SCHEDULES FORMING PART OF BALANCE SHEET AS ON MARCH 31, 2023

 Amount in Rs.

As at 31-03-2023

 As at 31-03-2022

SCHEDULE - 1

CAPITAL

(i) Authorised Capital

2,00,00,000 'A' class shares of Rs.25/- each

50,00,00,000

50,00,00,000

4,00,000 'B' class shares of Rs.5/- each

20,00,000

20,00,000

50,20,00,000

50,20,00,000

(ii) Issued and Subscribed Capital

(Held by Individuals and Others)

1,00,46,145 (previous year's 1,01,56,699) A class shares of Rs.25/- each

25,11,53,625

25,39,17,475

0 (previous year's 0) 'B' class shares of Rs. 5/- each

Add: Acceptance of share capital during the year 21,378 (PrYr 23,824)

5,34,450

5,95,600

Less: Refund of share capital during the year 2,56,195 (Pr. Yr 1,34,378)

(64,04,875)

(33,59,450)

Total

24,52,83,200

25,11,53,625

SCHEDULE - 2

RESERVES AND SURPLUS

(i) Statutory Reserve

Opening Balance:

13,33,82,601

11,56,35,428

Additions during the year

1,32,48,047

1,65,76,115

Transfer from Unclaimed Dividend

11,71,040

11,71,058

Total

14,78,01,688

13,33,82,601

(ii) General Reserve

Opening Balance:

8,07,55,817

7,82,54,957

Additions during the year

6,110

25,00,860

Total

8,07,61,927

8,07,55,817

(iii) Investment Fluctuation Reserve

Opening Balance:

2,09,52,164

2,09,52,164

Additions during the year

1,03,81,000

(deductions during the Year)

Total

3,13,33,164

2,09,52,164

(iv) Depreciation Reserve for Investments

Opening Balance:

3,10,80,500

3,68,10,500

Additions during the year (MTM)

1,17,57,000

55,58,000

(deductions during the Year)

(1,12,88,000)

Total

4,28,37,500

3,10,80,500

(v) Common Good Fund

Opening Balance:

5,54,978

4,41,933

Additions during the year

5,29,922

6,63,045

(deductions during the Year)

(5,50,000)

(5,50,000)

Total

5,34,900

5,54,978

(vi) Education Fund

Opening Balance:

17,12,090

15,86,011

Additions during the year

1,50,000

1,50,000

(deductions during the Year)

(1,54,209)

(23,921)

Total

17,07,881

17,12,090

(vii) Special Reserve U/s 36 (i) (viii) of I.T ACT

Opening Balance:

63,65,355

58,36,555

Additions during the year

8,34,501

5,28,800

Total

71,99,856

63,65,355

(viii) BALANCE IN PROFIT AND LOSS

Profit brought forward of previous year

13,13,37,816

12,94,34,693

Less: Appropriations out of previous year including transfer to IFR

(6,20,08,969)

(5,79,89,160)

Balance profit of previous year

6,93,28,847

7,14,45,533

Less: Income Tax Provision of Earlier Years

(45,35,833)

74,28,898

Profit for the year

7,66,13,752

5,29,92,185

Less:Appropriation towards special reserve U/s. 36 (i) (viii) of IT Act

(8,34,501)

(5,28,800)

Deferred tax of earlier years

Total

14,05,72,265

13,13,37,816

Total

45,27,49,181

40,61,41,321

SCHEDULE : 3

DEPOSITS:

(i) Demand Deposits

a) Current Deposits

26,97,74,019

18,98,17,817

b) Savings Bank Deposits

58,55,31,630

53,08,51,047

c) Credit Balances in CC/OD a/cs

2,11,47,284

1,55,51,964

(ii) Term Deposits

(i) Fixed Deposits

4,29,03,31,035

3,97,18,20,466

Total

5,16,67,83,968

4,70,80,41,294

SCHEDLUE : 4

BRROWINGS:

Nil

 Nil

(i) From Reserve Bank of India,State/Central

Co-operative Bank: - State Co-op Bank

(ii) From Other Banks

-

-

(iii) From Other institutions and agencies

-

-

Total

Nil

 Nil

SCHEDULE : 5

OTHER LIABLITIES & PROVISIONS

(a) Inter-office adjustments(net)

-

-

(b) Interest accrued on Deposits

3,99,12,573

3,71,52,348

(c) Unclaimed Dividends

53,08,087

47,26,482

Less Transfer to Statutory Reserve

(11,71,040)

(11,71,058)

Sub total

41,37,047

35,55,424

(d) Others (Details enclosed)

12,07,50,683

15,34,44,768

Total

16,48,00,303

19,41,52,540

Details of "Others' under Other Liabilities & Provisions

(i) Overdue interest reserve (contra)

2,66,84,390

3,03,79,736

ii) Bankers cheque/pay order

73,04,713

4,98,00,090

iii) Demand Drafts Payable

81,64,103

83,78,639

iv) Outstanding Liabilities

19,42,595

13,95,501

v) Sundry creditors

3,88,721

1,99,679

vi) Clearing

84,750

1,18,187

vii) Unclaimed Deposits

28,84,856

26,77,309

viii) TDS payable

90,42,299

86,52,051

ix) Provision for Gratuity

96,53,673

1,02,11,801

xi) Provision for Bad & Doubtful debts

2,75,02,603

2,40,99,381

xii) Provision for leave encashment

2,57,875

2,81,406

xiii) Provision for other Contingencies

50,00,000

50,00,000

xiv) Provision for other Expenses

13,13,240

13,13,240

Provision for Depreciation on Bonds

29,05,475

-

xv) Provision for Standard Assets

1,12,88,220

98,79,914

xvi) Provision for Income Tax (net of tax)

59,44,195

2,31,361

xvii) GSTPayable

3,43,732

7,81,230

xx) Sundry Creditors PO's Refund

26,381

26,381

xxi) BBPS Funded

18,862

18,862

Total

12,07,50,683

15,34,44,768

SCHEDULE: 6

CASH AND BALANCES WITH RBI

I) In hand

6,08,01,799

3,88,75,708

ii) Balance with Reserve Bank

a) In Current Account

19,26,07,620

19,18,80,086

b) In Other Accounts

Total

25,34,09,419

23,07,55,794

SCHEDULE: 7

BALANCE WITH OTHER BANKS AND MONEY AT CALL AND SHORT NOTICE:

I Balances with Banks

 (i) In Current Accounts

8,57,06,070

14,80,95,844

 (ii) in Other Deposit Accounts

35,15,49,935

33,88,41,814

II Money at Call & Short Notice

(i) With Banks

-

-

(ii) With Other Institutions

29,00,00,000

55,00,00,000

Total

72,72,56,005

1,03,69,37,658

SCHEDULE: 8

INVESTMENTS

i) Govt. Securities

1,51,57,53,713

1,54,62,76,986

ii) Other Approved Securities

-

-

iii) Shares

-

-

iv) Debentures and Bonds

17,35,80,224

17,35,80,224

iv) Others - Commercial Paper

1,97,50,500

1,97,50,500

Total

1,70,90,84,437

1,73,96,07,710

SCHEDULE : 9

ADVANCES: (Ref: Schedule -19 Note No: B (v)

I

i.Bills purchased and discounted

76,64,690

35,94,155

ii. Cash Credits, Overdrafts and Loans payable on demand

2,11,51,61,316

1,88,51,86,545

iii. Term Loans

1,10,35,68,265

55,33,96,218

Total

3,22,63,94,271

2,44,21,76,918

II

i. Secured by tangible assets

3,20,27,17,680

2,43,87,73,919

ii. Covered by Bank / Government Guarantee

-

-

iii. Unsecured

2,36,76,591

34,02,999

Total

3,22,63,94,271

2,44,21,76,918

III

i. Priority sector

2,15,33,15,000

1,70,42,25,000

ii. Public sector

iii. Banks

iv. Others

1,07,30,79,271

73,79,51,918

Total

3,22,63,94,271

2,44,21,76,918

IV

Sub-Classification

Short Terms Loans- Cash Credit, Overdraft, Bills Discounted & other ST Loans

2,12,28,26,006

1,88,87,80,700

Medium Term Loans

12,66,41,370

2,72,79,461

Long Term Loans

97,69,26,895

52,61,16,757

Total

3,22,63,94,271

2,44,21,76,918

SCHEDULE: 10

OTHER FIXED ASSETS (INCLUDING FURNITURE & FIXTURES)

At Cost on 31st March of the preceeding year

3,81,66,813

3,80,64,044

Additions during the year

37,83,855

1,56,792

4,19,50,668

3,82,20,836

Deduction during the year

(14,90,227)

(54,023)

4,04,60,441

3,81,66,813

Depreciation to date

(2,35,24,549)

(2,23,33,066)

Total

1,69,35,892

1,58,33,747

SCHEDULE: 11

OTHER ASSETS:

(i) Interest receivable

On Investments

3,63,18,175

2,55,04,720

On Non Performing advances (contra)

2,66,84,390

3,03,79,736

ii) Stationary and Stamps

9,72,568

9,85,628

iii) Income Tax refund receivable

7,74,759

2,09,87,880

iv) Income Tax Refund Receivable from Income Tax Department

1,42,92,445

-

iv) Deferred Tax Asset

1,03,10,920

97,92,610

v) Others (Details enclosed)

71,83,371

65,26,379

Total

9,65,36,628

9,41,76,953

Details of "Others" under Other Assets:

i) Staff advances

8,27,400

8,21,900

ii) Prepaid expenses

4,45,686

1,85,186

iii) Telephone Deposit

1,55,995

1,55,995

iv) Rental Deposit

53,34,292

50,20,976

v) Electricity Deposit

1,41,422

1,33,422

vi) UPI Settlement Account

69,676

-

vii) Sundry Debtors

2,08,900

2,08,900

Total

71,83,371

65,26,379

SCHEDULE: 12

Cotingent Liability

i) Claims against the Bank not acknowledged as Debts

ii) Guarantees given on behalf of Constituents

98,50,000

2,23,50,000

iii) Acceptances, Endorsements and Other Obligations

-

-

iv) Income Tax Demands

-

34,78,050

v) Amount Transferred to DEAF

1,52,32,309

1,42,51,353

vi)Other items for which the bank is contingently liable

2,38,742

2,38,742

Total

2,53,21,051

4,03,18,145

SCHEDULE: 13

INTEREST EARNED

Interest/ Discount on Advances / Bills

33,40,89,470

32,11,39,934

Income on Investments

12,01,74,995

11,77,54,350

Interest on Balances with RBI and Other Inter Bank Funds / Call Money lending

5,35,56,639

2,80,79,856

Total

50,78,21,104

46,69,74,140

SCHEDULE: 14

OTHER INCOME

Commission, Exchange and Brokerage

5,47,740

10,73,145

Interest on Income Tax Refund

51,43,327

-

Incidental Charges

27,209

1,50,161

Income on Lockers

10,55,550

10,14,055

Miscellaneous Income

2,25,13,241

1,25,58,347

Excess Provision written back-Standard Assets

-

29,48,117

Profit / Loss on sale of Investments

-

(22,81,187)

Total

2,92,87,067

1,54,62,638

SCHEDULE: 15

INTEREST EXPENDED

Interest on Deposits

32,82,01,854

32,74,24,887

Interest on RBI / Inter Bank Borrowings

494

1,030

Others

Total

32,82,02,348

32,74,25,917

SCHEDULE: 16

OTHER OPERATING EXPENSES

Rent, Taxes and Lighting etc

1,17,87,112

1,03,26,625

Insurance

59,60,776

57,05,534

Law Charges

8,01,854

1,63,500

Postage, Telegrams & Telephone Charges

4,43,250

3,75,761

Auditors fees and Expenses

1,65,000

1,50,000

Depreciation on Bank's Property

25,60,708

27,86,395

Repairs & Maintenance

11,99,584

12,84,184

Mobile Banking / IMPS charges/UPI CHARGES

3,30,000

-

Interest on Income Tax

14,54,445

-

Printing, and Stationery

8,97,556

4,55,574

Advertisement and Publicity

10,90,551

9,19,415

Director's Fees, Allowances and Expenses

15,53,700

6,37,500

Ineligible Credit on GST

20,75,993

18,91,135

Other Expenditure

1,33,70,665

1,41,99,322

Total

4,36,91,194

3,88,94,945

SCHEDULE: 17

PROVISIONS AND CONTINGENCIES:

Provision for Gratuity

12,86,875

4,76,042

Provision for Leave Encashment

2,57,875

2,81,406

Provision for Bonus / Exgratia

3,40,195

3,17,917

Provision for Standard Assets

14,08,306

-

Provision for Depreciation on Investments charged during the year

1,17,57,000

55,58,000

Provision for Depreciation on Bonds

29,05,475

-

Provision for Depreciation on Investments reversal of last year

-

(22,77,514)

Provision for Bad & Doubtful Debts

34,03,221

47,00,000

Provision for contested case

2,90,002

-

Total

2,16,48,949

90,55,851