jtmto bttk fhujt vt{dtr;t lte ljtf hfbtbttk 2017...jtmto bttk fhujt vt{dtr;t lte ljtf hfbtbttk (...

JtMto bttk fhujt vt{dtr;t Ljtf hfbtbttklte ( fhtuzbttk)

Prime Co-operative Bank Ltd.Control Center : "Prime House", Plot No. B-123, Udyognagar, Road No. 9, Udhna, Surat - 394 210 Ph: 2804777

UdhnaKhatodara[Main Br]Bhulka Bhavan BrKatargam GIDC Br.Lalgate Br.Bhatar Br.Sardar Market Br.City Light Br.Palanpur patia Br.Udhana Pandesara Br.Jahangitpura Br.Kapodara BrAmroli

28047012344949,2339988,23389892789891,27925332482223,2489397,24814142414836,2440821,2411592237242,22308992351319,23398662254103,22521682768674,27611512896060,289418327648002544600,25448002494777, 2496777

VapiNavsari BrKadodara BrBharuch Br (Station Road)Bharuch (Zadeshwar Road)Bardoli BrVyara BrBilimora BrAnkleshwar Br

0260-2424177, 242517702637-232763,23276402622-27229902642-222583,22258402642-247287-8802622-226810,22970702626-220653,22065402634-2899925,28992602646-222585,222586

South Gujarat

Surat City [0261]

Central Gujarat Dandiya Bazar Br.Kareli Baugh Br.Sayajigunj BrBajawa Br.Padara Br.Karjan Br.Dabhoi Br.Bodeli Br.Chhota Udepur Br.

0265-2459197-98,24176120265-24613200265-22252780265-223103202662=22422202666-23244102663-25734602665-22231102669-232080

FOREX Dept. 0261-2344949

NadiadSanandGodharaMani Nagar[Ahemdabad]Bayad [Dist : Aravalli]

0268-2551962,255196302717-22213102672-243204079-25462414-1502779-222069

Jtmtwjt ytJtujt Ntuh CtkztuG

fwjt mtCttmt'tu

rhLJto Vkz yltu ylgt rhLJto Vkz

:ttvtKttu - btw';te ctat;t attjtw

r"thtKttu

htuftKttu dtJtltobtulx/bttlgt rmtfgttuhexe lttKttkfegt mtkm:ttytu SnuhHtu*tlttk mttnmttu ctulftu X¡$åV$ a„X$L$p¡g d“u

ftgtofthe CtkztuG

ftattu ltVtu

attuFFttu ltVtu

ftumx ytuV rzvttuLexTmt

r"thtKt vth JtG;th

dt{tumt yultvteyu

ltux yultvteyu

yturzx Jtdto

fbtoatthedtKt

NttFtt

`

%

%

`

23.31

18,211

64.14

687.17244.38189.27 1120.82

538.63

598.80

422.870.010.50

120.9244.50

20.13

% 6.76

12.07

6.02 (1.12 )%

%%y^^

336

36

fhs

htufz yltu ctulf ctujtulmt

0.01

65.09

0.00

10.00

1252.36

10.64

1

PRIME CO-OP BANK LTD

Policy StatementWe

The Chairman

Board of Directors

& the Staff Team of

Prime Bank

Pledge ourselves to

continued progress,

Continued improvisation in

customer-services methods,

Continued update on

technology count &

Continued widening of

business horizon with

excellent, personal-touch

relationship with

every customer

...today & at all times.

Gokul Bakshi - Foundur Chairman

Anand Bakshi - Chairman

Champaben Makwana - Vice Chairperson

Radhakishan Ruchandani - Mg. Director

Mukesh Bombaywala

Dharmesh Chorawala

Kanubhai Tailor

Dhiraj Shah

Kishor Bhrambhatt

Rajnikant Kapadia

Parimal Vyas

Board of Directors

jttgtmtlmt ltk & gtwcteze./Bgtwsu/1135 vte. ;tt. 06-05-1995hBmx[uNtlt ltk. & yumtyu-2775 ;tt. 03/08/1994

- Chairman

2


hprj®L$ kp^pfZ kcp“u “p¡V$uk

Ap’u S>Zphhpdp„ Aph¡ R>¡ L¡$, b¡ÞL$“p„ kcpkv$p¡“u Qp¡hukdu hprj®L$ kp^pfZ kcp

d„Nmhpf sp. 27-06-2017 “p fp¡S> kp„S>¡ 5.00 L$gpL¡$ kfv$pf dpL£$V$ Ap¡qX$V$p¡fued, Xy„$cpg,

(kyfs) Mps¡ “uQ¡ S>Zph¡g L$pe®hplu L$fhp dmi¡.

1. bp¡X®$ Ap¡a qX$f¡¼V$k£ fS|> L$f¡g sp. 31-03-2017 hjp®Þs“p„ Ap¡qX$V$f âdpZ‘Ó kp’¡“p„

Al¡hpg, kfh¥ey„, “ap-sp¡V$p“p„ rlkpb rhN¡f¡ d„S|>f L$fhp.

2. bp¡X®$ Ap¡a qX$f¡¼V$k®“u cgpdZ dyS>b 2016-17 hj®“p Qp¡¿Mp “ap“u apmhZu d„S|>f

L$fhp s¡dS> s¡ hj®“y„ qX$rhX$ÞX$ Ål¡f L$fhp.

3. qX$rhX$ÞX$ C[¼hgpCT¡i“ a„X$“¡ õV¡$ÃeyV$fu fuTh® Mps¡ sbv$ug L$fhy„.

4. d„S|>f ’e¡g hkygps “urs A“ykpf bp¡X®$ Ap¡a qX$f¡¼V$k£ L$f¡g hkygps “¡ blpgu Ap‘hp.

5. Ó¡hukdu hprj®L$ kp^pfZ kcpdp„ d„S|>f L$f¡g ‘¡V$pL$pev$p “p ky^pfp d¡. fÆõV²$pfîuA¡ d„S|>f

L$f¡g lp¡e s¡“u “p¢^ g¡hp.

6. ‘qfriô$ dyS>b bp¡X®$ Ap¡a qX$f¡¼V$k£ cgpdZ L$f¡g ‘¡V$p L$pev$p“p ky^pfp h^pfp blpg

fpMu d¡. fÆõV²$pfîu“u d„S|>fu d¡mhhp s’p s¡“¡ Adgu b“phhp.

7. âdyM õ’p“¡’u ANf âdyMîu“u d„S|>fu’u AÞe S>¡ L$pd fS|> ’pe s¡.

bp¡X®$ Ap¡a qX$f¡¼V$k®“p Apv$¡i’u

rhS>e ‘pf¡M

A¡[¼T¼eyV$uh qX$f¡¼V$f

kyfs.

spfuM : 12-06-2017

lº„ A“¡ dpfp¡ kde b„“¡ R>uA¡ kfMp,

“’u A¡ dpfy„ dp“sp¡...

“’u lº„ A¡“¡ dp“sp¡.

3


“p¢^ :-1. L$p¡fd“p Acph¡ dygshu fl¡gu kcp s¡S> qv$hk¡ s¡S> õ’m¡ A^p® L$gpL$ bpv$ dmi¡, S>¡“¡

L$p¡fd“p¡ bp^ fl¡i¡ “l].

2. kcpkv$¡ L$p¡C‘Z âï“, dprlsu, ‘|R>‘fR> L¡$ Mygpkp d¡mhhp lp¡e sp¡ sp. 21-06-2017

kyûdp„ b¡ÞL$“u D^“p Ap¡qak¡ g¡rMsdp„ S>Zphhy„, S>¡“¡ âdyMîu“u d„S|>fu dþe¡’u kpdpÞe

kcpdp„ fS|> L$fpi¡.

3. buX¡$g âh¡i ‘Ó hNf kcpM„X$dp„ âh¡i dmi¡ “l].

rhi¡j :-- i¥nrZL$ hj® 2016-17 v$fçep“ S>¡ kcpkv$p¡“p bpmL$p¡A¡ A¡k.A¡k.ku. A“¡

A¡Q.A¡k.ku. dp„ 70% L¡$ s¡’u h^y L¡$ N°¡ÄeyA¡V$ A“¡ ‘p¡õV$ N°¡ÄeyA¡V$ õsf¡ 60% ’u h^y NyZ

d¡mh¡g lp¡e s¡dS> d¡qX$L$g A“¡ A¡ÞÆr“ef]N X$uN°u n¡Ó¡ âh¡i d¡mìep¡ lp¡e A’hp sp¡ ku.A¡.

CÞV$f L¡$ apC“g ‘funp ‘pk L$fu lp¡e s¡Ap¡A¡ õL$p¡gfiu‘ dpV¡$ ‘qfZpd Ål¡f ’ep“p ÓZ

dpkdp„ b¡ÞL$“u D^“p Ap¡qak“p¡ k„‘L®$ L$fhp¡.

- NACH (C.ku.A¡k.) Üpfp qX$rhX$ÞX$ ku^y AÞe b¡ÞL$“p Mpspdp„ S>dp g¡hp, S>¡ kcpkv$p¡A¡

ap¡d® “ cey¯ lp¡e s¡Ap¡A¡, Ap dpV¡$“y„ ap¡d® sp. 21-06-2017 kyûdp„ cfu S>hy„.

- hj® 2013-14“y„ qX$rhX$ÞX$ sp. 26-06-2017 kyûdp„ hV$phu g¡hy„. Ðepfbpv$ A¡ fL$d ‘¡V$p

r“ed dyS>b õV¡$ÃeyV$fu fuTh® Mps¡ gC S>hpdp„ Aphi¡.

- S>¡ kcpkv$p¡A¡ “p¡rd“u“y„ “pd v$pMg “ L$fpìey„ lp¡e s¡Ap¡A¡ b¡ÞL$$dp„’u A¡ A„N¡“y„ ap¡d® d¡mhu

“p¡rd“¡i“ L$fphhy„ rlsphl R>¡.

- ‘p“L$pX®$ s¡dS> Ap^pfL$pX®$“u “L$g fSy> “ L$fu lp¡e s¡Ap¡A¡ s¡d“u “ÆL$“u âpCd b¡ÞL$“u

ipMpdp„ S>dp L$fphu v$¡hp„.

âcy sy„ ‘Z L$pfuNf “uL$þep¡

M¢Qu iy„ v$uû b¡ ÓZ f¡Mp s¢ lp’dp„

Ap cp¡mp¡ dp“hu A¡“¡ “kub dp“u b¡W$p¡.

4


bp¡X®$ Ap¡a qX$f¡¼V$k® hsu b¡ÞL$“p 24dp„ hprj®L$ Al¡hpg“u fSy>Aps

Apv$fZue kcpkv$ rdÓp¡,

Ap‘ kp¥“p kp’ klL$pf’u b¡ÞL¡$ 31 dpQ® 2017 hjp®Þs v$fçep“ L$f¡g âNrs“p¡ rlkpb s¡dS> b¡ÞL$“y„

L$pdL$pS> k„rnàsdp„, bp¡X®$ Ap¡a qX$f¡¼V$k® hsu Ap‘“u kdn fS|> L$fhp“u A“ydsu dp„Ny Ry>„.

rlkpbp¡ ê$r‘epdp„ -fuTh® b¡ÞL$ Ap¡a C[ÞX$ep, klL$pfu L$pev$p s¡dS> b¡ÞL$“p„ ‘¡V$p r“edp¡“¡ Apû“ S>ê$fu sdpd Å¡NhpCAp¡

bpv$, “pZp„L$ue hj® 2016-17 “p A„s¡ b¡ÞL¡$ ê$p. 10,63,50,280.93 “p¡ Qp¡¿Mp¡ “ap¡ “p¢^ph¡g R>¡.

A“y. rhNs dpQ® 2017Ly$g ìepS> hV$ph“u AphL$AÞe AphL$Ly$g AphL$ìepS> MQ®Ap¡‘f¡V$]N MQ®L$pQp¡ “ap¡Okpfp¡ s¡dS> AÞe Å¡NhpCAp¡AphL$ h¡fp ‘l¡gp “ap¡AphL$ h¡fp¡AphL$ h¡fp bpv$ “ap¡

1.2.3.4.5.6.7.8.9.10.

rlkpbp¡“p Ap„L$X$pAp¡“u kfMpdZudpQ® 2016

91,36,25,640.473,68,36,422.55

95,04,62,063.0258,87,87,691.9519,72,00,106.7016,44,74,264.372,44,45,415.00

14,00,28,849.374,05,17,032.009,95,11,817.37

1,01,12,57,545.8910,72,31,776.24

1,11,84,89,322.1369,34,72,405.8622,36,88,336.0320,13,28,580.242,01,10,739.50

18,12,17,840.747,48,67,559.81

10,63,50,280.93

kÐe A“¡ AkÐe hÃQ¡ A„sf L¡$V$gy„ ?

Np„û Apîd ’u Np„û“Nf S>¡V$gy„ !!!

5


“ap“u apmhZuD‘f S>Zph¡g “ap¡ “uQ¡ dyS>b apmhhp bp¡X£$ cgpdZ L$f¡g R>¡ S>¡ lº„ Ap‘“u d„Sy>fu dpV¡$ AÓ¡ fS|> L$fy„ Ry>„.

qX$rhX$ÞX$klL$pfu L$pev$p“u dlÑd dep®v$p“¡ Ýep“dp„ fpMu, “pZp„L$ue hj® 2016-17 dpV¡$ S>¡ kcpkv$p¡“p “pd

sp. 31-03-2017 “p„ fp¡S> b¡ÞL$“u i¡fbyL$dp„ “p¢^pe¡g li¡, s¡Ap¡“¡ 15% g¡M¡ qX$rhX$ÞX$ hl¢Qhp“u

bp¡X£$ cgpdZ L$f¡g R>¡.

õV¡$ÃeyV$fu fuTh®

rinZ apmp¡

15% qX$rhX$ÞX$

15% b¡X$ A¡ÞX$ X$pDV$aºg fuTh®

Nh“®d¡ÞV$ rk¼eyfuV$u V²$¡X$]N “ap¡ CÞh¡õV$d¡ÞV$ agL$ÃeyA¡i“ fuTh® Mps¡

1% ^dp®v$p a„X$

õ‘¡íeg fuTh®

bpL$u fl¡su fL$d ê$p. 72,69,000/- “uQ¡ dyS>b apmhhp“u cgpdZ R>¡.

20% ApL$[õdL$ a„X$

30% rbëX$]N a„X$

50% S>“fg fuTh®

2,65,87,881.93

3,00,000.00

3,28,90,062.00

1,59,52,000.00

1,52,20,000.00

10,63,500.00

70,67,837.00

14,53,800.00

21,80,700.00

36,34,500.00

v$f¡L$ Of“y„ kf“pdy„ sp¡ lp¡e

‘Z

Ndsp„ kf“pd¡ Of b“u Åe A¡

Æh“.

6


b¢L$“y„ “pZp„L$ue rhhfZ s’p d¡mh¡g rkqÙ’p‘Zp¡ -“pZp„b„û v$fçep“, b¢L$“p„ L$d®QpfuAp¡A¡ ‘|fsp„ âdpZdp„ “pZp„ ‘|fp ‘pX$hp bv$g L$f¡g âeÐ“p¡“p„ am ê$‘¡, b¢L¡$ A¡ kdeNpmp bpv$ 31-03-2017 kyûdp„ 10800 bQs A“¡ 2392 L$f„V$ Mpsp„ “hp Mp¡ëep S>¡ ’L$u ’p‘Z ê$p. 891 L$fp¡X$’u hû ê$p. 1121 L$fp¡X¡$ ‘lp¢Qu.

r^fpZ -“p¢V$b„û v$fçep“, dyv$s ‘l¡gp r^fpZ Mpsp b„^ ’sp s¡dS> Ðepfbpv$“u d„v$u“p„ L$pfZ¡ “hp r^fpZ“p¡ h©qÙv$f “NÎe fl¡sp r^fpZ“p¡ Ap„L$ OV$u“¡ ê$p. 539 L$fp¡X$¡ “uQ¡ Dsep£.

hkygps -dyØg ‘¡V¡$ ê$p. 89.77 gpM s¡dS> ìepS> ‘¡V¡$ ê$p. 90.81 “u hkygps bpv$ hjp£ Sy>“p Ly$g 40 NPA

Mpspdp„ hj® v$fçep“ ê$p. 227.33 gpM“u ìepS> fpls Ap‘u kv$f MpspAp¡ Q|L$s¡ L$fhpdp„ Apìep. Apdp„’u L$p¡C‘Z Mpspdp„ dyØgdp„ fpls Ap‘hpdp„ Aphu “’u.Ns hj®“u kcpdp„ d„Sy>f ’ep dyS>b ê$p. 115.97 gpM“y„ r^fpZ gMu hpþep D‘fp„s hj® v$fçep“ NPA Mpspdp„ ê$p. 68.64 gpM“u hkygps Aphu. ‘f„sy ê$p. 75.92 gpM“p„ “hp NPA “p¡ Dd¡fp¡ ’sp„ NPA “p¡ Ap„L$ ê$p. 601.91 gpM R>¡. S>¡ Ly$g r^fpZ“p 1.12% R>¡. h^ydp„ b¢L¡$ “¡V$ NPA ZERO “u ‘f„‘fp hjp£’u Åmhu fpMu R>¡.

fp¡L$pZp¡ -hj® v$fçep“ ê$p. 230 L$fp¡X$’u h^¡g ’p‘Z“p„ L$pfZ¡ s¡dS> r^fpZdp„ ’e¡g ê$p. 31 L$fp¡X$“p OV$pX$p“p L$pfZ¡ fp¡L$pZdp„ ê$p. 244 L$fp¡X$“p¡ dpsbf h^pfp¡ ’ep¡.

i¡f d|X$u -hj® v$fçep“ 368 kcpkv$¡ fpÆ“pdy„ Ap‘sp, s¡dS> “hp 509 kcpkv$p¡“p¡ Dd¡fp¡ ’sp„ hjp®Þs¡ Ly$g kcpkv$ k„¿ep 18211 ’e¡g R>¡, A“¡ i¡f d|X$u ê$p. 22.57 L$fp¡X$’u hû“¡ ê$p. 23.31 L$fp¡X$ ’C R>¡.

“apL$pfL$sp -r^fpZdp„ OV$pX$p¡ R>sp„, ìeh[õ’s “pZp„L$ue Apep¡S>“ ’L$u L$fhpdp„ Aph¡g fp¡L$pZp¡“p L$pfZ¡ b¢L$“u NET INTEREST INCOME h^y OV$pX$p¡ “ ’sp„ ê$p. 82 gpM“p¡ “Æhp¡ OV$pX$p¡ ’ep¡.

AÞe MQ® -dp¢Ohpfu cÕ’p s¡dS> r“edus CÞ¾$ud¡ÞV$“¡ L$pfZ¡ õV$pa MQ®dp„ ’e¡g h^pfp¡ s¡dS> hj® v$fçep“ Myg¡g 4 “hu ipMpAp¡“¡ L$pfZ¡ ê$p. 2.65 L$fp¡X$’u Ap¡‘f¡V$]N MQ® hÝep¡ R>¡.

“p¡“ b¡ÞL$]N AphL$ -b¡ÞL$“p “apdp„ ìepS> AphL$“u kp’¡, AÞe k¡hpAp¡ ’L$u b¡ÞL¡$ ê$p. 90.84 gpM“u AphL$ Dcu L$fu S>¡ Ns hj£ ê$p. 58.94 gpM lsu. S>¡dp„ dy¿eÐh¡ -

7


Æh“ rhdp¡ -CÞõeyfÞk f¡Áeyg¡V$fu Ap¡’p¡fuV$u Üpfp L$fhpdp„ Aph¡gu Ry>V$R>pV$“p¡ gpc gC“¡ b¢L¡$ hj® v$fçep“ Ahuhp D‘fp„s buÆ b¡ Æh“ rhdp L„$‘“u - A¡¼kpCX$ gpCa A“¡ bufgp k“ gpCa Å¡X¡$ Å¡X$pZ L$ey¯. b¢L¡$ ÓZ L„$‘“uAp¡ kp’¡“p„ Å¡X$pZ ’L$u ê$p. 40.92 “u AphL$ Dcu L$fu. S>¡ Ns hj£ ê$p. 23.67 gpM lsu.

kpdpÞe rhdp¡ -kpdpÞe hudp L„$‘“uAp¡dp„ Þey C[ÞX$ep A¡íep¡fÞk D‘fp„s V$pV$p A¡ApCÆ A“¡ ãeyQf S>“fgu kp’¡ Å¡X$pZ L$ey¯. ÓZ L„$‘“uAp¡“p„ C“õep¡fÞk“p Å¡X$pZ ’L$u, b¢L¡$ ê$p. 13.82 gpMu“u AphL$ Dcu L$fu. S>¡ Ns hj£ ê$p. 10.52 gpM lsu.

õV¡$ç‘ ä¡ÞL$]N -Ly$g 5 ipMpAp¡ ’L$u ä¡ÞL$]N krh®k ‘|fu ‘pX$u b¡ÞL¡$ ê$p. 19.03 gpM“u AphL$ Dcu L$fu. S>¡ Ns hj£ ê$p. 10.98 gpM lsu.

ap¡f¡“ A¡¼kQ¡ÞS> hj® v$fçep“ “uQ¡ dyS>b“p¡ buT“¡k L$fu, ê$p. 13.36 gpM“u AphL$ Dcu L$fu. S>¡ Ns hj£ ê$p. 9.85 gpM lsu.- ê$p. 24.66 L$fp¡X$ d“u A¡¼kQ¡ÞS>- ê$p. 3.87 L$fp¡X$ ap¡f¡“ L$fÞku âu‘¡CX$ L$pX®$ A“¡- ê$p. 2.05 L$fp¡X$“p„ V²$ph¡gk® Q¡L$- ê$p. 0.92 L$fp¡X$ h¡õV$“® ey“ue“ d“u V²$pÞkaf A„sN®s, C“hX®$ d“u f¡duV$Þk L$dui“

çeyÃeyAg a„X$ -b¡ÞL¡$ rhrh^ çeyÃeyAg a„X$ h¡Qu ê$p. 3.44 gpM“u AphL$ Dcu L$fu.

‘p“ L$pX®$ -hj® v$fçep“ b¡ÞL¡$ ""1478'' ‘p“ L$pX®$“u AfÆ õhuL$pfu S>¡ Ns hj£ ""851'' lsu.

rbg L$g¡L$i“ k¡hp-b¡ÞL$“u kpZ„v$ ipMpdp„ DÑf NyS>fps huS> L„$‘“u“p„ bugp¡ õhuL$pfhpdp„ Aph¡ R>¡ A“¡ hp‘u ipMp Mps¡ NyS>fps N¡k L„$‘“u“p„ bugp¡ õhuL$pfhp“y„ Qpgy hj£ iê$ L$fhpdp„ Apìey„.

AphL$ h¡fp¡ -hj® 2016-17 dpV¡$ b¡ÞL¡$, ê$p. 460 gpM“y„ âp¡rhT“ AphL$h¡fp ‘¡V¡$ L$f¡g R>¡. ‘f„sy, Qpgy hj® v$fçep“ ê$p. 259.64 gpM ANpD“p hj®“p„ AphL$h¡fp ‘¡V¡$ Q|L$hsp, X$uaX®$ V¡$n Mps¡ ê$p. 33.78 gpM gC S>sp„ A“¡ ê$p. 4.74 gpM ANpD“p„ hj®“y„ fua„X$ dþep bpv$ AphL$ h¡fp¡ ê$p. 748.68 gpM R>¡.

8


apC“pÞkueg CÞ¼g|T“ -“p“p “p“p Mps¡v$pfp¡“¡ b¡ÞL$]N“u khgs Dcu L$fu, apC“pÞkuAg CÞ¼g|T“ l¡W$m L$pdv$pfp¡“p„ k¡g¡fu D‘fp„s rhÛp’}Ap¡“p„ 4836 “hp Mpsp hj® v$fçep“ Mp¡ghpdp„ Apìep. Ap D‘fp„s klL$pfu rhdp ep¡S>“p PMSBY dp„ 4843 N°plL$p¡“¡ s¡dS> PMJBY dp„ 3252 N°plL$p¡“¡ Aphfu gu^p R>¡. Ap¡R>u AphL$ ^fph“pf“¡, Ap¡R>p ìepS> v$f¡, N©l r^fpZ dmu fl¡ s¡ dpV¡$, b¡ÞL¡$ “¡i“g lpDk]N b¡ÞL$ kp’¡ L$fpf L$ep®, S>¡ A„sN®s b¡ÞL$“p„ 16 Mps¡v$pfp¡“¡, lpDk]N gp¡““p„ ìepS> ‘¡V¡$ Ly$g ê$p. 24.41 gpM“u kbkuX$u“p¡ gpc dþep¡.

‘¡V$p L$pev$pdp„ ky^pfp -Ns hj®“u kcpA¡ blpg fpM¡g sdpd ky^pfp“¡ ""bp¡X®$dp„ b¡ dlugp dpV¡$ A“pds b¡W$L$“p„'' “Æhp ky^pfp kp’¡ fÆõV²$pfîuA¡ d„S|>f L$f¡g R>¡. b¡ÞL$“u hluhV$u L$Q¡fu“y„ ‘p¡sp“p dL$p“dp„ õ’mp„sf ’sp b¡ÞL$“u fÆõV$X®$ Ap¡qak“y„ kf“pdy„ bv$ghp s¡dS> ‘¡V$p L$pev$p 9A (2) dp„ h^y õ‘ô$uL$fZ A’£ ‘qfriô$dp„ v$ip®ìep dyS>b bp¡X£$ ‘¡V$p L$pev$p ky^pfp“¡ blpg fpMu fÆõV²$pfîu“u d„Sy>fu dpV¡$ AÓ¡ fSy> L$f¡g R>¡.

AÐep^yr“L$ V¡$L$“p¡gp¡Æ k¡hpAp¡ -- CÞV$f“V¡ $ bÞ¡ L$]N (only view) khgs ’L$u Np° lL$p¡ ‘ps¡ p“p Mpsp“u sdpd dprlsu dm¡ hu iL$¡ R>.¡- C-‘pkbyL$, C-õV¡$V$d¡ÞV$“u kyrh^p, N°plL$ ‘p¡sp“p„ dp¡bpCg ‘f d¡mhu iL¡$ R>¡.- duõX$ L$p¡g krh®k l¡W$m N°plL$ ‘p¡sp“p„ Mpsp“y„ b¡ÞL$ b¡g¡Þk “u:iyëL$ d¡mhu iL¡$ R>¡.- b¡ÞL$]N ìehlpfp¡“p SMS, N°plL$p¡“¡ “u:iyëL$ dp¡L$ghpdp„ Aph¡ R>¡.- ATM (RUPAY) L$pX®$’u fp¡L$X$ D‘pX$ D‘fp„s Mfuv$u“u kyrh^p D‘gå^ L$fu iL¡$ R>¡.- dp¡bpCg ap¡“ Üpfp, ‘gL$hpfdp„ “pZp„L$ue ìehlpf ’C iL¡$, A¡ dpV¡$ b¡ÞL¡$ IMPS khgs“u

d„Sy>fu, fuTh® b¡ÞL$ sfa’u d¡mh¡g R>¡. S>¡ ‘Z Ap‘ kp¥“¡ Qpgy hj® v$fçep“ D‘gå^ L$fhpdp„ Aphu.

hj® 2016-17dp„ ipMp rhõsfZ -- hj® v$fçep“ b¡ÞL$¡, 4 ipMp iê$ L$fu - hp‘u, TpX¡$ðf fp¡X$ (cê$Q) s¡dS> kyfs Mps¡ b¡ ipMp

D^“p s¡dS> Adfp¡gu, S>¡ ‘¥L$u, D^“p rkhpe ÓZ¡e ipMpdp„ gp¡L$f“u kyrh^p D‘gå^ L$fhpdp„ Aphu.

b¡ÞL$“¡ dm¡g A¡hp¡X®$k -- hj® 2014-15 dpV¡$ b¡ÞL$]N äÞV$uef sfa’u b¡ÞL$“p õ’p‘L$ Q¡fd¡“ îu Np¡Ly$gcpC bnu

kpl¡b“¡ b¡õV$ Q¡fd¡““p¡ A¡hp¡X®$ âpàs ’ep„ bpv$ hj® 2015-16 dpV¡$ kdN° v$¡i“p„ klL$pfu n¡Ódp„ b¡ÞL$“y„ “pd fp¡i“ L$fu b¡ÞL$“p eyhp Q¡fd¡“ îu Ap“„v$ bnuA¡ b¡õV$ ey’ Q¡fd¡““p¡ A¡hp¡X®$ d¡mìep¡. Ap D‘fp„s, S|>v$u S|>v$u k„õ’p Üpfp “uQ¡ dyS>b“p„ A¡hp¡X®$k âpàs ’ep.

9


kpD’ NyS>fps L$p¡-Ap¸‘ b¡ÞL$ A¡kp¡rkA¡i“- apC“pÞkueg õV¡$buguV$u- ‘[ågL$ fug¡i“ A“¡ kp¡iueg A¡¼V$uhuV$u

b¡ÞL$]N äÞV$uef- b¡õV$ ey’ A¡ç‘gp¡C õV²¡$V$Æ- b¡õV$ ey’ L$õV$df C“ukuA¡V$uh- N°u“ C“ukuA¡V$uh

spgud -Ap„sfuL$ L$kp¡V$u ’L$u b¡ÞL$“p 232 L$d®QpfuAp¡“¡ KYC dpN®v$i}L$p’u ‘fuQus L$fhpdp„ Apìep D‘fp„s L$d®QpfuAp¡“¡ spgud dpV¡$ Np„^u“Nf s¡dS> ‘|“p ‘Z dp¡L$ghpdp„ Aph¡ R>¡ A“¡ Of Ap„NZ¡ ‘Z spgud Ap‘hpdp„ Aph¡ R>¡. Ns hj£ Ly$g 97 L$d®QpfuAp¡A¡ spgud“p¡ gpc gu^p¡ lsp¡. D‘fp„s Sy>v$u Sy>v$u L$p¡g¡S>“p rhÛp’}Ap¡ s¡d“p rinZ“p cpNê$‘¡ b¡ÞL$“u L$pe®‘Ùrs kdS>hp Ahpf“hpf b¡ÞL$“u dygpL$ps¡ Aph¡ R>¡. S>¡dp„ Mpk L$fu“¡ bu.bu.A¡., A¡d.bu.A¡., ‘p¡õV$ N°¡ÄeyA¡V$ klL$pfu rhÛp’}Ap¡ b¡ÞL$]N rhjep¡ ‘f rhi¡j Aæepk L$fu S>ê$fu dprlsu d¡mh¡ R>¡. A¡ v$fçep“ s¡Ap¡ kp’¡ dprlsu ÅZL$pfu Apv$p“ âv$p“ L$fhpdp„ Aph¡ R>¡.

hs®“-ìehlpfdp„ ‘pfv$i®L$sp -R>¡ëgp 22 hj®’u 1gu A¡râg¡ S> “pZp„L$ue ‘qfZpdp¡ R>p‘pdp„ s¡dS> b¡ÞL$“u h¡bkpCV$ ‘f fS|> L$fu“¡ b¡ÞL$ ‘pfv$i®L$sp“p¡ DÑd “d|“p¡ ‘|fp¡ ‘pX$su Aphu R>¡.

‘ep®hfZ ÅmhZu -b¡ÞL¡$, õhdpguL$u“p„ ""âpCd lpDk'' Mps¡, ê$aV$p¡‘ kp¡gf kuõV$d gNpX$u S>¡“¡ L$pfZ¡ ‘ep®hfZ“u ÅmhZu sp¡ ’i¡S> D‘fp„s b¡ÞL$“p huS>mubugdp„ bQs ’i¡. huS>mubug“u bQs“p„ L$pfZ¡, gNcN AY$u ’u ÓZ hj®dp„ kp¡gf kuõV$d“u qL„$ds “uL$mu S>i¡.

Ap¡qX$V$ CÞõ‘¡L$i“ -b¡ÞL$ Üpfp Adgu CÞV$f“g Ap¡qX$V$ s’p 4 ipMp s’p L„$V²$p¡g k¡ÞV$f“p„ QpV®$X®$ A¡L$pDÞV$ÞV$ Üpfp L$p¡ÞL$fÞV$ Ap¡qX$V$ D‘fp„s NyS>fps kfL$pf klL$pfu Mpsp Üpfp r“ey¼s Ap¡qX$V$f kpfv$p ‘fuL$ A¡ÞX$ A¡kp¡rkA¡V$k, cê$Q Üpfp b¡ÞL$“y„ rÓdprkL$ ̂ p¡fZ¡ Ap¡qX$V$ k„‘Þ“ ’e¡g R>¡. A“¡ b¡ÞL$“¡ Ap¡qX$V$ N°¡X$ "A' Qpgy fpM¡g R>¡.

Apcpfhj® v$fçep“ kh® L$p¡C sfa’u dm¡g âÐen L¡$ ‘fp¡n klL$pf bv$g bp¡X®$ Ap¡a qX$f¡¼V$k® kh£“y„ F>Z õhuL$pf¡ R>¡.

Ap“„v$ bnuQ¡fd¡“

Æc sp¡ S>Þd“p ‘l¡g¡ qv$hk’u dmu Åe R>¡,

‘Z A¡“p D‘ep¡N“u L$mp d¡mhhp ApMu tS>v$Nu “uL$mu Åe R>¡.

10


Auditor's Report

To,

THE MEMBERS

PRIME CO-OPERATIVE BANK LTD.

Report on the Financial Statements

1. We have audited the accompanying financial statements of the Prime Co-operative Bank Limited, which comprise the Balance Sheet as at 31st March, 2017 and the Statement of Profit and Loss and the cash flow statement for the year then ended and a summary of significant accounting policies and other explanatory information incorporated in these financial statements of 36 branches.

Management's Responsibility for the Financial Statements

2. Management is responsible for the preparation of these financial statements in accordance with Gujarat State Co--operative Act, 1961 and Banking Regulation (AACS) Act 1949. This responsibility includes the design, implementation and maintenance of internal control relevant to the preparation of the financial statements that are free from material misstatement, whether due to fraud or error.

Auditor's Responsibility

3. Our responsibility is to express an opinion on these financial statements based on our audit. We conducted our audit in accordance with the Standards on Auditing issued by the Institute of Chartered Accountants of India. Those Standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement.

4. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor's judgment, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the Bank's preparation and fair presentation of the financial statemcnts in order to design audit procedures that are appropriate in the circumstances. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of the accounting estimates made by management, as well as evaluating the overall presentation of the financial statements.

5. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.

Prime Co-op. Bank Ltd.

11


Opinion

6. In our opinion and to the best of our information and according to the explanations given to us, the said accounts together with the notes thereon give the information required by the Banking Regulation Act ( AACS), 1949 as well as the Gujarat Co- operative Societies Act, 1961, in the manner so required for the Co-operative banks (UCBs) and give a true and fair view in conformity with the accounting principles generally accepted in India:

(i) in the case of the Balance Sheet, of the state of affairs of the Bank as at 31st March, 2017;

(ii) in the case of the Profit and Loss Account of the profit/loss for the year ended on that date; and

(iii) in the case of the Cash Flow Statement, of cash flows for the year ended on that date.

Report on Other Legal and Regulatory Matters

7. The Balance Sheet and the Profit and Loss Account have been drawn up in accordance with the provisions of the Banking Regulation Act, (AACS) 1949 read with Gujarat Co- operative Societies Act, 1961.

8. We report that:

(a) We have obtained all the information and explanations which, to the best of our knowledge and belief, were necessary for the purpose of our audit and have found them to be satisfactory.

(b) the transactions of the Bank, which have come to our notice, have been within the powers of the Bank.

(c) the returns received from the offices and braches of the Bank have been found adequate for the purposes of our audit.

9. In our opinion the balance sheet, profit and loss account and cash flow statement comply with the Accounting Standards generally accepted in India.

10. We further report that

(i) The balance sheet and profit and loss account dealt with by this report, are in agreement with the books of account and the returns.

(ii) In our opinion, proper books of account as required by law have been kept by the Bank so far as appears from our examination of those books.

(iii) On the basis of the written representation received from the director and taken on record by the Board of Directors, none of the directors is disqualified as on 31st March, 2017 from being appointed as a director in terms of Gujarat State Co-operative Societies Act, 1961

For Sarda & Pareek Chartered Accountants

S M Pareek

Bharuch Dist. Panel No. 381

30th May 2017


12


Profit and Loss Account for the year ended 31-03-2017

INCOME

637,943,924.32

1. Interest and discount on advances

275,681,716.15

2. Interest & Discount on Investment

7,675,508.27

3. Commission, exchange and brokerage

-

4. Subsidies and donations

-

5. Income from Non-banking Assets and Profit from Sale or Dealing with such Assets

29,160,914.28

6. Other receipts

-

7. Deffered Tax

950,462,063.02

Total :


950,462,063.02 Total

31-3-17

audited

693,472,405.86 125,803,865.58

-

32,760,841.11

1,219,454.00

3,785,508.15

912,846.00

21,076,840.23

3,818,185.43

14,766.00

39,093,220.21

15,313,548.82

-

-

71,489,659.81

3,377,900.00

106,350,280.93

1,118,489,322.13

644,059,550.15

367,197,995.74

11,238,620.00

900.00

95,992,256.24

-

1,118,489,322.13

31-3-16

Audited EXPENDITURE

588,787,691.95 1 Interest on deposits, borrowings, etc.

120,625,258.86 2 Salaries and allowances and provident Fund

-

3 Directors' and local committee members fees

and allowances

30,896,659.24 4 Rent, taxes, insurance, lighting, etc.

1,870,913.75

5 Legal & Consultation charges

5,576,675.08

6 Postage, leaseline and telephone charges

1,146,000.00

7 Auditor's fees

23,734,794.00 8 Depreciation on and repairs to property

3,708,274.83

9. Stationary, Printing & advertisement etc.

130,971.00

10. Loss from Sale of or Dealing with Non-banking Assets

28,355,974.94 11 Other expenditure

12. Assets written off

5,600,000.00

(a) Merged bank loss 3,670,000.00

-

(b) Bad debts 11,597,369.82

(c) Other assets other than advances 46,179.00

13 Provision for

-

(a) NPA -

-

(b) Investment Deprieation -

-

(c) Standard assets -

14 Income -Tax

46,500,000.00 for current year 46,000,000.00

3,690,814.00

for previous years 25,963,718.81

(10,738,795.00) I tax provision of earlier years writen back (474,059.00)

1,065,013.00

15 Deffered Tax

99,511,817.37 16. Profit for the year

For Sarda & Pareek

Chartered Accountants

S M Pareek

Panel No. 381 Bharuch Dist.

30th May 2017

Anand Bakshi

Chairman

Champaben Makwana Radhekishan Ruchandani

Vice Chairperson Managing Director

Gokul Bakshi

Founder Chairman

Directors Vijay Parekh

Executive Director

Kanubhai Tailor Dhiraj Shah

Rajnikant Kapadia Kishorbhai Bhrahmbhatt Parimal Vyas

Dharmesh ChorawalaMukesh Bombaywala

Kishorebhai Bhrahmbhatt

13


Balancesheet As at 31-03-201731-3-16 Capital & Liabilities 31-3-2017

AudIted 1- CAPITAL AudIted

i - Authorised Share Capital

300,000,000.00

30,00,000 (30,00,000) Share of Rs. 100- Each

ii- Subcribed Share Capital

2331052(2257057) Share of Rs. 100/- Each 233,105,200.00

(iii) Amount called up 233,105,200.00

on 2331052(2257057) shares at Rs. 100/- each 233,105,200.00

less call unpaid

Of (iii) above, held by

225,705,700.00

(a) Individuals 233,105,200.00

-

(b) Co-operative institutions -

-

(c) State Government -

2 RESERVE FUND AND OTHER RESERVE 641,379,011.85

238,893,700.83 (a) Statutory Reserve 264,543,609.70

87,934,445.16 (b) Building Fund 90,952,745.16

5,251,125.00 (c) Special Builing fund 5,251,125.00

22,632,474.00 (c) Dividend Equalization Fund 27,146,588.00

37,860,000.00 (d) Bad and Doubtful Debts Reserve 52,787,000.00

26,696,000.00 (e) Investment Fluctuation Reserve 28,038,000.00

2,282,391.31 (f) General Reserve 7,312,891.31

47,155,589.00 (g) Special Reserve 58,924,816.00

8,073,528.00 (h ) Charity Fund 8,268,646.00

4,878,478.00 (i) Propaganda Fund 4,878,478.00

7,683,500.00 (j) Investment Depriciation Reserve 7,683,500.00

7,576,283.50 (k) Contingent Reserve Fund 9,588,483.50

(l) Other fund and reserve 76,003,129.18

45,000,000.00 (i) Provision for Bad & Doubtful debts 12,500,000.18

43,503,129.00 (ii) Provision for investment depriciation 43,503,129.00

20,000,000.00 (iii) Standard assets provision 20,000,000.00

-

3. THE PRINCIPAL/SUBSIDIARY STATE -

4 - DEPOSITS AND OTHER ACCOUNTS 11,208,171,132.65

(a) Fixed Deposit 6,871,690,688.99

6,213,966,912.04

(a) Individuals 6,81,33,30,647.99

-

(b) Central co-operative banks -

557,616.73 (c) Other societies 5,83,60,041.00

(b) Saving Deposit 2,443,816,601.60

1,474,517,781.25 (a) Individuals 2,43,26,77,764.60

-

(b) Central co-operative banks -

6,212,164.71 (c) Other societies 1,11,38,837.00

(c) Current Deposit 1,892,663,842.06

1,188,781,050.38 (a) Individuals 1,88,67,73,127.06

- (b) Central co-operative banks -

21,503,660.60 (c) Other societies 58,90,715.00

- (d) Money at Call and short notice -

5- BORROWINGS 1,095.00(1) From the Reserve Bank of

India/State/Central co-operative bank

(a) Short-term loans, cash credits and overdrafts

Of which secured against

(1) Government and other approved securities

54,591.00 (2) Other tangible securities 1,095.00

- (b) Medium-term loans of which secured against

- (c) Long-term loans Of which secured against

(2) From the State Bank o India

(a) Short-term loans, cash credits and overdrafts

Of which secured against

- (1) Government and other approved securities

- (2) Other tangible securities


14


31/3/2016 Property and Assets 31/3/2017

1- Cash 1,278,348,023.59

In Hand and with Reserve bank of India, State Co-

Operative Bank and Central Co-Operative Bank

83,704,710.64 a) on hand 212,119,411.03

158,576,791.91 b) in current account 177,166,786.56

561,061,826.00 c) in fixed deposit 889,061,826.00

2-BALANCE WITH OTHER BANK 581,772,757.20

208,198,853.90 (a) Current Deposit 261,581,830.20

- (b) Savings bank deposits -

420,664,568.00 (c) Fixed Deposit 320,190,927.00

- 3- MONEY AT CALL AND SHORT NOTICE 99,987,672.92

CBLO Lending 99,987,672.92

Call money -

4- INVESTMENT 4,678,747,381.00

(a) In Central and State Government securities

2,559,412,161.00 (at book value) 4,228,701,381.00

(2,538,850,000.00) Face value Rs

(2,539,470,473.24) Market value Rs

- (b) Other Trustee securities -

46,050.00

(c) Shares in co-operative institutions other

than in item (5) below 46,000.00

(d) Debt Fund 445,000,000.00

5,000,000.00 (d) Other investments - NHAI 54 EC 5,000,000.00

-

5- INVESTMENTS OUT OF THE

PRINCIPAL/SUBSIDIARY STATE PARTNERSHIP

FUND -

6- ADVANCES 5,386,316,654.85

1,994,548,622.77

(a) Short-term loans, cash credits, overdrafts

and bills discounted 1,929,737,513.12

Of which secured against :

(40,536,864.94) (a) Government and other approved securities 41,754,714.68

(1,952,824,777.83) (b) Other tangible securities 1,887,982,798.44

Of the advances, amount due from individuals

(39,897,671.81) Amount overdue 33,903,247.97

(39,897,671.81) Considered bad and doubtful or recovery 33,903,247.97

(b) Medium-term loans

8,374,655.00 Of which secured against 26,485,471.00

- (a) Government and other approved securities -

- (b) Other tangible securities -


(99,613.00) Amount overdue 3,95,782.00

(79,572.00) Considered bad and doubtful or recovery 59,572.00

(c) Long-term loans

3,700,692,661.67 Of which secured against 3,430,093,670.73

(10,223,604.00) (a) Government and other approved securities 8,205,151.00

(3,687,427,597.67) (b) Other tangible securities 3,421,888,519.73


(34,990,755.95) Amount overdue 2,48,26,441.79

(29,129,620.95) Considered bad and doubtful or recovery 20,567,761.79

235,168,325.47 7-INTEREST RECEIVABLE 226,206,440.22

226,206,440.22

(121,571,169.36) Of which overdue 74,177,788.83

(121,571,169.36) Considered bad and doubtful of recovery 74,177,788.83

Balancesheet As at 31-03-2017


15


- (b) Medium-term loans of which secured against

- (c) Long-term loans Of which secured against

- (3) From the State Government

-

(4) Loan from other sources (source and

security to be specified)

6- BILLS FOR COLLECTION 2,086,410.00

4,158,188.00 Being bills receiveble as per contra 2,086,410.00

7-BRANCH ADJUSTMENTS -

- Brandh Adjustment -

8- OVERDUE INTEREST RESERVE 74,177,788.33

121,571,169.36

Overdue Interest Reserve 74,177,788.33

9 -INTEREST PAYABLE 9,702,550.99

41,745,255.48 Interest Payeble 9,702,550.99

10 - OTHER LIABILITIES 250,706,420.42

13,815,284.04 (a) Bills payable 16,835,748.81

3,838,282.50 (b) Unclaimed dividends 4,956,545.00

8,559,381.45 (c) Sundries Account 868,766.45

- (d) Intrest Accured -

8,501,791.42 (e) Other Payble 6,911,404.10

63,514,358.00 (f) Other Deposit 71,143,130.00

51,172.00 (g) Clearing Difference 115,902.00

992,011.00 (h) Provision For Expenses 1,302,200.00

57,224,964.00 (i) I-Tax Provision 56,757,840.00

1,000,000.00

(j) Provision for Assets other than

advances 1,000,000.00

37,271,501.09 (k) Retirement Fund 79,301,949.45

4,180,895.00 (l) Defferred Tax 7,558,795.00

2,842,648.78 (m) Suit File Recovary 3,954,139.61

162,520.00 (n) Income in advance

11- PROFIT AND LOSS 106,350,280.93

99,511,817.37 Profit as per last balance-sheet 99,511,817.37

(99,511,817.37) Less appropriations (99,511,817.37)

99,511,817.37

Add profit for the year brought from the Profit

and Loss Account 106,350,280.93

12- CONTINGENT LIABILITIES

11,791,104.00 Outstanding liabilities for guarantees issued 14,359,335.00

16,919,784.15 Others - DEAF 19,597,481.39

10,205,661,360.00 Total 12,525,679,890.17

Balancesheet As at 31-03-2017

31-3-16 Capital & Liabilities 31-3-2017


For Sarda & Pareek


S M Pareek


30th May 2017

Anand Bakshi

Chairman



Gokul Bakshi

Founder Chairman


Executive Director





16


8- BILLS RECEIVABLE BEING BILLS FOR

COLLECTION AS per contra 2,086,410.00

4,158,188.00 Bills Receivable 2,086,410.00 9 -BRANCH ADJUSTMENTS

- Brandh Adjustment

10-PREMISES LESS DEPRECIATION 68,505,720.00

73,119,918.00 Premises 68,505,720.00

11- ALL OTHER FIXED ASSETS LESS DEPRECIATION 54,868,092.51

44,457,424.01 Furniture Fixture, Computer, Electification, etc. 54,868,092.51

12- OTHER ASSETS (to be specified) 148,840,737.88

7,411,843.28 (a) Stationary and Stamp (including Franking) 5,614,745.85

2,633,555.50 (b) Prepaid Expenses 1,032,525.50

5,629,310.04 (c) Deposit 5,453,565.54

9,531,091.00 (d) Deposit with Land lord 10,617,091.00

626,365.91 (e) Sundry Debtors 1,013,717.63

132,150.00 (f) Clearing Diffrance 201,355.50

77,900,786.81 (g) Advance Tax including TDS 41,935,787.41

7,340,000.00 (h) Loss of Merge Assets 3,670,000.00

37,271,501.09 (i) Retirement benefit Investment 79,301,949.45

10,205,661,360.00 Total 12,525,679,890.17

For Sarda & Pareek


S M Pareek


30th May 2017

Anand Bakshi

Chairman



Gokul Bakshi

Founder Chairman


Executive Director





31/3/2016 Property and Assets 31/3/2017

Prime Co-op. Bank Ltd.Balancesheet As at 31-03-2017

Äepf¡ L$p¡C kp’ “p Ap‘¡“¡,

Ðepf¡ Afukp kpd¡ Dcy„ fl¡hp“y„,

“¡ L$l¡hp“y„, ""sy„ tQsp “p L$f, Ap‘Z¡ ap¡X$u gCiy„.''

17


(Rs. In lacs)

PARTICULARS 31-03-17

CASH FLOW FROM OPERATING ACTIVITIES

Net Profit As per P/L Account 1,063.50

Add. Adjustment for

Depriciation on Assets 164.41

Amortisation /Dep. On investment 89.83

Provision for Taxation including deffered tax 714.90

Provision BDDR -

Provision For Standard Assets -

Advances written off 115.97

Loss on sale of Govt. Securities -

Loss on Sale of Assets 0.15

Depreciation on Investment -

Investment Fluctuation Fund -

assets other than advances writeen off 37.16

Less :

Transfer Fee -

Profit on Sale of assets -

Profit on sale of government security 338.22

Dividend Received 293.13

Deffered tax inocme -

excess provission written back 325.00

Cash Profit Generated Before Working 1,229.57

Cash Flow Statement for the year ended 31-3-2017


qL$gp¡“p cphdp„ h¡QpC NC A¡ “p¡V$byL$p¡

S>¡“p ‘f ¼epf¡L$ h¡fuNyX$ Å¡C“¡

lfM “lp¡sp¡ kdpsp¡.

18


Capital Changes(Increase) / Decrease in Investments (89.83)

(Increase) / Decrease in Advances -

(Increase) / Decrease in Other Assets (37.16)

Increase/ (Decrease) in Deposits -

Increase / (Decrease) in Other Liabilities & provision (505.87)

(Increase) / Decrease in branch adjustment -

Increase / (Decrease) in Borrowings -

NET CASH GENERATED FROM OPERATING ACTIVITIES(A) 596.71

CASH FLOW FROM INVESTING ACTIVITIES:

(INCREASE)DECREASE IN Fixed Assets (164.75)

Sale of Fixed Assets 0.19

Profit on sale of investment 338.22

Dividend Received 293.13

NET CASH USED IN INVESTING ACTIVITIES(B) 466.79

CASH FLOW FROM FINANCING ACTIVITIES:

Proceeds from issue of Share Capital -

Entrance Fees 0.05

Nominal Membership Fees 0.16

EDUCATION FUND PAID (3.00)

Transfer Fee 0.01

Earlier Period Dividend 307.25

reserve(utilised)/created (1,367.97)

NET CASH GENERATED FROM FINANCING ACTIVITIES (C ) (1,063.50)

NET INCREASE IN CASH & CASH EQUIVALENTS (A+B+C) -

Cash & Cash Equivalents at the beginning of the year -

Cash & Cash Equivalents at the end of the year -


For Sarda & Pareek


S M Pareek


30th May 2017

Anand Bakshi

Chairman



Gokul Bakshi

Founder Chairman


Executive Director





19


NOTES FORMING PART OF ACCOUNTS FOR THE YEAR ENDED 31st MARCH,2017.

A). SIGNIFICANT ACCOUNTING POLICIES AND NOTES TO FINANCIAL STATEMENTS:

I. ACCOUNTING CONVENTIONS:

The accompanying financial statements are prepared under the historical basis and confirm, in all material

aspect, to generally accepted accounting principles (GAAP) in India which comprise the statutory provisions,

guidelines of regulatory authorities - The Gujarat State Cooperative Societies Act, 1961 , The Institute of

Chartered Accountants of India & Banking Regulation Act 1949 (as applicable to cooperative Societies) &

rules made there under and guidelines of regulating authorities & Reserve Bank of India.

II. USE OF ESTIMATES:

The preparation of the financial statements, in conformity with generally accepted accounting principles,

requires management to make estimates and assumptions that affect the reported amounts of assets and

liabilities, revenues and expenses and disclosure of contingent liabilities at the date of the financial

statements. Actual results could differ from those estimates. Management believes that the estimates used

in the preparation of the financial statements are prudent and reasonable. Any revision to the accounting

estimates are recognized prospectively.

III. REVENUE RECOGNITION:

a. Interest Income on standard advances are recognized on accrual basis.

b. Income from non-performing assets is recognized to the extent realized, as per the directives issued by RBI.

c. Interest on Government securities, debentures and other fixed income securities is recognized on accrual

basis. Income on discounted instruments is recognized over the tenor of the instrument on a straight-line

basis.

d. All other income such as commission, exchange, brokerage and income from para-banking activities as

well as sale of assets are recognized on actual or cash or receipt basis as directed by RBI.

e. Dividend income is accounted, as and when received.

IV. ADVANCES

a) The classification of advances into Standard, Sub-standard, Doubtful and Loss assets as well as

provision on non-performing advances has been arrived at in accordance with the guidelines issued by the

RBI from time to time. In addition to this, a general provision on standard assets has been made as per the

guidelines issued by the RBI from time to time on a segment basis.

b) The overdue interest in respect of non-performing advances is provided separately under

“Overdue Interest Reserve” as per the directives issued by RBI.

c) In respect of non-performing loan accounts subjected to restructuring, the account is upgraded to

standard only after a period of one year after the date when first payment of interest or principal, whichever

is earlier, falls due, subject to satisfactory performance of the account during the period.

d) Provisions made against standard assets is disclosed separately under other liabilities and is not

netted off against advances.

e) Partial recovery made in Suit Filed accounts is disclosed separately under other liabilities and is not

netted off against advances.

20


V. FIXED ASSETS:a) - Fixed Assets are stated at cost of acquisition or construction less accumulated depreciation.

- Fixed Assets are Capitalized at cost inclusive of legal and/or installation expense.- Fixed assets purchased during the year having individually costing less than Rs. 5000/-, are accounted to profit and loss account.

b) Expenditure incurred on rented premises, which add the life of the premises are capitalized and depreciation is provided @10% w.d.v.

c) Nonrefundable deposits paid for accruing the Lease Hold premises is being amortized over the period of lease. Capitalized expenses incurred on leasehold's assets is Capitalized separately and depreciation provided on such assets at WDV method.

d) Depreciation is charged over the estimated useful life of the fixed assets on written down value methods except the computers.

e) Intangible Fixed AssetsThe Fixed Assets block for “Computer” includes computer software and licenses, the details of which are as follows:

VI. INVESTMENTS:a) Categorization of investment:

In accordance with guidelines issued by RBI, the Bank classifies its investment portfolio into the following three categories:i) 'Held to Maturity' – Securities acquired by the Bank with the intention to hold till maturity.

2015-16 2016-17 Gross Block at the beginning of the year 106.92 123.15 Addition during the year - Before Sept. 14.20 2.78

- After Sept. 2.03 8.98 Deduction during the year 0.00 0.00 Gross block at the end of the year (A) 123.15 134.91 Depreciation block at the beginning of the year 65.78 106.49 Addition during the year - Before Sept 40.37 11.66 - After Sept. 0.34 2.69 Deduction during the year 0.00 0.00 Depreciation block at the end of the year (B) 106.49 120.84 Net block at the end of the year (A) – (B) 16.66 14.07

Nature Of Asse ts Rate ofDepreciation

Method

Premises - land And Building 10% WDV

Furniture & Fixtures, Elec trical Fit tin gs, Lo cker Cabinet & Strong Room , fire extinguisher

10% WDV

M otor Vehic les, Air Conditioners & All Other assets 15% WDV

Computers & Computers Software 33.33% SL M

Solar System 80% WDV

21


ii) 'Held for Trading' – Securities acquired by the Bank with the intention to trade.iii) 'Available for Sale' – Securities which do not fall within the above two categories are classified as 'available for sale'.

b) Classification of Investments:For the purpose of disclosure in the Balance Sheet, Investments have been classified under four groups as required under RBI guidelines – (i)Government Securities(ii) Other trustee Securities(iii) Shares in co-operative institutions(iv) Other Investments.

c) Investments classified as held to maturity are carried at acquisition cost unless it is more than face value, in which case the premium is amortized over the period remaining to maturity.

d) Investments classified as Held for Trading and Available For sale are marketed to market script wise and the resultant depreciation is recognized in profit & loss account. Net depreciation is ignored.

e) Transfer between categories is done at the lower of the acquisition cost/book value/market value on the date of the transfer and depreciation, if any, on such transfer is fully provided for in accordance with the RBI guidelines.

f) Profit or loss on sale/redemption of investments.- Held for trading and available for sale – Profit or loss on sale/redemption is included in the profit and loss account.- Held to maturity - Profit or loss on sale/redemption is included in the profit and loss account. In case of profits, the same is appropriated to Investment fluctuation reserve after adjustments for tax and transfer to statutory reserve.

g) Balance with other banks Fixed deposits with other banks include - FD of Rs. 244.53 lacs for LC facility for our constituent- FD of Rs. 39.40 lacs for G'tee facility for our constituent- FD of Rs. 823.76 lacs for overdraft facility to meet with unforeseen need.

VII. EMPLOYEE BENEFITSa. Defined Contribution Plan

Banks contribution paid/payable during the year to Employees Provident Fund are recognized in the Profit & Loss account.

b. Defined Benefit Plan1. Gratuity: Gratuity liability is defined benefit obligation and is provided for on the basis of an actuarial valuation determined by LIC of India by paying premium under Group Gratuity Scheme.2. Leave Encashment: Leave Encashment liability is defined benefit obligation and is provided for on the basis of an actuarial valuation determined by LIC of India by paying premium under Group Leave Encashment Scheme.3. Short term employee benefits are recognized as an expense at an undisclosed amount in the profit and loss account of the year in which the related services rendered.

22


VIII. SEGMENT REPORTINGIn accordance with the guidelines issued by RBI, Bank has adopted Segment Reporting as under:

a. Treasury includes all investment portfolio (including investment in the form of fixed deposits with other banks), profit/loss on sale of investments, profit/loss on foreign exchange transactions, equities and money market operations. The expenses of this segment consist of interest expenses on funds borrowed from external sources and depreciation on investment & amortization of premium on Held to Maturity category investments.

b. Other Banking Operations include all other operations not covered under Treasury operations.c. Interest paid/payable on deposits and borrowings are allocated in the ratio of “total assets” to

“total assets under treasury segment” as on date of balance sheet.d. Income Tax is shown under unallocated expenses.

IX. RELATED PARTY DISCLOSURE The Key Management Personnel consist of the Directors and the Chief Executive of the Bank.

X. OPERATING LEASESLease rental obligations in respect of assets taken on operating lease are charged to profit and loss Account on straight-line basis over the lease term. Initial direct costs are charged to profit and loss account.

XI. REGROUPING OF PREVIOUS YEAR FIGURESFigures of the previous year have been re grouped & rearranged/re-casted wherever considered necessary.

XII. TAXES ON INCOME a. Provision for current tax is made on the basis of estimated taxable income for the year.b. Deferred tax is recognized, subject to consideration of prudence, on timing difference,

representing the difference between taxable incomes and accounting income that originated in one period and is capable of reversal in one or more subsequent periods. Deferred tax assets and liabilities are measured using tax rates and tax laws that have been enacted or substantially enacted by the Balance Sheet date.

XIII. IMPARIMENT OF ASSETSSince the bank has ascertained that there is no material impairment of any of its assets, except advances 100% provision on account of impairment of these assets is made by the Bank..

XIV. EFFECTS TO COST OF ACQUISITION OF MERGED BANKSDuring the F.Y.2013-14 The Bayad Nagarik Sahakari Bank Ltd., Bayad, was acquired in accordance with the merger order passed by the Registrar, Co-op. Societies, Gandhinagar along with “No objection Certificate” issued by the RBI. As permitted by RBI, cost of acquisition of this bank is being amortized over a period of five years. During the year Rs. 36.70 lacs (P.Y. 36.80 lacs) is written off/amortized.

XV. PROVISIONS, CONTINGENT LIABLITIES AND CONTINGENT ASSETS:a. A provision is recognized when the Bank has a present obligation as a result of past event where it is

probable that an outflow of resources will be required to settle the obligation, in respect of which a reliable estimate can be made.

b. Provisions are not discounted to its present value and are determined based on best estimate required to settle the obligation at the balance sheet date. These are reviewed at each balance sheet date and adjusted to reflect the current best estimates.

23


c. When there is a possible or a present obligation in respect of which the likelihood of outflow of resources is remote, no provision or disclosure is made.

d. Contingent assets are not recognized in the financial statements. However, contingent assets are assessed continually and if it is virtually certain that an inflow of economic benefits will arise, the asset and related income are recognized in the period in which the change occurs.

e. All guarantees issued by the Bank are financial guarantee and against 100% margin in the form of liquid security and counter indemnity.

Guarantees/letter of credit issued on behalf of bank's constitutes by correspondent bank are also backed by 100% margin provided by the respective constituents in the form of liquid security and counter indemnity.

B. NOTES ON ACCOUNTSI. DISCLOSURE OF INFORMATION AS PER RBI GUIDELINES(As per RBI circular UBD.CO.BPD.(PCB)Cir.No.52/12.05.001/2013-14 dated March 25, 2014.)

Sr. No.

Particulars

31-03-16

31-03-2017

i)

Capital to Risk Assets Ratio

12.98%

13.03%

ii)

MOVEMENT OF CRAR:

Tier I Capital

6242.03

6488.93

Tier II Capital

960.54

998.91

Total Capital 7202.57 7487.30

Total Risk Weighted Assets 55486.49 57482.30

iii) Investments (Includes Govt, Other Trust Securities, Bonds & shares

a) Book value & Face value of Investments - Book value -Face value

25594.12 25388.50

46787.47 45982.46

b) Market Value of Investments 25394.70

47118.14

Rs. in Lakh

c) Issuer Composition of Non SLR Investments

Sr No.

Issuer Amount Extent of Below Investments grade Securities

Extent of ‘Unlisted’ Securities

1.

PSUs

50.00

0.00

0.00

50.00

2.

FIs

0.00

0.00

0.00

0.00

3.

Public Sector Banks

0.00

0.00

0.00

0.00

4.

Mutual Funds

4450.00

0.00

0.00

4450.00

5.

Others

0.46

0.00

0.46

0.00

6.

Provisions held 0.00

0.00

0.00

0.00

Extent ofunrated

Securities

24


Particulars Amount

Opening Balance 0.00

Additions during the year 0.00

Reduction during the year 0.00

Closing Balance 0.00

Total Provisions Held 0.00

iv)

Advances Against

-

real estate

-

Construction business

-

Housing

4055.38

0.00 3244.31

4377.98

0.00

2734.49

v)

Advances against Shares &Debentures

0.00

0.00

vi)

Advances to directors, their relatives, cos., firms in which they are interested (Against Fixed Deposit)

a)

Fund based (Limit sanctioned)

0.00

0.00

b) Non fund based

0.00

0.00

vii)

Average cost of deposits

7.21%

6.76%

viii)

NPAs

Gross NPA--

706.60

601.91

% of Gross NPAs to Loans

1.24%

1.12%

Net NPA

0.00

0.00

% of Net NPAs

0.00%

0.00%

ix)

Movement

of NPAs

Opening Balance

793.61

706.60

Additions during the year

28.01

75.92

Total

821.62

782.52

Less: Reduction During the Year

115.02

180.61

Gross NPA

706.60

601.91

Net NPAs

0.00

0.00

25


xiii) Foreign Currency Assets &Liabilities : NIL

xiv) Payment of insurance premium to DICGCDuring the year bank has paid Rs. 93,83,494.99 (Excluding Service Tax) (Previous year Rs. 81,10,573.00 ) towards Insurance Premium on deposits to DICGC as per norms prescribed by the Reserve Bank of India.xv) Penalty imposed by RBI during the year.Due to sell of SGL security held under margin, bouncing of the same occurred on two occasions i.e. on 12-08-16 & 19-09-2016. A penalty of Rs. 15,000/- was imposed under Government Securities Act. Penalty was paid by the bank and necessary corrective actions have also been taken.

xvi) Restructured Accounts :a. No accounts have been restructured during the year 2016-17.b. No applications for restructuring is pending for process with the Bank

xvii) Fixed Assets-Valuation/RevaluationFixed assets are shown at the cost and no revaluation is done.

xviii) Unclaimed liabilities under DEAF scheme 2014 2015-16 2016-17

Opening Balance of amounts transferred to DEAF 152.31 169.20

Add: Amounts transferred to DEAF during hey year 21.96 30.01

Less: Amounts reimbursed by DEAF towards claims 5.07 3.24

Closing balance of amounts transferred to DEAF 169.20 195.97

x)

Profitability

Interest Income as a % of average working funds

9.74%

7.91%

Non -Interest Income as a % of average

working funds

0.41%

0.58%

Operating profit as a % of average working Funds 1.75%

1.25%

Return on average Assets 1.06 % 1.42%

Business (Deposits + Advances) per employee

474.32 493.88

Profit per Employee 3.23 3.16

fds fdsp„ dpZk Ndu Åe “¡

Ndsp„ dpZk S> fds fdu Åe.

26


xi) Provisions Towards:

a) NPA (including BDDR) 828.60 652.87

b) Depreciation in Investments 435.03 435.03

c) Standard Assets 200.00 200.00

xii) Movement of Provision Movement in provision

Sr, No. Particulars Opening Addition Reduction Closing

a.

Towards NPAs 450.00 0.00 325.00 125.00

b.

Investment depreciation 435.03 0.00 0.00 435.03

c. Towards Standard assets 200.00 0.00 0.00 200.00

d. Prov. For specified assets 10.00 0.00 0.00 10.00

Particulars

Book Value As on 31/03/16


Face Value As on 31/03/16


Mkt. Value As on 31/03/16


State and Central Govt. Securities

12216.70 19779.44 12000.00 19179.11 12151.39 19701.28

Approved Trustee 0.00 0.00 0.00 0.00 0.00 0.00

Total 12216.70 19779.44 12000.00 19179.11 12151.39 19701.28

i.HFT (Rs. in Lacs)

Particulars







Nil Nil Nil Nil Nil Nil Nil

2. BREAK-UP OF TOTAL INVESTMENT i) Held to Maturity (Rs. in Lacs)

Sr. No.

Particulars





1 State and Central Govt. Securities 13377.42 22507.57 13388.50 22102.90

2 Shares of Co-op. Bank 0.46 0.46 0.46 0.46

3 Capital Gain Bonds of NHAI (PSU)

50.00 50.00 50.00 50.00

Total 13427.88 22558.03 13438.96 22153.36

I. CLASSIFICATION AND VALUATION OF INVESTMENTS

The bank has classified as per RBI Guidelines as under(1) SLR Investments:i. Permanent –(HTM Category) (Rs. in lacs)

ii. Current Investments .AFS (Rs. in Lacs)

Particulars Book value as on 31/03/2016 Book value as on 31/03/2017

State Govt Securities 8626.19 17969.39

Central Govt Securities 4751.23 4538.18

Total 13377.42 22507.57

27


Particulars







State and Central Govt. Securities

12216.70 19779.44 12000.00 19179.10 12151.39 19701.28

Other Investment (PSU Bonds/Debt Fund)

0.00 4450.00 0.00 4450.00 0.00 4458.34

Approved Trustee Securities

0.00 0.00 0.00 0.00 0.00 0.00

Total 12216.70 24229.44 12000.00 23629.10 12151.39 24159.62

iii. Held for Trading (Rs. in Lacs)

Particulars







Nil Nil Nil Nil Nil Nil Nil

III. SEGMENT REPORTING (Rs. in lacs)

Particulars Treasury(Including Forex)

Banking Operation Total

Segment revenue 4023.57 7161.32 11184.89 Segment Expenditure 3545.80 5826.91 9372.71

Segment profit 477.77 1334.41 1812.18 Unallocated Expenditure 748.68

Net Profit 1063.50 Assets 61841.15 62653.00 124494.15 Liabilities 400.50 114285.31 114685.81 Capital Employed(Assets -Liabilities)

9808.34

ii.) Available for Sale(Rs. in Lacs)

28


Sr. No.

Particulars Directors/their relative

CEO/ED

1. Closing Balance as at year end (fund based)

0.00 0.00

2. Closing Balance as at year end (Non-fund Based) 0.00 0.00

3. OD limit sanctioned during the year 2.50 0.00

4. Loans Disbursed during year 2.00 0.00

5. OD limit surrendered during the year 2.50 0.00

6. Outstanding in OD/Loan as on 31-03-16 0.00 0.00

7. Loans/OD outstanding Recovered 2.00 0.88

8. Interest Received 0.08 0.02

9. Remuneration & Sitting Fees NIL 10.17

V. LEASES The bank has acquired premises for its Sardar Market Branch in Agriculture Producers Marketing Committee's building on 99 years by lease by paying Non Refundable Deposit of Rs., 32,08,000 in October 1998. The bank has shown under the Fixed Assets and amortized the same in 99 years i.e. over the period of lease.

VI. DEFERRED TAXES Calculation of deferred Tax assets (Liabilities) (net) as on 31.03.2017 as given below. (Rs. in lacs)

Particulars 2016-17

Deferred taxes assets

Arising on account of timing differences 11.34

Depreciation

Differed Tax Liabilities

Arising on Account of timing differences 21.84

Depreciation 3.79

Net deferred Tax Liabilities 14.29

IV. RELATED PARTY DISCLOSURE

29


VII. TRANSFER TO/FROM RESERVES During the year, dividend of Rs. 7,49,938.50 ps. being unpaid for the period older than 3 years, has been transferred to statutory reserve.

VIII PRUDENTIAL WRITTEN OFFRs. 238.59 lacs prudentially written off towards bad investment during 2014-15.

IX As per the instructions of RBI, the accounts in which KYC norms are not complied are frozen and no operations are allowed in these accounts. The customers are informed to comply with the KYC norms to commence operations in the account.

X CLAIM AGAINST BANK NOT ACKNOWLEDGED AS DEBTS

A.Y.

Disputed Issue

Dispute lying before

Disputed amount involved

Amount of Tax demand raised

Demand Already paid

Demand payable

2013-14

Liability of Special Reserve

CIT – Appeal

(II) Surat

57,51,930

95,76,230

nil

95,76,230

Expenses on members welfare

6,57,614

Education Fund

3,00,000

Disallowance of Investment Depreciation

148,05,817

Expenses disallowed on proportionate Tax Free Income

9,74,490

2014-15 Liability of Special Reserve

CIT – Appeal, Surat

48,00,000 11,81,610 nil 11,81,610

Education Fund

3,00,000

Disallowance of Investment Depreciation

306,81,350

Expenses disallowed on proportionate Tax Free Income

17,95,228

30


‘qfriô$bp¡X®$ Ap¡a qX$f¡¼V$k£ cgpdZ L$f¡g lpg“p ‘¡V$p r“edp¡dp„ kyQh¡gp ky^pfp-h^pfp“u rhNsp¡.

‘¡V$pr“ed “„.

lpg“p r“edp¡ k|rQs ky^pfp/h^pfpbpv$“p r“edp¡

ky^pfp“y„ L$pfZ

(1)

9A(2)

Ap b¢L$“y„ “pd ""âpCd L$p¡

Ap¡‘f¡V$uh b¢L$ gu.'' A“¡ s¡“y„

“p¢^pe¡gy„ kf“pdy„ : kbS>¡g“u

kpd¡, f]Nfp¡X$, kyfs R>¡. kf“pdp

dp„ L$p¡C a¡fapf ’i¡ sp¡ s¡“u Mbf

fÆõV²$pf kpl¡b“¡ qv$“ 15dp„

Ap‘hpdp„ Aphi¡ A“¡ s¡ õ’pr“L$

hs®dp“ ‘Ódp„ ârkÙ L$fhpdp„

Aphi¡, kf“pdpdp„ a¡fapf ‘¡V$p

r“edp¡dp„ ky^pfp Üpfp L$fhpdp„

Aphi¡.

klL$pfu L$pev$p“u L$gd-22 dp„

v$ip®h¡g A“¡ ‘¡V$p r“ed 3(10)

dp„ ìe[¼s“u ìep¿epdp„ v$ip®h¡g

‘¡Y$u, L„$‘“u, k„õ’p, V²$õV$u L¡$ S>¡“u

Ap¡auk A“¡ / ANf ̂ „^p¡ b¡ÞL$“p

L$pe®n¡Ódp„ Aph¡g lp¡e s¡ ‘f„sy,

L$p¡C‘Z L$pev$p l¡W$m “p¢^pe¡g

klL$pfu d„X$mu kæe ’C iL$i¡

“l].

Ap b¢L$“y„ “pd ""âpCd L$p¡

Ap¡‘f¡V$uh b¢L$ gu.'' A“¡ s¡“y„

“p¢^pe¡gy„ kf“pdy„ : âpCd lpDk,

àgp¡V$ “„. bu-CÞX$-123,

DÛp¡N“Nf, k¡ÞV²$g fp¡X$ “„. 9,

D^“p, kyfs - 394 210 R>¡.

kf“pdp dp„ L$p¡C a¡fapf ’i¡ sp¡

s¡“u Mbf fÆõV²$pf kpl¡b“¡ qv$“

15dp„ Ap‘hpdp„ Aphi¡ A“¡ s¡

õ’pr“L$ hs®dp“ ‘Ódp„ ârkÙ

L$fhpdp„ Aphi¡, kf“pdpdp„

a¡fapf ‘¡V$p r“edp¡dp„ ky^pfp Üpfp

L$fhpdp„ Aphi¡.

klL$pfu L$pev$p“u L$gd-22 dp„

v$ip®h¡g A“¡ ‘¡V$p r“ed 3(10)

dp„ ìe[¼s“u ìep¿epdp„ v$ip®h¡g

‘¡Y$u, L„$‘“u, k„õ’p, V²$õV$ L¡$ S>¡“u

Ap¡auk A“¡ / ANf ̂ „^p¡ b¡ÞL$“p

L$pe®n¡Ódp„ Aph¡g lp¡e s¡ kæe

’C iL$i¡. ‘f„sy, L$p¡C‘Z L$pev$p

l¡W$m “p¢^pe¡g klL$pfu d„X$mu

kæe ’C iL$i¡ “l].

lh¡ õhdpguL$u“u

r d ë L $ s ’ C

lp¡hp’u.

h^y õ‘ô$uL$fZ

A’£.

rhfp¡^ A¡V$g¡ Ap‘Z¡ kpQp dpN£ lp¡hp“y„ kV$}qaL¡$V$.

31


s|V¡$gp k„b„^p¡“¡ ‘Z A¡hp k|L$p aŸg“u S>¡d kpQhÅ¡ L¡$...

Äepf¡ ‘Z s¡“u ‘f õdfZp¡“y„ ‘pZu R>p„V$uA¡ Ðepf¡ dl¡L$u DW¡$.

âNrsNp’p ‘f A¡L$ DX$su “S>f....

i¡f c„X$p¡m

kcpkv$ k„¿ep

fuTh® A“¡ AÞe a„X$p¡

’p‘Z

r^fpZ

L$fS>

fp¡L$pZ (L$p¡g d“u klus)

ipMp

L$d®QpfuNZ

L$pQp¡ “ap¡

Qp¡¿Mp¡ “ap¡ (V¡$n bpv$)

qX$rhX$ÞX$

N°p¡k A¡“.‘u.A¡.

“¡V$ A¡“.‘u.A¡.

L$pe®L$pfu c„X$p¡m

Ap¡qX$V$ hN®

139.07

6344

434.54

5660.25

3537.99

0.01

2078.17

7

72

262.30

228.20

15

95.85

81.30

6497.69

%

"A'

281.10

10780

1981.27

13336.08

7707.72

0.03

6360.35

13

140

372.44

291.09

15

436.09

0.00

16337.35

%

"A'

31-03-00 31-03-05 31-03-10

766.50

14266

2775.97

40245.14

20850.07

13.71

21916.85

25

263

704.60

340.28

15

507.62

0.00

48755.93

%

"A'

31-03-15

1993.33

17499

3819.19

78993.43

50741.35

534.68

32312.74

32

305

1626.43

905.60

15%

793.61

0.00

91027.27

"A'

rhNs 31-03-16

2257.06

18070

6054.21

89055.39

57036.13

0.55

35461.84

32

308

1644.74

995.08

15% (k|rQs)

706.60

0.00

102015.03

"A'

51.07

4820

2.74

549.07

295.47

0.00

200.01

1

16

9.85

6.66

15%

0.00

0.00

715.20

"A'

31-03-95 31-03-17

2,331.05

18211

6,413.79

1,12,081.71

53,863.17

0.01

59,880.00

36

336

2,236.88

1,063.50

15% (k|rQs)

601.91

0.00

1,25,235.94

"A'

32


jtmto bttk fhujt vt{dtr;t lte ljtf hfbtbttk 2017...jtmto bttk fhujt vt{dtr;t lte ljtf hfbtbttk (...

Documents