Þeer. He´keÀeMe mees. ceesefnles Þeer. pe³eHe´keÀeMe efMe. … · 2019. 11. 19. · 6. Dee³ekeÀj Yeju³eeveblej®ee efveJJeU veHeÀe 37.58 35.61 -1.97 7. He´l³e#e Dee³ekeÀj

Þeer. meerleejece kegbÀìsceneHeeefuekeÀe Dee³egkeÌle

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Þeer. efceueerve meeJebleceneHeeefuekeÀe GHe-Dee³egkeÌle

Þeer. nefjYeeT Meb. efvekeÀceceneHeeefuekeÀe He´cegKe uesKeeHeeue (efJelle)

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Þeerceleer nsceuelee Mee. ³esKesceneHeeefuekeÀe He´cegKe uesKeeHeeue (ceO³eJeleea Kejsoer Keeles)

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(efo. 05.01.2015 He³e¥le)

(efo. 27.04.2015 He³e¥le)

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cegbyeF&, efoveebkeÀ ë 25.07.2015

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(ye) G®®e µew#eefCekeÀ keÀpe& ë

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Jeie& keÀjeJeer ueeieles. lemes®e keÀuece 67 DevJe³es ueeYeebMee®es peemleerle peemle oj 15 ìkeÌkesÀ Deens Je l³eeHe´ceeCes yeBkeÀ meelel³eeves ueeYeebMe osle Deens. ceneje


16

keÀe³ee&}³eeµeer pees[C³eele Dee}s}er Deensle. l³eecegUs pekeÀele DeefYekeÀl³ee¥vee (Spebìvee) SkeÀe®e pekeÀele mebkeÀ}ve keWÀêeJej Keeles GIe[tve l³ee Keel³eeceeHe&Àle meJe& pekeÀele mebkeÀ}ve keWÀêebJejer} J³eJenej keÀjCes meesF&®es Pee}s Deens. DenJee} mee}er yeBkesÀ}e jÀHe³es 17.82 keÀesìer pekeÀele keÀefceµeveHeesìer GlHevve efceUe}s Deens.pekeÀele mebkeÀuevee®³ee keÀecekeÀepeeyeeyele pekeÀele jenCeej efkebÀJee Sueyeerìer ³esCeej efkebÀJee Dev³e He³ee&³e keÀj J³eJemLee nesCeej ³eeyeeyele mebYe´ceJemLee nesleer. Hejbleg keWÀê mejkeÀejves peer.Sme.ìer. keÀe³eoe ueeskeÀmeYesceO³es Heejerle kesÀuee Deens. ³esl³ee HeeJemeeUer DeefOeJesMeveeceO³es meoj keÀe³eoe Heejerle nesC³ee®eer MekeÌ³elee Deens Je l³eeveblej SefHe´ue 2016 Heemetve meJe& osMeYejeceO³es ueeiet nesCeej Demeu³eeves yeBkesÀkeÀ[erue pekeÀele mebkeÀuevee®es keÀecekeÀepe jenCeej veener. meO³ee yeBkesÀ®³ee pekeÀele mebkeÀueve keWÀêebJej yeBkesÀ®es 94 keÀce&®eejer keÀe³e&jle Deensle. ³eemleJe meoj keÀce&®eejer, pekeÀele mebkeÀuevee®es keÀecekeÀepe yeBkesÀkeÀ[tve iesu³eeJej yeBkesÀkeÀ[s peeoe nesleerue. pekeÀele mebkeÀueve keWÀêebJej DeefleefjkeÌle nesCee-³ee keÀce&®ee-³eebHewkeÀer megceejs 50 les 60 keÀce&®eejer veJ³eeves GIe[C³eele ³esCee-³ee MeeKee keÀe³ee&ue³eebceO³es efkebÀJee MeeKee keÀe³ee&ue³eebceO³es keÀce&®eejer keÀceer Demeuesu³ee peeieer Je ³esl³ee Je

17


171717

lemes®e jep³emlejer³e, DeefKeue Yeejleer³e, je


18

Sve.F&.SHeÀ.ìer. Je ye®ele Keel³eeÜejs keÀjC³eele ³esles. DenJee} mee}eceO³es Deµee SketÀCe 3103 meYeemeoebvee mesJeeefveJe=lleer®³ee efoJeµeer®e Debeflece efvekeÀe}er efnµesyeeb®es DeefOeoeve keÀjC³eele Dee}s. mesJeeefveJe=lle nesCee-³ee meYeemeoebveer veeceOeejer meYeemeolJe efceUefJeC³eekeÀjerlee mesJeeefveJe=lleer®³ee efoveebkeÀeHetJeea yeBkesÀkeÀ[s Depe& keÀjCes DeeJeµ³ekeÀ Deens. lemes®e mesJeeefveJe=lle nesCee-³ee meYeemeoebvee efJevece´ DeeJeenve keÀjC³eele ³esles keÀer, mesJeeefveJe=lleer®³ee JesUer efceUCeejer jkeÌkeÀce DeeHeu³ee yeBkesÀle þsJetve DeekeÀ

19


191919

Hej Heeefjleesef


20

GJe&efjle He´mleeJeeb®eer meb®ee}keÀ ceb[Ueme efµeHeÀejme kesÀ}err peeles. DenJee} mee}ele meefceleer®³ee 105 meYee Peeu³ee.

30. mebieCekeÀ, meu}eieej, efJeOeer Je uesKee Heefj#eCe meefceleer ë-

yeBkesÀle mebHetCe& mebieCekeÀerkeÀjCee®³ee o=

21


212121

AMENDMENT TO BYE-LAWS / Heesìefve³eceele megef®ele yeoue

Bye-Laws No.

GHeefJeOeer ke´ÀceebkeÀ

Existing Bye-Laws efJeÐeceeve Heesìefve³ece Proposed Bye-Laws megef®ele Heesìefve³ece Reason for Amendment megOeejCee keÀjC³ee®es keÀejCe

4 (xxx) Functional directors means and

includes a Managing Director or a

Chief Executive Officer by whatever

designation called or any of the head

of the Department of the concerned

society, nominated by the Board of

Directors

Functional directors means

Managing Director or a Chief

Executive Officer by whatever

designation called and includes

any head of the Department of

the concerned society, workmen or

representative of recognized union

of the society’s, who are nominated

by the Board of Directors

Due to recent changes in

Maharashtra State Co-operative

Society Act 1960 on 30.08.2014.

4 (30) `keÀe³e&ue#eer meb®eeuekeÀ` cnCepes keÀe³e&keÀejer

meb®eeuekeÀ DeLeJee cegK³e keÀe³e&keÀejer DeefOekeÀejer

DeLeJee keÀesCel³eener DeMee HeoeJej DemeCeejer

J³ekeÌleer peer meb®eeuekeÀ ceb[Ueves cegK³e DeefOekeÀejer

vesceueer Deens.

`keÀe³e&ue#eer meb®eeuekeÀ` ë- ³ee®ee DeLe&

J³eJemLeeHekeÀer³e meb®eeuekeÀ efkebÀJee cegK³e keÀe³e&keÀejer

DeefOekeÀejer- ceie lees keÀesCel³eener Heoveeceeves

mebyeesOeC³eele ³esJees - Demee Deens DeeefCe l³eeceO³es

meb®eeuekeÀ ceb[Ueves veeceefveoxefMele kesÀuesu³ee,

mebyebOeerle mebmLes®³ee keÀesCel³eener efJeYeeieHećegKee®ee,

keÀce&®ee-³ee®ee efkebÀJee ceev³eleeHeéHle mebIeìves®³ee

HeéfleefveOeer®ee meceeJesMe neslees.

ceneje


22

AMENDMENT TO BYE-LAWS / Heesìefve³eceele megef®ele yeoue

Bye-Laws

No.

GHeefJeOeer ke´ÀceebkeÀ

Existing Bye-Laws efJeÐeceeve Heesìefve³ece Proposed Bye-Laws megef®ele Heesìefve³ece Reason for Amendment

megOeejCee keÀjC³ee®es keÀejCe

49 "The Board shall constitute an

Executive Committee and other

committees or subcommittees as

may be considered necessary. Each

committee shall consists of not more

than five members."

The Board shall constitute an

Executive Committee and other

committees or subcommittees as

may be considered necessary. Each

committee shall consists of not more

than ten members.

Considering the number of members

in the Board in order to have proper

representation on committee,

members in the committee should

be more than five.

49 mebmLes®es meb®eeuekeÀ cebb[U SkeÀe keÀe³e&keÀejer

meefceleer®es DeeefCe Flej meefcel³eeb®es DeLeJee GHe

meefcel³ebe®es iejpesvegmeej ieþve keÀjsue. keÀe³e&keÀejer

meefceleer mees[tve Flej GHemeefcel³ebeceO³es peemleerle

peemle 5 meom³e Demeleerue.

mebmLes®es meb®eeuekeÀ cebb[U SkeÀe keÀe³e&keÀejer

meefceleer®es DeeefCe Flej meefcel³eeb®es DeLeJee GHe

meefcel³ebe®es iejpesvegmeej ieþve keÀjsue. He´l³eskeÀ

meefcel³ebeceO³es peemleerle peemle one meom³e

Demeleerue.

SketÀCe meb®eeuekeÀ meom³eeb®³ee mebK³es®ee efJe®eej

keÀjlee meefcel³eebJej meb®eeuekeÀeb®es ³eesi³e He´efleefveOeerlJe

DemeC³eemeeþer Hee®eHes#ee DeefOekeÀ meb®eeuekeÀ meom³e

meefcel³eebJej DemeCes DeeJeM³ekeÀ Deens.

53 ( b) Loans and advances may be granted

to non-members against the security

of their term deposits with the Bank.

Loans and advances should not be

granted to non-members against the

security of their term deposits with

the Bank

For obtaining Reserve Bank of

India approval for opening of new

branches

53 (ye) cegole þsJeer®³ee leejCeeHeesìer efyeiej meYeemeoeme

keÀpe&/ G®eue cebpetj keÀjCes

cegole þsJeer®³ee leejCeeHeesìer efyeiej meYeemeoeme

keÀpe&/G®eue cebpetj keÀjÀ ve³es.

yeBkesÀuee veJeerve MeeKee efJemleej keÀjC³eemeeþer

Yeejleer³e efjPeJn& yeBkesÀ®eer cebpetjer efceUCesmeeþer.

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.11

Municipal_Co-op_Bank_2015_Inside pgs_R3.indd 22 7/11/2015 5:22:15 PM

23


232323

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24

BALANCE SHEET AS ON 31ST MARCH 2015 31 _mM© 2015 AIoaMo Vmio~§X nÌH$PREVIOUS YEAR

_mJrb df©CAPITAL & LIABILITIES

^m§S>db d XoUrCURRENT YEAR

Mmby df©Rs. Ps. Rs. Ps. Rs. Ps.

1) CAPITAL ^m§S>db2,000,000,000.00 (i) Authorised Capital:

20,000,000 Shares of ` 100/- each2,000,000,000.00

A{YH¥$V ^m§S>db …20,000,000 àË`oH$s ^mJ ` 100/- Mm

(ii) Subscribed & Paid-up Capital

15,338,111, Shares of ` 100/- each

(P.Y. 13,841,030 Shares of ` 100/- each)

15,338,111, ^mJ àË òH$s ` 100/- Mm

(_m.d. 13,841,030 ^mJ àË òH$s ` 100/- Mm)(A) Individuals d¡̀ pŠVH$

1,220,680,560.00 a) Members g^mgX 1,347,619,730.00

163,422,400.00 b) Nominal Members Zm_Ymar g^mgX 186,191,300.00

(B) Co-operative Instituitions & State Govt

ghH$mar g§ñWm Am{U amÁ` gaH$ma

1,384,102,960.00 1,533,811,030.00

2) RESERVE FUND & OTHERS RESERVES

amIrd {ZYr d BVa {ZYr(i) STATUTORY RESERVES d¡Ym{ZH$ {ZYr

858,199,944.56 Opening balance Ama§{^Mr {eëbH$ 939,485,185.56

79,693,677.96 Add : Appropriation A{YH$ … Z\$m {d^mJUr 91,495,267.87

1,591,563.04 Add: Addition during the year A{YH$ … df©̂ amVrb O_m 78,974.00

939,485,185.56 1,031,059,427.43

137,111,667.00 (ii) BUILDING FUND B_maV {ZYr 137,111,667.00

(iii) DIVIDEND EQUALISATION FUND

g_Vmob Z\$m dmQ>Ur {ZYr105,943,420.00 Opening balance Ama§{^Mr {eëbH$ 117,970,474.00

12,027,054.00 Add : Appropriation Z\$m {d^mJUr 6,598,793.00

117,970,474.00 124,569,267.00

- (iv) SPECIAL BAD DEBTS RESERVE Img ~wS>rV {ZYr -

1,194,567,326.56 C/f nw.nm. 1,292,740,361.43

1,384,102,960.00 Carried forward nwT>rb nmZmda 1,533,811,030.00


_mJrb df©PROPERTY & ASSETS

_mb_Îmm d `oUrCURRENT YEAR


1) CASH amoI>

395,561,878.47 Cash on Hand amoI {eëbH$ 210,620,469.39

8,243,200.00 ATM Cash (EQrE_ amoI) 11,038,200.00

2) BALANCES WITH R.B.I., S.B.I, STATE CO-OP BANK, DISTRICT CO-OP BANK

[aPìh© ~±H$, ñQ>oQ> ~±H$ Am°\$$ B§{S>`m, _hmamï´> ñQ>oQ> H$mo-Am°n.$~±H$ d _w§~B© {Oëhm _Ü`dVu H$mo-Am°n. ~±H$m _Yrb {eëbH$

244,032,127.04 a) Current Deposit Mmby R>oodr 1,189,929,573.29

500,000.00 b) Fixed Deposit _wXV R>odr 500,000.00

244,532,127.04 1,190,429,573.29

3) BALANCE WITH OTHER BANKS BVa ~±H$mVrb {eëbH$

148,606,426.91 a) Current Deposit Mmby R>oodr 71,975,846.00

2,700,000,000.00 b) Fixed Deposit _wXV R>odr 2,430,100,000.00

2,848,606,426.91 2,502,075,846.00

- 4) MONEY AT CALL & SHORT NOTICE Aën gwMZm d Aën _wXV a¸$_ 80,000,000.00

5) INVESTMENTS Jw§VdUyH$

5,477,675,062.16 (i) Central & State Govt. Securities(Earmarked for Statutory Reserves ` 1022997907/-)Face Value ` 8069600000/- (P.Y. ` 5515171000/-)

H|$Ð gaH$ma d amÁ` gaH$maMo H$O©amoIo(`mn¡H$s g§{MV {ZYr H$arVm ` 1022997907/-)Xe©Zr _wë` ` 8069600000/- (_m. d. ` 5515171000/-)

8,003,528,673.16

- (ii) Other approved Securities BVa _mÝ`VmàmßV H$O©amoIo -

(iii) Shares in Co-operative Instituitions ghH$mar g§ñWmMo ^mJ

30,000,000.00 M.D.C.C. Bank _w§~B© {Oëhm _Ü`dVu H$mo-Am°n. ~±H$ 30,000,000.00

5,507,675,062.16 8,033,528,673.16



25


252525





1) CAPITAL ^m§S>db2,000,000,000.00 (i) Authorised Capital:

20,000,000 Shares of ` 100/- each2,000,000,000.00

A{YH¥$V ^m§S>db …20,000,000 àË`oH$s ^mJ ` 100/- Mm

(ii) Subscribed & Paid-up Capital

15,338,111, Shares of ` 100/- each

(P.Y. 13,841,030 Shares of ` 100/- each)

15,338,111, ^mJ àË òH$s ` 100/- Mm

(_m.d. 13,841,030 ^mJ àË òH$s ` 100/- Mm)(A) Individuals d¡̀ pŠVH$

1,220,680,560.00 a) Members g^mgX 1,347,619,730.00

163,422,400.00 b) Nominal Members Zm_Ymar g^mgX 186,191,300.00

(B) Co-operative Instituitions & State Govt

ghH$mar g§ñWm Am{U amÁ` gaH$ma

1,384,102,960.00 1,533,811,030.00

2) RESERVE FUND & OTHERS RESERVES

amIrd {ZYr d BVa {ZYr(i) STATUTORY RESERVES d¡Ym{ZH$ {ZYr

858,199,944.56 Opening balance Ama§{^Mr {eëbH$ 939,485,185.56

79,693,677.96 Add : Appropriation A{YH$ … Z\$m {d^mJUr 91,495,267.87

1,591,563.04 Add: Addition during the year A{YH$ … df©̂ amVrb O_m 78,974.00

939,485,185.56 1,031,059,427.43

137,111,667.00 (ii) BUILDING FUND B_maV {ZYr 137,111,667.00

(iii) DIVIDEND EQUALISATION FUND

g_Vmob Z\$m dmQ>Ur {ZYr105,943,420.00 Opening balance Ama§{^Mr {eëbH$ 117,970,474.00

12,027,054.00 Add : Appropriation Z\$m {d^mJUr 6,598,793.00

117,970,474.00 124,569,267.00

- (iv) SPECIAL BAD DEBTS RESERVE Img ~wS>rV {ZYr -

1,194,567,326.56 C/f nw.nm. 1,292,740,361.43






1) CASH amoI>

395,561,878.47 Cash on Hand amoI {eëbH$ 210,620,469.39

8,243,200.00 ATM Cash (EQrE_ amoI) 11,038,200.00

2) BALANCES WITH R.B.I., S.B.I, STATE CO-OP BANK, DISTRICT CO-OP BANK

[aPìh© ~±H$, ñQ>oQ> ~±H$ Am°\$$ B§{S>`m, _hmamï´> ñQ>oQ> H$mo-Am°n.$~±H$ d _w§~B© {Oëhm _Ü`dVu H$mo-Am°n. ~±H$m _Yrb {eëbH$

244,032,127.04 a) Current Deposit Mmby R>oodr 1,189,929,573.29

500,000.00 b) Fixed Deposit _wXV R>odr 500,000.00

244,532,127.04 1,190,429,573.29

3) BALANCE WITH OTHER BANKS BVa ~±H$mVrb {eëbH$

148,606,426.91 a) Current Deposit Mmby R>oodr 71,975,846.00

2,700,000,000.00 b) Fixed Deposit _wXV R>odr 2,430,100,000.00

2,848,606,426.91 2,502,075,846.00

- 4) MONEY AT CALL & SHORT NOTICE Aën gwMZm d Aën _wXV a¸$_ 80,000,000.00

5) INVESTMENTS Jw§VdUyH$

5,477,675,062.16 (i) Central & State Govt. Securities(Earmarked for Statutory Reserves ` 1022997907/-)Face Value ` 8069600000/- (P.Y. ` 5515171000/-)

H|$Ð gaH$ma d amÁ` gaH$maMo H$O©amoIo(`mn¡H$s g§{MV {ZYr H$arVm ` 1022997907/-)Xe©Zr _wë` ` 8069600000/- (_m. d. ` 5515171000/-)

8,003,528,673.16

- (ii) Other approved Securities BVa _mÝ`VmàmßV H$O©amoIo -

(iii) Shares in Co-operative Instituitions ghH$mar g§ñWmMo ^mJ

30,000,000.00 M.D.C.C. Bank _w§~B© {Oëhm _Ü`dVu H$mo-Am°n. ~±H$ 30,000,000.00

5,507,675,062.16 8,033,528,673.16




26





1,384,102,960.00 Brought forward _mJrb nmZmdê$Z 1,533,811,030.00

1,194,567,326.56 B/f _m.nm. 1,292,740,361.43

(v) (A) BAD & DOUBTFUL DEBTS RESERVE

~wS>rV d A{ZpíMV H$O} {ZYr252,028,512.38 Opening Balance Ama§{^Mr {eëbH$ 251,926,490.38

30,000.00 Add:- Recovery from written off accounts

A{YH$ … {Zb}{IV H$OmªMr dgwbr -

- Add:- Prov. During the Year A{YH$ … df©âmVrb VaVyX -

132,022.00 Less: Transfer to S. G. F. / P&L A/c

dOm : Om[_ZH r h_r {ZYr / Z\$m VmoQm ImVo diVo 20,000,000.00251,926,490.38 231,926,490.38

(B) B.D.D.R. (ALLOWED UNDER I.T. ACT)

~wS>rV d A{ZpíMV H$O} (Am`H$a {Z`_mZwgma)108,407,854.52 Opening Balance Ama§{^Mr {eëbH$ 108,407,854.52

360,334,344.90 108,407,854.52

(vi) PROVISION FOR STANDARD ASSETS

ñQ>±S>S>© _mb_ÎmogmR>r VaVyX55,880,072.00 Opening Balance Ama§{^Mr {eëbH$ 58,249,072.00

2,369,000.00 Add : Prov. During the Year A{YH$ … df©âmVrb VaVyX 7,800,000.00

58,249,072.00 66,049,072.00

2,512,000.00 (vii) SPECIAL RESERVES U/s 36 (i) (viii)

Img {ZYr 36(1)(8) A§VJ©V2,512,000.00

(viii) SURETYSHIP GUARANTEE FUND Om{_ZH$s h_r {ZYr258,810,611.63 Opening Balance Ama§{^Mr {eëbH$ 234,746,615.71

14,556,856.02 Add: Addition during the year A{YH$ … df©âmVrb O_m 38,392,214.00

5,419,362.06 Add:- Recovery from written off accounts

A{YH$ … {Zb}{IV H$OmªMr dgwbr7,049,662.71

44,040,214.00 Less: written off during the Year

dOm … df©âmVrb {Zb}{IV H$O} 19,092,576.71

234,746,615.71 261,095,915.71

(ix) INVESTMENT DEPRECIATION RESERVE

H$O© amoIo KQ> {ZYr17,297,801.00 Opening balance Ama§{^Mr {eëbH$ 23,641,529.00

6,343,728.00 Add: during the year A{YH$ … df©âmVrb VaVyXless: P.Y. Invt. Fluctuation Fund _mJrb dfm©Vrb Jþ§VdUÿH {ZYr

-

6,343,728.00

23,641,529.00 17,297,801.00 1,874,050,888.17 C/f nw.nm. 1,980,029,495.04



27


272727






1,194,567,326.56 B/f _m.nm. 1,292,740,361.43

(v) (A) BAD & DOUBTFUL DEBTS RESERVE

~wS>rV d A{ZpíMV H$O} {ZYr252,028,512.38 Opening Balance Ama§{^Mr {eëbH$ 251,926,490.38

30,000.00 Add:- Recovery from written off accounts

A{YH$ … {Zb}{IV H$OmªMr dgwbr -

- Add:- Prov. During the Year A{YH$ … df©âmVrb VaVyX -

132,022.00 Less: Transfer to S. G. F. / P&L A/c

dOm : Om[_ZH r h_r {ZYr / Z\$m VmoQm ImVo diVo 20,000,000.00251,926,490.38 231,926,490.38

(B) B.D.D.R. (ALLOWED UNDER I.T. ACT)

~wS>rV d A{ZpíMV H$O} (Am`H$a {Z`_mZwgma)108,407,854.52 Opening Balance Ama§{^Mr {eëbH$ 108,407,854.52

360,334,344.90 108,407,854.52

(vi) PROVISION FOR STANDARD ASSETS

ñQ>±S>S>© _mb_ÎmogmR>r VaVyX55,880,072.00 Opening Balance Ama§{^Mr {eëbH$ 58,249,072.00

2,369,000.00 Add : Prov. During the Year A{YH$ … df©âmVrb VaVyX 7,800,000.00

58,249,072.00 66,049,072.00

2,512,000.00 (vii) SPECIAL RESERVES U/s 36 (i) (viii)

Img {ZYr 36(1)(8) A§VJ©V2,512,000.00

(viii) SURETYSHIP GUARANTEE FUND Om{_ZH$s h_r {ZYr258,810,611.63 Opening Balance Ama§{^Mr {eëbH$ 234,746,615.71

14,556,856.02 Add: Addition during the year A{YH$ … df©âmVrb O_m 38,392,214.00

5,419,362.06 Add:- Recovery from written off accounts

A{YH$ … {Zb}{IV H$OmªMr dgwbr7,049,662.71

44,040,214.00 Less: written off during the Year

dOm … df©âmVrb {Zb}{IV H$O} 19,092,576.71

234,746,615.71 261,095,915.71

(ix) INVESTMENT DEPRECIATION RESERVE

H$O© amoIo KQ> {ZYr17,297,801.00 Opening balance Ama§{^Mr {eëbH$ 23,641,529.00

6,343,728.00 Add: during the year A{YH$ … df©âmVrb VaVyXless: P.Y. Invt. Fluctuation Fund _mJrb dfm©Vrb Jþ§VdUÿH {ZYr

-

6,343,728.00

23,641,529.00 17,297,801.00 1,874,050,888.17 C/f nw.nm. 1,980,029,495.04







6) ADVANCES H$O}

(i) Short Term Secured Loans

1,314,978,007.23 due from individualsof the advances, amount overdue ` 3845668/- (P.Y. ` 9544423)

gwa{jV (dgwb hmoÊ`mOmoJr) d¡`{ŠVH$ Aën _wXVrMr H$O}darb H$Om©n¡H$s WH$~mH$s ` 3845668/-(_mJrb dfm©Mr WH$~mH$s ` 9544423)

1,463,803,667.61

ii) Medium Term Secured Loans

13,354,885,868.64 due from individualsof the advances, amount overdue ` 113411302/- (P.Y. ` 167767233)

_Ü`_ _wXVrMr d¡`pŠVH$ H$O} darb H$Om©n¡H$s WH$~mH$s ` 113411302/-(_mJrb dfm©Mr WH$~mH$s ` 167767233)

15,150,862,732.62

iii) Long Term Secured Loans

251,735,806.83 due from Members & Staff of the advances, amount overdue ` 112580/- (P.Y. ` 724349)

XrK© _wXVrMr H$O} g^mgX d H$_©Mmardarb H$Om©n¡H$s WH$~mH$s ` 112580/-(_mJrb dfm©Mr WH$~mH$s ` 724349)

244,442,689.75

Of the total advances, total amount overdue ` 117369550/- and NPA ` 310136035/-

darb H$Om©n¡H$s EHy$U WH$~mH$s ` 117369550/-Am{U AZwËnm{XV H$O} ` 310136035/-

14,921,599,682.70 16,859,109,089.98

7) INTEREST RECEIVABLE ì`mO òUo

126,256,355.00 (i) On Investments & Deposits R>odr d Jw§VdUwH$sdarb 132,047,810.00

44,280,639.00 (ii) On Non Performing Advances H$Om©darb ì`mO òUo ~mH$s 43,641,289.00

170,536,994.00 175,689,099.00

- 8) BILLS FOR COLLECTION AS PER CONTRA dgwbr H$arVm Ambobo YZmXoe

-

- 9) BRANCH ADJUSTMENTS (NET) emIm OwiUr (ZŠV) -




28






1,874,050,888.17 B/f _m.nm. 1,980,029,495.04

(x) MEDICAL AID FUND g^mgX ñdmñÏ` {Z{Y29,308,733.56 Opening balance Ama§{^Mr {eëbH$ 36,327,527.56

10,000,000.00 Add: Appropriation A{YH$ Z\$m {d^mJUr 5,000,000.00

2,981,206.00 Less: Payments during the year dOm … df©âmVrb {Xbobr aŠH$_

2,226,359.00

36,327,527.56 39,101,168.56 (xi) CALAMITY FUND g§H$Q> {ZdmaU {ZYr

12,903,967.00 Opening Balance Ama§{^Mr {eëbH$ 12,728,967.00

- Add: Appropriation A{YH$ Z\$m {d^mJUr -

175,000.00 Less: Payments during the year dOm … df©âmVrb {Xbobr aŠH$_

85,000.00

12,728,967.00 12,643,967.00 (xii) EDUCATION FUND {ejU {ZYr




2,229,179.00 -

7,135,873.10 23,206,694.10 (xiii) RESERVE FOR REPAIR & RENOVATION

Xþê$ñVr d ZwVZrH$aUmgmR>r {ZYr40,658,720.75 Opening Balance Ama§{^Mr {eëbH$ 40,383,075.75

Add: Appropriation A{YH$ Z\$m {d^mJUr 7,900,000.00


4,328,865.60

40,383,075.75 43,954,210.15 (xiv) MEMBERS WELFARE FUND g^mgX H$ë`mU {ZYr



35,757,122.00 Add: Interest credited during the year

A{YH$ … df©âmVrb ì`mO O_m40,230,718.00

21,942,343.37 Add: Interest on MWF contribution

A{YH$ … g^mgX H$ë`mU dJ©Ur darb ì`mO23,500,365.57

43,400,286.28 Less: Cash Assistance dOm … amoI ghmæ` 43,175,802.39

377,524,452.83 413,079,734.01

2,348,150,784.41 C/f nw.nm. 2,512,015,268.86



29


292929






1,874,050,888.17 B/f _m.nm. 1,980,029,495.04

(x) MEDICAL AID FUND g^mgX ñdmñÏ` {Z{Y29,308,733.56 Opening balance Ama§{^Mr {eëbH$ 36,327,527.56


2,981,206.00 Less: Payments during the year dOm … df©âmVrb {Xbobr aŠH$_

2,226,359.00

36,327,527.56 39,101,168.56 (xi) CALAMITY FUND g§H$Q> {ZdmaU {ZYr


- Add: Appropriation A{YH$ Z\$m {d^mJUr -


85,000.00

12,728,967.00 12,643,967.00 (xii) EDUCATION FUND {ejU {ZYr




2,229,179.00 -

7,135,873.10 23,206,694.10 (xiii) RESERVE FOR REPAIR & RENOVATION

Xþê$ñVr d ZwVZrH$aUmgmR>r {ZYr40,658,720.75 Opening Balance Ama§{^Mr {eëbH$ 40,383,075.75

Add: Appropriation A{YH$ Z\$m {d^mJUr 7,900,000.00


4,328,865.60

40,383,075.75 43,954,210.15 (xiv) MEMBERS WELFARE FUND g^mgX H$ë`mU {ZYr



35,757,122.00 Add: Interest credited during the year

A{YH$ … df©âmVrb ì`mO O_m40,230,718.00

21,942,343.37 Add: Interest on MWF contribution

A{YH$ … g^mgX H$ë`mU dJ©Ur darb ì`mO23,500,365.57

43,400,286.28 Less: Cash Assistance dOm … amoI ghmæ` 43,175,802.39

377,524,452.83 413,079,734.01

2,348,150,784.41 C/f nw.nm. 2,512,015,268.86







10) PREMISES B_maV


4,636,738.00 Less: Depreciation dOm … Kgmam 4,636,738.00

46,367,380.00 41,730,642.00

11) FURNITURE & FIXTURES \${Z©Ma d BVa


2,726,468.00 Add: Addition during the year. A{YH$ … df©âmVrb IaoXr 5,258,803.91

2,649,391.74 Less : Depreciation for the year dOm … df©âmVrb Kgmam 2,820,029.28

642,600.00 Less : Sale / write off dOm … {dH«$s/{Zb}{IV 548,198.00

24,574,658.83 26,465,235.46

12) COMPUTER PERIPHERALS g§JUH$ d BVa


13,390,565.87 Add: Addition during the year. A{YH$ … df©âmVrb IaoXr 8,882,944.12

10,310,010.59 Less : Depreciation for the year dOm … df©âmVrb Kgmam 12,747,277.33

14,243,279.82 10,378,946.61

13) VEHICLES dmhZ

983,035.00 Opening Balance Ama§{^Mr {eëbH$ 1,532,576.60

829,054.00 Add: Purchase during the year. A{YH$ … df©âmVrb IaoXr 731,729.00

Less: sale of vehicle dOm … dmhZ {dH«$s 324,596.24

279,512.40 Less : Depreciation for the year dOm … df©âmVrb Kgmam 431,722.80

1,532,576.60 1,507,986.56

14) ATM MACHINERY E.Q>r.E_. _{eZar

776,405.25 Opening Balance Ama§{^Mr {eëbH$ 728,094.01

852,825.00 Add : Purchase during the year A{YH$ … Mmby dfm©Vrb IaoXr 1,346,441.40

901,136.24 Less : Depreciation for the year dOm … Mmby dfm©Vrb Kgmam 892,541.91

728,094.01 1,181,993.50

65,555,928.00 15) DEFFERED TAX ASSETS {S>\$S>©> Q°Šg (AgoQ²>g) 88,182,197.00




30






2,348,150,784.41 B/f _m.nm. 2,512,015,268.86

(xv) RESERVE FOR CONTINGENCIES

AmH$pñ_H$ Jmoï>rgmR>r {ZYr4,876,015.40 Opening Balance Ama§{^Mr {eëbH$ 13,643,515.40

10,000,000.00 Add: Appropriation during the year

A{YH$ … Z\$m {d^mJUr2,500,000.00

1,232,500.00 Less: Payments during the year

dOm … df©^amVrb {Xbobr aŠH$_ 1,341,500.00 -

13,643,515.40 14,802,015.40 (xvi) COMPUTER FUND g§JUH$ {ZYr


19,000,000.00 Add: Appropriation A{YH$ … Z\$m {d^mJUr 10,000,000.00

74,213,036.63 84,213,036.63 90,833.00 (xvii) DEVELOPMENT FUND {dH$mg {ZYr 90,833.00

(xviii) STAFF WELFARE FUND H$_©Mmar H$ë`mU {ZYr7,714,776.74 Opening Balance Ama§{^Mr {eëbH$ 10,394,729.74


620,047.00 Less: Payments during the year


10,394,729.74 11,757,218.74 2,090,833.00 (xix) RESERVE FOR SAFE DEPOSIT VAULT

gwa{jV O_m H$j {ZYr2,090,833.00

(xx) INVESTMENT FLUCTUATION FUND

ApñWa Jww§VdUyH$ {ZYr600,000.00 Opening Balance Ama§{^Mr {eëbH$ 1,100,000.00

500,000.00 Add: Appropriation A{YH$ … Z\$m {d^mJUr 28,800,000.00

Add.:Transfer form Investment Depreciation Reserve

A[YH … HO© amoI KQ {ZYr _YyZ diVo6,343,728.00

1,100,000.00 36,243,728.00

(xxi) SOCIAL OBLIGATION FUND

gm_m{OH$ ~m§YrbH$r {ZYr-- Opening balance Ama§{^Mr {eëbH$ -

-- Add: Appropriation A{YH$ … Z\$m {d^mJUr 1,500,000.00

1,500,000.00 2,449,683,732.18 2,662,712,933.63

-- 3) DEFERRED TAX LIABILITY ^{dî`mVrb H$aXm{`Ëd --



31


313131






2,348,150,784.41 B/f _m.nm. 2,512,015,268.86

(xv) RESERVE FOR CONTINGENCIES

AmH$pñ_H$ Jmoï>rgmR>r {ZYr4,876,015.40 Opening Balance Ama§{^Mr {eëbH$ 13,643,515.40

10,000,000.00 Add: Appropriation during the year

A{YH$ … Z\$m {d^mJUr2,500,000.00

1,232,500.00 Less: Payments during the year


13,643,515.40 14,802,015.40 (xvi) COMPUTER FUND g§JUH$ {ZYr



74,213,036.63 84,213,036.63 90,833.00 (xvii) DEVELOPMENT FUND {dH$mg {ZYr 90,833.00

(xviii) STAFF WELFARE FUND H$_©Mmar H$ë`mU {ZYr7,714,776.74 Opening Balance Ama§{^Mr {eëbH$ 10,394,729.74


620,047.00 Less: Payments during the year


10,394,729.74 11,757,218.74 2,090,833.00 (xix) RESERVE FOR SAFE DEPOSIT VAULT

gwa{jV O_m H$j {ZYr2,090,833.00

(xx) INVESTMENT FLUCTUATION FUND

ApñWa Jww§VdUyH$ {ZYr600,000.00 Opening Balance Ama§{^Mr {eëbH$ 1,100,000.00

500,000.00 Add: Appropriation A{YH$ … Z\$m {d^mJUr 28,800,000.00

Add.:Transfer form Investment Depreciation Reserve

A[YH … HO© amoI KQ {ZYr _YyZ diVo6,343,728.00

1,100,000.00 36,243,728.00

(xxi) SOCIAL OBLIGATION FUND

gm_m{OH$ ~m§YrbH$r {ZYr-- Opening balance Ama§{^Mr {eëbH$ -

-- Add: Appropriation A{YH$ … Z\$m {d^mJUr 1,500,000.00

1,500,000.00 2,449,683,732.18 2,662,712,933.63

-- 3) DEFERRED TAX LIABILITY ^{dî`mVrb H$aXm{`Ëd --







16) OTHER ASSETS BVa _mb_Îmm

12,167,767.21 1. Advance payment of Income Tax & surcharge

AmJmD$ âbobm Am`H$a d gaMmO©13,808,751.21

2,256,686.51 2. Stock of Printing & Stationery N>nmB© d boIZ gm{hË` gmR>m 2,198,563.97

162,760.00 3. Pre-paid Expenses nwT>rb dfm©H$arVm Ho$bobm IM© 218,633.00

138,240.00 4. Deposit for Telephone Q>o{b\$moZ H$arVm {S>nm°{PQ> 139,440.00

2,500,687.29 5. Sundry Deposits {H$aH$moi {S>nm°{PQ> 2,583,477.29

354,000.00 6. Special Adhesive Bonds A°J«r_|Q> ~m°ÊS>g 410,500.00

58,400,599.00 7. Commission Receivable H${_eZ òUo 59,280,718.00

3,111,443.54 8. Sundry Debtors {H$aH$moi òUr 226,052.00

1,105,000.00 9. Deposit for Court Proh. Order H$moQ>m©À`m hþHy$_mdê$Z âbobr R>od 1,105,000.00

942,485.00 10. Festival Advance gUmgmR>r AmJmD$ aŠH$_ 1,323,957.00

11. Outward Clearing susp account OmdH g_memoYZ gñno§g ImVo 17,357,589.06

1,734,078.00 12. Service tax receivable on Octroi Commission

OH$mV H${_eZdarb godm H$a òUo1,821,781.00

- 13. Core Interbranch H$moAa Am§VaemIm 39,276.50

2,314,000.00 14. Advance for Computer Software g§JUH$mgmR>r AmJmD$ aŠH$_ 2,314,000.00

35,376.00 15. Service Charges Receivable on Sp.Ad.Bond

A°J«r_o§Q> ~m°ÊS>darb gpìh©g MmO}g òUo41,036.00

552.00 16. Service Tax on P.P.Aided School Receivable

emim§À`m nJma dmQ>nm darb godm H$a òUo552.00

873,583,366.00 17. Adv payment of I.T. A.Y.2007-08 to 2015-16

AmJmD$ âbobm Am`H$a 2007-08 Vo 2015-16961,703,801.00

4,039,606.06 18. Outward Receivables AmCQ>dS>© [agrìho~b 3,222,624.81

26,365.00 19. Cenvat Cr. 100% service tax

godm H$a 100% goZd°Q O_m60,560.00

780,000.00 20. Claim for LORO bmoamo H$arVm Xmdm 1,374,300.00

- 21. PAN card coupans n°Z H$mS© Hy$nÝg 32,425.00

963,653,011.61 1,069,263,037.84




32






4) DEPOSITS & OTHER ACCOUNTS R>odr d BVa ImVr(i) FIXED DEPOSITS _wXV R>odr

2,958,538,509.52 (a) Individuals d¡`pŠVH$ 3,901,192,025.23

- (b) Central Co-operative Banks _Ü`dVu ghH$mar ~±H$ -

205,154,753.00 (c) Other Societies BVa gmogm`Q>rÀ`m 223,935,424.20

3,163,693,262.52 4,125,127,449.43 (ii) COMPULSORY DEPOSITS gŠVrÀ`m R>odr

7,695,134,295.20 (a) Individua d¡`pŠVH$ 8,492,681,193.55


- (c) Other Societies BVa gmogm`Q>rÀ`m -

7,695,134,295.20 8,492,681,193.55

(iii) SAVING DEPOSITS ~MV R>odr -




2,452,366,389.78 3,622,241,786.70 (iv) RECURRING DEPOSITS AmdV© R>odr

93,416,337.00 (a) Individuals d¡`pŠVH$ 120,861,813.50


550,000.00 (c) Other Societies BVa gmogm`Q>rÀ`m 125,000.00

93,966,337.00 120,986,813.50 (v) CURRENT DEPOSITS Mmby R>odr

- (a) Individuals d¡`pŠVH$ -



569,291,872.36 557,412,518.51 (vi) CASH CERTIFICATES H°$e g{Q>©{\$Ho$Q>

153,140.00 (a) Individuals d¡`pŠVH$ 1,480,970.00



153,140.00 1,480,970.00 (vii) MATURED FIXED DEPOSITS _wXVnyU© _wXVrÀ`m R>odr




5,392,896.66 2,477,601.66 13,979,998,193.52 C/f nw.nm. 16,922,408,333.35



33


333333






4) DEPOSITS & OTHER ACCOUNTS R>odr d BVa ImVr(i) FIXED DEPOSITS _wXV R>odr




3,163,693,262.52 4,125,127,449.43 (ii) COMPULSORY DEPOSITS gŠVrÀ`m R>odr

7,695,134,295.20 (a) Individua d¡`pŠVH$ 8,492,681,193.55



7,695,134,295.20 8,492,681,193.55

(iii) SAVING DEPOSITS ~MV R>odr -




2,452,366,389.78 3,622,241,786.70 (iv) RECURRING DEPOSITS AmdV© R>odr



550,000.00 (c) Other Societies BVa gmogm`Q>rÀ`m 125,000.00

93,966,337.00 120,986,813.50 (v) CURRENT DEPOSITS Mmby R>odr

- (a) Individuals d¡`pŠVH$ -



569,291,872.36 557,412,518.51 (vi) CASH CERTIFICATES H°$e g{Q>©{\$Ho$Q>

153,140.00 (a) Individuals d¡`pŠVH$ 1,480,970.00



153,140.00 1,480,970.00 (vii) MATURED FIXED DEPOSITS _wXVnyU© _wXVrÀ`m R>odr




5,392,896.66 2,477,601.66 13,979,998,193.52 C/f nw.nm. 16,922,408,333.35










34






13,979,998,193.52 B/f _m.nm. 16,922,408,333.35

(viii) CUMULATIVE DEPOSIT SCHEME

nwZ©Jw§VdUyH$ R>od `moOZm


-- (b) Central Co-operative Banks _Ü`dVu ghH$mar ~±H$ --


4,932,399,223.81 6,542,844,265.45

(ix) MATURED GOLDEN JUBILEE DEPOSITS

_wXVnyU© gwdU© _hmoËgd _wXV R>od



-- (c) Other Societies BVa gmogm`Q>rÀ`m --

2,328,000.00 1,891,000.00

-- (x) MONEY AT CALL AND SHORT NOTICE

Aën gwMZm d Aën _wXV aŠH$_ --

18,914,725,417.33 23,467,143,598.80

5) BORROWINGS H$O}

-- Overdraft of ` 425,000/- sanctioned by M.D.C.C. Bank secured against Fixed Deposits of ` 500,000/-

_w§.{O._. H$mo-Am°n. ~±Ho$H$So Jw§V{dboë`m _wXV R>od ` 5 bmI darb A{VH$mT>> ` 4,25,000/->$

--

-- 6) BILLS FOR COLLECTION AS PER CONTRA

dgwbrH$arVm Ambobo YZmXoe--

-- 7) BRANCH ADJUSTMENTS (NET) emIm OwiUr (ZŠV) --

44,280,639.00 8) OVERDUE INTEREST RESERVE WH$sV ì`mO {ZYr 43,641,289.00

448,496,390.49 9) INTEREST PAYABLE ì`mO XoUo 615,373,276.47

10) OTHER LIABILITIES & PROVISIONS

BVa XoUr Am{U VaVyXr

10,093,053.62 1) Unpaid Final Claims AXÎm {ZH$mbr {heo~mMr aŠH$_ 9,128,685.26

315,421.57 2) Unpaid Salary & allowances AXÎm nJma d ^ËVo 652,586.00

1,121,032.51 3) Recovery from Members g^mgXm§H$Sy>Z dgybr 1,017,286.51

1,067,296.97 4) Unpaid Insurance Claims

AXÎm {d_m {ZH$mbr {heo~mMr aŠH$_446,535.00

12,596,804.67 C/f nw.nm. 11,245,092.77



35


353535






13,979,998,193.52 B/f _m.nm. 16,922,408,333.35

(viii) CUMULATIVE DEPOSIT SCHEME

nwZ©Jw§VdUyH$ R>od `moOZm




4,932,399,223.81 6,542,844,265.45

(ix) MATURED GOLDEN JUBILEE DEPOSITS

_wXVnyU© gwdU© _hmoËgd _wXV R>od



-- (c) Other Societies BVa gmogm`Q>rÀ`m --

2,328,000.00 1,891,000.00

-- (x) MONEY AT CALL AND SHORT NOTICE

Aën gwMZm d Aën _wXV aŠH$_ --

18,914,725,417.33 23,467,143,598.80

5) BORROWINGS H$O}

-- Overdraft of ` 425,000/- sanctioned by M.D.C.C. Bank secured against Fixed Deposits of ` 500,000/-

_w§.{O._. H$mo-Am°n. ~±Ho$H$So Jw§V{dboë`m _wXV R>od ` 5 bmI darb A{VH$mT>> ` 4,25,000/->$

--

-- 6) BILLS FOR COLLECTION AS PER CONTRA

dgwbrH$arVm Ambobo YZmXoe--

-- 7) BRANCH ADJUSTMENTS (NET) emIm OwiUr (ZŠV) --

44,280,639.00 8) OVERDUE INTEREST RESERVE WH$sV ì`mO {ZYr 43,641,289.00

448,496,390.49 9) INTEREST PAYABLE ì`mO XoUo 615,373,276.47

10) OTHER LIABILITIES & PROVISIONS

BVa XoUr Am{U VaVyXr

10,093,053.62 1) Unpaid Final Claims AXÎm {ZH$mbr {heo~mMr aŠH$_ 9,128,685.26

315,421.57 2) Unpaid Salary & allowances AXÎm nJma d ^ËVo 652,586.00

1,121,032.51 3) Recovery from Members g^mgXm§H$Sy>Z dgybr 1,017,286.51

1,067,296.97 4) Unpaid Insurance Claims

AXÎm {d_m {ZH$mbr {heo~mMr aŠH$_446,535.00

12,596,804.67 C/f nw.nm. 11,245,092.77










36




Mmby df©Rs. Ps. Rs. Ps. Rs. Ps. 23,241,289,139.00 Brought forward _mJrb nmZmdê$Z 28,322,682,127.90

12,596,804.67 B/f _m.nm. 11,245,092.77

2,348,769.54 5) Non- Members Receipts through Paysheets

{~Ja g^mgXm§Mr nJma n ÌH$mÛmao aŠH$_1,953,571.80

107,040.00 6) Recovery from Sureties (Members)

Om_rZm§H$Sy>Z dgwbr (g^mgX)103,150.00

397.98 7) Insurance premium (Staff) {d_m hßVm R>od (H$_©Mmar) 732.98

5,507.07 8) Deposit Against Court Prohibitory Orders

H$moQ>m©À`m hþHy$_mdê$Z g^mgXm§H$Sy>Z Ho$bobr dgwbr5,507.07

49,238,191.48 9) Sundry Creditors IMm©~Ôb XoUr 35,613,326.92

1,000.00 10) Security Deposit Staff {gŠ`w[aQ>r {S>nmo{PQ> H$_©Mmar 1,000.00

83,234.00 11) Unpaid Dividend AXÎm bm^m§e 109,189.00

30,000.00 12) Contribution To Education Fund {ejU{ZYrg A§eXmZ -

702,952.00 13) Security Deposits (Supplier/Contrator)

{gŠ`w[aQ>r {S>nmo{PQ> (nwadR>mXma/R>oHo$Xma)680,289.00

802,912.00 14) Earnest Money Deposit R>oHo$XmamH$S>rb {Z{dXm ~`mUm 1,271,437.00

54,153.07 15) Transit payable Q´>mpÝPQ> noE~b 54,153.07

200,000.00 16) Bill payable MICR {~b noE~b E_.Am`.gr.Ama. 5,253,105.00

22,500.00 17) Legal charges for Housing Loan (Members)

KaH$Om©H$arVm dH$sb \$s (g^mgX)13,000.00

244,422,200.29 18) Member Welfare fund contribution

g^mgX H$ë`mU{ZYr dJ©Ur243,976,398.62

49,353.25 19) Service Tax godm H$a 74,574.95

2,314,000.00 20) Provision for Computer Software

g§JUH$ àUmbrgmR>r VaVyX2,314,000.00

552.00 21) Prov. for S.T. on Comm on P. P. Aided School Salary

ImOJr emim§À`m nJmadmQ>n H${_eZdarb godm H$amMr VaVyX

552.00

-- 22) Balancing Account 256,643.00

2,674,844.00 23) Unpaid fixed Deposit interest

_wXVR>odrdarb AXÎm ì`mO3,035,187.00

7,919,225.00 24) Provision for Other Assets _mb_ÎmoH$arVm AÝ` VaVyXr 7,919,225.00

5,819,243.23 25) Interest not collected H$Om©darb ì`mO `oUo ~mH$s 5,524,460.04

7,346,034.25 26) Bankers cheque ~±H$g© YZmXoe 13,717,961.38

336,738,913.83 C/f nw.nm. 333,122,556.60



37


373737





12,596,804.67 B/f _m.nm. 11,245,092.77

2,348,769.54 5) Non- Members Receipts through Paysheets

{~Ja g^mgXm§Mr nJma n ÌH$mÛmao aŠH$_1,953,571.80

107,040.00 6) Recovery from Sureties (Members)

Om_rZm§H$Sy>Z dgwbr (g^mgX)103,150.00

397.98 7) Insurance premium (Staff) {d_m hßVm R>od (H$_©Mmar) 732.98

5,507.07 8) Deposit Against Court Prohibitory Orders

H$moQ>m©À`m hþHy$_mdê$Z g^mgXm§H$Sy>Z Ho$bobr dgwbr5,507.07

49,238,191.48 9) Sundry Creditors IMm©~Ôb XoUr 35,613,326.92

1,000.00 10) Security Deposit Staff {gŠ`w[aQ>r {S>nmo{PQ> H$_©Mmar 1,000.00

83,234.00 11) Unpaid Dividend AXÎm bm^m§e 109,189.00

30,000.00 12) Contribution To Education Fund {ejU{ZYrg A§eXmZ -

702,952.00 13) Security Deposits (Supplier/Contrator)

{gŠ`w[aQ>r {S>nmo{PQ> (nwadR>mXma/R>oHo$Xma)680,289.00

802,912.00 14) Earnest Money Deposit R>oHo$XmamH$S>rb {Z{dXm ~`mUm 1,271,437.00

54,153.07 15) Transit payable Q´>mpÝPQ> noE~b 54,153.07

200,000.00 16) Bill payable MICR {~b noE~b E_.Am`.gr.Ama. 5,253,105.00

22,500.00 17) Legal charges for Housing Loan (Members)

KaH$Om©H$arVm dH$sb \$s (g^mgX)13,000.00

244,422,200.29 18) Member Welfare fund contribution

g^mgX H$ë`mU{ZYr dJ©Ur243,976,398.62

49,353.25 19) Service Tax godm H$a 74,574.95

2,314,000.00 20) Provision for Computer Software

g§JUH$ àUmbrgmR>r VaVyX2,314,000.00

552.00 21) Prov. for S.T. on Comm on P. P. Aided School Salary

ImOJr emim§À`m nJmadmQ>n H${_eZdarb godm H$amMr VaVyX

552.00

-- 22) Balancing Account 256,643.00

2,674,844.00 23) Unpaid fixed Deposit interest

_wXVR>odrdarb AXÎm ì`mO3,035,187.00

7,919,225.00 24) Provision for Other Assets _mb_ÎmoH$arVm AÝ` VaVyXr 7,919,225.00

5,819,243.23 25) Interest not collected H$Om©darb ì`mO `oUo ~mH$s 5,524,460.04

7,346,034.25 26) Bankers cheque ~±H$g© YZmXoe 13,717,961.38

336,738,913.83 C/f nw.nm. 333,122,556.60










38





336,738,913.83 B/f _m.nm. 333,122,556.60

874,840,509.03 27) Income Tax A.Y. 2007-08 to 2015-16

Am`H$a df} 2007-08 Vo 2015-16944,960,944.03

28) Rupay Debit Card Payable 267,941.52

-- 29) M. R. Suspense E_. Ama. gñn|g 10.00

1,957,375.64 30) U I P Y _mJrb dfm©Mm EZ. nr. E. 870,649.43

20,000,000.00 31) Provision for bonus & Ex-Gratia to staff

~moZg/gmZwJ«h, AZwXmZ H$arVm VaVyX21,000,000.00

452,225.00 32) Provision for Audit Fees {heo~ VnmgUr H$arVm VaVyX 447,982.00

45,000,000.00 33) Provision for Gradation

gwYm[aV doVZloUr H$arVm VaVyX0.00

14,987,680.00 34) Provision for Election {ZdS>UyH$ H$arVm VaVyX 2,444,517.00

-- 35) Provision for Diamond Jubliee

{haH$ _hmoËgd H$arVm VaVyX--

259,367.00 Opening Balance Ama§^rMr {eëbH$ --

-- Add: Appropriation A{YH$ … Z\$m {d^mJUr --

-- Add: Provision during the year

A{YH$ … df©âmVrb VaVyX--

259,367.00 Less: Amount transfer to P & L Account

dOm … Z\$m VmoQm ImVr dJ©--

- Less: Payment during the year

dOm … df©âmV {Xbbr aŠH$_-- --

- 36) Unpaid Int. On CD gŠVrÀ`m Rodrdarb ì`mO 3,477.60

37) Provision for Leave Encashment

nJmar aOoH$[aVm VaVyX168,351,822.00 Opening Balance Ama§^rMr {eëbH$ 178,482,898.00

29,600,000.00 Add: Provision during the year

A{YH$ … df©âmVrb VaVyX41,200,000.00

19,468,924.00 Less: Payment during the year

dOm … df©âmVrb {Xbobr aŠH$_ 36,250,768.00

178,482,898.00 183,432,130.0059,768,430.00 38) Provision for Voluntary Retirement Scheme

ñdoÀN>m{Zd¥ËVr `moOZoMr VaVyX59,768,430.00

5,058,931.00 39) Insurance Prem. on Loanee members

g^mgXm§À`m H$Om©darb {då`mMm hßVm574,162.16

343,200.00 40) Unpaid ATM Claim AXV E.Qr.E_. aŠH$_ --

- 41) STEPS A/C ñQoßg ImVo 153,950.00- 42) Recovery Through PF

^{dî` {Zdm©h {ZYrVyZ n«mßV Pmbobr aŠH$_7,126,952.00

1,537,630,162.50 1,554,173,702.34



39


393939





336,738,913.83 B/f _m.nm. 333,122,556.60

874,840,509.03 27) Income Tax A.Y. 2007-08 to 2015-16

Am`H$a df} 2007-08 Vo 2015-16944,960,944.03

28) Rupay Debit Card Payable 267,941.52

-- 29) M. R. Suspense E_. Ama. gñn|g 10.00

1,957,375.64 30) U I P Y _mJrb dfm©Mm EZ. nr. E. 870,649.43

20,000,000.00 31) Provision for bonus & Ex-Gratia to staff

~moZg/gmZwJ«h, AZwXmZ H$arVm VaVyX21,000,000.00

452,225.00 32) Provision for Audit Fees {heo~ VnmgUr H$arVm VaVyX 447,982.00

45,000,000.00 33) Provision for Gradation

gwYm[aV doVZloUr H$arVm VaVyX0.00

14,987,680.00 34) Provision for Election {ZdS>UyH$ H$arVm VaVyX 2,444,517.00

-- 35) Provision for Diamond Jubliee

{haH$ _hmoËgd H$arVm VaVyX--

259,367.00 Opening Balance Ama§^rMr {eëbH$ --

-- Add: Appropriation A{YH$ … Z\$m {d^mJUr --

-- Add: Provision during the year

A{YH$ … df©âmVrb VaVyX--

259,367.00 Less: Amount transfer to P & L Account

dOm … Z\$m VmoQm ImVr dJ©--

- Less: Payment during the year

dOm … df©âmV {Xbbr aŠH$_-- --

- 36) Unpaid Int. On CD gŠVrÀ`m Rodrdarb ì`mO 3,477.60

37) Provision for Leave Encashment

nJmar aOoH$[aVm VaVyX168,351,822.00 Opening Balance Ama§^rMr {eëbH$ 178,482,898.00

29,600,000.00 Add: Provision during the year

A{YH$ … df©âmVrb VaVyX41,200,000.00

19,468,924.00 Less: Payment during the year

dOm … df©âmVrb {Xbobr aŠH$_ 36,250,768.00

178,482,898.00 183,432,130.0059,768,430.00 38) Provision for Voluntary Retirement Scheme

ñdoÀN>m{Zd¥ËVr `moOZoMr VaVyX59,768,430.00

5,058,931.00 39) Insurance Prem. on Loanee members

g^mgXm§À`m H$Om©darb {då`mMm hßVm574,162.16

343,200.00 40) Unpaid ATM Claim AXV E.Qr.E_. aŠH$_ --

- 41) STEPS A/C ñQoßg ImVo 153,950.00- 42) Recovery Through PF

^{dî` {Zdm©h {ZYrVyZ n«mßV Pmbobr aŠH$_7,126,952.00

1,537,630,162.50 1,554,173,702.34










40





11) PROFIT & LOSS A/C Z\$m d VmoQ>m377,989,992.13 Profit as per last Balance Sheet

_mJrb Vmio~§Xmà_mUo ~mH$s434,490,998.65

Less: Appropriations dOm … Z\$m {d^mJUr79,693,677.96 Reserve fund g§{MV {ZYr 91,495,267.87

164,195,000.00 Dividend bm^m§e 175,800,000.00

15,000,000.00 Member's Welfare Fund g^mgX H$ë`mU {ZYr 15,000,000.00

3,300,000.00 Staff Welfare Fund H$_©Mmar H$ë`mU {ZYr 3,000,000.00

10,000,000.00 Medical Aid Fund g^mgX ñdmñÏ` {ZYr 5,000,000.00

500,000.00 Investment Fluctuation Fund ApñWa Jw§VdUyH$ {ZYr 28,800,000.00

12,027,054.00 Dividend Equalisation Fund g_Vmob Z\$m dmQ>Ur {ZYr 6,598,793.00

10,000,000.00 Reserve for Contingencies AmH$pñ_H$ Jmoï>rgmR>r {ZYr 2,500,000.00

19,000,000.00 Computer Fund g§JUH$ {ZYr 10,000,000.00

5,000,000.00 Education Fund {ejU {ZYr 18,300,000.00

-- Repairs and Renovation Fund

Xþê$ñVr d ZwVZrH$aUmgmR>r {ZYr7,900,000.00

-- Social Obligation Fund gm_m{OH$ ~m§YrbH$r {ZYr 1,500,000.00

318,715,731.96 Sub Total 365,894,060.87 59,274,260.17 Balance Profit {eëbH$ Z\$m 68,596,937.78

624,382.54 Less: Provision for interest on C.D. 383,910.80 58,649,877.63 dOm … gŠVrÀ`m Rodrdarb ì`mO a¸$_ 68,213,026.98

375,841,121.02 Net Profit for current year brought from the Profit

& Loss A/c Mmbw dfm©Mm {Zìdi Z\$m356,132,132.57

434,490,998.65 424,345,159.55

25,213,410,300.15 Total EHy$U 30,301,200,989.79

NOTES TO ACCOUNTS FORM PART OF ACCOUNTSAS PER OUR REPORT OF EVEN DATE

FOR M/S GUPTA SAHARIA & CO.CHARTERED ACCOUNTANTSFIRM REG. NO. 103446W

(SURESH SAHARIA ) VINOD RAVADKA D. T. CHAVANPARTNER GENERAL MANAGER (I/C) DIRECTORM. NO. 040180

PLACE : MUMBAIDATE : 26-06-2015


41


414141





11) PROFIT & LOSS A/C Z\$m d VmoQ>m377,989,992.13 Profit as per last Balance Sheet

_mJrb Vmio~§Xmà_mUo ~mH$s434,490,998.65

Less: Appropriations dOm … Z\$m {d^mJUr79,693,677.96 Reserve fund g§{MV {ZYr 91,495,267.87

164,195,000.00 Dividend bm^m§e 175,800,000.00

15,000,000.00 Member's Welfare Fund g^mgX H$ë`mU {ZYr 15,000,000.00

3,300,000.00 Staff Welfare Fund H$_©Mmar H$ë`mU {ZYr 3,000,000.00

10,000,000.00 Medical Aid Fund g^mgX ñdmñÏ` {ZYr 5,000,000.00

500,000.00 Investment Fluctuation Fund ApñWa Jw§VdUyH$ {ZYr 28,800,000.00

12,027,054.00 Dividend Equalisation Fund g_Vmob Z\$m dmQ>Ur {ZYr 6,598,793.00

10,000,000.00 Reserve for Contingencies AmH$pñ_H$ Jmoï>rgmR>r {ZYr 2,500,000.00

19,000,000.00 Computer Fund g§JUH$ {ZYr 10,000,000.00

5,000,000.00 Education Fund {ejU {ZYr 18,300,000.00

-- Repairs and Renovation Fund

Xþê$ñVr d ZwVZrH$aUmgmR>r {ZYr7,900,000.00

-- Social Obligation Fund gm_m{OH$ ~m§YrbH$r {ZYr 1,500,000.00

318,715,731.96 Sub Total 365,894,060.87 59,274,260.17 Balance Profit {eëbH$ Z\$m 68,596,937.78

624,382.54 Less: Provision for interest on C.D. 383,910.80 58,649,877.63 dOm … gŠVrÀ`m Rodrdarb ì`mO a¸$_ 68,213,026.98

375,841,121.02 Net Profit for current year brought from the Profit

& Loss A/c Mmbw dfm©Mm {Zìdi Z\$m356,132,132.57

434,490,998.65 424,345,159.55

25,213,410,300.15 Total EHy$U 30,301,200,989.79






25,213,410,300.15 30,301,200,989.79

Signature to the Accounts including Schedule & Notes on AccountsFOR THE MUNICIPAL CO-OPERATIVE BANK LTD., MUMBAI.

V. G. KASKAR V. M. BALAMWAR M. D. SAWANT DIRECTOR VICE CHAIRMAN CHAIRMAN

BOARD OF DIRECTOR



42

PROFIT AND LOSS AS ON 31ST MARCH 2015 31 _mM© 2015 AIoaMo Z\$m-VmoQ>m nÌH

PREVIOUS YEAR

_mJrb df©E X P E N D I T U R E

IM©CURRENT YEAR

Mmby df©

Rs. Ps. Rs. Ps. Rs. Ps.

INTEREST ON DEPOSITS, BORROWING ETC R>odr darb ì`mO

1,529,677,006.72 INTEREST ON DEPOSITS R>odr darb ì`mO 1,852,250,813.16

57,699,465.37 INTEREST ON RESERVE / FUND {ZYr darb ì`mO 63,730,660.57

1,587,376,472.09 1,915,981,473.73

257,650,920.24 SALARY & ALLOWANCES nJma Am{U ^Îmo 308,525,692.39

4,848,658.00 DIRECTORS LOCAL COMMITTEE ALLOWANCES

g§MmbH$ d ñWm{ZH$ g{_Vr gXñ`m§Mr \$s d ^Îmo3,125,010.00

33,553,836.37 RENT & TAXES INSURANCE ELECTRICITY ^mS>o, H$a, dr_m, drO 23,662,030.06

663,828.00 LAW CHARGES dH$sb d gëbm \$s 286,667.00

1,385,454.27 POSTAGE,TELEPHONE CHARGES Q>nmb, Q>o{b\$moZ 1,418,338.41

AUDITORS FEES {hemo~ VnmgZrgm§Mr \$s

249,200.00 STATUTORY d¡Úm{ZH$ 111,236.00

791,972.00 CONCURRENT H§$H$a§Q> 1,516,661.00

18,776,788.97 DEPRECIATION Kgmam 21,528,309.32

2,354,228.46 STATIONERY, PRINTING & ADVERTISEMENT N>nmB©, ñQ>oeZar Am{U Om{hamV 2,420,039.69

OTHER EXPENDITURES BVa IM©

2,354,172.00 GENERAL BODY MEETING EXPENSES dm{f©H$ gd©gmYmaU g^m 2,759,615.00

19,098,261.00 DEPOSIT INSURANCE PREMIUM R>odrdarb {då`mMm hßVm 21,833,028.00

963,819.00 CONVEYANCE àdmg IM© 757,529.00

19,392,110.50 COMPUTER EXPENSES g§JUH$ IM© 22,338,897.04

16,254,150.37 MISCELLANEOUS EXPENSES g§H$sU© IM© 30,075,652.26

1,570,147.00 PAYSHEET RECOVERY CHARGES (MCGM)

noerQ> [aH$ìhar AmH$ma (_§w§~B© _hmZJa nm{bH$m)1,690,193.00

223,991.22 SERVICE CHARGES CLEARING R.B.I. g_memoYZ godm AmH$ma 64,930.52

3,588,111.00 SECURITY HIRE CHARGES gwajm godm ewëH$ 5,152,398.00

63,444,762.09 C/f nw.nm. 84,672,242.82



43


434343


PREVIOUS YEAR


IM©CURRENT YEAR

Mmby df©


INTEREST ON DEPOSITS, BORROWING ETC R>odr darb ì`mO

1,529,677,006.72 INTEREST ON DEPOSITS R>odr darb ì`mO 1,852,250,813.16

57,699,465.37 INTEREST ON RESERVE / FUND {ZYr darb ì`mO 63,730,660.57

1,587,376,472.09 1,915,981,473.73

257,650,920.24 SALARY & ALLOWANCES nJma Am{U ^Îmo 308,525,692.39

4,848,658.00 DIRECTORS LOCAL COMMITTEE ALLOWANCES

g§MmbH$ d ñWm{ZH$ g{_Vr gXñ`m§Mr \$s d ^Îmo3,125,010.00

33,553,836.37 RENT & TAXES INSURANCE ELECTRICITY ^mS>o, H$a, dr_m, drO 23,662,030.06

663,828.00 LAW CHARGES dH$sb d gëbm \$s 286,667.00

1,385,454.27 POSTAGE,TELEPHONE CHARGES Q>nmb, Q>o{b\$moZ 1,418,338.41

AUDITORS FEES {hemo~ VnmgZrgm§Mr \$s

249,200.00 STATUTORY d¡Úm{ZH$ 111,236.00

791,972.00 CONCURRENT H§$H$a§Q> 1,516,661.00

18,776,788.97 DEPRECIATION Kgmam 21,528,309.32

2,354,228.46 STATIONERY, PRINTING & ADVERTISEMENT N>nmB©, ñQ>oeZar Am{U Om{hamV 2,420,039.69

OTHER EXPENDITURES BVa IM©

2,354,172.00 GENERAL BODY MEETING EXPENSES dm{f©H$ gd©gmYmaU g^m 2,759,615.00

19,098,261.00 DEPOSIT INSURANCE PREMIUM R>odrdarb {då`mMm hßVm 21,833,028.00

963,819.00 CONVEYANCE àdmg IM© 757,529.00

19,392,110.50 COMPUTER EXPENSES g§JUH$ IM© 22,338,897.04

16,254,150.37 MISCELLANEOUS EXPENSES g§H$sU© IM© 30,075,652.26

1,570,147.00 PAYSHEET RECOVERY CHARGES (MCGM)

noerQ> [aH$ìhar AmH$ma (_§w§~B© _hmZJa nm{bH$m)1,690,193.00

223,991.22 SERVICE CHARGES CLEARING R.B.I. g_memoYZ godm AmH$ma 64,930.52

3,588,111.00 SECURITY HIRE CHARGES gwajm godm ewëH$ 5,152,398.00

63,444,762.09 C/f nw.nm. 84,672,242.82


PROFIT AND LOSS AS ON 31ST MARCH 2015 31 _mM© 2015 AIoaMo Z\$m-VmoQ>m nÌH$PREVIOUS YEAR

_mJrb df©I N C O M E

CËnÞ

CURRENT YEAR


INTEREST & DISCOUNT

ì`mO d H${_eZ

1,818,778,644.20 I) ON LOANS & ADVANCES H$Om©darb 1,953,017,269.54

579,659,240.08 ii) ON INVESTMENT & DEPOSITS R>odr d Jw§VdUyH$sdarb 795,948,616.69

2,398,437,884.28 2,748,965,886.23

COMMISSION, EXCHANGE & BROKERAGE

H${_eZ, EŠgM|O Am{U ~«moH$aoO

171,882,515.00 i) B.M.C.OCTROI COLLECTION

_hmnm{bHo$À`m OH$mV dgwbrdarb178,208,747.00

14,776.00 ii) B.M.C. REVENUE COLLECTION

_hmnm{bHo$À`m-_hgyb dgwbrdarb93,496.00

2,263.00 iii) INSURANCE AGENCY COMMISSION

Am`w{d©_m nm°{bgrdarb-




44


PREVIOUS YEAR


IM©CURRENT YEAR

Mmby df©



63,444,762.09 B/f _m.nm. 84,672,242.82

1,779,257.00 AMORTISATION OF PREMIUM ON SECURITIES H$O©amoIo MT> ^md IM© 1,503,105.00

15,000,000.00 PROVISION FOR REVISION OF GRADE gwYm[aV doVZ loUr --

30,000.00 EDUCATION FUND CONTRIBUTION _w§~B© amÁ` g§ñWog {ejU \§$S>mgmR>r --

29,600,000.00 CONTRIBUTION TOWARDS STAFF RETIREMENT BENEFIT FUND

nJmar aOoH$[aVm VaVyX41,200,000.00

6,343,728.00 PROVISION FOR INVESTMENT FLUCTUATION RESERVE H$O© amoIo KQ {ZYr --

10,622,338.00 SERVICE TAX ON OCTROI COLLECTION OH$mV dgwbr

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