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JALORE NAGRIK SAHAKARI BANK LIMITED JALORE |
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Form – A |
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FORM OF BALANCE-SHEET(AUDITED) |
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Balance-Sheet as on Dated : 31.03.2023 |
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(Amount in `) |
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Capital and Liabilities |
Schedule |
Current Year 31.03.2023 |
Previous Year 31.03.2022 |
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(1) Capital |
1 |
127,954,850 |
119,800,950 |
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(2) Reserve Fund & Other Reserves |
2 |
345,445,449 |
313,612,903 |
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(3) Principal/ Subsidiary State Partnership |
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0 |
0 |
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Fund Account |
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(4) Deposits & Other Accounts |
3 |
3,250,649,465 |
2,980,814,133 |
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(5) Borrowings |
4 |
0 |
0 |
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(6) Bills for Collection Being Bills |
550,000 |
0 |
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Receivable as per Contra |
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(7) Other Liabilities |
5 |
156,126,965 |
155,995,483 |
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of which (7) Interest Payable on Deposits |
128,953,201 |
135,996,760 |
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(8) Branch Adjustments |
0 |
0 |
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(9) Provisions |
6 |
136,918,175 |
128,550,755 |
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of which (8) Overdue Interest on Loans & Advances (As per Contra) |
9,499,911 |
14,053,235 |
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(10) Profit & Loss |
7 |
53,401,445 |
43,796,606 |
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Total |
4,071,046,349 |
3,742,570,830 |
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Contingent Liabilities : |
14 |
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--- Bank Guarantees |
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25,000 |
25,000 |
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--- Depositor Education & Awareness Fund |
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33,185,995 |
26,045,547 |
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--- Others : Arrear Charges Payable |
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818,525 |
528,268 |
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(Amount in `) |
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Property and Assets |
Schedule |
Current Year 31.03.2023 |
Previous Year 31.03.2022 |
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(1) Cash & Cash Equivalents |
8.1 |
223,662,135 |
153,615,321 |
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(2) Balances with other Banks |
8.2 |
368,944,669 |
456,007,288 |
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(3) Money at Call and Short Notice |
0 |
0 |
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(4) Investments |
9 |
1,408,752,194 |
1,398,478,984 |
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(5) Investments out of Principal/ Subsidiary |
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0 |
0 |
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State Partnership Fund Account |
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(6) Advances |
10 |
1,949,984,656 |
1,608,401,880 |
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(7) Interest Receivable |
11 |
42,594,328 |
60,822,223 |
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i. On Investments |
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24,045,080 |
37,953,808 |
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ii. On Loans & Advances (Standard) |
9,049,337 |
8,742,450 |
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iii. On Loans & Advances (Overdue Interest & Charges) |
9,499,911 |
14,125,965 |
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(8) Bills Receivable Being Bills for Collection as per Contra |
550,000 |
0 |
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(9) Branch Adjustments |
0 |
0 |
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(10) Fixed Assets |
12 |
32,918,095 |
28,987,613 |
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(12) Other Assets |
13 |
43,640,272 |
36,257,521 |
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Total |
4,071,046,349 |
3,742,570,830 |
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As per Audit Report of even date : 29-Apr-2023 |
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For M/s C L Yadav & Associates |
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Chartered Accountants |
--sd-- |
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--sd-- |
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FRN 011132C |
(Posaram Prajapat) (Parmanand Bhatt) |
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Sr. Manager (Admi.) C.E.O. |
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--sd-- |
--sd-- |
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--sd-- |
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Partner |
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(CA B L Yadav) |
(Lalit Kumar Dave) (CA Mohan Parashar) |
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M. No - 412916 |
Vice Chairman |
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Chairman |
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UDIN : 23412916BGUMGQ7848 |
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JALORE NAGRIK SAHAKARI BANK LIMITED JALORE |
FORM B |
Form of Profit and Loss Account |
PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31.03.2023 |
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(Amount in `) |
I. Income |
Schedule |
Current Year 31.03.2023 |
Previous Year 31.03.2022 |
(1) Interest & Discount |
15 |
324,992,068 |
301,689,792 |
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(2) Other Income |
16 |
12,385,305 |
15,254,943 |
a. Commission |
3,723,332 |
4,585,777 |
b. Profit on sale of fixed assets |
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134,765 |
109,186 |
c. Interest on I.T. refund |
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0 |
0 |
d. Miscellaneous Income |
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8,527,208 |
10,559,980 |
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Total |
337,377,373 |
316,944,735 |
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II. Expenditure |
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(1) Interest on Deposits, Borrowings, etc. |
17 |
161,275,677 |
170,151,282 |
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(2) Operating Expended |
18 |
92,159,416 |
78,577,568 |
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(3) Provision & Contingencies |
19 |
30,540,835 |
24,419,279 |
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Total |
283,975,928 |
273,148,129 |
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III. Profit/Loss |
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(1) Net Profit for the Year |
7 |
53,401,445 |
43,796,606 |
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(2) Profit/Loss(-) brought forward |
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0 |
0 |
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Net Profit carried to Balance Sheet |
53,401,445 |
43,796,606 |
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As per Audit Report of even date : 29-Apr-2023 |
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For M/s C L Yadav & Associates |
--sd-- |
--sd-- |
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Chartered Accountants |
(Posaram Prajapat) (Parmanand Bhatt) |
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FRN 011132C |
Sr. Manager (Admi.) C.E.O. |
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--sd-- |
--sd-- |
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--sd-- |
Partner |
(Lalit Kumar Dave) (CA Mohan Parashar) |
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(CA B L Yadav) |
Vice Chairman |
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Chairman |
M. No - 412916 |
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UDIN : 23412916BGUMGQ7848 |
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JALORE NAGRIK SAHAKARI BANK LIMITED, JALORE
Near Haridev Joshi Circle, Head Office – Jalore (Rajasthan)
Schedules forming part of Accounts For the year ended March 31, 2023
Schedule 1 – CAPITAL
(Amount In ₹)
Particulars
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As on 31.3.2023
(current year)
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As on 31.3.2022
(previous year)
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Authorised
Capital
(20,00,000 Shares
of Rs 100/- each)
(Previous Year 20,00,000 Shares)
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20,00,00,000
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20,00,00,000
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Issued
Capital
(12,79,548
Shares of Rs 100/- each)
(Previous
Year 11,98,009 Shares)
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12,79,54,850
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11,98,00,950
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Subscribed
Capital
(12,79,548
Shares of Rs 100/- each)
(Previous
Year 11,98,009 Shares)
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12,79,54,850
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11,98,00,950
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Called-up
Capital
(12,79,548
Shares of Rs 100/- each)
(Previous Year 11,98,009 Shares)
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12,79,54,850
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11,98,00,950
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Less : Calls Unpaid
(
------ Shares of Rs ----- each)
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0
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0
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Add: Forfeited shares
(
------ Shares of Rs ----- each)
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0
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0
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Total
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12,79,54,850
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11,98,00,950
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Schedule 2 – RESERVE FUND
& OTHER RESERVES
(Amount In ₹)
Particulars
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As on 31.3.2023
(current year)
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As on 31.3.2022 (previous year)
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I)
Statutory Reserve
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13,61,69,848
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12,52,20,697
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II)
Building Fund
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4,19,22,595
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3,44,22,595
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III)
Bad & Doubtful Debt Reserve
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7,65,30,691
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7,40,30,691
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IV)
Other Fund & Reserve
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a)
General Reserve
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3,75,15,632
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3,68,35,958
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b)
Dividend Equalization Fund
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22,86,707
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22,86,707
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c)
Investment Fluctuation Reserve
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3,34,56,400
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2,54,56,400
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d)
Charity Fund
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30,70,500
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28,70,500
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e)
Staff Welfare Fund
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64,64,949
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62,99,194
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f)
Members Welfare Fund
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36,00,000
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33,00,000
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g)
Co-operative Education Fund
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14,28,127
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9,90,161
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h)
Director Awareness &
Education Fund
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0
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4,00,000
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i)
Cyber Security & I.T. Fund
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30,00,000
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15,00,000
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Total
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34,54,45,449
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31,36,12,903
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Schedule 3 – DEPOSITS &
OTHER ACCOUNTS
(Amount In ₹)
Particulafrs
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As on 31.3.2023
(current year)
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As on 31.3.2022 (previous year)
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I)
Fixed Deposits :
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a)
Individuals & Others
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200,33,83,049
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187,03,88,381
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b)
Other Societies
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12,29,13,995
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11,48,76,832
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Total (I)
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212,62,97,044
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198,52,65,213
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II) Saving
Bank Deposits :
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c)
Individuals & Others
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90,82,39,492
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86,11,14,988
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d)
Other Societies
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4,59,55,895
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3,93,16,060
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Total (II)
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95,41,95,387
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90,04,31,048
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III) Current
Deposits :
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e)
Individuals & Others
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15,88,27,406
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8,46,88,744
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f)
Credit Balance of Loan A/c
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59,64,441
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73,56,866
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g)
Other Societies
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53,65,187
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30,72,262
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Total (III)
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17,01,57,034
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9,51,17,872
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Total (I+II+III)
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325,06,49,465
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298,08,14,133
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Schedule 4 – BORROWINGS
(Amount In ₹)
Particulafrs
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As on 31.3.2023
(current year)
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As on 31.3.2023 (previous year)
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i) From the Reserve Bank of India/State/Central
Co-op Bank
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a) Short-Term Loans, Cash Credit and Overdrafts
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0
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0
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of which secured against -
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A)
Government & Other Approved
Securities
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B)
Other Tangible Securities
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b) Medium-Term Loans
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0
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0
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of which secured against -
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A)
Government & Other Approved
Securities
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B)
Other Tangible Securities
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c) Long-Term Loans
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0
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0
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of which secured against -
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A)
Government & Other Approved
Securities
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B)
Other Tangible Securities
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ii) From the State Bank of India
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0
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0
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iii) From the State Government
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0
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0
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iv) Loans from other sources
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0
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0
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v) Borrowings outside India
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0
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0
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Total (I+II+III+IV+V)
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0
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0
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Schedule 5 – OTHER LIABILITIES
(Amount In ₹)
Particulars
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As on 31.3.2023
(current year)
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As on 31.3.2022 (previous year)
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I)
Interest Payable on Deposits
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12,89,53,201
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13,59,96,760
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II)
Bills Payable
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1,43,82,508
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66,17,239
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III)
Unclaimed Dividends
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43,90,789
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34,75,643
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IV)
Sundry Creditors
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33,52,512
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29,94,172
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V)
Deferred Tax Liability
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10,63,234
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6,85,714
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VI)
Settlement Account
(Digital Channels & Others)
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50,000
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1600281
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VII)
Other Items
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a)
Share Application Money
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2,110
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1,110
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b)
TDS Payable
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14,93,972
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23,60,316
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c)
Audit Fee Payable
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2,06,620
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4,32,440
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d)
Share Capital Payable
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3,05,475
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3,05,475
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e)
GST Payable
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7,28,829
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6,43,894
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f)
HDFC Bank DD Payable
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10,92,352
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8,82,439
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g)
PMSBY & PMJJBY
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28,769
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0
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h)
Unclaimed Deposits
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76,594
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0
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Total
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15,61,26,965
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15,59,95,483
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Schedule 6 – PROVISIONS
(Amount In ₹)
Particulars
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As on 31.3.2023
(current year)
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As on 31.3.2022 (previous year)
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I)
For Standard Assets
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78,58,781
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64,14,960
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II)
For NPA
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4,33,43,215
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4,33,43,215
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III)
For Bad & Doubtful Debts
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3,64,43,085
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3,20,40,551
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IV)
For Investment Depreciation
Reserve(IDR)
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37,05,321
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20,74,548
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V)
For Special Reserve u/s
36(1)(viii)of IT Act
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42,00,000
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27,00,000
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VI)
For Overdue Interest
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94,99,911
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1,40,53,235
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VII)
For Contingent Liability
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35,30,860
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35,30,860
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VIII) For Bonus
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10,60,723
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10,65,828
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IX)
For Expenses
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0
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1,83,000
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X)
For Income Tax on Profit
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1,89,24,721
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1,47,93,000
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XI)
For Fraud
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83,51,558
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83,51,558
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Total
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13,69,18,175
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12,85,50,755
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Schedule 7 – PROFIT & LOSS
(Amount In ₹)
Particulars
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As on 31.3.2023 (current year)
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As on 31.3.2022 (previous year)
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Profit as per last Balance
Sheet (a)
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4,37,96,605.93
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4,82,09,402.75
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Less : Appropriation of profit for the year 2021-2022
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Statutory Reserve Funds
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1,09,49,151
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1,20,52,351
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Co-operative Education Fund
|
4,37,966
|
4,82,094
|
Bad & Doubtful Reserve
|
25,00,000
|
55,00,000
|
Dividends
|
1,16,38,235
|
1,12,38,865
|
Dividend Equalization Funds
|
0
|
0
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Staff Welfare Funds
|
5,00,000
|
5,00,000
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Charity Funds
|
2,00,000
|
2,00,000
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Investment Fluctuation Reserve(IFR)
|
80,00,000
|
60,00,000
|
Members Welfare Funds
|
3,00,000
|
3,00,000
|
Director Education and Awareness Fund
|
0
|
4,00,000
|
Cyber Security & I.T. Funds
|
15,00,000
|
15,00,000
|
Building Funds
|
75,00,000
|
0
|
General Reserve
|
2,71,253.93
|
100,36,092.75
|
(b)
|
4,37,96,605.93
|
4,82,09,402.75
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(a)-(b)
|
0
|
0
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Add : Profit for the year as per Profit & Loss
Accounts
|
5,34,01,444.63
|
4,37,96,605.93
|
Schedule 8.1 – CASH
(Amount In ₹)
Particulars
|
As on 31.3.2023 (current year)
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As on 31.3.2022 (previous year)
|
i)
Cash in Hand
|
3,25,80,689
|
3,68,82,353
|
ii) Cash in ATM
|
2,13,75,900
|
1,28,99,300
|
ii) Cash with Reserve Bank of India
|
0
|
0
|
iii) Cash with State Bank of India & Corresponding
new Banks
|
12,72,00,427
|
9,40,10,049
|
iv) Cash with Central Co-operative Bank
|
4,25,05,119
|
98,23,619
|
Total
|
22,36,62,135
|
15,36,15,321
|
Schedule 8.2 – BALANCE WITH
BANKS AND MONEY at CALL AND SHORT NOTICE
(Amount In ₹)
Particulars
|
As on 31.3.2023 (current year)
|
As on 31.3.2022 (previous year)
|
i) Current Deposits
|
14,00,02,684
|
5,70,67,000
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ii) Saving Bank Deposits
|
0
|
0
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iii) Fixed Deposits (Including `6.25cr pledge with HDFC Bank Ltd for settlement of RTGS/NEFT,ATM,PoS,E-Com,IMPS & Treasury
operations)
|
22,89,41,985
|
39,89,40,288
|
Total
|
36,89,44,669
|
45,60,07,288
|
Schedule 9 – INVESTMENTS
(Amount In ₹)
Particulars
|
As on 31.3.2023 (current year)
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As on 31.3.2022 (previous year)
|
I. Investment in India in
|
|
|
(i) Government Securities
Face Value – 11577.00 Lakh
Market Value – 11689.59 Lakh
|
113,37,41,194
|
111,34,67,984
|
(ii) Other approved securities
|
0
|
0
|
(iii) Shares
Shares in Co-operative Institutions
|
11,000
|
11,000
|
(iv) Debentures and Bonds
|
0
|
0
|
(v) Subsidiaries and/or joint ventures
|
0
|
0
|
(vi) Others (to be specified)
Units of Mutual Funds (Liquid Fund Scheme)
|
27,50,00,000
|
28,50,00,000
|
Total
|
140,87,52,194
|
139,84,78,984
|
Schedule 10 – ADVANCES
(Amount In ₹)
Particulars
|
As on 31.3.2023 (current year)
|
As on 31.3.2022 (previous year)
|
A.
|
|
|
I.
Bills purchased and discounted
|
0
|
0
|
II. Cash Credits, Overdrafts and loans repayable on
demand
|
57,11,09,749
|
54,61,81,911
|
III. Term Loans
|
137,88,74,907
|
106,22,19,969
|
Total
|
194,99,84,656
|
160,84,01,880
|
B.
|
|
|
I.
Secured by tangible Assets
|
1,92,07,28,930
|
1,57,94,15,577
|
II. Covered by Bank/Government
|
2,82,26,085
|
2,76,46,905
|
III. Unsecured
|
10,29,641
|
13,39,398
|
Total
|
194,99,84,656
|
160,84,01,880
|
C. (I) Advances in India
|
|
|
I.
Priority Sector
|
122,87,51,791
|
106,47,19,775
|
II. Public Sector
|
0
|
0
|
III. Banks
|
0
|
0
|
IV. Others
|
72,12,32,865
|
54,36,82,105
|
IV. Covered by Bank/Government
|
0
|
0
|
Total
|
194,99,84,656
|
160,84,01,880
|
C. (II) Advances outside India
|
|
|
I.
Due from banks
|
0
|
0
|
II. Due from others
|
0
|
0
|
(a) Bills purchased and discounted
|
0
|
0
|
(b) Syndicated loans
|
0
|
0
|
(c) Others
|
0
|
0
|
Total
|
0
|
0
|
Grand Total(C.I and II)
|
194,99,84,656
|
160,84,01,880
|
Schedule 11 – INTEREST
RECEIVABLE
(Amount In ₹)
Particulars
|
As on 31.3.2023 (current year)
|
As on 31.3.2022 (previous year)
|
I.
Interest Receivable
|
|
|
a.
On Investment (Govt. Securities)
|
1,59,84,377
|
1,51,91,518
|
b.
On Balance with other Inter-Bank
Funds
|
80,60,703
|
2,27,62,290
|
c.
On Loan & Advances
(Standard)
|
90,49,337
|
87,42,450
|
d.
On Loan & Advances (Overdue
Int & Charges)
|
94,99,911
|
1,41,25,965
|
Total (a+b-c-d)
|
4,25,94,328
|
6,08,22,223
|
Schedule 12 – FIXED ASSETS
(Amount In ₹)
Particulars
|
As on 31.3.2023 (current year)
|
As on 31.3.2022 (previous year)
|
I. Premises
|
|
|
a.
At cost as on 31st
March 2022
|
1,27,15,145
|
1,28,92,838
|
b.
Additions during the year
|
0
|
2,50,000
|
c.
Deductions during the year
|
0
|
0
|
d.
Depreciation to date
|
3,97,424
|
4,27,693
|
Total (a+b-c-d)
|
1,23,17,721
|
1,27,15,145
|
II. Other Fixed Assets (Including F&F)
|
|
|
a.
At cost as on 31st
March 2022
|
1,62,72,468
|
1,60,14,848
|
b.
Additions during the year
|
1,05,29,017
|
50,23,565
|
c.
Deductions during the year
|
1,235
|
14
|
d.
Depreciation to date
|
61,99,876
|
47,65,931
|
Total (a+b-c-d)
|
2,06,00,374
|
1,62,72,468
|
Total (I and II)
|
3,29,18,095
|
2,89,87,613
|
Schedule 13 – OTHER ASSETS
(Amount In ₹)
Particulars
|
As on 31.3.2023 (current year)
|
As on 31.3.2022 (previous year)
|
I.
Inter-office adjustment (net)
|
0
|
0
|
II. Tax Paid in advance/tax deducted at source
|
2,01,86,916
|
1,77,11,775
|
III. Stationery and stamps
|
13,57,951
|
11,72,299
|
IV. Non-banking assets acquire in satisfaction of claims
|
0
|
0
|
V.
Others*
|
2,20,95,405
|
1,73,73,447
|
Total
|
4,36,40,272
|
3,62,57,521
|
Schedule 14 – CONTINGENT
LIABILITIES
(Amount In ₹)
Particulars
|
As on 31.3.2023 (current year)
|
As on 31.3.2022 (previous year)
|
I.
Claim against the bank not
acknowledge as debts
|
0
|
0
|
II. Liability for partly paid investment
|
0
|
0
|
III. Liability on account of outstanding forward exchange
contracts
|
0
|
0
|
IV. Guarantees given on behalf of constituents
(a) In India
(b) Outside India
|
25,000
0
|
25,000
0
|
V.
Acceptances, endorsements and
other obligations
|
0
|
0
|
VI. Unclaimed Liabilities under DEAF Scheme
|
3,31,85,995
|
2,60,45,547
|
VII. Other Items for which the Bank is contingently
Liable – Arrear Charges Payable
|
8,18,525
|
5,28,268
|
Total
|
3,40,29,520
|
2,65,98,815
|
Schedule 15 – INTEREST EARNED
(Amount In ₹)
Particulars
|
As on 31.3.2023 (current year)
|
As on 31.3.2022 (previous year)
|
I.
Interest/discount on
advances/bills
|
20,07,09,461
|
18,03,25,752
|
II. Income from investments
|
10,23,28,673
|
9,60,91,787
|
III. Interest on balance with RBI and other inter-bank
funds
|
2,19,53,934
|
2,52,72,253
|
IV. Others
|
0
|
0
|
Total
|
32,49,92,068
|
30,16,89,792
|
Schedule 16 – OTHER INCOME
(Amount In `)
Particulars
|
As on 31.3.2023 (current year)
|
As on 31.3.2022 (previous year)
|
I.
Commission, exchange and
brokerage
|
37,23,332
|
45,85,777
|
II. Profit on sale of investments
Less : Loss on investments
|
0
|
0
|
III. Profit on revaluation of investments
|
0
|
0
|
IV. Profit on sale of land, buildings and other assets
Less : Loss on sale of land, buildings and other
assets
|
1,34,765
|
1,09,186
|
V.
Profit on exchange transactions
Less : Loss on exchange transactions
|
0
|
0
|
VI. Income earned by way of dividends, etc.
from subsidiaries/companies and/or joint ventures
abroad/in India
|
0
|
0
|
VII. Interest received on I.T. refund
|
0
|
0
|
VIII. Miscellaneous Income
|
85,27,208
|
1,05,59,980
|
Total
|
1,23,85,305
|
1,52,54,943
|
Note : Under items II to V
loss figures shall be shown in brackets.
Schedule 17 – INTEREST
EXPENDED
(Amount In ₹)
Particulars
|
As on 31.3.2023 (current year)
|
As on 31.3.2022 (previous year)
|
I.
Interest on deposits (Fixed
& RD)
|
13,43,72,160
|
14,31,72,465
|
II. Interest on deposits (Saving)
|
2,69,03,517
|
2,69,78,817
|
III. Interest on RBI/inter-bank borrowings
|
0
|
0
|
IV. Others
|
0
|
0
|
Total
|
16,12,75,677
|
17,01,51,282
|
Schedule 18 – OPERATING
EXPENSES
(Amount In ₹)
Particulars
|
As on 31.3.2023 (current year)
|
As on 31.3.2022 (previous year)
|
I.
Payment to and provisions
for employees
|
5,56,24,393
|
4,95,64,004
|
I.
Rent, taxes and lighting
|
82,83,255
|
68,75,941
|
II. Printing and stationery
|
9,08,293
|
8,19,718
|
III. Advertisement and publicity
|
18,59,716
|
7,27,320
|
IV. Depreciation on bank’s property
|
65,97,300
|
51,93,624
|
V.
Director’s fees, allowances and
expenses
|
6,55,565
|
4,28,053
|
VI. Auditors’ fees and expenses (including branch auditors)
|
9,89,952
|
12,82,430
|
VII. Law charges
|
5,20,047
|
4,16,452
|
VIII. Postages, Telegrams, Telephones, etc.
|
4,96,247
|
5,60,448
|
IX. Repairs and maintenance
|
12,59,937
|
5,83,218
|
X.
Insurance
|
44,36,585
|
42,75,857
|
a.
Premium Paid to DICGC
|
--- 41,07,344
|
--- 40,35,605
|
b.
All other Insurance Premium
|
--- 3,29,241
|
--- 2,40,252
|
XI. Amortization of Premium paid on Investment
|
34,124
|
29,541
|
XII. Other expenditure
|
1,04,94,002
|
78,20,962
|
Total
|
9,21,59,416
|
7,85,77,568
|
Schedule 19 – PROVISION MADE
(Amount In ₹)
Particulars
|
As on 31.3.2023 (current year)
|
As on 31.3.2022 (previous year)
|
I.
Provision for Special Reserve u/s 36(1)(viii)of IT Act
|
15,00,000
|
13,50,000
|
II. Provision for Deferred Tax Liability
|
3,77,520
|
3,39,768
|
III. Provision for IDR
|
16,30,773
|
19,10,548
|
IV. Provision for Bad & Doubtful Debts
|
63,00,000
|
49,96,000
|
V.
Provision for Standard Assets
|
14,43,821
|
3,84,414
|
VI. Provision for NPA
|
0
|
0
|
VII. Provision for Contingent Liability
|
0
|
7,92,860
|
VIII. Provision for Cyber/ATM Fraud
|
3,64,000
|
0
|
IX. Provision for I.T. on Profit
|
1,89,24,721
|
1,46,45,689
|
Total
|
3,05,40,835
|
2,44,19,279
|
(Sh Parmanand Bhatt)
(Statutory
Auditor) Chief
Executive Officer