Financial Information

Financial growth


The business fundamentals of the bank are very strong. This can be seen from our growth charts as well as our growing customer base. The Banks Capital Reserve Adequacy Ratio (CRAR) stood at  19.07%, Gross NPAs are  4.35%, and Net NPAs are 1.65% at the end of last financial year (31 March 2021). The Deposits of the banks crossed over Rs. 3853.59 Crores and Loans & Advances about Rs. 2719.43 Crores by 31 March 2021. The business turnover is about Rs.6573.02 crores.

Financial Indicators


Financial Indicators ( Rs in lakhs)
S.NO Items 31/03/2020 31/03/2021
1 Deposits 352285.42 385358.73
2 Loans 237886.38 271943.01
3 Share Capital 24119.20 25140.37
4 Reserves and surplus 22164.98 26073.20
5 Net Worth 37798.13 43312.00
6 Investments 143180.93 153025.95
7 Profit 3410.95 4511.42
8 Working Capital 405507.00 448824
9 Net Npa Percentage 4.02% 1.65%
10 Net Npas  9370.25 4361.74
11 CRAR 17.50% 19.07%
12 No.of Branches 50 50
13 No.of Extention Counters NIL NIL
14 No.of Employees 478  
15 No.of. Members 87863 90776
16 Permissible Credit Exposure Limit - -
17 Single borrower credit exposure limit 5078.82  
18 Group borrower credit exposure limit 13543.52  

Growth Table: The growth of the bank for the last 10 years


Rs. In Lakhs
Year “A” Class members Share Amount Deposits Growth % Loans Growth % Reserves Profit Div/ Int on SCA
2011-12 41327 4951.13 121628 25.04 87406 20.77 7381 680.04 10% / 10%
2012-13 42040 6718.81 153990 26.61 110358 26.26 7964.55 1020.05 12% / 8%
2013-14 47790 9222.89 190585 23.76 126413 14.55 8895.13 1463.77 12% / 8%
2014-15 53733 11647.38 210835 10.63 143312 13.37 9132.64 2396.58 15%
2015-16 60177 14338.62 225608 7.00 147199 2.71 10053.41 2932.85 15%
2016-17 68783 17338.32 253156 12.21 173722 18.02 11795.77 3128.86 12%
2017-18 75298 19348.40 273056 7.86 197065 13.44 14588.45 3370.51 12%
2018-19 82229 21556.27 311013 13.90 213939 8.56 18664.87 3723.50 12%
2019-20 87863 24119.20 352268 13.26 237886 11.19 22164.98 3410.95 Not Declared /paid due to Covid-19 resturctions by RBI
2020-2021 90776 25140.37 385359 9.39 271943 14.31 26073.20 4511.12 10%
Growth Chart (Deposits) :

The growth of deposits for the last 10 years

Growth Chart (Loans) :

The growth of Loans for the last 10 years.

Growth Chart (Loans & Deposits) :

The growth of Loans & Deposits for the last 10 years.

Growth Chart (Profits) :

Profit for Last 10 Years