nm獮©ZmW H$mo-Am°n. ~±H$ {b., H$mo螐mnya

nmíd©ZmW H$mo-Am°n. ~±H$ {b., H$moëhmnya

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23 dm dm{f©H$ Ahdmb

dm{f©H$ gd©gmYmaU gôMr ZmoQ>rg(\$ŠV g^mgXm§H$[aVm)

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ñQ>oQ> ~±Ho$g_moa, {edmOr CÚ_ZJa, H$moëhmnya òWo Am`mo{OV Ho$br AgyZ gXa gôg AmnU doioda CnpñWV ahmdo, hr Z_« {dZ§Vr.

gônwT>rb {df` 1. _mJrb {X.21/09/2019> B.amoOr Pmboë`m dm{f©H$ gd©gmYmaU gôMo B{Vd¥ËV dmMyZ H$m`_ H$aUo.2. Am{W©H$ df© 2019-2020 H$[aVm g§MmbH$ _§S>imZo gmXa Ho$bobm dm{f©H$ Ahdmb, Vmio~§X d Z\$mVmoQ>m nÌH$ `m§g _§Owar XoUo.3. g§MmbH$ _§S>imÀ`m {e\$maerZwgma gZ 2019-2020 `m gmbmÀ`m Z\$m {d^mJUrg _§Owar XoUo.4. Am{W©H$ df© 2020-2021 H$[aVm V`ma Ho$boë`m A§XmO nÌH$mg _§Owar XoUo VgoM, Am{W©H$ df© 2019-2020 À`m A§XmOnÌH$mnojm

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Ho$bobm gZ 2018-2019 gmbMm Xmof Xþê$ñVr Ahdmb dmMyZ pñdH$maUo.6. Am{W©H$ df© 2020-2021 `m gmbmH$[aVm ghH$ma {d^mJmÀ`m boImn[ajH$ Zm_Vm{bHo$_Yrb boImnarjH$m§Mr ~±Ho$Mo d¡Ym{ZH$

boImnarjH$ åhUyZ {Z`wŠVr H$aUo.7. ~±Ho$Mo g§MmbH$ d Ë`m§Mo ZmVodmB©H$ `m§Zm {Xboë`m H$Om©Mr Zm|X KoUo.8. g§MmbH$ _§S>imZo$~±Ho$H$S>rb WH$~mH$sXmam§Mr WH$a¸$_ dgwb H$aUoÀ`m ÑîQ>rZo emgZmMr EH$aH$_r H$O© naV\o$S> `moOZoImbr

Amboë`m àñVmdm§Zm AZwgê$Z WH$~mH$s dgwbrñVd nmÌ WH$~mH$sXmam§Zm ~wS>rV {ZYr, OmXm ì`mO, gaiì`mO, [a~oQ> `m_Üò {Xboë`m gwQ> a¸$_og _§Oyar XoUo.

9. AZwËnm{XV H$O© ImË`m§Mr ~mH$s Ë`mnmoQ>r AgUmè`m ñdV§Ì VaVyXt_YyZ dgwbr h¸$ A~mYrV R>odyZ {Zb}{IV H$aUo~m~V {ZU©` KoD$Z _§Oyar XoUo.

10. nmoQ>{Z`_ XþéñVr àñVmdmg _§Owar XoUo (nmoQ>{Z`_ XþéñVrMm àñVmd ZmoQ>rg ~moS>m©da bmdUoV Ambobm Amho.)11. dm{f©H$ gd©gmYmaU gôg AZwnpñWV AgUmè`m g^mgXm§Mr AZwnpñWVr j_m{nV H$aUo.12. _m.AÜ`j `m§Mo nadmZJrZo EoZdoir òUmè`m {df`mda MMm© H$aUo.

g§MmbH$ _§S>imMo AmXoemdê$Z

H$moëhmnya lr.Vwieram_ bQ>H$Z{X. 31/01/2021 _w»` H$m`©H$mar A{YH$mar

gyMZm 1. nwaoem H$moa_ A^mdr g^m VhHy$~ Pmë`mg `m gôMo H$m_H$mO Ë`mM {Xder Ë`mM {R>H$mUr AÜ`m© VmgmZ§Va gwê$ hmoB©b.

Aem gôg H$moa_Mr Amdí`H$Vm AgUma Zmhr.2. Am{W©H$ df© 2019-2020 Mo Vmio~§X d Z\$mVmoQ>m nÌH$mg§X^m©V H$mhr gyMZm AJa àíZ {dMmamd`mMo AgVrb Va Ë`m§Zr

{X.25/01/2021 n`ªV boIr ñdê$nmV _w»` H$m`m©b`m_Üò H$m`m©b`rZ doioV g_j AmUyZ ÚmdoV. EoZdoir ̀ oUmè�`m gwMZm AJa àíZm§Mm {dMma Ho$bm OmUma Zmhr.

3. Am{W©H$ df© 2019-2020 Mm dm{f©H$ Ahdmb, Vmio~§X d Z\$m�VmoQ>m nÌH$ ~±Ho$À`m ZmoQ>rg ~moS>m©da à{gÜX Ho$bo Amho. VgoM Vo ~±Ho$Mo g§Ho$V ñWi www.parshwanathbank.com `mda hr CnbãY Amho.

4. gôg òVmZm H¥$n`m AmoiInÌ AmUmdo.5. H$modrS>-19 ~m~V {deof gyMZm … A) g^mgXm§Zr gôg òVmZm _mñH$Mm dmna H$aUo ~§YZH$maH$ Amho. ~) g^m _§S>nmÀ`m

n«doeÛmam ~mhoa R>odbobo h°ÊS>g°{ZQ>m`PaMm dmna H$aUo Amdí`H$ Amho. H$) g^mgXm§Zr g^m _§S>nm_Üò gm_m{OH$ A§Va R>odyZ ~gmdo.


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TDS ON CASH WITHDRWAL U/S 194N OF INCOME TAX ACT.H|�Ðr` ~OoQ� 2019 Zwgma Am`H�a H�m`Xm H�b_ 194 EZ Zwgma {X. 01 gßQ�|~a 2019 nmgyZ ~Xb Ho�bm AgyZ gXa H�m`Úm_Ü ò 1 Owb¡

2020 nmgyZ Jobr VrZ df} Am`H�a {ddaU nÌHo� gmXa Ho�bobr AmhoV Aem J«mhH�mgmR�r Am{W©H� df© 2020-21 gmR�r 1 H�moQ�r nojm OmñV

Agbog 2% XamZo Q�rS�rEg H�nmV H�amdr bmJUma Amho d Á̀ m J«mhH�m§Zr Jobr VrZ df} Am`H�a {ddaU nÌHo� gmXa Ho�bobr ZmhrV

Ë`m§À`mgmR�r 20 bmI Vo 1 H�moQ�rn`ªV 2% d 1 nojm darb aH�_oda 5% XamZo Q�rS�rEg H�nmV H�amdr bmJUma Amho.

Ho�.dm`.gr. nyV©Vm H�aUo~m~V g^mgXm§Zm AmdmhZ~±Ho�À`m Amnë`m J«mhH�m§Zm AmoiIÊ`m (Ho�.dm`.gr.) g§~§Yr _mZX§S�m~m~V ̂ maVr` [aPì h© ~±Ho�À`m _mJ©Xeu gyMZm {ZJ©_rV Ho�ë`m AmhoV. ̀ mMr nyV©Vm H�aUo~m~V ~±Ho�_m\©�V doimodoir gyMZm {Xbobr hmoVr. VWm{n AÚmnhr H�mhr g^mgX d J«mhH�m§Zr Ho�.dm`.gr. nyV©Vm Ho�br Zgë`mMo {ZXe©Zmg Ambo Amho. ̀ m Omhra ZmoQ�rgrÛ mao nwÝ hm EH�Xm Amåhr ~±Ho�_m\©�V AmnUmg Ho�.dm`.gr. nyV©Vm H�aÊ`mMr {dZ§Vr H�arV AmhmoV. Á̀ m emIo_Ü ò Amnbo ImVo Amho. Ë`m emIo_Ü ò H�m`m©b`rZ H�m_H�mOmÀ`m doioV emIm{YH�mar qH�dm g§~§{YV A{YH�mar ̀ m§À`mer g§nH©� gmYyZ d Ho�.dm`.gr.gmR�r Imbrb H�mJXnÌm§À`m ̀ mXrVrb Amdí`H� H�mJXnÌmgh gÜ `mMm Amnbm \�moQ�mo XoD�Z nyV©Vm H�amdr. Ho�.dm`.gr. H�[aVm Imbrb nyV©Vm H�aUo Amdí`H�1) gÜ `mMm AÚ̀ mdV \�moQ�mo2) d¡ `pŠVH� AmoiIrgmR�r - *nmgnmoQ�©* n°ZH�mS�© * {ZdS�UyH� AmoiInÌ * S´�m`pì h¨J bm`gÝg * gaH�mar/{Z_gaH�mar H�m`m©b`mMo AmoiInÌ * AmYma H�mS�© ̀ mn¡ H�s H�moUË`mhr EH�mMr à_m{UV àV.3) nÎ `mMm nwamdm - * Q�o{b\�moZ {~b * bmB©Q� {~b * aoeZ H�mS�© * ~±H� nmg~wH� * a{hdmgr XmIbm * AmYma H�mS�© ̀ mn¡ H�s H�moUË`mhr EH�mMr à_m{UV àV XoUo Amdí`H�.darb H«�. 1 Vo 3 H�mJXnÌm§Mr nyV©Vm H�amdr. Z Ho�ë`mg ̂ maVr` {aPì h© ~±Ho�À`m Ho�.dm`.gr. _mJ©Xeu _mZX§S�mà_mUo {ZYm©[aV AZw~§Y nyU© Z Ho�ë`mg Amnë`mbm ImVoda ì `dhma H�aÊ`mg à{V~§Y H�aÊ`mV òB©b. H¥�n`m J«mhH�m§Zr Ho�.dm`.gr. nyV©Vm H�ê�Z Amnbr hmoUmar J¡ agmo` Q�mimdr.

DEAF(TheDepositors Education and Awareness Fund Scheme, 2014)

(~±qH�J ao½ `wboeZ A°ŠQ� 1949 _Yrb H�b_ 26/E _Yrb nmoQ�H�b_ 1 d 5 AÝdòCnamoë boIrV `moOZm V`ma Ho�br AgyZ Ë`mMr Vnerbdma _m{hVr Imbrbà_mUo)

21 _mM© 2014 À`m [aPì h© ~±Ho�À`m n[anÌH�mg AZwgê�Z OyZ 2014 nmgyZ, 10 df} qH�dm 10 dfm©nojm OmñV df} ~±Ho�_Ü ò Agboë `m H�moUË`mhr R�od àH�maÀ `m ImË`m_Ü ò O_m Ho�bobr aŠH�_ qH�dm 10 df} qH�dm 10 dfm©nojm OmñV {Xdg ì `dhma Ho�bo ZmhrV Va Aem ImVoXmam§À `m ImË`mdarb aH�_m gXa ̀ moOZoA§VJ©V [aPì h© ~±H� B§{S�̀ m ̀ m§MoH�S�o dJ© Ho�ë `m OmVmV. Ë`m {XdgmnmgyZ naV\o�S� VmaIon`ªV R�odrXmamg / ImVoXmamg Ë`m aH�_odarb ì `mO ho gopì h¨J ì `mOXamZo [aPì h© ~±Ho�H�Sy�Z {Xbo OmB©b.

[aPì h© ~±Ho�H�S�o aŠH�_ dJ© Ho�boë`m ImVoXmam§Zr gXa aH�_og§X^m©V gË`Vm nS�VmiyZ (Ë`m aŠH�_og§X^m©Vrb Iwbmgm, Ho�dm`gr nyV©Vm, ghrMm Z_wZm d ImVoXmamMr AmoiI) gXaMr aŠH�_ naV _mJUr H�ê� eH�Vm. Aem doir R�odrXma / ImVoXma ̀ m§Zr g§~§{YV ~±Ho�À`m emIoV arVga AO© H�ê�Z ~±Ho�_m\©�V Aer dJ© Ho�bobr aŠH�_ [aPì h© ~±Ho�H�Sy�Z naV _mJ{dVm ̀ oB©b.

gXa ̀ moOZoA§VJaV H�mhr AS�MUr qH�dm VH«�ma Agbog Ë`mMo {ZamH�aU H�aUoH�[aVm Amnbo ImVo Agboë`m emIo_Ü ò emIm{YH�mar `m§Mr ̂ oQ� ¿̀ mdr.

gd© J«mhH�m§Zm {dZ§Vr Amho H�s, Amnbo ImVo Am°nao{Q�ì h R�odyZ Amnbr R�od DEAF A/c bm OmUma Zmhr ̀ mMr XjVm ¿̀ mdr.


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V U23 dm dm{f©H$ Ahdmb gZ 2019 - 2020

gÝ_mZZr` g^mgX ~§Yw^{JZrZm|,

gñZoh Z_ñH$ma,

Amnë`m ~±§Ho$À`m gZ 2019-2020 `m Am{W©H$ dfm©À`m 23 ì`m dm{f©H$ gd©gmYmaU gô_Üò CnpñWV Agboë`m gd© g^mgX-~§Yy ̂ {JZtMo _r _Z…nyd©H$ hm{X©H$ ñdmJV H$aVmo. ~±Ho$À`m g§MmbH$ _§S>imMo dVrZo {X.31.03.2020 AIoa ~±Ho$À`m ì`dhmam ~m~VMo Ahdmbµ Vmio~§X Z\$m-VmoQ>m nÌH$ d AÝ` {hemo~ nÌHo$µ V`ma H$ê$Z Vr {df`mghrV AmnUm§g_moa _§OyargmR>r gmXa H$aVmZm _bm {deof AmZ§X hmoV Amho.

AmOÀ`m ~XbË`m AW©ì`dñWo_Üò d H$modrS>-19 `m _hm_mar_wio OmJVrH$ AW©ì`dñWoda n[aUm_ Pmbm Amho.Joë`m _mM© 2020 nmgyZ bm°H$S>mD$Z gwê$ hmoVo Vo Odinmg 7 Vo 8 _{hZo gd© ì`dgmµ` CÚmoµJ ì`mnma nyU© nUo ~§X AgboZo Odi nmg gd©M joÌm§Zm `mMr _moR>`m à_mUmV Pi gmogmdr bmJbobr Amho.`m H$modrS>-19 _hm_mar_wio Amnbo {_Ìµ ZmVodmB©µH$ g^mgXµ ImVoXma d {hVqMVH$ ̀ m§Mo {ZYZ Pmbo Ë`mg Am_À`m ~±Ho$À`m dVrZo ^mdnyU© lÜXm§Obr.

~±Ho$Zo AmnUm gdm©À`m ghH$m`m©Zo d {dídmgmÀ`m nmR>~imda gd© ImVoXmam§Zm AË`mYw{ZH$ ~±H$s¨J godm-gw{dYm CnbãY H$ê$Z {Xë`m AmhoV ~±Ho$Zo gwadmVr nmgyZM ghH$mar H$m`Xmµ ~±H$s¨J A{Y{Z`_µ nmoQ>{Z`_µ [aPìh© ~±Ho$Mr n[anÌHo$ d _mJ©Xe©H$ gwMZm `mg A{YZ amhÿZ H$m_H$mO H$aUoMo YmoaU am~{dbo Amho.~±Ho$Zo AYw{ZH$ V§ÌkmZ d gw{dYm _m\©$V _mo~mB©b ~±H$s¨J Q>obr~°H$s¨J gwadmVrnmgyZM {Xboë`m AmhoV AÝ` ~±H$m§er Tieup H$ê$Z SMS Banking, RTGS-NEFT, Personalized Cheque Book Printing, Lockers, ATM Tie-up Nach, Aadhar Linkage, IMPS, BBPS, GST & Income Tax âUmµ bmB©Q> ~rbµ _mo~mB©b ~rb âUm VgoM Rupay ATM Debit Card YmaH$m§gmR>r ê$.1 bmIm§Mm AnKmVr {d_m XoIrb Amho `m gd© gw{dYm§Mm bm^ J«mhH$m§Zm {_imbm Amho. `mMm Amåhmg AmZ§X Amho.

[aPìh© ~±Ho$Zo pŠbAatJ {gpñQ>_ _Üò ~Xb H$ê$Z bmJy Ho$boë`m CTS Clearing Amnë`m ~±Ho$Zo èñdr nUo gwê$ Ho$bobr Amho.

[aPìh© ~±Ho$Mo {ZH$f d _wÐm§H$ ewëH$ H$m`ÚmVrb ~Xbµ Am`H$a H$m`Xmµ GST VgoM Jw§VdUyH$s ~m~V ~mOmanoR>oVrb ApñWaVm boImn[ajUµ _wë`_mnZ d dJ©dmarMo {ZH$f `m_Üò hmoUmè`m ~±H$m§darb ~XbmMm n[aUm_ `mMo V§VmoV§V nmbZ H$ê$Z ì`dgm` H$amdm bmJVmo Ë`mda _mV H$aV {X. 31.03.2020 AIoa (CRAR) à_mU [aPìh© ~±Ho$À`m {ZH$fm à_mUo 9% Ano{jV AgwZ àË`jmV ho à_mU 15.16% R>odbo Amho hr A{^_mZmMr ~m~ Amho.

~±Ho$Zo [aPìh© ~±Ho$À`m _mJ©Xe©H$ gwMZm à_mUoµ _mgrµH$ {V_mhrµ ghm_mhrµ dm{f©H$ {ddaUnÌHo$ VgoM


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ghH$ma ImVoµ _hmamï´²> emgZ `m§Zm nmR>dmd`mMr Amdí`H$ Vr gd© _m{hVr doioda nmR>{dbr Amho. ~±Ho$À`m gd© R>odrXmam§Zm ê$.5 bmImn`ªVÀ`m R>odtZm {d_m g§ajU Amho. [aPìh© ~±Ho$À`m {S>nm°{PQ> BÝí`waÝg Am{U H«o$S>rQ> J°a|Q>r H$mnm}aoeZ Am°\$ B§{S>`m `m§MoH$So> Amnbr ~±H$ gwadmVr nmgyZ g^mgX Amho.àËòH$ ghm_mhr Ë`mMo {à{_`_Mr a¸$_ Deposit Insurance Guarantee Corporation of India `m§MoH$So> O_m Ho$br Amho.

~±Ho$H$S>rb CnbãY {ZYrMm {d{Z`moJ [aPìh© ~±§Ho$Mo H$O© {dVaUm ~m~VMo {ZH$f d ~±Ho$Mo H$O© YmoaU `mg AZwgê$Z H$O© {dVaU Ho$bo AgyZ WH$~mH$s d NPA _Yrb ImVoXmam§H$S>rb a¸$_ dgwbrgmR>r A{YH$ H$m`©j_VoZo YmoaU am~{dbobo Amho.

~±Ho$H$S>rb WH$~mH$s d NPA hm ~°Ho$À`m {dH$mg d àJVr_Yrb _moR>m AS>Wim AgyZ ~±Ho$H$So> H$mhr _moR>o WH$~mH$sXma H$m`ÚmVrb nidmQ>m§Mm AmYma KodyZ ~arM df} {d{dY H$moQ>m©V Xmdo XmIb H$ê$Z Ë`m§Mo H$S>rb H$O© a¸$_ ̂ aUog Q>mimQ>mi H$arV AmhoV.Var _mPr AmnUm§g nwZí…M {dZ§Vr Amho H$s AmnU Amnbr WH$~mH$s ^ê$Z ghmH$m`© H$amdo.

~±Ho$Zo gZ 2019-20 `m Am{W©H$ dfm©_Üò CËH¥$ð> H$m`© Ho$boMr nmohmoM nmdVr åhUOo ~±Ho$bm {_im-bobm boImn[ajU dJ© A hmo`. Amnë`m gdm©À`m ghH$m`m©Zo ~±H$ èmMr nmàr ga H$aV Amho. Am{U Amnë`m ~hþ_mob ghH$m`m©Zo ho eŠ` Pmbo Amho hr A{^_mZmMr ~m~ Amho. {X. 31/03/2020 amoOr g§nboë`m Am{W©H$ dfm©_Üò ~±Ho$Zo Ho$boë`m àJVrMm AmT>mdm {df` n{ÌHo$Zwgma AmnUm§g_moa gmXa H$arV AmhmoV.

g^mgX d ^mJ^m§S>db …

{X.31/03/2019 AIoa ~±Ho$Mo EHw$U g^mgX 9948 BVHo$ AgwZ dgwb ^mJ^m§S>db ê$.793.06 bmI BVHo$ hmoVo. Ahdmb gmb AIoa ~±Ho$Mr g^mgX g§»`m 9908 BVH$s Pmbr AgwZ dgwb ^mJ^m§S>db ê$.794.46 bmI BVHo$ Pmbo Amho. ~±Ho$À`m dgwb ^mJ ^m§S>dbmV ê$.1.40 bmI BVH$s dmT> Pmbr AgwZ [aPìh© ~±Ho$À`m {ZH$fmZwgma _mb_ËVm OmoIr_ ^m§S>db à_mU (CRAR) Amnë`m ~±Ho$Mo ho à_mU 15.16% BVHo$ Amho. hr g_mYmZmMr ~m~ Amho. ~±Ho$À`m ̂ mJ^m§S>dbmV dmT> H$aÊ`mÀ`m Ñï>rZo ZdrZ g^mgX H$ê$Z VgoM gÜ`mÀ`m g^mgXm§Zm ^mJ^m§S>dbmV A{YH$ Jw§VdUwH$ H$aUogmR>r àmoËgmhrV H$ê$Z ~±H$ ^m§S>db dmT>rgmR>r à`ËZerb Amho.

amIrd d BVa {ZYr …

{X.31/03/2019 AIoa ~±Ho$Mm amIrd d BVa {ZYr ê$. 1,971.30 bmI BVHo$ hmoVo. Ahdmb gmb AIoa amIrd d BVa {ZYr ê$.1,896.38 bmI BVHo$ AmhoV.

R>odr …

Ahdmb gmb AIoa ~±Ho$À`m EHy$U R>odr ê$.16,281.71 bmI BVŠ`m Pmë`m AmhoV. ì`mnmar d AÝ`


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ghH$mar ~±H$m§À`m VwbZoZo ì`mOXa {Z`§{ÌV Ho$bo AmhoV. R>od g§H$bZm_Üò d¡`pŠVH$ R>odrda A{YH$ â {Xbm Amho. ~±Ho$À`m EHw$U R>odrV H$_r ì`mOXamÀ`m R>odrMo à_mU (CASA Deposit) 24.78% BVHo$ Amho.

R>od {d_m …

Ahdmb gmbmV {S>nm°{PQ> BÝewaÝg H$mnm}aoeZ (D.I.C.G.C.) H$So> {à_r`_nmoQ>r {X. 29/04/2019 B. amoOr ê$. 7.91 bmI d {X.04/11/2019 amoOr ê$. 7.44 bmI Aer EHw$U ê$. 15.35 bmI BVH$s a¸$_ âUm Ho$br Amho.

H$O} …

{X.31/03/2019 AIoa ~±Ho$Mr EHw$U òUo H$O© a¸$_ ê$.10,891.13 bmI BVH$s hmoVr. Ahdmb gmb AIoa ~±Ho$Mr òUo H$O© a¸$_ ê$.11,363.95 bmI BVH$s Amho. `m_Üò VmaUr H$O} ê$.11,363.29 bmI d {dZmVmaU H$O} ê$.0.66 bmI BVH$s AmhoV. [aPìh© ~±Ho$Mo YmoaUmZwgma ~±Ho$Zo Ahdmb gmbAIoa EHw$U H$O© nwadR>`mn¡H$s AJ«H«$_ joÌmgmR>r 40% Amdí`H$ AgVmZm àË`jmV 56.09% Va Xþ~©b KQ>H$m§gmR>r 10% Amdí`H$ AgVmZm àË`jmV 17.70% BVH$m H$O© nwadR>m Ho$bm Amho.

~±Ho$H$S>rb CnbãY {ZYrMm {d{Z`moJ [aPìh© ~±Ho$Mo H$O© {dVaUm~m~VMo {ZH$f d ~±Ho$Mo H$O© YmoaU `m§g AZwgê$Z àmYmÝ`nwaH$ joÌ, Xþ~©b KQ>H$ d Aën g§»`m§H$ VgoM AÝ` CËnmXH$ joÌ `m§MoH$[aVm H$ê$Z ~±Ho$Mr bm^Vm dmT>rgmR>r d gwa{jVVobm àmYmÝ` XodwZ H$O© {dVaU H$aUo ho ~±Ho$Mo à_wI H$V©ì` Amho. `mM YmoaUmMm Adb§~ H$ê$Z ~±Ho$Zo Ahdmb gmbmV H$O© {dVaU Ho$bo AgwZ WH$~mH$s d EZ.nr.E.Vrb ImVoXmam§H$S>rb a¸$_ dgwbrgmR>r A{YH$ H$m`©j_VoZo YmoaU am~{dbobo Amho. Ahdmb gmb AIoa T>mo~i EZ.nr.E.15.41% Va {Zìdi EZ.nr.E.9.44% am{hbm Amho. EZ.nr.E.H$[aVm ê$. 738.63 bmIm§Mr VaVwX Amdí`H$ AgVmZm ê$.748.53 bmIm§Mr VaVwX ~±Ho$Zo Ho$br Amho.

Ahdmb gmb AIoa Á`m {d{eï> joÌmg A{YH$ H$O©nwadR>m Pmbm Amho qH$dm Á`m joÌmVrb H$O©nwadR>`mVwZ {Z`{_V dgwbrg AS>MUr òV AmhoV, Aem joÌm§EodOr AÝ` CËnmXH$ joÌm§_Üò bhmZ d _Ü`_ ñdê$nmMr H$O} XodwZ ~±Ho$Mo H$O© {dVaU gj_ d g_Vmob H$aUoMm ì`dñWmnZmMm à`ËZ Amho. ~±Ho$À`m EHw$U R>odter H$Om©Mo à_mU (CD Ratio) 69.80% BVHo$ Amho.

Jw§VdUwH$ …

{X.31/03/2019 AIoa ~±Ho$Mr gaH$mar d gaH$ma_mÝ` amoIo, ~±H$ R>odr B.Vrb EHw$U Jw§VdUwH$ ê$.4,092.37 bmI BVH$s hmoVr. Va Ahdmb gmbAIoa ê$.4,381.21 bmI BVH$s Amho hr g§nyU© Jw§VdUyH$ aŠH$_ gwa{jV Amho.


6


Z\$m / VmoQ>m …

Ahdmb gmb AIoa ~±Ho$g gd© VaVwXr Ho$boZ§Va ê$. 72.75 bmI {Zìdi Z\$m Pmbm Amho, nU gZ 2016-17 Mm {e„H$ Agbobm VmoQ>m ê$.64.08 bmI _YwZ {Zìdi Z\$m dOm OmVm Vmio~§XmV ê$.8.67 bmI Z\$m {XgV Amho.Amåhr gZ> 2020-2021 `m Am{W©H$ dfm©_Üò {ZpíMVnUo âKmog Zâ`m_Üò òD$Z bm^m§e XoUoMm à`ËZ H$ê$ hr ½dmhr XoVmo. gZ 2019-20 Mm Z\$m Imbrbà_mUo {d^mJUr H$aUog {e\$mag H$arV Amho.

Z\$m {d^mJUr

{Zìdi Z\$m é. 8,66,816-61

Z\$m {d^mJUr é. 2,50,000-00 amIrd {ZYr> é. 3,00,000-00 Jw§VdUyH$ MT>-CVma {ZYr é. 3,16,816-61 g§e{`V ~wS>rV H$O© {ZYr EHy$U é. 8,66,816-61

g§MmbH$ _§S>imZo {e\$mag Ho$bobm Am{W©H$ df© 2019-20 Mm dm{f©H$ Ahdmb, Vmio~§X, Z\$mVmoQ>m nÌH$ d A§XmOnÌH$mnojm OmXm Pmboë`m IMm©g _§Owar Úmdr, hr {dZ§Vr.

VnmgUr …

~°Ho$Mo gZ 2019-20 Mo d¡Ym{ZH$ boImn[ajU _o. Eg. ìhr. \$S>Urg, MmQ>©S©> AH$m¢Q>§Q>, H$moëhmnya `m§Zr nwU© Ho$bo AgyZ Ë`m§Zr ~±Ho$bm boImn[ajU dJ© "A' {Xbobm Amho.

Ahdmb H$mbmdYrV Ë`m§Zr ~±Ho$À`m H$m_H$mOm~m~V g_mYmZ ì`ŠV H$ê$Z H$m_H$mOmV AmUIr gwYmaUm H$er hmoB©b, `m~m~V H$mhr _m¡{bH$ gyMZm Ho$boë`m AmhoV, Ë`m~Ôb g§MmbH$ _§S>i Ë`m§Mo AË`§V Am^mar Amho.

~±Ho$Mo gZ 2019-20 Mo gaH$mar d gaH$ma_mÝ` amo»`mVrb Jw§VdUwH$ d IaoXr {dH«$r ì`dhmam§Mo {V_mhr boImn[ajU _o. gwem§V \$S>Urg A°ÊS> H§$., MmQ>©S©> AH$m¢Q>§Q>, H$moëhmnya `m§Zr nyU© Ho$bo Amho. Ë`mMm XmIbm [aPìh© ~±Ho$g Xa {V_mhrg nmR>{dbm Amho.

Am{W©H$ df© 2018-19 Mr [aPìh© ~±H$ VnmgUr _m.lr. E_. ImOm _m¡Zw{ÔZ, VnmgUr A{YH$mar `m§Zr


7


Ho$br AgwZ Ë`mMm VnmgUr Ahdmb {X.02/06/2020 amoOr àmá Pmbm Amho. Ë`mMm Xmof Xþê$ñVr Ahdmb {X.10/07/2020 amoOr [aPìh© ~±Ho$g nmR>dbm Amho.

Ahdmb gmbmAIoa ~±Ho$V EHy$U 99 godH$dJ© AgyZ Ë`mn¡H$s A{YH$mar 27 VgoM g~ñQ>m\$ 72 Aer dJ©dmar Amho. g§ñWoMr àJVr hr godH$m§Mr {Zð>m d H$m`©j_Vm `mda Adb§~wZ AgVo. ~±qH$Jgma»`m godm joÌm_Üò H$_©Mmè`m§Mo `moJXmZ _moR>o AgVo. ~±H$ ì`dñWmnZ d H$_©Mmar, {n½_r EO§Q> `m§À`mVrb g§~§Y gbmo»`mMo d nañna ghH$m`m©Mo amhrbo AmhoV. H$_©Mmè`m§Mr gwa{jVVm, gwIgmo`r d àJVr `mgmR>r ~±H$ gX¡d à`ËZerb Amho.

AmYw{ZH$ ~±qH$J gw{dYo ~amo~aM à{ejU d _mJ©Xe©ZmMr JaO AmoiIwZ, à{Vdfu à{ejU H$m`©H«$_ am~dbm OmV Amho. à{ejUm_wio godH$ d g§MmbH$m§Zm ~±qH$J joÌmVrb ZdrZ ~Xb, bmJw hmoUmao {ZH$f, H$m`Xo `m§Mo gImob kmZ hmoVo. à{e{jV godH$ dJ© ho g§ñWoMo ^yfU AgVmV. à{e{jV H$_©Mmè`m§À`m ghH$m`m©VwZM g§ñWm _moR>r hmoV AgVo. Ahdmb gmbmV g§MmbH$, A{YH$mar, ŠbmH©$, {enmB© `m§Zm Zm_m§{H$V à{ejU g§ñWm `m§Mo_m\©$V à{ejU XoUoV Ambo Amho.

~±Ho$Zo g^mgX ImVoXmam§gmR>r Ë`m§Mo Amamo½` {R>H$ amhUo H$[aVm Amamo½` {e~ramMo Am`moOZ H$ê$Z Ë`m§Zm {ZamoJr H$aÊ`mMm à`ËZ Ho$bm Amho. aŠVXmZ {e~ra, JwS>Ko XþIÊ`mÀ`m VH«$marda O_©Z Q>o{ŠZH$Zo n°am°Jm°Z _mo~°{bQ>r [ah°~ (LLP) CX`nwa, amOñWmZ ̀ m§Mo 8 {XdgmMo {e~ra Am`mo{OV Ho$bo hmoVo, Ë`mMm 1000 J«mhH$m§Zr bm^ KoVbm.

VgoM ~±Ho$Zo gm_m{OH$ dZrH$aU H$aUogmR>r OZOmJ¥VrMm ^mJ åhUwZ nmíd©ZmW Q´>r ~±H$ `moOZm am~dwZ ImVoXma J«mhH$m§Zm _mo\$V PmSo> dmQ>n Ho$bo AmhoV. Aem AZoH$ gm_m{OH$ H$m`m©_Üò ~±H$ AJ«oga Amho.

lÜXm§Obr …

Ahdmb gmbmV ~±Ho$Mo _mÝ`da, g^mgX, ImVoXma, R>odrXma, H$_©Mmar, {hVqMVH$, e¡j{UH$, gm{hpË`H$, amOH$s`, H$bm, {H«$S>m, Am¡Úmo{JH$, ~±qH$J, ghH$mar joÌmVrb, XoemVrb Wmoa ì`ŠVr, ZoVo, XoemÀ`m g§ajUmgmR>r gr_oda YmamVrWu nS>bobo OdmZ, Aem kmV d AkmV ì`ŠVtÀ`m Xþ…IX {ZYZm~Ôb gXa gôV lÜXm§Obr An©U H$ê$Z Ë`m§À`m _¥VmËå`mg {Maem§Vr, gXJVr bm^mo Aer B©ídaMaUr àmW©Zm!

Am^ma

Ahdmb gmbmV [aPìh© ~±H$ VnmgUr A{YH$mar, ghH$ma ImË`mVrb A{YH$mar, d¡Ym{ZH$ boImn[ajH$ _o.gwem§V \$S>Urg A°ÊS> H§$., MmQ>©S©> AH$m¢Q>§Q>, H$moëhmnya VgoM ~±Ho$Mo CnmÜ`j _m.{dZmoX^mB© _ohVm d _mPo gd© ghH$mar g§MmbH$ Am{U ~±Ho$Mo gd© A{YH$mar, H$_©Mmar dJ© `m§Zr ~±Ho$À`m pñWaVogmR>r, {dH$mgmgmR>r Á`m {dídmgmh©VoZo, AmnwbH$sZo _mJ©Xe©Z d ghH$m`© Ho$bo Ë`m~Ôb _r Ë`m§Mm Am^mar Amho.


8


~±Ho$Mo gÝ_mZZr` g^mgX, R>odrXma, H$O©Xma, {hVqMVH$ `m gdmªZr _bm ~±Ho$Mr godm H$aÊ`mMr g§Yr CnbãY H$ê$Z {Xbr Ë`m~Ôb _r H¥$VkVm ì`ŠV H$ê$Z Ë`m gdmªMo Am^ma _mZVmo!

g§MmbH$ _§S>iZo {e\$mag Ho$boë`m gXaMm 23dm dm{f©H$ Ahdmb, Vmio~§XnÌH$, Z\$m-VmoQ>m nÌH$, Z\$m {d^mJUr, nmoQ>{Z`__Yrb XþéñVr d A§XmO nÌH$mnojm OmXm Pmbobm IMm©Mm àñVmdmg AmnU H¥$n`m _mÝ`Vm Úmdr Aer {dZ§Vr H$aVmo.

Amnë`m gdmªMm {dídmg d ghH$m`m©À`m nmR>~imda ~±Ho$Mm {dH$mg d àJVr gmVË`mZo nwT>o Mmbw amhrb, Aer ½dmhr XoV _r AÜ`jr` ^mfUmMm g_mamon H$arV Amho.

Amnbm,

lr.A^` Jm§Yr AÜ`j


9


nmoQ>{Z`_m§_Yrb XþéñVrMm _gwXm Imbrbà_mUo

nmoQ>{Z`_ H«$. _yi {Z`_ àñVm{dV ~Xb XþéñVrMo H$maU

68 New Insertion Constitution of Board of Management

The Bank shall constitute a Board of Management to facilitate professional management and focused attention to the banking related activities. The Size of BOM, functions of BOM, quali-fication of memebrs of BOM and con-duct of its meetings shall be as per guidelines issued by RBI vide its cir-cular No. DOR (PCB) BPD. CIR No. 8/12.05.002/2019.20 dated 31.12.2019 and guidelines which may be issued from time to time by RBI in this regard

As per RBI Guidelines

68 ZdrZ H$b_ ~moS>© Am°\$ _°ZoO_|Q>Mo JR>U

~±Ho$Mo H$m_H$mO A{YH$ gwairVarË`m MmbUogmR>r

VgoM H$m_H$m_H$mOmV ì`mdgm{`H$Vm `oÊ`mgmR>r

~±Ho$Zo ~moS>© Am°\$ _°ZoO_|Q>Mr ñWmnZm H$amdr.

~moS>© Am°\$ _°ZoO_|Q>_Yrb gXñ`m§Mr g§»`m,

H$m_o, VgoM ~moS>© Am°\$ _°ZoO_|Q>_Yrb gXñ`m§Mr

e¡j{UH$ nmÌVm Am{U g^m B. gd© ~m~r ̀ m [aPìh©

~±H$ Am°\$ B§{S>`m gŠ`w©ba H«$. DOR (PCB) BPD. CIR No. 8/12.05.002/2019.20 dated 31.12.2019 `mà_mUo VgoM [aPìh© ~±H$

Am°\$ B§{S>`m `m§MoH$Sy>Z doimodoir `oUmè`m gyMZm

d _mJ©Xe©H$ VÎdo `mà_mUo amhVrb.

[aPìh© ~±Ho$À`m

_mJ©Xe©H$ VÎdmZwgma


10


STATUTORY AUDITOR’S REPORT FOR THE YEAR ENDED 31st MARCH, 2020

To:The Members,PARSHwANATH CO-OPERATIvE BANk LTD.,Kolhapur

REPORT ON THE FINANCIAL STATEMENTS1. WehaveauditedtheaccompanyingfinancialstatementsoftheParshwanathCo-operative Bank

Ltd., which comprises theBalanceSheet as at 31stMarch,2020 and theProfit&LossAccountfor the year then ended and a summary of significant accounting policies and other explanatoryinformation.

MANAGEMENT’S RESPONSIBILITY FOR THE FINANCIAL STATEMENTS2. Managementisresponsibleforthepreparationofthesefinancialstatementsinaccordancewiththe

BankingRegulationAct,1949,MaharashtraStateCo-operativeSocietiesAct,1960andRulesmadethere-under.This responsibility includes the design, implementation andmaintenance of internalcontrolrelevanttothepreparationofthefinancialstatementsthatarefreefrommaterialmisstatement,whetherduetofraudorerror.

AUDITOR’S RESPONSIBILITY3. Our responsibility is to express anopinionon thesefinancial statementsbasedonour audit.We

conductedourauditinaccordancewiththeStandardsonAuditingissuedbytheInstituteofCharteredAccountantsofIndia.ThoseStandardsrequirethatwecomplywithethicalrequirementsandplanandperformtheaudittoobtainreasonableassuranceaboutwhetherthefinancialstatementsarefreefrommaterialmisstatement.

4. Anauditinvolvesperformingprocedurestoobtainauditevidenceabouttheamountsanddisclosuresinthefinancialstatements.Theproceduresselecteddependontheauditor’sjudgment,includingtheassessmentoftherisksofmaterialmisstatementofthefinancialstatements,whetherduetofraudorerror.Inmakingthoseriskassessments,theauditorconsidersinternalcontrolrelevanttotheBank’spreparationandfairpresentation of thefinancialstatements inorder todesignauditproceduresthatareappropriateinthecircumstances.Anauditalsoincludesevaluatingtheappropriatenessofaccountingpoliciesusedandthereasonablenessoftheaccountingestimatesmadebymanagement,aswellasevaluatingtheoverallpresentationofthefinancialstatement

5. Webelievethattheauditevidencewehaveobtainedissufficientandappropriatetoprovideabasisforourauditopinion.

BASIS FOR QUALIFIED OPINION6. Itisobservedthat: a. TheBankhasprovidedRs.748.53lacstowardsprovisioningofNPAwhichinouropinionasper

RBIguidelinesinrespectofIncomeRecognition,AssetsclassificationandProvisioningandotherrelatedmattersshouldhavebeenRs.787.67

b. PremiumpayabletoDICGCisproperlycalculated. QUALIFIED OPINION7. Subject to our comment in para 6 above, in our opinion and to the best of our information and


11


accordingtotheexplanationsgiventous,exceptfortheeffectsofthematterdescribedinthebasisofqualifiedopinionparagraph,thesaidaccountsreadtogetherwithemphasismentionedaboveandthenotesonaccountsandourcommentsinAuditMemorandumgivetheinformationrequiredbytheBankingRegulationAct,1949andgiveatrueandfairviewinconformitywiththeaccountingprinciplesgenerallyacceptedinIndia.

i) InthecaseoftheBalanceSheet,ofthestateofaffairsoftheBankasat31stMarch,2020. ii) InthecaseoftheProfitandLossAccountoftheprofittotheyearendedonthatdate;and REPORT ON OTHER LEGAL AND REGULATORY MATTERS8. TheBalanceSheetandtheProfitandLossAccounthavenotbeendrawnupinaccordancewiththe

provisionsofSection29oftheBankingRegulationAct,1949andtherulemadethere-under.9. We report that a) Wehaveobtainedalltheinformationandexplanationswhich,tothebestofourknowledgeand

belief,werenecessaryforthepurposesofourauditandhavefoundthemtobesatisfactory. b) TheTransactionsoftheBank,whichhavecometoournotice,havebeenwithinthepowersofthe

Bank. c) ThereturnsreceivedfromtheofficesandbranchesoftheBankhavebeenfoundadequateforthe

purposesofouraudit.10. TheaccountingofleaveencashmentoncashbasisisnotinaccordancewiththeAccountingStandard

15 (AS 15) regarding Retirement Benefits and accounting standard 9(AS-9) regarding RevenueRecognition8issuedbytheinstituteofCharteredAccountantsofIndia(ICAI).

11. We further report that i) TheBalanceSheetandtheProfit&LossAccountdealwithbythereportareinagreementwith

thebooksofaccountandthereturns. ii) Inouropinion,properbooksofaccountasrequiredbylawhavebeenkeptbytheBanksofaras

appearsfromourexaminationofthosebooks. iii) The reportson the accountsof thebranches auditedhavebeen reported separately at branch

levels in the manner considered necessary by us.

For S. V. PHADNIS & Co.PLACE:KOLHAPUR CHARTEREDACCOUNTANTSM.No.10930

AUDIT CLASSIFICATIONIntermsoftheCircularissuedbytheHon’bleCommissionerforCo-operationandRegistrar,Co-opera-tiveSocieties,MaharashtraState,Punedated20/03/2008prescribingcriteriaforallotmentofmarksforthe purpose of determination of composite rating to theBank. Wehave classifiedPARSHWANATH CO-OP. BANK LTD. KOLHAPUR in “A”forthefinancialyearending31.03.2020.Webelievethatourauditprovidesareasonablebasisforouropinion.

PLACE:KOLHAPUR For S. V. PHADNIS & Co.Date : 14August2020 CHARTEREDACCOUNTANTSM.No.10930


12

23 dm dm{f©H$ Ahdmb{X.31.03.2020 AIoaMo Vmio~§X nÌH$

{X.31.03.2019 ê$nò n¡go

^m§S>db d XoUrnmoQ> a¸$_

ê$nò n¡go{X 31.03.2020 ê$nò n¡go

10,00,00,000.00

7,93,06,250.00

1. ^mJ^m§S>dbA{YH¥$V ^m§J^m§S>db 40,00,000 ^mJ àËòH$sê$ 25/ Mo n¡H$s dgwb ^mJ ^m§S>db 31,77,839 ^mJàËòH$s ê$ 25/ Mo darb n¡H$s âUm H$aUmao

10,00,00,000.00

7,94,45,975.00

1. ì`ŠVre: d \$_© g^mgX 7,94,45,975.00

2. ghH$mar g§ñWm 0.00

3. amÁ` gaH$ma 0.00

19,71,30,038.77 2. amIrd d BVa {ZYr 18,96,37,905.40

1. d¡Ym{ZH$ amIrd {ZYr 2,95,29,463.35

2. ~wS>rV d g§e`rV {ZYr 7,48,52,963.74

1. ~wS>rV d g§e`rV {ZYr 5,96,65,487.74

2. J«m_rU H$O© ~wS>rV {ZYr 1,51,87,476.00

3. BVa {ZYr 8,52,55,478.31

1. CËV_ qOXJr VaVwX 44,50,000.00

2. B_maV {ZYr 1,96,42,876.33

3. nwZ©_wë`m§H$Z {ZYr 5,83,20,309.00

4. _hmoËgd {ZYr 1,57,260.70

5. g^mgX H$ë`mU {ZYr 1,09,226.28

6. godH$ H$ë`mU {ZYr 7,91,740.00

7. Jw§VdUwH$ Kgmam {ZYr 17,84,066.00

1,56,76,57,072.46 3. R>odr 1,62,81,70,793.68

1. _wXV~§X d BVa _wXV R>odr 1,22,47,14,728.52

1. ì`ŠVr 1,17,51,10,615.52

2. g§ñWm 4,96,04,113.00

2. goìhtJ R>odr 25,47,48,331.00

1. ì`ŠVr 25,32,69,870.96

2. g§ñWm 14,78,460.04

3. Mmbw R>odr 14,87,07,734.16

1. ì`ŠVr 14,19,81,428.26

2. g§ñWm 67,26,305.90

1,84,40,93,361.23 ~oarO nwT>o Mmbw 1,89,72,54,674.08


13


{X.31.03.2019 ê$nò n¡go

qOXJr d òUr nmoQ> a¸$_

ê$nò n¡go{X. 31.03.2020 ê$nò n¡go

2,46,93,591.00 1. amoI {e„H$ 2,03,83,831.0015,33,88,235.66 2. ~°H$ {e„H$ 12,93,94,403.02

1. ñQ>oQ> ~°H$ d ZmoQ>r\$mB©S> ~°Šg 4,82,65,463.392. Ho$. S>r. gr., Eg.S>r.gr. ~°H$ {b., 8,09,757.523. E_.Eg.gr ~°H$ 2,70,143.794. BVa ~°H$m 8,00,49,038.32

40,92,37,197.40 3. Jw§VdUwH$ 43,81,20,688.401. E_. Eg. gr. ~°H$ {b., eoAg© 1,000.002. Ho$. S>r. gr. gr.~°H$ {b., eoAg© 11,50,050.003. gaH$mar H$O©amoIo 28,84,95,976.401. gaH$mar H$O©amoIo (AmaE\$) 3,02,59,836.00 2. gaH$mar H$O©amoIo 25,82,36,140.40 4. ~°H$ Am°\$ _hmamï´> _wXV R>od 7,88,054.005. EM.S>r.E\$.gr ~°H$.µ _wXV R>od 26,85,608.006. Ho$. S>r. gr. gr.~°H$ {b., _wXV R>od 7,50,00,000.007. E_. Eg.gr. ~°H$ {b., _wXV R>od 1,00,00,000.008. Eg.ìhr.gr. H$mo Am°n. ~°H$ {b., _wXV R>od 6,00,00,000.0

1,08,91,12,618.65 4. H$O} 1,13,63,95,216.101. Aën_wXV H$O} 44,67,72,143.171. gaH$mar d gaH$ma_mÝàmoIo 30,40,526.002. BVa VmaU 44,37,31,617.17

3. d¡`pŠVH$ O~m~Xmar 0.00 1. ì`pŠVe … d \$_©H$So> òUo n¡H$s WH$~mH$s

44,67,72,143.172,13,52,118.22

2. _Ü`_ _wXV H$O} 12,53,95,579.511. gaH$mar d gaH$ma_mÝàmoIo 99,434.00

2. BVa VmaU 12,52,30,444.35

3. d¡`pŠVH$ O~m~Xmar 65,701.16

2. ì`pŠVe … d \$_©H$So> òUo n¡H$s WH$~mH$s

12,53,95,579.513,66,74,240.56

3. {XK© _wXV H$O} 56,42,27,493.421. gaH$mar d gaH$ma_mÝàmoIo 0.00

2. BVa VmaU 56,42,27,493.42

3. d¡`pŠVH$ O~m~Xmar 0.00

3. ì`pŠVe … d \$_©H$So> òUo n¡H$s WH$~mH$s

56,42,27,493.428,24,18,687.20

1,67,64,31,642.71 ~oarO nwT>o Mmbw 1,72,42,94,138.52


14


{X.31.03.2019 ê$nò n¡go

^m§S>db d XoUrnmoQ> a¸$_

ê$nò n¡go{X 31.03.2020 ê$nò n¡go

1,84,40,93,361.23 _mJrb nmZ ~oarO 1,89,72,54,674.080.00 4. KoVbobr H$O} 0.000.00 5. dgwbrMr {~bo 0.00

({dê$ÜX ~mOwg Xe©{dë`mà_mUo) 5,600.00 6. emIm {_idUr 0.00

1,81,37,450.94 7. WH$ì`mO VaVwX 1,88,37,450.94

47,90,058.00 8. XoUo ì`mO 46,33,535.00

97,64,095.58 9. BVa XoUr d VaVwXr 80,77,077.62

1. BVa XoUr 80,77,077.62 1. H°$e {gŠ`w[aQ>r ({n½_r) XoUo 20,500.00

2. {Xdm~ËVr d nmUrnÅ>r XoUo 117,272.00

3. Am°S>rQ> \$s XoUo 5,19,425.00

4. emIm no pñbn XoUo 4,04,158.00

5. Q>rS>rEg XoUo 5,13,074.00

6. gaMmO© XoUo 7,335.00

7. noñbrn XoUo 14,806.00

8. BVa noE~b 1366,787.17

9. Q>obr\$moZ ~rb XoUo 30,800.00

10. {OEgQ>r XoUo 82,920.45

11. AZm_V 50,00,000.00

0.00 10. {Zìdi Z\$m 8,66,816.61Mmbw dfm©Mm {Zìdi Z\$m 72,74,968.14

dOm … _mJrb dfm©Mm VmoQ>m 64,08,151.53

11. H$m°ÝQ>rZOoÝQ> XoUr 1. ~°H$ J°a§Q>r 60,000.00

2. {S>nm°{PQ> EÁ`wHo$eZ AdoAaZog \§$S> 65,79,253.92

66,39,253.92

1,87,67,90,565.75 EHw$U 1,92,96,69,554.25

Vnmgco , Am_À`m VnmgUr AhdmcmVrc eoè`mg nmÌ amhÿZ ~amo~a Amho. H$moëhmnya

_o. Eg. ìhr. \$S>Urg A°ÊS> H§$nZr, MmQ>©S>© AH$m¢Q>§Q>, H$moëhmnyad¡Ym{ZH$ boImn[ajH$


15


{X.31.03.2019 ê$nò n¡go qOXJr d òUr nmoQ> a¸$_

ê$nò n¡go{X. 31.03.2020 ê$nò n¡go

1,67,64,31,642.71 _mJrb nmZ ~oarO 1,72,42,94,138.52

4,43,71,157.65 5. òUo ì`mO 4,32,97,109.851. Jw§VdUwH$sdarb òUoì`mO 75,40,527.352. H$Om©darb òUoì`mO 3,57,56,582.50{nEo H$Om©darb òUoì`mO 1,70,32,350.66EZ{nEo H$Om©darb òUoì`mO 1,87,24,231.84

0.00 6. dgwbrMr {~bo 0.00({dê$ÜX ~mOwg Xe©{dë`mà_mUo)

0.00 7. emIm {_idUr 1,49,500.007,90,54,117.05 8. OmJm d B_maV (PrO dOm OmVm) 7,73,87,063.72

9. \${Z©Ma, {\$ŠMg©, bm`~«ar dmhZ

94,42,620.01 d BVa (PrO dOm OmVm) 75,01,116.811. \${Z©Ma So>S>ñQ>m°H$ 52,78,057.192. Bbo.{\$Q>t½O d {\$ŠMg© 8,51,683.903. dmhZo 73,282.004. H$m°åß`wQ>a 12,65,966.725. bm`~«ar 32,127.00

1,53,13,475.80 10. BVa òUr 3,12,71,224.351. B_maV {S>nm°PrQ> 2,50,00,000.002. Q>obr\$moZ {S>nm°PrQ> 52,772.653. E_.Eg.B©.~r. {S>nm°PrQ> 1,34,230.004. dm°Q>a H$ZoŠeZ {S>nm°PrQ> 4,000.005. {e„H$ ñQ>oeZar d N>nmB© 5,07,431.226. {ànoS> IM© 11,23,928.007. ñdm°n _{eZ IaoXr A°S>ìhmÝg 2,58,780.008. Am`H$a A°S>ìhm°Ýg 37,29,360.009. {O. Eg. Q>r. òUo 1,99,139.1310. {bJb {S>nm°PrQ> òUo 1,58,125.2511. ê$no BEZìhr H$mS©> IaoXr A°S>ìhmÝg 84,869.40

12. Q>r. S>r.Eg. òUo 1,205.70 13. nmoñQ> Am°\$sg R>od òUo 17,383.00

4,57,69,401.00 11. H$O© dgwbrnmoQ>r Vmã`mV KoVbobr _mb_ËVm 4,57,69,401.0064,08,151.53 13. {Zìdi VmoQ>m 0.00

1,87,67,90,565.75 EHw$U 1,92,96,69,554.25

lr. Vwieram_ cQ>H$Z lr. O`qgJ nmQ>rb lr. {dZmoX _ohVm lr. A^` Jm§Yr _w»` H$m`©H$mar A[YH$mar OZab _°ZoOa CnmÜ`j AÜ`j

g§MmbH$ _§S>i … lr. à\$wëc Xmoer lr. {dH«$_ ehm lr. A{Zb ehm lr. {dZmoX Amogdmb lr. XËVmÌ` WmoamdSo>lr. e{eH$m§V {eH}$ lr. nw§S>{cH$ H$m§~io gm¡. CÁdbm nmQ>rb gm¡. nwZ_ ehm

Vk g§MmbH$ … gr. E. lr. g§O` lra§J doëhmi A°S>. gm¡. `moOZm {dO`Hw$_ma ehm


16

23 dm dm{f©H$ Ahdmb{X. 01.04.2019 Vo {X.31.03.2020 AIoaMo Z\$mVmoQ>m nÌH$

{X.31.03.2019 ê$nò n¡go

IM©nmoQ> a¸$_

ê$nò n¡go{X 31.03.2020 ê$nò n¡go

12,78,28,046.67 1. R>od d H$Om©darb ì`mO 13,06,15,232.711. R>odrdarb ì`mO 9,62,83,353.012. hoS> Am°{\$gZo {Xbobo ì`mO 3,36,27,932.703. H$Om©darb ì`mO 7,03,947.00

3,14,84,546.00 2. ZmoH$a nJma, ^ËVo àm°.\§$S> 3,07,41,524.00 1. nJma 2,71,40,644.00

2. ^{dî` {Zdm©h {ZYr 19,65,544.003. J«°À`wB©Q>r BÝewaÝg 45,448.00

4. ~moZg 15,89,888.00 18,282.00 3. g§MmbH$ _§S>i {_Q>tJ IM© 17,612.00

86,00,282.94 4. ^mSo>, H$a, {d_m, {Xdm~ËVr 1,22,85,502.46 1. {OEgQ>r 10,92,514.46

2. B_maV ^mSo> 17,83,850.003. bm°H$a ^mSo> 1,770.004. _hmZJanm{bH$m H$a 3,63,086.005. {d_m 7,28,272.006. {Xdm~ËVr/nmUrnÅ>r 14,69,961.007. R>od {d_m 15,34,549.009. Am`H$a 53,11,500.00

1,51,745.00 5. H$m`Xo g„mJma \$s 2,87,380.005,91,219.57 6. Q>nmb, Vma d Q>obr\$moZ 436,326.06

1. Q>nmb d Vma 83,056.50 2. Q>obr\$moZ 3,53,269.56

5,50,000.00 7. Am°S>rQ> \$s 6,00,000.0034,99,979.23 8. _mb_ËVoMr Xþê$ñVr d PrO 38,34,582.37

1. _moQ>ma {ZJm d Xþê$ñVr 2,93,840.212. Am°\$sg Xþê$ñVr/gOmdQ> 4,86,384.633. PrO d So>S>ñQ>m°H$ amB©Q>mAm°\$ 30,54,357.53

1,28,932.58 9. ñQ>oeZar, N>nmB© d Om{hamV BË`mXr 3,34,593.561. H$m°åß`wQ>a ñQ>oeZar 1,59,760.982. ñQ>oeZar 46,950.043. N>nmmB© 1,27,882.544. Om{hamV 0.00

17,28,53,033.99 ~oarO nwT>o Mmbw 17,91,52,753.16


17


{X.31.03.2019 ê$nò n¡go

CËnÝZnmoQ> a¸$_

ê$nò n¡go{X. 31.03.2020 ê$nò n¡go

18,29,17,372.07 1. ì`mO O_m d H$ga 19,18,16,273.34

1. H$Om©darb ì`mO 12,97,37,583.13

2. hoS> Am°{\$gH$Sw>Z {_imbobo ì`mO 3,36,27,932.70

3. Jw§VdUwH$sdarb ì`mO 97,29,729.06

4. gaH$mar H$O©amoIodarb ì`mO 1,87,21,028.45

9,44,565.03 2. H${_eZ hþ§S>Umdi d Xbmbr 6,38,038.30

42,51,897.58 3. BVa O_m 49,44,211.91

1. ZmoQ>rg \$s 5,192.00

2. BVa O_m 4,94,077.60

3. _oQ>oZÝg 12,55,825.20

4. bmoZ àmogog MmO}g 6,20,701.00

5. \$m°_© {dH«$r 4,375.00

6. bm^m§e 1,15,000.00

7. EoQ>rE_ MmaOog 13,90,605.36

8. {nE_OoOo~rdm` H${_eZ 13,776.00

9. EgE_Eg MmaOog 8,50,818.00

10. dmhZ {dH«$sdarb Z\$m 18,596.00

11. ao\$ab {~OZog BZH$_ 1,66,725.00

12. {~{~nrEg H${_eZ 8,520.75

0.00 4. gaH$mar amo»`mVrb ì`dhmamV {_imbobm Z\$m 27,84,313.00

18,81,13,834.68 ~oarO nwT>o Mmbw 20,01,82,836.55


18


{X.31.03.2019 ê$nò n¡go

IM©nmoQ> a¸$_

ê$nò n¡go{X 31.03.2020 ê$nò n¡go

17,28,53,033.99 _mJrb nmZ ~oarO 17,91,52,753.16

67,75,116.23 10. BVa IM© 69,20,736.251. Am°\$sg IM© 4,45,862.68

2. àdmg IM© 1,25,721.00 3. g^m g_ma§^ IM© 79,297.00

4. d¥ËVnÌo d _m{gHo$ IM© 29,660.00 5. dmfuH$ XoI^mb IM© 28,89,788.00 6. ì`mO [a~oQ> 77,094.00 7. H$O©dgwbr IM© 12,286.00

8. ñQ>m\$ à{ejU IM© 17,164.00 9. pŠbAatJ hmD$g MmO}g 59,112.68

10. {n½_r H$_reZ 20,81,269.0011. Jw_mñVm 500.0012. g^mgX dJ©Ur 98,565.0013. ì`dgm` H$a 2,500.0014. dmfuH$ g^m IM© 1,36,562.0015. gaH$mar H$O©amo»`mdarb H$ÝñëQ>Ýgr MmaOog 3,618.6416. H$ÝñbQ>Ýgr MmaOog 22,000.0017. {ZdS>UwH$ IM© 2,05,542.0018. ñQ>m\$ Só>g IM© 4,794.0019. H°$e h°S>qbJ MmaOog 54,813.0020. EoQ>rE_ MmaOog 5,69,331.2521. H$m_Jma H$ë`mU {ZYr IM© 5,256.00

2,52,158.00 11. VaVwXr 68,34,379.00 1. Jw§VdUwH$ A_¡mÝQ>am`PoeZ VaVwX 2,34,379.00 2. ~wS>rV d g§e`rV {ZYr VaVwX 20,00,000.00

3. ~wS>rV d g§e`rV {ZYr VaVwX (J«m_rU) 35,00,000.004. CËV_ qOXJr VaVwX 4,00,000.00

5. WH$ì`mO VaVwX 7,00,000.00

82,33,526.46 12. {Zìdi Z\$m 72,74,968.14

18,81,13,834.68 EHw$U 20,01,82,836.55

Vnmgco , Am_À`m VnmgUr AhdmcmVrc eoè`mg nmÌ amhÿZ ~amo~a Amho. H$moëhmnya

_o. Eg. ìhr. \$S>Urg A°ÊS> H§$nZr, MmQ>©S>© AH$m¢Q>§Q>, H$moëhmnyad¡Ym{ZH$ boImn[ajH$


19

23 dm dm{f©H$ Ahdmb{X. 01.04.2019 Vo {X. 31.03.2020 AIoaMo Z\$mVmoQ>m nÌH$

{X.31.03.2019 ê$nò n¡go

CËnÝZnmoQ> a¸$_

ê$nò n¡go{X 31.03.2020 ê$nò n¡go

18,81,13,834.68 _mJrb nmZ ~oarO 20,01,82,836.55

18,81,13,834.68 EHw$U 20,01,82,836.55

lr. Vwieram_ cQ>H$Z lr. O`qgJ nmQ>rb lr. {dZmoX _ohVm lr. A^` Jm§Yr _w»` H$m`©H$mar A[YH$mar OZab _°ZoOa CnmÜ`j AÜ`j

g§MmbH$ _§S>ilr. à\$wëc Xmoer lr. {dH«$_ ehm lr. A{Zb ehm lr. {dZmoX Amogdmb lr. XËVmÌ` WmoamdSo>

lr. e{eH$m§V {eH}$ lr. nw§S>{cH$ H$m§~io gm¡. CÁdbm nmQ>rb gm¡. nwZ_ ehm Vk g§MmbH$ … gr. E. lr. g§O` lra§J doëhmi A°S>. gm¡. `moOZm {dO`Hw$_ma ehm


20

23 dm dm{f©H$ AhdmbgZ 2019- 20 gmbmV Pmbobm àË`j IM© d g§MmbH$ _§S>imZo gZ 2020- 21 gmbmH$[aVm gwM{dbobo IMm©Mo A§XmOnÌH$

ImË`mMo ZmdgZ 2019- 2020

gmbmH$[aVm _§Oya ~OoQ>gZ 2019- 2020 _{Yb

àË`j Pmbobm IM©gZ 2019- 2020 _{Yb

OmXm Pmbobm IM©gZ 2020- 2021

H$[aVm gwMdbobo ~OoQ>R>odrdarb ì`mO 9,75,00,000.00 9,62,83,353.01 0.00 11,00,00,000.00H$Om©darb ì`mO 5,00,000.00 7,03,947.00 2,03,947.00 5,00,000.00ZmoH$a nJma/^ËVo B. 3,25,00,000.00 3,07,41,524.00 0.00 3,25,00,000.00{_Q>tJ IM© 25,000.00 17,612.00 0.00 50,000.00OrEgQ>r 12,00,000.00 10,92,514.46 0.00 15,00,000.00Am°{\$g ^mSo> 25,00,000.00 17,83,850.00 0.00 17,00,000.00å`w{Zgrnb Q>°Šg 3,50,000.00 3,63,086.00 13,086.00 5,00,000.00{d_m 24,00,000.00 22,62,821.00 0.00 32,00,000.00{Xdm~ËVr/nmUrnÅ>r 15,00,000.00 14,69,961.00 0.00 15,00,000.00bm°H$a ^mSo> 5,000.00 1,770.00 0.00 5,000.00Am`H$a 20,00,000.00 53,11,500.00 3,31,1500.00 65,00,000.00H$m`Xm g„m \$s 1,75,000.00 2,87,380.00 1,12,380.00 5,00,000.00nmoñQ>oO/Q>obr\$moZ 7,00,000.00 4,36,326.06 0.00 7,00,000.00Am°S>rQ> \$s 6,00,000.00 6,00,000.00 0.00 7,00,000.00{S>Pob noQ´>mob d dmhZ Xþê$ñVr IM© 3,25,000.00 2,93,840.21 0.00 3,00,000.00

Am°{\$g Xþê$ñVr/gOmdQ> 7,00,000.00 4,86,384.63 0.00 5,00,000.00Kgmam ImVo 32,00,000.00 30,54,357.53 0.00 30,00,000.00{àqQ>J d ñQ>oeZar 2,00,000.00 3,34,593.56 1,34,593.56 6,00,000.00Om{hamV IM© 25,000.00 0.00 0.00 25,000.00Am°\$sg IM© 6,00,000.00 4,45,862.68 0.00 6,00,000.00àdmg IM© 1,00,000.00 1,25,721.00 25,721.00 2,00,000.00g^mg_ma§^ IM© 1,00,000.00 79,297.00 0.00 1,00,000.00dV©_mZ nÌ/_m{gHo$ 35,000.00 29,660.00 0.00 45,000.00H$m°åß`wQ>a _oQ>|ZÝg MmaOog 30,00,000.00 28,89,788.00 0.00 30,00,000.00ì`mO [a~oQ> 5,00,000.00 77,094.00 0.00 7,00,000.00H$O© dgwbr IM© 1,00,000.00 12,286.00 0.00 1,00,000.00ñQ>m\$ à{ejU IM© 50,000.00 17,164.00 0.00 50,000.00pŠbA[a¨J hmD$g MmO}g 1,00,000.00 59,112.68 0.00 1,00,000.00{n½_r H${_eZ 20,00,000.00 20,81,269.00 81,269.00 20,00,000.00Jw_mñVm IM© 5,000.00 500.00 0.00 5,000.00~°H$ g^mgX dJ©Ur 1,00,000.00 98,565.00 0.00 1,00,000.00ì`dgm` H$a 2,500.00 2,500.00 0.00 2,500.00OZaoQ>a IM© 25,000.00 0.00 0.00 25,000.00dm{f©H$ g^m IM© 2,00,000.00 1,36,562.00 0.00 2,00,000.00Jìh.{gŠ`w.H$Ýg.MmO}g 50,000.00 3,618.64 0.00 1,00,000.00H$_©Mmar S´o>g IM© 2,00,000.00 4,794.00 0.00 1,00,000.00godH$ H$ë`mU {ZYr IM© 10,000.00 5,256.00 0.00 10,000.00H°$e h°S>btJ MmaOog 75,000.00 54,813.00 0.00 75,000.00EoQ>rE_ MmaOog 6,00,000.00 5,69,331.25 0.00 6,30,000.00H$ÝgbQ>Ýgr MmO}g 27,500.00 22,000.00 0.00 27,500.00gaH$mar amo»`mdarb VmoQ>m 50,000.00 0.00 0.00 50,000.00{ZdS>UwH$ IM© 0.00 2,05,542.00 2,05,542.00 15,00,000.00EHw$U 15,43,35,000.00 15,24,45,556.71 40,88,038.56 17,40,00,000.00


21


H$m`m©b`rZ H$m_H$mO …

gZ 2019- 20 gmbmV {_imbobo àË`j CËnÝZ d g§MmbH$ _§S>imZo gZ 2020- 21 gmbmH$[aVm gwM{dbobo CËnÝZmMo A§XmOnÌH$

ImË`mMo ZmdgZ 2019- 2020

gmbmH$[aVm _§Oya CËnÝZgZ 2019 -2020 _{Yb àË`j {_imbobo CËnÝZ

gZ 2020-2021 H$[aVm gwMdbobo CËnÝZ

H$Om©darb ì`mO 14,00,00,000.00 12,97,37,583.13 14,50,00,000.00

Jw§VdUwH$sdarb ì`mO 3,00,00,000.00 2,84,50,757.51 3,80,00,000.00

BVa CËnÝZ 60,00,000.00 55,82,250.21 80,00,000.00

amoIo IaoXr {dH«$r Z\$m 30,00,000.00 27,84,313.00 80,00,000.00

EHw$U 17,90,00,000.00 16,65,54,903.85 19,90,00,000.00

A.Z§. A{YH$ma§Mo Z§md hw²Ôm emIm _mo~mB©c Z§~a

1 lr. Vwberam_ bQ>H$Z _w»` H$m`©H$mar A{YH$mar hoS> Am°{\$g 9822849574

2 lr. O`qgJ nmQ>rb OZab _°ZoOa hoS> Am°{\$g 9822751920

3. lr. g§{Xn ehm So>ß`wQ>r OZab _°ZoOa hoS> Am°{\$g 9881373237

4. lr. ~id§V hþOao _°ZoOa (A°S>{_Z) hoS> Am°{\$g 9822751936

5. lr. a§Jamd Jwad AH$m¡ÝQ> _°ZoOa BZMmO© hoS> Am°{\$g 9922417641

6. lr. e{eH$m§V nS>di Am`.Q>r._°ZoOa BZMmO© hoS> Am°{\$g 8805004634

7. lr. O`amO aOnwV [aH$ìhar _°ZoOa BZMmO© hoS> Am°{\$g 9822751931

8. lr. gw{Zb ehm Ho$dm`gr Am°\$sga hoS> Am°{\$g 9822751926

9. lr. {dZm`H$ R>H$ma emIm _°ZoOa emIm emhþnwar 9822751925

10. lr. A_a {Zê$Io emIm _°ZoOa emIm _hmìXma amoS> 9623959696

11. lr. JUnV nmQ>rb emIm _°ZoOa emIm amOmam_nwar 9822751930

12. lr. XmXmgmho~ nmQ>rb emIm _°ZoOa emIm noR> dS>Jm§d 9822751928

13 lr. gw{Zb nmQ>rb emIm _°ZoOa emIm _§Jidma noR> 9822751932

14. lr. amO|Ð nmQ>rb emIm _°ZoOa emIm ZmJmim nmH©$ 9822751923

15. lr. am_M§Ð nmQ>rb emIm _°ZoOa emIm JJZ~mdS>m 9604007818

16. lr. {MamJ am_r emIm _°ZoOa emIm H$amS> 9822751935

17. lr. {dZ` qeXo emIm _°ZoOa emIm JS>qh½bO 9822571677

18. lr. _pÀN>§ÐZmW S>moB©\$moSo> emIm _°ZoOa emIm H$UH$dbr 9922410448

19. lr. g{MZ H$moR>mdio emIm _°ZoOa emIm dmer, Zdr _w§~B© 9922417147

emIm H$m_H$mO … gH$mir 10 Vo g§Ü`mH$mir 5 n`©VE.Q>r.E_. gw{dYm … 24 Vmg (emIm emhþnwar, ZmJmim nmH©$, noR> dS>Jm§d d dmer Zdr _w§~B©)R>od ì`mOXa … 25 _{hZo Vo nwT>o 7% … ghH$mar g§ñWm, Y_m©Xm` g§ñWm (a{O.), Á`oð> ZmJ[aH$m§Zm, {dYdm _{hbm, An§J ì`ŠVr d _mOr g¡{ZH$ `m ImVoXmam§Zm 0.50% OmXm ì`mO


22

23 dm dm{f©H$ AhdmbANNEXURE - A

NAME OF THE BANK : PARSHWANATH CO-OP. BANK LTD. KOLHAPUR HEAD OFFICE : 669,E-WARD, SHAHUPURI 3RD LANE, KOLHAPUR DATE OF REGISTRATION : DATE 02-02-1998 KPR / KVR / BNK (0)122 DATE & RBI LICENCE NUMBER : UBD MAH 1726 P DATED 30-06-1999 JURISDICTION : KOLHAPUR, SANGLI, SATARA, RATNAGIRI

SINDHUDURG, PUNE & THANE DISTRICTS(Figures in lacs except Column No.1,2,9,10,12,13 &14 )

ITEM As on 31st March, 2020

1. No. of Branches including H. O. 122. Membership …. Regular 9908 …. Nominal 6463. Paid up Share Capital 794.464. Total Reserves & Funds 1896.385. Deposits …. Savings 2547.48 …. Current 1487.08 …. Fixed 12247.15 6. Advances …. Secured 11363.29 …. Unsecured 0.66 …. Total % of Priority Sector 56.09% …. Total % of Weaker Sector 17.70% 7. Borrowings …. K.D.C.C. Bank ----- …. M.S.C. Bank ----- …. Others -----8. Investments …. DCC, MSC & Other Bank 1496.25 …. Government Securities 2884.96 9. Overdue percentage 12.36%’ 10. Audit Classification “A”11. Profit 72.75 12. Staff (Officers) 27 13. Sub-Staff 72 14. Total Staff 99 15. Working Capital 18525.13


23


NOTES FORMING PART OF THE PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH, 2020 AND BALANCE SHEET AS ON THAT DATEI. 1) OVERVIEW: The Parshwanath Cooperative bank Ltd was incorporated in 1998 and has

successfully completed 22years of providing bank and financial services to people of seven districts

2) BASIS OF PREPARATION: The financial statements have been prepared and presented under the historical

cost convention on the accrual basis of accounting, unless otherwise stated, and comply with the generally accepted principles, statutory requirements prescribed under the Banking Regulation Act,1949 and the state Cooperative Societies Act,1960, circulars and guidelines issued by the Reserve Bank of India (RBI) from time to time, The Accounting Standards (AS) issued by the Institute of Chartered Accountants of India (ICAI) and current practices prevailing within the Banking Industry of India.

3) USE OF ESTIMATES: The preparation of the financial statements, in conformity with the generally

accepted accounting principles requires management to make estimates and assumptions that effect 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 revisions to the accounting estimates are recognized prospectively.

II. SIGNIFICANT ACCOUNTING POLICIES: 1) Accounting Convention: The financial statements are drawn up keeping in mind the historical cost and

going concern concept and in accordance with the generally accepted accounting principles and practices prevailing in the Cooperative Banks in India except otherwise stated.


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2) Revenue Recognition: Income and Expenditure are accounted on accrual basis except as stated

below: i) Interest on Advances classifies as Sub-Standard, Doubtful or Loss Assets is

recognized on realization. The unrealized Interest in these cases is accounted in Overdue Interest reserve. Except Remarks made in Part A and B.

ii) Interest on Fixed Income Securities is recognized on accrual basis in case it is serviced regularly.

iii) Leave Encashment and Annual Maintenance Contract Fes are accounted on cash basis.

3) Advances: i) Advances are classified into Standard, Sub-Standard, doubtful and Loss

Assets are not in accordance with the guidelines issued by the Reserve bank of India from time to time.

ii) Provision on Advances categorized under Sub-standard, Doubtful and Loss Assets is made in accordance with the guidelines issued by the Reserve bank of India except remarks made in Part A. In addition a general provision on Standard Assets is made as per RBI guidelines.

iii) The Overdue Interest in respect of advances classifies as Non-Performing Assets is provided separately under “ Overdue Interest Reserve Account“ as per the directives issued by the RBI. Except Remarks made in Part A and B.

4) Investments: i) The entire Investment portfolio of the bank ( including SLR and Non SLR

Investments) have been classified into: a) Held to Maturity. b) Available for Sale. c) Held for Trading. In terms of guidelines of RBI. ii) Investments earmarked against Statutory Reserve Fund and Other Funds

and Investments under HTM category are treated as Permanent Investments and carried at


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cost. Other Investments are treated as Current Investments as required by AS 13 of Institute of Chartered Accountants of India.

iii) Investments Classified under held to maturity have been carried at acquisition cost. Non-performing securities are fully provided for. In the case of securities under Held to maturity category wherein the acquisition cost is more than the face value, the premium amount is amortized over the remaining period of maturity.

iv) Securities under Available for sale/ Held for trading category are marked to market.Securities are valued scrip wise and aggregated category wise. Depreciation/appreciation under each category are netted and the net depreciation is provided for. Net appreciation is ignored.

v) Market Value in the case of State Govt. and other Securities, for which quotes are not available is determined on the basis of the “ Yield to maturity “indicated by Primary Dealers Association of India ( PDAI) jointly with Fixed Income and Money market Derivatives Association of India ( FIMMDA).

vi) Cost of Brokerage, fees, Commission and broken period interest at the time of acquisition of securities are recognized as revenue expenses.

5) Fixed Assets and depreciation: i) All the Fixed assets are stated at their historical cost inclusive of incidental

expenses incurred on acquisition. ii) Depreciation is provided on written down value on all the fixed assets except

computers. Depreciation on Computers is calculated under the straight Line Method.

iii) Fixed assets are depreciated at the rates as per the provisions of the Income tax act,1961 Except depreciation on Computers which is charges @ 33 1/3 ,which is as under:

Furniture & Fixtures 10%

Vehicles 15%

Computers 33 1/3%

Plant and Machinery 15% iv) Depreciation on Fixed Assets purchased during the year is charged for the

part of the year, if the asset is purchased and retained for 180 days or more.


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Staff Retirement Benefits: i) Provision for gratuity is made on Actuarial basis. ii) Bank’s contribution to Provident Fund is accounted for on the basis of

contribution to the scheme. 6) Provisions, Contingent Liabilities and Contingent Assets : A provisions is recognized when the Bank has a present obligations as a result

of past event where it is probable that an outflow of resources will be required to settle the obligations, in respect of which a reliable estimate can be made. Provisions are not discounted to its prevent value and are determined based on best estimate required to settle the obligations at the balance sheet date. These are reviewed at each balance sheet date and adjusted to reflect the current best estimates.

A disclosure of contingent liability is made when there is : i) A possible obligation arising from a past event , the existence of which will

be confirmed by occurrence or non occurrence of one or more uncertain future events not within the control of the Bank ; or

ii) A present obligation arising from a past event which is not recognized as it is not probable that an outflow of resources will be required to settle the obligation or a reliable estimate of the amount of the obligation cannot be made .

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 .

Contingent assets are not recognized in the financial statements. However, contingent assets are assessed continually .

7) Taxation: a) Tax expense comprises both deferred and current taxes. Deferred income

taxes reflect the impact of current year timing difference between taxable income and accounting income for the year and reversal of timing difference of earlier years .

b) Deferred tax assets are recognized only to the extent that there is reasonable certainly that sufficient future taxable income will be available against which


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such deferred tax assets can be realized .III. Notes on Accounts: 1. ) AS-15-Retirement Benefits The accounting of Retirement benefits on cash basis is not in accordance

with the Accounting Standard 15 (AS-15) regarding Retirement Benefits and Accounting Standard 9 n(as-9) regarding Revenue Recognition (AS 9) issued by the Institute of Chartered Accountants of India (ICAI).

2) AS-21 – Consolidated Financial Statements Since Bank does not have any Subsidiary Companies /Co-Operative Societies

, the Accounting Standard 21 (AS-21) regarding consolidated financial statements is not applicable to the Bank .

3) AS-29-Contingent Liabilities: a) Bank Guarantees: ( Rs.lacs)

31.03.2019 Particulars 31.03.2020

2.38 Bank Guarantees 0.60

b) Contingent Liability –Others: In terms of DBOD Circular No.DEAF Cell.BC.114/30.01.002/2013-14 dated 27th

May, 2014, the bank has transferred all credit balances amounting (mentioned in sub-clause i) to vii) in Clause 3 of DEAF Scheme 2014) maintained with the bank which have not been in operation for 10 years or more.

The required disclosure as per the said circular is as under:(Rs. In lacs)

Particulars 31.03.2019 31.03.2020

Opening amount of amounts transferred to DEAF 64.34 65.94

Add: Amounts transferred to DEAF during the year 2.48 0.14

Less: Amounts reimbursed by DEAF towards claims 0.88 0.29

Closing Balance of amounts transferred to DEAF 65.94 65.79

4) Previous year’s figures have been regrouped/re-arranged wherever necessary to conform the layout of the accounts of the current year.


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Disclosures as per RBI Guidelines (Rs. In Lacs)

Sr. No. Particulars As on

31.03.2019As on

31.03.2020

1 Capital to Risk Assets Ratio 14.98% 15.16%

2 Movement in CRAR

A Tier I Capital 1219.73 1305.43

B Tier II Capital 318.88 306.94

C Total Capital Funds (A+B) 1538.61 1612.37

D Risk Weighted Assets 10272.14 10638.09

E Tier I Capital to Risk Weighted Assets 11.88% 12.27%

F Tier II Capital to Risk Weighted Assets 3.10% 2.89%

G Total Capital Funds to Risk Weighted Assets 14.98% 15.16%

3 Investments 4092.37 4381.21

A SLR Investments in Govt. Securities

Total Book Value 3348.38 2884.96

Total Face Value 3343.28 2893.28

Total Market Value 3157.44 2878.69

B Fixed Deposits with other Bank

1] KDCC Bank 700.00 750.00

2] MSC Bank 0.00 100.00

3] Others 32.48 634.74

C A] Non SLR Investment

1] PSUs …. ….


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23 dm dm{f©H$ Ahdmb(Rs. In Lacs)

Sr. No.

ParticularsAs on

31.03.2019As on

31.03.2020

2] Shares of Co-op. Institutions 11.51 11.51

3] Public Sector Banks …. ….

4] Mutual Funds …. ….

5] Others …. ….

6] Provision Held towards Depreciation …. ….

B] Non performing Non SLR Investment

Opening Balance 0.00 0.00

Additions during the year since 1st April …. ….

Reduction during the above period …. ….

Closing Balance 0.00 0.00

Provision Held towards Depreciation …. ….

4 Advances against Real Estate, Construction Business, Housing

1692.38 1543.34

5 Advances against Shares & Debentures Nil Nil

6 Advances to Directors and Their Relatives 23.59 7.36

A Fund Based 23.59 7.36

B Non Fund Based (Bank Guarantees, L/C etc) …. ….

7 Average cost of Deposits 6.31% 6.47%

8 NPAs

A Gross NPAs 1600.00 1751.14

% to Total Advances 14.69% 15.41%


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Sr. No.

ParticularsAs on

31.03.2019As on

31.03.2020

B Net NPAs 783.48 1002.61

% to Net Advances 7.78% 9.44%

9 Movement in NPAs


Add : Additions during the year 91.65 453.11

Less : Recovery during the year 446.22 301.97


10 Profitability Ratios

A Interest Income as a % of Working Funds 8.31% 8.54%

B Non Interest Income as a % of Working Funds 0.29% 0.45%

C Operating Profit as a % of Working Funds 0.47% 0.76%

D Return on Assets 0.46% 0.39%

E Business (Deposits + Advances) per Employee 260.47 279.25

F Profit Per Employee 0.81 0.73

11 Provisions made towards NPAs, Depreciation in Investments

A Towards NPAs 699.64 596.65

B Towards Investment Depreciation Reserve 17.84 17.84

C Towards Standard Advances 40.50 44.50

D Towards Investment Fluctuation Reserve 0.00 0.00

E Towards Rural Advances 116.87 151.87

F Towards Interest Overdue Reserve 181.37 188.37


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Sr. No.

ParticularsAs on

31.03.2019As on

31.03.2020

12 Movement in Provisions

A Towards NPAs


Add : During the year 0.00 20.00

Less : During the year 20.47 122.99


B Towards Investment Depreciation Reserve





C Towards Standard Advances




D Towards Investment Fluctuation Reserve






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Chief Executive Officer

E Towards Rural Advances




F Towards Interest Overdue Reserve





13 Foreign Currency Assets & Liabilities (if Applicable) Nil Nil

14 Payment of of DICGC Insurance Premium 15.57 15.35

April-2019 to Sept-2019 8.01 7.91

Oct-2019 to March-2020 7.56 7.44

15 Penalty imposed by RBI Nil Nil

16 Restructured Accounts Nil Nil

17 Fixed Assets - Valuation Revaluation

Book Value of Land and Building (After Depreciation)

195.43 190.67

Revaluation Reserve 595.11 583.20

Total Amount of Land & Building Shown in the Balance Sheet

790.54 773.87

Sr. No.

ParticularsAs on

31.03.2019As on

31.03.2020

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