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H«$. Vnerb
2010-11
2011-12
2012-13
2013-14
10486
11389
12358
13441
707.32
904.26
1192.22
1425.56
2130.27
2373.68
2675.41
3267.74
4) EHy$U R>odr (Total Deposit)
29338.81
37002.38
49341.09
56171.36
5) EHy$U H$O} (Total Loans & Advances)
18924.64
24991.01
34195.18
36089.14
6) Jw§VdUyH$
11572.11
12901.05
16670.64
21985.96
32843.74
40698.63
53777.51
62073.23
342.79
496.36
784.79
842.31
147.19
220.39
377.91
364.33
(Particulars)
1) g^mgX g§»¶m
(Number of Members)
2) dgyb ^mJ ^m§S>db
(Paid up Capital)
3) amIrd {ZYr d BVa {ZYr
(Statutory Reserve & Other funds)
(Investment)
7) IoiVo ^m§S>db
8) T>mo~i Z$m
(Working Capital)
(Gross Profit)
9) {Zìdi Z$m (Net Profit)
10) J«m°g EZ.nr.E.(Gross
11) {Zìdi EZ.nr.E.
12) emIm
5.69%
4.23%
3.09%
3.05%
0.97%
0.33%
0.00%
0.00%
18
18
18
18
A
A
A
A
11.54%
11.12%
11.59%
11.87%
NPA)
(Net N.P.A.)
(Branches)
13) emgH$s¶ Am°S>rQ> dJ©
Audit Class
(Statutory audit)
14) ^m§S>db n¶m©ßVVm àmU
(CRAR)
A{^Z§X§ Z
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Ama$i, nmo.dSy>W, Vm.{O.gmVmam, Ama$i-415011
02162-264208
H¥$îUm hmB©Q>g, a{ddma noR>, {edmOr Mm¡H$ $bQ>U
02166-220077
Vm.$bQ>U, {O.gmVmam, $bQ>U-412523
1999, gXm{ed noR>, A{^Zd H$bm hm{dÚmb¶
020-24477377
gmoa, {Q>iH$amoS>, nwUo-411030
24472807
25, H$moao Q>oaog, ZorZmWZJa, JUnVr §{XamOdi,
0233-2303877
{dlm~mJ, gm§Jbr-416415
545/14 AqO³¶Vmam, nw.b.Xoenm§S>o JmS>©Z gmoa,
020-24252777
qghJS> amoS> nwUo-411041
24252877
635/2, 642, 643, ßbm°Q> Z§.1 hoe H$mo Am°n hm¡qgJ
020-24411977
gmogm¶Q>r, {~~dodmS>r, nwUo-411037
em°n Z§.25/26, ViObm, $m°À¶©wZ BñQ>oQ>,
020-26998377
ßbm°Q> Z§.58 nwUo gmobmnya amoS> hS>nga nwUo-411028
26998477
{g.g.Z§.515/1, 515/2, 515/3, ZmZmñ¥Vr,
02135-249277
^mOr§S>B©Odi MmH$U, Vm.IoS>, {O.nwUo MmH$U-410501
249377
Zì¶mZo gwé hmoUmè¶m emIm-A§~oJmd, {O.nwUo d WoaJmd {O.nwUo
93 dm dm{f©H$ Ahdmb 13 gZ 2013-2014
[X dmB© A~©Z H$mo-Am°n.~±H$ [b.,dmB©
[OW§ [Oìhmim Omonmgbm OmVmo...
[XZm§H$ 31/03/2014
31.03.2013
é. n¡go
15,00,00,000=00
11,92,22,125=00
26,75,41,151=85
4,92,60,39,857=25
0=00
28,47,662=28
6,32,07,243=29
A[YH¥$V ^mJ ^m§S>db
(60,00,000 eoAg© é.25/-àË¶oH$s)
dgyb Pmbobo ^mJ ^m§S>db
(57,02,224 eoAg© é.25/-àË¶oH$s)
32,67,73,929=07
R>odr d BVa ImVr
~mhoarb H$O}
2
5,60,65,61,252=10
0=00
dgwbrH$[aVm KoVbobr [~bo (Xw~oaOr)
WH$sV ì`mO VaVyX ([aPd©)
4,48,47,699=29
BVa XoUr
5,47,37,83,698=39
14,25,55,600=00
1
Xo¶ ì¶mO
3,77,95,081=09
31.03.2014
é. n¡go
15,00,00,000=00
amIrd d BVa [ZYr
80,69,074=50
42,13,803=84
n[a[eï>>
H«$.
^m§S>db d XoUo
61,22,796=00
3
7,04,26,165=03
1,05,74,623=69
4
emIm {idUr
7,96,45,322=56
46,05,818=29
Z\$m
[eH$ Z\$m - 1,73,554=09
Mmby gmbMm Z\$m -3,64,33,086=58
EHy$U
3,66,06,640=67
6,28,38,72,147=41
g^mgXm§gmR>r ñdrH$maboë`m O~m~Xmè`m ~±H$ J°a§Q>r é.22,75,000/lr.lrnmX Hw$bH$Uu$
w
»
¶ H$m¶©H$mar A{YH$mar
boImnarjU AhdmbmVrb eoè`mg nmÌ amhÿZ ~amo~a Amho.
Sd/lr.AéU _moa
o a Xod
A°S>.lr.gw¶H© $m§V km.ImH$a
o.pìh.Or.XmT>o & H§$nZrH$arVm MmQ>©S>© AH$m¢Q>§Q>g
lr.XZbmb {H$.Amogdmb
lr.eaX dm.midXo
gr.E.lr.gma§J A.Xod-nmQ>©Za/M.No.119624
gm¡.AZwamYm Z§.Omoer
d¡Ym{ZH$ boImn[ajH$, nwUo FRN 101979 S>ãë¶w
93 dm dm{f©H$ Ahdmb
14
gZ 2013-2014
[X dmB© A~©Z H$mo-Am°n.~±H$ [b.,dmB©
[OW§ [Oìhmim Omonmgbm OmVmo...
amoOrMm Vmio~§X
31.03.2013
é. n¡go
17,65,34,494=54
94,34,241=36
0=00
1,66,70,64,206=65
0=00
3,41,95,18,267=56
9,69,34,444=14
28,47,662=28
0=00
4,45,46,973=00
2,11,23,962=00
3,56,06,472=86
1,72,974=00
5,47,37,83,698=39
n[a[eï>>
H«$.
5
6
_mb_ËVm d `oUo
amoI d ~±H$m§Vrb [eH$
BVa ~±H$m§Vrb [eH$
_mJUr d Aën gyMZm R>odr
Jw§VdUyH$
7
emgZmÀ`m à_wI AWdm
ghmæ`H$mar [ZYrVyZ
Jw§VdUyH$
H$O}
8
Aën_wXV
VmaU`w³V
1,25,98,55,364=22
(WH$~mH$s 12,45,55,638=76)
[dZmVmaUr
1,31,47,126=90
(WH$~mH$s 2,16,948=00)
_Ü`_ _wXV H$O}
VmaU`w³V
1,19,23,05,403=96
(WH$~mH$s 14,25,40,063=50)
[dZmVmaUr
12,11,12,452=73
(WH$~mH$s 28,93,606=41)
XrK© _wXV H$O}
VmaU`w³V
1,02,24,93,898=94
(WH$~mH$s 1,08,10,431=03)
[dZmVmaUr
0=00
`oUo ì`mO
9
dgwbrgmR>r nmR>dbobr [~bo (Xw~ao Or)
emIm [_idUr
B_maV
10
\${Z©Ma, bm`~«ar d [\$³Mg©
11
BVa qOXJr (BVa `oUo)
12
{S>$S>© Q>°³g
EHy$U
lr.{dO¶Hw$ma ~m.wirH$
Cngaì`dñWmnH$
lr.amO|Ð [IAbHw$_ma MmdbmZr
CnmÜ`j
31.03.2014
é. n¡go
19,54,10,389=11
2,02,63,613=31
0=00
2,19,85,96,382=19
0=00
3,60,89,14,246=75
13,61,88,292=81
61,22,796=00
0=00
4,23,85,285=00
2,13,46,808=00
5,42,30,106=24
4,14,228=00
6,28,38,72,147=41
S>m°.lr.[dZ` _wHw§$X OmoJioH$a
g§MmbH$ §S>i gXñ¶
gr.E.lr.M§ÐH$m§V dm.H$mio
gr.E.lr.gma§J g.H$moëhmnwao
93 dm dm{f©H$ Ahdmb
15
àm.S>m°.lr.EH$ZmW H¥$.nmoi
lr.{ddoH$ d.^mogbo
gZ 2013-2014
AÜ`j
[X dmB© A~©Z H$mo-Am°n.~±H$ [b.,dmB©
[OW§ [Oìhmim Omonmgbm OmVmo...
[XZm§H$ 31/03/2014 amoOr
31.03.2013
é. n¡go
38,70,07,392=05
5,10,23,401=00
n[a[eï>>
H«$.
IM©
31.03.2014
é. n¡go
R>odrdarb ì`mO d BVa ì`mO
49,18,77,853=22
godH$m§Mo nJma, ^Îmo, àm°.\§$S> dJ©Ur d IM©
5,99,77,733=00
J«°À`wBQ>r, dJ©Ur, ~moZg BË`mXr
1,50,000=00
g§MmbH$ mZYZ
8,68,722=00
[hemo~ VnmgUr \$s
97,37,333=83
^mS>o, H$a, [d_m dJ¡ao
76,538=00
1,50,000=00
10,90,953=00
13
1,11,39,733=00
H$moQ>© IM©
4,47,899=00
7,57,495=78
Q>nmb, Q>o[b\$moZ
14
30,05,102=26
9,88,140=00
ñQ>oeZar, N>nmB©, Om[hamV
15
14,86,448=50
80,58,632=64
Kgmam
73,09,154=25
1,43,78,561=89
BVa IM©
16
1,30,44,951=90
2,35,82,490=30
BVa VaVwXr
17
3,16,43,000=00
1,69,33,495=00
Am¶H$a
1,64,46,000=00
{S>$S>© Q>°³g
(2,41,254=00)
3,77,90,954=56
55,13,53,157=05
1,62,04,746=00
[Zìdi Z\$m
3,64,33,086=58
EHy$U
boImnarjU AhdmbmVrb eoè`mg nmÌ amhÿZ ~amo~a Amho.
Sd/-
o.pìh.Or.XmT>o & H§$nZrH$arVm
MmQ>©S>© AH$m¢Q>§Q>g
gr.E.lr.gma§J A.Xod-nmQ>©Za/M.No.119624
d¡Ym{ZH$ boImn[ajH$, nwUo
FRN 101979 S>ãë¶w
93 dm dm{f©H$ Ahdmb
67,38,10,660=71
lr.lrnmX Hw$bH$Uu
w»¶ H$m¶©H$mar A{YH$mar
lr.AéU _moaoa Xod
lr.XZbmb {H$.Amogdmb
gm¡.AZwamYm Z§.Omoer
16
gZ 2013-2014
A°S>.lr.gw¶©H$m§V km.ImH$a
lr.eaX dm.midXo
[X dmB© A~©Z H$mo-Am°n.~±H$ [b.,dmB©
[OW§ [Oìhmim Omonmgbm OmVmo...
g§nUmè`m dfm©Mo Z\$m-VmoQ>m nÌH$
31.03.2013
é. n¡go
n[a[eï>
H«$.
CËnÝZ
53,21,73,042=54
H$Om©darb d Jw§VdUyH$sdarb ì`mO
30,33,454=96
18
31.03.2014
é. n¡go
66,06,39,073=17
H$[_eZ
1,44,16,077=16
30,64,365=79
BVa O_m
17,00,571=39
19
76,43,958=86
Jw§VdUyH$ {dH«$sVyZ {imbobm Z$m
23,49,350=89
(GSEC)
30,011=00
55,13,53,157=05
BVa mbÎmm {dH«$sVyZ {imbobm Z$m
1,13,912=00
EHy$U
lr.{dO¶Hw$ma ~m.wirH$
Cngaì¶dñWmnH$
67,38,10,660=71
lr.amO|Ð [IAbHw$_ma MmdbmZr
gr.E.lr.M§ÐH$m§V dm.H$mio
gr.E.lr.gma§J g.H$moëhmnwao
CnmÜ`j
g§MmbH$ §S>i gXñ¶
93 dm dm{f©H$ Ahdmb
17
S>m°.lr.[dZ` _wHw§$X OmoJioH$a
àm.S>m°.lr.EH$ZmW H¥$.nmoi
lr.{ddoH$ d.^mogbo
gZ 2013-2014
AÜ`j
[X dmB© A~©Z H$mo-Am°n.~±H$ [b.,dmB©
31/3/2013
én`o n¡go
4,85,16,778=65
20,75,087=17
3,29,64,288=88
16,00,000=00
10,58,55,000=00
2,57,402=75
1,82,000=00
10,27,000=00
2,35,56,000=00
2,11,338=00
1,029=40
1,60,00,000=00
39,30,800=00
95,09,000=00
2,08,13,980=00
10,41,447=00
0=00
0=00
26,75,41,151=85
31/3/2013
én`o n¡go
11,15,59,238=68
63,77,99,894=24
8,10,74,768=00
2,72,41,14,610=98
50,34,06,091=00
68,49,29,667=00
15,14,17,743=35
3,17,37,844=00
4,92,60,39,857=25
31/3/2013
én`o n¡go
6,32,07,243=29
6,32,07,243=29
[OW§ [Oìhmim Omonmgbm OmVmo...
n[a[eï> H«$_m§H$ 1 - [d[Y[d[hV d BVa [ZYr
Vnerb
1)
2)
3)
4)
5)
6)
7)
8)
9)
10)
11)
12)
13)
14)
15)
16)
17)
18)
[d[Y[d[hV J§JmOir (amIrd [ZYr)
OZab [aPìh©
B_maV [ZYr
bm^m§e g_Vmob [ZYr
g§e[`V d ~wS>rV H$O© [ZYr (BDDR)
godH$ H$ë`mU [ZYr
XoUJr Y_m©Xm` [ZYr
_hmoËgd [ZYr
Jw§VdUyH$ MT> CVma [ZYr
gd©gm_mÝ` H$ë`mU [ZYr
godH$ [Zd¥Îmr bm^ [ZYr
CÎm_ qOXJr [ZYr
_m[hVr d V§ÌkmZ [ZYr
Jw§VdUyH$ Kgmam [ZYr
nwZ_y©ë`m§H$Z [ZYr
g^mgX H$ë`mU [ZYr
{ZdS>UyH$ {ZYr
g^mgX, g§MmbH$ d H$©Mmar à{ejU {ZYr
EHy$U
n[a[eï> H«$_m§H$ 2 - R>odr d BVa ImVr
Vnerb
H$a§Q>
gopìh¨½O
[aH$atJ
nwZ©Jw§VdUyH$ R>odr
_m[gH$ ì¶mO R>od
_wXV R>odr / Aën_wXV R>odr
_wXV g§nboë`m R>odr
[n½_r (OZH$ë`mU) R>odr
EHy$U
n[a[eï> H«$_m§H$ 3 - WH$sV ì`mO VaVyX ([aPd©)
Vnerb
AZwËnm[XV H$O© (EZ.nr.E.) `oUo ì`mO
EHy$U
93 dm dm{f©H$ Ahdmb
18
gZ 2013-2014
31/3/2014
én`o n¡go
5,88,24,812=31
60,75,087=17
3,90,20,288=88
17,00,000=00
11,61,34,137=56
3,59,452=75
1,82,000=00
12,27,000=00
2,85,56,000=00
1,90,338=00
1,029=40
1,70,00,000=00
50,30,800=00
3,00,53,000=00
2,05,29,536=00
11,40,447=00
5,00,000=00
2,50,000=00
32,67,73,929=07
31/3/2014
én`o n¡go
12,04,45,376=81
67,23,46,985=59
10,69,47,406=00
3,14,30,97,551=70
55,29,28,527=00
76,45,34,544=00
20,99,03,686=00
3,63,57,175=00
5,60,65,61,252=10
31/3/2014
én`o n¡go
7,04,26,165=03
7,04,26,165=03
[X dmB© A~©Z H$mo-Am°n.~±H$ [b.,dmB©
[OW§ [Oìhmim Omonmgbm OmVmo...
n[a[eï> 4 - BVa XoUr
31/3/2013
én`o n¡go
1,82,261=69
39,68,850=59
1,04,95,230=61
610=00
3,02,00,746=40
0=00
dmQ>n Z Pmbobm bm^m§e
no pñbn noE~b
AÝ¶ XoUo ImVr
H$m_Jma H$ë`mU [ZYr XoUo
Am`H$amgmR>r VaVyX
p³bAatJ A°S>OoñQ>|Q>
31/3/2014
én`o n¡go
1,86,099=13
46,59,811=61
1,38,79,583=40
756=00
4,65,87,879=00
1,43,31,193=42
4,48,47,699=29
EHy$U
7,96,45,322=56
Vnerb
n[a[eï> 5 - amoI d ~±H$m§Vrb [eH$
31/3/2013
én`o n¡go
5,79,58,304=00 A)
~)
1,32,46,900=66
6,75,603=03
3,75,18,600=24
7,31,602=93
10,06,171=00
66,739=00
6,53,30,573=68
17,65,34,494=54
Vnerb
amoI [eH$
~±H$m§Vrb [eH$
1) ñQ>oQ> ~±H$ Am°\$ B§[S>`m
2) ~±H$ Am°\$ _hmamï´>
3) gmVmam [Oëhm _Ü`dVu gh. ~±H$ [b.,gmVmam
4) hmamîQ´> amÁ¶ ghH$mar ~±H$ [b., _w§~B©
5) gm§Jbr [Oëhm _Ü`dVu gh. ~±H$ [b., gm§Jbr
6) nwUo [Oëhm _Ü`dVu ghH$mar ~±H$ [b., nwUo
7) Am`.S>r.~r.Am`.~±H$ {b,.
EHy$U
31/3/2014
én`o n¡go
4,34,47,676=00
71,22,292=08
53,67,713=03
5,25,49,550=24
1,99,790=93
35,06,821=00
66,738=00
8,31,49,807=83
19,54,10,389=11
n[a[eï> 6 - BVa ~±H$m§Vrb [eH$
31/3/2013
én`o n¡go
42,45,328=28
3,45,358=73
9,94,161=10
38,24,635=25
24,758=00
0=00
94,34,241=36
Vnerb
1)
2)
3)
4)
5)
6)
OZVm ghH$mar ~±H$ [b., nwUo
H$m°g_m°g H$mo-Am°n ~±H$ [b., nwUo
EM.S>r.E\$.gr. ~±H$
A°p³gg ~±H$
H$moQ>H$ qhÐm ~±H$
{X emamd {dÇ>b H$mo.Am°n ~±H$ {b.
EHy$U
93 dm dm{f©H$ Ahdmb
31/3/2014
én`o n¡go
92,83,809=16
2,96,561=42
9,20,338=95
65,03,655=54
4,758=00
32,54,490=24
2,02,63,613=31
19
gZ 2013-2014
[X dmB© A~©Z H$mo-Am°n.~±H$ [b.,dmB©
[OW§ [Oìhmim Omonmgbm OmVmo...
n[a[eï> 7 - Jw§VdUyH$
31/3/2013
én`o n¡¡go
31/3/2014
én`o n¡go
Vnerb
A)
1,00,000=00 1)
3,000=00 2)
300=00 3)
ghH$mar g§ñWm§Mo ^mJ
gmVmam [Oëhm _Ü`dVu ghH$mar ~±H$ [b.,gmVmam
_hmamîQ´> amÁ` ghH$mar ~±H$ [b., w§~B©
^y[dH$mg ~±H$
1,00,000=00
3,000=00
300=00
1,03,300=00
EHy$U
1,03,300=00
~) BVa g§ñWm§Mo ^mJ d BVa [dídñV g§ñWm§Mo amoIo
500=00
_hmamîQ´> ñQ>oQ> \$m`ZmÝg H$m°nm}aoeZ
500=00
500=00
500=00
EHy$U
H$) ~±H$m§_Yrb Jw§VdUyH$ (R>odt_Yrb)
8,10,00,000=00 1) gmVmam [Oëhm _Ü`dVu ghH$mar ~±H$ {b.,gmVmam
2,50,000=00 2) hmamï´> amÁ¶ ghH$mar ~±H$ [b., _w§~B©
0=00
4,76,00,000=00
2,50,00,000=00
7,50,00,000=00
1,00,00,000=00
7,00,00,000=00
1,00,00,001=00
0=00
2,00,00,000=00
2,00,00,000=00
0=00
0=00
35,88,50,001=00
S>)
1)
2)
3)
4)
5)
6)
7)
8)
9)
10)
11)
12)
5,60,00,000=00
2,50,000=00
BVa ~±H$m§Vrb Jw§VdUyH$ (R>odt_Yrb)
em_amd [dÇ>b H$mo-Am°n. ~±H$ [b., nwUo
H$m°g_m°g H$mo-Am°n. ~±H$ [b., nwUo
gmañdV H$mo-Am°n ~±H$ [b., nwUo
S>m|{~dbr ZmJar ghH$mar ~±H$ [b., w§~B©
Aä`wX` ghH$mar ~±H$ [b.,
H$ë`mU OZVm ghH$mar ~±H$ [b.,
Am¶.S>r.~r.Am¶. ~±H$
R>mUo OZVm ghH$mar ~±H$ {b.
nrEgr ~±H$ {b.
OZVm ghH$mar ~±H$, {b., nwUo
aËZmH$a ~±H$ {b.
{X ^maV H$mo Am°n ~±H$ (w§~B©) {b.
2,00,00,000=00
2,75,00,000=00
2,50,00,000=00
10,50,00,000=00
9,00,00,000=00
7,00,00,000=00
0=00
3,00,00,000=00
9,00,00,000=00
9,00,00,000=00
4,00,00,000=00
3,00,00,000=00
EHy$U
67,37,50,000=00
H$O©amoIo
1,26,72,85,405=65
B) gaH$mar H$O©amoIo d Q´>oPar {~ëg
4,08,25,000=00 \$) BVa H$O©amoIo
1,66,70,64,206=65
4,08,25,000=00
EHy$U Jw§VdUyH$ (A + ~ + H $+ S> + B + \$)
93 dm dm{f©H$ Ahdmb
1,48,39,17,582=19
20
gZ 2013-2014
2,19,85,96,382=19
[X dmB© A~©Z H$mo-Am°n.~±H$ [b.,dmB©
[OW§ [Oìhmim Omonmgbm OmVmo...
n[a[eï> 8 - H$O}
31/3/2013
én`o n¡¡go
62,27,27,998=00
93,53,116=58
21,56,31,108=80
8,57,56,556=75
50,53,79,498=38
78,65,04,592=92
12,51,68,397=00
6,26,155=00
19,47,374=00
25,01,41,069=56
12,78,01,945=30
36,27,15,670=69
2,65,57,826=46
6,37,420=00
2,91,025=75
1,48,47,419=00
8,81,21,665=42
8,73,54,848=00
1,17,08,349=00
2,96,52,031=00
88,00,944=00
48,35,819=00
1,07,16,214=00
4,22,41,222=95
0=00
0=00
3,41,95,18,267=56
Vnerb
1)
2)
3)
4)
5)
6)
7)
8)
9)
10)
11)
12)
13)
14)
15)
16)
17)
18)
19)
20)
21)
22)
23)
24)
25)
26)
gmoZoVmaU
_mbVmaU
H°$e H«o${S>Q>
gm_mÝ` H$O©
Ka~m§YUr
Q>_© bmoZ
R>odVmaU H$O}
EZ.Eg.gr. H$O}
hm`anaMog (Other)
àH$ën H$O}
gwa{^ (FDCC)
dmhZ VmaU H$O}
_{eZar d \${Z©Ma H$O}
H§$Â`w_a S>çþao~b H$O}
bdmX H$O}
a{eXrda {Xbobr H$O}
a{eXrda {Xbobr H°$eH«o${S>Q> H$O}
gm¡a^ H$O© `moOZm
CËgd H$O© `moOZm
H$ma bmoZ
godH$ Ka~m§YUr H$O©
e¡j{UH$ H$O©
ñQ>m\$ _ëQ>rnanO bmoZ
gmoZoVmaU H°$eH«o$S>rQ>
n¶©Q>Z H$O©
AW©MH«$
EHy$U
31/3/2014
én`o n¡go
65,53,67,660=00
3,19,42,789=00
27,43,50,414=15
10,63,89,916=73
49,96,71,951=88
77,13,36,399=42
18,24,96,587=00
4,35,848=00
19,10,651=00
27,25,66,351=46
12,04,28,664=59
31,33,85,383=40
2,71,77,635=74
2,99,094=00
1,51,197=00
2,81,80,927=00
12,72,34,764=43
6,93,33,027=00
3,01,34,758=00
1,99,33,255=00
1,30,12,566=00
69,59,848=00
91,43,893=00
4,65,97,325=45
1,79,655=00
2,93,684=50
3,60,89,14,246=75
n[a[eï> 9 - `oUo ì`mO
31/3/2013
én`o n¡go
6,32,07,243=29
60,07,753=00
2,77,19,447=85
9,69,34,444=14
Vnerb
WH$ì`mO
godH$ KaH$Om©darb ì`mO
Jw§VdUwH$sdarb ì`mO
EHy$U
93 dm dm{f©H$ Ahdmb
21
gZ 2013-2014
31/3/2014
én`o n¡go
7,04,26,165=03
62,02,929=00
5,95,59,198=78
13,61,88,292=81
[X dmB© A~©Z H$mo-Am°n.~±H$ [b.,dmB©
[OW§ [Oìhmim Omonmgbm OmVmo...
n[a[eï> 10 - B_maV
31/3/2013
én`o n¡go
4,69,30,437=00
0=00
0=00
19,01,740=00
3,16,048=00
1,65,676=00
4,45,46,973=00
Vnerb
nwñVH$s _wë` (31.3.2013)
A{YH$ ZdrZ IaoXr
^mS>çmZo KoVboë`m OmJodarb hgwbr IM©
dOm
Kgmam
nwZw©ë¶m§H$Z aH$odarb Kgmam
^mS>çmZo KoVboë`m OmJodarb IMm©Mo A°_moQ>m©`PoeZ
EHy$U
31/3/2014
én`o n¡go
4,45,46,973=00
0=00
0=00
17,11,568=00
2,84,444=00
1,65,676=00
4,23,85,285=00
n[a[eï> 11 - \$[Z©©Ma, bm`~«ar d [\$³ñMg©
31/3/2013
én`o n¡go
2,25,24,628=00
47,96,318=64
61,56,892=64
40,092=00
2,11,23,962=00
31/3/2014
én`o n¡go
Vnerb
_yi qH$_V
A[YH$ ZdrZ IaoXr
dOm
Kgmam
{Zb}{IV mbÎmm
EHy$U
2,11,23,962=00
58,29,320=25
55,97,586=25
8,888=00
2,13,46,808=00
n[a[eï> 12 - BVa qOXJr
31/3/2013
én`o n¡go
10,89,176=39
7,94,053=22
17,74,364=00
1,27,894=00
9,60,632=00
8,77,133=25
5,000=00
2,99,78,220=00
0=00
3,56,06,472=86
Vnerb
Am`H$a `oUo
N>nmB©, ñQ>oeZar {eH$
Q>o{b\$moZ d BVa R>odr (BVa `oUo)
{deof {MH$Q> _wÐm§H$ (AYo{gd ñQ>±ån/«±$H$s¨J)
nwT>rb dfm©gmR>r Ho$bobo IM©
BVa qOXJr (H$O© ImË`m§darb BVa `oUo IM©)
AZm_V
AmJmD$ Am¶H$a ^aUm
gpìh©g Q>°³g ¶oUo
EHy$U
93 dm dm{f©H$ Ahdmb
22
gZ 2013-2014
31/3/2014
én`o n¡go
11,63,452=52
8,96,789=72
13,65,739=00
9,60,666=00
13,76,119=00
9,48,568=00
5,00,000=00
4,69,78,220=00
40,552=00
5,42,30,106=24
[X dmB© A~©Z H$mo-Am°n.~±H$ [b.,dmB©
[OW§ [Oìhmim Omonmgbm OmVmo...
n[a{eï> 13 - ^mS>o, H$a, {d_m dJ¡ao
31/3/2013
én`o n¡go
30,97,951=00
11,990=00
49,10,654=83
17,16,738=00
97,37,333=83
31/3/2014
én`o n¡go
30,80,534=50
11,990=00
64,72,168=50
15,75,040=00
1,11,39,733=00
Vnerb
1)
2)
3)
4)
^mS>o
H$a
{d_m
BbopQ´>{gQ>r
EHy$U
n[a{eï> 14 - Q>nmb, Q>o{b\$moZ
31/3/2013
Vnerb
én`o n¡go
7,57,495=78 1) nmoñQ>oO, Q>obr$moZ d Hw$[aAa
7,57,495=78
EHy$U
31/3/2014
én`o n¡go
30,05,102=26
30,05,102=26
n[a{eï> 15 - ñQ>oeZar, N>nmB© d Om{hamV IM©
31/3/2013
Vnerb
én`o n¡go
3,47,881=00 1) ñQ>oeZar
20,516=00 2) N>nmB©
6,19,743=00 3) Om{hamV IM©
9,88,140=00
EHy$U
31/3/2014
én`o n¡go
6,10,499=00
2,11,646=00
6,64,303=50
14,86,448=50
n[a{eï> 16 - BVa IM©
31/3/2013
én`o n¡go
7,80,412=50
1,74,708=00
4,25,195=28
27,14,964=00
3,35,315=00
73,852=00
3,05,753=10
88,605=00
1,07,407=00
8,35,220=20
Vnerb
1)
2)
3)
4)
5)
6)
7)
8)
9)
10)
àdmg IM©
AÝ¶ IM©
pbA[a¨J MmO}g
OZH$ë`mU H${_eZ
g_ma§^ IM©
dJ©Ur (Subscription)
dm{f©H$ gd©gmYmaU g^m IM©
~moS>© _rqQ>J IM©
dmhZ IM©
XwéñVr d XoI^mb IM©
~oarO nwT>rb nmZmda
93 dm dm{f©H$ Ahdmb
23
gZ 2013-2014
31/3/2014
én`o n¡go
7,69,336=50
1,36,437=00
4,50,647=57
29,90,742=00
2,75,480=00
40,660=00
3,78,156=00
76,765=00
1,08,194=00
6,40,804=00
[X dmB© A~©Z H$mo-Am°n.~±H$ [b.,dmB©
[OW§ [Oìhmim Omonmgbm OmVmo...
n[a{eï> 16 - BVa IM©
31/3/2013
én`o n¡go
2,59,088=00
27,18,478=20
17,99,253=31
2,07,464=18
17,56,591=40
10,077=00
5,29,048=00
73,914=11
2,70,977=00
3,13,767=00
2,41,564=00
1,11,986=10
1,65,676=00
79,245=51
31/3/2014
én`o n¡go
Vnerb
11)
12)
13)
14)
15)
16)
17)
18)
19)
20)
21)
22)
23)
24)
1,43,78,561=89
~oarO _mJrb nmZmdéZ
g§MmbH$ d H$_©Mmar à{ejU IM©
g§JUH$ XoI^mb IM©
gwajm ì`dñWm IM©
godm IM©
B_maV XwéñVr IM©
bm`gÝg d Zm|XUr \$s
ì¶mdgm{¶H$ godm $s
H${_eZ ({Xbobo)
Am°\$sg IM©
[a\«o$e_|Q> IM©
Am°S>rQ>a àdmg d BVa IM© (Reimbursement)
Poam°g IM©
A±moaQ>m¶PoeZ Am°Z a|Q>oS> {àm¶gog
~±H$ MmO}g
EHy$U
2,37,142=50
15,51,306=00
19,70,901=10
2,21,562=78
14,75,314=00
39,512=00
3,46,002=00
76,620=77
4,71,112=50
3,48,769=00
1,26,230=00
1,34,303=50
1,65,676=00
13,277=68
1,30,44,951=90
n[a{eï> 17 - BVa VaVwXr
31/3/2013
én`o n¡go
30,000=00
55,00,000=00
80,00,000=00
0=00
1,00,52,490=30
2,35,82,490=30
{ejU {ZYr
CÎm qOXJr {ZYr
g§e{`V d ~wS>rV H$O©{ZYr
J§wVdUyH$ Kgmam {ZYr
AÝ¶ VaVwXr
31/3/2014
én`o n¡go
0=00
10,00,000=00
1,00,49,000=00
2,05,44,000=00
50,000=00
EHy$U
3,16,43,000=00
Vnerb
1)
2)
3)
4)
5)
93 dm dm{f©H$ Ahdmb
24
gZ 2013-2014
[X dmB© A~©Z H$mo-Am°n.~±H$ [b.,dmB©
[OW§ [Oìhmim Omonmgbm OmVmo...
n[a{eï> 18 - H$Om©darb ì`mO d Jw§VdUyH$sdarb ì`mO
31/3/2013
én`o n¡go
40,87,71,584=99
8,24,95,091=74
3,41,05,042=51
68,01,323=30
Vnerb
1) H$Om©darb ì`mO
2) Jw§VdUwH$sdarb ì`mO d BVa
A) gaH$mar H$O©amo»`m§darb ì`mO
~) R>odrdarb ì`mO
H$) BVa Jw§VdUyH$sdarb ì¶mO
53,21,73,042=54
EHy$U
31/3/2014
én`o n¡go
49,26,85,557=93
11,36,97,120=97
4,82,83,949=00
59,72,445=27
66,06,39,073=17
n[a{eï>> 19 - BVa O_m
31/3/2013
én`o n¡go
20,94,074=36
6,71,133=29
13,000=00
17,97,809=71
1,60,448=00
4,53,040=67
41,493=00
4,24,106=29
93,148=21
25,990=44
10,93,332=15
48,501=04
0=00
75,00,000=00
1,44,16,077=16
31/3/2014
én`o n¡go
Vnerb
1)
2)
3)
4)
5)
6)
7)
8)
9)
10)
11)
12)
13)
14)
bm°H$a ^mS>o
BVa O_m
bm^m§e
àmogoqgJ \$s
nmoñQ>oO
MoH$ ~wH$ MmO}g
bmoZ [aH$ìhar MmO}g
MoH$ [aQ>Z© MmO}g
B§grS>|Q>b MmO}g
Sw>ßbrHo$Q> nmg~wH$, ñQ>oQ>|Q> MmO}g
{Zr ~°bÝg MmO}g
{S>_°Q> MmO}g
~±H$ J°a§Q>r
Jw§VdUyH$ Kgmam OmXm VaVyX naV Om
26,30,659=00
13,93,842=39
13,210=00
14,06,797=00
2,25,101=00
4,88,645=89
26,020=00
4,45,096=19
1,78,224=43
33,382=00
7,44,984=34
44,496=62
13,500=00
0=00
EHy$U
76,43,958=86
93 dm dm{f©H$ Ahdmb
25
gZ 2013-2014
[X dmB© A~©Z H$mo-Am°n.~±H$ [b.,dmB©
[OW§ [Oìhmim Omonmgbm OmVmo...
n[a[eï> "A'
1.
2.
3.
4.
5.
6.
7.
8.
g§ñWoMo Zmd
_w»` H$m`m©b`
a[OñQ´>oeZ Z§~a d VmarI
Ama.~r.Am`. bm`gÝg Z§. d VmarI
H$m`©jÌo
Vnerb
EHy$U emIm _w»` H$m`m©b`mgh
g^mgX
9. dgyb Pmbobo ^mJ^m§S>db
10. EHy$U J§JmOir d BVa [ZYr
11. R>odr - ~MV R>odr
Mmby R>odr
_wXV R>odr (XoUo ì`mOmgh)
EHy$U
12. H$O} - VmaU`w³V H$O}
[dZmVmaU H$O}
EHy$U
n¡H$s AJ«H«$_ joÌmgmR>r
AJ«H«$_ joÌmn¡H$s Xw~©b KQ>H$m§gmR>r
13. CMbbobr H$O}
14. WH$~mH$sMo à_mU
15. Jw§VdUyH$
16. Z\$m
17. IoiVo ^m§S>db
18. emgH$s¶ Am°[S>Q> dJ©
19. H$_©Mmar dJ© - A[YH$mar
boI[ZH$
[enmB©
EHy$U
93 dm dm{f©H$ Ahdmb
:
:
:
:
:
:
:
:
:
:
:
:
:
:
:
:
:
:
:
:
:
:
:
:
:
:
:
:
:
:
26
{X dmB© A~©Z H$mo-Am°n ~±H$ [b., dmB©
591, JUnVr Amir, dmB©, [O.gmVmam
3469/07 {XZm§H$ 06.08.1930
E_.EM / 450 / nr -01-03-1986
gmVmam, nwU,o gm§Jbr, am`JS> d aËZm[Jar [Oëho
31.03.2014 amoOrMm
19
g^mgX - 13441
ZmmÌ g^mgX - 2672
< 1425.56 bmI
< 3267.74 bmI
< 6723.47 bmI
< 1204.45 bmI
< 48137.69 bmI
< 56065.61 bmI
< 34746.55 bmI
< 1342.59 bmI
< 36089.14 bmI
60.07%
15.30%
H$mhr Zmhr
7.79%
< 21985.96 bmI
< 364.33 bmI
< 62073.23 bmI
A
58
83
43
184
gZ 2013-2014
[X dmB© A~©Z H$mo-Am°n.~±H$ [b.,dmB©
[OW§ [Oìhmim Omonmgbm OmVmo...
DISCLOSURES AS PER RBI GUIDELINES
1. ISSUER COMPOSITION OF NON SLR INVESTMENTS
(< in Crore)
No. Issuer
1
PSUs
2
Amount
Extent of
Extent of
Extent of
'below investment 'unrated
'unlisted
grade Securities' Securities' Securities'
0.08
---
---
---
FIs
---
---
---
---
3
Public Sector Banks
---
---
---
---
4
Mutual Funds
---
---
---
---
5
Others
4.00
---
---
---
6
Provision Held towards Depreciation
---
---
---
---
4.08
---
---
---
TOTAL
2. NON PERFORMING NON SLR INVESTMENTS - NIL
No. Particulars
1.
Capital to Risk Weighted Assets Ratio (C.R.A.R.)
2.
Movement of CRAR
Capital Adequacy
Tier I
Tier II
Total Capital
Total risk weighted assets and contingents
Capital ratio
Tier I
Tier II
Total Capital
3.
4
Investments
Face Value
Book Value
Market Value
Advances against real estate
Construction Business
Housing
(< in Lakh)
31/03/2013
31/03/2014
11.59%
11.87%
2246.00
695.36
2941.36
25381.10
2693.83
653.75
3347.58
28203.39
8.85%
2.74%
11.59%
9.55%
2.32%
11.87%
12650.00
12672.86
12320.93
14920.75
14839.18
14073.74
1047.55
5053.79
2916.88
4996.72
5
Advance against Shares and Debentures
0
0
6
Advances to Directors and their relatives
Funded Base
Non Funded Base
31.64
0
27.55
0
8.88%
9.27%
1055.60
-14.06
1106.00
-55.34
7
Cost of Deposit : Average cost of Deposits
8
NPA’s
Gross NPAs
Net NPAs
93 dm dm{f©H$ Ahdmb
27
gZ 2013-2014
[X dmB© A~©Z H$mo-Am°n.~±H$ [b.,dmB©
[OW§ [Oìhmim Omonmgbm OmVmo...
No. Particulars
9
10
11
12
Movement in NPA’s
Amount of NPA as beginning of the year
Recoveries effected during the year
Addition to NPAs as at the end of the year
N.P.A. as on the end of year
Provision Held
Net NPA’s
31/03/2013
31/03/2014
1056.60
189.69
188.69
1055.60
1069.66
-14.06
1055.60
250.56
300.96
1106.00
1161.34
-55.34
9.9
0.22
1.32
1.02
441.56
10.64
0.21
1.36
0.88
500.84
4.15
2
4.58
1.98
80
0
55
100.49
205.44
10
978.55
80.00
1058.55
1058.55
102.79
1161.34
170.09
-75
95.09
95.09
205.44
300.53
105
55
160
95.09
160
10
170
300.53
Profitability
Interest Income as percentage of working funds
Non interest income as percentage of working funds
Operating profit as a percentage of working funds
Return on Assets
Business (Deposit + Advances) per Employee
Profit per Employee
Gross
Net
Provision made towards
NPAs
Depreciation in Investments
Standard Assets
Movement In Provisions
NPAs
Balance of Provision
Provision made in current year
Total Provision
Depreciation on Investments
Balance of Provision
Provision made in current year
Total Provision
Standard Assets
Balance of Provision
Provision made in current year
Total Provision
Provision For Depreciation In Investments
13
Foreign Currency assets & Liabilities
Nil
Nil
14
DIGCG Insurance Premium paid upto
30 Sept.2013
30 Sept. 2014
15
Penalty imposed by RBI
Nil
Nil
16
Restructured Accounts
No of Accounts
Amount
Nil
Nil
656.71
Nil
637.32
Nil
17
Fixed Assets - Valuation / Revaluation
Book Value
Is fixed assets revaluation
93 dm dm{f©H$ Ahdmb
28
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STATUTORY AUDITOR'S REPORT
To
The Members of
The Wai Urban Co-operative Bank Ltd.,
591, Ganpati Ali, Wai, Dist. Satara
1. We have audited the accompanying financial statements of The Wai Urban Cooperative Bank
Ltd., which comprise the Balance Sheet as at March 31, 2014 and the Statement of Profit and
Loss 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 18 branches and Head Office audited by us.
Management's Responsibility for the Financial Statements
2. Management is responsible for the preparation of these financial statements in accordance with
the Banking regulation Act, 1949 as applicable to Co-operative Societies and the Maharashtra
Co-operative Societies Act, 1960 (as amended by the Maharashtra Co-operative Societies
(Amendment) Ordinance, 2013 (Mah. Ord. No. II of 2013) and the Maharashtra Co-operative
Societies Rules, 1961. This responsibility includes the design, implementation and maintenance
of internal control relevant to the preparation of the financial statements that are free from material
misstatement, whether due to fraud or error.
Auditor's Responsibility
3. 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 risks 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 Company's preparation and fair presentation of the financial statements in order to design
audit procedures that are appropriate in the circumstances. An audit also includes evaluating the
appropriateness of accounting policies used and the reasonableness of the accounting estimates
made by 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.
Opinion
6. In our opinion and to the best of our information and according to explanation given to us, we state
as under:
i. the Balance Sheet and Profit & Loss Account and Cash Flow Statement of the bank is drawn
as per the Banking Regulation Act, 1949 (as applicable to co-operative Societies) as well as
the Maharashtra Co-operative Societies Act, 1960 (as amended by the Maharashtra Cooperative Societies (Amendment) Ordinance, 2013 (Mah. Ord. No. II of 2013);
93 dm dm{f©H$ Ahdmb
29
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ii. in our opinion proper books of accounts as required by the Maharashtra Co-operative Societies
Act, 1960 (as amended by the Maharashtra Co-operative Societies (Amendment) Ordinance,
2013 (Mah. Ord. No. II of 2013) and the Maharashtra Cooperative Societies Rules, 1961, have
been kept by the bank so far as appears from our examination of those books;
iii. the observations contained in Audit Memorandum in give all the information required by the
Maharashtra Co-operative Societies Act, 1960 (as amended by the Maharashtra Co-operative
Societies (Amendment) Ordinance, 2013 (Mah. Ord. No. II of 2013) and the Maharashtra Cooperative Societies Rules, 1961, in the manner so required, in conformity with the accounting
principles generally accepted in India;
iv. 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 fair view of state of
affairs of the Bank as at March 31, 2014 in conformity with accounting principles generally
accepted in India;
v. the Profit and Loss account, read with the notes thereon shows a true balance of profit, in
conformity with accounting principles generally accepted in India, for the year covered by the
account; and
vi. the cash flow statement, read with the notes thereon exhibit a true and fair view of state of
affairs of the Bank as at March 31, 2014 in conformity with accounting principles generally
accepted in India.
Report on Other Legal and Regulatory Matters
7. The Balance Sheet, Profit and Loss Account and cash flow statement have been drawn up in
accordance with the provisions of the Banking regulation Act 1949 as applicable to Cooperative
Societies and the Maharashtra Co-operative Societies Act, 1960 (as amended by the Maharashtra
Co-operative Societies (Amendment) Ordinance, 2013 (Mah. Ord. No. II of 2013).
8. Subject to the limitations of the audit indicated in paragraph 1 to 5 above 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 have come to our notice, have been within the powers of
the Bank.
c) the returns received from the offices and branches of the Bank have been found adequate for
the purposes of our audit.
9. In our opinion, the Balance Sheet, Profit and Loss Account and Cash Flow Statement comply with
the Accounting Standards issued by the Institute of Chartered Accountants of India from time to
time, so far as they apply to the Banking Industry.
10. The Bank has been awarded "A" audit classification for the financial year 2013-2014.
For V.G. DADHE & CO.
Chartered Accountants
FRN 101979W
CA. SARANG A. DEO
PARTNER
Date: 03-06-2014
Place: Wai, Satara
M. No. 119624
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SIGNIFICANT ACCOUNTING POLICIES AND NOTES ON FINANCIAL
STATEMENTS A. SIGNIFICANT ACCOUNTING POLICIES
1. GENERAL :
A. The financial statements are prepared on Historical Cost basis and on the assumption of going
concern concept and conform to the Statutory provisions and practices prevailing in the Banking
Industry except otherwise stated.
B. Revenue and Expenses have generally been accounted for on accrual basis except in the
following cases
i) Interest on NPAs
ii) Commission on Bank Guarantee
iii) Dividend
2. REVENUE RECOGNITION :
Income / Expenditure is accounted on accrual basis except in respect of the following items, the
same is accounted on cash basis.
a. Interest on Non-Performing Assets (As per the directives of Reserve Bank of India)
b. Dividend on Investment in Shares
3. INVESTMENTS :
The bank has categorised its investments in SLR securities into two categories viz, "Held to Maturity
"& " Available For Sale" in accordance with the RBI guidelines.
All investments are valued in accordance with the existing RBI guidelines. Investments held under
"Held to Maturity" category have been valued at acquisition cost. Premium on such investment is
amortised over the residual life of the particular investment.
4. FIXED ASSETS AND DEPRECIATION :
a. Fixed assets are stated at their Written Down Value.
b. Depreciation is provided on Fixed Assets on Written Down Value method (WDV) except on
Computers. The depreciation on the Computer is charged on Straight Line Method (SLM)
Depreciation is provided at the following different rates on various assets as prescribed by
Head Office.
Asset
Rate of depreciation
Building
10%
Furniture, fixture
10%
Vehicle
20%
Electrical Installation
20%
Computer hardware & software
33.33%
c. Depreciation on fixed assets is charged on quarterly basis. If asset is purchased and installed,
the depreciation is calculated from the date of purchase or installation to year end date. If the
asset is put to use more than 180 days, the depreciation is required to charge as full rate,
otherwise it will be 50% of normal rate of depreciation.
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5. ADVANCES AND PROVISIONS :
All advances are classified in accordance with RBI guidelines/ directives/ prudential norms. The
provisions are made at the levels prescribed by RBI or at suitably higher level keeping in view
principles of conservatism.
6. EMPLOYEE BENEFITS :
Contribution to Provident Fund and Family Pension Scheme is made to EPF Scheme of Government
of India and accounted for on actual payment basis.
The bank has opted for contributing the employee retirement benefits as per Defined Contribution
Scheme. Accordingly, Bank has made arrangements with LIC of India for managing Gratuity Fund.
Contributions are made every year based on the actuarial calculations done by LIC of India.
7. TAXATION :
Income Tax expenses for the year comprises of Current and Deferred Taxes. Provision for current
income tax as per the provisions of Income Tax Act, 1961 as applicable for the A.Y. 2013-14 is
made in the books of accounts. Deferred Tax reflects the impact of timing differences between
taxable income and accounting income measured at rates applicable on the Balance Sheet date.
The deferred tax asset is recognised only to the extent that there is reasonable certainty that
sufficient future income will be available against which such deferred tax assets can be realized.
NOTES ON FINANCIAL STATEMENTS :
1. CASH FLOW STATEMENT (AS - 3) :
The Bank has prepared and disclosed the Cash Flow statement following the direct method, whereby
major cases of gross cash receipt and gross cash payments are disclosed.
2. NET PROFIT OR LOSS FOR THE PERIOD, PRIOR PERIOD ITEMS AND CHANGES IN ACCOUNTING POLICIES :
There are no material prior period items included in Profit and Loss Account except otherwise
stated. There were no changes in accounting policies.
3. EMPLOYEE BENEFITS (AS - 15) :
The details regarding the Gratuity liability is disclosed as certified by the actuary.
Sr.No.
Particulars
31/03/2014 Gratuity Fund
1.
Discount Rate
8%
2.
Expected Return on plan assets
3.
Salary Escalation Rate
4.
Reconciliation of Opening & Closing balance of
the present value of the defined benefit obligation
9.25%
7%
Present value obligation as at 01. 04.2013
210.99
Interest Cost
16.88
Current Service Cost
13.09
Liability transfer in
---
Benefits paid
(3.06)
Actuarial (gain) / Loss on obligations
(33.28)
Present value obligation as at 31.03.2014
204.61
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5.
Reconciliation of Opening & Closing balance
of the fair value of the plan asset
Fait value of plan asset as at 01.04.2013
108.70
Expected return on plan assets
11.72
Contributions
35.00
Transfer from other entity
---
Benefits paid
3.06
Actuarial (gain) / Loss plan assets
---
Fait value of plan asset as at 31.03.2014
6.
7.
152.36
Amount recognized in Balance Sheet
Present value of obligation as at 31.03.2014
204.61
Fair value of plan assets as at 31.03.2014
152.36
Assets / (Liability) as at 31.03.2014
(52.25)
Expected recognized in profit & loss account
Current Service Cost
13.09
Interest Cost
16.99
Expected Returns of Plan Assets
11.72
Net Actuarial (gain) / loss
(33.28)
Expenses recognised in Profit & Loss Account
(15.03)
4. SEGMENT REPORTING (AS - 17) :
As per the Accounting Standard 17, the Bank is operating in only one Business Reportable Segment
i.e. Retail Banking & Investments and also the Bank is having operational area of State of
Maharashtra. Hence, separate segment wise bifurcation is not required.
5. RELATED PARTY DISCLOSURE (AS - 18) :
The Bank don't have any party under the category 'Key Managerial Personnel', therefore, no
further details need to be disclosed under AS-18 read with RBI circular dated 29th March, 2003.
6. DEFERRED TAX ASSET (AS - 22) :
Deferred Tax Asset is recognised on the basis of timing difference of depreciation.
7. IMPAIRMENT OF ASSETS (AS - 28) :
In the opinion of the management, there is no impairment of the assets of the Bank.
8. PROVISIONS, CONTINGENT LIABILITIES & CONTINGENT ASSETS (AS - 29) :
The Bank has made provisions for Special Reserve, BDDR, Standard Asset Provision, Depreciation
on Investments, other necessary provisions except otherwise stated
9. The Statement of significant Accounting Policies and Notes on Financial Statements Form an
integral part of the accounts.
10. Previous years figures have been re-grouped / reclassified wherever necessary to conform to
current year's classification.
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