Our Financial Status

No. & Date of Registration BOM/BNK/R/411 Dt.11.01.82
No. & Date of RBI Licence ACD/MH-293/P Dt.23.03.82
Jurisdiction Maharashtra State
DICGC Registration No. MH393/43601
DICGC Premium Paid Upto September, 2016.

Main Financial Parameters : As on 31.03.2016

Sr. No. Particulars Mandatory Norms by RBI Maintained by our Bank
1 CRAR 9% 13.05%
2 Net NPA Less than 5% 3.77%
3 Profit Minimum 2 years out of last Three Years Continuous Profit From last 34 Years
4 Maintenance of CRR & SLR Not a single Default Not a single Default
5 Penalty impossed by RBI, if any. NIL NIL

Financial Position of our Bank

    Audited Audited Audited Audited Audited Audited Audited
Sr. No. Particulars 2010 2011 2012 2013 2014 2015 2016
1 No. of Branches 7 9 9 11 11 12 13
2 No. of Members 14640 15754 16671 16922 16862 16893 16946
3 Nominal Members 3696 3686 3434 4041 4260 4504 5063
              (Amt. In Lakhs)  
4 Share Capital 652.82 816.87 1012.28 1180.23 1271.56 1335.05 1462.06
5 Reserve Funds & Other Reserves 3204.58 3413.96 3926.08 4170.46 5365.78 5123.38 5284.11
6 Owned Funds 3857.40 4230.83 4938.36 5350.69 6637.34 6458.43 5930.41
7 Deposits 29467.19 36830.96 42941.31 51385.07 56798.35 60876.34 60858.72
8 Loans & Advances 15881.04 21445.28 26674.62 30635.62 31994.49 32671.10 34721.24
9 Investments 15636.19 17756.03 18841.72 23044.01 26569.66 29394.83 27790.41
10 Working Capital 34617.09 42360.34 48536.54 57527.03 63515.39 67397.91 67612.18
11 Net Profit 201.37 250.53 301.38 401.23 225.14 282.32 151.5
12 Audit Classification A A A+ A A A A
13 Loans to Directors & their Relatives 41.19 58.48 * 16.16 * 12.56 * 11.50 * 10.34 *12.58
14 CRAR % 13.7 14.05 13.12 13.11 12.99 13.13 13.05
15 Gross NPA % 6.72 4.19 4.11 4.61 7.95 6.98 8.08
16 Net NPA % (-)0.76 (-)1.13 (-)0.83 (-)0.00 3.41% 2.40% 3.77%
17 Dividend Declared 15% 15% 15% 15% 12% 10% 5%
18 CD Ratio % 53.89% 58.23% 62.12% 59.62% 56.33% 53.67 57.05

This outstanding advances pertains to loans given to Staff Representatives & Loans given against Fixed Deposits