the kalupur comm. co. op. bank banking service gujarat ...€¦ · the ahmedabad dist. co-op. bank...
TRANSCRIPT
BANKERS :
Reserve Bank of India
State Bank of India
The Gujarat State Co-op. Bank Ltd.
The Ahmedabad Dist. Co-op. Bank Ltd.
Bank of Baroda
Dena Bank
Corporation Bank
Union Bank of India
UCO Bank
Central Bank of India
H.D.F.C. Bank Ltd.
I.C.I.C.I. Bank Ltd.
The Karur Vysya Bank Ltd.
IDBI Bank Ltd.
Yes Bank Ltd.
Axis Bank Ltd.
Kotak Mahindra Bank Ltd.
Indusind Bank
R.B.L. Bank
D.C.B. Bank
Bandhan Bank
IDFC Bank
AU Small Finance Bank
Punjab & Sind Bank
Est. on : 5-12-1970
Banking Lic. No. ACD-GJ-161 P Dt. 27-10-1979(Under B.R. Act, 1949 Reserve Bank of India)
Reg. No. MSCS/CR/54/95 Dt. 8-9-1995(Under M.S.C.S Act, 1984)
Scheduled Banks’ status : 01-09-1988
PAN : AAAAT9360R
TAN : AHMK00480E
GSTIN No. : 24AAAAT9360R1ZT (Gujarat)
GSTIN No. : 27AAAAT9360R1ZN (Maharashtra)
Head Office : ‘KALUPUR BANK BHAVAN’,
Near Income Tax Circle, Ashram Road,
Ahmedabad-380 014.
Phone : 27582020 to 27582026
Fax : 079-27544450, 27582033
E-mail : [email protected]
Website : www.kalupurbank.com
Toll Free No. : 1800 233 99999
BANKERS FOR
FOREIGN EXCHANGE BUSINESS
COMMERZ BANK - A.G. FRANKFURT
HABIB AMERICAN BANK - N.Y., USA
STATUTORY AUDITORS :
• R. S. PATEL & CO.
CHARTERED ACCOUNTANTS
LEGAL ADVISORS :
• RAMANLAL M. SHAH & CO. - ADVOCATE
• RAMANLAL M. SHAH & CO. - CIVIL
• R. M. SHAH & ASSOCIATES
• K. J. JADEJA & CO., ADVOCATE
• NANAVATI ASSOCIATES
th48 Annual Report
2017-2018
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
Shri Navnitbhai Chimanlal Patel
Chairman
Shri Mineshbhai Jashbhai Patel
Vice Chairman
Shri Ambubhai Maganbhai Patel
Chairman Emeritus
Shri Percy Faramroj Bharucha
Managing Director
©e LkðLkeík¼kR [e{Lk÷k÷ Ãkxu÷[uh{uLk
©e {eLkuþ¼kR sþ¼kR Ãkxu÷ðkRMk [uh{uLk
©e ytçkw¼kR {økLk¼kR Ãkxu÷[uh{uLk-yu{urhxMk
©e ÃkhMke yuV. ¼Y[k{uLkuStøk rzhuõxh
Shri Dr. Dineshbhai Manibhai Amin
Shri Bipinchandra Ratilal Shah
Shri Khodabhai Kalidas Patel (Upto 17-4-2018)
Shri Kiritbhai Rambhai Patel (From 17-4-2018)
Shri Kaushikbhai Nandubhai Patel (CA)
Shri Bhalabhai Chhotabhai Patel
Shri Hasmukhbhai Gopaldas Patel
Shri Ambarbhai Jayantilal Patel
Shri Shaileshbhai Valjibhai Sonara
Smt. Purviben Anantanand Pokhariyal
Smt. Madhviben Tusharbhai Patel
Vinod G. DadlaniGeneral Manager & CEO
Mahendrabhai R. PatelExecutive Secretary to Board
Apurva J. PatelDy. General Manager
Sukumar K. PatelHead of Department-Credit
Sirajuddin G. SiddiquiHead of Department - I.T.
Pareshbhai J. DaveAsst. General Manager
Vinayak J. PatelAsst. General Manager
Pankajbhai R. ParikhAsst. General Manager
Tejendra L. PatelAsst. General Manager
Rakeshbhai B. PatelAsst. General Manager
Chetan A. PatelAsst. General Manager
Pratik A. DesaiAsst. General Manager
Kiran P. PandyaAsst. General Manager
Anil M. ShrimaliAsst. General Manager
Samir B. PandyaAsst. General Manager
Nandkishore U. GoswamiSenior Executive
Himmatbhai K. ShahSenior Executive
Dhimant Roy TurkhiaSenior Executive
Kamlesh B. DaveSenior Executive
Deepakbhai I. NanavatiAsst. General Manager
©e zkp. rËLkuþ¼kR {ýe¼kR y{eLk©e çkeÃkeLk[tÿ híke÷k÷ þkn©e ¾kuzk¼kR fk÷eËkMk Ãkxu÷ (íkk. 17-4-2018 MkwÄe)©e rfhex¼kE hk{¼kE Ãkxu÷ (íkk. 17-4-2018Úke)©e fkiþef¼kR LktËw¼kR Ãkxu÷ (Mkeyu)©e ¼÷k¼kR Akuxk¼kR Ãkxu÷©e nMk{w¾¼kR økkuÃkk÷ËkMk Ãkxu÷©e ytçkh¼kR sÞtíke÷k÷ Ãkxu÷©e þi÷u»k¼kR ðk÷S¼kR MkkuLkkhk©e{íke ÃkqðeoçkuLk yLktíkkLktË Ãkku¾heÞk÷©e{íke {kÄðeçkuLk íkw»kkh¼kE Ãkxu÷
02
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
rðLkkuË S. ËkË÷kýesLkh÷ {uLkush yLku MkeRyku
{nuLÿ¼kR ykh. Ãkxu÷yuõÍeõÞwxeð Mku¢uxhe xw çkkuzo
yÃkqðo su. Ãkxu÷zuÃÞwxe sLkh÷ {uLkush
Mkwfw{kh fu. Ãkxu÷nuz ykuV rzÃkkxo{uLx - ¢urzx
rMkhkswÆeLk S. rMkÆfenuz ykuV rzÃkkxo{uLx - ykE.xe.
Ãkhuþ¼kE su. ËðuykMke. sLkh÷ {uLkush
rðLkkÞf su. Ãkxu÷ykMke. sLkh÷ {uLkush
Ãktfs¼kE ykh. Ãkhe¾ykMke. sLkh÷ {uLkush
íkusuLÿ yu÷. Ãkxu÷ykMke. sLkh÷ {uLkush
hkfuþ¼kE çke. Ãkxu÷ykMke. sLkh÷ {uLkush
[uíkLk yu. Ãkxu÷ykMke. sLkh÷ {uLkush
«ríkf yu. ËuMkkEykMke. sLkh÷ {uLkush
rfhý Ãke. ÃktzâkykMke. sLkh÷ {uLkush
yLke÷ yu{. ©e{k¤eykMke. sLkh÷ {uLkush
Mk{eh çke. ÃktzâkykMke. sLkh÷ {uLkush
LktËrfþkuh Þw. økkuMðk{eMkeLkeÞh yuõÍeõÞwxeð
®n{ík¼kR fu. þknMkeLkeÞh yuõÍeõÞwxeð
Äe{tík hkuÞ íkwh¾eÞkMkeLkeÞh yuõÍeõÞwxeð
f{÷uþ ðe. ËðuMkeLkeÞh yuõÍeõÞwxeð
ËeÃkf¼kR ykR. Lkkýktðxe ykMke. sLkh÷ {uLkush
çkkuzo ykuV rzhuõxMko Board of Directors
rzhuõxMko Directors
ðrhc yrÄfkhe øký Executives
03
LkkuxeMkykÚke çkUfLkk Mkðuo Mk¼kMkËkuLku sýkððkLkwt fu, çkUfLke 48{e ðkŠ»kf MkkÄkhý Mk¼k, íkk.29-6-2018Lku þw¢ðkhLkk hkus MkktsLkk 4-00 f÷kfu, su. çke. ykurzxkurhÞ{, y{ËkðkË {uLkus{uLx yuMkkurMkyuþLk, yxehk fuBÃkMk, zkp. rð¢{ Mkkhk¼kR {køko, y{ËkðkË-380015 ¾kíku Lke[uLkk fk{fks MkkY {¤þu, suLke LkkUÄ ÷R ykÃk©eLku Mk{ÞMkh nksh hnuðk rðLktíke Au.
fkÞoMkq[e :-
1) íkk.06-06-2017Lkk hkus {¤u÷ ðkŠ»kf MkkÄkhý Mk¼kLke r{rLkxTMkLke LkkUÄ ÷R çknk÷e ykÃkðk çkkçkík.
2) íkk.31-3-2018 Lkk hkus Ãkqhk ÚkÞu÷k ð»ko {kxu çkkuzo ykuV rzhuõxMkuo íkiÞkh fhu÷ rhÃkkuxo, çkUfLkwt ykurzx ÚkÞu÷wt MkhðiÞwt, LkVk-LkwfþkLk ¾kíkkLkk rnMkkçkku yLku ð»ko 2018-19 Lkwt ytËksÃkºk {tsqh fhðk íkÚkk ð»ko 2017-2018Lkk MxuåÞwxhe ykurzxMkoLkk rhÃkkuxoLke LkkUÄ ÷uðk çkkçkík.
3) çkkuzo ykuV rzhuõxMkuo fhu÷ ¼÷k{ý {wsçk LkVkLke ðnU[ýe yLku rzrðzLz {tsqh fhðk çkkçkík.
4) 2018-19 Lkk ð»ko {kxu, çkUfLkk rnMkkçk íkÃkkMkðk MxuåÞwxhe ykurzxhLke rLk{ýqtf fhðk çkkçkík. çkUfLkk çkkuzo ykuV rzhuõxMko îkhk ykh.yuMk.Ãkxu÷ yuLz fwt>, [kxozo yufkWLxLxLkk Lkk{Lke ¼÷k{ý fhðk{kt ykðu÷ Au.
5) çkUfLkk yuLk.Ãke.yu. ÚkÞu÷kt ¾kíkkt ÃkifeLkk ¾kíkkyku{kt, çkUfLke ðkŠ»kf MkkÄkhý Mk¼kyu ykÃku÷k yrÄfkh yLkwMkkh çkUfLkk çkkuzo ykuV rzhuõxMkuo, ð»ko Ëhr{ÞkLk y{wf ¾kíkkyku{kt ÷uýe hf{ {ktzðk¤ fhðk fu hkník ykÃkðk fhu÷e ¼÷k{ýLku çknk÷e ykÃkðk çkkçkík.
6) íkk.06-06-2017Lkk hkus {¤u÷e çkUfLke ðkŠ»kf MkkÄkhý Mk¼kyu çkUfLkk ÃkuxkfkÞËkyku{kt {tsqh fhu÷k MkwÄkhkyku ytøku fuLÿeÞ hSMxÙkh©e Mknfkhe {tz¤eyku, Lkðe rËÕne îkhk {tsqh/Lkk{tsqh ÚkÞu÷k MkwÄkhkykuLke LkkUÄ ÷uðk çkkçkík.
7) ykÃkýe çkUf MkkÚku rMkæÄe fku-yku. çkUf r÷. Lkk rð÷eLkefhýLke Ëh¾kMíkLku rhÍðo çkUf ykuV RrLzÞkLkk íkk.10-05-2018Lkk ÃkºkÚke {tsqh fhðk{kt ykðe Au íkuLke LkkUÄ ÷uðk çkkçkík.
8) [uh{uLk©eLke {tsqheÚke su fktR fk{ hsq ÚkkÞ íku WÃkh rð[khýk fhðk íkÚkk rLkýoÞ ÷uðk çkkçkík.
çkkuzo ykuV rzhuõxMkoLkk ykËuþÚke
rðLkkuË S. ËkË÷kýesLkh÷ {uLkush yuLz Mke.E.yku.
y{ËkðkËíkk. 07.06.2018
LkkUÄ : Mk¼kMkËkuLku ¾kMk rðLktíke1) fkuh{Lkk y¼kðu Mk¼k {w÷íðe hnuþu íkku íkus rËðMku íkus MÚk¤u yzÄk f÷kf çkkË Mk¼k VheÚke {¤þu su fkÞËuMkh
økýkþu yLku yusLzk {wsçkLke fkÞoðkne fhþu. 2) ykÃk MkkÄkhý Mk¼k{kt ykðku íÞkhu ykÃkLkwt Mk¼kMkË yku¤¾Ãkºk MkkÚku ÷kððk rðLktíke Au. Mk¼kMkË rMkðkÞLke ÔÞÂõíkLku
ðkŠ»kf MkkÄkhý Mk¼k{kt «ðuþ ykÃkðk Ëuðk{kt ykðþu Lknª íkuLke ¾kMk LkkUÄ ÷uðk rðLktíke. 3) su Mk¼kMkËkuLku MkhðiÞk íkÚkk LkVk-LkwfþLkLkk rnMkkçk ytøku Mk¼k{kt ðÄw {krníke òuRíke nkuÞ íku{ýu MkkÄkhý Mk¼kLke
íkkhe¾Úke [kh rËðMk yøkkW çkUf{kt ÷ur¾ík {ktøkýe {kuf÷e ykÃkðk rðLktíke Au. ðkŠ»kf ynuðk÷ çkUfLke Ëhuf þk¾k{kt íkÚkk çkUfLke ðuçkMkkRx. www.kalupurbank.com Ãkh WÃk÷çÄ Au.
4) ð»ko 2017-18 Lkk rzrðzLzLke hf{ Mkk{kLÞ Mk¼kLke çknk÷e {¤uÚke íkk.16-7-2018 Úke Mk¼kMkËkuLkk çkUf yufkWLx{kt s{k fhðk{kt ykðþu.
5) rhÍðo çkUfLkk ykËuþ yLkwMkkh Ëhuf Mk¼kMkËLkk KYC MktçktrÄík Ãkwhkðkyku ÷uðkLkwt VhrsÞkík ÚkÞu÷ nkuðkÚke su Mk¼kMkËkuyu KYC MktçktrÄík Ãkwhkðkyku Ãkwhk Lkrn Ãkkzâk nkuÞ, íku{Lku ykðk Ãkwhkðkyku Ãkwhk Ãkkzâk çkkË s rzrðzLz [wfðkþu.
6) su Mk¼kMkËkuyu nS MkwÄe íku{Lkk ðkhMkËkhLke rLk{ýqtf Lk fhe nkuÞ íku{Lku ðkhMkËkhLke rLk{ýqtf fhðk rðLktíke Au. 7) çkUfLkk Ãkuxk fkÞËk yLkwMkkh íkÚkk ¼khíkLkk çktÄkhý{kt ÚkÞu÷k 97 {k MkwÄkhk yLkwMkkh, çkUfLkk Ëhuf Mk¼kMkËu, çkUfLke
fkuR Ãký yuf Mkuðk ÷uðe VhrsÞkík nkuðkÚke, çkUfLkk Ëhuf Mk¼kMkË / Mk¼kMkË ÃkuZeykuLku rðLktíke Au fu íkuyku ykÃkýe çkUf{kt çk[ík/[k÷w ¾kíkk ¾ku÷kðu, suÚke íku{Lku [qfððk Ãkkºk rzrðzLzLke hf{ ¾kíkk{kt s{k fhðk{kt Mkwøk{íkk hnu.
th48 Annual Report 2017-2018
NOTICE
Notice is hereby given to all the members of bank that 48th Annual General Body Meeting of members of the Bank
will be held on 29th June 2018, Friday at 4.00 p.m. at J.B. Auditorium, Ahmedabad Management Association,
Atira Campus, Dr. Vikram Sarabhai Marg, Ahmedabad – 380 015, to transact the following business.
(1) To read and approve the minutes of General Body Meeting held on 06.06.2017.
(2) To consider and adopt the report of Board of Directors, the Audited Balance Sheet; Profit and Loss Account,
and Statutory Auditors report for the year 2017-18 and approve budget for the year 2018-19.
(3) To approve appropriation of profit and declare dividend as recommended by the Board of Directors.
(4) To appoint Statutory Auditors for the year 2018-19. The Board of Directors recommends appointment of M/s
R.S. Patel & Co, Chartered Accountants, to carry out Statutory Audit of the bank.
(5) To ratify the recommendation of Board of Directors for write off and waiver in NPA accounts as per the powers
given by General Body.
(6) To take note of approval/ rejection of amendments of Bank’s Bye laws by Central Registrar of Co Operative
Societies, New Delhi, which were approved by Bank’s Annual General Body Meeting for the year 2016-17 held
as on 06.06.2017.
(7) To take note of approval received from Reserve Bank of India vide their letter Dated: 10.05.2018 for merger of
Siddhi Co- Operative Bank Ltd., Ahmedabad with our bank. Draft scheme of merger of Siddhi Co- Operative
Bank Ltd with our bank was approved in Annual general meeting held on 06.06.2017.
(8) Any other matter with the approval of Chairman.
By the order of Board of Directors
Vinod G. Dadlani
General Manager & CEO
Ahmedabad
Dt: 07.06.2018
04
Note:
(1) If the meeting is adjourned for want of quorum, it will be held on the same day at the same place after
half an hour, which will be considered legal and business of the meeting will be conducted as per the
agenda.
(2) Please bring your membership card for attending the meeting. Only members will be permitted to attend
the meeting.
(3) Members desirous of obtaining additional information regarding Balance Sheet and Profit & Loss
accounts, are requested to send their written request to Bank, four days in advance from the date of
Annual General Body Meeting. Copies of Annual Report are available at bank’s branches as well as on
Bank’s website www.kalupurbank.com.
(4) Dividend for the year 2017-18 will be credited to the accounts of the members after approval by the
Annual General Body Meeting, from 16.07.2018 onwards.
(5) As obtention of KYC related documents of members has been made compulsory by Reserve Bank
of India, dividend will be paid only to those members who have furnished KYC related documents
for their shareholding as well as Savings/ current accounts.
(6) Members who have not done nomination are again requested to invariably make nominations.
(7) As per Bank’s Bye-laws and 97th amendment in the Constitution of India, Members of bank are required
to avail atleast one service of our bank. Members / member firms are therefore requested to open
savings/current account with our bank to facilitate payment of dividend.
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
[uh{uLk©eLkwt rLkðuËLk{kLkLkeÞ Mk¼kMkË ¼kRyku yLku çknuLkku,
çkUfLke 48{e ðkŠ»kf MkkÄkhý Mk¼k{kt ykÃk MkðuoLkwt Mðkøkík
fhíkkt nwt n»ko yLku ykLktËLke ÷køkýe yLkw¼ðwt Awt. ykÃkýe çkUfu
íkuLke ÞþMðe fkhrfËeoLkkt 47 ð»ko Ãkqhk fÞko Au. yk Mk{Þøkk¤k
Ëhr{ÞkLk çkUfu ík{k{ ûkuºkku{kt Mktíkku»kfkhf «økrík fhe Au yLku
¼khík¼hLke yçkoLk Mknfkhe çkUfku{kt MkL{kLkLkeÞ MÚkkLk
ò¤ðe hkÏÞwt Au. yk «økríkLkku Þþ çkUfLkk Mk¼kMkËku, økúknfku,
çkkuzo ykuV rzhuõxMkoLkk rLkckðkLk MkÇÞ©eyku, þk¾k rðfkMk
Mkr{ríkLkk MkÇÞ©eyku, þw¼uåAfku yLku f{o[kheykuyu ykÃku÷k
yrðhík MknfkhLku Vk¤u òÞ Au. nwt ykÃk MkðuoLkku
ytík:fhýÃkqðof yk¼kh {kLkwt Awt. çkUfu ð»ko 2017-18 Ëhr{ÞkLk
fhu÷e fk{økeheLkku yLku íkk. 31-3-2018Lkk hkusLke çkUfLke
ykŠÚkf ÃkrhÂMÚkríkLkku ynuðk÷ hsq fhíkkt Ãknu÷kt, ykÃkýk
ËuþLke çkUfkuLke ðíko{kLk ykŠÚkf ÃkrhÂMÚkríkLkku r[íkkh íkÚkk
çkU®føk ûkuºku ykðe hnu÷k VuhVkhku ytøku {khk rð[kh xqtf{kt hsq
fheþ.
MkLku 2017-18 Lkw ð»ko çkU®føk Wãkuøk {kxu ¾qçk s ÃkzfkhYÃk
hÌkwt. çkU®føk ûkuºku ðÄíkk síkk NPA Úke ðfhu÷e Mk{MÞk, çkUfkuLke
rÄhkýûkuºku çkusðkçkËkhe ÃkqðofLke fk{økehe, rhÍðo çkUfLke
økkRz ÷kRLMkLkwt MkËtíkh WÕ÷t½Lk, xku[Lkk yrÄfkheykuLke
Mktzkuðýe, çkU®føkûkuºku yk{ sLkíkkLkku rðïkMk zøke òÞ yLku
«ríkck ¾hzkÞ íkuðkt ÚkÞu÷ fkÞkuoyu ykÃkýLku n[{[kðe ËeÄk
Au. yk ÃkrhÂMÚkrík nkuðk Aíkkt Ãký ykÃkýe çkUfu Y>.10,000/-
fhkuz WÃkhktíkLkk fw÷ fkhkuçkkhLkwt Míkh ò¤ðe hk¾ðk{kt
MkV¤íkk {u¤ðe Au. ykÃkýe çkUfLke fk{økeheLke rðMík]ík
{krníke, çkkuzo ykuV rzhuõxMkoLkk ynuðk÷{kt ykÃkðk{kt ykðe Au.
ËuþLke ykŠÚkf ÃkrhÂMÚkrík :
LkðuBçkh - 2016 {kt ònuh fhðk{kt ykðu÷e LkkuxçktÄe yLku
sw÷kR - 2017 Úke SyuMkxeLkk y{÷efhýLkk Ãkrhýk{u W¼e
ÚkÞu÷e yMÚkkÞe yMkhLku Ãk[kðe ð»ko 2017-18 Ëhr{ÞkLk,
¼khíkLkwt yÚkoíktºk, rðïLkk ík{k{ ËuþkuLkk yÚkoíktºkLke
Mkh¾k{ýeyu MkkiÚke ðÄw ÍzÃku rðfMke hnu÷k yÚkoíktºk{kt MÚkkLk
ÃkkBÞwt Au yLku ykðíkkt 10-15 ð»kkuo{kt, rðïLke Ãkkt[ «{w¾
ykŠÚkf Mk¥kkyku{kt MÚkkLk Ãkk{þu yuðe ykþk íku{s þõÞíkkyku
Au. LkkuxçktÄe ÃkAeLkk LkkýktfeÞ ð»ko{kt, ¼khík{kt RLf{xuûk
¼hLkkhkykuLke MktÏÞk{kt 26 xfkLkku Äh¾{ ðÄkhku ÚkÞku Au yLku
MkhfkhLku ÷øk¼øk 9.95 ÷k¾ fhkuz YrÃkÞk ykðfðuhk Ãkuxu
{éÞk Au. ykŠÚkf rLk»ýktíkkuLkk {kLkðk «{kýu LkkuxçktÄe yLku
SyuMkxeLkkt 90 xfk Ãkrhýk{ku ykððkLkkt çkkfe Au. ßÞkhu
økýíkhe {wsçkLkk Ãkrhýk{ {¤þu íÞkhu ykÃkýku Ëuþ Ëþ ð»koLkk
xqtfk økk¤k{kt Ãknu÷k Ãkkt[ ©e{tík ËuþkuLke nhku¤{kt ÃknkU[e þfu
íkuðe ykþk Au. ykÃkýku Ëuþ AuÕ÷k Úkkuzk ð»kkuo{kt Ãkku÷kËLkk
WíÃkkËLk{kt ËwrLkÞk{kt çkesw MÚkkLk yLku ðes¤eLkk WíÃkkËLk{kt
ºkesw MÚkkLk Ähkðíkku ÚkÞku Au, yuðk heÃkkuxoMk Au. ¼khíkLkwt Mkf÷
½hu÷w WíÃkkËLk (GDP), ð»ko 2017-18 Ëhr{ÞkLk 6.6 xfk
sux÷wt hÌkwt Au. su ð»ko 2018-19 Ëhr{ÞkLk 7.3 xfk sux÷wt
hnuðkLke Mkt¼kðLkk Au. ¼khíkLkwt Vkuhuûk rhÍðo ð»ko 2017-18 Lkk
ytíku 422.53 rçkr÷ÞLk y{urhfLk zku÷Mko sux÷wt hÌkwt Au.
rðïLkk rðrðÄ ËuþkuLke ykŠÚkf «økríkLkk ykÄkhu íku{Lkwt hu®xøk
fhíke òýeíke MktMÚkk Moody’s îkhk 14 ð»ko çkkË, ykÃkýk
ËuþLkwt hu®xøk MkwÄkheLku ðÄkhe Baa2 fhðk{kt ykÔÞwt Au. su
ÂMÚkh ykŠÚkf ÃkrhÂMÚkríkLkku rLkËuoþ fhu Au. yktíkhhk»xÙeÞ
LkkýktfeÞ ¼tzku¤ (IMF) îkhk ònuh fhðk{kt ykðu÷k
yktfzkyku «{kýu, ¼khíkLke «òLke ¾heËþÂõík GDP Lkk
«{ký{kt, 126 Lkk ¢{u ÃknkU[e Au. rðï çkUf îkhk sýkððk{kt
ykÔÞwt Au fu ¼khík{kt ¾kLkøke hkufký, ð»ko 2018-19
Ëhr{ÞkLk 8.8 xfkLkk Ëhu ðÄðkLke þõÞíkk Au suÚke ËuþLkk
GDP {kt ðÄkhku ÚkðkLke «çk¤ þõÞíkk Au.
ð»ko 2018-19 Lkk fuLÿeÞ çksux{kt øk]nrLk{koý, økúk{ yÚkoíktºk,
¾uíkeðkze, ykhkuøÞ, {k¤¾kfeÞ MkwrðÄkyku yLku þiûkrýf
MkwrðÄkyku{kt MkwÄkhkyku fhðk WÃkh ¾qçk s ¼kh {qfðk{kt
ykÔÞku Au. Ëuþ{kt ¾uzqíkkuLke ykðf, ð»ko 2022 MkwÄe{kt çku økýe
fhðk {kxu ¼khík Mkhfkh MktfÕÃkçkØ Au. huÕðu yLku hkuz
hMíkkykuLkk rðfkMk {kxu çksux{kt y¼qíkÃkqðo Vk¤ðýe fhðk{kt
ykðe Au. ¼khík Mkhfkh îkhk Y>.60,000/- fhkuzLkk LkuþLk÷
yçkoLk nkWMkªøk VtzLke h[Lkk fhðk{kt ykðe Au. suLkk Ãkrhýk{u
Ëuþ{kt øk]nrLk{koýLke fk{økeheLku ¾qçk s ðuøk {¤þu. «ÄkLk{tºke
økúk{ Mkzf ÞkusLkk yLðÞu Y>. yuf ÷k¾ fhkuz sux÷e hf{
ð»ko 2018-19 Ëhr{ÞkLk ¾[oðk{kt ykðu yuðe Mkhfkhe ÞkusLkk
Au suLkk Úkfe hkuz hMíkkykuLkk çkktÄfk{{kt ðuøk ykðþu.
øk]nrLk{koýLke «ð]r¥kÚke Mke{uLx, Mxe÷ WãkuøkLku ðuøk {¤þu,
íkuLke MkkÚku yk ûkuºk ¾qçk {kuxe MktÏÞk{kt hkusøkkhe Ãkqhe Ãkkzíkw
ûkuºk nkuðkÚke þnuhe yLku yÄoþnuhe rðMíkkh{kt ¾qçk {kuxe
hkusøkkheLkwt MksoLk fhþu ßÞkhu Mkzf ÞkusLkkÚke økúkBÞ
rðMíkkh{kt hkusøkkheLkwt rLk{koý Úkþu. yk{ çktLku ÞkusLkkykuLkk
y{÷Úke ÷kufkuLke ykðf{kt ðÄkhku Úkþu. yk WÃkhktík {uzef÷
MkuõxhLku ðuøk ykÃkðk {kxu {uzef÷ RLMÞkuhLMk îkhk 10 05
th48 Annual Report 2017-2018
fhkuzÚke ðÄkhu ÃkrhðkhkuLku Y>.5 ÷k¾ MkwÄeLkwt RL~ÞkuhLMk
fðhus ÃkwY ÃkzðkLke MkhfkhLke ÞkusLkk Au. Ëuþ{kt ÚkÞu÷k
ykŠÚkf MkwÄkhkykuLku Ãkrhýk{u ¼khík MkhfkhLke huðLÞw 2018-
19Lkk ytíku Y>.28 Úke 30 rxÙr÷ÞLk ÃknkU[u íkuðe ykþk Au.
¼khík MkhfkhLke Make in India yLku Digital India suðe
ÞkusLkkykuLkk V¤ MðYÃku MktÏÞkçktÄ rðËuþe ftÃkLkeyku ¼khík{kt
ykðe hne Au. yk{ ÚkðkÚke ykÃkýk ËuþLke WíÃkkËLk ûk{íkk{kt
ðÄkhku Úkþu. ¼khík MkhfkhLkk Mk½Lk «ÞíLkkuÚke rzSx÷
RL£kMxÙõ[h, rzSx÷ Mkuðkyku yLku rzSx÷ Mkkûkhíkk{kt
ðÄkhku Úkþu. yk{ ykøkk{e Ëþ ð»ko{kt, ðiïefhý,
rzSx÷kRÍuþLk, ykŠÚkf MkwÄkhkyku yLku yLkwfq¤
zu{kuøkúkrVõMkLkk V¤ MðYÃku ykÃkýku Ëuþ «økríkLke nhýVk¤
¼hþu yLku «òsLkkuLkk SðLk Äkuhý{kt LkkUÄÃkkºk MkwÄkhku Úkþu.
yuðe yk MkwÄkhkykuLke nfkhkí{f yMkh çkU®føk Wãkuøk Ãkh
Ãký Ãkzþu.
çkU®føk ûkuºku ykðe hnu÷ VuhVkh :
ykÃk{ktÚke ½ýk ðkt[íkk nþku íku «{kýu rhÍðo çkUf ykuV
RÂLzÞkyu yk ð»koLke LkkýktfeÞ Lkerík yLkwfw¤
(Accomodative) Úke ð÷ý çkË÷eLku Úkkuze fzf hk¾e Au.
íkÚkk ð÷ý íkxMÚk hk¾u÷ Au, suLkk fkhýu nðu ÃkAe rhÍðo çkUf
ykuV RÂLzÞk huÃkkuhux{kt ðÄkhku fhu yuðk yuûkÃkxo ykuÃkeLkeÞLk
Au.
ËuþLke çkUfku{kt NPA ÚkÞu÷ ¾kíkkyku{kt sYhe hefðhe íkÚkk
fux÷ef çkUf{kt Úkíke økuhheríkyku yLku yLÞ «fkhLke çkU®føk
Mk{MÞkyku Insolvency and Bankruptcy Code (IBC) nuX¤
÷kððk{kt ykðe Au. ¼khík Mkhfkh/rhÍðo çkUf ykuV RÂLzÞk
îkhk, Ãktòçk LkuþLk÷ çkUf{kt LOU/LOI «fkhLkk rÄhkýLke
Vk¤ðýe{kt {kuxe hf{Lkwt fki¼ktz ÃkfzkÞwt Au. íkuÚke ykðk
«fkhLkk rÄhký Mkk{u sYhe {køkoËŠþfk yLku «ríkçktÄ rhÍðo
çkUf ykuV RÂLzÞk îkhk {wfðk{kt ykðu÷ Au. yk WÃkhktík
SWIFT ykuÃkhuþLkLku Ãký CBS MkkÚku Mkktf¤ðkLkwt sýkððk{kt
ykÔÞwt Au, yLku SWIFT {uMkus {k¤¾køkík heíku {kuf÷ðkLkwt
òýðk{kt ykðu÷ Au. yk WÃkhktík rhÍðo çkUf ykuV RÂLzÞkyu
Ëhuf çkUfLku ÃkkuíkkLke MkeMx{ yLku «r¢Þkyku íku{s ðrnðxe
{k¤¾w Mkh¾wt fhðk sYhe Mkw[Lkkyku ykÃku÷ Au.
çkUfku îkhk yÃkkÞu÷k rÄhký{kt rçkLkWÃkòW rÄhký{kt ÚkÞu÷ku
y¼qíkÃkqðo ðÄkhku, {qze ÃkÞkoÃíkíkkLkkt ô[k {kÃkËtz yLku y{qf
{kuxe çkUfLke ðneðxe ¾k{eykuLkk fkhýu çkUfkuLke {qze{kt
LkkUÄÃkkºk ½xkzku ÚkÞku Au yLku íku{Lkk þuhLke çkwf ðuÕÞw{kt ½ýkus
½xkzku ÚkÞku Au. suÚke ykðe çkUfku {qze çkòh{kt «ðuþe þfíke
LkÚke. ykÚke Mkhfkhu yu{Lku Srðík hk¾ðk {qze ykÃkðe Ãkzu íku{
Au. Ãkhtíkw Mkhfkhu yu æÞkLk hk¾ðwt Ãkzþu fu yÃkkÞu÷e {qzeLkku
fkÞoûk{ WÃkÞkuøk ÚkkÞ. rhÍðo çkUf ykuV RÂLzÞkyu 11 ÃkÂç÷f
MkuõxhLke çkUfkuLku “Prompt Corrective Action” (PCA) nuX¤
ykðhe ÷eÄu÷ Au, yLku íku{Lke rÄhkýLke «ð]r¥kyku WÃkh ytfwþ
{qfu÷ Au. MkhfkhLku y{khe yuðe rðLktíke Au fu ËuþLke yçkoLk
Mknfkhe çkUfkuLku Ãký sYhe {ËË fhu yLku íku{Lku Ãký
ÃkkuíkÃkkuíkkLkk ûkuºk{kt «økrík fhðk {kxu çk¤ yLku «kuíMkknLk ÃkqYt
Ãkkzu.
yuftËhu ykÃkýk ËuþLkk yÚkoíktºkLkwt yLku çkU®føk WãkuøkLkwt ¼rð»Þ
Wßsð¤ Au. ykÃkýe þk¾kykuLkk f{o[kheyku yLku {wÏÞ
f[uheLkk fkÞoÃkk÷fku Ãký ÞkuøÞ ykÞkusLk îkhk çkUfLkk MkðkOøke
rðfkMk {kxu Mk½Lk «ÞíLk [k÷w hk¾u yuðe yu{Lke ÃkkMkuÚke
yÃkuûkk hk¾eyu Aeyu.
sÞ Mknfkh,
LkðLkeík¼kR Mke. Ãkxu÷[uh{uLk
06
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
CHAIRMAN’S STATEMENT
Respected Members,
It gives me immense pleasure to welcome you to the
48th Annual General Body Meeting of our bank. Our
bank has completed 47 years of its glorious journey.
During this period our bank has made satisfactory
progress in all the spheres of banking activities and
established itself as a respectable urban co-operative
bank in India. The credit for this achievement goes to
the incessant co-operation extended by
Shareholders, Customers, Members of Board of
Directors, Branch Development Committee
members, well-wishers and members of staff. I
sincerely thank all of them. Before presenting the
report on the working of the bank during the year
under review, I would like to present my views on
economic scenario of our country and the changes
which took place in the banking sector in our
country.
Financial year 2017-18 has been a challenging year
for banking industry. Faith of common people in
banking industry has shaken due to surge in NPAs,
careless approach in sanctioning of large advances,
non-adherence of RBI guidelines, involvement of the
Top Executives / Staff etc. Despite tough competition
& challenges seen in the banking sector during the
year 2017-18, our bank has succeeded in
maintaining business mix of ` 10,000 crore plus.
Details of working of our bank activities are provided
in the report of Board of Directors.
Domestic Economy Scenario:
The Indian economy not only withstood the
aftershocks of demonetization announced in
November 2016 which was followed by GST
implementation in July 2017, but emerged as one of
the fastest growing economy of the world. It is
believed that within a span of 10-15 years, India will
be recognized as one of the five largest economies
of the World. After demonetization, there has been a
substantial rise of 26% in number of the Income Tax
payers, which has resulted into Income Tax revenue
of ` 9.95 lakh crore. As per renowned economist,
90% results of demonetization and GST are yet to
come. When country will get desired results, India
will be in the list of Top five wealthiest countries
within next 10 years., Our country has become
second largest producer of iron ore and third largest
in electricity generation in the world. During the year
2017-18, the GDP of the country stood at 6.6%
which is expected to reach to 7.3% in the year 2018-
19. Forex reserves of the country have reached to
USD 422.53 billion during the year 2017-18.
After a span of nearly 14 years, Our country’s rating
has been upgraded to Baa2 rating by Rating Agency
MOODY, which indicates a stable economy. As per
the latest data published by International Monetary
Fund (IMF), India has moved to 126th position
amongst world economy. According to the World
Bank report, it is expected that the private
investment during the year 2018-19 will grow at the
rate of 8.8%. All these factors, will result in growth of
GDP of our country.
In the Union Budget 2018-19, the Government has
laid huge emphasis on Housing Development, Rural
Economic growth, Agriculture, Health, Education and
basic amenities. The Government is committed to
double the income of the farmers of the country by
2022. In the budget, significant amount is allocated
for the development of Rail and road infrastructure
fund. Indian Government has provided ` 60,000
crore towards National Urban Housing fund for
development of Rural and Urban Housing. This will
give momentum to the Housing Development in the
country and will give thrust to Cement and steel
industries as well. It will also create more job
opportunities in Urban and semi urban areas. Under
Prime Minister Gram Sadak Yojana (PMGSY), nearly
` 1,00,000 crore will be spent for Financial year 2018-
19. This will give thrust to the road infrastructure and
will also create more job opportunities in rural areas.
Income of people will increase due to
implementation of these two schemes. Further
Government has introduced a scheme of providing
medical insurance of ` 5.00 Lakhs to more than 10
Crores families which will boost medical sector and 07
th48 Annual Report 2017-2018
will increase productivity of citizens due to better
health amenities and running of Fit India campaign.
As a result of various economic reforms, there is a
high possibility that Government revenue will reach
between ` 28 to 30 Trillion by the end of the
financial year 2018-19.
As a result of the Indian Government’s programs like
“Make in India” and “Digital India”, many
international companies are establishing their
centers in India. This will increase productivity of the
country. Various efforts of the Indian Government
will result into improvement in Digital Infrastructure,
Digital Services and Digital Literacy. In the next 10
years, due to globalization, digitalization, economic
reforms and favourable demographics, our country
will progress by leaps and bounds and there will be
an evident change in the standard of living of the
citizen of the country. These changes will have
positive impact on banking industry as well.
Changes in the Banking Sector
You may be aware that RBI has changed Monetary
Policy stance from Accommodative to Neutral.
Therefore many Money Market experts are expecting
increase in Policy Rate in the future.
To enable banks to ensure fast recovery in NPA
accounts and to take control of business of
defaulters, Insolvency and Bankruptcy Code (IBC) has
been introduced. A huge amount of fraud has been
reported to have occurred in Punjab National Bank
against issuance of LOU/ LOI without proper
sanction as well as collaterals. Post PNB fraud, RBI
has issued various guidelines & put restrictions
against such type of finance. RBI has directed to
integrate SWIFT operations with CBS and has also
advised that SWIFT messages must be sent in
structured manner. RBI has directed all banks to
strengthen systems, procedures and Governance
structure.
Due to significant rise in the stressed assets,
requirement to maintain higher capital adequacy
norms and inefficiency in the administration of the
PSU banks, there has been a significant decrease in
share capital as well as book value of shares of some
of these banks. These banks are unable to raise
funds from Stock market and therefore Government
has to give funds to these banks for their
sustenance. However the Government will have to
ensure the effective use of the capital. RBI has put 11
banks under “Prompt Corrective Action” (PCA)
framework and imposed control over it. We urge the
Government to extend all necessary support to the
Urban Co-op Banks of the country to ensure their
steady progress.
Overall the future of Indian economy and the
banking industry in particular, is promising. We
expect all staff members to work hard for bright
future of our bank.
Jay Sahakar.
Navnitbhai C. Patel
Chairman
08
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
{kLkLkeÞ Mk¼kMkË ¼kRyku yLku çknuLkku,
ykÃkýe çkUfLkwt çkkuzo ykuV rzhuõxMko, íkk.31-3-2018 Lkk hkus
Ãkqhk ÚkÞu÷k ð»koLkk MkLku 2017-18 Lkk ðkŠ»kf rnMkkçkku,
MxuåÞwxhe ykurzxMkoLkku ykurzx rhÃkkuxo, çkUfu ð»ko ËhBÞkLk fhu÷e
«økrík yLku fk{økeheLkku 48{ku ynuðk÷ ykÃk Mk{ûk hsq fheLku
ykÃk MkðuoLku çkUfLke ðkŠ»kf MkkÄkhý Mk¼k{kt ykðfkhíkkt n»ko
yLku ykLktËLke ÷køkýe yLkw¼ðu Au.
ð»ko 2017-18 Ëhr{ÞkLk çkUfLkku fw÷ fkhkuçkkh
Yk.10399 fhkuz :
ð»ko Ëhr{ÞkLk ykÃkýe çkUfu, ÚkkÃký, rÄhký íku{s LkVkfkhfíkk
ûkuºku Mktíkku»kfkhf fk{økehe fhe Au. çkUfLkku fw÷ fkhkuçkkh ð»ko
2017-18 Lkk ytíku Y>.10399 fhkuzu ÃknkUåÞku Au.
þuh furÃkx÷, fw÷ ¼tzku¤ yLku {qze ÃkÞkoóíkk :
çkUfLke yrÄf]ík þuh furÃkx÷ Y>.125 fhkuz Mkk{u ¼hÃkkR
ÚkÞu÷e furÃkx÷ ð»kkOíku Y>.88.05 fhkuz Au su yøkkWLkk ð»ko
fhíkkt 0.80% ðÄkhu Au ßÞkhu Mk¼kMkËkuLke MktÏÞk 51712 Au.
çkUfLke 56 þk¾kyku Ãkife 37 þk¾kyku ð»kkOíku Y>.100/-
fhkuzLkk fkhkuçkkhLku yktçke økR Au. su Ãkife 17 þk¾kykuyu
Y>.200 fhkuzÚke ðÄkhu fkhkuçkkh fÞkuo Au. 25 þk¾kyku yuðe
Au fu su{Lke Y>.100 fhkuzÚke ðÄw hf{Lke ÚkkÃkýku Au yLku 6
þk¾kykuyu Y>.100 fhkuzÚke ðÄw hf{Lkwt rÄhký fhu÷ Auu.
yk©{hkuz þk¾k Y>.675 fhkuzLke ÚkkÃkýku MkkÚku «Úk{ Lktçkhu
Au. ßÞkhu yuMk.yu{.R. yuLz {ez fkuÃkkuohux þk¾k Y>.1005/-
fhkuzLkk rÄhký MkkÚku «Úk{ Lktçkhu Au.
yk ík{k{ þk¾kykuLkk yrÄfkheyku yLku f{o[kheykuLku çkkuzo
ykuV rzhuõxMko yr¼LktËLk ÃkkXðu Au.
ykÃkýe çkUf{kt su Mk¼kMkËkuyu KYC LkkuBMko {wsçkLkk Ãkwhkðk
çkUfLkk ðkŠ»kf ynuðk÷ îkhk, Ãkºkku îkhk, çkUfLkk LkkuxeMk çkkuzo
îkhk yLku LÞwÍÃkuÃkh îkhk ònuhkík ykÃkðk Aíkkt çkUfLku Ãkwhk
Ãkkzu÷ LkÚke yLku íku{Lkkt MkhLkk{kt Ãký WÃk÷çÄ LkÚke íku{Lkwt
çkkuzo ykuV rzhuõxMkoLkku ynuðk÷
{kÃkËtz ð»ko 2016-17 ð»ko 2017-18 ðÄkhku/½xkzku(%)
þuh furÃkx÷ 87.35 88.05 (+) 0.80
Mk¼kMkË MktÏÞk 53817 51712 (-) 3.91
yLkk{ík ¼tzku¤ 1017.34 1121.41 (+) 10.23
ÚkkÃkýku 6249.82 6495.90 (+) 3.94
rÄhkýku 4221.19 3903.39 (-) 7.53
hkufkýku (økðo.rMkõÞw.yLku çkUf ÚkkÃkýku MkkÚku) 2879.07 3473.26 (+) 20.63
ðfeOøk furÃkx÷ 7705.66 8102.13 (+) 5.15
[kuϾku LkVku 85.82 110.24 (+) 28.45
fw÷ ykðf 651.34 690.21 (+) 5.97
fw÷ ¾[o 504.07 498.26 (-) 1.15
¢uzex/rzÃkkuÍex hurþÞku 67.54% 60.09% (-) 11.03
Mke.ykh.yu.ykh. 16.88% 16.73% (-) 0.89
økúkuMk yuLk.Ãke.yu. 61.98 (1.47%) 70.56 (1.81%) (+) 13.84
Lkux yuLk.Ãke.yu. 0.00 0.00 -
çkUfLkk «økríkMkq[f yktfzk
(Yk. fhkuz{kt)
09
th48 Annual Report 2017-2018
Mk¼kMkËÃkýwt hË fhíkk Mk¼kMkË MktÏÞk ½xe Au. ykÃkýe çkUf{kt
{so ÚkÞu÷ swËe swËe çkUfLkk Mk¼kMkËkuLku rLkÞík {ÞkoËk Mk{Þ{kt
rhÍðo çkUf ykuV RÂLzÞkLke økkRz÷kRLMk «{kýu KYC MktçktÄe
Ãkqhkðkyku hsq fhðkLkwt ÔÞÂõíkøkík Äkuhýu Ãkºk îkhk,
ðíko{kLkÃkºk{kt ònuhkík îkhk íkÚkk LkkuxeMk çkkuzo Ãkh LkkuxeMk îkhk
sýkðu÷ Aíkkt su Mk¼kMkËkuyu KYC ÃkqhkðkLke Ãkqíkoíkk fhu÷ LkÚke
íkuÚke íku{Lke çkkfe hnu÷e þuh{qze yLÞ sðkçkËkheyku{kt níke íku
fuÃkex÷ rhÍðo Vtz{kt s{k fhðk{kt ykðu÷ Au. WÄLkk MkexeÍLk
fku-ykuÃk. çkUfLkwt {soh ykÃkýe çkUf{kt ÚkÞu÷ Au. WÄLkk MkexeÍLk
fku-ykuÃk çkUf {soh Mk{Þu {kuxe ¾kux fhíke çkUf níke. rhÍðo çkUf
ykuV RÂLzÞk îkhk Mðef]ík yk çkUfLke {soh Mfe{ {wsçk
{sohÚke yuf ð»ko{kt yk çkUfLkk yLkhefðhuçk÷ yufkWLxTMk{kt
ykuðhzâw RLxhuMx Mkrník fw÷ Y>.Ãkkt[ fhkuzLke ðMkq÷kík ÚkkÞ íkku
s íku çkUfLkk Mk¼kMkËkuLku þuh{qze Ãkhík fhðe íku{ sýkðu÷ níkwt.
Ãkhtíkw yLkhefðhuçk÷ yufkWLxMk{kt {soh Mfe{Lke þhík «{kýu
hefðhe ykðu÷ LkÚke, suÚke {soh Mfe{ «{kýu íkuykuLke þuh{qze
yLÞ sðkçkËkheyku ¾kíku níke, íku çkUfLkk fuÃkex÷ rhÍðo Vtz{kt
s{k fhðk{kt ykðu÷ Au.
çkUfLkwt yLkk{ík ¼tzku¤ yøkkWLkk ð»ko fhíkkt 10.23% sux÷wt
ðÄeLku Y>.1121.41 fhkuzu ÃknkUåÞwt Au yLku çkUfLkku {qze ÃkÞkoóíkk
økwýku¥kh (Mke.ykh.yu.ykh) 16.73% ÚkÞku Au. ykÃk Mkðuo Mkt{ík
Úkþku fu yk økwýku¥kh rhÍðo çkUf îkhk yÃkurûkík 9% Lkk
økwýku¥khLke Mkh¾k{ýeyu ½ýku s Mkkhku Au.
yk{, þuh{qze{kt Mkíkík ð]ÂæÄ, çkUfLkwt Mk{]Ø yLkk{ík ¼tzku¤
yLku íku{kt W¥khku¥kh ðÄkhku íku{s íktËwhMík {qze ÃkÞkoóíkk
økwýku¥kh, çkUfLke MkæÄhíkkLke Mkkûke Ãkqhu Au.
ÚkkÃkýku : fw÷ ÚkkÃkýku ðÄeLku Y>.6495.90 fhkuz - 3.94% Lkku ðÄkhku :
ð»kkOíku ykÃkýe çkUfLke ÚkkÃkýku, økík ð»koLke Mkh¾k{ýeyu 3.94%
Lkk ðÄkhk MkkÚku Y>.6495.90 fhkuzu ÃknkU[e Au. ð»ko Ëhr{ÞkLk
rhÍðo çkUf ykuV RÂLzÞkyu ykuøkü - 2017 Lke Ãkku÷eMke{kt
0.25% huÃkkuhux{kt ½xkzku fh÷u níkku. suLku yLkwMkhe çkUfkuyu
ÃkkuíkkLke ÚkkÃkýku ÃkhLkk ÔÞks Ëh{kt ½xkzku fhu÷ níkku. suLkk fkhýu
ÚkkÃkýËkhku ÃkkuíkkLke rzÃkkuÍex WÃkkze BÞwåÞwy÷ Vtz{kt hkufký
fhðk ykf»kkoÞk níkk. Ãkrhýk{u çkUfkuLke rzÃkkuÍex ½xe níke. BÞw.
Vtz suðe LkkýktfeÞ ÞkusLkkyku{kt hkufký ðæÞw nkuðk Aíkkt ykÃkýe
çkUfLke ÚkkÃkýku{kt ðÄkhku ÚkÞku Au. çkUfLke CASA ÚkkÃkýku, ð»kkOíku
Y>.2039.56 fhkuz sux÷e níke su fw÷ ÚkkÃkýkuLkk 31.40%
sux÷e Au. çkkuzo ykuV rzhuõxMko yuðwt Mðefkhu Au fu çkUfLke
LkVkfhfíkk{kt ð]rØ, CASA ÚkkÃkýku Ãkh s ykÄkrhík Au. yux÷u
yk ÚkkÃkýku ðÄkhðk çkkuzo yLku MxkV Mkíkík «ÞíLkþe÷ Au. ykðe
ÚkkÃkýku ðÄu íku {kxu çkUf ðÄw Lku ðÄw çk[ík/[k÷w ¾kíkkt ¾w÷u íku
{kxu Mk½Lk «ÞíLkku fhu Au. ykLkk Ãkrhýk{u ð»ko Ëhr{ÞkLk,
çkUf{kt 42766 Lkðk çk[ík ¾kíkkt yLku 4353 Lkðk [k÷w ¾kíkkt
¾ku÷ðk{kt ykÔÞkt Au. çkUf îkhk, r«r{Þ{ yLku r«ðe÷us íkÚkk
MÃku~Þ÷ «fkhLkkt çk[ík/[k÷w ¾kíkkyku{kt økúknfkuLku MkuðkËh{kt
rðþu»k hkník ykÃkðk{kt ykðu Au.
çkUf {kuçkkR÷ çkU®føk Mkuðk, RLxhLkux çkU®føk Mkuðk, rLk:þwÕf
zurçkx fkzo, fuLÿ MkhfkhLke rðrðÄ ðe{k ÞkusLkkyku, yLÞ
xufLkku÷kuS MkÃkkuxuoz Mkuðkyku ykÃku Au suÚke ðÄwLku ðÄw økúknfku
çkUf MkkÚku òuzkR hÌkk Au. çkUf ©uc MíkhLke økúknf MkuðkLku Ãký
¾qçk s «kÄkLÞ ykÃku Au. çkUfLkk ík{k{ Mk¼kMkËku yLku
þw¼uåAfku çkUfLkk økúknf ðøko{kt ðÄkhku fhðk Mknfkh ykÃku
íkuðe çkkuzo ykuV rzhuõxMko rðLktíke fhu Au.
rhÍðo çkUf ykuV RÂLzÞkLke Mkq[Lkk yLkwMkkh, çkUfLke ÚkkÃkýku Ãkh
rzÃkkuÍex RLMÞkuhLMk yLku ¢urzx økuhtxe fkuÃkkuohuþLkLku (DICGC)
[qfððkÃkkºk Úkíkwt r«r{Þ{, çkUf îkhk rLkÞr{ík heíku [qfððk{kt
ykðu Au.
rÄhkýku : fw÷ rÄhký Y>.3903.39 fhkuz :
çkUfLke fux÷ef þk¾kykuyu rÄhký ð]ÂæÄ {kxu fhu÷k Mk½Lk
«ÞkMk ykðfkhËkÞf Au.
ð»ko 2016-17{kt {wtçkR ÂMÚkík fk÷çkkËuðe yLku ytÄuhe
þk¾kykuyu yu÷.Mke.rzMfkWLx rÄhký Y>.924.93 fhkuz fhu÷
níkwt. su ð»ko 2017-18{kt ½xkzeLku yk «fkhLkwt rÄhký Y>.
81.40 fhkuzu hnu÷ Au. nk÷Lkk Mktòuøkku{kt yu÷.Mke.çkeÕMk
rzMfkWLxªøk «fkhLkk rÄhký{kt hnu÷ heMfVuõxh yLku ykuAw
ð¤íkhLku æÞkLk{kt hk¾e yk xqtfk økk¤k «fkhLkk rÄhkýLke
søÞkyu huøÞw÷h «fkhLkk rÄhkýLku yrøkú{íkk ykÃkðk{kt ykðu÷
Au. yu÷.Mke.çkeÕMk rzMfkWLxªøk rMkðkÞLkw t rÄhký
íkk. 31-03-2017 Lkk hkus Y>. 3296.26 fhkuz níkwt. íku ðÄeLku
íkk. 31-03-2018Lkk hkus Y>. 3821.99 fhkuz ÚkÞwt. su
15.95% ðÄkhku Ëþkoðu Au. suÚke çkUfLkk fuþ¢uzex yLku ÷kuLk
rÄhký{kt LkkUÄÃkkºk ðÄkhku ÚkÞu÷ Au. yk{ yu÷.Mke.çkeÕMk
rzMfkWLx rÄhký{kt Y>. 843.53 fhkuzLkk ½xkzk Aíkkt çkUfLkwt
ð»kkOíku fw÷ rÄhký Y>. 3903.39 fhkuzu ÃknkUåÞwt Au. su økík
ð»koLkk rÄhký Y>. 4221.19 fhkuzLke Mkh¾k{ýeyu LkSðku
½xkzku Ëþkoðu Au.
10
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
çkU®føk ûkuºkLkk «ðíko{kLk MktòuøkkuLku fkhýu rÄhký{kt ÚkÞu÷
LkSðk ½xkzkLku ÷eÄu çkUfLkku ¢urzx rzÃkkuÍex økwýku¥kh 60.09%
sux÷ku ÚkÞku Au, su yøkkWLkk ð»kuo 67.54% sux÷ku ô[ku níkku.
[k÷w ð»kuo rÄhkýLkk fk{fks{kt Mkkhku yuðku ðÄkhku ÚkkÞ íkuðk
«ÞíLkku ð»koLke þYykíkÚke s þY fhe Ëuðk{kt ykÔÞk Au. yk
rMkðkÞ rhxu÷ rÄhký ûkuºku nkWMkªøk, þiûkrýf yLku fkh ÷kuLk
{kxu ¾qçk s MÃkÄkoí{f Ëhu rÄhký ykÃkðk{kt ykðu Au. ykÃkýk
f{o[kheyku, økúknfku yLku çkkuzoLkk ykðk «ÞkMkkuÚke, çkUfLkk
rÄhký{kt Mkkhku yuðku ðÄkhku ÚkðkLke yÃkuûkk Au.
çkUf îkhk Úkíkk ík{k{ «fkhLkk rÄhkýku{kt ¾qçk s MÃkÄkoí{f
yLku ½xkzu÷k ÔÞks Ëhku hk¾ðk{kt ykÔÞk Au suLkku ÷k¼ ½ýk
çkÄk økúknfkuLku {¤u Au. ykÃkýk Ëuþ{kt MSME ûkuºk ykŠÚkf
rðfkMk{kt yLku hkusøkkhe MksoLk{kt ½ýwt s ÞkuøkËkLk ykÃku Au.
yux÷u MSME ûkuºku rÄhký{kt ð]ÂæÄ Úkíke hnu íku {kxu yk ûkuºkLkk
WãkuøkfkhkuLke ¾kMk r{xªøkku Þkusðk{kt ykðu Au. íkËTWÃkhktík
Agro Based WãkuøkfkhkuLku ¾kMk Ëhu rÄhký ykÃkðk{kt ykðu Au.
nkWMkªøk rÄhký Ãký ¾qçk s MÃkÄkoí{f Ëhu yÃkkÞ Au. yk
rMkðkÞ ík{k{ «fkhLkkt rhxu÷ rÄhký Ãký çkU®føk Wãkuøkûkuºku
«ðíko{kLk ÔÞksËhkuLke íkw÷Lkk{kt ¾qçk s ykf»kof Ëhu yÃkkÞ Au.
AuÕ÷kt fux÷ktf ð»kkuoÚke Ëk¾÷ fhkÞu÷e ¢urzx hu®xøk «Úkk
ytíkøkoík, ô[w hu®xøk Ähkðíkk økúknfkuLku ÔÞksËh{kt rðþu»k hkník
ykÃkðk{kt ykðu Au. yk ÞkusLkk{kt ðÄw MkwÄkhk fhe íkuLku ðÄw
økúknfkuÃkÞkuøke çkLkkððk{kt ykðe hne Au. rÄhkýLke fk{økehe
fhíkk þk¾kykuLkk f{o[kheyku, {wÏÞ f[uheLkk yrÄfkheyku,
{kfuoxªøk rð¼køkLkk yrÄfkhe íkÚkk çkkuzo ykuV rzhuõxMkoLkkt
MkÇÞku, rÄhký yhSykuLkk {qÕÞktfLk{kt r[ðxÃkqðof fk{økehe
fhu Au. yk{ çkUf îkhk rÄhký ð]ÂæÄ {kxu íku{s ykðkt rÄhký
NPA Lk ÚkkÞ íku {kxu Mk½Lk «ÞkMkku [k÷w s hnuþu. çkUfLkwt çkkuzo
ykuV rzhuõxMko yk fk{økehe fhíkk MkðuoLku yr¼LktËLk ÃkkXðu Au.
«kÞkuhexe MkuõxhLkwt rÄhký :
rhÍðo çkUf ykuV RÂLzÞkLke Mkq[Lkk «{kýu, çkUfkuyu íku{Lke
yuzsMxuz Lkux çkUf ¢urzxLkk 40% sux÷wt rÄhký «kÞkurhxe
Mkuõxh{kt, su Ãkife 10% rÄhký Lkçk¤k ðøkkuoLku fhðkLkwt nkuÞ Au.
íkËT yLkwMkkh, ð»ko 2017-18 Lku ytíku ykÃkýe çkUfLkwt «kÞkurhxe
Mkuõxh{kt rÄhký 43.77% sux÷wt Au, su yøkkWLkk ð»kuo 48.34%
níkwt. Lkçk¤k ðøkkuoLku ÚkÞu÷wt rÄhký 6.31% Au, su yøkkWLkk ð»kuo
6.45% níkwt. çkUf yk ûkuºkku{kt rÄhký ðÄkhðk Mk½Lk «ÞkMkku fhu
Au.
Lkçk¤k ðøkkuoLku fhu÷ rÄhký ðÄkhðk {kxu çkUf îkhk {kR¢ku
¢uzex zeðeÍLk W¼wt fhðk{kt ykÔÞwt Au. yk WÃkhktík y{ËkðkË{kt
çkkÃkwLkøkh, rLkfku÷, {uBfku, ðkzs íkÚkk Mkwhík{kt WÄLkk
WãkuøkLkøkh {kR¢ku¢uzex MkuLxh W¼k fhðk{kt ykðu÷ Au. yk
WÃkhktík Lkçk¤k ðøkkuoLkk ÷kufkuLku ½h yktøkýu çkU®føk Mkuðkyku
ykÃkðk y{ËkðkË þnuh{kt {kuçkkR÷ ðkLk þY fhe yk
{kuçkkR÷ ðkLk y{ËkðkË{kt swËk swËk rðMíkkh suðk fu,
çknuhk{Ãkwhk, {swhøkk{, Ëkýe÷e{zk, ÃkherûkíkLkøkh, ¼wËhÃkwhk
økk{ yLku hk{ËuðLkøkh ðøkuhu MkuLxhkuyu çkU®føk Mkuðk ykÃku Au.
yu{yuMkyu{R ûkuºkLkwt rÄhký :
ykÃkýk Ëuþ{kt yu{yuMkyu{R ûkuºkLke hkusøkkhe ðÄkhðkLke
ûk{íkkLku æÞkLk{kt ÷R, yk ûkuºkLkk rðfkMk {kxu rÄhký ð]ÂæÄLku
Mkhfkh yLku rhÍðo çkUf îkhk yrøkú{íkk ykÃkðk{kt ykðu Au.
ykÃkýe çkUf Ãký yk ûkuºk{kt ðÄwLku ðÄw rÄhký ÚkkÞ íku {kxu
þõÞ çkÄk s ík{k{ «ÞkMk fhu Au. çkUf îkhk yk ûkuºk{kt
rÄhký ð]ÂæÄ {kxu ykiãkurøkf rðMíkkhku{kt ykðu÷e 14
þk¾kykuLku ÃkMktË fhðk{kt ykðe Au. ð»kkOíku çkUfLkwt yk ûkuºk{kt
rÄhký ÷øk¼øk Y>.1473 fhkuzu ÃknkuåÞwt Au. yk ûkuºk{kt rÄhký
ð]ÂæÄ ÚkkÞ íku {kxu Mk½Lk «ÞíLkku fhðk{kt ykðu Au yLku
þk¾kyku{kt fMx{h{exLkwt ykÞkusLk fhðk{kt ykðu Au yLku
yk{ktÚke su Mkq[Lkku {¤u íkuLkku yÇÞkMk fhðk{kt ykðu Au yLku
íÞkhçkkË ÞkuøÞ y{÷ fhðk{kt ykðu Au.
{kR¢ku ¢urzx - {rn÷k MkþÂõíkfhý :
¼khík MkhfkhLke hk»xÙeÞ Lkerík yLku rhÍðo çkUf ykuV
RÂLzÞkLkk {køkoËþoLk «{kýu ykÃkýe çkUf {kR¢ku ¢urzxLku
W¥kusLk ykÃke hne Au. çkUfLkk yLÞ rÄhkýkuLke su{ {kR¢ku
¢urzxLkk rÄhkýLku ðuøk ykÃkðk íkÚkk íkuLkk ÃkæÄríkMkh ykÞkusLk
yLku MkwÃkhrðÍLk {kxu çkUf{kt y÷øk zeðeÍLk W¼wt fhðk{kt
ykÔÞwt Au. {kR¢ku ¢urzxLkk {wÏÞ ÷k¼kÚkeoyku {rn÷kyku Au. su
ykðk rÄhkýLke MknkÞÚke hkusøkkhe {u¤ðe íku{Lkk ÃkrhðkhLku
MknkÞYÃk çkLku Au. ykðk çkUf rÄhkýÚke {rn÷kykuLke ykŠÚkf
ÂMÚkrík {sçkqík çkLke hne Au. yLku íku{Lkk{kt çkU®føk ÔÞðnkhkuLke
Mk{s Ãký ykððk ÷køke Au. çkUfLkk yk «ÞkMkkuÚke {rn÷k
MkþÂõíkfhý «ð]r¥kLku ðuøk {¤e hÌkku Au. çkUfu ð»ko 2017-18
Ëhr{ÞkLk yuftËhu 2321 {rn÷kyku Y>.6.29 fhkuzLkwt rÄhký
fÞwO Au yLku MkLku 2012 Úke yks MkwÄe{kt çkUfu 9700 WÃkhktík
÷k¼kÚkeoykuLku Y>. 23.18 fhkuz WÃkhktíkLkwt rÄhký fÞwO Au.
{rn÷k MkþÂõíkfhýLkk fk{fks{kt Mktf¤kÞu÷e MktMÚkkyku suðe
fu rð[híkk Mk{wËkÞ Mk{ÚkoLk {t[ íku{s ßÞkuríkMkt½ yk
fk{økehe{kt çkUfLku {ËË fhu Au.
rÄhkýLkku ÔÞkÃk ðÄkhðk íku{s Mk{ÞMkh hefðhe fhðk{kt
11
th48 Annual Report 2017-2018
rð[híkk Mk{wËkÞ Mk{ÚkoLk {t[Lkk {uLkuStøk xÙMxe ©e{íke
r{¥k÷çkuLk Ãkxu÷ yLku íku{Lke fkÞofh çknuLkkuLkku MkkÚk {¤e hÌkku
Au.
yk fk{fks{kt hkufkÞu÷k çkUfLkk yrÄfkheyku f{o[kheyku
yLku rVÕzðfoh çknuLkkuLku çkkuzo yr¼LktËLk ykÃku Au.
LkkuLk ÃkhVku{eOøk yuMkuxTMk (NPA) økúkuMk yuLk.Ãke.yu. {kºk 1.81% Lkux yuLk.Ãke.yu. 0.00% :
Mk{økú ¼khíkLkku çkU®føk Wãkuøk, ðÄíke síke LkkuLk ÃkhVku‹{øk
yuMkuxTMkLke Mk{MÞkLkku íkeðú Mkk{Lkku fhe hÌkku Au íÞkhu, ð»ko
2017-18 ËhBÞkLk çkUfu Y>.38 fhkuzLke NPA ¾kíkk{kt hefðhe
fhu÷ Au íkÚkk ð»ko ËhBÞkLk Lkðk NPA ¾kíkkykuLkku Mk{kðuþ
fÞko çkkË økúkuMk NPA Y>.70.56 fhkuz hÌkwt Au. su fw÷
rÄhkýLkk {kºk 1.81% Au. (yk NPA Lke hf{{kt ykÃkýe çkUf
MkkÚku {so ÚkÞu÷e çkUfkuLkk NPA Lkku Ãký Mk{kðuþ ÚkkÞ Au.)
çkUfLkkt MxkLzzo rÄhký íku{s yuLk.Ãke.yu. rÄhký Mkk{u, rhÍðo
çkUfLkk rLkÞ{kLkwMkkh, Y>. 64.32 fhkuzLke òuøkðkR fhðkLke
sYh Au. suLke Mkk{u ykÃkýe çkUf îkhk Y>.171.40 fhkuzLke
òuøkðkR fhðk{kt ykðu÷e nkuðkÚke, çkUfLkkt Lkux yuLk.Ãke.yu.;
yøkkWLkk ½ýkt ð»kkuoLke su{ þqLÞ xfkyu s¤ðkR hÌkk Au.
çkUfLkk yuLk.Ãke.yu. ÚkÞu÷ ¾kíkkyku ÃkifeLkk fw÷ 170 ¾kíkkyku{kt, ð»ko Ëhr{ÞkLk ðMkq÷kíkLke Mk{økú «r¢Þk Ãkqhe fÞko çkkË, {wÆ÷, Lkne WÄkhu÷ ÔÞks, ËtzLkeÞ ÔÞks íkÚkk yLÞ ¾[koyku{kt hkník ykÃke. yk ík{k{ ¾kíkkyku, {ktze ðk¤ðkLkwt çkUfLkk çkkuzo ykuV rzhuõxMkuo XhkÔÞwt Au. yk ¾kíkkyku Ãkife 89 ¾kíkkyku{kt, {ktze ðk¤ðkLke hf{{kt Y>.162.12 ÷k¾Lke {wÆ÷ hf{Lkku Ãký Mk{kðuþ ÚkkÞ Au. çkkuzo ykuV rzhuõxMkoLku {¤u÷e Mk¥kkLke Yyu, çkkuzuo yk rLkýoÞ fÞkuo Au, suLku çknk÷e ykÃkðk
çkkuzo yk Mk¼kLku rðLktíke fhu Au. ð»ko 2018-19 Ëhr{ÞkLk Ãký
ykðkt ¾kíkkykuLku {ktzðk¤ fhðk çkkuzo ykuV rzhuõxMkoLku Mk¥kk
ykÃkðk yk Mk¼kLku ¼÷k{ý fhu Au suLku {tsqhe ykÃkðk rðLktíke
Au.
hkRx ykuV fhu÷k ¾kíkkyku{kt rhfðhe ytøku :
çkUf{kt yuLk.Ãke.yu. ÚkÞu÷k fux÷kf ¾kíkkyku{kt ðMkq÷kíkLke
rçk÷fw÷ þõÞíkk Lk ÷køkíkkt, ¼qíkfk¤{kt Ëh ð»kuo Úkkuzkf ¾kíkkt,
ðkŠ»kf MkkÄkhý Mk¼kLke {tsqheÚke «wzuLþeÞ÷e hkRx ykuV
fhðk{kt ykðíkk níkkt. yk heíku hkRx ykuV fhu÷kt ík{k{
¾kíkkykuLku, MkkÄkhý Mk¼kLke {tsqhe ÷RLku, ð»kuo 2013-14 Lkk
ytíku ¾hu¾h hkRx ykuV fhe Ëuðk{kt ykÔÞkt níkk. Ãkhtíkw ykðkt
¾kíkkyku{kt ðMkq÷kíkÚke «r¢Þk [k÷w hk¾ðk{kt ykðe Au. suLku
Ãkrhýk{u ð»ko 2017-18 Ëhr{ÞkLk Y>.1.11 fhkuzLke LkkUÄÃkkºk
ðMkq÷kík fhðk{kt ykðe Au. çkUfLkk rhfðhe rð¼køkLke
fk{økeheLku çkkuzo ÄLÞðkË ykÃku Au.
çkUfLkk rzhuõxMkoLku rÄhký :
ykÃkýe çkUf{kt fkuR Ãký rzhuõxhLku fu rhÍðo çkUf ykuV RÂLzÞk
îkhk ÔÞkÏÞkrÞík íku{Lkkt Mkøkkt MktçktÄeLku, íku{ýu Ãkkuíku ykÃkýe
çkUf{kt {qfu÷ çkktÄe{wËíkLke ÚkkÃkýku Ãkh yÃkkíkk rÄhký rMkðkÞ
yLÞ fkuR Ãký «fkhLkwt rÄhký ykÃkðk{kt ykðíkwt LkÚke yLku íku
heíku çkUf îkhk rhÍðo çkUf ykuV RÂLzÞkLkk ykËuþLkwt [wMíkÃkýu
Ãkk÷Lk fhðk{kt ykðu Au.
hkufkýku : Y>.3473.26 fhkuz
ð»ko 2016-17 Lkk ytíku ykÃkýe çkUfLkkt fw÷ hkufký
Y>.2879.07 fhkuz níkkt, su ð»ko 2017-18Lkk ytíku ðÄeLku
Y>.3473.26 fhkuz ÚkÞkt Au. su{kt SLR fuxuøkheLkkt Y>.1840.64
fhkuzLkkt, Non SLR fuxuøkheLkkt Y>.597.70 fhkuzLkkt íkÚkk
yLÞ çkUfku{kt {qfu÷e Y>.924.70 fhkuzLke ÚkkÃkýkuLkku íkÚkk
CCIL CBLO ÷uLzªøk Y>.109.94 fhkuzLkku Mk{kðuþ ÚkkÞ Au.
ð»ko Ëhr{ÞkLk, ¾kMk fheLku hkufkýku Mkk{uLkkt Mkt¼rðík òu¾{kuLkku
Mkk{Lkku fhðk çkUfu, rhÍðo çkUfLke Mkq[Lkk «{kýu Y>.86.42
fhkuzLkwt RLðuMx{uLx zu«eMkeyuþLk rhÍðo W¼wt fhu÷ Au. yk
WÃkhktík çkUfLkwt RLðuMx{uLx ^÷õåÞwyuþLk rhÍðo (IFR)
Y>.31.21 fhkuz Au. çkUfLkkt ík{k{ hkufký ¾qçk s Mk÷k{ík hnu
íku {kxu çkUf îkhk sÁhe fk¤S ÷uðk{kt ykðu Au. yk ð»kuo
økðo{uLx MkeõÞwhexeLkk ¾heË-ðu[ký îkhk Y>.3.33 fhkuzLkku
LkVku fhu÷ Au.
òu¾{ «çktÄLk (heMf {uLkus{uLx) :
ðíko{kLk Mk{Þ{kt, çkU®føk fk{fks «ýkr÷fkyku{kt ¾qçk s
ÍzÃkÚke ÃkrhðíkoLk ÚkR hÌkwt Au. rhÍðo çkUf ykuV RÂLzÞk îkhk
Ãký çkUfkuLku íku{Lke hkusçkhkusLke fk{økehe{kt ½ýe s MðkÞ¥kíkk
ykÃkðk{kt ykðe Au yux÷u çkUfku{kt òu¾{ «çktÄLkLke sYrhÞkík
ðÄe økR Au. çkUfkuLku {wÏÞíðu Ãkrh[k÷Lk òu¾{ (ykuÃkhuþLk
heMf), rÄhkýLkwt òu¾{ (¢uzex heMf) íku{s çkòhLkk òu¾{
({kfuox heMf)Lkku Mkk{Lkku fhðku Ãkzu Au. yk çkÄkt s òu¾{kuLkku
Mkk{Lkku fhðk ykÃkýe çkUf îkhk ík{k{ sYhe ÔÞðMÚkk fhðk{kt
ykðe Au. çkòhLkk òu¾{Lkku yÇÞkMk fhe Mk{ÞMkh rLkýoÞ
÷uðk, çkUf{kt RLðuMx{uLx fr{rxLke h[Lkk fhkR Au, su
12
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
Mk{Þktíkhu {¤e ÞkuøÞ rLkýoÞku ÷u Au. rÄhký ytøkuLkk òu¾{kuLku
rLkÞtrºkík fhðk ykurzx, RLMkÃkuõþLk, rÄhkýLke {tsqhe ytøku
rðfuLÿetík Mk¥kk, yuõMkÃkkuÍh rMk÷ªøkLkwt rLkÄkohý yLku
{kurLkxhªøk/RLMÃkuõþLk, ¢urzx hu®xøk suðe ÔÞðMÚkk y{÷{kt
Au. çkUf{kt rhMf çkuÍTz MkwÃkhrðÍLkLke Ãký ÔÞðMÚkk fhðk{kt
ykðe Au. çkUfLke ykurzx fr{xe yk fk{fks Ãkh rðþu»k æÞkLk
ykÃku Au. ykÃkýe çkUf VkuhuLk yuõMk[uLsLkwt fk{fks fhðk
yu.ze. fuxuøkhe-1 «fkhLkwt ÷kÞMkLMk Ähkðíke nkuðkÚke, fLxÙe
rhMfLkku Mkk{Lkku fhðku Ãkzu Au. yk ytøku çkkuzuo fLxÙe heMf yLku
«kR{ / LkkuLk «kR{ çkUf ðkRMk yuõMÃkkuÍh ÷e{ex Lk¬e fhu÷
Au. suLkku Mk{Þktíkhu heÔÞw fhðk{kt ykðu Au. çkUf{kt
r÷õðezexeLkwt òu¾{ W¼wt Lk ÚkkÞ yu {kxu yuMkux ÷kÞurçk÷exe
fr{rx Mk{Þktíkhu {¤u Au íkÚkk rhÍðo çkUfLku yk ytøkuLkkt Ãkºkfku
Mk{ÞMkh {kuf÷kÞ íkuLkw t æÞkLk hk¾ðk{kt ykðu Au.
yuMkyu÷ykh/MkeykhykhLke ò¤ðýe{kt rðûkuÃk Lk Ãkzu yuLke
r[ðx hk¾ðk{kt ykðu Au. çkUf îkhk yuMkyu÷ykh /
MkeykhykhLke ò¤ðýe{kt õÞkhuÞ Ãký [qf fhðk{kt ykðe
LkÚke. yk rð¼køkLkk yrÄfkheykuLku çkkuzo yr¼LktËLk ykÃku Au.
yk{ ykÃkýe çkUf{kt, òu¾{ «çktÄLk fk{økeheLke yøkíÞíkk
Mk{S, íku ytøku nt{uþ {wsçk Ãkqhíke ÔÞðMÚkk økkuXððk{kt ykðe
Au.
LkVkLke Vk¤ðýe yLku rzrðzLz :
fw÷ ykðf Y>.690.21 fhkuz
[kuϾku LkVku Y>.110.24 fhkuz
rzrðzLz : 15% (Mkqr[ík)
y{Lku sýkðíkkt ykLktË ÚkkÞ Au fu ð»ko 2016-17 Lkk ytíku
çkUfLke fw÷ ykðf Y>.651.34 fhkuz níke, su 2017-18 Lkk
ytíku ðÄeLku Y>.690.21 fhkuzu ÃknkU[e Au. yk ykðf{ktÚke fw÷
¾[o, òuøkðkRyku yLku ykðfðuhkLke hf{ çkkË fhíkkt, [kuϾku
LkVku Y>. 110.24 fhkuzu ÃknkUåÞku Au, su økík ð»kuo Y>.85.82
fhkuz níkku. çkUfLkk fkÞoûk{ ðneðxLku fkhýu çkUfLkku LkVku
W¥khku¥kh ðÄe hÌkku Au, suLkkÚke çkUfLkkt yLkk{ík ¼tzku¤{kt
ðÄkhku ÚkR hÌkku Au yLku yu heíku çkUfLke MkæÄhíkk{kt Ãký
ðÄkhku ÚkR hÌkku Au. çkUfLkk ÃkuxkfkÞËkykuLke òuøkðkRyku «{kýu
çkUfLkwt çkkuzo yk LkVkLke Vk¤ðýe fhðk Lke[u «{kýu ¼÷k{ý
fhu Au, suLku {tsqh hk¾ðk yk Mk¼kLku çkkuzo rðLktíke fhu Au.
y.Lkt. rðøkík hf{ Y>.
1. rhÍðo Vtz (25%) 27,56,06,683.67
2. rþûký Vk¤ku 1,10,24,267.35
3. yLkVkuhMkeLk ÷kuMkeMk Vtz 11,02,42,673.47
4. rzrðzLz (15%) 12,61,46,766.07
5. {fkLk Vtz 14,11,10,622.04
6. Ä{koËk Vtz 1,41,11,062.20
7. fLxeLsLMke Vtz 7,05,55,311.02
8. RLðuMx{uLx ^÷õ[wyuþLk Vtz 3,33,00,000.00
9. rhÍðo Vtz 32,03,29,348.87
[kuϾku LkVku : 1,10,24,26,734.69
çkutfLkwt çkkuzo ykuV rzhuõxMkuo ð»ko 2017-18 {kxu 15% rzrðzLz [qfððkLke ¼÷k{ý fhu Au, suLku {tsqhe ykÃkðk yk Mk¼kLku rðLktíke Au.
÷ûÞktfkuLke Mk{eûkk íkÚkk ð»ko 2018-19 Lkwt çksux (÷ûÞktf) :
çkUf îkhk Ëh ð»kuo, ð»koLke þYykík{kt s ykøk¤Lkk ð»kuo
yÃkkÞu÷kt ÷ûÞktfkuLke Mkh¾k{ýeyu rMkæÄ fhu÷kt ÷ûÞktfkuLke
Mk{eûkk fhðk íkÚkk [k÷w ð»ko {kxuLkkt Lkðkt ÷ûÞktfku ykÃkðk
MktçktrÄík f{o[kheyku MkkÚku [[ko fhðk{kt ykðu Au. ð»koLke
þYykík{kt s yk fk{økehe Úkíke nkuðkÚke f{o[kheykuLku
ykÞkusLk fhðk{kt Mkh¤íkk hnu Au. MkkÚku MkkÚku, su þk¾kykuyu
÷ûÞktfkuLke «kró MktçktÄe Mkkhe fk{økehe fhe nkuÞ íku{Lku
rçkhËkððk{kt Ãký ykðu Au ð»ko 2017-18 Ëhr{ÞkLk çkUfu
{kuxk¼køkLkk ík{k{ ÷ûÞktf Mkkhe heíku rMkØ fÞkO Au, suLkku Þþ
çkUfLkk Mkðuo f{o[kheyku, çkkuzo ykuV rzhuõxMkoLkk MkÇÞku, þk¾k
rðfkMk Mkr{ríkykuLkk r¢Þkþe÷ MkÇÞku yLku økúknfku /
þw¼uåAfkuLku òÞ Au.
ð»ko 2017-18 {kxu rLkÄkorhík ÷ûÞktfkuLke Mkk{u ÚkÞu÷e fk{økehe
íkÚkk ð»ko 2018-19 Lkk çksuxLke {krníke Mk¼kMkËkuLke òý MkkY
hsq fheyu Aeyu suLku {tsqh fhðk yk Mk¼kLku rðLktíke Au.
12
th48 Annual Report 2017-2018
13
fkuÃkkuohux f{ fku-ykuÃkhuxeð økðLkoLMk :-
çkUfLke MÚkkÃkLkkÚke çkUfLkk ðrnðx{kt Mknfkrhíkk{kt {q¤¼qík {qÕÞkuLkk síkLkLku yøkúíkk ykÃkðk{kt ykðu Au. ykÃkýe çkUf ðneðx MktçktÄe fkuÃkkuohux økðoLkLMkLku «kÄkLÞ íkku ykÃku s Au, MkkÚku fku.ykuÃkhuxeð {qÕÞkuLku Ãký yux÷wt s {níð ykÃku Au, yLku yLÞ fku.ykuÃkhuxeð çkUfkuLkwt rð÷eLkefhý fheLku íkuLkk Mk¼kMkËku yLku økúknfkuLku hûký ykÃku Au. MkLku 1991 Úke MkLku 2017 MkwÄe{kt Mkkík fku-ykuÃk. çkUfkuLkwt ykÃkýe çkUf MkkÚku rð÷eLkefhý ÚkÞu÷ Au. çkUfLkwt çkkuzo ykuV rzhuõxMko, Mk{ks yLku þuh nkuÕzMko «íÞuLke sðkçkËkhe Mk{SLku, rLkýoÞku{kt ÃkkhËŠþíkk ò¤ðeLku, íku{s rhÍðo çkUf îkhk yÃkkÞu÷k Mkq[LkkuLkwt ©uc heíku Ãkk÷Lk fheLku, çkUfLke «økrík {kxu s fkÞo fhu Au. rhÍðo çkUfLke Mkq[Lkk yLkwMkkh çkUfLkk çkkuzo{kt çku «kuVuþLk÷ rzhuõxMko Ãký ÃkkuíkkLke Mkuðkyku ykÃku Au. çkkuzo ykuV rzhuõxMkoLke r{®xøkku ÷øk¼øk Ëh {rnLku çku ð¾ík {¤u Au. su{kt {kuxk ¼køkLkk MkÇÞku nksh hnu Au. çkkuzo îkhk h[kÞu÷e fr{rxLke {exªøkku Ãký sYrhÞkík «{kýu {¤u Au, çkUfLkk çkkuzo{kt sYh sýkÞ íÞkhu yk{trºkíkkuLke MkuðkLkku ÷k¼ rLkÞ{kLkwMkkh ÷uðkÞ Au.
yktíkhhk»xÙeÞ ÔÞkÃkkh rð¼køk :
ykÃkýe çkUf ykuÚkkuhkRÍTz rz÷h fuxuøkhe-1 Lkwt fkÞ{e ÷kÞMkLMk Ähkðíke økwshkíkLke «Úk{ Mknfkhe çkUf Au. çkUfu yktíkhhk»xÙeÞ
fkhkuçkkh{kt ð»ko Ëhr{ÞkLk Y>.10,267 fhkuzLkwt xLko ykuðh fÞwO Au. çkUf îkhk yktíkhhk»xÙeÞ fkhkuçkkh MktçktÄe ík{k{ fk{økehe fhðk{kt ykðu Au. ykÃkýe çkUf îkhk ÷uðkíkk MkuðkfeÞ [kSoMk ¾qçk s {kVfMkhLkk Au. çkUf y{urhfLk zku÷h WÃkhktík økúux rçkúxLk ÃkkWLz, Þwhku, fuLkuzeÞLk zku÷h íku{s òÃkkLkeÍ ÞuLk yu{ Ãkkt[ fhLMke{kt fk{ fhu Au.
yktíkhhk»xÙeÞ fkhkuçkkh rð¼køk îkhk yuõMkÃkkuxTMko yLku RBÃkkuxTMkoLku ÷økíke çkÄe s Mkuðkyku ykÃkðk{kt ykðu Au. yuõMkÃkkuxTMko {kxu yuõMkÃkkuxo Ãkufªøk ¢uzex, VkuhuLk çke÷ f÷uõþLk, VkuhuLk çke÷ Ãkh[uÍ/zeMfkWLxªøk/LkuøkkuMkeyuþLk RíÞkËe Mkuðkyku ¾wçk s ykf»kof ÔÞks Ëhu ykÃkðk{kt ykðu Au.
RBÃkkuxTMko {kxu VkuhuLk ÷uxh ykuV ¢uzex (FLC), çkkÞMkoo ¢uzex/MkÃ÷kÞMko ¢uzex, VkuhuLk çkUf økuhtxe ðøkuhu MkwrðÄkyku WÃk÷çÄ Au. çkUfLkw t VkuhuõMk rzÃkkxo{uLx ykÄwrLkf hkRxMko/ç÷w{çkøkoLke Mkuðkyku ðkÃkhu Au yLku rz÷ªøkY{ y{ËkðkË
þnuh{kt WÃk÷çÄ Au. çkUf zkÞhuõx SWIFT System Úke RLxhLkuþLk÷ Ãku{uLxMk Ãkwhk Ãkkzu Au yLku RLxhLkuþLk÷ çkUf rzhuõxhe{kt Ãký ykÃkýe çkUfLkk Lkk{Lkku Mk{kðuþ fhðk{kt ykðu÷ Au. yktíkhhk»xÙeÞ ÔÞkÃkkh fhíkk Wãkuøkfkhku yLku xÙuzMkoLku çkUfLke VkuhuõMk rzÃkkxo{uLxLke W¥k{ MkuðkLkku ÷k¼ ÷uðk rðLktíke Au.
y.Lkt. rðøkík ð»ko 2017-18 ð»ko 2017-18 Lkk ð»ko 2018-19LkwtLkwt çksux (÷ûÞktf) ÷ûÞktf Mkk{u rMkÂæÄ çksux (÷ûÞktf)
1. þuh {qze 90 88.05 95
2. yLkk{ík íkÚkk yLÞ ¼tzku¤ 1100 1121.41 1200
3. ÚkkÃkýku 6900 6495.90 7000
- su{ktÚke [k÷w/çk[ík ¾kíkkLke ÚkkÃkýku 2000 2039.56 2100
4. hkufkýku-yLÞ çkUfku{kt 3200 3473.26 3600
{qfu÷e ÚkkÃkýku Mkrník
5. rÄhký 4700 3903.39 4600
6. fkÞofkhe {qze 8400 8102.13 8400
7. fw÷ ykðf 726 690.21 766.50
8. fw÷ ¾[o 568 498.26 565.50
9. fkÞofkh LkVku 158 191.95 201
10. [kuϾku LkVku 95 110.24 114
11. yuLk.Ãke.yu. rhfðhe 30 38 35
ð»ko 2016-17Lkk ÷ûÞktfkuLke Mk{eûkk íkÚkk ð»ko 2018-19Lkwt çksux (Yk. fhkuz{kt)
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
14
çkUf îkhk Lkðe þk¾kLkku þw¼kht¼ :
rhÍðo çkUf ykuV RÂLzÞk îkhk {¤u÷e {tsqheLku ykÄkhu, ykÃkýe çkUfu ð»ko Ëhr{ÞkLk LÞw yuMk.S. hkuz (ðtËu{kíkh{) ¾kíku þk¾k ¾ku÷e Au. yk MkkÚku çkUfLke fw÷ 56 þk¾kyku ÚkR Au. çkUf AuÕ÷k çku ð»koÚke çkúef yuLz {kuxoh yuõMkÃkkLMkLkLke søÞkyu zeSx÷kRÍuþLk yLku ykR.xe. MkÃkkuxeoð ÔÞkÃk ðÄkhðk {ktøku Au íkÚkk ykÃkýe çkUf {soh yLku yuõðeÍeþLkLke «ÃkkuÍ÷ ykðfkhþu.
rMkæÄe fku-ykuÃk. çkUf r÷. Lkwt rð÷eLkefhý ({soh) :
y{ËkðkË þnuh{kt ykðu÷e rMkæÄe fku-ykuÃk.çkUf r÷. Lkwt ykÃkýe çkUf{kt rð÷eLkefhý fhðkLke «r¢Þk íkk.20-08-2016Lkk hkusÚke þY ÚkR níke suLkk yLkwMktÄkLk{kt ykÃkýe çkUfLke íkk.06-06-2017Lkk hkus {¤u÷ MkkÄkhý Mk¼k{kt yk çkUfLkwt rð÷eLkefhý fhðkLkwt MkðkoLkw{íku XhkÔÞwt níkwt. su Mkt˼uo fkÞoðkne [k÷w fhíkkt rhÍðo çkUf ykuV RLzeÞkyu íkk.10-05-2018Lkk ÃkºkÚke Mkqr[ík rð÷eLkefhýLke Ëh¾kMíkLku {tswhe ykÃke Au suÚke nðu MkuLxÙ÷ hSMxÙkh©e Mknfkhe {tz¤eyku, LÞw rËÕne yLku økwshkík hkßÞLkk Mknfkhe {tz¤eykuLkk hSMxÙkh©eLke {tswhe {¤íkkt rMkæÄe çkUfLkwt ykÃkýe çkUf{kt rð÷eLkefhý Úkþu.
ykÃkýe çkUfLke nk÷{kt 56 þk¾kyku Au. yk rð÷eLkefhýÚke rMkæÄe çkUfLke 3 þk¾kyku W{uhkíkkt [k÷w ð»ko{kt çkUfLke 59 þk¾kyku Úkþu.
fhLMke [uMx :
ykÃkýe çkUfLke {wÏÞ f[uhe ¾kíku íkk.03-06-2017Lkk hkus fhLMke [uMxLkwt WËT½kxLk fhðk{kt ykðu÷ níkwt. yk WËT½kxLk «Mktøku rhÍðo çkUf ykuV RÂLzÞk y{ËkðkËLkk heSÞkuLk÷ rzhuõxh©e su. fu. ËkMk Mkknuçk, RMÞw rzÃkkxo{uLxLkk sLkh÷ {uLkush©e yu. fk{Úk, zuÃÞwxe sLkh÷ {uLkush©e yþkuffw{kh íkÚkk ykMke. sLkh÷ {uLkush ©e{íke Mkwòíkk rðsÞ hk½ðLk íku{s çkUfLkk çkkuzo ykuV rzhuõxMkoLkk MkÇÞku íkÚkk {kuxe MktÏÞk{kt fku-ykuÃkhuxeð çkUfkuLkk nkuÆuËkhku yLku çkUfLkk ¾kíkuËkhku, Mk¼kMkËku yLku þk¾k rðfkMk fr{xeLkk MkÇÞku WÃkÂMÚkík hnu÷. ykÃkýe çkUf îkhk fhLMke [uMxLke Mkuðk þY fhðkÚke hkßÞLke yLÞ Mknfkhe çkUfkuLku fhLMkeLke [qfðýe íkÚkk LkkýktfeÞ çkkçkíku ½ýe {ËË {¤þu.
Ãkuhk çkU®føk Mkuðkyku :
çkU®føk ûkuºk{kt ðíko{kLk Mk{Þ íkeðú nrhVkRLkku Au, yux÷u çkUfkuyu LkVkLkwt ÔÞksçke Míkh ò¤ðe hk¾ðk, fkuh çkU®føk «ð]r¥kyku{ktÚke {¤íke ykðf WÃkhktík yLÞ çkU®føk Mkuðkyku{ktÚke Ãký Mkkhe yuðe ykðf {u¤ððe ¾qçk s sYhe Au. yk ykðf yux÷e nkuðe òuRyu fu íku{ktÚke çkUfLkku ðneðxe ¾[o Lkef¤u. ykÃkýe çkUf nsw yk Míkhu ÃknkU[e þfe LkÚke. íku{ Aíkkt, ykÃkýu ½ýe çkÄe Mkuðkyku rfVkÞíke Ëhu ykÃkeyu Aeyu, ykðe fux÷ef MkuðkykuLkku ykÃk Mkðuo ÷k¼ ÷ku yuðku y{khe rðLktíke Au.
RLxhLkux çkU®føk :
ykÃkýe çkUf fkuÃkkuohux yLku hexuR÷ RLxhLkux çkU®føk MkwrðÄk rðLkk {qÕÞ ykÃku Au. ykÃkýe çkUfLke RLxhLkux çkU®føk MkwrðÄk MkeõÞkuzo yuLkðkÞh{uLx yLku ykR.xe MkeõÞwhexe ykurzx nuX¤ ykuçkÍðo fhðk{kt ykðu Au. RLxhLkux çkU®føk îkhk økúknfku ykÃkýe çkUf{kt / yLÞ çkUf{kt Vtz xÙkLMkVh, Mxux{uLx ÔÞw/«eLxªøk, MxuxMk ykuV [uf, Lkðe [uf çkwf heõðuMx, VeõMk rzÃkkuÍex {qfðe, çke÷ Ãku{uLx ðøkuhu MkwrðÄkykuLku ÃkkuíkkLkk MÚk¤u s ÷uÃkxkuÃk yÚkðk {kuçkkR÷Úke WÃkÞkuøk fhe þfu Au.
çkUfLkk økúknfku yk MkuðkLkku {n¥k{ ÷k¼ ÷u íku RåALkeÞ Au. yk ð»koLkk ytík MkwÄe{kt 4000 fkuÃkkuohux økúknfku yLku 5000 hexuR÷ økúknfku yk MkuðkLkku ÷k¼ ÷R hÌkk Au. RLxhLkux çkU®føkLkku ÔÞkÃk
ðÄkhðk yk MkwrðÄk îkhk RTGS íkÚkk NEFT Vtz xÙkLMkVh fhðk{kt ykðu íkku fkuR Ãký òíkLkk [kSoMk ÷uðk{kt ykðíkkt LkÚke. íkuÚke yk MkuðkLkku ÷k¼ økúknfku ðÄw ÷u yuðe rðLktíke Au.
{kuçkkR÷ çkU®føk :
çkUf îkhk {kuçkkR÷ çkU®føk Mkuðk þY fhðk{kt ykðu÷ yk Mkuðk
nuX¤ ykR.yu{.Ãke.yuMk. îkhk (24x7) Vtz xÙkLMkVh, {eLkeMxux{uLx, çku÷uLMk ÃkqAÃkhA, [ufçkwf heõðuMx, [ufLkwt MxuxMk, çkeÕMk Ãku{uLx suðe ½ýe MkwrðÄkyku WÃk÷çÄ Au. suLkku çkUfLkk ðÄwLku ðÄw økúknfku ÷k¼ ÷u yuðe y{khe rðLktíke Au.
zurçkx fkzo :
çkUfLkk zurçkx f{ yu.xe.yu{. fkzoLke {ËËÚke ½ýe çkÄe MkwrðÄkyku {¤u Au su{ fu fkuR Ãký {ku÷ yÚkðk ËwfkLk{kt ÃkkuMk
{þeLk (PoS) Ãkh MðkRÃk fhe ¾heËe fhe þfkÞ. ykuLk ÷kRLk þkuÃkªøk, huÕðu rxrfx çkw®føk, nkux÷ çkw®føk, çke÷ Ãku{uLx, ðe{kLkk r«{eÞ{Lke [qfðýe íkÚkk zuçkex fkzo ç÷kuf fhðk {kxu
SMS MkŠðMk WÃk÷çÄ Au.
çkUfLkwt zurçkx fkzo ¼khík¼hLkk ÷øk¼øk ík{k{ ATM fuLÿku WÃkh
Mðef]ík Au íku{s ykþhu ËMk ÷k¾Úke ðÄw ðu[ký fuLÿku (PoS) WÃkh ¾heËe fhðk ðkÃkhe þfkÞ Au. yk fkzoLkku ðÄwLku ðÄw WÃkÞkuøk ykÃk Mkðuo fhku yuðe y{khe rðLktíke Au. yk WÃkhktík [k÷w ð»kuo çkUf îkhk YÃku Ã÷uxeLk{ zuçkex fkzoLke Mkuðk þY fhðk{kt ykðu÷ Au. su{kt Y>.2 ÷k¾Lkku RL~ÞkuhLMk fðh ÚkkÞ Au. íkÚkk Ëh {rnLku Þwxe÷exe çke÷ Ãku{uLxLke hf{Lkk 5% yÚkðk Yk. 50 (çku{ktÚke su ykuAe nkuÞ íku hf{)Lke fuþçkuf ykÃkðk{kt ykðu Au.
yu.xe.yu{. fuLÿku :
ykÃkýe çkUfLkkt 58 ATM fuLÿku fkÞohík Au su{kt Ãkkt[ ykuV MkkRx
ATM Ãký Au. ykÃkýkt yuxeyu{ 24 f÷kf Mkwhûkk økkzo íkÚkk Mke.Mke.xe.ðe. fu{uhkLke MkøkðzÚke Mkwhrûkík Au. yLÞ çkUfLkk yu.xe.yu{. fkzo Ähkðíkk økúknfku ykÃkýe çkUfLkk yu.xe.yu{.Lke Mkkhe MkuðkLku fkhýu ½ýku ÷k¼ ÷u Au. íkËTWÃkhktík ykÃkýe çkUfLkk
th48 Annual Report 2017-2018
15
økúknfku yLÞ çkUfLkk yLku yLÞ çkUfkuLkk økúknfku ykÃkýe çkUfLkkt fuþ rzÃkkuÍex {þeLk{kt hkufz s{k fhkðe þfu yuðe MkwrðÄk WÃk÷çÄ fhkðu÷ Au.
÷kufh Mkuðk :
ykÄwrLkf çkU®føk Wãkuøk{kt çkUfkuLke þk¾kykuLkk yãíkLk MkwrðÄk Ähkðíkk {fkLkku (ÃkrhMkhku){kt ÷kufhLkwt rðþu»k {níð Au. ykÃkýe çkUfLke 47 þk¾kyku{kt 71000 WÃkhktík ÷kufhLke MkwrðÄk WÃk÷çÄ Au. økúknfkuLke {ktøkýeLku æÞkLk{kt ÷R y{ku ðÄwLku ðÄw MkwrðÄkÞwõík ÷kufMkoLke ÔÞðMÚkk fhðk «ÞíLkþe÷ Aeyu. ykÃkýe çkUf îkhk ÷uðkíkwt ÷kufh ¼kzw ½ýwt s rfVkÞíke nkuðkÚke íku{s çkUfLkk ÷kufh nku÷ ykÄwrLkf nkuðkÚke, ðÄwLku ðÄw økúknfku yk MkuðkLkku ÷k¼ ÷u Au.
rz{ux / ASBA Mkuðk :
çkUfLkku rz{ux rð¼køk 1999 Úke fkÞohík Au. çkUfLke 54 þk¾kyku îkhk rz{ux Mkuðk yÃkkÞ Au. çkUfLke ík{k{
þk¾kykuyuÚke nðu IPO/FPO {kt ¼hýwt ¼hðk ASBA Mkuðk
ykÃkðk{kt ykðu Au. ð»ko Ëhr{ÞkLk çkUfu ASBA Mkuðk {kxu 514364 yhSyku Mðefkhe níke.
ÃkkLkfkzo / økuMk rçk÷ f÷uõþLk Mkuðk :
çkUfLke ík{k{ þk¾kyku{kt RLf{xuûk Ãkh{uLkLx yufkWLx Lktçkh
(PAN) ytøkuLke yhSyku Mðefkhðk{kt ykðu Au. çkUf îkhk yËkýe økuMk rçk÷ f÷uõþLkLke Mkuðk Ãký yÃkkÞ Au.
E-Tax Mkuðk :
ykÃkýe çkUfLkk ¾kíkuËkhku, rðrðÄ Mkhfkhe ðuhkyku Mkh¤íkkÚke
¼he þfu yu {kxu rLk:þwÕf MkwrðÄk fkuÃkkuohuþLk çkUf íku{s IDBI çkUfLkk MknÞkuøkÚke ykÃkýe çkUf ykÃku Au. yk Mkuðk îkhk
RLf{xuûk, xe.ze.yuMk. S.yuMk.xe., fMx{ zâwxe, ESIC,
EPFO, r{÷fíkkuLkkt ðu[ký Ãkh xe.ze.yuMk. suðk ðuhkyku ¼hðkLke Mkøkðz Au. {kuxe MktÏÞk{kt çkUfLkk økúknfku yk MkuðkLkku ÷k¼ ÷u Au.
MxuBÃk £u®føk Mkuðk :
çkUfLke 52 þk¾kyku îkhk MxuBÃk £u®føk Mkuðk Mktíkku»kfkhf heíku ykÃkðk{kt ykðu Au. çkUfLke þk¾kyku îkhk LkkLke hf{Úke {ktze {kuxe hf{ MkwÄeLkk ík{k{ MxuBÃkLkwt £ufªøk fhe ykÃkðk{kt ykðu Au. Ëhuf þk¾k îkhk ze.yuMk.yu. îkhk Ãký MxuBÃk £ufªøkLke MkwrðÄk Ãkwhe Ãkkzðk{kt ykðu Au.
Mkk{kSf W¥khËkrÞíð :
çkU®føk «ð]r¥kLke MkkÚku, Mk{ks «íÞuLke sðkçkËkheLkk ¼køkYÃku çkUf îkhk yLkufrðÄ «ð]]]r¥kyku fhðk{kt ykðu Au, su{kt {kR¢ku VkÞLkkLMk, hõíkËkLk «ð]r¥k, Mkk{kSf / ykŠÚkf / þiûkrýf / ykhkuøÞ ûkuºku fk{ fhíke MktMÚkkykuLku ËkLk, íkusMðe rðãkÚkeoykuLku ÃkwhMfkh, rËðtøkík Mk¼kMkËkuLkk ykr©íkkuLku MknkÞ,
rðrðÄ rËðMkkuLke Wsðýe suðe «ð]r¥kykuLkku Mk{kðuþ ÚkkÞ Au. çkUfLkk çkkuzo ykuV rzhuõxMkoLkk MkÇÞku ykðe «ð]r¥kyku{kt nkshe ykÃke «kuíMkknLk ykÃku Au.
yLÞ Mkuðkyku :
yk WÃkhktík yLÞ Mkuðkyku Ãký çkUf îkhk ykÃkðk{kt ykðu Au. su{ fu xku÷£e Lktçkh, £e R-Mxux{uLx, £e yuMk.yu{.yuMk. yu÷xo, £e rz{ux Mxux{uLx ykuLk {kuçkkR÷, yufkWLx çku÷uLMk, yufkWLx Mxux{uLx, {kfuoxªøk yufkWLx {eMk fku÷ MkŠðMk. çkUfLkk økúknfku ÔÞkÃkf «{ký{kt yk MkuðkykuLkku ÷k¼ ÷u Au.
hõíkËkLk «ð]r¥k :
çkUfLke yk {nk{q÷e MkuðkfeÞ «ð]r¥kyku{kt þk¾k rðfkMk Mkr{ríkLkk MkÇÞ©eyku, çkUfLkk yrÄfkhe©e [tÿðËLk þwõ÷ yLku þk¾k {uLkusMko ¾qçk s «þtMkLkeÞ fk{økehe fhu Au. økík ð»ko Ëhr{ÞkLk yk fk{økehe{kt çkUfLke 51 þk¾kykuyu ¾qçk s «þtMkLkeÞ fk{økehe fhe níke. hõíkËkLk «ð]r¥kLku MkkiÚke rðþu»k {níð ykÃkðk{kt ykðu Au. çkUf{kt yk «ð]r¥kLku økríkþe÷ hk¾ðk hõíkËkLk fuBÃkku Þkusðk{kt ykðu Au su{kt f{o[kheyku íkÚkk økúknfku W{¤fk¼uh MknÞkuøk ykÃku Au. çkUfu økíkð»ko Ëhr{ÞkLk hõíkËkLkLkk 69 rþrçkh ÞkuS, 4861 ÞwrLkx hõík yufXwt fÞOw níkwt.
çkUf îkhk MkhfkhLke ðe{k ÞkusLkkykuLkwt y{÷efhý yLku ÷k¼ :
ònuh sLkíkkLkk ÷k¼kÚkuo ¼khík Mkhfkh îkhk ònuh fhkÞu÷e «ÄkLk{tºke Mkwhûkk ðe{k ÞkusLkk{kt (PMSBY) íkÚkk «ÄkLk{tºke SðLk ßÞkurík ðe{k ÞkusLkk{kt (PMJJBY) ykÃkýe çkUfu ¾qçk s hMk ÷R MðkÚko MkkÚku Ãkh{kÚkoLkwt ½ýwt s «MktþLkeÞ fkÞo fÞwO Au. PMSBY {kt ykÃkýe çkUfu 19406 økúknfkuLku íkÚkk PMJJBY {kt ykÃkýe çkUfu 12372 økúknfkuLku ykðhe ÷eÄk Au. yk çktLku ÞkusLkkyku Lke[u fw÷ 21 Ëkðkyku ÚkÞk Au suLke Ãkíkkðx fhe Ëuðk{kt ykðe Au yLku ÷k¼kÚkeoykuLku ðe{kLke hf{ [qfðe ËuðkR Au.
ykÃkýe çkUf îkhk Ãký ykÃkýe çkUf{kt çk[ík¾kíkw íkÚkk [k÷w ¾kíkw Ähkðíkk økúknfkuLku y{qf þhíkkuLku ykrÄLk ÃkMkoLk÷ yuõMkezLx ðe{kLkku ÷k¼ ykÃkðk{kt ykÔÞku Au. ð»ko Ëhr{ÞkLk yk ÞkusLkk nuX¤ 339013 økúknfkuLku ykðhe ÷uðk{kt ykÔÞk níkk yLku ðe{kLkwt r«r{Þ{ çkUf îkhk ¼hðk{kt ykÔÞwt níkwt. yk ðe{k nuX¤ 13 Ëkðk ÚkÞk níkk su{ktÚke çkÄks ËkðkykuLke Ãkíkkðx fhe Ëuðk{kt ykðe Au.
rðï {rn÷krËLkLke Wsðýe :
Mk{ks{kt {rn÷kykuLku rðrþü MÚkkLk yLku MkL{kLk «kó ÚkkÞ íku rð[khÄkhkLku æÞkLk{kt hk¾e, çkUf îkhk 8{e {k[o, 2018Lkk hkus rðï {rn÷k rËLkLke økkihð¼uh Wsðýe fhðk{kt ykðe níke. yk rËðMku çkUf îkhk yuf Mkur{Lkkh Þkusðk{kt ykÔÞku níkku. yk Mkur{Lkkh{kt çkUfLkk {rn÷k rzhuõxh yLku Mk{kht¼Lkk
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
16
{wÏÞ {nu{kLk ©e{íke ÃkqðeoçkuLk Ãkku¾heÞk÷u rðþk¤ MktÏÞk{kt WÃkÂMÚkík hnu÷ {rn÷kykuLku LkkýktfeÞ Mkkûkhíkk îkhk {rn÷kykuLkwt MkþÂõíkfhý fhðk çkUf MktfÕÃkçkØ Au íku{ sýkÔÞwt níkwt. fkÞo¢{{kt yríkrÚk rðþu»k íkhefu WÃkÂMÚkík hnu÷ Mkwhík BÞwrLkrMkÃk÷ fkuÃkkuohuþLkLkk “çkuxe çk[kðku yr¼ÞkLk”Lkk çkúkLz yuBçkuMkuzh fwt. ¼k»kkçkuLk ðk½kýeyu þÂõík íkÚkk íku{Lkk SðLkLke MkkÚkofíkk rð»ku {kLkLkeÞ yLku MkwtËh ðõíkÔÞ ykÃÞwt níkwt. yk fkÞo¢{Lkwt Mkt[k÷Lk çkUfLke {rn÷k f{o[kheykuyu MkwtËh yLku MkhMk heíku fÞwO níkwt. ykÃkýe çkUfLkk 500 Úke ðÄw {rn÷k Mk¼kMkËku, ¾kíkuËkhku, þw¼uåAfkuyu çknku¤e MktÏÞk{kt nksh hne fkÞo¢{Lku MkV¤íkk yÃkkðe níke. ykÃkýe çkUf îkhk {rn÷kykuLku rðþu»k ÷k¼ ykÃkðk {kxu nkWMkªøk ÷kuLk íkÚkk yußÞwfuþLk ÷kuLk rðþu»k hkník Ëhu ykÃkðk{kt ykðu Au.
Mk{ks «íÞu MktðuËLkk :
çkUfLkku Ëhuf økúknf çkUf {kxu yøkíÞLkwt ytøk Au. yk økúknf ©e{tík nkuÞ fu {æÞ{ ðøkoLkk nkuÞ íkuLku çkU®føk Mkuðk Ãkqhe Ãkkzðk{kt fkuR Ãký òíkLkku ¼u˼kð fu ÃkûkÃkkík ykÃkýe çkUf{kt hk¾ðk{kt ykðíkku LkÚke. çkUfLkk Ëhuf f{o[khe økúknfLke sYrhÞkík òýe íkuLku Mk{sðkLkku «ÞíLk fhu Au. ðÄw{kt ðÄw ÷kufkuLku çkU®føk Mkuðk MkkÚku Mkktf¤ðk nhnt{uþ «ÞíLkku fhu Au.
zkuLkuþLk :
rhÍðo çkUfLke Mkq[Lkk yLkwMkkh, çkUf Ëh ð»kuo [kuϾk LkVkLkk 1% sux÷e hf{, Mkk{kSf, þiûkrýf, ykhkuøÞ suðkt ûkuºkku{kt fk{ fhíke MktMÚkkykuLku ËkLk Ãkuxu ykÃke þfu Au. íkËT yLkwMkkh çkUfu ð»ko 2017-18 Ëhr{ÞkLk Y>.94,48,800/- Lkwt ËkLk rðrðÄ MktMÚkkykuLku ykÃÞwt níkwt. su{kt {wrLkMkuðk yk©{, økwshkík Mxux [eV {eLkeMxh he÷eV Vtz, Þw.yuLk.{nuíkk RLMxexâwx ykuV fkŠzÞku÷kuS yuLz heMk[o MkuLxh, yÃktøk {kLkð {tz¤, þuX yuLk.yuLk. MkkðosrLkf nkuÂMÃkx÷, zkp. Sðhks {nuíkk M{khf nuÕÚk VkWLzuþLk suðe LkkLke {kuxe 15 MktMÚkkykuLkku Mk{kðuþ ÚkkÞ Au.
þiûkrýf nuíkwMkhLkwt rÄhký :
Mk{ksLkk {æÞ{ ðøkoLkk ÷kufkuLkk MktíkkLkkuLku Wå[ rþûký {kxu MknkÞ¼qík Úkðk ykÃkýe çkUfu ykuAk ÔÞks Ëhu, þiûkrýf rÄhký ykÃkðkLkwt þY fÞwO níkwt, suLkku ÷k¼ ½ýk rðãkÚkeoykuyu ÷eÄku níkku. ð»ko 2017-18 Lkk ytíku 608 ¾kíkkuyku{kt ykþhu Y>.54.70 fhkuzLkwt rÄhký çkkfe Au. yíÞkhu çkUf îkhk MðËuþ{kt Wå[ yÇÞkMk {kxu Y>.10 ÷k¾Lkwt yLku ÃkhËuþ{kt yÇÞkMk {kxu Y>.50 ÷k¾Lkwt rÄhký 9.10% Úke 9.25% MkwÄeLkk ÔÞks Ëhu ykÃkðk{kt ykðu Au.
fk÷wÃkwh çkUf rþ»Þð]r¥k ÞkusLkk :
ykÃkýe çkUfLkk Mk¼kMkËku yLku f{o[kheykuLkk íkusMðe rðãkÚkeoykuLku «kuíMkknLk ykÃkðkLkk ykþÞÚke, íku{Lku rþ»Þð]r¥k ykÃkðkLke ÞkusLkk y{÷{kt Au. yk ÞkusLkkLke þhíkku yLkwMkkh, yuMk.yuMk.Mke., yu[.yuMk.Mke. íkÚkk MLkkíkf yLku yLkwMLkkíkf
Ãkheûkkyku{kt Mkkhk økwý {u¤ðíkk rðãkÚkeoykuLku, rþ»Þð]r¥k ykÃkðk{kt ykðu Au. ð»ko 2017-18 Ëhr{ÞkLk, çkUfu fw÷ 183 rðãkÚkeoykuLku Y>.5,42,683 Lke rþ»Þð]r¥k ykÃke Au.
Mk¼kMkË MknkÞ ÞkusLkk :
çkUfu, íkuLke Mkk{kSf sðkçkËkheLkk ¼køkYÃku çkUfLkk rËðøktík Úkíkk Mk¼kMkËkuLkk ykr©íkkuLku {ËË fhðkLkk W{Ëk ykþÞÚke, ð»ko 1997 Úke Mk¼kMkË MknkÞ ÞkusLkk y{÷{kt {qfe Au. yk ÞkusLkk ytíkøkoík, ð»ko 2017-18 Ëhr{ÞkLk rËðtøkík ÚkÞu÷k 352 Mk¼kMkËkuLkk ÃkrhðkhsLkkuLku, yk ÞkusLkk nuX¤ çkUf ð»ko Ëhr{ÞkLk Y>.35,20,000/- Lke MknkÞ [qfðe Au.
rËðtøkík ÚkÞu÷k Mkðuo Mk¼kMkËkuLkk ykí{kLku Ãkh{kí{k r[hþktrík yÃkuo íkuðe çkkuzo ykuV rzhuõxMko «kÚkoLkk fhu Au.
þk¾k rðfkMk Mkr{ríkykuLke fk{økehe :
çkUfLke økúknf Mkuðk{kt W¥khku¥kh MkwÄkhku ÚkkÞ íku {kxu íkÚkk çkUfLku Mk{ksLkk «ríkrcík {nkLkw¼kðkuLkk yLkw¼ð yLku MktçktÄkuLkku ÷k¼ {¤u íkuðk ykþÞÚke, çkUfu þk¾k rðfkMk Mkr{ríkykuLke h[Lkk fhe Au su {kuxk¼køkLke þk¾kyku{kt fkÞohík Au. yk Mkr{ríkykuLke r{xªøkku ÷øk¼øk Ëh çku / ºký {rnLku {¤u Au su{kt çkUfLkk rzhuõxh©e íkÚkk yLkw¼ðe yrÄfkheyku nkshe ykÃku Au. r{xªøk{kt MkÇÞku íkhVÚke {¤íkkt Mkq[Lkku Ãkh ykð~Þf fk{økehe fhðk{kt ykðu Au. Mkr{ríkLke r{xªøkku{kt {¤íkkt Mkq[LkkuÚke, çkUfLkk fk{{kt økríkþe÷íkk ykðu Au. Mkr{ríkLkk MkÇÞkuLke yuLk.Ãke.yu. ÚkÞu÷k ¾kíkkyku{kt ðMkq÷kík{kt Ãký õÞkhuf {ËË ÷uðkÞ Au. Mkr{ríkLkk MkÇÞku íkhVÚke {kfuox RLxu÷esLMkLkk fk{{kt Ãký sYh Ãkzu {ËË ÷uðkÞ Au. íkËTWÃkhktík çkUf íkuLke MkuðkykuLkku ÔÞkÃk ðÄkhðk þk¾kyku{kt økúknf r{÷Lk Mk{kht¼ Þkusu Au. yk fkÞo¢{ku{kt Ãký þk¾k rðfkMk Mkr{ríkykuLkk r¢Þkþe÷ MkÇÞkuyu Mkr¢Þ nkshe ykÃke y{Lku «kuíMkkrník fhu Au. çkUfLkwt çkkuzo ykuV rzhuõxMko yk Mkðuo MkÇÞkuLkku íku{Lke {kLkËT Mkuðk çkË÷ ¾qçk ¾qçk yk¼kh {kLku Au yLku ðÄw Mkr¢Þ Vk¤ku ykÃkðk rðLktíke fhu Au.
çkutfLku {¤u÷k yuðkuzTÍo :
ð»ko ËhBÞkLk Mkw«rMkØ çkU®føk {uøkuÍeLk “çkU®føk £LxeÞh” îkhk ykÃkýe çkUfLku [kh ÃkwhMfkh «kó ÚkÞu÷ Au.
1. çkuMx NPA {uLkus{uLx
2. çkuMx økúeLk RLkeMkeyuþLk
3. VeLkkLMkeÞ÷ r÷xhMke
4. çkuMx fMx{h yuõðeSþLk
WÃkhktík hõíkËkLk ûkuºku fhu÷ Lk{wLkuËkh fk{økehe çkË÷ RLzeÞLk huz¢kuMk MkkuMkkÞxe-y{ËkðkË rzMxÙeõx çkúkt[ îkhk ykÞkursík yuðkuzo Mk{kht¼{kt ykÃkýe çkUfLku “ðuÕÞwyuçk÷ ÃkkxoLkh yuLz ykWx MxuLzªøk fuBÃk ykuøkuoLkkRÍh”, Lkku ð»ko 2017-18 Lkku yuðkuzo økwshkík hkßÞLkk hkßÞÃkk÷ {kLkLkeÞ©e yku. Ãke. fkun÷eSLkk nMíku {¤u÷ Au.
th48 Annual Report 2017-2018
17
{kfuo®xøk rð¼køkLke fk{økehe:
«ÄkLk{tºke ykðkMk ÞkusLkk nuX¤ MkwtËh fk{økehe fhðk çkË÷ Mkíkík çkeò ð»kuo Ãký 2017-18 Lkk ð»ko {kxu ¼khíkLke ík{k{ Mknfkhe çkUfku Ãkife Võík ykÃkýe çkUfLku Lkk{ktfeík fhðk{kt ykðu÷ yLku MkuLxÙ÷ fuçkeLkux {eLkeMxh, nkWMkªøk yLku yçkoLk yuVMko ©e nhrËÃkMkªøk ÃkwheLkk þw¼ nMíku Lkðe rËÕne ¾kíku ÞkuòÞu÷ Mk{kht¼{kt yuðkuzo yuLkkÞík fhðk{kt ykðu÷ Au.
yk WÃkhktík {kfuoxªøk rð¼køk îkhk MxuBÃk £u®føk Mkuðk{kt ze.yuMk.yu. rLk{ýqtf, nwzfku MkçkMkeze, økwshkík nkWMketøk çkkuzo MkkÚku xkEyÃk, ÃkMkoLk÷ yufMkezLx ðe{ku, sLkh÷ ELMÞwhLMk, ÷kEV ELMÞwhLMk yLku MSME Meet, fMx{h {ex suðk 47 EðuLx ð»ko ËhBÞkLk fhðk{kt ykðu÷ Au. íku{s 2017-18Lkk ð»ko{kt MkçkMkeze {kxu Ãkkºkíkk Ähkðíke nkWMkªøk ÷kuLkLkk 238 ÷k¼kÚkeoykuLku Yk. 5.16 fhkuzLke MkçkMkeze hf{Lkku ÷k¼ yÃkkðu÷ Au. yk{, Mk½Lk {kfuo®xøk îkhk Ëhuf økúknfLku çkUfLke rðrðÄ «kuzõxTMk Mk{òððk çkË÷ çkUfLkk [eV zuð÷kuÃk{uLx ykurVMkh ©e Äe{tíkhkuÞ íkwh¾eÞk yLku íku{Lke {kfuo®xøk xe{Lku çkkuzo yr¼LktËLk ÃkkXðu Au.
{kLkð MktþkÄLk rðfkMk yLku fkiþÕÞðÄoLk :
ykÃkýe çkUfLke {uLkus{uLx çkUfLkk {kLkð MktþkÄLkLku çkUfLke «økrík{kt {níðLkwt ÞkuøkËkLk ykÃkíkk ytøk íkhefu Mðefkhu Au. ykÚke f{o[kheykuLkk WíMkknLku ò¤ðe hk¾ðk íku{Lku Mktíkku»kfkhf ðuíkLk, yLÞ Mkøkðzku, WíÃkkËfíkk MkkÚku Mktf¤kÞu÷ çkkuLkMk, «{kuþLk, yuðkuzTÍo, RLkk{, «{kýÃkºkku ðøkuhu ykÃku Au. ð»ko{kt yuf ð¾ík f{o[kheykuLku MknÃkrhðkh yk{trºkík fhe, íku{Lkwt ònuh fkÞo¢{{kt MkL{kLk fhðk{kt ykðu Au. f{o[kheykuLkkt çkk¤fkuLku Ãký íku{ýu {u¤ðu÷e rðþu»k rMkÂæÄ çkË÷ ÃkwhMf]ík fhðk{kt ykðu Au.
çkUfLkk f{o[kheykuLke ÷u¾Lk ûk{íkkLku «kuíMkkrník fhðk çkUf nkWMk sLko÷ “f{oÛÞ” «fkrþík fhu Au. çkUfLkwt nkWMk sLko÷, yuLkk {krníkeMk¼h ÷u¾ yLku yLÞ rðrðÄíkkykuLku fkhýu ðk[fkuLku ½ýwt s WÃkÞkuøke çkLÞwt Au. çkkuzo ykuV rzhuõxMko íkuLkk MktÃkkËf {tz¤Lku yr¼LktËLk ykÃku Au. çkUfLkk ÃkwMíkfk÷Þ{kt
rðrðÄ rð»kÞkuLkkt ÃkwMíkfku, Mkk{krÞfku, ðíko{kLkÃkºkku, Tabloids ðøkuhu ðMkkððk{kt ykðu Au. çkUfLkk f{o[kheykuLke ðkt[Lk «íÞu Yr[ ðÄkhðk f{o[kheykuLkk ½hu y¾tz ykLktË / sLk fÕÞký suðkt Mkk{rÞf ÃknkU[kzðk çkUf îkhk ÷ðks{ ¼hðk{kt ykðu÷. çkUfLkk ¼qíkÃkqðo f{o[kheyku MkkÚkuLkku MktçktÄ Sðtík hnu íku {kxu çkUf LkkLkk {kuxk fkÞo¢{ku{kt íku{Lku yk{trºkík fhu Au.
çkUf îkhk JAIIB / CAIIB Ãkheûkk {kxu rLk:þwÕf ðøkkuo [÷kððk{kt ykðu Au suLkku ÷k¼ ykÃkýe çkUfLkk f{o[kheyku WÃkhktík yLÞ çkUfkuLkk ½ýkt f{o[kheyku ÷u Au. ð»ko Ëhr{ÞkLk
ykÃkýe çkUfLkk 34 f{o[kheykuyu JAIIB, 14 f{o[kheykuyu
CAIIB, 23 f{o[kheykuyu AML-KYC íku{s 2 f{o[kheykuyu
VkuhuLk yuõMk[uLs ykuVeMkhLke, 2 f{o[kheykuyu ykR.xe. MkeõÞwhexe, 3 f{o[kheykuyu zeSx÷ yu{yuMkyu{R íkÚkk Mke.Mke.yku. Ãkheûkkyku ÃkkMk fhe Au. yk heíku fkiþÕÞ «kó fhu÷k f{o[kheyku îkhk çkUf økwýð¥kkÞwõík økúknf Mkuðk ykÃke þfu Au.
çkkuzo ykuV rzhuõxMkoLkk MkÇÞ©e fu.fu. Ãkxu÷Lke Mkuðkyku :
çkUfLkk çkkuzo ykuV rzhuõxMkoLkk MkÇÞ©e ¾kuzk¼kR fu. Ãkxu÷ íku{Lke ÔÞMíkíkkLku fkhýu çkUfLku íku{Lke Mkuðkyku ykÃke þfu íku{ Lk nkuðkÚke íkk.12-04-2018Lkk hkus hkSLkk{wt ykÃku÷ Au, suLku çkkuzo ykuV rzhuõxMko©eLke íkk. 17-04-2018Lke {exªøk{kt MkðkoLkw{íku Mðefkhu÷ Au.
©e ¾kuzk¼kR fu. Ãkxu÷ yu rzhuõxh íkhefu MkLku 2002-2003Lkk ð»koÚke Mkíkík 16 ð»ko MkwÄe çkUfLku ÃkkuíkkLkku ®f{íke Mk{Þ Vk¤ðeLku Mkuðkyku ykÃke Au. çkkuzoLkk MkÇÞ íkhefu íku{ýu ÃkkuíkkLkk rðþk¤ yLkw¼ðÚke çkUfLku sYhe {køkoËþoLk ykÃku÷ Au. yk WÃkhktík çkUfLke rðrðÄ fr{xeykuLkk MkÇÞ íkhefu hne íkuyku©eyu ÃkkuíkkLkk çknku¤k yLkw¼ðÚke ¾qçk s WÃkÞkuøke {køkoËþoLk ykÃku÷ Au.
íkuyku©eLkk rðþk¤ MktçktÄkuyu çkUfLkk ÄtÄkLkk rðfkMk {kxu ¾qçk s WÃkÞkuøke hnu÷ Au.
çkUfLkwt çkkuzo ykuV rzhuõxMko íku{Lke yk MkuðkykuLke LkkUÄ ÷R yk¼kh ÔÞõík fhu Au.
©e rfhex¼kR hk{¼kR Ãkxu÷Lke fku-ykuÃx rzhuõxh íkhefu rLk{ýqtf:
©e rfhex¼kR hk{¼kR Ãkxu÷ {nuMkkýk rsÕ÷kLkk fze økk{Lkk ðíkLke Au, suyku nk÷{kt y{ËkðkË{kt hnu Au. íkuyku©e LkrzÞkËLke òýeíke yuLSLkeÞhªøk fku÷us, Ä{o®Mkn ËuMkkR RLMxexâwx ykuV xufLkku÷kuS{ktÚke fur{f÷ yuLSLkeÞh ÚkÞk Au. {uMkMko fkuh÷ Vk{ko fur{f÷ r÷. Lkk íkuyku©e {uLkuStøk rzhuõxh Au. fur{f÷ yuLSLkeÞhªøk ûkuºku, ¾kMk fheLku Ãkku÷e{h xufLkku÷kuS ytøku íkuyku©e Ÿzw ¿kkLk Ähkðu Au. íkuyku©eyu ykÃkýe çkUf{kt çkkuzo ykuV rzhuõxMkoLke r{xªøk{kt yk{trºkík íkhefu nksh hne çkUfLkwt RLzMxÙeÞ÷ rÄhký ðÄkhðk íku{Lkk çknku¤k yLkw¼ð yLku MktÃkfkuoLkku ÷k¼ çkUfLku ykÃku÷ Au. íkuyku©eyu çkUf{kt rzhuõxh çkkuzo{kt yk{trºkík MkÇÞ íkhefu ykÃku÷ MkuðkykuLku æÞkLk{kt ÷R íkk.17-04-2018 Lkk hkus {¤u÷ çkkuzo ykuV rzhuõxMkoLke Mk¼k{kt Ãkuxk rLkÞ{ 34 (ze) {wsçk fku-ykuÃx rzhuõxh íkhefu MkðkoLkw{íku íkuyku©eLke rLk{ýqtf fhðk{kt ykðu÷ Au.
©Øktsr÷ :
çkUfLkk ¼qíkÃkqðo rzhuõxh©e rðê÷¼kR nu{ËkMk Ãkxu÷Lkwt íkk.06-04-2018Lkk hkus y{uhefk {wfk{u yðMkkLk ÚkÞu÷ Au. íkuyku©e 9 ð»ko MkwÄe rzhuõxh ÃkËu hÌkk níkk. çkUfLke çkkuzoLke {exªøk{kt íku{Lke nkshe Mk¢eÞ hnuíke níke.
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
18
íkËTWÃkhktík, çkUfLke fk÷wÃkwh þk¾k{kt fk{ fhíkk f{o[khe ¼kR©e Ëuðktøk¼kR ÄŠ{c¼kR ËðuLkwt yfk¤ yðMkkLk ÚkÞu÷ Au. íkuyku ¾qçk s yLkw¼ðe yLku r[ðxÚke fk{ fhLkkhk yrÄfkhe níkk.
yk Mkðuoyu çkUfLku ykÃku÷e MkuðkykuLke LkkUÄ ÷R, çkUfLkwt çkkuzo ykuV rzhuõxMko, íkuykuLkk ykí{kLku Ãkh{kí{k r[hþktrík yÃkuo íkuðe «kÚkoLkk fhu Au.
yk¼kh ËþoLk :
çkUfLkk fkÞoûk{ ðneðx{kt {ËËYÃk ÚkLkkh íkÚkk çkUfLku «økríkLkk Lkðkt MkkuÃkkLk Mkh fhðk{kt MknkÞ¼qík ÚkLkkh Mk¼kMkËku, økúknfku, þw¼uåAfku yLku f{o[kheøkýLkku çkkuzo ykuV rzhuõxMko ytík:fhýÃkqðof yk¼kh {kLku Au.
çkUfLkk Mkt[k÷Lk{kt MknkÞ¼qík ÚkLkkh rhÍðo çkUf ykuV RÂLzÞkLkk rhSÞkuLk÷ rzhuõxh©e su. fu. ËkMk, rhÍðo çkUfLkk rzÃkkxo{uLx ykuV fku-ykuÃkhuxeð çkUõMk MkwÃkhrðÍLkLkk [eV sLkh÷ {uLkush ©e ykh.yuMk. þ{ko, fku-ykuÃkhuxeð çkUõMk MkwÃkhrðÍLk rzÃkkxo{uLx, y{ËkðkËLkk sLkh÷ {uLkush, ©e ðe. htøkkhkð, VkuhuLk yuõMk[uLs rzÃkkxo{uLxLkk zuÃÞwxe sLkh÷ {uLkush©e ykh. fu. çk{oLk, MkuLxÙ÷ hSMxÙkh, fku.ykuÃk. MkkuMkkÞxeÍ Lkðe rËÕneLkk ©e ykþe»k¼kR ¼wxkLke, økwshkík hkßÞLkk Mknfkh ¾kíkkLkk hSMxÙkh©e Lk÷eLk¼kR WÃkkæÞkÞ økwshkík yçkoLk fku.ykuÃk. çkUõMk VuzhuþLkLkk [uh{uLk ©e ßÞkuríkLÿ¼kR {nuíkk, y{ËkðkË Mkexe yuLz rzMxÙeõx fku.ykuÃk. çkUõMk yuMkkuMkeyuþLkLkk [uh{uLk©e Lk÷eLk¼kR Ãkxu÷, økwshkík Mxux fku.ykuÃk. çkUf íkÚkk y{ËkðkË rzMxÙeõx fku. ykuÃk. çkUf r÷. Lkk [uh{uLk ©e ysÞ¼kR Ãkxu÷Lkku, íku{ýu ykÃku÷k Mknfkh çkË÷ çkkuzo yk¼kh {kLku Au.
ykÃkýe çkUfLkk hkusçkhkusLkk fk{{kt {ËË fhíke MktMÚkkyku suðe fu SEBI, NSDL íkÚkk yLÞ çkUfku suðe fu ËuLkk çkUf, çkUf ykuV çkhkuzk, Mxux çkUf ykuV RÂLzÞk, HDFC çkUf, ICICI çkUf, fkuÃkkuohuþLk çkUf, ÞwrLkÞLk çkUf ykuV RÂLzÞk, MkuLxÙ÷ çkUf ykuV
RÂLzÞk, IDBI çkUf, SIDBI, ECGC, FEDAI, CCIL, NPCI, IBA
íkÚkk rðËuþe çkUfku suðe fu HABIB Bank, Commerz Bank, Bank
of Novaskotia ðøkuhuLkk yrÄfkheykuLkku yk «Mktøku çkkuzo yk¼kh {kLku Au.
çkUfLkk Mkðuo ykurzxMko, MxuåÞwxhe ykurzxMko, ÷eøk÷ yuzðkRÍMko, ðuÕÞwyMko yuzðkufuxTMk MkðuoLkku yk «Mktøku yk¼kh {kLkeyu Aeyu. ¾kMk fheLku çkUfLkk r÷øk÷ yuzðkRÍh©e h{uþ¼kR çkkhkux, ©e rníkuþ¼kR þkn, ©e síkeLk¼kR þuX íkÚkk ©e LktËeþ¼kR [wzøkhLkku ð»ko ËhBÞkLk íku{ýu ykÃku÷ Mknfkh çkË÷ çkkuzo yk¼kh {kLku Au.
çkUfLkk «kuVuþLk÷ yLku ÃkkhËþof Mkt[k÷Lk íkÚkk rðfkMk{kt Mkíkík MkkÚk ykÃkLkkh çkUfLkk çkkuzo ykuV rzhuõxMkoLkk Mkðuo MkÇÞ©eykuLkku y{u ytík:fhýÃkqðof yk¼kh {kLkeyu Aeyu.
çkUfLke fk{økehe{kt nt{uþk MknkÞYÃk Úkíkk [uh{uLk yu{urhxTMk ©e ytçkw¼kR Ãkxu÷, ðkRMk [uh{uLk©e r{Lkuþ¼kR Ãkxu÷, yu{.ze. ©e Ãke.yuV.¼Y[kLkku y{u Éý Mðefkh fheyu Aeyu. çkUfLkk ykurzx/RLMÃkuûkLkLkk fk{fks{kt íkÚkk Human Resources
Management Lke fk{økehe{kt y{qÕÞ ÞkuøkËkLk ykÃkðk çkË÷, [kxozo yufkWLxLx yLku çkUfLkk «kuVuþLk÷ rzhuõxh©e fkirþf¼kR Ãkxu÷Lke íkÚkk çkUfLkk RLVh{uþLk xufLkku÷kuS MktçktÄe fk{fks{kt y{qÕÞ Mk÷kn ykÃkðk çkË÷ zkÞhuõxh©e rfhex¼kR Ãkxu÷Lkku, CA ©e fuíkw÷¼kR Ãkxu÷ íkÚkk ©e hkrn÷¼kR Ãkxu÷Lke MkuðkykuLke çkkuzo Mkk¼kh LkkUÄ ÷u Au.
çkUfLke r«{kRMkeMk yuLz RõðeÃk{uLx fr{rxLkk MkÇÞ íkhefu Mkuðkyku ykÃkíkk rzhuõxh©e nMk{w¾¼kR Ãkxu÷ rzhuõxh©e fu. fu. Ãkxu÷ íkÚkk rzhuõxh©e rçkÃkeLk¼kR þkn íkÚkk rzhuõxh©e ¼÷k¼kR Mke.Ãkxu÷Lke MkuðkykuLke çkkuzo Mkk¼kh LkkUÄ ÷u Au. íkËTWÃkhktík çkUfLkk nt{uþk rník®[Ëf Ãkqðo MkktMkË©e MkwhuLÿ¼kR Ãkxu÷ yLku Mke.yu. ©e rLkÃk{¼kR þknu ð»ko Ëhr{ÞkLk ykÃku÷ Mk÷kn Mkq[Lkku çkË÷ çkkuzo yu{Lkku yk¼kh {kLku Au. çkUf îkhk MSME ûkuºku rÄhký ðÄkhðkLke fk{økehe{kt y{qÕÞ ÞkuøkËkLk ykÃkðk çkË÷ rzhuõxh©e ytçkh¼kR Ãkxu÷ íkÚkk ©e rfhex¼kR Ãkxu÷Lkku íku{s çkUfLkk fk{fks{kt y{qÕÞ Mk÷kn Mkq[Lk ykÃkðk çkË÷ zkp. rËLkuþ¼kR yu{. y{eLkLke, íku{s Mkw©e ÃkqðeoçkuLk Ãkku¾rhÞk÷Lke, ©e{íke {kÄðeçkuLk Ãkxu÷Lke íkÚkk {kR¢ku VkÞLkkLMk ûkuºku Mkuðkyku ykÃkíkkt ©e{íke r{¥k÷çkuLk Ãkxu÷Lke MkuðkykuLke çkkuzo Mkk¼kh LkkUÄ ÷u Au. þk¾k rðfkMk fr{rxykuLkk Mkðuo MkÇÞ©eykuyu ykÃku÷ MkuðkykuLke çkkuzo MkhknLkk fhu Au.
çkUfLkk çkkuzo ykuV rzhuõxMkoLkk Mkr[ð©e {nuLÿ¼kR Ãkxu÷, sLkh÷ {uLkush©e rðLkku˼kR ËkË÷kýe, ðrhc yrÄfkheyku Mkrník ík{k{ yrÄfkheøký, þk¾k {uLkushku íkÚkk Mkðuo f{o[kheøkýu rLkck yLku ðVkËkheÃkqðof fhu÷e fk{økeheLke fËhÃkqðo LkkUÄ ÷R MkðuoLku ÄLÞðkË ykÃkeyu Aeyu.
çkUfLkwt çkkuzo ykuV rzhuõxMko, ðíko{kLkÃkºkku, Mkk{krÞfku yLku xe.ðe. r{zeÞkLkku íku{ýu ykÃku÷k Mknfkh çkË÷ yk¼kh ÔÞõík fhu Au.
çkUfLkku rðfkMk ykÄwrLkf rð[khÄkhk yLku Ãkrhýk{÷ûke çkU®føkLkk MktfÕÃk MkkÚku ÚkR hÌkku Au. y{khku ykþÞ fkÞoûk{ yLku økúknf÷ûke ðÄwLku ðÄw Mkuðkyku ykÃke «økríkLkk ÃktÚk Ãkh ÍzÃkÚke fq[ fhðkLkku Au. y{u ykþk hk¾eyu Aeyu fu ykÃk MkðuoLkku nkŠËf MknÞkuøk çkUfLku MkËkÞ {¤íkku s hnuþu.
ykÃk MkðuoLkku ÃkwLk: yk¼kh,
ykLkku ¼ÿk¢íkðku ÞLíkw rðïík:
y{Lku Mkðuo rËþkykuÚke þw¼ rð[khku «kÃík Úkkyku !!
çkkuzo ykuV rzhuõxMko ðíke,
LkðLkeík¼kR Mke. Ãkxu÷, [uh{uLk.19
th48 Annual Report 2017-2018
Dear, Share Holders Brothers and Sisters
We, the Board of Directors, have great pleasure in
presenting 48th Annual Report on the business and
operations of the bank along with Annual accounts,
the Statutory Auditors’ Report and details of
activities done by our bank for the year 2017-18.
Bank’s performance during the year 2017-18 -
Total Business mix of ` 10399 Crores
During the year, the performance of our bank in the
area of deposit, advances and profitability was
satisfactory. Bank’s total business has reached to
` 10399 crore at the end of the year 2017-18.
Share Capital, Reserves and Capital
Adequacy Ratio
Bank’s authorized share capital is ` 125 crore. As
against this, bank’s paid up share capital is at ` 88.05
In the financial year 2017-18, the bank has achieved
satisfactory results in the challenging environment
through concerted support & co-operation of all the
Board members, shareholders, well wishers,
customers and staff members.
Out of 56 branches, 37 branches have crossed a
business mix of ` 100 crore, of which 17 branches
have crossed business mix of ` 200 crore. 25
branches have deposits above ` 100 crore and 6
branches have advances above ` 100 crore. Ashram
Road branch with deposits of ` 675 crore and SME &
Mid Corporate branch with advances of ` 1005 crore
rank first.
Board of Directors convey appreciation to employees
and officers of these branches.
crore as at the end of the year 2017-18 which shows
an increase of 0.80 % over the previous year. Total
number of members stood at 51712. Bank has
advised all members of our bank to provide their
BOARD OF DIRECTORS’ REPORT
Item 2016-17 2017-18 % change
Share capital 87.35 88.05 (+) 0.80
Membership 53817 51712 (-) 3.91
Reserves 1017.34 1121.41 (+) 10.23
Deposits 6249.82 6495.90 (+) 3.94
Advances 4221.19 3903.39 (-) 7.53
Investments (including Govt. Securities 2879.07 3473.26 (+) 20.63
and Bank deposits)
Working Capital 7705.66 8102.13 (+) 5.15
Net profit 85.82 110.24 (+) 28.45
Gross income 651.34 690.21 (+) 5.97
Gross Expenses 504.07 498.26 (-) 1.15
Credit / deposit ratio 67.54% 60.09% (-) 11.03
CRAR 16.88% 16.73% (-) 0.89
Gross NPA 61.98 70.56 (+) 13.84
(1.47%) (1.81%)
Net NPA 0.00 0.00 -
Key Financial Indicators of the Bank
(Rs. in Crore)
20
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
KYC by sending individual letters, publishing the
same in Annual Report, local newspaper, displaying
the notices on Notice board of the branches etc.
Even after that, several members have not provided
their KYC and therefore bank has cancelled their
membership which has resulted into decrease in
total number of members. Bank has also intimated
shareholders of merged banks to provide KYC by
sending individual letters, publishing the same in
Annual Report, local newspaper, displaying the
notices on Notice board of the branches etc. Even
after that several members have not provided their
KYC and therefore merged bank’s share capital which
was reflected under Head of “Other Liabilities” in the
Balance sheet is transferred to “Capital Reserve
Fund”. Udhna Citizen Co Op. bank Ltd. is merged
with our bank. At the time of merger, said bank was
incurring losses. As per merger scheme approved by
Reserve Bank of India, if ` 5.00 Crores from
Unrecoverable advance is recovered then only share
capital amount was to be returned to those
shareholders of Udhna Citizen Co Op. bank Ltd who
comply KYC norms. Since ` 5.00 Crores as per
Merger scheme was not recovered, share capital
lying under Head of “Other Liabilities” is transferred
to “Share Capital Reserve Fund”.
Bank’s Total reserves stood at ` 1121.41 crore at the
end of the year registering growth of 10.23%. The
CRAR of the bank stood at 16.73 %. This can be
considered quite satisfactory as compared to 9%
benchmark prescribed by RBI.
Thus, continuous increase in share capital, increase in
bank’s reserves and satisfactory CRAR are indicators
of sound and professional administration of our
bank.
Growth in Deposits – Total deposits
` 6495.90 crore, growth of 3.94 %
At the end of the year, bank’s deposits have reached
to ` 6495.90 crore with growth of 3.94%. Reserve
Bank of India has cut Repo rate by 0.25% in August
2017 and therefore banks have reduced interest
rates of deposits. This has resulted into decrease in
overall deposits of the bank as depositors shifted
their investment from deposits to Mutual Funds,
Insurance, alternate avenues of investment. Despite
this, banks’ deposits have grown. Bank’s CASA
deposits stood at ` 2039.56 crore, forming 31.40% of
total deposits. Board of Directors believes that
profitability of the bank depends mainly upon CASA
deposits. Hence entire Board and staff members put
in continuous efforts for increase in CASA deposits.
As a result, 42766 new savings accounts and 4353
new current accounts were opened during the year.
Bank extends several benefits to premium / privilege
/ special type savings / current account holders.
Bank extends various services like mobile banking,
internet banking, free debit cards, various insurance
schemes of Government and other technology
supported services due to which customer base of
the bank has increased. Bank lays immense
importance to Excellent customer service. Board of
Directors request members and well-wishers to
extend full support for contribution in increasing
customer base.
Our bank regularly pays premium on deposits to
Deposit Insurance and Credit Guarantee Corporation
(DICGC) and comply with extant guidelines of the
Reserve Bank of India.
Total Advances – ` 3903.39 crore
Various efforts made by certain branches for
increasing advances are appreciable. Bank’s Mumbai
based branches, Kalbadevi and Andheri had LC bill
discounting business of ` 924.93 crores as on
31.03.2017 which has reduced to ` 81.40 crores on
31.03.2018. Considering various risks associated with
LC bill discounting as well as low yield in LC bill
discounting advances, bank has given priority to
Regular advances. Regular advances excluding LC
bill discounting advances have increased from
` 3296.24 Crores as on 31.03.2017 to ` 3821.99
Crores as on 31.03.2018 thus achieving growth of
15.97%. There has been considerable growth in
Bank’s Cash credit and Term loan type of advances.
Thus despite of decrease of ` 843.53 Crores in LC bill
discounting Advances, total advances of the bank
has reached to ` 3903.39 Crores which shows
21
th48 Annual Report 2017-2018
negligible decrease in advances as compared to
previous year advances of ` 4221.19 Crores.
As a result of reduction in advances, Credit deposit
ratio of the bank has reached to 60.09% which was
67.54% in previous year. With a view to increase
advances, bank has already started efforts from
beginning of the financial year. Bank also provides
various retail loans like Home loan, Car loan,
Education loan at attractive interest rates. Bank
expects considerable growth in advances during
Current Financial Year by putting all efforts by staff
members, Board members and seeks support from
members and customers.
Bank is charging very competitive interest rates on
advances, the benefit of which is availed by many
customers. The MSME sector in our country plays
vital role in economic development and employment
generation. Bank is, therefore arranging meetings of
entrepreneurs of this sector to increase MSME
advances. Moreover Agro based industries are
offered concession in interest rate on advances. Bank
extends Housing finance at very attractive rate of
interest. Apart from that, bank also offers various
retail products at very attractive interest rates. The
borrowers having better credit rating are given
concession in interest rate under Credit Rating
scheme introduced since last few years. The rating
scheme is modified so as to make it more beneficial
to the customers. The staff at branch level, officers
and executives of Head Office, the officials of
marketing department and the members of Board of
Directors, all associated in the process of grant of
advances; ensure careful scrutiny of credit proposals.
Bank makes continuous efforts to maintain quality of
advances and avoid the accounts to fall into NPA
category. The Board of Directors congratulates all
those who are involved in this work.
Priority sector advance
As per RBI guidelines, UCBs have been given target
to achieve Priority Sector Advances @ minimum 40%
of their Adjusted Net Bank Credit and 10 % advances
to Weaker section. Accordingly, our bank’s advances
to Priority sector constitutes 43.77% at the end of
the year 2017-18, which was 48.34% at the end of
previous year. The weaker section advances are
6.31% of Adjusted Net Bank Credit, as compared to
previous year of 6.45%. Bank has been making
sincere efforts to increase finance to Weaker
Sections.
To increase Weaker Section advances, bank has
established a separate MICRO Credit Division and
certain potential centers like Bapunagar, Nikol,
Memco, Vadaj in Ahmedabad and Udhna
Udyognagar in Surat have been identified to
increase Micro credit advances. Bank has started
Mobile Van to provide door step services to such
weaker section of the society. Mobile Van is
providing banking services at Behrampura,
Majurgam, Dani Limda, Parishitnagar, Bhudarpura,
Ramdevnagar etc.
Finance to MSME sector
Our bank has been focusing on increasing MSME
advances. Accordingly, sincere efforts are being
made to increase finance to this sector. Bank has
selected fourteen branches in the industrial areas for
extending finance to MSME units. Bank’s finance to
this sector has reached to ` 1473 crore. To increase
MSME advances, bank is regularly conducting
customer meets and revising products based on
customers’ feedback.
Micro credit – Women Empowerment
Since last few years, our bank has taken various steps
to increase Micro Credit Advance and thereby
supports Weaker Section of the society to avail
affordable finance and upliftment of their social
wellbeing. A separate Division has been formed in
the bank for systematic planning and focused
attention on micro credit. Major beneficiaries of
micro credit are women and such advances provide
them employment opportunities as well as support
their families. Due to such advances, standard of
living of women beneficiaries has improved and they
have become financial literate. This is a forward step
towards women empowerment. During the year
2017-18, bank has extended finance of ` 6.29 Crore
to 2321 women beneficiaries. Since 2012, Bank has
extended finance of ` 23.18 Crore to more than 9700 22
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
beneficiaries. The organizations such as Vicharta
Samuday Samarthan Manch and Jyoti Sangh,
working for the empowerment of women help our
bank in this work.
Managing Trustee of Vicharta Samuday Samarthan
Manch, Smt. Mittalben Patel and her co-workers help
bank in extending Micro credit finance and ensuring
timely recovery.
The Board of Directors conveys appreciation to the
employees / field workers involved in this work and
advises them to ensure that the advances portfolio
under this category remains healthy.
Non Performing Assets (NPAs) – Gross NPAs
– 1.81%, Net NPAs – 0.00%
When the entire banking industry in our country is
facing problem of considerable increase NPAs, Gross
NPA of our bank has reached to ` 70.56 Crore at the
end of the year 2017-18 which is only 1.81% of total
advances. (It also includes NPA of erstwhile merged
banks with our bank). Our bank has recovered ` 38
Crore in NPA accounts.
As per RBI guidelines, bank is required to make a
provision of ` 64.32 crore for standard advances as
well as NPAs. However, since our bank has made a
total provision of ` 171.40 crore, Net NPAs of our
bank have remained at zero percent as in the past
several years.
During the year under review, our Board has
approved writing off 170 Non-performing assets
accounts, after granting relief in principal,
debited interest, penal interest, other expenses,
after pursuing all efforts for recovery in such
accounts. These 170 accounts, include 89
accounts in which relief is granted to the tune of
` 161.12 lakh in principal amount. The Board has
taken this decision in terms of authority given to
it by the General Body. The Board requests this
house to ratify the action of the Board. Board
requests this house to give permission to the Board
to write off such Non-performing accounts during
the year 2018-19 also.
Recoveries in written off accounts
Our bank pursued a policy of prudential write-off of
certain NPA accounts every year in the past, in which
chances of any recovery were very rare. All such
accounts were actually written off at the end of the
year 2013-14 with the permission of General Body.
However, the efforts of recovery are kept on by bank.
We are happy to state that during the year 2017-18,
our bank has recovered a significant amount of
` 1.11 crore from these accounts. Board appreciates
the efforts of the Bank’s Recovery Deptt for the work
done.
Finance to Directors of our Bank
The directors of our bank and their relatives as
defined by RBI are not granted any kind of finance
by our bank, except loan / overdraft against fixed
deposits standing in their own name, and thus bank
strictly comply with RBI guidelines in this regard.
Investments – ` 3473.26 crore
Our bank’s total investments were to the tune of
` 2879.07 crore at the end of the year 2016-17,
which has increased to ` 3473.26 crore at the end of
the year 2017-18. This includes investments under
SLR category of ` 1840.64 crore. Non-SLR category
of ` 597.70 crore, deposits with other banks of
` 924.70 crore and CCIL CBLO lending of ` 109.94
crore. Our bank has created an Investment
Depreciation Reserve of ` 86.42 crore to guard
against possible risks, as per RBI guidelines. Further,
Investment Fluctuation Reserve of the bank stood at
` 31.21 Crores. Bank is taking adequate care to
ensure that the investments of bank are safe and
secured. Bank made profit of ` 3.33 crore from
trading of Government Securities.
Risk Management
The banking systems and procedures, technological
changes and market risks have undergone sea
change in the present time. As a result, Risk
Management has gained lot of importance. Banks
have to manage mainly Operational Risk, Credit Risk
and Market Risk. Our bank has established adequate 23
th48 Annual Report 2017-2018
practices and procedures to manage these risks.
Bank has formed investment committee to study
market risk, which meets periodically and takes
appropriate decisions. The credit risk is mitigated by
regular audit, inspection, decentralization of powers
to sanction advances, fixation of exposure ceilings,
monitoring, credit rating etc. Bank ensures risk based
supervision of branches. Bank’s Audit committee also
focuses on these areas. Being an authorized dealer
in Forex, having AD category 1 license, our bank has
to face country risk also. We have been focusing
Bank-wise & Country-wise exposures and they are
reviewed from time to time. The Asset Liability
Committee meets periodically to study and manage
liquidity risk, and ensures timely submission of
liquidity returns to RBI and also takes care to avoid
any possible default in maintenance of CRR / SLR.
Board acknowledges work done by these
departments.
Thus, considering the importance of risk
management, our bank is following prudent
practices and procedures and system are being
strengthened from time to time.
Appropriation of profit and dividend –
Total income 690.21 crore
Net profit ` 110.24 crore
Dividend 15 % (proposed)
We are pleased to inform you that bank’s Total
Income has increased to ` 690.21 crore as on
31.03.2018 as compared to last year total income of
` 651.34 crore. After deducting total expenses, taxes
and provisions from this income, bank has achieved
higher Net Profit of ` 110.24 crore, which was `
85.82 crore last year. Increase in Net Profit can be
attributed mainly on account of higher income from
investments, control on expenditure and prevention
of assets falling into impaired category. As per
provision of bank’s Bye-law, Board recommends
profit distribution as below and requests this house
to approve the same.
`
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
24
No. Particulars Amount (`)
1 Reserve funds (25%) 27,56,06,683.67
2 Education fund 1,10,24,267.35
3 Unforeseen losses fund 11,02,42,673.47
4 Dividend (15%) 12,61,46,766.07
5 Building fund 14,11,10,622.04
6 Charity fund 1,41,11,062.20
7 Contingency fund 7,05,55,311.02
8 Investment fluctuation fund 3,33,00,000.00
9 Reserve fund 32,03,29,349.87
Total Net Profit 110,24,26,734.69
Board recommends to this house to approve
15 % dividend to pay to the shareholders for the
year 2017-18. However for a Bank, to maintain
CRAR at healthy level and ploughing back of net
profits to create high Reserve fund is equally
essential.
Assessment of Targets and Budget (Targets)
for the year 2018-19
Bank reviews achievement against the targets given
for the year and gives targets for the current year in
the beginning of every year. The targets are given
after considering the views of the concerned staff. As
this process is carried out in the beginning of the
year, the staff gets sufficient time for planning. The
branches doing admirable work in achieving the
targets are complimented. During the year, 2017-18,
our bank has done satisfactory work in achieving
various targets. Its credit goes to all Staff members,
Board of Directors, Branch Development committee
members, customers and well wishers.
The Board has also prepared budget for the year
2018-19 which is presented for approval of this
house.
Corporate governance-cum-Co-operative
governance
Nowadays, it is very essential to follow principles of
Corporate Governance by any organization and
therefore, our bank lays importance to corporate
governance in its administration. But at the same
time, our bank being a co-operative bank with large
volume of business, it is very necessary to follow the
principles of co-operative governance along with the
principles of corporate governance. Our bank
protects the interest of depositors and members of
weak co-operative banks by ensuring merger of such
banks. From 1991 to 2017, seven co operative banks
have been merged with our bank. Board of Directors
of the bank follows guidelines of Reserve Bank of
India and other regulators in letter and spirit in the
interest of members and society at large. As per RBI
guidelines, two professional directors are co opted
by Board and they provide their valuable services to
the bank. Board meets twice a month in which
majority of Directors are present. The committees
formed for extending support to the Board meet
regularly and take decisions that are helpful to the
Board. Board invites invitee members and gets
benefit of their services as and when required.
Foreign Exchange Department
Our bank is the first co-operative bank which holds
permanent AD category I license. The department
has done foreign exchange turnover of ` 10,267
crores during the year. This dept. undertakes all
Forex related transactions. Our bank offers forex
related services at highly competitive rates. Our bank
is dealing in foreign currencies like USD, GBP, Euro,
Canadian dollar, Japanese Yen, etc.
International Business Division (IBD) provides all
services related to import and export. In case of
exports, Bank provides various facilities like Export
packing credit, Foreign bills collection, foreign bills
purchase/ discounting/ negotiation etc. at very
competitive rates.
In case of imports, bank provides various facilities
like Foreign Letter of credit (FLC), Buyers credit/
Suppliers credit, Foreign Bank Guarantees etc. The
Department uses Reuters/ Bloomberg services and
dealing room is available at Ahmedabad. Bank
provides international payment facility by direct
SWIFT system. Our bank’s name is located in
International Bank Directory. We urge all
businessman and traders engaged into international
business to take maximum benefit of our foreign
exchange services.
Opening of new branches
After obtaining permission from Reserve Bank of
India, our bank has opened new branch at New S.G.
Road (Vandemantram area), Ahmedabad. With that
total number of branches has reached to 56. Since
No. Particulars 2017-18 2017-18 2018-19
(Target) (Actual Achievement) (Target)
1 Share capital 90 88.05 95
2 Reserves and surplus 1100 1121.41 1200
3 Deposits 6900 6495.90 7000
Of which CASA deposits 2000 2039.56 2100
4 Investment (including deposits with banks) 3200 3473.26 3600
5 Advances 4700 3903.39 4600
6 Working capital 8400 8102.13 8400
7 Gross income 726 690.21 766.50
8 Gross expenses 568 498.26 565.50
9 Operating profit 158 191.95 201
10 Net profit 95 110.24 114
11 NPA recovery 30 38 35
Analysis of Targets and Budget for the year 2018-19 (` in Crore)
th48 Annual Report 2017-2018
25
last 2 years, instead of brick and mortar expansion,
our bank focuses more on digitalization, IT
supported services as well as merger and acquisition.
Merger of Siddhi Co-op Bank Ltd.
Bank has started merger process of Siddhi Co-Op
Bank Ltd, Ahmedabad with our bank in 20.08.2016.
Draft scheme of merger was unanimously approved
by shareholders in Annual General Meeting held as
on 06.06.2017. The Reserve Bank of India vide their
letter dated 10.05.2018 has given approval for
merger of Siddhi Co-Op Bank Ltd, Ahmedabad with
our bank. Now, Bank has to obtain necessary
approval / NOC from other Govt. authorities i.e.
Registrar of Co Operative Societies, Gujarat State,
Central Registrar of Co- operative Societies, New
Delhi etc. and thereafter Siddhi Co-Op Bank Ltd,
Ahmedabad will be merged with our bank.
At present, bank has 56 branches. After this merger,
3 more branches will be added and this year, total
number of branches of the bank will reach to 59.
Currency chest
The Currency Chest was inaugurated at Head office
of our bank on 03.06.2017. On this occasion,
Regional Director -Shri J.K. Das, General Manager
Issue Department - Shri A. Kamath, Dy. General
Manager - Shri Ashok Kumar and Asst. General
Manager - Smt. Sujata Vijay Raghavan from Reserve
Bank of India as well Members of Board of Directors
and Executives of Co-operative Banks were present
in large. With the opening of currency chest, our
bank will be able to manage cash operations
smoothly and will be able to extend services to other
co operative banks.
Para Banking services
Banking industry is facing fierce competition in the
present time. So, it is very necessary for banks to
earn income from sources other than core banking
activities, so as to make reasonable profit. This
income should normally meet with administrative
expenses. Our bank has not been able to reach up to
this level. Our bank, however, earns good income
from various para banking services such as Life
Insurance, General Insurance, Health Insurance,
Demat & ASBA, Stamp franking, PAN Card Insurance
etc. We request all of you to get benefit of such
services.
Internet banking
Our bank provides internet banking facility to
Corporate customers as well as Retail customers
without any cost. Bank provides Internet banking
services under secured environment and is subject to
IT security audit. Through internet banking,
customers can avail internal/ external fund transfer,
view/ print statements, know status of cheque, send
request for new cheque book issuance create Fixed
deposit, pay bills etc. services from their laptop /
desktop or mobile devices.
We expect maximum customers to avail this facility.
At the end of this year, 4000 corporate customers
and 5000 retail customers have availed this facility.
With a view to increase uses of internet banking,
bank has waived charges for NEFT/ RTGS
transactions when done through internet banking
channel. Therefore customers are advised to take
maximum benefit of these services.
Mobile banking
Our bank has started Mobile Banking facility. Under
this facility, various services like fund transfer
through IMPS, mini statement, balance enquiry,
cheque book indent, status of cheque, bill payment
are provided. We advise customers to take
maximum benefit of this facility.
Debit Card
Our bank’s debit card can be used for availing
various services. Cardholders can use this card at
Shopping Malls or can swipe that at POS machines.
This card can be used for online shopping, booking
of railway tickets, hotel booking, bill payment,
payment of insurance premium etc.
Our bank’s Debit card can be used at almost all
ATMs across India and also at more than 10 lakh
Points of Sale. We request all to use this card
extensively. Further, it gives great pleasure to
announce that, our bank has introduced RuPay
Platinum Debit Card which provides insurance cover
to the extent of ` 2 Lacs and various other facilities
such as free use of lounge at Airport in India, Cash
back offers etc.
ATM centres
Our bank has total 58 ATMs; which include five off-
site ATMs. Our ATMs extend 24 x 7 hour service and
are secured by security guards and are under CCTV
surveillance. Other bank’s ATM card holders take
maximum benefit of services of our ATMs.
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
26
Locker service
Our bank extends locker service at 47 branches
through more than 71000 lockers. Bank makes
earnest efforts to provide more and more lockers.
Since the locker rent charged by our bank is very
reasonable and locker halls are well furnished and
Air conditioned, more and more customers are
taking benefit of locker services.
Demat service / ASBA service
Bank’s Demat department is functioning since 1999.
All the branches of our bank extend ASBA service to
customers. Now it is compulsory to avail ASBA
service for subscribing to IPOs / FPOs. During the
year, our bank has accepted 514364 applications
under ASBA facility.
PAN card service / Gas Bill collection service
All the branches of our bank receive applications for
issue of Income Tax Permanent Account No. Bank
also extends Adani Gas Bill collection service.
E-Tax service
Our bank extends e-tax service free of charge for
payment of various taxes by our customers in
collaboration with IDBI Bank. Under this services,
customers can make payment of various taxes like
income tax, TDS, GST, custom duty, ESIC, EPFO, TDS
on sale of assets etc. Large number of customers are
availing benefit of this facility.
Stamp franking service
Various branches of our bank extend stamp franking
service to members of public. Branches provide
franking facility for any amount. Branches have also
appointed DSA for providing franking facility.
Corporate Social Responsibility
As a part of corporate Social Responsibility, our bank
encourages several activities for the benefit of
society, which include micro finance, blood donation,
donations to organisations engaged in social
activities, prizes / scholarships to meritorious
students, assistance to the kin of deceased members,
celebration of various days etc. The members of
Board of Directors support such activities by
remaining present in the various functions.
Other services
Apart from above mentioned services, bank provides
various other services like Toll free number, free E
Statements, Free SMS alerts, free Demat statements
on mobile, Missed call services for knowing account
balances, Mini statement, Marketing etc. Large
number of customers take benefit of these services.
Blood Donation
Blood donation activity is a leading social service
activity undertaken by our bank throughout the year.
The branch managers and co-ordinating officer Shri
Chandravadan Shukla are giving remarkable
contribution in this activity. During the year, 51
branches have satisfactorily arranged blood
donation camps. Bank is arranging blood donation
camps frequently and staff members and customers
give their immense contribution in that. During the
year, 69 such camps were arranged and 4861 units of
blood were collected.
Implementation of Insurance schemes of
Government of India
Our bank has done remarkable work in
implementation of insurance schemes of Central
Government. Viz Pradhan Mantri Suraksha Bima
Yojna (PMSBY) and Pradhan Mantri Jivan Jyoti Bima
Yojna (PMJJBY), launched by the Prime Minister. We
are happy to state that 19406 customers have been
covered under PMSBY and 12372 customers have
been covered under PMJJBY. Unfortunately, 21 claims
took place under schemes and all the claims have
been settled and the claim amount has been
disbursed to the claimants.
Our bank has launched personal accident insurance
scheme for the benefit of savings and current
account holders of our bank, subject to certain
conditions. During the year, 3,39,013 customers have
been covered under the scheme and bank has paid
premium for that. 13 claims took place under the
scheme and all the claims have been settled.
Celebration of International Woman Day.
With a view to give respect to women, our bank has
celebrated International Women’s Day on 8th March
2018. A seminar was organized to mark the occasion.
Bank’s woman Director and Chief Guest of this
seminar, Smt Purviben Pokhariyal addressed women
customers about woman empowerment through
financial literacy. Special guest of the function, Ms.
Bhashaben Vaghani, Brand ambassador of “Beti
Bachao”, Surat Municipal Corporation expressed her
views on women empowerment and essence of life.
The entire programme was conducted by female
staff members of our bank. More than 500 women
customers were present and made the programme
th48 Annual Report 2017-2018
27
successful. Bank provides Housing loan and
Education Loan to women borrowers at special
concessional rates.
Donation
As per RBI guidelines, our bank makes donations of
amount equivalent to 1 % of bank’s net profit every
year. Accordingly, our bank has given donation of
` 94,48,800 during the year 2017-18 to 15
organizations like Muni Seva Ashram, Gujarat State
Chief Minister Relief Fund, U.N. Mehta Institute of
Cardiology and Research Centre, Apang Manav
Mandal, Sheth N.N. Sarvajanik Hospital, Dr. Jivraj
Mehta Smarak Health Foundations etc.
Finance For Higher Education
Our bank provides Education loan at very
competitive interest rates, benefit of which is availed
by many students. Up to the end of the year 2017-
18, bank has given Education loan to 608 students,
outstanding of which is ` 54.70 crore. At present,
bank gives education loan of ` 10 lakh for higher
study in India and of ` 50 lakh for higher study
abroad at attractive interest rates ranging fro 9.10%
to 9.25% which is perhaps lowest in banking
industry.
Kalupur Bank Scholarship Scheme
Our bank has introduced a scheme of giving
scholarship to meritorious students of members and
staff members of our bank since many years. Under
this scheme, students securing good marks in SSC,
HSC, Graduation, Post-graduation are awarded
scholarship. Under the scheme, during the year
2017-18, 183 students were given a scholarship of
` 5,42,683.
Members’ Welfare Scheme
As a part of social responsibility, bank has introduced
a scheme with a noble cause of helping family
members of deceased members, since 1997. During
the year, Bank paid ` 35,20,000 to family members of
352 deceased members.
Board prays for the homage of deceased members.
Branch Development Committees
Bank has formed Branch Development Committees
for most of the branches of our bank, comprising of
prominent personalities of society, to avail the
benefit of their experience and contacts for
improving customer service of our bank. The
meetings of such committees are held once in two /
three months in which bank’s director and
experienced officers remain present. Bank takes
necessary action for implementing suggestions
given by the members. The implementation of
suggestions brings improvement in customer
service, professionalism and momentum in bank’s
working. The committee members at times help
recovery of NPAs and give market intelligence
report. Bank organizes customer meet at branches to
increase customer base. During these customer
meet, Branch development committee members take
active part and provides encouragement. Board
respects the honorary services of the committee
members and request them to provide their
contribution in development of the bank.
Human Resources Development – Skills and
Knowledge development
Our bank’s management considers human resources
as an integral part of development of bank. So, to
keep the staff motivated, bank gives them
satisfactory wages and other facilities; productivity
linked bonus, promotions, awards, appreciation
certificates etc. Once in a year, a programme is
arranged in which all the employees are invited with
family, and deserving employees are felicitated
publicly. Children of staff members are also
felicitated for their feats in sports / educational /
cultural activities.
Bank also publishes In house journal named
‘Karmanya’ to encourage the writing skills of staff.
This In House journal has become popular because
of informative and varied articles. Library of the
bank is enriched with good number of magazines,
books, newspapers, periodicals, tabloids etc. Bank
subscribes for the magazines like ‘Akhand Anand’
and ‘Jankalyan’ on behalf of employees. Bank invites
retired employees in various functions and maintain
relationship with them.
Bank arranges free coaching classes for JAIIB / CAIIB
examination, the benefit of which is availed by
employees of several other banks also. During the
year, 34 employees of our bank cleared JAIIB, 14
employees cleared CAIIB, 23 employees cleared
AML-KYC certificates, two employees cleared Foreign
Exchange Officer, two employees cleared IT Security,,
three employees cleared Digital MSME and Certified
Credit Officers exam. Thus, our employees are
making great strides in their career. The qualified
staff gives better customer service.
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
28
Awards
During the year, bank received four awards by well
reputed magazine “Banking Frontier” for (1) Best
NPA Management, (2) Best Green Initiations, (3)
Financial Literacy and (4) Best Customer Acquisition.
Bank has received award for “ Valuable partner and
outstanding camp organizer“ from Indian Red Cross
society, Ahmedabad district branch for the year
2017-18, at the auspicious hands of Governor of
Gujarat, Shri O.P. Kohli.
Our bank has been confined with the prestigious
award of “Banco Puraskar -2017”. in the catagory of
“All India Urban Bank with Business Mix Above `
10001 Crore” by BANCO.
Activities of Marketing Department
Our bank is the only co-operative bank which is
consistently nominated for second year doing
commendable work under Pradhan Mantri Awas
Yojana. Our bank received award at the auspicious
hands of Central Cabinet minister, Housing and
Urban affairs, Shri Hardipsinh Puri at New Delhi.
Marketing department has given their immense
contribution in appointment of Direct Selling agent
(DSA) for stamp franking services, HUDCO subsidy,
tie up with Gujarat Housing, Personal accident
insurance, General insurance and has also conducted
47 customer meets. During the year 2017-18, 238
Housing loan borrowers of our bank have received
subsidy of ` 5.16 Crores. Board appreciates efforts
made by Shri Dhimant Turakhia, Chief Development
officer and entire Marketing team for canvassing
various banking products and services to prospective
customers.
Appreciation of services of member of Board
of Director Shri K. K. Patel
One of the members of the Board, Shri Khodabhai K
Patel has given his resignation on 12.04.2018 as due
to his busy schedule & other engagements, he is
unable to provide services to the bank. In the Board
meeting Dated 17/04/2018, His resignation was
accepted by the Board appreciating his services.
Since 2002-03, Shri Khodabhai K Patel has provided
his constant services to the bank. During these 16
years, being a member of Board, he has provided
valuable suggestions and guidance for development
of the bank. As a member of Premises and
equipment committee of the bank and due to his
negotiation skills, bank has been benefited by
ensuring cost reduction. Being a part of gift selection
committee, he has always ensured that best gift is
given for the shareholders of the bank. Being a part
of committee for monitoring and recovery of
stressed assets, he has always taken initiatives to
interact with borrowers of NPA accounts and
ensured recovery in the said accounts. Due to his
insight and brave decisions, bank has been able to
initiate legal actions in many NPA accounts and has
been successful in recovering dues from borrowers.
His relations with others have also helped bank in
business development. Board of Directors of the
bank takes note of his services and are thankful to
him.
Appointment of Shri Kiritbhai Rambhai Patel
as a Director to fill casual vacancy on the
Board by Coopting
Due to resignation of Shri Khodabhai K. Patel, bank is
required to fill casual vacancy on the Board. As per
Bye laws No: 34(d), The Board may fill a casual
vacancy on the Board by nomination out of the same
class of members in respect of which the casual
vacancy has arisen, if the term of office of the Board
is less than half of its original term.
Shri Kiritbhai Rambhai Patel belongs to Kadi,
Mehsana. Currently he is settled at Ahemdabad. He
completed his Chemical Engineering from
Dharamsinh Desai Institute of Technology. He is
Managing Director of Corel Pharma Chemicals Ltd.
He has in depth knowledge of Chemical engineering,
especially Polymer technology. He was a invitee
member to Board and has provided guidance for
Industrial advances. Considering his services to the
bank as invitee member, Board unanimously resolved
to appoint him as Director in the Board meeting
Dated 17.04.2018.
Obituary
Shri Vittalbhai Hemdas Patel, ex-Director of our bank
passed away on 06.04.2018 at USA. He was Director
of our bank for Nine years. He was taking active part
in all Board meetings.
Moreover, our staff member, Shri Devangbhai
Dharmishthbhai Dave working with Kalupur branch
passed away untimely. He was an experienced
employee who worked with great care.
Board of Directors pays respectful homage to the
departed souls taking note of the valuable services
rendered by them.
th48 Annual Report 2017-2018
29
Acknowledgement
We place on record our sincere thanks and gratitude
to all the members, customers, well-wishers and
employees of the bank for their unstinted support
and co-operation throughout the year.
We place on record our sincere thanks and gratitude
to Shri J.K. Dash, Regional Director, RBI, Shri R.S.
Sharma, Chief General Manager, DCBS, RBI, Central
Office, Shri V.Rangarao, General Manager DCBS RBI,
Ahmedabad, Shri R.K. Barman, Dy. General Manager
Foreign Exchange Dept. RBI, Shri Ashishbhai Bhutani,
IAS, Central Registrar of Co-op Societies, New Delhi,
Shri Nalinbhai Upadhyay, Registrar of Co-operation,
Gujarat State, Shri Jyotindrabhai Mehta, Chairman,
Gujarat Urban Co-op Bank’s Federation, Shri
Nalinbhai Patel, Chairman, Ahmedabad City and
District Co-op Banks Association, Ahmedabad, Shri
Ajaybhai Patel, Chairman of Ahmedabad District Co-
op Bank Ltd and Gujarat State Co-op Bank Ltd.
We place on record our sincere thanks and gratitude
to officials of all the organisations / banks etc. such
as SEBI, NSDL , various banks like Dena Bank, Bank of
Baroda, State Bank of India, HDFC Bank, ICICI Bank,
Corporation Bank, Union Bank of India, Central Bank
of India, IDBI Bank, SIDBI, ECGC, FEDAI, CCIL, NPCI,
IBA and Foreign Banks like HABIB Bank. Commerze
Bank, Bank of Novaskotia, who lend precious help to
our bank in day to day work.
We convey our sincere thanks to all the auditors,
statutory auditors, legal advisors, valuers, and
advocates of the bank. We also convey our special
thanks to legal advisor of our bank Shri Rameshbhai
Barot, Shri Hiteshbhai Shah, Shri Jatinbhai Sheth, Shri
Nandishbhai Chudgar, for their co-operation during
the year.
We place on record our sincere thanks to all the
members of Board of Directors for their continued
support during the year for professional and
transparent management of our bank. Our particular
thanks to Chairman Emeritus Shri Ambubhai Patel,
Vice Chairman Shri Mineshbhai Patel and Managing
Director Shri P.F. Bharucha for their guidance and
support. We sincerely thank Professional Director CA
Shri Kaushikbhai Patel, for his guidance in Bank’s
Audit / inspection as well as in Human Resources
Management and Director Shri Kiritbhai Patel, CA
Shri Ketulbhai Patel and Shri Rahilbhai Patel for
providing their guidance in I.T. Related work. The
Board places on record special thanks to Director
Shri Hasmukhbhai Patel, Shri K K Patel, Shri Bipinbhai
Shah and Shri Bhalabhai C. Patel who are giving
their guidance as member of Bank’s Purchase &
Equipment committee as well. Board also places on
record particular thanks to our well-wisher and ex-
MP Shri Surendrabhai M Patel and CA Shri
Nipambhai Shah for their guidance. Board is also
thankful to Shri Ambarbhai Patel and Shri Kirit Patel
for their contribution to increase finance to MSME
sector. Board also places on record sincere thanks to
Dr. Shri Dineshbhai Amin for providing his valuable
contribution in motivating staff and contribution in
development of Micro Credit. Board is thankful to
Women Directors, Smt. Purviben Pokhariyal for her
advice on legal matters as well as women
empowerment and Smt. Madhaviben Patel for her
suggestions for providing Best customer service.
Bank is also thankful to Smt. Mittalben Patel,
Managing Director Vicharata Samuday Samarthan
Manch for her support and guidance in field of
Micro Finance including creating awareness among
Weaker section of society by conducting cluster
meetings. Board also thanks all the members of
Branch Development Committees for their valued
services.
We are very much thankful to Secretary to Board of
Directors, Shri Mahendrabhai Patel, General Manager
& CEO Shri Vinodbhai Dadlani, all senior executives,
officers, Branch Managers and staff of the bank in
acknowledgement of their sincere and dedicated
services.
We also express our thanks to print and electronic
media for their co-operation from time to time.
We are working with a pledge “Progressive Thinking
– Result Oriented Banking”. We earnestly desire to
make rapid progress by making our services more
and more efficient and customer centric. We solicit
your co-operation in our task ahead.
Thank you all, once again.
||AANO BHADRAKRATVO YANTU VISHWAT:||
May we get kind & positive thoughts from all
directions.
On behalf of Board of Directors
Navnitbhai C. Patel
Chairman
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
30
Independent Statutory Auditors'Report stfor the Year Ended 31 March 2018
(As required under Section 31 of Banking Regulation Act, 1949 as applicable to Co-Operative Societies and
section 73(4) of Multi State Co-operative Societies Act,2002 and Rule 27 of The Multi-State Cooperative
Societies Rules)
To,
The Members,
The Kalupur Commercial Co-Operative Bank Ltd.
AHMEDABAD
1. We have audited the accompanying financial statement of THE KALUPUR COMMERCIAL CO-
OPERATIVE BANK LTD., AHMEDABAD which comprises of the Balance sheet as at 31ST March 2018, the
Profit and Loss account, and the cash flow statement for the year then ended, and a summary of
significant accounting policies and other explanatory information. The returns of 57 branches audited
by us are incorporated in these financial statement .The branches audited by us have been selected by
the bank in accordance with the guidelines issued to the bank by the Central Registrar of Cooperative
Societies.
Management’s Responsibility for the Financial Statements
2. Management is responsible for the preparation of these financial statements that give a True and fair
view of the financial position, financial performance and cash flows of the Bank in accordance with
provisions of the Banking Regulations Act, 1949, the guidelines issued by the Reserve Bank of India
and the guidelines issued by the National Bank for Agricultural and Rural Development, the Central
Registrar of Cooperative Societies, the Multi State Co‐operative Societies Act, 2002, the Multi State
Co‐operative Societies Rules, 2002 (as applicable) and accounting principles generally accepted in
India so far as applicable to Banks. This responsibility includes the design, implementation and
maintenance of internal controls relevant to the preparation and presentation 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 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 misstatements.
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 judgment, 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 Bank’s
preparation and fair presentation of the financial statements in order to design audit procedures that
are appropriate in the circumstances, but not for the purpose of expressing an opinion on effectiveness
of the Bank’s internal control. 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.
th48 Annual Report 2017-2018
31
Opinion
6. In our opinion and to the best of our information and according to the explanations given to us, the
aforesaid financial statements together with the Notes thereon give the information required by the
Banking Regulation Act, 1949, the Multi State Co‐operative Societies Act, 2002 and the Multi State
Co‐operative Societies Rules, 2002 and the guidelines issued by the National Bank for Agricultural and
Rural Development (as applicable) and guidelines issued by Reserve Bank of India and the Central
Registrar of Cooperative Societies, in the manner so required and give a true and fair view in
conformity with the accounting principles generally accepted in India:
(a) In the case of the Balance Sheet, of state of affairs of the Bank as at 31stMarch 2018;
(b) In the case of the Profit and Loss Account, of the profit for the year ended on that date; and
(c) In the case of the Cash Flow Statement, of the cash flows for the year ended on that date.
Report on Other Legal & Regulatory Requirements
7. The Balance Sheet and the Profit and Loss Account have been drawn up in Forms “A”and “B”
respectively of the Third Schedule to the Banking Regulation Act, 1949 and the Multi State
Co‐operative Societies Act, 2002, the Multi State Co‐operative Societies Rules, 2002.
8. As required by Section 73(4) of the Multi State Co‐operative Societies Act, 2002, 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 to be satisfactory;
b) In our opinion, proper books of account as required by law have been kept by the Bank so far as
it appears from our examination of those books and proper returns adequate for the purposes
of our audit have been received from the branches/offices;
c) The transactions of the Bank which came to our notice have been within the powers of the Bank;
d) The Balance Sheet and the Profit and Loss Account dealt with by this report are in agreement
with the books of account and the returns;
e) The accounting standards adopted by the Bank are consistent with those laid down by
accounting principles generally accepted in India so far as applicable to Banks;
f) In our opinion and according to information and explanations given to us, we have not noticed
any material impropriety or irregularity in the expenditure or in the realization of money due to
the bank.
Schedules forming part of Auditors report on the financials
9. As required under Rule 27(3) of the Multi State Co-operative Societies Rules, 2002, we report on the
matters specified in that Rule as under:-
(a) During the course of audit we have not come across any major transactions which appear to be
contrary to the provisions of the Multi‐State Co-operative Societies Act, 2002, the rules or the
bye‐laws of the Bank except Observation as mentioned in Schedule – A
(b) During the course of audit we have not come across any major transactions which appear to be
contrary to the guidelines issued by the Reserve Bank of India and National Bank for Agriculture
and Rural Development
(c) Money belonging to the Bank which appears to be bad or doubtful of recovery (Refer
Schedule B to this report);
(d) As per information given to us and to the best of our knowledge, there are no loans given by the
Bank to the members of the Board except those permissible under RBI guidelines;
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
32
(e) During the course of our audit we have come across violation of guidelines, conditions etc.,
issued by the Reserve Bank of India or National Bank for Agriculture and Rural Development
(Refer Schedule C to this report);
(f) To the best of our knowledge, there are no matters that have been specified by the Central
Registrar of Cooperative Societies in this regard.
For, R. S. Patel & Co.
Chartered Accountants
FRN 107758w
Place: Ahmedabad Rajan B. Shah
Date: 18-05-2018 Partner
Membership No.101998
Schedule – A
1. Education Fund of Rs. 511.19 lacs is provided by Bank as per Section 63(1)(b) of Multi State Co-
operative Societies Act 2002 and Rule 25 of Multi State Co-operative Societies Rules, 2002 but not yet
remitted to National Cooperative Union of India Limited, New Delhi. As informed by the bank they will
remit the same on receipt of demand by National Cooperative Union of India Limited.
Schedule – B
• The following monies due to the bank appear to be doubtful of recovery (Rule 27(3)(c)).(Advances
categorized as doubtful and loss assets as per prudential norms are considered as doubtful of
recovery):
Category Amount outstanding as on 31.03.2018 (Rs. In lacs)
Doubtful Assets 2738.80
Loss Assets 653.90
Total 3392.70
• However a provision of Rs.2240.82 lacs has been made against the above advances as per RBI
guidelines.
Schedule C:
1. As per para 3 of UBD.BPD (PCB)Cir. No. 2/14.01.062/2014-15 dtd 2 July 2014 read with Master direction
on KYC, Urban Co-operative Banks are required to allot UCIC (Unique Customer Identification Code) to
their existing customers. However bank has not yet fully completed the process of allotting UCIC to
their customers.
As a result there are cases where single customer is allotted more than one UCIC.
th48 Annual Report 2017-2018
33
1. Capital - þuh ¼tzku¤
1) Authorised Capital - yrÄf]ík þuh ¼tzku¤
1,25,00,00,000 5,00,00,000 Shares of Rs. 25 /- each 1,25,00,00,0005,00,00,000 þuh Ëhuf Yk. 25/- «{kýu
2) Subscribed Capital - çknkh Ãkkzu÷wt þuh ¼tzku¤
87,35,09,625 3,52,21,428 (P. Y. 3,49,40,385) fully paid up shares of Rs. 25/- each 88,05,35,700
3,52,21,428 (Yk. 3,49,40,385 fhkuz ÃkkA÷k ð»koLke) þuh Ëhuf Yk. 25/- «{kýu
3) Amount called up on 3,52,21,428 (P. Y. 3,49,40,385) shares of Rs. 25 /- each
ðMkw÷ ykðu÷ þuh ¼tzku¤ 3,52,21,428(Yk. 3,49,40,385 fhkuz ÃkkA÷k ð»koLke) þuh Ëhuf Yk. 25/- «{kýu
of the above held by
87,35,09,625 a) Individuals - ÔÞÂõíkyku 88,05,35,700
— b) Co-op.Institutions - Mknfkhe MktMÚkkyku —
— c) State Government - hkßÞ Mkhfkh©eyu Äkhý fhu÷ þuh ¼tzku¤ —
2. Reserve Fund & Other Reserves - yLkk{ík ¼tzku¤ yLku yLÞ ¼tzku¤
4,11,59,48,245 1) Statutory Reserve - yLkk{ík ¼tzku¤ (fkÞËkLkwMkkh hk¾ðkLkwt) 4,61,46,63,426
62,91,41,941 2) Building Fund - {fkLk Vtz 73,89,97,246
4,77,48,658 3) Dividend Equilization Fund - rzrðzLz Eõðe÷kEÍuþLk Vtz 4,77,48,658
93,46,69,421 4) Bad & Doubtful Debts Reserve - þf{tË ÷uýk Vtz 93,46,69,421
86,41,65,808 5) Investment Depreciation Reserve - hkufkýkuLkk ½Mkkhk yLkk{ík 86,41,65,808
31,20,94,444 6) Investment Fluctuation Fund - hkufký ðĽx yLkk{ík 31,20,94,444
7) Other Funds (to be specified) - yLÞ ¼tzku¤ :
7,09,49,735 a) Co-operation Propaganda Fund - Mknfkh «[kh Vtz 7,09,49,735
87,61,006 b) Charity Fund - Ä{koËk Vtz 48,05,271
29,60,25,000 c) Spl.Building Fund - MÃku. rçkÕzªøk Vtz 29,60,25,000
4,16,19,996 d) General Welfare Fund - Mkk{kLÞ ðu÷Vuh Vtz 4,16,19,996
2,12,81,675 e) Jubilee Fund - ßÞwçke÷e Vtz 2,12,81,675
7,49,11,153 f) Member/Customer/Incentive Fund - Mk¼kMkË, økúknf «kuíMkknLk Vtz 7,49,11,153
8,93,26,908 g) Development Fund - zuð÷Ãk{uLx Vtz 8,93,26,908
95,40,37,395 h) Contingency Fund - fÂLxsLMke Vtz 1,00,89,65,047
5,23,46,564 i) Capital Reserve - fuÃkex÷ heÍðo 11,77,98,614
42,68,26,800 j) Contingency Provision Aga. Standard Assets - MxkLzzo yuMkuxTMkLkwt «kurðÍLk 42,68,26,800
32,98,30,996 k) Special Contingency Fund - MÃku. fÂLxsLMke Vtz 32,98,30,996
45,28,02,690 l) Unforseen Losses Reserve - yLkVkuhMkeLk ÷kuMk heÍðo 53,86,27,146
4,80,00,000 m) Provision for Other Assets - «kurðÍLk Vkuh yLÞ yMõÞk{ík 5,88,50,710
19,74,33,000 n) Special Reserve - MÃku~Þ÷ rhÍðo 25,44,33,000
1,50,46,137 o) Staff Welfare Fund - MxkV ðu÷Vuh Vtz 1,50,46,137
19,04,76,971 p) Bad & Doubtful Debts Prov. u/s 36 (1) (viia) 35,25,03,342
10,17,34,44,543 «kurðÍLk Vkuh çkuz yuLz nkWMkVq÷ zuçx u/s 36(1) 11,21,41,40,533
11,04,69,54,168 12,09,46,76,233
31.03.2017Rs.
31.03.2018Rs.Rs.
CAPITAL AND LIABILITIES - ¼tzku¤ íkÚkk Ëuðwt
BALANCE SHEET
íkk. 31-3-2018Lkk
34
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
1. Cash
On hand and Balance with Reserve Bank of India
3,65,27,34,790 State Bank of India, State Co.op. Bank & Central Co.op. Bank 3,33,28,81,298
nkÚk WÃkh, rhÍðo çkUf ykuV EÂLzÞk, hkßÞ Mknfkhe çkUf,
{æÞMÚk Mknfkhe çkUf{kt
2. Balances with other Banks - yLÞ çkUfku{kt rMk÷f :
19,26,35,300 1) Current Deposits - [k÷w¾kíkk 29,17,65,335
5,04,86,90,118 2) Fixed Deposits - çkktÄe {wËíkLke ÚkkÃký 9,21,99,30,975
— 3) Savings Bank Deposits - Mk®ðøMk çkUf ¾kíkk —
5,24,13,25,418 9,51,16,96,310
1,06,00,00,000 3. Money at call and short notice - fku÷ yLku xqtfe {wËíkLke LkkuxeMkLke ÚkkÃkýku : 1,09,94,42,693
4. Investments - hkufkýku :
16,77,03,00,532 1) In Central & State Government Securities (at book value) 18,40,64,31,578{æÞMÚk yLku hkßÞ Mkhfkhe ò{eLkøkeheyku{kt (¾heË ®f{íku)
Face Value Rs. 17,88,50,50,000 - ËþoLkeÞ ®f{ík Yk. 17,88,50,50,000
(P. Y. Rs.1,617.95 Cr.) - (Yk. 1617.95 fhkuz ÃkkA÷k ð»koLke)
Market Value Rs. 18,13,38,86,380 - çkòh ®f{ík Yk. 18,13,38,86,380
(P. Y. Rs. 1,790.80 Cr.) - (Yk. 1,790.80 fhkuz ÃkkA÷k ð»koLke)
0 2) In other Trustee Securities 0
çkeS xÙMx ò{eLkøkeheyku{kt
27,57,800 3) In Shares of Co-op. Institutions (other than item (5) below) 27,57,800
Mknfkhe MktMÚkkyku{kt þuhku{kt (Lke[uLke ykEx{ Lkt. 5 rMkðkÞLkk)
19,00,00,000 4) In Shares of Clearing Corp. Of India Ltd. 14,00,00,000
f÷eÞhªøk fkuÃkkuohuþLk ykuV RÂLzÞk þuh
2,10,00,00,000 5) Debt /Money Market Liquid Fund Investment 3,10,00,00,000
2,78,32,95,680 6) Other Investments (Non SLR P.S.U.& A.F.I. Bonds) 2,73,44,58,200çkeò hkufkýku (rðøkík ykÃkðe) (LkkuLk yuMk.yu÷.ykh Ãke.yuMk.Þw.)yLku yu.yuV.ykE.Lkk çkkuLz{kt)
24,99,200 7) NPCI Equity Shares - yuLk.Ãke.Mke.ykE. Eõðexe þuh 24,99,200
21,84,88,53,212 24,38,61,46,778
5. Investments in Principal / Subsidiary - {wÏÞ / økkiý ¼køkeËkhe LkeÄeLkwt hkufký :
State Partnership Fund In Shares of :
— 1) Central Co-op. Bank - MkuLxÙ÷ fku.yku. çkUf —
— 2) Primary Agr. Cr. Soc. - «kÚkr{f Mknfkhe {tz¤eyku —
— 3) Other Socities - yLÞ {tz¤eyku{kt —
31,80,29,13,420 38,33,01,67,079
- hkufz :
31.03.2017Rs.
31.03.2018Rs.Rs.
PROPERTIES AND ASSETS - r{÷fík íkÚkk ÷uýwt
hkusLkwt MkhðiÞwtAS AT 31-03-2018
35
th48 Annual Report 2017-2018
12,09,46,76,233
3. Principal / Subsidiary State Partnership Fund Account
(For Share Capital Of)
— 1) Central Co-op. Bank - MkuLxÙ÷ fku-yku. çkUf —
— 2) Primary Agricultural Co-op. Credit Society —«kÚkr{f ¾uíke rð»kÞf Mknfkhe þhkVe {tz¤eyku
— 3) Other Societies - yLÞ {tz¤eykuLkk þuhku{kt —
4. Deposits & Other Accounts - ÚkkÃkýku yLku yLÞ ¾kíkkyku :
1) Fixed Deposits - çkktÄe {wËíkLke ÚkkÃkýku :
45,02,79,42,629 a) Individuals - ÔÞÂõíkyku 45,77,59,59,784
b) Central Co-op.Bank - {æÞMÚk Mknfkhe MktMÚkkyku
60,68,96,550 c) Other Societies - yLÞ {tz¤eyku MktMÚkkyku 52,58,18,750
2) Savings Bank Deposits - Mku®ðøMk çkUf ÚkkÃkýku :
12,54,16,91,581 a) Individuals - ÔÞÂõíkyku 13,29,37,44,091
b) Central Co-op.Bank - {æÞMÚk Mknfkhe MktMÚkkyku
c) Other Societies - yLÞ {tz¤eyku MktMÚkkyku
3) Current Deposits - [k÷w ÚkkÃkýku :
4,13,43,68,960 a) Individuals - ÔÞÂõíkyku 5,14,06,57,012
b) Central Co-op.Bank - {æÞMÚk Mknfkhe MktMÚkkyku
28,14,780 c) Other Societies - yLÞ {tz¤eyku MktMÚkkyku 5,67,48,770
18,23,12,239 4) Recurring Deposits - hefhªøk ÚkkÃkýku : 16,53,34,096
21,38,157 5) Other Deposits - yLÞ ÚkkÃkýku : 7,61,214
62,49,81,64,896 64,95,90,23,717
5. Borrowings - fhs :
— 1) From Reserve Bank of India - heÍðo çkUf ykuV EÂLzÞk —
— Guj. State Co-op. Bank - hkßÞ Mknfkhe çkUf —
Ahmedabad Dist. Co-op.Bank - {æÞMÚk Mknfkhe çkUfÃkkMkuÚke
— A) Short Term Loans, Cash Credit and Overdrafts,CBLO —
which is secured against Government securities
xqtfe {wËíkLke ÷kuLk, fuþ¢urzx yLku ykuðhzÙk^x Mkeçkeyu÷ykusu økðLko{uLx rMkõÞwhexeÍLkk íkkhý Mkk{u
73,54,51,19,064 77,05,36,99,950
11,04,69,54,168
{wÏÞ / økkiý hkßÞ ¼køkeËkhe LkeÄe :
31.03.2017Rs.
31.03.2018Rs.Rs.
CAPITAL AND LIABILITIES - ¼tzku¤ íkÚkk Ëuðwt
BALANCE SHEET
íkk. 31-3-2018Lkk
36
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
38,33,01,67,079
6. Advances
27,16,05,91,842 1) Short term loans cash credits 21,26,47,84,755
overdrafts and bills discounted
xqtfe {wËíkLke ÷kuLk, fuþ ¢urzx, ykuðhzÙk^x yLkuðxkðkÞu÷k çke÷ku su Ãkife Lke[u {wsçkLkk íkkhý Mkk{uOf which secured against
a) Government and other approved
securities Rs. 28,93,80,440 (P.Y. 15.58 Cr.)
Mkhfkhe yLku çkeS ò{eLkøkeheyku{ktYk. 28,93,80,440 (Yk. 15.58 fhkuz ÃkkA÷k ð»koLke)
b) Other tangible securities
Rs. 20,97,31,61,182 (P.Y. 2700.15 Cr.)
çkeS xuLSçk÷ rMkõÞwhexeÍYk. 20,97,31,61,182 (Yk. 2700.15 fhkuz ÃkkA÷k ð»koLke)
Of the advances amount due from individuals
Rs. 1,74,22,38,161 (P.Y. 208.43 Cr.)
WÃkhLkk rLkŠËü rÄhký Ãkife ÔÞrfík ÃkkMkuYk. 1,74,22,38,161 (Yk. 208.43 fhkuz ÃkkA÷k ð»koLke)
Of the advances amount overdue Rs. 55,07,28,310 (P.Y. 116.35 Cr.)
{wËíkðeíke hf{ Yk. 55,07,28,310 (Yk. 116.35 fhkuz ÃkkA÷k ð»koLke)
Considered bad and doubtful
of recovery Rs. 4,84,73,823 (P.Y. 4.90 Cr.)
ytËkSík ¾hkçk yLku þf{tËYk. 4,84,73,823 (Yk. 4.90 fhkuz ÃkkA÷k ð»koLke)
4,17,78,56,458 2) Medium Term Loans - {æÞ{ {wËíkLke ÷kuLk 3,97,22,37,515
Of which secured against - si Ãkufe Lke[u {wsçkLkk íkkhý Mkk{u
a) Government and other approved
securities Rs. 26,62,768 (P.Y. 0.44 Cr.)
Mkhfkhe yLku çkeS yLÞ ò{eLkøkeheykuYk. 26,62,768 (Yk. 0.44 fhkuz ÃkkA÷k ð»koLke)
b) Other tangible securities
Rs. 3,87,73,04,367 (P.Y. 410.27 Cr.)
çkeS xuLSçk÷ rMkõÞwhexeÍYk. 3,87,73,04,367 (Yk. 410.27 fhkuz ÃkkA÷k ð»koLke)
Of the advances amount due from individuals
Rs. 1,74,99,75,046 (P.Y. 131.60 Cr.)
WÃkhLkk rLkŠËü rÄhký Ãkife ÔÞrfík ÃkkMkuYk. 1,74,99,75,046 (Yk. 131.60 fhkuz ÃkkA÷k ð»koLke)
Of the advances amount
overdue Rs. 11,70,93,401(P.Y. 10.06 Cr.)
{wËíkðeíke hf{ Yk. 11,70,93,401 (Yk. 10.06 fhkuz ÃkkA÷k ð»koLke)
Considered bad and doubtful
of recovery Rs. 1,63,98,001 (P.Y. 1.65 Cr.)
ytËkSík ¾hkçk yLku þf{tËYk. 1,63,98,001 (Yk. 1.65 fhkuz ÃkkA÷k ð»koLke)
63,14,13,61,720 38,33,01,67,079
31,80,29,13,420
- rÄhkýku:
hkusLkwt MkhðiÞwtAS AT 31-03-2018
31.03.2018Rs.Rs.
PROPERTIES AND ASSETS - r{÷fík íkÚkk ÷uýwt31.03.2017Rs.
37
th48 Annual Report 2017-2018
— a) Govt. and other approved securities Mkhfkhe yLku çkeS {kLÞ ò{eLkøkeheyku
— b) Other tangible securities
xuLSçk÷ MkeõÞwhexeÍ
— B) Medium Term Loans —
Of which secured against
{æÞ{ {wËíkLke ÷kuLk su Ãkife Lke[u {wsçkLkk íkkhý Mkk{ua) Government and other approved securities
Mkhfkhe yLku çkeS {kLÞ ò{eLkøkeheykub) Other tangible securities
xuLSçk÷ MkeõÞwhexeÍ— C) Long Term Loans —
Of which secured against
a) Government and other approved securitiesMkhfkhe yLku çkeS {kLÞ ò{eLkøkeheyku
b) Other tangible securitiesxuLSçk÷ MkeõÞwhexeÍ
2. From the State Bank of India - Mxux çkUf ykuV RÂLzÞk ÃkkMkuÚke— A) Short term loanscash credit and overdrafts —
Of which secured againstxqtfe {wËíkLke ÷kuLk, fuþ ¢urzx yLku ykuðhzÙk^x Ãkifea) Government and other approved securities
Mkhfkhe yLku çkeS {kLÞ ò{eLkøkeheykub) Other tangible securities
xuLSçk÷ MkeõÞwhexeÍ— B) Medium Term Loans Of which secured against —
{æÞ{ {wËíkLke ÷kuLk su Ãkife Lke[u {wsçkLkk íkkhý Mkk{ua) Government and other approved securities
Mkhfkhe yLku çkeS {kLÞ ò{eLkøkeheykub) Other tangible securities
xuLSçk÷ MkeõÞwhexeÍ— C) Long Term Loans Of which secured against —
÷ktçke {wËíkLke ÷kuLk a) Government and other approved securities
Mkhfkhe yLku çkeS {kLÞ ò{eLkøkeheykub) Other tangible securities
xuLSçk÷ MkeõÞwhexeÍ3. From the State Government
hkßÞ Mkhfkh ÃkkMkuÚke— A) Short Term Loans —
xqtfe {wËíkLke ÷kuLk ÃkifeOf which secured against
a) Government and other approved securitiesMkhfkhe yLku çkeS {kLÞ ò{eLkøkeheyku
b) Other tangible securitiesxuLSçk÷ MkeõÞwhexeÍ
73,54,51,19,064 77,05,36,99,950
73,54,51,19,064 77,05,36,99,950
—
31.03.2017Rs.
31.03.2018Rs.Rs.
CAPITAL AND LIABILITIES - ¼tzku¤ íkÚkk Ëuðwt
BALANCE SHEET
íkk. 31-3-2018Lkk
38
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
38,33,01,67,079
3) Long Term Loans - 13,79,69,19,948
Of which secured againstLke[u {wsçkLkk íkkhý Mkk{ua) Government and other approved
securities Rs. 15,88,804 (P.Y. 0.02 Cr.)Mkhfkhe yLku çkeS {kLÞ ò{eLkøkeheykuYk. 15,88,804 (Yk. 0.02 f÷uz ÃkkA÷k ð»koLke)
b) Other tangible securities
Rs. 13,79,53,31,144 (P.Y. 1087.32 Cr.)
çkeS xuLSçk÷ rMkõÞwhexeÍYk. 13,79,53,31,144 (Yk. 1087.32 fhkuz ÃkkA÷k ð»koLke)Of the advances amount due from individuals
Rs. 6,61,67,82,662 ( P.Y. 520.05 Cr.)
WÃkhLkk rLkŠËü rÄhký Ãkife ÔÞrfík ÃkkMkuYk. 6,61,67,82,662 (Yk. 520.05 fhkuz ÃkkA÷k ð»koLke)Of the advances amount
overdue Rs. 22,04,90,230 (P.Y. 12.85 Cr.)
{wËíkðeíke hf{ Yk. 22,04,90,230 (Yk. 12.85 fhkuz ÃkkA÷k ð»koLke)Considered bad and doubtful
of recovery Rs. 5,18,442 (P.Y. 0.06 Cr.)
ytËkSík ¾hkçk yLku þf{tËYk. 5,18,442 (Yk. 0.06 fhkuz ÃkkA÷k ð»koLke)
42,21,18,68,188 39,03,39,42,218
1,25,67,66,240 7. Interest Receivable - {¤ðkÃkkºk ÔÞks : 1,45,70,09,063
Of which overdue considered bad
and doubtful of recovery Rs. 78,61,43,165
(P.Y. Rs. 66,27,52,024) (as per contra)
su Ãkife {wËíkðeíke ÔÞksLke hf{Yk. 78,61,43,165 (Yk. 66,27,52,024 fhkuz ÃkkA÷k ð»koLke)(Mkk{u ËþkoÔÞk {wsçk) ytËkS ¾hkçk yLku þf{tË.
3,28,33,02,780 8. Bills Receivable being - çkeÕMk heMkeðuçk÷ ¾kíku : 4,17,17,69,518
bills for collection (as per contra)(Mkk{u ËþkoÔÞk {wsçk)
0 9. Branch Adjustments - þk¾kyku ¾kíku (yuzsMx{uLx) 0
78,55,48,50,628 82,99,28,87,878
63,14,13,61,720
10,87,34,19,888 ÷ktçke {wËíkLke ÷kuLk si Ãkife
hkusLkwt MkhðiÞwtAS AT 31-03-2018
31.03.2018Rs.Rs.
PROPERTIES AND ASSETS - r{÷fík íkÚkk ÷uýwt31.03.2017Rs.
39
th48 Annual Report 2017-2018
77,05,36,99,950
— B) Medium Term Loans
{æÞ{ {wËíkLke ÷kuLk Ãkife
a) Government and other approved securities
Mkhfkhe yLku çkeS {kLÞ ò{eLkøkeheyku
b) Other tangible securities
xuLSçk÷ MkeõÞwhexeÍ
— C) Long Term Loans Of which secured against —
÷ktçke {wËíkLke ÷kuLk Ãkife
a) Government and other approved securities
Mkhfkhe yLku çkeS {kLÞ ò{eLkøkeheyku
b) Other tangible securities
xuLSçk÷ MkeõÞwhexeÍ
— 4) Loans from other sources - yLÞ MkkÄLkkuÚke ÷eÄu÷ ÷kuLk
(Sources and securities to be specified)(MkkÄLk yLku ò{eLkøkehe çkíkkððe)
3,28,33,02,780 6. Bills for collection being bills receivable (as per contra) 4,17,17,69,518çkeÕMk Vkuh f÷uõþLk : (Mkk{u ËþkoÔÞk {wsçk)
0 7. Branch Adjustments 0þk¾kyku ¾kíku (yuzsuMx{uLx)
67,24,66,161 8. Overdue Interest Reserve (as per contra) 80,19,97,266{wËík çknkhLkk ÔÞks {kxu yLkk{ík : (Mkk{u ËþkoÔÞk {wsçk)
46,60,39,068 9. Interest Payable - [qfððkÃkkºk ÔÞks 23,74,88,031
10. Other Liabilities - yLÞ sðkçkËkheyku
18,15,38,143 1) Bills Payable - çkeÕMk Ãkuyuçk÷ 15,00,66,449
7,400 2) Share Application Money - þuh yuÃ÷efuþLk {Lke 30,550
1,68,80,080 3) Unclaimed Dividend - rzrðzLz ykÃkðkLkwt çkkfe 1,28,74,864
66,43,08,767 4) Sundries (with clearing adjustments) - Ãkh[whý (õ÷eÞhªøk nkWMk Mkrník) 53,39,70,613
1,66,36,340 5) Staff Bonus - MxkV çkkuLkMk 1,69,57,129
4,25,37,172 6) Education Fund - rþûký Vk¤k 5,11,19,618
1,19,43,00,000 9) Income Tax Provision - ELf{xuûk «kuðeÍLk 1,75,51,00,000
7,09,91,310 8) Deferred Tax Liability - ze^zo xuûk ÷kÞkçke÷exeÍ 10,75,91,310
2,18,71,99,212 2,62,77,10,533
80,15,41,26,285 84,89,26,65,298
73,54,51,19,064
Of which secured against —
31.03.2017Rs.
31.03.2018Rs.Rs.
CAPITAL AND LIABILITIES - ¼tzku¤ íkÚkk Ëuðwt
BALANCE SHEET
íkk. 31-3-2018Lkk
40
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
82,99,28,87,878
10. Premises / Building (Less : Depreciation) 60,62,31,217MÚkkðh r{Õfík : (½Mkkhk çkkË)
0 11. Capital work in Progress - fuÃkex÷ ðfo ELk «kuøkúuMk 0
12. Furniture Fixture & Other Fixed Assets (Less : Depreciation) hk[hMke÷wt, szíkh íkÚkk yLÞ MÚkkðh yMfÞk{fíkku (½Mkkhk çkkË)
13,87,55,648 (I) Furniture & Fixture 14,40,94,964hk[h[e÷wt íkÚkk szíkh
7,17,20,724 (ii) Safe Deposit Vault 6,64,65,306÷kufh
49,29,980 (iii) Vehicles 38,25,787ðknLkku
6,37,65,366 (iv) I.T Equipments 4,27,03,331 ykE.xe. MkkÄLkku
0 (iv) Solar Power Plant 14,70,000 Mkku÷h Ãkkðh Ã÷kLx
27,91,71,718 25,85,59,388
13. Other Assets (to be specified) - yLÞ yMfÞk{íkku :
6,31,04,435 1) Stationery Stocks & Postal Stamps 7,02,66,219MxuþLkhe íkÚkk ÃkkuMx÷ MxuBÃkMk
7,86,01,431 2) Other Deposits 11,70,65,034
yLÞ rzÃkkuÍexku
7,14,26,057 3) Sundries (with clearing adjustments) 6,64,74,484Ãkh[whý (õ÷eÞhªøk nkWMk Mkrník)
1,32,57,54,551 4) Advance Income Tax & TDS 1,88,36,07,813 yuzðkLMk ELf{xuûk íkÚkk xe.ze.yuMk.
1,53,88,86,474 2,13,74,13,550
2,68,76,954 14. GOODWILL - økwzðe÷ : 0
— 15. Non banking assets acquired - in satisfaction of claims —Ëkðkyku Ãkuxu «kó fhu÷e yMfÞk{íkku
— 16. Profit & Loss Account - LkVk - LkwõþkLk ¾kíku —
81,01,23,70,853 85,99,50,92,033
78,55,48,50,628
61,25,85,079
hkusLkwt MkhðiÞwtAS AT 31-03-2018
31.03.2018Rs.Rs.
PROPERTIES AND ASSETS - r{÷fík íkÚkk ÷uýwt31.03.2017Rs.
41
th48 Annual Report 2017-2018
84,89,26,65,298
11. Profit & Loss Account -
84,11,32,014 Profit as per last Balance Sheet 85,82,44,568økÞk ð»koLkk MkhðiÞk {wsçk LkVku
84,11,32,014 Less : Appropriation 85,82,44,568çkkË : Vk¤ðýe
— —
85,82,44,568 Add : Profit for the year brought from the 1,10,24,26,735 1,10,24,26,735
Profit and Loss AccountW{uhku : [k÷w Mkk÷Lkk LkVk-íkkuxkLkk rnMkkçk {wsçk LkVku
12. Contingent Liabilities - ykfÂM{f sðkçkËkheyku : 1) Outstanding liabilities for
L/C, Guarantees issuedykÃku÷e yu÷.Mke. yLku økuhtxeyku Mkk{uRs. 5,66,69,21,297 ( P.Y. Rs. 418.33 Cr.) Yk. 5,66,69,21,297 (Yk. 418.33 fhkuz ÃkkA÷k ð»koLke)
2) Forward Contracts (Forex)
Rs. 25,78,47,40,000 (P.Y. Rs. 839.80 Cr.) Vkuhðzo fkuLxÙuõx (Vkuhuûk) Yk. 25,78,47,40,000(ÃkkA÷k ð»koLke Yk. 839.80 fhkuz)
2) Liabilities of DEAF Rs. 6,53,16,000 (P.Y. Rs. 5.24 Cr.) Yk. 6,53,16,000 (ÃkkA÷k ð»koLke Yk. 5.24 fhkuz)
81,01,23,70,853 85,99,50,92,033
80,15,41,26,285
LkVk - LkwõþkLk ¾kíkw :
31.03.2017Rs.
31.03.2018Rs.Rs.
CAPITAL AND LIABILITIES - ¼tzku¤ íkÚkk Ëuðwt
BALANCE SHEET
íkk. 31-3-2018Lkk
Significant Accounting Policies & Notes on Accounts Schedule - I
Navnitbhai Chimanlal Patel
Chairman
Vinod G. Dadlani
General Manager & CEO
Date : 18.05.2018
Place : Ahmedabad
Subject to our report of even date
FOR, R. S. PATEL & CO.
Chartered Accountants
FRN No. 107758W
RAJAN B. SHAH
Partner
Membership No. 101998
Date : 18.05.2018
Place : Ahmedabad42
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
81,01,23,70,853 85,99,50,92,033
81,01,23,70,853 85,99,50,92,033
Percy Faramroj Bharucha
Managing Director
Mineshbhai Jashbhai Patel
Vice Chairman
Directors
hkusLkwt MkhðiÞwtAS AT 31-03-2018
31.03.2018Rs.Rs.
PROPERTIES AND ASSETS - r{÷fík íkÚkk ÷uýwt31.03.2017Rs.
43
Shri Maganbhai
Shri Dr. Dineshbhai Manibhai Amin
Shri Bipinchandra Ratilal Shah
Shri Khodabhai Kalidas Patel (Upto 17-4-2018)
Shri Kiritbhai Rambhai Patel (From 17-4-2018)
Shri Kaushikbhai Nandubhai Patel (CA)
Ambubhai Patel Shri Bhalabhai Chhotabhai Patel
Shri Hasmukhbhai Gopaldas Patel
Shri Ambarbhai Jayantilal Patel
Shri Shaileshbhai Valjibhai Sonara
Smt. Purviben Anantanand Pokharial
Smt. Madhviben Tusharbhai Patel
th48 Annual Report 2017-2018
1) Interest on deposits, borrowings, etc. - 3,96,10,31,776
48,47,56,157 2) Salaries and Allowances, Provident Fund & Bonus etc. - Ãkøkkh, ¼ÚÚkk, «ku. Ãktz íkÚkk çkkuLkMk ðøkuhu 49,59,18,885
— 3) Directors & Local Committee Members' Fees & allowances - —rzhuõxMko, yLku MÚkkrLkf fr{xeLkk MkÇÞkuLke Ve íkÚkk ¼ÚÚkk
11,13,48,436 4) Rent,T axes, Insurance, Lighting etc. - ¼kzwt, fhðuhk, ðe{ku, ðes¤e rðøkuhu 12,58,13,396
47,15,880 5) Legal Fees - ÷eøk÷ Ve 11,70,292
1,37,32,156 6) Postage, Telegram & Telephone Charges - íkkh, xÃkk÷ yLku xur÷VkuLk [kSoMk 1,85,91,872
40,01,295 7) Audit Fees - ykurzx Ve 64,30,586
11,88,98,859 8) Depreciation on and repairs to Property - ½Mkkhku yLku r{÷fík {hk{ík 12,20,78,189
2,33,29,987 9) Stationery, Printing & Advertisement, etc. - MxuþLkhe, AkÃkfk{, ònuh¾çkh ðøkuhu 1,77,26,008
22,85,45,080 10) Other Expenditure - yLÞ ¾[o 19,60,93,604
2,68,76,952 11) Amortization of Goodwill - yu{kuhxkEÍuþLk ykuV økwzðe÷ 2,68,76,952
0 12) Provision for Stamp Franking Fraud- MxuBÃk £u®føk £kuzLkwt «kurðÍLk 1,08,50,710
9,00,00,000 13) Contigency Provision Aga. Std. Assets - MxkLzzo yuMkuxLkwt «kurðÍLk 0
4,34,00,000 14) Special Reserve - MÃkuþeÞ÷ heÍðo 5,70,00,000
10,80,00,000 15) Bad & Doubtful Debt Provision U/S 36(1) (viia) of I.T Act.1961 ( 2014) 16,27,25,035
«kurðÍLk Vkuh çkuz yLku zkWxVq÷ zuçx U/S 36(1) (viia) yuV.ykE.xe. yuõx 1961 (2014)
46,30,88,423 16) Income Tax Provision (Including Deffered Tax Liabilities Rs. 3,66,00,000/- ) 59,74,00,000
(P.Y .Inciuding Deffered Tax Liabilities Rs.1,99,88,423/-)
ELf{xuûk «kurðÍLk (W{uhku: rz^zo xuûk ÷kÞuçke÷exe Yk. 3,66,00,000 [k÷w Mkk÷u)(rz^zo xuûk ÷kÞuçke÷exe Yk. 1,99,88,423 ÃkkA÷k ð»koLke)
85,82,44,568 17) Profit carried forward to Balance Sheet - LkVku su MkhðiÞk{kt ÷E økÞk 1,10,24,26,735
6,90,21,34,040
3,93,45,06,748 ÚkkÃkýku yLku fhs WÃkh ÔÞks
6,51,34,44,541
31.03.2017Rs.
31.03.2018Rs.Rs.
EXPENDITURE - ¾[o
PROFIT AND LOSS ACCOUNT FOR
íkk. 31-3-2018Lkk hkus Ãkwhk Úkíkk
Significant Accounting Policies & Notes on Accounts Schedule - I
Navnitbhai Chimanlal Patel
Chairman
Vinod G. Dadlani
General Manager & CEO
Date : 18.05.2018
Place : Ahmedabad
Subject to our report of even date
FOR, R. S. PATEL & CO.
Chartered Accountants
FRN No. 107758W
RAJAN B. SHAH
Partner
Membership No. 101998
Date : 18.05.2018
Place : Ahmedabad44
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
1) Interest & Discount - 6,36,97,01,289
(Of which Interest from Investment Rs. 2,22,01,66,650/-)
( P.Y. Rs. 2,01,67,22,202/-)
(su Ãkife hfkýku Mkk{u {¤u÷ ÔÞks Yk. 2,22,01,66,650/-)
(Yk. 2,01,67,22,202 ÃkkA÷k ð»koLke/-)
7,86,87,496 2) Commission Exchange & Brokerage - f{eþLk, ðxkð yLku Ë÷k÷e 10,60,00,745
— 3) Subsidies & Donations - MkçkMkeze yLku zkuLkuþLk —
— 4) Income from non banking assets and profit from —
sale or dealing with such assets
LkkuLk çkUfªøk yMfÞk{íkkuLkk ðu[ký yøkh nuhVuhÚke ÚkÞu÷ ykðf
30,87,93,131 5) Other Receipts - çkeS ykðf 40,35,92,169
90,01,448 6) Profit on Sale of assets (Net of loss) - yMfÞk{íkkuLkk ðu[kýÚke ÚkÞu÷ LkVku 1,17,48,805
3,16,04,041 7) Prudential W/O Recovery - «wzuLþeÞ÷ hkEx ykuV hefðhe 1,10,91,032
9,00,00,000 8) Bad and Doubtful Debts Written Back 0
çkuz yLku zkWxVq÷ zuçx hexLko çkuf
0 9) Loss (if any) 0
6,90,21,34,040
5,99,53,58,425 ÔÞks yLku ðxkð
6,51,34,44,541
ð»koLkwt LkVk-LkwõþkLk ¾kíkwtTHE YEAR ENDED 31-03-2018
Percy Faramroj Bharucha
Managing Director
Mineshbhai Jashbhai Patel
Vice Chairman
Directors
Shri Ambubhai Patel
Shri Dr. Dineshbhai Manibhai Amin
Shri Bipinchandra Ratilal Shah
Shri Khodabhai Kalidas Patel (Upto 17-4-2018)
Shri Kiritbhai Rambhai Patel (From 17-4-2018)
Shri Kaushikbhai Nandubhai Patel (CA)
Maganbhai Shri Bhalabhai Chhotabhai Patel
Shri Hasmukhbhai Gopaldas Patel
Shri Ambarbhai Jayantilal Patel
Shri Shaileshbhai Valjibhai Sonara
Smt. Purviben Anantanand Pokharial
Smt. Madhviben Tusharbhai Patel
31.03.2017Rs.
31.03.2018Rs.Rs.
INCOME - ykðf
45
th48 Annual Report 2017-2018
SCHEDULE - I
NOTES FORMING PART OF BALANCE SHEET & PROFIT & LOSS ACCOUNT FOR
THE YEAR ENDED 31/03/2018.
(A) SIGNIFICANT ACCOUNTING POLICIES :
1. ACCOUNTING CONVENTION
The financial statements are prepared by following the going concern concept on historical cost basis unless otherwise
stated and conform to statutory provisions and practices prevailing in India.
2. USE OF ESTIMATES :
The preparation of financial statements in conformity with generally accepted accounting principles requires
management to make estimates and assumptions that affect the reported amounts of assets and liabilities and
disclosure of contingent liabilities at the date of the financial statements and the results of operations during the
reporting period end. Although these estimates are based upon management's best knowledge of current events and
actions, actual results could differ from these estimates.
3. ADVANCES :
(a) In terms of guidelines issued by the RBI, advances to borrowers are classified into “Performing” or “Non-
Performing” assets based on recovery of principal / interest. Non-Performing Assets (NPAs) are further classified as
Sub-Standard, Doubtful and Loss Assets.
(b) Provision for Standard Assets is made at the flat rate of 1%.
(c) N.P.A. Provision :
Provisions for losses made on non performing advances are on the basis of assets classification and provisioning
requirement as per the prudential norms prescribed by the Reserve Bank of India and revised from time to time as
under:
i) Substandard = 10%
II) Doubtful = 100% of unsecured portion plus
20%/30%/100% of the secured portion depending on the period
for which the advances has remained doubtful.
iii) Loss Assets = 100%
(d) Additional Provisions carried in accounts over and above requirements under the prudential norms prescribed by
the Reserve Bank of India, which can be considered as earmarked reserve is as follows.
i. Bad & Doubtful Debts Provision u/s 36 (1) (viia)
ii. Bad & Doubtful Debts Reserve
(e) The overdue interest in respect of advances is provided separately under Overdue Interest Reserve as per the
directive issued by the Reserve Bank of India.
4. FIXED ASSETS AND DEPRECIATION :
a) Fixed assets are stated at their historical cost less accumulated depreciation. Cost includes incidental expenses
incurred on acquisition of assets.
b) Premises and other fixed assets (including land wherever the cost of land is not segregated) are depreciated on
written down value method at the following rates.
46
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
c) Depreciation on I.T. equipments & Software is provided @ 33.33% on straight-line method as per RBI guidelines.
d) Depreciation on fixed assets purchased during the year is charged for the entire year if the assets are purchased
and retained for 180 days or more. Otherwise it is charged at 50% of the normal rate. No Depreciation is charged
on fixed assets sold before the half-year and depreciation @ 50% of the normal rate is provided for assets sold
after 30/09/2017.
e) Goodwill is amortized over a period of 5 years including the year of merger as per RBI Guidelines.
5. INVESTMENTS:
(a) The entire Investment portfolio of the bank is classified, in accordance with the Reserve Bank of India guidelines,
into three categories:
i. Held to maturity comprising of Investments acquired with the intention to hold them till maturity.
ii. Held for trading comprising of investments acquired with the intention to trade.
iii. Available for sale comprising of investments, which are not classified in above two categories.
(b) Investments are further categorised as :
i) Central & State Government Securities
ii) Approved Trustee Securities
iii) Shares of Co-operative Banks
iv) Shares
v) Other Investments (P.S.U. & A.F.I. Bonds)
vi) Debt/Money Market Liquid Fund Investments
(c) Investments classified as Held to maturity are carried at acquisition cost unless it is more than face value, in which
case the premium is amortized over the period remaining to maturity.
(d) Investments classified as Held for Trading and Available for Sale are marked to market scrip wise and the resultant
depreciation is recognized in profit & loss account. Net appreciation is ignored.
(e) Treasury Bills under all the classifications are shown at carrying cost.
(f) Profit or loss on sale of investments held for trading and available for sale is taken to the profit and loss account.
(g) Shifting from Held for Trading (HFT) category to Available for Sale (AFS) category is done at the Acquisition Cost
or Book Value or Market Value on the date of transfer, whichever is the least, and the depreciation, if any, on such
transfer is provided.
(h) For the purpose of valuation, market value in the case of Central and State Government securities, PSU bonds is
determined as per RBI guidelines on the basis of the “Yield to Maturity” indicated by Primary Dealers Association
of India (PDAI)/ Fixed Income and Money Market Derivatives Association of India (FIMMDA). Shares of co-
operative Banks and subsidiary company are stated at cost.
Sr. No. Particulars Rate of Depreciation
1. Building 5 %
2. Furniture Fixtures
A. General 15 %
B. Electric Items 25 %
3. Electric Fittings 20 %
4. Motor Vehicles 20 %
5. Lifts 25 %
6. A.C. Plant 25 %
7. Safe deposit vault 15 %
8. Solar Power Plant 25 %
47
th48 Annual Report 2017-2018
6. REVENUE RECOGNITION
Income/Expenditure are accounted on accrual basis except the following, which are accounted for on cash basis.
(a) Income:
i. Interest and other income on Non Performing Assets are recognized as per RBI guidelines.
ii. PMJBY commission is recognized on receipt basis.
7. EMPLOYEE BENEFITS:
I. Short Terms Employment Benefits
The undiscounted amount of short term employee benefits expected to be paid in exchange for services rendered
by employees is recognized during the period when the employee renders the services.
II. Post Employment Benefit Plans
a. Defined Contribution Plans:
• The Bank has Defined Contribution Plans for post employment benefits, charged to Profit & Loss Account, in
form of:
• “Provident Fund / Employee’s Pension Fund” administered by the Regional Provident Fund Commissioner.
b. Defined Benefit Plans :
• Funded Plan : The Bank has Defined Benefit Plan for post employment benefit in the form of Gratuity for all
employees administered through Trust, funded with Life Insurance Corporation of India.
• Liability for the above is provided on the basis of Actuarial valuation, as at the Balance Sheet date. The
Actuarial method used for measuring the liability is the “Projected Unit Credit Method.
III. Long Term Employment Benefits
The liability in respect of Compensated Absences which are expected to be availed or encashed beyond 12
months from the end of the year is treated as long term employment benefits. The Bank’s liability is actuarially
determined using the Projected Unit Credit method at balance sheet date & funded with Life Insurance
Corporation of India.
IV. The Actuarial gains and losses arising during the year are recognized in the Profit & Loss account for the year.
8. ACCOUNTING FOR AMALGAMATION
Accounting for Amalgamation in case of amalgamated Banks with the Bank is carried out as per the guidelines issued
by the RBI, from time to time.
9. ACCOUNTING FOR TAXES ON INCOME :
Current year tax is determined as the amount of tax payable in respect of taxable income for the year.
Deferred tax is recognized on timing difference between the accounting income and tax income that originate in one
period and are capable of reversal in one or more subsequent periods. Break up of Deferred Tax Liability (Net) as on
31/03/2018 is as under
Particulars Deferred tax Current year Deferred tax
(Liability) / (Charge)/ Credit (Liability) /
Asset as on to profit and Assets as on
01/04/2017 loss account 31/03/2018
• Difference between book depreciation -18.73 -39.02 -57.75
and depreciation as per income tax
(Including Goodwill)
• Special Reserve u/s 36(1)(viii) of -683.12 -197.22 -880.34
Income Tax Act, 1961
• Gratuity & Leave Encashment -8.06 -129.69 -137.75
• Disallowance u/s 40(1)(ia) 0 0
• Deferred Tax Liability (Net) -709.91 -365.93 -1075.84
(Rs. in Lacs)
48
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
10. FOREIGN CURRENCY TRANSACTIONS:
1. Foreign currency transactions are recorded on initial recognition in the reporting currency by applying to the
foreign currency amount of the exchange rate between the reporting currency and the foreign currency on the
date of the transaction.
2. Foreign currency monetary items are reported using the Foreign Exchange Dealers Association of India (FEDAI)
closing spot rates and exchange difference arising on the same is recognized in profit and loss account.
3. Contingent liabilities denominated in foreign currency are reported using the FEDAI closing spot rates.
4. Outstanding foreign exchange spot and forward contracts held for trading are revalued at the exchange rates
notified by FEDAI for specified maturities and the resulting profit or loss is included in the profit and loss account.
5. Exchange difference arising on the settlement of monetary items at rates different from those at which they were
initially recorded are recognized as income or expense in the period in which they arise.
11. EVENTS OCCURING AFTER THE BALANCE SHEET DATE
Material adjusting events (that provides evidence of condition that existed at the balance sheet date) occurring after the
balance sheet date are recognized in the financial statements. Non adjusting events (that are indicative of conditions
that arose subsequent to the balance sheet date) occurring after the balance sheet date that represents material change
and commitment affecting the financial position are disclosed in the reports of the Board of Directors.
12. PROVISION
Provisions involving substantial degree of estimation in measurement are recognized when there is a present obligation
as a result of past events and it is probable that there will be an outflow of resources even though the amount cannot
be determined with certainty and represents only a best estimate in the light of available information. Contingent
liabilities are not recognized but are disclosed in the notes. Contingent assets are neither recognized nor disclosed in
the financial statements.
13. Impairment of Assets:
A substantial portion of the bank's assets comprise of `financial assets` to which Accounting standard 28 “Impairment of
assets” is not applicable. In respect of assets to which Standard applies, in the opinion of the management, there are no
indications, internal or external, which could have the effect of impairing the value of the assets to any material extent
as at 31st March, 2018 requiring recognition in terms of the said standard.
14. Cash and Cash Equivalents:
Cash and cash equivalents include cash on hand and in ATM, balances with Reserve Bank of India, State Co. Op. Bank,
District Co. Op. Bank & Balances with other banks in current account.
(B) NOTES ON ACCOUNTS :
1. The Bank continues to be registered under Multi-State Co-op. Societies Act 1984 (as amended from time to time)
since 08.09.1995 on obtaining such registration. The bank has thereafter preferred to cancel the registration under
Gujarat State Co-operative Societies Act. 1961 effectively from 02.07.1996. The bank is having 51712 shareholders
as on 31-03-2018. No shareholder is holding more than 2.5% of the total shareholding of the bank.
49
th48 Annual Report 2017-2018
2. Under normal business transactions the bank has sanctioned loans to the members of the board of Directors
aggregating to Rs. 598.47 Lacs (Previous Year 553.91 Lacs) The aggregate balance outstanding as at 31.03.2018 is
Rs. 240.59 Lacs (Previous Year Rs. 239.78 Lacs) . All advances are in the nature of overdraft against fixed deposit
and are as per RBI Guidelines.
3 Provision for Non-Performing Assets
4. Previous year figures have been regrouped / rearranged to the extent necessary / practicable.
5. Estimated amount of contracts remaining to be executed on capital account & not provided for
(Net of Advances) : C.Y. Rs. 107.77 lacs (P.Y. Rs.22.99 lacs).
6. Other Commitment : C.Y. Rs. 0.00 lacs (P.Y. Rs.124.00 lacs)
7. Contingent Liabilities
Particulars Bad & Doubtful Debts Reserves &
Bad & Doubtful Debts Provision u/s 36 (1) (viia)
Balance as on 31.03.2018 17139.99
Less: Provision required 6432.21
Excess Provision held 10707.78
Sr. No. Particulars 31.03.2018 31.03.2017
A Contingent liabilities in respect of Bank guarantees,
Letters of credit, Forward contracts etc.
1 Bank Guarantee & Letter of Credit (including Buyers’ Credit) 56669.21 41833.40
2 Forward Contract (Forex) 257847.40 83980.48
B Claims not acknowledge as Debt
1 Income Tax Assessment order contested 611.07 1770.65
Particulars 2017-18 2016-17
Opening balance of amount transferred to DEAF 525.72 466.93
Add : Amount transferred to DEAF during the year 134.68 75.47
Less : Amount reimbursed by DEAF towards claims 7.24 16.68
Closing balance of amount transferred to DEAF 653.16 525.72
(Rs. in Lacs)
(Rs. in Lacs)
(Rs. in Lacs)
Above Income Tax & Service Tax demand comprises of disputed cases where Bank has filed appeals against the demand
and is confident to get favorable judgment.
In terms of DBOD circular No. DEAF Cell.BC.114/30.01.002/2013-14 dated May 27,2014, the Bank has transferred credit
balances amounting to Rs.75.47 lakhs(Previous year: 132.4 lakhs)(mentioned in sub-clause 1)to viii) in clause 3 of DEAF
Scheme 2014) maintained with the bank which have not been in operation for 10years or more. The required disclosure
as per the said circular is as under:
8. Bank has paid DICGC premium of Rs. 3,84,25,164/- (including GSTof Rs. 58,61,466/-) for half year ending
31st March, 2018 insuring deposits of Rs. 6512.74 crores.
9. Employees’ Benefits
In accordance with Accounting Standard (AS–15) “Employees Benefits”(Revised 2005), issued by the Institute of
Chartered Accountants of India, the obligation of the bank, on account of employee benefit, based on
independent actuarial valuation is accounted for in the books of account.
50
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
The Bank has classified the various benefits provided to employees as under :
(I) Defined Contribution Plans :
Provident Fund / Employees' Pension Fund
During the year, the bank has recognized the following amounts in the Profit & Loss Account
(II) Defined Benefit Plans:
(i) Contribution to Gratuity Fund
(ii) Contribution to leave encashment liability.
In accordance with Accounting Standard 15, relevant disclosures are as under.
(A) Changes in Defined Benefit Obligation
(i) Gratuity (Rs. In Lacs)
Employer’s Contribution to Provident Fund 181.98
(166.75)
Employers’ Contribution to Pension fund 111.58
(107.95)
The above amounts are included in salaries allowances & Provident Funds in the Profit & Loss Accounts.
Particulars 2017-2018 2016-2017
Defined Benefit Obligation as at the beginning of the year 2101.53 1916.63
Current Service Cost 156.64 148.34
Interest Cost 155.51 149.50
Benefit Paid (172.98) (126.31)
Past service Cost 1.73 0
Actuarial (gain) / loss on Obligations (147.13) 13.37
Defined Benefit Obligation as at the end of the year 2095.30 2101.53
(ii) Leave Encashment (Rs. In Lacs)
Particulars 2017-2018 2016-2017
Defined Benefit Obligation as at the beginning of the year 1914.37 1763.28
Current Service Cost 157.83 145.52
Interest Cost 141.66 137.54
Benefit Paid (127.66) (106.10)
Actuarial (gain) / loss on Obligations (107.66) (25.87)
Defined Benefit Obligation as at the end of the year 1978.54 1914.37
(Rs. In Lacs)
(B) Changes in the Fair Value of Plan Assets (Funded Scheme)
(i) Gratuity (Rs. In Lacs)
Particulars 2017-2018 2016-2017
Fair Value of Plan as at the beginning of the year 2127.27 1863.56
Expected Actual Return on plan Assets 151.07 140.43
Actuarial Gains/(Losses) 3.57 6.95
Contributions 246.51 242.64
Benefit Paid (172.98) (126.31)
Fair Value of Plan Assets as at the end of the year 2355.44 2127.27
51
th48 Annual Report 2017-2018
(C) Amount recognized in the Balance Sheet:
(i) Gratuity (Rs. In Lacs)
Particulars 2017-2018 2016-2017
Defined Benefit Obligation as at the end of the year 2095.30 2101.53
Fair Value of Plan Assets as at the end of the year 2355.44 2127.27
Liability / (Asset) recognized in the Balance Sheet included in (260.14) (25.74)
other liabilities and other assets respectively.
(ii) Leave Encashment (Rs. In Lacs)
Particulars 2017-2018 2016-2017
Fair Value of Plan as at the beginning of the year 2037.28 1941.69
Expected Actual Return on plan Assets 146.16 151.44
Actuarial Gains/(Losses) 4.26 1.56
Contributions 205.14 48.69
Benefit Paid (127.66) (106.10)
Fair Value of Plan Assets as at the end of the year 2265.18 2037.28
(ii) Leave Encashment (Rs. In Lacs)
Particulars 2017-2018 2016-2017
Defined Benefit Obligation as at the end of the year 1978.54 1914.37
Fair Value of Plan Assets as at the end of the year 2265.18 2037.28
Liability / (Asset) recognized in the Balance Sheet included in (286.64) (122.91)
other liabilities and other assets respectively.
(D) Expenses recognized in the Profit & Loss Account:
(i) Gratuity (Rs. In Lacs)
Particulars 2017-2018 2016-2017
Current Service Cost 156.64 148.34
Interest Cost 155.51 149.5
Past Service Cost 1.73 0
Expected Return on Plan Assets (151.07) (140.43)
Net actuarial (gain)/ Loss recognized in the period (150.70) 6.42
Total Expenses recognized in the P&L Account. 12.11 163.83
(ii) Leave Encashment (Rs. In Lacs)
Particulars 2017-2018 2016-2017
Current Service Cost 157.83 145.52
Interest Cost 141.66 137.54
Expected Return on Plan Assets (146.16) (151.44)
Net actuarial (gain)/ Loss recognized in the period (111.92) (27.42)
Total Expenses recognized in the P&L Account. 41.41 104.19
52
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
e) Mortality rates considered are as per the published rates in the Life Insurance Corporation (1994-1996) Mortality
table.
f) The estimates of future salary increases are considered in the actuarial valuation, taken on account of inflation,
security, promotion and other relevant factors such as supply and demand in the employment market.
10. The Bank is a Co-operative society under the Multi State Co-operative Society Act, 2002 and there are no related party
requiring disclosure under the AS-18 issued by the ICAI, other than one Key Management Personnel, viz. Mr. Vinod G.
Dadlani, General Manager & CEO of the Bank. However, having regard to the RBI circular
No.DBOD.BP.BC.89/21.04.018/2002-03 dated March 29, 2003, he being single party coming under the category, no
further details thereon are required to be disclosed.
11. As per Accounting Standard 17 issued by The Institute of Chartered Accountant of India for the segment reporting the
operation areas of bank is separated in to segments, which is as follows.
1. Types of products & services in each business segment :-
i) Treasury : Dealing operations in money market Instruments
ii) Other Banking Operations: Local Finance / Services.
2. Secondary Segment Information : Bank Caters mainly to the needs of Indian customers; hence separate
information regarding secondary segment i.e. Geographical Segment is not given.
3. Allocation of common cost: To the extent the cost can be directly identified they are allocated to related segment,
other common cost are allocated on reasonable basis.
4. Unallocated Items: Unallocated items include general banking items which are not allocated to any business
segment.
(E) Category of Plan Assets:
The Bank's plan Assets in respect of Gratuity & Leave encashment are funded through the Scheme of the Life
Insurance Corporation of India.
(F) Actuarial Assumptions
In accordance with Accounting Standard – 15, actuarial valuation as at year end of the year was performed in
respect of the aforesaid Defined Benefit Plans based on the following assumptions.
Particulars 2017-2018 2016-2017
Gratuity Leave Gratuity Leave
[Funded Encashment [Funded Encashment
Scheme] [Funded Scheme] [Funded
Scheme] Scheme]
a) Discount rate ( per annum) 7.60% 7.60% 7.40% 7.40%
b) Rate of Return on Plan Assets 7.40% 7.40% 7.80% 7.80%
c) Expected Retirement age of employees 58 years 58 years 58 years 58 years
d) Annual increase in Salary Cost 10.00% 10.00% 10.00% 10.00%
53
th48 Annual Report 2017-2018
2017-2018 2016-2017
Particulars Treasury Other Total Treasury Other Total
Banking Banking
Operations Operations
Segment Revenue 22858.45 46162.89 69021.34 20332.91 43901.54 64234.45
Unallocated Revenue -
Less ;
Segment Expenses 22089.90 29932.77 52022.67 16992.65 34028.47 51021.12.
Segment Profit 768.55 16230.12 16998.67 3340.26 9873.07 13213.33
INCOME TAX 5974.00 4630.88
NET PROFIT 11024.67 8582.45
Segment Assets 345720.36 445835.05 791555.41 284607.35 472701.14 757308.48
Unallocated Assets 18836.08 13257.54
Total Assets 345720.36 445835.05 810391.49 284607.35 472701.14 770556.02
Segment Liabilities 288171.95 371621.61 659793.56 240093.14 398767.98 638861.12
Unallocated Liabilities 18626.91 12652.91
Total Liabilities 288171.95 371621.61 810391.49 240093.14 398767.98 651514.03
Capital Employed (Segment 57548.41 74213.14 131761.85 44514.21 73933.15 118447.36
Assets– Segment Liabilities)
Unallocated 209.17 604.63
Total Capital Employed 57548.41 74213.14 131971.02 44514.21 73933.15 119051.99
12. Details of Computer Software – other than internally generated (AS-26) (Rs. In Lacs)
Particulars As on 31.03.2018 As on 31.03.2017stOpening Balance (at cost) as on 1 April 903.90 740.54
Add : Addition during the year 99.84 163.36
Less : Deduction during the year --- ---
Sub-Total (A) 1003.74 903.90
Less : Amortisation made :
Opening Balance 754.86 641.71
Add : Amortisation during the year 63.72 113.15
Less : Deduction during the year --- ---
Sub-Total (B) 858.18 754.86stNet carrying amount as on 31 March 185.16 149.04
13. Details of Goodwill & its amortization (Rs. In Lacs)
Particulars As on 31.03.2018 As on 31.03.2017stOpening Balance (at cost) as on 1 April 1343.85 1343.85
Add : Addition during the year --- ---
Sub-Total (A) 1343.85 1343.85
Lees : Amortisation made :
Opening Balance 1075.08 806.31
Add : Amortisation during the year 268.77 268.77
Sub-Total (B) 1343.85 1075.08stNet carrying amount as on 31 March 0.00 268.77
54
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
14. Disclosure of various information as required by RBI circular no UBD CO.BPD.(PCB) CIR. No. 52/12.05.001/2013-14
dated 25.03.2014 is as under: - (Rs. In Crores)
Sr. Particulars As on As on
No. 31.03.2018 31.03.2017
1 Movement of CRAR:
(a) Tier – I Capital 15.29% 15.49%
(b) Tier – II Capital 1.44% 1.39%
Capital Adequacy Ratio (CRAR) (Total) 16.73% 16.88%
2 Investments:
a) Book value of investments 2438.61 2184.89
b) Face value of investments 2385.86 2125.08
c) Market value of investments 2404.94 2233.23
3. Advances against real estate, construction business 164.80 128.01
4 Advances against housing 494.66 379.42
5 Advances against shares & debentures 0.31 0.94
6 Advances to directors, their relatives, companies / firms in which they are interested:
a) Fund-based (Against Fixed Deposits) 2.41 2.40
b) Non-fund based (Guarantees, L/C, etc.) 0.00 0.00
7 Cost of Deposits :Average cost of deposits 6.26% 6.90%
8 Movement in NPAs
a) Gross NPAs 70.56 61.98
b) Gross NPAs to Gross Advances % 1.81% 1.47%
c) Net NPAs 0.00 0.00
d) Net NPAs to Net Advances % 0.00% 0.00%
Movement in NPAs(Rs)
a) Gross NPA at the beginning of the year 61.98 74.07
Add: Addition during the year 47.72 27.68
Less: reduction during the year -39.14 -39.77
At the end of the year 70.56 61.98
b) Net NPA at the beginning of the year 0.00 0.00
Add: Addition during the year 0.00 0.00
Less: reduction during the year 0.00 0.00
At the end of the year 0.00 0.00
9 Profitability:
a) Interest income as a percentage of working funds 8.52% 7.78%
b) Non-interest income as a percentage of working funds 0.66% 0.56%
c) Operating profit as a percentage of working funds 2.37% 1.91%
d) Return on Assets 1.40% 1.21%
e) Business (Deposits + Advances) per employee 12.81 12.94
f) Profit per employee 0.14 0.11
10 Provisions made towards NPAs, depreciation in investments 215.13 198.93
11 Movement in provisions:
a) Towards NPAs 128.72 112.52
b) Towards depreciation on investments 86.41 86.41
c) Towards standard assets 42.68 33.68
55
th48 Annual Report 2017-2018
12 Foreign currency assets & liabilities:
(i) Assets 19.14 11.45
(ii) Liabilities 3.53 8.04
13 Payment of DICGC Premium 6.29 5.40
14 Penalty Impose by RBI --- ---
15 Restructured Accounts --- ---
16 Issuer Composition of Non SLR Investments and As per below As per below
Non Performing Non SLR Investments
15. Disclosure of various information as required by RBI circular no UBD (PCB) BPD Cir No: 14 /16.20.000/2007-08
dated 18.09.2007 is as under :-
1. Issuer composition of NON SLR Investments
2. Non Performing Non-SLR Investment (Rs. In Crores)
Particulars Amount
• Opening balance NIL
(NIL)
• Additions during the year since 1st April NIL
(NIL)
• Reduction during the above period NIL
(NIL)
• Closing balance NIL
(NIL)
• Total provision held NIL
(NIL)
56
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
Sr. Issuer Amount Extent of Extent of Extent of
No. below investment unrated unlisted
grade Securities securities securities
1 PSUs 13,69,50,000 - - -
(18,38,37,480 ) ( - ) ( - ) ( - )
2 FI’s 2,25,10,85,000 - - -
(220,10,85,000) ( - ) ( - ) ( - )
3 Nationalized Banks 25,00,00,000 - - -
(25,00,00,000) ( - ) ( - ) ( - )
4 Preference Shares of CCIL Ltd 14,00,00,000 - - 14,00,00,000
(19,00,00,000) ( - ) ( - ) (19,00,00,000)
5. Shares of NPCI 24,99,200 - - 24,99,200
(24,99,200) ( - ) ( - ) (24,99,200)
6 Others 9,64,23,200 - - -
(14,83,73,200) ( - ) ) (14,83,73,200)
7 Provision held towards depreciation 26,50,000 - - -
(31,67,480) ( - ) ( - ) ( - )
TOTAL 2,87,44,58,200 - - 14,24,99,200
(2,97,32,95,680) ( - ) ( - ) (33,83,73,200)
3. Additional Information of Investments
Particulars 31-03-2018 31-03-2017
1 Classification of Investments
Held to Maturity (HTM) 529.84 521.98
Held for Trading (HFT) 0.00 0.00
Available for sale (AFS) 1908.50 1662.63
Total Investments 2438.34 2184.61
2 Composition of Investments
SLR Investments
Central Govt. Securities 1579.21 1450.53
State Govt.Securities 261.43 226.50
Treasury Bills 0.00 0.00
Non SLR Investments
PSU Bonds 273.45 278.33
DEBT/ Money Market Mutual Funds 310.00 210.00
CCIL Preference Shares 14.00 19.00
NPCI Shares 0.25 0.25
Total Investments 2438.34 2184.61
3 Provisions for Depreciation in Value of Investments
Held in Books (IFR+IDR) 117.62 117.62
Erosion in Value of Investments (HTM+AFS) 41.42 13.03
Excess/(Short) Provision 76.20 104.59
16. There were no Repo/Reverse Repo Transactions during the year, other than LAF based Reverse Repo Transaction.
17. No penalty has been imposed by RBI on the Bank during the year.
18. Disclosure regarding Market Risk in Trading Book
[A] Qualitative Disclosures
In Trading book the Bank holds "Held for Trading "(HFT) and "Available for Sale "(AFS) portfolios of investments. The
rest of the assets – i.e. Investments under Held to Maturity portfolio and advances - are treated as Banking Book. Given
below is brief description of the Market Risk Management objectives and policies.
(i) Strategies and Processes:
Under Market Risk Management, Liquidity Risk, Interest Rate Risk and Foreign Exchange Risk, are monitored. Bank
is currently not trading in commodities and Equities.
• Liquidity Risk
ALM statement is scrutinized for monitoring Liquidity risk on a monthly basis. Prudential limit – for percentage of
cumulative mismatch to cumulative outflow - based on Reserve Bank of India guidelines for the short-term
buckets up to 28 days is monitored. Besides, prudential limits are in place for market borrowing – Daily and
average call borrowing – Inter Bank Liabilities, Purchased funds etc.
• Interest Rate Risk
Bank is analyzing Interest Rate sensitivity statement to assess the impact on Net interest income on monthly basis.
The Bank also uses duration gap analysis. Prudential limits have been fixed for duration of liabilities. Bank's
investments portfolio is monitored on the basis of duration analysis.
(Rs. In Crores)
57
th48 Annual Report 2017-2018
• Foreign Exchange Risk
The Bank has fixed maximum daylight and overnight exposure for foreign exchange exposure in various
currencies as per RBI guidelines. Bank is undertaking mostly merchant transactions & covering the same in the
market. Also bank has fixed stop loss limits for monitoring the forex operations of the dealers.
(iii) Scope and nature of risk reporting and / or measurement systems:
In respect of domestic business the guidelines stipulated by RBI for managing Market Risk is followed such as –
Preparation of Interest Rate Sensitivity statement on a monthly basis – Duration analysis of investments in the
Trading book on a daily basis.
Various prudential measures have been put in respect of market borrowing and lending in conformity with RBI
guidelines for monitoring liquidity risk. Structural Liquidity statement is prepared on monthly basis and Short
Term Dynamic Liquidity statement on a fortnightly basis is generated and Dynamic liquidity is monitored.
[B] Quantitative Disclosures Capital Charge (Rs. in Lacs)
• Interest Rate Risk 9834.44
• Equity Position Risk ---
• Foreign Exchange Risk 135.00
19. Suppliers / service providers covered under Micro, Small, Medium Enterprises Development Act, 2006, have not
furnished the information regarding filing of necessary memorandum with the appropriate authority. Therefore,
information relating to cases of delays in payments to Micro and Small enterprise or of interest payments due to delays
in such payments could not be given.
20. Figures are given in “Amount in Rupees “.
For, R. S. Patel & Co.
Chartered Accountants
FRN: 107758w
Rajan B. Shah
Partner
Membership No.101998
Place: Ahmedabad
Date: 18.05.2018
Place: Ahmedabad
Date: 18.05.2018
Navnitbhai C. Patel
Chairman
Percy F. Bharucha
Managing Director
Mineshbhai J. Patel
Vice Chairman
Directors.
Vinod G. Dadlani
General Manager & CEO
58
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
31.03.2018 31.03.2017
(A) Cash Flow From operating activities
Net Profit before Taxation and Extraordinary items: 1919551 1472733
Adjustments for:
i) Depreciation on Fixed Assets 107225 108525
ii) Provisions & Contingencies
iii) Profit//loss on sale of Assets -11749 -9001
iv) Amortization Goodwill 26877 26877
v) Amortization of premium HTM 21838 23579
vi) Bad Debt writen off
vii) Provision for Bad & Doubtful Debt written back - -
viii) Provision for Bad & Doubtful Debt u/s 36(1) (viia) of I.T. Act written back - -
ix) MMC Bank Deposit written off
x) Provision for Doubtful Deposit written back 0 0
xi) Investment Written off - -
xii) Provision for IDR(MMCB) Written Back
144191 149980
Operating Profit before Working Capital Changes 2063742 1622713
Adjustments for Increase/Decrease in:
i) Advances 3177926 -8867173
ii) Other Assets -117526 -130160
iii) Investments -2559132 -2674641
iv) Deposits & Other Liabilities 2076983 10803227
V) Fixed Deposit -3362442 1035520
VI) Money at call short(Reverse Repo) -39443 -1060000
-823634 -893227
Cash Generated from Operations 1240108 729486
Direct Taxes paid -557853 -438509
Less: Refund 0 0
Direct Taxes including (Net of Refund) -557853 -438509
Cash Flow before extraordiinary item 682255 290977
Extra Ordinary Items 0 0
Net Cash Flow from operating activities 682255 290977
(B) Cash Flow from investing activities
Purchase of Fixed Assets & Addition on account of Merger (net of sales) -68509 -268782
Goodwill on Merger
Capital Reserve on Merger 0 0
Net cash from investing activities -68509 -268782
613746 22195
(C) Cash Flow from Financing Activities
Increase in Share Capital & Nominal Mem. 7026 10991
Dividend -99315 -99625
Payment for Charities/Donations -9449 -7575
Payment for Scholarships/Member Incentives 10851 -3192
Entrance fee 463 650
Movement of Reserve 64755 -16090
Net Cash From financing activities -25669 -114841
Net Increase in cash and cash equivalents 588077 -92646
Cash & Cash equivalents as at (Opening) 3009451 3102097
Cash & Cash equivalents as at (Closing) 3597528 3009451
3597528 3009451
stWe have examined the above cash flow statement of The Kalupur Commercial Co Op bank Ltd for the year ended 31 March, 2018. The statement has been
prepared by the bank as per Accounting Standard-3 issued by ICAI and is in agreement with the corresponding Profit & Loss Account and Balance Sheet of the
Bank covered by our even dated report to the members of the Bank.
SCHEDULE - II
Cash Flow Statement for the Year Ended 31st March, 2018
Place: Ahmedabad
Date: 18.05.2018
For, R. S. Patel & Co. Chartered Accountants FRN: 107758w
Rajan B. ShahPartnerMembership No.101998
(Rs. in '000)
59
th48 Annual Report 2017-2018
þk¾k rðfkMk Mkr{ríkyku / Branch Development Committees
þk¾k rðMíkkhLkk yøkúøkÛÞ økúknfku{ktÚke çkUfu þk¾k rðfkMk Mkr{ríkykuLke h[Lkk fhe Au. yk
Mkr{ríkyku þk¾kLkk økúknfkuLku Lkzíkk «&™ku - Mkq[LkkuLku Ëh çku {kMku {¤íke íku{Lke r{xªøk{kt ðk[k ykÃku
Au yLku çkUfLkk çkkuzo ykuV rzhuõxMkoLku ÃknkU[kzu Au yLku rLkhkfhý þkuÄðk{kt MknkÞYÃk çkLku Au, ykðe
Mkr{ríkykuLke h[LkkÚke MÚkkrLkf Mknfkhe Lkuík]íð W¼wt ÚkkÞ Au. çkUfªøk MkuðkykuLkk ÏÞk÷ yk{ sLkíkk
MkwÄe ÃknkU[kzðk{kt MknkÞYÃk çkLku Au. çkUfLku ykðe yøkúøkÛÞ ÔÞÂõíkykuLkwt ÃkeXçk¤ {¤u Au yLku
çkUfLke þk¾ ðÄkhðk{kt Lk¬h ¼qr{fk ¼sðu Au.
fk÷wÃkwh þk¾kMÚkkÃkLkk : 05-12-1970
• ©e LkðLkeík¼kE Mke. Ãkxu÷• ©e f{÷uþ¼kR «ký÷k÷ þkn• ©e h{uþfw{kh hk{feþLkËkMk òsw• ©e «ýð¼kE rfhex¼kE Mkt½ðe• ©e rLkhð¼kE {Þwh¼kE þkn• ©e Søkh çke. þkn - þk¾k {uLkush
415, [ku¾k çkòh, fk÷wÃkwh, y{ËkðkË-380002.
VkuLk Lkt. : 22139422, 22123337E-mail : [email protected]
MICR CODE : 380126002IFSC CODE : KCCB0KLP001
¾ku¾hk {nu{ËkðkË þk¾kMÚkkÃkLkk : 26-05-1976
•• ©e hkSð¼kR Mkw¼k»k¼kR Xkfkuh• ©e f{÷uþ¼kR LktË÷k÷¼kR þuX• ©e nu{tík¼kR sþðtík÷k÷ Ãkhe¾• ©e çkehuLk¼kR [eLkw¼kR þkn• ©e ÃkheLk S. {kuËe - þk¾k {uLkush
1, LÞw økúuRLk {kfuox, økkÞºke zuhe ÃkkMku, ¾ku¾hk {nu{ËkðkË, y{ËkðkË-380008.
VkuLk Lkt. : 22934078, 22930065E-mail : [email protected]
MICR CODE : 380126003IFSC CODE : KCCB0KMD002
©e LkðLkeík¼kE Mke. Ãkxu÷
çkkð¤k þk¾k MÚkkÃkLkk : 22-08-1977
•• ©e hkurník¼kR ¼kuøke÷k÷ Ãkxu÷• ©e Mk{eh¼kR nMk{w¾¼kR Ãkxu÷• ©e n»ko˼kR sÞtrík¼kR Ãkxu÷• ©e hk{w¼kR Sðý¼kR Ãkxu÷• ©e {nuLÿfw{kh [tËw÷k÷ Ãkxu÷• ©e økkuÃkk÷ çke. Ãkxu÷ - þk¾k {uLkush
ykh. yu. Ãkxu÷ fkuBÃk÷uûk, ({w¾eLkwt SLk) MxuþLk hkuz. çkkð¤k-382220. S. y{ËkðkË
VkuLk Lkt. : (02714) 232878, 232782E-mail : [email protected]
MICR CODE : 380126023IFSC CODE : KCCB0BVL003
©e nMk{w¾¼kR økkuÃkk÷ËkMk Ãkxu÷
çkkhuò þk¾kMÚkkÃkLkk : 14-12-1978
• ©e nMk{w¾¼kR økkuÃkk÷ËkMk Ãkxu÷• ©e h{ý¼kR ytçkk÷k÷ Ãkxu÷• ©e nrhr¢»ý¼kR ¼økðkLkËkMk Ãkxu÷• ©e «¿kuþ¼kR økkuhÄLk¼kR Ãkxu÷• ©e MktsÞ¼kR ÃkhMkku¥k{ËkMk Ãkxu÷• ©e Ãkhuþ¼kR rðLkku˼kR økßsh• ©e {nuLÿ¼kR Lkxðh÷k÷ Ãkxu÷• ©e ¼hík¼kR hýAkuz¼kR Ãkxu÷• ©e ÞkuøkuLk¼kE ¼÷k¼kE Ãkxu÷• ©e ði¼ð su. þkn - þk¾k {uLkushÃkt[ ¼køk ÃkkMku, íkeLkçk¥ke, çkkhuò - 382425, S. y{ËkðkË.VkuLk : (02718) 233917, 282229E-mail : [email protected] CODE : 380126024IFSC CODE : KCCB0BRJ004
MkkýtË þk¾k MÚkkÃkLkk : 24-10-1980
• ©e nMk{w¾¼kR økkuÃkk÷ËkMk Ãkxu÷• ©e hkuneíkfw{kh çkwÄk÷k÷ {nuíkk• ©e ®n{ík÷k÷ Akuxk÷k÷ Ãkxu÷• ©e þk{S¼kR hk{S¼kR Ãkxu÷• ©e f{÷uþ fu. Ãkxu÷ - þk¾k {uLkush
¾heË ðu[ký Mkt½ ÃkkMku, Lk¤ Mkhkuðh ºký hMíkk, MkkýtË - 382110. S. y{ËkðkË.
VkuLk Lkt.: (02717) 224351, 222247E-mail : [email protected] CODE : 380126025IFSC CODE : KCCB0SNN005
WM{kLkÃkwhk þk¾kMÚkkÃkLkk : 12-11-1980
• ©e çkeÃkeLk[tÿ híke÷k÷ þkn• ©e WÃkuLÿ¼kR økýÃkík¼kR Ãkxu÷• ©e y{úík÷k÷ {kÄð÷k÷ Ãkxu÷• ©e ðMktík¼kR þeð÷k÷ þkn• ©e Ëe÷eÃk¼kR ÷û{ý¼kR Ãkxu÷• ©e hksuþ Ãke. þkn - þk¾k {uLkush
rfíkeo Mkkøkh fkuBÃk÷uûk, hýAkuzS {trËh ÃkkMku, WM{kLkÃkwhk, y{ËkðkË - 380013.
VkuLk Lkt.: 27561140, 27552842E-mail : [email protected] CODE : 380126004IFSC CODE : KCCB0USM006
60
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
ðxðk þk¾kMÚkkÃkLkk : 29-08-1983
• ©e {eLkuþ¼kE sþ¼kE Ãkxu÷• ©e ¼qÃkuLÿ¼kR Mke. Ãkxu÷• ©e h{uþ¼kR Lkxðh÷k÷ Ãkxu÷• ©e rçkrÃkLk¼kR Y½LkkÚk¼kR Ãkxu÷• ©e yLktøk¼kR fwtsrðnkhe þkn• ©e «Vw÷¼kR {kuíke÷k÷ ðu÷kýe• ©e hkfuþ¼kR fktrík¼kR Ãkxu÷• ©e rníku»k¼kR rðê÷¼kR Ãkxu÷• ©e f]ýk÷ {eLkuþ¼kE Ãkxu÷• ©e WŠ{÷ yuLk. þkn - þk¾k {uLkush
Ã÷kux Lkt. 1110, S.ykR.ze.Mke. VuÍ-3, yuV-hkuz, ykçkkË çkufhe ÃkkMku, ðxðk, y{ËkðkË - 382445.VkuLk Lkt.: 25831067, 25890691E-mail : [email protected] CODE : 380126007IFSC CODE : KCCB0VTV009
Mkku÷k hkuz þk¾kMÚkkÃkLkk : 17-07-1987
• ©e ¾kuzk¼kR fkr÷ËkMk Ãkxu÷• ©e fktíke¼kR y{Úkk¼kR Ãkxu÷• ©e h{uþ¼kR fuþð÷k÷ Ãkxu÷• ©e çkeÃkeLk¼kR {q¤S¼kR ¼÷kðík• ©e fktíke¼kR Þw. Ãkxu÷• ©e nMk{w¾¼kR Lkxðh÷k÷ Ãkxu÷• ©e Søkh ze. Ãkxu÷ - þk¾k {uLkush
1, íkeÚkoLkøkh MkkuMkkÞxe, rð.-3, MkðkuoËÞ MkkuMkkÞxe rð-1 Mkk{u, ¼qÞtøkËuð [kh hMíkk, Mk¥kkÄkh hkuz, Mkku÷k hkuz, y{ËkðkË - 380061.
VkuLk Lkt.: 27433529, 27452471E-mail : [email protected] CODE : 380126010IFSC CODE : KCCB0SLR012
Mkutx ÍurðÞMko Mfw÷ hkuz þk¾kMÚkkÃkLkk : 15-05-1983
• ©e {eLkuþ¼kR sþ¼kR Ãkxu÷• ©e ykþe»k¼kR þtfh÷k÷ økwY• ©e ¼økðík«MkkË {ýe÷k÷ Ãkxu÷• ©e fLkw¼kE økkuÃkk÷ËkMk Ãkxu÷• ©e rðLkkuË çke. Ãkxu÷ - þk¾k {uLkush
yûkh ykfuoz, {u{Lkøkh VkÞh MxuþLk Mkk{u, LkðhtøkÃkwhk, y{ËkðkË - 380009.
VkuLk Lkt.: 26462241, 26462242E-mail : [email protected] CODE : 380126006IFSC CODE : KCCB0SXS008
Ãkºkfkh fku÷kuLke þk¾kMÚkkÃkLkk : 12-09-1986
• ©e {eLkuþ¼kE sþ¼kE Ãkxu÷• ©e çkeÃkeLk[tÿ híke÷k÷ þkn• ©e LkøkeLk¼kR {tøk¤ËkMk þkn• ©e søkËeþ¼kR {økLk÷k÷ {w÷kýe• ©e þktíke÷k÷ økehÄh÷k÷ Ãkxu÷• ©e fuíkLk¼kE økku®ðË÷k÷ Ãkxu÷• ©e rLkhð yu. Ãkxu÷ - þk¾k {uLkush
ytfwh fku{ŠþÞ÷ fkuBÃk÷uûk, ytfwh çkMk MxuLz ÃkkMku, LkkhýÃkwhk, y{ËkðkË - 380013.
VkuLk Lkt.: 27433028, 27452350E-mail : [email protected] CODE : 380126009IFSC CODE : KCCB0PCR011
Ãkt[ðxe þk¾kMÚkkÃkLkk : 04-04-1989
• ©e LkðLkeík¼kR [e{Lk÷k÷ Ãkxu÷• ©e ¼÷k¼kE Akuxk¼kE Ãkxu÷• ©e ¼qÃkuLÿ¼kR sÞtíke÷k÷ þkn• ©e ySík¼kR h{ý÷k÷ þkn• ©e Ãkhuþ¼kR Lkxðh÷k÷ ík÷kxe• ©e hkfuþ ykE. siLk - þk¾k {uLkush
MkLk ÃkkuRLx, þktíke MkËLk MkkuMkkÞxe, Ãkhe{÷ økkzoLk ÃkkMku, yu÷eMkçkúes, y{ËkðkË - 380006.
VkuLk Lkt.: 26444952, 26466930E-mail : [email protected] CODE : 380126011IFSC CODE : KCCB0PCV013
yuMk. yu{. hkuz þk¾kMÚkkÃkLkk : 08-11-1981
• ©e zkp. rËLkuþ¼kR yu{. y{eLk• ©e «n÷k˼kR ytçkk÷k÷ Ãkxu÷• ©e fhþLk¼kR f[hk¼kR Ãkxu÷• ©e fLkw¼kR fk¤eËkMk Ãkxu÷• ©e MkwhuLÿ¼kR Mke. Ãkxu÷• ©e sir{Lk¼kR søkËeþ¼kR þkn• ©e rððuf¼kR «n÷k˼kR Ãkxu÷• ©e íkkhf¼kR su. Ãkhe¾ - þk¾k {uLkush
1, ðMktík hsçk MkkuMkkÞxe, Ãke yuLz xe. fku÷kuLke ÃkkMku, Mkuxu÷kRx hkuz, Mkuxu÷kRx, y{ËkðkË-380015.
VkuLk Lkt.: 26731182, 26764450E-mail : [email protected] CODE : 380126005IFSC CODE : KCCB0SMR007
yk©{ hkuz þk¾kMÚkkÃkLkk : 01-07-1986
• ©e {eLkuþ¼kR sþ¼kR Ãkxu÷• ©e ¼qÃkuLÿ¼kR sÞtíke÷k÷ þkn• ©e fehex¼kR hk{¼kR Ãkxu÷• ©e rÄhuþ¼kR ík÷f[tË þkn• ©e økkiík{¼kR þktrík÷k÷ þkn• ©e ytçkk÷k÷¼kR çke. Ãkt[k÷ (Retd. IAS)
• ©e{íke r{¥k÷çkuLk {ki÷ef¼kR Ãkxu÷• ©e f{÷uþfw{kh rfþLk[tË siLk• ©e «Vw÷¼kR yu{. Ãkxu÷ - þk¾k {uLkush
‘fk÷wwÃkwh çkUf ¼ðLk’, RLf{xuûk Mkfo÷ ÃkkMku, yk©{ hkuz, y{ËkðkË - 380014.
VkuLk Lkt.: 27582020-26, 27582030E-mail : [email protected] CODE : 380126008IFSC CODE : KCCB0ASR010
ðMºkkÃkwh þk¾kMÚkkÃkLkk : 10-06-1994
• ©e ¼÷k¼kR Akuxk¼kR Ãkxu÷• ©e çktMke¼kR {nkMkw¾¼kR Ãkxu÷• ©e ySík®Mkn çke. {rnzk• ©e MkwhuLÿ¼kR yu{. MkkuLke• ©e yLktík¼kE ze. Ãkxu÷• ©e íkÃkLk su. X¬h - þk¾k {uLkush
rn{k÷Þk ykfuoz, ðMºkkÃkwh ÷uf Mkk{u, ðMºkkÃkwh, y{ËkðkË - 380015.
VkuLk Lkt.: 26750673, 26752049E-mail : [email protected] CODE : 380126013IFSC CODE : KCCB0VSR015
Lkðk ðkzs þk¾kMÚkkÃkLkk : 05-07-1994
• ©e fuíkLk¼kR SíkuLÿ¼kR Ãkxu÷• ©e sÞf]»ý¼kR Açke÷ËkMk Ãkxu÷• ©e ¼ku¤k¼kR huðLkËkMk Ãkxu÷• ©e rðMkk¼kR ¾kuzeËkMk Ãkxu÷• ©e ft[Lk¼kR Vkuøkx÷k÷ Ãkt[k÷• ©e Ãk÷f¼kR Mke. þkn - þk¾k {uLkush
rLk÷ fkuBÃk÷uûk, ÔÞkMkðkze Mkk{u, Lkðk ðkzs, y{ËkðkË - 380013.
VkuLk Lkt.: 27646976, 27645352E-mail : [email protected] CODE : 380126015IFSC CODE : KCCB0NVW016
61
th48 Annual Report 2017-2018
RMkLkÃkwh þk¾kMÚkkÃkLkk : 15-06-1995
• ©e nMk{w¾¼kR økkuÃkk÷ËkMk Ãkxu÷• ©e h{uþ¼kR fkLkS¼kR ÷k¾kýe• ©e MkwnkMk¼kR yh®ð˼kR Mkknuçkk• ©e rË÷eÃk¼kR yku. þkn• ©e W{uþ su. Ãkkxe÷ - þk¾k {uLkush
2, ykMkkuÃkk÷ðLkøkh MkkuMkkÞxe, hk{ðkze çkMk MxuLz ÃkkMku, RMkLkÃkwh, y{ËkðkË - 382443.
VkuLk Lkt. : 25330540, 25397500E-mail : [email protected] CODE : 380126016IFSC CODE : KCCB0ISP019
ykýtË þk¾kMÚkkÃkLkk : 26-03-1996
• ©e ÃkhMke Vhk{hkus ¼Y[k• ©e LkðLkeík¼kR {ýe¼kR Ãkxu÷• ©e {eíkuþ¼kR h{uþ¼kR Ãkxu÷• ©e fLkw¼kR [tËw¼kR Ãkxu÷• ©e rfhý¼kR RLËw¼kR Ãkxu÷• ©e n»ko˼kE yu{. Ãkxu÷ - þk¾k {uLkush
sÞ xkðh, y{w÷ zuhe hkuz, ykýtË - 388001, S. ykýtË.
VkuLk Lkt.: (02692) 240303, 242303E-mail : [email protected] CODE : 388126001IFSC CODE : KCCB0ANN022
çkkuÃk÷ þk¾kMÚkkÃkLkk : 10-06-1995
• ©e ytçkw¼kR {økLk¼kR Ãkxu÷• ©e «fkþ¼kR sÞtíke÷k÷ Ãkxu÷• ©e ¼ðMkkøkh®Mkøk çke. {wtò÷• ©e Þkuøkuþ¼kR zkÌkk¼kR ©eÄh• ©e nMk{w¾¼kE þt¼w¼kE Ãkxu÷• ©e f]ýk÷ su. Ãkxu÷ - þk¾k {uLkush
79, þeðykþe»k MkkuMkkÞxe, RLzõxkuÚk{o r÷. ÃkkMku, çkkuÃk÷ hkuz, y{ËkðkË - 380058.
VkuLk Lkt.: (02717) 234590, 231537E-mail : [email protected] CODE : 380126018IFSC CODE : KCCB0BPL018
çkkuzfËuð þk¾kMÚkkÃkLkk : 13-02-1996
• ©e ytçkw¼kR {økLk¼kR Ãkxu÷• ©e nMk{w¾¼kR økkuÃkk÷ËkMk Ãkxu÷• ©e rLkÃk{¼kR h{uþ[tÿ þkn• ©e rËÃkf¼kR økku®ðË÷k÷ þkn• ©e n»ko˼kR yh®ð˼kR þkn• ©e LkÒkw¼kR Ãke. ÃkzMkk¤k• ©e h{ý¼kR ykh. Ãkxu÷• ©e ËþhÚk¼kR fk÷eËkMk Ãkxu÷• ©e{íke ©uÞkçkuLk rLkMkøko¼kE Ãkhe¾• ©e SøLkuþ yu{. Ãkxu÷ - þk¾k {uLkush
økkuÞ÷ xuhuMk, sSMk çktøk÷ku ÃkkMku, çkkuzfËuð, y{ËkðkË - 380054.
VkuLk Lkt.: 26859551, 26856119E-mail : [email protected] CODE : 380126017IFSC CODE : KCCB0BDK021
MðÂMíkf [kh hMíkk þk¾kMÚkkÃkLkk : 24-07-1996
• ©e {eLkuþ¼kE sþ¼kE Ãkxu÷• ©e ¼qÃkuLÿ¼kR sÞtíke÷k÷ þkn• ©e rºk÷kuf[tË fkþehk{ yøkúðk÷• ©e çkkçkw¼kR h{ý¼kR Ãkxu÷• ©e økkiík{fw{kh sÞtrík÷k÷ Ãkxu÷• ©e þi÷u»k¼kR [e{Lk÷k÷ ËuMkkR• ©e Ëuðktøk¼kR økkiík{¼kR þkn• ©e ËþoLk Ãke. þkn - þk¾k {uLkush
Mkwþe÷kçkuLk híke÷k÷ nku÷ ÃkkMku, Mke. S. hkuz, LkðhtøkÃkwhk, y{ËkðkË-380009.
VkuLk Lkt.: 26406945, 26406953E-mail : [email protected] CODE : 380126020IFSC CODE : KCCB0SCR023
zÙkRð-RLk hkuz þk¾kMÚkkÃkLkk : 11-07-1994
• ©e {eLkuþ¼kR sþ¼kR Ãkxu÷• ©e ËuðuLÿ¼kR ÃkkuÃkx÷k÷ Ãkxu÷• ©e MktsÞ¼kR [eLkw¼kR Íðuhe• ©e ÃkkuÃkx÷k÷ økehÄh÷k÷ Ãkxu÷• ©e ðkze¼kR çke. Ãkxu÷• ©e{íke {kÄðeçkuLk xe. Ãkxu÷• ©e Ä{uoþ Mke. Ãkxu÷ - þk¾k {uLkush
‘fk{ÄuLkw ¼ðLk’, xe.ðe. xkðh Mkk{u, zÙkRð-RLk-hkuz, y{ËkðkË - 380054.
VkuLk Lkt.: 26859486, 26854475E-mail : [email protected] CODE : 380126014IFSC CODE : KCCB0DRV017
ðkMkýk þk¾kMÚkkÃkLkk : 04-10-1995
• ©e ¼÷k¼kR Akuxk¼kR Ãkxu÷• ©e þi÷u»k¼kR sÞtíke÷k÷ þkn• ©e økeheþ¼kR ðkze÷k÷ þkn• ©e rn{tík¼kR fu. þkn• ©e hkurník¼kE çkwÄk÷k÷ {nuíkk• ©e síkeLk¼kE økwýðtík¼kE Ãkxu÷• ©e rðsÞ¼kE su. hksÃkwhk - þk¾k {uLkush
híLkMkkøkh ^÷ux ÃkkMku, fuMkheÞkS [kh hMíkk, Sðhks {nuíkk nkuMÃkex÷ hkuz, ðkMkýk, y{ËkðkË - 380007.
VkuLk Lkt.: 26611279, 26632894E-mail : [email protected] CODE : 380126019IFSC CODE : KCCB0VSN020
swLkk ÃkkËhk hkuz þk¾k - ðzkuËhkMÚkkÃkLkk : 27-11-1996
• ©e ÃkhMke Vhk{hkus ¼Y[k• ©e [tÿfktík¼kR W{u˼kR Ãkxu÷• ©e {wfuþ¼kR zkÌkk¼kR Ãkxu÷ • ©e økkiík{¼kR Síkw¼kR fkuXkhe• ©e rðLkku˼kR zkÌkk¼kR Ãkxu÷• ©e MktËeÃk¼kR h{uþ¼kR þkn• ©e hknw÷ fu. òLke - þk¾k {uLkush
54, ÃkwLkeíkLkøkh MkkuMkkÞxe, ðuõMkeLk RLMxexâwx Mkk{u, swLkk ÃkkËhk hkuz, ðzkuËhk - 390015.
VkuLk Lkt.: (0265) 2354367, 2332894E-mail : [email protected] CODE : 390126002IFSC CODE : KCCB0VDD024
{ýeLkøkh þk¾k MÚkkÃkLkk : 05-12-1996
• ©e nMk{w¾¼kR økkuÃkk÷ËkMk Ãkxu÷• ©e hksuLÿ¼kR {kunLk÷k÷ þkn• ©e W{uþ[tÿ «Vw÷¼kR {nuíkk• ©e ysÞ¼kR h{ýef÷k÷ økktÄe• ©e sÞþe÷¼kR økeíkuþfw{kh þuX• ©e zkp. søkËeþ¼kR ykh. hkýk• ©e n»ko÷ çke. Ëðu - þk¾k {uLkush
39, hkÄkðÕ÷¼ fku÷kuLke, sðknh [kuf [kh hMíkk, {ýeLkøkh, y{ËkðkË - 380008.
VkuLk Lkt. : 25470261, 25462188E-mail : [email protected] CODE : 380126021IFSC CODE : KCCB0MNN025
62
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
çkkÃkwLkøkh þk¾kMÚkkÃkLkk : 16-07-2001
• ©e zkp. rËLkuþ¼kR yu{. y{eLk• ©e ðÕ÷¼¼kR økkuçkh¼kR fkfzeÞk• ©e rðLkw¼kR fh{þe¼kR òuøkkýe• ©e ÃkwÁ»kku¥k{¼kR çke. ffkýe• ©e ÃkhMkku¥k{¼kR yuLk. økuðheÞk• ©e ðÕ÷¼¼kR {kunLk¼kR hk{kýe• ©e çkxwf¼kR hkýk¼kR ~Þkýe• ©e {nuLÿ ykE. Ãkxu÷ - þk¾k {uLkush
~Þk{ þe¾h fkuBÃk÷uûk, rËLkuþ [uBçkh Mkk{u, RLzeÞk fku÷kuLke [kh hMíkk, çkkÃkwLkøkh, y{ËkðkË - 380024.
VkuLk Lkt.: 22204780, 22204790E-mail : [email protected] CODE : 380126022IFSC CODE : KCCB0BPN028
xuûkxkR÷ {kfuox þk¾k - MkwhíkMÚkkÃkLkk : 11-05-2007
• ©e ÃkhMke Vhk{hkus ¼Y[k• ©e sÞtíke¼kR ÷k¾kýe• ©e fkLkS¼kR hk½ð¼kR ¼÷k÷k• ©e {Lkw¼kR nhËkMk¼kR XwB{h• ©e ðÕ÷¼¼kR yuMk. XwB{h• ©e ¼kðuþ çke. Ëðu - þk¾k {uLkush
38/39, ysLxk þkuÃkªøk MkuLxh, rfLLkhe rMkLku{k ÃkkMku, hªøk hkuz, Mkwhík - 395002.
VkuLk Lkt.: (0261) 2343442, 2369271E-mail : [email protected] CODE : 395126002IFSC CODE : KCCB0TXM032
¾t¼kík þk¾kMÚkkÃkLkk : 31-05-1997
• ©e nMk{w¾¼kE økkuÃkk÷ËkMk Ãkxu÷• ©e Síkw¼kR nhøkku®ðËËkMk þkn• ©e ½Lk~Þk{®Mkn yu{. [kðzk• ©e ¼kR÷k÷¼kR {økLk¼kR Ãkxu÷• ©e h{uþ¼kE nh{kLk¼kE Ãkxu÷• ©e íkusMk yu[. þkn - þk¾k {uLkush
LkeòLktË, zkp. fuBÃkMk ÃkkMku,¾t¼kík - 388620, S. ykýtË.
VkuLk Lkt.: (02698) 223644, 223010E-mail : [email protected] CODE : 388126091IFSC CODE : KCCB0KMB027
MxuzeÞ{ hkuz þk¾kMÚkkÃkLkk : 03-03-2006
• ©e MLkun÷¼kR h{uþ[tÿ Ãkhe¾• ©e ytçkk÷k÷ LkkhýËkMk {kuËe• ©e rfíkeo¼kR sÞtrík÷k÷ Ãkxu÷• ©e fuíkLk¼kE hMkef¼kE þkn• ©e rn{ktþw yu. þkn - þk¾k {uLkush
hkpÞ÷ nkWMk, 16-çke, {nkËuð Lkøkh MkkuMkkÞxe, MxuzeÞ{ hkuz, LkðhtøkÃkwhk, y{ËkðkË-380014.
VkuLk Lkt.: 26463198, 26430741E-mail : [email protected] CODE : 380126028IFSC CODE : KCCB0SDR031
rLkh{k ÞwrLkðMkeoxe þk¾kMÚkkÃkLkk : 02-12-1996
• ©e ¾kuzk¼kR fkr÷ËkMk Ãkxu÷• ©e{íke ÃkqðeoçkuLk yu. Ãkku¾rhÞk÷• ©e Äúwð¼kR Ãke. AkÞk• ©e çkkçkw¼kR su. Ãkxu÷• ©e S. hk{[tÿLk LkkÞh• ©e ykþe»k¼kR fu. ËuMkkR• ©e hksuþ¼kR Lkkhý¼kR Ãkxu÷• ©e ykLkt˼kR Mkku{k¼kR Ãkxu÷• ©e{íke Ãk÷fçkuLk yþkuf¼kR þkn• ©e økwýðtík¼kE su. Ãkxu÷ - þk¾k {uLkush
rLkh{k ÞwrLkðMkeoxe fuBÃkMk, yuMk.S. nkRðu, y{ËkðkË - 382481.
VkuLk Lkt.: (02717) 241911-12-13, 30642152E-mail : [email protected] CODE : 380126029IFSC CODE : KCCB0NRM097
fk÷çkkËuðe-{wtçkR þk¾kMÚkkÃkLkk : 19-05-1997
• ©e ÃkhMke Vhk{hkus ¼Y[k• ©e MkwhuLÿ¼kR íkw÷MkeËkMk MkðkR• ©e yþkuf¼kR ykh. ½eÞk• ©e MkwhuLÿ¼kR yu{. {hzeÞk• ©e Þkuøkuþ¼kR fk¤eËkMk þkn• ©e ykþe»k¼kR [tÿfktík¼kR {nuíkk• ©e hksuLÿ¼kR çkkçkw÷k÷ {kuËe • ©e W{uþ¼kE h{ý÷÷k÷ þkn• ©e ykrþ»k yuLk. {nuíkk - þk¾k {uLkushçke/3 Úke 7, {tøk÷ËkMk rçkÕzªøk Lkt.1, þk{÷ËkMk økktÄe {køko, {wtçkR-400002.
VkuLk Lkt. : (022) 22074013-14, 22070419E-mail : [email protected] CODE : 400126002IFSC CODE : KCCB0KLB026
{kÄwÃkwhk þk¾kMÚkkÃkLkk : 04-10-2005
• ©e LkðLkeík¼kR [e{Lk÷k÷ Ãkxu÷• ©e hksuLÿ¼kR çkkçkw÷k÷ {kuËe• ©e sLkeþ¼kR søkËeþ[tÿ Ãkxu÷• ©e rðrLkík¼kR ËÞk¤S¼kR Ãkxu÷• ©e {tsÞ¼kR yu{. økktÄe• ©e rËLkuþ¼kR çke. Ãkxu÷• ©e økkuÃkk÷¼kR yu÷. hkXe• ©e [tËLk®Mkn su. hkXkuz - þk¾k {uLkush
rLk÷økøkLk Ã÷kÍk, Ãkku÷eMk fr{&™h ykurVMk Mkk{u, þkneçkkøk hkuz, y{ËkðkË - 380004.
VkuLk Lkt.: 25630464, 25626699E-mail : [email protected] CODE : 380126027IFSC CODE : KCCB0MDR030
ykLktËLkøkh þk¾kMÚkkÃkLkk : 26-09-2007
• ©e ¼÷k¼kE Akuxk¼kE Ãkxu÷• ©e LkhuLÿ¼kR Lkh®Mkn÷k÷ þkn• ©e ¼hík¼kR ykh. {kuËe• ©e ¼qÃkuLÿ¼kR Mke. {kunkuhkuðk÷k• ©e «n÷k˼kE þeðhk{¼kE Ãkxu÷• ©e ÃkrÚkf¼kE SíkuLÿ¼ykE Ãkxu÷• ©e{íke hkrÄfkçkuLk sÞuLÿ¼kE Ãktrzík• ©e rfíkoLk su. Ãkhe¾ - þk¾k {uLkush
106, rþðk÷ef ykfuoz, «n÷kËLkøkh økkzoLk Mkk{u, ykLktËLkøkh hkuz, y{ËkðkË - 380015.
Vku Lkt.: 26931172, 26931176E-mail : [email protected] CODE : 380126026IFSC CODE : KCCB0AND033
MkkÞLMk Mkexe hkuz þk¾kMÚkkÃkLkk : 10-03-2008
• ©e rfhex¼kR hk{¼kR Ãkxu÷ • ©e zkp. «¼wËkMk RïhËkMk Ãkxu÷• ©e sÞtíke÷k÷ fuþð÷k÷ Ãkxu÷• ©e çkkçkw¼kR LkkÚkk¼kR Ãkxu÷• ©e ËþhÚk¼kR ykþk¼kR Ãkxu÷• ©e çkeÃkeLk¼kR ÃkwÁ»kku¥k{ËkMk Ãkxu÷• ©e rðsÞ Mke. ¾ºke - þk¾k {uLkush
9, {kiÞo xkRBMk Mfðuh, ykh. fu. hkuÞ÷ nku÷ Mkk{u, MkkÞLMk Mkexe hkuz, Mkku÷k, y{ËkðkË - 380060.
VkuLk Lkt.: 29299940, 29299941E-mail : [email protected] CODE : 380126030IFSC CODE : KCCB0SCT034
63
th48 Annual Report 2017-2018
økktÄeLkøkh þk¾kMÚkkÃkLkk : 17-08-2009
• ©e nMk{w¾¼kR økkuÃkk÷ËkMk Ãkxu÷• ©e ðÕ÷¼¼kR yu{. Ãkxu÷• ©e zkp. fLkw¼kR ze. Ãkxu÷• ©e rË÷eÃk¼kR xe. fkÃkzeÞk• ©e hknw÷¼kR {Lkw¼kR {nuíkk• ©e rníkuLÿ¼kR ðe. Ãkxu÷ - þk¾k {uLkush
Vk{oMke fku÷us fuBÃkMk, fze Mkðo rðãk÷Þ fuBÃkMk, økux Lkt. 1, ½-6 Mkfo÷ ÃkkMku, Mkuõxh - 23, økktÄeLkøkh - 382023.
VkuLk Lkt.: 23241962E-mail : [email protected] CODE : 380126032IFSC CODE : KCCB0GNR038
ÃkktzuMkhk þk¾k - MkwhíkMÚkkÃkLkk : 15-12-2013
• ©e sir{Lk yu. Ãkxu÷ - þk¾k {uLkush
124/125, f{oÞkuøke MkkuMkkÞxe rð¼køk-1, ÃkeÞw»k ÃkkuRLx ÃkkMku, 120 Vwx çk{hku÷e hkuz, ÃkktzuMkhk, Mkwhík - 394210
VkuLk Lkt. : (0261) 2893245E-mail : [email protected] CODE : 395126005IFSC CODE : KCCB0PSR041
ykLktË {n÷ hkuz þk¾k - MkwhíkMÚkkÃkLkk : 18-03-2015
• ©e Äúwrðík yu{. Ãkxu÷ - þk¾k {uLkush
{kÄð fkuBÃk÷uûk, LÞw hýAkuzLkøkh, «kR{ ykfuozLke Mkk{u, ykLktË {n÷ hkuz, yzksý, Mkwhík - 395009.
VkuLk Lkt.: (0261) 2790600 E-mail : [email protected] CODE : 395126008IFSC CODE : KCCB0NPR044
WÄLkk-{økËÕ÷k hkuz þk¾k - Mkwhík
MÚkkÃkLkk : 11-07-2009
• ©e ÃkhMke Vhk{hkus ¼Y[k• ©e h{uþ¼kR çkkÃkw¼kR ËuMkkR• ©e nrh¼kR yuMk. økkUz÷eÞk• ©e hsLkefktík yuMk. çk[fkLkeðk÷k• ©e ËþhÚk¼kE ðe. Ãkxu÷ - þk¾k {uLkush
14-18, MkqÞko Ã÷kÍk, ¼xkh [kh hMíkk ÃkkMku, WÄLkk-{økËÕ÷k hkuz, Mkwhík - 395007.
VkuLk Lkt.: (0261) 2234111E-mail : [email protected] CODE : 395126003IFSC CODE : KCCB0UDN037
WÄLkk WãkuøkLkh þk¾k - Mkwhík MÚkkÃkLkk : 15-12-2013
• ©e nhuþ yuLk. Ãkxu÷ - þk¾k {uLkush
WÄLkk yufuzu{e Mfw÷ Mkk{u, MkuLxÙ÷ hkuz Lkt.14, WÄLkk WãkuøkLkøkh, Mkwhík - 394210.
VkuLk Lkt.: (0261) 2758492, 2758497,E-mail : [email protected] CODE : 395126004IFSC CODE : KCCB0UDN040
ðhkAk hkuz þk¾k - MkwhíkMÚkkÃkLkk : 23-10-2015
• ©e r«ÞuLk ze. þkn - þk¾k {uLkush
økkiík{ ykfuoz, 1, þtfhLkøkh MkkuMkkÞxe, fÃkkuËhk çkúes ÃkkMku, ðhkAk hkuz, Mkwhík - 395006.
VkuLk Lkt.: (0261) 2541970E-mail : [email protected] CODE : 395126007IFSC CODE : KCCB0BGL043
hªøkhkuz þk¾k - MkwhíkMÚkkÃkLkk : 15-12-2013
• ©e ¼hík çke. Ãkxu÷ - þk¾k {uLkush
Ãkhe©{ fkuBÃk÷uûk, Ãkhkøk nkWMk Mkk{u,hªøk hkuz, Mkwhík - 395003.
VkuLk Lkt.: (0261) 2310546E-mail : [email protected] CODE : 395126006IFSC CODE : KCCB0RRD042
{kts÷Ãkwh þk¾k - ðzkuËhkMÚkkÃkLkk : 14-03-2009
• ©e ÃkhMke Vhk{hkus ¼Y[k• ©e Xkfkuh¼kR nrh¼kR Ãkxu÷• ©e rðÃkw÷ Mke. Ãkxu÷ - þk¾k {uLkush
rðLkkÞf fkuBÃk÷uûk, MkhMðíke [kh hMíkk ÃkkMku, {kts÷Ãkwh hkuz, ðzkuËhk - 390011.
VkuLk Lkt. (0265) 2661751E-mail : [email protected] CODE : 390126003IFSC CODE : KCCB0MJL036
fXðkzk þk¾k MÚkkÃkLkk : 14-12-2009
• ©e ytçkh¼kR sÞtíke÷k÷ Ãkxu÷ • ©e ÃkwÁ»kkuu¥k{¼kR ¼e¾k¼kR ffkýe• ©e hýAkuz¼kR ykh. Ãkxu÷• ©e çkkçkw¼kR yu. ðkuhk• ©e nMk{w¾¼kR Mkku{k¼kR Ãkxu÷• ©e rð»ýw¼kR Lkkhý¼kR Ãkxu÷• ©e yYý¼kR fhMkLkËkMk Ãkxu÷• ©e nu{tík ykh. Ãkxu÷ - þk¾k {uLkush
økúkWLz ^÷kuh, rËÔÞ {tøk÷ ykfuoz, fXðkzk S.ykR.ze.Mke. Ã÷kux Lkt. 545, fXðkzk, y{ËkðkË - 382430.
VkuLk Lkt.: 22901255E-mail : [email protected] CODE : 380126033IFSC CODE : KCCB0KTW039
64
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
½kx÷kuzeÞk þk¾kMÚkkÃkLkk : 28-6-2015
• ©e fkiþ÷ su. {nuíkk - þk¾k {uLkush
©efwts þkuÃkªøk MkuLxh, ðeh zuhe ÃkkMku, «¼kík [kuf, ½kx÷kurzÞk, y{ËkðkË - 380061.
VkuLk Lkt.: 27481547, 27472753E-mail : [email protected] CODE : 380126034IFSC CODE : KCCB0GHA046
Lkhkuzk þk¾kMÚkkÃkLkk : 06-11-2015
• ©e ytçkh¼kE sÞtíke÷k÷ Ãkxu÷• ©e WËÞfw{kh Açke÷ËkMk Ãkxu÷• ©e n»ko˼kR y{]ík÷k÷ Ãkxu÷• ©e «þktík¼kE rºk÷kuf¼kE yøkúðk÷• ©e fkŠíkf Ãke. Ãkxu÷ - þk¾k {uLkush 7-8-9, ykMÚkk yuðLÞw, çkeyuMkyuLkyu÷ xu÷eVkuLk yuõMk[Us ÃkkMku, S.ykR.ze.Mke., Lkhkuzk, y{ËkðkË - 382330.
VkuLk Lkt.: 22812120E-mail : [email protected] MICR CODE : 380126038 IFSC CODE : KCCB0NAR050
Ãkkuh þk¾k (S. ðzkuËhk)MÚkkÃkLkk : 14-3-2016
• ©e ÃkeLkkfeLk ze. Ãkxu÷ - þk¾k {uLkush
Mðk{eLkhkÞý fkuBÃk÷uûk, 83, ytrçkfkLkøkh MkkuMkkÞxe, Ãkkuh - fkÞkðhkuný hkuz, Ãkkuh - 391243, S. ðzkuËhk.
VkuLk : (0265) 2830321E-mail : [email protected] CODE : 390126004IFSC CODE : KCCB0POR53
ytf÷uïh þk¾kMÚkkÃkLkk : 04-10-2014
• ©e ÃkhMke Vhk{hkus ¼Y[k• ©e nu{tík¼kE [tÃkf÷k÷ þkn• ©e h{uþfw{kh ¼økðkLkËkMk Ãkxu÷• ©e LkðLkeík¼kE ¼kE÷k÷¼kE Ãkxu÷• ©e hksuþ çke. Ãkxu÷ - þk¾k {uLkush
hrð fkuBÃk÷uûk, ðkr÷Þk [kh hMíkk, S.ykR.ze.Mke., ytf÷uïh - 393002.
VkuLk Lkt.: (02646) 251760, 224032E-mail : [email protected] MICR CODE : 393126051IFSC CODE : KCCB0AKL045
SME & MID CORPORATE BRANCH
MÚkkÃkLkk : 17-8-2015
• ©e Ãkhuþ su. Ëðu - þk¾k {uLkush
yuLkuûke rçkÕzªøk, fk÷wÃkwh çkUf ¼ðLk, RLf{xuûk Mkfo÷ ÃkkMku, yk©{hkuz, y{ËkðkË - 380014.
VkuLk Lkt.: 27582020 Úke 27582026E-mail : [email protected] MICR CODE : 380126037 IFSC CODE : KCCB0SME049
ytÄuhe (RMx) þk¾k - {wtçkR MÚkkÃkLkk : 9-2-2016
• ©e MkwLke÷ yuLk. òu»ke - þk¾k {uLkush
4, økúkWLz ^÷kuh, xkRBMk Mõðuh rçkÕzªøk - yu ®ðøk, r{¥k÷ RLzMxÙeÞ÷ yuMxuxLke Mkk{u, ytÄuhe fw÷ko hkuz, {hku÷, ytÄuhe (RMx), {wtçkR - 400059.
VkuLk : (022) 28510015, 28510016E-mail : [email protected] CODE : 400126003 IFSC CODE : KCCB0AND052
òuÄÃkwh þk¾kMÚkkÃkLkk : 6-2-2016
• ©e fkirþf¼kE LkËwt¼kE Ãkxu÷• ©e Ãkhkþh¼kE LkðLkeík¼kE Ãkxu÷• ©e «ýð¼kE MkwhuLÿ¼kE Ãkxu÷• ©e MkwrLk÷ yku. hksÃkwík - þk¾k {uLkush
1, økúkWLz ^÷kuh, Mk[uík - 4 rçkÕzªøk, «uhýkíkeÚko ËuhkMkh hkuz, òuÄÃkwh, Mkuxu÷kRx, y{ËkðkË - 380015.
VkuLk Lkt.: 26922291E-mail : [email protected] CODE : 380126039 IFSC CODE : KCCB0JOD051
Lkðk rLkfku÷ hkuz þk¾kMÚkkÃkLkk : 18-06-2014
• ©e ytçkh¼kR sÞtíke÷k÷ Ãkxu÷• ©e hksuLÿ¼kR çkkçkw÷k÷ {kuËe• ©e ÃkwÁ»kku¥k{¼kR çke. ffkýe• ©e ËuðS¼kR {kunLk¼kR Ãkxu÷• ©e rníku»k su. ËuMkkR - þk¾k {uLkush
1, þktríkrLkfuíkLk rçkÍLkuMk MkuLxh, øktøkkuºke çktø÷kuÍLke Mkk{u, ð]tËkðLk Ãkkxeo Ã÷kux hkuz, rLkfku÷, y{ËkðkË - 382350.
VkuLk Lkt.: 8238087500E-mail : [email protected] CODE : 380126031IFSC CODE : KCCB0JBR035
{uBfku ¢kuMk hkuz þk¾k MÚkkÃkLkk : 14-9-2015
• ©e rLkfwts yu. X¬h - þk¾k {uLkush
29, 30, þkÞkuLkk MkuLxh, ç÷kuf - yu, {uBfku ¢kuMk hkuz, Lkhkuzk hkuz, y{ËkðkË - 380025.
VkuLk Lkt.: 22203511E-mail : [email protected] CODE : 380126036 IFSC CODE : KCCB0CGR048
65
th48 Annual Report 2017-2018
Aºkk÷ þk¾kMÚkkÃkLkk : 10-2-2017
• ©e rfhex¼kE hk{¼kE Ãkxu÷• ©e ËuðuLÿ¼kE ÃkkuÃkx÷k÷ Ãkxu÷• ©e MkkiheLk¼kE søkËeþ¼kE Ãkxu÷• ©e Mkwhuþ¼kE LkkÚkk÷k÷ Ãkxu÷• ©e «Vw÷¼kE hMkef÷k÷ ík÷MkkýeÞk• ©e EhuLk¼kE Ãke. Ãkxu÷ - þk¾k {uLkush
Ã÷kux Lkt. 5/yu[/416, Aºkk÷ ELzMxÙeÞ÷ yuMxux, yu[.ze.yuV.Mke. çkUfLke Mkk{u, Aºkk÷ - 382729íkk. f÷ku÷, S. økktÄeLkøkh
VkuLk Lkt.: (02764) 233600E-mail : [email protected] CODE : 380126041IFSC CODE : KCCB0CHH056
MkkWÚk çkkuÃk÷ þk¾kMÚkkÃkLkk : 05-12-2016
• ©e ËuðuLÿ Ãke. Ãkxu÷ - þk¾k {uLkush
20/21, ykuŠ[z MkuLxh, MkV÷ ÃkheMkh - 1 Lke Mkk{u, Mkkuçkku MkuLxh ÃkkMku, MkkWÚk çkkuÃk÷, y{ËkðkË - 380058.
VkuLk Lkt.: (079) 29795199E-mail : [email protected] MICR CODE : 380126040IFSC CODE : KCCB0SBP055
ðk½kuzeÞk hkuz þk¾kMÚkkÃkLkk : 20-06-2016
• ©e rËÃkuLk fu. Þk¿kef - þk¾k {uLkush
1/2, økehehks çkkøk MkkuMkkÞxe, «¼kík çkMk MxuLz Mkk{u, ðk½kurzÞk hkuz, ðzkuËhk - 390019.
VkuLk Lkt.: (0265) 2522900E-mail : [email protected] CODE : 390126005IFSC CODE : KCCB0WRB054
hksfkux þk¾kMÚkkÃkLkk : 1-3-2017
• rLkh÷ çke. Ãkxu÷ - þk¾k {uLkush
4-5-6, økýuþ xÙuz MkuLxh, Ã÷kux Lkt. 105, fufuðe nku÷ yLku ELËehk Mkfo÷ ðå[u, 150 Vex hªøk hkuz, hksfkux - 360005.
VkuLk Lkt.: (0281) 2578003E-mail : [email protected] CODE : 360126002IFSC CODE : KCCB0RJT057
66
INCOME DISTRIBUTION 2017-18
Total Income Rs. 690.21 Crores
(Rs. in Crore)
Interest on Deposits & Borrowings 396.10
Establishment Exp. 49.59
Other Administrative Exp. 52.57
Provisions 81.71
Net Profit 110.24
Total 690.21
LÞw yuMk. S. hkuz þk¾kMÚkkÃkLkk : 29-8-2017
• ©e Mktíkku»k su. Ãkxu÷ - þk¾k {uLkush
1-2-3, ðtËu {kíkh{T ¢kuMk rðLz, ðtËu {kíkh{T Mkfo÷ ÃkkMku, LÞw. yuMk.S. hkuz, økkuíkk, y{ËkðkË - 382481.
VkuLk Lkt.: 9712956280E-mail : [email protected] CODE : 380126042IFSC CODE : KCCB0SGR058
7.18%
7.62%
57.39%
11.84%
15.97%
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.
Kalupur 1970 17955.98 18452.62 5242.89 5865.57 212.95 254.88Khokhra 1976 9748.76 9281.36 2551.30 2511.50 140.13 172.33Bavla 1977 12114.59 12610.37 7422.20 9033.38 242.56 330.78Bareja 1978 9453.41 9699.14 13152.85 16067.30 372.85 503.12Sanand 1980 15649.48 15464.31 12129.82 13622.43 424.85 612.91Usmanpura 1980 15341.02 14897.90 3226.65 3423.32 152.20 163.54S.M.Road 1981 67170.10 66187.69 8980.86 6699.55 483.89 539.16St. Xavier's 1983 19031.24 19388.27 2793.85 3586.69 209.59 285.49Vatwa 1983 17971.07 16619.17 6213.13 6464.83 281.21 315.23Ashramroad 1986 62206.85 67556.98 14198.38 11609.30 114.41 672.16Patrakar 1986 19809.45 19644.19 1862.35 2508.05 147.32 181.28Sola Road 1987 33248.45 33001.79 3092.99 2960.62 293.55 336.27Panchvati 1989 24802.18 26154.19 7815.17 8289.20 417.50 460.68Vastrapur 1994 14256.46 13381.60 3764.61 4246.86 226.66 295.59Nava Vadaj 1994 20948.68 21901.82 2606.01 2853.15 205.80 290.00Drive-in Road 1994 14106.17 14041.62 4865.98 4951.32 202.69 239.82Bopal 1995 10925.81 11563.30 2694.15 3074.46 220.30 263.86Isanpur 1995 13680.49 13894.63 2105.07 2394.52 128.38 150.58Vasna 1995 20456.47 18230.06 3812.15 3133.91 102.75 186.07Bodakdev 1996 11680.74 13165.78 2404.66 2823.33 179.19 219.11Anand 1996 10917.83 11120.60 5419.36 4864.08 192.52 192.03Swastik 1996 9685.38 10207.85 2769.09 3163.21 161.33 156.75Vadodara 1996 10825.84 11483.36 9947.33 12217.05 354.73 382.59Maninagar 1996 17568.92 18413.44 3472.87 3521.96 196.59 218.71Kalbadevi(Mumbai) 1997 3859.58 3093.25 79720.60 7182.24 1321.82 788.26Khambhat 1997 7036.60 7683.87 4267.89 5364.48 115.06 159.35Bapunagar 2001 9656.85 9231.15 3906.11 4286.34 315.90 321.07Madhavpura 2005 8502.86 8379.14 5061.28 4728.34 221.56 206.94Stadium road 2006 6901.01 7452.90 3760.36 3025.16 68.02 32.58Surat(Textile Market) 2007 4012.14 3173.54 15866.88 15498.37 623.61 561.92Nirma Univesity 2007 4934.64 5447.15 341.82 643.94 62.57 82.05Anandnagar 2007 34424.14 40277.25 8968.83 3917.22 222.49 367.52Science City 2008 12833.55 12859.92 2788.13 3046.80 251.14 239.37Manjalpur 2009 4340.74 4462.30 2996.69 2735.36 151.79 129.17Udhana-Magdalla 2009 1421.80 1701.64 5551.18 5028.88 207.49 230.00Gandhinagar 2009 10774.54 11711.19 1981.64 3821.12 92.01 165.67Kathwada 2009 5359.88 5184.89 4899.27 5784.44 139.51 366.80Udhana-Udhyognagar 2013 2881.30 3075.86 7035.99 8872.84 143.39 208.08Pandesara 2013 2455.09 2938.97 3079.88 4249.93 134.59 173.34Ring Road 2013 999.97 907.00 4193.86 4532.33 147.72 154.14Varachha 2013 1264.85 1593.46 3310.18 4071.84 81.97 121.72Anand Mahal 2013 3156.79 3169.93 1857.66 2455.20 87.61 31.94Nava Nikol 2014 3075.77 4436.44 2822.46 4142.73 98.90 197.00Ankleshwar 2014 6832.49 7404.13 5087.24 6685.89 201.71 286.58Ghatlodiya 2015 1624.57 3200.07 136.88 812.38 -35.69 -15.10Memco 2015 1123.62 1169.54 695.22 1119.15 -15.75 13.61SME and MID CORP 2015 475.90 1065.32 72489.90 100567.10 2886.65 3336.43Naroda 2015 1156.78 2229.15 1137.23 1891.02 -16.39 34.01Jodhpur 2016 2583.85 4342.81 232.33 673.82 -28.31 -0.82Andhari(East) 2016 168.81 198.89 15289.44 3488.80 280.78 92.36Por 2016 172.08 238.99 514.30 1560.10 -33.29 2.46Waghodia road- vadodra 2016 1368.07 1612.54 650.01 708.01 -38.93 -8.77South bopal 2016 1008.05 2054.33 166.26 746.84 -26.31 -4.87Chhatral 2017 137.46 298.78 13.61 942.86 -13.42 -19.72Rajkot 2017 78.58 574.75 69.55 642.79 -12.98 -32.60New S.G Road 2017 0.00 1706.18 0.00 342.02 0.00 -55.82Head Office 1986 803.92 352.87 30682.28 36885.49 1428.16 3607.91TOTAL 624981.65 649590.24 422118.68 390339.42 14727.33 19195.52
BRANCHES EST. DEPOSITS ADVANCES GROSS PROFITYEAR 31.03.2017 31.03.2018 31.03.2017 31.03.2018 2016-17 2017-18
ANALYSIS OF BRANCHES(Rs. in Lacs)
67
th48 Annual Report 2017-2018
YEAR BRANCHES MEMBERS SHARE RESERVES & DEPOSITS ADVANCES WORKING PROFIT DIVIDENDCAPITAL PROVISIONS CAPITAL
(30 JUNE)
1970-71 - 280 3.63 0.01 27.66 13 93 31.72 0.09 4%
1971-72 - 319 5.82 0.04 59.03 37.32 66.62 1.08 6%
1972-73 - 371 7.97 0.88 89.63 83.98 114.38 1.80 9%
1973-74 - 581 12.24 2.70 160.32 109.75 185 36 3.16 9%
1974-75 - 891 20.26 7.13 191.42 176.28 248.09 7.40 9%
1975-76 1 1225 24.31 14.44 269.66 203.78 324.72 10.10 9%
1976-77 2 2120 29.06 24.39 323.29 286.92 412.33 13.14 9%
1977-78 3 3016 39.73 40.88 425.29 398.49 558.36 15.07 12%
1978-79 3 3702 49.73 59.57 542.50 566.85 798.66 19.21 12%
1979-80 5 4493 62.34 73.30 807.09 830.99 1255.14 24.11 12%
1980-81 5 4943 70.50 107.06 1103.88 1016 13 1697 60 43.49 12%
1981-82 6 5520 96.45 153.98 1454.60 1607 96 2402.06 63.72 12%
1982-83 7 6280 109.33 220.53 2115.63 1931.36 3022.40 76.75 12%
1983-84 8 7413 136 54 287.66 2936.16 3062.67 4300.56 86.26 12%
1984-85 8 8279 158.76 403.50 3798.73 4106.98 5671.24 94.53 12%
1985-86 8 8662 176.19 514.92 4426.50 3671.99 6193.37 99.64 12%
1986-87 12 9006 204.76 654.95 5266.04 5000.81 7468.31 117.40 12%
1987-88 12 9374 231.64 860.91 6115.03 6095.87 9161.50 127.40 12%
1988-89 13 9880 261.22 1182.17 7333.30 7073.71 10403.31 140.44 12%
1989-90 13 10950 281.98 1588.92 10145.83 8089.13 13618.40 145.28 12%
1990-91 13 11909 299.13 2274.80 11065.59 8113.21 15815.23 153.08 12%ST(31 MARCH)
1991-92 14 13276 315.35 3132.30 11703.85 10016.60 17281.93 148.27 12%
1992-93 14 16110 341.47 3994.57 14509.07 10992.14 20798.64 159.83 12%
1993-94 14 19540 431.68 5304.04 30318.54 17112.49 38478.83 360.41 12%
1994-95 17 20931 572.48 7221.34 33184.86 23751.87 44366.78 650.92 15%
1995-96 22 21214 731.13 9507.15 36905.84 34832.18 52601.55 918.51 15%
1996-97 25 21377 880.57 12018.27 41897.92 30262.70 58840.32 1119.16 15%
1997-98 27 21533 874.07 14846.81 63020.58 37049.46 87109.56 1565.95 18%
1998-99 27 22827 891 01 17233.23 106049.34 61604.91 142774.14 1649.78 19%
1999-00 27 23900 913.61 23598.64 129820.45 64193.24 176401.26 2042.48 20%
2000-01 27 24647 901.40 27684.63 113731.50 82064.92 176845.54 2259.86 15%
2001-02 28 24666 983.29 34818.06 76327.33 52744.45 126885.30 2309.31 15%
2002-03 28 25668 1141.47 41655.23 73119.69 45765.05 125457.22 2369.00 12%
2003-04 28 27023 1240.87 48028.24 87039.56 47922.16 144500.67 1801.90 12%
2004-05 28 27848 1385.99 49832.61 93842.99 56660.84 151525.18 1827.26 12%
2005-06 31 28388 1526.82 53336.17 108344.66 57975.71 170242.07 1857.33 12%
2006-07 33 31202 1994.12 51851.06 105369.08 60490.69 177369.51 2228.75 12%
2007-08 33 36565 2585.10 53298.32 135242.11 73565.29 199382.56 2550.10 12%
2008-09 35 37554 3011.60 56378.87 161109.68 90448.34 229240.48 2717.46 12%
2009-10 38 38392 3750.60 59096.65 199208.68 114657.75 272114.11 2810.33 12%
2010-11 38 40161 4862.75 61718.36 223729.11 135691.10 307940.73 3450.29 12%
2011-12 38 42862 6025.31 66296.37 269699.32 188420.93 359384.36 4059.27 15%
2012-13 38 43686 6667.24 70594.18 327495.02 227075.92 421465.39 4884.54 15%
2013-14 43 44314 7362.05 78715.70 413393.93 271300.96 524290.16 6633.14 15%
2014-15 44 46665 8518.14 85661.20 475571.16 272874.89 599131.78 7535.07 12%
2015-16 52 50986 8625.19 93087.13 519686.39 333446.95 649051.99 8411.32 12%
2016-17 55 53817 8735.10 101734.45 624981.65 422118.68 770566.02 8582.45 12%2017-18 56 51172 8805.36 112141.41 649590.24 390339.42 810213.25 11024.27 15%*
* Proposed
PROGRESS... At a Glance(Rs. in Lacs)
68
THE KALUPUR COMMERCIAL CO-OP. BANK LTD.