ANNUAL REPORT

JALORE NAGRIK SAHAKARI BANK LIMITED JALORE
Form – A
FORM OF BALANCE-SHEET(AUDITED)
Balance-Sheet as on Dated : 31.03.2019
31.03.2018 CAPITAL & LIABILITIES
31.03.2019 31.03.2018 PROPERTY & ASSETS 31.03.2019
114335350 1.CAPITAL

117985300 47138328 1.CASH IN HAND
67565170

Authorised Capital of Rs. 20,00,00,000/-

508527770 2.BALANCE WITH OTHER BANK 527403514

2000000 shares @ 100/- each



(a)Current Deposit 172454563

Subscribed Capital


i) State Co-Operative Bank 30212


Above held by



ii) Central Co-Operative Bank 17517806


(a) Individuals
117985300

iii) Nationalize Bank 85811524


(b) Co_operative instttutions -

iv) Other Bank 69095021


(c) State Government -





210335586 2.RESERVE FUND AND OTHER RESERVE 222407850
(b)Fixed Deposit 354948951

i) Central Co-Operative Bank 30000000

(a) Statutory Reserve fund 96836062

ii) Nationalize Bank 21863596


(b) Building Fund 34422595

iii) Other Bank 303085355


(c) Bad & Doubtful Debts Reserve 59530691






(d) Other Fund & Reserves 31618502
1203597892 3.INVESTMENT

1348574394






(a) Central Govt. Securities
757343121
2683199669 3.DEPOSIT AND OTHER ACCOUNTS:

2917684670
(b) State Govt. Securities
282905273

(a)Current Deposits



(c) Treasury Bill
48315000

(i) Individuals
56379146

(d) Other Trustee securities
0

(iii)Other societies
2098626

(e) Liquid Mutual Fund
260000000

(b) Saving Bank Deposits



(f) Shares of Co-op. Institute
11000

(i)Individuals
838249736
1400717448 4.LOAN & ADVANCES

1481290153

(iii)Other societies
40514545

(a) Short Term Loan
534575660

(c)Fixed deposits



(b) Mediun Term Loan
607406560

(i)Individuals
1852942613

(c) Long Term Loan
235131851

(iii)Other societies
96633244

(d) Staff Loan
21766861

(d)Money at call & short notice
-

(e) Loan against Deposit
82409221

(e)Recuring deposit
21911182






(f)Other Specifed
8955578
56307680 5.INTEREST RECEIVABLE

59513172

(i) Staff Security 150500


A) From Investment
33176276

(ii) No.Frills 126799


B) From Loans & Advances
26336896

(iii) M.I.S. 1225000







(iv) Credit Balance of Loan a/c 7453279

1592610 6.BILLS FOR COLLECTION BEING
1289002
1592610 4.BILLS FOR COLLECTION BEING BILLS

1289002
BILLS RECEIVABLE As per contra


RECEIVABLE As per contra


0 7.BRANCH ADJUSTMENTS
0
0 5.BRANCH ADJUSTMENTS

0 14436286 9.PREMISES LESS DEPRECIATION
13866748
80036169 6.PROVISIONS

91361647
a) Building
5125843

a) For Overdue Interest
18597868

b) Land
8740905

b) On Standard Assets
6030546
18874378 10.FURNITURE AND FIXTURE
17874587

c) For Bonus
865463

A) Computer Software
709237

d) For N.P.A.
43022386

B) Funiture & Fixtures
12364381

e) For Expenses
130692

C) Computer Hardware
1198920

f) For Contingent Liability
2738000

D) Electricals Appliance
3553187

g) For Income Tax
13200000

E) Vehicle
48862

i) For B.D.D.R.
6776692










23772774 11.OTHER ASSETS

25868365
133123721 7.INTEREST PAYABLE ON DEPOSIT

133354278
a) Stationary
2311052
28904030 8.OTHER LIABILITIES

34680121
b) Telephone Security
99224

(a) Bills payable
7837182

c) Adhesive Stamp
760480

(b) Unclaimed dividends
18539650

d) Library
23428

(c) Sundry Creditors
3112918

e) Electricity Security
14192

(d) Other Specified
5190371

f) Advance Income Tax
12500000

(I) Share App.Money 3130


g)TDS Receivable
178842

(ii) Share Capital Refundable 305475


h) Income Tax refundable
5682790

(iii) Audit Fee Payble 224000


i) DEAF A/c (RBI)
2323593

(iv) T.D.S.Payble 3177550


j) HDFC Life Ins.Co. Ltd.
197086

(v) GST Payable 353957


k) TDS Recoverable on FDR From Customer
1705341

(vi) Clearing House Adjustment 1126259


l) Sundry Advances
72337










23438031 9.PROFIT & LOSS

24482237





Profit as per year 2018-19
24482237















3274965166 GRAND TOTAL 3543245105 3274965166 GRAND TOTAL 3543245105










As per audit report of even date : 29 Aug 2019








For M/s Jain Singh & Associates








Chartered Accountants
FRN 017795C

















Partner (Harish Ojha) (P.L. Songara) (Raju Choudhary)
(CA Nitin Solanki)
(Arihant Jain) Manager (Admi.) C.E.O. Vice Chairman
Chairman
M. No - 421751







UDIN : 19421751AAAAAJ8888







JALORE NAGRIK SAHAKARI BANK LIMITED JALORE
FORM B
Form of Profit and Loss Account
PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31.3.2019
31.03.2018 EXPENDITURE 31.03.2019 31.03.2018 INCOME 31.03.2019
271955522 To Interest on Deposits, borrowings etc. 268204011 370133779 By Interest and discount 382284673
34973405 To Salaries & allowances and provident fund 38689094 4411024 By Commission, exchange and brokerage 5485522
178899 To Directors Meeting Fee & allowances 389774 50658 By Interest Received on I.T. Refund 0
10226680 To Rent,taxes,insurance, lighting,etc. 10398732 7635060 By Other receipts 8750113
402751 To Law & Professional Charges 407850 6278104 By Profit-Maturity of Govt Security 462000
541560 To Postage,telegrams & telephonic charges 429578


537777 To Auditor's fees 588610


1223673 To Repairs & Maintenance 594244


1788221 To Stationery,printing and advertisement,etc. 1670612


106975 To Amortization of Premium paid on Investment 40645


9459755 To Other expenditure 8911749


0 To Provision for Contingent Liabilities 738000


8455156 To Provision for Investment Depreciation 9621847


7052219 To Provision for N.P.A. 10407300


706971 To Provision on standard Assets 259799


2480000 To Provision For B.D.D.R. 3251000


5346030 To Depreciation 4697226


9635000 To Provision for Income Tax 13200000


23438031 To Net Profit 24482237














388508625 TOTAL 396982308 388508625 TOTAL 396982308






As per audit report of even date : 29 Aug 2019









For M/s Jain Singh & Associates



Chartered Accountants
FRN 017795C







(Harish Ojha) (P L Songara)
(Raju Choudhary) (CA Nitin Solanki)
(Arihant Jain)




Partner Manager (Admi) C.E.O.
Vice Chairman Chairman
M.No - 421751




UDIN : 19421751AAAAAJ8888



PROFIT & LOSS A/C FOR THE YEAR ENDED 31ST MARCH, 2013
31.03.2012 EXPENDITURE 31.03.2013
Amount in Rs.
Amount in Rs.
178466651.91 To Interest on Deposit, Borrowings etc. 207977698.96
3199376.00 To Provision for Interest on Matured Deposits 0.00
15832331.00 To Salaries & allownaces and provident fund 26014826.30
118708.00 To Directors and local committee member's 135839.00

fee & allowances
9486308.00 To Rent, taxes, insurance, lighting etc. 4777819.00
416360.00 To Law & Professional Charges 142177.00
397621.00 To Postage, telegrams & telephone charges 480917.00
218687.00 To Auditor's fees 316692.00
504747.50 To Repair & Maintenance 628743.00
1820172.79 To Stationery, printing and advertisement etc. 1897672.79
34959.00 To Amortization of Premium paid on 53959.00

Investment
1449.00 To Commission Paid 61.00
2182453.01 To Other expenditure 2204235.45
2349209.00 To Provision for N.P.A. 3088722.00
1878724.00 To Provision for Overdue Interest 0.00
887265.00 To Provision on standard Assets 599144.00
2332792.00 To Provision for B.D.D.R. 2800000.00
2551403.54 To Depreciation 4374543.43
8887182.00 To Provision for Income tax 11567200.00
16006260.24 To Net profit 22189237.16
247572659.99 TOTAL 289249487.09



31.03.2012 INCOME 31.03.2013
Amount in Rs.
Amount in Rs.
242041268.09 By Interest and discount 284826338.51
1793475.44 By Commission, exchange and brokerage 1210677.40
3737916.46 By Other receipts 3212471.18



247572659.99 TOTAL 289249487.09
As per audit report of even date 31.07.2013



Chartered Accounts

(Abhishek Sharma) (Harish ojha) (M.L. Khatri)
Partner Manager (Adm.) C.E.O.



(CA I.S. Bhandari) (CA Mohan Parashar)
Vice Chairman Chairman