1

keÀUJee, þeCes - 400 605.(jefpe. veb. SceSmemeerSme/meerDeej/1213/2015 efo.26/03/2015)

Jeeef<e&keÀ meJe&meeOeejCe meYes®eer veesìerme

yeBkesÀ®eer 46 Jeer Jeeef<e&keÀ meJe&meeOeejCe meYee jefJeJeej efo. 13 Dee@iemì, 2017 jespeer mekeÀeUer 10.30 Jeepelee Keeueerue efJe<e³eebkeÀjerlee

`ie[keÀjer jbiee³eleve’ veeìîeie=n, le}eJeHeeUer, þeCes ³esLes IesC³eeble ³esCeej Deens. lejer meJe& meYeemeoebveer meYesme GHeefmLele jneJes, ner efJevebleer.

meYesHeg{er} efJe<e³e

1. efo. 14 Dee@iemì, 2016 jespeer Pee}su³ee 45J³ee Jeeef<e&keÀ meJe&meeOeejCe meYes®ee FefleJe=lleeble Jee®etve keÀe³ece keÀjCes.

2. Jeeef<e&keÀ DenJee} efJe®eejeLe& þsJeCes Je l³eeme cebpetjer osCes p³eeceO³es meb®eeuekeÀ ceb[U DenJeeue, efo. 31 cee®e&, 2017 DeKesj®ee

JewOeeefvekeÀ uesKeehejer#ekeÀeb®ee DenJeeue, veHeÀe leesìe He$ekeÀ Je leeUsyebo he$ekeÀ ³eeb®ee meceeJesMe Deens.

3. meve 2015-16 meeue®³ee JewOeeefvekeÀ uesKeeHeefj#ekeÀeb®³ee DenJeeuee®³ee oes<eog©mleer efjHeesì&uee ceev³elee osCes.

4. meb®ee}keÀ ceb[Ueves kesÀ}su³ee efµeHeÀejµeervegmeej efo. 31 cee®e&, 2017 DeKesj®³ee veHeÀe JeeìCeerme Je }eYeebµe JeeìCeerme cebpetjer osCes.

5. meve 2017-18 ®³ee DeboepeHe$ekeÀeme cebpetjer osCes.

6. meJe&meeOeejCe meYeemeo Jeeef<e&keÀ meJe&meeOeejCe meYesme iewjnpej jeefnu³eeme l³eeb®eer jpee cebpetj keÀjCes.

7. meve 2017-18 keÀjerlee JewOeeefvekeÀ uesKeeHeefj#ekeÀeb®eer efve³egkeÌleer keÀjCes Je l³eeb®es mesJee MegukeÀ þjefJeC³ee®ee DeefOekeÀej meb®eeuekeÀ

ceb[Ueme osCes. meb®eeuekeÀ ceb[U ces. ieesieìs De@C[ kebÀheveer ³eeb®eer meve 2017-18 keÀjerlee JewOeeefvekeÀ uesKeeheefj#ekeÀ cnCetve vesceCetkeÀ

keÀjC³ee®eer efMeHeÀejme keÀjerle Deens.

8. cee. DeO³e#eeb®³ee HejJeeveieerves SsveJesUer ³esCee-³ee efJe<e³eebJej ®e®ee& keÀjCes.

meb®ee}keÀ ceb[Ue®³ee Deeosµeevegmeej meoevebo ke=À. vee³ekeÀ cegK³e keÀe³e&keÀejer DeefOekeÀejer. efoveebkeÀ ë 26/07/2017. efþkeÀeCe ë HeejefmekeÀ veiej, keÀUJee, þeCes ö 400 605.

ìerHe ë- 1) ieCeHetleeaDeYeeJeer meYee lenketÀye Peeu³eeme meoj meYee l³ee®e efoJeµeer l³ee®e efþkeÀeCeer DeO³ee& leemeeveblej IesC³eele ³esF&} Je l³ee meYesme Heesìefve³ece ke´À. 30 (iii) vegmeej ieCeHetleea®eer DeeJeµ³ekeÀlee DemeCeej veener.

2) p³ee meYeemeoebvee Jeeef<e&keÀ meYesle keÀener met®evee keÀjeJe³ee®³ee efkebÀJee He´µve efJe®eejeJe³ee®es Demeleer} l³eebveer efo. 05/08/2017 He³e¥le yeBkesÀ®³ee cegK³e keÀe³ee&}³eeceO³es keÀe³ee&}³eerve JesUsle l³eeb®³ee met®evee DeLeJee He´µve }sKeer mJejÀHeele ÐeeJesle.

efo. 05/08/2017 He³e¥le efo}su³ee cegoleerle }sKeer mJejÀHeele Deeuesu³ee met®evee DeLeJee He´µveeb®eer®e oKeue IesC³eele ³esF&ue. 3) meYeemeoeJ³eefleefjkeÌle Dev³e keÀesCeemener He´Jesµe efo}e peeCeej veener. 4) Jeeef<e&keÀ DenJeeue Je veesìerme®eer Òele yeBkesÀ®³ee JesyemeeF&ì www.gpparsikbank.com Jej Òemeeefjle kesÀueer Deens. 5) yeBkesÀ®ee Jeeef<e&keÀ DenJeeue Deeheu³ee peJeU®³ee MeeKesle GheueyOe Demetve meYeemeoebveer IesTve peeJee.

2

veebJe efMe#eCe Heoveece

Þeer. meoevebo ke=À. vee³ekeÀ.yeeryeerSce., meerSDee³eDee³eyeer, Fbìjcesef[³eì meer[yu³egDes., FSceyeerS., SSceheer(yeBkeÀeRie).

cegK³e keÀe³e&keÀejer DeefOekeÀejer

Þeer. Mejo He´. cee[erJeeues.yeer.keÀe@ce., SueSue.yeer., meerSDee³eDee³eyeer, SceS.,peer[ermeerDe@C[S, ef[hueescee ö³egmeeryeer., meefì&efHeÀkesÀì Fve S®eDeej, yeermeerSmeyeerDee³e He´Àe@ce Dee³eDee³eyeerSHeÀ.

mejJ³eJemLeeHekeÀ

Þeer. peveeo&ve ce. yeesìs. yeer.keÀe@ce., pesSDee³eDee³eyeer, peer[ermeerDe@C[S, ef[hueesceeö³egmeeryeer.,. mejJ³eJemLeeHekeÀ (efyePevesme [sJnueheceWì)

meew. efÒe³eebkeÀe efkeÀ. ®eJneCe. yeer.keÀe@ce., mene³³ekeÀ mejJ³eJemLeeHekeÀ

Þeer. censMe yeer. efleJeejer yeer.keÀe@ce., SueSue.yeer., peer[ermeerDe@C[S, pesSDee³eDee³eyeer. mene³³ekeÀ mejJ³eJemLeeHekeÀ

meew. megJeCee& meg. heeìerue yeer.keÀe@ce., mene³³ekeÀ mejJ³eJemLeeHekeÀ

Þeer. jepeWê Ye. ceesjs yeer.keÀe@ce., mene³³ekeÀ mejJ³eJemLeeHekeÀ

Þeer. efkeÀMeesj ®eb. jepes yeer.keÀe@ce., pesSDee³eDee³eyeer. mene³³ekeÀ mejJ³eJemLeeHekeÀ

Þeer. efJepe³e ce. Yeesmeues yeer.keÀe@ce., cegK³e J³eJemLeehekeÀ

Þeer. ceveespe Je. ie[keÀjer. yeer.keÀe@ce., meerSDee³eDee³eyeer, peer[ermeerDe@C[S, ef[hueescee ö[eryeer cegK³e ceeefnleer DeefOekeÀejer

Þeer. JeemegosJe ke=À. iegjce yeer.keÀe@ce., meerSDee³eDee³eyeer, peer[ermeerDe@C[S, meermee. cegK³e J³eJemLeehekeÀ ö Dee@[erì Je FvmheskeÌMeve

meew. efMeuhee Sme. ie[keÀjer yeer.keÀe@ce., meerSDee³eDee³eyeer, meerS. Jeefj<þ J³eJemLeehekeÀ (ueepe& De@[Jnevmesme mesue)

Þeer. ³eMeJeble vee. celes. yeer.keÀe@ce., peer[ermeerDe@C[S, ef[hueescee öheerDeejDees. pevemebHeke&À DeefOekeÀejer

Þeer. meefleMe j. GleskeÀj yeer.keÀe@ce., SueSue.yeer., meerSDee³eDee³eyeer ö1 meuueeieej (ceens ces, 2017 heemetve )

1. efjPeJn& yeBkeÀ Dee@HeÀ Fbef[³ee, cegbyeF&. 9. Dee³e.[er.yeer.Dee³e.yeBkeÀ 17. FbogmeFb[ yeBkeÀ.

2. ceneje<ì^ jep³e menkeÀejer yeBkeÀ ef}. 10. yeBkeÀ Dee@HeÀ Fbef[³ee. 18. ³esme yeBkeÀ.

3. þeCes efpeune ceO³eJeleea menkeÀejer yeBkeÀ ef}. 11. S®e.[er.SHeÀ.meer. yeBkeÀ 19. mìsì yeBkeÀ Dee@HeÀ Fboesj

4. mìsì yeBkeÀ Dee@HeÀ Fbef[³ee. 12. osvee yeBkeÀ. 20. yeBkeÀ Dee@HeÀ ye[esoe

5. ³egefve³eve yeBkeÀ Dee@HeÀ Fbef[³ee. 13. keÀeHeexjsMeve yeBkeÀ. 21. keÀesuneHetj efpeune ceO³eJeleea menkeÀejer yeBkeÀ.efue.

6. mìsì yeBkeÀ Dee@HeÀ nwêeyeeo. 14. ke@Àveje yeBkeÀ. 22. je³eie[ efpeune ceO³eJeleea menkeÀejer yeBkeÀ efue.

7. yeBkeÀ Dee@HeÀ ceneje<ì^ 15. De@keÌmeerme yeBkeÀ efue.

8. keÀesìkeÀ ceefnbêe yeBkeÀ. 16. Dee³e.meer.Dee³e.meer.Dee³e yeBkeÀ ef}.

1. ces. yeer. Sme. keÀesj[s De@C[ kebÀHeveer, keÀUJee, þeCes. 2. ces. S.Jner. meeyeUs 3. ces. Deej. Jner. yewkeÀj De@C[ kebÀHeveer, cegbyeF&.

4. ces. Sme. Sme. ie[keÀjer De@C[ DemeesefmeSìmed 5. ces. jentue Sve. Iejle De@C[ kebÀheveer 6. ces. Sve. Sme. ieesKeues De@C[ kebÀ.

J³eJemLeeHeve

meuueeieej

yeBkeÀme&

keÀvkeÀjbì / Fbìjveue Dee@[erìme&.

JewOeeefvekeÀ uesKeehejer#ekeÀ

ces. ieesieìs De@C[ kebÀheveer

3

Notice of Annual General Meeting

The 46th Annual General Meeting of the Bank will be held on Sunday 13th August, 2017 at 10.30 a.m. at Gadkari Rangayatan Natyagruh, Talao Pali, Thane (W) to transact the following business. All the members are requested to remain present at the meeting.

Agenda

1. Toreadandconfirmtheminutesof45thAnnualGeneralMeetingheldon14.08.2016.

2. To consider and approve the Annual Accounts which consist of the report of Board of Directors, the

ReportofStatutoryAuditor,Profit&LossA/c.andBalanceSheetoftheBankason31stMarch,2017.

3. ToapprovetheComplianceReportonStatutoryAuditfortheyear2015-16.

4. ToapproveappropriationofProfitanddeclarationofDividendfortheyearending31stMarch,2017as

recommended by the Board of Directors.

5. ToapprovetheAnnualBudgetfortheyear2017-18.

6. To condone the absence of members in the Annual General Meeting.

7. ToappointStatutoryAuditorsfor theyear2017-18andtoauthorizetheBoardofDirectorstofixtheir

remuneration. The Board of Directors recommendM/s.Gogate &Co., as StatutoryAuditors for the

Year2017-18.

8. AnyotherbusinesswiththepermissionoftheChair.

By the order of the Board of DirectorsSadanand K. NayakChiefExecutiveOfficer

Date : 26/07/2017.Place:ParsikNagar,Kalwa,Thane-400605.

Note : 1. If there is no quorum within half an hour after appointed time, the meeting shall stand adjourned and would be held at 11.00 a.m. on same day and the agenda of the meeting

shall be transacted at the venue irrespective of the quorum in terms of Bye Law No. 30(iii).

2. The members who wish to make any suggestion or ask any questions should submit the same in writing on or before 05/08/2017 at the Bank’s Head Office during working hours. Only suggestion or questions submitted in writing upto 05/08/2017 will be considered.

3. The entry is restricted to members only. 4. The copy of the Notice and Annual Report is published in Bank’s website www.gpparsikbank.com. 5. ThememberscanalsocollectthecopyofAnnualReportfromthenearestbranchoftheBank.

Kalwa, Thane - 400 605.(Registration No. MSCS/CR/1213/2015. date 26/03/2015)

4

Administration

NAME QUALIFICATION DESIGNATION

Shri. Sadanand K. NayakBBM, CAIIB, Intermediate CWA, EMBA,

AMP (Banking)Chief Executive Officer.

Shri. Sharad P. MadiwaleB.Com., LL.B., CAIIB, M.A., GDC&A, Dip. UCB, Certificates in HR, BCSBI from IIBF.

General Manager.

Shri. Janardan M. Bote B.Com., JAIIB, GDC&A, Dip.UCB.General Manager. (Business Development.)

Mrs. Priyanka K. Chavan B.Com. Assistant General Manager.Mr. Mahesh B. Tiwari B.Com., LL.B, GDC&A, JAIIB Assistant General Manager.Mrs. Suvarna S. Patil B.Com. Assistant General Manager.Mr. Rajendra B. More B.Com. Assistant General Manager.Mr. Kishor C. Raje B.Com., JAIIB Assistant General Manager.

Mr. Vijay M. Bhosale B.Com. Chief Manager.

Mr. Manoj V. Gadkari B.Com., CAIIB.GDC&A., Dip. DB Chief Information Officer.Mr. Vasudev K. Guram B.Com., CAIIB, GDC&A, CISA Chief Manager – Audit & InspectionMrs. Shilpa S. Gadkari B.Com., CAIIB, CA. Senior Manager (Large Advances Cell) Mr. Yashwant N. Mate B.Com., GDC&A, DIP.PRO. Public Relations Officer.

Consultant

Mr. Satish R. Utekar B.Com., LL.B, CAIIB-I Consultant (w.e.f. May, 2017)

Bankers

1. Reserve Bank of India, Mumbai. 12. IDBI Bank. 17. IndusInd Bank2. Maharashtra State Co-operative Bank Ltd. 13. Bank of India. 18. YES Bank.3. Thane District Central Co-operative Bank. 14. HDFC Bank. 19. State Bank of Indore4. State Bank of India. 15. Dena Bank. 20. Bank of Baroda5. Union Bank of India. 16. Corporation Bank.

21.Kolhapur District Central Co-operative Bank Ltd.,6. State Bank of Hyderabad. 17. Canara Bank.

7. Bank of Maharashtra. 18. Axis Bank Ltd.22.

Raigad District Central Co-operative

Bank Ltd.,8. Kotak Mahindra Bank. 16. ICICI Bank Ltd.

Statutory Auditors

M/s. Gogate & Co.

Concurrent / Internal Auditors

1. M/s. B. S. Korde & Company Kalwa, Thane. 2. M/s. A. V. Sabale 3. M/s. R. V. Baikar & Company, Mumbai. 4. M/s. S. S. Gadkari & Associates 5. M/s. Rahul N. Gharat & Co. 6. M/s. N. S. Gokhale & Co.

5

46 Jee Jeeef<e&keÀ DenJee}meve 2016 - 2017

mevceeveveer³e meYeemeo yebOet YeefieveeRvees,

yeBkesÀ®es mebmLeeHekeÀ - DeO³e#e mJeieea³e ieesHeerveeLe Heeìerue meensye ³eeb®³ee HeefJe$e mce=leerme DeefYeJeeove keÀjÀve yeBkesÀ®³ee meb®eeuekeÀ ceb[Ue®³ee Jeleerves DeeHeCee meJee¥®es neefo&keÀ mJeeiele keÀjerle Deens. yeBkesÀ®ee meve 2016-17 ®ee 46 Jee Jeeef<e&keÀ DenJeeue Je 31 cee®e&, 2017 DeKesj®ee JewOeeefvekeÀ uesKeehejer#ekeÀ ces ieesieìs DeeefCe kebÀheveer ³eebveer leHeemeCeer kesÀuesuee leeUsyebo DeeefCe veHeÀe-leesìe He$ekeÀ DeeHeCeeHeg{s meeoj keÀjleevee ceuee Deevebo nesle Deens.

yeBkeÀeRie #es$ee®ee Dee{eJee

meve 2016-17 ns Je<e& Yejhetj ®e{Gleejeb®es lemes®e Yeejle mejkeÀej Je efjPeJn& yeBkesÀves Iesleuesu³ee Oee[meer OeesjCeelcekeÀ efveCe&³eeb®es nesles. peieeleerue DeveskeÀ DeLe&J³eJemLee ieleJe<eeaÒeceeCes ³eeJe<eeaner vekeÀejelcekeÀ Jee{ efkebÀJee Del³eble keÀceer Jee{ oeKeJele Deens. DeewÐeesefiekeÀ Je J³eeheej #es$eeceO³esner keÀpee&®eer ceeieCeer ner keÀceer Peeuesueer Deens. ve@Meveue ne³eJes ÒeespeskeÌìefMeJee³e keÀesCeleerner ceesþer ÒeespeskeÌìme meg© Peeueer veenerle. peeieeflekeÀ heeleUerJej keÀpee&®eer ceeieCeer keÀceer Peeu³eecegUs veJeerve iegbleJeCetkeÀerJejner efJeheefjle heefjCeece Peeuee Deens. l³eecegUs veJeerve keÀpee&uee ceeieCeer jeefnueer veener. ³eeJe<eea ÒeLece®e SketÀCe keÀpee&ceO³es 5.08% Jee{ oMe&efJeueer Deens peer iesu³ee ®eej oMekeÀebceOeerue meJee&le keÀceer Jee{ Deens. keÀeUe hewmee onMeleJeeo Je Flej keÀejCeebkeÀjerlee Yeejle mejkeÀejves efo. 8 veesJnWyej, 2016 jespeer ©. 500 Je ©. 1000 ®³ee ®eueveer veesìeb®es efveM®eefuekeÀjCe kesÀues. ³eeceO³es osMeeleerue ®eueveeleerue SketÀCe veesìeb®³ee 86% hes#ee peemle jkeÀces®ee menYeeie Deens. yeBkeÀeRie #es$eekeÀjerlee veJeerve ®eueveer veesìe meJe&meeceev³e ie´enkeÀebkeÀjerlee GheueyOe keÀ©ve osCes ns HeÀej ceesþs DeeJneve nesles. efveM®eefuekeÀjCee®ee mekeÀejelcekeÀ ÒeYeeJe Demee he[uee keÀer, yeBkeÀeRie J³eJenejeceO³es ef[peerìue hesceWì Je ®eskeÀ®ee Jeehej peemle nesTve ke@ÀMe®ee Jeehej keÀceer Peeuee. veesìeyeboer Peeuesu³ee ®eueveer veesìe YejCes Je l³ee yeou³eele veJeerve veesìe IesCes ³eekeÀjerlee pejer ueeskeÀebvee ceesþceesþîee jebiesle GYes jneJes ueeieues lejermegOoe meJe&meeceev³e ceeCemeeves ³ee®ee keÀeU³ee hewMeeefJe©Oo ís[uesues ³egOo cnCetve ceesþîee ceveeves efmJekeÀejues. ye-³ee®eMee yeBkeÀebceO³es Yejhetj þsJeer pecee Peeu³eele hejbleg keÀpee&keÀjerlee keÀesCeleerner ceeieCeer veJnleer. p³ee yeBkeÀebceO³es keÀjvmeer ®esmì®eer J³eJemLee veener DeMee yeBkeÀebvee veesìeyeboer Peeuesu³ee ®eueveer veesìe yeBkesÀle YejCes Je veJeerve ®eueveer veesìe efceUefJeCes ³eekeÀjerlee Òe®eb[ ÒeceeCeele Ke®e& meesmeeJee ueeieuee. lemes®e p³ee yeBkeÀebceO³es keÀjvmeer ®esmì Deensle l³ee yeBkeÀebveer veesìeyeboer Peeuesu³ee ®eueveer veesìe Yejuesu³ee jkeÀcee ceesþîee keÀeueeJeOeermeeþer yeBkesÀ®³ee Keel³eele pecee kesÀu³ee veenerle. l³eecegUs yeBkeÀeb®es ceesþîee keÀeueeJeOeermeeþer J³eepee®es vegkeÀmeeve Peeues. yengleebMe menkeÀejer yeBkeÀeb®³ee mJele뮳ee keÀjvmeer ®esmì vemeu³eekeÀejCeeves l³eebvee ³ee Òeef¬eÀ³escegUs Yejhetj vegkeÀmeeve meesmeeJes ueeieues. l³eebvee Dehesef#ele m$eesleebkeÀ[tve ³eesi³e les menkeÀe³e& Òeehle Peeues veener. keÀceer DeLe&ceeieCeer lemes®e efveM®eefuekeÀjCe DemegvemegOoe DeLe&J³eJemLee mejkeÀej®³ee Oe[e[er®³ee OeesjCeecegUs lemes®e ³ee osMeeleerue ueeskeÀeb®³ee DeLekeÀ Òe³elveebcegUs 7%he³e¥le Jee{ oMe&Jet MekeÀueer.

yeBkesÀ®³ee Òeieleer®ee OeeJelee Dee{eJeemeve 2016ö17 ceO³es yeBkesÀ®es keÀe³e&#es$e ceneje<ì^ Je ieesJee J³eefleefjkeÌle keÀvee&ìkeÀ ³ee jep³eeceO³esner efJemleeefjle Peeues. ³ee DeeefLe&keÀ Je<ee&le Deeheueer yeBkeÀ keÀvee&ìkeÀ jep³eeceO³es oesve MeeKee GIe[le Deens. ceuee Demes veceto keÀjleevee Deevebo nesle Deens keÀer, Deeheu³ee yeBkesÀves ©.4755.00 keÀesìer J³eJemee³ee®ee YejerJe ìhhee heej hee[uee Deens. lemes®e ©. 47.32 keÀesìer FlekeÀe keÀjkeÀheeleerveblej®ee veHeÀe efceUefJeuee Deens. yeBkeÀeRie #es$eeceOeerue keÀpee&®eer SketÀCe Jee{ 5.08% Demetve megOoe Deeheu³ee yeBkesÀ®eer SketÀCe keÀpee&®eer Jee{ 14.82% FlekeÀer Deens. lemes®e SketÀCe J³eJemee³eeleerue 19.13% Jee{ ner megOoe yeBkeÀeRie #es$eeleerue SketÀCe Jee{er®³ee mejemejer Jee{erhes#ee yejer®e peemle Deens. (jkeÌkeÀce keÀesìerle)

leheMeerue 31.03.2017 31.03.2016 Jee{ / Ieì

meYeemeo mebK³ee 88277 82559 5718

SketÀCe J³eJemee³e 4756.69 3993.01 763.68

þsJeer 2979.78 2445.45 534.33

keÀpex 1776.91 1547.56 229.35

6

{esyeU veHeÀe 87.81 65.33 22.48

efveJJeU veHeÀe 47.32 32.07 15.25

Yeeie Yeeb[Jeue 73.62 63.94 9.68

KesUles Yeeb[Jeue 3624.79 3053.73 571.06

jeKeerJe efveOeer 346.18 314.12 32.06

{esyeU Deveglheeoerle keÀpex 47.35 38.59 8.76

efveJJeU Deveglheeoerle keÀpex 0.00% 0.00% 0.00%

Yeeb[Jeuee®es he³ee&hle ÒeceeCe 19.33% 20.43% - 1.96%

þsJeermeve 2015‚16 ³ee keÀeueeJeOeerle SketÀCe ` 277.62 keÀesìer þsJeerb®³ee Jee{er®³ee leguevesle meve 2016‚17 ³ee keÀeueeJeOeerle þsJeeRceO³es ` 534.33 keÀesìeRveer Jee{ Peeueer. (jkeÌkeÀce keÀesìerle)

þsJeeR®ee ÒekeÀej 2016-17 ìkeÌkesÀJeejer 2015-16 ìkeÌkesÀJeejer

®eeuet þsJeer 303.37 10.18 234.34 9.58

ye®ele þsJeer 1227.41 41.19 975.68 39.90

cegole þsJeer 1449.00 48.63 1235.43 50.52

SketÀCe 2979.78 100.00 2445.45 100.00

keÀemee 1530.78 51.37 1210.02 49.48

yeBkeÀeRie GÐeesieeceO³es keÀemee ef[hee@Peerì®es yeeyeleerle Deeheu³ee yeBkesÀves Deepener Je®e&mJe jeKeues Deens.

þsJeeR®³ee J³eepeeJejerue keÀjkeÀheele ëDee³ekeÀj keÀe³eoe 1961 ceOeerue keÀuece 194 ceOeerue Peeuesu³ee yeouee®eer meJe& meYeemeoebveer veeWo I³eeJeer. ³eeceO³es Demes cnìues Deens keÀer, efo. 1 petve, 2015 heemetve pej keÀe SKeeÐee cegole þssJe Keelesoeje®³ee yeBkesÀ®³ee meJe& MeeKeebceOeerue cegole þsJeeRJejerue (efjkeÀjeRie ef[hee@Peerìmenerle) SketÀCe J³eepee®eer jkeÌkeÀce ` 10,000 hes#ee peemle nesle Demesue Je l³ee ie´enkeÀeves 15peer efkebÀJee 15S®e ne HeÀe@ce& DeeJeM³ekeÀlesvegmeej Yejuee vemesue lej l³ee þsJeeroeje®³ee SketÀCe J³eepeeletve ³eesi³e lees Dee³ekeÀj keÀehetve Iesleuee peeF&ue. meoj Dee³ekeÀj, þsJeeroej ne meYeemeo Demeuee efkebÀJee vemeuee lejerner keÀeheuee peeCeej Deens. meJe& meYeemeoebvee DeMeer efJevebleer Deens keÀer, l³eebveer Dee³ekeÀj keÀheeleer®³ee lejletoerheemetve megì efceUefJeC³eekeÀjerlee JesUshetJeea®e 15peer efkebÀJee 15S®e ns HeÀe@ce& yeBkesÀkeÀ[s meeoj keÀjeJesle.

þsJeeR®ee efJecee efjPeJn& yeBkesÀ®³ee OeesjCeevegmeej yeBkesÀves ef[Hee@Peerì Fvµegjvme De@C[ kes´À[erì ie@jbsìer keÀe@Heexjsµeve ³esLess Òel³eskeÀ þsJeeroejekeÀjerlee ̀ 1 }eKehe³e&le®³ee þsJeeR®ee efJecee keÀe{uee Deens.

keÀpe&J³eJenej meve 2015‚16 ³ee keÀeueeJeOeerle SketÀCe ` 280.51 keÀesìer keÀpee&®³ee Jee{er®³ee leguevesle meve 2016‚17 ³ee keÀeueeJeOeerle keÀpee&ceO³es ` 229.35 keÀesìeRveer Jee{ Peeueer. l³eecegUs keÀpee¥®es SketÀCe þsJeeRMeer 59.63% FlekesÀ ÒeceeCe Deens pes meve 2015 ö 16 ceO³es 63.28% nesles. meve 2017‚18 ceO³es ns®e ÒeceeCe 65 ìkeÌke̳eehe³e¥le vesC³eele yeBkeÀ Òe³elveMeerue Demesue. SketÀCe ` 1776.91 keÀesìer keÀpee&hewkeÀer 66.64% keÀpe&s ner Deie´¬eÀce #es$eeleerue keÀpe& Demetve 11.54% ogye&ue IeìkeÀebvee efouesueer keÀpex Deensle. yeBkeÀ Deeheu³ee efJeefJeOe keÀpe& ³eespeveebÜejs ie´enkeÀebvee keÀpe& efJelejerle keÀjerle Demeles. yeBkeÀ meesvesleejCe keÀpee&®es lJejerle efJelejCe keÀjlee ³eeJes ³eekeÀjerlee peeCeerJehetJe&keÀ Deie´¬eÀce osles. lemes®e ueJekeÀjele ueJekeÀj J³eeJemeeef³ekeÀ keÀpex, ie=nkeÀpex, JeenvekeÀpex, G®®e efMe#eCe keÀpe& lemes®e Jew³eefkeÌlekeÀ keÀpee¥®es efJelejCener keÀjles. meve

7

2017‚18 ³ee keÀeueeJeOeerle yeBkesÀves SmeSceF& #es$ee®eer keÀpee&ceO³es Jee{ keÀjC³eemeeþer efveJe[ kesÀueer Deens. yeBkesÀ®es pebiece ceeuecelles®³ee lemes®e J³eeheejer pebiece ceeuecelles®³ee Je ie=nkeÀpee&®³ee leejCeeheesìer efouesu³ee keÀpee&®es 14.01% FlekesÀ ÒeceeCe Deens pes efjPeJn& yeBkesÀ®³ee OeesjCeevegmeej ceeieerue DeeefLe&keÀ Je<ee&®³ee uesKeeheefj#ekeÀebveer ÒeceeefCele kesÀuesu³ee leeUsyeboeuee Devegme©ve SketÀCe efveJJeU efpeboieer®³ee 15% DemeeJes.

LekeÀyeekeÀer Je DeveglHeeefole keÀpee&®es J³eJemLeeHeve³ee DeeefLe&keÀ Je<ee&le yengleebMe yeBkeÀeb®³ee Deveglheeoerle keÀpee&ceO³es DeeefLe&keÀ keÀejCeebcegUs Jee{ Peeuesueer efometve ³esles. Deecneuee keÀUefJeC³eeme Deevebo neslees keÀer, Deeheu³ee yeBkesÀ®eer {esyeU Deveglheeoerle keÀpex 2.70% hes#ee keÀceer Demetve efveJJeU Deveglheeoerle keÀpex Metv³e ìkeÌkesÀ Deensle. ( ` keÀesìerle)

leheMeerue2016-17

(jkeÌkeÀce)ìkeÌkesÀJeejer

2015-16(jkeÌkeÀce)

ìkeÌkesÀJeejer

{esyeU Deveglheeoerle keÀpex 47.35 2.66 38.59 2.49

efveJJeU Deveglheeoerle keÀpex 0.00 0.00 0.00 0.00

DeeJeM³ekeÀ lejleto 13.20 11.42

kesÀuesueer lejlego 91.26 78.74

peemleer®eer kesÀuesueer lejleto 78.06 67.33

SketÀCe keÀpex 1776.91 1546.97

keÀJnjspe jsMeess 192.73% 204.05%

Deeheu³ee ye@kesÀ®ee De@mesì keÀJnjspe jsMees ne yeBkeÀeRie #es$eele peemleerle peemle Deens.yeBkesÀves ceuìer mìsì yeBkesÀ®ee opee& Òeehle kesÀu³eeves The Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI) Debleie&le Jemetueer®ee DeefOekeÀej Jeehe© MekeÀles. megÒeerce keÀesìe&ves efouesu³ee efveCe&³eevegmeej yeBkesÀ®es LekeÀerle keÀpe&oej DeLeJee l³eeb®³ee peeceerveoejeb®es HeÀesìes veeJeemenerle Je=llehe$e lemes®e Flej Òemeej ceeO³eceeletve yeBkesÀme ÒeefmeOo keÀjlee ³esT MekeÀleele. meJe& LekeÀerle keÀpe&oej meYeemeoebvee vece´ efJevebleer Deens keÀer, l³eebveer LekeÀyeekeÀer®eer jkeÌkeÀce YejeJeer Je l³eeb®³eeefJe©Oo DeMee ÒekeÀej®³ee keÀþesj Ghee³e³eespeveeb®eer DebceueyepeeJeCeer keÀjeJeer ueeiet ve³es ³eemeeþer yeBkesÀme menkeÀe³e& keÀjeJes.

iebgleJeCetkeÀ yeBkesÀ®eer SketÀCe iebgleJeCetkeÀ ` 1,295.50 keÀesìer Demetve l³eehewkeÀer ` 980.81 keÀesìer ns ieJnve&ceWì meske̳egefjìerped Je Flej ceev³elee He´eHle meske̳egefjìerpedceO³es kessÀuesueer Deens. ` 314.69 keÀesìeR®eer GJe&jerle iebgleJeCetkeÀ efjPeJn& yeBkesÀ®³ee ceeie&oMe&keÀ lelJeevegmeej je<ì^er³eke=Àle yeBkeÀe, jep³e menkeÀejer yeBkeÀ Je efpeune menkeÀejer yeBkeÀebceO³es iebgleJeuesueer Deensle. yeBkeÀeRie efve³eceve keÀe³eÐee®³ee lejletoervegmeej yeBkesÀme JewOeeefvekeÀ jesKe lejuelee (SmeSueDeej) keÀceerle keÀceer 20.50% Je Deeheu³ee ceeieCeer Je cegole os³eles®³ee peemleerle peemle 40% FlekeÀer jkeÌkeÀce iebgleefJeCes DeeJeM³ekeÀ Demeles. Deeheu³ee yeBkesÀves 28.57% FlekeÀer jkeÌkeÀce ceeieCeer Je cegole os³eles®³ee (Sve[erìerSue) FlekeÀer kesÀueer Deens. meoj iebgleJeCetkeÀ efjPeJn& yeBkesÀ®³ee SmepeerSue DekeÀeTbìceO³es Je mìe@keÀ nesu[eRie keÀeheexjsMeve®³ee ef[ce@ì Keel³eeceO³es pecee Deens. ye@BkesÀves ` 2.83 keÀesìer FlekeÀe IDR®eer lejleto keÀsueer Deens. lemes®e yeBkesÀves ` 19.44 keÀesìer FlekeÀer jkeÌkeÀce iebgleJeCetkeÀ ®e{Gleej efveOeerheesìer kesÀuesueer Deens. ner iebgleJeCetkeÀ efjPeJn& yeBkesÀ®³ee efve³eceeÒeceeCes ̀ 31.84 keÀesìer DemeCes DeeJeM³ekeÀ Deens peer ’DeJesuesyeue HeÀe@j mesue’ Je ’nesu[ HeÀe@j ì^s[eRie’ ³ee SketÀCe jkeÀces®³ee 5% FlekeÀer DeeJeM³ekeÀ Deens. cnCetve meb®eeuekeÀ ceb[U Deeheu³ee efveJJeU veHeÀîeehewkeÀer ` 12.40 keÀesìer FlekeÀer jkeÌkeÀce iebgleJeCetkeÀ ®e{Gleej efveOeer Keeleer Jeie& keÀjC³eeme efMeHeÀejme keÀjerle Deens. ³eeJe<eea yeBkesÀves ` 28.87 keÀesìer FlekeÀe veHeÀe iebgleJeCetkeÀerceOeerue J³eJenejeceO³es keÀceefJeuee Deens.

meb®eeuekeÀ ceb[U efveJe[CetkeÀ yeBkesÀ®³ee meb®eeuekeÀ ceb[Ue®eer efveJe[CetkeÀ ef[meWyej,2016 ceO³es Dehesef#ele nesleer. yeBkesÀves ner efveJe[CetkeÀ IesC³eekeÀjerlee Þeer. megjsMe yeer. DebOeejs, mene³³ekeÀ efveyebOekeÀ, menkeÀejer mebmLee, heeueIej, ceneje<ì^ jep³e ³eeb®eer efveJe[CetkeÀ DeefOekeÀejer cnCetve vesceCetkeÀ kesÀueer. ner efveJe[CetkeÀ meJe&meeOeejCe ieìeleerue 10, Devegmegef®ele peeleer /peceeleer ieìeleerue 1 Je ceefnuee ieìeleerue 2 heoebkeÀjerlee Demetve l³eeyeeyele®eer Iees<eCee efo. 7.10.2016 jespeer®³ee Jele&ceevehe$eele kesÀueer nesleer. ³ee meJe& ieìebleerue peeieebkeÀjerlee lesJe{er®e veeceefveoxMeves Deeu³eeves lemes®e l³eehewkeÀer Depe& ceeies IesC³ee®³ee leejKeshe³e¥le keÀesCeerner Depe& ceeies ve

8

Iesleu³eecegUs meJe&meeOeejCe ieìeleerue 10, Devegmegef®ele peeleer /peceeleer ieìeleerue 1 Je ceefnuee ieìeleerue 2 GcesodJeejeb®eer efyeveefJejesOe efveJe[ Peeu³ee®es efo. 8.11.2016 jespeer Iees<eerle keÀjC³eele Deeues. ³ee veJeefveJee&ef®ele meb®eeuekeÀ ceb[Ue®³ee heefnu³ee meYesle Þeer. jCepeerle ieesheerveeLe heeìerue ³eeb®eer DeO³e#e cnCetve Je Þeer. veeje³eCe iepeeveve ieeJeb[ ³eeb®eer GheeO³e#e cnCetve heg{erue 5 Je<ee¥keÀjerlee efyeveefJejesOe efveJe[ Peeu³ee®es efveJe[CetkeÀ DeefOekeÀe-³eebveer Iees<eerle kesÀues.

meb®eeuekeÀ ceb[U meYee ³ee DenJeeue Je<ee&le yeBkesÀ®³ee meb®eeuekeÀ ceb[Ue®³ee SketÀCe 19 meYee Peeu³ee Deensle. meJe&meeOeejCeheCes meYeebvee meJe& meb®eeuekeÀ GheefmLele Demeleele Je meJe& efveCe&³e meJe&celeeves Iesleues peeleele. meb®eeuekeÀ ceb[U Deeheu³ee Keelesoejeb®ee yeBkesÀJejerue efJeMJeeme Jee{efJeC³eekeÀjerlee J³eeJemeeef³ekeÀ heOoleerves keÀe³e&jle Demeles. yeBkesÀ®³ee GheefJeOeer ¬eÀ.43 vegmeej yeBkesÀves keÀe³e&keÀejer meefceleer®eer mLeehevee kesÀueer Demetve yeBkesÀ®³ee owvebefove keÀecekeÀepee®³ee meboYee&le efveCe&³e IesC³eemeeþer DeeþJe[d³eeletve SkeÀoe ³ee meefceleer®eer meYee Iesleueer peeles. ³ee yeeyele®es efveCe&³e IesC³eemeeþer DeeJeM³ekeÀ les DeefOekeÀej keÀe³e&keÀejer meefceleerme Òeoeve kesÀuesues Deensle. ³eeefMeJee³e keÀce&®eejer meefceleer, efnMeesye leheemeCeer meefceleer, Jemetueer meefceleer JesUesJesUer efve³eefcele Deeheu³ee meYee IesTve Òeoeve kesÀuesu³ee DeefOekeÀej keÀ#esle efveCe&³e Iesle Demeleele.

veHeÀe ³ee Je<eer& yengleebMe yeBkeÀe pesJne leesìe efkebÀJee keÀceer veHeÀe Ieesef<ele keÀjerle Deensle lesJne Deeheueer yeBkeÀ DeeefLe&keÀ Je<e& 2016‚17 keÀjerlee ` 47.32 keÀesìer FlekeÀe ue#eCeer³e Jee{erJe efveJJeU veHeÀe oMe&efJele Deens. (DeekeÀ[s keÀesìerle)

leheMeerue 2016-17 2015-16

keÀj Je lejletoerhetJeea®ee veHeÀe 87.81 65.33

keÀj Je lejletoerveblej®ee veHeÀe 47.32 32.07

ueeYeebMeefjPeJn& yeBkesÀves p³ee mcee@ue Je hesceWì yeBkeÀebvee hejJeeveieer efoueer l³eeb®es keÀecekeÀepe ³ee Je<ee&le ®eeuet Peeuesues Deens. l³eeb®eer mheOee& meO³ee®³ee yeBkeÀe cegK³elJes keÀ©ve menkeÀejer yeBkeÀe ³eeb®³eeMeer Demetve l³ee DeÐeeJele leb$e%eeve Je ef[peerìue mesJee ³eeb®ee Jeehej keÀjerle Deensle. Deeheu³ee yeBkesÀ®es keÀesDej yeBkeÀeRie meesu³egMeve®es lemes®e [eìe meWìj®es ne[&JesDej 2009-10 meeueer efJekeÀle Iesleues Deensle. Je les DeÐeeJele leb$e%eeve lemes®e ef[peerìue mesJee osC³eeme Dehegjs he[le Deens. cnCetve ³eeJe<eea DeeheCeeme [eìe meWìjmeeþer ne[&JesDej efJekeÀle I³eeJes ueeieCeej Deens. Je meJe& ie´enkeÀebvee JeepeJeer ojeves ef[peerìue mesJee GheueyOe keÀ©ve osC³eemeeþer DeÐeeJele keÀesDej yeBkeÀeRie meesu³egMeve I³eeJes ueeieCeej Deens. ³eekeÀjerlee 2017-18 ³ee Je<ee&le ceesþ³ee ÒeceeCeeJej Yeeb[Jeueer iegbleJeCetkeÀ keÀjeJeer ueeieCeej Deens. efjPeJn& yeBkesÀves Yeeb[Jeue he³ee&hlelesmeeþer keÀener efvekeÀ<e ueeJeues Deensle. ³eekeÀjerlee Deeheu³ee yeBkesÀme jeKeerJe efveOeerceO³es hegjsMeer Jee{ keÀjeJeer ueeieCeej Deens pesCeskeÀ©ve Yeeb[Jeue he³ee&hleles®es DeeJeM³ekeÀ les ÒeceeCe jeKeC³eemeeþer keÀceerle keÀceer Ke®ee&ceO³es ³eesi³e les Yeeb[Jeue GYes keÀjCes Meke̳e nesF&ue. ³eekeÀjerlee yeBkesÀme nesCeeje HeÀe³eoe megOoe jeKeerJe efveOeerceO³es Jeie& keÀjeJee ueeieCeej Deens. þsJeeRJejerue hejleeJee megOoe 7% les 7.50% Jej Deeuee Deens. cnCepes 2% les 3% veer keÀceer Peeuee Deens. mejkeÀejer jesKes Je heesmì Dee@HeÀerme þsJeeRJejerue hejleeJee megOoe mejkeÀejves keÀceer kesÀuee Deens. ³eekeÀjerlee YeefJe<³ekeÀeUeleerue me#eceles®eer iejpe ue#eele Ieslee ueeYeebMeeceO³es Ieì keÀjCes DeeJeM³ekeÀ Peeues Deens. YeefJe<³ekeÀeUeleerue Jee{ermeeþer me#ece Yeeb[Jeue he³ee&hlelee jeKeC³eemeeþer hegjsmee veHeÀe Jeie& keÀ©ve DenJeeue Je<e& 2016ö17 keÀjerlee ns meb®eeuekeÀ ceb[U peemleerle peemle oslee ³esC³eepeesiee 12… ueeYeebMe YeeieOeejCe keÀeueeJeOeervegmeej (Pro-rata) heOoleerves osC³ee®eer efMeHeÀejme keÀjerle Deens. Yeeb[Jeue he³ee&hlelee jeKeC³eemeeþer lemes®e 8 Je<ex pegves Demeuesues ne[&JesDej DeÐeeJele keÀjC³eemeeþer Je keÀesDej yeBkeÀeRie meesu³egMevemeeþer DeÐeeJele mee@HeÌìJesDej IesC³ee®eer iejpe ue#eele Ieslee 12… ueeYeebMee®eer efMeHeÀejme kesÀueer Deens.

veHeÀe JeeìCeer ceuìer mìsì keÀes.Dee@hejsìerJn meesmee³eìerped De@keÌì, 2002 ®³ee keÀuece 62 DevJe³es Demeuesuee meve 2016‚17 ³ee DeeefLe&keÀ Je<ee&keÀjerlee Dee³ekeÀj Jepee peelee efveJJeU veHeÀe ̀ 4732.14 ueeKe JeeìCeermeeþer GheueyOe Deens. DeeefLe&keÀ Je<e& 2015‚16 ceOeerue efMeuuekeÀ Demeuesuee veHeÀe ³ee Je<eea®³ee veHeÀîeele pecee kesÀuee Demelee ceuìer mìsì keÀes.Dee@hejsìerJn meesmee³eìerped De@keÌì, 2002 ®³ee keÀuece 63 DevJe³es SketÀCe ©. 4732.17 FlekeÀe efveJJeU veHeÀe KeeueerueÒeceeCes JeeìCeermeeþer meb®eeuekeÀ ceb[U efMeHeÀejme keÀjerle Deens.

9

( ` ueeKeele)

leheMeerue jkeÌkeÀce

jeKeerJe efveOeer 25% ` 1183.04

mebYeeJ³e leesìe/vegkeÀmeeveermeeþer kesÀuesuee jeKeerJe efveOeer 10%

` 473.22

YeeieOeejkeÀebme }eYeebµe 12%(efMeHeÀejme) ` 811.23

Oecee&oe³e efveOeer ` 25.00

DeHeie´s[ mee@HeÌìJesDej / ne[&JesDej ` 10.00

meYeemeo keÀu³eeCe efveOeer ` 10.00

ueeYeebMe meceeveerkeÀjCe efveOeer ` 20.00

Fceejle efveOeer ` 313.90

megJeCe& ceneslmeJe efveOeer ` 5.00

menkeÀej efMe#eCe efveOeer ` 47.32

meYeemeo Je keÀce&®eejer efMe#eCe efveOeer ` 10.00

meevegie´n Devegoeve Je yeesveme ` 583.44

iegbleJeCetkeÀ ®e{Gleej efveOeer(Dee³eSHeÀDeej) ` 1240.00

Heg{er} Je<ee&meeþer efµeu}keÀ veHeÀe ` 0.02

SketÀCe ` 4732.17

Yeeb[Jeue he³ee&hleleeefjPeJn& yeBkesÀves menkeÀejer yeBkeÀebmeeþer Yeeb[Jeue he³ee&hleles®es ÒeceeCe 9 ìkeÌkesÀ FlekesÀ efveefM®ele kesÀues Deens DeeefCe HeÀe³eveeefvMe³eueer meeTb[ De@C[ Jesue ce@vesp[ yeBkeÀebmeeþer 12 ìkeÌke̳eeb®³eeJej Demes ÒeceeCe efveefM®ele kesÀues Deens. ³ee DenJeeue Je<ee&DeKesj Deeheu³ee yeBkesÀ®es Yeeb[Jeue he³ee&hleles®es ÒeceeCe efo. 31.3.2016 ®³ee 20.43% ®³ee leguevesle 19.33% FlekesÀ keÀceer Peeues Deens. ³eehewkeÀer ìer³ej 1 ke@Àheerìue Yeeb[Jeue he³ee&hleles®³ee 89.80% Deens. ìer³ej 1 ke@ÀheerìueceOeerue peemleer®es ÒeceeCe ns pej yesmeue ‚2 Je yesmeue ‚3 menkeÀejer yeBkeÀebvee ueeiet kesÀu³eeme l³eeb®³ee efMeHeÀejMeervegmeej Deens.

MeeKeeefJemleej DenJeeue Je<ee&le yeBkesÀves SketÀCe 14 MeeKee (1) heb®eJeìer, veeefMekeÀ (2) ceeuee[, cegbyeF& (3) yeesefjJeueer (he), cegbyeF& (4) keÀebpetjceeie& (he), cegbyeF& (5) keÀUbyeesueer, veJeer cegbyeF& (6) leUespee (7) keÀesunehetj (8) YeJeeveer hesþ, hegCes (9) vesjs, heveJesue (10) IeeìkeÀeshej, cegbyeF& (11) ®eWyegj, cegbyeF& (12) leUsieebJe, hegCes (13) ®eekeÀCe, hegCes Je (14) Deefueyeeie, je³eie[ ³ee efþkeÀeCeer GIe[u³ee Deensle. yeBkesÀves efo. 22.5.2017 jespeer SkeÀ MeeKee Keesheesueer, je³eie[ ³esLes, SkeÀ MeeKee efhebhejer, hegCes ³esLes efo. 22.06.2017 jespeer Je SkeÀ MeeKee meebieueer ³esLes efo. 05.07.2017 jespeer GIe[ueer Demetve Deepeefceleerle MeeKeeb®eer SketÀCe mebK³ee 78 Peeueer Deens. Gjuesu³ee oesve MeeKee (1) Sce.Dee³e.[er.meer. veJeer cegbyeF& (2) KeejyeeJe, efYeJeb[er ceens peguew, 2017 ceO³es GIe[C³eele ³esleerue. cnCepes®e peguew, 2017 he³e¥le yeBkesÀ®³ee SketÀCe 80 MeeKee nesleerue.yeBkesÀ®³ee Jeeef<e&keÀ MeeKee efJemleej DeejeKe[e, 2017ö18 vegmeej efjPeJn& yeBkesÀves Depetve 11 MeeKee (1) ceeuee[ (he) cegbyeF&, (2) meekeÀerveekeÀe, cegbyeF& (3) efoIee, veJeer cegbyeF& (4) veJeerve heveJesue, je³eie[ (5) hesCe, je³eie[ (6) F®euekeÀjbpeer, keÀesunehetj (7) pe³eefmebiehetj, keÀesunehetj (8) Oejcehesþ, veeiehetj (9) ueeskeÀcele ®eewkeÀ, veeiehetj (10) efvehheeCeer, keÀvee&ìkeÀ Je (11) yessUieebJe, keÀvee&ìkeÀ ³esLes GIe[C³eeme hejJeeveieer efouesueer Deens. p³ee³eesies 2018 DeKesjhe³e¥le leerve jep³eele efceUtve yeBkesÀ®³ee SketÀCe 91 MeeKee nesleerue. cnCepes®e yeBkesÀ®³ee 2020 DeKesjhe³e¥le®³ee 100 MeeKee GIe[C³ee®³ee GÎer<ìhetleeakeÀ[s DeeheCe ³eesi³e heOoleerves Jeeì®eeue keÀjerle Deenesle. ³ee Je<ee&leerue cegK³e keÀe³ee&ue³ee®eer keÀener Keeleer cnCepes®e meWì^ueeF&p[ efkeÌueDejeRie ef[heeì&ceWì, meWì^ueeF&p[ DekeÀewGbbì Deesheefvebie ef[heeì&ceWì Je

10

meWì^ueeF&p[ FvMegjvme ef[heeì&ceWì ner menkeÀejcetleea ieesheerveeLe efMeJejece heeìerue YeJeve, heejefmekeÀ veiej, keÀUJee, þeCes ö 400605 ³esLetve veMesceve efyeu[eRie, heefnuee cepeuee, mìsMeve jes[, keÀUJee, þeCes ö400605 ³esLes mLeueeblejerle kesÀueer Deensle. lemes®e ³ee Je<ee&le DeeheCe ceevekeÀesueer MeeKee Je Ssjesueer meskeÌìj 1 MeeKee ³eeb®esner mLeueeblej kesÀues Deens. Deeheu³ee yeBkesÀves (1) efJeÐee ÒemeejkeÀ ceb[U, þeCes keÀe@uespe (2) ®ejF& ìsefueHeÀesve SkeÌme®eWpe, þeCes Je (3) JeeieUs Fmìsì, þeCes ³esLes SketÀCe 3 Dee@HeÀmeeF&ì SìerScemed yemeefJeuesueer Deensle. veJeerve yeebOeuesueer keÀeshejKewjCes meskeÌìj 5 ³esLeerue yeBkesÀ®eer mJeleë®eer Fceejle mLeueeblejCeemeeþer ueJekeÀj®e le³eej nesle Deens. ³eeceO³es ie´enkeÀebmeeþer hegjsMee peeies®eer mees³e nesF&ue.

vee@ve yeBkeÀeRie J³eJemee³eyeBkeÀeRie J³eJemee³eeletve ³esCee-³ee GlhevveeJ³eefleefjkeÌle Flej Glhevve Jee{efJeC³eemeeþer yeBkesÀves ìeìe DesDee³epeer Je ve@Meveue FvMegjvme kebÀheveer Je yepeepe Deuee³evedme pevejue FvMegjvme kebÀheveer efue., ³eeb®esyejesyej meJe&meeOeejCe efJec³eeyeeyele lemes®e ³egìerDee³e FvÖeÀemì^keÌ®ej meefJn&mesme efue.,³eeb®es yejesyej he@vekeÀe[& keÀe{C³eemeboYee&le keÀeheexjsì Spevmeer®es keÀjej kesÀues Deensle. lemes®e yeBkesÀves Deeheu³ee J³eeJemeeef³ekeÀ ie´enkeÀebvee hee@F¥ì Dee@HeÀ mesue (hee@me) ceefMevme efoues Deensle.

peesKeerce J³eJemLeeheve yeBkeÀeRie J³eJenej keÀjerle Demeleevee ³esle DemeCee-³ee JesieJesieUd³ee peesKeerceebvee DeesUKetve l³eeb®es cegu³eceeheve keÀjCes Je l³eeb®es J³eJemLeeheve keÀjCes ³eekeÀjerlee yeBkesÀves cegK³e keÀe³ee&ue³eeceO³es peesKeerce J³eJemLeeheve Keel³ee®eer mJeleb$eheCes mLeehevee kesÀueer Deens. ns Keeles yeBkesÀleerue ceesþ³ee keÀpe&oejeb®eer Deeuesueer keÀpe&ÒekeÀjCes cebpetj keÀjlesJesUer yeBkesÀuee ³esCee-³ee peesKeceer®³ee ¢<ìerkeÀesveeletve l³ee®eer íeveveer keÀjles. lemes®e ns Keeles yeepeej peesKeerceer®eer ceeefnleer JesUesJesUer Jeefj<þ DeefOekeÀe-³eeb®³ee De@mesì uee³eyesefueìer ce@vespeceWì keÀefceìermeceesj meeoj keÀjles. l³eecegUs meefceleerme JesUesJesUer þsJeer Je keÀpee¥Jejerue J³eepeojeceO³es yeoue keÀjC³eeyeeyele meb®eeuekeÀ ceb[Ueme efMeHeÀejme keÀjCes mees³eer®es peeles. ³ee peesKeerce J³eJemLeeheve Keel³eeves MeeKeebkeÀjerlee lemes®e cegK³e keÀe³ee&ue³eeleerue Flej Keel³eebkeÀjerlee cenllJee®eer peesKeerce mLeeves (keÀer efjmkeÀ Fbef[kesÀìme&) veceto kesÀueer Deensle pesCeskeÀ©ve yeBkesÀ®³ee owvebefove J³eJenejeleerue peesKeerce Deeìeske̳eele DeeCelee ³esF&ue.

efJeosMeer efJeefvece³e efJeYeeie yeBkesÀuee efjPeJn& yeBkesÀkeÀ[tve HeÀe@jsve SkeÌme®eWpe Des[er 2, hejJeevee efceUeuee Deens ³eecegUs Deeheu³ee ie´enkeÀebvee efJeosMeer ®euevee®eer Kejsoer efJe¬eÀer Deeheu³ee meJe& MeeKeeceOetve keÀjlee ³esJet ueeieueer Deens. Je þjefJekeÀ 18 MeeKeebceOetve SveDeejF& DekeÀewGbìmed GIe[ueer peeT ueeieueer Deensle.

yeermeerSmeyeerDee³e Deeheu³ee yeBkesÀves ’yeBkeÀeRie keÀes[ De@C[ mì@v[[& yees[& Dee@HeÀ Fbef[³ee’ ³eeb®es meYeemeolJe Iesleues Deens. ner mebmLee yeBkeÀeRie #es$eeleerue mesJes®ee opee& Jee{efJeCes meboYee&le heefj<eoe Dee³eesefpele keÀjles lemes®e ie´enkeÀ efnleemeboYee&le yeBkeÀebvee meuueener osles.

leb$e%eeve Deepe®³ee mheOee&lcekeÀ ³egieele leb$e%eeve ner efJeMes<e yeeye vemetve keÀeUepeer iejpe Deens. cnCetve yeBkesÀves Deeheuee efveOeer DeveskeÀ leb$e%eeve³egkeÌle DeMee Glheeoveele iebbgleefJeuee Deens. ³eeceO³es ©hes [syeerì keÀe[&, ©hes FSceJdner keÀe[&, ©hes keÀe@cyees keÀe[&, ©hes hueeìervece keÀe[&, ©hes Fbìjve@Meveue keÀe[&, SmeSceSme yeBkeÀeRie, ceesyeeF&ue yeBkeÀeRie, ve@Meveue hesceWì keÀeheexjsMeve Dee@HeÀ Fbef[³ee ceeHe&Àle FefcepeerSì hesceWì efmemìerce, Fbìjvesì yeBkeÀeRie HebÀ[ ì^evmeHeÀj lemes®e F&uee@yeer cnCepes®e p³eele SìerSceJ³eefleefjkeÌle ®eskeÀ ®eer ceeieCeer keÀjCes, ®eskeÀ lemes®e jesKe jkeÌkeÀce YejCes Je heemeyegkeÀ íheeF& keÀ©ve IesCes ³ee megefJeOeeb®eener meceeJesMe Deens. yeBkesÀves Fbìjvesì yeBkeÀeRieÜejs F&‚keÀe@ceme& ner megefJeOee meg© kesÀueer Deens. Deeheu³ee yeBkesÀ®³ee ceesyeeF&ue De@hueerkesÀMeveÜejs ie´enkeÀ Deeheu³ee Keel³eeletve DeveskeÀ mesJeeb®eer efyeues MeeKesle ve peelee keÀener meskebÀoele®e Ye© MekeÀleele. yeBkesÀves ISO27001-2013 meefì&efHeÀkesÀì®es vegleveerkeÀjCe keÀ©ve peeieeflekeÀ leb$e%eevee®ee megjef#ele opee& keÀe³ece kesÀuee Deens. Deehelleer J³eJemLeeheveebleie&le yeBkeÀ eqve³eefcele ®ee®eC³ee hegCes ³esLes ³eMemJeerefjl³ee heej hee[le Demeles. lemes®e yeBkesÀves Deeheu³ee leb$e%eeveeleerue iebgleefJeuesu³ee ceefMevejerme yeens©ve nesCee-³ee nuu³eeheemetve megjef#ele þsJeC³eemeeþer ceeie&oMe&ve keÀjCee-³ee SkeÀe veeceebefkeÀle HeÀce&®eer leb$e%eeve megj#ee meuueeieej cnCetve vesceCetkeÀ kesÀueer Deens. yeBkesÀves Sueheerpeer ie@me®eer meyemeer[er DeeOeejkeÀe[&OeejkeÀeb®³ee Keel³eele Lesì Jeie& kesÀueer Deens. yeBkeÀ JesUesJesUer Deeheu³ee ie´enkeÀebvee meeJeOeeveles®ee FMeeje osCeejs mebosMe ceesyeeF&ue ceeHe&Àle osle Demeles. Goe. keÀesCel³eener Keelesoejeves Deeheu³ee Keel³eeyeeyele®eer ieesheveer³e ceeefnleer keÀesCeemener osT ve³es pejer leer ceeefnleer ceeieCee-³ee Fmeceeves lees yeBkesÀ®ee keÀce&®eejer Deens Demes YeemeefJeues lejermegOoe l³eeme leer ceeefnleer osT ve³es. ³ee Je<ee&le efjPeJn& yeBkesÀves ³egheerDee³e (³egefveHeÀeF&[ hesceWì FbìjHesÀme) Je yeeryeerheerSme (Yeejle yeerue hesceWì efmemìce) ³ee oesvner megefJeOee DebieerkeÀejC³eeme hejJeeveieer efouesueer Deens. ³ee oesvner megefJeOee SveheermeerDee³e ®³ee ®ee®eCeer Òe¬eÀer³esle Deensle. ³egheerDee³e ³ee megefJeOesceeHe&Àle SKeeoe ie´enkeÀ Deeheu³ee

11

yeBkesÀ®³ee De@hueerkesÀMeveceeHe&Àle ogme-³ee kegÀþu³eener yeBkesÀ®³ee Keel³eeJej®eer jkeÌkeÀce l³ee®³ee ceesyeeF&ueceeHe&Àle lemes®e keÀesCel³eener MeeKesuee Yesì ve oslee ì^evmeHeÀj keÀ© MekeÀlees. yeeryeerheerSme (Yeejle yeerue hesceWì efmemìce) ner J³eJemLee petve, 2017 ceO³es keÀe³e&jle Peeuesueer Deens. ³ee De@heÜejs DeeheCeeme MeeKeebvee lemes®e mesJee osCee-³ee mebmLeebvee Yesì ve oslee mesJee efyeueeb®ee YejCee keÀener #eCeeble keÀjlee ³esJet MekesÀue. yeBkesÀves 2017ö18 ³ee keÀeueeJeOeerle yeBkesÀ®es [eìe meWìj®es Je ef[Peemìj efjkeÀJnjer meWìj®³ee ne[&JesDej®es DeÐeeJeleerkeÀjCe keÀjC³ee®es þjefJeues Deens. lemes®e yeBkesÀ®es keÀesDej yeBkeÀeRie meesu³egMeve ns keÀeueyeend³e þjle Demeu³eeves lesner yeoueC³ee®es þjefJeues Deens. ³ee mebhetCe& yeoueemeeþer ceesþîee ÒeceeCeele Yeeb[Jeue iegbleJeCetkeÀer®eer iejpe Deens. ³eeveblej yeBkeÀ Deeheu³ee ie´enkeÀebvee lelhejlesves ef[peerìue yeBkeÀeRie®³ee DeÐeeJele mesJee osJet MekesÀue. pesJne SveheermeerDee³e ke´sÀ[erì keÀe[e&®es efJelejCe keÀjsue lesJne Deeheueer yeBkeÀ ner ke´sÀ[erì keÀe[& efJelejCeele menYeeieer nesF&ue. DeeheCe ³eeJe<eea Flej yeBkeÀeb®³ee leguevesceO³es ’HegÀuueer ef[peerìue“ ³ee mebkeÀuhevesle heg{s Demet.

ceveg<³eyeUye@BkesÀ®ee efJemleej DeejeKe[e keÀe³ee&efvJele keÀjleevee HeÀkeÌle mebK³eelcekeÀ Jee{ DeHesef#ele vemetve iegCeelcekeÀ Jee{erkeÀ[s ue#e osCes DeeJeM³ekeÀ Deens. ie´enkeÀeb®³ee Jee{l³ee iejpee YeeieefJeCes, MeeKeeJe=Ooer Je SkebÀoj nesCeejer keÀpe&Jee{ ue#eele Ieslee me#ece ceveg<³eyeUe®eer iejpe Yeemeles Deens. leer HetCe& keÀjC³eemeeþer J³eeJemeeef³ekeÀ¢<ìîee efMeef#ele lemes®e yeBkeÀeRie #es$eeceOeerue meg³eesi³e Je Hegjsmee DevegYeJe DemeCee-³ee J³ekeÌleeR®eer Jejer<þ HeeleUerJej efve³egkeÌleer kesÀueer peele Deens. yeBkeÀeRie #es$eeleerue leerJe´ mHeOee&lcekeÀ JeeleeJejCeecegUs DeeHeues ie´enkeÀ DeeHeCe efìkeÀefJeCes Je Jee{efJeCes ns HeÀej cenllJee®es Deens. ³ee®eer peyeeyeoejer meJe&mJeer yeBkesÀ®³ee keÀce&®ee-³eebJejleer ³esles. keÀce&®ee-³eebveer ner peyeeyeoejer DeesUKetve, meleke&À jentve, keÀeUpeerHetJe&keÀ keÀece keÀjÀve yeBkesÀ®eer He´eflecee Gb®eeJeC³eeme neleYeej ueeJeCes cenlJee®es Deens. keÀce&®ee-³eebvee yeBkeÀeRieceO³es efvel³eveJ³ee nesCee-³ee yeoueebvee meeceesjs peeC³eekeÀjerlee yeBkesÀ®³ee cegK³e keÀe³ee&ue³eele He´efMe#eCee®eer J³eJemLee kesÀueer peeles. ³eekeÀjerlee yeensjerue le%e ceb[Uerbvee He´efMe#eCe osC³eemeeþer yeesueeefJeues peeles. lemes®e efjPeJn& yeBkeÀ Je Flej menkeÀejer He´efMe#eCe mebmLeebveer Dee³eesefpele kesÀuesu³ee He´efMe#eCeekeÀjerlee keÀce&®ee-³eebvee HeeþefJeC³eele ³esles. yeBkesÀves MeeKeebceOeerue lemes®e cegK³e keÀe³ee&ue³eeleerue þsJeer, keÀpe&, Flej mesJee, leb$e%eeve, Fl³eeoeryeeyele®es meKeesue ceeefnleer hegmlekeÀ (ce@vegDeue Dee@HeÀ Fbmì^keÌMevme) le³eej kesÀues Deens. lemes®e ³eboe®³ee DenJeeue Je<ee&le yeBkesÀves meJe& keÀce&®ee-³eebkeÀjerlee ÒeefMe#eCee®eer J³eJemLee kesÀueer Deens. p³ee³eesies yeBkesÀleerue keÀce&®ee-³eeb®es %eeve Je efveCe&³e IesC³ee®eer #ecelee Jee{tve ie´enkeÀ mesJesceO³esmegOoe Je=Ooer nesF&ue. ³ee DenJeeueJe<ee&le SketÀCe 950 keÀce&®ee-³eebkeÀjerlee 26 ÒeefMe#eCee®es keÀe³e&¬eÀce Dee³eesefpele kesÀues iesues. lemes®e 25 DeefOekeÀe-³eebkeÀjerlee 15 ÒeefMe#eCe keÀe³e&¬eÀce Dee³eesefpele kesÀues iesues. ³eeceO³es kesÀJee³emeer, efJeosMe J³eJemee³e, efmemìerce Dee@[erì, ke´sÀ[erì ceekexÀìeRie, hejHeÀe@jcevme DeÒee³ePeume, keÌueerve veesì hee@efuemeer, efìce efyeu[eRie, ie´enkeÀ mesJee, ceesyeeF&ue Je Fbìjvesì yeBkeÀeRie Fl³eeoer efJe<e³eebJej ÒeefMe#eCe keÀe³e&¬eÀce Dee³eesefpele kesÀuesues nesles. keÀce&®ee-³eeb®³ee meghle keÀueeiegCeebvee JeeJe efceUeJee lemes®e yeBkesÀleerue leep³ee Ie[ecees[eR®eer ceeefnleer meJe& keÀce&®ee-³eebvee JneJeer nd³ee GÎsMeeves yeBkesÀves ’FvemeeF&쓳ee veeJee®es ceeefmekeÀner meg© kesÀues Deens. yeBkesÀves Deeheu³ee meJe& keÀce&®ee-³eebMeer meueesK³ee®es mebyebOe þsJeues Deensle. peerheer heejefmekeÀ yeBkeÀ keÀce&®eejer DeeefCe DeefOekeÀejer mebIeìvesves ie´enkeÀ mesJee Je Glheeove#ecelee Jee{efJeC³eekeÀjerlee efouesues mebhetCe& menkeÀe³e& Je men³eesieekeÀjerlee yeBkeÀ DeeYeejer Deens. Deeheu³ee yeBkesÀ®³ee ef¬eÀkesÀ쮳ee mebIeeves keÀeskeÀCe veeiejer menkeÀejer yeBkeÀ DemeesefmeSMeveves, JemeF& ³esLes YejefJeuesu³ee ef¬eÀkesÀì meecev³eebceO³es heefnues DeeefCe ogmejs yeef#eme heìkeÀeJeues Deens.

mJes®íe efveJe=lleer ³eespeveeyeBkeÀeRie #es$e lemes®e Deeheueer yeBkeÀ Del³eble peueo ieleerves nesCee-³ee yeouee®ee SkeÀ Yeeie Deens. nmleefueefKele yeBkeÀeRieJe©ve ef[peerìue yeBkeÀeRiekeÀ[s peele Deens. yeBkesÀves p³ee keÀce&®ee-³eeb®es Je³e 50Je<ee&hes#ee peemle Deens Je p³eeb®eer 20 Je<ee&hes#ee peemle mesJee Peeueer Deens DeMee keÀce&®ee-³eebkeÀjerlee mJes®íe efveJe=lleer ³eespevee peenerj kesÀueer. ³eeceO³es yeBkesÀves SketÀCe 12 keÀce&®ee-³eeb®es mJes®íe efveJe=lleer®es Depe& cebpetj kesÀues.

heerScepespesJee³e Je heerSceSmeyeerJee³e ³ee Je<e&YejeceO³es SketÀCe 6917 KeelesOeejkeÀebveer ÒeOeeveceb$eer peerJeve p³eesleer ³eespevesKeeueer veeWoCeer kesÀueer l³eehewkeÀer 12 keÌuescme cebpetj Peeuesle. lemes®e SketÀCe 11272 KeelesOeejkeÀebveer ÒeOeeveceb$eer megj#ee efyecee ³eespevesKeeueer veeWoCeer kesÀueer l³eehewkeÀer 1 keÌuesce cebpetj Peeuee Deens. meYeemeoebveer ³ee ³eespeveeb®ee ueeYe I³eeJee.

mebmLee meb®eeueve (Corporate Governance) mebmLes®es ³eMe ns l³ee mebmLes®³ee meb®eeueveeJej DeJeuebyetve Demeles. yeBkesÀves Deeheu³ee SketÀCe MeeKeeb®es ®eej keÌuemìj le³eej keÀ©ve l³eeJej MeeKee efve³eb$eCeemeeþer ®eej mene³³ekeÀ mejJ³eJemLeehekeÀeb®eer vesceCetkeÀ kesÀueer Deens. ÒeMeemekeÀer³e keÀecekeÀepeeceO³es megOeejCee DeeCeC³eemeeþer efJeYeeieÒecegKed

12

lemes®e keÌuemìj ns[®³ee cegK³e keÀe³ee&ue³eeceO³es JesUesJesUer meYee nesle Demeleele. yeBkesÀ®³ee Jejer<þ DeefOekeÀe-³eeb®³ee ALCO meefceleer®³ee meYee megOoe efve³eefcele nesle Demeleele. yeBkesÀves efjPeJn& yeBkesÀ®³ee efve³eceevegmeej yeBkeÀeRie le%e Demeuesu³ee meb®eeuekeÀeb®ee meceeJesMe Dee@[erì keÀefceìerceO³es keÀjÀve l³eeb®³ee meYeener efve³eefcele nesle Demeleele. ³eecegUs yeBkesÀ®³ee DeeefLe&keÀ J³eJenejebceO³es heejoMe&keÀlee ³esTve meYeemeoeb®es efnlener heeefnues peeles.

meuueeieej vesceCetkeÀ yeBkesÀ®eer Jee{ Peheeìd³eeves nesle Deens. ns heefjJele&ve nesle Demeleevee Jee{erceO³es DebleYedbt&le Demeuesu³ee peesKeerceeb®es J³eJemLeeheve keÀjCes DeeJeM³ekeÀ Deens. l³eekeÀjerlee yeBkesÀves Þeer. meefleMe jIegveeLe GleskeÀj ³eeb®eer meuueeieej cnCetve ceens ces, 2017 heemetve vesceCetkeÀ kesÀueer Deens. Þeer. meefleMe jIegveeLe GleskeÀj ³eebvee 35 Je<ee&ntve DeefOekeÀ yeBkeÀeRie #es$eeleerue DevegYeJe Demetve les ìerpesSmeyeer yeBkeÀ efue., ®es efveJe=lle J³eJemLeehekeÀer³e meb®eeuekeÀ Je cegK³e keÀe³e&keÀejer DeefOekeÀejer nesles.

meeceeefpekeÀ yeebefOe}keÀer (1) peerheer heejefmekeÀ yeBkeÀ meeceeefpekeÀ peyeeyeoejer®eer peeCeerJe þsJetve Deeheu³ee efveJJeU veHeÀîee®³ee cebpetj ìkeÌkesÀJeejer FlekeÀer jkeÌkeÀce meeceeefpekeÀ

keÀe³e& keÀjCee-³ee mebmLeebvee osles. ³ee DenJeeueJe<eea yeBkesÀves SketÀCe 16 mebmLeebvee ` 18,25,000/- FlekeÀer jkeÌkeÀce efoueer. (2) efo. 7 veesJnWyej, 2016 jespeer peerheer heejefmekeÀ yeBkeÀ Schuee@F&pe De@C[ Dee@efHeÀmeme& DemeesefmeSMeveves yeBkesÀ®³ee cegK³e keÀe³ee&ue³e ³esLes

jkeÌleoeve efMeyeerje®es Dee³eesefpele kesÀues nesles. (3) yeBkesÀ®³ee Jeleerves 45 Je<ee¥Jejerue meYeemeoebmeeþer efo. 7 veesJnWyej, 2016 jespeer ceesHeÀle JewÐekeÀer³e leheemeCeer efMeyeerje®es Dee³eespeve cegK³e

keÀe³ee&ue³e, heejefmekeÀ veiej, keÀUJee, þeCes ³esLes keÀjC³eele Deeues nesles.(4) yeBkeÀsves ³eeJe<eea meYeemeoebJej DeJeuebyetve Demeuesu³ee 20 efJeÐeeL³ee¥®³ee efMe#eCeekeÀjerlee ` 46,000/- DeeefLe&keÀ ceole efoueer Deens. (5) yeBkesÀves ³ee Je<eea 14 meYeemeoebvee ` 1,13,000/- JewÐekeÀer³e ceole efoueer Deens. (7) yeBkesÀves meeueeyeeoÒeceeCes keÀce&®ee-³eebkeÀjerlee ef¬eÀkesÀì ìgvee&ceWì®es Dee³eespeve kesÀues nesles. mJeieea³e ieesheerveeLe heeìerue meensyeeb®³ee ’mcejCeeLe&

menkeÀejcetleea ieesheerveeLeoeoe heeìerue HeÀeTb[sMeve leHexÀ ce³ee&oerle <eìkeÀeb®eer FbìjyeBkeÀ ef¬eÀkesÀì ìgvee&ceWì®es Dee³eespeve kesÀues nesles. ³eele SketÀCe 16 yeBkeÀebveer menYeeie Iesleuee neslee. ³eele efjPeJn& yeBkeÀ Dee@HeÀ Fbef[³eeves heefnues lej ye@efmeve ke@ÀLee@efuekeÀ keÀes.Dee@hejsìerJn yeBkesÀves ogmejs heeefjleesef<ekeÀ efceUefJeues.

(8) Jeenve®eeuekeÀebceO³es megjef#ele ÒeJeemee®eer peeCeerJe efvecee&Ce JneJeer ³eekeÀjerlee yeBkesÀves “JeenlegkeÀ megj#ee mehleen“ ³ee Ghe¬eÀceele þeCes ³esLes menYeeie Iesleuee.

(9) JeveerkeÀjCe ë yeBkesÀ®es mebmLeeHekeÀ mJeieea³e ieesHeerveeLe Heeìerue meensyeebveer menkeÀej, meeceeefpekeÀ Je Mew#eefCekeÀ DeMee efJeefJeOe #es$eeble DeeHeu³ee keÀe³ee&®ee þmee GceìefJeC³eeyejesyej®e JeveerkeÀjCee®es cenlJe HeìJetve osC³eemeeþer ³ee #es$eeleerue menkeÀe-³eebvee He´sefjle keÀjÀve l³eeb®³ee meeLeerves Je menkeÀej yePeej, keÀUJee ³eeb®³ee menkeÀe³ee&ves HeejefmekeÀ [eWiejeJej oer[ ueeKeeb®es Jej Pee[s ueeJetve Je=#emebJeOe&ve kesÀu³eeves®e Deepe HeejefmekeÀ®ee [eWiej efnjJeeF&ves veìuee Deens. HeejefmekeÀ [eWieje®³ee JeveerkeÀjCeeyejesyej®e yeBkessÀves keÀUJee, efJeìeJee Je HeejefmekeÀ HeefjmejeceO³es jml³ee®³ee ogleHeÀe& ueeJeuesu³ee efJeefJeOe Je=#eebcegUs efnjJeeieej Peeuesuee Heefjmej mee-³eebvee He´mevve keÀjle Deens. Deepe JeveerkeÀjCe ner keÀeUe®eer iejpe Deens.

efnMeesye leHeemeCeer ë- efjPeJn& yeBkesÀ®es pevejue ce@vespej Je ef®eHeÀ FvmHeskeÌìeRie Dee@efHeÀmej Þeer. Jner. efJeefuue³ece jepet, meew. efMeJeeveer ³eeoJe Je l³eeb®es menkeÀejer Þeer. Deej.Sce. efMebheer ³eebveer yeBkesÀ®es meve 2015ö16 ®eer efnMesye leheemeCeer keÀjÀve yeBkesÀme cenlJeHetCe& ceeie&oMe&ve kesÀues. DenJeeue Je<eea JewOeeefvekeÀ uesKeeHeefj#ekeÀ ces. ieesieìs DeeefCe kebÀheveer ³eebveer efnMesye leHeemeCeer HetCe& kesÀueer Demetve yeBkesÀ®ee Dee@[erì Jeie& ’De“ keÀe³ece þsJeuee. yeBkesÀ®es keÀvkeÀjbì /Debleie&le efnMeesye leHeemeveerme ces. yeer. Sme. keÀesj[s De@C[ kebÀ., ces. Deej. Jner. yewkeÀj De@C[ kebÀHeveer, ces. S. Jner. meeyeUs, ces. Sme.Sme. ie[keÀjer De@C[ DemeesefmeSìmed DeeefCe ces. jentue Sve. Iejle De@C[ kebÀheveer ³eebveer keÀvkeÀjbì / Debleie&le efnMesye leHeemeCeer HetCe& keÀjÀve l³eeyeeyele®ee DenJeeue yeBkesÀme efouee Deens.

meer.S.HeÀce&Üeje keÀvkeÀjbì Dee@[erì nesCee-³ee SketÀCe MeeKee 26 +1 cegK³e keÀe³ee&ue³e

meer.S.HeÀce&Üeje Fbìjveue Dee@[erì nesCee-³ee SketÀCe MeeKee 44

yeBkeÀ DeefOekeÀejerÜeje Debleie&le leheemeCeer nesCee-³ee SketÀCe MeeKee 71

DeMee ÒekeÀejs yeBkesÀ®³ee meJe& MeeKee Je cegK³e keÀe³ee&ue³e efJeYeeieeb®eer leheemeCeer Dee@[erì efJeYeeieeleHexÀ nesles.

13

meve 2017ö18 ³ee DeeefLe&keÀ Je<ee&keÀjerlee meb®eeuekeÀ ceb[U ces. ieesieìs De@C[ kebÀheveer ³eeb®eer JewOeeefvekeÀ uesKeeheefj#ekeÀ cnCetve vesceCetkeÀ keÀjC³ee®eer efMeHeÀejme keÀjerle Deens. l³eeb®³ee efve³egkeÌleeryeeyele®ee efJe<e³e veesìermeceO³es ¬eÀ. 7 Jej Deens.

efveM®eueerkeÀjCe (veesìeyeboer) (Demonetisation)cee. hebleÒeOeeve Þeer. vejWê ceesoer ³eebveer efo. 8 veesJnWyej, 2016 jespeer ©. 500 Je ©. 1000 ®³ee ®eueveer veesìeb®es leelkeÀeU efveM®eefuekeÀjCe Ieesef<ele kesÀues. Je ³ee veesìe efo. 30.12.2016 jespeerhe³e¥le yeBkeÀebvee efmJekeÀejC³eeyeeyele met®evee efou³ee. ³ee veesìe ye-³ee®e ceesþîee ÒeceeCeele Demeu³ee keÀejCeeves ie´enkeÀebvee Je yeBkesÀ®³ee keÀce&®ee-³eebvee ceesþîee De[®eCeerletve peeJes ueeieues. yeBkesÀleerue keÀce&®ee-³eebveer efoJemeeleerue 12 leemeebhes#ee peemle JesU keÀece keÀ©ve hebleÒeOeeveeb®³ee efveCe&³eeuee mebhetCe&heCes menkeÀe³e& kesÀues. Deeheu³ee yeBkesÀves ©. 789.91 keÀesìer®³ee meoj veesìe pecee kesÀu³ee Je efjPeJn& yeBkeÀ / keÀjvmeer ®esmìceO³es pecee kesÀu³ee. ie´enkeÀebvee Peeuesu³ee iewjmees³eeryeÎue Deecner efoueieerj Deenesle. lemes®e efo.9.11.2016 les efo. 30.12.2016 ³ee efveM®eefuekeÀjCee®³ee keÀeueeJeOeerle keÀce&®ee-³eebveer ie´enkeÀebÒeleer oMed&efJeuesu³ee SkeÀefve<þleskeÀjerlee yeBkeÀ keÀce&®ee-³eeb®eer DeeYeejer Deens.

ÞeOoebpeueer ³ee DenJeeue Je<ee&&le yeBkesÀ®es p³es<þ meb®eeuekeÀ Þeer. ieesheerveeLe yeeyetjeJe heeìerue ³eebvee efo. 16.5.2017 jespeer osJee%ee Peeueer. meve 2001 heemetve iesueer 16 Je<ex les yeBkesÀ®³ee meb®eeuekeÀ heoeJej nesles. l³eeb®³ee DekeÀmceele efveOeveeves yeBkesÀ®es ceesþs vegkeÀmeeve Peeues Deens. lemes®e ³ee DenJeeue Je<ee&le osJee%ee Peeuesues yeBkesÀ®es meYeemeo, Keelesoej DeeefCe efnleef®eblekeÀ ³eebvee yeBkesÀleHexÀ efJevece´ ÞeOoebpeueer !

ieewjJe (1) efo ceneje<ì^ Deye&ve keÀes.Dee@he. yeBkeÌme HesÀ[jsMeve ³eeb®³eeleHexÀ meve 2015ö16 ®ee ` 1,000/- keÀesìeR®³eeJej þsJeer Demeuesu³ee ieìeletve

ÒeLece ¬eÀceebkeÀe®ee ’meJeexlke=À<ì yeBkeÀ hegjmkeÀej“ yeBkesÀme efceUeuee Deens. meoj hegjmkeÀej meve 2014 ö 15 ceO³esner yeBkesÀme efceUeuesuee Deens.(2) yeBkesÀuee CSI IT 2020 ®ee ÖeÀe@[ Je FvHeÀjcesMeve efmeke̳egefjìer FefveefMeSìerJn keÀjerlee meJeexlke=À<ì yeBkeÀ Demee hegjmkeÀej efceUeuee Deens. (3) yeBkesÀuee Deeheu³ee leb$e%eeveeleerue MeesOekeÀe³ee&®³ee heg{ekeÀejekeÀjerlee yeerSHeÀSmeDee³e ìskeÌvee@uee@peer efue[jMeerhe De@Jee[& 2016 Òeehle Peeues Deens.

$eÝCeefveoxµe yeBkesÀ®³ee He´ieleerefMeue Jeeì®eeueerleerue ceePes menkeÀejer, meYeemeo, ceeie&oMe&keÀ, Deepeer Je ceepeer meb®eeuekeÀ, efnleef®eblekeÀ ³ee mee-³eeb®³ee menkeÀe³ee&yeÎue ceer l³eeb®ee $eÝCeer Deens. yeBkesÀ®³ee meJe& meb®eeuekeÀeb®es ceewefuekeÀ ceeie&oMe&ve, menkeÀe³e& ³eecegUs®e yeBkesÀ®eer meJee¥ieerCe Òeieleer Peeueer Deens l³eeyeodoue ceer l³eeb®ee DeeYeejer Deens. yeBkesÀ®es Debleie&le uesKeeHeefj#ekeÀ, JewOeeefvekeÀ uesKeeHeefj#ekeÀ ³eeb®³ee ceeie&oMe&veeyeodoue meb®eeuekeÀ ceb[U l³eeb®es DeeYeejer Deens. Yeejleer³e efjPeJn& yeBkeÀ, keWÀefê³e efveyebOekeÀ, menkeÀejer mebmLee, veJeer efouueer, cee. menkeÀej Dee³egkeÌle Je efveyebOekeÀ,menkeÀejer mebmLee, ceneje<ì^ jep³e hegCes, efveyebOekeÀ, menkeÀejer mebmLee, keÀvee&ìkeÀ jep³e, ieesJee jep³e Je cee. menkeÀejceb$eer, ieesJee Meemeve, heCepeer, efpeune GHe-efveyebOekeÀ, HegCes, veJeer cegbyeF&, þeCes Je keÀesuneHetj ³eebveer JesUesJesUer kesÀuesu³ee menkeÀe³ee&yeodoue ceer l³eeb®ee $eÝCeer Deens.yeBkesÀ®³ee meb®eeuekeÀ ceb[Ue®eer efveJe[CetkeÀ Dee@keÌìesyejöveesJnWyej, 2016 ceO³es IesC³eekeÀjerlee Þeer. megjsMe yeer. DebOeejs, mene³³ekeÀ efveyebOekeÀ, menkeÀejer mebmLee, heeueIej, ceneje<ì^ jep³e ³eebveer efveJe[CetkeÀ DeefOekeÀejer cnCetve keÀece heeefnues l³eeb®eener ceer DeeYeejer Deens. yeBkesÀ®es keÀe³e&#ece meb®eeuekeÀ, DeefOekeÀejer Je keÀce&®eejer ³eeb®eskeÀ[tve He´ieleer®³ee He´l³eskeÀ ìHH³eeJej l³eeb®³ee menkeÀe³ee&®eer DeHes#ee keÀjÀve ne DenJeeue HetCe& keÀjlees.

pe³eefnbo ! pe³e menkeÀej !

DeeHe}e efJeµJeemet, jCepeerle ieesHeerveeLe Heeìer} DeO³e#e

14

46th Annual Report - Year 2016-2017

Respected Members,By invoking the sacred memories of founder Chairman of the Bank, late Shri. Gopinath Patil Saheb, on behalf of theBoardofDirectors,Iextendwarmwelcometoallofyou.Iamverygladtopresentthis46thAnnualReportfortheyear2016-2017,AuditedBalanceSheetandProfitandLossAccountfortheyearended31stMarch,2017dulycertifiedbyStatutoryAuditorsM/s.Gogate&Co.

Banking ScenarioTheyear2016-17wasayearofmanyupsanddownandboldpolicydecisionsbytheGovernmentofIndiaandReserve Bank of India. Most of the world economies continued negative growth or very low growth. The demand forfundsbytheIndustryandtradewassubdued.NomajorprojectswerestartedexceptNationalHighwayProjects.Due to subdued global demand Industry was shying away from new Investments. Hence there was no demand fornewadvances.Thebanksforthefirsttimeshowedgrowthofjust5.08%inloans,lowestinlast4decades.To curb the black money, terrorism and other reasons the Govt. of India demonetised ` 500&`1000 notes on 8thNovember,2016whichconstitutedmorethan86%thecurrencyincirculationinthecountry.Thiswasagreatchallenge to the banking industry which struggled hard to distribute and make available valid currency notes to the general public. The positive impact of demonetisation was felt in multiple increase in digital payments and cheque transactions as against traditional cash economy. Though many people had to stand in the long queues to deposit demonetised currency and collect legal currency, the people by and large saw this as a war against black moneyandaccepteditwholeheartedly.Manybankswereflushedwithdepositsandlackofdemandforfunds.Non-currencyChestbankssufferedhugecost fordepositingdemonetisedcurrencyandgettingnewcurrency.Further currency chest banks did not give credit for the demonetised currency deposited with them for a long periodresultingininterestloss.MostoftheCo-OperativeBankdonothaveowncurrencychestandhencetheyaretheworstsufferersintheprocess.Theydidnotgetsolacefromanyexpectedsources.Inspiteoflowdemandforfundsanddemonetisation,theeconomygrewbeyond7%duetothepragmaticpoliciesoftheGovernmentand hard work of the people of this great country.

Performance Highlights of the BankIntheyear2016-17,theareaofoperationoftheBankisextendedtoKarnatakaStateinadditiontoMaharashtraandGoaStates.WewillopentwobranchesinKarnatakainthisfinancialyear.I am happy to mention that the Bank has recorded sustainable impressive performance by crossing the business-mixof`4,755.00croresandnetprofitaftertaxof`47.32crores.Thegrowthinadvancesis14.82%asagainstthegrowthof5.08%bytheBankingSectorinIndia.ThegrowthinBusinessmixisalsoremarkableat19.13% much above the average growth in the Banking Sector. Financial Highlights ` in Crores.

Particulars 31.03.2017 31.03.2016 Increase /decreaseNo. of Members 88277 82559 5718Business-mix 4756.69 3993.01 763.68Deposits 2979.78 2445.45 534.33Advances 1776.91 1547.56 229.35GrossProfit 87.81 65.33 22.48NetProfit 47.32 32.07 15.25Share Capital 73.62 63.94 9.68Working Capital 3624.79 3053.73 571.06Reserves 346.18 314.12 32.06Gross NPA 47.35 38.59 8.76Net NPA 0.00% 0.00% 0.00%CRAR 19.33% 20.43% -1.96%

15

DepositsDuringthefinancialyeartotaldepositsoftheBankincreasedby`534.33croresagainst increaseof`277.62croresduring2014-15. ` in Crores.

Types of Deposits 2016-17 % 2015-16 %Current 303.37 10.18 234.34 9.58Savings 1227.41 41.19 975.68 39.90Term 1449.00 48.63 1235.43 50.52Total 2979.78 100.00 2445.45 100.00CASA 1530.78 51.37 1210.02 49.48

The CASA deposits of our bank continued to be one of the highest in the industry.

TDS on Interest on Deposits Allthemembersarerequestedtonotethechangeundertheprovisionsofsection194ofIncomeTaxAct,1961whereinwitheffectfrom1stJune,2015,iftheinterestamountforthefinancialyearexceedsRs.10,000/-onTermDeposits and Recurring Deposits of Individual Accountholder, held in all the branches of a bank, such interest is subjecttoTDSunlessthedepositorsubmits15G/15Hforms,ifapplicableirrespectiveofwhetherthedepositorisamemberorotherwise.Allthedepositorsandmembersarerequestedtosubmit15G/15HformsifapplicablewellintimetoenableustoexemptfromTDS.

Deposit InsuranceAs per RBI guidelines bank has insured its deposits with Deposit Insurance and Credit Guarantee Corporation (DICGC) which covers deposits upto ` 1 lakh per depositor.

Loans & AdvancesThe advances portfolio has increased by ` 229.35 crores as against the increase of `280.51 crores during 2015-16.AsaresultCreditDepositRatio(CDratio)decreasedto59.63%from63.28%during2015-16.ThebankwilltakeallnecessarystepstoincreasetheCDratioupto65%during2017-18.Outofthetotalloansandadvancesof ` 1,776.91 crores, the loans toPrioritySectoradvanceswere66.64%andWeakerSectionadvancewere11.54%ofpreviousyearsadjustablenetbankcredit.Thebankisgrantingloansthroughvariousloanschemes.The Bank is also taking efforts to disburse loans against gold ornaments immediately and also disburse the loan forBusiness,Housing,Vehicle,HigherEducationandPersonal/Consumptionpurposes.TheBankhasidentifiedSMEadvancesastargetareafor increaseinthe loanportfoliofortheyear2017-18.Bank’sexposuretoRealEstateandCommercialRealEstateSectorincludingHousingLoanswas14.01%withinRBIstipulationof15%ofthe net total assets of previous years Audited Balance Sheet.

Overdue & NPA ManagementDuring the year most of the banks have shown further slippage of borrowal accounts in NPA due to economic reasons.WearegladtoinformtothemembersthatwehavecontainedtheGrossNPAbelow2.70%andnetNPAat 0.00%. ` in Crores.

Particulars 2016-17 (Amount) % 2015-16 (Amount) %

Gross NPA 47.35 2.66 38.59 2.49Net NPA 0.00 0.00 0.00 0.00Provision Requirement 13.20 11.42Provisions made 91.26 78.74ExcessProvisionsmade 78.06 67.33Total Advances 1776.91 1546.97Coverage Ratio 192.73% 204.05%

16

OurBanksAssetCoverageratioisoneofthehighestintheIndustry.

ConsequentuponobtainingMulti-Statestatusbythebank,thebankcanexerciseitsrightsofrecoveryundertheprovisionsofTheSecuritizationandReconstructionofFinancialAssetsandEnforcementofSecurityInterestAct,2002(SARFAESI).TheSupremeCourthaspassedjudgmentinaffirmitytopublishphotographsofthedefaulterborrowers and their guarantors in local newspaper and electronic media. The defaulting members are requested tocleartheoverduesandco-operatethebankagainstsuchunpleasantrecoverymeasures.

Investment The total investment portfolio of the bank was `1,295.50croresoutofwhich`980.81croresare invested inGovernment Securities, and in other approved Securities. The balance investments of ` 314.69 crores are held in FDRswithPublicSectorBanks,StateCo-operativeBankandDistrictCentralCo-operativeBank.AsperprovisionsofBankingRegulationAct,thebankisrequiredtomaintainminimumSLRof20.50%andmaximum40%ofNDTLagainstwhich our bank hasmaintainedSLRof 28.57%ofNDTL.The investments are kept inSGLAccountwithRBIandinD-matAccountwithStockHoldingCorporation.ThebankhasprovidedInvestmentDepreciationReserves (IDR) of ̀ 2.83croresasperIDRrequirement.Thebankhasalsoprovided̀ 19.44 crores for Investment Fluctuation Reserves against requirement of `31.84croresasperRBIguidelinestoprovide5%ofAFS&HFTportfolio. Hence board has recommended appropriation of `12.40croresfromthenetprofitforthisyeartowardsIFR.Duringtheyearbankhasearnedaprofitof`28.87croresbytradinginInvestments.

Election of the Board of DirectorsThe election to the Board of Directors of the Bank was due in December, 2016. The Board of Directors had appointedShri.SureshB.Andhare,AssistantRegistrar,Co-OperativeSocieties,Palghar,MaharashtraStateastheReturningOfficer toconduct theelection.Theelection for10GeneralCategory,1SC /STand2WomenSeatswasannouncedbypublishinginthenewspaperon7.10.2016.Sincethenumberofvalidnominationswereequal to the vacancies in each category and none of the nominees withdrew upto the date for withdrawal, all the 10GeneralCategory,1SC/STand2Womencategorycandidatesweredeclaredelectedunopposed in theirrespectivecategoryon08.11.2016.InthefirstmeetingofthenewlyelectedDirectorstheReturningOfficeralsodeclared Shri. Ranjit Gopinath Patil as Chairman and Shri. Narayan Gajanan Gawand as Vice Chairman elected unopposedfornextfiveyearsterm.

Meetings of the Board of Directors During the year under review 19 Board meetings were held. Generally meetings were attended by all the Directors and all the decisions are taken unanimously. The Board work in professional manner to enhance the trust of the public.AspertheBye-lawsNo.43oftheBank,wehaveconstitutedanExecutiveCommitteewhichgenerallymeetsonceinaweektotakedecisionsonalldaytodayissues.TheExecutiveCommitteeisempoweredwithrequisite powers to take decisions. In addition to above, sub committees like Staff Committee, Audit Committee and Recovery Committee also meet regularly and take delegated decisions.

ProfitabilityInayearwhenmostofthebanksareeitherdeclaringlossesorreducedprofits,wehaveshownarespectableenhancednetprofitof`47.32croreduring2016-17.

` in Crores.

Particulars 2016-17 2015-16Profitbeforetaxandprovision 87.81 65.33Profitaftertaxandprovision 47.32 32.07

DividendRBI has permitted many Small and Payment Banks, who have started banking operation during the year. They arecomingoutwiththelatesttechnology&digitalproductsandgivingtoughcompetitiontotheexistingbanks,particularly Urban Co-operative Banks. Our CBS (Core Banking Solutions) and Data Centre Hardware was

17

purchasedin2009-10andisnotinapositiontoprovidelatesttechnology&digitalproducts.HencethisyearwearerequiredtopurchasenewHardwareforDataCentre&DRSiteandalsogoforsophisticatedCBSsothatwewould be in a position to provide latest digital products to the customers at reasonable ‘price’. This require huge CapitalInvestmentduring2017-18.RBIhasalsoputnormsforCapitalAdequacy.Henceweneedtoincreasefreereserves so that low cost capital is available to maintain Capital Adequacy (CRAR) to the desired level. This also needsploughbackofprofittoReserves.Thereturnondepositshavealsocamedownto7%to7.5%,areductionof2to3percentagepoint.EventheGovernmenthasalsoreducedthereturnonGovt.Securities&PostOfficesdeposits. Hence there is need for reduction in dividend to strengthen the bank in long term.

The Board of Directors are pleased to recommend dividend of 12% on pro-rate basis for the financial year 2016-17afterploughingbacksufficientprofitformaintaininghealthycapitaladequacyratioforfuturegrowth.Thedividendof12%isrecommendedconsideringsubstantialinvestmentforupgradingtheHardwareafter8yearsand changing of robust software for Core Banking Solutions (CBS) to maintain CRAR.

Appropriation of ProfitAspersection62ofMulti-StateCo-operativeSocietiesAct,2002,balanceprofitfortheyear2016-17availablefor appropriation and distribution is `4732.14 lakhafter tax.Afteraddingbalanceprofit for theyear2015-16,theBoardofDirectors recommend thedistributionofprofitof` 4732.17 lakhunder section63ofMultiState Co-operativeSocietiesAct,2002asfollows:

`inLakh.

Particulars AmountReserveFund(25%) 1183.04Additional Reserve Fund for unforeseen losses (10%) 473.22Dividend 12% (Recommended) 811.23Charity Fund 25.00Software/HardwareUpgradation 10.00Members Welfare Fund 10.00Dividend Equalisation Fund 20.00Building fund 313.90Golden Jubilee Fund 5.00Cooperative Education Fund 47.32Staff/Members&EmployeesEducationalFund 10.00EX-Gratia&Bonus 583.44Investment Fluctuation Reserve 1240.00BalanceProfitC/F 0.02Total 4732.17

Capital Adequacy Capital Adequacy is capital required against the Risk Weighted Assets which according to RBI guidelines should be above 9% and preferably above 12% for Financially Sound and Well Managed Banks. The Banks CRAR as on 31.03.2017was19.33%reducedfrom20.43%ason31.03.2016.OutofthisTier–Icapitalconstitutes89.80%of CRAR. Higher percentage of Tier – I capital indicates bank’s preparedness for Basel – II or Basel – III norms, ifmadeapplicabletoUrbanCo-operativeBanks.

Branch ExpansionDuring the financial year, the Bank has opened fourteen new branches at (1) Panchvati, Nashik, (2) Malad(East),Mumbai,(3)Borivali(West),Mumbai,(4)Kanjurmarg,Mumbai,(5)Kalamboli,NaviMumbai,(6)Taloja,(7) Kolhapur, (8) Bhavani Peth, Pune, (9) Nere, Panvel, (10) Ghatkopar, Mumbai, (11) Chembur, Mumbai, (12) Talegaon, Pune, (13) Chakan, Pune, and (14) Alibag, Raigad. We have also opened one branch at Khopoli,

18

Raigadon22.05.2017,onebranchatPimpri,Puneon22.06.2017&onebranchatSangalion05.07.2017.Thishasresultedtotalbranchesto78.Remaining2branchesi.e.(1)MIDC,NaviMumbai,(2)Kharbav–Bhiwandi,ThanewillbeopenedbyJuly,2017.Thiswillamountto80branchesbyJuly,2017.

AsperAnnualBusinessPlanfor2017-18,RBIhasalsogivenapprovaltoopenelevennewbranchesinthefollowingcentres(1)Malad(W),Mumbai,(2)Sakinaka,Mumbai,(3)Digha,NaviMumbai,(4)NewPanvel,Raigad,(5)Pen,Raigad,(6)Ichalkaranji,Kolhapur,(7)Jaysingpur,Kolhapur,(8)DharampethNagpur,(9)LokmatSquare,Nagpur(10) Nippani, Karnataka and (11) Belgaum, Karnataka. This will bring the total network of 91 branches by the end of2018covering3states.WeareintherightdirectioninfulfillingBank’svisionofopening100branchesby2020.

During the year we have shifted some of Head Office departments like Centralised Clearing Department,CentralisedAccountOpeningandCentralisedInsuranceDepartmentlocatedat“SahakarmurtiGopinathShivramPatilBhavan”,HeadOffice,ParsikNagar,Kalwa,Thane–400605to“NashemanBuilding,1stfloor,StationRoad,Kalwa,Thane–400605.

Further we have shifted our Mankoli Branch premises and Airoli Sector – 1 Branch premises during the year. We havealsoopened3Off-siteATMsat(1)VidhyaPrasarakMandal,ThaneCollege,(2)CharaiTelephoneExchangePremisesand(3)WagleEstate,Thane.ThenewlyconstructedownbuildingatKoparkhairneSector–5willbereadyforshiftingshortly.Thiswilltakecareofneedforsufficientspaceforcustomersofthebranch.

Non Banking BusinessTo increase the non banking income, the bank has entered into Corporate Agency with TATA AIG, National Insurance CompanyandBajajAllianzGeneralInsuranceCo.Ltd.,forgeneralinsuranceandwithUTIInfrastructureServicesLtd.forissueofPANCard.ThebankalsoissuesPOSMachinestoourbusinesscustomers.

Risk ManagementTo identify,measure,manageandmitigatevariousbanking risks thebankhasestablisheda full-fledgedRiskManagementDepartmentatHeadOffice.Thisdepartmentmeasurestheriskandratethelargeborrowalaccountsfrom risk perspective at the time of sanctioning the credit facilities. The department also submits data on Market RisktotheAssetLiabilityManagementCommitteeofExecutivesonregularbasis.Thiswillhelpthecommitteeto recommend to the Board the change of interest rate on deposits and borrowing from time to time. The Risk Management Department also has created Key Risk Indicators (KRI) for various departments and branches to measureandmonitortheOperationalRiskoftheBank.

Foreign Exchange DepartmentTheBankhasreceivedForeignExchangeAD-IILicencefromRBI.Thishashelpedourcustomerstobuyandsellforeigncurrenciesfromallourbranches&toopenNREAccountsinselect18branches.

BCSBI The bank has taken membership of Banking Code and Standards Board of India. BCSBI conducts seminar and issue advise on “Customer Matters” and improving customer services across banking sector.

Technology Today advanced technology has become a necessity rather than privilege to compete in the market. Hence the bank has invested in various strategic technological products such as providing RuPay Debit Cards, RuPay EMV Cards,RuPayComboCards,RuPayPlatinumCard&RuPayInternationalCard,SMSBanking,MobileBankingthrough IMPSbyNational PaymentCorporation of India (NPCI), Internet Bankingwith fund transfer, e-lobbywhere in addition to all ATM functions this will also help to make cheque requisition, deposit cash and cheques andprintingofPassbooks.WehavealsostartedE-commercefacilitythroughInternetBanking.Bydownloadingour Mobile App the customers can transfer funds and make utility bill payments within seconds without visiting thebranches.ThebankhasalsorenewedISO27001–2013certificateduringtheyeartherebymaintainingthestandard of technology adoption at International level highly secured. To take preventive measures for Disaster Management the bank regularly takes mock trial at Disaster site Pune successfully. The bank has also appointed a

19

reputedfirmas“ITSecurityConsultant”toguideustopreventthreatsfromexternalsourcestoourITinfrastructure.ThebankhasalsoprovideddirectbenefittransferofLPGsubsidythroughAadharCardtoitscustomers.Thebankissendingvariouspreventivemessagestoitscustomersaboutnottoshareanyconfidentialinformationabouttheiraccountsalthoughitispretendedthattheinformationisrequiredbythebankofficials.

DuringtheyearRBIhaspermittedustoadoptUPI(UnifiedPaymentInterface)andBBPS(BharatBillPaymentSystem). Both are under Test with NPCI. Under UPI, by downloading Bank’s App the customers can transfer funds fromanybankthroughtheirMobilenumberwithoutvisitingbranches.BBPSisoperationalisedinJune,2017.Withthis APP you can make payment of Utility Bills directly without visiting branch or Utility provision within second. HoweverourCBSandDataCentreHardwareareveryold&needsreplacementtocopeupwiththelatestdigitalproducts.WehavedecidedtochangeHardwareatDataCentre&DRSiteduring2017-18.SinceCBSisveryoldandoutdated,wehavedecidedtochangeCBSduring2017-18.BothabovechangesrequirehugeCapitalInvestment. After completion of above project we will be able to provide latest digital banking services seamless at high speed. We are also taking steps to issue RuPay Credit Card as and when NPCI will come out with launching. Inthisyearwearegoing“FULLYDIGITAL”aheadofotherBanks.

Human Resources While implementationofexpansionplan, theBankshouldgrownotonlybynumberandfiguresbutalsowithquality. To cater the needs of the customers with growing branches and credit portfolio, the requirement of skilled humanresources isalsoemerged.Thesameisbeingmetoutwith therecruitmentofprofessionallyqualified,havingsubstantialandrelevantexperienceinbankingdomainatseniorlevelintheBank.

Incut-throatcompetitivescenariotheresponsibilityofkeepingtheexistingcustomersaswellasprovidingnewandadvanced services to growing customers is grossly on the strong shoulders of the human resource of the Bank. To enhancetheskillandefficiencyofthestaff/Officers,theBankhasmadearrangementfortrainingatHeadOfficeandcallingexpertsinthesubjectsfromoutside.TheBankalsodeputesthestaffandOfficersfortrainingatRBI`strainingcentersandothertraininginstitutionsestablishedforCo-operativeBanks`employees/Officers.

TheBankhasprepareddetailedManualofInstructionsonDeposits,Loans,Services,ITandAccountFunctionsatBranchesandHeadOffice.Wearealsointheprocessofimpartingtrainingtoallthestaffmembersofthebankin the coming year. This will enhance the knowledge and skill of the bank employees in the customer service and takingquickdecisions.Duringtheyear26trainingsessionscovering950staffand15externaltrainingcovering25officialswereconductedandorganizedondifferenttypesofsubjectsuchasKYC,ForexBusiness,SystemAudit,Creditmarketing,performanceappraisal,CleanNotePolicy,TeamBuilding,CustomerService,Mobile&InternetBankingetc.TheBankispublishingin-housemagazinenamed“Insight”withaviewtoextractthehiddentalentof the employees and also to share information regarding current events happening in the bank to its employees. The bank has maintained cordial relation with the employees. We are thankful to GP Parsik Bank Employees andOfficersAssociationforprovidingfullsupportandco-operationtoimprovecustomerserviceandproductivity.OurbanksCricketteamswonbothfirstandsecondprizeintheCricketTournamentorganisedbyKokanNagariSahakari Banks Association at Vasai.

Voluntary Retirement SchemeThe Bank and Banking Industry is undergoing change at a great speed. The manual Banking has become digital. HencebankcameoutwithVoluntaryRetirementSchemetotheemployeeswhowereabove50yearsofageandcompleted more than 20 years of services. As a result, the bank considered the applications of 12 employees to VRS.

PMJJY and PMSBYDuringtheyear6917accountholdersenrolledinPradhanmantriJeevanJyotiYojanaandoutofthis12claimsaresettled.11272accountholderssubscribedtoPradhanmantriSurakshaBimaYojana,outofwhich1claimissettled. Members are requested to take advantage of above schemes.

20

Corporate GovernanceThe success of the institution is depending upon its governance. The bank has established 4 Clusters of branches for effective branch control under the supervision of Assistant General Managers. The regular meetings of the HeadsofvariousdepartmentsatHeadOfficeandClusterHeadsareconductedtodealtheadministrativematters.ThemeetingsofALCOCommitteeoftheexecutivesoftheBankareconductedonregularbasis.TheBankhasformedanAuditCommitteeconsistingofthedirectorswhoareBankingExpertsaspertherequirementoftheRBI.Thesecommitteesmeetregularly.Thishashelpedinensuringtransparencyinfinancialstatementsandprotectingshareholder interest.

Appointment of Consultant The bank is growing rapidly. This necessitates proper planning and strategic decisions to mitigate the risks involved ingrowth.HencebankhasappointedShri.SatishUtekarasConsultantfortheBankfromMay,2017.Shri.SatishUtekarhasover35yearsofBankingexperienceandretiredasManagingDirector&CEOofTJSBBankLtd.

Corporate Social Responsibility(1) GP PARSIK BANK acknowledges its social responsibilities by donating permissible percentage of net

profittoSocialOrganisations.Duringtheyear,thebankdonated`18,25,000/-to16organizationswhoare committed for social causes.

(2) A Blood Donation Camp was organized on 7th November, 2016 at its Head Office, Kalwa, Thane, byGPParsikBanksEmployees&OfficersAssociation.

(3) The bank also organized Free Medical Check-up Camp for members above 45 years of age on 7thNovember,2016atitsHeadOffice,Kalwa,Thane.

(4) Thebankhasalsogivenfinancialhelpof`46,000/-to20studentsforeducationtothedependentsofthemembers.

(5) Thebankhasgiven`1,13,000/-to14shareholderstowardsmedicalassistanceduringtheyear.

(6) The Bank arranges cricket tournament every year for the employees. A limited overs Inter Bank Cricket Tournamentwasorganisedby“SahakarmurtiGopinathdadaPatilFoundation”inmemoryof‘LateGopinathPatil Saheb’. Total 16 Banks teams participated in Inter Bank Cricket Tournament. Reserve Bank of India wonfirstprizeandBasseinCatholicCo-operativeBankwonsecondprize.

(7) Thebankparticipatedandcontributingduring“TRAFFICSECURITYWEEK”atThaneeducatedriveronsafety measures.

(8) Afforestation:TheBank’sfounderChairman,LateShri.GopinathS.Patil,hadimmenselycontributedforenvironmental, social, educational and other important sectors. He has inspired many of his associates for forestation.AlongwiththemandwiththehelpofSahakarBazarKalwa,morethan1.5lakhtreesarebeingplanted on Parsik Hill. The bank has also planted trees on both sides of the road at Kalwa, Vitawa and Parsik Nagar which gives pleasant view to all of us. Today forestation is the necessity to contain Global Warming.

Inspection and AuditShri.V.WilliamRaju,GeneralManagerandChiefInspectingOfficer,RBI,Mrs.ShivaniYadavandShri.R.M.Shimpi,hiscolleagues,havecompletedinspectionofthebankfortheyear2015-16andhaveofferedvaluableguidance.For the year under review, StatutoryAuditorsM/s.Gogate &Co., have completed the statutory audit of theBankandhavegivenAuditClassification”A”.Bank`sConcurrent / InternalAuditors M/s.B.S.Korde&Co., M/sR.V.Baikar&Co.,M/s.A.V.Sable,M/s.S.S.Gadkari&AssociateandM/s.RahulN.Gharat&Co.,haveconductedConcurrent/internalauditoftheBankfortheyear.

No. of Branches under Concurrent Audit by CA Firms 26+1HeadOfficeNo. of Branches under Internal Audit by CA Firms 44InternalInspectionbyBankOfficials 71

21

Henceallbranches&HOdepartmentsarecoveredunderInspection/audit.

TheBoard ofDirectors recommendM/s.Gogate&Co., asStatutoryAuditors for the financial year 2017-18. TheresolutionfortheirappointmentwillbemovedunderAgendaitemNo.7ofthenotice.

DemonetisationThePrimeMinisterShri.NarendraModion8thNovember,2016declaredallexisting̀ 500and̀ 1000 denomination Currency Notes as not legal tender with immediate effect and asked the Banks to accept such currency into their accountsupto30.12.2016.SincevolumeofsuchSpecifiedBankNoteswasvery large,manycustomersandstaff had to undergo tremendous hardship. The staff of the bank worked more than 12 hours per day and whole heartedly supported the Prime Minister’s decision. The bank collected ̀ 789.91CroreinSpecifiedCurrencyNotesanddepositedthemwithRBI/CurrencyChest.Theinconveniencecausedtothecustomersduetolongqueuesis regretted. We thank all the staff members for their dedication during demonetisation period from 09.11.2016 to 31.12.2016bygoingextramileofcommitmentincustomersservice.

ObituaryWedeeplymournthedeathofShri.GopinathBaburaoPatil,DirectoroftheBankon16.05.2017.HewasDirectorof the bank since 2001 for about 16 years. His untimely death has caused immense loss to the bank. We also mourn the death of members, customers and well wishers who passed away during the year under report.

Achievements and Awards

(1) TheMaharashtraUrbanCo-OperativeBanksFederationhasgiven‘BestBank’Awardinthecategoryof Deposits of above `1,000/-croresBanksduring2015-16.Thebankhadgot thesameAwardfor the year2014-15also.

(2) The Bank received CSI IT 2020 award for Best Bank in Fraud and Information Security Initiative. (3) TheBankhasreceivedBFSITechnologyLeadershipAward-2016forBank’scontributioninInnovative technology initiative.

AcknowledgementOnbehalfofBoardofDirectors I take thisopportunity toexpress theirgratitude to themembers,depositors,borrowers and well wishers for their valued support for the progress of the bank. I would like to thank Directors fortheirvaluableguidance,supportandco-operationforoverallgrowthandprogressoftheBank.Onbehalfofthe Board of Directors, I would also like to thank Statutory Auditors and Internal Auditors for their guidance and contribution. The Board is very grateful for the valued support and guidance from Reserve Bank of India, Central RegistrarofCo.Op.Societies,NewDelhi,CommissionerofCo-operationandRegistrarofCo-operativeSocieties,MaharashtraState,Pune,NaviMumbai,Thane,KolhapurandRegistrarofCo-OperativeSocieties,KarnatakaState and Goa State we place on record our sincere thanks to Shri. Suresh B. Andhare, Assistant Registrar, Co-OperativeSocieties,Palghar,MaharashtraStateastheReturningOfficerwhoconductedtheelectionofBoardofDirectorsoftheBankinOctober–November,2016withdedication.TheBoardconveysitssincereappreciationtoall theExecutives,OfficersandEmployeesof theBankfor theirdedicatedservicesandcontribution intheprogress of the Bank.

Jai Hind, Jai Sahakar !

For and on behalf of the Board of Directors

Ranjit Gopinath PatilChairman.

22

GOGATE&CO.

CHARTEREDACCOUNTANTS

OfficeNo.107,1stfloor,PunitApartments,Opp.ModiGanpatiMandir,526,Narayan Peth, Pune – 30.

INDEPENDENT AUDITOR’S REPORT(Under Section 31 of The Banking Regulation Act 1949 and Section 73 (4) of the

Multi State Co-op Societies Act 2002 and Rule 27 of Multi State Co-op Societies Rules 2002)

ToThe Members,GopinathPatilParsikJanataSahakariBankLtdKalwa, Thane

Report on the Financial Statements

1. Wehaveauditedtheaccompanyingfinancialstatementsofthe‘GopinathPatilParsikJanataSahakariBankLtd’whichcomprisetheBalanceSheetasat31stMarch,2017andtheStatementofProfitandLossandthecashflowstatementfortheyearthenendedandasummaryofsignificantaccountingpoliciesandotherexplanatoryinformation.Incorporatedinthesefinancialstatementsarethereturnsofall75branchesandHeadofficeauditedbyus.

Management’s Responsibility for the Financial Statements

2. ManagementisresponsibleforthepreparationofthesefinancialstatementsinaccordancewithBankingRegulationAct1949(AACS)andMultiStateCo-op.SocietiesAct2002.Thisresponsibilityincludesthedesign,implementationandmaintenanceofinternalcontrolrelevanttothepreparationofthefinancialstatements that are free from material misstatement, whether due to fraud or error.

Auditor’s Responsibility

3. Our responsibility is to express an opinion on these financial statements based on our audit. Weconducted our audit in accordance with the Standards on Auditing issued by the Institute of Chartered Accountants of India. Those Standards require that we comply with ethical requirements and plan and performtheaudittoobtainreasonableassuranceaboutwhetherthefinancialstatementsarefreefrommaterial misstatement.

4. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures inthefinancialstatements.Theproceduresselecteddependontheauditor’s judgment, includingtheassessmentoftherisksofmaterialmisstatementofthefinancialstatements,whetherduetofraudorerror. In making those risk assessments, the auditor considers internal control relevant to the Bank’s preparationandfairpresentationofthefinancialstatementsinordertodesignauditproceduresthatareappropriate in the circumstances. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of the accounting estimates made by management, as well as evaluatingtheoverallpresentationofthefinancialstatements.

5. Webelievethattheauditevidencewehaveobtainedissufficientandappropriatetoprovideabasisforour audit opinion.

23

Opinion

6. SubjecttoourcommentsandobservationcontainedinpartA,BandCoftheAuditMemorandum(HOreport and Branch reports ) enclosed herewith, In our opinion and to the best of our information and accordingtotheexplanationsgiventous,thesaidaccountstogetherwiththenotesthereongivetheinformationrequiredbytheBankingRegulationAct,1949(AACS)aswellasMultiStateCo-op.SocietiesAct 2002, 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) inthecaseoftheBalanceSheet,ofthestateofaffairsoftheBankasat31stMarch,2017;

(ii)inthecaseoftheProfitandLossAccountoftheprofitfortheyearendedonthatdate;and

(iii)inthecaseoftheCashFlowStatement,ofcashflowsfortheyearendedonthatdate.

Report on Other Legal and Regulatory Matters

7. The Balance Sheet and the Profit and LossAccount have been drawn up in accordance with theprovisions of Section 29 of the Banking Regulation Act, 1949 (AACS)

8.SubjecttoourcommentsandobservationscontainedintheAuditReportofevendatewereportthat:

(a) TheSchedulesgivingtheparticularsreferredtoinRule27(3)ofMultiStateCo-operativeSocietiesRules2002totheextentapplicableareattachedtoreport;

(b) Wehaveobtainedall theinformationandexplanationswhich,tothebestofourknowledgeandbelief,werenecessaryforthepurposeofourauditandhavefoundthemtobesatisfactory;

(c) The transactions of the Bank, which have come to our notice, have been within the powers of the Banksubjecttoourcommentswherevermadeintheauditreport;

(d) In our opinion and according to the information given to us, there has been no material impropriety orirregularityintheexpenditureorintherealizationofmoneyduetothebank;

(e) TheBalanceSheetandProfitandLossAccountdealtwithbythisreportareinagreementwiththebooksofaccountandthereturns;

(f) In our opinion, proper books of account as required by law have been kept by the Bank so far as appearsfromourexaminationofthosebooks;

(g) The returns received from the branches of the Bank have been found adequate for the purposes of our audit.

9. Inouropinion,theBalanceSheet,ProfitandLossAccountandCashFlowStatementcomplywiththeapplicable Accounting Standards issued by Institute of Chartered Accountants of India.

For Gogate and Co. Chartered Accountants FRN (124144W)Place: Kalwa, Thane CA U V GogateDate : 7th June, 2017 Partner M. No. (109574)

24

PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH, 2017efoveebkeÀ 31 cee®e&, 2017 DeKesj veHeÀe-leesìe He$ekeÀ

EXPENDITURE / Ke®e& SCHEDULE 31st MARCH 31st MARCH

HeefjefMe<ì 2017 2016 ` `

INTERESTPAIDONDEPOSITS/BORROWINGS/

þsJeer Je keÀpee&Jejerue efouesues J³eepe 1 16903.11 14749.47

SALARYANDALLOWANCES/ veeskeÀjJeiee&®ee Heieej, Yelles 2 4227.57 3691.59

BOARDOFDIRECTORSFEES/meb®eeuekeÀeb®es efceìeRie Yelles 5.22 4.17

RENT,RATES,TAXES&INSURANCE/ Yee[s, keÀj Je efJecee 3 1368.00 1168.95

LEGAL&PROFESSIONALFEES/keÀe³eoe Je J³eeJemeeef³ekeÀ le%eeb®es MegukeÀ 86.41 77.27

POSTAGE&TELEPHONEEXPENSES/ìHeeue,leej Je ìsefueHeÀesve Ke®e& 4 191.60 133.90

AUDITFEES/ efnMesye leHeemeCeer MegukeÀ 77.46 56.29

DEPRECIATIONONFIXEDASSETS/ ceeuecellesJejerue Iemeeje 5 937.18 795.44

PRINTING,STATIONERY&ADVERTISEMENTEXPENSES/

íHeeF&, uesKevemeeceie´er Je peeefnjele Ke®e& 6 334.33 307.11

CONTRACTUALEXPENSES/keÀe@vì^@keÌ®egDeue Ke®e& 140.33 137.95

MISCELLANEOUSEXPENSES/meJe&meeOeejCe Ke®e& 7 886.36 715.52

PROVISIONS/lejletoer 8 1680.50 1716.69

BADDEBTSWRITTENOFF/yeg[erle keÀpe& efveuexefKele 148.27 411.52

PROVISIONFORINCOMETAX/Dee³ekeÀj lejleto 2170.00 1600.00

DEFERREDTAXLIABILITY/ ef[HeÀ[& ì@keÌme uee³eefyeueerìer 50.52 0.00

NETPROFITTRANSFERREDTOBALANCESHEET/efveJJeU veHeÀe 4732.14 3206.63

TOTAL / SketÀCe ` 33939.00 28772.50

Place : Parsik Nagar, As per my report of even dateKalwa,Thane-400605. M/s Gogate & Co. M/s B.S.Korde & Co.Date:7thJune2017 CharteredAccountants CharteredAccountants Sd/- Sd/- CA U. V. Gogate CA B. S. Korde Partner Proprietor (MemberNo109574) (MemberNo14688) FRN.124144W FRN.125532W (Statutory Auditor) (Internal Auditor)

( `inLakhs)

25

PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH, 2017efoveebkeÀ 31 cee®e&, 2017 DeKesj veHeÀe-leesìe He$ekeÀ

INCOME / Ke®e& SCHEDULE 31st MARCH 31st MARCH

HeefjefMe<ì 2017 2016 ` `

INTERESTRECEIVEDONLOANS&INVESTMENTS/

efceUeuesues J³eepe - keÀpee&Jejerue Je þsJeeRJejerue 9 30139.84 26874.04

DIVIDENDONSHARES/MesDeme&Jejerue ueeYeebMe 0.41 1.53

COMMISSION/keÀefceMeve 10 294.04 217.05

SHARETRANSFERFEE/Yeeie nmleeblejCe MegukeÀ 0.03 0.02

LOCKERRENT&SAFECUSTODYCHARGES/

uee@keÀj Yee[s Je mesHeÀ keÀmì[er 81.97 73.29

OTHERINCOME/Flej GlHevve 11 358.61 273.27

EXCESSPROV.WRITTENBACK/peeoe lejleto HejleeJee 0.74 483.51

PROFITONSALEOFDEADSTOCK/[s[mìe@keÀ efJeke´ÀerJejerue veHeÀe 2.70 2.49

PROFITONINVESTMENTSOLD/ iegbleJeCetkeÀ efJeke´ÀerJejerue veHeÀe 2886.60 392.79

BADDEBTSPROV.WRITTENBACK/

yegef[le Je mebMeef³ele keÀpe& efveOeerleerue HejleeJee 148.27 411.52

BADDEBTSWRITTENOFFRECOVERED/

efveefue&efKele yegef[le keÀpe& Jemegueer 25.79 39.78

DEFERREDTAXASSETS/ ef[HeÀ[& ì@keÌme De@mesì 0.00 3.21

TOTAL / SketÀCe ` 33939.00 28772.50

For Gopinath Patil Parsik Janata Sahakari Bank Ltd.,

Shri. Ranjit G. Patil Shri. Narayan G. Gawand Shri. Sadanand K. Nayak

Chairman Vice Chairman C.E.O

( `inLakhs)

26

( `inLakhs)

Schedules Forming Part of Profit & Loss Accounts for the year ended 31st March, 2017efoveebkeÀ 31 cee®e&, 2017 DeKesj veHeÀe leesìe He$ekeÀe®eer HeefjefMe<ì

SCHEDULE / HeefjefMe<ì 31st March 31st March 2017 2016 ` `

SCHEDULE - 1 INTEREST PAID ON DEPOSITS / BORROWINGS / HeefjefMe<ì 1. þsJeer Je keÀpe&ebJejerue J³eepeINTERESTPAIDONDEPOSITS/þsJeerJejerue efouesues J³eepe 16903.11 14749.47TOTAL / SketÀCe ` 16903.11 14749.47

SCHEDULE - 2 SALARY & ALLOWANCES / HeefjefMe<ì 2. veeskeÀjJeiee&®ee Heieej, Yelles STAFFSALARY&ALLOWANCES/veeskeÀjJeie& Heieej Je Yelles 3738.83 3207.72STAFFPROVIDENTFUNDCONTRIBUTION/veeskeÀjJeie& YeefJe<³e efveOeer DebMeoeve 318.29 291.52PROVIDENTFUNDCHARGES/He´e@Jner[b[ HebÀ[ ®eepexme 19.04 25.87STAFFTRAININGCHARGES/mesJekeÀ He´efµe#eCe Ke®e& 5.14 3.34LABOURWELFARECHARGES/uesyej JesueHesÀDej Ke®e& 0.39 0.35STAFFINSURANCE/keÀce&®eejer efJecee 64.44 65.27GRATUITYCONTRIBUTION(L.I.C)/mesJee Jesleve efveOeer (Sue.Dee³e.meer.) 81.44 97.52TOTAL / SketÀCe ` 4227.57 3691.59

SCHEDULE - 3 RENT, RATES, TAXES & INSURANCE / HeefjefMe<ì 3. Yee[s, keÀj Je efJeceeRENT,RATES&TAXES/Yee[s Je keÀj 766.26 635.34INSURANCE/efJecee 301.53 247.95PROFESSIONTAX/J³eJemee³ekeÀj 0.03 0.03ELECTRICITYCHARGES/ efJepes®es efyeue 297.70 283.19WATERCHARGES/HeeC³ee®es efyeue 2.48 2.44TOTAL / SketÀCe ` 1368.00 1168.95

SCHEDULE - 4 POSTAGE & TELEPHONE EXPENSES / HeefjefMe<ì 4. ìHeeue, leej Je ìsefueHeÀesve Ke®e& POSTAGE/Heesmìspe Ke®e& 4.50 4.97TELEPHONEEXPENSES/ìsefueHeÀesve Ke®e& 31.49 30.30LEASELINEANNUALCHARGES/efuePe ueeF&ve Jeeef<e&keÀ ®eepexme 155.61 98.63TOTAL / SketÀCe ` 191.60 133.90

SCHEDULE - 5 DEPRECIATION ON FIXED ASSETS / HeefjefMe<ì 5. ceeuecellesJejerue IemeejeBUILDING/Fceejle 220.20 210.95VEHICLE/Jeenve 26.74 20.22FURNITURE&FIXTURES/HeÀefve&®ej Je efHeÀkeÌ®ej 252.54 200.67LIBRARY/ Jee®eveeue³e 0.12 0.10 COMPUTER/mebieCekeÀ 437.58 363.50TOTAL / SketÀCe ` 937.18 795.44

SCHEDULE - 6 PRINTING, STATIONERY & ADVERTISEMENT EXPENSES / HeefjefMe<ì 6.íHeeF&, uesKevemeeceie´er Je peeefnjele Ke®e& PRINTING&STATIONERYEXPENSES/ íHeeF& Je }sKevemeecegie´er Ke®e& 153.69 96.56ADVERTISEMENTS/ peeefnjele 161.28 188.59SAHAKAR&PRACHAR/ menkeÀej Je He´®eej 19.36 21.96TOTAL / SketÀCe ` 334.33 307.11

SCHEDULE - 7 MISCELLENEOUS EXPENCES / HeefjefMe<ì 7. meJe&meeOeejCe Ke®e& SERVICETAX/meefJn&me ì@keÌme 125.03 99.58DEADSTOCKWRITEOFF/ [s[ mìe@keÀ jeF&ì Dee@HeÀ 1.07 15.82LBT/ Sueyeerìer 0.83 0.61TRAVELLINGEXPENSES/He´Jeeme Ke®e& 10.46 8.06VEHICLEEXPENSES/Jeenve Ke®e& 26.52 23.05MISC.OFFICEEXPENSES/ efkeÀjkeÀesU keÀe³ee&ue³eerve Ke®e&, 117.20 106.57REPAIRS&MAINTENANCE/ efkeÀjkeÀesU ogjÀmleer 26.71 14.54SPECIAL/ANNUALGENERALMEETINGEXP./Jeeef<e&keÀ / efJeMes<e meJe&meeOeejCe meYee Ke®e& 2.98 10.46SERVICINGCHARGES/meefJn&efmebie ®eepexme 218.01 160.72MICRCHEQUEPROC.CHARGES/ cee³ekeÀj ®eskeÀ He´esmesefmebie ®eepexme 25.24 20.73

27

( `inLakhs)

SCHEDULE / HeefjefMe<ì 31st March 31st March 2017 2016 ` `SECURITYSERVICECHARGES/efmeke̳egjerìer meefJn&me ®eepexme 221.38 155.21ATMCARDCHARGES/S.ìer.Sce.keÀe[& ®eepexme 27.78 30.56CCILMEMBERSHIPFEE/meermeerDee³eSue cebsyejefMeHe HeÀer 0.53 0.97BRANCHOPENINGEXPENSES/MeeKee GodIeeìve Ke®e& 14.74 25.62COMPUTERLICENSERENEWAL/ mebieCekeÀ uee³emevme vegleveerkeÀjCe 7.04 17.70CCILSETTLEMENTCHARGES/efme. efme. Dee³e. Sue. meWìueceWì ®eepexme 23.13 11.75ADVISORYCHARGES/meuueeieej ®eepexme 4.92 0.87IMPSCHARGES/ Dee³e. Sce.d Heer. Smed. ®eepexme 0.13 0.19SWACHHBHARATCESS/mJe®í Yeejle mesme 9.66 2.76KRISHIKALYANCESS/ keÉÀ<eer keÀu³eeCe mesme 4.73 0.00ELECTIONEXPENSES/celeoeve Ke®e& 3.07 0.00OTHERBANKCHARGES/Flej yeBkeÀ ®eepexme 2.50 0.00CIBILCHARGES/efmeefyeue ®eepexme 0.19 0.00LOSSONAMORTIZATIONGSECHTM/(HTM)mejkeÀejer jesK eeleerue Iemeeje 11.92 9.75COMMISIONONUTILITYBILLPAYMENT/efJeefJeOe mesJeeb® ee efyeueebJejerue keÀefceMeve 0.59 0.00TOTAL / SketÀCe ` 886.36 715.52

SCHEDULE - 8 PROVISIONS / HeefjefMe<ì 8. lejletoerSTAFFWELFAREFUND/mesJekeÀ keÀu³eeCe efveOeer 0.00 20.00DEPRECIATIONOFGSECAFS/HFT/peermeskeÀ SSHeÀSme /S®eSHeÀìer Jejerue Iemeeje 0.00 4.29AMOUNTPROVIDEDFORBAD&DOUBTFULDEBTS/ yegef[le Je mebMeef³ele keÀpe& efveOeer lejleto 1400.00 1200.00STANDARDASSETPROVISION/GlHeeokeÀ efpeboieermeeþer mebYeeJ³e lejleto 0.00 80.00VOLUNTARYRETIREMENTSCHEME/ mJes®íe efveJe=lleer ³eespevee 0.00 30.00CONTINGENTPROV.AGAINSTINVESTMENTINDEPRECIATION/ iegbleJeCetkeÀ Iemee-³eeJejerue DeekeÀefmcekeÀ lejleto 142.57 316.18SPECIALRESERVEFUND(Section36(1)(viii)ofITAct.,1961)mHesMeue efjPeJn& HebÀ[ (Section36(1)(viii)ofITAct.,1961) 75.00 66.22IMPAIREDASSETRESERVEAGAINSTNONBANKING/yeBkeÀerie J³eefleefjkeÌle leey³eele Demeuesu³ee ceeuecelleskeÀjerlee jeKeerJe efveOeer 62.93 0.00TOTAL / SketÀCe ` 1680.50 1716.69

SCHEDULE - 9 INTEREST RECEIVED ON LOANS & INVESTMENTS / HeefjefMe<ì 9. efceUeuesues J³eepe - keÀpee&Jejerue Je þsJeeRJejerueLOANS/ keÀpee&Jejerue 20097.75 17025.59DEPOSITS&INVESTMENTS/þsJeer Je iegbleJeCetkeÀerJejerue 10042.09 9848.45TOTAL / SketÀCe ` 30139.84 26874.04

SCHEDULE - 10 COMMISSION / HeefjefMe<ì 10. keÀefceMeveB.D.COMMISSION/yeer. [er. Jejerue keÀefceMeve 2.29 4.81INSURANCECOMMISSION/ efJecee keÀefceMeve 24.44 26.02OTHER/Flej 265.95 185.22ATMCARDCOMMISSION/ S. efì. Sce. keÀe[& keÀefceMeve 1.34 0.80PANCARDCOMMISSION / He@ve keÀe[& keÀefceMeve 0.02 0.02COMMISSIONONUTILITYBILLPAYMENT/ efJeefJeOe mesJeeb® ee efyeueebJejerue keÀefceMeve 0.00 0.18TOTAL / SketÀCe ` 294.04 217.05SCHEDULE - 11 OTHER INCOME / HeefjefMe<ì 11. Flej Glhevve. PROCESSINGCHARGES/He´esmesefmebie ®eepexme 83.30 88.21ECS/NEFTPROCESSINGCHARGES/F. efme. Sme / Sve. F. SHeÀ. ìer He´esmesefmebie ®eepexme 2.80 2.42CIBILCHARGES/efmeefyeue ®eepexme 0.00 1.39CERSAICHARGES/mejmeeF& ®eepes&me 11.57 2.04RETURNBACKIMPAIREDASSET/ efjìve& ye@keÀ FcHesDe[& De@mesì 0.00 0.10MISCRECEIPTS/efkeÀjkeÀesU pecee 45.79 9.17SERVICECHARGES&OTHERS/meefJn&me ®eepexme Je Flej 184.66 169.94RBIREVERSEREPOINTERESTINCOMEA/C/DeejyeerDee³e efjPeJn& jshees J³eepe GlHeVe Keeles 8.24 0.00INTERESTONINCOMETAXREFUND/ Dee³ekeÀj hejleeJ eeJejerue J³eepe 22.25 0.00TOTAL / SketÀCe ` 358.61 273.27

28

CAPITAL & LIABILITIES / Yeeie Yeeb[Jeue Je osCeer SCHEDULE 31st MARCH 31st MARCH

HeefjefMe<ì 2017 2016 ` `

SHARECAPITAL/Yeeie Yeeb[Jeue A 7362.14 6394.44

RESERVEFUND&OTHERRESERVES/iebieepeUer Je Flej efveOeer B 34618.00 31411.85

AMORTISATIONRESERVE/De@cee@ìe&³ePesMeve efjPeJn& 0.00 799.01

DEPOSITS/þsJeer C 297978.32 244545.25

BILLSFORCOLLECTION(AsperContra)/

Jemetueer®eer efyeues veeJes yeepetHe´ceeCes 0.45 7.32

INTERESTPAYABLEONDEPOSITS/ osCes Demeuesues J³eepe þsJeeRJejerue 9323.18 7579.72

OTHERLIABILITIES/Flej osCeer D 8465.48 12096.19

OVERDUEINTRESERVE(NPA)(AsperContra)/

LekeÀerle J³eepe lejleto (veeJes yeepet He´ceeCes) 720.67 615.14

BRANCHADJUSTMENT/MeeKee pegUJeCeer 0.00 138.94

CURRENTYEARPROFIT/®eeuet Je<ee&®ee veHeÀe E 4732.17 3206.66

TOTAL / SketÀCe ` 363200.41 306794.52

CONTINGENTLIABILITIES/ mebYeeJ³e osCeer M 5358.95 5053.80

Place : Parsik Nagar, As per my report of even dateKalwa,Thane-400605. M/s Gogate & Co. M/s B.S.Korde & Co.Date:7thJune2017 CharteredAccountants CharteredAccountants Sd/- Sd/- CA U. V. Gogate CA B. S. Korde Partner Proprietor (MemberNo109574) (MemberNo14688) FRN.124144W FRN.125532W (Statutory Auditor) (Internal Auditor)

BALANCE SHEET AS AT 31st March, 2017efoveebkeÀ 31 cee®e&, 2017 DeKesj leeUsyebo He$ekeÀ ( `inLakhs)

29

PROPERTY & ASSETS / ceeuecellee Je ³esCeer SCHEDULE 31st MARCH 31st MARCH

HeefjefMe<ì 2017 2016 ` `

CASH/jesKe F 21154.36 14744.53

BALANCESWITHOTHERBANKS/yeBkesÀleerue efMeuuekeÀ G 32635.48 27071.38

MONEYATCALL&SHORTNOTICE(CBLO)/

ceeieCeer ³eesi³e jesKes (ceveer De@ì keÀe@ue) 14993.60 9293.84

INVESTMENTS/ iebgleJeCetkeÀ H 98081.95 81367.67

ADVANCES/efouesueer keÀpex I 177691.03 154756.43

INTERESTRECEIVABLE/³esCes J³eepe J 5445.67 3998.98

FIXEDASSETS/keÀe³ece Je mLeeJej ceeuecellee K 6117.41 4499.54

OTHERASSETS/Flej efpeboieer L 6358.44 9640.68

BILLSRECEIVABLE(AsperContra)/ Jemetueer®eer efyeues (osCes yeepet He´ceeCes) 0.45 7.32

NPAINT.R’BLE(AsperContra)/LekeÀerle J³eepe lejleto (osCes yeepet He´ceeCes) 720.67 615.14

COSTOFACQUISITION(ICHALKARANJIMAHILASAHAKARIBANKLTD)/

keÀe@mì Dee@HeÀ De@efkeÌJePeerMeve (F®euekeÀjbpeer ceefnuee menkeÀejer yeBkeÀ efue.) 0.00 799.01

BRANCHADJUSTMENT/MeeKee pegUJeCeer 1.35 0.00

TOTAL / SketÀCe ` 363200.41 306794.52

For Gopinath Patil Parsik Janata Sahakari Bank Ltd.,

Shri. Ranjit G. Patil Shri. Narayan G. Gawand Shri. Sadanand K. Nayak

Chairman Vice Chairman C.E.O

BALANCE SHEET AS AT 31st March, 2017efoveebkeÀ 31 cee®e&, 2017 DeKesj leeUsyebo He$ekeÀ ( `inLakhs)

30

Schedules Formating Part of Balance Sheet as at 31st March, 2017.efoveebkeÀ 31 cee®e&, 2017 DeKesj leeUsyebo he$ekeÀe®eer heefjefMe<ì.

SCHEDULE / HeefjefMe<ì 31st March 31st March 2017 2016 ` `

SCHEDULE A - SHARE CAPITAL / HeefjefMe<ì - A Yeeie Yeeb[Jeue AUTHORISED SHARE CAPITAL / DeefOeke=Àle Yeeie Yeeb[Jeue 50,000.00 50,000.00 (100000000 Shares of `50/-each)/(He´l³eskeÀer `50/-®es 100000000 MesDeme&)

ISSUED SUBSCRIBED & PAID UP CAPITAL / Jemetue Peeuesues Yeeie Yeeb[Jeue 7,362.14 6,394.4414724274Sharesof`50/-each/(He´l³eskeÀer `50/-®es14724274MesDeme&) (PreviousYear12788874Sharesof`50/-each)/(ceeieerue Je<eea - He´l³eskeÀer `50/-®es12788874MesDeme&) INDIVIDUALS/Jew³eefkeÌlekeÀ 6120.10 OTHERS/Flej 1242.04 CO-OPINSTITUTION/menkeÀejer mebmLee --

SCHEDULE B- RESERVE FUND & OTHER RESERVES / HeefjefMe<ì - B iebieepeUer Je Flej efveOeer RESERVEFUND/ iebieepeUer 8,281.31 7,460.00BUILDINGFUND/Fceejle efveOeer 5,708.79 5,539.19DIVIDENDEQUI.FUND/ueeYeebMe meceerkeÀjCe efveOeer 605.14 595.14BAD&DOUBTFULDEBTSRESERVE/mebµeef³ele Je yeg[erle keÀpe& efveOeer 9,126.25 7,874.52CONTINGENTPROVISIONAGAINSTSTANDARDASSETS/GlHeeokeÀ efpeboieermeeþer mebYeeJ³e lejleto 855.00 855.00MEMBERSWELFAREFUND/meYeemeo keÀu³eeCe efveOeer 322.17 320.31EMPLOYEESWELFAREFUND/mesJekeÀ keÀu³eeCe efveOeer 99.60 101.15CHARITYFUND/Oece&oe³e efveOeer 214.83 201.01DIRECTORSTRAININGFUND/meb®eeuekeÀ He´efMe#eCe efveOeer 25.77 33.57VOLUNTARYRETIREMENTFUND/mJes®íe efveJe=lleer ³eespevee 220.82 220.82CONTIGENCYRESERVE/efJeMes<e DeekeÀefmcekeÀ efveOeer 3,946.19 3,846.19INVESTMENTFLUCTATIONRESERVE(IFR)/iegbleJeCetkeÀ ®e{Gleej efveOeer (Dee³eSHeÀDeej) 1,944.18 1,744.18INVESTMENTDEPRECIATIONRESERVE(IDR)/iegbleJeCetkeÀ Iemeeje efveOeer (Dee³e.[er.Deej.) 283.57 140.99UPGRADATIONOFSOFTWARE/HARDWAREFUND/DeHeie´s[ mee@HeÌìJesDej / ne[&JesDej HebÀ[ 1,005.00 985.00GOLDENJUBILEEFUND/megJeCe& ceneslmeJe efveOeer 150.00 135.00IMPAIREDASSETSRESERVE(TRF-ICH)/FcHesDeme& De@mesìmed efjPeJn& (TRF-ICH) 4.10 4.10SPECIALRESERVEFUND/mHesMeue efjPeJn& HebÀ[ (Section36(1)(viii)ofITAct,1961) 802.31 727.31ELECTIONFUND/efveJe[CegkeÀ HebÀ[ 0.00 4.00EDU.FUNDFORMEMBERS,DIRECTORS,EMPLOYEES/efMe#eCe efveOeer (meb®eeuekeÀ, meYeemeo, mesJekeÀ) 90.59 75.59ADDL.RESFUNDFORUNFORSEENLOSSES/DeekeÀefmcekeÀ leesìe jeKeerJe efveOeer 869.45 548.78IMPAIREDASSETSRESERVE-NONBANKING/yeBkeÀeRie J³eefleefjkeÌle leey³eele Demeuesu³ee ceeuecelleskeÀjerlee jeKeerJe efveOeer. 62.93 0.00

TOTAL / SketÀCe ` 34,618.00 31,411.85

( `inLakhs)

31

SCHEDULE / HeefjefMe<ì 31st March 31st March 2017 2016 ` `

SCHEDULE C - DEPOSITS / HeefjefMe<ì - C þsJeer REINVESTMENT/oeceogHHeì þsJeer 83,913.23 67,172.08 FIXEDDEPOSIT/cegole þsJe Keeles 20,051.93 19,546.34 MONTHLYINTERESTDEPOSIT/ceeefmekeÀ J³eepe þsJe 24,720.01 22,085.57 QUARTERLYINTERESTDEPOSIT/efleceener J³eepe ³eespevee 13,047.42 8,467.04 RECURRINGDEPOSIT/DeeJele& þsJeer 3,167.10 2,890.99 DAILYDEPOSITSCHEME/DeuHe ye®ele efvel³eefveOeer 106.49 15.48 SMALLSAVINGDEPOSIT/DeuHe ye®ele þsJeer ³eespevee 5.47 1.42 CURRENTA/CINDIVIDUAL/ ®eeuet þsJeer Jew³eefkeÌlekeÀ 29,023.49 22,470.29 CURRENTA/CSOCIETY/ ®eeuet þsJeer mebmLee 1,314.26 964.03 SAVINGA/CINDIVIDUAL/ye®ele þsJeer Jew³eefkeÌlekeÀ 115,028.73 95,219.60 SAVINGA/CSOCIETY/ ye®ele þsJeer mebmLee 2,586.00 2,348.35 MATUREDDEPOSIT/cegole mebHeuesu³ee þsJeer 5,014.19 3,364.06

TOTAL / SketÀCe ` 297,978.32 244,545.25

SCHEDULE D- OTHER LIABILITIES / HeefjefMe<ì - D Flej osCeer UNPAIDDIVIDEND/ceeieCeer ve kesÀ}s}e }eYeebµe 82.81 61.08AUDITFEESPAYABLE/efnMesye leHeemeveerme HeÀer 24.45 15.81SUNDRYCREDITORS/efkeÀjkeÀesU osCeer 385.55 284.51SHARESUSPENSE/MesDeme& Deveecele 19.60 26.22SUNDRYRECEIPTS/efkeÀjkeÀesU pecee 9.62 6.13SERVICETAXPAYABLE/meefJn&me ì@keÌme 0.22 0.13LOCKERRENT/uee@keÀj Yee[s 48.20 48.05RETENTIONMONEY/efjìsvMeve ceveer 58.64 49.42T.D.S./ìer.[er.Sme. 97.10 78.17PROVISIONFORLEAVEENCASHMENT/Deefpe&le jpee Heieej 139.46 0.00BONUS&EX.GRATIA/yeesveme Je meevegie´n Devegoeve 0.00 0.27ANAMATACCOUNT/Deveecele Keeles 42.13 6.25R.C.PENDINGENTRIESPAYABLE/Deej.meer.HeW[eRie Svì^er HesSyeue 7.30 8.41EDUCATIONFUND/efµe#eCe efveOeer 25.30 25.30INCOMETAXPROVISION/Dee³ekeÀj lejleto 5,528.72 8,862.10PAYORDER/Hes Dee@[&j Keeles 1,369.84 2,214.61ICHALKARANJIBANKSHARES/meYeemeo Yeeie Yeeb[Jeue - F®euekeÀjbpeer 141.31 141.31GRATUITYFUND/mesJee Jesleve efveOeer 62.75 0.00N.F.S./POS/IMPS/ABB-NEFT/RTGSSETTLEMENT/Sve. SHeÀ. Sme./H eer. Dees. Sme./Dee³e. Sce. Heer. Sme./S. yeer. yeer. - Sve F SheÀ ìer/Deej ìer peer Sme mesìueceWì 16.61 33.69POSSETTLEMENT(RUPAY)/©Hes. Hee@me mesìueceWì 59.65 9.26TDINTECS/NEFT/ìer. [er. J³eepe F. efme. Sme / Sve. F. SHeÀ. ìer 10.58 0.48DEFFEREDTAXLIABILITY/ef[HeÀ[& ì@keÌme uee³eefyeueerìer 260.73 210.22BORROWERNOMINALMEMBER/keÀpe&oej vee@efceveue meYeemeo 5.31 5.71GUARANTORNOMINALMEMBER/peeefceveoej vee@efceveue meYeemeo 4.16 3.60INSPREMIUMFROMSALARY/Heieejeleerue efJecee nHlee 5.08 5.36NEFT/Sve. F. SHeÀ. ìer. 0.00 0.10

( `inLakhs)

32

SCHEDULE / HeefjefMe<ì 31st March 31st March 2017 2016 ` `

ADVANCELOCKERRENT/DeeieeT uee@keÀj Yee[s 0.44 0.00 BBPSSETTLEMENTA/C/yeer.yeer.Heer. Smed mesìuecesbì 1.18 0.00WORKCONTRACTTAX/JekeÀ& keÀe@vì^keÌì ì@keÌmed 4.13 0.00 FAMILYPENSION/kegÀìgbye HesvMeve 8.24 0.00PROVIDENTFUND/YeefJe<³e efveJee&&n efveOeer 46.37 0.00

TOTAL / SketÀCe ` 8,465.48 12,096.19

SCHEDULE E- PROFIT & LOSS A/C / HeefjefMe<ì - E veHeÀe - leesìe PROFITASPERLASTBALANCESHEET/ceeieerue Je<ee&®ee veHeÀe ë 3,206.63 3,066.08LESS:APPROPRIATIONS/Jepee- veHeÀe JeeìCeer RESERVEFUND25%/efjPeJn& HebÀ[ 25% 801.66 766.52ADDITIONALRESERVEFUND10%/Jee{erJe jeKeerJe efveOeer 10% 320.67 306.61DIVIDENDTOSHAREHOLDERS/YeeieOeejkeÀebme ueeYeebMe 859.21 744.99ELECTIONFUND/efveJe[CegkeÀ HebÀ[ 14.00 2.00 CHARITABLEFUND/Oece&oe³e efveOeer 32.07 30.66MEMBERSWELFAREFUND/meYeemeo keÀu³eeCe efveOeer 10.00 30.00 DIVIDENDEQUALISATIONFUND/ueeYeebMe meceeveerkeÀjCe efveOeer 10.00 60.00 CONTINGENCYRESERVES/DeekeÀefmcekeÀ efveOeer 100.00 100.00 BUILDINGFUND/Fceejle efveOeer 169.60 306.96 EDUCATIONFUND-MEMBERS,DIRECTORS/efMe#eCe efveOeer - meYeemeo, meb®eeuekeÀ 32.07 30.66GOLDENJUBILEEFUND/megJeCe& ceneslmeJe efveOeer 15.00 25.00SOFTWARE/HARDWAREUPGRADATION/mee@HeÌìJesDej / ne[&JesDej DeHeie´s[sMeve 20.00 50.00EMPLOYEESEDUCATIONALFUND/efMe#eCe efveOeer keÀce&®eejer 15.00 25.00EXGRATIA&BONUS/meevegie´n Devegoeve Je yeesveme 607.35 559.65INVESTMENTFLUCTUATIONRESERVE/iegbleJeCetkeÀ ®e{Gleej efveOeer (Dee³eSHeÀDeej) 200.00 28.00PROFITOFTHELASTYEAR/ceeieerue Je<ee&®ee efMeuuekeÀ veHeÀe 0.03 0.03ADD:NETPROFITFORTHEYEAR/DeefOekeÀ ë ®eeuet Je<ee&®ee efveJJeU veHeÀe 4,732.14 3,206.63

TOTAL / SketÀCe ` 4,732.17 3,206.66

SCHEDULE F- CASH / HeefjefMe<ì - F jesKe Je yeBkesÀleerue efMeuuekeÀ CASHINHAND/neleeleerue efMeuuekeÀ 4,844.05 3,410.15R.B.I.CURRENTA/C./efjPeJn& yeBkeÀ ®eeuet Keeles 16,310.31 11,334.38

TOTAL / SketÀCe ` 21,154.36 14,744.53

SCHEDULE G- BALANCES WITH OTHER BANKS / HeefjefMe<ì - G yeBkesÀleerue efMeuuekeÀA)CURRENTACCOUNTWITH/De) ®eeuet Keeles CAWITHTDCC/þe] efpe] ce] men] yeBkeÀ ®eeuet Keeles þeCes 30.39 30.02 INDUSINDBANK/Fb[efmeb[ yeBkeÀ 0.00 0.59CAWITHIDBIBANK/ Dee³e.[er.yeer.Dee³e.yeBkeÀ ®ee}t Keeles 495.59 191.93CAWITHBANKOFINDIA/yeBkeÀ Dee@HeÀ Fbef[³ee, ®eeuettt Keeles 139.56 106.70BANKOFMAHARASHTRA/yeBkeÀ Dee@HeÀ ceneje<ì^ 0.08 0.08STATEBANKOFHYDERABAD/mìsì ye@BkeÀ Dee@HeÀ nwêeyeeo 0.15 0.37CAWITHAXISBANK/De@efkeÌmeme yeBkeÀ ®eeueg Keeles 80.99 4.17KOTAKMAHINDRABANK/keÀesìkeÀ ceefnbê yeBkeÀ ®eeuet Keeles 0.10 0.10

( `inLakhs)

33

SCHEDULE / HeefjefMe<ì 31st March 31st March 2017 2016 ` `

CAWITHRDCC/ je³eie[ ef[mì^erkeÌì meWì^ue yeBkeÀ 0.84 0.08HDFCBANKPUNE(ICH)/S®e.[er.SHeÀ.meer.yeBkeÀ ®eeuet Keeles 31.30 55.01KDCCBANKICH/keÀesuneHetj efpeune ceO³e.men.yeBkeÀ 93.67 53.75UNIONBANKOFINDIA/³egefve³eve yeBkeÀ Dee@HeÀ Fbef[³ee 0.28 12.00CAWITHICICI/Dee³e.meer.Dee³e.meer.Dee³e. yeBkeÀ ®eeuet Keeles 0.27 37.17YESBANKCURRENTACCOUNT/³esme yeBkeÀ ®eeuet Keeles 20.20 18.65CANARABANKCURRENTACCOUNT/ke@Àveje yeBkeÀ ®eeuet Keeles 2.97 10.19CAWITHPUNJABNATIONALBANK/Hebpeeye veBMeveue yeBkeÀ ®eeuet Keeles 0.99 0.00 CAWITHCORPORATIONBANK,MARGAOBR/ce[ieeJe.keÀes. Dee@. yeBkeÀ ®eeuet Keeles 0.26 0.00 CAWITHSVCCO-OPERATIVEBANKLTD/Sme efJe meer.keÀes.Dee@.yeBkeÀ ®eeuet Keeles 154.90 0.00CAWITHMSCBANK/Sce.Sme.meer.®eeuet Keeles 31.49 48.68CA’sWITHS.B.I./Sme.yeer.Dee³e.®eeuet Keeles 82.93 187.29

TOTAL / SketÀCe ` 1,166.96 756.78

B) FIXED DEPOSITS WITH BANKS / ye) yeBkeÀebleerue cegole þsJeerS.B.I(F.D)THANE/Sme.yeer.Dee³e., cegole þsJe, þeCes 0.00 50.00TERMDEP.MSCBANK/ce. mìs. keÀes. Dee@. yeBkeÀ cegole þsJe 2,865.50 1,135.50TERMDEP.TDCCTHANE/þe. efpe. ce. me. yeB. ceg. þsJe Keeles 586.33 586.58TERMDEP.TDCCKALWA/þe. efpe. ce. me. yeBkeÀ ceg. þsJe keÀUJee 1,000.00 1,000.00S.B.INDOREFDR/mìsì yeBkeÀ Dee@. Fboesj, cegole þsJe 1,550.00 0.28BANKOFINDIAFDR/yeBkeÀ Dee@HeÀ Fbef[³ee SHeÀ.[er.Deej. 7,499.00 6,000.00CORPORATIONBANKFDR/keÀeHeexjsMeve yeBkeÀ cegole þsJe. 0.00 3,000.00 IDBIFIXEDDEPOSIT/Dee³e[eryeerDee³e cegole þsJe 6,938.77 4,087.56CANARABANKFDR/ke@Àveje yeBkeÀ cegole þsJe 1,038.92 1,504.68BANKOFMAHARASHTRAFDR/yeBkeÀ Dee@HeÀ ceneje<ì^ cegole þsJe 6,285.00 5,000.00BANKOFBARODAFDR/yeBkeÀ Dee@HeÀ ye[esoe cegole þsJe 2,905.00 3,000.00YESBANKFDR/³esme yeBkeÀ cegole þsJe 500.00 500.00HDFCBANKFDR/S®e. [er. SHeÀ. meer. yeBkeÀ cegole þsJe 0.00 450.00SVCBANKFDR/Sme.Jeer.meer.keÀes.Dee@.yeBkeÀ cegole þsJe 300.00 0.00

TOTAL / SketÀCe ` 31,468.52 26,314.60

TOTAL (A + B ) /SketÀCe (De + ye ) ` 32,635.48 27,071.38

SCHEDULE H- INVESTMENTS / HeefjefMe<ì - H iegbleJeCetkeÀ GOVT.INDSTOCK/ ieJnve&ceWì Dee@HeÀ Fbef[³ee (jesKes) 86,376.03 72,411.32(FaceValue/ oMe&veer cegu³e jÀ. 86347.10/-) (MarketValue/yeepeej cegu³e jÀ. 85859.87/-) PUBLICSECTORUNDERTAKINGBOND/HeefyuekeÀ meskeÌìj Deb[jìsefkebÀie yee@C[ 8,200.00 2,500.00(FaceValue/oMe&veer cegu³e jÀ.8200.00/-) (MarketValue/ yeepeej cegu³e jÀ.8280.01/-) GOVTTRUSTSECURITY/jep³e mejkeÀejer jesKes 3,501.47 6,451.90(FaceValue/ oMe&veer cegu³e jÀ.3429.40/-) (MarketValue/ yeepeej cegu³e jÀ.3734.05/-)SHARESWITHOTHERBANKS&SOCIETIES/yeBkeÀ Je meesmee³eìer®es MesDeme& 4.45 4.45

TOTAL / SketÀCe ` 98,081.95 81,367.67

( `inLakhs)

34

( `inLakhs)

SCHEDULE / HeefjefMe<ì 31st March 31st March 2017 2016 ` `

SCHEDULE I - ADVANCES / HeefjefMe<ì - I keÀpex SHORTTERMLOAN/DeuHe cegole keÀpe& 7,014.11 6,449.77GOLDLOAN/meesvesleejCe keÀpe& 3,553.12 4,040.48C.C.HYPOTHECATION/ceeue vepej ieneCe 32,857.44 26,756.90C.C.CLEAN/ke@ÀMe kes´À[erì efkeÌueve 264.94 221.00 LONGTERMLOAN/oerIe& cegole keÀpe& 29,294.67 27,037.83MEDIUMTERMLOAN/ceO³ece cegole keÀpe& 103,011.51 88,566.70STAFFLOAN/keÀce&®eejer keÀpex 1,695.24 1,683.75(OFWHICHUNSECUREDLOAN/HewkeÀer efJeveeleejCe `18918.00) (OFWHICHOVERDUESLOAN/HewkeÀer LekeÀ}s}s `2072.10) TOTAL / SketÀCe ` 177,691.03 154,756.43

SCHEDULE J - INTEREST RECIEVABLE / HeefjefMe<ì - J ³esCes J³eepe INT.R’BLEONLOANS/³esCes J³eepe keÀpee&Jejerue 1,822.81 1,637.72INT.R’BLEONDEPOSITS/³esCes J³eepe þsJeeRJejerue 3,622.86 2,361.26TOTAL / SketÀCe ` 5,445.67 3,998.98

SCHEDULE K - FIXED ASSETS / HeefjefMe<ì - K keÀe³ece Je mLeeJej ceeuecellee ONPAGENO/heeve ¬eÀ. 35 Jej)

SCHEDULE L - OTHER ASSETS / HeefjefMe<ì - L Flej efpeboieer POSTAGESTAMPBALANCE/Heesmìspe 4.75 4.54PREPAIDEXPENSES/Kejsoer Je Ke®ee&meeþer efo}su³ee jkeÀcee 144.30 158.70BALANCESTATIONARY/efµeu}keÀ mìsµevejer 68.27 59.60TELEPHONEDEPOSIT/ìs}erHeÀesve ef[Hee@Peerì 5.71 5.78WATERDEPOSIT/Jee@ìj ef[Hee@Peerì 0.53 0.53RENTALBRANCHPREMISESDEPOSIT/µeeKee peeiee Fceejle ef[Hee@Peerìmed 305.71 245.95ELECTRICDEPOSIT/FuesefkeÌì^keÀ ef[Hee@efPeì 20.10 20.10 ADVANCEINCOMETAX/DeeieeT Yej}s}e Dee³ekeÀj 5,431.57 8,890.26SECURITYDEPOSITCCIL/efmeke̳egefjìer ef[Hee@Peerì -meermeerDee³eSue. 152.50 68.50BESTSECURITYDEPOSIT/yesmì meske̳egjerìer ef[Hee@Peerì 0.05 0.05NONBANKINGASSETS(TRFICH)/vee@ve yeBkeÀerie De@mesìme-F®euekeÀjbpeer 62.93 62.93 COURTDEPOSIT-SUIT/keÀesì& ef[Hee@Peerì - oeJee 0.92 0.92 CERSAI&NPCISGMDEPOSIT/mejmeeF& De@C[ SveHeermeerDee³e SmepeerSce ef[Hee@Peerì 0.28 0.15N.P.C.I.DEPOSIT/Sve. Heer. meer. Dee³e. ef[Hee@Peerì 11.28 11.28PANCOUPON/He@ve kegÀHeve 0.34 0.34 UNUTILISEDCENVATCREDIT/ceeieCeer ve kesÀuesuee mesveJn@ì kes´Àef[ì 127.02 104.12R.B.I.DEAFCLAIMSRECEIVABLE/Deej. yeer. Dee³e. keÀ[tve [sHeÀ Keeleer ³esCes 2.61 3.49 DEFERREDTAXASSETS/ef[HeÀ[& ì@keÌme De@mesì 3.21 3.21 IMPSBENEFICIARY/Dee³e. Sce.d Heer. Smed. ueeYeebMe 1.43 0.23 IMPSSETTLEMENT/Dee³e. Sce.d Heer. Smed. mesìueceWì 14.93 0.00 TOTAL / SketÀCe ` 6,358.44 9,640.68SCHEDULE M - CONTINGENT LIABILITIES / HeefjefMe<ì - M mebYeeJ³e osCeer CLAIMSAGAINSTTHEBANKNOTACKNOWLEDGEDASDEBT BANKGUARANTEE/yeBkeÀ ie@jbìer 3,782.39 1,823.29LETTEROFCREDIT/uesìj Dee@HeÀ ke´sÀ[erì 210.49 2,234.68AMOUNTTRANSFERREDTODEAF/[sHeÀ Keeleer kesÀuesueer Jeie&jkeÌkeÀce 835.50 781.77(Net of Payment made to eligible depositors) BUYERSCREDIT/yee³eme& kes´Àef[ì 530.57 214.06TOTAL / SketÀCe ` 5,358.95 5,053.80

35

Gop

inat

h Pa

til P

arsi

k Ja

nata

Sah

akar

i Ban

k Lt

d.Sc

hedu

le -

K :

Fixe

d A

sset

s

G

ross

Blo

ck /

ie´e@me

yuee@k

eÀ D

epre

ciat

ion

/ Iem

eeje

Net

Blo

ck/ v

esì yu

ee@keÀ

D

escr

iptio

n of

Ass

ets

O

peni

ng B

alan

ce

Add

ition

s du

ring

perio

d C

losi

ng B

alan

ce

Dep

reci

atio

n D

epre

ciat

ion

Dep

reci

atio

n D

epre

ciat

ion

ceeue

celles®

es JeC

e&ve

®eeu

et yeek

eÀer

Kejso

er Sa

le /

De

Kesj®

eer yee

keÀer

as a

t D

urin

g D

ue to

up

to

as a

t as

at

Cos

t as

at

Bef

ore

A

fter

Adj

ustm

ents

C

ost a

s at

31

/3/2

016

perio

d d

elet

ion/

31

/3/2

017

31/3

/201

7 31

/3/2

016

1/

04/2

016

30/0

9/20

16

30/0

9/20

16

efJeke´À

er / F

lej

31/3

/201

7 Iem

eeje H

e³e¥le

31/3

/201

7 A

djus

tmen

ts

Iemeej

e He³e

¥le Hegm

lekeÀe

r Hegm

lekeÀe

r

cetU efk

ebÀcele

jesp

eer

Iemeej

e He³e

¥le efJe

ke´Àer k

esÀuesu

³ee

efke

bÀcele

efkebÀce

le

cee

uecel

lesJej

erue

Iemeej

e

CO

MPU

TER

S &

PER

IPH

ERA

LS

1890

.00

170.

36

196.

58

28.8

7 22

28.0

7 14

87.1

7 32

6.29

27

.97

1785

.49

442.

58

402.

83me

bieCe

keÀ Je

Flej

meec

eie´er

FUR

NIT

UR

E &

FIX

TUR

ES

2825

.00

236.

29

389.

70

38.9

7 34

12.0

2 11

59.9

0 25

2.54

14

.75

1397

.69

2014

.33

1665

.10

HeÀefve

&®ej Je

efHeÀk

e̮eme

&

VEH

ICLE

S / J

eenves

143.

61

6.09

75

.19

14.3

0 21

0.59

79

.21

26.7

4 12

.85

93.1

0 11

7.49

64

.40

INTA

NG

IBLE

ASS

ETS

50

6.24

34

.19

159.

30

6.98

69

2.75

37

6.48

11

1.29

0.

00

487.

76

204.

99

129.

76Fv

eì@vp

eeryeu

e De@m

esìme

d

LIB

RA

RY /

Jee®ev

eeue³

e 0.

74

0.18

0.

04

0.02

0.

94

0.43

0.

12

0.00

0.

55

0.39

0.

31

LAN

D A

ND

BU

ILD

ING

32

45.8

2 42

6.27

62

2.12

0.

00

4294

.21

1125

.87

220.

20

0.00

13

46.0

7 29

48.1

4 21

19.9

5pe

ceerve

Je F

ceej

le

WIP

( K

.K B

RA

NC

H P

REM

ISES

) 12

8.03

10

9.10

16

3.22

0.

00

400.

35

10.8

5 0.

00

0.00

10

.85

389.

50

117.

18He´i

eleer H

eLeeJ

ejeru

e keÀe

ce (

keÀs.ke

Às MeeK

ee)

TOTA

L / S

ketÀCe

`

8739

.45

982.

48

1606

.16

89.1

5 11

238.

93

4239

.91

937.

18

55.5

7 51

21.5

2 61

17.4

1 44

99.5

4

PREV

IOU

S YE

AR

/ ce

eieeru

e Je<e

& 75

89.8

8 36

3.47

10

12.3

3 22

6.23

87

39.4

5 34

99.9

5 79

5.44

55

.48

4239

.91

4499

.54

4089

.92

( `

in la

khs)

36

Notes to financial statements for the year ended 31st March, 2017

A. Basic Information

1. Background GopinathPatilParsikJanataSahakariBankLtd.isamulti-statescheduledco-operativebank(convertedinto

multi-stateco-operativesocietyw.e.f.26.03.2015)providingwiderangeofbankingandfinancialservicesthrough75branches. It isgovernedby theBankingRegulationAct,1949(asapplicable toco-operativesocieties/banks)andtheMulti-StateCo-operativeSocietiesAct,2002andtherulesframedthere-under.

2. Basis of Preparation Thefinancialstatementshavebeenpreparedfollowingthegoingconcernconcept,onanaccrualbasis,

unlessotherwisestated,underthehistoricalcostconvention,exceptforbuildingacquiredonmergerwithIchalkaranji Mahila Sahakari Bank Ltd, Ichalkaranji which is carried at revalued amount (on the basisof revaluation carriedout prior tomerger by theerstwhile IchalkaranjiMahilaSahakariBankLtd.), andcomply with the generally accepted accounting principles in India, statutory requirements under the Banking RegulationAct,1949&Multi-StateCo-operativeSocietiesAct,2002,circularsandguidelines issuedbyReserve Bank of India (RBI) from time to time, the accounting standards issued by the Institute of Chartered Accountantsof India (ICAI), to theextentapplicable,andcurrentpracticesprevailingwithin thebankingindustry in India.

3. Use of Estimates The presentation of financial statements, in conformity with generally accepted accounting principles,

requires management to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenuesandexpensesand thedisclosureof contingent liabilitiesat theendof the reportingperiod. Management believes that these estimates and assumptions are prudent and reasonable. However, actual results could differ from estimates requiring an adjustment to the carrying amounts of assets or liabilitieswhicharerecognizedprospectivelyinthefutureperiods.

B. Significant accounting policies:

1. Investments:

1.1 Classification of Investments: ForthepurposeofdisclosureintheBalanceSheet,Investmentshavebeenclassifiedunderfourgroups,

namely, Government Securities, other approved securities, shares and bonds of PSUs and other investments.

1.2 Categorization of Investments: InaccordancewiththeguidelinesissuedbytheRBI,theBankhasclassifieditsInvestmentportfoliointo

the following three categories: “Held to Maturity” (HTM) – securities acquired with the intention to hold till maturity. “Held for Trading” (HFT) – securities acquired with the intention to trade. “Available for Sale” (AFS) – securities which do not fall within the above two categories.

1.3 Valuation of Investments: Investments under HTM category are carried at Book Value. The premium paid, if any, on the investments

under this category is amortised over the residual life of the security as per guidelines of RBI and Policy adoptedbyBank.Theprofit/lossoninvestmentsacquiredatadiscountonfacevalue,underthiscategory,isrecognizedonlyatthetimeofredemption/saleoftheinvestment.

Investmentsunder‘AvailableforSale(AFS)’and‘HeldforTrading(HFT)categoryarevaluedscrip-wiseat lower of Cost or Market Value. Net depreciation, if any, under each category has been provided for, net appreciation, if any, has been ignored.

Market Value, where market quotes are not available, is determined on the basis of the “Yield to Maturity” (YTM)methodasindicatedbyPrimaryDealersAssociationofIndia(PDAI)jointlywiththeFixedIncomeandMoneyMarketDerivativesAssociationofIndia(FIMMDA).Appreciation/Depreciationareaggregatedfor each class of securities and net depreciation in aggregate for each category as per RBI guidelines is chargedtoProfitandLossAccount.Netappreciation,ifany,isignored.

37

1.4 Broken period interest on debt instruments is treated as revenue item. Brokerage, Commission etc. pertaining to investments paid at the time of acquisition is charged to revenue.

2. Advances:

2.1 TheclassificationofadvancesintoStandard,Sub-standard,DoubtfulandLossassetsaswellasprovisioningonStandardAdvancesandNon-PerformingAdvanceshasbeenarrivedatinaccordancewiththeIncomeRecognition,AssetsClassificationandProvisioningNormsprescribedbytheRBIfromtimetotimetilldate.

2.2 The unrealized interest in respect of advances classified as Non-Performing Assets is disclosed as “NPA Interest Receivable” as per RBI directives.

2.3 ProvisiononAdvancescategorizedunderSub-Standard,DoubtfulandLossAssetsismadeinaccordancewith the guidelines issued by the Reserve Bank of India. In addition, a general provision is made on following categories of standard assets as per RBI guidelines, as under:

Category Provision (%)Direct advances to Agricultural and SME Sectors 0.25Commercial and Real estate (CRE) loans 1.00CRE – Residential Housing 0.75Otheradvances 0.40

3. Fixed Assets:

3.1 Landiscarriedatcostexceptforleaseholdlandwhichiscarriedatamortizedcost.Premises,Furniture&Fixtures,Plant&Machineryarestatedatcostlessdepreciation.Costincludesincidentalexpensesrelatingtoacquisitionandinstallationoffixedassets.

3.2 Leaseholdlandcostisamortizedovertheremainingleaseperiod.

3.3 Computer Hardware, Computer Software, UPS and Batteries, ATM Machines, Printers, CC TV, LCDProjectoraredepreciatedonStraightLinemethod@33.33%asdirectedbyRBI.

3.4 Thedepreciationonassetsacquiredpriorto1stOctoberisprovidedforthewholeyearotherwisethesamearedepreciatedat50%ofthenormalrates.Nodepreciationisprovidedonassetssoldintheyearofsale.

3.5 Premises, Furniture & Fixtures, Plant & Machinery and Capital Expenditure on Rental premises aredepreciated on Written down Value method at the rates considered appropriate by the Management as under:

Description of Asset Rate of depreciationFireExtinguisher,ChequeEncodingMachine 25%Plant&Machinery 15%Vehicles 25%LeaseLines,ISDN,ATMVideoCaptureSystem,H.O. 40 %All other assets 10 %

3.5 FixedAssetswhichhavebeenfullydepreciatedbutarestillinuse,arecarriedinthebooksatNILvalueandinsomecasesatnominalvalueofRe.1/-.

4. Impairment of Assets

FixedAssetsarereviewedateachbalancesheetdate toascertainwhether thereareany indications that thecarryingamountofanyassetexceedsitsrealizablevalue.Animpairmentlossisrecognizedwheneverthecarryingamountofanassetexceedsitsrecoverableamount.

5. Revenue recognition:

5.1 Incomeisaccountedonaccrualbasisasandwhenitisearnedexceptfor:

(a) The incomeonNon-PerformingAssets is recognizedon realization, as perReserveBankof Indiadirectives.

38

(b) ThecommissiononLettersofCredit/GuaranteesandDividendsreceivedfromsharesofco-operativeinstitutionsareaccountedonreceiptbasis.WhileduringtheyearinterestonCBLOandinterestonTBillsare accounted on receipt basis, at the year end, interest receivable thereon is accounted on accrual basis.

(c) Theinterestonoverdue/maturedFixedDepositsisaccountedattherateapplicabletoSavingsBankAccounts as per RBI guidelines.

5.2 Subsidy received from theReserveBankof Indiaonpurchaseofsortingmachines isaccounted foronreceipt basis by crediting the same to the respective asset account.

6. Employee Benefits:

Defined Contribution Scheme: The payment of Provident Fund is made to the Commissioner for Provident Fund at rates prescribed in the EmployeesProvidentFundandMisc.ProvisionsAct,1952andisaccountedforonaccrualbasis.

Defined Benefit Scheme:

ThebankhastakenEmployees’GroupGratuityPolicyfromLifeInsuranceCorporationofIndia(LIC)andLICismaintaininggratuityfundunderatrustdeedforgratuitypaymentstoemployees.Thepremium/contributionpaid toLICunderthesaidpolicyisdebitedtoProfit&LossAccount.

Accumulatedleaveistreatedasanemployeebenefit.TheBankmeasurestheexpectedcostofsuchabsencesasanadditionalamount that it expects topayasa resultof theunusedentitlement thathasaccumulatedattheBalanceSheetdate.ThebankhastakenEmployees’GroupLeaveEncashmentpolicy fromLife InsuranceCorporationofIndia(LIC)tomeetleaveencashmentliability.Thepremium/contributionpaidtoLICunderthesaidpolicyisdebitedtoProfit&LossAccount.

7. Lease Payment:

OperatingleasepaymentsarerecognizedasanexpenseintheProfit&LossAccountonaccrualbasisforthefinancialyear.IntheopinionoftheBank,theleaveandlicenseagreementsenteredintobytheBankforuseofpremises for its banking business are cancellable.

8. Income Tax:

Taxexpensecomprisesofcurrenttaxanddeferredtax.CurrentIncomeTaxismeasuredonthebasisofestimatedtaxableincomefortheyearinaccordancewiththeprovisionsofIncomeTaxAct,1961,andrulesframedthereunder.DeferredtaxfortimingdifferencesbetweenthebookandtaxableprofitsfortheyearisaccountedforusingthecurrenttaxratesandlawasontheBalanceSheetdate.DeferredTaxAssets(DTA)arerecognizedonlytotheextentthereisareasonablecertaintythattherewillbesufficientfuturetaxableincomewouldbeavailableagainstwhichDTAcanberealized.

DTA/DeferredTaxLiability(DTL)arereassessedateachreportingdate.

9. Earnings per share

Basicearningspersharearecalculatedbydividingthenetprofitfortheperiodaftertax(beforeappropriation)byweighted average number of equity shares outstanding during the period.

10. Segment Reporting:

TheBankhasidentifiedtwoBusinessSegmentsviz.TreasuryOperationsandOtherBankingOperationstakinginto account the nature of products and services, the different risks and returns and the guidelines issued by RBI. TreasuryOperationsincludesallinvestmentportfolioandprofit/lossonsaleofinvestments.Theexpensesofthissegmentconsistofinterestexpensesonfundsborrowedfrominternalandexternalsourcesanddepreciation/amortizationofpremiumoninvestmentsinHeldtoMaturitycategory.OtherBankingOperationsincludeallotheroperationsnotcoveredunder‘TreasuryOperations’.

39

C. Disclosures as required by the Accounting Standards (AS) 1. Effects to Cost of Acquisition of Merged Banks: (AS 14)

During theyear2016-17,bankhasadjustedcostofacquisitionagainstAmortisation reserve.Thereforethereisnobalanceofeithercostofacquisitionoramortizationreserve.

ThecostofacquisitionandamortizationreservewasreflectedinbalancesheetpursuanttoamalgamationofIchalkaranjiMahilaSahakariBankLtd,IchalkaranjiduringtheFY2010-11

2. Employee Benefits: (AS 15)

TheBankhascontributedRs3,18,33,253/-(PreviousyearRs2,91,52,288/-)towardsProvidentFund.

TheBankhaspaidRs1,39,46,327/-(PreviousyearRs1,35,74,755/-)towardsGroupLeaveEncashmentpolicyofLIC.

TheBankhasdebitedRs81,31,541/-(PreviousyearRs.97,46,347/-)towardsGroupGratuitypolicyofLIC

ActuarialassessmentofGratuityFund/LeaveEncashmentmaintainedwithLIC: (AmountinRsLakhs)

Sr. No. ParticularsGratuity

31/03/2017 31/03/2016I Actuarial Assumptions

Discount Rate 8.00% 8.00%Salary Escalation 5.00% 5.00%Membership Data Number of members (Nos.) 738 542Average Age (years) 38.86 42.04Average monthly salary 30,544.33 33,737.00Average Past Service (years) 11.31 15.82Valuation Method Projected Unit Credit Method

II Changes in the present value of obligationOpeningpresentvalueofobligation 1,756.69 1,699.31Interest Cost 140.54 135.94Current Service Cost 76.99 78.59Benefitspaid -66.82 -100.98Actuarial(gain)/lossonobligations 63.08 -56.17Closing Present value of obligation 1,970.48 1,756.69

III Changes in fair value of plan assetsOpeningFairvalueofplanassets 1,819.83 1,559.43Expectedreturnonplanassets 147.24 152.90Contributions 7.48 208.48Benefitspaid (66.82) (100.98)Closing Fair value of plan assets 1,907.73 1,819.83

IV Amount recognized in balance sheet:PresentValueofobligationasattheyear-end 1,970.48 1,756.69FairValueofPlanAssetsasattheyear-end 1,907.73 1,819.83(Asset)/Liability 62.75 (63.14)

V ExpensesrecognizedinP/LAccount

40

Current service cost 76.99 78.59Interest cost 140.54 135.94ExpectedReturnofPlanAssets 147.24 152.90Netactuarial(gain)/loss 63.08 (56.17)ExpensesrecognizedinP&Laccount 133.36 311.27

Note:PresentValueofPlanAssetsrepresentsthebalanceavailablewithLIC.TheBankhasnotrecognizedactuarialloss/gainonobligation/planassets,interestcost/expectedreturnonplanassets.

3. Segment Reporting: (AS 17)

(RupeesinLakhs)

Particulars

2016-17 2015-16

Treasury Operations

OtherBanking

Operation Total Treasury

Operations

OtherBanking

Operation Total

Segment Revenue 12,937.34 21,001.67 33,936.92 10,726.28 18,046.22 28,772.50Segment Cost 11,072.29 14,263.78 25,336.08 9,440.59 13,124.89 22,565.48Segment Result 1,865.04 6,737.89 8,600.93 1,285.69 4,921.33 6,207.02Less:-UnallocatedExpenses - - 175.27 - - 54.17Net Profit Before Tax - - 8,425.66 - - 6,152.85Risk Provisions - - 1,400.00 - - 1,280.00IncomeTax - - 2,170.00 - - 1,600.00DeferredTax - - 50.52 - - -Special Reserve - - 75.00 - - 66.22Net Profit Before Appropriation - - 4,732.14 - - 3,206.63OTHER INFORMATIONSegment Assets 148,521.82 209,390.97 357,912.78 119,639.79 178,408.56 298,048.35Unallocable Assets - - 5,287.63 - - 8,746.17Total Assets 148,521.82 209,390.97 363,200.42 119,639.79 178,408.56 306,794.52SegmentLiabilities 146,771.81 174,858.27 321,630.08 118,861.27 146,889.92 265,751.19UnallocableLiabilities - - 41,570.34 - - 41,043.33Total Liabilities 146,771.81 174,858.27 363,200.42 118,861.27 146,889.92 306,794.52

4. Related party Disclosures: (AS 18)

TheBank is a co-operative society under theMulti-StateCo-operative SocietiesAct, 2002 and there are noRelated Parties requiring a disclosure under theAccounting Standard – 18, issued by the ICAI, other thanKeyManagementPersonnel, viz.Mr.SadanandK.Nayak, theChiefExecutiveOfficer (CEO)of theBank for FY.2016-17.HoweverintermsofRBIcirculardatedMarch29,2003,theCEObeingasinglepartycomingunderthe category, no further details therein need to be disclosed.

5. Lease: (AS 19)

OperatingleasepaymentsarerecognizedasanexpenseintheProfit&LossAccountonaccrualbasisforthefinancialyear.IntheopinionoftheBank,theleaveandlicense/leaseagreementsenteredintobytheBankforuseofpremisesforitsbankingbusinessarecancellable.Thedisclosuresareasunder:-

MinimumLeasePayments RsinLakhs- Notlaterthanoneyear 454.57- Laterthanoneyearbutnotlaterthanfiveyears 1,132.69- Laterthanfiveyears 224.71

41

6. Intangible Fixed Assets: (AS 26)

TheBankhas identified intangibleassetsrepresentingComputerSoftwareandshownseparately in theFixedAssetsScheduleunderfixedassetblock“IntangibleAssets”givingdetailsrelatingtoGrossBlock&AmortizationasprescribedbyAccountingStandard–26onIntangibleassetsissuedbyICAI.Computersoftwareisamortized@33.33%onstraightlinemethodasperthedirectivesofRBI.

7. Earnings per share: (AS 20)

Particulars FiguresNetprofitfortheperiodaftertax(beforeappropriation)-RsLakhs 4,732.14Weighted average number of equity shares (Nos.) 13,645,351Earningspershare(Basic&Diluted)-inRs 34.68

The Bank has no liability which can be potentially converted into equity shares.

8. Deferred Tax Assets / Liabilities (AS 22)

Thedeferredtaxliabilitiesasat31stMarch,2017andbreak-upofitsmajorcomponentsisasfollows:

Particulars DTA Rs. DTL Rs.DeferredTaxason1.4.2016 3,20,577.33 (2,10,21,902.00)Add:-DeferredTaxAdjustmentsduring2016-17Depreciation - (2,455,937.03)SpecialReserveu/s36(1)(viii)ofI.T.Act - (2,595,600.00)NetDeferredTaxAsset/(Liability) - (5,051,537.03)DeferredTaxason31.3.2017 3,20,577.33 (2,60,73,439.03)

9. Impairment of Assets: (AS 28)

There is no material impairment of any of assets in the opinion of the Bank and as such no provision under AccountingStandard-28issuedbyICAIisrequired.

10. Contingent Liabilities:

All lettersof credit /guaranteesaresanctioned tocustomerswithapprovedcredit limits inplace.The liabilitythereon is dependent on terms of contractual obligations, devolvement, raising demand by concerned parties andtheamountbeingcalledup.Theseamountsarecollateralizedbymargins,counter-guaranteesandsecuredcharges.

D. Notes to Accounts:

1. Cash and Bank Balances: Fixed Deposits with other Banks include deposits aggregating to Rs. 31,21,97,682/- (Previous year

Rs.25,12,74,130/-)lodgedasmarginmoneytosecureissuanceofLettersofCredit/Guaranteesinrespectof correspondent bank.

2. Investments: During the year, Bank has shifted certain securities of aggregate face value of Rs. 41,75,00,000/-

(BookValueRs.37,81,84,877/-)fromHeldForMaturitycategorytoAvailableForSalecategoryinaccordancewith RBI Guidelines.

42

3. Duringtheyearunderreview,thebankhaswrittenoffNPAsofRs1,48,26,801.14whichisapprovedbytheBoardandcertifiedbyStatutoryAuditorsandgeneralbodymeeting.ThesaidNPAshadbeenclassifiedasDoubtful/LossAssetsandhadbeenfullyprovidedforinearlieryearsandaccordinglyanequivalentamounthas been written back from the Bad and Doubtful Debt Reserve.

4. Capital commitments and Contingent Liabilities: Capital Commitments AtMarch31,2017,estimatedamountofcontractsremainingtobeexecutedoncapitalaccountsamount toRs.NIL(PreviousyearRs.NIL).

ContingentLiability

ThestatusofBank’sincometaxassessments/appellateproceedingsisastabulatedbelow.

A.Y Particulars Demand Raised(Rs Lakhs)

2007-08 DyCITissuednoticeu/s271(1)(c)ofITActon25.1.17statingthatMurbadbranch is not rural branch and allowance for BDDR can not be taken. 81.97

2008-09 DNissuedon9.3.2016.AssessmentduesrelatingtoExcessAllowanceu/s36(1)(viia) of IT act. Bank has submitted its say to IT Dept. 16.06

2008-09 DyCITissuednoticeu/s271(1)(c)ofITActon12.9.2016 9.302014-15 DyCITissuednoticeu/s143(3)ofITActon22.11.2016 9.79

5. Amounts transferred to Depositor Education and Awareness Fund (DEAF)

(RsinLakhs)

Particulars Current Year2016-17

Previous Year2015-16

Op.balanceofamountstransferredtoDEAF 781.78 728.77Add: Amt transferred to DEAF during the year 67.67 70.57Less:ClaimsreimbursedbyRBI (13.96) (17.56)

Cl. balance of amounts transferred to DEAF 835.49 781.78

DEAFclaimsamountingtoRs3,62,399.86/-havealreadybeenpaidtoeligibledepositorsason31.03.2017andcorresponding claims have been lodged with the Reserve Bank of India.

6. Previous year figures:

Thebankhasreclassifiedpreviousyearfigurestoconformtothisyear’sclassification.

43

III DISCLOSURE AS PER RBI GUIDELINES (AsperRBICirculardatedUBD.CO.BPD(PCB)Cir.No.52/12.05.001/2013-14dt25/03/2014)

(Figures in % or Rs. in Lakhs)

Sr. No. Particulars 31/03/2017 31/03/20161 Movement of CRAR

a Capital Tier 1 31,867.31 27,804.08b Capital Tier 2 3,617.54 2,599.18c Total of Tier 1 and Tier 2 Capital 35,484.85 30,403.26d Total Risk Weighted Assets 1,83,552.41 1,48,849.72e Capital to Risk Assets Ratio 19.33% 20.43%

2 Investmentsa Book Value 98,077.50 81,363.22b Face Value 97,976.50 82,911.50c Market Value 97,873.99 81,443.98

3 Advances Againsta Builders and Developers, Real Estate 11,226.55 7,860.77b Construction Business 832.37 1,036.43c Housing 30,713.26 28,532.80

4 Advance against Shares & Debentures 0 05 Advances to Directors, Their relatives, companies firms in

which they are interested:a Fund-based 0.01 2.58i Outstandingatthebeginningoftheyear 18.21 0.00ii Additions during the year* 0.01 2.57iii Recovery during the year 18.21 0.01iv Outstandingattheendoftheyear(IncludingInterest)

*Amtpertainstoexistingloansofnewlyelecteddirectorb Non-fundbased(Guarantees,L/Csetc.) 0.40 0.95i Outstandingatthebeginningoftheyear 0.00 0.00ii Additions during the year 0.40 0.55iii Recovery during the year 0.00 0.40iv Outstandingattheendoftheyear(IncludingInterest)

6 Average Cost of Deposits 6.02% 6.34%7 NPAs

a Gross NPAs 4,735.17 3,859.28b Net NPAs 0.00 0.00

8 Movement In NPAsI Gross NPAsa OpeningBalance 3859.28 3,672.98b Additions during the year 2690.61 3,013.05c Less:Closed/Recovered/WrittenOff 1814.71 2,826.75d Closing Balance 4735.17 3,859.28

44

II Net NPAsa At the beginning of the year 0.00 0.00b At the end of the year 0.00 0.00

9 Profitability :a Interest income as a percentage of average working funds 8.73% 9.31%b Non-Interestincomeasapercentageofaverageworkingfunds 1.06% 0.36%c Operatingprofitasapercentageofaverageworkingfunds 2.50% 2.10%d Return on Average Assets 1.37% 1.11%e Business( Deposits + Advances) Per employees 623.42 605.83f Profitperemployee 6.20 4.87

10 Provision made during the year towards:a Provision for NPAs 1,400.00 1,200.00b DepreciationinInvestments-IDR 0.00 0.00

11 Movement in Provisions against Advances:a Towards Bad and Doubtful Debt Reserve

OpeningBalance 7,874.52 7,086.04Provisions/Additionsduringtheyear 1,400.00 1,200.00Recovery in Write off Accounts 0.00 0.00Less:Closed/Recovered/WrittenBack 148.27 411.52Closing Balance 9,126.25 7,874.52

b Towards Contingent provision against Standard AssetsOpeningBalance 855.00 775.00Provisions/Additionsduringtheyear 0.00 80.00Closing Balance 855.00 855.00

12 Movement in Provisions against InvestmentA Provision for Investment Fluctuation Reserve

OpeningBalance 1,744.18 1,400.00AdditionsduringtheyearfromP/L&Appropriation 200.00 344.18Less-Reversal 0.00 0.00Closing Balance 1,944.18 1,744.18

b Provision for Investment Depreciation ReserveOpeningBalance 140.99 16.50Add-TransferofContingentProv.toIDR 142.58 608.00Less-ExcessProv.writtenBacktoP/L 0.00 483.51Closing Balance 283.57 140.99

13 a Foreign Currency Assets 0.00 0.00 b Foreign Currency Liabilities 0.00 0.00

14 DICGC premium paid up to Period Covered Date of Payment

Rs. in Lakhs

01/04/2016To30/09/2016 25-05-2016 125.5701/10/2016To31/03/2017 22-11-2016 139.87

15 Penalty Imposed by RBI 0 016 Restructured Accounts Nil Nil

45

Composition of Non SLR Investments

Sr.

No.Issuer Amount

Rs. in Lakhs

Extent of below investment grade

Securities

Extent of Unrated

Securities

Extent of Unlisted Securities

1 2 3 4 5 61 PSUs 3500.00 - - -2 Fls 4500.00 - - -3 NationalizedBanks 200.00 - - -4 Others - - - -5 Provision Held towards

Depreciation- - - -

Total 8200.00 - - -

Non Performing Non SLR Investments

Particulars Amount Rs in lakhsOpeningBalance -Additions during the year since 1st April -Reductions during the above period -Closing Balance -Total Provision held -

17 Repo/Reverse Repo Transactions during the year (Rs. In Lakhs)

Particulars

Minimum outstanding during the

year

Maximum outstanding during the year

Daily Average outstanding during the

year

OutstandingAs on 31st

March

16-17 15-16 16-17 15-16 16-17 15-16 16-17 15-16BorrowingunderLAF - - - - - - - -LendingunderLAF 500.00 0.00 6,000.00 0.00 700.00 0.00 0.00 0.00

18 CBLO – Reporting Platform (Rs. In lakhs)

ParticularsMinimum

outstanding during the year

Maximum outstanding during

the year

Daily Average outstanding during

the year

Outsta[ndingAs on 31st March

16-17 15-16 16-17 15-16 16-17 15-16 16-17 15-16BorrowingunderCBLO - - - - - - - -LendingunderCBLO 999.67 499.90 30,995.08 14,792.14 6,711.60 6,299.78 14,993.60 9,293.83

19InterestRateFuture(asperRBICircularUBD(PCB)BPDCirNo.17/13.01.000/2009-10October28,2009).ThebankhasnotundertakenanytransactionduringtheFinancialYear2016-17

Date:-07thJune2017Place:-Kalwa,Thane

46

GOPINATH PATIL PARSIK JANATA SAHAKARI BANK LTD. Multi-State Scheduled Bank

CASH FLOW STATEMENT FOR THE YEAR ENDED 31ST MARCH, 2017.

Particulars 31st March, 2017Amount Rs. Lakhs

31st March, 2016Amount Rs. Lakhs

1) CASH FLOW FROM OPERATING ACTIVITIESNetProfitasperProfit&LossAccount 4,732.14 3,206.63Adjustmentsfor-AmountprovidedforBad&Doubtfuldebts 1,400.00 1,200.00 Provision for Standard Assets 0.00 80.00IDRExcessProvisionofEarlieryear 0.00 (483.51)Amortisation of Premium paid on Government Securities 0.00 9.75ProvisionOnEmpairdAssets 0.00 0.00Voluntary Retirement Scheme 0.00 30.00 Amortisation of Cost Acquired Bank 0.00 0.00Contingent Prov. Against Dep. In Investments 142.58 316.18SpecialReserveFundu/s.36(1)(viii)ofI.T.Act.1961 75.00 66.22 Staff Welfare Provision 0.00 20.00 DepreciationonFixedAssets 937.18 795.44IncomeTaxprovision 2,170.00 1,600.00 DeferredTaxAsset/DeferredTaxLiability 50.52 (3.21)Write-offofFixedAssets 1.07 15.82ProfitonSaleofFixedAssets (2.70) (2.49)Bad Debts Provision Write Back (148.27) (411.52)Bad Debts Provision 148.27 411.52DepreciationonGSECAFS/HFT 0.00 4.30 Impaired asset reserve against nonbanking asset 62.93 0.00Gratuity 62.75 0.00Staff agreement arrears 200.00 0.00LeaveEncashmentProvision 139.46 0.00Bonus Paid (607.35) 4,631.43 (559.65) 3088.85OperatingCashFlowbeforeWorkingCapitalChanges 9363.58 6295.48Adjustments for changes in Working Capital -(Increase) in Interest Receivable on Advances (1,446.69) (886.30)(Increase) in Investments (16,714.27) 3,853.76(Increase)/DecreaseinBranchadjustments (140.29) 125.56(Increase)inLoans&Advances (23,082.87) (28,463.30)(Increase) in Bills Discounted 0.00 0.00(Increase)inOtherAssets 5,456.87 (197.84)Increase/(Decrease)inInterestPayableonDeposits 1,743.47 1,005.35Increase in Deposits 53,433.07 27,761.70Increase/(Decrease)inCurrent&otherliabilities (6,253.44) 1,038.25

47

Particulars 31st March, 2017Amount Rs. Lakhs

31st March, 2016Amount Rs. Lakhs

Expenseschargedtoreserves(Net) (98.11) 12,897.73 (58.98) 4,178.19Operating Cash Flow after Working Capital Changes 22,261.31 10,473.68 Less–Taxespaid(includingTDS) (2,174.62) (1,664.40)Less–TaxespaidforEarlieryearsS.ATax 0.00 (72.13)Net Cash Flow from Operating activities after taxes 20,086.69 8,737.15 2) CASH FLOW FROM INVESTING ACTIVITIESSaleofFixedAssets 6.04 4.43 PurchaseofFixedAssets (2,559.46) (1,222.82)Increase in advances for acquiring premises 0.00Net Cash Flow Investing Activities (2,553.42) (1,218.38)3) CASH FLOW FROM FINANCING ACTIVITIESIncrease in Share Capital 967.70 1,000.34 Dividend paid during the year (827.26) (725.36)Net Cash Flow from Financing Activities 140.44 274.98

4) NET INCREASE /(DECREASE) IN CASH (1+2+3) 17,673.71 7,793.74

5) CASH & CASH EQUIVALENTS AT THE BEGINNING 51,109.74 43,316.00

6) CASH & CASH EQUIVALENTS AT THE CLOSING (4+5) 68,783.45 51,109.74

Cash and Cash Equivalents - 31st March, 2017 31st March, 2016Cash&Balanceswithotherbanks 53,789.84 41,815.90Money at Call and Short Notice 14,993.60 9,293.84Total Rs. 68,783.45 51,109.74

48

EXPE

ND

ITU

RE

/ Ke®e

& 20

16-1

7Pr

ojec

ted

(Debo

epe)

2016

-17

Act

ual

(He´l³

e#e)

Diff

eren

ce

HeÀjk

eÀ

2017

-18

Proj

ecte

d

(Debo

epe)

INC

OM

E

GlHev

ve

2016

-17

Proj

ecte

d

(He´l³

e#e)

2016

-17

Act

ual

(He´l³

e#e)

Diff

er-

ence

HeÀjk

eÀ

2017

-18

Proj

ecte

d

(He´l³

e#e)

Inte

rest

Pai

d on

Dep

osit

efo

}s}

s þsJee

RJejer}

J³eep

e16

224.

4116

903.

10678.69

18593.41

Inte

rest

Rec

eive

d on

Loan/

keÀpe

e&Jeje

r}

efceU

e}s}

s J³eep

e18557.88

20097.75

1539.87

23795.74

BankExps.Salary,

Allowances&Contractual

expenses/ye

BkeÀ K

e®e& -

Hei

eej, Y

elles,

keÀe@vì

^@ke̮egD

eue

Ke®e&

4105.22

4286.46

181.24

4800.84

Inte

rest

Rec

eive

d on

Deposit/þ

sJeeRJej

er}

efceU

e}s}

s J³eep

e10685.58

1004

2.09

-643.49

1124

6.30

Ren

t, In

sura

nce

Professiontax&property

tax/ Y

ee[skeÀ

j, efJ

ecee,

J³

eJeme

e³e k

eÀj, c

ee}ce

llee

keÀj

971.65

1067.82

96.17

1195.96

Com

mission&Other

keÀefc

eµeve

Je F

lej1173.32

3238.68

2065.36

1387.29

Printing&Stationery

í

HeeF&

}sKe

ve me

ecegi

e´er10

6.21

153.69

47.48

169.

06LockerRent

}e@ke

Àj Y

ee[s

78.56

81.97

3.41

87.95

Ann

ual G

ener

al M

eetin

g Expenses

Jeeef<e

&keÀ m

eJe&me

eOeej

Ce m

eYee

Ke®e&

11.4

05.22

-6.18

5.69

OtherIncome

Flej

GlH

evve

339.

2933

0.22

-9.07

369.85

DepreciationonFixed

Ass

ets/c

ee}ce

llee

Iemeej

e874.99

937.18

62.1

910

30.9

0B

ad d

ebts

Pro

v. W

ritte

n Back/y

egef[le

Je me

bMeef³

ele

keÀpe

& efveO

eerletve

pec

ee16

0.00

148.27

-11.73

160.

00

Electricity&W

ater

Cha

rges

/efJe

pe Je

HeeC

eer efye

}31

4.19

300.18

-14.01

330.

20

Postage&Telephone

Expenses/H

eesmìsp

e Je

ìs}erHe

Àesve

145.95

191.

6145.66

208.85

Advertisem

ent&

Marketing

peeefn

jele,

men

keÀej

Je He

´®eej

252.67

180.64

-72.03

300.

10

VehicleExpenses/

Jeenv

e Ke®e

&25.36

26.51

1.15

29.1

6

Bud

gete

d Pr

ofit a

nd L

oss

Acc

ount

for

the

year

201

7-18

31

cee®

e& 20

18

®es G

lHev

ve Je

Ke®e

e&®es D

eboep

e He$

ekeÀ

(`inLakh)

49

Trav

ellin

g, M

isce

llane

ous

Expenses&Repairs

He´J

eeme K

e®e&,

efkeÀj

keÀesU

Ke®e

&, efke

ÀjkeÀ

esU o

gjÀml

eer

426.

66517.39

90.73

563.96

Ser

vici

ng C

harg

es

meefJn

&efmebi

e ®eep

exme

176.79

218.01

41.2

2239.81

BranchOpeningExpenses

µeeK

ee Go

dIeeìv

e Ke®e

&30.74

14.74

-16.00

35.64

MIC

R C

hequ

e P

roce

ssin

g C

harg

es/

cee³

ekeÀj

He´esm

esefmebi

e Ke®e

&22.80

25.23

2.43

27.75

Sec

urity

Ser

vice

Cha

rges

efm

eke̳e

gefjìe

r meefJ

n&me ®

eepexm

e170.73

221.38

50.65

203.52

Aud

it Fe

es

efnµe

esye l

eHeem

eCeerm

e HeÀe

r61

.92

77.46

15.54

85.21

Gra

tuity

/me

sJee Je

sleve e

fveOeer

107.27

81.44

-25.83

89.58

Bad&DoubtfulD

ebt.

Pro

visi

on/

mebµe

ef³ele

Je ye

g[erle

keÀpe

e&®ee J

e J³e

epee®

ee efve

Oeer

1350.00

1400

.00

50.00

1650.00

Spe

cial

Res

erve

Fun

d /

mHesM

eue e

fjPeJn

& HebÀ[

(Sec

tion

36(1

)(vi

ii)of

IT A

ct, 1

961)

73.00

75.00

2.00

75.00

InvestmentD

ep.&

Other

Fund

/ie

bgleJeC

etkeÀ ®

e{Gl

eej

Je Fl

ej efv

eOeer

418.25

205.51

-212.74

226.

06

Bad

Deb

ts W

ritte

n of

f/yege

f[le k

eÀpe& e

fveue

xefKele

160.

00148.27

411.52

160.

00

ProfitbeforeIncomeTax

/ keÀj

Deek

eÀejC

eerHetJe

era®ee v

eHeÀe

5124.43

6902

.14

1777.71

7186.44

IncomeTaxprovision

Dee³

ekeÀj

lej

leto1700.00

2170.00

470.00

2250.00

ProfitafterIncom

eTax

keÀj

Deeke

ÀejCe

erveblej

®ee

efveJJ

eU v

eHeÀe

3424

.43

4732.14

1307.71

4936

.44

TOTA

L `

SketÀ

Ce `

30

994.

6333

938.

9829

44.3

537

047.

13TO

TAL

`

3099

4.63

3393

8.98

2944

.35

3704

7.13

50

PROGRESS DURING LAST 10 YEARS

ceeieerue 10 Je<ee&le yeBkesÀ®eer Peeuesueer Òeieleer ( ` in lakh)

Yearmeve

ShareCapital Yeeie Yeeb[Jeue

DepositsþsJeer

Loansefouesueer keÀpex

ReserveFund &Other ReservesiebieepeUerJe Flej

No. ofShareholdersmeYeemeo mebK³ee

Net ProfitefveJJeU veHeÀe

Dividendef[Jner[b[

2006-07 1457.17 70488.24 32340.40 10638.84 50871 468.28 15%2007-08 1845.68 88013.54 45535.87 11406.69 54424 1540.16 15%2008-09 2242.75 94341.95 55482.54 13336.83 58096 1743.26 15%2009-10 2534.71 116717.20 60059.64 15199.18 61240 1837.09 15%2010-11 3076.62 139803.30 72207.09 18214.10 65073 2072.32 15%2011-12 3673.96 146049.03 86405.06 21209.72 68837 2130.91 15%2012-13 4253.86 167300.99 99967.46 24103.69 72512 2275.94 15%2013-14 4715.40 183513.10 111224.22 26918.03 74696 2421.75 15%2014-15 5394.09 216783.55 126704.64 29692.14 77738 3066.07 15%2015-16 6394.44 244545.25 154756.43 32210.86 82559 3206.63 15%

2016-17 7362.14 297978.32 177691.03 34618.00 88277 4732.17 12% (Recommended)

Amountwise Loans / jkeÌkeÀce efvene³e keÀpexStatement of Amountwise Disbursement of loan as on 31st March, 2017.

efo. 31 cee®e&, 2017 DeKesj jkeÌkeÀce efvene³e efJelejCe kesÀ}su³ee keÀpee&®eer DeekeÀ[sJeejer

No.¬eÀ.

Amountwise Loan DisbursementjkeÀcesvegmeej keÀpe& JeeìHe

Total Borrowers

SketÀCe keÀpe&oej

Total mount

(` in Lakhs)SketÀCe jkeÌkeÀce

` }eKeele

PercentageìkeÌkesÀ

1 Upto `5,000/- `5,000/-He³e¥le 35 1.62 0.01

2 `5,001/-to`15,000/- `5,001/-les `15,000/- 314 34.44 0.02

3 `15,001/-to`50,000/- `15,001/-les `50,000/- 2703 809.89 0.45

4 `50,001/-to`1Lakh `50,001/-les ` 1 ueeKe 3971 2548.83 1.43

5 Above `1Lakhto`5Lakh ` 1 ueeKee®es Jej les ` 5 ueeKe 14522 29799.09 16.77

6 Above `5Lakhto`20Lakh `5ueeKee®es Jej les ` 20 ueeKe 6178 43722.75 24.61

7 Above `20Lakh ` 20 }eKeeJejer} 1703 100774.41 56.71

SketÀCe 29426 177691.03 100.00

51

Purposewise Loans / GÎsMe efvene³e keÀpexStatement of Purposewise Disbursement of loan as on 31st March, 2017.

efo. 31 cee®e&, 2017 DeKesj GÎsMe efvene³e efJelejCe kesÀ}su³ee keÀpee&®eer DeekeÀ[sJeejer.

No.¬eÀ.

PurposekeÀejCe

Total Borrowers

SketÀCe keÀpe&oej

Total Amount (` in Lakhs)SketÀCe jkeÌkeÀce

` }eKeele

PercentageìkeÌkesÀ

1 Allied Agriculture µesleerHetjkeÀ 72 399.22 0.22

2 Small Scale }IegGÐeesie 653 35552.94 20.01

3 Transport JeenletkeÀ 5989 24076.31 13.55

4 Business&Industry J³eeHeej Je GÐeerce 2980 40523.63 22.81

5 Self Employed mJe³ebjespeieej 1556 6816.49 3.84

6 Education efµe#eCe 1502 2997.62 1.68

7 LoanagainstImmovableProperty

mLeeJej ceeuecelles®³ee leejCeeJejerue keÀpex

3304 42782.19 24.08

8 Debts Repayment yeensjer} keÀpe& HesÀ[ 7231 10720.73 6.03

9 Marriage }ive meceejbYe 210 302.94 0.17

10 Personal&Others Jew³eefkeÌlekeÀ Je Flej 2412 4754.92 2.68

11 House Repairs IejogjÀmleer 3517 8764.04 4.93

SketÀCe 29426 177691.03 100.00

Loans to Director / Relatives / CEO - 31/03/2017

(RsinLakhs)Sr No

Name of Director Name of Borrower Relationship Type of Facility

Sanc. Limit O/S Bal Nature of

SecuritySecurity Amount

1 POPERESANJAYVITTHAL POPERESANJAYVITTHAL SELF Overdraft

Loan

9.60 7.61 OwnedF.D 12.00

2 POPERESANJAYVITTHAL POPERESANJAYVITTHAL SELF TermLoan 11.00 10.13 Equitable

Mortgage of

Shop

30.87

3 PATILRAVINDRAKASHINATH PATILRAVINDRAKASHINATH SELF TermLoan

against F.D

0.50 0.55 OwnedF.D 1.00

21.10 18.29

52

meYeemeoeb®³ee ceeefnleerkeÀjerlee

1. yeBkesÀuee DeeheCeeme yeBkesÀ®³ee efJeefJeOe mesJee, megefJeOee ³eeb®eer ceeefnleer osC³eekeÀjerlee meJe& meYeemeoebveer Deeheuee mebhetCe& hellee, ceesyeeF&ue vebyej, Fcesue Dee³e[er, he@vekeÀe[& vebyej, DeeOeejkeÀe[& vebyej DeeJeM³ekeÀ l³ee keÀeieohe$eebmeesyele ÐeeJee.

2. yeBkesÀ®³ee GheefJeOeervegmeej DeeheCeeme DeeJeM³ekeÀ l³ee YeeieYeeb[Jeuee®eer OeejCee keÀjCes DeeJeM³ekeÀ Deens. Dev³eLee Deeheues meYeemeolJe jÎ nesT MekeÀles. GheefJeOeer ¬eÀ. 11 a (ii) vegmeej meYeemeoebveer ` 50/- ®es 20 Jemetue Yeeie OeejCe keÀjCes DeeJeM³ekeÀ Deens. Dev³eLee l³eeb®es meYeemeolJe jÎ nesT MekeÀles. cnCetve p³ee meYeemeoebveer 20 Jemetue Yeeieehe³e¥le Deeheues Yeeb[Jeueer Jee{efJeues vemesue l³eebveer efkeÀceeve 20 Jemetue Yeeie I³eeJesle.

3. µesDej meefì&efHeÀkesÀì ves}s vemeu³eeme yeBkesÀ®³ee p³ee µeeKesceOetve meYeemeo Pee}ele l³ee µeeKesletve keÀe³ee&}³eerve JesUsle IesTve peeJes.

4. p³ee meYeemeoebveer DeeHe}e ceeieer} Je<ee¥®ee }eYeebµe Iesle}e vemes} l³eebveer meoj }eYeebµe IesTve peeC³ee®eer lJeje keÀjeJeer. }eYeebµee®³ee leejKesHeemetve leerve Je<ee&le ve Iesle}s}e }eYeebµe jeKeerJe efveOeerceO³es Jeie& kesÀ}e peelees ³ee®eer veeWo I³eeJeer.

5. meYeemeoebvee DeesUKeHe$e efceUC³eemeeþer l³eebveer oesve HeÀesìesmenerle efJeefnle vecegv³eele DeeHeues Depe& peJeU®³ee MeeKesle meeoj keÀjeJesle.

6. DeeHeu³ee Hell³eeceOeerue yeoue lemes®e Jeejme DeLeJee veeceefveoxMeveeceOeerue yeoue yeBkesÀ®³ee peJeU®³ee MeeKesle DeLeJee cegK³e keÀe³ee&ue³eele lJejerle uesKeer keÀUJeeJesle.

7. efjPeJn& yeBkesÀves yeBkeÀsleer} meJe& Keelesoejebvee þsJeeRkeÀjerlee Jeejme vesceC³ee®eer HejJeeveieer efo}s}er Deens. Jeejme vesceCegkeÀer®es HeÀe@ce& µeeKeebceO³es GHe}yOe Deensle. meYeemeo Keelesoejebveer yeBkesÀle Deme}su³ee DeeHeu³ee þsJeeRvee lJeefjle Jeejme vesceC³ee®eer o#elee I³eeJeer.

8. efjPeJn& yeBkesÀ®³ee efveoxMeevegmeej meJe& Keel³eeb®eer kesÀJee³emeer Hetle&lee keÀjCes DeeJeM³ekeÀ Deens. ie´enkeÀebvee efJevebleer Deens keÀer DeeHeCe kesÀJee³emeer Hetle&lee kesÀueer vemeu³eeme ueJekeÀjele ueJekeÀj leer HetCe& keÀjeJeer. kesÀJee³emeer Hetle&lee ve kesÀuesu³ee Keel³eebJejerue [syeerì J³eJenej ieesþefJeC³eele Deeuesues Deensle.

9. Yeejle mejkeÀej®³ee veesìerefHeÀkesÀMeveÒeceeCes meO³ee®eer Je YeefJe<³eele GIe[Ceejer meJe& Keeleer DeeOeeve vebyej Je he@ve vebyejMeer fo. 31.12.2017 hetJeea mebueefivele keÀjC³eele ³eeJeerle. peer Keeleer efo. 31.12.2017 hetJeea DeeOeej vebyej Je he@ve vebyejMeer mebueefivele nesCeej veenerle leer Keeleer l³eeveblej ieesþefJeC³eele ³esleerue.

10. yeBkesÀ®³ee GheefJeOeer ¬eÀ. 13 (d) vegmeej meYeemeoebvee efJevebleer keÀjC³eele ³esles keÀer, l³eeb®es meYeemeolJe ®eeuet þsJeC³eemeeþer l³eebveer yeBkesÀ®³ee Keeueerue keÀesCel³eener megefJeOes®ee GheYeesie I³eeJee. Dev³eLee l³eeb®es meYeemeolJe jÎ kesÀues peeF&ue.

(1) keÀesCel³eener ÒekeÀej®³ee þsJeer DeLeJee keÀpe& DeLeJee SìerSce keÀe[&, F&öyeBkeÀeRie megefJeOee, uee@keÀj megefJeOee, jsefceìvme megefJeOee ³eehewkeÀer keÀesCeleerner megefJeOee melele oesve Je<ee&keÀjerlee Jeeheju³ee Demeu³ee heeefnpesle.

(2) ye®ele Keel³eele keÀceerle keÀceer ©. 100/- efMeuuekeÀ DemeeJeer efkebÀJee,

(3) ®eeueg Keel³eele keÀceerle keÀceer ©. 500/- efMeuuekeÀ DemeeJeer efkebÀJee,

(4) yeBkesÀceO³es Flej keÀesCel³eener þsJeer Keel³eele keÀceerle keÀceer ©. 100/- jkeÌkeÀce DemeeJeer efkebÀJee

(5) keÀesCel³eener ÒekeÀej®es keÀceerle keÀceer ©. 5000/- ®es keÀpe& DemeeJes efkebÀJee

(6) yeBkesÀ®³ee Flej keÀesCel³eener keÀceerle keÀceer ©. 500/- ®³ee megefJeOee cnCepes®e uee@keÀj megefJeOee, jsefceìvme megefJeOee Fl³eeoer.

11. yeBkeÀ heg{erueÒeceeCes “ef[peerìue mesJee“ osle Deens. Goe. Yeejle efyeue hesceWì efmemìerce, (2) ³egheerDee³e, (3) F&ökesÀJee³emeer, (4) Fbìjvesì yeBkeÀeRie, (5) ceesyeeF&ue yeBkeÀeRie, (6) SmeSceSme yeBkeÀeRie, (7) meJe& ÒekeÀej®eer ©hes keÀe[&med (8) F&ökeÀe@ceme& megefJeOee. meJe& meYeemeoebvee efJevebleer Deens keÀer l³eebveer ³ee megefJeOeeb®ee ueeYe IesJetve “uesme ke@ÀMe ef[peerìue yeBkeÀeRie“ Ghe¬eÀceeme ceole keÀjeJeer.

12. meYeemeoebvee efJevebleer keÀjC³eele ³esles keÀer, l³eebveer Deeheu³ee DeesUKeer®³ee J³ekeÌleeR®eer pes yeBkesÀ®es mebYeeJ³e Keelesoej nesT MekeÀleele DeMeeb®eer ceeefnleer peJeU®³ee MeeKesle ÐeeJeer.

13. yeBkesÀ®³ee J³eJemee³e Jee{er®³ee o=<ìerkeÀesveeletve meYeemeoebveer kesÀuesu³ee meg®eveeb®es yeBkeÀ mJeeiele keÀjsue.

Information to Members1. Pleaseprovide/updateyouraddress,mobilenumber,emailID,

PAN Card No., Aadhar Card No., alongwith required documents to serve you in a better manner by giving updated information relatingtovariousproducts/servicesandSMSalertsinrespectof banking services.

2. Please note that you have to hold the shares as per the provisionsofamendedBye-Lawsotherwisemembershipwillbecancelled.As per Bye-LawsNo. 11, a (ii) themember has tocontribute for 20 paid up share of `50/-each,failingwhichtheywill cease to be the members of the bank. Hence those members who have not contributed 20 shares are requested to enhance their shareholding to 20 shares.

3. Themembers,whohavenot collected their sharecertificates,may collect the same from respective branch during their working hours.

4. The members, who have not received the dividend for last year are requested to collect the same. Please note that the dividend if not collected within 3 years from the date of declaration is transferred to Reserve Fund.

5. Togettheidentitycard,membershouldsubmitanapplicationinprescribed form along with 2 latest photographs at the nearest branch.

6. Any change in name, address or nomination of the member should be intimated in writing to the nearest branch or Head Officeimmediately.

7. ReserveBankof Indiahaspermitteduseofnominationfacilityfor the deposits. Nomination forms are available in all branches. All the account holders and members are requested to register nominations for their deposits at the earliest.

8. AsperRBIguidelines,alltheaccountsmustbeKYCcompliant.The members are requested to comply with KYC formalities, if not complied. Debit transactions are freezed in Non-KYCaccounts.

9. As per government of notification, all the existing and futureaccountsshouldbelinkedtoAadharNoandPANNo.before31-12-2017.ThoseaccountsnotlinkedtoAadharNo&PANNowillbeblocked31-12-2017untiltheywillbelinked.

10. AsperBye-LawsNo.13(d),themembersarerequestedtoavailany of the following banking facility to continue as member of the bank, failing which they will discontinue as the Member of the bank.

i) has used any of the services of the bank i.e. any type of deposit, loan, any other services likeATM Card, e-banking facility,locker facility, remittance facility etc. for two consecutive years.

ii) has kept balance in Saving Bank of at least `100;oriii) haskeptbalanceinCurrentA/c.ofatleast`500;oriv) has kept other type of deposits of at least `1000;orv) has availed any type of loan of at least `5000;orvi) has used any other services of the bank such as locker facility,

remittance facility, etc at least `500.11. Bank has started providing following digital products (a) BBPS,

(b) UPI, (c) E-KYC, (d) Internet Banking, (e)Mobile Banking,(f)SMSBanking, (g)All typesRuPayCards, (h)E-Commercefacility. All members are requested to avail above facilities and help “less cash” “digital banking”.

12. Members are requested to give references of prospective customers to the nearest branches for availing banking facilities from us.

13. Members may also send any suggestions for important of the business of the bank

53

BRANCH LIST

No. Branch name & Address Telephone No. Branch name & Address Telephone 0 Head Office

Sahakarmurti Gopinath Shivram Patil Bhavan,Parsik Nagar, Kalwa, Thane - 400 605.

022-25456500 022-25456601

14 Murbad Branch Congress Bhavan Building, 1st floor, Murbad, Thane. 421 401

02524-222183 9223680001

0 Head Office Clearing Dept: Nasheman Building, 1st Floor, station Road, Kalwa,Thane , - 400605

25424677 15 Airoli Sector - 5 BranchShivsamartha Sah. Pathpedhi Ltd., Ground floor, Plot No. 23A, Sector - 5, Airoli, Navi Mumbai - 400 708.

27794883 27794976

1 Kalwa Branch Creek View Apartment, 1st floor, Bombay Pune Road, Kalwa, Thane - 400 605.

25378350 25426471 25447981

16 Naupada Branch Hemendra Shopping Centre, 1st floor, Gokhale Road, Naupada, Thane - 400 602.

25364707 25379058

2 Belapur Branch Bhau Patil Building, Belapur - 400 614.

27572628 27576273

17 Parsik Nagar BranchSahakarmurti Gopinath Shivram Patil Bhavan, Ground floor, Parsik Nagar, Kalwa, Thane - 400 605.

25456551 25456547

3 Koparkhairne BranchPlot No. 80, Sector No. 5, Koparkhairne - 400 709.

27541916 27546680

18 Nerul Phase - II Branch Plot No. 28B, Sector No. 10, Nerul Opp. Sarsole Bus Stop, Navi Mumbai - 400 708.

27716864 27718739

4 Majiwade Branch High Street cum Highland Corporate Center, Ground floor, GB-149, Near Big Bazar, Majiwade, Thane (W) 400607

25420359 25430777

19 Kasarvadavali BranchPurushottam Plaza, Bldg. No.1, first floor, Ghodbandar Road, Kasarwadavali, Thane - 400 607.

25970629 25973202 65269536

5 Kharkar Ali BranchShop No . 1,2, 3, 4 &5 ,1st Floor, Ramdas Tower, Bazar Peth , Near Jambhali Naka, Kharkar Ali, Thane. 400 601.

25369037 25375197

20 Padagha BranchMasaheb Meenatai Thakare Complex, Padagha Bazar Peth, Tal. Bhiwandi, Dist. Thane. 421101

02522 - 268203 649958

6 Nerul Nagar BranchPlot No. 4B, Sector No. 3, Nerul, Navi Mumbai - 400 706.

27707559 27707654

21 Kalyan BranchPyara-Deck Building, Gala No. 5 & 6, Opp. Birla College, Mhada Plot No. C - 1, S. No.42A, Tal : Kalyan, Dist: Thane - 421301

0251 - 2316846 0251-6506846

7 Bhiwandi BranchSairam Apartment, 1st floor, Kaneri, Dhamankar Naka, Bhiwandi. Pin code - 421 302.

02522-225257 229540

22 Kalher BranchShetkari Unnati Mandal, Parshuram Dhondu Taware Vidyalaya, Tal. Bhiwandi, Dist. Thane – Pin – 421 302.

02522-276688 02522-646696

8 Louiswadi BranchSurabhi Apartment, Ground floor, Louiswadi, Thane. -400 604.

25837982 / 25811096

23 Vadakhal Branch Sai Ashirwad Complex, 1st floor, Vadakhal Naka, Tal. Pen, Dist. Raigad. P I N – 402 107.

02143-269138

9 A.P.M.C. Market Branch Central Facility Building, A.P.M.C. Market, Sector 19, Vashi, Navi Mumbai.-400 709.

27654035 27891089

24 Kalbadevi Branch30 /32, Ramwadi, Prabhu Sunder Co.Op.Hsg. Society, Kalbadevi Road, Purushottam H. Purohit Marg, Mumbai - 400002.

22037080 22057080

10 Kharigaon BranchJay Bharat Sports Club Building, Kharigaon, Pakhadi, Post. Kalwa, Dist. Thane- 400 605.

25413268 25392134

25 Pune BranchShowroom No. 1, Ground floor, Treasure Park, J Building, Survey No. 61, Sant Nagar, Parvati, Pune - 411 009.

020 -24203344

11 Airoli Sector - 1 BranchShop no 1 to 6,Sanjeevani Vrundavan,Plot no.38,sec 19,Airoli,Navi Mumbai.400708

27790662 27796890

26 Nashik Branchshop no 10,11 Shree Tirumala plaza, opp Atul Dairy, upendra Nagar , CIDCO Nashik -422009

0253-2380345

12 Koparkhairne Sector - 17 BranchSector No. 17, Dnyan Vikas Sanstha Vidyalaya, Koparkhairne Village-400 709.

27546051 27546059

27 Uran BranchHouse No. 72, 1st floor, Kot Naka, Uran, Dist. Raigad - 400 702.

27230505 / 27230507

13 Sanpada BranchPlot No. 7, Sector - 5, Sanpada, Navi Mumbai - 400 705.

27754939 27752278

28 Bhayandar BranchHall No. 1 & 2, Shree Vinayak Building, 1st floor, Sarvodaya Complex, Bhayandar (E) - 401 107.

28126500 60026501

54

29 Main Branch (Adat Peth)Devki Building, Adat Peth, Main Road, Near Bargale Hospital, Ichalkaranji - 416 115

0230 - 2430334 0230- 2434696

43 Mulund BranchPrem Vishnu Apartment, Shop No. 1 and 2, Chaphekar Bandhu Marg, Mulund E, Mumbai - 400081.

022- 21639761 022-21639762

30 Korochi BranchNr. Bus-stand, Main Road, At-post Korochi, Tal.-Hatkanangale Ichalkaranji - 416 115

0230 - 2402031 0230-2402067

44 Saba (Diva) BranchDhanraj Shopping Centre, Ground floor, Saba (Diva) Thane – 400 612.

022 - 25318823 65655665

31 Mankoli BranchShop No. 101 to 105, First Floor, Shree Krushna Commercial Complex, New Survey No. 5, Hissa No. 4/D, Old Survey No. 136/4 (P) Mauje Mankoli, Post- Anjur - Tal- Bhiwandi, Dist- Thane. 421302

02522-266600 02522-653385

45 Talegaon Branch Shop No.1,2,3, Ground Floor Satyakamal Colony, Plot No.19 , S.No.61 (New) Talegaon , Dabhade, Dist -Pune -410507

27705448 27705441

32 Panvel BranchGB-NEA-107, Sai Arcade, Ground floor, Opp. Panvel Bus Stand, Panvel, Dist. Raigad. 410 206

27451867 27456817

46 Vasai Branch Shop No. 31,32,33,34,35, Yashwant Viva Township, Sector 4, Durvas Tower, Achole, Tal: Vasai (E), Thane 401202.

250- 3298914 250- 3298915

33 Kamothe BranchShivparvati Building, Plot No. 5A, Sector No. 11, Kamothe, Navi Mumbai – 410 209.

27430751 27430752

47 Vitawa BranchShop No. 1, Vishram Co.Op. Hsg. Society, Vitawa, Kalwa, Thane – 400 605.

65321444 / 65301444

34 Shahapur BranchSaiplaza Building, 1st floor, Shahapur Bus Stand (Pandit Naka) Shahapur (Gotheghar) Tal. Shahapur, Dist: Thane - 421601

02527-270097 02527-270096

48 Navade BranchShop No. 1-2, Dev Srushti Building, Navade Phata, Opp. Navade Grampanchayat, Dist. Raigad, Navade - 410208.

022-65642333

35 Kharghar BranchShop No. 20, 21, ground floor, Shree Balaji-Krupa Co.Op. Society, Plot No. 19A, Sector – 20, Kharghar, Navi Mumbai - 410210

27744943 27744942

49 Dombivali BranchShop No. 2,3,4 & 5, Ground Floor,Suchit Square, Village Ayare, Dr. R.P. Road, Dombivali (East) Thane - 421201.

0251-2862226 0251-2862228

36 Ghansoli Branch House No. 0336, Sector GHA, Node : Ghansoli, Navi Mumbai -400 701, Tal. Dist. Thane.

27693171 27693117

50 Ulwe BranchShop No.4 & 5, Ground floor, KK landmark bldg Plot No.82, Sector-23 E, In Front of Vahal Gaon Bus Stop, Ulwe , Tal. Panvel ,Dist -Raigad -402303

265555077

37 Badlapur BranchShop No. 8, 9, 32, C-Block, Shreeji Building, Katrap Gaon, Badlapur (East) 421 503.

0251-2691225 0251-6481225

51 Ambernath Branch Shop No.1, Ground floor, “Royal Jewels”, Suryodaya Co-operative Housing Society Limited, Plot NO.19, Village Kohoj, Khuntavali ,Tal. Ambernath Dist-Thane Pin code- 421501

0251-2604050

38 Vasind BranchShop No. 7 to 10, Ground floor, Rohini Apartment, Padmashri Tarmale Nagar, Vasind, Tal. Shahapur, Dist. Thane - 421301.

02527-222981 9272207077

52 Bhandup BranchShop No. 6,7 & 8, Ground floor “Sachdev Complex” J.M.Road, Bhandup (W) - 400 078.

65336500 25947079

39 Waghbil BranchShop No. 1 & 2, Ground floor, R-Plazia, Near Swastik Rigalia, Kavesar, Ghodbunder Road, Waghbil, Thane - 400615.

25975108 25975109

53 Dahisar BranchShop No. 1 & 2 Ground floor, “Hareshwar Paradise”, Kandarpada,, New Link Road, . Opp. Pramila Nagar Dahisar (West), Taluka. Borivli, Mumbai Suburban, Mumbai-400068

28903517

40 Bhiwandi - Shivaji Chowk Branch At A-101, President Plaza, Shivaji Chowk, Bhiwandi, Dist. Thane. 421 302.

02522 - 225255 02522-225256

54 Karjat Branch Ground floor, Parshvanath Tower, Survey No. 27A, 27B, Mahavir Peth Road Karjat, Dist-Raigad, Code:- 410201

02148-223353

41 Shilgaon BranchShivkrupa Building, First floor, Survey No.210/7, 8, Shilgaon, Post. Padle, Dist: Thane - 421204.

65651110 65651192

55 Kon BranchShop No.101 & 102, first floor Shri Pragati Royal Building A wing, “Kalyan-Bhiwandi Road, Kon, Tal-Bhiwandi, Dist-Thane Pin code- 421311

02522-280034

42 Turbhe BranchVimal Smruti, Ground floor, Plot No. 467 B, Sector – 22, Turbhe, Navi Mumbai – 400 703.

27831170 27831171

56 Vashi Branch Apartment No. F-3B-1 Rainbow Apt on first floor, Plot No.6, Sector-10, Vashi, Navi Mumbai, Tal Dist. Thane Pin Code:- 400703

27882916

55

57 Nilje Branch Shop No. 18,19,20,,21 Ground floor, C-wing, “Om Residency Lodha Heven, Kalyan-Shil Road, Katai-Nilje, Tal. Kalyan , Dist . Thane -421204

2513244886 68 Kolhapur Branch Shop No 1&2 , Grd Floor , Damodar Heights Building , C.S. No 2026/01 8th Lane, Rajarampuri , E-ward , Kolhapur -416008

0231-2530555

58 Vartak Nagar Branch Shop No. B, first floor, “Tamanna Co-op. Hsg. Society”, Plot no. 27, Lokmanya Nagar-2, Vartak Nagar, Thane (West) Pin Code:- 400606

25880007 69 Bhavani Peth Branch Shop No. 1& 2, Ground Floor, Bhandari Palesha Mansion, C.T.S.No.16 , Bhavani Peth, Tal. Haveli, Pune -411042

020-26386688 / 020-26385588

59 Kalyan East Branch Shop No. 5, 6 and 7 ground floor, “Vivan Heights”, A wing, Pune - Link Road, Tisgaon, Kalyan East Dist:- Thane Pin Code:- 421306.

2512355422 70 Nere Branch Shop No. 3,4,5,6&7, Ground Floor, Sainik Apartment -II, Hissa No.06, Gate No.178 , Village Nere Panvel Matheran Road, Tal. Panvel, Dist . Raigad -410206

02143-238254

60 Mapusa Branch Shop No.S-10,S-11,S-12,Ground floor, Kalvekar Tower Co-operative Housing Society Ltd., Chalta No.66, Xim, Khorlim,Ansabhat, PTSheet No.131, Tal. Bardez, Mapusa,Goa-403507

0832-2255330 71 Ghatkopar Branch Shop No.1 ,Ground Floor, Sapphire Arcade Premises Co-operative Society Ltd. Plot No42 C.T.S.NO 5888-B, M.G.Road , Ghatkopar East, Mumbai-400077

022-21020421

61 Margao Branch Shop No.3 & 4, Municipal House No. 4/3179 & 4/3180, Ground floor, Elite Exclusive Building, Aquem Alto, Babu Naik Road, Margo, South Goa-403601

0832-2756234 72 Chembur Branch Shop No.2&3 Ground Floor, Ashish Chambers , Ashish Theatre , Plot No. 105/8, Maravali Village, Mahul Road , Chembur (East)-400074

022-25330031/ 022-25330032

62 Panchvati Nashik First Floor ,Motumal Dandumal Kalro Trust Nashik, City Survey No.5869 A3B -1B ,K.N. Kela Road, Panchvati Karanja,Nashik -422003

0253-2629000 73 Talegaon Branch Shop No.1,2,3, Ground Floor Satyakamal Colony, Plot No.19 , S.No.61 (New) Talegaon , Dabhade, Dist -Pune -410507

7709111123

63 Borivili Branch Shop No.2, Ground floor, Sai Leela Co-Operative Premises Society Ltd., S.V.Road, Borivali (West), Mumbai:- 400 092

022-28010905/ 022-65681122

74 Chakan Branch Shop No.2,5,5A, 6 & 6A, Ground floor, Kohinoor Centre Building No. A, New Gut No. 1281, Plot No. 1 , Shiwaji Chowk, Nashik Road, Chakan Village,Taluka Khed, Dist. Pune-410501

02135-249334 /0231-249335

64 Malad Branch Shop No.25, Ground floor, ‘LEVELS’, Building No.6, Khot Dongri, Rani Sati Marg, Malad (East), Mumbai:-400 097.

022-65657595 / 28748696

75 Alibag Branch Shop No. 7&8 , Alibag Pride Co.operative Housing Society, C.T.S.No.780, K780,733B/1,733B/2,Mahavir Chowk -Gharat Ali Road, At Alibag District -Raigad -402201

65 Kalamboli Branch Shop No. 13-14, Ground floor, Matruchhaya Heritage CHS Ltd, Plot No.21, Sector-11, Kalamboli, Navi Mumbai-410 218

022-27422420BRANCHES OPENED AFTER 01.04.2017

66 Kanjurmarg Branch Unit No. 2A, Wing No 2, Ground floor, Saraogi Estate, Hanuman Silk Mills Compound, L.B.S Marg, Kanjurmarg (West), Mumbai:- 400 078.

022-25777273 76 Khopoli Branch Shop No.3 Ground Floor ,Jagannath Complex, Survey No.3878(P), CTS No.3879,3880,House No 64,65,Bhanvaj Village , Khopoli , Tal. Khalapur, Dist. Raigad 410203.

02192-268855 / 02192-269855

67 Taloja Branch Shop No. 1,2,3, Ground floor, Shree Smaran Building, Plot No.34-35, Sector-11, Pachnand Taloja, Tal-Panvel, Navi Mumbai-410208.

32330300 77 Pimpri Branch Shop No.5,6 &7, Ground floor, Delux Fortune Building, Survey No.2520,2521,2521/1 to 22, Pimpri, Dist.Pune-411017

78 Sangli BranchShop No.1, Ground floor, Mehta Arcade, 737, Ganpati Peth, Sangli -416416.

0233-253203

56

yeBkes˨es veebJe Name of the Bank Gopinath Patil Parsik Janata Sahakari Bank Ltd., (Multi State Scheduled Bank)

cegK³e keÀe³ee&}³e Hellee AddressofHeadOffice Sahakarmurti Gopinath Shivram Patil BhavanParsikNagar,Kalwa,Thane-400605.

veeWoCeer ke´ÀceebkeÀ Registration No. MSCS/CR/1213/2015.

efoveebkeÀ Date 26thMarch,2015

efjPeJn& yeBkeÀ }e³emevme vebyej RBILicenceNo. UBD.MH 639 P

efoveebkeÀ Date 11thNovember,1986

keÀe³e&#es$e AreaofOperation EntireMaharashtra,Goa&KarnatakaStates

leHeefµe} Details Ason31stMarch,2017

cegK³e keÀe³ee&}³eemen SketÀCe µeeKee

TotalBranchesincludingH.O. HeadOffice,75Branches&16ProposedBranches.”

meYeemeo efve³eefcele Regular Members 88277

veececee$e (1) keÀpe&oej Nominal Members (1) Borrowers 5308

(2) peeceerveoej (2) Guarantors 4159

( ` in lac)

Jemet} Yeeie Yeeb[Je} Paid Up Share Capital `7362.14

SketÀCe efveOeer (jeKeerJe Je Flej) ReservesFund&OtherReserves `34618.00

ye®ele þsJeer Saving Deposits `117614.73

®ee}t þsJeer Current Deposits `30337.75

cegole þsJeer FixedDeposits `149913.89

Flej þsJeer OtherDeposits ` 111.96

keÀpex Loans `177691.03

SketÀCe Deie´ke´Àce #es$e keÀpe& He´ceeCe

% of Priority Sector to TotalLoans

66.64%

ogye&} IeìkeÀ keÀpee&®es He´ceeCe %ofWeakerSectiontoTotalLoan 11.54%

keÀpex osCeer Borrowing NIL

iebgleJeCetkeÀ Investment `129550.46

LekeÀyeekeÀer®es He´ceeCe OverduePercentage 1.17%

ie´e@me SveHeerS Gross NPA 2.66%

vesì SveHeerS Net NPA 0(Zero)

Dee@[erì Jeie& AuditClassification ‘’A’’

veHeÀe Profit `4732.17

KesUles Yeeb[Je} Working Capital `362479.30

SketÀCe mesJekeÀ Jeie& Total Staff 763

ANNEXTURE - ‘A’ / HeefjefMe<ì - De