SCHEDULES FORMING PART OF BALANCE SHEET AS ON MARCH 31, 2025

 Amount in Rs.

As at 31-03-2025

 As at 31-03-2024

SCHEDULE - 1

CAPITAL

(i) Authorised Capital

2,00,00,000 'A' class shares of Rs.25/- each

50,00,00,000

50,00,00,000

50,00,00,000

50,00,00,000

(ii) Issued and Subscribed Capital

(Held by Individuals and Others)

98,37,735 (previous year's 98,11,328) Equity shares of Rs.25/- each

24,71,96,275

24,52,83,200

Add: Acceptance of share capital during the year 72,068 (Pr Yr 2,05,071)

18,01,700

51,26,775

Less: Refund of share capital during the year 1,22,184 (Pr. Yr 1,28,548)

(30,54,600)

(32,13,700)

Total

24,59,43,375

24,71,96,275

SCHEDULE - 2

RESERVES AND SURPLUS

(i) Statutory Reserve

Opening Balance:

16,83,42,376

14,78,01,688

Additions : Appropriation

2,14,31,960

2,05,40,688

Deductions: Transfer from Unclaimed Dividend

-

-

Total

19,19,05,263

16,83,42,376

(ii) General Reserve

Opening Balance:

1,07,68,007

8,07,61,927

Additions : Appropriation

50,15,120

50,06,080

Deductions - Transfer to Building Fund

(7,50,00,000)

Total

1,57,83,127

1,07,68,007

(iii) Investment Fluctuation Reserve

Opening Balance:

3,22,38,164

3,13,33,164

Additions : Appropriation

-

9,05,000

Deductions:

-

Total

3,22,38,164

3,22,38,164

(iv) Depreciation Reserve for Investments

Opening Balance:

3,95,84,250

4,28,37,500

Additions : Appropriation

88,82,050

41,61,750

Deductions: Net of taxes

(1,58,25,750)

(74,15,000)

Total

3,26,40,550

3,95,84,250

(v) Common Good Fund

Opening Balance:

7,01,038

5,54,900

Additions : Appropriation

7,38,850

7,66,138

Deductions:

(6,76,000)

(6,00,000)

Total

7,63,888

7,01,038

(vi) Education Fund

Opening Balance:

17,29,113

17,07,881

Additions : Appropriation

1,50,000

1,50,000

Deductions:

(2,01,163)

(1,28,768)

Total

16,77,950

17,29,113

(vii) Building Fund

Opening Balance:

7,50,00,000

-

Additions : Transfer from General Reserve Fund

-

7,50,00,000

Deductions:

-

-

Total

7,50,00,000

7,50,00,000

(viii) Special Reserve U/s 36 (i) (viii) of I.T ACT

Opening Balance:

84,55,509

71,99,856

Additions

17,66,731

12,55,653

Total

1,02,22,240

84,55,509

(ix) BALANCE IN PROFIT AND LOSS

Profit brought forward of previous year

14,17,82,728

14,05,72,265

Less: (i) Appropriations for reserves and dividend

(6,13,60,110)

(6,21,69,576)

(ii) Transfer to Investment Fluctuation Reserve

-

(9,05,000)

Balance profit of previous year

8,04,22,618

7,74,97,689

(ii) Transfer from General Reserve

-

7,50,00,000

Less : (i) Transfer to Building Fund

-

(7,50,00,000)

(iii) Provision for gratuity of Earlier Years

-

(96,00,000)

Profit for the year

6,56,28,548

7,38,85,039

Total

14,60,51,166

14,17,82,728

Total

50,62,82,348

47,86,01,185

SCHEDULE : 3

DEPOSITS:

(i) Demand Deposits

a) Current Deposits

23,12,56,563

19,99,50,009

b) Savings Bank Deposits

68,89,28,699

61,21,33,159

c) Credit Balances in CC/OD a/cs

3,07,30,668

1,51,67,659

(ii) Term Deposits

(i) Fixed Deposits

5,16,64,99,030

4,40,32,90,512

Total

6,11,74,14,960

5,23,05,41,339

SCHEDLUE : 4

BRROWINGS:

Nil

 Nil

(i) From Reserve Bank of India,State/Central

Co-operative Bank: - State Co-op Bank

(ii) From Other Banks

-

-

(iii) From Other institutions and agencies

-

-

Total

Nil

 Nil

SCHEDULE : 5

OTHER LIABLITIES & PROVISIONS

(a) Inter-office adjustments(net)

-

-

(b) Interest accrued on Deposits

3,44,57,717

3,57,71,485

(c) Unclaimed Dividends

81,83,858

59,10,581

Less Transfer to Statutory Reserve

(21,30,927)

-

Sub total

60,52,931

59,10,581

(d) Others (Details enclosed)

18,73,23,094

17,36,07,157

Total

22,78,33,742

21,52,89,223

Details of "Others' under Other Liabilities & Provisions

i) Overdue interest reserve (contra)

3,09,75,654

3,82,57,191

ii) Bankers cheque/pay order

1,69,52,905

9,48,013

iii) Demand Drafts Payable

83,77,463

73,29,678

iv) Outstanding Liabilities

33,20,834

20,68,959

v) Sundry creditors

3,01,904

2,69,262

vi) Clearing

4,47,365

51,128

vii) Unclaimed Deposits

16,68,009

26,38,669

viii) TDS payable

1,22,27,285

98,11,500

ix) Provision for Gratuity

3,09,43,954

2,65,48,243

x) Provision for Bad & Doubtful debts

5,75,74,236

6,15,02,603

xi) Provision for leave encashment

69,73,521

30,38,188

xii) Provision for other Contingencies

-

30,60,000

xiii) Provision for other Expenses

-

12,28,640

xiv)Provision for Depreciation on Bonds

29,05,475

29,05,475

xv) Provision for Standard Assets

1,41,33,253

1,17,29,750

xvi) Provision for Income Tax (net of tax)

-

18,30,199

xvii) GSTPayable

4,75,993

3,44,416

xviii) Sundry Creditors PO's Refund

26,381

26,381

xix) BBPS Funded

18,862

18,862

Total

18,73,23,094

17,36,07,157

SCHEDULE: 6

CASH AND BALANCES WITH RBI

I) In hand

3,17,17,339

4,14,33,446

ii) Balance with Reserve Bank

a) In Current Account

18,15,09,181

17,25,28,088

b) In Other Accounts

Total

21,32,26,520

21,39,61,534

SCHEDULE: 7

BALANCE WITH OTHER BANKS AND MONEY AT CALL AND SHORT NOTICE:

I Balances with Banks

 (i) In Current Accounts

17,59,78,475

11,50,80,082

 (ii) in Other Deposit Accounts

22,01,00,000

30,93,91,114

II Money at Call & Short Notice

(i) With Banks

-

-

(ii) With Other Institutions

62,00,00,000

33,00,00,000

Total

1,01,60,78,475

75,44,71,196

SCHEDULE: 8

INVESTMENTS

i) Govt. Securities

1,71,84,94,870

1,51,53,27,338

ii) Other Approved Securities

-

-

iii) Shares

-

-

iv) Debentures and Bonds

17,35,80,224

17,35,80,224

iv) Others - Commercial Paper

1,97,50,500

1,97,50,500

Total

1,91,18,25,594

1,70,86,58,062

SCHEDULE : 9

ADVANCES: (Ref: Schedule -19 Note No: B (v)

I

i.Bills purchased and discounted

21,11,754

2,39,80,749

ii. Cash Credits, Overdrafts and Loans payable on demand

1,89,22,41,005

1,83,36,72,893

iii. Term Loans

1,94,10,81,202

1,51,84,04,614

Total

3,83,54,33,961

3,37,60,58,256

II

i. Secured by tangible assets

3,75,35,30,254

3,34,36,60,368

ii. Covered by Bank / Government Guarantee

-

-

iii. Unsecured

8,19,03,707

3,23,97,888

Total

3,83,54,33,961

3,37,60,58,256

III

i. Priority sector

2,51,05,66,412

2,27,54,02,499

ii. Public sector

iii. Banks

iv. Others

1,32,48,67,549

1,10,06,55,757

Total

3,83,54,33,961

3,37,60,58,256

IV

Sub-Classification

Short Terms Loans- Cash Credit, Overdraft, Bills Discounted & other ST Loans

1,89,43,52,759

1,85,76,53,642

Medium Term Loans

18,78,74,958

31,36,33,250

Long Term Loans

1,20,47,71,364

1,20,47,71,364

Total

3,83,54,33,961

3,37,60,58,256

SCHEDULE: 10

OTHER FIXED ASSETS (INCLUDING FURNITURE & FIXTURES)

At Cost on 31st March of the preceeding year

4,72,11,243

4,04,60,441

Additions during the year

1,11,21,540

78,81,987

5,83,32,783

4,83,42,428

Deduction during the year

(51,55,869)

(11,31,185)

5,31,76,914

4,72,11,243

Depreciation to date

(2,48,51,852)

(2,52,66,386)

Total

2,83,25,062

2,19,44,857

SCHEDULE: 11

OTHER ASSETS:

(i) Interest receivable

On Investments

3,92,68,384

3,71,97,743

On Non Performing advances (contra)

3,09,75,654

3,82,57,191

ii) Stationary and Stamps

5,45,457

5,71,753

iii) Income Tax refund receivable

-

22,57,817

iv) Income Tax Refund Receivable from Income Tax Department

18,70,664

-

iv) Deferred Tax Asset

1,17,47,728

1,08,26,400

v) Others (Details enclosed)

81,76,926

74,23,213

Total

9,25,84,813

9,65,34,117

Details of "Others" under Other Assets:

i) Staff advances

2,25,950

8,64,000

ii) Prepaid expenses

7,65,815

4,77,745

iii) Telephone Deposit

1,55,995

1,55,995

iv) Rental Deposit

69,77,292

57,44,091

v) Electricity Deposit

46,122

36,000

vii) Sundry Debtors

5,752

1,45,382

Total

81,76,926

74,23,213

SCHEDULE: 12

Cotingent Liability

i) Claims against the Bank not acknowledged as Debts

ii) Guarantees given on behalf of Constituents

53,50,000

44,80,000

iii) Acceptances, Endorsements and Other Obligations

-

-

iv) Income Tax Demands

-

-

v) Amount Transferred to DEAF

1,78,18,013

1,62,52,998

vi)Other items for which the bank is contingently liable

-

-

Total

2,31,68,013

2,07,32,998

SCHEDULE: 13

INTEREST EARNED

Interest/ Discount on Advances / Bills

42,86,88,435

41,05,35,698

Income on Investments

13,02,63,051

11,91,16,030

Interest on Balances with RBI and Other Inter Bank Funds / Call Money lending

4,81,39,262

4,17,66,297

Total

60,70,90,748

57,14,18,025

SCHEDULE: 14

OTHER INCOME

Commission, Exchange and Brokerage

8,01,448

8,25,793

Interest on Income Tax Refund

-

6,05,664

Incidental Charges

6,79,714

67,351

Income on Lockers

15,36,300

9,67,133

Miscellaneous Income

33,20,315

68,34,173

Excess Provision Written Back on AFS securities

1,58,93,209

93,55,000

Excess Provision Written Back on other contingencies

10,12,957

-

Processing Charges

1,64,90,057

1,40,32,105

Profit on sale of Securities

26,40,000

-

Total

4,23,74,000

3,26,87,219

SCHEDULE: 15

INTEREST EXPENDED

Interest on Deposits

40,95,68,884

35,55,36,715

Interest on RBI / Inter Bank Borrowings

6,626

85

Others

Total

40,95,75,510

35,55,36,800

SCHEDULE: 16

OTHER OPERATING EXPENSES

Rent, Taxes and Lighting etc

1,28,28,343

1,20,32,123

Insurance

67,05,525

65,26,492

Law Charges

8,72,214

9,96,424

Postage, Telegrams & Telephone Charges

3,25,933

3,17,806

Auditors fees and Expenses

2,25,000

1,95,000

Depreciation on Bank's Property

43,98,880

28,22,318

Repairs & Maintenance

16,50,184

13,24,307

Core Banking & Internet Banking Expenses

37,45,164

32,35,251

Interest on Income Tax

1,16,923

2,91,574

Printing, and Stationery

11,48,335

12,82,886

Advertisement and Publicity

13,82,476

9,89,129

Director's Fees, Allowances and Expenses

12,54,300

11,64,400

GST Expenses

39,50,033

30,92,483

Security Charges

22,39,732

19,50,213

Other Expenditure

1,31,06,166

1,00,23,637

Bad Debts Written Off

2,59,28,366

-

Less: Transfer from Provision for Bad & Doubtful Debts

(2,59,28,366)

-

Total

5,39,49,208

4,62,44,043

SCHEDULE: 17

PROVISIONS AND CONTINGENCIES:

Provision for Gratuity

55,11,735

89,25,699

Provision for Leave Encashment

39,35,333

30,38,188

Provision for Bonus / Exgratia

6,74,344

3,17,169

Provision for Standard Assets

24,03,503

4,41,530

Provision for ATM maintenance

-

2,23,900

Provision for Bad & Doubtful Debts

2,20,00,000

3,40,00,000

Total

3,45,24,915

4,69,46,486