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8



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��ÚõîÀÞí��ÕþÃìÖÜë_��çèÛëÃí��±õäë��±ëÕ��çú��çÛëçØù,�ÃþëèÀù�±Þõ�×ëÕHëØëßù�Àõ�Éõ±ù±õ�èÜëßë�äèíäËÜë_ìärëç�ÜðÀí�çë×�±Þõ�çèÀëß�±ëÕõá�Èõ�Öõ�ÚØá�çäõýÞù�èð_�±ëÛëßí�È\_.

��ÚõîÀÞë�ßùÉÚßùÉÞë�ÀëÜÀëÉ�±Þõ�ÉäëÚØëßí±ùÞõ�ÕèùîÇí�äâäë�ÜëËõ�ÚõîÀÞë�ÖÜëÜ�ÀÜýÇëßí±ù±õ�ìÞWÌë�±ÞõÂ_ÖÕñäýÀ�ÀëÝý�Àßõá�Èõ�ÉõÞí�ÞùîÔ�áª�È\_.

��ÚõîÀÞë�ç_ÇëáÞÜë_�Üëßë�çë×í�ìÍßõÀËçý�ìÜhëùÞë�çèÀëßÛÝëý�±Þõ�çðÜõâÛÝëý�äáHëÞí�ÞùîÔ�á´�çú±õ�ÜëßíÀëÜÃíßíÜë_�Éõ�ìärëç�ÜðÀí�ÜÞõ�èð_Î�±ëÕõá�Èõ�Öõ�ÚØá�ÖõÜÞù�xØÝÕñäýÀ�±ëÛëß�ÜëÞí�çúÞõ�±ìÛÞ_ØÞ�±ëÕð_�È\_.

��±_ÖÜë_�±ëÕHëõ�çú�ÛõÃë�Üâí�ìärëç�±Þõ�çðÜõâÛÝëý�äëÖëäßHëÜë_�çèÀëßí�ÕþT²ìkëÞë�ìäÀëçÜë_�±õÀwÕ�ÚÞíç_V×ëÞí�ÕþÃìÖ�ÜëËõ�ÕþìÖÚ©�ÚÞí±õ�±õÉ�Õþë×ýÞë�çë×õ�ìäßÜð_�È\_.

ÚùÍó�±ùÎ�ìÍßõÀËçý�äÖí,

ÉÝ_ìÖÛë´�(±ßìäØ_ Ûë´)�Ýð.�ÕËõá

ÇõßÜõÞ

±ëÛëß

��ÚõîÀÙÃ�Zëõhëõ�±ëäí�ßèõá�VÕÔëýIÜÀ�ÕìßäÖýÞÞí�çë×õ�ÀØÜ�Üõâääë�Ö×ë�ç_V×ëÞë�ÀÜýÇëßí±ùÞí�ÀëÝýØZëÖë�ÖõÜÉ½HëÀëßíÜë_�äÔëßù�×ëÝ�±Þõ�ÉõÞù�áëÛ�ç_V×ëÞõ�ÜâÖù�ßèõ�Öõ�èõÖð×í�Ôí�ÞõåÞá�´LVËí.�Àù.�±ù.�ÜõÞõÉÜõLË,�Ãë_ÔíÞÃßÖõÜÉ�ÞëÚëÍó�¦ëßë�Ýù½Öë� ìäìäÔ�ËÿõÞÙÃ�ÕþùÃþëÜ�ÖõÜÉ�ÃðÉßëÖ�VËõË�Àù.�±ù.�ÚõîÀ� ìá.�±ÜØëäëØ�ÖßÎ×í�ßëÂäëÜë_±ëäÖë�ËÿõÞÙÃ�ÕþùÃþëÜ�ÖõÜÉ�±LÝ�VÕùLçß�ÕþùÃþëÜÜë_�ÚõîÀÞë�ÀÜýÇëßí±ùÞõ�Éwßí�ÖëáíÜ�ÜëËõ�ÜùÀáäëÜë_�±ëäõ�Èõ.

±ëÛëßØåýÞ�Ñ

VËëÎÞõ�ÖëáíÜ�Ñ

� � � � � � � �±ëÕHëí�ÚõîÀ� ËõÀÞùáù°Þë� ZëõhëÜë_�±LÝ�ÚõîÀù�çë×õ� ÀØÜ×í�ÀØÜ�Üíáëäí�Çëáäë�Üë_Íí�Èõ� IÝëßõ�±ëÕHëõ� IÝë_CBS (Àùß�ÚõîÀÙÃ)�ÕHë�ÀëÝýßÖ�Àßõá�Èõ.�ÖØµÕßë_Ö�Þäí�çõäë±ù�Éõäí�Àõ�RTGS / NEFT / SMS Alerts�/ CTS@áíÝßÙÃ�Éõäí�çðìäÔë±ù�ÕHë�µÕáOÔ�×´�Ã´�Èõ�ÖõÜÉ�Rupay ATM Cum Debit Card�Þí�çõäë�Çëáð�ÀßäëÜë_�±ëäõá�Èõ.� ÉõÞë� ×Àí�±ëÕ�±LÝ�ÚõõîÀÞë�ATM� Üë_�±ëÕHëí� ÚõîÀÞù� ÀëÍó� Þë_Âí� µÕÝùÃ� Àßí� åÀåù.� ÜùÚë´á�ÚõîÀÙÃ�çõäë±ùÞð_�çÎâÖëÕñäýÀ�ÕßíZëHë�Àßõá�Èõ�±Þõ�Öë.�1-4-2019×í�ÃþëèÀùÞõ�ÜùÚë´á�ÚõîÀÙÃ�çõäë�±ëÕäëÞð_�åw�Àßõá�Èõ.

ÀùQMÝðËßë´{õåÞ�Ñ

ßëèÖ�±ëÕäëÞí�½èõßëÖ�Àßõá�Èõ.�±ëÜ�0„�Þë�TÝëÉÞù�áëÛ�±ÇðÀ�áõäë�ìäÞ_Öí�Èõ.�çÜÝçß�äçðáëÖ�Þ�Ûßõ�Öù�ÂõÖíìäæÝÀ�Ü_Íâí±ù�ÞÚâí�ÕÍåõ�ÉõÞí�ÜùËí�±çß�ìÉSáëÞë�ÂõÍ>Öù�±Þõ�ÚõîÀÞõ�ÕÍåõ�Éõ�ìÞì�Ö�Èõ�Éõ×í�Üëßí�ÖÜëÜçÛëçØùÞõ�ìäÞ_Öí�Èõ�Àõ�ìÞÝÜëÞðçëß�äçðáëÖ�Ûßí�Îßí×í�ìÔßëHë�Üõâäõ�±Þõ�ÚõîÀÞõ�äçðáëÖÜë_�çèÝùÃ�±ëÕõ.

9



TO,THE MEMBERS OF,THE VALSAD DISTRICT CENTRAL CO.OP. BANK LIMITED

REPORT ON THE FINANCIAL STATEMENTS.

INDEPENDENT AUDITOR'S REPORT

We have audited the accompanying financial statements of THE VALSAD DISTRICT CENTRAL CO-OP.

BANK LIMITED (“the Bank”), which comprise the Balance Sheet as at March 31, 2019 and the Statement

of Profit and Loss and Cash Flow Statement for the year ended on that date and a summary of significant

accounting policies and other explanatory information.

MANAGEMENT'S RESPONSIBILITY FOR THE FINANCIAL STATEMENTS

The Bank's Board & Management of the bank is responsible for the preparation & presentation of these

financial statements that give true and fair view of the financial position, financial performance and cash

flow of the bank in accordance with the accounting principles generally accepted in India, including

circulars, notification, guidelines & directions issued from time to time by Reserve Bank of India &

NABARD as well as provisions of section 29 of the Banking Regulation Act, 1949, Gujarat Co-operative

Society Act, 1961, applicable Accounting Standards issued by the ICAI and Bye-laws of the bank.

This responsibility also includes the maintenance of adequate accounting records for safeguarding of the

assets of the Bank and for preventing and detecting the frauds and other irregularities; selection and

application of appropriate accounting policies; making judgments and estimates that are reasonable and

prudent; and design, implementation and maintenance of internal financial control, that were operating

effectively for ensuring the accuracy and completeness of the accounting records, relevant to the

preparation and presentation of the financial statements that give a true and fair view and are free from

material misstatement, whether due to fraud or error.

AUDITOR'S RESPONSIBILITY

Our responsibility is to express an opinion on these financial statements based on our audit. We

conducted our audit on test basis, by examining evidence supporting the amounts, disclosures in financial

statements and 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 misstatement.

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 risk of material misstatement of the financial statements, whether due to fraud or error.

In making those risk assessments, the auditor considers internal financial control relevant to the Bank's

preparation of the financial statements that give true and fair view in order to design audit procedures that

are appropriate in the circumstances but not for the purpose of expressing an opinion on whether the Bank

has in place an adequate internal financial controls system over financial reporting and the operating

effectiveness of such controls.

An audit also includes evaluating the appropriateness of accounting policies used and the

reasonableness of the accounting estimates made by the management & Directors of the Bank, as well as

evaluating the overall presentation of the financial statements.

We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our

audit opinion.

10



Place : Surat.Date : 21 May 2019

For and on behalf of SONI JHAWAR & Co.CHARTERED ACCOUNTANTSFirm Regn. No. : 110386W

HARISH DAGA - PARTNERMembership No. 409620

OPINION

Attention is drawn to the following :

The bank has not complied with the following Accounting Standard issued by ICAI and to that extent the

reserves are stated higher:

- AS–22 “Accounting for Taxes on Income” by not providing Deferred Tax Liability in the books of

account. However, in absence of availability of required data for calculation of the same with the Bank, we

are not able to quantify the amount.

Except for above, in our opinion and to the best of our information and according to the explanations, given

to us, the financial statements, read together with Significant Accounting Polices, Notes on accounts and

our remarks stated in Audit Memo Report of the Bank, give the information required by the provisions of

section 29 of the Banking Regulation Act, 1949, Gujarat Co-operative Society Act, 1961 & bye laws of the

Bank as well as the circulars, notification, guidelines & directions issued from time to time by Reserve

Bank of India & NABARD, in the manner so required and give a true and fair view in conformity with the

accounting principles generally accepted in India

(a) in case of the Balance Sheet, of the state of affairs of the bank as at March 31, 2019; and

(b) in case of the Statement of Profit and Loss, of the profit of the bank 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 AND REGULATORY REQUIREMENTS

1. The Balance Sheet and Profit & Loss Account are in agreement with the books of accounts

maintained by the bank, in accordance with Form – A and Form – B respectively of Third Schedule &

provision of Section 29 of the B. R. Act, 1949 and drawn up in conformity with the law.

2. As required under section 30(3) of the B. R. Act, 1949 as applicable to Co-operative societies and

subject to limitation of the audit as indicated in para of 'Auditor's responsibility' & 'Opinion' mentioned

as above, we report that:

- The transactions of the bank which have come to our notice have been within the powers of the bank;

- The statements received from the branches of the bank have been found adequate for the purpose of

our audit;

- We have obtained all the information and explanations, which to the best of our knowledge and belief

were necessary for the purposes of our audit, have been found to be satisfactory;

- In our opinion, proper books of accounts, as required by law, have been kept by the bank so far as

appears from our examination of those books and proper returns adequate for the purpose of our

audit have been received from the branches not visited by us;

- The Balance Sheet, Statement of Profit and Loss and cash flow statement, dealt with by this report,

are in agreement with the books of account & returns.

- Bank has maintained standards of CRR & SLR as per the norms.

- As per the master circular of R.B.I., Income Recognition & Asset classification (IRAC) norms,

provisioning norms, etc. have been generally done properly and necessary amount has been

provided against Bad and Doubtful Debts Reserve.

UDIN : 19409620AAAAAW1360

11



Öë.�31-3-2019Þë�ßùÉÞð_�çßäöÝð_Dt. 31-3-2018 Dt. 31-3-2019

10,00,00,000.00

ßí{äý�ÎoÍ�±Þõ�±LÝ�ÎoÍç�Ñ

±ìÔÀòÖ�åõßÛ_Íùâ�wë.�5000/-�Þù�1�±õäë30000�åõß

çèÀëßí�ç_V×ë±ù�764Þë�ÛßÕë´�×Ýõá�±Þõ�äçðá�±ëäõá�Ñ�wë.�5000/-�Þù�1�±õäë�16844åõß�±Þõ�wë.�20/-�Þù�1�±õäë�11264�åõß

15,00,00,000.00

TÝã@ÖçèÀëßí�ç_V×ë±ù

8,42,20,000.002,25,280.00

8,44,45,280.00

13,52,96,560.7312,30,04,049.73

-�åõß�Û_Íùâ�Ñ

BALANCESHEET AS ON 31st MARCH 2019

CAPITAL

Authorised Capital 30000Shares of Rs. 5000 each

• Subscribed Capital Share Amount of Rs.5000/- each• Calls up on Share of Rs. 5000/- each less callsup paid of• above held Co-Op. Institutions 764 (a) 5000 16844 (b) 20 11264

RESERVES & OTHER FUNDS

VËõEÝðËßí�ßí{äý�ÎoÍStatutory Reserve Fund

11,61,76,967.0010,92,46,162.00±õÃþíÀSÇßá�¿õÍíË�VËõÚíáë´{õåÞ�ÎoÍAgricultural Credit stabilisation fund

6,89,67,582.116,23,17,582.11ìÚSÍÙÃ�ÎoÍBuilding Fund

67,32,535.9759,36,503.97ÍíäíÍLÍ�´@äíáë´{õåÞ�Î_ÍDividend equilisation fund

27,26,59,895.3223,78,06,454.17ÂßëÚ�±Þõ�åÀÜ_Í�áõHëë�ÎoÍBad & Doubtful Debt reserve

78,06,007.0578,06,007.05´LäõVËÜõLË�Ná@EÝð±õåÞ�ÎoÍInvestment fluctuation fund

Û_Íùâ�Ö×ë�Øõäð_CAPITAL & LIABILITIES

Rs. Ps. Rs. Ps.Rs. Ps.

çßäëâù�±ëÃâ�á´�ÃÝë...Total C/F...

8,44,45,280.0062,18,90,779.03

3,620.00 --------7,57,70,400.00 8,44,45,280.00

12



ìÜáÀÖ�Ö×ë�áõb_PROPERTY & ASSETS

Rs. Ps. Rs. Ps.

-�ßùÀëHëù�Ñ

èë×�Õß�ìçáÀ

8,51,98,434.5311,02,64,141.48

10,20,79,123.0011,68,58,052.00

98,13,00,189.62

288,57,86,400.00288,75,99,300.00

-�ßùÀÍ�Ñ

çßäëâù�±ëÃâ�á´�ÃÝë...

CASH

Cash on hand

INVESTMENTS

ÜKÝV×�Ö×ë�ßëFÝ�çßÀëßÞí�½ÜíÞÃíßí�Ö×ë±LÝ�ËÿVËí�½ÜíÞÃíßí±ù�-�ÕìßìåWË�Ò´Ó

In Central & State Govt. Securities(At Book Value) Annexure 'E'

42,03,500.0039,51,000.00

çèÀëßí�ç_V×ëÞë�åõß�±Þõ�ÍíÚõLÇß�-�Õìß.�Ò±õÎÓ

Share & Debentures in Co-Op.Institution Annexure 'F'

Total C/F...

±LÝ�ÚõîÀùÜë_�ìçáÀ�ÑBALANCE WITH OTHER BANKS

Çëáð�ÂëÖõ�ßëFÝ�ÚõîÀCurrent Deposits

24,96,18,160.0926,66,92,079.24Çëáð�ÂëÖõ�±õç.Úí.±ë´.�±Þõ�±LÝ�ÚõîÀDeposits with other banks

61,58,33,595.0056,58,33,595.00ÜðØÖí�×ëÕHë�°.±õç.çí.�ÚõîÀ�ÕìßìåWË�ÒÍíÓFixed Deposits with G.S.C. Bank Annexure 'D'

--------22,11,31,849.00ßëWËÿíÝÀòÖ�ÚõîÀùÜë_�ÀëÝÜí�×ëÕHëFixed Deposits with Other Nationalised Bank

4,00,000.004,00,000.00±õÜ.±õ.±õç.�ÍíÕù{íË�°.±õç.çí.�ÚõîÀMAS Deposits with G.S.C. Bank

2,50,000.002,50,000.00±õÜ.±õ.±õç.�ÍíÕù{íË�±õÜ.±õç.çí.�ÚõîÀMAS Deposits with M.S.C. Bank

288,99,89,900.00

ÃúHë�ßëFÝ�ÛëÃíØëßí�Ñ

22,16,350.0022,16,350.00

INVESTMENT OUT OF PRINCIPAL /SUBSIDIARY STATE PARTNERSHIP FUNDIN SHARES OF :

Õþë×ìÜÀ�Âõ.ìä.ç.Ü_.�åõßùÜë_�ßùÀëHëPrimary Agri. Credit Societies

Rs. Ps.



3,00,00,000.006,00,00,000.00ßëWËÿíÝÀòÖ�ÚõîÀùÜë_�±Þõ�ÞëÚëÍó�ÚõîÀÜë_�Àùá�×ëÕHë

Call Deposit with Local Nationalised Bank &Nabard Bank

397,55,85,562.62424,51,96,366.72

--------1,00,00,000.00ÍõOË�QÝðEÝð±á�ÎoÍ�ÕìßìåWË�Ò°ÓDebt Mutual Fund Annexture "G"

13




Rs. Ps. Rs. Ps.

-�±LÝ�ÎoÍç�Ñ

28,46,160.0128,46,160.01


OTHER FUNDS

ÕþùÕõÃõLÍë�ÎoÍPropaganda Fund

Õþë×ìÜÀ�Âõ.�ìä.�ç.�Ü_Íâí�åõßÛ_ÍùâPrimary Agri. credit societies

136,60,32,893.65134,73,92,985.31TÝã@Ö±ù��ÕìßìåWË�Ò±õÓIndividual Annexure 'A'

Total C/F...

272,30,94,294.10

±ëÃâÞù�çßäëâù...Total B/F...

64,90,000.0064,90,000.00 VÕõUÝá�ßí{äý�ÎoÍSp. Reserve Fund

3,81,32,543.003,29,46,824.00VÕõUÝá�ÂßëÚ�±Þõ�åÀÜ_Ø�áõHëë�ÎoÍSpecial Bad & Doubtful Debt reserve

71,10,68,348.47

22,16,350.0022,16,350.00

37,21,109.5637,40,109.56 ÔÜëýØë�ÎoÍCharity Fund4,505.604,505.60 VËëÎ�ÚõÞíÎíË�ÎoÍStaff benefit Fund

ÃúHë�ßëFÝ�ÛëÃíØëßí�ÎoÍ�Ñ

PRINCIPAL / SUBSIDIARY STATEPARTNERSHIP FUND ACCOUNT

-�×ëÕHëù�ÑDEPOSITS

FIXED DEPOSITS -�ÜðØÖí�×ëÕHëù�Ñ

135,70,61,400.45160,19,96,215.64Ü_Íâí±ù��ÕìßìåWË�ÒÚíÓSocieties Annexure 'B'

Rs. Ps.

79,77,29,978.47366,92,58,411.27

8,44,45,280.0062,18,90,779.03

65,22,62,091.18



5,88,06,257.29

46,75,000.0046,75,000.00 çðäHëý�ÉÝ_Öí�ÎoÍGolden Jubilee Fund

98,00,000.0098,00,000.00ÜÀëÞ�±Þõ�ÎÞaÇß�ÜßëÜÖ�ÎoÍBuilding & Furniture Repair Fund

15,76,399.0015,76,399.00VËëÎB²Õ�ÃþõFÝð´Ëí�ÎoÍStaff Group Gratuity Fund

1,94,43,000.001,69,43,000.00ÀLËíLÉLË�Õþùäí{Þ�±Ãõ´LVË�VËëLÍÍó�±õçõËçContigent Provision Against Standard Assets

9,13,435.009,13,435.00ÂõÍ>Ö�áùÞ�äíÜë�ìÕþÜíÝÜ�ÎoÍFarmers Loan Insurance Premium Fund

1,39,00,000.001,39,00,000.00ËõÀÞùáù°�±ÕÃþõÍõåÞ�ÎoÍTechnology Upgradation Fund

19,26,648.1219,26,648.12çèÀëßí�Ü_ÍâíÞõ�çèëÝ�±Þõ�ÕþùIçëèÞ�ÎoÍCo. Op. Societies Support (Encouragement) Fund

14






Rs. Ps. Rs. Ps.

Ë<_Àí�ÜðØÖ

88,57,81,004.5381,42,05,125.30

279,50,92,695.39

-�ìÔßëHëù�Ñ


ADVANCES

Short Term

Total C/F...

ÂõÖí�ìäæÝÀ�(±õç.±õ.±ù.)Agricultural (S.A.O.)

Öõ�ÕöÀí�ÜðØÖäíÖíOf which Overdue 18,30,05,874.31

Rs. Ps.

±ùäßÍÿëNËç

3,21,52,284.801,91,55,084.20Overdrafts

ÜëÀõýËÙÃMarketing

Öõ�ÕöÀí�ÜðØÖäíÖíOf which Overdue -----------

1,94,57,175.191,70,59,158.05ÜëáÖëßHë�ÂëÖßHypothecation Fertilizer

Öõ�ÕöÀí�ÜðØÖäíÖíOf which Overdue 24,47,962.88

±LÝ 185,77,02,230.87150,72,59,392.86 Others


À<á�ÜðØÖäíÖí�wë. 23,94,11,277.07

ÜKÝÜ�ÜðØÖ

53,39,61,977.7559,92,15,526.85Medium Term

ÂõÖí�ìäæÝÀ�çëÜëLÝAgricultural


167,11,01,040.40±LÝ 113,71,39,062.6589,30,31,618.57 Others


À<á�ÜðØÖäíÖí�wë. 5,94,18,892.33

±ëÃâÞù�çßäëâù...Total B/F... 397,55,85,562.62424,51,96,366.72

844,17,79,298.41809,51,22,272.55

15






Rs. Ps. Rs. Ps.

-�ÀßÉ�Ñ


BORROWINGS

±õÃþíÀSÇß�åùËó�ËÜýAgricultural Short Term

158,90,89,861.55154,20,46,538.30 TÝã@Ö±ùIndividual

Total C/F...

270,36,48,443.75


20,24,00,600.0023,38,04,700.00

20,00,00,000.00--------

202,85,77,710.00

581,17,40,887.40

±ùËù�ÕðÞÑ�ìÔßëHëAutomatic Refinance NFS

SAVINGS DEPOSITS -�ÚÇÖ�×ëÕHëù�Ñ

111,45,58,582.20127,33,45,454.13 Ü_Íâí±ùSocieties

7,21,60,761.905,77,39,305.46 TÝã@Ö±ùIndividual

38,49,98,149.55

CURRENT DEPOSITS -�Çëáð�×ëÕHëù�Ñ

31,28,37,387.6527,11,45,442.25 Ü_Íâí±ùSocieties

From GSCB & NABARD°.±õç.çí.�ÚõîÀ�Ö×ë�ÞëÚëÍó�ÖßÎ×í

ÚíSç�Îùß�ÀáõÀåÞ�(ÀùLËÿë.)Bills for Collection (Contra) 4,34,273.0015,80,662.00

åëÂë�èäëáëÞëBranches Adjustment 48,26,045.001,27,57,474.00

ÜðØÖäíÖí�TÝëÉ�ßí{äýOverdue Interest Reserve 6,37,55,627.186,42,62,840.09

ÇðÀääëÕëhë�TÝëÉInterest Payable 9,54,12,601.399,25,05,063.24

Rs. Ps.

79,77,29,978.47366,92,58,411.27

Õõ@ç�Ë<�±õÜ±õççí�ÕþùÃþëÜ�áùÞPacs to MSC Program Loan --------2,93,000.00

101,01,00,000.0049,01,00,000.00åùËó�ËÜý�ÜSËí�ÕßÕ{�Àõå�¿õÍíËShort Term Multi Pur. Cash. Credit

50,30,77,110.0071,89,51,570.00 ±ùËù�ÕðÞÑ�ìÔßëHëAutomatic Refinance FS

880,24,77,122.44842,77,90,460.74

11,30,00,000.00--------±õÃþíÀSÇßá�åùËó�ËÜý�±ë÷Þ�ÎLÍAgricultutal Short Term Own Fund

16






Rs. Ps. Rs. Ps.

ÜâäëÕëhë�TÝëÉ 18,94,59,107.4216,74,90,308.73


Interest Receivable

Total C/F...


Rs. Ps.

ÎíZÇß�±õLÍ�ÎíËÙBç1,07,53,612.4790,95,384.75

6,37,51,902.612,06,48,289.57

Fixtures & Fittings


áë_Úí�ÜðØÖ�ìÔßëHë 19,68,73,295.1319,04,69,821.76 Long Term Loan

Öõ�ÕöÀí�ÜðØÖäíÖíOf which Overdue 61,38,635.01

ÖõÞí�çëÜõ�ÜðØÖäíÖíOverdue against it 3,46,72,995.13

ÚíSç�ßíçíäõÚá�(ÀùLËÿë.)4,34,273.0015,80,662.00

4,31,03,613.043,33,25,016.41

Bills Receivable (Contra.)

´ÜëßÖLand & Building

Üñâ�ìÀoÜÖNet Price

Less Depreciation FundÚëØ�Ñ�Cëçëßë�ÎoÍ

5,00,03,479.98

1,66,78,463.57

ÍõÍ�VËùÀ 44,42,597.9544,39,103.95 Dead Stock

çõ´Î�ÍíÕù{íË�äùSË 59,598.4570,118.45 Safe Deposite Vault

´áõ@ËÿíÀá�´LVËùáõåÞ 55,74,790.3543,97,571.50 Electrical Installation

ÜùËß�Àëß 80,63,311.1933,85,584.73 Motor Car

ÀùQMÝðËß�±Þõ�±õçõçßí{40,44,018.557,80,584.50 Computers and Accessories

887,16,49,587.00851,69,93.033.18

844,17,79,298.41809,51,22,272.55

-�É_ÃÜ�ìÜáÀÖù�ÑFIXED ASSETS

Interest Reserved TÝëÉ�ßí{äý

16,37,139.6264,27,585.50 L & B Work in ProgressáõLÍ�±õLÍ�ìÚSÍÙÃ�äÀó�´Þ�ÕþùÃþõç

3,47,649.354,09,018.35 Office Equipment ±ùÎíç�´@äíÕÜõLË

17






lí�ìÀåëõßÛë´�ÛíÂðÛë´�ÕËõá(Öë.�28-02-2019�çðÔí)

lí�ÜÃÞÛë´�ØðáýÛÛë´�ÕËõá(Öë.�01-03-2019�×í)

lí�èìßìç_è�{äõßÛë´�çëõá_Àí

lí�Ü_ÃâÛë´�Ã_Ãë°Ûë´�ÃëäíÖ

lí�Õ_ÀÉÛë´�Éõ.�ÕËõá

lí�ìèÖõåÛë´�ÃùgäØÛë´�ÕËõá


lí�±_Úõáëá�äí.�ÕËõá

lí�ìÉSáë�ß°VËÿëßlí

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

(9)

(10)





lí�ÀëáíØëçÛë´�áÂðÛë´�ÇúÔßí

(11)

(12)

(13)

(14)

(15)


Rs. Ps. Rs. Ps.

±LÝ�ÉäëÚØëßí±ù�Ñ

çßäëâù...

OTHER LIABILITIES

Íí.Íí.�Õõ±õÚáD.D. Payable

ÃÖ�äæýÞí�ÚëÀíAs per Previous Year

Total...


14,42,682.0014,42,682.00

3,50,00,000.00---------

88,393.0082,315.00

10,45,99,250.22

çLÍÿí�¿õÍíË�ßíçíMË�±ùÎ�Õõ@çSundry Credit Receipt of PACS

ÚëØ�Ñ�ÎëâäHëíLess : Appropriation 3,50,00,000.00---------

Çëáð�äæýÞù�ÞÎùCurrent Year Profit 5,00,00,000.003,50,00,000.00

2,406.004,65,521.00±ëÕäëÞð_�ÚëÀí�ÍíäíÍLÍUnpaid Dividend

59,74,810.7644,13,810.76 çLÍÿí�¿õÍíËçýSundry Creditors

9,70,90,958.469,51,96,735.82±LÝ�ßÀÜù�±Þõ�½õÃäë´±ù�(ÕìßìåWË�ÒçíÓ)Provisions and Others (Annexure 'C')

ÞÎë�ÞðÀåëÞ�ÂëÖð�ÑPROFIT & LOSS ACCOUNT

895,70,76,372.66856,43,91,525.32

Rs. Ps.

880,24,77,122.44842,77,90,460.74

ÀLËíÉLË�áëÝëÚíáíËí{Contingent Liabilities

±LÍß�ÚõîÀ�Ãõß_LËí�wë.�5,00,000.00Under Bank Guarantee Rs. 5,00,000.00

------------------

18





_ÃùìäØÛë´�Ëí.�ÕËõá


ÉÝ_ìÖÛë´�Ýð.�ÕËõá

ÇõßÜõÞ



Õí.�Úí.�ÞëÝÀ´ÞÇëÉý�±õÀëµLËLË

±ëõÍíËçýçùÞí�{ëäß�±õLÍ�Àëð_.,�ÇëËóÍý�±õÀëµLËLËçïû,�çðßÖ


Rs. Ps. Rs. Ps.

-�±LÝ�±VÀÜëÝÖùOTHER ASSETS

Rs. Ps.

VËõåÞßí13,00,379.3910,99,805.99 Stationary


4,80,96,829.66

çLÍÿí�ÍõËçý15,11,582.0017,48,836.00 Sundry Debtors

±LÝ�ßÀÜù�(ÕìßìåWË�Ò±õÇÓ�ÜðÉÚ)4,52,84,868.274,21,34,481.15 Others Annexure 'H'

çßäëâù...Total... 895,70,76,372.66856,43,91,525.32

887,16,49,587.00851,69,93,033.18

ÀVËÜß�áëÝëÚíáíËí{Customer Liabilities

±LÍß�ÚõîÀ�Ãõß_Ëí�wë.�5,00,000.00Under Bank Guarantee Rs. 5,00,000.00

Íí.�±õ.�ßëÉÕðÖÜõÞõÉß

(áùLç�/�çðÕßäí{Þ)

--------------------

±Ôß�´LËõÞ°Úá�±õçõËûç1,20,852.003,02,130.00 Other Intangible assets

ßíLÝð±á�±õÞ°ý�Ííäë´ç2,120.0010,600.00 Renewal Energy Device

MáëLË�±õLÍ�ÜåíÞßí22,84,266.0721,02,639.00 3,73,29,956.00Plant & Machinery

±ëß.�±ëß.�ÕËõá±ëçí.�ÜõÞõÉß�(±ë´.�Ëí.)

19



Dt. 31-3-2018 Dt. 31-3-2019Öë.�31-3-2019Þë�ßùÉ�Õðßë�×Öë�äæýÞð_�ÞÎëÞðÀåëÞ�ÂëÖð

PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH 2019

±ëäÀINCOME

Rs. Ps. Rs. Ps.

ÀÜíåÞ�±Þõ�Øáëáí�Ñ

TÝëÉ�±ëTÝð_65,17,46,583.3656,94,72,597.55

21,54,781.6220,11,755.27

-�TÝëÉ�Ñ


INTEREST

Interest Received

1,58,161.001,84,989.00çðÕßäí{Þ�ÎíSupervision Fee

17,91,295.0015,74,751.00áùÀß�ÛëÍ<Lockers Rent

67,534.731,66,139.84ÕßÇðßHë�±ëäÀMiscellaneous Income

Total C/F...

2,32,600.002,26,700.00ÜÀëÞ�ÛëÍë�±ëäÀBuilding Rent Income

Rs. Ps.

91,02,98,871.07

TÝëÉ�±ëääëÞð_Interest Receivable 15,47,86,112.29

106,50,84,983.36Total À<á

ÚëØ�Ñ�åëÂë�TÝëÉÞëLess : Branch Interest 41,33,38,400.00

ìÔßëHëù�µÕß�TÝëÉ

Interest on Loan& Advances

×ëÕHëù�µÕß�TÝëÉInterest on Deposits

ßùÀëHëù�µÕß�TÝëÉInterest on Investment

32,36,89,081.35 39,38,97,304.37

4,63,87,791.995,37,28,973.06

21,14,61,487.0019,20,54,543.14

Commission & Brokerage

-�±LÝ�±ëäÀ�ÑOTHER INCOME

--------1,57,87,500.00çßÀëßí�½ÜíÞÃíßíÞë�ßùÀëHëÞë�áõ-äõÇÜë_�×Ýõá�ÞÎùGovt. Security Trading P/L

65,39,01,364.9858,94,63,029.31

90,788.6138,596.65

ìäÜë�Õùáíçí�ìÕþÜíÝÜ�ÀÜíåÞ�±ëäÀÞë

Commission Received onInsurance Premium

20



Dt. 31-3-2018 Dt. 31-3-2019

½äÀEXPENDITURE

Rs. Ps. Rs. Ps.

TÝëÉ�±ëMÝð_41,50,09,658.5738,38,53,726.03

9,94,12,795.13

1,03,46,679.50

-�TÝëÉ�Ñ


INTEREST

Interest Paid

7,50,06,597.007,51,55,767.00ÀÜýÇëßí�ÕÃëßÛJ×ë�±Þõ�ÎoÍÎëâëEmployees Salary, allowance and Fund

Total C/F...

3,32,886.50ìÜáÀÖ�ÜßëÜÖRepairs of Property

Rs. Ps.

78,95,89,763.57

TÝëÉ�±ëÕäëÞð_Interest Payable 3,87,58,295.00

82,83,48,058.57Total À<á

ÚëØ�Ñ�åëÂë�TÝëÉÞëLess : Branch Interest 41,33,38,400.00

Interest on Deposits×ëÕHëù�µÕß�TÝëÉ

Àß½õ�µÕß�TÝëÉInterest on Borrowing

7,86,679.00

28,58,97,031.57

12,91,12,627.00

ìÜáÀÖ�ÜßëÜÖ�±Þõ�Cëçëßë�ÂÇýDEPRECIATION & REPAIRS TO PROPERTY

1,00,13,793.00

1,26,330.001,33,520.00Ííßõ@ËßùÞí�Îí�Ö×ë�ÛëÍëÛJ×ëDirector's Fees and TA DA

2,12,00,811.912,02,93,001.56ÛëÍ<,�Àßäõßù,�äíÜù�ìäÃõßõRent, Taxes, Insurance

3,42,850.001,44,660.00 ÀùËó�Ö×ë�äÀíá�ÎíLegal Charges

6,18,206.228,28,642.01Öëß-ËÕëá�±Þõ�ËõáíÎùÞPostage, Telegram & Telephone

17,35,000.0012,20,000.00 ±ùÍíË�Îí

75,20,152.00Cëçëßë�ÂÇýDepreciation Exp.67,33,473.00

Öë.�31-3-2019Þë�ßùÉ�Õðßë�×Öë�äæýÞð_�ÞÎëÞðÀåëÞ�ÂëÖð


30,19,63,955.03

8,18,89,771.00

Audit Fee

3,83,000.0019,87,500.00 çðÕßìä{Þ�±õ@çÕõLçSupervision Expense

15,17,956.6610,80,791.68VËõåÞßí�ÈÕëÜHëí�±Þõ�½èõßëÖStationary Printing & Advertisement

21,74,201.3921,48,825.16çí.Úí.±õç.�±õÍ�±ùÞ�çìäýçíç�±õ@çÕõLçCBS Add On Services Expence

15,34,473.8417,07,644.03äëìæýÀ�Üõ´LËõÞLç�ÀùLËÿë@Ë�ÂÇýAnnual Maintainance Contract Exp.

52,99,95,765.0949,60,74,229.47

21



Dt. 31-3-2018 Dt. 31-3-2019Öë.�31-3-2019Þë�ßùÉ�Õðßë�×Öë�äæýÞð_�ÞÎëÞðÀåëÞ�ÂëÖð


±ëäÀINCOME



çßäëâù...Total...

_ÃùìäØÛë´�Ëí.�ÕËõá


ÉÝ_ìÖÛë´�Ýð.�ÕËõá


67,23,89,460.0259,10,75,995.16

65,39,01,364.9858,94,63,029.31

54,323.4061,800.00ìÕþ.�±õÀë.�@áù{ß�Çë°ýçPre A/C Closure Charges

3,41,002.003,37,990.00 Üë´Àß�ÇõÀ�Çë°ýçMicr Cheque Charges


ÇõßÜõÞ

17,820.0021,250.00Í<MáíÀõË�ìÕþLËÙÃ�Çë°ýçDuplicate Printing Charges

8,60,177.305,80,590.00±õç.�±õÜ.�±õç.�çìäýç�Çë°ýçSMS Service Charges

±ëõÍíËçýçùÞí�{ëäß�±õLÍ�Àëð_.,�

ÇëËóÍý�±õÀëµLËLËçïû,�çðßÖÕí.�Úí.�ÞëÝÀ´LÇëÉý�±õÀëµLËLË

Íí.�±õ.�ßëÉÕðÖÜõÞõÉß

(áùLç�/�çðÕßäí{Þ)

1,425.00--------ÕþÔëÞÜ_hëí�ÝùÉÞë�ÀÜíåÞPM Scheme Commission

55,974.002,27,420.00 Àõå�èõLÍáÙÃ�ÎíCash Handling Fee

1,13,64,578.601,07,538.35

ÚõîÀÙÃ�ìçäëÝÞí�Úí°�ìÜSÀÖùÞë�äõÇëHëÜë_�×Ýõá�ÞÎù

Profit From Sale of OR dealing with Non Banking Assets

1,84,88,095.04

4,81,500.0082,950.00 ±õ.Ëí.±õÜ.�çìäýç�±ëäÀATM Service Income

±ëß.�±ëß.�ÕËõá

±ëçí.�ÜõÞõÉß�(±ë´.�Ëí.)

--------1,12,293.00 TÝëÉ�äâÖß�±ëäÀInterest Rebate Income

1,33,900.0079,100.00 Íù@ÝðÜõLË�Çë°ýçDocument Charges

19,773.402,034.50 ±õ@ÝðQÝðáõËõÍ�Çë°ýçAccumulated Charges


lí�ìÀåëõßÛë´�ÛíÂðÛë´�ÕËõá(Öë.�28-02-2019�çðÔí)

lí�ÜÃÞÛë´�ØðáýÛÛë´�ÕËõá(Öë.�01-03-2019�×í)

lí�èìßìç_è�{äõßÛë´�çëõá_Àí

lí�Ü_ÃâÛë´�Ã_Ãë°Ûë´�ÃëäíÖ

lí�Õ_ÀÉÛë´�Éõ.�ÕËõá

lí�ìèÖõåÛë´�ÃùgäØÛë´�ÕËõá


lí�±_Úõáëá�äí.�ÕËõá

lí�ìÉSáë�ß°VËÿëßlí

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

(9)





lí�ÀëáíØëçÛë´�áÂðÛë´�ÇúÔßí

(10)

(11)

(12)

(13)

(14)

(15)

15,51,200.00-------- @Ýð±õÚí�±ëäÀQAB Income

12,66,042.00-------- ±LÝ�±ëäÀOther Income

22



Dt. 31-3-2018 Dt. 31-3-2019

½äÀEXPENDITURE



-�±LÝ�ÂÇý�ÑOTHER EXPENDITURE8,72,573.2310,96,378.57

ÕßÇðßHë�ÂÇý�(ÀLËíÉLË)Miscellanous Exp. (Contingent)

6,95,103.8310,72,411.00 ÕþùÎõåÞá�ÎíProfessional Fees3,04,479.702,97,037.25 ÜùËßÀëß�ÂÇýMotor car Exp.

17,47,718.0016,02,349.00 çí@ÝðßíËí�ÃëÍó�ÂÇýSecurity Guard Exp.5,13,279.944,14,254.78 çßÛßë�ÂÇýEntertainment Exp.1,40,966.382,70,110.53

ÀùQMÝðËß�±õçõçßí{�ÂÇýComputer Accessories Exp.

çßäëâù...Total... 67,23,89,460.0259,10,75,995.16

52,99,95,765.0949,60,74,229.47

Öë.�31-3-2019Þë�ßùÉ�Õðßë�×Öë�äæýÞð_�ÞÎëÞðÀåëÞ�ÂëÖð


11.5821.49 ßëµLÍ�±ùÎRound Off

2,42,650.004,30,744.00ÚõËßí�±õ@çÕõLç�(Ýð.Õí.±õç.�/�´LäËóß)Battery Exp. (UPS / Inverter)

--------1,70,969.00 ´áõÀåÞ�±õ@çÕõLçElection Expenses1,97,476.001,46,831.00 ±õ.°.±õÜ.�±õ@çÕõLçAGM Expenses

7,76,53,441.15

5,00,00,000.003,50,00,000.00ÇùAÂù�ÞÎù�çßäöÝëÜë_�á´�ÃÝëNet Profit Balance Sheet B/F...

-�½õÃäë´±ù�ÑPROVISION3,48,53,441.151,00,10,934.66 ÂßëÚ�åÀÜ_Ø�áõHëëBad & Doubtful Debt.4,03,00,000.002,60,00,000.00 ´LÀÜËõZë�Õþùäí{ÞIncome Tax Provision

25,00,000.009,00,000.00ÀLËí.�Õþùìä.�±Ãõ´LVË�VËëLÍÍó�±õçõËûç

Contigent Provision against StandardAssets

--------50,00,000.00´LäõVËÜõLË�Ná@Çð±õåÞ�ÎoÍInvestment Fluctuation Fund

--------1,66,278.00 ÀLäõÝLç�ÂÇýConveyance Exp.

1,47,40,253.78

17,500.0018,050.00ÚõîÀ�çÚV¿íÚåÞ�Çë°ýçBank Subscription Charges

80,00,554.3358,66,628.00 çíÚí±õç�çìäýç�Çë°ýçCBS Services Charges

3,49,292.392,41,910.00 ÚõîÀ�Çë°ýçBank Charges

--------50,00,000.00ËõÀÞùáù°�±ÕÃþõÍõåÞ�ÎoÍTechnology Upgradation Fund

--------3,95,049.51 ßíáíÎ�±õ@çÕõLçRelief Expenses7,04,240.003,95,250.00 VäíÕß-@áíÞß-äùËßÜõÞSweeper-Cleaner-Waterman9,54,408.405,06,558.90 NÝð±á�±õ@çÕõLçFuel Expenses

23



ìäÃÖParticularsDt. 31-3-2018 Dt. 31-3-2019

ÀÜýÇëßí�ÕÃëß�ÛJ×ë 5,07,24,807.004,83,49,348.00

ÀÜýÇëßí�ÕÃëß�ÛJ×ë�ÎoÍ�ÎëâëEmployees Salary Allowance Fund

Salary of Employees

ÕþùìäÍLÍ�ÎoÍ�ÚõîÀ�Îëâù 66,12,872.0064,14,779.00 Providend Fund Banks Contribution

B²Õ�ÃþõFÝð´Ëí�´LVÝùßLç�ìÕþÜíÝÜ 24,38,524.0049,37,496.00 Group Gratuity Insurance Premium

èoÃëÜí�ÀÜýÇëßí�ÜèõÞÖëb_ 78,93,080.0076,48,635.00 Salary of Daily Wages Employees

áíä�çõáõßí�(ß½�ÕÃëß) 36,44,804.0046,58,697.00 Leave Salary

±õá.Ëí.çí. 12,000.00---------- L.T.C.

ÜõÍí@áõ´Ü 1,85,813.001,38,168.00 MediclaimÀÜýÇëßí±ù�ÜðçëÎßí�ÛJ×ë_ 9,71,570.009,62,842.00 T.A.D.A.

78,451.0079,612.00 Closing allowance @áù{ÙÃ�±õáëµLç

7,50,06,597.007,51,55,767.00

ìÍßõ@Ëçý�Îí�±Þõ�ÛJ×ëDirector's Fee and Allowance


ìÍßõ@Ëçý�ÜðçëÎßí�ÛJ×ë 62,330.0058,320.00 Directors Travelling Allowance

ìÍßõ@Ëçý�çíËÙÃ�Îí 64,000.0075,200.00 Directors Sitting Fee

1,26,330.001,33,520.00

ÛëÍ<,�Àßäõßë,�äíÜù�äÃõßõRent, Tax, Insurance etc.

ìäÃÖParticularsDt. 31-3-2018 Dt. 31-3-2019ÛëÍ<�±Þõ�Àßäõßë 27,23,996.7119,60,414.50 Rent & Tax

´áõ@ËÿíçíËí�ÂÇý 15,09,473.2915,67,703.62 Electricity Expense

2,12,00,811.912,02,93,001.56

äíÜë�ìÕþÜíÝÜ 4,84,775.003,52,864.00 Insurance Premium

57,37,320.0056,07,156.00 Insurance Premium Deposit ÍíÕù{íË�´LVÝðßLç�ìÕþÜíÝÜ2,500.002,500.00 Professional tax Enrollment Fees TÝäçëÝ�äõßë�±õÞßùáÜõLË�Îí

2,92,000.003,24,000.00 Staff Bonus Expense VËëÎ�ÚùÞç�ÂÇý14,23,992.0013,67,242.00 Daily Wages Bonus Expense èoÃëÜí�ÀÜýÇëßí�ÚùÞç�ÂÇý

35,902.0044,593.00 Employees Training Expense ÀÜýÇëßí�Ëÿõ´ÞÙÃ�ÂÇý

12,65,000.0010,94,500.00 Jyotigram Akasmat Vima Yojna FÝùìÖÃýÜÝ�±ÀVÜëÖ�ìäÜë�ÝùÉÞë--------27,55,815.65 Service Tax Expense çìäýç�ËõZë�±õ@çÕõLç

1,31,215.001,32,037.00 Employees EDLI Premium Expense ÀÜýÇëßí�´Íí±õá±ë´�ìÕþÜíÝÜ�ÂÇý

21,781.6016,33,554.30 FLC Center Expense ±õÎ.±õá.çí.�çõLËß�ÂÇý

h

h

h

4,377.002,097.00 EDLI Administration Chages ´Íí±õá±ë´�±õÍÜíÞíVËÿõåÞ�Çë°ýç

--------40,145.44 Krushi Kalyan Cess Àòìæ�ÀSÝëHë�çõç--------40,145.44 Swachh Bharat Cess VäEÈ�ÛëßÖ�çõç

99,190.0096,221.00 PF Administration Charges Õí.±õÎ.�±õÍÜíÞíVËÿõåÞ�Çë°ýç

29,44,014.2714,94,515.69 IGST Expenses ±ë´.°.±õç.Ëí.�ÂÇý30,14,968.5218,71,843.46 CGST Expenses çí.°.±õç.Ëí.�ÂÇý30,14,968.5218,71,843.46 SGST Expenses ±õç.°.±õç.Ëí.ÂÇý

1,14,000.00---------- Apprentice Employees Salary ±õÕþõLËíç�ÀÜýÇëßí�çõáõßí3,44,000.00---------- FLC Employees Salary ±õÎ.±õá.çí.�ÀÜýÇëßí�çõáõßí

4,82,014.00-------- Income Tax Expenses ´LÀÜËõZë�ÂÇý

24



VËõåÞßí�ÈÕëÜHëí�±Þõ�½èõßëÖ�ÂÇýStationary Printing and Advertisement Charges

ìäÃÖParticularsDt. 31-3-2018 Dt. 31-3-2019VËõåÞßí�±Þõ�ìÕþLËÙÃ 8,79,205.665,29,997.73 Stationary Printing

½èõßëÖ 6,38,751.005,50,793.95 Advertisement

15,17,956.6610,80,791.68


ÜðØÖí�×ëÕHëù�(ÀëÝÜí�×ëÕHëù) 112,11,36,766.80115,54,72,247.42 Term Deposit (Fixed Deposit)@ÝðQÝðáõËíä�×ëÕHëù 22,99,18,221.3317,80,73,869.35 Cummulative Deposit

136,60,32,893.65134,73,92,985.31

ßíÀßÙÃ�×ëÕHëù 86,40,100.0074,31,121.02 Recurring DepositÜõEÝùÍó�ÜðØÖí�×ëÕHëù 40,20,937.5241,42,105.52 Matured Term Deposit

20,16,329.0020,67,479.00 Matured Cummulative Deposit ÜõEÝùÍó�@ÝðQÝðáõËíä�×ëÕHëù3,00,539.002,06,163.00 Matured Recurring Deposit ÜõEÝùÍó�ßíÀßÙÃ�×ëÕHëù

ÕìßìåWË�Ò±õÓ�ÜðØÖí�×ëÕHëù�Ñ�TÝã@ÖAnnexure 'A' Term Deposit : Individual

Öëß�ËÕëá�±Þõ�ËõáíÎùÞPostage, Telegram & Telephone

ìäÃÖParticularsDt. 31-3-2018 Dt. 31-3-2019ËõáíÎùÞ�ÂÇý 4,06,495.906,58,126.15 Telephone Expense

ÕùVËõÉ�±Þõ�ËõáíÃþëÜ 2,11,710.321,70,515.86 Postage And Telegram

6,18,206.228,28,642.01

ìäÃÖParticularsDt. 31-3-2018 Dt. 31-3-2019äõÚ�ÍõäáÕÜõLË�±õLÍ�Üõ´LËõÞLç�±õ@çÕõLç 800.004,595.00 Web Development & Maintanance Exp.

vÕõ�ÀëÍó�±õ@çÕõLç --------5,30,000.00 Rupay Card Expense

21,74,201.3921,48,825.16

±õç.±õÜ.±õç.�±õ@çÕõLç 1,16,042.001,77,079.16 SMS Expense±õÞ.Õí.çí.±ë´.�ËÿëL{õÀåÞ�ÀùVË 1,01,636.1356,875.26 NPCI Transaction Cost

çí.Úí.±õç.�çìäýç�Çë°ýçCBS Add On Services Expense

±õ.�Ëí.�±õÜ.�±õÀëµLË�Çë°ýç 16,94,078.538,21,807.74 ATM Account Charges±õ.�Ëí.�±õÜ.�ÀëÍó�±Þõ�ÀíË�ÂÇý --------2,33,250.00 ATM Card & Kit Expences

áí{áë´Þ�ÂÇý 2,61,414.003,25,218.00 Lease Line Expences

ìäÃÖParticularsDt. 31-3-2018 Dt. 31-3-2019±õ.±õÜ.çí.�Àõå�ÀëµLË�ÞùË�åùËó�ÜåíÞ 3,80,400.0055,650.00 AMC Cash Count Note Short Machine

±õ.±õÜ.çí.�ÀùQMÝðËß�±Þõ�èëÍóäõß 5,88,906.849,81,632.00 AMC Computer & Hardware

15,34,473.8417,07,644.03

äëìæýÀ�Üõ´LËõÞLç�ÀùLËÿë@Ë�ÂÇýAnnual Maintainance Contract Exp.

±õ.±õÜ.çí.�çùNËäõß�ÂÇý 24,500.005,73,500.00 AMC Expence For Software

h

h

h

h

h

±õ.±õÜ.çí.�{õßùZë�ÜåíÞ 30,967.0032,712.03 AMC Zerox Machine

±õ.±õÜ.çí.�áíNË 43,500.0043,500.00 AMC Lift1,34,200.00

±õ.±õÜ.çí.�çíçíËíäí�±Þõ�±õËõLÍLç 3,32,000.00-------- AMC CCTV and Attendence

±ë´.±õÜ.Õí.±õç.�ÂÇý 230.73-------- IMPS Expenses

ÉÞßõËß�Üõ´LËõÞLç�ÂÇý20,650.00 Generator Maintenance Expenses

25



ÕìßìåWË�ÒçíÓ�-�±LÝ�ÉäëÚØëßí±ù�Ö×ë�½õÃäë´±ù�±LÝ�ßÀÜù�(Øõäë_)Annexure 'C' - Other Liabilities And Provision


çÚçíÍí�±õÍäëLç 3,81,30,434.004,67,57,835.00 Subsidy Advance

±õÍÉVËÜõLË�(ç_ÛìäÖ�ÂÇý) 11,36,500.0829,52,290.00 Adjustment

35,67,954.0035,67,954.00 Provision for Staff Salary Arrears VËëÎ�çõáõßí�±õßíÝçý�½õÃäë´

73,55,294.4686,55,681.86 Initial Deposit of Proposed Society ´ÞíåíÝá�ÍíÕù{íË�±ùÎ�ÕþÕù{Í�çùçëÝËí

6,84,458.656,84,458.65 Unclaimed Amount ±Þ@áõ´Ü�ßÀÜ

4,03,00,000.002,60,00,000.00 Income Tax Provision ´LÀÜ�Ëõ@ç�Õþùäí{Þ

1,216.601,216.60 Group Insurance Policy çëÜðèíÀ�äíÜë�ÝùÉÞë--------280.00 Professional Tax ÕþùÎõåÞá�ËõZë

3,258.401,258.40 Arbitration fee Deposit áäëØ�Îí�ÍíÕù{íË

9,70,90,958.469,51,96,735.82

--------1,22,921.00 TDS Payable Ëí.Íí.±õç.�ÕõÝõÚá


ÜðØÖí�×ëÕHëù 129,72,59,240.58159,07,05,089.52 Term Deposit

@ÝðQÝðáõËíä�×ëÕHëù 5,87,14,691.091,01,97,157.34 Cummulative Deposit

135,70,61,400.45160,19,96,215.64

ÜõEÝùÍó�ÜðØÖí�×ëÕHëù 9,33,767.029,40,267.02 Matured Term Deposit

ÜõEÝùÍó�@ÝðQÝðáõËíä�×ëÕHëù 1,53,701.761,53,701.76 Matured Cummulative Deposit

ÕìßìåWË�ÒÚíÓ�ÜðØÖí�×ëÕHëù�Ñ�Ü_Íâí±ùAnnexure 'B' Term Deposit : Society

--------4,19,460.00 Share Application åõß�±õMáíÀõåÞ9,91,102.868,98,500.00 ATM Clearing A/C Suspence ±õ.Ëí.±õÜ.�@áíÝßÙÃ�±õÀë.�çVÕõLç

13,32,882.0020,49,244.00 Cust. Deposit Deduct TDS Payable ÀVËÜß�ÍíÕù{íË�ÍíÍ.�Ëí.Íí.±õç.�Õõ±õÚá--------22,529.40 FLC Nabard Project ±õÎ.±õá.çí.�ÞëÚëÍó�ÕþùÉõ@Ë

66,880.0066,880.00 Clearing Defference @áíÝßÙÃ�ÍíÎßLç--------38,057.08 RTGS Inward Rejected A/C ±ëß.Ëí.°.±õç.�´ÞäÍó�ßíÉõ@ËõÍ�±õÀë.

27,11,236.0027,11,236.00 RBI Deaf Scheme-2014 Liabilities ±ëß.Úí.±ë´.�ÍõÎ�VÀíÜ-2014�áëÝëÚíáíËí

hh

h

--------32,400.00 Neft (In-Out) Messages Account

±õÞ.´.±õÎ.Ëí.�(´Þ-±ëµË)�Üõçõ°ç�±õÀëµLË--------37,415.90 SGST Payable ±õç.°.±õç.Ëí.�Õõ±õÚá--------37,415.90 CGST Payable çí.°.±õç.Ëí.�Õõ±õÚá--------488.53 IGST Payable ±ë´.°.±õç.Ëí.�Õõ±õÚá

4,85,919.861,39,213.50 GST Payable °.±õç.Ëí.�Õõ±õÚá----------- 14,650.00APY Contribution AC ±õ.Õí.äëÝ.�ÀùLËÿíOÝðçÞ�±õÀëµLË----------- 2,95,721.55System RTGS/POS/ATM Rejected çíVËÜ�±ëßËí°±õç/Õùç/±õËí±õÜ�ßíÉõ@ËõÍ----------- 13,450.00IMPS Outward ±ë´.±õÜ.Õí.±õç.�±ëµËäÍó

26




çëÜëLÝ 45,00,00,000.0040,00,00,000.00 General

ßí{äý�ÎoÍ 4,42,25,000.004,42,25,000.00 Reserve Fund

61,58,33,595.0056,58,33,595.00

±õÃþíÀSÇß�¿õÍíË�VËõÚíáë´{õåÞ�Î_oÍ 9,22,38,595.009,22,38,595.00 Agri. Credit Stabilisation Fund

ÍíäíÍLÍ�´@äíáë´{õåÞ�ÎoÍ. 13,75,000.0013,75,000.00 Dividend Equalization Fund

ìÚSÍÙÃ�ÎoÍ 2,79,95,000.002,79,95,000.00 Building Fund

ÕìßìåWË�Ò´Ó�Ñ�½ÜíÞÃíßíÜë_�ßùÀëHëÞí�ÜëìèÖíAnnexure 'E' - Information of Investment in Securities


50,46,02,000.0050,46,14,000.00

ÃäýÜõLË�ìç@ÝðßíËí�Ñ�çõLËÿá�ÃäýÜõLË�ÑGovernment Security : Central Government :

ÃäýÜõLË�±ùÎ�´ãLÍÝë�±õç.�°.�±õá.�2026��10.18„1,00,19,000.001,00,22,000.00 Government of India S.G.L. 2026 10.18%

Total (A) À<á�(±)







ÕìßìåWË�ÒÍíÓ�°.±õç.çí.�ÚõîÀÜë_�ÜðØÖí�×ëÕHëAnnexure 'D' Term Deposit in GSC Bank h

h

ÃäýÜõLË�ìç@ÝðßíËí�Ñ�VËõË�ÃäýÜõLË�ÑGovernment Security : State Government :

ÃäýÜõLË�±ùÎ�ÃðÉßëÖ�±õç.�Íí.�±õá.�2025��8.20„10,08,28,000.0010,09,66,000.00 Government of Gujarat S.D.L. 2025 8.20%



ÃäýÜõLË�±ùÎ�ÜèëßëWËÿ�±õç.�Íí.�±õá.�2025��7.99„5,00,60,000.005,00,70,000.00 Government of Maharashtra S.D.L. 2025 7.99%


ÃäýÜõLË�±ùÎ�Àõßëáë�±õç.�Íí.�±õá.�2025��7.99„5,00,33,000.005,00,38,500.00 Government of Kerala S.D.L. 2025 7.99%


27




238,11,84,400.00238,29,85,300.00 Total (B) À<á�(Ú)

288,57,86,400.00288,75,99,300.00 Total (E) À<á�(´)

ÃäýÜõLË�±ùÎ�ÖëìÜáÞëÍ<�±õç.�Íí.�±õá.�2025��8.00„10,01,44,000.0010,01,68,000.00 Government of Tamilnadu S.D.L. 2025 8.00%

ÃäýÜõLË�±ùÎ�µkëßÕþØõå�±õç.�Íí.�±õá.�2026��7.99„5,02,13,500.005,02,44,000.00 Government of Utter Pradesh S.D.L. 2026 7.99%

ÃäýÜõLË�±ùÎ�äõVË�ÚõîÃëá�±õç.�Íí.�±õá.�2026��7.19„5,01,19,000.005,01,36,000.00 Government of West Bengal S.D.L. 2026 7.19%

ÃäýÜõLË�±ùÎ�èßíÝëHëë�±õç.�Íí.�±õá.�2026��7.35„5,02,83,500.005,03,24,000.00 Government of Hariyana S.D.L. 2026 7.35%

ÃäýÜõLË�±ùÎ�ÜèëßëWËÿ�±õç.�Íí.�±õá.�2025��7.37„5,02,97,500.005,03,40,000.00 Government of Maharashtra S.D.L. 2026 7.37%

ÃäýÜõLË�±ùÎ�ßëÉV×ëÞ�±õç.�Íí.�±õá.�2026��7.38„5,03,06,250.005,03,50,000.00 Government of Rajasthan S.D.L. 2026 7.38%


ÃäýÜõLË�±ùÎ�ÀHëëýËÀ�±õç.�Íí.�±õá.�2026��7.14„5,00,49,000.005,00,56,000.00 Government of Karnatka S.D.L. 2026 7.14%

ÃäýÜõLË�±ùÎ�ÜKÝÕþØõå�±õç.�Íí.�±õá.�2026��7.15„5,00,42,000.005,00,48,000.00 Government of Madhya Pradesh S.D.L. 2026 7.15%

ÃäýÜõLË�±ùÎ�±ë_ÔþÕþØõå�±õç.�Íí.�±õá.�2035��7.27„10,02,12,500.0010,02,25,000.00 Government of Andra Pradesh S.D.L. 2035 7.27%



ÃäýÜõLË�±ùÎ�Öõá_ÃHëë�±õç.�Íí.�±õá.�2026��7.40„20,24,88,000.0020,28,44,000.00 Government of Telangana S.D.L. 2026 7.40%

ÃäýÜõLË�±ùÎ�ÜèëßëWËÿ�±õç.�Íí.�±õá.�2022��7.42„5,05,40,000.005,07,20,000.00 Government of Maharastra S.D.L. 2022 7.42%


ÃäýÜõLË�±ùÎ�ÖëìÜáÞëÍð�±õç.�Íí.�±õá.�2027��7.23„15,06,00,000.0015,06,75,000.00 Government of Tamilnadu S.D.L. 2027 7.23%



ÃäýÜõLË�±ùÎ�±ë_ÔþÕþØõå�±õç.�Íí.�±õá.�2026��7.42„15,16,33,000.0015,18,66,500.00 Government of Andhra Pradesh S.D.L. 2026 7.42%

ÃäýÜõLË�±ùÎ�äõVË�ÚõîÃëá�±õç.�Íí.�±õá.�2026��7.42„5,05,44,000.005,06,22,000.00 Government of West Bengal S.D.L. 2026 7.42%

ÃäýÜõLË�±ùÎ�ÖëìÜáÞëÍð�±õç.�Íí.�±õá.�2027��7.24„15,09,36,000.0015,10,53,000.00 Government of Tamilnadu S.D.L. 2027 7.24%


28




±ë´.±õÎ.çí.±ë´I.F.C.I.

çõLËÿá�äõß�èëµçÙÃ�ÀùÕùýßõåÞ 5,000.005,000.00 Central Warehousing Corporation2,45,000.002,45,000.00

ÃðÉßëÖ�ÞÜýØë�äõáí�ÎËaáë´{ß 2,500.002,500.00 Gujarat Narmada Valley Fertilizer

2,52,500.002,52,500.00 Total (A) À<á�(±)

çèÀëßí�ç_V×ë±ùÞë�åõßShares of Co-Operative Societies

ÃðÉßëÖ�VËõË�Àù.�±ù.�ÚõîÀ�áí.�(VËõË�Àù.�±ù.)37,90,000.0035,35,000.00 Gujarat State Co-Op. Bank Ltd. (State Co-Op.)

ÃðÉßëÖ�VËõË�Àù.�±ù.�ÜëÀõËÙÃ�ÎõÍßõåÞ�ìá.--------2,500.00 Gujarat State Co-Op. Marketing Federation Ltd.

ÀòæÀ�ÛëßÖí�Àù.�±ù.�ìá. 25,000.0025,000.00 Krushak Bharti Co-op. Ltd.

´LÍíÝÞ�ÎëÜýç�Àù.�±ù.�çùçëÝËí.�ìá. 1,36,000.001,36,000.00 Indian Farmers Co-Op. Soc. Ltd.

39,51,000.0036,98,500.00 Total (B) À<á�(Ú)

42,03,500.0039,51,000.00 Total (F) À<á�(±õÎ)

ÕìßìåWË�Ò±õÎÓ�Ñ�åõß�±Þõ�ìÍÚõLÇßAnnexure 'F' - Share and Debenture h

Total Investment (E) + (F) + (G) 288,99,89,900.00290,15,50,300.00 À<á�ßùÀëHëù�(´)�†�(±õÎ)�†�(°)


ÍõOË�QÝðEÝð±á�ÎoÍDebt Mutual Fund1,00,00,000.00 ----------

1,00,00,000.00 ----------Total (G) À<á�(°)

ÕìßìåWË�Ò°Ó�Ñ�ÍõOË�QÝðEÝð±á�ÎoÍAnnexure 'G' - Debt Mutual Fund h

ìäÃÖParticulars Dt. 31-3-2019ËõáíÎùÞ�ÍíÕù{íË 67,205.0067,205.00 Telephone Deposit

4,52,84,868.274,21,34,481.15

±ùÎíç�ÍíÕù{íË 4,500.004,500.00 Office DepositáíÃá�Çë°ýç�±õÍäëLç 1,45,000.001,45,000.00 Legal Charges Advances

Øõäë�ßëèÖ�ÜâäëÕëhë�±ÜëLÝ�ßÀÜ 1,93,543.001,93,543.00 Invalid Amount ARDRVËõQÕ�´QÕþõVË 2,100.002,580.00 Stamp Impressed

´LÀÜËõZë�ßíçíäõÚá 4,02,07,779.083,75,59,560.08 Income Tax Receivable±õç.�±ëß.�±ù.�ÍíÕù{íË 6,000.006,000.00 S.R.O. Deposit

VËëÎ�Õõ�±õÍäëLç 2,000.002,000.00 Staff pay advanceÕùVË�±ùÎíç�ÚÇÖ�ÂëÖð_ --------5,020.00 Post Office Saving Account

äÇÃëâëÞí�ßëèÖ 5,24,598.005,24,598.00 Mid Term Relief

´áõ@ËÿíçíËí�ÍíÕù{íË 1,81,134.001,81,134.00 Electricity DepositÞëÚëÍó�Õëçõ�TÝëÉ�çèëÝ 39,475.0084,438.00 Interest Rebate from NABARD

°.±ù.±ë´.�ÕþùQMË�ßíÀäßí�´LËÿõVË�çÚäõLçÞ 2,32,153.0023,551.00 GOIÍõÎ.�ßíçíäõÚá�±õÀëµLË�ÚþëLÇ 1,87,396.541,87,396.54 Deaf Receivable A/C. Branch

ÕìßìåWË�Ò±õÇÓ�-�±LÝ�ßÀÜù�(áõHëë_)Annexure 'H' - Suspense & Sundries

Dt. 31-3-2018

±ëß.Úí.±ë´.�ÍõÎ�VÀíÜ-2014�±õçõË 27,11,236.0027,11,236.00 RBI Deaf Scheme-2014 Assets

h

±ë´.°.±õç.Ëí.�ßíçíäõÚá --------26,468.49 IGST Receivable°.±ù.°.�ÕþùQMË�ßíÀäßí�´LËÿõVË�çÚäõLçÞ --------1,59,641.00 GOG

çí.°.±õç.Ëí.�ßíçíäõÚá --------1,25,305.02 CGST Receivable±õç.°.±õç.Ëí.�ßíçíäõÚá --------1,25,305.02 SGST Receivable

´LËßõVË�ßíçíäõÚá�ÞëÚëÍó 3,68,274.00-------- Interest Receivable Nabard±õÎ.±õá.çí.�ÎoÍ�ßíçíäõÚá�ÞëÚëÍó 87,028.00-------- FLC Fund Receivable Nabard

±ë´.±õÜ.Õí.±õç.�´ÞäÍó 2,91,246.25-------- IMPS Inward@áõ´Ü�Îùß�áùßù 34,200.00-------- Claim For Loro

29



(2)��ßùÀëHëù�Ñ�� ßùÀëHëùÞí�ìäÃÖù�ÑSLR

(±)(Ú)

ÕëÀõ�IÝë_�çðÔí�Þ�äõÇäëÞë�ßùÀëHëù�(Held to Maturity)Çëáð�ßùÀëHëù�(äõÇëHëZëÜ)�(Current)Çëáð�ßùÀëHëùÞí�ÇùÕÍõ�ìÀ_ÜÖ�(Book Value)Çëáð�ßùÀëHëùÞí�Îõå�äõSÝð�(Face Value)Çëáð�ßùÀëHëùÞí�Ú½ß�ìÀ_ÜÖ�(Market Value)

wë.wë.wë.wë.wë.

(wë.�áëÂÜë_)

prudential guidelines on management of the non-SLR investment portfolio bySCBs/ CCBs-Disclosures requirements (vide paragraph 15 of the Guidelines)

Appendix II

i) Issuer composition of non-SLR investments

No. Issuer Amount Extent of privateplacement

Extent of'below investmentgrade' Securitiesalready invested

Extent of'unrated'

Securitiesalready invested

(1) (2) (3) (4) (5) (6)

1 P S Us

2 Fls

3 Provision

Held

Towards

Depreciation

Total

Extent of'unlisted'Securities

(7)

(Rs. in crore)

28734.25

-------

-------

-------

-------

---------- ----- ----- -----

----- ----- ----- ----- -----

----- ----- ----- ----- -----

----- ----- ----- ----- -----

----- ----- ----- ----- -----

----- ----- ----- ----- -----

---------- ----- ----- -----

Amount reported under columns 4 and 5 above may not be mutually exclusive.

(1) Segment Reporting (As-17)

The Bank's Operation are solely in the Banking Service industry. As InterestIncome accounts for more than 90% of the Bank's total revenue hencereporting on Business segment is not necessary and also the Bank does nothave any operation outside Gujarat and is operated in same geographicalarea hence reporting on Geographical segment as per Accounting Standards - 17 on "Segment Reporting", issued by The Institute of Chartered Accountantsof India is not necessary.

ßí{äý�ÚõÀ_ �±ùÎ�´ìLÍÝëÞë�ÕìßÕhë�ÜðÉÚÞùËûç�±ùÞ�±õÀëµLËçû�(Disclosure)�Öë.�31-3-2019 hh

30



(3)��ÚõîÀÞë�ÍëÝßõ@Ëßù,�ÖõÞë�çÃë±ùÞõ�Ö×ë�Öõ±ù�Éõ�À_ÕÞí�/�ÕõÏí�/�Ô_ÔëÜë_�ç_ÀâëÝõáë�èùÝ�ÖõÞõ�ÚõîÀõ�±ëÕõá��ìÔßëHëùÞí�ìäÃÖùÑ

(±)��ìÔßëHëùÞí�ìäÃÖ��ÂëÖëÞð_�ÞëÜ Ü_É\ß�ßÀÜ�wë. ÚëÀí�ßÀÜ�wë.

(Ú)��ÚíÞ�ìÔßëHëùÞí�áíÜíË��(Ãõß_Ëí�±õá.�çí.�ìä.)��ÂëÖëÞð_�ÞëÜ

Ü_É\ß�ßÀÜ�wë. ÚëÀí�ßÀÜ�wë.

(4)��×ëÕHëÞí�çßõßëå�ÕÍÖß�ìÀ_ÜÖ�Ñ

(±)��ÇðÀäõá�TÝëÉ�wë.

(Ú)��çßõßëå�ËÀëäëßí

(5)��±õÞ.�Õí.�±õ.�Ñ

------ ------ ------

2016-17

2017-18

2018-19

Year

ii) Non performing non-SLR investments

ParticularsAmount

(Rs. Crore)

Opening balancestAdditions during the year since 1 April

Reductions during the above period

Closing balance

Total provisions held

-----

-----

-----

-----

-----

3886

3704

3423

35164.43

40403.96

46630.67

1390

1417

1423

2235.65

2067.08

2279.84

6.36

5.12

4.89

0%

0%

0%

1029.26

1435.41

1687.30

2438.39

2547.50

2726.60

No. ofA/c

TotalAdvance

NPAA/c

NPAO/S

GrossNPA%

NetNPA%

RequiredProvision

as perNABARD

Provisionmade by

Bank


2018-19

2858.97

5.40%

---- ---- ---- ----

2017-18

3019.64

5.61%

31



(7)��ÞÎëÀëßÀÖë�Ñ

(À)

(Â)

(Ã)

(Cë)

(Ç)

(È)

À<á�ÀëÝýÀëßí�Û_ÍùâÞí�çëÜõ�TÝëÉÞí�±ëäÀÞí�ËÀëäëßí

À<á�ÀëÝýÀëßí�Û_ÍùâÞí�çëÜõ�TÝëÉ�ìçäëÝÞí�±ëäÀÞí�ËÀëäëßí

À<á�ÀëÝýÀëßí�Û_ÍùâÞí�çëÜõ�±ùÕßõËÙÃ�ÕþùÎíËÞí�ËÀëäëßí

Àðá�±VÀÝëÜÖù�çëÜõ�µÕÉÞí�ËÀëäëßí

ÀÜýÇëßí�ØíÌ�Ô_ÔëÀíÝ�ßÀÜ,�(×ëÕHë�†�ìÔßëHë)

ÀÜýÇëßí�ØíÌ�Ô_ÔëÀíÝ�ÇùAÂù�ÞÎù

7.35%

0.23%

1.44%

0.56%

�(áëÂÜë_)��wë.�� 503.60

��(áëÂÜë_)��wë.�� 2.40

............................

............................

............................

............................

..............................

..............................

(8)��½õÃäë´±ù�Ñ

(À)(Â)(Ã)(Cë)(Ç)

(È)

(É)

±õÞ.�Õí.�±õ.�çëÜõÂëÖëÜë_�ÇÍëäõá�TÝëÉ�çëÜõÃþõFÝð´Ëí�Î_Í�ÜëËõÕþùìäÍLÍ�Î_ÍåëÂë±ù�çë×õ�Ö×ë�±LÝ�ÚõLÀù�çë×õÞë�ÂëÖë-ÜõâäHëë�(reconciliation)�çëÜõ

ßùÀëHëù�çëÜõ

±LÝ�ìÜáÀÖù�çëÜõ

(äæýÞõ�±_Öõ�À<á)

ÀßäëÞí�×Öí Àßõá�wë.


1687.30

637.56

----------

-----

-----

2726.60

637.56

----------

-----

Úõ_À�ÃþõFÝð´Ëí�ÜëËõ�±õá.±ë´.çí.�±ùÎ�´LÍíÝë�çë×õ�ìäÜë�Àßëß×í�½õÍëÝõá�Èõ.

ìäÃÖ

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±õÞ.�Õí.�±õ.�Üë_�CëËëÍù

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(À)��Üë_Íäëâ×í

wë.��

wë.��

3 µÜõßù�Ñ��äæý�ØßQÝëÞ�×Ýõá�Þäë�±õÞ.�Õí.�±õ. wë.��

4 äæýÞë�±_Öõ�À<á�±õÞ.�Õí.�±õ. wë.��

(ßÀÜ�wë.��áëÂÜë_)

1801.92

477.92

2279.84

2067.08

wë.

wë.

wë.

265.16

-----

-----

(ßÀÜ�wë.��áëÂÜë_)(31-3-2019)(31-3-2018)

78.06

wë.��

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1924.01

143.07

2067.08

2235.65

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311.64

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32



(10)��×ëÕHë�ìäÜë�±_Ãõ�Ñ�äæý�ØßQÝëÞ�ÉÜë�×ëÕHëù�±_Ãõ�ìÍÕù{íË�´LVÝðßLç�±õLÍ�¿õÍíË�Ãõß_Ëí�ÀùÕùýßõåÞÞõ�±ëÕäëÞë��×Öë�ìÕþÜíÝÜÞí�ßÀÜ�ìÞÝÜçß�ÜùÀáäëÜë_�±ëäõá�Èõ�±Þõ�ÖõÞí�Õèù_Ç�ßõÀÍý�Õß�ßëÂõá�Èõ.�Öë.�26-4-2018

��Ö×ë�Öë.�30-10-2018��ìÕþÜíÝÜ�±Þð¿Üõ�wë.�30,74,673/-�±Þõ�wë.�26,62,647/-�Ûßõá�Èõ.

(11)��ßí{äý�ÚõLÀ�ÖßÎ×í�Àù´�èõÖð�ÜëËõ�ÀßäëÜë_�±ëäõá�ÕõÞSËí�Ñ

ìäÃÖ ÛßëÝõá�Èõ�Àõ�ÚëÀí�ÖõÞí�ìäÃÖ

(12)��åëÂë±ù�çë×õ�±×äë�±LÝ�ÚõLÀù�çë×õÞë�ÂëÖë±ùÜë_�ÜõâäHëí�(Reconciliation)�ÚëÀí�èùÝ�Öù�Öõ��ÀÝë�äæý×í�ÚëÀí�Èõ�Éõ�ÉHëëääð_�½õ�ÚëÀí�Þ�èùÝ�Öù�ÒÚëÀí�Þ×íÓ�ÖõÜ�ÉHëëääð_.�-�ÚëÀí�Þ×í

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179.10

83.22

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88.29

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2726.60

637.56

78.06

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ÕõÞSËíÞí�ßÀÜ

Note :

NET PROFIT :The Net Profit disclosed in Profit & Loss account is arrived at after making.a) Provision for taxes.b) Provision for Non Performing Assets/ Standard Advances as per RBI guidelines.


2547.50

642.63

78.06

434.68 403.00 260.00 577.68

33



A. CASH FLOW FROM OPERATING ACTIVITIES

CASH FLOW STATEMENT (as per AS - 3 OF ICAI)

For the YearEnded 31-3-2019


Net Profit before Taxation & Extraordinary items 5,00,00,000 3,50,00,000

9,03,82,673 5,54,57,308

1,00,13,793

3,57,55,980

4,03,00,000

-------

-------

25,00,000

18,12,900

67,33,473

1,00,10,935

2,60,00,000

50,00,000

50,00,000

9,00,000

18,12,900

Depreciation

Bad and Doubtful Debt.Reserve

Income Tax Provision

Investment Fluctuation Fund

Technology Upgradation Fund

Contigency Provision against Standard Assets

Premium Amortisation on Govt. Security

Operating Profit Before Working Capital Changes

Add : Adjustment for

Decrease In Loans & Advances (Short, Medium & Long Term)

Decrease In sundry Debtors

Decrease In Branch Adjustment (Assets)

Decrease in Other Assets

Increase In Deposits

Increase in Overdue Interest Reserve

Increase in Borrowings (From Gscb & Nabard)

Increase In Branch Adjustment (Liability)

Increase In Interest Payble

Increase In Other laibilities

NET CASH FLOW FROM OPERATING ACTIVITIES [ A ]

Particulars

12,87,85,495 7,44,43,108

-------

2,37,254

-------

-------

-------

-------

58,54,28,440

-------

29,07,538

4,66,31,441

-------

6,35,825

22,37,780

30,29,065

59,61,03,930

13,20,194

39,23,12,340

1,27,57,474

-------

1,60,73,444

Less : Adjustment for

Increase In Loans & Advances (Short & Long Term)

Increase In Interest Receivable

Decrease in Deposits

Increase In Other Asset

Decrease in Interest Payable

Decrease In Borrowings (From Gscb & Nabard)

Decrease In Branch Adjustment (Liability)

Decrease In Overdue Interest Reserve

Decrease In Other Liabilities 97,92,57,298 59,22,60,424

66,26,71,303

2,28,71,338

28,19,25,054

33,50,961

-------

-------

79,31,429

5,07,213

-------

52,39,52,930

5,62,08,631

-------

-------

1,20,98,862

-------

-------

-------

-------

CASH FLOW AFTER WORKING CAPITAL CHANGES (21,52,67,130) 50,66,52,737

Less Income Tax / Advance Tax 2,87,09,000 2,60,00,000

(24,39,76,130) 48,06,52,737


Building Rent Income

Govt. Security Trading Profit

Profit on sale of Assets

2,32,600

-------

1,13,64,578

2,26,700

1,57,87,500

-------


hh

14,03,82,673 9,04,57,308

63,52,04,673 102,44,70,053

76,39,90,168 109,89,13,161

34



CASH FLOW FROM FINANCING ACTIVITIES

1,39,40,446 90,95,746

86,74,880

-------

16,80,805

-------

35,42,511

42,250

51,25,660

1,19,460

31,39,632

1,20,952

5,39,259

50,783

Increase in Share Capital

Share Application Money

Increase in Agri. Credit Stabilisation Fund

Sp. Bad & Doubtful Debt. Reserve

Increase in Statutory Reserve

Reserve Fund (Nominal Members Fee)

Particulars

91,19,427 82,90,675

48,21,019 8,05,071

91,00,427

19,000

82,81,175

9,500

Dividend Paid

Charity Fund

NET CASH FLOW USED IN FINANCING ACTIVITIES [ C ]

(25,80,50,404) (64,12,46,311)NET INCREASE OR DECREASE IN CASH & CASH EQUIVALENTS [ A+B+C ]

134,14,29,716 198,26,76,027CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR (A)

11,68,58,052

6,00,00,000

116,45,71,664

64,20,58,821

14,50,00,000

119,56,17,206

Cash

Call Deposits

Bank Balance

108,33,79,312 134,14,29,716CASH AND CASH EQUIVALENTS AT END OF YEAR (B)

10,20,79,123

3,00,00,000

95,13,00,189

11,68,58,052

6,00,00,000

116,45,71,664

Cash

Call Deposits

Bank Balance



CASH FLOW STATEMENT (as per AS - 3 OF ICAI)


Purchase of Investment

Increase in Fixed Asset

-------

3,04,92,471

111,60,10,350

2,27,07,9693,04,92,471 113,87,18,319


(1,88,95,293) (112,27,04,119)NET CASH FROM INVESTING ACTIVITIES [ B ]


35

hh

CASH FLOW FROM INVESTMENT ACTIVITIES

1,15,97,178 1,60,14,200

-------

2,32,600

1,13,64,578

1,57,87,500

2,26,700

-------

Govertment Security Trading Profit

Building Rent Income

Profit on Sale of Assets


(25,80,50,404) (64,12,46,311)NET INCREASE OR DECREASE IN CASH & CASH EQUIVALENTS [ A+B ]



SIGNIFICANT ACCOUNTING POLICIES

1. Accounting Convention:

The financial statements are prepared under the historical cost convention, on accrual basis of accounting to comply in all material respects, with the mandatory accounting standards and in conformity with accounting principles generally accepted in India ('Indian GAAP') as applicable and the provisions of B. R. Act, 1949. The Accounting Policies have been consistently applied by the Bank; and the accounting policies not referred to otherwise, are in conformity with Indian GAAP.

2. Use of Estimates:

The preparation of the financial statements in conformity with GAAP requires the bank management to make estimates and assumptions that may affect the reported balances of assets and liabilities and disclosures relating to contingent assets and liabilities as at the date of the financial statements and reported amounts of income and expenses during the reporting period. Although these estimates are based upon bank management's best knowledge of current events and actions, actual results could differ from these estimates.

3. Revenue Recognition:

INCOME:

(i) Items of Income and expenditure are generally accounted for on accrual basis.

(ii) Income from non-performing assets is recognized to the extent realized, as per the directives issued by RBI

(iii) Interest on Government Securities and other fixed income securities are recognized on accrual basis.

(iv) Dividend income is accounted on realization basis.

(v) Commission (except for commission on Deferred Payment Guarantees which is recognized on accrual basis), Locker Rentals, Supervision fees, House Rent Income and brokerage are recognized on realization

EXPENSES:

(i) An annual maintenance contract for computer maintenance is accounted for at the time of payment.

(ii) Closing allowance to staff is accounted on cash basis.

(iii) Premium on deposits payable to DICGC is accounted on cash basis.

(iv) Leave encashment is accounted on cash basis.

(v) Insurance premium accounted on cash basis.

(vi) Investments: Difference

a. Categorization of Investment

Held to Maturity – Securities acquired by the Bank with the intention to hold till maturity

Held for Trading – Securities acquired by the Bank with the intention to trade

Available for Sale – Securities which do not fall within the above two categories are classified as 'available for sale'

b. Classification of Investments

For the purpose of disclosure in the Balance Sheet, Investments have been classified under four groups as required under RBI guidelines – Government Securities, Other Approved Securities, Shares and Bonds of PSU, Other Investments

c. HTM investments are carried out at their acquisition cost. Any premium on acquisition is amortized over the balance period to maturity.

d. Investments classified as held for trading and available for sale are M to M scrip wise & net depreciation is recognized but net appreciation, if any is ignored under each classification.

36



e. Profit in respect of Investments sold from 'HTM' category is included in Profit on Sale of Investments and equal amount is transferred to Investment Fluctuation Reserve.

(vii) Advances & Provisions:

The Classification of advances into Standard, Sub-standard, Doubtful & Loss assets as well as provision on non performing advances has been arrived at in accordance with the guidelines issued by the RBI from time to time. In addition to this, a general provision on standard assets has been made at 0.40% of the outstanding amount on a portfolio basis except in the case of direct advances to agricultural and SME Sector which has been at 0.25%.

The Overdue interest in respect of non performing advances is provided separately under “Overdue Interest Reserve” as per the directives issued by RBI.

The provision made for standard advances (performing) in terms of RBI guidelines is however, included under the head “Other Liabilities” in Balance Sheet.

Additional provisions carried on accounts over and above requirements under the prudential norms prescribed by the RBI, which can be considered as special funds / reserves are as follows –

Special Reserve Fund and

Special Bad & Doubtful Debts Fund.

(viii) Fixed Assets:

No assets has been revalued during the year. Fixed Assets are stated at cost of acquisition less accumulated depreciation. Cost of acquisition comprises purchase price and all other expenditure necessary to bring the asset to its working condition for its intended use.

(ix) Depreciation:

Premises and other fixed assets are depreciated on WDV method at the following rates-

Depreciation on fixed assets purchased during the year is charged for the entire year if the asset is purchased and retained for 180 days or more, otherwise it is charged at 50% of the normal rate. Depreciation is not provided as per Block prescribed in Income Tax Act 1961.

(x) Cash Flow Statement:

Cash flows are reported using the indirect method, whereby net profit after tax is adjusted for the effects of transactions of a non cash nature. The cash flows from regular revenue generating, investing and financing activities of the bank are segregated.

(xi) Employee Benefits:

(i) Contribution to employees' benefit Funds remitted to statutory authority is charged to revenue on accrual basis.

(ii) Gratuity and superannuation benefits wherever applicable are covered by policies taken with the LIC. The premium paid under these schemes is charged to revenue.

1.

2.

3.

4.

5.

6.

7.

SN Particulars Rate of Depreciation

Land

Building (Office & Commercial)

Furniture & Fixture

Electric Fitting

Safe Deposit Vault

Vehicale (All)

Computers & Computer Software

Nil

10%

10%

10%

15%

15%

60%

37



(xii) Provision for Tax:

Provision for Current income tax is measured at the amount expected to be paid to the tax authorities in accordance with the I.T. Act, 1961.

(xiii) Accounting for Taxes and Income:

The bank has not complied with the Accounting Standard (AS–22) on “Accounting for Taxes and Income” as issued by ICAI, by not providing the deferred tax liability in the financial statements, and to that extent reserves are stated higher.

(xiv) Impairment of Assets:

The carrying values of assets/cash generating units at each Balance Sheet date is reviewed for impairment of assets. If any indication of such impairment exists, the recoverable amount of those assets is estimated and impairment is recognized, if the carrying amount of those assets exceeds their recoverable amount. The recoverable amount is the greater of the net selling price and their value in use. Value in use is arrived at by discounting future cash flows to their present value based on appropriate discount factor. When there is indication that an impairment loss recognized for an asset in prior accounting periods no longer exists or may have decreased such reversal of impairment loss is recognized.

(xv) Provisions, contingent liabilities and contingent assets:

In accordance with AS-29, provision is recognised when the Bank has a present obligation as a result of past events and it is probable that an outflow of resources will be required to settle the obligation, in respect of which a reliable estimate can be made.

Provisions are not discounted to their present value and are determined based on best estimate required to settle the obligation at the balance sheet date. These are reviewed at each balance sheet date and adjusted to reflect the current best estimates.

Contingent Liabilities are disclosed in the Balance Sheet.

Contingent assets are not recognised.

(xvi) Events occurring 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 statement. 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 BOD.

(xvii) Earnings Per Share

Basic earning per equity share is computed in accordance with the Accounting Standard (AS-20) on “Earning per Share” as issued by ICAI. Basic earning per equity share is computed by dividing net profit by weighted average number of equity shares outstanding during the year.

NOTES ON ACCOUNTS 1. Earnings Per Share

Basic earnings per equity share is computed in accordance with the Accounting Standard (AS-20) on “Earning

per Share” as issued by ICAI. Basic earnings per equity share is computed by dividing net profit by weighted

average number of equity shares outstanding during the year. During the year 2018-19, Bank has Changed its

shares face value from Rs. 20.00 to Rs. 5,000.00 pershare. The Bank has amendedd its bye-laws after

obtaining approval from Registrar of Co-operative Societies, Gandhinagar. Total 11264 shares of Rs. 20 is yet

to be converted / paid till 31-03-2019.

38



2. Bank has maintained CRR and SLR rate as per RBI guidelines.

3. Bank's CRAR for the F.Y. 2018-19 is 11.13%.

4. As per the circular of R.B.I., recognition of income, classifications of Non- Performing Assets, working of Bad & Doubtful Debt etc. have been generally done properly and necessary amount has been provided against Bad and Doubtful Debts Reserve.

5. Related Party Disclosures

The bank has not given any loan to any of its Directors, their relatives or to company/ firm/ business in which they are associated.

6. Information about Business and Geographical Segment (AS-17)

The banks operations are solely in the banking services industry. As interest income accounts for more than 90% of the bank's total revenue, hence reporting on business segment is not required and also the bank does not have any operation outside Gujarat hence reporting on geographical segment is not required.

7. The bank has not complied with the Accounting Standard (AS–22) on “Accounting for Taxes and Income” as issued by ICAI, by not providing the deferred tax liability in the financial statements, and to that extent reserves are stated higher.

8. Figures have been rounded off to nearest rupee. Previous year figures have been regrouped, rearranged, reclassified wherever necessary to conform with the current year's figures.

9. The entries for which no supporting is provided have been certified by the management and same have been relied upon for the purpose of audit.

10. These financial statements are the responsibility of the management of the bank. The auditor's responsibility is to express an opinion on these financial statements based on their audit.

We have conducted our audit in accordance with auditing standards generally accepted in India. Those Standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement.

An audit includes examining, on a test basis, evidence supporting the amounts and disclosure in the financial statement. An audit also includes assessing the accounting principles used and significant estimates made by the bank management, as well as evaluating the overall financial statement presentation. We believe that our audit provides a reasonable basis for our opinion.

Place : Surat. For and on behalf of

SONI JHAWAR & Co.CHARTERED ACCOUNTANTS

Firm Regn. No. : 110386W

HARISH DAGA PARTNER

Membership No. 409620

1.

2.

3.

4.

Sr. No. Particulars st31 March 2019

Net Profit During the year

Weighted Average No. of Equity Shares outstanding

Nominal value of Equity share

Basic Earning and Diluted Earnings per share

5,00,00,000

15621

5,000

3201

39



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(6)

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(8)

15�ìØäç×í�45�ìØäç�çðÔíÞí�ÜðØÖ�ÜëËõ�.....................................................

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À<á�ìÚ{ÞõçTOTAL BUSINESS WORKING FUNDS ÀëÜÀëÉÞð_�Û_Íùâ(Amount in Lacs)

DEPOSITS ×ëÕHëù

FINANCIAL HIGHLIGHTS (LAST FIVE YEARS)

2015 2016 201920182017

83946.18

90175.08

104748.08101340.62

90140.05

(Amount in Lacs)

60,000

70,000

80,000

90,000

1,10,000

1,00,000

2015 2016 201920182017

50,000

60,000

70,000

90,000

80,000

73290.87 74209.9074408.76

88704.78

84916.32

2015 2016 2017 20192018

(Amount in Lacs)

40,000

45,000

50,000

65,000

60,000

55,000

49367.20

52184.35

58117.41

60936.66

54975.62

2015 2016 201920182017

ADVANCES ìÔßëHë(Amount in Lacs)

25,000

30,000

45,000

50,000

40,000

35,000 34578.98

46630.67

40403.95

35164.43

37990.73

2015 2016 201920182017

OWN FUNDS Vä�Û_Íùâ(Amount in Lacs)

4,500

5,000

5,500

6,000

6,500

7,000

8,000

7,500

4805.92

5971.26

7998.81

7095.20

6590.65

46



2015 2016 2017 20192018

2015 2016 2017 2018 2019 2015 2016 2017 2018 2019

2015 2016 2017 20182018

2015 2016 2018 20192017

NET BUSINESS PER EMPLOYEE

ÀÜýÇëßí�ØíÌ�ìÚ{Þõç ÀÜýÇëßí�ØíÌ�ÇùAÂù�ÞÎù(Amount in Lacs)

NET PROFIT PER EMPLOYEE

(Amount in Lacs)

GROSS NPA Ãþùç�±õÞ.Õí.±õ. (Amount in Lacs)

GROSS NPA TO ADVANCES IN %

À<á�ìÔßëHëÞí�çëÜõ�Ãþùç�±õÞ.Õí.±õ.Þí�ËÀëäëßí

NET PROFIT AFTER TAX

ËõZë�ÚëØ�ÇùAÂù�ÞÎù (Amount in Lacs)

FINANCIAL HIGHLIGHTS (LAST FIVE YEARS)

200

300

400

500

600

0

1

3

2

1.56

150

200

250

300

350

400

450

500

350.00 350.00

500.00

1,000

1,200

1,400

1,600

2,000

1,800

1876.21

4%

5%

6%

7%

8%

1970.11

2235.65

2067.08

2279.84

5.43%

374.76

419.42

464.64

511.82503.60

1.44

2.40

1.77

1.26

280.00270.00

5.18% 5.12%4.89%

6.36%

2,200

2,400

47



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valsad bank report 2019 for pdf - valsad district central

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