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1 AGM 18-19

Financial Position

                                                                                 Progress at a Glance

                                                                                                                                                    ( Rs. In Lakh)

Sr. No.

Particulars

Previous Year

Current Year

1

Balance Sheet

31.03.2019

31.03.2020

2

Share Capital

1151.20

1296.25

3

Reserves and surplus

3023.57

3300.25

4

Deposits

50819.36

53723.18

5

Borrowings

0

70.51

6

Other liabilities and provisions

1393.37

1730.98

7

 Total of Liabilities

56387.50

60121.17

8

Cash in Bank balances

955.52

1271.59

9

Balance with Banks in fixed deposits

9036.63

9441.19

10

Investments

24033.83

25363.99

11

Advances

21203.96

22676.15

12

Fixed Assets

283.43

278.23

13

Other Assets

874.13

1090.02

14

Total assets

56387.50

60121.17

15

Profit and loss

 

 

16

Interest Income

4184.90

4671.49

17

Other Income

201.86

243.52

18

Total Income

4386.76

4915.01

19

Interest Expended

2650.71

2860.44

20

Operating Expanded

1104.63

2124.43

21

Total expenditure

3755.34

4084.87

22

Profit/Loss

 

 

23

Net profit before Tax and provisions

631.42

830.14

24

Net profit after Tax and provisions

371.32

400.54

25

Other Key Ratios

 

 

26

C:D Ratio

41.72%

42.21%

27

Recovery Percentage

 

 

28

Gross NPA

160.00

376.17

29

Net NPA

Nill

Nill

30

Gross NPA as percentage of loans & advances

0.75

1.66

31

Net NPA as percentage of loans & advances

Nill

Nill

32

Capital Adequacy ratio (CRAR)

17.09

20.38

33

Cost of management as percentage of Working capital

1.41%

1.46%

34

Operating profit to average working fund

1.21%

1.43%

35

Return on Assets(ROA)

1.20%

1.48%

36

Net Interest Margin(NIM)

 2.95%

 3.27%