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Mmby ~±H$s¨J _Yrb KS>m_moS>r :

~±H$s¨J joÌm_Ü o nma§nm[aH$ ~±H$s¨J H$mb~mh` Pmbo AgyZ ZdrZ V§ÌkmZ wº$ godm gmYZmZo `m joÌmMm Moham _moham ~XbVAmho. E.Q>r.E_., Ama.Q>r.Or.Eg., EZ.B©.E\$.Q>r. _mo~mB©b ~±H$s¨J, Am`.E_.nr.Eg. `m godo_Ü o Zm{dÝ`Vm am{hbr Zmhr. H$moAa ~±H$s¨JàUmbr, S>r.Ama. g|Q>a `mMr nyVu Odinmg gd©M ~±H$mZr Ho$bobr Amho. VgoM ~±Ho$Zo V§ÌkmZ wº$ ~±H$s¨J_Ü o PnmQ>`mZo gwYmaUm Ho$brAmho. S>rOrQ>b Q´>ÝOoŠeZgmR>r ~±Ho$Zo Amdí`H$ Vr gwa{jVVoMr Cnm``moOZm Ho$br Amho. `m_wio Qo>ŠZm°bm°OrÀ`m _mÜ`_mVyZ hmoUmaoZwH$gmZ Q>miUogmR>r ~±Ho$Zo `mo½` Vr I~aXmar KoVbr Amho.

Aem IS>Va n[apñWVr_Ü o Amnë`m ~±Ho$Zo ZoÌ{XnH$ àJVr Ho$br AgyZ Amnë`m ~±Ho$Mm Ahdmb nm{hë`mZ§Va Amnë`mbjmV hr ~m~ AmdOw©Z Ambr Agob, ~±Ho$Zo é. 200 H$moQ>r R>odrMm Eo{Vhm{gH$ Q>ßnm nyU© Ho$bm Amho. VgoM ~±Ho$Zo é. 133.26 H$moQ>rMrH$O} dmQ>bobr AmhoV. Ro>dr d H$O} `m§Mr _mJrb dfm©À`m VwbZoV Pmbobr dmT> hr [aPìh© ~±Ho$À`m {ZX}em§H$mnojmhr OmñV AmhoV.n[aUm_r ~±Ho$Mm T>mo~i Z\$m é. 368.60 bmI BVH$m Pmbm AgyZ {Zìdi Z\$m é. 125.29 bmI Pmbm Amho. [aPìh© ~±Ho$À`m{Z`_mà_mUo H$amì`m bmJUmè`m gd© VaVwXr ~±Ho$Zo nyU© Ho$ë`m AgyZ BÝH$_ Q°>Šg H$m`Úmà_mUo Ahdmb gmbmV é. 86 bmImMm Q°>Šg~±Ho$Zo âUm Ho$bobm Amho.

~±Ho$H$S>rb gd© Ro>drXma, H$O©Xma, ~±Ho$Mo g§MmbH$ _§S>i, H$_©Mmar dJ©, J«mhH$ `m§Zr {Xboë`m gH$mamË_H$ n[aUm_mMm hmn[anmH$ Amho. ~±Ho$Mm ZoQ> EZ.nr.E. 0 Q> o$ AgyZ J«m°g EZ.nr.E. 2.83 Q> o$ Amho.

g§MmbH$ _§S>i g^m / g{_VrÀ`m g^m :

~±Ho$Mo H$m_H$mO ~±H$s¨J _Yrb H$m`Úmà_mUo Mmb{dÊ`mgmR>r, ~±Ho$Zo YmoaU R>adyZ Ë`mà_mUo A_§b ~OmdUr hmoÊ`mH$arVm~±Ho$À`m g§MmbH$m§Mo `moJXmZ _hËdmMo R>aVo. g§MmbH$ _§S>imZo am~{dboë`m YmoaUmZwgma Ahdmb gmbmVrb àJVr nwñVH$ AhdmbénmZo Amnë`m hmVr Ro>dbobo Amho. Ahdmb gmbmV g§MmbH$ _§S>imÀ`m 17 g^m Pmë`m AgyZ gd© g§MmbH$m§Zr gm§KrH$ d gH$mamË_H$[aË`m{Xboë`m `moJXmZm_wioM ~±H$ àJVrnWmda am{hbr Amho.

MoAa_Z

_m. lr. _wHw§$Xamd XogmB©

V§~mIy ImUo Amamo½`mg KmVH$ Amho


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Ahdmb gmbmV Cng{_VrÀ`m Pmboë`m g^m§Mm g§»`mË_H$ Vn{mb nwT>rbà_mUo :(1) ñWm`r g{_Vr 02 (2) H$O© g{_Vr g^m 04 (3) dgwbr g{_Vr g^m 03(4) Am°S>rQ> g{_Vr g^m 04 (5) Jw§VdUwH$ g{_Vr g^m 04 (6) E.Eb.E_. g{_Vr g^m 10(7) godH$ g{_Vr g^m 04 (8) Ho$.dm`.gr H${_Q>r 03 (9) ~moS>© {_Q>tJ 17

A{YH¥$V ^mJ^m§S>db :

~±Ho$Mo A{YH¥$V ^mJ-^m§S>db 10 H$moQ>rMo AgyZ EH$m ^mJmMr qH$_V é. 100 Amho. {X. 31/03/2019 B. amoOr ~±Ho$Mo Inbobo^mJ ^m§S>db é. 7,40,62,525/- AgyZ _mJrb dfu ho ^mJ ^m§S>db 5,77,76,900/- BVHo$ hmoVo. ^mJ ^m§S>dbm_Ü o Am{W©H$ dfm©Vé. 1,62,85,625/- Mr dmT> Pmbobr AgyZ ZdrZ g^mgX dJ©Ur d H$Om©VyZ Ho$bobr H$nmV `m_wio gXa a¸$_oV dmT> Pmbobr Amho.JVdfm©À`m VwbZoV ^mJ^m§S>dbm_Ü o 28.19 Q> o$ Zo dmT> Pmbobr Amho. BVH$s dmT> ~±Ho$À`m B{VhmgmV àW_M Pmbobr Amho.

97 ì`m KQ>Zm XwéñVrà_mUo {H«$`merb g^mgX hmoUoH$arVm g^mgXmZo {H$_mZ é. 100 Mo 10 ^mJ KodyZ é. 1000 Mo ^mJYmaU Ho$bo nm{hOoV. boImn[ajH$m§À`m gwMZoà_mUo Á`m g^mgXm§Mo eoAg© AnwUmªH$m§V AmhoV Aem g^mgXm§Zm bm^m§e XoVm oUma Zmhr`mMr gd© g^mgXm§Zr Zm|X ¿`mdr. Ë`mMà_mUo A{H«$`merb g^mgX ~±Ho$À`m {ZdS>UyH$sV _VXmZmg AnmÌ amhVrb `mMrhr gd©g^mgXm§Zr Zm|X ¿`mdr.

g^mgX :

~±Ho$H$So> {X. 31/03/2019 B. amoOr A dJ© g^mgX g§»`m 24,516 AgyZ JVdfu {X. 31/03/2018 B. amoOr g^mgXg§»`m 23,431 hmoVr. Ahdmb dfm©V 117 g^mgX H$_r Pmbo AgyZ ZdrZ 1,202 g^mgXm§Mr dmT> Pmbobr Amho. Ho$di g§» oZog^mgXm§Mr dmT> hmoÊ`mEodOr {H«$`merb g^mgXm§Mr dmT> hmoUo ~±Ho$À`m Ñï>rZo `mnwTo> Amdí`H$ hmoUma Amho. Var gd© g^mgXm§Zr Amnbo~±Ho$V {H$_mZ ì`dhma H$éZ {H«$`merb ahmdo hr Z_« {dZ§Vr.

Ro>dr : é. 202,11,32,267.79/-

Amnbo ~±Ho$H$S>rb {X. 31/03/2018 B. amoOr EHy$U Ro>dr é. 17614.10 bmI BVŠ`m hmoË`m. Ë`m_Ü o AhdmbgmbmVé. 2597.22 cmI BVH$s dmT> Pmbr AgyZ {X. 31/03/2019 B. amoOr ~±Ho$H$S>rb Ro>dr a¸$_ é. 20211.32 cmI BVŠ`m Pmboë`mAmhoV. JVdfuÀ`m Ro>drV 14.75 Q> o$ Zo dmT> Pmbobr Amho. ~±H$s¨J joÌmVrb Ro>d dmT>rÀ`m _§XrÀ`m H$mimVhr Amnë`m ~±Ho$Zo Ro>ddmT>r_Ü o gmVË` amIbo Amho.

Q>r.S>r.Eg. :

Ro>drXmam§À`m Ro>d gwajo~amo~aM Ë`m§Zm `mo½` naVmdm H$gm {_iob `mMm gmVË`mZo {dMma Ho$bobm Amho. Á`m Ro>drXmam§Mo Ro>drMoì`mO é. 40,000/- AWdm Ë`mda hmoVo Ë`m§Zm Q>r.S>r.Eg. H$nmV A{Zdm © Pmbr AgyZ hr _`m©Xm Á oð> ZmJ[aH$mH$arVm é.50,000/- n ªV Amho. Var gd© J«mhH$m§Zr OmñVrV OmñV Amnë`m ~±Ho$V Ro>dr Ro>dyZ ghH$m © H$amdo. Ro>drXmam§Zr ~±Ho$g n°ZH$mS>m©MrPoam°Šg Úmdr. Ë`mMà_mUo àË oH$ dfu E{àb _{hÝ`mV 15 Or / 15 EM \$m°_© éZ Amnbr Q>r.S>r.Eg. H$nmV Q>miÊ`mMo Ñï>rZo ~±Ho$gghH$m © H$amdo. d gXaMo \$m°_© Xadfu ~±Ho$g XoUo A{Zdm © Amho. Á`m ImVoXmam§Zr AÚmn n°ZH$mS©> H$mT>bobo Zmhr Ë`m§Zr Amnbo ~±Ho$VyZn°ZH$mS©> H$mTy>Z ~±H$ aoH$m°S©> H$arVm Poam°Šg àV Úmdr. ~±Ho$H$S>o ZdrZ gr-Ho$.dm`.gr. \$m°_© ^éZ KoVbo OmV AgyZ gd© ImVoXmam§Zr~±Ho$g ho \$m°_© ^éZ ghH$m © H$amdo. VgoM Á`m J«mhH$m§Mr gr-Ho$.dm`.gr. nyU© Pmbobr Amho Ë`m g§~§Yr Eg.E_.Eg. J«mhH$m§Zm Ë`m§Mo_mo~mB©bda nmR>{dbo AgyZ Ë`m Z§~aà_mUo Ho$.dm`.gr. Mr nyV©Vm H$moUË`mhr H$m_mgmR>r H$aVm oB©b Ë`mH$arVm doJir H$mJXnÌo XoÊ`mMrJaO Zmhr. VgoM Amnbo goìhtJ ImVo, n°ZH$mS©> d AmYmaH$mS©>Zo qbH$ H$amdo hr {dZ§Vr. Ë`mMà_mUo gopìh§J/Mmby ImVoXmam§Zr AmnbmB©-_ob Am` S>r ~±Ho$H$So> gmXa H$amdm.

~±Ho$Zo gd© Ro>dtMm {d_m hám {S>nm°PrQ> BÝ waÝg A°ÊS> H«o$S>rQ> J°a§Q>r H$mnm}aoeZ (S>r.Am`.gr.Or.gr) H$So> doioV âbm AgyZ 1bmImn ªV gd© Ro>d a¸$_obm {d_m g§ajU Amho.

E.Q>r.E_. g|Q>g© :

~±Ho$Zo AmOam, _hmJm§d, H$modmS>, amOmam_ amoS> H$moëhmnya oWo AÚmdV V§ÌkmZ wº$ [agm`H$ca E.Q>r.E_. g|Q>a gwé Ho$br

C§M {eIamda Oéa MT>m nU OJmZo Vw_À`mH$S>o nhmdo åhUyZ Zìho Va Ë`m {eIamdéZ Vwåhmcm OJ nhmVm `mdo åhUyZ.


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AgyZ cdH$aM emIm {eZmoir, _waJyS> d JS>qh½cO oWo E.Q>r.E_. g|Q>a gwé H$aV AmhmoV. Var OmñVrV OmñV ImVoXmam§Zr ~±Ho$À`mE.Q>r.E_. H$mS©>Mm /BÝñQ>m H$mS©>Mm dmna H$éZ H°$ebog d bog H°$e `moOZoV nwT>mH$ma ¿`mdm. gXa BÝñQ>m H$mS©> ImVo CKS>VmjUrMAmnUmg {Xbo OmB©b.

_mo~mB©b ~±qH$J :

~±Ho$Zo {X. 16/09/2018 B. amoOr ~±Ho$Mo _mOr MoAa_Z lr. Q>r.Ama. H$moQ>H$a `m§À`m ew hñVo _mo~mB©b ~±H$s¨J gwé Ho$brAmho. gXa _mo~mB©b ~±H$s¨Jbm J«mhH$m§Mm àM§S> à{VgmX bm^V AgyZ ßbo ñQ>moAa_YyZ gd© ImVoXmam§Zr gXa _mo~mB©b ~±H$s¨JMo A°nS>mD$ZbmoS> H$éZ KodyZ ~±Ho$V Oéa Vo \$m°_© ^éZ _mo~mB©b ~±H$s¨J godoMm bm^ ¿`mdm.

H$O} : é. 133,26,66,498.40

{X. 31/03/2018 Mo VwbZoV ~±Ho$Zo dmQ>n Ho$boë`m H$O© a¸$_oV é. 3353.68 bmI Mr dmT> Pmbobr AgyZ Ë`m dmT>rMoeoH$S>m à_mU 33.63 Q> o$ Amho. àm_m{UH$nUo, dº$era, Á`m Ë`m _{hÝ`mV H$O© naV\o$S> H$aUmè`m H$O©Xmam§Mo à_mU ~±Ho$H$So> dmT>VAmho hr g_mYmZmMr ~m~ Amho. _mÌ hr gd` gd©M H$O©Xmam§Zr nmimdr Aer Anojm Amho. ~±Ho$Zo ZdrZ XwMmH$s MmaMmH$s dmhZoKoÊ`mH$arVm âKmog d gwc^ AW©ghmæ` Ho$bo Amho. Mmby dfu H$mOy ~r IaoXr H$arVm H$mOy w{ZQ> YmaH$m§Zm JmoS>mdyZ H$O} VmËH$miCnbãY ìhmdrV `mH$arVm {Z`moOZ Ho$bo Amho. Ë`mMà_mUo ~±Ho$H$S>rb gmdbr J¥h H$O© `moOZog BVa ~±H$mVrb ì`mOXam§À`m VwbZoVAmnë`m ~±Ho$Mm ì`mOXa AË`ën AgboZo Ë`mg àM§S> à{VgmX {_iV Amho. g^mgXm§Zr `m gd© `moOZoMm bm^ ¿`mdm.

g§MmbH$ d ZmVodmB©H$ `m§Zm {Xbobr H$O} :

[aPd© ~±Ho$Mo {ZX}emà_mUo g§MmbH$ d Ë`m§Mo ZmVodmB©H$ `m§Zm H$moUË`mhr àH$maMo Ahdmb gmbmV H$O© _§Oya Ho$bobo Zmhr.`mnydu åhUOo g§MmbH$ hmoUonydu Aer H$O} AmXm Ho$bobr Agbog Ë`m H$Om©Mr _m{hVr Ë`mVrb WH$sV a¸$_oMm Vn{eb [aPd© ~±Ho$ggmXa H$aUo ~±H$mda ~§YZH$maH$ Amho. g§MmbH$ / g§Mm{bH$m `m§Zr g§MmbH$ hmoUonydu KoVboë`m oUo H$Om©Mr ~mH$s é. 14.73 bmIAgyZ g§MmbH$m§Mo AJa Ë`m§Mo ZmVodmB©H$m§Mo oUo H$Om©n¡H$s WH$~mH$s H$mhrhr Zmhr.

WH$~mH$s / AZwËnmXH$ H$O} :

H$O©Xmam§Zr Amnë`m H$Om©Mo háo Á`m Ë`m doir âboM nm{hOoV. H$O© WH$~mH$s Pmbog g§~§YrV emIoVyZ gXa dgwbrH$arVmgËda nmR>nwamdm Ho$bm OmVmo. \$moZdéZ AmR>dU H$éZ XoUo, g_j oQy>Z dgwbr H$aUo mnwTo>hr WH$~mH$s am{hbog H$m`Xoera H$madmB©MrZmoQ>rg nmR>{dbr OmVo. ~±qH$J ì`dgm`mV dgwbrg n`m© Zmhr.

gd© H$O©Xmam§Zm Z_« {dZ§Vr H$s, Ë`m§Zr Amnbo H$O© háo doioda âmdoV VgoM AmnU Á`m H$O©Xmam§Zm Om_rZ am{hbmo AmhmoVAem ImË`mMrhr Mm¡H$er H$amdr. {Z`_rV H$O©\o$S>rZo H$O©Xmam§Mo ì`mO dmMVo d ~±Ho$Mr Am{W©H$ pñWVr gwÑT> hmoVo.

{X. 31/03/2019 B. amoOr AZwËnmXH$ H$O©Xma g§»`m 80 BVH$s AgyZ AZwËnmXH$ a¸$_ é. 376.99 bmI BVH$s Amho.WH$sV Agboë`m gd© ImVoXmam§da H$m`Xoera H$madmB© gwé AgyZ WH$~mH$sXma H$O©Xmam§Zr Amnbr WH$sV a¸$_ ^éZ H$m`XoeraH$madmB©Mm ggo{_am Q>mimdm d Amnbm Am{U ~±Ho$Mm doi d n¡gm dmMdmdm. WH$sV H$O© a¸$_ dgwbrV à{VgmX XoUmè`m WH$~mH$sXmam§~m~V~±H$ gH$mamË_H$ _XV XoUog gX¡d V`ma Amho.

{X. 31/03/2019 B. amoOrMo ~±Ho$Mm J«m°g EZ.nr.E. a¸$_oMo oUo H$Om©er à_mU 2.83 Q> o$ Amho. ~±Ho$Mm J«m°g EZ.nr.E. 0Q> o$ hmoÊ`mH$arVm gd© H$O©Xmam§Mo ghH$m © AnojrV Amho.

H$O© {Zb}IZ d ì`mO gdbV :

WH$~mH$s hm ~±Ho$À`m àJVr_Yrb _moR>m AS>ga Amho. WH$~mH$s / EZ.nr.E. _wio ~±Ho$À`m CËnÞmda {dnarV n[aUm_ hmoVmoMnU ~±Ho$À`m nVrdahr Ë`mMm n[aUm_ hmoVmo. H$m`Xoera H$madmB© H$éZhr Á`m ImË`mV dgwbr oV Zmhr. H$Om©À`m VmaUmMm èhmg PmbmAmho qH$dm VmaU {_iH$V {dH«$s H$aÊ`m_Ü o AS>MUr {Z_m©U Pmë`m Agbog Aer H$O} dgwbrg doi bmJVmo. Aer emgH$s`coImn[ajH$m§Zr à_mUrV Ho$cocr H$O© ImVr ~±Ho$Mo dgwcrMo A{YH$ma H$m`_ R>odyZ {Zc}{IV H$aUog g§MmcH$ _§S>i Amnë`mH$S>o{e\$mag H$aV Amho. H$O} {Zc}IZ Ho$co åhUOo H$Om©_Ü o gwQ> {Xcr qH$dm _m\$ Pmco Agm g_O H¥$n`m H$éZ KoD$ Z o. JVdfu{Zc}{IV Ho$coë`m ImË`m_Yrc aŠH$_ dgwc H$éZ KoUoMm A{YH$ma ~±Ho$Zo H$m`_ R>odyZ Aer ImVr {Zc}{IV Ho$cr AmhoV. Aem

Anojm Am{U ñdmW© `m {d{MÌ IoimV _mUyg EH$Xm AS>H$cm H$s Vmo _mUwgH$s {dgaVmo.


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{Zc}{IV Ho$coë`m d {Zc}{IV H$amd`mÀ`m H$O© ImË`m§Zm _§Oyar XodyZ ghH$m © H$amdo.

emgH$s` boImn[ajU d BVa boImn[ajU :~±Ho$À`m Am{W©H$ dfm©Mo boImn[ajU _o. nmQ>rb, KodSo> d _hmnwaH$a Am{U Agmo{gEQ>g m§Zr nyU© Ho$bobo AgyZ Ë`m§Zr ~±Ho$À`m Am{W©H$

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gr.E. _o. Eg. Ama. ~H$ao A°ÊS> H§$nZr `m§Zr nyU© Ho$bo Amho. Ë`mMà_mUo Cd©arV emIoMo A§VJ©V boImn[ajU gr.E. _o. {H$„oH$a qeXo,H§$J«miH$a Am{U H§$nZr `m§Zr nyU© Ho$bobo Amho.

_o. nmQ>rb, KodSo> d _hmnwaH$a Am{U Agmo{gEQ>g d Ë`m§Mo ghH$mar dJm©Zo boImn[ajUmVrb Ho$boë`m gwMZm~Ôb _r Ë`m§MmAm^mar Amho. VgoM _o. Eg. Ama. ~H$ao A°ÊS> H§$nZr d _o. {H$„oH$a qeXo, H§$J«miH$a Am{U H§$nZr `m§Mohr _r Am^ma _mZVmo.

Jw§VdUwH$ : é. 77,50,34,167/-~±Ho$H$S>rb Jw§VdUwH$ hr ~±Ho$Mo ñW¡ © d Am{W©H$ ^¸$_nUm Xe©{dV AgVo. ~±Ho$Mr {X. 31/03/2019 B. amoOrMr Jw§VdUyH$ é.

7750.34 bmI BVH$s Amho. ~±Ho$H$S>rb Jw§VdUyH$ hr [aPd© ~±Ho$À`m {Z`_mà_mUo, gwa{jVnUo Ë`mMà_mUo A{YH$ naVmdm XoUmè`m{dÎmr` g§ñWm _Ü o Ë`mMà_mUo gaH$mar d gaH$ma_mÝ` H$O© amoIo `m_Ü o Ho$bobr Amho.

g^mgXmH$arVm bm^m§e :{X. 16/07/2019 B. amoOr Pmboë`m g§MmbH$ _§S>imÀ`m g o_Ü o g^mgXm§Zm 8 Q> o$ bm^m§e XoUo~m~V {e\$mag Ho$bobr

AgyZ gXa bm^m§e a¸$_ _§OyarZ§Va g^mgXm§Mo gopìh¨J ImVoda O_m H$aUoV oUma Amho. g^mgXm§Zm {_iUmè`m bm^m§e a¸$_oVgmVË` Agmdo d Ë`m_Ü o dfm©JUrH$ d¥Õr hmoB©b Ago ~±Ho$Mo YmoaU Amho. g^mgXmZo {H$_mZ 10 mJ (1 mJmMr qH$_V é. 100) YmaUH$amdoV. AnyU© ^mJ a¸$_oda bm^m§e XoVm oUma Zmhr `mMr gdmªZr Zm|X ¿`mdr.

godH$ dJ© d godH$ à{ejU :ZdrZ ~±H$s¨J ñnY}_Ü o gj_nUo {Q>H$UogmR>r à{ejU wº$ H$_©Mmar dJ© hr ~±Ho$Mr _hËdmMr _mb_Îmm Amho. ~±H$s¨J_Ü o

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JaO Zgcoë`m dñVy IaoXr Ho$ë`mg JaOoÀ`m dñVy {dH$m`Mr doi oVo.


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Oo Amnë`m ~mhoa Amho Vo Zmhr Va Oo Amnë`m AmV_Ü o Amho Vo Amnë`mcm C§M KodyZ OmVo - That's Self Confidence


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POSITION AT A GLANCE (AS ON 31 MARCH 2019)

PROFILE

Name of the Bank Janata Sahakari Bank Ltd.Ajara

Head Office Main Road, Ajara, Dist. Kolhapur.

Date of Registration KPR/BNK/302 Date : 5-4-1963

No.and Date of RBI Licence UBD/MH/451P.Date : 1-3-1986

Jurisdiction Kolhapur, Sangali & Sindhudurg, Districts (Maharashtra)

Items Year 2018-2019 (Rs.in Lakh)

NO.of Branches including H.O. 15

Membership Regular 24516

Nominal 3151

Paid up Share Capital 740.63

Total Reserve Funds & Other Funds 1310.55

Deposits Savings 2619.44

Current 919.65

Fixed 16672.23

Advances Secured 13036.54

Unsecured 290.12

Total & Percentage of advances to Priority Sector 8920.12

89.44%

Total & Percentage of advances to weaker Section 1595.77

17.89%

Investment DCC Bank 814.00

Other 6936.34

Net NPA (Percentage) 0.00%

Audit Classification "A"

Profit and loss for the year 125.29

Total Staff Officers 25 86Clerical 40Sub Staff 21

Working Capital 23060.69

Place : Ajara Mr. M. B. Patil Chief Executive Officer.

{dO` Ë`mMmM hmoVmo, Omo {dO`mgmR>r gmhg H$aVmo.


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DISCLOURES as per 'RBI' Guidelines

Sr.No. Particulars 31/03/2018 31/03/2019

1 Capital to Risk Weighted Assets Ratio (CRAR) 15.85% 14.09%

2 Movement in CRAR

A Tier I Capital Fund 1235.44 1483.45

B Tier II Capital Fund 125.77 137.16

C Total Capital Funds (A+B) 1341.21 1620.61

D Risk Weighted Assets 8461.96 11499.66

E Tier I Capital to Risk Weighted Assets 14.60% 12.90%

F Tier II Capital to Risk weighted Assets 1.25% 1.19%

G Total Capital Funds to Rsik Weighted Assets 15.85% 14.09%

3 Value of Investments 8463.57 7750.34

A SLR Investment Gov. Securities (Book Value) 4425.56 4105.98

B Non SLR Investments (Book Value) 1119.01 1204.01

a) Shares of Co-op. Institutions 4.01 4.01

b) Liquid Fund 1115.00 1200.00

C) Fixed Deposit with Banks 2919.00 2440.35

a) MSC.DCC IDBI Banks 632.00 810.00

b) Other Banks 2287.00 1630.35

Total Face Value of Investment 4400.00 4100.00

Total Book Value of Investment 4425.56 4105.98

Total Market Value of Investment 4044.25 3959.27

4 Advances against Real Estate,Construction,Housing 2256.58 2879.90

5 Advances against Shares & Debentures --- ---

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6 Advances to Directors & their Relatives 47.65 14.73

A. Advances to Directors -- ---

a) Fund Based 47.65 14.73

b) Non Fund Based --- ---

B. Advances to Relatives of Directors --- ---

a) Fund Based --- ---

b) Non Fund Based --- ---

7 Average Cost of Deposits 7.64 7.48

8 NPAs

A) Gross NPAs 409.19 376.99

% to Total Advances 4.10% 2.83%

B ) Net NPAs. 0 0

% to Net Advances 0% 0%

9 Movement in NPAs

Opening Balance 457.47 409.19

Add: Additions During the year 109.99 49.45

Less : Recovery during the year 122.76 16.10

Less : Write Off 35.51 65.55

Closing Balance 409.19 376.99

10 Profitability Ratios

A. Interest Income as a percentage of Working Funds 9.55 9.70

B Non Interest Income as a percentage of Working Funds 0.34 0.46

C Operating Profit as a percentage of Working Funds 0.42 0.54

D Return on Assets 0.50 0.56

E Business (Deposits + Advances ) per Employee 313.48 389.98

F Profit Per Employee 0.95 1.46

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11 Provisions made towards NPAs Depreciation in

Investment

A Towards NPA 38.50 102.00

B Towards Depreciation on Investment 0.89 ---

C Towards Standard Advances 5.00 21.00

E Towards Amortisation cost of Acquisition 4.74 4.72

F Towards Investment Depreciation Reserve -- ---

12 Movement in Provisions

A Towards NPA


Add: Provision made during the year 38.50 102.00

Add: Recovery from Loan 0.00 0.00

Less : Write off / Write-back of excess provisions 35.51 65.55


B Towards Depreciation on Investements


Add: Additions During the year 0.89 ---


C Towards Standard Assets


Add: Additions during the year 5.00 21.00


13 Foreign Currency Assets & Liabilities -- ---

14 Deposit Insurance (DICGC) Premium Paid

April 2018 to Sept. 2018 (With GST) 9.31 10.63

Oct.2018 to March 2019 (With GST) 10.33 11.80

Total 19.64 22.43

15 Penalty Imposed by RBI for any Violation Nil Nil

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6) H°$e H«o$S>rQ> ImË`mda {Z`_mà_mUo CbmT>mb hmoUo ~§YZH$maH$ Amho. dmhZo, XwH$mZmVrb VgoM JmoS>mdyZ _Yrb_mbmMm {d_m CVa{dUogmR>r ~±H$Zo ~OmO AbmB©Ýg m H§$nZrH$So> H$ama, Ho$bm Amho. gXa H§$nZr _m\©$V _mbmMm /dmhZm§Mm {d_m ~±H$ CVadob _mÌ gXa {d_m hßË`mMr a¸$_ H$O©XmamZo ~±Ho$H$So> gËda âUm H$aUoMr Amho. AÝ`WmgXa a¸$_ H$O© a¸$_ g_OyZ ì`mOmgh AmJ«H«$_mZo dgyb Ho$br OmB©b `mMr Zm|X ¿`mdr.

7) Amnë`m d Amnë`m {_Ì _§S>irMo ~±H$s¨JMo gd© ì`dhma Amnë`m ~±Ho$VwZ hmoVrb `mH$So> bj Úmdo, _wXV g§nboZ§Va30 {Xdgm§Mo AmV Ro>d [aÝ yAb H$amdr. [aPd© ~±Ho$À`m {Z`_mà_mUo goìht½O, Mmby ImË`mda ì`dhma hmoV ZmhrVAem ImË`mVrb a¸$_ [aPd© ~±Ho$H$So> dJ© H$aUo ~±H$mZm ~§YZH$maH$ AgboZo Amnë`m ImË`mV ì`dhma H$amdoV.

8) Ro>drXmamZm ~±Ho$VyZ, Ro>drda {_iUmè`m é. 40,000/ nojm OmñV ì`mO a¸$_oda H$a H$nmV H$aUo ~m~V Am`H$a{d^mJmZo gº$sMo Ho$bo Amho. _mÌ Á`m ImVoXmam§Mo dm{f©H$ CËnÞ H$anmÌ _`m©Xonojm H$_r Amho. Aem Ro>drXmamZrAZwH«$_o 15G$ d 15H \$m°_© ^éZ {Xbog ~±H$ Ro>drda H$a H$nmV H$aUma Zmhr. _mÌ gXa \$m°_© gmo~V n°Z H$mS©>AgUo ~§YZH$maH$ Amho. Var gd© Ro>drXmam§Zr darb ~m~r {dMmamV KoD$Z 15G d 15H \$m°_© ^éZ ÚmdoV. Amnbo~±Ho$H$So> n°Z H$mS©> H$mTy>Z XoUoMr ì`dñWm Amho. Ë`mMm bm^ g^mgX, J«mhH$ `mZr ¿`mdm.

9) ~±Ho$À`m nmoQ> {Z`_mà_mUo 97 ì`m KQ>Zm XwéñVrZwgma Pmboë`m ~Xbmà_mUo Imbrb ~m~r nyU© H$arV Agbobog^mgX ho H«$s`merb g^mgX amhVrb.

1) g^mgXmZr ~±Ho$À`m 5 dfm©Vrb {H$_mZ EH$m dm{f©H$ gd©gmYmaU g og CnpñWV amhrbo nmhrOo.

2) g^mgXmZo ~±Ho$Mo {H$_mZ é. 1000/- Mo ^mJ YmaU Ho$bo Agbo nm{hOoV.

3) ~±Ho$V g^mgXmZo _mJrb gbJ 5 dfm©_Ü o {H$_mZ EH$ doim Am{W©H$ ì`dhma Ho$co Agbo nmhrOoV. Am{W©H$ì`dhma åhUOo ~±Ho$V {H$_mZ é. 3000/- Ro>d AgUo Amdí`H$ Amho qH$dm g^mgXmZo ~±Ho$H$Sy>Z é.50,000/- H$O© KoVbobo AgUo Amdí`H$ Amho.

4) boImn[ajH$m§À`m gyMZoà_mUo Á`m g^mgXm§Mo AnwU© eoAg© AmhoV Aem g^mgXm§Zm ~±Ho$À`m bm^m§emnmgyZd§{MV ahmdo bmJob. Var àË oH$ AnyU© eoAg© a¸$_ Agboë`m g^mgXm§Zr ËdarV nyU© a¸$_oMm eoAg© H$éZKoUoV `mdm.

ì`ŠVrÀ`m H¥$Vr_mJrc àoaUm ho Ë`m§Mo Mm[aÍ` ì`ŠV H$aV AgVo.


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8AMEND-

MENT

The Authorized share capital ofthe bank is Rs. 10,00,00,000/-(Rupees Ten Crores) divided into10,00,000 shares of Rs. 100/- each.

The Authorized share capital ofthe bank is Rs. 25,00,00,000/-(Rupees Twenty Five Crores) dividedinto 25,00,000 shares of Rs. 100/-each.

TheAuthorizedsharecapitallimit isgoing tobe over.

nmoQ>{Z`_ XþéñVr

nmoQ>{Z`_ gÜ`mÀ`m nmoQ>{Z`_mMr XþéñVr nmoQ>{Z`_mMr XþéñVrMrH«$_m§H$ eãXaMZm eãXaMZm H$maUo

nwadUr H«$_m§H$ 8

nwadUr H«$_m§H$ 19

19NOMINALMEMBER

Any person who is co parsener orwho desires to stand surety for aborrowing member of the Bank orwho desires to borrow occasionallyas permitted by Reserve Bank ofIndia may be enrolled as nominalmember upon his application in theprescribed form and on payment ofnon refundable entrance fee asspecified by the Board of Directorsfrom time to time (presently Rs. 25/-)and upon his agreeing to thecondition that he shall cease to be anominal member when all liabilitiesagainst him either as a borrower oras a surety are fully dischargedprovided that such person is one whoresides or is gainfully engaged in anyoccupation within the area ofoperation of the Bank.

Any person who resides or operateshis business/profession within the areaof operation of the bank and whogenuinely need the services providedby the bank and whose interest doesnot conflict with the interest of the bankand who is co parsener or who desiresto stand surety for a borrowingmember of the Bank or who desires toborrow occasionally as permitted byReserve Bank of India or who availslocker facility or any other servicesprovided by the bank or who acts inthe capacity of valuator, appraiser,advisor or in the interest of promotionof the business of the bank may beenrolled as nominal member upon hisapplication in the prescribed form andon payment of non refundableentrance fee as specified by the Boardof Directors from time to time presentlyRs. 100/-(or as may be decided byBoard from time to time which shallnot exceed Rs. 1000/-) and upon hisagreeing to the condition that he shallcease to be a nominal member whenall liabilities against him either as aborrower or as a surety are fullydischarged.

Increasedin printingstationaryandm a i n t e -nancecost.(to coordinetin 97tha m e n d -mentin CooperativeAct)

nmoQ>{Z`_ gÜ`mÀ`m nmoQ>{Z`_mMr XþéñVr nmoQ>{Z`_mMr XþéñVrMrH«$_m§H$ eãXaMZm eãXaMZm H$maUo

M§XZmà_mUo {POë`m{edm` H$sVu-gwJ§Y XadiV Zmhr.


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39Board ofDirectors

i) The Executive management of the Bank shall vest in the hands of Board ofDirectors consisiting of such no. of Directors depending upon the size ofBank.

Sr. Size of Bank General SC/ST Women OBC DTNT/VJNT TotalNo. Deposits in Cr. Category SBC

1 Rs.100 Cr. 10 1 2 1 1 15To Rs. 500 Cr.

39Board ofDirectors

For thefinancialStability ofthe bankandinterest ofdepositors

nmoQ>{Z`_ gÜ`mÀ`m nmoQ>{Z`_mMr XþéñVrMrH«$_m§H$ eãXaMZm H$maUo


XþéñVr nmoQ>{Z`_mMr XþéñVrMreãXaMZm H$maUo

i) In addition to above Bank may co-opt two directors from active members ofthe bank with suitable banking experience from middle management of anybank for the minimum period of 10 years or having relevant professionalqualifications for the purpose of the sub-clause the professional qualificationmeans a chartered accountants/ICWA/CS/CAIIB/MBA (Banking and finance)/Law Graduate or Faculty in banking field having a experience in the middle/senior/top level management for minimum 10 years. (this is as per RBI circularNo. PCB.CIR.POT 39/09.103.01/2001-02, Dt 5/04/2002.ii) Bank may nominate functional director as per provision of section 73 AAAof the Act.

i) The Executive management of the bank shall vest in the hands of Board ofDirectors of the bank. The Board shall consist of 15 (fifteen) elected Directorsas following excluding Co-opted Directors & Chief Executive Officer :

Constituency Category Numbers

Members from HO branch Ajara General 10

Members from All branches in area of operation. S.C./S.T, 1

Members from All branches in area of operation. Women 2

Members from All branches in area of operation. O.B.C. 1

Members from All branches in area of operation. DTNT/VJNT/ 1SBC

Note : All the members eligible for voting shall vote to all above fifteen seats.ii) Co opted expert Director : In addition to 15 (fifteen) elected directors, Bank may co-opt Two (2) Directorshaving experience (at middle / senior management level) in the field ofbanking, management, finance, law or specialization in any other field relatingto objects and activities undertaken by the bank as per the RBI guidelinesissued from time to time such as Chartered Accountant / ICWA / CS / CAIIB/ MBA (Banking / Finance), Law Graduate or Faculty in banking field havinga experience in the middle / senior / top level management for minimum 10years. However, such co-opted directors shall not be entitled to vote at themeeting of the Board of Directors or shall not be entitled to be elected as

Amnco H$V©ì` `mo½`àH$mao nma nmS>Umè`mg B©ída `mo½` \$i XoVmo.


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nmoQ>{Z`_ gÜ`mÀ`m nmoQ>{Z`_mMr XþéñVrMrH«$_m§H$ eãXaMZm H$maUo


40ELIGIBILTY

OFBOARD

OFDIRECTORS

chairperson or vice chairperson. The period of Co-opted Directors shall beco-terminus with the Board of Directors.iii) Chief Executive Officer shall be Ex-Officio member of the Board of Directorsiv) Bank may nominate functional director as per provision of section 73 AAA of the Act.39(A) Elections of the members of the Board :i) The conduct of the elections to the Board of the Bank shall be theresponsibility of the existing Boardii) The election of members of Board shall be held in the manner as may beprescribed by the election schedule annexed with the MSC Act 1960 (AACS)iii) The elected members of the Board shall be eligible for re-election.iv) Where the Board fails to conduct election of the members of Board, theState Registrar shall hold the election within a period 180 days from the datewhen such elections become due.v) No person shall be eligible to be elected as a member of the Board of theBanks unless he is a member of the General Body of the bank.vi) Board may keep the director's seat vacant occurred due to his death,resignation, disqualification, removal for any reason. However Board shall fillup such vacant post by election. Provided that such vacant seat shall befilled by Board by nomination out of the same class of members in respect ofwhich the vacancy has arisen, if the term of office of the Board is less thanhalf of its original term. The tenure of such director will be coterminous withthe remaining tenure of other members of the Board.vii) For the election of the Board of Directors if some of the contestingcandidates form a panel or panels then all the candidates from such panelwill be eligible to get a common symbol for each panel.39(B) Term of the Board of Directors :The term of the office of the elected members of the Board of Directors shallbe 5 years from the date of election. The elected members of the Board shallbe eligible for re-election. However the elected members shall continue tohold office till their sucessors are elected or nominated under the provisionsof the Act/Rules and Bye Laws and assume charge of their office. Electionsof Board of Directors shall be held as per the provisions of MSC Act 1960(AACS) and Rules made there under.

To contest the election of Board of Directors, the active member should complyfollowing criteria at the time of nomination.

Sr. Bank Category Minimum Shares Minimum DepositNo. (Deposits in Cr.) Amt. in Rs. Amt. in Rs.

1. 100 to 500 Cr. 10000 And 50000

Note : The elected directors shall keep the above deposits for the entiretenure of the board.

The persons contesting from reserve seat under section 73B and 73Cshall comply with 50% of the criteria required for general category at the timeof nomination.

Z{e~mMo MH«$ gVV {\$aV AgVo, åhUyZM H$moUr haIyZ OmD$ Z o qH$dm hV~chr hmoD$ Z o.


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40ELIGIBILTY

OFBOARD

OFDIRECTORS

A Ordinary member shall be eligible to be elected as Director if :

i) He is a member of the bank at least 24 months prior to the date of election.

ii) He is not guarantor to the defaulter borrower of the bank.

iii) He should not be defaulter to any Co-operative Society registered underMSC Act 1960 and Multi State Co-op societies Act 2002.

iv) He held shares of at least Rs. 20,000/- and (lien free) Deposit of at leastRs. 1,00,000/- at least 12 months prior to the date of election.

v) Provided that the elected Directors shall keep the above deposits for theentire tenure of the Board.

vi) The persons contesting from reserve seat under section 73B and 73Cshall comply with 50% of the criteria required for general category at least 12months prior to the date of election.

vii) A member should not be a director of anyother co operative bank, cooperative society registered under State registrar and central registrar.

For thef inanc ia lStability ofthe bankandinterest ofdepositors.

XþéñVr nmoQ>{Z`_mMr XþéñVrMreãXaMZm H$maUo

_w»` H$m ©H$mar A{YH$mar MoAa_Z OZVm ghH$mar ~±H$ {b., AmOam, {O. H$moëhmnya

{Q>n : nmoQ>{Z`_ XþéñVr g§~§Yr g{dñVa _m{hVr hdr Agë`mg g^mgXm§Zr H¥$n`m_w»`mc`mH$Sy>Z Am°{\$g doioV _m{hVr KoUo.

d¥Õm§Zm Iyn H$_r JaOm AgVmV, nU Hw$Qy>§{~`m§Zr Ë`mH$S>o Iyn H$_r cj XoD$Z MmcV Zmhr.

Documents

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