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, 2025
Schedule 1 – CAPITAL
(Amount In ₹)
|
Particulars
|
As on 31.3.2025 (current year)
|
As on 31.3.2024 (previous year)
|
|
Authorised Capital
(20,00,000 Shares of Rs 100/- each)
(Previous Year 20,00,000 Shares)
|
20,00,00,000
|
20,00,00,000
|
|
Issued Capital
(16,25,674 Shares of Rs 100/- each)
(Previous Year 14,57,872 Shares)
|
16,25,67,400
|
14,57,87,250
|
|
Subscribed Capital
(16,25,674 Shares of Rs 100/- each)
(Previous Year 14,57,872 Shares)
|
16,25,67,400
|
14,57,87,250
|
|
Called-up Capital
(16,25,674 Shares of Rs 100/- each)
(Previous Year 14,57,872 Shares)
|
16,25,67,400
|
14,57,87,250
|
|
Less : Calls Unpaid
( ------ Shares of Rs ----- each)
|
0
|
0
|
|
Add: Forfeited shares
( ------ Shares of Rs ----- each)
|
0
|
0
|
|
Total
|
16,25,67,400
|
14,57,87,250
|
Schedule 2 – RESERVE FUND & OTHER RESERVES
(Amount In ₹)
|
Particulars
|
As on 31.3.2025 (current year)
|
As on 31.3.2024 (previous year)
|
|
I) Statutory Reserve
|
16,81,52,731
|
15,17,37,729
|
|
II) Building Fund
|
6,19,22,595
|
5,19,22,595
|
|
III) Bad & Doubtful Debt Reserve
|
4,40,81,329
|
4,40,81,329
|
|
IV) Other Fund & Reserve
|
|
|
|
a) General Reserve
|
14,42,59,335
|
12,69,42,131
|
|
b) Dividend Equalization Fund
|
0
|
0
|
|
c) Investment Fluctuation Reserve
|
4,09,56,400
|
3,59,56,400
|
|
d) Charity Fund
|
7,70,500
|
5,70,500
|
|
e) Staff Welfare Fund
|
17,83,309
|
14,19,509
|
|
f) Members Welfare Fund
|
9,00,000
|
6,00,000
|
|
g) Co-operative Education Fund
|
0
|
0
|
|
h) Director Awareness & Education Fund
|
0
|
0
|
|
i) Cyber Security & I.T. Fund
|
65,00,000
|
40,00,000
|
|
Total
|
46,93,26,199
|
41,72,30,193
|
Schedule 3 – DEPOSITS & OTHER ACCOUNTS
(Amount In ₹)
|
Particulafrs
|
As on 31.3.2025 (current year)
|
As on 31.3.2024 (previous year)
|
|
I) Fixed Deposits :
|
|
|
|
a) Individuals & Others
|
295,20,90,214
|
240,85,53,106
|
|
b) Other Societies
|
18,62,92,278
|
14,69,39,954
|
|
Total (I)
|
313,83,82,492
|
255,54,93,060
|
|
II) Saving Bank Deposits :
|
|
|
|
c) Individuals & Others
|
103,71,72,555
|
94,02,01,792
|
|
d) Other Societies
|
8,42,94,222
|
6,62,64,769
|
|
Total (II)
|
112,14,66,777
|
100,64,66,561
|
|
III) Current Deposits :
|
|
|
|
e) Individuals & Others
|
21,01,07,699
|
17,64,78,611
|
|
f) Credit Balance of Loan A/c
|
2,69,62,497
|
47,71,321
|
|
g) Other Societies
|
93,79,831
|
23,01,530
|
|
Total (III)
|
24,64,50,027
|
18,35,51,462
|
|
Total (I+II+III)
|
450,62,99,296
|
374,55,11,083
|
Schedule 4 – BORROWINGS :
(Amount In ₹)
|
Particulafrs
|
As on 31.3.2025 (current year)
|
As on 31.3.2024 (previous year)
|
|
i) From the Reserve Bank of India/State/Central Co-op Bank & Others
|
-Nil-
|
-Nil-
|
|
ii) From the State/Central Government
|
-Nil-
|
-Nil-
|
|
iii) Loans from other sources
|
-Nil-
|
-Nil-
|
|
Total (I+II+III)
|
-Nil-
|
-Nil-
|
Schedule 5 – OTHER LIABILITIES
(Amount In ₹)
|
Particulars
|
As on 31.3.2025 (current year)
|
As on 31.3.2024 (previous year)
|
|
I) Interest Payable on Deposits
|
19,42,87,996
|
16,03,09,576
|
|
II) Bills Payable
|
87,46,854
|
63,10,833
|
|
III) Unclaimed Dividends
|
44,41,902
|
37,14,699
|
|
IV) Sundry Creditors
|
1,22,05,196
|
62,06,843
|
|
V) Deferred Tax Liability
|
19,50,406
|
15,28,842
|
|
VI) Settlement Account
(Digital Channels & Others)
|
5950
|
0
|
|
VII) Other Items
|
|
|
|
a) Share Application Money
|
1,110
|
1,110
|
|
b) TDS Payable
|
36,47,924
|
28,77,414
|
|
c) Audit Fee Payable
|
1,99,000
|
1,80,000
|
|
d) Share Capital Payable
|
3,05,475
|
3,05,475
|
|
e) GST Payable
|
12,15,465
|
9,54,295
|
|
f) HDFC Bank DD Payable
|
9,48,295
|
10,72,865
|
|
g) PMSBY & PMJJBY
|
0
|
0
|
|
h) Unclaimed Deposits
|
76,594
|
5,67,264
|
|
Total
|
22,80,32,167
|
18,40,29,216
|
Schedule 6 – PROVISIONS
(Amount In ₹)
|
Particulars
|
As on 31.3.2025 (current year)
|
As on 31.3.2024 (previous year)
|
|
I) For Standard Assets
|
1,29,87,385
|
1,04,16,981
|
|
II) For NPA
|
4,33,43,215
|
4,33,43,215
|
|
III) For Bad & Doubtful Debts Reserve
|
2,06,26,838
|
1,34,21,564
|
|
IV) For Investment Depreciation Reserve(IDR)
|
37,05,321
|
37,05,321
|
|
V) For Special Reserve u/s 36(1)(viii)of IT Act
|
77,25,000
|
60,50,000
|
|
VI) For Overdue Interest
|
99,90,568
|
86,12,455
|
|
VII) For Contingent Liability
|
35,30,860
|
35,30,860
|
|
VIII) For Bonus
|
13,10,683
|
11,08,611
|
|
IX) For Expenses
|
0
|
1,50,000
|
|
X) For Income Tax on Profit
|
2,10,59,500
|
2,23,14,508
|
|
XI) For Fraud
|
83,51,558
|
83,51,558
|
|
Total
|
13,26,30,928
|
12,10,05,073
|
Schedule 7 – PROFIT & LOSS
(Amount In ₹)
|
Particulars
|
As on 31.3.2025 (current year)
|
As on 31.3.2024 (previous year)
|
|
Profit as per last Balance Sheet (a)
|
6,56,60,006.03
|
5,34,01,444.63
|
|
Less : Appropriation of profit for the year 2023-2024
|
|
|
|
Statutory Reserve Funds
|
1,64,15,002
|
1,33,50,361
|
|
Co-operative Education Fund
|
6,56,600
|
5,34,014
|
|
Bad & Doubtful Reserve
|
0
|
25,00,000
|
|
Dividends
|
1,27,82,190
|
1,19,80,095
|
|
Dividend Equalization Funds
|
0
|
0
|
|
Staff Welfare Funds
|
5,00,000
|
0
|
|
Charity Funds
|
2,00,000
|
0
|
|
Investment Fluctuation Reserve(IFR)
|
50,00,000
|
25,00,000
|
|
Members Welfare Funds
|
3,00,000
|
0
|
|
Cyber Security & I.T. Funds
|
25,00,000
|
10,00,000
|
|
Building Funds
|
1,00,00,000
|
1,00,00,000
|
|
General Reserve
|
1,73,06,214.03
|
1,15,36,974.63
|
|
(b)
|
6,56,60,006.03
|
5,34,01,444.63
|
|
(a)-(b)
|
0
|
0
|
|
Add : Profit for the year as per Profit & Loss Accounts
|
6,76,24,208.06
|
6,56,60,006.03
|
Schedule 8.1 – CASH
(Amount In ₹)
|
Particulars
|
As on 31.3.2025 (current year)
|
As on 31.3.2024 (previous year)
|
|
i) Cash in Hand
|
6,92,73,532
|
4,57,51,465
|
|
ii) Cash in ATM
|
2,59,20,800
|
1,67,79,900
|
|
iii) Cash in CDM
|
10,00,100
|
10,85,100
|
|
iv) Cash with Reserve Bank of India
|
0
|
0
|
|
v) Cash with State Bank of India & Corresponding new Banks
|
16,37,51,491
|
14,76,81,381
|
|
vi) Cash with Central Co-operative Bank
|
20,81,813
|
56,92,898
|
|
Total
|
26,20,27,736
|
21,69,90,744
|
Schedule 8.2 – BALANCE WITH BANKS AND MONEY at CALL AND SHORT NOTICE
(Amount In ₹)
|
Particulars
|
As on 31.3.2025 (current year)
|
As on 31.3.2024 (previous year)
|
|
i) Current Deposits
|
15,63,60,669
|
14,02,11,764
|
|
ii) Saving Bank Deposits
|
0
|
0
|
|
iii) Fixed Deposits (Including ₹2.00cr pledge with AU Small Finance Bank Ltd for the purpose of instant Liquidity & ₹6.50cr HDFC Bank Ltd for settlement of RTGS/NEFT,ATM,PoS,E-Com,IMPS,UPI & Treasury operations)
|
41,12,94,736
|
32,20,65,092
|
|
Total
|
56,76,55,405
|
46,22,76,856
|
Schedule 9 – INVESTMENTS
(Amount In ₹)
|
Particulars
|
As on 31.3.2025 (current year)
|
As on 31.3.2024 (previous year)
|
|
I. Investment in India in
|
|
|
|
(i) Government Securities
Face Value – 12961.50 Lakh
Market Value – 13299.91 Lakh
|
127,53,63,149
|
120,35,86,319
|
|
(ii) Other approved securities
|
0
|
0
|
|
(iii) Shares
Shares in Co-operative Institutions
Shares of NCDFC – Umbrella Organization
|
11,200
25,00,000
|
11,100
25,00,000
|
|
(iv) Debentures and Bonds
|
0
|
0
|
|
(v) Subsidiaries and/or joint ventures
|
0
|
0
|
|
(vi) Others (to be specified)
Units of Debt Mutual Funds
(Liquid & Short Term Fund Scheme)
|
23,70,00,000
|
13,00,00,000
|
|
Total
|
151,48,74,349
|
133,60,97,419
|
Schedule 10 – ADVANCES
(Amount In ₹)
|
Particulars
|
As on 31.3.2025 (current year)
|
As on 31.3.2024 (previous year)
|
|
A.
|
|
|
|
I. Bills purchased and discounted
|
0
|
0
|
|
II. Cash Credits, Overdrafts and loans repayable on demand
|
77,30,68,836
|
68,55,92,318
|
|
III. Term Loans
|
224,75,91,511
|
182,56,22,385
|
|
Total
|
302,06,60,347
|
251,12,14,703
|
|
B.
|
|
|
|
I. Secured by tangible Assets
|
2,98,60,35,897
|
2,48,28,38,700
|
|
II. Covered by Bank/Government
|
3,03,93,333
|
2,76,73,279
|
|
III. Unsecured
|
42,31,117
|
7,02,724
|
|
Total
|
302,06,60,347
|
251,12,14,703
|
|
C. (I) Advances in India
|
|
|
|
I. Priority Sector
|
192,74,43,665
|
163,09,75,679
|
|
II. Public Sector
|
0
|
0
|
|
III. Banks
|
0
|
0
|
|
IV. Others
|
109,32,16,682
|
88,02,39,024
|
|
IV. Covered by Bank/Government
|
0
|
0
|
|
Total
|
302,06,60,347
|
251,12,14,703
|
|
C. (II) Advances outside India
|
-Nil-
|
-Nil-
|
|
Grand Total(C.I and II)
|
302,06,60,347
|
251,12,14,703
|
Schedule 11 – INTEREST RECEIVABLE
(Amount In ₹)
|
Particulars
|
As on 31.3.2025 (current year)
|
As on 31.3.2024 (previous year)
|
|
I. Interest Receivable
|
|
|
|
a. On Investment (Govt. Securities)
|
1,93,94,331
|
1,67,03,180
|
|
b. On Balance with other Inter-Bank Funds
|
2,64,61,008
|
1,84,08,494
|
|
c. On Loan & Advances (Standard)
|
82,27,621
|
83,41,967
|
|
d. On Loan & Advances (Overdue Int & Charges)
|
99,90,568
|
86,12,455
|
|
Total (a+b-c-d)
|
6,40,73,528
|
5,20,66,096
|
Schedule 12 – FIXED ASSETS
(Amount In ₹)
|
Particulars
|
As on 31.3.2025 (current year)
|
As on 31.3.2024 (previous year)
|
|
I. Premises
|
|
|
|
a. At cost as on 31st March 2024
|
1,57,74,931
|
1,23,17,721
|
|
b. Additions during the year
|
1,63,10,811
|
38,71,790
|
|
c. Deductions during the year
|
0
|
0
|
|
d. Depreciation to date
|
3,73,122
|
4,14,580
|
|
Total (a+b-c-d)
|
3,17,12,620
|
1,57,74,931
|
|
II. Other Fixed Assets (Including F&F)
|
|
|
|
a. At cost as on 31st March 2024
|
3,87,61,551
|
2,06,00,374
|
|
b. Additions during the year
|
2,18,52,481
|
2,68,80,081
|
|
c. Deductions during the year
|
33
|
22
|
|
d. Depreciation to date
|
1,01,61,455
|
87,18,882
|
|
Total (a+b-c-d)
|
5,04,52,544
|
3,87,61,551
|
|
Total (I and II)
|
8,21,65,164
|
5,45,36,482
|
Schedule 13 – OTHER ASSETS
(Amount In ₹)
|
Particulars
|
As on 31.3.2025 (current year)
|
As on 31.3.2024 (previous year)
|
|
I. Inter-office adjustment (net)
|
0
|
0
|
|
II. Tax Paid in advance/tax deducted at source
|
2,16,96,889
|
2,29,79,118
|
|
III. Stationery and stamps
|
14,45,011
|
13,23,729
|
|
IV. Non-banking assets acquire in satisfaction of claims
|
0
|
0
|
|
V. Others*
|
3,18,81,769
|
2,17,37,674
|
|
Total
|
5,50,23,669
|
4,60,40,521
|
Schedule 14 – CONTINGENT LIABILITIES
(Amount In ₹)
|
Particulars
|
As on 31.3.2025 (current year)
|
As on 31.3.2024 (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
|
4,79,90,138
|
4,10,33,175
|
|
VII. Other Items for which the Bank is contingently Liable – Arrear Charges Payable
|
15,37,922
|
9,12,430
|
|
Total
|
4,95,53,060
|
4,19,70,605
|
Schedule 15 – INTEREST EARNED
(Amount In ₹)
|
Particulars
|
As on 31.3.2025 (current year)
|
As on 31.3.2024 (previous year)
|
|
I. Interest/discount on advances/bills
|
30,48,25,452
|
24,88,26,706
|
|
II. Income from investments
|
10,76,54,758
|
10,85,62,273
|
|
III. Interest on balance with RBI and other inter-bank funds
|
2,81,07,499
|
2,26,05,445
|
|
IV. Others
|
0
|
0
|
|
Total
|
44,05,87,709
|
37,99,94,424
|
Schedule 16 – OTHER INCOME
(Amount In ₹)
|
Particulars
|
As on 31.3.2025 (current year)
|
As on 31.3.2024 (previous year)
|
|
I. Commission, exchange and brokerage
|
67,54,387
|
48,59,372
|
|
II. Profit on sale of investments
Less : Loss on investments
|
55,91,400
|
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
|
92,467
|
1,31,456
|
|
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
|
1,09,79,822
|
92,48,877
|
|
Total
|
2,34,18,076
|
1,42,39,705
|
Note : Under items II to V loss figures shall be shown in brackets.
Schedule 17 – INTEREST EXPENDED
(Amount In ₹)
|
Particulars
|
As on 31.3.2025 (current year)
|
As on 31.3.2024 (previous year)
|
|
I. Interest on deposits (Fixed & RD)
|
22,28,43,734
|
16,60,53,011
|
|
II. Interest on deposits (Saving)
|
3,03,85,364
|
3,03,07,049
|
|
III. Interest on RBI/inter-bank borrowings
|
0
|
82
|
|
IV. Others
|
0
|
0
|
|
Total
|
25,32,29,098
|
19,63,60,142
|
Schedule 18 – OPERATING EXPENSES
(Amount In ₹)
|
Particulars
|
As on 31.3.2025 (current year)
|
As on 31.3.2024 (previous year)
|
|
I. Payment to and provisions for employees
|
6,04,55,177
|
5,44,04,817
|
|
I. Rent, taxes and lighting
|
1,02,65,784
|
85,49,237
|
|
II. Printing and stationery
|
23,24,223
|
17,28,770
|
|
III. Advertisement and publicity
|
26,73,712
|
20,91,232
|
|
IV. Depreciation on bank’s property
|
1,05,34,577
|
91,33,462
|
|
V. Director’s fees, allowances and expenses
|
15,84,495
|
9,31,961
|
|
VI. Auditors’ fees and expenses (including branch auditors)
|
12,63,670
|
11,41,858
|
|
VII. Law & Professional Fee Charges
|
6,58,524
|
4,45,983
|
|
VIII. Postages, Telegrams, Telephones, etc.
|
7,59,377
|
9,11,088
|
|
IX. Repairs and maintenance
|
5,96,326
|
9,56,003
|
|
X. Insurance
|
61,87,107
|
55,92,442
|
|
a. Premium Paid to DICGC
|
--- 52,57,338
|
--- 45,77,626
|
|
b. All other Insurance Premium
|
--- 9,29,769
|
--- 10,14,816
|
|
XI. Amortization of Premium paid on Investment
|
1,43,260
|
34,125
|
|
XII. Other expenditure
|
1,29,29,779
|
1,15,69,687
|
|
Total
|
11,03,76,011
|
9,74,90,665
|
Schedule 19 – PROVISION MADE
(Amount In ₹)
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Particulars
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As on 31.3.2025 (current year)
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As on 31.3.2024 (previous year)
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I. Provision for Special Reserve u/s 36(1)(viii)of IT Act
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16,75,000
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18,50,000
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II. Provision for IDR
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0
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0
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III. Provision for Bad & Doubtful Debts
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70,50,000
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75,35,000
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IV. Provision for Standard Assets
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25,70,404
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25,58,200
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V. Provision for NPA
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0
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0
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VI. Provision for Contingent Liability
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0
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0
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VII. Provision for Cyber/ATM Fraud
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0
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0
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Total
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1,12,95,404
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1,19,43,200
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