Financial
Profit and Loss Account for the Period Ended 31st March, 2025
| Particulars | Schedule | Year Ended 31-03-2025 |
Year Ended 31-03-2024 |
Year Ended 31-03-2023 |
Year Ended 31-03-2022 |
|---|---|---|---|---|---|
| (Current Year) | (Previous Year) | (Previous Year) | (Previous Year) | ||
| 1. Income | |||||
| Interest earned | 13 | 33395026898.5 | 3114830809.05 | 2932846096 | 2765346301 |
| Other income | 14 | 335130860.93 | 86859112.11 | 98381581 | 48739109 |
| Reserves Withdrawn | 0 | 0 | 201856836 | 0 | |
| Total | 3730157759 | 3201689921.16 | 2932846096 | 2814085410 | |
| 2. Expenditure | |||||
| Interest expended | 15 | 3239556944.59 | 2832815835.28 | 2320993369 | 2160859209 |
| Operating expenses | 16 | 509781458.27 | 551143010 | 523562433 | 466661755 |
| Provisions and contingencies | 571277774.82 | 2300401331 | 81729271 | 144182875 | |
| Total | 4320616178 | 5684360177 | 2926285073 | 2771703839 | |
| Profit/Loss | |||||
| Net Profit/loss (-) for the year | -590458418 | -2482670255 | 6561023.02 | 42381571 | |
| Profit/loss(-) brought forward | -2482670255 | 0 | 0 | 0 | |
| Total | -3073128673 | -2482670255 | 6561023 | 42381571 | III. Appropriations |
| Transfer to statutory reserves | 0 | 0 | 3280512 | 21190786 | |
| Transfer to other reserves | 0 | 0 | 3280512 | 21190785 | |
| Transfer to Government/Proposed dividend | 0 | 0 | 0 | 0 | |
| Balance carried over to consolidated balance sheet | 0 | 0 | 0 | 0 | |
Balance Sheet as on March 31,2025
| No | Particulars | Schedule No. | ||||
|---|---|---|---|---|---|---|
| As on 31.3.2025 (Current Year) | As on 31.3.2024 (Previous Year) | As on 31.3.2023 (Previous Year) | As on 31.3.2022 (Previous Year) | |||
| Capital and Liabilities | ||||||
| 1 | Capital | 1 | 3603828849.16 | 3388922283 | 2721716519 | 2381976306 |
| 2 | Reserves and Surplus | 2 | -2645876261.65 | 449669401 | 405618022 | 2972585126 |
| 3 | Deposits | 3 | 14740487418.13 | 14787773215 | 14629098467 | 15287872994 |
| 4 | Borrowings | 4 | 30111568293.76 | 29095604627 | 26725407171 | 23627768437 |
| 5 | Other Liabilities and Provisions | 5 | 7360276898.23 | 6078977844 | 3814084194 | 1272602748 |
| TOTAL | 53170285198 | 53800947370 | 48295924374 | 45542805611 | ||
| S.NO | Assets | |||||
| 1 | Cash and Balances with Reserve Bank of India | 6 | 366750500 | 421635189 | 403548152 | 429183837 |
| 2 | Balances with banks and money at call and short notice | 7 | 3237826136.98 | 2613761682 | 2962857370 | 3303860208 |
| 3 | Investments | 8 | 4008297914.27 | 4170661261 | 3986975303 | 3768887120 |
| 4 | Advances | 9 | 42439746784.83 | 4165449744 | 3908923453 | 3440793628 |
| 5 | Fixed Assets | 10 | 2263480093.20 | 1565651415 | 1572102745 | 1615050915 |
| 6 | Other Assets | 11 | 854183767.82 | 3374788008 | 2811572804 | 2017827187 |
| TOTAL | 53170285198 | 53800947370 | 48295924374 | 45542805611 | ||
| a) Contingent Liabilities | 71762996.46 | 55791996 | 25211717 | 868219 | ||
| b) Bills for Collection | 0 | 0 | 0 | 0 | ||
Financial Particulars for the last five years
| S. No | Particulars | 2020-21 | 2021-22 | 2022-23 | 2023-24 | 2024-25 |
|---|---|---|---|---|---|---|
| 1 | Share Capital | 21225.78 | 23819.76 | 27217.17 | 33889.22 | 36038.29 |
| 2 | Statutory Reserves | 3753.52 | 4146.72 | 4056.18 | 4496.69 | 4272.52 |
| 3 | Own Funds (1 + 2) | 24979.30 | 27966.48 | 31273.35 | 38385.92 | 40310.81 |
| 4 | Deposits | |||||
| a | CASA Deposits | 37709.33 | 41345.57 | 40187.07 | 43287.27 | 37755.28 |
| b | Fixed/RIP Deposits | 110262.11 | 111533.16 | 106103.92 | 104590.46 | 109649.59 |
| c | Total Deposits | 147971.44 | 152878.73 | 146290.98 | 147877.73 | 147404.87 |
| d | % of CASA Deposits | 25.48 | 27.04 | 27.47 | 29.27 | 25.61 |
| 5 | Borrowings | 193641.62 | 236277.68 | 267254.07 | 290956.05 | 301115.68 |
| 6 | Working Capital (3+4+5) | 366592.36 | 417122.89 | 444818.40 | 477219.70 | 477219.70 |
| 7 | Investments | 59540.48 | 63122.61 | 55618.77 | 55953.92 | 61246.44 |
| 8 | of Col.No.7 Investments in Government Securities | 25161.41 | 27187.36 | 28690.58 | 28663.12 | 27375.27 |
| 9 | Loans Issued | 243833.13 | 319492.85 | 357536.86 | 299584.71 | 289376.93 |
| 10 | Loans and Advances | 293547.27 | 344079.36 | 390892.84 | 416544.50 | 424397.47 |
| 11 | Net Profit | (+)64.41 | (-)423.81 | (+)65.61 | (-)24826.70 | (-)30731.29 |
| 12 | Gross NPA | 21644.39 | 19364.83 | 16183.02 | 49787.12 | 73390.02 |
| 13 | Net NPA | 15477.09 | 12970.81 | 9623.01 | 25707.30 | 45604.28 |
| 14 | % of Gross NPA | 7.37 | 5.63 | 4.14 | 11.95 | 17.29 |
| 15 | % of Net NPA | 5.30 | 3.76 | 2.50 | 6.53 | 11.50 |
| 16 | CRAR | 10.62 | 10.51 | 10.54 | 5.57 | 5.04 |
| 17 | Audit Classification | "B" | "B" | "A" | "B" | "B" |