ÃkËkrÄfkhe©eyku.€¦ · november 2020 at 4.00 p.m ist to transact the following business. 1....

çkUfLke yku¤¾Mk{k Lkðk økkihð r[Ln (÷kuøkku)Lkwt yLkkðhý fhíkkt Mk{khkunLkk «{w¾ ÃkËT{ ©e zkp. fw{khÃkk¤ ËuMkkR, {wÏÞ {nu{kLk WãkuøkÃkrík {kLk. ©e MkwÄeh¼kR {nuíkk (xkuhuLx økúwÃk), yríkrÚk rðþu»k LkkVfçk LÞw rËÕneLkk «uMkezuLx {kLk. ©e ßÞkuríkLÿ¼kR yu{. {nuíkk, Ãkqðo MkktMkË {kLk. ©e MkwhuLÿ¼kR Ãkxu÷, økwshkík Mxux fku-ykuÃk. çkUfLkk [uh{uLk {kLk. ©e ysÞ¼kR Ãkxu÷, çkUfLkk [uh{uLk ©e LkðLkeík¼kR Mke. Ãkxu÷, [uh{uLk yu{urhxMk ©e ytçkw¼kR yu{. Ãkxu÷ íkÚkk çkUfLkk ÃkËkrÄfkhe©eyku.

Mk{khkun{kt yríkrÚk rðþu»k íkhefu WÃkÂMÚkík hnu÷k LkkVfçk, LÞw rËÕneLkk «urMkzuLx {kLk. ©e ßÞkuríkLÿ¼kR yu{. {nuíkk «ð[Lk ykÃke hÌkk Au.

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Mk{khkunLkk «{w¾ ÃkËT{ ©e zkp. fw{khÃkk¤ ËuMkkR «uhýkËkÞe WËTçkkuÄLk fhe hÌkk Au. zkÞMk Ãkh çkuMku÷k{kt ©e ßÞkuríkLÿ¼kR yu{. {nuíkk, Ãkqðo MkktMkË {kLk. ©e MkwhuLÿ¼kR yu{. Ãkxu÷, ðknLk ÔÞðnkh rð¼køkLkk hkßÞ fûkkLkk Ãkqðo {tºke ©e ðÕ÷¼¼kR S. fkfzeÞk, [uh{uLk ©e LkðLkeík¼kR Mke. Ãkxu÷, [uh{uLk yu{urhxMk ©e ytçkw¼kR yu{. Ãkxu÷, {uLkuStøk rzhuõxh ©e ÃkhMke yuV. ¼Y[k, ðkRMk [uh{uLk ©e {eLkuþ¼kR su. Ãkxu÷, rzhuõxh ©e zkp. rËLkuþ¼kR yu{. y{eLk, sLkh÷ {uLkush yLku MkeRyku ©e rðLkkuË S. ËkË÷kýe.

Mkku÷k ¼køkðík rðãkÃkeXLkk fuBÃkMk{kt ð]ûkkhkuÃký fhíkkt çkutfLkk Ãkh{ þw¼uåAf, {whççke©e, Ãkqðo MkktMkË ©e MkwhuLÿ¼kR yu{. Ãkxu÷. çkUfLkk [uh{uLk ©e LkðLkeík¼kR Mke. Ãkxu÷, [uh{uLk yu{urhxMk ©e ytçkw¼kR yu{. Ãkxu÷, Mkku÷k ¼køkðík rðãkÃkeXLkk ©e ¼køkðík «MkkË f]»ýþtfh þk†eS, ðkRMk [uh{uLk ©e {eLkuþ¼kR su. Ãkxu÷, rzhuõxh ©e zkp. rËLkuþ¼kR yu{. y{eLk, rzhuõxh ©e fkirþf¼kR yuLk. Ãkxu÷ (Mke.yu.), rzhuõxh ©e nMk{w¾¼kR S. Ãkxu÷, rzhuõxh ©e çkeÃkeLk[tÿ ykh. þkn, rzhuõxh ©e rfhex¼kR ykh. Ãkxu÷, rzhuõxh ©e{íke {kÄðeçkuLk xe. Ãkxu÷, çkkuzfËuð þk¾k rðfkMk Mkr{ríkLkk MkÇÞ ©e{íke ©uÞkçkuLk yuLk. Ãkhe¾ íkÚkk ¼køkðík rðãkÃkeXLkk {w. ©e rËLkuþ¼kR {nuíkk nksh hÌkk. (íkk.5-12-2019)

Mkwðýo sÞtíke ð»ko «ðuþkuíMkð (íkk. 05-12-2019)

BANKERS :

Reserve Bank of India

State Bank of India

The Gujarat State Co-op Bank Ltd.

The Ahmedabad Dist Co-op Bank Ltd.

Bank of Baroda

Central Bank of India

Union Bank of India

I.C.I.C.I Bank Ltd.

Federal Bank

H.D.F.C Bank Ltd.

The Karur Vysya Bank Ltd.

Yes Bank Ltd.

Est. on : 5-12-1970

Scheduled Banks’ status : 01-09-1988

Banking Lic. No. ACD-GJ-161 P Dt. 27-10-1979(Under B.R. Act, 1949 Reserve Bank of India)

Reg. No. MSCS/CR/54/95 Dt. 8-9-1995(Under M.S.C.S Act, 1984)

PAN : AAAAT9360R

TAN : AHMK00480E

GSTIN No. : 24AAAAT9360R1ZT (Gujarat)

GSTIN No. : 27AAAAT9360R1ZN (Maharashtra)

Head Office : ‘KALUPUR BANK BHAVAN’,

Ashram Road, Ahmedabad-380 014.

Phone : 27582020 to 27582026

Fax : 079-27544450, 27582033

E-mail : [email protected]

Website : www.kalupurbank.com

Toll Free No. : 1800 233 99999

BANKERS FOR

FOREIGN EXCHANGE BUSINESS

HABIB American Bank, N.Y., USA

Commerz Bank AG, Frankfurt.

STATUTORY AUDITORS :

LEGAL ADVISORS :

• R. S. PATEL & CO.

CHARTERED ACCOUNTANTS

• RAMANLAL M. SHAH & CO. (Civil)

• Mr. AJITSINH K. JADEJA, ADVOCATE(Criminal)

• NANAVATI & ASSOCIATES, Mr. KUNAL K. NANAVATI

• Mr. UCHIT N. SHETH (Vate)

th50 Annual Report

2019-2020

Shri Navnitbhai Chimanlal Patel

Chairman

Shri Mineshbhai Jashbhai Patel

Vice Chairman

Shri Ambubhai Maganbhai Patel

Chairman Emeritus

Shri Percy Faramroj Bharucha

Managing Director

©e LkðLkeík¼kR [e{Lk÷k÷ Ãkxu÷[uh{uLk

©e {eLkuþ¼kR sþ¼kR Ãkxu÷ðkRMk [uh{uLk

©e ytçkw¼kR {økLk¼kR Ãkxu÷[uh{uLk-yu{urhxMk

©e ÃkhMke yuV. ¼Y[k{uLkuStøk rzhuõxh

Shri Dr. Dineshbhai Manibhai Amin

Shri Bipinchandra Ratilal Shah

Shri Hasmukhbhai Gopaldas Patel

Shri Kaushikbhai Nandubhai Patel (CA)

Shri Ambarbhai Jayantilal Patel

Shri Kiritbhai Rambhai Patel

Shri Nipambhai Rameshchandra Shah (CA)

Shri Shaileshbhai Valjibhai Sonara

Smt. Madhviben Tusharbhai Patel

Smt. Mittalben Babulal Patel

Vinod G. DadlaniGeneral Manager & CEO

Mahendrabhai R. PatelExecutive Secretary to Board

Apurva J. PatelDy. General Manager

Chetan A. PatelDy. General Manager

Sirajuddin G. SiddiquiHead of Department- I.T.

Dhimant Roy TurkhiaSenior Executive

Pareshbhai J. DaveAsst. General Manager

Vinayak J. PatelAsst. General Manager

Pankajbhai R. ParikhAsst. General Manager

Tejendra L. PatelAsst. General Manager

Rakeshbhai B. PatelAsst. General Manager

Pratik A. DesaiAsst. General Manager

Kiran P. PandyaAsst. General Manager

Samir B. PandyaAsst. General Manager (CISO)

Bharat K. PatelAsst. General Manager

Nandkishore U. GoswamiSenior Executive

Kamlesh V. DaveSenior Executive

©e zkp. rËLkuþ¼kR {ýe¼kR y{eLk

©e çkeÃkeLk[tÿ híke÷k÷ þkn

©e nMk{w¾¼kR økkuÃkk÷ËkMk Ãkxu÷

©e fkiþef¼kR LktËw¼kR Ãkxu÷ (Mkeyu)

©e ytçkh¼kR sÞtíke÷k÷ Ãkxu÷

©e rfhex¼kE hk{¼kE Ãkxu÷

©e rLkÃk{¼kE h{uþ[tÿ þkn (Mkeyu)

©e þi÷u»k¼kR ðk÷S¼kR MkkuLkkhk

©e{íke {kÄðeçkuLk íkw»kkh¼kE Ãkxu÷

©e{íke r{¥k÷çkuLk çkkçkw÷k÷ Ãkxu÷

rðLkkuË S. ËkË÷kýesLkh÷ {uLkush yLku MkeRyku

{nuLÿ¼kR ykh. Ãkxu÷yuõÍeõÞwxeð Mku¢uxhe xw çkkuzo

yÃkqðo su. Ãkxu÷zuÃÞwxe sLkh÷ {uLkush

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rMkhkswÆeLk S. rMkÆfenuz ykuV rzÃkkxo{uLx - ykE.xe.

Äe{tík hkuÞ íkwh¾eÞkMkeLkeÞh yuõÍeõÞwxeð

Ãkhuþ¼kE su. ËðuykMke. sLkh÷ {uLkush

rðLkkÞf su. Ãkxu÷ykMke. sLkh÷ {uLkush

Ãktfs¼kE ykh. Ãkhe¾ykMke. sLkh÷ {uLkush

íkusuLÿ yu÷. Ãkxu÷ykMke. sLkh÷ {uLkush

hkfuþ¼kE çke. Ãkxu÷ykMke. sLkh÷ {uLkush

«ríkf yu. ËuMkkEykMke. sLkh÷ {uLkush

rfhý Ãke. ÃktzâkykMke. sLkh÷ {uLkush

Mk{eh çke. ÃktzâkykMke. sLkh÷ {uLkush (CISO)

¼hík fu. Ãkxu÷ykMke. sLkh÷ {uLkush

LktËrfþkuh Þw. økkuMðk{eMkeLkeÞh yuõÍeõÞwxeð

f{÷uþ ðe. ËðuMkeLkeÞh yuõÍeõÞwxeð

çkkuzo ykuV rzhuõxMko Board of Directors

rzhuõxMko Directors

ðrhc yrÄfkhe øký Executives

02

th50 Annual Report 2019-20

LkkuxeMkykÚke çkUfLkk Mkðuo Mk¼kMkËkuLku sýkððkLkwt fu, nk÷Lke fkurðz-19 {nk{kheLke ÃkrhÂMÚkrík{kt yLku ðkŠ»kf MkkÄkhý Mk¼k ÞkusðkLke ykð~ÞfíkkLku æÞkLk{kt hk¾eLku íkÚkk MkuLxÙ÷ hSMxÙkh fku-ykuÃk. MkkuMkkÞxeÍ, Lkðe rËÕneLkk ÃkrhÃkºk yLku yLÞ ÷køkw fkÞËkLkk yLkwÃkk÷Lk MðYÃk çkUfLke 50{e ðkŠ»kf MkkÄkhý Mk¼k, íkk.2-11-2020 Lku Mkku{ðkh Lkk hkus ¼khíkeÞ Mk{Þ yLkwMkkh Mkktsu 4-00 f÷kfuÚke, rðrzÞku fkuLVhLMketøk (ðeMke)/yLÞ ykurzÞku rðÍTÞwy÷ {kæÞ{ku (ykuyuðeyu{) Úkfe Lke[uLkk fk{fks MkkY {¤þu.

1) íkk.14-06-2019Lkk hkus {¤u÷ ðkŠ»kf MkkÄkhý Mk¼kLke r{rLkxTMkLke LkkUÄ ÷R çknk÷e ykÃkðk çkkçkík.

2) íkk.29-01-2020Lkk hkus ÞkuòÞu÷ ¾kMk MkkÄkhý Mk¼k{kt ònuh fhðk{kt ykðu÷ çkkuzo ykuV rzhuõxMkoLkkt ð»ko 2020-2025 {kxuLkkt [qtxýeLkk Ãkrhýk{Lke LkkUÄ ÷uðk çkkçkík.

3) íkk.31-3-2020Lkk hkus Ãkqhk ÚkÞu÷k ð»ko {kxu çkkuzo ykuV rzhuõxMkuo íkiÞkh fhu÷ rhÃkkuxo, çkUfLkwt ykurzx ÚkÞu÷wt MkhðiÞwt, LkVk-LkwfþkLk ¾kíkkLkk rnMkkçkku yLku ð»ko 2020-21Lkwt ytËksÃkºk {tsqh fhðk íkÚkk ð»ko 2019-2020Lkk MxuåÞwxhe ykurzxMkoLkk rhÃkkuxoLke LkkUÄ ÷uðk çkkçkík.

4) çkkuzo ykuV rzhuõxMkuo fhu÷ ¼÷k{ý {wsçk LkVkLke ðnU[ýe yLku rhÍðo çkUf ykuV RÂLzÞkLke {tsqheLku ykrÄLk rzrðzLz ònuh fhðk çkkçkík.

5) 2020-21Lkk ð»ko {kxu, çkUfLkk rnMkkçk íkÃkkMkðk MxuåÞwxhe ykurzxhLke rLk{ýqtf fhðk çkkçkík. çkUfLkk çkkuzo ykuV rzhuõxMko îkhk Ãke.ykh.þkn yuLz yuMkkuMkeyuxTMk, [kxozo yufkWLxLxLkk Lkk{Lke ¼÷k{ý fhðk{kt ykðu÷ Au.

6) çkUfLkk yuLk.Ãke.yu. ÚkÞu÷kt ¾kíkkt ÃkifeLkk ¾kíkkyku{kt, çkUfLke ðkŠ»kf MkkÄkhý Mk¼kyu ykÃku÷k yrÄfkh yLkwMkkh çkUfLkk çkkuzo ykuV rzhuõxMkuo, ð»ko Ëhr{ÞkLk y{wf ¾kíkkyku{kt ÷uýe hf{ {ktzðk¤ fhðk fu hkník ykÃkðk fhu÷e ¼÷k{ýLku çknk÷e ykÃkðk çkkçkík.

7) [uh{uLk©eLke {tsqheÚke su fktR fk{ hsq ÚkkÞ íku WÃkh rð[khýk fhðk íkÚkk rLkýoÞ ÷uðk çkkçkík.

fkÞoMkq[e :-

çkkuzo ykuV rzhuõxMkoLkk ykËuþÚke

rðLkkuË S. ËkË÷kýesLkh÷ {uLkush yuLz Mke.E.yku.

y{ËkðkËíkk. 17-09-2020

LkkUÄ : Mk¼kMkËkuLku ¾kMk rðLktíke1) fkuh{Lkk y¼kðu Mk¼k {w÷íðe hnuþu íkku íkus rËðMku yzÄk f÷kf çkkË Mk¼k VheÚke {¤þu su fkÞËuMkh økýkþu yLku yusLzk {wsçkLke fkÞoðkne

fhþu.2) Võík Mk¼kMkËkuLku R-ðku®xøk îkhk {íkËkLk fhðk Ëuðk{kt ykðþu. 3) su Mk¼kMkËkuLku MkhðiÞk íkÚkk LkVk-LkwfþkLkLkk rnMkkçk ytøku Mk¼k{kt ðÄw {krníke òuRíke nkuÞ íku{ýu MkkÄkhý Mk¼kLke íkkhe¾Úke [kh fk{fksLkk

rËðMk yøkkW çkUf{kt ÷ur¾ík {ktøkýe {kuf÷e ykÃkðk rðLktíke Au. ðkŠ»kf ynuðk÷ çkUfLke Ëhuf þk¾k{kt íkÚkk çkUfLke ðuçkMkkRx www.kalupurbank.com Ãkh WÃk÷çÄ Au.

4) ð»ko 2019-20Lkk rzrðzLzLke [qfðýe rhÍðo çkUf ykuV RÂLzÞkLke {tsqhe {éÞk ÃkAe s fhðk{kt ykðþu. 5) rhÍðo çkUfLkk ykËuþ yLkwMkkh Ëhuf Mk¼kMkËLkk KYC MktçktrÄík Ãkwhkðkyku ÷uðkLkwt VhrsÞkík ÚkÞu÷ nkuðkÚke su Mk¼kMkËkuyu KYC MktçktrÄík

Ãkwhkðkyku Ãkwhk Lkrn Ãkkzâk nkuÞ, íku{Lku ykðk Ãkwhkðkyku Ãkwhk Ãkkzâk çkkË s rzrðzLz [wfðkþu. 6) su Mk¼kMkËkuyu nS MkwÄe íku{Lkk ðkhMkËkhLke rLk{ýqtf Lk fhe nkuÞ íku{Lku ðkhMkËkhLke rLk{ýqtf fhðk rðLktíke Au. 7) çkUfLkk Ãkuxk fkÞËk yLkwMkkh íkÚkk ¼khíkLkk çktÄkhý{kt ÚkÞu÷k 97 {k MkwÄkhk yLkwMkkh, çkUfLkk Ëhuf Mk¼kMkËu, íku{Lkw Mk¼kMkËÃkýwt [k÷w hk¾ðk

{kxu çkUfLke fkuR Ãký yuf Mkuðk ÷uðe VhrsÞkík Au, íkuÚke çkUfLkk Ëhuf Mk¼kMkË / Mk¼kMkË ÃkuZeykuLku rðLktíke Au fu íkuyku ykÃkýe çkUf{kt çk[ík/[k÷w ¾kíkk ¾ku÷kðu fu çkUfLke çkeS fkuR Ãký yuf Mkuðk ÷R çkUfLkk Ãkuxk fkÞËk {wsçk Mk¼kMkËÃkýkLkk rLkÞ{kuLkwt Ãkk÷Lk fhu suÚke íku{Lku [qfððk Ãkkºk rzrðzLzLke hf{ ¾kíkk{kt s{k fhðk{kt Mkwøk{íkk hnu.

8) Mk¼kMkËkuLkk íkusMðe rðãkÚkeoykuLkk ÷k¼kÚkuo çkUf{kt “fk÷wÃkwh çkUf rþ»Þð]r¥k ÞkusLkk” íkÚkk rËðtøkík Mk¼kMkËkuLkk ykr©íkkuLku MknkÞ fhðk {kxu “Mk¼kMkË MknkÞ ÞkusLkk” y{÷{kt Au. Mk¼kMkËkuLku yk ÞkusLkkykuLkku ÷k¼ ÷uðk rðLktíke Au.

9) Mk¼kMkËkuyu LkkUÄ ÷uðe fu íkk.02-11-2020 íkÚkk íkk.03-11-2020 ËhBÞkLk íkuyku íku{Lkk «&™ku çkUfLkk R-{uR÷ ykRze [email protected] Ãkh {kuf÷e þfu Au. yk «&™kuLkk sðkçk çkUf îkhk íkk.04-11-2020Lkk hkus çkUfLke ðuçkMkkRx www.kalupurbank.com Ãkh «ËŠþík fhkþu. LkkuxeMk{kt Ëþkoðu÷ yusLzkLkk {wÆk Ãkh Mk¼kMkËku NSDL Lke R-ðkuxªøk MkkRx WÃkh íkk.05-11-2020 yLku íkk.06-11-2020 Lkk hkus {íkËkLk fhe þfþu.

10) rðzeÞku fkuLVhLMkªøk (ðeMke)/yLÞ ykuzeÞku rðÍÞwy÷ {kæÞ{ku (ykuyuðeyu{) îkhk MkkÄkhý Mk¼kLke rðøkíkðkh {køkoËŠþfk yLku «r¢Þk yk MkkÚku Mkk{u÷ Au.

11) su Mk¼kMkËkuyu íku{Lkk R-{uR÷ ykRze çkUf{kt LkkUÄkÞu÷ LkÚke íkuykuLku rðLktíke fhðk{kt ykðu Au fu íkuyku íku{Lkk R-{uR÷ ykRzeLke çkUf{kt LkkUÄýe fhkðu, fkhý fu ykÃkýe çkUf yLÞ çkUfku/ftÃkLkeykuLke su{ ¼rð»Þ{kt ðkŠ»kf MkkÄkhý Mk¼kLke LkkuxeMk yLku çkUfLkku ðkŠ»kf ynuðk÷ r«Lx fkuÃkeLke søÞkyu R÷uõxÙkuLkef {kæÞ{Úke {kuf÷e þfu. suÚke ð]ûkkuLkwt síkLk yLku ÃkÞkoðhýLku MknkÞYÃk ÚkR þfu.

03

th50 ANNUAL GENERAL MEETING TO BE HELD THROUGH VIDEO CONFERENCING (VC) / OTHER AUDIO

VISUAL MEANS (OAVM)

Notice is hereby given to all the members of bank that in view of the extraordinary situation created by COVID-19 pandemic and

keeping in view the necessity of holding the AGM as business requirement and in compliance with the guidelines issued by the thCentral Registrar of Co-operative Societies, New Delhi, the 50 Annual General Body Meeting of members of the Bank will be

ndheld through Video Conference (VC)/Other Audio Visual Means (OAVM) as per detailed guidelines enclosed, on Monday, 2

November 2020 at 4.00 p.m IST to transact the following business.

1. To read and approve the minutes of General Body Meeting held on 14.06.2019.

2. To take note of results of Election for the term 2020-2025 of Board of Directors announced in the Special General Body

Meeting held on 29.01.2020.

3. To consider and adopt the report of Board of Directors, the Audited Balance Sheet, Profit and Loss Account ,Statutory

Auditors report for the year 2019-2020 and approve budget for the year 2020-2021.

4. To approve appropriation of profit and declare dividend as recommended by the Board of Directors subject to approval

from Reserve Bank of India.

5. To appoint Statutory Auditors for the year 2020-2021. The Board of Directors recommends appointment of M/s P.R Shah &

Associates, Chartered Accountants, to carry out Statutory Audit of the bank.

6. To ratify the recommendation of Board of Directors for write off and waiver in NPA accounts as per the powers given by

General Body.

7. Any other matter with the approval of Chairman. By the order of Board of Directors

Vinod G. Dadlani

General Manager & CEOAhmedabad

Dt: 17-09-2020

Note:

1. If the meeting is adjourned for want of quorum, it will be held on the same day after half an hour, which will be considered

legal and business of the meeting will be conducted as per the agenda.

2. Only members will be permitted to vote through e-voting.

3. Members desirous of obtaining additional information regarding Balance Sheet and Profit & Loss accounts, are requested to

send their written request to Bank, four working days in advance from the date of Annual General Body Meeting. Copies of

Annual Report are available at banks branches as well as on Bank's website www.kalupurbank.com

4. Dividend for the year 2019-20 will be disbursed only after approval from Reserve Bank of India.

5. As obtention of KYC related documents of members has been made compulsory by Reserve Bank of India, dividend

will be paid only to those members who have furnished KYC related documents for their shareholding as well as

savings/current accounts.

6. Members who have not done nomination are again requested to invariably make nominations.th7. As per Bank’s Bye-laws and 97 constitutional Amendment Members of bank are required to avail at least one service of our

bank to continue to be eligible for membership. Members / member firms are therefore requested to open savings/current

account and comply extant rules/bylaws pertaining to membership with our bank to facilitate payment of dividend.

8. ''Kalupur Bank Scholarship Scheme'' for meritorious children of members and ''Member Benefit Scheme '' for the benefit of

dependents of deceased members are implemented by bank. Members are requested to avail benefit of these schemes.

9. Members to take note that, they can post questions electronically on 02/11/2020 and 03/11/2020 on the bank's email

address [email protected] . On 04/11/2020, bank shall reply to the questions and post the same on bank's website

www.kalupurbank.com. Members can cast their votes on agenda items during 05/11/2020 and 06/11/2020 on NSDL e-Voting

site .

10. Detailed guidelines and procedure for holding AGM through Video Conference (VC)/Other Audio Visual Means (OAVM) are

attached herewith.

11. Members who have not registered their email IDs with the bank are requested to register with the bank, as our Bank desires

that in future, notice of AGM and and Annual Report are to be sent electronically as done by other Banks/Companies instead

of sending physical copy to each members to save trees and help us become environment friendly.

NOTICE

04


Äe fk÷wÃkwh fku{ŠþÞ÷ fku.ykuÃk. çkUf r÷.Lkk çkkuzo ykuV rzhuõxMkoLke [qtxýeLkk

Ãkrhýk{Lkku ynuðk÷

çkUfLkk Ãkuxk fkÞËk Lktçkh 34(y) yLkwMkkh çkUfLkk çkkuzo ykuV rzhuõxMkoLke {wËík íkk.10-02-2020Lkk hkus Ãkqhe Úkíke níke. {Õxe Mxux fku-ykuÃkhuxeð MkkuMkkÞxeÍ yuõx-2002 Lkk {Õxe Mxux fku-ykuÃkhuxeð YÕMk 2002Lke yLkwMkqr[ 1(yu) {wsçk ©e çkk÷w¼kR ykh. fxkhk, yrÄf yuzeþLk÷ hSMxÙkh fku.ykuÃkhuxeð MkkuMkkÞxeÍ, økwshkík hkßÞ yLku {kS Mkwøkh rzhuõxh, økwshkík hkßÞLke çkUfLkk çkkuzo ykuV rzhuõxMkoLke 2020-25Lkk Mk{Þøkk¤k {kxuLke [qtxýe MktË¼uo rhxLkeOøk ykurVMkh íkhefu rLkÞwõík fhðk{kt ykðe níke. çkkuzoLkk 12 MkÇÞkuLke [qtxýe íkk.28-1-2020Lkk hkus Þkusðk{kt ykðe níke. Lkkur{LkuþLk {kxu fw÷ 17 W{uËðkheÃkºkku òhe fhðk{kt ykÔÞk níkk yLku W{uËðkhe Ãkºkku hsw fhðkLke ytrík{ íkkhe¾ íkk.17-1-2020 MkwÄe{kt 17 W{uËðkheÃkºkku {éÞk níkk. yk W{uËðkhe ÃkºkkuLke [fkMkýe fhíkkt çku W{uËðkhe Ãkºkku økuh÷kÞf XÞko níkk ßÞkhu 15 W{uËðkhe Ãkºkku {kLÞ hÌkk níkk. fw÷ ºký W{uËðkhkuyu ÃkkuíkkLkwt W{uËðkheÃkºk ÃkkAwt ¾ut[íkk çkkfeLkk çkkh (12) W{uËðkhku rçkLknheV [qtxkÞu÷k ònuh fhðk{kt ykÔÞk níkk. suLkwt Ãkrhýk{ íkk.29-01-2020Lkk hkus ÞkuòÞu÷ ¾kMk MkkÄkhý Mk¼k{kt ònuh fhðk{kt ykÔÞwt níkwt. [qtxkÞu÷k MkÇÞkuLkk Lkk{ Lke[u «{kýu Au.

¢{ [qtxkÞu÷k MkÇÞkuLkk Lkk{

1. ©e ytçkh¼kR sÞtíke÷k÷ Ãkxu÷

2. ©e ytçkw¼kR {økLk¼kR Ãkxu÷

3. ©e rçkÃkeLk[tÿ híke÷k÷ þkn

4. zkp. ©e rËLkuþ¼kR {ýe¼kR y{eLk

5. ©e nMk{w¾¼kR økkuÃkk÷¼kR Ãkxu÷

6. CA ©e fkirþf¼kR LktËw¼kR Ãkxu÷

7. ©e rfhex¼kR hk{¼kR Ãkxu÷

8. ©e{íke {kÄðeçkuLk íkw»kkh¼kR Ãkxu÷

9. ©e r{Lkuþ¼kR sþ¼kR Ãkxu÷

10. ©e{íke r{¥k÷çkuLk çkkçkw÷k÷ Ãkxu÷

11. ©e LkðLkeík¼kR [e{Lk÷k÷ Ãkxu÷

12. ©e þi÷u»k¼kR ðk÷S¼kR MkkuLkkhk

No Name

1 Shri Ambarbhai Jayantilal Patel

2 Shri Ambubhai Maganbhai Patel

3 Shri Bipinchandra Ratilal Shah

4 Dr. Shri Dineshbhai Manibhai Amin

5 Shri Hasmukhbhai Gopalbhai Patel

6 Shri Kaushikbhai Nandubhai Patel( CA)

7 Shri Kiritbhai Rambhai Patel

8 Smt. Madhviben Tusharbhai Patel

9 Shri Mineshbhai Jashbhai Patel

10 Smt. Mittalben Babulal Patel

11 Shri Navnitbhai Chimanlal Patel

12 Shri Shaileshbhai Valjibhai Sonara

REPORT REGARDING ELECTION OF

BOARD OF DIRECTORS OF THE KALUPUR

COM. CO-OP BANK LTD.

As per Bank's Bye Law No. 34(a), the term of elected thBoard of Directors of our Bank was to expire on 10

February 2020.As per Schedule 1 (a) of the Multi State

Co operative Societies Rules 2002 of the Multi State

Co operative Societies Act 2002, Shri Balubhai R

Katara, Ex-additional Registrar Co-operative Societies,

Gujarat State and Ex Sugar Director, Gujarat State, was

appointed as Returning Officer by the Board to

conduct Election of Board of our Bank for the term

2020-25. The election of 12 Directors for the term

2020-2025 was fixed on 28.01.2020 . Total 17

nomination forms were issued and all 17 nomination

forms were received within last date of submission of

nomination forms, i.e. 17.01.2020. Out of 17

nomination forms received, two nomination forms

were found invalid and remaining 15 nomination

forms were found valid. Three nomination forms were

withdrawn by the candidates within prescribed

period.Therefore remaining 12 candidates were

declared elected uncontested and result thereof was

announced in the Special General Body Meeting

convened on 29.01.2020. The names of the Elected

Directors are as under:

05

MÚk¤: y{ËkðkËíkk. 29-1-2020

çke.ykh. fxkhkrhx‹Lkøk ykurVMkh

Place: Ahmedabad

Date: 29-1-2020

B.R. Katara

Returning Officer

{kLkLkeÞ Mk¼kMkË ¼kRyku yLku çknuLkku,

MkkiLku Lk{Mfkh !

çkUfLke 50{e ðkŠ»kf MkkÄkhý Mk¼k{kt ykÃk MkðuoLkwt Mðkøkík

fhíkkt nwt ykLktËLke ÷køkýe yLkw¼ðwt Awt. ykÃkýe çkUfu

yiríknkrMkf ÞkºkkLkk 49 ð»ko Ãkqhkt fÞkO Au yLku 5 rzMkuBçkh,

2019Lkk hkus Mkwðýo sÞtíke ð»koLkk Mke{kr[Ln Ãkh ÃknkU[e Au.

Mkwðýo sÞtíke ð»ko WsðýeLkk ¼køkYÃku çkUfu Lkðku ÷kuøkku «Míkwík

fÞkuo níkku su{kt Lke[u Ëþkoðu÷ MktËuþ yr¼«uík Au.

1) «fkþ Vu÷kððku

2) çku nkÚk yufíkk, yufçkeòLku MknkÞ, MknÞkuøk yLku xe{

ðfo Ëþkoðu Au.

3) íkíðkuLkku «ðkn økúuMk yLku Mkwøk{íkk ÷kðu Au.

4) íkíðkuLkwt MðYÃk K yLku B su fk÷wÃkwh çkUfLkwt «ríkrLkrÄíð

Ëþkoðu Au.

{Lku rðïkMk Au fu Lkðk ÷kuøkku ÃkkA¤Lkku MktËuþ økúknfkuLku «uhýk

ykÃkþu MkkÚku MkkÚku çkUfLkk ÔÞkÃkkh yLku rðfkMk {kxu økúknfku

yLku Mk¼kMkËku îkhk íkuLku Mkk[e ¼kðLkkÚke Mðefkhðk{kt ykðþu.

Lkðku ÷kuøkku [ku¬MkÃkýu çkUfLke þkLk{kt ðÄkhku fhþu. Ãkkt[

ËkÞfkLkk yk Mk{Þøkk¤k Ëhr{ÞkLk çkUfu çkU®føk «ð]r¥kykuLkk

ík{k{ ûkuºk{kt LkkUÄÃkkºk «økrík fhe Au.

MkLku 2019-20 ËhBÞkLk ykÃkýe çkUfLkku fkhkuçkkh

Y>.12,755.27 fhkuzLku yktçke økÞku Au. ð»ko ËhBÞkLk ykÃkýe

çkUfu rÄhký{kt 5.16% íkÚkk ÚkkÃkýku{kt 12.94% Lkkt ð]ÂæÄ MkkÚku

LkkUÄÃkkºk «økrík fhu÷ Au. ykÃkýe çkUfLke fk{økeheLke rðMík]ík

{krníke çkkuzo ykuV rzhuõxMkoLkk ynuðk÷{kt ykÃkðk{kt ykðe Au.

yk{, ykÃkýe çkUfu rðfkMkLke Lkðe ô[kRyku Mkh fhe

¼khík¼hLke yçkoLk Mknfkhe çkUfku{kt MkL{kLkLkeÞ MÚkkLk

ò¤ðe hkÏÞwt Au.

çkUfLkk Mk¼kMkËku, çkkuzo ykuV rzhuõxMkoLkk rLkckðkLk

MkÇÞ©eyku, þk¾k rðfkMk Mkr{ríkLkk MkÇÞ©eyku, þw¼uåAfku,

økúknfku yLku f{o[kheykuLkwt çkUfLke «økrík{kt y{qÕÞ ÞkuøkËkLk

hnu÷ Au íku çkË÷ nwt MkðuoLkku ytík:fhýÃkqðof yk¼kh {kLkwt Awt.

çkUfu MkLku 2019-20 Ëhr{ÞkLk fhu÷ fk{økeheLkku íkÚkk íkk.31-

03-2020Lkk hkusLke çkUfLke ykŠÚkf ÃkrhÂMÚkríkLkku ynuðk÷ hsq

fhíkkt Ãknu÷k ykÃkýk ËuþLke íkÚkk çkUfkuLke ðíko{kLk ykŠÚkf

ÃkrhÂMÚkríkLkku r[íkkh íkÚkk çkU®føk ûkuºku ykðe hnu÷k VuhVkhku

ytøku {khk rð[kh xqtf{kt hsq fheþ.

ykÃkýLku MkðuoLku {¤íkk ònuh Mk{k[khku {wsçk, ¼khík rðï{kt

MkkiÚke ÍzÃkÚke ð]ÂæÄ Ãkk{íkkt yÚkoíktºkku{ktLkwt yuf Au íkÚkk rðïLkk

yÚkoíktºkku{kt SzeÃke (GDP) Lke árüyu rðïLke Ãkkt[{e MkkiÚke

{kuxe yÚkoÔÞðMÚkk íkhefu W¼he ykðu÷ Au. ËuþÔÞkÃke COVID-

19 Lkkt fkhýu MkLku 2024-25 MkwÄe{kt Ãkkt[ rxÙr÷ÞLk zku÷hLke

yÚkoÔÞðMÚkk çkLkkððkLkwt ÷ûÞ fËk[ ÃkzfkhsLkf Mkkrçkík

Úkþu.

¼khík MkhfkhLkk ð»ko 2020-21 Lkk furLÿÞ çksux{kt f]r»k yLku

økúk{eý rðfkMk Ãkh {wÏÞ ¼kh {qfðk{kt ykÔÞku Au.

sYrhÞkík{tË ¾uzqíkkuLku {ËË fhðk {kxu f]r»k, ®Mk[kR yLku íkuLku

÷økíke «ð]r¥kyku Ãkh ¼kh {qfðk{kt ykÔÞku Au. fkiþÕÞ

rðfkMkLkk {køko îkhk rþûký ûkuºkLku Ãký çksux{kt ¾kMk {níð

ykÃkðk{kt ykÔÞwt Au. yuftËhu çksux{kt Wãkuøk yLku ðkrýßÞLkk

rðfkMk yLku «kuíMkknLkLku {níð ykÃkðk{kt ykÔÞwt Au.

rzÃkkuÍex ðe{k yLku ¢urzx økuhtxe fkuÃkkuohuþLk (DICGC) îkhk

«rík ÚkkÃkýËkh rzÃkkuÍex ðe{kLke hf{ Y>.1 ÷k¾Úke ðÄkheLku

Y>.5 ÷k¾ MkwÄeLke fhðk{kt ykðe Au. yk çksux{kt fku-

ykuÃkhuxeð MkkuMkkÞxeÍ Lku 22% Ã÷Mk 10% Mkh[kso yLku 4%

MkuMk Ãkh fkuR {wÂõík / fÃkkík rMkðkÞLkku fh [qfðe ykÃkðkLkku

rðfÕÃk Ãkqhku Ãkkzðk{kt ykÔÞku Au, suLkk Ãkrhýk{u çkUf îkhk fh

[qfðýe{kt çk[ík Úkþu. yk çksux{kt ÔÞÂõíkøkík ykðf ðuhkLke

økýíkheLke {kxu sqLkk ykðfðuhkLkk rðfÕÃk íkhefu Mkh¤ yuðe

Lkðe ykðfðuhkLke Ëh¾kMík fhðk{kt ykðe Au.

Ëuþ{kt Mk{kðuþe rðfkMk {kxu çksux{kt rLkðkhf ykhkuøÞ

Mkt¼k¤, LkkýktfeÞ Mk{kðuþ, rÄhký MknkÞ, ÃkkuMkkÞ íkuðk

ykðkMkku Ãkh æÞkLk furLÿík fheLku “Mkçkfk MkkÚk, Mkçkfk

rðfkMk, Mkçkfk rðïkMk” rðÍLk îkhk {køkoËþoLk ykÃkðk{kt

ykÔÞwt Au su Ãkøk÷k ykðfkÞo Au. xqtf{kt çksux{kt ËuþLkk íkusMðe

rðfkMk yLku ð]ÂæÄ {kxuLkwt æÞuÞ hk¾ðk{kt ykÔÞwt Au.

ËuþLke íkÚkk çkUfkuLke ykŠÚkf ÃkrhÂMÚkrík :

[uh{uLk©eLkwt rLkðuËLk

06


¼khíkLkk íku{s ðirïf yÚkoíktºkLku COVID-19 «urhík

÷kufzkWLkLkk fkhýu yÚkoíktºkLkk ík{k{ ûkuºkku{kt ¾kMk fheLku

LkkLkk ÄtÄk, yu{yuMkyu{R (MSME) yLku yLÞ ûkuºkku{kt Ãký

rðÃkrhík yMkh Ãkze Au. {Lku sýkðíkkt ykLktË ÚkkÞ Au fu

÷kufzkWLkLkk Mk{Þøkk¤k Ëhr{ÞkLk çkUfu f{o[kheyku, økúknfku

yLku Mk¼kMkËkuLkk Mkr¢Þ MknÞkuøkÚke fkuRÃký rðûkuÃk rðLkk

çkU®føk Mkuðkyku ykÃkðkLkwt [k÷w hkÏÞwt Au.

rhÍðo çkUf ykuV RÂLzÞk îkhk COVID-19 Lke yMkhLku

½xkzðk {kxu fux÷ktf hkníkLkk Ãkøk÷kt ÷eÄu÷ Au. Ëk.ík. xkøkuoxuz

÷kuLøk-x{o huÃkku ykuÃkhuþLMk (TLTRO), Ãkku÷eMke hux{kt ½xkzku

yLku LkkýktfeÞ Ãkku÷eMkeLkwt rðMíkhý, {wËíke ÷kuLk yLku fkÞofkhe

{qzeLke Ãkhík [qfðýeLkwt rhrþzâw÷ªøk, fkÞofkhe {qze

VkRLkkLMk{kt Mkh¤íkk, MÃkuþeÞ÷ {uLþLk yufkWLxTMk (SMA)

yLku LkkuLk ÃkVkuo{ªøk yufkWLx (NPA) Lkwt ðøkeofhý,

fhsËkhkuLku nók yLku ÔÞksLke [qfðýe{kt hkník ykÃkðe ðøkuhu.

ykÃkýe çkUf îkhk çkÄk rÄhkýËkhkuLku fkuRÃký ðneðxe

fkÞoðkne ðøkh {kuhuxkuheÞ{Lkku ÷k¼ ykÃkðk{kt ykðu÷ Au. çkUf

îkhk ykí{rLk¼oh økwshkík MknkÞ ÞkusLkk-1 yLku 2 Lkku Ãký

y{÷ fhðk{kt ykðe hÌkku Au.

ykÃkýe çkUf RBI Lkk ík{k{ rËþkrLkËuoþkuLku ÷køkw fhðk {kxu

Mkr¢Þ «ÞkMk fhe hne Au yLku økúknfkuLku íku{Lke çkU®føk

ykð~Þfíkkyku {kxu xufku ykÃkðk «ríkçkØ Au.

LkuþLk÷ MxuxuMxef ykurVMk (NSO) îkhk ònuh fhkÞu÷ ytËks

{wsçk ¼khíkLkku Gross Domestic Product (GDP) Lkku ð]rØ

Ëh 5% MkwÄe Úkþu yuðwt yLkw{kLk ÷økkððk{kt ykðu÷ níkwt. Ãkhtíkw

Covid-19 Lkkt fkhýu GDP Ãkh rðÃkheík yMkh ÚkR þfu Au.

çkU®føk ûkuºkLku yufef]ík fhðkLkk árüfkuýÚke Mkhfkhu fux÷ef

hk»xÙeÞf]ík çkUfku suðe fu ykuheyuLx÷ çkUf ykuV fku{Mko yLku

ÞwLkkRxuz çkUf ykuV RÂLzÞkLkwt Ãktòçk LkuþLk÷ çkUf{kt òuzký

fheLku íku{s yktÄú çkUf yLku fkuÃkkuohuþLk çkUfLkwt ÞwrLkÞLk çkUf

ykuV RÂLzÞk{kt, ®Mkrzfux çkUfLkwt fuLkuhk çkutf{kt òuzký yLku

yÕnkçkkË çkUfLkwt RÂLzÞLk çkUf MkkÚku òuzký fhu÷ Au.

yuftËhu LkkýktfeÞ ð»ko 2019-20 çkUfku {kxu «{ký{kt Lkçk¤e

ÂMÚkrík MkkÚku Mk{kó ÚkÞwt Au. Äe{e rÄhký ð]ÂæÄ yLku Äe{ku

rÄhký ykuV-xuf hux çkU®føk Wãkuøk {kxu MkkiÚke {kuxku Ãkzfkh Au.

suLke yMkh çkUfkuLke LkVkfkhfíkk Ãkh Ãkzþu.

nwt íkuÚke çkÄk MkÇÞku yLku økúknfkuLku yÃke÷ fÁt Awt fu ykøkk{e

rËðMkku{kt ¢urzx rzÃkkuÍex økwýku¥kh{kt MkwÄkhku fhðk {kxu çkUfLku

økwýð¥kkÞwõík rÄhký ð]ÂæÄ «kó fhðk{kt MknÞkuøk ykÃkþku.

ykÃk Mkðuo òýíkkt nþku íku «{kýu Vuçkúwykhe-2020 {kt RBI îkhk

Aêe rî-{krMkf LkkýktfeÞ Lkerík ð»ko 2019-20 {kxu çknkh

Ãkkzðk{kt ykðu÷ níke su{kt {wÏÞíðu ðíko{kLk yLku rðfMkíke

çk]nË Economic ÃkrhÂMÚkrík Lkk ykÄkhu RBI îkhk ßÞkt MkwÄe

Ëuþ{kt ð]ÂæÄ ÃkwLkSoðeík Lk ÚkkÞ íÞkt MkwÄe “yLkwfw¤ ð÷ý” Lke

Lkerík [k÷w hk¾ðkLkku rLkýoÞ ÷eÄku Au. MkkÚku MkkÚku VwøkkðkLkku Ëh

+/- 2% Lkk Ëh MkkÚku 4% hk¾ðkLkku «ÞkMk fÞkuo Au su rðfkMkLku

«kuíMkknLk ykÃkþu. yLkwfq¤ ð÷ýLke LkeríkLku xufku ykÃkðk {kxu

RBI yu ð»ko 2019-20 Ëhr{ÞkLkLkk Mk{Þøkk¤k Ëhr{ÞkLk íkuLke

çkU[{kfo Lkerík Ëhku{kt (Policy Rates) ½xkzku fÞkuo Au.

íkËTyLkwMkkh huÃkkuhux 6.00% Úke ½xeLku 4.4%, rhðMko huÃkku hux

5.75% Úke ½xeLku 3.75% fhðk{kt ykÔÞku Au. Marginal

Standing Facility ({kSoLk÷ Mxu®Lzøk VurMk÷exe) yLku çkUf

hux 6.25% Úke ½xkzeLku 4.65% fhu÷ Au.

huÃkku hux{kt ½xkzkLkk Ãkøk÷kÚke rhxu÷ yLku MktMÚkkfeÞ

rÄhkýËkhkuLku Lke[k {krMkf nók ¼hðkLkk Úkþu suLkk fkhýu

rÄhký{kt ð]ÂæÄ Úkþu. ykÃkýe çkUf îkhk yk Ãkøk÷kLke

íkkífkr÷f «ríkr¢Þk ykÃkðk{kt ykðe níke yLku 15{e yur«÷-

2020 Úke rÄhkýLkk ÔÞksËhku{kt ½xkzku fhu÷ Au. yk

Mk{Þøkk¤k Ëhr{ÞkLk çkUf îkhk Mxkuf-çkwfzuçx Mxux{uLx hsq

fhðk{kt, rÄhký fkÞoðkne{kt, heLÞwy÷{kt íkÚkk ËtzLkeÞ

ÔÞks{kt Ãký Mkwøk{íkk fhe ykÃku÷ Au.

ð»ko Ëhr{ÞkLk yçkoLk fku-ykuÃkhuxeð çkU®føk ûkuºku rðfkMk ÚkÞku

Au íku{s rMkMx{ yLku «r¢Þk{kt VuhVkh ykÔÞku Au su yçkoLk

fku-ykuÃkhuxeð çkUfLke fk{økeheLku {sçkqík çkLkkððk{kt [ku¬Mk

Ãkýu Vk¤ku ykÃkþu.

{wÏÞ VuhVkhku yk {wsçk Au.

çkkuzo ykuV {uLkus{uLxLke {køkoËŠþfk {wsçk su «kÞ{he yçkoLk

fku-ykuÃkhuxeð çkUfku (UCB) Lke zeÃkkuÍex Y>.100 fhkuzÚke

ðÄkhu nkuÞ yLku suyku íku{Lkwt fkÞoûkuºk rðMík]ík fhðk {køkíkk

çkU®føk ûkuºku ykðe hnu÷ VuhVkh :

yçkoLk fku-ykuÃkhuxeð çkU®føk ûkuºk{kt VuhVkh :

1) çkkuzo ykuV {uLkus{uLx

07

nkuÞ yÚkðk Lkðe þk¾kyku ¾ku÷ðk {køkíkk nkuÞ íkuðe çkUfkuyu

VhrsÞkík Ãkýu çkkuzo ykuV {uLkus{uLxLke h[Lkk fhðkLke hnuþu.

çkU®føk ûkuºku, xufLkku÷kuS íkÚkk zeSx÷ [uLk÷kuLkk ðÄíkk síkk

ðÃkhkþLku fkhýu, Cyber Frauds ðæÞk Au. yk MktË¼o{kt

Cyber Mkwhûkk ðÄkhðkLkk nuíkwÚke RBI îkhk yçkoLk fku-ykuÃk.

çkUfku {kxu fkurB«nuÂLMkð MkkÞçkh rMkõÞwhexe ytøkuLkku ÃkrhÃkºk

çknkh Ãkkzu÷ Au. MkËhnw £u{ðfoLku yuf økúuzuz yr¼øk{ Ãkh

½zðk{kt ykðu÷ Au yLku [wfðýe rMkMx{Lkku rzrsx÷ ôzkR yLku

yufçkeò MkkÚku Mktf¤kÞu÷e ÃkæÄrík suðk [kh Míkhku{kt ðøkeof]ík

fhðk{kt ykðu÷ Au. yk MktË¼o{kt çkUfkuyu fux÷kf ðneðxe íkÚkk

rLkÞtºký MktçktÄe Ãkøk÷kt ¼hðkt Ãkzþu.

yk {køkoËŠþfk yLkwMkkh su çkUfkuLke yøkkWLke LkkýktfeÞ ð»koLke

íkk.31 {k[oLkk hkus yMõÞk{íkku Y>.500 fhkuzÚke ðÄkhu nkuÞ

íku{ýu íku{Lkk Y>.5 fhkuzÚke ðÄkhu r÷r{x Ähkðíkk ¾kíkuËkhkuLku

yuMkyu{yu (SMA) {wsçk ðøkeof]ík fhðk Ãkzþu yLku ykðk

¾kíkk ÄkhfkuLke {krníke rhÍðo çkUf îkhk h¾kíke MkuLxÙ÷

heÃkkuÍexhe{kt sýkððe Ãkzþu.

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íkÚkk LkkýktfeÞ Mk{kðuþLku «kuíMkkrník fhðkLkk ¼køkYÃku ®Mkøk÷

íkÚkk økúwÃk yuõMkÃkkuÍhLke ÔÞkÏÞk MkwÄkhðk{kt ykðe Au. MkËhnw

r÷r{x su Ãknu÷k furÃkx÷ VtzLkk 15% yLku 40% níke íku nðu

xkÞh-1 furÃkx÷Lkk 15% yLku 25% hnuþu.

2) ÔÞkÃkf MkkÞçkh rMkõÞwhexe £u{ðfo

3) Central Repository of Information on Large

Credits (CRILC)

4) ®Mkøk÷ / økúwÃk rÄhkýËkhkuLkk yuõMkÃkkuÍh rLkÞ{{kt VuhVkh çkkçkík

5) «kÞkurhxe Mkuõxh{kt MkwÄkhk çkkçkík

«kÚkr{fíkk Ãkkºk ûkuºkkuLkk rÄhkýLkk ÷ûÞktf{kt ðÄkhku fhðk{kt

ykðu÷ Au su{ fu yíÞkhLkk ANBC 40% Lke søÞkyu ANBC

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yuõMkÃkkuÍh)Lkk 75% fhðk{kt ykðu÷ Au su ÷ûÞktf íkk. 31-

3-2024 MkwÄe{kt íkçk¬kðkh heíku Ãkwhku fhðkLkku hnuþu.

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÷k¾Úke ðÄkhu Lk nkuðe òuRyu.

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Au.

COVID-19 {nk{kheLkk ytíkLkk ykþkðkË MkkÚku, yuftËhu

¼khíkeÞ yÚkoíktºkLkwt íkÚkk çkU®føk ûkuºkLkwt ¼krð ykþkMÃkË sýkÞ

Au. ykÃkýe çkUfLkk çkÄk s f{o[kheyku çkUfLkk MkðkOøke rðfkMk

íkÚkk íkusMðe ¼rð»Þ {kxu Mkíkík fkÞoþe÷ hnuþu íkuLkku {Lku

rðïkMk Au.

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çkUfLke Mkwðýo sÞtíke ykLktË yLku WíMkknÃkqðof Wsðeþwt su heíku

ykÃk Mkkiyu çkUfLke 50 ð»koLke rðfkMk Þkºkk{kt y{qÕÞ ÞkuøkËkLk

ykÃku÷ Au íku s heíku ykÃk Mkki çkUfLku Lkðk rþ¾hku Mkh fhðk

{ËËYÃk çkLkku íkuðe y{u ykÃk MkkiLku rðLktíke fheyu Aeyu.

AuÕ÷k 49 ð»kkuoÚke ík{u çkÄkyu su heíku ykÃkýe çkUfLkk rðfkMk{kt

MknÞkuøk ykÃÞku Au, íku s heíku, ykðLkkhk rËðMkku{kt ykÃkýe

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ÚkkÞ íku {kxu ÃkwLk: ykÃk MkkiLkk Mknfkh {kxu rðLktíke fÁt Awt.

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MkkiLkku yk¼kh {kLkwt Awt.

sÞ Mknfkh, sÞ ¼khík

LkðLkeík¼kE Mke.Ãkxu÷[uh{uLk

08


Respected members,

thI am delighted to welcome you to the 50 Annual

General Body Meeting of our bank. Our bank has

completed 49 years of its historic journey and has

reached a remarkable milestone of Golden Jubilee thYear on 5 December 2019 . As a part of Golden

Jubilee Year celebration, our Bank has launched a

new logo which depicts following theme:

1. Spreading the light.

2. Two hands showing unity, togetherness, helping

each other, co-operation and Team work.

3. Flow in elements bring Grace and Flexibility.

4. Form of element represent K & B i.e. Kalupur

Bank.

I am sure the message behind the new logo “bring

delight to the customer on first part and business

development on the part of the Bank”, will be

accepted in true spirit by the customers and various

stakeholders. New logo will definitely enhance Brand

Name for our Bank.

During this period of five decade, our bank has

made remarkable progress in all the spheres of

banking activities and established itself as a

respectable urban co-operative bank in India.

During the year 2019-20, our bank has achieved

business mix of Rs.12755.27 Crores with 5.16 %

growth in Advances and 12.94 % growth in Deposits

which can be considered satisfactory. Details of

working of our bank are provided in the report of

Board of Directors.

I am thankful to Shareholders, Members of Board of

Directors, Branch Development Committee

members, well-wishers, customers, staff members for

their co operation and support extended in

achieving significant progress of the bank. Before

presenting the report on the working of the bank

during the year under review, I would like to present

my views on economic scenario of our country,

banking industry and the changes which took place

in the banking sector in our country.

As per news reports, India has emerged as one of

the fastest growing major economy in the world and this the 5 largest economy in the world in terms of

GDP. Our vision to become a 5 trillion dollar

economy by 2024-25 seems challenging in the wake

of COVID-19 pandemic.

In the Union Budget 2020-21, the main focus has

been given on supporting the Agriculture and Rural

Development by way of supporting the needy

farmers for agriculture, irrigation and allied activities.

The budget has also given importance to Education

Sector by way of skill development. Overall, the

thrust of the budget was on development and

promotion of Industry and Commerce.

The DICGC has increased the Deposit Insurance

Coverage from existing Rs. 1 lakh to Rs. 5 lakh per

depositor. The budget has provided an option to Co

Operative Societies to be taxed at 22% plus 10%

surcharge and 4% cess with no exemption /

deduction which will result into tax saving by the

bank. Simplified new Income Tax regime for

individual tax payer as an option to the old regime

has been proposed in the budget.

As an inclusive growth in the budget , the vision is

guided by “Sabka Saath, Sabka Vikas, Sabka

Vishwas” with focus on preventive healthcare,

financial inclusion, credit support, affordable housing

which are welcome initiatives. In all, this Budget has

set the tone for bright future growth and

development.

On the domestic economic scenario one of the

major factor that has impacted economy in the India

Domestic Economy Scenario:

CHAIRMAN’S STATEMENT

09

and Globally is the impact of COVID-19 induced lock

down that has adversely effected all sectors of the

economy more particularly small business, MSMEs,

and other segments also.

During this lock down period our bank has

continued to provide the banking services without

any disruptions with active support from the staff,

customers and other stakeholders.

Reserve Bank of India has taken some relief measure

and action to mitigate the effect of COVID-19

pandemic e.g. Liquidity Measures to Combat

Adverse Impact of COVID-19 such as Targeted Long-

Term Repo Operations (RBI- LTROs), Reduction in

Policy Rate and Widening of the monetary Policy,

rescheduling of payment of Term Loan and Working

Capital, easing of working capital finance,

classification of Special Mention Account (SMA) and

Non-Performing Asset (NPA), giving moratorium in

payment of interest and installments to borrowers

etc. Our bank has also extended moratorium benefit

to all borrowers across the board without any

administrative formalities. We have implemented

guidelines issued by Gujarat State Government

launching Atmanirbhar Gujarat Sahay Yojna 1 and 2.

Our Bank has implemented guidelines of the RBI and

committed to support customers for their banking

requirements.

As per advance estimate released by the National

Statistical Office (NSO) India's Gross Domestic

Product (GDP) growth for the year has been

estimated at 5% , however, due to COVID-19

pandemic GDP may be adversely affected.

With a view to consolidating banking sector,

Government has merged Nationalized banks like

Oriental Bank of Commerce and United Bank of India

with Punjab National Bank, Andhra Bank and

Corporation Bank with Union Bank of India,

Syndicate Bank with Canara Bank and Allahabad

Bank with Indian Bank.

Banking Scenario :

The financial year 2019-20 has ended on a relatively

weak note for banks. slowing credit growth and

slowing credit off -take is the biggest challenge the

banking industry is facing which will also affect

profitability of the banks.

I, therefore appeal all members and customers to

support our bank in achieving qualitative credit

growth to improve our Credit Deposit ratio in the

days to come.

You may be aware that in February 2020, while

issuing Sixth Bi-monthly Monetary Policy Statement

for the year 2019-20 on the basis of an assessment

of the current and evolving macroeconomic

situation, RBI has decided to continue with the

accommodative stance as long as it is necessary to

revive growth, while ensuring that inflation remains

within the target for consumer price index (CPI)

inflation at 4 per cent within a band of +/- 2 per

cent, while supporting growth.

To support the accommodative stance RBI has

reduced its benchmark Policy Rates over a period

during the year 2019-20. Repo Rate has been

reduced from 6.00% to 4.4%, Reverse Repo rate

reduced from 5.75% to 3.75%. Marginal Standing

Facility and Bank Rate reduced from 6.25% to 4.65%.

A move towards reduction in Repo rate will translate

into lower monthly installments for retail and

institutional borrowers which will result into growth

in advances. Our bank has also responded promptly

and reduced interest rates from 15th April 2020. We

have also given flexibility in renewal /submission of

Stock & Book-debts statements, waiver of penalty

etc during the period.

During the year Urban Co Operative Banking Sector

has witnessed some major development and

changes in the system and procedure which will

definitely contribute in strengthening the

functioning of UCBs.

Changes in the Banking Sector:

Changes in Urban Co Operative Banking Sector:

10


Gist of major changes / developments are as

under:

1. Board of Management: Constitution of Board of

Management (BoM) in Primary (Urban) Co-

operative Banks (UCBs) and as per this guidelines

UCBs with Deposit size of Rs. 100 crore and

above shall have to constitute BoM which will

also be a mandatory requirement for allowing

such banks to expand their area of operation and

open new branches.

2. Comprehensive Cyber Security Framework:

With the increase in the technology adoption and

use of digital channels by banks and their

customers for various banking operations, there

is a significant increase in cyber frauds. In the

context of this, Reserve Bank of India has issued

circular on Comprehensive Cyber Security

Framework for Primary (Urban) Cooperative

Banks (UCBs). The framework has been

formulated on a graded approach and

categorized into four levels based on their digital

depth and interconnectedness to the payment

system landscape. Various administrative controls

/ measures are to be implemented by the Bank.

3. Central Repository of Information on Large

Credits (CRILC): As per the guidelines Primary

(Urban) Co-operative Banks (UCBs) having total

assets of ₹500 crore and above as on 31st March

of the previous financial year has to report credit

information, including classification of an account

as Special Mention Account (SMA), on all

borrowers having aggregate exposures of ₹5

crore and above with them to Central Repository

of Information on Large Credits (CRILC)

maintained by the Reserve Bank.

4. Change in Single / Group Borrower Exposure

Norms: With a view to reducing concentration

risk in the exposure of UCBs and further

strengthen the role in promoting financial

inclusion Prudential Exposure Limits for Single

and Group Borrower has been revised from

existing 15% and 40% respectively of Capital

Fund to 15% and 25% of Tier I Capital which is to

be achieved by 31.03.2023.

5. Change in Priority Sector Lending Target:

Priority Sector Lending Target increased from

existing 40% of ANBC to 75% of ANBC or CEOBSE

( Credit Equivalent of off-balance sheet exposure)

which is to be complied by 31.03.2024. At least

50% of our loan and advances should be loans of

not more than Rs. 25 Lakh , subject to a

maximum Rs. 1 crore, per borrower/party.

Our Bank has started taking necessary steps to

adhere the RBI directives / guidelines in course of

time despite difficult financial markets.

Over a period of time after Covid-19 pandemic

subsides completely the future of Indian economy

and the banking industry in particular is promising.

We expect all staff members to work hard for bright

future of our bank.

With support of all share holders , customers and

staff members , let us celebrate this Golden Jubilee

Year with zeal and enthusiasm. The way you all have

contributed towards development of our bank for

last 49 years, in the same way, we request all of you

to extend your support so that our bank can achieve

new milestones in the coming days.

On behalf of the Board of Directors of the Bank and

on my personal behalf, I would like to convey my

thanks to all of you.

Jay Sahakar, Jay Bharat.

Navnitbhai C. Patel

Chairman

11

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(Yk. fhkuz{kt)

12


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økwýku¥kh ½xðkLkwt {wÏÞ fkhý yu÷.Mke.rçkÕMkLkk ÄtÄk fhíkk

{wÏÞ ÄtÄk (Core Business) íkhVLkwt æÞkLk íkÚkk COVID-19 ™e

yMkh Au. ykÃkýe çkUf îkhk rhxu÷ rÄhký ûkuºku nkWMkªøk,

yußÞwfuþLk yLku fkh ÷kuLk {kxu ¾qçk s MÃkÄkoí{f Ëhu rÄhký

ykÃkðk{kt ykðu Au. [k÷w ð»ko 2020-21 Ëhr{ÞkLk çkUfLku

rÄhký{kt {æÞ{ ð]ÂæÄ ÚkðkLke yÃkuûkk Au.

çkUf îkhk Úkíkk ík{k{ «fkhLkk rÄhkýku{kt ¾qçk s MÃkÄkoí{f

ÔÞks Ëhku hk¾ðk{kt ykÔÞk Au suLkku ÷k¼ ½ýk çkÄk økúknfkuLku

{¤u Au. ykÃkýk Ëuþ{kt MSME ûkuºk ykŠÚkf rðfkMk{kt yLku

hkusøkkhe MksoLk{kt ½ýwt s ÞkuøkËkLk ykÃku Au. yux÷u MSME ûkuºku

rÄhký{kt ð]ÂæÄ Úkíke hnu íku {kxu çkUf îkhk yk ûkuºkLkk

WãkuøkfkhkuLke ¾kMk r{xªøkku Þkusðk{kt ykðu Au. íkËTWÃkhktík

Agro Based WãkuøkfkhkuLku ¾kMk Ëhu rÄhký ykÃkðk{kt ykðu Au.

çkUf îkhk nkWMkªøk rÄhký Ãký ¾qçk s MÃkÄkoí{f Ëhu yÃkkÞ

Au. yk rMkðkÞ ík{k{ «fkhLkkt rhxu÷ rÄhký Ãký çkU®føk

Wãkuøkûkuºku «ðíko{kLk ÔÞksËhkuLke íkw÷Lkk{kt ¾qçk s ykf»kof

ÔÞks Ëhu yÃkkÞ Au. AuÕ÷kt fux÷ktf ð»kkuoÚke Ëk¾÷ fhkÞu÷e

13

¢urzx hu®xøk «Úkk ytíkøkoík, ô[w ¢urzx hu®xøk Ähkðíkk økúknfkuLku

ÔÞksËh{kt rðþu»k hkník ykÃkðk{kt ykðu Au. yk ÞkusLkk{kt

fux÷kf MkwÄkhk fhe íkuLku ðÄw økúknfkuÃkÞkuøke çkLkkððk{kt ykðe

hne Au. ðÄw{kt ykÃkýe çkUf îkhk RMÞq fhðk{kt ykðíke çkUf

økuhtxe, økwshkík økðo{uLxLkk ík{k{ rð¼køkku, çkkuzo, fkuÃkkuohuþLk,

MkkuMkkÞxe íku{s ½ýkt Ãkç÷ef Mkuõxh yLzh xufªøk AuÕ÷kt ½ýkt

ð»kkuoÚke {kLÞ hk¾u Au.

yk{ çkUf îkhk økwýð¥kkÞwõík rÄhký ð]ÂæÄ {kxu Mk½Lk «ÞkMkku

[k÷w s hnuþu. çkUfLkwt çkkuzo ykuV rzhuõxMko yk fk{økehe fhíkk

Mkðuo f{o[kheykuLku yr¼LktËLk ÃkkXðu Au.

rhÍðo çkUf ykuV RÂLzÞkLke Mkq[Lkk «{kýu, çkUfkuyu íku{Lke

yuzsMxuz Lkux çkUf ¢urzxLkk 40% sux÷wt rÄhký «kÞkurhxe

Mkuõxh{kt yLku íku Ãkife 10% rÄhký Lkçk¤k ðøkkuoLku yLku 7.50%

rÄhký {kR¢ku yuLxh«kRÍ Lku fhðkLkwt nkuÞ Au. «kÚkr{fíkk Ãkkºk

rÄhkýLkk «{kýÃkºkku ¾heË yLku ðu[ký fÞko ÃkAe 2019-

2020Lkk [kh rºk{krMkf økk¤k Ëhr{ÞkLk Mkhuhkþ «kÞkuhexe

ûkuºkLkwt rÄhký 42.63% sux÷wt Au.

ð»kkOíku [kh rºk{krMkf økk¤k Ëhr{ÞkLk Mkhuhkþ Lkçk¤k ðøkkuoLku

ÚkÞu÷wt rÄhký 10.71% Au, su yøkkWLkk ð»kuo 8.39% níkwt.

{kR¢ku yuLxh«kRÍ rÄhký 7.50% Lkk ÷ûÞktf Mkk{u 8.10%

Au. íkuðe s heíku çkUfu LkkýktfeÞ ð»ko 2019-20 Ëhr{ÞkLk yøkúíkk

ûkuºkLkk ík{k{ ÷ûÞktfku yLku Ãkuxk-÷ûÞktfku «kó fÞko Au. Lkçk¤k

ðøko íku{s {kR¢ku yuLxh«kRÍ{kt rÄhký ðÄkhðk {kxu çkUf

rLkckðkLk «ÞkMkku fhe hne Au. çkUfLkwt {kR¢ku ¢urzx rÄhký

Y>.8.19 fhkuz Au. {kR¢ku ¢urzx rÄhkýLkku ÔÞkÃk ðÄkhðk {kxu

nðuÚke çkUfLke çkÄe s þk¾kyku yk «fkhLkwt rÄhký fhe hne

Au.

Mk{ksLkk Lkçk¤k ðøkkuoLku ½h yktøkýu çkU®føk Mkuðkyku Ãkwhe Ãkkzðk

{kxu çkUfu {kuçkkR÷ ðkLkLke Mkuðk þY fhu÷ Au. yk {kuçkkR÷ ðkLk

y{ËkðkË{kt swËk swËk rðMíkkhku suðk fu {swhøkk{, økkiík{Lkøkh

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Mkuðk MkËLk, nehkðkze, çkkÃkk rMkíkkhk{ [kuf, ¾kurzÞkh {trËh,

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Ähkðíkkt rðMíkkhku{kt çkU®føk MkwrðÄk Ãkwhe Ãkkzu Au.

«kÞkuhexe MkuõxhLkwt rÄhký :

MSME ûkuºkLkwt rÄhký :

{kR¢ku ¢urzx-{rn÷k MkþÂõíkfhý :

ykÃkýk Ëuþ{kt MSME ûkuºkLke hkusøkkhe ðÄkhðkLke ûk{íkkLku

æÞkLk{kt ÷R, yk ûkuºkLkk rðfkMk {kxu rÄhký ð]ÂæÄLku Mkhfkh

yLku rhÍðo çkUf îkhk yrøkú{íkk ykÃkðk{kt ykðu Au. ykÃkýe

çkUf Ãký yk ûkuºk{kt ðÄwLku ðÄw rÄhký ÚkkÞ íku {kxu þõÞ çkÄk

s «ÞkMk fhu Au. ykÃkýe ½ýe þk¾kyku ykiãkurøkf rðMíkkhku{kt

ykðu÷e Au, su MSME yuf{kuLku rÄhký ykÃku Au.

yu{.yuMk.yu{.R. ûkuºk{kt rÄhkýLku «kÄkLÞ ykÃkðk {kxu çkUfu

fÕMxh ykÄkrhík ÞkusLkkyku çkLkkðu÷ Au. su{ fu xuûkxkR÷

fÕMxh, r«Lxªøk fÕMxh, yuøkúku ykÄkrhík fÕMxh, fkuxLk

SLkªøk fÕMxh ðøkuhu. íkk.31-3-2020Lkk hkus yk ûkuºkku{kt

çkUfLkwt fw÷ rÄhký Y>.1,722/- fhkuz MkwÄe ÃknkUåÞwt Au.

yu{.yuMk.yu{.R. (MSME) zuð÷Ãk{uLx yuõx 2006Lkk

y{÷Lkk 14 ð»ko ÃkAe fuLÿeÞ furçkLkuxu yu{yuMkyu{RLke

ÔÞkÏÞk{kt MkwÄkhkLku {tsqhe ykÃke Au íku yLðÞu Lkðe ÔÞkÏÞk

{wsçk {kR¢ku {uLÞwVuõ[hªøk yLku MkŠðMkeMk yuf{ íkhefu

{kLÞíkk {u¤ððkLke hf{ Y>.1 fhkuzLkwt hkufký yLku Y>.5

fhkuzLkwt xLkoykuðh yuðk {kÃkËtzku Lk¬e fÞko Au. M{ku÷ ÞwrLkx

Lk¬e fhðkLkk {kÃkËtzLke hf{ ðÄkheLku Y>.10 fhkuzLkwt hkufký

yLku Y>.50 fhkuzLkwt xLkoykuðh fhu÷ Au íkus heíku {ezeÞ{

ÞwrLkxLkk {kÃkËtzLke hf{{kt ðÄkhku fhe Y>.50 fhkuzLkwt hkufký

yLku Y>.250 fhkuzLkwt xLkoykuðh fhu÷ Au.

yk ûkuºk{kt rÄhký ð]ÂæÄ ÚkkÞ íku {kxu Mk½Lk «ÞíLkku fhðk{kt

ykðu Au yLku þk¾kyku{kt fMx{h {exªøkLkwt ykÞkusLk fhðk{kt

ykðu Au yLku yk{ktÚke su Mkq[Lkku {¤u íkuLkku yÇÞkMk fhðk{kt

ykðu Au yLku íÞkhçkkË íkuLkku ÞkuøÞ y{÷ fhðk{kt ykðu Au.

ðÄw{kt sýkððkLkwt fu ykÃkýe çkUfLkwt Lkk{ CGTMSE {kt {uBçkh

÷u®Lzøk RLMxexâwx (MLI) íkhefu LkkUÄkÞu÷ Au. Võík Ãkkt[

UCBs yu{.yu÷.ykR. (MLI) íkhefu hSMxzo Au su{ktLke yuf

ykÃkýe çkUf Au.

¼khík MkhfkhLke hk»xÙeÞ Lkerík yLku rhÍðo çkUf ykuV

RÂLzÞkLkk {køkoËþoLk «{kýu ykÃkýe çkUf {rn÷kykuLku {kR¢ku

¢urzx {kxu W¥kusLk ykÃke hne Au. çkUfLkk yLÞ rÄhkýkuLke su{

ykðk {kR¢ku ¢urzxLkk rÄhkýLku ðuøk ykÃkðk íkÚkk íkuLkk

ÃkæÄríkMkh ykÞkusLk yLku MkwÃkhrðÍLk {kxu çkUf{kt y÷øk

zeðeÍLk W¼wt fhðk{kt ykÔÞwt Au. {kR¢ku ¢urzxLkk {wÏÞ

÷k¼kÚkeoyku {rn÷kyku Au. ykðk rÄhkýLke MknkÞÚke hkusøkkhe

14


{u¤ðe íku{Lkk ÃkrhðkhLku MknkÞYÃk çkLku Au. ykðk rÄhkýÚke

{rn÷kykuLke ykŠÚkf ÂMÚkrík {sçkqík çkLke hne Au. yLku

íku{Lkk{kt çkU®føk ÔÞðnkhkuLke Mk{s Ãký ykððk ÷køke Au.

çkUfLkk yk «ÞkMkkuÚke {rn÷k MkþÂõíkfhý «ð]r¥kLku ðuøk {¤e

hÌkku Au. çkUfu ð»ko 2019-20 Ëhr{ÞkLk yuftËhu 2318

{rn÷kykuLku Y>.6.87 fhkuzLkwt rÄhký fÞwO Au.

yk fk{fks{kt hkufkÞu÷k çkUfLkk yrÄfkheyku f{o[kheyku

yLku rVÕzðfoh çknuLkkuLku çkkuzo yr¼LktËLk ykÃku Au.

Mk{økú ¼khíkLkku çkU®føk Wãkuøk ðÄíke síke LkkuLk ÃkhVku{eOøk

yuMkuxTMkLke Mk{MÞkLkku íkeðú Mkk{Lkku fhe hÌkku Au. ð»ko 2019-20

Lkk ytíku ykÃkýe çkUfLke økúkuMk NPA Y>.75.41 fhkuz hne Au. su

fw÷ rÄhkýLkk {kºk 1.53% Au. NPA Lke yk hf{{kt ykÃkýe

çkUf{kt {so ÚkÞu÷e çkUfkuLke NPA Lkku Ãký Mk{kðuþ ÚkkÞ Au.

ykÃkýe çkUf îkhk Y>.76.16 fhkuzLke hefðhe ð»ko Ëhr{ÞkLk

fhðk{kt ykðe, Ãkrhýk{u økúkuMk NPA Y>.137.59 fhkuz (ð»ko

2018-19) Úke ½xeLku ð»ko 2019-20Lkk ytíku Y>.75.41 fhkuz

ÚkÞu÷ Au su xfkðkheLke árüyu NPA rÄhký 2.94% Úke ½xeLku

{kºk 1.53% Au.

çkUfLkkt MxkLzzo rÄhký íku{s yuLk.Ãke.yu. rÄhký Mkk{u, rhÍðo

çkUfLkk rLkÞ{kLkwMkkh, Y>.94.16 fhkuzLke òuøkðkR fhðkLke

sYh Au. suLke Mkk{u ykÃkýe çkUf îkhk Y>.206.19 fhkuzLke

òuøkðkR fhðk{kt ykðu÷e nkuðkÚke, çkUfLke Lkux yuLk.Ãke.yu.

yøkkWLkk ½ýkt ð»kkuoLke su{ þqLÞ xfkyu s¤ðkR hÌkk Au. òu

fu, COVID-19 Lke ¢urzx ÃkkuxoVkur÷Þku Ãkh rðÃkheík yMkh ÚkR

þfu Au yLku þõÞ Au fu ykøkk{e LkkýktfeÞ ð»ko Ëhr{ÞkLk

NPA ðÄe þfu Au.

çkUf{kt yuLk.Ãke.yu. ÚkÞu÷ ¾kíkkyku ÃkifeLkk fw÷ 104

¾kíkkyku{kt, ð»ko Ëhr{ÞkLk ðMkq÷kíkLke Mk{økú «r¢Þk Ãkqhe fÞko

çkkË, {wÆ÷, Lknª WÄkhu÷ ÔÞks, ËtzLkeÞ ÔÞks íkÚkk yLÞ

¾[koyku{kt hkník ykÃke, yk ík{k{ ¾kíkkyku {ktze ðk¤ðkLkwt

íkÚkk fw÷ yuf ¾kíkk{kt, [kso ykuV fhðkLkwt çkUfLkk çkkuzo ykuV

rzhuõxMkuo XhkÔÞwt Au. yk ¾kíkkyku Ãkife 36 ¾kíkkyku{kt, {ktze

ðk¤ðkLke hf{{kt Y>.38.03 ÷k¾Lke {wÆ÷ hf{Lkku Ãký

Mk{kðuþ ÚkkÞ Au. õ÷eLkªøk ykuV çku÷uLMkþexLkkt nuíkwÚke

ðMkw÷kíkLke fkÞoðkne [k÷w hk¾ðkLke þhíku, 25 ¾kíkkyku{kt fw÷

LkkuLk ÃkhVku{eOøk yuMkuxTMk (NPA) økúkuMk yuLk.Ãke.yu. 1.53% Lkux yuLk.Ãke.yu. 0.00% :

Y>. 4.11 fhkuzLke hf{ «wzuLþeÞ÷ hkRx ykuV ¾kíku ÷R

sðk{kt ykðu÷ Au. çkkuzo ykuV rzhuõxMkoLku {¤u÷e Mk¥kkLke Yyu,

çkkuzuo yk rLkýoÞ fÞkuo Au, suLku çknk÷e ykÃkðk çkkuzo yk Mk¼kLku

rðLktíke fhu Au. ð»ko 2020-21 Ëhr{ÞkLk Ãký ykðkt ¾kíkkykuLku

{ktzðk¤ fhðk çkkuzo ykuV rzhuõxMkoLku Mk¥kk ykÃkðk çkkuzo ykuV

rzhuõxMko yk Mk¼kLku ¼÷k{ý fhu Au suLku {tsqhe ykÃkðk

rðLktíke Au.

çkUf{kt yuLk.Ãke.yu. ÚkÞu÷k fux÷kf ¾kíkkyku{kt ðMkq÷kíkLke

rçk÷fw÷ þõÞíkk Lk ÷køkíkkt, ¼qíkfk¤{kt Ëh ð»kuo Úkkuzkf ¾kíkkt,

ðkŠ»kf MkkÄkhý Mk¼kLke {tsqheÚke «wzuLþeÞ÷e hkRx ykuV

fhðk{kt ykðíkk níkkt. yk heíku hkRx ykuV fhu÷k ík{k{

¾kíkkykuLku, MkkÄkhý Mk¼kLke {tsqhe ÷RLku, ð»ko 2013-14 Lkk

ytíku ¾hu¾h hkRx ykuV fhe Ëuðk{kt ykÔÞkt níkk. Ãkhtíkw ykðk

¾kíkkyku{kt ðMkq÷kíkLke yøkkWLke su{ «r¢Þk [k÷w hk¾ðk{kt

ykðe Au. suLku Ãkrhýk{u ð»ko 2019-20 Ëhr{ÞkLk Y>.14.02

÷k¾Lke ðMkq÷kík fhðk{kt ykðe Au. çkUfLkk rhfðhe rð¼køkLke

yk fk{økeheLku çkkuzo ÄLÞðkË ykÃku Au.

ykÃkýe çkUf{kt fkuR Ãký rzhuõxhLku fu rhÍðo çkUf ykuV RÂLzÞk

îkhk ÔÞkÏÞkrÞík íku{Lkkt Mkøkkt MktçktÄeLku, íku{ýu Ãkkuíku ykÃkýe

çkUf{kt {qfu÷ çkktÄe{wËíkLke ÚkkÃkýku Ãkh yÃkkíkk rÄhký rMkðkÞ

yLÞ fkuR Ãký «fkhLkwt rÄhký ykÃkðk{kt ykðíkwt LkÚke yLku íku

heíku çkUf îkhk rhÍðo çkUf ykuV RÂLzÞkLkk ykËuþLkwt [wMíkÃkýu

Ãkk÷Lk fhðk{kt ykðu Au.

ð»ko 2018-19 Lkk ytíku ykÃkýe çkUfLkkt fw÷ hkufký

Y>.3239.54 fhkuz níkkt, su ð»ko 2019-20 Lkk ytíku ðÄeLku

Y>.4280.10 fhkuz ÚkÞkt Au. yk hkufkýku{kt SLR fuxuøkheLkkt

Y>.2052.60 fhkuzLkkt, Non SLR fuxuøkheLkkt Y>.689.27

fhkuzLkkt íkÚkk yLÞ çkUfku{kt {qfu÷e Y>.1341.23 fhkuzLke

ÚkkÃkýku Au. çkUf îkhk rhÍðo çkUf ykuV RÂLzÞkLkk fku÷

{Lke/TREPS, Non SLR yLku çkUf hkufkýLke {køkoËŠþfkLkwt

Ãkk÷Lk fhðk{kt ykðu Au. rhðMko huÃkku ÷uLzªøk Y>.197 fhkuzLkku

Mk{kðuþ ÚkkÞ Au. RBI {ktÚke LTRO îkhk ykÃkýe çkUfLkwt

çkkuhku$øk Y>.148 fhkuz Au. çkUfLkwt RLðuMx{uLx zu«eMkeyuþLk

rhÍðo Y>.27 fhkuz Au íkÚkk RLðuMx{uLx ^÷õåÞwyuþLk rhÍðo

(IFR) Y>.39.68 fhkuz Au; su hkufký Mkk{uLkk Mkt¼rðík

hkRx ykuV fhu÷kt ¾kíkkyku{kt rhfðhe ytøku :

çkUfLkk rzhuõxMkoLku rÄhký :

hkufkýku : Y>.4280.10 fhkuz

15

òu¾{kuLkku Mkk{Lkku fhðk Ãkqhíkwt Au. çkUfLkwt LkkuLk ÃkhVku{eOøk Non-

SLR hkufký þqLÞ Au.

çkUfLku hkufký WÃkh Mkhuhkþ Y>.7.80% Lkwt ð¤íkh {¤u÷ Au.

yk ð»kuo økð{uoLx rMkõÞkuhexeÍLkk ¾heË-ðu[ký îkhk çkUfu

Y>.8.15 fhkuzLkku LkVku fhu÷ Au. çkUfLkk ík{k{ hkufký ¾qçk s

Mk÷k{ík hnu íku {kxu çkUf îkhk sYhe fk¤S ÷uðk{kt ykðu Au

yLku rhÍðo çkUfLkk rËþk rLkËuoþkuLkwt MktÃkqýo Ãkk÷Lk fhðk{kt ykðu

Au.

ðíko{kLk Mk{Þ{kt, çkU®føk fk{fks «ýkr÷fkyku{kt ¾qçk s

ÍzÃkÚke ÃkrhðíkoLk ÚkR hÌkwt Au. rhÍðo çkUf ykuV RÂLzÞk îkhk

Ãký çkUfkuLku íku{Lke hkusçkhkusLke fk{økehe{kt ½ýe s MðkÞ¥kíkk

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ðÄe økR Au. çkUfkuLku {wÏÞíðu Ãkrh[k÷Lk òu¾{ (ykuÃkhuþLk

heMf), rÄhkýLkwt òu¾{ (¢uzex heMf) íku{s çkòhLkk òu¾{

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Mkk{Lkku fhðk ykÃkýe çkUf îkhk ík{k{ sYhe ÔÞðMÚkk fhðk{kt

ykðe Au. çkòhLkk òu¾{Lkku yÇÞkMk fhe Mk{ÞMkh rLkýoÞ

÷uðk, çkUf{kt RLðuMx{uLx fr{rxLke h[Lkk fhkR Au, su

Mk{Þktíkhu {¤e ÞkuøÞ rLkýoÞku ÷u Au. rÄhký ytøkuLkk òu¾{kuLku

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Au. ykÃkýe çkUf VkuhuLk yuõMk[uLsLkwt fk{fks fhðk yu.ze.

fuxuøkhe-1 «fkhLkwt ÷kÞMkLMk Ähkðíke nkuðkÚke, fLxÙe rhMfLkku

Ãký Mkk{Lkku fhðku Ãkzu Au. yk ytøku çkkuzuo fLxÙe heMf yLku

«kR{ / LkkuLk «kR{ çkUf ËeX yuõMÃkkuÍh ÷e{exMkT Lk¬e fhu÷

Au. suLku Mk{Þktíkhu heÔÞw fhðk{kt ykðu Au.

çkU®føk ûkuºku xufLkku÷kuS yLku zeSx÷ [uLk÷kuLkk ðÄíkk síkk

ðÃkhkþLku fkhýu Cyber Frauds ðæÞk Au. yk MktË¼o{kt Cyber

Mkwhûkk ðÄkhðkLkk nuíkwÚke RBI îkhk yçkoLk fku.ykuÃk. çkUfku {kxu

fkuB«enuÂLMkð MkkÞçkh Mkwhûkk ytøkuLkku ÃkrhÃkºk çknkh Ãkkzu÷ Au.

MkËhnwt £u{ðfo Lku yuf økúuzuz yr¼øk{ Ãkh ½zðk{kt ykðu÷ Au

yLku [qfðýe rMkMx{Lke rzrsx÷ ôzkR yLku yufçkeò MkkÚku

Mktf¤kÞu÷e ÃkæÄrík suðk [kh Míkhku{kt ðøkeof]ík fhðk{kt ykðu÷

Au. yk MktË¼o{kt ykÃkýe çkUfu fux÷kf ðneðxe íkÚkk ftxÙku÷

{kxuLkk yLku rLkÞtºkýkuLku y{÷{kt {qfðk {kxuLkk íkÚkk MkkÞçkh

òu¾{ «çktÄLk :- (heMf {uLkus{uLx)

nw{÷kÚke çk[ðk {kxuLkk ík{k{ Ãkøk÷kt ÷uðkLkk [k÷w fhe ËeÄkt

Au. yk ytøku ykÃkýe çkUf Email/SMS îkhk økúknfkuLku Mkíkík

{krníke íkÚkk {køkoËþoLk ÃkwÁ Ãkkzu Au. çkUf Ëhuf MkÇÞLku yk

{køkoËþoLk yLkwYÃk fkÞo fhðkLke rðLktíke fhu Au.

çkUf{kt r÷õðezexeLkwt òu¾{ W¼wt Lk ÚkkÞ yu {kxu yuMkux

÷kÞurçk÷exe fr{rx Mk{Þktíkhu {¤u Au íkÚkk rhÍðo çkUfLku yk

ytøkuLkkt Ãkºkfku Mk{ÞMkh {kuf÷kÞ íkuLkwt æÞkLk hk¾ðk{kt ykðu Au.

yuMkyu÷ykh/MkeykhykhLke ò¤ðýe{kt rðûkuÃk Lk Ãkzu yuLke

r[ðx hk¾ðk{kt ykðu Au. çkUf îkhk yuMkyu÷ykh /

MkeykhykhLke ò¤ðýe{kt õÞkhuÞ Ãký [qf fhðk{kt ykðe

LkÚke.

yk{ rhMf {uLkus{uLxLkk {níðLku æÞkLk{kt hk¾eLku ykÃkýe çkUf

¾qçk s Mk{sÃkqðofLke ÃkæÄríkyku yLku «r¢ÞkykuLkwt Ãkk÷Lk fhe

hne Au yLku fkÞo «ýk÷eykuLku Mk{Þktíkhu {sçkqík Ãký çkLkkðe

hne Au.

y{Lku sýkðíkkt ykLktË ÚkkÞ Au fu ð»ko 2018-19 Lkk ytíku

çkUfLke fw÷ ykðf Y>.713.61 fhkuz níke, su 2019-20 Lkk

ytíku ðÄeLku Y>.854.58 fhkuzu ÃknkU[e Au. yk ykðf{ktÚke fw÷

¾[o, òuøkðkRyku yLku ykðfðuhkLke hf{ çkkË fhíkkt, [kuÏ¾ku

LkVku Y>. 128.50 fhkuzu ÃknkUåÞku Au, su økík ð»kuo Y>.122.72

fhkuz níkku. çkUfLkk fkÞoûk{ ðneðxLku fkhýu çkUfLkku LkVku

W¥khku¥kh ðÄe hÌkku Au, suLkkÚke çkUfLkkt yLkk{ík ¼tzku¤{kt

ðÄkhku ÚkR hÌkku Au yLku yu heíku çkUfLke MkæÄhíkk{kt Ãký

ðÄkhku ÚkR hÌkku Au. çkUfLkk ÃkuxkfkÞËkykuLke òuøkðkRyku «{kýu

çkUfLkwt çkkuzo yk LkVkLke Vk¤ðýe fhðk Lke[u «{kýu ¼÷k{ý

fhu Au, suLku {tsqh hk¾ðk yk Mk¼kLku çkkuzo rðLktíke fhu Au.

LkVkLke Vk¤ðýe yLku rzrðzLz :

fw÷ ykðf : Y>.854.58 fhkuz

[kuÏ¾ku LkVku : Y>.128.50 fhkuz

rzrðzLz : 15% (Mkqr[ík)

16


çkutfLkk çkkuzo ykuV rzhuõxMkuo rhÍoð çkUf ykuV RÂLzÞkLke {tswheLku ykrÄLk ð»ko 2019-20 {kxu 15% rzrðzLzLke ¼÷k{ý fhe Au, suLku {tsqhe ykÃkðk yk Mk¼kLku rðLktíke Au.

÷ûÞktfkuLke Mk{eûkk íkÚkk ð»ko 2020-21 Lkwt çksux

RBI Lkk ÃkrhÃkºk ¢{ktf : RBI/2019-20/218/ze.yku.ykh.Ãke.

çke.Mke.Lkt.64/21.02.67/2019-20 íkkhe¾ : 17-04-2020 Úke

¼khíkLke ík{k{ çkUfkuLku Mk÷kn ykÃke Au fu COVID-19 ™u fkhýu

WËT¼ðu÷ yrLkrùíkíkkLku fkhýu LkwfþkLkLku ¾{e þfðk {kxu

íkÚkk íku{Lke {qzeLku hûký ykÃkðk yLku yÚkoíktºkLku xufku ykÃkðk

{kxuLke íku{Lke ûk{íkk ò¤ðe hk¾ðk {kxu çkUfku çkeS Mkq[Lkk

{¤u íÞkt MkwÄe 31 {k[o 2020Lkk hkus Ãkqhk ÚkÞu÷k LkkýktfeÞ

ð»koLkk LkVk{ktÚke rzrðzLzLke [qfðýe fhþu Lknª. òu fu, yk

«ríkçktÄLke rhÍðo çkUf îkhk 30 MkÃxuBçkh, 2020Lkk Ãkrhýk{kuLku

ykÄkhu ÃkwLk:Mk{eûkk fhðk{kt ykðþu yLku ykÃkýe çkUf íku

«{kýu rzrðzLz ykÃkþu.

rhÍðo çkUf ykuV RÂLzÞk îkhk ð»ko 2019-20 {kxu rzrðzLz

rðíkhýLke {tsqhe ykÃkðk{kt Lk ykðu íkku íkuðk Mktòuøkku{kt MkËhnw

rzrðzLzLke hf{ çkUfLkwt çkkuzo ykuV rzhuõxMko MkðkoLkw{íku Xhkðu

íku {wsçk MxuåÞwxhe rhÍðo / BDDR / IDR / IFR rhÍðo{kt

íkçkËe÷ fhðk{kt ykðþu.

çkUf îkhk Ëh ð»kuo, ð»koLke þYykík{kt s ykøk¤Lkk ð»kuo

yÃkkÞu÷kt ÷ûÞktfkuLke Mkh¾k{ýeyu rMkæÄ fhu÷kt ÷ûÞktfkuLke

Mk{eûkk fhðk íkÚkk [k÷w ð»ko {kxuLkkt Lkðkt ÷ûÞktfku ykÃkðk

MktçktrÄík f{o[kheyku MkkÚku [[ko fhðk{kt ykðu Au. ð»koLke

þYykík{kt s yk fk{økehe Úkíke nkuðkÚke f{o[kheykuLku

ykÞkusLk fhðk{kt Mkh¤íkk hnu Au. MkkÚku MkkÚku, su þk¾kykuyu

÷ûÞktfkuLke «kró MktçktÄe Mkkhe fk{økehe fhe nkuÞ íku{Lku

rçkhËkððk{kt Ãký ykðu Au ð»ko 2019-20 Ëhr{ÞkLk çkUfu

{kuxk¼køkLkk ík{k{ ÷ûÞktf Mkkhe heíku rMkØ fÞkO Au, suLkku Þþ

çkUfLkk Mkðuo f{o[kheyku, çkkuzo ykuV rzhuõxMkoLkk MkÇÞku, þk¾k

rðfkMk Mkr{ríkykuLkk r¢Þkþe÷ MkÇÞku yLku økúknfku,

þw¼uåAfkuLku òÞ Au.

ð»ko 2019-20 {kxu rLkÄkorhík ÷ûÞktfkuLke Mkk{u ÚkÞu÷e fk{økehe

íkÚkk ð»ko 2020-21 Lkk çksuxLke {krníke Mk¼kMkËkuLke òý MkkY

hsq fheyu Aeyu suLku {tsqh fhðk yk Mk¼kLku rðLktíke Au.

17

52.62%

8.56%

8.16%

6.12%

9.50%

15.04%

Income Distribution 2019-20

Income Distribution 2019-20

Interest on Deposits & Borrowings 449.72

Establishment Exp. 73.12

Other Administrative Exp. 69.77

Others 52.27

Provisions 81.20

Net Profit 128.50

Total 854.58

Total Income Rs. 854.58 Crores

(Rs. in Crore)

y.Lkt. rðøkík hf{ Y>.

[kuÏ¾ku LkVku fw÷ : 1,28,50,28,733.62

1. rhÍðo Vtz (25%) 32,12,57,183.41

2. rþûký Vk¤ku 1,28,50,287.34

3. yLkVkuhMkeLk ÷kuMkeMk Vtz 12,85,02,873.36

4. rzrðzLz (15%) 13,50,94,187.98

5. {fkLk Vtz 25,70,05,746.72

6. Ä{koËk Vtz 2,57,00,574.67

7. RLðuMx{uLx ^÷õ[wyuþLk Vtz 32,12,57,183.41

8. rhÍðo Vtz 8,33,60,696.73

çkkuzo ykuV {uLkus{uLx :

fkuÃkkuohux f{ fku-ykuÃkhuxeð økðLkoLMk :

rhÍðo çkUfLkk íkk.31-12-2019Lkk LkkuxeVefuþLk ytíkøkoík çkkuzo ykuV {uLkus{uLxLke {køkoËŠþfk {wsçk su yçkoLk fku-ykuÃkhuxeð çkUf (UCB) Lke zeÃkkuÍex Y>.100/- fhkuzÚke ðÄkhu nkuÞ yLku íkuyku íku{Lkwt fkÞoûkuºk rðMík]ík fhðk {køkíkk nkuÞ íkuðe çkUfkuyu VhrsÞkík Ãkýu çkkuzo ykuV {uLkus{uLxLke h[Lkk fhðkLke hnuþu.

yk ytøku çkUfLkk Ãkuxk fkÞËk{kt MkwÄkhku fhðk{kt ykÔÞku Au yLku çkkuzo ykuV {uLkus{uLxLke h[LkkLke «r¢Þk þY fhðk{kt ykðu÷ Au.

çkUfLke MÚkkÃkLkkÚke çkUfLkk ðneðx{kt MknfkrhíkkLkkt {q¤¼qík {qÕÞkuLkk síkLkLku yøkúíkk ykÃkðk{kt ykðu Au. ykÃkýe çkUf ðneðx{kt fkuÃkkuohux økðLkoLMkLku «kÄkLÞ íkku ykÃku s Au, MkkÚku MkkÚku fku. ykuÃkhuxeð {qÕÞkuLku Ãký yux÷wt s {níð ykÃku Au yLku Lkçk¤e fu {ktËe fku.ykuÃkhuxeð çkUfkuLkwt rð÷eLkefhý fheLku íkuLkk Mk¼kMkËku yLku økúknfkuLku hûký ykÃku Au. MkLku 1991 Úke MkLku 2019-2020 MkwÄe{kt ykX fku-ykuÃk. çkUfkuLkwt ykÃkýe çkUf MkkÚku rð÷eLkefhý ÚkÞu÷ Au. çkUfLkwt çkkuzo ykuV rzhuõxMko, Mk{ks yLku þuh nkuÕzMko «íÞuLke sðkçkËkhe Mk{SLku, rLkýoÞku{kt ÃkkhËŠþíkk ò¤ðeLku, íku{s rhÍðo çkUf îkhk yÃkkÞu÷k Mkq[LkkuLkwt ©uc heíku Ãkk÷Lk fhu Au.

rhÍðo çkUfLke Mkq[Lkk yLkwMkkh çkUfLkk çkkuzo{kt çku «kuVuþLk÷ rzhuõxMko Ãký ÃkkuíkkLke Mkuðkyku ykÃku Au. çkkuzo ykuV rzhuõxMkoLke r{®xøkku rLkÞr{ík {¤u Au, su{kt {kuxk ¼køkLkk MkÇÞku nksh hnu Au yLku h[Lkkí{f Mkq[Lkku ykÃku Au. çkkuzo îkhk h[kÞu÷e rðrðÄ fr{rxLke {exªøkku Ãký sYrhÞkík «{kýu {¤u Au, yLku çkkuzo ykuV rzhuõxMkoLku {køkoËþoLk ÃkwÁ Ãkkzu Au. çkUfLkk çkkuzo{kt sYh sýkÞ íÞkhu yk{trºkíkkuLke MkuðkLkku ÷k¼ rLkÞ{kLkwMkkh ÷uðkÞ Au.

ykÃkýe çkUf ykuÚkkuhkRÍTz rz÷h fuxuøkhe-1 Lkwt fkÞ{e ÷kÞMkLMk Ähkðíke økwshkíkLke «Úk{ Mknfkhe çkUf Au. çkUfu yktíkhhk»xÙeÞ fkhkuçkkh{kt ð»ko Ëhr{ÞkLk Y>.12,885/- fhkuzLkwt xLko ykuðh fÞwO Au. çkUf îkhk yktíkhhk»xÙeÞ fkhkuçkkh MktçktÄe ík{k{ fk{økehe fhðk{kt ykðu Au. ykÃkýe çkUf îkhk ÷uðkíkk MkuðkfeÞ [kSoMk ¾qçk s {kVfMkhLkk Au. çkUf y{urhfLk zku÷h WÃkhktík økúux rçkúxLk ÃkkWLz, Þwhku, fuLkuzeÞLk zku÷h íku{s òÃkkLkeÍ ÞuLk yu{ {wÏÞíðu Ãkkt[ fhLMke{kt fk{ fhu Au.

yktíkhhk»xÙeÞ çkU®føk rð¼køk îkhk yuõMkÃkkuxMko yLku RBÃkkuxMkoLku ÷økíke çkÄe s Mkuðkyku ykÃkðk{kt ykðu Au. yuõMkÃkkuxMko {kxu yuõMkÃkkuxo Ãkufªøk ¢uzex, VkuhuLk çke÷ f÷uõþLk, VkuhuLk çke÷

yktíkhhk»xÙeÞ çkU®føk rð¼køk :

y.Lkt. rðøkík ð»ko 2019-20 ð»ko 2019-20 Lkk ð»ko 2020-21LkwtLkwt çksux (÷ûÞktf) ÷ûÞktf Mkk{u rMkÂæÄ çksux (÷ûÞktf)

1. þuh {qze 95 94.45 95

2. yLkk{ík íkÚkk yLÞ ¼tzku¤ 1325 1351.95 1450

3. ÚkkÃkýku 7400 7837.03 8000su{ktÚke [k÷w / çk[ík ¾kíkkLke ÚkkÃkýku 2200 2375.20 2500

4. hkufkýku-yLÞ çkUfku{kt 3600 4280.10 4500{qfu÷e ÚkkÃkýku Mkrník

5. rÄhký 5100 4918.24 5000

6. fkÞofkhe {qze 9000 9890.42 10600

7. fw÷ ykðf 800 854.58 813.70

8. fw÷ ¾[o 580 644.87 603.20

9. fkÞofkhe LkVku 220 209.71 210.50

10. [kuÏ¾ku LkVku 125 128.50 135.00

11. yuLk.Ãke.yu. rhfðhe 81 76 50

÷ûÞktfkuLke Mk{eûkk íkÚkk ð»ko 2020-21 Lkwt çksux (÷ûÞktf) (Yk. fhkuz{kt)

18


Ãkh[uÍ/zeMfkWLxªøk/LkuøkkuþeyuþLk RíÞkrË Mkuðkyku ¾qçk s ykf»kof ÔÞks Ëhu ykÃkðk{kt ykðu Au.

RBÃkkuxMko {kxu VkuhuLk ÷uxh ykuV ¢uzex (FLC), çkkÞMkoo ¢uzex/MkÃ÷kÞMko ¢uzex, VkuhuLk çkUf økuhtxe, Vkuhðzo fkuLxÙkõx ðøkuhu MkwrðÄkyku WÃk÷çÄ Au. çkUfLkwt VkuhuõMk rzÃkkxo{uLx

ykÄwrLkf hkRxMko/xefMko/CCIL suðe Mkuðkyku ðkÃkhu Au yLku rz÷ªøkY{ Ãký y{ËkðkË þnuh{kt WÃk÷çÄ Au. çkUf zkÞhuõx SWIFT System Úke RLxhLkuþLk÷ Ãku{uLxMk Ãkwhk Ãkkzu Au yLku RLxhLkuþLk÷ çkUf rzhuõxhe{kt Ãký ykÃkýe çkUfLkk Lkk{Lkku

Mk{kðuþ fhðk{kt ykðu÷ Au. ykÃkýe çkUf îkhk SWIFT System Lke fk{økehe ¾qçk s fkÞoûk{ heíku fhðk{kt ykðu Au su yr¼LktËLkeÞ Au. yktíkhhk»xÙeÞ ÔÞkÃkkh fhíkk Wãkuøkfkhku yLku xÙuzMkoLku çkUfLkk yk rzÃkkxo{uLxLke W¥k{ MkuðkLkku ÷k¼ ÷uðk rðLktíke Au.

rhÍðo çkUf ykuV RÂLzÞk îkhk ykÃkýe çkUfLku ð»ko 2017 Úke fhLMke [uMx ¾ku÷ðk {kxu {¤u÷e {tsqhe ytíkøkoík ykÃkýe çkUf{kt fhLMke [uMx fkÞohík ÚkÞu÷ Au. fhLMke [uMx þY ÚkðkÚke çkUfLku yLku økúknfkuLku fuþ {uLkus{uLx{kt MkwrðÄk WÃk÷çÄ ÚkR Au. íkËTWÃkhktík, çkUf (19) ykuøkýeMk LkkLke fku-ykuÃk çkUfkuLku íku{s M{ku÷ VkÞLkkLMk çkUfkuLku fuþ {uLkus{uLxLke MkwrðÄk Ãkqhe Ãkkzu Au.

çkU®føk ûkuºk{kt ðíko{kLk Mk{Þ íkeðú nrhVkRLkku Au, yux÷u çkUfkuyu LkVkLkwt ÔÞksçke Míkh ò¤ðe hk¾ðk, fkuh çkU®føk «ð]r¥kyku{ktÚke {¤íke ykðf WÃkhktík yLÞ çkU®føk Mkuðkyku{ktÚke Ãký Mkkhe yuðe ykðf {u¤ððe ¾qçk s sYhe Au. yk ykðf yux÷e nkuðe òuRyu fu íku{ktÚke çkUfLkku ðneðxe ¾[o Lkef¤u íku{ Aíkkt, ykÃkýu ½ýe çkÄe Mkuðkyku su{ fu ÷kRV RL~ÞkuhLMk, sLkh÷ RL~ÞkuhLMk, nuÕÚk RL~ÞkuhLMk, rz{ux yLku ASBA, MxuBÃk £ufªøk íkÚkk ÃkkLkfkzo ðøkuhu{ktÚke Mkkhku yuðku LkVku {u¤ðe þfeyu Aeyu. ykðe fux÷ef MkuðkykuLkku ykÃk Mkðuo ÷k¼ ÷ku yuðe y{khe rðLktíke Au.

ykÃkýe çkUf fkuÃkkuohux yLku hexuR÷ RLxhLkux çkU®føk MkwrðÄk rðLkk {qÕÞ ykÃku Au. ykÃkýe çkUfLke RLxhLkux çkU®føk MkwrðÄk MkeõÞkuzo yuLkðkÞh{uLx yLku ykR.xe MkeõÞwhexe ykurzx nuX¤ ykuçkÍðo fhðk{kt ykðu Au. RLxhLkux çkU®føk îkhk økúknfku RLxhLk÷ / yuõMkxhLk÷ Vtz xÙkLMkVh, Mxux{uLx ÔÞw / «eLxªøk, MxuxMk ykuV [uf, Lkðe [uf çkwf heõðuMx, VeõMk rzÃkkuÍex r¢yuþLk, çke÷ Ãku{uLx ðøkuhu MkwrðÄkykuLku ÃkkuíkkLkk MÚk¤u s ÷uÃkxkuÃk yÚkðk {kuçkkR÷Úke WÃkÞkuøk fhe þfu Au.

fhLMke [uMx :

Ãkuhk çkU®føk Mkuðkyku :

RLxhLkux çkU®føk :

çkUfLkk økúknfku yk MkuðkLkku {n¥k{ ÷k¼ ÷u íku RåALkeÞ Au. yk ð»koLkk ytík MkwÄe{kt 5988 fkuÃkkuohux økúknfku yLku 9519 hexuR÷ økúknfku yk MkuðkLkku ÷k¼ ÷R hÌkk Au. RLxhLkux çkU®føkLkku ÔÞkÃk

ðÄkhðk yk MkwrðÄk îkhk RTGS íkÚkk NEFT Vtz xÙkLMkVh fhðk{kt ykðu íkku fkuR Ãký òíkLkk [kSoMk ÷uðk{kt ykðíkk LkÚke; íkuÚke yk MkuðkLkku ÷k¼ økúknfku ðÄw ÷u yuðe rðLktíke Au.

[k÷w ð»ko ËhBÞkLk çkUfu NPCI Mkt÷øLk ÞwLkeVkRz Ãku{uLx RLxhVuMk (UPI) þYykík fhe Au. yk MkwrðÄk ytíkøkoík rðrðÄ Mkuðkyku

suðe fu MkuLz {Lke, rhõðuMx {Lke, ykuÚkkuhkRÍuþLk QR MfuLk îkhk {[oLx Ãku{uLx, ykRÃkeyku ðøkuhu Mkuðkyku Ãkwhe Ãkkzu Au. ð»kkOíku 13746 økúknfkuyu yk MkuðkLkku WÃkÞkuøk fhu÷ Au. {kuçkkR÷ çkU®føk Mkuðk{kt økúknfkuLkku ÔÞkÃk 9268 Úke ðÄeLku 47877 ÚkÞu÷ Au. Covid-19 {nk{kheLkk Mk{Þ{kt Mkk{kSf ytíkh ò¤ððk {kxu, çkUfLke yk MkuðkLkku ðÄwLku ðÄw økúknfku ÷k¼ ÷u íkuðe y{khe rðLktíke Au.

ykÃkýe çkUf çku «fkhLkk zurçkx fkzo ykuVh fhu Au. fk÷wÃkwh çkUf YÃku õ÷krMkf fkzo yLku fk÷wÃkwh çkUf YÃku Ã÷urxLk{ fkzo yk çktLku fkzo ¾qçk s LkSðe ðkŠ»kf Ve Ãkh WÃk÷çÄ Au yLku íkuLkku WÃkÞkuøk Võík ykÃkýe çkUfLkk yuxeyu{ Ãkh s Lkrn Ãkhtíkw ¼khík¼hLkk yLÞ çkUfkuLkk yuxeyu{ Ãkh Ãký ÚkR þfu Au. økúknfku R-fku{Mko xÙkLÍuõþLk fhðk {kxu fk÷wÃkwh çkUf zurçkx fkzoLkku WÃkÞkuøk fhe þfu Au yLku MkkÚku MkkÚku YÃku ÷kuøkku «ËŠþík fhíkk ¼khík¼hLkk ðuÃkkhe {Úkfku Ãkh ¾heËeLke MkwrðÄkLkku ykLktË ÷R þfu Au. çktLku fkzoLkku WÃkÞkuøk y{khe çkUfLkk yuxeyu{ Ãkh MktÃkqýo Ãkýu {Vík Au. økúknfkuLku ík{k{ rzr÷ðhe [uLk÷ku{kt zurçkx fkzoLkku {n¥k{ WÃkÞkuøk fhðk rðLktíke Au.

ykÃkýe çkUfLkkt 61 ATM fuLÿku fkÞohík Au su{kt Ãkkt[ ykuV MkkRx ATM Ãký Au. ykÃkýkt yuxeyu{ 24 f÷kf Mkwhûkk økkzo íkÚkk ðkíkkLkwfwr÷ík, MkkÞhLkLke MkwrðÄkÚke íku{s Mke.Mke.xe.ðe. fu{uhkLke MkøkðzÚke Mkwhrûkík Au. ykÃkýk ík{k{ ATM {kt nt{uþk økwýð¥kkÞwõík Lkkuxku WÃk÷çÄ nkuÞ Au. yLÞ çkUfLkk yu.xe.yu{. fkzo Ähkðíkk økúknfku ykÃkýe çkUfLkk yu.xe.yu{.Lke Mkkhe MkuðkLku fkhýu ½ýku ÷k¼ ÷u Au. ðÄw{kt 13 çkUfku MkkÚku RLxh ykuÃkhuþLk÷ fuþ VuMke÷exe yLðÞu ykÃkýe çkUfLkkt økúknfku yLÞ çkUfLkk yLku yLÞ çkUfkuLkk økúknfku ykÃkýe çkUfLkk fuþ rzÃkkuÍex {þeLk{kt hkufz s{k fhkðe þfu yuðe MkwrðÄk çku çkúkL[{kt su{fu Ãkt[ðxe íkÚkk Mkku÷k hkuz þk¾k, y{ËkðkË{kt Au. íkÚkk Passbook Kiosk

{þeLkÚke òíku s ÃkkMkçkwf «eLx fhe þfu íkuðe MkwrðÄk 36

{kuçkkR÷ çkU®føk :

zurçkx fkzo :

yu.xe.yu{. fuLÿku :

19

çkúkL[{kt WÃk÷çÄ Au. ykÃk Mkðuo yk MkwrðÄkLkku {n¥k{ ÷k¼ ÷ku íkuðe rðLktíke Au.

ykÄwrLkf çkU®føk Wãkuøk{kt çkUfkuLke þk¾kykuLkk yãíkLk MkwrðÄk Ähkðíkk {fkLkku (ÃkrhMkh){kt ÷kufhLkwt rðþu»k {níð Au. ykÃkýe çkUfLke 50 þk¾kyku{kt 75800 WÃkhktík ÷kufhLke MkwrðÄk WÃk÷çÄ Au. çkUfLkk ÷kufMko nku÷ ðkíkkLkwfwr÷ík Au íkÚkk íku{kt zÙuMkªøk Y{Lke MkwrðÄk Ãký Ãkwhe Ãkkzðk{kt ykðu Au. økúknfkuLke {ktøkýeLku æÞkLk{kt ÷R y{ku ðÄwLku ðÄw MkwrðÄkÞwõík ÷kufMkoLke ÔÞðMÚkk fhðk «ÞíLkþe÷ Aeyu. ykÃkýe çkUf îkhk ÷uðkíkwt ÷kufh ¼kzw ½ýwt s ÔÞksçke nkuðkÚke íku{s çkUfLkk ÷kufh nku÷ MkwrðÄkÞwõík nkuðkÚke, ðÄwLku ðÄw økúknfku yk MkuðkLkku ÷k¼ ÷u Au.

çkUfLkku rz{ux rð¼køk 1999 Úke fkÞohík Au. çkUfLke 58 þk¾kyku îkhk rz{ux Mkuðk yÃkkÞ Au. çkUfLke ík{k{ þk¾kyku

IPO/FPO {kt ¼hýwt ¼hðk ASBA Mkuðk ykÃku Au. ð»ko Ëhr{ÞkLk

çkUfu ASBA Mkuðk {kxu 63 IPO {kt 105173 yhSyku Mðefkhe

níke. çkUf îkhk økúknfkuLke MkwrðÄk {kxu ASBA îkhk IPO {kt yhS fhðk {kxu çkUfLke {kuçkkR÷ çkU®føk Application {kt Lkðe MkwrðÄk W¼e fhðk{kt ykðe Au. ðÄw{kt yk ð»koÚke ykðe

yhSyku UPI Lkk {kæÞ{Úke MðefkhðkLke MkwrðÄk çkUfu WÃk÷çÄ

fhe Au suLkkÚke økúknfu IPO Lke yhS íku{Lkk rMkLzefux çkúkufhLku {kuf÷e þfu Au. rz{ux ¾kíkkLkwt çku÷uLMk òýðk {kxu çkUfu Missed Call Lke VuMke÷exe WÃk÷çÄ fhkðu÷ Au.

çkUfLke ík{k{ þk¾kyku{kt RLf{xuûk Ãkh{uLkLx yufkWLx Lktçkh (PAN) ytøkuLke yhSyku Mðefkhðk{kt ykðu Au. çkUf îkhk yËkýe økuMk rçk÷ f÷uõþLkLke Mkuðk Ãký yÃkkÞ Au. [k÷w ð»ko ËhBÞkLk çkUfu 600 Úke ðÄkhu ÃkkLk fkzoLke yhS «kuMkuMk fhe Au íkÚkk yËkýe økuMk çke÷ Ãku{uLx{kt 32700 Úke ðÄkhu çke÷Lke [qfðýe yufrºkík fhe Au.

ykÃkýe çkUfLkk ¾kíkuËkhku, rðrðÄ Mkhfkhe ðuhkyku Mkh¤íkkÚke ¼he þfu yu {kxu ykÃkýe çkUf yLÞ çkUfkuLkk MknÞkuøkÚke rLk:þwÕf MkwrðÄk Ãkqhe Ãkkzu Au. yk Mkuðk îkhk RLf{xuûk, xe.ze.yuMk., S.yuMk.xe., VAT, ESIC, EPFO, fMx{ zâwxe, r{÷fíkkuLkkt ðu[ký Ãkh xe.ze.yuMk. suðk ðuhkyku ¼hðkLke Mkøkðz Au. {kuxe MktÏÞk{kt çkUfLkk økúknfku yk MkuðkLkku ÷k¼ ÷u Au.

÷kufh Mkuðk :

rz{ux / ASBA Mkuðk :

ÃkkLkfkzo / økuMk rçk÷ f÷uõþLk Mkuðk :

E-Tax Mkuðk :

MxuBÃk £u®føk Mkuðk :

yLÞ Mkuðkyku :

Mkk{kSf W¥khËkrÞíð :

hõíkËkLk «ð]r¥k :

çkUfLke 52 þk¾kyku îkhk MxuBÃk £u®føk Mkuðk Mktíkku»kfkhf heíku ykÃkðk{kt ykðu Au. çkUfLke þk¾kyku îkhk LkkLke hf{Úke {ktze {kuxe hf{ MkwÄeLkk ík{k{ MxuBÃkLkwt £ufªøk fhe ykÃkðk{kt ykðu Au. Ëhuf þk¾k îkhk zkÞhuõx Mku÷ªøk yusLx (ze.yuMk.yu.) îkhk Ãký MxuBÃk £ufªøkLke MkwrðÄk Ãkwhe Ãkkzðk{kt ykðu Au yLku íkk.31-3-2020Lkk hkus çkUfu yuÃkkuRLx fhu÷k 309 ze.yuMk.yu. yusLx fkÞohík Au.

yk WÃkhktík çkUf îkhk yLÞ Mkuðkyku suðe fu xku÷£e Lktçkh, £e R-Mxux{uLx, £e yuMk.yu{.yuMk. yu÷xo, £e rz{ux Mxux{uLx ykuLk {kuçkkR÷, yufkWLx çku÷uLMk, yufkWLx Mxux{uLx, {eMz fku÷ MkŠðMk, SMS îkhk zurçkx fkzo Block Services ykÃkðk{kt ykðu Au.

çkU®føk «ð]r¥kLke MkkÚku, Mk{ks «íÞuLke sðkçkËkheLkk ¼køkYÃku çkUf îkhk yLkufrðÄ «ð]]]r¥kyku fhðk{kt ykðu Au, su{kt {kR¢ku VkÞLkkLMk, hõíkËkLk «ð]r¥k, Þkuøk rþrçkhku/nuÕÚk [uf yÃk fuBÃk/ Mkk{kSf/ykŠÚkf/þiûkrýf/ykhkuøÞ ûkuºku fk{ fhíke MktMÚkkykuLku ËkLk, íkusMðe rðãkÚkeoykuLku ÃkwhMfkh, rËðtøkík Mk¼kMkËkuLkk ykr©íkkuLku MknkÞ suðk rðrðÄ rËðMkkuLke Wsðýe suðe «ð]r¥kykuLkku Mk{kðuþ ÚkkÞ Au. Mkwðýo sÞtíke ð»koLke WsðýeLkk ¼køkYÃku ÃkÞkoðhý hûkýLke òøk]rík {kxu ykÃkýe çkUf îkhk 50,000 sux÷kt ð]ûkku ðkððkLkku rLkýoÞ ÷uðk{kt ykÔÞku Au yLku yksLke íkkhe¾u rðrðÄ MÚk¤kuyu ykþhu 22300 ð]ûkku ðkððk{kt ykÔÞk Au. çkUfLkk çkkuzo ykuV rzhuõxMkoLkk MkÇÞku ykðe «ð]r¥kyku{kt nkshe ykÃke «kuíMkknLk ykÃku Au.

çkUfLke yk MkuðkfeÞ «ð]r¥kyku{kt þk¾k rðfkMk Mkr{ríkLkk MkÇÞ©eyku, çkUfLkk yrÄfkhe©e [tÿðËLk þwõ÷ yLku þk¾k {uLkusMko íkÚkk MxkV ¾qçk s «þtMkLkeÞ fk{økehe fhu Au. økík ð»ko Ëhr{ÞkLk yk fk{økehe{kt çkUfLke 54 þk¾kykuyu ¾qçk s «þtMkLkeÞ fk{økehe fhe níke. çkUf{kt yk «ð]r¥kLku økríkþe÷ hk¾ðk hõíkËkLk fuBÃkku íkÚkk nuÕÚk [ufyÃk fuBÃkku Þkusðk{kt ykðu Au su{kt f{o[kheyku íkÚkk økúknfku W{¤fk¼uh MknÞkuøk ykÃku Au. çkUfu ð»ko Ëhr{ÞkLk hõíkËkLkLkk 80 rþrçkh ÞkuS, 6167 ÞwrLkx hõík yufXwt fÞOw níkwt, yLku nuÕÚk [uf yÃkLkk 33 nuÕÚk [ufyÃk rþrçkh ÞkuS níke su{kt 3853 ÔÞÂõíkykuyu ÷k¼ ÷eÄku níkku.

20


çkUf îkhk MkhfkhLke ðe{k ÞkusLkkykuLkwt y{÷efhý :

yx÷ ÃkuLþLk ÞkusLkk :

çkUf îkhk økúknfkuLku ðe{kLkku ÷k¼ :

rðï {rn÷krËLkLke Wsðýe :

çkUfu ykRykhzeyu ÃkkMkuÚke SðLkðe{k íkÚkk sLkh÷ RL~ÞkuhLMk {kxu fkuBÃkkuÍex fkuÃkkuohux yusLx íkhefu {tswhe {u¤ðu÷ Au yLku íku ytíkøkoík çkUfu ÷øk¼øk 1600 Ãkku÷eMke fuLkðkMk fhe Au yLku [kh SðLkðe{kLkk Ëkðkyku Ãký Mkux÷ fhu÷ Au. çkUfu sLkh÷ RL~ÞkuhLMk ðe{kLke 6450 Ãkku÷eMkeyku fuLkðkMk fhu÷ Au.

ònuh sLkíkkLkk ÷k¼kÚkuo ¼khík Mkhfkh îkhk ònuh fhkÞu÷e «ÄkLk{tºke Mkwhûkk ðe{k ÞkusLkk{kt (PMSBY) íkÚkk «ÄkLk{tºke SðLk ßÞkurík ðe{k ÞkusLkk{kt (PMJJBY) ykÃkýe çkUfu Mktíkku»kfkhf fkÞo fÞwO Au. PMSBY {kt íkÚkk PMJJBY {kt ykÃkýe çkufu 38000 økúknfkuLku ykðhe ÷eÄk Au. yk çktLku ÞkusLkkyku Lke[u fw÷ 10 Ëkðkyku ÚkÞk Au suLke Ãkíkkðx fhe Ëuðk{kt ykðe Au.

ð»ko ËhBÞkLk ykÃkýe çkUfu ¼khík Mkhfkh©eLke yk ÞkusLkk y{÷{kt {qfe Au. yk ÞkusLkkLkku çkUfLkk 114 økúknfkuyu ÷k¼ ÷eÄku Au. çkUfLkk Mk¼kMkËku yLku økúknfkuLku yk ÞkusLkkLkku ÷k¼ ÷uðk rðLktíke Au.

ykÃkýe çkUf îkhk çk[ík¾kíkw íkÚkk ÔÞÂõíkøkík [k÷w ¾kíkw Ähkðíkk økúknfkuLku y{qf þhíkkuLku ykrÄLk ÃkMkoLk÷ yuõMkezuLx ðe{kLkku ÷k¼ ykÃkðk{kt ykðu Au. ð»ko Ëhr{ÞkLk yk ÞkusLkk nuX¤ 3,80,000 økúknfkuLku ykðhe ÷uðk{kt ykÔÞk níkk yk ðe{k nuX¤ 16 Ëkðk ÚkÞk níkk. yk çkÄk s ËkðkykuLkk õ÷uR{ fhe Ëuðk{kt ykÔÞk Au yLku ÷k¼kÚkeoykuLku hf{ [qfðe Ëuðk{kt ykðe Au.

Mk{ks{kt {rn÷kykuLku rðrþü MÚkkLk yLku MkL{kLk «kó ÚkkÞ íku rð[khÄkhkLku æÞkLk{kt hk¾e, AuÕ÷k 6 ð»koÚke, çkUf îkhk rðï {rn÷k rËLkLke økkihð¼uh Wsðýe fhðk{kt ykðu Au. yk ð»kuo Ãký çkUf îkhk 8{e {k[o, 2020Lkk hkus rðï {rn÷k rËLkLke Wsðýe fhe níke. yk rËðMku çkUf îkhk yuf Mkur{Lkkh Þkusðk{kt ykÔÞku níkku. yk Mkur{Lkkh{kt çkUfu çku «ÏÞkík †e ðõíkkykuLku yk{trºkík fÞko níkk.

©e{íke yLkkh Ãkxu÷ fu suyku “økúk{©e VkWLzuþLk” Lkk MÚkkÃkf Au. íku{ýu íku{Lkk yLkw¼ðku fÌkk níkk yLku {rn÷k økúknfkuLku Mk{ks Mkuðk Ãkh æÞkLk furLÿík fhðk yLku yLÞ ÷kufku {kxu SðLk Sððk MktËuþ ykÃÞku níkku. ðÄw{kt íku{ýu sýkÔÞwt fu Mk{ksu su ykÃkýLku ykÃÞwt Au íku ykÃkýu Mk{ksLku MkuðkLkk YÃk{kt

Ãkhík ykÃkðwt òuRyu.

©e{íke zkp. ËþoLkk X¬hu (økkÞLkufku÷kuSMx yLku ykuçkMxuxÙeþeÞLk) {rn÷k økúknfkuLku nkxo yLku {øks ðå[u Mktíkw÷Lk fuðe heíku ò¤ððwt íku rðþu Mk{òÔÞwt. Mk{økú fkÞo¢{Lkwt Mkt[k÷Lk çkUfLke {rn÷k f{o[kheykuyu MkwtËh yLku MkhMk heíku fÞwO níkwt. ykÃkýe çkUfLkk 500 Úke ðÄw {rn÷k Mk¼kMkËku, ¾kíkuËkhku, þw¼uåAfkuyu çknku¤e MktÏÞk{kt nksh hne fkÞo¢{Lku MkV¤íkk yÃkkðe níke.

rhÍðo çkUfLke Mkq[Lkk yLkwMkkh, çkUf Ëh ð»kuo [kuÏ¾k LkVkLkk 1% sux÷e hf{ íkÚkk MkuLxÙ÷/Mxux økð{uoLx æðkhk {kLÞ LkuþLk÷ Vtz íkÚkk yLÞ Vtz{kt çkUfLkk [kuÏ¾k LkVkLkk 2% Lke {ÞkoËk{kt ËkLk fhe þfu Au.

íkËTyLkwMkkh çkUfu ð»ko 2019-20 Ëhr{ÞkLk Y>.1,19,79,000/- Lkwt ËkLk rðrðÄ 14 MktMÚkkykuLku ykÃku÷ Au. su{kt {wÏÞíðu

COVID-19 {nk{khe {kxu økwshkík hkßÞLkk {wÏÞ{tºke hkník Vtz{kt Y>.1,11,00,000/- Lkwt ËkLk ykÃku÷ Au. çkUfu RÂLzÞLk huz¢kuMk MkkuMkkÞxe, MkËTrð[kh Ãkrhðkh, økwshkík ËËeo ÷kuf fÕÞký, çkkhuò fu¤ðýe {tz¤ suðe ½ýe LkkLke {kuxe MktMÚkkykuLku ËkLk ykÃku÷ Au. çkUfu ð»ko Ëhr{ÞkLk Mkk{kSf nuíkw {kxu Y>.1,27,28,000/-, ykhkuøÞ ûkuºk {kxu Y>.67,51,000/- yLku þiûkrýf nuíkw {kxu Y>.36,00,000/- Lkwt ËkLk ykÃku÷ Au. çkUfu ík{k{ ËkLk rhÍðo çkUf ykuV RÂLzÞkLke {køkoËŠþfk {wsçk ykÃku÷ Au. ðÄw{kt {Lku sýkðíkk ykLktË ÚkkÞ Au fu çkkuzo ykuV rzhuõxMkoLkk MkÇÞku yu Yk.7,72,000/-, MkUx ÍurðÞMko Mfw÷ hkuz þk¾k, MkkÞLMk Mkexe hkuz þk¾k, {kÄwÃkwhk þk¾k, çkkÃkwLkøkh þk¾k, WM{kLkÃkwhk þk¾k yLku ykuÕz ÃkkËhk hkuz (ðzkuËhk) þk¾kLkk rðfkMk Mkr{íkeLkk MkÇÞkuyu Yk.2,16,000/- yLku çkUfLkk f{o[khe ¼kEyku yLku çknuLkkuyu Yk.8,33,000/- Lke hf{ Ãke.yu{.fuMko Vtz{kt yÃkoý fhe Au. yk MkðuoLku nwt ¾kMk yr¼LktËLk ykÃkwt Awt.

Mk{ksLkk {æÞ{ ðøkoLkk ÷kufkuLkk MktíkkLkkuLku Wå[ rþûký {kxu MknkÞ¼qík Úkðk ykÃkýe çkUfu ykuAk ÔÞks Ëhu, þiûkrýf rÄhký ykÃkðkLkwt þY fÞwO níkwt, suLkku ÷k¼ ½ýk rðãkÚkeoykuyu ÷eÄku níkku. ð»ko 2019-20 Ëhr{ÞkLk 255 ¾kíkkuyku{kt ykþhu Y>.56.23 fhkuzLkwt rÄhký {tswh fhu÷ Au. yíÞkhu çkUf îkhk Wå[ yÇÞkMk {kxuLkwt rÄhký 8.75% Úke 8.90% MkwÄeLkk ÔÞks Ëhu ykÃkðk{kt ykðu Au. íkËTWÃkhktík, þiûkrýf rÄhkýLke yhSyku{kt fkuRÃký «fkhLke «kuMkuMkªøk Ve ÷uðk{kt ykðíke

zkuLkuþLk :

þiûkrýf nuíkwMkhLkwt rÄhký :

21

LkÚke. íku{s 22 rðãkÚkeoykuLku Y>.18.85 ÷k¾Lke þiûkrýf MkçkMkezeLkku ÷k¼ Mkhfkh©eÚke {u¤ðe ykÃkðk{kt ykðu÷ Au.

ykÃkýe çkUfLkk Mk¼kMkËku yLku f{o[kheykuLkk íkusMðe rðãkÚkeoykuLku «kuíMkknLk ykÃkðkLkk ykþÞÚke, íku{Lku rþ»Þð]r¥k ykÃkðkLke ÞkusLkk y{÷{kt Au. yk ÞkusLkkLke þhíkku yLkwMkkh, yuMk.yuMk.Mke., yu[.yuMk.Mke. íkÚkk MLkkíkf, yLkwMLkkíkf íkÚkk «kuVuþLk÷ zeøkúeykuLke Ãkheûkkyku{kt Mkkhk økwý {u¤ðíkk rðãkÚkeoykuLku, rþ»Þð]r¥k ykÃkðk{kt ykðu Au. ð»ko 2019-20 Ëhr{ÞkLk, çkUfu fw÷ 163 rðãkÚkeoykuLku Y>.4,74,163/- Lke rþ»Þð]r¥k ykÃke Au. yk ÞkusLkkLku ðÄw WÃkÞkuøke çkLkkððk çkkuzo Mk¼kMkËkuLkk Mkq[LkkuLku ykðfkhu Au.

çkUfu, íkuLke Mkk{kSf sðkçkËkheLkk ¼køkYÃku çkUfLkk rËðtøkík Úkíkk Mk¼kMkËkuLkk ykr©íkkuLku {ËË fhðkLkk W{Ëk ykþÞÚke, ð»ko 1997 Úke Mk¼kMkË MknkÞ ÞkusLkk y{÷{kt {qfe Au. çkUfu yk ÞkusLkk íkk.31-3-2025 MkwÄe ÷tçkkðe Au yLku íkk.1-4-2020 Úke MknkÞLke hf{{kt 50% Lkku ðÄkhku fheLku nk÷Lkk Y>.10,000/- Úke ðÄkheLku Y>.15,000/- fhu÷ Au. yk ÞkusLkk ytíkøkoík, ð»ko 2019-20 Ëhr{ÞkLk rËðtøkík ÚkÞu÷k 245 Mk¼kMkËkuLkk ÃkrhðkhsLkkuLku, yk ÞkusLkk nuX¤ çkUfu ð»ko ËhBÞkLk Y>.24,50,000/- Lke MknkÞ [qfðe Au.

rËðtøkík ÚkÞu÷k Mkðuo Mk¼kMkËkuLkk ykí{kLku Ãkh{kí{k r[hþktrík yÃkuo íkuðe çkkuzo ykuV rzhuõxMko «kÚkoLkk fhu Au.

çkUfLke økúknf Mkuðk{kt W¥khku¥kh MkwÄkhku ÚkkÞ íku {kxu íkÚkk çkUfLku Mk{ksLkk «ríkrcík {nkLkw¼kðkuLkk yLkw¼ð yLku MktçktÄkuLkku ÷k¼ {¤u íkuðk ykþÞÚke, çkUfu þk¾k rðfkMk Mkr{ríkykuLke h[Lkk fhe Au su {kuxk¼køkLke þk¾kyku{kt fkÞohík Au. yk Mkr{ríkykuLke r{xªøkku ÷øk¼øk Ëh ËkuZ / çku {rnLku {¤u Au su{kt çkUfLkk rzhuõxh©e íkÚkk yLkw¼ðe yrÄfkheyku nkshe ykÃku Au. r{xªøk{kt MkÇÞku íkhVÚke {¤íkkt Mkq[Lkku Ãkh ykð~Þf fk{økehe fhðk{kt ykðu Au. Mkr{ríkLke r{xªøkku{kt {¤íkkt Mkq[LkkuÚke, çkUfLkk fk{{kt økríkþe÷íkk ykðu Au. Mkr{ríkLkk MkÇÞkuLke, yuLk.Ãke.yu. ÚkÞu÷k ¾kíkkyku{kt ðMkq÷kík{kt Ãký õÞkhuf {ËË ÷uðkÞ Au. Mkr{ríkLkk MkÇÞku íkhVÚke {kfuox RLxu÷esLMkLkk fk{{kt Ãký sYh Ãkzu {ËË ÷uðkÞ Au. íkËTWÃkhktík çkUf, çkU®føkLkku ÔÞkÃk ðÄkhðk þk¾kyku{kt økúknf r{÷Lk Mk{kht¼ Þkusu Au. yk fkÞo¢{ku{kt Ãký þk¾k rðfkMk Mkr{ríkykuLkk r¢Þkþe÷ MkÇÞku Mkr¢Þ nkshe ykÃke y{Lku

fk÷wÃkwh çkUf rþ»Þð]r¥k ÞkusLkk :

Mk¼kMkË MknkÞ ÞkusLkk :

þk¾k rðfkMk Mkr{ríkykuLke fk{økehe :

«kuíMkkrník fhu Au. çkUfLkwt çkkuzo ykuV rzhuõxMko yk Mkðuo MkÇÞkuLkku íku{Lke {kLkËT Mkuðk çkË÷ ¾qçk ¾qçk yk¼kh {kLku Au yLku ðÄw Mkr¢Þ Vk¤ku ykÃkðk rðLktíke fhu Au.

(1) ð»ko ËhBÞkLk Mkw«rMkØ çkU®føk {uøkuÍeLk “çkU®føk £LxeÞh” îkhk ykÃkýe çkUfLku ºký yuðkuzo «kó ÚkÞu÷ Au. çkuMx RL£kMxÙõ[h Ã÷kLk yuðkuzo, çkuMx zuxk MkeõÞwhexe yuðkuzo, çkuMx zuçkex fkzo RLkeMkeÞuxeð yuðkuzo. (2) Lkðøkwshkík Mk{Þ (økwshkíke ËirLkf) îkhk «kRz yuõMk÷LMk yuðkuzo (3) økwshkík hkßÞ yktíkh çkU®føk MÃkkuxTMko fkuBÃkexeþLk{kt r¢fux ûkuºku [uBÃkeÞLk xÙkuÃke nktMk÷ fhu÷ Au. (4) ykÃkýe çkUfLku Care

Rating MktMÚkk íkhVÚke A2+ huxªøk ykÃkðk{kt ykðu÷ Au su Mkq[ðu Au fu çkUf íkuLkkt Financial Obligations Lke Mk{ÞMkh [qfðýe fhðk Mkûk{ Au.

ykÃkýe çkUfLkwt {uLkus{uLx, çkUfLkk {kLkð MktMkkÄLkLku çkUfLke «økrík{kt {níðLkwt ÞkuøkËkLk ykÃkíkk ytøk íkhefu Mðefkhu Au. ykÚke f{o[kheykuLkk WíMkknLku ò¤ðe hk¾ðk íku{Lku Mktíkku»kfkhf ðuíkLk, yLÞ Mkøkðzku, WíÃkkËfíkk MkkÚku Mktf¤kÞu÷ çkkuLkMk, «{kuþLk, yuðkuzÍo, RLkk{, «{kýÃkºkku ðøkuhu ykÃku Au. ð»ko{kt yuf ð¾ík f{o[kheykuLku MknÃkrhðkh yk{trºkík fhe, íku{Lkwt ònuh fkÞo¢{{kt MkL{kLk fhðk{kt ykðu Au. f{o[kheykuLkkt çkk¤fkuLku Ãký íku{ýu {u¤ðu÷e rðþu»k rMkÂæÄ çkË÷ ÃkwhMf]ík fhðk{kt ykðu Au.

çkUfLkk f{o[kheykuLke ÷u¾Lk ûk{íkkLku «kuíMkkrník fhðk çkUf ELknkWMk sLko÷ “f{oÛÞ” «fkrþík fhu Au. çkUfLkwt ELknkWMk sLko÷, yuLkk {krníkeMk¼h ÷u¾ yLku yLÞ rðrðÄíkkykuLku fkhýu ðk[fkuLku ½ýwt s WÃkÞkuøke çkLÞwt Au. çkkuzo ykuV rzhuõxMko íkuLkk MktÃkkËf {tz¤Lku yr¼LktËLk ykÃku Au. çkUfLkk ÃkwMíkfk÷Þ{kt rðrðÄ rð»kÞkuLkkt ÃkwMíkfku, Mkk{krÞfku ðøkuhu ðMkkððk{kt ykðu Au. çkUfLkk ¼qíkÃkqðo f{o[kheyku MkkÚkuLkku MktçktÄ Sðtík hnu íku {kxu çkUf LkkLkk {kuxk fkÞo¢{ku{kt íku{Lku yk{trºkík fhu Au.

f{o[kheykuLke «rík¼kLku rLk¾khðk {kxu çkUf Mkíkík «ÞíLkþe÷ hnu Au. yk WÆuþLku æÞkLk{kt hk¾eLku ð»ko Ëhr{ÞkLk çkUfu íku{Lkk f{o[kheøký {kxu Äýe ELxhLk÷ íkÚkk yuõMkxLko÷ xÙuLkªøk «kuøkúk{Lkwt ykÞkusLk fhu÷ Au. ðÄw{kt 26{e òLÞwykhe íkÚkk 15{e ykuøküLkk hk»xÙeÞ ÃkðoLke Wsðýe fhu Au su{kt MxkVLkk çkk¤fkuLku Mktr{r÷ík fheLku «kuíMkknLk ykÃku Au.

çkUf îkhk JAIIB / CAIIB Ãkheûkk {kxu rLk:þwÕf ðøkkuo [÷kððk{kt ykðu Au suLkku ÷k¼ ykÃkýe çkUfLkk f{o[kheyku WÃkhktík yLÞ çkUfkuLkk ½ýkt f{o[kheyku ÷u Au. ð»ko Ëhr{ÞkLk ykÃkýe çkUfLkk

çkutfLku {¤u÷k yuðkuzTÍo :

{kLkð MktMkkÄLk rðfkMk yLku fkiþÕÞðÄoLk :

22


19 f{o[kheykuyu JAIIB, Ãkkt[ f{o[kheykuyu CAIIB, 6 f{o[kheykuyu AML-KYC íku{s yuf f{o[kheyu VkuhuLk yuõMk[uLs ykuVeMkhLke, yuf f{o[kheyu ykR.xe. MkeõÞwhexe,

yuf f{o[kheyu DUCB rzÃ÷ku{k RLk yçkoLk fku-ykuÃkhuxeð çkU®føk Ãkheûkkyku ÃkkMk fhe Au. yk Mkðuo f{o[khe r{ºkkuLku çkkuzo ykuV rzhuõxMko yr¼LktËLk ÃkkXðu Au. yk heíku fkiþÕÞ «kÃík fhu÷k f{o[kheyku îkhk çkUf økwýð¥kkÞwõík økúknf Mkuðk ykÃke þfu Au.

ð»ko Ëhr{ÞkLk,{kfuoxªøk rð¼køku MxuBÃk £ufªøk Mkuðk {kxu 67

DSA (zkÞhuõx Mku÷ªøk yusLx) Lke rLk{týqf fhe Au. ð»ko 2019-20 Ëhr{ÞkLk çkUf îkhk 470 nku{÷kuLk rÄhkýfíkkoykuLku Yk.10.45 fhkuzLke MkçkMkeze MknkÞ {¤u÷ Au. {kfuoxªøk rð¼køku rðrðÄ Mkhfkhe ÞkusLkk suðe fu yx÷ ÃkuLþLk ÞkusLkk, «ÄkLk{tºke yuBÃk÷kuR{uLx sLkhuþLk «kuøkúk{Lkku økúknfkuLku ÷k¼ ykÃÞku Au. çkUfLkk {kfuoxªøk rð¼køkLkk yrÄfkhe yLku f{o[kheyku ¾qçk s «þtMkLkeÞ fk{ fhu Au suLke çkkuzo LkkUÄ ÷u Au.

©e LkøkeLk¼kR þkn AuÕ÷k 56 ð»koÚke yrðhík [k÷íke “ËËeoykuLkwt hkník Vtz” Lkk{Lke Mkuðk «fÕÃkLkk ykSðLk ¼u¾Äkhe MkuðkMktík...

Mk{ks{kt ðMkíkk økheçk yLku sYrhÞkík{tË ËËeoyku {kxu MkLku 1964Úke Mkuðk fkÞoLkku «kht¼ ÚkÞku. Mk{ksLkk ©uceyku yLku þw¼uåAfku ÃkkMkuÚke ykðíke {kíkçkh ËkLkLke hf{ sYrhÞkík{tË ÷kufku MkwÄe ÃknkU[u íkuLkwt ¾kMk æÞkLk hk¾íkk. fkuRÃký òíkLkk Lkkíkòík fu, fku{Lkk ¼uË¼kð hkÏÞk ðøkh økheçk ËËeoLku yufðkh nk Ãkkzâk ÃkAe íku MktÃkqýo Mkkòu Lk ÚkkÞ íÞkt MkwÄe, sYhe Ëðkyku, V¤ku ðøkuhu «fkhLke MknkÞ fhíkk, WÃkhktík íku{Lkk MðsLkkuLku s{ðkLke ÔÞðMÚkk Ãký fhe ykÃkíkk. LkøkeLkfkfkLkk ÓËÞ{kt {kLkðíkk-MktðuËLkk-fYýíkkLkku yuðku Íhku níkku su Mkíkík ðÌkk s fhíkku níkku. Mkktzk Ãkkt[ ËkÞfk MkwÄe yLkuf ÷kufkuLke StËøke çk[kðe níke. SðLkLkk AuÕ÷k ïkMk MkwÄe økheçk ËËeoykuLke Mkuðk fhLkkh Mkk[k yÚko{kt Mk{ks MkuðkLkk ¼u¾Äkhe níkk.

íkuykuyu çkUfLke Ãkºkfkh þk¾kLkk, þk¾k rðfkMk Mkr{ríkLkk MkÇÞ íkhefu Mkuðk ykÃke níke. íkuyku©eLkk yðMkkLkÚke çkUfu íkuLkk yuf þw¼uåAf økw{kÔÞk Au.

Mð. ©e MkwhuLÿ¼kR MkðkR

çkUfLkk Ãkqðo rzhuõxh yLku fk÷çkkËuðe þk¾k rðfkMk Mkr{ríkLkk [uh{uLk ©e MkwhuLÿ¼kR MkðkR (W.ð. 81) Lkwt xqtfe {ktËøke

{kfuoxªøk rð¼køkLke «ð]r¥kyku :

©æÄktsr÷ :

ËhBÞkLk íkk.15 MkÃxuBçkh-2020Lkk hkus Ëw:¾Ë yðMkkLk ÚkÞu÷ Au. {ktøkhku¤Lkk ðíkLke yLku {wtçkRLkk hnuðkMke MkV¤ WãkuøkÃkrík, yLkufkLkuf ÄkŠ{f, Mkk{kSf yLku ÔÞðMkkrÞf MktMÚkkyku{kt þku¼kÞ{kLk yLku sðkçkËkhe ¼ÞwO MÚkkLk Mkt¼k¤íkk yrík ÷kufr«Þ yLkuf Mkwf]íkkuLkk «uhýkMíkkuºk çkLku÷k ykSðLk MkuðkLkk ¼u¾Äkhe níkk. ©e MkwhuLÿ¼kR MkðkRLkwt ònuhSðLk yLkuf MktMÚkkykuLke Mkkhe yLku W¥k{ fk{økeheLke MkwðkMkÚke {nUfíkwt hÌkwt níkwt. íkuykuLkk yðMkkLkÚke íku{Lkk ÃkrhðkhsLkkuLku Lk Ãkqhe þfkÞ íkuðe ¾kux Ãkze Au.

©e MkwhuLÿ¼kR MkðkRyu çkUf yLku fk÷çkkËuðe þk¾kLkk rðfkMk{kt MkkÁ ÞkuøkËkLk ykÃÞwt Au. íku{Lkk yðMkkLkÚke çkUfu ÃkkuíkkLkk yuf þw¼®[íkf yLku rníkuåAw økw{kÔÞk Au.

fk÷wÃkwh çkUf Ãkrhðkh MkËTøkíkLkk fwxwtçkesLkkuLku rË÷MkkuS ÃkkXðu Au yLku MkËTøkíkLkk Ãkrðºk ykí{kLku Ãkh{f]Ãkk¤w Ãkh{kí{k r[h:þktrík yÃkuo íkuðe «kÚkoLkk fhu Au.

©e rðMkk¼kR fu. Ãkxu÷ (Ãkr÷Þz)

fk÷wÃkwh çkUfLke Lkðk ðkzs þk¾k rðfkMk Mkr{ríkLkk MkÇÞ ©e rðMkk¼kR fu. Ãkxu÷Lkwt íkk.8-4-2020 Lkk hkus yðMkkLk ÚkÞu÷ Au.

Ãkq. Mð. ©e rðMkk¼kR Ãkxu÷Lkwt ònuh SðLk yLkuf MktMÚkkykuLke MkwðkMkÚke {nUfíkw hÌkwt níkwt. su íku MktMÚkkLkk ðneðx{kt òuzkRLku íku MktMÚkkLku ykøkðe yku¤¾ ykÃkðe íku íku{Lke ¾krMkÞík hne níke. fYýk xÙMx - y{ËkðkË, ÃkktshkÃkku¤, Ãkkt[fwðk fkÃkz {nksLk, Ãkr÷Þz «økrík {tz¤ suðe MktMÚkkykuLkk ÃkkhËþof ðneðxLku Mkki ÞkË fhu Au. Ãkq. rðMkk¼kRLkwt SðLk yLkuf rðrðÄíkkÚke ¼hu÷wt hÌkwt níkwt. çkknkuþ, MÃküðõíkk yLku ÷køkýeþe÷ Mð¼kðu íku{Lkk SðLkLku ¾qçk ô[kR ykÃke níke. íkuyku íku{Lkk ðíkLk Ãkr÷ÞzLku õÞkhuÞ ¼qÕÞk Lkrn.

ykÃkýe LÞw hkýeÃk þk¾kLkk þw¼kht¼{kt íkuykuyu ¾wçk hMk ÷eÄku níkku. LÞw hkýeÃk þk¾kLkwt WËT½kxLk íkuykuLkk ðhËT nMíku MktÃkLLk ÚkÞwt níkwt. íkuykuyu Lkðe þY ÚkÞu÷e LÞw hkýeÃk þk¾kLku ¾qçk Mkkhku rçkÍLkuþ {¤u íku {kxu ¼khu snu{ík WXkðe níke. íku{Lkk yðMkkLkÚke çkUfu ÃkkuíkkLkk yuf þw¼®[íkf yLku rníkåAw økw{kÔÞk Au. «¼w MðøkoMÚkLkk ykí{kLku r[hþktrík ykÃku yuðe «¼w «kÚkoLkk.

©e híkLkMkªøk Xkfkuh ykÃkýe fhLMke [uMx{kt fkÞohík níkk íku{Lkwt yfk¤u yðMkkLk ÚkÞu÷ Au íkuyku yuf yLkw¼ðe yLku fíkoÔÞrLkc f{o[khe níkk.

çkUfLkwt çkkuzo ykuV rzhuõxMko íkuykuLkk ykí{kLku Ãkh{kí{k r[hþktrík yÃkuo íkuðe «kÚkoLkk fhu Au.

23

yk¼kh ËþoLk :

çkUfLkk Mkt[k÷Lk{kt MknkÞ¼qík ÚkLkkh rhÍðo çkUf ykuV EÂLzÞkLkk rhSÞkuLk÷ rzhuõxh©e yuMk.fu. Ãkkýeøkúne, rhÍðo çkUfLkk rzÃkkxo{uLx ykuV fku-ykuÃkhuxeð çkUfMk MkwÃkhrðÍLkLkk {wtçkR ¾kíkuLkk ©e su.fu. zuþ, fku.ykuÃk. çkUõMk huøÞw÷uþLkLkk [eV sLkh÷ {uLkush ©e Mkkihð®Mknk, rhÍðo çkUfLkk rzÃkkxo{uLx ykuV MkwÃkhrðÍLkLkk [eV sLkh÷ {uLkush ©e yþkuffw{kh, zku. rððuf yøkúðk÷, òuRLx Mku¢uxhe (Co-Op) yLku MkuLxÙ÷ hSMxÙkh Lkðe rËÕne, økwshkík hkßÞLkk Mknfkh ¾kíkkLkk hSMxÙkh©e Ëuðktøk¼kR ËuMkkR, økwshkík yçkoLk fku.ykuÃk. çkUõMk VuzhuþLkLkk [uh{uLk ©e ßÞkuríkLÿ¼kR {nuíkk, økwshkík Mxux fku-ykuÃk. çkUf íkÚkk y{ËkðkË rzMxÙeõx fku-ykuÃk çkUf r÷. Lkk [uh{uLk ©e ysÞ¼kR Ãkxu÷Lkku, íku{ýu ykÃku÷k Mknfkh çkË÷ çkkuzo yk¼kh {kLku Au.

ykÃkýe çkUfLkk hkusçkhkusLkk fk{{kt {ËË fhíke MktMÚkkyku suðe

fu SEBI, NSDL íkÚkk yLÞ çkUfku suðe fu çkUf ykuV çkhkuzk,

Vuzh÷ çkUf, Mxux çkUf ykuV EÂLzÞk, HDFC çkUf, ICICI çkUf, ÞwrLkÞLk çkUf ykuV EÂLzÞk, MkuLxÙ÷ çkUf ykuV EÂLzÞk, SIDBI,

ECGC,FEDAI,CCIL,NPCI,IBA íkÚkk rðËuþe çkUfku suðe fu HABIB American Bank; Commerz Bank AG. ðøkuhuLkk yrÄfkheykuLkku yk «Mktøku çkkuzo yk¼kh {kLku Au.

çkUfLkk Mkðuo ykurzxMko, MxuåÞwxhe ykurzxMko, ÷eøk÷ yuzðkEÍMko, ðuÕÞwyMko, yuzðkufuxTMk MkðuoLkku yk «Mktøku yk¼kh {kLkeyu Aeyu. ¾kMk fheLku çkUfLkk r÷øk÷ yuzðkEÍh©e ySík®Mkn òzuò, ©e rnhuLk¼kR hkð÷, çke.ykh.Ãkxu÷ yuLz f>wt. íkÚkk ©e síkeLk¼kE þuXLkku ð»ko ËhBÞkLk íku{ýu ykÃku÷ Mknfkh çkË÷ çkkuzo yk¼kh {kLku Au.

çkUfLkk «kuVuþLk÷ yLku ÃkkhËþof Mkt[k÷Lk íkÚkk rðfkMk{kt Mkíkík MkkÚk ykÃkLkkh çkUfLkk çkkuzo ykuV rzhuõxMkoLkk Mkðuo MkÇÞ©eykuLkku y{u ytík:fhýÃkqðof yk¼kh {kLkeyu Aeyu. çkUfLke fk{økehe{kt nt{uþk MknkÞYÃk Úkíkkt [uh{uLk yu{urhxMk ©e ytçkw¼kE Ãkxu÷, ðkEMk [uh{uLk©e r{Lkuþ¼kE Ãkxu÷, yu{.ze.©e Ãke.yuV.¼Y[kLkku y{ku Éý Mðefkh fheyu Aeyu. çkUfLkk ykurzx/ELMkÃkuûkLkLkk fk{fks{kt íkÚkk Human Resources

Management Lke fk{økehe{kt y{qÕÞ ÞkuøkËkLk ykÃkðk çkË÷, [kxozo yufkWLxLx yLku çkUfLkk «kuVuþLk÷ rzhuõxh©e fkirþf¼kE Ãkxu÷Lke íkÚkk çkUfLkk ELVh{uþLk xufLkku÷kuS MktçktÄe fk{fks{kt y{qÕÞ Mk÷kn ykÃkðk çkË÷ rzhuõxh ©e

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LkðLkeík¼kE Mke.Ãkxu÷[uh{uLk

24


Dear shareholder Brothers and Sisters,

We, the Board of Directors, have great pleasure in thpresenting 50 Annual Report on the business and

operations of the bank along with Annual Accounts,

the Statutory Auditors’ report and details of activities

done by our bank for the year 2019-20.

During the year, the performance of our bank in the

area of deposit, advances and profitability was

satisfactory. Bank’s total business has reached to Rs.

12755.27 crore at the end of the year 2019-20.

Bank’s performance during the year 2019-20

- Total Business mix of Rs. 12755.27 Crore.

Share Capital, Reserves and Capital

Adequacy Ratio

Bank’s authorized share capital is Rs 125 crore. As

against this, bank’s paid up share capital is Rs. 94.45

Out of 59 branches, 41 branches have crossed

business mix of Rs 100 crore, of which 23 branches

have crossed business mix of Rs 200 crore. 28

branches have deposits above Rs 100 crore and 9

branches have advances above Rs 100 crore.

Ashram Road branch, Ahmedabad with deposits of

Rs 912.35 crore and SME & Mid Corporate branch,

Ahmedabad with advances of Rs 934.99 crore rank

first. Board of Directors conveys appreciation to

employees and officers of these branches.

crore at the end of the year 2019-20 which shows an

increase of 3.17 % over the previous year. Bank's

membership has also gone up from 53709 to 56657

as on 31.03.2020.

Item 2018-19 2019-20 % change

Share capital 91.55 94.45 (+)3.17%

Membership 53709 56657 (+)5.49%

Reserves 1244.79 1351.95 (+)8.61%

Deposits 6939.35 7837.03 (+)12.94%

Advances 4676.80 4918.24 (+)5.16%

Investments including Govt. Securities 3239.54 4280.10 (+)32.12%

and Bank deposits

Working Capital 8652.34 9890.42 (+)14.31%

Net profit 122.72 128.5 (+)4.71%

Gross income 713.61 854.58 (+)19.75%

Gross Expenses 497.28 644.87 (+)29.68%

Credit / deposit ratio 67.40% 62.76% (-)6.88%

CRAR 16.67% 17.60% (+)5.58%

Gross NPA 137.59 75.41 (-)45.18%

(2.94%) (1.53%)

Net NPA 0.00% 0.00% -

Key Financial Indicators of the Bank

(Rs. in Crore)

BOARD OF DIRECTORS’ REPORT

25

Bank’s reserves which is an indicator of financial

strength of the bank, have reached to Rs 1351.95

crore registering a growth of 8.61%. The CRAR of the

bank stood at 17.60 %. This can be considered quite

satisfactory as compared to 9% benchmark

prescribed by RBI.

Thus, continuous increase in share capital, increase in

bank’s reserves and healthy CRAR are indicators of

sound and professional administration of our bank.

Bank's Board of Director is conscious about diligent

use of bank's reserves.

At the end of the year, bank’s deposits have reached

to Rs.7837.03 crore with growth of 12.94%. During

the year, with a view to encouraging deposit-holders,

our bank has aligned interest rate from time to time

so as to be competitive with peer banks for

canvassing and retaining deposits .

CASA deposits of the bank stood at Rs. 2375.20

crore, forming 30.31 % of total deposits. As you

know profitability of the bank depends mainly upon

CASA deposits. Hence entire board and staff

members put in continuous efforts for increasing

CASA deposits.

During the year 2019-20, 37051 new savings

accounts and 3361 new current accounts have been

opened. Bank extends several benefits to Premium /

Privilege / Special category Savings / Current

account holders in service charges.

Bank extends various services like mobile banking,

internet banking, debit cards, various insurance

schemes of Government, and other technology

supported services due to which customer base of

the bank has increased. Bank gives immense

importance to excellent customer service. Board of

Directors requests members and well-wishers to

extend their full support for increasing customer

base.

Our bank regularly pays premium on deposits to

Deposit Insurance and Credit Guarantee Corporation

Growth in Deposits – Total deposits Rs.

7837.03 crore- growth of 12.94 %

(DICGC) and comply with extant guidelines of the

Reserve Bank of India.

At the end of the year, bank’s advances have reached

to Rs 4918.24 crore with a growth of 5.16% as

compared to last year figure of total advances.

Increase in advances of our bank are very significant

in view of the fact that growth rate is higher than

credit growth of public sector banks which was 4.2%.

Considering various risks associated with LC bill

discounting as well as low yield in LC bill discounting

advances, bank is now focusing more on Regular

advances. There has been considerable growth in

bank’s MSME and Export Sector advances. In case of

Retail advances also there has been considerate

growth in Education Loans, Home Loans, Car Loans

etc. Overall Bank is focusing more on growth of core

advances business.

With a view to increasing advances, bank has

launched “Golden Jubilee Welcome Scheme” from

15-10-2019 to 31-03-2020. As a result of the

Scheme, -41- new advance accounts were canvassed

which resulted into increase in advances to the tune

of Rs. 80.69 crore. Bank has extended the said

Scheme up to 31-03-2021 to augment new priority

sector advances.

Credit deposit ratio of the bank for the current year

is 62.76% which was 67.40% in previous year. Due to

more focus on core business as against LC / BD

business and impact of COVID-19 pandemic lock

down in the month of March 2020 etc CD Ratio of

our bank has came down to that extant. Bank also

provides various retail loans like Home loan, Car

loan, Education loan at attractive interest rates. Bank

expects moderate growth in advances in 2020-21.

Interest rates on advances of our Bank are quite

competitive and the benefit of which is availed by

large number of customers. The MSME sector in our

country plays vital role in economic development

and employment generation. Bank is, therefore

arranging meetings of entrepreneurs of this sector to

increase MSME advances. Moreover Agro based

Total Advances – Rs 4918.24 crore - growth

of 5.16%

26


industries are offered special interest rates for

advances. Bank has introduced special cluster

scheme for borrower belonging to Textile and

Printing Industry to cater to their special

requirements.Bank extends Housing finance at a very

attractive rate of interest. Apart from that, bank also

offers various retail products at very attractive

interest rates. The borrowers having better credit

rating are given concession in interest rate under

Credit Rating scheme introduced since last few years.

Bank Guarantees issued by our bank are accepted by

various Gujarat Government departments, Boards,

Corporations,Public Sector Undertakings etc.

Bank makes continuous efforts to maintain quality of

advances so as to avoid the accounts turning into

NPA category. The Board of Directors congratulates

all those who are involved in this work.

As per RBI guidelines, UCBs have to extend 40 %

advances of their Adjusted Net Bank Credit to

Priority Sector and 10 % advances to Weaker section

and 7.50% advances to Micro Enterprise (new sub

target under Priority sector). At the end of the year

2019-20 the final average priority sector advances

stood at 42.63% after giving effect of Priority Sector

Lending Certificates purchased and sold. The weaker

section advances stood at 10.71% on average of all

four quarters of the year as compared to previous

year of 8.39%.

The micro enterprise advances stood at 8.10%

against the target of 7.50%. Likewise, bank has

achieved all the Priority sector targets and sub-

targets during the FY 2019-20. Bank has been

making sincere efforts to increase finance to weaker

section as well as micro enterprise. The Micro Credit

advances stood at Rs. 8.19 crore.

In order to widen the coverage of Micro Credit

Finance, all the branches are canvassing Micro Credit

loan at their respective branches.

Bank has also started Mobile Van to provide door

step services to weaker section of the society. Mobile

van is extending banking services to different areas

of Ahmedabad like Majurgam, Gautamnagar Char

Priority sector advance

Rasta ( Fakir Mukhi ni Chali) , Dani Limda, Abadnagar,

Seva Sadan , Hirawadi, Bapa Sitarm Chowk, Khodiyar

Temple Nikol, Ramnagar and Uttamnagar.

MSME sector plays important role in employment

generation. Hence, Government as well as Reserve

Bank of India focus more on increasing such

advances to this sector. Accordingly, our bank is also

making sincere efforts to increase finance to this

sector. Several branches are located in the industrial

areas for extending finance to MSME units. Bank has

also introduced cluster based schemes to encourage

specific cluster finance under MSME sector like

Textile cluster, Printing cluster, Agro based cluster,

Cotton ginning cluster. Bank’s finance to this sectors

has reached to ₹ 1722 crore as on 31.03.2020.

After a period of 14 years since the MSME

Development Act came into existence in 2006, Union

Cabinet has approved upward revision of MSME

definition. As per revised definition limit for Micro

Manufacturing and Services unit has been increased

to Rs. 1 crore of Investment and Rs. 5 crore of

Turnover, limit for Small unit has been increased to

Rs. 10 crore of Investment and Rs 50 crore of

Turnover and limit for Medium Unit has been

increased to Rs 50 crore of Investment and Rs. 250

crore of Turnover .

To increase MSME advances, bank is regularly

conducting customer meets and revising products

based on customers’ feedback. Bank name has been

listed with CGTMSE as MLI (Member Lending

Institute). Only five Urban Co-operative Banks have

been registered as MLI and our bank is one of them.

Since last few years, in terms of Government policy

and RBI guidelines,our bank has taken various steps

to increase Micro Credit Advances to Weaker

Sections of the society to make affordable finance

available to them for their upliftment and social well

being. A separate Division has been formed in the

bank for systematic planning and focused attention

on micro credit. Major beneficiaries of micro credit

Finance to MSME sector

Micro Credit – Women Empowerment

27

are women. Such advances provide them

employment opportunities to support their families.

Due to such advances, standard of living of women

beneficiaries has improved and they have become

financially literate. This is a forward step towards

women empowerment. During the year 2019-20,

bank has extended finance of Rs.6.87 crore to 2318

women beneficiaries.

The Board of Directors conveys appreciation to the

employees involved in this work and exhorts them to

ensure that the advances portfolio under this

category remain healthy.

The entire banking industry in our country is facing

problem of considerable increase in NPAs. Gross NPA

of our Bank has remained at Rs. 75.41 crore at the

end of the financial year 2019-20 which is 1.53% of

total advances. It also includes NPA of erstwhile

merged banks with our bank.

Our bank has recovered Rs.76.16 Crore during the

financial year 2019-20 from NPA accounts resulting

in Gross NPA decline from Rs. 137.59 Crore (2018-19)

to Rs. 75.41 Crore in absolute terms and in

percentage terms from 2.94 % (2018-19) to 1.53% at

the end of the Financial Year 2019-20.

As per RBI guidelines, bank is required to make a

provision of Rs. 94.16 crore for standard advances as

well as NPA accounts. However, since our bank has

already made a total provision of Rs. 206.19 Crore,

Net NPAs of our bank have remained at zero percent

as in the past several years. However, COVID-19 may

have adverse impact on credit portfolio and it is

likely that NPA may increase during the next

Financial Year.

During the year under review, our Board has

approved to write off / waiver in 104 non-

performing assets accounts after granting relief in

principal / uncharged interest, penal interest, and

other expenses and to charge off One account.

These 105 accounts include 36 accounts in which

relief is granted to the tune of Rs 38.03 lakh in ledger

outstanding. For the purpose of cleansing of Balance

Sheet and Subject to continue the recovery process,

Non Performing Assets (NPAs) – Gross NPAs

– 1.53%, Net NPAs – 0.00%

an amount aggregating Rs.4.11 crore in 25 accounts,

has been transferred to Prudential Written off

Accounts. The Board has taken these decisions of

write off / charge off / waiver in terms of the

authority given to it by the General Body. The Board

requests this house to ratify the action of the Board.

Board also requests this house to give permission to

the Board to write off / charge off / consider waiver

etc in non-performing accounts during the Financial

Year 2020-21.

Our bank pursued a policy of prudential write-off /

charge off certain NPA accounts, in which chances of

any recovery are very rare. These accounts were

actually written off with the permission of General

Body during the year 2013-14. However, the efforts

of recovery in such accounts were continued by

bank. We have to state that during the year 2019-20,

our bank has recovered Rs. 14.02 lakh from such

written off / charged off accounts.

The Directors of our bank and their relatives as

defined by RBI are not granted any kind of finance

by our bank, except loan / overdraft against fixed

deposits standing in their own name, and thus bank

strictly comply with RBI guidelines in this regard.

Our bank’s total investments were to the tune of Rs.

3239.54 crore at the end of the year 2018-19, which

increased to Rs. 4280.10 Crore at the end of the year

2019-20. The investments under SLR category is Rs.

2052.60 Crore, Non-SLR category of Rs 689.27 Crore,

deposits with other banks of Rs 1341.23 Crore and

Call Money / TREPS / Reverse Repo / lending of Rs.

197 Crore. The total borrowing under RBI - LTRO is

Rs. 148 Crore. Our bank has created an Investment

Depreciation Reserve of Rs. 27.00 Crore to guard

against possible risk due to market volatility. Further,

Investment Fluctuation Reserve of the bank stood at

Rs 39.68 Crore and after appropriation of net profit

for this year, IFR will increase to the desired level in

accordance with the RBI guidelines. Bank is taking

adequate care to ensure that the investments of

Recoveries in Written Off Accounts

Finance to Directors of our Bank

Investments – Rs 4280.10 crore

28


bank are safe and secured. Bank's Non-Performing

Non-SLR investment is NIL. Bank has made trading

profit of Rs 8.15 crore during the year. The average

return on the investment is 7.80%. The bank has

adhered to all the exposure limits in Non-SLR and

Inter-bank placement as per the RBI guidelines.

The banking systems and procedure, technological

changes and market risks have undergone sea

change in the present time. As a result, Risk

Management has gained immense importance.

Banks have to manage mainly Operational Risk,

Credit Risk and Market Risk. Our bank has put in

place adequate practices and procedures to manage

these risks. Bank has formed investment committee

to study market risk, which meets periodically and

takes appropriate decisions. The credit risk is

mitigated by regular audit, inspection,

decentralization of powers to sanction advances,

fixation of exposure ceilings, monitoring, inspection,

credit rating etc. Bank ensures risk based supervision

of branches. Bank’s Audit Committee also focuses on

these areas. Being an Authorized Dealer in Forex,

having AD category 1 license, our bank has to face

country risk also. Our bank has prescribed Bank-wise

& Country-wise exposure ceilings and they are

reviewed from time to time.

With the increase in the technology adoption and

use of digital channels by banks and its customers

for various banking operations, there is significant

increase in cyber frauds. In the context of this,

Reserve Bank of India has issued circular on

Comprehensive Cyber Security Framework for

Primary (Urban) Cooperative Banks (UCBs). The

framework has been formulated on a graded

approach and categorized into four levels based on

their digital depth and interconnectedness to the

payment system landscape. Various administrative

controls / measures to be implemented by the Bank.

With respect to the same, our bank has already taken

various steps to implement these controls and

further strengthening its information and cyber

security controls for protection from cyber-attacks.

Bank has been issuing various advisories through

Email / SMS / on its website for the benefits and

Risk Management

security of customers. All members are requested to

go through the advisory and act accordingly.

Bank's Asset Liability Committee meets periodically

to study and manage liquidity risk, and ensures

timely submission of liquidity returns to RBI and also

takes care to avoid any possible default in

maintenance of CRR / SLR. Our Bank has never

defaulted in maintenance of CRR / SLR. Board

appreciates the work done by these departments.

Thus, considering the importance of risk

management, our bank is following prudent

practices and procedures and systems are being

strengthened from time to time.

We are pleased to inform you that bank's Total

Income has increased to Rs 854.58 crore as on

31.03.2020 as compared to last year total income of

Rs 713.61 crore,. After deducting total expenses,

taxes and provisions from this income, bank has

achieved Net Profit of Rs. 128.50 crore, which was Rs.

122.72 crore last year. Due to efficient administration,

Net profit of the bank is steadily increasing, which

ultimately results into increase in reserves as well. As

per provisions of bank’s Bye-laws, Board

recommends profit distribution as below and

requests this house to approve the same.

Appropriation of Profit and Dividend –

Total income Rs 854.58 crore

Net profit Rs 128.50 crore

Dividend 15 % (proposed)

29

140

120

100

80

60

40

20

020152016

20162017

20172018

20182019

20192020

NET PROFIT

84

.11

85

.82 1

10

.24

12

2.7

2

12

8.5

0

Board recommends to this house to approve

15 % dividend for the year 2019-20 subject

to RBI approval.

Vide Circular No:RBI/2019-20/ 218/

DOR.BP.BC.No.64/21.02.067/2019-20 dated

17.04.2020 addressed to all Banks in India

RBI has advised that

Assessment of Targets and Budget for the

year 2020-21

"In an environment of heightened uncertainty

caused by COVID-19, it is important that banks

conserve capital to retain their capacity to support

the economy and absorb losses. Accordingly, it has

been decided that all banks shall not make any

further dividend payouts from the profits pertaining

to the financial year ended March 31, 2020 until

further instructions. This restriction shall be

reassessed by the Reserve Bank based on the

financial results of banks for the quarter ending

September 30, 2020".

In case permission is not given by the RBI for

distribution of Dividend for the year 2019-20, the

Bank will write back appropriated dividend to

Statutory Reserve / BDDR / IDR/ IFR as decided by

the Board of Directors of the Bank.

Bank reviews achievement against the targets given

for the year and gives targets for the current year in

the beginning of every year. The targets are given

after considering the views of the concerned staff. As

this process is carried out in the beginning of the

year, the staff gets sufficient time for planning. The

branches doing admirable work in achieving the

targets are complimented. During the year, 2019-20

our bank has done satisfactory work in achieving

various targets. Its credit goes to all Staff members,

Board of Directors, Branch Development committee

members, customers and well wishers.

The Board has also prepared budget for the year

2020-21 which is presented to this house with a

request to approve the same.

No Particular Amount (Rs.)

Total Net Profit 1,28,50,28,733.62

1 Reserve funds (25%) 32,12,57,183.41

2 Education fund 1,28,50,287.34

3 Unforeseen losses fund 12,85,02,873.36

4 Dividend (xx%) 13,50,94,187.98

5 Building fund 25,70,05,746.72

6 Charity fund 2,57,00,574.67

7 Investment fluctuation fund 32,12,57,183.41

8 Reserve fund 8,33,60,696.73

30

6000

5000

4000

3000

2000

1000

020152016

20162017

20172018

20182019

20192020

ADVANCES

49

18

.24

46

76

.80

39

03

.39

42

21

.19

33

34

.47

9000

8000

7000

6000

5000

4000

3000

2000

1000

020152016

20162017

20172018

20182019

20192020

DEPOSITS

51

96

.86

62

49

.82

64

95

.90

69

39

.35

78

37

.03


Board of Management:

Corporate governance-cum-Co-operative

governance

In terms of RBI Notification vide circular No:

RBI/2019-20/128 DoR (PCB).BPD.Cir.No.8/12.05.

002/2019-20 December 31, 2019 UCBs with Deposit

size of Rs. 100 crore and above shall constitute BoM

which will also be a mandatory requirement for

allowing such banks to expand their area of

operation and open new branches. Since our

Deposits as on 31.12.2019 is Rs. 7580.26 crore, this

guidelines are applicable to our Bank.

Amendment in Bye-Laws has been made and we are

in the process of forming Board of Management in

our Bank in due course.

Right from inception, our bank follows basic

principles of co-operative values. Our bank lays

importance to corporate governance in its

administration, but at the same time, follows co-

operative principles. Following this policy, our bank

has merged eight small weak / sick co-operative

banks in order to protect their members and

depositors. Bank’s Board of Directors takes decisions

keeping in mind bank's responsibility towards society

and its share-holders, following RBI guidelines in

letter and spirit with complete transparency.

As per RBI guidelines, two professional directors are

co opted by the Board and they provide their

valuable services to the bank. Bank’s Board meets

regularly in which majority of Directors remain

present. The committees formed for extending

support to the Board meet regularly and take

decisions that are helpful to the Board. Board invites

invitees as per rules and gets benefit of their services

as and when required.

Our bank is the first urban co-operative bank which

holds permanent AD category I license in Gujarat.

Bank has done foreign exchange turnover of Rs

12885 crore during the year. Bank undertakes all

Forex related transactions. Our bank offers forex

related services at highly competitive rates. Our bank

is dealing in foreign currencies like USD, GBP, Euro,

Canadian dollar and Japanese Yen, etc.

Bank provides all services related to import and

export. In case of exports, Bank provides various

facilities like Export packing credit, Foreign bills

collection, foreign bills purchase/ discounting/

negotiation etc. at very competitive rates.

In case of imports, bank provides various facilities

like Foreign Letter of credit (FLC), Buyers credit/

Suppliers credit, Foreign Bank Guarantees, Forward

Foreign Exchange Department

No. Particulars 2019-20 2019-20 2020-21

(Target) (Actual Achievement) (Target)

1 Share capital 95.00 94.45 95.00

2 Reserves and surplus 1325.00 1351.95 1450.00

3 Deposits 7400.00 7837.03 8000.00

Of which CASA deposits 2200.00 2375.20 2500.00

4 Investment including deposits with banks 3600.00 4280.10 4500.00

5 Advances 5100.00 4918.24 5000.00

6 Working capital 9000.00 9890.42 10600.00

7 Gross income 800.00 854.58 813.70

8 Gross expenses 580.00 644.87 603.20

9 Operating profit 220.00 209.71 210.50

10 Net profit 125.00 128.50 135.00

11 NPA recovery 81.00 76.00 50.00

Analysis of Targets and Budget for the year 2020-21 (` in Crore)

31

Contract, etc. The Department uses Reuters / Tickers

/ CCIL services and dealing room is available at

Ahmedabad. Bank provides international payment

facility by direct SWIFT system. Our bank’s name is

included in International Bank Directory. Our Bank’s

SWIFT system works very efficiently. We urge all

businessmen and traders engaged in international

business to take maximum benefit of our foreign

exchange services.

Our bank obtained permission from RBI for opening

currency chest during the year 2017. Bank’s currency

chest is actively functioning and it gives facility to

customers and banks for cash management. Apart

from this, bank also provide cash management

facility to 19 small co operative banks and small

finance banks.

Banking industry is facing fierce competition in the

present time. So, it is very necessary for banks to

earn income from sources other than core banking

activities, so as to make reasonable profit. This

income should normally meet with administrative

expenses. Our bank, however, earns good income

from various para banking services such as Life

Insurance, General Insurance, Health Insurance,

Demat & ASBA, Stamp franking, PAN Card etc. We

request all of you to avail benefit of such services.

Our bank provides internet banking facility to

Corporate customers as well as Retail customers

without any charge. Bank provides internet banking

services under secured environment and is subject to

IT security audit. Through internet banking,

customers can avail internal/ external fund transfer,

view/ print statements, know status of cheque, send

request for new cheque book, Create Fixed deposit,

pay bills etc., services from their Laptop/ Desktop or

Mobile devices.

We expect maximum customers to avail this facility.

At the end of this year, 5988 corporate customers

and 9519 retail customers have availed this facility.

With a view to increasing use of internet banking,

bank has waived charges for NEFT/ RTGS

transactions when done through internet banking

channel. Therefore customers are advised to take

maximum benefit of these services.

Currency Chest:

Para Banking services

Internet Banking

Mobile Banking

Debit Card

ATM centres

Our bank has introduced Unified Payment Interface

(UPI) service of NPCI as a issuer Bank during this

year. Under this facility, various services like Send

Money, Request Money, Request money

authorization , Merchant payment through QR scan,

IPO etc. are provided. At the end of this year, 13746

customers have availed this facility. Bank has

increased customer base for the existing mobile

banking facility from 9268 to 47877 customers. We

advise customers to take maximum benefit of this

facility post COVID-19 pandemic situation to avoid

physical contact / maintain social distancing.

Our Bank offers two types of Debit cards - Kalupur

Bank RuPay Classic card and Kalupur Bank RuPay

Platinum card. Both these cards are available at a

very nominal yearly fee and can be used not only at

our Bank ATMs but also at other Bank ATMs across

India. Customers can use Kalupur Bank Debit cards

to make e-Commerce transactions as well as enjoy

convenience of shopping at Merchant

establishments across India displaying the RuPay

logo. Usage of both the cards are completely free at

our Bank's ATMs. Customers are requested to make

maximum use of Debit cards across all delivery

channels.

Our Bank has total 61 ATMs, which include five off-

site ATMs. Our ATMs extend 24 x 7 hour service with

facility of Air conditioners and are secured by

security guards, siren and CCTV surveillance. In our

ATMs currency notes of good quality are always

stored. Other Bank’s ATM cardholders can take

maximum benefit of services of our ATMs. In

addition to this, with 13 banks (having Inter

operative Cash Deposit facility), our Bank's

customers can deposit cash in other Banks and other

Bank's customer can deposit cash in our Bank

through Cash Recycler/BNA Machines - this facility is

currently available in two Branches of our Bank i.e.

Panchvati Branch, Ahmedabad and Sola Road Branch

Ahmedabad with more to be added in the future.

Our Bank's customer can directly make entry

through Passbook Kiosk Machine - this type of

facility available in 36 Branches. We request

everyone to take maximum benefit of these facilities.

32


Locker service

Demat service/ASBA service

PAN Card service/Gas Bill collection

service

E-Tax service

Stamp franking service

Modern banking requires safe deposit locker facility

through well-furnished premises.

Our bank extends locker service at 50 branches

through more than 75800 lockers. Bank makes

earnest efforts to provide more and more lockers.

Since the locker rent charged by our bank is very

reasonable and locker halls are well furnished and

Air conditioned, more and more customers are

taking benefit of locker services.

Bank's Demat department is functioning since 1999.

58 Branches provide Demat facilities. All the

branches of our bank extend ASBA service to

customers. During the year, our bank has accepted

105173 applications under ASBA facility for 63

IPO/FPO/Right issues. This year, bank has started to

provide UPI services which enables our Saving Bank

customers to submit IPO applications to syndicate

brokers. Bank also provides Missed Call facility for

Demat account balance.

All the branches of our bank receive applications for

issue of Income Tax Permanent Account Number.

Bank also extends Adani Gas bill collection service at

certain branches. During the year Bank has

processed more than 600 applications for issue of

PAN Card and collected more than 32,700 Adani Gas

bill payment.

Our bank extends e-tax service free of charge for

payment of various taxes by our customers, in

collaboration with other Banks. Under this services,

customers can make payment of various taxes like

income tax, TDS, GST,VAT, custom duty, ESIC, EPFO,

TDS on sale of assets etc. Large number of

customers are availing benefit of this facility.

-52- branches of our bank extend stamp franking

service to members of public. Branches provide

franking facility for any amount. Bank has also

appointed DSAs for providing franking facility and as

on 31.03.2020 there are 309 DSAs for providing

franking services across the branches.

Other services

Corporate Social Responsibility

Blood Donation

Implementation of Insurance schemes of

Government of India

Apart from above mentioned services, bank provides

various other services like Toll free number, free E

Statements, Free SMS alerts, free Demat statements

on mobile, Missed Call Services for knowing account

balances, Mini statement, Missed Call Services,

blocking of Debit card through SMS etc. Large

number of customers avail benefit of these services.

As a part of corporate Social Responsibility, our bank

undertakes several activities for the benefit of

society, which include micro finance, blood donation,

yoga shibirs, donations to organizations engaged in

social/ Educational/ Medical activities, prizes /

scholarships to meritorious students, assistance to

the kin of deceased members, celebration of various

days etc. During the year as a part of celebration of

Golden Jubilee Year for encouraging awareness and

action for the protection of the environment bank

has decided for plantation of 50000 trees and as on

date about 22300 trees have been planted at various

places.

The members of Board of Directors support such

activities by remaining present in the various

functions.

Members of branch development committees, all the

branch managers and co-ordinating Officer Shri

Chandravadan Shukla are giving remarkable

contribution in this social activity. During the year, 54

branches have satisfactorily arranged blood

donation camps. The staff members and customers

give their immense contribution in this

activity.During the year, 80 such camps were

arranged and 6167 units of blood was collected. 33

health check up camps were arranged during the

year; the benefit of which was taken by 3853

persons.

Bank has secured Composite corporate agent

approval from IRDA and have since been doing Life

Insurance and General Insurance business for the last

few years. Under life insurance, bank has obtained

about 1600 policies and have also settled four life

insurance claims. Under General insurance, bank has

canvassed 6450 policies. 33

Our bank has done remarkable work in

implementation of insurance schemes of Central

Government viz Pradhan Mantri Suraksha Bima Yojna

(PMSBY) and Pradhan Mantri Jivan Jyoti Bima Yojna

(PMJJBY), launched by the Prime Minister.We are

happy to state that about 38,000 customers have

been covered under PMSBY and PMJJBY schemes.

Unfortunately, 10 death claims took place under

these schemes and all the claims have been settled

during the year.

Under initiatives of the Government of India, our

bank has implemented this scheme and till now,

bank has covered 114 customers under the said

scheme. All the members and Customers are advised

to take maximum benefit of this scheme.

Our bank has launched personal accident insurance

scheme for the benefit of savings and current

account holders of our bank, subject to certain

conditions. During the year, under the said scheme,

total 3,80,000 customers have been covered. There

were 16 claims under the scheme and all the claims

have been settled.

With a view to giving respect to women in the

society, (since last 6 years), our bank has been

celebrating International Women’s Day. This year th

also on 8 March 2020, bank has celebrated

International Women’s Day. A seminar was organized

to mark the occasion. Bank invited two eminent

women speakers to address the female customers.

Smt. Anar Patel, founder of "Gramshree Foundation"

shared her own experiences and gave message to

female customers to focus on social service and live

a life for others. She further highlighted that

whatever society has given to us, we should give the

same back to society in the form of social service.

Smt. Dr. Darshna Thakkar (Gynecologist &

Obstetrician) explained female customers on how to

maintain balance between Heart & Brain. The entire

programme was conducted by female staff members

of our bank. More than 500 female customers were

present and made the programme memorable.

Atal Pension Scheme:

Insurance benefit to our Customers:

Celebration of International Women's

Day:

Donation

Finance for Higher Education:

Kalupur Bank Scholarship Scheme:

As per RBI guidelines, donation of the bank is to be

restricted to a ceiling of 1% of published net profits

of the bank. Such normal donations, together with

those that may be made to National Funds and

other funds recognized by Central Govt / State Govt

during the year may not exceed 2% of published

profits of the bank for previous year.

Accordingly, our bank has given donation of Rs.

1,19,79,000/- during the year 2019-20 to 14

organizations like Chief Minister Relief Fund Gujarat

State for COVID-19 pandemic Rs. 1,11,00,000/-,

Indian Red Cross Society, Sadvichar Parivar, Gujarat

Dardi Lok Kalyan , Bareja Kelavani Mandal, etc .

In all, bank has made donation of Rs. 1,27,28,000/-

for Social purpose , Rs. 67,51,000/- for Medical

purpose, and Rs. 36,00,000/- for Educational

purpose. The donations are given as per RBI

guidelines. Further, we are happy to inform you that,

members of our Board of Directors' have donated Rs.

7,72,000/-, Branch Development Committee

Members of St Xavier's School Road Branch, Science

City Road Branch, Madhupura Branch, Bapunagar

Branch, Usmanpura Branch and Old Padra Road

Branch (Vadodara) have donated Rs. 2,16,000/- and

our staff members have donated Rs. 8,33,000/- to P

M Cares Funds. We convey our gratitudes to all of

them.

Our bank provides Education loan at very

competitive interest rates, benefit of which is availed

by many students. During the year 2019-20, bank

has sanctioned Education Loan to 255 students

aggregating is Rs. 56.23 Crore. At present, bank gives

education loan for higher study in India and abroad

at attractive interest rates ranging from 8.75% to

8.90% which is perhaps lowest in banking industry.

Bank does not charge any processing fees for

education loan. During the year, our bank has lodged

subsidy claim for education loan in 22 accounts

aggregating Rs. 18.85 lakh which has been received.

Our bank has introduced a scheme of giving

scholarship to meritorious students of members and

staff members of our bank since many years. Under

this scheme, students securing good marks in SSC,

HSC, Graduation, Post-graduation etc are awarded

34


scholarship. Under the scheme, during the year

2019-20, 163 students were given a scholarship of

Rs. 4,74,163/-. Board invites various suggestions

from members to make this scheme more beneficial.

As a part of social responsibility, bank has introduced

a Members' Welfare Scheme since 1997 with a noble

cause of helping family members of deceased

members. Bank has extended the scheme for a

further period of five years i.e. valid upto 31.03.2025

and w.e.f. 01.04.2020 the amount payable to the

Successor/ Nominee of the deceased Share Member

under the scheme has been increased by 50% i.e.

from existing Rs.10,000/- to Rs. 15,000/-.

During the year, Bank had paid Rs.24,50,000/- to

family members of 245 deceased members.

The members of Board prays God for eternal peace

to the souls of the deceased members

Bank has formed Branch Development Committees

for most of the branches of our bank, comprising of

prominent personalities of society, to avail the

benefit of their experience and contacts for

improving customer service of our bank. The

meetings of such committees are held once in One

and Half / Two months in which bank’s director and

experienced officers remain present. Bank takes

necessary action for implementing suggestions

given by the members. The implementation of

suggestions brings improvement in customer

service, professionalism and momentum in bank’s

working. The committee members at times help

recovery of NPAs and give market intelligence

report. Bank organizes customer meets at branches

to increase customer base. During such customer

meets, Branch development committee members

take active part and provide encouragement to staff .

Board respects the honorary services of the active

committee members and requests them to continue

to extend their contribution in development of the

bank.

During the year, bank has received following awards:

1. Banking Frontier award for Best Infrastructure

Plan Award, Best Data Security Award, Best Debit

Card Initiative Award

Members’ Welfare Scheme:

Branch Development Committees

Awards

2. Pride – Excellence Award by Nav Gujarat Samay

(Gujarati Daily).

3. Gujarat State Level Inter bank Sports Competition

Trophy : Champion for sports of Cricket.

4. External Rating of the Bank:Our bank has been

awarded A2+ Rating by CARE – Credit Rating

Agency . It indicates that our bank is financially

sound for timely payment of financial Obligation.

Our bank’s management considers human resources

as an integral part of development of bank. So, to

keep the staff motivated, bank gives them

satisfactory remunerations and other facilities;

productivity linked bonus, promotions, awards,

appreciation certificates etc. Once in a year, a

programme is arranged in which all the employees

are invited with family, and deserving employees are

felicitated publicly. Children of employees are also

felicitated for their feats in sports/educational/

cultural activities.

Bank also publishes in house journal named

‘Karmanya’ to encourage the writing skills of staff.

This journal has become popular because of

informative and varied articles. Library of the bank is

enriched with good number of books, magazines,

etc. Bank invites retired employees in various

functions and maintain relationship with them.

Bank is highly focused on strengthening the existing

talent pool of staff. With the same focus, Bank has

organized many internal / external training

programmes for employees of all departments. thMoreover, bank celebrates national festivals of 26

thJanuary & 15 August with organizing games for

kids of staff for their participation and

entertainment.

Bank conducts coaching classes for JAIIB / CAIIB

examination, the benefit of which is availed by

employees of several other banks also. During the

year, 19 employees of our bank cleared JAIIB, five

employees cleared CAIIB, six employees cleared

AML-KYC certificates, one employee cleared Foreign

Exchange Certificate , three employees cleared

MSME Certification, one employee cleared IT

Security , one employee cleared Diploma in Urban

co-operative Banking. Thus, our employees are

Human Resources Development – Skills

and Knowledge development

35

making great strides in their career. The qualified

staff give better customer service.

Marketing Department has appointed 67 Direct

Selling Agents (DSA) for stamp franking services

during the year. During the year, under Pradhan

Mantri Awas Yojna subsidy claim of Rs. 10.45 Crore

received in 470 accounts. Marketing department also

made efforts for implementing various government

scheme like Atal Pension Yojana, Pradhan Mantri

Employment General programme etc.

Our Board appreciates the efforts of the Bank’s

Marketing Department executive and the team for

their excellent work.

Shri Naginbhai Shah

Shri Naginbhai Shah was ex-branch development

committee member of our Patrakar Colony branch,

Ahmedabad.

Shri Naginbhai Shah was associated with ''Dardionu

Rahat Fund" trust since 56 years.He had started his

social activities since 1964 and serving to the poor

and needy patients living in the society. He was

giving special attention and care whenever any

donations received from well wishers and ensure

that it reaches to the needy people.Till poor patient

completely recovered, he was providing necessary

medicines , fruits without any discrimination of cast

and creed and also provided meals to poor patient's

relatives.In the heart of Naginkaka, there was a

spring of humanity, empathy, compassion that was

constantly flowing. More than five decades,he saved

many lives.He served the poor patients till the last

breath of his life and was a true beginner in social

service. Due to his death, Bank has lost an active

supporter.

Shri Surendrabhai T Savai

Shri Surendrabhai T Savai, our Ex-Director, as well as

current Chairman of Branch Development

Committee at Mumbai passed away on 15.09.2020 at

the age of 81 after a short illness. Shri Surendrabhai

Savai was a successful businessman and associated

with many religious , social and business

organizations holding responsible positions. Native

of Mangrole ( Gujarat) and settled at Mumbai, Shri

Savai was known for his good work for the

institutions with which he was attached.

Activities of Marketing Department

Obituary:

Bank will always remember his valuable contribution

and guidance to the Bank as well as development of

our Kalbadevi Branch, Mumbai. Due to his death

bank has lost a well wisher and active supporter.

His public life in the form of association with Textile

organizations and various Jain Charitable Trusts had

spread fragrance in the form of his dedicated and

selfless service to such organizations.

We pray to the Almighty for giving strength to his

family members to sustain the irreparable loss. Board

of Directors give respectful homage and pray to the

God that the departed soul have NIRVANA and

eternal peace.

Shri Visabhai K Patel ( Paliad)

Shri Visabhai K Patel , Branch Development

Committee Member of our Nava Vadaj Road Branch,

Ahmedabad passed away on 08.04.2020.

Shri Visabhai K Patel was associated with many

organizations and has provided a unique identity to

such organizations through his transparent

administrative skills. He was associated with Karuna

Trust, Ahmedabad, Panjarapole, Panchkuva Kapad

Mahajan, Paliad Pragati Mandal etc. He was always

found to be bold, outspoken and emotional in

nature. Progress of his native place 'Paliad' was

always in his mind . Shri Visabhai K Patel took keen

interest in opening of our New Ranip Branch and the

Branch was inaugurated through his august hands.

He took lots of pain to ensure that our Newly

established New Ranip Branch gets huge new

business leverage. Bank has lost an active supporter

and well wisher. May the God bless the departed

soul with eternal peace.

Shri Ratansang Thakor

Our staff member Shri Ratansang Thakor attached to

our Currency Chest Department passed away

untimely. He was experienced and faithful employee,

who always worked with dedication .

We deeply mourn the death of above persons and

pray God for eternal peace to their soul.

We place on record our sincere thanks and gratitude

to all the members , customers and well wishers for

the confidence reposed in us.

Acknowledgement

36


We would like to place on record our deep sense of

appreciation for the dedicated and committed

services rendered by all the staff members for the

overall growth, development and excellent

performance of the Bank.


to Shri S.K Panigrahy, Regional Director,

RBI,Ahmedabad, Shri J K Dash, Chief General

Manager in charge, Department of Supervision,

RBI,Mumbai, Shri Saurav Sinha , Chief General

Manager in charge, Department of Regulation, RBI,

Mumbai, Shri Ashok Kumar, General Manager

,Department of Supervision, RBI,Ahmedabad, Dr.

Vivek Agrawal, IAS, Joint Secretary(Coop.) & Central

Registrar , New Delhi, Shri Devang Desai, Registrar of

Co-operation, Gujarat State, Shri Jyotindrabhai

Mehta, Chairman, Gujarat Urban Co-op Bank’s

Federation, Shri Ajaybhai Patel, Chairman of

Ahmedabad District Co-op Bank Ltd and Gujarat

State Co-op Bank Ltd for the co-operation extended

to us.


to officials of all the organizations / banks etc. such

as SEBI, NSDL, various banks like Bank of Baroda,

Federal bank, State Bank of India, HDFC Bank, ICICI

Bank, Union Bank of India, Central Bank, SIDBI, ECGC,

FEDAI, CCIL, NPCL, IBA and Foreign Banks like HABIB

American Bank, Commerz Bank AG, who lend

precious help to our bank in day to day work.

We convey our sincere thanks to all the Auditors,

Statutory Auditors, Legal Advisors, Valuers, and

Advocates of the bank. We also convey our special

thanks to legal advisor of our bank Shri Ajitsingh

Jadeja, Shri Hiren Raval,Shri B.R Patel & Co ,Shri

Jatinbhai Sheth for their co-operation during the

year.

We place on record our sincere thanks to all the

members of Board of Directors for their continued

support during the year for professional and

transparent management of our bank. Our particular

thanks to Chairman Emeritus Shri Ambubhai Patel,

Vice Chairman Shri Mineshbhai Patel and Managing

Director Shri P.F. Bharucha for their valuable

guidance and support and prudent councel. We

sincerely thank Professional Director and CA Shri

Kaushikbhai Patel, for his guidance in Bank’s Audit /

inspection as well as in Human Resources

Management and Director Shri Kiritbhai Patel,

Director Shri Nipambhai Shah, CA Shri Ketulbhai

Patel and Shri Rahilbhai Patel for providing their

guidance in I.T. related work. We are thankful to Shri

Sureshbhai N. Patel for providing valuable guidance

as an Advisor to the board.

The Board places on record special thanks to Bank’s

Premises and Equipment Committee member

Director Shri Bipinbhai Shah ,Shri Hasmukhbhai

Patel, Dr. Shri Dineshbhai Amin. Board also places on

record particular thanks to our well-wisher and ex-

MP Shri Surendrabhai M Patel for their guidance.

Board is also thankful to Shri Ambarbhai Patel and

Shri Kiritbhai Patel , Shri Shaileshbhai Sonara for

their contribution to increase finance to MSME

sector. Board also places on record sincere thanks to

Director Smt Mittalben Patel who is serving to Micro

Finance field and Smt Madhviben Patel for her

valuable contribution in development of the Bank.

Board also thanks all the members of Branch

Development Committees for their valued services.

We are very much thankful to General Manager &

CEO Shri Vinodbhai Dadlani,Secretary to Board of

Directors, Shri Mahendrabhai R. Patel, all senior

executives, officers, Branch Managers and staff of the

bank in acknowledgement of their sincere and

dedicated services.

We appreciate the honorary service provided by Shri

Maheshchandra Vyas and Shri Himmatbhai Shah

after retirement from the bank.

We also express our thanks to print and electronic

media for their co-operation from time to time.

We are working with a pledge “Progressive and

Customer Centric Approach for Result Oriented

Banking”. We earnestly desire to make rapid

progress by making our services more and more

efficient and customer friendly. We solicit your co-

operation in our task ahead.

Thank you all, once again.

||AA NO BHADRA: KRATAVO YANTU VISHWAT:

Let noble thoughts come to us from all directions

On behalf of Board of Directors

Navnitbhai C. Patel

Chairman

||

37

(As required under Section 31 of Banking Regulation Act, 1949 as applicable to Co-operative Societies and

section 73(4) of Multi State Co-operative Societies Act, 2002 and Rule 27 of The Multi State Co-operative

Societies Rules)

To,

The Members,

The Kalupur Commercial Co-Operative Bank Ltd.

AHMEDABAD

1. We have audited financial statements of THE KALUPUR COMMERCIAL CO-OPERATIVE BANK LTD.,

AHMEDABAD which comprises of the Balance sheet as at 31ST March 2020, the Profit and Loss

account, and the cash flow statement for the year then ended, and notes to the financial Statements,

including a summary of significant accounting policies and other explanatory information. The returns

of 59 branches audited by us are incorporated in these financial statement .The branches audited by us

have been selected by the bank in accordance with the guidelines issued to the bank by the Central

Registrar of Cooperative Societies.

2. In our Opinion and to the best of our information and according to the explanation given to us, the

aforesaid financial statements together with the notes thereon give the information required by

Banking Regulation Act, 1949, the Multi State Co‐operative Societies Act, 2002 and the Multi State

Co‐operative Societies Rules, 2002 and the guidelines issued by the National Bank for Agricultural and

Rural Development (as applicable) and guidelines issued by Reserve Bank of India, the Central Registrar

of Cooperative Societies and in the manner so required for bank and are in conformity with accounting

principles generally accepted in India and give:

a. true and fair view in case of the Balance sheet, of the state of affairs of theBank as at 31st March,

2020;

b. true balance of profit in case of Profit and loss account for the year ended on that date; and

c. true and fair view in case of statement of cash flows for the year ended on that date.

3. We conducted our audit in accordance with the Standards on Auditing (SAs) issued by ICAI. Our

responsibilities under those standards are further described in the Auditor’s Responsibilities for the

Audit of the Financial Statements section of our report. We are independent of the entity in accordance

with the ethical requirements that are relevant to our audit of the financial statementsand we have

fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the

audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.

We draw your attention to note no.13 to Schedule 1 Notes on Financial statement which describes that

the extent to which COVID 19 Pandemic will impact bank’s operation will depend on future

developments which are highly uncertain.

Our opinion is not modified in respect of this matter

Opinion

Basis for Opinion

Emphasis of matter

Independent Statutory Auditors'Report stfor the Year Ended 31 March 2020

38


Responsibility of Management and Those Charged with Governance for the Financial Statements

Responsibility of Management and Those Charged with Governance for the Financial Statements

Auditor’s Responsibility

4. Due to the outbreak of COVID-19 pandemic that caused nationwide lockdown and other travel

restrictions imposed by the Central and State Governments/ Local administration during the period of

our audit, we could not travel to the Branches and carry out the audit processes thought remote

access.

We have relied on the Details/Documents/Data/records provided to us by the bank through digital

medium including mail and remote access. To this extent, the audit process was carried out on the

basis of such documents, reports and records made available to us which were relied upon as audit

evidence for conducting the audit and reporting for the current period..

Our opinion is not modified in respect of this matter

5. The Bank’s Board of Directors is responsible with respect to the preparation of these financial

statements that give a true and fair view of the financial position, financial performance and cash flows

of the Bank in accordance with the accounting principles generally accepted in India, including the

Accounting Standards issued by ICAI, and with provisions of the Banking Regulations Act, 1949, the

guidelines issued by the Reserve Bank of India and the guidelines issued by the National Bank for

Agricultural and Rural Development, the Central Registrar of Cooperative Societies, the Multi State

Co‐operative Societies Act, 2002, the Multi State Co‐operative Societies Rules, 2002 (as applicable) This

responsibility also includes maintenance of adequate accounting records in accordance with the

provisions of the Act for safeguarding of the assets of the Bank and for preventing and detecting

frauds and other irregularities; selection and application of appropriate accounting policies; making

judgments and estimates that are reasonable and prudent; and design, implementation and

maintenance of adequate internal financial controls, that were operating effectively for ensuring the

accuracy and completeness of the accounting records, relevant to the preparation and presentation of

the financial statements that give a true and fair view and are free from material misstatement, whether

due to fraud or error.In preparing the financial statements, management is responsible for assessing

the entity’s ability to continue as a going concern, disclosing, as applicable, matters related to going

concern and using the going concern basis of accounting unless management either intends to

liquidate the entity or to cease operations, or has no realistic alternative but to do so.

Those charged with governance are responsible for overseeing the entity’s financial reporting process.

6. Our objectives are to obtain reasonable assurance about whether the financial statements as a whole

are free from material misstatement, whether due to fraud or error, and to issue an auditor’s report

that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee

that an audit conducted in accordance with SAs will always detect a material misstatement when it

exists. Misstatements can arise from fraud or error and are considered material if, individually or in the

aggregate, they could reasonably be expected to influence the economic decisions of users taken on

the basis of these financial statements.

As part of an audit in accordance with SAs, we exercise professional judgment and maintain

professional skepticism throughout the audit. We also:

• Identify and assess the risks of material misstatement of the financial statements, whether due to

fraud or error, design and perform audit procedures responsive to those risks, and obtain audit

evidence that is sufficient and appropriate to provide a basis for our opinion. The risk of not

39

detecting a material misstatement resulting from fraud is higher than for one resulting from

error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the

override of internal control.

• Evaluate the appropriateness of accounting policies used and the reasonableness of accounting

estimates and related disclosures made by management.

• Conclude on the appropriateness of management’s use of the going concern basis of

accounting and, based on the audit evidence obtained, whether a material uncertainty exists

related to events or conditions that may cast significant doubt on the bank’s ability to continue

as a going concern. If we conclude that a material uncertainty exists, we are required to draw

attention in our auditor’s report to the related disclosures in the financial statements or, if such

disclosures are inadequate, to modify our opinion. Our conclusions are based on the audit

evidence obtained up to the date of our auditor’s report. However, future events or conditions

may cause the entity to cease to continue as a going concern.

• Evaluate the overall presentation, structure and content of the financial statements, including the

disclosures, and whether the financial statements represent the underlying transactions and

events in a manner that achieves fair presentation.

We communicate with those charged with governance regarding, among other matters, the planned

scope and timing of the audit and significant audit findings, including any significant deficiencies in

internal control that we identify during our audit.

We also provide those charged with governance with a statement that we have complied with relevant

ethical requirements regarding independence, and to communicate with them all relationships and

other matters that may reasonably be thought to bear on our independence, and where applicable,

related safeguards.

7. The Balance Sheet and the Profit and Loss Account have been drawn up in Forms “A” and “B”

respectively of the Third Schedule to the Banking Regulation Act, 1949 and the Multi State

Co‐operative Societies Act, 2002, the Multi State Co‐operative Societies Rules, 2002.

8. Subject to the limitations of the audit indicated in paragraph 7 above and as required by Section 73(4)

of the Multi State Co‐operative Societies Act, 2002, and subject also to the limitations of disclosure

required therein, 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 came to our notice have been within the powers of the Bank;

c) In our opinion, proper books of account as required by law have been kept by the Bank so far as

it appears from our examination of those books and proper returns adequate for the purposes

of our audit have been received from the branches/offices.

d) The Balance Sheet,the Profit and Loss Account and statement of cash Flows dealt with by this

report are in agreement with the books of account and the returns;

e) In our opinion, The Balance Sheet, the Profit and Loss Account and the Statement of Cash Flows

comply with applicable accounting standards, to the extent they are not inconsistent with the

accounting policies prescribed by RBI.

Report on Other Legal & Regulatory Requirements

40


Schedules forming part of Auditors report on the financials of

9. As required under Rule 27(3) of the Multi State Cooperative Societies Rules, 2002, we report on the

matters specified in that Rule as under:-

(a) During the course of audit we have generally not come across anymaterial transactions which

appear to be contrary to the provisions of the Multi‐State Cooperative Societies Act, 2002, the

rules or the bye‐laws of the Bank .

(b) During the course of audit we have not come across material and significant transactions which

appear to be contrary to the guidelines issued by the Reserve Bank of India and National Bank

for Agriculture and Rural Development.

(c) Money belonging to the Bank which appears to be bad or doubtful of recovery (Refer Schedule

A to this report):

(d) As per information given to us and to the best of our knowledge, there are no loans given by the

Bank to the members of the Board except those permissible under RBI guidelines;

(e) During the course of our audit we have generally not come across any violation of guidelines,

conditions etc., issued by the Reserve Bank of India or National Bank for Agriculture and Rural

Development.

(f) To the best of our knowledge, there are no matters that have been specified by the Central

Registrar of Cooperative Societies in this regard.

For, R. S. Patel & Co.

Chartered Accountants

FRN 107758w

Place: Ahmedabad Rajan B. Shah

Date: 28-08-2020 Partner

Membership No.101998

Schedule – A

Category Amount outstanding as on 31.03.2020 (Rs. In lacs)

• The following monies due to the bank appear to be doubtful of recovery (Rule 27(3)(c)).(Advances

categorized as doubtful and loss assets as per prudential norms are considered as doubtful of

recovery):

Doubtful Assets 6274.87

Loss Assets 284.50

Total 6559.37

• Adequate provision has been made against the above advances as per RBI guidelines.

41

1. Capital - þuh ¼tzku¤

1) Authorised Capital - yrÄf]ík þuh ¼tzku¤

1,25,00,00,000 5,00,00,000 Shares of Rs. 25 /- each 1,25,00,00,0005,00,00,000 þuh Ëhuf Yk. 25/- «{kýu

2) Subscribed Capital - çknkh Ãkkzu÷wt þuh ¼tzku¤

91,54,67,275 3,77,78,017 (P. Y. 3,66,18,691) fully paid up shares of Rs. 25/- each 94,44,50,425

3,77,78,017 (Yk. 3,66,18,691 fhkuz ÃkkA÷k ð»koLke) þuh Ëhuf Yk. 25/- «{kýu

3) Amount called up on 3,77,78,017 (P. Y. 3,66,18,691) shares of Rs. 25 /- each

ðMkw÷ ykðu÷ þuh ¼tzku¤ 3,77,78,017(Yk. 3,66,18,691 fhkuz ÃkkA÷k ð»koLke) þuh Ëhuf Yk. 25/- «{kýu

of the above held by

91,54,67,275 a) Individuals - ÔÞÂõíkyku 94,44,50,425

— b) Co-op.Institutions - Mknfkhe MktMÚkkyku —

— c) State Government - hkßÞ Mkhfkh©eyu Äkhý fhu÷ þuh ¼tzku¤ —

2. Reserve Fund & Other Reserves - yLkk{ík ¼tzku¤ yLku yLÞ ¼tzku¤

5,21,61,40,041 1) Statutory Reserve - yLkk{ík ¼tzku¤ (fkÞËkLkwMkkh hk¾ðkLkwt) 5,87,92,93,440

88,01,07,868 2) Building Fund - {fkLk Vtz 1,03,71,91,609

4,77,48,658 3) Dividend Equilization Fund - rzrðzLz Eõðe÷kEÍuþLk Vtz 4,77,48,658

93,46,69,421 4) Bad & Doubtful Debts Reserve - þf{tË ÷uýk Vtz 91,09,38,497

86,41,65,808 5) Investment Depreciation Reserve - hkufkýkuLkk ½Mkkhk yLkk{ík 26,99,99,058

34,53,94,444 6) Investment Fluctuation Fund - hkufký ðÄ½x yLkk{ík 39,67,69,444

7) Other Funds (to be specified) - yLÞ ¼tzku¤ :

7,09,49,735 a) Co-operation Propaganda Fund - Mknfkh «[kh Vtz 7,14,77,936

1,10,61,333 b) Charity Fund - Ä{koËk Vtz 38,95,090

29,60,25,000 c) Spl.Building Fund - MÃku. rçkÕzªøk Vtz 29,60,25,000

4,16,19,996 d) General Welfare Fund - Mkk{kLÞ ðu÷Vuh Vtz 4,16,19,996

2,12,81,675 e) Jubilee Fund - ßÞwçke÷e Vtz 6,05,52,610

7,49,11,153 f) Member/Customer Incentive Fund - Mk¼kMkË, økúknf «kuíMkknLk Vtz 11,41,82,089

8,93,26,908 g) Development Fund - zuð÷Ãk{uLx Vtz 8,93,26,908

1,07,95,20,358 h) Contingency Fund - fÂLxsLMke Vtz 1,07,95,20,358

11,58,00,614 i) Capital Reserve - fuÃkex÷ heÍðo 11,85,70,524

45,68,26,800 j) Contingency Provision Aga. Standard Assets - MxkLzzo yuMkuxTMkLkwt «kurðÍLk 48,45,68,800

32,98,30,996 k) Special Contingency Fund - MÃku. fÂLxsLMke Vtz 32,98,30,996

64,88,69,820 l) Unforseen Losses Reserve - yLkVkuhMkeLk ÷kuMk heÍðo 77,15,91,492

5,88,50,710 m) Provision for Other Assets - «kurðÍLk Vkuh yLÞ yMõÞk{ík 5,88,50,710

31,70,33,000 n) Special Reserve - MÃku~Þ÷ rhÍðo 37,61,33,000

1,50,46,137 o) Staff Welfare Fund - MxkV ðu÷Vuh Vtz 1,50,46,137

53,27,68,226 p) Bad & Doubtful Debts Prov. u/s 36 (1) (viia) 66,63,79,416

«kurðÍLk Vkuh çkuz yuLz nkWMkVq÷ zuçx u/s 36(1)

0 q) General Provision - sLkh÷ «kurðÍLk 40,00,00,000

12,44,79,48,701 13,51,95,11,768

13,36,34,15,976 14,46,39,62,193

31.03.2019Rs.

31.03.2020Rs.Rs.

CAPITAL AND LIABILITIES - ¼tzku¤ íkÚkk Ëuðwt

BALANCE SHEET

íkk. 31-3-2020Lkk

42


1. Cash

On hand and Balance with Reserve Bank of India

3,17,31,67,595 State Bank of India, State Co.op. Bank & Central Co.op. Bank 2,65,18,30,507

nkÚk WÃkh, rhÍðo çkUf ykuV EÂLzÞk, hkßÞ Mknfkhe çkUf,

{æÞMÚk Mknfkhe çkUf{kt

2. Balances with other Banks - yLÞ çkUfku{kt rMk÷f :

1,02,51,37,287 1) Current Deposits - [k÷w¾kíkk 29,72,16,269

9,18,66,96,822 2) Fixed Deposits - çkktÄe {wËíkLke ÚkkÃký 13,38,41,60,346

— 3) Savings Bank Deposits - Mk®ðøMk çkUf ¾kíkk —

10,21,18,34,109 13,68,13,76,615

30,00,00,000 3. Money at call and short notice - fku÷ yLku xqtfe {wËíkLke LkkuxeMkLke ÚkkÃkýku : 1,97,00,00,000

4. Investments - hkufkýku :

17,07,69,12,859 1) In Central & State Government Securities (at book value) 20,52,60,11,286{æÞMÚk yLku hkßÞ Mkhfkhe ò{eLkøkeheyku{kt (¾heË ®f{íku)

Face Value Rs. 2011,15,50,000 - ËþoLkeÞ ®f{ík Yk. 2011,15,50,000

(P. Y. Rs.1,660.75 Cr.) - (Yk. 1660.75 fhkuz ÃkkA÷k ð»koLke)

Market Value Rs. 21,15,35,03,512 - çkòh ®f{ík Yk. 21,15,35,03,512

(P. Y. Rs. 1,692.86 Cr.) - (Yk. 1,692.86 fhkuz ÃkkA÷k ð»koLke)

0 2) In other Trustee Securities 0

çkeS xÙMx ò{eLkøkeheyku{kt

27,57,800 3) In Shares of Co-op. Institutions (other than item (5) below) 27,57,800

Mknfkhe MktMÚkkyku{kt þuhku{kt (Lke[uLke ykEx{ Lkt. 5 rMkðkÞLkk)

14,00,00,000 4) In Shares of Clearing Corp. Of India Ltd. 14,00,00,000

f÷eÞhªøk fkuÃkkuohuþLk ykuV RÂLzÞk þuh

2,30,00,00,000 5) Debt /Money Market Liquid Fund Investment 2,71,00,00,000

3,35,90,86,700 6) Other Investments (Non SLR P.S.U.& A.F.I. Bonds) 4,03,75,16,500çkeò hkufkýku (rðøkík ykÃkðe) (LkkuLk yuMk.yu÷.ykh Ãke.yuMk.Þw.)yLku yu.yuV.ykE.Lkk çkkuLz{kt)

24,99,200 7) NPCI Equity Shares - yuLk.Ãke.Mke.ykE. Eõðexe þuh 24,99,200

22,88,12,56,559 27,41,87,84,786

5. Investments in Principal / Subsidiary - {wÏÞ / økkiý ¼køkeËkhe LkeÄeLkwt hkufký :

State Partnership Fund In Shares of :

— 1) Central Co-op. Bank - MkuLxÙ÷ fku.yku. çkUf —

— 2) Primary Agr. Cr. Soc. - «kÚkr{f Mknfkhe {tz¤eyku —

— 3) Other Socities - yLÞ {tz¤eyku{kt —

36,56,62,58,263 45,72,19,91,908

- hkufz :

hkusLkwt MkhðiÞwtAS AT 31-03-2020

31.03.2020Rs.Rs.

PROPERTIES AND ASSETS - r{÷fík íkÚkk ÷uýwt31.03.2019Rs.

43

14,46,39,62,193

3. Principal / Subsidiary State Partnership Fund Account

(For Share Capital Of)

— 1) Central Co-op. Bank - MkuLxÙ÷ fku-yku. çkUf —

— 2) Primary Agricultural Co-op. Credit Society —«kÚkr{f ¾uíke rð»kÞf Mknfkhe þhkVe {tz¤eyku

— 3) Other Societies - yLÞ {tz¤eykuLkk þuhku{kt —

4. Deposits & Other Accounts - ÚkkÃkýku yLku yLÞ ¾kíkkyku :

1) Fixed Deposits - çkktÄe {wËíkLke ÚkkÃkýku :

50,77,32,75,492 a) Individuals - ÔÞÂõíkyku 57,88,00,76,217

b) Central Co-op.Bank - {æÞMÚk Mknfkhe MktMÚkkyku

73,56,43,840 c) Other Societies - yLÞ {tz¤eyku MktMÚkkyku 1,35,39,15,810

2) Savings Bank Deposits - Mku®ðøMk çkUf ÚkkÃkýku :



c) Other Societies - yLÞ {tz¤eyku MktMÚkkyku

3) Current Deposits - [k÷w ÚkkÃkýku :



6,07,14,680 c) Other Societies - yLÞ {tz¤eyku MktMÚkkyku 1,47,72,280

16,90,77,417 4) Recurring Deposits - hefhªøk ÚkkÃkýku : 21,66,72,463

8,04,402 5) Other Deposits - yLÞ ÚkkÃkýku : 10,56,001

69,39,34,75,526 78,37,02,80,848

5. Borrowings - fhs :

— 1) From Reserve Bank of India (LTRO) - heÍðo çkUf ykuV EÂLzÞk 1,48,00,00,000

— Guj. State Co-op. Bank - hkßÞ Mknfkhe çkUf —

Ahmedabad Dist. Co-op.Bank - {æÞMÚk Mknfkhe çkUfÃkkMkuÚke

— A) Short Term Loans, Cash Credit and Overdrafts,CBLO —

which is secured against Government securities

xqtfe {wËíkLke ÷kuLk, fuþ¢urzx yLku ykuðhzÙk^x Mkeçkeyu÷ykusu økðLko{uLx rMkõÞwhexeÍLkk íkkhý Mkk{u

82,75,68,91,502 94,31,42,43,041

13,36,34,15,976

{wÏÞ / økkiý hkßÞ ¼køkeËkhe LkeÄe :

BALANCE SHEET

íkk. 31-3-2020Lkk 31.03.2019

Rs.31.03.2020

Rs.Rs.CAPITAL AND LIABILITIES - ¼tzku¤ íkÚkk Ëuðwt

44



45,72,19,91,908

6. Advances

24,62,32,79,544 1) Short term loans cash credits 23,16,66,80,549

overdrafts and bills discounted

xqtfe {wËíkLke ÷kuLk, fuþ ¢urzx, ykuðhzÙk^x yLkuðxkðkÞu÷k çke÷ku su Ãkife Lke[u {wsçkLkk íkkhý Mkk{uOf which secured against

a) Government and other approved

securities Rs. 19,46,74,867 (P.Y. 17.71 Cr.)

Mkhfkhe yLku çkeS ò{eLkøkeheyku{ktYk. 19,46,74,867 (Yk. 17.71 fhkuz ÃkkA÷k ð»koLke)

b) Other tangible securities

Rs. 22,97,09,41,955 (P.Y. 2,444.52 Cr.)

çkeS xuLSçk÷ rMkõÞwhexeÍYk. 22,97,09,41,955 (Yk. 2,444.52 fhkuz ÃkkA÷k ð»koLke)

Of the advances amount due from individuals

Rs. 11,52,91,74,512 (P.Y. 161.09 Cr.)

WÃkhLkk rLkŠËü rÄhký Ãkife ÔÞrfík ÃkkMkuYk. 11,52,91,74,512 (Yk. 161.09 fhkuz ÃkkA÷k ð»koLke)

Of the advances amount overdue Rs. 27,93,80,989 (P.Y. 47.67 Cr.)

{wËíkðeíke hf{ Yk. 27,93,80,989 (Yk. 47.67 fhkuz ÃkkA÷k ð»koLke)

Considered bad and doubtful

of recovery Rs. 2,59,44,294 (P.Y. 4.22 Cr.)

ytËkSík ¾hkçk yLku þf{tËYk. 2,59,44,294 (Yk. 4.22 fhkuz ÃkkA÷k ð»koLke)

4,53,00,65,952 2) Medium Term Loans - {æÞ{ {wËíkLke ÷kuLk 4,64,23,18,374

Of which secured against - si Ãkufe Lke[u {wsçkLkk íkkhý Mkk{u

a) Government and other approved

securities Rs. 39,12,039 (P.Y. 0.30 Cr.)

Mkhfkhe yLku çkeS yLÞ ò{eLkøkeheykuYk. 39,12,039 (Yk. 0.30 fhkuz ÃkkA÷k ð»koLke)


Rs. 4,37,80,65,143 (P.Y. 445.36 Cr.)

çkeS xuLSçk÷ rMkõÞwhexeÍYk. 4,37,80,65,143 (Yk. 445.36 fhkuz ÃkkA÷k ð»koLke)

Of the advances amount due from individuals

Rs. 2,25,31,95,358 (P.Y. 197.33 Cr.)

WÃkhLkk rLkŠËü rÄhký Ãkife ÔÞrfík ÃkkMkuYk. 2,25,31,95,358 (Yk. 197.33 fhkuz ÃkkA÷k ð»koLke)

Of the advances amount

overdue Rs. 1,75,70,398 (P.Y. 11.48 Cr.)

{wËíkðeíke hf{ Yk. 1,75,70,398 (Yk. 11.48 fhkuz ÃkkA÷k ð»koLke)

Considered bad and doubtful

of recovery Rs. 12,76,962 (P.Y. 0.54 Cr.)

ytËkSík ¾hkçk yLku þf{tËYk. 12,76,962 (Yk. 0.54 fhkuz ÃkkA÷k ð»koLke)

65,71,96,03,759 45,72,19,91,908

36,56,62,58,263

- rÄhkýku:

31.03.2020Rs.Rs.


45

— a) Govt. and other approved securities Mkhfkhe yLku çkeS {kLÞ ò{eLkøkeheyku

— b) Other tangible securities

xuLSçk÷ MkeõÞwhexeÍ

— B) Medium Term Loans —

Of which secured against

{æÞ{ {wËíkLke ÷kuLk su Ãkife Lke[u {wsçkLkk íkkhý Mkk{ua) Government and other approved securities

Mkhfkhe yLku çkeS {kLÞ ò{eLkøkeheykub) Other tangible securities

xuLSçk÷ MkeõÞwhexeÍ— C) Long Term Loans —

Of which secured against

a) Government and other approved securitiesMkhfkhe yLku çkeS {kLÞ ò{eLkøkeheyku

b) Other tangible securitiesxuLSçk÷ MkeõÞwhexeÍ

2. From the State Bank of India - Mxux çkUf ykuV RÂLzÞk ÃkkMkuÚke— A) Short term loanscash credit and overdrafts —

Of which secured againstxqtfe {wËíkLke ÷kuLk, fuþ ¢urzx yLku ykuðhzÙk^x Ãkifea) Government and other approved securities


xuLSçk÷ MkeõÞwhexeÍ— B) Medium Term Loans Of which secured against —

{æÞ{ {wËíkLke ÷kuLk su Ãkife Lke[u {wsçkLkk íkkhý Mkk{ua) Government and other approved securities


xuLSçk÷ MkeõÞwhexeÍ— C) Long Term Loans Of which secured against —

÷ktçke {wËíkLke ÷kuLk a) Government and other approved securities


xuLSçk÷ MkeõÞwhexeÍ3. From the State Government

hkßÞ Mkhfkh ÃkkMkuÚke— A) Short Term Loans —

xqtfe {wËíkLke ÷kuLk ÃkifeOf which secured against

a) Government and other approved securitiesMkhfkhe yLku çkeS {kLÞ ò{eLkøkeheyku

b) Other tangible securitiesxuLSçk÷ MkeõÞwhexeÍ

82,75,68,91,502 94,31,42,43,041

82,75,68,91,502 94,31,42,43,041

—

BALANCE SHEET

íkk. 31-3-2020Lkk 31.03.2019

Rs.31.03.2020


46



45,72,19,91,908

3) Long Term Loans - 21,37,33,78,085

Of which secured againstLke[u {wsçkLkk íkkhý Mkk{ua) Government and other approved

securities Rs. 3,93,120 (P.Y. 0.10 Cr.)Mkhfkhe yLku çkeS {kLÞ ò{eLkøkeheykuYk. 3,93,120 (Yk. 0.10 f÷uz ÃkkA÷k ð»koLke)


Rs. 21,37,29,84,965 (P.Y. 1761.37 Cr.)

çkeS xuLSçk÷ rMkõÞwhexeÍYk. 21,37,29,84,965 (Yk. 1761.37 fhkuz ÃkkA÷k ð»koLke)Of the advances amount due from individuals

Rs. 1,61,39,30,914 ( P.Y. 917.02 Cr.)

WÃkhLkk rLkŠËü rÄhký Ãkife ÔÞrfík ÃkkMkuYk. 1,61,39,30,914 (Yk. 917.02 fhkuz ÃkkA÷k ð»koLke)Of the advances amount

overdue Rs. 26,24,17,746 (P.Y. 22.22 Cr.)

{wËíkðeíke hf{ Yk. 26,24,17,746 (Yk. 22.22 fhkuz ÃkkA÷k ð»koLke)Considered bad and doubtful

of recovery Rs. 12,29,142 (P.Y. 0.14 Cr.)

ytËkSík ¾hkçk yLku þf{tËYk. 12,29,142 (Yk. 0.14 fhkuz ÃkkA÷k ð»koLke)

46,76,80,29,325 49,18,23,77,008

1,52,24,44,891 7. Interest Receivable - {¤ðkÃkkºk ÔÞks : 1,54,23,83,270

Of which overdue considered bad

and doubtful of recovery Rs. 72,57,36,328

(P.Y. Rs. 82,03,20,743) (as per contra)

su Ãkife {wËíkðeíke ÔÞksLke hf{Yk. 72,57,36,328 (Yk. 82,03,20,743 fhkuz ÃkkA÷k ð»koLke)(Mkk{u ËþkoÔÞk {wsçk) ytËkS ¾hkçk yLku þf{tË.

7,42,11,98,705 8. Bills Receivable being - çkeÕMk heMkeðuçk÷ ¾kíku : 9,70,09,32,234

bills for collection (as per contra)(Mkk{u ËþkoÔÞk {wsçk)

0 9. Branch Adjustments - þk¾kyku ¾kíku (yuzsMx{uLx) 0

92,27,79,31,184 1,06,14,76,84,420

65,71,96,03,759

17,61,46,83,829 ÷ktçke {wËíkLke ÷kuLk si Ãkife

31.03.2020Rs.Rs.


47

94,31,42,43,041

— B) Medium Term Loans

{æÞ{ {wËíkLke ÷kuLk Ãkife

a) Government and other approved securities

Mkhfkhe yLku çkeS {kLÞ ò{eLkøkeheyku



— C) Long Term Loans Of which secured against —

÷ktçke {wËíkLke ÷kuLk Ãkife

a) Government and other approved securities

Mkhfkhe yLku çkeS {kLÞ ò{eLkøkeheyku



— 4) Loans from other sources - yLÞ MkkÄLkkuÚke ÷eÄu÷ ÷kuLk

(Sources and securities to be specified)(MkkÄLk yLku ò{eLkøkehe çkíkkððe)

7,42,11,98,705 6. Bills for collection being bills receivable (as per contra) 9,70,09,32,234çkeÕMk Vkuh f÷uõþLk : (Mkk{u ËþkoÔÞk {wsçk)

0 7. Branch Adjustments 0þk¾kyku ¾kíku (yuzsuMx{uLx)

85,07,54,001 8. Overdue Interest Reserve (as per contra) 75,60,12,140{wËík çknkhLkk ÔÞks {kxu yLkk{ík : (Mkk{u ËþkoÔÞk {wsçk)

10,20,57,917 9. Interest Payable - [qfððkÃkkºk ÔÞks 7,18,82,909

10. Other Liabilities - yLÞ sðkçkËkheyku

17,19,34,279 1) Bills Payable - çkeÕMk Ãkuyuçk÷ 31,95,87,581

6,300 2) Share Application Money - þuh yuÃ÷efuþLk {Lke 6,300

1,18,57,065 3) Unclaimed Dividend - rzrðzLz ykÃkðkLkwt çkkfe 1,27,91,120

83,00,81,279 4) Sundries (with clearing adjustments) - Ãkh[whý (õ÷eÞhªøk nkWMk Mkrník) 89,46,34,397

1,76,86,546 5) Staff Bonus - MxkV çkkuLkMk 1,93,88,524

5,94,26,425 6) Education Fund - rþûký Vk¤k 6,88,88,265

1,22,68,00,000 7) Income Tax Provision - ELf{xuûk «kuðeÍLk 1,80,68,00,000

11,94,09,291 8) Deferred Tax Liability - ze^zo xuûk ÷kÞkçke÷exeÍ 11,09,67,114

2,43,72,01,185 3,23,30,63,301

93,56,81,03,310 1,08,07,61,33,625

82,75,68,91,502

Of which secured against —

BALANCE SHEET

íkk. 31-3-2020Lkk 31.03.2019

Rs.31.03.2020


48



1,06,14,76,84,420

10. Premises / Building (Less : Depreciation) 65,53,12,138MÚkkðh r{Õfík : (½Mkkhk çkkË)

1,83,76,729 11. Capital work in Progress - fuÃkex÷ ðfo ELk «kuøkúuMk 0

12. Furniture Fixture & Other Fixed Assets (Less : Depreciation) hk[hMke÷wt, szíkh íkÚkk yLÞ MÚkkðh yMfÞk{fíkku (½Mkkhk çkkË)

14,81,59,679 (I) Furniture & Fixture 14,83,19,121hk[h[e÷wt íkÚkk szíkh

5,93,64,522 (ii) Safe Deposit Vault 5,70,77,933÷kufh

62,10,507 (iii) Vehicles 51,31,609ðknLkku

5,03,25,394 (iv) I.T Equipments 5,90,27,071 ykE.xe. MkkÄLkku

21,12,134 (v) Solar Power Plant 15,84,100 Mkku÷h Ãkkðh Ã÷kLx

26,61,72,236 27,11,39,834

13. Other Assets (to be specified) - yLÞ yMfÞk{íkku :

8,35,16,306 1) Stationery Stocks & Postal Stamps 12,76,64,941MxuþLkhe íkÚkk ÃkkuMx÷ MxuBÃkMk

12,71,15,900 2) Other Deposits 12,12,24,707

yLÞ rzÃkkuÍexku

13,29,66,702 3) Sundries (with clearing adjustments) 13,56,07,294Ãkh[whý (õ÷eÞhªøk nkWMk Mkrník)

1,30,43,26,124 4) Advance Income Tax & TDS 1,90,25,29,025 yuzðkLMk ELf{xuûk íkÚkk xe.ze.yuMk.

1,64,79,25,032 2,28,70,25,967

— 14. Non banking assets acquired - in satisfaction of claims —Ëkðkyku Ãkuxu «kó fhu÷e yMfÞk{íkku

— 15. Profit & Loss Account - LkVk - LkwõþkLk ¾kíku —

94,79,53,20,033 1,09,36,11,62,359

92,27,79,31,184

58,49,14,852

31.03.2020Rs.Rs.


49

1,08,07,61,33,625

11. Profit & Loss Account -

1,10,24,26,735 Profit as per last Balance Sheet 1,22,72,16,723økÞk ð»koLkk MkhðiÞk {wsçk LkVku

1,10,24,26,735 Less : Appropriation 1,22,72,16,723çkkË : Vk¤ðýe

— —

1,22,72,16,723 Add : Profit for the year brought from the 1,28,50,28,734 1,28,50,28,734

Profit and Loss AccountW{uhku : [k÷w Mkk÷Lkk LkVk-íkkuxkLkk rnMkkçk {wsçk LkVku

12. Contingent Liabilities - ykfÂM{f sðkçkËkheyku : 1) Outstanding liabilities for

L/C, Guarantees issuedykÃku÷e yu÷.Mke. yLku økuhtxeyku Mkk{uRs. 6,26,65,69,692 ( P.Y. Rs. 641.22 Cr.) Yk. 6,26,65,69,692 (Yk. 641.22 fhkuz ÃkkA÷k ð»koLke)

2) Forward Contracts (Forex)

Rs. 33,27,88,19,000 (P.Y. Rs. 3,263.96 Cr.) Vkuhðzo fkuLxÙuõx (Vkuhuûk) Yk. 33,27,88,19,000(ÃkkA÷k ð»koLke Yk. 3,263.96 fhkuz)

3) Liabilities of DEAF Rs. 9,24,32,026 (P.Y. Rs. 7.63 Cr.) Yk. 9,24,32,026 (ÃkkA÷k ð»koLke Yk. 7.63 fhkuz)

93,56,81,03,310

LkVk - LkwõþkLk ¾kíkw :

94,79,53,20,033 1,09,36,11,62,359

BALANCE SHEET

íkk. 31-3-2020Lkk

Significant Accounting Policies & Notes on Accounts Schedule - I

Navnitbhai Chimanlal Patel

Chairman

Vinod G. Dadlani

General Manager & CEO

Date : 28.08.2020

Place : Ahmedabad

Subject to our report of even date



FRN No. 107758W

Rajan B. Shah

Partner

Membership No. 101998

Date : 28.08.2020

Place : Ahmedabad

31.03.2019Rs.

31.03.2020Rs.Rs.

CAPITAL AND LIABILITIES - ¼tzku¤ íkÚkk Ëuðwt

50



31.03.2020Rs.Rs.


Directors

Shri Maganbhai





Ambubhai Patel Shri Ambarbhai Jayantilal Patel





Percy Faramroj Bharucha

Managing Director

Mineshbhai Jashbhai Patel

Vice Chairman

94,79,53,20,033 1,09,36,11,62,359

94,79,53,20,033 1,09,36,11,62,359

51

1) Interest on deposits, borrowings, etc. - 4,49,72,14,015

56,88,75,799 2) Salaries and Allowances, Provident Fund & Bonus etc. - Ãkøkkh, ¼ÚÚkk, «ku. Ãktz íkÚkk çkkuLkMk ðøkuhu 73,11,79,570

— 3) Directors & Local Committee Members' Fees & allowances - —rzhuõxMko, yLku MÚkkrLkf fr{xeLkk MkÇÞkuLke Ve íkÚkk ¼ÚÚkk

13,27,93,430 4) Rent, Taxes, Insurance, Lighting etc. - ¼kzwt, fhðuhk, ðe{ku, ðes¤e rðøkuhu 14,68,31,880

25,62,968 5) Legal Fees - ÷eøk÷ Ve 20,82,827

2,05,13,055 6) Postage, Telegram & Telephone Charges - íkkh, xÃkk÷ yLku xur÷VkuLk [kSoMk 1,99,86,609

60,47,142 7) Audit Fees - ykurzx Ve 66,92,336

11,70,22,642 8) Depreciation and repairs to Property - ½Mkkhku yLku r{÷fík {hk{ík 12,56,70,297

1,98,93,569 9) Stationery, Printing & Advertisement, etc. - MxuþLkhe, AkÃkfk{, ònuh¾çkh ðøkuhu 2,07,60,461

21,10,55,893 10) Other Expenditure - yLÞ ¾[o 37,56,70,194

0 11) General Provision - sLkh÷ «kurðÍLk 40,00,00,000

3,00,00,000 12) Contigency Provision Aga. Std. Assets - MxkLzzo yuMkuxLkwt «kurðÍLk 2,75,00,000

1,54,43,389 13) Bad Debt Written off - çkuz zuçx hexLko ykuV 5,06,53,985

6,26,00,000 14) Special Reserve - MÃkuþeÞ÷ heÍðo 5,91,00,000

0 15) Investment Depereciation Reserve - heÍðo 4,44,96,250

19,57,08,273 16) Bad & Doubtful Debt Provision U/S 36(1) (viia) of I.T Act.1961 ( 2014) 18,13,44,224

«kurðÍLk Vkuh çkuz yLku zkWxVq÷ zuçx U/S 36(1) (viia) yuV.ykE.xe. yuõx 1961 (2014)

67,78,17,981 17) Income Tax Provision (Net of Deffered Tax Assets Rs. 84,42,177/- ) 57,15,57,823

(P.Y .Inciuding Deffered Tax Liabilities Rs.1,18,17,981/-)

ELf{xuûk «kurðÍLk (çkkË: rz^zo xuûk yuMkuxTMk Yk. 84,42,177 [k÷w Mkk÷u)(rz^zo xuûk ÷kÞuçke÷exe Yk. 1,18,17,981 ÃkkA÷k ð»koLke)

1,22,72,16,723 18) Profit carried forward to Balance Sheet - LkVku su MkhðiÞk{kt ÷E økÞk 1,28,50,28,734

3,84,85,75,877 ÚkkÃkýku yLku fhs WÃkh ÔÞks

8,54,57,69,2057,13,61,26,741

31.03.2019Rs.

31.03.2020Rs.Rs.

EXPENDITURE - ¾[o

PROFIT AND LOSS ACCOUNT FOR

íkk. 31-3-2020Lkk hkus Ãkwhk Úkíkk

Significant Accounting Policies & Notes on Accounts Schedule - I

Navnitbhai Chimanlal Patel

Chairman

Vinod G. Dadlani


Date : 28.08.2020

Place : Ahmedabad

Subject to our report of even date



FRN No. 107758W

Rajan B. Shah

Partner

Membership No. 101998

Date : 28.08.2020

Place : Ahmedabad

52

1) Interest & Discount - 7,16,17,49,174

(Of which Interest from Investment Rs. 2,74,44,27,330/-)

( P.Y. Rs. 2,56,88,74,029/-)

(su Ãkife hfkýku Mkk{u {¤u÷ ÔÞks Yk. 2,74,44,27,330/-)

(Yk. 2,56,88,74,029/- ÃkkA÷k ð»koLke)

12,89,06,314 2) Commission Exchange & Brokerage - f{eþLk, ðxkð yLku Ë÷k÷e 14,72,46,503

— 3) Subsidies & Donations - MkçkMkeze yLku zkuLkuþLk —

— 4) Income from non banking assets and profit from —

sale or dealing with such assets

LkkuLk çkUfªøk yMfÞk{íkkuLkk ðu[ký yøkh nuhVuhÚke ÚkÞu÷ ykðf

43,26,06,447 5) Other Receipts - çkeS ykðf 51,79,97,904

1,37,76,514 6) Profit on Sale of assets (Net of loss) - yMfÞk{íkkuLkk ðu[kýÚke ÚkÞu÷ LkVku 5,56,351

1,36,86,706 7) Prudential W/O Recovery - «wzuLþeÞ÷ hkEx ykuV hefðhe 14,02,288

0 8) Bad and Doubtful Debt Written Back 2,75,00,000

çkuz yuLz zkWxVw÷ zuçx hexLko çkuf

1,54,43,389 9) Bad and Doubtful Debt u/s (36) (i) (viiia) of I.T. Act written back 5,06,53,985

çkuz yuLz zkWxVw÷ zuçx u/s (36) (i) (viiia) of ykE.xe. yuõx hexLko çkuf

0 10) Investment Depreciation Reserve Written Back 63,86,63,000

ELðuMx{uLx zur«rMkyuMkLk heÍðo hexLko çkuf

0 11) Loss (if any) 0

6,53,17,07,371 ÔÞks yLku ðxkð

8,54,57,69,2057,13,61,26,741

ð»koLkwt LkVk-LkwõþkLk ¾kíkwtTHE YEAR ENDED 31-03-2020


Percy Faramroj Bharucha

Managing Director

Mineshbhai Jashbhai Patel

Vice Chairman

31.03.2019Rs.

31.03.2020Rs.Rs.

INCOME - ykðf

Directors

Shri Maganbhai





Ambubhai Patel Shri Ambarbhai Jayantilal Patel





53

SCHEDULE - I

NOTES FORMING PART OF BALANCE SHEET & PROFIT & LOSS ACCOUNT FOR THE YEAR

ENDED 31.03.2020

(A) SIGNIFICANT ACCOUNTING POLICIES :

1. ACCOUNTING CONVENTION

2. USE OF ESTIMATES :

3. ADVANCES :

4. Property Plant and Equipment:

The financial statements are prepared by following the going concern concept on historical cost basis unless otherwise

stated and conform to statutory provisions and practices prevailing in India. These Statements confirm with the

applicable statutory provision, accounting standards (AS) issued by The Institute of Chartered Accountants of India and

generally accepted Accounting principles prevalent in the banking industries in India and regulatory norms/guidelines

prescribed by Reserve bank of India and Banking Regulation Act,1949 and Multi-State Co operative Societies Act,2002.

The preparation of 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 and

disclosure of contingent liabilities at the date of the financial statements and the results of operations during the

reporting period end. Although these estimates are based upon management's best knowledge of current events and

actions, actual results could differ from these estimates.

(a) In terms of guidelines issued by the RBI, advances to borrowers are classified into “Performing” or “Non-

Performing” assets based on recovery of principal / interest. Non-Performing Assets (NPAs) are further classified as

Sub-Standard, Doubtful and Loss Assets.

(b) Provision for Standard Assets is made at the flat rate of 1%.

(c) N.P.A. Provision :

Provisions for losses made on non performing advances are on the basis of assets classification and provisioning

requirement as per the prudential norms prescribed by the Reserve Bank of India and revised from time to time as

under:

i) Substandard = 10%

II) Doubtful = 100% of unsecured portion plus

20%/30%/100% of the secured portion depending on the period

for which the advances has remained doubtful.

iii) Loss Assets = 100%

(d) Additional Provisions carried in accounts over and above requirements under the prudential norms prescribed by

the Reserve Bank of India, which can be considered as earmarked reserve is as follows.

i. Bad & Doubtful Debts Provision u/s 36 (1) (viia)

ii. Bad & Doubtful Debts Reserve

(e) The overdue interest in respect of advances is provided separately under Overdue Interest Reserve as per the

directive issued by the Reserve Bank of India.

a) Property plant and equipment are stated at their historical cost less accumulated depreciation. Cost includes

incidental expenses incurred on acquisition of assets.

b) Premises and other assets (including land wherever the cost of land is not segregated) are depreciated on written

down value method at the following rates.

54


c) Depreciation on I.T. equipments & Software is provided @ 33.33% on straight-line method as per RBI guidelines.

d) Depreciation on Property , plant and equipments purchased during the year is charged for the entire year if the

assets are purchased and retained for 180 days or more. Otherwise it is charged at 50% of the normal rate. No

Depreciation is charged on Property, Plant and equipments sold during the year..

(a) The entire Investment portfolio of the bank is classified, in accordance with the Reserve Bank of India guidelines,

into three categories:

I. Held to maturity comprising of Investments acquired with the intention to hold them till maturity.

II. Held for trading comprising of investments acquired with the intention to trade.

III. Available for sale comprising of investments, which are not classified in above two categories.

(b) Investments are further categorised as :

i) Central & State Government Securities

ii) Approved Trustee Securities

iii) Shares of Co-operative Banks

iv) Shares

v) Other Investments (P.S.U. & A.F.I. Bonds)

vi) Debt/Money Market Liquid Fund 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 marked to market scrip wise and the resultant

depreciation is recognized in profit & loss account. Net appreciation is ignored.

(e) Treasury Bills under all the classifications are shown at carrying cost.

(f) Profit or loss on sale of investments held for trading and available for sale is taken to the profit and loss account.

(g) Broken Period Interest on debt instrument is treated as a revenue item, brokerage, Commission etc. pertaining to

investments paid at the time of acquisition is charged to revenue.

(h) Shifting from Held for Trading (HFT) category to Available for Sale (AFS) category is done at the Acquisition Cost

or Book Value or Market Value on the date of transfer, whichever is the least, and the depreciation, if any, on such

transfer is provided.

(i) Valuation of central and state government securities, PSU bonds are done as per RBI guidelines at timely interval.

Shares of co-operative Banks and other shares of company’s are stated at cost..Mutual Funds are valued at cost or

Net asset value whichever is less.

(j) The securities sold and purchased under the REPO/ Reverse Repo are accounted for as a collaterised borrowing/

Lending transactions and are accounted for as per RBI circular in this regard.

5. INVESTMENTS:

Sr. No. Particulars Rate of Depreciation

1. Building 5 %

2. Furniture Fixtures

A. General 15 %

B. Electric Items 25 %

3. Electric Fittings 20 %

4. Motor Vehicles 20 %

5. Lifts 25 %

6. A.C. Plant 25 %

7. Safe deposit vault 15 %

55

6. REVENUE RECOGNITION

7. EMPLOYEE BENEFITS:

8. ACCOUNTING FOR AMALGAMATION

9. ACCOUNTING FOR TAXES ON INCOME :

Income/Expenditure are accounted on accrual basis except the following, which are accounted for on cash basis.

(a) Income:

i. Interest and other income on Non Performing Assets are recognized as per RBI guidelines.

ii. PMJBY commission is recognized on receipt basis.

iii. Income from units of mutual fund investments are recognized on receipt basis.

I. Short Terms Employment Benefits

The undiscounted amount of short term employee benefits expected to be paid in exchange for services rendered

by employees is recognized during the period when the employee renders the services.

II. Post Employment Benefit Plans

a. Defined Contribution Plans:

• The Bank has Defined Contribution Plans for post employment benefits, charged to Profit & Loss Account, in

form of:

- “Provident Fund / Employee’s Pension Fund” administered by the Regional Provident Fund Commissioner.

b. Defined Benefit Plans :

• Funded Plan : The Bank has Defined Benefit Plan for post employment benefit in the form of Gratuity for all

employees administered through Trust, funded with Life Insurance Corporation of India.

- Liability for the above is provided on the basis of Actuarial valuation, as at the Balance Sheet date. The

Actuarial method used for measuring the liability is the “Projected Unit Credit Method.

III. Long Term Employment Benefits

The liability in respect of Compensated Absences which are expected to be availed or encashed beyond 12

months from the end of the year is treated as long term employment benefits. The Bank's liability is actuarially

determined using the Projected Unit Credit method at balance sheet date & funded with Life Insurance

Corporation of India.

IV. The Actuarial gains and losses arising during the year are recognized in the Profit & Loss account for the year.

Accounting for Amalgamation in case of amalgamated Banks with the Bank is carried out as per the guidelines issued

by the RBI, from time to time.

Current year tax is determined as the amount of tax payable in respect of taxable income for the year.

Deferred tax is recognized on timing difference between the accounting income and tax income that originate in one

period and are capable of reversal in one or more subsequent periods. Break up of Deferred Tax Liability (Net) as on

31.03.2020 is as under

Particulars Deferred tax Current year Deferred tax

(Liability) / (Charge)/ Credit (Liability) /

Asset as on to profit and Assets as on

31/03/2019 loss account 31/03/2020

• Difference between book depreciation -72.91 -17.72 -90.63

and depreciation as per income tax

(Including Goodwill)

• Special Reserve u/s 36(1)(viii) of -1106.44 186.02 -920.42

Income Tax Act, 1961

• Gratuity & Leave Encashment -14.74 -83.88 -98.62

• Disallowance u/s 40(1)(ia) 0 0.00 0

• Deferred Tax Liability (Net) -1194.09 84.42 -1109.67

(Rs. in Lacs)

56


10. FOREIGN CURRENCY TRANSACTIONS:

11. EVENTS OCCURING AFTER THE BALANCE SHEET DATE

12. PROVISION

13. Impairment of Assets:

14. Cash and Cash Equivalents:

(B) NOTES ON ACCOUNTS :

1. Foreign currency transactions are recorded on initial recognition in the reporting currency by applying to the

foreign currency amount of the exchange rate between the reporting currency and the foreign currency on the

date of the transaction.

2. Foreign currency monetary items are reported using the Foreign Exchange Dealers Association of India (FEDAI)

closing spot rates and exchange difference arising on the same is recognized in profit and loss account.

3. Contingent liabilities denominated in foreign currency are reported using the FEDAI closing spot rates.

4. Outstanding foreign exchange spot and forward contracts held for trading are revalued at the exchange rates

notified by FEDAI for specified maturities and the resulting profit or loss is included in the profit and loss account.

5. Exchange difference arising on the settlement of monetary items at rates different from those at which they were

initially recorded are recognized as income or expense in the period in which they arise.

Material adjusting events (that provides evidence of condition that existed at the balance sheet date) occurring after the

balance sheet date are recognized in the financial statements. Non adjusting events (that are indicative of conditions

that arose subsequent to the balance sheet date) occurring after the balance sheet date that represents material change

and commitment affecting the financial position are disclosed in the reports of the Board of Directors.

Provisions involving substantial degree of estimation in measurement are recognized when there is a present obligation

as a result of past events and it is probable that there will be an outflow of resources even though the amount cannot

be determined with certainty and represents only a best estimate in the light of available information. Contingent

liabilities are not recognized but are disclosed in the notes. Contingent assets are neither recognized nor disclosed in

the financial statements.

A substantial portion of the bank's assets comprise of `financial assets` to which Accounting standard 28 “Impairment of

assets” is not applicable. In respect of assets to which Standard applies, in the opinion of the management, there are no

indications, internal or external, which could have the effect of impairing the value of the assets to any material extent

as at 31st March, 2020 requiring recognition in terms of the said standard.

Cash and cash equivalents include cash on hand and in ATM, balances with Reserve Bank of India, State Co. Op. Bank,

District Co. Op. Bank & Balances with other banks in current account.

1. The Bank continues to be registered under Multi-State Co-op. Societies Act 1984 (as amended from time to time)

since 08.09.1995 on obtaining such registration. The bank has thereafter preferred to cancel the registration under

Gujarat State Co-operative Societies Act. 1961 effectively from 02.07.1996. The bank is having 56657 shareholders

as on 31-03-2020. No shareholder is holding more than 2.5% of the total shareholding of the bank.

57

2. Under normal business transactions the bank has sanctioned loans to the members of the board of Directors

aggregating to Rs 504.60 Lacs (Previous Year 750.54Lacs) The aggregate balance outstanding as at 31.03.2020 is

Rs.36.30 Lacs (Previous Year Rs.113.75 Lacs) . All advances are in the nature of overdraft against fixed deposit and

are as per RBI Guidelines.

3 Provision for Non-Performing Assets

4. Previous year figures have been regrouped / rearranged to the extent necessary / practicable.

5. Estimated amount of contracts remaining to be executed on capital account & not provided for (Net of Advances):

C.Y. Rs. 89.54 lacs (P.Y. Rs.132.21 lacs).

6. Contingent Liabilities

Particulars Bad & Doubtful Debts Reserves &

Bad & Doubtful Debts Provision u/s 36 (1) (viia)

Balance as on 31.03.2020 15773.17

Less: Provision required 9416.51

Excess Provision held 6356.66

Sr. No. Particulars 31.03.2020 31.03.2019

A Contingent liabilities in respect of Bank guarantees,

Letters of credit, Forward contracts etc.

1 Bank Guarantee & Letter of Credit (including Buyers’ Credit) 62665.70 64122.37

2 Forward Contract (Forex) 332788.19 326396.38

B Claims not acknowledge as Debt

1 Income Tax Assessment order contested 21.03 369.61

Particulars 2019-2020 2018-2019

Opening balance of amount transferred to DEAF 762.85 653.16

Add : Amount transferred to DEAF during the year 166.41* 118.34

Less : Amount reimbursed by DEAF towards claims 4.94 8.65

Closing balance of amount transferred to DEAF 924.32 762.85

(Rs. in Lacs)

(Rs. in Lacs)

(Rs. in Lacs)

Above Income Tax demand comprises of disputed cases where Bank has filed appeals against the demand and is

confident to get favorable judgment.

In terms of DBOD circular No. DEAF Cell.BC.114/30.01.002/2013-14 dated May 27,2014, the Bank has transferred credit

balances amounting to Rs.166.41 lakhs(Previous year: 118.34 lakhs)(mentioned in sub-clause 1)to viii) in clause 3 of

DEAF Scheme 2014) maintained with the bank which have not been in operation for 10years or more. The required

disclosure as per the said circular is as under:

7. Bank has paid DICGC premium of 4,67,32,835/- (including GSTof Rs.84,11,910/-) for half year ending 31st March,

2020 insuring deposits of Rs 7788.80 crores.

8. Employees’ Benefits

In accordance with Accounting Standard (AS–15) “Employees Benefits”(Revised 2005), issued by the Institute of

Chartered Accountants of India, the obligation of the bank, on account of employee benefit, based on

independent actuarial valuation is accounted for in the books of account.

*Amount transfer to DEAF during the year includes Rs.40.61 Lacs Transfer from Shree Siddhi Co-operative Bank.

58


The Bank has classified the various benefits provided to employees as under :

(I) Defined Contribution Plans :

Provident Fund / Employees' Pension Fund

During the year, the bank has recognized the following amounts in the Profit & Loss Account.

(II) Defined Benefit Plans:

(i) Contribution to Gratuity Fund

(ii) Contribution to leave encashment liability.

In accordance with Accounting Standard 15, relevant disclosures are as under.

(A) Changes in Defined Benefit Obligation

(i) Gratuity (Rs. In Lacs)

Employer’s Contribution to Provident Fund 220.16

(178.16)

Employers’ Contribution to Pension fund 116.47

(101.46)

The above amounts are included in salaries allowances & Provident Funds in the Profit & Loss Accounts.

Particulars 2019-2020 2018-2019

Defined Benefit Obligation as at the beginning of the year 2296.74 2095.30

Current Service Cost 221.77 172.53

Interest Cost 169.96 159.24

Benefit Paid -223.44 -165.29

Plan Amendment - 13.39

Past service Cost - -

Actuarial (gain) / loss on Obligations 241.11 21.57

Defined Benefit Obligation as at the end of the year 2706.14 2296.74

(ii) Leave Encashment (Rs. In Lacs)

Particulars 2019-2020 2018-2019

Defined Benefit Obligation as at the beginning of the year 2191.73 1978.54



Benefit Paid -157.34 -102.96

Actuarial (gain) / loss on Obligations 263.69 -17.86


(Rs. In Lacs)

(B) Changes in the Fair Value of Plan Assets (Funded Scheme)


Particulars 2019-2020 2018-2019

Fair Value of Plan as at the beginning of the year 2531.49 2355.44

Expected Actual Return on plan Assets 196.72 172.84

Actuarial Gains/(Losses) -25.38 2.31

Contributions 480.25 166.19

Benefit Paid -223.44 -165.29

Fair Value of Plan Assets as at the end of the year 2985.46 2531.49

59

(C) Amount recognized in the Balance Sheet:


Particulars 2019-2020 2018-2019



Liability / (Asset) recognized in the Balance Sheet included (279.32) (234.75)

in other liabilities and other assets respectively.


Particulars 2019-2020 2018-2019

Fair Value of Plan as at the beginning of the year 2546.01 2265.18

Expected Actual Return on plan Assets 182.57 168.37

Actuarial Gains/(Losses) -9.42 1.90

Contributions 250.48 213.52

Benefit Paid -157.34 -102.96



Particulars 2019-2020 2018-2019



Liability / (Asset) recognized in the Balance Sheet included in (112.55) (354.28)

other liabilities and other assets respectively.

(D) Expenses recognized in the Profit & Loss Account:


Particulars 2019-2020 2018-2019



Plan Amendment - 13.39

Past Service Cost - -

Expected Return on Plan Assets -196.72 -172.84

Net actuarial (gain)/ Loss recognized in the period 266.49 19.26

Total Expenses recognized in the P&L Account. 461.50 191.58


Particulars 2019-2020 2018-2019



Expected Return on Plan Assets -182.57 -168.37

Net actuarial (gain)/ Loss recognized in the period 273.11 -19.76

Total Expenses recognized in the P&L Account. 492.21 145.88

60


e) Mortality rates considered are as per the published rates in the Life Insurance Corporation (1994-1996) Mortality

table.

f) The estimates of future salary increases are considered in the actuarial valuation, taken on account of inflation,

security, promotion and other relevant factors such as supply and demand in the employment market.

9. The Bank is a Co-operative society under the Multi State Co-operative Society Act, 2002 and there are no related party

requiring disclosure under the AS-18 issued by the ICAI, other than one Key Management Personnel, viz. Mr. Vinod G.

Dadlani, General Manager & CEO of the Bank. However, having regard to the RBI circular

No.DBOD.BP.BC.89/21.04.018/2002-03 dated March 29, 2003, he being single party coming under the category, no

further details thereon are required to be disclosed.

10. As per Accounting Standard 17 issued by The Institute of Chartered Accountant of India for the segment reporting the

operation areas of bank is separated in to segments, which is as follows.

1. Types of products & services in each business segment :-

i) Treasury : Dealing operations in money market Instruments

ii) Other Banking Operations: Local Finance / Services.

2. Secondary Segment Information: Bank Caters mainly to the needs of Indian customers; hence separate

information regarding secondary segment i.e. Geographical Segment is not given.

3. Allocation of common cost: To the extent the cost can be directly identified they are allocated to related segment,

other common cost are allocated on reasonable basis.

4. Unallocated Items: Unallocated items include general banking items which are not allocated to any business

segment.

(E) Category of Plan Assets:

The Bank's plan Assets in respect of Gratuity & Leave encashment are funded through the Scheme of the Life

Insurance Corporation of India.

(F) Actuarial Assumptions

In accordance with Accounting Standard – 15, actuarial valuation as at year end of the year was performed in

respect of the aforesaid Defined Benefit Plans based on the following assumptions.

Particulars 2019-2020 2018-2019

Gratuity Leave Gratuity Leave

[Funded Encashment [Funded Encashment

Scheme] [Funded Scheme] [Funded

Scheme] Scheme]

a) Discount rate ( per annum) 6.50% 6.50% 7.40% 7.40%

b) Rate of Return on Plan Assets 7.40% 7.40% 7.60% 7.60%

c) Expected Retirement age of employees 58 years 58 Years 58 years 58 years

d) Annual increase in Salary Cost 10% 10% 10% 10%

61

2019-2020 2018-2019

Particulars Treasury Other Total Treasury Other Total

Banking Banking

Operations Operations

Segment Revenue 28383.29 50687.77 79071.06 26209.90 45151.37 71361.27

Unallocated Revenue - - -6386.63 - - -

Less ;

Segment Expenses 21968.29 44923.53 66891.82 17220.80 35090.12 52310.92

Segment Profit 6415.00 5764.24 18565.87 8989.10 10061.25 19050.35

Income Tax -5715.58 -6778.18

Net Profit 12850.29 12272.17

Segment Assets 436330.40 533686.49 970016.59 337925.42 514569.32 852494.74

Unallocated Assets 19025.29 13043.26

Total Assets 436330.40 533686.49 989042.18 337925.42 514569.32 865538.00

Segment Liabilities 365420.17 446954.43 812374.60 279922.73 426246.85 706169.58

Unallocated Liabilities 19177.67 13462.09

Total Liabilities 365420.17 446954.43 989042.18 279922.73 426246.85 865538.00

Capital Employed 70910.23 86732.06 157642.29 58002.69 88322.47 146325.16

(Segment Assets– Segment Liabilities)

Unallocated -152.38 -418.83

Total Capital Employed 70910.23 86732.06 157489.91 58002.69 88322.47 145906.33

11. Details of Computer Software – other than internally generated (AS-26) (Rs. In Lacs)

Particulars As on 31.03.2020 As on 31.03.2019

Opening Balance (at cost) as on 1st April 1100.53 1003.74

Add : Addition during the year 63.27 96.79

Less : Deduction during the year --- ---

Sub-Total (A) 1163.80 1100.53

Less : Amortisation made :

Opening Balance 943.55 818.58

Add : Amortisation during the year 71.30 124.97

Less : Deduction during the year --- ---

Sub-Total (B) 1014.85 943.55

Net carrying amount as on 31st March 148.95 156.98

12. Disclosure of various information as required by RBI circular no UBD CO.BPD.(PCB) CIR. No. 52/12.05.001/2013-14

dated 25.03.2014 is as under: (Rs. In Crores)

No. Particulars As on 31.03.2020 As on 31.03.2019

1 Movement of CRAR:

(a) Tier – I Capital 15.53% 15.15%

(b) Tier – II Capital 2.07% 1.52%

Capital Adequacy Ratio (CRAR) (Total) 17.60% 16.67%

2 Investments:

a) Book value of investments 2741.88 2288.13

b) Face value of investments 2700.44 2240.88

c) Market value of investments 2831.62 2285.90

(Rs. in Lakhs)

62


3. Advances against real estate, construction business 233.40 234.59

4 Advances against housing 853.66 677.27

5 Advances against shares & debentures 0.60 0.49

6 Advances to directors, their relatives, companies / firms in which they are interested:

a) Fund-based (Against Fixed Deposits) 0.36 1.14

b) Non-fund based (Guarantees, L/C, etc.) 0.00 0.00

7 Cost of Deposits :Average cost of deposits 6.13% 5.96%

8 Movement in NPAs

a) Gross NPAs 75.41 137.59

b) Gross NPAs to Gross Advances % 1.53% 2.94%

c) Net NPAs 0.00 0.00

d) Net NPAs to Net Advances % 0.00% 0.00%

Movement in NPAs(Rs)

a) Gross NPA at the beginning of the year 137.59 70.56

Add: Addition during the year 33.48 86.88

Less: reduction during the year 95.66 19.85

At the end of the year 75.41 137.59

b) Net NPA at the beginning of the year 0.00 0.00

Add: Addition during the year 0.00 0.00

Less: reduction during the year 0.00 0.00

At the end of the year 0.00 0.00

9 Profitability:

a) Interest income as a percentage of working funds 7.24% 7.55%

b) Non-interest income as a percentage of working funds 1.40% 0.68%

c) Operating profit as a percentage of working funds 2.12% 2.50%

d) Return on Assets 1.40% 1.50%

e) Business (Deposits + Advances) per employee 14.97 14.22

f) Profit per employee 0.15 0.15

10 Provisions made towards NPAs, depreciation in investments, Standard Assets 233.18 278.84

11 Movement in provisions:

a) Towards NPAs 157.72 146.75

b) Towards depreciation on investments 27.00 86.41

c) Towards standard assets 48.46 45.68

12 Foreign currency assets & liabilities:

(i) Assets 12.77 82.03

(ii) Liabilities 8.13 4.66

13 Payment of DICGC Premium 7.19 6.44

14 Penalty Impose by RBI --- ---

15 Restructured Accounts --- ---

16 Issuer Composition of Non SLR Investments and Non Performing As per below As per below

Non SLR Investments

63

13. Outbreak of COVID-19 Pandemic has impacted credit and recovery segments of banking business. Though there has

been an impact on recovery, loan default risk has been largely minimized on account of grant of moratorium on

repayment of loans and other measures to reduce the interest burden by Reserve Bank of India. Bank has continued its

operation through its branches and Digital products even during current scenario of COVID-19 and the with partial

relaxation of lockdown norms by Central and State Governments, full-fledged banking operations resumed in most of

the branches after following safety norms.

As per RBI circular DOR.No.BP.BC.63/21.04.048/2019-20 dated 17th April 2020, the asset classification and provisioning

in respect of COVID -19 Regulatory Package is as under:-

14. Priority Sector Lending Certificate (PSLC)

The Bank has conducted following PSLCs transactions during the year: (Amount Rs. in Lacs)

No. Particular Current Year

Amount (Rs. In Crores)

1 Respective amounts where the moratorium /deferment was extended 4507.13

2 Out of above (i) amount where asset classification benefits is extended 90.24

3 Provisions made during the year 40.00

4 Provision Adjusted During March 19-20 against Slippage and the residual provision Nil

Category Amount of PSLC sold Amount of PSLC Purchase

during FY 2019-20 during FY 2019-20

Agriculture 34,000 -

Priority sector 50,000 -

Weaker Sector - 10,050

Micro Enterprise - 16,250

15. Disclosure of various information as required by RBI circular no UBD (PCB) BPD Cir No: 14 /16.20.000/2007-08 dated

18.09.2007 is as under :-

1. Issuer composition of NON SLR Investments

Sr. Issuer Amount Extent of Extent of Extent of

No. below investment unrated unlisted

grade Securities securities securities

1 PSUs 25,13,03,50,000 - - -

(26,19,50,000 ) ( - ) ( - ) ( - )

2 FI’s 1,27,44,81,500 - - -

(2,75,07,13,500) ( - ) ( - ) ( - )

3 Nationalized Banks 25,00,00,000 - - -

(25,00,00,000) ( - ) ( - ) ( - )

4 Preference Shares of CCIL Ltd 14,00,00,000 - - 14,00,00,000

(14,00,00,000) ( - ) ( - ) (14,00,00,000)

5. Shares of NPCI 24,99,200 - - 24,99,200

(24,99,200) ( - ) ( - ) (24,99,200)

6 Debt / Money Market Liquid fund 2,71,00,00,000 - - 230,00,00,000

(230,00,00,000) ( - ) ( - ) (230,00,00,000)

7 Share of Co – operative Institutions 27,57,800 - - 27,57,800

(27,57,800) ( - ) ( - ) (27,57,800)

8 Others 0 - - -

(9,64,23,200) ( - ) - ( - )

9 Provision held towards depreciation 0.00 - - -

(0.00) ( - ) ( - ) ( - )

64


2. Non Performing Non-SLR Investment (Rs. In Crores)

Particulars Amount

• Opening balance NIL

(NIL)

• Additions during the year since 1st April NIL

(NIL)

• Reduction during the above period NIL

(NIL)

• Closing balance NIL

(NIL)

• Total provision held NIL

(NIL)

3. Additional Information of Investments

Particulars 31-03-2020 31-03-2019

1 Classification of Investments

Held to Maturity (HTM) 1258.83 847.76

Held for Trading (HFT) 0.00 0.00

Available for sale (AFS) 1483.05 1440.37

Total Investments 2741.88 2288.13

2 Composition of Investments

SLR Investments

Central Govt. Securities 1277.01 1446.44

State Govt. Securities 608.22 261.25

Treasury Bills 167.37 0.00

Non SLR Investments

PSU Bonds 403.75 335.91

DEBT/ Money Market Mutual Funds 271.00 230.00

CCIL Preference Shares 14.00 14.00

NPCI Shares 0.25 0.25

Share of Co operative bank 0.28 0.28

Total Investments 2741..88 2288.13

3 Provisions for Depreciation in Value of Investments

Held in Books (IFR+IDR) 66.67 120.96

Erosion in Value of Investments (HTM+AFS) 0.00 22.55

Excess/(Short) Provision 66.67 98.41

(Rs. In Crores)

65

16. There were no Repo/Reverse Repo Transactions during the year, other than LAF based Reverse Repo Transaction and

borrowed fund from RBI under LTRO.

17. Market value in the case of Central and State Government securities, PSU bonds is determined as per RBI guidelines on

the basis of the “Yield to Maturity” indicated by Financial Benchmark India Pvt. Ltd.(FBIL).

18. No penalty has been imposed by RBI on the Bank during the year.

19. Disclosure regarding Market Risk in Trading Book

[A] Qualitative Disclosures

In Trading book the Bank holds "Held for Trading "(HFT) and "Available for Sale "(AFS) portfolios of investments. The

rest of the assets – i.e. Investments under Held to Maturity portfolio and advances - are treated as Banking Book. Given

below is brief description of the Market Risk Management objectives and policies.

(i) Strategies and Processes:

Under Market Risk Management, Liquidity Risk, Interest Rate Risk and Foreign Exchange Risk, are monitored. Bank

is currently not trading in commodities and Equities.

• Liquidity Risk

ALM statement is scrutinized for monitoring Liquidity risk on a monthly basis. Prudential limit – for percentage of

cumulative mismatch to cumulative outflow - based on Reserve Bank of India guidelines for the short-term

buckets up to 28 days is monitored. Besides, prudential limits are in place for market borrowing – Daily and

average call borrowing – Inter Bank Liabilities, Purchased funds etc.

• Interest Rate Risk

Bank is analyzing Interest Rate sensitivity statement to assess the impact on Net interest income on monthly basis

. The Bank also uses duration gap analysis. Prudential limits have been fixed for duration of liabilities. Bank's

investments portfolio is monitored on the basis of duration analysis.

• Foreign Exchange Risk

The Bank has fixed maximum daylight and overnight exposure for foreign exchange exposure in various

currencies as per RBI guidelines. Bank is undertaking mostly merchant transactions & covering the same in the

market. Also bank has fixed stop loss limits for monitoring the forex operations of the dealers.

(ii) Scope and nature of risk reporting and / or measurement systems:

In respect of domestic business the guidelines stipulated by RBI for managing Market Risk is followed such as –

Preparation of Interest Rate Sensitivity statement on a monthly basis – Duration analysis of investments in the

Trading book on a daily basis.

66


67

Various prudential measures have been put in respect of market borrowing and lending in conformity with RBI

guidelines for monitoring liquidity risk. Structural Liquidity statement is prepared on monthly basis and Short Term

Dynamic Liquidity statement on a fortnightly basis is generated and Dynamic liquidity is monitored.

[B] Quantitative Disclosures Capital Charge (Rs in lacs)

• Interest Rate Risk 6668.86

• Equity Position Risk ---

• Foreign Exchange Risk 135.00

20. Suppliers / service providers covered under Micro, Small, Medium Enterprises Development Act, 2006, have not

furnished the information regarding filing of necessary memorandum with the appropriate authority. Therefore,

information relating to cases of delays in payments to Micro and Small enterprise or of interest payments due to delays

in such payments could not be given.

21. Figures are given in “Amount in Rupees “.



FRN: 107758w

Rajan B. Shah

Partner

Membership No.101998

Place: Ahmedabad

Date: 28.08.2020

Place: Ahmedabad

Date: 28.08.2020

Navnitbhai C. Patel

Chairman

Percy F. Bharucha

Managing Director

Mineshbhai J. Patel

Vice Chairman

Directors.

Vinod G. Dadlani


68

We have examined the above cash flow statement of The Kalupur Commercial Co Op Bank ltd for the year ended 31s March, 2020. The statement has been

prepared by the bank as per Accounting Standard -3 issued by ICAI and is in agreement with the corresponding Profit & Loss Account and Balance Sheet of the

Bank covered by our even dated report to the members of the Bank.

stCash Flow Statement for the Year Ended 31 March, 2020

Place: Ahmedabad

Date: 28.08.2020

For, R. S. Patel & Co. Chartered Accountants FRN: 107758w

Rajan B. ShahPartnerMembership No.101998

(Rs. in '000)

(A) Cash Flow From operating activities

Net Profit before Taxation and Extraordinary items: 2097031 2163343

Adjustments for:

i) Depreciation on Fixed Assets 113368 107586

ii) Profit//loss on sale of Assets -556 -13777

iii) Amortization of premium HTM 43904 39077

iv) Provision for Bad & Doubtful Debt u/s 36(1) (viia) of I.T. Act written back -50653 -

v) General Provision 400000 -

vi) Investment Depreciation Reserve written Back -638663 2766

vii) Investment Depreciation Reserve 44496 -

(88104) 135652

Operating Profit before Working Capital Changes 2008927 2298995

Adjustments for Increase/Decrease in:

i) Advances (2414348) (7734087)

ii) Other Assets (155423) (121050)

iii) Investments (4581432) 1465813

iv) Deposits & Other Liabilities 10635906 4632284

v) Fixed Deposit (4198130) 32899

vI) Money at call short(Reverse Repo) (1670000) 799443

(2383427) (924698)

Cash Generated from Operations (374500) 1374297

Direct Taxes paid (610042) (670314)

Less: Refund 11839 52530 0

Direct Taxes including (Net of Refund) (598203) (617784)

Cash Flow before extraordiinary item (972703) 756513

Net Cash Flow from operating activities (972703) 756513

(B) Cash Flow from investing activities

Purchase of Fixed Assets & Addition on account of Merger (net of sales) (169798) (98485)

Capital Reserve on Merger 2898 0

Net cash from investing activities (166900) (98485)

(1139603) 658028

(C) Cash Flow from Financing Activities

Increase in Share Capital & Nominal Mem. 28983 34931

Dividend (126066) (122157)

Payment for Charities/Donations (23079) (7855)

Payment of Education Fund (2810) (2717)

Payment of Share Capital of Merged Bank (127) (1998)

Transfer of Reserve on Merger 12138 0

Entrance fee& Nominal Fee 640 0

Movement of Reserve 0 15090

Net Cash From financing activities (110321) (84706)

Net Increase in cash and cash equivalents (1249924) 573322

Cash & Cash equivalents as at (Opening) 4170850 3597528

Cash & Cash equivalents as at (Closing) 2920926 4170850

2920926 4170850

31.03.2020 31.03.2019

SCHEDULE - II


69

þk¾k rðMíkkhLkk Mkk{kSf yøkúýe økúknfku{ktÚke çkUfu þk¾k rðfkMk Mkr{ríkykuLke h[Lkk fhe

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ykÃku Au yLku çkUfLkk çkkuzo ykuV rzhuõxMkoLku ÃknkU[kzu Au yLku rLkhkfhý þkuÄðk{kt MknkÞYÃk çkLku Au,

ykðe Mkr{ríkykuLke h[LkkÚke MÚkkrLkf Mknfkhe Lkuík]íð W¼wt ÚkkÞ Au. çkUfªøk MkuðkykuLkk ÏÞk÷ yk{

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©e nMk{w¾¼kE økkuÃkk÷ËkMk Ãkxu÷

çkkð¤k þk¾k MÚkkÃkLkk : 22-08-1977

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çkkhuò þk¾kMÚkkÃkLkk : 14-12-1978

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MkkýtË þk¾k MÚkkÃkLkk : 24-10-1980

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þk¾k rðfkMk Mkr{ríkyku / Branch Development Committees

70

ðxðk þk¾kMÚkkÃkLkk : 29-08-1983

• ©e ¼qÃkuLÿ¼kR Mke. Ãkxu÷• ©e h{uþ¼kR Lkxðh÷k÷ Ãkxu÷• ©e rçkrÃkLk¼kR Y½LkkÚk¼kR Ãkxu÷• ©e yLktøk¼kR fwtsrðnkhe þkn• ©e «Vw÷¼kR {kuíke÷k÷ ðu÷kýe• ©e hkfuþ¼kR fktrík¼kR Ãkxu÷• ©e rníku»k¼kR rðê÷¼kR Ãkxu÷• ©e f]ýk÷¼kE {eLkuþ¼kE Ãkxu÷• ©e MkwrLk÷ yku. hksÃkwík - þk¾k {uLkush

Ã÷kux Lkt. 1110, S.ykR.ze.Mke. VuÍ-3, yuV-hkuz, ykçkkË çkufhe ÃkkMku, ðxðk, y{ËkðkË - 382445.VkuLk Lkt.: 25831067, 25890691E-mail : [email protected] CODE : 380126007IFSC CODE : KCCB0VTV009

Mkku÷k hkuz þk¾kMÚkkÃkLkk : 17-07-1987

• ©e ¾kuzk¼kR fkr÷ËkMk Ãkxu÷• ©e h{uþ¼kR fuþð÷k÷ Ãkxu÷• ©e nMk{w¾¼kR Lkxðh÷k÷ Ãkxu÷• ©e Søkh ze. Ãkxu÷ - þk¾k {uLkush

1, íkeÚkoLkøkh MkkuMkkÞxe, rð.-3, MkðkuoËÞ MkkuMkkÞxe rð-1 Mkk{u, ¼qÞtøkËuð [kh hMíkk, Mk¥kkÄkh hkuz, Mkku÷k hkuz, y{ËkðkË - 380061.

VkuLk Lkt.: 27433529, 27452471E-mail : [email protected] CODE : 380126010IFSC CODE : KCCB0SLR012

Mkutx ÍurðÞMko Mfw÷ hkuz þk¾kMÚkkÃkLkk : 15-05-1983

• ©e ykþe»k¼kR þtfh÷k÷ økwY• ©e ¼økðík«MkkË {ýe÷k÷ Ãkxu÷• ©e fLkw¼kE økkuÃkk÷ËkMk Ãkxu÷• ©e MkíÞuLÿ¼kE fu. Ãkxu÷• ©e rðLkkuË çke. Ãkxu÷ - þk¾k {uLkush

yûkh ykfuoz, {u{Lkøkh VkÞh MxuþLk Mkk{u, LkðhtøkÃkwhk, y{ËkðkË - 380009.

VkuLk Lkt.: 26462241, 26462242E-mail : [email protected] CODE : 380126006IFSC CODE : KCCB0SXS008

Ãkºkfkh fku÷kuLke þk¾kMÚkkÃkLkk : 12-09-1986

• ©e çkeÃkeLk[tÿ híke÷k÷ þkn• ©e rÃkÞw»k¼kE økku®ðË¼kE Ãkxu÷• ©e fuíkLk¼kE økku®ðË÷k÷ Ãkxu÷• ©e fwþ yuMk. þkn - þk¾k {uLkush

ytfwh fku{ŠþÞ÷ fkuBÃk÷uûk, ytfwh çkMk MxuLz ÃkkMku, LkkhýÃkwhk, y{ËkðkË - 380013.

VkuLk Lkt.: 27433028, 27452350E-mail : [email protected] CODE : 380126009IFSC CODE : KCCB0PCR011

Ãkt[ðxe þk¾kMÚkkÃkLkk : 04-04-1989

• ©e ySík¼kR h{ý÷k÷ þkn• ©e ¼qÃkuLÿ¼kR sÞtíke÷k÷ þkn• ©e Ãkhuþ¼kR Lkxðh÷k÷ ík÷kxe• ©e «rðý¼kE ¼kuøke÷k÷ þkn• ©e hkuLkf¼kE yu. {kuËe• ©e hksuþ¼kE yu[. þkn• ©e MkíÞuLÿ¼kE yu[. þkn• ©e hkfuþ ykE. siLk - þk¾k {uLkush

MkLk ÃkkuRLx, þktíke MkËLk MkkuMkkÞxe, Ãkhe{÷ økkzoLk ÃkkMku, yu÷eMkçkúes, y{ËkðkË - 380006.

VkuLk Lkt.: 26444952, 26466930E-mail : [email protected] CODE : 380126011IFSC CODE : KCCB0PCV013

yuMk. yu{. hkuz þk¾kMÚkkÃkLkk : 08-11-1981

• ©e zkp. rËLkuþ¼kR yu{. y{eLk• ©e «n÷kË¼kR ytçkk÷k÷ Ãkxu÷• ©e fhþLk¼kR f[hk¼kR Ãkxu÷• ©e fLkw¼kR fk¤eËkMk Ãkxu÷• ©e MkwhuLÿ¼kR Mke. Ãkxu÷• ©e sir{Lk¼kR søkËeþ¼kR þkn• ©e rððuf¼kR «n÷kË¼kR Ãkxu÷• ©e Lkhuþ¼kE yuLk. Ãkxu÷• ©e Søkh¼kE çke. þkn - þk¾k {uLkush

1, ðMktík hsçk MkkuMkkÞxe, Ãke yuLz xe. fku÷kuLke ÃkkMku, Mkuxu÷kRx hkuz, Mkuxu÷kRx, y{ËkðkË-380015.

VkuLk Lkt.: 26731182, 26764450E-mail : [email protected] CODE : 380126005IFSC CODE : KCCB0SMR007

yk©{ hkuz þk¾kMÚkkÃkLkk : 01-07-1986

• ©e rÄhuþ¼kR ík÷f[tË þkn• ©e ¼qÃkuLÿ¼kR sÞtíke÷k÷ þkn• ©e fehex¼kR hk{¼kR Ãkxu÷• ©e økkiík{¼kR þktrík÷k÷ þkn• ©e f{÷uþfw{kh rfþLk[tË siLk• ©e «Vw÷¼kR yu{. Ãkxu÷ - þk¾k {uLkush

‘fk÷wwÃkwh çkUf ¼ðLk’, RLf{xuûk Mkfo÷ ÃkkMku, yk©{ hkuz, y{ËkðkË - 380014.

VkuLk Lkt.: 27582020-26, 27582030E-mail : [email protected] CODE : 380126008IFSC CODE : KCCB0ASR010

ðMºkkÃkwh þk¾kMÚkkÃkLkk : 10-06-1994

• ©e çktMke¼kR {nkMkw¾¼kR Ãkxu÷• ©e ySík®Mkn çke. {rnzk• ©e MkwhuLÿ¼kR yu{. MkkuLke• ©e yLktík¼kE ze. Ãkxu÷• ©e Ãk÷f¼kE Mke. þkn - þk¾k {uLkush

rn{k÷Þk ykfuoz, ðMºkkÃkwh ÷uf Mkk{u, ðMºkkÃkwh, y{ËkðkË - 380015.

VkuLk Lkt.: 26750673, 26752049E-mail : [email protected] CODE : 380126013IFSC CODE : KCCB0VSR015

Lkðk ðkzs þk¾kMÚkkÃkLkk : 05-07-1994

• ©e fuíkLk¼kR SíkuLÿ¼kR Ãkxu÷• ©e sÞf]»ý¼kR Açke÷ËkMk Ãkxu÷• ©e ¼ku¤k¼kR huðLkËkMk Ãkxu÷• ©e ft[Lk¼kR Vkuøkx÷k÷ Ãkt[k÷• ©e Ëþeo÷¼kE yu. þkn - þk¾k {uLkush

rLk÷ fkuBÃk÷uûk, ÔÞkMkðkze Mkk{u, Lkðk ðkzs, y{ËkðkË - 380013.

VkuLk Lkt.: 27646976, 27645352E-mail : [email protected] CODE : 380126015IFSC CODE : KCCB0NVW016


71

RMkLkÃkwh þk¾kMÚkkÃkLkk : 15-06-1995

• ©e nMk{w¾¼kR økkuÃkk÷ËkMk Ãkxu÷• ©e h{uþ¼kR fkLkS¼kR ÷k¾kýe• ©e MkwnkMk¼kR yh®ðË¼kR Mkknuçkk• ©e rË÷eÃk¼kR yku. þkn• ©e W{uþ su. Ãkkxe÷ - þk¾k {uLkush

2, ykMkkuÃkk÷ðLkøkh MkkuMkkÞxe, hk{ðkze çkMk MxuLz ÃkkMku, RMkLkÃkwh, y{ËkðkË - 382443.

VkuLk Lkt. : 25330540, 25397500E-mail : [email protected] CODE : 380126016IFSC CODE : KCCB0ISP019

ykýtË þk¾kMÚkkÃkLkk : 26-03-1996

• ©e ÃkhMke Vhk{hkus ¼Y[k• ©e LkðLkeík¼kR {ýe¼kR Ãkxu÷• ©e {eíkuþ¼kR h{uþ¼kR Ãkxu÷• ©e fLkw¼kR [tËw¼kR Ãkxu÷• ©e rfhý¼kR RLËw¼kR Ãkxu÷• ©e ÔÞku{uþ yu. Mkku÷tfe - þk¾k {uLkush

sÞ xkðh, y{w÷ zuhe hkuz, ykýtË - 388001, S. ykýtË.

VkuLk Lkt.: (02692) 240303, 242303E-mail : [email protected] CODE : 388126001IFSC CODE : KCCB0ANN022

çkkuÃk÷ þk¾kMÚkkÃkLkk : 10-06-1995

• ©e «fkþ¼kR sÞtíke÷k÷ Ãkxu÷• ©e ¼ðMkkøkh®Mkøk çke. {wtò÷• ©e Þkuøkuþ¼kR zkÌkk¼kR ©eÄh• ©e nMk{w¾¼kE þt¼w¼kE Ãkxu÷• ©e f]ýk÷ su. Ãkxu÷ - þk¾k {uLkush

79, þeðykþe»k MkkuMkkÞxe, RLzõxkuÚk{o r÷. ÃkkMku, çkkuÃk÷ hkuz, y{ËkðkË - 380058.

VkuLk Lkt.: (02717) 234590, 231537E-mail : [email protected] CODE : 380126018IFSC CODE : KCCB0BPL018

çkkuzfËuð þk¾kMÚkkÃkLkk : 13-02-1996

• ©e ytçkw¼kR {økLk¼kR Ãkxu÷• ©e nMk{w¾¼kR økkuÃkk÷ËkMk Ãkxu÷• ©e rLkÃk{¼kR h{uþ[tÿ þkn• ©e rËÃkf¼kR økku®ðË÷k÷ þkn• ©e n»koË¼kR yh®ðË¼kR þkn• ©e LkÒkw¼kR Ãke. ÃkzMkk¤k• ©e h{ý¼kR ykh. Ãkxu÷• ©e ËþhÚk¼kR fk÷eËkMk Ãkxu÷• ©e{íke ©uÞkçkuLk rLkMkøko¼kE Ãkhe¾• ©e funw÷ ðe. Ãkxu÷ - þk¾k {uLkush

økkuÞ÷ xuhuMk, sSMk çktøk÷ku ÃkkMku, çkkuzfËuð, y{ËkðkË - 380054.

VkuLk Lkt.: 26859551, 26856119E-mail : [email protected] CODE : 380126017IFSC CODE : KCCB0BDK021

MðÂMíkf [kh hMíkk þk¾kMÚkkÃkLkk : 24-07-1996

• ©e {eLkuþ¼kE sþ¼kE Ãkxu÷• ©e ¼qÃkuLÿ¼kR sÞtíke÷k÷ þkn• ©e rºk÷kuf[tË fkþehk{ yøkúðk÷• ©e çkkçkw¼kR h{ý¼kR Ãkxu÷• ©e økkiík{fw{kh sÞtrík÷k÷ Ãkxu÷• ©e þi÷u»k¼kR [e{Lk÷k÷ ËuMkkR• ©e Ëuðktøk¼kR økkiík{¼kR þkn• ©e ËþoLk Ãke. þkn - þk¾k {uLkush

Mkwþe÷kçkuLk híke÷k÷ nku÷ ÃkkMku, Mke. S. hkuz, LkðhtøkÃkwhk, y{ËkðkË-380009.

VkuLk Lkt.: 26406945, 26406953E-mail : [email protected] CODE : 380126020IFSC CODE : KCCB0SCR023

zÙkRð-RLk hkuz þk¾kMÚkkÃkLkk : 11-07-1994

• ©e ËuðuLÿ¼kR ÃkkuÃkx÷k÷ Ãkxu÷• ©e MktsÞ¼kR [eLkw¼kR Íðuhe• ©e ÃkkuÃkx÷k÷ økehÄh÷k÷ Ãkxu÷• ©e ðkze¼kR çke. Ãkxu÷• ©e{íke {kÄðeçkuLk xe. Ãkxu÷• ©e LkeíkLk yuLk. økwÃíkk- þk¾k {uLkush

‘fk{ÄuLkw ¼ðLk’, xe.ðe. xkðh Mkk{u, zÙkRð-RLk-hkuz, y{ËkðkË - 380054.

VkuLk Lkt.: 26859486, 26854475E-mail : [email protected] CODE : 380126014IFSC CODE : KCCB0DRV017

ðkMkýk þk¾kMÚkkÃkLkk : 04-10-1995

• ©e hkurník¼kE çkwÄk÷k÷ {nuíkk• ©e þi÷u»k¼kR sÞtíke÷k÷ þkn• ©e økeheþ¼kR ðkze÷k÷ þkn• ©e rn{tík¼kR fu. þkn• ©e síkeLk¼kE økwýðtík¼kE Ãkxu÷• ©e ËuðuLÿ Ãke. Ãkxu÷ - þk¾k {uLkush

híLkMkkøkh ^÷ux ÃkkMku, fuMkheÞkS [kh hMíkk, Sðhks {nuíkk nkuMÃkex÷ hkuz, ðkMkýk, y{ËkðkË - 380007.

VkuLk Lkt.: 26611279, 26632894E-mail : [email protected] CODE : 380126019IFSC CODE : KCCB0VSN020

swLkk ÃkkËhk hkuz þk¾k - ðzkuËhkMÚkkÃkLkk : 27-11-1996

• ©e ÃkhMke Vhk{hkus ¼Y[k• ©e [tÿfktík¼kR W{uË¼kR Ãkxu÷• ©e {wfuþ¼kR zkÌkk¼kR Ãkxu÷ • ©e økkiík{¼kR Síkw¼kR fkuXkhe• ©e rðLkkuË¼kR zkÌkk¼kR Ãkxu÷• ©e MktËeÃk¼kR h{uþ¼kR þkn• ©e hknw÷ fu. òLke - þk¾k {uLkush

54, ÃkwLkeíkLkøkh MkkuMkkÞxe, ðuõMkeLk RLMxexâwx Mkk{u, swLkk ÃkkËhk hkuz, ðzkuËhk - 390015.

VkuLk Lkt.: (0265) 2354367, 2332894E-mail : [email protected] CODE : 390126002IFSC CODE : KCCB0VDD024

{ýeLkøkh þk¾k MÚkkÃkLkk : 05-12-1996

• ©e nMk{w¾¼kR økkuÃkk÷ËkMk Ãkxu÷• ©e hksuLÿ¼kR {kunLk÷k÷ þkn• ©e W{uþ[tÿ «Vw÷¼kR {nuíkk• ©e ysÞ¼kR h{ýef÷k÷ økktÄe• ©e sÞþe÷¼kR økeíkuþfw{kh þuX• ©e zkp. søkËeþ¼kR ykh. hkýk• ©e íkÃkLk¼kE su. X¬h- þk¾k {uLkush

39, hkÄkðÕ÷¼ fku÷kuLke, sðknh [kuf [kh hMíkk, {ýeLkøkh, y{ËkðkË - 380008.

VkuLk Lkt. : 25470261, 25462188E-mail : [email protected] CODE : 380126021IFSC CODE : KCCB0MNN025

72

çkkÃkwLkøkh þk¾kMÚkkÃkLkk : 16-07-2001

• ©e zkp. rËLkuþ¼kR yu{. y{eLk• ©e ðÕ÷¼¼kR økkuçkh¼kR fkfzeÞk• ©e rðLkw¼kR fh{þe¼kR òuøkkýe• ©e ÃkwÁ»kku¥k{¼kR çke. ffkýe• ©e ÃkhMkku¥k{¼kR yuLk. økuðheÞk• ©e ðÕ÷¼¼kR {kunLk¼kR hk{kýe• ©e çkxwf¼kR hkýk¼kR ~Þkýe• ©e{íke {tsw÷k S. çkkuhz - þk¾k {uLkush

~Þk{ þe¾h fkuBÃk÷uûk, rËLkuþ [uBçkh Mkk{u, RLzeÞk fku÷kuLke [kh hMíkk, çkkÃkwLkøkh, y{ËkðkË - 380024.

VkuLk Lkt.: 22204780, 22204790E-mail : [email protected] CODE : 380126022IFSC CODE : KCCB0BPN028

xuûkxkR÷ {kfuox þk¾k - MkwhíkMÚkkÃkLkk : 11-05-2007

• ©e ÃkhMke Vhk{hkus ¼Y[k• ©e sÞtíke¼kR ÷k¾kýe• ©e {Lkw¼kR nhËkMk¼kR XwB{h• ©e ðÕ÷¼¼kR yuMk. XwB{h• ©e «fkþ¼kE s{eÞíkhk{ sheðk÷k• ©e çkúesuþ¼kE «¼wËkMk økkUz÷eÞk• ©e fkLkS¼kE ykh. ¼÷k÷k• ©e Äúwrðík yu{. Ãkxu÷ - þk¾k {uLkush

38/39, ysLxk þkuÃkªøk MkuLxh, rfLLkhe rMkLku{k ÃkkMku, hªøk hkuz, Mkwhík - 395002.

VkuLk Lkt.: (0261) 2343442, 2369271E-mail : [email protected] CODE : 395126002IFSC CODE : KCCB0TXM032

¾t¼kík þk¾kMÚkkÃkLkk : 31-05-1997

• ©e nMk{w¾¼kE økkuÃkk÷ËkMk Ãkxu÷• ©e Síkw¼kR nhøkku®ðËËkMk þkn• ©e ½Lk~Þk{®Mkn yu{. [kðzk• ©e ¼kR÷k÷¼kR {økLk¼kR Ãkxu÷• ©e h{uþ¼kE nh{kLk¼kE Ãkxu÷• ©e Lkehð çke. þkn - þk¾k {uLkush

LkeòLktË, zkp. fuBÃkMk ÃkkMku,¾t¼kík - 388620, S. ykýtË.

VkuLk Lkt.: (02698) 223644, 223010E-mail : [email protected] CODE : 388126091IFSC CODE : KCCB0KMB027

MxuzeÞ{ hkuz þk¾kMÚkkÃkLkk : 03-03-2006

• ©e MLkun÷¼kR h{uþ[tÿ Ãkhe¾• ©e ytçkk÷k÷ LkkhýËkMk {kuËe• ©e fuíkLk¼kE hMkef¼kE þkn• ©e rn{ktþw yu. þkn - þk¾k {uLkush

hkpÞ÷ nkWMk, 16-çke, {nkËuð Lkøkh MkkuMkkÞxe, MxuzeÞ{ hkuz, LkðhtøkÃkwhk, y{ËkðkË-380014.

VkuLk Lkt.: 26463198, 26430741E-mail : [email protected] CODE : 380126028IFSC CODE : KCCB0SDR031

rLkh{k ÞwrLkðMkeoxe þk¾kMÚkkÃkLkk : 02-12-1996

• ©e ¾kuzk¼kR fkr÷ËkMk Ãkxu÷• ©e{íke ÃkqðeoçkuLk yu. Ãkku¾rhÞk÷• ©e çkkçkw¼kR su. Ãkxu÷• ©e S. hk{[tÿLk LkkÞh• ©e ykþe»k¼kR fu. ËuMkkR• ©e hksuþ¼kR Lkkhý¼kR Ãkxu÷• ©e ykLktË¼kR Mkku{k¼kR Ãkxu÷• ©e{íke Ãk÷fçkuLk yþkuf¼kR þkn• ©e ykþwíkku»k fu. Ãkxu÷ - þk¾k {uLkush

rLkh{k ÞwrLkðMkeoxe fuBÃkMk, yuMk.S. nkRðu, y{ËkðkË - 382481.

VkuLk Lkt.: (02717) 241911-12-13, 30642152E-mail : [email protected] CODE : 380126029IFSC CODE : KCCB0NRM097

fk÷çkkËuðe-{wtçkR þk¾kMÚkkÃkLkk : 19-05-1997

• ©e ÃkhMke Vhk{hkus ¼Y[k• ©e MkwhuLÿ¼kR íkw÷MkeËkMk MkðkR• ©e yþkuf¼kR ykh. ½eÞk• ©e MkwhuLÿ¼kR yu{. {hzeÞk• ©e ykþe»k¼kR [tÿfktík¼kR {nuíkk• ©e hksuLÿ¼kR çkkçkw÷k÷ {kuËe • ©e W{uþ¼kE h{ý÷÷k÷ þkn• ©e sÞf]]»ý ze. ÃkkXf• ©e rLkhuLk¼kE fu. ÄkheÞk• ©e ykrþ»k yuLk. {nuíkk - þk¾k {uLkush

çke/3 Úke 7, {tøk÷ËkMk rçkÕzªøk Lkt.1, þk{÷ËkMk økktÄe {køko, {wtçkR-400002.

VkuLk Lkt. : (022) 22074013-14, 22070419E-mail : [email protected] CODE : 400126002IFSC CODE : KCCB0KLB026

{kÄwÃkwhk þk¾kMÚkkÃkLkk : 04-10-2005

• ©e hksuLÿ¼kR çkkçkw÷k÷ {kuËe• ©e sLkeþ¼kR søkËeþ[tÿ Ãkxu÷• ©e rðrLkík¼kR ËÞk¤S¼kR Ãkxu÷• ©e {tsÞ¼kR yu{. økktÄe• ©e rËLkuþ¼kR çke. Ãkxu÷• ©e økkuÃkk÷¼kR yu÷. hkXe• ©e{íke Mkw»{kçkuLk yuMk. þkn• ©e [tËLk®Mkn su. hkXkuz - þk¾k {uLkush

rLk÷økøkLk Ã÷kÍk, Ãkku÷eMk fr{&™h ykurVMk Mkk{u, þkneçkkøk hkuz, y{ËkðkË - 380004.

VkuLk Lkt.: 25630464, 25626699E-mail : [email protected] CODE : 380126027IFSC CODE : KCCB0MDR030

ykLktËLkøkh þk¾kMÚkkÃkLkk : 26-09-2007

• ©e ¼hík¼kR ykh. {kuËe• ©e LkhuLÿ¼kR Lkh®Mkn÷k÷ þkn• ©e ¼qÃkuLÿ¼kR Mke. {kunkuhkuðk÷k• ©e «n÷kË¼kE þeðhk{¼kE Ãkxu÷• ©e ÃkrÚkf¼kE SíkuLÿ¼kE Ãkxu÷• ©e{íke hkrÄfkçkuLk sÞuLÿ¼kE Ãktrzík• ©e Äúwð¼kR Ãke. AkÞk• ©e íkkhf su. Ãkhe¾ - þk¾k {uLkush

106, rþðk÷ef ykfuoz, «n÷kËLkøkh økkzoLk Mkk{u, ykLktËLkøkh hkuz, y{ËkðkË - 380015.

Vku Lkt.: 26931172, 26931176E-mail : [email protected] CODE : 380126026IFSC CODE : KCCB0AND033

MkkÞLMk Mkexe hkuz þk¾kMÚkkÃkLkk : 10-03-2008

• ©e rfhex¼kR hk{¼kR Ãkxu÷ • ©e zkp. «¼wËkMk RïhËkMk Ãkxu÷• ©e sÞtíke÷k÷ fuþð÷k÷ Ãkxu÷• ©e çkkçkw¼kR LkkÚkk¼kR Ãkxu÷• ©e ËþhÚk¼kR ykþk¼kR Ãkxu÷• ©e çkeÃkeLk¼kR ÃkwÁ»kku¥k{ËkMk Ãkxu÷• ©e rðsÞ Mke. ¾ºke - þk¾k {uLkush

9, {kiÞo xkRBMk Mfðuh, ykh. fu. hkuÞ÷ nku÷ Mkk{u, MkkÞLMk Mkexe hkuz, Mkku÷k, y{ËkðkË - 380060.

VkuLk Lkt.: 29299940, 29299941E-mail : [email protected] CODE : 380126030IFSC CODE : KCCB0SCT034


73

økktÄeLkøkh þk¾kMÚkkÃkLkk : 17-08-2009

• ©e nMk{w¾¼kR økkuÃkk÷ËkMk Ãkxu÷• ©e ðÕ÷¼¼kR yu{. Ãkxu÷• ©e zkp. fLkw¼kR ze. Ãkxu÷• ©e hknw÷¼kR {Lkw¼kR {nuíkk• ©e çkeÃkeLk[tÿ fu. Ãkxu÷• Mkw©e {kÞkçkuLk yuLk. ¼kusf• ©e ÃkheLk S. {kuËe - þk¾k {uLkush

Vk{oMke fku÷us fuBÃkMk, fze Mkðo rðãk÷Þ fuBÃkMk, økux Lkt. 1, ½-6 Mkfo÷ ÃkkMku, Mkuõxh - 23, økktÄeLkøkh - 382023.

VkuLk Lkt.: 23241962E-mail : [email protected] CODE : 380126032IFSC CODE : KCCB0GNR038

ÃkktzuMkhk þk¾k - MkwhíkMÚkkÃkLkk : 15-12-2013

• ©e sir{Lk yu. Ãkxu÷ - þk¾k {uLkush

124/125, f{oÞkuøke MkkuMkkÞxe rð¼køk-1, ÃkeÞw»k ÃkkuRLx ÃkkMku, 120 Vwx çk{hku÷e hkuz, ÃkktzuMkhk, Mkwhík - 394210

VkuLk Lkt. : (0261) 2893245E-mail : [email protected] CODE : 395126005IFSC CODE : KCCB0PSR041

ykLktË {n÷ hkuz þk¾k - MkwhíkMÚkkÃkLkk : 18-03-2015

• ©e r«Líkuþ yu[. Mkw¾zeÞk - þk¾k {uLkush

{kÄð fkuBÃk÷uûk, LÞw hýAkuzLkøkh, «kR{ ykfuozLke Mkk{u, ykLktË {n÷ hkuz, yzksý, Mkwhík - 395009.

VkuLk Lkt.: (0261) 2790600 E-mail : [email protected] CODE : 395126008IFSC CODE : KCCB0NPR044

WÄLkk-{økËÕ÷k hkuz þk¾k - Mkwhík

MÚkkÃkLkk : 11-07-2009

• ©e ÃkhMke Vhk{hkus ¼Y[k• ©e h{uþ¼kR çkkÃkw¼kR ËuMkkR• ©e ËþhÚk¼kE ðe. Ãkxu÷ - þk¾k {uLkush

14-18, MkqÞko Ã÷kÍk, ¼xkh [kh hMíkk ÃkkMku, WÄLkk-{økËÕ÷k hkuz, Mkwhík - 395007.

VkuLk Lkt.: (0261) 2234111E-mail : [email protected] CODE : 395126003IFSC CODE : KCCB0UDN037

WÄLkk WãkuøkLkh þk¾k - Mkwhík MÚkkÃkLkk : 15-12-2013

• ©e{íke hkýf ykh. X¬h - þk¾k {uLkush

WÄLkk yufuzu{e Mfw÷ Mkk{u, MkuLxÙ÷ hkuz Lkt.14, WÄLkk WãkuøkLkøkh, Mkwhík - 394210.

VkuLk Lkt.: (0261) 2758492, 2758497,E-mail : [email protected] CODE : 395126004IFSC CODE : KCCB0UDN040

ðhkAk hkuz þk¾k - MkwhíkMÚkkÃkLkk : 23-10-2015

• fw. MLkunk fu. Mkku÷tfe - þk¾k {uLkush

økkiík{ ykfuoz, 1, þtfhLkøkh MkkuMkkÞxe, fÃkkuËhk çkúes ÃkkMku, ðhkAk hkuz, Mkwhík - 395006.

VkuLk Lkt.: (0261) 2541970E-mail : [email protected] CODE : 395126007IFSC CODE : KCCB0BGL043

hªøkhkuz þk¾k - MkwhíkMÚkkÃkLkk : 15-12-2013

• ©e ¼kðuþ çke. Ëðu - þk¾k {uLkush

Ãkhe©{ fkuBÃk÷uûk, Ãkhkøk nkWMk Mkk{u,hªøk hkuz, Mkwhík - 395003.

VkuLk Lkt.: (0261) 2310546E-mail : [email protected] CODE : 395126006IFSC CODE : KCCB0RRD042

{kts÷Ãkwh þk¾k - ðzkuËhkMÚkkÃkLkk : 14-03-2009

• ©e ÃkhMke Vhk{hkus ¼Y[k• ©e Xkfkuh¼kR nrh¼kR Ãkxu÷• ©e rðÃkw÷ Mke. Ãkxu÷ - þk¾k {uLkush

rðLkkÞf fkuBÃk÷uûk, MkhMðíke [kh hMíkk ÃkkMku, {kts÷Ãkwh hkuz, ðzkuËhk - 390011.

VkuLk Lkt. (0265) 2661751E-mail : [email protected] CODE : 390126003IFSC CODE : KCCB0MJL036

fXðkzk þk¾k MÚkkÃkLkk : 14-12-2009

• ©e ytçkh¼kR sÞtíke÷k÷ Ãkxu÷ • ©e þi÷u»k¼kE ðe. MkkuLkkhk• ©e ÃkwÁ»kkuu¥k{¼kR ¼e¾k¼kR ffkýe• ©e çkkçkw¼kR yu. ðkuhk• ©e rð»ýw¼kR Lkkhý¼kR Ãkxu÷• ©e yYý¼kR fhMkLkËkMk Ãkxu÷• zkì. ©e yh®ðËfw{kh çke. Ãkxu÷• ©e {Lkkus yu{. ð{ko - þk¾k {uLkush

økúkWLz ^÷kuh, rËÔÞ {tøk÷ ykfuoz, fXðkzk S.ykR.ze.Mke. Ã÷kux Lkt. 545, fXðkzk, y{ËkðkË - 382430.

VkuLk Lkt.: 22901255E-mail : [email protected] CODE : 380126033IFSC CODE : KCCB0KTW039

74

½kx÷kuzeÞk þk¾kMÚkkÃkLkk : 28-6-2015

• ©e íkusMk ze. þkn - þk¾k {uLkush

©efwts þkuÃkªøk MkuLxh, ðeh zuhe ÃkkMku, «¼kík [kuf, ½kx÷kurzÞk, y{ËkðkË - 380061.

VkuLk Lkt.: 27481547, 27472753E-mail : [email protected] CODE : 380126034IFSC CODE : KCCB0GHA046

Lkhkuzk þk¾kMÚkkÃkLkk : 06-11-2015

• ©e ytçkh¼kE sÞtíke÷k÷ Ãkxu÷• ©e þi÷u»k¼kE ðe. MkkuLkkhk• ©e WËÞfw{kh Açke÷ËkMk Ãkxu÷• ©e n»koË¼kR y{]ík÷k÷ Ãkxu÷• ©e «þktík¼kE rºk÷kuf¼kE yøkúðk÷• ©e Yíkw÷ Ãke. þkn - þk¾k {uLkush

7-8-9, ykMÚkk yuðLÞw, çkeyuMkyuLkyu÷ xu÷eVkuLk yuõMk[Us ÃkkMku, S.ykR.ze.Mke., Lkhkuzk, y{ËkðkË - 382330.VkuLk Lkt.: 22812120E-mail : [email protected] MICR CODE : 380126038 IFSC CODE : KCCB0NAR050

Ãkkuh þk¾k (S. ðzkuËhk)MÚkkÃkLkk : 14-3-2016

• ©e ytrfík Mke. Ãkxu÷ - þk¾k {uLkush

Mðk{eLkhkÞý fkuBÃk÷uûk, 83, ytrçkfkLkøkh MkkuMkkÞxe, Ãkkuh - fkÞkðhkuný hkuz, Ãkkuh - 391243, S. ðzkuËhk.

VkuLk : (0265) 2830321E-mail : [email protected] CODE : 390126004IFSC CODE : KCCB0POR53

ytf÷uïh þk¾kMÚkkÃkLkk : 04-10-2014

• ©e ÃkhMke Vhk{hkus ¼Y[k• ©e nu{tík¼kE [tÃkf÷k÷ þkn• ©e h{uþfw{kh ¼økðkLkËkMk Ãkxu÷• ©e LkðeLk¼kE ¼kE÷k÷¼kE Ãkxu÷• ©e hksuþ Mke. «òÃkrík - þk¾k {uLkush

hrð fkuBÃk÷uûk, ðkr÷Þk [kh hMíkk, S.ykR.ze.Mke., ytf÷uïh - 393002.

VkuLk Lkt.: (02646) 251760, 224032E-mail : [email protected] MICR CODE : 393126051IFSC CODE : KCCB0AKL045

SME & MID CORPORATE BRANCH

MÚkkÃkLkk : 17-8-2015

• ©e Ãkhuþ su. Ëðu - þk¾k {uLkush

yuLkuûke rçkÕzªøk, fk÷wÃkwh çkUf ¼ðLk, RLf{xuûk Mkfo÷ ÃkkMku, yk©{hkuz, y{ËkðkË - 380014.

VkuLk Lkt.: 27582020 Úke 27582026E-mail : [email protected] MICR CODE : 380126037 IFSC CODE : KCCB0SME049

ytÄuhe (RMx) þk¾k - {wtçkR MÚkkÃkLkk : 9-2-2016

• ©e rLk÷uþ Ãke. Ãkxu÷ - þk¾k {uLkush

4, økúkWLz ^÷kuh, xkRBMk Mõðuh rçkÕzªøk - yu ®ðøk, r{¥k÷ RLzMxÙeÞ÷ yuMxuxLke Mkk{u, ytÄuhe fw÷ko hkuz, {hku÷, ytÄuhe (RMx), {wtçkR - 400059.

VkuLk : (022) 28510015, 28510016E-mail : [email protected] CODE : 400126003 IFSC CODE : KCCB0AND052

òuÄÃkwh þk¾kMÚkkÃkLkk : 6-2-2016

• ©e fkirþf¼kE LkËwt¼kE Ãkxu÷• ©e Ãkhkþh¼kE LkðLkeík¼kE Ãkxu÷• ©e «ýð¼kE MkwhuLÿ¼kE Ãkxu÷• ©e ykrMkík¼kE Xkfkuh¼kE Ãkxu÷• ©e Ãkhuþ¼ykE yuLk. ðMkkýe• ©e Äð÷ yu[. Ãkxu÷ - þk¾k {uLkush

1, økúkWLz ^÷kuh, Mk[uík - 4 rçkÕzªøk, «uhýkíkeÚko ËuhkMkh hkuz, òuÄÃkwh, Mkuxu÷kRx, y{ËkðkË - 380015.

VkuLk Lkt.: 26922291E-mail : [email protected] CODE : 380126039 IFSC CODE : KCCB0JOD051

Lkðk rLkfku÷ hkuz þk¾kMÚkkÃkLkk : 18-06-2014

• ©e ÃkwÁ»kku¥k{¼kR çke. ffkýe• ©e ¼e¾k¼kE ze. çkku½kýe• ©e{íke y÷fkçkuLk Ãke. rþhkuÞk• ©e rLkfwts¼kE yu. X¬h - þk¾k {uLkush

1, þktríkrLkfuíkLk rçkÍLkuMk MkuLxh, øktøkkuºke çktø÷kuÍLke Mkk{u, ð]tËkðLk Ãkkxeo Ã÷kux hkuz, rLkfku÷, y{ËkðkË - 382350.

VkuLk Lkt.: 8238087500E-mail : [email protected] CODE : 380126031IFSC CODE : KCCB0JBR035

{uBfku ¢kuMk hkuz þk¾k MÚkkÃkLkk : 14-9-2015

• ©e ytçkh¼kE su. Ãkxu÷• ©e rËLkfh¼kE ðe. Ãkxu÷• ©e zkÌkk¼kE yu{. Ãkxu÷• ©e rËLkuþ¼kE ykh. «òÃkíke

- þk¾k {uLkush

29, 30, þkÞkuLkk MkuLxh, ç÷kuf - yu, {uBfku ¢kuMk hkuz, Lkhkuzk hkuz, y{ËkðkË - 380025.

VkuLk Lkt.: 22203511E-mail : [email protected] CODE : 380126036 IFSC CODE : KCCB0CGR048


75

Aºkk÷ þk¾kMÚkkÃkLkk : 10-2-2017

• ©e rfhex¼kE hk{¼kE Ãkxu÷• ©e þi÷u»k¼kE ðe. MkkuLkkhk• ©e ËuðuLÿ¼kE ÃkkuÃkx÷k÷ Ãkxu÷• ©e MkkiheLk¼kE søkËeþ¼kE Ãkhe¾• ©e Mkwhuþ¼kE LkkÚkk÷k÷ Ãkxu÷• ©e «Vw÷¼kE hMkef÷k÷ ík÷MkkýeÞk• ©e EhuLk¼kE Ãke. Ãkxu÷ - þk¾k {uLkush

Ã÷kux Lkt. 5/yu[/416, Aºkk÷ ELzMxÙeÞ÷ yuMxux, yu[.ze.yuV.Mke. çkUfLke Mkk{u, Aºkk÷ - 382729. íkk. f÷ku÷, S. økktÄeLkøkh

VkuLk Lkt.: (02764) 233600E-mail : [email protected] CODE : 380126041IFSC CODE : KCCB0CHH056

MkkWÚk çkkuÃk÷ þk¾kMÚkkÃkLkk : 05-12-2016

• ©e sÞrËÃk yu[. þkn - þk¾k {uLkush

20/21, ykuŠ[z MkuLxh, MkV÷ ÃkheMkh - 1 Lke Mkk{u, Mkkuçkku MkuLxh ÃkkMku, MkkWÚk çkkuÃk÷, y{ËkðkË - 380058.

VkuLk Lkt.: (079) 29795199E-mail : [email protected] MICR CODE : 380126040IFSC CODE : KCCB0SBP055

LÞw hkýeÃk þk¾kMÚkkÃkLkk : 12-09-2019

• ©e hksw¼kE {Vík÷k÷ Ãkxu÷• ©e rfíkoLk su. Ãkhe¾ - þk¾k {uLkush

rLkþkLk «kEz, ¾kurzÞkh {kíkkLkk {trËh ÃkkMku,LÞw hkýeÃk, y{ËkðkË - 382480

VkuLk Lkt.: 9925228671E-mail : [email protected] MICR CODE : 380126043IFSC CODE : KCCB0NRP062

Mkkçkh{íke þk¾kMÚkkÃkLkk : 10-4-2019

• ©e n»ko÷ çke. Ëðu - þk¾k {uLkush

fkuXkhe xkðh, hk{Lkøkh, Mkkçkh{íke,y{ËkðkË - 380 005.

VkuLk Lkt.: (079) 27500784E-mail : [email protected] CODE : 380126044IFSC CODE : KCCB0SBM060

ðk½kuzeÞk hkuz þk¾kMÚkkÃkLkk : 20-06-2016

• ©e rËÃkuLk fu. ÞksrLkf - þk¾k {uLkush

1/2, økehehks çkkøk MkkuMkkÞxe, «¼kík çkMk MxuLz Mkk{u, ðk½kurzÞk hkuz, ðzkuËhk - 390019.

VkuLk Lkt.: (0265) 2522900E-mail : [email protected] CODE : 390126005IFSC CODE : KCCB0WRB054

hksfkux þk¾kMÚkkÃkLkk : 1-3-2017

• rLkh÷ çke. Ãkxu÷ - þk¾k {uLkush

4-5-6, økýuþ xÙuz MkuLxh, Ã÷kux Lkt. 105, fufuðe nku÷ yLku ELËehk Mkfo÷ ðå[u, 150 Vex hªøk hkuz, hksfkux - 360005.

VkuLk Lkt.: (0281) 2578003E-mail : [email protected] CODE : 360126002IFSC CODE : KCCB0RJT057

LÞw yuMk. S. hkuz þk¾kMÚkkÃkLkk : 29-8-2017

• ©e Mktíkku»k su. Ãkxu÷ - þk¾k {uLkush

1-2-3, ðtËu {kíkh{T ¢kuMk rðLz, ðtËu {kíkh{T Mkfo÷ ÃkkMku, LÞw. yuMk.S. hkuz, økkuíkk, y{ËkðkË - 382481.

VkuLk Lkt.: 9712956280E-mail : [email protected] CODE : 380126042IFSC CODE : KCCB0SGR058

LÞw ðkMkýk þk¾kMÚkkÃkLkk : 14-10-2019

• ©e hkurník¼kE çkwÄk÷k÷ {nuíkk• ©e síkeLk¼kE S. Ãkxu÷• ©e rníkuLÿ su. hkXkuz - þk¾k {uLkush

økúkWLz V÷kuh, íkw÷Mke Ãkkfo ÔÞw, ÃkkuÃÞw÷h {kYrík ðfoþkuÃkLke Mkk{u, S.çke. þkn fku÷usLke ÃkkA¤, y{ËkðkË - 380007.

VkuLk Lkt.: (079) 26606040E-mail : [email protected] CODE : 380126045IFSC CODE : KCCB0NV063

r{Mz fku÷ MkŠðMk

- çku÷uLMk ELfðkÞhe 9712906224

- {eLke Mxux{uLx 9712906225

- rz{ux çku÷uLMk 9925228639

ykÃkLkk hSMxzo {kuçkkE÷ Ãkh r{Mz fku÷ îkhk çku÷uLMk yLku {eLke Mxux{uLx {u¤ðku.

WÃkhkuõík Lktçkh WÃkh hSMxzo {kuçkkE÷ îkhk r{Mz fku÷ fhðkÚke ykÃkLku çku÷uLMk / {eLke Mxux{uLx SMS îkhk {¤þu.

yk MkuðkLkku ÷k¼ ÷uðk ykÃkLkk yufkWLx MkkÚku Mkt÷øLk {kuçkkE÷ Lktçkh çkUfLke LkSfLke þk¾k{kt sELku hSMxzo fhkðku.

76

ANALYSIS OF BRANCHES

Kalupur 1970 17404.70 18543.55 7245.81 6085.18 267.88 286.62

Khokhra 1976 10605.32 10267.83 3361.76 3505.83 213.30 216.66

Bavla 1977 13449.84 15189.65 13861.83 9111.49 395.57 349.29

Bareja 1978 11044.93 13038.69 15509.72 13443.45 417.18 384.77

Sanand 1980 16031.00 17165.19 17198.34 15187.81 641.70 683.22

Usmanpura 1980 15091.06 16228.80 3467.21 3698.56 249.25 209.56

S.M.Road 1981 54565.19 62562.49 8801.66 9654.01 932.98 778.48

St. Xavier's 1983 21020.70 22586.42 3946.44 4691.26 354.64 360.80

Vatwa 1983 16675.28 21832.75 7672.64 9930.53 344.81 445.90

Ashramroad 1986 68469.06 91235.20 11506.52 13233.02 1005.67 1092.33

Patrakar 1986 22425.86 23746.49 3279.12 3727.33 299.37 288.83

Sola Road 1987 36912.99 41035.85 3774.54 4642.94 508.34 586.00

Panchvati 1989 26011.53 27022.92 8341.10 10400.43 530.70 468.45

Vastrapur 1994 14284.42 15563.72 4456.19 5023.39 320.19 275.93

Nava Vadaj 1994 23372.85 24958.70 3502.32 4041.71 414.82 415.03

Drive-in Road 1994 15270.61 16785.74 5106.83 7330.28 297.10 341.43

Bopal 1995 13333.10 14954.97 3393.25 4401.99 322.55 341.63

Isanpur 1995 15181.70 16435.04 3737.62 4213.17 227.05 249.99

Vasna 1995 18562.50 21517.49 4552.28 6104.18 271.64 273.84

Bodakdev 1996 13907.35 16147.71 3742.14 4942.37 292.95 359.74

Anand 1996 13072.49 13133.28 5601.27 4734.67 200.00 228.86

Swastik 1996 10280.79 10555.09 3417.38 3887.48 188.07 188.65

Vadodara 1996 12520.03 13974.61 14744.92 17399.24 416.69 505.32

Maninagar 1996 20439.51 21877.05 3871.09 4613.36 320.46 310.35

Kalbadevi(Mumbai) 1997 4877.41 2719.47 6679.01 5373.41 -3.09 -19.76

Khambhat 1997 8235.20 9295.86 6567.30 6769.04 194.72 199.90

Bapunagar 2001 10571.56 11915.21 5022.53 5837.75 344.79 340.84

Madhavpura 2005 9070.67 9672.56 5933.16 8001.28 208.40 248.17

Stadium road 2006 8170.45 8259.92 2412.58 3068.27 61.55 103.75

Surat(Textile Market) 2007 2929.38 3763.05 14884.13 16020.58 401.08 437.24

Nirma Univesity 2007 7756.89 8051.17 647.18 785.99 109.70 125.17

Anandnagar 2007 37712.84 36207.89 4619.97 7870.94 429.19 425.58

Science City 2008 15488.08 17425.29 4260.32 5727.84 327.92 401.46

Manjalpur 2009 5342.42 5603.08 2991.51 3195.49 132.20 105.52

Udhana-Magdalla 2009 1869.26 2572.59 4934.62 7436.30 150.35 198.36

Gandhinagar 2009 14028.98 15702.14 5888.27 7959.93 245.43 293.14

Kathwada 2009 6890.62 7323.18 7487.52 8916.35 255.88 319.60

Udhana-Udhyognagar 2013 3508.49 4508.12 10390.93 10297.49 186.99 258.72

Pandesara 2013 4329.81 5495.21 5027.25 5923.70 168.27 206.30

Ring Road 2013 1327.67 1574.49 4820.37 6744.50 80.66 66.36

Varachha 2013 2756.04 3526.16 5071.72 6379.61 138.49 187.12

Anand Mahal 2013 3260.51 2353.38 3291.71 4299.39 53.22 54.32

Nava Nikol 2014 6359.09 8639.06 5669.41 6515.29 291.95 355.94

BRANCHES EST. DEPOSITS ADVANCES GROSS PROFITYEAR 31.03.2019 31.03.2020 31.3.2019 31.3.2020 2018-19 2019.20

(Rs. in Lacs)

12000

10000

8000

6000

4000

2000

00020152016

20162017

20172018

20182019

20192020

WORKING CAPITAL


77

BRANCHES EST. DEPOSITS ADVANCES GROSS PROFITYEAR 31.03.2019 31.03.2020 31.3.2019 31.3.2020 2018-19 2019.20

(Rs. in Lacs)

Ankleshwar 2014 8599.28 9165.49 7582.19 8679.80 364.29 382.31

Ghatlodiya 2015 5024.46 6943.08 1579.59 2169.34 51.04 70.75

Memco 2015 1544.94 1929.27 1818.24 2241.26 23.18 34.84

SME and MID CORP 2015 1021.97 1200.47 121729.81 93499.31 3355.47 2560.96

Naroda 2015 3809.27 4565.30 2148.37 3601.95 63.64 102.48

Jodhpur 2016 6907.41 8111.86 1462.44 2154.10 58.91 68.24

Andhari(East) 2016 307.63 300.96 3235.44 3151.30 -90.31 -81.90

Por 2016 402.53 499.30 1660.08 2229.43 23.77 12.61

Wagodia road vadodra 2016 2592.26 2837.15 1457.95 1672.52 6.04 24.94

South bopal 2016 2735.81 4000.19 1637.16 2365.07 34.62 57.13

Chhatral 2017 1368.98 1712.78 3045.34 5021.86 31.02 117.61

Rajkot 2017 1510.11 2958.45 5446.95 10404.40 83.95 312.80

New S.G.Road 2017 3210.99 5052.98 1161.33 1797.06 -14.01 43.43

Sabarmati 2019 0.00 682.84 0.00 248.72 0.00 -21.11

New Ranip 2019 0.00 1390.79 0.00 450.33 0.00 -42.13

New Vasna 2019 0.00 571.84 0.00 227.42 0.00 -23.22

Head Office 1986 480.94 813.00 43023.93 50782.44 4431.21 3401.16

TOTAL 693934.76 783702.81 467680.29 491823.14 21633.43 20970.31

ANALYSIS OF BRANCHES

1300

1200

1100

1000

900

800

700

600

500

400

300

200

10020152016

20162017

20172018

20182019

20192020

OWNED FUNDS

10

17

.12

11

04

.69

12

09

.46

13

36

.34

14

46

.40

64

90

.52

77

05

.66

81

02

.13

86

52

.34

98

90

.42

f{o «íÞuLke rLkck, yu s Mkk[e «ríkck

Mðk{e rððufkLktË

Ëhuf f{o[khe yuLke søÞkyu {nkLk Au.

78

YEAR BRANCHES MEMBERS SHARE RESERVES & DEPOSITS ADVANCES WORKING PROFIT DIVIDENDCAPITAL PROVISIONS CAPITAL

(Rs. in Lacs)

(30 JUNE)

1970-71 - 280 3.63 0.01 27.66 13 93 31.72 0.09 4%

1971-72 - 319 5.82 0.04 59.03 37.32 66.62 1.08 6%

1972-73 - 371 7.97 0.88 89.63 83.98 114.38 1.80 9%

1973-74 - 581 12.24 2.70 160.32 109.75 185 36 3.16 9%

1974-75 - 891 20.26 7.13 191.42 176.28 248.09 7.40 9%

1975-76 1 1225 24.31 14.44 269.66 203.78 324.72 10.10 9%

1976-77 2 2120 29.06 24.39 323.29 286.92 412.33 13.14 9%

1977-78 3 3016 39.73 40.88 425.29 398.49 558.36 15.07 12%

1978-79 3 3702 49.73 59.57 542.50 566.85 798.66 19.21 12%

1979-80 5 4493 62.34 73.30 807.09 830.99 1255.14 24.11 12%

1980-81 5 4943 70.50 107.06 1103.88 1016 13 1697 60 43.49 12%

1981-82 6 5520 96.45 153.98 1454.60 1607 96 2402.06 63.72 12%

1982-83 7 6280 109.33 220.53 2115.63 1931.36 3022.40 76.75 12%

1983-84 8 7413 136 54 287.66 2936.16 3062.67 4300.56 86.26 12%

1984-85 8 8279 158.76 403.50 3798.73 4106.98 5671.24 94.53 12%

1985-86 8 8662 176.19 514.92 4426.50 3671.99 6193.37 99.64 12%

1986-87 12 9006 204.76 654.95 5266.04 5000.81 7468.31 117.40 12%

1987-88 12 9374 231.64 860.91 6115.03 6095.87 9161.50 127.40 12%

1988-89 13 9880 261.22 1182.17 7333.30 7073.71 10403.31 140.44 12%

1989-90 13 10950 281.98 1588.92 10145.83 8089.13 13618.40 145.28 12%

1990-91 13 11909 299.13 2274.80 11065.59 8113.21 15815.23 153.08 12%ST(31 MARCH)

1991-92 14 13276 315.35 3132.30 11703.85 10016.60 17281.93 148.27 12%

1992-93 14 16110 341.47 3994.57 14509.07 10992.14 20798.64 159.83 12%

1993-94 14 19540 431.68 5304.04 30318.54 17112.49 38478.83 360.41 12%

1994-95 17 20931 572.48 7221.34 33184.86 23751.87 44366.78 650.92 15%

1995-96 22 21214 731.13 9507.15 36905.84 34832.18 52601.55 918.51 15%

1996-97 25 21377 880.57 12018.27 41897.92 30262.70 58840.32 1119.16 15%

1997-98 27 21533 874.07 14846.81 63020.58 37049.46 87109.56 1565.95 18%

1998-99 27 22827 891 01 17233.23 106049.34 61604.91 142774.14 1649.78 19%

1999-00 27 23900 913.61 23598.64 129820.45 64193.24 176401.26 2042.48 20%

2000-01 27 24647 901.40 27684.63 113731.50 82064.92 176845.54 2259.86 15%

2001-02 28 24666 983.29 34818.06 76327.33 52744.45 126885.30 2309.31 15%

2002-03 28 25668 1141.47 41655.23 73119.69 45765.05 125457.22 2369.00 12%

2003-04 28 27023 1240.87 48028.24 87039.56 47922.16 144500.67 1801.90 12%

2004-05 28 27848 1385.99 49832.61 93842.99 56660.84 151525.18 1827.26 12%

2005-06 31 28388 1526.82 53336.17 108344.66 57975.71 170242.07 1857.33 12%

2006-07 33 31202 1994.12 51851.06 105369.08 60490.69 177369.51 2228.75 12%

2007-08 33 36565 2585.10 53298.32 135242.11 73565.29 199382.56 2550.10 12%

2008-09 35 37554 3011.60 56378.87 161109.68 90448.34 229240.48 2717.46 12%

2009-10 38 38392 3750.60 59096.65 199208.68 114657.75 272114.11 2810.33 12%

2010-11 38 40161 4862.75 61718.36 223729.11 135691.10 307940.73 3450.29 12%

2011-12 38 42862 6025.31 66296.37 269699.32 188420.93 359384.36 4059.27 15%

2012-13 38 43686 6667.24 70594.18 327495.02 227075.92 421465.39 4884.54 15%

2013-14 43 44314 7362.05 78715.70 413393.93 271300.96 524290.16 6633.14 15%

2014-15 44 46665 8518.14 85661.20 475571.16 272874.89 599131.78 7535.07 12%

2015-16 52 50986 8625.19 93087.13 519686.39 333446.95 649051.99 8411.32 12%

2016-17 55 53817 8735.10 101734.45 624981.65 422118.68 770566.02 8582.45 12%

2017-18 56 51172 8805.36 112141.41 649590.24 390339.42 810213.25 11024.27 15%

2018-19 56 53709 9154.67 124479.49 693934.76 467680.29 865233.67 12272.17 15%

2019-20 59 56657 9444.50 135195.12 783702.81 491823.77 989042.18 12850.29 15%*

* Proposed

PROGRESS... At a Glance

çkUfLke yuMk.yu{. hkuz þk¾kLkk {kLkðtíkk ¾kíkuËkh yLku Xkfhþe [uhexuçk÷ xÙMxLkk {uLkuStøk xÙMxe ©e LkðLkeík¼kR xe. þknLku MkL{kLkÃkºk yuLkkÞík fhe çknw{kLk fhíkkt Mk{khkunLkk «{w¾ yLku økwshkík hkßÞLkk Ãkqðo [eV Mku¢uxhe {kLk. ©e Ãke. fu. ÷nuhe Mkknuçk.

økúknf yr¼ðkËLk Mk{khkun{kt Mkh¤ yLku ÓËÞMÃkþeo ¼k»kk{kt «uhf WËTçkkuÄLk fhíkk çkktÄfk{ûkuºku ½ýk yuðkuzo {u¤ðe Mkkhe Lkk{Lkk {u¤ðLkkh yLku Mk{khkun{kt yríkrÚk rðþu»k ÃkËu WÃkÂMÚkík hnu÷k ykLktËLkøkh þk¾k rðfkMk Mkr{ríkLkk MkÇÞ {kLk. ©e «n÷kË¼kR yuMk. Ãkxu÷. (PSP Projects

Ltd.)

Mkwðýo sÞtíke ð»ko «ðuþkuíMkð{kt {kuxe MktÏÞk{kt WÃkÂMÚkík hnu÷k çkUfLkk {kLkðtíkk ¾kíkuËkhku, þw¼uåAfku, Mk¼kMkË©eyku ¼kRyku çknuLkku.

ykLktËLkøkh þk¾kLkk {kLkðtíkk ¾kíkuËkh yLku Lkðøkwshkík Mk{ÞLkk yuõÍeõÞwxeð yurzxh ©e {Þtf¼kR ÔÞkMkLku MkL{kLkÃkºk ykÃke çknw{kLk fhíkk økúknf yr¼ðkËLk Mk{khkunLkk {wÏÞ {nu{kLk yLku økwshkík nkRfkuxoLkk rðîkLk yuzðkufux {kLk. ©e «fkþ[tÿ X¬h Mkknuçk. yk «Mktøku çkUfLkk [uh{uLk ©e LkðLkeík¼kR Mke. Ãkxu÷, sLkh÷ {uLkush yLku MkeRyku ©e rðLkkuË S. ËkË÷kýe nksh hÌkk.

79

fkuhkuLkk ðkÞhMk fkuðez-19Lkk Mkt¢{ýLku yxfkððkLkk Mkhfkh©eLkk «ÞkMkku{kt Mkn¼køke çkLkðk {wÏÞ{tºke©eLkk hkník Vtz{kt fk÷wÃkwh çkUfu Y>. 1 fhkuz 11 ÷k¾Lkku [uf yÃkoý fÞkuo.

huðze çkòh þk¾kLkwt MÚk¤ktíkh fhe LÞw hkýeÃk þk¾k MktÃkqýo ðkíkkLkwfwr÷ík MkuRV rzÃkkuÍex ÷kufh yLku yu.xe.yu{. MkuLxh MkrníkLkk yãíkLk MkwrðÄkðk¤k {fkLk{kt çkU®føk MkuðkLkk «kht¼ yðMkhu LkeþkLk rðãk÷Þ, hkýeÃkLkk xÙMxe {kLk. ©e hksw¼kR yu{. Ãkxu÷Lke WÃkÂMÚkrík{kt {tøk÷ËeÃk «økxkðíkkt fYýk xÙMxLkk íkífk÷eLk «{w¾ ©e rðMkk¼kR fu. Ãkxu÷. (íkk.12-09-2019)

{kuxe MktÏÞk{kt WÃkÂMÚkík hnu÷k çkUfLke yuMk.yu{.hkuz þk¾k, ð†kÃkwh þk¾k, ykLktËLkøkh þk¾k yLku òuÄÃkwh þk¾kLkk {kLkðtíkk ¾kíkuËkh ¼kRyku-çknuLkku íkÚkk çkUfLkk rzhuõxh©eyku (ykøk÷e nhku¤{kt çkuMku÷k)

ð†kÃkwh þk¾kLkk {kLkðtíkk {rn÷k ¾kíkuËkh ©e{íke y÷fkçkuLk Þkuøkuþ¼kR fLkkurzÞk («kuÃk. hkÄk r¢»ý xuûkxkR÷) Lku MkL{kLkÃkºk yuLkkÞík fhe çknw{kLk fhíkk çkUfLkk rzhuõxh. zkp. rËLkuþ¼kR yu{. y{eLk. yk «Mktøku ©e Þkuøkuþ¼kR fLkkurzÞk ¾kMk nksh hÌkk.

80

Bank achieved PRIDE OF AHMEDABAD - EXCELLENCE AWARD, offered

by the leading local news publication NAV GUJARAT SAMAY (Times of

India group) in the category of Cooperative Banks, for it's better

working and customer service, on 28th September 2019.

The award was given at the hands of Hon'ble Home Minister,

Government of Gujarat, Shri Pradeep Sinh Jadeja and was received by

Shri Vinod Dadlani, CEO, alogwith Shri Dhimant Turakhia, Chief

Development Officer of the bank.

Also seen on the dais are Shri Suresh Patel, Chairman Nav Gujarat

Samay, Mayor of Ahmedabad Smt Bijalben Patel, Respected Dilipdas ji

Maharaj of Shree Jagannath Mandir, Ahmedabad, and Shri Ajaybhai

Umat, Editor in Chief.

Bank has tied up for education loan subsidy under Central

Government Ministry of Minority schemes of PADHO

PARDESH. The student Dhrumil Anilkumar Shah is seen

receiving subsidy for the education loan availed for going to

USA for higher study at the hands of Shri Navneetbhai Patel,

Chairman on 25th June 2019. Bank is supporting student

through tied up with Central & State Government.

ykÃkýe çkUfLkk {rn÷k rzhuõxh ©e{íke r{¥k÷çkuLk çke. Ãkxu÷Lkwt ¼khíkLkk hk»xÙÃkrík {kLkLkeÞ ©e hk{LkkÚk fku®ðËSLkk nMíku MkL{kLk fhðk{kt ykÔÞwt. ©e{íke r{¥k÷çkuLk yu Mk{ksLke Ãkerzík, þkur»kík yLku WÃkurûkík yuðe rð[híke òrík yLku yLÞ òríkyku Mkuðk{kt f{oX çkLkeLku su fkÞo fÞwot Au íkuLku økwshkík yLku Mk{økú ËuþLku økkihððtíkw çkLkkÔÞwt Au.

çkUfLke Mkuxu÷kRx þk¾kLkwt MÚk¤ktíkh fhe LÞw ðkMkýk þk¾k MktÃkqýo ðkíkkLkwfwr÷ík MkuRV rzÃkkuÍex ÷kufh yLku yu.xe.yu{. MkuLxh MkrníkLkk yãíkLk MkwrðÄkðk¤k Mð{kr÷feLkk {fkLk{kt çkU®føk MkuðkLkku «kht¼ fhðkLkk «Mktøku Ãkq. MkktMkË ©e MkwhuLÿ¼kR yu{. Ãkxu÷Lke økkihð{Þe WÃkÂMÚkrík{kt {tøk÷ËeÃk «økxkðíkkt y{ËkðkË þnuhLkk {uÞh ©e{íke rçks÷çkuLk Ãkxu÷. (íkk.14-10-2019)

81

‚{ks ‚uðk™k ûkuºku su{ýu y{qÕÞ Þku„Ëk™ yk…u÷ Au Œuðk ‚{ks ‚uðk™k «nhe™e ‚uðkyku™wt ‚L{k™ fhe™u fk÷w…wh ƒUf …rhðkh ÄLÞŒk y™u „kihð y™w¼ðu Au.«¿kk[ûkw ÃkÈ©e {wõŒkƒu™ …tfsfw{kh z„÷e Œu{s …¿kk[ûkw ©e …tfs¼kR fktrŒ¼kR z„÷e

ƒUf™e þk¾k™k rðfk‚{kt ‚r¢Þ y™u {níð™ku Vk¤ku yk…Œk ŒÚkk ‚k{krsf ‚uðkyku fhŒkt þk¾k rðfk‚ ‚r{rŒ™k ‚ÇÞ©eyku™e ‚uðkyku™wt ‚L{k™.{k™™eÞ ©e zkì. s„Ëeþ¼kR ykh. hkýk - {ýe™„h þk¾k

™ð{k yr¼ðkË™ ‚{khkun «‚t„u nhuf]»ý {trËh, ¼kzs îkhk ‚t[kr÷Œ yûkÞ…kºk VkWLzuþ™™u ƒuf îkhk “Vqzðk™” zku™uþ™{kt yk…e, Œu «‚t„u ƒUf™k [uh{u™ ©e ™ð™eŒ¼kR ‚e. …xu÷ ŒÚkk [uh{u™ yu{uhex‚ ©e ytƒw¼kR yu{. …xu÷™k nMŒu [kðe MðefkhŒk yûkÞ…kºk VkWLzuþ™™k ðkR‚ «ur‚zuLx ©e hkÞk hk{Ëk‚ y™u W…ÂMÚkŒ {nk™w¼kðku ©e ‚whuLÿ¼kR yu{. …xu÷, ©e {nuLÿ¼kR yu™. …xu÷ ([uh{u™ - {{Œk „úw… ykuV RLzMxÙeÍ) ƒUf™k ðkR‚ [uh{u™ ©e r{™uþ¼kR su. …xu÷ ŒÚkk rzhuõxh ©e rË™uþ¼kR yu{. y{e™ y™u ©e ytƒh¼kR su. …xu÷.

Bank has introduced E-stamping activity wth the coordination of Stock Holding

Corporation of India Ltd (Nodal agency- SHCIL)) at Ashram Road branch on

04.09.2019. Seen in the photo are Shri Kanchan Banerjee, Regional Manager

SHCIL, Chairman Shri Navnitbahi Patel, General Manager and CEO Shri

Vinodbhai Dadlani and CDO Shri Dhimant Turakhia. Some features of E-

stamping is ….

(1) Advance refilling has to be done by the bank to maintain required

balance for franking

(2) Customer will fill up specified form while requesting for franking

(3) Staff will fill the details in the portal and has to verified by customer to

avoid any mistake in typing

(4) Advance money will be deposited by the customer at the time of request

for franking

(5) Proper recoreds as per requirement will be maintained by branch.

82

yuMk.yu{.hkuz þk¾k îkhk Wr{Þk rðsÞ MkkuMkkÞxe ÃkkMkuLkk y{q÷ økkzoLk{kt Þkusu÷ ykMkLk «kýkÞk{ rþrçkh Lkt.1 Lkwt {tøk÷ËeÃk «økxkðe þw¼kht¼ fhíkk Wr{Þk rðsÞ MkkuMkkÞxeLkk [uh{uLk ©e fLkw¼kR Ãkxu÷. òuÄÃkwh rðMíkkhLkk BÞwrLk. fkWÂLMk÷h ©e ¼køÞuþ¼kR Ãkxu÷, çkUfLkk Ãkqðo rzhuõxh ©e {nuLÿ¼kR yu{. þkn, þk.rð.Mk.Lkk MkÇÞku ©e fLkw¼kR fu. Ãkxu÷, ©e Lkhuþ¼kR yuLk. Ãkxu÷, MkkuMkkÞxeLkk yøkúýe ©e ykrþ»k¼kR Ãkxu÷, Mk{wíf»ko Þkuøk yufuzu{eLkk Þkuøkk[kÞo ©e{íke rLknkhefkçkuLk [íkwðuoËe, fkÞo¢{Lkk MktÞkusf ©e Mke. yuLk. þwõ÷, þk¾k {uLkush ©e Søkh çke. þkn nksh hÌkk. (íkk.20-1-2020)

fk÷wÃkwh çkUfu 8 {k[o 2020Lkk hkus Þkusu÷ rðï {rn÷k rËLkLke økkihð¼uh WsðýeLkk fkÞo¢{{kt {wÏÞ {nu{kLkÃkËu WÃkÂMÚkík “økúk{©e-¢k^xYxMk”Lkk rzhuõxh ©e{íke yLkkhçkuLk Ãkxu÷ “†eLkk yLkw¼ðku” rð»ku {kuxe MktÏÞk{kt WÃkÂMÚkík hnu÷ çknuLkkuLku Mkh¤ yLku {]Ëw ¼k»kk{kt sýkðe hÌkk Au. yk fkÞo¢{{kt zkÞMk Ãkh yríkrÚk rðþu»k ÃkËu WÃkÂMÚkík hnu÷ VkWLzh-LkkheLkk rzhuõxh yLku òýeíkk †e hkuøk rLk»ýkík zkp. ËþoLkkçkuLk X¬h, çkUfLkk rzhuõxh ©e{íke r{¥k÷çkuLk yu{. Ãkxu÷, rzhuõxh ©e{íke {kÄðeçkuLk xe. Ãkxu÷, çkUfLkk íkífk÷eLk [eV {uLkush ©e{íke {ki÷eçkuLk çkkuzeðk÷k.

hk»xÙLkk 71{k «òMk¥kkf rËLkLke Wsðýe rLkr{¥ku {wÏÞ f[uheLkk Ãkxktøký{kt Þkusu÷ æðsðtËLkLkk fkÞo¢{{kt {wÏÞ {nu{kLk yuõÍeõÞwxeð Mku¢uxhe xw çkkuzo {kLk. ©e {nuLÿ¼kR ykh. Ãkxu÷ hk»xÙ æðs Vhfkðe hÌkk Au. yk «Mktøku WÃkÂMÚkík çkUfLkk [uh{uLk ©e LkðLkeík¼kR Mke. Ãkxu÷, [uh{uLk yu{urhxMk ©e ytçkw¼kR yu{. Ãkxu÷, rzhuõxh ©e nMk{w¾¼kR S. Ãkxu÷, rzhuõxh ©e ytçkh¼kR su. Ãkxu÷, rzhuõxh ©e þi÷u»k¼kR ðe. MkkuLkkhk, yk{trºkík MkÇÞ {kLk. ©e Mkwhuþ¼kR yuLk. Ãkxu÷, sLkh÷ {uLkush yLku MkeRyku ©e rðLkkuË S. ËkË÷kýe {wõík nðk{kt ÷nuhkíkk hk»xÙæðsLku Mk÷k{e ykÃke hÌkk Au. (íkk.26-1-2020)

Wíf]ü «k{krýõŒk

÷kufhY{{ktÚke ŒÚkk ƒUf{ktÚke {¤u÷ {qÕÞðk™ [es ðMŒwyku …hŒ fh™kh ‚VkR fk{Ëkh™e «k{krýfŒk ƒË÷ ƒnw{k™.

©e{Œe ¼k™wƒu™ Ëu‚kE - …t[ðxe þk¾k ‚VkE fk{Ëkh : Y।.50,000/-

÷kufhY{™e ‚VkE ËhBÞk™ {¤u÷ su …hŒ fhu÷.

83

yk©{hkuz þk¾kLkk 34{k ð»ko{kt «ðuþLke WsðýeLkk ¼køkYÃk y{ËkðkË huz¢kuMk MkkuMkkÞxeLkk MknÞkuøkÚke þk¾k{kt hõíkËkLk fuBÃk yLku nuÕÚk yuLz fuh VkWLzuþLkLkk MknÞkuøkÚke ÞkuòÞu÷ zkÞkrçkxeMk fuBÃkLkku {tøk÷ËeÃk «økxkðe þw¼kht¼ fhkðíkk r«ÂLMkÃk÷ fr{~Lkh ykuV RLf{xuûk {kLkLkeÞ ©e Lkhuþfw{kh çkk÷kuzeÞk. yk «Mktøku çkUfLkk [uh{uLk ©e LkðLkeík¼kR Mke. Ãkxu÷, ðkRMk [uh{uLk ©e r{Lkuþ¼kR su. Ãkxu÷ rzhuõxh ©e ytçkh¼kR su. Ãkxu÷, þk¾k rðfkMk Mkr{ríkLkk [uh{uLk ©e Äehuþ¼kR xe. þkn, yríkrÚk rðþu»k ÃkËu WÃkÂMÚkík ÃkËu WÃkÂMÚkík Ãkqðo nuÕÚk rLkÞk{f zkp. rðLkkuË¼kR Ãkxu÷ íkÚkk yLÞ {nkLkw¼kðku. (íkk. 01-07-2019)

hõíkËkLk fhíkkt çkUfLkk yk{trºkík MkÇÞ ©e hkrn÷¼kE Ãkxu÷ yk «Mktøku hõíkËkíkk ¾kíkuËkh ¼kELku «kuíMkkrník fhíkkt ËqhËþoLk fuLÿLkk zkÞhuõxh LÞqÍ ©e Ä{uoLÿ ríkðkhe íkÚkk ©e ËuðuLÿ¼kE Ãkxu÷, ©e rºk÷kuf¼kE yøkúðk÷ íkÚkk ËqhËþoLk fuLÿLkk ©e Ãktfs¼kE [kinký. (zÙkEð ELk hkuz þk¾k, íkk. 12-07-2019)

hõíkËkíkkykuLke ûku{fwþ¤íkkLke Ãk]åAk fhíkkt yLku þw¼uåAk ÃkkXðíkkt {wÏÞ {nu{kLk ÃkÈ©e òuhkðh®MknS ze. òËð, yríkrÚk rðþu»k ©e Ä{uoþ¼kE Ãkxu÷, [uh{uLk yu{urhxMk ©e ytçkw¼kE yu{. Ãkxu÷ íkÚkk þk¾k rðfkMk Mkr{ríkLkk MkÇÞku ykrþ»k¼kE økwÁ, ©e {nuLÿ¼kE S. Ãkxu÷ íkÚkk yLÞ {nkLkw¼kðku. (Mkutx ÍurðÞMko Mfw÷ hkuz þk¾k, íkk. 15-05-2019)

Ãkt[ðxe þk¾k ¾kíku ÞkuòÞu÷ hõíkËkLk fuBÃk{kt ¾kíkuËkhku MkkÚku çkUfLkk sLkh÷ {uLkush yLku MkeEyku ©e rðLkkuË S. ËkË÷kýe hõíkËkLk fhe hÌkkt Au. yk «Mktøku çkUfLkk [uh{uLk©e LkðLkeík¼kR Mke. Ãkxu÷ yLku [uh{uLk yu{urhxMk ©e ytçkw¼kR yu{. Ãkxu÷ yLku Ãkt[ðxe þk¾kLkk {kLkðtíkk ¾kíkuËkh ©e hksuþ¼kE Ãkxu÷ yLku yLÞku nksh hÌkkt níkkt. (íkk.07-04-2019)

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økktÄeLkøkh þk¾k - zkÞkrçkxeMk fuBÃk - íkk:-20-08-2019zkÞkrçkxeMk fuBÃkLke {w÷kfkíku ykðu÷ Mkðo rðãk÷Þ fu¤ðýe {tz¤Lkk [uh{uLk {kLkLkeÞ ©e ðÕ÷¼¼kE yu{.Ãkxu÷ íkÚkk yríkrÚk rðþu»k ©e [uíkLk¼kE Ãkxu÷, ©e h{uþ¼kE Ãkxu÷ íkÚkk yLÞku.

çkkuzfËuð þk¾k hõíkËkLk fuBÃk{kt þk¾kLkk hõíkËkíkk MxkV r{ºkkuLku «kuíMkkrník fhíkkt fkÞo¢{Lkk {wÏÞ {nu{kLk Ãkqðo MkktMkË {kLk. ©e hrík÷k÷ fu.

ð{ko, Retd. IPS, Ex. yuzeþLk÷ ze.S.Ãke. Mke.ykR.ze. ¢kR{, økwshkík hkßÞ {kLk. ©e ðe. ðe. hçkkhe, [uh{uLk yu{urhxMk ©e ytçkw¼kR yu{. Ãkxu÷, þk¾k rðfkMk Mkr{ríkLkk MkÇÞku ©e LkLLkw¼kR Ãke. ÃkzMkk¤k, ©e rËÃkf¼kR S. þkn, ©uÞkçkuLk yuLk. Ãkhe¾, çkUfLkk rzhuõxh ©e nMk{w¾¼kR S. Ãkxu÷ rzhuõxh ©e ytçkh¼kR su. Ãkxu÷, ©e {nuLÿ¼kR ykh. Ãkxu÷ íkÚkk yLÞku.

yuMk. yu{. hkuz þk¾k ¾kíku hõíkËkLk fhe hnu÷ hõíkËkíkkyku ©e hksuþ¼kR Lkkýktðxe (99{e ðkh) íkÚkk ¾kíkuËkh RM{kR÷ ¼kxe (Ãkkt[{eðkh), çkUfLkk ykurVMkh ©e LkiLkuþ¼kR MkkuLke (12{e ðkh) Lku þw¼uåAk ÃkkXðe «kuíMkkrník fhíkkt fkÞo¢{Lkk {wÏÞ {nu{kLk Mkw.©e MkkuLk÷çkuLk {kuËe, çkUfLkk [uh{uLk yu{urhxTMk {kLk. ©e ytçkw¼kR yu{. Ãkxu÷, RMkhkuLkk økúwÃk zkÞhuõxh ©e ykLktË ðe. ÃkkXf, ðe.yuMk.yuMk.yu{.Lkk {uLkuStøk xÙMxe Mkw.©e r{¥k÷çkuLk yu{. Ãkxu÷, çkUfLkk rzhuõxh ©e nMk{w¾¼kR S. Ãkxu÷, ©e{íke fuíkfeçkuLk yu[. Ãkxu÷, ykMke. sLkh÷ {uLkush (ðneðx) ©e [uíkLk¼kR Ãkxu÷, fkÞo¢{Lkk MktÞkusf ©e Mke.yuLk. þwõ÷., ykurVMkh ¼kir{f¼kR ykh. Lkkýktðxe. (íkk. 15-11-2019)

hõíkËkíkkykuLku «kuíMkkrník fhíkkt fkÞo¢{Lkk {nu{kLkku ©e çkkçkw¼kE Ãkxu÷, ©e zkp. r[hkøk ykh. y{eLk, ©e{íke zkp. {eLkkçkuLk Mke. y{eLk, çkUfLkk Ãkqðo rzhuõxh yLku Mkku÷khkuz þk¾k rðfkMk Mkr{ríkLkk [uh{uLk ©e fu. fu. Ãkxu÷, rzhuõxh ©e nMk{w¾¼kE S. Ãkxu÷ íkÚkk yLÞku. (Mkku÷k hkuz þk¾k, íkk. 17-07-2019)