertisement 204,432.14

2,988,475.80 10. Other 3,344,848.26

948,921.00 Pigmy Commission 715,144.00

486,910.80 Miscellaneous 549,420.81

958,664.00 Office Travelling 1,093,052.00

54,000.00 Contribution to Co-op.

Institution 72,415.00

203,894.00 Annual General Meeting 245,586.00

165,500.00 Consultant Fee 168,900.00

37,647.00 News Paper 51,937.00

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99,391.00 Premium Paid on Govt.

Securities 103,231.00

25,000.00 Donation 260,000.00

7,198.00 Other Charges on Loan 73,408.00

1,350.00 License Fees 3,975.00

0.00 ATM Charges A/c. 7,779.45

11,800,000.00 11. Provision 9,000,000.00

11,800,000.00 Provision for B.D.D.R. 5,253,000.00

0.00

Provision for Investment Dep.

Reserve 3,747,000.00

6,588,000.00 12. Income Tax 7,000,000.00

13,054,127.82 13. Net Profit after Tax 11,708,086.55

149,901,705.61 Total 150,205,945.57 149,901,705.61 Total 150,205,945.57

{d{dY aoemoO (à_mUHo$)

Sr. No. Standard Ratio 31.03.2019 31.03.2020 1 na\$m°a_Ýg aoemo

gamgar R>odrMo gamgar IoiË`m ^m§S>dbmer à_mU 80 Vo 85% 84.98% 84.27% gamgar H$Om©Mo gamgar IoiË`m ^m§S>dbmer à_mU {H$‘mZ 65% 49.95% 46.01%% gamgar {e„H$ a¸$_oMo Zº$ _wXV d Xo`Voer à_mU {H$‘mZ 4% 4.49% 4.30% BVa _mb_ÎmoMo gamgar IoiË`m ^m§S>dbmer à_mU {H$‘mZ 6% 0.19% 0.42% na\$m°a_Ýg aoemo

BVa XoUrMo gamgar IoiË`m ^m§S>dbmer à_mU 2 Vo 3% 0.29% 0.59% H$anwd© Zâ`mMo gamgar IoiË`m ^m§S>dbmer à_mU {H$‘mZ 1% 1.28% 1.15% H$anwd© Zâ`mMo _wº$ {ZYrer à_mU {H$‘mZ 15% 10.80% 9.18% g§ñWm R>odrMo EHy$U R>odrer à_mU H$‘mb 40% 12.20% 13.05%

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^m§S>db n`m©áVm à_mU {H$‘mZ 9% 19.74% 20.68% gamgar H$Om©Mo gamgar R>odrer à_mU H$‘mb 70% 58.78% 54.60%

S>oãQ Q>y>> B©¹$³rQ>r aoemo (~m°amoB©ª½OMo {ZYrer à_mU) H$‘mb 20% 7.47% 7.31% 2 R>odrVrb g_m{dð> KQ>H$ EHy$U Mmby d ~MV R>odrMo EHy$U R>odrer à_mU {H$‘mZ 35% 32.04% 33.71%

_wXV R>odrMo EHy$U R>odrer à_mU 65% 67.96% 66.29% 3 dmT> Xe©{dUmao aoemo R>od ImVo g§» o_Yrb dmT> 15% -1.97% -0.57%

H$O© ImVo g§» o_Yrb dmT> 15% -3.90% -4.06% gamgar R>odr _Yrb dmT> 25% -3.07% 4.73% gamgar H$Om© _Yrb dmT> 25% -5.08% -2.72%

4 Z\$m pñWVr Xe©dUmao aoemo àVr ^mJ Z\$m 25.95 22.87

{Zìdi Zâ`mMo EHy$U CËnÞmer à_mU {H$‘mZ 8.30% 8.71% 7.79% EHy$U CËnÞmMo gamgar IoiË`m ^m§S>dbmer à_mU 11% 9.75% 9.25% EHy$U CËnÞmMo gamgar R>odrer à_mU 12% 11.47% 10.98% H$Om©darb {_imboë`m ì`mOmMo gamgar H$Om©er à_mU 12.75% 12.45% Jw§VdUyH$sdarb {_imboë`m ì`mOmMo gamgar Jw§VdUyH$ser à_mU 7.64% 7.22% ì`mO CËnÞmMo gamgar H$O© d gamgar Jw§VdUyH$ser à_mU 10.43% 9.86% ì`mO CËnÞmMo gamgar R>odrer à_mU 12% 11.22% 10.64% ì`mO a¸$_ Xwamì`mMo gamgar IoiË`m ^m§S>dbmer à_mU 2.50% 4.67% 4.41% T>mo~i Zâ`mMo gamgar IoiË`m ^m§S>dbmer à_mU 4.89% 4.70% T>mo~i Zâ`mMo gamgar _mb_Îmoer à_mU {H$‘mZ 1.50% 2.04% 1.71%

5 IM© _wë`m§H$Z Xe©dUmao aoemo àemgH$s` IMm©Mo gamgar IoiË`m ^m§S>dbmer à_mU 7.70% 7.54%

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àemgH$s` IMm©Moo EHy$U CËnÞmer à_mU 85% 79.03% 81.55% godH$ IMm©Mo EHy$U CËnÞmer à_mU 10 Vo 12.50% 15.12% 17.16% godH$ IMm©Mo gamgar IoiË`m ^m§S>dbmer à_mU 1% 1.47% 1.59% àemgH$s` IMm©Mo gamgar R>odrer à_mU 10% 9.07% 8.95% godH$ IMm©Mo gamgar R>odrer à_mU 1.25% 1.74% 1.88%

R>odrdarb {Xbobo ì`mOmMo EHy$U CËnÞmer à_mU 55% 49.87% 49.22% R>odrdarb {Xbobo ì`mOmMo gamgar R>odrer à_mU 7% 5.72% 5.40% EHy$U VaVwXtMo EHy$U CËnÞmer à_mU 5% 12.27% 10.62% Zº$ ì`mOXwamì`mMo à_mU 3.50% 5.11% 4.73% H$m°ñQ> Qy> BZH$_ aoemo H$‘mb 50% 58.16% 63.67%

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àVr godH$ gamgar R>od a¸$_ 143.59 157.29 àVr godH$ H$O© ImVo g§»`m 43 44 àVr godH$ gamgar H$O© a¸$_ 84.40 85.88 àVr godH$ R>od d H$O© ImVo g§»`m 771 801 àVr godH$ ì`dgm` 227.99 243.17 àVr godH$ Z\$m 1.43 1.35

7 _mb_Îmm dJuH$aU EHy$U WH$~mH$sMo EHy$U H$Om©er à_mU 1.37% 1.43%

T>mo~i AZwCËnmXrV _mb_Îmm 1.32% 1.64% {Zìdi AZwCËnmXrV _mb_Îmm 10% 0% 0% g§e`rV d ~wS>rV {ZYrMo EHy$U H$Om©er à_mU 1% 7.86% 9.40%

8 BVa aoemo Q>m¶a I ^m§S>dbMo Q>m¶a II ^m§S>dber à‘mU Above 1.5 : 1 7.55 6.52

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H$ìhaoO aoemo (B³¹$sQ>r - ZoQ> EZ.nr.E. / EH$y$U ‘mb‘ËÎmm) Above 8% 11.83% 12.55%

[añH$doQ> A°goQ> darb naVmdm Above 1.75% 2.67% 2.51% BVa CËnZmMo àemgH$s¶ IMm©er à‘mU Above 60% 7.49% 9.51% [aQ>oZ A{ZªJMo {Zìdi Zâ¶mer à‘mU Above 70% 69.75% 67.91%

R>od d {ZYrMo EH$y$U ‘mb‘ËÎmoer à‘mU Above 95% 95.72% 97.03%

ZoQ>dW©Mo gamgar IoiVo ^m§S>dbmer à‘mU 10.74% 12.76% àmoìhrOZ H$ìhaoO aoemo (~rS>rS>rAmaMo J«m°g EZnrE er à‘mU) 593.78% 572.15%

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{X.31.03.20

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{X.31.03.21 AIoa

1 R>odrdarb {Xbobo ì`mO 75,000,000.00 73,938,308.21 1,061,691.79 0 73,500,000.00

2 godH$ nJma, ~moZg d ñQ>m\$ àm°.\§$S> 27,000,000.00 25,773,943.00 1,226,057.00 0 27,500,000.00

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3 g§MmbH$ ^Îmm 500,000.00 437,695.00 62,305.00 0 500,000.00

4 Am°\$sg ^mS>o d H$a 2,500,000.00 2,108,136.00 391,864.00 0 2,000,000.00

5 gpìh©g Q>°³g d OrEgQ>r 1,400,000.00 1,199,790.86 200,209.14 0 1,200,000.00

*6 {d_m 1,900,000.00 1,695,846.66 204,153.34 0 2,000,000.00

7 BboŠQ—>rH$ IM© 1,500,000.00 1,414,898.08 85,101.92 0 1,600,000.00

8 nmoñQ>oO d Q>o{b\$moZ IM© 400,000.00 527,385.09 0 127,385.09 600,000.00

9 Am°S>rQ> \$s 600,000.00 577,563.00 22,437.00 0 750,000.00

10 PrO d H$m°åß wQ>a XoI^mb IM© 13,500,000.00 10,893,241.28 2,606,758.72 0 13,000,000.00

11 N>nmB© d ñQ>oeZar IM© 500,000.00 363,871.44 136,128.56 0 450,000.00

12 Om{hamV IM© 250,000.00 204,432.14 45,567.86 0 250,000.00

13 {n½_r H${_eZ 1,000,000.00 715,144.00 284,856.00 0 850,000.00

14 {H$aH$moi IM© BVa IM© 650,000.00 686,520.26 0 36,520.26 700,000.00

15 g_ma§ IM© 100,000.00 0 100,000.00 0 50,000.00

16 Am°\$sg àdmg d B§YZ IM© 1,100,000.00 1,093,052.00 6,948.00 0 1,200,000.00

*17 ghH$mar g§ñWm§Mr dJ©Ur 100,000.00 72,415.00 27,585.00 0 100,000.00

*18 dm{f©H$ gd©gmYmaU g^m IM© 300,000.00 245,586.00 54,414.00 0 300,000.00

19 g„mJma d dH$sb g„m \$s 200,000.00 186,800.00 13,200.00 0 100,000.00

20 emgH$s` amo»`mdarb {à{_`_ 150,000.00 103,231.00 46,769.00 0 150,000.00

21 ghH$mar g§ñWm H$m°Ý\$aÝg IM© 50,000.00 0 50,000.00 0 50,000.00

22 XoUJr 0 260,000.00 0 260,000.00 117,000.00

*23 EZ.nr.E. VaVyX 7,000,000.00 7,500,000.00 0 500,000.00 7,500,000.00

24 Jw§VdUyH$ Kgmam VaVyX (IDR) 0 1,500,000.00 0 1,500,000.00 1,500,000.00

*25 Am`H$a 7,600,000.00 7,000,000.00 600,000.00 0 7,500,000.00

26 Z\$m 13,500,000.00 11,708,086.55 1,791,913.45 0 12,500,000.00

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EHy$U - 156,800,000.00 150,205,945.57 9,017,959.78 2,423,905.35 155,967,000.00

A§.Z CËnÞmMm Vnerb _§Owa {V‘mhr ~OoQ> àË`j CËnÞ KQ> dmT> _§Owa ~OoQ>

{X.31.03.20

AIoa {X. 31.03.20

AIoa {X.31.03.21 AIoa

1 H$Om©darb O_m ì`mO 103,400,000.00 92,993,923.13 10,406,076.87 0 96,092,000.00 2 Jw§VdUyH$sdarb O_m ì`mO 49,000,000.00 52,593,769.78 0 3,593,769.78 52,125,000.00 3 emg.H$O©amoIo {dH«$sVrb Z’$m 0 1,237,283.00 0 1,237,283.00 2,500,000.00 4 {_imbobo H${_eZ 800,000.00 112,817.26 687,182.74 0 450,000.00 5 BVa CËnÞ 3,600,000.00 3,268,152.40 331,847.60 0 4,800,000.00

EHy$U - 156,800,000.00 150,205,945.57 11,425,107.21 4,831,052.78 155,967,000.00

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1) R>odrda {Xbobob ì`mO - R>odrdarb ì`mOmMo H°$bŠ wboeZ H$aVmZm 31 _mM© 2021 AIoa hmoUmè`m EHy$U R>odr _mJrb VrZ df©m§À`m dmT> {dMmamV KoD$Z ê$.150.00 bmI amhVrb d gamgar 140.00 bmI amhVrb Ago J¥hrV Yê$Z H$m°ñQ> Am°\$ {S>nm°PrQ> 5.25 % amhrb Ago J¥hrV Yê$Z ì`mO H$mT>bo Amho. 2) godH$ nJma IM© - gXa IMm©Mo ~OoQ> V`ma H$aVmZm _mM© 2020 Mm nJma J¥hrV Yê$Z dm{f©H$ nJma 181.00 bmI d Ë`mda 8.33% à_mUo ~moZg ê$.14.00 bmI, J«°À wB©Q>r ê$.15.00 bmI, aOm nJma ê$.18.00 bmI, àm°.\§$S> ê$. 22.00 bmI, d BVa ê$.25.00 bmI Aer EH${ÌV a¸$_ H$mT>br Amho. 3)Am°{\$g ^mS>o d H$a - `m Am{W©H$ dfm©V ^mS>odmT> bmJw AmgUmèæ¶m emIm AmoJbodmS>r, nwgogmdir ¶m§Mr hmoUmar dm{f©H$ ^mS>o dmT> .ê$. 0.19 bmI {dMmamV KoVbr Amho. 4) PrO d XoI^mb - `m Am{W©H$ dfm©V ~±Ho$Mr 3 H°$e [agm¶H$b ‘{eZ Q>rE_ _{eZ ê$.18.00 bmI , emIm ‘gwa {~ëS>tJ(b°ÝS>gh) d ’${Z©Ma é.70.00 bmI VgoM emIm C§~«O ’${Z©Ma é.20.00 bmI, emIm a{h‘Vnya ’${Z©Ma ê$.20.00 bmI d ‘w»¶mb¶ {~ëS>tJ ê$.56.00 bmI VgoM gr~rEg Jw§VdUwH$ é.25.00 bmI Aer EH$ÌrV é.209.00 bmI ^m§S>dbr Jw§VdUyH$ J¥hrV Yê$Z Ë`mda hmoUmar PrO d nwduMr PrO `mMm {dMma H$ê$Z EH${ÌV a¸$_ H$mT>br Amho. 5) BVa IM© - BVa gd© IM©m Mo ~OoQ> H$mT>VmZm _mJrb dfm©nojm WmoS>r dmT> {dMmamV KoD$Z Ë`m IMm©_Ü o Á`m Ë`m à_mUmV dmT> H$ê$ ~OoQ> V`ma Ho$bo Amho. 6)H$Om©darb d Jw§VdUwH$sdarb ì`mO - gXaMo ~OoQ> V`ma H$aVmZm 31 _mM© 2021 AIoa EHy$U H$O© ê$.80.00 H$moQ>r d Jw§VdUyH$ ê$.71.00 H$moQ>r amhrb. VgoM gamgar H$Om©da (ê$.78.00 H$moQ>r) {_iUmao {¶ëS>> 12.20% d gamgar Jw§VdUwH$sMo (ê$.70.00 H$moQ>r) 6.95% J¥hrV Yê$Z ~OoQ> H$mT>bo Amho.

23 2020 15

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2020-21 2019-20

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H«$‘m§H$ 4

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Sr.

No.

Bye law

Serial No.

Original

draft

Draft after amendment Reason of amendment

1.

39. A

Board of Management - The Board of Directors shall appoint members of Board of

Management who fulfill the “Fit and proper” criteria specified by

Act/Rules/ Byelaw/RBI guidelines.

Objective & Functions of Board Of Management – The Board Of

Management shall discharge all responsibilities assigned by the

Board Of Directors. The powers of Board Of Management are as per

provision of Law/Rules/ RBI guidelines.

The BOM will provide expert advice in respect of Investment,

Recommends loan proposals, suggest actions for recovery,

suggesting measures for strong internal control/check, assisting in

finding various areas of risks & suggestion for elimination of such

types of risks etc. The BOM also help to redress complainants

received by the bank.

Constitution of BOM- Board of Director will appoint minimum

five and maximum twelve BOM members who shall perform

executive as well as supervisory role. The maximum 50% members

of the BOM will be allowed from Board. The minimum two members

of BOM should be from outside the Board members. The first Board

of Management will be constituted after getting approval of

amendment of byelaws by Registrar of co-operative societies.

Qualification of BOM – The Board of Management shall possess a

special Knowledge and particle experience in the field of banking and

other fields specified by Law/Rules/RBI guidelines.

The Meetings of BOM – The meeting of Board of Management will

be held as per need. The Chairman of Board of Management will be

either elected by BOM themselves or by the Board of Directors. The

RBI instructed urban co-

operative banks to constitute

Board Of Management by RBI

Circular No. DoR (PCB).BPD.

Cir. No.8/ 12.05.002/2019-20

dated December 31, 2019.

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2.

50.A

Chairman of the Bank will be never elected as a Chairman of Board

of Management. No person will be eligible as a member of Board of

Management if he disqualify being the member of Board of Director.

Proceeding – The bank will maintain the separate proceeding of

minutes of the meeting of the Board of Management. It will be

maintain in electronic format as well as in hard copy format.

Quorum of BOM- The quorum of the meeting of Board of

Management will be 2/3 members of the total members of the Board

of Management if the total members is a fraction, it should be rounded

on the upper side and such rounded figure will be treated as quorum

of the meeting.

Tenure of BOM- The tenure of Board Of Management will be till

the tenure of Board Of Directors.

Sitting fee- The sitting fee of the Board Of Management will be

decided by the Board Of Directors.

Vacancy of Board Of Management – In case of any vacancy of

Board Of Management, the Board Of Director will appoint new

member as per provision of Law/Rules/bye-laws.

Power of RBI in respect of BOM-The RBI will have power to

remove any member of Board Of Management or whole BOM of the

bank if found not functioning as per guidelines of RBI/ provisions of

Law/Rules. The Board of Directors will appoint new member of

Board of Management within three months from the date of removal

of respective one.

Qualification of Chief Executive Officer-The Board Of Directors

Shall appoint Chief Executive Officer as per “Fit and proper “criteria

prescribed by RBI .The appointment of CEO will be subject to

approval of RBI. The CEO will be responsible for day to affairs of

the bank. The Chief Executive officer will have executive powers

15/3

2019-20

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which are delegated by Board Of Directors. The Chief Executive

officer will be the ex-officio member of Board Of Directors/Board of

Management/ various committees. The Chief Executive Officer will

be full time paid employee of the bank.

The RBI will have power to remove CEO of the bank if found not

functioning as per guidelines of RBI/ provisions of Law/Rules. The

Board of Directors will appoint new CEO within three months from

the date of removal of previous CEO. darbà‘mUo nmoQ>{Z¶‘ XþéñVr ‘gwÚmg ‘§Owar XoUoV Ambr.

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