Sharad Sahakari Bank

33 ok okf”kZd vgoky lu 2005&2006

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• F$UoZX}e :]±H${ M{ _mJ©Xe©H$,bm{H$Z{V{ d ;m Vmbw·;mÀ;m odH$mgmM{ oeë[H$ma AmXaUr; _m.Zm.oXbr[amdOr dig{ [mQ>rb (COm©,d¡ÚH$s; Cƒ d V§ÌoejU _§Ìr ,_hmam”Vª amÁ;) ;m§Zr ]±H${ À;m H$m_H$mOm_Ü;{ ZdrZ oXem R>adrU{]m]V ]±H${ g gmVË;mZ{ _mJ©Xe©Z H{${ b{ Amh{.]±H${ À;m àJVr_Ü;{ Ë;m§Mm gX¡d A_wë; gh^mJ AgVm{. ;m_wiM{ ]±H${ Mr Iè;mAWm©Z{ àJVr Pmb{br Amh{,h{ _r Z_«[U{ Z_yX H$é BoÀN>Vm{ ;m]Ôb g§MmbH$ _§S>i d ]±H$ Ë;m§M{ eVe: F$Ur Amh{.

OwÞa Vmbw·;mM{ Am_Xma _m.d„^e{R> ]{ZH{$ d I{S> Vmbw·;mM{ Am_Xma _m.oXbr[e{R> _m{ohV{ [mQ>rb, ;m§Zr ]±H${ g oXb{ë;m ghH$m;m©]Ôb _r Ë;m§Mm F$Ur Amh{.

Km{S>JJ§ m ghH$mar gmIa H$maImZm ob.M{ M{Aa_Z _m.Aem{H$amd [dma d ì;dñWm[H$s; g§MmbH$ lr.[mQ>rb ;m§Zr ]±H${ g d{im{di { r O{ ghH$m;© H{$b{ Ë;m ]Ôb _r Ë;m§Mm F$Ur Amh{. o^_m-[mQ>g ghH$mar gmIa H$maImZm ob.M{ M{Aa_Z _m.amhþbXmXm Hw$b d ì;dñWm[H$s; g§MmbH$ gmm{. ;m§Zr ]±H${ g d{im{di { r O{ ghH$m;© H{$b{ Ë;m]Ôb _r Ë;m§Mm F$Ur Amh{.

9

•An^Z§XZ :]°H§ ${ M{ g^mgX _m.lr.odîUy e{R> qhJ{ ;m§Mr Am§]J{ md VmbwH$m am”VªdmXr H$m±Jg {« AÜ;j[Xr ZwH$VrM oZdS >Pmbr Amh{. Vg{M Am_M{ _mJ©Xe©H$ OwÞa Vmbw·;mM{ Am_Xma _m.lr.d„^e{R>Or ]{ZH{$ ;m§Mr [wU{ oOëhm am”VªdmXr H$m±Jg {« AÜ;j[Xr oZdS> Pmb{br Amh{. ;m Xm{Km§M{ Amåhm gd© g^mgX ]§Yy ^oJZtÀ;m dVrZ{ hmXuH$ Ao^Z§XZ ! Vg{M Ë;m§À;m ^mdr amOH$r; dmQ>Mmbrg ew^À{ N>m.

• CËH¥$ï>> ]±H$ [wañH$ma :]±H${ bm gZ 2004-2005 gmR>rMm oX _hmam”Vª-> ñQ>Q{ > H$m{-Am°[. ]±·g Agm{ogEeZ ob._§]w B©.;m§Mm [píM_ _hmamï-> od^mJmVyZ àW_ H« _m§H$mMm H$¡.[Ù^yfU dg§VXmXm [mQ>rb CËH¥$ï> ZmJar ghH$mar ]±H$ [wañH$ma o_imbm Amh{.h{ Z_wX H$aVmZm _bm ode{f AmZ§X hm{V Amh{.hm o_imb{bm [wañH$ma åhUO{ ]±H${ Z{ H{$b{ë;m Mm§Jë;m H$m_mMr [m{M[mdVrM Amh{. Am[Um gd© g^mgX ]§Yy ^oJZtÀ;m ghH$m;m©_i w M{ ]±H$ [wañH$maàV H$m_ H$é eH$br ;mMm _bm amñV Ao^_mZ dmQ>Vm{.

• Am^ma:Iq.ks ftYg;krhy H$m;©aV AgUmè;m ododY [Vg§ñWm§Zr Am[ë;m A_wë; R>d{ r Am_À;mH$S>{ R>d{ Zy ]±H$ dmT>rgmR>r O{ ghH$m;© H{$b{ ;m]Ôb g]§YrV g§ñWm§À;m [XmoYH$mè;m§Mm _r Am^mar Amh{ d ;m[wT>h{ r ghH$m;m©Mr A[{jm ì;·V H$aVm{.

Ahdmb dfm©V _m.ghH$ma Am;w·V gmm{. d Ë;m§M{ ghH$mar, _m.oOëhm C[oZ]§YH$ gmm{. d Ë;m§M{ ghH$mar, _hmam”Vª amÁ; ghH$mar ]±H$ ob._w]§ B© M{ gd© [XmoYH$mar, [wU{ oOëhm _Ü;dVu ]±H${ M{ gd© [XmoYH$mar d Ë;m§M{ ghH$mar,[wU{ oOëhm ZmJar ]±·g Agm{.M{ AÜ;j _m.lr.AoZb ^m{gb{ gmm{., g{H${« Q>ar _m.lr.E_.E.X{e_wI gmm{. d Ë;m§M{ ghH$mar ;m gdm©M{ ]hþ_m{b ghH$m;© d _mJ©Xe©Z ]±H${ g bm^b{. ;m]Ôb _r ;m gdmªMm Am^mar Amh{.Ahdmb dfm©V Am§]J{ md Vmbw·;mVrb am”VªdmXr H$m±Jg {« M{ ;wdH$ AÜ;j _m.lr.AéUamd oJa{, _m.lr.gImam_ Km{S>H{ $a,g^m[Vr [§Mm;V go_Vr,_m.lr.X{dXÎm oZH$_ gmm{.,AÜ;j o^_me§H$a gh.gmIa H$maImZm,lr.gwXm_amd H$mi{,C[mÜ;j, o^_me§H$a gh.gmIa H$maImZm,_m.lr.Aem{H$ AÊUm _m{hm{i, _mOr ImgXma d AÜ;j [wU{ oOëhm oejU _§S>i.,_m.lr._méVr bm{hH$a{,g§MmbH$ [wU{ oO._.g.]±H$ _;m©. _m.lr.JOmZZ [mQ>rb gmm{. àm§V AoYH$mar I{S>,_m.lr.XÎmmÌ; H$odVH{$ gmm{.VhgrbXma Am§]J{ md VmbyH$m._m.lr.gË;oOV ]T>{ gmm{.JQ>odH$mg AoYH$mar Am§]J{ md VmbyH$m [§Mm;V go_Vr,_m.lr.AmZ§X H$Q>H${ gmm{.,ghmæ;H$ oZ]§YH$ _§Ma, Am§]J{ md VmbwH$m am”VªdmXr H$m±Jg {« H$m;m©Ü;j _m. [«m.amOmam_ ]mUI{b,{ Am§]J{ md VmbwH$m am”VªdmXr H$m±Jg {« À;m _ohbm AÜ;jm _m.gm¡.gwf_mVmB© qeX{, _m.lr. kmZ{ída JmdS>,{ _mOr g^m[Vr H¥$.C.]mOma go_Vr, _m.lr.dg§Vamd ^mb{amd, g^m[Vr H¥$.C.]mOma go_Vr, am”VªdmXr H$m±J«{g [jmM{ H$m;©H$V} _m.lr.oedmOramd T>m{]i{, _m.lr.am_e{R> H$mi{,ga[§M Km{S>{Jmd, gm¡.OZm]mB© CJb{,oO.[.gXñ;m, _m.lr.oZiye{R> hm{Zamd,_m.gm¡.ohamVmB© [di{,[§.g.gXñ;m, _m.lr.]mOramd ]mad{, Aem{H$ AmXH$ [mQ>rb,XmXm^mD$ [m{IaH$a,gm_mnOH$ H$m;©H$V}, _m.lr.JU[Vamd B§Xm{a,{ gaoMQ>Urg am”VªdmXr H$m±Jg {« , _m.lr.]m]wamdXmXm ]m§Ja,_m.lr._hmX{damd Yw_mi,_mOr AÜ;j,_m.lr.dg§Vamd ImbH$a ,_m.lr.VwH$mam_ ^m{H$Q>{,C[g^m[Vr [§.go_Vr. _m.gm¡.B§X]y mB© bm{hH$a{,_mOr g^m[Vr._m.lr.AaqdX _m{a_ma{,_m.lr.gw^mf _m{a_ma{, _m. > gm¡.gwoZVm [mQ>rb,_mOr C[mÜ;jm B.gd© ì;º rZr d{im{di { r H{$b{ë;m ghH$m;m©]Ôb _r ;m gdm©M§ m Am^mar Amh{. ]±H${ Z{ H{$b{ë;m H$m;m©Mr àngÜXr ;m ^mJmVrb [ÌH$mam§Zr H{$br Amh{. _§Ma ;{Wrb O{ð> [ÌH$ma lr.S>r.H{$.dig{ [mQ>rb, lr.hm{Zamd, lr.qhJ{, lr.OmYd, Km{S>{Jmd ;{Wrb [ÌH$ma lr.Om{er, lr.Pm{S>J{, lr.H$mÊUd. lr.Km{S>{H$a,Zmam;UJmd ;{Wrb [ÌH$ma lr.[mQ>,{ lr.H§$mH$ar;m,Am{Vaw ;{Wrb [ÌH$ma lr._{ha{ ga,lr.Vm§],{ lr.oeVm{i{ ga, lr.AdMQ>>,[wU{ ;{Wrb O{ð> [ÌH$ma lr.[m|j{ d lr.Om{er(_§Ìmb; [ÌH$ma) ;m gdmªM{ ]hþ_m{b ghH$m;© Amåhmg o_imb{ Amh{.;m ]Ôb _Z:[wdH© $ Am^ma !

Ahdmb gmbmV ]±H{ M{ gd© H$m;X{era g„mJma ;m§Zr d{im{di { r ]±H${ g H$m;X{era g„m X{dZy ghH$m;© H{$b{ Ë;m]Ôb _r Ë;m gdmªMm Am^mar Amh{._mP{ ghH$mar C[mÜ;j _m.lr.odZm;H$amd Vm§],{ _mOr AÜ;j _m.lr. AÊUmgmh{] OmYd,_m.lr.]mimgmh{] ]mUI{b,{ _m.lr.VwH$mam_e{R> H$mZS>{ d BVa gd© ghH$mar g§MmbH$ ;m§M{ _bm Z{h_rM ghH$m;© bm^b{ ;m ]Ôb _r ;m gdmªMm F$Ur Amh{.

Aem àH$ma{ àM§S> AmË_odídmgmZ{ gd© eº$soZer AMyH$ oZU©; àH«$r;m§Zr ]XbË;m Yma{UmMm pñdH$ma H$éZ ;emM{ oeIa ga H$aÊ;mgmR>r g§ñWm gdmªÀ;m ghH$m;m©Z{ àJVrH$S>{ dmQ>Mmb H$arV Amh{.Am[Umg_m{a Vmi{]§X [ÌH$ d Z\$mVm{Q>m [ÌH$ _§OwargmR>r R>{drV Amh{.Ë;mg _§Oay r Úmdr hr odZ§Vr. YÝ;dmX !

Am[bm Z_«

X{dÐ| àH$me ehm AÜ;j

10

g^mgXm§Zm gwMZm 1) Am[U ]±H${ M{ g^mgX Agb{Z{ ]±H${ _m\©$V Am[b{ AmoW©H$ ì;dhma hm{U{ _hËdmM{ Amh{.]±H${ V Am[b{ ImV{ AgU{ d ]±H${ V Am[ë;m R>d{ r AgU{ h{ g^mgX ;m ZmË;mZ{ Am[b{ H$V©ì; Amh{.

2) ]±H${ À;m gdm©JrU [«JVrgmR>r Am[ë;m o_Ì_§S>irg ]±H${ V ImV{ CKS>Ê;mMm d R>d{ r R>d{ Ê;mMm AmJ«h Yam. 3) Am[br ]±H oS>[m°oPQ> BÝewAaÝg ñH r_ _Ü;{ gm_rb Agb{Z{ é.1,00,000/- (Ajar é.EH$ bmI \$·V) [;©V§ À;m gd© àH$maÀ;m R>d{ tZm od_m g§ajU àmßV Pmb{b{ Amh{.Ë;m gmR>r R>d{ od_m IM© ]±H$ ñdV: H$aV{.

4) Am[bm [Îmm ]Xbb{bm Agë;mg ZodZ [Îmm ]±H${ g Vm]S>Vm{] H$idmdm.

5) Am[U Oa Am[b{ e{Ag© goQ>\© $sH{$Q> Z{b{ Zg{b Va H¥$[;m ]±H${ VyZ K{dZy Omd{.

6) ]±H${ À;m [m{Q>oZ;_mZwgma àË;{H$ g^mgXmg e{Ag© ]m]V dmag (Zm°_rZr) åhUyZ gwModU{Mm AoYH$ma Amh{.Ë;mZwgma Am[U dmagmM{ Zmd gwModb{b{ Zgë;mg Ë;m]m]V AO© ]±H${ H$S>{ VË[a ^éZ X{U{ odf;r Z_«odZ§Vr Amh{.

7) g^mgXm§Zm Am{iI[Ì X{UM{ { H$m_ Mmby H$aUma Amhm{V,Am[b{ 4 g{._r. # 5 g{._r. Am;S>Ý{ Q>r gmB©OM{ Xm{Z \$m{Q>m{ bdH$amV bdH$a ]±H{ H$S>{ AmUyZ Úmd{V Á;m ;m{J{ g^mgXm§Zm Am{iI[Ì X{U{ gm{BM© { hm{B{ b © . _mJrb dfu AhdmbmV Z_wX H$éZ X{Irb g^mgXm§Zr Am[b{ \$m{Q>m{ AmUyZ oXb{b{ ZmhrV. 8) EH$m ì;·VrJV g^mgXmg OmñVrV OmñV a¸$_ é.5 bmImM{ e{Ag© YmaU H$aVm ;{VmV, g^mgX ]§YZy r Am[br JwV§ dUyH$ ]±H${ À;m ^mJ^m§S>dbm _Ü;{ H$éZ bm^m§emÀ;m é[mZ{ o_iUmè;m CË[ÞmMm bm^ ¿;mdm d [;m©;mZ{ ]±H${ Mm ñdoZYr dmT>odU{g _XV H$amdr.

9) g^mgXm§Zm Ë;m§Zr YmaU H{$b{ë;m ^mJm§À;m aH$_{ [¡H$s ^mJmMr A§eVm a¸$_ [aV X{Vm ;{Uma Zmhr.

10) 2005-2006 À;m bm^memMr a¸$_ g^mgXm§M{ ImV{ naPd© ]±H${ À;m AZw_VrZ{ O_m H$aU{V ;{Uma Amh{.Á;m g^mgXm§Mr ImVr ZgVrb Ë;m§Zr ]°H§ ${ À;m H$m{UË;mhr emI{V ImV{ CKSy>Z ¿;md{ Á;m_wi{ bm^m§emMr a¸$_ g^mgXm§M{ ]MV ImVr dJ© H$aU{V ;{Bb © .Á;m g^mgXm§Mr WoH$V H$O©ImVr AgVrb Ë;m§Mm bm^m§e Ë;m§À;m WoH$V H$O© ImV{g dJ© H{$bm OmB©b. Vg{M ]°H§ ${ À;m R>amdm à_mU{ g^mgXm§Zr Z Z{bb { m 3 dfm©[dw uMm bm^m§e J§JmOirV dJ© hm{Vm{ ;mMr H¥$[;m Zm{X| ¿;mdr.

11) Am[U K{Vb{ë;m H$Om©Mr [aV \{$S> oZ;_rV H$am,dº$era H$O© \{$S> H{$ë;mg ]±H${ Mr H$m;©j_Vm dmT>V{ . Am[ë;m ì;mOmV ]MV hm{Bb © d Am[U WoH$V H$O©Xma hm{Uma Zmhr.]±H${ Mm odídmg g§[mXZ H$aU{gmR>r H$O© \{$S>rMm oZ;_rV[Um hrM _hËdmMr H$gm{Q>r Amh{.

12) Am[ë;m àJVrgmR>r Am[b{ gd© ì;dhma eaX ]±H{ ${ _Ü;{M H$am.

13) eaX ]±H$ Vw_MrM Amh{.Vw_À;m ]±H${ _Yrb R>d{ r dmT>dm.

11

‘kjn lgdkjh c¡d fy- eapj iÉɳäýcnÆ ù {ÉjÉEò Ênù.31/03/2006 +JÉä®ú 31/03/2005

¦ÉÉÆb÷´É±É ´É näùhÉÒ

31/03/2006

2,50,00,000.00

+ÊvÉEÞòiÉ ¦ÉÉMÉ ¦ÉÉÆb÷´É±É

5,00,00,000.00

2,76,12,000.00

´ÉºÉÖ±É ¦ÉÉMÉ ¦ÉÉÆb÷´É±É

3,14,51,250.00

4,79,88,545.10

MÉÆMÉÉVɳýÒ ´É <iÉ®ú ÊxÉÊvÉ

6,17,16,881.18

1,65,31,108.15

MÉÆMÉÉVɳýÒ

2,08,71,887.21

1,15,03,090.10

<¨ÉÉ®iÉú ÊxÉvÉÒ

1,15,03,090.10

1,18,74,959.00

ºÉƶÉʪÉiÉ ´É cÖb÷ÒiÉ ÊxÉvÉÒ

2,13,74,959.00

14,03,888.00 5,00,000.00

=i{ÉÉÊnùiÉò EòVÉÉÇ´É®úÒ±É ÊxÉvÉÒ

1403888.00

Ê´ÉEòÉºÉ ÊxÉvÉÒ

5,00,000.00

16,90,000.00

MÉÆiÖ É´ÉhÉÖEò PÉ]õ ÊxÉvÉÒ

16,90,000.00

12,00,000.00

±ÉÉƦÉÉ¶É ºÉ¨ÉÒEò®úhÉ ÊxÉvÉÒ

12,00,000.00

1,76,000.50 19,00,000.00

ºÉ¦ÉɺÉnù Eò±ªÉÉhÉ ÊxÉvÉÒ

11,09,999.35

ºÉä´ÉEò Eò±ªÉÉhÉ ÊxÉvÉÒ

99,500.00

1,76,000.50

vɨÉÇnùÉªÉ ÊxÉvÉÒ

15,48,821.45 1348734.92 99,500.00

<iÉ®ú ºÉ´ÉúºÉÉvÉÉ®úhÉ ÊxÉvÉÒ

81,37,25,962.76

Bäö´ÉÒ

2,20,21,329.42

SÉɱÉÚ Bäö´ÉÒ

2,89,78,297.64

10,37,99,339.03

cSÉiÉ Bäö´ÉÒ

12,61,83,833.75

67,81,63,204.05

¨ÉÖnùiÉ Bäö´ÉÒ

85,51,66,567.50

97,42,090.26

<iÉ®ú Bäö´ÉÒ

1,15,08,854.94

58,95,726.73

´ÉºÉÖ±ÉÒºÉÉBöÒ {ÉÉBöʴɱÉä±ÉÒ cÒ±Éä

1,00,95,148.88

lÉÊEòiÉ ´ªÉÉVÉ iÉ®úiÉÚnù

90,53,17,383.47

BEÚòhÉ

1,02,18,37,553.83

37,61,827.50 1,16,12,376.69

1,13,03,79,889.20

12

‘kjn lgdkjh c¡d fy- eapj iÉɳäýcnÆ ù {ÉjÉEò Ênù.31/03/2006 +JÉä®ú 3/31/2005

ËVÉnùMÉÒ ´É ªÉähÉÒ

3/31/2006

1,18,74,478.00

+) ®úÉJä É Ê¶É±±ÉEò

2,21,27,186.75

6,78,78,914.92

+É) cÄEÄÆ ò SÉɱÉÚ JÉÉiÉä

3,89,55,869.86

1,085.28

{ÉÒ.b÷Ò.ºÉÒ.ºÉÒ. cÄEÆ ò {ÉÖhÉä

1,445.28

44,13,432.82

{ÉÒ.b÷Ò.ºÉÒ.ºÉÒ. cÄEÆ ò ¨ÉÆSÉ®ú ¶ÉÉJÉÉ

13,64,756.52

34,99,388.20

{ÉÒ.b÷Ò.ºÉÒ.ºÉÒ. cÄEÆ ò xÉÉ®úɪÉhÉMÉÉ´É

22,10,267.75

61,92,168.69

{ÉÒ.b÷Ò.ºÉÒ.ºÉÒ. cÄEÆ ò ¨ÉÉEæò]õªÉÉbÇ÷ {ÉÖhÉä

10,64,768.69

13,62,999.52

{ÉÒ.b÷Ò.ºÉÒ.ºÉÒ. cÄEÆ ò cÒ.VÉä. ®úÉbä ÷, {ÉÖhÉä

22,40,659.25

{ÉÒ.b÷Ò.ºÉÒ.ºÉÒ. cÄEÆ ò ¨ÉÆSÉ®ú (¨ÉÖJªÉ EòSÉä®úÒ)

43,13,615.86

{ÉÒ.b÷Ò.ºÉÒ.ºÉÒ. cÄEÆ ò PÉÉäb÷äMÉÉ´É

2,11,967.46

11,25,867.00

{ÉÒ.b÷Ò.ºÉÒ.ºÉÒ. cÄEÆ ò {ÉÉ®úMÉÉ´É

3,47,722.00

20,07,065.32

{ÉÒ.b÷Ò.ºÉÒ.ºÉÒ. cÄEÆ ò VÉÖzÉ®ú

1,64,991.32

29,58,144.91

¨É½þÉ.®úÉVªÉ ºÉ½þ. cÄEÄÆ ò, ¨ÉÖÆc<Ç

60,12,570.25

33,73,978.22

º]äõ]õ cÄEÄÆ ò +Éì¡ò <Æb÷ÒªÉÉ, ¨ÉÆSÉ®ú

46,60,567.20

12,20,138.21

º]äõ]õ cÄEÄÆ ò +Éì¡ò ÊcEòÉxÉä®ú +Äb÷ VɪÉ{ÉÚ®ú {ÉÖhÉä

13,96,912.17

12,07,023.03

ºÉå]õÅ±É cÄEÄÆ ò +Éì¡ò <Æb÷ÒªÉÉ, ¨ÉÉEæò]õªÉÉbÇ÷, {ÉÖhÉä

4,77,763.68

1,02,97,603.35 57,64,323.25

7,57,219.45

cÄEÄÆ ò +Éì¡ò ¨É½þÉ®úɹ]Åõ - PÉÉäb÷äMÉÉ´É

2,82,058.28

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1,67,683.28

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4,01,907.80

12,434.20 3,22,19,015.28

7,588.45

16,68,435.06

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12,434.20

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5,01,229.35

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14,69,52,120.64

17,30,587.00

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6,10,83,056.61

13

‘kjn lgdkjh c¡d fy- eapj iÉɳäýcnÆ ù {ÉjÉEò Ênù.31/03/2006 +JÉä®ú 31/03/2005

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90,53,17,383.47

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3,35,92,904.19

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51,15,487.00 30,000.00 6,086.00

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49,15,564.00 30,000.00

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4,520.00

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1,98,120.55

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71,843.55

2,46,270.71

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3,71,677.20

4,48,853.03

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3,36,009.65

2,91,070.90

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4,79,718.08

8,64,940.00

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9,07,697.00

2,89,391.00

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2,97,281.00

2,682.80

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2,682.80

16,773.00

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16,896.00

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37,415.00

6,50,000.00 0.00 575.00 2,47,25,791.84 2,35,191.00 0.00

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14,822.00

71,427.00

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76,207.00

2,506.00

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2,659.36

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3,48,684.00 66,78,083.69 94,55,88,371.35

44,698.99 9,14,258.00

ʣɱºÉ {ÉäB£É±É ¶ÉÉJÉÉÆiÉMÉÇiÉ JÉÉiÉä VÉÖ³ý´ÉhÉÒ BEÚòhÉ

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14

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31/03/2006

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61083056.61

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10,51,688.50

78,849.00

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97,231.00

5,91,402.50

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9,54,457.50

24,28,32,859.00

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3,16,32,859.00

43,53,72,330.00

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4,60,39,618.00

(MÉÆMÉÉVɳýÒ, <¨ÉÉ®úiÉ ÊxÉvÉÒ, <iÉ®ú) 3,50,00,000.00

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9,01,00,000.00

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31,00,000.00 1,00,00,000.00 5,00,000.00 13,75,00,000.00 51,00,000.00

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31,00,000.00

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15

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16

‘kjn lgdkjh c¡d fy- eapj iÉɳäýcnÆ ù {ÉjÉEò Ênù.31/03/2006 +JÉä®ú 31/03/2005 1,23,80,84,515.49 22,60,57,833.65

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84,86,018.71

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_m. lr.]mUI{b{ ]mimgmh{] odÇ>bamd _m. lr.H$mi{ e§H$aamd _hmX{d _m. lr.JwJi{ odbmg Pw§]abmb

_m. lr.MìhmU g§O; O;d§Vamd

_m.gm¡.T>m{]i{ e¡bOm oedmOramd

_m. lr.OmYd AmÊUmgmh{] ]m]wamd _m. lr.]mad{ I§S{amd ghmXy _m. lr.YZJa_mir gJmOr o^dg{Z _m.gm¡.OmYd [wî[bVm dm_Zamd

Vk g§MmbH$ _m.S>m°. [Jmna;m Aem{H$Hw$_ma Z¡ZgwIOr MmQ>©S>© AH$m¢Q>§Q

_m. lr.Wm{amV XÎmmÌ; am_^mD$ _m. lr.Q>{_H$a EH$ZmW H$moeZmW _m. lr.H{$ioeH$a oZa§OZ e§H$aamd

g{dH$ àoVoZYr _m. lr. [dma àoX[ odídZmW

_m.lr_Vr H$ami{ e¡bOm a§JZmW

21

_m. lr.dmiH{$ ]mimgmh{] VwH$mam_

‘kjn lgdkjh c¡d fy- eapj A§XmO [ÌH$ 2006-07 A.H$«$ IM© d V[oeb

IM© OmXm / H$_r

AXmO{ IM© 2006-07

Bso O;kt 8,50,00,000.00 8,48,16,498.38 -1,83,501.62 lsod ixkj] izk-QaM 85,00,000.00 83,70,221.82 -1,29,778.18 tulsok Bso dfe’ku 7,00,000.00 5,19,850.38 -1,80,149.62 HkkMs] dj] foek] oht 18,00,000.00 19,95,386.60 1,95,386.60 Viky] VsfyQksu 5,00,000.00 2,62,444.41 -2,37,555.59 NikbZ o LVs’kujh 6,75,000.00 1,04,440.51 -5,70,559.49 vkMhV Qh 5,00,000.00 2,75,000.00 -2,25,000.00 odhy Qh 2,00,000.00 65,000.00 -1,35,000.00 lapkyd eaMG HkRrs]izokl]eku/ku 3,00,000.00 2,22,753.00 -77,247.00 tkghjkr [kpZ 3,00,000.00 1,71,721.00 -1,28,279.00 izokl [kpZ 1,50,000.00 44,967.00 -1,05,033.00 lknhy] fdjdksG o >sjkDl 4,00,000.00 2,05,851.17 -1,94,148.83 lHkkln oxZ.khZ 75,000.00 44,550.00 -30,450.00 f’k{k.k fu/kh 30,000.00 30,000.00 0.00 la’kf;r cqMhr fu/kh 48,00,000.00 0.00 -48,00,000.00 Okf”kZd lHkk [kpZ 3,00,000.00 2,75,428.00 -24,572.00 izf’k{k.k [kpZ o oxZ.khZ 2,00,000.00 25,820.00 -1,74,180.00 lekjaHk [kpZ 2,00,000.00 1,61,383.00 -38,617.00 fDayvjhax pktsZl 1,00,000.00 73,729.19 -26,270.81 okgu [kpZ 2,00,000.00 1,34,548.00 -65,452.00 ?klkjk 15,00,000.00 15,84,271.58 84,271.58 olqyh [kpZ 1,00,000.00 8,951.63 -91,048.37 fdjdksG [kpZ lqj{kk+ $ vM pktsZl $ izks-Qh-$ 5,00,000.00 4,93,290.05 -6,709.95 isijchy+ $ lsok ‘kqYd $ ns.kxh 26 vkfQl [kpZ 7,00,000.00 5,72,644.50 -1,27,355.50 27 uQk 2,06,40,000.00 2,03,38,260.02 -3,01,739.98 ,dq.k 12,83,70,000.00 12,07,97,010.24 2,79,658.18 -78,52,647.94 22

1,00,00,0000.00 10,00,0000.00 70,0000.00 2,20,0000.00 5,00,000.00 8,00,000.00 5,00,000.00 2,00,000.00 4,00,000.00 3,00,000.00 2,00,000.00 4,00,000.00 75,000.00 30,000.00 50,00,000.00 5,00,000.00 2,00,000.00 3,00,000.00 2,00,000.00 4,00,000.00 20,00,000.00 2,00,000.00

1 2 3 4 5 6 8 9 10 11 12 13 14 15 16 18 19 20 21 22 23 24 25

A§XmoOV IM© 3/31/2006

àË;j IM© 3/31/2006

8,00,000.00 8,00,000.00 2,06,75,000.00 14,73,80,000.00

‘kjn lgdkjh c¡d fy- eapj A§XmO [ÌH$ 2006-07 A.H$«$ CË[Þ 1 2 3 4 5 6 7 8 9 10 11 12 13

A§XmoOV CË[Þ 3/31/2006

àËgj CË[Þ 3/31/2006

H$O© ì;mO 8,00,00,000.00 9,21,20,599.35 ]°H± $ ì;mO 3,75,00,000.00 2,52,33,019.29 ]°H± $ H$o_eZ 1,80,0000.00 15,79,532.61 Zm{Q>rg \$s 4,00,000.00 1,37,019.61 \$m°_© \$s 1,00,000.00 28,573.98 oH$aH$m{i O_m 2,00,000.00 2,43,882.73 M{H$ oaQ>Z© MmO{}g 1,00,000.00 82,132.07 àm{go{ g§J MmO©g { 12,00,000.00 8,16,014.41 ]°H± $ J°aQ§ >r H$o_eZ 10,000.00 4,000.74 ]°H± $ bm^m§e 50,000.00 36,000.00 bm°H$a ^mS>{ 10,000.00 9,041.00 am{I{ odH$«$sVrb \$m;Xm 50,00,000.00 0.00 g{dm ewëH$ 20,00,000.00 5,07,194.45 12,83,70000 12,07,97,010.24

CË[Þ OmXm / H$_r

AXmO{ CË[Þ 2006-07

1,21,20,599.35 9,50,00,000.00 -1,22,66,980.71 4,50,00,000.00 -2,20,467.39 20,00,000.00 -2,62,980.39 4,00,000.00 -71,426.02 1,00,000.00 43,882.73 4,00,000.00 -17,867.93 2,00,000.00 -3,83,985.59 12,00,000.00 -5,999.26 10,000.00 -14,000.00 50,000.00 -959.00 20,000.00 -50,00,000.00 10,00,000.00 -14,92,805.55 20,00,000.00 1,21,64,482.08 14,73,80,000.00 -1,97,37,471.84

ì;;mdgm;;rH$ à_mUH{$ A.H«$

V[oeb

1 2 3 4 5 6 7 8 9 10 11 12 13

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14

15

à_mU

oZìdi CË[Þ /Z{Q>dW©

13.60 13.90% 25.57 % 0.28 % 10.20 % 0.29 % 1.36 % 1.76 % 12.52 % 9.09 % é. 361.56 45 51.95 % 89.32 % 11.27 % 8.15 % 21.82 %

23

‘kjn lgdkjh c¡d fy- eapj _mH}$Q>;mS>© _§Ma, Vm.Am§]J{ md,nO.[wU{ emIm H$m_H$mO R>{drnXZm§H$ - 31.03.2006(AmH$S>{ bmImV) emIm

31.03.05

31.03.06

dmT>/KQ>

dmT> Q>··{dmar

_§Ma Km{S>{Jmd JwbQ>{H$S>r Zmam;UJmd Am{Vya [maJmd EHy$U

2,921.44 1,397.87 1,000.03 1,363.21 1,235.91 218.80 8,137.26

3,514.29 1,610.24 1,202.51 1,848.84 1,715.54 326.95 10,218.37

592.85 212.37 202.48 485.63 479.63 108.15 2081.11

20.29% 15.19% 20.25% 35.62% 38.81% 49.43% 25.58%

emIm

31.03.05

31.03.06

dmT>/KQ>

dmT> Q>··{dmar

_w»; H$M{ar _§Ma Km{S>{Jmd JwbQ>{H$S>r Zmam;UJmd Am{Vya [maJmd EHy$U

2,149.69 801.73 1,352.57 904.20 431.10 404.55 6,043.84

59.32 1,823.14 838.89 1,295.50 964.70 657.60 413.18 6,052.33

59.32 -326.55 37.16 -57.07 60.50 226.50 8.63 8.49

100.00% -15.19% 4.63% -4.22% 6.69% 52.54% 2.13% 0.14%

31.03.05

31.03.06

dmT>/KQ>

dmT> Q>··{dmar

-42.65 66.00 25.55 54.46 16.08 21.81 21.45 162.70

-71.83 98.55 28.25 62.45 33.64 22.43 29.89 203.38

-29.18 32.55 2.70 7.99 17.56 0.62 8.44 40.68

68.42% 49.32% 10.57% 14.67% 109.20% 2.84% 39.35% 25.00%

H$O©

Z\ m emIm _w»; H$M{ar _§Ma Km{S>{Jmd JwbQ>{H$S>r Zmam;UJmd Am{Vya [maJmd EHy$U

;{U{ ]mH$s/ WH$]mH$s _mohVr oX.31/03/2006 AI{a emIm _w»; H$M{ar _§Ma Km{S>{Jmd JwbQ>{H$S>r Zmam;UJmd Am{Vwa [maJmd EH$y$U

;{U{ ]mH$s

WH$]mH$s

Q>¸${dmar

59.32

-

-

1,823.14

196.25

10.76%

838.89

74.86

8.92%

1,295.50 964.70 657.60 413.18 6,052.33

304.85 83.83 30.61 28.42 718.82

23.53% 8.69% 4.65% 6.88% 11.88%

24

SHARAD SAHAKARI BANK LTD. DISCLOSURE OF ADDITIONAL INFORMATION AS PER RBI CIRCULAR DT.30/10/2002 Sr.no

Particulars

1

Capital to Risk Asset Ratio

2

Investment (i) Book Value (ii) Face Value (iii) Market Value

3

Advances Against (i) Real Estate (ii) Construction Bussiness (iii) Housing

4

Advances against Shares & Debentures

5

Advances to Directors, their Relatives, Companies/ firms in which they are interested (i) Fund Based (ii) Non - Fund Based Average Cost of Deposits

6 7

8

9

10

11

3/31/2005

NPA’s (i) Gross NPA’s (i) Net NPA’s Profitability a) Interest income as a Percentage of working funds b) Non- Interest income as a Percentage of working funds c) Operating Profit as a Percentage of working funds d) Return on Assets e) Businsess (Deposit + Advances) per employee f) Operating Profit per employee Provisions made towards i) NPA’s ii) Depreciation in Investments Provisions as on a) Towards NPA’s b) Towards Depriciation on Investment c) towards Standard Assets a) Foreign currency Assets b) Foreign Currency Liabilities

25

3/31/2006

9.25

13.60

2,481.44 2,428.33 2,405.12

4,406.83 4,353.72 4, 168.49

802.76

152.35 990.41

Nil

Nil

84.43

67.57

9.40

8.30

557.47 424.68

757.64 529.85

9.96%

10.21%

0.46%

0.30%

1.70%

1.76%

1.70% 322.10

1.76% 242.84

3.69

3.02

128.64 16.90

190.91 16.90

118.75 16.90

213.75 16.90

14.03

14.03

NIL NIL

NIL NIL

‘kjn lgdkjh c¡d fy- eapj ]±H${ Mr VwbZmË_H$ àJVr (* Aem IwUmAgb{ë;m Am{irVrb AmH$S>{ gm{S>y Z BVa Am{irVrb AmH$S>{ é.bmImV) H«$.V[erb

2001-02

2002-03

2003-04

2004-05

2005-06

1. g^mgX

*

6,508

6,671

6,870

7592

7,914

2. Zm__mÌ g^mgX

*

1,430

1,205

1,315

1,503

1,578

3. bm^m§e

*

13%

15%

15%

10%

10% oe\$mag naPd© ]±H${ À;m AZw_VrZ{

4. Am°S>rQ> dJ©

*

A

A

A

]

A

185.64

192.97

210.41

276.12

314.51

6. J§JmOir

89.78

101.85

132.38

165.31

208.72

7. BVa oZYr

159.93

183.99

248.68

314.57

408.45

8. ñdoZYr

435.35

478.81

591.47

756.00

931.68

9. ñdoZYr dmT> [«_mU

16.95%

9.98%

23.53%

27.81%

23.23

4,887.47

5,385.98

6,445.18

8,137.25

10,218.37

28.22%

10.19%

19.66%

26.25%

25.57%

3,139.95

3,338.08

4,105.28

6,035.16

6,052.33

13.23%

6.30%

22.98%

47.01%

0.28%

2,057.63

2,350.81

2,732.77

4510.45

4,797.91

65.53%

70.42%

66.56%

74.73%

79.27%

15.J§wVdUyH$

1,725.11

1,852.96

2,597.93

2,428.33

4,353.72

16.I{iV{ ^m§S>db

5,422.39

6,115.32

7,476.73

9,458.68

11,495.68

17.Z\$m

42.81

114.06

120.76

162.70

203.38

18.I{iË;m ^m§S>dbmer Zâ;mM{ à_mU

0.78%

1.86%

1.61%

1.72%

1.76%

197.62

199.45

208.21

601.51

718.82

20.WH$]mH$sM{ H$Om©er à_mU

6.29%

5.97%

5.07%

9.96%

11.88%

21.g§eo;V ]wS>rV H$O© oZYr

29.14

44.04 26

76.54

132.79

227.79

5. dgwb ^mJ^m§S>db

10.R>{dr 11.R>d{ rVrb dmT> à_mU 12.H$O} 13.H$Om©Vrb dmT> à_mU 14.AJ«H$« _ H$O© 15.AJ«H$« _ H$Om©M{ à_mU

19.WH$]mH$s

‘kjn lgdkjh c¡d fy- eapj oX.31/03/2006 AI{a g§MmbH$ d Ë;m§À;m ZmV{dmB©H$m§Zm oXb{ë;m H$Om©Mr ]mH$s (é.bmImV) V[oeb dfm©À;m gwédmVrbm ;{U{ a¸$_ AmoW©H$ dfm©V nXb{br a¸$_ AmoW©H$ dfm©V \{$S> H{$b{br a¸$_ AmoW©H$ dfm©V ;{U{ ]mH$s ;{U{ aH$_{[¡H$s WoH$V a¸$_

g§MmbH$ 84.07 oZa§H$ 16.66 67.41 oZa§H$

ZmV{dmB©H$ 0.36 oZa§H$ 0.20 0.16 oZa§H$

EHy$U 84.43 oZa§H$ 16.86 65.57 oZa§H$

fn- 31/03/2006 v[ksj dtZfoxrokjh ;s.ksckdh @ Fkdckdh rDrk (é.bmImV) A.H«§« A) 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 ]) 1)

H$O© [«H$ma VmaUr H$O© gm{Z{ VmaU H$O© H$m;_ R>{d VmaU H$O© OZg{dm R>{dVmaU H$O© OZgmJa R>{d VmaU H$O© ]MV [«_mU[Ì VmaU H$O© ZOaJhmU Ka VmaU H$O© B.E_.Am; _oeZar VmaU H$O© H°$e H$«{S>rQ> H$O© hm;a [M}g H$O© B.E_.Am; ì;m[ma H$O© Xm{Z Om_rZ gpìhg© VmaU e{Vr[waH$ ì;dgm; H$O© bKw CÚm{J H$O© ì;m[ma g§Hw$b VmaU H$O© eaX H¥$fr [V[wadR>m o]b oS>ñH$mD§Q> Aë[_wXV H$O© e¡{joUH$ H$O© EHy$U (A) o]Ja VmaUr H$O© Xm{Z Omo_Z o]JaVmaUr H$O© EHy$U (]) EHy$U (A)+ EHy$U (])

;{U{]mH$s a¸$_

EHyU H$Om©er %

82.70 231.37 1.51 7.63 2.70 740.71 249.71 98.32 1,448.46 299.03 19.02 1,115.90 169.86 1,251.88 4.22 94.56 102.77 23.00 73.22 1.48 6,018.05 0.00 34.28 34.28

1.37% 3.82% 0.02% 0.13% 0.04% 12.24% 4.13% 1.62% 23.93% 4.94% 0.31% 18.44% 2.81% 20.68% 0.07% 1.56% 1.70% 0.38% 1.21% 0.02% 99.43%

6,052.33

WH$]mH$s a¸$_

EHyU WH$]mH$ser %

55.61 4.34 16.31 242.28 43.26 1.02 122.70 61.79 121.23 0.25 9.12 21.33

699.24

7.74% 0.60% 2.27% 33.71% 6.02% 0.14% 17.07% 8.60% 16.87% 0.03% 1.27% 2.97% 0.00% 0.00% 0.00% 97.28%

0.57% 0.57%

19.58 19.58

2.72% 2.72%

100.00%

718.82

100%

a¸$_ oZhm; ;{U{ ]mH$r _mohVr 31/03/2006 AI{a H$«$.

1 2 3 4 5

V[oeb é. 0.01 [wT>{ d é. 1.00 bmIm[;©©ªV é. 1.00 [wT>{ d é. 10.00 bmIm[;©©ªV é. 10.00 bmIm [wT>{ d é. 25.00 bmIm[;©©ªV é. 25.00 bmIm [wT>{ d é. 50.00 bmIm[;©©ªV é.50.00 bmImÀ;m [wT>{ EH$y$U

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a¸$_ (é.bmImV) 1,024.14 3,131.48 855.39 471.23 570.09 6,052.33

ImË;mM{ à_mU 119.73% 366.09% 100.00% 55.09% 66.65% 708%

‘kjn lgdkjh c¡d fy- eapj A§VJ©V b{Im[najH$m§Mm Ahdmb ]r.]r.Wm{amV A°ÝS> Agm{ogEeZ MmQ>S© >© AH$m¢Q>Q§ >g, 303,amOYmZr,gmVmam am{S>, e§H$a _hmamO _R> e{Omar, YZH$dS>r, [wU{ -411043 àoV, eaX ghH$mar ]±H$ ob., _M§a _mH}$Q>;mS>© _§Ma, Vm.Am§]J{ md, oO.[wU{ _r Imbrb ghr H$aUma ]r.]r.Wm{amV A°ÝS> Agm{ogEeZ, MmQ>S© >© AH$m¢Q>Q§ >, eaX ghH$mar ]±H$ ob., _§Ma _mH}$Q>;mS>,© Vm.Am§]J{ md,oO.[wU{ ;m ]±H${ Mm oXZm§H$ 1 Eoàb 2005 V{ 31 _mM© 2006 am{OrMm Vmi{]X§ d Ë;m oXZm§H$mg g§[Umè;m dfm©M{ Z\$m – Vm{Q>m [ÌH$ ;m§Mr V[mgUr H{$br Amh{ d Am_À;m Am°oS>Q> _{_m{_Yrb gwMZm d e{a{ ;m oZoXï> H{$b{ë;m ]m]tI{arO _mPm Ahdmb Imbrbà_mU{ Amh{.

1. _mP{ V[mgUrgmR>r _mP{ g_OwVrà_mU{ Amdí;H$ Vr gd© _mohVr d ñ[ï>rH$aU _r ]±H${ VwZ K{Vbr AgyZ Vr g_mYmZH$maH$ Agë;mM{ AmT>iZy Amb{ Amh{.

2. _mP{ Ñï>mË{ [ÎmrV Amb{b{ ì;dhma ]±H${ À;m AIË;moaVrb Amh{V. 3. _mP{ _Vmà_mU{ H$mÚmZwgma Amdí;H$ Agb{br ;m{½; Vr [wñVH{$ R>d{ b{br Amh{V. 4. C[oZoX©ï> Vmi{]X§ d Z\$m-Vm{Q>m [ÌH$ ]°H§ ${ À;m ohem{]mÀ;m [wñVH$m§er o_iV{ OwiV{ Amh{.

5. _mP{ g_OwVr à_mU{ Vg{M _bm o_imb{ë;m _mohVrà_mU{ d ñ[ï>rH$aUmà_mU{ ]±H${ À;m 31 _mM© 2006 Mm Vmi{]X§ ]±H${ À;m [napñWVrM{ d Ë;m dfm©M{ Z\$m-Vm{Q>m [ÌH$mVrb Zâ;mM{ gË; d ;m{½; Xe©Z XmIodVm{.

ñWi : _§Ma oXZm§H$ : 10/06/06

]r.]r.Wm{amV A°ÝS> Agm{ogEeZ H$naVm ]r.]r.Wm{amV MmQ>S© >© AH$m¢Q>Q§ >, 28

BORA KASAT & CO. Chartered Accountant 1211-B, Shukarawar Peth, Shubhash Nager, Lane No.4, Pune – 411 002. Phone : 24479119, Telefax : 24486663, Email : sp_bora@sify.com

AUDIT REPORT 1. We have audited the attached Balance Sheet of the Sharad Sahakari Bank Ltd. as on 31st March 2006 and the Profit and Loss Account annexed thereto for the year ended on that date, in which have incorporated and the returns of 6 branches audited by us. These financial statement are the resposibility of the banks management. Our responsibility is to express an opinion on these financial statement based on our audit.

We have conducted our audit in accordance with auditing standards generally accepted in India. Those standareds require that we plan and perform the audit to obtain reasonable assurance about whether the financial statement are free of material misstatment. An audit includes examining, on a test basis, evidence supporting the amount and disclosures in the financial statements. An audit includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audit provides a reasonable basis for our opinion.

2. The Balance Sheet and profit and Loss Account have been drawn up in fomm “N” given in Maharashtra Co-Operative Societies Rules, 1961.

3. On the basis of audit indicated in paragraph (1) above and as required by Maharashtra Co-Operative Societies Acts 1960 and subject to the limitation of disclosure required therein and also subject to the effect of the following :i) Accounting of cetain items of income/expenditurte on cash basis being not in accordance with accounting standared – 9 (AS-9) issued by the Institute of Chartered Accountants of India (Refer Significant Accounting Policy no.1) ii) Liability in respect of retirment gratuity and other benefits in not quantified and not provided for. iii) Liability in respect of outstanding leave in encashment as on 31.03.2006 is not quantified and not provided for. iv) Note No. 8 regarding non-compliance of accounting standards issued by the Institute of Chartered Accountants of India for the reason specified there in . v) As stated in note No.1 of notes on Accounts, attached to the accounts, in respect of inter banch adjustment shown under “other assets” in the Balance Sheet, the matching/eleimination of items pending adjustments in inter branch accounts demand drafts paid and payable, sundries, inter-bank and clearing and tallying of scheduels with the balance as per books in certain branches, as on 31.03.2006, are pending, the financial impact/consequential effect of which is not ascertainable.

4.

On the basis of audit producer indicated in paragraph (1) above and subject to our comments in paragraph 3 above, we report that . a) b) c)

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.

In our opinion, proper books of accounts as required by the low have been kept by the bank, so for as appears from our examination of books.

The transaction of the Bank which have come to our notice have been within the powers of the Bank, subject to our comments, wherever made, in the Audit Memorandum.

29

d) In our opinion and to the best of our information and according to the explanation given to us and as shown by the book of the Bank and read with the significant accounting policies and Notes on Accounts and our comments in paragraph 3 above and comments and observation contained in the Audit Memorandum, the : i) The Balance sheet is a full and fair Balance Sheet containing the necessary particulars, and is properly drawn up so as to exhibit a true and fair view of the affairs of the Bank as on 31st March 2006. ii) The Profit and Loss Account shows a true Balance of profit for the year covered by such accounts. iii) No comments are given on the cash flow statement as the bank has not prepared the same.

FOR BORA KASAT & CO. CHARTERED ACCOUNTANTS

Place : Pune Date : 26.06.2006

(SUHAS P. BORA) PARTNER M.NO. 039765

BORA KASAT & CO. Chartered Accountant 1211-B, Shukarawar Peth, Shubhash Nager, Lane No.4, Pune – 411 002.Phone : 24479119, Telefax : 24486663, Email : sp_bora@sify.com

DATE : 26.06.2006

AUDIT CLASSIFICATION LETTER

As per the norms of Audit Classification of priority Urban Co-Operative Bank as per the Guideline of Commissioner for Co-operation & Registrar of Co-operative Societies, Maharashtra State, Pune – 411 001, We are pleased to award “A” Class to “Sharad Sahakari Bank Ltd.”, A/P – Manchar, Tal – Ambegaon, Dist- Pune.410503 for the financial 01.04.2005 to 31.03.2006 .

For Bora Kasat & Co. Chartered Accountants

Place Date

: Pune : 26.06.2006

(Suhas P. Bora) Partner M.No. 039765

30

[m{Q>oZ;;_ Xwê$ñVr eãX ;m{OZm A.H«$.

Zm__mÌ g^mgX 10(1)

gÜ;mMr [m{Q>oZ;_mMr eãXaMZm EImXr ì;º$s Aod^º$ Hw § $ Qy > ]mMr gh^mJrXma Ag{b AWdm H$O©Xma g^mgXm§Mr Om_rZXma åhUyZ amhUma Ag{b AWdm EImÚm ì;º$sg VmË[waVr JaO ^mJodÊ;mgmR>r gm{ Z { Mm§ X r XmoJÊ;mM{ VmaUmda od_m [Ìmda gaH$mar F$U[Ì{ AJa odídñW g§ñWm§M{ F$U[Ì{ AJa odídñV g§ ñ WmM{ F$U[ÌmM{ VmaUmda H$O© ¿;md;mM{ Ag{b Va Aem ì;º$sg ê$.5/- àd{e \$r (o]Zm[aVrMr) K{ D $Z Vg{ M R>aodb{ë;m Z_wÝ;mV AO© K{D$Z Zm__mÌ g^mgX åhUyZ Zm|Xdmd{, _mÌ Ë;m§MH{ $Sy>Z Ë;m§Zr K{Vb{ë;m O]m]XmarVyZ H$O© AWdm Om_rZXma ;m ZmË;mZ{ _wº$ hm{VmM g^mgXËd aÔ hm{Bb © . h{ _mÝ; Agb{M{ H$]wbr[Ì K{Vb{ [mohO{ Vg{M Aer ì;º$s ]±H${ À;m H$m;©jÌ{ mV amhUmar AJa ì;dgmo;H$ CË[Þ AgUmar Agmdr.

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[m{Q>oZ;_ Xwê$ñVrM{ H$maU nàQ>tJ ñQ>e { Zar IMm©V dmT> Pmë;mZ{

12

àË;sH$ ì;oº$ g^mgX åhUyZ pñdH¥ V Pmë;mda Ë;m ì;º$sZ{ K{ V b{ ë ;m ^mJm]Ôb ^mJ XmIbm(odZmewëH$) K{Ê;mg Vm{ [mÌ hm{Bb © . ^mJ XmIë;mda K{Vb{ë;m Ë;m ^mJm§Mm C„{I Ag{b d Ë;mM{ AZw H « $ _m§ H $ AgVrb. ^mJ XmIë;mda ]±H{$M{ AÜ;j, AoYH$ma oXb{b{ g§MmbH$ d _w»; H$m;© H $mar AoYH$mar ;m§À;m ñdmjè;m AgVrb Vg{M Ë;mda ]±H${ M{ grb Ag{b.

àË;{H$ ì;oº$ g^mgX åhUyZ pñdH¥ V Pmë;mda Ë;m ì;º$sZ{ K{Vb{ë;m ^mJm]Ôb ^mJ XmIbm (odZmewëH$) K{Ê;mg Vm{ [mÌ hm{B©b. ^mJ XmIë;mda K{Vb{ë;m Ë;m ^mJm§Mm C„{I Ag{b d Ë;mM{ AZwH$« _m§H$ AgVrb. ^mJ XmIë;mda ]±H{$M{ AÜ;j, AoYH$ma oXb{b{ g§MmbH$ d _w»; H$m;©H$mar AoYH$mar ;m§À;m ñdmjè;m AgVrb Vg{M Ë;mda ]±H{$M{ grb Ag{b H$m{Umhr EH$m g^mgXmg ê$.5,00,000/qH$_Vr[{jm AoYH$ ^mJ Ia{Xr H$aVm ;{Uma ZmhrV.

^m§ S >db [;m© á Vm à_mU JmR>U{gmR>r ^m§S>dbmV dmT> H$aU{ Amdí;H$ Agb{Z{

36(9)

]±H${ gmR>r odH$V K{Vb{ë;m,odH$b{ë;m d VmaU R>d{ b{ë;m amÁ; F$U[Ì{ d odídñV g§ ñ Wm§ M r F$U[Ì{ ;m]m]V H{ $ bë;m H$m;©dmhrg _mÝ;Vm X{U{ d ;mgmR>r _w»; H$m;©H$mar AoYH$mar d H$m{Umhr EH$m g§MmbH$mg g;wº$[U{ ;m]m]V AoYH$ma X{U{.

]±H${ gmR>r odH$V K{Vb{ë;m,odH$b{ë;m d VmaU R>d{ b{ë;m amÁ; F$U[Ì{ d odídñV g§ñWm§Mr F$U[Ì{ ;m]m]V H{$bë;m H$m;©dmhrg _mÝ;Vm X{U{ d ;mgmR>r _w»; H$m;©H$mar AoYH$mar d H$m{Umhr EH$m g§MmbH$mg g§;wº$[U{ ;m]m]V AoYH$ma oXb{ b m Amh{ . Ë;mE{ d Or _w » ; H$m;©H$mar AoYH$mar d od^mJ à_wI ;m§Zm g§;ºw $[U{ ;m]m]V AoYH$ma X{U.{ 31

oaPìh© ]±H${ H$S>rb [Ì ref.

UBD.No.MU M.Comp.

4624/12.07.1846/200032004, OmZ{dmar 19, 2004

Zwgma ]±H${ À;m X¡Zo§ XZ H$m_H$mOm_Ü;{ g§MmbH$m§Mm hñVj{[ ZH$m{ Agb{M{ gwoMV H{$b{Z.{

‘kjn lgdkjh c¡d fy- eapj ºÉ¦ÉɺÉnù +{ÉPÉÉiÉÒ Ê´É¨ÉÉ cEÄ òä xÉä +ÉÌlÉEò ´É¹ÉÇ 2005-06 EòɳýÉiÉ ºÉ´ÉÇ ºÉ¦ÉɺÉnùÉSÆ ÉÉ °ü.1,00,000/- (¯û{ɪÉä BEò ±ÉÉJÉ ¨ÉÉjÉ) +{ÉPÉÉiÉÒ Ê´É¨ÉÉ EòÉfø±Éä±ÉÉ +ɽäþ. ÁÉ Ê´É¨ªÉÉ +ÆiÉMÉÇiÉ Ê¨É³ýhÉÉ®äú ¡òɪÉnäù {ÉÖføÒ±É |ɨÉÉhÉä 1) +{ÉPÉÉiÉ PÉb÷±É䱪ÉÉ Ê´É¨ÉÉvÉÉ®úEòÉSÉä VÉ®ú BEò ½þÉiÉ ËEò´ÉÉ BEò {ÉÉªÉ ËEò´ÉÉ BEò b÷ɳä ýÉ {ÉÖhÉÇ{ÉhÉä ÊxÉEòɨÉÒ ZÉɱªÉÉºÉ Ê´É¨ÉÉvÉÉ®úEòÉºÉ Ê´É¨ÉÉ ®úEò¨ÉäSªÉÉ 50 ]õCEäò ®úCEò¨É +nùÉ Eò®úhªÉÉiÉ ªÉä<±Ç É.

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2) ºÉ¦ÉɺÉnùÉºÉ +{ÉPÉÉiÉÒ ¨ÉÞiªÉÖ +ɱÉäºÉ ºÉÆcvÆa ÉÒiÉ ºÉ¦ÉɺÉnùÉSÉä ´ÉÉ®úºÉnùÉ®úÉºÉ Ê´É¨ÉÉ EÆò{ÉxÉÒ EòbÚ÷xÉ cÄEòä ¨ÉÉ¡ÇòiÉ °ü.1,00,000/- (°ü{ɪÉä BEò ±ÉÉJÉ ¨ÉÉjÉ) ʨɳýiÉÒ±É.

3) ºÉ¦ÉɺÉnùÉºÉ +{ÉPÉÉiÉ ½þÉ>ä ðxÉ +{ÉÆMÉi´É +ɱªÉÉºÉ ËEò´ÉÉ ¨ÉÞiªÉÖ {ÉɴɱªÉÉºÉ iªÉÉ£ÉÉ£ÉiÉSÉä ºÉ´ÉÇ {ÉÖ®úÉ´Éä ËEò´ÉÉ nù´ÉÉJÉÉxªÉÉSÉÉ nùÉJɱÉÉ, ¨ÉÞiªÉÖ ZÉɱªÉÉºÉ {ÉÉäÊ±ÉºÉ {ÉÆSÉxÉɨÉÉ Ê®ú{ÉÉä]õÇ, ¨ÉÞiªÉÖSÉÉ nùÉJɱÉÉ ´É ¨ÉªÉiÉ ºÉ¦ÉɺÉnùÉSÉÉ ¡òÉä]õÉ,ä iɺÉäSÉ VÉ®ú ¨ÉªÉiÉ ºÉ¦ÉɺÉnùÉSÉÒ cÉiɨÉÒ {Éä{É®ú¨ÉvªÉä +ɱÉÒ +ºÉä±É iÉ®ú iªÉÉ {Éä{É®úSÉä EòÉjÉhÉ ºÉ´ÉÇ |ɨÉÉhÉ{ÉjÉÉ ºÉÉäciÉ {ÉÉBöÊ´ÉhÉä.

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5) ºÉ¦ÉɺÉnù VÉ®ú EòVÉÇnùÉ®ú +ºÉä±É iÉ®ú iªÉÉSÉä ʴɨªÉÉSÉÒ ®úCEò¨É |ÉlÉ¨É EòVÉÉÇiÉ ¦É°üxÉ PÉä>ðxÉ =´ÉÇ®úÒiÉ ®úCEò¨É iªÉÉÆSÉä ´ÉÉ®úºÉÉºÉ Ênù±ÉÒ VÉÉ<DZÉ, VÉähÉä Eò°üxÉ iªÉÉÆSÉä´É®ú +´É±ÉÆcxÚ É +ºÉhÉÉ-ªÉÉ EÖò]ÆõÊÖ cªÉÉÆxÉÉ cÄEòä SªÉÉ EòVÉÉÇcÉciÉ ÊxÉ϶SÉiÉ ®úɽþiÉÉ ªÉä<±Ç É.

1) +{ÉPÉÉiÉ ÁÉ ´ÉÉCªÉÉiÉ ¨ÉÉäb÷iÉ +ºÉ±Éä±Éä |ÉEòÉ®ú ¨½þhÉVÉä EÖòBö±ªÉÉ |ÉEòÉ®úSÉä +{ÉPÉÉiÉ VªÉɨÉvªÉä +É{ÉhÉÉÆºÉ ½þÉhä ÉÉ®úÉ +{ÉPÉÉiÉ +xÉ{ÉäIÉÒiÉ PÉb÷iÉÉä (=nùÉ. ºÉÉ{É SÉÉ´ÉÖxÉ ¨ÉÞiªÉÖ, EÖòBö±ªÉɽþÒ |ÉEòÉ®úSÉä ®úºiªÉÉ´É®úÒ±É +{ÉPÉÉiÉ ¨ÉÞiªÉÖ, {ÉÉhªÉÉiÉÖxÉ |É´ÉÉºÉ Eò®úiÉÉxÉÉ ZÉɱÉä±ÉÉ ¨ÉÞiªÉÖ, ʴɨÉÉxÉ +{ÉPÉÉiÉ ¨ÉÞiªÉÖ <.)

2) EÖòBö±ÉɽþÒ +{ÉPÉÉiÉ VÉÉhÉÖxÉ cÖVÉÚxÉ +ÉäføÚxÉ PÉäiɱÉä±ÉÉ +ºÉä±É iÉ®ú iÉÉä +{ÉPÉÉiÉ ¨½þhÉÚxÉ PÉÉä¹ÉÒiÉ Eò®úiÉÉ ªÉähÉÉ®ú xÉɽþÒ.

32

‘kjn lgdkjh c¡d fy- eapj R>d{ r darb AmH$f©H$ ì;;mOXa (oX.07/04/2006 [mgyZ) H$mbmdYr

ì;mOXa

30 oXdg V{ 45 oXdg 46 oXdg V{ 180 oXdg 181 oXdg V{ 365 oXdg 13 _ohÝ;mÀ;m [wT>{ Xm_ Xwß[Q> Xm_ oVß[Q> •

5.5 % 6.5 % 7.5 % 8.5 % 99 _ohZ{ 157 _ohZ{

d; df} 58 d [wT>rb O{ð> ZmJarH$m§gmR>r 0.5 % OmXm ì;mOXa X{Ê;mV ;{B©b. gh.g§ñWmÀ;m ]m]VrV ì;mO Xa R>aodÊ;mM{ AoYH$ma _m.AÜ;j ,C[mÜ;j ,_w»; H$m;©H$mar AoYH$mar ;m§M{ amhVrb.

Am_À;;m oddrY H$O©;m{O { Zm d ì;;mOXa H$mOm©Mm àH$ma J¥h VmaU Q>_© bm{Z dmhZ VmaU H°$e H«${ nS>Q>

ì;mOXa 10% 12.5 % 12 % 12 %

•

gm{Z{ VmaUm H$Om©gmR>r àVr Vm{im é.5,000/- d ì;mOXa 12.5 % .

•

O{ H$O©Xma H$O©dmQ>[m]m]VÀ;m oZ;_m§M{ [mbZ AWdm [yV©Vm H$aUma ZmhrV Ë;m§Zm àMobV ì;mOXam[{jm 1% OmXm ì;mOXa AmH$mab{ OmV{. |ÉMÉiÉÒ +ɱÉäJÉ (°ü{ɪÉä ±ÉÉJÉÉiÉ) 14000 12000 10000 8000 6000 4000 2000 0

+ÉÌlÉEò ´É¹ÉÇ

2001-02

2002-03

2003-04

Own Funds Loans

iÉ{ÉÊ¶É±É ÊxÉvÉÒ Bäö´ÉÒ EòVÉæ JÉä³ýiÉä ¦ÉÉÆb÷´É±É

|ÉMÉiÉÒ 2001-02 435.35 4887.47 3139.95 5422.39

2004-05

2005-06

Deposits Working Capital

+ɱÉäJÉ (°ü{ɪÉä 2002-03 478.81 5385.98 3338.08 6115.32

33

±ÉÉJÉÉiÉ) 2003-04 581.47 6445.18 4105.28 7476.73

2004-05 756.00 8137.25 6035.16 9458.68

2005-06 931.68 10218.37 6052.33 11495.68

‘kjn lgdkjh c¡d fy- eapj mRiUu vkys[k #- yk[kkr xqaro.kqdhojhy O;kt dfe’ku

1.31%

brj mRiUu dtkZojhy O;kt

20-89%

1.54%

76.26%

=i{ÉzÉ +ɱÉäJÉ (°ü{ɪÉä ±ÉÉJÉÉiÉ) EòVÉÉÇ´É®úÒ±É ´ªÉÉVÉ 921.21 MÉÖiÆ É´ÉhÉÖEòÒ´É®úÒ±É ´ªÉÉVÉ 252.33 EòʨɶÉxÉ 15.79 <iÉ®ú =i{ÉzÉ 18.64 BEÚòhÉ 1207.97

JÉSÉÇ +ɱÉäJÉ (°ü{ɪÉä ±ÉÉJÉÉiÉ) <kscG uQk

16.84%

?klkjk o nq#Lrh iz’kkldh; [kpZ

1.31% 4.71%

uksdj ixkj o HkRrs Bsoh o dtkZojhy fnysys O;kt 70.21% JÉSÉÇ +ɱÉäJÉ (°ü{ɪÉä ±ÉÉJÉÉiÉ) Bäö´ÉÒ ´É EòVÉÉÇ´É®úÒ±É Ênù±Éä±Éä ´ªÉÉVÉ xÉÉäEò®ú {ÉMÉÉ®ú ´É ¦ÉkÉä |ɶÉɺÉEòÒªÉ JÉSÉÇ PɺÉÉ®úÉ ´É nÖù°üºiÉÒ føÉ£ä ɳý xÉ¡òÉ BEÚòhÉ

34

848.16 83.70 56.89 15.84 203.38 1207.97

6.93%

ek- Jh- @ Jherh

izs”kd

nsosanz izdk’k’ksB ‘kgk] psvjeu

‘kjn lgdkjh c¡d fy- eapj rk- vkacsxko ft- iq.ks