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Financial

Profit and Loss Account for the Period Ended 31st March, 2024

Particulars Schedule Year Ended
31-03-2024		 Year Ended
31-03-2023		 Year Ended
31-03-2022
(Current Year) (Previous Year) (Previous Year)
1. Income
Interest earned 13 3114830809 2632607679 2765346301
Other income 14 86859112.11 98381581 48739109
Reserves Withdrawn 0 201856836 0
Total 2932846096 2932846096 2814085410
2. Expenditure
Interest expended 15 2832815835 2320993369 2160859209
Operating expenses 16 551143009.7 523562433 466661755
Provisions and contingencies 2300401331 81729271 144182875
Total 2926285073 2926285073 2771703839
Profit/Loss
Net Profit/loss (-) for the year -2482670255 6561023.02 42381571
Profit/loss(-) brought forward
III. Appropriations
Transfer to statutory reserves 0 3280512 21190786
Transfer to other reserves 0 3280512 21190785
Transfer to Government/Proposed dividend 0 0 0
Balance carried over to consolidated balance sheet 0 0 0

Balance Sheet as on  March 31,2024

No Particulars Schedule No.
As on 31.3.2024 (Current year) As on 31.3.2023 (Previous year) As on 31.3.2022 (Previous Year)
Capital and Liabilities
1 Capital 1 3388922283 2721716519 2381976306
2 Reserves and Surplus 2 449669401 405618022 2972585126
3 Deposits 3 14787773215 14629098467 15287872994
4 Borrowings 4 29095604627 26725407171 23627768437
5 Other Liabilities and Provisions 5 6078977844 3814084194 1272602748
TOTAL 53800947370 48295924374 45542805611
S.NO Assets
1 Cash and Balances with Reserve Bank of India 6 421635189 403548152 429183837
2 Balances with banks and money at call and short notice 7 2613761682 2962857370 3303860208
3 Investments 8 4170661261 3986975303 3768887120
4 Advances 9 4165449744 3908923453 3440793628
5 Fixed Assets 10 1565651415 1572102745 1615050915
6 Other Assets 11 3374788008 2811572804 2017827187
TOTAL 53800947370 48295924374 45542805611
a) Contingent Liabilities 55791996 25211717 868219
b) Bills for Collection 0 0 0

Financial Particulars for the last five years

S. No Particulars 2019-20 2020-21 2021-22 2022-23 2023-24
1 Share Capital 19640.10 21225.78 23819.76 27217.17 33889.22
2 Statutory Reserves 4107.76 3753.52 4146.72 4056.18 4496.69
3 Own Funds (1 + 2) 23747.86 24979.30 27966.48 31273.35 38385.92
4 Deposits
a CASA Deposits 28252.07 37709.33 41345.57 40187.07 43287.27
b Fixed/RIP Deposits 98174.90 110262.11 111533.16 106103.92 104590.46
c Total Deposits 126426.97 147971.44 152878.73 146290.98 147877.73
d % of CASA Deposits 22.35 25.48 27.04 27.47 29.27
5 Borrowings 183360.60 193641.62 236277.68 267254.07 290956.05
6 Working Capital (3+4+5) 333535.43 366592.36 417122.89 444818.40 477219.70
7 Investments 51641.57 59540.48 63122.61 55618.77 55953.92
8 of Col.No.7 Investments in Government Securities 25191.10 25161.41 27187.36 28690.58 28663.12
9 Loans Issued 247823.78 243833.13 319492.85 299584.71
10 Loans and Advances 269796.72 293547.27 344079.36 390892.84 416544.50
11 Net Profit (+)28.31 (+)64.41 (-)423.81 (+)65.61 (-)24826.70
12 Gross NPA 5761.45 21644.39 19364.83 16183.02 49787.12
13 Net NPA 2563.29 15477.09 12970.81 9623.01 25707.30
14 % of Gross NPA 2.14 7.37 5.63 4.14 11.95
15 % of Net NPA 0.96 5.30 3.76 2.50 6.53
16 CRAR 10.59 10.62 10.51 10.54 5.57
17 Audit Classification "B" "B" "B" "A" "B"