mLeeHevee 1952 veeWoCeer ¬eÀceebkeÀ 20272

efo c³egefveefmeHe} keÀes-Dee@HejsefìJn yeBkeÀ ef}efceìs[, cegbyeF&

c³egefveefmeHe} yeBkeÀ YeJeve, 245, Heer.ef['ces}es jes[, HeÀesì&, cegbyeF&-400 001.
cegbyeF&, efoveebkeÀ ë 04.08.2023
veesìerme
efo c³egefveefmeHe} keÀes-Dee@HejsefìJn yeBkeÀ ef}efceìs[, cegbyeF& ³eeb®eer SkeÀenllejeJeer Jeeef<e&keÀ meJe&meeOeejCe meYee Megke´ÀJeej, efoveebkeÀ 18 Dee@iemì, 2023
jespeer, mee³ebkeÀeUer 6.00 Jeepelee Þeer efMeJeepeer cebefoj, ve.ef®eb. kesÀUkeÀj HeLe, oeoj (He.), cegbyeF&-400 028 ³esLes Kee}er} keÀecekeÀepeeb®ee efJe®eej
keÀjC³eekeÀjerlee Dee³eesefpele keÀjC³eele Dee}er Deensë-
1) efoveebkeÀ 25.08.2022 jespeer Pee}su³ee 70 J³ee Jeeef<e&keÀ meJe&meeOeejCe meYes®³ee FefleJe=lleebleeme cebpetjer osCes.
2) meb®ee}keÀ ceb[Ueves meeoj kesÀ}su³ee Jeeef<e&keÀ DenJee}eme Je JewOeeefvekeÀ efnµesye leHeemeveermeebveer leHeeme}s}s efo.31 cee®e& 2023 DeKesj®es veHeÀe-leesìe
He$ekeÀ Je leeUsyebo ³eebme ceev³elee osCes.
3) efoveebkeÀ 01.04.2022 les 31.03.2023 ³ee keÀe}eJeOeerkeÀjerlee JewOeeefvekeÀ efnµesye leHeemeveerme ³eebveer meeoj kesÀ}su³ee DenJee}e®eer veeWo IesCes
Je meve 2021-2022 ®³ee JewOeeefvekeÀ efnMesye leHeemeCeer DevegHeeueve DenJeeuee®eer veeWo IesCes.
4) meve 2023-2024 ³ee DeeefLe&keÀ Je<ee&keÀjerlee cee. menkeÀej Dee³egkeÌle Je efveyebOekeÀ, menkeÀejer mebmLee, ceneje<ì^ jep³e, HegCes ³eebveer He´keÀeefMele
kesÀuesu³ee veeceleeefuekesÀceOeerue, Yeejleer³e efjPeJn& yeBkesÀves cebpetjer efo}su³ee JewOeeefvekeÀ }sKee Heefj#ekeÀe®eer veeWo IesCes.
5) veHeÀe JeeìCeerme cebpetjer osCes.
6) yeBkesÀ®eer Jemeg} ve nesCeejer keÀpex yegef[le Je DeefveefM®ele keÀpex efveOeer (BDDR) Keel­­­­³eeme veebJes ìeketÀve efve}xefKele keÀjCes.
7) yeBkesÀ®³ee GHeefJeOeerceOeerue Heesìefve³ece ke´ÀceebkeÀ 10 (1)(ye), 10(2)(ye), 42 (1) (ie) Je 58 ([) JeieUCes, Heesìefve³ece ke´ÀceebkeÀ 11 (4)
(HeÀ), 11 (5) (ye), 19, 22 (2), 39 (ie), 53 (ie) Je (Ie) ceO³es yeoue/DebleYet&le keÀjC³eeme cebpetjer osCes.
8) 71 J³ee Jeeef<e&keÀ meJe&meeOeejCe meYesleerue meYeemeoeb®eer iewjnpesjer ceeHeÀ keÀjCes.
9) cee. DeO³e#eeb®³ee HejJeeveieerves, efve³eceebme DevegmejÀve, Dee³el³eeJesUer ³esCeeN³ee keÀecekeÀepee®ee efJe®eej keÀjCes.
meb®ee}keÀ ceb[Ue®³ee ngketÀceeJejÀve
efþkeÀeCe ë cegbyeF& efJe.ner. jeJeokeÀe
efoveebkeÀ ë 04.08.2023 ceneJ³eJemLeeHekeÀ
met®evee
1) meJe&meeOeejCe meYes®³ee efveefµ®ele kesÀ}su³ee JesUer ieCemebK³ee HetCe& ve Peeu³eeme meYee lenketÀye keÀjC³eele ³esF&}. Deµeer lenketÀye Pee}s}er meYee l³eeveblej
DeO³ee& leemeeves l³ee®e efoJeµeer, l³ee®e efþkeÀeCeer IesC³eele ³esF&} Je DeeJeµ³ekeÀ l³ee ieCemebK³es®³ee DeYeeJeermegOoe keÀecekeÀepee®ee efJe®eej kesÀ}e peeF&}.
2) meYeemeoebvee Jejer} keÀe³e&ke´Àce Heef$ekesÀJejer} keÀecekeÀepeemebyebOeer keÀener ceeefnleer nJeer Demeu³eeme l³eebveer keÀecee®³ee JesUsle, cegK³e keÀe³ee&}³eele,
ceneJ³eJemLeeHekeÀ ³eebvee HetJe&met®evesvegmeej YesìeJes.
3) Jeeef<e&keÀ meJe&meeOeejCe meYes®es keÀecekeÀepe meg}Ye nesC³ee®³ee ¢<ìerves meYeemeoebveer l³eebvee nJ³ee Deme}su³ee ceeefnleeryeeyele meYesHetJeea 7 efoJeme Deieesoj
}sKeer met®evee ÐeeJeer Je meYes®³ee JesUer mebyebOeerle efJe<e³eeJejer} ®e®ee& ®ee}t Demeleevee l³eeyeeyele efJe®eejCee keÀjeJeer. Dee³el³eeJesUer efJe®eej}s}er ceeefnleer
osCes µeke̳e nesCeej veener.
4) efoveebkeÀ 25.08.2022 jespeer Pee}su³ee Jeeef<e&keÀ meJe&meeOeejCe meYes®es FefleJe=lleeble l³ee®eHe´ceeCes meve 2022-2023 ®ee JewOeeefvekeÀ efnµesye
leHeemeveermeeb®ee DenJee} Je meve 2021-2022 ®ee JewOeeefvekeÀ efnMesye leHeemeCeer DevegHeeueve DenJeeue meYeemeoeb®³ee DeJe}eskeÀveemeeþer efoveebkeÀ
04.08.2023 Heemetve keÀecee®³ee efoJeµeer, keÀe³ee&}³eerve JesUsle yeBkesÀ®³ee cegK³e keÀe³ee&}³eele þsJeC³eele ³esF&}. lemes®e yeBkesÀ®³ee meJe& µeeKeebceO³es
ceeieer} meYes®³ee FefleJe=lleeblee®³ee He´leer efoveebkeÀ 04.08.2023 Heemetve meYeemeoeb®³ee DeJe}eskeÀveemeeþer keÀecee®³ee efoJeµeer, keÀe³ee&}³eerve JesUsle
þsJeC³eele ³esleer}.
5) p³ee meYeemeoebveer l³eeb®ee F&-ces} Dee³e.[er. efkebÀJee ceesyeeF&} ke´ÀceebkeÀe®eer ceeefnleer yeBkesÀkeÀ[s veeWo kesÀ}er vemes} l³eebveer l³eeyeeyele®eer ceeefnleer mebyebOeerle µeeKee
keÀe³ee&}³eele lJejerle meeoj keÀjeJeer.
6) yeBkesÀ®³ee www.municipalbankmumbai.com ³ee JesyemeeF&ìJej 71 Jee Jeeef<e&keÀ DenJee} meYeemeoeb®³ee DeJe}eskeÀveeLe& GHe}yOe keÀjC³eele ³esle Deens.
1
 efo c³egefveefmeHe} keÀes-Dee@HejsefìJn yeBkeÀ ef}efceìs[, cegbyeF&
c³egefveefmeHe} yeBkeÀ YeJeve, 245, Heer.ef['ces}es jes[, HeÀesì&, cegbyeF&-400 001.
cegbyeF&, efoveebkeÀ ë 04.08.2023
71 Jee Jeeef<e&keÀ DenJee}
mevceeveveer³e meYeemeo yebOet YeefieveeRvees,
efoveebkeÀ 31 cee®e& 2023 jespeer mebHe}su³ee DeeefLe&keÀ Je<ee&®ee 71 Jee Jeeef<e&keÀ DenJee}, leeUsyebo Je veHeÀe-leesìe He$ekeÀ mevceeveveer³e meb®ee}keÀ ceb[Ue®³ee
Jeleerves DeeHeu³eeHeg{s meeoj keÀjC³eeme ce}e Deevebo nesle Deens.
mee} 2022-2023 ceO³es yeBkesÀves DeeefLe&keÀ ¢<ì³ee meJee¥ieerCe He´ieleer meeOeueer Deens. ³eeJe<eea yeBkesÀ}e jÀHe³es 129.17 keÀesìer FlekeÀe {esyeU
veHeÀe Pee}e Demetve l³eeJej Dee³ekeÀjeHeesìer ©He³es 36.70 keÀesìer DeefOeoeve/lejleto keÀjÀve yeBkesÀme ©He³es 92.47 keÀesìer FlekeÀe efveJJeU veHeÀe Pee}e Deens.
DenJee} mee}eceO³es yeBkesÀves kesÀ}su³ee He´ieleer®ee iees<eJeeje Heg{erueHe´ceeCes ë-
1. DenJee} mee}eleer} þUkeÀ Jewefµe<ì³es ë
Kee}er veceto kesÀ}su³ee lekeÌl³eeJejÀve yeBkesÀves DenJee} Je<ee&le kesÀ}su³ee keÀeceefiejer®eer keÀuHevee ³esles ë-
(jÀHe³es keÀesìerle)
De.ke´À. leHeµeer} DeeefLe&keÀ Je<e& 31.03.2022 DeeefLe&keÀ Je<e& 31.03.2023 efveJJeU Jee{
DeKesj®eer jkeÌkeÀce DeKesj®eer jkeÌkeÀce (+)/ Ieì (-)
1. Yeeie Yeeb[Je} 147.65 143.51 - 4.14
2. þsJeer 3763.98 3828.67 + 64.69
3. keÀpex 2652.83 2869.79 +216.96
4. KesUles Yeeb[Je} 5020.47 5247.23 +226.76
5. Dee³ekeÀj YejC³eeHetJeea®ee veHeÀe 112.24 129.17 + 16.93
6. Dee³ekeÀj Yeju³eeveblej®ee efveJJeU veHeÀe 80.95 92.47 + 11.52
DenJee} mee}eceO³es yeBkesÀ®es Yeeie Yeeb[Je} ©He³es 143.51 keÀesìer FlekesÀ Pee}s Demetve ieleJe<eea®³ee leg}vesle ³eeJe<eea ³eeceO³es jÀHe³es 4.14 keÀesìerves Ieì
Pee}er Deens. yengleebµe meYeemeo mesJeeefveJe=lle nesleele cee$e ceneHeeef}kesÀle veJ³eeves efve³egkeÌle nesCee-³ee keÀce&®eejer / DeefOekeÀejer ³eeb®es He´ceeCe keÀceer Demeu³eekeÀejCeeves
lemes®e keÀener meYeemeoebveer Flej efJeefJeOe keÀejCeecegUs yeBkesÀ®³ee meYeemeolJee®ee jepeerveecee efou³eeves meYeemeo mebK³ee keÀceer Pee}er Deens. HeefjCeeceer YeeieYeeb[Je}
jkeÀcesle Ieì Pee}er Deens. ielemee}er yeBkesÀ®³ee þsJeer ©He³es 3763.98 keÀesìer Fleke̳ee nesl³ee. ³eeJe<eea meoj þsJeer ©He³es 3828.67 keÀesìer Fleke̳ee Deensle
cnCepes®e iesu³ee Je<ee&®³ee leg}vesle ©He³es 64.69 keÀesìerves þsJeerbceO³es Jee{ Pee}er Deens.
³eeJe<eea DeeHeu³ee yeBkesÀ®es 2136 meYeemeo mesJeeefveJe=lle Peeues. mesJeeefveJe=lleerveblej meJe&meeOeejCeHeCes meYeemeo l³eeb®³ee pevceieeJeer jenCes Hemeble keÀjleele.
l³eecegUs DeMee meYeemeoeb®eer mekeÌleer®eer þsJe Je Flej þsJeer ceesþ³ee He´ceeCeele keÀceer nesleele. lemes®e keÀener meYeemeo mesJeeefveJe=lleerveblej ceneHeeef}kesÀkeÀ[tve efceUCeejer
jkeÌkeÀce DeeHeu³ee yeBkesÀle þsJe mJejÀHeele þsJeleele. lemes®e keÀener meYeemeo l³eeb®es Hesvµeve Keeles DeeHeu³ee yeBkesÀle GIe[tve mesJeeefveJe=lleerveblejner yeBkesÀyejesyej
$eÝCeevegyebOe keÀe³ece þsJeleele.
³eeJe<eea keÀpe& jkeÀcesceO³es ©He³es 216.96 keÀesìer®eer Jee{ nesTve ieleJe<eea ©He³es 2652.83 keÀesìer Deme}s}er keÀpex ³eeJe<eea ©He³es 2869.79 keÀesìer
Pee}er Deensle. meoj keÀpee&le jÀHe³es 216.96 keÀesìer (8.18 ìkeÌkesÀ) FlekeÀer Jee{ Peeueer Deens. Yeejleer³e efjPeJn& yeBkesÀ®³ee ceeie&oMe&keÀ lelJeevegmeej, yeBkesÀ®ee
meer.[er. jsMees 70 ìkeÌkesÀHe³e¥le DemeCes DeeJeM³ekeÀ Deens. meoj jsMees ne yeBkesÀ®³ee þsJeer, keÀpex, efveOeer ³eeb®³eeMeer efveie[erle Demelees. efoveebkeÀ 31.03.2023
jespeer Yeejleer³e efjPeJn& yeBkesÀ®³ee ceeie&oMe&keÀ lelJeevegmeej yeBkesÀ®ee meer.[er. jsMees 64.93 ìkeÌkesÀ Deens.
ceeieer} Je<eea ©He³es 5020.47 keÀesìer Deme}s}s KesUles Yeeb[Je} ³eeJe<eea ©He³es 5247.23 keÀesìer Pee}s Deens. cnCepes®e iesu³eeJe<eea®³ee
leg}vesle KesUl³ee Yeeb[Je}eceO³es ©He³es 226.76 keÀesìer FlekeÀer Jee{ Pee}er Deens. meoj Jee{ 4.52 ìkeÌkesÀ Deens. DeeefLe&keÀ Je<ee&le keÀpe& jkeÀcesle ©He³es
216.96 keÀesìer Jee{ Pee}er Deens. cee$e keÀpe& jkeÀcesle Jee{ Peeu³eeves keÀpee&Jejer} J³eepe jkeÀcesle ©He³es 8.43 keÀesìerves Jee{ Pee}er Deens. ieleJe<eea yeBkesÀme
©He³es 112.24 keÀesìer {esyeU veHeÀe Pee}e neslee. cee$e ³eeJe<eea meoj {esyeU veHeÀe ©He³es 129.17 keÀesìer Peeu³eeves veHe̳eeceO³es ieleJe<eeaHes#ee jÀHe³es
16.93 keÀesìer®eer cnCepes®e 15.08 ìkeÌkesÀ Jee{ efomele Deens. ³eeJe<eea yeBkesÀme Dee³ekeÀj Yeju³eeveblej efveJJeU veHe̳eeceO³es ©He³es 11.52 keÀesìerves

2
cnCepes®e 14.23 ìkeÌkesÀves Jee{ efomele Deens. Dee³ekeÀj keÀe³eoe 1961 ceOeer} 115 yeer.S.[er. keÀ}ce Debleie&le DeeefLe&keÀ Je<e& 2020-21 Heemetve
menkeÀejer mebmLeevee 30… (DeefOeYeej Je GHekeÀjebmen 34.94…) Dee³ekeÀjeSsJepeer cetU 22… (DeefOeYeej Je GHekeÀjebmen 25.17…) Dee³ekeÀj }eiet
Peeu³eeves yeBkesÀves meoj keÀ}ceebleie&le ceeieerue DeeefLe&keÀ Je<ee&Heemetve Dee³ekeÀj oeef³elJe eqmJekeÀej}s Deens. cee$e meoj keÀ}ce eqmJekeÀeju³eeme YeefJe<³eele l³eele
ceeIeej Ieslee ³esCeej veener. lemes®e efJeefJeOe JepeeJeìer Je meJe}leeR®ee }eYe efceUCeej veener. DeeHeu³ee yeBkesÀ}e keÀener þjeefJekeÀ yeeyeerbmeeþer®e Dee³ekeÀj efJeJejCe
Yejleevee JepeeJeìer efceUle Demeu³eeves meoj He³ee&³e DeJe}befye}s}e Deens. l³ee®ee HeÀe³eoe yeBkesÀme nesle Deens.
(1.1) meYeemeo ë-
DenJee} Je<e& DeKesj yeBkesÀ®eer meYeemeo mebK³ee 73888 FlekeÀer Pee}er Deens. ielemee}er ner mebK³ee 76333 nesleer. DenJee} Je<ee&le 4926 meYeemeo
keÀceer Pee}s Demetve yeBkesÀ®³ee HeefjJeejele 2481 meYeemeo veJ³eeves meeceer} Pee}s Deensle. ceneHeeef}kesÀle veJ³eeves keÀce&®eeN³eeb®eer/DeefOekeÀeN³eeb®eer vesceCetkeÀ
meO³ee nesle vemeu³eeves veJeerve meYeemeoeb®eer mebK³ee peemle Jee{le veener. meYeemeo veme}su³ee ceneHeeef}keÀe keÀce&®eeN³eebvee/DeefOekeÀeN³eebvee meYeemeo keÀjÀve
IesC³ee®es He´³elve megjÀ Deensle. lemes®e veJeerve nesCeeN³ee meYeemeoe®eer SkeÀ mekeÌleer®eer þsJe He´eHle Peeu³eeJej HejleeJee #ecelesvegmeej keÀener efJeefMe<ì keÀpe& megefJeOee
JeieUtve Flej meJe& He´keÀej®³ee keÀpe& megefJeOee GHeueyOe keÀjÀve efo}s}er Deens. l³eecegUs ceneveiejHeeefuekesÀceO³es veJ³eeves Yejleer nesCeeN³ee meYeemeoeme keÀpe& IesCes
KetHe mees³eer®es nesle Deens.
(1.2) mebieCekeÀerkeÀjCe ë
• Sme.Sce.Sme. De@ueì& mesJee ë
Keelesoejeb®³ee Keel³eeJej J³eJenej Peeu³eeJej meoj J³eJeneje®eer lJejerle ceeefnleer Keelesoejeme He´eHle JneJeer cnCetve Ye´ceCeOJeveerJej Sme.Sce.Sme. De@ueì&
megefJeOee keÀe³ee&efvJele keÀjC³eele Deeuesueer Deens. meJe& meYeemeo/ie´enkeÀebvee DeeJeenve keÀjC³eele ³esles keÀer, DeeHeu³ee Ye´ceCeOJeveer ke´ÀceebkeÀele yeo} Peeu³eeme
l³ee®eer lJejerle veeWo yeBkesÀ®³ee oHeÌlejer keÀjC³eele ³eeJeer pesCeskeÀjÀve Keel³eeleer} J³eJeneje®eer ceeefnleer efceUCes µeke̳e nesF&}.
• mJeleb$e keÀpe& Dee%eeHe´Ceeueer ë
yeBkesÀves keÀpe& IesCeeN³ee meYeemeobemeeþer l³ebe®es keÀpee&®es Depe& mebieCekeÀ Dee%eeHe´CeeueerJoejs mebieCekeÀeceeHe&ÀleYejÀve osC³ee®eer megefJeOee GHeueyOe keÀjÀve efoueer
Deens. p³eeÜejs meYeemeoeuee l³ebe®³ee keÀpe& Depee&yeeyele®eer ceeefnleer íeHeerue mJejÀHeele He´eHle nesles. meoj megefJeOes®ee ueeYe meJe& meYeemeobevee nesle Deens.
efJeMes<eleë DeefMeef#ele meYeemeoebvee peemle ueeYe nesle Deens. lemes®e ³ee Dee%eeHe´CeeueercegUs keÀpe& Depee¥®eer íeveveer peueoieleerves nesC³eeme ceole nesle Demetve
l³ee®ee ueeYe meYeemeobeme nesle Deens. meoj megefJeOescegUs meYeemeoeme keÀpe& efceUCesyeeyele®eer ceeefnleerner peueoieleerves osCes Meke̳e Peeues Deens.
• J³eefkeÌleiele veeJee®es OeveeosMe megefJeOee ë
ie´enkeÀebvee J³eefkeÌleiele/Keel³ee®es vebeJe Demeuesues OeveeosMe HegefmlekeÀe (Personalised Cheque Book) keWÀêer³e HeOoleerves osC³ee®eer megefJeOee GHe}yOe Deens.
• MPLS Link / Airtel Link :
meYeemeoebvee pe}oieleerves Je DeKeb[erle mesJee osC³eemeeþer yeBkesÀves Sce.ìer.Sve.Sue. ³ee mebmLes®eer mesJee yeouetve ces.Yeejleer SDejìs} ³eeb®³eekeÀ[tve Sme.[er.
Je@ve ìskeÌvee@}e@peer DeeOeejerle He´e³ecejer Je ye@keÀDeHe ef}bkeÀ Iesle}s}er Demetve µeeKee mlejeJej meoj ef}bkeÀ mLeeefHele keÀsueer Deens. lemes®e yeBkesÀves mJele뮳ee
efuebkeÀJoejs mJeleb$e keÀpe& Dee%eeHe´Ceeueer mLeeefHele kesÀueer Deens. DeemLeeHevee efJeYeeieekeÀjerlee DeeJeM³ekeÀ Dee%eeHe´Ceeueer, mJeleë®es F&-cesue meesu³egMeve megefJeOee
megjÀ keÀjC³eele Deeueer Deens. ie´enkeÀebvee efJevebleer Deens keÀer, l³eebveer l³eeb®es F&-cesue Dee³e.[er. MeeKesceO³es peeTve Keel³eeceO³es veeWoJeeJesle pesCeskeÀjÀve
Keel³eeefJe<e³eer meJe& ceeefnleer, leke´Àej efveJeejCe Fl³eeoer yeBkesÀuee peueo Je megueYeefjl³ee Heesnes®eefJeCes Meke̳e nesF&ue Je ie´enkeÀeb®ee Decetu³e JesU Jee®esue.
DeeOegefvekeÀ leb$e%eeveemen DeÐe³eeJele mesJee osC³eeme yeBkeÀ He´³elveµeer} Deens.
• yeBkesÀ®eer JesyemeeF&ì ë-
yeBkesÀves mJeleë®eer www.municipalbankmumbai.com ner JesyemeeF&ì DeekeÀ<e&keÀ Je Del³eeOegefvekeÀ mJejÀHeele DeÐe³eeJele kesÀ}er Demetve
meoj JesyemeeF&ìJej keÀpe& efve³ece, keÀpeeb&®es Je þsJeeR®es J³eepe oj, meb®ee}keÀ ceb[U, mJeemL³e efveOeer efve³ece, yeBkesÀ®eer DeeefLe&keÀ efmLeleer, yeBkesÀceO³es
nesCeejs yeoue, efveefJeoe met®evee, keÀce&®eejer/DeefOekeÀejer Yejleer He´efke´À³eeb®ee leHeµeer} Fl³eeoer ceeefnleer meYeemeoebmeeþer GHe}yOe keÀjÀve efo}er Deens.
lemes®e Sve.Heer.meer.Dee³e. ceeHe&Àle jÀHes keÀe[e&Jej efJeefJeOe He´keÀej®³ee megefJeOee efou³ee peeleele. l³ee meboYee&®eer ceeefnleer osKeer} JesyemeeF&ìJej
GHe}yOe keÀjÀve osC³eele Dee}er Deens. lejer meYeemeoebveer peemleerle peemle jÀHes keÀe[&®ee JeeHej keÀjÀve meoj Dee@HeÀme&®ee }eYe I³eeJee. meO³ee veefJeve ie´enkeÀ
leke´Àej efveJeejCe megefJeOee yeBkesÀves JesyemeeF&ìJej GHeueyOe keÀjÀve efoueer Deens p³eeÜejs ie´enkeÀ DeeHeueer leke´Àej leelkeÀeU yeBkesÀkeÀ[s veeWo keÀjÀ MekeÀleele.
• KIOSK ceefMeve®eer mLeeHevee ë-
yeBkesÀleer} ye®ele Keelesoejebmeeþer yeejkeÀes[ DeeOeejerle HeemeyegkeÀ efkeÀDee@mkeÀ ceefµeve®eer megefJeOee keÀe³ee&eqvJele keÀjC³eele Dee}er Deens. meoj megefJeOesDebleie&le
yeb@kesÀleer} cegK³e keÀe³ee&}³e µeeKee, meer.Sme.ìer., veevee®eewkeÀ, Yee³eKeUe, HejU, yeebêe, IeeìkeÀesHej, ceg}tb[, osJeveej, peer/meeTLe, DebOesjer (Heeqµ®ece),

3
 mee³eve, keÀebefoJe}er, yeesjerJe}er, peer/vee@Le&, ®eWyetj Deµee He´cegKe 16 µeeKeebceO³es yeejkeÀes[ efkeÀDee@mkeÀ ceefµeve®eer mLeeHevee keÀjC³eele Dee}er Demetve meoj
megefJeOesDebleie&le yeejkeÀes[ ns Keeles ke´ÀceebkeÀeµeer meb}ive kesÀu³eeveblej meoj HeemeyegkeÀ Keelesoejebme Lesì ceefµeveJej mJeleë DeÐe³eeJele keÀjC³eele ³esle Deens.
lejer meJe& meYeemeoebveer yeejkeÀes[ Deme}s}er HeemeyegkesÀ yeBkesÀ®³ee veefpekeÀ®³ee µeeKesle peeTve DeÐe³eeJele keÀjÀve I³eeJeerle.
(1.3) Central Know Your Customer (C-KYC) - yeBkesÀves efjPeJn& yeBkesÀ®³ee efveoxµeevegmeej meer-kesÀJee³emeer Dee%eeHe´Cee}er DeÐe³eeJele kesÀ}er Deens p³eeÜejs
veJeerve meYeemeoeb®es Keeles GIe[leevee l³eebveer meeoj kesÀ}s}s kesÀ.Jee³e.meer. DeesUKeHe$eeb®eer ceeefnleer Lesì meer-kesÀJee³emeer Dee%eeHe´Cee}erÜejs Yeejleer³e efjPeJn& yeBkesÀ®³ee
CERSAI Heesì&}Jej }es[ keÀjC³eele ³esles Je leer DeefOeke=Àle Peeu³eeveblej ³egefvekeÀ meer-kesÀJee³emeer ke´ÀceebkeÀ yeBkesÀme He´eHle neslees. meoj megefJeOee yeBkesÀves keÀe³ee&efvJele kesÀueer Deens.
(1.4) [e@jceWì DekeÀeTbì DeeefCe Fve-Dee@HejsefìJn DekeÀeTbì - ye®ele Keel³eele SkeÀ Je<e& keÀesCel³eener He´keÀej®es ie´enkeÀHe´sjerle (Customer Induced)
J³eJenej ve kesÀu³eeme meoj Keeles [e@jceWì nesles. lemes®e 2 Je<ex efkebÀJee l³eeHes#ee DeefOekeÀ keÀe}eJeOeermeeþer ie´enkeÀHe´sjerle (Customer Induced) J³eJenej ve
kesÀu³eeme Keeles Fve-Dee@HejsefìJn nesles. Deµeer Keeleer HetJe&Jele keÀjC³eemeeþer meYeemeoeme l³ee®es Keeles Deme}su³ee µeeKesle peeTve kesÀ.Jee³e.meer. ®eer Hetle&lee keÀjCes
DeeJeµ³ekeÀ Deens Je keÀener jkeÀces®es J³eJenej mJeleë meYeemeoeves kesÀu³eeveblej®e meoj Keeles ns HetJe&Jele nesles. lejer GHejeskeÌle iewjmees³e ìeUC³eemeeþer meYeemeoebveer
JesUesJesUer ye®ele Keel³eele [syeerì J³eJenej keÀjeJesle.
(1.5) meeceeefpekeÀ peyeeyeoejer - µeeKesleer} JeeHejele vemeuesues pegves mebieCekeÀ Je mebieCekesÀlej meecegie´er ³eeb®es ³eesi³e He´keÀejs efJeunsJeeì ueeJeC³eekeÀjerlee
mebieCekeÀ meecegie´er He³ee&JejCee®ee -neme ve keÀjlee ³eesi³eHe´keÀejs ve<ì keÀjC³eekeÀjerlee ceneje<ì^ He´ot<eCe efve³eb$eCe ceb[U ceev³eleeHe´eHle mebmLes}e meoj mebieCekeÀ
meecegie´er efJekeÀC³eele Deeu³ee. ³eekeÀjerlee meoj mebmLesves yeBkesÀ}e He³ee&JejCe mebleg}vee®es He´ceeCeHe$e He´oeve kesÀ}s Deens. Deµee He´keÀejs yeBkesÀves veeogjÀmle mebieCekeÀ
meecegie´er ³eeb®eer ³eesi³e efJeunsJeeì keÀjÀve He³ee&JejCe mebleg}ve jeKeC³eemeeþer meeceeefpekeÀ peyeeyeoejer Heej Hee[}er.
(1.6) National Payment Corporation of India (NPCI) – Sve.Heer.meer.Dee³e. Üejs Yeejleele Debce}ele Deme}su³ee Je YeefJe<³eele ³esCeeN³ee
efJeefJeOe He´keÀej®³ee DeefOeoeve HeOoleerle megmet$elee DeeCeC³ee®³ee nsletves Sve.Heer.meer.Dee³e. ®eer mLeeHevee Pee}er Demetve, Yeejleeleer} meJe& yeBkeÀebveer l³eeb®es meYeemeolJe
eqmJekeÀej}s Demetve DeeHeu³ee yeBkesÀves osKeer} Sve.Heer.meer.Dee³e.®es Lesì meYeemeolJe eqmJekeÀej}s Deens. Sve.Heer.meer.Dee³e.Üejs jeyeefJeC³eele ³esCee-³ee efJeefJeOe
mesJee-megefJeOee yeBkeÀ meYeemeo/ie´enkeÀebHe³e¥le Heesnes®eefJele Deens.
(1.7) S.ìer.Sce. mesJee jÀHes keÀe[&µeer meb}eqivele - DeeHe}er yeBkeÀ jÀHes keÀe[&®eer meYeemeo Demeu³eecegUs yeN³ee®e meYeemeoebvee ³ee®ee HeÀe³eoe Pee}e Deens.
SìerSce J³eJenejeme He´eslmeenve osC³eemeeþer yeBkesÀves Keelesoejebvee 24 leeme jesKe jkeÌkeÀce keÀe{C³ee®eer mesJee osC³eemeeþer yeBkesÀ®³ee ceguegb[, mee³eve, Yee³eKeUe,
Jeebêe, HejU, yeesjerJeueer, vee³ej ne@efmHeìue, ®eWyetj ³ee Deeþ MeeKeebceO³es lemes®e JejUer FbefpeefveDejeRie nye Je keÀeHetjyeeJe[er, þeCes ³esLes yeBkesÀ®eer S.ìer.Sced.
mLeeefHele kesÀuesueer Deensle. meoj megefJeOesDebleie&le ie´enkeÀ S.ìer.Sce. Jej jÀHe³es 25000/- He³eb&le J³eJenej keÀjÀ MekeÀleele. l³eecegUs yeBkesÀ®ee ie´enkeÀ
Yeejleeleerue Sved.Heer.meer.Dee³ed.Meer (jÀHes) mebueive Demeuesu³ee megceejs 2.32 }eKe S.ìer.Sced.Üejs J³eJenej keÀ© MekeÀleerue. yeBkeÀ keÀe@vì@keÌìuesme keÀe[&
ie´enkeÀebmeeþer GHeueyOe keÀjÀve osCeej Deens Je l³eekeÀjerlee He´efke´À³ee megjÀ Deens. DenJeeue Je<ee&le kesÀF&Sce ©iCeeue³e, IeeìkeÀesHej ³ee[&, ceneHeeefuekeÀe Sce (HetJe&)
DeeefCe yeer efJeYeeie keÀe³ee&ue³e DeeJeejele SìerSce keWÀês mLeeefHele keÀjC³ee®es efveefM®ele keÀjC³eele Deeues Demetve meoj efJeYeeieer³e keÀe³ee&ue³eele peeiee GHeueyOe keÀªve
osC³eekeÀjerlee HeeþHegjeJee megª Deens.
• yeBkesÀves ie´enkeÀebmeeþer Sved.Heer.meer.Dee³ed.®eer E-Commerce megefJeOee meg© kesÀueer Demetve meoj megefJeOesDebleie&le yeBkesÀleerue ie´enkeÀ l³eeb®es Ye´ceCeOJeveer/
ìsefueHeÀesve, ie@me, Jeerpe os³ekesÀ YejCes Fl³eeoer lemes®e Flej Dee@veueeF&ve J³eJenej keÀ© MekeÀleele. meoj J³eJenejeceO³es ³eeJe<eea ue#eCeer³e Jee{ Peeueer Deens.
• Hee@me megefJeOee (Point of Sale) - DeeHeu³ee ie´enkeÀeuee [syeerì keÀe[&Üejs Yeejleeleerue keÀesCel³eener DeemLeeHevesceOetve jesKeefJejnerle J³eJenej keÀjCes
Meke̳e JneJes cnCetve Sve.Heer.meer.Dee³e. ®³ee menkeÀe³ee&ves yeBkesÀves Hee@me megefJeOee ie´enkeÀebvee GHeueyOe kesÀuesueer Deens. DeeHeuee ie´enkeÀ [syeerì keÀe[&Üejs
Yeejleele keÀesþsner DeemLeeHeveeceO³es (Hesì^esue HebHeemenerle) 27,40,671 ìefce&veumeÜejs jesKeefJejnerle J³eJenej keÀjÀ MekeÀleele. Hee@me DeeefCe F&-keÀe@ce
SkeÀef$eleHeCes 50,000 He³eb&le J³eJenej keÀjlee ³eslees.
(1.8) yeBkesÀÜeje HegjefJeC³eele ³esCee-³ee DeefOeoeveemeboYee&leerue (Payment System) efJeefJeOe megefJeOee -
• Cheque Truncation System (C.T.S) - Yeejleer³e efjPeJn& yeBkesÀves meer.ìer.Sme. 2010 ³ee He´Cee}erDebleie&le yeBkesÀ®³ee ie´enkeÀebkeÀ[tve pes
Oeveeosµe (Cheques) meceeµeesOeveemeeþer (Clearing) efjPeJn& yeBkesÀle HeeþefJeu³ee peeleele l³eeSsJepeer Oeveeosµee®eer He´efleke=Àleer (Image) mebieCekeÀ
Dee%eeHe´Cee}erÜejs HeeþefJe}er peeles Je He´l³e#e Oeveeosµe yeBkesÀkeÀ[s®e jenleele Je ceeveJeer nmle#esHe ye-³ee®e He´ceeCeele keÀceer Peeu³eeves meceeµeesOeve pe}o
ieleerves nesles. l³eevegmeej yeBkesÀves ie´enkeÀebmeeþer meer.ìer.Sme. 2010 He´Cee}erÜejs Oeveeosµe ie´enkeÀebvee GHe}yOe keÀjÀve efo}s Deensle. Yeejleer³e efjPeJn& yeBkeÀ,
meJe& yeBkeÀebmeeþer veefJeve keÀe³e&He´Cee}er "Positive pay System for Cheque Transaction System" Debce}ele DeeCeueer Deens. meoj ³eespevee ner
jÀHe³es 50,000/- Hes#ee peemle jkeÀces®³ee Oeveeosµeemeeþer Deens. jÀHe³es 5,00,000/- Hes#ee keÀceer jkeÀces®³ee Oeveeosµee®eer ceeefnleer yeBkeÀebvee HegjefJeCes
ns ie´enkeÀebmeeþer Sseq®íkeÀ Demes}, Hejbleg jÀHe³es 5,00,000/- Je l³eeJejer} jkeÀcesmeeþer Oeveeosµee®ee leHeµeer} yeBkesÀme keÀUefJeCes DeefveJee³e& Deens.

4
• National Automated Clearing House (NACH) - yeBkesÀves meoj megefJeOee keÀe³ee&eqvJele kesÀ}er Demetve F&.meer.Sme. He´Cee}erHe´ceeCes l³eeb®eer
keÀe³e&µew}er Demetve l³eeDebleie&le ie´enkeÀebvee meO³ee ie@me meyeefme[er lemes®e Flej os³ekesÀ He´eHle nesleele. ie´enkeÀ GHejeskeÌle megefJeOesDebleie&le Flej efþkeÀeCeer
Deme}s}er keÀpe& jkeÌkeÀce, c³eg®³egDe} HebÀ[ iegbleJeCetkeÀ, Jeerpe Je Flej os³ekeÀ efve³eefceleHeCes HeeþJet µekeÀleele. lejer meojyeeyele®ee ce@ve[sì Depe& Yejleevee
Keelesoejebveer DeeHe}s Keeles ke´ÀceebkeÀ, veebJe Je yeBkesÀ®ee leHeµeer} J³eJeeqmLele YejC³ee®eer keÀeUpeer I³eeJeer. lemes®e Sve.Heer.meer.Dee³e. ³ee mebmLesves Deelee
NACH ³ee keÀe³e&He´Cee}erceO³es H2H (Host to Host) ³ee keÀe³e&He´Cee}er®ee DeJe}bye kesÀu³eecegUs ceeveJeer nmle#esHe HetCe&leë yebo Pee}e Deens. H2H
keÀe³e&He´Cee}ercegUs ceesþ³ee He´ceeCeele J³eJenejeb®eer DeKeb[erle Hegle&lee keÀjCes µeke̳e Pee}s Deens.
• NEFT DeeefCe RTGS (24 X 7) – yeBkesÀves Yeejleer³e efjPeJn& yeBkesÀ®³ee Deeosµeevegmeej Deej.ìer.peer.Sme., Sve.F&.SHeÀ.ìer. ®eer megefJeOee Keelesoejebvee
24 X 7 DeeefCe 365 efoJeme Denesje$e GHe}yOe keÀjÀve efo}s}er Deens. meoj megefJeOesJej keÀesCel³eener He´keÀej®es µegukeÀ DeekeÀejC³eele ³esle veener.
Yeejleer³e efjPeJn& yeBkesÀ®³ee FHeÌìeme ¿ee mebmLes®³ee keÌ}eT[ mesìDeHeJej mLe}eblejerle kesÀ}s}s Deens Je l³ee®ee HeÀe³eoe yeBkesÀ}e / ie´enkeÀebvee nesle Deens.
• ceesyeeF&ue yeBkeÀeRie/Dee³e.Sce.Heer.Sme. (IMPS) megefJeOee ë-
yeBkesÀle ceesyeeF&} yeBkeÀeRie megefJeOee keÀe³ee&eqvJele Demetve meoj megefJeOesDebleie&le yeBkesÀ®³ee Keelesoejeuee yeBkesÀ®³ee ceesyeeF&} De@HeÜejs mJele뮳ee Keel³eeJejerue
jkeÌkeÀce DeeHeu³ee yeBkesÀ®³ee lemes®e Dev³e yeBkesÀ®³ee ogme-³ee Keelesoeje®³ee Keel³eele Sve.F&.SHeÀ.ìer./Dee³e.Sce.Heer.Sme. Üejs ì^evmeHeÀj keÀjlee ³esles.
³ee®eyejesyej Flej yeBkesÀleerue ie´enkeÀ DeeHeu³ee yeBkesÀleerue ie´enkeÀeb®³ee veebJes jkeÌkeÀce Lesì ì^evmeHeÀj keÀ© MekeÀleele. lemes®e Flej os³ekesÀ megOoe Yejlee
³esleele. GHejeskeÌle megefJeOesÜejs yeBkesÀ®³ee Keelesoejevee DeeHeu³ee Keel³eeJejerue efMeuuekeÀ jkeÀces®eer ceeefnleer Heenlee ³esles. ceeieer} 6 ceefnv³eebHe³e¥le®ee
Keel³ee®ee leHeµeer} megOoe ceesyeeF&} yeBkeÀeRieÜejs GHe}yOe neslees. Yeejleer³e efjPeJn& yeBkesÀ®³ee ceeie&oµe&keÀ lelJeevegmeej Keelesoejebvee l³eeb®es S.ìer.Sce. keÀe[&,
ceesyeeF&} De@HeÜejs y}e@keÀ keÀjC³ee®eer lemes®e S.ìer.Sce. keÀe[&, F&-ke@Àece Je Hee@me megefJeOee JeeHejele vemeleevee leelHegjl³ee mJejÀHeemeeþer yebo (Disabled)
keÀjC³ee®eer megefJeOee GHe}yOe keÀjÀve efoueer Deens.
lemes®e ceesyeeF&ue De@efHuekesÀMeve De@He veefJeve megefJeOeebmen DeÐe³eeJele keÀjC³eele Deeuee Deens. Yeejleer³e efjPeJn& yeBkesÀ®³ee ceeie&oMe&keÀ lelJeevegmeej, meoj
DeÐe³eeJele De@efHuekesÀMeveceO³es keÀe[& kebÀì^esue cespeme&®ee DebleYee&Je keÀjC³eele Deeuesuee Deens pesCeskeÀjÀve mJeleë ³egpej ceesyeeF&ue yeBkeÀeRie De@efHuekesÀMeveÜejs
mJele뮳ee S.ìer.Sce./F&-keÀe@ce/Hee@me J³eJeneje®eer ce³ee&osceO³es yeoue keÀjÀ MekesÀue. lemes®e mee³eyej DeHeÀjeleHeÀj nesT ve³es, ³ee®eer o#elee cnCetve
JeeHejele vemeuesueer megefJeOee ie´enkeÀ mJeleë yebo keÀjÀ MekeÀleerue.
• Unified Payment Interface (UPI) :- yeBkesÀle Sve.Heer.meer.Dee³e. ®eer ³eg.Heer.Dee³e. mesJee yeBkesÀ®³ee ie´enkeÀebmeeþer keÀe³ee&eqvJele kesÀ}er Demetve
meoj mesJesDebleie&le yeepeejele GHe}yOe Deme}su³ee iegie}-Hes, HeÀesve-Hes, HesìerSce Fl³eeoer ³eemeejK³ee De@HeJej DeeHeu³ee ye®ele Keel³eeJejer} veeWoCeerke=Àle
ceesyeeF&} vebyejJejÀve DeeHe}s ye®ele Keeles meoj De@Heµeer meb}ive keÀjÀ µekeÀleele Je keÀesCeleener J³eJenej keÀjÀ µekeÀleele. Sve.Heer.meer.Dee³e. ®³ee
ceeie&oMe&keÀ lelJeevegmeej yeBkeÀ meO³ee ³eg.Heer.Dee³e. Dee%eeHe´CeeueerceO³es UDIR (Unified Dispute and Issue Resolution) meceeJesMe keÀjerle Deens
pesCeskeÀjÀve ie´enkeÀe®es De³eMemJeer J³eJeneje®eer leke´Àej lJejerle veeWoJetve l³eeyeeyele®eer efmLeleer ie´enkeÀeuee DeJeiele nesT MekeÀlees. Hejbleg Deµee He´keÀej®es
J³eJenej keÀjleevee ie´enkeÀebveer ³eesi³e leer keÀeUpeer I³eeJeer. Goe. DeeHe}er yeBkeÀ keÀOeerner otjOJeveer keÀjÀve DeeHeCeebme DeeHeu³ee OTP, Card Expiry
date, Card No. ®eer efJe®eejCee keÀjerle veener. lejer Deµee He´keÀej®eer ceeefnleer keÀesCee}ener osT ve³es. De%eele Je mebµe³eemHeo Sme.Sce.Sme. efkebÀJee
ef}bkeÀJej efkeÌ}keÀ keÀjÀ ve³es DeeefCe meJee&le cenlJee®es UPI Pin keÀesCee}ener osT ve³es. n³ee meJe& yeeyeeR®es keÀeìskeÀesjHeCes Hee}ve kesÀ}s lej nesCeejer
HeÀmeJesefiejer DeeHeCe ìeUt µekeÀe}. keÀesCel³eener He´keÀej®es ef[efpeì} J³eJenej keÀjleevee ie´enkeÀebveer vesnceer meleke&À Je peeiejÀkeÀ jneJes.
(1.9) meer.yeer.Sme. ë- yeBkesÀves ie´enkeÀebvee DeefOekeÀ ®eebieueer Je DeÐe³eeJele mesJee osC³ee®³ee GÎsMeeves veefJeve uee³emesvme DeeOeejerle meer.yeer.Sme.
Dee%eeHe´CeeueerJej mLeueeblejerle nesC³eekeÀjerlee kebÀ$eeìoej efveefM®ele kesÀuee Demetve GHejeskeÌle meboYee&leerue He´efke´À³ee megjÀ Deens. lemes®e uee³emesvme DeeOeejerle meer.yeer.
Sme. Jej mLeueeblejerle nesC³ee®³ee Deveg<ebieeves DeeJeM³ekeÀ Demeuesueer [sìe meWìj/[sìe efjkeÀJnjer mesJee osKeerue IesC³eekeÀjerlee kebÀ$eeìoej efveefM®ele kesÀuee Demetve
leer He´efke´À³ee osKeerue megjÀ Deens Je ueJekeÀj®e yeBkeÀ veefJeve meer.yeer.Sme. mesJee meJe& meYeemeo Je ie´enkeÀebmeeþer GHeueyOe keÀjÀve osC³eekeÀjerlee He´³elveMeerue Deens.
• efcem[ keÀe@} De}ì& megefJeOee ë- yeBkesÀves DeeHeu³ee ie´enkeÀebmeeþer efcem[ keÀe@} De}ì& mesJee megjÀ kesÀ}er Demetve meoj megefJeOesDebleie&le yeBkesÀ®es Keelesoej
DeeHeu³ee ye®ele Keel³eeJejer} veeWoCeerke=Àle ceesyeeF&}JejÀve 8505888828 ³ee ke´ÀceebkeÀeme efcem[ keÀe@} efou³eeme lJejerle l³eebvee DeeHeu³ee ye®ele
Keel³eeJejer} efµeu}keÀ jkeÌkeÀce Sme.Sce.Sme. ®³ee ceeO³eceeletve keÀUt µekesÀ}.
• mee³eyej Fvµegjvme ë- efjPeJn& yeBkesÀ®³ee efveoxµeevegmeej yeBkesÀves mJeleë®eer mee³eyej efmeke̳egefjìer Hee@ef}meer le³eej kesÀ}er Demetve mee³eyej nuu³eeHeemetve GodYeJeCeeN³ee
Oeeske̳eeHeemetve megjef#eleles®³ee ¢<ìerkeÀesveeletve GHee³e³eespevee cnCetve yeBkesÀves jÀHe³es 11 keÀesìer jkeÀces®eer mee³eyej efJecee Hee@ef}meer osKeer} Iesle}s}er Deens.
• S.ìer.Sce. keÀe[& Fvµegjvme ë- S.ìer.Sce keÀe[&®ee iewjJeeHej keÀjÀve nesCeeN³ee iewjJ³eJenejeHeemetve nesCeeN³ee DeeefLe&keÀ vegkeÀmeevee®eer YejHeeF& JneJeer,
³eeDeveg<ebieeves yeBkesÀves Keyejoejer®ee GHee³e cnCetve S.ìer.Sce.-keÀce-[syeerì keÀe[e&meeþer efJecee Hee@ef}meer Iesle}s}er Deens.

5
 • S.ìer.Sce. iewjJ³eJenej/³eg.Heer.Dee³e.leke´Àej efveJeejCe ë- ie´enkeÀeb®³ee S.ìer.Sce. keÀe[&Üejs nesCee-³ee iewjJ³eJenej He´keÀjCeebyeeyele Yeejleer³e efjPeJn&
yeBkesÀ®³ee ceeie&oµe&keÀ lelJeevegmeej Je yeBkesÀ®³ee ie´enkeÀ efveJeejCe OeesjCeeDebleie&le iewjJ³eJenej leke´Àej efveJeejCeemebyebOeerle keÀe³e&HeOoleer yeBkesÀle jeyeefJeC³eele
³esle Deens Je Keelesoejeves iewjJ³eJenej Peeu³eeHeemetve 3 efoJemeeb®³ee Deele leke´Àej yeBkesÀkeÀ[s veeWoefJeu³eeme mebHetCe& jkeÌkeÀce Deoe keÀjC³ee®eer
yeBkesÀ®eer peyeeyeoejer jenles. Keelesoejeves pej leke´Àej 4 les 7 efoJemeeble yeBkesÀkeÀ[s veeWoefJeu³eeme, J³eJenej jkeÌkeÀce jÀHe³es 10,000/-
Hes#ee peemle Demeu³eeme GJe&efjle jkeÌkeÀce yeBkeÀ Deoe keÀjs} Je jÀHe³es 10,000/- He³e¥le jkeÀces®eer peyeeyeoejer Keelesoeje®eer jener}.
Keelesoejeves 7 efoJemeeveblej leke´Àej veeWoefJeu³eeme, DeveefOeke=Àle J³eJeneje®eer jkeÌkeÀce jÀHe³es 20,000/- He³e¥le Demeu³eeme l³eeHewkeÀer jÀHe³es
10,000/- He³e¥le jkeÌkeÀce ner ie´enkeÀe®eer peyeeyeoejer jener} Je jÀHe³es 10,000/- Jejer} jkeÌkeÀce yeBkeÀ Deoe keÀjs}. l³ee®eHe´ceeCes
DeveefOeke=Àle J³eJeneje®eer jkeÌkeÀce ner jÀHe³es 20,000/- Hes#ee peemle Demeu³eeme l³eeHewkeÀer 50 ìkeÌkesÀ jkeÌkeÀce ye@bkeÀ Deoe keÀjs}.
(1.10) HebleHe´Oeeve megj#ee efJecee ³eespevee/HebleHe´Oeeve peerJeve p³eesleer efJecee ³eespevee ë
p³ee meYeemeo/þsJeeroejebveer meoj ³eespeves®ee ueeYe Iesleuee Demesue l³ee meYeemeoebveer/þsJeeroejebveer He´efleJe<e& efJecee nHlee jkeÀces®es vegleveerkeÀjCe keÀjeJes DeMeer
efJevebleer keÀjC³eele ³esle Deens. lemes®e p³ee meYeemeoebveer/þsJeeroejebveer meoj megefJeOee Iesle}er Deens l³eebveer He´efleJe<eea ces ceefnv³ee®³ee DeKesj®³ee DeeþJe[³eele efJecee
nHeÌl³eeSJe{er efµeu}keÀ Keel³eele þsJeeJeer.
(1.11) yeBkesÀ®³ee cegK³e keÀe³ee&ue³ee®eer mebj®evee ogjÀmleer Je keÀener µeeKeeb®es vegleveerkeÀjCe ë
DenJeeue Je<ee&le yeBkesÀ®³ee peer/meeTLe, ceguegb[ DeeefCe Yeeb[gHe MeeKeeb®es vegleveerkeÀjCe keÀjC³ee®es efveefM®ele keÀjC³eele Deeues Demetve l³ee®eer He´efke´À³ee meggª keÀjC³eele
Deeueer Deens. yeBkesÀ®³ee cegK³e keÀe³ee&ue³e Fceejleer®³ee mebj®evee ogªmleer®³ee keÀecee®eer efveefJeoe He´efke´À³ee HetCe& Peeueer Demetve ueJekeÀj®e ogªmleer keÀeceeme megªJeele
nesle Deens. DebOesjer (HeefM®ece) MeeKes®³ee vegleveerkeÀjCee®es keÀece Debeflece ìHH³eele Demetve, efiejieebJe ³esLeerue peeiesle [eie[gpeer/vegleveerkeÀjCee®es keÀece megª Deens.
G®®e v³ee³eeue³ee®³ee efye´pe Hee@efuemeer®³ee Deveg<ebieeves ceneHeeefuekeÀe efHe´vmesme mì^erì HegueeKeeueerue yeBkesÀ®³ee cejerve ueeFvme MeeKee keÀe³ee&ue³ee®eer peeiee efve<keÀeef<ele
keÀjC³eele Deeueer Demetve He³ee&³eer peeieskeÀjerlee He´³elve megª Deensle. meO³ee meoj MeeKee leelHegjl³ee mJeªHeele ceneHeeefuekeÀe cegK³eeue³eeleerue yeBkesÀ®³ee meerSmeìer
MeeKesle keÀe³e&jle Deens.
(1.12) ceneHeeef}keÀe keÀce&®eeN³eeb®³ee ceeefmekeÀ Jesleve/Hesvµeve efJelejCee®es keÀece ë
ceneHeeef}keÀe lemes®e Devegoeefvele Keepeieer He´eLeefcekeÀ MeeUeb®³ee keÀce&®eeN³eeb®es ceeefmekeÀ Jesleve lemes®e ceneHeeef}kesÀ®³ee efveJe=lleer JesleveOeejkeÀeb®es Hesvµeve JeeìHe
ye®ele Keel³eeÜejs keÀjC³eele ³esle Deens. meeOeejCeHeCes 50,000 keÀce&®eeN³eeb®es ceeefmekeÀ Jesleve efJelejCee®es/Hesvµeve megefJeOes®es keÀece yeBkesÀleHexÀ kesÀ}s peeles. meoj
Jesleve/Hesvµeve JeeìHe ceneHeeef}kesÀkeÀ[tve keÀesCelesner µegukeÀ ve Ieslee kesÀ}s peeles. yeBkesÀ®³ee meJe& µeeKee keÀe³ee&}³eebceO³es keÀesDej yeBkeÀeRie megefJeOee GHe}yOe Demeu³eeves
Jesleve/Hesvµeve JeeìHee®es keÀece meg}YeHeCes nesle Demetve meYeemeo/ie´enkeÀ keÀesCel³eener µeeKesletve ye®ele Keel³eeceeHe&Àle DeeHeu³ee ceeefmekeÀ Jesleve/Hesvµeve®es Hewmes keÀe{t
µekeÀleele Je S.ìer.Sce. mesJee meJe& yeBkeÀebMeer mebueive Demeu³eecegUs meYeemeoebvee jesKe J³eJenej keÀjCes DeeCeKeer megueYe Peeues Deens Je IejepeJeUerue keÀesCel³eener
yeBkeÀeb®³ee S.ìer.Sce. ceOetve Hewmes keÀe{Ces Meke̳e Peeues Deens. DeeHeu³ee p³ee meYeemeoeb®eer Jeslevee®eer ye®ele Keeleer Dev³e yeBkesÀle Deensle l³ee meJe& meYeemeoebvee
Deecner efJevece´ DeeJeenve keÀjlees keÀer, l³eebveer DeeHeues Jeslevee®es ye®ele Keeles lemes®e mesJeeefveJe=lleer veblej Hesvµeve Keeles DeeHeu³ee yeBkesÀle GIe[eJes Je S.ìer.Sce.
keÀe[&Üejs DeeHeu³ee IejepeJeUerue keÀesCel³eener S.ìer.Sce. ceOetve Je ceesyeeF&} yeBkeÀeRie De@HeÜejs peesKeercejnerle J³eJenej keÀjeJesle.
2. DenJee} Je<ee&leer} yeBkesÀ®³ee J³eJeneje®eer He´ieleer ë-
efoveebkeÀ 31 cee®e& 2023 ®³ee leeUsyeboe®ee iees<eJeeje
(jÀHe³es keÀesìerle)
leHeµeer} 31.3.2022 31.3.2023 leHeµeer} 31.3.2022 31.3.2023
Yeeie Yeeb[Je} 147.65 143.51 jeskeÀ[, Flej yeBkeÀeleer} pecee 226.35 224.40
jeKeerJe efveOeer Je Flej efveOeer 557.29 644.86 keÀpe&jesK³eele Je Flej iegbleJeCetkeÀ 1802.13 1766.14
þsJeer 3763.98 3828.67 keÀpex 2652.83 2869.79
Flej osCeer DeeefCe lejleto 417.92 482.54 J³eepe ³esCes 27.65 30.22
(ogyesjpesmenerle)
ceeieer} Je<ee&®³ee peeoe 133.63 147.66 HeÀefve&®ej, Fceejle, mebieCekeÀ Je 4.27 3.55
lejletoermen veHeÀe Jeenve
-- ef[HeÀj ì@keÌme ³esCes 17.94 27.32
-- Flej ³esCeer (ogyesjpesmenerle) 289.30 325.81
SketÀCe ë 5020.47 5247.23 SketÀCe ë 5020.47 5247.23
6
3. þsJeeR®eer Jeie&Jeejer ë-
(jÀHe³es keÀesìerle)
31 cee®e& 2022 31 cee®e& 2023
De. þsJeeR®es He´keÀej meYeemeoebkeÀ[tve efyeiej SketÀCe meYeemeoebkeÀ[tve efyeiej SketÀCe
ke´À. meYeemeoebkeÀ[tve meYeemeoebkeÀ[tve
1. mekeÌleer®³ee þsJeer 1033.99 43.55 1077.54 1051.49 34.45 1085.94
2. cegoleer®³ee þsJeer 257.72 1470.94 1728.66 194.64 1553.98 1748.62
3. ye®ele þsJeer 569.33 374.84 944.17 251.23 727.80 979.03
4. DeeJele& þsJeer 5.00 5.26 10.26 5.90 5.58 11.48
5. ®ee}t þsJeer 0.00 3.35 3.35 0.00 3.60 3.60
SketÀCe 1866.04 1897.94 3763.98 1503.26 2325.41 3828.67
GHejeskeÌle lekeÌl³ee®es DeJe}eskeÀve keÀjlee efveoµe&veeme ³esles keÀer, DenJee} mee}eceO³es yeBkesÀ®³ee SketÀCe þsJeerceO³es jÀHe³es 64.69 keÀesìerves Jee{ Peeueer Deens.
He´ecegK³eeves DenJee} mee}er ye®ele þsJeerceO³es jÀHe³es 34.86 keÀesìer cnCepes®e 3.69 ìkeÌkesÀves Jee{ Pee}er Deens. yeBkesÀ®³ee þsJeeRJejer} J³eepe oj je<ì^er³eke=Àle
Je Keepeieer yeBkesÀ®³ee þsJeeroejebFlekeÀe Deens. ³eeJe<eea osKeerue yeBkesÀves mekeÌleer®³ee þsJeerJejerue J³eepe efoveebkeÀ 01.04.2023 jespeer meYeemeoeb®³ee yeBkesÀleerue
ye®ele Keel³eele pecee kesÀuesues Deens.
met®evee ë- pes meYeemeo mekeÌleer®³ee þsJeerJejerue J³eepe DeeHeu³ee mekeÌleer®³ee þsJe Keel³eele pecee keÀjÀ Fef®íleele, DeMee meYeemeoebveer yeBkesÀme He$e efou³eeme l³eeb®es
J³eepe mekeÌleer®³ee þsJe Keel³eele pecee keÀjC³eele ³esF&ue. p³eebveer meoj Keeles (De@keÌìerJn) keÀe³ee&efvJele kesÀues veener l³eebveer l³eeb®eer kesÀ.Jee³e.meer. keÀeieoHe$es meeoj
keÀjÀve meoj Keeles keÀe³ee&efvJele keÀjeJes pesCeskeÀjÀve ueeYeebMe jkeÌkeÀce DeefOeoeveeme keÀesCeleerner De[®eCe ³esCeej veener.
þsJeeR®es J³eepe oj ë-
yeBkesÀ®es meÐee®es efoveebkeÀ 15.05.2023 Heemetve þsJeerJejer} J³eepe oj Kee}er}He´ceeCes Deensle ë-
De.ke´À. þsJeeR®es He´keÀej keÀe}eJeOeer J³eepe oj
1. ye®ele Keeles 3.50… 3.50…
meJe&meeceev³e veeiejerkeÀ Jeefj<þ veeiejerkeÀ
2. cegole þsJeer 7 efoJeme les 90 efoJeme 4.25… 4.25…
91 efoJeme les 180 efoJeme 4.75… 4.75…
181 efoJeme les 1 Je<ee&He³eb&le 5.50… 5.50…
1 Je<ee&Hes#ee peemle les 2 Je<ee&He³e¥le 7.00… 7.50…
2 Je<ee&Hes#ee peemle les 3 Je<ee&He³e¥le 7.75… 8.25…
3 Je<ee&Hes#ee peemle les 5 Je<ee&He³e¥le 7.50… 8.00…
5 Je<ee&Hes#ee peemle les 10 Je<ee&He³e¥le 7.00… 7.50…
15 ceefnves (efJeMes<e þsJe ³eespevee) 7.50… 8.00…
18 ceefnves (efJeMes<e þsJe ³eespevee) 8.25… 8.75…
p³es<þ veeieefjkeÀebvee (60 Je<e& Je l³eeJejerue) cegole þsJeer SkeÀ Je<ee&Hes#ee DeefOekeÀ keÀe}eJeOeerkeÀjerlee þsJeu³eeme Deµee þsJeerbJej J³eepeojeHes#ee 0.50…
DeefOekeÀ J³eepe oj }eiet jeefn}.
jÀHe³es 1 keÀesìer Je l³eeJejerue SkeÀjkeÀceer cegole þsJeeRmeeþer (yeukeÀ ef[Hee@efPeì) 1 Je<e& Je l³eeJejerue keÀeueeJeOeermeeþer 0.25 … DeefleefjkeÌle J³eepe oj ueeiet
nesF&ue.
p³es<þ veeieefjkeÀebvee p³es<þ veeiejerkeÀ cnCetve SkeÀ Je<ee&Hes#ee DeefOekeÀ keÀeueeJeOeermeeþer 0.50… J³eepe oj osC³eele ³esle Demeu³eeves jÀHe³es 1 keÀesìer Je l³eeHes#ee
peemle SkeÀjkeÀceer þsJeerJejerue 0.25… DeefOekeÀ J³eepe efceUCeej veener.

7
 þsJeer efJecee nHlee ë-
yeBkesÀves ef[Hee@efPeì FvMegjvme De@C[ ke´sÀef[ì ie@jbìer keÀe@HeexjsMeve De@keÌì 1961 ®³ee lejlegoervegmeej meve 2022-2023 ³ee Je<ee&®eer þsJe efJecee nHl³ee®eer
jkeÌkeÀce efJeefnle cegoleerle keÀe@HeexjsMevekeÀ[s pecee kesÀueer Deens. Deposit Insurance and Credit Guarantee Corporation (DICGC) ®³ee veefJeve
yeo}eHe´ceeCes yeBkesÀleer} He´l³eskeÀ Keelesoejeme l³eeb®³ee þsJeerbJej efceUCeejs efJecee keÀJe®e ns jÀHe³es 5,00,000/- keÀjC³eele Dee}s}s Deens.
4. Yeeie Yeeb[Je} ë-
iesu³ee Je<eea jÀHe³es 147.65 keÀesìer Deme}s}s Yeeie Yeeb[Je} ³eeJe<eea jÀHe³es 143.51 keÀesìer FlekesÀ Pee}s Deens. Yeeie Yeeb[Je}eceO³es jÀHe³es 4.14
keÀesìerves Ieì Pee}s}er Deens.
5. jeKeerJe Je Flej efveOeer ë-
ielemee}er jÀHe³es 557.29 keÀesìer Deme}s}s yeBkesÀ®es jeKeerJe efveOeer ³ee Je<ee&le jÀHe³es 644.86 keÀesìer Demetve jeKeerJe efveOeerceO³es jÀHe³es 87.57 keÀesìerves
Jee{ Pee}s}er Deens. meoj Jee{ 15.71 ìkeÌkesÀ Deens.
6. keÀpe&J³eJenej ë-
ielemee}er jÀHe³es 2652.83 keÀesìer Deme}s}er keÀpex ³eeJe<eea jÀHe³es 2869.79 keÀesìerHe³e¥le Je=OoeRiele Pee}er Deensle. keÀpee&ceO³es SketÀCe jÀHe³es
216.96 keÀesìeR®eer Jee{ Peeueer Demetve meoj Jee{ 8.18 ìkeÌkesÀ Deens.
meO³ee®es efJeefJeOe keÀpee&Jejer} J³eepe oj Kee}err} He´ceeCes Deensle ë
keÀpee&®es J³eepe oj
De.ke´À. keÀpee&®ee He´keÀej J³eepe oj
1 leele[err®es keÀpe& 10.00 ìkeÌkesÀ
2. mekeÌleer®³ee ye®ele þsJeerJejer} keÀpe& 8.63 ìkeÌkesÀ
3. ceO³ece cegole keÀpe& 11.50 ìkeÌkesÀ
4. efJecee leejCeeJejer} keÀpe&/je<ì^er³e ye®ele He$eeJejer} keÀpe& 10.00 ìkeÌkesÀ
5. ie=nefvecee&Ce keÀpe& (efHeÀkeÌm[) 8.50 ìkeÌkesÀ
6. G®®e µew#eefCekeÀ keÀpe& 7.00 ìkeÌkesÀ
7. Jeenve keÀpe& 7.75 ìkeÌkesÀ
8. cee@iexpe keÀpe& 10.50 ìkeÌkesÀ
9. efJeµes<e cegole keÀpe& 11.50 ìkeÌkesÀ
10. ie=n keÀpe& ìe@He-DeHe 10.00 ìkeÌkesÀ
meYeemeoebvee cebpetj kesÀ}su³ee keÀpee&®ee leHeµeer}
(jÀHe³es keÀesìerle)
De. ke´À. keÀpee¥®es He´keÀej 2021-2022 2022-2023
cebpetj Pee}s}s Depe& keÀpe& jkeÌkeÀce jÀHe³es cebpetj Pee}s}s Depe& keÀpe& jkeÌkeÀce jÀHe³es
1. ceO³ece cegoleer®es keÀpe& 13594 1474.37 12173 1388.97
2. leele[er®es keÀpe& 10248 108.06 10507 99.84
3. ie=nefvecee&Ce keÀpe& 16 2.16 396 112.41
4. G®®e µew#eefCekeÀ keÀpe& 14 1.54 32 2.67
5. Jeenve keÀpe& 6 0.27 29 2.65
SketÀCe 23878 1586.40 23137 1606.54

8
(De) ceO³ece cegole keÀpe& ë-
DeeefLe&keÀ Je<e& 2021-2022 ceO³es ceO³ece cegole keÀpe& jÀHe³es 2533.33 keÀesìer nesles, l³eeceO³es DeeefLe&keÀ Je<e& 2022-2023 ceO³es jÀHe³es
113.27 keÀesìerves Jee{ nesTve ceO³ece cegole keÀpe& jÀHe³es 2646.60 keÀesìer FlekesÀ Pee}s Deens. DeeefLe&keÀ Je<e& 2022-2023 ceO³es SketÀCe
12173 meYeemeoebvee jÀHe³es 1388.97 keÀesìer FlekeÀer keÀpe& jkeÌkeÀce cebpetj keÀjC³eele Dee}er.
ceO³ece cegole keÀpee&®eer keÀcee} ce³ee&oe jÀHe³es 16.00 }eKe FlekeÀer Deens.
keÀpee&®ee efJeefve³eesie (End Use) ë-
Yeejleer³e efjPeJn& yeBkesÀ®³ee efoveebkeÀ 01.07.2014 ®³ee HeefjHe$ekeÀ ke´À.RBI/2014-2015/21 UBD.BPD (PCB) A/c.
ke´À.5/13.05.000/2014-2015 vegmeej cebpetj keÀpee&®ee efJeefve³eesie leHeemeCes iejpes®es Deens. p³ee keÀejCeemeeþer keÀpe& Iesleuesues Demesue l³ee
keÀejCeemeeþer meoj keÀpee&®ee efJeefve³eesie kesÀuee Demeu³eeyeeyele®eer keÀeieoHe$es yeBkesÀme meeoj keÀjCes DeeJeM³ekeÀ Deens. l³eeDeveg<ebieeves efoveebkeÀ 15.11.2021
jespeer®³ee meb®eeuekeÀ ceb[Ue®³ee meYesceO³es keÀpee&®³ee efJeefve³eesiee®³ee OeesjCeeme cebpetjer osC³eele Deeueer Deens. meJe& keÀpe&oej meYeemeoebvee efJevece´ DeeJeenve
keÀjC³eele ³esles keÀer, cebpetj keÀjC³eele Deeuesu³ee keÀpee&®³ee efJeefve³eesieeyeeyele®eer (End Use) keÀeieoHe$es mebyebOeerle MeeKesceO³es lJejerle pecee keÀjC³eele ³eeJeerle.
peeefcevekeÀer nceer efveOeer ë-
peeefcevekeÀer nceer efveOeer®eer ieCevee keÀjleevee leele[er®es keÀpe& Je mekeÌleer®³ee þsJeerJejer} keÀpee&J³eefleefjkeÌle meYeemeoe®³ee cebpetj kesÀ}su³ee keÀpee&ceOetve Deieesoj®es
efµeu}keÀ keÀpe& Jepee keÀjÀve GJe&efjle keÀpe& jkeÀcesJej oj npeejer jÀHe³es 5/- He´ceeCes Hejle ve efceUC³ee®³ee lelJeeJej peeefcevekeÀer nceer efveOeer Jemeg} keÀjC³eele
³eslees. cebpetj keÀpe& npeeje®³ee Heìerle HetCe& vemeu³eeme lejer Jejer}He´ceeCes peeefcevekeÀer nceer efveOeer Jemeg} kesÀ}e peelees.
jÀHe³es 2.00 ueeKeeHes#ee peemle les jÀHe³es 16 }eKeeHe³e¥le keÀpe& IesCeeN³ee meYeemeoebvee HejleHesÀ[er®ee keÀcee} keÀe}eJeOeer 144 ceefnv³eebJejÀve 160 ceefnves
keÀjC³eele Dee}e. ceO³ece cegole keÀpee&®eer ieCevee 1/4 He´ceeCes keÀjC³eele ³esles.
Jemegueer oeKeuee efceUeuesues Je keÀpex efveuexefKele kesÀuesues cee$e Deelee keÀle&J³eeJej efve³eefcele Pee}s Deensle Deµee meYeemeoebmeeþer ceO³ece cegole keÀpe& cebpetjer®eer
jkeÌkeÀce þjefJeleevee 1/4 He´ceeCes ieCevee keÀjC³eeSsJepeer 1/3 He´ceeCes ieCevee keÀjC³eele ³esles. p³ee [ermeer 1 meYeemeoe®eer ceneveiejHeeef}kesÀle 10 Je<ex efkebÀJee
l³eeHes#ee peemle mesJeekeÀeU HetCe& Pee}e Demes} Deµee meYeemeoebvee ceO³ece cegole keÀpe& Iesleevee SkeÀ peeefceveoej DeLeJee Heieeje®es Keeles Demee Sve.meer.Heer.SHeÀ.
meYeemeoeHe´ceeCes efve³ece }eiet keÀjC³eele Dee}e Deens.
LekeÀyeekeÀeroej meYeemeoebvee keÀpe& vegleveerkeÀjCe keÀjC³eemeeþer ceeieer} 12 ceefnves efve³eefcele Jemeg}er ³esCes DeeJeµ³ekeÀ Demetve µesJeì®es oesve nHeÌles HeieejHe$ekeÀeletve
³esCes DeefveJee³e& nesles. LekeÀyeekeÀeroej meYeemeoeb®eer ceeieerue 12 ceefnves efve³eefceleHeCes HeieejHe$ekeÀeletve Jemegueer ³esle Demeu³eeme Je meYeemeoeves mebHetCe& LekeÀyeekeÀer
jkeÌkeÀce YejCee kesÀu³eeme efkebÀJee keÀpe& efvejbkeÀ kesÀu³eeme lJejerle (YejCee kesÀuesu³ee efoveebkeÀe®³ee Heg{erue keÀe³ee&ue³eerve keÀecekeÀepee®³ee efoJeMeer) keÀpe& vegleveerkeÀjCe
keÀjC³eeme Hee$e þjefJeleevee Sve.meer.Heer.SheÀ. efkebÀJee [ermeer-1 meYeemeoeves SkeÀ peeefceveoej osC³eeyeeyele®ee efve³ece keÀjC³eele Deeuee. meoj 12 ceefnv³eebHewkeÀer
p³ee keÀpe& nHeÌl³eeb®eer HeieejHe$ekeÀeletve Jemeg}er Pee}s}er vemes} Hejbleg mebyebOeerle meYeemeoeves Deµeer Jemeg}er l³ee l³ee ceefnv³eele jesKeerves YejCee kesÀ}s}er Demes}
Je meoj keÀe}eJeOeerle meYeemeo keÀeceeJej npej nesles Je keÀe³ee&}³eerve ®etkeÀercegUs DeLeJee leebef$ekeÀ keÀejCeemleJe DeLeJee ceeieer} Kee[s jpesyeeyele®ee jskeÀe@[&
me@He He´Cee}erceO³es DeÐe³eeJele kesÀu³eecegUs HeieejHe$ekeÀeletve yeBkesÀ®eer Jemeg}er Pee}s}er vemeu³eeyeeyele®ee mebyebOeerle Keel³ee®³ee He´µeemekeÀer³e DeefOekeÀejer ³eebveer
efo}s}e %eeHe meYeemeoeves Depee&meesyele meeoj kesÀu³eeme meoj Depe& cebpetjermeeþer Flej efve³eceemeeHes#e ie´en³e OejC³eele ³esF&}, Demee yeo} keÀjC³eele Dee}e Deens.
LekeÀyeekeÀeroej meYeemeoeb®eer LekeÀerle keÀpee&®eer Jemeg}er keÀjCes mees³eermkeÀj nesF&} ³ee GÎsµeeves keÀpe& IesCee-³ee meYeemeoebveer Heieeje®es Keeles DeeHeu³ee yeBkesÀle GIe[eJes,
Demee efveCe&³e IesC³eele Dee}s}e Deens. DeeHeu³ee meYeemeoebvee Flej yeBkeÀebHe´ceeCes®e DeÐe³eeJele yeBkeÀeRie megefJeOee efceUeJ³eele, ³eekeÀjerlee DeeHe}er yeBkeÀ DeeOegefvekeÀ
leb$e%eeveeJej ceesþ³ee He´ceeCeele Ke®e& keÀjerle Deens. lejer DeeHeu³ee yeBkesÀ®³ee meJe& meYeemeoebveer l³eeb®es Heieeje®es Keeles DeeHeu³ee yeBkesÀle GIe[tve GHe}yOe megefJeOeeb®ee
}eYe I³eeJee, Demes DeeJeenve keÀjC³eele ³esle Deens.
Flej menkeÀejer yeBkeÀe/efJelleer³e mebmLesleer} ie=n keÀpee&®ee mebHetCe& keÀpe& nHeÌlee Jesleveeletve JepeeJeì keÀjÀve GJe&efjle JesleveeJej efve³eceeHe´ceeCes ieCevee keÀ©ve
HejleHesÀ[er®³ee #ecelesvegmeej ceO³ece cegole keÀpe& cebpetj keÀjC³eele ³esles Je l³eekeÀjerlee meYeemeoe®es (Sve.meer.Heer.SHeÀ. efkebÀJee [ermeer-1) Heieeje®es Keeles yeBkesÀle
DemeCes DeeJeµ³ekeÀ DeeefCe SkeÀ peeefceveoej osCes DeeJeµ³ekeÀ, lemes®e p³ee meYeemeoebveer meb³egkeÌle veebJes ie=n keÀpe&/Iej leejCe keÀpe& Iesleues Demetve meoj keÀpee&®eer
HejleHesÀ[ meb³egkeÌle veeJeeleerue ogmeN³ee (meYeemeo/efyeiej meYeemeo) J³ekeÌleerkeÀ[tve efve³eefceleHeCes ³esle Demeu³eeme DeMee keÀpee&®ee nHeÌlee Jesleveeletve JepeeJeì ve
keÀjlee efve³eceeHe´ceeCes ieCevee keÀjÀve ceO³ece cegole keÀpe& cebpetj keÀjeJes, Demee yeo} keÀjC³eele Dee}e Deens.
yeBkesÀ®³ee keÀe³e&#es$eeleerue ceneHeeefuekeÀe keÀce&®ee-³eeb®³ee, efMe#eCe efJeYeeiee®eer yeBkeÀ/efJeefJeOe HelemebmLee ³eeb®³ee meYeemeoebvee efJeMes<e yeeye cnCetve efve³eceele efMeefLeuelee
osTve lesLeerue keÀpe& ìskeÀDeesJnj keÀjC³eemeeþer keÀpe& cebpetj keÀjCesyeeyele ë-
yeBkesÀ®³ee keÀe³e&#es$eeleerue ceneHeeefuekeÀe keÀce&®ee-³eeb®³ee, efMe#eCe efJeYeeiee®eer yeBkeÀ/ceeO³eefcekeÀ efMe#eCe, HeÀe³ej efye´ies[, kesÀ.F&.Sce. HelemebmLee ³eeb®³ee meYeemeoebveer

9
 meoj mebmLesceO³es keÀpe& megefJeOee Iesleuesueer Deens. lemes®e meoj mebmLes®es meYeemeo DeeHeu³ee yeBkesÀ®es osKeerue meYeemeo Deensle/meYeemeo nesT Fef®íle Deensle,
DeMee meYeemeoeb®eer yeN³ee®e keÀeueeJeOeerHeemetve ìskeÀDeesJnj keÀpe& cebpetj keÀjC³ee®eer ceeieCeer nesleer. l³eevegmeej DeMee meYeemeoebmeeþer keÀpe& ìskeÀDeesJnj megefJeOee
GHeueyOe keÀjÀve osC³eele Deeueer Deens. DeeefLe&keÀ Je<e& 2022-2023 ceO³es ìskeÀDeesJnj keÀpe& megefJeOesDebleie&le 15 meYeemeoebvee SketÀCe keÀpe& jkeÌkeÀce jÀHe³es
198.35 ueeKe cebpetj keÀjC³eele Deeueer Deens.
(ye) G®®e µew#eefCekeÀ keÀpe& ë
meYeemeoeb®³ee Heeuu³eeb®³ee G®®e efµe#eCeemeeþer keÀcee} keÀpe& ce³ee&oe jÀHe³es 40.00 }eKe Demetve J³eepe oj 7 ìkeÌkesÀ Je HejleHesÀ[er®ee keÀe}eJeOeer 120
ceefnves Deens. DenJee} Je<ee&le 32 meYeemeoebveer l³ee®³ee Heeuu³eekeÀjerlee jÀHe³es 267.13 }eKe Fleke̳ee jkeÀces®³ee µew#eefCekeÀ keÀpee&®ee }eYe Iesle}e Deens.
Heleer-Helveer oesIesner ceneveiejHeeefuekesÀle veeskeÀjer keÀjerle Demeu³eeme l³eebvee Heeuu³eeb®³ee G®®e efµe#eCeekeÀjerlee SkeÀef$ele keÀcee} keÀpe& ce³ee&oe jÀHe³es 80.00
ueeKe jener}.
Mew#eefCekeÀ keÀpe& jkeÀcesceO³es Jemeefleie=ne®eer HeÀer efkebÀJee Mew#eefCekeÀ keÀeueeJeOeerceO³es Heeuu³eeb®ee jenC³ee®ee Ke®e& lemes®e efJecee nHeÌl³ee®eer jkeÌkeÀce Mew#eefCekeÀ keÀpe&
cnCetve osC³ee®ee efve³ece keÀjC³eele Deeuee. lemes®e moratorium keÀeueeJeOeer 2 Je<ee&SsJepeer 4 Je<ex efkebÀJee Mew#eefCekeÀ keÀeueeJeOeer ³eeHewkeÀer keÀceer Demeuesu³ee
keÀeueeJeOeermeeþer osC³ee®ee efve³ece keÀjC³eele Deeuee.
(keÀ) Jeenve keÀpe& ë
Jeenve keÀpee&®ee J³eepe oj 7.75 ìkeÌkesÀ FlekeÀe keÀjC³eele Dee}s}e Deens.
veefJeve ®eej ®eekeÀer Je og®eekeÀer Jeenve Kejsoermeeþer Jeenveeb®³ee SketÀCe efkebÀcele (SkeÌme MeesjÀce efkebÀcele + Deej.ìer.Dees. keÀj + efJecee nHeÌlee) efkebÀceleer®³ee 90
ìkeÌkesÀHe³e¥le keÀpe& cebpetj keÀjC³eele ³esles. lemes®e pegv³ee ®eej ®eekeÀer Jeenve KejsoerkeÀjerlee mejkeÀej ceev³eleeHe´eHle cegu³eebkeÀve efkebÀcele + Deej.ìer.Dees. keÀj +
efJecee nHeÌl³ee®³ee 90 ìkeÌkesÀHe³e¥le keÀpe& cebpetj keÀjC³eele ³esles.
DenJeeue meeueele 29 meYeemeoebveer jÀHe³es 265.19 ueeKe Fleke̳ee jkeÀces®ee Jeenve keÀpee&®ee ueeYe Iesleuee Deens. Jeenve keÀpee&keÀjerlee [ermeer-1 lemes®e
Sve.meer.Heer.SHeÀ. meYeemeoebvee Heieeje®es Keeles DeeHeu³ee yeBkesÀle DemeCes efkebÀJee SkeÀ peeefceveoej osCes DeeJeM³ekeÀ jenerue.
([) leele[er®es keÀpe& ë-
leele[er®³ee keÀpee&®eer keÀcee} ce³ee&oe jÀHe³es 3.00 }eKe Deens Je keÀpee&®ee J³eepe oj 10.00 ìkeÌkesÀ Deens. leele[er®es keÀpe& meYeemeoe®³ee mekeÌleer®³ee
þsJeer®³ee efµeu}keÀ jkeÀcesFlekesÀ, jÀHe³es 1000/- ®³ee HeìerceO³es cebpetj keÀjC³eele ³esF&}. cee$e jÀHe³es 1000/- Hes#ee keÀceer keÀpe& cebpetj kesÀ}s peeCeej veener.
meYeemeoeme DeeefLe&keÀ Je<ee&le 3 JesUe leele[er®es keÀpe& cebpetj keÀjC³eele ³esle nesles l³eeSsJepeer leele[er®es keÀpe& Iessleu³eeHeemetve meueie 5 ceefnves HeieejeHe$ekeÀeletve
efve³eefcele Jemegueer He´eHle Peeu³eeme meYeemeoeuee l³ee®³ee DeeJeM³ekeÀlesvegmeej efkeÀleerner JesUe leele[er®es keÀpe& cebpetj keÀjC³ee®ee efve³ece keÀjC³eele Deeuee Deens.
meYeemeoe®³ee mekeÌleer®³ee þsJe Keel³eele, meYeemeolJee®³ee keÀe}eJeOeervegmeej keÀceer jkeÌkeÀce pecee Demes} Je meYeemeo meoj keÀceer Deme}s}er jkeÌkeÀce YejC³eeme
F®ítkeÀ Demeu³eeme meoj jkeÌkeÀce meYeemeoe®³ee ye®ele Keel³eele YejÀve IesTve meYeemeoe®³ee mebceleer He$eevegmeej mekeÌleer®³ee þsJe Keeleer pecee keÀjC³eele ³esF&}.
(F) ie=n keÀpe& ë
Yeejleer³e efjPeJn& yeBkesÀ®es HeefjHe$ekeÀ ke´À. RBI/2022-23/159/DOR.CRE.REC.92/07.10.002/ 2022-23 efoveebkeÀ
30.12.2022 vegmeej lemes®e efoveebkeÀ 25.01.2023 jespeer Peeuesu³ee meb®eeuekeÀ ceb[Ue®³ee cebpetjervegmeej, ie=n keÀpee&®eer cenllece ce³ee&oe jÀHe³es
140 ueeKeeJejÀve keÀceer keÀjÀve jÀHe³es 60 ueeKe FlekeÀer keÀjC³eele Deeueer Deens. l³eevegmeej ie=nkeÀpee&®eer cenllece ce³ee&oe jÀHe³es 60 }eKe Demetve J³eepeoj
8.50 ìkeÌkesÀ (efHeÀkeÌm[) keÀjC³eele Dee}e Deens. meYeemeo p³ee FceejleerceO³es meoefvekeÀe Iesle Demes} leer Fceejle 20 Je<ee&Hes#ee pegveer vemeeJeer, ³eeceO³es
yeo} keÀjÀve meYeemeo p³ee FceejleerceO³es meoefvekeÀe Iesle Demes} leer Fceejle JeeHej HejJeevee/Fceejle HetCe&lJee®³ee oeKeu³ee®³ee leejKesHeemetve 30 Je<ee&Hes#ee
pegveer Demeu³eeme meoj Fceejleer®es Heg{er} Dee³eg<³eceeve 20 Je<ee&Hes#ee peemle Demeu³eeyeeyele®ee mì^keÌ®ej} FbefpeefveDej ³eeb®ee oeKe}e meeoj kesÀu³eeme meoj
Fceejleerle meoefvekeÀe KejsoerkeÀjerlee Flej efve³eceemeeHes#e keÀpe& cebpetj keÀjC³eele ³esles.
meJe& meYeemeoebvee efJevece´ DeeJeenve keÀjC³eele ³esles keÀer, yeBkesÀ®ee meO³ee®ee ie=n keÀpee&®ee J³eepe oj 8.50 o.mee.o.Mes. FlekeÀe mHeOee&&lcekeÀ Demetve
peemleerle peemle meYeemeoebveer ie=n keÀpee&®ee ueeYe I³eeJee. lemes®e l³eeb®es Flej yeBkesÀleerue efMeuuekeÀ ie=n keÀpe& DeeHeu³ee yeBkesÀle Jeie& keÀjÀve keÀceer J³eepe
oje®ee ueeYe I³eeJee. ceneHeeef}keÀe, veiejHeeef}keÀe, veiej Heefj<eo nÎerle veiej j®evee efJeYeeiee®eer cebpetjer He´eHle Deme}su³ee Fceejleerle meoefvekeÀe KejsoerkeÀjerlee
ie=n keÀpee&meeþer peeefceveoej IesC³ee®eer Deì jÎ keÀjC³eele Dee}er Deens. lemes®e HejleHesÀ[ #eceles®eer ieCevee keÀjleevee 30 ìkeÌkesÀSsJepeer 25 ìkeÌkesÀHe´ceeCes
ieCevee keÀjC³eele ³esles. lemes®e ie´eceHeb®ee³ele nÎerceO³es ie=n keÀpe& Iesle Demeu³eeme Deµee He´keÀjCeele efoveebkeÀ 05.05.2008 HetJeea ceneveiejHeeefuekeÀe
mesJesle Demeuesu³ee yeBkesÀ®³ee meYeemeoebkeÀjerlee (Sve.meer.Heer.SHeÀ.) DeeefCe efoveebkeÀ 05.05.2008 jespeer efkebÀJee l³eeveblej ceneveiejHeeefuekeÀe ([ermeer-1)
(ceneHeeefuekesÀle 5 Je<ex efkeÀbJee l³eeHes#ee peemle mesJee keÀeueeJeOeer HetCe& Peeuesues meYeemeoebkeÀjerlee) peeefceveoej IesC³ee®eer Deì jÎ keÀjC³eele Deeueer Deens. cee$e

10
efoveebkeÀ 05.05.2008 jespeer efkebÀJee l³eeveblej ceneveiejHeeefuekeÀe mesJesle jÀpet Peeuesu³ee meYeemeoebkeÀjerlee ([ermeer-1) (ceneHeeefuekesÀle 5 Je<ee&Hes#ee keÀceer
mesJee keÀeueeJeOeer HetCe& Peeuesu³ee meYeemeoebkeÀjerlee) SkeÀ peeefceveoej IesC³eele ³esF&ue.
ceneveiejHeeefuekesÀ®es pes keÀce&®eejer yeBkesÀ®es meYeemeo Deensle, cee$e l³eeb®ee Sve.meer.Heer.SHeÀ. efkebÀJee [ermeer-1 keÀeHeuee peele veener, DeMee meYeemeoebvee peeefceveoej
ve Ieslee ie=n keÀpe& cebpetj keÀjC³ee®eer megefJeOee GHeueyOe keÀjÀve osC³eele Deeueer Deens. cee$e ie´eceHeb®ee³ele cebpetjer®³ee keÀpe& He´keÀjCeele (keÀpe& OeesjCeevegmeej) SkeÀ
peeefceveoej p³eeb®ee YeefJe<³e efveJee&n efveOeer efkebÀJee [ermeer-1 keÀeHeuee peele vemesue, lejer DeMee meYeemeoebme peeefceveoej cnCetve IesC³eele ³eeJes.
ie´eceHeb®ee³ele cebpetjer®³ee keÀpe& He´keÀjCeele HejleHesÀ[ #ecelee keÀe{leevee 25 ìkeÌke̳eeHe´ceeCes ieCevee keÀjC³eele ³esF&}. lemes®e keÀpee&®eer ce³ee&oe Jee{Jetve jÀHe³es
20 }eKeeJejÀve jÀHe³es 25 }eKe keÀjC³eele Dee}er Deens.
De@efHeÀ[sJnerì-keÀce-ef[keÌ}jsµeve, keÀpe& HesÀ[eryeeyele keÀpe&oejeves efo}s}s DeefOekeÀej He$e, FefkeÌJeìsye} cee@iexpe Heg<ìerkeÀjCe, ef[keÌ}jsµeve Deµeer JesieJesieUer keÀeieoHe$es
ve Ieslee l³eeSsJepeer meoj ®eejner keÀeieoHe$eeb®ee cemegoe SkeÀef$ele Deme}s}s De@efHeÀ[sJnerì-keÀce-ef[keÌ}jsµeve IesC³eeyeeyele yeo} keÀjC³eele Dee}e Deens. l³eecegUs
³eeHeg{s meYeemeoebvee meoj®eer JesieJesieUer keÀeieoHe$es veesìjer keÀjC³eeSsJepeer SkeÀ®e keÀeieoHe$e veesìjer keÀjeJee }eies}.
jsje Debleie&le cebpetj Deme}su³ee He´keÀuHeebyeeyele, efyeu[j, keÀpe&oej Je yeBkeÀ ³eeceOeer} ef$eHe#eer³e keÀjej keÀjC³ee®eer Deì jÎ keÀjC³eele Dee}er Deens. l³eeSsJepeer
megOeejerle vee njkeÀle He´ceeCeHe$e IesC³eeyeeyele®ee yeo} keÀjC³eele Dee}e Deens. lemes®e efyeiej meYeemeo Heleer efkebÀJee HelveermeceJesle SkeÀef$ele veebJes kesÀ}s}e ie=n
KejsoerKele efkebÀJee keÀjejveecee Demeuee lejer ie=n keÀpee&meeþer meoj meYeemeoeme Hee$e þjefJeC³eele ³esles.
meb³egkeÌle ie=n keÀpe& keÀjejveec³eeceO³es efyeiej meYeemeo Heleer/Helveer J³eefleefjkeÌle Je[erue-cegueiee, Je[erue-DeefJeJeenerle cegueieer, DeeF&-cegueiee, DeeF&-DeefJeJeenerle
cegueieer, YeeT-YeeT ³eeb®es veebJe meb³egkeÌle keÀjejveec³eeceO³es efÜleer³e Demeu³eeme ie=n keÀpe& cebpetj keÀjC³ee®eer megefJeOee osC³eele Deeueer Deens.
ie=n keÀpe& Depe& keÀjlesJesUer meYeemeoe®ee ceneveiejHeeefuekesÀleerue mesJee keÀeueeJeOeer meelel³eeves SkeÀ Je<e& efkebÀJee l³eeHes#ee peemle DemeCesyeeyele®³ee efve³eceele yeoue
keÀjÀve meYeemeoe®ee mesJee keÀeueeJeOeer meelel³eeves SkeÀ ceefnvee efkebÀJee l³eeHes#ee DeefOekeÀ DemeCesyeeyele®ee efve³ece keÀjC³eele Deeuee Deens. ie=n keÀpee&®ee keÀjejveecee
meb³egkeÌleefjl³ee kesÀuesuee Demeu³eeme lemes®e meYeemeoe®eer Heleer/Helveer ceneveiejHeeefuekesÀ J³eefleefjkeÌle Flej efþkeÀeCeer keÀe³e&jle Demeu³eeme DeMee ie=n keÀpe& He´keÀjCeele
keÀpee&®eer ieCevee 25 ìkeÌkesÀSsJepeer 10 ìkeÌkesÀHe´ceeCes keÀjCesyeeyele efve³ece keÀjC³eele Deeuee Deens.
Flej yeBkesÀ®es efkebÀJee efJelle mebmLee (Sve.yeer.SHeÀ.meer.) ®es Deb[j keÀvmì^keÌMeve DebMeleë DeefOeoeve kesÀuesues ie=n keÀpe& ìskeÀDeesJnj keÀjC³ee®eer megefJeOee GHeueyOe
Deens.
(F&) cee@ies&pe keÀpe& ë
cee@iexpe keÀpee&®eer ce³ee&oe jÀHe³es 50 }eKe efkebÀJee cee@iexpe ceeuecelles®³ee 75 ìkeÌkesÀHe³e¥le (HewkeÀer keÀceer Demeuesueer jkeÌkeÀce) Je J³eepe oj 10.50 ìkeÌkesÀ
Deens. lejer meYeemeoebveer meoj keÀpe& megefJeOes®ee }eYe I³eeJee.
(G) efJeµes<e cegole keÀpe& ë
yeBkesÀves meYeemeoebkeÀjerlee efJeµes<e cegole keÀpe& jÀHe³es 25 }eKeeHe³e¥le Flej keÀpe& efve³eceemeeHes#e GHe}yOe keÀjÀve efo}s Deens. meYeemeo efkeÀceeve jÀHe³es 16 }eKe
Je keÀcee} jÀHe³es 25 }eKeeHe³e¥le keÀpee&®ee }eYe IesT µekeÀleele. meoj keÀpee&®ee J³eepe oj 11.50 ìkeÌkesÀ FlekeÀe Deens. lejer meYeemeoebveer meoj megefJeOes®ee
}eYe I³eeJee. leele[er®es keÀpe& Je mekeÌleer®³ee þsJeerJejer} keÀpee&J³eefleefjkeÌle Flej keÀpee&®eer efMeuuekeÀ jkeÌkeÀce l³ee®³ee cebpetj kesÀ}su³ee efJeMes<e cegole keÀpee&ceOetve
Jepee keÀjÀve GJe&efjle keÀpe& jkeÀcesJej oj npeejer jÀHe³es 7.50 He´ceeCes Hejle ve efceUC³ee®³ee lelJeeJej peeefcevekeÀer nceer efveOeer Jemeg} keÀjC³eele ³esF&}. cebpetj
keÀpe& jÀHe³es 1,000/- ®³ee Heìerle HetCe& veme}s lejer Jejer}He´ceeCes peeefcevekeÀer nceer efveOeer Jemeg} kesÀ}e peeF&}.
(GÀ) cegole þsJe leejCe keÀpe& ë
meYeemeoeme mJele뮳ee lemes®e meb³egkeÌle veebJes Deme}su³ee cegole þsJeeR®³ee leejCeeJej keÀpe& megefJeOee GHe}yOe Deens.
(S) je<ì^er³e ye®ele He´ceeCeHe$e/Dee³egefJe&cee Hee@efuemeer leejCeeJejerue keÀpe& ë
je<ì^er³e ye®ele He´ceeCeHe$e/Dee³egefJe&cee Hee@efuemeer leejCeeJejerue keÀpe& megefJeOee 10 ìkeÌkesÀ J³eepe ojeves GHeueyOe Deens.
(Ss) ie=n keÀpe& ìe@He-DeHe ë
ie=n keÀpe& ìe@He DeHe keÀpee&®eer ce³ee&oe jÀHe³es 25 ueeKe efkebÀJee meYeemeoe®³ee HejleHesÀ[ #ecelesvegmeej ³esCeeN³ee jkeÀces®³ee efkebÀJee Jeemlet®³ee DeefuekeÀ[erue
cegu³eebkeÀve jkeÀces®³ee 90 ìkeÌkesÀHe³eb&le lemes®e J³eepe oj 10 ìkeÌkesÀ Deens. lejer meYeemeoebveer meoj keÀpe& megefJeOes®ee ueeYe I³eeJee.
(Dees) DeveglHeeoerle keÀpex (Sve.Heer.S.)
DeeefLe&keÀ Je<e& 2021-2022 ceO³es yeBkesÀ®eer SketÀCe DeveglHeeoerle keÀpex ©.77.35 keÀesìer nesleer Je {esyeU Sved.Heer.S.®es He´ceeCe 2.92… nesles Je vekeÌle
Sved.Heer.S. efvejbkeÀ neslee. DeeefLe&keÀ Je<e& 2022-2023 ceO³es yeBkesÀ®eer DeveglHeeoerle keÀpex ©. 112.89 keÀesìer Pee}s Deens Je {esyeU Sved.Heer.S. ®es
He´ceeCe 3.93… Demetve vekeÌle Sved.Heer.S. efvejbkeÀ Deens. DenJee} Je<ee&le Sved.Heer.S. yeeyele yeBkesÀves yeg[erle Je Deefveeqµ®ele keÀpex efveOeerle jÀHe³es 26.17 keÀesìer
11
 FlekeÀer DeefleefjkeÌle lejleto keÀjC³eele Dee}er Deens. ³ee J³eefleefjkeÌle yeBkesÀkeÀ[s ©. 91.96 keÀesìer FlekeÀer jkeÌkeÀce peeefcevekeÀer nceer efveOeerceO³es GHe}yOe Deens.
ceeieer} DeeefLe&keÀ Je<ee&®³ee LeefkeÀle keÀpee&®eer ³ee DeeefLe&keÀ Je<ee&®³ee LekeÀerle keÀpee&Meer leg}vee keÀjlee Sved.Heer.S.jkeÀcesle jÀHe³es 35.54 keÀesìerves Jee{ Peeu³ee®es
efomele Deens. meoj Peeuesueer Jee{ ce=le keÀpe&oej meYeemeoeb®eer keÀpe& Keeleer mebieCekeÀ He´CeeueerÜejs DeveglHeeoerle keÀpe& He´keÀjCeebceO³es Jeie& nesle veJnleer. DeMeer keÀpe&
He´keÀjCes Yeejleer³e efjPeJn& yeBkesÀ®³ee HeefjHe$ekeÀevegmeej DeveglHeeoerle keÀpe& He´keÀjCeebceO³es Jeie& kesÀu³eecegUs Jee{ Peeuesueer Deens. HetJeea DeeHeu³ee yeBkesÀle ìHHee HeOoleerves
meYeemeolJee®³ee keÀe}eJeOeervegmeej keÀpe& cebpetj keÀjC³eele ³esle nesles. l³eeceO³es yeo} keÀjÀve Deelee HejleHesÀ[er®³ee #ecelesvegmeej keÀpe& cebpetj keÀjC³eele ³esle
Deens. l³eecegUs yeBkesÀ®³ee keÀpe& cebpetj jkeÀcesle Jee{ Pee}er Je l³ee®ee HeefjCeece Sve.Heer.S. jkeÌkeÀcesle Jee{ nesC³eeceO³es Pee}e Deens. yeBkesÀ®eer keÀpe& Keeleer Sve.
Heer.S. nesC³ee®eer keÀejCes, meYeemeo keÀeceeJej Deefve³eefcele, ce=le, keÀece keÀjC³eeme DemeceLe&, mesJesletve ye[leHe&À Fl³eeoer Deensle. l³eeHewkeÀer keÀeceeJej Deefve³eefcele
ns Sve.Heer.S. Jee{er®es He´cegKe keÀejCe Deens. efoveebkeÀ 01.05.2015 les efoveebkeÀ 30.09.2016 ³ee keÀe}eJeOeerle [ermeer-1 meYeemeoebvee keÀpee&meeþer
peeefceveoej IesC³ee®eer HeOole yebo keÀjC³eele Dee}er. ³ee keÀe}eJeOeerle [ermeer-1 meYeemeoebvee efo}su³ee keÀpee&HewkeÀer yejer®e keÀpe& Keeleer Sve.Heer.S. Pee}er. l³eecegUs
osKeer} Sve.Heer.S. ceO³es Jee{ Pee}er Deens.
Sve.Heer.S. keÀpe& Keel³eeb®³ee Jemeg}erkeÀjerlee µeeKee mlejeJej mebyebOeerle Keel³eele HeeþHegjeJee keÀjC³eele ³eslees. lemes®e meYeemeoeb®³ee Iejer He´l³e#e Yesì osTve
Jemeg}ermeeþer He´³elve kesÀ}e peelees. l³ee®eHe´ceeCes Sve.Heer.S. keÀpe& Keel³eeb®³ee Jemeg}erkeÀjerlee ceneje<ì^ menkeÀejer keÀe³eoe 1960 ceOeer} keÀ}ce 101
Debleie&le Jemeg}er®eer keÀejJeeF& keÀjC³eele ³esles. p³ee He´keÀjCeebceO³es Jemeg}er oeKe}e He´eHle Pee}e Deens Deµee He´keÀjCeeble ceneHeeef}kesÀkeÀ[s Heieejeletve lemes®e Flej
os³e jkeÀcesletve Jemeg}er efceUC³eekeÀjerlee `efJeµes<e Jemeg}er DeefOekeÀejer’ ceeHe&Àle Deeosµe osC³eele ³esleele. lemes®e p³ee He´keÀjCeele LekeÀerle keÀpe&oejekeÀ[s peHle
keÀjC³ee³eesi³e mLeeJej/pebiece cee}cellee Deens Deµee He´keÀjCeele peHleer®eer keÀejJeeF& keÀjC³eele ³esles. meJe& He´keÀej®es Jemeg}er®es He´³elve kesÀu³eeveblej Jemeg} ve
nesCeejer keÀpex JewOeeefvekeÀ }sKee Heefj#ekeÀebveer Keelejpecee kesÀu³eeveblej efve}xeqKele keÀjC³eele ³esleele. ³eeJe<ee&®es }sKee leHeemeveerme cesmeme& peer.[er.DeeHeìs DeB[
kebÀHeveer ³eebveer 56 keÀpe& Keeleer Je keÀpe& jkeÌkeÀce jÀHe³es 2,62,92,369.51 (jÀHe³es oesve keÀesìer yeeme<ì ueeKe y³eeCCeJe npeej efleveMes SkeÀesCemellej
DeeefCe Hewmes SkeÌkeÀeJevve HeÀkeÌle) efve}xefKele keÀjC³ee®es He´ceeefCele kesÀ}s Deens. meoj keÀpe& Keeleer efve}xefKele keÀjC³eeme Jeeef<e&keÀ meJe&meeOeejCe meYesle cebpetjer
osC³ee®eer efJevebleer keÀjC³eele ³esle Deens.
7. iegbleJeCetkeÀ ë-
ieleJe<eea iegbleJeCegkeÀerJejer} J³eepe jÀ.104.93 keÀesìer nesles Je efoveebkeÀ 31.03.2023 jespeer meoj J³eepe jÀ. 105.56 keÀesìer He´eHle
Pee}s}s Deens. meoj J³eepe ieleJe<ee&µeer leg}vee keÀjlee jÀHe³es 0.63 keÀesìerves Jee{ Pee}s}er Deens. meoj Jee{ 0.60 ìkeÌkesÀ Deens. iegbleJeCetkeÀerJejerue mejemejer
J³eepe HejleeJee ieleJe<eea 5.82 ìkeÌkesÀ neslee lees ³eeJe<eea 5.98 ìkeÌkesÀ Peeuee Deens. l³eeceO³es ®eeuet Je<eea 2.75 ìkeÌkesÀ Jee{ Peeueer Deens. meoj iegbleJeCetkeÀ mejemejer
J³eepe HejleeJ³eeceO³es DebMeleë Jee{ efomele Demeueer lejer iebgleJeCetkeÀerJejerue J³eepe jkeÀcesleerue Ieì ner cegK³elJes jesKe lej}les®es (ef}efkeÌJe[erìer) He´ceeCe Jee{u³eeves
iegbleJeCetkeÀermeeþer GHeueyOe efveOeer keÀceer Peeu³eeves lemes®e peemle J³eepe oj Demeuesues mejkeÀejer keÀpe& jesKes ®eeuet DeeefLe&keÀ Je<ee&le cegoleHetleea Peeu³eeves Je mejkeÀejer keÀpe&
jesKes Je ìer-yeer}Jejer} J³eepe ojele Ieì Peeu³eeves efometve ³esles. yeBkesÀkeÀ[s Demeuesues DeefleefjkeÌle efveOeer c³eg®³egDeue HebÀ[ (efueefkeÌJe[ HebÀ[) ìce& ceveer ef[Hee@efPeì ³eemeejK³ee
®eebieues GlHevve osCee-³ee He³ee&³eeceO³es yeBkesÀ®es iegbleJeCetkeÀ meuueeieej cesmeme& veeF&ì efHeÀveìskeÀ efjme®e& He´e³eJnsì efue. ³eeb®³ee meuu³eevegmeej iebgleefJeC³eele Dee}er Deens.
DenJee} mee} DeKesj yeBkesÀ®eer SketÀCe iegbleJeCetkeÀ jÀHe³es 1766.13 keÀesìer Deens. ieleJe<eea yeBkesÀ®eer SketÀCe iegbleJeCetkeÀ jÀHe³es 1802.12 keÀesìer nesleer.
8. KesUles Yeeb[Je} ë-
ieleJe<eea jÀHe³es 5020.47 keÀesìer Deme}su³ee KesUl³ee Yeeb[Je}eceO³es Jee{ nesTve ³eeJe<eea KesUles Yeeb[Je} jÀHe³es 5247.23 keÀesìer Pee}s Deens.
KesUles Yeeb[Je}eceO³es iesu³ee Je<ee&®³ee leg}vesle jÀHe³es 226.76 keÀesìerves Jee{ Pee}er Deens. meoj Jee{ 4.52 ìkeÌkesÀ Deens.
9. veHeÀe efJeYeeieCeer ë-
DenJee} mee}eceO³es yeBkesÀme SketÀCe jÀHe³es 129.17 keÀesìer veHeÀe jÀHe³es 9.38 keÀesìer ef[HeÀ[& ì@keÌme efceUkeÀle meceekeer<ì keÀ©ve Pee}e Deens. menkeÀejer
yeBkeÀebvee Dee³ekeÀj }eiet kesÀu³eeves yeBkesÀ}e meoj veHe̳eeletve jÀHe³es 36.70 keÀesìer Dee³ekeÀj DeefOeoeve/lejleto keÀjeJeer }eieu³eeves, efJeYeeieCeermeeþer jÀHe³es
83.09 keÀesìer veHeÀe GHe}yOe Deens. ceneje<ì^ menkeÀejer mebmLee DeefOeefve³ece, 1960 ceOeerue keÀuece 66 vegmeej He´l³eskeÀ mebmLesves efveJJeU veHe̳ee®³ee 1/4
jkeÌkeÀce jeKeerJe efveOeerceO³es Jeie& keÀjeJeer ueeieles. lemes®e keÀuece 67 DevJe³es ueeYeebMee®es peemleerle peemle oj 15 ìkeÌkesÀ Deens Je l³eeHe´ceeCes yeBkeÀ ueeYeebMe
osle Deens. ³eeJe<eea& yeBkesÀ®³ee veHe̳eeceO³es ®eebieueer Jee{ Peeu³eeves meYeemeoebvee DeefleefjkeÌle 5 ìkeÌkesÀ ojeves ueeYeebMe osC³ee®es meb®eeuekeÀ ceb[Ue®ee ceeveme Deens.
l³eeHe´ceeCes meb®eeuekeÀ ceb[Ueves l³eebme ceev³elee osTve menkeÀej Keel³ee®³ee cebpetjer®eer DeeJeM³ekeÀlee Deens Je lemes®e meoj yeeye Yeejleer³e efjPeJn& yeBkesÀme osKeerue
keÀUefkeCes DeeJeM³ekeÀ Deens ke l³ee®ee HeeþHegjeJee megOoe megjÀ Deens. pej Jeeef<e&keÀ meJe&meeOeejCe meYesHetJeea cebpetjer efceUeueer lej meYeemeoebvee DeefleefjkeÌle 5 ìkeÌkesÀ
ojeves ueeYeebMee®es DeefOeoeve keÀjlee ³esF&ue.
ceneje<ì^ menkeÀejer mebmLee efve³ece 1961 efve³ece ke´ÀceebkeÀ 52 vegmeej mebmLes®³ee efveJJeU veHeÀ³eeletve meceleesue veHeÀe efJeYeeieCeer efveOeer GYeejeJee ueeielees Je meoj
efveOeerceO³es YejCee kesÀuesu³ee Yeeie Yeeb[Jeuee®³ee 2 ìkeÌkesÀHes#ee DeefOekeÀ veener FlekeÀer jkeÌkeÀce lemes®e DeMee efveOeerceOeerue SketÀCe jkeÌkeÀce YejCee kesÀuesu³ee Yeeie
12
Yeeb[Jeuee®³ee 9 ìkeÌkesÀ FlekeÀer nesF&He³e¥le, DeMee efveOeerle pecee keÀjeJeer ueeieles. cee$e DenJee} Je<ee&le 9 ìkeÌkesÀHe´ceeCes He³ee&Hle lejleto yeBkesÀkeÀ[s GHe}yOe Deens.
l³eecegUs DenJee} mee}ele mecelees} veHeÀe efJeYeeieCeer efveOeerceO³es jkeÌkeÀce Jeie& keÀjC³eele Dee}er veener. yeBkesÀ®³ee veJeerve GHeefJeOeer ke´ÀceebkeÀ 54 vegmeej meeceeefpekeÀ
yeebefOeuekeÀer efveOeer GYeejCes DeeJeM³ekeÀ Demetve meoj efveOeer ne osCei³ee efkebÀJee meeceeefpekeÀ keÀe³ee&meeþer (Goe. cegK³eceb$eer efveOeerme ceole F.) JeeHej keÀjlee ³eslees.
yeBkesÀ®ee GHeefJeOeer ke´ÀceebkeÀ 55 vegmeej efMe#eCe efveOeerceO³es veHeÀ³ee®³ee keÀceerle keÀceer 5 ìkeÌkesÀ efkebÀJee peemleerle peemle 10 ìkeÌkesÀHe³e¥le jkeÌkeÀce Jeie& keÀjÀve
meb®eeuekeÀ, meYeemeo Je mesJekeÀ ³eeb®³ee He´efMe#eCeemeeþer l³ee efveOeer®ee JeeHej keÀjlee ³esF&ue. ³ee lejletoer efJe®eejele IesTve veHeÀ³ee®eer efJeYeeieCeer Heg{erueHe´ceeCes
keÀjC³eeme ceev³elee osC³eemeeþer meb®ee}keÀ ceb[U Jeeef<e&keÀ meJe&meeOeejCe meYeskeÀ[s efµeHeÀejme keÀjerle Deens ë-
leHeefµe} efoveebkeÀ 31.03.2023 meve 2021-22 ceO³es keÀjC³eele meve 2022-23 keÀjerlee
jespeer Deme}s}er efµeu}keÀ (©.) Dee}s}er veHeÀe efJeYeeieCeer (©.) efµeHeÀejme (©.)
mebeq®ele efveOeer 25… 2,11,29,16,445.66 19,92,22,083.51 20,77,18,424.77
mecelees} veHeÀe efJeYeeieCeer 15,66,26,076.00 -- --
Yeeie Yeeb[Je}eJejer} -- 15 ìkeÌkesÀ - 15 ìkeÌkesÀ -
}eYeebµe 15… 22,00,00,000.00 21,25,00,000.00
3 ìkeÌkesÀ - 5 ìkeÌkesÀ -
4,90,00,000.00 7,05,00,000.00
meYeemeo keÀu³eeCe efveOeer 54,93,71,498.76 4,00,00,000.00 5,00,00,000.00
meYeemeo mJeemL³e efveOeer 11,27,00,075.56 2,50,00,000.00 2,50,00,000.00
DeekeÀeqmcekeÀ iees<ìeRmeeþer efveOeer 2,25,72,015.40 50,00,000.00 25,00,000.00
eqµe#eCe efveOeer 21,99,25,907.95 3,98,44,416.70 4,16,00,000.00
keÀce&®eejer keÀu³eeCe efveOeer 1,86,94,943.44 25,00,000.00 1,00,00,000.00
DeeqmLej iegbleJeCetkeÀ efveOeer 23,85,02,365.05 1,50,00,000.00 1,50,00,000.00
mebieCekeÀ efveOeer 17,15,06,536.63 1,40,00,000.00 5,00,00,000.00
og©mleer Je vegleveerkeÀjCe efveOeer 9,60,07,643.71 1,00,00,000.00 1,25,00,000.00
meeceeefpekeÀ yeebefOe}keÀer efveOeer 88,46,210.84 0.00 15,00,000.00
efveJe=lle meYeemeo keÀu³eeCe efveOeer 2,07,96,847.55 25,00,000.00 25,00,000.00
Fceejle efveOeer 43,51,11,667.00 12,65,00,000.00 6,70,00,000.00
peeefcevekeÀer nceer efveOeer 91,95,70,731.95 2,00,00,000.00 3,00,00,000.00
iegbleJeCetkeÀ Iemeeje efveOeer 6,72,97,801.00 2,50,00,000.00 3,00,00,000.00
mebkeÀì efveJeejCe efveOeer 5,83,91,570.00 25,00,000.00 25,00,000.00
eqµeu}keÀ veHeÀe 8,21,833.83 55,274.30
SketÀCe 5,20,88,38,336.50 79,68,88,334.04 83,08,73,699.07
mekeÌleer®eer ye®ele þsJe ë-
DenJee} mee}eceO³es mekeÌleer®³ee ye®ele þsJeer jÀHe³es 1085.94 keÀesìer Peeu³ee Demetve iesu³ee Je<ee&®³ee leg}vesle meoj þsJeerceO³es jÀHe³es 8.41 keÀesìerves Jee{ Peeu³ee®es
efometve ³esles. meoj Jee{ 0.78 ìkeÌkesÀ Deens. ³eeJe<eea mekeÌleer®³ee þsJeerbJej 6.63 ìkeÌkesÀ ojeves J³eepe osC³eele Dee}s Deens. meoj J³eepe efoveebkeÀ 01.04.2023
jespeer meYeemeoeb®³ee yeBkesÀleerue ye®ele Keel³eele pecee keÀjC³eele Dee}s. HeieejHe$ekeÀeÜejs mekeÌleer®³ee ye®ele þsJeer®eer efkeÀceeve ce³ee&oe jÀHe³es 1,000/- Demetve meoj
þsJeermeeþer keÀesCeleerner keÀcee} ce³ee&oe vemeu³eecegUs meYeemeoeme jÀHe³es 1,000/- Hes#ee peemle jkeÌkeÀce ojcene HeieejHe$ekeÀeÜejs pecee keÀjlee ³esF&}.
11. }eYeebµe ë-
menkeÀej Keel³eeves peemleerle peemle 15 ìkeÌkesÀ ojeves }eYeebµe osC³ee®eer ce³ee&oe efveefµ®ele kesÀ}er Demeu³eeves yeBkeÀ meoj ce³ee&osvegmeej DeÐeeHeHe³e¥le peemleerle
peemle }eYeebµe osle Dee}er Deens.
ielemeeueer yeBkesÀ®³ee veHe̳eeceO³es Jee{ Peeu³eeves cee. efJeYeeieer³e men-efveyebOekeÀ ³eeb®³ee HejJeeveieervegmeej 15 ìkeÌkesÀ ueeYeebMe jkeÀcesle 3 ìkeÌkesÀves Jee{ keÀjÀve 18
ìkeÌkesÀHe´ceeCes meYeemeoebvee ueeYeebMe Deoe keÀjC³eele Deeuee.

13
 12. efnµesye leHeemeCeer ë-
• kebÀkeÀjbì efnµesye leHeemeCeer/Debleie&le uesKee Heefj#eCe ë- mee} 2022-2023 ³ee Je<ee&keÀjerlee cesmeme& pes. efmebie DeB[ DemeesefmeSìmed ³eebvee
cegK³e keÀe³ee&ue³e Je 8 MeeKee, cesmeme& kesÀ.Heer.meer.Sce. DeB[ kebÀHeveer ³eebvee 7 MeeKee, cesmeme& Sue.yeer. Pee DeB[ kebÀHeveer ³eebvee 7 MeeKee ³eeHe´ceeCes
kebÀkeÀjbì efnµesye leHeemeveerme cnCetve efve³egkeÌleer keÀjC³eele Dee}er nesleer. cesmeme& pes. efmebie DeB[ DemeseefmeSìmed ³eebveer kesÀJeU efoveebkeÀ 01.04.2022
les 30.06.2022 ³ee keÀeueeJeOeerkeÀjerlee cegK³e keÀe³ee&ue³e Je 8 MeeKeeb®es kebÀkeÀjbì uesKee leHeemeCeer®es keÀece HetCe& kesÀues. l³eecegUs meoj®es keÀece
GJe&efjle 2 mebmLeevee efkeYeeietve osC³eele Deeues ke l³eevegmeej cegK³e keÀe³ee&ue³e Je 4 MeeKeeb®es efoveebkeÀ 01.07.2022 les 31.03.2023
³ee keÀeueeJeOeerkeÀjerlee kebÀkeÀjbì uesKee leHeemeCeer®es keÀece cesmeme& kesÀ.Heer.meer.Sce. DeB[ kebÀHeveer ³eebvee osC³eele Deeues. lemes®e 3 MeeKeeb®es efovebekeÀ
01.07.2022 les 31.03.2023 ³ee keÀeueeJeOeer®es kebÀkeÀjbì uesKee leHeemeCeer®es keÀece cesmeme& Sue.yeer. Pee DeB[ kebÀHeveer ³eebvee osC³eele
Deeues. l³eebveer kebÀkeÀjbì }sKee leHeemeCeer®es keÀece HetCe& keÀjÀve l³eeb®ee DenJee} meeoj kesÀ}e Deens. kebÀkeÀjbì efnMesye leHeemeCeer®es keÀece yeen³emebmLesceeHe&Àle
keÀjÀve IesC³eele Deeues Deens. Yeejleer³e efjPeJn& yeBkesÀves Debleie&le uesKee Heefj#eCe efJeYeeie le³eej keÀjC³eeme meebefieleues Deens, l³ee®eer Hegle&lee cnCetve mìeHeÀeRie
He@ìve&ceO³es meoj efJeYeeieeceeHe&Àle ueeieCeeN³ee keÀce&®eejer/DeefOekeÀejer ³eeb®eer lejleto keÀjC³eele Deeueer Deens.
• Risk Based Internal Audit efJeYeeie ë- peesKeerce DeeOeejerle Debleie&le uesKee Heefj#eCe efJeYeeie - yeBkesÀves Yeejleer³e efjPeJn& yeBkesÀ®³ee efveoxMeevegmeej,
peesKeerce DeeOeejerle Debleie&le uesKee Heefj#eCe efJeYeeie mLeeHeve keÀjC³ee®es efveefM®ele kesÀues Deens. ³eekeÀjerlee yeBkesÀves meoj efJeYeeieekeÀjerlee efjmkeÀ yesme OeesjCe,
ke´sÀ[erì efjmkeÀ OeesjCe, efueefkeÌJe[erìer efjmkeÀ OeesjCe, Dee@HejsMeveue efjmkeÀ OeesjCe le³eej kesÀues Deens. lemes®e meoj efJeYeeieekeÀjerlee cegK³e peesKeerce DeefOekeÀe-
³eeb®eerner vesceCetkeÀ keÀjC³eele ³esle Deens.
• mee³eyej efmeke̳egefjìer Dee@[erì ë- Yeejleer³e efjPeJn& yeBkesÀves mene³³ekeÀ ceneJ³eJemLeeHekeÀ (Dee³e.ìer.) ³eeb®³eeceeHe&Àle efoveebkeÀ 21 HesÀye´gJeejer 2022
les 25 HesÀye´gJeejer 2022 ³ee keÀeueeJeOeerle yeBkesÀ®es Dee³e.ìer. Heefj#eCe keÀjC³eele Deeues.
• cegK³e DevegHeeueve DeefOekeÀejer (Chief Compliance Officer (CCO))ë- Yeejleer³e efjPeJn& yeBkesÀ®³ee HeefjHe$ekeÀevegmeej, yeBkesÀÜejs cegK³e
DevegHeeueve DeefOekeÀejer efve³egkeÌleer He´efke´À³ee megjÀ keÀjC³eele Deeueer Deens. meoj Heo yeBkesÀves leelHegjl³ee mJejÀHeele Debleie&le DeefOekeÀe-³eeme meoj Heoe®eer
peyeeyeoejer efoueer Demetve meoj Heo HetCe&JesU YejC³ee®eerner He´efke´À³ee megjÀ Deens.
• cegK³e peesKeerce DeefOekeÀejer (Chief Risk Officer (CRO)):-
Yeejleer³e efjPeJn& yeBkesÀ®³ee efo. 25.06.2021 jespeer®³ee HeefjHe$ekeÀeÜejs p³ee veeiejer menkeÀejer yeBkesÀ®eer cee}cellee ©.5000 keÀesìeRHes#ee peemle
Deens Deµee yeBkeÀevee ’cegK³e peesKeerce DeefOekeÀejer“ efve³egkeÌle keÀjC³ee®es efveoxµe efo}s}s Deens. meoj Heo DeÐeeHe efjkeÌle Demetve ³eeyeeyele veJ³eeves Yejleer
He´efke´À³ee megjÀ keÀjC³eele Deeueer Deens.
• cegK³e ceeefnleer megj#ee DeefOekeÀejer (Chief Information Security Officer (CISO)) ë-
Yeejleer³e efjPeJn& yeBkesÀ®³ee HeefjHe$ekeÀevegmeej, yeBkesÀÜejs cegK³e DevegHeeueve DeefOekeÀejer efve³egkeÌleer He´efke´À³ee megjÀ keÀjC³eele Deeueer Deens. l³ee®eer Hegle&lee cnCetve
mìeHeÀeRie He@ìve&ceO³es meoj efJeYeeieeceeHe&Àle ueeieCeejer keÀce&®eejer/DeefOekeÀejer ³eeb®eer lejleto keÀjC³eele ³esTve meoj Heo mejUmesJesves YejC³ee®eer He´efke´À³ee megjÀ Deens.
• JewOeeefvekeÀ efnµesye leHeemeCeer ë-
mee} 2022-2023 ³ee Je<ee&keÀjerlee yeBkesÀves efve³egkeÌle kesÀ}s}s ces.peer.[er. DeeHeìs De@C[ kebÀHeveer ³ee JewOeeefvekeÀ }sKeeHeefj#ekeÀebveer DeeHeu³ee yeBkesÀ®es
}sKeeleHeemeCeer®es keÀece HetCe& kesÀ}s Demetve l³eebveer yeBkesÀme `De` }sKeeHeefj#eCe Jeie& He´oeve kesÀ}e Deens. ces.peer.[er. DeeHeìs De@C[ kebÀHeveer ³eebveer
}sKeeleHeemeCeer keÀe}eJeOeerle yeBkesÀ}e kesÀ}su³ee yengcees} met®evee Je ceeie&oµe&veeyeÎ} meb®ee}keÀ ceb[U l³eeb®es DeeYeejer Deens.
• Yeejleer³e efjPeJn& yeBkesÀ®eer leHeemeCeer ë-
Yeejleer³e efjPeJn& yeBkesÀ®es ceneJ³eJemLeeHekeÀ Þeer. Heer. ieebieìs Je l³eeb®es DeefOekeÀejer ³eebveer DeeHeu³ee yeBkesÀ®eer efoveebkeÀ 01.04.2021 les
31.03.2022 ³ee keÀeueeJeOeer®eer leHeemeCeer kesÀuesueer Deens. l³ee®ee DenJeeue He´eHle Peeuesuee Deens.
13. efµe<³eJe=ll³ee ë-
efJeefJeOe ceev³eleeHe´eHle efJeÐeeHeerþebceOetve Heefnu³ee leerve ke´ÀceebkeÀeves iegCeJellee ³eeoerle ³esCeejs, J³eeJemeeef³ekeÀ Heefj#ee Goe. Sce.yeer.yeer] Sme., yeer.S.Sce.Sme., yeer.
[er.Sme., yeer.S®e.Sce.Sme., yeer.Jner.Sme.meer., meer.S., meer.Sme., Dee³e.meer.[yu³et.S. GlleerCe& nesCeeN³ee meYeemeoeb®³ee Heeuu³eeb®ee lemes®e J³eeJemeeef³ekeÀ
Heefj#ee Goe. Sue.Sue.yeer., ye@®e}j Dee@HeÀ Deeefke&ÀìskeÌ®ej, ye@®e}j Dee@HeÀ HeÀeF&ve Deeì&med, yeer.F&. (HeoJeer), yeer.ìskeÀ ³eeceOetve 70 ìkeÌkesÀ Je l³eeHes#ee DeefOekeÀ
iegCe He´eHle kesÀuesu³ee meYeemeoeb®³ee Heeuu³eeb®ee, l³ee®eHe´ceeCes mHeOee&lcekeÀ Heefj#ee Goe. Dee³e.S.Sme., Dee³e.Heer.Sme., Dee³e.Deej.Sme. ceOetve GlleerCe&
nesCeeN³ee meYeemeoeb®³ee Heeuu³eeb®ee, lemes®e F³ellee 10 Jeer®³ee Heefj#esle 90 ìkeÌkesÀ Je l³eeHes#ee DeefOekeÀ iegCe, F³ellee 12 Jeer ®³ee Heefj#esle 85 ìkeÌkesÀ Hes#ee
DeefOekeÀ iegCe He´eHle keÀjCeeN³ee meYeemeoeb®³ee Heeuu³eeb®ee, lemes®e meYeemeoeb®³ee DeHebie Heeuu³eebmeeþer F³ellee 10 Jeer Je F³ellee 12 Jeer ®³ee Heefj#esle 80

14
ìkeÌkesÀ Je l³eeHes#ee DeefOekeÀ iegCe efceUefJeuesu³eeb®ee (DeHebielJee®³ee vee@cme&He´ceeCes 50 ìkeÌkesÀ Je l³eeHes#ee peemle DeHebielJe Demeuesu³eeb®ee) Je F³ellee 5 Jeer Je
8 Jeer ®³ee Heefj#esle efMe<³eJe=lleer He´eHle keÀjCeeN³ee efJeÐeeL³ee¥®ee, nesceer YeeYee mee³evme meWìj Iesle Demeuesu³ee Heefj#esceO³es megJeCe&, jpele HeokeÀ He´eHle kesÀuesu³ee
meYeemeoeb®³ee Heeuu³eeb®ee lemes®e Sue.peer.Sme., Sue.Sme.peer.[er. Heefj#esle mebHetCe& YeejleeceOetve He´Lece leerve ke´ÀceebkeÀeves GlleerCe& Peeuesu³ee meYeemeoeb®ee,
l³ee®eHe´ceeCes ceneje<ì^ jep³e ueeskeÀmesJee Dee³eesie (Sced.Heer.Smed.meer.) ®³ee keÌueeme-1 DeefOekeÀeN³eeb®eer Heefj#ee GlleerCe& Je keWÀêer³e ueeskeÀmesJee Dee³eesie (³eg.Heer.
Smed.meer.) Heefj#esle GlleerCe& meYeemeo Je meYeemeoeb®³ee Heeuu³eeb®ee iegCeieewjJe keÀjC³eele ³eslees. lemes®e jep³emlejer³e, DeefKeue Yeejleer³e, je<ì^er³e Je Deeblejje<ì^er³e
mlejeJej efJeefJeOe KesUeb®³ee mHeOee¥ceO³es Jew³eefkeÌlekeÀ Je meebefIekeÀ mHeOexceO³es He´Lece leerve ke´ÀceebkeÀ Jee megJeCe&, jewH³e Jee keÀebm³e HeokeÀ He´eHle keÀjCeeN³ee meYeemeoeb®ee
Je meYeemeoeb®³ee Heeuu³eeb®ee ye#eerme jkeÌkeÀce Je He´µeefmleHe$ekeÀ osTve melkeÀej keÀjC³eele ³eslees. ceeieer} keÀener µew#eefCekeÀ Je<ee¥Heemetve iegCeeb®es efve³ece efµeefLe}
keÀjleevee F³ellee 10 Jeer®³ee Heefj#esle 85 ìkeÌkesÀ Je DeefOekeÀ iegCe les 90 ìkeÌke̳eeHes#ee keÀceer lemes®e F³ellee 12 Jeer ®³ee Heefj#esle 80 ìkeÌkesÀHes#ee DeefOekeÀ
iegCe les 85 ìkeÌkesÀ iegCe He´eHle keÀjCee-³ee Heeuu³eeb®ee osKeer} melkeÀej keÀjC³eele Dee}e neslee. meoj efµeefLe}lee mee} 2022-2023 ³ee µew#eefCekeÀ
Je<ee&&meeþer osKeer} }eiet keÀjC³eele Dee}er Deens. F³ellee 5 Jeer Je 8 Jeer ®³ee Heefj#esle efµe<³eJe=lleer He´eHle kesÀ}su³ee, nesceer YeeYee mee³evme meWìj Iesle Demeuesu³ee
Heefj#esceO³es megJeCe&, jpele HeokeÀ He´eHle kesÀuesu³ee meYeemeoeb®³ee Heeuu³eeb®ee He´l³eskeÀer jÀ. 3,000/-Je Dev³e Heeuu³eebvee Je meYeemeoebvee He´l³eskeÀer jÀHe³es
3,500/- mebyebOeerle meYeemeoeb®³ee ye®ele Keel³eeceO³es pecee keÀjÀve DeeefCe He´µeefmleHe$ekeÀ osTve meb®ee}keÀ ceb[UeleHexÀ melkeÀej keÀjC³eele Dee}e. ®ee}t
DeeefLe&keÀ Je<ee&le efceUtve SketÀCe 278 efJeÐeeLeea Je meYeemeoebvee jÀHe³es 9,30,500/- SJe{³ee jkeÀces®es DeefOeoeve keÀjC³eele Dee}s. meb®eeuekeÀ ceb[Ue®³ee
efoveebkeÀ 25.01.2023 jespeer®³ee cebpetjervegmeej, p³ee meYeemeo/meYeemeoeb®³ee Heeuu³eebvee iegCeieewjJe keÀe³e&ke´Àceele efJenerle JesUsle Depe& meeoj keÀjlee Deeues
vemeleerue l³eebvee efoveebkeÀ 28.02.2023 He³e¥le Hegvne cegoleJee{ osC³eele Deeueer. l³eevegmeej l³eeb®eskeÀ[tve Depe& efmJekeÀejC³eele Deeues. ³ee Deveg<ebieeves SketÀCe
32 meYeemeo/meYeemeoeb®³ee Heeuu³eeb®³ee Keel³eele jÀHe³es 1,06,500/- FlekeÀer jkeÌkeÀce pecee keÀjÀve l³eeb®ee melkeÀej keÀjC³eele Deeuee.
ceeieer} Je<eer& keÀe³e&ke´Àcee®³ee meceejesHeeHe³e¥le GHeeqmLele jeefnuesu³ee meYeemeo Je l³eebb®eer Heeuu³es ³eeb®³eemeeþer uee@ìjer HeOoleerves efieHeÌì JneG®ej peenerj keÀjC³eele
Deeues nesles. iegCeieewjJe keÀe³e&ke´Àceeme GHeefmLele jentve melkeÀej keÀjC³eele ³esCeeN³ee meYeemeo Je Heeuu³eebvee He´eslmeenve efceUtve l³eeb®ee ³eLeesef®ele ieewjJe Peeu³ee®es
yeBkesÀme meceeOeeve efceUeues. ³eeJe<eer& osKeerue iegCeieewjJe keÀe³e&ke´Àcee®es efve³eespeve keÀjC³eele ³esle Demetve mebyebOeerle meYeemeoebveer l³eeb®³ee Heeuu³eeb®ee iegCeHeef$ekesÀmen
efoveebkeÀ 31 De@ekeÌìesyej 2023 He³e¥le mebyebOeerle µeeKee keÀe³ee&}³eele DeeHe}e Ye´ceCeOJeveer/otjOJeveer ke´ÀceebkeÀ veceto keÀ©ve Depe& meeoj keÀjeJee.
14. meYeemeo keÀu³eeCe efveOeerceOetve efceUCee-³ee yeef#eme jkeÀcesyeeyele ë-
meYeemeo keÀu³eeCe efveOeerceOetve meYeemeoeme l³ee®³ee efveJe=lleerveblej meYeemeolJee®³ee Heefnu³ee 5 Je<ee&keÀjerlee jÀHe³es 5,000/- Je GJe&efjle He´l³eskeÀ meYeemeolJe
Je<ee&meeþer jÀHe³es 600/- ³eevegmeej yeef#eme jkeÌkeÀce osC³eele ³esles. DenJee} Je<ee&ceO³es meYeemeo keÀu³eeCe efveOeerceOetve meYeemeoebvee yeef#eme jkeÌkeÀcesHeesìer jÀHe³es
4.97 keÀesìer®es DeefOeoeve keÀjC³eele Dee}s Deens.
15. leele[er®eer DeeefLe&keÀ ceole ë-
meYeemeo ce=l³et HeeJeu³eeme l³ee®³ee kegÀìgbyeeme jÀHe³es 5,000/- FlekeÀer DeeefLe&keÀ ceole osC³eele ³esles. DenJee} mee}er 418 meYeemeoeb®³ee kegÀìgbefye³eeme jÀHe³es
20,90,000/- FlekeÀer ceole osC³eele Dee}er.
16. meYeemeo mJeemL³e efveOeer ë-
ceneHeeef}kesÀceO³es megjÀ Deme}s}er ieì efJecee ³eespevee yebo keÀjC³eele Deeu³eecegUs meYeemeoebvee ceneHeeef}kesÀkeÀ[tve JewÐekeÀer³e ceole efceUle vemeu³eeves yeBkesÀves
efoveebkeÀ 01.12.2018 Heemetve, HetJeea Deme}su³ee 32 efJeefJeOe Deepeejeb®³ee ³eeoerceO³es, 48 efJeefJeOe Deepeej DebleYeg&le kesÀ}s Deensle pesCeskeÀjÀve
peemleerle peemle meYeemeoebvee meoj ³eespeves®ee }eYe Ieslee ³esF&}. lemes®e meYeemeoeme osC³eele ³esCeejer JewÐekeÀer³e ceole, meYeemeoeme Pee}su³ee JewÐekeÀer³e Ke®ee&®³ee
Deveg<ebieeves osC³eele ³esles. l³eevegmeej, JewÐekeÀer³e mJeemL³e efveOeerDebleie&le osC³eele ³esCeeN³ee ceoleer®³ee efve³eceebceO³es yeo} kesÀ}s Deensle ë-
De.ke´À. JewÐekeÀer³e Ke®ee&®ee leHeµeer} os³e Deme}s}er JewÐekeÀer³e ceole
meYeemeo (jÀ.) DeJe}befyele (jÀ.)
1. jÀ. 50,000/- les jÀ. 1,00,000/- He³e¥le 10,000/- 5,000/-
2. jÀ. 1,00,001/- les jÀ. 1,50,000/-He³e¥le 12,500/- 7,500/-
3. jÀ. 1,50,001/- les jÀ. 2,00,000/-He³e¥le 15,000/- 10,000/-
4. jÀ. 2,00,001/- les jÀ. 2,50,000/-He³e¥le 20,000/- 12,500/-
5. jÀ. 2,50,001/- Je l³eeHes#ee DeefOekeÀ 25,000/- 15,000/-
jÀ. 50,000/- Hes#ee keÀceer Ke®e& Deme}su³ee JewÐekeÀer³e ceoleer®es Depe& yeBkeÀ efJe®eejele IesCeej veener.

15
 DenJee} Je<ee&le meoj efveOeerceOetve yeBkesÀ®³ee 122 meYeemeoebvee jÀHe³es 16,80,423/- ³ee jkeÀces®eer ceole cebpetj keÀjÀve meoj jkeÀces®es DeefOeoeve
keÀjC³eele Dee}s Deens. efoveebkeÀ 25.03.2020 Heemetve JewÐekeÀer³e ceole Deepeejeb®³ee ³eeoerceO³es keÀesefJe[-19 DebleYeg&le keÀjC³eele Dee}s}e Demetve
meYeemeo keÀesjesveeyeeOeerle Peeu³eeme l³eebveer jÀiCee}³eele oeKe} kesÀu³ee®es keÀeieoHe$es, keÀesefJe[-19 Hee@efPeìerJn DenJee} Je os³ekesÀ meeoj kesÀu³eeme Jejer}
lekeÌl³eevegmeej efve³eceemeeHes#e JewÐekeÀer³e ceole osC³eele ³esles.
17. mebkeÀì efveJeejCe efveOeer ë-
DenJee} mee}er meoj efveOeerceOetve 4 meYeemeoebvee jÀHe³es 1,00,000/- jkeÀces®eer ceole cebpetj keÀjÀve DeefOeoeve keÀjC³eele Dee}s.
meYeemeoebvee vewmeefie&keÀ DeeHelleerle meeHe[u³eecegUs lemes®e DeeieercegUs efkebÀJee obieueercegUs Peeuesu³ee vegkeÀmeeveerkeÀjerlee ©.10,000/- efkebÀJee He´l³e#e Peeuesu³ee
DeeefLe&keÀ vegkeÀmeevee®eer jkeÌkeÀce ³eeHewkeÀer keÀceerle keÀceer jkeÀces®eer DeeefLe&keÀ ceole osC³eele ³esles. lemes®e iebYeerj efkebÀJee He´oerIe& DeepeejecegUs Dee}s}s DeHebielJe efkebÀJee
keÀcekegÀJele Peeu³eeves Heeef}kesÀ®³ee veeskeÀjerceOetve keÀe{tve ìekeÀu³eeme lemes®e veeskeÀjerle Demeleevee keÀe³ee&}³eerve JesUsle meYeemeoe®ee DeHeIeeleer ce=l³et Peeu³eeme jÀHe³es
25,000/- jkeÀces®eer DeeefLe&keÀ ceole osC³eele ³esles. lemes®e meYeemeo JeemleJ³e keÀjerle Demeuesu³ee Keepeieer efkebÀJee ceneHeeefuekesÀ®eer Fceejle keÀesmeUtve keÀener
ogIe&ìvee Peeu³eeme Je meoj ogIe&ìvesceO³es meYeemeo ce=le HeeJeu³eeme jÀHe³es 25,000/- Je ogIe&ìvesceO³es peKeceer Peeu³eeme meYeemeoeme jÀHe³es 20,000/-
FlekeÀer DeeefLe&keÀ ceole efve³eceebmeeHes#e osC³eele ³esles.
keÀesjesvee efJe<eeCet®³ee (keÀesefJe[-19) He´eogYee&JeecegUs yeBkesÀ®es meYeemeo ce=le HeeJeu³eeme l³ee®³ee Jeejmeebme jÀHe³es 25,000/- FlekeÀer DeeefLe&keÀ ceole mebkeÀì
efveJeejCe efveOeerDebleie&le osC³eele ³esles.
18. mesJeeefveJe=lle nesCeeN³ee meYeemeoebvee yeBkesÀ®³ee Debeflece efvekeÀe}er efnµesyee®es DeefOeoeve Hes-Dee@[&j, ye®ele Keeles / Sve.F&.SHeÀ.ìer. Üejs
mesJeeefveJe=lleer®³ee efoJeµeer osC³eeyeeyele ë
mesJeeefveJe=lle nesCee-³ee meYeemeoebvee yeBkesÀleHexÀ MeeKee keÀe³ee&ue³eele Meeue, ÞeerHeÀU, mevceeveef®evn, [HeÀsue ye@ie Je meesyele efveJe=lle meYeemeoebvee efceUCeeN³ee
(Cash Assistance) jkeÀces®es He´ceeCeHe$e osC³eele ³esles Je l³eeb®ee ³eLeesef®ele melkeÀej keÀjC³eele ³eslees. ceneHeeef}kesÀ®³ee mesJesletve efveJe=lle nesCeeN³ee yeBkesÀ®³ee
meYeemeoeb®es Debeflece efvekeÀe}er efnµesye l³eeb®³ee mJele뮳ee pecee jkeÀcesletve cebpetj nesleele Deµee meYeemeoebvee l³eeb®³ee mesJeeefveJe=lleer®³ee efoJeµeer®e Debeflece efvekeÀe}er
efnµesyeeb®es DeefOeoeve Sve.F&.SHeÀ.ìer. Je ye®ele Keel³eeÜejs keÀjC³eele ³esles. DenJee} mee}eceO³es Deµee SketÀCe 2950 meYeemeoebvee mesJeeefveJe=lleer®³ee efoJeµeer®e
Debeflece efvekeÀe}er efnµesyeeb®es DeefOeoeve keÀjC³eele Dee}s. mesJeeefveJe=lle nesCeeN³ee meYeemeoebveer l³eeb®³ee µesDeme& Keeleer pecee Deme}s}er jkeÌkeÀce keÀe{tve ve Ieslee
`efJeµes<e þsJe' cnCetve yeBkesÀle®e þsJeeJeer. meoj `efJeµes<e þsJe' jkeÀcesJej l³ee keÀe}eJeOeerle yeBkesÀle }eiet Deme}su³ee cenllece J³eepe ojeHes#ee SkeÀ ìkeÌkeÀe DeefOekeÀ
J³eepe oj osC³eele ³esF&}. lemes®e mekeÌleer®eer þsJe Keeleer Deme}s}er jkeÌkeÀce keÀe{tve ve Ieslee `mekeÌleer®eer þsJe' cnCetve yeBkesÀle þsJeeJeer Je mekeÌleer®³ee þsJeerJejer}
J³eepe oje®ee }eYe I³eeJee. lemes®e mesJeeefveJe=lle nesCeeN³ee meYeemeoebvee efJevece´ DeeJeenve keÀjC³eele ³esles keÀer, mesJeeefveJe=lleer®³ee JesUer ceneHeeef}kesÀkeÀ[tve
efceUCeejer jkeÌkeÀce DeeHeu³ee yeBkesÀle þsJetve DeekeÀ<e&keÀ J³eepe oje®ee }eYe I³eeJee. þsJeeRJejer} J³eepe DeeHeCe jnele Demeuesu³ee veefpekeÀ®³ee keÀesCel³eener yeBkesÀle
Sve.S.meer.S®e., Sve.F&.SHeÀ.ìer. Üejs pecee keÀjC³eele ³esF&ue.
19. HesvMeve Keeles megefJeOee ë-
DeeHeu³ee yeBkesÀuee ceneHeeefuekesÀves meYeemeoeb®eer HesvMeve DeefOeoeve keÀjCeeN³ee yeBkeÀebceO³es meceeJesMe keÀjeJee cnCetve meb®eeuekeÀ ceb[U He´³elveMeerue nesles. Deelee
DeeHeu³ee yeBkesÀves mJeleë®eer Deej.ìer.peer.Sme., Sve.F&.SHeÀ.ìer. megefJeOee megjÀ kesÀu³eeves ceneHeeefuekesÀves l³eeb®³ee efveJe=lle keÀce&®eeN³eeb®eer HesvMeve Keeles DeeHeu³ee
yeBkesÀle GIe[C³ee®eer HejJeeveieer efoueer Deens Je l³eeHe´ceeCes yeBkesÀves meoj megefJeOee lJejerle megjÀ kesÀueer p³eecegUs Deelee yeBkeÀ meYeemeoeme mesJeeefveJe=lleerveblejner yeBkeÀ
mesJee osC³ee®eer mebOeer He´eHle Peeueer Deens. meoj Keelesoejebvee S.ìer.Sce. megefJeOee osKeer} GHe}yOe Deens. DenJeeue Je<ee&le 330 HesvMeve Keeleer megjÀ keÀjC³eele
Deeueer Deensle. meoj mesJes®ee ueeYe meJe& mesJeeefveJe=lle meYeemeoebveer I³eeJee, ner efJevebleer.
20. He@vekeÀe[& megefJeOee ë
yeBkeÀ meYeemeoebvee He@vekeÀe[& megefJeOee osle Deens. meoj ³eespevesDebleie&le p³ee meYeemeoebvee/ie´enkeÀebvee/$e³emLe J³ekeÌleeRvee He@vekeÀe[& nJes Demeu³eeme lemes®e pegves keÀe[&
yeouetve efkebÀJee ieneU Peeuesues Demeu³eeme veJeerve I³eeJe³ee®es Demeu³eeme yeBkesÀceeHe&Àle jÀHe³es 107/- FlekesÀ MegukeÀ IesTve meoj megefJeOee GHeueyOe keÀjÀve
osC³eele Deeuesueer Deens. Deµee meYeemeo/ie´enkeÀ/$e³emLe J³ekeÌleeR®ee efJevebleer Depe& MeeKee keÀe³ee&ue³ebeceeHe&Àle ³eg.ìer.Dee³e. FvHe´Àemì^keÌ®ej ìskeÌvee@uee@peer DeBC[
meefJn&mesme efue. ³ee kebÀHeveerkeÀ[s HeeþefJeC³eele ³eslees. yeBkesÀ®³ee meJe& meYeemeoebveer/ie´enkeÀebveer meoj megefJeOes®ee ueeYe I³eeJee.
21. ceneHeeef}keÀe menkeÀe³e& ë-
ye=nvcegbyeF& ceneveiejHeeef}keÀe DeeefCe DeeHe}er yeBkeÀ ³eeb®es SkeÀ Deletì veeles Deens. cee.ceneHeeef}keÀe Dee³egkeÌle, cee.DeefleefjkeÌle Dee³egkeÌle, cee.men Dee³egkeÌle,
cee. GHee³egkeÌle, keÀjefveOee&jkeÀ Je mebkeÀ}keÀ, He´cegKe }sKeeHee} (efJelle), He´cegKe uesKeeHeeue (keÀes<eeieej), ceneHeeefuekesÀleerue meJe& jÀiCeeue³eebleerue DeefOe<þelee,
mene³³ekeÀ Dee³egkeÌle, efJeOeer DeefOekeÀejer, ceneHeeefuekeÀe pevemebHeke&À DeefOekeÀejer, Flej meJe& Keeles He´cegKe Je l³eeb®es efJeYeeieeleer} keÀce&®eejer DeeefCe Flej
ceneHeeef}keÀe DeefOekeÀejer ³eebveer JesUesJesUer yeBkesÀme efo}su³ee menkeÀe³ee&yeÎ} meb®ee}keÀ ceb[U l³eeb®es $eÝCeer Deens.
16
22. GuuesKeveer³e Ieìvee ë-
yeBkeÀes ³ee mebmLesleHexÀ meve 2022 keÀjerlee Heieejoej menkeÀejer yeBkeÀ, þsJeer ©. 3500 keÀesìeR®³eeJej ³ee ieìeceO³es ’He´Lece Heeefjleesef<ekeÀ“ Je efo ceneje<ì^
Deye&ve keÀes-Dee@HejsefìJn yeBkeÌmed HesÀ[jsMeve efue. ³eeb®esceeHe&Àle Heieejoej veeskeÀjeb®³ee ieìeleerue meJeexlke=À<ì yeBkeÀ 2022 `efÜleer³e Heeefjleesef<ekeÀ“, Demes oesve
HegjmkeÀej yeBkesÀme He´eHle Peeues.
23. veeskeÀj Yejleer He´efke´À³ee :-
meeue 2021-2022 ®³ee Jeeef<e&keÀ meJe&meeOeejCe meYesle yeBkesÀ®ee mìeefHebÀie He@ìve& cebpetj keÀjC³eele Deeuee Deens. meoj mìeefHebÀie He@ìve&vegmeej yeBkesÀleerue
efJeefJeOe Heoveeceeb®³ee 86 efjkeÌle Heoeb®eer Yejleer He´efke´À³ee menkeÀej Dee³egkeÌle Je efveyebOekeÀ, menkeÀejer mebmLee, ceneje<ì^ jep³e, HegCes ³eebveer jep³eeleerue veeiejer
menkeÀejer yeBkeÀebvee efveie&efcele kesÀuesu³ee DeeosMeeceO³es veceto kesÀuesu³ee mebmLeebHewkeÀer ces. meeleeje efpeune veeiejer menkeÀejer yeBkeÌme DemeesefmeSMeve efue. ³ee mebmLesceeHe&Àle
Dee@veueeF&ve HeOoleerves YejC³ee®eer He´efke´À³ee megª Deens.
24. MeeKeebceOeerue mHeOee&lcekeÀ keÀecekeÀepe ë-
yeBkesÀ®eer 21 MeeKee keÀe³ee&ue³es Demetve ie´enkeÀeme Gllece mesJee He´eHle JneJeer Je keÀce&®eeN³eebceO³es mesJee He´oeve keÀjC³eele iegCeelcekeÀ Je=Ooer JneJeer, MeeKeebceO³es
mHeOee&lcekeÀ keÀecekeÀepe JneJes cnCetve meb®eeuekeÀ ceb[Ueves DeeefLe&keÀ Je<e& 2012-13 Heemetve MeeKeeefvene³e keÀecekeÀepee®es, Jemletefve<þ cegu³eebkeÀve keÀjÀve
meJeexlke=À<ì MeeKesme He´Lece Heeefjleesef<ekeÀ osCes Je ogmeN³ee ke´ÀceekeÀebJejerue MeeKesme `He´eslmeenveHej Heeefjleesef<ekeÀ' osC³eeme megjÀJeele kesÀueer Deens.
25. meYeemeoebvee DeeJeenve ë-
He´l³eskeÀ meYeemeoeves µeeKee keÀe³ee&}³eele peeTve DeeHeu³ee Keel³eeJej Jeejmee®eer l³ee®eHe´ceeCes meO³ee jnele Deme}su³ee JeemleJ³ee®³ee Hell³ee®eer
HegjeJ³eeefveMeer veeWo keÀjeJeer Je leer DeÐe³eeJele þsJeeJeer. lemes®e DeeHeuee Ye´ceCeOJeveer ke´ÀceebkeÀ ye®ele Keel³eeJej veeWoJeeJee pesCeskeÀjÀve SmeSceSme De@ueì&
megefJeOes®ee lemes®e efcem[ keÀe@} De}ì& mesJes®ee ueeYe meYeemeoeme Ieslee ³esF&ue. yengleebMeer meYeemeoeb®eer ye®ele Keeleer DeeHeu³ee yeBkesÀceO³es Deensle. p³ee
meYeemeoeb®eer ye®ele Keeleer DeeHeu³ee yeBkesÀle veJnleer, l³ee meYeemeoeb®eer ye®ele Keeleer yeBkesÀle Metv³e efMeuekesÀves ³ee Deieesoj GIe[C³eele Dee}s}er Deensle,
DeMee meJe& meYeemeoebvee efJevebleer keÀjC³eele ³esles keÀer, l³eebveer mebyebOeerle MeeKesMeer mebHeke&À meeOetve kesÀ.Jee³e.meer. vee@cme&vegmeej mebyebOeerle keÀeieoHe$eeb®eer Hetle&lee
keÀjÀve meoj Keeles efve³eefcele keÀjÀve I³eeJes. p³ee meYeemeoeb®es yeBkesÀkeÀ[s Dev³e ye®ele Keeles Demeu³eeme l³eeves He$eeÜejs meoj ye®ele Keel³ee®eer ceeefnleer
ÐeeJeer pesCeskeÀjÀve Demes ye®ele Keeles meYeemeoe®³ee meer.Dee³e.SHeÀ. yejesyej pees[C³eele ³esF&ue. DeMee meYeemeoeb®es `vees He´Àerue' Keeles yebo keÀjC³eele
³esF&ue. keÀejCe SkeÀe®e meYeemeoe®³ee SkeÀe®e veeJee®eer oesve ye®ele Keeleer þsJelee ³esle veenerle. meJe& meYeemeoeb®es mekeÌleer®³ee þsJeerJejerue J³eepe jkeÌkeÀce
Je ueeYeebMe jkeÌkeÀce meYeemeoeb®³ee yeBkesÀkeÀ[erue ye®ele Keel³eele pecee keÀjC³eele ³esle Deens. DeeefLe&keÀ Je<e& 2015-16 Heemetve mekeÌleer®³ee þsJeerJejerue
J³eepeeJej GiecemLeeveer keÀj keÀHeele (TDS) keÀ©ve GJe&jerle jkeÌkeÀce meYeemeoeb®³ee ye®ele Keeleer pecee keÀjC³eele ³esle Deens. meYeemeoebvee efJevebleer Deens keÀer,
l³eebveer l³eeb®es Helles efHevekeÀes[menerle Je Ye´ceCeOJeveer ke´ÀceebkeÀ DeÐe³eeJele vemeu³eeme keÀjÀve I³eeJesle, pesCeskeÀjÀve yeBkesÀuee l³eeb®³eeMeer mebHeke&À keÀjCes Je Keel³ee®³ee
J³eJeneje®eer ceeefnleer ceesyeeF&ue cesmespe mesJesceeHe&Àle osCes Meke̳e nesF&}.
26. DeO³e#e ë-
DenJee} Je<ee&le mevceeveveer³e ceneHeeefuekeÀe Dee³egkeÌle Je yeBkesÀ®es DeO³e#e Þeer. FkeÌyee} efmebn ®en} ³eeb®³ee He´MeemekeÀer³e mesJes®ee Je He´oerIe& DevegYeJee®ee yeBkesÀ®³ee
meb®eeuekeÀ ceb[Ueme lemes®e He´Meemeveeme Decetu³e ueeYe Peeuee Deens. l³eeb®³ee vesle=lJeeKeeueer yeBkesÀves ®eebieu³ee He´keÀejs He´ieleer meeOe}er Demetve meb®ee}keÀ ceb[U Je
He´µeemeve ³eebvee l³eeb®es yengcetu³e ceeie&oµe&ve }eYe}s Deens. meb®eeuekeÀ ceb[U l³eeyeÎue l³eeb®es Del³eble $eÝCeer Deens. ³eeHeg{s osKeer} l³eeb®³ee vesle=lJeeKee}er yeBkeÀ
efveeqµ®ele®e ves$eoerHekeÀ He´ieleer keÀjs} Je l³eeb®es yengcetu³e ceeie&oµe&ve He´eHle nesle jener}, Demee meb®ee}keÀ ceb[Ueme ¢{ efJeµJeeme Deens.
27. GheeO³e#e ë-
DenJee} Je<ee&le cee. ceneHeeef}keÀe DeefleefjkeÌle Dee³egkeÌle Je yeBkesÀ®es GheeO³e#e Þeer. Heer. Jes}jemet ³eeb®³ee He´µeemekeÀer³e mesJes®ee Je He´oerIe& DevegYeJee®ee yeBkesÀ®³ee
meb®ee}keÀ ceb[Ueme Je He´µeemeveeme Decetu³e }eYe Pee}e Deens. l³eeb®³ee vesle=lJeeKee}er yeBkesÀves ®eebieu³ee He´keÀejs He´ieleer meeOeueer Demetve meb®ee}keÀ ceb[U Je
He´µeemeve ³eebvee l³eeb®es yengcetu³e ceeie&oµe&ve }eYe}s Deens. meb®ee}keÀ ceb[U l³eeyeÎ} l³eeb®es Del³eble $eÝCeer Deens.³eeHeg{s osKeer} l³eeb®³ee vesle=lJeeKee}er yeBkeÀ
efveeqµ®ele®e ves$eoerHekeÀ He´ieleer keÀjs} Je l³eeb®es yengcetu³e ceeie&oµe&ve He´eHle nesle jener}, Demee meb®ee}keÀ ceb[Ueme ¢{ efJeµJeeme Deens.
28. meb®ee}keÀ ceb[U ë-
meYeemeoeb®es efnle melele vepejsmeceesj þsJetve l³eebvee Gllece ie´enkeÀ mesJee DeeefCe DeefOekeÀeefOekeÀ megefJeOee osC³ee®ee He´³elve meb®ee}keÀ ceb[U keÀjerle Demetve l³ee
¢<ìerves efvejblej He´³elve ®ee}t Deensle. yeBkesÀ}e SkeÀ JesieUer efoµee osC³ee®³ee ¢<ìerves He´µeemekeÀer³e megOeejCee, keÀe³ee&}³es DeeefCe µeeKeeb®es DeeOegefvekeÀerkeÀjCe,
mebieCekeÀerkeÀjCe, keÀesDej yeBkeÀeRie, S.ìer.Sce. mLeeefHele keÀjCes, veJeerve ìskeÌvee@}e@peer®ee JeeHej keÀjÀve DeÐe³eeJele yeBkeÀeRie megefJeOee He´oeve keÀjCes Fl³eeoer He´keÀuHe
keÀe³ee&eqvJele kesÀ}s Demetve veefpekeÀ®³ee keÀeUele yeBkesÀ®eer Hele-He´efle<þe Jee{tve yeBkesÀ®es JesieUsHeCe peeCeJes} ³ee ¢<ìerves meb®ee}keÀ ceb[U He´³elveµeer} Deens. DenJee}
mee}er meb®ee}keÀ ceb[Ue®³ee SketÀCe 14 meYee Peeu³ee.
17
 29. yeBkesÀleerue GHe-meefcel³ee ë-
• meJe&meeOeejCe keÀecekeÀepe meefceleer ë-
yeBkesÀ®³ee DeeefLe&keÀ J³eJenejemebyebOeer®es meJe& He´mleeJeeJej ³ee meefceleerle ®e®ee& nesGÀve jÀHe³es 75,000/- jkeÀcesHe³e¥le®es He´mleeJeeme ceev³elee osTve
GJe&efjle He´mleeJeeb®eer meb®ee}keÀ ceb[Ueme efµeHeÀejme kesÀ}err peeles. lemes®e meoj meefceleer®eer efveHeìeje meYee Deolle oeJes, efvekeÀe}er efnµesye Je DeveglHeeoerle
keÀpee&mebyebOeer µeeKesceeHe&Àle nesCeeN³ee HeeþHegjeJee Je Jemeg}ermeboYee&le ceeie&oµe&ve keÀjC³eele ³esles. DenJee} mee}ele meefceleer®³ee 128 meYee Peeu³ee.
• keÀpe&J³eJenej meefceleer ë-
meYeemeoeb®eer keÀpex cebpetj keÀjC³ee®es DeeefCe l³eemebyebOeer®³ee keÀecekeÀepee®es efveCe&³e IesC³ee®es DeefOekeÀej meb®ee}keÀ ceb[Ueves ³ee meefceleerme efo}s Deensle.
DenJee} mee}ele meefceleer®³ee 119 meYee Peeu³ee.
• ie´enkeÀ mesJee leke´Àej efveJeejCe meefceleer ë-
ie´enkeÀ mesJesmebyebOeerle efJeefJeOe OeesjCes, leke´Àejer Je met®eveebkeÀjerlee ie´enkeÀ mesJee leke´Àej efveJeejCe meefceleer®eer mLeeHevee keÀjC³eele Deeueer. DenJeeue Je<ee&le meoj
meefceleer®³ee 7 meYee Peeu³ee.
• uesKee Heefj#eCe meefceleer ë-
Yeejleer³e efjPeJn& yeBkesÀ®³ee leHeemeCeer DeefOekeÀeN³eebveer mebieCekeÀ, meuueeieej, efJeOeer Je }sKee Heefj#eCe meefceleer®es efJeYeepeve keÀjC³ee®es efveoxMe efoues nesles.
l³eevegmeej meefcel³eeb®es efJeYeepeve keÀjÀve mJeleb$e uesKee Heefj#eCe meefceleer®eer mLeeHevee keÀjC³eele Deeueer. uesKee Heefj#eCe DenJee}eJej ®e®ee& keÀ©ve Hetle&lee
DenJee} ceeieefJeCes ³ee peyeeyeoeN³ee meoj meefceleerJej meesHeefJeC³eele Deeu³ee Deensle. DenJee} mee}err ³ee meefceleer®³ee SketÀCe 15 meYee Peeu³ee.
• mebieCekeÀ,meuueeieej Je efJeOeer meefceleer ë-
yeBkesÀle mebHetCe& mebieCekeÀerkeÀjCee®³ee o=<ìerves Ghe³egkeÌle Demes efveCe&³e IesCes lemes®e yeBkesÀ®es O³es³e, OeesjCe efJekeÀeme DeejeKe[e þjefJeCes, keÀe³eosefJe<e³ekeÀ yeeyeer
neleeUCes n³ee peyeeyeoeN³ee meoj meefceleerJej meesHeefJeC³eele Deeu³ee Deensle. DenJee} mee}err ³ee meefceleer®³ee SketÀCe 79 meYee Peeu³ee.
• keÀce&®eejer meefceleer ë-
keÀce&®eeN³eebmebyebOeer®³ee efJe<e³eeJej efveCe&³e IesC³ee®es DeefOekeÀej ³ee meefceleer®es Demetve DenJee} Je<ee&le ³ee meefceleer®³ee SketÀCe 14 meYee Peeu³ee.
• peesKeerce J³eJemLeeHeve meefceleer ë-
Yeejleer³e efjPeJn& yeBkesÀ®³ee efveoxMeevegmeej, peesKeerce J³eJemLeeHeve meefceleer®eer mLeeHevee meeue 2022-23 ceO³es keÀjC³eele Deeueer. meoj meefceleer®eer SkeÀ
meYee Peeueer.
• veeceebkeÀve Je ceesyeouee meefceleer ë-
Yeejleer³e efjPeJn& yeBkesÀ®³ee efveoxMeevegmeej, veeceebkeÀve Je ceesyeouee meefceleer®eer mLeeHevee meeue 2021-2022 ceO³es keÀjC³eele Deeueer.
• Fceejle Kejsoer/JeeìeIeeìer meefceleer ë-
cegK³e keÀe³ee&}³e Fceejleer®es vetleveerkeÀjCe keÀ©ve yejer®e Je<ex keÀe}eJeOeer Peeu³eeves Fceejleer®es F}sefkeÌì^keÀ} DeeeqCe Svepeea Dee@[erì osKeer} keÀjC³eele
Dee}s Demetve, He´eHle DenJee}evegmeej DeeJeµ³ekeÀ keÀeces keÀjC³ee®es efveeqµ®ele keÀjC³eele Dee}s Deens.
yeBkesÀ®³ee cegK³e keÀe³ee&}³e Fceejleer®ee }erpe keÀe}eJeOeer ceens cee®e& 2024 ceO³es mebHeg<ìele ³esle Demetve cegK³e keÀe³ee&}³e Fceejleer®³ee mebj®eveelcekeÀ
Heefj#eCe DenJee}evegmeej Fceejle KetHe pegveer Demeu³eeves YeefJe<³eele og©mleer keÀjCes ke´ÀceHe´eHle Deens. meoj yeeyeeR®ee meefJemlej efJe®eej keÀjlee yeBkesÀ®³ee
cegK³e keÀe³ee&}³eekeÀjerlee veJeerve cee}keÀer®eer peeiee Kejsoer keÀjC³ee®ee ceeveme meb®ee}keÀ ceb[Ueves J³ekeÌle kesÀ}e Demetve l³eevegmeej keÀe³e&Jeener keÀjC³eele
³esle Deens. veJeerve cee}keÀer®eer peeiee Kejsoer keÀjC³eekeÀjerlee DeeJeµ³ekeÀ efveOeer®eer GHe}yOelee keÀjC³ee®es efveeqµ®ele keÀjC³eele Dee}s Deens. ³eekeÀjerlee
Fceejle Kejsoer/JeeìeIeeìer meefceleer mLeeHeve keÀjC³eele Deeueer Demetve cegK³e keÀe³ee&ue³ee®³ee ¢<ìerves ³eesi³e DeMeer Jeemlet efceUefJeC³eemeeþer He´³elve ®eeuet
Deensle. meoj meefceleer®³ee 18 meYee Peeu³ee.
• Dee³e.Sme. uesKee Heefj#eCe meefceleer ë-
yeBkesÀleerue leebef$ekeÀ Ie[ecees[er lemes®e veefJeve meeryeerSme mLeueeblej He´efke´À³es yeeyeleerle ceeefnleer osC³eele ­³esles. DenJeeue Je<ee&le meefceleer®³ee SketÀCe oesve meYee
Peeu³ee.
• efJeMes<e meefceleer (Special Committee for Monitoring Fraud):-
HeÀmeJeCetkeÀerefJejÀOo He´efleyebOeelcekeÀ Ghee³e³eespevee keÀjC³eemeeþer meoj meefceleer®eer mLeeHevee keÀjC³eele Deeueer.

18
• ceefnuee ueQefiekeÀ Del³ee®eej meefceleer (He´efleyebOe mebj#eCe Je efveJeejCe) ë-
ceefnueeb®³ee ueQefiekeÀ íUeefJejÀOo He´efleyebOe mebj#eCe Je efveJeejCe keÀe³eoe 2013 Debleie&le ye@bkesÀleerue ceefnueeb®³ee ueQefiekeÀ íUeb®³ee leke´Àejer®es efveJeejCe
keÀjC³eekeÀjerlee leke´Àej efveJeejCe meefceleer ieþerle keÀjC³eele Deeueer.
• FvHeÀe@cexµeve efmeke̳egefjìer efmemìerce keÀefceìer ë-
DenJee} Je<ee&le ³ee meefceleer®³ee SketÀCe 2 meYee Peeu³ee.
• DeukeÀes meefceleer (Demesì uee³eefyeefueìer keÀefceìer) ë-
DenJee} Je<ee&le ³ee meefceleer®³ee SketÀCe 4 meYee Peeu³ee.
30. ÞeOoebpe}er ë-
yeBkesÀ®es meb®eeuekeÀ kewÀ. efJeueeme oe. HeJeej ³eeb®es DekeÀeueer ogëKeo efveOeve Peeu³eeves lemes®e DenJee} Je<ee&le pes meYeemeo Je yeBkeÀ keÀce&®eejer ce=le Pee}s l³eeb®³eeyeÎue
meb®ee}keÀ ceb[U ogëKe He´keÀì keÀjerle Demetve l³eeb®³ee kegÀìgbefye³eeb®³ee ogëKeele meb®ee}keÀ ceb[U Je mecemle keÀce&®eejerJeb=o menYeeieer Deens.
31. meefo®íe ë-
DenJee} mee}er yeBkesÀ®es pes meYeemeo Je keÀce&®eejer efveJe=lle Pee}s l³eebvee Gllece Deejesi³e Je oerIee&³eg<³e }eYees Deµeer meefo®íe meb®ee}keÀ ceb[UeleHexÀ ceer J³ekeÌle
keÀjerle Deens.
32. $eÝCeefveoxµe ë-
yeBkesÀ®es meYeemeo, þsJeeroej, efnleef®eblekeÀ, Yeejleer³e efjPeJn& yeBkeÀ, cegbyeF& efpeune ceO³eJeleea menkeÀejer yeBkeÀ, menkeÀej Dee³egkeÌle Je efveyebOekeÀ, menkeÀejer mebmLee,
men-efveyebOekeÀ, efpeune GHe-efveyebOekeÀ Je GHe-efveyebOekeÀ `S' efJeYeeie Je l³eeb®es keÀe³ee&ue³eeleerue keÀce&®eejer/DeefOekeÀejer, ceneje<ì^ jep³e menkeÀejer yeBkeÀ, ceneje<ì^ jep³e
menkeÀejer yeBkeÌmed HesÀ[jsµeve, ye=nvcegbyeF& veeiejer menkeÀejer yeBkeÌmed DemeesefmeSµeve, Yeejleer³e yeBkeÀ mebIe, ve@µeve} HesÀ[jsµeve Dee@HeÀ Deye&ve keÀes-Dee@HejsefìJn yeBkeÌmed,
veJeer efou}er, menkeÀejer mebmLee, ve@Meveue HesceWì keÀe@Hees&jsMeve Dee@HeÀ Fbef[³ee efue., efkeÌueDejeRie keÀe@HeexjsMeve Dee@HeÀ Fbef[³ee efue., DeO³e#e, keÀes-Dee@HejsefìJn yeBkeÀ
ScH}e@F&pe ³egefve³eve, ceneje<ì^ ScH}e@F&pe yeBkeÌmed keÀes-Dee@HejsefìJn DemeesefmeSµeve cegbyeF&, cesmeme& meerSpe ìskeÌvee@}e@peer ef}., cesmeme& veeF&ì efHeÀbìskeÀ efjme®e& He´e.
ef}., Dee³e.[er.yeer.Dee³e. yeBkeÀ (mee³eve µeeKee), cesmeme& mkeÀesDejìskeÀ, cesmeme& oejeMee@ DeeefCe kebÀ.He´e. efue., cesmeme& JewkegbÀþ cesnlee ve@µeve} Feqvmììîegì
Dee@HeÀ keÀes-Dee@HejsìerJn ce@vespeceWì, ceneHeeefuekesÀ®³ee efJeefJeOe keÀe³ee&ue³eeleerue DeefOekeÀejer/keÀce&®eejer lemes®e keÀUle - vekeÀUle DenJee} mee}ele p³eeb®es
yeBkesÀ}e menkeÀe³e& Je ceewefKekeÀ ceeie&oMe&ve }eYe}s l³ee meJee¥®es meb®ee}keÀ ceb[Ue®³ee Jeleerves ceer DeeYeej ceevelees. meb®ee}keÀ ceb[Ue®³ee meJe& meom³eebkeÀ[tve efceUle
Deme}su³ee menkeÀe³ee&yeÎ} ceer J³eefkeÌleµeë meJee¥®ee DeeYeejer Deens.
mebmLes®eer He´ieleer meYeemeo, Keelesoej, mebmLes®es J³eJemLeeHeve lemes®e mebmLes®³ee efnleef®eblekeÀebJej DeJe}byetve Demeles. ³ee He´ieleerceO³es keÀce&®eejer/DeefOekeÀejer ³eeb®eer
efve<þe, l³eebveer meYeemeoebvee efo}s}er mesJee lemes®e J³eJemLeeHeveeme efo}s}e men³eesiener cenlJee®ee Deens. keÀce&®eejer Je J³eJemLeeHeve ³eeb®es mebyebOe meueesK³ee®es Deensle.
yeBkesÀ®³ee keÀecekeÀepeele keÀce&®eejer ceveeHeemetve keÀece keÀjerle Deensle Je ³eeHeg{sner keÀjleerue Demee efJeMJeeme Jeeìlees. meb®ee}keÀ ceb[U yeBkesÀ®³ee efoJemeWefoJeme nesle
Deme}su³ee He´ieleeryeÎ} meYeemeo, Keelesoej, efnleef®eblekeÀ lemes®e yeBkeÀ DeefOekeÀejer DeeefCe keÀce&®eeN³eeb®ee $eÝCeer Deens.
meb®ee}keÀ ceb[Ue®³ee Jeleerves Je Jew³eefkeÌlekeÀefjl³ee ceer DeeHe}s Hegveëµ®e DeeYeej J³ekeÌle keÀjlees.

DeeHe}e mvesnebefkeÀle,

(efJeµJeeme µebkeÀjJeej)
keÀe³ee&O³e#e

19
 Heesìefve³eceele megef®ele yeoue
Heesìefve³ece efJeÐeceeve Heesìefve³ece metef®ele Heesìefve³ece megOeejCee keÀjC³ee®es keÀejCe
ke´ÀceebkeÀ
10. meeceev³e meYeemeo ë
(1) (De) cegbyeF& ceneveiejHeeef}kesÀ®³ee mece³eJesleve ÞesCeerleer} yeo} veener. õ
DeKeb[erle mesJesle Deme}su³ee DeeefCe keÀjej keÀjC³eeme
me#ece Deme}su³ee Je efle®es/l³ee®es keÀesCel³eener
He´keÀej®³ee yeBkeÀ Keeleer keÀceerle keÀceer jÀHe³es 500/-
pecee yeekeÀer Demesue DeMee ceneveiejHeeef}kesÀ®³ee
keÀesCel³eener keÀce&®ee-³ee}e ³ee yeBkesÀ®es HeefjHetCe&,
meYeemeolJe Keg}s jener}.
(ye) cegbyeF& ceneveiejHeeefuekeÀe yeBkesÀ®eer meYeemeo jent MekesÀue. JeieUC³eele ³eeJee. efo c³egefveefmeHe} keÀes-Dee@HejsefìJn yeb@keÀ ner Heieejoej keÀce&®ee-³eeb®eer yeBkeÀ
Demeu³eecegUs kesÀJeU cegbyeF& ceneveiejHeeef}kesÀ®³ee mece³eJesleve ÞesCeerleer}
DeKeb[erle mesJesle Deme}su³ee DeeefCe keÀjej keÀjC³eeme me#ece Deme}su³ee
Je efle®es/l³ee®es keÀesCel³eener He´keÀej®³ee yeBkeÀ Keeleer keÀceerle keÀceer jÀHe³es
500/- pecee yeekeÀer Demesue DeMee ceneveiejHeeef}kesÀ®³ee keÀesCel³eener
keÀce&®ee-³ee}e ³ee yeBkesÀ®es HeefjHetCe&, meYeemeolJe Keg}s Deens.
(2) yeBkesÀ®es meeceev³e meYeemeo cnCetve Keeueerue efouesu³ee
³eeoer J³eefleefjkeÌle keÀesCel³eener J³ekeÌleerme meYeemeo
cnCetve efmJekeÀejues peeCeej veener ë-
(De) me%eeve Demeuesueer Je Fbef[³eve keBÀevì^keÌì De@keÌì 1872 yeo} veener õ
®³ee keÀuece 11 keÀjej keÀjC³eeme Hee$e Demeuesueer
J³ekeÌleer.
(ye) mLeeefvekeÀ mJejep³e mebmLee JeieUC³eele ³eeJee. efo c³egefveefmeHe} keÀes-Dee@HejsefìJn yeb@keÀ ner Heieejoej keÀce&®ee-³eeb®eer yeBkeÀ
(ueeskeÀue De@eLe@eefjìer). Demeu³eecegUs kesÀJeU cegbyeF& ceneveiejHeeef}kesÀ®³ee mece³eJesleve ÞesCeerleer}
DeKeb[erle mesJesle Deme}su³ee DeeefCe keÀjej keÀjC³eeme me#ece Deme}su³ee
Je efle®es/l³ee®es keÀesCel³eener He´keÀej®³ee yeBkeÀ Keeleer keÀceerle keÀceer jÀHe³es
500/- pecee yeekeÀer Demesue DeMee ceneveiejHeeef}kesÀ®³ee keÀesCel³eener
keÀce&®ee-³ee}e ³ee yeBkesÀ®es HeefjHetCe&, meYeemeolJe Keg}s Deens.
11. mekeÌleer®³ee þsJeerJejerue J³eepee®ee oj DeeefLe&keÀ Je<ee&leerue
mekeÌleer®³ee þbsJeerJejerue J³eepee®ee oj DeeefLe&keÀ Je<ee&leerue cegole ceeieerue keÀener Je<ee¥Heemetve yeBkesÀme meelel³eeves veHeÀe nesle Deens Je cegole
(4) (HeÀ) cegole þsJeerJejerue peemleerle peemle mejemejer J³eepe þsJeerJejerue peemleerle peemle mejemejer J³eepe ojevegmeej osC³eele þsJeerJejerue mejemejer J³eepe oj keÀceer nesle Deens. yeBkesÀ®³ee meYeemeoebvee
ojevegmeej osC³eele ³esF&ue. Heg{erue DeeefLe&keÀ Je<ee&ceO³es
³esF&ue. p³ee meYeemeoeb®es meYeemeolJe mesJeeefveJe=lle DeLeJee Dev³e mekeÌleer®³ee þsJeerJejerue J³eepe ³eesi³e ojeves efceUC³eekeÀjerlee meYeemeoebvee
peesHe³e¥le J³eepee®ee oj efveefM®ele nesle veener leesHe³e¥le
keÀejCeemleJe J³eepe oj peenerj keÀjC³eeHetJeea mebHeg<ìele ³esle Demesue osC³eele ³esCee-³ee mekeÌleer®³ee þsJeerJejerue J³eepeemebyebOeer efveCe&³e IesC³ee®es
pes meYeemeo mesJeeefveJe=lle DeLeJee Dev³e keÀejCeemleJe
DeMee meYeemeoebvee JejerueHe´ceeCes J³eepeoj ueeiet nesF&ue. leLeeefHe DeefOekeÀej meb®eeuekeÀ ceb[Ueme osC³eele ³esle Deens.
yeBkesÀ®³ee HeìeJejÀve keÀceer nesleele, DeMee meYeemeoebvee
meb®eeuekeÀ ceb[U mekeÌleer®³ee þsJeerJej peeoe J³eepe oj osC³ee®eer
mekeÌleer®³ee ye®ele þsJeerJej J³eepe ceeieerue Je<eea Ieesef<ele
Iees<eCee keÀ© MekeÀleele. cee$e peeoe J³eepeoje®ee efveCe&³e yeBkesÀ®eer
keÀjC³eele Deeuesu³ee J³eepeeHe´ceeCes osC³eele ³esF&ue.veHeÀe MekeÌleer peer He´#esefHele veHeÀeleesìe He$ekeÀevegmeej efveefM®ele keÀ©ve
l³eevegmeej meoj DeeefLe&keÀ Je<ee&keÀjerlee efveefM®ele nesF&ue. meoj
efveCe&³e ns Yeejleer³e efjPeJn& yeBkesÀ®³ee JesUesJesUer efveie&efcele Peeuesu³ee
ceeie&oMe&keÀ lelJeevegmeej Demesue. Ieesef<ele kesÀuesuee DeefleefjkeÌle
mekeÌleer®³ee þsJeerJejerue J³eepe oj ne p³ee k³ekeÌleer®es veeJe DeeefLe&keÀ
Je<ee&le 31 cee®e& jespeer veeWoCeerke=Àle meYeemeo cnCetve yeBkesÀ®³ee Keeles
HegmlekeÀele Demesue l³eeme Deoe keÀjC³eele ³esF&ue.
11. keÀesCeleener meYeemeo yeBkesÀ®es 250 Hes#ee peemle MesDeme& keÀesCeleener meYeemeo yeBkesÀ®es 350 Hes#ee peemle MesDeme& OeejCe keÀ© ceeieerue keÀener Je<ee¥Heemetve yeBkesÀves meYeemeoeb®³ee Yeeie Yeeb[Jeue jkeÀcesle Jee{
(5) (ye) OeejCe keÀ© MekeÀCeej veener. MekeÀCeej veener. kesÀuesueer veener. lemes®e yeBkesÀ®eer meYeemeo mebK³ee yejer®e keÀceer nesle Deens.
yeBkesÀ®³ee Yeeie Yeeb[JeueeceO³es Jee{ keÀjC³eekeÀjerlee meoj yeeye He´mleeefJeueer
Deens.

20
 AMENDMENT TO BYE-LAWS

Bye-laws Existing Bye-law Proposed Bye-law Reasons for Amendment

No.
ORDINARY MEMBER:
10. The full-fledged membership of the No change __
(i) (a) bank will be open to any employee
of the Municipal Corporation of
Greater Mumbai who is in the
continuous service in a time scale
and is competent to contract and he/
she shall have any type of account
with a minimum credit balance of Rs.
500/- may be admitted as a Ordinary
Member.
(b) The Municipal Corporation of Greater Delete The Municipal Co-op.Bank Ltd., Mumbai
Mumbai can be a member of the is a Salary Earner's Bank. The full-fledged
Bank. membership of the bank will be open only to any
employee of the Municipal Corporation of Greater
Mumbai who is in the continuous service in a time
scale and is competent to contract and he/she
shall have any type of account with a minimum
credit balance of Rs. 500/- may be admitted as a
Ordinary Member.
ii) No person shall be admitted as an
ordinary member of the Bank except
the following, namely :
(a) An individual, competent to contract No Change --
under section 11 of the Indian Contract
Act, 1872,
(b) Local authority Delete The Municipal Co-op.Bank Ltd., Mumbai
is a Salary Earner's Bank. The full-fledged
membership of the bank will be open only to any
employee of the Municipal Corporation of Greater
Mumbai who is in the continuous service in a time
scale and is competent to contract and he/she
shall have any type of account with a minimum
credit balance of Rs. 500/- may be admitted as a
Ordinary Member.
11 The rate of interest on Compulsory The rate of interest on Compulsory Deposit account The bank has been consistently making profit for
(iv) (f) Deposit account for the year shall for the year shall be the average of the highest the last few years and the average interest on
be the average of the highest term term deposit rate paid during the financial year. The term deposits has been declining. The Board of
deposit rate paid during the financial
member retiring or ceasing to be member before Directors is empowered to take decision on the
declaration of rate of interest in the next financial
year. The member retiring or ceasing reasonable interest rate payable on Compulsory
to be member before declaration of year shall be paid in the same manner as above, Deposits to the members.
rate of interest in the next financial
However Board of Directors may sanction additional
year shall be paid interest at the rate
rate of interest on compulsory deposit, the rates
declared during preceding financialwill be ascertain on the basis of projected Profit &
year. Loss Account of that financial year in conformity with
guidelines issued by Reserve Bank of India from time
to time.
The additional interest rate declared on Compulsory
Deposit shall be paid to the person whose name
stands as the registered member in the Books of
the Bank on the 31st March of the year to which
additional interest rate declared.
11 No member shall hold more than 250 No member shall hold more than 350 shares of the Bank has not increased Members Share Capital
(v) (b) shares of the Bank. Bank. for many years. Our Bank’s membership have
been continuously declining. Hence to increase
Bank’s Share Capital, Bank’s has proposed to
raise Share Capital.

21
 Heesìefve³ece efJeÐeceeve Heesìefve³ece
ke´ÀceebkeÀ
19 veececee$e meYeemeo
(De) Yeejleer³e efjPeJn& yeBkesÀ®³ee efveoxMeevegmeej efyeiej
meYeemeoeme yeBkesÀleerue cegole þsJeer Je mekeÌleer®³ee þsJeer
leejCeeJej keÀpe& I³eeJe³ee®es Demesue lej DeMee J³ekeÌleerme
veececee$e meYeemeo keÀ©ve IesC³eele ³esF&ue. meoj keÀpee&®eer
mebHetCe& HejleHesÀ[ Peeu³eeJej veececee$e meYeemeolJe jÎ
nesF&ue.
efyeiej meYeemeo Heleer Je Helveer ³eebvee ie=nkeÀpee&meeþer
peeefceveoej jeneJe³ee®es Demesue lemes®e meb³egkeÌle
keÀjejveec³eele meYeemeoe®es veeJe He´Lece Je efyeiej
meYeemeoe®es veeJe ogmejs Demesue DeMeeJesUer meYeemeoe®es
Heleer efkebÀJee Helveer ³eebvee yeBkesÀ®es veeceOeejer meYeemeo
neslee ³esF&ue. keÀpe& HejleHesÀ[ Peeu³eeveblej meoj efyeiej
meYeemeoe®es veeceOeejer meom³elJe jÎ nesF&ue.
22 p³ee meYeemeoebveer jeefpeveecee osTve Yeeie Yeeb[Jeue
(2) keÀe{tve Iesleues Deens, DeMee meYeemeoebvee jeefpeveecee
efou³eeHeemetve efkeÀceeve SkeÀ Je<ee¥He³e¥le Hejle yeBkesÀ®es
meYeemeolJe efceUC³eeme HejJeeveieer efoueer peeCeej veener.
yeBkesÀ®es Hegvne meYeemeolJe ceeieCee-³ee J³ekeÌleeruee, efleves
ceeefieleuesu³ee MesDeme&®³ee jkeÀcesJ³eefleefjkeÌle ©.20/-
HegveHe´&JesMe MegukeÀ YejeJes ueeiesue.
39 efveJe[CetkeÀ keÀe³e&keÀeU
(ie) yeBkeÀ oj 5 Je<ee¥veer meb®eeuekeÀeb®eer efveJe[CetkeÀ Iesles.
efJeÐeceeve GHeefJeOeerceO³es keÀesCeleener efJeefMe<ì keÀe³e&keÀeU
veceto kesÀuesuee veener.
42 meb®eeuekeÀ ceb[Ue®es keÀe³ee&O³e#e Je GHe-keÀe³ee&O³e#e JeieUC³eele ³eeJee.
(1) ³eeb®es DeefOekeÀej Je keÀeces keÀe³ee&O³e#eebvee Keeueerue
(ie) DeefOekeÀej Je keÀe³ex Heej Hee[eJeer ueeieleerue ë-
yeBkesÀ®³ee meJe&meeOeejCe keÀeceeJej osKejsKe keÀjCes.
53. ie=nkeÀpe& keÀjejveec³eeceO³es yeBkesÀ®³ee meYeemeoe®³ee
(ie) Heleer efkebÀJee Helveer®es veeJe meb³egkeÌleHeCes Demeu³eeme yeBkeÀ
ie=nkeÀpe& osT MekeÀles. cee$e DeMeeJesUer meYeemeoe®es
veeJe He´Lece Je efyeiej meYeemeoe®es veeJe efÜleer³e Demeues
Heeefnpes.
53. yeBkesÀ®³ee GHeefJeOeerceO³es meoj yeeye meceeefJe<ì veener.
(Ie)
58. jeKeerJe efveOeer ë
([) efovebekeÀ 31 cee®e& DeKesj one Je<ee&Hes#ee peemle
keÀe}eJeOeer®es meYeemeobeveer ceeieCeer ve kesÀ}s}s Debeflece
oeJes ³ee jkeÀcee pecee keÀjlee ³esleerue.
22
metef®ele Heesìefve³ece
(De) Yeejleer³e efjPeJn& yeBkesÀ®³ee efveoxMeevegmeej efyeiej meYeemeoeme
yeBkesÀleerue cegole þsJeer Je mekeÌleer®³ee þsJeer leejCeeJej keÀpe& I³eeJe³ee®es
Demesue lej DeMee J³ekeÌleerme veececee$e meYeemeo keÀ©ve IesC³eele ³esF&ue.
meoj keÀpee&®eer mebHetCe& HejleHesÀ[ Peeu³eeJej veececee$e meYeemeolJe jÎ
nesF&ue.
ie=nkeÀpe& He´keÀjCeele meb³egkeÌle keÀjejveec³eele efyeiej meYeemeo Heleer/
Helveer ³eeb®es veeJe He´Lece efkebÀJee efÜleer³e Demeu³eeme, ie=nkeÀpe&
cebpetj keÀjleevee efyeiej meYeemeo Heleer DeLeJee Helveerme veeceOeejer
meYeemeo keÀ©ve IesC³eele ³esF&ue. ie=nkeÀpe& cebpetj keÀjleevee meb³egkeÌle
keÀjejveec³eele meYeemeoe®³ee Heleer efkebÀJee HelveerJ³eefleefjkeÌle Jeef[ue Je
cegueiee, Jeef[ue Je DeefJeJeenerle cegueieer, DeeF& Je cegueiee, DeeF& Je
DeefJeJeenerle cegueieer, YeeT YeeT (ie=nkeÀpe& Depe& keÀjlesJesUer oesIesner
YeeT SkeÀe®e Iejele jenCes DeeJeM³ekeÀ lemes®e Iej Iesleu³eeveblejmegOoe
oesIesner SkeÀ$e jenCes DeeJeM³ekeÀ) ³eeHe´ceeCes veelesJeeF¥keÀeb®es meb³egkeÌle
keÀjejveec³eeceO³es efÜleer³e veeJe Demeu³eeme ie=nkeÀpee&meeþer Hee$e
þjefJeC³eele ³esF&ue. keÀpe& HejleHesÀ[ Peeu³eeveblej meoj efyeiej
meYeemeoe®es veeceOeejer meom³elJe jÎ nesF&ue.
p³ee meYeemeoebveer jeefpeveecee osTve Yeeie Yeeb[Jeue keÀe{tve Iesleues
Deens, DeMee meYeemeoebvee jeefpeveecee efou³eeHeemetve efkeÀceeve 6
ceefnv³eebveblej Hegvne yeBkesÀ®es meYeemeolJe He´eHle nesF&ue.
yeBkesÀ®es Hegvne meYeemeolJe IesCee-³ee J³ekeÌleeruee MesDeme&®³ee
jkeÀcesJ³eefleefjkeÌle ©.20/- HegveHe´&JesMe MegukeÀ YejeJes ueeiesue.
yeBkesÀ®³ee meb®eeuekeÀ ceb[Ue®eer efveJe[CetkeÀ oj 5 Je<ee¥veer nesF&ue.
ie=nkeÀpe& keÀjejveec³eeceO³es yeBkesÀ®³ee meYeemeoe®³ee Heleer/Helveer®es
veeJe He´Lece/efÜleer³e Demeu³eeme Je meoj meYeemeoeme ie=nkeÀpe&
cebpetj keÀjlesJesUer efyeiej meYeemeo Heleer/Helveerme veeceOeejer meYeemeo
keÀjC³eele ³eeJes. keÀpe& HejleHesÀ[ Peeu³eeveblej meoj efyeiej meYeemeoe®es
veeceOeejer meom³elJe jÎ nesF&ue.
ie=nkeÀpe& cebpetj keÀjleevee meb³egkeÌle keÀjejveec³eele meYeemeoe®³ee Heleer
efkebÀJee HelveerJ³eefleefjkeÌle Jeef[ue Je cegueiee, Jeef[ue Je DeefJeJeenerle
cegueieer, DeeF& Je cegueiee, DeeF& Je DeefJeJeenerle cegueieer, YeeT YeeT
(ie=nkeÀpe& Depe& keÀjlesJesUer oesIesner SkeÀe®e Iejele jenCes DeeJeM³ekeÀ
lemes®e Iej Iesleu³eeveblejmegOoe oesIesner SkeÀ$e jenCes DeeJeM³ekeÀ)
³eeHe´ceeCes veelesJeeF¥keÀeb®es meb³egkeÌle keÀjejveec³eeceO³es efÜleer³e veeJe
Demeu³eeme ie=nkeÀpee&meeþer Hee$e þjefJeC³eele ³esF&ue.
keÀpe& HejleHesÀ[ Peeu³eeveblej meoj efyeiej meYeemeoe®es veeceOeejer
meom³elJe jÎ nesF&ue.
JeieUC³eele ³eeJee.
megOeejCee keÀjC³ee®es keÀejCe
yengleebMeer meYeemeo efJeke´Àer keÀjejveecee/Heleer/Helveer®³ee yejesyej efkebÀJee
jkeÌlee®³ee veelesJeeF&keÀebmeesyele meb³egkeÌle keÀjejveecee keÀjleele. ³eevegmeej meoj
yeeyeleerle keÀe³eosMeerj cele He´eHle kesÀues Demelee, meoj meYeemeoeme ie=nkeÀpee&®ee
ueeYe osC³eemeeþer meoj yeoue He´mleeefJele keÀjC³eele ³esle Deens.
yeBkesÀ®eer meYeemeo mebK³ee ceneveiejHeeefuekesÀleerue l³eeb®eer mesJee mebHeg<ìele
Deeu³eecegUs Je keÀener meYeemeo l³eeb®³ee DeeefLe&keÀ efvekeÀ[ercegUs yeBkesÀ®³ee
meYeemeolJee®ee jeefpeveecee osle Demetve l³eeb®eer DeeefLe&keÀ efmLeleer megOeeju³eeJej
Hejle yeBkesÀ®es meYeemeo nesT Fef®íleele. lemes®e ceneHeeefuekesÀle ceesþ³ee
He´ceeCeele veeskeÀjYejleer nesle veener l³ee®ee ¢M³e HeefjCeece yeBkesÀ®³ee
meYeemeolJeeJej nesle Deens.
ceneje<ì^ menkeÀejer mebmLee keÀe³eoe 1960 vegmeej yeBkesÀ®³ee meb®eeuekeÀ
ceb[Ue®eer efveJe[CetkeÀ oj 5 Je<ee¥veer nesF&ue. lemes®e Yeejleer³e efjPeJn& yeBkesÀves
l³eeb®³ee leHeemeCeer DenJeeueeceO³es meoj keÀe³e&keÀeU yeBkesÀ®³ee GHeefJeOeerceO³es
DebleYet&le keÀjC³ee®es efveoxMe efoues Deens.
yeBkesÀ®³ee meJe&meeOeejCe keÀecekeÀepeeJej osKejsKe keÀjC³ee®eer peyeeyeoejer
yeBkesÀ®³ee He´µeemevee®eer Deens.
yengleebMeer meYeemeo efJeke´Àer keÀjejveecee/Heleer/Helveer®³ee yejesyej efkebÀJee
jkeÌlee®³ee veelesJeeF&keÀebmeesyele meb³egkeÌle keÀjejveecee keÀjleele. ³eevegmeej meoj
yeeyeleerle keÀe³eosMeerj cele He´eHle kesÀues Demelee, meoj meYeemeoeme ie=nkeÀpee&®ee
ueeYe osC³eemeeþer meoj yeoue He´mleeefJele keÀjC³eele ³esle Deens.
yengleebMeer meYeemeo efJeke´Àer keÀjejveecee/Heleer/Helveer®³ee yejesyej efkebÀJee
jkeÌlee®³ee veelesJeeF&keÀebmeesyele meb³egkeÌle keÀjejveecee keÀjleele. ³eevegmeej meoj
yeeyeleerle keÀe³eosMeerj cele He´eHle kesÀues Demelee, meoj meYeemeoeme ie=nkeÀpee&®ee
ueeYe osC³eemeeþer meoj yeoue He´mleeefJele keÀjC³eele ³esle Deens.
Yeejleer³e efjPeJn& yeBkesÀ®³ee HeefjHe$ekeÀ ke´ÀceebkeÀ
DeejyeerDee³e/2013-14/527/ [eryeerDees[er ke´À. [erF&SSHeÀ
mes}. yeermeer.101/30.01.002/ 2013-14 efovebekeÀ
21.03.2014 vegmeej JeieUC³eele ³esle Deens.
meoj yeeye Yeejleer³e efjPeJn& yeBkesÀves Keeueer veceto kesÀuesu³ee yeoueevegmeej
He´mleeefJele keÀjC³eele ³esle Deens ë-
keÀener þsJeerb®ee Je jkeÀces®ee J³ekeÌleerkeÀ[tve/mebmLeskeÀ[tve 10 Je<ee&Hes#ee peemle
keÀeueeJeOeerkeÀjerlee oeJee ve Peeu³eeme meoj jkeÌkeÀce Yeejleer³e efjPeJn& yeBkesÀ®³ee
DEAF HebÀ[eceO³es Jeie& keÀjC³eele ³eeJeer, Hejbleg JesUesJesUer Yeejleer³e efjPeJn&
yeBkesÀ®³ee efveie&efcele nesCee-³ee ceeie&oMe&keÀ lelJeevegmeej efveCe&³e IesC³eele ³esF&ue.
Bye-laws Existing Bye-law
No.
19 NOMINAL MEMBER :
(a) Non member person, who desire to
borrow against his/her term Deposit/
Compulsory Deposit with our Bank,
as permitted by Reserve Bank of India
may be enrolled as Nominal Member.
His/her Nominal Membership shall
cease on repayment of entire Bank
Loan.
Non Member, who is spouse of
the Member, who desire to remain
guarantor for Housing loan availed
from our bank by the member which
Agreement to Sale/Sale Deed
includes the name of the Member
as a first purchaser and name of
the Member’s spouse as second
purchaser. The member’s spouse
may be enrolled as Nominal Member.
His/her Nominal Membership shall
cease on repayment of entire Bank
Loan.
22 A member who withdraws/resigns
(ii) his membership shall not be allowed
to become a member again for a
period of one year from the date of
withdrawal of membership.
Any person seeking re-admission to
membership of the Bank shall pay
re-admission fee of Rupees twenty in
addition to the amount of the shares
applied for by him.
39 TENURE OF ELECTION
(G) There is no specific tenure period of
Bank’s Directors election mentioned
in existing Byelaws
42. POWERS AND FUNCTIONS OF THE
1) CHAIRMAN AND VICE-CHAIRMAN
(g) The Chairman shall have the following
powers and functions:
To supervise the general working of
the Bank.
53 Housing Loan may be granted to
(g) member for purchase of House in
which Agreement to Sale/Sale Deed
includes the name of member as a first
purchase and the name of member’s
spouse as a second purchaser.
(h) Not included in Existing Bye-Laws.
58. RESERVE FUND :
(d) Unclaimed final claims of the members
over a period of 10 years ending with
31st March shall be carried to the
Reserve Fund.
Proposed Bye-law Reasons for Amendment
(a) Non member person, who desire to borrow Normally the agreements of Home Loans are
against his/her term Deposit/Compulsory Deposit jointly with the spouse or with the blood relatives
with our Bank, as permitted by Reserve Bank of India of the member.
may be enrolled as Nominal Member. To give such loans with joint agreement, legal
His/her Nominal Membership shall cease on opinion has obtained. To make eligible such
repayment of entire Bank Loan. members this amendment is proposed.
Non member, who is spouse of the member, who
desire to remain guarantor for Housing Loan availed
from our Bank by the member as a first purchaser
or second purchaser. The member’s spouse may
be enrolled as Nominal Member. His/ Her nominal
membership shall cease on repayment of entire Bank
loan.
Non member who is blood relative of the member such
as father-son, father-unmarried daughter, Mother-son,
Mother-Unmarried daughter, Brother-Brother (in case
of real brothers both should be resides in same house
at the time of application of loan and after possession
of flat/house) who desire to remain guarantor for
Housing Loan availed from our Bank by the member
as a first purchaser and the name of blood relative as
second purchaser. The member’s blood relative may
be enrolled as Nominal Member. His/Her membership
shall cease on repayment of entire Bank loan.
A member who withdraws/ resigns his membership Bank’s membership is declining every year due
shall not be allowed to become a member again for to retirement from Brihanmumbai Municipal
a period of Six Months from the date of withdrawal Corporation some of our members resigns
of membership. Bank’s membership for their urgent financial
Any person seeking re-admission to membership needs. Once they are out of financial crunch they
of the Bank shall pay re-admission fee of Rupees again wants to enroll for membership. Further
twenty in addition to the amount of the shares there is no mass recruitment in Brihanmumbai
applied for by him. Municipal Corporation hence it adversely affected
membership of our Bank.
Bank shall conduct its election after every five years. As per Maharashtra Co-op. Societies Act 1960
Bank shall conduct its election after every five
years. Reserve Bank of India in their Inspection
Report instructed to incorporate the tenure of
election in Bank’s Bye Laws.
Delete To supervise the general working is the
responsibility of Bank Administration.
Housing Loan may be granted to member for Normally the agreements of Home Loans are
purchase of House in which Agreement to Sale/ jointly with the spouse or with the blood relatives
Sale Deed includes the name of member as a First of the member. To give such loans with joint
purchaser OR second purchaser. agreement, legal opinion has obtained. To
make eligible such members this amendment is
proposed
Housing Loan may granted to member for purchase Normally the agreements of Home Loans are
of House in which Agreement to Sale/Sale Deed jointly with the spouse or with the blood relatives
includes the name of member as a first purchaser of the member. To give such loans with joint
and the name of the member’s blood relative such as agreement, legal opinion has obtained. To
father- son, father- unmarried daughter, Mother- son, make such members eligible this amendment is
Mother- Unmarried daughter, Brother- Brother (In proposed.
case of real brothers both should be resides in same
house at the time of application of loan and after
possession of flat/house) as a second purchaser
name of the member as a first purchaser or second
purchaser.
Deleted Deleted as per R.B.I. Circular No.
RBI/2013-14/527/DBOD.NO.
DEAF Cell.B.C.101/30.01.002/ 2013-14
dated 21.03.2014.
We have proposed the same subject to following
modification in bye-laws as per RBI instructions
:- “any deposit or any amount remaining
unclaimed for more than ten years shall be
credited to the DEA Fund of RBI, in terms of
guidelines issued by RBI from time to time”.
23
 BALANCE SHEET / leeUsyebo He$ekeÀ
AS ON MARCH 31, 2023 / efo. 31 cee®e&, 2023 DeKesj®es

(Amount in `)
Capital and Liabilities Schedule Current Year/ Previous Year/
Yeeb[Jeue Je osCeer HeefjefMe<ì ®eeuet Je<e& ceeieerue Je<e&
31.03.2023 31.03.2022

1) Capital Yeeb[Jeue 1 1,43,50,96,800 1,47,64,72,000

2) Reserve Fund & Other Reserves jeKeerJe efveOeer Je Flej efveOeer 2 6,44,85,67,675 5,57,28,62,762

3) Deposits & Other Accounts þsJeer Je Flej Keeleer 3 38,28,66,72,589 37,63,98,12,133

4) Borrowings keÀpex 4 - -

5) Overdue Interest Reserve on Loans & Advances

8,98,64,676 8,48,08,699
(As per Contra) LeefkeÀle J³eepe efveOeer

6) Interest Payable J³eepe osCes 54,21,55,531 39,16,24,458

7) Other Liabilities Flej osCeer 5 4,19,33,67,381 3,70,27,48,134

8) Profit & Loss veHeÀe Je leesìe 6 1,47,65,77,166 1,33,63,36,916

Total SketÀCe 52,47,23,01,819 50,20,46,65,101

Contingent Liabilities : DeekeÀefmcekeÀ oeef³elJes 13 8,11,37,939 7,16,02,562

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

For M/S G D APTE & CO

CHARTERED ACCOUNTANTS
FIRM REG.NO.100515W

(CA SAURABH S PESHWE)

PARTNER
M.NO. 121546

PLACE : MUMBAI
DATE : 23.06.2023

24
 (Amount in `)
Property and Assets Schedule Current Year/ Previous Year/
Yeeb[Jeue Je osCeer HeefjefMe<ì ®eeuet Je<e& ceeieerue Je<e&
31.03.2023 31.03.2022

1) Cash jesKe 7 33,35,95,852 38,79,21,111

2) Balances with other Banks Flej yeBkeÀeleerue efMeuuekeÀ 8 7,95,10,12,272 8,37,83,14,690

3) Money at Call and Short Notice - -

4) Investments iegbleJeCetkeÀ 9 11,62,07,11,168 11,51,85,15,885

5) Advances keÀpex 10 28,69,79,25,977 26,52,83,16,055

6) Interest Receivable J³eepe ³esCes

i. On Investments iegbleJeCegkeÀerJejerue 21,22,84,667 19,15,57,854

ii. On Loans & Advances (As per Contra) keÀpee&Jejerue 8,98,64,676 8,48,08,699

7) Bills Receivable Being Bills for Collection as per Contra - -

8) Branch Adjustments MeeKee pegUCeer - -

9) Fixed Assets mLeeJej ceeueceÊee 11 3,55,35,142 4,27,35,347

10) Deffered Tax Asset ef[HeÀ[& keÀj ceeueceÊee 27,32,47,834 17,94,22,368

11) Other Assets keÀj ceeueceÊee 12 3,25,81,24,229 2,89,30,73,091

Total SketÀCe 52,47,23,01,819 50,20,46,65,101

SIGNATURE TO THE ACCOUNTS INCLUDING SCHEDULE & NOTES ON ACCOUNTS

FOR THE MUNICIPAL CO-OPERATIVE BANK LTD.MUMBAI

V.H.RAVADKA M.D.BANGAR V. A. MALI V.V.SHANKARWAR

GENERAL MANAGER DIRECTOR DIRECTOR CHAIRMAN

25
 PROFIT & LOSS ACCOUNT / veHeÀe leesìe He$ekeÀ
AS ON MARCH 31, 2023 / efo. 31 cee®e&, 2023 DeKesj®es
(Amount in `)
Expenditure Current Year Previous Year
Ke®e& ®eeuet Je<e& ceeieerue Je<e&
31.03.2023 31.03.2022
1) Interest on Deposits, Borrowings, etc. þsJeer Je keÀpee&Jejerue J³eepe 2,01,41,48,333 2,11,12,13,425
2) Salaries and Allowances, Provident Fund Heieej DeeefCe YeÊes, YeefJe<³e efveOeer HebÀ[ 33,78,11,292 34,76,08,604
3) Directors’ and local committee members’ fees and allowances
70,51,797 67,47,096
meb®eeuekeÀ Je mLeeefvekeÀ meefceleer meom³eeb®eer HeÀer Je YeÊes
4) Rent, Taxes, Insurance, Lighting, etc. Yee[s, keÀj, Jeercee, Jeerpe F. 3,81,51,654 3,74,51,888
5) Law Charges JekeÀerue Je meuuee HeÀer 10,41,530 3,70,650
6) Postage, Telegram and Telephone charges ìHeeue, ìsefueHeÀesve Ke®e& 10,14,977 11,97,998

7) Auditor’s fees efnMesye leHeemeveermeeb®eer HeÀer 51,46,535 53,72,465

8) Depreciation on and repair to property Iemeeje Ke®e& 1,15,49,677 1,38,55,323

9) Stationery, printing and advertisement, etc. íHeeF&, mìbsMevejer DeeefCe peeefnjele 27,94,061 18,23,281
10) Loss from sale of or dealing with non-banking assets - -
11) Other Expenditure : Flej Ke®e&
i) General Body Meeting Expenses Jeeef<e&keÀ meJe&meeOeejCe meYee Ke®e& 35,37,303 26,13,383
ii) Deposit Insurance Premium þsJeerJejerue efJec³ee®ee nHlee 4,48,32,078 4,65,48,250
iii) Conveyance He´Jeeme Ke®e& 4,72,128 6,53,835
iv) Computer Expenses mebieCekeÀ Ke®e& 3,17,11,861 2,93,55,320
v) Miscellaneous Expenses mebkeÀerCe& Ke®e& 6,21,54,837 6,11,40,208
vi) Paysheet recovery Charges (MCGM) HesMeerì efjkeÀJnjer DeekeÀej (cegbyeF& ceneveiej HeeefuekeÀe) 11,17,981 12,15,368
vii) Service charges Clearing RBI meceeMeesOeve mesJee DeekeÀej 28,662 25,122
viii) Security Hire charges megj#ee mesJee MegukeÀ 65,75,401 72,74,606
ix) Amortisation of Premium on Securities keÀpe&jesKes ®e{YeeJe Ke®e& 18,28,107 19,39,629
x) Contribution towards Staff Retirement Benefit Fund Heieejer jpeskeÀjerlee lejleto 7,00,62,153 9,16,83,000
xi) Election Expenses efveJe[CetkeÀ Ke®e& 30,00,000 30,00,000
xii) Gratuity for Staff keÀce&®eeN³eebkeÀjerlee ie´®³egFìer 48,45,816 3,06,79,730
xiii) CGST Paid meer peer Sme ìer 87,39,062 1,39,39,138
xiv) SGST Paid Sme peer Sme ìer 87,39,062 1,39,39,138
xv) IGST Paid Dee³e peer Sme ìer 81,876 5,57,640
24,77,26,328
12) Provisions : lejleto
i) Provision for Standard Asset mì@C[[& ceeueceÊesmeeþer lejleto 69,00,000 50,00,000
ii) Provision for bad and Doubtful Debts yegg[erle Je DeeefveefM®ele keÀpee&keÀjerlee lejleto 26,17,00,000 7,42,00,000
26,86,00,000

2,93,50,36,183 2,90,94,05,097

13) Provision for Income Tax Dee³ekeÀj keÀjerlee lejleto 36,70,00,000 31,29,00,000

14) Net Profit carried to Balance Sheet efveJJeU veHeÀe 92,46,99,165 80,94,51,302

Total SketÀCe 4,22,67,35,348 4,03,17,56,399

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

For M/S G D APTE & CO

CHARTERED ACCOUNTANTS (CA SAURABH S PESHWE)
FIRM REG.NO.100515W PARTNER PLACE : MUMBAI
M.NO. 121546 DATE : 23.06.2023

26
 (Amount in `)
Income Current Year Previous Year
GlHeVe ®eeuet Je<e& ceeieerue Je<e&
31.03.2023 31.03.2022
1) Interest & Discount J³eepe DeeefCe keÀefceMeve 4,06,17,08,127 3,97,10,96,132

2) Octroi Commission DeekeÀej keÀefceMeve 4,02,08,406 -

3) Insurance Agency Commission Dee³egefJe&cee Hee@efuemeerJejerue keÀefceMeve 2,312 21,438

4) Other Receipts Flej ³esCeer

Dividend on shares of MDCC yeBskesÀ®³ee YeeieeJejerue ueeYeebMe cegbyeF& efpeune ceO³eJeleea keÀes-Dee@He.yeBkeÀ efue. - 15,15,000
5) Miscellaneous Receipts mebkeÀerCe& ³esCeer
i) Penalty recovered from Contractor kebÀ$eeìoejekeÀ[tve kesÀuesueer ob[ Jemegueer®eer jkeÌkeÀce 10,78,992 7,85,190
ii) Commission on Miscellaneous Other Flej mebkeÀerCe& keÀefceMeve 37,87,409 42,87,249
iii) Service Charges from N.P.C.I. Sve.Heer.meer.Dee³e keÀ[tve efceUeuesues mesJee MegukeÀ 40,28,551 38,39,719
iv) Commission on Pay Order Hes Dee@[&jJejerue keÀefceMeve 97,174 87,977
v) Incidental Charges Deveg<ebefiekeÀ MegukeÀ 50,72,528 57,63,962
vi) Safe Deposit Locker’s Rent. uee@keÀj Yee[s 18,72,608 22,78,555
vii) Processing Charges for Hsg.Loan ie=n keÀpee&meebþer He´esmesefmebie MegukeÀ 7,82,405 41,581
viii) Other Miscellaneous Receipt. Flej mebefkeÀCe& ³esCeer 40,36,282 83,54,595
ix) Service Tax set off 100% mesJeekeÀj mesì Dee@HeÀ - 1,26,64,174
x) Profit on sale of Fixed Asset efmLej ceeueceÊes®³ee efJeke´ÀerJejerue veHeÀe 4,35,268 2,46,786
xi) Commission on ATM Transaction SìerSce J³eJenejeleerue keÀefceMeve 86,19,734 82,38,681
xii) Commission on POS Transaction Hee@me J³eJenejeleerue keÀefceMeve 2,98,265 24,84,962
xiii) Comm Recd on UPI ³egHeerDee³e J³eJenejeleerue keÀefceMeve 6,30,841 -25,61,534
xiv) Conversion Charges HSG Loan ie=nkeÀpee&Jej ©HeeblejCe MegukeÀ 8,085 48,963
xv) Profit on sale of vehicle 2,42,895 -

6) Deffered tax Income ef[HeÀ[& GlHeVe 9,38,25,466 1,25,62,968

Total SketÀCe 4,22,67,35,348 4,03,17,56,399

SIGNATURE TO THE ACCOUNTS INCLUDING SCHEDULE & NOTES ON ACCOUNTS

FOR THE MUNICIPAL CO-OPERATIVE BANK LTD.MUMBAI

V.H.RAVADKA M.D.BANGAR V. A. MALI V.V.SHANKARWAR

GENERAL MANAGER DIRECTOR DIRECTOR CHAIRMAN

27
 Schedules Forming Part Of Accounts leeUsyebo He$ekeÀe®ee Yeeie yeveCeejs Heefjefµe<ì
For the year Ended 31st March 2023 efo. 31 cee®e&, 2023 DeKesj®es
SCHEDULE 1 - CAPITAL Yeeb[Je} (Amount in `)
Current Year Previous Year
®eeuet Je<e& ceeieerue Je<e&
31.03.2023 31.03.2022
i) Authorised Capital :
3,00,00,000 Shares of Rs.100/- each 3,00,00,00,000 3,00,00,00,000
(Previous year 3,00,00,000 shares of Rs.100/- each)
DeefOeke=Àle Yeeie Yeeb[Jeue :
3 ],00,0,000 Yeeie He´l³eskeÀer ©. 100/- ®ee
(cee. Je. 3,00,00,000 Yeeie He´l³eskeÀer ©. 100/-®ee)
Subscribed & Called up Capital : 1,43,50,96,800 1,47,64,72,000
1,43,50,968 Shares of Rs.100/- each
(Previous year 1,47,64,720 shares of Rs.100/- each)
1,43,50,968 Yeeie He´l³eskeÀer ©. 100/- ®ee
(cee. Je. 1,47,64,720 Yeeie He´l³eskeÀer ©. 100/-®ee)
Of the above held by:
a) Individuals Jew³eefkeÌlekeÀ 1,43,50,96,800 1,47,64,72,000
b) Co-operative institutions menkeÀejer mebmLee - -
c) State Government jep³e menkeÀej - -
*Under the item “individuals” include shares held by the institutions other
than co-operative institutions and state government are included as per The
Banking Regulation Act,1949.
Total SketÀCe 1,43,50,96,800 1,47,64,72,000
SCHEDULE 2 - RESERVE FUND & OTHER RESERVES jeefKeJe efveOeer Je Flej efveOeer (Amount in `)
Current Year Previous Year
®eeuet Je<e& ceeieerue Je<e&
31.03.2023 31.03.2022
i) Statutory Reserve Jew³eefkeÌlekeÀ efveOeer
Opening balance DeejbefYe®eer efMeuuekeÀ 1,91,36,42,070 1,73,22,02,848
Add : Appropriation DeefOekeÀ ë veHeÀe efJeYeeieCeer 19,92,22,084 18,14,05,549
Add: Addition during the year DeefOekeÀ ë Je<e&Yejeleerue pecee 52,292 33,673
2,11,29,16,446 1,91,36,42,070
ii) Building Fund Fceejle efveOeer
Opening balance DeejbefYe®eer efMeuuekeÀ 29,36,11,667 26,86,11,667
Add : Appropriation DeefOekeÀ ë veHeÀe efJeYeeieCeer 14,15,00,000 2,50,00,000
43,51,11,667 29,36,11,667
iii) Dividend Equalisation Fund meceleesue veHeÀe JeeìCeer efveOeer 15,66,26,076 15,66,26,076
iv) Special Bad Debts Reserve efJeMes<e yegef[le keÀpex efveOeer - -
v) A) BAD & DOUBTFUL DEBTS RESERVE yegef[le Je DeefveefM®ele keÀpex efveOeer
Opening Balance DeejbefYe®eer efMeuuekeÀ 59,22,56,831 51,80,56,831
Add : Provision during the Year DeefOekeÀ ë Je<e&Yejeleerue lejleto 26,17,00,000 7,42,00,000
Less: Write Off during the Year Jepee ë Je<e&Yejeleer} efve}xefKele keÀpex 2,67,47,744
82,72,09,087 59,22,56,831

28
 (Amount in `)
Current Year Previous Year
®eeuet Je<e& ceeieerue Je<e&
31.03.2023 31.03.2022
B) B.D.D.R. (ALLOWED UNDER INCOME TAX ACT) 29,49,77,514 29,49,77,514
yegef[le Je DeefveefM®ele keÀpex (Dee³ekeÀj efve³eceevegmeej)
vi) PROVISION FOR STANDARD ASSETS mìB[[& ceeueceÊesmeeþer lejleto
Opening Balance DeejbefYe®eer efMeuuekeÀ 10,59,49,072 10,09,49,072
Add : Provision during the Year DeefOekeÀ ë Je<e&Yejeleerue pecee 69,00,000 50,00,000
11,28,49,072 10,59,49,072
vii) SPECIAL RESERVES U/s 36 (i) (viii) Keeme ë efveOeer 36(1)(8) Debleie&le 25,12,000 25,12,000
viii) SURETYSHIP GUARANTEE FUND peeefcevekeÀer nceer efveOeer
Opening Balance DeejbefYe®eer efMeuuekeÀ 78,90,93,143 68,93,84,461
Add: Appropriation DeefOekeÀ ë veHeÀe efJeYeeieCeer 2,00,00,000 4,00,00,000
Add: Addition during the year DeefOekeÀ ë Je<e&Yejeleerue pecee 3,10,34,000 3,48,41,869
Add:- Recovery from written off accounts DeefOekeÀ ë efveuexefKele keÀpee¥®eer Jemegueer 2,72,58,648 1,51,08,106
Less: Write off of Branch Jepee ë efveuexefKele 18,000 1,40,930
Less: Write Off during the Year Jepeeë Je<e&Yejeleerue efveuexefKele keÀpex - 3,63,52,176
Add: Int on earmarked Govt.securities DeefOekeÀ ë efveOee&efjle MeemekeÀer³e efmeke̳egefjìerpeJej J³eepe 5,22,02,941 4,62,51,813
91,95,70,732 78,90,93,143
ix) INVESTMENT DEPRECIATION RESERVE / keÀpe& jesKes Ieì efveOeer
Opening Balance DeejbefYe®eer efMeuuekeÀ 4,22,97,801 2,97,97,801
Add: Appropriation DeefOekeÀ ë veHeÀe efJeYeeieCeer 2,50,00,000 1,25,00,000
6,72,97,801 4,22,97,801
x) MEDICAL AID FUND meYeemeo mJeemLe efveOeer
Opening balance DeejbefYe®eer efMeuuekeÀ 8,93,80,499 7,77,65,499
Add: Appropriation DeefOekeÀ ë veHeÀe efJeYeeieCeer 2,50,00,000 1,50,00,000
Less:Payments during the year Jepee ë Je<e&Yejeleerue efouesueer jkeÌkeÀce 16,80,423 33,85,000
11,27,00,076 8,93,80,499
xi) CALAMITY FUND mebkeÀì efveJeejCe efveOeer
Opening Balance DeejbefYe®eer efMeuuekeÀ 5,59,91,570 3,23,41,570
Add: Appropriation DeefOekeÀ ë veHeÀe efJeYeeieCeer 25,00,000 2,50,00,000
Less:Payments during the year Jepee ë Je<e&Yejeleerue efouesueer jkeÌkeÀce 1,00,000 13,50,000
5,83,91,570 5,59,91,570
xii) EDUCATION FUND efMe#eCe efveOeer
Opening Balance DeejbefYe®eer efMeuuekeÀ 18,38,07,361 15,09,17,973
Add: Appropriation DeefOekeÀ ë veHeÀe efJeYeeieCeer 3,98,44,417 3,62,81,110
Less:Payments during the year Jepee ë Je<e&Yejeleerue efouesueer jkeÌkeÀce 37,25,870 33,91,722
21,99,25,908 18,38,07,361

29
 (Amount in `)
Current Year Previous Year
®eeuet Je<e& ceeieerue Je<e&
31.03.2023 31.03.2022
xiii) RESERVE FOR REPAIR & RENOVATION og©mleer Je vegleveerkeÀjCeemeeþer efveOeer
Opening balance DeejbefYe®eer efMeuuekeÀ 8,70,78,926 8,29,66,387
Add: Appropriation DeefOekeÀ ë veHeÀe efJeYeeieCeer 1,00,00,000 50,00,000
Less:Payments during the year Jepee ë Je<e&Yejeleerue efouesueer jkeÌkeÀce 10,71,283 8,87,460
9,60,07,644 8,70,78,926
xiv) MEMBERS WELFARE FUND meYeemeo keÀu³eeCe efveOeer
Opening balance DeejbefYe®eer efMeuuekeÀ 51,64,27,879 51,00,12,607
Add: Appropriation DeefOekeÀ ë veHeÀe efJeYeeieCeer 4,00,00,000 1,25,00,000
Add: Interest credited during the year DeefOekeÀ ë Je<e&Yejeleerue J³eepe pecee 3,40,52,033 3,05,04,227
Add: Interest on MWF contribution DeefOekeÀ ë meYeemeo keÀu³eeCe Jeie&CeerJejerue J³eepe 86,10,857 97,18,863
Add. Rectification DeefOekeÀ ë 18,200
Less: Cash Assistance Jepee ë jesKe mene³³e 4,97,37,470 4,63,07,818
54,93,71,499 51,64,27,879
xv) RESERVE FOR CONTINGENCIES
Opening balance DeejbefYe®eer efMeuuekeÀ 1,96,62,015 1,72,92,015
Add: Appropriation during the year DeefOekeÀ ë veHeÀe efJeYeeieCeer 50,00,000 50,00,000
Less: Payments during the year Jepee ë Je<e&Yejeleerue efouesueer jkeÌkeÀce 20,90,000 26,30,000
2,25,72,015 1,96,62,015
xvi) COMPUTER FUND mebieCekeÀ efveOeer
Opening balance DeejbefYe®eer efMeuuekeÀ 15,75,06,537 14,25,06,537
Add: Appropriation DeefOekeÀ ë veHeÀe efJeYeeieCeer 1,40,00,000 1,50,00,000
17,15,06,537 15,75,06,537
xvii) DEVELOPMENT FUND efJekeÀeme efveOeer 90,833 90,833
xviii) STAFF WELFARE FUND keÀce&®eejer keÀu³eeCe efveOeer
Opening balance DeejbefYe®eer efMeuuekeÀ 1,76,57,906 1,78,39,917
Add: Appropriation DeefOekeÀ ë veHeÀe efJeYeeieCeer 25,00,000 25,00,000
Less: Payments during the year Jepee Je<e&Yejeleerue efouesueer jkeÌkeÀce 14,62,963 26,82,011
1,86,94,943 1,76,57,906
xix) RESERVE FOR SAFE DEPOSIT VAULT megjef#ele pecee keÀ#e efveOeer 20,90,833 20,90,833
xx) INVESTMENT FLUCTUATION FUND DeefmLej iebgleJeCetkeÀ efveOeer
Opening balance DeejbefYe®eer efMeuuekeÀ 22,35,02,365 12,00,02,365
Add: Appropriation DeefOekeÀ ë veHeÀe efJeYeeieCeer 1,50,00,000 10,35,00,000
23,85,02,365 22,35,02,365
xxi) SOCIAL OBLIGATION FUND meeceeefpekeÀ yeebefOeuekeÀer efveOeer
Opening balance DeejbefYe®eer efMeuuekeÀ 89,73,279 74,73,279
Add: Appropriation DeefOekeÀ ë veHeÀe efJeYeeieCeer - 15,00,000
Less: Payments during the year Jepee ë Je<e&Yejeleerue efouesueer jkeÌkeÀce 1,27,068
88,46,211 89,73,279

30
 (Amount in `)
Current Year Previous Year
®eeuet Je<e& ceeieerue Je<e&
31.03.2023 31.03.2022
xxii) RETIRED MEMEBER WELFARE FUND efveJe=Êe meYeemeo keÀu³eeCe efveOeer
Opening balance DeejbefYe®eer efMeuuekeÀ 1,97,26,585 1,86,41,178
Add: Appropriation DeefOekeÀ ë veHeÀe efJeYeeieCeer 25,00,000 25,00,000
Less: Payments during the year Jepee ë Je<e&Yejeleerue efouesueer jkeÌkeÀce 14,29,737 14,14,593
2,07,96,848 1,97,26,585
Total SketÀCe 6,44,85,67,675 5,57,28,62,762

SCHEDULE 3 - DEPOSITS & OTHER ACCOUNTS þsJeer Je Flej Keeleer (Amount in `)

Current Year Previous Year
®eeuet Je<e& ceeieerue Je<e&
31.03.2023 31.03.2022
i) FIXED DEPOSITS Jepee ë Je<e&Yejeleerue efouesueer jkeÌkeÀce
a) Individuals Jew³eefkeÌlekeÀ 5,17,26,01,173 4,83,43,91,640
b) Central Co-operative Banks ceO³eJeleea menkeÀejer yeBkeÀ
c) Other Societies Flej meesmee³eìer®³ee 1,05,18,01,341 1,13,22,76,387
(i) 6,22,44,02,514 5,96,66,68,027
ii) COMPULSORY DEPOSITS mekeÌleer®³ee þsJeer
a) Individuals Jew³eefkeÌlekeÀ 10,85,94,26,682 10,77,52,55,858
b) Central Co-operative Banks ceO³eJeleea menkeÀejer yeBkeÀ
c) Other Societies Flej meesmee³eìer®³ee
(ii) 10,85,94,26,682 10,77,52,55,858
iii) SAVING DEPOSITS ye®ele þsJeer
a) Individuals Jew³eefkeÌlekeÀ 9,71,78,13,479 9,35,17,45,407
b) Central Co-operative Banks ceO³eJeleea menkeÀejer yeBkeÀ
c) Other Societies Flej meesmee³eìer®³ee 7,25,23,498 8,99,53,961
(iii) 9,79,03,36,977 9,44,16,99,369
iv) RECURRING DEPOSITS DeeJele& þsJeer
a) Individuals Jew³eefkeÌlekeÀ 11,47,63,152 10,26,10,366
b) Central Co-operative Banks ceO³eJeleea menkeÀejer yeBkeÀ
c) Other Societies Flej meesmee³eìer®³ee
(iv) 11,47,63,152 10,26,10,366
v) CURRENT DEPOSITS ®eeuet þsJeer
a) Individuals Jew³eefkeÌlekeÀ 2,76,47,289 2,69,46,527
b) Central Co-operative Banks ceO³eJeleea menkeÀejer yeBkeÀ
c) Other Societies Flej meesmee³eìer®³ee 83,78,008 65,93,159
(v) 3,60,25,298 3,35,39,686

31
 (Amount in `)
Current Year Previous Year
®eeuet Je<e& ceeieerue Je<e&
31.03.2023 31.03.2022
vi) MATURED DEPOSITS cegoleHetJe& þsJeer
a) Individuals Jew³eefkeÌlekeÀ 2,24,91,503 10,52,92,702
(b) Central Co-operative Banks ceO³eJeleea menkeÀejer yeBkeÀ
(c) Other Societies Flej meesmee³eìer®³ee 28,14,420 33,14,420
(vi) 2,53,05,923 10,86,07,122
(vii) CUMULATIVE DEPOSIT SCHEME HetCe&iegbleJeCetkeÀ þsJe ³eespevee
(a) Individuals Jew³eefkeÌlekeÀ 10,72,52,87,226 10,86,17,33,197
(b) Central Co-operative Banks ceO³eJeleea menkeÀejer yeBkeÀ
(c) Other Societies Flej meesmee³eìer®³ee 51,11,24,817 34,96,98,507
(vii) 11,23,64,12,043 11,21,14,31,704
*Under the item “individuals” deposits to institutions other than co-operative
Banks and Societies are included as per The Banking Regulation Act, 1949
(i)+(ii)+(iii)+(iv)+(v)+(vi)+(vii) Total SketÀCe 38,28,66,72,589 37,63,98,12,133

SCHEDULE 4 - BORROWINGS keÀpex (Amount in `)

Current Year Previous Year
®eeuet Je<e& ceeieerue Je<e&
31.03.2023 31.03.2022
i) From the Reserve Bank of India / State / Central Co-op Bank/ - -
efjpeJe& yeBkeÀ Dee@HeÀ Fbef[³ee / mìsì / ceO³eJeleea menkeÀejer yeBkeÀ
Total SketÀCe - -

SCHEDULE 5 - OTHER LIABILITIES Flej osCeer (Amount in `)

Current Year Previous Year
®eeuet Je<e& ceeieerue Je<e&
31.03.2023 31.03.2022
1) Unpaid Final Claims Deole efvekeÀeueer efnMesyee®eer jkeÌkeÀce 19,79,229 17,47,254
2) Unpaid Salary & allowances DeoÊe Heieej Je YeÊes 77,844 74,897
3) Recovery from Members meYeemeoebkeÀ[tve Jemetueer 1,100 1,040
4) Unpaid Insurance Claims DeoÊe efJecee efvekeÀeueer efnMeesyee®eer jkeÌkeÀce 3,200 8,460
5) Sundry Creditors Ke®ee&yeÎue osCeer 10,86,09,779 11,67,99,987
6) RCM-CGST-L DeejmeerSce-meerpeerSmeìer-Sue 45,269 1,034
7) Security Deposits (Supplier/Contrator) megj#ee þsJeer (HegjJeþeoej / þskesÀoej) 13,12,734 17,88,782
8) Earnest Money Deposit þskesÀoeje[erue efveJeeroe ye³eeCee 17,42,361 24,85,361
9) Legal charges for Housing Loan (Members) ie=nkeÀpee&keÀjerlee efJeOeer MegukeÀ (meYeemeo) 1,28,663 10,053
10) Member Welfare fund contribution meYeemeo keÀu³eeCeefveOeer Jeie&Ceer 22,66,36,845 23,26,04,177
11) RCM-SGST-L DeejmeerSce-SmepeerSmeìer-Sue 45,269 1,034
12) Provision for Computer Software mebieCekeÀ He´Ceeueermeeþer lejleto 23,14,000 23,14,000
13) Balancing Account efMeuuekeÀ Keeles 8,47,177 8,29,671
14) Provision for Other Assets ceeueceÊeskeÀjerlee Dev³e lejletoer 1,21,000 1,21,000

32
 (Amount in `)
Current Year Previous Year
®eeuet Je<e& ceeieerue Je<e&
31.03.2023 31.03.2022
15) Bankers cheque and Pay Order yeBkeÀme& OeveeosMe DeeefCe Hes Dee@[&j 2,03,62,862 74,48,708
16) Income Tax A.Y. 2007-08 to 2022-2023 Dee³ekeÀj Je<e& 3,20,40,77,068 2,78,40,77,068
17) Rupay Debit Card Payable os³e ©Hes [sefyeì keÀe[& 20,64,566 23,33,604
18) UPI Inward Suspense ³egHeerDee³e FveJe[&& memHesvme 5,38,28,968 2,87,92,767
19) Provision for bonus & Ex-Gratia to staff yeesveme/meevegie´n, DevegoeveeefkeÀjlee lejleto 1,80,00,000 1,77,00,000
20) Provision for Audit Fees efnMesye leHeemeCeerkeÀefjlee lejleto 21,73,500 36,55,000
21) Provision for Gradation megOeeefjle JesleveÞesCeerefkeÀjlee lejleto 6,35,82,077 3,80,40,698
22) Provision for Election/ efveJe[CegkeÀefkeÀjlee lejleto 1,20,00,000 90,00,000
23) Provision for Leave Encashment jpee Sveke@ÀMeceWì®eer lejleto
Opening balance DeejbefYe®eer efMeuuekeÀ 30,04,61,882 23,96,37,959
Add: Provision during the year DeefOekeÀ ë Je<e&Yejeleerue lejleto 7,00,62,153 9,16,83,000
Less: Payments during the year Jepee ë Je<e&Yejeleerue efouesueer jkeÌkeÀce 2,49,32,306 3,08,59,077
34,55,91,729 30,04,61,882
24) Provision for Voluntary Retirement Scheme mJes®íeefveJe=Êeer ³eespeves®eer lejleto 5,97,68,430 5,97,68,430
25) ATM Claring A/c Suspense SìerSce efkeÌueDeefjbie DekeÀeGbì memHeWme 99,22,591 1,30,27,357
26) IMPS A/c Dee³eSceHeerSme DekeÀeTbì 20,00,347 8,70,140
27) Recovery Through PF YeefJe<³e efveJee&n efveOeerletve He´eHle Peeuesueer jkeÌkeÀce 27,22,152 30,12,881
28) Provision for Gratuity ie´@®³egF&ìer®eer lejleto 42,50,909 3,03,18,000
29) Paysheet Recovery CARC HesMeerì efjkeÀJnjer meer.S.Deej.meer. 6,61,337 6,61,337
30) Sundry Creditors for Salary mev[^er ke´sÀ[erìme& HeÀe@j me@uejer 31,48,824 30,11,783
31) Provision for Risk Based Int. Audit peesKeerce DeeOeeefjle Debleie&le Dee@ef[ì lejleto 1,35,000 2,75,400
32) Rect for Non-Member (Wrong Recovery) efjmeerì HeÀe@j veeve ceWyej 33,700 33,700
33) Claim for LORO ueesjes meeþer oeJee 42,26,150 30,68,900
34) Interest not collected A/c Other J³eepe pecee Peeuesues veener Keeles Flej 440 440
35) Provision for Mulund Fraud ceguegb[ iewjJ³eJenejemeeþer lejleto 3,61,11,060 3,61,11,060
36) Uncleared PO DeveefkeÌueDe[& HeerDees 15,63,763 15,43,131
37) Loan Disbursement suspense ---- 6,92,484 -
38) CERSAI fees meerF&DeejSmeSDee³e HeÀer - 2,832
39) DIVIDNED PBLE ueeYeebMe os³e 18 5,62,074
40) TDS on GST _L peerSmeìer-Sue Jej ìer[erSme 206 206
41) MR SUSPENSE SceDeej memHesvme - 1,011
42) ATM Fraud Insurance Claim SìerSce iewjJ³eJenej efJecee oeJee 4,82,114 1,26,981
43) Provision for Leave Travel allowance / jpee ---- 20,92,284 -
44) CASH TDS jesKe ìer[erSme 10,334 55,994
Total SketÀCe 4,19,33,67,381 3,70,27,48,134

33
 SCHEDULE 6 - PROFIT & LOSS / veHeÀe Je leesìe (Amount in `)
Current Year Previous Year
®eeuet Je<e& ceeieerue Je<e&
31.03.2023 31.03.2022
Profit as per last Balance Sheet (a) ceeieerue leeUsyeboeHe´ceeCes yeekeÀer 1,33,63,36,916 1,23,59,72,424
Less : Appropriations of profit for the year 2021-22 & 2020-21
Jepee ë 2020-21 DeeefCe 2019-20 ³ee Je<ee&meeþer veHeÀe efJeYeeieCeer
Reserve fund mebef®ele efveOeer 19,92,22,084 18,14,05,549
Dividend ueeYeebMe 26,90,00,000 22,75,00,000
Building Fund Fceejle efveOeer 12,65,00,000 2,50,00,000
Member's Welfare Fund meYeemeo keÀu³eeCe efveOeer 4,00,00,000 1,25,00,000
Staff Welfare Fund keÀce&®eejer keÀu³eeCe efveOeer 25,00,000 25,00,000
Medical Aid Fund meYeemeo mJeemLe efveOeer 2,50,00,000 1,50,00,000
Investment Fluctuation Fund DeefmLej iegbleJeCetkeÀ efveOeer 1,50,00,000 10,35,00,000
Suretyship Guarantee Fund efpecevekeÀer nceer efveOeer 2,00,00,000 4,00,00,000
Reserve for Contingencies DeekeÀefmcekeÀ iees<ìeRmeeþer efveOeer 50,00,000 50,00,000
Computer Fund mebieCekeÀ efveOeer 1,40,00,000 1,50,00,000
Education Fund efMe#eCe efveOeer 3,98,44,417 3,62,81,110
Repairs and Renovation Fund ogªmleer Je vegleveerkeÀjCeemeeþer efveOeer 1,00,00,000 50,00,000
Social Obligation Fund meeceeefpekeÀ yeebefOeuekeÀer efveOeer - 15,00,000
Retired Member Welfare Fund efveJe=Êe meYeemeo keÀu³eeCe efveOeer 25,00,000 25,00,000
Investment Depreciation Reserve iegbleJeCet Iemeeje efveOeer 2,50,00,000 1,25,00,000
Calamity Fund mebkeÀì efveJeejCe efveOeer 25,00,000 2,50,00,000
Sub Total 79,60,66,500 71,01,86,659
Balance Profit efMeuuekeÀ veHeÀe 54,02,70,416 52,57,85,765

Add: Reversal of excess provision of PY 2,72,81,959 22,45,908

Less:- Short Provision of Bonus 6,74,374 11,46,059
Less:- Appropriation trf to Building Fund 1,50,00,000 -
55,18,78,001 52,68,85,614
Add : Profit for the year as per Profit & Loss Account ®eeuet Je<ee&®ee veHeÀe Je leesìe 92,46,99,165 80,94,51,302
Total SketÀCe 1,47,65,77,166 1,33,63,36,916

SCHEDULE 7 - CASH BALANCES jesKe efMeuuekeÀ (Amount in `)

Current Year Previous Year
®eeuet Je<e& ceeieerue Je<e&
31.03.2023 31.03.2022
I. Cash on Hand jesKe efMeuuekeÀ
i) Cash on Hand jesKe efMeuuekeÀ 31,15,47,552 35,67,48,511
ii) ATM cash SìerSce jesKe 2,20,48,300 3,11,72,600
Total SketÀCe 33,35,95,852 38,79,21,111

34
SCHEDULE 8 - BALANCE WITH RESERVE BANK OF INDIA / OTHER BANKS efjPeJn& yeBkeÀ Dee@HeÀ Fbef[³ee Flej yeBkeÀebmen efMeuuekeÀ
(Amount in `)
Current Year Previous Year
®eeuet Je<e& ceeieerue Je<e&
31.03.2023 31.03.2022
I. BALANCES WITH R.B.I., S.B.I ,STATE CO.OP. BANK, DISTRICT CO.OP.
BANK
efjPeJn& yeBkeÀ Dee@HeÀ Fbef[³ee, ceneje<ì^ mìsì keÀes-Dee@He yeBkeÀ efpeune ceO³eJeleea keÀes-Dee@He yeBkeÀebceOeerue
efMeuuekeÀ
i) Current Deposit ®eeuet þsJeer 1,77,43,52,697 1,81,78,25,325
ii) Fixed Deposit cegole þsJeer 5,00,000 5,00,000
3,89,98,52,697 1,81,83,25,325

II. BALANCE WITH OTHER BANKS Flej yeBkeÀeceOeerue efMeuuekeÀ

a) Current Deposit ®eeuet þsJeer 13,60,59,576 5,77,89,365
b) Fixed Deposit cegole þsJeer 6,04,01,00,000 6,50,22,00,000
4,05,11,59,576 6,55,99,89,365
Total SketÀCe 7,95,10,12,272 8,37,83,14,690

SCHEDULE 9 - INVESTMENTS / iegbleJeCetkeÀ (Amount in `)

I) Investments (at book value) / iegbleJeCetkeÀ (HegmlekeÀer cetu³eeJej) Current Year Previous Year
®eeuet Je<e& ceeieerue Je<e&
31.03.2023 31.03.2022
i) In Central and State Government Securities (at book value)
keÀWê mejkeÀej Je jep³e mejkeÀej®es keÀpe&jesKes (HegmlekeÀer cetu³eeJej)
(Earmarked for Statutory Reserves Rs. 211,29,70,899.94) 10,39,96,11,970 9,23,74,16,687
(³eeHewkeÀer mebef®ele efveOeer keÀefjlee)
(Earmarked for Surety Guaranty Fund Rs.89,29,97,163.77)
(³eeHewkeÀer nceer efveOeer keÀefjlee)
Face Value - Rs.1043.05 crore ( Previous Year Rs.923.78 crore)
yeepeej cetu³e (ceeieerue Je<e&)
Market Value -Rs. 1031.36 crore (Previous Year Rs.942.35 crore)
oMe&veer cetu³e (ceeieerue Je<e&)
(ii) CCIL Default Fund meermeerDee³eSue ef[HeÀe@uì HebÀ[ 10,99,198 10,99,198
Market Value -Rs. 0.11 crore (Previous Year Rs. 0.11 crore)
yeepeej cetu³e (ceeieerue Je<e&)
iii) Shares in Co-operative Institutions menkeÀejer mebmLeeb®es Yeeie
M.D.C.C. Bank cegbyeF& efpeune ceO³eJeleea keÀes-Dee@He yeBkeÀ 3,00,00,000 3,00,00,000
iv) Other Investments: Flej iegbleJeCetkeÀ
Units of Mutual Funds c³eg®egDeue HebÀ[eb®eer ³egefveìdme 1,19,00,00,000 2,25,00,00,000
Total SketÀCe 11,62,07,11,168 11,51,85,15,885

35
 SCHEDULE 10 - ADVANCES keÀpex (Amount in `)
Current Year Previous Year
®eeuet Je<e& ceeieerue Je<e&
31.03.2023 31.03.2022
i) Short Term Secured Loans DeuHe cegoleer®eer keÀpes&
Due from individuals 1,20,29,19,417 1,11,69,01,845
Of the advances amount overdue Rs 38,46,915 (P.Y Rs.36,31,672)
megjef#ele (Jemetue nesC³e³eepeesieer) Jew³eefkeÌlekeÀ DeuHe cegoleer®eer keÀpex
ii) Medium Term Secured Loans ceO³ece cegoleer®eer keÀpes&
Due from Individuals ceO³ece cegoleer®eer Jew³eefkeÌlekeÀ keÀpes& 26,55,01,16,419 25,27,92,33,179
Of the advances amount overdue Rs.32,19,52,848
(P.Y Rs.29,52,79,899) Jejerue keÀpee&HewkeÀer LekeÀyeekeÀer (ceeieerue Je<ee&®eer LekeÀyeekeÀer)
iii) Long Term Secured Loans efoIe& cegoleer®eer keÀpes&
Due from Members & Staff efoIe& cegoleer®eer keÀpes& meYeemeo Je keÀce&®eejer 94,48,90,142 13,21,81,031
Of the advances amount overdue Rs.66,148 (P.Y Rs.1,00,137)
Jejerue keÀpee&HewkeÀer LekeÀyeekeÀer (ceeieerue Je<ee&®eer LekeÀyeekeÀer)
Total SketÀCe 28,69,79,25,977 26,52,83,16,055
SCHEDULE 11 - FIXED ASSETS mLeeJej ceeueceÊee (Amount in `)
Current Year Previous Year
®eeuet Je<e& ceeieerue Je<e&
31.03.2023 31.03.2022
1) PREMISES Fceejle
Opening Balance DeejbefYe®eer efMeuuekeÀ 92,73,476 1,39,10,214
Less: Depreciation Jepeeë Iemeeje 46,36,738 46,36,738
46,36,738 92,73,476
2) FURNITURE & FIXTURES HeÀefve&®ej Je Flej
Opening Balance DeejbefYe®eer efMeuuekeÀ 2,92,45,318 3,18,96,968
Add: Addition & Transferred during the year DeefOekeÀë Je<e&Yejeleerue Kejsoer 23,45,121 11,45,473
Less : Depreciation for the year Jepeeë Je<e&Yejeleerue Iemeeje 30,77,466 32,94,154
Less : Sale / write off Jepeeë efJeke´Àer /efveuexefKele 1,22,900 5,02,969
2,83,90,074 2,92,45,318
3) COMPUTER PERIPHERALS mebieCekeÀ Je Flej
Opening Balance DeejbefYe®eer efMeuuekeÀ 36,97,620 79,25,315
Add : Addition & Transferred during the year DeefOekeÀ Je<e&Yejeleerue Kejsoer 23,50,566 12,51,001
Less :Transfer or sale/ Adjustment Jepeeë nbmleeblejCe efkebÀJee efJeke´Àer/mecee³eespeve 164 -
Less : Depcreciation for the year Jepeeë Je<e&Yejeleerue Iemeeje 37,56,483 54,78,696
22,91,539 36,97,620
4) VEHICLES Jeenves
Opening Balance DeejbefYe®eer efMeuuekeÀ 5,18,923 6,48,654
Add: Profit on sale DeefOekeÀë veHeÀe 2,42,895 -
Less: Loss on Sale Jepeeë 34,487 -
Less: Sale of vehicle Jepeeë 4,31,560 -
Less: Depreciation for the year Jepeeë Iemeeje 78,990 1,29,731
2,16,781 5,18,923
5) ATM MACHINERY SìerSce ceefMevejer
Opening Balance DeejbefYe®eer efMeuuekeÀ 10 3,16,014
Less: Depreciation for the year Jepeeë Je<e&Yejeleerue Iemeeje - 3,16,004
10 10
Total SketÀCe 3,55,35,142 4,27,35,347

36
SCHEDULE 12 - OTHER ASSETS Flej ceeueceÊee (Amount in `)
Current Year Previous Year
®eeuet Je<e& ceeieerue Je<e&
31.03.2023 31.03.2022
1. Tax Deducted At Source GiecemLeeveer keÀjkeÀHeele 1,22,65,014 1,13,51,724
2. Stock of Printing & Stationery íHeeF& Je uesKeve meeefnl³e 16,29,821 11,64,778
3. Pre-paid Expenses Heg{erue Je<e&´keÀefjlee kesÀuesuee Ke®e& 31,00,484 17,72,540
4. Deposit for Telephone ìsefueHeÀesve keÀefjlee ìsefueHeÀesve 1,23,876 1,23,876
5. Sundry Deposits efkeÀjkeÀesU ef[Hee@efPeì 47,64,181 57,17,897
6. Special Adhesive Bonds De@ie´erceWì yee@C[me 3,40,400 5,18,500
7. Commission Receivable keÀefceMeve ³esCes 53,08,804 2,67,54,091
8. Sundry Debtors efkeÀjkeÀesU ³esCes 8,83,260 8,83,260
9. Deposit for Court Proh. Order keÀesìe&®³ee ngketÀceeJe©ve Yejuesueer þsJe 11,05,000 11,05,000
10. Festival Advance meCeemeeþer DeeieeT jkeÌkeÀce 9,07,133 11,26,750
11.Outward Clearing susp. account peeJekeÀ meceeMeesOeve memHeWme Keeles 7,11,155 10,11,155
12. Service tax receivable on Octroi Commission pekeÀele keÀefceMeve Jejerue mesJee keÀj ³esCes 3,98,160 29,45,641
13. Advance for Computer Software mebieCekeÀemeeþer DeeieeT jkeÌkeÀce 23,14,000 23,14,000
14. Service Charges Receivable on Sp.Ad.Bond De@ie´erceWì yee@v[Jejerue meefJnme& ®eepexme ³esCes 98,210 54,160
15. Adv payment of I.T. A.Y.2007-08 to 2022-23 DeeieeT Yejuesuee Dee³ekeÀj 3,09,49,80,632 2,75,51,60,632
16. PAN card coupans He@ve keÀe[& ketÀHevme 3,501 3,501
17. Trickle failure A/c efì^keÀue HesÀu³egDej Keeles 4,92,696 4,30,794
18. CENVAT CREDIT mesvJnsì Hele 3,72,53,480 2,75,08,265
19. Int Receivable on HL J³eepe ³esCes--- 20,65,093 -
20. Suspense A/c memHeWme Keeles 17,110 17,200
21. Interest not collected A/c J³eepe pecee ve kesÀuesues Keeles 3,184 2,974
22. Cash Deposit with CCIL meermeerDee³eSue keÀ[erue jesKe þsJe 1,00,000 1,00,000
23. Mulund Br Fraud 2019-20 Rcovry ceguegb[ MeeKee iewjJ³eJenej Jemegueer 3,61,11,060 3,61,11,060
24. UPI Outward Suspense ³egHeerDee³e DeeGìJe[& memHesvme 3,90,48,507 1,60,74,332
25. STEPS mìsHme 81,23,544 6,94,231
26. TDS on GST A peerSmeìer Jej ìer[erSme 1,54,003 1,26,730
27.Advance for computer software mebieCekeÀemeeþer DeeieeT jkeÌkeÀce 39,00,000 -
28.Advance for computer hardware --- DeeieeT jkeÌkeÀce 19,00,000 -
29. CIBIL report charges ---- 4,480 -
30. DEAF DEPOSIT [erFSSHeÀ Hele 17,442 -
Total SkettÀCe 3,25,81,24,229 2,89,30,73,091

SCHEDULE 13 - CONTINGENT LIABILITIES DeekeÀefmcekeÀ oeef³elJes (Amount in `)

Current Year Previous Year
®eeuet Je<e& ceeieerue Je<e&
31.03.2023 31.03.2022
i) Letters of Credit HeleHe$es 0 0
ii) Guarantees nceerHe$e 0 0
iii) Forward Sale/Purchase Contracts HeÀe@jJe[& efJeke´Àer / Kejsoer keÀjej 0 0
iv) Unclaimed Liabilities under DEAF Scheme [erFSSHeÀ ³eespeveesDebleie&le oeJee ve kesÀuesueer oeef³elJes 8,11,37,939 7,16,02,562
Total 8,11,37,939 7,16,02,562

37
38
Accounting standard (AS) 6 Accounting of Depreciation and AS - 10 Accounting of Fixed Assets.
FIXED ASSET SCHEDULE FOR THE YEAR ENDED 31ST MARCH 2023

GROSS BLOCK DEPRECIATION/AMORTIZATION NET BLOCK

Depreciation
Opening Addition/ Deletion/ Depreciation Depreciation Depreciation Closing
Asset Gross Block on Opeing
Balance Adjustments Adjustments on Addition on Deletion For the Year Balance
Bal

Furniture /Fixture and Dead Stock 2,92,45,318.07 23,45,121.12 1,22,900.00 3,14,67,539.19 29,62,769.46 1,14,696.05 30,77,465.51 2,83,90,073.68

Computer Peripherals 36,97,620.00 23,50,566.00 164.00 60,48,022.00 32,79,702.00 7,83,530.00 40,63,232.00 19,84,790.00

Vehicle 5,18,923.34 2,23,152.05 2,95,771.29 51,892.33 27,097.66 78,989.99 2,16,781.30

Building 92,73,476.00 92,73,476.00 46,36,738.00 46,36,738.00

ATM 10.00 10.00 - 10.00

TOTAL 5,55,61,114.82 46,95,687.12 3,46,216.05 5,99,10,585.89 62,94,363.79 9,25,323.71 - 1,18,56,425.50 4,80,54,160.39

NOTES FORMING PART OF FINANCIAL STATEMENTS FOR THE YEAR ENDED 31ST MARCH, 2023
A. SIGNIFICANT ACCOUNTING POLICIES
1. ACCOUNTING CONVENTIONS:
The financial statements have been prepared by following the Going Concern concept on historical cost convention
under accrual basis in accordance with Generally Accepted Accounting Principles, statutory requirements
prescribed under the banking regulations Act, 1949, the circulars and guidelines issued by Reserve Bank of India
from time to time, the Accounting Standards issued by the Institute of Chartered Accountants of India to the extent
applicable, rules and regulations of Maharashtra Co-operative Societies Act, 1960/2013 and practices prevailing
in the Co-Operative Banks in India except otherwise stated.
The preparation of financial statements requires management to make estimates and assumptions that affect the
reported amounts of assets and liabilities, the disclosure of the contingent liabilities on the date of the financial
statements and the reported amounts of revenues and expenses during the period reported. Actual results could
differ from those estimates. Any revision to accounting estimates is recognized in accordance with the requirements
of the respective Accounting Standard.
2. RECOGNITION OF INCOME AND EXPENDITURE:
A. Items of income and expenditure are generally accounted on accrual basis except mentioned below which
are accounted on cash basis.
i) Interest on non - performing assets, as per RBI guidelines
ii) Locker Rent
iii) Premium paid to DICGC
iv) Interest on balance of Share Capital after the death of a member
v) Dividend received on shares
vi) Insurance Agency Commission from New India Assurance Co. Ltd
B. Directors’ traveling/conveyance expenses are accounted for in the year of its final sanction by the appropriate
authority.
3. Net Profit or Loss for the period, prior period items and changes in accounting policies (AS-5):
a. During the year, prior period Expenditure debited to Profit & Loss Account amounting to Rs. 28,01,483/-
b. During the year the bank has changed its accounting policy with respect to writing off of Loss accounts.
Earlier the bank used to Write off Loss Accounts from Suretyship Guarantee Fund, from current year Bank
is writing off such advances from Bad and Doubtful Debts Reserves to comply with stipulations of Banking
Regulation Act & Co-operative Societies Act. Had the earlier policy been followed the Suretyship Guarantee
Fund would have been less by Rs. 2,67,47,744.11 and Bad and Doubtful Debts Reserves be more by Rs.
Rs. 2,67,47,744.11
4. EMPLOYEE BENEFITS:
a) Provident Fund is a defined contribution scheme and the contributions by employer are charged to the Profit
& Loss Account of the year when the contributions to the respective funds are due.
b) The Bank contributes to an approved Group Gratuity Policy with the Life Insurance Corporation of India, Aditya
Birla Sunlife, SBI Life Cap Assure Gold & Bajaj Allianz. Gratuity liabilities are defined benefit obligations and
are provided for on the basis of a valuation done by actuary, made at the end of each financial year using the
projected unit credit method as per the requirement of AS-15 “Employee Benefits”. The Central Government
by issuing the notification on 29th March 2018 in the Official gazette stated that the amount of gratuity payable
under section 4(3) of The Payment of Gratuity Act 1972 to an employee shall not exceed Rs. 20 lakh.
c) The Bank has an obligation towards Leave Encashment, an unfunded defined benefit retirement plan
covering eligible employees. The plan provides for lump sum payment to vested employees at retirement,
death while in employment or on termination of the employment of an amount equivalent to balance earned
leaves salary, as applicable, without any payment ceiling. Vesting occurs upon completion of twenty years
of service in case of retirement & termination of employment. The Bank accounts for the liability for leave
encashment benefits payable in the future based on an actuarial valuation carried out as per projected unit
credit method.
d) Actuarial losses are immediately taken to the profit and loss account and are not deferred.

39
 5. RESERVE FUND AND OTHER RESERVES:
As per the requirement of Maharashtra State Co-operative Societies Act, 1960/2013 and in line with Bye laws, the
appropriations are made towards reserves.
Dividend remaining unclaimed over three years and Entrance fees received during the year is transferred to
statutory reserves.
6. PROVISION FOR ELECTION EXPENDITURE:
The estimated expenditure for election, which takes place once in five years, is provided over a period of five years
on an annual basis equally.
7. ADVANCES:
a) Advances are classified into Standard, Sub-Standard, Doubtful and Loss Assets in accordance with guidelines
issued by the Reserve Bank of India from time to time.
b) Provision on advances categorized under Sub-Standard, Doubtful and Loss Assets is made in accordance
with the guidelines issued by the Reserve Bank of India. In addition, a provision is made on all standard
assets, as per RBI directives.
c) Overdue Interest Reserve represents unrecovered interest on all NPA’s which are correspondingly shown
under interest receivable on NPA.
8. INVESTMENTS
Investment portfolio consists of Government Securities, other approved securities.
The Bank classifies the investments in accordance with the RBI guidelines applicable to Urban Co-operative
Banks. Accordingly, classification of investments for the purpose of valuation is done under the categories of ‘Held
to Maturity’, ‘Available for Sale’ and ‘Held for Trading’.
For disclosure in Balance Sheet, the investments are classified under four groups viz.
a. Central and State Govt. Securities
b. Other approved Securities
c. Shares in Co-operative Institutions
d. Others
Basis of Classification
a) Held to Maturity - These comprise of investments, which the bank intends to hold till Maturity.
b) Held for Trading - Securities which are held for resale within 90 days from the date of acquisition.
c) Available for Sale - Investment which cannot be classified in the above two categories.
The bank decides the category of each investment at the time of the purchase and classifies the same accordingly.
The bank also shifts investment to/ from HTM and AFS category, with the approval of the Board of Directors, once
a year. Transfer of scripts from one category to another is done at acquisition cost and depreciation, if any, is
provided for in case of such transfer.
For the purpose of valuation, following principles are adopted:
a) Securities held in ‘Held to Maturity’ category:
These investments are carried at their acquisition cost unless it is more than the face value, in which case
the premium is amortized over the period remaining to maturity.
b) Securities held in ‘Available for Sale’/ ‘Held for Trading’ category:
The individual scrip in ‘Available for Sale’/ ‘Held for Trading’ category is valued at lower of book value or
market value. The depreciation, if any in each of these categories are provided for and net appreciation, if
any, is ignored.
c) Market value of Central and State Government Securities (excluding treasury bills) is determined on the
basis of the price list published by RBI or the prices periodically declared by Financial Benchmark India Pvt.
Ltd (FBIL).
d) Other Approved Securities: Market value is determined based on the yield curve and spreds provided by FBIL.
e) Treasury Bills are valued at carrying cost net of discount amortised over the period to maturity.
f) Units of Mutual Funds are valued at the lower of cost and net assets value provided by the respective mutual fund.

40
 g) All short-term investments in Term Deposits and Call/ Notice Money are at the original cost.
h) Brokerage, fees, commission and broken period interest incurred at the time of acquisition of securities are
recognized as expense.
i) Interest income on the investments is recognized on accrual basis.
j) In case any investment is classified as non-performing, the necessary provision is done on that investment.
k) Amortization of Premium is charged to Profit and Loss A/C.
Disposal of Investments
Profit or Loss on sale of Investments under the aforesaid three categories are recognized in the Profit & Loss Account.
Accounting for REPO / REVERSE REPO transactions (including transactions under the liquidity adjustment
facility with RBI):
The securities sold and purchased under Repo / Reverse Repo are accounted as collateralised borrowing and
lending transactions. However, securities are transferred as in the case of normal outright sell / purchase transactions
and such movement of securities is reflected using the Repo / Reverse Repo accounts and contra entries. These
entries are reversed on the date of maturity. Cost and revenues are accounted as interest expenditure / income,
as the case may be. Balance under Repo account is reported under Borrowings and balance under Reverse Repo
is shown under Money at call and short notice.
9. Property, Plant and Equipment (PPE):
a) Property, Plant and Equipments are stated at their Written Down Value.
b) Depreciation except on Computer Hardware & Peripherals, Software & ATM is provided on Written Down
Value method, at the rates prescribed by the management, as given below:

Asset Rates (WDV)

Leasehold Premises Amortized over the primary lease period
Furniture and Fittings 10%
Vehicles 20%
Xerox Machine 25%
c) Depreciation on Computer Hardware & Peripherals, Software and ATM is provided on Straight Line basis @
33.33% p.a.
d) In respect of Property, Plant and Equipments, Computer Hardware & Peripherals, Software & ATM acquired
during the year, depreciation is charged for half year in respect of assets used up to 182 days and for the full
year in respect of assets used for more than 182 days.
e) Cost includes incidental expenses incurred on acquisition of assets.
10. SEGMENT REPORTING:
The Business Segments is considered as primary reporting format and the bank does not have any geographical
segment. In accordance with the guidelines issued by RBI, Bank has adopted following business Segments:
a) Treasury includes all investment portfolio, profit/loss on sale of investments (Bonds and government
securities) equity and money market operations. The expenses of this segment consist of interest expenses
on funds borrowed from external as well as internal sources, cost of deposit, salary expenses taken as
50% of salary of respective employees, treasury audit fees taken as 10% of audit fees and depreciation/
amortization of premium on Held to Maturity investments.
b) Retail Banking include all other operations not covered under Treasury operations. It primarily comprises of
Loans and Advances to members and staff of the bank and other banking services to such members and
staff of the bank. The revenue consists of interest earned on loans and advances, fee income on various
services.
11. OPERATING LEASES:
Leases where the lessor effectively retains substantially all the risks and benefits of ownership of the leased asset
are classified as Operating Leases. Operating Lease payments are recognized as an expense in the Profit and
Loss Account during the year as per lease agreement.

41
 12. EARNINGS PER SHARE (EPS):
Basic Earnings per share is calculated by dividing the Net Profit or Loss for the period by the weighted average number
of shares outstanding during the year. The weighted average numbers of shares are calculated on monthly basis.
13. TAXATION:
a) Current Tax:
Provision for Current Tax is made on the basis of taxable income for the current year in accordance with the
provisions of the Income Tax Act, 1961.
b) Deferred Tax:
Deferred Tax is recognized on timing differences between the accounting income & the taxable income for
the year and quantified using the tax rates and laws enacted or substantively enacted as on the Balance
Sheet date.
Deferred Tax assets are recognized and carried forward to the extent that there is a reasonable/virtual certainty
that sufficient future taxable income will be available against which such Deferred Tax asset can be realized.
c) Accounting of Goods and Service Tax:
Goods and Service Tax (GST) has been implemented with effect from 1st July 2017. Accordingly, GST
collected is accounted in GST on income account (Liabilties) and GST paid to vendor is accounted in GST
on Expense account (Assets). Out of the GST on expense account, eligible input tax credit is availed as set
off. In case, eligible Input Tax credit remains unutilized, the same is carried forward and set off subsequently.
The input tax credit on expenses which is not allowable to be set off as per GST law is expensed out.
In case of Property, Plant & Equipments, eligible input tax credit of GST paid to the vendor is utilised against
the amount of GST collected from the customers and disallowed portion of Input Tax credit is expensed out.
Income and expenses on which GST is applicable are accounted for net of GST.
14. INTANGIBLE ASSETS
An intangible asset is recognized if and only if it is probable that the future economic benefits that are attributable
to the asset will flow to the enterprise and the cost of the asset can be measured reliably. Intangible asset is
measured initially at cost and stated in balance-sheet at historical cost less accumulated amortization.
Amortization
Amortization of intangible assets is provided on Straight Lime Method (SLM) @ 33.33% in line with the RBI
circular RBI/2005-06/286 UBD.BPD.PCB Cir. No. 28/12.05.001/2005-06.
15. IMPAIRMENT OF ASSETS:
An asset is treated as impaired when the carrying cost of assets exceeds its recoverable value. An impairment
loss is charged to Profit and Loss Account in the year in which asset is identified as impaired. The impairment loss
recognized in prior accounting period is reversed if there has been a change in the estimate of recoverable amount.
16. PROVISIONS, CONTINGENT LIABILITIES AND CONTINGENT ASSETS:
The Bank estimates the probability of any loss that might be incurred on outcome of contingencies on the basis
of information available up to the date on which the financial statements are prepared. Provisions are recognized
only when there is a present obligation as a result of past events and when a reliable estimate of the amount of
obligation can be made. Contingent liability is disclosed for (i) Possible obligations which will be confirmed only by
future events not wholly within the control of the bank or (ii) Present obligations arising from past events where it
is not probable that an outflow of resources will be required to settle the obligation cannot be made. Contingent
Assets are not recognized in the financial statements.
17. EVENTS OCCURING AFTER BALANCE SHEET DATE:
The management gives due regards to the events occurring after the Balance Sheet date, if any, which may have
effect of altering the status of the accounts or any material impact on the financial statements, in accordance
with Accounting Standard 4 - Contingencies and Events occurring after the Balance Sheet date, as issued by the
Institute of Chartered Accountants of India.
18. NON-BANKING ASSETS ACQUIRED IN SATISFACTION OF CLAIMS:
Non-Banking Assets (NBA’s) acquired in satisfaction of claims are carried at lower of net book value and net
realizable value.

42
B. NOTES FORMING PART OF THE ACCOUNTS:
1. Employee Benefit Expenses (AS 15)
A. Defined Contribution Plan: Banks contribution to Provident Fund – Rs. 2,58,75,525.00 (Previous year-
Rs. 2,44,06,018.00)
B. The details as required by Accounting Standard 15 (AS 15) (Revised) - issued by the ICAI pertaining to
Leave Encashment is as under:
1. Funded status of the plan (Refer Para 120n)
Particulars 31-Mar-2023 31-Mar-2022
(12 months) (12 months)
` `
Present value of unfunded obligations 34,55,91,729 30,02,50,272
Present value of funded obligations - -
Fair value of plan assets - -
Net Liability (Asset) 34,55,91,729 30,02,50,272
2. Profit and loss account for current period (Refer Para 57 (c)
Particulars 31-Mar-2023 31-Mar-2022
(12 months) (12 months)
` `
Current Service Cost 1,92,73,539 1,22,92,469
Interest cost on Obligation 1,92,16,017 1,39,58,607
Expected return on plan assets - -
Net actuarial loss/(gain) 3,15,72,597 6,52,20,413
Past Service Cost - -
loss/(gain) on curtailments and settlement - -
Total included in ‘Employee Benefit Expense’ 7,00,62,153 9,14,71,489
Total Charge to P&L 7,00,62,153 9,14,71,489
Loss/(gain) on obligation as per Annexure 3 3,15,72,597 6,52,20,413
Loss/(gain) on assets as per Annexure 4 - -
Net actuarial loss/(gain) 3,15,72,597 6,52,20,413
3. Reconciliation of defined benefit obligation (Refer Para 120c)
Particulars 31-Mar-2023 31-Mar-2022
(12 months) (12 months)
` `
Opening Defined Benefit Obligation 30,02,50,272 23,96,37,860
Transfer in/(out) obligation - -
Current service cost 1,92,73,539 1,22,92,469
Interest cost on obligation 1,92,16,017 1,39,58,607
Actuarial loss (gain) 3,15,72,597 6,52,20,413
Past service cost - -
Losses (gains) on curtailments - -
Liabilities extinguished on settlements - -
Liabilities assumed in an amalgamation in the nature of purchase - -
Exchange differences on foreign plans - -
Benefit paid from fund - -
Benefits paid by Entity (2,49,32,306) (3,08,59,077)
Additional Provision in books of account as on opening date 2,11,610
Closing Defined Benefit Obligation 34,55,91,729 30,02,50,272

43
 *Leave Encashment benefits of Rs.34,34,559 Payable to resigned employees have been included in
Defined Benefit Obligation.
4: Principle actuarial assumptions
Particulars 31-Mar-2023 31-Mar-2022
(12 months) (12 months)
Discount Rate 7.30% p.a. 6.40% p.a.
Salary Growth Rate 8.00% p.a. 8.00% p.a.
Withdrawal Rate 2% p.a. at all ages 2% p.a. at all ages
Availment Rate 0% p.a. 0% p.a.
In Service Encashment Rate 0% p.a. 0% p.a.

5: Table of experience adjustments (Refer Para 120n)

Particulars 31-Mar-2023 31-Mar-2022
(12 months) (12 months)
` `
Defined Benefit Obligation 34,55,91,729 30,02,50,272
Plan Assets - -
Surplus/(Deficit) 34,55,91,729 30,02,50,272
Experience adjustments on plan liabilities 4,77,51,026 1,61,97,121
Actuarial loss/(gain) due to change in financial assumptions (1,61,78,429) 5,50,93,762
Actuarial loss/ (gain) due to change in demographic assumption - (60,70,470)
Experience adjustments on plan assets - -
Net actuarial loss/ (gain) for the year 3,15,72,597 6,52,20,413
C. The details as required by Accounting Standard 15 (AS 15) (Revised) - issued by ICAI pertaining to Gratuity is as under:
1: Financial Assumptions
Particulars 31-Mar-2023 31-Mar-2022
Discount Rate 7.30% p.a. 6.40% p.a.
Salary Growth Rate 8.00% p.a. 8.00% p.a.
Withdrawal Rates 2.00% p.a. 2.00% p.a.
2: Funded status of the plan (Refer Para 120n)
Particulars 31-Mar-2023 31-Mar-2022
(12 months) (12 months)
` `
Present value of unfunded obligations - -
Present value of funded obligations 28,91,00,560 27,47,72,117
Fair value of plan assets (24,48,49,651) (24,84,92,808)
Unrecognised Past Service Cost - -
Net Liability (Asset) 42,50,909 2,62,79,309
3: Profit and loss account for the period
Particulars 31-Mar-2023 31-Mar-2022
(12 months) (12 months)
` `
Current service cost 95,86,135 95,26,407
Interest on obligation 1,71,33,332 1,48,67,366
Expected return on plan assets (1,57,58,213) (1,48,79,586)
Net actuarial loss/(gain) (60,52,849) 2,00,60,750
Recognised Past Service Cost-Vested - -

44
 Particulars 31-Mar-2023 31-Mar-2022
(12 months) (12 months)
` `
Recognised Past Service Cost-Unvested - -
Loss/(gain) on curtailments and settlement - -
Total included in ‘Employee Benefit Expense’ 49,08,405 2,95,74,937
Loss/(gain) on obligation as per 3.3 (46,26,917) 2,14,49,140
Loss/(gain) on assets as per 3.4 (14,25,932) (13,88,390)
Net actuarial loss/(gain) (60,52,849) 2,00,60,750

4: Reconciliation of defined benefit obligation

Particulars 31-Mar-2023 31-Mar-2022
(12 months) (12 months)
` `
Opening Defined Benefit Obligation 27,47,72,117 25,45,27,833
Transfer in/(out) obligation - -
Current service cost 95,86,135 95,26,407
Interest cost 1,71,33,332 1,48,67,336
Actuarial loss (gain) (46,26,917) 2,14,49,140
Past service cost - -
Loss (gain) on curtailments - -
Liabilities extinguished on settlements - -
Liabilities assumed in an amalgamation in the nature of purchase - -
Exchange differences on foreign plans - -
Benefit paid from fund (1,18,02,798) (2,55,98,629)
Benefits paid by company - -
Additional Provision in books of account as on opening date 40,38,691
Closing Defined Benefit Obligation 28,91,00,560 27,47,72,117
*Accrued gratuity of resigned employees amounting to Rs.19,51,900/- been included in Defined Benefit Obligation.
5: Reconciliation of plan assets (Refer Para 120e)
Particulars 31-Mar-2023 31-Mar-2022
(12 months) (12 months)
` `
Opening value of plan assets 24,84,92,808 24,99,61,731
Transfer in/(out) plan assets - -
Expected return 1,57,58,213 1,48,79,586
Actuarial gain/(loss) 14,25,932 13,88,390
Assets distributed on settlements - -
Contributions by employer 3,09,75,496 78,61,730
Contribution by employee - -
Assets acquired in an amalgamation in the nature of purchase
Exchange differences on foreign plans - -
Benefits paid (1,18,02,798) (2,55,98,629)

Closing value of plan assets 28,48,49,651 24,84,92,808

The actual return on the assets is Rs. 1,71,84,145

45
 6: Composition of the plan assets (Refer Para 120h)
Particulars 31-Mar-2023 31-Mar-2022
(12 months) (12 months)
% %
Government of India Securities 0% 0%
State Government Securities 0% 0%
High quality corporate bonds 0% 0%
Equity shares of listed companies 0% 0%
Property 0% 0%
Special Deposit Scheme 0% 0%
Policy of insurance 100% 100%
Bank Balance 0% 0%
Other Investments 0% 0%
Total 100% 100%

7: Reconciliation of net defined benefit liability

Particulars 31-Mar-2023 31-Mar-2022
(12 months) (12 months)
Rs. Rs.
Net opening provision in books of accounts 2,62,79,309 45,66,102
Transfer in/(out) obligation - -
Transfer (in)/out plan assets - -
Employee Benefit Expense as per 3.2 49,08,405 2,95,74,937
3,11,87,714 3,41,41,039
Benefits paid by the Company - -
Contributions to plan assets (3,09,75,496) (78,61,730)
Closing provision in books of accounts 2,12,218 2,62,79,309
8: Principle actuarial assumptions
Particulars 31-Mar-2023 31-Mar-2022
(12 months) (12 months)
Discount Rate 7.30% p.a. 6.40% p.a.
Expected Return on Plan Assets 7.30% p.a. 6.40% p.a.
Salary Growth Rate 8.00% p.a. 8.00% p.a.
Withdrawal Rates 2.00% p.a at all 2.00% p.a at all
ages ages
(Refer Para 120n)
Particulars 31-Mar-2023 31-Mar-2022
(12 months) (12 months)
Rs. Rs.
Defined Benefit Obligation 28,91,00,560 27,47,72,117
Plan Assets 24,48,49,651 24,84,92,808
Surplus/(Deficit) (42,50,909) (2,62,79,309)
Experience adjustments on plan liabilities 76,47,481 95,21,969
Actuarial loss/(gain) due to change in financial assumptions (1,22,74,398) 2,08,89,845
Actuarial loss/ (gain) due to change in demographic assumption - (89,62,674)
Experience adjustments on plan assets (14,25,932) (13,88,390)
Net actuarial loss/ (gain) for the year (60,52,849) 2,00,60,750

46
 The plan assets are invested in the insurer managed fund which generally makes investment in secured securities.
Hence, the expected rate of return considered is yield on the government securities which match the average term
of the obligation.
2. Disclosure under AS -17 on “Segment Reporting” (Amount in Lakhs)
Business Segement Treasury Retail Banking Total
Particulars 31.03.2023 31.03.2022 31.03.2023 31.03.2022 31.03.2023 31.03.2022
Revenue 10,531.02 10,507.25 30,798.08 29,684.68 41,329.10 40,191.93
Result (673.35) (822.10) 12,652.09 11,919.99 11,978.74 11,097.88
Unallocated expenses - -
Operating Profit 11,978.74 11,097.88
Income taxes 2,731.75 3,003.37
Net profit 9,246.99 8,094.51
Other information
Segment assets 1,99,815.44 2,04,185.20 2,91,100.47 2,68,396.91 4,90,915.92 4,72,582.11
Unallocated assets 33,807.10 29,464.54

Total assets
5,24,723.02 5,02,046.65
Segment liabilities 1,13,408.55 1,16,610.93 2,88,729.28 2,76,396.24 4,02,137.83 3,93,007.17
Unallocated liabilities 32,040.77 27,840.77
Total liabilities 4,34,178.60 4,20,847.94
Note: For Calculation of Income/ PBT from Treasury Operations, the amounts of Investment done by Treasury are
received from Banking operations hence, interest on funds from Banking operations are calculated at the Average
Deposit Rate i.e. 6.63% p.a. (P.Y. 6.00% p.a.) on average investments at every month end, and the amount so
arrived are deducted from the interest cost of banking operation.
3. Disclosure under AS - 18 on “Related Party Transactions”:
The Bank is a Co-operative Society under the Maharashtra State Co-operative Societies Act, 1960 and there
are no related parties requiring a disclosure under Accounting Standard 18 (AS 18) issued by the Institute of
Chartered Accountant of India, other than one Key Management Personnel, viz. Mr. Vinod H. Ravadka, General
Manager of the bank. However, in terms of RBI circular dated 29th March 2003, he being single party coming under
the category, no further details thereon need to be disclosed.
4. Disclosure under AS - 19 “Leases”:
The Bank has entered into cancellable operating leases for the branches premises except for the initial lock in
period. The disclosures under AS 19 on ‘Leases’ issued by ICAI are as follows:
a) Lease payments of Rs. 2,62,53,747 (P.Y Rs. 2,37,78,145) have been recognized during the year in the Profit
and Loss Account.
b) The lease agreements entered into pertain to use of premises at the branches. The lease agreements do
not have any undue restrictive or onerous clauses other than those normally prevalent in similar agreements
regarding use of assets, lease escalations, renewals and a restriction on sub-leases.
Operating lease comprises leasing of Office Premises (AS 19) Rs. in Lakhs
Particulars 31.03.2023 31.03.2022
Future lease rental payable as at the end of the year:
- Not later than one year 288.78 226.83
- Later than one year and not later than five years 1474.26 1,158.01
- Later than five years 2839.40 1,695.45
Total of minimum lease payments realization in the Profit and Loss 262.53 237.78
account for the year.
Total of future minimum sub-lease payment expected to be received NIL NIL
under non-cancellable sub-lease
Sub-lease payments realization in the Profit and Loss account for the year NIL NIL

47
 Note: The premises of the branches are taken on rent from the Brihanmumbai Municipal Corporation and
are located in the premises of BMC itself. The lease rental agreements with BMC are under the process of
renewal. The building for Head office is leased from Mumbai Port Trust and the said agreement is valid till 2024.
As per new terms, escalation clause has been revised from 1% to 10% every year for all the branches except for
Girgaon and Head Office with retrospective effect from 01/04/2017.
5. Disclosure under AS-20 on “Earnings per Share”:
Particulars 31-03-2023 31-03-2022
Basic & Diluted EPS 64.00 54.00
Calculation of Basic EPS
a) Net Profit after Tax available for Equity Shareholders 92,46,99,165.07 80,94,51,302.04
b) Weighted Average Number of Equity Shares 1,44,79,158.00 1,50,29,176.00
c) Basic Earnings per (a) divided by (b) 64.00 54.00
d) Nominal Value per Share 100.00 100.00
6. Disclosure under AS-22 on “Deferred Tax”:
As per “Accounting Standard 22”— “Accounting of Taxes on Income” (AS 22) issued by the ICAI.
The major components of Deferred Tax Assets/ Liabilities (net) arising on account of timing differences between
book profit and taxable profits as at 31st March, 2023 are as follows:
(Rs. in Lakhs)
Deferred Tax Asset/(Liability) 31.03.2023 31.03.2022
W.D.V of Fixed Assets 37.01 28.65
Bonus Payable 0.76 3.02
Leave Encashment 869.85 756.26
Provision for Gradation 160.04 9.64
Provision for election expenses 30.20 22.65
Provision for BDDR 1634.61 980.32
Special Reserve Created u/s 36(1)(viii) 0.00 (6.32)
Total Deferred Tax Asset/(Liability) 2,732.47 1,794.22
The closing Deferred Tax Assets (net) has been shown separately in the Balance Sheet.
7. Accounting Standard (AS 28) on “Impairment of Assets”:
In the opinion of the Management, there is no impairment to any of its Property, Plant & Equipments to which
Accounting Standard 28 – Impairment of Assets applies.
8. Accounting Standard (AS 29) on “Provisions, Contingent Liabilities and Contingent Assets”:
A. No provision other than those made, have been considered necessary by the management in respect of disputed
tax liabilities in view of the opinion obtained / judgment’s in favor of the Bank.
However, following are details of tax cases for which contingent liability may arise, as determined by tax consultant.
Sr. Nature of Statute Assessment Forum where dispute is pending Amount of
No. Year contingent liability
1 Income Tax Act, 1956 2009-10 Commissioner of Income Tax (Appeal) 1,19,79,360
2 Income Tax Act, 1956 2009-10 Commissioner of Income Tax (Appeal) u/s. 32,10,391
271C
3 Income Tax Act, 1956 2014-15 Commissioner of Income Tax (Appeal) 49,49,480
4 Income Tax Act, 1956 2016-17 Grevience filed to AO, for incorrect Demand. 98,637
5 Income Tax Act, 1956 2018-19 Commissioner of Income Tax (Appeal) 3,48,81,425
6 Income Tax Act, 1956 2020-21 Commissioner of Income Tax (Appeal) 1,28,72,870

48
B. The Depositor Education and Awareness Fund ( DEAF )
a) As per RBI circular RBI/2013-14/6 14 DBOD No. of DEAF cell .B.C.114/30.01.002/2013-14 dated 27th May,
2014, Bank shall transfer proceeds of the inoperative accounts and balances remaining unclaimed for 10
years or more to the Deposits Education and Awareness Fund (DEAF).
As required under above mentioned RBI circular, the Bank has transferred so far following funds to DEAF
with RBI. The movement of the DEA Funds is as follows:
Sr. Particulars (Amount in Lacs.)
No. FY 2022-23 FY 2021-22
1 Opening Balance of Amount Transferred to DEAF 716.02 501.47
2 Add: Amount Transferred to DEAF during the year 99.98 219.61
3 Less: Amount Reimbursed by DEAF towards claims 4.63 5.06
4 Closing Balance of Amount transferred to DEAF 811.37 716.02
b) The amounts transferred during the year include amounts in Pay Orders and Sundry Liability Account and
other sundry accounts which are unclaimed for 10 years.
C. Disclosure Requirements as Per RBI Guidelines -
Disclosure as per RBI Master Direction DOR.ACC.REC.No.45/21.04.018/2021-22 dated 30th August, 2021:
1. Regulatory Requirement
a) Composition of Regulatory Capital:
(Rs. in Lakh)
Sr.
Particulars 31st March, 2023 31st March, 2022
No.
i) Paid up share capital and reserves (net of deductions, if any) 45,390.41 43087.45
ii) Other Tier 1 capital NIL NIL
iii) Tier 1 capital (i + ii) 45,390.41 43,087.45
iv) Tier 2 capital 6,915.50 6,572.87
v) Total capital (Tier 1+Tier 2) 52,305.91 49,660.32
vi) Total Risk Weighted Assets (RWAs) 3,50,437.71 3,35,027.96
vii) Paid-up share capital and reserves as percentage of RWAs 12.95% 12.86%
viii) Tier 1 Ratio (Tier 1 capital as a percentage of RWAs) 12.95% 12.86%
ix) Tier 2 Ratio (Tier 2 capital as a percentage of RWAs) 1.97% 1.96%
x) Capital to Risk Weighted Assets Ratio (CRAR) (Total Capital as 14.93% 14.82%
a percentage of RWAs)
xi) Percentage of the shareholding of Government of India NIL NIL
xii) Amount of paid-up equity capital raised during the year 606.17 396.93
xiii) Amount of non-equity Tier 1 capital raised during the year, of which:
a) Perpetual Cumulative Preference Shares NIL NIL
b) Redeemable Non-Cumulative Preference Shares NIL NIL
xiv) Amount of Tier 2 capital raised during the year, of which:
a) Perpetual Cumulative Preference Shares NIL NIL
b) Redeemable Non-Cumulative Preference Shares NIL NIL

49
 b) Drawdown from Reserves/ Utilization from Funds (Rs. in Lakh)
Sr. Particulars 31/03/2023 31/03/2022 Remarks
No.
1 Suretyship Guarantee Fund 0.18 364.93 Write off of NPA loan (FY 2021-22)
2 Medical Aid Fund 16.80 33.85 Medical Aid to Members
3 Calamity Fund 1.00 13.50 Payments towards natural calamity
4 Education Fund 37.26 33.92 Scholarship towards member and staff
5 Reserve For Repairs & Renovation 10.71 8.87 Expenses towards repairs & renovation
of HO and Branches
6 Members Welfare Fund 497.37 463.08 Cash Rewards to retired and deceased
members
7 Reserve For Contingencies 20.90 26.30 Emergency aid paid towards deceased’s
family
8 Staff Welfare Fund 14.63 26.82 Payments towards medical aid to staff
and dependent
9 Retired Member Welfare Fund 14.30 14.15 Reward to retired member
10. Bad And Doubtful Debt Reserve 267.47 0.00 Write off of NPA loan

2. Asset liability management

Maturity pattern of certain items of assets and liabilities as on 31.03.2023 (Rs. in Lakh)

Particulars Deposits Advances Investments Borrowings Foreign Foreign

Currency Currency
assets liabilities

Day 1 0 6395.80 Nil NIL NIL NIL

2 to 7 days 7300.03 1137.80 21950 NIL NIL NIL

8 to 14 days 6948.04 1137.80 10450 NIL NIL NIL

15 to 30 Days 4255.63 1137.80 18589.84 NIL NIL NIL

31 days to 2 months 8732.15 5090.50 4331.49 NIL NIL NIL

Over 2 months and up to 3 months 8732.15 5090.50 9563.86 NIL NIL NIL

Over 3 months and up to 6 Months 21502.19 10053.73 13295.19 NIL NIL NIL

Over 6 months and up to 1 year 39447.71 19572.62 24129.28 NIL NIL NIL

Over 1 year and up to 3 years 283584.37 36424.53 10572.37 NIL NIL NIL

Over 3 years and up to 5 years 2296.56 82855.72 23571.72 NIL NIL NIL

Over 5 years 67.90 118082.42 40159.37 NIL NIL NIL

Total 382866.73 286979.26 176613.12 NIL NIL NIL

50
 Maturity pattern of certain items of assets and liabilities as on 31.03.2022 (Rs. in Lakh)
Particulars Deposits Advances Investments Borrowings Foreign Foreign
Currency Currency
assets liabilities
Day 1 NIL 3000.1 NIL NIL NIL NIL
2 to 7 days 7344.27 1087.96 15295 NIL NIL NIL
8 to 14 days 6888.65 1087.96 9545 NIL NIL NIL
15 to 30 Days 4008.51 1087.96 9493 NIL NIL NIL
31 days to 2 months 6448.59 4859.76 11649 NIL NIL NIL
Over 2 months and up to 3 months 6448.59 4859.76 38138.34 NIL NIL NIL
Over 3 months and up to 6 Months 21917.14 9618.64 8801.07 NIL NIL NIL
Over 6 months and up to 1 year 39837.42 18748.30 12270.63 NIL NIL NIL
Over 1 year and up to 3 years 273871.40 34970.12 13931.69 NIL NIL NIL
Over 3 years and up to 5 years 9254.89 80044.27 13519.33 NIL NIL NIL
Over 5 years 378.66 105918.33 47569.09 NIL NIL NIL
Total 376398.12 265283.16 180212.15 NIL NIL NIL
3. Investment
a) Composition of Investment Portfolio as at 31.03.2023 (Rs. in Lakh)
Issuer Investments in India Investments Outside India
Government Other Shares Debentures Subsidiaries Others Total Government Subsidiaries Others Total Total
Securities Approved and Bonds and/or joint investments Securities and/or joint Investments Investments
Securities ventures in India ventures outside India

Held to Maturity

Gross 91,571.65 NIL NIL NIL NIL NIL 91,571.65 NIL NIL NIL NIL 91,571.65

Less: Provision for non- NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL
performing investments (NPI)

Net 91,571.65 NIL NIL NIL NIL NIL 91,571.65 NIL NIL NIL NIL 91,571.65

Available for Sale

Gross 12,435.46 NIL 300.00 NIL NIL 11,900.00 24,635.46 NIL NIL NIL NIL 24,635.46

Less: Provision for NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL
depreciation and NPI

Net 12,435.46 NIL 300.00 NIL NIL 11,900.00 24,635.46 NIL NIL NIL NIL 24,635.46

Held for Trading

Gross NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL

Less: Provision for NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL
depreciation and NPI

Net NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL

Total Investments 1,04,007.11 NIL 300.00 NIL NIL 11900.00 1,16,207.11‬ NIL NIL NIL NIL 1,16,207.11‬

Less: Provision for non- NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL
performing investments

Less: Provision for NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL
depreciation and NPI

Net 1,04,007.11 NIL 300.00 NIL NIL 11,900.00 1,16,207.11‬ NIL NIL NIL NIL 1,16,207.11‬

51
 Composition of Investment Portfolio as at 31.03.2022
(Rs. in Lakh)
Issuer Investments in India Investments Outside India

Government Other Shares Debentures Subsidiaries Others Total Government Subsidiaries Others Total Total
Securities Approved and Bonds and/or joint investments Securities and/or joint Investments Investments
Securities ventures in India ventures outside India

Held to Maturity

Gross 88,312.66 NIL NIL NIL NIL NIL 88,312.66 NIL NIL NIL NIL 88,312.66

Less: Provision for non- NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL
performing investments (NPI)

Net 88,312.66 NIL NIL NIL NIL NIL 88,312.66 NIL NIL NIL NIL 88,312.66

Available for Sale

Gross 4,072.50 NIL 300.00 NIL NIL 22,500.00 26,872.50 NIL NIL NIL NIL 26872.50

Less: Provision for NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL
depreciation and NPI

Net 4,072.50 NIL 300.00 NIL NIL 22,500.00 26,872.50 NIL NIL NIL NIL 26,872.50

Held for Trading

Gross NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL

Less: Provision for NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL
depreciation and NPI

Net NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL

Total Investments 92,385.16 NIL 300.00 NIL NIL 22,500.00 1,15,185.16 NIL NIL NIL NIL 1,15,185.16

Less: Provision for non- NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL
performing investments

Less: Provision for NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL
depreciation and NPI

Net 92,385.16 NIL 300.00 NIL NIL 22,500.00 1,15,185.16 NIL NIL NIL NIL 1,15,185.16

b) Movement of Provisions for Depreciation and Investment Fluctuation Reserve

(Rs. in Lakh)
Sr.No. Particulars 31st March, 2023 31st March, 2022
i) Movement of provisions held towards depreciation on investments
& Investment Diminution
a) Opening balance 422.98 297.98
b) Add: Provisions made during the year 250.00 125.00
c) Less: Write off / write back of excess provisions during the year 0.00 0.00
d) Closing balance 672.98 422.98
ii) Movement of Investment Fluctuation Reserve
a) Opening balance 2235.02 1,200.02
b) Add: Amount transferred during the year 150.00 1,035.00
c) Less: Drawdown 0.00 0.00
d) Closing balance 2385.02 2,235.02
iii) Closing balance in IFR as a percentage of closing balance of 9.68% 8.32%
investments in AFS and HFT/Current category
c) Sale and transfers to / from HTM category
Bank has not made any Sale and transfers to / from HTM category during the current financial year.

52
d) Non-SLR investment portfolio
i) Non-performing non-SLR investments
(Rs. in Lakh)
st st
Particulars 31 March, 2023 31 March, 2022
Opening Balance NIL NIL
Add: Additions during the year NIL NIL
Less: Reductions during the above period NIL NIL
Closing Balance NIL NIL
Total provisions held NIL NIL

ii) Issuer composition of non-SLR investments as on 31.03.2023

(Rs. in Lakh)
Extent of Extent of ‘below Extent of Extent of
Sr.
Issuer Amount Private Investment ‘unrated ‘unlisted’
No.
Placement grade’ Securities securities’ securities
1 PSUs NIL NIL NIL NIL NIL
2 FIs NIL NIL NIL NIL NIL
3 Banks NIL NIL NIL NIL NIL
4 Private Corporates NIL NIL NIL NIL NIL
5 Subsidiaries/Join Ventures NIL NIL NIL NIL NIL
6 Others 12,200 NIL NIL NIL 12,200
Total 12,200 NIL NIL NIL 12,200
Provision held towards NIL NIL NIL NIL NIL
7
depreciation

Issuer composition of non-SLR investments as on 31.03.2022

(Rs. in Lakh)
Extent of Extent of ‘below Extent of Extent of
Sr.
Issuer Amount Private Investment ‘unrated ‘unlisted’
No.
Placement grade’ Securities securities’ securities
1 PSUs NIL NIL NIL NIL NIL
2 FIs NIL NIL NIL NIL NIL
3 Banks NIL NIL NIL NIL NIL
4 Private Corporates NIL NIL NIL NIL NIL
5 Subsidiaries/Join Ventures NIL NIL NIL NIL NIL
6 Others 22,800 NIL NIL NIL 22,800
Total 22,800 NIL NIL NIL 22,800
Provision held towards NIL NIL NIL NIL NIL
7
depreciation
e) Repo transactions (in face value terms)
Transactions during the current year 2022-23 NIL (P.Y.- NIL)

53
 4. Asset Quality:
a) Classification of advances and provisions held as on 31.03.2023
(Rs. in Lakh)
Particulars Standard Non-Performing Total
Total Sub- Doubtful Loss Total Non-
Standard standard Performing
Advances Advances
Gross Standard Advances and NPAs
Opening Balance 257547.30 2851.72 4884.14 0 7735.85 265283.16
Add: Additions during the year 5890.50 5890.50
Less: Reductions during the year 2337.45 2337.45
Closing balance 275690.35 2509.01 3721.55 5058.35 11288.91 286979.26
Reductions in Gross NPAs due to:
Upgradation 1891.35 1891.35
Recoveries (excluding recoveries from
178.62 178.62
upgraded accounts)
Write-offs 267.48 267.48

Provisions (excluding Floating

Provisions)
Opening balance of provisions held 1059.49 285.17 8587.17 0 8872.34 9931.83
Add: Fresh provisions made during the year 2617.00
Less:Excess provision reversed/Write-off loans 0
Closing balance of provisions held 1128.49 250.90 6180.09 5058.35 11489.34 12617.83

Net NPAs
Opening Balance 0 0 0 0
Add: Fresh additions during the year 0
Less: Reductions during the year 0
Closing Balance 0 0 0 0

Floating Provisions
Opening Balance 0
Add:Additional provisions made during the year 0
Less: Amount drawn down15 during the year 0
Closing balance of floating provisions 0

Technical write-offs and the recoveries

made thereon
Opening balance of Technical/ Prudential
0
written-off accounts
Add: Technical/ Prudential write-offs during
0
the year
Less: Recoveries made from previously
technical/ prudential written-off accounts 0
during the year
Closing balance 0

54
a) Classification of advances and provisions held as on 31.03.2022
(Rs. in Lakh)
Standard Non-Performing
Particulars Total Total Non- Total
Sub-
Standard Doubtful Loss Performing
standard
Advances Advances
Gross Standard Advances and NPAs
Opening Balance 250776.53 2186.42 5122.82 0 7309.24 258085.77
Add: Additions during the year 2754.56 2754.56
Less: Reductions during the year 2327.95 2327.95
Closing balance 257547.30 2851.72 4884.14 0 7735.85 265283.16
Reductions in Gross NPAs due to:
Upgradation 1849.77 1849.77
Recoveries (excluding recoveries from upgraded
327.13 327.13
accounts)
Write-offs 151.05 151.05
Provisions (excluding Floating Provisions)
Opening balance of provisions held 1009.49 218.64 7911.70 0 8130.34 9139.83
Add: Fresh provisions made during the year 742.00
Less: Excess provision reversed/ Write-off loans 0
Closing balance of provisions held 1059.49 285.17 8587.17 0 8872.34 9931.83

Net NPAs
Opening Balance 0 0 0 0
Add: Fresh additions during the year 0
Less: Reductions during the year 0
Closing Balance 0 0 0 0

Floating Provisions
Opening Balance 0
Add: Additional provisions made during the year 0
Less: Amount drawn down15 during the year 0
Closing balance of floating provisions 0

Technical write-offs and the recoveries made

thereon
Opening balance of Technical/ Prudential written-
0
off accounts
Add:Technical/ Prudential write-offs during the year 0
Less: Recoveries made from previously technical/
0
prudential written-off accounts during the year
Closing balance 0
NPA ratios:
Ratios (in per cent) 31st March, 2023 31st March, 2022
Gross NPA to Gross Advances 3.93% 2.92%
Net NPA to Net Advances 0.00% 0.00%
Provision coverage ratio 100% 100%

55
 c) Sector-wise Advances and Gross NPAs
(Rs. in Lakh)
Sector@ 31st March, 2023 31st March, 2022
(as at March 31, 2023) (as at March 31, 2022)
Sr. Particulars Outstanding Gross Percentage Outstanding Gross Percentage
No Total NPAs of Gross Total NPAs of Gross
Advances NPAs Advances NPAs
to Total to Total
Advances Advances
in that in that
sector sector
A Priority Sector
1 Agriculture and allied activities NIL NIL NIL NIL NIL NIL
2 Advances to industries sector NIL NIL NIL NIL NIL NIL
eligible as priority sector
lending
3 Services NIL NIL NIL NIL NIL NIL
4 Personal loans NIL NIL NIL NIL NIL NIL
Sub-total (A) NIL NIL NIL NIL NIL NIL
NIL NIL NIL NIL NIL NIL
B Non Priority Sector NIL NIL NIL NIL NIL NIL
1 Agriculture and allied NIL NIL NIL NIL NIL NIL
activities
2 Advances to industries sector NIL NIL NIL NIL NIL NIL
3 Services NIL NIL NIL NIL NIL NIL
4 Personal loans 286979.26 11288.91 3.93 265283.16 7735.86 2.92%
Sub-total (B) 286979.69 11288.91 3.93 265283.16 7735.86 2.92%
TOTAL (A+B) 286979.69 11288.91 3.93 265283.16 7735.86 2.92%
@ - Sub-sectors where the outstanding advances exceeds 10% of the outstanding total advances to that sector is
disclosed separately.
c) Overseas Assets, NPAs and revenue:
Bank does not having overseas assets, NPA and Revenue during FY 2022-23 and FY 2021-22.
d) Particulars of resolution plan and restructuring
Details of accounts subjected to restructuring in Current Year – NIL (Previous Year – NIL)
e) Disclosure of transfer of loan exposures
No such transactions during F.Y. 2022-23 (P.Y. Nil)
f) Banks shall make disclose details on the number and amount of frauds as well as the provisioning thereon
as per template given below:
(Rs. in Lakh)
Particulars 31st March, 2023 31st March, 2022
Number of frauds reported NIL NIL
Amount involved in fraud (crore) NIL NIL
Amount of provision made for such frauds (crore) NIL NIL
Amount of Unamortised provision debited from other reserves as at the end NIL NIL
of the year. (crore)

56
g) Disclosure under Resolution Framework for COVID-19-related Stress
A] The Bank has not sanctioned any MSME Restructuring proposals under RBI Circular Ref No. DBR.No.BP.
VC.18/21.04.048/2018-19 dated 01.01.2019 (extended under Resolution Framework 1.0 of Aug’20 and Resolution
Framework 2.0 of May’21) for current year as well as previous year
B] The Bank has not sanctioned any restructuring proposals as per RBI Circular Ref. No. DOR.No.BP.BC/3/
21.04.048/2020-21 dated August 6, 2020 and RBI Circular Ref. No. DOR.STR.REC.11/21.04.048/2021-22 dated
May 5, 2021 for current year as well as previous year.
5. Exposure
a) Exposure to real estate sector
(Rs. in Lakh)
Category March 31, 2023 March 31, 2022
1. Direct exposure
(a) Residential Mortgages 9454.62 1328.51
Lending fully secured by mortgages on residential property that
9454.62 1328.51
is or will be occupied by the borrower or that is rented
Of above individual having housing loans eligible for inclusion in NIL NIL
priority sector advances
(b) Commercial Real Estate – NIL NIL
Lending secured by mortgages on commercial real estates NIL NIL
Of above non-fund based (NFB) limits NIL NIL
(c) Investments in Mortgage Backed Securities (MBS) and other NIL NIL
securitised exposures –
a. Residential, NIL NIL
b. Commercial Real Estate NIL NIL
2. Indirect Exposure NIL NIL
Fund based and non-fund based exposures on National Housing NIL NIL
Bank (NHB) and Housing Finance Companies (HFCs)Of the
above Non-fund based exposures on National Housing Bank
(NHB) and Housing Finance Companies (HFCs)
Any other - Indirect Exposure NIL NIL
Total 9,452.62 1328.51
b) Exposure to capital market (Rs. in Lakh)
Sr.
Particulars 31st March, 2023 31st March, 2022
No.
Direct investment in equity shares, convertible bonds, convertible
i) debentures and units of equity oriented mutual funds the corpus 12,200.00 22,800.00
of which is not exclusively invested in corporate debt;
Advances against shares / bonds / debentures or other NIL NIL
securities or on clean basis to individuals for investment in
ii)
shares (including IPOs / ESOPs), convertible bonds, convertible
debentures, and units of equity oriented mutual funds;
Advances for any other purposes where shares or convertible NIL NIL
iii) bonds or convertible debentures or units of equity oriented
mutual funds are taken as primary security;
iv) Advances for any other purposes to the extent secured by the NIL NIL
collateral security of shares or convertible bonds or convertible
debentures or units of equity oriented mutual funds i.e. where
the primary security other than shares / convertible bonds /
convertible debentures / units of equity oriented mutual funds
does not fully cover the advances;
Secured and unsecured advances to stockbrokers and NIL NIL
v)
guarantees issued on behalf of stockbrokers and market makers;

57
 Sr.
Particulars 31st March, 2023 31st March, 2022
No.
Loans sanctioned to corporates against the security of shares NIL NIL
/ bonds / debentures or other securities or on clean basis for
vi)
meeting promoter s contribution to the equity of new companies
in anticipation of raising resources;
vii) Bridge loans to companies against expected equity flows / issues; NIL NIL
Underwriting commitments taken up by the banks in respect NIL NIL
viii) of primary issue of shares or convertible bonds or convertible
debentures or units of equity oriented mutual funds;
ix) Financing to stockbrokers for margin trading; NIL NIL
All exposures to Venture Capital Funds (both registered and NIL NIL
x)
unregistered)
Total exposure to capital market 12,200.00 22,800.00
c) Risk Category-wise country exposure
The Bank does not have any foreign country exposure in current year (Previous year NIL)
d) Unsecured advances (Rs. in Lakh)
Particulars 31st March, 2023 31st March, 2022
Total unsecured advances of the bank NIL NIL
Out of the above, amount of advances for which intangible securities NIL NIL
such as charge over the rights, licenses, authority, etc. have been taken
Estimated value of such intangible securities NIL NIL
e) Factoring Exposure
The Bank does not have any Factoring Exposure for current year (Previous Year-NIL)
6. Concentration of deposits, advances, exposures and NPAs
a) Concentration of deposits (Rs. in Lakh)
Particulars 31st March, 2023 31st March, 2022
Total deposits of the twenty largest depositors 16,542.91 14,523.47
Percentage of deposits of twenty largest depositors to total deposits
4.32% 3.86%
of the bank
b) Concentration of advances (Rs. in Lakh)
Particulars 31st March, 2023 31st March, 2022
Total advances to the twenty largest borrowers 1257.91 443.08
Percentage of advances to twenty largest borrowers to total advances
0.44 0.17%
of the bank
Advances are computed based on credit exposure i.e. funded and non-funded limits including derivatives exposure
where applicable. The sanctioned limits or outstanding, whichever are higher, are reckoned. However, in case
of fully drawn term loans, where there is no scope for re-drawal of any portion of the sanctioned limit, Bank has
reckoned the outstanding as the credit exposure.
With reference to Master Circular RBI/2015-16/45 DCBR.CO.BPD.(PCB) MC No.13/13.05.000/2015-16 dated
July 1,2015 “Exposure Norms and statutory / Other Restrictions - UCBs” , in the above credit exposure loans and
advances granted against the security of bank’s own term deposits are excluded.
c) Concentration of exposures (Rs. in Lakh)
Particulars 31st March, 2023 31st March, 2022
Total exposure to the twenty largest borrowers / customers 1257.91 443.08
Percentage of exposures to the twenty largest borrowers / customers
0.44 0.17%
to the total exposure of the bank on borrowers / customers

58
d) Concentration of NPAs (Rs. in Lakh)
Particulars 31st March, 2023 31st March, 2022
Total Exposure to the top twenty NPA accounts 309.31 249.78
Percentage of exposures to the twenty largest NPA exposure to total
2.74% 3.23%
Gross NPAs.
7. Derivatives
The bank has not entered into any transactions in derivatives in the current and previous year.
8. Disclosure of complaints
a) Summary information on complaints received by the bank from customers and from the Offices of Banking
Ombudsman (OBOs)
31st March, 31st March,
Sr. No Particulars
2023 2022
Complaints received by the bank from its customers
1 Number of complaints pending at beginning of the year 1 NIL
2 Number of complaints received during the year 132 112
3 Number of complaints disposed during the year 133 111
3.1 Of which, number of complaints rejected by the bank NIL NIL
4 Number of complaints pending at the end of the year NIL 1
Maintainable complaints received by the bank from OBOs
Number of maintainable complaints received by the bank from 4 NIL
5
OBOs
5.1. Of 5, number of complaints resolved in favour of the bank by Bos 3 NIL
Of 5, number of complaints resolved through conciliation/ 1 NIL
5.2
mediation/advisories issued by Bos
Of 5, number of complaints resolved after passing of Awards NIL NIL
5.3
by BOs against the bank
Number of Awards unimplemented within the stipulated time NIL NIL
6
(other than those appealed)
b) Top five grounds*of complaints received by the bank from customers

Number of Number of %
Number of Of 5,
complaints complaints increase/ decrease
complaints number of
pending at received in the number of
Grounds of complaints, pending at complaints
the beginning during complaints
(i.e. complaints relating to) the end of the pending
of the year the year received over the
year i.e. as on beyond
i.e. as on i.e. during previous year i.e.
31.03.2023 30 days
01.04.2022 2022-23 2021-22
Current year (31.03.2023)
Ground-1-Branch Services 1 19 -9.52 0 -
Ground-2- Advances 0 43 72.00 0 -
Ground-3 - Deposits 0 13 -51.85 0 -
Ground-4 - General (Wrong
transfer, Refund, unauthorized 0 22 0.00 1 1
transaction)
Ground-5 – ATM 0 19 171.43 0 -
Others 0 20 100.00 0 -
Total 1 136 21.43 1 1

59
 Previous year (31.03.2022)
No. of No. of % No of
Of 5,
complaints complaints increase/ decrease complaints
number of
pending at received in the number of pending at
Grounds of complaints, (i.e. complaints
the beginning during the complaints the end of the
complaints relating to) pending
of the year year i.e. received over the year i.e.
beyond
i.e. as on during previous year i.e. as on
30 days
1.4.2021 2021-22 2020-21 31.03.2022
Ground-1-Branch Services 0 21 1 1
Ground-2-Advances 0 25 0 0
Ground-3 Deposit 0 27 0 0
Ground-4-General 0 22 0 0
Ground-5-ATM 0 7 0 0
Others 0 10 0 0
Total 0 112 1 1
*As per Master List for identifying grounds of complaints as provided in Appendix 1 to circular CEPD.CO.PRD.Cir.
No.01/13.01.013/2020-21 dated January 27, 2021 on ‘Strengthening the Grievance Redress Mechanism of Banks’.
1. ATM/Debit Cards 2. Credit Cards 3. Internet/Mobile/ Electronic Banking 4. Account opening/
difficulty in operation of
accounts
5. Mis-selling/Para- 6. Recovery Agents/ 7. Pension and facilities for senior 8. Loans and advances
banking Direct Sales Agents citizens/ differently abled
9. Levy of charges 10. Cheques/ drafts/ 11. Non-observance of Fair Practices 12. Exchange of coins,
without prior notice/ bills Code issuance/ acceptance of
excessive charges/ small denomination notes
foreclosure charges and coins
13. Bank Guarantees/ 14. Staff behavior 15. Facilities for customers visiting 16. Others
Letter of Credit and the branch/ adherence to prescribed
documentary credits working hours by the branch, etc.
Note: Maintainable complaints refer to complaints on the grounds specifically mentioned in BO Scheme 2006 and
covered within the ambit of the Scheme.
9. Other Disclosures
a) Business ratios:
Sr.No. Particular 31st March, 2023 31st March, 2022
i) Interest Income as a percentage to Working Funds 8.71% 8.51%
ii) Non-interest income as a percentage to Working Funds 0.35% 0.13%
iii) Cost of Deposits 5.95% 5.61%
iv) Net Interest Margin 4.94% 4.59%
v) Operating Profit as a percentage to Working Funds 3.06% 2.55%
vi) Return on Average Assets 1.98% 1.73%
vii) Business (deposits plus advances) per employee (in lakh) 2,518.22 2,359.12
viii) Profit per employee (in lakh) 34.76 29.76
b) The Bank has not received any commission from Bank assurance business for the current year as well as previous
year.
c) The Bank has not received any commission from Marketing & Distribution function for the current year as well as
previous year
d) The Bank has neither purchased nor sold any priority secotr lending certificates during the current year as well as
previous year.

60
e) Provisions and contingencies: (Rs. in lakh)
Sr. No. Provision debited to Profit and Loss Account 31st March, 2023 31st March, 2022
i) Provisions for NPI NIL NIL
ii) Provision towards NPA 2617.00 742.00
iii) Provision made towards Income tax
iv) Other Provisions and Contingencies (with details)
Current Tax 3670.00 3129.00
Deferred Tax (938.25) (125.63)
a. Provision for Standard Assets 69.00 50.00
f) Payment of DICGC Insurance Premium (Rs. in lakh)
Sr. No. Particulars 31st March, 2023 31st March, 2022
1 Payment of DICGC Insurance Premium 448.32 465.48
2 Arrears in payment of DICGC premium NIL NIL
g) Disclosure of facilities granted to director and their relatives (Rs. in lakh)
Sr. No. Particulars 31st March, 2023 31st March, 2022
1. Fund Based: 95.52 73.45
2. Non-Fund Based NIL NIL
10. Addition of Rs. 52,292/- to the statutory reserves (excluding appropriations) during the year is made as per the
provisions of the Bye-Laws consisting of the following items.
Particulars Amount in Rs.
FY 2022-23 FY 2021-22
Re-Admission Fees 4550.00 1180.00
Entrance Fees 47742.00 32493.00
Total 52292.00 33,673
11. During the year, the Bank has written off an amount of Rs. 2,67,47,744.11 (Previous year written off in. Rs.
3,63,52,176.04) towards bad debts which is identified by the Management as irrecoverable, approved by the AGM
and Board of Directors. The said amount has been fully provided for, and written off from the Bad & Doubtful Debt
Reserve (from Suretyship Guarantee Fund in previous year).
12. There is an unreconciled amount of Rs. 27,22,152.77 received from MCGM towards settlement of dues of defaulter
members who either retired, expired, resigned etc.
13. There is a court case which is pending in the High Court between The Municipal Co-Operative Bank Ltd., Mumbai
and its employee. Bank has deposited Rs. 11,05,000 /- with the court. The amount has been disclosed under other
assets as “Deposit for Court Prohibition Order”.
14. The information in respect of their registration under Micro, Small, Medium Enterprises Development Act, 2006 is
not received from suppliers / service providers by the Bank. Hence, information relating to the cases of delays if
any, in payments to such enterprises or of interest payments due to such delay could not be given.
15. The Bank’s management has assessed the impact of COVID-19 pandemic on the operations of the Bank.
Management does not anticipate any significant impact on the business and profitability of the Bank due to the
same. Also, there have been no events subsequent to the balance sheet date that require adjustment of the
financial statements or notes thereto. The management has decided not to implement the RBI Circular in respect
of Moratorium, restructuring of stressed assets and refund / adjustment of interest on interest.
16. The appropriation of Profit is separately disclosed in annual report.
17. Previous year’s figures have been regrouped / rearranged wherever necessary to confirm to the layout of the
accounts of the current year.

FOR M/S G D APTE & CO. FOR THE MUNICIPAL CO-OPERATIVE BANK LTD., MUMBAI
CHARTERED ACCOUNTANTS
FIRM REG. NO. 100515W
(V.H. RAVADKA) (M.D. BANGAR)
CA SAURABH S PESHWE GENERAL MANAGER DIRECTOR
PARTNER
M.NO. 121546

PLACE: MUMBAI ( V.A. MALI ) ( V.V. SHANKARWAR )

DATE: 23-06-2023 DIRECTOR CHAIRMAN

61
 Independent Auditors’ Report

To,
The Members,
The Municipal Co-operative Bank Ltd.,
Mumbai.
Report on Financial Statements
Qualified Opinion
We have audited the accompanying Financial Statements of The Municipal Co-Op. Bank Ltd. Mumbai (‘the Bank’),
which comprises of Balance Sheet as at March 31, 2023 and the Statement of Profit and Loss and the Cash Flow
Statement for the year ended on March 31, 2023 and a summary of significant accounting policies and other explanatory
information incorporated in these financial statements of the bank along with its twenty two branches audited by us for
the period from April 01, 2022 to March 31, 2023.
In our opinion, and to the best of our information and according to the explanations given to us, except for the possible
effects of the matter described in the Basis for Qualified Opinion paragraph, the aforesaid financial statements together
with notes thereon give the information required by the Banking Regulation Act, 1949 (AACS), the Maharashtra
Cooperative Societies Act, 1960/2013 and the rules made there under and other applicable Acts and the guidelines and
circulars issued by the Reserve Bank of India (RBI) and Registrar of Cooperative Societies, in the manner so required
for the Bank and give a true and fair view in conformity with the accounting principles generally accepted in India:
i. In the case of the Balance Sheet, of the state of affairs of the Bank as at March 31, 2023; and
ii. In the case of the Statement of Profit and Loss of the profit for the financial year ended on that date.
iii. In case of Cash Flow Statement of the Cash Flows for the financial year ended as on that date.
Basis of Qualified Opinion:
We conducted our audit in accordance with the Standards on Auditing (SAs) issued by the Institute of Chartered
Accountants of India. 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 bank in accordance with
the code of ethics issued by the Institute of Chartered Accountants of India together with ethical requirements that are
relevant to our audit of the financial statements under the provisions of the Banking Regulations Act, 1949 and the
rules made there under and under the provisions of the Maharashtra Cooperative Societies Act, 1960/2013 and the
rules made there under and we have fulfilled our other ethical responsibilities in accordance with these requirements
and the code of ethics. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a
basis for our qualified audit opinion.
• Certain Balances amounting to Rs. 1,145.99 Lakhs and Rs. 3,254.41 Lakhs respectively, accounted under Other
Assets and Other Liabilities are subject to confirmation, reconciliation and consequential adjustments (if any).
• Balance of Advances, Deposits and Interest Payable on deposits as per the Balance Sheet is subject to
reconciliation with the customer wise records and consequential adjustments (if any).
Consequently, we were unable to determine whether any adjustments to these amounts were necessary.
Emphasis of Matter:
We draw your attention to Note No. 15 of Notes forming part of Accounts of the Financial Statements which describes
uncertainty of impact due to Covid-19 pandemic on Bank’s financial performance, which is dependent on future
development.
Our opinion is not modified in respect of this matter.
Information Other than the Financial Statements and Auditor’s Report thereon:
The Bank’s Board of Directors is responsible for the preparation of the other information. The other information comprises
the information included in the Directors’ Report including other explanatory information, but does not include the
financial statements and our auditor’s report thereon. The Directors’ Report is expected to be made available to us after
the date of this auditors’ report.
Our opinion on the financial statements does not cover the other information and we do not express any form of
assurance conclusion thereon.

62
In connection with our audit of the financial statements, our responsibility is to read the other information and, in doing
so, consider whether the other information is materially inconsistent with the financial statements or our knowledge
obtained during the course of our audit or otherwise appears to be materially misstated.
When we read the Directors’ Report including other explanatory information, if we conclude that there is a material
misstatement therein, we are required to communicate the matter to those charged with governance and determine the
actions under the applicable laws and regulations.
Management’s Responsibility for the Financial Statements:
The Bank’s Board of Directors is responsible for 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, provisions of Banking Regulation Act,
1949 (AACS) and the rules made there under, provisions of Maharashtra Cooperative Societies Act, 1960/2013 and
the rules made there under and circulars and guidelines issued by the Reserve Bank of India (RBI) and Registrar of
Cooperative Societies from time to time. 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 Bank’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 Bank or to cease operations, or has no realistic alternative but to do so.
The Board of Directors are also responsible for overseeing Bank’s Financial Reporting progress.
Auditors’ Responsibility:
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
Standards on Auditing 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 Standards on Auditing, we exercise professional judgment and maintain
professional scepticism 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 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.
• Obtain an understanding of internal control relevant to the audit in order to design procedures that are appropriate
in the circumstances.
• 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 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 Bank 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.

63
 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.
Report on Other Legal and Regulatory Requirements:
The Balance Sheet and the Profit and Loss Account have been drawn up in accordance with the section 29 of the
Banking Regulation Act, 1949 (AACS) read with the provisions of the Maharashtra Co-operative Societies Act, 1960
and rules there under.
We report that, except for the possible effects of the matter described in the Basis for Qualified Opinion paragraph
above:
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 found them to be satisfactory;
b. In our opinion, proper books of accounts as required by Act, rules and bye-laws of the Bank have been kept by the
Bank so far as it appears from our examination of those books.
c. The transactions of the Bank which came to our notice have been within the powers of the Bank;
d. The Balance Sheet, the Profit and Loss Account and the Cash Flow Statement dealt with by this report, are in
agreement with the books of account and the returns of the Bank;
e. The accounting standards adopted by the Bank are consistent with those laid down by accounting principles
generally accepted in India so far as applicable to Urban Cooperative Banks;
f. Based on our examination of the books of accounts and other records and as per the information and explanations
given to us, we have not come across material instances which are required to be reported under Rule 69 (6) of
the Maharashtra Co-operatives Rules, 1961, except the possible effects of the matter described in the Basis for
Qualified Opinion paragraph above and the monies belonging to the Bank which appears to be bad and doubtful
of recovery, amounting to Rs. 11,288.91 lakhs, for which adequate provision has been made by the Bank in terms
of RBI guidelines on Income Recognition and Asset Classification.
g. For the year under audit, the Bank has been awarded “A” classification.
For G. D. Apte & Co.,
Chartered Accountants
Firm Reg. No 100 515W
(Saurabh Peshwe)
Partner
Membership No. 121546
UDIN: 23121546BGWKAE7392
Place: Mumbai
Date: June 23, 2023

64
 CASH FLOW STATEMENT FOR THE YEAR ENDED 31 MARCH 2023
31-03-2023 31-03-2022
Amount Amount Amount Amount
In Rupees In Rupees In Rupees In Rupees
CASH FLOW FROM OPERATING
A.
ACTIVITIES :
Net Profit before Tax & Extraordinary
1,29,16,99,165 1,12,23,51,302
Items
Adjustments for :
Depreciation on Fixed assets 1,15,49,677 1,38,55,323
Interest on MWF 4,26,62,889 4,02,23,090
Interest on Earmarked Government
5,22,02,941 4,62,51,813
Securities
Provision for bad debts 26,17,00,000 7,42,00,000
Provision for standard asset 69,00,000 50,00,000
Loss on sale of Fixed Asset 1,57,387 4,07,167
Profit on sale of Asset (6,78,163) (2,46,786)
Amortisation of premium on securties 18,28,107 19,39,629
Deferred Tax (9,38,25,466) 28,24,97,372 (1,25,62,968) 16,90,67,269
Operating profit before working capital
1,57,41,96,537 1,29,14,18,571
changes
Adjustments for :
(Increase) / Decrease in Operating
Assets :-

(Increase) / Decrease in Investments 1,39,28,65,960

(10,21,95,283)

(Increase) / Decrease in Advances (2,19,63,57,667)

(75,62,29,528)
(Increase) / Decrease in Interest
(2,57,82,791) (1,13,20,888)
Receivable
(Increase) / Decrease in Other Assets 19,48,862 3,71,35,445
(Decrease) / Increase in Deposits 64,68,60,456 (1,30,12,79,513)
(Decrease) / Increase in Overdue Interest
50,55,977 8,95,364
Reserve
(Decrease) / Increase in Interest Payable 15,05,31,074 (20,91,33,558)
(Decrease) / Increase in Other Liabilities 12,36,19,247 6,95,23,037
Receipts / (payments) from funds (3,03,38,321) (2,71,73,062)
Reversal of excess provision of Previous
2,66,07,585
Year (Net)
Recoveries from written off accounts 2,72,58,648 (1,37,27,92,212) 1,51,08,106 (78,96,08,637)
Cash generated from operations 20,14,04,326 50,18,09,933
Direct Taxes (36,70,00,000) (31,29,00,000)
Net cash generated from operating
(16,55,95,674) 18,89,09,933
activities

65
 31-03-2023 31-03-2022
Amount Amount Amount Amount
In Rupees In Rupees In Rupees In Rupees
CASH FLOW FROM INVESTING
B.
ACTIVITIES :
Purchase/ (sale) of Fixed Assets (38,28,695) (20,53,885)
Amortisation of premium on securties (18,28,107) (56,56,803) (19,39,629) (39,93,514)
Net Cash (used in)/ generated from
(56,56,803) (39,93,514)
Investment activities
CASH FLOW FROM FINANCING
C.
ACTIVITIES :
Proceeds from issue / (redemption) of
(4,13,75,200) (6,69,05,900)
shares
Dividend paid (26,90,00,000) (31,03,75,200) (22,75,00,000) (29,44,05,900)
Net Cash (used in)/ generated from
(31,03,75,200) (29,44,05,900)
Financing activities
Net (decrease)/increase in cash and
(48,16,27,677) (10,94,89,481)
cash equivalents
Opening balance of cash and cash
8,76,62,35,801 8,87,57,25,282
equivalents
Closing balance of cash and cash
8,28,46,08,124
equivalents 8,76,62,35,801
Cash and cash equivalents comprise
of:
Cash on Hand 33,35,95,852 38,79,21,111

Balances with Banks 1,91,04,12,272

1,87,56,14,690
Highly liquid investments ( Fixed
6,04,06,00,000
Deposits) 6,50,27,00,000

Total 8,28,46,08,124
8,76,62,35,801
Notes:
1. Cash and Cash equivalents include highly liquid short term investments in form of cash balances held in current
accounts with other banks (including Term Deposits) and Money at call and short notice.
2. Cash flow statement is prepared using indirect method as mentioned in AS -3

FOR THE MUNICIPAL CO-OPERATIVE BANK LTD.MUMBAI

For M/S G D APTE & CO V.H.RAVADKA V. A. MALI

CHARTERED ACCOUNTANTS GENERAL MANAGER DIRECTOR
FIRM REG.NO.100515W

(CA SAURABH S PESHWE) M.D.BANGAR V.V.SHANKARWAR
PARTNER DIRECTOR CHAIRMAN
M.NO. 121546

PLACE : MUMBAI
DATE : 23.06.2023

66
POSITION AT A GLANCE ANNEXURE - A
Name of Bank: The Municipal Co-Operative Bank Ltd., Mumbai
Registered Office Address: Municipal Bank Bhavan, 245 P. D’Mello Road, Fort, Mumbai - 400 001 .
Date of Registration 29.02.1952
Date & Number of R.B.I. Licence: UBD.MH.547P dt. 10.09.1986
Jurisdiction The area of operation of the Bank shall be confined to the Greater Mumbai and
at such other places where the Municipal Corporation of Greater Mumbai has
jurisdiction and or its office / offices.
No. of Branches (and H.O.) 21 Branches and Head Office
As on 31 st March, 2023
Membership: Regular 73888
(Amount in crores)
Paid up Share Capital: 143.50
Total Reserve & Funds: 644.85
Deposit: Saving 979.03
Current 3.60
Other 2846.03
Total Deposit 3828.66
Advances: Secured 2869.79
Unsecured -
Total Advances 2869.79
Total % of Priority Sector: N.A.
Total % of Weaker Section: N.A.
Borrowings: -
Investments: 1766.13
Gross NPA %: 3.93%
Net NPA%: Nil
Overdues % : 1.12%
CRAR % 14.93%
Audit Classification: ‘A’
Profit for the year 92.47
Officers 111
Executive Assistant 96
Sub staff 59
Total staff 266
Working Capital: 5247.23

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 1953 6,830 9.71 0.77 16.03 16.80 0.50 28.02
1970 27,135 53.27 152.82 370.06 522.89 16.57 644.30
1980 41,883 113.09 531.42 489.74 1,021.17 170.01 1,507.96
1990 81,383 682.11 3,223.65 1,992.27 5,215.92 1,404.60 1,415.57
2000 1,02,187 2,949.93 16,301.47 11,015.28 27,316.75 8,269.19 43,791.33
2005 91,979 5,860.94 26,859.34 38,139.14 64,998.48 14,827.12 93,974.27
2010 93,746 9,030.44 42,463.70 48,294.32 90,758.02 18,875.26 1,37,046.82
2013 89,576 13,107.83 63,019.03 91,031.77 1,54,050.80 23,007.59 2,19,461.14
2014 87,823 13,841.03 76,951.34 1,12,195.91 1,89,147.25 24,496.84 2,52,134.10
2015 87,679 15,338.11 84,926.81 1,49,744.63 2,34,671.44 26,627.13 3,03,012.01
2016 87,940 16,669.56 92,068.12 1,76,918.25 2,68,986.37 28,914.82 3,46,115.56
2017 86,452 17,424.20 98,280.94 2,20,333.79 3,18,614.73 32,539.66 4,07,118.07
2018 85,439 15,723.33 1,02,108.47 2,20,493.38 3,22,601.85 36,468.06 4,18,476.71
2019 84,912 15,807.40 1,03,501.38 2,44,607.86 3,48,109.24 41,533.36 4,53,476.70
2020 83,724 15,878.60 1,06,312.04 2,68,687.43 3,74,999.47 45,683.91 4,82,593.22
2021 80,482 15,433.78 1,08,011.78 2,81,399.13 3,89,410.91 49,730.59 5,06,995.97
2022 76,333 14,764.72 1,07,752.56 2,68,645.56 3,76,398.12 55,728.63 5,02,046.65
2023 73,888 14,350.96 1,08,594.27 2,74,272.46 3,82,866.73 64,485.67 5,24,723.01

1953 0.52 45.73 - - 46.25

1970 19.33 330.13 - - 349.46
1980 61.11 557.53 - - 618.64
1990 520.00 5,944.34 25.15 - 6,489.49
2000 3,190.98 23,107.38 538.33 588.59 27,425.28
2005 6,131.71 50,233.21 651.38 314.89 57,331.19
2010 8,669.99 77,498.85 678.16 291.19 87,138.19
2013 10,773.83 1,31,303.10 654.64 525.10 1,43,256.67
2014 13,149.78 1,34,846.49 642.31 577.42 1,49,216.00
2015 14,638.04 1,52,552.67 624.70 775.68 1,68,591.09
2016 15,361.72 1,82,072.11 662.20 760.18 1,98,856.21
2017 13,597.39 1,99,864.82 644.82 341.38 2,14,448.41
2018 11,068.60 2,22,155.55 581.03 348.03 2,34,153.21
2019 9,848.16 2,28,756.81 537.51 1,836.21 2,40,978.69
2020 11,294.10 2,43,173.48 1,279.23 734.17 2,56,480.98
2021 10,271.59 2,46,730.28 429.01 654.91 2,58,086.79
2022 11,169.02 2,53,246.31 414.26 453.57 2,65,283.15
2023 12,029.19 2,73,671.77 442.87 834.79 2,86,978.62

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