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Rupees in Lacs

Particulars

Quarter ended December 31, 2021

(3 Months)
Reviewed

Quarter ended December 31, 2020

(3 Months)
Unaudited

Year to date figures for current period ended
December 31, 2021

(9 Months)
Reviewed

Year to date figures for current period ended
December 31, 2020

(9 Months)
Unaudited

Year ended March 31, 2020

(12 Months)
Audited

Interest Earned 14,690 12,955 42,495 37,957 51,144
Interest/discount earned on advances/bills 11,140 9,313 31,921 27,695 37,243
Interest earned on Investments 2,131 2,152 6,309 6,327 8,468
Interest on balances with Reserve Bank of India and other Inter Bank Funds 1,419 1,490 4,265 3,935 5,433
Others - - - - -
Other Income 1,152 1,242 3,862 3,070 4,583
Total Income 15,842 14,197 46,357 41,027 55,727
Interest Expended 8,195 7,961 24,094 23,419 31,283
Operating Expenses 4,829 4,417 14,272 12,668 17,296
Total Expenditure 13,024 12,378 38,366 36,087 48,579
Operating Profits before Provisions and Contingencies 2,818 1,819 7,991 4,940 7,148
Provisions and Contingencies (other than taxes) 621 248 2,230 1,378 1,775
Exceptional Items - - -
Profits before Taxes 2,197 1,571 5,761 3,562 5,373
Income Tax 532 390 1,389 861 1,295
Net Profit for the Period / Year 1,665 1,181 4,372 2,701 4,078
Profit brought forward 15,064 11,397 12,629 9,877 9,878
Total 16,729 12,578 17,001 12,578 13,956
Appropriations
Transfer to Statutory Reserve - - - - 1,020
Transfer to Special Reserve - - - - 69
Transfer to/(from) Investment Reserve Account - - - - (1)
Transfer to Investment Fluctuation Reserve - - - - 239
Dividend - - 272 - -
Balance carried over to Balance sheet 16,729 12,578 16,729 12,578 12,629
Total 16,729 12,578 17,001 12,578 13,956
Analytical Ratios
Capital Adequacy Ratio (%) 19.98% 20.71% 19.98% 20.71% 19.80%
Basic EPS (₹) (Non-annualised) for Quarter / Half Year / Year 4.90 3.49 12.87 7.98 12.04
Diluted EPS (₹) (Non-annualised) for Quarter / Half Year / Year 4.85 3.47 12.77 7.95 11.98
Face Value (₹) 10.00 10.00 10.00 10.00 10.00
Net Worth1 49,514 43,592 49,514 43,592 45,079
Debt Equity Ratio2 1.05 0.92 1.05 0.92 1.37
Total Debt to Total Assets3 7.24% 6.40% 7.24% 6.40% 9.68%
Return on Assets4 0.96% 0.77% 0.88% 0.63% 0.70%
NPA Ratios
Gross NPA 10,072 5,477 10,072 5,477 7,824
Net NPA 5,220 3,235 5,220 3,235 4,214
% of Gross NPA 2.41% 1.54% 2.41% 1.54% 2.08%
% of Net NPA 1.26% 0.91% 1.26% 0.91% 1.13%

1 Net worth means the aggregate value of the paid-up share capital and all reserves created out of the profits and securities premium account and debit or credit balance of profit and loss account, after deducting the aggregate value of the accumulated losses, deferred expenditure and miscellaneous expenditure not written off, as per the balance sheet, but does not include reserves created out of revaluation of assets, write-back of depreciation and amalgamation.

2 Debt Equity Ratio means ratio of total borrowings to share capital plus reserves.

3 Total Debts to Total Assets means ratio of total borrowings to total assets.

4 Return on Assets means ratio of profit after tax to average total assets.


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