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Rupees in Lacs

ABreak-Up of Income and Expenditure Year Ended
31.03.2017
Year Ended
31.03.2016
Year Ended
31.03.2015
1 Interest / Discount Earned (2 + 3 + 4 + 5) 22368.96  18796.74 16041.12
2 Interest / Discount Earned on Loans & Advances 14480.56  13002.86 10862.26
3 Interest on Investments  5812.72 4246.80 3366.32
4 Interest on Additional Balance with RBI 1820.68  1479.08 1736.54
5 Interest on Market Lendings  255.00 68.00 76.00
6 Commission, Exchange & Brokerage  1295.85 1012.33 838.88
7 Other Operating Income  688.79 424.43 328.18
8 Total Income (1 + 6 + 7)  24353.6 20233.50 17208.18
9 Interest Expended (10 + 11)  14966.22 12532.63 10579.62
10 Interest Expended on Deposits 13744.83  11758.28 10032.45
11 Interest Expended on Borrowings 1221.39  774.35 547.17
12 Staff Expenses  3781.58 2823.34 2338.43
13 Other Overheads  3287.64 2750.76 2354.32
14 Total Operating Expenses (9 + 12 + 13)  22035.44 18106.73 15272.37
15 Operating Profit Before Provisions (8 - 14)  2318.16 2126.77 1935.81
16 Provisions and Contingencies 818.58  751.98 504.45
17 Realised Gains / Losses on Sale of Assets  4.42 -0.88 -9.40
18 Profit Before Tax  2172.49 1989.16 2082.43
19 Profit After Tax (15 - 16 + 17) 1504.00  1373.91 1421.96
B Working      
1 Advances  136959.51 114840.42 92929.56
2 Deposits  237821.33 181413.38 150678.03
3 Total Working  374780.84 296253.80 243607.59
4 Net Worth  19021.70 11483.53 8951.07
C Analytical Ratios      
1 Capital Adequacy Ratio 22.95  17.20 15.22
2 Earning Per Share 6.53  6.70 8.24
D Branches 73   47 38
1 Rural 35 22 17
2 Semi Urban  27 19 15
3 Urban 4 4
4 Metropolitan  4 2 2

*Restated EPS


Dear Cardholder,
As per RBI guidelines, kindly replace your existing ATM/Debit Card without any charges with EMV Chip based card before 31 December 2018.

Please visit your parent branch and apply for an EMV Chip Card to avoid uninterrupted services.
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