JALORE NAGRIK SAHAKARI BANK LIMITED, JALORE
Form – A: Balance Sheet as on 31st March 2025
(Amount in ₹)
Capital and Liabilities
| Particulars | Schedule | Current Year (31.03.2025) | Previous Year (31.03.2024) |
|---|---|---|---|
| 1. Capital | 1 | 162,567,400 | 145,787,250 |
| 2. Reserve Fund & Other Reserves | 2 | 469,326,199 | 417,230,193 |
| 3. Principal/ Subsidiary State Partnership Fund Account | – | 0 | 0 |
| 4. Deposits & Other Accounts | 3 | 4,506,299,296 | 3,745,511,083 |
| 5. Borrowings | 4 | 0 | 0 |
| 6. Bills for Collection (Receivable as per Contra) | – | 0 | 0 |
| 7. Other Liabilities of which: Interest Payable on Deposits | 5 | 228,032,167 194,287,996 | 184,029,216 160,309,576 |
| 8. Branch Adjustments | – | 0 | 0 |
| 9. Provisions of which: Overdue Interest on Loans & Advances (As per Contra) | 6 | 132,630,928 9,990,568 | 121,005,073 8,612,455 |
| 10. Profit & Loss | 7 | 67,624,208 | 65,660,006 |
| Total | – | 5,566,480,198 | 4,679,222,821 |
Contingent Liabilities
| Particulars | Amount (₹) |
|---|---|
| Bank Guarantees | 25,000 |
| Depositor Education & Awareness Fund | 47,990,138 |
| Others: Arrear Charges Payable | 1,537,922 |
Property and Assets
| Particulars | Schedule | Current Year (31.03.2025) | Previous Year (31.03.2024) |
|---|---|---|---|
| 1. Cash & Cash Equivalents | 8.1 | 262,027,736 | 216,990,744 |
| 2. Balances with Other Banks | 8.2 | 567,655,405 | 462,276,856 |
| 3. Money at Call and Short Notice | – | 0 | 0 |
| 4. Investments | 9 | 1,514,874,349 | 1,336,097,419 |
| 5. Investments out of Principal/ Subsidiary State Partnership Fund Account | – | 0 | 0 |
| 6. Advances | 10 | 3,020,660,347 | 2,511,214,703 |
| 7. Interest Receivable i. On Investments ii. On Loans & Advances (Standard) iii. On Loans & Advances (Overdue Interest & Charges) | 11 | 64,073,528 45,855,339 8,227,621 9,990,568 | 52,066,096 35,111,674 8,341,967 8,612,455 |
| 8. Bills Receivable (as per Contra) | – | 0 | 0 |
| 9. Branch Adjustments | – | 0 | 0 |
| 10. Fixed Assets | 12 | 82,165,164 | 54,536,482 |
| 11. Other Assets | 13 | 55,023,669 | 46,040,521 |
| Total | – | 5,566,480,198 | 4,679,222,821 |
✅ Key Highlights:
Total Capital & Liabilities have grown from ₹4,679 Crores to ₹5,566 Crores, reflecting a strong growth of over 18% YoY.
Deposits increased significantly to ₹4,506 Crores, indicating increased customer trust.
Advances increased to ₹3,020 Crores, showcasing active lending and expansion.
Investments have grown to ₹1,514 Crores, ensuring liquidity and financial stability.
Fixed Assets increased to ₹82 Crores, reflecting bank’s expansion in infrastructure.
JALORE NAGRIK SAHAKARI BANK LIMITED, JALORE
Form – B: Profit & Loss Account for the Year Ended 31st March 2025
(Amount in ₹)
I. Income
| Particulars | Schedule | Current Year (31.03.2025) | Previous Year (31.03.2024) |
|---|---|---|---|
| 1. Interest & Discount | 15 | 440,587,709 | 379,994,424 |
| 2. Other Income | 16 | 23,418,076 | 14,239,705 |
| – a. Commission | – | 6,754,387 | 4,859,372 |
| – b. Profit on Sale of Fixed Assets | – | 92,467 | 131,456 |
| – c. Profit on Sale/Maturity of Govt. Securities | – | 5,591,400 | 0 |
| – d. Miscellaneous Income | – | 10,979,822 | 9,248,877 |
| Total Income | – | 464,005,785 | 394,234,129 |
II. Expenditure
| Particulars | Schedule | Current Year (31.03.2025) | Previous Year (31.03.2024) |
|---|---|---|---|
| 1. Interest on Deposits, Borrowings, etc. | 17 | 253,229,098 | 196,360,142 |
| 2. Operating Expenditure | 18 | 110,376,011 | 97,490,665 |
| 3. Provision & Contingencies | 19 | 11,295,404 | 11,943,200 |
| Total Expenditure | – | 374,900,513 | 305,794,007 |
III. Profit / Loss
| Particulars | Current Year (31.03.2025) | Previous Year (31.03.2024) |
|---|---|---|
| 1. Gross Profit for the Year | 89,105,272 | 88,440,122 |
| 2. Deferred Tax Liabilities | 421,564 | 465,608 |
| 3. Income Tax on Profit | 21,059,500 | 22,314,508 |
| 4. Net Profit for the Year (1–2–3) | 67,624,208 | 65,660,006 |
| 5. Profit / Loss Brought Forward | 0 | 0 |
| Net Profit Carried to Balance Sheet | 67,624,208 | 65,660,006 |
Key Highlights:
Net Profit increased to ₹67.62 Crores, reflecting strong operational performance.
Interest & Discount Income grew by over 15%, showing healthy lending and financial activity.
Other Income rose significantly to ₹23.42 Crores, driven by commissions and gains from securities.
Total Expenditure increased to ₹374.90 Crores, consistent with the bank’s expanding operations.
JALORE NAGRIK SAHAKARI BANK LIMITED, JALORE
Near Haridev Joshi Circle, Head Office – Jalore (Rajasthan)
Schedules forming part of Accounts For the year ended March 31, 2025
Schedule 1 – CAPITAL
Particulars | As on 31.3.2025 (current year) | As on 31.3.2024 (previous year) |
Authorised Capital (20,00,000 Shares of Rs 100/- each) (Previous Year 20,00,000 Shares) | 20,00,00,000 | 20,00,00,000 |
Issued Capital (16,25,674 Shares of Rs 100/- each) (Previous Year 14,57,872 Shares) | 16,25,67,400 | 14,57,87,250 |
Subscribed Capital (16,25,674 Shares of Rs 100/- each) (Previous Year 14,57,872 Shares) | 16,25,67,400 | 14,57,87,250 |
Called-up Capital (16,25,674 Shares of Rs 100/- each) (Previous Year 14,57,872 Shares) | 16,25,67,400 | 14,57,87,250 |
Less : Calls Unpaid ( —— Shares of Rs —– each) | 0 | 0 |
Add: Forfeited shares ( —— Shares of Rs —– each) | 0 | 0 |
Total | 16,25,67,400 | 14,57,87,250 |
Schedule 2 – RESERVE FUND & OTHER RESERVES
Particulars | As on 31.3.2025 (current year) | As on 31.3.2024 (previous year) |
I) Statutory Reserve | 16,81,52,731 | 15,17,37,729 |
II) Building Fund | 6,19,22,595 | 5,19,22,595 |
III) Bad & Doubtful Debt Reserve | 4,40,81,329 | 4,40,81,329 |
IV) Other Fund & Reserve | ||
a) General Reserve | 14,42,59,335 | 12,69,42,131 |
b) Dividend Equalization Fund | 0 | 0 |
c) Investment Fluctuation Reserve | 4,09,56,400 | 3,59,56,400 |
d) Charity Fund | 7,70,500 | 5,70,500 |
e) Staff Welfare Fund | 17,83,309 | 14,19,509 |
f) Members Welfare Fund | 9,00,000 | 6,00,000 |
g) Co-operative Education Fund | 0 | 0 |
h) Director Awareness & Education Fund | 0 | 0 |
i) Cyber Security & I.T. Fund | 65,00,000 | 40,00,000 |
Total | 46,93,26,199 | 41,72,30,193 |
Schedule 3 – DEPOSITS & OTHER ACCOUNTS
Particulafrs | As on 31.3.2025 (current year) | As on 31.3.2024 (previous year) |
I) Fixed Deposits : | ||
a) Individuals & Others | 295,20,90,214 | 240,85,53,106 |
b) Other Societies | 18,62,92,278 | 14,69,39,954 |
Total (I) | 313,83,82,492 | 255,54,93,060 |
II) Saving Bank Deposits : | ||
c) Individuals & Others | 103,71,72,555 | 94,02,01,792 |
d) Other Societies | 8,42,94,222 | 6,62,64,769 |
Total (II) | 112,14,66,777 | 100,64,66,561 |
III) Current Deposits : | ||
e) Individuals & Others | 21,01,07,699 | 17,64,78,611 |
f) Credit Balance of Loan A/c | 2,69,62,497 | 47,71,321 |
g) Other Societies | 93,79,831 | 23,01,530 |
Total (III) | 24,64,50,027 | 18,35,51,462 |
Total (I+II+III) | 450,62,99,296 | 374,55,11,083 |
Schedule 4 – BORROWINGS :
Particulafrs | As on 31.3.2025 (current year) | As on 31.3.2024 (previous year) |
i) From the Reserve Bank of India/State/Central Co-op Bank & Others | -Nil- | -Nil- |
ii) From the State/Central Government | -Nil- | -Nil- |
iii) Loans from other sources | -Nil- | -Nil- |
Total (I+II+III) | -Nil- | -Nil- |
Schedule 5 – OTHER LIABILITIES
Particulars | As on 31.3.2025 (current year) | As on 31.3.2024 (previous year) |
I) Interest Payable on Deposits | 19,42,87,996 | 16,03,09,576 |
II) Bills Payable | 87,46,854 | 63,10,833 |
III) Unclaimed Dividends | 44,41,902 | 37,14,699 |
IV) Sundry Creditors | 1,22,05,196 | 62,06,843 |
V) Deferred Tax Liability | 19,50,406 | 15,28,842 |
VI) Settlement Account (Digital Channels & Others) | 5950 | 0 |
VII) Other Items | ||
a) Share Application Money | 1,110 | 1,110 |
b) TDS Payable | 36,47,924 | 28,77,414 |
c) Audit Fee Payable | 1,99,000 | 1,80,000 |
d) Share Capital Payable | 3,05,475 | 3,05,475 |
e) GST Payable | 12,15,465 | 9,54,295 |
f) HDFC Bank DD Payable | 9,48,295 | 10,72,865 |
g) PMSBY & PMJJBY | 0 | 0 |
h) Unclaimed Deposits | 76,594 | 5,67,264 |
Total | 22,80,32,167 | 18,40,29,216 |
Schedule 6 – PROVISIONS
Particulars | As on 31.3.2025 (current year) | As on 31.3.2024 (previous year) |
I) For Standard Assets | 1,29,87,385 | 1,04,16,981 |
II) For NPA | 4,33,43,215 | 4,33,43,215 |
III) For Bad & Doubtful Debts Reserve | 2,06,26,838 | 1,34,21,564 |
IV) For Investment Depreciation Reserve(IDR) | 37,05,321 | 37,05,321 |
V) For Special Reserve u/s 36(1)(viii)of IT Act | 77,25,000 | 60,50,000 |
VI) For Overdue Interest | 99,90,568 | 86,12,455 |
VII) For Contingent Liability | 35,30,860 | 35,30,860 |
VIII) For Bonus | 13,10,683 | 11,08,611 |
IX) For Expenses | 0 | 1,50,000 |
X) For Income Tax on Profit | 2,10,59,500 | 2,23,14,508 |
XI) For Fraud | 83,51,558 | 83,51,558 |
Total | 13,26,30,928 | 12,10,05,073 |
Schedule 7 – PROFIT & LOSS
Particulars | As on 31.3.2025 (current year) | As on 31.3.2024 (previous year) |
Profit as per last Balance Sheet (a) | 6,56,60,006.03 | 5,34,01,444.63 |
Less : Appropriation of profit for the year 2023-2024 | ||
Statutory Reserve Funds | 1,64,15,002 | 1,33,50,361 |
Co-operative Education Fund | 6,56,600 | 5,34,014 |
Bad & Doubtful Reserve | 0 | 25,00,000 |
Dividends | 1,27,82,190 | 1,19,80,095 |
Dividend Equalization Funds | 0 | 0 |
Staff Welfare Funds | 5,00,000 | 0 |
Charity Funds | 2,00,000 | 0 |
Investment Fluctuation Reserve(IFR) | 50,00,000 | 25,00,000 |
Members Welfare Funds | 3,00,000 | 0 |
Cyber Security & I.T. Funds | 25,00,000 | 10,00,000 |
Building Funds | 1,00,00,000 | 1,00,00,000 |
General Reserve | 1,73,06,214.03 | 1,15,36,974.63 |
(b) | 6,56,60,006.03 | 5,34,01,444.63 |
(a)-(b) | 0 | 0 |
Add : Profit for the year as per Profit & Loss Accounts | 6,76,24,208.06 | 6,56,60,006.03 |
Schedule 8.1 – CASH
Particulars | As on 31.3.2025 (current year) | As on 31.3.2024 (previous year) |
i) Cash in Hand | 6,92,73,532 | 4,57,51,465 |
ii) Cash in ATM | 2,59,20,800 | 1,67,79,900 |
iii) Cash in CDM | 10,00,100 | 10,85,100 |
iv) Cash with Reserve Bank of India | 0 | 0 |
v) Cash with State Bank of India & Corresponding new Banks | 16,37,51,491 | 14,76,81,381 |
vi) Cash with Central Co-operative Bank | 20,81,813 | 56,92,898 |
Total | 26,20,27,736 | 21,69,90,744 |
Schedule 8.2 – BALANCE WITH BANKS AND MONEY at CALL AND SHORT NOTICE
Particulars | As on 31.3.2025 (current year) | As on 31.3.2024 (previous year) |
i) Current Deposits | 15,63,60,669 | 14,02,11,764 |
ii) Saving Bank Deposits | 0 | 0 |
iii) Fixed Deposits (Including ₹2.00cr pledge with AU Small Finance Bank Ltd for the purpose of instant Liquidity & ₹6.50cr HDFC Bank Ltd for settlement of RTGS/NEFT,ATM,PoS,E-Com,IMPS,UPI & Treasury operations) | 41,12,94,736 | 32,20,65,092 |
Total | 56,76,55,405 | 46,22,76,856 |
Schedule 9 – INVESTMENTS
Particulars | As on 31.3.2025 (current year) | As on 31.3.2024 (previous year) |
I. Investment in India in | ||
(i) Government Securities Face Value – 12961.50 Lakh Market Value – 13299.91 Lakh | 127,53,63,149 | 120,35,86,319 |
(ii) Other approved securities | 0 | 0 |
(iii) Shares Shares in Co-operative Institutions Shares of NCDFC – Umbrella Organization | 11,200 25,00,000 | 11,100 25,00,000 |
(iv) Debentures and Bonds | 0 | 0 |
(v) Subsidiaries and/or joint ventures | 0 | 0 |
(vi) Others (to be specified) Units of Debt Mutual Funds (Liquid & Short Term Fund Scheme) | 23,70,00,000 | 13,00,00,000 |
Total | 151,48,74,349 | 133,60,97,419 |
Schedule 10 – ADVANCES
Particulars | As on 31.3.2025 (current year) | As on 31.3.2024 (previous year) |
A. | ||
I. Bills purchased and discounted | 0 | 0 |
II. Cash Credits, Overdrafts and loans repayable on demand | 77,30,68,836 | 68,55,92,318 |
III. Term Loans | 224,75,91,511 | 182,56,22,385 |
Total | 302,06,60,347 | 251,12,14,703 |
B. | ||
I. Secured by tangible Assets | 2,98,60,35,897 | 2,48,28,38,700 |
II. Covered by Bank/Government | 3,03,93,333 | 2,76,73,279 |
III. Unsecured | 42,31,117 | 7,02,724 |
Total | 302,06,60,347 | 251,12,14,703 |
C. (I) Advances in India | ||
I. Priority Sector | 192,74,43,665 | 163,09,75,679 |
II. Public Sector | 0 | 0 |
III. Banks | 0 | 0 |
IV. Others | 109,32,16,682 | 88,02,39,024 |
IV. Covered by Bank/Government | 0 | 0 |
Total | 302,06,60,347 | 251,12,14,703 |
C. (II) Advances outside India | -Nil- | -Nil- |
Grand Total(C.I and II) | 302,06,60,347 | 251,12,14,703 |
Schedule 11 – INTEREST RECEIVABLE
Particulars | As on 31.3.2025 (current year) | As on 31.3.2024 (previous year) |
I. Interest Receivable | ||
a. On Investment (Govt. Securities) | 1,93,94,331 | 1,67,03,180 |
b. On Balance with other Inter-Bank Funds | 2,64,61,008 | 1,84,08,494 |
c. On Loan & Advances (Standard) | 82,27,621 | 83,41,967 |
d. On Loan & Advances (Overdue Int & Charges) | 99,90,568 | 86,12,455 |
Total (a+b-c-d) | 6,40,73,528 | 5,20,66,096 |
Schedule 12 – FIXED ASSETS
Particulars | As on 31.3.2025 (current year) | As on 31.3.2024 (previous year) |
I. Premises | ||
a. At cost as on 31st March 2024 | 1,57,74,931 | 1,23,17,721 |
b. Additions during the year | 1,63,10,811 | 38,71,790 |
c. Deductions during the year | 0 | 0 |
d. Depreciation to date | 3,73,122 | 4,14,580 |
Total (a+b-c-d) | 3,17,12,620 | 1,57,74,931 |
II. Other Fixed Assets (Including F&F) | ||
a. At cost as on 31st March 2024 | 3,87,61,551 | 2,06,00,374 |
b. Additions during the year | 2,18,52,481 | 2,68,80,081 |
c. Deductions during the year | 33 | 22 |
d. Depreciation to date | 1,01,61,455 | 87,18,882 |
Total (a+b-c-d) | 5,04,52,544 | 3,87,61,551 |
Total (I and II) | 8,21,65,164 | 5,45,36,482 |
Schedule 13 – OTHER ASSETS
Particulars | As on 31.3.2025 (current year) | As on 31.3.2024 (previous year) |
I. Inter-office adjustment (net) | 0 | 0 |
II. Tax Paid in advance/tax deducted at source | 2,16,96,889 | 2,29,79,118 |
III. Stationery and stamps | 14,45,011 | 13,23,729 |
IV. Non-banking assets acquire in satisfaction of claims | 0 | 0 |
V. Others* | 3,18,81,769 | 2,17,37,674 |
Total | 5,50,23,669 | 4,60,40,521 |
Schedule 14 – CONTINGENT LIABILITIES
Particulars | As on 31.3.2025 (current year) | As on 31.3.2024 (previous year) |
I. Claim against the bank not acknowledge as debts | 0 | 0 |
II. Liability for partly paid investment | 0 | 0 |
III. Liability on account of outstanding forward exchange contracts | 0 | 0 |
IV. Guarantees given on behalf of constituents (a) In India (b) Outside India | 25,000 0 | 25,000 0 |
V. Acceptances, endorsements and other obligations | 0 | 0 |
VI. Unclaimed Liabilities under DEAF Scheme | 4,79,90,138 | 4,10,33,175 |
VII. Other Items for which the Bank is contingently Liable – Arrear Charges Payable | 15,37,922 | 9,12,430 |
Total | 4,95,53,060 | 4,19,70,605 |
Schedule 15 – INTEREST EARNED
Particulars | As on 31.3.2025 (current year) | As on 31.3.2024 (previous year) |
I. Interest/discount on advances/bills | 30,48,25,452 | 24,88,26,706 |
II. Income from investments | 10,76,54,758 | 10,85,62,273 |
III. Interest on balance with RBI and other inter-bank funds | 2,81,07,499 | 2,26,05,445 |
IV. Others | 0 | 0 |
Total | 44,05,87,709 | 37,99,94,424 |
Schedule 16 – OTHER INCOME
Particulars | As on 31.3.2025 (current year) | As on 31.3.2024 (previous year) |
I. Commission, exchange and brokerage | 67,54,387 | 48,59,372 |
II. Profit on sale of investments Less : Loss on investments | 55,91,400 | 0 |
III. Profit on revaluation of investments | 0 | 0 |
IV. Profit on sale of land, buildings and other assets Less : Loss on sale of land, buildings and other assets | 92,467 | 1,31,456 |
V. Profit on exchange transactions Less : Loss on exchange transactions | 0 | 0 |
VI. Income earned by way of dividends, etc. from subsidiaries/companies and/or joint ventures abroad/in India | 0 | 0 |
VII. Interest received on I.T. refund | 0 | 0 |
VIII. Miscellaneous Income | 1,09,79,822 | 92,48,877 |
Total | 2,34,18,076 | 1,42,39,705 |
Note : Under items II to V loss figures shall be shown in brackets.
Schedule 17 – INTEREST EXPENDED
Particulars | As on 31.3.2025 (current year) | As on 31.3.2024 (previous year) |
I. Interest on deposits (Fixed & RD) | 22,28,43,734 | 16,60,53,011 |
II. Interest on deposits (Saving) | 3,03,85,364 | 3,03,07,049 |
III. Interest on RBI/inter-bank borrowings | 0 | 82 |
IV. Others | 0 | 0 |
Total | 25,32,29,098 | 19,63,60,142 |
Schedule 18 – OPERATING EXPENSES
Particulars | As on 31.3.2025 (current year) | As on 31.3.2024 (previous year) |
I. Payment to and provisions for employees | 6,04,55,177 | 5,44,04,817 |
I. Rent, taxes and lighting | 1,02,65,784 | 85,49,237 |
II. Printing and stationery | 23,24,223 | 17,28,770 |
III. Advertisement and publicity | 26,73,712 | 20,91,232 |
IV. Depreciation on bank’s property | 1,05,34,577 | 91,33,462 |
V. Director’s fees, allowances and expenses | 15,84,495 | 9,31,961 |
VI. Auditors’ fees and expenses (including branch auditors) | 12,63,670 | 11,41,858 |
VII. Law & Professional Fee Charges | 6,58,524 | 4,45,983 |
VIII. Postages, Telegrams, Telephones, etc. | 7,59,377 | 9,11,088 |
IX. Repairs and maintenance | 5,96,326 | 9,56,003 |
X. Insurance | 61,87,107 | 55,92,442 |
a. Premium Paid to DICGC | — 52,57,338 | — 45,77,626 |
b. All other Insurance Premium | — 9,29,769 | — 10,14,816 |
XI. Amortization of Premium paid on Investment | 1,43,260 | 34,125 |
XII. Other expenditure | 1,29,29,779 | 1,15,69,687 |
Total | 11,03,76,011 | 9,74,90,665 |
Schedule 19 – PROVISION MADE
Particulars | As on 31.3.2025 (current year) | As on 31.3.2024 (previous year) |
I. Provision for Special Reserve u/s 36(1)(viii)of IT Act | 16,75,000 | 18,50,000 |
II. Provision for IDR | 0 | 0 |
III. Provision for Bad & Doubtful Debts | 70,50,000 | 75,35,000 |
IV. Provision for Standard Assets | 25,70,404 | 25,58,200 |
V. Provision for NPA | 0 | 0 |
VI. Provision for Contingent Liability | 0 | 0 |
VII. Provision for Cyber/ATM Fraud | 0 | 0 |
Total | 1,12,95,404 | 1,19,43,200 |
–sd–
(Statutory Auditor)
–sd—
(Sh Parmanand Bhatt)
Chief Executive Officer