ANNUAL REPORT
24th Annual Report 2021-2022 booklet download
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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 : 31.03.2022
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(Amount in `)
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Capital and Liabilities
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Schedule
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Current Year 31.03.2022
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Previous Year 31.03.2021
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(1) Capital
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1
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11,98,00,950
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11,63,82,350
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(2) Reserve Fund & Other Reserves
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2
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31,36,12,903
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27,52,49,072
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(3) Principal/ Subsidiary State Partnership
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0
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0
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Fund Account
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(4) Deposits & Other Accounts
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3
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2,98,08,14,133
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2,92,79,82,309
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(5) Borrowings
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4
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0
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0
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(6) Bills for Collection Being Bills
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0
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0
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Receivable as per Contra
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(7) Other Liabilities
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5
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15,59,95,483
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15,44,09,469
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of which (7) Interest Payable on Deposits
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13,59,96,760
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13,64,94,579
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(8) Branch Adjustments
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0
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0
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(9) Provisions
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6
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12,85,50,755
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12,23,79,189
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of which (8) Overdue Interest on Loans & Advances (As per Contra)
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1,40,53,235
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1,39,97,206
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(10) Profit & Loss
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7
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4,37,96,606
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4,82,09,403
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Total
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3,74,25,70,830
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3,64,46,11,792
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Contingent Liabilities :
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14
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--- Bank Guarantees
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25,000
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0
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--- Depositor Education & Awareness Fund
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2,60,45,547
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2,00,07,336
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--- Others : Arrear Charges Payable
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5,28,268
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0
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(Amount in `)
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Property and Assets
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Schedule
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Current Year 31.03.2022
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Previous Year 31.03.2021
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(1) Cash & Cash Equivalents
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8.1
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15,36,15,321
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15,33,03,147
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(2) Balances with other Banks
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8.2
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45,60,07,288
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44,61,33,545
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(3) Money at Call and Short Notice
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0
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(4) Investments
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9
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1,39,84,78,984
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1,41,02,84,551
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(5) Investments out of Principal/ Subsidiary
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0
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0
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State Partnership Fund Account
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(6) Advances
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10
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1,60,84,01,880
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1,51,26,46,954
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(7) Interest Receivable
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11
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6,08,22,223
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5,85,63,631
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i. On Investments
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3,79,53,808
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3,60,62,864
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ii. On Loans & Advances (Standard)
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87,42,450
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8503561
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iii. On Loans & Advances (Overdue Interest & Charges)
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1,41,25,965
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1,39,97,206
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(8) Bills Receivable Being Bills for Collection as per Contra
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0
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0
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(9) Branch Adjustments
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0
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0
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(10) Fixed Assets
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12
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2,89,87,613
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2,89,07,686
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(12) Other Assets
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13
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3,62,57,521
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3,47,72,278
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Total
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3,74,25,70,830
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3,64,46,11,792
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As per Audit Report of even date : 24-Jun-2022
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For M/s C L Yadav & Associates
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Chartered Accountants
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FRN 011132C
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(Posaram Prajapat)
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(P.L. Songara)
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Sr. Manager (Admi.)
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C.E.O.
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Partner
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(CA B L Yadav)
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(Raju Choudhary)
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(CA Nitin Solanki)
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M. No - 412916
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Vice Chairman
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Chairman
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UDIN : 22412916ALOQVM8273
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FORM B
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Form of Profit and Loss Account
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PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31.03.2022
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(Amount in `)
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I. Income
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Schedule
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Current Year 31.03.2022
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Previous Year 31.03.2021
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(1) Interest & Discount
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15
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30,16,89,792
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30,24,72,082
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(2) Other Income
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16
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1,52,54,943
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1,89,62,212
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a. Commission
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45,85,777.00
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43,07,796.00
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b. Profit on sale of fixed assets
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1,09,186.00
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88,203.00
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c. Interest on I.T. refund
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0.00
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2,25,560.00
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d. Miscellaneous Income
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1,05,59,980.00
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1,43,40,653.00
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Total
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31,69,44,735
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32,14,34,294
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II. Expenditure
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(1) Interest on Deposits, Borrowings, etc.
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17
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17,01,51,282
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17,52,83,939
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(2) Operating Expended
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18
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7,85,77,568
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7,25,54,754
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(3) Provision & Contingencies
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19
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2,44,19,279
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2,53,86,198
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Total
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27,31,48,129
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27,32,24,891
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III. Profit/Loss
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(1) Net Profit for the Year
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7
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4,37,96,606
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4,82,09,403
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(2) Profit/Loss(-) brought forward
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0
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0
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Net Profit carried to Balance Sheet
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4,37,96,606
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4,82,09,403
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As per Audit Report of even date : 24-Jun-2022
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For M/s C L Yadav & Associates
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-- sd --
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-- sd --
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Chartered Accountants
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(Posaram Prajapat)
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(P.L. Songara)
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FRN 011132C
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Sr. Manager (Admi.)
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C.E.O.
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--sd--
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-- sd --
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-- sd --
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Partner
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(Raju Choudhary)
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(CA Nitin Solanki)
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(CA B L Yadav)
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Vice Chairman
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Chairman
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M. No - 412916
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UDIN : 22412916ALOQVM8273
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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, 2022
Schedule 1 – CAPITAL
(Amount In `)
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Particulars
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As on 31.3.2022
(current year)
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As on 31.3.2021
(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
(11,98,009 Shares of Rs 100/- each)
(Previous Year 11,63,823 Shares)
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11,98,00,950
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11,63,82,350
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Subscribed Capital
(11,98,009 Shares of Rs 100/- each)
(Previous Year 11,63,823 Shares)
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11,98,00,950
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11,63,82,350
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Called-up Capital
(11,98,009 Shares of Rs 100/- each)
(Previous Year 11,63,823 Shares)
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11,98,00,950
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11,63,82,350
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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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11,98,00,950
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11,63,82,350
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Schedule 2 – RESERVE FUND & OTHER RESERVES
(Amount In `)
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Particulars
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As on 31.3.2022
(current year)
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As on 31.3.2021
(previous year)
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12,52,20,697
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11,15,00,319
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3,44,22,595
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3,44,22,595
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- Bad & Doubtful Debt Reserve
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7,40,30,691
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6,85,30,691
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3,68,35,958
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2,67,94,955
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- Dividend Equalization Fund
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22,86,707
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22,86,707
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- Investment Fluctuation Reserve
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2,54,56,400
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1,94,56,400
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28,70,500
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27,50,500
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62,99,194
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59,48,838
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33,00,000
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30,50,000
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- Co-operative Education Fund
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9,90,161
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5,08,067
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- Director Awareness & Education Fund
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4,00,000
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0
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- Cyber Security & I.T. Fund
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15,00,000
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0
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Total
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31,36,12,903
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27,52,49,072
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Schedule 3 – DEPOSITS & OTHER ACCOUNTS
(Amount In `)
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Particulafrs
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As on 31.3.2022
(current year)
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As on 31.3.2021
(previous year)
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|
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187,03,88,381
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189,43,18,809
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11,48,76,832
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10,41,65,805
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Total (I)
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198,52,65,213
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199,84,84,614
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86,11,14,988
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79,90,36,557
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3,93,16,060
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3,88,56,371
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Total (II)
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90,04,31,048
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83,78,92,928
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8,46,88,744
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7,93,26,573
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- Credit Balance of Loan A/c
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73,56,866
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1,14,26,167
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30,72,262
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8,52,027
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Total (III)
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9,51,17,872
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9,16,04,767
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Total (I+II+III)
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298,08,14,133
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292,79,82,309
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Schedule 4 – BORROWINGS
(Amount In `)
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Particulafrs
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As on 31.3.2022
(current year)
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As on 31.3.2021
(previous year)
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i) From the Reserve Bank of India/State/Central Co-op Bank
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- 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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|
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0
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0
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of which secured against -
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|
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- A) Government & Other Approved Securities
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|
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- B) Other Tangible Securities
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|
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|
|
|
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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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|
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- B) Other Tangible Securities
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|
|
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|
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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
|
Schedule 5 – OTHER LIABILITIES
(Amount In `)
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Particulars
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As on 31.3.2022
(current year)
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As on 31.3.2021
(previous year)
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- Interest Payable on Deposits
|
13,59,96,760
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13,64,94,579
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|
|
66,17,239
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62,12,975
|
|
|
34,75,643
|
57,37,348
|
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29,94,172
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23,03,299
|
|
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6,85,714
|
3,45,946
|
- Settlement Account (Digital Channels)
|
1600281
|
0
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|
|
|
|
|
1,110
|
2,120
|
|
|
23,60,316
|
17,07,275
|
|
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4,32,440
|
1,53,260
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|
|
3,05,475
|
3,05,475
|
|
|
6,43,894
|
11,47,192
|
|
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8,82,439
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0
|
- Inter Branch OBC Settlement
|
0
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0
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- Unclaimed Deposits (DD/Banker Chq)
|
0
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0
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Total
|
15,59,95,483
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15,44,09,469
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Schedule 6 – PROVISIONS
(Amount In `)
|
Particulars
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As on 31.3.2022
(current year)
|
As on 31.3.2021
(previous year)
|
|
|
64,14,960
|
60,30,546
|
|
|
4,33,43,215
|
4,33,43,215
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- III) For Bad & Doubtful Debts
|
3,20,40,551
|
2,76,50,887
|
- IV) For Investment Depreciation Reserve(IDR)
|
20,74,548
|
1,64,000
|
- V) For Special Reserve u/s 36(1)(viii)of IT Act
|
27,00,000
|
13,50,000
|
|
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1,40,53,235
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1,39,97,206
|
- VII) For Contingent Liability
|
35,30,860
|
27,38,000
|
|
|
10,65,828
|
9,40,298
|
|
|
1,83,000
|
1,47,227
|
- X) For Income Tax on Profit
|
1,47,93,000
|
1,76,66,252
|
|
|
83,51,558
|
83,51,558
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Total
|
12,85,50,755
|
12,23,79,189
|
Schedule 7 – PROFIT & LOSS
(Amount In `)
|
Particulars
|
As on 31.3.2022
(current year)
|
As on 31.3.2021
(previous year)
|
|
Profit as per last Balance Sheet (a)
|
4,82,09,402.75
|
2,63,24,520.91
|
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Less : Appropriation of profit for the year 2020-2021
|
|
|
|
Statutory Reserve Funds
|
1,20,52,351
|
65,81,130
|
|
Co-operative Education Fund
|
4,82,094
|
2,63,245
|
|
Bad & Doubtful Reserve
|
55,00,000
|
40,00,000
|
|
Dividends
|
1,12,38,865
|
0
|
|
Dividend Equalization Funds
|
0
|
0
|
|
Staff Welfare Funds
|
5,00,000
|
5,00,000
|
|
Charity Funds
|
2,00,000
|
2,00,000
|
|
Investment Fluctuation Reserve(IFR)
|
60,00,000
|
50,00,000
|
|
Members Welfare Funds
|
3,00,000
|
3,00,000
|
|
Director Education and Awareness Fund
|
4,00,000
|
0
|
|
Cyber Security & I.T. Funds
|
15,00,000
|
0
|
|
Building Funds
|
0
|
0
|
|
General Reserve
|
100,36,092.75
|
94,80,145.91
|
|
(b)
|
4,82,09,402.75
|
2,63,24,520.91
|
|
(a)-(b)
|
0
|
0
|
|
Add : Profit for the year as per Profit & Loss Accounts
|
4,37,96,605.93
|
4,82,09,402.75
|
Schedule 8.1 – CASH
(Amount In `)
|
Particulars
|
As on 31.3.2022
(current year)
|
As on 31.3.2021
(previous year)
|
|
|
3,68,82,353
|
4,51,82,329
|
|
|
1,28,99,300
|
88,75,000
|
- ii) Cash with Reserve Bank of India
|
0
|
0
|
- iii) Cash with State Bank of India & Corresponding new Banks
|
9,40,10,049
|
8,86,08,000
|
- iv) Cash with Central Co-operative Bank
|
98,23,619
|
1,06,37,818
|
|
Total
|
15,36,15,321
|
15,33,03,147
|
Schedule 8.2 – BALANCE WITH BANKS AND MONEY at CALL AND SHORT NOTICE
(Amount In `)
|
Particulars
|
As on 31.3.2022
(current year)
|
As on 31.3.2021
(previous year)
|
|
i) Current Deposits
|
5,70,67,000
|
6,03,28,197
|
|
|
0
|
0
|
- iii) Fixed Deposits (Including `6.25cr pledge with HDFC Bank Ltd for settlement of RTGS/NEFT,ATM,PoS,E-Com,IMPS & Treasury operations)
|
39,89,40,288
|
38,58,05,348
|
|
Total
|
45,60,07,288
|
44,61,33,545
|
Schedule 9 – INVESTMENTS
(Amount In `)
|
Particulars
|
As on 31.3.2022
(current year)
|
As on 31.3.2021
(previous year)
|
|
|
|
|
- (i) Government Securities
Face Value – 11377.00 Lakh
Market Value – 12033.56 Lakh
|
111,34,67,984
|
114,02,73,551
|
- (ii) Other approved securities
|
0
|
0
|
|
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)
|
28,50,00,000
|
27,00,00,000
|
|
Total
|
139,84,78,984
|
141,02,84,551
|
Schedule 10 – ADVANCES
(Amount In `)
|
Particulars
|
As on 31.3.2022
(current year)
|
As on 31.3.2021
(previous year)
|
|
|
|
|
- I. Bills purchased and discounted
|
0
|
0
|
- II. Cash Credits, Overdrafts and loans repayable on demand
|
54,61,81,911
|
56,83,42,792
|
|
|
106,22,19,969
|
94,43,04,162
|
|
Total
|
160,84,01,880
|
151,26,46,954
|
|
|
|
|
- I. Secured by tangible Assets
|
1,57,94,15,577
|
148,47,50,121
|
- II. Covered by Bank/Government
|
2,76,46,905
|
2,78,96,833
|
|
|
13,39,398
|
0
|
|
Total
|
160,84,01,880
|
151,26,46,954
|
|
|
|
|
|
|
106,44,71,835
|
105,05,48,959
|
|
|
0
|
0
|
|
|
0
|
0
|
|
|
54,25,90,647
|
46,20,97,995
|
- IV. Covered by Bank/Government
|
0
|
0
|
|
|
13,39,398
|
0
|
|
Total
|
160,84,01,880
|
151,26,46,954
|
- (II) Advances outside India
|
|
|
|
|
0
|
0
|
|
|
0
|
0
|
- (a) Bills purchased and discounted
|
0
|
0
|
|
|
0
|
0
|
|
|
0
|
0
|
|
Total
|
0
|
0
|
|
Grand Total(C.I and II)
|
160,84,01,880
|
151,26,46,954
|
Schedule 11 – INTEREST RECEIVABLE
(Amount In `)
|
Particulars
|
As on 31.3.2022
(current year)
|
As on 31.3.2021
(previous year)
|
|
|
|
|
- On Investment (Govt. Securities)
|
1,51,91,518
|
1,51,49,541
|
- On Balance with other Inter-Bank Funds
|
2,27,62,290
|
2,09,13,323
|
- On Loan & Advances (Standard)
|
87,42,450
|
85,03,561
|
- On Loan & Advances (Overdue Int & Charges)
|
1,41,25,965
|
1,39,97,206
|
|
Total (a+b-c-d)
|
6,08,22,223
|
5,85,63,631
|
Schedule 12 – FIXED ASSETS
(Amount In `)
|
Particulars
|
As on 31.3.2022
(current year)
|
As on 31.3.2021
(previous year)
|
|
|
|
|
- At cost as on 31st March 2021
|
1,28,92,838
|
1,33,54,164
|
- Additions during the year
|
2,50,000
|
0
|
- Deductions during the year
|
0
|
0
|
|
|
4,27,693
|
4,61,326
|
|
Total (a+b-c-d)
|
1,27,15,145
|
1,28,92,838
|
- Other Fixed Assets (Including F&F)
|
|
|
- At cost as on 31st March 2021
|
1,60,14,848
|
1,77,01,155
|
- Additions during the year
|
50,23,565
|
23,59,226
|
- Deductions during the year
|
14
|
11,007
|
|
|
47,65,931
|
40,34,526
|
|
Total (a+b-c-d)
|
1,62,72,468
|
1,60,14,848
|
|
Total (I and II)
|
2,89,87,613
|
2,89,07,686
|
Schedule 13 – OTHER ASSETS
(Amount In `)
|
Particulars
|
As on 31.3.2022
(current year)
|
As on 31.3.2021
(previous year)
|
- Inter-office adjustment (net)
|
0
|
0
|
- Tax Paid in advance/tax deducted at source
|
1,77,11,775
|
1,84,72,185
|
|
|
11,72,299
|
12,52,255
|
- Non-banking assets acquire in satisfaction of claims
|
0
|
0
|
|
|
1,73,73,447
|
1,50,47,838
|
|
Total
|
3,62,57,521
|
3,47,72,278
|
Schedule 14 – CONTINGENT LIABILITIES
(Amount In `)
|
Particulars
|
As on 31.3.2022
(current year)
|
As on 31.3.2021
(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
|
2,60,45,547
|
2,00,07,336
|
- VII. Other Items for which the Bank is contingently Liable – Arrear Charges Payable
|
5,28,268
|
0
|
|
Total
|
2,65,98,815
|
2,00,32,336
|
Schedule 15 – INTEREST EARNED
(Amount In `)
|
Particulars
|
As on 31.3.2022
(current year)
|
As on 31.3.2021
(previous year)
|
- I. Interest/discount on advances/bills
|
18,03,25,752
|
17,58,08,227
|
- II. Income from investments
|
9,60,91,787
|
9,56,24,293
|
- III. Interest on balance with RBI and other inter-bank funds
|
2,52,72,253
|
3,10,39,562
|
|
|
0
|
0
|
|
Total
|
30,16,89,792
|
30,24,72,082
|
Schedule 16 – OTHER INCOME
(Amount In `)
|
Particulars
|
As on 31.3.2022
(current year)
|
As on 31.3.2021
(previous year)
|
- Commission, exchange and brokerage
|
45,85,777
|
43,07,796
|
- Profit on sale of investments
Less : Loss on investments
|
0
|
0
|
- Profit on revaluation of investments
|
0
|
0
|
- Profit on sale of land, buildings and other assets
Less : Loss on sale of land, buildings and other assets
|
1,09,186
|
88,203
|
- Profit on exchange transactions
Less : Loss on exchange transactions
|
0
|
0
|
- 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
|
2,25,560
|
- VIII. Miscellaneous Income
|
1,05,59,980
|
1,43,40,653
|
|
Total
|
1,52,54,943
|
1,89,62,212
|
Note : Under items II to V loss figures shall be shown in brackets.
Schedule 17 – INTEREST EXPENDED
(Amount In `)
|
Particulars
|
As on 31.3.2022
(current year)
|
As on 31.3.2021
(previous year)
|
- I. Interest on deposits (Fixed & RD)
|
14,31,72,465
|
14,64,78,429
|
- II. Interest on deposits (Saving)
|
2,69,78,817
|
2,87,62,069
|
- III. Interest on RBI/inter-bank borrowings
|
0
|
43,441
|
|
|
0
|
0
|
|
Total
|
17,01,51,282
|
17,52,83,939
|
Schedule 18 – OPERATING EXPENSES
(Amount In `)
|
Particulars
|
As on 31.3.2022
(current year)
|
As on 31.3.2021
(previous year)
|
- I. Payment to and provisions for employees
|
4,95,64,004
|
4,26,19,447
|
- I. Rent, taxes and lighting
|
68,75,941
|
99,14,119
|
- II. Printing and stationery
|
8,19,718
|
11,86,651
|
- III. Advertisement and publicity
|
7,27,320
|
5,63,480
|
- IV. Depreciation on bank’s property
|
51,93,624
|
44,95,852
|
- V. Director’s fees, allowances and expenses
|
4,28,053
|
2,26,223
|
- VI. Auditors’ fees and expenses (including branch auditors)
|
12,82,430
|
6,00,350
|
|
|
4,16,452
|
2,03,586
|
- VIII. Postages, Telegrams, Telephones, etc.
|
5,60,448
|
4,86,440
|
- IX. Repairs and maintenance
|
5,83,218
|
4,50,137
|
|
|
42,75,857
|
41,60,684
|
|
|
--- 40,35,605
|
--- 38,54,562
|
- b. All other Insurance Premium
|
--- 2,40,252
|
--- 3,06,122
|
- XI. Amortization of Premium paid on Investment
|
29,541
|
29,094
|
|
|
78,20,962
|
76,18,691
|
|
Total
|
7,85,77,568
|
7,25,54,754
|
Schedule 19 – PROVISION MADE
(Amount In `)
|
Particulars
|
As on 31.3.2022
(current year)
|
As on 31.3.2021
(previous year)
|
- I. Provision for Special Reserve u/s 36(1)(viii)of IT Act
|
13,50,000
|
13,50,000
|
- II. Provision for Deferred Tax Liability
|
3,39,768
|
3,45,946
|
|
|
19,10,548
|
1,64,000
|
- IV. Provision for Bad & Doubtful Debts
|
49,96,000
|
58,60,000
|
- V. Provision for Standard Assets
|
3,84,414
|
0
|
|
|
0
|
0
|
- VII. Provision for Contingent Liability
|
7,92,860
|
0
|
- VIII. Provision for I.T. on Profit
|
1,46,45,689
|
1,76,66,252
|
|
Total
|
2,44,19,279
|
2,53,86,198
|
(Sh Phau Lal Songara)
(Statutory Auditor) Chief Executive Officer