ANNUAL REPORT

BALANCE SHEET AS ON 31ST MARCH, 2013
31.03.2012 CAPITAL AND LIABILITIES 31.03.2013
Amount in Rs.
Amount in Rs.
75619300.00 1 CAPITAL

86621850.00


Authorised capital 2000000 shares @ Rs. 100/- each
200000000.00


Subscribed capital




Above held by




(a) Individuals
86621850.00


(b) Co-operative institutions
-


( c) State Government
-
120198208.60 2 RESERVE AND OTHER RESERVES

132437919.88


(a) Statutoory Reserve funds
57325202.64


(b) Building Funds
34326586.96


( c) Bad & Doubtful Debts Reserves
34130690.78


(d) Other Fund & Reserves
6655439.50


(to be Specified)




(i) Staff Welfare Fund 2452194.50



(ii) Charity Fund 1350500.00



(iii) Co-op. Education Fund 352745.00



(iv) Investment Flucataction 1700000.00



(v) Mebber Welfare Fund 800000.00

1453977323.00 3 DEPOSIT AND OTHER ACCOUNTS

1674559538.14


(a) Fixed deposit




(i) Individuals
1181474580.00


(ii) Central Co-opereative Banks
-


(iii) Other societies
59553891.00


(b) Saving Bank Deposits




(i) Individuals
350981921.81


(ii) Central Co-opereative Banks
-


(iii) Other societies
28452098.96


( c) Current Deposits




(i) Individuals
27406439.78


(ii) Central Co-opereative Banks
-


(iii) Other societies
1451058.09


(d) Money at call & short notice
-


(e) Recurring deposit
21098963.00


(f) Other Specified
4140585.50


(i) Staff Security 115000.00



(ii) No. Frills 103541.00



(iii) M.I.S. 1172000.00




2750044.50

46762377.83 4 BORROWINGS

1615354.97


H.D.F.C. Bank
1615354.97
39164368.00 5 BILLS FOR COLLECTION BEING

1186691.01


BILLS RECEIVABLE




As per contra


18298.00 6 BRANCH ADJUSTMENTS

0.00
24211576.00 7 PROVISIONS

35795814.00


(a) For Overdue Intt
5710393.00


(b) On Standard Assets
3472706.00


( c) For Bonus
635165.00


(d) For N.P.A.
9184193.00


(e) For Expenses A/c
39365.00


(f) For Office Rent
54000.00


(g) For Income Tax
11567200.00


(h) For B.D.D.R
5132792.00
126415800.00 8 INTEREST PAYABLE ON DEPOSIT

147736607.00
31039663.25 9 OTHER LIABILITIES

36493945.72


(a) Bills Payable
4270972.23


(b) Unclaimed dividends
7730397.00


( c) Sundries Creditors
3189719.79


(d) Other Specified
21302856.70


(i) Share App. Money 5145.00



(ii) Share Capital Refundable 306775.00



(iii) Audit Fee Payable 250000.00



(iv) Clearing House Adju. 950.00



(v) T.D.S. Payable 49136.70



(vi) Staff Leave Encast Fund 4051701.00



(vii) Staff Gratuity Fund 6985664.00



(viii) Staff Providend Fund 255936.00



(ix) Proposed Div. Year 2010-11 8947638.00



(x) L.A.G.S 911.00

35274462.26 10 PROFIT & LOSS

22189237.16


Profit as par year 2012-13
22189237.16
















































1917433476.51 GRAND TOTAL 245017649.86
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








BALANCE SHEET AS ON 31ST MARCH, 2013
31.03.2012 PROPERTY AND ASSETS 31.03.2013
Amount in Rs.
Amount in Rs.
16617526.87 1 CASH IN HAND

12970525.70
674585621.58 2 BALANCE WITH OTHER BANKS

666381563.14


(a) Current Deposit
60731906.14


(i) S. B. B. J. 18717988.63



(ii) J.C.C.B 2244211.18



(iii) I.C.I.C.I 17476640.24



(vi) V.U. Co-Op. Bank 2163.00



(v) H.D.F.C. (ATM SUB ME.) 4224431.91



(vi) B.O.B. 83611.08



(vii) AXIS Bank 13153436.96



(viii) P.N.B. 53979.00



(ix) R.S.C.B. 1862103.59



(x) D.B.I. 13082.21



(xi) B.CCB. 1162407.00



(xii) Sirohi C.C.B. 1038312.00



(xiii) S.B.I 76073.00



(xiv) H.D.F.C. (ATM Incoming) 623466.34



(b) Fixed Deposits
605649657.00


(i) R.S.C.B. LTD. 28900000.00



(ii) J.C.C.B 456087391.00



(iii) H.D.F.C. 70000000.00



(iv) B.C.C.B 20000000.00



(v) S.B.B.J. 10662266.00



(vi) AXIS Bank 20000000.00

374164147.00 3 INVESTMENT

444110188.00


(a) Central Govt.
328056912.00


(b) State Govt.
111035276.00


(c ) Other Trustee securities
5016000.00


(d) Share in Co-operative
2000.00
754449613.47 4 LOAN & ADVANCES

885056291.00


(a) Short-term loan
232537578.09


(b) Medium Term Loan
177683197.20


(c ) Long Term Loan
97075412.24


(d) Staff Loan
601459.00


(e) Personal Loan
31602350.00




















(f) Other Short Term Loan
345556293.87


(i) LAFD 16509471.50



(ii) LARD 420538.00



(iii) STAFF C.C 4672809.88



(iv) L.A.O.D. 43162433.65



(v) L.A.T.F. 2929365.06



(vi) L.A.T.M. 32808444.00



(vii) G.E. Loan 6773976.00



(viii) M.L. Loan 159650933.00



(ix) C.M. Loan 72966984.78



(x) Gold Card Loan 3197838.00



(xi) V.C. Loan 2457625.00



(xii) S.D. Loan 5876.00

51286196.01 5 INTEREST RECEIVABLE

79652231.01


(a) From Investment
71363301.00


(b) From Loan & Advances
2578537.01


(c ) Interest on overdue
5710393.00
3916468.00 6 BILLS FOR COLLECTION BEING

1186691.01


BILLS RECEIVABLE As per Contra
1186691.01
291392.00 7 BRANCH ADJUSTMENTS

0.00
5437005.00 8 PPREMISES LESS DEPRECIATION

5437005.00
11569632.93 9 FURNITURE AND FIXTURE

15129524.50


(a) Computer Software
2224995.06


(b) Furniture and Fixture
8329028.10


(c ) Computer harware
3577691.62


(d) Electricals appliance
984082.74


(e) Vehicle
13726.96
25115873.65 10 OTHER ASSETS

28712938.52


(to be specified




(a) Stationary
1300087.52


(b) Telephone Security
97780.00


(c ) Adhesive Stamp
146600.00


(d) Library
15122.50


(e) Electricity Security
8542.00


(f) Advance Income Tax
9000000.00


(g) Sundry Debtors
865179.00


(h) Income Tax Refundable
4535391.00


(i) T.D.S. Receivable
116112.00


(J) Staff Leave Encashment with LIC
4051701.00


(k) Staff Grauity Fund with LIC
7985664.00




590759.50
97616567.59 GRAND TOTAL 130118390.04
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


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