veeWoCeerke=Àle keÀe³ee&ue³e ë- Yeejleer³e ke´Àer[e ...satarabank.net/images/Anual_Report_2016-2017.pdf · efo meeleeje menkeÀejer ye@BkeÀ efue., cegbyeF& 57 Jee Jeeef

efo meeleeje menkeÀejer ye@BkeÀ efue., cegbyeF&

57 Jee Jeeef<e&keÀ DenJeeue meve 2016-2017

1

De.ke´À. efJe<e³e Heeve ke´À.

[df` gMy r

1 Jeeef<e&keÀ meJe&meeOeejCe meYes®eer met®evee 2

2 DeO³e#eeb®es ceveesiele Je cenÊJee®³ee Ieìvee 3

3 yeBkesÀ®ee leeUsyebo DeeefCe DeveglHeeefole keÀpe& lejleto Je Heíeleer®ee DeeuesKe 9

4 þsJeer, jeskeÀ[ Je iegbleJeCegkeÀ 10

5 keÀpe&s, keÀpe& Jemegueer, Deie´ke´Àce keÀpesx Je veHeÀe JeeìCeer 11

6 leHeMeer} 12

7 Heesìefve³ece ogjÀmleer Je ye@BkesÀ®³ee Heíeleer®eer Jeeì®eeue 13

8 Debleie&le efnµesye leHeemeCeermeeb®ee DenJeeue 14

9 JewOeeefvekeÀ uesKeeHeefj#ekeÀeb®ee DenJeeue 15

10 leeUsyebo He$ekeÀ 16

11 veHeÀe-leesìe He$ekeÀ 18

12 HeefjefMe<ì 20

13 ke@ÀMe HeÌuees mìsìcesWì 28

14 efnMesye HeOoleer®eer ceeefnleer 29

15 efjPeJn& yeBkesÀ®³ee met®evesHećeeCes HeéfmeOo keÀjeJe³ee®eer ceeefnleer 34

16 DeboepeHe$ekeÀ 35

17 DeveglHeeefole keÀpe&s Je lejleto 36

veeWoCeerke=Àle keÀe³ee&ue³e ë- Yeejleer³e ke´Àer[e cebefoj, 3 je cepeuee, vee³eieebJe Je[eUe jes[, Je[eUe, cegbyeF& - 400 031.



2

³ee met®evesÜejs yeBbkesÀ®³ee meJe& meYeemeoebvee keÀUefJeC³eele ³esles keÀer, yeBkesÀ®³ee meYeemeoeb®eer 57 Jeer Jeeef<e&keÀ meJe&meeOeejCe meYee, MeefveJeej, efoveebkeÀ 1 peguew 2017 jespeer ogHeejer 4.00 Jee. Yeejleer³e ke´Àer[e cebefoj, 4 Lee cepeuee, vee³eieebJe Je[eUe jes[, Je[eUe, cegbyeF&-400 031 ³esLes Keeueer veceto kesÀuesu³ee keÀecekeÀepeeJej efJe®eej keÀjC³eemeeþer YejCeej Deens. lejer meJe& meYeemeoebveer meYesme JesUsJej npej jneJes ner efJevebleer.

meYesHeg{erue efJe<e³e

1) efoveebkeÀ 6 Dee@iemì 2016 jespeer Peeuesu³ee efJeMes<e meJe&meeOeejCe meYes®es FefleJe=lle Jee®etve keÀe³ece keÀjCes.

2) efoveebkeÀ 31 cee®e& 2017 jespeer mebHeuesu³ee Je<ee&®ee DenJeeue Je JewOeeefvekeÀ leHeemeCeer Peeuesuee leeUsyebo Je veHeÀeleesìe He$ekeÀ Jee®etve mJeerke=Àle keÀjCes.

3) meb®eeuekeÀ ceb[Ueves efMeHeÀejme kesÀu³eeHećeeCes veHeÀe JeeìCeerme ceev³elee osCes.

4) meve 2016-2017 ®³ee Debleie&le Je JewOeeefvekeÀ uesKeeHeefj#ekeÀebveer efouesu³ee leHeemeCeer DenJeeueeJej efJe®eej efJeefvece³e keÀ©ve mJeerke=Àle keÀjCes.

5) meve 2015-16 ®³ee JewOeeefvekeÀ uesKeeHeefj#eCe DenJeeue oes<e ogjÀmleer®eer veeWo IesCes.

6) meve 2017-2018 keÀjerlee Debleie&le efnMesye leHeemeCeermeeb®eer vesceCetkeÀ keÀjCes Je l³eeb®ee cesnveleevee þjefJeCes.

7) meve 2017-2018 keÀjerlee JewOeeefvekeÀ uesKeeHeefj#ekeÀeb®eer vesceCetkeÀ keÀjCes Je l³eeb®ee cesnveleevee þjefJeCes.

8) meb®eeuekeÀ ceb[Ueves meve 2017-2018 ®³ee meeoj kesÀuesu³ee Deboepe He$ekeÀe®eer veeWo IesCes Je meve 2016-2017 ³ee Je<ee&le DeboepeHe$ekeÀer³e

lejletoerHes#ee peeoe Peeuesu³ee Ke®ee&me cebpetjer osCes.

9) yeg[erle ³esCes jkeÀceeb®³ee efveue&sefKekeÀjCeeme ceev³elee osCes.

10) meb®eeuekeÀ Je l³eeb®es veelesJeeF&keÀ ³eebvee efouesu³ee keÀpee&®eer veeWo IesCes.

11) meb®eeuekeÀ ceb[Ueves meg®eefJeuesu³ee Heesìefve³ece ¬eÀ.8 (Yeeie Yeeb[Jeue) og©mleerme cebpegjer osCes.

12) Jeeef<e&keÀ meJe&meeOeejCe meYesme DevegHeefmLele meYeemeoeb®eer DevegHeefmLeleer #eceeefHele keÀjCesyeeyele.

13) cee.DeO³e#eeb®³ee HejJeeveieerves ³esCeejs Flej efJe<e³e.

Yeejleer³e ke´Àer[e cebefoj, 3 je cepeuee,vee³eieebJe Je[eUe jes[, Je[eUe,cegbyeF&-400 031 efoveebkeÀ ë 15 petve 2017

efJeMes<e met®evee

meb®eeuekeÀ ceb[Ue®³ee DeeosMeevegmeejSce.Deej.Heeìerue

cegK³e keÀe³e&&keÀejer DeefOekeÀejer

1) meJe& meYeemeoebvee HeÀkeÌle Jeeef<e&keÀ meYes®eer met®evee HeeþefJeC³eele ³esle Deens. Jeeef<e&keÀ DenJeeue ke=ÀHe³ee DeeHeu³ee veefpekeÀ®³ee MeeKesletve DeLeJee keWÀê keÀe³ee&ue³eeletve keÀecekeÀepee®³ee JesUsle I³eeJee.2) yeBbkesÀ®³ee efnMesyeemebyebOeer DeefOekeÀ ceeefnleer nJeer Demeu³eeme DeLeJee keÀener efJeOee³ekeÀ mJejÀHee®³ee met®evee keÀjeJe³ee®³ee Demeu³eeme meYeemeoebveer uesKeer mJe©Heele yeBbkesÀ®³ee veeWoCeerke=Àle keÀe³ee&ue³eele efo.23.6.2017 He³e¥le keÀjeJ³eele. 3) ieCemebK³es DeYeeJeer meYee lenketÀye keÀjeJeer ueeieu³eeme DeMeer lenketÀye Peeuesueer meYee l³ee®e efoJeMeer l³ee®e efþkeÀeCeer DeO³ee& leemeeveblej cnCepes®e ogHeejer efþkeÀ 4.30 Jeepelee megjÀ nesF&ue Je l³ee meYesme ieCemebK³es®es yebOeve jenCeej veener.4) meYesme ³esleevee HeemeyegkeÀ DeLeJee DeesUKeHe$e meesyele DeeCeeJes.5) yeeyegjeJe Mesìs mce=leer efJeÐeeLeea Heeefjleesef<ekeÀ ³eespevesvJe³es keÀjeJe³ee®es Depe& yeBkesÀ®³ee veeWoCeerke=Àle keÀe³ee&ue³eemen meJe& MeeKeeble GHeueyOe Deensle.

57 J³ee Jeeef<e&keÀ meJe&meeOeejCe meYes®eer met®evee (HeÀkeÌle meYeemeoebkeÀjerlee)

veeWoCeerke=Àle keÀe³ee&ue³e ë- Yeejleer³e ke´Àer[e cebefoj,3 je cepeuee,vee³eieebJe Je[eUe jes[,Je[eUe,cegbyeF&-400 031otjOJeveer ë- 24124743, 24146371, 24146478, 24139707, 24180417,He@ÀkeÌme ë 9122-24183319F& - ces} ë [email protected] / [email protected] JesyemeeF&ì ë www.satarabank.netveeWoCeer ke´À.29737 efoveebkeÀë 15.11.1971

veeWoCeer ke´À.29737 /15.11.1971efjPeJn& yeBbkeÀ uee³emevme veb.ë ³egyeer[er/SceS®e/386 Heer/14.4.1984

mevceeveveer³e meYeemeo yebOet/Yeefieveerbvees,meÒesce vecemkeÀej efJe. efJe. DeeHeu³ee yeBkesÀ®ee 57 Jee Jeeef<e&keÀ DenJeeue Je l³ee meesyele efoveebkeÀ 31 cee®e& 2017 DeKesj®ee veHeÀeleesìe Je leeUsyebo He$ekeÀ DeeHeCeemeceesj meeoj keÀjleevee Deecneme DeefleMe³e Deevebo nesle Deens. Yeejle mejkeÀejves efoveebkeÀ 8.11.2016 jespeer®³ee ceO³eje$eerHeemegve ©.500/- Je ©.1000/- ®³ee veesìe ®eueveelegve yebo kesÀu³ee. l³eecegUs osMeeleerue DeLe&J³eJenejeJej l³ee®ee HeÀej ceesþe HeefjCeece Peeuee. l³ee®eer PeU menkeÀejer yeBkeÀebveener Heesnes®eueer. jesKeer®³ee J³eJenejeJej yebOeves Ieeleueer iesueer l³eecegUs efoveebkeÀ 8.11.2016 les efoveebkeÀ 31.12.2016 He³e¥le yeBkeÀebkeÀ[s ceesþer jkeÌkeÀce pecee Peeueer. ke@ÀMe efjPeJn& jsMees ceWìsve keÀjCes efpekeÀerjer®es Peeues. yeBeEkeÀie®es þsJeer, keÀpe&, keÀpe& Jemegueer Fl³eeoer DeveskeÀ J³eJenej ceboeJeues. SkegÀCe®e menkeÀejer yeBeEkeÀie #es$eeJej l³ee®ee efJeHejerle HeefjCeece peeCeJeg ueeieuee. efoveebkeÀ 31 cee®e& 2017 ®eer DeeefLe&keÀ efmLeleer keÀMeer Demesue ³ee efJeJeb®evesle meJe&peCe neslees, Hejbleg mJe.Mesìsmeensyeeb®³ee ke=ÀHee¢äerves ³eelegve DeeHeCe ³eMemJeerHeCes yeensj He[uees. ’kesÀu³eeves nesle Deens js, DeeOeer kesÀues®eer Heeefnpes“ ³ee GkeÌleerÒeceeCes meJe&peCe PeHeeìgve keÀeceeuee ueeieuees. l³ee®es®e HeÀefuele cnCepes DeeHeCeemeceesj meeoj keÀjerle Demeuesuee 57 Jee HeejoMe&keÀ DenJeeue. ³ee DeeefLe&keÀ Je<ee&le 17 Jeer veJeerve ef®eb®eJe[ MeeKee keÀe³ee&eqvJele kesÀueer DeeefCe 18 Jeer veJeerve MeeKee keÀje[ ³esLes GIe[C³eeme efjPeJn& yeBkesÀves ceev³elee efoueer Deens. l³ee®eyejesyej DeeHeCeeme ³eener Je<eea cegbyew yeBkeÀ menkeÀej ieewjJe HegjmkeÀej, yeBkeÀes HegjmkeÀej lemes®e kewÀ.HeëYeg<eCe Jemebleoeoe Heeìerue Glke=Àä veeiejer menkeÀejer yeBkeÀ HegjmkeÀej Demes 3 HegjmkeÀej ÒeeHle Peeues Deensle. ³ee Je<ee&leerue ner n@ììêrkeÀ ceeveeJeer ueeiesue. DeefleMe³e DeefYeceeveemHeo cnCepes ©.800 keÀesìer þsJeeR®ee ìHHee DeeHeCe Heej kesÀuee Deens DeeefCe meueie 9 J³ee Je<eeaner vesì Sve.Heer.S. ®es ÒeceeCe 0… jeKeC³eele DeeHeCe ³eMemJeer Peeuees Deenesle. ®e{l³ee DeeuesKee®eer HejbHeje DeKeb[erle þsJele yeBkesÀme Mes[îegu[ opee& efceUefJeC³ee®³ee efoMesves Jeeì®eeue meg© Deens. ns ³ee efþkeÀeCeer megleesJee®e keÀjeJesmes Jeeìles. DeejìerpeerSme keÀjerlee [e³ejskeÌì ceWyejMeerHe lemes®e DeuHeeJeOeerle Fbìjvesì yeBeEkeÀie megefJeOee ûeenkeÀebvee osC³ee®³ee GÎsMeeves ®eeueuesues Òe³elve ÒeieleerHeLeeJej Deensle.

meJe& efnlekeÀejer efveOeer ë meJe& efnlekeÀejer efveOeeryeeyele®es efve³ece mebcele keÀjC³eele Deeu³eeveblej yeBkesÀ®³ee meYeemeoebvee iebYeerj mJejÀHee®es Deepeej, iegbleeiegbleer®³ee Meðeefke´À³ee Deeefo keÀewìgbefyekeÀ DeeHelleer®³ee JesUer efve³eceevegmeej leelkeÀeU ceole efceUt ueeieueer Deens. DenJeeuemeeueer meoj efveOeerletve SketÀCe 2 ÒekeÀjCeer jÀ. 40,000/- FlekesÀ mene³³e keÀjC³eele Deeues.

meYeemeo ë Je<ee&jbYeer yeBkesÀ®es 25330`De' Jeie& meYeemeo nesles. DenJeeuemeeueele 1065 veJeerve meYeemeo oeKeue keÀjÀve Iesleues. lej 324 meYeemeoebveer jepeerveeces efou³eecegUs Je<e& DeKesj meYeemeoeb®eer mebK³ee 26071 FlekeÀer Peeueer. Je<ee&jbYeer yeBkesÀ®es 1752 veececee$e meYeemeo nesles. DenJeeuemeeueer 758 veJeerve meYeemeo oeKeue keÀjÀve Iesleues, lej 1230 meYeemeo keÀceer Peeues. Je<e& DeKesj veececee$e meYeemeoeb®eer mebK³ee 1280 FlekeÀer Peeueer Deens.

Yeeie Yeeb[Jeue ë Je<ee&jbYeer Jemetue Yeeie Yeeb[Jeue jkeÌkeÀce jÀ.18,24,52,100/- FlekesÀ nesles. DenJeeuemeeueer l³eele jÀ.5,15,68,700/- Yeeie Yeeb[Jeue jÀHeeves pecee Peeues. jepeerveeces efouesu³ee meYeemeoeb®eer jÀ.76,90,550/- jkeÌkeÀce Hejle kesÀueer. Je<e& DeKesj Jemetue Yeeie Yeeb[Jeuee®eer jkeÌkeÀce jÀ.22,63,30,250/- FlekeÀer Peeueer Deens.

meb®eeuekeÀ Je veelesJeeF&keÀ ³eebvee efouesueer keÀpex ëceneje<ì^ menkeÀejer mebmLee DeefOeefve³ece 1960 ®es keÀuece 75(2) ceOeerue lejletoervegmeej yeBkesÀ®es meb®eeuekeÀ ceb[UeJejerue meom³e Je l³eeb®³ee kegÀìgbefye³eebvee efouesu³ee keÀpee&®ee leHeMeerueë-



3



4

(©He³es ueeKeele)

De.¬eÀ. leHeMeerue Je<ee&®³ee megjÀJeeleerme ³esCes jkeÌkeÀce

DeeefLe&keÀ Je<ee&le efouesueer jkeÌkeÀce

Je<e&DeKesj ³esCes jkeÌkeÀce

Je<e&DeKesj LeefkeÀle jkeÌkeÀce

1 meb®eeuekeÀ 2.26 2.26 öö

ö

ö

ö ööö2 veelesJeeF&keÀ

DeeefLe&keÀ Je<ee&le Jemegue Peeuesueer jkeÌkeÀce

meb®eeuekeÀ ceb[U meYee Je efJeefJeOe meefcel³eeb®³ee meYee ë yeBkesÀ®es keÀecekeÀepe megjUerleHeCes Heej He[eJes ³eemeeþer KeeueerueHećeeCes meb®eeuekeÀ ceb[U Je meefcel³eeb®³ee meYee Peeu³ee. meoj meYeebvee meb®eeuekeÀeb®eer GHeefmLeleer ®eebieueer nesleer.

De.¬eÀ.

1

2

3

4

5

6

7

8

9

10

meYes®ee ÒekeÀej

meb®eeuekeÀ ceb[U meYee

keÀpe& meefceleer (keÀpe& Depe& íeveveer meefceleer )

Dee@[erì meefceleer

iegbleJeCetkeÀ meefceleer

mesJekeÀ meefceleer

[sJnueHeceWì meefceleer

mHesMeue meefceleer

Demesì uee³eefyeefueìer ce@vespeceWì meefceleer

SkeÀ jkeÀceer keÀpe& HejleHesÀ[ ³eespevee meuueeieej meefceleer

peesKeerce J³eJemLeeHeve meefceleer

DeeefLe&keÀ Je<ee&le Peeuesu³ee meYee

30

26

01

05

05

01

02

04

01

02

ieJnve&ceWì De@v[ ì^mìer efmekeÌ³egefjìerpe (iegbleJeCetkeÀ) ë Yeejleer³e efjPeJn& yeBkesÀ®³ee DeeosMeeHećeeCes p³ee HeéLeefcekeÀ veeiejer menkeÀejer yeBkeÀeb®es KesUles Yeeb[Jeue 25 keÀesìer jÀHe³eeb®³eeJej Deens, l³eebveer lejl³ee efpeboieer®³ee HećeeCeele 20.50… jkeÌkeÀce efjPeJn& yeBkeÀ ceev³elee HeéHle ieJnve&ceWì De@v[ ì^mìer efmekeÌ³egefjìerpe ceO³es iegbleJeCes yebOevekeÀejkeÀ Deens. leovegmeej DeeHeu³ee yeBkesÀves DeeleeHe³e¥le ®eeuet meeue®eer iegbleJeCetkeÀ ue#eele Ieslee SketÀCe jÀ.171.25 keÀesìer FlekeÌ³ee cetu³eeb®eer efvejefvejeU³ee mejkeÀejer jesK³eele iegbleJeCetkeÀ kesÀueer Deens. efnMesye leHeemeCeer Je uesKeeHeefj#eCe ëDe) JewOeeefvekeÀ uesKeeHeefj#eCe ë JewOeeefvekeÀ uesKeeHeefj#ekeÀe®eer efve³egkeÌleer keÀjC³ee®es DeefOekeÀej Jeeef<e&keÀ meJe&meeOeejCe meYesme efou³eeves DeeHeu³ee yeBkesÀ®³ee Jeeef<e&keÀ meJe&meeOeejCe meYesle efoveebkeÀ 31 cee®e& 2017 DeKesj keÀe³e&jle Demeuesu³ee meJe& MeeKeebmen meve 2016-2017 ³ee DeeefLe&keÀ Je<ee&keÀefjlee JewOeeefvekeÀ uesKeeHeefj#eCeemeeþer uesKeeHeefj#ekeÀ cnCetve ces.mebpe³e jeCes De@v[ DemeesefmeSìme ³eeb®eer efve³egkeÌleer kesÀueer nesleer. l³eevegmeej l³eebveer DeeHeues uesKeeHeefj#eCee®es keÀece efouesu³ee JesUsle HetCe& keÀjÀve DeeHeuee efjHeesì& meeoj kesÀuee. l³eebveer DeeHeu³ee yeBkesÀme `De ' Dee@[erì Jeie& efouesuee Deens. meb®eeuekeÀ ceb[Ueme uesKeeHeefj#eCee®³ee DeeOeejs yengceesue ceeie&oMe&ve keÀjÀve yeBkeÀ keÀjerle Demeuesu³ee HeíeleeryeÎue meceeOeeve J³ekeÌle kesÀues.

ye) Debleie&le efnMesye leHeemeCeer, keÀvkeÀjbì Dee@[erì Je efmeefmìce Dee@[erì ë yeBkesÀ®³ee keWÀê keÀe³ee&ue³eemen meJe& MeeKeebceOeerue Debleie&le efnMesye leHeemeCeer, ye@uevmeefMeì keÀvmee@efue[sMeve Je FvJnsmìceWì Dee@[erì ces. efovesMe Deefnj De@v[ kebÀHeveer, ®eeì&[& DekeÀeQìvì ³eebveer kesÀues. lej yeBkesÀ®³ee meJe& MeeKeeb®es keÀvkeÀjbì Dee@[erì ces.ÒekeÀeMe Heeìerue De@v[ DemeesefmeSìme, ®eeì&[& DekeÀeQìvì ³eebveer kesÀues. ì@keÌme Dee@[erì Je ì@keÌme efjìve& meyeefceMeve keÀjC³ee®es keÀece ces.efceveue HeJeej De@v[ DemeesefmeSìme ³eebveer kesÀues. l³ee®eyejesyej efmeefmìce Dee@[erì keÀjC³ee®es keÀece ces.DeefYepeerle Sme.iee³ekeÀJee[ De@v[ kebÀ., ®eeì&[& DekeÀeQìvì ³eebveer kesÀues.

Jemegueer DeefOekeÀejer ë Jemegueer oeKeu³eeJej peHleer®eer keÀejJeeF& keÀjC³eemeeþer Jemegueer DeefOekeÀejer cnCetve cee.menkeÀej Dee³egkeÌle Je efveyebOekeÀ ³eeb®³ee DeeosMeevegmeej ceneje<ì^ menkeÀejer mebmLee DeefOeefve³ece 1960 ®es keÀuece 156 Je 1961 ®es keÀuece 107 DevJe³es Jemegueer Je efJeke´Àeryeeyele®es DeefOekeÀej yeBkesÀ®³ee Keeueerue DeefOekeÀe-³eebvee osC³eele Deeues Deensle. l³eevegmeej l³eebveer LeefkeÀle keÀpee&®eer Jemegueer ®eebieueer kesÀueer Deens.

(1) Þeer.ceeveefmebie efmeot peeOeJeHeeìerue – ce@vespej

(2) Þeer.efJeueeme DeeJepeer meeUgbKes – ce@vespej

(3) Þeer.jcesMe efkeÀmeve cenepeve – ce@vespej

HeéfMe#eCe ë DenJeeue meeueele yeBkesÀ®es meb®eeuekeÀ, DeefOekeÀejer Je keÀce&®eejer ³eebvee efjPeJn& yeBkesÀmen efvejefvejeU³ee yeBefkebÀie efJe<e³eemeboYee&le HeéfMe#eCe osCee-³ee efJeefJeOe mebmLeebkeÀ[s HeéfMe#eCe IesC³eekeÀefjlee HeeþefJeC³eele Deeues. HeéfMe#eCeecegUs efjPeJn& yeBkeÀ DeeefCe Meemevee®³ee veJeveJeerve OeesjCeeb®eer ceeefnleer keÀce&®ee-³eebvee nesle Deens l³eecegUs keÀce&®eejer ÒeefMe#eerle nesle Deensle DeeefCe l³ee®ee ueeYe yeBkesÀme nesle Deens.

yeeyegjeJe Mesìs mce=leer efJeÐeeLeea Heeefjleesef<ekeÀ efJelejCe meceejbYe lemes®e ceefnuee meYeemeoeb®es mvesn-mebcesueve Je nUoerkegÀbketÀ meceejbYe ë GHejeskeÌle oesvner meceejbYe MeefveJeej efo.21 peevesJeejer 2017 jespeer Yeejleer³e ¬eÀer[e cebefoje®³ee YeJ³e ÒeebieCeele mebHeVe Peeues. ³ee oesvner meceejbYeeme n.Ye.He.meew.cebieueeleeF& vebokegÀceej keÀebyeUs, DeO³e#ee-meble yeefnCeeyeeF& ceefnuee ÒeemeeefokeÀ eEo[er, osng ³ee ÒecegKe DeefleLeer ueeYeu³ee nesl³ee. meb®eeuekeÀeb®³ee nmles 21 Heeefjleesef<ekeÀ Hee$e efJeÐeeL³ee&bvee mce=leeref®evn Je Heg<Heieg®í osJegve ieewjefJeC³eele Deeues. ceefnuee mvesnmebcesueveeme megceejs 700 ceefnuee meYeemeoebveer GlmHegÀle&HeCes Yeeie Iesleuee.

Glke=À<ì MeeKee HegjmkeÀej ë meve 2015-16 ³ee DeeefLe&keÀ Je<ee&keÀefjlee HegjmkeÀej osC³eemeeþer yeBkesÀ®³ee 16 MeeKeeb®eer 2 ieìele efJeYeeieCeer keÀjC³eele Deeueer. HegjmkeÀejekeÀefjlee MeeKeeb®eer efveJe[ keÀjC³eemeeþer meefceleer ieþve keÀjC³eele ³esTve Dee@[erìj ces.efovesMe Deefnj De@v[ kebÀHeveer ³eebveer kesÀuesu³ee efMeHeÀejmeer efJe®eejele IesJegve meJe& mebceleerves KeeueerueÒeceeCes oesve ieìeleerue MeeKeebvee HegjmkeÀej osC³eele Deeues. HegjmkeÀeje®es mJejÀHe mevceeveHe$e nesles.SkegÀCe J³eJemee³e ©.50 keÀesìer®³ee Jej DemeCeeN³ee MeeKee 1) meJees&lke=Àä MeeKee HegjmkeÀej ë JeeMeer MeeKee2) meJees&llece þsJeer mebkeÀueve HegjmkeÀej ë ceeb[Jeer MeeKee3) meJees&llece keÀpe& efJelejCe HegjmkeÀej ë kegbÀYeejJee[e MeeKeeSkegÀCe J³eJemee³e ©.50 keÀesìer®³ee Deele DemeCeeN³ee MeeKee 1) meJees&lke=Àä MeeKee HegjmkeÀej ë efJe¬eÀesUer MeeKee2) GllespeveeLe& HegjmkeÀej ë ®eWyegj MeeKeeyeeyegjeJepeer Mesìs HegC³eefleLeer ë yeeyegjeJepeer Mesìs ³eeb®³ee 25 J³ee HegC³eefleLeerefveefcelle yeBkesÀ®³eeJeleerves n.Ye.He.Þeercenble Òeceeso cenejepe peieleeHe ³eeb®es megÞeeJ³e ÒeJe®eve meesceJeej, efoveebkeÀ 19 meHìWyej 2016 jespeer og.4.00 Jeepelee Yeejleer³e ¬eÀer[e cebefoj, 4 Lee cepeuee, Je[eUe, cegbyeF& -31 ³esLes Dee³eesefpele kesÀues nesles.

©.800keÀesìer þsJeeR®eer GefÎäHetleea ë ³ee Je<ee&le ©.800keÀesìer þsJeerb®es GefÎä nesles, les GefÎä DeeHeCee meJee&®³ee menkeÀe³ee&ves HegCe& nesTve ©.805 keÀesìer þsJeeR®ee ìHHee ieeþuee Deens.

yeBkesÀves HegjmkeÀejeb®eer n@ììêrkeÀ kesÀueerë ³ee DeeefLe&keÀ Je<ee&le (1) cegbyew yeBkeÀ menkeÀej ieewjJe HegjmkeÀej -2016, veeiejer menkeÀejer yeBkeÀ ieìeleerue ogmeje HegjmkeÀej (2)yeBkeÀes HegjmkeÀej 2016 - ©.601 les 800 keÀesìerHe³e¥le þsJeer Demeuesu³ee menkeÀejer yeBkeÀ ieìeleerue 3 js Heeefjleesef<ekeÀ (3)Sce.Sme.meer.yeBkeÌme DemeesefmeSMeve efue.keÀ[gve cegbyeF& efJeYeeieelegve ©He³es 500 keÀesìer®³eeJej þsJeer DemeCee-³ee veeiejer menkeÀejer yeBkeÀebceOegve kewÀ.HeëYeg<eCe Jemebleoeoe Heeìerue Glke=Àÿ veeiejer menkeÀejer yeBkeÀ HegjmkeÀej. ³eevegmeej yeBkesÀves HegjmkeÀejeb®eer n@ììêrkeÀ keÀjerle ceeieerue meueie 8 Je<ee&le SkegÀCe 11 HegjmkeÀej HeìkeÀeJegve veeiejer menkeÀejer yeBkeÀeble ceevee®es mLeeve efceUefJeues Deens.



5

eE®e®eJe[ MeeKes®ee GodIeeìve meesnUeë Yeejleer³e efjPeJn& yeBkesÀves eE®e®eJe[ ³esLes veJeerve MeeKee GIe[C³eeme HejJeeveieer efou³eevegmeej jeOeeke=À<Ce keÀe@cHueskeÌme, meeves ®eewkeÀ, ef®eKeueer jes[,

eE®e®eJe[, HegCes – 411 019 ³ee efþkeÀeCeer 17 J³ee MeeKes®ee GodIeeìve meesnUe efoveebkeÀ 10.8.2016 jespeer cee.Deeceoej Þeer.censMeoeoe ueeb[ies ³eeb®³ee MegYe nmles mebHeVe Peeuee. lej mesHeÀ ef[Hee@Peerì uee@keÀme& Je SìerSce meWìj®ee GodIeeìve meesnUe veiejmesJekeÀ cee.Þeer.oÊee$e³e meeves ³eeb®³ee MegYe nmles mebHeVe Peeuee.

keÀje[ ³esLes veJeerve MeeKee GIe[C³eeme HejJeeveieerë Yeejleer³e efjPeJn& yeBkesÀves keÀje[ ³esLes veJeerve MeeKee GIe[C³eeme efo.1.2.2017 ®³ee He$eeÜejs HejJeeveieer efoueer Deens. l³eeDeveg<ebieeves ceesj³ee DeekexÀ[, leUcepeuee, Mee@He veb.4,5 Je 6, efìHeer mkeÀerce veb.1, HeÀe³eveue Huee@ì veb.482, MeefveJeej Hesþ, keÀje[ ner peeiee Yee[slelJeeJej Iesleueer Demegve ueJekeÀj®e GodIeeìve meesnUe Dee³eesefpele keÀjC³eele ³esF&ue.

keÀebefoJeueer MeeKes®es veJeerve peeiesle mLeueeblejë yeBkesÀ®eer keÀebefoJeueer MeeKee Mee@He veb.59 Je 60, efyeu[erbie veb.S-7, mejeHeÀ ®eewOejer veiej, þekegÀj keÀe@cHueskeÌme, keÀebefoJeueer (Heg.) ³ee Yee[slelJeeJejerue veJeerve peeiesle mLeueeblej keÀ©ve MeeKes®ee GodIeeìve meesnUe efo.15.4.2017 jespeer keÀ[email protected]@bkeÀ ScHuee@F&pe ³egefve³eve cegbyeF& ®es DeO³e#e, cee.Keemeoej Þeer.DeevebojeJepeer De[megU ³eeb®³ee MegYe nmles mebHeVe Peeuee lej S.ìer.Sce. meWìj®ee GodIeeìve meesnUe cegbyew yeBkesÀ®es DeO³e#e cee.Deeceoej Þeer.ÒeefJeCe ojskeÀj ³eeb®³ee MegYe nmles mebHeVe Peeuee.

jewH³e ceneslmeJeer mesJesyeÎue keÀce&®ee-³eeb®ee melkeÀejë yeBkeÀ J³eJemLeeHeve Je keÀce&®eejer ³egefve³eve ³eeb®³eeJeleerves 12 DeefOekeÀejer /keÀce&®ee-³eeb®eer 25 Je<e& mesJee HegCe& Peeu³eeyeÎue l³eeb®ee Jeeef<e&keÀ meJe&meeOeejCe meYesle Meeue, ÞeerHeÀU, Heg<Heieg®í, YesìJemleg Je ieewjJeef®evn osTve melkeÀej keÀjC³eele Deeuee.

kegbÀYeejJee[e MeeKesle ûeenkeÀ cesUeJ³ee®es Dee³eespeveë keÀpee&Jejerue J³eepeoje®³ee DeekeÀ<e&keÀ DeMee peeefnjeleer ÒeefmeOo keÀ©ve ûeenkeÀJeie& DeeHeu³eekeÀ[s keÀmee Kes®euee peeF&ue DeMee mHeOee& DeveskeÀ yeBkeÀeble meg© Deensle. DeeHeuee ûeenkeÀ yeensj peeT ve³es ³eemeeþer kegbÀYeejJee[e MeeKesle efo.19.6.2016 jespeer ûeenkeÀ cesUeJ³ee®es Dee³eespeve keÀjC³eele Deeues. DeeHeues keÀpee&Jejerue J³eepeoj Dev³e yeBkeÀeb®³ee J³eepeoje®³ee leguevesle keÀmes ³eesi³e Deensle ns GHeefmLeleebvee HeìJegve osC³eele Deeues. l³eelegve®e ûeenkeÀeb®ee efJeéeeme mebHeeove kesÀuee.

meefo®íe Yesìë ³ee DeeefLe&keÀ Je<ee&le cenejeäê®es ceepeer cegK³eceb$eer Þeer.DeMeeskeÀjeJe ®eJneCe, menkeÀej jep³e ceb$eer cee.vee.Þeer. iegueeyejeJepeer Heeìerue, efJeYeeieer³e menefveyebOekeÀ cee.Þeer.Sce.S.DeeefjHeÀ DeeefCe efpeune GHeefveyebOekeÀ cee.Þeer. cebiesMe efleìkeÀejs ³eebveer yeBkesÀme meefo®íe Yesì efoueer.

Je=#eejesHeCe keÀe³e&¬eÀce ë Meemeveeves He³ee&JejCee®ee meceleesue, meblegueve, mebJeOe&ve DeeefCe megj#ee jeKeC³eemeeþer Je=#eejesHeCe keÀe³e&¬eÀce jeyeJeC³ee®es þjefJeues. l³eeDeveg<ebieeves cee.menkeÀej Dee³egkeÌle Je efveyebOekeÀ, menkeÀejer mebmLee, cenejeä^ jep³e, HegCes ³eeb®³ee DeeosMeevJe³es JeveceneslmeJe keÀeueeJeOeerle yeBkesÀves Yeeie IesTve efo.1 peguew 2016 jespeer Yeejleer³e ¬eÀer[e cebefoje®³ee cewoeveele lemes®e í$eHeleer jepeÞeer Meeng cenejepe Jemeleerie=n, yeebêe ³esLes Je=#eejesHeCe kesÀues.

SkeÀefoJeMeer³e keÀe³e&MeeUeë cee.efJeYeeieer³e menefveyebOekeÀ, menkeÀejer mebmLee, cegbyeF& efJeYeeie, cegbyeF& DeeefCe efo ye=nvcegbyeF& veeiejer menkeÀejer yeBkeÌme DemeesefmeSMeve efue.cegbyeF& ³eeb®³ee meb³egkeÌle efJeÐeceeves lemes®e DeeHeu³ee yeBkesÀ®³ee meewpev³eeves cegbyeF& efJeYeeieeleerue veeiejer menkeÀejer yeBkeÀeb®³ee HeoeefOekeÀe-³eeb®eer SkeÀefoJeMeer³e keÀe³e&MeeUe ieg©Jeej efo.28 peguew 2016 jespeer mekeÀeUer 10 les mee³ebkeÀeUer 5 ³ee JesUsle Yeejleer³e ¬eÀer[e cebefoj, 4 Lee cepeuee, Je[eUe, cegbyeF& -

31 ³esLes Dee³eesefpele kesÀueer nesleer. ³ee keÀe³e&MeeUsme cee.Þeer.MesKejpeer ®ejsieeJekeÀj – DeO³e#e- ceneje<ì^^ jep³e menkeÀej Heefj<eo, HegCes, cee.Þeer.efme.yee.Dee[megU, meerF&Dees-ye=nvcegbyeF& veeiejer menkeÀejer yeBkeÌme DemeesefmeSMeve efue.DeeefCe cee.Þeer.efveleerve JeeCeer ³eebveer ceeie&oMe&ve kesÀues.

JesleveJee{ Je mesJeeMeleea®ee 10 Jee keÀjejëyeBkeÀ J³eJemLeeHeve Je keÀ[email protected]À ScHuee@F&pe ³egefve³eve, cegbyeF& ³eeb®³eeceO³es efo.4.1.2017 jespeer JesleveJee{ Je mesJeeMeleea Fl³eeoermebyebOeer 10 Jee keÀjej mebHeVe Peeuee. keÀjejeJej J³eJemLeeHevee®³eeJeleerves yeBkesÀ®es DeO³e#e cee.Þeer.%eeveséej Jeebie[s, GHeeO³e#e cee.Þeer.mebpe³e Mesìs l³ee®eyejesyej ³egefve³eve®³eeJeleerves DeO³e#e, Keemeoej cee.Þeer.DeevebojeJepeer De[megU, keÀe³ee&O³e#e Þeer.megefveue meeUJeer, pevejue mes¬esÀìjer Þeer.vejWê meeJeble,



6



7

Keefpeveoej Þeer.Òeceeso Heeìx, pee@F¥ì mes¬esÀìjer Þeer.ceveesnj ojskeÀj , ³egefveì®es mebIeìkeÀ meef®eJe Þeer.kesÀ.yeer.meg³e&JebMeer ³eebveer me¿ee kesÀu³ee. veJeerve keÀjejecegUs keÀce&®ee-³eeb®³ee Jesleveele Jee{ Peeu³eeves Deeveboer JeeleeJejCe Deens.

DeefYevebovee®es ceevekeÀjer ë1) yeBkesÀ®es DeO³e#e cee.Þeer.%eeveséej Jeebie[s (YeeF&) ³eebvee Deecner meeleejkeÀj efJekeÀeme Òeefleÿeve,cegbyeF& ³eeb®³eeJeleerves menkeÀej #es$eeleerue Delegueveer³e keÀe³ee&yeÎue l³eebvee ’menkeÀej jlve “ ne HegjmkeÀej lemes®e me¿eeêer GÐeesie mecegn DeeefCe cenejeä^ yengpeve He$ekeÀej mebIe, Denceoveiej ³eeb®³eeJeleerves ’me¿eeoer DeLe&jlve“ ne HegjmkeÀej ÒeeHle Peeu³eeyeÎue l³eeb®es neefo&keÀ DeefYevebove.

2) vegkeÀl³ee®e Heej He[uesu³ee Heb®ee³ele meefceleer, efpeune Heefj<eo, eEHeHejer eE®e®eJe[, þeCes Je ye=nvcegbbyeF& ceneveiejHeeefuekesÀle DeeHeu³ee yeBkesÀ®es KeeueerueÒeceeCes meYeemeo, Keelesoej, þsJeeroej Je efnleeE®elekeÀ Òe®eb[ yengceleeves efveJe[gve Deeues l³ee meJee¥®es neefo&keÀ DeefYevebove.

Heb®ee³ele meefceleer ë- 1. meew.pe³eÞeer megneme efiejer, mee³eieebJe ieCe 2. meew.HeÀjeroe cevmegj Fveeceoej, ³esUieebJe ieCe

efpeune Heefj<eoë- 1. cee.Þeer.jcesMepeer DeCCeemeensye Heeìerue, cebêgUkeÀesUs ieì 2. cee.Þeer.DeeefMe<e yeyevejeJe Dee®ejs, keÀeUieebJe ieì 3. cee.De@[.Þeer.Go³eoeoe efJeueemejeJe Heeìerue, ³esUieebJe ieì 4. cee.Þeer.JemeblejeJe ceevekegÀcejs, cnmeJes ieì 5. meew.De®e&vee %eeveosJe jebpeCes, kegÀmegbyeer ieì 6. meew.jepeÞeer SkeÀveeLe YeesHeer, HeUmHes ieì

eEHeHejer eE®e®eJe[ ceneveiejHeeefuekeÀeë- 1. cee.Þeer.oÊee$e³e (keÀekeÀe) yeeyegjeJe meeves, Jee[& ¬eÀ.1

þeCes ceneveiejHeeefuekeÀeë- 1. cee.Þeer.censMe peieVeeLe meeUJeer, Jee[& ¬eÀ.23 2. cee.Þeer.efpeleWê yeeUejece Heeìerue, Jee[& ¬eÀ.24 ye=nvcegbyeF& ceneveiejHeeefuekeÀeë-

1. meew.mvesnue megefveue ceesjs, Jee[& ¬eÀ.123

3) yeBkesÀ®es meYeemeo DeeefCe Òee@Heìea cegu³eebkeÀvekeÀej Þeer.yeer.Heer.keÀeìkeÀj ³eebvee Fbef[³ee Fbìjve@Meveue ÖeWÀ[efMeHe meesmee³eìer, efouueer ³ee mebmLeskeÀ[gve Yeejle p³eesleer De@Jee@[& osC³eele Deeuee. l³eeyeÎue l³eeb®es neefo&keÀ DeefYevebove.4) yeBkesÀ®es keÀe³e&ue#eer meb®eeuekeÀ Þeer.efveleerve jcesMe ieJeeos ³eeb®eer DeevebojeJepeer De[megU menkeÀejer HelemebmLee ce³ee&efole ³ee mebmLes®³ee meb®eeuekeÀ ceb[UeJej efyeveefJejesOe efveJe[ Peeu³eeyeÎue l³eeb®es neefo&keÀ DeefYevebove.5) menkeÀejer Yeeb[ej Je í$eer meesmee³eìer ³ee mebmLeebvee Meemevee®ee menkeÀej HegjmkeÀej ÒeeHle Peeu³eeyeÎue ³ee mebmLeeb®es DeO³e#e Je DeeHeu³ee yeBkesÀ®es GHeeO³e#e Þeer.mebpe³epeer Mesìs ³eeb®es Je l³eeb®³ee meJe& menkeÀejer HeoeefOekeÀe-³eeb®es neefo&keÀ DeefYevebove .6) cenecegbyeF& í$eer GlHeeokeÀ menkeÀejer keWÀê efue.(í$eer meesmee³eìer) ®³ee meb®eeuekeÀ ceb[Ue®eer DeefJejesOe efveJe[CegkeÀ nesTve cee.Þeer.mebpe³epeer Mesìs ³eeb®eer DeO³e#eHeoer lej Þeer.megjWê Mesìs ³eeb®eer GHeeO³e#eHeoer efyeveefJejesOe efveJe[ Peeu³eeyeÎue l³eeb®es neefo&keÀ DeefYevebove.

YeeJeHetCe& ÞeOoebpeueer ë DenJeeue meeueele DeveskeÀ Yeejleer³e peJeeve osMeemeeþer Menero Peeues. ceneveiej keÀ[email protected]À®es mebmLeeHekeÀ-DeO³e#e, mee@efuemeerìj cee.Þeer.iegueeyejeJepeer MesUkesÀ, ³egefve³eve®es keÀe³ee&O³e#e Þeer.megefveue meeUJeer ³eeb®³ee ceeleesÞeer, cegbyeF& MeejerefjkeÀ efMe#eCe ceb[Ue®es meb³egkeÌle keÀe³e&Jeen Þeer.YeieJeeve Ieeie, p³esÿ meeefneql³ekeÀ Þeer.JeecevejeJe nesJeeU, yeBkesÀ®es pegves peeCeles meYeemeo, meuueeieej Je ceeie&oMe&keÀ Þeer.Deej.Heer.keÀeUgie[s ³eeb®es efveOeve Peeues. l³ee®eyejesyej ye@BkesÀ®es keÀener meYeemeo, Keelesoej, þsJeeroej Je efnleef®eblekeÀ ³eeb®es efveOeve Peeues. ³eeefMeJee³e yeBkesÀ®es meb®eeuekeÀ, DeefOekeÀejer, keÀce&®eejer, meYeemeo, Keelesoej Je þsJeeroej ³eeb®es veelesJeeF&keÀ lemes®e %eele De%eele pes keÀebsCeer efoJebiele Peeues Demeleerue l³eeb®³ee Deelc³eeme ef®ejMeebleer ueeYeeJeer DeMeer Deecner HeéLe&vee keÀjÀve YeeJeHetCe& ÞeOoebpeueer DeHe&Ce keÀjerle Deenesle.

DeeYeej Je $eÝCeefveoxMe ë

Yeejleer³e efjPeJn& yeBkeÀ, efo ceneje<ì^ jep³e menkeÀejer yeBkeÀ efue.,cegbyeF&, efo cegbyeF& efpeune ceO³eJeleea menkeÀejer yeBkeÀ efue., De@efkeÌmeme yeBkeÀ, Dee³e.[er.yeer.Dee³e.yeBkeÀ Je ³esme yeBkeÀ lemes®e cee. menkeÀej Dee³egkeÌle Je efveyebOekeÀ, cee.efJeYeeieer³e menefveyebOekeÀ, cee.efpeune GHeefveyebOekeÀ DeeefCe cee.mene.efveyebOekeÀ ³eebveer DenJeeuemeeueer kesÀuesu³ee yengceesue menkeÀe³ee&yeodoue lemes®e ceeie&oMe&veeyeÎue mebmLes®³eeJeleerves ceer l³eeb®ee $eÝCeer Deens.

ces.mebpe³e jeCes De@v[ DemeesefmeSìme, ces.efovesMe Deefnj De@v[ kebÀHeveer, ces.ÒekeÀeMe Heeìerue De@v[ DemeesefmeSìme DeeefCe ces.DeefYepeerle Sme.iee³ekeÀJee[ De@v[ kebÀHeveer, meveoer uesKeeHeeue ³eebveer Del³eble ceesuee®es ceeie&oMe&ve Je keÀener cenlJee®³ee met®evee kesÀu³ee l³eeyeÎue mebmLee ³ee meJee¥®eer DeeYeejer Deens.

efo ceneje<ì^ mìsì keÀ[email protected]@bkeÌme DemeesefmeSMeve efue.cegbyeF& ®es keÀe³ee&O³e#e,cee.Þeer.megYee<e peesMeer, efo ceneje<ì^ Deye&ve keÀes-Dee@He. yeBkeÌme HesÀ[jsMeve efue.,®es DeO³e#e cee.Þeer.efJeÐeeOej DeveemkeÀj DeeefCe cegK³e keÀe³e&keÀejer Je meef®eJe - meew.mee³eueer YeesF&j, efo ye=nvcegbyeF& veeiejer menkeÀejer

yeBkeÌme DemeesefmeSMeve®es DeO³e#e – cee.Þeer.oÊeejece ®eeUkesÀ, cegK³e keÀe³e&keÀejer DeefOekeÀejer cee.Þeer.efme.yee.Dee[megU, keÀes-Dee@He. yeBkeÀ ScHuee@F&pe ³egefve³eve®es DeO³e#e-Keemeoej cee.Þeer. DeevebojeJepeer De[metU, ³eebveer JesUesJesUer menkeÀej #es$eeleerue cenlJee®eer DeÐeeJele ceeefnleer osTve ceeie&oMe&ve kesÀu³eeyeÎue yeBkeÀ l³eeb®eerner $eÝCeer Deens.

cee.mene³³ekeÀ efveyebOekeÀ, menkeÀejer mebmLee, cebgyeF& HejmesJee efo ye=nvcegbyeF& veeiejer menkeÀejer yeBkeÌme DemeesefmeSMeve ³eebveer LeefkeÀle keÀpe& Jemetueer meboYee&le oeKeue kesÀuesu³ee Depee&Jej lJeefjle efveCe&³e osTve Jemetueer®³ee keÀeceer pes ceesuee®es menkeÀe³e& kesÀues l³eeyeÎue l³eeb®es Je meJe& DeefOekeÀejer, keÀce&®eejer ³eeb®es mebmLes®³eeJeleerves ceveëHetJe&keÀ DeeYeej.

yeBkesÀ®es meJe& keÀe³eosefJe<e³ekeÀ meuueeieej ³eebveer JesUesJesUer keÀe³eÐee®es pes ceeie&oMe&ve kesÀues l³eeyeÎue Deecner l³eeb®es DeeYeejer Deenesle. yeBkesÀ®³ee meJee¥ieerCe efJekeÀemeemeeþer yeBkesÀ®es mevceeveveer³e meYeemeo, Keelesoej, þsJeeroej Je efnleef®eblekeÀ ³eebveer yeBkesÀuee JesUesJesUer He´l³e#e Je DeHe´l³e#eefjl³ee kesÀuesu³ee menkeÀe³ee&yeÎue meb®eeuekeÀ ceb[U l³eeb®es $eÝCeer Deens. yeBkesÀ®es keÀecekeÀepe HeíeleerHeLeeJej DeeCeC³eemeeþer ceeP³ee meJe& menkeÀejer efce$eebveer lemes®e %eele-De%eele mebmLee Je J³ekeÌleer l³ee®eyejesyej yeBkesÀ®³ee meJe& DeefOekeÀejer Je keÀce&®eejer Jeiee&ves Iesleuesu³ee DeLekeÀ HeefjÞeceeyeÎue l³eeb®es DeeYeej ceevelees. ³eeHeg{s GHejeskeÌle ceev³eJejeb®es Je mebmLeeb®es Demes®e yengceesue menkeÀe³e& ueeYesue DeMeer DeeMee J³ekeÌle keÀjlees.

meYeemeo yebOet YeefieveeRvees, meve 2016-2017 ®³ee DenJeeueemebyebOeeleerue ceeefnleer®es efJeJes®eve ceer DeeleeHe³e¥le DeeHeCeeme ³ee Yee<eCee®³ee efveefcelleeves meeoj kesÀues Deens. ³eeveblej DenJeeue meeue®³ee DeeefLe&keÀ Ie[ecees[er mebyebOeer®es efJeJes®eve Goe. yeBkesÀ®ee leeUsyebo DeeefCe DeveglHeeefole keÀpe& lejleto, Heíeleer®ee DeeuesKe, þsJeer, jeskeÀ[ Je iegbleJeCetkeÀ, keÀpex, keÀpe& Jemegueer], veHeÀe JeeìCeer, mejkeÀejer DeeosMeeHećeeCes meJe&meeOeejCe ceeefnleer, Debleie&le uesKeeHeefj#ekeÀeb®ee DenJeeue, JewOeeefvekeÀ uesKeeHeefj#ekeÀeb®ee DenJeeue, efoveebkeÀ 31 cee®e& 2017 jespeer®es leeUsyebo He$ekeÀ Je veHeÀe leesìe He$ekeÀ, Heesìefve³ece og©mleer Je yeBkesÀ®³ee Heíeleer®eer Jeeì®eeue, Deeieeceer Je<ee&®es Deboepe He$ekeÀ Fl³eeoeR®ee leHeMeerue ³ee DenJeeueele mHe<ìHeCes veceto kesÀuee Deens. DeeHeCeekeÀ[s meeoj kesÀuesuee DenJeeue, veHeÀe leesìe Je leeUsyebo He$ekeÀ, veHeÀe JeeìCeer DeeefCe DeboepeHe$ekeÀ DeeHeCe mJeerke=Àle keÀjeJes lemes®e yeBkesÀ®³ee HeíeleerkeÀefjlee meJee¥veer Demes®e menkeÀe³e& keÀjeJes ner vece´ efJevebleer.

cegbyeF& efoveebkeÀ ë 15 pegve 2017

DeeHeuee menkeÀejer %eevesMJej Jeebie[s (YeeF&)

DeO³e#e

~~ pe³e efnbo ~~ ~~ pe³e ceneje<ì^ ~~ ~~ pe³e menkeÀej ~~



8

yeBkesÀ®ee leeUsyebo DeeefCe DeveglHeeefole keÀpe& lejleto ë

Yeejleer³e efjPeJn& yeBkesÀ®³ee efoveebkeÀ 9 HesÀye´gJeejer 1993 ®³ee HeefjHe$ekeÀeHećeeCes GlHevve mebkeÀuHevee, efpeboieer®eer Jeie&Jeejer, lejleto Je Flej mebyebOeerle yeeyeeRyeeyele DeeosMe peejer kesÀues Deensle. l³eeHećeeCes yeBkesÀves iesueer 20 Je<ex meoj lejletoer keÀeìskeÀesjHeCes Heeueve kesÀu³ee Demetve YeefJe<³ekeÀeUele De[®eCe ³esT ve³es cnCetve keÀener HećeeCeele ³ee meojeKeeueer peemleer®³ee lejletoer kesÀu³ee Deensle. DenJeeue meeueekeÀefjlee DeveglHeeefole keÀpee&meeþer jÀ.386.87 ueeKe FlekeÌ³ee jkeÀces®eer lejleto keÀjCes DeeJeM³ekeÀ nesles, Hejbleg ³eemeeþer yeBkesÀves jÀ. 727.44 ueeKe FlekeÀer lejleto kesÀuesueer Deens.

Heíeleer®ee DeeuesKe ë

DenJeeue meeueele yeBkesÀves kesÀuesu³ee Heíeleer®eer leHeMeerueJeej ceeefnleer Keeueer veceto kesÀuesu³ee DeekeÀ[sJeejerJejÀve efometve ³esF&ue.

( DeekeÀ[s ueeKeele)

DenJeeue meeue®³ee DeeefLe&keÀ Ie[ecees[er mebyebOeer®es efJeJes®eve

De. Keel³ee®es veeJe efo.31-3-2016 efo.31-3-2017 SketÀCe Jee{ Je Ieì Jee{er®eer ke´À. ®es DeekeÀ[s ®es DeekeÀ[s ìkeÌkesÀJeejer

1 meYeemeo 25330 26071 741 2.93 2 Yeeie Yeeb[Jeue 1824.52 2263.30 438.78 24.05

3 iebieepeUer Je Flej efveOeer 2417.24 2694.56 277.32 11.47

4 þssJeer

keÀ) cegole þsJeer 16471.16 25251.27 8780.11 53.31

Ke) ye®ele þsJeer 13651.74 17621.80 3970.06 29.08

ie) mekeÌleer®³ee ye®ele þsJeer 38.31 33.98 ö4.33 -11.30

Ie) ®eeuet þsJeer 5093.61 4911.64 -181.97 -3.57

®e) mebef®ele þsJeer 1158.89 1169.86 10.97 0.95

í) Hegveieg¥leJeCetkeÀ þsJeer 35413.30 28203.20 -7210.10 -20.36

pe) owvebefove þsJeer 51.73 45.67 6.06 11.71

Pe) ueKeHeleer þsJe ³eespevee 177.78 168.50 -9.28 ö5.22

ì) meeleeje yeBkeÀ HesvMeve ³eespevee 69.47 67.48 -1.99 ö2.86

þ) De#e³e þsJe ³eespevee 20.00 20.00 0.00 0.00

[) mebkeÀuHe þsJe ³eespevee 403.89 10.33 -393.56 ö97.44

{) GlkeÀ<e& þsJe ³eespevee 21.53 3.19 -18.34 ö85.18

Ce) efkeÀMeesj ye®ele ³eespevee 48.03 90.06 42.03 87.50

le) yeeyegjeJe Mesìs mce=leer þsJe ³eespevee 0.00 2862.75 2862.75 100

5 ³esCes keÀpe& 44830.18 51841.43 7011.25 15.64

6 ®eeuet Je<ee&le efouesues keÀpe& 26314.31 22447.09 -3867.22 -14.70

7 KesUles Yeeb[Jeue 78940.52 88243.62 9303.10 11.78

8 ieggbleJeCegkeÀ 25680.71 28312.60 2631.89 10.25

9 efveJJeU veHeÀe 328.62 474.04 145.42 44.25

10 ueeYeebMe 8… 8… - -



9

yeBkesÀ®³ee jeKeerJe Je Flej efveOeerletve ®eeuet Je<ee&le Ke®e& Peeuesueer jkeÌkeÀce JeieUlee lemes®e ®eeuet Je<ee&leerue pecee OejÀve KeeueerueHećeeCes SketÀCe jkeÌkeÀce pecee nesF&ue.

yeBkeÀ mJeefveOeer Jee{ermeeþer He´³elveMeerue Demetve DeeHeu³ee yeBkesÀ®ee DeeefLe&keÀ Hee³ee efoJemeWefoJeme DeefOekeÀeefOekeÀ YekeÌkeÀce nesle Deens, ns DeekeÀ[sJeejerJejÀve efometve ³esF&ue.

þsJeer ë Je<ee&jbYeer DeeHeu³eekeÀ[erue þsJeer jÀ.72619.47 ueeKe FlekeÌ³ee nesl³ee. DenJeeuemeeueer l³eele jÀ.7840.26 ueeKe FlekeÀer Jee{ Peeueer Deens. Je<e& DeKesjerme jÀ.80459.73 ueeKe ®³ee þsJeer pecee Deensle. ieleJe<eea®³ee leguevesle ®eeuet meeueer þsJe Jee{er®es HećeeCe 10.80… He[les. DeeHeueer yeBkeÀ ef[Hee@efPeì FvMegjvme keÀeHeexjsMeve ³ee keWÀê mejkeÀej®³ee mebmLes®eer meYeemeo Demeu³eecegUs þsJeeroejeb®³ee He´l³eskeÀer jÀ.1 ueeKeeHe³e¥le®³ee þsJeer®ee efJecee yeBkesÀves mJeKe®ee&ves GlejefJeuee Deens. l³eecegUs DeeHeu³ee yeBkesÀleerue þsJeeroejeb®³ee iegbleJeCetkeÀerme ceesþs mebj#eCe HeéHle Peeues Deens.

jeskeÀ[ Je iegbleJeCetkeÀ ë keÀesCel³eener He´keÀej®eer keÀmetj ve keÀjlee, yeBefkebÀie jsi³eguesMeve keÀe³eÐeevegmeej ³eesi³e Je DeeJeM³ekeÀ lejleer efpeboieer yeBkesÀves meelel³eeves þsJeueer Deens. lemes®e DenJeeuemeeue DeKesj cegbyeF& efpeune ceO³eJeleea menkeÀejer yeBkesÀceO³es cegole þsJeerle jÀ.30,48,03,000/- Je MesDeme&ceO³es jÀ.8,60,000/- lemes®e ceneje<ì^ jep³e menkeÀejer yeBkesÀle cegole þsJeerle jÀ.5,50,000/- Je MesDeme&Heesìer jÀ.3,000/- DeeefCe vewveke=ÀHee efHećee³emesme meesmee³eìerceO³es MesDeme&Heesìer jÀ.1,000/- , DeekeÀeMeoerHe keÀ[email protected]. ceO³es MesDeme& ©.1250/-, Heg©<eesÊece keÀ[email protected]. ceO³es MesDeme& ©.500/-, Heejme DeHeeì&ceWì keÀ[email protected]. ceO³es MesDeme& ©.2000/-, Jemeble keÀ[email protected]. ceO³es MesDeme& ©.250/-, keÀuHele© keÀ[email protected]. ceO³es MesDeme& ©.250/- FlekeÀer iegbleJeCetkeÀ kesÀueer Deens. ³eeefMeJee³e DenJeeuemeeueer yeBkesÀves keWÀê Je jep³e Meemevee®³ee jesK³eeceO³es jÀ.171,25,39,034/- FlekeÀer iegbleJeCetkeÀ kesÀueer Deens. Dee³e[eryeerDee³e yeBkeÀ cegole þsJe Keeleer jÀ.5,00,00,000/-, meejmJele yeBkeÀ efue. cegole þsJe Keeleer jÀ.25,00,000/-l³ee®eHećeeCes ceneveiej keÀ[email protected]À cegole þsJe Keeleer jÀ.5,00,00,000/- Je SvekesÀpeerSmeyeer yeBkeÀ cegole þsJe Keeleer jÀ.10,00,00,000/-,yesmeerve ke@ÀLee@efuekeÀ yeBkeÀ cegole þsJe Keeleer jÀ.35,00,00,000/-Je Yeejle keÀes-Dee@He. yeBkeÀ cegole þsJe Keeleer jÀ.26,00,00,000/-, ³eeHećeeCes Je<e&DeKesjerme SketÀCe iegbleJeCetkeÀ jÀ.283,12,60,284/- FlekeÀer Peeuesueer Deens.

1 iebieepeUer 937.09 84.52 1021.61

2 Fceejle efveOeer 193.00 0.00 193.00

3 mebbMeef³ele Je yeg[erle keÀpe& efveOeer 377.44 100.00 477.44

4 Gllece efpeboieerJejerue lejleto 200.00 50.00 250.00

5 Oecee&oe³e efveOeer 15.89 1.50 17.39

6 meJe& efnlekeÀejer efveOeer 28.72 1.60 30.32

7 ueeYeebMe meceerkeÀjCe efveOeer 115.80 16.08 131.88

8 efnjkeÀ ceneslmeJe Ke®e& efveOeer 17.00 0.00 17.00

9 iegbleJeCegkeÀ Iemeeje efveOeer 156.15 0.00 156.15

10 iegbleJeCegkeÀ ®e{Gleej efveOeer 140.00 10.00 150.00

11 jeKeerJe efveOeer 208.29 13.62 221.91

12 ie=n keÀpe& efveOeer 27.86 0.00 27.86

SketÀCe 2417.24 277.32 2694.56

SketÀCeDe. ke´À. efveOeer efo.31-3-2016

®eer efMeuuekeÀ

meve 2016-17 ceO³es Peeuesueer Jee{ Je Ieì

(DeekeÀ[ss ueeKeele)



10



11

keÀpex ë Je<ee&jbYeer jÀ.44830.18 ueeKee®eer keÀpex ³esCes yeekeÀer nesleer. DenJeeuemeeueer 4274 meYeemeoebvee Heg{s oMe&efJeu³eeHećeeCes efvejefvejeU³ee keÀeceekeÀjerlee jÀ.22447.09 ueeKee®eer veJeerve keÀpex osC³eele Deeueer. DenJeeuemeeueer jÀ. 15435.84 ueeKee®eer keÀpex Jemetue Peeueer. efoveebkeÀ 31 cee®e& 2017 jespeer jÀ.51841.43 ueeKee®eer keÀpex ³esCes yeekeÀer Deensle.

DenJeeuemeeueele efvejefvejeU³ee GÎsMeebkeÀefjlee kesÀuesuee HeleHegjJeþe KeeueerueHećeeCes Deens ë-

De.ke´À. keÀpee&®ee GÎsMe keÀpe&oejeb®eer mebK³ee keÀpe& jkeÌkeÀce

De.ke´À. leHeµeer} jÀHe³es

1 iebieepeUer efveJJeU veHeÌ³ee®³ee 25… 1,18,52,263.352 YeeieeJejerue ueeYeebMe 8… 1,81,00,000.003 ueeYeebMe meefcekeÀjCe efveOeer 4,50,000.004 Oecee&oe³e efveOeer 2,00,000.005 meJe& efnlekeÀejer efveOeer 3,00,000.006 Fceejle efveOeer 1,25,00,000.007 ieggbleJeCegkeÀ ®e{Gleej efveOeer 10,00,000.008 jeKeerJe efveOeer 30,00,000.009 efMeuuekeÀ veHeÀe 5,000.00 SketÀCe 4,74,07,263.35

keÀpe& Jemegueer ë DenJeeuemeeue DeKesj jÀ.51841.43 ueeKe FlekesÀ ³esCes keÀpe& Deens. l³eeHewkeÀer jÀ.511.58 ueeKe FlekesÀ LeefkeÀle keÀpe& Deens cnCepes LeefkeÀle keÀpee&®es HećeeCe 0.99… He[les. ieleJe<eea LekeÀyeekeÀer®es HećeeCe 1.08… nesles. ieleJe<eea®³ee leguevesle LekeÀyeekeÀer®es HećeeCeele Ieì Peeuesueer efometve ³esle Deens.

Deie´ke´Àce keÀpex ë efjPeJn& yeBkesÀ®³ee DeeosMeeHećeeCes veeiejer menkeÀejer yeBkeÀebveer DeeHeu³ee keÀpee&®³ee 40… keÀpe& Deie´ke´Àceemeeþer (Heé³eesefjìer meskeÌìj) efoueer Demeueer Heeefnpesle. l³eeHewkeÀer 25…( SketÀCe keÀpee&®³ee 10… keÀpe&) ogye&ue IeìkeÀebmeeþer efoueer Heeefnpesle. DeeHeu³ee yeBkesÀves DenJeeue Je<ee&DeKesj Deie´ke´Àceemeeþer 78.40… Je ogye&ue IeìkeÀebmeeþer 16.35… keÀpex efoueer Deensle. efjPeJn& yeBkesÀ®es ns GefÎ<ì DeeHeCe He´l³eskeÀ Je<eea HetCe& keÀjerle Deeuesuees Deenesle.

veHeÀe JeeìCeer ë DenJeeuemeeueer yeBkesÀuee jÀ.4,74,04,463.35 FlekeÀe veHeÀe Peeuee Deens. l³eele ielemeeue®³ee veHeÀ³eeletve efMeuuekeÀ jeefnuesuee veHeÀe jÀ.2,800.00 efceUefJeu³eeme yeBkesÀ®ee SketÀCe veHeÀe jÀ.4,74,07,263.35 FlekeÀe Peeu³ee®es efometve ³esF&ue.l³ee®eer efJeYeeieCeer Heg{s oMe&efJeu³eeHećeeCes keÀjC³eele ³eeJeer DeMeer meb®eeuekeÀ ceb[Ue®eer efMeHeÀejme Deens.

1 ì@keÌmeer, ì^keÀ Kejsoer DeeefCe ìêvmeHeesì& OebÐeekeÀefjlee 462 48,22,49,000

2 Deew<eOeesHe®eej Je efMe#eCeemeeþer 910 7,25,12,700

3 Flej efkeÀjkeÀesU OebÐee®³ee efJekeÀemeemeeþer 527 104,34,36,700

4 ueive Je Flej cebieue keÀe³ee&meeþer 43 65,88,300

5 Iej Kejsoer Je ogjÀmleerkeÀjerlee 2191 59,80,14,200

6 keÀpe& HesÀ[ermeeþer 73 1,98,34,700

7 mJe³ebjespeieej 68 2,20,73,600

SketÀCe 4274 224,47,09,200

cee.menkeÀej Dee³egkeÌle Je efveyebOekeÀ, menkeÀejer mebmLee, ceneje<ì^ jep³e, HegCes ³eeb®³ee DeeosMeevegmeej Jeeef<e&keÀ meJe&meeOeejCe meYes®³ee DenJeeueele íeHeeJe³ee®eer ceeefnleer ë-

yeBkesÀ®es veeJe ë efo meeleeje menkeÀejer yeBkeÀ efue., cegbyeF&

cegK³e keÀe³ee&ue³ee®ee Hellee ë Yeejleer³e ke´Àer[e cebefoj, 3 je cepeuee, vee³eieebJe Je[eUe jes[, Je[eUe ,

cebgyeF& - 400 031.

veeWoCeer ke´ÀceebkeÀ Je efoveebkeÀ ë 29737. efo 15-11-1971

Deej.yeer.Dee³e.®es uee³emevme ke´À.Je efoveebkeÀ ë ³egyeer[er/SceS®e/386Heer/14-4-1984

keÀe³e&#es$e ë ye=nvcebgyeF&, veJeer cebgyeF&, þeCes, je³eie[, HegCes Je meeleeje efpeune.

leHeMeerue

cegK³e keÀe³ee&ue³eemeefnle MeeKee 18

meYeemeo efve³eefcele 26071

veececee$e 1280

Jemetue Yeeie Yeeb[Jeue 2263.30 ueeKe

SketÀCe jeKeerJe Je Flej efveOeer 2694.56 ueeKe

þsJeer ye®ele þsJeer 17757.53 ueeKe

®eeuet þsJeer 4911.64 ueeKe

cegole þsJeer 25251.27 ueeKe

mebef®ele, Hegve:ieg¥leJeCetkeÀ, mekeÌleer®eer ye®ele, owvebefove, ueKeHeleer þsJe 32539.93 ueeKe

Je meeleeje ye@BkeÀ HesvMeve ³eespevee, De#e³e þsJe ³eespevee,

mebkeÀuHe þsJe ³eespevee, GlkeÀ<e& þsJe , efkeÀMeesj ye®ele ³eespevee Je

yeeyegjeJe Mesìs mce=leer þsJe ³eespevee.

keÀpesx leejCe keÀpesx 50447.66 ueeKe

peeefcevekeÀer keÀpesx 1393.77 ueeKe

Deie´ke´Àce keÀpee&®eer ìkeÌkesÀJeejer 78.40…

ogye&ue IeìkeÀ keÀpee&®eer ìkeÌkesÀJeejer 16.35…

iegbleJeCetkeÀ 28312.60 ueeKe

LekeÀyeekeÀer ìkeÌkesÀJeejer 0.99 …

Dee@[erì Jeie& ``De“

Je<e& DeKesj veHeÀe 474.04 ueeKe

SketÀCe keÀce&®eejer He³e&Jes#eer³e keÀce&®eejer 28

Flej keÀce&®eejer 125

KesUles Yeeb[Jeue 88243.62 ueeKe



12

Yeei

e Ye

eb[Jeu

e ë-

yeBk

esÀ®es

DeefOe

ke=Àle

Yeeie

Ye

eb[Jeu

e

©.3

5,00

,00,

000/

- De

megve

Yeeie

e®eer

oMe&ve

er efkebÀ

cele

©.5

0/-

Deme

sue.

Yeeie

Yeeb[

Jeue

7000

000

Yeeie

ele

efJeYe

eieue

sues D

emesu

e.

Heesìe

fve³e

ce

¬eÀce

ebkeÀ

Deefm

lelJee

le De

meue

suee H

eesìefv

e³ec

eog©

mleerv

eblej®

ee Hee

sìefve

³ece

og©ml

eer®es k

eÀejC

e

8.me

O³ee®

eer De

efOeke=À

le Ye

eie Y

eeb[Jeu

e ce³e

e&oe ©

.25

keÀesì

er Dem

egve m

eve 2

016-

17 ce

O³es Y

eeie Y

eeb[Jeu

eele ©

.4.3

9 keÀ

esìer®

eer Jee

{ Pe

eueer

Deme

gve efo

.31

cee®e

& 20

17

DeKe

sj Jem

egue

Yeeie

Ye

eb[Jeu

e ©

.22.

63

keÀesì

er De

ens.

Deme

s De

meu³

eecegU

s meO³

ee®³ee

©.2

5 keÀ

esìer Y

eeie Y

eeb[Jeu

e ce³e

e&osle

Jee{

keÀ©

ve les

©.3

5 keÀ

esìer k

eÀjCes

DeeJe

M³eke

À Deen

s.

Yeei

e Ye

eb[Jeu

e ë-

yeBk

esÀ®es

DeefOe

ke=Àle

Yeeie

Ye

eb[Jeu

e

©.2

5,00

,00,

000/

- De

megve

Yeeie

e®eer

oMe&ve

er efke

bÀcele

©.5

0/-

Deen

s. Ye

eie

Yeeb[

Jeue

5000

000

Yeeie

ele

efJeYe

eieue

sues D

eens.

ye@BkeÀs®

³ee H

eíele

er®eer J

eeì®ee

ue

1980

-81

1990

-91

2000

-200

1

2010

-201

1

2011

-201

2

2012

-201

3

2013

-201

4

5010

1329

2

2251

0

3007

1

2426

6

2435

2

2443

8

meve

meYe

emeo

jeKe

erJe Je

Fle

j efv

eOeer

Jemegu

e Yeei

e Yeeb[

Jeue

þsJeer

KesU

les Y

eeb[Jeu

eie

gbleJeC

etkeÀ

keÀpe

& Jeeì

Heve

HeÀe -

leesì

eue

eYeebM

e

Heesìe

fve³e

ce o

g©ml

eeryeey

ele®ee

lekeÌl

ee

2489

120

14-2

015

2533

0

2607

1

11,6

7,07

,910

12,4

3,20

,610

13,3

5,43

,900

14,0

5,08

,650

14,2

8,38

0

1,10

,78,

440

4,44

,11,

860

16,3

1,42

,500

18,2

4,52

,100

22,6

3,30

,250

15,2

3,93

,025

16,9

6,10

,940

20,2

5,17

,595

21,8

0,47

,703

6,73

,203

2,10

,62,

174

11,6

6,66

,457

22,9

1,99

,408

24,1

7,24

,016

26,9

4,56

,199

395,

98,7

6,88

3

447,

01,6

9,07

5

490,

03,1

2,61

7

571,

99,9

6,92

7

99,3

3,56

0

15,7

2,85

,208

95,4

3,04

,353

628,

65,0

6,59

5

726,

19,4

6,98

3

804,

59,7

3,48

0

431,

65,8

9,00

4

486,

72,5

1,59

7

538,

45,9

8,20

6

621,

90,5

9,14

6

1,28

,55,

632

23,4

3,15

,855

115,

42,8

6,56

1

683,

64,5

6,27

8

789,

40,5

1,77

9

882,

43,6

2,01

2

152,

91,5

8,27

5

157,

25,3

4,75

0

172,

19,9

4,22

5

258,

87,1

4,12

1

27,2

7,35

0

4,02

,35,

250

33,6

5,03

,250

228,

62,7

4,25

0

256,

80,7

0,83

6

283,

12,6

0,28

4

78,4

4,75

,675

127,

56,9

5,10

4

123,

99,9

2,53

9

141,

63,0

4,51

2

78,8

4,93

0

11,6

0,64

,380

43,0

2,36

,975

169,

95,6

7,85

8

263,

14,3

0,60

0

224,

47,0

9,20

0

2,43

,26,

337

4,00

,78,

076

4,55

,79,

275

3,53

,05,

433

2,64

,400

23,5

8,25

4

65,1

5,88

5

3,11

,84,

780

3,28

,62,

440

4,74

,04,

463

12…

12…

12… 8… 10…

10…

10…

10… 8… 8…

2015

-201

6

2016

-201

7



13

INTERNAL AUDIT REPORT

Place : Mumbai.

Date :02.06.2017

For Dinesh Ahir & Co.

Chartered Accountants

Firm Regn. No. 102586W sd/-

(Dinesh Ahir)Internal AuditorM. No. 033255

ToThe Directors The Satara Sahakari Bank LimitedMumbai.

Report On the Financial Statements

1. We have audited the accompanying financial statements of The Satara Sahakari Bank Limited, Mumbai as at 3lst March, 2017, which comprises the Balance Sheet as at March 31, 2017, and the Statement of Profit and Loss Account and the Cash Flow Statement for the year then ended, and a summary of significant accounting policies and other explanatory information. Incorporated in these financial statements are the returns of 17 branches audited by us.

Management's Responsibility for the Financial Statements

2. Management is responsible for the preparation of these financial statements in accordance with The Banking Regulation Act, 1949 (BR Act) (As applicable to Co- operative Societies) and The Maharashtra Co-operative Societies Act, 1960,(MCS Act) complying with Reserve Bank of India guidelines and Co-operative Department, Government of Maharashtra guidelines, from time to time. This responsibility includes the design, implementation and maintenance of internal control relevant to the preparation of the financial statements 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. We conducted our audit in accordance with the applicable Standards on

Auditing issued by the Institute of Chartered Accountants of India and under the MCS Act/ BR Act/ RBI Guidelines (As applicable to Co-operative Societies). Those Standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement whether due to fraud or error.

4. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditors judgement, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the Companys preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate 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 evaluating the overall presentation of the financial statements

5. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.

Opinion 6. In our opinion, and to the best of our information and according to the explanations given to us, the said accounts together with the notes thereon give the information

required by the Banking Regulations Act 1949 (As applicable to Co-operative Societies) as well as Maharashtra Co-operative Societies Act,1960, Maharashtra Co-operative Societies Rules 1961 and any other applicable Acts and or circulars issued by the Registrar in the manner so required and give a true and fair view in conformity with the accounting principles generally accepted in India:-

(i) In the case of Balance Sheet of state of affairs of the Bank as at 3lst March 2017;ii) In the case of Profit and Loss Account, of the profit for the year ended on that date.iii) In the case of Cash Flow Statement, of the cash flows for the year ended on that date.

Report on Other Legal and Regulatory Requirements

7. The Balance Sheet and the Profit and Loss Account have been drawn up in accordance with the provision of Section 29 of the Banking Regulation Act, 1949 (As applicable to Co- operative Societies) and Maharashtra Co-operative Societies Act, 1960 and Maharashtra Co-operative Societies Rules 1961.

8. Subject to the limitations of the audit indicated in paragraph 1 to 5 above, we report that:

a) We have obtained all the information and explanations which to the best of our knowledge and belief, were necessary for the purposes of our audit and have found them to be satisfactory~b) The transactions of the Bank, which have come to our notice have been within the powers of the Bank. c) The returns received from the offices and branches of the Bank have been found adequate for the purposes of our audit

9. In our opinion, the Balance Sheet, Profit and Loss Account and Cash Flow Statement comply with the applicable accounting standards issued by Institute of Chartered Accounts of India (ICAI)

10. We further report that:

I The Balance Sheet and Profit and Loss Account dealt with by this report, are in agreement with the books of account and the returns.ii) in our opinion, proper books of account as required by law have been kept by the Bank so far as appears from our examination of those books.

DINESH AHIR & COChartered Accountants



14

INDEPENDENT BANK AUDITOR'S REPORT

(As required under section 30 of Banking Regulation Act, 1949 as applicable to Co-operative societies and under Section 81(1)(a) of

The Maharashtra Co-operative Societies Act 1960 read with Rule 69 of The Maharashtra Co-operative Societies Rules, 1961)

INDEPENDENT BANK AUDITOR'S REPORT

(As required under section 30 of Banking Regulation Act, 1949 as applicable to Co-operative societies and under Section 81(1)(a) of The Maharashtra Co-operative Societies Act 1960 read with Rule 69 of The Maharashtra Co-operative Societies Rules, 1961)

To,The Chairman,The Satara Sahakari Bank Ltd.Mumbai -400 031

Report on Financial Statements

1. We have audited the accompanying Financial Statements of “THE SATARA SAHAKARI BANK LIMITED”, Mumbai which comprise the Balance Sheet as at 31st March, 2017 and Profit and Loss Account and Cash Flow Statement for the year ended on that date and summary of significant accounting policies and other explanatory information.

Management's Responsibility for the Financial Statements:

2. Management of the Bank is responsible for the preparation of these Financial Statements that give true and fair view of the financial position and financial performance of the Bank in accordance with the Banking Regulation Act 1949, Banking Laws (Applicable to Co-operative Societies) Act 1965 and MCS Act 1960 and MCS Rules 1961. This responsibility includes the design, implementation and maintenance of internal control relevant to the preparation and fair presentation of the financial statements that are free from material misstatement, whether due to fraud or error.

Auditors' Responsibility:

3. Our responsibility is to express an opinion on these financial statements based on our audit. We conducted 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 perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement.

4. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The Procedures selected depend on the auditor's judgments, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the entity's preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate 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 evaluating the overall presentation of the financial statements.

5. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our Audit opinion.

Opinion

6. In our opinion, and to the best of our information and according to the explanation given to us, read with the Notes to the accounts, the financial statements give a true and fair view in conformity with the accounting principles generally accepted in India:

(a) in the case of the Balance Sheet, of the state of affairs of the Bank as at March 31, 2017; and

(b) in the case of Profit and Loss Account, of the Profit for the year ended on that date;

Report on Other Legal and Regulatory Requirements

7. The Balance Sheet and the Profit and Loss Account have not been drawn up in accordance with Section 31 of the Banking Regulation Act, 1949 ( as applicable to Co operative societies);

8. Subject to the limitations of the audit as indicated in Paragraphs 3 to 5 above, we report that:

a. We have obtained all the information and explanations which to the best of our knowledge and belief were necessary for the purpose of the audit and have found them to be satisfactory.

b. The transactions of the bank which have come to our notice have been within the powers of the Bank.

c. The returns received from the branch offices of the bank have been found adequate for the purpose of the Audit.

9. We further report that:

a. The Balance Sheet and Profit and Loss account dealt with by this report are in agreement with the books of account and returns; b. in our opinion, proper books of accounts as required by The Maharashtra State Co operative Societies Act, 1960 , MCS Rules, 1961 and as required by the Byelaws

have been kept by the bank so far as appears from our examination of those books. c. The bank is awarded ''A'' grade for the year 2016-17

Place: MumbaiDate: 02.06.2017

For Sanjay Rane & AssociatesChartered Accountant

Firm Registration No. 121089Wsd/-

(CA Sanjay Rane) Partner - M.No.037852



15

BALANCE SHEET

Place : MumbaiDated : 02/06/2017

For Dinesh Ahir & Co. Chartered AccountantsFirm Regn. No. 102586W sd/-(Dinesh Ahir)ProprietorInternal AuditorM. No. 033255

As per our report of even date attached For Sanjay Rane & Associates

Chartered AccountantsFirm Reg.No.121089W sd/-(Sanjay Rane)PartnerStatutory AuditorM.No.037852

CAPITAL & LAIBILITIES31-3-2016

Rs.31-3-2017

Rs.SCHE-DULE

TOTAL

CAPITAL

AUTHORISED SHARE CAPITAL

PAID UP SHARE CAPITAL

RESERVE FUND & OTHER RESERVES

DEPOSIT & OTHER ACCOUNTS

BORROWINGS

BILLS FOR COLLECTION BEING

BILLS RECEIVABLE (AS PER CONTRA)

OVERDUE INTEREST RESERVE

INTEREST PAYABLE

INTER BRANCH ADJUSTMENT A/C

OTHER LIABILITIES

PROFIT & LOSS ACCOUNT

CONTINGENT LIABILITIES

GAURANTEES ISSUED ON BEHALF OF CONSTITUENT (PREVIOUS YEAR 60,12,444/-) DEPOSITOR EDUCATION AND AWARENESS FUND PAYABLE (DEAF) (PREVIOUS YEAR 21,59,000/-)

25,00,00,000.00

18,24,52,100.00

24,17,24,015.84

7,26,19,46,982.57

--

--

--

2,03,95,104.00

1,04,03,217.00

--

16,46,55,023.48

3,28,70,440.04

25,00,00,000.00

22,63,30,250.00

26,94,56,198.88

8,04,59,73,479.97

--

--

4,60,000.00

2,58,36,152.00

4,74,24,773.00

4,25,664.50

18,73,44,382.12

4,74,07,263.35

61,32,070.00

19,26,968.73

1

2

3

4

5

6

7

8

9

10

11

1

2

3

4

5

885,06,58,163.82 791,44,46,882.93



16

AS AT 31ST MARCH, 2017

For & on behalf of The Board.

sd/-D. B. Wangde

Chairman

sd/-S.B.Shete

Vice Chairman

sd/-S. S. Durve

General Manager

sd/-M. R. Patil

C.E.O.

PROPERTY & ASSETS31-3-2016

Rs.31-3-2017

Rs.SCHE-DULE

TOTAL

CASH IN HAND BALANCES WITH OTHER BANKS IN CURRENT ACCOUNTS:IN OD ACCOUNT (MDCC BANK)TOTAL CASH & BANK BALANCE

MONEY AT CALL & SHORT NOTICE

INVESTMENTS

LOANS & ADVANCES

INTEREST RECEIVABLE

BILLS RECEIVABLE BEING BILLS FOR COLLECTION (AS PER CONTRA)

FIXED ASSETS

INTER BRANCH ADJUSTMENT A/C

OTHER ASSETS

COMPUTER SOFTWARE PROGRAMME DEVELOPMENT EXPENSES

18,78,65,932.00

39,93,52,082.59 58,72,18,014.59

--

2,83,12,60,284.00

5,18,41,43,036.53

8,69,13,965.51

4,60,000.00

5,30,75,650.00

--

10,68,80,208.19

7,07,005.00

39,79,53,707.5913,98,375.00

--

--

19,96,91,166.00

41,47,36,989.8922,68,486.00

61,66,96,641.89

--

2,56,80,70,836.00

4,48,30,18,439.90

10,19,00,223.00

--

5,08,03,009.50

9,730.00

9,33,17,946.24

6,30,056.40

1

2

3

4

5

6

7

8

9

10

11

6

7

8

9

10

11

885,06,58,163.82 791,44,46,882.93



17

PROFIT & LOSS A/C

Place : MumbaiDated : 02/06/2017

For Dinesh Ahir & Co. Chartered AccountantsFirm Regn. No. 102586W sd/-(Dinesh Ahir)ProprietorInternal AuditorM. No. 033255

As per our report of even date attached For Sanjay Rane & Associates

Chartered AccountantsFirm Reg.No.121089W sd/-(Sanjay Rane)PartnerStatutory AuditorM.No.037852

EXPENDITURE31-3-2016

Rs.31-3-2017

Rs.SCHE-DULE

76,96,04,103.98 88,05,56,137.95TOTAL

50,92,97,398.46 2,31,409.00

10,48,37,027.00

4,77,329.00

2,16,86,049.91

18,49,166.85

11,89,265.00

23,26,417.00

64,00,741.40

22,94,152.10

26,51,748.45

2,32,750.13 2,02,96,934.64

1,10,065.00 14,63,164.00

72,00,000.00 35,00,000.00

2,00,00,000.00

3,08,00,000.00 (1,01,954.00)

3,28,62,440.04

57,92,75,321.51

13,82,34,539.50

7,95,968.00

2,48,76,277.93

19,86,279.93

9,86,187.00

42,50,962.00

1,04,15,337.60

34,73,757.20

2,90,30,790.93 53,396.00

14,46,499.00

1,50,00,000.00

2,33,26,358.00

4,74,04,463.35

57,71,60,796.51 21,14,525.00

70,74,978.00 33,40,359.60

4,42,468.10 2,85,88,322.83

1,00,00,000.00 50,00,000.00

--

2,60,00,000.00 (26,73,642.00)

INTEREST PAID

INTEREST ON DEPOSITS INTEREST PAID ON BORROWINGS

SALARIES, ALLOWANCES, PROVIDENT FUND AND EX-GRATIA

DIRECTORS' AND BOARD ALLOWANCE

RENT, TAXES, INSURANCE, LIGHTING

POSTAGE, TELEGRAM AND TELEPHONE CHARGES

LEGAL & PROFESSIONAL CHARGES

AUDITOR'S FEES

DEPRECIATION & REPAIRS TO PROPERTY A. DEPRECIATION B. REPAIRS & MAINTENANCE

STATIONERY, PRINTING AND ADVERTISEMENT

OTHER EXPENDITURE A. A.G.M. EXPENSES B. OTHERS LOSS ON SALE OF ASSETS AMORTIZATION OF PREMIUM ON INVESTMENTS

PROVISIONS & CONTINGENCIES A. PROVISION FOR BDDR B. PROVISION FOR STANDARD ASSET C. PROVISION FOR CONTINGENCY PROVISION FOR TAXES A. CURRENT TAX B..DEFERRED TAX

NET PROFIT CARRIED TO BALANCE SHEET

1

2

3

4

5

6

7

8

9

10

1112

13

14

12

13

14

15

16

17

18

19

20

21



18

FOR YEAR ENDED 31ST MARCH, 2017

sd/-D. B. Wangde

Chairman

sd/-S.B. Shete

Vice Chairman

sd/-S. S. Durve

General Manager

sd/-M. R. Patil

C.E.O.

INCOME31-3-2016

Rs.31-3-2017

Rs.

SCHE-DULE

TOTAL76,96,04,103.98 88,05,56,137.95

55,32,11,204.50 20,17,54,923.90

-

72,05,977.35

6,829.00

-

1,65,390.00

72,59,779.23

-

62,03,82,318.00 22,40,81,529.96

3,44,390.00 84,48,08,237.96

76,72,949.78

1,90,22,643.00

52,330.00

89,10,657.21

89,320.00

INTEREST RECEIVED

INTEREST ON ADVANCES INTEREST ON INVESTMENTS INTEREST ON INCOME TAX REFUND

COMMISSION, EXCHANGE & BROKERAGE

PROFIT ON SALE OF ASSET

PROFIT ON SALE OF SECURITIES

DIVIDEND ON SHARES

OTHER INCOME

EXCESS PROVISION OF INCOME

TAX WRITTEN BACK

1

2

3

4

5

6

7

2223

24

25



19

For & on behalf of The Board.

PARTICULARS

SCHEDULE 1 : SHARE CAPITAL

Authorised Capital : 25,00,00,000.00 25,00,00,000.00 50,00,000 shares of Rs.50/- each (Previous Year 50,00,000 shares) Subscribed & Paid-up Capital : 45,26,605 shares of Rs.50/- each (Previous Year 36,49,042 shares) Individual 19,35,61,050.00 15,42,62,800.00 Others 3,22,48,000.00 2,76,68,100.00 Co-op Institutions 5,21,200.00 5,21,200.00

Total Share Capital 22,63,30,250.00 18,24,52,100.00

SCHEDULE 2 : RESERVE FUND & OTHER RESERVES Statutory Reserve Fund 10,21,61,125.61 9,37,09,483.57

Building Fund 1,93,00,000.00 1,93,00,000.00

Div. Equalisation Fund 1,31,87,834.00 1,15,79,843.00

Charity Fund 17,38,500.00 15,88,500.00

Platinum Jubilee Fund 17,00,000.00 17,00,000.00

Provision for Standard Assets 2,50,00,000.00 2,00,00,000.00

Bad & Doubtful Debts Reserve 4,77,44,071.27 3,77,44,071.27

Benevolent Fund 30,32,090.00 28,72,090.00

Investment Fluctuation Fund 1,50,00,000.00 1,40,00,000.00

General Reserve Fund 2,21,91,830.00 2,08,29,280.00

Housing Projects Reserve 27,85,748.00 27,85,748.00

Investment Depr.Reserve 1,56,15,000.00 1,56,15,000.00

Total Reserve Fund and Other Reserves 26,94,56,198.88 24,17,24,015.84

SCHEDULE 3 : DEPOSIT & OTHER ACCOUNTS

a. Term Deposits

From Individuals 369,44,86,026.34 353,86,60,405.92

From Societies 208,45,69,957.00 183,87,75,469.00

577,90,55,983.34 537,74,35,874.92

b. Saving Deposits

From Individuals 166,92,82,422.18 128,85,95,207.80 From Societies 10,64,70,813.24 8,65,55,178.00

177,57,53,235.42 137,51,50,385.80

c. Current Deposits

From Individuals 32,03,94,555.71 30,95,47,711.00

From Societies 17,07,69,705.50 19,98,13,010.85 49,11,64,261.21 50,93,60,721.85

Total of Deposits 804,59,73,479.97 726,19,46,982.57

31.03.2017Rs.

31.03.2016Rs.



SCHEDULES

20

PARTICULARS31.03.2017

Rs.31.03.2016

Rs.

SCHEDULE 4 : OTHER LIABILITIES Payorders Payable 1,09,28,745.81 89,16,317.43

Unclaimed Dividend 12,27,184.00 10,96,273.00

Provision for Income Tax 8,20,00,000.00 8,34,00,000.00

Audit Fees Payable 21,60,000.00 23,26,583.00

Provision for contingency 5,70,00,000.00 5,00,00,000.00

Staff Gratuity Payable 83,82,337.00 38,27,539.00

Provision for Ex-Gratia 75,00,000.00 --

Provision for leave Encashment 54,57,665.00 55,66,257.00

Provision for Int.Payable on Matured FD's 22,76,807.00 17,01,775.00

Provision for Misappropriation of Funds 21,48,842.00 21,48,842.00

Other Provisions 82,62,801.31 56,71,437.05

Total other Liabilities 18,73,44,382.12 16,46,55,023.48

SCHEDULE 5 : PROFIT & LOSS ACCOUNT : Profit B/F. 3,28,62,440.04 3,11,80,529.87

Profit as per Last B/S. 8,000.00 4,250.00

3,28,70,440.04 3,11,84,779.87

Less : Appropriation Reserve Fund 82,17,640.04 77,96,779.87

Share Dividend 1,50,00,000.00 1,50,00,000.00

Charity Fund 1,50,000.00 2,80,000.00

Benevolent Fund 2,00,000.00 5,00,000.00

Provision for Contingency 70,00,000.00 50,00,000.00

General Reserve 13,00,000.00 16,00,000.00

Investment Fluctation fund 10,00,000.00 10,00,000.00

Balance C/F. 2,800.00 8,000.00

Add: Profit for the year brought from Profit & Loss A/C. 4,74,04,463.35 3,28,62,440.04

Profit and Loss Account 4,74,07,263.35 3,28,70,440.04

SCHEDULE 6: BANK BALANCES WITH

OTHER BANKS

Reserve Bank of India 10,87,81,834.91 14,55,76,833.86

MSC Bank 23,97,074.24 23,58,574.24

MDCC Bank 94,42,422.79 1,40,34,461.79

Bank of Baroda 27,392.00 7,636.00

IDBI Bank 13,64,00,769.05 6,24,67,140.00

Oriental Bank of Commerce 8,648.16 8,740.00

Axis Bank 4,87,46,321.32 4,93,07,824.00

Saraswat Co op Bank Ltd 34,96,577.37 86,95,048.00

State Bank of India 4,83,404.50 12,39,982.00

HDFC Bank 14,821.00 35,614.00



21



Dombivli Nagari Sahakari Bank 3,653.67 6,323.00

Yes Bank 8,81,50,788.58 13,09,98,813.00

39,79,53,707.59 41,47,36,989.89

SCHEDULE 7: INVESTMENTS Central Govt. Securities 110,78,19,629.00 106,81,59,306.00

State Govt. Securities 60,47,19,405.00 42,81,80,280.00

Fixed Deposits with State & District Co- Op Banks 30,53,53,000.00 30,33,53,000.00

Fixed Deposits with other Banks 81,25,00,000.00 76,75,10,000.00

Shares of Co-op societies 8,68,250.00 8,68,250.00

Total Investments 283,12,60,284.00 256,80,70,836.00

SCHEDULE 8 : LOANS & ADVANCES

Short Term Loans: of which secured against Govt & Trustee Securities -- -- Other Tangible Securities 241,78,07,517.32 218,31,83,948.50

Personal sureties with or without -- --

Collateral Securities (of which Ovedue - Rs.8352594.52) (of which NPA - Rs.496670.95) 241,78,07,517.32 218,31,83,948.50

Medium Term Loans: of which secured against Govt & Trustee Securities -- 1,49,026.00

Other Tangible Securities 68,72,94,872.76 49,33,50,988.00

Personal sureties with or without Collateral Securities 17,28,68,640.00 10,49,63,849.20

(of which Ovedue - Rs.18219483.76) (of which NPA - Rs.5257386.00) 86,01,63,512.76 59,84,63,863.20

Long Term Loans: of which secured against Govt & Trustee Securities -- --

Other Tangible Securities 1,90,61,72,006.45 1,70,13,70,628.20

Personal sureties with or without -- --

Collateral Securities -- -- (of which Ovedue - Rs. 24586012.49) (of which NPA - Rs.24346933.15) 1,90,61,72,006.45 1,70,13,70,628.20

Total Loans and Advances 5,18,41,43,036.53 4,48,30,18,439.90


Rs.31.03.2016

Rs.

SCHEDULE 9 : INTEREST RECEIVABLE

On Investments (Including FD interest 4,77,63,204.51 6,69,29,230.00

22


Rs.31.03.2016

Rs.

On Standard Assets 1,33,14,609.00 1,45,75,889.00

On Loans & Advances (NPA) 2,58,36,152.00 2,03,95,104.00

Total Interest Receivable 8,69,13,965.51 10,19,00,223.00

SCHEDULE 10 : FIXED ASSETS

Office Premises

Opening W.D.V 1,31,08,462.00 1,45,64,955.00

Add: Purchased during the Year -- --

Less: Depreciation 13,10,846.00 14,56,493.00

1,17,97,616.00 1,31,08,462.00

Machinery Opening W.D.V 95,50,895.50 91,42,978.00

Add: Purchased during the Year 25,50,773.00 22,33,805.50

Less: Sold/w.off 86,306.00 2,98,164.00


1,03,12,159.00 95,50,895.50

Furniture & Fixture Opening W.D.V 2,51,16,965.00 2,48,39,250.00


Less: Sold/w.off -- 3,68,377.00


2,73,80,389.00 2,51,16,965.00

Motor Vehicle Opening W.D.V 22,68,857.00 26,69,244.00

Add: Purchased during the Year 7,99,674.00 --

Less: Sold/w.off -- --


26,68,227.00 22,68,857.00

Computers Opening W.D.V 7,57,830.00 4,50,140.00


Less: Sold/w.off -- --


9,17,259.00 7,57,830.00

Total Fixed Assets 5,30,75,650.00 5,08,03,009.50

SCHEDULE 11: OTHER ASSETS

Prepaid Expenses 1,45,146.00 2,47,443.00

Prepaid Insurance Premium 3,05,788.00 2,67,599.00

Stock of Printing & Stationery 10,88,266.00 12,26,766.00



23


Rs.31.03.2016

Rs.

Deffered Tax Asset 1,10,52,253.00 83,78,611.00

Telephone Deposits 2,04,315.00 2,02,820.00

Electric Deposits 4,18,405.00 4,12,505.00

BMC Deposits 13,220.00 13,220.00

Deposits for Premises 46,75,794.00 31,69,794.00

Shetkari Sahakari Sangh - Deposit 80,000.00 80,000.00

Advance For Income Tax AY 2011-12 -- 20,00,000.00

Advance For Income Tax AY 2012-13 1,21,00,000.00 1,21,00,000.00

Advance For Income Tax AY 2013-14 -- 1,94,00,000.00

Advance For Income Tax AY 2014-15 -- 1,00,00,000.00



Advance For Income Tax AY 2017-18 2,50,00,000.00 --

Other Receivable 21,53,842.00 21,48,842.00

Claims Receivable -- 5,07,686.00

Advance Account 32,84,140.00 6,44,524.24

Festival Advance 1,42,500.00 2,18,000.00

Service Tax Recievable 64,842.19 39,77,141.00

TDS On Interest (AY 2016-17) 5,995.00 5,995.00

TDS On Commission (AY 2017-18) 316.00 --

NFS ACQUIRER Receivable 19,33,500.00 --

Receivable from NPCI 15,916.00 --

Total Other Assets 10,68,80,208.19 9,33,17,946.24

SCHEDULE 12: INTEREST PAID ON DEPOSITS

Interest on Saving Deposits 6,19,55,060.67 5,15,18,854.17

Interest on Compulsory SB. Deposit 1,15,902.00 1,28,233.89

Interest on RIS 31,93,09,823.00 32,54,09,077.25

Interest on Fixed Deposits 17,01,82,046.50 9,32,04,570.35

Interest on Recurring deposit 1,14,19,139.34 1,04,26,912.60

Interest on Daily Deposit 1,21,085.00 1,39,586.00

Interest on Pension Scheme 6,25,127.00 6,95,484.00

Interest on Lakhpathi Thev Yojana 15,52,146.00 18,07,196.00

Interest on Sankalp Deposit Scheme 93,577.00 2,29,03,688.00

Interest on Utkarsh Deposit Scheme 4,277.00 29,16,046.20

Interest on Kishor Bachat Yojana 2,64,825.00 1,47,750.00

Interest on Baburao Shete Deposit Scheme 1,15,17,788.00 --

Total Interest paid on Deposits 57,71,60,796.51 50,92,97,398.46



24




Rs.31.03.2016

Rs.

SCHEDULE 13 : SALARIES,PROVIDENT FUND

AND EX-GRATIA

Salary & Provident Fund 11,17,21,030.00 9,05,53,073.00

Ex-Gratia 1,80,14,142.00 1,04,45,541.00

Labour Welfare Fund Expense 7,200.00 7,632.00

Recovery allowances 500.00 1,000.00

Gratuity 83,84,489.00 38,29,781.00

Staff Welfare Expenses 1,07,178.50 --

Total Salaries, Prov Fund - Ex Gratia 13,82,34,539.50 10,48,37,027.00

SCHEDULE 14 : DIRECTORS AND

BOARD ALLOWANCE

Sitting & Travelling Allowance 7,95,968.00 4,77,329.00

7,95,968.00 4,77,329.00

SCHEDULE 15 : RENT, TAXES,

INSURANCE AND LIGHTING

Rent & Taxes 18,00,571.75 17,02,363.00

Deposit Insurance Premium Exp. 73,00,917.00 63,43,835.00

Insurance Charges 9,93,277.00 8,93,452.00

Locker rent 9,246.00 21,131.00

Branch Premises Rent 1,01,10,711.00 78,89,497.00

License Fees 1,01,700.00 8,640.00

Professional Tax Expenses 3,125.00 15,625.00

Swach Bharat Tax 1,42,876.90 36,502.91

Krishi Kalyan Tax 58,285.28 --

Electricity Charges 43,55,568.00 47,75,004.00

Total Rent , Taxes , Insurance and Lighting 2,48,76,277.93 2,16,86,049.91

SCHEDULE 16 : POSTAGE, TELEGRAM

& TELEPHONE Postage & Telegram Expense 68,577.00 1,71,333.00

Telephone Charges 19,17,702.93 16,77,833.85

Total Postage, Telegram and Telephone 19,86,279.93 18,49,166.85

SCHEDULE 17: LEGAL & PROFESSIONAL CHARGES Legal Fees 2,73,550.00 7,19,720.00

Consultancy Charges 7,12,637.00 4,69,545.00

Total Legal and Professional charges 9,86,187.00 11,89,265.00

25


Rs.31.03.2016

Rs.

SCHEDULE 18 : AUDITORS FEES

Internal Audit Fees 27,45,000.00 12,26,417.00

Statutory Audit Fees 13,10,962.00 9,25,000.00

Information System Audit Fees 1,95,000.00 1,75,000.00

Total Auditor's Fees 42,50,962.00 23,26,417.00

SCHEDULE 19 : DEPRECIATION Depreciation On Premises 13,10,846.00 14,56,493.00

Depreciation Motor Vehicle 4,00,304.00 4,00,387.00

Depreciation On Machinery 17,03,203.50 15,27,724.40

Depreciation On Furniture & Fixtures 30,05,912.75 26,10,788.00

Depreciation On Computers 6,54,711.75 4,05,349.00

Total Depreciation 70,74,978.00 64,00,741.40

SCHEDULE 20 : STATIONERY, PRINTING &

ADVERTISEMENT

Printing & Stationary Expenses 29,40,220.20 20,63,010.25

Calender Printing Expenses -- 27,750.00

Advertisement 5,33,537.00 5,60,988.20

Total Stationery, Printing And Advt. 34,73,757.20 26,51,748.45

SCHEDULE 21 : OTHER EXPENDITURE

Travelling & Conveyance Expenses 13,06,225.00 9,75,152.00

Subscription 1,21,864.00 84,000.00

Court Fee & Stamp Expenses 1,830.00 1,300.00

Computer Programme & Development Exp. 62,50,822.40 47,62,718.00

Motor Jeep Expenses 17,04,591.77 15,81,365.74

Opening Ceremony Expenses 1,63,835.00 6,11,866.00

Training Expenses 1,55,537.00 1,07,829.00

Comission on Daily Deposit 2,52,707.00 2,68,392.00

Prize Distribution & Haldi Kumkum 3,88,787.00 3,86,287.00

Miscelleneous Expenses 31,75,059.12 22,58,703.48

Service Tax 60,00,000.00 --

CTS Service Charges 12,14,941.10 11,51,367.50

Programme Expenses 11,83,967.00 11,23,194.00

Clearing Courier Charges 5,89,270.64 5,48,823.00

Security Guard Charges 50,70,083.75 48,06,685.86

Cash Remittance Charges 6,196.50 4,742.00

NFS Charges 10,02,605.55 4,24,509.06

Claim Settlement Charges -- 12,00,000.00

Total Other Expenditue 2,85,88,322.83 2,02,96,934.64



26




Rs.31.03.2016

Rs.

SCHEDULE 22 : INTEREST ON ADVANCES

Interest on Employees Loan 11,53,507.00 6,32,294.00

Interest on Money at Call & Short Notice -- 18,76,690.00

Interest on Overdrafts 1,79,22,976.00 3,41,99,938.00

Interest on Cash Credit 18,92,58,975.00 16,29,76,649.85

Interest on Gold Loans 3,17,46,028.00 3,87,39,354.00

Interest on Surety Loan 1,66,97,110.00 87,91,406.00

Interest on Machinery Loan 12,18,346.00 12,45,202.00

Interest On Housing Loan 8,95,15,876.00 8,41,21,293.00

Interest on Stock Loan 1,50,386.00 2,14,782.00

Interest on Loan against Land & Building 15,78,57,978.00 13,96,94,473.00

Interest on Educational Loan 16,168.00 6,871.00

Interest on Loan against FDR 5,51,37,597.00 3,15,18,238.00

Interest on Loan Against NSC 12,635.00 57,092.00

Interest on Advances 56,86,554.00 58,89,631.65

Interest on Vehicle Loan 5,40,08,182.00 4,32,47,290.00

Total Interest 62,03,82,318.00 55,32,11,204.50

SCHEDULE 23 : INTEREST ON INVESTMENTS

Interest On Investment with Govt. Securities 12,79,36,791.96 10,90,10,200.90

Int. Received on FDR with other Banks 9,61,44,738.00 9,27,44,723.00

Total Interest on InvestmentS 22,40,81,529.96 20,17,54,923.90

SCHEDULE 24 : COMMISSION, EXCHANGE &

BROKERAGE

Bank Comission 76,35,285.78 71,69,591.35

Pan Agency Comission 1,180.00 1,659.00

PMJBY Comission 36,484.00 34,727.00

Total Commission, Exchange and Brokerage 76,72,949.78 72,05,977.35

SCHEDULE 25 : OTHER INCOME

Locker Rent 12,24,067.00 11,80,349.00

Service Charges 50,14,620.17 39,50,705.13

Other Credits 18,51,393.13 18,59,946.33

NFS Comission 8,20,576.91 2,68,778.77

Total Other Income 89,10,657.21 72,59,779.23

27

sd/- sd/- sd/- sd/-

sd/- sd/-

CASH FLOW STATEMENT FOR THE YEAR ENDED 31st MARCH, 2017

(Rupees in Lakh)

Date : 02.06.2017



Date : 02.06.2017

28

Significant Accounting Policies and Notes forming part of Balance Sheet as at 31st March, 2017 and Profit and Loss Account for the year ended on that date.

OVERVIEW

The Satara Sahakari Bank Limited, Mumbai (SSBL) was incorporated in 1960 and has completed its 57 years of providing wide range of Banking & Financial Services including Commercial Banking and Treasury Operations.

BASIS OF PREPARATION

The financial statements have been prepared and presented under the historical cost convention on the accrual basis of accounting, unless otherwise stated, and comply with generally accepted accounting principles, statutory requirements prescribed under the Banking Regulation Act, 1949, and the Maharashtra Co-Operative Societies Act, 1961, circulars and guidelines issued by the Reserve Bank of India ('RBI') from time to time, the Accounting Standards ('AS') issued by the National Advisory Committee on Accounting Standards (NACAS) and Institute of Chartered Accountants of India ('ICAI') and current practices prevailing within the banking industry of India.

USE OF ESTIMATES

The preparation of the financial statements, in conformity with generally accepted accounting principles, requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, revenues and expenses and disclosure of contingent liabilities at the date of the financial statements. Actual results could differ from those estimates. Management believes that the estimates used in the preparation of the financial statements are prudent and reasonable. Any revisions to the accounting estimates are recognized prospectively.

SIGNIFICANT ACCOUNTING POLICIES: -

1. Accounting Convention:

Financial statements are drawn up in accordance with historical cost convention considering going concern concept and in accordance with generally accepted accounting principles and practices prevailing in the Co- operative Banks in India except otherwise stated.

2. Revenue Recognition:

Income and Expenditure are accounted on accrual basis except as stated below:

i) Interest on Advances classified as Sub-standard, Doubtful or Loss Assets is recognized on realization. The unrealized interest in these cases is accounted in Overdue Interest Reserve.

ii) Interest on Fixed Income Securities is recognized on accrual basis in case it is serviced regularly. Income from Dividend, Commission, Exchange and Locker Rent are recognized as income on receipt basis.

iii) Software Expenses are amortized equally over a period of 3 years and are being shown under Deferred Revenue Expenditure.

3. Advances:

i) Advances are classified into Standard, Sub-standard, Doubtful and Loss assets in accordance with the guidelines issued by the Reserve Bank of India (RBI) from time to time.

ii) Provision on Advances categorized under Sub-standard, Doubtful and Loss Assets is made in accordance with the guidelines issued by the Reserve Bank of India. In addition, a general provision has been made on all standard assets as per RBI circular no. DCBR.BPD.(PCB) MC No. 12/09.14.000/2015-16 dated July 01, 2015.

iii) The overdue interest in respect of advances classified as Non-Performing Assets is provided separately under “Overdue Interest Reserve” as per the directives issued by the RBI.

iv) Advances shown in Balance Sheet are net of uncollected interest income in respect of PA & NPA.

4. Investments:

i) The Bank has categorized the investments in accordance with the RBI guidelines applicable to Urban Co-operative Banks. Accordingly, classification of investments for the purpose of valuation is done under the following categories:

(i) Held to Maturity (ii) Available for Sale (iii) Held for Trading

ii) The entire Investment Portfolio for the purpose of disclosure in the balance sheet has been categorized into :-



29

(i) Government Securities (ii) Other Approved Securities(iii) Shares in Co. op. Institutions(iv) PSU Bonds and Bonds issued by All India Financial Institutions (v) Certificate of Deposits & Others.

iii) Investments are valued as per the directives issued by the Reserve Bank of India from time to time and in line with the methodology suggested by Fixed Income Money Market and Derivatives Association of India (FIMMDA).

iv) Investments classified under “Held to Maturity” category have been valued at acquisition cost. Premium, if any, on such investments is amortized over residual life of particular investment.

v) Investments under “Available for Sale” category have been marked to market as per RBI directives. While net depreciation, if any, under each classification has been provided for, net appreciation, if any, has been ignored.

vi) Investment under “Held for Trading” category have been marked to market on the basis of guidelines issued by RBI. While net depreciation, if any, under each classification has been provided for, net appreciation, if any, has been ignored.

vii) Broken period interest in respect of investment purchased is treated as an item of expenditure under the Profit and Loss account.

viii) Treasury bills & Certificate of Deposits under all the classifications have been valued at carrying cost.

ix) Market value in the case of State Government and other Securities, for which quotes are not available is determined on the basis of the “Yield to Maturity” indicated by Primary Dealers Association of India (PDAI) jointly with Fixed Income and Money Market Derivatives Association of India (FIMMDA).

x) The shares of Co-operative Societies held by the Bank in respect of ownership premises have been carried at acquisition cost.

5. Fixed Assets and Depreciation:

5.1 Fixed Assets are stated at their written down value. Cost includes incidental expenses incurred on acquisition of assets.

5.2 Fixed Assets (except computers) are depreciated on written down value method at the rates prescribed in the Income Tax Rule, 1961. Computers are depreciated on straight line method basis at 33.33% as per RBI guidelines, but it is not taken on pro-rata basis.

5.3 Depreciation on fixed assets purchased during the year is charged for the full year, if the assets are purchased and retained for 180 days or more, otherwise it is charged at 50 % of the normal rate.

6. Retirement Benefits to Employees

6.1 Bank has a separate trust named as “Satara Sahakari Bank Ltd. Gratuity Scheme” and provided a sum of Rs. 83.82 lakhs as annual contribution to the Gratuity Fund on actuarial basis with ICICI Prudential Life Insurance Co. Ltd. in accordance with the provisions of Payment of Gratuity Act, 1972.

6.2 Bank has a separate insurance policy under “HDFC Group Traditional Plan” and provided a sum of Rs.54.57 lakhs as annual contribution, towards privilege and sick leave encashment on actuarial basis. Hitherto, sick leave encashment was accounted for on cash basis and has been brought under the insurance policy from current year

6.3 Bank's contribution to provident fund is accounted for on basis of contribution to the Employees Provident Fund Scheme, 1952.

7. Income Tax

7.1 Income Tax expenses comprise of Deferred Tax and Current Tax. Current Tax is provided for in accordance with the applicable provisions of the Income Tax Act, 1961 and Rules framed there under.

7.2 Deferred Tax is recognized on account of timing difference between the book profits and the taxable profits. The tax effect of timing differences between the book profits and taxable profits measured using the tax rates and tax laws that have been enacted or substantially enacted at the Balance Sheet date are reflected through Deferred Tax Asset (DTA) /Deferred Tax Liability (DTL).

8. Service tax input credit amounting to Rs.60.00 lakhs, which cannot be set off against service tax liabilities, is debited to the profit and loss account in the current year.

9. Provisions, Contingent Liabilities and Contingent Assets:

A provision is recognized when the bank has a present obligation as a result of past event where it is probable that an outflow of resources will be required to settle the obligation, in respect of which a reliable estimate can be made. Provisions are not discounted to its present value and are determined based on best estimate required to settle the obligation at the Balance Sheet date. These are reviewed at each Balance Sheet date and adjusted to reflect the current best estimates.



30

6. Accounting for Taxes on Income

The bank has accounted for Income Tax in compliance with AS-22. Accordingly, Deferred Tax Assets and Deferred Tax Liabilities are recognized. The application of Deferred Tax has resulted in a net credit of Rs. 26.74 lacs to the Profit and Loss account for the year ended 31st March 2017 and the Deferred Tax Asset (net) of Rs. 110.53 lacs has been shown in “Other Assets”. The major components of deferred tax asset (DTA) & deferred tax liability (DTL) are as under:-

A disclosure of Contingent Liability is made when there is:

i) A possible obligation arising from a past event, the existence of which will be confirmed by occurrence or non-occurrence of one or more uncertain future events not within the control of the Bank; or

ii) A present obligation arising from a past event which is not recognized as it is not probable that an outflow of resources will be required to settle the obligation or a reliable estimate of the amount of the obligation cannot be made.

iii) Where there is a possibility or likelihood of outflow of funds, necessary provisions have been made as per the RBI guidelines, to meet such contingencies.

iv) Contingent Assets are not recognized in the financial statements. However, Contingent Assets are assessed continually.

NOTES ON ACCOUNTS

1. All the Branches and Head Office are having Core Banking Software and all the books of accounts are balanced with General Ledger Balance Book.

2. None of the assets have been revalued during the year.

3. Segment Reporting:

The entire operations of Bank are one composite banking business not liable to different risks & rewards, consequently in the opinion of the Bank, Accounting Standard 17 on Segment Reporting is not applicable to Bank.

4. Related Party Disclosure: The Bank is a Co-operative Society registered under the Maharashtra Co-operative Societies Act 1960 and there are no related parties requiring disclosure as per Accounting Standard 18 issued by The Institute of Chartered Accountants of India other than one key Management Personnel, viz. Mr. Mansing Rajaram Patil, Chief Executive Officer of Bank. However in terms of RBI circular dated 29th March 2003, he being single party under the category, no further details are needed to be disclosed.

5. Leases The bank has cancelable operating leases and the disclosures under AS 19 on Leases issued by The Institute of Chartered Accountants of India is as under :-

Particulars

Future Lease Rental Payable as at the

end of the year

-Not later than one year

-Later than one year and not later than five years

-Later than 5 years

Total of minimum lease payments recognized

in the profit and loss account for the year

Total of future minimum sub-lease payment

expected to be received under non cancellable sub lease

Sub lease payments recognized in the Profit and Loss

Account for the year.

31.03.2016

230.05

75.34

154.71

–--

78.89

--

--

31.03.17

455.69

101.11

354.58

--

101.11

--

--

(Rs. In Lakh)



31

DTA

Provision for Ex-gratia

Provision for BDDR

DTL

Depreciation on Fixed Assets

Net DTA / (DTL)

As on 31.03.2016

0

88.09

(4.30)

83.79

For the year ended 31.03.2017

25.96

NIL

0.78

26.74

As on 31.03.2017

25.96

88.09

(3.52)

110.53

(Rs. In Lakh)

7. Impairment of Assets

The Bank has ascertained that there is no material impairment of any of its assets and as such no provision under Accounting Standard 28 on Impairment of Assets (AS-28) issued by the ICAI is required.

8. Previous year's figures have been regrouped / rearranged wherever necessary to conform to the presentation of accounts of the current year.

9. (a) Contingent Liabilities Contingent Liabilities on account of Bank Guarantees, Letters of Credit, Forward Contracts and Bills under Import LCs

are as follows:

Particulars 31.03.2017 31.03.2016

Bank Guarantees 61.32 60.12

Closing Bal. of Amt Transferred to DEAF 19.27 21.59

Total 80.59 81.71

9. (b) Contingent liability – Others for which the Bank is contingently liable.

Opening balance of amounts transferred to DEAF 21.59 10.63

Add: Amounts transferred to DEAF during year 2.28 10.96

Less: Amounts reimbursed by DEAF towards claims 4.60 00.00

Closing Balance of amounts transferred to DEAF 19.27 21.59

31.03.2017 31.03.2016

(Rs. In Lakh)

10. As per the policy, where there is a possibility or likelihood of outflow of funds, necessary provisions have been made as per the RBI guidelines, to meet such contingencies.

11. Provision for Bad and Doubtful Debts:- The break –up of the provision for Bad and Doubtful Debts is as follows :-

Particulars

A) Bad and Doubtful Debts ReserveOpening Balance B) Prov. for BDDR as per IT Act Opening Balance Add : Current Year Provision

Total Provision for BDDR (A+B)

31.03.2017Rs.

159.95

217.49 100.00317.49477.44

31.03.2016Rs.

159.95

145.4972.00

217.49377.44

12. Prior Period Items

There are no items of material significance in the prior period account requiring disclosure.

13. The Bank has not restructured any account during the year ended March 31, 2017.

(Rs. In Lakh)



32

Movement of NPAs

Particulars Rs.in Lakh

Gross NPAs as on 31.03.2016

Addition (fresh NPAs) during the year

Sub-total (A)

Less :-

I Up-gradations

ii. Recoveries ( excluding recoveries in up-graded accounts )

iii. Account Closed

iv. Write offs

Sub-total (B)

Gross NPAs as on 31.03.2017

Overseas Assets, NPAs and Revenue

Off Balance Sheet SPVs sponsored.

14. Concentration of Deposits, Advances, Exposures and NPAs. Concentration of Deposits:

(Rs. In Lakh)

Total Deposits of twenty largest depositors 16135.55

Percentage of deposits of twenty largest depositors

to total deposit of the Bank. 20.05%

Total Exposure to twenty largest borrowers/customers 7198.14

Percentage of Exposure to twenty largest borrowers to total 13.88%

exposure of the Bank on borrowers/customers.

Concentration of Exposure

Concentration of Advances :

Total Advances of twenty largest borrowers 7198.14

Percentage of advances of twenty largest

borrowers to total Advances of the Bank. 13.88%

(Rs. In Lakh)

(Rs. In Lakh)

Total Exposure to top ten NPA accounts. 233.37

Concentration of NPAs (Rs. In Lakh)

Sector wise NPAs.

Sr. No. Sector Percentage of NPA to Total Advances in that sector

1 Agriculture & Allied activities ----

2 Industry ( Micro, Small, Medium and Large) ----

3 Services ----

4 Personal Loans 0.82%

219.07

91.74

310.81

0.00

0.57

9.23

0.00

9.80

301.01

NIL

NIL

sd/-

sd/-

sd/-

sd/-

sd/-

Date : 02.06.2017

sd/-

Date : 02.06.2017



33



BALANCE SHEET OF BANKDISCLOSURE OF INFORMATION AS ON 31.03.2017

34

1 2 3 4 5 6 7 8 9

10 11 12De.

ke´À.

Ke®e

& leHe

Meeru

e

þsJeer

Je keÀ

pee&Je

jerue

J³eep

e

Heieej

Je Y

elles,H

eé.HebÀ

[

Je yee

sveme

meb®e

eueke

À meY

ee yewþ

keÀ Je

He´Jeem

e YeÊ

ee

Yee[

s,keÀj

,Jeerp

e Hegj

Jeþe

Je Fv

Megjv

me

keÀe³e

oe Je

meu

ueeie

ej He

Àer

ìHeeu

e Je ì

sefueHe

Àesve

Dee@[

erì He

Àer

Iemeej

e Deee

fCe De

ceesjì

e³ePe

sMeve

íHee

F& mì

sMevej

er Je p

eeefnj

ele

Flej

Ke®

e&

Dev³

e lej

legoer

efveJJe

U ve

HeÀe

meve

201

6ö20

17

®ee D

eboep

es Ke®

e&

60,0

0,00

,000

13,5

0,00

,000

6,00

,000

3,00

,00,

000

15,0

0,00

0

26,0

0,00

0

30,0

0,00

0

85,0

0,00

0

35,0

0,00

0

3,00

,00,

000

4,00

,00,

000

4,53

,00,

000

meve

201

6ö20

17

®ee H

e´l³e

#e K

e®e&

meve

201

7ö2

018

®ee D

eboep

es Ke®

e&

GlH

evve

leHeM

eerue

J³eep

e Je J

eìeJe

Flej

pece

e

meve

201

6ö20

17

®es D

eboep

es GlH

evve

meve

201

6ö20

17

®es He

´l³e#

e GlH

evve

meve

201

7ö2

018

®es D

eboep

es GlH

evve

57,9

2,75

,322

13,8

2,34

,539

7,95

,968

2,48

,76,

278

9,86

,187

19,8

6,28

0

42,5

0,96

2

85,2

1,47

7

34,7

3,75

7

3,24

,24,

547

3,83

,26,

358

4,74

,04,

463

62,0

0,00

,000

15,0

0,00

,000

10,0

0,00

0

3,00

,00,

000

15,0

0,00

0

25,0

0,00

0

45,0

0,00

0

90,0

0,00

0

40,0

0,00

0

3,45

,00,

000

4,00

,00,

000

5,30

,00,

000

87,0

0,00

,000

3,00

,00,

000

84,4

8,08

,238

3,57

,47,

900

91,0

0,00

,000

4,00

,00,

000

SketÀ

Ce90

,00,

00,0

0088

,05,

56,1

3895

,00,

00,0

0090

,00,

00,0

0088

,05,

56,1

3895

,00,

00,0

00

meve

201

7-20

18 ®

es Debo

epeHe

$ekeÀ



35



36

DeveglHeeefole keÀpex DeeefCe l³eemeeþer keÀjeJ³ee ueeieCeeN³ee lejletoer®ee lekeÌlee(Sve.Heer.S.) 31.03.2017 DeKesj (jÀHe³es ueeKeele)

SketÀCe ³esCes keÀpex ë jÀ. 518,41.43

ye 1) meeOeejCe keÀpex

2) mebMeef³ele keÀpex

De) 1 Je<ee&®³ee Deeleerue

megjef#ele

Demegjef#ele

ye) 1 les 3 Je<ee&leerue

megjef#ele

Demegjef#ele

keÀ) 3 Je<ee&Jejerue

megjef#ele

Demegjef#ele

3) yeg[erle keÀpex

De.ke´À. ³esCes keÀpee&®es JeieeakeÀjCe SketÀCe KeeleerSketÀCe ³esCes

jkeÌkeÀcelejleto lejletoer®eer jkeÌkeÀce

De Gllece keÀpex 6031 51540.42 0.40… Je 1… 223.96

SketÀCe (ye) 30 301.01 162.91

SketÀCe (De + ye) 6061 51841.43 386.87

DenJeeuemeeueer DeveglHeeefole keÀpee&meeþer jÀ.162.91 ueeKe FlekeÀer lejleto keÀjCes DeeJeM³ekeÀ nesles. Hejbleg ³eemeeþer yeBkesÀves jÀ.477.44 ueeKe FlekeÀer lejleto kesÀueer Deens. lemes®e Gllece keÀpee&meeþer jÀ.223.96 ueeKe FlekeÀer lejleto DeeJeM³ekeÀ nesleer. ³eemeeþer yeBkesÀves jÀ.250.00 ueeKe FlekeÀer lejleto kesÀueer Deens.

ìerHe ë

1

1

2

6

-

3

-

17

90.38

14.11

10.51

64.96

-

36.33

-

84.72

9.04

2.82

10.51

19.49

-

36.33

-

84.72

10…

20…

100…

30…

-

100…

-

100…

vesì Sve.Heer.S. 0 %

Documents

veeWoCeerke=Àle keÀe³ee&ue³e ë- Yeejleer³e ke´Àer[e ...satarabank.net/images/Anual_Report_2016-2017.pdf · efo meeleeje menkeÀejer ye@BkeÀ efue., cegbyeF& 57 Jee Jeeef