SCHEDULES FORMING PART OF BALANCE SHEET AS ON MARCH 31, 2024

 Amount in Rs.

As at 31-03-2024

 As at 31-03-2023

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)

98,87,851 (previous year's 98,11,328) Equity shares of Rs.25/- each

24,52,83,200

25,11,53,625

Add: Acceptance of share capital during the year 2,05,071 (Pr Yr 21,378)

51,26,775

5,34,450

Less: Refund of share capital during the year 1,28,548 (Pr. Yr 2,56,195)

(32,13,700)

(64,04,875)

Total

24,71,96,275

24,52,83,200

SCHEDULE - 2

RESERVES AND SURPLUS

(i) Statutory Reserve

Opening Balance:

14,78,01,688

13,33,82,601

Additions : Appropriation

2,05,40,688

1,32,48,047

Deductions: Transfer from Unclaimed Dividend

-

11,71,040

Total

16,83,42,376

14,78,01,688

(ii) General Reserve

Opening Balance:

8,07,61,927

8,07,55,817

Additions : Appropriation

50,06,080

6,110

Deductions - Transfer to Building Fund

(7,50,00,000

-

Total

1,07,68,007

8,07,61,927

(iii) Investment Fluctuation Reserve

Opening Balance:

3,13,33,164

2,09,52,164

Additions : Appropriation

9,05,000

1,03,81,000

Deductions:

-

Total

3,22,38,164

3,13,33,164

(iv) Depreciation Reserve for Investments

Opening Balance:

4,28,37,500

3,10,80,500

Additions : Appropriation

41,61,750

1,17,57,000

Deductions: Net of taxes

(74,15,000)

-

Total

3,95,84,250

4,28,37,500

(v) Common Good Fund

Opening Balance:

5,34,900

5,54,978

Additions : Appropriation

7,66,138

5,29,922

Deductions:

(6,00,000)

(5,50,000)

Total

7,01,038

5,34,900

(vi) Education Fund

Opening Balance:

17,07,881

17,12,090

Additions : Appropriation

1,50,000

1,50,000

Deductions:

(1,28,768)

(1,54,209)

Total

17,29,113

17,07,881

(vii) Building Fund

Opening Balance:

-

-

Additions : Transfer from General Reserve Fund

7,50,00,000

-

Deductions:

-

-

Total

7,50,00,000

-

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

Opening Balance:

71,99,856

63,65,355

Additions

12,55,653

8,34,501

Total

84,55,509

71,99,856

(ix) BALANCE IN PROFIT AND LOSS

Profit brought forward of previous year

14,05,72,265

13,13,37,816

Less: (i) Appropriations for reserves and dividend

(6,21,69,576)

(5,16,27,969)

(ii) Transfer to Investment Fluctuation Reserve

(9,05,000)

(1,03,81,000)

Balance profit of previous year

7,74,97,689

6,93,28,847

(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

7,38,85,039

7,12,43,418

Total

14,17,82,728

14,05,72,265

Total

47,86,01,185

45,27,49,181

SCHEDULE : 3

DEPOSITS:

(i) Demand Deposits

a) Current Deposits

19,99,50,009

26,97,74,019

b) Savings Bank Deposits

61,21,33,159

58,55,31,630

c) Credit Balances in CC/OD a/cs

1,51,67,659

2,11,47,284

(ii) Term Deposits

(i) Fixed Deposits

4,40,32,90,512

4,29,03,31,035

Total

5,23,05,41,339

5,16,67,83,968

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

3,57,71,485

3,99,12,573

(c) Unclaimed Dividends

59,10,581

53,08,087

Less Transfer to Statutory Reserve

-

(11,71,040)

Sub total

59,10,581

41,37,047

(d) Others (Details enclosed)

17,36,07,157

12,07,50,683

Total

21,52,89,223

16,48,00,303

Details of "Others' under Other Liabilities & Provisions

i) Overdue interest reserve (contra)

3,82,57,191

2,66,84,390

ii) Bankers cheque/pay order

9,48,013

73,04,713

iii) Demand Drafts Payable

73,29,678

81,64,103

iv) Outstanding Liabilities

20,68,959

19,42,595

v) Sundry creditors

2,69,262

3,88,721

vi) Clearing

51,128

84,750

vii) Unclaimed Deposits

26,38,669

28,84,856

viii) TDS payable

98,11,500

90,42,299

ix) Provision for Gratuity

2,65,48,243

96,53,673

x) Provision for Bad & Doubtful debts

6,15,02,603

2,75,02,603

xi) Provision for leave encashment

30,38,188

2,57,875

xii) Provision for other Contingencies

30,60,000

50,00,000

xiii) Provision for other Expenses

12,28,640

13,13,240

xiv)Provision for Depreciation on Bonds

29,05,475

29,05,475

xv) Provision for Standard Assets

1,17,29,750

1,12,88,220

xvi) Provision for Income Tax (net of tax)

18,30,199

59,44,195

xvii) GSTPayable

3,44,416

3,43,732

xviii) Sundry Creditors PO's Refund

26,381

26,381

xix) BBPS Funded

18,862

18,862

Total

17,36,07,157

12,07,50,683

SCHEDULE: 6

CASH AND BALANCES WITH RBI

I) In hand

4,14,33,446

6,08,01,799

ii) Balance with Reserve Bank

a) In Current Account

17,25,28,088

19,26,07,620

b) In Other Accounts

Total

21,39,61,534

25,34,09,419

SCHEDULE: 7

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

I Balances with Banks

 (i) In Current Accounts

11,50,80,082

8,57,75,746

 (ii) in Other Deposit Accounts

30,93,91,114

35,15,49,935

II Money at Call & Short Notice

(i) With Banks

-

-

(ii) With Other Institutions

33,00,00,000

29,00,00,000

Total

75,44,71,196

72,73,25,681

SCHEDULE: 8

INVESTMENTS

i) Govt. Securities

1,51,53,27,338

1,51,57,53,713

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

1,70,86,58,062

1,70,90,84,437

SCHEDULE : 9

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

I

i.Bills purchased and discounted

2,39,80,749

76,64,690

ii. Cash Credits, Overdrafts and Loans payable on demand

1,83,36,72,893

2,11,51,61,316

iii. Term Loans

1,51,84,04,614

1,10,35,68,265

Total

3,37,60,58,256

3,22,63,94,271

II

i. Secured by tangible assets

3,34,36,60,368

3,20,27,17,680

ii. Covered by Bank / Government Guarantee

-

-

iii. Unsecured

3,23,97,888

2,36,76,591

Total

3,37,60,58,256

3,22,63,94,271

III

i. Priority sector

2,27,54,02,499

2,15,33,15,000

ii. Public sector

iii. Banks

iv. Others

1,10,06,55,757

1,07,30,79,271

Total

3,37,60,58,256

3,22,63,94,271

IV

Sub-Classification

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

1,85,76,53,642

2,12,28,26,006

Medium Term Loans

31,36,33,250

12,66,41,370

Long Term Loans

1,20,47,71,364

97,69,26,895

Total

3,37,60,58,256

3,22,63,94,271

SCHEDULE: 10

OTHER FIXED ASSETS (INCLUDING FURNITURE & FIXTURES)

At Cost on 31st March of the preceeding year

4,04,60,441

3,81,66,813

Additions during the year

78,81,987

37,83,855

4,83,42,428

4,19,50,668

Deduction during the year

(11,31,185)

(14,90,227)

4,72,11,243

4,04,60,441

Depreciation to date

(2,52,66,386)

(2,35,24,549)

Total

2,19,44,857

1,69,35,892

SCHEDULE: 11

OTHER ASSETS:

(i) Interest receivable

On Investments

3,71,97,743

3,63,18,175

On Non Performing advances (contra)

3,82,57,191

2,66,84,390

ii) Stationary and Stamps

5,71,753

9,72,568

iii) Income Tax refund receivable

22,57,817

7,74,759

iv) Income Tax Refund Receivable from Income Tax Department

-

1,42,92,445

iv) Deferred Tax Asset

1,08,26,400

1,03,10,920

v) Others (Details enclosed)

74,23,213

71,13,695

Total

9,65,34,117

9,64,66,952

Details of "Others" under Other Assets:

i) Staff advances

8,64,000

8,27,400

ii) Prepaid expenses

4,77,745

4,45,686

iii) Telephone Deposit

1,55,995

1,55,995

iv) Rental Deposit

57,44,091

53,34,292

v) Electricity Deposit

36,000

1,41,422

vii) Sundry Debtors

1,45,382

2,08,900

Total

74,23,213

71,13,695

SCHEDULE: 12

Cotingent Liability

i) Claims against the Bank not acknowledged as Debts

ii) Guarantees given on behalf of Constituents

44,80,000

98,50,000

iii) Acceptances, Endorsements and Other Obligations

-

-

iv) Income Tax Demands

-

34,78,050

v) Amount Transferred to DEAF

1,62,52,998

1,52,32,309

vi)Other items for which the bank is contingently liable

-

2,38,742

Total

2,07,32,998

2,53,21,051

SCHEDULE: 13

INTEREST EARNED

Interest/ Discount on Advances / Bills

41,05,35,698

33,40,89,470

Income on Investments

11,91,16,030

12,01,74,995

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

4,17,66,297

5,35,56,639

Total

57,14,18,025

50,78,21,104

SCHEDULE: 14

OTHER INCOME

Commission, Exchange and Brokerage

8,25,793

5,47,740

Interest on Income Tax Refund

6,05,664

51,43,327

Incidental Charges

67,351

27,209

Income on Lockers

9,67,133

10,55,550

Miscellaneous Income

2,08,66,278

2,25,13,241

Excess Provision Written Back

93,55,000

-

Total

3,26,87,219

2,92,87,067

SCHEDULE: 15

INTEREST EXPENDED

Interest on Deposits

35,55,36,715

32,82,01,854

Interest on RBI / Inter Bank Borrowings

85

494

Others

Total

35,55,36,800

332,82,02,348

SCHEDULE: 16

OTHER OPERATING EXPENSES

Rent, Taxes and Lighting etc

1,20,32,123

1,17,87,112

Insurance

65,26,492

59,60,776

Law Charges

9,96,424

8,01,854

Postage, Telegrams & Telephone Charges

3,17,806

4,43,250

Auditors fees and Expenses

1,95,000

1,65,000

Depreciation on Bank's Property

28,22,318

25,60,708

Repairs & Maintenance

13,24,307

11,99,584

Core Banking & Internet Banking Expenses

32,35,251

31,81,076

Interest on Income Tax

2,91,574

14,54,445

Printing, and Stationery

12,82,886

8,97,556

Advertisement and Publicity

9,89,129

10,90,551

Director's Fees, Allowances and Expenses

11,64,400

15,53,700

GST Expenses

30,92,483

20,75,993

Security Charges

19,50,213

16,94,674

Other Expenditure

1,00,23,637

88,24,915

Total

4,62,44,043

4,36,91,194

SCHEDULE: 17

PROVISIONS AND CONTINGENCIES:

Provision for Gratuity

89,25,699

12,86,875

Provision for Leave Encashment

30,38,188

2,57,875

Provision for Bonus / Exgratia

3,17,169

3,40,195

Provision for Standard Assets

4,41,530

14,08,306

Provision for Depreciation on Investments charged during the year

-

1,17,57,000

Provision for Depreciation on Bonds

-

29,05,475

Provision for ATM maintenance

2,23,900

-

Provision for Bad & Doubtful Debts

3,40,00,000

34,03,221

Provision for contested case

-

2,90,002

Total

4,69,46,486

2,16,48,949