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thThe 59 Annual General Body Meeting thThe 59 Annual General Body Meeting
Date : Friday, 11th October, 2019Date : Friday, 11th October, 2019
Regd. No. 558Regd. No. 558Estd. 1953Estd. 1953
"Timing : 5.45 p.m. onwards""Timing : 5.45 p.m. onwards"
-: Venue :--: Venue :-
"CAFETERIA" Indian Express Building,
9-10, Bahadurshah Zafar Marg,
New Delhi-110002
"CAFETERIA" Indian Express Building,
9-10, Bahadurshah Zafar Marg,
New Delhi-110002
7-Bahadurshah Zafar Marg , New Delhi-110 103 Tel.: 23351517E-mail : [email protected]
The Times of India Employees' Co-operative Thrift & Credit Society (Delhi) Limited
th 59 Progress Report For The Yearth 59 Progress Report For The Year
2018-20192018-2019
AUDITED ACCOUNTS FOR THE YEARAUDITED ACCOUNTS FOR THE YEAR2018-20192018-2019
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THE TIMES OF INDIA EMPLOYEES' CO-OPERATIVETHRIFT & CREDIT SOCIETY ( DELHI ) LIMITED
THE TIMES OF INDIA EMPLOYEES' CO-OPERATIVETHRIFT & CREDIT SOCIETY ( DELHI ) LIMITED
7- Bahadurshah Zafar Marg , New Delhi-110 103
E-MAIL : [email protected]
PH.: 23351517, 40738216
7- Bahadurshah Zafar Marg , New Delhi-110 103
E-MAIL : [email protected]
PH.: 23351517, 40738216
AUDITORS
M/s KUMAR CHOPRA & ASSOCIATESChartered Accountants
BANKERS
HDFC Bank Ltd. , K G Marg, New Delhi-110001
Syndicate Bank, I P Estate, New Delhi-110002
Delhi State Co-Operative Bank Ltd, Darya Ganj, New Delhi-110002
PRESENT MEMBERS OF MANAGING COMMITTEE
Name Designation Department Location
Mr. Amit Das Chairman HRD
Mr. Ashok Srivastava Vice-Chairman Personnel Express Building
Mr. Shurbir Singh Vice-President Personnel 13 No. Sahibabad
Mr. Abhay Raj Tiwari Hony-Secretary Central Despatch Express Building
Mr. Shiv Prasad Dubey Hony-Treasurer RMD Accounts K.S. Tower, Noida
COMMITTEE MEMBERS
Mr. Arun Kumar Member Engineering 13 No. Sahibabad
Mr. Rohit Tyagi Member Production 13 No. Sahibabad
Mr. Ram Balak Mishra Member RMD 13 No. Sahibabad
Mr. Sushil Kumar Tiwari Member Project Express Building
Mrs. Mahua Mukherjee Member TOI-Editorial Express Building
Mrs. Shalini Varma Member ET-Editorial Express Building
Express Building
1
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3
Dated: 20.09.2019
Notice is hereby given that 59th Annual General Body Meeting of The Times of India Employees’ Co-
operative Thrift & Credit Society (Delhi) Limited will be held on Friday the 11th October, 2019 at 5.45 p.m.
in the "CAFETERIA", Indian Express Building, 9-10, Bahadur Shah Zafar Marg, New
Delhi -110002 to transact the following business. In case the quorum in the Annual General Body meeting is not
complete up to 6.15 p.m. then the meeting shall stand adjourned for fifteen minutes on the same day and will be
held at 6.30 p.m. at the same place with the same Agenda. In the adjourned Annual General Body meeting no
quorum shall be necessary. You are requested to kindly make it convenient to attend the meeting.
th1. Confirmation of the Minutes of the last Special General Body Meeting held on 12 April 2019.
2. To receive and adopt 59th Annual Report.
3. Consideration and Approval of the Audited Balance Sheet and Statement of Accounts for the styear ending 31 March, 2019.
4. To accord sanction for creating the funds and to make the necessary appropriation out of the net
profit as required under the Bye-laws of the Society.
5. Consideration and approval of the proposed Dividend for the year 2018-2019
6. Consideration and approval to increase the member's welfare amount (Retirement Gift).
7. Consideration and approval to increase the member's insurance amount.
8. Any other business with the permission of the chair.
NOTICE
AGENDA
THE TIMES OF INDIA EMPLOYEES' CO-OPERATIVETHRIFT & CREDIT SOCIETY ( DELHI ) LIMITED
7, Bahadurshah Zafar Marg , New Delhi-110 103
Abhay Raj Tiwari Hony - Secretary
Copy to:1. All Notice Boards.2. All Departmental Notice Boards.3. Email to all members through All Mail users.4. All Members of the Society5. Delhi State Co-operative Union, Daryaganj, New Delhi.6. Registrar, Co-operative Societies, Govt. of NCT of Delhi.
Encl:1 Annual General Body Meeting Report.
st2 Balance Sheet & Profit & Loss Account as on 31 March,2019.
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5
CHAIRMAN'S SPEECH Dear Members,I am glad to welcome you at this 59th Annual General Body Meeting of the Society with the Balance Sheet and
stProfit & Loss Account for the year ended on 31 March, 2019. Our Society has achieved a commendable growth in these years and strengthened its fiscal condition. A glance at the Balance Sheet shows that the society earned a profit of Rs.2.07/- Lakhs made provision of Rs.44.25/- Lakhs for special incentive to members.MEMBERSHIPThis is to inform that 63 new members joined & 122 members have left the Society in the financial year 2018-2019.
stAs on 31 March 2019 there are 1346 members of the society.SHARE CAPITAL The amount of Share Capital is as under:-
stTotal amount as on 31 March 2019 Rs. 2, 09, 91,710.00FIXED DEPOSITThe amount of Fixed Deposit is as under:-
stTotal amount as on 31 March 2019 Rs. 7, 79, 61,550 .00
The interest rate on Fixed Deposit is being paid @ 6 % for one year, @ 5 % for six months & @ 4 % for the period of three months .COMPULSORY DEPOSITThe amount of Compulsory Deposit is as under:-
stTotal amount as on 31 March 2019 Rs. 22, 36, 84,550.00
THRIFT FUND DEPOSITThe amount of Thrift Fund Deposit is as under:-
stTotal amount as on 31 March 2019 Rs. 3, 76, 01,574 .17
LOANThe amounts of Loan to members are as under:-
stTotal amount as on 31 March 2019 Rs. 29, 72, 97, 200 .00
INCOME / EXPENDITURE AND PROFITstTotal Income in the year ended on 31 March 2019 Rs. 2, 98, 87, 372.81
stTotal Expenditure in the year ended on 31 March 2019 Rs. 2, 96, 79, 437.72stTotal Profit in the year ended on 31 March 2019 Rs. 2, 07, 935.09
As per rules I propose to allocate the profit of the Society as follows: Year 2018-19
1. Reserve Fund (25%) Rs. 51,984.00 2. Education Fund Rs. 4,159.00 3. Proposed Dividend Rs 2 10,730.00 (As rupees 58,938/- accumulated profit of the previous years.)
I hereby thank all members of the Society in general & Vice-Chairman, Vice-President, Hony-Secretary & Hony-Treasurer in particular for their active support & co-operation. I wish to place on record my compliments to the members of Managing committee and employees' of the Society for good work done.
Date:: 19.09.2019
Thanks
For and on behalf of the Managing Committee
THE TIMES OF INDIA EMPLOYEES' CO-OPERATIVETHRIFT & CREDIT SOCIETY ( DELHI ) LIMITED
7, Bahadurshah Zafar Marg , New Delhi-110 103
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INCOME AND EXPENDITURE ACCOUNT
FOR THE YEAR ENDED 31st MARCH, 2019
Previous Year Expenditure Sch. Current Year Previous Year Income Sch. Current Year
Rs. Rs. Rs. Rs.
Member's Expenses Interest Income
19,943,901,00 Interest paid 4 20,023,121.00
2,89,43,333.25
Interest received 5 29,755,168.812,452,900.00 Incentive to members 2,028,800.00
Other Income
400,797.00 Diwali gift expenses 396,640.00
260,800.00 Welfare expenses 607,500.00
82,500.001138.00
Admission fee 69,300.00
26,770.00 General body expenses 27,230.00
Dividend Rec. from Co-op. Bank 1,138.00
8,456.003,650,849.00
Managing Committee Meeting expenses 6,302.00
68,005.00
Misc. Receipts 61,766.00
Special Incentive to members 4,425,571.00
Employee's Expenses
-
1,575,732.00 Salaries 1,688,044.00
108,621.00 Gratuity provision 108,437.00
31,200.00 L.T.A. 31,200.00
45,600.00 Medical expenses 45,600.00
33,600.00 Ex-gratia 33,600.00
36,000.00 Medical insurance-staff 36,000.00
24,000.00 Communication Allowance 24,000.00 Administration Expenses
36,000.00 Computer Software Expenses 27,000.00 1,32,160.00 Provision for Audit Fees 1,32,160.00
20,410.00 Conveyance 15,990.00 15,740.00 Stationery 9,510.00 12,197.58 Bank charges 10,144.72
1,482.00 Cash Insurance 1,483.00
77.00 Postage 105.00 1,200.00 Co-Op. Union Expenses
1,000.00
276,483.67 Excess of income over expenditure 207,935.09
29,094,976.25 Total Rs. 29,887,372.81
29,094,976.25
Total Rs. 29,887,372.81
69,121.00 Reserve fund @ 25 % 51,984.00
154,981.85
Balance b/f from last year 142,066.52
5,530.00 Education fund 4,159.00
276,483.67
Excess of Income over Expenditure 207,935.09
214,748.00 Provision for Dividend for 2017-18 @ 1% 2,10,730.00
142,066.52 Balance carried to B/S 83,128.61
431,465.52 Total Rs. 350,001.61 431,465.52 Total Rs. 350,001.61
THE TIMES OF INDIA EMPLOYEES' CO-OPERATIVETHRIFT & CREDIT SOCIETY ( DELHI ) LIMITED
7, Bahadurshah Zafar Marg , New Delhi-110 103
6
7
BALANCE SHEET AS AT 31ST MARCH 2019
Previous Year Liabilities Sch. Current Year Previous Year Assets Sch. Current Year
Rs. Rs. Rs. Rs.
Members' Funds Fixed Assets -
Share Capital : Investment (at cost)
2099171 Shares of 182 Shares in Delhi State Co-op.
21,709,870.00 Rs.10/- each fully paid up 1 20,991,710.00
9,100.00
Bank Ltd. of Rs. 50/- each 9,100.00
15,170,067.00 Reserve fund 15,222,051.00
142,066.52 Income & Expenditure Account 83,128.61
2,295,572.00 Insurance reserve fund 2 1,528,898.00
Loans & Advances
Members' Deposits 290,248,287.00
Loans to members 3 297,297,200.00
213,622,550.00 Compulsory deposits 1 223,684,550.00
Interest Recoverable on
37,481,462.28 Thrift fund deposits (including interest) 1 37,601,574.17
118,517.50
loans to members 102,406.50
77,011,150.00 Fixed deposits 1 77,961,550.00
3,945,060.12
Interest accrued on Bank deposits 4,373,851.93
9,824,000.00 Insurance fund 2 ,9,376,000.00
50,614.35 Other deposits 69,816.11
Cash & Bank Balances
172,027.00
Cash In hand 1,72,018.00
Current Liabilities 17,052.75
Delhi State Co-op. Bank-11062 18,131.75
1,32,160.00 Audit fee payable 1,32,160.00
12,506,723.60540,002.18
HDFC-Bank C/A-8215 11,343,106.35
5,530.00 Education fund payable 4,159.00
Syndicate Bank C/A --121-711 424,427.361,039,260.00 Gratuity payable 1,147,697.00
81,000,000.00
Fixed Deposits with SYN.I P Estate 84,000.000.00
214,748.00 Dividend payable 210,730.00
6,198,471.003,650,849.00
BCCL Employee' Welfare Fund 5,292,247.00
- Special Incentive payable 4,425,571.00
8,400.00 LTA Payable 8,400.00
-
388,55,6770.15 Total Rs. 397,740,241.89
388,556,770.15
Total Rs. 397,740,241.89
THE TIMES OF INDIA EMPLOYEES' CO-OPERATIVETHRIFT & CREDIT SOCIETY ( DELHI ) LIMITED
7, Bahadurshah Zafar Marg , New Delhi-110 103
(ABHAY RAJ TIWARI) Hony-Secretary
(R K SHARMA) (SHIV PRASAD DUBEY) Hony-Treasurer Accountant
New DelhiDate : 27.7.2019
Auditors' Report
As per our report of even date
for KUMAR CHOPRA & ASSOCIATES
Chartered Accountants
(CA Arvind Jain) Partner
M. No. 089767 Firm's Regn. No. : 000131N
Vice - Chairman(Ashok Srivastava )
UDIN : 19089767AAAAAD8546
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THE TIMES OF INDIA EMPLOYEES' CO-OPERATIVETHRIFT & CREDIT SOCIETY ( DELHI ) LIMITED
7, Bahadurshah Zafar Marg , New Delhi-110 103
Sd/- Shurbir SinghVice-President
Sd/-Abhay Raj TiwariHony-Secretary
Sd/-Shiv Prasad Dubey
Hony-Treasurer
SALIENT FEATURES
This Society has been created by and for the employees of BCCL in Delhi/NCR on NO PROFIT NO LOSS Basis. It is an independent body governed by the provisions of Co-operative Societies Act and managed by 2 nominated and 9 elected Office Bearers. It has been into opcration since 1953, providing quick and easy financial loans its members at very reasonable interest rates, which are recovered from salary in easy EMIs.
An employee of BCCL at Delhi/NCR can become the member this Society at any point of time and continue as its member as long as he/she remains in the employment of BCCL at Delhi/NCR. Every member is allotted 10 shares of Rs. 10 each and gets the dividend (mostly 18%) and Diwali inventives as declared every year. The member also enjoys the liberty to resign from the membership even during the service and withdraw the accumulations, if any. The accounts as well as the other operations of the Society are subject to a strict audit & monitoring. The Society has also been awarded Excellence shield by Delhi Government for the best performance and outstanding contribution in the co-operative field during 5 years in the recent past.
The category / audit classification of Society is "A" and the recovery of loans is 100% with ZERO borrowing from outside. The society has fully computerized accounting system and allows NET Banking Facility throught HDFC Bank. An SMS/Email is sent to the members for every transaction & they can view their account on Timescape.
MEMBER'S DEPOSIT/CONTRIBUTION Type of Deposit Nature of Deposit Interest/Dividend
GivenMin. Amount Max. Amount
One-Time Membership Fee onjoining membershipShare Money on joiningmembership (10 shares)Compulsory Deposit Thrift Fund (Savings A/c)
Death Insurance Fund Deposit(adjusted from CD on joining)Fixed Deposit
Non-Refundable
Refundable on exit
Refundable on exit
Refundable any time
Refundable
Deposit / withdrawal any time
-
Yes
9% PA4% PA
-
4% for 3 months5% up to 6 months
6% up to 12 months
Rs. 1100
Rs. 100
Rs. 1500 pmRs. 300 pm
Rs. 8000
No limit
Rs. 5000 pmNo limit
No limit
-
-
LOANSType of loan
Regular LoanDoDoDo
Loan against CD
Short Term LoanEmergency Loan
Festival Loan
10.2%10.2%10.2%
10.2%
1.2% & nointerest on CDloan balance
10.2%10.2%10.2%
4444-
1--
1-day service 5 year's service 7 year's srvice10 years's service
Rs. 40000 or moreas CD Balance
1-day service 1-day service 1-day service
100100100100
503020
MinimumRs. 1500 pm
Rs. 2,50,000Rs. 3,00,000Rs. 4,00,000Rs. 5,00,000Up to 100% of CDBalance
Up to Rs. 1,00,000Up to Rs. 30,000Up to Rs. 20,000
Rate of Interestcharged PA
Membersneeded for Surcty
Eligibility for loan'(Minimum)
EMIsallowed for repayment
Max. Loan Allowed
OTHER BENEFITS a. Death Relief thru Insurance Fund (In case of members death while in service)b. Retirement Gift Amount
CONTACT Times House / Gulab Bhawan : NOIDASahibabad - 13Sahibabad - 15
: 10 am - 6 pm (Mon- Fri) and 10.00 am - 5 pm (Saturday). Phone : 23351517: 2 pm-3.30 pm on Thursday failing between 5th & 10th of the Month.: 2.00 pm 2.30 pm on every Mon & Fri and also every Tue & Thu during 1st to 10th of month.: 2.00 pm - 2.30 pm on every Wednesday.
Email : [email protected]
: Rs. 4,00,000: Rs. 11,000
Managing Committee 2019-2020
ABHAY RAJ TIWARI HONY-SECRETARY
ROHIT TYAGI COMMITTEE MEMBER
ARUN KUMARCOMMITTEE MEMBER
SHIV PRASAD DUBEYHONY-TREASURER
SHURBIR SINGH VICE-PRESIDENT
MAHUA MUKHERJEE COMMITTEE MEMBER
AMIT DASCHAIRMAN
ASHOK SRIVASTAVA VICE-CHAIRMAN
RAM BALAK MISHRACOMMITTEE MEMBER
SHALINI VARNACOMMITTEE MEMBER
SUSHIL KUMAR TIWARICOMMITTEE MEMBER