^u L$p¡X$u pf spgyL$p L$p¡. Ap¡`f¡V$uh b¡ÞL$]N eyq e gu.L ... file1 a¡¼k _„bf : (02795)...

1

a¡¼k _„bf : (02795) 221460 ap¡_ _„bf : Q¡fd¡_ Ap¡auk : 221454S>_fg d¡_¡S>f Ap¡auk : 221404Qua A¡L$pDÞV$ÞV$ Ap¡auk : 223416

E-Mail : [email protected] / [email protected]

fuTh® b¢L$ Ap¡a B[ÞX$ep_p b¡ÞL$]N buT_¡i

gpekÞk _„bf : A C D GJ 22 C, Date : 28 Jan.1980

fuhpBTX$ gpekÞk _„bf : RPCD(AH)14/2011-12, Date : 25 June 2012

fÆõV²$¡i_ _„bf : 20259/7-64 sp.23-11-1912

õV$¡ÃeyV$fu Ap¡X$uV$k® : A¡k A¡k A¡d A¡ÞX$ L$py„.-QpV®$X®$ A¡L$pDÞV$ÞV$k,cph_Nf

û dlpfpô²$ õV$¡V$ L$p¡.Ap¡`f¡V$uh b¡ÞL$ gu.

û fpS>L$p¡V$ X$uõV²$u¼V$ L$p¡.Ap¡`f¡V$uh b¡ÞL$ gu.

v$¡_p b¡ÞL$ - L$p¡X$u_pf.

îu Apf.A¡_. v$pludp(B.Sc.,H.D.C., G.D.C.& A.)

îu Apf.hu.hpmp(B.Com.)

îu A¡d.Apf.fpW$p¡X$(S.S.C., L.D.C.)

1.

2.

3.

: dy¿e Ar^L$pfuNZ (d¡_¡S>d¡ÞV$) :

S>_fg d¡_¡S>f (CEO)

Qua A¡L$pDÞV$ÞV$

Qua ky`fhpBTf

Mobile No : 92288 94316

Mobile No : 92283 61842

Mobile No : 92282 01144

û NyS>fps õV$¡V$ L$p¡.Ap¡`f¡V$uh b¡ÞL$ gu.

õV$¡V$ b¡ÞL$ Ap¡a B[ÞX$ep - L$p¡X$u_pf.

ApB.ku.ApB.ku.ApB.b¡ÞL$ L$p¡X$u_pf

: b¡ÞL$k® :

Ap¡X$uV$ hN® ""A''sp.31-3-2015

Website : ktcbu.com

L$pe® c„X$p¡m14622.16 gpM

i¡f c„X$p¡m,fuTh® a„X$ A_¡

AÞe a„X$p¡1934.33 gpM

\p`Zp¡9167.31 gpM

r^fpZ9752.37 gpM

Qp¡¿Mp¡ _ap¡33.22 gpM

_¡V$ A¡_.ù.A¡.2.25% gpM

(dyX$u èp®àssp_p¡NyZp¡sf)10.64%

l¡X$ Ap¡aukkp\¡ ipMpAp¡

12

CRAR

û L$p¡X$u_pf spgyL$p L$p¡. Ap¡`f¡V$uh b¡ÞL$]N eyq_e_ gu.L$p¡X$u_pf 102dp¡ hprj®L$ Al¡hpgk_¡ 2014-2015

dp_h„sp kcpkv$ cpBAp¡Ap`Zu b¢L$_u 102du hprj®L$ kp^pfZ kcpdp„ Ap` kp¥ kcpkv$cpBAp¡_¡ AphL$pfsp„ Nh® A_¡ lj®_u gpNZu

A_ychy„ Ry„>. Ap_„v$p¡...rdÓp¡ Ap`Zp dpV$¡ Ap DÐkh_u OX$u R>¡. gp„bp kde_p ̂ yçdkcep® dplp¡gdp„\u Ap`Z¡ âL$picfu L$¡X$u ̀ f `lp¢Ãep R>¡. Ap v$fçep__u kaf MybS> L$W$u_ lsu. ̀ X$L$pfp¡ lsp R>sp„ s¡d_u kpd¡ Ap`_p¡ klL$pf ̀ Z AX$uMd lsp¡.sdpfp kp\ klL$pf A_¡ rlçds_¡ gu^¡ Ap`Z¡ kamsp_p riMfp¡ kf L$ep® R>¡. rdÓp¡ klL$pfusp_p¡ dy¿e rkÝ^p„s R>¡ A¡L$ buÅ_p kp\\u kp¥_y„ L$ëepZ. Ap kyÓ Qqfsp\® L$fhp dpV$¡ Ap`Z¡ lh¡ A¡L$ dS>bys àg¡V$ap¡d® dm¡g R>¡. lh¡ ̀ yfu i[¼s\u Ap`Z¡ L$pd¡ gpNhp_y„ R>¡.

k_¡ 1992 \u Ap`Zu k„õ\p A¡L$qÓs Mp¡V$dp„ Qpgu fl¡g lsu. Ap Mp¡V$ Ap`Zp dpV$¡ A¡L$ bp¡S> kdp_ lsu. ̀ f„sy Ap`Z¡ tlds lpep® _l], A_¡ Ap`Z¡ kamsp_¡ hep®. sdpfp kp\ klL$pf\u Ap`Z¡ ndsp dyS>b `yfu r_›$p\u A_¡ kdr`®s cph\u Ap`Z¡ L$pd L$ey® R>¡. Ap`Z¡ dpQ® 2015 ApMf¡ Ns hj®_u A¡L$qÓs Mp¡V$ ê$p.181.93 gpM _pbyv$ L$fu hj® ApMf¡ ê$p.33.22 gpM_p¡ _ap¡ L$f¡g R>¡. lh¡ gp¡L$p¡_p dp_kdp„ Ap`Zp âÐe¡ A_¡ Ap`Zu k„õ\p âÐe¡ A¡L$ Apip ÅNu R>¡. d_¡ gpN¡ R>¡ lh¡ Ap`Z¡ knd cyrdL$p cS>hhp_p¡ kde Aphu Nep¡ R>¡. rdÓp¡ r_óamspdp„ L$iy„ Nydphhp_y„ lp¡sy„ _\u Äepf¡ kamsp V$L$phu fpMhp dpV$¡ A\pN îd L$fhp¡ S>ê$fu R>¡. Ap`Z¡ Ap`Zp k„Oj®_p kdedp„\u OÏS> ri¿ep R>¡. Ap A_ych ApNpdu kde dpV$¡ Ap`Z¡ L$pd¡ gNpX$hp_p¡ R>¡.

Ap`Z¡ bv$gph_p kdedp„\u ̀ kpf \B füp R>¡ A_¡ R>¡ëgp 2 hj®\u ̀ f„`fpNs b¡ÞL$]N_u kp\¡ kp\¡ dp¡X®$_ V$¡L$_p¡gp¡Æ õhuL$pfu ApNm hÝep R>¡. CBS rkõV$d k„`yZ® fus¡ Adgdp„ dyL$u Ap`Z¡ Ap`Zp b¡ÞL$]N n¡Ó_p lfuap¡_¡ ̀ Z ̀ X$L$pf a¢¼ep¡ R>¡. Ap bv$gph Ap`Zp dpV$¡ ̀ Z kfm _l] fl¡ ATM, Net Banking S>¡hu kyrh^p dpV$¡ Ap`Z¡ kÄS> \B füp R>¡. Ap sdpd kyrh^pAp¡ Vy„$L$ kdedp„ Ap`Z¡ iê$ L$fhp S>B füp R>¡.lh¡ v$°Y$ r_Z®e kp\¡ ApNm h^hp_y„ R>¡. ̀ qf[õ\rs kp_yLy$m lp¡B L$¡ rh`fus `f„sy kamsp_¡ Ýe¡e b_phu ApNm h^hp_y„ R>¡. rdÓp¡ d_¡ rhðpk R>¡ L$¡ Ap`Ï„ bp¡X®$ s\p õV$pa Ap [õ\su_¡ ̀ lp¢Qu hmhp knd R>¡. b¢L$¡ Ap dpV$¡ ̀ p¡sp_p Apr\®L$ ÷p¡sp¡ dS>bys L$fhp ̀ X$i¡. Mpk L$fu_¡ S>¡ c„X$p¡m rb_ DÐ`pv$qL$e R>¡ Aphp c„X$p¡mp¡_¡ DÐ`pv$qL$e ê$`dp„ gphhp `X$i¡. Å¡ L$¡ Ap`Z¡ Ns hj£ A¡_.ù.A¡.dp„ OZuS> kpfu A¡hu hkygps d¡mhu R>¡. `l¡gp„_u kfMpdZuA¡ OZu Ap¡R>u fL$d A¡_.ù.A¡.fl¡g R>¡. Apip R>¡ L$¡ Ap âL$pf_p dyv$srhrs bpL$uv$pfp¡_¡ kdÅhu A_¡ Ap`Z¡ hkygps d¡mhhpdp„ kam \Biy„.

Ns hj£ L$p¡X$u_pf spgyL$p¡ A_¡ Apk`pk_p rhõspfp¡dp„ hfkpv$ kpfp¡ \e¡g lp¡hp\u i¡fX$u, OJ s¡dS> AÞe fp¡L$X$uep ̀ pL$p¡_y„ DÐ`pv$_ rh`yg âdpZdp„ \e¡g lsy„. R>sp„ Ap`Zu ̂ pfZp dyS>b Ap`Z¡ \p`Zp¡dp„ N°p¡\ L$fu i¼ep _\u.Ap`Zu A`¡np lsu L$¡ Ap`Z¡ 31 dpQ® 2015 kyûdp„ ê$p.100 L$fp¡X$ kyû_u X$u`p¡TuV$ A¡L$W$u L$fu iL$uiy„, `f„sy ê$p.91.67 L$fp¡X$ kyûS> X$u`p¡TuV$ `lp¢QpX$u i¼ep. s¡_u kpd¡ r^fpZp¡ ê$p.97.52 L$fp¡X$ kyû ̀ lp¢Ãep R>¡. M¡X|$sp¡_u S>ê$fueps A_¡ dp„NZu dyS>b M¡rs rhjeL$ dÝed dyv$s r^fpZp¡ ̀ Z b¢L$¡ ̀ yfsp âdpZdp„ Ap`¡g R>¡. lh¡ M¡Xy$sp¡ M¡rs_u AphL$ rkhpe ̀ yfL$ AphL$ sfuL$¡ X$¡fu X$¡hg`d¡ÞV$_p ìehkpe sfa hýep R>¡. M¡X|$sp¡ Apr\®L$ fus¡ k„`Þ_ \pe s¡ dpV$¡ b¢L$ sfa\u M¡X|$sp¡_¡ vy$^pmp ìyAp¡_u Mfuv$u dpV$¡ `yfsp„ âdpZdp„ r^fpZp¡ Ap`hpdp„ Aph¡ R>¡. A_¡ _pbpX®$ Üpfp Ap`hpdp„ Aphsu kbkuX$u_p¡ gpc M¡X|$sp¡ kyû `lp¢QpX$u M¡X|$sp¡_¡ X$¡fu X$¡hg`d¡ÞV$ dpV$¡ âp¡Ðkprls L$f¡g R>¡. kfL$pfîu Üpfp drlgp DÐ\p_ dpV$¡ Adgdp„ dyL$hpdp„ Aph¡g ep¡S>_pAp¡_p cpNê$`¡ Ap`Zu b¢L$¡ kMu d„X$mp¡, drlgp bQs d„X$mp¡ s\p k¡ëa l¡ë` N°y`p¡_¡ s¡dS> S>¡.A¡g.Æ._¡ ̀ Z r^fpZ L$fu Ap`Zu b¢L$¡ kfL$pfîu_p L$pe®¾$ddp„ klcpNu b_hp âepk L$f¡g R>¡.

Ap`Zu b¢L$ kp\¡ sp.31-03-2015_u [õ\suA¡ kMu d„X$mp¡, k¡ëa l¡ë` N°y`p¡ s¡dS> drlgp bQs d„X$mp¡ dmu Ly$g 1011 bQs d„X$mp¡ Å¡X$pe¡g R>¡. s¡d_u bQs_u fL$d ê$p.95.34 gpM b¢L$dp„ S>dp R>¡. Ap d„X$mp¡ `¥L$u Ly$g 424 d„X$mp¡_u ê$p.393.45 gpM_u L$¡i ¾$¡X$uV$ b¢L$ sfa\u d„Sy>f L$fhpdp„ Aph¡g R>¡. Ap`Zu b¢L$_p k„QpgL$ d„X$m_p sdpd kæep¡, d„X$muAp¡_p k„QpgL$ d„X$m_p kæep¡ s\p Ap`kp¥_p krlepfp âepkp¡\uS> AÐepf¡ âNsu_u Ap`Z¡ lfZapm cfu R>¡ s¡ hpõsrhL$ b_i¡ A_¡ sp¡S> klL$pfuspdp„ rhðpk Dcp¡ \i¡. NyS>fps kfL$pfîuA¡ ̀ Z klL$pfu n¡Ó_u tQsp L$fu R>¡ Ap dpV$¡ Ap n¡Ó_¡ dS>bys b_phhp dpV$¡ NyS>fps kfL$pfîuA¡ b¡ hj® ̀ l¡gp„ Sy>_p dyv$srhrs/A¡_.ù.A¡. ël¡Zp„ hkyg L$fhp dpV$¡ h_V$pBd k¡V$gd¡ÞV$ ep¡S>_p_¡ d„Sy>fu Ap`¡g R>¡. S>¡ Ap`Zu b¢L$¡ Adgdp„ dyL$u R>¡ A_¡ s¡_p amõhê$`¡ sp.31-03-2015 kyûdp„ OTS ep¡S>_p l¡W$m b¢L$_p ku^p

2

b¢L$_p Q¡fd¡_îu_y„ r_h¡v$_


r^fpZp¡_p„ Ly$g 11 Mpsp_u ê$p.211.72 gpM_u hkygps Aph¡g R>¡. A_¡ b¢L$ k„ep¡Æs d„X$muAp¡ g¡hg¡ Ly$g 14 Mpspdp„ ê$p.20.59 gpM_u hkygps d¡mh¡g R>¡. b¢L$ sfa\u Adgdp„ dyL$¡g Ap OTS ep¡S>_p_u dyv$s b¢L$¡ afuhpf sp.31-12-2015 kyû g„bph¡g R>¡. Ap âL$pf_u OTS ep¡S>_p lh¡ afuhpf klL$pfu b¢L$p¡ dpV$¡ Aphhu Ai¼e S>Zpe R>¡ sp¡ Ap sL$¡ ly„ Ap` kp¥_¡ A_¡ b¢L$_p dyv$srhrs/ A¡_.ù.A¡.bpL$uv$pfp¡_¡ Ap ep¡S>_p_p¡ gpc gB sdpd Sy>_p„ dyv$srhrs/A_¡.ù.A¡. ël¡Zp„ cf`pB L$fu b¢L$_u hkygpsdp„ kp\ klL$pf Ap`hp rh_„su L$ê„$ Ry„>.

D`fp„s ìep`pfu r^fpZp¡ A_¡ gOy DÛp¡N_¡ âp¡Ðkpl_ dpV$¡ b¢L$ sfa\u Ap n¡Ódp„ `Z `yfsy„ Ýep_ Ap`hpdp„ Aph¡ R>¡. spgyL$p_u Apd S>_sp A_¡ S>ê$fuepsd„v$ gp¡L$p¡ kyû Ap`Zu b¢L$ ̀ lp¢Q¡ s¡ dpV$¡ ly„ A_¡ dpê„$ k„QpgL$ d„X$m l„d¡ip âeÐ_iug fluiy„ s¡_u Ap`_¡ ly„ MpÓu Ap`y„ Ry„> kp\p¡ kp\ rdÓp¡ Ap` kp¥ ̀ pk¡\u ly„ A¡hu Apip fpMy„ Ry„> L$¡ Ap` kp¥ b¢L$dp„\u D`pX$¡g r^fpZp¡_u hkygps r_erds cfp¡ A_¡ buÅ bpL$uv$pfp¡_¡ ̀ Z hkygps Ap`hp kdÅhu b¢L$dp„\u D`pX$¡g _pZp„ kdekf ̀ fs cfphhp dpV$¡ S>ê$fu klep¡N Ap`p¡. Ap`Zu b¢L$_u L$pdNufu_p¡ âkpf A_¡ âQpf L$fu kdN° NyS>fps fpÄedp„ _dy_pê$` Ap`Zu b¢L$_¡ Apr\®L$ fus¡ kyv©Y$ L$fhp Ap`_p klL$pf_u Apip fpMy Ry„> S>¡dp klep¡N Apù klL$pfu cph_p_y„ F$Z Av$p L$fhpdp„ klcpNu b_p¡ s¡hu rh_„su L$ê„$ Ry„>.

b¢L$_p `yfp \sp„ k_¡ 2014-15_p hj®_p Ap¡X$uV$fîuA¡ âdprZs L$f¡g rlkpbp¡, L$pdL$pS>_p¡ Al¡hpg A_¡ _ap-sp¡V$p_u rhNsp¡ s\p sp.31-03-2015_p fp¡S>_y„ kfh¥ey„ rhN¡f¡ kp\¡_u sdpd rhNsp¡ kp\¡_y„ _pZp„qL$e `qf[õ\rs_y„ hpõsrhL$ rQÓ Ap`_u kdn fSy> L$ê„$ Ry„>.1. _ap¡ :-

sp.31/03/2015 ApMf¡ ̀ yfp \e¡g rlkpbu hj®dp„ b¢L$¡ \p`Zp¡dp„ kpfu A¡hu âNsu L$f¡g R>¡. Ns hj£ sp.31-03-2014_p fp¡S> b¢L$_u Ly$g r^fpZ bpL$u ê$p.85.95 L$fp¡X$ lsu S>¡. sp.31-03-2015_p fp¡S> ê$p.97.52 L$fp¡X$ \e¡g R>¡. Apd b¢L$_p r^fpZp¡dp„ ê$p.11.57 L$fp¡X$ S>¡V$gp¡ h^pfp¡ \e¡g R>¡. b¢L$¡ Qpgy hj®_p A„s¡ Ly$g ê$p.392.48 gpM_p¡ N°p¡k âp¡auV$ L$f¡g R>¡. s¡ `¥L$u õV$pa N°¡ÃeyBV$u âp¡rhT_ ê$p.132.37 gpM, ApNpD_u A¡L$qÓs Mp¡V$ ê$p.181.39 gpM, BÞL$d V$¡n âp¡rhT_ ê$p.30.00 gpM s\p b¢L$ k„ep¡Æs k¡hp k.d„.Ap¡_¡ N°y`d„Óu apmp_u fL$d `¥L$u 50% dyS>b \su fL$d ê$p.15.50 gpM `fs Ap`sp„ b¢L$¡ sp.31-03-2015 ApMf¡ ê$p.33.22 gpM_p¡ Qp¡¿Mp¡ _ap¡ L$f¡g R>¡. Sy>_u dyv$srhrsdp„ Mpõkp¡ A¡hp¡ OV$pX$p¡ \e¡g R>¡. b¢L$¡ õV$pa N°¡ÃeyBV$u A„N¡_y„ âp¡rhT_ ê$p.80.78 gpM L$f¡g lsy. ̀ f„sy _pbpX®$ BÞõ`¡¼i_dp„ \e¡g kyQ_p dyS>b AS-15 âdpZ¡ Ap âp¡rhT_ N°¡ÃeyBV$u_p r_ed L$fsp„ Ap¡Ry„> lp¡B ê$p.132.37 gpM_y„ h^pfp_y„ âp¡rhT_ L$f¡g R>¡. Ðepf bpv$ b¢L$¡ sp.1-04-2015\u A¡g.ApB.ku. kp\¡ L$d®Qpfu N°¡ÃeyBV$u_p fp¡L$pZ dpV$¡ V$pe` L$f¡g R>¡ b¢L$¡ sdpd d„X$muAp¡_¡ N°y`d„Óu apmp_u fL$ddp„ 50% fpls Ap`¡g R>¡. Ap sL$¡ Ap`_¡ ly„ afuhpf rh_„su L$ê$ Ry„> L$¡ Ap` kp¥ Ap`_u L$npA¡ b_¡ s¡V$gp âeÐ_p¡ L$fu Sy>_u dyv$srhrs r^fpZp¡_u hkygps d¡mhhp_p âepkp¡dp„ klep¡N Apù Ap`Zu b¢L$_¡ h^pf¡ _ap¡ L$fsu L$fhpdp„ Ap` kp\ klL$pf A_¡ klep¡N Ap`p¡.2._ap_u apmhZu :-

sp.31-3-2015 ApMf¡ b¢L$¡ ê$p.3321710.96 Qp¡¿Mp¡ _ap¡ L$f¡g R>¡. S>¡_u apmhZu b¢L$_p k„QpgL$ d„X$m¡ _uQ¡_u rhNs¡ L$fhp kyQh¡g R>¡. s¡_¡ Ap kcp blpgu Apì¡ s¡hu A`¡np R>¡.

3


A._„. apmhZu_u rhNs fL$dê$p. `¥.

1

2

3

fuTh® a„X$ Mps¡ 70% âdpZ¡

A¡N°u, ¾$¡X$uV$ õV$¡bugpBT¡i_ a„X$ 15% âdpZ¡

õ`¡.b¡X$ A¡ÞX$ X$pDX$ayg X$¡åV$ fuTh® 15% âdpZ¡

2325198.96

498256.00

498256.00

3321710.96Ly$g...

3. b¢L$_u \p`Zp¡ h^pfhpdp„ îu rbg¡ðf Mp„X$ DÛp¡N L$p¡X$u_pf_p¡ klep¡N :-spgyL$p_u klL$pfu k„õ\pAp¡ ̀ ¥L$u dy¿e k„õ\p îu rbg¡ðf Mp„X$ DÛp¡N M¡X|$s klL$pfu d„X$mu gu._p bp¡X®$ Ap¡a X$uf¡¼V$k® A¡

Ap b¢L$ s\p spgyL$p_p kcpkv$p¡_p rls_¡ Âèpp_¡ gB i¡fX$u_p bugp¡_y„ ̀ ¡d¡ÞV$ R>¡ëgp ApW$¡L$ hj®\u Ap b¢L$ dpfas L$f¡ R>¡. s¡ AÞhe¡ b¢L$ sfa\u b¢L$_u 11 ipMpAp¡ s\p l¡X$ Ap¡aukdp„ i¡fX$u_p„ bugp¡_p `¡d¡ÞV$_u L$pdNufu L$fhpdp„ Aph¡ R>¡. S>¡_p L$pfZ¡ b¢L$_u \p`Zp¡dp„ DÑfp¡Ñf h^pfp¡ \e¡g R>¡. îu rbg¡ðf Mp„X$ DÛp¡N L$p¡X$u_pf_p„ klep¡N\u A¡_.X$u.X$u.bu.k„Qprgs Sy>_pNY$ vy$^ X$¡fu_p Ap rhõspf_p s¡d_p„ vy$^_p N°plL$p¡_p„ bugp¡_y„ ̀ ¡d¡ÞV$ Ap b¢L$ dpfas L$fhpdp„ Aph¡ R>¡ s¡ AÞhe¡ b¢L$ sfa\u sdpd vy$^_p N°plL$p¡_p„ Mpsp„ Sy>v$u Sy>v$u ipMpAp¡dp„ Mp¡gu vy$^_p bugp¡_u fL$d QyL$hhpdp„ Aph¡ R>¡.4. Sy>_p dyv$srhrs ël¡Zp„_u hkygps /NPA ̀ fap¡d®Þk :-

dyv$srhrs bpL$u r^fpZp¡ k„õ\p dpV$¡ OpsL$ fp¡N kdp_ R>¡. b¢L$_p dyv$srhrs g¡Zp„Ap¡_u AkfL$pfL$ hkygps dpV$¡ bp¡X®$_p„ kæep¡ s¡dS> b¢L$_p Ar^L$pfuAp¡/L$d®QpfuAp¡A¡ dyv$srhrs g¡Zp„_u hkygps_u Sy„>b¡i lp\ ̂ f¡g R>¡. sdpd L$d®QpfuAp¡A¡ \p`Zp¡ A¡L$qÓL$fZ A_¡ hkygps_u L$pdNufu lp\^fu b¢L$ A_¡ d„X$muAp¡_p dyv$srhrs bpL$uv$pfp¡_p¡ ê$bê$ k„`L®$ L$fu g¡Zp„Ap¡ cf`pB L$fhp spL$uv$ L$fhpdp„ Aph¡g R>¡.b¢L$_p sdpd L$d®QpfuAp¡_u kp\p¡ kp\ kfL$pfîuA¡ r_ey¼s L$f¡g õ`¡íeg fuL$hfu Ap¡aukfîuA¡ Sy>_p„ dyv$srhrs bpL$uv$pfp¡_u hkygps dpV$¡ gp„bp kde\u ̀ X$sf fl¡g 106(1) _p lyL$dp¡_u bS>hZu L$fu L$pev$p dyS>b b¢L$_p rlsdp„ hkygps_u L$pdNufu Qpgy L$f¡g R>¡. lSy> Ap qv$ipdp„ kq¾$e âeÐ_p¡ L$fhp_u S>ê$f R>¡.

cpfsue fuTh® b¡ÞL$/ _pbpX®$ sfa\u bu_ DÐ`pv$qL$e rdëL$sp¡ (A¡_.ù.A¡) kpd¡ L$pQp _apdp„\u Å¡NhpB L$fhp_p„ ^p¡fZp¡ k_¡ 1996-97 _p hj®\u afÆeps fus¡ Adgdp„ dyL$hpdp„ Aph¡g R>¡. s¡ dyS>b sp.31-03-2015 ApMf kyûdp„ b¡„L$_p kfh¥epdp„ ê$p.768.72 gpM_u Å¡NhpB A¡_.ù.A¡._p r_edp¡_p L$pfZ¡ L$fhu `X$¡g R>¡. A_¡ sp.31-03-2015 ApMf¡ b¡ÞL$_y„ N°p¡k A¡_.ù.A¡.6.62 V$L$p s\p _¡V$ A¡_.ù.A¡.2.25 V$L$p \e¡g R>¡. b¡ÞL$ sfa\u L$fhpdp„ Aphsp„ r^fpZp¡_u kdekf hkygps _ Aph¡ A_¡ r^fpZp¡ dyv$srhrs \pe sp¡ A¡_.ù.A¡. _p r_edp¡ âdpZ¡ b¢L$¡ afÆeps Å¡NhpB L$fhu ̀ X$¡ R>¡.

b¢L$_y„ N°p¡k A¡_.ù.A¡. sp.31-03-2014 _p fp¡S> 8.74 V$L$p lsy„ s¡ OV$u_¡ sp.31-03-2015 _p fp¡S> 6.62 V$L$p \e¡g R>¡. Apd N°p¡k A¡_.ù.A¡.dp„ 2.12 V$L$p_p¡ OV$pX$p¡ \e¡g R>¡.s¡d R>sp„ b¢L$_p Sy>_p dyv$srhrs bpL$uv$pfp¡ s¡d_p D`f_p ël¡Zp„ kÐhf¡ cf`pB L$fu Ap`¡ sp¡ Ap b¢L$_y„ _¡V$ A¡_.ù.A¡. 0% \B iL$¡ s¡d R>¡. b¢L$¡ ANpD_p hjp¡®dp„ Dv$pf qv$g fpMu _p_p dp¡V$p DÛp¡NL$pfp¡_¡ gp¡_ Apù s¡Ap¡_¡ `Ncf L$ep® R>¡. sp¡ Ap DÛp¡NL$pfp¡ s¡d_p D`f_p dyv$srhrs ël¡Zp„ hkyg Apù b¢L$_¡ dv$v$ê$` \hp k„r_›$ âeÐ_p¡ L$f¡ s¡hu ApS>_u sL$¡ Ar`g L$ê„$ Ry„>.5.rb_ b¡ÞL$]N rbT_¡i :-

L$p¡X$u_pf spgyL$p_p s¡dS> Apk`pk_p rhõspf_p vy$^ DÐ`pv$L$p¡_p vy$^_u Mfuv$u A¡_.X$u.X$u.bu.Üpfp L$fhpdp„ L$fhpdp„ Aph¡ R>¡ Ap vy$^ DÐ`pv$L$p¡_p vy$^_p bug_u fL$d Ap`Zu b¢L$_u Sy>v$u-Sy>v$u ipMpAp¡ Üpfp QyL$hhpdp„ Aph¡ R>¡ Ap sdpd vy$^_p bugp¡_p `¡d¡ÞV$_u L$pdNufu dpV$¡ ê$p.100 A¡ ê$p.0.17 `¥kp âdpZ¡ b¢L$_¡ L$dui_ Ap`hpdp„ Aph¡ R>¡ S>¡_p L$pfZ¡ b¢L$_u `yfL$ AphL$dp„ h^pfp¡ \e¡g R>¡. hj® v$fçep_ L$dui__u AphL$ ê$p.6.34 gpM \e¡g R>¡ D`fp„s Ap b¢L$ sfa\u A¡¼kpBX$ gpBa BÞõep¡fÞk L„$`_u (Exide Life Insurance) kp\¡ Æh_ rhdp_u L$pdNufu L$fhp dpV$¡ f¡afg V$pe` L$f¡g R>¡.6.CBS (L$p¡f b¡ÞL$]N kp¡ëeyi_) :-

Ap`Zu b¢L$_u l¡X$ Ap¡auk s\p sdpd ipMpAp¡dp„ CBS (L$p¡f b¡ÞL$]N kp¡ëeyi_)_u k„`yZ®`Z¡ Adghpfu \B Ne¡g R>¡.b¢L$_p N°plL$p¡, \p`Zv$pfp¡_u kyrh^p dpV$¡ NEFT/RTGS _u k¡hpAp¡ ̀ Z Qpgy L$f¡g R>¡. s¡dS> SMS A¡gV®$ ̀ Z Qpgy L$fu N°plL$p¡_¡ s¡d_p dp¡bpBgdp„ Mpsp_y„ b¡g¡Þk s¡dS> V²$pÞT¡L$i__u ÅZL$pfu `yfu `pX$hpdp„ Aph¡ R>¡. Ap sL$¡ Ap`Zu b¢L$ kp\¡ Å¡X$pe¡gp sdpd \p`Zv$pfp¡A¡ s¡d_p fÆõV$X®$ dp¡bpBg _„bf_u S>¡ ipMpdp„ Mpsy lp¡B Ðep„ _p¢^phu S>hp rh_„su L$ê„$ Ry„>. ApNpdu kdedp„ b¢L$ ATM, Rupay Card, Net Banking, s¡dS> Online Banking _u k¡hpAp¡ ̀ Z iê$ L$fi¡ S>¡\u Ap`Zu b¢L$ kp\¡ Å¡X$pe¡gp sdpd N°plL$p¡_¡ fp[ô²$eL©$s s\p Mp_Nu b¢L$p¡ S>¡ âL$pf_u k¡hp ̀ yfu ̀ pX$¡ R>¡ s¡ âL$pf_u sdpd kNhX$sp Ap`Zu b¢L$ Üpfp dmu fl¡i¡.

4


7. ipMpAp¡ :-

8.gp¡L$k® :-Of Ap„NZp_p„ Å¡Md\u bQhp dpV¡$ b¡ÞL¡$ l¡X$ Ap¡auk s\p v$¡$hmu ipMpdp„ k¡Ba X$u`p¡TuV$ gp¡L$k®_u ìehõ\p L$f¡g R>¡.

S>¡_p cpX$p_p„ v$$f _uQ¡ dyS>b fpMhpdp„ Aph¡g R>¡. _p_u kpBT ê$p. 500.00 dÝed kpBT ê$p. 700.00 dp¡V$u kpBT ê$p. 1000.00

9.õV$pa :- hj®_u iê$Apsdp„ b¢L$dp„ L$d®QpfuAp¡_u Ly$g k„¿ep 79 lsu s¡ `¥L$u 09 L$d®QpfuAp¡ r_h©s \sp„ r_h¡v$__p hj® ApMf¡

b¡ÞL$dp„ Ly$g L$pedu L$d®QpfuAp¡ 70 R>¡ Äepf¡ r_h©s \e¡g 6 L$d®QpfuAp¡_¡ b¢L$_u L$pdNufu_u S>ê$fueps Ýep_¡ gB ra¼k `Npf\u _p¡L$fudp„ Qpgy fpM¡g R>¡. s¡ D`fp„s d¡_`phf kàgpef L„$`_u ̀ pk¡\u X$¡àeyV$¡i_ D`f g¡hpdp„ Aph¡g 17 L$d®QpfuAp¡ dmu Ly$g 93 L$d®QpfuAp¡ afS> bÅh¡ R>¡.b¢L$_u S>ê$fueps dyS>b S>¡ s¡ hMs¡ L$d®QpfuAp¡_¡ sprgddp„ dp¡L$ghpdp„ Aph¡ R>¡.10._pbpX®$ BÞõ`¡¼i_, klL$pfu Mpsp_y„ BÞõ`¡¼i_ s\p A¡`¡n b¡ÞL$ BÞõ`¡L$i_ :-

Ap b¡ÞL$_y„ sp.1-04-2012 \u sp.31-03-2014 kyû_y„ b¡ hj®_y„ _pbpX®$ sfa\u BÞk`¡L$i_ L$fhpdp„ Aph¡g R>¡. û.Æ.A¡k.ku. b¢L$ sfa\u sp.31-3-2014 kyû_y„ BÞõ`¡L$i_ L$fhpdp„ Aph¡g R>¡. Äepf¡ klL$pfu Mpsp sfa\u k_¡ 2014-2015_p hj®_y„ BÞõ`¡¼i_ Æëgp fÆõV²$pfîu (BÞõ`¡L$i_) klL$pfu d„X$muAp¡ fpS>L$p¡V$ sfa\u L$fhpdp„ Aph¡g R>¡.11.õV¡$ÃeyV$fu Ap¡X$uV$ :-

b¢L$_y„ k_¡ 2014-2015 _p hj®_y„ õV¡$ÃeyV$fu Ap¡X$uV$ _pbpX®$ A¡âyìX$ `¡_g `f_p Ap¡X$uV$f îu A¡k A¡k A¡d A¡ÞX$ L$py„.(ku.A¡.)cph_Nf$ sfa\u L$fhpdp„ Aph¡g R>¡. s¡Ap¡îuA¡ b¢L$_p L$pdL$pS>\u k„sp¡j ìe¼s L$f¡g R>¡. A_¡¡ Ap¡X$uV$ hN}L$fZ dpV¡$_u _pbpX®$_u NpBX$ gpBÞk A_ykpf Ap`Zu b¢L$_¡ k_¡ 2014-2015 _p hj® dpV¡$ ̀ Z Ap¡X$uV$ hN® "A' Ap`¡g R>¡. Apd b¢L$_¡ kss 7 hj®\u Ap¡X$uV$dp„ "A' hN® dm¡g R>¡. S>¡ Ap`Zp kp¥_p dpV¡$ Np¥fh_u hps R>¡.12.L$¡.hpe.ku._p¡çk®_u ̀ ys®sp A„N¡ :-

Ap sL$¡ b¢L$_p dp_r_e N°plL$p¡_¡ rh_„rskl S>Zphhp_y„ L$¡, fuTh® b¡ÞL$ Ap¡a BÞX$uep_u ""sdpfp N°plL$p¡_¡ Ap¡mMp¡'' (L$¡.hpe.ku.)_p¡çk® dpN®v$ri®L$p A_ykpf v$f¡L$ \p`Zv$pf_u Ap¡mM s\p kf_pdp„_p `yfphp L$¡.hpe.ku. _p¡çk® A_¡ A¡ÞV$ud_u gp¡ÞX$f]N (A¡.A¡d.A¡g.)_p r_edp¡ âdpZ¡ afÆeps d¡mhhp_p \sp lp¡e v$f¡L$ Mps¡v$pfp¡A¡ `pk`p¡V®$ kpBT_p ap¡V$p - 3 s\p Ap¡mM_p s\p kf_pdp„_p„ `yfphp s\p Ap^pf L$pX®$_u _L$g b¢L$_u S>¡ s¡ ipMpdp„ Apù S>hp rh_„su L$fhpdp„ Aph¡g s¡d R>sp„ L$¡V$gpL$ N°plL$p¡ s\p \p`Zv$pfp¡ sfa\u lSy> ̀ ys®sp L$fhpdp„ Aph¡g _\u. sp¡ S>¡ s¡ ipMpdp„ KYC A„N¡_p Ap^pf ̀ yfphp Apù S>hp rh_„su L$fhpdp„ Aph¡ R>¡. S>¡ Mpspdp„ KYC Ap`¡g _\u s¡hp sdpd Mpsp fuTh® b¢L$_p r_edp¡ A_ykpf b¢L$ Üpfp õ\Nus L$fhpdp„ Aph¡g R>¡ S>¡dp„\u L$p¡B`Z Ås_u g¡hX$ v$¡hX$ L$fhp v$¡hpdp„ Aphi¡ _l] S>¡_u _p¢^ g¡hp rh_„su.

ê$p.50 lÅf L$¡ s¡_p\u h^pf¡ fL$d_p fp¡L$X$ ìehlpfp¡dp„ AphL$h¡fp Mpsp sfa\u v$f¡L$ \p`Zv$pfp¡/N°plL$p¡ dpV$¡ `p_ _„bf/`p_L$pX®$ Ap`hp_y„ afÆeps L$fhpdp„ Aph¡g R>¡. S>¡\u ê$p.50,000 lÅf L$¡ s¡_p\u h^pf¡ fL$d_u dyv$sb„û \p`Z_p Mps¡v$pfp¡/N°plL$p¡A¡ ̀ p_L$pX®$ d¡mhu s¡_u T¡fp¡n _L$g b¢L$dp„ fSy> L$fu v$¡hu S>¡\u \p`Z ìepS>dp„\u BÞL$dV$¡n_u fL$d TDS L$`ps _ \pe sp¡ Ap bpbs¡ Mpk L$pmÆ fpMhp rh_„su L$fhpdp„ Aph¡ R>¡.

L$¡.hpe.ku. X$p¡¼eyd¡ÞV$k _ d¡mhhp_p qL$õkpdp„ fuTh® b¢L$ sfa\u b¢L$p¡_u dp¡V$u fL$d_u `¡_ëV$u L$fhpdp„ Aph¡ R>¡.S>¡\u sdpd N°plL$p¡A¡ L$¡.hpe.ku X$p¡¼eyd¡ÞV$k b¢L$_u S>¡s¡ ipMpdp„ AQyL$ Apù S>hp afu\u rh_„su L$ê„$ Ry„>.

5

sp.31-03-2015 _p fp¡S> b¡ÞL$ l¡X$ Ap¡auk kp\¡ Ly$g 12 ipMpAp¡ ^fph¡ R>¡. s¡Ap¡_p„ _pd _uQ¡ âdpZ¡ R>¡.

(1) l¡X$ Ap¡auk

(2) Apguv$f ipMp

(3) v$¡$hmu ipMp

(4) tk^pS> ipMp

(5) `¡Y$phpX$p ipMp

(6) rdrsepS> ipMp

(7) R>pR>f ipMp

(8) AfZ¡S> ipMp

(9) dpgNpd ipMp

(10) L$X$p¡v$fp ipMp

(11) hX$_Nf ipMp

(12) dpL£$V$]N epX®$ ipMp


6

Ap`_p¡ klL$pfu

(âsp`tkl A¡k.X$p¡X$uep)

Q¡fd¡_

û L$p¡X$u_pf spgyL$p L$p¡.Ap¡`f¡V$uh b¡ÞL$]N eyr_e_ gu.L$p¡X$u_pf.

õ\m : L$p¡X$u_pf spfuM : 12-6-2015

b¢L$_p rhL$pkdp„ S>¡Ap¡_y„ A_Þe A_¡ Ar_hpe® ep¡Nv$p_ füy„ R>¡ A¡hu klL$pfu k„õ\pAp¡ Ap` kp¥ kcpkv$p¡ b¢L$_p N°plL$p¡ A_¡ \p`Zv$pfp¡ A¡ Adyëe kde apmhu ApS>_u kp^pfZ kcpdp„ lpS>f fl¡g R>¡ s¡ kp¥_p¡ Ap sL¡$ lpqv®$L$ Apcpf dp_y„ Ry>„.

û NyS>fps fpÄe klL$pfu b¢L$_p Q¡fd¡_îu AS>ecpB ̀ V¡$g kpl¡b, Qua A¡¼Tu¼eyV$uh âqv$`cpB hp¡fp kpl¡b A_¡ AÞe Ar^L$pfuAp¡A¡ Ap`Zu b¢L$_p DÐL$j®dp„ b¢L$_u S>ê$fueps_p kde¡ _pZp„L$ue khgsp¡ s¡dS> dpN®v$i®_ Ap`¡g R>¡. s¡ bv$g s¡ kh£_p¡ AÓ¡ Apcpf ìe¼s L$ê„ Ry„>

îu fÆõV²$pf kpl¡b k.d„ (NyS>fps fpÄe) Np„û_Nf,Å¡BÞV$ fÆõV²$pfîu, klL$pfu d„X$muAp¡ (NyS>fps fpÄe) Np„û_Nf, Æëgp fÆõV²$pfîu klL$pfu d„X$muAp¡ Sy>_pNY$ s\p Æëgp fÆõV²$pf kpl¡b k.d„.Nuf kp¡d_p\ s\p b¢L$_p õV¡$ÃeyV$fu Ap¡X$uV$f îu A¡k A¡k A¡d A¡ÞX$ L$py„. (ku.A¡) cph_Nf A_¡ klL$pf Mpsp_p Ar^L$pfuîuAp¡A¡ Ap b¢L$_p rhL$pkdp„ s\p b¢L$_p dlÐh_p âñp¡_p r_fpL$fZdp„ Adyëe dpN®v$$i®_ Ap`¡g R>¡ s¡ kh£_p¡ Apcpf dp_y„ Ry„>.

Ap b¢L$_u âNrsdp„ A_¡ b¢L$_p S>ê$fueps kde¡ lfl„d¡i dv$v$ê$` \hp bv$g _pbpX®$_p Qua S>_fg d¡_¡S>fîu dyv«Ng¡ kpl¡b, X$uõV²$uL$V$ X¡$hg`d¡ÞV$ d¡_¡S>fîu S>¡.V$u.Tpgp kpl¡b s¡dS> _pbpX®$_p sdpd õsf_p Ar^L$pfuîuAp¡_p¡ Apcpf dp_y„ Ry>„

Ap`Zu b¢L$_p dlÐh_p âñp¡ A„N¡ Äepf¡ S>ê$f S>Zpe Ðepf¡ fpÄe kfL$pfîu kdn ê$bê$ fSy>Apsp¡ L$fu r_fpL$fZ L$fhp lfl„d¡i s¥epf fl¡_pf Sy>_pNY$ Æëgp_p dpÆ kp„kv$ îu qv$$_ycpB kp¡g„L$u _p¡ ApS>_u sL¡$ A„s:$L$fZ `|h®L$ Apcpf dp_y„ Ry„>.

b¢L$_p dpfp kh£ X$uf¡¼V$f rdÓp¡A¡ s\p b¢L$ k„ep¡Æs klL$pfu d„X$muAp¡_p âdyMîuAp¡,ìehõ\p`L$ L$duV$u_p kæeîuAp¡ s\p d„ÓuîuAp¡A¡ b¢L$_p rhL$pkdp„ S>¡ kp\ klL$pf Ap`¡g R>¡ s¡ kh£_p¡ lz„ Apcpfu Ry>„.

b¢L$_u \p`Zp¡ h^pfhpdp„ Adyëe kp\ klL$pf Ap`hp bv$g îu rbg¡ðf Mp„X$ DÛp¡N L$p¡X$u_pf_p Q¡fd¡_îu _Vy$cpB hpmp d¡_¡Æ„N X$uf¡¼V$fîu fpS>_cpB h¦i s\p s¡ k„õ\p_p bp¡X®$ Ap¡a X$pef¡L$V$k®_p¡ Apcpf dp_y„ Ry>„.

b¢L$_p S>_fg d¡_¡S>fîu s\p sdpd Ar^L$pfuAp¡/L$d®QpfuAp¡ s\p r_h©s \e¡g Ar^L$pfuAp¡/L$d®QpfuAp¡A¡ ̀ Z b¢L$_p L$pdL$pS>dp„ M„s r_›$p s¡dS> âdprZL$sp\u kpfu L$pdNufu bÅh¡g R>¡. A_¡ b¢L$_u âNrsdp„ DÑfp¡Ñf h^pfp¡ L$f¡g R>¡. s¡_u Ap sL¡$ Mpk _p¢^ gJ Ry„>..

`X$L$pfp¡_u Ap k„Oj®cfu `qf[õ\rs_p¡ kpd_p¡ L$fhp A_¡ b¢L$_u A¡L$qÓs Mp¡V$ OV$pX$hp A_¡ b¢L$_¡ Apr\®L$ fus¡ kÝ^f b_phhp_p cNuf\ L$pe®dp„ Ap` kp¥A¡ kq¾$e fus¡ kpd¡g \B fQ_pÐdL$ ArcNd A`_phu kp\ klL$pf Ap`¡g R>¡. S>¡ bv$g Ap` kp¥_p¡ Acpf dp_u rhfdy„ Ry„>.

Apcpf v$i®_


7

k_¡ 2014-2015_p hj®_u L$pdNufu_p¡ Al¡hpg _uQ¡ dyS>b R>¡.

A_y._„. rhNs

1

2

3

4

A. kfL$pfîu_p i¡f

b. klL$pfu d„X$muAp¡_p i¡f

L$. ìe[¼sAp¡_p i¡f

X$.fuL$¡`uV$gpBT¡i_ ApkuõV$Þk C.C.B.i¡f

Ly$g A¡L„$v$f

hj®_u iê$Aps_ubpL$u

hj® v$fçep_S>dp

hj® v$fçep_D`pX$

hj®_u ApMf_ubpL$u

1. i¡f c„X$p¡m :-

2. kcpkv$ :-k_¡ 2014-2015 _p hj® ApMf¡ kcpkv$_u k„¿ep _uQ¡ dyS>b R>¡.b. hN® klL$pfu k„õ\pAp¡.................122L$. hN® ìe[¼sAp¡..............................88 Ly$g A¡L„$v$f 210

3. hj®_p A„s¡ b¡ÞL$ kp\¡ k„ep¡Æs \e¡g kæe klL$pfu d„X$muAp¡_u rhNsp¡ _uQ¡ dyS>b R>¡.

A_y. _„.

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

M¡su rhjeL$ klL$pfu d„X$muAp¡

`Npfv$pf L$d®QpfuAp¡_u ifpau klL$pfu d„X$muAp¡

s¡gubuep DÐ`pv$$L$ klL$pfu d„X$muAp¡

vy$^ DÐ`pv$$L$ klL$pfu d„X$muAp¡

dSy>f bp„^L$pd klL$pfu d„X$muAp¡

Ap¥Ûp¡NuL$ klL$pfu d„X$muAp¡

lpDk]N L$p¡. Ap¡`. kp¡kpeV$u

N°plL$ klL$pfu c„X$pf klL$pfu d„X$mu gu.

klL$pfu$ M¡su_u klL$pfu d„X$muAp¡

dpÃR>udpf klL$pfu d„X$muAp¡

âp¡k¡k]N klL$pfu d„X$muAp¡

L$p¡X$u_pf _pNfuL$ klL$pfu b¢L$ gu.

L$p¡X$u_pf spgyL$p klL$pfu Mfuv$ h¡QpZ k„O gu.

L$p¡X$u_pf spgyL$p `u`ëk ¾¡$X$uV$ L$p¡. Ap¡`. kp¡kpeV$u gu.

L$p¡X$u_pf spgyL$p am A_¡ ipL$cpÆ DÐ`pv$L$ klL$pfu d„X$mu gu.

L$p¡X$u_pf spgyL$p klL$pfu râÞV$]N â¡k gu.

L$p¡X$u_pf ê$fg Bg¡L$V²$uL$ klL$pfu d„X$mu gu.

L$p¡X$u_pf spgyL$p àg¡V$u_d klL$pfu d„X$mu gu.

L$p¡X$u_pf spgyL$p klL$pfu ê$ h¡QpZ d„X$mu gu.

Apguv$f rhcpNue L$p¡V$_ `fQ¡BT k¡g A¡ÞX$ âp¡k¡k]N klL$pfu d„X$mu gu.

kp¡fW$ drlgp rhL$pk klL$pfu d„X$mu gu.

Q„Ö¡ðf _pNfuL$ ifpau klL$pfu d„X$mu gu.

X$p¡mpkp am A_¡ ipL$cpÆ DÐ`pv$L$ klL$pfu d„X$mu gu.

d„X$mu_p¡ âL$pf k„¿ep

60

14

12

04

06

02

02

03

04

02

01

01

01

01

01

01

01

01

01

01

01

01

01

122Ly$g...

(fL$d ê$p. gpMdp„)

0.00

618.20

0.11

16.61

634.92

0.00

54.50

0.00

0.00

54.50

0.00

0.00

0.00

0.00

0.00

0.00

672.70

0.11

16.61

689.42


8

A_y. _„. duV$]N_p¡ âL$pf

1

2

3

4

5

6

hprj®L$ kp^pfZ kcp

Mpk kp^pfZ kcp

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1.Report on the Financial Statements We have audited the accompanying financial statements of THE KODINAR TALUKA CO-

OPERATIVE BANKING UNION LIMITED, which comprise the Balance Sheet as at March 31, 2015, the Profit and Loss Account and the Cash Flow Statement for the year then ended and a summary of significant accounting policies and other explanatory information. Incorporated in these financial statements are the returns of all 11 branches audited by us. The branches audited by us have been selected by the bank in accordance with the guidelines issued to the bank by National Bank for Agriculture & Rural Development.

2.Management's Responsibility for the Financial Statements Management is responsible for the preparation of these financial statements in

accordance with the section 29 read with section 31 of Banking Regulation Act, 1949 and applicable Accounting Standards. This responsibility includes the design, implementation and maintenance of internal control relevant to the preparation and presentation of the financial statements that give a true and fair view and are free from material misstatement, whether due to fraud or error.

3.Auditor's Responsibility Our responsibility is to express an opinion on these financial statements based on our

audit. We conducted our audit in 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 reasonable assurance about whether the financial statements are free from material misstatement.

4.An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor's judgement, including the assessment of the risk of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the Bank's preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Bank's internal control. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of accounting estimates made by management, as well as evaluating the overall presentation of the financial statements.

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

Basis for Qualified Opinion(i)Leave Encashment liability is accounted for on cash basis whereas the same should be accounted for on accrual basis following actuarial valuation as required by Accounting Standard 15, 'Employee Benefits'. Exact impact of the same is thus not ascertainable.(ii)We draw attention to Note No 1 of (III) Notes to Accounts in “Notes Forming parts of Balance Sheet and Profit & Loss account” to the financial statements, which describes the accounting treatment of the past liability for gratuity provision and its impact on current year's profitability

12

INDEPENDENT AUDITOR's REPORT


13

6.OpinionIn our opinion, as shown by books of bank, except for the effects of the mater described in the Basis for Qualified Opinion paragraph, and to the best of our information and according to the explanations given to us, (a) the Balance Sheet, read with the notes thereon is a full and fair Balance Sheet

containing all the necessary particulars, is properly drawn up so as to exhibit a true and stfair view of the state of affairs of the bank as at 31 March, 2015 in conformity with the

accounting principles generally accepted in India ;(b) the Profit and Loss Account, read with the notes thereon shows a true balance of Profit

in conformity with the accounting principles generally accepted in India for the year covered by the account ; and

(c) the Cash Flow Statement, gives a true and fair view of the cash flows for the year ended on that date.

Report On Other Legal and Regulatory Requirements

7. The Balance Sheet and the Profit & Loss account have been drawn up in Forms “A” and “B” respectively of the Third Schedule to the Banking Regulation Act, 1949.8. Subject to the limitations of the Audit indicated in paragraph 1 to 5 above, except for the

effects of the mater described in the Basis for Qualified Opinion paragraph, we report that ;

(a) We have obtained all the information and explanations which to the best of our knowledge and belief were necessary for the purpose of our audit and have found them to be satisfactory.

(b) the transactions of the Bank, which come to our notice, have been within the power of the Bank.

(c) the returns received from the branches of the Bank have been found adequate for the purpose of our audit.

9. In our opinion, except for the effects of the mater described in the Basis for Qualified Opinion paragraph, the balance Sheet, Profit & Loss Account and Cash Flow Statement comply with the applicable Accounting Standards.

FOR S S M & Co.

CHARTERED ACCOUNTANTS

FRN : 129198W

M.RAFIK SHEIKH

Partner

M.No.106176

Bhavnagarth

28 May 2015


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A¡k A¡k A¡d A¡ÞX$ L$py„.QpV®$X®$ A¡L$pDÞV$ÞV$kFRN : 129198W

L$p¡X$u_pfspfuM :- d¡ 28 2015

59092850.0923812781.00

0.001414515.00

90100.0085405.00

413747.001146744.00

342597.600.00

5784717.26234233.67185046.00

68424.00127220.00

9052.003201.88

0.000.00

62932.0037200.00

110250.0052264.0050956.0042760.00

242916.4730100.00

606076.0036000.0079208.00

0.0010000.00

115100.001748.00

81566.000.00

42689.461952555.78

15103.001463235.00

124880.00

5500000.00

8370752.65

223643.45187369.00

88874.0098100.0015400.0014114.2414000.001350.00

56449.000.00

88104.0037773.0048396.53

6000.000.000.00

732287.0018871.00

479073.0080000.00

1100000.0077240.001999.00

89808.005200.00

206453.071874488.00

8454.002457397.58

400000.00272000.00124880.00

2767434.000.00

10469989.00505000.00

2495000.00

66928401.9723228586.58

8562.001895253.00

215850.0066071.72

351999.001217229.00

338369.000.00

8010843.87

17034303.0021460253.60

dp¡l„dv$ fauL$ A¡.i¡M`pV®$_f M.No.106176


(Apf.hu.hpmp)

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15

sp.31-3-2015 _u ApMf¡ `yfp \sp hj®_y„ _ap-_yL$ip_ `ÓL$

sp.31-3-2014 AphL$ sp.31-3-2015

99495489.16

502521.20

0.00

0.00

6056199.2498650.00

1808488.6224801.00

0.0028294.0028277.00

4000.000.00

525000.001100000.002237924.00

7979.000.00

192785.620.00

1. ìepS> A_¡ X$uõL$pDÞV$

2. L$dui_ A_¡ hV$ph

3. kbkuX$u A_¡ hV$ph

4. b¡ÞL$]N rkhpe_p L$pdL$pS> rdëL$sdp„\u AphL$ A_¡ h¡QpZdp„\u \e¡g _ap¡

5. AÞe AphL$

140755722.74106054209.60 Ly$g...

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109500.001522161.00

240947.00242555.78

14416.0156144.00

0.0015070.0080014.00

0.0015058989.00

0.00165350.00220829.64

122535714.42

394031.90

0.00

0.00

17825976.42

0.00

(Apf.A¡_.v$$prldp )

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1 îu âsp`tkl kyftklcpB X$p¡X$uep

2 îu _\ycpB fpdcpB fpd

3 îu d¡fpdZcpB fpZpcpB Åv$h

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16

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sp. 31-3-2014 c„X$p¡m s\p v$¡hy„ sp. 31-3-2015

63491900.000.00

61820356.001660844.00

10780.00

0.000.00

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10700.00

0.0092645453.32

9298472.698847508.091205112.00

60000.0055535000.00

10000.009067107.00

8622253.54

1081.7778077953.77

450680.0092538.00

0.00

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1. ìe[¼sAp¡_p2. k. d„X$muAp¡_p3. fpÄe kfL$pfîu_p ^pfZ L$f¡g i¡f

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1. klL$pf âQpf a„X$2. õV$pa N°¡ÃeyBV$u a„X$3. M¡su rhL$pk a„X$4. õV¡$V$ g¡hg âp¡S>¡¼V$ a„X$5. L$¡ùV$g N°pÞV$

1. c„X$p¡m

1. Ar^L©$s i¡f c„X$p¡m

2. hl¢Qpe¡gy„ i¡f c„X$p¡m

3. cf`pB A_¡ hkyg Aph¡g i¡f c„X$p¡m

4. D`f_p ÓZ `¥L$u

2. fuTh® a„X$ A_¡ AÞe fuTh®

AÞe a„X$p¡¡ (fuTh®)

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0.0067270556.00

1660844.0010700.00

9423352.699113508.091205112.00

60000.0041500000.00

10000.008853274.00

18953551.54

68942100.00

89118798.32

10700.0067270556.00

0.00

1081.7717309251.77

450680.0092538.00

1100000.00

sp.31-3-2015_p fp¡S>_y„ kfh¥ey„


17

sp.31-3-2015 _p fp¡S>_y„ kfh¥ey

sp.31-3-2014 rdëLs s\p ël¡Zp„ sp. 31-3-2015

59017573.88

395287613.68

1039613.68

0.00

394248000.00

0.00

3712800.00

0.00

0.00

0.00

0.00

3600000.00

112800.00

0.00

0.00

0.00

0.00

0.00

859463612.68

701587197.43

0.00

116938110.43

59247419.00

25361101.00

75112846.00

41093301.00

2730025.00

75865.00

lp\ D`f s\p fuTh® b¢L$, õV$¡V$ b¢L$ Ap¡a BÞX$uep fpÄe klL$pfu

b¢L$dp„ A_¡ dÝeõ\ klL$pfu b¢L$p¡dp„

1. Qpgy \p`Z

2. bQs \p`Z

3. dyv$sb„^u \p`Z

1. dÝeõ\ A_¡ fpÄe kfL$pfîu_u Ådu_Nufu

Mfuv$ qL„$ds

v$pi®r_L$ qL„$ds

2. AÞe V²$õV$u Ådu_NufuAp¡dp„

3. klL$pfu k„õ\pAp¡_p i¡fp¡ (_uQ¡_u rhNs _„. 5 rkhpe_p)

4. NyS>fps õV¡$V$ aV$}gpBTf L„`_u_p i¡fp¡dp„

5. BÞh¡õV$d¡ÞV$ V$d® d_u bp¡fp¡BN hu\ _pbpX®$

1. dÝeõ\ klL$pfu b¢L$p¡_p i¡fp¡dp„

2. âp\rdL$ M¡.rh. k. d„X$muAp¡_p i¡fp¡dp„

3. AÞe d„X$muAp¡_p i¡fp¡dp„

A. A¡kpB_d¡ÞV$ r^fpZ

1. D`fp¡¼s `¥L$u ìe[¼sAp¡_¡ r^fpZ

2. dyv$srhs¡g r^fpZ

3. A„v$pS>¡gy„ iL$d„v$$ ël¡Ï„

A. kfL$pfîu A_¡ Ådu_Nufu spfZ kpd¡

b. AÞe hpõsrhL$ Ådu_Nufu D`f_p r^fpZp¡ `¥L$u

1. ìe[¼sAp¡_¡ r^fpZ

2. dyv$s rhs¡g fL$d

3. A„v$pS>¡gy iL$d„v$ ël¡Ï„

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90000000.00

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2. AÞe b¢L$p¡dp„ rkgL$

3. Vy„$L$u dyv$s A_¡ L$p¡g \p`Z4. fp¡L$pZp¡

5. dy¿eNp¥Z fpÄe cpNuv$pfu a„X$dp„ fp¡L$pZ

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158425.18

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3600000.00

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289672425.18

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18

sp. 31-3-2014 c„X$p¡m s\p v$¡hy„ sp. 31-3-2015

0.000.000.000.00

851193883.28

340534536.320.00

32829797.00

425702670.940.00

31354931.31

17074169.010.00

3697778.700.00

304052000.00

295000000.000.000.00

9052000.000.00

0.000.00

0.000.000.00

0.000.00

3. dy¿e Np¡Z fpÄe cpNuv$pfu a„X$ Mps¡ 1. dÝeõ\ klL$pfu b¢L$p¡_p i¡f2. M¡. rh. d„X$muAp¡_p i¡f3. AÞe d„X$muAp¡_p i¡f

1. ìe[¼sAp¡_u \p`Z2. dÝeõ\ kl. b¢L$p¡_u \p`Z3. AÞe kl. d„X$muAp¡_u \p`Z

1. ìe[¼sAp¡_u \p`Z2. dÝeõ\ kl. b¢L$p¡_u \p`Z3. AÞe kl. d„X$muAp¡_u \p`Z

1. ìe[¼sAp¡_u \p`Z2. dÝeõ\ kl. b¢L$p¡_u \p`Z3. AÞe kl. d„X$muAp¡_u \p`Z4. L$p¡g A_¡ Vy„$L$u dyv$s_u _p¡V$uk_u \p`Z

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4. \p`Zp¡ A_¡ AÞe MpspAp¡1. dyv$sb„^u \p`Z

2. bQs \p`Z

Qpgy \p`Z

5. L$S>®

0.000.000.00

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34054206.00

459358493.000.00

30869067.94

14510529.250.00

5363829.680.00

307600000.000.000.00

9996100.000.00

0.000.00

0.000.000.00

0.000.00

916730953.86

317596100.00

0.00

sp.31-3-2015 _p fp¡S>_y„ kfh¥eyklL$pfu d„X$muAp¡_¡ gpNy `X$sp 1949_p b¡ÞL$]N f¡Áeyg¡i_ A¡¼V$_u L$gd 29 AÞhe¡ _½$u $\e¡g ap¡d®-A¡


19

sp. 31-3-2014 rdëL$s A_¡ ël¡Zp„ sp. 31-3-2015

82763569.25

25665572.2552219098.0025900156.00

0.0024758828.00

9209860.000.000.00

108920496.00113581.00

0.0010231499.00

1032940.002959993.001455776.00

10616039.0016340.0072522.00

50.0020460.00

0.0025092.00

0.000.00

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0.000.00

1172657.00300000.00

3802718.004613580.00

0.00

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D`f_p `¥L$udyv$s rhs¡g ìepS>A„v$p>¡Sgy A_¡ iL$d„v$

.

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7. dmhp`pÓ ìepS>

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7932104.000.00

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13278.0017820.00

164800.00400000.00

1608111.002932068.00

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ApS> spfuM_p fu`p¡V®$ s¡dS> b¢L$_p k_¡ 2014-2015 _p lh¡ `R>u_p Ap¡X$uV$ _p¢^_p fu`p¡V®$_¡ Apû_ âdpZus L$ey®

20

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0.0036411000.0023559430.26

15321551.00269680.00

0.000.00

35842.001363500.00

0.000.000.00

2200000.002580200.00

2366.004663.00

151096.000.00

1700000.003217655.003678000.00112123.00

0.00426.00

6000.000.00

0.000.000.00

0.000.00

1. kbkuX$u qfTh® A¡N°u ¼gu_uL$ A¡N°u rbT_¡i gp¡_2. BÞL$dV$¡n _p.h.2014-153. X$uaf BÞL$d V$¡n gpepbuguV$u4. Ap`hp`pÓ V$¡guap¡_ s\p Bg¡¼V²$uL$ bug (3191+28125)5. Ap`hp`pÓ `Npf (A¡¼kN°¡kuep)6. Ap`hp`pÓ L$fS> ìepS> (Æ.A¡k.ku.b¢L$)7. A^k® A¡k¡V$ kpd¡ âp¡huT_8. hkygps kfQpS®>9. õV$pÞX$X®$ A¡k¡V$ kpd¡ L$ÞV$uS>ÞV$ âp¡huT_10. klL$pfu d„X$mu kbkuX$u11. krh®kV$¡n L$g¡L$i_12. X$u`p¡TuV$ A_pds13. Ap`hp`pÓ Ap¡X$uV$ au14. v$pNu_p lffpÆ A_pds Mps¡15. Ap`hp`pÓ ku.bu.A¡k.V$u.ku.A¡k.au16. vy$^pmp ìy gp¡_ kbkuX$u A_pds17. S>du_ lffpÆ A_pds Mps¡18. S>du_ lffpÆ X$u`p¡ÆV$ ìepS>19. N©`d„Óu apmp Mps¡20. `pL$ rhdp rârded21. Ap`hp`pÓ bug22. L$ÞV$uT¡Þku fuTh®

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sp.31-3-2015 _p fp¡S>_y„ kfh¥ey

A¡k A¡k A¡d A¡ÞX$ L$py„.QpV®$X®$ A¡L$pDÞV$ÞV$kFRN : 129198W

(dp¡l„dv$ fauL$ A¡.i¡M)`pV®$_f M.No.106176


21

sp. 31-3-2014 rdëL$s s\p ël¡Zp„ sp. 31-3-2015

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140755722.74106054209.60

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THE KODINAR TALUKA CO-OPERATIVE BANKING UNION LTD.KODINARA

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(R.V.Vala)Chief Accountant

(R.N.Dahima)General Manager

The Kodinar Taluka Co.Operative Banking Union Ltd.Kodinar

OTHER EXPENDITURE

5659837.26 Total

234233.67185046.0068424.00

115100.009052.00

62932.000.00

110250.0042760.0036000.00

606076.000.00

30100.0010000.0050956.00

0.0052264.00

242916.47127220.0037200.0079208.00

3201.880.00

1748.0081566.0015103.00

1952555.781463235.00

42689.46

Annexure Profit and Loss

31-Mar-14

1.Oil & Lubricant Expense2.Sarbhara Exp.3.Vehicle Repairing Exp.4.Jeep Freight Expense5.Annual Meeting 6.Xerox Expenses 7.Cash Transfer Vehicle Expences8.Computer Repairing Exp.9.Staff Training Exp.10.Staff Group Insurance Exp.11.Choksi Charge12.Reward Incetive13.Board of Director Training Exp.14.Grant Transfer15.Clearing House Charge16.PACS Sasaktikaran Training Exp.17.Profassional Fess18.S.R.O.Salary Exp.19.Branch Vehicle Freight20.Farmer Function Exp.21.Sabhasad Accident insurance Pri.22.Cash Tranjection Charge23.CCIL Charge24.Lavajam Exp.25.Contizensi Exp.26.Staff Retirments Ceremony Exp.27.CBS TCS Fess Exp.28.CBS Helpdesk Suport Staff Exp.29.Itar Utpan Exp.

223643.45187369.00

88874.0077240.0015400.0056449.0014000.0088104.006000.00

18871.00732287.00

80000.000.00

1100000.0048396.535200.00

37773.000.00

98100.000.00

479073.0014114.241350.001999.00

89808.008454.00

1874488.002457397.58206453.07

98650.001808488.62

24801.000.00

28277.000.000.00

525000.0028294.00

1100000.002237924.00

4000.000.00

7979.000.000.00

192785.62

1.Locker Freight Income2.Service Charge3.Statnory Income4.Income tax Refund5.Vima Charge6.Vaidhnathan Comm.Training7.CDF Assistants (Nabard)8.ING/Exide Life Insurance Commi.9.Post and Tele.Income10.Apex Bank Car Purchase Grant11.N.P.A.Provision Reverse12.PACS Sasaktikaran Training Exp.13.Computer Software Liacence fee14.Board of Director Traveling allow15.Right of Information ACT fee16.Nominal Member fes17.Itar Utpan Income

109500.001522161.00240947.00

15070.00156144.00

0.000.00

80014.0014416.00

0.0015058989.00

0.00242555.78

0.000.00

165350.00220829.64

31-Mar-15 31-Mar-14 OTHER RECEIPTS 31-Mar-15

8010843.87 6056199.24 Total 17825976.42

23

THE KODINAR TALUKA CO-OPERATIVE BANKING UNION LTD.KODINARANNUAL REPORT

2014-2015

24

1.CAPITAL(i) Authorized share capitalA Class shares of Rs.100/-each to be allotted to Govt.

B Class shares of Rs.100/- be allotted to Co-op.SocietiesC Class shares of Rs.100/- each to be allotted Individual

(ii) & (iii) Subcribed Capital & Amount called upA Class shares of Rs.100/-each to be allotted to Govt.B Class shares of Rs.100/- be allotted to Co-op.Societies Class shares of Rs.100/- be allotted Recapi.Asst.CCBs ShareC Class shares of Rs.100/- each to be alloted Individual(ii) above held by(a) Individual(b) Co-Operative Institutions(c) State Government2.RESERVE FUND & OTHER RESERVE(i) Statutory Reserve(ii) Agri (Credit stabilization fund)(iii) Building fund(iv) Dividend equalization fund(v) Special Bad Debts Reserve(vi) Bed & Doubtful Debts.(vii) Investment and Depreciation Reserve(viii) Revaluation Reserve

(ix) Other Fund1. Staff Gratuity fund2. Co-Op.Propaganda fund3. State level project fund4. Agri. Development fund5. Bank Guarantee Reserve Fund6. Capital Grant

3.PRINCIPAL / SUBSIDIARY STATE PARTNERSHIP FUND ACCOUNT : for share capital of :(i) Central Co-Op.Bank(ii) Primary Agri.Credit Societies(iii) Other Societies

31-03-2014 CAPITAL & LIABILITIES 31-03-2015

63491900.00

92645453.329298472.698847508.091205112.00

60000.000.00

55535000.0010000.00

9067107.00

8622253.548077953.77

1081.7792538.0

450680.000.000.00

0.00

0.000.000.00

150000000.00

50000000.00

99988000.0012000.00

0.0067270556.00

1660844.0010700.00

9423352.699113508.091205112.00

60000.000.00

41500000.0010000.00

8853274.0018953551.54

0.000.000.00

68942100.00

89118798.32

0.00

156137353.32 Total Rs. 158060898.32

10700.0067270556.00

0.00

17309251.771081.77

92538.00450680.00

0.001100000.00

Section 29 Form ''A''st Balance Sheet as on 31 March, 2015


2014-2015

25

1.CASHin hand and with Reserve Bank,State Bank of india, State Co-op.Bank and central Co-Op.Bank2.BALANCES WITH OTHER BANKS(i) Current Deposits(ii) Saving Bank Deposits(iii) Fixed Deposits

3.MONEY AT CALL AND SHORT NOTICE

4.INVESTMENTS :(i) in Central and Govt. securities (at bookvalue) Face Value Rs. Market Value Rs.(ii) Other trustee securities(iii) Shares in Co-op.Institutions other in item (5) below(iv) Other Investments1. Gujarat State Fert.Co.LTD.Bajava2. Investment TMBS with Nabard3. Stock Holding Corporation of india

5.INVESTMENTS OUT OF THE PRINCIPAL SUBSIDIARY STATE PARTNERSHIP FUND in Share of :(i) Central Co-op.Bank(ii) Primary Agri.Credit Society(iii) Other securities

6.ADVANCES :1.Short term loans cash credit & overdrafts and bills discount of which secured against :(A) Government and other approved securities

(B) Other tangible securities@

(C) Assignment Dues

Of which IndividualsAmount overduesConsidered as bad and doubtful

31-03-2014 ASSETS & PROPERTIES 31-03-2015

59017573.86

395287613.681039613.68

0.00394248000.00

0.00

3712800.000.000.000.00

3600000.00112800.00112800.00

0.000.00

0.00

0.000.00

859463612.68

701587197.43

0.00

116938110.4059247419.0025361101.00

158425.180.00

289514000.00

88593000.00

03600000.00

10075200.00

0.000.000.00

808276436.35

0.00

72252707.46

289672425.18

0

102268200.00

0

975237304.19

1317481600.22 Total Rs. 1439430636.83

90000000.0089902330.00

75200.0010000000.00

0.00

0.00

0.00

133994400.4043992384.0011864200.00



2014-2015

4. DEPOSITS AND OTHER ACCOUNTS(i) Fixed Deposit(a) Individuals(b) Central Co-Operative Bank(c) Other Societies(ii) Saving Deposits(a) Individuals(b) Central Co-Operative Bank(c) Other Societies(iii) Current Deposits(a) Individuals(b) Central Co-Operative Bank(c) Other Societies(iv) Money at call and short notice(a) Individuals(b) Central Co-Operative Bank(c) Other Societies5. BORROWINGS :(i) From the Reserve Bank of india, State/Central Co.op.Bank :(a) Short term loans, cash credit and Overdrafts(A) Govt.and other approved securities(B) Other tangible securities @(b) Medium term loans of which secured against(A) Govt.and other approved securities(B) Other tangible securities @(c) Long term loans of which secured against(A) Govt.and other approved securities(B) Other tangible securities @(ii) From State Bank of india(a) Short term loans, cash credit and Overdrafts of which securities against :(A) Government and other approved securities(B) Other tangible securities @(b) Medium term loans of which secured against :(A) Govt.and other approved securities(B) Other tangible securities @(c) Long term loans of which secured against :(A) Govt.and other approved securities(B) Other tangible securities @(iii) From the state Governmet(a) Short term loans securities against :(A) Government and other approved securities(B) Other tangible securities @(b) Medium term loans of which secured against :(A) Govt.and other approved securities(B) Other tangible securities @(c) Long term loans of which secured against :(A) Govt.and other approved securities(B) Other tangible securities @

CAPITAL & LIABILITIES

1311383236.60 Total Rs. 1392387952.18

156137353.32851193883.28

340534536.320.00

32829797.00

425702670.940.00

31354931.31

17074169.010.00

3697778.70

0.000.000.00

304052000.00

295000000.000.00

9052000.000.00

0.000.00

0.000.000.00

0.00

0.00

0.00

0.00

0

0.00

0.000.00

0.000.00

0.000.00

0.000.00

B.F.

372574828.000.00

34054206.00

459358493.000.00

30869067.94

14510529.240.00

5363829.68

0.000.000.00

307600000.000.00

9996100.000.00

0.000.00

0.000.000.00

0.00

0.00

0.00

0.00

158060898.32916730953.86

317596100.00


31-03-2014 31-03-2015

26


2014-2015

2. Medium term loans of which secured against(A) Government and other approved securities(B) Other tangible securities @

Of which IndividualsAmount overduesConsidered as bad doubtfull3. Long term loans of which secured against(A) Government and other approved securities

(B) Other tangible securities @

Of which IndividualsAmount overduesConsidered as bad doubt full

7. INTEREST RECEIVABLEOf which IndividualsConsidered as bad doubt full recovery8. OTHER CHARGES RECEIVABLE9. BILLS FOR RECEIVABLE BEING BILLS FOR COLLECTION (As per contra)10.RECEIVABLE INTEREST OF NPA DUES11.BRANCH ADJUSTMENT12.PREMISES LESS DEPRECIATION13.FURNITURE AND FIXTURES LESS DEPRECIATION

14.OTHER ASSETS1.S.R.O Deposite2.Printing & Stationary Stock3.Special Ad.Stamp Stock4.Court Deposite5.Reci'ble Intrest Govt.Security6.Reci'ble Intrest Investments7.Post ticket Stock8.Suspense Debit9.Lavad Court Decree Due10.Stock of Contingency11.Reci'ble Cenvat Credit12.Reci'ble Lavad fee13.CBS Project Commitment Deposit14.Sal TF Unposted A/C15.DEAF Receivable16.Group Secretary salary Contribution17.Reci'ble Interest Subvention from state Govt.18.Reci'ble Interest Subvention from GOI19.Reci'ble ING Commission

ASSETS & PROPERTIES

1477570752.22 Total Rs. 1563616192.96

1317481600.2275112846.00

41093301.002730025.00

75865.0082763569.25

25665572.2552219098.0025900156.00

24758828.009209860.00

0.000.00

113581.00

108920496.000.00

10231499.005448709.00

10616039.0016340.0072522.0020460.00

400000.000.000.00

50.000.00

174800.0025092.00

0.0017820.00

1172657.000.000.000.00

3802718.004613580.00

300000.000.00

53483644.593913104.00

50622.00

0.00

0.00

21896203.2550202400.0027230400.00

7932104.000.00

B.F.89235564.59

77725303.25

16340.00148326.00

6694.00400000.00

1608111.002932068.00

134.002049.00

164800.0029008.00

516774.2617820.00

0.0056.00

13278.000.00

2282672.006403783.00

0.00

1439430636.83

8420986.09

0.0099036.00

85590758.000.00

9960469.005572393.78

14541913.26


31-03-2014 31-03-2015

27


2014-2015

(iv). Loans from other sources (sources and security to be specified)

6.BILLS FOR COLLECTION BEING BILLS RECEIVABLE (As per contra)7.RECEIVABLE INTEREST RESERVE OF NPA DUES8.BRANCH ADJUSTMENT

9.OVERDUE INTEREST RESERVE

10.INTEREST PAYABLE11.OTHER LIABILITIES1.Group Secretary salary Contribution2.Income tax F.Y. 2014-153.Defer Income Tax Liability4.Payable Intrest on Borrowings5.Subsidy reserve of Co-Op.Society6.Crop Insurance Premium7.Contigent provision against Standard Assests8.Deposit Reserve9.Payable TCS Fee10.Xgratia Salary11.Service tax Collection12.Ornament auction deposit13.Interest Land auction deposit14.Provision against Other Assets15.Subsidy reserve of Dudhala Pashu Loan16.Land auction reserve17.Telephone and Electricity Bill payable (3191+28125)18.Payable Audit fee19.Subsidy reserve of Agri Clinic Agri Bussiness Loan20.Payable Bill21.Recovery Surcharge22.Contizency Reserve12.PROFIT AND LOSSLoss as per last balance sheetLess : AppropriationsAdd : Profit during the year brought from the Profit & loss account13.CONTIGENT LIABILITIES1.Out standing liabilities of issued guarantee2.Others

CAPITAL & LIABILITIES

1495709294.86 Total Rs. 1563616192.96

1311383236.600.00

113581.00

108920496.000.00

36411000.00

23559430.2615321551.00

0.000.00

0.002580200.00

426.002200000.00

4663.001700000.001363500.00

2366.000.00

112123.000.00

3217655.003678000.00

35842.00151096.00269680.00

6000.000.000.000.000.000.000.00

0.00

18138542.640.00

21460253.600.00

B.F.0.00

1550142.002495000.00

505000.004374869.00

25802000.00815.51

2600000.0073067.00

0.001373851.00

834.0834283.00

112123.00272000.00

2495005.003678000.00

31316.00150169.00

40000.0080000.00

222323.00250000.00

1392387952.18

99036.0085590758.00

0.00

32500000.00

26797738.2322918997.59

3321710.96

As per our report of even date attachedFOR S S M & Co.CHARTERED ACCOUNTANTSF.R.No.129198W(CA-M.RAFIK SHEIKH)PARTNER M.No.106176PLACE : KODINARDATED : 28 May 2015


31-03-2014 31-03-2015

28


2014-2015

29

16 Non - Banking assets acquired from claims

17.Loss for the yearLoss as on 31.03.2014Profit during the yearAccumulated loss as on 31.03.2015

ASSETS & PROPERTIES

1477570752.22

0.00

18138542.64

B.F.

0.000.000.00

1563616192.960.00

0.00

1495709294.86 Total Rs. 1563616192.96

(R.V.Vala)Chief Accountant

(R.N.Dahima)General Manager


31-03-2014 31-03-2015

1. Shree Pratapsinh Sursinhbhai Dodia

2. Shree Nathubhai Rambhai Ram

3. Shree Meramanbhai Ranabhai Jadav

4. Shree Bharatbhai Ranabhai Dodia

5. Shree Parbatbhai Jivabhai Bhaliya

Chairman

Vice Chairman

Director

Director

Director


2014-2015

(I) 1. Background : THE KODINAR TALUKS CO-OPERATIVE BANKING UNION LIMITED was incorporated in

1912 and provides a complete suite of retail banking products. 2. Basis of preparation : The financial statements have been prepared and presented under the historical cost

convention on the accrual basis of accounting, unless otherwise stated and comply with generally accepted accounting principles, statutory requirements prescribed under the Banking Regulation Act 1949 and Co-operative Societies Act, circulars and guidelines issued by the Reserve Bank of India ('RBI') from time to time, the Accounting Standards ('AS') issued by the Institute of Chartered Accountants of India ('ICAI') and current practices prevailing within the banking industry in India.

3. Use of estimates : 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 date of the financial statements. Actual results could differ from those 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.

(II) Significant Accounting Policies : 1. Accounting Convention : The financial statements are drawn up in accordance with the historical cost convention and

on going concern basis.

The Bank has followed accrual system of accounting except in the cases where income /

expenses are recognized on cash basis, i.e. Interest / discount on non-performing

advances, Dividend on investment, Salary arrears, and Rent of Safe deposit vault. Leave

encashment benefit to employees are accounted for on cash basis.2. Investments : 2.1 Categorisation of investment : In accordance with guidelines issued by RBI, the Bank classifies its investment as 'Held to

Maturity' - Securities acquired by the Bank with the intention to hold till maturity. 2.2Classification of Investments : For the purpose of disclosure in the Balance Sheet, Investments have been classified under

four groups as required under RBI guidelines Government Securities, Other trustee Securities, Shares in co-operative institutions and other Investments.

2.3 Valuation of Investments : (i) 'Held to Maturity' These investments are carried at their acquisition cost. Any premium on

acquisition is amortised over the balance period to maturity, with a debit to Profit & Loss Account. The book value of security is reduced to the extent of amount amortised during the relevant accounting period.

(ii)Broken period interest on debt instruments is treated as a revenue item. Brokerage,commission etc. pertaining to investments paid at the time of acquisition is charged to revenue.

30


stNotes forming part of the Balance Sheet as at 31 March 2015 and Profit and

stLoss Account for the year ended 31 March 2015

3. Advances : 3.1The classification of advances into Standard, Sub-standard, Doubtful and Loss assets as

well as provision on non-performing advances has been arrived at in accordance with the guidelines issued by the RBI from time to time. In addition to this, a general provision on standard assets has been made @ 0.40% of the outstanding amount on a portfolio basis except in the case of direct advances to agricultural and SME sector which has been made @ 0.25%.

3.2The overdue interest in respect of non-performing advances is provided separately under “Overdue Interest Reserve” as per the directives issued by RBI.

4. Fixed Assets and Depreciation: 4.1Fixed Assets are stated at cost less depreciation. Depreciation on assets have been

accounted for on Written Down Value basis except for computers and library books on which depreciation has been provided on Straight line method basis. Premises (including Land) are stated at the revalued amounts less depreciation. Cost includes incidental expenses incurred on acquisition of assets.

4.2Depreciation on fixed assets purchased during the year is charged for the entire year if the

asset is purchased and retained for 180 days or more; otherwise it is charged at 50% of the

normal rate. No depreciation is charged on fixed assets sold during the year.

5. Revenue Recognition (AS - 9) : 5.1 Items of income and expenditure are accounted for on accrual basis.

5.2Income from non-performing assets is recognised to the extent realised, as per the

directives issued by RBI.

5.3Interest on Government securities, debentures and other fixed income securities is

recognised on accrual basis.

5.4Dividend income is accounted on cash basis when the right to receive payment is

established.

5.5As per normal accounting standard and guidelines by the Central Banking Authority, the

bank has not reckoned any interest on advances wherein recovery of principle amount

and/or interest is considered doubtful by the management. Moreover, due to the application

of IRAC norms, the interest unrealized on NPA accounts is not recognized as interest.6. Employee Benefits (AS - 15) : 6.1 From Financial year 2014-15, in order to comply with AS 15, the bank has changed its

Accounting Policy significantly for gratuity liability from cash to accrual basis. Pursuant to the transitional provision of Accounting Standard 15 (Revised) on Employee Benefits an amount of ̀ 1,04,69,989, being a past liability has been debited to current year's Profit & Loss account.

6.2 Leave encashment benefit to employees is not accounted for on accrual basis. The bank has worked out for Leave Encashment also. As per bank, Leave Encashment liability came to ̀ 28,18,544 approx, which has not been provided for.

31


7. Segment Reporting (AS - 17) : Since the bank has only one 'Business Segment' as well as only one 'Geographical Segment'

as defined under AS-17, separate disclosures under these two segments are not given.8. Related Party Disclosures (AS - 18) : Since Mr. Pratsapsinh Dodiya, Chairman of the Bank is a single party under the category Key

Management Personnel, no further details need to be disclosed in terms of RBI circular dated 29th March, 2003.

9. Accounting For Taxes on Income (AS - 22) : 8.1 Provision for current tax is made on the basis of estimated taxable income for the year.

8.2 Deferred tax is recognised, subject to consideration of prudence, on timing difference,

representing the difference between taxable income and accounting income that originated

in one period and is capable of reversal in one or more subsequent periods. Deferred tax

assets and liabilities are measured using tax rates and tax laws that have been enacted or

substantially enacted by the Balance Sheet date.10. Impairment of Assets (AS - 28) : Since the bank has ascertained that there is no material impairment of any of its assets, no

provision on account of impairment of assets is required to be made.

11. Provisions, Contingent Liabilities and Contingent Assets : A provision is recognised when the Bank has a present obligation as a result of past event

where it is probable that an outflow of resources will be required to settle the obligation, in respect of which a reliable estimate can be made. Provisions are not discounted to its present value and are determined based on best estimate required to settle the obligation at the Balance Sheet date. These are reviewed at each Balance Sheet date and adjusted to reflect the current best estimates.

When there is a possible or a present obligation in respect of which the likelihood of outflow

of resources is remote, no provision or disclosure is made.

Contingent assets are not recognised in the financial statements. However, contingent

assets are assessed continually and if it is virtually certain that an inflow of economic

benefits will arise, the asset and related income are recognised in the period in which the

change occurs.

1.Up till last year, i. e., 2013-14, Retirement Benefits viz. gratuity and leave encashment was

accounted for on cash basis. From Financial year 2014-15, in order to comply, to comply

with AS 15, the bank has changed its Accounting Policy for gratuity liability from cash to

accrual basis.

An arrangement is being negotiated with LIC so that the annual contributions, calculated

actuarially by LIC, can be made each year. Benefits to employees on entitlement would in

such a case be paid by the LIC.

As per the actuarial calculation, till 31.03.2015, the total gratuity liability worked out to `

1,66,19,883.

(III) Notes to Accounts :

32


Pursuant to the transitional provision of Accounting Standard 15 (Revised) on Employee

Benefits an amount of ` 1,04,69,989 has been debited to current year's Profit & Loss

account. The said amount represent the difference between the liability in respect of gratuity

determined under AS 15 (Revised) up to 31.03.2014 (i.e., ` 1,85,47,943) and the liability

that existed on 31.03.2014 i.e., ̀ 80,77,954.

Due to change in Accounting Policy, total ̀ 1,32,37,423 was debited to Current Year's Profit

& Loss Account which represents (1) ̀ 40,06,125 being actual payment of gratuity to retiring

staff during F. Y. 2014-15, (2) ` 27,67,434 being Gratuity Provision for F. Y. 2014-15 (as per

actuarial calculation by LIC) and (3) ̀ 64,63,864 being Gratuity Provision of earlier years, till

31.03.2014 (as per actuarial calculation by LIC). ). Till 31.03.2015 the amount of total

provision required i.e., ` 1,66,19,883 was not transferred/paid to the LIC Group Gratuity

Scheme account.

The difference between the transitional liability and the liability that would have been

recognized at the same date under the bank's previous accounting policy, should be

adjusted immediately against opening balance of revenue reserve and surplus. The

difference i.e., ` 1,04,69,989, as calculated by LIC actuarial valuer (and not by

independent actuarial valuation) as on 31.03.2014 is debited to Profit & Loss account

instead of debiting it to free revenue reserve being a past liability as the bank does

not have any free revenue reserve till 31.03.2014. Only similar difference for current year

i.e., ̀ 27,67,434 is to be debited to current year Profit & Loss account since it is a current year

liability.

Also Qualifications arise as per AS 5 “Net Profit or Loss for the Period, Prior Period Items and

Changes in Accounting Policies” mainly due to change in accounting estimates by the

banks. The banks do not disclose the details of such items separately in the relevant year's

Profit & Loss account since the format of the profit & loss account for banks does not provide

any matching head of item for making such disclosures.

Leave encashment benefit to employees is not accounted for on accrual basis. The

bank has worked out for Leave Encashment also. As per bank, Leave Encashment liability

came to ` 28,18,544 approx, which has not been provided for. This is a violation of

Accounting Standard 15.

2.In order to comply with AS 22, “Accounting For Taxes on Income” the bank has calculated

deferred tax liability from this year. Bank has debited ̀ 5,05,000 to Profit & Loss account by

crediting it to Deferred Tax Liability in Balance Sheet.

3.Outstanding entries in Inter Branch Account have been reconciled up to 31.03.2015.

4.The bank has preferred claim for recapitalization assistance under revival package for STCC

during the year 2008-09 as under:

33


The amount above claim is pending with NABARD, R.O., Ahmadabad till the

date of audit.

5.Contingent Liability :

Claim against bank not acknowledged as debt is of ` 5,10,000. According to information

given by the bank, an ex-employee, Mr J. J. Vansh has filed a legal suit against bank for his

salary etc dues.

6.Previous year's consolidated figures have been regrouped/ rearranged wherever

considered necessary to make them comparable with those of current year.

Out of the above NABARD has sanctioned the claim as under :

34

As per our Report of even date attached

For S S M & Co

Chartered Accountants

FRN : 129198w

MOHMADRAFIK A. SHEIKH

Partner

M. No. 106176

Bhavnagarth28 May 2015

For Kodinar Taluka Co-Op

Banking Union Limited

R N. Dahima

General Manager

R. V. Vala

Chief Accountant

Kodinar

Sr.No. Description Amount `

GOI shares

DCCB Shares

Total...

1

2

3,66,15,422

20,43,992

3,86,59,414

Sr.No. Description Amount `

GOI shares

DCCB Shares

Total...

1

2

1,75,86,866

16,60,844

1,92,47,710


35

Sr.No.

ANNEXURE (Disclosure)

Particulars

As on 31 March 2015 (Rs. In Lacs)

Investments (Only SLR) - with break-up under permanent and current category Under

Current category with the following break-up.

a. Book value and face value of investments

b. Market value of investments

Note : Investment include fixed deposits with GSCs Bank Rs.2804.00 Investment

Govt.Security Rs.885.93 Face Value Rs.900.00, Book Value Rs.885.93, Market Vakue Rs.899.02

(Further, as regards NON-SLR investment, instruction for disclosure already issued vide

RBI circular RPCD Co.RF BC No. 65/07.02. 03/2003-04 dated February 23, 2004 Should

be strictly adhered to)

1. Current/ Saving Deposit

2. Agri Credit fixed Deposit

3. Investment TMBs with NABARD

4. Others Investment in Shares in Institution

Amounts

3689.93

3703.02

499.93

91.14

100.00

36.75

1.

Advance to directors, their relatives, companies/firms in which they are interested.

a. Fund - based

2.

Sr.

No.

1.

2.

3.

B.

Relation with

Director

Type of

Loans

Section

Loans

Outstanding ason 31-3-2015Principal + Int.

-------------

-------------

-------------

Non-fund based (Guarantees, L/C/ etc.

----

----

----

----

----

----

----

----

----

----

----

----

Cost of Deposits - Average cost of Deposits

a. Interest paid on Deposit

b. Average in percentage

3.

507.66

6.22%

NPAs.

a. Gross NPAs.

b. Net NPAs.

c. Percentage of gross NPAs to total advances and

d. Percentage of net NPs to Advances

4.

615.61

200.61

6.62%

2.25%

Movements of NPAs

Gross N.P.A. as on 31-3-2014

a. Decrease in N.P.A.

Total

5.

727.40

111.79

615.61

Profitability

a. Interest income as percentage of working funds

b. Non-interest income as a percentage of working funds

c. Operating profits as a percentage of working funds

d. Returns of Assets

e. Business (Deposits + Advances) per employee

f. Profit per employee

6.

8.38%

1.25%

1.47%

9.52%

295.62

3.35

Name Of Laon Account


36

Sr.No.

ANNEXURE (Disclosure)

Particulars

As on 31 March 2015 (Rs. In Lacs)

Profitability

Amounts

387.71

415.00

317.62

325.00

0

0.10

26.00

2.72

7.

Movement in Provisions8.

Provisions on NPAs required to be made

Provisions on NPAs actually made

Provisions required to be made in respect of overdue interest taken in to income

account, gratuity fund, arrears in reconcilation of inter-branch account etc.

Provisions actually made in respect of overdue interest taken in to Income

account, gratuity fund, arrears in reconcilation of inter-branch account etc.

Provisions required to be made on depreciation in Investments

Provisions actually made on depreciation Investments

Others

i. Against Standards assets

ii. Against Other Assets

a.

b

c.

d.

e.

f.

g.

a.

b.

c.

d.

Towards NPAs.

Towards depreciation on investments

Towards Standard assets

Towards all other item under 7 above

2013-2014

919.46

0

22.00

2014-2015

740.00

0

26.00

1

2

3

4

Gratuity Fund

Against Standard assets

Against Other Assets

Against Assignment Loan

80.78

22.00

0.00

0.00

187.37

4.00

2.72

0.00

95.06

0.00

0.00

0.00

173.09

26.00

2.72

0.00

Details Opening Credit Debit Closing

FOR SSM & Co.

CHARTERED ACCOUNTANTS

F.R.No.129198W

(CA-M.RAFIK SHEIKH)

PARTNER M.No.106176

Payment of insurance premium to the DICGC, Including arrears, if any

The Insurance premium is paid to DICGC regularly in time and the receipts are kept on record

Penalty imposed by RBI for any violation

Information on extent of arrears in reconciliation of inter-bank and inter branch accounts.

Capital to Risk weighted asset ratio (CRAR)

Yes

NIL

NIL

+ 10.64%

As per our report of even date attached

(R.V.Vala)

Chief Accountant

(R.N.Dahima)

General Manager

PLACE :- KODINAR

DATE :- 28 May 2015

9.

10.

11.

12.


37

CASH FLOW STATEMENT FOR THE YEAR ENDED 31-03-2015

A. CASH FLOW FROM OPERATING ACTIVITIESNET Profit after tax and extraordinary items 214.60 8371Adjusted for :Depreciation 12.17 10.96Bank guarantee fundBad & doubtful debts reserve fund -140.35 -29.65Overdue interest reserve fund written back -39.11 4.11Imbalance loan provision written backIncome Tax provision written backBad & doubtful debts provision for rural advances/Contingent provision against standard assets 4.00 2.90Provision for income tax 30.00Provision for other Assets 2.72Security Premium mortisedDeferred tax assets as on 1-4-07Reduction in transitional liability of gratuity &Gratuity fund 92.31 30.48Prior Period itemProfit on sale of assetsLoss on Sale of Assets

-38.26 18.80Operating Profit Before changes in operating assets 176.34 102.51and liabilitiesAdjusted for :Current Assets 124.12 -53.69Current liabilities 71.64 60.01Purchase of investments -985.93 sale of Investments 0.38Movement in borrowing (Net ) 790.81 578.24Movements in Advances (Net) -1157.73 -1148.98

-1156.71 -564.42Cash Generated from Operation -980.37 -461.91Less:Direct Taxes Paid

Cash Flow Before Extra-ordinary items -980.37 -461.91Adjusted for Extra-ordinary items:

Cash Flow from Operating Activities -980.37 -461.91

B. CASH FLOW FROM INVESTING ACTIVITIESPurchase of Fixed Assets -12.99 -26.73Disposal of Fixed Assets 0.14 10.75

Net Cash From Investing Activities -12.85 -15.98

For the Year ended31st March, 2015

For the Year ended31st March, 2014

(Rs.In Lacs)


38

C. CASH FLOW FROM FINANCING ACTIVITIS

Proceeds from issue of share capital including premium

Dividend Paid

Movements in Reserve fund

Net Cash from financing Activities

Net Cash Flow During the Year (A+B+C)

Opening Balance of cash and cash Equivalents

Closing Balance of cash and cash Equivalents

Cash/Cash Equivalents at the Beginning of the year :

(a) Cash on hand

(b) Balances with Banks :-

In Current Account

in Fixed Deposit Account

(c) Money at call and short notice

Cash/Cash Equivalents at the End of the year :

(a) Cash on hand

(b) Balances with Banks :-

In Current Account

in Fixed Deposit Account

(c) Money at call and short notice

Note : 1. The Cash Flow Statement has been prepared under indirect method as set out in accounting

Standard - 3 "Cash Flow Statement" issued by the institute of chartered Accountants of India.

2. Figures ot the previous year have been regroupef wherever necessary, to compare with

Current year's figures.

This is the Cash flow statement referred to in our report of even date.

PLACE : KODINAR

DATE : MAY 28, 2015

(R.V. Vala)

Chief Accountant

(R.N. Dahima)

General Manager

54.50

14.92

44.45

3.82

69.42

-923.80

4543.05

3619.25

112.84

487.73

3942.48

4543.05

224.18

499.93

2895.14

3619.25

48.27

-429.62

34972.67

4543.05

73.55

338.84

4419.90

4972.67

112.84

487.73

3942.48

4543.05

FOR S S M & Co.

(CHARTERED ACCOUNTANTS)

F.R.No.129198W

(CA M.RAFIK SHEIKH)

PARTNER M.No.106176


39

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2009-2010

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2011-2012

2012-2013

2013-2014

2014-2015

120

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120

120

120

120

121

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459.18

459.24

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487.19

519.63

558.48

590.47

634.92

689.42

1427.34

1441.36

1671.36

1291.14

1214.85

1223.39

1245.94

1303.15

1312.56

1244.91

1770.00

2508.87

2369.83

3102.49

5146.76

5716.01

7175.03

8278.87

8511.94

9167.31

3249.22

3112.01

2860.08

1747.28

946.79

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1619.97

2695.35

3040.52

3175.96

5674.71

5707.83

5549.28

4821.03

4658.32

5479.16

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7445.66

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485.83

528.54

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2319.11

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4457.03

3979.61

3917.82

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31/03/2007

31/03/2008

31/03/2009

31/03/2010

31/03/2011

31/03/2012

31/03/2013

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31/03/2015

60

60

60

60

60

60

59

59

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13906

13891

13946

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12512

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6914

7104

7231

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9327

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116331

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20213

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22942

26355

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b¢L$ Üpfp N°plL$p¡, \p`Zv$pfp¡ dpV$¡ NEFT / RTGS _u kyrh^p Qpgy L$fhpdp„ Aph¡g R>¡.

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48

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Valadar

Sandhnidhar GhantvadHarmadiya

Pavti

Kantala

Nagagla Arithiya Pichhvi

ArnejGirdevli

Sindhaj

Sugala

Jagatiya

Sedhaya MorvadAlidar

Pichhva

Anandpur

Navagam

Pedhavada

Fachariya

Vadnagar

Devlpur

Inchvad Nani

RonajDudana

Kareda

Chachhar

Vithalpur JithlaBodva

Sayaji Rajpara

Adpukar

Jamanvada

Kadvasan

Gohil ni Khan

KODINARDevli

Kadodara

Pipalva BavanaJantrakhadi

Nanavada

Malgam

Mityaj

Fafni MotiFafni Nani

AdviDolasa

Velva

Panch Pipalva

Kaj

Malsram

SarkhadiChhara

Velan

Barda

Chauhan ni khan

PanadarPipli

Mul Dwarka

N

l¡X$ Ap¡auk

ipMpAp¡

Chidivav


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Transcript of ^u L$p¡X$u pf spgyL$p L$p¡. Ap¡`f¡V$uh b¡ÞL$]N eyq e gu.L ... file1 a¡¼k _„bf : (02795)...