Previous Year

Rs. Crore

Liabilities

Schedules

Current Year

Rs. Crore

450.00

1.

Capital

I

450.00

1389.07

2.

Reserves

II

1557.83

0.00

3.

Profit & Loss Account

III

0.00

9,083.25

4.

Bonds and Debentures

IV

5,714.72

400.00

5.

Subordinated Debts

400.00

0.00

6.

Deposits from Housing Finance Companies

0.25

8,995.68

7.

Borrowings

V

10,865.88

76.06

8.

Deferred Tax Liability (net)

77.29

542.82

9.

Current Liabilities and Provisions

VI

553.27

272.49

10.

Other Liabilities

VII

272.49

14.02

11.

HLA deposits with Banks & HFCs - as per contra (Refer Note 23.3)

6.17

21,223.39

TOTAL

19,897.9 0

Previous Year

Rs. Crore

Assets

Schedules

Current Year

Rs. Crore

972.01

1.

Cash and Bank Balances

VIII

1,089.63

288.23

2.

Investments

IX

719.48

19,571.85

3.

Loans and Advances

X

17,671.17

23.37

4.

Fixed Assets

XI

21.81

353.91

5.

Other Assets

XII

389.64

14.02

6.

HLA deposits with banks & HFCs - as per contra (out of this Rs.2,222,511/- used as automatic refinance)

6.17

21,223.39

TOTAL

19,897.9 0

200.54

Contingent Liability

XIII

164.04

Notes forming part of Accounts

XIV

Previous Year Rs. Crore

Expenditure

Current Year

Rs. Crore

1,213.19

1.

Interest (including net discount on CBLO of Rs.8.35 crore)

1,264.59

4.45

2.

Staff Salaries, Allowances and Terminal Benefits

3.39

0.08

3.

Directors' and Committee Members fees and Expenses

0.14

0.06

4.

Audit Fees (including Rs.2.12 lakh for previous years)

0.11

0.96

5.

Rent, Taxes, Electricity and Insurance

1.03

0.27

6.

Postage, Telegrams, Telex and Telephones

0.31

0.13

7.

Law Charges

0.09

8.

Stationery, Printing, Advertisement etc.

0.32

(i) Printing and Stationery

0.57

0.40

(ii) Advertisement

1.33

1.90

2.39

9.

Depreciation

2.90

3.75

10.

Brokerage, Guarantee Fee Other Finance Charges

3.61

2.03

11.

Stamp duty

0.59

1.14

12.

Traveling Expenses (including foreign tours)

1.27

5.03

13.

Other Expenditure (Refer Note 24)

6.40

0.00

14.

Interest paid on Interest Rate Swaps

0.19

0.03

15.

Depreciation on Investment (Refer Note 25)

7.70

0.00

16.

Loans and Advances Written Off (Refer Note 30)

17.24

16.24

17.

Provision for Standard Assets

0.00

10.75

18.

Provision for Bad Debts u/s 36(1)(viia)(c) of IT Act,1961

13.60

0.07

19.

Wealth Tax

0.09

(2.65)

20.

Deferred Tax

1.23

69.20

21.

Income Tax

86.40

0.18

22.

Fringe Benefit Tax

0.19

114.31

23.

Balance of Profit c/d

169.70

1442.33

TOTAL

1,582.67

13.11

24.

Provision for Stamp duty

0.00

0.22

25.

Transfer to Staff Benevolent Fund

0.39

61.71

26.

Transfer to Reserve Fund

152.18

30.20

27.

Transfer to Special Reserve in terms of Section 36(1)(viii) of Income Tax Act, 1961

12.50

9.15

28.

Balance Carried to Balance Sheet

11.71

114.39

TOTAL

176.78

Previous Year Rs. Crore

Income

Current Year

Rs. Crore

1.

Interest on Loans & Advances and Bank Deposits:

1275.91

(i) Loans & Advances

1,383.46

149.62

(ii) Bank Deposits

110.01

1,493.47

0.06

2.

Interest Income on Interest Rate Swaps

2.76

3.89

3.

Income from Investments

26.67

1.71

4.

Profit on sale of Investments

7.89

9.66

5.

Profit on Purchase and Sale of Mutual Fund

21.71

@

6.

Profit on sale of Fixed Assets

@

1.13

7.

Other Income

3.65

5.51

8.

Gain on Forward Exchange Contract (net)

1.16

(6.57)

9.

Gains/(Loss) on Revaluation of foreign Deposits & Borrowings

3.11

1.33

10.

Provisions no longer required written back

22.25

0.08

11.

Provisions and Contingencies (excess provision on investment reversed)

0.00

1442.33

TOTAL

1582.67

114.31

12.

Balance of Profit brought down

169.70

0.08

13.

Guarantee fee commission for earlier years

0.00

0.00

14.

Transfer from Investment Fluctuation Reserve

(Refer Note 25)

7.08

114.39

176.78