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Financial Statements

BALANCE SHEET AS AT 31 MARCH, 2020

CAPITAL AND LIABILITIES

AS ON 
31.03.2020
      Rs.

 AS ON 
31.03.2019
      Rs.

PROPERTY AND ASSETS

AS ON 
31.03.2020
      Rs.

 AS ON 
31.03.2019
      Rs.

  1. CAPITAL

2,070,533,100

     1,785,471,100

  1. CASH

    1,680,868,322

     2,634,289,757

  2. RESERVE FUND AND OTHER RESERVES

1,164,814,350

     1,111,921,661

  2. BALANCE WITH OTHER       BANKS

    896,094,892

        734,511,165

  3.PRINCIPAL/SUBSIDIARY STATE  PARTNERSHIP FUND A/C

 

 

  3. MONEY AT CALL AND SHORT  NOTICE

 

 

  4. DEPOSITS AND OTHER ACCOUNTS

42,0s9 ,687 ,832

  38,865,740,048

  4. INVESTMENTS

  11,805,649,128

  10,463,218,559

  5. BORROWINGS

14,448,883,334

    11,820,414,778

  5. INVESTMENT OUT OF THE  PRINCIPAL/SUBSIDIARY STATE  PARTNERSHIP FUNDS

 

 

  6. BILLS FOR   COLLECTION
  (Being bills receivable as per contra)

6,464,945

             9,576,695

  6. ADVANCES

  42,s26,950,472

  37,021,053,206

  7. BRANCH ADJUSTMENT

-

 -

  7. INTEREST RECEIVABLE

    3,033,363,854

     2,394,158,868

  8. OVERDUE INTEREST      RESERVE

 -

 -

  8. BILLS RECEIVABLE :

           6,464,945

            9,576,695

  9. INTEREST PAYABLE

9,467,774

          9,303,645

 ( Being bills for collection as per contra)

 

 

10. OTHER LIABILITIES

1,118,657,930

        915,976,064

  9. BRANCH ADJUSTMENT

-

        1,853,000

11. BRANCH ADJUSTMENT

745,429

 

10. PREMISES Less Depreciation

       326,274,835

        380,465,491

 

 

 

11. FURNITURE AND FIXUTRES
      Less Depreciation

       142,601,769

        144,990,278

Total c/d

60,878,648,694

  54,518,403,991

Total c/d

  60,478,268,t57

  53,784,117,019

BALANCE SHEET AS AT 31 MARCH, 2020

 

CAPITAL AND LIABILITIES

SCH.
NO.

AS ON 31.3.2020
Rs.

AS ON 31.3.2019
Rs.

PROPERTY AND ASSETS

SCH.
NO.

AS ON 31.3.2020
Rs.

AS ON 31.3.2019
Rs.

Total b/d

 

60,878,648,694

54,518,403,991

Total b/d

 

    60,418,268,157

  53,784,117,019

11. PROFIT AND LOSS ACCOUNT

6

          233,255,128

     232,877,795

12. OTHER ASSETS

13

          617,223,L29

        964,989,767

 

 

 

 

13.Non-Banking Assets acquired in satisfaction of claims

 

76,412,s36

2,175,000

TOTAL

 

    67,711,903 ,822

54,751,281,786

TOTAL

 

    61,,777,903,822

  54,751,281,786

 CONTIGENT LIABILITIES:
(i) Outstanding liabilities for guarantees issued

 

 

 

 

 

 

 (ii) Others (Refer point 16of  Schedule 22)

 

           342,428,016

     237,107,477

 

 

 

      SIGNIFICANT ACCOUNTING POLICIES

 

 

 

 

 

 

      NOTES ON ACCOUNTS

 

 

 

 

 

 

 

 

PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31 MARCH, 2020

EXPENDITURE

SCH.
NO.

 FOR THE
YEAR ENDED
31.3.2020
Rs.

 FOR THE
YEAR ENDED
31.3.2019
Rs.

INCOME

SCH.
NO.

 FOR THE
YEAR ENDED
31.3.2020
Rs.

 FOR THE
YEAR ENDED
31.3.2019
Rs.

   1. INTEREST ON DEPOSITS, BORROWINGS ETC.

16

   3,744,278,503

   3,291,623,204

  1. INTEREST AND DISCOUNT

14

        5,029 ,746 ,403

       4,500,979,125

2. SALARIES, ALLOWANCES, PROVIDENT FUND AND OTHER STAFF COSTS

 

       498,811,099

       422,538,913

  2. COMMISSION, EXCHANGE & BROKERAGE

 

                7,046,420

               2,246,351

  3. DIRECTORS AND LOCAL COMMITTEE MEMBERS FEES AND ALLOWANCE

 

           3,252,740

           2,597,190

 

                               -  

                              -  

  4. RENT, TAXES, INSURANCE AND LIGHTING ETC

17

         81,598,551

         75,255,210

 

                               -  

                              -  

  5. LAW CHARGES

 

           1,336,880

              1,500,167

3.OTHER INCOME -

15

              86,968,014

             92,007,238

  6. POSTAGE, TELEGRAMS AND TELEPHONE CHARGES

18

         16,642,451

         13,674,557

 

 

 

  7. AUDITORS' FEES

 

           7,880,500

           6,036,140

 

 

 

  8. DEPRICIATION ON BANK'S ASSETS

 

       86,874,946

       91,892,153

 

 

 

  9. STATIONERY, PRINTING & ADVERTISEMENT

19

         18,079,91s

         20,506,986

 

 

 

10. LOSS FROM SALE OF OR DEALING WITH NON-BANKING ASSETS

 

 

 

 

 

 

11. OTHER EXPENDITURE

20

       350,750,724

       366,730,399

 

 

 

12. BALANCE OF PROFIT

 

       308,255,128

       302,877,795

 

 

 

TOTAL

 

   5,117 160 837

   4,595,232,714

TOTAL

 

        5 117, 160,837

       4,595,232,714

 

             

PROFIT AND LOSS APPROPRIATION ACCOUNT

EXPENDITURE

SCH.
NO.

 FOR THE
YEAR ENDED
31.3.2020
Rs.

 FOR THE
YEAR ENDED
31.3.2019
Rs.

INCOME

SCH.
NO.

 FOR THE
YEAR ENDED
31.3.2020
Rs.

 FOR THE
YEAR ENDED
31.3.2019
Rs.

Provision for Income Tax

 

          55,000,000

     45,000,000

Balance of Profit

 

        308,255,129

        302,877,795

Provision for deferred tax liability - net

 

 -

           -

Provision for deferred
tax asset - net

 

 -

                           -  

Provision for GRATUITY

 

          20,000,000

     25,000,000

 

 

 

 

Provision for pay arrears

 

 -

           -

 

 

 

 

Net Profit for the year

 

        233,255,128

   232,877,795

 

 

 

 

Total 

 

        308,255,128

   302,877,795

Total 

 

        308,255,128

        302,877,795