PERFORMANCE

2025

 (Rs. In Crores)

2024

(Rs. In Crores)

Business

2682.02

2821.54

Deposits

1825.92

2017.73

Advances

856.10

803.81

Profit Before Tax

69.98

69.51

Profit After Tax

53.61

49.56

Working Funds

2485.43

2731.62

Owned Funds

475.18

444.20

Per Employee Business

6.45

6.16

Interest Earned

200.78

209.79

Interest Expended

101.12

114.39

Total Income

210.83

216.82

 GROWTH (In Percentages)

Business

-4.94

-14.20

Deposits

-9.51

-13.85

Advances

6.51

-15.06

Profit Before Tax

0.68

206.89

Profit After Tax

8.17

186.14

Working Funds

-9.01

-12.13

Owned Funds

6.97

11.51

Per Employee Business

4.71

-1.44

Interest Earned

-4.29

-8.98

Total Income

-2.76

-12.10

 VITAL RATIOS (Annualised Percentage)

CRAR

44.64

45.17

CD Ratio

46.89

39.84

Gross NPA

4.52

6.04

Net NPA

0

0

Low Cost Deposits

34.90

33.18

Interest exp. to Int. Income

50.36

54.53

Operating exp. to Total Income

18.84

15.18

Return on Assets

2.18

1.89

Particulars

31.03.2025

31.03.2024

-

Rs.

Rs.

CAPITAL AND LIABILITIES

1.Capital

30 44 76 600

31 22 45 260

2.Reserve fund and Other Reserves

431 22 62 496

404 77 97 831

3.Principal/Subsidiary/State Partnership Fund Account

-

-

4.Deposits and Other Accounts

1825 92 13 329

2017 72 82 983

5.Borrowings

-

-

6.Bills for collection being bills receivable as per contra

2 68 779

-

7.Branch Adjustments

-

-

8.Overdue Interest Reserve (As per Contra)

53 40 70 348

61 55 22 337

9.Interest payable

6 72 42 375

7 06 16 846

10.Other Liabilities

39 36 02 999

37 75 11 292

11.Profit and Loss

68 98 72 488

64 66 32 549

TOTAL

2456 10 09 414

2624 76 09 098

PROPERTY AND ASSETS

1.Cash

82 96 61 331

100 02 60 187

2.Balances with other Banks

397 90 51 079

417 73 51 090

3.Money at Call and Short Notice (TREPS)

110 00 00 000

210 00 00 000

4.Investments

866 67 38 100

933 91 62 307

5.Investments out of Principal/Subsidiary/State Partnership Fund Account

-

-

6.Advances

856 10 47 982

803 81 02 750

7.Interest Receivable

i. on Investments

29 67 71 898

34 19 70 821

ii. On Loans and Advances (As per Contra)

53 40 70 348

61 55 22 337

8.Bills receivable being Bills for Collection as per contra

2 68 779

-

9.Branch Adjustments

1 28 78 954

48 98 848

10.Premises less depreciation

34 01 93 674

35 18 96 210

11.Furniture and Fixtures less depreciation

4 89 47 829

7 01 90 097

12.Other Assets

19 13 79 440

20 82 54 451

13.Non- Banking Assets acquired in satisfaction of claims

-

-

TOTAL

2456 10 09 414

2624 76 09 098

Contingent Liabilities

30 40 54 607

29 70 08 792

Particulars

Year ended 31.03.2025

Year ended 31.03.2024

Rs.

Rs.

INCOME

1.Interest & Discount

200 77 54 107

209 78 53 058

2.Commissions, exchange and brokerage

22 01 309

29 16 918

3.Subsidies and donations

-

-

4.Income from non-banking assets and profit from sale of or dealing with such assets

-

-

5.Other Receipts

9 83 57 942

6 74 16 165

TOTAL (A)

210 83 13 358

216 81 86 141

EXPENDITURE

1.Interest on Deposits, Borrowings etc.

101 12 01 884

114 39 17 282

2.Salaries, allowances and Provident fund

28 92 87 022

26 69 05 698

3.Directors' and local committee members' fees and allowances

-

-

4.Rent, Taxes and Lighting, Insurance etc.

10 79 97 964

11 04 09 204

5.Law Charges

13 53 060

5 35 175

6.Postage, telegram and telephonic charges

20 81 252

21 38 921

7.Auditor's Fees

12 90 000

11 90 000

8.Depreciation on repairs to property

4 58 14 970

5 84 98 052

9.Stationery, Printing and Advertisement

1 07 02 229

51 41 997

10.Loss from sale of or dealing with non-banking assets

-

-

11.Other Expenditure

(6 12 32 336)

(11 56 66 699)

12.Income Tax Expenses

-

-

i. Current Tax

13 07 01 754

10 70 48 360

ii. Deferred Tax

4 36 96 000

9 24 98 000

iii. Tax Paid for earlier year

(1 06 50 461)

( 9 904)

TOTAL (B)

157 22 43 338

167 26 06 086

Net Profit/Loss carried to Balance Sheet(A-B)

53 60 70 020

49 55 80 055