Financial Statement

				(Rs. in Lakhs)
Sr.	Particulars	31.03.2023	31.03.2024	31.03.2025
1	Capital	208.03	223.88	252.09
2	Reserves	5277.13	5140.22	5326.04
3	Net Worth	3843.86	2728.35	4011.69
4	Working Capital	31477.71	33096.88	34251.89
5	Net Profit	750.00	437.00	405.45
6	Provision for Standard Assets	83.23	88.30	88.33
7	Total Deposits	26329.65	27524.65	29212.64
	Decrease / Increase (%)	-3.97%	4.54%	6.13%
8	Total Advances	14050.45	16754.38	18377.21
	Decrease / Increase (%)	11.78%	19.24%	9.69%
9	Credit / Deposit Ratio	53.36%	60.87%	62.91%
10	Total Investments	13114.03	14462.57	13580.50
11	SLR Investments	10608.01	9194.1	6824.08
	% of Total Investments	80.89%	63.57%	50.25%
12	Average cost of funds	4.14%	4.90%	5.06%
13	Average cost of Deposits	4.73%	4.88%	5.41%
14	Average yield on Advances	7.57%	8.39%	8.24%
15	Business per Employee	1392.42	1428.36	1359.71
16	Gross NPA	67.08	59.47	56.87
	% of Gross Advances	0.47%	0.35%	0.31%
17	Capital Adequacy Ratio	19.95%	19.36%	25.46%
18	Staff Cost to total Income	9.44%	9.87%	8.98%
19	Cost / Revenue Ratio	72.50%	85.59%	84.48%
20	Net Income per staff	25.86%	14.10%	11.26%
21	No of regular share holders	15678	15877	16003
22	Nominal Share holders	496	695	916
23	Earning per share	360.52	195.18	160.84
24	Term Deposits / Total Deposits	69.21%	69.03%	72.81%
25	Investment Dep. Reserve	290	177.3	9.51
26	Adance to Directors (FDOD)	13.14	21.06	15.11
27	Housing Loan	1903.05	2137.18	2542.58
28	NPA Provision	852.43	958.27	56.87
	Required Provision	67.08	59.47	56.87
	Excess Provision	785.35	898.8	–