2019-20 01 27/02/2021 - pdpatilsahebbank.com
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Balance Sheet as on 31/03/2020
31/03/2019 Liabilities 31/03/2020 31/03/2019 Assets 31/03/2020
Amount ` Amount ` Amount ` Amount ` Amount ` Amount `
80,000,000.00
Authorised Share
Capital 80,000,000.00 29,062,607.67 1. Cash in Hand & ATM 32,102,811.00
( 8,00,000 Shares of
Rs.100/- each )
72,195,312.92 2. Bank Balances 52,387,643.20
50,259,500.00
1. Share Capital Paid
Up (9527) 51,218,700.00 6,831,073.32
1) Satara D.C.C.Bank Ltd.
Satara 3,257,719.32
(512187 Shares of
Rs.100/- each ) 406,209.89
2) State Bank of India (Karad
Tr. & Satara) 203,744.89
630,350.63
3) Maharashtra State Co-
op.Bank Ltd., Mumbai 367,861.16
146,945,717.00 2. Funds 165,293,017.00 64,327,679.08
4) Other Bank (IDBI, Baroda,
HDFC, ICICI, Axis, Union
Bank) 48,558,317.83
34,667,217.00 1) Reserve Fund 38,196,517.00
33,125,500.00 2) Building Fund 37,793,500.00 613,090,742.00 3. Investment 804,764,832.00
60,500,000.00 3) B.D.D.R. 65,753,000.00 330,928,310.00
1) Govt. Securities (Face value
` 36,75,00,000) 362,269,362.00
4,500,000.00
4) Provision against
Standard Assets 4,500,000.00 39,970,000.00
2) Govt.Securities Marked for
Reserve Fund (F.V. `
4,00,00,000) 39,970,000.00
6,800,000.00
5) Investment Fluctuation
Reserve 7,800,000.00 63,913,000.00
3) Govt.Securities Marked for
Other Fund (F.V. `
6,50,00,000) 63,913,000.00
2,253,000.00
6) Investment
Depreciation Reserve 6,000,000.00 9,898,000.00
4) SDL Securities (F.V. `
10,00,00,000) 100,242,000.00
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600,000.00 7) Member Welfare Fund 600,000.00 24,881,432.00 5) Treasury Bill 39,500,470.00
50,000.00 8) Employee Welfare Fund 50,000.00 42,500,000.00
6) Satara D.C.C.Bank
Ltd.,Satara Br.Karad 16,370,000.00
1,800,000.00 9) Special Reserve 1,800,000.00 0.00
7) Maharashtra State Co-
op.Bank Ltd.,Mumbai 15,000,000.00
1,700,000.00
10) Provision for
Unforeseen Losses 1,800,000.00 2,500,000.00 8) IDBI Bank Ltd. Br.Karad 22,500,000.00
550,000.00
11) Provision for
Election Fund 550,000.00 2,500,000.00
9) Union Bank of India
Br.Karad 30,000,000.00
400,000.00
12) Provision for
Member Education Fund 450,000.00 23,500,000.00 10) HDFC Bank Ltd. 13,500,000.00
10,000,000.00 11) ICICI Bank Br. Karad 30,000,000.00
0.00 3. Borrowings 0.00 32,500,000.00
12) TJSB Sahakari Bank
Thane Br. Karad 20,000,000.00
30,000,000.00 13) PMC Bank Br. Kolhapur 30,000,000.00
1,312,254,282.04 4. Deposit 1,439,212,003.49 0.00
14) Liquid Fund (Axix /
Baroda / HDFC) 21,500,000.00
a) Term Deposit
731,679,928.47
1) Individual
Matured- 1,95,04,366.43) 766,267,718.43 6,000.00 4.Investment in Share 6,000.00
160,120,396.00 2) Institution 187,848,463.00 5,000.00
1) Satara D.C.C.Bank
Ltd.,Satara 5,000.00
b) Savings Deposit 1,000.00
2) Maharashtra State Co-
op.Bank Ltd.,Fort, Mumbai 1,000.00
365,000,879.71 1) Individual 429,389,652.80
c) Current Deposit 769,580,124.94 5. Loan & Advances 723,084,351.35
6,849,714.92 1) Individual 4,360,372.84 a) Short Term Loans
48,001,053.38 2) Institution 50,587,897.35 178,798,578.38
1) Secured (Which is
Overdue ` 5,94,925.80) 192,600,962.34
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602,309.56
3) Credit Balance at
Cash Credit 757,899.07 6,369,582.90
2) Unsecured (Which is
Overdue ` 25,873.00) 9,248,216.35
0.00 3) Bills Purchased 0.00
0.00
5.Bills for Collection
(As per Debit Side) 0.00 b) Medium Term Loans
495,436,123.66
1) Secured (Which is
Overdue ` 95,24,457.00) 451,069,210.66
14,157,607.00
6. Overdue Interest
Reserve (OIR) 16,732,857.00 c) Long Term Loans
88,975,840.00
1) Secured (Which is
Overdue ` 1,71,878.00) 70,165,962.00
41,048,753.00
7. Interest Payable on
Deposit 41,312,993.00
30,336,253.00 6. Interest Receivable 31,855,831.00
1,905,490.00 1) Investment 1,832,895.00
8,437,041.00 2) Govt. Securities 9,172,176.00
19,993,722.00 3) Agriculture Loan 20,850,760.00
1,564,665,859.04 Total Tr. to Next Page 1,713,769,570.49 1,514,271,040.53 Total Tr. to Next Page 1,644,201,468.55
Balance Sheet as on 31/03/2020
31/03/2019 Liabilities 31/03/2020 31/03/2019 Assets 31/03/2020
Amount ` Amount ` Amount ` Amount ` Amount ` Amount `
1,564,665,859.04 Total from Previous Page 1,713,769,570.49 1,514,271,040.53 Total from Previous Page 1,644,201,468.55
4,494,672.00
8. Other Liabilities &
Provisions 9,579,445.39 14,157,607.00
7. Overdue Interest Reserve
(OIR) 16,732,857.00
170,008.00 1) Dividend Payable 179,180.00
2,732.00 2) Anamat 75,635.00
0.00 8. Bills Receivable (As per
Credit Side) 0.00
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68,711.00 3) Security Anamat 94,183.00
446,354.00 4) IMPS 277,638.00 0.00 9. Branch Adjustment 0.00
3,279.00 5) Bill Desk A/c 16,038.00
0.00 6) POS A/c 105,599.13 50,902,665.72 10. Fixed Assets 67,305,589.72
0.00 7) Pigmi Agent A/c 3,251,256.00
7,085,452.00 1) Dead Stock, Furniture &
Fixture 6,450,170.00
310,849.00 8) Pay Slip 139,866.00 1,464,925.00 2) Machinery 1,289,760.00
203,691.00 9) Unclaimed Demand Draft 178,958.00
3,097,323.72 3) Computer Hardware &
Software 6,616,126.72
1,430,121.00 10) Sundry Creditors 1,547,644.00 617,327.00 4) Electric Fittings & Fixture 555,592.00
1,205,146.00 11) Employee Bonus Payable 1,333,099.00 1,659,387.00 5) Vehicle 1,302,681.00
467,000.00 12) Audit Fee Payable 517,600.00 35,508,251.00 6) Building 49,621,260.00
142,364.00 13) T.D.S. Payable 119,247.00 1,470,000.00 7) Land 1,470,000.00
22,208.50 14) CGST Payable. 16,559.93
22,208.50 15) SGST Payable. 16,559.93 2,883,695.25 11. Other Assets 6,818,081.63
0.00 16) IGST Payable 1,634.40
750,881.36 1) Stock of Printing &
Stationery 774,547.22
0.00 17) Unrealised Interest on
Investment 1,708,748.00
14,000.00 2) Stock of Stamp (General) 15,800.00
67,730.00 3) Telephone Deposit 67,730.00
0.00 9. Branch Adjustment 0.00 60,956.00 4) M.S.E.B. Deposit 63,105.00
264,887.00
5) Prepaid Insurance
Premium 243,968.66
13,054,477.46 10. Profit 11,708,981.02 876,074.04 6) Dead Stock Advance 3,310,738.08
349.64
1) Previous Year Balance
Profit 2018-19 894.47 12,595.13 7) CGST Receivable RCM 12,595.13
2) Current Profit as per Profit
& Loss 12,595.13 8) SGST Receivable RCM 12,595.13
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19,642,127.82 Profit Before Tax 18,708,086.55 286,582.30 9) CGST Receivable 621,206.25
6,588,000.00 Less Income Tax 7,000,000.00 286,582.30 10) SGST Receivable 621,206.25
13,054,127.82 Profit After Tax 11,708,086.55 27,407.79 11) IGST Receivable 151,150.91
220,760.00 12) T.D.S. Receivable 3,060.00
2,644.20 13) T.D.S. on GST Receivable 4,794.00
11. Contingent Liabilities - 0.00 14) Income Tax Receivable 800,000.00
1. Bank Guarantee
` 20,000/- 0.00 15) ICICI Fastag A/c 115,585.00
2. Deposit Education &
Awareness
Fund (DEAF)
8,92,918/-
1,582,215,008.50 Total 1,735,057,996.90 1,582,215,008.50 Total 1,735,057,996.90
Profit & Loss Account from 01/04/2019 to 31/03/2020
31/03/2019 Expenditure 31/03/2020 31/03/2019 Income 31/03/2020
Amount ` Amount ` Amount ` Amount ` Amount ` Amount `
74,750,109.78 1. Interest Paid 73,938,308.21 146,628,711.59 1. Interest Received 145,587,692.91
74,750,109.78 Interest Paid on Deposit 73,938,308.21 97,918,549.83
Interest Received on Loans &
Advances 92,993,923.13
0.00 Interest Paid on Overdraft 0.00 14,197,763.76 Interest Received on Investment 14,079,644.45
34,412,398.00
Interest Received on Govt.
Securities 38,514,125.33
22,671,012.50 2. Salary & Allowances 25,773,943.00 100,000.00
Profit on Matured of Govt.
Securities (Discount) 0.00
16,228,106.00 Employee Salary Paid 17,736,516.00
1,807,962.00
Employee Provident Fund
Contribution 1,987,968.00 408,128.54 2. Commission Received 112,817.26
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773,687.00 Employee Gratuity 1,403,674.00
1,247,729.00
Employee Bonus & Ex-
gratia 1,333,099.00 2,306,865.48 3. Other Income 3,268,152.40
148,000.00
Employee Medical
Allowance 152,000.00
83,605.00 Employee Training 119,441.00 558,000.00 4. Profit on Sale of Govt. Securities 1,237,283.00
539,283.50 Employee Welfare 593,336.00
1,393,140.00 Employee Leave Salary 1,737,909.00
449,500.00 Employee Incentives 710,000.00
458,565.00
3. Director Meeting
Allowance 437,695.00
5,856,583.64
4.Rent,Tax,Insurance &
Electrical 6,418,671.60
2,088,584.00 Bank Office Rent 1,879,908.00
2,500.00 Bank Professional Tax 2,500.00
317,629.76 CGST 589,956.13
317,629.76 SGST 589,956.13
26,955.00 IGST 17,378.60
1,616,959.50 Bank Insurance/DICGC 1,695,846.66
1,266,903.62 Electrical 1,414,898.08
219,422.00 Municipal Tax 228,228.00
4,900.00 5. Legal 17,900.00
45,849.41 6. Postage & Telephone 527,385.09
12,655.00 Postage 31,127.00
33,194.41 Telephone 496,258.09
498,396.00 7. Audit Fee 577,563.00
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10,617,786.10
8. Depreciation &
Maintenance 10,893,241.28
8,222,787.00 Depreciation 10,123,478.00
1,677,102.60 Computer Maintenance 425,948.16
717,896.50 Maintenance 343,815.12
114,903,202.43 Total Tr. to Next Page 118,584,707.18 149,901,705.61 Total Tr. to Next Page 150,205,945.57
Profit & Loss Account from 01/04/2019 to 31/03/2020
31/03/2019 Expenditure 31/03/2020 31/03/2019 Income 31/03/2020
Amount ` Amount ` Amount ` Amount ` Amount ` Amount `
114,903,202.43 Total from Previous Page 118,584,707.18 149,901,705.61 Total from Previous Page 150,205,945.57
567,899.56
9. Printing, Stationery &
Advertisement 568,303.58
27,494.61 Printing 48,451.84
130,704.79 Computer Stationery 180,264.12
188,309.68 Stationery 135,155.48
221,390.48 Advertisement 204,432.14
2,988,475.80 10. Other 3,344,848.26
948,921.00 Pigmy Commission 715,144.00
486,910.80 Miscellaneous 549,420.81
958,664.00 Office Travelling 1,093,052.00
54,000.00 Contribution to Co-op.
Institution 72,415.00
203,894.00 Annual General Meeting 245,586.00
165,500.00 Consultant Fee 168,900.00
37,647.00 News Paper 51,937.00
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99,391.00 Premium Paid on Govt.
Securities 103,231.00
25,000.00 Donation 260,000.00
7,198.00 Other Charges on Loan 73,408.00
1,350.00 License Fees 3,975.00
0.00 ATM Charges A/c. 7,779.45
11,800,000.00 11. Provision 9,000,000.00
11,800,000.00 Provision for B.D.D.R. 5,253,000.00
0.00
Provision for Investment Dep.
Reserve 3,747,000.00
6,588,000.00 12. Income Tax 7,000,000.00
13,054,127.82 13. Net Profit after Tax 11,708,086.55
149,901,705.61 Total 150,205,945.57 149,901,705.61 Total 150,205,945.57
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Sr. No. Standard Ratio 31.03.2019 31.03.2020 1 na\$m°a_Ýg aoemo
gamgar R>odrMo gamgar IoiË`m ^m§S>dbmer à_mU 80 Vo 85% 84.98% 84.27% gamgar H$Om©Mo gamgar IoiË`m ^m§S>dbmer à_mU {H$‘mZ 65% 49.95% 46.01%% gamgar {e„H$ a¸$_oMo Zº$ _wXV d Xo`Voer à_mU {H$‘mZ 4% 4.49% 4.30% BVa _mb_ÎmoMo gamgar IoiË`m ^m§S>dbmer à_mU {H$‘mZ 6% 0.19% 0.42% na\$m°a_Ýg aoemo
BVa XoUrMo gamgar IoiË`m ^m§S>dbmer à_mU 2 Vo 3% 0.29% 0.59% H$anwd© Zâ`mMo gamgar IoiË`m ^m§S>dbmer à_mU {H$‘mZ 1% 1.28% 1.15% H$anwd© Zâ`mMo _wº$ {ZYrer à_mU {H$‘mZ 15% 10.80% 9.18% g§ñWm R>odrMo EHy$U R>odrer à_mU H$‘mb 40% 12.20% 13.05%
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^m§S>db n`m©áVm à_mU {H$‘mZ 9% 19.74% 20.68% gamgar H$Om©Mo gamgar R>odrer à_mU H$‘mb 70% 58.78% 54.60%
S>oãQ Q>y>> B©¹$³rQ>r aoemo (~m°amoB©ª½OMo {ZYrer à_mU) H$‘mb 20% 7.47% 7.31% 2 R>odrVrb g_m{dð> KQ>H$ EHy$U Mmby d ~MV R>odrMo EHy$U R>odrer à_mU {H$‘mZ 35% 32.04% 33.71%
_wXV R>odrMo EHy$U R>odrer à_mU 65% 67.96% 66.29% 3 dmT> Xe©{dUmao aoemo R>od ImVo g§» o_Yrb dmT> 15% -1.97% -0.57%
H$O© ImVo g§» o_Yrb dmT> 15% -3.90% -4.06% gamgar R>odr _Yrb dmT> 25% -3.07% 4.73% gamgar H$Om© _Yrb dmT> 25% -5.08% -2.72%
4 Z\$m pñWVr Xe©dUmao aoemo àVr ^mJ Z\$m 25.95 22.87
{Zìdi Zâ`mMo EHy$U CËnÞmer à_mU {H$‘mZ 8.30% 8.71% 7.79% EHy$U CËnÞmMo gamgar IoiË`m ^m§S>dbmer à_mU 11% 9.75% 9.25% EHy$U CËnÞmMo gamgar R>odrer à_mU 12% 11.47% 10.98% H$Om©darb {_imboë`m ì`mOmMo gamgar H$Om©er à_mU 12.75% 12.45% Jw§VdUyH$sdarb {_imboë`m ì`mOmMo gamgar Jw§VdUyH$ser à_mU 7.64% 7.22% ì`mO CËnÞmMo gamgar H$O© d gamgar Jw§VdUyH$ser à_mU 10.43% 9.86% ì`mO CËnÞmMo gamgar R>odrer à_mU 12% 11.22% 10.64% ì`mO a¸$_ Xwamì`mMo gamgar IoiË`m ^m§S>dbmer à_mU 2.50% 4.67% 4.41% T>mo~i Zâ`mMo gamgar IoiË`m ^m§S>dbmer à_mU 4.89% 4.70% T>mo~i Zâ`mMo gamgar _mb_Îmoer à_mU {H$‘mZ 1.50% 2.04% 1.71%
5 IM© _wë`m§H$Z Xe©dUmao aoemo àemgH$s` IMm©Mo gamgar IoiË`m ^m§S>dbmer à_mU 7.70% 7.54%
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àemgH$s` IMm©Moo EHy$U CËnÞmer à_mU 85% 79.03% 81.55% godH$ IMm©Mo EHy$U CËnÞmer à_mU 10 Vo 12.50% 15.12% 17.16% godH$ IMm©Mo gamgar IoiË`m ^m§S>dbmer à_mU 1% 1.47% 1.59% àemgH$s` IMm©Mo gamgar R>odrer à_mU 10% 9.07% 8.95% godH$ IMm©Mo gamgar R>odrer à_mU 1.25% 1.74% 1.88%
R>odrdarb {Xbobo ì`mOmMo EHy$U CËnÞmer à_mU 55% 49.87% 49.22% R>odrdarb {Xbobo ì`mOmMo gamgar R>odrer à_mU 7% 5.72% 5.40% EHy$U VaVwXtMo EHy$U CËnÞmer à_mU 5% 12.27% 10.62% Zº$ ì`mOXwamì`mMo à_mU 3.50% 5.11% 4.73% H$m°ñQ> Qy> BZH$_ aoemo H$‘mb 50% 58.16% 63.67%
6 godH$ H$m`©j_Vm Xe©dUmao aoemo àVr godH$ R>od ImVo g§»`m 728 757
àVr godH$ gamgar R>od a¸$_ 143.59 157.29 àVr godH$ H$O© ImVo g§»`m 43 44 àVr godH$ gamgar H$O© a¸$_ 84.40 85.88 àVr godH$ R>od d H$O© ImVo g§»`m 771 801 àVr godH$ ì`dgm` 227.99 243.17 àVr godH$ Z\$m 1.43 1.35
7 _mb_Îmm dJuH$aU EHy$U WH$~mH$sMo EHy$U H$Om©er à_mU 1.37% 1.43%
T>mo~i AZwCËnmXrV _mb_Îmm 1.32% 1.64% {Zìdi AZwCËnmXrV _mb_Îmm 10% 0% 0% g§e`rV d ~wS>rV {ZYrMo EHy$U H$Om©er à_mU 1% 7.86% 9.40%
8 BVa aoemo Q>m¶a I ^m§S>dbMo Q>m¶a II ^m§S>dber à‘mU Above 1.5 : 1 7.55 6.52
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H$ìhaoO aoemo (B³¹$sQ>r - ZoQ> EZ.nr.E. / EH$y$U ‘mb‘ËÎmm) Above 8% 11.83% 12.55%
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ZoQ>dW©Mo gamgar IoiVo ^m§S>dbmer à‘mU 10.74% 12.76% àmoìhrOZ H$ìhaoO aoemo (~rS>rS>rAmaMo J«m°g EZnrE er à‘mU) 593.78% 572.15%
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1 R>odrdarb {Xbobo ì`mO 75,000,000.00 73,938,308.21 1,061,691.79 0 73,500,000.00
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3 g§MmbH$ ^Îmm 500,000.00 437,695.00 62,305.00 0 500,000.00
4 Am°\$sg ^mS>o d H$a 2,500,000.00 2,108,136.00 391,864.00 0 2,000,000.00
5 gpìh©g Q>°³g d OrEgQ>r 1,400,000.00 1,199,790.86 200,209.14 0 1,200,000.00
*6 {d_m 1,900,000.00 1,695,846.66 204,153.34 0 2,000,000.00
7 BboŠQ—>rH$ IM© 1,500,000.00 1,414,898.08 85,101.92 0 1,600,000.00
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9 Am°S>rQ> \$s 600,000.00 577,563.00 22,437.00 0 750,000.00
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11 N>nmB© d ñQ>oeZar IM© 500,000.00 363,871.44 136,128.56 0 450,000.00
12 Om{hamV IM© 250,000.00 204,432.14 45,567.86 0 250,000.00
13 {n½_r H${_eZ 1,000,000.00 715,144.00 284,856.00 0 850,000.00
14 {H$aH$moi IM© BVa IM© 650,000.00 686,520.26 0 36,520.26 700,000.00
15 g_ma§ IM© 100,000.00 0 100,000.00 0 50,000.00
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19 g„mJma d dH$sb g„m \$s 200,000.00 186,800.00 13,200.00 0 100,000.00
20 emgH$s` amo»`mdarb {à{_`_ 150,000.00 103,231.00 46,769.00 0 150,000.00
21 ghH$mar g§ñWm H$m°Ý\$aÝg IM© 50,000.00 0 50,000.00 0 50,000.00
22 XoUJr 0 260,000.00 0 260,000.00 117,000.00
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24 Jw§VdUyH$ Kgmam VaVyX (IDR) 0 1,500,000.00 0 1,500,000.00 1,500,000.00
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26 Z\$m 13,500,000.00 11,708,086.55 1,791,913.45 0 12,500,000.00
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EHy$U - 156,800,000.00 150,205,945.57 9,017,959.78 2,423,905.35 155,967,000.00
A§.Z CËnÞmMm Vnerb _§Owa {V‘mhr ~OoQ> àË`j CËnÞ KQ> dmT> _§Owa ~OoQ>
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EHy$U - 156,800,000.00 150,205,945.57 11,425,107.21 4,831,052.78 155,967,000.00
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1) R>odrda {Xbobob ì`mO - R>odrdarb ì`mOmMo H°$bŠ wboeZ H$aVmZm 31 _mM© 2021 AIoa hmoUmè`m EHy$U R>odr _mJrb VrZ df©m§À`m dmT> {dMmamV KoD$Z ê$.150.00 bmI amhVrb d gamgar 140.00 bmI amhVrb Ago J¥hrV Yê$Z H$m°ñQ> Am°\$ {S>nm°PrQ> 5.25 % amhrb Ago J¥hrV Yê$Z ì`mO H$mT>bo Amho. 2) godH$ nJma IM© - gXa IMm©Mo ~OoQ> V`ma H$aVmZm _mM© 2020 Mm nJma J¥hrV Yê$Z dm{f©H$ nJma 181.00 bmI d Ë`mda 8.33% à_mUo ~moZg ê$.14.00 bmI, J«°À wB©Q>r ê$.15.00 bmI, aOm nJma ê$.18.00 bmI, àm°.\§$S> ê$. 22.00 bmI, d BVa ê$.25.00 bmI Aer EH${ÌV a¸$_ H$mT>br Amho. 3)Am°{\$g ^mS>o d H$a - `m Am{W©H$ dfm©V ^mS>odmT> bmJw AmgUmèæ¶m emIm AmoJbodmS>r, nwgogmdir ¶m§Mr hmoUmar dm{f©H$ ^mS>o dmT> .ê$. 0.19 bmI {dMmamV KoVbr Amho. 4) PrO d XoI^mb - `m Am{W©H$ dfm©V ~±Ho$Mr 3 H°$e [agm¶H$b ‘{eZ Q>rE_ _{eZ ê$.18.00 bmI , emIm ‘gwa {~ëS>tJ(b°ÝS>gh) d ’${Z©Ma é.70.00 bmI VgoM emIm C§~«O ’${Z©Ma é.20.00 bmI, emIm a{h‘Vnya ’${Z©Ma ê$.20.00 bmI d ‘w»¶mb¶ {~ëS>tJ ê$.56.00 bmI VgoM gr~rEg Jw§VdUwH$ é.25.00 bmI Aer EH$ÌrV é.209.00 bmI ^m§S>dbr Jw§VdUyH$ J¥hrV Yê$Z Ë`mda hmoUmar PrO d nwduMr PrO `mMm {dMma H$ê$Z EH${ÌV a¸$_ H$mT>br Amho. 5) BVa IM© - BVa gd© IM©m Mo ~OoQ> H$mT>VmZm _mJrb dfm©nojm WmoS>r dmT> {dMmamV KoD$Z Ë`m IMm©_Ü o Á`m Ë`m à_mUmV dmT> H$ê$ ~OoQ> V`ma Ho$bo Amho. 6)H$Om©darb d Jw§VdUwH$sdarb ì`mO - gXaMo ~OoQ> V`ma H$aVmZm 31 _mM© 2021 AIoa EHy$U H$O© ê$.80.00 H$moQ>r d Jw§VdUyH$ ê$.71.00 H$moQ>r amhrb. VgoM gamgar H$Om©da (ê$.78.00 H$moQ>r) {_iUmao {¶ëS>> 12.20% d gamgar Jw§VdUwH$sMo (ê$.70.00 H$moQ>r) 6.95% J¥hrV Yê$Z ~OoQ> H$mT>bo Amho.
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H«$‘m§H$ 4
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A. H«$. Vn{eb a¸$_ én o 1 amIrd {ZYr- (25% à_mUo) 30,03,483.00 2 B_maV {ZYr 12,30,500.00 3 Jw§VdUyH$ MT>- CVma {ZYr 72,49,000.00 4 AmH$pñ‘H$ IM© {ZYr 1,00,000.00 5 g^mgX à{ejU {ZYr 50,000.00 6 g^mgX H$ë`mU {ZYr 75,000.00 7 {e„H$ Z\$m 998.02 EHy$U 1,17,08,981.02
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Sr.
No.
Bye law
Serial No.
Original
draft
Draft after amendment Reason of amendment
1.
39. A
Board of Management - The Board of Directors shall appoint members of Board of
Management who fulfill the “Fit and proper” criteria specified by
Act/Rules/ Byelaw/RBI guidelines.
Objective & Functions of Board Of Management – The Board Of
Management shall discharge all responsibilities assigned by the
Board Of Directors. The powers of Board Of Management are as per
provision of Law/Rules/ RBI guidelines.
The BOM will provide expert advice in respect of Investment,
Recommends loan proposals, suggest actions for recovery,
suggesting measures for strong internal control/check, assisting in
finding various areas of risks & suggestion for elimination of such
types of risks etc. The BOM also help to redress complainants
received by the bank.
Constitution of BOM- Board of Director will appoint minimum
five and maximum twelve BOM members who shall perform
executive as well as supervisory role. The maximum 50% members
of the BOM will be allowed from Board. The minimum two members
of BOM should be from outside the Board members. The first Board
of Management will be constituted after getting approval of
amendment of byelaws by Registrar of co-operative societies.
Qualification of BOM – The Board of Management shall possess a
special Knowledge and particle experience in the field of banking and
other fields specified by Law/Rules/RBI guidelines.
The Meetings of BOM – The meeting of Board of Management will
be held as per need. The Chairman of Board of Management will be
either elected by BOM themselves or by the Board of Directors. The
RBI instructed urban co-
operative banks to constitute
Board Of Management by RBI
Circular No. DoR (PCB).BPD.
Cir. No.8/ 12.05.002/2019-20
dated December 31, 2019.
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2.
50.A
Chairman of the Bank will be never elected as a Chairman of Board
of Management. No person will be eligible as a member of Board of
Management if he disqualify being the member of Board of Director.
Proceeding – The bank will maintain the separate proceeding of
minutes of the meeting of the Board of Management. It will be
maintain in electronic format as well as in hard copy format.
Quorum of BOM- The quorum of the meeting of Board of
Management will be 2/3 members of the total members of the Board
of Management if the total members is a fraction, it should be rounded
on the upper side and such rounded figure will be treated as quorum
of the meeting.
Tenure of BOM- The tenure of Board Of Management will be till
the tenure of Board Of Directors.
Sitting fee- The sitting fee of the Board Of Management will be
decided by the Board Of Directors.
Vacancy of Board Of Management – In case of any vacancy of
Board Of Management, the Board Of Director will appoint new
member as per provision of Law/Rules/bye-laws.
Power of RBI in respect of BOM-The RBI will have power to
remove any member of Board Of Management or whole BOM of the
bank if found not functioning as per guidelines of RBI/ provisions of
Law/Rules. The Board of Directors will appoint new member of
Board of Management within three months from the date of removal
of respective one.
Qualification of Chief Executive Officer-The Board Of Directors
Shall appoint Chief Executive Officer as per “Fit and proper “criteria
prescribed by RBI .The appointment of CEO will be subject to
approval of RBI. The CEO will be responsible for day to affairs of
the bank. The Chief Executive officer will have executive powers
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which are delegated by Board Of Directors. The Chief Executive
officer will be the ex-officio member of Board Of Directors/Board of
Management/ various committees. The Chief Executive Officer will
be full time paid employee of the bank.
The RBI will have power to remove CEO of the bank if found not
functioning as per guidelines of RBI/ provisions of Law/Rules. The
Board of Directors will appoint new CEO within three months from
the date of removal of previous CEO. darbà‘mUo nmoQ>{Z¶‘ XþéñVr ‘gwÚmg ‘§Owar XoUoV Ambr.
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