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Transcript of te VtElttlmtegtjt ftu-ytuvthuxeJt ctukf jte., mtwh;t.
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(F.Y. 2019-2020)
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"te VtElttlmtegtjt ftu-ytuvthuxeJt ctukf jte., mtwh;t.
Annexure EAUDITOR'S REPORT
To,The Members,The Financial Co. Op. Bank Ltd. Surat.
We have been appointed as Statutory Auditors of the bank by Registrar of Co. Op. Society vide letter no. Ashan/2460/J-4/871/2019 dated 17/06/2019. We have carried out the statutory audit for the bank on the basis of information provided to us from time to time. We have verified Balance Sheet, Profit and Loss Account and books of accounts and we report as under:
1. The administrative committee of the bank has conducted the working of the bank as per bye-laws and also the provisions of Co-operative Laws/Rules. The Board of Directors has followed the Rules and Regulations.
2. The administrative committee of the bank has carried out the working of the bank in accordance with circulars / resolutions / instructions of RBI given from time to time.
3. The books of accounts and accounting system are maintained as required under provisions of Co-operative Laws and also instruction of RBI.
4. Bank Balance Sheet and profit and loss reflects true and fair view of the bank's financial position as on 31.03.2020 and profit for the year ended on the above date subject to our auditor's report bhag-2 and also our following qualifications:
a) During the year the bank has not provided income-tax provisions as per the ICAI AS no. 22 and inflating profit for the current year by Rs. 99,18,890/- and Reserve & Surplus fund is inflated to that extent.
b) The bank shown interest income gratuity from LIC of Rs. 8,93,439/- in current year under other income head of Profit and loss account which is income of staff gratuity fund with LIC for the current financial year, henceforth Net Profit is inflated by Rs. 8,93,439/- and reserve and surplus fund is inflated to that extent.
c) Bank has not recognised the Deferred Tax Asset / Liability arising due to timing difference between accounting income and Tax Income resulting in to Non compliances Accounting Standard - 22 “Accounting for Taxes on Income” issued by the Institute of Chartered Accountants of India.
Independent Auditor's Report
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Due to above qualification it is not possible to ascertain the impact of the same of net profit of the bank.
5. Bank has properly maintained SLR and CRR standards.
6. The Bank has made proper classification of NPAs and provisions for the same as per RBI Guidelines.
7. Bank has granted loan to the members of Board of directors and their relatives. The balance outstanding as on 31.03.2020 is of Rs. 20.50 lacs and there is no overdue amount.
8. As per Information given to us, Directors or Office Executives are not disqualified for
their position under the bye-laws of the Bank or the provisions of Co-operative Laws/Rules.
9. As per Information given to us, Cases of One-Time Settlement of Advances and Set-off of Deposits are not observed during the audit period.
10. As per information & explanation provided to us, the bank has not written off any due and there is no compromise in respect of outstanding due and hence the guidelines issued by R.B.I and Co-op Act are not applicable.
11. There is no any settlement and compromise through court during the year.
Place: Surat Date: 23/06/2020
SOPARIWALA & CO Chartered Accountants
Partner CA Nicky D. Sopariwala
M No 140537FRN No. 132643W
Penal No. 298ICAI UDIN: 20140537AAAACR4919
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I. OVERVIEW:
a. Basis of Preparation
The accompanying financial statements have been prepared under the historical basis and confirm,
in all material aspects, to Generally Accepted Accounting Principles (GAAP) in India, which
comprise the statutory provisions, guidelines of regulatory authorities - Reserve Bank of India (RBI),
accounting standards/ guidance notes issued by the Institute of Chartered Accountants of India
(ICAI), and the practices prevalent in the banking industry in India.
b. Use of Estimate
The preparation of the financial statements, in conformity with generally accepted accounting
principles, requires management to make estimates and assumptions that affect the reported amounts
of assets and liabilities, revenues and expenses and disclosure of contingent liabilities at the financial
statements. Management believes that the estimates used in the preparation of the financial
statements are prudent and reasonable. Any revisions to the accounting estimates are recognized
prospectively.
II. SIGNIFICANT ACCOUNTING POLICIES:
a. Accounting Convention
The financial statements are drawn up keeping in mind the historical cost and going concern concept
and in accordance with generally accepted accounting principles and practices prevailing in the co-
operative banks in India except otherwise stated.
b. Revenue Recognition
Income & expenditure are accounted on accrual basis, except otherwise stated below.
· Interest income is recognized as it accrues except in the case of non- performing assets, where it is
recognized on realization basis, as per Income Reorganization norms of RBI.
· Recovery in NPAs is first appropriated towards expenses and interest and the balance if any towards
principal.
· When the borrower accounts becomes regular and remains Standard in six Months Period, the
account is upgraded and reclassified as standard account.
· Legal Expenses in case of Suit Filed Accounts is charged to profit and loss account and separate
control account is being maintained. Such amount when recovered is treated as income.
· Dividend on investments is accounted in the year of receipt.
· Interest provision on matured FD is made at Saving Bank interest rate i.e. 3.50% as per the
instructions from RBI.
· Commission exchange is recognized as income on receipt basis.
F.Y. 31-03-2020NOTES FORMING PART OF THE
PROFIT AND LOSS AND BALANCESHEET FOR THE YEAR ENDED ON 31-03-2020 AS ON EVEN DATE
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c. Investment
The entire investment portfolio of the bank is classified in accordance with the RBI guidelines, into
following three categories:
· Held till maturity comprising of investments acquired with the intention to hold them till maturity.
· Held for trading comprising of investment acquired with the intention to trade.
· Available for sale comprising of investment which are not classified as above.
· Investments have been further classified under five groups as required under RBI guild lines-
Central/State Government securities, other approved securities, shares in co-op. institution, other
investment with Financial Institution and other Investment with PSUs for the purpose of discourse in
the Balance Sheet.
· Mutual funds instruments are valued at market rate or repurchase price or net asset value in that
order depending in their availability.
· Valuation of investment: long term investment classified as “Held for Maturity” are stated at
acquisition cost, unless it is more than face value, in which case the premium is amortized over the
period remaining to maturity
d. Advances
· Advances are stated net of recovery in suit filed.
· Advances are classified into standard, sub-standard, doubtful and loss assets inaccordance with the
IRAC guidelines issued by the Reserve Bank of India.
· Provision for standard, sub-standard, doubtful and loss assets are made in accordance with the IRAC
guidelines issued by the Reserve Bank of India.
e. Fixed Assets & Deprecation
· All the tangible fixed assets have been stated at cost comprises the purchase price and attributable
cost of bringing the assets to its working condition for its intended.
· The carrying amounts are reviewed at each Balance-sheet date to access whether they are record in
excess of their recoverable amounts and where carrying values exceed this estimated recoverable
amount, assets are written down to their recoverable amount.
· Fixed assets held for disposal have been stated at the lower of cost or net realizable value and shown
separately in the financial statements. Any expected loss is recognized immediately in the profit and
loss statement.
· Depreciation on fixed assets purchased during the year is charged full year, if the asset is purchased
and retained for 180 days or more, otherwise it is charged at 50% of normal rate. No depreciation is
provided on the fixed assets sold and/or discarded during the year. All fixed assets are shown at Net
block.
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Sr. No. Name of the Assets Method Rate of Depreciation
1. Property WDV 10.00 %
2. Furniture and Fixtures WDV 10.00%
3. Vehicle WDV 15.00%
4. Electrical and Electronic Equipment WDV 10.00%
5. Computer SLM 40.00%
· Impairment of Assets: At each balance Sheet, the bank assets whether there is any indication that an
assets may be impaired. If any indication exists, the recoverable amount of the assets is estimated. An
impairment loss is recognized immediately, whenever the carrying amount of an asset exceed its
recoverable amount. The recoverable amount is greater of net selling price and value in use. In
accessing value in use, estimated future cash flows are discounted to their present value based on
appropriate discount factor.
f. Employee benefits
Retirement benefits are provided for in the books on the accrual basis in the following manner.
· Provident Funds: On accrual basis.
· Gratuity Fund: The bank has defined contribution plans for post employment benefit in forms of
Provident Fund. Bank has made contribution to LIC of India and RS.50.86 Lacs charged to profit
and loss account.
· Leave encashment: The bank has defined contribution plans for post employment benefit in forms
of leave encashment. Bank has made contribution to LIC of India and RS.5.40 Lacs charged to profit
and loss account.
g. Provisions, Contingent liabilities & Contingent Assets
· Provisions are recognized only when there is a present obligation as a result of past events and when a
reliable estimate of the amount of obligation can be made. Contingent Liability is disclosed for (i)
Possible obligation which will be confirmed only by future events not wholly within the control of the
bank or (ii) Present obligations arising from past events where it is not probable that an outflow of
resources will be required to settle the obligation ora reliable estimate of the amount of the obligation
cannot be made. Contingent assets are not recognized in the financial statements.
h. Accounting for Taxation
· Current Tax: The bank does not provide provision for taxation in the books of accounts. However,
the advance tax for current year or self-assessment tax for earlier year paid during the year has been
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shown as appropriation of profit. This practice followed by bank is not in accordance with AS 22.
· Deferred Tax: Deferred tax asset/ liability arising due to timing difference between the accounting
income and tax income that originate in one period and are capable of reversed in one or more
subsequent periods is not recognized which is contrary to AS 22.
i. Reserve Fund and Other Reserves
As per the requirements of the Gujarat State Cooperative Act&relevant provisions of bye laws of the
bank, the net profit have been appropriated in Annual General Body meeting of the Bank to statutory
reserve and other reserve.
j. Segment Information
The entire operation of the bank is one composite banking business not liable to different risks and
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 the bank.
k. Bank has not complied with following Accounting Standard issued by Institute of Chartered
Accountants of India.
Accounting Standard 3 “Cash Flow Statement”
Accounting Standard 10 “Accounting for Fixed Assets”
Accounting Standard 18 “Related Party Disclouser”
III NOTES TO ACCOUNTS :
(1) Depreciation:
Depreciation charges in Profit and Loss statement is Rs.11.22 Lacs.
(2) Accounting for Taxes on Income:
The bank does not adopt accounting policy (AS-22) in respect of provision for taxation and also not
creating DTA/DTL.
(3) Advances:
· Balances under the head “Advances”, “Deposits” and other accounts (Liability) are subjects to
reconciliation and confirmation of customers.
· Classification of advances covered by book debts is reported under the head “Advances Secured
by tangible assets” as per RBI guidelines.
· Bank has achieved priority sector advances of 70.60% against the target of 40% while in case of
advances to weaker section it is 37.64% of total advance of Priority Sector Advances.
· Required provision for standard assets has been made by the bank as per RBI guidelines.
(5) Contingent Liability
· Contingent Liability is NIL
(6) Income Tax:
A. Advances Tax of Rs. 95,00,000/- paid during the year.
B. TDS of Rs. 17,40,087/- paid for the current year.st
(7) Inter branch accounts and inter banks account are reconciled up to 31 March 2020 and no
provision is required to be made in respect of items outstanding therein.
(8) Fixed Deposits of Rs. 11,02,24,079 includes Rs. 1,00,00,000 under lien with other banks for
various banking arrangements.
(9) In the opinion of the board the current assets, loans and advances are approximately of the value
stated if realized in the ordinary course of business. The provisions for all known liabilities are
adequate.
(10) The bank does not pay any remuneration to any of its directors in terms of Reserve bank of
India's circular dated 29.03.2013.
(11) Previous figures are regrouped and rearranged wherever consider necessary.
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SOPARIWALA & CO
Chartered Accountants
Partner
CA Nicky D. Sopariwala
M No 140537
FRN No. 132643W
Penal No. 298
ICAI UDIN: 20140537AAAACR4919
Place: Surat .
Date: 23/06/2020
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[i] Capital to Risk Weight Asset Ratio (CRAR) : 80.59%
[ii] Movement of CRAR :
Previous year( As on 31.03.2019) 58.95 %
Current year ( As on 31.03.2020) 80.59 %
[iii] Investments : SLR
(Rs.in lacs)
Book Value of Face value of Market value of
Investments Investments Investments
3944.34 4140.00 4196.22
· Issuer Composition of Non SLR Investments :
(Rs. In Crore)
No. Issuer Amount Extent of Extent of Extent of
'below 'unrated 'unlisted
investment Securities' Securities'
grade
Securities'
(1) (2) (3) (4) (5) (6)
1 PSUs - - - -
2 FIs - - -
3 Public Sector Banks 11.02 - - -
4 Mutual Funds 6.40 - - -
5 Others 0.00051 - 0.00051
6 Provision held towards Depreciation 0.19 -
· Non-performing Non SLR Investment :
Particulars Amount
(Rs. In Crore)
Opening Balance Nil st Addition during the year since 1 April Nil
Reduction during the above period Nil
Closing Balance Nil
Total Provisions held Nil
Disclosure of Information
Ref : RBI Circular No. UBD.CO.BPD.(PCB) Cir No. 52/12.05.001/2013-14, Dated 25.03.2014
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[iv] Advance against Real Estate, Construction Business and Housing : Rs.1038.35[v] Advance against Shares &Debentures : Nil[vi] Advance to Directors, their relatives, companies/firms
in which theyare interested :(a) Fund Based Rs.20.50 Lacs(b) Non-fund Based( Guarantees, L/C etc.) Nil
[vii] Cost of Deposit :Average cost of Deposits : 3.43%[viii] NPAs : (a) Gross NPAs Rs 54.61 Lacs & % 1.69%
(b) Net NPAs 0.00[ix] Movement in NPAs :
NPAs Movement As on 31.03.2020 As on 31.03.2019 Gross NPAs 54.61 82.81
Net NPAs 0.00 0.00
[x] Profitability : (a) Interest income as a percentage of working funds 8.28% (b) Non-interest income as percentage of working funds 4.68% (c) Operating profit as percentage of working funds 2.37% (d) Return on Assets 4.89% (e) Business per employee Rs.150.44 (f) Profit per employee Rs.8.74
[xi] Provisions made : (a) Towards NPAs Rs. 330.57 (b) Towards Depreciation on investment Rs. 19.12 (c) Towards Standard Assets Rs. 35.07[xii] Movement in provisions : (Rs. In lacs) Provisions Movement As on 31.03.2020 As on 31.03.2019 Towards NPAs 330.57 309.20
Towards Depreciation on investments 19.12 19.12
Towards Standard Assets 35.07 35.07
[xiii] Foreign currency assets &liabilities : Not applicable[xiv] Payment of DICGC Insurance Premium :
During the year bank has regularly paid Insurance Premium on Deposits to DICGC as per norms prescribed by the Reserve Bank of India.
[xv] Penalty imposed by RBI: During the year, there is no penalty imposed by RBI to the Bank.[xvi] Restructured Accounts : Nil (Rs.in lacs)
Particulars of Account Restructured Housing SME Debt Others Loan Restructuring
Standard Name of Borrowers Nil Nil Nil Advances Amount Outstanding Nil Nil Nil Restructured Sacrifice (diminution in the fair value) Nil Nil Nil Sub Standard Name of Borrowers Nil Nil Nil Advances Amount Outstanding Nil Nil Nil Restructured Sacrifice (diminution in the fair value) Nil Nil Nil Doubtful Name of Borrowers Nil Nil Nil Advances Amount Outstanding Nil Nil Nil Restructured Sacrifice (diminution in the fair value) Nil Nil Nil Name of Borrowers Nil Nil Nil Total Amount Outstanding Nil Nil Nil Sacrifice (diminution in the fair value) Nil Nil Nil
[xvii] Fixed Assets Valuation / Revaluation : During the period under present Audit for the year ending on 31.03.2020, the Bank has Not
revalued any asset and there is no change in method of calculation of depreciation.[xviii] Unclaimed liabilities (amount transferred to DEAF) : (Ref.Cir.No. DBOD.No. DEAF Cell.BC.114/30.01.002/2013-14 dated 27.05.2014)
(Rs. in Crore) Previous Year Current Year
Opening Balance of amounts transferred to DEAF 10.94 11.88
Add : Amounts transferred to DEAF during the year 0.94 11.55
Less : Amounts reimbursed by DEAF towards claims 0.00 0.09
Closing balance of amounts transferred to DEAF 11.88 23.35
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Place :Surat Date : 23/06/2020
For, SOPARIWALA & Co. Chartered Accountants
PARTNER
C.A. Nicky D. Sopariwala M No 140537
FRN No. 132643W Panel No.298
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;tlt-btlt-"tlt:te mttatJte jte"ttu Au. yt mtbtgt 'hbgttlt ytvtKtt vt{;gtuf fbtoattheyu V[lxjttElt Jtturhgth y:tto;t
ytdtjte nhtuGltt gttu}tlte Ctqrbtft CtsJte Au. ;tubtKtu y;gtk;t mtkgtbtvtqJtof, "tehs yltu mtntltwCtqr;tvtqJtof ftbt fgtwo
Au.
Ctth;tlte ;tbttbt mtnfthe ctukftubttk dtwsht;tlte mtnfthe ctukftubttk dtwsht;tltt mtnfthe ctukrfkdt Htu*tu yt
Jtir#f gtw} 'hrbtgttlt lttltt yltu bt"gtbtJtdtoltt bttKtmttulttu ctnt'whevtqJtof mtt:t ytvte ;tultu Cttkdte vtz;tt yxftJgttu
Au. dtwsht;t yt;btrltCtoh mtntgt gttusltt yk;tdto;t ytvtKte ctukfu jtdtCtdt 162 Wvthtk;t jttCtt:teoytultu ~t.
2,83,38,000 Wvthtk;tlte hfbtltwk r"thtKt vtq~k vttzeltu A friend in need, is a friend indeed lte Wrf;t
mttate XhtJte Au.
btk'eltt bttntujtbttk y:to;tk*tltu dtr;tNtejt ctlttJtJttlte yu bttuxe EaAtNtrf;t mttbttlgt bttltJte fu su
y:to;tk*tlttu Ftqct s bttuxtu yt"tth Au, ;tubtlte ytJtf ctbtKte fhJttlte atujtuls yltu vttkat bttuxe ytr:tof btntmt@tt:te
(14)
"te VtElttlmtegtjt ftu-ytuvthuxeJt ctukf jte., mtwh;t.
ytdtG "tvttJtJttlte atujtuls Jtaatu ytJtfJtuhtltt 'h Dtxtzeltu ytvtKte sqlte bttkdtKte mJtefthtE Au.
btltu sKttJt;ttk ytltk' Au fu fulYegt ctsux 2020 bttk mtnfthe Htu*tlte bttkdtKte ytvtKte hsqyt;ttultt
vtrhKttbtu mtk;ttuMttE Au. mtti vt{:tbt ftu-ytuvthurxJt mtufxhltt fhJtuhtltt 'h DtxtzJttlte bttkdtKte n;te ;tu 33Ù bttk:te
22Ù mJtefth fhe ytvtKtltu mtk;ttuMt ytvgttu Au.
dt{tnf mtuJttltu vt{t"ttlgt &
ctukfu ;tulte m:ttvtltt:te s dt{tnf mtuJttltu Ftwct s vt{t"ttlgt ytvgtwk Au. Lzvte yltu ftgtoHtbt mtuJttytu vtqhe
vttzJttlttu ytvtKttu mt;t;t vt{gttmt dtGtftvt nrhVtEbttk VG'tgte vtqhJtth :tgttu Au.
yt"twrltf xuflttujttuB &
ytvtKte ctukflte nuz yturVmt yltu ct{tkattu JtMttuo:te xujteVtult jteL jttElt:te mtkfGtgtujte ntugt ftuE vtKt
ct{tkatbttk:te ytvtKtt dt{tnftu ;tubtltwk ctukrfkdt ftgto fh;tt ytJgtt Au.
dtgtt JtMttuobttk xufTlttujttuB yvtdt{uzuNtlt «tht ytvtKte ctukfu lteatu btwsctltt ftgto_bttu ybtjtbttk btwfe dt{tnftulte
mtdtJtztubttk Jt"tthtu fgttuo Au.
(1) RTGS «tht Ctth;tlte ftuE vtKt ctukfbttk:te ftuE vtKt ctukfbttk Vkz x[tlmtVh :tE Ntfu Au. sulttu jttCt
ytvtKtt dt{tnftu bttuxt vt{bttKtbttk jtE hÏt Au.
(2) CORE BANKING SOLUTION (CBS) yltu Cheque Truncation System(CTS)
«tht atufltwk r³jtgthekdt Elxhltux «tht :ttgt Au.
(3) DBTL / ABNPS mfebt & dtumt mtctmteze Ftt;tu'thtultt Ftt;ttbttk ztgthufx sbtt :ttgt ;tuJte mtdtJtz
ytvtKte ctukf vtwhe vttzu Au. sulttu jttCt jtuJtt bttxu mtCttmt'tultu yltwhtu"t fhJttbttk ytJtu Au.
(4) xe.ze.yumt., B.yumt.xe. ;t:tt btemtftujt yujtxolte mtdtJtz (sultt «tht Ftt;tu'th ftuEvtKt mtbtgtu
vttu;ttltt Ftt;ttltwk ctukf ctujtulmt SKte NtfNtu.)
ctukf «tht Nt~ fhJttbttk ytJtujt bttucttEjt ctukrfkdt mtuJttlttu jttCt dt{tnfltu rJtltt btqjgtu ytvtJttbttk ytJtu Au.
sultt «tht vttu;ttltt fhkx Ftt;tt rJtNtu bttrn;te bttucttEjt vth SMS :te ytvtJttbttk ytJtu Au. yltu mxuxbtulx Email
Address vth mtqatltt btwsct bttufjtJttbttk ytJtu Au. ytvtKte ctukflte bttucttEjt yuvt «tht vttu;ttltt bttucttEjtbttks
Ftt;ttlte rJtdt;ttu SuE Ntftgt Au. yltu nJtu ATM ftzolte mtwrJt"tt Wvtjtc"t fhJttbttk ytJte Au. ;t:tt IMPS ;t:tt
(15)
"te VtElttlmtegtjt ftu-ytuvthuxeJt ctukf jte., mtwh;t.
bttucttEjt:te lttKttk x[tlmtVh :ttgt yuJte mtwrJt"tt attjtw fhe Au.
ctukfekdt JgtJtnthtu mtkvtqKto vtth'Ntof;tt:te rJtftmt &
ytvtKte ctukfu, ctukfltt Ftt;tu'thtu mtt:tultt JgtJtnthtu mtkvtqKto vtth'Ntof ctlttJgtt Au. ftuE Awvtt attBomt
WDthtJtJttbttk ytJt;tt lt:te. ;tbttbt attBomt fu ftgtoJttne yuf'bt vtth'Ntof htFtJttbttk ytJtu Au yltu vtmtolttjttELz
mtuJttytu ytvtJttbttk ytJtu Au. yt:te ytvtKte ctukflttu dt{tnf Jtdto rJtfmte hÏtu Au, mttatt y:tobttk fneyu ;ttu ctukfltt
dt{tnf s cteS dt{tnfltu jttJtu Au su ytvtKtu bttxu FthuFth ytltk' ;t:tt dttihJtlte Jtt;t Au.
:ttvtKttubttk ytvtKte attjtw :ttvtKtltwk vt{bttKt Ftqct s W;mttnvt{uhf hÏwk Au ;tultwk fthKt Au mtJto Jgttvtthe
btntslttu, dt{tnftu yltu mttulttbttk mtwdtk"t~vt mt't nmt;tt ;Jthe;t mtuJttytu ytvt;tt ybttht mxtV rbt*ttu subtltt:te
ytvtKtt dt{tnftu mtkvtqKto mtk;ttuMt yltwCtJtu Au.
ytvtKtt :ttvtKt'thlte ~t. 5 jttFt mtw"telte ;tbttbt :ttvtKt Deposit Insurance & Credit
Guarantee Corporation «tht Jtebtt:te mtkvtqKto mtwhHte;t Au. ytvtKte ctukf ;thV:te 31 bttato 2020
mtw"teltwk Jtebtt vt{erbtgtbt ~t. 4,23,733/- ;tt. 23-10-2019 ltt htus atqfJttE dtgtwk Au. sulte LuhtuHt ftuvte
yt ynuJttjtbttk mttbtujt Au ;tubts ;tt. 30 mtvxubcth 2020 mtw"teltwk rvt{btegtbt ~t. 4,31,511/- ;tt. 11-05-
2020 ltt htus atwfJtujt Au. sultwk ctejt mttbtujt Au. (vtuEs ltkcth & 30)
N.P.A. :
btultusbtulx ;thV:te mtkvtqKto ;tfu'the yltu mtFt;t ykfwNtltu fthKtu zqct;t yltu Ntfbtk' jtuKtt bttxu ;tt. 31-03-
2020 mtw"te ~t. 3,30,56,914/- ltwk rhLJto Vkz Au yltu ;tt. 31-03-20 ltt htus vtqht :t;tt JtMtoltt ltVtbttk:te
~t. 67,03,200/- lte SudtJttE :t;tt fwjt ~t. 3,97,60,114/- lte SudtJttE Au. ytvtKttu dt{tumt yult. vte. yu.
ytkf ~t. 54.61 jttFt (1.69Ù) yltu ltux yult. vte. yu. ytkf 0Ù Au. yltu heLJto ctukf ytuV Elzegttltt mtqatlttu
btwsct mtk;ttuMtvt{' yltu bttlgt btgtto'tlte lteatu Au.
ytkfztfegt bttrn;te &
yt mtt:tu ;tt. 31-03-2019 yltu 31-03-2020 ltt htus vtqht :t;ttk JtMttuolttk ytkfztytulte ;twjtltt
yltu ltVtlte VtGJtKte vttltt ltk. (28) vth ytvte Au. 2016 'hbgttlt lttuxctk"te, 2017bttk Byumtxe ;t:tt
2019bttk ftuhtulttltu fthKtu Jgttvtth W$tudt vth bttXe ymth :tE Au. sultt fthKtu ctulfekdt JgtJtnthtu Wvth DtKte
ymth :tE Au. yltu ftvtz W$tudt ;t:tt ylgt DtKtt JgtJtmttgtbttk ytJtfltt vt{bttKtbttk ymthtu 'uFttgt Au. mttbttlgt he;tu
(16)
"te VtElttlmtegtjt ftu-ytuvthuxeJt ctukf jte., mtwh;t.
ctulfekdt JgtJtmttgtbttk Jtt;ttJthKt rlt~;mttnmtCth hÏwk.
r"thtKt &
sKttJt;tt ytltk' :ttgt Au fu r"thtKt vth Jgttsltt 'h cteB ctukftulte mthFttbtKtebttk DtKttk ytuAtk htFgtt Au.
Jgttsltt 'hlte rJtdt;t Aujjtt vttltt vth sKttJte Au. bttltJtk;tt mtCttmt'CttE ;t:tt dt{tnf mtbtw'tgtltu yt W'th
mtdtJtz;ttlttu jttCt jtuJtt ytdt{nCthe rJtltk;te Au.
rzrJtzlz &
ftuJtez-19 vtulzubtef mtkSudttu ltu "gttltbttk htFteltu heLoJt ctukfu mtJtuo yctolt ftu.ytu.ctukftultu zeJtezlz lt
atqfJtJtt bttxu mtqatltt ytvtujt Au.
heLJto ctukf ytuV Erlzgttltt ;tt. 17-04-2020 ltt mthfgtwjth ltk. RBI/2019-20-218
DOR.BP.BC NO. 64/21.02.067/2019-20 yltwmtth fturJtz-19 :te WCte :tgtujt yattu²mt vtrhm:te;teltu
fthKtu ctukftu bttxu ;tubtlte btqze SGJtJtt s~he sKtt;tt ylgt mtqatlttytu lt btGu ;gttk mtw"te ctukftu ;tubtltt JtMto 2019-
20 ltt ltVtbttk:te zeJtezlz atqfJte NtfNtu ltne. yt rltgtk*tKt Wvth heLJto ctukf «tht ctukftultt mtvxubcth-2020
ytFthltt lttKttkfegt vtrhKttbttultu yt"tthu vtwlt&rJtatth fhJttbttk ytJtNtu ;gtthu yvttltthe heLJto ctukf ytuV Erlzgttlte
mtqatlttytultu yt"telt ybtjtefhKt fhJttbttk ytJtNtu.
:ttvtKt'thtulttu rJt#tmt yltu :ttvtKttulte mtwhHtt &
ctulfekdt Htu*tbttk 2017 bttk lttuxctk"teltu fthKtu zevttuLex Jt"te vthk;tw ;tu hfbt 2017-18 'hbgttlt mtJtuo
ctulftubttk:te vth;t jtuJttE dtE ;tu:te zevttuLex vtKt Dtxe dtE. :ttvtKttu JtMto 2016-17ltt yk;tu ~t. 12,300.00
jttFt n;te. ;tu 2018-19ltt JtMtoltt yk;tu 8,171.44 jttFt :tE n;te yltu 2019-ftuhtulttltu fthKtu 2019-
20lttk yk;tu 6,093.00 jttFt :tE n;te.
attuFFttu ltVtu &
JtMto 'hbgttlt ctukflttu ftattu ltVtu ~t. 541.88 jttFt suxjttu :tgttu n;ttu ;t:tt mtltu 2007-08 ltt JtMto:te
mtnfthe ctukftultu Elfbt xuHt jttdtw vtz;tt ytvtKte ctukfu ~t. 95.00 jttFt Elfbt xuHt Cth;tt ctukflttu attuFFttu ltVtu ~t.
446.88 jttFt suxjttu :tgttu n;ttu. subttk dtJtObtulx mtefgtwhexelttu rmtknVtGtu ~t. 325.96 jttFt n;ttu.
rmtfgtwhuxtELuNtlt yufx &
(17)
"te VtElttlmtegtjt ftu-ytuvthuxeJt ctukf jte., mtwh;t.
lttdtrhf mtnfthe ctukftu rmtfgtwhuxtELuNtlt yufx nuXG NPA lte Jtmtwjtt;t fhe Ntfu ltnek ;tuJttu atwft'tu
lttbt'th dtwsht;t ntEftuxo «tht 2013 bttk ytvtJttbttk ytJtujt ;tulte mttbtu mtwrvt{bt ftuxobttk fumt 'tFtjt fhJttbttk
ytJtujt yt fumtlttu atwft'tu yctoltu ctukftulte ;thVuKtbttk ytJgttu Au. sultt yt"tthu nJtu yctolt ctukftu rmtfgtwhuxtELuNtlt
yufx nuXG NPA lte Jtmtwjtt;t fhe NtfNtu. mthVumte yufx nuXG Jtmtwjtt;t fhJtt bttxu bttudtuos vt{tuvtxeltwk mthmttE
(CERSAI) bttk hBmx[uNtlt fhtJtJtwk VhBgtt;t Au.
ytvtKtt VuzhuNtlt ;t:tt GSC ctukf «tht dtwsht;t ntEftuxobttk yltu ;gtthctt' mtwrvt{bt ftuxobttk vtKt
NAFCUB mtt:tu btGeltu jttkcte ftltqlte jtztE jtzeltu ytvtKte mtnfthe ctukftulte ;thVuKtbttk yt atwft'tu jttJt;ttk
ytvtKtt bttxu rhfJthelttu bttuxtu bttdto Ftwjgttu Au. ;tultu jtEltu hefJthelte vt{r_gtt Lzvte ctltNtu yltu ctukftulte ytr:tof
rm:tr;tbttk mtw"tthtu :tNtu.
attxozo yuftWlxlmte yCgttmt_btltt rJt$t:teoytultu mtwJtKto atkYfltt Elttbttu &
ytvtKte ctukf yuf mttbttBf vt{Jt]r@t~vtu mtwh;tlttk attxozo yuftWlxlx VtWlzuNtlt, Elxh yltu VtEltjt JtMtoltt
rJt$t:teoytubttk:te suytu mtJttuo@tbt dtwKttkf btuGJte W@teKto :ttgt Au ;tubtltu mtwJtKto atkYf:te ltJttsu Au.
mtCttmt'ltt bt];gtw ctt' Jtthmt'thtultu yvtt;te mtntgt &
ctukfltt rltgtbt vt{bttKtu ytvtKtt Ntuh ntujzh (1) r*tJtu'e ltxJthjttjt r'ltfhhtgt (2) vtwltrbtgtt
fjttJt;tectult hbtuNtatkY (3) fkmttht rfNttuh sgtfeNtlt (4) vthbtth 'wdttoctult lthvt;tCttE ltt bt];gtw ctt' yubtltt
Jtthmt'thtultu 'hufltu ~t. 10,000/- lte mtntgt fhe.
mttbttBf mtuJtt &
JtMto 'hbgttlt sw'e sw'e mtkm:ttytultu 'tlt ytvgtwk sulte rJtdt;t lteatu vt{bttKtu Au &
~rvtgtt mtkm:ttltwk lttbt
11,000/- mttumttgtxe Vtuh VeLefjt nulzefuvt, mtwh;t.
5,100/- `e yt'Nto htbtjtejtt x[mx, mtwh;t.
51,000/- ateV bteltemxh hejteV Vkz (ftuhtultt-2019)
67,100/-
"te VtElttlmtegtjt ftu-ytuvthuxeJt ctukf jte., mtwh;t.
yturzxh &
mttuvttheJttjtt yulz ftwk. ltu mtnfthe mttumttgtxeltt hBmx[th`e ;thV:te ctukfltt vt{bttrKt;t yturzxh ;thefu
rltbtKtqkf ytvtujt Au. yltu ;tuytulte btq';t JttrMtof mtt"tthKt mtCtt mtw"telte ntugt Au.
yt;btrlthCtoh dtwsht;t mtntgt gttusltt (I) yltu (II) bttk gttudt'tlt &
fturJtz-19 btntbtthe Vujtt;te yxftJtJtt bttxu mthfth ;thV:te jttufztWlt Snuh fhJttbttk ytJgtwk. yt
jttufztWltltt fthKtu mttbttlgt vt{Sslttulte ytr:tof vt{Jt]r@t Wvth DtKte s rJtvthe;t ymth :tE sultu fthKtu mbttujt yltu
rhxujt x[uzmto, vt{tuVuNtltjmt, fthedth Jtdto, Vurhgttytu Jtdtuhu ytr:tof Ctekmtbttk ytJte dtgtt. ytJtu JtFt;tu dtwsht;t
mthfth`eyu ytr:tof vt{Jt]r@t yltu Fttmt fheltu lttltt Jtdtoltt jttuftulte ytr:tof vt{Jt]r@tltu Jtudt ytvtJtt bttxu
yt;btrltCtoh dtwsht;t mtntgt gttusltt-I fu subttk ;tthKt Jtdth ~t. 1-00 jttFt mtw"teltwk r"thtKt yltu yt;btrltCtoh
dtwsht;t mtntgt gttusltt-II fu subttk ;tthKt mttbtu ~t. 2-50 jttFt mtw"teltwk r"thtKt 6Ù yltu 4Ù ltt Jgttslte mtntgt:te
yltu ;tu vtKt yctolt ftu-ytuvthuxeJt ctukftultt mtt:t mtnfth:te ytvtJttltwk lt²e fgtwO. ;tu ct'jt ytvtKtt btwFgtbtk*te `e
rJtsgtCttE ~vttKte, lttgtct btwFgtbtk*te ̀ e lter;tltCttE vtxujt, mtnfth btk*te ̀ e E#hrmtkn vtxujt, mtnfth mtratJt
`e btrltMt Ctth«ts, htsgt hBmx[th ̀ e ze. vte. 'umttElttu yk;t&fhKtvtqJtof Ftqct Ftqct ytCtth bttltkw Awk. ytvtKte
ctukfu vtKt yt gttuslttbttk 162 Wvthtk;t jttCtt:teoytultu ~t. 2,83,38,000 suxjtwk "tehtKt fgtwO Au.
`""ttksrjt &
ynuJttjt yt"telt JtMto 'hrbtgttlt ytvtKtt fuxjttgtu mtnfthe ctk"twytu ytvtKte Jtaatu:te mt'tltu bttxu rJt'tgt
jtE atqfgtt Au. mtJto mtÚdt;t btntltwCttJttultu `""ttksrjt ;t:tt ;tubtltt yt;bttltu rathk;tlt Nttkr;t y:tuo vt{Ctwvt{t:toltt. yt
mtJto btntltwCttJttubttk WjjtuFtltegt lttbt Au, mJt. `e lthulYCttE dttk"teltwk. dtwsht;t yctolt ftu-ytuvthuxeJt ctulfmt
VuzhuNtlt ybt'tJtt'ltt rzhufxh hne atqfujtt `e lthulYCttE dttk"te mtwh;t ;tubts dtwsht;tltt JtrhMX yltu vtrhvtfJt
mtnfthe ydt{Kte n;tt. mtÚdt;tlte y:ttf mtuJttytultu rJtltbt{ CttJttksrjt mtt:tu ytvtKtt mtnw ;thV:te `}tmtwbtlt
yvtoKt f~k Awk.
ctukf mtt:tu Suztgtujt vt{;gtuf Jgtrf;t attnu ;tu btultusbtulx ;thV:te ntugt fu mxtV btubcth. ;tubtKtu mtnwyu fturJtz-
19 lte btntbtthebttk §lxjttElt Jtturhgth ctlteltu ftbt fgtwo Au yltu mttbttlgt vt{Sslttultu ytJte frXlt vtrhrm:tr;tbttk
vttu;ttlte vthJtt fgtto rJtltt yrJth;t ctukrfkdt mtuJtt vtqhe vttze Au. y;gtk;t 'w&Ft mtt:tu sKttJtJttltwk fu yt btntbtthebttk
mtnfthe Htu*tltt ydt{dtKgt ftgtof;tto ;tubts mxtV btubcthtuyu vttu;ttltt Slt dtwbttJgtt Au. yt 'huf fbtoMX ftgtof;ttoytultu
(18)
(19)
"te VtElttlmtegtjt ftu-ytuvthuxeJt ctukf jte., mtwh;t.
bttht Jt;te yltu cttuzo ytuV rzhufxmto yltu mxtV btubcth Jt;te ̀ ""ttksrjt ytvtkw Awk yltu ;tubtltt yt;bttltu Nttkr;t btGu
;tuJte vt{t:toltt f~k Awk.
ÒKt mJtefth &
ytvtKtt ;tbttbt rzhufxh rbt*ttu ytvt mttiltu Ç'gt vtqJtof ytCtth bttltu Au-Ntuh "tthftu, btqjgtJttlt dt{tnfrbt*ttu,
heLJto ctukf ytuV Elzegtt, mtnfthe btkzGeytultt hBmx[th`e, mxux ctukf ytuV Elzegtt, "te mtwh;t zemx[efx ftu-
ytuvthuxeJt ctukf jte., mtwh;t, "te mtwh;t vtevtjmt ftu-ytuvthuxeJt ctukf jte., mtwh;t, ctukf ytuV cthtuzt, gtNt ctukf jte.,
yuat. ze. yuV. mte. ctukf jte., ytE. ze. cte. ytE. ctukf jte., ytE. mte. ytE. mte. ytE. ctukf jte, ftuxf btrnlYt
ctukf jte., dtwsht;t mxux ftu. ytu. ctuf jte., D.C.B, sltt mbttujt VtElttlmt ctukf, btnumttKtt ftu-ytu. ctukf, yu. gtw.
mbttujt VtElttlmt ctukf, Veltfuh mbttujt VtElttlmt ctukf, ;t:tt W;fMto mbttujt VtElttlmt ctukf, mttW:t dtwsht;t ftu. ytu.
ctukfmto yumttumteyuNtlt, dtwsht;t yctolt ftu-ytuvt. ctukf VuzhuNtlt yltu mtJtuo NtwCtuaAftu fu suytuyu mtjttnmtqatlttu ytvgtt
;tubts ybtthtbttk rJt#tmt btqfeltu ytvtKte ctukfltt rJtftmtltt mtt"tlt~vt ctlgtt.
ytvtKtt rzhufxh`eytu ytvtKttk mxtVltt mtJtuo mtCgttultu ;tubtltt mtnfth ;t:tt Âze jtdtlt:te dt{tnfjtHte mtuJtt
ytvteltu ctukfltt rJtftmtbttk vttgtt~vt ctltJtt bttxu NttcttNte ytvtu Au.
yt ct'jttgtujtt mtbtgtbttk rltKttk;ttultt bt;tu yt btntbtthe jttkctt mtbtgt mtw"te attjtJttlte ntuE, ;tulte 'whtudttbte
rJtvtrh;t ymthtultu "gttltu jtE ytvtKtu mttiyu vtrhJt;tolt bttxu bttltrmtf he;tu ;tigtth :tE yt ftuhtultt btntbtthe mtt:tu
BJtJttlte xuJt fuGJtJte vtzNtu. JtthkJtth mttctw:te nt:t "ttuJtt, bttmf vtnuhJttlte xuJt, ;t:tt mtturNtgtjt rzmxlmtekdtltt
%%'tu dts 'whe^^ SGJte htFtJttltt bttltltegt Jtztvt{"ttlt`eyu ytvtujt btntbtk*tltu ytvtKtu mttiyu yt;btmtt;t fhJttu
vtzNtu.sgt rnl', sgt mtnfth
"tlgtJtt' !
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Dt. : 27-11-2020
(20)
"te VtElttlmtegtjt ftu-ytuvthuxeJt ctukf jte., mtwh;t.
PROFIT AND LOSS ACCOUNT For the year ended 31st March - 2020
FORM - B
2,48,46,886 1 Interest on Deposit, Borrowings, etc. 25,579,570
2,84,09,353 2 Salaries and Allowances and Provident Fund 32,480,269
NIL 3 Director's and Local Committee Members Fees and NIL
Allowances
55,06,847 4 Rent, Taxes, Insurance, Lighting, Consultancy 5,793,762
Charges, Legal & Proff. Member ShipFees etc.
NIL 5 Law Charges NIL
3,76,210 6 Postage, Telegram and Telephone Charges 413,757
2,91,780 7 Auditor's Fees 225,000
11,36,713 8 Depreciation 11,21,634
11,75,954 9 Repairs & maintenance to Property 12,97,861
16,97,144 10 Stationery, Printing news paper & Magazins 2,109,518
Xerox charges and Advertisement etc.
----- 11 Loss from Sale of or Dealing with Non-banking -----
Assets
34,74,598 12 Other Expenditure 4,037,452
2,42,45,340 13 Balance of Gross Profit 54,188,000
----- Less : Provision for Income Tax and Appropriation -----
of Profit Please see page No. 28
9,11,60,825 TOTAL 12,72,46,822
Expenditure Rs.31-3-2019
Amount (Rs.) 31-3-2020
Amount (Rs.)
Shri R. N. AgarwalChairman
Shri CA Manish JajooVice Chairman
Dt. : 23-06-2020
As per my report of even date
FOR, SOPARIWALA & Co.
Chartered Accountants
FRN No. 132643W
CA Nicky D. Sopariwala
PARTNER
M No 140537
m:tG & mtwh;t
(21)
"te VtElttlmtegtjt ftu-ytuvthuxeJt ctukf jte., mtwh;t.
1 Interest
5,45,31,837 Interest Received on Banks Fixed Deposit 5,35,22,761
2,41,79,850 Interest Received on Loan & Advances 2,77,71,235 81,293,997
7,87,11,687
7,06,863 2 Commission 196,339
NIL 3 Subsidies and Donations NIL
NIL 4 Income from Non-banking Assets and Profit from NIL
Sale or Dealing with such Assets
1,17,42,275 5 Misc. Receipts 45,756,487
NIL 6 Loss (if any) NIL
9,11,60,825 TOTAL 12,72,46,822
Income
PROFIT AND LOSS ACCOUNT For the year ended 31st March - 2020
31-3-2019Amount (Rs.)
31-3-2020Amount (Rs.)
DIRECTORS
Shri Anil Agarwal
Shri B. M. Agarwal
(Dr.) B. S. Agarwal
CA Shri C. P. Jaria
Shri Dinesh Khandelwal
Shri Govindji Sarawagi
Shri Kailashchand Khemka
Shri Rajesh Birla
Shri Ram Avatar Jajoo
Shri Vishvanath Khandelwal
(1)
(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
(10)
Shri H. B. DesaiManager / CEO
Dt. : 23-06-2020
m:tG & mtwh;t
(22)
Amount (Rs.) Capital and Liabilities
1. Capital(i) Authorised Capital
5,00,000 shares of Rs. 100 eachshares of Rs. each(ii) Subscribed Capital 221025 shares of Rs. 100 each Fully Paid upshares of Rs. each(iii) Amount called upon shares at Rs. each Fully Paid Upon____shares of Rs. each less calls unpaidPending allotment 85 each of Rs. 100 Of (iii) above, held by (a) Individuals(b) Co-operative institutions(c) Nominal Share(d) State Government
2. Reserve Fund and Other Reserves
(i) Statutory Reserve
(ii) Agricultural (Credit Stabilisation Fund)(iii) Building Reserve Fund(iv) Dividend Equalisation Reserve Fund(v) Special Bad Debts Reserve(vi) Bad and Doubtful Debts Reserve Fund
(vii) Investment Depreciation Reserve Fund
(viii) Other Funds and Reserves (to be specified)a) Propaganda Reserve Fundb) Charity Reserve Fundc) Staff Welfare Reserve Fundd) Jubilee Reserve Funde) Share holders welfare Reserve Fundf) Education Reserve Fundg) Contingency Reserve Fundh) Urban Bank's credit Equiladation Reserve Fundj) Investment Fluctuation Reserve Fundk) Bad & Doubtful Debts Reserve Provision on Standard Assets
2,21,02,500
8,500
NILNIL40
NIL
16,84,73,273
NIL4,03,88,140
25,99,743NIL
3,30,56,914
19,11,750
5,075,032 5,450,622 4,570,813
10,951,883 3,941,556
3,00,0009,106,322
1,25,38,2432,00,000
35,00,704
5,00,00,000
2,21,11,040
30,20,64,995
31-3-2019Amount (Rs.)
31-3-2020Amount (Rs.)
5,00,00,000
2,18,69,100
32,000
NILNIL30
NIL
2,19,01,130
16,12,33,323
NIL3,98,72,182
25,99,743NIL
3,09,20,113
19,11,750
49,67,54153,08,16944,63,322
1,07,36,90141,98,821
3,00,00089,63,000
1,25,38,2432,00,000
35,00,704
29,17,13,812
31,36,14,942
"te VtElttlmtegtjt ftu-ytuvthuxeJt ctukf jte., mtwh;t.
BALANCE SHEET AS ON 31st MARCH-2020
FORM - A
32,41,76,035
(23)
Amount (Rs.) Property and Assets
1. Cash in handIn hand and with 1[the National Bank], State bank of India,State co-operative bank and Central co-operative bank.2. Balance with other banks(i) Current deposits with Notified Banks(ii) Current deposits with other Banks(iii) Savings bank deposits (iv) Fixed deposits
3. Money at call and short notice
4. Investments(i) In central and State Government securities (at book value)Face Value Rs. 41,40,00,000.00Market Value Rs. 41,96,22,309.36(ii) Other Trustee securities(iii) Shares in co-operative institutions other than in item (5) below:(iv) Other Investments (to be specified)
(v) Surat Dist. Co-Op.Bank Fixed Deposit(Vi) Gujarat State Co-op. Bank Fixed Deposit
5. Investments out of the Principal/Subsidiary State Partnership FundIn shares of :(i) Central co-operative banks(ii) Primary agricultural credit societies(iii) Other societies6. Advances (i) Short-term loans, cash credits, overdrafts andBills Discounted Of which secured against :a) Government and other approved securitiesb) Other tangible securities @
(out of which overdue amount in Rs. 4.53 lacsBad and Doubtful Debts Rs. 4.53 lacs)(ii) Medium-term loans, cash credits, overdrafts andBills Discounted of which secured againsta) Government and other approved securitiesb) Other tangible securities @(out of which overdue amount in Rs. 4.74 lacsBad and Doubtful Debts Rs. 7.49 lacs) C/F
830,220 21,594,440
NIL 110,224,079
NIL
394,434,000
64,000,000 5,100
NIL
NILNIL
--------- ---------
148093173
13714076
----
56,644,421
764,547.00 NIL
41,068,893
132,648,739
458,439,100
31-3-2019Amount (Rs.)
31-3-2020Amount (Rs.)
3,92,35,875
5,15,6022,62,44,616
NIL13,52,00,00016,19,60,218
NIL
55,21,17,960
7,00,00,0005,100
NIL
NILNIL
62,21,23,060
----------
11,13,78,286
1,23,48,295-----
7,72,28,643
8,66,837NIL
Total Carried over
"te VtElttlmtegtjt ftu-ytuvthuxeJt ctukf jte., mtwh;t.
BALANCE SHEET AS ON 31st MARCH-2020
FORM - A
1,02,51,41,214 63,21,56,732
(24)
Amount (Rs.)
245,226,020 NIL NIL
99,102,624
NIL NIL
258,399,256
NIL
NIL 6,571,648 60,92,99,548
NIL
NIL
NIL
NIL
NIL
NIL
Total Carried over
31-3-2019Amount (Rs.)
31-3-2020Amount (Rs.) Capital and Liabilities
Total Brought Forward3. Principal/Subsidiary State Partnership Fund A/cFor share capital of :(i) Central co-operative banks(ii) Primary agricultural credit societies(iii) Other societies4. Deposit and Other Accounts(i) Fixed deposits*a) Individuals **b) Central co-operative banksc) Other societies(ii) Savings bank depositsa) Individuals **b) Central co-operative banksc) Other societies(iii) Current depositsa) Individuals **b) Central co-operative banks
c) Other societies(iv) Other Deposits (Credit Balance of Advances)
5. Borrowings $(i) From 2 [the National Bank]/State/Central co-operative bankA) Short-term loans, cash credits and overdraftsOf which secured against fix deposita) Government and other approved securitiesb) Other tangible securities @B) Medium-term loansOf which secured against :a) Government and other approved securitiesb) Other tangible securities @C) Long-term loansOf which secured against :a) Government and other approved securitiesb) Other tangible securities @ii) From the State Bank of IndiaA) Short-term loans, cash credits and overdrafts.Of which secured against :a) Government and other approved securitiesb) Other tangible securities @B) Medium-term loansOf which secured against :a) Government and other approved securitiesb) Other tangible securities @
24,26,32,834NILNIL
11,39,32,019NILNIL
45,48,14,420NIL
NIL57,65,138
81,71,44,411
NIL
NIL
NIL
NIL
NIL
NIL
BALANCE SHEET AS ON 31st MARCH-2020
FORM - A
"te VtElttlmtegtjt ftu-ytuvthuxeJt ctukf jte., mtwh;t.
1,13,07,59,353 93,34,75,583
31,36,14,942 32,41,76,035
.
32,34,17,721
3,70,565
54,92,769
4,81,59,973
(25)
Amount (Rs.) Property and Assets
(iii) Long-term loans, cash credits, overdrafts andBills Discounted of which secured against :a) Government and other approved securitiesb) Other tangible securities @(out of which overdue amount in Rs. 8.51 lacsBad and Doubtful Debts Rs. 42.58 lacs)
7. Interest ReceivableOf which overdueConsidered bad and doubtful of recovery
8. Bills Receivable being Bills for Collections asper contra9. Branch Adjustments10. Premises less Depreciation11. Furniture and Fixtures (a) Furniture & Fixture less Depreciation(b) Vehicles less Depreciation
12. Other Assets (to be specified)(a) Stationery Stocks & Postal Stamps(b) Advance Income-tax & TDS (i) A.Y. 2019-20 Adv Tax Refundable(c) Gratuity-Deposit with LIC (d) Interest Received on Govt. Security(e) CERSAI processing account(f) Premium on Investment in Govt. Security(g)Interest Received {Staff HSL}(h) Telephone & Loker Deposits(i) Clearing Adjustment(j) Adhesive Stamped documents(k) TDS Receivable(l) Interest Receivable on Bank's Fix Deposit(m) Silver Coin (i) Silver Coin 2014-15 (ii) Silver Coin 2012-13(n) Sundry Debtors(o) Gratuity Premium (Advance)(p) Preliminary Exps.(q) Prepaid Expenses(r) Staff leave encashment Premium(s) ATM Cards Stock
104,201,503
NIL
370,565
NIL
NIL NIL NIL
5,136,819 355,950
90,339 9,500,000 1,178,594
14,461,797 6,339,986
40,738 276,160
1,499,508 27,836
----- -----
1,332 8,935,455
935,809
12,569 1,619,338
738,626 ------- -------
23,98,9711,02,915
10,52,14,878
NIL
30,70,36,939
7,77,555
NIL
NILNILNIL
55,56,4344,18,765
59,75,199
99,7981,00,00,000
-----95,72,233
1,08,60,69342,438
3,11,42416,49,328
27,8362,877
-----1,29,334
37,16,711
8,68,6056,41,010
15,42,4885,56,324
----------
17,44,7621,29,500
4,18,95,361
Total Carried over
31-3-2019Amount (Rs.)
31-3-2020Amount (Rs.)
"te VtElttlmtegtjt ftu-ytuvthuxeJt ctukf jte., mtwh;t.
BALANCE SHEET AS ON 31st MARCH-2020
FORM - A
1,17,90,04,207 1,00,95,97,760
1,02,51,41,214 63,21,56,732 Total Brought Forward
(26)
Amount (Rs.) Capital and Liabilities31-3-2019
Amount (Rs.) 31-3-2020
Amount (Rs.)
BALANCE SHEET AS ON 31st MARCH-2020
FORM - A
"te VtElttlmtegtjt ftu-ytuvthuxeJt ctukf jte., mtwh;t.
1,17,90,39,842 1,00,96,77,924 TOTAL
1,13,07,59,353NIL
NIL
NIL
NIL
NIL
NIL45,45320.654
44,40,67510,85,286
38,06995,72,233
9,07,9877,77,555
17,44,76244,98,500
4,39,6532,32,3432,31,979
2,40,35,149
3,59,1418,27,262
2,043
2,42,45,340
Total Brought ForwardC) Long-term loansOf which secured against :a) Government and other approved securitiesb) Other tangible securities @(iii) From the State GovernmentA) Short-term loans, cash credits and overdraftsOf which secured against :a) Government and other approved securitiesb) Other tangible securities @B) Medium-term loansOf which Secured Against :a) Government and other approved securitiesb) Other tangible securities @C) Long-term loansOf which Secured Against :a) Government and other approved securitiesb) Other tangible securities @(iv) Loans from other sources (source and security to be specified)6. Bill for Collection being Bills Receivable as per contra7. Branch Adjustments8. Interest Payable on Matured Deposits9. Interest Payable On Fix Deposits10. Other Liabilities(i) Pay Order Issued(ii) Unclaimed dividends(iii) Clearing Adjustment(iv) Gratuity with LIC (As par Contra)(v) Sundries Creditors(vi) Interest Accrued but not received on advances(vii) Staff Leave encasements (As Par Contra)(viii) Mehsana Urban Co-op. Bank(ix) Payable Accounts a) T.D.S. b) CGST c) SGST
11. Inoperative Deposit A/c.Current DepositsSavings DepositsRecurring Deposits12. Profit and LossGross Profit as per last balance sheet
NIL71,242 43,042
12,96,647 15,48,915
60 1,44,61,797
10,59,100 3,70,565
23,98,971 -----
4,35,536 1,64,233 1,64,233
6,55,577 16,77,026
2,043
93,34,75,583NIL
NIL
NIL
NIL
NIL
NILNIL
2,20,14,341
5,41,88,000
(27)
Amount (Rs.)
TOTAL
1,00,95,97,760
NIL
80,162
31-3-2019Amount (Rs.)
31-3-2020Amount (Rs.) Property and Assets
Total Brought Forward13. Non-banking Assets acquired in satisfaction of
claims (stating mode of valuation)
14. Profit and Loss
15. Tax on Input (Purchase)
CGST Purchase ITC
SGST Purchase ITC
IGST Purchase ITC
16. Inoperative Deposit
(a) Inoperative Current Account
(b) Inoperative Saving Account
(c) Inoperative Recurring Deposit
1,17,90,04,207NIL
NIL
16,640
16,640
2,355
35,635
3,59,141
8,27,262
2,043
"te VtElttlmtegtjt ftu-ytuvthuxeJt ctukf jte., mtwh;t.
BALANCE SHEET AS ON 31st MARCH -2020
FORM - A
1,17,90,39,842 1,00,96,77,924
NIL
NIL
38,740
38,740
2,682
655,577
1,677,026
2,043
Dt. : 23-06-2020
DIRECTORS
Shri Anil Agarwal
Shri B. M. Agarwal
(Dr.) B. S. Agarwal
CA Shri C. P. Jaria
Shri Dinesh Khandelwal
Shri Govindji Sarawagi
Shri Kailashchand Khemka
Shri Rajesh Birla
Shri Ram Avatar Jajoo
Shri Vishvanath Khandelwal
(1)
(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
(10)
Shri H. B. DesaiManager / CEO
Shri R. N. AgarwalChairman
Shri CA Manish JajooVice Chairman
As per my report of even date
FOR, SOPARIWALA & Co.
Chartered Accountants
FRN No. 132643W
CA Nicky D. Sopariwala
PARTNER
M No 140537
m:tG & mtwh;t
(28)
"te VtElttlmtegtjt ftu-ytuvthuxeJt ctukf jte., mtwh;t.
31-3-2020jttFtbttk ~t.ytkfztfegt ;twjtltt
CthvttE :tgtujt Ntuh btqzefwjt :ttvtKttufwjt r"thtKttuylgt ctukftubttk btwÚ;te :ttvtKttufwjt ytJtffwjt FtattoytuattuFFttu ltVtuftgtofthe CtkztuG
221.036,093.003,234.181,102.241,272.47
730.59541.88
9,817.68
APPROPRIATION OF PROFIT 31-03-2020
*Note : All Figures are Rounded off near to rupees.
Gross Profit 5,41,88,000.29 Less : Advance Income Tax Paid (F. Y. 2019-20) 95,00,000.00
Net Profit After Tax Total 4,46,88,000.29 Less :
1. Statutory Reserve 50.00% 2,23,44,000.292. Bad & Doubtful Debit Reserve 15.00% 67,03,200.003. Dividend @15% (Provisional) # 15.00% 32,87,000.004. Education Fund 2.50% 3,00,000.005. Charity Fund 1.00% 4,46,880.00 Total 3,30,81,080.29 Remaining Profit 1,16,06,920.00 Less :(1) Building Fund 36.00% 41,78,491.00(2) Contingency Fund 10.00% 11.60.692.00(3) Jubilee Fund 15.00% 17,41,038.00(4) Propaganda Fund 7.50% 8,70,519.00(5) Share Holder Welfare Fund 24.00% 27,85,661.00(6) Staff Welfare Fund 7.50% 8,70,519.00 Total 1,16,06,920.00 Remaining Profit 0.00
31-3-2019jttFtbttk ~t.
218.698171.443070.371352.00911.61669.15242.45
11569.45
# heLJto ctukf ytuV Erlzgttltt ;tt. 17-04-2020 ltt mthfgtwjth ltk. RBI/2019-20-218 DOR.BP.BC NO.
64/21.02.067/2019-20 yltwmtth heLJto ctukf ytuV Erlzgttlte btkswheltu ytr"tlt hnuNtu.
(29)
"te VtElttlmtegtjt ftu-ytuvthuxeJt ctukf jte., mtwh;t.
SR. NO. 31/3/2020
POSITION OF NET ADVANCES / NET NPAs
31/03/2020 (Rs. In Lacs)
PARTICULAR
1
2
3
4
5
6
7
8
Gross Advances
Gross NPAs
Gross NPA As Percentage To Gross Advances
Balance In Interest Susupense Account/OIR
Total NPA Provisions Held (BDDR Special BDDR Balance After Appropriation)
Net Advance (1-4-5)
Net NPAs (2-4-5)
Net NPA As Percentage To Net Advances
OIR = Over due Interest Receivable
*i.e. accrued interest on NPA accounts if included (capitalised) in loans and advances
3,234.18
54.61
1.69%
3.71
397.60
2,836.58
- 346.70
0
Rs. In LacsPARTICULAR
TOTAL ADVANCES OF THE BANK OUTSTANDING
TOTAL PRIORITY SECTOR ADVANCES
% PRIORITY SECTOR ADVANCES TO TOTAL ADVANCES
TOTAL WEAKER SECTION ADVANCES
% OF WEAKER SECTION ADVANCES TO TOTAL ADVANCES
% OF PRIORITY SECTOR ADVANCE TO WEAKER SECTOR ADVANCES
3,234.18
2,283.26
70.60%
859.47
26.57%
37.64%
PRIORITY SECTOR AND WEAKER SECTOR ADVANCES AS ON 31/03/2020
SECURITYWISE ADVANCES AS ON 31/03/2020
SR.
NO.
CASH CREDIT Overdraft
OVERDRAFT AGST MACHINERY
OVERDRAFT AGST. LAND & BUILDING
OVERDRAF AGST. NSC/KVP
OVERDRAFT AGST. FIX DIPOSIT
LOAN AGAINST FDR
LOAN AGST. NSC/KVP
HYPOTHECATION OF MACHINERY & STOCK.
HOUSING LOAN
LOAN AGST. ON MORTGAGE OF PROPERTY.
PERSONAL SURITY LOAN
VEHICLE LOAN
TOTAL
1
2
3
4
5
6
7
8
9
10
11
12
57
1
1
41
101
4
2
207
131835715.60
0.00
1664925.00
13714076.37
14393278.69
154654.00
44600.00
161807249.66
13
5
4
4
12
20
220
278
.
725620.00
764547.00
820176.00
1151946.00
6635229.00
455002.00
46856448.00
57408968.00
SHORT TERM MEDIUM TERM LONG TERM
AMOUNTAMOUNTAMOUNTNO. OF
A/CS
NO. OF
A/CS
NO. OF
A/CS
6
109
25
140
9818301.00
60913525.40
33469677.00
104201503.40
TOTALAMOUNT
131835715.60
0.00
1664925.00
13714076.37
14393278.69
880274.00
764547.00
10638477.00
62065471.40
40104906.00
455002.00
46901048.00
323417721.06
TOTAL
57
1
1
41
101
17
5
10
113
37
20
222
625
Rs. In LacsPARTICULAR
SUB-STANDARD
DOUBTFUL
LOSS ASSETS
TOTAL RS.
1.66
52.95
0.00
54.61
NPA AS ON 31/03/2020
NO. OF
A/CS
31/3/2019
3070.37
82.81
2.70%
7.78
330.57
2739.80
-255.54
0.00
(30)
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"te VtElttlmtegtjt ftu-ytuvthuxeJt ctukf jte., mtwh;t.
(31)
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41068893.0
0
738440.2
1
10895.9
0
60553.1
0
20330.6
7
14797.4
9
14437.0
0
360698.4
0
78576.5
0
8644442.5
0
1341390.4
5
4383725.0
6
4621722.6
3
1689791.7
1
19000.0
0
11188.0
0
11000.0
0
7858.0
0
11300.0
0
11568.0
0
301605.5
9
71339.1
1
5000.0
0
100.0
0
32000000.0
0
32000000.0
0
276160.0
0
394434000.0
0
0
0
0
0
0
10000000.0
0
224079.0
0
30000000.0
0
40000000.0
0
30000000.0
0
9000000.0
0 0 0 0 0
0
41068893.0
0
738440.2
1
10895.9
0
60553.1
0
20330.6
7
14797.4
9
14437.0
0
360698.4
0
78576.5
0
8644442.5
0
1341390.4
5
4383725.0
6
4621722.6
3
1689791.7
1
19000.0
0
11188.0
0
11000.0
0
7858.0
0
11300.0
0
11568.0
0
301605.5
9
71339.1
1
5000.0
0
100.0
0
32000000.0
0
32000000.0
0
276160.0
0
394434000.0
0
10000000.0
0
224079.0
0
30000000.0
0
40000000.0
0
30000000.0
0
632432892.3
2
9000000.0
0110224079.0
0
522208813.3
2
TO
TA
L
(Rs
in
ac
tua
l)
Cu
rren
t A
C
Bala
nce
(32)
(1) Saving Banks
(2) Term Deposits (From 22-10-2020)
15 Days to 45
46 Days to 90
91 Days to 180
181 Days to 12 Months
13 Months to 120 Months
1.
2.
3.
4.
5.
6.
7.
8.
Housing Loan
Traders (CC) / Business Loan (WCTL)
Commercial Propery Mortage Lone
Vehicle Loans
Commercial Vehicle Loans
Loan / OD Agst. LIC/NSC/KVP
Personal Surety Loan
Loan/OD Against Fix Deposits 1% Extra
on Deposit Rate of Bank's Own TDR.
31-3-09
31-3-10
31-3-11
31-3-12
31-3-13
31-3-14
31-3-15
31-3-16
31-3-17
31-3-18
31-3-19
31-3-20
4901
5114
6293
6949
7180
7310
7559
7679
7835
7819
8318
8363
9376
10652
13681
16826
18050
18356
19007
19590
19925
19709
21869
22103
71789
86201
106576
121557
150643
174925
200283
222773
250470
272117
291714
302065
292511
388322
474502
537918
343350
554151
745283
808787
1230000
842841
817144
609300
RATE OF INTEREST APPLIED W.E.F. 15-09-2020
TYPE OF ADVANCES
* Subject to the approval of AGM & RBI Guidelines
For Senior Citizen 1% Extra above 3 year deposit
# ctukf ytuV rzhufxmtuo CtjttbtKt fhujt Au.
(From Dt. 01-10-2020) 3.00%
3.00%
4.00%
4.40%
4.50%
5.25%
8.50%
9.00%
8.50%
8.50%
10.00%
9.50%
15.00%
--- .
56816
55478
90323
176809
186685
183910
232597
269600
287085
252312
307037
323418
27089
32672
26676
43395
43141
37850
42262
46767
39566
36474
24245
54188
15
15
15
15
15
15
15
15
15
15
15
15* #
404725
511995
618264
716046
545389
786733
1017411
1101113
1527230
1160647
1156945
981768