47 {ku ðkr»kof ynuðk÷ 2018-2019 - bmcb bank report 2018-19... · 2019-06-10 · (3) mkw¿k...

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1. ©e Eïh¼kE ytçkkhk{¼kE Ãkxu÷ [uh{uLk2. ©e hsLkefkLík fk¤eËkMk Ãkxu÷ ðk. [uh{uLk3. ©e fhþLk¼kE ÷û{ý¼kE Ãkxu÷ {uLku. zehufxh4. ©e {nuþfw{kh ÃkhMkku¥k{¼kE Ãkxu÷ òu.{uLku.zehufxhÃk. ©e rðLkkuË[tÿ ¼økðkLkËkMk Ãkxu÷ zehufxh6. ©e Ãkw»fh¼kE Lkh®Mkn¼kE Ãkxu÷ zehufxh7. ©e rËLkuþ[tÿ çku[hËkMk Ãkxu÷ zehufxh8. ©e fkLk{÷¼kE hk{MðYÃk yøkúðk÷ zehufxh9. ©e fkLíke÷k÷ hkÞ[tË {kuËe zehufxh

çkkuzo ykuV zehufxMko10.©e çku[hËkMk Ëuð[tË¼kE Ãkxu÷ zehufxh11.©e Ëuð[tË¼kE ¼e¾k¼kE Ãkxu÷ zehufxh12.©e rð¢{¼kE y{]ík÷k÷ Ãkxu÷ zehufxh13.©e nehk¼kE Ãkhkøk¼kE Ãkxu÷ zehufxh14.©e{íke MkrðíkkçkuLk y{]ík÷k÷ Ãkxu÷ zehufxh15.©e{íke {eLkkçkuLk hksuLÿfw{kh Mkku{kýe zehufxh16.©e Lkxw¼kE Eïh¼kE Ãkxu÷ fku.ykuÃx.17.©e {kðk¼kE {w¤k¼kE {kuøkk fku.ykuÃx.

1. ©e Eïh¼kE ytçkkhk{¼kE Ãkxu÷ [uh{uLk2. ©e fhþLk¼kE ÷û{ý¼kE Ãkxu÷ {uLku.zehufxh3. ©e nehk¼kE Ãkhkøk¼kE Ãkxu÷ çkkuzo«ríkrLkrÄ4. ©e øk÷çkk¼kE økýuþ¼kE ¼wíkzeÞk MkÇÞÃk. ©e ÃkhMkku¥k{¼kE ÃkeíkkBçkh¼kE Ãkxu÷ MkÇÞ6. ©e «¼wËÞk÷ ÷û{eLkkhkÞý yøkúðk÷ MkÇÞ

þk¾ Mkr{rík

7. ©e søkËeþ¼kE Sðhk{¼kE Ãkxu÷ MkÇÞ8. ©e ¼hík¼kE ¼u{k¼kE Ãkxu÷ MkÇÞ9. ©e Lkhuþfw{kh [u÷k¼kE Ãkxu÷ MkÇÞ10. ©e ytçkk÷k÷ ¼økðkLkËkMk Ãkxu÷ MkÇÞ11. ©e hMkef÷k÷ hkÞ[tË {kuËe (nòhu) MkÇÞ

1. ©e rþðhk{¼kE Eïh÷k÷ Ãkxu÷ MkÇÞ2. ©e ÃkhMkku¥k{¼kE Ëuðk¼kE Ãkxu÷ MkÇÞ3. ©e rË÷eÃkfw{kh {Lkw«MkkË ÃkkæÞk MkÇÞ

Mk÷knfkh Mkr{rík4. ©e {w¤[tË¼kE suXk¼kE Ãkxu÷ MkÇÞÃk. ©e ËþhÚk÷k÷ {ýe÷k÷ {kuËe MkÇÞ

1. ©e ¼kðuþ fu. Ãkxu÷ r[V.yufÍe. ykuVeMkh2. ©e «rðý ze. «òÃkrík ykMke. sLkh÷ {uLkush3. ©e þk{S¼kE fu. ¼wíkzeÞk çkeÍLkuþ nuz4. ©e «rðý Mke. òu»ke ÷kuLk {uLkush, ({wÏÞ f[uhe)Ãk. ©e {kunLk¼kE yuLk. Ãkxu÷ hefðhe {uLkush,({wÏÞ f[uhe)6. ©e rð»ýw¼kE yuMk. Ãkxu÷ f÷eÞhªøk nuz.

ykuVeMk yufÍefÞwxeð

7. ©e økkihð fu. Ãkxu÷ çkúkL[ {uLkush, MkhËkhøkts þk¾k8. ©e{íke sþðtíke yuMk.Ãkxu÷ çkúkL[ {uLkush, nkEðu þk¾k9. ©e LkhrMktn yuLk.Ãkxu÷ çkúkL[ {uLkush, ZwtZeÞkðkze þk¾k10. ©e yrïLk yuLk. Ãkxu÷ çkúkL[ {uLkush, LkðeLkøkts þk¾k11. ©e{íke sÞkuíMkLkk yuMk.ðk½u÷k çkúkL[ {uLkush, Efçkk÷økZ þk¾k12. ©e [tÃkf S. hkð÷ çkúkL[ {uLkush, zeMkk þk¾k

1. ©e þkLíke¼kE y{]ík÷k÷ Ãkxu÷h. ©e «¼wËÞk÷ ÷û{eLkkhkÞý yøkúðk÷3. ©e hksuLÿ«MkkË ¼wh{÷ yøkúðk÷4. ©e yhrðË¼kE çku[h¼kE Ãkxu÷Ãk. ©e rËLkuþ¼kE ¾e{S¼kE Ãkxu÷

Efçkk÷økZ þk¾k Mk÷knfkh Mkr{rík

1. ©e ÷û{eLkkhkÞý hk{híkLk yøkúðk÷2. ©e Lkxðh÷k÷ økýÃkíkhk{ yk[kÞo3. ©e yhsý¼kE Äh{k¼kE Ãkxu÷4. ©e çkkçkw¼kE LkkÚkk¼kE Ãkxu÷Ãk. ©e Eïh¼kEËkLkk¼kE «òÃkrík

zeMkk þk¾k Mk÷knfkh Mkr{rík

ykuzexMko / ÷eøk÷ yuzðkEÍMko

Lkhuþ yu. økk{e yuLz yuMkkuMkeyuxTMk[kxozo yufkWLxLxMkT

fkuLfhLx ykuzexh, Ãkk÷LkÃkwh.

rLkíkeLk Ãke.{nuíkk yuLz fkwt.,Mke.yu.ÃkkÚko rLkíkeLk {nuíkk (ÃkkxoLkh)[kxozo yufkWLxLxMkT MxuåÞwxhe ykuzexh

{uLku.1h993h, ÃkuLk÷ Lkt.640, y{ËkðkË.FRN :107150W, RBI :120713, CAGWR1335,

©e çkfw÷ ykE. þknxuûk yuzðkEÍh

Ãkk÷LkÃkwh

çkuLfMko1. Mxux çkUf ykuV ELzeÞk Ãkk÷LkÃkwh íkÚkk Efçkk÷økZ þk¾k2. ©e çk.fkt. rsÕ÷k {æÞMÚk Mkn. çkUf ÷e, Ãkk÷LkÃkwh íkÚkk zeMkk þk¾k3. Äe økwshkík Mxux fku-ykuÃk. çkuLf ÷e. y{ËkðkË4. yu[.ze.yuV.Mke. çkuLf ÷e.,y{ËðkË

Ãk. Äe fk÷wÃkwh fku{oþeÞ÷ fku-ykuÃk.çkuLf ÷e. y{ËkðkË6. Äe {nuMkkýk yçkoLk fku-ykuÃk. çkuLf ÷e, Ãkk÷LkÃkwh7. ykE.ze.çke.ykE.çkutf, Ãkk÷LkÃkwh8. rhÍðo çkuLf ykuV ELzeÞk, y{ËkðkË

47 {ku ðkr»kof ynuðk÷ 2018-2019

Äe çkLkkMkfktXk {fuoLxkE÷ fku-ykuÃk. çkuLf ÷e; Ãkk÷LkÃkwh

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ykÚke çkuLfLkk Mkðo Mk¼kMkË ¼kE-çknuLkkuLku òý fhðk{kt ykðu Au fu, çkuLfLke ðkr»kof MkkÄkhý Mk¼k íkk.30-06-h019

Lku hrððkhLkk hkus Mkðkhu 9-30 f÷kfu ‘yu{.çke.fýkoðík nkEMfq÷,’ økkuçkhe hkuz, Ãkk÷LkÃkwh,{kt Lke[u Ëþkoðu÷ fkÞoðkne {kxu

{¤þu íkku Ëhuf MkÇÞ©eykuLku nksh hnuðk rðLktíke Au.

(1) íkk. h4-06-h018 Lkk hkus {¤u÷ ðkr»kof MkkÄkhý Mk¼kLke fkÞoðkne ðt[kýu ÷uðk çkkçkík.(2) íkk. 31-03-2019 Lkk hkus Ãkwhk ÚkÞu÷ ð»koLkku çkkuzo ykuV zehufxMko íkhVÚke hsw ÚkÞu÷ çkuLfLkk fk{fksLkku ynuðk÷,

MkhðiÞwt, íkÚkk LkVk-LkwfþkLkLkk rnMkkçkku ykuzexh©eLkk MkxeoVefux MkkÚku {tswh fhðk çkkçkík.(3) çkkuzo ykuV zehufxMko íkhVÚke Mkq[ðu÷k LkVkLke Vk¤ðýeLku {tswhe ykÃkðk íkÚkk rzðeztzLke ðnU[ýe ònuh fhðk çkkçkík.(4) Mk÷knfkh Mkr{ríkLke rLk{ýwtf fhðk ytøku.(Ãk) yæÞûk ©e íkhVÚke yÚkðk íku{Lke {tswheÚke su fkuE fk{ku hsw ÚkkÞ íku WÃkh rð[khýk fhe rLkýoÞ ÷uðk çkkçkík.

MÚk¤ : Ãkk÷LkÃkwhíkkhe¾ : 30-0Ãk-2019

çkkuzo ykuV zehufxMkoLkk ykËuþÚke

¼kðuþ fu. Ãkxu÷Mke.E.yku

1. yk çkuLfLke su ÃkuZe MkÇÞ nþu íku ÃkuZe ðíke {íkËkh ÞkËe «{kýu yrÄf]ík ¼køkeËkh s nksh hne þfþu.2. çkuLfLkk fkuE Ãký Mk¼kMkËLku çkuLfLkk fk{fks yLku Lkerík-rLkÞ{ku MktçkÄ{kt fkuE ¾w÷kMkku òuEíkku nkuÞ íkku çkuLfLke ðneðxe

f[uhe{kt íkk.24-06-h019 MkwÄe{kt Mke.E.yku Lku YçkY ÷ur¾ík ¾çkh ykÃkðk rðLktíke.3. Ëhuf Mk¼kMkËu ÃkkuíkkLkwt yku¤¾fkzo yð~Þ MkkÚku ÷kððkLkwt hnuþu. íkÚkk ðkr»kof ynuðk÷ MkkÚku ÷kððk rðLktíke.

l MÚkkÃkLkk 11-…-1973 l hS.™t.Mku/10906/1973 l heÍðo çkuLf ÷kÞMkLMk Lktçkh : ACD/GJ267 P.

l ðneðxe íkÚkk {wÏÞf[uhe, MkhËkhøkts hkuz, Ãkk÷LkÃkwh - 38…001

G fkÞoðkne G

G LkkutÄ G

l ðkr»kof MkkÄkhý Mk¼kLke LkkuxeMk l

[uh{u™ : 2…1196

Mke.E.yku : 02742-260274/2…314…

÷kuLk rð¼køk : 2…1239

çkufªøk rð¼køk : 2…3849

VkuLk : ({wÏÞ f[uhe)

y{ËkðkË nkEðu : 261708

ZwtZeÞkðkze : 2…4243

LkðeLk {kfuox Þkzo : 2…2141

Efçkk÷økZ : 235451

zeMkk þk¾k : 02744-224122

l þk¾kykuLkk VkuLk Lktçkh l

BANK PAN NO. AAABT 0111DBANK TAN NO. AHMT 02151CBANK GST NO. 24AAABT0111D1ZD



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l ðkr»kof ynuðk÷ MkLku 2018-2019 lMkw¿k Mk¼kMkË©eyku,Mk{økú çkLkkMkfktXk rsÕ÷k{kt yøkúøkÛÞ MÚkkLk Ähkðíke ykÃkýe çkuLfuu yrðhík MkV¤íkkLkk 47 ð»ko Ãkqýo fhe yzíkk÷eMk{k ð»ko{kt «ðuþ fhu÷Au. yksLke ðkr»kof MkkÄkhý Mk¼k{kt çkuLfLkku «økríkLkku ynuðk÷ ykÃkLke Mk{ûk hsw fhíkkt yíÞtík n»ko yLku ykLktËLke ÷køkýe yLkw¼ðwt Awt.

Ãkq. ðze÷ku íkÚkk r{ºkku ykÃkýku {wÏÞ æÞuÞ økúknfkuLku Wíf]ü çkuLfªøk Mkuðk ykÃkðe, MktÃkqýo ÃkkhËþof ðneðx ykÃkðku íkÚkk ík{k{ MkkÚkezkÞhufxMkou Lkerík{¥kkÚke sðkçkËkhe Mkt¼k¤ðe. suLku ytíku WÃksíkk Ãkrhýk{ MðYÃku SÕ÷kLke yçkoLk Mknfkhe çkuLfku{kt ÃkkuíkkLkwt ykøkðwt «Úk{MÚkkLk ò¤ðe hk¾e çkuLfu fkÞofkhe Ãkrhýk{ku çkkçkíku Wíf]ü fk{økehe çkòðe Au. suLke rðøkíkku Lke[u «{kýu Au.D ¼hÃkkE ÚkÞu÷ þuh ¼tzku¤ : çkuLfLkwt þuh ¼tzku¤ su Yk. 9,03,41,750/- níkwt su [k÷w Mkk÷u Yk. 10,22,37,850/- ÚkÞu÷ Au.

su 13.17% ðÄkhku Mkw[ðu Au. Mk¼kMkË MktÏÞk 7991 Au.D Úkk Ãkýk u : økík ð»k oLke ykÃkýe fw÷ ÚkkÃkýku Yk.2,23,02,37,748/57 hnuðk Ãkk{u÷. su [k÷w Mkk÷u ðÄeLk u

Yk. 2,66,95,24,572/69 hnuðk Ãkk{u÷ Au. su 19.70% ðÄkhku Mkw[ðu Au.D ÚkkÃkýkuLkwt ðøkeofhý :-

D rÄhkýku : økík LkkýktfeÞ ð»koLkk ytíku çkuLfLkwt rÄhký Yk.1,22,98,69,891/72 níkwt íku ðÄeLku [k÷w ð»kuoYk.1,60,16,63,768/44 ÚkÞu÷ Au. íkÚkk yøkúe{ yøkúíkk¢{Lkk rÄhkýku ytøkuLkk ÷ûÞktf heÍðo çkuLfLkk rLkÞ{ku yLkwMkkh 40% ÚkðwtVhSÞkík Au. íkuLke Mkk{u ykÃkýe çkuLfu 73.36 % rÄhký fhe Wå[ ÷ûÞktf nktMk÷ fhu÷ Au.

D hkufkýku : heÍðo çkuLfLkk rËþk rLkËuoþkLkwMkkh ykÃkýe çkuLfu hkufký Lkerík ½ze fkZu÷ Au yLku hkufkýku yk LkeríkLku yLkwMkheLku fhðk{kt ykðuAu. yLku ík{k{ ÔÞðnkhku ÃkkhËþeo íku{s ðkMíkrðf hÌkk Au. fw÷ hkufkýku Yk.1,28,70,28,867/50 Au.

D rÄhkýLkwt ðøkeofhý :

y.Lkt. ÚkkÃkýkuLkku «fkh MktÏÞk 31-03-2019

1. fuþ ¢uzex 79 1,94,31,447-402. nkEÃkkuÚkefuþLk 389 57,04,03,233-073. {k÷ fçkòøkehku 44 13,25,60,014-504. nkÞh Ãkh[uÍ 1132 20,57,33,379-64…. MkkuLkkLkk ËkøkeLkk Mkk{u ÷kuLk 110 77,63,160-006. r{Õfík þkLkøkehku / nkWMkªøk ÷kuLk 170 34,30,48,515-007. ykiãku. {þeLkhe ÷kuLk 35 16,98,92,968-508. Mkhfkhe ò{eLkøkehe / çkktÄe{wËík ÚkkÃký Mkk{u ÷kuLk 42 89,64,923-009. çkksÃkkE Þwðk hkusøkkh ÞkusLkk ÷kuLk 9 7,95,949-0010. ykuðhzÙkVx / r{÷fík ykuðh zÙkVx 72 9,18,98,889-4111. MxkV ÷kuLk ík{k{ «fkh 65 96,99,949-2012. yusÞwfuþLk ÷kuLk 5 29,84,963-0013. ÃkMkoLk÷ ÷kuLk (òíkò{eLk) 171 3,84,86,376-72

fw÷.... 2323 1,60,16,63,768-44

rÄhkýLkku «fkhy.Lkt. ¾kíkkLke MktÏÞk hf{ (31-03-2019)

D ðMkw÷kík : ðMkw÷kíkLkk Mkíkík «ÞíLkkuÚke íkÚkk ík{k{ ÷kuLk ÷uLkkh økúknfkuLke rLkÞr{íkíkkÚke çkuLfLkwt økúkuMk yuLk.Ãke.yu.0.16% Au. susþLkk Mkk[k n¬Ëkh ykÃk Mkki s Aku.

D fhs : ykÃkýe çkuLfu ©e çkLkkMkfktXk SÕ÷k {æÞMÚk Mknfkhe çkuLf ÷e, Ãkk÷LkÃkwh, yu[.ze.yuV.Mke.çkUf y{ËkðkË íkÚkk Äe økwshkíkMxux fku-ykuÃk.çkuLf ÷e,y{ËkðkË ykE.ze.çke ykE.çkuLf, Ãkk÷LkÃkwh Äe {nuMkkýk yçkoLk fku.yku.çkuLf ÷e, Ãkk÷LkÃkwh{kt çkktÄe {wËíkMkk{u ykuðhzÙkVx {tswh fhkðu÷ Au.

1. [k÷w ¾kíkk 3980 32,72,92,517-782. çk[ík ¾kíkk 39740 92,48,94,985-913. {wËíke ÚkkÃkýku 18617 1,41,73,37,069-00

fw÷... 62337 2,66,95,24,572-69



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D Mk¼kMkË fÕÞký rLkrÄ : [k÷w ð»kuo MkÇÞkuLkk yfk¤u yðMkkLk ÚkðkÚke íku{Lkk fwxwtçkesLkku WÃkh ykðe Ãkzu÷ ykfrM{f {w~fu÷eyku{kt{ËËYÃk Úkðk íkÚkk Mk¼kMkËkuLkk çkk¤fkuLku «kuíMkkrník fhðk Mk¼kMkË fÕÞkýrLkrÄ Vtz {ktÚke fw÷ Yk. 97,350/- ykÃkðk{kt ykðu÷ Au.yk ð»kuo Ãký Mk¼kMkËkuLkk çkk¤fkuLku ‘‘Äkuhý-1h Lkk rð¿kkLk«ðkn yu-økúwÃk, çke- økúwÃk íkÚkk Mkk{kLÞ«ðkn, Ëhuf «ðkn{kt «Úk{ Ãkkt[¢{ktfu Wíkeýo Úkíkk rðãkÚkeoykuLku MkkÄkhý Mk¼k{kt ELkk{ MkkÚku MkL{kLkðk{kt ykðþu.’’

D LkVkLke ðnU[ýe : [k÷w LkkýktfeÞ ð»ko ËhBÞkLk ½Mkkhk íkÚkk f{o[khe MÃku. «kuíMkknLk Ãkøkkh Lke òuøkðkE çkkË ykÃkýe çkuLfLkku fkÞofkheLkVku Yk. 6,61,00,000/- Úkðk Ãkk{u÷ Au.fkÞofkhe LkVku : 6,61,00,000-00çkkË : Yh÷ çkúkL[ çkuz & zkWx Vw÷ zuçxMk «kuðeÍLk (Efçkk÷økZ þk¾k ðkr»kof Mkhuhkþ rÄhkýLkk 10%) : 1,17,80,500-00çkuz yuLz zkWxVq÷ zuçxMk «kuðeÍLk LkVkLkk 8.…0% : 56,18,500-00MÃku~Þ÷ heÍðo ¾kíku (ELzMxÙeÞ÷ ÷kuLk - ÷ktçkk økk¤kLke ÷kuLkLkk ÔÞksLkk LkVkLkk 20% ) : 18,46,000-00[wfðu÷ ELf{xuûk : 1,61,90,000-00MxkLzzo yuMkuxMk «kuðe.0.40% (heÍðo çkUf ykuV ErLzÞkLke økkEz÷kELk {wsçk) : 15,14,000-00[kuÏ¾ku LkVku. : 2,91,51,000-00

D [kuÏ¾k LkVkLke ðnU[ýe : çkuLfLkk Ãkuxk fkÞËk 60 (y) yLðÞu [kuÏ¾k LkVkLke ðnU[ýe Lke[u «{kýu fhðk çkkuzo ykuV zehufxMko ðíkeÚke ¼÷k{ý fY tAwt. su [[ko rð[khýk fhe {tswh hk¾ðk rðLktíke Au.

[kuÏ¾ku LkVku :- 60 (yu) «{kýu :- 2,91,51,000-001. heÍðo Vtz 25% 72,87,750-00h. zeðeztz 12% «{kýu ðnU[ýe fhðk 1,13,50,070-003. rþûký Vk¤ku h.50% 2,00,000-004. zeðeztz Efðe÷kEÍuþLk Vtz h % 5,83,020-00…. Ä{koËk Vtz 1 % 2,91,510-006. ELðu.VÕfåÞwyuþLk heÍðo 38,00,000-007. zwçkík ÷uýkt Vtz 1Ãk% 43,72,650-00

çkkfe LkVku : 60 (ƒe) «{kýu :- 1. rçkÕzªøk Vtz 30% 3,79,800-00h. Mk¼kMkË fÕÞký rLkrÄ Vtz (Mk¼kMkË ¼ux) 6Ãk% 8,22,900-003. f{o[khe fÕÞkýrLkrÄ Vtz Ãk% 63,300-00

D zeðeztz : [k÷w Mkk÷u Mk¼kMkËkuLku 12 % «{kýu zeðeztz [wfððk ¼÷k{ý fY Awt.D yk¼kh ËþoLk :- çkuLfLkk hkuStËk ðneðx MkkÚku Mktf¤kÞu÷k {uLkuStøk zehufxh©e fhþLk¼kE yu÷. Ãkxu÷u ÃkkuíkkLke ÄtÄkfeÞ fk{økeheWÃkhktík íku{Lkku rLkÞr{ík Mk{Þ Vk¤ðe økúknfku, ¾kíkuËkhkuLkk «&™ku Wfu÷ðk íkÚkk VtzLkwt LkkýktfeÞ hkufký fhðk{kt íkÚkk çkuLfLke rÄhkýðMkw÷kíkLke fk{økehe{kt Mkr¢Þ ¼køk ¼sÔÞku Au. íkuLke yk¼kh MkkÚku LkkutÄ ÷ô Awt. íkÚkk ðkEMk [uh{uLk ©e hsLkefkLík fu. Ãkxu÷, òuELx{uLkuStøk zehufxh ©e {nuþ¼kE Ãke. Ãkxu÷, çkkuzo ykuV zehufxMkoLkk MkkÚke MkÇÞ©eyku, þk¾ Mkr{ríkLkk MkÇÞ©eyku íkÚkk Mk÷knfkh Mkr{ríkLkkMkÇÞ©eyku, zeMkk þk¾k íkÚkk Efçkk÷økZ þk¾kLkk MÚkkrLkf Mk÷knfkh©eyku fu suyku yu çkuLfLkk ík{k{ rðfkMk fkÞkou{kt Wtzku hMk Ëk¾ðeçkuLfLkk ðneðx yLku Lkerík rð»kÞf rLkýoÞku Mkw÷¼ çkLkkðeLku çkuLfLku MktøkeLk ÃkrhrMÚkrík{kt {wfe Au. íkuykuLkk y{wÕÞ Mknfkh çkË÷ ytík:fhýÃkqðofyk¼kh {kLkwt Awt. çkuLfLkk Mke.E.yku ©e ¼kðuþ fu. Ãkxu÷, sðkçkËkh yrÄfkheyku íkÚkk f{o[khe Ãkrhðkhu çkuLfLkk hkusçkhkusLkk fkÞkou{kt ykçkuLfLku ÃkkuíkkLke s MktMÚkk økýe ¾tík yLku WíMkknÚke ðVkËkheÃkqðof sðkçkËkheyku rLk¼kðe økúknfkuLkku rðïkMk MktÃkkËLk fhu÷ Au. suLke LkkutÄ÷ô Awt. íkÚkk ¼rð»Þ{kt Ãký çkuLfLke Wíkhku¥kh «økrík MkkÄðk fxeçkæÄ hnu íkuðku yLkwhkuÄ fY Awt. rhÍðo çkuLfLkk yrÄfkhe©eyku, rsÕ÷khSMxÙkh©e, çkLkkMkfktXk rsÕ÷k çkuLf, økwshkík hksÞ Mknfkhe çkuLf íkÚkk økwshkík yçkoLk çkuLf VuzhuþLkLkk [uh{uLk©e, çkkuzo ykuV zehufxMkoíkÚkk yrÄfkheøký, çkuLfLkk ÷eøk÷ yuzðkEÍh©e, yuLSLkeÞh©e, çkuLfLkk ðiÄkrLkf (MxuåÞwxhe) ykuzexh©e, íkÚkk fkuLfhLx ykuzexh©eLkkuíkÚkk W¥kh økwshkík yçkoLk çkuLf VuzhuþLkLkk ðkEMk [uh{uLk©e íkÚkk ykÃkýe çkuLfLkk Mk÷knfkh Mkr{ríkLkk MkÇÞ©e rþðhk{¼kE ykE.Ãkxu÷Lkku yk «Mktøku yk¼kh {kLkwt Awt. ytík{kt çkuLfLke MÚkkÃkLkkÚke yksrËLk MkwÄeLke çkuLfLke rðfkMkÞkºkk{kt ykÃk Mkki Mk¼kMkËku, LkkLkk-{kuxkÚkkÃkýËkhku, økúknfku íkÚkk þw¼uåAfku yu su MkkÚk Mknfkh ykÃÞku íku çkË÷ nwt ykÃk MkkiLkku Éýe Awt.

MÚk¤ : Ãkk÷LkÃkwh.íkkhe¾ : 30-0Ãk-h019

Eïh¼kE yu.Ãkxu÷[uh{u™

Äe çkLkkMkfktXk {fuo.fku-ykuÃk. çkuLf ÷e., Ãkk÷LkÃkwh.



(5)

D zeMf÷kuÍh ykuV ELVh{uþLk - 2018-2019 D(1) {wze ÃkÞkoÃíkíkk :-heÍðo çkuLf îkhk r{Õfíkku Mkk{uLkk Mkt¼ðeík òu¾{kuLku Ãknkut[e ð¤ðk {kxuLke ÃkÞkoÃík {wzeLkwt Äkuhý (fuÃkex÷ xw heMf yuMkuxMk

huþeÞku CRAR ) ÷køkw Ãkkzðk{kt ykðu÷ Au. suLkk yLkwMktÄkLku heÍðo çkuLfLke Mkw[LkkLkwMkkh ykÃkýe çkuLf {kxuíkk.31-03-2019 Lkk hkus {eLke{{ CRAR 9% nkuðku òuEyu. suLke Mkk{u ykÃkýe çkuLfu íkk. 31-3-2019 Lkk hkus13.35 % CRAR «kó fhu÷ Au. su çkuLfLke Mkk[e MkæÄhíkk Ëþkoðu Au.(2) ¢uzex zeÃkkuÍex huþeÞku :- Mke.ze. huþeÞku 60 % Au.(3) økðo{uLx MkefÞkuhexe{kt hkufkýku :-

y.Lkt.

1.h.

31-03-2018 (Yk. ÷k¾{kt)

3,354-344,476-08

7,830-42

31-03-2019 (Yk. ÷k¾{kt)

3,338-495,481-87

8,820-36

SykuykE/ xÙuÍhe çkeÕMkSyuMkzeyu÷fw÷...

rð„ík

fw÷ rÄhkýøkúkuMk yuLk.Ãke.yu.økúkuMk yu™.…e.yu.%

31-03-h018(Yk. ÷k¾{kt)

12,298-7021.260.17 %

31-03-h019 (Yk. ÷k¾{kt)

16,016-6425.050.16 %

rð„ík

yuLk.Ãke.yu. Mkk{u «kuðeÍLk™ux yu™.…e. yu.xfkðkhe

31-03-h018(Yk. ÷k¾{kt)

605-93 0 %

31-03-h019(Yk. ÷k¾{kt)

829-13 0 %

y.Lkt.

1.31-03-2018 (Yk. ÷k¾{kt)

211.2031-03-2019 (Yk. ÷k¾{kt)

210.00LkkuLk yuMk.yu÷.ykh. çkkuLz

(4) rð{k Mkwhûkk fð[ :- ÚkkÃkýËkhkuLke Yk. 1 ÷k¾ MkwÄeLke ÚkkÃkýku zeÃkkuÍex ELMÞkuhLMk ¢uzex økuhtxe fkuÃkkouhuþLk îkhkrð{kÚke Mkwhrûkík Au. yk {kxu ykÃkýe çkuLf íkhVÚke rð{k «e{eÞ{Lke hf{ Lke[u «{kýu [wfðe ykÃku÷ Au.

(…) yuLk.Ãke. yu. ykuðhzÞw : çkuLfLkk fw÷ rÄhký Mkk{u {wËíkðeíke çkkfe Yk.3,12,633/- hnuðk Ãkk{u÷ Au. su fw÷rÄhkýLkk 0.01% íkÚkk heÍðo çkuLfLkk rLkÞ{kLkwMkkh yuLk.Ãke.yu.Lke økýºke fhíkkt çkuLfLkwt 31-3-h019 Lkk hkus økúkuMk yuLk.Ãke.yu.Yk.25,04,905/- hnu Au. suLke Mkk{u çkuLf Yk.8,29,13,430-78 ÃkwhkLkwt «kuðeÍLk fhe 0 (Íehku)% Lkux yuLk.Ãke.yu.fhu÷ Au.

y.Lkt.

1.2.3.

Mk{Þ

1-04-2018 Úke 30-09-2018 MkwÄeLkk Mk{ÞLkwt r«{eÞ{1-10-2018 Úke 31-03-2019 MkwÄeLkk Mk{ÞLkwt r«{eÞ{1-04-h019 Úke 30-09-h019 MkwÄeLkk Mk{ÞLkwt r«{eÞ{

YrÃkÞk

Yk. 13,61,000-00 Yk. 13,81,236-00 Yk. 1Ãk,87,776-00

[qfÔÞk íkkhe¾

04-04-201803-10-20181Ãk-0Ãk-h019

yuLk.Ãke.yu. hkufkýku íkÚkk òuøkðkE :-

1.2.3.4.

31-03-2018(Yk. ÷k¾{kt) 31-03-2019 (Yk. ÷k¾{kt)

yuLk.Ãke.yu. hkufkýkuyuLk.Ãke.yu. hkufkýku Mkk{u òuøkðkE (IDR)

ELðuMx{uLx VÕfåÞwyuþLk heÍðo (IFR) ¾kíku YkrhÍðo çkuLfLkk ykËuþ {wsçk (MMCB) {kt fhu÷ hkufký Yk. 437.99 ÷k¾Lkku yuLk.Ãke.yu. hkufký{ktMk{kðuþ fhðk{kt ykðu÷ Au su hkufkýku Mkk{u 100% «kurðÍLk IDR ¾kíku fhðk{kt ykðu÷ Au.

y.Lkt.

50.00549.30128.25

Ãk0.00563.50

÷k¾Lke òuøkðkE fhðk{kt ykðu÷ Au.



(6)

íkk. 31-03-2019 Lkk hkus Ãkwhk Úkíkk ð»koLkwt MkhðiÞwt (MkLku 2018-2019)

31-03-2018 {qze íkÚkk Ëuðkt 31-03-2019

10,00,00,000,00 1. þuh ¼tzku¤ 20,00,00,000,00yrÄf]ík þuh ¼tzku¤80,00,000 þuh Ëhuf Yk. 25/-Lkku

9,03,41,750-00 h. ¼hkÞu÷ íkÚkk ðMkw÷ ykðu÷ þuh¼tzku¤ 10,22,37,850-00Ëhuf Yk. 25/- Lkku yuðk 4089514(økE Mkk÷ 3613670)

(9,03,41,7Ãk0-00) (y) ÔÞrfíkyku ÃkkMku 10,22,37,850-00(ƒ) Mknfkhe MktMÚkkyku ÃkkMku(f) hksÞ Mkhfkh©e

3. heÍðo íkÚkk yLÞ Vtzku 24,44,79,224-676,05,61,726-89 (1)heÍðo Vtz 6,58,59,934-89

27,53,450-25 (2) zeðeztz Efðe Vtz 31,63,450-251,24,45,258-73 (3) rçkÕzªøk Vtz 1,34,20,558-73

12,683-10 (4) Mknfkh «[kh Vtz 12,683-1020,06,413-72 (5) Ä{koËk Vtz 22,11,413-72

5,59,43,430-78 (6) zwçkík÷uýkt Vtz 7,64,17,430-781,52,618-22 (7) heçkux Vtz 1,52,618-22

44,252-92 (8) MxkV økúusÞwExe Vtz 17,881-9213,04,672-00 (9) Mk¼kMkË fÕÞký rLkrÄ Vtz 5,32,536-76

10,434-49 (10) MxkV ðu÷Vuh Vtz 1,72,984-491,28,25,000-00 (11) ELðu. VÕfåÞwyuþLk heÍðo (IFR) 1,28,25,000-00

53,32,575-00 (12) MxkLzzo yuMkuxMk (yuz) «kuðeÍLk 68,46,575-005,49,30,156-81 (13) ELðu. zu«eyuþLk heÍðo (IDR) 5,63,50,156-81

46,50,000-00 (14) MÃku.heÍðo «kuðe.(÷ktçkkøkk¤kLkk yuz.LkVkLkk) 64,96,000-00

21,29,72,672-91 24,44,79,224-67

2,23,02,37,748-57 4. ÚkkÃkýkuu :- h,66,9Ãk,h4,Ãk7h-69(1) çkktÄe{wËík ÚkkÃkýku

(1,12,21,11,147-00) y. ÔÞrfíkyku 1,41,73,37,069-00ƒ. Mknfkhe {tz¤eyku

(2)çk[ík ÚkkÃkýku(84,90,03,002-36) y. ÔÞrfíkyku 92,48,94,985-91

ƒ. Mknfkhe {tz¤eyku

2,53,35,52,171-48 3,01,6h,41,647-36Mkhðk¤ku ykøk¤ ÷E økÞk 2,34,22,32,054-91



(7)


31-03-2018 r{÷fík íkÚkk ÷uýkt 31-03-20194,03,88,037-23 1. nkÚk WÃkh rMk÷f 5,07,63,955-07

heÍðo çkuLf ykuV ELzeÞk,Mxux çkuLf ykuV ELzeÞk, ykE.ze.çke.ykE.çkUf [k÷w ¾kíku

8,55,20,750-03 ©e çk.fkt.S. {æÞMÚk Mkn çkuLf ÷e. 6,31,84,866-86 6,31,84,866-86 íkÚkk hksÞ Mkn.çkuLf ÷e. [k÷w ¾kíku2. yLÞ çkuLfku{kt rMk÷f([k÷w ¾kíkw) 1,66,51,892-47

16,12,952-00 1. Äe {nuMkkýk yçkoLk fku-ykuÃk. çkuLf ÷e. Ãkk÷LkÃkwh 34,27,197-001,78,271-66 2. Äe fk÷wÃkwh fku{o. fku-ykuÃk. çkuLf ÷e. y{ËkðkË 1,23,733-62

2,71,33,823-38 3. yu[.ze. yuV.Mke.çkuLf ÷e. y{ËkðkË. 1,31,00,961-85

2,89,25,047-04 1,66,51,892-473. fku÷ íkÚkk yLÞ zeÃkkuÍex 1,28,67,73,867-50

4,00,000-00 1. Äe økws.Mxux fku.ykuÃk.çkuLf ÷e.yu{.yu. Mfe{ 4,00,000-004,50,00,000-00 2. ©e çk.fkt.S.{æÞ.Mkn.çkuLf÷e.çkkt.{w.ÚkkÃký 4,03,00,000-004,00,00,000-00 3. Äe økwshkík Mxux fku-ykuÃk çkuLf ÷e.çkk.{w.ÚkkÃký 2,00,00,000-00

58,90,62,088-00 4. økðo{uLx MkefÞkuhexe 66,34,89,288-004,39,98,895-00 ….Äe {kÄðÃkwhk {fuo.fku-ykuÃk çkuLf ÷e.y{ËkðkË çkkt.{w.Úkk. 4,37,98,895-00

50,00,000-00 6. økwshkík M{ku÷ ELz. fkuÃkkou. çkkuLz 50,00,000-0095,00,000-00 7. ÞwrLkÞLk çkuLf çkkt.{wt. ÚkkÃký -

2,30,00,000-00 8. ykE.ze.çke.ykE.çkuLf çkkt.{w.ÚkkÃký 2,81,00,000-0019,49,78,734-00 9. xÙuÍhe çkeÕMk 21,85,45,166-50

2,02,00,000-00 10. yuMk.çke.ykE.ze.yuV.yu[.ykE. fku÷ zeÃkkuÍex 10,00,00,000-004,33,76,454-00 11. yu[.ze.yuV.Mke.çkuLf ÷e. çkkt.{w. ÚkkÃký 5,11,40,518-007,80,00,000-00 12. {nuMkkýk yçkoLk fku.ykuÃk çkUf çkkt.{w. ÚkkÃký 8,00,00,000-008,91,00,000-00 13. fk÷wÃkwh fku{o çkUf çkkt.{w. ÚkkÃký -1,61,20,000-00 14. ykE.yuV.Mke. ykE. çkkuLz 1,60,00,000-00

- 15. yu[.ze.yuV.Mke.çkUf fku÷ 2,00,00,000-001,19,77,36,171-00 1,28,67,73,867-50

4. hkufkýku :-2,50,000-00 1. ©e çk.fkt.S.{æÞ Mkn.çkuLf÷e.Ãkk÷LkÃkwh Lkk þuh 2,50,000-00

Ëhuf Yk. hÃk/-Lkku yuf yuðk 10000/-þuh…,000-00 2. Äe økws.Mxux fku-ykuÃk çkuLf ÷e.y’ðkËLkk þuh …,000-00

2,……,000-00 2,……,000-00 2,55,000-00-

…. {wÏÞ/økkiý hksÞ ¼køkeËkhe VtzLkwt hkufký :- -

1,35,28,25,005-30 1,41,76,29,581-90Mkhðk¤ku ykøk¤ ÷E økÞk

}



(8)

31-03-2018 {wze íkÚkk Ëuðkt 31-03-2019

2,53,35,52,171-48 Mkhðk¤ku ykøk¤ ÷kÔÞk 2,34,22,32,054-91 3,01,62,41,647-36

(3) [k÷w ÚkkÃkýk

(25,90,94,027-21) y. ÔÞrfíkyku ÃkkMku 32,72,92,517-78

ƒ. Mknfkhe {tz¤eyku ÃkkMku

(4) Ãkkfe økÞu÷ ÚkkÃkýku

(29,572-00) y. ÔÞrfíkyku ÃkkMku

ƒ. Mknfkhe {tz¤eyku ÃkkMku

2,23,02,37,748-57 2,66,95,24,572-69

5. fhs :-

heÍðo çkUf íkÚkk hksÞ Mknfkhe çkUf

- y. xwtfe {wËíkLke ÷kuLk yLku fuþ¢uzex -

ykuðh zÙkVx Ãkife

- 1. Mknfkhe fu yLÞ ò{eLkøkehe Mkk{u -

- 2. xuLSçk÷ MkefÞkuhexe Mkk{u nkEÃkku -

çkktÄe {wËík ÚkkÃký Mkk{u ykuðhzkVx

6. çkeÕMk Vkuh f÷ufþLk

- 1. ELðzo çkeÕMk Vkuh f÷ufþLk - 1,06,654-00

3,45,328-00 2. rçkÕMk f÷ufþLk 1,06,654-00

3,45,328-00 1,06,654-00

- 7. þk¾kLkk nðk÷k - -

8. {wËíkðeíke ÔÞks yuLk.Ãke.yu.

7,30,086-00 {wËíkðeíke ÔÞks yLkk{ík 11,74,933-00 11,74,933-00

6,54,07,048-07 9. [wfððkÃkkºk ÔÞks. 49,80,682-07 49,80,682-07

2,60,00,34,633-55 3,02,25,03,916-43


Mkhðk¤ku ykøk¤ ÷E økÞk



(9)

31-03-2018 r{÷fík íkÚkk ÷uýkt 31-03-2019

1,35,28,25,005-30 Mkhðk¤ku ykøk¤ ÷kÔÞk 1,41,76,29,581-901,22,98,69,891-72 6. rÄhkýku :- 1,60,16,63,768-44

66,45,27,393-66 (1) xqtfe {wËík fuþ¢uzex ykuðhzÙkVx yLku 80,53,43,028-81ðxkðu÷ rçk÷

(66,45,27,393-66) y. Mkhfkhe yLku yLÞ ò{eLkøkehe Mkk{u (80,53,43,028-81)ƒ.çkeS xuLSLk÷ ò{eLkøkehe Mkk{uf. íkkhýðøkh ykuðhzkVx

(1,90,42,877-07) z. íkkhý ðøkh fuþ¢uzex (1,94,31,447-40)E. yLÞ MxkV rÄhký yuzðkLMkV. çkeÕMk Ãkh[uÍ

WÃkhkufík rÄhkýku Ãkife.(66,45,27,393-66) y. ÔÞrfíkyku ÃkkMku ÷uýkt (80,53,43,028-81)

(6,60,579-00) ƒ. su Ãkife {wËík ðeíke -(43,552-00) f. ytËksu zwçkík þf{tË (8,42,504-00)

23,83,26,171-56 (2) {æÞ{ {wËík÷kuLk 27,72,25,529-13(23,83,26,171-56) 1. ÔÞrfíkyku ÃkkMku (MxkV rÄhký MkkÚku) (27,72,25,529-13)

(13,09,427-00) 2. su Ãkife {wËík ðeíke (56,526-00)(63,568-00) 3. ytËksu zwçkík ÷uýkt (15,30,479-00)

32,70,16,326-50 (3) ÷ktçke {wËík ÷kuLk 51,90,95,210-50 - 1. Mkhfkhe yLku çkeS ò{eLkøkehe Mkk{u - - 2. çkeS xuLSçk÷ ò{eLkøkehe Mkk{u -

(32,70,16,326-50) y. ÔÞrfíkyku ÃkkMku (MxkV rÄhký MkkÚku) (51,90,95,210-50)(1,52,177-00) ƒ. su Ãkife {wËík ðeíke (2,56,107-00)

(1,33,194-00) 3. ¾kuxk þf{tË (1,31,922-00)1,22,98,69,891-72 1,60,16,63,768-44

7. {¤ðkÃkkºk ÔÞks 2,42,29,706-662,64,95,825-00 ÔÞks ÷uýkt 2,30,54,773-66

7,30,086-00 {wËíkðeíke ÔÞks (yuLk.Ãke.yu.) 11,74,933-002,72,25,911-00 2,42,29,706-66

8. çkeÕMk heMkeðuçk÷ 1,06,654-00y. ELðzo çkeÕMk heMkeðuçk÷ -

3,45,328-00 çk. çkeÕMk heMkeðuçk÷ 1,06,654-003,45,328-00 1,06,654-00

2,61,02,66,136-02 3,04,36,29,711-00





(10)

31-03-2018 {qze íkÚkk Ëuðk 31-03-2019

2,60,00,34,633-55 Mkhðk¤ku ykøk¤ ÷kÔÞk 3,02,25,03,916-4310. yLÞ sðkçkËkheyku :- 8,62,70,441-88

18,36,234-37 1. Ãkh[whý Ëuðk 5,54,627-376,05,687-00 2. zeðeztz ykÃkðkLkwt çkkfe 6,78,431-00

59,522-00 3. økkuzkWLk íkk¤k zeÃkkuÍex 72,845-005,47,20,316-00 4. heSÞkuLk÷ MxkV «ku.Vtz y{ËkðkË. 5,47,20,316-001,18,86,344-58 …. MxkV økúusÞw.Vtz yu÷.ykE.Mke.økktÄeLkøkh. 1,48,83,763-40

72,710-00 6. MkMÃkuLMk yufkWLx 87,360-0011,19,110-62 7. Ãku M÷eÃk yufkWLx 13,29,097-62

3,40,000-00 8. ykuzex Ve ÃkuÞuçk÷ 4,88,000-0027,284-00 9. zÙkVx ÃkuÞuçk÷ 27,284-00

105-00 10. þuh yhS 18,65,505-007,79,900-36 11. MxuE÷ [uf ¾kíku 12,39,823-36

45,278-00 1h. Mk¼kMkË ¼ux ÞkusLkk 1,08,815-003,73,878-00 13. MxkV «kuðeztz Vtz 3,60,550-00

15,000-00 14. MkçkMkeze ÃkuÞuçk÷ 15,000-0016,377-00 1…. xuûk «kuðeÍLk 16,377-00

26,21,077-24 16. f{o[khe «kuíMkknLk MÃku.Ãkøkkh «kuðeÍLk 45,11,114-5534,65,453-00 17. MxkV ÷eð yuLkfuþ{uLx Vtz 29,92,469-00

4,811-00 18. MxuþLkhe / xuLzh Ve 5,000-002,500-00 19. ÷kufMko çkúkufLk zeÃkkuÍex -

14,50,550-00 h0. ELf{xuûk ÃkuÞuçk÷ -11,220-00 21. ÔÞðMkkÞ ðuhk ¾kíku 12,210-00

9,09,855-00 22. ELf{xuûk (TDSFDR) 8,23,567-001,80,872-80 23. MkrðoMk xuûk ¾kíku (GST) 7,45,786-581,27,750-00 24. MxkV ELf{xuûk (TDS) 3,54,500-003,04,000-00 25. ðknLk zeÃkkuÍex 3,78,000-00

8,09,75,835-97 8,62,70,441-88

2,68,10,10,469-52 3 , 10 , 8 7 ,7 4 , 3 5 8- 3 1





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2,61,02,66,136-02 Mkhðk¤ku ykøk¤ ÷kÔÞk 3,04,36,29,711-0074,56,065-58 9. s{eLk yLku {fkLk 72,95,577-5880,49,640-11 ÃkkA÷e çkkfe 74,56,065-58

+ 1,09,000-00 W{uhku : {fkLk heLkkuðuþLk + 4,97,895-00- 7,02,574-53 çkkË ½Mkkhku - 6,58,383-0074,56,065-58 çkkfe 72,95,577-5877,Ãk3,060-64 10 .hk[h[e÷wt yLku VLkeo. íkÚkk Vef[Mko VexeøMk 76,39,369-64

6,33,8Ãk7-6Ãk 1. zuz Mxkuf ÃkkA÷e çkkfe 6,20,667-65+ÃkÃk,774-00 LkðeLk ¾heËe +2,45,411-00- 68,964-00 ½Mkkhku -72,336-00

6,20,667-65 7,93,742-65 7,93,742-652056622-79 h. VLkeo.Vexªøk Ãkk.çkk. 18,71,833-79+ 22,949-00 LkðeLk ¾heËe 4,21,462-00

-2,07,738-00 ½Mkkhku -2,09,097-0018,71,833-79 20,84,198-79 20,84,198-79

40,72,894-20 3. MkuV zeÃkku.÷kufMko Ãkk.çkk.52,60,559-20+ 17,68,806-02 LkðeLk ¾heËe -

-5,81,141-02 ½Mkkhku -4,99,131-0052,60,559-20 47,61,428-20 47,61,428-2061,72,857-79 11. Ã÷kLx yLku {þeLkhe 65,23,438-79

8,94,974-00 1. {kuxh ðknLk Ãkk.çkk. 7,82,148-00+25,200-00 W{uhku +4,93,047-00

- ðu[ký - 72,000-00- 1,38,026-00 çkkË ½Mkkhku -1,80,479-00

7,82,148-00 10,22,716-00 10,22,716-0015,13,332-50 2. Ã÷kLx {þeLkhe Ãkk.çkk.16,50,542-20

+ 4,11,172-46 LkðeLk ¾heË + 3,79,176-00- 2,73,962-76 ½Mkkhku - 2,94,483-0016,50,542-20 17,35,235-20 17,35,235-2025,97,929-20 3. çkuLf fkuBÃÞwxh Ãkk.çkk.37,40,167-59

+ 22,23,273-59 LkðeLk ¾heËe + 13,81,066-00- 96,027-00 ¼tøkkh ðu[ký -

9,85,008-20 ½Mkkhku - 1355746-0037,40,167-59 37,65,487-59 37,65,487-59

6,98,62,349-49 12. yLÞ ÷uýwt 7,28,37,261-303,15,000-00 1. MxuþLkhe Mxkuf 3,75,000-00

3,165-00 2. ÷kÞçkúuhe Ãkk.çkk. + 3,165-003,18,165-00 3,78,165-00 3,78,165-00

31-03-2018 r{÷fík íkÚkk ÷uýkt 31-03-2019

2,70,15,10,469-52 3,13,79,25,358-31


Mkhðk¤ku ykøk¤ ÷E økÞk 3,78,165-00



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31-03-2018 {qze íkÚkk Ëuðkt 31-03-2019

2,68,10,10,469-52 Mkhðk¤ku ykøk¤ ÷kÔÞk 3,10,87,74,358-31

11. LkVk LkwfþkLk ¾kíkwt

1,42,00,000-00 ÃkkA÷k MkhðiÞk {wsçk 2,05,00,000-00

-1,42,00,000-00 çkkË : ðnU[ýe -2,05,00,000-00

+2,05,00,000-00 W{uhku : [k÷w Mkk÷Lkku LkVku Lk.Lkw.¾kíku Úke ÷kÔÞk 2,91,51,000-00 2,91,51,000-00

12. ykfrM{f sðkçkËkheyku

(66,20,690-00) 1. ykÃkðk{kt ykðíke økuhtxe ytøkuLke (67,13,000-00)

çkkfe hnuíke sðkçkËkheyku

(MktÃkqýo íkkhýðk¤e)

(1,22,26,750-00) h. fLxesLMke ÷kÞkçke÷exeÍ (1,29,24,405-00)

(RBI DEAF A/c)

2,70,15,10,469-52 fw÷ Mkhðk¤ku .... 3,13,79,25,358-31

y{khk yks íkkhe¾Lkk ykuzex {u{ku íkÚkk ykuzex LkkutÄLku ykÄeLk hneLku

MÚk¤ : Ãkk÷LkÃkwh

íkkhe¾ : 23-05-2019

MknerLkíkeLk Ãke.{nuíkk yuLz fkwt.,Mke.yu.ÃkkÚko rLkíkeLk {nuíkk (ÃkkxoLkh)

[kxozo yufkWLxLxMkT MxuåÞwxhe ykuzexh{uLku.1h993h, ÃkuLk÷ Lkt.640, y{ËkðkË.

FRN :107150W, RBI :120713, CAGWR1335,





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31-03-2018 r{÷fík yLku ÷uýkt 31-03-2019

2,70,15,10,469-52 Mkhðk¤ku ykøk¤ ÷kÔÞk 3,78,165-00 3,13,79,25,358-31

3,325-00 3. MÃku. yÄuþeoð MxuBÃk 2,000-00

93,173-00 4. xu÷eVkuLk zeÃkkuÍex 93,173-00

3,800-00 …. Ônef÷ Mk[o zeÃkkuÍex 650-00

2,23,148-00 6. Ãkh[whý ÷uýkt 24,823-00

3,22,127-33 7. MkrðoMk xuûk / GST 13,93,676-72

…00-00 8. ¼khík økuMk zeÃkkuÍex …00-00

28,022-60 9. økkuzkWLk íkk¤k zeÃkkuÍex 45,839-60

2,01,644-00 10. ELf{xuûk heMkeðuçk÷ (TDS) 3,12,916-41

45,278-00 11. Mk¼kMkË ðkMký ¼ux Mxkuf 1,08,815-00

8,84,359-00 12. MÃku. yÄuþeoð MxuBÃk Mku÷ 442-00

5,47,20,316-00 13. heSÞkuLk÷ MxkV «ku.Vtz y{ËkðkË 5,47,20,316-00

1,18,86,344-58 14. MxkV økúusÞwExe yu÷.ykE.Mke.økktÄeLkøkh 1,48,83,763-40

1,01,000-00 15. yuzðkLMk ELf{xuûk 4,11,000-00

2,27,740-00 16. fkuBÃÞwxh MkkuVxðuh yuzðkLMk 3,07,608-00

7,94,515-98 17. Ãkh[whý Õnuýkt (DEAF A/c) 70,027-17

6748-00 18. ÷ðkË Ve zeÃkkuÍex 6,748-00

674-00 19. PMJJBY.,(ELMÞwhLMk) h4-00

1,469-00 h0 PMSBY., (ELMÞwhLMk) Ãk78-00

- h1. BBPS., zeÃkku. (yufkWLx) 49,540-00

- h2. Oxigen wallets yufkWLx 26,656-00

6,98,62,349-49 7,28,37,261-30

2,70,15,10,469-52

fhþLk¼kE yu÷. Ãkxu÷{uLkuStøk zehufxh

3,13,79,25,358-31


Eïh¼kE yu. Ãkxu÷[uh{u™

hsLkefkLík fu. Ãkxu÷ðkEMk [uh{uLk

{nuþ¼kE Ãke. Ãkxu÷òu. {uLkuStøk zehufxh çkkuzo ykuV zehufxMko

(1) Ãkw»fh¼kE yuLk.Ãkxu÷(h) rËLkuþ[tÿ çke. Ãkxu÷(3) rðLkkuË[tÿ çke. Ãkxu÷(4) fkLíke÷k÷ ykh. {kuËe(Ãk) fkLk{÷¼kE ykh. yøkúðk÷(6) rð¢{¼kE yu. Ãkxu÷(7) Ëuð[tË¼kE çke. Ãkxu÷

(8) çku[hËkMk ze. Ãkxu÷(9) nehk¼kE çke. Ãkxu÷(10) MkrðíkkçkuLk yu. Ãkxu÷(11) {eLkkçkuLk ykh. Mkku{kýe(12) Lkxw¼kE ykE. Ãkxu÷ (fku-ykuÃx Mke.yu.)(13) {kðk¼kE yu{. {kuøkk (fku-ykuÃx.çkuLfªøk)

fw÷ Mkhðk¤ku ....




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17,14,58,412-62 1. ÚkkÃký yLku fhs ÃkhLkwt ÔÞks 18,48,Ãk7,998-003,39,44,164-21 h. Ãkøkkh ¼ÚÚkk yLku «ku. Vtz 3,46,3h,1Ãk8-31

- 3. zehu. yLku MÚkkLkef fr{rx{kt MkÇÞ Ve ¼ÚÚkkt -36,38,098-07 4. {fkLk ¼kzw, fh, rð{k, rðs¤e ¾[o 45,28,021-14

1,49,000-00 …. ÷eøk÷ Ve íkÚkk xuûk ykuzex Ve 91,000-002,37,487-27 6. íkkh-xÃkk÷ xu÷eVkuLk ¾[o 2,26,463-753,86,370-00 7. ykuzex Ve 5,10,000-00

29,57,414-51 8. çkuLfLke r{Õfík Ãkh ½Mkkhku 32,69,655-005,47,788-90 9. MxuþLkhe r«Lxªøk yLku ònuhkík ¾[o 7,24,703-62

34,81,147-46 10. yLÞ ¾[o 47,94,744-483,33,267-00 (1) Ãkh[whý ¾[o 2,32,908-79

51,667-00 (h) MkÇÞ Ve ÷ðks{ 1,85,915-0029,867-00 (3) {wMkkVhe ¾[o 66,788-09

1,03,214-00 (4) MkkÄkhý Mk¼k ¾[o 1,14,680-0018,11,604-54 (…) fkuBÃÞwxh ¾[o 22,67,332-88

83,800-00 (6) f÷eÞhªøk nkWMk ¾[o 94,298-001,06,081-00 (7) Mkh¼hk ¾[o 1,39,005-00

91,286-66 (8) ELkkuðk økkze ¾[o 1,44,788-9041,195-69 (9) {kÁríkðkLk ¾[o 59,464-62

1,514-00 (10) Mk¼kMkË Vkuxku ¾[o 6,288-0079,399-00 (11) MxkV xÙUELkeøk / ¼híke ¾[o 1,50,341-0061,687-00 (12) fuþ fkWLxªøk {þeLk MkðeoMk ¾[o 51,164-0024,417-00 (13) f{o[khe zÙuMk ¾[o 2,32,453-04

2,00,545-75 (14) heÃkuhªøk ¾[o 2,13,878-5213,058-70 (15) ðuMÃkk Mfqxh ¾[o 11,406-75

1,03,946-42 (16) MxuBÃk VuLfªøk ¾[o 1,67,828-8672,922-10 (17) SyuMkxe ¾[o 4,10,560-1788,586-00 (18) ELMkezuLx÷ [kSoMk -

4,000-00 (19) çkUf ÔÞðMkkÞðuhk ¾[o 4,002-005,500-00 (20) çkúkL[ Mku÷eçkúuþLk ¾[o 18,300-00

1,16,713-60 (21) Mknfkh «[kh ¾[o 2,13,150-0056,875-00 (22) MkrðoMk xuûk ¾[o -

- (h3) ¢uzex ELf{ Ve 10,190-86

34,81,147-46 47,94,744-48

54,60,000-00 11. ÷kuMk ykuV økðo{uLx MkefÞku.Mku÷ 60,59,800-00h,07,800-00 12. r«{eÞ{ ¾[o (økðo. MkefÞkuhexe) 2,37,000-00

23,49,399-00 13. zeÃkkuÍex ELMÞw.ðe{k. r«{eÞ{ ¾[o 23,23,927-00(4,38,00,000-00) LkVku : çkuz yuLz zkWxVw÷ zuçxMk «kuðe íkÚkk ½Mkkhk (6,61,00,000-00)

- çkkË íkÚkk E.xuûk [wfÔÞk Ãknu÷kLkku fkÞofkhe LkVku -6Ãk,3h,000-00 Yh÷ çkúkL[ çkuz yuLz zkWxVw÷ zuçxMk «kuurð. 1,17,80,500-003h,8Ãk,000-00 çkuzyuLz zkWLkVw÷ zuçxMk «kuðe.8.Ãk xfk 56,18,500-00 7,93,000-00 MÃku. heÍðo «kuðe.(÷ktçkkøkk¤k rÄhký LkVkLkk h0%) 18,46,000-001h,39,4Ãk0-00 MxkLzzo yuMkuxMk (yuz) «kuðeÍLk 15,14,000-00

1,hh,41,Ãk00-00 [wfðu÷ ELf{xuûk 1,66,20,810-00h,0Ãk,00,000-00 LkVku MkhðiÞk{kt ÷E økÞk 2,91,51,000-00

íkk. 31-3-h019 Lkk hkus Ãkwhk Úkíkk ð»koLkk LkVk-LkwfþkLkLkku rnMkkçk

31-03-2018 ¾[o 31-03-2019

y{khk yks íkkhe¾Lkk ykuzex {u{ku íkÚkk ykuzex LkkutÄLku ykÄeLk hneLkuMÚk¤ : Ãkk÷LkÃkwh

Mkne, LkeíkeLk Ãke. {nuíkk yuLz fkwt.

26,94,08,032-04 30,87,86,281-30fw÷ Mkhðk¤ku

[kxozo yufkWLxLxMk, ÃkuLk÷ Lkt. 640, y{ËkðkË.íkkhe¾ : 23-0Ãk-2019



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26,66,68,164-20 1.ÔÞks (hkufkýku yLku ÷kuLMk yuzðkLMkeMk) 30,52,64,562-854,91,796-03 h. f{eþLk nwtzeÞk{ý, Ë÷k÷e MkçkMkeze 7,63,447-36

yLku zkuLkuþLk- 3. LkkuLk çkuLfªøk r{ÕfíkkuLkk ÷uðz-Ëuðz ðu[ký - -

Úke ÚkÞu÷ LkVku10,300-00 4. økkuzkWLk [kSoMk 25,950-00

…. yLÞ ykðf 27,32,321-0914,93,800-41 (1) Eíkh ykðf 11,49,968-99

1,793-00 (h) þuh xÙkLMkVh Ve 22,775-0030,750-00 (3) zeðeztzLke ykðf 15,750-0029,425-00 (4) PMSBY/PMJJBY fr{þLk 24,690-0039,276-81 (…) ze{ux [kso 44,810-9699,302-00 (6) LkkuxeMk [kso (ykuðhzÞw. yufk.) 97,950-00

2,23,947-00 (7) çkuLf økuhtxe f{eþLk 2,020-00- (8) ELMkezuLx÷ [kso 14,079-00

1,44,943-83 (9) ATM [kso 5,13,241-141,05,600-00 (10) r«{eÞ{ ELf{ (økðo. MkefÞkuhexe) -

8,933-76 (11) ¢uzex ELVh{uþLk Ve -60,000-00 (1h) P2F nkuLkuheÞ{ Ve 8,20,000-00

- (13) r{Õfík ðu[kýÚke LkVku 27,036-0022,37,771-81 27,32,321-09

íkk. 31-03-h019 Lkk hkus Ãkwhk Úkíkk ð»koLkk LkVk - LkwfþkLkLkku rnMkkçk

31-03-2018 ykðf 31-03-2019

26,94,08,032-04 30,87,86,281-30

fhþLk¼kE yu÷. Ãkxu÷{uLkuStøk zehufxh


Eïh¼kE yu. Ãkxu÷[uh{u™

hsLkefkLík fu. Ãkxu÷ðkEMk [uh{uLk

{nuþ¼kE Ãke. Ãkxu÷òu. {uLkuStøk zehufxh çkkuzo ykuV zehufxMko

(1) Ãkw»fh¼kE yuLk.Ãkxu÷(h) rËLkuþ[tÿ çke. Ãkxu÷(3) rðLkkuË[tÿ çke. Ãkxu÷(4) fkLíke÷k÷ ykh. {kuËe(Ãk) fkLk{÷¼kE ykh. yøkúðk÷(6) rð¢{¼kE yu. Ãkxu÷(7) Ëuð[tË¼kE çke. Ãkxu÷

(8) çku[hËkMk ze. Ãkxu÷(9) nehk¼kE çke. Ãkxu÷(10) MkrðíkkçkuLk yu. Ãkxu÷(11) {eLkkçkuLk ykh. Mkku{kýe(12) Lkxw¼kE ykE. Ãkxu÷ (fku-ykuÃx Mke.yu.)(13) {kðk¼kE yu{. {kuøkk (fku-ykuÃx.çkuLfªøk)



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Independent Auditor’s ReportTo,The Members,The Banaskantha Mercantile Cooperative Bank Limited,Palanpur, Banaskantha.

REPORT ON FINANCIAL STATEMENTSWe have audited the accompanied financial statements of The Banaskantha Mercantile Cooperative Bank Limited which comprise of the balance-sheet as at 31st

March 2019,profit and loss account and Cash flow Statement for the year ended and other explanatory information.The financial statements audited by us incorporate the branch return of 5 branches and head office. The returns received from the respective branches have been

verified from the records, ledgers maintained thereat. These returns have been given effect in consolidation; while finalizing the accounts of the bank at the year end.MANAGEMENT RESPONSIBILTY FOR THE FINANCIAL STATEMENTS

Management is responsible for the preparation of these financial statements that give true and fair view of the financial position and financial performance of thebank in accordance with the requirements of the provision of the Banking Regulation Act,1949 and Gujarat Co-operative Societies Act 1961, and as per guidelinesissued by Reserve Bank of India and Registrar of Co-operative societies from time to time along with accounting principlesgenerally accepted in India, including theaccounting standards issued by The Institute of Chartered Accountants of India (ICAI). The responsibility also includes maintenance of adequate accounting recordsin accordance with the provisions of the Act for safeguarding the assets of the Bank and for preventing and detecting frauds and other irregularities; selection andapplication of appropriate accounting policies; making judgments and estimates that are reasonable and prudent; and design, implementation and maintenance ofadequate internal financial controls, that were operating effectively for ensuring the accuracy and completeness of the accounting records, relevant to the preparationand presentation of the financial statements that give a true and fair view and are free from material misstatements, whether due to fraud or error.AUDITOR’S RESPONSIBILTY

Our responsibility is to express an opinion on these standalone financial statements based on our audit. We conducted our audit in accordance with the Standardson auditing issued by the institute of chartered accountants of India. Those standards require that we comply with ethical requirement and plan and perform the auditto obtain reasonable assurances 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 thefinancial statements. The procedures selected dependon the auditors judgment including theassessment of the risk of material misstatements of the financial statements, whether due to fraud or error, in making those riskassessments the auditor considers internal control relevant to the Bank’s preparation accounting policies used and the reasonableness of the accounting estimatesmade by management, as well as evaluating the overall presentation of the financial statements.

We believe that audit evidence we have obtained is sufficient and appropriate to provide a basis for audit operation.MATTER OF EMPHASIS

Without qualifying the report we hereby report the following issues which are matter of emphasis and which may be noted by the users of the same report:1. The bank has not complied to the policy as issued by the RBI NO UBD BPD PCB no 5 /13.05.000/2011-12 in case of certain loans where in the bank has failed

to ensure the compliance of MPBF method and Working capital Gap in case of certain funding done by the bank.2. The Bank has paid gratuity policy for defined employee benefit plan however proper accounting treatment as stipulated by AS-15 as issued by ICAI has not been

made, treating the payment of gratuity as a liability and defined plan of LIC as an asset. The same has no material financial impact on the balance sheet of bank.3. The bank has deferred tax assets as stated by the management an there for no provision of DTA/ DTL has been made we give disclaimer of opinion in the same

matter.OPINIONIn our opinion and to the best of our information and according to the explanation given to us, except for the effects of the matter described in the Basis for QualifiedOpinion and matter of emphasis paragraph, the said financial statements read together with significant accounting policies and notes on accounts, give the informationrequired by the Banking Regulation Act, 1949, audit memo part I & II & Annexure A to D under GSC Act, 1961 in the manner so required, In conformity with theaccounting principles generally accepted in India and give a true and fair view(i) In case of the Balance Sheet, of the state of affairs of the Bank as at March 31, 2019.(ii) In case of Statement of Profit and Loss, of the profit for the year ended on that date, and(iii) In case of Cash Flow Statement, of the cash flows for the year ended on that date.REPORT ON OTHER LEGAL AND REGULATORTY REQUIREMENTSANNEXURE – E (As required under Co-operative Societies Act, 1961)We have been appointed as statutory auditor of your bank for the year 2018-19 by your letter dated 18-06-2018 and in term of that letter, we have completed thestatutory audit on the basis of books, records, and verified financial statements annexure, list etc. maintained manually as well in the computer system and verifiedby us accordingly. The written and oral information given by the management of the Bank at the time of audit is relied by us while completing the statutory audit. Afterauditing the banks balance sheet, profit and loss account, and other accounts and subject to notes to the accounts our remarks mentioned in audit memo Part-I andII annexure A to D and other general remarks we submit our report as under:1) The Board of Directors has conducted the working of the Bank as per Bye-laws and provisions of Co-operative laws/rules. The Board of directors have followed

the rules and regulation.2) The Board of directors has carried out the instruction of RBI given from time to time.3) The books of accounts and accounting system are maintained as required under provisions of Co-operative law and also the instructions of RBI (except mentioned

in the matter of emphasis).4) Banks balance sheet reflects the true and fair view of the financial position. The figures of capital, borrowings, assets, investments and profit-loss show true

position.5) Bank has properly maintained SLR and CRR standards.



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6) Bank has made proper classification of NPA as per RBI guidelines and sufficient provisions are made for the same.7) As per the declaration submitted by the directors none of the directors have been disqualified from acting as the director of the bank, we have relied on the

statement of CEO in the same matter.8) There is no case of one-time settlement of advances and set-off of deposits against advances.9) There is no case of compromise of dues through Courts during the yearREPORT ON MATTERS SPECIFIED UNDER BANKING REGULATION ACT, 19491) We have obtained all the information except stated in Qualified Opinion paragraph and explanation which to the best of our knowledge and belief were necessary

for the purpose of audit and we have found them to be satisfactory.2) The transactions of the bank which have come to our notice have been within the powers of the Bank.3) The returns received from the branch of the bank have been found adequate for the purpose of our audit.4) The profit and loss account shows true balance of profit covered under audit.We report that for the year under audit the bank has been awarded “A” Classification.

Place: PALANPURDate: 23/05/2019

NOTES FORMING PART OF THE ACCOUNTS FOR THE YEAR ENDED 31ST MARCH -2019.

1. Basis of Preparation:

The financial statements have been prepared and presented under the historical cost convention, ongoing concern and accrual basis of accounting, unless otherwise

stated in notes on accounts on a going concern basis, and are in accordance with Generally Accepted Accounting Principles in India(“GAAP”) and conform to

the statutory requirements prescribed under the Banking Regulation Act,1949, circulars and guidelines issued by the Reserve Bank of India (‘RBI’) from time to time,

the Accounting Standards (‘AS’) issued and the guidelines issued by the Institute of Chartered Accountants of India (‘ICAI’) and current practices prevailing in co-

operative banks within the banking industry in India.

2. Use of Estimates:

The preparation of the financial statements, in conformity with generally accepted accounting principles (‘GAAP’), requires management to make estimates and

assumptions considered in the reported amount of assets and liabilities (including contingent liabilities) as of the date of the financial statements and the reported

income and expenses for the reporting period. Management believes that the estimates used in the preparation of the financial statements are prudent and reasonable.

Actual results could differ from those estimates. Any revision in the accounting estimates is recognized prospectively in the current and future periods.

(A) SIGNIFICANT ACCOUNTING POLICIES:

(i) Accounting Convention:

The financial statements are drawn up in accordance with the historical cost convention, going concern concept and accrual basis of accounting unless otherwise

stated and are in accordance with generally accepted accounting principles and practices prevailing in the Co-operative Banks in India, Statutory provisions and

guidelines issued by RBI except otherwise stated.

(ii) Advances:

(a) The classification of advances into Standard, Sub-standard, Doubtful and Loss assets as well as provision on non-performing advances have 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 as per RBI guidelines

from time to time.

(b) The overdue interest in respect of non-performing advances is provided separately under ‘Overdue Interest Reserve’ as per the directives issued by RBI.

(c) NPA Provision

Provisions for losses made on non-performing advances are on the basis of assets classification and provisioning requirements as per the prudential norms

prescribed by the Reserve Bank of India and revised from time to time after considering events occurring after the balance sheet date as under:-

1 Standard Assets 0.40%

2 Sub-Standard Assets 10%

3 Doubtful Assets

Unsecured 100%

Secured

Upto 1 Year 20%

Above 1 year & upto 3 years 30%

Above 3 years 100%

4 Loss Assets 100%

For, M/s. Nitin P. Mehta & Co. Chartered Accountants

Parth Nitin Mehta (Partner)Membership No.129932

FRN No.107150W, Panel No. A-640



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(d)Provision carried in accounts as required under the prudential norms prescribed by the Reserve Bank of India, which are considered as rmarked reserves are as follows :-• Special Bad Debt Reserve• Bad Debts Reserve.• Provision against Standard Reserve• Overdue Interest Reserve(e)Advances are stated at gross value and the provisions of NPA and provision for Standard Assets are shown under the head “Reserve Fund”.(f) Overdue Interest on NPA is credited to “Overdue Interest Reserve” account as per Directives of RBI.(g)Amounts realized/recovered in case of NPA are first adjusted against outstanding Interest amount.(h)Provision for Standard Assets is made as per RBI guidelines.(i) No Account has been restructured during the year.(iii)Fixed Assets And Depreciation :

(a) Fixed Assets, other than those that have been revalued, are carried at historical cost less depreciation accumulated thereon. Cost includes the incidental stampduty, registration charges and civil work in case of ownership premises, and in case of other fixed assets, amounts incurred to put the asset in a workingcondition.

(b) Depreciation is charged over the estimated useful life of the fixed asset on written down value (WDV) except on Computer & Peripherals including software onwhich depreciation is charged according to straight line method (WDV) @ 40 % .

(c) The Depreciation on Fixed assets is calculated on the basis of methods and rates as mentioned below:-

1 Premises WDV 10 %

2 Dead Stock 10 %

3 Furniture & Fixtures 10 %

4 Vehicles 15 %

5 Safe Deposit Vault 10 %

(d) 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 athalf the rates as mentioned in para- (iii) (c).

(e) Depreciation is charged on fixed assets sold during the year till date of sale of said assets.(iv) Investments :(a) Categorization of investment - The entire Investment portfolio of the bank is classified in accordance with the Reserve Bank of India guidelines in to three Categories

• “Held to Maturity”-Comprising of investment acquired with the intention to hold them till maturity.• “Held for Trading”-Comprising of investment acquired with the intention to trade.• “Available for Sale”- Comprising of investment which is not classified in above two categories.

(b) Classification of Investments- For the purpose of disclosure in the Balance Sheet, investments have been classified under following groups as under :-• Government Securities• Other Trustee Securities• Shares in Co-operative Institutions

(c) Investment classified as “Held to Maturity” are carried at face value and the premium paid is amortized over a period remaining to maturity, with a debit to Profit & LossAccount. The book value of security is reduced to the extent of amount amortized during the relevant accounting period.

(d) Investment classified as “Available for Sale” – each security in this category is valued at the market price at the rate declared by Primary Dealers Association of India(PDAI) jointly with Fixed Income Money Market and Derivative Association of India (FIMMDA) at the end of the financial year and the net resultant depreciation in eachclassification is recognized in the profit and loss account. Net Appreciation, if any, is ignored. Surplus/deficit on disposal of investment is taken to profit and loss Account.

(e) Unquoted Equity Shares are valued at cost.(f) Brokerage and commission pertaining to investments, paid at the time of acquisition, are charged to Profit and Loss account.(v) Revenue Recognition : Income – expenditure are accounted on accrual basis except the following which are accounted for on cash basis.(a) Income

• Income from non-performing assets is recognized to the extent realized, as per the directives issued by RBI.• Commission, Brokerage and Exchange• Interest on Non-Performing Assets• Dividend on investments

(b) Expenditure• Municipal Tax Expenses, Insurance Premium Expenses, Annual Maintenance Contract Expenses and Lease Line Rental Expenses.• Legal charges.• DICGC Premium.

(vi) Employee Benefits :The bank has partially complied with the accounting standard 15 in relation to the employee benefit. The bank so as to comply to the accounting standardhas taken a LIC Policy for the gratuity payments for the retirement benefits payable to the employees. The contribution to the same is made on the annualbasis. However the accounting treatment by treating it is a liability and treating the LIC Policy contribution as the asset of the bank is not done by the bank.

Short Term employee benefits• Wages, salaries paid, annual leave and sick leave bonuses and non monetary benefits are occurred in the year in which the services are rendered by the employees and

are accounted on accrual basis.

DepreciationMethod used

Rate ofDepreciationFixed Asset

Sr.No

6 Computers, computer peripherals WDV 40 %

and Computer Software



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Defined Contribution Plans• Contribution to Employees Provident Fund is made as per Provident Fund rules with Employees provident fund Commissioner and is recognized in the Profit & Loss Account

on accrual basis.• Bank has entered into an agreement for payment of Gratuity to its staff with Life Insurance Corporation under which a defined contribution is to be made by the bank based

on Projected Unit Credit Method and Actuarial Assumptions.• Bank has entered into an agreement for payment of Leave encashment to its staff with Life Insurance Corporation under which a defined contribution is to be made by the

bank based on Projected Unit Credit Method and Actuarial Assumptions.(vii) Intangible Assets : Intangible Assets consist of Computer Software Expenses which are amortized equally over a period of 3 financial years.(viii) 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 financialstatements.Non adjusting events (that are indicative of conditions that arose subsequent to the balance sheet date) occurring after the balance sheet date that represents materialchange and commitment affecting the financial position are disclosed in the reports of the Board of Directors.

(ix) Accounting for taxes on incomea. Income Tax expense comprises of Current Tax, and Deferred Tax. Current Tax is provided for and Deferred Tax is accounted for in accordance with the applicable

provisions of the Income Tax Act, 1961 and Rules framed there under.b. Provision for Current Tax is made on the basis of estimated taxable income for the year.c. Deferred Tax is recognized, subject to consideration of prudence, on account of timing differences between the book profits and the taxable profits. The tax effect of timing

differences between the book profits and taxable profits measured using the tax rates and tax laws that have been enacted or substantially enacted at the Balance Sheetdate are reflected through Deferred Tax Asset (DTA)/Deferred Tax Liability (DTL). DTA is recognized only to the extent that there is reasonable certainty that the assetwould be realized in near future. As per the management guidance has no substantial DTL and therefore there is no liability of the same which has been created in thebooks by the bank

(x) Impairment of Assets : At each balance sheet date the bank assesses whether there is any indication that an asset may be impaired. If any indication exists, therecoverable amount of the assets is estimated. An impairment loss is recognized immediately, whenever the carrying amount of an asset exceeds its recoverable amount.The recoverable amount is the greater of net selling price and value in use. In assessing value in use estimated future cash flows are discounted to their present value basedon appropriate discount factor.

(xi) Provisions, Contingent Liabilities and Contingent Asset : Provisions involving substantial degree of estimation in measurement and are recognized when there is apresent 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 andrepresents only a best estimate in the light of available information. Contingent liabilities are not recognized but are disclosed in the notes. Contingent assets are neitherrecognized nor disclosed in the financial statements.

(B) NOTES ON ACCOUNTS: -(a) The Bank is registered under The Gujarat State Co-operative Societies Act, 1961.(b) Since the bank has ascertained that there is no material impairment of any of its assets, no provision on account of impairment of assets is required to be made.(c) Balance of Deposits & Advances are subject to confirmation by the parties.(d) The Bank does not pay any remuneration to its Chairman or Managing Director and therefore no details thereof are given in terms of Reserve Bank of India’s circular dated

29.03.2003.(e) Bank has deposited premium of Rs. 27, 42,236/- for the year 2018-2019 with DICGC. (previous Year Rs.24,70,500/-)(f) No penalty is imposed by RBI during the year for violation of any law.(g) Contingent Liabilities

(i) Capital contracts remains to be executed : Rs. Nil(ii) Depositor Education And Awareness Fund (DEAF) Scheme-2014

(h) The Bank has not made disclosure of As 18 relating to Related Party Disclosures in the financial statements prescribed by the Institute of Chartered Accountantsof India as applicable to it. The effect of non-compliance of the above mentioned Accounting Standard on Assets, Liabilities and Profit of the Bank could not beascertained.

(i) AS – 20 on Earning per Share- as issued by Institute of Chartered Accountants of India. (Rs. In lacs)

Particulars

DEAF Fund

Year Ended 31st March, 2018

122.27

Year Ended 31st March, 2019

129.24

(j) AS – 22 on Accounting for Taxes on IncomeIn accordance with the Accounting Standard 22, “Accounting for Taxes on Income” Deferred tax Assets/Liabilities are to be recognized. Deferred Tax Assetshas been recognized to the extent management is reasonable certain of its realization. No effect has been given in the books of accounts due to Deferred TaxAssets.

Current Year 2018-19

291.51

Particulars

Net Profit after Tax

No. of shares issued (Face Value Rs.25/-) 4089514

Current Year 2017-18

205.00

3613670

EPS Basic and Diluted (in Rs.)(Weighted average to value of share)

7.13 6.78



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AmountFY 2018-19

Particulars

Provision for Deferred tax Liability -

AmountFY 2017-18

-

(In Rs.)

(K) Previous Year’s figures have been regrouped / rearranged to the extent necessary to confirm to these Year’s classification and balances of Deposits and

Advances are subject to confirmation.

(L) The Priority Sector advances are 73.36% of total advances as against requirement of 40 % as per RBI guidelines; Advances to weaker section are 15.56% of

Priority Sector Advances as against requirement of 10 %.

(M) Figures are rounded off to the nearest rupee & have been regrouped wherever necessary.

(N) Bank is not authorized to deal in foreign exchange.

(C) DISCLOSURE OF BALANCESHEET INFORMATION IN TERMS OF THE RBI CIRCULAR

31-03-2019Figures in Lacs

31-03-2018Figures in Lacs

i. Capital to Risk Asset Ratio -Required 9.00% 9.00%

Movement of CRAR 13.35% 14.92%

ii. Investment :

(a) Book value of investment 8820.36 7840.40

(b) Face value of investment 8901.98 7887.08

(c) Market value of investment 8884.11 7807.20

(d) Detail of Issuer composition of non-SLR investment

No. Issuer Amount Extent of belowInvestment

geadeSecurities

Extent ofunrated

Securities

Extent ofunlisted

Securites

1 PSU Bonds Nil Nil Nil Nil

2 Nationalized Banks Nil Nil Nil Nil

3 Others 212.55 Nil 52.55 52.55

4 Provision held towards

Depreciation 50.00 Nil Nil 50.00

Non performing non-SLR Investments

Particulars Amount in Lacs

Opening balance 50.00

Addition during the year Nil

Reduction during the above period Nil

Closing Balance 50.00

Total Provision held 50.00



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iii Advances against Real Estate, Construction Business, Housing 1,262.61 740.34

iv Advances against shares & debentures Nil Nil

V Advances to Directors, their relatives, Companies/firms in which Nil Nil

they are interested : (Against, FDR, LIC Policies) Nil Nil

(a) Fund based Nil Nil

(b) Non Fund based (Guarantees, LIC, etc.) Nil Nil

Interest paid to Directors 0.71 0.66

vi Cost of Deposits : Average cost of deposits 5.49% 5.81%

vii NPAs: (a) Gross NPAs 25.05 21.26

Percentage to Gross Advance : 0.16% 0.17%

(b) Net NPAs 0.00% 0.00%

viii Movement in NPAs : Opening Balance 21.26 32.81

Addition During the year 4.74 0.90

Deduction during The year 0.95 12.45

Closing Balance 25.05 21.26

ix Profitability :

(a) Interest income as a percentage of Working funds 9.95% 10.12%

(b) Non interest income as a percentage of Working funds 0.11% 0.10%

(c) Operating profit as a percentage of Working funds 2.16% 1.66%

(d) Return on Assets 2.09% 0.95%

(e) Business (Deposit + Advances) per employee 647.15 567.23

(f) Profit per employee 4.42 3.36

X Provisions made towards NPAs and Depreciation in Investments 563.50 549.30

Movement in provisions (a) Towards NPAs 829.13 605.93

(b) Towards Depreciations 563.50 549.30

(c) Towards Standard Assets 68.47 53.33

xi Payment of DICGC Insurance Premium 04-04-2018 04-04-2017

03-10-2018 04-10-2017

xii Penalty imposed by RBI Nil Nil

xiii Restructured Accounts Nil Nil

xiv Fixed Assets – Valuation / Revaluation N.A N.A

xv DEAF A/c Amount transfer to DEAF 8118 7165

129.24 122.26

For, M/s. Nitin P. Mehta & Co. Chartered Accountants

Parth Nitin Mehta (Partner)Membership No.129932FRN No.107150W RBI :120713Panel No. A-640, Ahmedabad

Place: PalanpurDate: 23-05-2019



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fu fkuE Ãký «fkhLke fkLkwLke fkÞoðkne fhe nþu íkku [qtxýe{kt íkuyku {íkËkLkÚke ðtr[ík hnu Au. yux÷u ík{khe «rík»Xk Mkk[ððk çkuLf{ktÚke ÷eÄu÷fhs Mk{ÞMkh ¼hÃkkE fhku yLku fhkðku suÚke ykÃkLke íkÚkk ykÃkLkk ò{eLkkuLke þk¾ s¤ðkE hnu.

Ãk. rÄhký çkkçkík{kt ò{eLkkuyu Mk{S rð[kheLku ò{eLk Úkðwt òuEyu. çkuLf{ktÚke rÄhký ÷uLkkh yLku çku ò{eLkku Ãkife ºký ÔÞrfík{ktÚke MkæÄhðk¤eÔÞrfík WÃkh çkuLf fkÞËuMkhLkk Ãkøk÷kt ÷E rÄhký ðMkw÷ fhu Au. yk{kt sðkçkËkhe ðnU[kíke LkÚke íku {kxu Mk¼kMkËLke ÞkuøÞíkkLku ÷ûk{kt ÷Eò{eLk Úkkyku. fhs ðMkw÷kík {kxu fhs ÷uLkkh yLku ò{eLk ÚkLkkh MktÞwfík íku{s ÔÞrfíkøkík heíku sðkçkËkh Au.

6. ÷kuLk ÷uLkkh ¾kíkuËkhLkk ¾kíkkLkk [uf rhxLko (yMkk{kLÞ Mktòuøkku rMkðkÞ) Úkíkkt nkuÞ íkuðk ¾kíkuËkhLke ÷kuLkLke Mkøkðz çkuLf çktÄ fhe þfu Au.7. þuh rzðeztzLke hf{ ºký ð»ko ÚkÞk çkkË fkÞËk yLkwMkkh çkuLf heÍðo Vtz ¾kíku ÷E òÞ Au. {kxu rzðeztzLke hf{ çkuLf{kt ¾kíkwt ¾ku÷kðe s{k

fhkððe sYhe Au. MkhLkk{k{kt VuhVkh Úkíkkt çkuLf{kt íkwhtík òý fhðk rðLktíke Au.

G rÄhký ÷uíkk Mk¼kMkËkuLku ¾kMk Mkw[Lkk G

çkuLfLkk ¾kíkuËkhku / Mk¼kMkËku òuøk ‘‘ KYC LkkuBMko ytøku ’’1. rhÍðo çkUf ykuV ELzeÞkLkk ykËuþ {wsçk fkuEÃký «fkhLkk ÚkkÃký ¾kíkk{kt AuÕ÷k ËMk ð»koÚke ÔÞðnkh Lk ÚkÞu÷ nkuÞ íkuðk ík{k{ «fkhLkk

¾kíkkykuLke hf{ ‘‘zeÃkkuÍexh yusÞwfuþLk yuLz yðuhLkuMk Vtz Mfe{-h014’’ (zuVx) ¾kíku Ëh {kMku rhÍðo çkUf{kt xÙkLMkVh Úkíkwt nkuE ykÃkLkk¾kíkk{kt KYC Lke Ãkqíkoíkk fhe ¾kíkwt rLkÞ{eík fhðk rðLktíke Au.

h. rhÍðo çkUf ykuV ELzeÞkLkk ykËuþ {wsçk r«ðuLMkLk ykuV yuLxe{Lke ÷kuLzÙetøk yufx (PMLA) h00h yLðÞu MktÃkqýo Ãkk÷Lk fhðwt VhSÞkík Au.su fkuEÃký ¾kíkuËkhkuyu / Mk¼kMkËkuyu KYC LkkuBMko {wsçk sYhe ËMíkkðuS Ãkwhkðk çkUf{kt hsw Lk fÞko nkuÞ íkuykuyu sYhe ËMíkkðuS Ãkwhkðkíkkífk÷ef çkUf{kt hsw fhðk rðLktíke Au.1. íkksuíkhLkk ÃkkMkÃkkuxo MkkEÍLkku htøkeLk 1 Vkuxku.h. ÃkkLkfkzo, {íkËkLk fkzo, ÃkkMkÃkkuxo, ykÄkh fkzo, zÙkÞðªøk ÷kÞMkLMk, Mkhfkh {kLÞ yku¤¾ fkzo Ãkife fkuEÃký yufLke Íuhkuûk.3. íkksuíkhLkk xu÷eVkuLkçke÷, ÷kExçke÷ nkWMkxuûk Ãkife fkuEÃký yufLke Íuhkuûk

[k÷w ¾kíkk {kxu ðÄkhk{kt BÞwrLkþeÃk÷ LkkutÄýe «{kýÃkºk, MkuÕMkxuûk / ELf{xuûk, Mke.yu. Mkxeo, ÄtÄkLku ÷økíkwt yLÞ LkkutÄýe ÷kÞMkLMk ÃkifeçkuLke Íuhkuûk, íkÚkk ¼køkeËkhe ÃkuZe {kxu ðÄkhk{kt ¼køkeËkhe ÃkuZeLkk ËMíkkðusLke Íuhkuûk. su Ãký ËMíkkðusLke Íuhkuûk hsw fhðkLke nkuÞ íkuËMíkkðusLke yMk÷ fkuÃke çkUf{kt MkkÚk u ÷kððe VhSÞkík Au.KYC Lkk uBMk oLke Ãk wík oíkk Lk fhu÷ ík{k{ ¾kíkkykuLkk u ÔÞðnkhíkk.01-04-h011 Úke økúknfLkk Mð¾[uo, òu¾{u MktÃkwýo sðkçkËkheyu MÚkrøkík Au. suLke LkkutÄ ÷uðk rðLktíke Au.

3. Mk{ksLkku LkkLkk{kt LkkLkku {kýMk Ãký çkUfªøk MkuðkLkku ÷k¼ {u¤ðe þfu íku nuíkwMkn ykÃkýe çkUf{kt ‘0’ Íehku çku÷uLMkÚke “No Frill” çk[ík ¾kíkk¾ku÷ðk{kt ykðu Au. suLkku ÷k¼ ÷uðk rðLktíke Au.

4. su fkuE Ãký ÃkuZe / ÔÞrfík Mk¼kMkËLkk ¾kíkk çkUf{kt Lk ¾ku÷kðu÷ nkuÞ íku{ýu ÃkkuíkkLkk ¾kíkk Mkíðhu LkSfLke þk¾k{kt ¾ku÷kððk rðLktíke Au. suÚkerzrðzLz íku ¾kíkk{kt s{k ykÃke þfkÞ. íkÚkk çkUf îkhk yÃkkíke Mk¼kMkË ¼ux ¾kíkw Ähkðíkk Mk¼kMkËLku s ykÃkðk{kt ykðu Au. suLke LkkutÄ ÷uðkrðLktíke Au.

Ãk. çkUfLkk ík{k{ Mk¼kMkËkuLku sýkððkLkwt KYC LkkuBMkoLke Ãkwíkoíkk VhSÞkík nkuE sYhe ËMíkkðus çkUf{kt hsw fhðk rðLktíke Au.6. su ¾kíkuËkhku / Mk¼kMkËkuyu nS MkwÄe ‘‘Lkku{eLkuþLk’’Lke MkwrðÄk ÷eÄe LkÚke íku{ýu yk ytøkuLkwt rLkÄkoheík Vku{o ¼he ‘‘Lkku{eLke’’ Lke rLk{ýwtf

fhkðe ÷uðk rðLktíke Au.7. x{o zeÃkkuÍex fu hefhªøk zeÃkkuÍex ¾kíkuËkhLkk çkuLfLkk ík{k{ ¾kíkkLkwt MktÞwfík ÔÞks ðkr»kof Yk. 40,000/- fu íkuÚke ðÄw Úkíkwt nkuÞ MkeLkeÞh

MkexesLk {kxu Ãk0,000 yLku íku{Lke ÔÞks MkkÚkuLke ykðf ELf{xuûkLkk rLkÞ{ {wsçk xuûkuçk÷ Úkíke Lkk nkuÞ íkuðk ¾kíkuËkhkuyu Mk{Þ {ÞkoËk{ktForm, No. 15G/15H çkUf{kt s{k fhkðe ÔÞksLke ykðf{ktÚke TDS Lke fÃkkík{ktÚke {wrfík {u¤ðe þfkþu. ¼kðuþ fu. Ãkxu÷

Mke.E.yku



(24)

þuh ¼tzku¤ C 10,hh,37,8Ãk0

heÍðo íkÚkk yLÞ Vtzku C h4,44,79,hhÃk

ÚkkÃkýku C h,66,9Ãk,h4,Ãk73

rÄhkýku C 1,60,16,63,768

[kuÏ¾ku LkVku C h,91,Ãk1,000

ðnU[ðkÃkkºk zeðeztz C 1h%

fkÞo¼tzku¤ C 3,06,70,13,036

økúkuMk yuLk.Ãke.yu.(0.16%) C hÃk,04,90Ãk

Lkux yuLk.Ãke.yu.(0%) C þqLÞ

G çkuLfLke «økrík (31-03-2019) G

Mkk[k yÚko{kt‘‘ykÃkýe, ykÃkýk {kxuLke, ykÃkýk ðzu [k÷íke çkuLf’’

G çkuLfLke «økríkLkku ynuðk÷ G

ð»ko

31-3-14

31-3-15

31-3-16

31-3-17

31-3-18

31-3-19

ðMkw÷ ykðu÷þuh ¼tzku¤

39287900

46735975

54026825

60870975

90341750

102237850

Mk¼kMkËMktÏÞk

7001

7191

7347

7487

7877

7991

heÍðoíkÚkk yLÞ Vtzku

152715562

164631987

177890791

193944559

212972673

244479225

ÚkkÃkýku

1297116473

1404461093

1520067173

1954509743

2230237749

2669524573

rÄhkýku

659338933

770913071

911358433

1023926851

1229869892

1601663768

LkVku

11788000

11845675

12865000

14200000

20500000

29151000

ðnU[u÷zeðeztz

14%

14%

14%

12%

12%

12%

ykuzexðøko

y

y

y

y

y

-

fkÞo ¼tzku¤

1587759563

1737740534

1908021472

2353513229

2633783118

3067013036

* MkkÄkhý Mk¼kLke {tsqheLke yÃkuûkkyu.

*

*



47 {ku ðkr»kof ynuðk÷ 2018-2019 - bmcb bank report 2018-19... · 2019-06-10 · (3) mkw¿k...

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