dm{f©H$ gd©gmYmaU g^oMr gyMZm...5) To take note of the loans sanctioned in the financial year 2017-18 to Directors of the Bank & their relatives as per the Sec.39(3) of the Multi-state

$Page 1: dm{f©H$ gd©gmYmaU gôMr gyMZm...5) To take note of the loans sanctioned in the financial year 2017-18 to Directors of the Bank & their relatives as per the Sec.39(3) of the Multi-state$
..... 1 .....

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gônwT>rb {df`

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2. g§MmbH$ ‘§S>imZo gmXa Ho$bobm {X. 31-3-2018 AIoaÀ`m dfm©Mm Ahdmb, Vmio~§X d Z’$m-VmoQ>m nÌH$ ‘§Oya H$ê$Z Z’$m dmQ>Ur H$aUo Am{U d¡Ym{ZH$ boImn[ajH$m§À`m AhdmbmMr Zm|X KoUo.

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6. ‘m. g§MmbH$ ‘§S>imZo ~±Ho$À`m Cn{dYr (Bye-Laws) ‘Üò gwM{dboë`m XwéñVrg g§‘Vr XoUo.

7. Y‘m©Xm`/gmd©O{ZH$ H$maUmgmR>r A§eXmZ {ZYrVyZ g§ñWm§Zm XoUJr XoUo~m~VMo àñVmdmg ‘mÝ`Vm XoUo.

8. gXa dfm©V gd©gmYmaU gôV AZwnpñWV Agboë`m g^mgXm§À`m aOobm ‘mÝ`Vm XoUo.

9. ‘m. AÜ`jm§Mo AZwkoZo Am`Ë`m doiMo {df`.

O`§V H$mH$VH$a{R>H$mU : nwUo à^mar ‘w»` H$m`©H$mar A{YH$mar{XZm§H$ : 14 Am°JñQ> 2018 (‘m. g§MmbH$ ‘§S>imÀ`m Amkodê$Z)

(’$ŠV g^mgXm§gmR>r)

gyMZm …

1. gôÀ`m {Z`mo{OV doionmgyZ AYm© Vmgmn`ªV åhUOo Xw. 3.30 dmOon`ªV JUnyVu Z Pmë`mg g^m ñW{JV Ho$br OmB©b d ñW{JV Pmbobr g^m Ë`mM {R>H$mUr Ë`mM {Xder Xw. 3.40 dmOVm KoÊ`mV òB©b. Ë`m gôg JUnyVuMr d doJù`m gyMZoMr Amdí`H$Vm amhUma Zmhr.

2. gZ 2017-18 Mm Vmio~§X d Z’$mVmoQ>m nÌH$, Cn{dYr XwéñVr Vnerb ~±Ho$À`m do~gmB©Q> www.janatabankpune.com da à{gÕ H$aÊ`mV Ambm Amho.

3. dm{f©H$ AhdmbmMr àV ~±Ho$À`m emIm§‘Üò {X. 23 Am°JñQ> 2018 nmgyZ CnbãY amhrb.

4. gôV hmoUmè`m H$m‘H$mOm~m~V gyMZo‘Üò {ZX}{eboë`m ~m~tg§~§Yr Oê$a Vr H$mJXnÌo goH«o$Q>[a`b {d^mJ, ‘w»`H$Moar‘Üò {X. 29 Am°JñQ> 2018 nmgyZ H$m‘H$mOmÀ`m doioV nmhÊ`mg {‘iVrb.

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6. mJ à‘mUnÌmVrb Zmd, nÎmm AWdm dmagXma ~Xb Agë`mg VgoM bm^m§e Amnë`m ~MV ImË`mV O‘m H$aUo AWdm AÝ` ~±Ho$À`m ImË`mV O‘m H$aÊ`mg§~§YrMo nÌ ~±Ho$À`m eoAg© {d^mJ, ^maV ^dZ, 1360 ewH«$dma noR>, nwUo 411 002 oWo nmR>dmdo. Ë`mZwgma `mo½` Zm|X H$aUo eŠ` hmoB©b d bm^m§emMr a¸$‘ O‘m H$aVm oB©b.

7. Amnbr emIm d ImVo H«$‘m§H$ Amnbo g^mgXËd Agboë`m emIog `mnydu H$i{dbm Zgë`mg Vmo Ëd[aV H$idmdm åhUOo Amnbm bm^m§e Amnë`m ImË`mV O‘m H$aVm òB©b.

8. ~±Ho$À`m nmoQ>{Z`‘ H«$. 48 (iii) AÝdò Á`m g^mgXm§Zr 31 ‘mM© 2014 dfm©gmR>rMm bm^m§e ñdrH$mabm Zgob d Ë`m§Zr {X. 30-11-2018 nydu Z Zoë`mg Ë`m§À`m bm^m§emMr a¸$‘ amIrd {ZYr‘Üò O‘m H$aÊ`mV òB©b. VgoM Á`m g^mgXm§Zm bm^m§e nÌHo$ {‘imbr ZgVrb, Ë`m§Zr Ë`m~m~V AmnU Á`m emIoVyZ g^mgXËdmgmR>r AO© Ho$bm Amho Ë`m emIoH$S>o H¥$n`m g§nH©$ gmYmdm.

9. eoAa gQ>u{’$Ho$Q> {‘imbr Zgë`mg Vr Amnbo g^mgXËd Agboë`m emIoVyZ KoD$Z OmdrV.

..... 2 .....

JANATA SAHAKARI BANK LTD., PUNEMulti State Scheduled Bank

Annual General Meeting Notice

JANATA SAHAKARI BANK LTD., PUNE(Multi State Scheduled Bank)

The 69th Annual General Meeting of Janata Sahakari Bank Ltd., Pune will be held on Friday, 7th September 2018 at 3.00 pm at Progressive Education Society Sabhagruh, Near Modern College of Engineering , Shivajinagar, Pune 411 005 to transact the following business concerning the Bank. Members are requested to attend the meeting.

Agenda of the meeting :1) To approve and confirm the minutes of 68th Annual General Meeting which was held on 19th August 2017.2) To consider and approve the Annual accounts, which consist of the Profit and Loss Account, the Balance Sheet, the Report

of the Board of Directors and the Report of the Statutory Auditors, To appropriate Net Profit for the year ended March 31,2018.

3) To appoint M/s. Mukund M Chitale & Co. and M/s. G. D. Apte & Co. as Statutory Auditors for the financial year 2018-2019 and to authorize the Board of Directors to fix their remuneration.

4) To approve Annual Budget for the financial year 2018-19.5) To take note of the loans sanctioned in the financial year 2017-18 to Directors of the Bank & their relatives as per the

Sec.39(3) of the Multi-state Co-op. Act, 2002.6) To approve amendments to the existing bye-laws of the Bank as recommended by the Board of Directors.7) To consider & approve the proposal of distribution of Donations out of Charitable fund of the bank, to Charitable/Social

institutions.8) To grant leave of absence to the Members of the Bank who are not present in the Annual General Meeting.9) Any other subject, by the permission of Hon. Chairman.

Jayant KakatkarPlace : Pune Chief Executive Officer (Officiating)

Date: 14th August 2018 (By the order of Board of Directors)

(Only for Members)

Note :1) If within half an hour after the scheduled time for the meeting (i.e. up to 3.30 pm), the quorum is not formed, the meeting shall stand

adjourned & this adjourned meeting shall be held at 3.40 pm. on the same day & venue. The adjourned meeting will not require any separate notice or quorum.

2) The Annual Report for the financial year 2017-18 consisting of Profit and Loss Accounts, Balance Sheet & the amendments to the bye-laws are displayed on Bank’s website www.janatabankpune.com

3) The copy of the Annual Report (Ahwal) will be made available in the Bank’s branches from 23rd August 20184) If any member desires to see documents in connection with the agenda of this Annual General Meeting, he/she may approach to the

Secretarial Dept.(HO) Pune from 29th August 2018 during working hours.5) If any member desires to have information in connection with any item of agenda, he/she is requested to address a letter to the Secretarial

Dept.(HO) Pune on or before 4th September 2018, so that the required information may be made available at the Annual General Meeting.

6) Please inform any change in Name, Address or Nomination and also about details of Bank A/c to enable to credit dividend, to our Banks Share Dept., at Bharat Bhavan, 1360 Shukrawar Peth, Pune 411 002.

7) If you have not intimated your Account No. to Branch to credit your dividend, to your respective Account please inform the same to the Branch through which you have become a member.

8) Those members who will not collected their dividend for the year ended 31st March, 2014 on or before 30/11/2018, such dividend will be transfered to Statutory Reserve of the Bank as per Bye-Law No.48 (iii). Also those members who have not received the dividend warrants are requested to collect the same from the concerned Branch from which the membership application form was submitted.

9) For non-receipt of Share Certificate, Members may inquire at the Branch from which the share application was submitted.

..... 3 .....


g§MmbH$ ‘§S>i (2017-2022)

‘m. lr. OJXre bú‘Uamd H$X‘CnmÜ`j

‘m. lr. g§O` ‘wHw§$X boboAÜ`j

g§MmbH$

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‘m. lr. {H$emoa H$m§MZbmb ehm

‘m. grE. lr. ‘mYd am‘H¥$îU ‘mQ>o

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H$m`©nmbH$ (EXECUTIVES)

lr. O`§V H$m{eZmW H$mH$VH$aà^mar ‘w»` H$m`©H$mar A{YH$mar

gh‘hmì`dñWmnH$lr. A^` eaX ~mnQ>

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lr. ^mbM§Ð Xm‘moXa nam§Ono ({X. 2-7-2018 nmgyZ)

‘hmì`ñWmnH$

..... 4 .....


The board of directors are pleased to present to you the report on the bank’s performance during 2017-18, its 69th year. The World Economy:Many developments were witnessed on the global level during financial year 2017-18 which ended recently. These developments influenced the Indian economy directly as well as indirectly. From the point of view of the world economy, the year that passed was one full of hope and despair. The world economy is linked to the prices of crude oil which began rising since the beginning of the year. These prices at one time reached $ 80 per barrel. Dispute between United States of America and Iran over nuclear weapons pact, internal clashes in Venezuela and policy of the OPEC member countries were the principal factors leading to the rise in crude oil prices. Adding to this were factors such as the nuclear test done by North Korea, concerns over global warming, trade war between United States and China, and the problem of refugees in Myanmar. On the other hand there were heartening developments such as the movement of the economies of U.S. and Japan from slowdown to improvement, increase in the rate of employment reducing the worries over unemployment rate, rise in investment opportunities and increase in industrial production. Thus, the world economy seemed to be moving from despair to hope during the financial year 2017-18.

Indian Economy:Implementation of Goods and Services Tax, RERA and MahaRERA - the important legislation aiming to streamline the country’s real estate sector, election of the country’s next President and Vice President, the contract with Japan for Bullet Train project, Bharat Mala Project aiming to develop a network of national highways, the plan to infuse additional capital of Rs. 2,00,000 crore in public sector banks, coming into force the Insolvency and Bankruptsy Code and the growth of Indian economy at the rate of 7.3 % were factors that made a positive impact on Indian economy. The year 2017-18 was however very disappointing for India’s banking sector which is the backbone of the country’s economy. Fraud of over Rs. 11,000 crore in Punjab National Bank, surge in the volume of non-performing

69 dm dm{f©H$ Ahdmbg§MmbH$ ‘§S>i Ahdmb (Directors Report 2017-2018)

g§MmbH$ _§S>imÀ`m dVrZo gZ 2017-18 `m 69 ì`m Am{W©H$ dfm©Vrb Am{W©H$

H$m_{JarMm Ahdmb Amnë`m g_moa R>odVmZm à{Vdfu à_mUoM `m dfuhr {deof AmZ§X

hmoV Amho.

OmJ{VH$ AW©ì`dñWm :- ZwH$Ë`mM g§nboë`m gZ 2017-18 `m Am{W©H$ dfm©V OmJ{VH$ nmVirda AZoH$

KS>m_moS>r KS>ë`m. `m KS>m_moS>tMm àË`j dm AàË`j n[aUm_ ^maVr` AW©ì`dñWoda

Pmbm. OmJ{VH$ AW© ì`dñWoMm {dMma H$aVm gabobo df© Amem - {ZameoZo âbobo

hmoVo. OmJ{VH$ AW©ì`dñWm hr H$À`m VobmÀ`m Xamer OmoS>bobr Amho. `m dfm©À`m

àma§^rnmgyZM Am§Vaamï´>r` ~mOmamV H$À`m VobmÀ`m qH$_Vr dmT>m`bm gwédmV Pmbr.

EH$doi `m qH$_Vr à{V ~°ab E|er S>m°ba n`ªV nmoMë`m. A_o[aH$m d BamU _Yrb

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`m_wio OmJ{VH$ nmVirda qMVm ì`º$ Ho$br Jobr. Xþgè`m ~mOybm A_o[aH$m, `wamonr`

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OmJ{VH$ AW©ì`dñWm {ZameoVyZ AmeoÀ`m {XeoZo PonmdV Agë`mMo {MÌ `m Am{W©H$

dfm©V {XgyZ Ambo.

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d Cnamï´>nVtMr {ZdS>, ~wboQ> Q´>oZgmR>r OnmZ ~amo~a Pmbobm H$ama, amï´>r` _hm_mJ©

{dH$mgmMm ^maV_mbm àH$ën, gaH$mar ~±H$m§Zm XoÊ`mV òUmao XmoZ bmI H$moQ>r én`m§Mo

A{V[aº$ ^mJ^m§S>db, Insolvancy Bankruptsy code Mm {ZU©` Am{U 7.3 Q>¸o$

{dH$mgXamZo hmoUmar ^maVr` AW©ì`dñWoMr àJVr `mMm gH$mamË_H$ n[aUm_ ^maVr`

AW©ì`dñWoda Pmbm. _mÌ Xþgè`m ~mOybm ^maVr` AW©ì`dñWoMm H$Um AgUmè`m

~±qH$J joÌmgmR>r gZ 2017-18 ho df© {ZamemOZH$M Jobo. n§Om~ Z°eZb ~±Ho$Vrb

AH$am hOma H$moQ>tnojm OmñVMm J¡aì`dhma, WH$sV H$Om©Mm Pmbobm {dñ\$moQ>, VmoQ>çmV

OmV Agboë`m ~±H$m d H$O© Z \o$S>Ê`mMr dmT>V Mmbbobr _mZ{gH$Vm `m_wio ~±qH$J

joÌmMo nma H§$~aSo>M _moS>bo Jobo. _mM© 2017 _Üò gmd©O{ZH$ joÌmVrb 21 n¡H$s 10

..... 5 .....

‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$assets of banks, losses in banking sector and the spread in mentality of not repaying bank loans broke the spine of the banking sector. Many public sector banks went into losses as of March 2017 and the number of banks going into losses was 19 in 2017-2018. The aggregate losses of the banks were Rs. 10,000 crore in March 2017. The losses rose to more than Rs. 80,000 crore in 2017-2018. The central government and the Reserve Bank of India are leaving no stone unturned to find a way out of this menace by adopting various measures. The banking sector will come out of the mess but it may take a long time. Banks will have to be extra cautious in lending in the coming days. There were 64 lakh indirect tax payers in the country prior to the implementation of GST. The number went to 1 crore 12 lakh between 1 July 2017 and 30 June 2018, bringing an average revenue of Rs. 85,000 crore per month to the central kitty. The government is estimating collection of Rs. 13 lakh crore of GST revenue during the current year 2018-19. The positive effect of GST on Indian economy is now visible. The Reserve Bank is also putting in place measures to control inflation. Strict laws are under implementation for strong action against those who do not repay loans. Asian Development Bank has lauded India as the fastest growing economy in Asia. India is now recognised as the third most attractive investment destination in the world. Foreign exchange reserves of the country have touched the level of $424 billion. The economy is estimated to grow at a rate of 7.5% in the current financial year. The Niti Aayog has drawn up a development plan to help India emerge as an economic power by 2022, with a growth target of 8.5% to 9%.

Sr. No. Particulars 31/03/2016 31/03/2017 31/03/2018

1. ^mJ ^m§S>db Share Capital 182.26 207.39 216.08

2. R>odr Deposits 7678.33 8472.36 8544.84

3. H$O} Loans and Advances 5126.72 5691.07 5705.46

4. Jw§VdUyH$ Investments 2582.23 2768.46 3334.97

5. EHy$U ì`dgm` Total Business 12805.05 14163.43 14250.30

6. à{V godH$ ì`dgm` Per Employee Business 12.34 11.16 11.24

7. IoiVo ^m§S>db Working Funds 8526.64 9337.69 9841.04

8. n[aMmbrV Z\$m Operating Profit *130.57 *134.25 *144.49

9. VaVyXr Provisions 39.91 105.22 78.52

10. {Zìdi Z\$m Net Profit 64.97 36.11 38.15

11. T>mo~i AZwwËnm[XV H$O} Gross NPAs 4.54% 8.99% 6.92%

12. {Zìdi AZwwËnm[XV H$O} Net NPAs 2.26% 4.89% 4.44%

13. ^m§S>db n`m©áVm CRAR 13.90% 12.97% 14.10%

ì`mdgm`rH$ _mnX§S>mVrb H$m_{Jardarb VwbZmË_H$ Ñï>rjon - (AmH$S>o H$moQ>rV) Key Performance Indicators - (Figures in Crores)

~±H$m VmoQ>çmV Joë`m. _mM© 2018 _Üò 21 n¡H$s 19 ~±H$m VmoQ>çmV Joë`m. _mM© 2017

_Üò `m VmoQ>çmVrb ~±H$m§Mm {Zìdi VmoQ>m é. 10 hOma H$moQ>r hmoVm Vmo _mM© 2018

_Üò é. 80 hOma H$moQ>rnojm OmñV Pmbm.

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H$arV AmhoV. `mgmR>r {d{dY Cnm` `moObo OmV AmhoV. `mVyZ ~±qH$J joÌ Z¸$sM

gmdaob _mÌ Ë`mbm H$mbmdYr bmJob Ago gÜ`mMo {MÌ Amho. AmJm_r H$mimV H$O©

{dVaU ho S>moù`mV Vob KmbyZ H$amdo bmJob. gmdY n{dÌm KoD$Z H$O© dmQ>n Ho$bo Va

gÜ`mMr n[apñWVr Z¸$sM ~Xbob.

"OrEgQ>r'Mr A_§b~OmdUr hmoÊ`mnydu XoemV 64 bmI H$aXmVo hmoVo. 1 Owb¡ 2017

Vo 30 OyZ 2018 `m H$mbmdYrV hr AàË`j H$aXmË`m§Mr g§»`m 1 H$moQ>r 12

bmImda Jobr. H|$Ð gaH$mabm "OrEgQ>r'VyZ Xa_hm gamgar é. 85 hOma H$moQ>rMm

_hgyb {_imbm Amho. Mmby Am{W©H$ dfm©V (gZ 2018-19) gaH$mabm OrEgQ>rVyZ

é. 13 bmI H$moQ>tMm _hgyb Ano{jV Amho. "OrEgQ>r'Mm gH$mamË_H$ n[aUm_

^maVr` AW©ì`dñWoda {XgyZ òV Amho. _hmJmB© {Z`§ÌUmV R>odÊ`mgmR>r [aPìh© ~±H$

Cnm` `moOV Amho. AW©ì`dñWobm C^mar {_imdr `mgmR>r H|$Ð gaH$ma {d{dY `moOZm

AmIV Amho. H$O© ~wS>{dUmè`m§{déÕ H$S>H$ H$m`Xo H$ê$Z Ë`mMr A§_b~OmdUr gwé

Pmbr Amho.

Am{e`mB© {dH$mg ~±Ho$Zo Am{e`mVrb gdm©V doJdmZ AW©ì`dñWm åhUyZ ^maVr`

AW©ì`dñWoMm Jm¡ad Ho$bm Amho. OmJ{VH$ nmVirda naXoer Jw§VdUwH$sgmR>r H«$_m§H$

VrZMm AZwHy$b Xoe åhUyZ ^maVmMr AmoiI {Z_m©U Pmbr Amho. ^maVmMr naH$s`

J§JmOir 424 AãO S>m°ba n`ªV nmohMbr Amho.`m Am{W©H$ dfm©V AW©ì`dñWm

7.5 Q>¸o$ XamZo {dH${gV hmoB©b Agm A§XmO dV©{dÊ`mV Ambm Amho. ^maVmbm gZ

2022 n`ªV OJmVrb EH$ _moR>r Am{W©H$ eº$s åhUyZ Zmdménmbm AmUÊ`mgmR>r

{ZVr Am`moJmZo EH$ {dH$mg AmamIS>m V`ma Ho$bm Amho. Ë`mV 8.5% Vo 9 % Q>¸o$

{dH$mgXamMo C{Ôï> R>odÊ`mV Ambo Amho.

..... 6 .....


Urban co-operative banksThe recently concluded financial year 2017-18 was challenging for urban co-operative banks too. The menace of NPAs hit them as much as it hit the public sector banks, though the hit was low in proportion with the volume of business. Deposits showed a very small increase during the year as the depositors preferred to invest in insurance and mutual funds. According to a report of the RBI the decline in growth in deposits was the sharpest in 2017-18, with a growth rate of 6.7%. Urban co-operative banks too suffered from this trend. Loan disbursals increased by 11% during 2017-18.Finding good borrowers, containing the size of non-performing assets and offering high quality services and facilities to customers will be the areas where the urban banks will have to concentrate in the coming years.

Shareholders and Share Capital: The Bank’s Share Capital increased by Rs. 8.68 Cr. To Rs. 216.08 Cr. With 173966 members during the year 2017-18. The bank made vigorous efforts to collect the shortfall between amount paid by shareholders as share capital and the minimum membership amount of Rs. 2000 from 1545 members during the year. The bank intends to continue the effort during the current year too. We hope shareholders will respond positively.

Deposits: The deposits which stood at Rs. 8472.36 crore at the end of the previous financial year 2016-17, saw a net increase of Rs. 72.48 crore with total deposits of Rs. 8544.84 crore as on 31/03/2018. The rate of increase in deposits was 0.85%. The deposits of non-scheduled banks decreased by Rs. 277 crore. The decline in rates of interest offered by banks have resulted in the customers shifting their deposits to options such as small saving certificates or mutual funds for higher returns. Banks too have made a considered decision to respond to low credit offtake by not chasing deposits and reducing the rates of interest, keeping the liquidity level in mind. Our bank is no exception to this.

D.I.C.G.C.

The bank has paid required insurance premium on deposits payable under Deposit Insurance and Credit Guarantee Corporation Act 1961.

Increase in savings and Current Account deposits :

Low cost deposits (CASA) of the bank which stood at Rs. 1778.19 crore at the end of March 2017, have increased by Rs. 121.80 crore. CASA deposits, which at the end of March 2017 were 20.91% of total deposits, are now 22.24% of total deposits at the end of March 2018. The efforts to increase CASA Deposits by various initiatives and campaigns during this year were reasonably successful.

ZmJar ghH$mar ~±H$m :-

ZwH$VoM gabobo gZ 2017-18 ho df© ZmJar ghH$mar ~±H$m§ZmXoIrb AmìhmZmË_H$M

am{hbo. "EZnrE' Zo Á`mà_mUo gaH$mar ~±H$m§Zm J«mgbo VgoM ZmJar ~±H$m§Zm XoIrb

EZnrE Mr Pi gmogmdr bmJbr. gaH$mar ~±H$mÀ`m VwbZoV ZmJar ~±H$m§Mr CbmT>mb

H$_r Agë`mZo hr Pi XoIrb H$_r à_mUmV hmoVr. R>odrXmam§Zr Amnbm _moMm© {d_m

d å`wÀ`wAb \§$S>mH$So> di{dbm Agë`mZo ~±H$m§_Yrb R>odt_Üò `m dfm©V bjUr`

KQ> Pmbr. [aPìh© ~±Ho$À`m AhdmbmZwgma Joë`m 50 dfm©V dmT>rÀ`m à_mUmV àW_M

BVH$s KgaU Pmbr. gZ 2017-18 `m dfm©V R>odrÀ`m dmT>rMm Xa hm 6.7 Q>¸o$

Zm|X{dbm Jobm. ZmJar ~±H$m§Zm XoIrb `mMm \$Q>H$m ~gbm. H$O© {dVaU dmT>rMm Xa

gZ 2017-18 `m dfm©V 11 Q>¸o$ Zm|X{dbm Jobm.

Mm§Jbo H$O©Xma {_i{dUo, EZnrE AmdmŠ`mV R>odUo, J«mhH$m§Zm XO}Xma godm - gw{dYm

XoUo `mgmR>r ZmJar ~±H$m§Zm AmJm_r H$mimV n[al_ Kmdo bmJUma AmhoV.

^mJYmaH$ d ^mJ ^m§S>db :-

Joë`m Am{W©H$ dfm©V ^mJ ^m§S>dbmV é. 8.68 H$moQ>tMr dmT> hmoD$Z EHy$U ^mJ

^m§S>db é. 216.08 H$moQ>r Pmbo Amho. EHy$U g^mgX g§»`m 173966 Amho. é. 2

hOma À`m AmVrb ^mJ ^m§S>db Agboë`m ^mJ YmaH$m§H$Sy>Z Cd©[aV ^mJ ^m§S>db

d âUm H$aÊ`mMo à`ËZ gwê$ AmhoV. Ë`mbm 1545 g^mgXm§Zr à{VgmX {Xbm Amho.

am{hbobo ^mJYmaH$hr à{VgmX XoVrb Aer Amem Amho.

R>odr :-

_mJrb Am{W©H$ df© 2016-17 AIoa AgUmè`m ~±Ho$À`m é. 8472.36 H$moQ>r

R>odt_Üò `m Am{W©H$ dfm©V é. 72.48 H$moQ>tMr {Zìdi dmT> hmodyZ _mM© 2018

AIoa ~±Ho$À`m EHy$U R>odr `m é. 8544.84 H$moQ>r AmhoV. `mdfuMm R>odrMm d¥ÕrXa

0.85% am{hbm Amho. Zm°Z eoS>çwëS> ~±H$ R>odtMr a¸$_ gZ 2017-18 _Üò é.277

H$moQ>tZr H$_r Pmë`m_wio EHy$U R>odrV Pmbobr dmT> AË`ën {XgV Amho. ~±H$m§Mo H$_r

hmoV OmUmè`m R>od ì`mOXam_wio R>odrXma, J«mhH$m§Zr Ë`m§À`m H$S>rb R>odr `m ì`mOmÀ`m

A{YH$ CËnZmgmR>r AÝ` n`m©` CXm.Aën ~MV `moOZm, å`wÀ`wAb \§$S²g B._Üò

Jw§V{dë`mMo AmT>iVo. AWm©V ~±H$m§Zrhr EHy$UM H«o$S>rQ> Am°\$Q>oH$ _Yrb H$_r JVr _wio

CnbãY amoI VabVoMm {dMma H$ê$Z R>odr g§H$bZmg H$_r àmYmÝ` XodyZ ì`mOXa H$_r

H$ê$Z IMm©V ~MV H$aÊ`mMo YmoaU R>odbo. Amnbr ~±H$ XoIrb `mg AndmX Zmhr.

D.I.C.G.C :-

~±Ho$Zo {S>nm°{PQ> BÝewaÝg d H«o$S>rQ> J±a§Q>r H$m°nm}aoeZ H$m`Xm 1961 AÝdò âmdr

bmJUmar R>odtÀ`m {d_m àr{_`_Mr Amdí`H$ Vr AÚm`dV a¸$_ âbr Amho.

~MV Am{U Mmby R>od d¥Õr (Low Cost Deposits /CASA) :-

_mM© 17 AIoa AgUmè`m é.1778.19 H$moQ>rÀ`m "bmo H$m°ñQ>' (C ASA Deposits)

R>odt_Üò {X.31/03/2018 AIoa é. 121.80 H$moQ>rMr dmT> Pmbobr Amho. _mM©

17 À`m EHy$U R>odtÀ`m 20.91% À`m VwbZoV _mM© 18 AIoa ho CA SA à_mU

22.24% Amho. `m Am{W©H$ dfu {d{dY Am{U gmVË`nyU© CnH«$_ /A{^`mZmÀ`m

_mÜ`_mVyZ `m "bmo H$m°ñQ>' R>odt_Üò (C ASA Deposits) dmT> H$aÊ`mMo R>odbobo

C{Ôï> {Z{üV `mo½` _mJm©daAm{U g\$b Pmbo Ago {Z{üV Z_yX H$aVm òB©b.

..... 7 .....

‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$(Rs. In crores)

No. Deposit Type 31/03/17 30/06/17 30/09/17 31/12/17 31/03/18

1 Saving 1487.23 1495.28 1548.33 1536.00 1562.64

2 Current 290.96 306.66 294.07 292.93 337.35

3 Total CASA 1778.19 1801.94 1842.04 1828.93 1899.99

4 Total Deposit 8472.36 8436.41 8501.68 8416.73 8544.47

5 CASA % with Total Dep.

20.91% 21.36% 21.67% 21.73% 22.24%

The target for CASA deposits during the next year (2018-19) has been set at 22.65 % with the stress on mobilisation right from the beginning of the year as in the last year. During the year 2017-18 a campaign for Home Savings (Pigmy) was launched. There are 18968 accounts and deposits of Rs.19.60 crore. Account holders and members offered a good response to the campaign.

Advances:

Economic slow down has affected decisions taking in capital investment by potential borrowers resulting in lower credit off-take. In keeping with the trend in the banking sector, our bank too saw a very slow growth in advances. The bank, like in the last year, focussed on strengthening asset quality rather than increase in volumes. This strategy has resulted in a small yet controlled increase in the bank’s advances.

This is a bank for and of small people. The Bank has already started focusing more on small advances of Rs. 25 Lacs or less. In 2017-18 the Bank lent Rs. 434.04 Cr, in this segment. Small advances now stand at Rs. 1082.74 Cr. The proportion of small advances to total advance in 19%. Such small advances are at Rs. 1082.74 Cr as at 31/03/2018. The Bank will continue to focus on small advances in this year also.

The recession in real-estate sector continues.The Bank has, therefore, kept a watch on lending to real-estate developers and potential home owners though the experience in the field in satisfactory. The bank’s advances as of March 2018 stand at Rs. 5705.46 crore. The credit to deposit ratio at the end of March 2018 was 66.77% against 67.16 % at the end of March 2017.

Recovery of overdue loans and non-performing assets: Non-performing assets at the beginning of 2017-18 were Rs. 511.50 crore. It is noteworthy that Gross NPA of Rs. 341.43 crore were recovered during the year. The total recovery this year includes cash recovery, upgradation, of non-performing accounts to performing ones and sale of loans to Asset Reconstruction Companies. Against all odds we have been able to contain the Gross NPA percentage at 6.92 of total advances.

(AmH$So>dmar é.H$moQ>rV)

R>od àH$ma 31-03-17 30-06-17 30-09-17 31-12-17 31-03-18

~MV R>od 1487.23 1495.28 1548.33 1536.00 1562.64

Mmby R>od 290.96 306.66 294.07 292.93 337.35

EHy$U - "H$mgm' 1778.19 1801.94 1842.04 1828.93 1899.99

EHy$U {S>nm°PrQ> 8472.36 8436.41 8501.68 8416.73 8544.84(CA SA % with Deposits)

20.91% 21.36% 21.67% 21.73% 22.24%

øm nwT>rb Am{W©H$ dfm©V C ASA R>odtMo à_mU 22.65% EdT>o dmT>{dÊ`mMo C{Ôï> {Z{üV Ho$bo Amho. Am{U `m Am{W©H$ dfm©À`m àma§^mnmgyZ _mJrb dfu à_mUoM bú` H|${ÐV à`ËZ H$aÊ`mMo {Z`moOZ Ho$bo Amho. gZ 2017-18 `m H$mbmdYrV hmo_ goìht½O R>od (Pigmy) `moOZoMm àMma d A{^`mZ am~{dÊ`mV Ambo. Ë`m_Üò 18968 ImVr d é. 19.60 H$moQ>tÀ`m R>odr AmhoV. R>odt_Üò `m CnH«$_mg ImVoXma

Am{U g^mgXm§Zr CËñ\y$V© à{VgmX {Xbm.

H$O} :-CÚmoJnVr / ì`mnmar _§S>ir_Ü o AmœmgH$ dmVmdaUmMm A^md OmUdVmo. ^m§S>dbr Jw§VdUyH$sMo {ZU© doJmZo hmoVmZm {XgV ZmhrV. n[aUm_ñdén H$O©dmT> _mJrb dfm©V _§Xmdbr Amho. _mJrb dfuÀ`m VwbZoV ~±Ho$Mr H$O} hr a $_ {Zhm` é 14.39 H$moQ>tMr dmT> Am{U Q> o$dmar {Zhm` Vr 0.25% Aer AmT>iyZ oB©b. ~±Ho$Zo _mJrb dfuà_mUoM Am{U EHy$UM ~mOmamVrb AgUmar _§XrgÑí` n[apñWVr mMm {dMma H$ê$Z H$Om©Mr dmT> H$aVm§Zm Ho$di H$O© aH$_oMr g§»`mË_H$ d¥ÕrMm {dMma Z H$aVm H$O© JwUdÎmm d¥Õrg A{YH$ _hËd XoÊ`mV Ambo. `m YmoaUmMmhr n[aUm_ `m Aën _mÌ gw{Z §{ÌV H$O©dmT>rV {XgyZ oV Amho.

~±Ho$À`m "N>moQ>çm bmoH$m§Mr _moR>r ~±H$' `m YmoaUmg AZwgê$ZM `m dfu ~±Ho$Zo a¸$_ é 25 bmI d Ë`m nojm N>moQ>çm aH$_oÀ`m AË`§V Z\$mj_, H$O© ì`dgm`Ñï²>`m H$mhrem pñWa Aem Mm§Jë`m H$OmªMm àgma qH$dm dmT> H$aÊ`mMo R>a{dbo hmoVo. Ë`m_wio `m dfuÀ`m EHy$U {Zìdi H$O©dmT>rn¡H$s é.433.04 H$moQ>rMr H$O©dmT> hr é.25 bmI d Ë`mnojm H$_r aH$_oMr Amho. {X.31 _mM© 2018 AIoa é.25 bmI d Ë`mnojm H$_r aH$_oMr H$O©ImË`m§Mr Zm§do~mH$s é.1082.74 H$moQ>r Amho. ~±Ho$À`m EHy$U H$Om©er N>moQ>çm H$OmªMo à_mU ho 19% EdT>o Amho. AWm©V _mJrb dfu à_mUoM `mhr Am{W©H$ dfm©V `m N>moQ>çm aH$_m§À`m H$Om©_Üò _moR>r dmT> Am{U Ë`mM ~amo~a H|$Ð Am{U amÁ` gaH$ma `m§À`m {d{dY _oH$ BZ B§{S>`m, ñQ>mQ>© An B§{S>`m, H$m¡eë` {dH$mg, ñd`§amoOJma, bKw qH$dm _Ü`_ AmH$mamMo CÚmoOH$/ ì`mdgm{`H$ àmYmÝ` `m YmoaUmg AZwgê$Z é 1 Vo 3 H$moQ>r aH$_oÀ`m H$O© àH$aUm§Zm A{YH$ _hËd XoÊ`mMo R>a{dbo Amho.Ka ~m§YUr joÌmV gmVË`mZo AgUmè`m _§Xr_wio ~±Ho$Zo J¥hH$O© dmT>rda VgoM ~m§YH$m_ ì`dgm{`H$ H$O© nwadR>çmda {ZH$fmZwgma Am{U H$miOrnyd©H$ {Z`§ÌU R>odbo Amho. `m XmoÝhr H$O© àH$mamVrb ~±Ho$Mm AZw^d gmVË`nyU© Mm§Jbm Amho._mM© 2018 AIoa ~±Ho$Mr H$O} hr é. 5705.46 H$moQ>r AmhoV. Ahdmb dfm©Vrb EHy$UM H«o$S>rQ> Am°\$Q>oH$ _Yrb KQ> {dMmamV KoVm _mM© 17 AIoa AgUmam 67.16 % EdT>m gr S>r

aoemo _mM© 18 AIoa 66.77% EdT>m am{hbm.

WH$sV Am{U EZ.nr.E H$O© dgwbr Am{U {Z`§ÌU :-gZ 2017-18 Mo gwédmVrg AZwËnm{XV H$Om©Mr a¸$_ é.511.50 H$moQ>r hmoVr, òWo Zm|X KoÊ`mOmoJr ~m~ åhUOo `mdfu é.341.43 H$moQ>rMr WH$sV d A{Z`{_V H$O} dgyb H$aÊ`mV Ambr. dgwbr_Üò àË`j amoI dgwbr, AnJ«oSo>eZ, WH$sV ImË`m§Mr Performing ImVr hmoUo Am{U ARC bm {dH$boë`m H$O© ImË`m§Mm g_mdoe Amho. Am{W©H$ _§XrÀ`m à^mdmImbr _mJrb Am{W©H$ dfm©à_mUoM `mhr dfu ~±qH$J joÌmV gd©M ~±H$m§_Ü o WH$sV d A{Z`{_V H$Om©Mo à_mU dmT>bobo {XgyZ oVo. `m nmœ© y_rda Amnë`m ~±Ho$À`m AZwËnm{XV H$Om©Mo EHy$U H$Om©er à_mU 6.92% d {Zìdi AZwËnm{XV H$Om©Mo à_mU 4.44 % EdT>o Amho. dgwbrMo à`ËZ Mmby AgyZ T>mo~i AZwËnm{XV H$O} 31/03/2017 AIoa 8.99 % AgyZ 31/03/2018 AIoa Vr

6.92 % BVH$s H$_r Pmbr AmhoV.

..... 8 .....


Investments:

The bank’s investments stand at Rs. 3334.97 crore during year 2017-18. This is higher by Rs. 287.38 crore than the investments in year 2016-17. The bank has received average return of 8.43%. The bank has made investments according to the guidelines of Reserve Bank of India and has maintained appropriate balance between statutory liquidity and investments.

Investments is an important source of the bank’s income. A careful build-up of the portfolio has ensured that the bank managed to earn consistent returns and maintain proper liquidity.

Foreign Exchange Transactions:

Reserve Bank has assigned to our bank license of “Authorised Dealer II” to provide foreign exchange services to resident and non-resident Indians. Customers have availed of this service - though limited in nature - to perform transactions in foreign currency transaction in various countries worth Rs. 3.23 crore, bringing in net profit of Rs. 1.96 lakh.

Asset Reconstruction Company (ARC):

Reserve Bank has permitted multi-state scheduled banks to sell to ARCs their non-performing loans. Main function of a bank is to accept deposits and give loans. Considerable time is spent on recovery of non-performing advances and they also have a bearing on key financial indicators. ARCs perform the important function of cutting down this time spent on recovery of such assets. They recover the non-performing assets using all the tools of recovery as the bank would use in a similar way. ARCs are organised under the control of the Reserve Bank of India.

Appropriation of Net profit for the year 2017-18 :

Sr. No

Particulars Amount Rs./Cr

1 Statutory Reserve 9.54

2 Provision for Contingencies 3.81

3 Education Fund 0.38

4 Proposed Dividend 12.30

5 Investment Fluctuation Reserve 6.09

6 Bad and Doubtful Advances Reserve 8.00

Total 40.12

Dividend :The Board of Directors propose a dividend of 6% subject to prior approval of RBI.

Branch Expansion : During the year the Bank opened branches at Narhe Ambegaon and Bibwewadi growing suburbs at Pune. They are progressing satisfactorily.

Jw§VdUyH$ :-

~±Ho$Mr Jw§VdUyH$ Am{W©H$ df© 2017-18 _Üò é.3334.97 H$moQ>r Amho, Am{W©H$ df© 2016-17 À`m VwbZo_Üò Jw§VdUyH$ é 287.38 H$moQ>rZo dmT>br Amho. ~±Ho$bm Jw§VdUwH$sdarb gamgar naVmdm 8.43% {_imbm Amho. ~±Ho$Zo Amnbr Jw§VdUyH$ [aPd© ~±Ho$À`m _mJ©Xe©H$ VËdmZwgma Ho$bobr Amho. Ahdmb dfm©V ~±Ho$Zo d¡Ym{ZH$ amoIVm d Jw§VdUwH$sMo à_mU `mo½` à_mUmV R>odbo Amho. `m ApñWa H$mimVhr ~±Ho$Zo Jw§VdUwH$sÀ`m IaoXr {dH«$sVyZ é.20.15 H$moQ>r Z\$m {_idbm Amho.

~±Ho$Mr Jw§VdUyH$ hr ~±Ho$À`m CËnÞmMm _hËdmMm ómoV Amho, ~±Ho$Zo Amnë`m Jw§VdUyH$ nmoQ>©μ\$mo{bAmoMr `mo½` ~m§YUr Ho$ë`m_wio Ë`mÀ`m naVmì`mV gmVË` R>oD$Z Vmo Vab

R>odbm Amho.

{dXoe {d{Z‘` ì`dhma :-

Amnë`m ~±Ho$g [aPìh© ~±Ho$Zo H$m`_ñdê$nr {Zdmgr d A{Zdmgr ^maVr`m§Zm {dXoe {d{Z_`mMr gw{dYm XoÊ`mMm ''Authorised Dealer II'' XOm©Mm nadmZm {Xbobm Amho. ~±Ho$À`m m ì`mdhm[aH$ Ñï>`m H$mhrem _`m©{XV gw{dYoMm bm^ {d{dY J«mhH$m§Zr KoVbm AgyZ Ahdmb dfm©V {d{dY Xoem§À`m MbZ {d{Z_`mnmoQ>r a¸$_ é.3.23 H$moQ>r nojm OmñV a¸$_oMo ì`dhma Amnë`m ~±Ho$_m\©$V H$aÊ`mV Ambo AmhoV.Ë`mVyZ a¸$_ é.1.96

bmI {Zìdi Z\$m Pmbm Amho.

A sset Reconstruction Company ( ARC) [aPìh© ~±Ho$Zo _ëQ>r ñQ>oQ> eoS>çwëS> ~±H$m§Zm Amnbr AZwËnm{XV H$O} dgyb H$aÊ`mgmR>r Vr ARC bm {dH$Ê`mMr _w m {Xbobr Amho. ~±Ho$Mo _hËdmMo H$m_ R>odr ñdrH$maUo d H$O© {dVaU H$aUo Ago Amho. H$O} AZwËnm{XV Pmë`mda, Ë`mÀ`m dgwbr gmR>r ~±H$m§Mm _hËdmMm doi dgwbrV OmVmo, _hËdmÀ`m Am{W©H$ Xe©H$m§dahr à{VHy$b n[aUm_ hmoVmo. dgwbrÀ`m doioMm Anì`` Q>miÊ`mgmR>r A RCS _hËdmMr y{_H$m ~OmdVmV. ~±Ho$Mr AZwËnm{XV H$OmªMr dgwbr Á`m nÕVrZo ~±H$ H$aob Ë`m nÕVrZo dgwbrMr gd© Am wYo dmnê$Z A RCS AZwËnm{XV H$OmªMr dgwbr H$aVmV. A RCS `m [aPìh© ~±H$ {Z §{ÌV g§ñWm AmhoV.

gZ 2017-18 `m dfm©V ~±Ho$Zo EHy$U é. 350/- H$moQ>tMr AZwËnm{XV H$O} _obrAmoam EAmagr d {\${ZŠg EAmagr `m§Zm dJ© Ho$br AmhoV. Ë`mMm g{dñVa Vnerb

Vmio~§XmVrb n[a{eð> H«$.9 _Ü o Z_yX Ho$bm Amho.

Am{W©H$ df© 2017-2018 AIoa Pmboë`m Zâ`mMr {d^mJUr :-(a¸$‘ é. H$moQ>r ‘Üò)

A.H«$. Vnerb a¸$_

1 {dYr {dhrV J§JmOir 9.54

2 AmH$pñ_H$ {ZYr 3.81

3 e¡j{UH$ {ZYr 0.38

4 g§^mì` bm^m§e 12.30

5 Jw§VdUyH$ MT> CVma {ZYr 6.09

6 g§e{`V d ~wSrV H$O© {ZdmaU {ZYr 8.00

EHy$U 40.12

bm^m§e :- g§MmbH$ _§S>imZo Ahdmb dfm©gmR>r RBI Mo nyd©nadmZJrZo 6%XamZo bm^m§e XoÊ`mMr Ho$bobr {e\$mag Amnë`m _mÝ`VogmR>r R>odbr Amho.

~±Ho$Mm `m Am{W©H$ dfm©Vrb emIm {dñVma :- [aPìh© ~±Ho$Zo dm{f©H$ ì`dgm` {Z`moOZ A§VJ©V doimodoir Zì`mZo _§Oya Ho$boë`m

emIm§_wio _mM© 2018 AIoa ~±Ho$À`m EHw$U 71 emIm + 2 {dñVm[aV H$j Agm

{dñVma Pmbobm Amho. gZ 2017 -18 `m Am{W©H$ dfm©V Zì`mZo 2 emIm gwé

H$aÊ`mV Amboë`m AmhoV.

..... 9 .....

‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$With the above expansion the Bank has now 71 branches & two extension counters.

Business Plan 2017-18 :

Sr. No

Particulars 2017-18 (Target)

31/03/2018 Actuals

Target 2018-19Rs. Crore

1 Share Capital 220.00 216.08 240.00

2 Reserves and provisions 687.39 597.08 628.59

3 Deposits 9200.00 8544.84 9100.00

4 Investments 3218.00 3334.97 3725.00

5 Advances 6100.00 5705.40* 5900.00

6 Working Capital 10784.00 9841.04 10500.00

7 Total Income 1023.33 963.63 943.50

8 Net Profit 50.00 38.15 40.00

Technology:The banks now a days offers to its customers various technology based services. Our bank has also provided to customers state of the art services based on modern technology. A comparative study of the bank’s customers shows that 25% of them are below 35 years of age. We have introduced in this year some latest services to the customers. Among these is the Unified Payment Interface ‘(UPI)’ service which has evoked excellent response from customers. Our ‘UPI’ app is available as ‘BHIM Jetpay.’ Account holders of any bank can use this app. We have offered facility of receiving money by QR code to shop-owners, trusts, temples and housing using this app. The customers can use the ‘BHIM Jetpay’ app to make online bookings and shopping as well as make various payments and also transfer funds. They can also avail of ‘cash back’ offers announced by National Payment Corporation of India (NPCI). The bank has made e-transaction agreement for various companies to extend different offers to its customers.

The bank has started Bharat Bill Payment Service to consumers at large. This service enables consumers to pay bills such as electricity, mobile phone bills, gas bill, or DTH recharges from bank branches or on mobile phone apps. For our customers mobile banking app ‘JSB Mconnect’ is now linked with GPRS technology to offer bill payment service and the facility to block and unblock ATM cards. This ‘JetBillPay’ app is available on Google Play store.

In order to make it possible for customers to know their account balance anytime anywhere, the bank has offered free missed call alert facility. We also send SMS message to customers each time there is a transaction in their account.

Our bank has introduced Platinum Card which offers facilities such as higher cash withdrawal limit of Rs. 40,000/-, insurance of Rs. 2 lakh and limited access to lounges on domestic and international airports.

Zèho Am§~oJm§d d {~~dodmS>r emIm Zì`mZo gwé Pmboë`m `m AgyZ gXa emIm§Zr

EH$ÌrVnUo EHw$U a¸$_ é.670.86 bmI én`m§Mm ì`dgm` Ho$bm. Ë`m_Üò

é.608.25 bmIm§À`m R>odr Va é.62.61 bmIm§À`m H$Om©Mm g_mdoe Amho

ì`dgm` {Z`moOZ 2018-2019 (AmH$S>o H$moQ>rV )

A.

H«.

Vnerb 2017-18

Mo C{Ôï>

31/03/2018 amoOr

gmÜ` AmH$S>odmar

C{Ôï>

2018-19 1 ^mJ ^m§S>db 220.00 216.08 240.002 amIrd {ZYr d VaVwXr 687.39 597.08 628.593 R>odr 9200.00 8544.84 9100.004 Jw§VdUyH$ 3218.00 3334.97 3725.005 H$O} 6100.00 *5705.40 5900.006 IoiVo ^m§S>db 10784.00 9841.04 10500.007 EHy$U CËnÞ 1023.33 963.63 943.508 {Zìdi Z\$m 50.00 38.15 40.00

V§ÌkmZ :-

gÜ`mÀ`m H$mimV R>odr ñdrH$maUo d H$O© dmQ>n H$aUo EdT>`m nwaVoM ~±qH$J _`m©{XV Z

amhVm V§ÌkmZmda AmYm[aV {Za{Zamù`m godm J«mhH$m§Zm CnbãY H$ê$Z XoÊ`mMm ~±H$m

à`ËZ H$aV AgVmV. Amnë`m ~±Ho$Zohr Aem AË`mYw{ZH$ V§ÌkmZmZo `wº$ AÚ`mdV

godm J«mhH$m§Zm CnbãY H$ê$Z {Xboë`m AmhoV d Ë`mV gmVË`mZo dmT> hmoV Amho.

~±Ho$Vrb {dÚ_mZ ImVoXmam§Mm Vm¡b{ZH$ Aä`mg Ho$bm AgVm, ~±Ho$_Üò 25% J«mhH$

ho d` df} 35À`m AmVrb Agë`mMo AmT>iyZ Ambo Amho. `m VéU J«mhH$ dJm©gh

EHy$U gd© J«mhH$m§gmR>r _mJrb Am{W©H$ dfm©à_mUoM `m dfm©V XoIrb AmnU H$mhr

godm Zì`mZo gwé Ho$ë`m AmhoV. Ë`m_Üò UPI - Unified Payment Service hr

godm J«mhH$m§Zm CnbãY H$ê$Z {Xbobr AgyZ Ë`mg J«mhH$m§Mm CÎm_ à{VgmX bm^bobm

Amho.Amnbo `w.nr.Am`. A°n ^r_ OoQ>no øm ZmdmZo CnbãY H$ê$Z XoÊ`mV Ambobo

Amho. ho A°n Hw$R>ë`mhr ~±Ho$ Mo ImVoXma dmnê$ eH$VmV. øm gw{dYoÛmao AmnU

XþH$mZXma, Q´>ñQ>, XodñWmZ, hm¡qgJ gmogm`Q>r `m§Zm QR H$moS>Ûmao a¸$_ ñdrH$maÊ`mMr

gw{dYm {Xbr Amho. `w .nr.Am`. gw{dYoÛmao J«mhH$ Amnë`m ^r_ OoQ>no A°nÛmao

Am°ZbmB©Z ~wqH$J/em°qnJ H$ê$ eH$VmV VgoM doJdoJi`m àH$maMr no_|Q> H$ê$ eH$VmV

Am{U \§$S> Q´>mÝg\$a H$ê$ eH$VmV. VgoM J«mhH$ Ë`m§Zr Ho$boë`m ì`dhmam§da N.P.C.I. H$Sy>Z announce Ho$boë`m {d{dY H°e~°H$ Am°\$g©Mm bm^ KoD$ eH$VmV. J«mhH$m§Zm

{d{dY Am°\$g©Mm A{YH$m{YH$ bm^ {_imdm åhUyZ ~±Ho$Zo gwÕm H$mhr H§$nÝ`m§~amo~a

H$ama Ho$bo AmhoV.

~±Ho$Zr BBPS -^maV {~b no_|Q> g{d©g J«mhH$m§gmR>r gwé Ho$br. øm gw{dYoÛmao gd©

àH$maMo {~b CXm. E_.Eg.B©.~r. {~b, àrnoS> nmoñQ>noS> _mo~mB©b {~b, nmUr {~b,

J°g {~b, S>re Q>rìhr [aMmO© B©. gwb^nUo emIo_YyZ AWdm _mo~mB©b ~±qH$J A°n_

YyZ âVm òVmV. Amnbo _mo~mB©b ~±qH$J A°n JSB Mconnect AmVm G.P.R.S. øm AmYw{ZH$ V§ÌkmZmer g§b¾ H$ê$Z Ë`m_Üò AmnU {~b no_|Q> Am{U A.T.M. card ãbm°H$/AZ ãbm°H$ gw{dYm Ë`m_Üò {Xbr Amho Am{U ho A°n AmVm ßboñQ>moa da

JETBillPay øm ZmdmZo \$º$ Amnë`m ImVoXmam§gmR>r CnbãY H$aÊ`mV Ambo Amho.

Amnë`m ~±Ho$Zo Platinum Card gwé Ho$bo AgyZ Ë`mMo \$m`Xo ImVoXmam§Zm {_iV

AmhoV Ogo H$s X¡Z§{XZ amoI aH$_ H$mT>Ê`mMr _`m©Xm é. 40000/-, BÝewaÝg 2

bmImMm VgoM S>mo_opñQ>H$ d B§Q>aZ°eZb {d_mZVimda _`m©{XV air lounge access \«$s AgVmV.

..... 10 .....


The bank has entered into an agreement with ‘Airpay’ and ‘Atom’ to make internet banking more friendly. Customers can use this service to make online transactions with financial institutions, hotels e.g. Tata Hotels, Ginger Hotels, Savitribai Phule Pune University or Mumbai University. Bank has also started e-mandate standing instruction service for customers. The Bank has a State-of-art datacentre with ISO Certification 27001-2013 and ISO 9001-2018. This data Centre is shared by other Co-operative banks also.Special services introduced in financial year 2017-18:1. Obtaining ISO certification 9001:2008 for the bank’s Accounts Department at its Head Office, Centralised Bank Office Cell, NSDL and Treasury. This has helped improve quality of service the bank offers. 2. In response to the appeal of Hon. Prime Minister to offer doorstep banking facilities under financial inclusion initiative to those deprived of these facilities have been launched. The bank has started Business Correspondent and TAB Banking services. These services were started at the Latur and Pawas branches. The local villagers are enthusiastically taking advantage of these facilities. There is a plan to extend these services in the rural areas of Gadhinglaj, Karad and Sangli. 3. The bank has been authorised by Pune Municipal Corporation to collect municipal taxes in 19 of its branches in Pune. This is considered a valuable recognition by a Public authority. The bank is making efforts to get similar facility to collect municipal taxes in major cities like Mumbai, Kolhapur, Aurangabad, Solapur, Nashik, Ahmednagar. Special facilities to be introduced in financial year 2018-19: 1. Transfer of funds from any ATM to any bank account using debit card.2. Janata Bank is part of the BHIM UPI app. Special facility through the new Jet app3. Payment by any card using Bharat QR code4. Bharat Bill Payment facility using the internet5. Online fee payment at the bank’s branchesAudit :Considering that the Audit is an integral part of the institution the Bank has set up an Internal Audit Department. This Department undertakes the task of complying with the requirements and guidelines of various banking regulatory bodies as well as Reserve Bank of India. Its conducts time bound and consistent audit programmes such as for concurrent, credit, SNAP, stock, IT systems and expenditure audit of other departments in the head office by experienced officers; and presents before the audit committee of the board of directors of the bank a report on compliance of observations received during audit. The bank follows audit closure method which helps the bank to close the gaps in its operations.Statutory Audit for year 2017-18 has been done by M/S Shashank Patki & Asso., M/S Kirtane Pandit, M/S S. D. Medadkar & Asso., and M/S M.M. Chitale. During the year under report Reserve Bank of India conducted the bank’s Inspection for year 2016-17 in December 2017 and the bank has submitted compliance report on this audit to Reserve Bank in the prescribed time limit. The RBI has carried and Inspection for 2017-18 but its report is awaited. SEBI and IRDA respectively audit the insurance and depository business of the bank and the bank submits from time to time the compliance reports of their audits.

B§Q>aZoQ> ~±qH$J A{YH$ gmo`rMo ìhmdo åhUyZ ~±Ho$Zo Airpay and A tom `m§Moer H$ama

Ho$bm Amho. J«mhH$ `m gw{dYm§Mm dmna H$ê$Z {d{dY {μ\$ZmpÝeAb g§ñWm, hm°Q>oëg Ogo

Q>mQ>m hm°Q>oëg, qOOa hm°Q>oëg Am{U gm{dÌr~mB© \w$bo nwUo {dÚmnrR>, _w§~B© {dÚmnrR>

d BVam§~amo~a Am°Z bmB©Z ì`dhma H$ê$ eH$VmV. ~±Ho$Zo E-Mandate Mr gw{dYm

J«mhH$m§À`m godogmR>r Mmby Ho$br Amho.

Amnë`m ~±Ho$Mo ISO 27001:2013 d ISO 9001:2008 à_m{UV Am{U AÚ`mdV Ago

So>Q>m g|Q>a BVa ~±H$m§er eoAa H$aV AgyZ Ë`m_Ü o `mdfu Zì`mZo 2 ~±H$m gh^mJr Pmë`m

AmhoV. ImVoXmam§Zm ñdV…À`m ImË`mMr {e„H$ H$Yrhr H$moR>ohr g_OÊ`mgmR>r {dZm_yë`

Aer Missed Call Alert gw{dYm CnbãY H$ê$Z {Xbr Amho. VgoM J«mhH$m§Zm Ë`m§À`m

ImË`mVrb _m{hVr AÚ`mdV H$aÊ`mgmR>r AmnU àË oH$ ì`dhmamMm SMS nmR>{dVmo.

Am{W©H$ df© 2018-19 _Ü o CnbãY H$ê$Z XoÊ`mV Amboë`m {deof gw{dYm :-

1. ^maV Š`y Ama H$moS> Ûmao H$moUË`mhr H$mS©>Ûmao gd© no_|Q> H$aUo ~m~V.

2. B§Q>aZoQ>Ûmao ^maV {~b no_|Q> `m gw{dYmÛmao no_|Q> H$aUo ~m~V.

3. emIm§gmR>r Am°Z bmB©Z \$s âÊ`mMr gw{dYm CnbãY H$ê$Z XoV AmhmoV.

boImn[ajU :-

boImn[ajU hm H$moUË`mhr ì`dgm`mMm _hËdnyU© Am{U {dÎmr` g§ñWmgmR>r A{d^mÁ`

^mJ Amho. Am{W©H$ àm_w»`mZo ~±qH$J joÌmVrb {dÚ_mZ KS>m_moS>rMm {dMma H$aVm

{d{dY {Z`§ÌH$ Am{U J«mhH$ m§Mo ~±Ho$Mo boIm n[ajU Am{U Ë`mMr nyV©Vm ho _hËdmMo

{ZH$f Pmbo AmhoV. [aPìh© ~±H$ Am°\$ B§{S>`m VgoM ~±Ho$Mo H$m_H$mO {Z`§{ÌV H$aUmao

{d{dY {Z`§ÌH$ `m§Mo doimodoir bmJy hmoUmao {Z`_, _mJ©Xe©H$ VËdo, gyMZm `m§Mo nmbZ

Am{U Ë`m§Mr A§_b~OmdUr `m~m~VMr H$mb~Õ VnmgUrMo H$m_H$mO ~±Ho$À`m

_w»`H$MoarVrb ñdV§Ì "boImn[ajU' {d^mJm _m\©$V Ho$bo OmVo. `m {d^mJm_m\©$V

gd© emIm§Mo H$mb~Õ d gmVË`nyU© H§$H$a§Q>, H«o$S>rQ>, ñZ°n, ñQ>m°H$, {gñQ>r_ B. Am°{S>Q>

Am{U _w»`H$MoarVrb AÝ` {d^mJm§Mo {gñQ>r_ d EŠñn|{S>Ma Am°{S>Q> ho {d^mJmVrb

AZw^dr A{YH$m-`m§Ûmao H$ê$Z H$m_H$mOmVrb ÌyQ>r /{ZarjUo Am{U Ë`mMo nyV©Vm

Ahdmb ho _m.g§MmbH$ _§S>imÀ`m boImn[ajU g{_Vr g_moa doimodoir R>odÊ`mV

òVmV. ~±Ho$_Üò Am°{S>Q> ŠbmoOa Mr H$m`©nÕVr ApñVËdmV AgyZ Ë`m_wio ~±Ho$Mo

H$m_H$mO A{YH$ H$miOrnyd©H$ hmoÊ`mg _XV hmoVo.

gZ 2017-18 `m H$mbmdYrMo d¡Ym{ZH$ boImn[ajU _o. eem§H$ nËH$s A°ÝS> Agmo.,

_o. H$sV©Zo n§{S>V, _o.Eg.S>r. _oS>XH$a A°ÝS> Agmo. Am{U _o.E_.E_.{MVio Am{U

H§$nZr `m§MoÛmao nyU© H$aÊ`mV Ambo Amho. VgoM `m Ahdmb dfm©V _mho {S>g|~a 2017

_ÜòM [aPìh© ~±H$ Am°\$ B§{S>`m `m§Mo H$Sy>Z gZ 16-17 `m H$mbmdYrgmR>r ~±Ho$Mr

VnmgUr H$aÊ`mV Ambr AgyZ Ë`mdoir gmXa Ho$boë`m boImnarjUmMm nyV©Vm Ahdmb

hm {Z`mo{OV doioV [aPìh© ~±Ho$g gmXa Ho$bm Amho. Ë`mM à_mUo ~±Ho$_m\©$V godm XoV

Agboë`m Am`w{d©_m Am{U gd©gmYmaU {d_m moOZmMo H$m_H$mO VgoM EZ.Eg.S>r.Eb

`m {d^mJmMo Am°{S>Q> ho "go~r Am{U AmÀmaS>rE' `m g§~§{YV {Z §ÌH$m_m\©$V H$aÊ`mV

oVo Am{U Ë`mMo nyV©Vm Ahdmb ~±H$ doioV gmXa H$arV AgVo.

..... 11 .....

‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$Anti-Money Laundering Cell : The bank has created an Anti-money Laundering Cell to implement the guidelines of Reserve Bank of India to check money laundering and combat financing of terrorist activities. The bank has devised a customer acceptance policy and customer identification procedure after bringing to the notice of the board of directors the guidelines of Reserve Bank of India. In order to make the staff aware of the seriousness of the issue, this subject is included in various training programmes. The bank has developed a special software system which offers latest information on modifications / instructions by Reserve Bank, reports on cash transactions, reports on suspicious transactions, fake notes, reports on banking transactions of non-profit organisations to submit in due time to Financial Intelligence Unit of India. The bank always strives and will strive to follow consciously the guidelines in this matter.Human Resource Development:Technology is changing frequently and in accordance with changes in banking sector. It is extremely important for banks to have skilled staff to address these changes. The bank’s training centre is always active to keep knowledge and skills of the staff up to date.A video conferencing infrastructure that enables head office connect with branches is made live in this financial year. Expert and experienced banking professionals have been appointed to take charge of the training centre. 34 Training Programmes was conducted during the year. 45 senior staff members of the bank underwent training in premier national level institutions such as College of Agricultural Banking (Reserve Bank of India), Indian Banks’ Association, Nafcab, IDRBT, Mahratta Chamber of Commerce and Asochem. The training centre, in its effort to extend the coverage of training, has initiated a system of online training and examinations. The employees receive online the study material about banking. The employees study the material for 15 days and appear for an on-line examination. The system is gaining wider acceptance among employees as 737 employees took the online examination in the year 2017-18.Industrial Relations:Employees are the backbone of any business organisation. The bank’s employees and the employees’ organisation have always demonstrated a positive attitude. Relations between employees and management were friendly and cordial during the year. I take this opportunity to mention my gratitude to the employees and the employees’ organisation. Corporate Governance :The bank’s operations in the year under report are managed and controlled by the 19-member board of directors. The directors follow meticulously the established principles of management and highest standards as apply to banking business and comply with the parameters, rules and directives set by the Reserve Bank of India. The bank has set up four committees of the board of directors as provided in the Multi-State Co-operative Societies Act 2002. They are; Audit and Recovery Committee, Advances and investments Committee, Staff Committee and Executive Committee. Reports about the functioning of these committees are presented to the board of directors from time to time for

A°ÝQ>r ‘Zr bm°ÝS>atJ gob :-[aPìh© ~±H$ Am°\$ B§{S>`mZo A°ÝQ>r _Zr bm°ÊS>[a¨J d H$m°å~°qQ>J \$m`ZmÝgtJ Q>oa[añQ> A°ŠQ>rpìhQ>rO ~m~V nm[aV Ho$boë`m _mJ©Xe©H$ VËdm§Mr n[aUm_H$maH$ A§_b~OmdUr H$aÊ`mgmR>r àm_w»`mZo A°ÝQ>r _Zr bm°ÝS>atJ gobMr

ñWmnZm H$aÊ`mV Ambr Amho. ~±Ho$Zo `m ~m~V doimodoir àgm[aV Ho$bobr _mJ©Xe©H$ VËdo g§MmbH$ _§S>imÀ`m {ZXe©Zmg AmUyZ Ë`mMm A§V^m©d H$ê$Z, g§MmbH$ _§S>imMr nyd© nadmZJrZo AÚ`mdV H$ñQ>_a A°ŠgoßQ>Ýg nm°{bgr d H$ñQ>_a Am`S|>{Q>{\$Ho$eZ àmo{gOa V`ma H$aÊ`mV Ambr Amho. `m {df`m~m~V AgUmao Jm§^r`© Am{U OmUrd gd© godH$m§Zm ìhmdr `m CÔoemZo ~±Ho$À`m àËòH$ godH$ à{ejUdJm©V `m {df`mMm AmdOy©Z A§V^m©d Ho$bm OmVmo. `m gmR>r ~±Ho$Zo {deof g§JUH$ àUmbrMm Adb§~ Ho$bm AgyZ Ë`mV [aPìh© ~±Ho$Mo doimodoir hmoUmao ~Xb/gyMZm `m§Mm A§V^m©d H$ê$Z AÚ`mdV amoI ì`dhmam§Mm Ahdmb, g§e{`V ì`dhmam§Mm Ahdmb, ImoQ>çm ZmoQ>m, Z\$m Z {_i{dU-`m {d{dY g§ñWmÀ`m ~±H$ ì`dhmam§Mo Ahdmb B. V`ma H$ê$Z Vo Ano{jV/{d{hV doir {\$ZmpÝeAb B§Q>o{bOÝg `w{ZQ> - B§{S>`m (F.I.U. India) `m§MoH$So> gmXa Ho$bo OmVmV. `m _mJ©Xe©H$ VËdm§Mo OmUrdnyd©H$ nmbZ H$aÊ`mMm ~±Ho$Mm gX¡d à`ËZ AgVmo d amhrb.

‘mZd g§gmYZ {dH$mg :-~±qH$J joÌm_Üò J«mhH$m§À`m JaOm d Ë`mZwgma V§ÌkmZm_Üò dma§dma d gmVË`nyU© ~Xb hmoV AmhoV. `m hmoUmè`m ~Xbm§Zm gm_moao OmÊ`mgmR>r Am{U godm joÌmVrb Hw$eb, AÚ`mdV _Zwî`~imMo _hËd AZÝ` gmYmaU Amho. ~±Ho$À`m godH$m§Mo kmZ d H$m¡eë` d¥qÕJV d AÚ`mdV R>odUogmR>r ~±Ho$Mo à{ejU H|$Ð Zoh_rM H$m`©aV Amho. à{ejU H|$Ðm_Üò AË`mYw{ZH$ àmoOoŠQ>agh WoQ> _w»` H$Moar d emIm§Zm ÑH$lmì` nÕVrZo OmoS>Umè`m pìhS>rAmo H$m°Ý\$apÝg§JMr §ÌUm m Am{W©H$ dfm©V H$m`m©pÝdV Ho$br Amho. `m à{ejU H|$ÐmÀ`m à_wInXr ~±qH$J joÌmVrb AZw^dr d VÁk A{YH$mè`m§Mr Zo_UyH$ H$aÊ`mV Ambr Amho. ghH$mamMm Iam AW© OmUUm-`m Am{U Ë`mMm Adb§~ H$aUm-`m Amnë`m ~±Ho$Zo, `m à{ejU H|$ÐmÛmao Ho$di ~±Ho$À`mM godH$m§Zm Zmhr Va _hmamï´>mVrb AÝ` ZmJar ghH$mar ~±Ho$Vrb godH$m§Zm à{ejU {Xbo OmVo. Ahdmb dfm©V à{ejU H|$ÐmÛmao Amnë`m ~±Ho$gmR>r 34 à{ejU H$m`©H«$_ Am`mo{OV H$aÊ`mV Ambo hmoVo. `m à{ejU H$m`©H«$_m§gmR>r EHy$U 955 godH$ CnpñWV hmoVo. ~±Ho$À`m 45 d[að> d CƒñVar` A{YH$mè`m§Zm H$m°boO Am°\$ A°J«rH$ëMab ~±qH$J - [aPìh© ~±H$ Am°\$ B§{S>`m, B§{S>`Z ~±Šg Agmo{gEeZ, Z°\$H$~, Am`S>rAma~rQ>r, _amR>m Moå~a Am°\$ H$m°_g©, AgmoMo_ B. amï´>r` nmVirda H$m_ H$aUm-`m à_wI g§ñWm_Üò à{ejU XoÊ`mV Ambo. à{ejU H$m`©H«$_mMr ì`már dmT>{dUogmR>r à{ejU H|$ÐmÛmao Am°ZbmBZ à{ejU d narjm hr A{^Zd nÕVr gwé Ho$br Amho. m_Üò àW_ godH$m§Zm Ë`m§Mo g§JUH$mda ~±qH$J {df`r dmMZ gm{hË` nmR>{dbo OmVo. Ë`mZ§Va 15 {Xdgm§Zr godH$m§Zm Ë`m§Mo emIoV g§JUH$mda Am°ZbmBZ narjm XoVm òVo. Ahdmb dfm©V 737 godH$m§Zr `m Am°ZbmBZ narjoV gh^mJ KoVbm Amho. {Xdg|{Xdg `m narjm nÕVrV godH$m§À`m gh^mJmV g_mYmZH$maH$ dmT> hmoV Amho.

Am¡Úmo{JH$ g§~§Y :- H$moUË`mhr g§ñWoV H$_©Mmar hm Ë`m g§ñWoMm H$Um AgVmo. ~±Ho$À`m ì`dgm` d¥Õr_Üò gd© godH$m§Mm _hËdnyU© gh^mJ Am{U godH$m§Mr g§KQ>Zm `m§Mr H$m`_ gH$mamË_H$ ^y{_H$m am{hbr Amho.`m Ahdmb dfm©V godH$, godH$ g§KQ>Zm Am{U ì`dñWmnZ `m§À`mVrb g§~§Y ho gm¡Xmh©nyU© d ghH$m`m©Mo am{hbo. `m {Z{_ÎmmZo _r Am{U g§MmbH$ _§S>imVrb _mPo gd© ghH$mar ho ~±Ho$Mo gd© godH$ Am{U godH$ g§KQ>Zm `m§Mo Am^ma ì`º$ H$aVmo.

H$m°nm}aoQ> JìhZ©Ýg :-Ahdmb dfm©V ~±Ho$À`m g§MmbH$ _§S>imVrb 19 g§MmbH$m§_m\©$V ì`dgm` ì`dñWmnZ Am{U {Z`§ÌUmMo H$m_H$mO Ho$bo OmV Amho. ho gd© g§MmbH$ ~±qH$J ì`dgm`mVrb àñWm{nV _mJ©Xe©H$ VËdo, H$V©ìò Cƒ {ZVr{Z`_m§Mo nmbZ d {d{dY {Z`§ÌH$ Am{U [aPìh© ~±H$ `m§MoH$Sy>Z doimodoir XoÊ`mV òUmao {ZH$f, {ZX}e Am{U {Z`_mZwgma nyV©Vm H$ê$Z ~±Ho$Mo g§MmbZ H$arV AmhoV. _ëQ>rñQ>oQ> H$mo Am°n gmogm`Q>r A°ŠQ> 2002 AÝdò

..... 12 .....


approval. These committees together held 58 meetings in the year under report whereas the board of directors met 27 times. All these meetings had the requisite quorum as per law and all the directors actively participates in the business transacted in the meetings. Amendments to by-laws:A table of amendments to the by-laws is submitted separately. We hope to get your approval for the same. Social Responsibility:The bank extended financial assistance of Rs. 75,000 to a voluntary charitable organisation during the year 2017-18, which conducted a friendly cricket match between Deccan Gymkhana team and Uri (Kashmir) Team. Awards and honours: As in the past years, the bank achieved many awards in this financial year. The bank’s chief executive officer Mr. Jayant Kakatkar was chosen for the Bharat Gaurav Puraskar of International Friendship Society, New Delhi. The bank’s past chairman Mr. Arvind Khaladkar received Best Chairman award of Banking Frontier, a for prestigious company in the field of banking. The bank received BML Munjal Award 2018 for business excellence through learning and development . The bank received Banko Award for 2018, an award which is given to best bank in the category of co-operative banks with deposits over Rs. 5000 crore. The bank is grateful to organisations for the honour. Thanks At the outset our heartfelt thanks to all you shareholders, depositors, borrowers, customers and well-wishers whose strong, meaningful and selfless support helped the bank achieve progress in its business. We also thank the bank’s legal advisors, architects, panel valuers, contractors and chartered accountants who offered valuable guidance and co-operation from time to time. We thanks the bank’s statutory auditors M/S Shashank Patki & Associates, M/S Kirtane Pandit, M/S M.M. Chitale & Co. and M/S S. D. Medadkar & Associates and their staff. Also thanks to the local bodies such as Gram Panchayats, Municipal Councils and Municipal Corporations who extended support and co-operation when the bank opened news branches in their jurisdiction. Our thanks are due to the Reserve Bank of India and its officials, officials in the office of the central registrar of co-operation as well as the state commissioner for co-operation and the registrar of co-operation, Maharashtra. Thanks also to the countless people and organisations who made valuable contribution to the bank’s success. The board of directors of the bank will remain indebted to all of them for ever.

Sanjay Mukund Lele Chairman

g§MmbH$m§À`m 1) boImn[ajU d dgwbr g{_Vr 2) H$O} d Jw§VdUyH$ g{_Vr 3) godH$ g{_Vr Am{U 4) H$m`©H$mar g{_Vr Aem 4 g{_Ë`m ñWm{nV Ho$ë`m AgyZ `m g{_Ë`m§V©JV hmoUm-`m H$m_H$mOmMo d¥Vm§V ho doimodoir g§MmbH$ _§S>imnwT>o R>odyZ Ë`mg _mÝ`Vm KoVbr OmVo. Ahdmb dfm©V ~±Ho$À`m Cnamoº$ {d{dY g{_Ë`m§À`m EHy$U 58 ñnoeb EpŠPŠ`w{Q>ìh H${_Q>r g^m Pmë`m AgyZ g§MmbH$ _§S>imÀ`m EHy$U 27 g^m Pmë`m AmhoV. `m g^m§Zm H$m`ÚmZwgma Amdí`H$ Aem gd© g§MmbH$m§Mr CnpñWVr

hmoVr Am{U Ë`mV gd© g§MmbH$mMm gH«$s` gh^mJ hmoVm.

nmoQ>{Z`‘mVrb àñVm{dV XwéñË`m :-

XþéñË`m gmo~V ñdV§Ì Vº²$`mÛmao {Xë`m AmhoV. Ë`mg _mÝ`Vm Úmb Aer ImÌr

dmQ>Vo.

gm‘{OH$ CÎmaXm{`Ëd :- Ahdmb df© 2017-18 m H$mbmdYrV ~±Ho$À`m dVrZo EH$m {~JaemgH$s` gm_m{OH$

g§ñWobm é. 75,000/- _mÌMo AW© ghmæ` H$aÊ`mV Ambobo Amho.

nwañH$ma d gÝ‘mZ :-

à{Vdfu à_mUoM `m Am{W©H$ dfm©V XoIrb nwañH$ma àmárÀ`m ~m~VrV ~±Ho$g bjUr`

è bm^bo Amho. B§Q>aZ°eZb \«|$S>{en gmogm`Q>r, Ý`y {X„r `m§Mo dVrZo AVwbZr`

H$m_{JargmR>r XoÊ`mV oUmam maV Jm¡ad nwañH$ma ~±Ho$Mo _w»` H$m`©H$mar A{YH$mar lr.

O`§V H$mH$VH$a m§Zm XoÊ`mV Ambm. VgoM ~±qH$J \«§${Q>à m§MoV\}$ XoÊ`mV oUmam ~oñQ>

MoAa_Z hm nwañH$ma ~±Ho$Mo _mOr AÜ`j lr. AaqdX IiXH$a `m§Zm àmá Pmbobm

Amho. Business Excellence through Learning Development gmR>r ~rE_Eb

_w§Omi A°dm°S©> 2018 hm ~±Ho$g àmá Pmbobm Amho. é.5000 H$moQ>rnojm OmñV R>odr

AgUmè`m ghH$mar ~±H$m§À`m loUr_Üò CËH¥$ï> H$m_{JargmR>r XoÊ`mV oUmam gZ 2018

gmR>rMm "~±H$mo nwañH$ma'hr ~±Ho$g àmá Pmbobm Amho. nwañH$ma {dV[aV H$aUmè`m `m

gd© g§ñWmMo _Z…nyd©H$ Am^ma.

Am^ma :-

gd© àW_ Á`m§À`m AW©nyU©, ^¸$_ Am{U {ZñdmWu nmqR>ã`m_wioM ~±Ho$g EdT>r

ì`mdgm{`H$ àJVr H$aVm Ambr Ë`m AmnU gd© ^mJYmaH$, R>odrXma, H$O©Xma, J«mhH$

Am{U {hVqMVH$m§Mo _Z:nyd©H$ Am^ma ì`º$ H$aVmo. Ahdmb dfm©V ~±Ho$Mo g§MmbZ

H$arV AgVmZm, ~±Ho$Mo AZoH$ {dYmZ g„mJma, Am{H©$Q>oŠQ>, n°Zb darb ìh°ë`yAa,

H$m°ÝQ´>°ŠQ>a, MmQ>©S©> AH$mD$§Q> `m§Mo doimodoir ~hþ_mob ghH$m`© Am{U _mJ©Xe©Zm~Ôb

Am^ma. ~±Ho$Mo d¡Ym{ZH$ boImn[ajU H$aUmao _o. eem§H$ nËH$s A°ÝS> Agmo., _o.

H$sV©Zo n§{S>V, _o.Eg.S>r. _oS>XH$a A°ÝS> Agmo. Am{U _o.E_.E_.{MVio Am{U H§$nZr

`m§Mo Am{U Ë`mÀ`m gd© ghH$m-`m§Mo Am^ma _mZVmo. VgoM `m Am{W©H$ dfm©V ZdrZ

emIm gwé H$aVmZm ghH$m`© H$aUm-`m _hmZJanm{bH$m d Ë`m§Mo A{YH$mar `m§Mo _Z:

nyd©H$ Am^ma. ~±Ho$g doimodoir _mJ©Xe©Z,gyMZm Am{U ghH$m`© H$aUmar [aPìh© ~±H$

Am°\$ B§{S>`m Am{U VoWrb A{YH$mar, _m.H|$Ðr` {Z~§YH$ H$m`m©b` Am{U VoWrb

A{YH$mar VgoM _m. ghH$ma Am`wº$ d {Z~§YH$ _hmamï´> amÁ` Am{U Ë`m§Mo gd©

ghH$mar `m§Mo gd© g§MmbH$ _§S>imÀ`m dVrZo _Z:nyd©H$ Am^ma. `m{edm` BVa AZoH$

ì`º$s Am{U g§ñWm `m§Zr doimodoir Ho$boë`m ~hþ_mob ghH$m`m©~Ôb Am^ma. Cnamoº$

gdmªMo ~±Ho$Mo gd© g§MmbH$ _§S>i gX¡d F$Ur Amho d amhrb.

g§O` _wHw§$X bobo AÜ`j

..... 13 .....


n[a{eï> - A

~±Ho$Mo Zm§d : OZVm ghH$mar ~±H$ {b.,nwUo (_ëQ>rñQ>oQ>> eoS>çþëS> ~±H$)

_w»` H$m`m©b`mMm nÎmm : 1444, ewH«$dma noR>, Wmoabo ~mOramd añVm, nwUo 411002.Zm|XUr H«$_m§H$ d {XZm§H$ : H«$.13184/1949 {XZm§H$ 18.10.1949[aPd© ~±Ho$Mm nadmZm H«$_m§H$ d {X. : `w~rS>r/E_EM/414 {X.17.11.1984_ëQ>rñQ>oQ> a{OñQ´>oeZ H«$_m§H$ : E_EggrEg/grAma/509/2012A{YH$ma joÌ : g§nyU© _hmamï´> amÁ` d JwOamV amÁ`_w»` H$m`m©b`mgh emIm{dñVma : 71 + 2 {dñVm[aV H$jg^mgXËd : {Z`{_V 173966 Zm__mÌ 14375

~±Ho$Mr Am{W©H$ pñWVr{XZm§H$ 31 _mM©, 2018 AIoa

(g§»`m hOmam§V)dgyb ^mJ ^m§S>db : 2160865

amIrd {ZYr : 5970801R>odr : ~MV 15626405 Mmby 3364438 _wXV 66004736 BVa 452871

H$O© : gwa{jV 54062856 Agwa{jV 2991815

Jw§VdUyH$ : {Oëhm _Ü`dVu ghH$mar ~±H$ 230197 _hmamï´> amÁ` ghH$mar ~±H$ 10977 BVa 35382715

Z\$m : 326IoiVo ^m§S>db : 98410444AJ«H«$_ joÌ Q>¸o$dmar : 41.47%Xw~©b KQ>H$ Q>¸o$dmar : 4.56%WH$~mH$s Q>¸o$dmar : 5.23%d¡Ym{ZH$ boImn[ajU dJ© : ‘A’godH$ g§»`m : A{YH$mar 466 BVa 801

..... 14 .....


Janata Sahakari Bank Ltd.,Pune (Multi State Scheduled Bank) Balance Sheet as on 31st March,2018

As on 31st March, 2017

Rs. Ps.

Capital & Liabilities^m§S>db d XoUo

As on31st March,2018Rs. Ps.

SCH

A

B

C

D

E

F

Q

500,00,00,000.00

207,39,58,500.00

651,04,13,495.70

0.00

8472,36,59,798.31

379,11,73,782.23

31,61,666.00

70,00,00,000.00

88,20,076.50

80,75,19,648.25

8,71,89,996.00

70,55,99,479.62

51,633.05

9941,15,48,075.66

325,26,06,386.37

1) Share Capital (^mJ ^m§S>db)

(A) Authorised Share Capital/A{YH¥$V ^mJ^m§S>db

(B) Subscribed & Paid up Share Capital

dgyb Pmbobo ^mJ ^m§S>db

2) Reserve Fund and Other Reserves

{d{Y{d{hV J§JmOir d BVa {ZYr

3) Principal/Subsidiary State Partnership Fund Account/

^mJ ^m§S>db/emgZmMr à_wI AWdm ghmæ`H$mar ^mJrXmar {ZYr

4) Deposit and Other Accounts/R>odr d AÝ` ImVr

5) Borrowings/H$O}

6) Bills for collection being Bills Receivable

(As per contra)/dgwbrgmR>r ñdrH$mabobr {~bo (Xw~oaOr)

7) Securities Rec under Repo A/c (As per contra) / aonmo A§VJ©V amoIo {dH«$s (Xw~oaOr)

8) Branch Adjustment/emIm§VJ©V ImVr OwiUr

9) Unapplied Interest

(As per contra)/Z AmH$mabobo ì`mO (Xw~oaOr)

10) Interest Payable/XoUo ì`mO

11) Other Liabilities/BVa XoUr

12) Profit & Loss Account/Z\$mVmoQ>m ImVo

Total . . ./EHy$U . . .

CONTINGENT LIABILITIES/g§^mì` XoUr

500,00,00,000.00

216,08,64,600.00

597,08,00,529.98

0.00

8544,84,49,944.68

567,16,74,082.25

32,42,502.00

358,93,82,342.33

0.00

109,93,73,815.00

7,92,44,164.00

50,67,61,151.46

3,26,949.57

10453,01,20,081.27

366,99,99,517.90

Notes on Accounts : Schedule RAs per our report attached

For Shashank Patki & Associates

Chartered AccountantsFRN - 122054W

(Ruta Chitale)Partner

M.No. 111703Statutory Auditors

As per our report attachedFor Kirtane &

Pandit LLP Chartered Accountants

FRN - 105215W/W100057

(S. B. Bhagwat)Partner


As per our report attachedFor S.D.Medadkar &

CompanyChartered Accountants

FRN - 106128W

(S.V. Waikar)Partner

M.No.40590Statutory Auditors

A.M. DeshpandeHOD, Accounts

S. M. KamatDy. General Manager

D. G. KulkarniJt. General Manager

Place: Pune Date : 18/05/2018

For Mukund M. Chitale & Co.


(S. S. Dikshit)Partner


..... 15 .....

‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$Janata Sahakari Bank Ltd.,Pune (Multi State Scheduled Bank)


Rs. Ps.

Property & AssetsqOXJr d òUo

As on31st March,2018Rs. Ps.

SCH

406,84,41,291.69278,64,14,784.85

0.00

3047,58,63,562.980.00

5691,07,78,950.83152,33,15,733.68

31,61,666.00

0.0070,00,00,000.00

123,13,84,894.8135,44,94,642.91

1,06,90,054.0036,51,84,696.9162,24,35,493.9161,45,67,000.0011,00,00,000.00

9941,15,48,075.66

1) Cash & Balances with Banks /amoI d ~±H$m§Vrb {e„H$

2) Balances with other Banks/BVa ~±H$m§Vrb R>odr

3) Money at Call and Short Notice/_mJUr H$aVmM

{_iUmè`m dm Aën Zmo[Q>erZo {_iUmè`m R>odr

4) Investments/Jw§VdUyH$

5) Investment out of the Principal/Subsidiary State Fund/emgZmÀ`m à_wI AWdm ghmæ`H$mar {ZYrVyZ Jw§VdUyH$

6) Advances/H$O}

7) Interest Receivable/òUo ì`mO

8) Bills Reveivables being Bills for Collection (As per contra)/ dgwbrgmR>r nmR>{dbobr {~bo (Xw~oaOr)

9) Branch Adjustment/emIm§VJ©V ImVr OwiUr

10) Securities sold under Repo A/c. / aonmo A§VJ©V H$O}

11) Premises/OmJm d B_maV

12) A)Dead Stock, Furniture, Fixture, Fittings, Library, Vehicles, Deffered Revenue & Improvement to Premises/A) S>oS> ñQ>m°H$

\${Z©Ma,{\$ŠMa {\$qQ>J,dmhZ, bm`~«ar,S>r\$S>© aoìhoÝ`y Am{U OmJoMr gwYmaUm

B) Capital Work in Progress/Mmby ^m§S>dbr IM©

13) Other Assets/BVa òUr

14) Deferred Tax Asset/{S>\$S>© Q>°Šg A°goQ>

15) Cost of acquisition of Merged Bank/ {d{bZrH¥$V ~±Ho$Mo IaoXr _yë`

Total . . ./EHy$U . . .

GH

I

J

K

LMN

O

P

31 _mM©,2018 AIoaMm Vmio~§X

V.P. Bhave S.R. Pandit J. L. Kadam S.M. Lele (Vice-Chairman) (Chairman)

J.K. Kakatkar(C.E.O.)

:: Directors ::

419,62,47,802.99201,52,89,171.19

0.00

3334,97,05,877.300.00

5705,46,71,378.70177,72,81,805.31

32,42,502.00

21,865.69358,93,82,342.33119,31,94,671.8134,22,26,685.94

2,07,27,204.8736,29,53,890.8155,95,11,773.1434,61,17,000.00

8,25,00,000.00

10453,01,20,081.27

..... 16 .....


PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31st March,2018

2016 - 2017 Rs. Ps.

ParticularsVnerb

2017 - 2018 Rs. Ps. Rs. Ps.

616,40,33,167.334,23,81,181.46

10,18,08,856.00630,82,23,204.79

81,75,14,523.78

6,96,748.005,48,320.21

0.0012,45,068.21

20,01,49,257.11

1,62,24,915.1968,56,857.00

3,33,84,557.02

11,66,65,492.002,00,26,399.00

13,66,91,891.007,29,04,109.63

68,91,027.50

3,30,84,603.0014,78,67,634.26

29,13,669.128,24,54,674.00

24,98,826.25

2,67,008.8027,00,000.00

27,17,86,415.43

787,18,71,826.66

1) Interest on/ì`mO

A) Deposit/R>odtdarb

B) Borrowings/H$Om©darb

C) Borrowings Under LTD/XrK© _wXVrÀ`m R>odr§darb

2) Staff Cost/godH$m§Mo nJma, ^Îmo, àm°.\§$S> dJ©Ur,

J«°À`wB©Q>r,gmZwJ«h AZwXmZ,àdmg IM© BË`mXr

3) Directors Expenses/g§MmbH$ _§S>i IM©

- Fees, Allowances/ewëH$ d ^Îmm - Meeting/Travelling Expenses/g^m d àdmg IM©

- Election Expenses/{ZdS>UyH$ IM©

4) Rent,Rates,Light,Taxes & Insurance/ ^mS>o H$a-{Xdm~Îmr d {d_m

5) Legal & Court Expenses/dH$sb d H$moQ>© ewëH$

6) Audit Fees/Am°{S>Q> \$s

7) Postage,Telephone & Telegraph/ Q>nmb,Vma,XyaÜdZr

8) Depreciation/Kgmam

i) On Fixed Assets/ñWmda d O§J_ _mb_Îmodarb

ii) On Revalued Assets/nwZ_w©ë`m§{H$V _mb_Îmodarb

9) Printing, Stationery & Advertisement N>nmB©,ñQ>oeZar d Om{hamV

10) Building Maintainance/B_maV ì`dñWm

11) Other Expenditure/BVa d àmg§{JH$ IM©

A) Security Expenses/gwajm ì`dñWm IM©

B) Sundry Expenses/{H$aH$moi IM©

C) Vehicle Expenses/dmhZ IM©

D) DICGC Premium/S>r.Am`.gr.Or.gr. dJ©Ur

E) MICR Processing Charges/ _m`H$a àmogoqgJ MmO}g

F) Commission Paid/H${_eZ

G) Donation Paid/XoU½`m

Carried forward.../nwT>rb nmZmda...

590,00,52,027.5779,99,21,670.36

48,21,869.0020,19,45,920.69

2,09,50,340.1274,91,989.58

2,81,12,929.27

13,82,58,654.004,15,63,222.66

62,65,770.80

27,46,25,309.84

742,40,09,703.89

569,09,71,630.3210,67,40,985.2510,23,39,412.00

7,98,398.0022,92,464.3017,31,006.70

11,82,32,255.002,00,26,399.00

3,78,57,739.9814,52,19,913.10

31,21,740.608,47,55,470.00

30,67,177.49

5,28,268.6775,000.00

..... 17 .....


2016 - 2017 Rs. Ps.

ParticularsVnerb

2017 - 2018 Rs. Ps. Rs. Ps.

608,63,64,795.36259,87,51,733.58868,51,16,528.94

1,26,63,011.22

0.00

19,13,65,714.13201.00

17,29,180.003,01,04,354.528,30,93,885.39

31,42,542.00

30,94,35,877.04

30,48,31,825.00

32,59,899.00

29,08,37,000.00

960,61,44,141.20

1) Interest on/ì`mO -

A) Loans/H$O}

B) Investments/Jw§VdUyH$

2) Commission/H${_eZ

3) Donations/AZwXmZ d XoU½`m

4) Others/BVa

A) Miscellaneous Income/{H$aH$moi CËnÝZ

B) Transfer Fee/^mJmdarb hñVm§Va ewëH$

C) Dividend on shares/^mJmdarb bm^m§e

D) Locker Rent/go\$ {S>nm°{PQ> ìhm°ëQ> a|Q>

E) Bank Guarantee Commission/ ~±H$ h_r H${_eZ

F) Dividend on Mutual Fund/ å wÀ wAb \§$S>mdarb bm^m§e

5) Profit on sale of Securities/H$O© amoIo {dH«$s Z\$m

6) Profit on sale of Assets/ñWmda {dH«$s Z\$m

7) Deffered Tax Asset/S>r\$S>© Q>°Šg A°goQ>

Carried Forward.../nwT>rb nmZmda . . .

844,52,89,524.23

1,31,84,108.83

0.00

30,42,18,997.91

20,15,96,140.88

1,93,271.17

0.00

896,44,82,043.02

573,94,64,267.71270,58,25,256.52

22,16,65,023.40805.29

1,02,005.003,01,56,500.705,00,22,130.27

22,72,533.25

31 _mM©,2018 df© AIoaMo Z\$mVmoQ>m nÌH$

..... 18 .....


PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31st March,2018

2016 - 2017 Rs. Ps.

ParticularsVnerb

2017 - 2018 Rs. Ps. Rs. Ps.

Brought Forward.../_mJrb nmZmdê$Z . . .12) Loss on Securitisation of Loans to ARC /EAmagrH$S>o {Xboë`m H$O© ImË`mVrb VmoQ>m13) Written off/{ZañV A) Dead Stock/ñWmda d O§J_ _mb_Îmm B) Bad & Doubtful Advances/g§e{`V d ~wS>rV H$O} C) Cost of Acquisition Amortised/{dbrZrH$aUmMr a¸$‘ {ZañV Total (A) to (C) /EHy$U (A) Vo (>H$>) 14) Loss on sale of Assets/ ñWmda d O§J_ _mb_Îmm {dH«$sV Ambobr VyQ>15) Service Tax Paid/godm H$a AXm16) GST Paid/H$a AXm A) CGST/grOrEgQ>r B) SGST/EgOrEgQ>r C) IGST/AmÒrEgQ>r17) Premium on Investments amortised/Jw§VdUwH$snmoQ>r Xe©Zr qH$_Vrnojm OmñV AXm Ho$bobr a¸$_ {ZañV18) Depreciation on Investments/Jw§VdUyH$rdarb Kgmam Amortised / Kgmam {ZañV Others (Transfer Loss / Afs)/AÝ`19) Income Tax - Previous Year/‘mJrb Am`H$a 20) Income Tax - Current Year/Mmby dfm©Vrb Am`H$a 21) Provisions/ VaVwXr A) Bad & Doubtful Debts Reserve/ g§e{`V d ~wS>rV H$O© {ZdmaU {ZYr B) Performing Assets/CËnm{XV H$Om©darb VaVyX C) For Investments Deprecation Resevra/ Jw§VdUyH$ Kgmam {ZYrH$[aVm D) Provision for Restructured Advances/ nwZ~mªYUr Ho$boë`m H$Om©darb VaVyX E) Deferred Tax Assets Reversal/S>r’$S>© Q>°Šg A°goQ> F) Special Reserve As Per Income Tax Act/Am`H$a H$m`ÚmZwgma {ZYr G) Contingency Reserve/AmH$pñ‘H$ {ZYr

Net Profit transferred to Profit and Loss Appropriation A/c./ {Zìdi Z\$m VmoQ>m {d^mJUr ImVr dJ©

Total . . ./EHy$U . . .

742,40,09,703.8935,15,43,737.17

48,88,02,552.1376,862.03

11,79,089.00

3,35,63,636.272,01,38,540.72

1,31,43,323.762,00,99,659.009,70,00,000.00

78,52,43,586.13

38,15,63,650.57

961,63,64,340.67

0.0046,13,02,552.13

2,75,00,000.00

1,59,78,594.601,59,78,595.09

16,06,446.58

0.001,31,43,323.76

23,93,64,571.35

1,94,56,014.7824,79,73,000.00

0.00

26,84,50,000.001,00,00,000.00

0.00

787,18,71,826.660.00

0.001,68,88,924.002,84,72,631.684,53,61,555.68

2,15,875.18

16,97,460.00

0.000.000.00

4,71,65,946.57

0.002,65,11,696.51

0.0041,36,86,012.00

99,74,13,667.15

3,31,71,281.600.00

66,64,000.00

0.001,00,00,000.00

50,00,000.00105,22,48,948.75

36,11,74,273.05

981,99,33,594.40








FRN - 105215W/W100057





FRN - 106128W











..... 19 .....


2016 - 2017 Rs. Ps.

ParticularsVnerb

2017 - 2018 Rs. Ps. Rs. Ps.

Brought Forward.../_mJrb nmZmdê$Z . .

8) Excess provisions written back OmXm VaVyX naV

A) Provision for Income Tax Written Back/Am`H$a VaVyX naV

B) Contingent Provision for Standard Asset WB/ CËnm{XV H$O© {ZYr VaVyX naV

C) Bad & Doubtful Reserves Write Back/g§e{`V d ~wS>rV H$O© {ZYr$naV

D) General Reserve Write Back/

$ gd©gmYmaU {ZYr VaVyX naV

E) Investment Depre.Prov. Written Back/Jw§VdUwH$sdarb Kgmam naV

F) Provision for Restructured Loan Witten Back/

9) Revaluation reserve written back nwZ_w©ë`m§H$Z {ZYr VaVyX naV

i) Towards Depreciation/ Kgmè`mdarb

ii) Towards Sale

Total . . ./EHy$U . . .

896,44,82,043.02

65,18,82,297.65

0.00

961,63,64,340.67

0.00

2,50,24,093.87

62,35,58,203.78

0.00

0.00

33,00,000.00

0.000.00

31 _mM©,2018 df© AIoaMo Z\$mVmoQ>m nÌH$

960,61,44,141.20

0.00

1,34,00,986.97

4,53,62,067.23

11,00,00,000.00

2,50,00,000.00

0.00

19,37,63,054.20

2,00,26,399.000.00

2,00,26,399.00

981,99,33,594.40



:: Directors ::

..... 20 .....


PROFIT & LOSS APPROPRIATION ACCOUNT FOR THE YEAR ENDED 31st March,2018

2016 - 2017 Rs. Ps.

ParticularsVnerb

2017 - 2018Rs. Ps.

Appropriations.../Z’$m {d^mJUr . . .

Subject to Annual General Meeting approval/

dm[f©H$ gd©gmYmaU gôMo ‘§Owar AYrZ

A) Statutory Reserve/{d{Y{d{hV J§JmOir

B) Provision for Contigencies/AmH$pñ_H$ IMm©gmR>r

VaVyX

C) Education Fund/e¡j{UH$ {ZYr

D) Proposed Dividend/g§^mì` bm^m§e

E) Investment Fluctuation Reserve/Jw§VdUyH$

VabVm {ZYr

F) Bad and Doubtful Advances Reserve

g§e{`V ~wSr>V H$O© {ZdmaU {ZYr

Net Profit carried to Balance Sheet/{Zìdi Z’$m

Vmio~§Xmg dJ©....

Total/EHy$U ....

9,02,93,500.00

3,61,17,400.00

36,11,740.00

9,15,00,000.00

1,66,00,000.00

12,30,00,000.00

36,11,22,640.00

51,633.05

36,11,74,273.05

9,53,91,000.00

3,81,56,400.00

38,15,700.00

12,30,00,000.00

6,09,00,000.00

8,00,00,000.00

40,12,63,100.00

3,26,949.57

40,15,90,049.57








FRN - 105215W/W100057





FRN - 106128W











..... 21 .....


2016 - 2017 Rs. Ps.

ParticularsVnerb

Profit Brought Forward.../_mJrb nmZmdê$Z . .

Profit of Last Year.../_mJrb dfuMm Z’$m..

Transfer from Revaluation Reserve.../ nwZ‘w©ë`m§H$Z {ZYr dJ©...

Total . . ./EHy$U . . .

31 _mM©,2018 df© AIoaMo Z’$m {d^mJUr nÌH$

36,11,74,273.05

0.00

0.00

36,11,74,273.05

2017 - 2018Rs. Ps.



:: Directors ::

38,15,63,650.57

0.00

2,00,26,399.00

40,15,90,049.57

..... 22 .....



As on31st March, 2018

Rs. Ps. Rs. Ps.

500,00,00,000.00

500,00,00,000.00

207,39,58,500.00

207,39,58,500.00

207,39,58,500.000.00

0.00

SCHEDULE “A” CAPITAL/(^mJ ^m§S>db)

(A) Authorised Share Capital/ A{YH¥$V ^mJ ^m§S>db

50000000 (previous year 50000000) Shares of Rs.100/- each. 50000000 (_mJrb dfu 50000000)

^mJ àËòH$s énò 100/- à_mUo ^mJm§Mr a¸$_.

(B) Subscribed & Paid up Share Capital dgyb Pmbobo ^mJ ^m§S>db

21608646 (P.Y.20739585) Shares of Rs.100/- each Fully Paid up àËòH$s énòo 100/- à_mUo EHy$U 21608646

(_mJrb dfu 20739585 ^mJ) ^mJm§Mr

aŠH$_ nyU©V: dgyb Pmbobr

Out of above Shares held by/darbn¡H$s

g^mgXm§Zr YmaU Ho$boë`m ^mJm§Mr dgyb aŠH$_

Individuals/ì`pŠVe:

Co-operative Societies `mn¡H$s ghH$mar g§ñWm§Zr YmaU Ho$bobo

State Government `mn¡H$s amÁ` emgZmZo YmaU Ho$bobo

500,00,00,000.00

216,08,64,600.00

500,00,00,000.00

216,08,64,600.00

216,08,64,600.000.00

0.00


Rs. Ps.


..... 23 .....


132,43,21,252.19

53,58,00,000.00

2,59,38,931.00

31,15,000.00

245,30,41,851.78

22,27,39,266.88

5,00,000.00

2,25,000.00

1,76,56,139.85

1,06,93,239.00

12,35,532.00

34,37,25,045.00

70,32,29,711.00

4,22,55,000.00

70,60,30,962.00

10,34,26,863.00

1,64,79,702.00

651,04,13,495.70

SCHEDULE “B’’

RESERVE FUND AND OTHER RESERVES

{d{Y{d{hV J§JmOir d BVa {ZYr

A) Statutory Reserve/{d{Y{d{hV J§JmOir

B) Building Fund/B_maV {ZYr

C) Dividend Equilisation Fund

bm^m§e g_VmobZ {ZYr

D) General Reserve/gd©gmYmaU {ZYr

E) Bad and Doubtful Advances Reserve/

g§e{`V ~wSr>V H$O© {ZdmaU {ZYr

F) Contingent provision for Standard Assets/

CÎm_ H$Om©darb g§^mì` VaVyX

G) Charity Reserve/Y_m©W© {ZYr

H) Co-operative Promotion Reserve/

ghH$ma àMma {ZYr

I) Shareholder Welfare Reserve/

^mJYmaH$ H$ë`mU {ZYr

J) Employee Welfare Reserve /

godH$ H$ë`mU {ZYr

K) Provision for Investments/

Jw§VdUwH$sgmR>r VaVyX

L) Provision for Contigencies/

AmH$pñ_H$ IMm©gmR>r VaVyX

M) Revaluation Reserve/nwZ_w©ë`m§H$Z {ZYr

N) Special Reserve As Per Income Tax Act/

Am`H$a H$m`ÚmZwgma {deof {ZYr

O) Investment Fluctuation Reserve/

Jw§VdUyH$ VabVm {ZYr

P) Provision for Restructured Advances/

nwZ~mªYUr Ho$boë`m H$Om©darb VaVyX

Q) Contingency Reserve Choundeshwari/

AmH$pñ‘H$ {ZYr Mm¢S>oídar

597,08,00,529.98

143,28,47,714.24

53,58,00,000.00

2,37,91,346.34

31,15,000.00

147,89,15,086.76

21,71,71,187.79

5,00,000.00

2,25,000.00

1,76,56,139.85

1,06,93,239.00

24,92,08,532.00

38,18,81,445.00

68,32,03,312.00

5,22,55,000.00

76,69,30,962.00

10,01,26,863.00

1,64,79,702.00

31 _mM©,2018 df© AIoaMm Vmio~§X nÌH$

As on31st March, 2018

Rs. Ps. Rs. Ps.


Rs. Ps.


..... 24 .....



As on31st March,2018

Rs. Ps. Rs. Ps.

5519,46,48,420.93

0.00

1105,39,13,804.00

6624,85,62,224.93

1473,53,35,540.13

0.00

13,70,61,581.48

1487,23,97,121.61

280,39,68,564.41

0.00

10,56,24,489.44

290,95,93,053.85

0.00

69,31,07,397.92

8472,36,59,798.31

SCHEDULE “C’’

DEPOSIT AND OTHER ACCOUNTS/

R>odr d AÝ` ImVr

A) Fixed Deposits/_wXV R>od

1) Individuals/ì`pŠVe:

2) Central Co-op. Banks/_Ü`dVu ghH$mar ~±H$m

3) Other Co-op. Societies/BVa ghH$mar g§ñWm

Total (A). . ./EHy$U (A). . .

B) Savings Deposits/gopìh¨½O R>od




Total (B) . . ./EHy$U (~) . . .

C) Current Account/Mmby R>od




Total (C) . . ./EHy$U (H$) . . .

D) Call Deposits/_mJUr H$aVmM Úmì`m bmJUmè`m

dm/Aën Zmo[Q>erZo Úmì`m bmJUmè`m R>odr

E) Matured Deposits/_wXV g§nboë`m R>odr

Total Deposits/EHy$U R>odr....... 8544,84,49,944.68

5695,90,24,934.91

0.00

904,57,10,649.00

1547,83,29,494.83

0.00

14,80,75,120.78

326,63,75,274.34

0.00

9,80,62,806.91

0.00

0.00


Rs. Ps.


6600,47,35,583.91

1562,64,04,615.61

336,44,38,081.25

0.00

45,28,71,663.91

..... 25 .....


0.00

100,00,00,000.00

0.00

0.00

0.00

279,11,73,782.23

379,11,73,782.23

8,77,40,817.98

3,39,39,739.00

96,17,840.74

2,52,16,408.84

5,75,84,673.06

40,00,00,000.00

9,15,00,000.00

70,55,99,479.62

64,97,49,131.93

64,97,49,131.93

0.00

51,633.05

0.00

51,633.05

SCHEDULE “D’’

BORROWINGS/H$O}

A) From Other Banks/Institutions/BVa ~±H$m,g§ñWm

B) Borrowing Under LTD (Tier-II Capital)

Deposits/XrK© _wXVrÀ`m R>odr§darb H$O}

C) CBLO (Borrowings)/gr~rEbAmo (H$O})

D) Borrowings under REPO/aonmo A§VJ©V (H$O})

E) RBI REPO/Ama~rAm` aonmo

F) Securities sold under REPO / aonmo A§VJ©V amoIo

SCHEDULE “E’’

OTHER LIABILITIES/BVa XoUr

A) Bills Payable/Xo` {~bo

B) Dividend Payable/bm^m§e XoUr

C) Suspense Account /AZm_V

D) Draft Payable/S´>mâQ> XoUo

E) Sundry Payables/AÝ` XoUr

F) Provision for Income Tax/Am`H$a VaVyX

G) Proposed Dividend /g§^mì` bm^m§e

SCHEDULE “F’’

PROFIT & LOSS ACCOUNT / Z\$mVmoQ>m ImVo

Profit as per last Balance Sheet/

_mJrb dfm©Mm Z\$m Vmio~§XmZwgma

Less: Profit Appropriation/Z\$m {d{Z`moJ

Less: Transfer to Statutory Reserve/{dYr{dhrV J§JmOir dJ©

Add: Current Year Profit (After appropriation)/

Mmby dfm©Mm Z\$m ({d{Z`moJmZ§Va)

Less: Loss as per last Balance Sheet/

dOm … ‘mJrb dfm©Mm VmoQ>m Vmio~§XmZwgma

567,16,74,082.25

50,67,61,151.46

3,26,949.57

0.00

146,58,80,000.00

183,64,11,739.92

176,93,82,342.33

60,00,00,000.00

0.00

10,63,10,555.87

2,73,47,192.00

1,30,91,008.52

2,55,67,070.84

11,44,45,324.23

9,70,00,000.00

12,30,00,000.00

51,633.05

0.00

51,633.05

3,26,949.57

0.00

31 _mM©,2018 df© AIoaMm Vmio~§X nÌH$


Rs. Ps. Rs. Ps.


Rs. Ps.


..... 26 .....




Rs. Ps. Rs. Ps.

32,58,91,623.01

349,65,58,906.47

2,40,23,488.10

3,15,03,025.49

2,64,248.62

1,02,00,000.00

18,00,00,000.00

406,84,41,291.69 419,62,47,802.99

58,82,08,922.05

334,91,44,715.95

1,77,19,690.00

5,01,97,296.27

7,77,178.72

1,02,00,000.00

18,00,00,000.00


Rs. Ps.


SCHEDULE “G’’

CASH AND BALANCES WITH BANK/

amoI d ~±H$m§Vrb {e„H$

A) Cash on hand/amoI {e„H$

B) Current Accounts with/Mmby ImVr

I) Reserve Bank of India

[aPìh© ~±H$ Am°\$ B§{S>`m

II) State Bank of India & Associate Banks

ñQ>oQ> ~±H$ Am°\$ B§{S>`m Am{U Agmo{gEQ> ~±H$m

i) State Bank of India

ñQ>oQ> ~±H$ Am°\$ B§{S>`m

III) District Central Co-op. Banks

{Oëhm _Ü`dVu ghH$mar ~±H$m

IV) State Co-operative Banks

amÁ` ghH$mar ~±H$m

C) Fixed Deposits with Banks

_wXV R>odr

i) MSC Bank Ltd.,Mumbai

_hmamï´> amÁ` ghH$mar ~±H$ {b._w§~B©

ii) District Central Co-op. Banks

{Oëhm _Ü`dVu ghH$mar ~±H$m

(Out of this, Deposits of Rs.1300

lakhs (P.Y.Rs.1300 Lakhs)

earmarked for Statutory Reserve)

(darbn¡H$s é$.1300 bmIm§À`m (_mJrb

dfu é.1300 bmI) nmdË`m§Mr

aŠH$_ J§JmOirgmR>r amIyZ R>odbr Amho.)

..... 27 .....


42,10,97,671.850.00

236,53,17,113.00278,64,14,784.85

2660,11,32,812.98

2660,11,32,812.98

0.00

201,52,89,171.19

43,73,89,170.190.00

157,79,00,001.00

2575,23,87,627.30

2575,23,87,627.30

0.00

31 _mM©,2018 df© AIoaMm Vmio~§X$


Rs. Ps. Rs. Ps.


Rs. Ps.


SCHEDULE “H’’

BALANCES WITH OTHER BANKS/ BVa ~±H$m§Vrb R>odr

A) Current Account/Mmby R>od ImË`mV

B) Savings Account/gopìh¨½O R>od ImË`mV

C) Fixed Deposit Account/_wXV R>od ImË`mV

SCHEDULE “I’’ INVESTMENTS/Jw§VdUyH$

A) In Central & State Government Securities at Book value/

H|$Ð d amÁ` emgZmZo C^maboë`m

H$O©amo»`mVrb Jw§VdUyH$ nwñVH$s {H$_VrZwgma

a) SGL/Eg.Or.Eb.

Face Value/Xe©Zr qH$_V Rs.2510,80,50,000/- (P.Y./_mJrb dfu Rs.2585,69,90,000/- ) Market Value/~mOma^mdmZo qH$_V Rs.2525,02,12,526.00 (P.Y./_mJrb dfu Rs.2664,35,81,759.84) (Out of this, Securities of face value of Rs.12500.00 lakhs earmarked for Statutory Reserve) (darbn¡H$s é. 12500.00 bmI Xe©Zr qH$_VrÀ`m

amo»`m§Mr aŠH$_ J§JmOirgmR>r amIyZ R>odbr Amho.)

Market Value C.Y. /~mOma^mdmZo Mmby

dfm©Vrb qH$_V Rs.130,59,65,000/- Market Value P.Y. /~mOma^mdmZo _mJrb

dfm©Vrb qH$_V Rs.119,40,00,000/- Total (A) . . ./EHy$U (A)...

B) In Other Approved Securities at Book Value/BVa {dídñV H$O©amo»`mVrb Jw§VdUyH$

nwñVH$mVrb {H$_VrZwgma

Face Value/Xe©Zr qH$_V Rs.NIL (P.Y./_mJrb dfu Rs.NIL) Market Value/~mOma^mdmZo qH$_V Rs.NIL (P.Y./_mJrb dfu Rs.NIL) Total (B) . . ./EHy$U (~)...

..... 28 .....




Rs. Ps. Rs. Ps.

3334,97,05,877.30

2,82,82,050.001,000.00

24,99,200.00

3,07,82,250.00

633,65,36,000.00633,65,36,000.00

0.001,00,00,000.001,00,00,000.00

122,00,00,000.00

122,00,00,000.00

397,91,30,855.91

2118,08,63,712.676,89,98,473.40

2522,89,93,041.98


Rs. Ps.


C) In Shares/^mJmVrb Jw§VdUyH$

i) Co-op.Institutions/ghH$mar g§ñWm§_Yrb

ii) Maharashtra State Finance Corporation _hmamï´> amÁ` {dÎmr` _hm_§S>i

iii) National Payment Corporation of India Shares / Z°eZb no‘oÝQ> H$m°nm}aoeZ Am°’$ B§.

Total (C) . . ./EHy$U (H$)...

D) Other Investments /AÝ` Jw§VdUyH$

In PSU Bonds/gmd©O{ZH$ joÌmVrb H$O©amoIo$ Total (D)/EHy$U (S>)...

$

E) i) Certificate of Deposit/g{Q>©{\$Ho$Q> Am°\$ {S>nm°PrQ>

ii) Mutual Fund/ å`wÀ`wAb \§$S>

Total (E)/EHy$U (B)...

F) RBI Reverse REPO/Ama~rAm` arìhrg© aonmo$

Total (F)/EHy$U (’$)...

Total (A)(B)(C)(D)(E)(F)/EHy$U (A)(~)(H$)(S>)(B)(’$)...

SCHEDULE “J’’

ADVANCES/H$O}

A) Short Term Loans, Cash Credit, Overdraft & Bills Discounted of which secured against/ Aën_wXV H$O},H°$eHo«$S>rQ>,AmoìhaS´>mâQ> d

{~ëg {S>ñH$mD§$qQ>J `m§n¡H$s

i) Govt. & other approved securities gaH$mar H$O©amoIo d VËg_ VmaUmda

ii) Other Tangible Securities/AÝ` VmaUmda

iii) On Personal Sureties/ {dZmVmaUr Om_rZH$s

Total (A) . . ./EHy$U (A)...

2,82,82,050.001,000.00

24,99,200.00

3,07,82,250.00

376,89,48,500.00376,89,48,500.00

0.007,50,00,000.007,50,00,000.00

0.00

0.00

3047,58,63,562.98

249,11,23,247.85

2270,34,99,392.328,22,50,490.61

2527,68,73,130.78

..... 29 .....


1218,26,40,791.90

225,19,88,606.45

226,79,91,253.20

42,14,209.12

827,38,52,037.55142,19,79,772.00

970,00,46,018.67

613,57,78,652.85

56,60,64,173.08

59,71,51,095.86

8,46,388.00

2042,36,23,092.16150,93,90,321.22

2193,38,59,801.381434,15,75,041.43

133,62,58,168.09

224,99,03,404.73

5691,07,78,950.83

— Due from individuals `mn¡H$s ì`pŠVe: òUo Agbobr

— Overdue advances _wXV g§nyZhr òUo Agbobr

— Bad & Doubtful Advances g§e{`V AWdm ~wSr>V

B) Medium Term Loans/_Ü`_ _wXVrMr H$O}

of which secured against/(`mn¡H$s)




Total (B). . ./EHy$U (~)...



— Bad & Doubtful Advances g§e{`V AWdm ~wS>rV

C) Long Term Loans/XrK© _wXVrMr H$O}

of which secured against/(`mn¡H$s)




Total (C). . ./EHy$U (H$)...



— Bad & Doubtful Advances g§e{`V AWdm ~wS>rV

Total (A) (B) (C)/EHy$U (A) (~) (H$)... 5705,46,71,378.70

1197,92,99,528.25

166,76,19,679.83

166,91,42,615.51

35,68,976.46

1036,90,22,810.36137,42,49,911.92

1174,68,41,698.74

723,54,18,591.15

35,86,38,047.74

93,80,02,208.42

10,28,638.00

1852,92,42,440.22154,85,65,559.76

2007,88,36,637.981351,18,91,998.75

63,32,36,123.94

134,16,80,484.34

31 _mM©,2018 df© AIoaMm Vmio~§X


Rs. Ps. Rs. Ps.


Rs. Ps.


..... 30 .....




Rs. Ps. Rs. Ps.

71,57,96,085.43

0.0080,75,19,648.25

152,33,15,733.68

0.000.00

70,00,00,000.0070,00,00,000.00

16,37,47,026.7742,79,30,000.0082,47,39,395.00

22,854.00141,63,93,567.77

14,55,84,136.9610,937.00

14,55,73,199.961,94,09,074.002,00,26,399.00

18,50,08,672.96123,13,84,894.81

65,10,88,089.4112,25,95,885.98

12,09,686.4777,24,74,288.92

32,13,96,302.57

6,73,074.56

32,07,23,228.019,72,56,418.00

41,79,79,646.01

35,44,94,642.91

67,79,07,990.310.00

109,93,73,815.00

176,93,82,342.3360,00,00,000.00

122,00,00,000.00

59,16,54,172.770.00

82,47,39,395.000.00

141,63,93,567,77

18,50,08,672.960.00

18,50,08,672.961,81,63,824.002,00,26,399.00

22,31,98,895.96

77,24,74,288.928,80,14,255.78

17,70,630.7585,87,17,913.95

41,79,79,646.01

15,56,849.00

41,64,22,797.0110,00,68,431.0051,64,91,228.01


Rs. Ps.


SCHEDULE “K’’ INTEREST RECEIVABLE/òUo ì`mO A) On Investments (of which overdue-NIL) Jw§VdUwH$sdarb (`mn¡H$s _wXV g§nyZhr oUo - H$mhr Zmhr) Bad & Doubtful of Recovery/WH$sV dgwbr Agbobob B) Unapplied Interest (As per contra)/ Z AmH$mabobo ì`mO (Xw~oaOr)

SCHEDULE “L’’ REPO / Reverse REPO Securities (as per contra) A) Securities receivable under Repo (contra) B) Securities receivable under RBI Repo (contra) C) Securities purchased under RBI Rev. Repo (contra) SCHEDULE “M’’ PREMISES/OmJm d B_maV Cost/_yi qH$_V Add : Additions/A{YH$ : dfm©Vrb dmT>rd a¸$_ Add : Increase on account of Revaluation/nwZ_w©ë`m§H$ZmVrb dmT Less : Deletions/dOm : dfm©Vrb dOmdQ> Total Cost... Depreciation/ Kgmam : Less : Accumulated Depreciation/g§{MV Kgmam Less : Depreciation on deleted items {ZañV Ho$boë`m ImË`m§darb g§{MV Kgmam Accumulated Depreciation/g§{MV Kgmam Add : Current Year Depreciation/Mmby dfm©Mm Kgmam : Depreciation on account of Revaluation/nwZ_©wë`m§H$Zmdarb Kgmam > Total Depreciation/EHy$U Kgmam .... Closing Balance/df© AIoarg {e„H$

SCHEDULE “N’’ A) Dead Stock, Furniture, Fixture, Fittings, Library, Vehicles & Improvement to Premises/ A) S>oS> ñQ>m°H$ \${Z©Ma,{\$ŠMa {\$qQ>J, dmhZ,bm`~«ar Am{U OmJoMr gwYmaUm Cost/_yi qH$_V Add : Additions/A{YH$ : dfm©Vrb dmT>rd a¸$_ Less : Deletions/dOm : dfm©Vrb dOmdQ> Total Cost... Depreciation/ Kgmam Accumulated Depreciation upto last year/ _mJrb dfm©n`ªVMm g§{MV Kgmam Less : Depreciation on deleted items/ {ZañV Ho$boë`m ImË`m§darb g§{MV Kgmam Accumulated Depreciation/g§{MV Kgmam Add : Current Year Depreciation/Mmby dfm©Mm Kgmam Total Depreciation/EHy$U Kgmam ....

Total Cost (A)/EHy$U... (A)...

177,72,81,805.31

358,93,82,342.33

119,31,94,671.81

34,22,26,685.94

..... 31 .....


50,56,83,117.80

31,98,915.40

11,35,53,460.7162,24,35,493.91

13,84,72,631.682,84,72,631.68

11,00,00,000.00

262,76,01,779.7512,33,85,007.21

1,59,83,834.00

68,28,770.00

7,82,27,693.41

4,71,77,382.00

35,34,01,920.00

0.00

325,26,06,386.37

SCHEDULE “O’’ OTHER ASSETS/BVa òUr

A) Income Tax Receivable Am`H$a òUo

B) Stock of Printing & Stationery/

N>nmB© ñQ>oeZar {e„H$

C) Other receivables/AÝ` òUr

Total . . ./EHy$U . . .

SCHEDULE “P’’ COST OF ACQUISITION OF MERGED BANK/{d{bZrH¥$V ~±Ho$Mo IaoXr _yë`

Cost of acquisition/IaoXr _yë`

Less: Amortised during the year/Mmby dfm©V

{ZañV Ho$bobo

Total . . ./EHy$U . . .

SCHEDULE “Q’’ CONTINGENT LIABILITIES/ g§^mì` XoUr

A) Guarantees Issued /~±H$ h_r

B) Letters of Credit Issued/boQ>a Am°\$ Ho«$S>rQ>

C) Capital contracts remaining to be executed/ _mÝ` Ho$bobm na§Vw àË`j AXm Z Ho$bobm ^m§S>dbr IM©

D) Amalgamated Bank’s Collection Account/ {dbrZrH¥$V ~±H$m§Mr H$boŠeZ ImVr

E) Amount transferred to RBI under DEAF/ $AZŠboåS R>odtMr a¸$_ [aPìh© ~±Ho$H$S>o dJ©>

F) Contested Service Tax (contra) / godmH$amMo Xmì`mnmoQ>r

A{nbmMr a¸$‘

G) Contested Income Tax (contra)/ Am`H$a àH$aUr A{nbmMr a¸$‘

H) Contested TDS Default/Q>rS>rEg S>r’$m°ëQ>

55,95,11,773.14

8,25,00,000.00

366,99,99,517.90

44,34,32,617.61

41,40,401.50

11,19,38,754.03

11,00,00,000.002,75,00,000.00

300,21,95,796.758,32,98,702.021,47,37,872.13

68,28,770.00

9,07,29,567.00

8,05,41,970.00

37,95,50,630.00

1,21,16,210.00

31 _mM©,2018 df© AIoaMm Vmio~§X


Rs. Ps. Rs. Ps.


Rs. Ps.


..... 32 .....


CASH FLOW STATEMENT (Rs.in lakhs)

2017-18

3815.64

1382.594613.033515.44

0.00201.38

0.00(3663.38)

(55.68)(1.16)

2684.500.00

275.002479.73(33.00)

1171.000.00

100.000.00

16485.09

7247.90(46945.29)(48977.37)

30500.00(3578.50)

130.83385.37520.85

(44231.12)

(980.51)3.290.00

(977.22)

869.06(936.48)

46716.7446649.32

1440.9842993.3944434.37

Particulars A) Cash Flow From Operating Activities Net Proft as per Profit & Loss AccountAdd Adjustment For Depreciation on assets Bad Debts Written Off Loss on Securitisation of Assets to ARC Assets written off Amortisation on Investments General Reserve Written Back Provision for BDDR(Net) Provision For Standard Assets (Net) Profit/Loss on sale of assets (Net) Reversal of Deferred Tax Asset Depreciation on Investments Amortisation of cost of merger Provision for Investment Provision for Diminution in value of Restructural Loan Provision for Income Tax Provision For Contigencies Special Reserve Education FundTotal Adjustment For Increase/(Decrease) in Deposits Increase/(Decrease) in Loans & Advances Increase/(Decrease) in Investments Proceeds from ARC Income Tax Paid Increase/(Decrease) in Funds Increase/(Decrease) in Other Assets Increase/(Decrease) in Other Liabilities Net Cash generated from Operating Activities (A)B) Cash Flow From Investing Activities Purchase of Fixed Assets Sale proceeds of Fixed Assets Cost of acquisition of Merged Bank Net Cash generated from Investing Activities (B)C) Cash Flow From Financing Activity Increase/(Decrease) in Share Capital Payment of Dividend Increase/Decrease in Borrowings Net Cash generated from financing activities (C) Net increase/decrease in cash & cash equivalents (A+B+C) Cash & cash equivalents at the beginning of the year Cash & cash equivalents at the end of the year

2016-17

3611.74

1166.66168.89

0.00284.72471.65

(1100.00)9520.52

197.70(30.44)

(2908.37)265.11

0.00(250.00)

66.644136.86

50.00100.00(64.97)

15686.71

79403.60(56605.10)(17578.33)

0.00(4786.86)

687.87(903.15)

(1051.98)14852.76

(1786.77)35.93

(1384.72)(3135.56)

2513.16(1726.13)(7794.38)(7007.35)

4709.8538283.5442993.39

..... 33 .....

‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$amoIVm àdmhmMo {ddaU> (ê$nò bmImV)

2017-18

3815.64

1382.594613.033515.44

0.00201.38

0.00(3663.38)

(55.68)(1.16)

2684.500.00

275.002479.73(33.00)1171.00

0.00100.00

0.0016485.09

7247.90(46945.29)(48977.37)

30500.00(3578.50)

130.83385.37520.85

(44231.12)

(980.51)3.290.00

(977.22)

869.06(936.48)46716.7446649.321440.98

42993.3944434.37

Vnerb A) ì`mdgm{`H$ CbmT>mbrVyZ V`ma Pmbobr amoI> Z\$m VmoQ>m ImË`mZwgmaMm {Zìdi Z\$m>A{YH$ VaVyXr/VS>OmoS>r (Adjustment For) _mb_Îmodarb Kgmam> g§e{`V d ~wS>rV H$O} {Zb}IrH$aU EAmagrH$S>o ‘mb‘Îmm dJ© H$aVmZm Pmbobm VmoQ>m _mb_ÎmoMo {Zb}IrH$aU Jw§VdUwH$sdarb A{Y^mamMo {Zb}IrH$aU gmYmaU {ZYr naV g§e{`V AWdm ~w{S>V H$OmªgmR>r VaVyX (Zº$) CËnm{XV H$Omªdarb VaVyX (Zº$) _mb_Îmm {dH«$sVyZ {_imbobm Z\$m (Zº$) àb§{~V H$a naV Jw§VdUwH$sdarb Kgmam A‘m°Q>m©ÒoeZ Am°’$ H$m°ñQ> Am°’$ ‘O©a Jw§VdUwH$sMo Kgmè`mgmR>r VaVyX nwZ~mªYUr Ho$boë`m H$Om©darb VaVyX Am`H$amMr VaVyX AmH$pñ‘H$ {ZYr VaVyX {deof {ZYr VaVyX e¡j{UH$ {ZYr EHy$U VaVyXr/VS>OmoS>r (Adjustment For) R>odt_Yrb dmT>/(KQ>) H$Omª_Yrb dmT/(KQ>)> Jw§VdUwH$sVrb dmT>/(KQ>) EAmagrH$Sy>Z {‘imbobr a¸$‘ Am`H$a AXm {ZYt_Yrb dmT>/(KQ>) AÝ` _mb_Îmm§_Yrb dmT>/(KQ>) AÝ` XoÊ`m§_Yrb dmT>/(KQ>) ì`mdgm{`H$ CbmT>mbrVyZ {Z_m©U Pmbobr amoI (A)~) Jw§VdUwH$sVyZ {Z_m©U Pmbobr amoI pñWa _mb_ÎmoMr IaoXr pñWa _mb_ÎmoÀ`m {dH«$sVyZ Ambobr a¸$_ {dbrZrH¥$V ~±Ho$À`m A{YJ«hUmMr a¸$_ Jw§VdUwH$sVyZ {Z_m©U Pmbobr Zº$ amoI (~)H$ ) {dÎm C^maUr à{H«$òVyZ {Z_m©U Pmbobr amoI ^mJ ^m§S>dbmVrb dmT>/(KQ>) bm^m§e AXm {dÎm C^maUr à{H«$òVyZ V`ma Pmbobr Zº$ amoI dmT>/(KQ>) {dÎm C^maUr à{H«$òVyZ {Z_m©U Pmbobr Zº$ amoI(H$)$ dmT>/KQ> (A+~+H$) dfm©a§^r Agboë`m amoI Am{U amoI gÑí` ~m~r dfm©AIoaÀ`m amoI Am{U amoI gÑí` ~m~r

2016-17

3611.74

1166.66168.89

0.00284.72471.65

(1100.00)9520.52

197.70(30.44)

(2908.37)265.11

0.00(250.00)

66.644136.86

50.00100.00

(64.97)156 86.71

79403.60(56605.10)(17578.33)

0.00(4786.86)

687.87(903.15)

(1051.98)14852.76

(1786.77)35.93

(1384.72)(3135.56)

2513.16(1726.13)(7794.38)(7007.35)

4709.8538283.5442993.39

..... 34 .....


A. Significant Accounting Policies1. Basis of AccountingThe financial statements are prepared by following the Going Concern concept on historical cost convention under accrual system of accounting unless otherwise stated. These statements conform with the applicable statutory provisions, Accounting Standards (AS) issued by The Institute of Chartered Accountants of India and generally accepted accounting principles prevalent in the Banking Industry in India and Regulatory norms/guidelines prescribed by Reserve Bank of India and Banking Regulation Act 1949 and Multi-state Cooperative Societies Act 2002.

2. Use of EstimatesPreparation of the financial statements, in conformity with generally accepted accounting principles, requires management to make estimates and assumptions that affect the reported amounts of Assets and Liabilities, Revenues and Expenses and Disclosure of contingent liability at the date of the financial statements. Actual results could differ from those estimates. Management believes that the estimates used in the preparation of the financial statements are prudent and reasonable. Any revision to the accounting estimates is recognised prospectively.

B. Significant Accounting Policies :3. Investments3.1 Categorisation of investment:In accordance with guidelines issued by RBI, the Bank classifies its investment portfolio into the following three categories:i) ‘Held To Maturity’-Securities acquired by the Bank with the

intention to hold till maturity.ii) ‘Held For Trading’ - Securities acquired by the Bank with the

intention to trade.iii) ‘Available For Sale’ - Securities which do not fall within the

above two categories ARC securitites - AFS are classified as ‘Available for Sale’.

3.2 Classification of Investments:For the purpose of disclosure in the Balance Sheet, Investments have been classified under five groups as required under RBI guidelines - Government Securities, Other Approved Securities, Shares, Bonds of PSU and Other Investments.

3.3 Valuation of Investments:i) ‘Held to Maturity’ - These investments are carried at their acquisition cost. Any premium on acquisition is amortised over the balance period to maturity, with a debit to Profit & Loss Account. The book value of security is reduced to the extent of amount amortised during the relevant accounting period.

Janata Sahakari Bank Ltd.,Pune (Multi-State Scheduled Bank)SCHEDULE “R’’ Significant Accounting Policies

Notes to Accounts forming part of the Balance Sheet as at 31st March, 2018 and Profit and Loss Account for the year ended on that date.

OZVm ghH$mar ~±H$ {b., nwUo (_ëQ>rñQ>oQ>> eoS>`wëS> ~±H$)eoS>çwb ""Ama'' - à‘wI {heo~r YmoaUo 31 _mM© 2018 amoOrMm Vmio~§X d Ë`m{Xder g§nboë`m dfm©Mo Z\$mVmoQ>mnÌH$ `m§Mm

A{d^mÁ` ^mJ Agboë`m {Q>nm.

A) à_wI {heo~r YmoaUo1 ) {heo~mMr _ybVËdo~±Ho$Mr Am{W©H$ nÌHo$ hr àdmhr g§ñWm g§H$ënZo A§VJ©V à_m{UV AgUm-`m CËnÞ d IM© nÜXVrà_mUo, IaoXr qH$_V VËdmda d òUo (Accrual) nÜXVrZo (BVaÌ Z_yX Ho$bobo AndmX dJiVm) V`ma Ho$bobr AmhoV Am{U hr {heo~ nÌHo$ H$m`ÚmÀ`m VaVwXtZm AZwgê$Z BpÝñQ>Q>çwQ> Am°\$ MmQ>©S>© AH$m¢Q>§Q²>g Am°\$ B§{S>`mÀ`m {heo~ nÜXVrÀ`m _mZX§S>mà_mUo Am{U gd©gmYmaUnUo ~±qH$J joÌmVrb àM{bV {heo~ nÜXVrbm AZwgéZ AmhoV. VgoM ^maVr` [aPd© ~±H$, ~±qH$J ao½`wboeZ A°ŠQ>, 1949 Am{U ‘ëQ>rñQ>oQ> H$mo.Am°n. gmogm`Q>r A°ŠQ> 2002 À`m AZwgma AmhoV.

2 ) ~±Ho$Mr Am{W©H$ nÌHo$ V`ma H$arV AgVmZm gd©gmYmaUnUo ñdrH¥$V Ho$boë`m {hemo~mÀ`m nÕVr / VÎdo AZwgma AmhoV. `mMm n[aUm_ qOXJr d _mb_Îmm, CËnÞ, IM© VgoM g§^mì` XoUr `mda hmoVmo. Mmby Am{W©H$ dfm©Vrb àË`j AmH$S>odmar A§Xm{OV Ho$boë`m AmH$S>odmarnojm doJir Agy eH$Vo. `m_Üò A§XmOnÌH$ V`ma H$aVmZm H$mhr {R>H$mUr ~Xb Pmbo Va Ë`mMm n[aUm_ _mJrb H$mimgmR>r Z hmoVm nwT>rb H$mimgmR>r hmoVmo. ì`dñWmnZmZo gm§{JVë`mà_mUo ~±Ho$Mr Am{W©H$ H$mJXnÌo `m Am{W©H$ dfm©Vrb YmoaUmZwgma, dmOdr nÕVrZo VgoM ^{dî`H$mimMm A§XmO KoD$Z Ho$bobr AmhoV.

~) R>iH$ AH$mCQ>tJMo YmoaU (bjUr` boIm YmoaUo)3 ) Jw§VdUyH $gaH$mar amo»`m_Yrb Jw§VdUyH$ ì`dhma ho goQ>b_|Q> VmaIobm Zm|X{dbo OmVmV. AÝ` gd© Jw§VdUyH$ ì`dhma ho ì`mnmar VmaIobm (Trade Date) Zm|X{dbo OmVmV.3.1 Jw§VdUwH$sMo {d^mJrH$aU :[aPd© ~±Ho$À`m _mJ©Xe©H$ VËdm§Zwgma ~±Ho$Zo Amnë`m Jw§VdUwH$sMo Imbrb VrZ {d^mJm§Üò dJuH$aU Ho$bo Amho.A) hoëS> Qy> _°À`w[aQ>r : Oo H$O©amoIo Ë`m§Mr _wXV g§non`ªV ~±Ho$À`m Jw§VdUyH$s_

Üò R>odÊ`mMo CÔoemZo IaoXr Ho$bo AmhoV.~) hoëS> \$m°a Q´>oS>tJ : Oo H$O©amoIo ì`mnma H$aÊ`mMo CÔoemZo KoVbo AmhoV.H$) A°ìhobo~b \$m°a gob : Á`m H$O©amo»`m§Mo darb XmoÝhrn¡H$s H$moUË`mhr {d^mJm‘Ü o dJuH$aU

hmoV Zmhr Ago H$O©amoIo "A°ìhobo~b \$m°a gob' `m {d^mJm_Ü o dJuH¥$V Ho$bo OmVmV.3.2 Jw§VdUwH$sMo dJuH$aU :[aPd© ~±Ho$À`m _mJ©Xe©H$ VËdm§Zwgma Vmio~§XmVrb àH$Q>rH$aUmMo Ñï>rZo Jw§VdUwH$sMo - gaH$mar H$O©amoIo, AÝ` _mÝ`VmàmßV H$O©amoIo, g_^mJ, gmd©O{ZH$ CnH«$_m§Mo H$O©amoIo d AÝ` Jw§VdUyH$ Aem nmM g_yhm§‘Ü o dJuH$aU H$aÊ`mV Ambo Amho.3.3 Jw§VdUwH$sMo _yë`m§H$Z :A) hoëS> Qy> _°À`w[aQ>r : `m dJ©dmarVrb Jw§VdUyH$ IaoXr qH$_Vrbm Xe©{dbr OmVo. `m dJ©dmarVrb EImXr Jw§VdUyH$ A{Y_yë`mZo - (Premium) IaoXr Ho$bobr Agë`mg ho A{Y_yë` (Premium) g§~§{YV amo»`mÀ`m _wXVrn`ªVÀ`m H$mbmdYr_Üò Z\$mVmoQ>m ImË`mbm Zmdo Q>mHy$Z g_à_mUm_Üò (Proportionately) {ZañV Ho$bo Amho. g§~§{YV H$O©amo»`mMr nwñVH$s qH$_V A{Y_yë`mÀ`m g_^mJm BVH$s a¸$_ g§~§{YV Am{W©H$ dfm©À`m {hemo~m_Üò H$_r H$aÊ`mV Ambr Amho.

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‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$ii) ‘Held for Trading’ - Each scrip in this category is re-valued at

the market price or fair value and the resultant depreciation net of appreciation in this category is recognized in the profit and loss account. Net Appreciation, if any, is ignored. In case of shares and bonds and other investments, the scrip wise appreciation is ignored.Market value of government securities (excluding treasury bills) is determined on the basis of the prices/YTM published by RBI or the prices/YTM periodically declared by Primary Dealers Association of India (PDAI) jointly with Fixed Income Money Market and Derivatives Association (FIMMDA) for valuation at year-end. In case of unquoted government securities, market price or fair value is determined as per the prices/ YTM published by FIMMDA.

iii) ‘Available for Sale’ - Except securities (SRs) issued by Asset Reconstruction Company (ARC) Trust each Central Govt./Other approved Securities in this category is re-valued at the market price or fair value for each scrip. SRs will be valued at NAV as on the date of Balance Sheet from the second year of the issue. The resultant depreciation in this category is recognized in the profit and loss account. Net Appreciation, if any, is ignored. In case of shares and bonds and other investments, the scrip wise appreciation is ignored. Market value of government securities (excluding treasury bills) is determined on the basis of the price list published by RBI or the prices periodically declared by PDAI jointly with FIMMDA for valuation at year-end. In case of unquoted government securities market price or fair value is determined as per the rates published by FIMMDA.

iv) Broken period interest on debt instruments is treated as a revenue item. Brokerage, commission etc. pertaining to investments paid at the time of acquisition is charged to revenue.

v) Profit in respect of investments sold from ‘HTM’ category is included in Proft on Sale of Investments and equal amount is transferred to Investment Fluctuation Reserve, net of taxes by way of appropriation.

4. Advances4.1 In accordance with the guidelines issued by Reserve

Bank of India, advances are classified as Standard, Sub- standard, Doubtful and Loss assets and required provision is made on such advances as per the norms issued by Reserve Bank of India from time to time.

4.2 Overdue Interest in respect of Non Performing Advances is accounted for as per the directives issued by Reserve Bank of India.

5. Fixed Assets and Depreciation5.1 Premises are stated at historical cost or at revalued

amount, in case of revaluation thereof. The difference between the historical cost and the revalued amount is accounted as “revaluation reserve”. Cost includes cost of purchase and all expenditure incidental thereto. The Bank has policy for Revaluation of Fixed Assets owned by them. According to the policy the revaluation of Fixed Assets could be done only after five years from the date of earlier revaluation date. Proportionate depreciation on account of the revaluation is transferred from Revaluation Reserve to Profit and Loss Appropriation Account every year.

5.2 Other fixed assets are stated at historical cost net of depreciation.

5.3 The cost of fixed assets represents the written down value of the assets as on 1st April, 2003 and the subsequent additions and deletions therefrom.

~) hoëS> \$m°a Q>oS>tJ : `m dJ©dmarVrb àË oH$ Jw§VdUwH$sMo ~mOma^mdmZo AWdm amñV (FairPrice) ^mdmZo nwZ_w©ë`m§H$Z Ho$bo Amho. `m nwZ_w©ë`m§H$Zm_wio qH$_VrV Pmbobr KQ,> g§~§{YV g_yhmVrb Jw§VdUwH$sMo qH$_VrVrb dmT> dOm H$ê$Z {Zìdi KQ> Z\$mVmoQ>m ImVr Zmdo Q>mH$br Amho. {Zìdi dmT> Agë`mg Ë`mMr Zm|X KoVbr OmV Zmhr. eoAa d ~m±S²>g d AÝ` Jw§VdUwH$s¨Mo àH$mam{Zhm` Agbobr qH$_VrVrb dmT> {dMmamV KoÊ`mV Ambobr Zmhr. Q´>oPar {~ëg ì`{V[aº$ gaH$mar H$O©amo»`m§Mo ~mOma^md [aPd© ~±Ho$Zo qH$dm àm`_ar {S>bg© Agmo{gEeZ Am°\$ B§{S>`m (PDAI) qH$dm {\$ŠñS> BÝH$_ _Zr _mH}$Q> A±S> S>oarìhoQ>rìh²O Agmo{gEeZ (FIMMDA) `m§Zr Omhra Ho$boë`m dfm©AIoaÀ`m amo»`m§À`m qH$_Vr AWdm {`ëS> Qy> _°À`w[aQ>r (YTM) da AmYmarV AmhoV.

H$) A°ìhobo~b \$m°a gob : m dJ©dmarVrb {gŠ warQ>r [a{gQ²>g ì`{V[aº$ àË oH$ gaH$mar amo»`m§Mo/AÝ` _mÝ`VmàmßV> amo»`m§Mo ~mOma^mdmZo AWdm amñV XamZo (Fair Price) nwZ_w©ë`m§H$Z H$aÊ`mV Ambo Amho. {gŠ warQ>r [a{gQ²>gMo ‘wë`m§H$Z Vmio~§XmMo VmaIog Agboë`m Zº$ ‘mb‘Îmm ‘yë`mZwgma AXm Ho$boë`m VmaIonmgyZ Xwgè`m dfm©nmgyZ Ho$bo OmB©b. Ë`m_wio H$O©amo»`m§Mo qH$_Vr_Yrb KQ> Z\$mVmoQ>m ImVr Zmdo Q>mH$br Amho. qH$_Vr_Yrb {Zìdi dmT> {dMmamV KoÊ`mV Ambobr Zmhr. eoAa d ~m±S²>g d AÝ` Jw§VdUwH$s¨Mo àH$mam{Zhm` Agbobr qH$_VrVrb dmT> {dMmamV KoÊ`mV Ambobr Zmhr. Q>oPar {~ëg ì`{V[aº$ gaH$mar amo»`m§Mo ~mOma^md [aPd© ~±Ho$Zo qH$dm àm`_ar {S>bg© Agmo{gEeZ Am°\$ B§{S> m (PDAI) qH$dm {\$ŠñS> BÝH$_ _Zr _mH}$Q> A±S> S>oarìhoQ>rìh²O Agmo{gEeZ (FIMMDA) `m§Zr doimodoir d dfm©AIoarg Omhra Ho$boë`m amo»`m§À`m qH$_Vr/{`ëS> Qy> _°À w[aQ>r (YTM) Zwgma Amho. AXa A°àwìS> {gŠ w[aQ>rOMo ~mOma^md FIMMDA Zo Omhra Ho$boë`m ì`mOXa AmboI Am{U ì`mOXa Xwamì`m§da AmYmarV AmhoV.

S>) H$O©amo»`m§À`m ì`mOXo` VmaIm§À`m Xaå`mZMo H$mbmdYrVrb ì`mO (Broken Period Interest) _hgybr CËnÞ åhUyZ {hemo~mV KoVbo AmhoV. Jw§VdUyH$snmoQ>r IMu nS>bobo ~«moH$aoO, H${_eZ B._hgybr ImË`mbm Zmdo Q>mH$bo AmhoV.

B) hoëS> Qy> _°À w[aQ>r (HTM) dJ©dmarVyZ {dH$boë`m Jw§VdUyH$sVyZ {_imbobm Z\$m BÝìhoñQ>_|Q> âbŠÀ wEeZ [aPd© ImVr Z\$m {d^mJUrVyZ O_m Ho$bm OmVmo.

4) H$O}4.1 [aPd© ~±Ho$À`m _mJ©Xe©Z VËdm§Mo AmYrZ amhÿZ H$OmªMo CËV_, Xwæ`_,

g§e{`V d ~w{S>V H$O} Aem àH$mam§_Üò dJuH$aU Ho$bo Amho d Aem H$Omªda [aPd© ~±Ho$Zo doimodoir {Xboë`m _mJ©Xe©H$ VËdm§Zwgma Amdí`H$ VaVyX H$aÊ`mV Ambr Amho.

4.2 [aPd© ~±Ho$À`m _mJ©Xe©H$ VËdm§Zwgma WH$~mH$s ì`mOmMm {hemo~ R>odÊ`mV Ambm Amho.

5) [ñWa _mb_Îmm d Kgmam 5.1 ~±Ho$À`m _mbH$sÀ`m B_maVr `m Ë`m§Mo nwñVH$s qH$_V dm nwZ_w©ë`m§{H$V

qH$_Vrbm Xe©{dë`m AmhoV. nwZ_w©ë`m§H$Zm_wio nwñVH$s qH$_VrV hmoUmam ~Xb hm nwZ_w©ë`m§H$Z {ZYr åhUyZ O_m IM© Ho$bm Amho.

~±Ho$À`m ñd_mbH$sMo ñWmda {_iH$VrMo nwZ_w©ë`m§H$Z H$aÊ`mMo ~±Ho$Mo YmoaU Amho. gXaMo YmoaUmZwgma ñWmda {_iH$VrMo nwZ_w©ë`m§H$Z EH$Xm Ho$ë`mZ§Va nwT>rb nmM dfmªZ§Va H$aVm òB©b. nwZ_w©ë`m§H$Zm_wio Ë`m à_mUmV AmH$mabm OmUmam Kgmam hm à{Vdfu nwZ_©wë`m§H$Z {ZYr_YyZ Z\$m VmoQ>m ImVr dJ© Ho$bm OmVmo.

5.2 AÝ` pñWa _mb_Îmm `m darb _yi qH$_Vr_YyZ Kgmam dOm OmVm AgUmè`m qH$_Vrg Xe©[dë`m AmhoV.

5.3 qOXJr d òUo `mVrb OmJm d B_maVr B. Imbr XmI{dbobr a¸$_ hr {X.1 E{àb 2003 amoOrMm Kgmam dOm OmVm Agbobo _yë` d Ë`mZ§Va Ë`m_Yo nS>bobr â d Ë`mVyZ Pmbobr dOmdQ> Amho.

..... 36 .....


5.4 pñWa _mb_Îmoda Imbrbà_mUo Kgmam AmH$maUr Ho$bobr Amho. A) B‘maV - KQ>Ë`m Kgmam nÕVrZo - 10% XamZo ~) g§JUH$ d g§JUH$ àUmbr - gai nÕVrZo 33.33% XamZo H$) B_maV ZyVZrH$aU - gai nÕVrZo 25% XamZo S>) AÝ` pñWa _mb_Îmm - 1) Aënm w _mb_Îmm - ì`dñWmnZmZo gw{Z{üV Ho$boë`m XamZo gai nÜXVrZo. 1) EAa H§${S>eZa - 15% 2) \°$Šg _{eZ - 20% 3) Zm_\$bH$ - 20% 4) EQ>rE_ _{eÝg - 20% 5) BboŠQ´>rH$b Ho$~ëg - 15% 6) OZaoQ>g© - 15% 2) AÝ` - ì`dñWmnZmZo gw{ZpíMV Ho$boë`m XamZo KQ>Ë`m Kgmam nÜXVrZo.

5.5 n{hë`m d Xwgè`m ghm_mhr_Ü o IaoXr Hoo$boë`m _mb_Îmoda AZwH«$_o nyU© d AÜ`m© XamZo Kgmam AmH$maUr Ho$bobr Amho. _mb_Îmm Xwgè`m ghm_mhr_Ü o {dH$br Agë`mg n{hë`m ghm_mhrMm Kgmam AmH$maÊ`mV Ambobm Amho. _mb_Îmm n{hë`m ghm_mhrV {dH$br Agë`mg Kgmam AmH$maUr Ho$br Zmhr.

6) ‘hgwbr CËnÞ g§H$ënZm CËnÞ IMm©À`m gd©gmYmaU ~m~r `m òUoo nÕVrZo {heo~mV KoVë`m

OmVmV. VgoM ~±H$ J°a§Q>r H${‘eZhr amoI dgwbr nÕVrZwgma {hemo~mV KoVbo Amho. na§Vw [aPìh© ~±Ho$Mo ‘mJ©Xe©H$ VËdmZwgma AZwËnm{XV H$Om©darb ì`mO àË`j dgyb nÕVrZo {heo~mV KoVbo Amho.

7Ÿ) naH$s` MbZ ì`dhmam§À`m Zm|Xr `m gXa ì`dhmamMo {Xder àM{bV

AgUmè`m {d{Z_` XamZwgma H$aÊ`mV Amboë`m AmhoV. Vmio~§XmV Z_yX naH$s` MbZ òUr Am{U XoUr `m§À`m Zm|Xr Vmio~§XmMo {Xder ""\$m°aoZ EŠñM|O {S>bg© Agmo{gEeZ Am°\$ B§{S>`m'' (\o$S>mB©) `m§Mo {ZX}{eV XamZwgma Xe©{dÊ`mV Amë`m AmhoV. gXa òUr d XoUr `m§À`m dfm©AIoarÀ`m nwZ_w©ë`m§H$ZmZwgma {ZîH${f©V hmoUmam Z\$m/VmoQ>m hm Z\$m VmoQ>m ImVr Xe©{dÊ`mV Ambm Amho. naH$s` MbZmVrb g§^mì` XoUr hr dfm©AIoarg ""\$m°aoZ EŠñM|O {S>bg© Agmo{gEeZ Am°\$ B§{S>`m'' (\o$S>mB©) `m§Mo {ZX}{eV XamZwgma Xe©{dÊ`mV Amë`m AmhoV.

8) {dbrZrH¥$V/ñdrH¥$V Ho$boë`m BVa ~±Ho$À`m {hemo~m~m~V: {dbrZrH$aU/ñdrH¥$VrH$aU _§Oya H$aUmè`m àemgH$s` A{YH$mè`m§Zr Or

{Z`_/{hemo~ nÜXVr R>adyZ {Xbobr Amho. Ë`mZwgma qOXJr/XoUr/CËnÞ/IM© m {d{dY ~m~tMo {hemo~ R>odÊ`mV Ambo AmhoV. {dbrZrH¥$V/ñdrH¥$V Ho$boë`m qOXJr/XoUrMr qH$_V [aPd© ~±Ho$À`m _mJ©Xe©H$ gyMZoZwgma nmM dfm©V {ZañV H$amd`mMr Amho.

9) godH$ \$m`Xo1) J«°À wB©Q>r A°ŠÀ w[a`b `m§Mo _wë`m§H$ZmZwgma ~±Ho$Zo {Xbobr dm{f©H$ H$m°ÝQ>rã weZ

ho df© AIoarg IM© åhUyZ XmI{dbo OmVo.2) àm°{ìhS§Q> ’§$S> d AÝ` ’§$S>m§Mo H$m°ÝQ>rã weZ ho ~±Ho$À`m Z\$m VmoQ>m ImVr MmO©

Ho$bo OmVo.

10) {d^mJdma Ahdmb [aPd© ~±Ho$À`m _mJ©Xe©H$ VËdm§Zwgma Imbrbà_mUo {d^mJ {Z{üV

H$aÊ`mV Ambo AmhoV.A) Jw§VdUyH$, Jw§VdUyH$ {dH«$sVyZ Pmbobm Z\$m, ZmUo~mOmamVrb CbmT>mb

`m§Mm g_mdoe H$mofmJma {d^mJmV Ho$bm Amho. A§VJ©V d ~mø {dÎm C^maUrda Úmdo bmJUmao ì`mO, Jw§VdUwH$sdarb Kgmam/_wXV g§non`ªV R>odm`À`m Jw§VdUyH$sdarb A{Y^mamMo {ZañVrH$aU B. ~m~tMm A§V^m©d `m {d^mJmda Pmboë`m IMm©V Ho$bm Amho.

5.4 Depreciation is charged on Fixed Assets as follows:i) Premises on Written Down Value method @ 10%ii) Computers & Software - on Straight Line Method at 33.33%.iii) Improvement to Premises - on Straight Line Method at 25%.iv) Other Fixed Assets : a) On straight line method at the rates mentioned below as

decided by the management. 1) Air Conditioners - 15% 2) Fax Machines - 20% 3) Boards - 20% 4) ATM Machines - 20% 5) Electrical cabling - 15% 6) Generators - 15% b) Others - on Written Down Value Method at the rates

decided by the management.

5.5 Depreciation is charged for full or half year on assets purchased in first half or second half of the year respectively. Depreciation on assets sold is charged for half year in case the asset is sold in the second half of the year and no depreciation is charged in case the asset is sold in the first half of the year.

6. Revenue Recognition Items of income and expenditure are accounted on accrual

basis except for Interest on non-performing assets, which is accounted on cash basis, in pursuance with the extant guidelines issued by the Reserve Bank of India:

7. Foreign Currency Transactions “Transaction Denominated in Foreign Currencies are

accounted for at the rates prevailing on the date of transaction. Foreign Currency asset and liabilities are translated at the Balance Sheet date at the rates notified by Foreign Exchange Dealers Association of India (FEDAI). Profit/Losses resulting from year end revaluations are recognised in the Profit and Loss Account.

Contingent Liabilities denominated in Foreign Currencies are disclosed at closing rate of exchange notified by FEDAI.”

8. Accounting in case of Merger/Takeover of Other Banks Accounting of various items of Assets/Liabilities/Income/

expenses is carried out in the books of the Bank in accordance with the scheme/order of Merger/Takeover sanctioned by the Competent Authorities.

The Cost of Acquisition arising out of Merger/Takeover is amortised over a period of Five Years as per the guidelines issued by RBI.

9. Employee Benefitsi) Annual contribution to Fund for Gratuity are ascertained

on the basis of Actuarial valuation as at year-end is recognised as expenses.

ii) Contrubution to Provident Fund and other funds which in the nature of a defined contribution plan are charged to Profit and Loss Account.

10. Segment Reporting In accordance with the guidelines issued by Reserve Bank

of India, the segments are ascertained as under:i) Treasury includes all investment portfolio, profit/loss on

sale of investments and money market operations. The expenses on this segment consist of interest on external borrowings as well as internal sources and depreciation/amortisation of premium on HTM category investments.

..... 37 .....

‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$~) H$mofmJmar` n[aMmbZmV g_m{dï> ZmhrV Aem ~m~tMm A§V^m©d AÝ`

A{YH$mofr` n[aMmbZmV Ho$bm Amho.

11) ^mS>oH$ama ~±Ho$Zo Á`m OmJm ^mS>oVÎdmda KoVë`m AmhoV Ë`m§Mo ^mS>o Z\$mVmoQ>m ImVr

IMu Q>mHy$Z AXm Ho$bo Amho.

12) Am`H$a gÜ`mÀ`m d àb§{~V H$am§Mm A§V^m©d H$amnmoQ>rÀ`m IMmª_Üò H$aÊ`mV

Ambm Amho. Am`H$a H$m`Xm 1961 Zwgma gÜ`mÀ`m Am`H$amMr _moOUr H$a A{YH$mè`m§H$S>o H$a âUm H$aUo Ano{jV Amho Aem aH$_obm Ho$br Amho. Vmio~§XmMr VmaIobm àM{bV Agboë`m H$a AmH$maUr XamZo _moOUr Ho$boë`m H$anmÌ CËnÞ d {hemo~r `mVrb H$mbmdYrÀ`m \$aH$m_wio Pmbobm à^md àb§{~V H$am_Üò namd{V©V Pmbobm Amho. Á`mdoir ^{dî`H$mim_Üò nwaogo CËnÞ {_iob `mMr dmOdr ImÌr Pmbr Amho d ho CËnÞ àb§{~V H$a _mb_Îmm {ZañV H$aÊ`mgmR>r CnbãY hmoB©b Aer ImÌr Pmë`mdaM àb§{~V H$a _mb_Îmm _mÝ` H$aÊ`mV Ambr Amho.

13) _mb_ÎmoMr Xw~©bVm : H$mhr A§VJ©V d ~mø KQ>H$m§_wio Vmio~§XmVrb _mb_ÎmoMr Xw~©bVm

bjmV òVo. g§M{`V hmoD$Z òUmar _mb_Îmm dgwbr`mo½` aH$_onojm OmñV Agë`mg Vr _mb_Îmm Xw~©b hmoVo. Á`mdoir gXa _mb_Îmm Xw~©b Pmë`mMo bjmV òB©b Ë`mdfuÀ`m Z\$mVmoQ>m ImË`mg Ë`mnmoQ>r VaVyX Ho$br OmVo. Oa dgwbr`mo½` aH$_oV ~Xb Pmbm Am{U Xw~©bVogmR>r `mnyduMr Ho$bobr VaVyX (VmoQ>m) `m§Mm `mo½` Vmo O_mIM© Mmby dfm©V Ho$bm OmVmo.

14) VaVwXr / g§^mì` XoUr : _mJrb H$mimVrb KQ>Zm§da AmYm[aV ~±Ho$Mr XoUr {Z{üV Ho$br OmVmV

d Ë`mAmYmao Am{W©H$ VaVwXr Ho$ë`m OmVmV. gXa {Z{üV Ho$boë`m XoÊ`m§gmR>r Amdí`H$ A§XmO H$éZ Xo` aH$_m§Mr VaVyX Ho$br OmVo. gXa VaVwXr R>a{dVmZm ^{dî`mVrb XoÊ`m§Mr gÜ`mMr qH$_V {dMmamV Z KoVm Vmio~§XmÀ`m VmaIoMr Zo_H$s O~m~Xmar {H$Vr Amho, `mMm A§XmO KoD$Z VaVwXr Ho$ë`m AmhoV. g§^mì` XoÊ`m§Mr _m{hVr XoVmZm _mJrb H$mimVrb KQ>Zm§da AmYm[aV O~m~XmarMm {dMma Ho$bm Agbm Var, ^{dî`mVrb KQ>Zm KS>Vrb AWdm Zmhr `m Jmoï>r ~±Ho$À`m {Z`§ÌUm~mhoa Agë`mZo gXa Am{W©H$ O~m~Xmar H$Yr d {H$Vr aH$_oMr òD$ eH$Vo ho Z¸$s R>a{dVm òV Zmhr. Ë`m_wio gXa g§^mì` XoUr {Z{üV H$aVmZm Ho$di Vmio~§XmÀ`m VmaIoÀ`m n[apñWVrMm {dMma Ho$bm Amho. Am{W©H$ Xe©H$m§_Üò g§^mì` òUr {Z{üV AWdm Z_yX H$aÊ`mV òV ZmhrV.

15) AmH$pñ‘H$ {ZYr ~±Ho$Zo é. 91.48 bmI a¸$‘oÀ`m g§e`rV òUoMr (ghm ‘{hÝ`m§nojm

A{YH$ àb§{~V) VaVwX AmH$pñ‘H$ {ZYr Imbr Ho$br Amho.

16) aonmo Am{U [aìhg© aonmoÀ`m ì`dhmamMo AH$mD§qQ>J ([aPìh© ~±Ho$V Agboë`m {b{¹$S>rQ>r A°S>OoñQ>_|Q> ’°${gbrQ>r (LAF) Mo ì`{V[aŠV)

A) amo»`m§Mr aonmo AWdm [aìhg© aonmo ImVr hmoUmar IaoXr AWdm {dH«$s hr H$mob°Q>amB©ÁS> ~m°amoB§½O/b|qS>J ho [aPìh© ~±Ho$À`m n[anÌH$mZwgma AH$mD§Q> \$m°a hmoVo. aonmo ImVr Agbobr ~mH$s b|S>tJ ImVr dJuH¥$V Ho$br OmVo.

~) [aPìh© ~±Ho$À`m LAF ImVr amo»`m§Mr hmoUmar IaoXr d {dH«$s hr Jw§VdUyH$ ImVr O_m/Zmdo Ho$br OmVo d amo»`m§Mo _wXVnyVuZ§Va Ë`mdarb ì`mOmMr a¸$_ d EŠgn|S>rMa ImVr, AH$mD§$Q> \$m°a Ho$br OmVo.

ii) Other Banking operations include all other operations not covered under Treasury Operations.

11. Leases Operating Leases where the bank’s lessor effectively

retains substantially all the risks and benefits of ownership of the leased term are classified as operating leases. Operating lease payments are recognised as an expense in the statement of profit & loss over the lease term.

12. Income Tax and Deferred Tax Tax expenses comprise of Current and Deferred taxes.

Current Income Tax is measured at the amount expected to be paid to tax authorities as per Income Tax Act,1961. Deferred Tax reflects the impact of timing differences between taxable income and accounting income measured at tax rates applicable on the Balance Sheet date. Deferred Tax Assets are recognised only to the extent that there is reasonable certainty that sufficient future income will be available against which such deferred tax assets can be realised. Current taxes and Deferred Taxes are recognised as per the provisions of Income Tax Act 1961 and Accounting Standards - 22. Accounting for taxes income issued by ICAI.

13. Impairment of Assets The carrying amount of assets is reviewed at each balance

sheet date if there is any indication of impairment based on internal / external factors. An asset is impaired when the carrying amount of the assets exceeds the recoverable amount. An impairment loss is charged to the Profit and Loss Account in the year in which the asset is identified as impaired. An impairment loss recognised in prior accounting periods is reversed if there has been change in the estimate of the recoverable amount.

14. Provisioning and Contingent Liabilities A provision is recognised when the bank has a present

obligation as a result of past event; it is probable that 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 its present value and are determined based on the 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.

Disclosure of a contingent liability is made when there is a possible obligation that arises from past events and the exsistance of which will be confirmed by the occurance or nonoccurance of one or more uncertain future events beyond the control of the bank or a present obligation that arises from past events but it is not probable that an outflow of resources will be required to settle the obligation or a reliable estimate of the amount of the obligation can not be made.

Contingent Assets are neither recognised nor disclosed in the financial statements.

15. Contigency Reserve Bank has acknowledged Doubtful Receivables of Rs.91.48

lakh which have been fully provided for.16. REPO/Reverse REPO Accounting for REPO\Reverse REPO transactions

(transactions other than liquidity adjustment facility (LAF) with the RBI.)

A. The securities sold and purchased under the REPO\Reverse REPO are accounted for as a Collaterised Borrowings\Lending transactions and are accounted for as per RBI circular in this regard.

B. Securities purchased, sold under LAF with RBI are debited/credited to Investment Account and Reversed on maturity of the transactions. Interest paid/earned there on is accounted for as expenditure/revenue.

..... 38 .....


B. DISCLOSURE AS PER RBI GUIDELINES

Sr. Particulars No.

1 Capital To Risk Asset Ratio

2 Capital Adequacy Ratio Tier I Capital

3 Capital Adequacy Ratio Tier II Capital

MOVEMENT OF CRAR

A. Tier I Capital

B. Tier II Capital

C. Risk Weighted Assets

4 VALUES OF INVESTMENTS

A. Govt. Securities (Market Value)

B. Other Trustee Securities (Market Value)

C. Shares (Market Value)

D. Bonds (Market Value)

E. Certificate of Deposit (Market Value)

F. Commercial Paper

G. Mutual Fund (Market Value)

Total Market Value

Total Face Value

Total Book Value

5 Advances Against Shares & Debentures

6 Lending To Sensitive Sectors

A. Real Estate & Construction Business

B. Housing

7 Advances To Directors & Their Relatives,

Companies/Firms in which they are interested

Fund Based : 1. To Directors (Against FDR) 2. To Relatives Of Directors

(Against FDR)

Non Fund Based : 1. To Directors

2. To Relatives Of Directors

AMOUNT31-03-2018

AMOUNT31-03-2017

12.97%

7.29%

5.68%

(Rs.in lakhs)

33226.78

25924.57

455978.49

259653.01

0.00

295.75

39566.74

0.00

0.00

809.39

300324.89

290931.02

297758.64

115.98

70386.39

44769.74

0.00

1.53

0.00

0.00

14.10%

8.72%

5.38%

(Rs.in lakhs)

42283.13

26102.88

485019.67

264552.98

0.00

36.17

64442.35

0.00

0.00

100.00

329131.50

326837.42

333497.06

79.02

61146.35

41685.81

22.36

46.36

0.00

0.00

..... 39 .....


~. [aPìh© ~±Ho$À`m _mJ©Xe©ZmZwgma Amdí`H$ n[a{eï>

12.97%

7.29%

5.68%

(a¸$_ bmIm§V)

33226.78

25924.57

455978.49

259653.01

0.00

295.75

39566.74

0.00

0.00

809.39

300324.89

290931.02

297758.64

115.98

70386.39

44769.74

0.00

1.53

0.00

0.00

A.H«$. Vnerb

1 ^m§S>db n`m©áVm JwUmoÎma

2 ^m§S>db ñVa - 1

3 ^m§S>db ñVa - 2

^m§S>db n`m©áVm JwUmoÎmam_Yrb ~Xb

A) ñVa -1 ^m§S>db

~) ñVa - 2 ^m§S>db

H$) OmoI_rMr _mb_Îmm

4 Jw§VdUyH$ _yë`m§H$Z

A) gaH$mar H$O© amoIo (~mOma _yë`)

~ ) H|$Ð d amÁ` gaH$maZo h_r {Xbobo _mÝ`Vmàmá

H$O©amoIo (~mOma _yë`)

H$) eoAg© (~mOma _yë`)

S> ) ~m°ÊS>g² (~mOma _yë`)

B) {S>nm°{PQ> gQ>u{\$Ho$Q> (~mOma _yë`)

\$) H$_{e©`b nona

J) å`wÀ`wAb \§$S> (~mOma _yë`)

EHy$U (~mOma _yë`)

EHy$U Xe©Zr _yë`

EHy$U nwñVH$s _yë`

5 eoAg© VmaU H$O}

6 g§doXZj_ H$O}

A) [aAb BñQ>oQ> d {~ëS>a nVnwadR>m

~) J¥h H$O©

7 g§MmbH$ d Ë`m§Mo ZmVodmB©H$m§Zm VgoM Vo ñdmañ` Agboë`m

H§$nÝ`m/g§ñWm `m§Zm AXm Ho$bobr H$O©

àË`j H$O© - 1. g§MmbH$ (_wXVR>odr VmaUmda)

2. g§MmbH$m§Mo ZmVodmB©H$ (_wXVR>odr VmaUmda)

AàË`j H$O© - 1. g§MmbH$

2. g§MmbH$m§Mo ZmVodmB©H$

a¸$_31/3/18

14.10%

8.72%

5.38%

(a¸$_ bmIm§V)

42283.13

26102.88

485019.67

264552.98

0.00

36.17

64442.35

0.00

0.00

100.00

329131.50

326837.42

333497.06

79.02

61146.35

41685.81

22.36

46.36

0.00

0.00

a¸$_31/3/17

..... 40 .....


(Rs. in Lakhs)

78.19%

7.64%

51150.46

26620.04

8.99%

4.89%

23255.78

32265.01

510.62

56031.41

4880.95

51150.46

9.30%

0.67%

1.46%

0.39%

1116.11

10.71

8 DEPOSITS

% Of High Cost Deposits To Total Deposits

Average Cost Of Deposit

9 N.P.A.

A. Gross NPAs

B. Net NPAs

% Of Gross NPAs To Total Advances

% Of Net NPAs To Net Advances

10 MOVEMENT IN NPAs

Opening Balance

ADD : New A/c During The Year

Increase in existing A/c

Total

LESS : Closed/Recovered

Closing Balance

11 PROFIT AND LOSS ACCOUNT

A. Interest Income As a Percentage Of Working Funds

B. Non Interest Income As a Percentage Of Working Funds

C. Operating Profit As a Percentage Of Working Funds

D. Return On Assets

E. Business (Deposits+Advances) Per Employee

F. Operating Profit Per Employee

AMOUNT31-03-2018

AMOUNT31-03-2017

(Rs. in Lakhs)

77.53%

6.80%

39488.25

24699.10

6.92%

4.44%

51150.46

22472.32

799.65

74422.43

34934.18

39488.25

8.58%

0.53%

1.47%

0.39%

1124.73

11.40

Sr. Particulars No.

..... 41 .....


(a¸$_ bmIm§V)

78.19%

7.64%

51150.46

26620.04

8.99%

4.89%

23255.78

32265.01

510.62

56031.41

4880.95

51150.46

9.30%

0.67%

1.46%

0.39%

1116.11

10.71

8 R>odr

A{YH$ ì`mOmÀ`m R>odr§Mo EHy$U R>odr§er JwUmoÎma

R>odtMm gamgar ì`mOXa

9 AZwËnm{XV H$O©

A. EHy$U AZwËnm{XV H$O©

~. {Zìdi AZwËnm{XV H$O©

EHy$U H$Om©er AZwËnm{XV H$Om©Mr Q>¸o$dmar

EHy$U H$Om©er {Zìdi AZwËnm{XV H$Om©Mr Q>¸o$dmar

10 AZwËnm{XV H$Om©_Yrb ~Xb

gwédmVrMr ~mH$s

Am{W©H$ dfm©V dmT>bobr ImVr

nyduÀ`m ImË`m§_Yrb dmT>

EHy$U

dOm - dgwbr

AIoaMr {e„H$

11 Z\$m VmoQ>m

A. ì`mO CËnÞmMo IoiË`m {ZYrer à_mU

~. ì`mOXa CËnÞmMo IoiË`m {ZYrer à_mU

H$. T>mo~i Zâ`mMo IoiË`m ^m§S>dbmer à_mU

S>. qOXJrdarb CËnÞmMo à_mU

B©. à{V godH$ ì`dgm`

\$. à{V goodH$ T>mo~i Z\$m

a¸$_31/3/18

(a¸$_ bmIm§V)

77.53%

6.80%

39488.25

24699.10

6.92%

4.44%

51150.46

22472.32

799.65

74422.43

34934.18

39488.25

8.58%

0.53%

1.47%

0.39%

1124.73

11.40

a¸$_31/3/17

A.H«$. Vnerb

..... 42 .....


(Rs. in Lakhs)

9974.14

331.71

0.00

11929.20

13099.90

25029.10

329.79

168.89

24530.42

231.97

30.38

262.35

250.00

12.35

2029.24

332.16

134.01

2227.39

804.49

34.78

37.21

802.06

824.55

0.00

211.33

12 Provisions Made during the year towards

A) NPA

B) Standard Assets

C) Depreciation on Investments

13 MOVEMENT IN PROVISIONS

A. Towards NPA :

Opening Balance

ADD: Additions During The Year

Total

LESS: Closed/Recovered

LESS : Written Off

Closing Balance

B. Towards Depreciation On Investments :

Opening Balance


LESS : Provision no more required (written back)

Closing Balance

C. Standard Assets :

Opening Balance


LESS : Reduction During The Year

Closing Balance

14 DEAF Amount (RBI Cir.No.RBI/2013-14/614 dt.27/5/14)

Opening Balance of amount transferred to DEAF

ADD : Amount transferred to DEAF during the year

LESS : Amount reimbursed by DEAF towards claims

Closing Balance of amount transferred to DEAF

15 Payment of DICGC Insurance Premium paid

16 Penalty imposed by RBI

17 FOREIGN CURRENCY ASSETS & LIABILITIES

NRE Deposit

AMOUNT31-03-2018

AMOUNT31-03-2017

(Rs. in Lakhs)

2393.65

194.56

2479.72

24530.42

3193.65

27724.07

8321.89

4613.03

14789.15

12.35

2479.72

2492.07

0.00

2492.07

2227.24

194.56

250.24

2171.71

802.06

114.32

9.09

907.29

847.55

0.00

213.16

Sr. Particulars No.

..... 43 .....


(a¸$_ é. bmIm§V)

9974.14

331.71

0.00

11929.20

13099.90

25029.10

329.79

168.89

24530.42

231.97

30.38

262.35

250.00

12.35

2029.24

332.16

134.01

2227.39

804.49

34.78

37.21

802.06

824.55

0.00

0.00

211.33

12 Mmby dfm©V Ho$boë`m VaVyXr

A. AZwËnm{XV H$O}

~. XO}Xma H$O}

H$. Jw§VdUwH$sdarb Kgmam

13 VaVwXr_Yrb ~Xb -

A. AZwËnm{XV H$Om©darb -

gwédmVrMr ~mH$s

Zì`mZo dmT> Pmbobr a¸$_

EHy$U

dOm - dgwbr

dOm - {ZañV

AIoaMr {e„H$

~. Jw§VdUwH$sdarb Kgmam -

gwédmVrMr ~mH$s

A{YH$ - Zì`mZo dmT> Pmbobr a¸$_

dOm - Amdí`H$Vm Zgbobr VaVyX naV

AIoaMr ~mH$s

H$. XO}Xma H$O} -

gwédmVrMr ~mH$s

A{YH$ - Am{W©H$ dfm©V Zì`mZo dmT>bobr a¸$_

dOm - Am{W©H$ dfm©V H$_r Pmbobr a¸$_

EHy$U

14 S>r\$ a¸$_ ([aPìh© ~±H$ n[anÌH$ H«$.Ama~rAm`/2013-14

614/{X. 27/05/2014)

gwédmVrMr a¸$_ S>r\$ ImVr dJ©

A{YH$-Am{W©H$ dfm©V S>r\$ ImVr dJ© Ho$bobr a¸$_

dOm-Am{W©H$ dfm©V [aPìh© ~±Ho$H$Sy>Z Šbo_gmR>r {_imbobr a¸$_

EHy$U

15 S>r.Am`.gr.Or.gr. {d_m {à{_`_ a¸$_

16 [aPd© ~±H$ Am°\$ B§{S>`m `m§Zr bmJy Ho$bobm Am{W©H$ X§S>

17 {dXoer MbZmVrb qOXJr _mb_Îmm

EZAmaB© {S>nm°{PQ>

a¸$_31/3/18

(a¸$_ é. bmIm§V)

2393.65

194.56

2479.72

24530.42

3193.65

27724.07

8321.89

4613.03

14789.15

12.35

2479.72

2492.07

0.00

2492.07

2227.39

194.56

250.24

2171.71

802.06

114.32

9.09

907.29

847.55

0.00

0.00

213.16

a¸$_31/3/17

A.H«$. Vnerb

..... 44 .....


18. ADDITIONAL DISCLOSUERS - INVESTMENTS(A) ISSUER COMPOSITION OF NON SLR INVESTMENTS (Rs.in lakhs)

(B) NON PERFORMING NON SLR INVESTMENTS (Rs.in lakhs)

Particulars Amount

16-17 17-18

Opening Balance 0.07 12.07

Additional during the year 12.00 271.65

Less : Provision written back 0.00 0.00

Closing Balance 12.07 283.72

Total provisions held 12.07 283.72

No. Issuer Amount Extent of Extent of Extent of ‘below ‘unrated ‘unlisted investment securities’ securities’ grade’ securities

16-17 17-18 16-17 17-18 16-17 17-18 16-17 17-18

1 PSUs 4128.00 3348.00 0 0 0 0 0 0

2 FIs 12419.31 7019.26 0 0 0 0 0 0

3 Nationalised Banks 18937.33 15656.00 0 0 0 0 0 0

4 Mutual Fund 750.00 100.00 0 0 0 0 0 0

5 Others 27760.01 55023.10 0 0 0 0 0 0

Total 63994.65 81146.36 0 0 0 0 0 0

6 Provision held towards depreciation 12.07 283.72

..... 45 .....


18. A{V[aº$ n[a{eï> (Jw§VdUyyH$)

A) Zm°Z-Eg.Eb.Ama. Jw§VdUwH$sMm Vnerb (é. bmIm§V)

A.H«$. Vnerb a¸$_ H$_r XOm©Mr Jw§VdUyH$ A_mZm§H$sV

Jw§VdUyH$ Z Zm|Xdboë`m J§wVdUwH$s

16-17 17-18 16-17 17-18 16-17 17-18 16-17 18-18

1 npãbH$ goŠQ>a A§S>aQ>oqH$½O² 4128.00 3348.00 0 0 0 0 0 0

2 Am{W©H$ g§ñWm 12419.31 7019.26 0 0 0 0 0 0

3 amï´>r{`H¥$V ~±H$m 18937.33 15656.00 0 0 0 0 0 0

4 å`wÀ`wAb \§$S> 750.00 100.00 0 0 0 0 0 0

5 AÝ` 27760.01 55023.10 0 0 0 0 0 0

EHy$U 63994.65 81146.36 0 0 0 0 0 0

6 VaVyX 12.07 283.72

~) AZwËnm{XV Zm°Z-Eg. Eb. Ama. Jw§VdUyH$ (é. bmIm§V)

Vnerb a¸$_

16-17 17-18

gwédmVrMr ~mH$s 0.07 12.07

Mmby dfm©Vrb O_m a¸$_ 12.00 271.65

darb H$mbmdYrV dOm Pmbobr a¸$_ 0.00 0.00

AIoaMr {e„H$ 12.07 283.72

EHy$U VaVyX 12.07 283.72

..... 46 .....


ParticularsMinimum

outstandingduring the year

Maximum outstanding

during the year

Daily Averageoutstanding during

the year * Balance

16-17 17-18 16-17 17-18 16-17 17-18 16-17 17-18A) Securities Sold Under Repos

2325.86 2660.53 33911.74 39314.26 1731.87 6968.24 27911.74 23693.82

i) A) Govt. Securities 525.86 1160.53 27911.74 33314.26 1413.51 5223.31 27911.74 17693.82 B) RBI-Repo Govt. Sec. 1800.00 1500.00 6000.00 6000.00 318.36 1744.93 0.00 6000.00ii) Corporate Debt Securities 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00i) Securities Purchased under Reverse Repo

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

ii) Corporate Debt Securities 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00B) Securities PurchasedUnder Reverse Repos

195.60 700.00 47750.10 11000.00 6080.62 3004.93 7000.00 12200.00

i) A)Govt. Securities 95.60 0.00 22750.10 0.00 2205.77 0.00 0.00 0.00 B) RBI - Repor Govt. Sec. 100.00 700.00 25000.00 11000.00 3874.85 3004.93 7000.00 12200.00ii) Corporate Debt Securities 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00i) Securities Purchased under Reverse Repo

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

ii) Corporate Debt Securities 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(C) REPOS AND REVERSE REPOS (Rs.in lakhs)

* i) The average has been worked out on the basis of the total No. of days in the year i.e. 365 days. ii) REPO working on Book Value.

* Notes : The average has been worked out on the basis of the total No. of days in the year i.e. 365 days. Government Securities of Face Value of Rs.520 Crore pledged for CBLO operations. Government Securities of Face Value of Rs.20 Crore pledged with Clearing Corporation of India Ltd. towards S.G. Settlement Margin. Government Securities of Face Value of Rs. 10 Crore pledged with Reserve Bank of India for RTGS Intra Day liquidity limit. CBLO working on book value.

E) EXCHANGE TRADED INTEREST RATE FUTURES (IRFs) : The Bank has not undertaken any transaction of the Exchange Traded Interest Rate Futures.

Particulars Minimumoutstanding during the

year

Maximumoutstandingduring the

year

Daily AverageOutstandingduring the

year *

outstandingas on

31st March

16-17 17-18 16-17 17-18 16-17 17-18 2017 2018Borrowing underCBLO 99.96 99.96 29594.71 41053.43 7891.36 11552.13 0.00 18364.12Lending under CBLO 399.86 299.95 11995.73 4099.30 511.61 154.76 0.00 0.00

(D) COLLATERALISED BORROWING & LENDING OBLIGATIONS (CBLO) (Rs.In Lakhs)

..... 47 .....


Vnerbdf©âmVrb {H$_mZ

Xo` a¸$_ df©âmVrb H$_mb

Xo` a¸$_

df©âmVrbX¡Z§{XZ Xo` aH$_oMr

gamgar *eof a¸$_

16-17 17-18 16-17 17-18 16-17 17-18 16-17 17-18

A) aonmoO A§VJ©V {dH$boë`m Jw§VdUyH$

2325.86 2660.53 33911.74 39314.26 1731.87 6968.24 27911.74 23693.82

1) A) gaH$mar amoIo 525.86 1160.53 27911.74 33314.26 1413.51 5223.31 27911.74 17693.82

~) Ama~rAm` aonmo gaH$mar amoIo 1800.00 1500.00 6000.00 6000.00 318.36 1744.93 0.00 6000.00

2) g§`wº$ H$O©amoIo 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1) [aìhg© aonmo A§VJ©V IaoXr Ho$bobo H$O©amoIo 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2) g§`wº$ H$O© amoIo 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

~) [aìhg© aonmoO A§VJ©V IaoXr Ho$bobr Jw§VdUyH$ 195.60 700.00 47750.10 11000.00 6080.62 3004.93 7000.00 12200.00

1) A) gaH$mar amoIo 95.60 0.00 22750.10 0.00 2205.77 0.00 0.00 0.00

~) Ama~rAm` aonmo gaH$mar amoIo 100.00 700.00 25000.00 11000.00 3874.85 3004.93 7000.00 12200.00

2) g§`wº$ H$O©amoIo 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1) [aìhg© aonmo A§VJ©V IaoXr Ho$bobo H$O©amoIo 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2) g§`wº$ H$O© amoIo 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

H$) aonmo Am{U> [aìhg© aonmo (ê$nò bmImV)

* 1) df©âmV EHy$U Pmboë`m ì`dhma{XZm§À`m g§»òZwgma gamgar H$mT>Ê`mV Ambr Amho. 2) aonmoMo dH$sªJ nwñVH$s qH$_Vrà_mUo KoVbo Amho.

Q>rn : * df©âmV EHy$U Pmboë`m ì`dhma{XZm§À`m g§»òZwgma gamgar H$mT>Ê`mV Ambr Amho.* gr~rEbAmo n[aMmbZmgmR>r ê$.520.00 H$moQ>r Xe©Zr qH$_VrMo gaH$mar amoIo VmaU R>odbo AmhoV.* pŠbA[a¨J H$m°nm}aoeZ Am°\$ B§{S>`m `m§MoH$S>o gaH$mar H$O©amoIo d ZmUo~mOma ì`dhmam§Mo g_memoYZmÀ`m gwajm Xwamì`mnmoQ>r ê$.20.00 H$moQ>r Xe©Zr qH$_VrMo gaH$mar

amoIo VmaU R>odbo AmhoV.* AmaQ>rOrEg BÝQ´>m S>o {bpŠdS>rQ>r {b{_Q>gmR>r [aPd© ~±H$ Am°\$ B§{S>`m `m§MoH$S>o ê$.10 H$moQ>r Xe©Zr qH$_VrMo gaH$mar amoI VmaU R>odbo AmhoV.

B) ^m§S>db ~mOmamV ì`mnma hmoUmao ì`mOXa dm`Xo : ^m§S>db ~mOmamV ì`mnma hmoUmè`m ì`mOXa dm`Úm§Mm ì`dhma ~±Ho$Zo Ho$bobm Zmhr.

Vnerb df©âmVrb {H$_mZXo` a¸$_

df©âmVrb H$_mbXo` a¸$_

df©âmVrbX¡Z§{XZ Xo` aH$_oMr

gamgar

{XZm§H$ 31 ‘mM©AIoarb eof a¸$‘

16-17 17-18 16-17 17-18 16-17 17-18 2017 2018

gr~rEbAmo A§VJ©V KoVbobr CMb 99.96 99.96 29594.71 41053.43 7891.36 11552.13 0.00 18364.12

gr~rEbAmo A§VJ©V {Xbobr CMb 399.86 299.95 11995.73 4099.30 511.61 154.76 0.00 0.00

S>) VmaUmda KoVboë`m AWdm {Xboë`m CMbtMo ~§YZ (ê$nò bmImV)

..... 48 .....


C. Notes :

1. Segment Reporting:

Disclosure of Primary Segmentwise reporting as per Accounting Standard 17 is as follows :

Particulars Treasury Other Banking Total Operations Segment Revenue 29097.96 60546.86 89644.82 Segment Cost 22030.43 52890.69 74921.11 Operating Profit/Loss 7067.53 7656.18 14723.71 Less : Extraordinary Items 2479.73 7257.35 9737.08 Net Result 4587.80 398.83 4986.63 Income Tax 1077.34 93.65 1170.99 Net Profit 3510.46 305.17 3815.63 Other Information Segment Assets 396897.68 632842.03 1029739.71 Unallocated Assets 0.00 15561.49 15561.49 Total Assets 396897.68 648403.52 1045301.20 Segment Liabilities 52219.34 971473.22 1023692.55 Unallocated Liabilities 0.00 21608.65 21608.65 Total Liabilities 52219.34 993081.87 1045301.20

Since the Bank caters to the needs of Indian Customers, information regarding Secondary Segment (geographical) is not applicable.

2. Related parties transactions Disclosures required under Accounting Standard 18- Key Management Personnel - Mr.Jayant Kashinath Kakatkar - Chief Executive Officer The details of transactions with Key Management Personnel are not given in view of the R.B.I. Circular dated 29th March,2003.

3. Operating Leases

The Bank has entered in to lease agreements with various parties. The total of future minimum lease payments under non-cancellable operating leases are as follows: i) Not later than one year Rs.11,65,71,958.00 ii) Later than one year but not later than five years Rs.30,86,21,906.00 iii) Later than five years Rs.14,96,73,305.00 iv) Lease Payment recognised in Profit and Loss Account Rs.15,04,97,869.60

(Rs.in lakhs)

..... 49 .....


2) {heo~r _mZX§S> H«$.18 AÝdò Amdí`H$ Agbobo g§~§{YVm§À`m ì`dhmam§Mr _m{hVr

ì`dñWmnZmVrb à_wI A{YH$mar

_w»` H$m`©H$mar A{YH$mar - lr. O`§V H$m{eZmW H$mH$VH$a

[aPd© ~±H$ Am°\$ B§{S>`mÀ`m {X.29.3.2003 À`m n[anÌH$mZwgma _w»` ì`dñWmnZ A{YH$mè`m§À`m ì`dhmam§Mr _m{hVr {Xbobr Zmhr.

3) H$m`m©pÝdV Agbobo ^mS>o H$ama

~±Ho$Zo doJdoJi`m ì`º$ter ^mS>o H$ama Ho$bobo AmhoV. ^mS>oVÎdmdarb XoÊ`m§Mr ^{dî`H$mbrZ nÕVrMr

{dJVdmar Imbrbà_mUo XoV AmhmoV.

A) 1 dfm©n`ªV é. 11,65,71,958.00

~) 1 Vo 5 dfmªn`ªV é. 30,86,21,906.00

H$) 5 dfmªMo nwT>o é. 14,96,73,305.00

S>) Z\$mVmoQ>m ImË`m_Üò ^mS>oH$amamnmoQ>r _mÝ` Ho$bobr XoUr é. 15,04,97,869.60

H$) 1) ì`dgm`{Zhm` _hgyb {d^mJUrMm Vnerb

{heo~r _mZX§S> H«$.17 AÝdò Amdí`H$ Agbobr _m{hVr nwT>rbà_mUo :(ê$nò bmImV)

Vnerb H$mofmJmar` AÝ` ~±qH$J n[aMmbZm EHy$U

_hgyb nmgyZ {_imbobo _hgyb

EHy$U _hgwbr O_m 29097.96 60546.86 89644.82

{d^m{OV IM© 22030.43 52890.69 74921.11

n[aMmbZmnmgyZMm Z\$m/VmoQ>m 7067.53 7656.18 14723.71

dOm : n[aMmbZ ~mø VaVyX 2479.73 7257.35 9737.08

Zº$ Am{W©H$ {ZîH$f© 4587.80 398.83 4986.63

Am`H$a 1077.34 93.65 1170.99

Zº$ Z\$m 3510.46 305.17 3815.63

AÝ` _m{hVr

{d^m{OV qOXJr/_mb_Îmm 396897.68 632842.03 1029739.71

A{d^m{OV qOXJr/_mb_Îmm 0.00 15561.49 15561.49

EHy$U qOXJr/_mb_Îmm 396897.68 648403.52 1045301.20

{d^m{OV XoUr 52219.34 971473.22 1023692.55

A{d^m{OV XoUr 0.00 21608.65 21608.65

EHy$U XoUr 52219.34 993081.87 1045301.20

..... 50 .....


4. Retirement Benefits - Accounting Standard 15 (Revised) (As certified by the Actuary)

(Rs.in lakhs)

SR PARTICULARS Leave Encashment Gratuity

2017-18 2016-17 2017-18 2016-17

i) Discount Rate 7.69% 7.30% 7.69% 7.30%

ii) Expected return on plan assets 8.15% 9.00% 8.15% 8.95%

iii) Changes in present value of obligations (PVO)

PVO at the beginning 1775.24 1790.05 4649.83 4371.69

Interest Cost 120.64 136.46 329.37 334.64

Current Service Cost 144.12 153.35 379.56 370.92

Benefits paid (245.18) (168.61) (275.69) (377.32)

Actuarial (gain)/loss on obligations (83.67) (136.00) (507.67) (50.11)

PVO at the end 1711.14 1775.24 4575.40 4649.83

iv) Changes in fair value of Plan Assets (FVPA)

FVPA at the beginning 1959.61 1961.60 4370.68 4372.33

Expected return on plan assets 320.62 163.71 378.84 375.43

Contributions 0.00 168.61 100.00 280.00

Benefits paid (245.18) (168.61) (275.69) (377.32)

Actuarial gain/(loss on plan assets) (47.70) (23.16) 5.40 (10.93)

FVPA at the end 1987.35 1959.61 4579.23 4370.68

v) Amount recognised in Balance Sheet

Present value of obligations 1711.14 1775.24 4575.40 4649.83

Fair value of Plan assets 1987.35 1959.61 4579.23 4370.68

Assets/(Liability) 276.21 184.37 3.83 0.85

vi) Expenses recognised in Profit & Loss Account

Current service cost 144.12 153.35 379.56 370.92

Interest cost 120.64 136.46 329.37 334.64

Expected return on plan assets (178.15) (163.71) (378.84) (375.44)

Net actuarial (gain)/loss (35.97) (112.85) (513.07) (39.70)

Expenses recognised 50.63 13.24 (182.98) 269.15

..... 51 .....


4) godm{Zd¥Îmr bm^ {hemo~r _mZX§S> H«$.15 (gwYm[aV) ({d_m g§»`m emñÌkm§H$Sy>Z à_m{UV Ho$ë`mZwgma)

H«$. Vnerb aOm {dH«$s J«°À`wB©Q>r

2017-18 2016-17 2017-18 2016-17

1. H$ga Xa 7.69% 7.30% 7.69% 7.30%

2. {Z`mo{OV _mb_Îmodarb Ano{jV naVmdm 8.15% 9.00% 8.15% 8.95%

3. O~m~XmarÀ`m dV©_mZ _yë`mVrb ~Xb

gwê$dmVrbm Agbobo dV©_mZ _yë` 1775.24 1790.05 4649.83 4371.69

ì`mO IM© 120.64 136.46 329.37 334.64

gÜ`mMm godm IM© 144.12 153.35 379.56 370.92

AXm Ho$bobo bm^ (245.18) (168.61) (275.69) (377.32)

O~m~Xmardarb {d_m g§»`m emñÌr` bm^/VmoQ>m (83.67) (136.00) (507.67) (50.11)

AIoaMo dV©_mZ _yë` 1711.14 1775.24 4575.40 4649.83

4. {Z`mo{OV _mb_ÎmoÀ`m dmOdr _yë`mVrb ~Xb

Ama§^rMo dmOdr _yë` 1959.61 1961.60 4370.68 4372.33

{Z`mo{OV _mb_Îmodarb Ano{jV naVmdm 320.62 163.71 378.84 375.43

`moJXmZ 0.0 168.61 100.00 280.00

AXm Ho$bobo bm^ (245.18) (168.61) (275.69) (377.32)

{Z`mo{OV _mb_Îmodarb {d_m g§»`m emñÌr` bm^/VmoQ>m (47.70) (23.16) 5.40 (10.93)

AIoaMo dmOdr _yë` 1987.35 1959.61 4579.23 4370.68

5. Vmio~§Xm_Üò {Z{üV Ho$bobr a¸$_

O~m~XmarMo dV©_mZ _yë` 1711.14 1775.24 4575.40 4649.83

{Z`mo{OV _mb_ÎmoMo dmOdr _yë` 1987.35 1959.61 4579.23 4370.68

_mb_Îmm/(XoUo) 276.21 (184.37) 3.83 0.85

6. Z\$mVmoQ>m ImË`mV Zmdo Q>mH$bobo IM©

gÜ`mMm godm IM© 144.12 153.35 379.56 370.92

ì`mO IM© 120.64 136.46 329.37 334.64

{Z`mo{OV _mb_Îmodarb Ano{jV naVmdm (178.15) (163.71) (378.84) (375.44)

Zº$ {d_m g§»`m emñÌr` bm^/VmoQ>m (35.97) (112.85) (513.07) (39.70)

_mÝ` Ho$bobo IM© 50.63 13.24 (182.98) 269.15

(ê$nò bmImV)

..... 52 .....


5. Deferred Tax Asset (DTA)/Liability (DTL)

Deferred Tax Asset (DTA)/Liability (DTL) is accounted for in respect of timing differences between taxable income

and accounting income, as per Accounting Standard - AS - 22 issued by The Institute of Chartered Accountants of

India. Details of DTA/DTL are as under.

(Rs.in lakhs)

Particulars 2017-18 2016-17

Balance of DTA (Net) as on 1.4.2017 6145.67 3237.30

Add: Asset Recognised during the year 0.00 2908.37

Less: Reversal of Asset during the year 2684.50 0.00

Balance of DTA (Net) as on 31.3.2018 3461.17 6145.67

The major components of Deferred Tax Asset are as under:-

(Rs.in lakhs)

SL. No. Particulars 2017-18 2016-17

1 Deferred Tax Assets

A Provision for Advances and Investments 3104.33 5960.39

B Depreciation on Fixed Assets 537.68 328.90

Sub Total (1) 3642.01 6289.29

Less :

2 Deferred Tax Liabilities

Special Reserve u/s.36(1) (viii) of the Income-tax 180.84 143.62

Act,1961

Net Deferred Tax Asset 3461.17 6145.67

6. The Bank has ascertained that there is no material impairment of any of its assets and as such no provision under

Accounting Standard 28 issued by ICAI is required.

7. Supplier/Service Providers covered under Micro, Small, Medium Enterprises Development Act 2006 have not

furnished the information regarding filing of necessary memorandum with the appropriate authority. Therefore,

information relating to cases of delays in payments to Micro and Small Enterprises or of interest payments due to

delays in such payments, could not be given.

..... 53 .....


5) àb§{~V H$a qOXJr/XoUr

àb§{~V H$a qOXJr Am{U XoUr {ZpíMV H$aVmZm Ë`m BpÝñQ>Q>çyQ> Am°’$ MmQ>©S>© AH$m¡Q>§Q>g² `m§Mo {hemo~ ‘mZX§S> H«$.22 à‘mUo H$anmÌ CËnÞ Am{U {heo~r CËnÞ

`m‘Yrb ""Q>m`q‘J {S>’$aÝg'' åhUyZ Xe©{dÊ`mV Ambo Amho.

(ê$nò bmImV)

Vnerb 2017-18 2016-17

àb§{~V H$a qOXJr {X.1.4.2017 amoOr 6145.67 3237.30

A{YH$ : Zì`mZo dmT> Pmbobr qOXJr 0.00 2908.37

dOm$ : Am{W©H$ dfm©V H$_r Pmbobr qOXJr 2684.50 0.00

àb§{~V H$a qOXJr {X.31.3.2018 amoOr 3461.17 6145.67

àb§{~V H$a qOXJr/XoUrMo _hËdmMo KQ>H$ nwT>rbà_mUo :

(ê$nò bmImV)

A.H«$. Vnerb 2017-18 2016-17

1 àb§{~V H$a qOXJr

A H$O© d Jw§VdUwH$sdarb VaVyX 3104.33 5960.39

~ O§J_ _mb_Îmodarb Kgmam 537.68 328.90

EHy$U (1) 3642.01 6289.29

dOm

2 àb§{~V H$a XoUr

Am`H$a H$m`Xm 1961 Zwgma H$b_ H«$.36(1) {deof {ZYr 180.84 143.62

{Zìdi àb§{~V H$a qOXJr 3461.17 6145.67

6) ~±Ho$À`m qOXJr_Üò H$moUË`mhr àH$mao KQ> AWdm Xmof {Z_m©U Pmbobo ZmhrV. `mMr ehm{Zem ~±Ho$Zo Ho$br AgyZ {hemo~r _mZX§S> H«$_m§H$ 28 Zwgma VaVyX

H$aÊ`mMr Amdí`H$Vm Zmhr.

7) gyú_, bKw, _Ü`_ CÚmoJ {dH$mg H$m`Xm 2006 À`m H$m ©joÌmV oUmè`m nwadR>mXma/godm nwa{dUmè`m§Zr Amdí`H$ Ë`m gj_ àm{YH$mè`m§H$S>o Amdí`H$ Vr _m{hVr d

kmnZo Zm|X{dbobr Zgë`m_wio gyú_ d bKw CÚmoJm§Zm Xo` Agboë`m aH$_m AXm H$aÊ`mg Pmbobm {db§~ qH$dm Ë`mdarb Xo` ì`mO d Vo AXm H$aÊ`mg Pmbobm

{db§~ `mMr _m{hVr XoVm òV Zmhr.

..... 54 .....


8. Disclosures Regarding Restructured Advances

Details of loans subject to restructuring during the year ended 31st March 2018 are as given below:

(Amt. in lakhs)

Sr. Particulars CDR Housing SME Others No. Mechanism Loans Debt restructuring 1 Standard No. of NIL NIL 4 1 Advances Borrowers subject to Amount - - 1455.67 2374.58 restructure outstanding Diminution - - 59.60 0.06 in the fair value

2 Sub No. of NIL NIL NIL NIL Standard Borrowers

Advances Amount - - - - subject to outstanding

restructure Diminution - - - - in the fair value

3 Doubtful No. of NIL NIL NIL NIL Advances Borrowers subject to Amount - - - - restructure outstanding Diminution - - - - in the fair value

4 Total No. of Borrowers NIL NIL 4 1 Amount - - 1455.67 2374.58 outstanding

Diminution - - 59.60 0.06 in the fair value A) This restructured loan constitute about 0.01% of the total advances Rs.570546.71 lakhs as on 31.03.2018. The diminution in the fair value stated above is fully provided.B) There are no pending applications from borrowers for Restructuring of Advances received prior to 31.03.2018.

9. Details of Financial Assets sold during the year to SC/RC for Asset reconstruction

Particulars Amount Rs.F.Y.2017-18 F.Y.2016-17

No. of Accounts 30.00 0.00Aggregate Value (net of provisions) of account sold to SC/RC 35040.44 0.00Aggregate Consideration Additional consideration realized in respect of account

31525.00 0.00

Transferred in earlier year 0.00 0.00Aggregate gain/loss over net book value 3515.44 0.00

..... 55 .....


8. nwZ~mªYUr Ho$boë`m H$Om©g§~§Yr Xe©H$

nwZ~mªYUr Ho$boë`m H$Om©Mm {XZm§H$ 31.3.2018 AIoarb Vnerb nwT>rbà_mUo :

(ê$nò bmImV)

A. Vnerb grS>rAma J¥hH$O© gyú_,_Ü`_ AÝ`

H«$. _oH°${ZP_ bKw CÚmoJ H$O}

1 CÎm_ H$O} H$O©Xma g§»`m {Za§H$ {Za§H$ 4 1

òUo~mH$s - - 1455.67 2374.58

_m\$H$ _yë`mV KQ> - - 59.60 0.06

2 Xwæ`_ H$O} H$O©Xma g§»`m {Za§H$ {Za§H$ {Za§H$ {Za§H$

òUo~mH$s - - - -

_m\$H$ _yë`mV KQ> - - - -

3 g§e{`V H$O} H$O©Xma g§»`m {Za§H$ {Za§H$ {Za§H$ {Za§H$

òUo~mH$s - - - -

_m\$H$ _yë`mV KQ> - - - -

4 EHy$U H$O©Xma g§»`m {Za§H$ {Za§H$ 4 1

òUo~mH$s - - 1455.67 2374.58

_m\$H$ _yë`mV KQ> - - 59.60 0.06

A) hr nwZ~mªYUr Ho$bobr {XZm§H$ 31.3.2018 Mr H$O} EHy$U H$O© a¸$‘ é.570546.71 bmImÀ`m 0.01 Q>¸o$ BVH$s AmhoV. Cnamoº$ _m\$H$ _yë`mV KQ>mH$[aVm

Amdí`H$ VaVyX Ho$bobr Amho.

~) {XZm§H$ 31.3.2018 nydu H$Om©Mo nwZ~mªYUrH$[aVm H$moUË`mhr H$O©ImË`m§Mo AO© àb§{~V ZmhrV.

9. ‘mb‘Îmm nwZa©MZm H§$nZrg Mmby dfm©V {dH$boë`m H$Om©Mm Vnerb

Vnerb a¸$‘ énò

2017-18 2016-17

ImVo g§»`m 30.00 0.00

{dH«$s Ho$boë`m ImË`m§darb VaVyX dOm OmVm {Zìdi ~mH$s 35040.44 0.00

EHy$U {dH«$s qH$‘V 31525.00 0.00

‘mJrb dfm©Vrb {dH«$snmoQ>r {‘imbobr OmXm a¸$‘ 0.00 0.00

Z’$m / VmoQ>m 3515.44 0.00

..... 56 .....


10. When there is a possible or a present obligation in respect of which the likelyhood of outflow of the resource is

remote, no provision or disclosure is made. Contingent Assets are not recognised in the financial statements.

11. The figures of previous years have been regrouped/rearranged to conform with the current year’s presentation.

As per our report attached

For Mukund M. Chitale & Co. For Shashank Patki & For Kirtane & Pandit LLP For S.D.Medadkar & Co. Chartered Accountants Associates Chartered Accountants Chartered Accountants FRN - 106655W Chartered Accountants FRN - 105215W/W100057 FRN - 106128W FRN - 122054W

(S.S. Dikshit) (Ruta Chitale) (S.B. Bhagwat) (S.V. Waikar) Partner Partner Partner Partner M.No. 41516 M.No. 111703 M.No.08072 M.No.40590 Statutory Auditors

Place : PuneDate : 18-05-2018

..... 57 .....


10) Vmio~§Xm§Mo VmaIoÀ`m {Xder Á`m aH$_oMr B{VH$V©ì`Vm {XgV hmoVr Aem ì`dhmamVrb _mJrb KQ>Zm {dMmamV KoD$Z qOXJr d XoUr `m_Üò Amdí`H$ Vr VaVyX

Vmio~§XmV Ho$br Amho. na§Vy Ë`m~m~VrV ^{dî`mVrb n[aUm_ bjmV KoVm H$moUVrhr VaVyX Ho$bobr Zmhr. g§^mì` qOXJr/_mb_Îmm Vmio~§XmV Xe©{dbr Zmhr.

11) _mJrb dfm©Mr AmH$S>odmar Amdí`H$VoZwgma nwZa©{MV d nwZ{Z©Xo©{eV Ho$bobr Amho.



:: Directors ::


..... 58 .....


Mukund M. Chitale & Co.Chartered Accountants,2nd floor, Kapur House,Paranjape B Scheme,Road No.1. Vile Parle(E)Mumbai 400 057

Shashank Patki & Associates

Chartered Accountants, 2, Anil Apartments, Baner Residency, Baner Road, Aundh, Pune 411 007.

INDEPENDENT AUDITORS’ REPORTTo,The Members,Janata Sahakari Bank Ltd., Pune

Report on Financial Statements

1) We have audited the accompanying financial statements of Janata Sahakari Bank Limited, Pune (‘the Bank’) as at 31 March 2018, which comprise the Balance Sheet as at 31 March 2018, the Profit and Loss Account, the Cash Flow Statement for the year then ended and a summary of significant accounting policies and other explanatory information. The returns of all branches audited by us are incorporated in these financial statements.

Management’s Responsibility for the Financial Statements

2) Management is responsible for the preparation of these financial statements that give a true and fair view of the financial position, financial performance and cash flows of the Bank in accordance with provisions of the Banking Regulations Act, 1949, the guidelines issued by the Reserve Bank of India, the Central Registrar, the Multi State Co-operative Societies Act, 2002, the Multi State Co-operative Societies Rules, 2002 and accounting principles generally accepted in India so far as applicable to Banks. This responsibility includes the design, implementation and maintenance of internal controls relevant to the preparation and presentation of the financial statements that are free from material misstatement, whether due to fraud or error.

Auditor’s Responsibility

3) Our responsibility is to express an opinion on these financial statements based on our audit. We conducted our audit in accordance with Standards on Auditing issued by the Institute of Chartered Accountants of India. Those Standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatements.

4) An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor’s judgement, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the Bank’s preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on effectiveness of the entity’s internal control. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of the accounting estimates made by management, as well as evaluating the overall presentation of the financial statements.

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

Kirtane & Pandit LLP,Chartered Accountants,5th floor, Wing A, GopalHouse, S.No.127/1 B/1,Plot No.A1, Kothrud,Pune 411 029.

S.D. Medadkar & Co.Chartered Accountants,56 Happy Apartment,Shastri Road,Opp. Happy House,Pune 411 030.

..... 59 .....


Opinion

6) In our opinion and to the best of our information and according to the explanations given to us, the aforesaid financial statements together with the Notes thereon give the information required by the Banking Regulation Act, 1949, the Multi State Co-operative Societies Act, 2002 and the Multi State Co-operative Societies Rules, 2002 and guidelines issued by Reserve Bank of India and the Central Registrar of Cooperative Societies, in the manner so required and give a true and fair view in conformity with the accounting principles generally accepted in India:

(a) In the case of the Balance Sheet, of state of affairs of the Bank as at 31st March 2018;

(b) In the case of the Profit and Loss Account, of the profit for the year ended on that date; and

(c) In the case of the Cash Flow Statement, of the cash flows for the year ended on that date.

Report on Other Legal & Regulatory Requirements

7) The Balance Sheet and the Profit and Loss Account have been drawn up in Forms “A” and “B” respectively of the Third Schedule to the Banking Regulation Act, 1949 and the Multi State Co-operative Societies Act, 2002, the Multi State Co-operative Societies Rules, 2002.

8) As required by Section 73 (4) of the of the Multi State Co-operative Societies Act, 2002 we report that:a) We have obtained all the information and explanations, which to the best of our knowledge and belief

were necessary for the purpose of our audit and have found to be satisfactory.b) In our opinion, proper books of account as required by law have been kept by the Bank so far as it

appears from our examination of those books and proper returns adequate for the purposes of our audit have been received from the branches/offices.

c) The transactions of the Bank which came to our notice have been within the powers of the Bank.d) The Balance Sheet and Profit and Loss Account dealt with by this report, are in agreement with the books

of account and the returns.e) The accounting standards adopted by the Bank are consistent with those laid down by accounting

principles generally accepted in India so far as applicable to Banks.f) In our opinion and according to information and explanations given to us, we have not noticed any

material impropriety or irregularity in the expenditure or in the realization of money due to the bank;

9) a) As per the information and explanations given to us and based on our examination of the books of account and other records, we have not come across material instances which need to be reported under Rule 27(3) of the Multi State Co-operative Societies Rules, 2002.

b) As required by Rule 27(3) of The Multi-State Co-operative Societies Rules, 2002, we report in the Annexure on the matters specified in that Rule.


(S.S. Dikshit) (Ruta Chitale) (S.B. Bhagwat) (S.V. Waikar) Partner Partner Partner Partner M.No. 41516 M.No. 111703 M.No.08072 M.No.40590 Statutory Auditors


..... 60 .....


ANNEXURE TO INDEPENDENT AUDITOR’S REPORTAS REQUIRED UNDER MULTI-STATE CO-OPERATIVE SOCIETIES RULES, 2002

(Referred to in our report of even date on the accounts ofJanata Sahakari Bank Ltd.., Pune as at 31st March 2018)

As required by the Rule 27 (3) of the Multi-state Co-operative Societies Rules, 2002, we report on the matters specified in clauses (a) to (f) of the said Rule to the extent applicable to the Bank.

a. During the course of our audit, we have generally not come across transactions which appear to be contrary to the provisions of the Act, the Rules or the Bye-Laws of the Bank.

b. During the course of our audit, we have not come across material and significant transactions which appear to be contrary to the guidelines issued by the Reserve Bank of India.

c. The following monies due to the Bank appear to be doubtful of recovery against which appropriate requisite provisions have been made in the accounts.

Category Principal outstanding on31.3.2018 (Rs.in Crores)

Porvision a 31-3-2018(Rs. in Crores)

NPA (As per Prudencial norms)

394.88 147.89

investments 2.84 2.84other Receivables 0.91 0.91

d. As per the information provided to us and to the best of our knowledge, the following credit facilities have been sanctioned by the Bank to the members of the Board or their relatives:

(Rs.in Lacs)Fund Based amount

outstandingSecurity Value Overdues, if any

22.36 25.94 NIL

e. During the course of our audit, we have generally not come across any violations of guidelines, conditions etc. issued by the Reserve Bank.

f. To the best of our knowledge, no other matters have been specified by the Central Registrar, which require reporting under this Rule.


(S.S. Dikshit) (Ruta Chitale) (S.B. Bhagwat) (S.V. Waikar) Partner Partner Partner Partner M.No. 41516 M.No. 111703 M.No.08072 M.No.40590 Statutory AuditorsPlace : PuneDate : 18-05-2018

..... 61 .....


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7. g^mgXm§gmR>r eoAg© {d^mJ g§nH©$ H«$‘m§H$ 9860796464 B©-‘ob A°S>og - [email protected]

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Audit ClassificationWe have audited the Balance Sheet of Janata Sahakari Bank Limited, Pune as on 31st March 2018 and also Profit & Loss Account annexed thereto for the year ended on that date and we report that audit class “A” has been given to the Bank for the year 2017-18, as per norms prescribed for audit classification of urban co-op. banks by Registrar of Co-op. Societies, Maharashtra State.

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Mukund M. Chitale & Co.Chartered Accountants, 2nd floor, Kapur House, Paranjape B Scheme, Road No.1. Vile Parle(E)Mumbai 400 057

Shashank Patki & AssociatesChartered Accountants, 2, Anil Apartments, Baner Residency, Baner Road, Aundh, Pune 411 007.

Kirtane & Pandit LLP,Chartered Accountants, 5th floor, Wing A, Gopal House, S.No.127/1 B/1, Plot No.A1, Kothrud,Pune 411 029.

S.D. Medadkar & Co.Chartered Accountants, 56 Happy Apartment, Shastri Road,Opp. Happy House, Pune 411 030.


(S.S. Dikshit) (Ruta Chitale) (S.B. Bhagwat) (S.V. Waikar) Partner Partner Partner Partner M.No. 41516 M.No. 111703 M.No.08072 M.No.40590 Statutory AuditorsDate : 18-05-2018

..... 62 .....


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omm

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mitt

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eshu

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s per

RBI

gui

delin

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upto

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..... 63 .....

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e-Law

Nu

mbe

r

(1)

Exist

ing B

ye-L

aw

(2

)Pr

opos

ed B

ye-L

aw

(

3)Re

ason

for A

men

dmen

t

(4)

2)(u

)“P

erson

” mea

ns an

adult

Indiv

idual,

Pro

priet

ory C

once

rn, P

artne

rship

Firm

duly

regist

ered u

nder

the In

dian P

artne

rship

Act, 1

932 C

ompa

ny

or an

y othe

r bod

y cor

porat

e con

stitut

ed un

der t

he C

ompa

nies A

ct 19

56

or u

nder

the la

w fo

r the

time

bein

g in

force

, Soc

iety

regist

ered

unde

r the

Cen

tral o

r Stat

e Act,

Loc

al Au

thorit

y, St

ate G

overn

ment,

Cen

tral

Gove

rnme

nt, S

elf H

elp G

roup

s (S

HGs)

in fo

rce fo

r reg

istrat

ion o

f su

ch tr

usts;

“Pers

on”

mean

s an

adult

Indiv

idual,

Prop

rietor

of t

he p

roprie

tory

Conc

ern, F

irm

duly

regist

ered u

nder

the In

dian P

artne

rship

Act, 1

932,

Comp

any i

ncorp

orated

unde

r the

Com

panie

s Act,

201

3, or

unde

r any

prev

ious C

ompa

ny L

aw, L

imite

d Li

abilit

y Pa

rtners

hip Fi

rm, C

orpora

tion,

or an

y othe

r bod

y corp

orate,

cons

tituted

unde

r any

law,

for

the t

ime b

eing i

n forc

e, So

ciety

regist

ered u

nder

the C

entra

l or S

tate A

ct, L

ocal

Autho

rity,

State

Gove

rnmen

t, Cen

tral G

overn

ment,

Join

t Liab

ility G

roup,

Self

Help

Grou

ps (S

HGs)

and p

ublic

trust

regist

ered u

nder

any l

aw fo

r the t

ime b

eing i

n forc

e.

Comp

anies

Act,

195

6 ha

s be

en r

epea

led b

y Co

mpan

ies A

ct, 2

013.

Henc

e, ne

cessa

ry co

rrecti

ons h

ave b

een

made

in th

e bye

-laws

. Fur

ther,

alrea

dy th

e bod

y co

rpor

ates a

re inc

luded

in th

e defi

natio

n of

“pers

on”,

howe

ver, t

hey a

re sp

ecifi

ed fo

r clar

ity.

2)(v

)De

finiti

ons -

New

Clau

se.

“Inter

ested

Part

y” m

eans

any

indiv

idual

who

is blo

od re

lative

, or c

lose

family

me

mber

(such

as

fathe

r, mo

ther,

son,

daug

hter,

son-

in-law

, dau

ghter

-in-la

w,

imme

diate

dece

ndan

ts of

son,

or d

augh

ter) o

f any

dire

ctor o

n the

Boa

rd o

f the

ba

nk, o

r any

orga

nizati

on in

cludin

g Pu

blic/P

rivate

Tru

st, or

foun

datio

n, en

gage

d in

meeti

ng so

cial o

bliga

tion,

where

in an

y dir

ector

him

self

or h

is blo

od o

r clos

e rel

ative

has d

irect

singn

ifica

nt fin

ancia

l inte

rest, o

r con

trolli

ng in

fluen

ce.

Due t

o mod

ifica

tion i

n clau

se (3

)(xlv)

, it is

nece

ssary

to de

fine a

nd ad

d the

wor

d “int

ereste

d part

y”

3)(x

viii)

To e

ffect,

to e

nsur

e, to

guara

ntee,

to un

derw

rite,

to pa

rticip

ate in

ma

nagin

g an

d ca

rrying

out

any

issue

, pub

lic o

r pr

ivate,

of

State

M

unici

pal o

r othe

r loa

ns o

r of s

hares

, deb

entur

es, d

eben

ture s

tock

of

any

Comp

any,

any

Co-o

perat

ive S

ociet

y, Co

rpor

ation

or a

ssocia

tion

and t

o len

d mon

ey fo

r the

purp

ose o

f an s

uch i

ssue;

To be

delet

ed.

Such

bus

iness

is res

tricte

d fo

r co

-op.

Bank

as

per

RBI

guide

lines

vid

e RB

I Mas

ter C

ircula

r on

Expo

sure

Norm

s an

d St

atutor

y / O

ther

Restr

iction

s - U

CBSs

dated

July

1, 20

15.

3)(x

xviii

)To

do al

l suc

h othe

r thing

s as a

re inc

identa

l and

cond

ucive

to th

e prom

otion

or

adva

ncem

ent o

f these

objec

ts an

d of th

e bus

iness

of the

Ban

k;To

be de

leted

.By

e-Law

No.2

(xxv

iii) i

s rep

etatio

n of

Bye

-Law

No.2

(xliv

) and

hen

ce

the sa

me is

prop

osed

to be

delet

ed.

3)(x

xxi)

To gr

ant l

oans

to C

o-op

erativ

e Soc

ieties

;To

gran

t loa

n to C

o-op

erativ

e Soc

ieties

with

prior

perm

ission

of R

CS / C

RCS

(as

appli

cable

) to b

e obta

ined b

y tha

t Co-

op.S

ociet

y for

non m

embe

r fina

nce.

Being

Co-

op.S

ociet

y can

not b

e mem

ber v

ide cl

ause

No.4

(vi)(

a), w

e can

giv

e non

-mem

ber f

inanc

e to

Co-

op. S

ociet

ies w

ith pr

ior pe

rmiss

ion to

RC

S /C

RCS

as ap

plica

ble.

3)(x

xxvi)

To pr

omote

one o

r mor

e sub

sidiar

y com

panie

s whic

h may

be re

gister

ed

unde

r any

law

for t

he ti

me b

eing

in fo

rce fo

r fur

theran

ce o

f its

stated

ob

jects;

To p

romo

te on

e or m

ore s

ubsid

iary

instit

ution

/s ac

cord

ing to

Sec

.19 th

e Mult

i-St

ate C

o-op

.Soc

ieties

Act,

200

2, wh

ich m

ay b

e reg

istere

d un

der a

ny la

w fo

r the

tim

e be

ing in

force

for f

urthe

rance

of i

ts sta

ted o

bjects

, if n

eces

sary

with

the

perm

ission

of R

eserv

e Ban

k.

Form

ation

of

Subs

idiary

Com

pany

by

co-o

p. ba

nk r

equir

ed p

rior

perm

ission

of R

BI v

ide re

f.no.

Secti

on 1

9 of

the

Bank

ing R

egula

tion

Act, 1

949 (

AACS

)

3)(x

xxvii

i)To

take

or ot

herw

ise ac

quire

and h

old sh

ares i

n any

othe

r soc

iety w

ith

limite

d liab

ility;

To ta

ke or

othe

rwise

acqu

ire an

d hold

share

s in a

ny ot

her c

ompa

ny or

socie

ty wi

th lim

ited l

iabili

ty, if

nece

ssary

with

the p

ermiss

ion of

Res

erve B

ank.

Being

there

are r

estri

ction

s to

depo

sit /

inves

t in

other

co-o

p. ba

nk b

y RB

I vide

ref.

of th

e Ba

nking

Reg

ulatio

n Act,

1949

(AAC

S)3)

(xlv)

To m

eet s

ocial

oblig

ation

s, giv

e don

ation

s to v

ariou

s org

aniza

tions

for

bette

rmen

t of t

he so

ciety.

To m

eet s

ocial

obli

gatio

ns,or

to g

ive d

onati

ons f

or b

etterm

ent o

f the

socie

ty to

vario

us or

ganiz

ation

s, wh

ich is

/are n

ot int

ereste

d part

y / pa

rties

.Do

natio

ns to

inter

ested

part

ies to

be

restri

cted

by R

BI v

ide p

ara 2

of

RBI c

ircula

r UBD

. BPD

. (PC

B) C

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2018

..... 64 .....


‘w»` H$m`m©b` …1444, ewH«$dma noR>, Wmoabo ~mOramd amoS>, nwUo 411 002.

’$moZ … 020-24453258/59/24452894’°$Šg … 020-24453430

^maV ^dZ …1360, ewH«$dma noR>, Wmoabo ~mOramd amoS>, n{hbm ‘Obm, ZmVy~mJ, nwUo 411 002.

’$moZ … 020-24494226/24493395’°$Šg … 020-24493402

EZ.Eg.S>r.Eb. …1360, ewH«$dma noR>, Wmoabo ~mOramd amoS>, ^maV ^dZ, Vi‘Obm, ZmVy~mJ, nwUo 411 002.

’$moZ … 020-24431011 Vo 16 (Q>o{b’°$Šg) 95030-58993

ATMgodm CnbãY

~mOramd amoS> …1444, ewH«$dma noR>, Wmoabo ~mOramd amoS>, nwUo 411 002.

’$moZ … 020-24452013/24481130/’°$Šg … 020-24453430

ATMd B©-gw{dYm CnbãY

{edmOrZJa nwUo …ì`§H$Q>oe pìhbm, ßbm°Q> H«$. 9, g.Z. 1204/9, Kmobo amoS>, {edmOrZJa, nwUo 411005

’$moZ … 020-25535532/25510641’°$Šg … 020-25538332

ATMgodm CnbãY

^dmZr noR> …12, ZrVm g|Q>a, ^dmZr noR>, nwUo 411 042. ’$moZ … 020-26386708

H$d} amoS> …Am~mgmho~ Jadmao H$m°boO H§$ånmC§S>, H$d} añVm, nwUo 411 004. ’$moZ … 020-25441631/25453075 ATM

d B©-gw{dYm CnbãY

’$½`w©gZ H$m°boO amoS> …925 ~r, `w{ZH$ M|~g©, ’$½`w©gZ H$m°boO amoS>, {edmOrZJa, nwUo 411 005 ’$moZ … 020-25652409/25655371 ATM

godm CnbãY

{Q>iH$ amoS> …1732, gXm{ed noR>, {dîUy AnmQ>©‘|Q>, {Q>iH$ amoS>, nwUo 411030 ’$moZ … 020-24471165/24475354 ATM

d B©-gw{dYm CnbãY

e{Zdma ZmamÙ noR>> …345, e{Zdma noR>, a‘U~mJ àembm H§$ånmC§S>, nwUo 411 030

’$moZ … 020-24459937/24497904 ATMgodm CnbãY

‘mH}$Q> `mS>©> …OZVm ~±H$ {~pëS>¨J, 475/476, JwbQ>oH$S>r, ‘mH}$Q> `mS>©, nwUo 411 037

’$moZ … 020-24271533/34/24272549’°$Šg … 020-24271532

H$d}ZJa> …g.Z§. 167/E-2, ßbm°Q> Z§. 19/20, A{^foH$ H$m°åßboŠg, h°nr H$m°bZr, H$moWê$S>, nwUo 411 038


ghH$maZJa> …ßbm°Q> H«$. 66, ‘Yw‘mbVr, Xe^wOm JUnVr amoS>, Vwier~mJdmbo H$m°bZr, ghH$maZJa, nwUo 411 009

’$moZ … 020-24224514/24220373 ATMd B©-gw{dYm CnbãY

qghJS> amoS>> …g. Z§. 26/20/1 E, qhJUo IwX©, qghJS> amoS>, nwUo 411051 ’$moZ … 020-24352053/24340053 ATM

d B©-gw{dYm CnbãY

~mUoa> …g.Z§. 182/1/1, ~mUoa amoS>, AQ>m[a`m {~pëS>¨J, hm°Q>ob {edgmJaOdi, ~mUoa, nwUo 411045

’$moZ … 020-27290240 ATMd B©-gw{dYm CnbãY

nm¡S> amoS>> …ßbm°Q> H«$. 1/~r, gìh} H«$. 119/1, AZ§VH¥$nm H$mo-Am°n. hm¡qgJ gmogm`Q>r, nm¡S> amoS>, nwUo 411 038


qnnar …dQw>‘hmb, ßbm°Q> Z§. 131, Ü`mZM§X nm°brJ«mg hm°H$s ñQ>o{S>`‘ Mm¡H$, Zohê$ZJa, qnnar, nwUo 411 018

’$moZ … 020-27124725 ATMgodm CnbãY

qMMdSJm§d …gìh} H«$. 280, gr Q>r Eg H«$. 4270, JmoëS>H«$mâQ> {~pëS>¨J, Mm’o$H$a Mm¡H$, qMMdSJm§d, nwUo 411 033

’$moZ … 020-27352536 ATMB©-gw{dYm CnbãY

qMMdS> ñQ>oeZ …gr Q>r Eg H«$. 4672/1 d 2, {gVmam‘ H$m°åßboŠg, qMMdS> ñQ>oeZ, nwUo 411 019

’$moZ … 020-27472436, ’°$Šg … 020-27463334

OZVm ghH$mar ~±H$ {b., nwUo(‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$)

‘w»` H$m`m©b` … 1444, ewH«$dma noR>, Wmoabo ~mOramd amoS>, nwUo 411 002.

emIm g§nH©$ EQ>rE‘

..... 65 .....


VioJm§d Xm^mS>o …981, ~wYdma noR>, VioJm§d Xm^mS>o, Vm. ‘mdi, {O. nwUo 410 506 ’$moZ … 02114-222490/229381

VioJm§d ñQ>oeZ …{g.Q>r.Eg. H«$. 2409/4, g.Z§. 528/2-1, em‘ ñ‘¥Vr, YmoÌo M|~g©, VioJm§d ñQ>oeZ, Eg.Q>r.S>onmog‘moa, VioJmd Xm^mS>o, Vm. ‘mdi, {O. nwUo 410 507


^moa …PmoZ H«$. 1, hmD$g H«$. 4377, ‘§Jidma noR>, OZVm ~±H$ {~pëS>¨J, amOdmS>m Odi, ^moa, {O. nwUo 412 206


KmoS>ZXr …ßbm°Q> H«$. 38, gr Q>r Eg H«$.1969/1, aoìhoÝ`y H$m°bZr, {eê$a, Vm. {eê$a, {Oëhm nwUo 412 210


B§Xmnya …Ka H«$. 646, dm°S>© H«$. 24, ~mOmanoR>, B§Xmnya, {O. nwUo 413 106 ’$moZ … 02111-223318 ATM

godm CnbãY

OwÞa …[gQ>r g. Z§. 5203, Jw§Omi H$‘{e©Ab H$m°åßboŠg, ~moS>Ho$ZJa, Eg.Q>r.ñQ>±S>Odi, Vm. OwÞa, {Oëhm nwUo 410 502


AmoVya …Ka H«$. 354/1, nm§T>è`m ‘méVr ‘§{Xamg‘moa, ‘w.nmo.AmoVya, Vm. OwÞa, {O. nwUo 412 409 ’$moZ … 02132-264133 ATM

godm CnbãY

Am¡a§Jm~mX …Jmo‘Q>oe ‘mH}$Q>g‘moa, Am¡fYr ^dZg‘moa, XbmbdmS>r, Am¡a§Jm~mX 431 001


bmVya …{g.g.H«$. 6398-1, ZJa nr.H«$.Ama/4-674, M¡ZgwI amoS>, bmVya 413 512

’$moZ … 02382-240566/240778/79 ATMgodm CnbãY

A§~mOmoJmB© …3/434, Jwédma noR>, A§~mOmoJmB©, {O. ~rS> 413 517,

’$moZ … 02446-247071, ATMgodm CnbãY

XmXa …em°n Z§. ~r.1/2/3 Am{U Eg 6, Vi‘Obm, ~r qdJ, X`m{Zdmg H$mo-Am°n. hm¡qgJ gmogm`Q>r {b., 137 Eg Ho$, ~mobo amoS>, XmXa (n.) ‘w§~B© 400 028

’$moZ … 022-24226219/24381250$’°$Šg … 022-24222934

ATMgodm CnbãY

’$moQ>© …ßbm°Q> Z§. 11 d 12, gr.Q>r.Eg.Z§. 1900/1901 OÝ‘^y‘r ^dZ, OÝ‘^y‘r ‘mJ©, ’$moQ>©, ‘w§~B© 400 001

’$moZ … 022-22024284/85/86/87 ATMgodm CnbãY

{dbonmb} …lrHw§$O {à‘m`gog H$mo-Am°n. gmogm`Q>r, hZw‘mZ ‘§{Xa amoS>, {dbonmb} (nyd©), ‘w§~B© 400 057


{JaJm§d …S>o¸$Z M|~g©, ‘°OopñQ>H$ {gZo‘m hmD$g g‘moa, {JaJm§d, ‘w§~B© 400 004


aËZm{Jar …1973, lram‘ Amir, aËZm{Jar 415 612

’$moZ … 02352-222393 ATMd B©-godm CnbãY

{edmOrZJa aËZm{Jar …èmoXrn, ‘méVr ‘§{Xa, aËZm{Jar 415 612 ’$moZ … 02352-222621 / 226621 ATM

godm CnbãY

gmIanm …Ka H«$. 171, ~mOmanoR>, Eg.Q>r.ñQ>±S>g‘moa, gmIanm, Vm. g§J‘oída, {O. aËZm{Jar 415 801 ’$moZ … 02354-268243 ATM

godm CnbãY

nmdg …‘hmH$mbr n°bog, g.Z§. 60, {hñgm Z§. 13/16, nmdg, {O. aËZm{Jar 415 616 ’$moZ … 02352-237266 ATM

godm CnbãY

‘mIOZ …~mOma noR>, ‘mIOZ, Vm. g§J‘oída, {O. aËZm{Jar 415 608 ’$moZ … 02354-285231 ATM

godm CnbãY

Xodê$I …Eg.Q>r.ñQ>±S>g‘moa Xodê$I, {O. aËZm{Jar 415 804 ’$moZ … 02354-260145

H$moëhmnya …1436/E, bú‘rnwar dm°S>© H«$.gr. H$moëhmnya 416 002


{MniyU …g.Z§. 147, {hñgm Z§. 1, gŠgog M|~g©, Eg.Q>r. ñQ>±S>Odi, ^moJmio, {MniyU, {O. aËZm{Jar 415605



..... 66 .....


g§J‘oída …OZVm ~±H$ {~pëS>¨J, ZmdS>r, g§J‘oída, {O. aËZm{Jar 415 611 ’$moZ … 02354-272050/273284 ATM

godm CnbãY

H$S>dB© g§J‘oída …g.Z§. 231, {hñgm Z§. 13 ~, {~pëS>¨J H«$. 1105 nmoñQ> H$S>dB©, Vm. g§J‘oída, {O. aËZm{Jar 415 609 ’$moZ … 02354-275240

IoS>~«åhm …gaXma nQ>ob ‘mJ©, IoS>~«åhm, {O. gm~aH$m§R>m, JwOamV 383 255 ’$moZ … 02775-220022 ATM

godm CnbãY

H$g~m g§J‘oída ({dñVm[aV H$j) …H$g~m g§J‘oída, J«m‘n§Mm`V {~pëS>¨J, Vm. g§J‘oída, {O. aËZm{Jar 415 610 ’$moZ … 02354-272025

YZH$dS>r …g.Z§. 29, âbm°Q> Z§. 22, {hñgm Z§. 1,2,3,4,5 H$bm{ZHo$VZ hm¡qgJ gmogm`Q>r, H$bmZJa, YZH$dS>r, nwUo 411043


M§XZZJa …g.Z§. 46, nmQ>© Z§. 1E/E.~r./1, ßbm°Q> Z§. 2, JmoqdXZJa H$mo-Am°n. gmogm`Q>r, EM Z§. 3/418 ~r ‘w. nmoñQ> IamS>r, M§XZZJa, nwUo 411014


~moardbr (n.) …grQ>rEg 559, Z§X Z§XZ ^dZ, gmoS>mdmbm boZ, ~moardbr (npíM‘), ‘w§~B© 400 092


KmQ>H$mona (nyd©) …em°n Z§. 1, ßbm°Q> Z§. 74, gr.Q>r.Eg.Z§. 5992, Q>r.nr.Eg. ñH$s‘ Z§. 3, YyV {~PZog g|Q>a, Ama.~r.‘ohVm ‘mJ©, KmQ>H$mona (B©ñQ>) ‘w§~B© 400077


OmbZm amoS> (Am¡a§Jm~mX) …gr.Q>r.Eg.Z§. 12498, J«mC§S> âbmoAa, ~½Jm M|~g© 4/16/26/nr, OmbZm amoS>, AmH$medmUr H|$Ðmg‘moa, Am¡a§Jm~mX - 431 001


H$mÌO …gd}.Z§. 22/3/25/1, A[ah§V H$m°åßboŠg, H$m|T>dm amoS>, H$mÌO, Vm. hdobr, {Oëhm nwUo 411 046


Zm{eH$ …ßbm°Q> Z§. 153, Aë’$m ñ¹o$Aa, {S>gwPm H$m°bZr, H$m°boO amoS>, ‘m°S>ob H$m°bZr Mm¡H$, Zm{eH$ 422 005


CXJra …Ka H«$. 5,3,16 Am{U 5,3,21 Zm§XoS> {~Xa amoS>, C‘m Mm¡H$, CXJra, Vm. CXJra, {O. bmVya 413 517


OmbZm …g.Z§. 10624 Ka H«$. 1,12,145 - gH$boMm BñQ>oQ> gamo{OZr Xodr amoS>, OmbZm 431 203


‘wbw§S> …ßbm°Q> H«$. 544/E, grQ>rEg H«$. 286, ~mbmOr AmH}$S>, ZoVmOr gw^mf amoS>, ‘wby§S> (npíM‘) ‘w§~B© 400 080


CMJm§d Jm§YrZJa> …Ka H«$. 142/6/8, Jmim H«$. E/4, gy © H$m°åßboŠg, ‘oZ amoS>, Jm§YrZJa, {ZJS>odmS>r H$m°Z©a, CMJmd J«m‘n§Mm`V, VmbwH$m H$adra, {O. H$moëhmnya 416 005


bm§Om> …gX²Jwê$ H$m°åßboŠg, gr qdJ, ‘w§~B©-Jmodm hm`do, bm§Om ~mOmanoR>, nmoñQ> bm§Om, {O. aËZm{Jar 416 701


dmaOo ‘midmS>r …ñn§XZ, em°n H«$. 10, ‘mB© ‘§JoeH$a hm°pñnQ>b g‘moa, nm°ß`wbaZJa, nwUo-‘w§~B© ~m`nmg amoS>, dmaOo ‘midmS>r, nwUo 411 058


‘moer …lr g‘W© H¥$nm, goŠQ>a-4, ßbm°Q> Z§. 287/Eg, g§VZJa, àm{YH$aU ‘moer, nwUo-Zm{eH$ hm`do, ‘moer, nwUo 412 105


KmoS>~§Xa amoS> …em°n H«$. 5/6 Am{U 7, Vi‘Obm, n§Mm‘¥V H$mo Am°n hm¡. gmogm`Q>r, g.Z§. 158 {hñgm Z§. 1 H$mdoga, KmoS>~§Xa amoS>, R>mUo 400 615

’$moZ … 022 - 25971967 ATMgodm CnbãY


..... 67 .....


gmobmnya> …Q>mB©‘ ñ¹o$Aa {~pëS>¨J 97/1, Vi ‘Obm, ‘moamaOr noR>, à^mV {MÌ ‘§{XaOdi, {Oëhm gmobmnya 413 001


JmoaoJmd …nyZ‘ hmB©Q>g² em°n Z§. 7 Am{U 8, Vi‘Obm, 12-CÚmoJ ZJar Eg {d amoS> JmoaoJmd (npíM‘), ‘w§~B© 400 104


noU …ßbm°Q> Z§. 52, OwZm gd} Z§. 36/2, E‘.Eg.B©.~r. Am°{’$gOdi, dra gmdaH$a ‘mJ©, Vm. noU, A§Vmoam amoS>, ‘w.nmo. noU, {O. am`JS> 402 107


Ah‘XZJa …em°n Z§. 2, Vi‘Obm, gmB© {‘S>mg Q>M, Q>rnr ñH$s‘ Z§. 4, ßbm°Q> Z§. 101/86, ‘Z‘mS> amoS> , gmdoS>r, Ah‘XZJa 414 003.


BMbH$a§Or …5/36, ZmamÙ noR>, emhÿ H$m°Z©a Odi, BMbH$a§Or 416 115 ’$moZ … 0230-2435059 ATM

godm CnbãY

BMbH$a§Or ({dñVmarV H$j) …dm°S>© Z§. 16, {hñgm H«$. 1527/10, AÊUm am‘Jm|S>m nmQ>rb emiog‘moa, ^mOr ‘mH}$Q>, BMbH$a§Or 416 115


gm§Jbr …1030, {gQ>r n°bog, Eg.Q>r. ñQ±S> amoS>, gm§Jbr 416 416. ’$moZ … 0233-2321093 ATM

godm CnbãY

H$amS> …nam§Ono {~pëS>¨J, XÎm Mm¡H$, ‘oZ amoS>, H$amS> 415 110 ’$moZ … 02164 - 220556

JS>qh½bO …grQ>rEg 374/375/376, ‘w„m M|~a ‘oZ amoS>, JS>qh½bO 416 502 ’$moZ … 02327 -224464

OdmhaZJa …dm°S>© Z§. 21, {hñgm H«$.1138, g§O` ‘hmXod H$m§~io {~pëS>¨J, S>o¸$Z {‘b g‘moa, ñQ>oeZ amoS>, BMbH$a§Or 416 115

’$moZ … 0230-2440382

O`qgJnya …J„r H«$. 9, Hw§$^moOH$a {~pëS>¨J, am‘ ‘§{Xa Odi, O`qgJnya 416 101 ’$moZ … 02322-226091

hS>nga …grQ>rEg 1206, 1201, nwUo - gmobmnya amoS>, hS>nga, nwUo 411 028 ’$moZ … 020 - 26993258 ATM

godm CnbãY

H$m§{Xdbr (npíM‘) …em°n Z§. 1, drUm am°`b pìhbm, gr Q>r Eg Z§. 455 E Am{U ~r, bmbM§X ^m{Q>`m ZJa, e§H$a boZ, H$m§{Xdbr (npíM‘), ‘w§~B© 400 067


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Zèho Am§~oJmd …em°n Z§. 1 d 2, "E' {d§J, aoZogmÝg, g.Z§.43/1/1/2, XÎmZJa, Am§~oJmd amoS>, nwUo 411 046.

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Notes

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dm{f©H$ gd©gmYmaU g^oMr gyMZm...5) To take note of the loans sanctioned in the financial year 2017-18 to Directors of the Bank & their relatives as per the Sec.39(3) of the Multi-state