dm dm{f©H$ Ahdmb

gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
OZVm ghH$mar ~±H$ {b., nwUo
(‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$)
dm{f©H$ gd©gmYmaU g^oMr gyMZm
(’$ŠV g^mgXm§gmR>r)
OZVm ghH$mar ~±H$ {b., nwUo `m ~±Ho$Mr 68 dr dm{f©H$ gd©gmYmaU g^m e{Zdma {X. 19 Am°JñQ> 2017 amoOr Xwnmar 3.00 dmOVm àmoJ«o{gìh
EÁ`wHo$eZ gmogm`Q>rMo g^mJ¥h, ‘m°S>Z© H$m°boO Am°’$ B§{O{ZA[a¨JMo eoOmar, {edmOrZJa, nwUo 411 005 `oWo Imbrb {df`m§Mm {dMma H$ê$Z
{ZU©` KoÊ`mgmR>r hmoUma Amho. gXa g^og AmnU CnpñWV ahmdo, Aer {dZ§Vr Amho.
g^onwT>rb {df`
1. ‘mJrb dfu {X. 27 OyZ, 2016 amoOr Pmboë`m 67 ì`m dm{f©H$ gd©gmYmaU g^oÀ`m H$m‘H$mOmMo d¥Îm dmMyZ H$m`‘ H$aUo.
2. ‘m. g§MmbH$ ‘§S>imZo gmXa Ho$bobm {X. 31-3-2017 AIoaÀ`m dfm©Mm Ahdmb, Vmio~§X d Z’$m-VmoQ>m nÌH$ ‘§Oya H$ê$Z Z’$m dmQ>Ur
H$aUo Am{U d¡Ym{ZH$ boImn[ajH$m§À`m AhdmbmMr Zm|X KoUo.
3. gZ 2017-18 `m dfm©gmR>r ‘o. ‘wHw§$X E‘. {MVio A±S> H§$nZr, ‘o. Eg. S>r. ‘oS>XH$a A±S> H§$nZr, ‘o. eem§H$ nËH$s A±S> Agmo. `m§Mr
g§`wº$nUo d¡Ym{ZH$ boImn[ajH$ åhUyZ Zo‘UyH$ H$aUo d Ë`m§Mm ‘ohoZVmZm R>a{dUoMm A{YH$ma g§MmbH$ ‘§S>img XoUo.
4. gZ 2017-18 À`m dm{f©H$ A§XmOnÌH$mg ‘mÝ`Vm XoUo.
5. ~±Ho$À`m g§MmbH$m§Zm d Ë`m§À`m Hw$Qw>§{~`m§Zm Ahdmb dfm©V {Xboë`m H$Om©Mr ‘ëQ>rñQ>oQ> H$mo.Am°n. A°ŠQ> 2002 H$b‘ 39 (3) Zwgma ‘m{hVr KoUo.
6. ‘m. g§MmbH$ ‘§S>imZo ~±Ho$À`m Cn{dYr (Bye-Laws) ‘Ü`o gwM{dboë`m XwéñVrg g§‘Vr XoUo.
7. d¡Ym{ZH$ boIm n[ajH$m§Zr à‘m{UV Ho$ë`mZwgma AZwËnm{XV H$O©ImË`m§Mr Zmdo ~mH$s dgwbrMm h¸$ A~m{YV R>odyZ {Zb}{IV H$aÊ`mg
‘mÝ`Vm XoUo.
8. OZVm A~©Z H$mo-Am°n. ~±H$ {b., dmB© `m ~±Ho$Mo Amnë`m ~±Ho$V {dbrZrH$aU H$aUo~m~VÀ`m àñVmdmg ‘mÝ`Vo~m~V.
9. Y‘m©Xm`/gmd©O{ZH$ H$maUmgmR>r A§eXmZ {ZYrVyZ XoUJr XoUo~m~VMo àñVmdmg ‘mÝ`Vm XoUo.
10. gXa dfm©V gd©gmYmaU g^oV J¡ahOa Agboë`m g^mgXm§À`m aOobm ‘mÝ`Vm XoUo.
11. ‘m. AÜ`jm§Mo AZwkoZo Am`Ë`m doiMo {df`.

O`§V H$mH$VH$a
{R>H$mU : nwUo à^mar ‘w»` H$m`©H$mar A{YH$mar
{XZm§H$ : 21 Owb¡ 2017 (‘m. g§MmbH$ ‘§S>imÀ`m Amkodê$Z)
gyMZm …
1. g^oÀ`m {Z`mo{OV doionmgyZ AYm© Vmgmn`ªV åhUOo 3.30 dmOon`ªV JUnyVu Z Pmë`mg g^m ñW{JV Ho$br OmB©b d ñW{JV Pmbobr g^m Ë`mM {R>H$mUr Ë`mM {Xder
3.40 dmOVm KoÊ`mV `oB©b. Ë`m g^og JUnyVuMr d doJù`m gyMZoMr Amdí`H$Vm Zmhr.
2. gZ 2016-17 Mm Vmio~§X d Z’$mVmoQ>m nÌH$, Cn{dYr XwéñVr Vnerb ~±Ho$À`m do~gmB©Q> www.janatabankpune.com da à{gÕ H$aÊ`mV Ambm Amho.
3. dm{f©H$ AhdmbmMr àV ~±Ho$À`m emIm§‘Ü`o {X. 4 Am°JñQ> 2017 nmgyZ CnbãY amhrb.
4. g^oV hmoUmè`m H$m‘H$mOm~m~V gyMZo‘Ü`o {ZX}{eboë`m ~m~tg§~§Yr Oê$a H$mJXnÌo goH«o$Q>[a`b {d^mJ, ‘w»`H$Moar‘Ü`o {X. 7 Am°JñQ> 2017 nmgyZ H$m‘H$mOmÀ`m
doioV nmhÊ`mg {‘iVrb.
5. g^oÀ`m doir {df`n{ÌHo$Vrb ~m~tg§~§Yr {dMmamd`mMr ‘m{hVr {X. 14 Am°JñQ> 2017 n`ªV H$m`m©b`rZ H$m‘H$mOmÀ`m doioV goH«o$Q>arAb {d^mJmH$S>o àíZê$nmZo
boIr H$i{dë`mg Ë`mà‘mUo ‘m{hVr V`ma R>odUo gmoB©ñH$a hmoB©b.
6. ^mJ à‘mUnÌmVrb Zmd, nÎmm AWdm dmagXma ~Xb Agë`mg VgoM bm^m§e Amnë`m ~MV ImË`mV O‘m H$aUo AWdm AÝ` ~±Ho$À`m ImË`mV O‘m H$aÊ`mg§~§YrMo nÌ ~±Ho$À`m
eoAg© {d^mJ, ^maV ^dZ, 1360 ewH«$dma noR>, nwUo 411 002 `oWo nmR>dmdo. Ë`mZwgma `mo½` Zm|X H$aUo eŠ` hmoB©b d bm^m§emMr a¸$‘ O‘m H$aVm `oB©b.
7. Amnbr emIm d ImVo H«$. Amnbo g^mgXËd Agboë`m emIog `mnydu H$i{dbm Zgë`mg Ëd[aV H$idmdm åhUOo Amnbm bm^m§e Amnë`m ImË`mV O‘m H$aVm
`oB©b.
8. ~±Ho$À`m nmoQ>{Z`‘ H«$. 48 (iii) AÝd`o Á`m g^mgXm§Zr 31 ‘mM© 2013 dfm©gmR>rMm bm^m§e ñdrH$mabm Zgob Ë`m§Zr {X. 30-11-2017 nydu Z Zoë`mg Ë`m§À`m
bm^m§emMr a¸$‘ amIrd {ZYr‘Ü`o O‘m H$aÊ`mV `oB©b. Á`m g^mgXm§Zm bm^m§e nÌHo$ {‘imbr ZgVrb Ë`m§Zr Ë`m~m~V H¥$n`m Á`m emIoVyZ g^mgXËdmgmR>r AO©
Ho$bm Amho Ë`m emIoH$S>o g§nH©$ H$amdm.
9. eoAa gQ>u{’$Ho$Q> {‘imbr Zgë`mg Vr Amnbo g^mgXËd Agboë`m emIoVyZ KoD$Z OmdrV.

..... 1 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

JANATA SAHAKARI BANK LTD., PUNE

(Multi State Scheduled Bank)
Annual General Meeting Notice
(Only for Members)
The 68th Annual General Meeting of Janata Sahakari Bank Ltd., Pune will be held on Saturday, 19th August 2017 at 3.00 pm
at Progressive Education Society Sabhagruh, Near Modern College of Engineering , Shivajinagar, Pune 411 005 to transact the
following business concerning the Bank. Members are requested to attend the meeting.
Agenda of the meeting :
1) To approve and confirm the minutes of 67th Annual General Meeting which was held on 27th June 2016.
2) To consider and approve the Annual accounts, presented by the board of directors which consist of the Profit and Loss
account, the Balance Sheet, Report of the Statutory Auditors as well as to appropriate Net Profit and declare dividend as
recomanaded by the Board of Directors for the year ended March 31, 2017.
3) To appoint Statutory Auditors for the financial year 2017-2018 and to authorize the Board of Directors to fix their
remuneration. The Board of Directors recommends M/s. Mukund M Chitale & Co., M/s. S.D.Medadkar & Co.,
M/s. Shashank Patki & Associates, Chartered Accountants; for appointment Statutory Auditors jointly.
4) To approve Annual Budget for the financial year 2017-18.
5) To take note of the loans sanctioned in the financial year 2016-17 to Directors of the Bank & their relatives as per the
Sec.39(3) of the Multi-state Co-op.Act,2002.
6) To approve amendments to the existing bye-laws of the Bank as recommended by the Board of Directors.
7) To write off keeping the right of recovery intact of bad and doubtful loan accounts certified by the Statutory Auditors.
8) To consider & approve the proposal of Merger of Janata Urban Co-op.Bank Ltd., Wai with our bank.
9) To approve the proposal of distribution of Donations out of Charitable fund of the bank, to Charitable/Social institutions.
10) To grant leave of absence to the Members of the Bank who are not present in the Annual General Meeting.
11) Any other subject, by the permission of Hon.Chairman.

Jayant Kakatkar
Chief Executive Officer (Officiating)
Date : 21th July, 2017 (By the order of Board of Directors)

Note :
1) If within half an hour after the time appointed for the meeting (i.e.up to 3.30 pm), the quorum is not formed, the meeting shall stand
adjourned & this adjourned meeting shall be held at 3.40 pm. on the same day & venue. The adjourned meeting will not require any
separate notice or quorum.
2) The Annual Report consisting of Profit and Loss accounts, Balance Sheet & the amendments to the bye-laws is displayed on Bank’s
website www.janatabankpune.com
3) The copy of the Annual Report (Ahwal) will be made available in the Bank’s branches from 4th August,2017.
4) If any member desires to see documents in connection with the agenda of this Annual General Meeting, they may approach to the
Secretarial Dept.(HO) from 7th August, 2017.
5) If any member desires to have information in connection with any item of agenda, he/she is requested to address a letter to the Secretarial
Dept. (HO) so as to reach not later than 14th August,2017, so that the required information may be made available at the Annual General
Meeting.
6) Please inform any change in name, address and or nomination and also about details of Bank A/C to enable to credit dividend, to Banks
share Dept. Bharat Bhavan, 1360, Shukrawar Peth, Pune - 411 002.
7) If you have not intimated to credit your dividend to respective branch & bank account, Please inform the same to your branch through
which you become a member.
8) Those members who will not collect their dividend for the year ended 31st March,2013 on or before 30th November 2017, such dividend
will be transfered to Statutory Reserve of the Bank as per Bye-Law No.48 (iii). Those members who have not received the dividend
warrants are requested to collect the same from the original Branch from which the membership application form is submitted.
9) For non-receipt of Share Certificate, Members may enquire at the branch from which the share application is submitted.

..... 2 .....

‘m. lr. g§O` ‘wHw§$X bobo
CnmÜ`j
‘m. lr. OJXre bú‘Uamd H$X‘
‘m. lr. ‘h|Ð ‘hmXod ndma
‘m. lr. am‘Xmg {dR>mo~m qeXo
‘m. lr. {H$emoa H$m§MZbmb ehm
‘m. lr. gwZrb Jw§S>mon§V ‘wVm{bH$
‘m. lr. OJXre bú‘Uamd H$X‘
CnmÜ`j
‘m. grE. lr. gwYra amOmam‘ n§{S>V
‘m. lr. ‘h|Ð ‘hmXod ndma
‘m. lr. am‘Xmg {dR>mo~m qeXo
‘m. lr. {H$emoa H$m§MZbmb ehm
‘m. lr. gwZrb Jw§S>mon§V ‘wVm{bH
‘m. lr. bú‘U A§~wgm ndma
lr. O`§V ‘Zmoha Ho$VH$a (31.08.2016 n`ªV)
à^mar ‘w»` H$m`©H$mar A{YH$mar
gh‘hmì`dñWmnH$
lr. A^` eaX ~mnQ>
lr. OJXre nwéfmoÎm‘ H$í`n
lr. {Xbrn Jwê$^r‘ Hw$bH$Uu
lr. Am{ef lrYa Hw$dioH$a
lr. a‘mH$m§V à^mH$a ~wdm
lr. YZ§O` ‘moaoída {MniyUH$a
lr. g{MZ em§Vmam‘ VmåhUH$a
lr. AO` {gÕoída Hw$bH$Uu
‘o. {H$V©Zo A±S> n§{S>V EbEbnr
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
g§MmbH$ ‘§S>i (2012-2017)
g§MmbH$
‘m. grE. lr. gwYra amOmam‘ n§{S>V
‘m. lr. bú‘U A§~wgm ndma
‘m. gm¡. ^m½`lr gwaoe {MVio
({X.10-09-2014 n`ªV)
‘m. lr. {~ê$ amUy Imo‘Uo
g§MmbH$ ‘§S>i (2017-2022)
g§MmbH$
‘m. lr. {~ê$ amUy Imo‘Uo
‘m. S>m°. gm¡. ‘Ywam ‘wHo$e H$g~oH$a
‘m. lr. {dÚmZ§X e§H$a XodYa
‘m. lr. A{‘V à{dU qeXo
‘m. A°S>. gm¡. AbH$m {dO` noQ>H$a
‘m. grE. lr. ‘mYd am‘H¥$îU ‘mQ>o
H$m`©nmbH$ (EXECUTIVES)
lr. O`§V H$m{eZmW H$mH$VH$a (02.09.2016 nmgyZ)
à^mar ‘w»` H$m`©H$mar A{YH$mar
Cn‘hmì`dñWmnH$
lr. lram‘ {dîUw AmnQ>o
lr. ‘wHw§$X Jmonmi Hw$bH$Uu
lr. YZ§O` ‘YwH$a Xoenm§S>o
lr. AmZ§X dg§V gmohmoZr
ghmæ`H$ ‘hmì`dñWmnH$
lr. amO|Ð {dZm`H$ dV©H$
lr. {dZ` {dO` XwZmIo
lr. AVwb à^mH$a jragmJa
lr. amOrd ^mbM§Ð ~d}
lr. g§Vmof {dÇ>b {hado (g{Md, g§MmbH$ ‘§S>i)
d¡Ym{ZH$ boImnarjH$
‘o. Eg. S>r. ‘oS>XH$a A±S> H§$nZr
..... 3 .....
dm dm{f©H$ Ahdmb
gZ 2016-2017
({X. 23 Owb¡, 2017 n`ªV)
‘m. lr. AaqdX Ho$ed IiXH$a
AÜ`j
‘m. S>m°. gm¡. ‘Ywam ‘wHo$e H$g~oH$a
‘m. lr. AVwb dg§V ~oS>oH$a
‘m. lr. {dO` nwéfmoÎm‘ ^mdo (VÁk g§MmbH$)
‘m. lr. ‘YwgwXZ nX²‘mH$a hS>uH$a
(godH$ à{V{ZYr {X. 24-7-2016 n`ªV)
({X. 24 Owb¡, 2017 nmgyZ)
‘m. lr. g§O` ‘wHw§$X bobo
AÜ`j
‘m. lr. à^mH$a qÌ~H$ nam§Ono
‘m. grE. lr. ‘mohZ e§H$a ’$S>Ho$
‘m. A°S>. gm¡. Jm¡ar àgmX Hw§$^moOH$a
‘m. lr. AaqdX Ho$ed IiXH$a (VÁk g§MmbH$)
‘m. lr. {dO` nwéfmoÎm‘ ^mdo (VÁk g§MmbH$)
Cn‘hmì`dñWmnH$
lr. gw{Zb ‘Zmoha H$m‘V
lr. M§ÐeoIa gXmZ§X gmR>o
lr. `ed§V Zmam`U T>dirH$a
lr. YZ§O` AmZ§X ghó~wÕo
lr. M§ÐeoIa àëhmX à^wUo
lr. {OV|Ð à^mH$a amdoVH$a
lr. lrYa JmoqdX åhgH$a
‘o. eem§H$ nËH$s A±S> Agmo{gEQ>g
 JANATA SAHAKARI BANK LTD., PUNE
Multi State Scheduled Bank
68 dm dm{f©H$ Ahdmb
g§MmbH$ ‘§S>i Ahdmb (Directors Report 2016-2017)
g§MmbH$ _§S>imÀ`m dVrZo gZ 2016-17 `m 68 ì`m Am{W©H$ dfm©Vrb Am{W©H$
H$m_{JarMm Ahdmb Amnë`m g_moa R>odVmZm à{Vdfu à_mUoM `m dfu{h {deof AmZ§X
hmoV Amho.
OmJ{VH$ AW©ì`dñWm :-
OJmÀ`m nmR>rda KS>Umè`m Am{W©H$, gm_m{OH$ d amOH$s` KS>m_moS>rMo nS>gmX ^maVr`
AW©ì`dñWoda H$iV ZH$iV nS>V AgVmV. gZ 2016-17 `m ZwH$Ë`mM g§nboë`m
Am{W©H$ dfm©V OmJ{VH$ nmVirda AZoH$ _hËdnyU© KS>m_moS>r KS>ë`m. Ë`m_Yrb
R>iH$ KS>m_moS>r Aem - MrZÀ`m KmoS>Xm¡S>rbm _mJrb dfm©à_mUoM `§Xmhr bmJbobm
bJm_, `wamo{n`Z Xoem§À`m g_whmVyZ (`wamo{n`Z `w{Z`Z = EU) `wZm`Q>oS> qH$JS>_ -
"`wHo$' Zo ~mhoa nS>Ê`mMm KoVbobm {ZU©` åhUOoM ~«op½PQ>, A_o[aHo$Mr _Ü`dVu ~±H$
"\o$S>ab [aPd©'Zo ZOrH$À`m H$mimV ì`mOXa dmT>r~m~V {Xbobo g§Ho$V, OJmVrb
EH$_od _hmgÎmm åhUyZ AmoiIë`m OmUmè`m A_o[aHo$À`m AÜ`jnXr S>moZmëS> Q´>ån
`m§Mr Pmbobr {ZdS>, AÜ`jnXmMr gwÌo ñdrH$maë`m Z§Va Ë`m§Zr KoVbobo H$mhr YmS>gr
{ZU©` Ë`mMm OJ^amVrb Xoem§Zr KoVbobm YgH$m, Vob CËnmXH$ Xoem§Mr g§KQ>Zm
"AmonoH$' Zo à{V{XZ H$ÀÀ`m VobmMo CËnmXZ H$_r H$aÊ`mg àma§^ Ho$ë`mZo OmJ{VH$
~mOmamV H$ÀÀ`m VobmÀ`m dmTy> bmJboë`m qH$_Vr Am{U {gar`m d BamH$ _Ü`o Mmby
Agboë`m Yw_ûÀMH«$s_wio {Z_m©U Pmbobm {Zdm©{gVm§Mm àý. `m gdmªMm EH${ÌV
{dMma Ho$bm Va 2016 ho df© OmJ{VH$ AW©ì`dñWogmR>r \$mago CËgmhdY©H$ ZìhVo.
OmJ{VH$ AW©ì`dñWm hr H$ÀÀ`m VobmÀ`m qH$_Vrer OmoS>br Jobr Amho. H$ÀÀ`m
VobmÀ`m qH$_Vr _mJrb dfm©V (2015) PnmQ>çmZo Imbr Amë`m Ë`m_wio gdmªÀ`m
qMVoV AmUIr ^a nS>br. OJmVrb gdm©V _moR>m Vob Am`mVXma Xoe AgUmè`m
^maVmbm Ë`mMm Mm§JbmM \$m`Xm Pmbm. "AmonoH$'Zo AmR> dfm©V àW_M {S>g|~a
16 _Ü`o VobmMo CËnmXZ H$_r H$aÊ`mMm {ZU©` KoVbm. OmZodmar nmgyZ à{V{XZ 12
bmI ~°abZo CËnmXZ H$_r H$éZ Vo 3.25 H$moQ>r ~°ab n`ªV Imbr AmUbo. Ë`m_wio
_mJUrÀ`m VwbZoV nwadR>m H$_r Pmë`mZo VobmÀ`m qH$_Vr dmTy> bmJë`m AmhoV.
Vob ~mOmambm _wimnmgyZ hmXa{dUmè`m KQ>Zm AmJm_r H$mimV KS>Ê`mMr eŠ`Vm
ZmH$maVm `oV Zmhr.
^maVr` AW©ì`dñWm
VrZ Mma dfm©À`m à{VjoZ§Va 2016 `m dfm©V g§nyU© XoemV gd©Xÿa Mm§Jbm nmD$g
Pmë`mZo ^maVr` AW©ì`dñWoMr MmHo$ doJmZo {\$aÊ`mMr eŠ`Vm {Z_m©U Pmbr.
`m_wio eoAa ~mOmamMm {ZX}em§H$ C§Mmdbm. H¥$frjoÌmV CËgmhmMo dmVmdaU {Z_m©U
Pmbo. `§Xm ^aKmog nrH$ `oB©b d H¥$frjoÌmÀ`m {dH$mgXambm JVr {_iob Ago
^m{H$V dV©{dÊ`mV Ambo. OmJ{VH$ ~mOmamV \$mago CËgmhr dmVmdaU ZìhVo Var
XoIrb ^maVr` AW©ì`dñWm 7 Q>Š`mnojm OmñV doJmZo {dH${gV hmoB©b Aer eŠ`Vm
AW©Vkm§Zr ì`º$ Ho$br.
`wamo{n`Z `w{Z`Z _YyZ `wHo$ Zo ~mhoa nS>mdo H$s Zmhr `mg§~§Yr `wHo$ _Ü`o OZVoMm
..... 4 .....
dm dm{f©H$ Ahdmb
gZ 2016-2017
The Board of Directors is - as every year - pleased to present to
the shareholders the report on the financial performance of the
bank during the year 2016-17, the bank’s 68 the year.
The World Economy:
Developments in the world on economic, political and social levels
have a direct and indirect impact on India’s economy. The world
witnessed many important developments in the year 2016-17.
Among them are continued stagnation of China’s economy; exit
of United Kindgom from the European Union - Brexit; US Federal
Bank’s indication about a possible rise in the interest rates;
Donald Trump’s election to the office of President of the United
States, the world’s only superpower, his bold announcements
that shook the world; the decision of the OPEC (Organisation of
Petroleum Exporting Countries) to cut exploration of crude oil and
the consequent rise in oil prices and the issue of refugees in the
wake of conflict between Syria and Iraq. If we look at these issues
in the overall perspective, we have to conclude that the year 2016
was not a very encouraging one.
The world economy is closely linked with crude oil prices. The
steep fall in oil prices in the year 2015 was a major cause of
worry across economies. India, which is the world’s largest oil
importer, of course benefitted significantly from the price fall.
However, the OPEC reacted by deciding in December 2016 to
cut down crude production by 12 lakh barrels per day to 3.25
crore barrels per day, leading to an upward correction in global
crude prices thanks to the restricted output. We can not rule out
some further disruptive developments in the coming days in the
global oil sector.
Indian Economy:
The year 2016 came with a new hope for the Indian economy
as the entire country received satisfactory rainfall after a gap
of four years. This led to a jump in the stock market indices
and a feeling of enthusiasm in the agriculture sector. Although
the global economy did not demonstrate any promise the
economists projected a strong 7 per cent growth for the Indian
economy.
The United Kingdom held a referendum on whether its people
wanted the country to continue to be a member of the European

‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
H$m¡b AmO_mdÊ`mV Ambm. {deof åhUOo `oWrb OZVoZo `wamo{n`Z `w{Z`Z _YyZ
`wHo$ Zo ~mhoa nS>mdo Agm H$m¡b {Xbm `m_wio `wamongh OJ^amVrb eoAa ~mOmamV
àM§S> CbWmnmbW Pmbr ^maVmVrb _m{hVr V§ÌkmZ H§$nÝ`m, godm d A{^`m§{ÌH$s
H§$nÝ`m§À`m eoAa _Ü`o _moR>r nS>PS> Pmbr. OJ^amV qMVoMo dmVmdaU ngabo `mMm
{dnarV n[aUm_ ^maVr` AW©ì`dñWoda Pmbm.
^maVr` AW©ì`dñWoMm H$Um AgUmè`m ~±qH$J joÌmgmR>r 2016-2017 ho df©
{ZamemOZH$ Jobo. ~wS>rV H$Om©Mo à_mU dmT>V Mmbë`mZo ~±H$m§Mo EZnrE Mr Q>¸o$dmar
Mm§JbrM \w$Jbr. `mVyZ ~±H$m§Zm ~mhoa H$mT>Ê`mgmR>r H|$Ðr` nmVirda VgoM [aPd©
~±Ho$Zo ~aoM à`ËZ Ho$bo _mÌ `mVyZ gwQ>Ê`mMr eŠ`Vm {Xgbr Zmhr, `m_wio ~±qH$J
joÌ EH$m Xþï>MH«$mV AS>Hy$Z nS>bo. `mVyZ ghH$mar ~±H$m XoIrb dmMë`m ZmhrV. VéU
d YmS>gr {ZU©` KoUmao [aPd© ~±Ho$Mo JìhZ©a lr. aKwam_ amOZ `m§Mm 2016 _Ü`o
JìhZ©a nXmMm H$m`©H$mb g§në`m_wio Ë`m§Mr OmJm lr. D${O©V nQ>ob `m§Zr KoVbr. lr
aKwam_ amOZ `m§Zr gd© ~±H$mZm 31 _mM© 2017 n`©ÝV Vmio~§XmVyZ "EZnrE'bm hÔnma
H$aÊ`mMo AmXoe {Xbobo hmoVo. Zd{Zdm©{MV JìhZ©a lr. D${O©V nQ>ob `m§Zr lr. amOZ
`m§Mo AmXoembm XþOmoam {Xbm.
[aPìh© ~±Ho$Zo AZwHy$b nmdbo CMbyZhr H$Om©bm CR>md Zgë`mZo ~±H$m§Zm Mm§Jbo
H$O©Xma {_i{dÊ`mgmR>r IynM àVrjm H$amdr bmJbr. ~wS>rV H$Om©À`m \$Q>Š`mVyZ
~±H$m gmdaÊ`mMr {MÝho {XgV Zgë`mZo ZdrZ H$O© {dVaU H$aVmZm ~±H$m§Zm IynM
gmdY n{dÌm ¿`mdm bmJbm. EHy$U H$m` Va ~±qH$J {dœmV \$maer CËgmhdY©H$
n[apñWVr {XgyZ Ambr Zmhr.
_m. n§VàYmZ lr. Za|Ð _moXr `m§Zr Zmoìh|~a _Ü`o XoemÀ`m B{VhmgmV Zm|X{dbm OmUmam
ZmoQ>m~§Xr ({ZübZrH$aU) Mm {ZU©` Omhra Ho$bm. ^maVr` MbZmMm _w»` KQ>H$
AgUmè`m nmMeo d hOmamÀ`m ZmoQ>m§Mr H$m`Xoera _mÝ`Vm aÔ H$aÊ`mV Ambr. 50
{Xdg XoemVrb gd© ~±H$m§_Yrb H$_©Mmar dJm©Zo AhmoamÌ H$m_ H$ê$Z hm ZmoQ>m~§XrÀ`m
{ZU©`mMr àË`j A§_b~OmdUr Ho$br Ë`m ~Ôb gdmªMo A{^Z§XZ H$am`bm hdo.
H|$Ð gaH$maÀ`m dVrZo Xoe^amV dñVy d godm H$a (GST) åhUOoM EH$ Xoe EH$
H$a `mMr Xoeì`mnr A§‘b~OmdUr 1 Owb¡ 2017 nmgyZ H$aÊ`mV Ambr. Am{W©H$
ì`mdgm`rH$ _mnX§S>mVrb H$m_{Jardarb VwbZmË_H$ Ñï>rjon -
Key Performance Indicators -
dm dm{f©H$ Ahdmb
gZ 2016-2017
Union. The outcome was momentous as the majority vote in
favour of exit from the EU (Brexit) caused a turmoil across
stock markets across the world. Share prices of companies
operating in sectors such as Information Technology, services
and engineering fell sharply and the world economy came under
a shadow of uncertainty.
The year 2016-17 was a disappointing year for the banking
sector - the backbone of Indian economy. There was a marked
rise in the non-performing assets (NPAs) of Indian banks thanks
to mounting overdue loans. The Reserve Bank of India made
elaborate efforts to help banks come out of the NPA problems
but the situation seems to be far from improving. India’s banks
are now in the vicious circle of NPAs restricting their growth. Dr
Urjit Patel took over the reins of Reserve Bank of India as its
Governor from the outgoing Governor Dr Raghuram Rajan. Dr
Rajan had directed all banks to clean their balance sheets by 31
March 2017 - an approach which Dr Patel carried forward.
Despite the steps taken by the Reserve Bank the long wait
of banks to identify sound lending opportunities continues as
there is very poor demand for credit. On the other hand there
was no hope of the NPA problem getting better anytime soon
and the banks had to adopt the approach of extreme caution
when lending to new clients. Overall, the banking scenario in the
country was not very encouraging.
On the 8th of November 2016, Honourable Prime Minister Mr
Narendra Modi made the historic announcement of demonetising
currency notes of Rs 500 and Rs 1000 denomination and
declaring these notes as not a legal tender. Bank employees
in the entire country worked day and night to implement the
decision of demonetisation and rolling into circulation the new
currency notes. They deserve to be congratulated.
The Central Government is in advanced stape of implementing
Goods And Service Tax (GST) “One Nation One Tax” which is
stated to be a major reform in the financial sector. The likely date
(AmH$S>o H$moQ>rV)
(Figures in Crores)

Sr. No. Particulars 31/03/2015 31/03/2016 31/03/2017

1. ^mJ ^m§S>db Share Capital 161.41 182.26 207.39
2. R>odr Deposits 7069.97 7678.33 8472.36
3. H$O} Loans and Advances 4751.27 5126.72 5691.07
4. Jw§VdUyH$ Investments 2284.36 2582.23 2768.46
5. EHy$U ì`dgm` Total Business 11821.24 12805.05 14163.43
6. à{V godH$ ì`dgm` Per Employee Business 11.58 12.34 11.16
7. IoiVo ^m§S>db Working Funds 7799.69 8526.64 9337.69
8. n[aMmbrV Z\$m Operating Profit *125.04 *130.57 *134.25
9. VaVyXr Provisions 78.53 39.91 105.22
10. {Zìdi Z\$m Net Profit 64.61 64.97 36.11
11. T>mo~i AZwwËnm[XV H$O} Gross NPAs 2.68% 4.54% 8.99%
12. {Zìdi AZwwËnm[XV H$O} Net NPAs 0.95% 2.26% 4.89%
13. ^m§S>db n`m©áVm CRAR 11.64% 13.90% 12.97%

* Includes Provisions, Tax etc.

..... 5 .....
 JANATA SAHAKARI BANK LTD., PUNE
Multi State Scheduled Bank
joÌmVrb hr gdmªV ‘moR>r H$a gwYmaUm åhUmdr bmJob.
^maVmMm 2016-17 `m Am{W©H$ dfm©Mm {dH$mgXa 7.5 Zo 7.7 Q>¸o$ amhrb Agm
A§XmO ZmoQ>m~§XrÀ`m {ZU©`mnydu KoÊ`mV Ambm hmoVm _mÌ ZmoQ>m~§XrMm _moR>m XUH$m
dmhZ CÚmoJ, ~m§YH$m_ ì`dgm`, eoVr, CnhmaJ¥ho, {MÌnQ>J¥ho, {H$amUm XþH$mZXma d
gd© àH$maÀ`m N>moQ>çm ì`mdgm{`H$m§Zm ~gbm `mMm n[aUm_ {dH$mgXa KQ>Ê`mV Pmbm.
dfm© AIoa XoemMm {dH$mgXa 7.1 Q>¸²$`m§da Kgabm. Ago AgyZ XoIrb 2016
_Ü`o ^maVr` AW©ì`dñWm OmJ{VH$ nmVirdarb gdm©{YH$ doJmZo {dH${gV hmoUmar
AW©ì`dñWm R>abr.
^maVr` ñQ>oQ> ~±Ho$À`m (SBI) nmM gh`moJ ~±H$m§Mo ñQ>oQ> ~±Ho$V {d{bZrH$aU H$aÊ`mÀ`m
Eo{Vhm{gH$ {ZU©`mda H|$Ðr` _§{Ì_§S>imZo {e¸$m_moV©~ Ho$bo Ë`m_wio AmJm_rH$mimV
SBI OmJ{VH$ nmVirdarb ~±H$m§er ñnYm© H$ê$ eHo$b. XoemÀ`m ~±qH$J B{VhmgmVrb
hm _hËdmMm {ZU©` åhUmdm bmJob.
2016 _Ü`o OmJ{VH$ VgoM Xoem§VJ©V AW©ì`dñWoV ~aoM MT>CVma Pmbo Var XoIrb
^maVr` AW©ì`dñWm d¥ÕrH$So> dmQ>Mmb H$aVmZm {XgV hmoVr. AmJm_r H$mimV OrEgQ>r
À`m A§_b~OmdUrg àma§^ Pmë`mZ§Va hm d¥ÕrXa dmT>ob Aer eŠ`Vm Amho.
ZmJar ghH$mar ~±H$mg§X^m©V ‘hËdmÀ`m KQ>Zm 2016-17 :-
Xoem§VJ©V ghH$mar ~±qH$J {dœmgmR>r ho df© AmìhmZmË_H$ am{hbo. ZmoQ>m~§XrÀ`m H$mimV
J«mhH$m§Zm Vm|S> XoÊ`mg ghH$mar ~±H$m§Zm Amnbr ~arM eº$s nUmbm bmdmdr bmJbr.
[aPìh© ~±Ho$H$Sy>Z Zì`m ZmoQ>m§Mm ì`dpñWV nwadR>m hmoV ZìhVm Ë`m_wio J«mhH$m§Zm
Ano{jV AgUmar a¸$_ XoUo eŠ` hmoV ZìhVo. ghH$mar ~±H$m§Zm [aPìh© ~±H$ d
amï´>r`rH¥$V ~±H$m§H$Sy>Z {_iUmè`m gmnËZ dmJUwH$s {damoYmV amÁ`mVrb gd©M ghH$mar
~±H$m§Zr EH$Ì `oD$Z AmdmO CR>{dbm. ghH$mar ~±H$m§_Ü`o _moR>çm à_mUmV R>odr O_m
Pmë`m _mÌ Ë`m à_mUmV H$Om©Mo {dVaU Z Pmë`mZo ~±H$m§da ì`mOmMm A{V[aº$ ~moOm
nS>bm.
""EZnrE''Mr XmhH$Vm gd©M ghH$mar ~±H$m§Zm gaË`m dfm©V OmUdbr. H$mhr ~±H$m§Zr
{Z`moOZ~Õ H$m_ H$ê$Z "EZnrE'da {Z`§ÌU R>odÊ`mV `e {_i{dbo _mÌ ~hþVm§e
~±H$m§À`m Vmio~§Xmda "EZnrE' dmT>rMm {dnarV n[aUm_ {XgyZ Ambm. H$Om©bm nm{hOo
Vgm CR>md Zgë`mZo Mm§Jbo H$O©Xma {_i{dÊ`mgmR>r ghH$mar ~±H$m§Zm IwnM n[al_
¿`mdo bmJbo. AmJm_r dfm©V ho {MÌ ~Xbob Aer Amem H$amd`mg haH$V Zmhr.
{ZübZrH$aUmMm Eo{Vhm{gH$ {ZU©` -
ZmoQ>m ~§XrÀ`m `m {ZU©`mMm n[aUm_ ~±H$m§À`m X¡Z{XZ ì`dhmamda Pmbm. {S>g|~a 2016
n`ªV J«mhH$m§Zr Amnë`m ImË`mV n¡em§Mm ^aUm Ho$ë`mZo R>odt_Ü`o _moR>çm à_
mUmda dmT> Pmbr. `m_wio (CASA) R>odr dmT>ë`m _mÌ `m R>odrda ì`mO Úmdo bmJUma
Agë`mZo ~±H$m§nwT>o g_ñ`m C^r am{hbr. R>odtÀ`m {H$_Vr H$_r Pmë`m. `m CbQ> ZmoQ>m
~§Xr_wio N>moQ>o ì`mnmar, ì`mdgm{`H$, bKw CÚmoOH$, ^mOr {dH«o$Vo, Cnhma J¥ho, {MÌnQ>
J¥ho `m§Mm ì`dgm` AS>MUrV Ambm. ~mOma W§S>mdbm Ë`m_wio H$O© {dVaU amoS>mdbo
~±H$m§À`m grS>r aoemo da Ë`mMm {dnarV n[aUm_ Pmbm. H$Om©darb ì`mO ho ~±H$m§Mo
à_wI CËnÞ AgVo Ë`m CËnÞmbm _moR>m \$Q>H$m ~gbm. ZmoQ>m~§XrMm \$Q>H$m H$Om©À`m
JwUdÎmoda Pmbm. W{H$V H$Om©V dmT> Pmbr hr ~m~ ~±Ho$À`m {dH$mgmÀ`m Ñï>rZo
KmVH$M åhUmdr bmJob. W{H$V H$Om©V _w»`V… N>moQ>r H$O©, H° e H«o$S>rQ> d _wXVrÀ`m
H$Om©Mo à_mU A{YH$ Agë`mMo {XgyZ `oVo. ZmoQ>m~§XrÀ`m H$mimV ~±H$mMo gd© bj ho
n¡go XoUo KoUo `mda H|${ÐV Pmë`mZo W{H$V H$Om©Mr dgwbr, "EZnrE'Mo ì`dñWmnZ.
ewëH$ AmYm[aV ì`dgm`mH$So> Xþb©j Pmbo.
OmJ{VH$ nmVirdarb MT>CVma VgoM Xoem§VJ©V KS>m_moS>r ~amo~aM ZmoQ>m~§Xr_wio
XoemÀ`m AW©ì`dñWoVMm d¥ÕrXa Anojonojm H$_r Pmë`mMr H$~wbr Am{W©H$ nmhUr
AhdmbmÛmao XoÊ`mV Ambr. d¥ÕrXa 7.1 Q>¸²$`m§da Kgabm AgyZ _mJrb 3 dfm©Vrb
hm ZrMm§H$s d¥ÕrXa åhUmdm bmJob. ZmoQ>m~§XrMm gdm©{YH$ \$Q>H$m hm ~±qH$J `§ÌUobm
~gbm `m Y¸²$`mVyZ ~±H$m§Zm gmdê$Z nwÝhm gwairV ì`dhma H$aÊ`mgmR>r àVrjm H$amdr
bmJUma Amho.
^mJYmaH$ d ^mJ ^m§S>db :-
_mJrb Am{W©H$ dfm©À`m AIoarg AgUmè`m EHy$U a¸$_ é. 182.26 H$moQ>rMo
..... 6 .....
dm dm{f©H$ Ahdmb
gZ 2016-2017
of Implementation is July 1st,2017.
The estimate of growth rate for Indian economy during 2016-17
was pegged between 7.5 - 7.7 percent before the demonetisation
decision. However, as the decision severely hit businesses
such as automobiles, real estate, agriculture, hospitality,
entertainment, small traders and other professionals, the growth
rate at the end of the year came down to 7.1 percent. Despite
this Indian economy was the world’s fastest growing economy in
the year 2016.
The Government made another historic decision to merge the
associate banks of State Bank of India with the parent State
Bank, creating a banking major that will hopefully be able to
compete with global banking corporations. The capital assets of
the merged entity will be Rs 37 lakh crore whereas the number
of its branches will be 22,500 and the number of its customers
will be larger than 500 million. The decision of merger of all
State Bank arms certainly will go a long way in the history of the
country’s banking sector.
Important events in the field of urban co-operative banks
during 2016-17:
The year 2016-17 was full of challenges for the country’s co-
operative banking sector. Biggest among them was to help
customers in the time of demonetisation, as the supply of new
currency from the Reserve Bank was tardy and the banks could
not dispense the amounts to the customers they wanted to
withdraw. The co-operative banks in the country had to unite
to fight the step-motherly treatment the Reserve Bank and
nationalised commercial banks were meeting out to them.
The co-operative banks collected sums of money they couldn’t
deploy as loans. All co-operative banks had to bear the heat of
NPAs in the year gone by but the balance sheets of most banks
reflected the havoc created by the spurt in the NPAs. The picture
will be better in the coming (current) year.
The historic decision of demonetisation:
The decision to demonetise currency notes of Rs 1000 and Rs
500 hit the day to day working of banks. The customers rushed
to banks with these notes leading to a rise in their CASA (Current
and Savings Accounts) deposits. This was a burden on the banks
as they are liable to pay interest on these deposits. There was
reduction in the cost of deposits for the banks but not being able
to lend and earn interest created a problem. Demonetisation had
an impact on small traders, professionals, small entrepreneurs,
vegetable vendors, hoteliers, cinema houses and many other
businesses. Subdued atmosphere in the market meant that
loans were less in demand and the credit to deposit ratio (CD
Ratio) of the banks turned unfavourable. The interest which the
banks earn on the loans they give is the most important source
of their income. Demonetisation also had an adverse effect on
the quality of advances of banks. The sharp rise in the overdue
loans is a major obstacle in the banks’ progress. As the banks
were tied down to handling the receipt of demonetised notes and
issue of new currency, the functions such as loan recovery, NPA
management or fee based income took a back seat for almost
two months. The government conceded in its annual economic
survey that the country’s growth rate was lower than estimated in
2016-17, due mainly to developments on the global level as well
as within the country including demonetisation. The growth rate
was 7.1 percent - lowest in the last three years. Banking sector
was among the worst hit by demonetisaiton and the banks may
take a long time to get over it and return to normalcy.
Shareholders and Share Capital:
The bank enrolled 4050 new shareholders during the year 2016-

‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
Am{U 1,67,505EdT>çm g^mgX g§IoÀ`m nmœ©^y_rda `m dfu ~±Ho$Mr àJVr
C„oIZr` Amho. `m g§nyU© Am{W©H$ dfm©V 4050 ZdrZ g^mgX OZVm ~±H$ n[admamV
g_m{dï> Pmbo _mM© 2017 AIoa hr a¸$_ é.207.39 H$moQ>r EdT>r Amho. a¸$_
{Zhm` ~±Ho$À`m ^mJ^m§S>db a¸$_oV é. 25.13 H$moQ>rMr {Zìdi dmT> Pmbr Amho.
_mJrb dfuÀ`m VwbZoV hr d¥Õr 13.79 % AmT>iob. `m Am{W©H$ dfm©V ~±Ho$À`m
dVrZo {H$_mZ g^mgXËd a¸$_ é. 2000/- nojm H$_r g^mgXËd a¸$_ AgUmè`m
2177 g^mgXm§H$So> g§nH©$ H$ê$Z Ë`m§MoH$Sy>Z Amdí`H$ ^mJ a¸$_ ^ê$Z KoVbr.
Aem àH$maMm à`ËZ `mhr dfu H$aÊ`mMm ~±Ho$Mm _mZg Amho. gXa à`ËZmg AmnU
gH$mamË_H$ à{VgmX Úmb `mMr ImÌr dmQ>Vo. `m Am{W©H$ dfm©AIoa ~±Ho$Mo EHy$U
^mJYmaH$ 171554 AgyZ a¸$_ é. 207.39 H$moQ>r BVHo$ ^mJ^m§S>db Amho.
R>odr :-
_mJrb Am{W©H$ df© 2015-16 AIoa AgUmè`m ~±Ho$À`m é. 7678.33 H$moQ>r
R>odt_Ü`o `m Am{W©H$ dfm©V é. 794.03 H$moQ>tMr {Zìdi dmT> hmodyZ _mM© 2017
AIoa ~±Ho$À`m EHy$U R>odr `m é. 8472.36 H$moQ>r AmhoV. `mdfuMm R>odrMm d¥ÕrXa
10.34% am{hbm Amho. _mJrb Am{W©H$ dfm©nojm gXa d¥Õr XamV WmoS>r gwYmaUm
Amho. _mÌ ~±H$m§Mo H$_r hmoV OmUmè`m R>od ì`mOXam_wio R>odrXma, J«mhH$m§Zr Ë`m§À`m
H$S>rb R>odr `m ì`mOmÀ`m A{YH$ CËnZmgmR>r AÝ` n`m©` CXm.Aën ~MV `moOZm,
å`wÀ`wAb \§$S²g B._Ü`o Jw§Vm{dë`mMo AmT>iVo. AWm©V ~±H$m§Zrhr EHy$UM H«o$S>rQ>
Am°\$Q>oH$ _Yrb H$_r JVr _wio CnbãY amoI VabVoMm {dMma H$ê$Z R>odr g§H$bZmg
H$_r àmYmÝ` XodyZ ì`mOXa H$_r H$ê$Z IMm©V ~MV H$aÊ`mMo YmoaU R>odbo. Amnbr
~±H$ XoIrb `mg AndmX Zmhr.
D.I.C.G.C :-
~±Ho$Zo {S>nm°{PQ> BÝewaÝg d H«o$S>rQ> J±a§Q>r H$m°nm}aoeZ H$m`Xm 1961 AÝd`o ^amdr
bmJUmar R>odtÀ`m {d_m àr{_`_Mr Amdí`H$ Vr AÚ`mdV a¸$_ ^abr Amho.
~MV Am{U Mmby R>od d¥Õr (Low Cost Deposits /CASA) :-
~±Ho$À`m _mM© 2013 AIoaÀ`m XmoZ dfmªnmgyZ "bmo H$m°ñQ>' (CASA Deposits)
R>odtMo à_mUmV KQ> hmoÊ`mMm AgUmam "Q´>|S>' _mJrb gZ 2015-16 dfu ho à_mU
(18.13 % ) pñWa R>odÊ`mV ~±Ho$g `e {_imbo. _mM© 16 AIoa AgUmè`m é.
1394.28 H$moQ>rÀ`m bmo H$m°ñQ> (CASA Deposits) R>odrV MbZ {ZübrH$aU nyd©
åhUOo {X. 8 Zmoìh|~a 16 AIoan`ªV é. 1523.89 H$moQ>r Pmë`m åhUOo `mV {Zìdi
é. 129 H$moQ>rZo dmT>ë`m (_mM© 16 À`m EHy$U R>odtÀ`m 18.13% À`m VwbZoV {X.
8 Zmoìh|~a AIoa ho CASA à_mU 18.88 % Amho). _mJrb 15-16 `m g§nyU©
Am{W©H$ dfm©V {h dmT> a¸$_ é. 100.21 H$moQ>r AgyZ `m Am{W©H$ dfm©Vrb dmT> é.
383.91 H$moQ>r Amho. `m Am{W©H$ dfu {d{dY Am{U gmVË`nyU© CnH«$_/A{^`mZmÀ`m
_mÜ`_mVyZ `m bmo H$m°ñQ> R>odt_Ü`o (CASA Deposits) dmT> H$aÊ`mMo R>odbobo C{Ôï>
{Z{üV `mo½` _mJm©da Am{U g\$b Pmbo Ago {Z{üV Z_yX H$aVm `oB©b.
AWm©V {X. 8 Zmoìh|~a 16 _Ü`o ^maV gaH$maÀ`m MbZ {ZübZrH$aUmÀ`m Eo{Vhm{gH$
{ZU©`m_wio gd© ~±H$mÀ`m bmo H$m°ñQ> (CASA Deposits) R>odt‘Ü`o Pmboë`m A^yVnyd©
d¥ÕrMm AZw^d qH$dm n[aUm_ Amnë`m ~±Ho$ghr bm^bm Ago AmH$So>dmardê$Z ñnï>
hmoVo.
(AmH$So>dmar é.H$moQ>rV)
R>od àH$ma _mM© 2016 {X.8 Zmoìh|~a {S>g|~a 2016 _mM© 2017
AIoa 16 AIoa AIoa AIoa
~MV R>od 1162.20 1306.81 1542.76 1487.23
Mmby R>od 232.08 217.08 296.05 290.96
bmo H$m°ñQ> (CASA 1394.28 1523.89 1838.81 1778.19
Deposits)
MbZ {ZübZrH$aUmÀ`m nümV 9 Zmoìh|~a 16 Vo _mho {S>g|~a 16 AIoa `m XmoZ
_{hÝ`mnojm H$_r H$mbmdYrV bmo H$m°ñQ> (CASA Deposits) R>odrVrb dmT> {h a¸$_
..... 7 .....
dm dm{f©H$ Ahdmb
gZ 2016-2017
17 and its share capital rose to Rs 207.39 crore. The number of
shareholders went up to 1,71,554. In absolute terms the rise is
Rs 25.13 crore while in percentage term it is 13.79 percent. The
bank ran a campaign during the year to collect from members
the difference between their share capital and Rs 2000 which
is the minimum amount a shareholder must contribute to the
bank’s share capital. The number of such members was 2177.
The bank intends to continue this drive in the current year too
and requests co-operation from all who hold shares worth less
than Rs.2000.
Deposits:
During the year there was a net addition of Rs 794.03 crore in
the deposits which took the total deposits to Rs 8472.36 crore.
This gives a growth rate of 10.34 percent which is marginally
higher than the growth rate in the previous year. It is however
important to note that the customers are turning to other
investment channels such as Small Savings Scheme or Mutual
Funds which offer better returns than bank deposits. The banks
have therefore responded by concentrating on cost reduction
rather than deposit mobilisation to restrict liquidity to match the
low credit offtake. Your bank is no exception to this.
D.I.C.G.C.
The bank has paid the insurance premium in accordance with
the provisions of the Deposit Insurance and Credit Guarantee
Act 1961 to insure the customers’ deposits.
Increase in savings and current deposits ( Low Cost
Deposits /CASA):
The bank had seen a decline in its Low Cost Deposits (CASA)
for two years before the previous year (2015-16). The bank
could halt this decline in 2015-16 and the proportion of these
deposits to total deposits at the end of 2015-16 was 18.13
percent. The CASA deposits of Rs 1394.28 crore at the end of
2015-16 increased (net) by Rs 129 crore totalling to Rs 1523.89
crore on the day prior to the day on which demonetisation was
announced. The proportion of CASA deposits is 18.88 percent
against 18.13 percent on 31 March 2016 (2015-16). The
increase in CASA deposits in the year 2015-16 was Rs 100.21
crore whereas the increase in 2016-17 is Rs 383.91 crore. The
statistics also shows that your bank benefited from the rise in
CASA deposits after demonetisation as did other banks in the
country.
Figures in Rs./crore
Deposit
As of As of 8 As of As of
March November December March
Category
2016 2016 2016 2017
Savings 1162.20 1306.81 1542.76 1487.23
Current 232.08 217.08 296.05 290.96
Low Cost (CASA) 1394.28 1523.89 1838.81 1778.19
In the post demonetisation period, between 9 November 2016
and 31 December 2016, CASA deposits rose by Rs.314.92
crore. This was 21.76 percent of total deposits on 31 December
2016 as compared with 18.13 per cent on 31 March 2016 (2015-
 JANATA SAHAKARI BANK LTD., PUNE
Multi State Scheduled Bank
é. 314.92 H$moQ>r Amho. _mM© 16 À`m EHy$U R>odtÀ`m VwbZoV 18.13% AgUmao
CASA à_mU ho _mho {S>g|~a 16 AIoa 21.76% EdT>o dmT>bo Am{U _mM© 2017
AIoa 20.98% Agë`mMo AmT>iVo. øm nwT>rb Am{W©H$ dfm©V ho CASA R>odtMo
à_mU 25% EdT>o dmT>{dÊ`mMo H$mhrgo AmìhmZmË_H$ C{Xï> {Z{üV Ho$bo Amho Am{U
`m Am{W©H$ dfm©À`m àma§^mnmgyZ _mJrb dfu à_mUoM bú` H|${ÐV à`ËZ H$aÊ`mMo
{Z`moOZ Ho$bo Amho. `mgmR>r _mJrb XmoZ dfm©V Zì`mZo CKS>boë`m 23 emIm {Z{üV
nyaH$ R>aVrb Agm {dœmg Amho.
gZ 2016-17 `m H$mbmdYrV hmo_ goìht½O R>od (Pigmy) `moOZoMm àMma d A{^`mZ
am~{dÊ`mV Ambo. _mJrb dfuÀ`m (2015-16) VwbZoV `m àH$maÀ`m R>odt_Ü`o `m
dfm©V Zì`mZo 5906 ImVr Am{U é.4.57 H$moQ>r a¸$_oMr {Zìdi dmT> hmodyZ _mM© 17
AIoa 12317 ImVr d a¸$_ é. 13.45 H$moQ>r R>odr AmhoV. `m R>odtÀ`m g§H$bZmgmR>r
~±Ho$V _mM© 2017 AIoa EHy$U 94 EO§Q> AgyZ `m dfu emIm§_Ü`o Zì`mZo d ZdrZ
EO§Q> {Z`wº$s _m\©$V hr godm XoÊ`mV Ambr. `m CnH«$_mg ImVoXma Am{U g^mgXm§Zr
CËñ\y$V© à{VgmX {Xbm.
H$O} :-
`m g§nyU© Am{W©H$ dfm©V ~±qH$J ì`dgm`mV H$O© dmT>r_Ü`o AmT>iyZ `oUmar Aën
J{V_mZVm, EHy$UM _§Xr gÑe dmVmdaU Ë`m_wio ì`mdgm{`H$ AWdm CÚmoOH$,
ì`mnmar dJm©Zo ì`mdgm{`H$ qH$dm ^m§S>dbr Jw§VdUwH$sVrb Ho$bobo {Z`§ÌU qH$dm
H$mhrer MmbT>H$b B._wio `m dfu gd© ~±qH$J ì`dgm`mVrb Q´>|S>bm AZwgê$Z
Amnë`mhr ~±Ho$À`m H$O© dmT>rV _mJrb 3-4 dfm©À`m VwbZoV `m dfu Q>¸o$dmar
{Zhm` KQ> AmT>iyZ `oVo Amho. _mJrb dfuÀ`m VwbZoV ~±Ho$Mr H$O} hr a¸$_ {Zhm` é.
564.36 H$moQ>tMr dmT> Am{U Q>¸o$dmar {Zhm` Vr 11% Aer AmT>iyZ `oB©b. ~±Ho$Zo
_mJrb dfuà_mUoM Am{U EHy$UM ~mOmamVrb AgUmar _§XrgÑe n[apñWVr `mMm
{dMma H$ê$Z H$Om©Mr dmT> H$aVmZm Ho$di H$O© a¸$_oMr g§»`mË_H$ d¥ÕrMm {dMma Z
H$aVm H$O© JwUdÎmm d¥Õrg A{YH$ _hËd XoÊ`mV Ambo. `m YmoaUmMmhr n[aUm_ `m
Aën _mÌ gw{Z`§{ÌV H$O© dmT>rV {XgyZ `oV Amho.
~±Ho$À`m ""N>moQ>çm bmoH$m§Mr _moR>r ~±H$'' `m YmoaUmg AZwgê$ZM `m dfu ~±Ho$Zo a¸$_
é. 25 bmI a¸$_ d Ë`mnojm N>moQ>çm a¸$_oÀ`m AË`§V Z\$mj_, H$O© ì`dgm`Ñï²>`m
H$mhrem pñWa Aem Mm§Jë`m H$OmªMm àgma qH$dm dmT> H$aÊ`mMo R>a{dbo hmoVo Ë`m_wio
`m dfuÀ`m é. 564.36 H$moQ>rÀ`m 9% åhUOoM {Zìdi é. 48.13 H$moQ>r dmT> hr
`m N>moQ>çm a¸$_oÀ`m H$Om©VyZ Pmbobr AmT>iob. ~±Ho$À`m EHy$U H$Om©er `m N>moQ>çm
H$OmªMo à_mU ho 19 % EdT>o Amho. AWm©V _mJrb dfu à_mUoM `mhr Am{W©H$ dfm©V
`m N>moQ>çm a¸$_m§À`m H$Om©_Ü`o _moR>r dmT> Am{U Ë`mM~amo~a H|$Ð Am{U amÁ` gaH$ma
`m§À`m {d{dY _oH$ BZ B§{S>`m, ñQ>mQ>© An B§{S>`m, H$m¡eë` {dH$mg, ñd`§amoOJma, bKw
qH$dm _Ü`_ AmH$mamMo CÚmoOH$/ì`mdg{`H$ àmYmÝ` `m YmoaUmg AZwgê$Z é.1 Vo 3
H$moQ>r a¸o$_À`m H$O© àH$aUmZm A{YH$ _hËd XoÊ`mMo R>a{dbo Amho.Ka ~m§YUr joÌmV
gmVË`mZo AgUmè`m _§Xr _wio ~±Ho$Zo J¥h H$O© dmT>rda VgoM ~m§YH$m_ ì`mdgm{`H$
H$O© nwadR>çmda {ZH$fmZwgma Am{U H$miOrnyd©H$ {Z`§ÌU R>odbo Amho. `m XmoÝhr H$O©
àH$mamVrb ~±Ho$Mm AZw^d gmVË`nyU© Mm§Jbm Amho. _mM© 2017 AIoa ~±Ho$Mr H$O}
hr a¸$_ é. 5691.07 H$moQ>r EdT>r Amho.Ahdmb dfm©Vrb EHy$UM H«o$S>rQ> Am°\$Q>oH$
_Yrb KQ> {dMmamV KoVm _mM© 16 AIoa AgUmam 66.70% EdT>m grS>r aoemo _mM©
17 AIoa 67.16% EdT>m am{hbm.
WH$sV Am{U EZ.nr.E H$O© dgwbr Am{U {Z`§ÌU :-
gZ 2016-17 Mo gwédmVrg AZwËnm{XV H$Om©Mr a¸$_ é. 232.56 H$moQ>r hmoVr,
`oWo Zm|X KoÊ`mOmoJr ~m~ åhUOo `mdfu é. 47.12 H$moQ>rMr WH$sV d A{Z`{_V H$O}
dgyb H$aÊ`mV Ambr H$s Á`m_Ü`o é. 1.57 H$moQ>rMr nydu {Zb}IrV Ho$boë`m H$OmªMm
g_mdoe Amho. Am{W©H$ _§XrÀ`m à^mdmImbr _mJrb Am{W©H$ dfm©à_mUoM `mhr dfu
~±qH$J joÌmV gd©M ~±H$m§_Ü`o WH$sV d A{Z`{_V H$Om©Mo à_mU dmT>bobo {XgyZ `oVo.
`m nmœ©^y_rda Amnë`m ~±Ho$À`m AZwËnm{XV H$Om©Mo EHy$U H$Om©er à_mU 8.99 %
d {Zìdi AZwËnm{XV H$Om©Mo à_mU 4.89 % EdT>o Amho.
Jw§VdUyH$ :-
~±Ho$Zo _hmJmB© XamÀ`m KgaUrÀ`m A§XmOmZwgma ~±Ho$Mo Jw§VdUwH$sMo YmoaU {Z{üV
..... 8 .....
dm dm{f©H$ Ahdmb
gZ 2016-2017
16). CASA deposits on 31 March 2017 (2016-17) were 20.98
percent of total deposits. The bank has set for itself an ambitious
target of raising the proportion of CASA deposits to 25 per cent
of total deposits in the current year (2017-18) and is working
towards this target right since the beginning of the year. We trust
that the 23 new branches we opened in the last year will be of
help in achieving this target.
The bank ran a home savings(Pigmy) deposits promotion
campaign during year 2016-17. The number of accounts added
in the year was 5906 and increase in deposits was Rs 4.57
crore. At the end of March 2017 there are 12317 accounts in
this scheme with a deposit base of Rs 13.45 crore. The bank
has 94 agents in the scheme at the end of 2016-17, including
newly appointed ones. Customers as well as shareholders gave
an enthusiastic support to this scheme.
Advances:
The bank’s advances increased by Rs 564.36 crore or 11 percent
during the year. The bank, as it did last year, concentrated on
quality of advances rather than only quantitative increase in
advances in the year. This has brought limited yet qualitative
increase in the bank’s advances.
In keeping with the its strategy of operating as a ‘big bank of
small people’ the bank concentrated on promotion of advances
of below Rs 25 lakh, made to stable and profitable businesses.
The increase in these advances during the year 2016-17 was
Rs 48.13 crore or 9 percent of the overall increase of Rs 564
crore. These small advances amount to 19 percent of the total
advances of the bank as of March 2017. In the current year
too the bank has focused on lending sums of Rs 1 crore to Rs
3 crore to businesses which fall in the purview of the different
schemes of the central and state governments such as Make
in India, Start Up India, Skill Development, Self Employment
and Priority for Small and Medium Enterprises. Considering
the slowdown in hosing & real estate sector, the bank is extra
careful in lending to the borrowers from this sector . The bank’s
performance in these sectors is consistently satisfactory. The
bank’s total advances as of March 2017 were Rs 5691.07 crore.
The bank’s CD Ratio was 67.16 percent as compared with the
CD Ratio of 66.07 percent in the previous year (2015-16).
Overdue loans, NPAs recovery and control:
The bank’s NPAs at the commencement of year 2016-17 was
Rs 232.56 crore. The bank recovered overdue and irregular
loans of Rs 47.12 crore of which Rs 1.57 crore were from the
loans previously written off. The economic slowdown has meant
a rise in overdues in the year under report in this background the
bank’s gross NPAs as a proportion to the total advances is 8.99
percent and net NPAs are 4.89 percent of the total advances.
Investments:
Based on the projected decline in the rate of inflation, the bank
decided its investment strategy and increased its investments
in Statutory Liquidity Ratio investment category by Rs 186.23
crore bringing in an increase of Rs 32.52 crore. This increase
is 7.21 per cent.

‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
H$ê$Z Eg. Eb. Ama. d _wXV R>odrÀ`m Jw§VdUwH$sV é. 186.23 H$moQ>tMr dmT> Ho$br
d n[aUm_ ñdê$n ì`mO CËnÞmV é. 32.52 H$moQ>r EdT>r dmT> Pmbr. Jw§VdUwH$sVrb
hr dmT> 7.21% Amho.
^maVr` AW©ì`dñWoVrb hmobgob _hmJmB© {ZX}em§H$ d J«mhH$ _hmJmB© {ZX}em§H$
`m_Yrb KgaUrMm n[aUm_ åhUyZ [aPìh© ~±Ho$H$Sy>Z aonmo XamV _mho OyZ 2016 amoOr
0.25% d _mho gßQ>|~a 2016 bm 0.50% EdT>r H$nmV H$aÊ`mV Ambr. `m_wio
~±Ho$Zo Jw§VdUyH$ Ho$boë`m H$O©amo»`mÀ`m qH$_Vr_Ü`o dmT> Pmbr. `mMm Am{U `mo½`
nÕVrZo Ho$boë`m Jw§VdUwH$sÀ`m {Z`moOZm_wio ~±Ho$bm H$O©amoIo ì`dhmamVyZ é. 30.48
H$moQ>tMm Z\$m Ahdmb dfm©V Pmbm Amho.
{dXoe {d{Z‘` ì`dhma :-
Amnë`m ~±Ho$g [aPìh© ~±Ho$Zo 3 df© _wXVrMm {Zdmgr d A{Zdmgr ^maVr`m§Zm {dXoe
{d{Z_`mMr gw{dYm XoÊ`mMm Authorised Dealer II XOm©Mm nadmZm {Xbobm Amho.
~±Ho$À`m `m ì`mdhm[aH$ Ñï>`m H$mhrem _`m©{XV gw{dYoMm bm^ {d{dY J«mhH$m§Zr KoVbm
AgyZ Ahdmb dfm©V {d{dY Xoem§À`m MbZ {d{Z_`mnmoQ>r a¸$_ é.3 H$moQ>r nojm OmñV
a¸$_oMo ì`dhma Amnë`m ~±Ho$_m\©$V H$aÊ`mV Ambo AmhoV.Ë`mVyZ a¸$_ é. 1.95
bmI {Zìdi Z\$m Pmbm Amho. `m {dXoe {d{Z_`mMm Authorised Dealer I XOm©Mm
nadmZm àmárgmR>r _hËdnyU© AgUmam 12% nojm ^m§S>db n`m©áVm {ZH$f ~±Ho$Zo _mM©
16 AIoa nyU© Ho$ë`mZo gZ 16-17 `m dfu [aPìh© ~±Ho$H$So> AO© gmXa Ho$bm Amho.
Am{W©H$ df© 2016-2017 AIoa Pmboë`m Zâ`mMr {d^mJUr :-
(a¸$‘ é. H$moQ>r ‘Ü`o)
A.H«$. Vnerb a¸$_
1 {dYr {dhrV J§JmOir 9.03
2 AmH$pñ_H$ {ZYr 3.61
3 e¡j{UH$ {ZYr 0.36
4 bm^m§e 9.15
5 Jw§VdUyH$ MT> CVma {ZYr 1.66
6 g§e{`V d ~wSrV H$O© {ZdmaU {ZYr 12.30
EHy$U 36.11
bm^m§e :-
g§MmbH$ _§S>imZo Ahdmb dfm©gmR>r 5% XamZo (pro-rata) bm^m§e XoÊ`mMr Ho$bobr
{e\$mag Amnë`m _mÝ`VogmR>r R>odbr Amho.
{d{bZrH$aU-Mm¢S>oœar ghH$mar ~±H$ {b.,BMbH$a§Or. `m ~±Ho$Mo
Amnë`m ~±Ho$V {d{bZrH$aU :-
_mJrb AhdmbmV Z_yX Ho$ë`mZwgma ~±Ho$Mr gd© gmYmaU g^m, [aPd© ~±H$ Am{U _m.
H|$Ðr` {Z~§YH$ Zdr {X„r `m§Mo _mÝ`VoZ§Va _m. {Z~§YH$, _hmamï´> amÁ` `m§Zr Ë`m§Mo
{X.01/06/2016 Mo {dbrZrH$aU AmXoemZwgma {X. 4 Owb¡ 2016 amoOr Mm¢So>œar
~±Ho$À`m _w»`H$m`m©b`mgh 9 emIm 1 {dñVmarV H$j Amnë`m ~±Ho$V {d{YdV
{dbr{ZH¥$V Pmë`m. `m ~±Ho$À`m 9 emIm§n¡H$s H$moëhmnya Am{U Jm§YrZJa H$moëhmnya
øm 2 emIm Amnë`m ~±Ho$À`m `m joÌmVrb emIm§À`m n[agamV Agë`mZo Ë`m Amnë`m
{dÚ_mZ emIm§_Ü`o {dbrZ (Merge) Pmë`m Am{U Ë`m ~±Ho$Mr ehmnya emIm {h Ë`mM
~±Ho$À`m OdmhaZJa emIoÀ`m ZOrH$ Agë`mZo Vr OdmhaZJa emIoV {dbrZ Ho$br.
`m {d{bZrH$aUmMm Am¡nMm[aH$ g_ma§^ _hmamï´> amÁ`mMo _hgyb _§Ìr Am{U H$moëhmnya
{OëømMo nmbH$ _§Ìr _m. Zm_Xma lr. M§ÐH$m§VXmXm nmQ>rb Am{U ghH$ma _§Ìr _m.
Zm_Xma lr. gw^mfOr Xoe_wI VgoM BMbH$a§Or ehamMo bmoH${à` Am_Xma _m. lr.
gwaoeOr hmidUH$a `m§À`m à_wI CnpñWVrV g§nÞ Pmbm. `m g_ma§^mg n{ü_
_hmamï´>mVrb AZoH$ _mÝ`da ZoVo, CÚmoOH$, ì`mnmar, ZmJ[aH$, {hVqMVH$ VgoM
Mm¢So>œar ~±Ho$Mo ImVoXma _moR>çm g§»`oZo CnpñWV hmoVo. `m gdmªÀ`m CnpñWVrZo n{ü_
_hmamï´>mVrb J«mhH$m§Mo ~±Ho$àVr AgUmao ào_ Am{U {dœmg ì`º$ Pmbm. `mM
g_ma§^mV ghH$ma _§Ìr _m. Zm_Xma lr. gw^mfOr Xoe_wI `m§Zr Amnë`m ~±Ho$Mo
g^mgXËd KoVbo. Owb¡ 16 nmgyZ `m {dbr{ZH¥$V emIm§Mr àJVr nmhVm, _mJrb
..... 9 .....
dm dm{f©H$ Ahdmb
gZ 2016-2017
The Reserve Bank of India, on the basis of the slide in the
wholesale price index and consumer price index, reduced the
Repo rate by .25 percent in June 2016 and by another .50 per
cent in September 2016. This increased the yield on securities in
which the bank had invested and the bank’s profit from trading in
securities in the year under report was Rs 30.48 crore.
Foreign Exchange business:
Reserve Bank of India has issued a 3-year Authorised Dealer
II license to our bank to offer foreign exchange services to
resident and non-resident Indians. Despite the limited scope of
the services the bank can offer, quite a few customers availed
these services and the volume of foreign exchange transactions
which the bank handled was more than Rs 3 crore during the
year, resulting in a profit of Rs 1.95 lakh. The bank has qualified
for the Authorised Dealer I licence as it fulfilled the 12 per cent
capital adequacy norm at the end of 2015-16 and has applied for
the Authorised Dealer I license during yer 2016-17.
Appropriation of profit for the year 2016-17:
Rs / crore
Sr No. Particulars Amount Rs./Cr
1 Statutory Reserve 9.03
2 Contingency Fund 3.61
3 Education Fund 0.36
4 Dividend 9.15
5 Investment Fluctuapion Reserve 1.66
6 Provision for bad and doubtful debts 12.30
Total 36.11
Dividend:
The Board of Directors recommends a dividend of 5 per cent for
your approval, which will be paid pro rata.
Merger of Choundeshwari Sahakari Bank Limited
Ichalkaranji :
9 branches and 1 extension counter of Choundeshwari Bank
were formally merged with our bank with effect from 4/7/2016.
Kolhapur and Gandhinagar (Kolhapur) branches, were merged
with our existing branches and the Shahapur branch of that
bank was merged with the Jawahar Nagar Branch as a measure
of rationalization. The formal ceremony for the merger took
place in the presence of Mr Chandrakant Dada Patil, Hon’ble
Revenue Minister, Maharashtra and Guardian Minister for
Kolhapur, Mr Subhash Deshmukh, Hon’ble Minister for Co-
Operation, and Mr Sureshji Halwankar, member of legislative
assembly from Ichalkaranji. Many key leaders from Western
Maharashtra, businessmen, traders, citizens and well wishers
and customers of Choundeshwari Bank attended the function in
large number. The function was a testimony to the trust and love
our bank enjoys in customers in Western Maharashtra.
The progress of these branches, as reported in the previous
report is indicative of how their merger with our bank is helping
in increase in bank’s business.
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank
dfu AhdmbmV Z_yX Ho$ë`mà_mUo `m {dbrZrH$aUmMm Amnë`m ~±Ho$À`m ì`dgm` Sr Name of the Total Total
Deposits Advances Deposits Advances
d¥ÕrgmR>r Mm§Jbm \$m`Xm hmoVmZm {XgV Amho. No. branch Business Business
`m {dbr{ZH¥$V emIm§Mm VwbZmË_H$ àJVr Ahdmb nwT>rb à_mUo - On 2 July 2016 (Prior to
On 31 March 2017(end of 2016-17)
merger)
(AmH$So>dmar bmImV)
Ichalkaranji
1 742.18 186.93 929.11 753.84 86.33 840.17
H«$. emIoMo EHw$U EHw$U Main
R>odr H$O© ì`dgm` R>odr H$O©
Zmd ì`dgm` Jawahar Nagar,
2 627.25 97.33 724.58 761.69 102.09 863.78
{X. 2 Owb¡ 16 ({dbrZrH$aU nyd©) {X. 31 _mM© 2017 AIoa Ichalkaranji

1 BMbH$a§ Or 3 Jaisingpur 128.94 28.78 157.72 532.13 47.19 579.32

_w»` emIm 742.18 186.93 929.11 753.84 86.33 840.17

2 Odmha ZJa, 4 Sangli 68.27 38.31 106.58 559.55 154.94 714.49

BMbH$a§Or 627.25 97.33 724.58 761.69 102.09 863.78
3 O`qgJnya 128.94 28.78 157.72 532.13 47.19 579.32 5 Gadhinglaj 19.11 1.23 20.34 1177.25 174.32 1351.57

4 gm§Jbr 68.27 38.31 106.58 559.55 154.94 714.49

6 Karad 161.64 14.48 176.12 1022.71 143.99 1166.70
5 JS>qh½bO 19.11 1.23 20.34 1177.25 174.32 1351.57
6 H$amS> 161.64 14.48 176.12 1022.71 143.99 1166.70 Total 1747.39 367.06 2114.45 4807.17 708.86 5516.03
EHy$U 1747.39 367.06 2114.45 4807.17 708.86 5516.03
(These figures do not include the business of Gandhi Nagar
(`m AmH$So>dmar _Ü`o Jm§YrZJa H$moëhmnya Am{U H$moëhmnya `m emIm§À`m ì`dgm`mMm
g_mdoe Zmhr.) (Kolhapur) branch and Kolhapur branch)
Cnamoº$ àJVr Ahdmb nmhVm, {dbrZrH$aU nümV `m 6 emIm§À`m ì`dgm`mV `m 9 The above statistics shows that there is a net rise of Rs 34.02
_{hÝ`mV a¸$_ é. 34.02 H$moQ>rMr {Zìdi dmT> Pmbobr AmT>iVo. crore in the combined business of these six branches.
~±Ho$À`m H$m`©joÌmVrb dmT> :-
Expansion of area of operations:
Amnë`m ~±Ho$gmR>r H$m`©joÌ åhUyZ g§nyU© _hmamï´> amÁ` Am{U JwOamV amÁ`mVrb
IoS²~«åhm VmbwH$m d IoS²~«åhm VmbwŠ`mÀ`m ^modVmbMm 15 {H$._r.Mm n[aga {Z`wº$ The bank’s area of operations was “entire state of Maharashtra
hmoVm. _mÌ gZ 2016-17 `m Am{W©H$ dfm©V Amnë`m ~±Ho$g _m.[aPd© ~±H$ Am°\$ and an area of 15 km around Khedabramha taluka of Gujarat
B§{S>`m Am{U _m. H|$Ðr` {Z~§YH$, Zdr {X„r `m§Zr g§nyU© _hmamï´> amÁ` Am{U g§nyU© State. During year 2016-17, Reserve Bank of India and the
JwOamV amÁ` Ago H$m`©joÌ Ë`m§Mo {X. 04/11/2016 Mo _§Owar nÌmZo {Z`wº$ H$ê$Z
{Xbo Amho. Ë`mMm n[aUm_ ~±Ho$À`m ì`dgm`d¥ÕrgmR>r {Z{üVM Cn`wº$ R>aob ømV g§e` Central Registrar has revised this to “entire state of Maharashtra
Zmhr. øm {dñVmam_wio ì`dgm`mÀ`m {d{dY Am{U {dnwb g§Yr ~±Ho$g CnbãY hmoVrb. and entire state of Gujarat” as the bank’s area of operations vide
~±Ho$Mm `m Am{W©H$ dfm©Vrb emIm {dñVma :- letter dated 04/11/2016. This decision will undoubtedly help
[aPìh© ~±Ho$Zo dm{f©H$ ì`dgm` {Z`moOZ gZ 14-15 Am{U gZ 15-16 A§VJ©V the bank increase its business as more diverse and attractive
Zì`mZo _§Oya Ho$boë`m 18 emIm Am{U 3 H|$Ðr` g§ñH$aU H|$Ðm n¡H$s _mJrb Am{W©H$ opportunities will be available to the bank. The bank will strive to
dfm©V Zì`mZo gwé H$aÊ`mV Amboë`m 10 emIm§_wio _mM© 2016 AIoa ~±Ho$À`m EHw$U
expand its branch network in these areas after a careful study of
56 emIm + 1 {dñVm[aV H$j Agm {dñVma hmoVm.
select towns in the two states.
`m gZ 2016 -17 `m Am{W©H$ dfm©V Cnamoº$ {dbr{ZH¥$V ~±Ho$À`m 6 emIm gmoSy>Z
Zì`mZo 7 emIm Am{U nwUo Am{U _w§~B© BWo àË`oH$s 1 Aer EHy$U 2 H|$Ðr` g§ñH$aU New Branches Progress :
H|$Ð gwé H$aÊ`mV Ambr.
Date of
`m 7 ZdrZ emIm§Mm Aën H$mbmdYrVrb _mM© 2017 AIoa àJVrMm Ahdmb nwT>rb à_mUo. Sr. No. Name of the branch Deposits Advances Total business
(AmH$S>o bmImV) commencement
1 Ahmednagar 25 May 2016 1700.10 370.34 2070.44
A. emIoMo Zm§d gwê$ Pmë`mMr R>odr H$O} EHy$U
H«$. VmarI ì`dgm` 2 Goregaon, Mumbai 25 May 2016 1233.66 82.79 1316.45

1 Ah_XZJa 25 _o 2016 1700.10 370.34 2070.44 3 Moshi, Pune 27 July 2016 495.59 271.43 767.02

2 JmoaoJmd, _w§~B© 25 _o 2016 1233.66 82.79 1316.45 4 Pen, Raigad 19 August 2016 408.65 105.33 513.98

3 _moer, nwUo 27 Owb¡ 2016 495.59 271.43 767.02 5 Hadapsar, Pune 18 October 2016 870.20 90.79 960.99

4 noU 19 Am°JñQ> 2016 408.65 105.33 513.98 6 Kandivali, Mumbai 17 February 2017 514.79 6.03 520.82

5 hS>nga, nwUo 18 Am°ŠQ>mo~a 2016 870.20 90.79 960.99 Sus-Pashan Rd.,

7 6 March 2017 233.31 0.52 233.83
6 H$m§{Xdbr, _w§~B© 17 \o$~«wdmar 2017 514.79 6.03 520.82 Pune
Total 5456.30 927.23 6383.53
7 gwg nmfmU amoS>, nwUo 6 _mM© 2017 233.31 0.52 233.83
EHy$U 5456.30 927.23 6383.53

..... 10 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
Zì`mZo gwé Pmboë`m `m 7 emIm§Zr EH$ÌrVnUo EHw$U a¸$_ é. 63.83 H$moQ>r én`m§Mm Business Plan 2017-18 (Rs./ Crore)
ì`dgm` Ho$bm. Ë`m_Ü`o é. 54.56 H$moQ>tÀ`m R>odr Va é. 9.27 H$moQ>tMm H$Om©Mm Sr No Particulars Target 2016-17 Actual 2016-17 Target 2017-18
g_mdoe Amho. 1 Share Capital 210.00 207.39 220.00
`m gd© emIm§À`m CXKmQ>Z g_ma§^mgmR>r CnpñWV amhÿZ, Amnë`m ew^hñVo emIm§Mo 2
Reserves and
573.00 651.04 687.39
CXKmQ>Z Am{U emIog Amerdm©X, ew^oÀN>m XoÊ`mgmR>r AmdOy©Z CnpñWV amhUmè`m Provisions
3 Deposits 8500.00 8472.36 9200.00
gd© _mÝ`dam§Mo Am{U {hVqMVH$m§Mo nwZ:Àe EH$Xm _Z:nyd©H$ Am^ma !
4 Investments 2900.00 2768.46 3218.00
[aPìh© ~±Ho$Zo emIm gwé H$aÊ`mg nadmZJr {Xboë`m Am{U nwT>rb Am{W©H$ df©
5 Advances 5800.00 5691.07 6100.00
2017-18 _Ü`o CKS>Ê`mV `oUmè`m emIm nwT>rbà_mUo -
6 Working Funds 9750.00 9337.69 10784.00
1) {~~dodmS>r, nwUo 2) Zèho- Am§~oJmd, nwUo 3) {dlm§VdmS>r, nwUo.
7 Total Income 1008.00 981.05 1023.33
`m gd© emIm `m nwT>rb Am{W©H$ dfm©V åhUOo {S>g|~a 2017 nydu CKS>Ê`mMo
8 Net Profit 66.00 36.11 50.00
{Z`moOZ Ho$bo Amho.
ì`dgm` {Z`moOZ 2017-2018 (AmH$S>o H$moQ>rV ) Technology:
In the present times banking sector has gone beyond the
A. Vnerb 2016-17 31/03/2017 amoOr C{Ôï> traditional functions of accepting deposits and giving loans
H«. Mo C{Ôï> gmÜ` AmH$S>odmar 2017-18 but have followed the strategy of offering many technology
1 ^mJ ^m§S>db 210.00 207.39 220.00 based services which will benefit the customers. Importantly
the number and scope of these technology based services is
2 amIrd {ZYr d VaVwXr 573.00 651.04 687.39 increasing day by day. Our bank has also offered many such
3 R>odr 8500.00 8472.36 9200.00 technology based services for the benefit of its customers and
4 Jw§VdUyH$ 2900.00 2768.46 3218.00 adding to them continually . A comparative study of the bank’s
5 H$O} 5800.00 5691.07 6100.00 customers’ profiles has shown that nearly 56 percent of them
are below the age of 35 years. The bank has started many
6 IoiVo ^m§S>db 9750.00 9337.69 10784.00 technology based services for these customers as well as
7 EHy$U CËnÞ 1008.00 981.05 1023.33 other customers during the year under report. These include
8 {Zìdi Z\$m 66.00 36.11 50.00 introduction of off-site ATMs at Shirwal, Cummins College,
Karve Nagar and Ganga Ves, Kolhapur. The bank has already
V§ÌkmZ :- introduced JSB Easynet, its internet banking service which has
gÜ`mÀ`m H$mimV R>odr ñdrH$maUo d H$O© dmQ>n H$aUo EdT>çm nwaVoM ~±qH$J _`m©{XV Z been a big success in terms of customer response.
amhVm V§ÌkmZmda AmYm[aV {Za{Zamù`m godm J«mhH$m§Zm CnbãY H$ê$Z XoÊ`mMm ~±H$m The bank’s customers can do many online transaction using JSB
à`ËZ H$aV AgVmV. Amnë`m ~±Ho$Zohr Aem AË`mYw{ZH$ V§ÌkmZmZo `wº$ AÚ`mdV Easynet, including shopping, ticket reservations, bill payments
godm J«mhH$m§Zm CnbãY H$ê$Z {Xboë`m AmhoV d Ë`mV gmVË`mZo dmT> hmoV Amho. and funds transfers. The bank has entered into service tie-ups
~±Ho$Vrb {dÚ_mZ ImVoXmam§Mm Vm¡b{ZH$ Aä`mg Ho$bm AgVm, ~±Ho$_Ü`o 56% J«mhH$ with online payment platforms such as PayU Money, SBI ePay
ho d` df} 35À`m AmVrb Agë`mMo AmT>iyZ Ambo Amho. `m VéU J«mhH$ dJm©gh and PayTM. Customers can use these services to make utility
EHy$U gd© J«mhH$m§gmR>r _mJrb Am{W©H$ dfm©à_mUoM `m dfm©V XoIrb AmnU H$mhr payments and do shopping. The bank has offered to its trader
godm Zì`mZo gwé Ho$ë`m AmhoV. Ë`m_Ü`o {eadi d H${_Ýg H$m°boO -H$d}ZJa, J§Jmdog customers the facility of mobile point of sales (MPoS) devices so
H$moëhmnya `oWo Am°\$gmB©Q> E.Q>r.E_. gwé H$aÊ`mV Ambobr AmhoV. JSB EasyNet that they can accept payments by debit or credit cards from their
hr n[anyU© B§Q>aZoQ> ~±qH$J godm J«mhH$m§Zm `mnyduM CnbãY H$ê$Z {Xbobr AgyZ Ë`mg customers. The bank is promoting this service to spread it to as
J«mhH$m§Mm CÎm_ à{VgmX bm^bobm Amho. many customers as possible.

`m gw{dYoÛmao J«mhH$ Am°ZbmB©Z ~wqH$J/em°qnJ H$ê$ eH$VmV VgoM doJdoJi`m
àH$maMr no_|Q> H$ê$ eH$VmV CXm. E_.Eg.B©.~r. {~b no_|Q>, \§$S> Q´>mÝg\$a H$aUo B.
Aem àH$mao no_|Q> H$aUo A{YH$ gmo`rMo ìhmdo åhUyZ ~±Ho$Zo PayU Money, SBI
ePay d PayATM `m§Moer H$ama Ho$bm Amho. J«mhH$ `m gw{dYm§Mm dmna H$ê$Zhr
Utility Bill Payment H$ê$ eH$VmV. ~±Ho$À`m ì`mdgm{`H$ ImVoXmam§Zm Ë`m§À`m
J«mhH$m§H$Sy>Z Debit / Credit Card Ûmao a¸$_ pñdH$maÊ`mgmR>r _mo~mB©b nm°BªQ> Am°\$
gob (Mpos - Swipe Machine) gw{dYm CnbãY H$ê$Z {Xbobr Amho. VgoM `m
gw{dYoMm OmñVrV OmñV àgma H$aÊ`mMm ~±H$ à`ËZ H$aV Amho.
Amnë`m ~±Ho$Mo ISO 27001:2013 d ISO 9001:2008 à_m{UV Am{U AÚ`mdV
Ago So>Q>m g|Q>a BVa ~±H$m§er eoAa H$aV AgyZ Ë`m_Ü`o `mdfu Zì`mZo Mma ~±H$m
gh^mJr Pmë`m AmhoV. ImVoXmam§Zm ñdV…À`m ImË`mMr {e„H$ H$Yrhr H$moR>ohr
g_OÊ`mgmR>r {dZm_yë` Aer Missed Call Alert gw{dYm CnbãY H$ê$Z {Xbr
Amho. ~±Ho$Zo ImVoXmam§Zm Rupay ATM Cum Debit Card CnbãY H$ê$Z {Xbobr
AmhoV. `mnwT>rb ^mJ åhUOo E.Q>r.E_. Mm dmna A{YH$ gwa{jV H$aÊ`mgmR>r EMV
Our bank has established a state of art data centre which has
received ISO 27001:2013 & ISO 9001:2008 certification and
which the bank shares with other banks. Four new banks joined
this sharing arrangement this year. The bank has offered a
‘missed call alert’ facility which enables its customers to know
the balance in their account at any given point in time from
anywhere. The bank has made available to customers RuPay
ATM cum debit cards and has gone a step ahead to offer EMV
chip based RuPay ATM cum debit cards.
The bank has made available to all its customers the NUUP
facility of NPCI. Customers who do not use smartphones can
use *99#81 facility to make balance enquiry, transfer funds and
read mini statement. Customers who want to avail of income tax
relief in respect of TDS can now get print outs of Form 15-G and
Form 15-H directly from the system in all branches of the bank.

..... 11 .....
 JANATA SAHAKARI BANK LTD., PUNE
Multi State Scheduled Bank
Chip-based Rupay ATM Cum Debit Card {dV[aV H$aÊ`mg gwédmV Ho$bobr
Amho.
NPCI _m\©$V gwé H$aÊ`mV Ambobr NUUP gw{dYm gd© J«mhH$m§Zm CnbãY H$ê$Z
{Xbobr Amho. ñ_mQ>© \$moZ dmnaV Zgbobo ImVoXma XoIrb *99#81 gw{dYoMm dmna
H$ê$Z Balance Enquiry, Funds Transfer, Mini Statement `m gma»`m godm§Mm
bm^ KoD$ eH$VmV. Q>r.S>r.Eg. ~m~V Amdí`H$ Ago \$m°_© 15-Or / 15-EM
{gñQ>r_ _YyZ OZaoQ> H$ê$Z qàQ> AmCQ> XoÊ`mMr gmo` ~±Ho$À`m gd© emIm§_YyZ CnbãY
H$ê$Z {Xbobr Amho. `m gw{dYoMm AZoH$ J«mhH$m§Zr bm^ KoVbobm AgyZ Ë`m{df`r
g_mYmZ ì`º$ Ho$bo Amho.
Am{W©H$ df© 2016-17 _Ü`o CnbãY H$ê$Z XoÊ`mV Amboë`m {deof gw{dYm :-
 ~±Ho$À`m _w»` H$MoarVrb {hemo~ (Accounts), g|Q´>bmB©O ~±H$ Am°{\$g gob
(CBOC), EZ.Eg.S>r.Eb. (NSDL) d Jw§VdUwH$ (Treasury) `m {d^mJm§gmR>r
ISO 9001:2008 _mZm§H$Z àmá Pmbo Amho. Ë`mMm Cn`moJ godm JwUdÎmm d¥Õr gmR>r
Pmbobm {XgV Amho.
 Financial Inclusion A§VJ©V Am{U _m. n§VàYmZm§Zr AmdmhZ Ho$ë`mZwgma,
^maVmVrb ~±qH$J godonmgyZ d§{MV Agboë`m bmoH$m§Zm Ë`m§À`m {R>H$mUr OmdyZ
Ë`m§Zm ~±qH$J godm CnbãY H$éZ XoÊ`mMm {deof à`ËZ ~±Ho$Zo ~r.gr. (Business
Correspondent) _mÜ`_mVyZ Am{U TAB BANKING gw{dYoÛmao CnbãY H$ê$Z
{Xbr Amho. `mMm ew^ma§^ _hmamï´>mMo _m. Zm_Xma lr. {Xbrn H$m§~io `m§À`m ew^hñVo
Am{U ~±Ho$À`m bmVya Am{U nmdg emIoÀ`m _mÜ`_mVyZ gwé Ho$bm Amho. `m godog Ë`m
{R>H$mUÀ`m J«m_ñWm§H$Sy>Z Iyn Mm§Jbm à{VgmX {_iV Amho. nwT>rb Am{W©H$ dfm©À`m
gwadmVrg _mho E{àb 17 _Ü`o JS>qh½bO, H$amS> Am{U gm§Jbr `oWrb J«m_rU ^mJmV
Aer gw{dYm CnbãY H$ê$Z {Xbr OmUma Amho.
 `m dfu ~±Ho$g Amnë`m nwUo ehamVrb 19 emIm§_m\©$V nwUo _hmZJa nm{bHo$Mm
{_iH$V H$a g§H$bZ H$aÊ`mMr gwg§Yr {_imbr Amho. `m_wio ~±Ho$g bmoH$_mÝ`Vo
~amo~aM emgZ _mÝ`VoMrhr {deof AmoiI {_imbr AgyZ `m ~amo~aM Amnë`m
~±Ho$À`m emIm AgUmè`m ~¥hÝ_w§~B©, H$moëhmnya, Am¡a§Jm~mX, gmobmnya, Zm{eH$,
Ah_XZJa `mà_wI ehamVrb {_iH$V H$am§À`m g§H$bZmMr g§Yr {_imdr `mgmR>r
~±H$ à`ËZerb Amho.
Am{W©H$ df© 2017-18 _Ü`o CnbãY H$ê$Z XoÊ`mV `oUmè`m {deof gw{dYm :-
1) So>{~Q> H$mS©>Ûmao H$moUË`mhr E.Q>r.E_. dê$Z H$moUË`mhr ~±Ho$À`m ImË`mV a¸$_ O_m
H$aUogmR>rMr gw{dYm.
2) UPI À`m ^r_ A°n _Ü`o OZVm ~±H$ Amho. Zì`mZo OoQ> ZmdmÀ`m A°nÛmao {deof
gw{dYm XoV AmhmoV.
3) ^maV Š`y Ama H$moS> Ûmao H$moUË`mhr H$mS©>Ûmao gd© no_|Q> H$aUo ~m~V
4) B§Q>aZoQ>Ûmao ^maV {~b no_|Q> `m gw{dYoÛmao no_|Q> H$aUo ~m~V
5) emIm§gmR>r Am°Z bmBZ \$s ^aÊ`mMr gw{dYm CnbãY H$éZ XoV AmhmoV.
boImn[ajU :-
boImn[ajU hm H$moUË`mhr ì`dgm`mMm _hËdnyU© Am{U {dÎmr` g§ñWmgmR>r A{d^mÁ`
^mJ Amho. àm_w»`mZo {d{dY {Z`§ÌH$ Am{U J«mhH$ `m§Mo ~±Ho$Mo boIm n[ajU Am{U
Ë`mMr nyV©Vm ho _hËdmMo {ZH$f Pmbo AmhoV. [aPìh© ~±H$ Am°\$ B§{S>`m VgoM ~±Ho$Mo
H$m_H$mO {Z`§{ÌV H$aUmao {d{dY {Z`§ÌH$ `m§Mo doimodoir bmJy hmoUmao {Z`_,
_mJ©Xe©H$ VËdo, gyMZm `m§Mo nmbZ Am{U Ë`m§Mr A§_b~OmdUr `m~m~VMr H$mb~Õ
VnmgUrMo H$m_H$mO ~±Ho$À`m _w»`H$MoarVrb ñdV§Ì boIm n[ajU {d^mJm _m\©$V
Ho$bo OmVo. `m {d^mJm_m\©$V gd© emIm§Mo H$mb~Õ d gmVË`nyU© H§$H$a§Q>, H«o$S>rQ>,
ñZ°n, ñQ>m°H$, {gñQ>r_ B. Am°{S>Q> Am{U _w»`H$MoarVrb AÝ` {d^mJm§Mo {gñQ>r_ d
EŠñn|{S>Ma Am°{S>Q> ho {d^mJmVrb AZw^dr A{YH$m-`m§Ûmao H$ê$Z H$m_H$mOmVrb
ÌyQ>r/{ZarjUo Am{U Ë`mMo nyV©Vm Ahdmb ho _m. g§MmbH$ _§S>imÀ`m boImn[ajU
g{_Vr g_moa doimodoir R>odÊ`mV `oVmV. ~±Ho$_Ü`o Am°{S>Q> ŠbmoOa Mr H$m`©nÕVr
..... 12 .....
dm dm{f©H$ Ahdmb
gZ 2016-2017
The customers have welcomed this facility wholeheartedly and
are happy about it.
Special services introduced during the year 2016-17 :
1. Four departments in the bank’s head office - Accounts,
Centralised Back Office Cell(CBOC), NSDL and Treasury -
have received ISO 9001:2008 certification. This has helped to
improve the quality of service to customers.
2. As a response to the appeal of financial inclusion from
Hon’ble Prime Minister, the bank has introduced Business
Correspondent (BCs) and Tab Banking to offer banking services
to the people in unbanked area at their doorstep. The service
was inaugurated by Hon’ble Maharashtra Minister Mr. Dilip
Kamble. It is available at Latur and Pawas branches of the bank
and has received encouraging response. The service will be
made available from month of April 2017 in the rural areas of
Gadhinglaj, Karad and Sangli.
3. Pune Municipal Corporation has identified 19 branches of the
bank in Pune city to collect property tax of the corporation. This
marks a special recognition of the bank from the government
as well as the citizens and the bank is making an effort to get
similar facility to collect property taxes in cities such as Mumbai,
Kolhapur, Aurangabad, Solapur, Nashik and Ahmednagar.
Special services to be made available in year 2017-18:
1. Using debit card at any ATM to transfer money to any bank
account
2. Janata Bank is at present available in BHIM app. Additonally
we will offer facility to use the new Jet app
3. Making payment by any card using Bharat QR code.
4. Use of Bharat Bill Payment facility through internet banking.
5. Facility to deposit fees online through the bank’s branches.
Audit :
Audit and compliance of audit queries have become very
important aspects for regulatory bodies. A separate audit
department in the bank’s head office monitors the work of
periodic inspection and compliance, rules, guidelines and
regulatory requirements of different official bodies that regulate
the functioning of banks. This department conducts continuous
and time bound concurrent, credit, snap as well as systems
audit of the bank’s branches and systems and expenditure audit
of departments in head office.
The bank’s statutory audit for the year 2016-17 has been done
by M/S Shashank Patki & Associates, M/S Kirtane Pandit and
M/S S. D. Medadkar & Associates. Reserve Bank of India
conducted inspection of the bank for year 2015-16 in the month
of August 2016. The bank has filed the compliances report on
this inspection to Reserve Bank in time. Audit of the bank’s
department offering depository services and life and general
insurance is conducted by the respective regulators viz. SEBI
and IRDA. The bank complies with the observations in these
audits within the stipulated time limit.

‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
ApñVËdmV AgyZ Ë`m_wio ~±Ho$Mo H$m_H$mO A{YH$ H$miOrnyd©H$ hmoÊ`mg _XV hmoVo.
gZ 2016-17 `m H$mbmdYrMo d¡Ym{ZH$ boImn[ajU _o. eem§H$ nËH$s A°ÝS> Agmo.,
_o. H$sV©Zo n§{S>V Am{U _o.Eg.S>r. _oS>XH$a A°ÝS> Agmo.`m§Mo Ûmao nyU© H$aÊ`mV Ambo
Amho. VgoM `m Ahdmb dfm©V _mho Am°JñQ> 2016 _Ü`oM [aPìh© ~±H$ Am°\$ B§{S>`m
`m§Mo H$Sy>Z gZ 15-16 `m H$mbmdYrgmR>r ~±Ho$Mr VnmgUr H$aÊ`mV Ambr AgyZ
Ë`mdoir gmXa Ho$boë`m boImnarjUmMm nyV©Vm Ahdmb hm {Z`mo{OV doioV [aPìh©
~±Ho$g gmXa Ho$bm Amho. Ë`mM à_mUo ~±Ho$_m\©$V godm XoV Agboë`m Am`w{d©_m Am{U
gd©gmYmaU {d_m `moOZmMo H$m_H$mO VgoM EZ.Eg.S>r.Eb `m {d^mJmMo Am°{S>Q> ho
go~r Am{U Am`.Ama. S>r.E. `m g§~§{YV {Z`§ÌH$m_m\©$V H$aÊ`mV `oVo Am{U Ë`mMo
nyV©Vm Ahdmb ~±H$ doioV gmXa H$arV AgVo.
A°ÝQ>r ‘Zr bm°ÝS>atJ gob :-
[aPìh© ~±H$ Am°\$ B§{S>`mZo A°ÝQ>r _Zr bm°ÊS>[a¨J d H$m°å~°qQ>J \$m`ZmÝgtJ Q>oa[añQ>
A°ŠQ>rpìhQ>rO ~m~V nm[aV Ho$boë`m _mJ©Xe©H$ VËdm§Mr n[aUm_H$maH$ A§_b~OmdUr
H$aÊ`mgmR>r àm_w»`mZo A°ÝQ>r _Zr bm°ÝS>atJ gobMr ñWmnZm H$aÊ`mV Ambr Amho.
‘mZd g§gmYZ {dH$mg :-
~±Ho$À`m godH$m§Mo kmZ d H$m¡eë` d¥qÕJV d AÚ`mdV R>odUogmR>r ~±Ho$Mo à{ejU H|$Ð
Zoh_rM H$m`©aV Amho. à{ejU H|$Ðm_Ü`o AË`mYw{ZH$ àmoOoŠQ>agh WoQ> _w»` H$Moar
d emIm§Zm ÑH$lmì` nÕVrZo OmoS>Umè`m pìhS>rAmo H$m°Ý\$apÝg§JMr `§ÌUm `m Am{W©H$
dfm©V H$m`m©pÝdV Ho$br Amho. `m à{ejU H|$ÐmÀ`m à_wInXr ~±qH$J joÌmVrb AZw^dr
d VÁk A{YH$mè`mMr Zo_UyH$ H$aÊ`mV Ambr Amho. `m à{ejU H|$ÐmÛmao Ho$di
~±Ho$À`mM godH$m§Zm Zmhr Va _hmamï´>mVrb AÝ` ZmJar ghH$mar ~±Ho$Vrb godH$m§Zm
à{ejU {Xbo OmVo. Ahdmb dfm©V à{ejU H|$ÐmÛmao Amnë`m ~±Ho$gmR>r 27 d AÝ`
~±Ho$gmR>r 33 Ago EHy$U 60 à{ejU H$m`©H«$_ Am`mo{OV H$aÊ`mV Ambo hmoVo. `m
à{ejU H$m`©H«$_m§gmR>r AZwH«$_o 903 d 1398 godH$ EHw$U 2301 godH$ CnpñWV
hmoVo. ~±Ho$À`m 17 d[að> d CƒñVar` A{YH$mè`mZm H$m°boO Am°\$ A°J«rH$ëMab ~±qH$J
- [aPìh© ~±H$ Am°\$ B§{S>`m, B§{S>`Z ~±Šg Agmo{gEeZ, Z°\$H$~, Am`S>rAma~rQ>r,
_amR>m Moå~a Am°\$ H$m°_g©, AgmoMo_ B. amï´>r` nmVirda H$m_ H$aUm-`m à_wI
g§ñWm_Ü`o à{ejU XoÊ`mV Ambo. à{ejU H$m`©H«$_mMr ì`már dmT>{dUogmR>r à{ejU
H|$ÐmÛmao Am°ZbmBZ à{ejU d narjm hr A{^Zd nÕVr gwé Ho$br Amho. `m_Ü`o àW_
godH$m§Zm Ë`m§Mo g§JUH$mda ~±qH$J {df`r dmMZ gm{hË` nmR>{dbo OmVo. Ë`mZ§Va 15
{Xdgm§Zr godH$m§Zm Ë`m§Mo emIoV g§JUH$mda Am°ZbmBZ narjm XoVm `oVo. Ahdmb
dfm©V 818 godH$m§Zr `m Am°ZbmBZ narjoV gh^mJ KoVbm Amho.
Am¡Úmo{JH$ g§~§Y :-
H$moUË`mhr g§ñWoV H$_©Mmar hm Ë`m g§ñWoMm H$Um AgVmo. ~±Ho$À`m ì`dgm` d¥Õr_Ü`o
gd© godH$m§Mm _hËdnyU© gh^mJ Am{U godH$m§Mr g§KQ>Zm `m§Mr H$m`_ gH$mamË_H$
^y{_H$m am{hbr Amho. `m Ahdmb dfm©V godH$, godH$ g§KQ>Zm Am{U ì`dñWmnZ
`m§À`mVrb g§~§Y ho gm¡Xmh©nyU© d ghH$m`m©Mo a{hbo. `m {Z{_ÎmmZo _r Am{U g§MmbH$
_§S>imVrb _mPo gd© ghH$mar ho ~±Ho$Mo gd© godH$ Am{U godH$ g§KQ>Zm `m§Mo Am^ma
ì`º$ H$aVmo.
H$m°nm}aoQ> JìhZ©Ýg :-
Ahdmb dfm©V ~±Ho$À`m g§MmbH$ _§S>imVrb 13 g§MmbH$m§_m\©$V ì`dgm` ì`dñWmnZ
Am{U {Z`§ÌUmMo H$m_H$mO Ho$bo OmV Amho. ho gd© g§MmbH$ ~±qH$J ì`dgm`mVrb
àñWm{nV _mJ©Xe©H$ VËdo, H$V©ì`o Cƒ {ZVr{Z`_m§Mo nmbZ d {d{dY {Z`§ÌH$ Am{U
[aPìh© ~±H$ `m§À`m doimodoir XoÊ`mV `oUmè`m {ZH$f, {ZX}e Am{U {Z`_mZwgma nyV©Vm
Am{U ~±Ho$Mo g§MmbZ H$arV AmhoV. _ëQ>rñQ>oQ> H$m° Am°n gmogm`Q>r A°ŠQ> 2002 AÝd`o
g§MmbH$m§À`m 1) boImn[ajU d dgwbr g{_Vr 2) H$O} d Jw§VdUyH$ g{_Vr 3) godH$
g{_Vr Am{U 4) H$m`©H$mar g{_Vr Aem 4 g{_Ë`m ñWm{nV Ho$ë`m AgyZ `m g{_
Ë`m§V©JV hmoUm-`m H$m_H$mOmMo d¥Vm§V ho doimodoir g§MmbH$ _§S>imnwT>o R>odyZ Ë`mg
_mÝ`Vm KoVbr OmVo. Ahdmb dfm©V ~±Ho$À`m Cnamoº$ {d{dY g{_Ë`m§À`m EHy$U 48
ñnoeb EpŠPŠ`w{Q>ìh H${_Q>r g^m Pmë`m AgyZ g§MmbH$ _§S>imÀ`m EHy$U 18 g^m
Pmë`m AmhoV. `m g^m§Zm H$m`ÚmZwgma Amdí`H$ Aem gd© g§MmbH$m§Mr CnpñWVr
..... 13 .....
dm dm{f©H$ Ahdmb
gZ 2016-2017
Anti- money laundering cell:
The bank has set up a special anti- money laundering cell to
effectively monitor and trace money laundering and financing of
terrorist activities.
Human Resource Development:
The bank’s training centre is continuously engaged in upgrading
and refreshing knowledge and skills of the employees. The
bank has commissioned this year a video conference set up
in its training centre that connects with the head office and all
branches in audio-visual format. The training centre is headed
by an officer with strong expertise and long experience in
banking sector. Our bank, which understands co-operation in
its true sense, offers training in this training center to not only
our own staff but also to the staff of other urban co-operative
banks in Maharashtra. The training centre organised 60
training programmes including 27 for our bank and 33 for other
banks during the year under report. The training programmes
benefited 2301 employees including 903 from our bank and
1398 from other banks. The bank deputed 17 of its senior
officials for training in premier training institutions such as
College of Agricultural Banking of Reserve Bank of India, Indian
Banks Association, Nafcub, IDRBT and other institutions such
as Mahratta Chamber of Commerce Industry and Agriculture
and Assochem. The training centre, in its effort to extend the
coverage of training, has initiated a system of online training
and examinations. The employees receive online the study
material about banking. The employees study the material for
15 days and appear for an on-line examination. The system is
gaining wider acceptance among employees as 818 employees
appearped the online examination in the year 2016-17.
Industrial Relations:
Employees are the backbone of any business organisation. The
bank’s employees and the employees’ organisation have always
demonstrated a positive attitude. Relations between employees
and management were friendly and cordial during the year. I
take this opportunity to express my gratitude to the employees
and the employees’s organisation.
Corporate Governance :
The bank’s operations in the year under report are managed
and controlled by the 13-member board of directors and an
expert director. The directors follow meticulously the established
principles of management and highest standards as apply to
banking business and comply with the parameters, rules and
directives set by the Reserve Bank of India. The bank has
set up four committees of the board of directors as provided
in the Multi-State Co-operative Societies Act 2002. They are;
Audit and Recovery Committee, Advances and investments
Committee, Staff Committee and Executive Committee. Reports
about the functioning of these committees are presented to
the board of directors from time to time for approval. These
committees together held 48 meetings in the year under report
whereas the board of directors met 18 times. All these meetings
had the requisite quorum as per law and all the directors actively
 JANATA SAHAKARI BANK LTD., PUNE
Multi State Scheduled Bank
hmoVr Am{U Ë`mV gd© g§MmbH$m§Mm gH«$s` gh^mJ hmoVm.
nmoQ>{Z`‘mVrb àñVm{dV XwéñË`m :-
_mZZr` g§MmbH$m§Mr H$moUË`mhr H$maUmZo OmJm [aº$ Pmë`mg Ë`m [aº$ OmJr Zì`mZo
g§MmbH$mMr {Z`wº$s H$aÊ`mgmR>r ~±Ho$À`m nmoQ>{Z`_mV XþéñVrMm àñVmd g§MmbH$
_§S>imZo dm{f©H$ gd©gmYmaU g^oÀ`m _mÝ`VogmR>r R>odbm Amho,
gm‘{OH$ CÎmaXm{`Ëd :-
Ahdmb df© 2016-17 `m H$mbmdYrV ~±Ho$À`m dVrZo nmÌ 12 Y_m©Xm` g§ñWmZm a¸$_
é. 27 bmI EdT>o AW© ghmæ` H$aÊ`mV Ambo.
nwañH$ma d gÝ‘mZ :-
à{Vdfu à_mUoM `m Am{W©H$ dfm©V XoIrb nwañH$ma àmárÀ`m ~m~VrV ~±Ho$g bjUr`
`e bm^bo Amho.
é. 5000 H$moQ>rnojm OmñV R>odr AgUmè`m ghH$mar ~±H$m§À`m loUr_Ü`o CËH¥$ð> H$m_
{JargmR>r XoÊ`mV `oUmam gZ 2016 gmR>rMm "~±H$mo nwañH$ma' d EZ.nr.gr.Am`.`m§Mo
H$Sy>Z ""~oñQ> Q>oŠZm°bm°Or Båßbr_|Q>oeZ'' _hmamï´> ^yfU Am{U Amnë`m ~±Ho$Mo
gÝ_mZZr` ImVoXma _m. lr. {dO` ^Q>H$a Am{U _m. ghH$ma Am`wº$ lr. M§ÐH$m§V
Xidr, Am`.E.Eg. `m§À`m ew^hñVo àXmZ H$aÊ`mV Ambm. Ë`mM à_mUo {X _hmamï´>
ñQ>oQ> H$m°-Am°naoQ>rìh ~±Šg {b._w§~B© `m§MoH$Sy>Z 2016 gmR>rMm H¡$. nÙ^yfU dg§VXmXm
nmQ>rb CËH¥$ð> ZmJar ghH$mar ~±H$ nwañH$ma X¡{ZH$ bmoH$gÎmmMo g§nmXH$ _m. lr. {Jare
Hw$~oa Am{U _hmamï´> amÁ`mMo _mOr _w»`_§Ìr _m. n¥ÏdramOOr MìhmU `m§À`m ew^hñVo
_w§~B© `oWo àXmZ H$aÊ`mV Ambm. VgoM E.~r.nr._mPm nwañH¥$V Am{U ~±qH$J {\$ZmpÝe`b
gpìh©gog A°ÝS> BÝewaÝg A°dm°S©> A§VJ©V ""~oñQ> H$m°-Am°naoQ>rìh ~±H$'' åhUyZ nwañH$ma
àmá Pmbm. nwañH$ma {dV[aV H$aUmè`m `m gd© g§ñWmMo _Z…nyd©H$ Am^ma.
Am^ma :-
gd©àW_ Á`m§À`m AW©nyU©, ^¸$_ Am{U {ZñdmWu nmqR>ã`m_wioM ~±Ho$g EdT>r
ì`mdgm{`H$ àJVr H$aVm Ambr Vo AmnU gd© ^mJYmaH$, R>odrXma, H$O©Xma, J«mhH$
Am{U {hVqMVH$m§Mo _Z:nyd©H$ Am^ma ì`º$ H$aVmo. Ahdmb dfm©V ~±Ho$Mo g§MmbZ
H$arV AgVmZm, ~±Ho$Mo AZoH$ {dYmZ g„mJma, Am{H©$Q>oŠQ>, n°Zb darb ìh°ë`yAa,
H$m°ÝQ´>°ŠQ>a, MmQ>©S©> AH$mD$§Q> `m§Mo doimodoir ~hþ_mob ghH$m`© Am{U _mJ©Xe©Zm~Ôb
Am^ma. ~±Ho$Mo d¡Ym{ZH$ boImn[ajU H$aUmao _o. eem§H$ nËH$s A°ÝS> Agmo., _o.
H$sV©Zo n§{S>V Am{U _o.Eg.S>r. _oS>VH$a A°ÝS> Agmo.`m§Mo Am{U Ë`mÀ`m gd© ghH$m-
`m§Mo Am^ma _mZVmo. VgoM `m Am{W©H$ dfm©V ZdrZ emIm gwé H$aVmZm ghH$m`©
H$aUm-`m gd© J«m_n§Mm`Vr, ZJanm{bH$m Am{U _hmZJanm{bH$m d Ë`m§Mo A{YH$mar
`m§Mo _Z:nyd©H$ Am^ma. ~±Ho$g doimodoir _mJ©Xe©Z,gyMZm Am{U ghH$m`© H$aUmar
[aPìh© ~±H$ Am°\$ B§{S>`m Am{U VoWrb A{YH$mar, _m.H|$Ðr` {Z~§YH$ H$m`m©b` Am{U
VoWrb A{YH$mar VgoM _m. ghH$ma Am`wº$ d {Z~§YH$ _hmamï´> amÁ` Am{U Ë`m§Mo gd©
ghH$mar `m§Mo gd© g§MmbH$ _§S>imÀ`m dVrZo _Z:nyd©H$ Am^ma. `m{edm` BVa AZoH$
ì`º$s Am{U g§ñWm `m§Zr doimodoir Ho$boë`m ~hþ_mob ghmH$m`m©~Ôb Am^ma. Cnamoº$
gdmªMo ~±Ho$Mo gd© g§MmbH$ _§S>i gX¡d F$Ur Amho d amhrb.
AaqdX Ho$ed IiXH$a
AÜ`j
..... 14 .....
dm dm{f©H$ Ahdmb
gZ 2016-2017
participates in the business transacted in the meetings.
Amendments to by-laws:
The board of directors has submitted for approval of the meeting
a resolution to amend the by-law regarding appointing new
director/s to fill the vacancy/vacancies in the board of directors
created for whatever reason.
Social Responsibility:
The bank extended financial assistance of Rs 27 lakh to 12
voluntary charitable organisations during the year 2016-17.
Awards and honours:
The bank was honoured during the year with multiple awards
and honours in the year under report. The bank was the
recipient of Banco Award for year 2016 (given to a bank in the
“more than Rs 5000 crore deposits” category) as well as Best
Technology Implementation award of NPCI which were received
at the hands of computer scientist and the bank’s respectable
customer Dr Vijay Bhatkar and Mr Chandrakant Dalvi IAS, the
commissioner for co-operation, Maharashtra State. The bank
also bagged the “Late Vasantdada Patil best urban co-operative
bank award” for 2016 which was received at the hands of former
Maharashtra Chief Minister Mr Prithviraj Chavan in the presence
of Mr Girish Kuber, Editor of renowned Marathi daily Loksatta
at a function in Mumbai. “Best Co-operative Bank” award in the
Banking Financial Services and Insurance services category of
awards instituted by ABP Majha also came to our bank. The
bank is grateful to all the organisations which selected it for the
different awards.
Thanks
At the outset our heartfelt thanks to all shareholders, depositors,
borrowers, customers and well-wishers whose strong and
meaningful support helped the bank achieve such spectacular
progress in its business. We also thank the bank’s legal
advisors, architects, panel valuers, contractors and chartered
accountants who offered valuable guidance and co-operation
from time to time. We thanks the bank’s statutory auditors M/S
Shashank Patki & Associates, M/S Kirtane Pandit and M/S S.
D. Medadkar & Associates and their staff. Also thanks to the
local bodies such as Gram Panchayats, Municipal Councils and
Municipal Corporations who extended support and co-operation
when the bank opened news branches in their jurisdiction. Our
thanks are due to the Reserve Bank of India and its officials,
officials in the office of the central registrar of co-operation as
well as the state commissioner for co-operation and the registrar
of co-operation, Maharashtra. Thanks also to the countless
people and organisations who made valuable contribution to the
bank’s success. The board of directors of the bank will remain
indebted to all of them for ever.
Aravind Keshav Khaladkar
Chairman

‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
~±Ho$Mo Zm§d
_w»` H$m`m©b`mMm nÎmm
Zm|XUr H«$_m§H$ d {XZm§H$
[aPd© ~±Ho$Mm nadmZm H«$_m§H$ d {X.
_ëQ>rñQ>oQ> a{OñQ´>oeZ H«$_m§H$
A{YH$ma joÌ
_w»` H$m`m©b`mgh emIm{dñVma
g^mgXËd
dm dm{f©H$ Ahdmb
gZ 2016-2017
n[a{eï> - A
: OZVm ghH$mar ~±H$ {b.,nwUo (_ëQ>rñQ>oQ> eoS>çþëS> ~±H$)
: 1444, ewH«$dma noR>, Wmoabo ~mOramd añVm, nwUo 411002.
: H«$.13184/1949 {XZm§H$ 18.10.1949
: `w~rS>r/E_EM/414 {X.17.11.1984
: E_EggrEg/grAma/509/2012
: g§nyU© _hmamï´> amÁ` d JwOamV amÁ`
: 69 + 2 {dñVm[aV H$j
: {Z`{_V 171554
Zm__mÌ 11635

~±Ho$Mr Am{W©H$ pñWVr

{XZm§H$ 31 _mM©, 2017 AIoa
(g§»`m hOmam§V)
dgyb ^mJ ^m§S>db : 2073958

amIrd {ZYr : 6510413

R>odr : ~MV 14872397
Mmby 2909593
_wXV 66248562
BVa 693107

H$O© : gwa{jV 53897158

Agwa{jV 3013621

Jw§VdUyH$ : {Oëhm _Ü`dVu ghH$mar ~±H$ 211503

_hmamï´> amÁ` ghH$mar ~±H$ 10464
BVa 34317578

Z\$m : 51
IoiVo ^m§S>db : 93376893
AJ«H«$_ joÌ Q>¸o$dmar : 41.10%
Xw~©b KQ>H$ Q>¸o$dmar : 4.32%
WH$~mH$s Q>¸o$dmar : 7.30%
d¡Ym{ZH$ boImn[ajU dJ© : ‘A’
godH$ g§»`m : A{YH$mar 461
BVa 808

..... 15 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

Janata Sahakari Bank Ltd.,Pune (Multi State Scheduled Bank) Balance Sheet as on 31st March,2017
As on As on
Capital & Liabilities
31st March, 2016 SCH 31st March,2017
Rs. Ps. ^m§S>db d XoUo Rs. Ps.

1) Share Capital (^mJ ^m§S>db) A

500,00,00,000.00 (A) Authorised Share Capital/A{YH¥$V ^mJ^m§S>db 500,00,00,000.00
182,26,42,400.00 (B) Subscribed & Paid up Share Capital 207,39,58,500.00
dgyb Pmbobo ^mJ ^m§S>db
486,06,75,761.43 2) Reserve Fund and Other Reserves B 651,04,13,495.70
{d{Y{d{hV J§JmOir d BVa {ZYr
0.00 3) Principal/Subsidiary State Partnership Fund Account/ 0.00
^mJ ^m§S>db/emgZmMr à_wI AWdm ghmæ`H$mar ^mJrXmar {ZYr
7678,32,99,833.32 4) Deposit and Other Accounts/R>odr d AÝ` ImVr C 8472,36,59,798.31
177,94,37,669.89 5) Borrowings/H$O} D 379,11,73,782.23
57,18,381.95 6) Bills for collection being Bills Receivable 31,61,666.00
(As per contra)/dgwbrgmR>r ñdrH$mabobr {~bo (Xw~oaOr)
0.00 7) Securities sold under Repo A/c (As per contra) / aonmo A§VJ©V amoIo {dH«$s (Xw~oaOr) 70,00,00,000.00
0.00 8) Branch Adjustment/emIm§VJ©V ImVr OwiUr 88,20,076.50
68,52,32,933.91 9) Unapplied Interest 80,75,19,648.25
(As per contra)/Z AmH$mabobo ì`mO (Xw~oaOr)
9,45,26,067.00 10) Interest Payable/XoUo ì`mO 8,71,89,996.00
114,69,47,521.73 11) Other Liabilities/BVa XoUr E 70,55,99,479.62
64,97,49,131.93 12) Profit & Loss Account/Z\$mVmoQ>m ImVo F 51,633.05

8782,82,29,701.16 Total . . ./EHy$U . . . 9941,15,48,075.66

307,32,76,233.37 CONTINGENT LIABILITIES/g§^mì` XoUr P 325,26,06,386.37

Notes on Accounts : Schedule Q
As per our report attached As per our report attached As per our report attached
For Shashank Patki & For Kirtane & For S.D.Medadkar &
A.S. Kuvalekar S.V. Apte Associates Pandit LLP Company
Dy. General Manager Dy. General Manager Chartered Accountants Chartered Accountants Chartered Accountants
FRN - 122054W FRN - 105215W/W100057 FRN - 106128W

(Ruta Chitale) (Sandeep D. Welling) (S.V. Waikar)

Partner Partner Partner
D. G. Kulkarni M.No. 111703 M.No. 44576 M.No.40590
Jt. General Manager Statutory Auditors Statutory Auditors Statutory Auditors
Place: Pune
Date : 14/07/2017

..... 16 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
Janata Sahakari Bank Ltd.,Pune (Multi State Scheduled Bank) 31 _mM©,2017 AIoaMm Vmio~§X
As on As on
Property & Assets
31st March, 2016 SCH 31st March,2017
Rs. Ps. qOXJr d `oUo Rs. Ps.

371,49,50,752.57 1) Cash/amoI G 406,84,41,291.69

284,71,20,842.60 2) Balances with other Banks/BVa ~±H$m§Vrb R>odr H 278,64,14,784.85
0.00 3) Money at Call and Short Notice/_mJUr H$aVmM 0.00
{_iUmè`m dm Aën Zmo[Q>erZo {_iUmè`m R>odr
2582,23,32,296.06 4) Investments/Jw§VdUyH$ I 2768,46,89,780.75
0.00 5) Investment out of the Principal/Subsidiary State 0.00
Fund/emgZmÀ`m à_wI AWdm ghmæ`H$mar {ZYrVyZ Jw§VdUyH$
5126,71,57,881.02 6) Advances/H$O} J 5691,07,78,950.83
132,25,12,368.75 7) Interest Receivable/`oUo ì`mO K 152,33,15,733.68
57,18,381.95 8) Bills Reveivables being Bills for Collection (As per 31,61,666.00
contra)/ dgwbrgmR>r nmR>{dbobr {~bo (Xw~oaOr)
31,14,094.29 9) Branch Adjustment/emIm§VJ©V ImVr OwiUr 0.00
10) Securities sold under Repo A/c.(As per Contra)/ aonmo A§VJ©V H$O} (Xw~oaOr)
0.00 A) Securities recov.under Repo/{gŠ`warQ>rO arH$ìha A§S>a aonmo 279,11,73,782.23
0.00 B) Securities purchased under RBI Rev.Repo/ 70,00,00,000.00
0.00 {gŠ`warQ>rO nM}ñS> A§S>a Ama.~r.Am`.arìhg© aonmo L 349,11,73,782.23

84,29,02,284.81 11) Premises/OmJm d B_maV M 123,13,84,894.81

32,96,91,786.84 12) A)Dead Stock, Furniture, Fixture, Fittings, Library, Vehicles, 35,44,94,642.91
Deffered Revenue & Improvement to Premises/A) S>oS> ñQ>m°H$
\${Z©Ma,{\$ŠMa {\$qQ>J,dmhZ, bm`~«ar,S>r\$S>© aoìhoÝ`y Am{U OmJoMr gwYmaUm
38,25,39,995.00 B) Capital Work in Progress/Mmby ^m§S>dbr IM© 1,06,90,054.00
71,22,31,781.84 36,51,84,696.91
96,64,59,017.27 13) Other Assets/BVa `oUr N 62,24,35,493.91
32,37,30,000.00 14) Deferred Tax Asset/{S>\$S>© Q>°Šg A°goQ> 61,45,67,000.00
0.00 15) Cost of acquisition of Merged Bank/ {d{bZrH¥$V ~±Ho$Mo IaoXr _yë` O 11,00,00,000.00

8782,82,29,701.16 Total . . ./EHy$U . . . 9941,15,48,075.66

:: Directors ::

J.L. Kadam S.R. Pandit M.M. Pawar B.R. Khomne A.K. Khaladkar
(Chairman)

S.G. Mutalik K.K. Shah R.V. Shinde L.A. Pawar S.M. Lele
(Vice-chairman)

A.V. Bedekar Sou.M.M.Kasabekar V.P. Bhave J.K. Kakatkar

(C.E.O.)

..... 17 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31st March,2017

2015 - 2016 Particulars 2016 - 2017

Rs. Ps. Vnerb Rs. Ps. Rs. Ps.

1) Interest on/ì`mO
605,05,21,588.50 A) Deposit/R>odtdarb 616,40,33,167.33
10,34,15,815.25 B) Borrowings/H$Om©darb 4,23,81,181.46
1,27,63,836.00 C) Borrowings Under LTD/XrK© _wXVrÀ`m R>odr§darb 10,18,08,856.00
616,67,01,239.75 630,82,23,204.79
83,04,15,746.45 2) Staff Cost/godH$m§Mo nJma, ^Îmo, àm°.\§$S> dJ©Ur, 81,75,14,523.78
J«°À`wB©Q>r,gmZwJ«h AZwXmZ,àdmg IM© BË`mXr
3) Directors Expenses/g§MmbH$ _§S>i IM©
10,02,500.00 - Fees, Allowances/ewëH$ d ^Îmm 6,96,748.00
14,71,284.00 - Meeting/Travelling Expenses/ 5,48,320.21
g^m d àdmg IM©
24,73,784.00 12,45,068.21
15,05,56,632.16 4) Rent,Rates,Light,Taxes & Insurance/ 20,01,49,257.11
^mS>o H$a-{Xdm~Îmr d {d_m
1,10,86,955.00 5) Legal & Court Expenses/dH$sb d H$moQ>© ewëH$ 1,62,24,915.19
59,08,273.55 6) Audit Fees/Am°{S>Q> \$s 68,56,857.00
2,17,00,498.07 7) Postage,Telephone & Telegraph/ 3,33,84,557.02
Q>nmb,Vma,XyaÜdZr
8) Depreciation/Kgmam
9,80,37,084.00 i) On Fixed Assets/ñWmda d O§J_ _mb_Îmodarb 11,66,65,492.00
2,00,26,399.00 ii) On Revalued Assets/nwZ_w©ë`m§{H$V _mb_Îmodarb 2,00,26,399.00
11,80,63,483.00 13,66,91,891.00
6,29,23,263.10 9) Printing, Stationery & Advertisement 7,29,04,109.63
N>nmB©,ñQ>oeZar d Om{hamV
46,51,168.00 10) Building Maintainance/B_maV ì`dñWm 68,91,027.50
11) Other Expenditure/BVa d àmg§{JH$ IM©
2,73,72,964.00 A) Security Expenses/gwajm ì`dñWm IM© 3,30,84,603.00
9,79,58,154.69 B) Sundry Expenses/{H$aH$moi IM© 14,78,67,634.26
22,55,934.75 C) Vehicle Expenses/dmhZ IM© 29,13,669.12
7,55,22,549.00 D) DICGC Premium/S>r.Am`.gr.Or.gr. dJ©Ur 8,24,54,674.00
22,06,105.56 E) MICR Processing Charges/ 24,98,826.25
_m`H$a àmogoqgJ MmO}g
1,00,280.22 F) Commission Paid/H${_eZ 2,67,008.80
21,00,000.00 G) Donation Paid/XoU½`m 27,00,000.00
20,75,15,988.22 27,17,86,415.43

758,19,97,031.30 Carried forward.../nwT>rb nmZmda... 787,18,71,826.66

..... 18 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
Janata Sahakari Bank Ltd.,Pune (Multi State Scheduled Bank) 31 _mM©,2017 df© AIoaMo Z\$mVmoQ>m nÌH$

2015 - 2016 Particulars 2016 - 2017

Rs. Ps. Vnerb Rs. Ps. Rs. Ps.

1) Interest on/ì`mO -
633,57,98,226.43 A) Loans/H$O} 608,63,64,795.36
227,35,93,899.41 B) Investments/Jw§VdUyH$ 259,87,51,733.58
860,93,92,125.84 868,51,16,528.94

1,08,71,415.18 2) Commission/H${_eZ 1,26,63,011.22

0.00 3) Donations/AZwXmZ d XoU½`m 0.00

4) Others/BVa
18,07,46,561.00 A) Miscellaneous Income/{H$aH$moi CËnÝZ 19,13,65,714.13
315.00 B) Transfer Fee/^mJmdarb hñVm§Va ewëH$ 201.00
17,19,380.00 C) Dividend on shares/^mJmdarb bm^m§e 17,29,180.00
2,32,72,448.68 D) Locker Rent/go\$ {S>nm°{PQ> ìhm°ëQ> a|Q> 3,01,04,354.52
3,93,63,864.39 E) Bank Guarantee Commission/ 8,30,93,885.39
~±H$ h_r H${_eZ
35,77,005.22 F) Dividend on Mutual Fund/ 31,42,542.00
å`wÀ`wAb \§$S>mdarb bm^m§e
24,86,79,574.29 30,94,35,877.04

7,48,74,426.60 5) Profit on sale of Securities/H$O© amoIo {dH«$s Z\$m 30,48,31,825.00

4,94,687.27 6) Profit on sale of Assets/ñWmda {dH«$s Z\$m 32,59,899.00

9,11,93,000.00 7) Deffered Tax Asset/S>r\$S>© Q>°Šg A°goQ> 29,08,37,000.00

903,55,05,229.18 Carried Forward.../nwT>rb nmZmda . . . 960,61,44,141.20

..... 19 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31st March,2017

2015 - 2016 Particulars 2016 - 2017

Rs. Ps. Vnerb Rs. Ps. Rs. Ps.

758,19,97,031.30 Brought Forward.../_mJrb nmZmdê$Z . . . 787,18,71,826.66

12) Written off/{ZañV
0.00 A) Dead Stock/ñWmda d O§J_ _mb_Îmm 0.00
0.00 B) Bad & Doubtful Advances/g§e{`V d ~wS>rV H$O} 1,68,88,924.00
88,00,000.00 C) Cost of Acquisition Amortised/{dbrZrH¥$V 2,84,72,631.68
0.00 D) Non Performing Investment/AZwËnm{XV Jw§VdUyH$ 0.00
88,00,000.00 Total (A) to (D) /EHy$U (A) Vo (>S>) 4,53,61,555.68
18,46,510.95 13) Loss on sale of Assets/ 2,15,875.18
ñWmda d O§J_ _mb_Îmm {dH«$sV Ambobr VyQ>
6,51,975.00 14) Service Tax Paid/godm H$a AXm 16,97,460.00
4,29,67,334.95 15) Premium on Investments amortised/
4,71,65,946.57
Jw§VdUwH$snmoQ>r Xe©Zr qH$_Vrnojm OmñV AXm Ho$bobr a¸$_ {ZañV
2,23,72,600.00 16) Investments transfer/maturity loss
2,65,11,696.51
/Jw§VdUyH$ hñVm§VaU / _wXVnyVuMm VmoQ>m
41,85,00,000.00 17) Income Tax/Am`H$a
41,36,86,012.00
18) Provisions/ VaVwXr
36,58,86,708.75 A) Bad & Doubtful Debts Reserve/ 99,74,13,667.15
g§e{`V d ~wS>rV H$O© {ZdmaU {ZYr
0.00 B) Performing Assets/CËnm{XV H$Om©darb VaVyX 3,31,71,281.60
0.00 C) For Investments/Jw§VdUyH$sH$[aVm 0.00
2,32,54,847.00 D) Provision for Restructured Advances/ 66,64,000.00
nwZ~mªYUr Ho$boë`m H$Om©darb VaVyX
1,00,00,000.00 E) Special Reserve As Per Income 1,00,00,000.00
Tax Act/Am`H$a H$m`ÚmZwgma {ZYr
0.00 F) Contingency Reserve/AmH$pñ‘H$ {ZYr 50,00,000.00
39,91,41,555.75 105,22,48,948.75
64,97,49,131.93 Net Profit transferred to Profit and Loss 36,11,74,273.05
Appropriation A/c./ {Zìdi Z\$m VmoQ>m {d^mJUr ImVr dJ©

912,60,26,139.88 Total . . ./EHy$U ... 981,99,33,594.40

Notes on Accounts : Schedule Q As per our report attached As per our report attached As per our report attached
For Shashank Patki & For Kirtane & For S.D.Medadkar &
A.S. Kuvalekar S.V. Apte Associates Pandit LLP Company
Dy. General Manager Dy. General Manager Chartered Accountants Chartered Accountants Chartered Accountants
FRN - 122054W FRN - 105215W/W100057 FRN - 106128W

(Ruta Chitale) (Sandeep D. Welling) (S.V. Waikar)

Partner Partner Partner
D.G. Kulkarni M.No. 111703 M.No.44576 M.No.40590
Place: Pune
Date : 14/07/2017 Jt. General Manager Statutory Auditors Statutory Auditors Statutory Auditors

..... 20 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
Janata Sahakari Bank Ltd.,Pune (Multi State Scheduled Bank) 31 _mM©,2017 df© AIoaMo Z\$mVmoQ>m nÌH$

2015 - 2016 Particulars 2016 - 2017

Rs. Ps. Vnerb Rs. Ps. Rs. Ps.

903,55,05,229.18 Brought Forward.../_mJrb nmZmdê$Z . . 960,61,44,141.20

8) Excess provisions written back

OmXm VaVyX naV
85,64,258.00 A) Provision for Income Tax Written 0.00
Back/Am`H$a VaVyX naV
0.00 B) Contingent Provision for Standard Asset 1,34,00,986.97
WB/ CËnm{XV H$O© {ZYr VaVyX naV
41,32,027.70 C) Bad & Doubtful Advances Written 4,53,62,067.23
Back/g§e{`V d ~wS>rV H$O© {ZYr$VaVyX naV
0.00 D) General Reserve Write Back/ 11,00,00,000.00
$ gd©gmYmaU {ZYr VaVyX naV
5,75,00,000.00 E) Investment Depre.Prov. Written 2,50,00,000.00
Back/Jw§VdUwH$sdarb Kgmam naV
2,98,226.00 F) Investments W/O now recovered/ 0.00
Jw§VdUwH$sdarb VaVyX naV
7,04,94,511.70 19,37,63,054.20
9) Revaluation reserve written back
nwZ_w©ë`m§H$Z {ZYr VaVyX naV
2,00,26,399.00 i) Towards Depreciation/ Kgmè`mdarb 2,00,26,399.00

2,00,26,399.00 2,00,26,399.00

912,60,26,139.88 Total . . ./EHy$U ... 981,99,33,594.40

:: Directors ::

J.L. Kadam S.R. Pandit M.M. Pawar B.R. Khomne A.K. Khaladkar
(Chairman)

S.G. Mutalik K.K. Shah R.V. Shinde L.A. Pawar S.M. Lele
(Vice-chairman)

A.V. Bedekar Sou.M.M.Kasabekar V.P. Bhave J.K. Kakatkar

(C.E.O.)

..... 21 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

PROFIT & LOSS APPROPRIATION ACCOUNT FOR THE YEAR ENDED 31st March,2017

2015 - 2016 Particulars 2016 - 2017

Rs. Ps. Vnerb Rs. Ps.

Appropriations.../Z’$m {d^mJUr . . .
Subject to Annual General Meeting approval/
dm[f©H$ gd©gmYmaU g^oMo ‘§Owar AYrZ

0.00 A) Statutory Reserve/{d{Y{d{hV J§JmOir 9,02,93,500.00

0.00 B) Provision for Contigencies/AmH$pñ_H$ IMm©gmR>r 3,61,17,400.00
VaVyX
0.00 C) Education Fund/e¡j{UH$ {ZYr 36,11,740.00
0.00 D) Dividend Payable/bm^m§e XoUo 9,15,00,000.00
0.00 E) Investment Fluctuation Reserve/Jw§VdUyH$ 1,66,00,000.00
VabVm {ZYr
0.00 F) Bad and Doubtful Advances Reserve 12,30,00,000.00
g§e{`V ~wSr>V H$O© {ZdmaU {ZYr
0.00 36,11,22,640.00

64,97,49,131.93 Net Profit carried to Balance Sheet/{Zìdi Z’$m 51,633.05

Vmio~§Xmg dJ©....

64,97,49,131.93 Total/EHy$U .... 36,11,74,273.05

Notes on Accounts : Schedule Q As per our report attached As per our report attached As per our report attached
For Shashank Patki & For Kirtane & For S.D.Medadkar &
A.S. Kuvalekar S.V. Apte Associates Pandit LLP Company
Dy. General Manager Dy. General Manager Chartered Accountants Chartered Accountants Chartered Accountants
FRN - 122054W FRN - 105215W/W100057 FRN - 106128W

(Ruta Chitale) (Sandeep D. Welling) (S.V. Waikar)

Partner Partner Partner
D.G. Kulkarni M.No. 111703 M.No.44576 M.No.40590
Place: Pune
Date : 14/07/2017 Jt. General Manager Statutory Auditors Statutory Auditors Statutory Auditors

..... 22 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
Janata Sahakari Bank Ltd.,Pune (Multi State Scheduled Bank) 31 _mM©,2017 df© AIoaMo Z’$m {d^mJUr nÌH$

2015 - 2016 Particulars 2016 - 2017

Rs. Ps. Vnerb Rs. Ps.

64,97,49,131.93 Profit Brought Forward.../_mJrb nmZmdê$Z . . 36,11,74,273.05

0.00 Profit of Last Year.../_mJrb dfuMm Z’$m.. 0.00

64,97,49,131.93 Total . . ./EHy$U ... 36,11,74,273.05

:: Directors ::

J.L. Kadam S.R. Pandit M.M. Pawar B.R. Khomne A.K. Khaladkar
(Chairman)

S.G. Mutalik K.K. Shah R.V. Shinde L.A. Pawar S.M. Lele
(Vice-chairman)

A.V. Bedekar Sou.M.M.Kasabekar V.P. Bhave J.K. Kakatkar

(C.E.O.)

..... 23 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

Janata Sahakari Bank Ltd.,Pune (Multi State Scheduled Bank) Balance Sheet as on 31st March,2017
As on As on
Capital & Liabilities
31st March, 2016 31st March, 2017
Rs. Ps. ^m§S>db d XoUo Rs. Ps. Rs. Ps.

SCHEDULE “A”
CAPITAL/(^mJ ^m§S>db)
(A) Authorised Share Capital/
A{YH¥$V ^mJ ^m§S>db
500,00,00,000.00 50000000 (previous year 50000000) 500,00,00,000.00
Shares of Rs.100/- each.
50000000 (_mJrb dfu 50000000)
^mJ àË`oH$s én`o 100/- à_mUo ^mJm§Mr a¸$_.

500,00,00,000.00 500,00,00,000.00

(B) Subscribed & Paid up Share Capital

dgyb Pmbobo ^mJ ^m§S>db
182,26,42,400.00 20739585 (P.Y.18226424) Shares of 207,39,58,500.00
Rs.100/- each Fully Paid up
àË`oH$s én`oo 100/- à_mUo EHy$U 20739585
(_mJrb dfu 18226424 ^mJ) ^mJm§Mr
aŠH$_ nyU©V: dgyb Pmbobr

182,26,42,400.00 207,39,58,500.00

Out of above Shares held by/darbn¡H$s

g^mgXm§Zr YmaU Ho$boë`m ^mJm§Mr dgyb aŠH$_
182,26,42,400.00 Individuals/ì`pŠVe: 207,39,58,500.00
0.00 Co-operative Societies 0.00
`mn¡H$s ghH$mar g§ñWm§Zr YmaU Ho$bobo

0.00 State Government 0.00

`mn¡H$s amÁ` emgZmZo YmaU Ho$bobo

..... 24 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
Janata Sahakari Bank Ltd.,Pune (Multi State Scheduled Bank) 31 _mM©,2017 df© AIoaMm Vmio~§X nÌH$
As on As on
Capital & Liabilities
31st March, 2016 31st March,2017
Rs. Ps. ^m§S>db d XoUo Rs. Ps. Rs. Ps.

SCHEDULE “B’’
RESERVE FUND AND OTHER RESERVES
{d{Y{d{hV J§JmOir d BVa {ZYr
105,65,72,033.68 A) Statutory Reserve/{d{Y{d{hV J§JmOir 132,43,21,252.19
48,58,00,000.00 B) Building Fund/B_maV {ZYr 53,58,00,000.00
2,27,11,461.00 C) Dividend Equilisation Fund 2,59,38,931.00
bm^m§e g_VmobZ {ZYr
11,31,15,000.00 D) General Reserve/gd©gmYmaU {ZYr 31,15,000.00
119,29,20,110.65 E) Bad and Doubtful Advances Reserve 245,30,41,851.78
g§e{`V ~wSr>V H$O© {ZdmaU {ZYr
20,29,23,665.25 F) Contingent provision for Standard Assets/ 22,27,39,266.88
CÎm_ H$Om©darb g§^mì` VaVyX
5,00,000.00 G) Charity Reserve/Y_m©W© {ZYr 5,00,000.00
2,25,000.00 H) Co-operative Promotion Reserve 2,25,000.00
ghH$ma àMma {ZYr
1,76,81,139.85 I) Shareholder Welfare Reserve 1,76,56,139.85
^mJYmaH$ H$ë`mU {ZYr
1,06,93,239.00 J) Employee Welfare Reserve 1,06,93,239.00
godH$ H$ë`mU {ZYr
2,31,96,532.00 K) Provision for Investments 12,35,532.00
Jw§VdUwH$sgmR>r VaVyX
24,26,32,645.00 L) Provision for Contigencies 34,37,25,045.00
AmH$pñ_H$ IMm©gmR>r VaVyX
72,32,56,110.00 M) Revaluation Reserve/nwZ_w©ë`m§H$Z {ZYr 70,32,29,711.00
3,22,55,000.00 N) Special Reserve As Per Income Tax Act/ 4,22,55,000.00
Am`H$a H$m`ÚmZwgma {deof {ZYr
63,94,30,962.00 O) Investment Fluctuation Reserve/ 70,60,30,962.00
Jw§VdUyH$ VabVm {ZYr
9,67,62,863.00 P) Provision for Restructured Advances/ 10,34,26,863.00
nwZ~mªYUr Ho$boë`m H$Om©darb VaVyX
0.00 Q) Contingency Reserve/AmH$pñ‘H$ {ZYr-(darb a¸$‘on¡H$s ghm 1,64,79,702.00
‘{hÝ`m§nwT>rb XoÊ`mgmR>r a¸$‘ é. 80.95 bmI amIyZ R>odbr Amho.)
486,06,75,761.43 651,04,13,495.70

..... 25 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

Janata Sahakari Bank Ltd.,Pune (Multi State Scheduled Bank) Balance Sheet as on 31st March,2017
As on As on
Capital & Liabilities
31st March, 2016 31st March,2017
Rs. Ps. ^m§S>db d XoUo Rs. Ps. Rs. Ps.

SCHEDULE “C’’

DEPOSIT AND OTHER ACCOUNTS/

R>odr d AÝ` ImVr
A) Fixed Deposits/_wXV R>od
5209,19,36,460.74 1) Individuals/ì`pŠVe: 5519,46,48,420.93
0.00 2) Central Co-op. Banks/_Ü`dVu ghH$mar ~±H$m 0.00
1028,56,22,168.00 3) Other Co-op. Societies/BVa ghH$mar g§ñWm 1105,39,13,804.00
6237,75,58,628.74 Total (A). . ./EHy$U (A). . . 6624,85,62,224.93

B) Savings Deposits/gopìh¨½O R>od

1151,59,62,297.01 1) Individuals/ì`pŠVe: 1473,53,35,540.13
0.00 2) Central Co-op. Banks/_Ü`dVu ghH$mar ~±H$m 0.00
10,61,33,075.31 3) Other Co-op. Societies/BVa ghH$mar g§ñWm 13,70,61,581.48
1162,20,95,372.32 Total (B) . . ./EHy$U (~) . . . 1487,23,97,121.61

C) Current Account/Mmby R>od

220,89,34,993.84 1) Individuals/ì`pŠVe: 280,39,68,564.41
0.00 2) Central Co-op. Banks/_Ü`dVu ghH$mar ~±H$m 0.00
11,18,74,191.52 3) Other Co-op. Societies/BVa ghH$mar g§ñWm 10,56,24,489.44
232,08,09,185.36 Total (C) . . ./EHy$U (H$) . . . 290,95,93,053.85

0.00 D) Call Deposits/_mJUr H$aVmM Úmì`m bmJUmè`m 0.00

dm/Aën Zmo[Q>erZo Úmì`m bmJUmè`m R>odr

46,28,36,646.90 E) Matured Deposits/_wXV g§nboë`m R>odr 69,31,07,397.92

7678,32,99,833.32 Total Deposits/EHy$U R>odr....... 8472,36,59,798.31

..... 26 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
Janata Sahakari Bank Ltd.,Pune (Multi State Scheduled Bank) 31 _mM©,2017 df© AIoaMm Vmio~§X nÌH$
As on As on
Capital & Liabilities
31st March, 2016 31st March,2017
Rs. Ps. ^m§S>db d XoUo Rs. Ps. Rs. Ps.

SCHEDULE “D’’

BORROWINGS/H$O}
0.00 A) From Other Banks/Institutions/BVa ~±H$m,g§ñWm 0.00
100,00,00,000.00 B) Borrowing Under LTD (Tier-II Capital) 100,00,00,000.00
Deposits/XrK© _wXVrÀ`m R>odr§darb H$O}
77,94,37,669.89 C) CBLO (Borrowings)/gr~rEbAmo (H$O}) 0.00
0.00 D) Securities sold under REPO/aonmo A§VJ©V amoIo {dH«$s 279,11,73,782.23
E) Securities deliver under Reverse REPO/ 0.00
177,94,37,669.89 [aìhg© aonmo A§VJ©V {Xbobo amoIo 379,11,73,782.23

SCHEDULE “E’’

OTHER LIABILITIES/BVa XoUr

14,42,23,410.92 A) Bills Payable/Xo` {~bo 8,77,40,817.98
3,97,80,771.00 B) Dividend Payable/bm^m§e XoUr 3,39,39,739.00
78,05,984.54 C) Suspense Account /AZm_V 96,17,840.74
2,17,95,541.55 D) Draft Payable/S´>mâQ> XoUo 2,52,16,408.84
10,94,06,071.72 E) Sundry Payables/AÝ` XoUr 5,75,84,673.06
82,39,35,742.00 F) Provision for Income Tax/Am`H$a VaVyX 40,00,00,000.00
0.00 G) Proposed Dividend Payable/g§^mì` bm^m§e XoUr 9,15,00,000.00
114,69,47,521.73 70,55,99,479.62

SCHEDULE “F’’

PROFIT & LOSS ACCOUNT / Z\$mVmoQ>m ImVo

64,61,08,444.16 Profit as per last Balance Sheet/ 64,97,49,131.93
_mJrb dfm©Mm Z\$m Vmio~§XmZwgma
64,61,08,444.16 Less: Profit Appropriation/Z\$m {d{Z`moJ 64,97,49,131.93
64,97,49,131.93 Add: Current Year Profit/Mmby dfm©Mm Z\$m 51,633.05

64,97,49,131.93 51,633.05

..... 27 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

Janata Sahakari Bank Ltd.,Pune (Multi State Scheduled Bank) Balance Sheet as on 31st March,2017
As on As on
Property & Assets
31st March, 2016 31st March,2017
Rs. Ps. qOXJr d `oUo Rs. Ps. Rs. Ps.

SCHEDULE “G’’
CASH AND BALANCES WITH BANK/
amoI d ~±H$m§Vrb {e„H$
36,89,04,650.75 A) Cash on hand/amoI {e„H$ 32,58,91,623.01

B) Current Accounts with/Mmby ImVr

312,11,29,717.77 I) Reserve Bank of India 349,65,58,906.47

[aPìh© ~±H$ Am°\$ B§{S>`m
II) State Bank of India & Associate Banks
ñQ>oQ> ~±H$ Am°\$ B§{S>`m Am{U Agmo{gEQ> ~±H$m
37,63,488.97 i) State Bank of India 1,13,02,155.83
ñQ>oQ> ~±H$ Am°\$ B§{S>`m
29,89,558.16 ii) State Bank of Hyderabad 1,27,21,332.27
ñQ>oQ> ~±H$ Am°\$ h¡Xam~mX

2,77,10,480.54 III) District Central Co-op. Banks 3,15,03,025.49

{Oëhm _Ü`dVu ghH$mar ~±H$m
4,52,856.38 IV) State Co-operative Banks 2,64,248.62
amÁ` ghH$mar ~±H$m
C) Fixed Deposits with Banks
_wXV R>odr
1,00,00,000.00 i) MSC Bank Ltd.,Mumbai 1,02,00,000.00
_hmamï´> amÁ` ghH$mar ~±H$ {b._w§~B©
18,00,00,000.00 ii) District Central Co-op. Banks 18,00,00,000.00
{Oëhm _Ü`dVu ghH$mar ~±H$m
(Out of this, Deposits of Rs.1300
lakhs (P.Y.Rs.1300 Lakhs)
earmarked for Statutory Reserve)
(darbn¡H$s é$.1300 bmIm§À`m (_mJrb
dfu é.1300 bmI) nmdË`m§Mr
aŠH$_ J§JmOirgmR>r amIyZ R>odbr Amho.)
371,49,50,752.57 406,84,41,291.69

..... 28 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
Janata Sahakari Bank Ltd.,Pune (Multi State Scheduled Bank) 31 _mM©,2017 df© AIoaMm Vmio~§X$
As on As on
Property & Assets
31st March, 2016 31st March,2017
Rs. Ps. qOXJr d `oUo Rs. Ps. Rs. Ps.

SCHEDULE “H’’

BALANCES WITH OTHER BANKS/

BVa ~±H$m§Vrb R>odr
30,34,03,452.60 A) Current Account/Mmby R>od ImË`mV 42,10,97,671.85
0.00 B) Savings Account/gopìh¨½O R>od ImË`mV 0.00
254,37,17,390.00 C) Fixed Deposit Account/_wXV R>od ImË`mV 236,53,17,113.00
284,71,20,842.60 278,64,14,784.85
SCHEDULE “I’’
INVESTMENTS/Jw§VdUyH$
A) In Central & State Government
Securities at Book value/
H|$Ð d amÁ` emgZmZo C^maboë`m
H$O©amo»`mVrb Jw§VdUyH$ nwñVH$s {H$_VrZwgma
2267,39,09,546.06 a) SGL/Eg.Or.Eb. 2380,99,59,030.75
Face Value/Xe©Zr qH$_V Rs.2325,23,90,000/-
(P.Y./_mJrb dfu Rs.2231,34,80,000/- )
Market Value/~mOma^mdmZo qH$_V
Rs.2387,41,27,280.61
(P.Y./_mJrb dfu Rs.2265,10,36,082.00)
(Out of this, Securities of face value of Rs.11000.00
lakhs earmarked for Statutory Reserve)
(darbn¡H$s é. 11000.00 bmI Xe©Zr qH$_VrÀ`m
amo»`m§Mr aŠH$_ J§JmOirgmR>r amIyZ R>odbr Amho.)
Market Value C.Y. /~mOma^mdmZo Mmby
dfm©Vrb qH$_V Rs.119,40,00,000/-
Market Value P.Y. /~mOma^mdmZo _mJrb
dfm©Vrb qH$_V Rs.98,04,20,000/-
2267,39,09,546.06 Total (A) . . ./EHy$U (A)... 2380,99,59,030.75
B) In Other Approved Securities at Book
Value/BVa {dídñV H$O©amo»`mVrb Jw§VdUyH$
nwñVH$mVrb {H$_VrZwgma
Face Value/Xe©Zr qH$_V Rs.NIL
(P.Y./_mJrb dfu Rs.NIL)
Market Value/~mOma^mdmZo qH$_V Rs.NIL
(P.Y./_mJrb dfu Rs.NIL)
0.00 Total (B) . . ./EHy$U (~)... 0.00

..... 29 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

Janata Sahakari Bank Ltd.,Pune (Multi State Scheduled Bank) Balance Sheet as on 31st March,2017
As on As on
Property & Assets
31st March, 2016 31st March,2017
Rs. Ps. qOXJr d `oUo Rs. Ps. Rs. Ps.

C) In Shares/^mJmVrb Jw§VdUyH$
2,69,84,050.00 i) Co-op.Institutions/ghH$mar g§ñWm§_Yrb 2,82,82,050.00
1,000.00 ii) Maharashtra State Finance Corporation 1,000.00
_hmamï´> amÁ` {dÎmr` _hm_§S>i
24,99,200.00 iii) National Payment Corporation of India 24,99,200.00
Shares / Z°eZb no‘oÝQ> H$m°nm}aoeZ Am°’$ B§.

2,94,84,250.00 Total (C) . . ./EHy$U (H$)... 3,07,82,250.00

304,39,38,500.00 D) In PSU Bonds/gmd©O{ZH$ joÌmVrb H$O©amoIo$ 376,89,48,500.00

E) Other Investments/AÝ` Jw§VdUyH$

0.00 i) Certificate of Deposit 0.00
g{Q>©{\$Ho$Q> Am°\$ {S>nm°PrQ>
7,50,00,000.00 ii) Mutual Fund/ å`wÀ`wAb \§$S> 7,50,00,000.00

7,50,00,000.00 Total (E)/EHy$U (B)... 7,50,00,000.00

2582,23,32,296.06 Total (A)(B)(C)(D)(E)/EHy$U (A)(~)(H$)(S>)(B)... 2768,46,89,780.75

SCHEDULE “J’’

ADVANCES/H$O}
A) Short Term Loans, Cash Credit,
Overdraft & Bills Discounted
of which secured against/
Aën_wXV H$O},H°$eHo«$S>rQ>,AmoìhaS´>mâQ> d
{~ëg {S>ñH$mD§$qQ>J `m§n¡H$s
10,99,632.02 i) Govt. & other approved securities 249,11,23,247.85
gaH$mar H$O©amoIo d VËg_ VmaUmda
2248,41,96,821.60 ii) Other Tangible Securities/AÝ` VmaUmda 2268,35,41,343.32
8,74,53,292.27 iii) On Personal Sureties/ 8,22,50,490.61
{dZmVmaUr Om_rZH$s

2257,27,49,745.89 Total (A) . . ./EHy$U (A)... 2525,69,15,081.78

..... 30 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
Janata Sahakari Bank Ltd.,Pune (Multi State Scheduled Bank) 31 _mM©,2017 df© AIoaMm Vmio~§X
As on As on
Property & Assets
31st March, 2016 31st March,2017
Rs. Ps. qOXJr d `oUo Rs. Ps. Rs. Ps.

1205,82,49,906.98 — Due from individuals 1218,26,40,791.90

`mn¡H$s ì`pŠVe: `oUo Agbobr
67,38,44,581.50 — Overdue advances 225,19,88,606.45
_wXV g§nyZhr `oUo Agbobr
64,32,30,349.40 — Bad & Doubtful Advances 226,79,91,253.20
g§e{`V AWdm ~wSr>V
B) Medium Term Loans/_Ü`_ _wXVrMr H$O}
of which secured against/(`mn¡H$s)
63,33,807.30 i) Govt. & other approved securities 42,14,209.12
gaH$mar H$O©amoIo d VËg_ VmaUmda
860,09,15,075.30 ii) Other Tangible Securities/AÝ` VmaUmda 827,38,52,037.55
134,16,46,402.09 iii) On Personal Sureties/ 142,19,79,772.00
{dZmVmaUr Om_rZH$s
994,88,95,284.69 Total (B). . ./EHy$U (~)... 970,00,46,018.67

543,73,65,952.21 — Due from individuals 613,57,78,652.85

`mn¡H$s ì`pŠVe: `oUo Agbobr
46,23,32,522.66 — Overdue advances 56,60,64,173.08
_wXV g§nyZhr `oUo Agbobr
55,49,43,199.18 — Bad & Doubtful Advances 59,71,51,095.86
g§e{`V AWdm ~wS>rV
C) Long Term Loans/XrK© _wXVrMr H$O}
of which secured against/(`mn¡H$s)
10,95,998.00 i) Govt. & other approved securities 8,46,388.00
gaH$mar H$O©amoIo d VËg_ VmaUmda
1733,53,17,455.40 ii) Other Tangible Securities/AÝ` VmaUmda 2042,36,23,092.16
140,90,99,397.04 iii) On Personal Sureties/ 150,93,90,321.22
{dZmVmaUr Om_rZH$s
1874,55,12,850.44 Total (C). . ./EHy$U (H$)... 2193,38,59,801.38
969,80,90,585.20 — Due from individuals 1434,15,75,041.43
`mn¡H$s ì`pŠVe: `oUo Agbobr
61,95,04,880.63 — Overdue advances 133,62,58,168.09
_wXV g§nyZhr `oUo Agbobr
112,74,04,554.23 — Bad & Doubtful Advances 224,99,03,404.73
g§e{`V AWdm ~wS>rV

5126,71,57,881.02 Total (A) (B) (C)/EHy$U (A) (~) (H$)... 5691,07,78,950.83

..... 31 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

Janata Sahakari Bank Ltd.,Pune (Multi State Scheduled Bank) Balance Sheet as on 31st March,2017
As on As on
Property & Assets
31st March, 2016 31st March,2017
Rs. Ps. qOXJr d `oUo Rs. Ps. Rs. Ps.

SCHEDULE “K’’
INTEREST RECEIVABLE/`oUo ì`mO
63,72,79,434.84 A) On Investments (of which overdue-NIL) 71,57,96,085.43
Jw§VdUwH$sdarb (`mn¡H$s _wXV g§nyZhr `oUo - H$mhr Zmhr)
68,52,32,933.91 B) Unapplied Interest (As per contra)/ 80,75,19,648.25
Z AmH$mabobo ì`mO (Xw~oaOr)
132,25,12,368.75 152,33,15,733.68
SCHEDULE “L’’
PREMISES/OmJm d B_maV
16,37,47,026.77 Cost/_yi qH$_V 16,37,47,026.77
0.00 Add : Additions/A{YH$ : dfm©Vrb dmT>rd a¸$_ 42,79,30,000.00
82,47,39,395.00 Add : Increase on account of Revaluation/ 82,47,39,395.00
nwZ_w©ë`m§H$ZmVrb dmT
0.00 Less : Deletions/dOm : dfm©Vrb dOmdQ> 22,854.00
>
98,84,86,421.77 Total Cost... 141,63,93,567.77
Depreciation/ Kgmam :
11,22,65,037.96 Accumulated Depreciation/g§{MV Kgmam 14,55,84,136.96
0.00 Less : Depreciation on deleted items 10,937.00
{ZañV Ho$boë`m ImË`m§darb g§{MV Kgmam
11,22,65,037.96 : Accumulated Depreciation/g§{MV Kgmam 14,55,73,199.96
1,32,92,700.00 Less : Current Year Depreciation/Mmby dfm©Mm Kgmam 1,94,09,074.00
2,00,26,399.00 : Depreciation on account of 2,00,26,399.00
Revaluation/nwZ_©wë`m§H$Zmdarb Kgmam >
14,55,84,136.96 Total Depreciation/EHy$U Kgmam .... 18,50,08,672.96
84,29,02,284.81 Closing Balance/df© AIoarg {e„H$ 123,13,84,894.81

SCHEDULE “M’’
A) Dead Stock, Furniture, Fixture, Fittings,
Library, Vehicles & Improvement to Premises/
A) S>oS> ñQ>m°H$ \${Z©Ma,{\$ŠMa {\$qQ>J, dmhZ,bm`~«ar Am{U OmJoMr gwYmaUm
49,25,03,069.58 Cost/_yi qH$_V 65,10,88,089.41
17,69,40,208.19 Add : Additions/A{YH$ : dfm©Vrb dmT>rd a¸$_ 12,25,95,885.98
1,83,55,188.36 Less : Deletions/dOm : dfm©Vrb dOmdQ> 12,09,686.47
65,10,88,089.41 Total Cost... 77,24,74,288.92
Depreciation/ Kgmam
24,30,64,552.30 Accumulated Depreciation upto last year/ 32,13,96,302.57
_mJrb dfm©n`ªVMm g§{MV Kgmam
64,12,633.73 Less : Depreciation on deleted items/ 6,73,074.56
{ZañV Ho$boë`m ImË`m§darb g§{MV Kgmam
23,66,51,918.57 Less:Accumulated Depreciation/g§{MV Kgmam 32,07,23,228.01
8,47,44,384.00 Add : Current Year Depreciation/Mmby dfm©Mm Kgmam 9,72,56,418.00
32,13,96,302.57 Total Depreciation/EHy$U Kgmam .... 41,79,79,646.01

32,96,91,786.84 Total Cost (A)/EHy$U... (A)... 35,44,94,642.91

..... 32 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
Janata Sahakari Bank Ltd.,Pune (Multi State Scheduled Bank) 31 _mM©,2017 df© AIoaMm Vmio~§X
As on As on
Property & Assets
31st March, 2016 31st March,2017
Rs. Ps. qOXJr d `oUo Rs. Ps. Rs. Ps.

32,96,91,786.84 Total (A)/EHy$U (A)... 35,44,94,642.91

38,25,39,995.00 B) Capital Work in Progress/Mmby ^m§S>dbr IM© 1,06,90,054.00
71,22,31,781.84 Total (A)+(B)/EHy$U (A)+(~)... 36,51,84,696.91

SCHEDULE “N’’
OTHER ASSETS/BVa `oUr
86,46,19,003.71 A) Income Tax Receivable 50,56,83,117.80
Am`H$a `oUo
0.00 B) Deposit with M.S.E.B.Co./_hm{dVaU H§$.H$S>o AZm_V 0.00
29,35,229.13 C) Stock of Printing & Stationery/ 31,98,915.40
N>nmB© ñQ>oeZar {e„H$
9,89,04,784.43 D) Other receivables/AÝ` `oUr 11,35,53,460.71
96,64,59,017.27 Total . . ./EHy$U . . . 62,24,35,493.91

SCHEDULE “O’’
COST OF ACQUISITION OF MERGED
BANK/{d{bZrH¥$V ~±Ho$Mo IaoXr _yë`
88,00,000.00 Cost of acquisition/IaoXr _yë` 13,84,72,631.68
88,00,000.00 Less: Amortised during the year/Mmby dfm©V 2,84,72,631.68
{ZañV Ho$bobo
0.00 11,00,00,000.00
SCHEDULE “P’’
CONTINGENT LIABILITIES/ g§^mì` XoUr
220,71,27,695.75 A) Guarantees Issued /~±H$ h_r 262,76,01,779.75
24,91,32,978.21 B) Letters of Credit Issued/boQ>a Am°\$ Ho«$S>rQ> XoUo 12,33,85,007.21
4,63,81,659.00 C) Contested Service Tax / godmH$amMo Xmì`mnmoQ>r 4,71,77,382.00
A{nbmMr a¸$‘
7,82,38,300.41 D) Amount transferred to RBI under DEAF/ 7,82,27,693.41
$AZŠboåS R>odtMr a¸$_ [aPìh© ~±Ho$H$S>o dJ©>
1,34,77,000.00 E) Capital contracts remaining to be executed/ 1,59,83,834.00
_mÝ` Ho$bobm na§Vw àË`j AXm Z Ho$bobm ^m§S>dbr IM©
68,28,770.00 F) Amalgamated Bank’s Collection Account/ 68,28,770.00
{dbrZrH¥$V ~±H$m§Mr H$boŠeZ ImVr
47,20,89,830.00 G) Income tax demands contested where 35,34,01,920.00
appeals are pending with appropriate Authorities/
Am`H$a àH$aUr A{nbmMr a¸$_
307,32,76,233.37 325,26,06,386.37

..... 33 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

CASH FLOW STATEMENT (Rs.in lakhs)

Particulars 2016-17 2015-16

A) Cash Flow From Operating Activities
Net Proft as per Profit & Loss Account 3611.74 6497.49
Add Adjustment For
Depreciation on assets 1166.66 980.37
Bad Debts Written Off 168.89 0.00
Assets written off 284.72 88.00
Amortisation on Investments 471.65 429.67
General Reserve Written Back (1100.00) 0.00
Provision for BDDR(Net) 9520.52 3617.55
Provision For Standard Assets 197.70 0.00
Profit/Loss on sale of assets (Net) (30.44) 13.52
Reversal of Deferred Tax Asset (2908.37) (911.93)
Depreciation on Investments 265.11 223.73
Provision for Investment (250.00) (575.00)
Provision for Diminution in value of Restructural Loan 66.64 232.55
Provision for Income Tax 4136.86 4099.36
Provision For Contigencies 50.00 0.00
Special Reserve 100.00 100.00
Education Fund (64.97) (64.61)
Total 15686.71 14730.70
Adjustment For
Increase/(Decrease) in Deposits 79403.60 60836.18
Increase/(Decrease) in Loans & Advances (56605.10) (37544.83)
Increase/(Decrease) in Investments (17578.33) (27842.74)
Income Tax Paid (4786.86) (4359.19)
Increase/(Decrease) in Funds 687.87 87.79
Increase/(Decrease) in Other Assets (903.15) (657.15)
Increase/(Decrease) in Other Liabilities (1051.98) 173.04
Net Cash generated from Operating Activities (A) 14852.76 5423.80
B) Cash Flow From Investing Activities
Purchase of Fixed Assets (1786.77) (5502.17)
Sale proceeds of Fixed Assets 35.93 105.91
Cost of acquisition of Merged Bank (1384.72) 0.00
Net Cash generated from Investing Activities (B) (3135.56) (5396.26)
C) Cash Flow From Financing Activity
Increase/(Decrease) in Share Capital 2513.16 2085.62
Payment of Dividend (1726.13) (1369.40)
Increase/Decrease in Borrowings (7794.38) 2716.79
Net Cash generated from financing activities (C) (7007.35) 3433.01
Net increase/decrease in cash & cash equivalents (A+B+C) 4709.85 3460.55
Cash & cash equivalents at the beginning of the year 38283.54 34822.99
Cash & cash equivalents at the end of the year 42993.39 38283.54

..... 34 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
amoIVm àdmhmMo {ddaU> (ê$n`o bmImV)

Vnerb 2016-17 2015-16

A) ì`mdgm{`H$ CbmT>mbrVyZ V`ma Pmbobr amoI>
Z\$m VmoQ>m ImË`mZwgmaMm {Zìdi Z\$m> 3611.74 6497.49
A{YH$ VaVyXr/VS>OmoS>r (Adjustment For)
_mb_Îmodarb Kgmam> 1166.66 980.37
g§e{`V d ~wS>rV H$O} {Zb}IrH$aU 168.89 0.00
_mb_ÎmoMo {Zb}IrH$aU 284.72 88.00
Jw§VdUwH$sdarb A{Y^mamMo {Zb}IrH$aU 471.65 429.67
gmYmaU {ZYr naV (1100.00) 0.00
g§e{`V AWdm ~w{S>V H$OmªgmR>r VaVyX (Zº$) 9520.52 3617.55
CËnm{XV H$Omªdarb VaVyX 197.70 0.00
_mb_Îmm {dH«$sVyZ {_imbobm Z\$m (Zº$) (30.44) 13.52
àb§{~V H$a naV (2908.37) (911.93)
Jw§VdUwH$sdarb Kgmam 265.11 223.73
Jw§VdUwH$sMo Kgmè`mgmR>r VaVyX (250.00) (575.00)
nwZ~mªYUr Ho$boë`m H$Om©darb VaVyX 66.64 232.55
Am`H$amMr VaVyX 4136.86 4099.36
AmH$pñ‘H$ {ZYr VaVyX 50.00 0.00
{deof {ZYr VaVyX 100.00 100.00
e¡j{UH$ {ZYr (64.97) (64.61)
156 86.71 14730.70
VaVyXr/VS>OmoS>r (Adjustment For)
R>odt_Yrb dmT>/(KQ>) 79403.60 60836.18
H$Omª_Yrb dmT/(KQ>)> (56605.10) (37544.83)
Jw§VdUwH$sVrb dmT>/(KQ>) (17578.33) (27842.74)
Am`H$a AXm (4786.86) (4359.19)
{ZYt_Yrb dmT>/(KQ>) 687.87 87.79
AÝ` _mb_Îmm§_Yrb dmT>/(KQ>) (903.15) (657.15)
AÝ` XoÊ`m§_Yrb dmT>/(KQ>) (1051.98) 173.04
ì`mdgm{`H$ CbmT>mbrVyZ {Z_m©U Pmbobr amoI (A) 14852.76 5423.80
~) Jw§VdUwH$sVyZ {Z_m©U Pmbobr amoI
pñWa _mb_ÎmoMr IaoXr (1786.77) (5502.17)
pñWa _mb_ÎmoÀ`m {dH«$sVyZ Ambobr a¸$_ 35.93 105.91
{dbrZrH¥$V ~±Ho$À`m A{YJ«hUmMr a¸$_ (1384.72) 0.00
Jw§VdUwH$sVyZ {Z_m©U Pmbobr Zº$ amoI (~) (3135.56) (5396.26)
H$ ) {dÎm C^maUr à{H«$`oVyZ {Z_m©U Pmbobr amoI
^mJ ^m§S>dbmVrb dmT>/(KQ>) 2513.16 2085.62
bm^m§e AXm (1726.13) (1369.40)
{dÎm C^maUr à{H«$`oVyZ V`ma Pmbobr Zº$ amoI dmT>/(KQ>) (7794.38) 2716.79
{dÎm C^maUr à{H«$`oVyZ {Z_m©U Pmbobr Zº$ amoI(H$)$ (7007.35) 3433.01
dmT>/KQ> (A+~+H$) 4709.85 3460.55
dfm©a§^r Agboë`m amoI Am{U amoI gÑí` ~m~r 38283.54 34822.99
dfm©AIoaÀ`m amoI Am{U amoI gÑí` ~m~r 42993.39 38283.54

..... 35 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

OZVm ghH$mar ~±H$ {b., nwUo (_ëQ>rñQ>oQ> eoS>`wëS> ~±H$)

eoS>çwb ""Š`w'' - 31 _mM© 2017 amoOrMm Vmio~§X d Ë`m{Xder g§nboë`m dfm©Mo Z\$mVmoQ>mnÌH$ `m§Mm A{d^mÁ`
^mJ Agboë`m {Q>nm.
Janata Sahakari Bank Ltd.,Pune (Multi-State Scheduled Bank)
SCHEDULE “Q’’
Notes to Accounts forming part of the Balance Sheet as at
31st March, 2017 and Profit and Loss Account for the year ended on that date.

A) à_wI {heo~r YmoaUo A. Significant Accounting Policies

1 ) {heo~mMr _ybVËdo
~±Ho$Mr Am{W©H$ nÌHo$ hr àdmhr g§ñWm g§H$ënZo A§VJ©V à_m{UV AgUm-`m
CËnÞ d IM© nÜXVrà_mUo, IaoXr qH$_V VËdmda d `oUo (Accrual) nÜXVrZo
(BVaÌ Z_yX Ho$bobo AndmX dJiVm) V`ma Ho$bobr AmhoV Am{U hr {heo~
nÌHo$ H$m`ÚmÀ`m VaVwXtZm AZwgê$Z BpÝñQ>Q>çwQ> Am°\$ MmQ>©S>© AH$m¢Q>§Q²>g Am°\$
B§{S>`mÀ`m {heo~ nÜXVrÀ`m _mZX§S>mà_mUo Am{U gd©gmYmaUnUo ~±qH$J
joÌmVrb àM{bV {heo~ nÜXVrbm AZwgéZ AmhoV.
1. Basis of Accounting
The financial statements are prepared by following the Going
Concern concept on historical cost convention under accrual
system of accounting unless otherwise stated. These statements
conform with the applicable statutory provisions, Accounting
Standards (AS) issued by The Institute of Chartered Accountants
of India and generally accepted accounting principles prevalent in
the Banking Industry in India.

2 ) ~±Ho$Mr Am{W©H$ nÌHo$ V`ma H$arV AgVmZm gd©gmYmaUnUo ñdrH¥$V Ho$boë`m
{hemo~mÀ`m nÕVr / VÎdo V`ma Ho$bobr AgmdrV. `mMm n[aUm_ qOXJr d
_mb_Îmm, CËnÞ, IM© VgoM g§^mì` XoUr `mda hmoVmo. Mmby Am{W©H$ dfm©Vrb
àË`j AmH$S>odmar A§Xm{OV Ho$boë`m AmH$S>odmarnojm doJir Agy eH$Vo. `m_Ü`o
A§XmOnÌH$ V`ma H$aVmZm H$mhr {R>H$mUr ~Xb Pmbo Va Ë`mMm n[aUm_ _mJrb
H$mimgmR>r Z hmoVm nwT>rb H$mimgmR>r hmoVmo. ì`dñWmnZmZo gm§{JVë`mà_mUo
~±Ho$Mr Am{W©H$ H$mJXnÌo `m Am{W©H$ dfm©Vrb YmoaUmZwgma, dmOdr nÕVrZo
VgoM ^{dî`H$mimMm A§XmO KoD$Z Ho$bobr AmhoV.
3 ) Jw§VdUyH $
3.1 Jw§VdUwH$sMo {d^mJrH$aU :
[aPd© ~±Ho$À`m _mJ©Xe©H$ VËdm§Zwgma ~±Ho$Zo Amnë`m Jw§VdUwH$sMo Imbrb VrZ
{d^mJm§_Ü`o dJuH$aU Ho$bo Amho.
A) hoëS> Qy> _°À`w[aQ>r : Oo H$O©amoIo Ë`m§Mr _wXV g§non`ªV ~±Ho$À`m Jw§VdUyH$s_Ü`o
R>odÊ`mMo CÔoemZo IaoXr Ho$bo AmhoV.
~) hoëS> \$m°a Q´>oS>tJ : Oo H$O©amoIo ì`mnma H$aÊ`mMo CÔoemZo KoVbo AmhoV.
H$) A°ìhobo~b \$m°a gob : Á`m H$O©amo»`m§Mo darb XmoÝhrn¡H$s H$moUË`mhr
{d^mJm§_Ü`o dJuH$aU hmoV Zmhr Ago H$O©amoIo "A°ìhobo~b \$m°a gob' `m
{d^mJm_Ü`o dJuH¥$V Ho$bo OmVmV.
2. Use of Estimates
Preparation of the financial statements, in conformity with
generally accepted accounting principles, requires management
to make estimates and assumptions that affect the reported
amounts of Assets and Liabilities, Revenues and Expenses
and Disclosure of contingent liability at the date of the financial
statements. Actual results could differ from those estimates.
Management believes that the estimates used in the preparation
of the financial statements are prudent and reasonable. Any
revision to the accounting estimates is recognised prospectively.
3. Investments
3.1 Categorisation of investment:
In accordance with guidelines issued by RBI, the Bank classifies
its investment portfolio into the following three categories:
i) ‘Held To Maturity’-Securities acquired by the Bank with the
intention to hold till maturity.
ii) ‘Held For Trading’ - Securities acquired by the Bank with the
intention to trade.
iii) ‘Available For Sale’ - Securities which do not fall within the
above two categories are classified as ‘Available for Sale’.

3.2 Jw§VdUwH$sMo dJuH$aU : 3.2 Classification of Investments:

[aPd© ~±Ho$À`m _mJ©Xe©H$ VËdm§Zwgma Vmio~§XmVrb àH$Q>rH$aUmMo Ñï>rZo For the purpose of disclosure in the Balance Sheet, Investments
Jw§VdUwH$sMo - gaH$mar H$O©amoIo, AÝ` _mÝ`VmàmßV H$O©amoIo, g_^mJ, have been classified under five groups as required under RBI
gmd©O{ZH$ CnH«$_m§Mo H$O©amoIo d AÝ` Jw§VdUyH$ Aem nmM g_yhm§_Ü`o dJuH$aU guidelines - Government Securities, Other Approved Securities,
H$aÊ`mV Ambo Amho. Shares, Bonds of PSU and Other Investments.

3.3 Jw§VdUwH$sMo _yë`m§H$Z : 3.3 Valuation of Investments:

A) hoëS> Qy> _°À`w[aQ>r : `m dJ©dmarVrb Jw§VdUyH$ IaoXr qH$_Vrbm Xe©{dbr
OmVo. `m dJ©dmarVrb EImXr Jw§VdUyH$ A{Y_yë`mZo - (Premium)
IaoXr Ho$bobr Agë`mg ho A{Y_yë` (Premium) g§~§{YV amo»`mÀ`m
_wXVrn`ªVÀ`m H$mbmdYr_Ü`o Z\$mVmoQ>m ImË`mbm Zmdo Q>mHy$Z g_à_mUm_Ü`o
(Proportionately) {ZañV Ho$bo Amho. g§~§{YV H$O©amo»`mMr nwñVH$s
qH$_V A{Y_yë`mÀ`m g_^mJm BVH$s a¸$_ g§~§{YV Am{W©H$ dfm©À`m
{hemo~m_Ü`o H$_r H$aÊ`mV Ambr Amho.
i) ‘Held to Maturity’ - These investments are carried at their
acquisition cost. Any premium on acquisition is amortised
over the balance period to maturity, with a debit to Profit &
Loss Account. The book value of security is reduced to the
extent of amount amortised during the relevant accounting
period.

..... 36 .....

‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
~) hoëS> \$m°a Q´>oS>tJ : `m dJ©dmarVrb àË`oH$ Jw§VdUwH$sMo ~mOma^mdmZo AWdm
amñV (FairPrice) ^mdmZo nwZ_w©ë`m§H$Z Ho$bo Amho. `m nwZ_w©ë`m§H$Zm_wio
qH$_VrV Pmbobr KQ,> g§~§{YV g_yhmVrb Jw§VdUwH$sMo qH$_VrVrb
dmT> dOm H$ê$Z {Zìdi KQ> Z\$mVmoQ>m ImVr Zmdo Q>mH$br Amho. {Zìdi
dmT> Agë`mg Ë`mMr Zm|X KoVbr OmV Zmhr. eoAa d ~m±S²>g d AÝ`
Jw§VdUwH$s¨Mo àH$mam{Zhm` Agbobr qH$_VrVrb dmT> {dMmamV KoÊ`mV
Ambobr Zmhr. Q´>oPar {~ëg ì`{V[aº$ gaH$mar H$O©amo»`m§Mo ~mOma^md
[aPd© ~±Ho$Zo qH$dm àm`_ar {S>bg© Agmo{gEeZ Am°\$ B§{S>`m (PDAI)
qH$dm {\$ŠñS> BÝH$_ _Zr _mH}$Q> A±S> S>oarìhoQ>rìh²O Agmo{gEeZ
(FIMMDA) `m§Zr Omhra Ho$boë`m dfm©AIoaÀ`m amo»`m§À`m qH$_Vr
AWdm {`ëS> Qy> _°À`w[aQ>r (YTM) da AmYmarV AmhoV.
H$) A°ìhobo~b \$m°a gob : `m dJ©dmarVrb àË`oH$ gaH$mar amo»`m§Mo/AÝ`
_mÝ`VmàmßV> amo»`m§Mo ~mOma^mdmZo AWdm amñV XamZo (Fair Price)
nwZ_w©ë`m§H$Z H$aÊ`mV Ambo Amho. Ë`m_wio H$O©amo»`m§Mo qH$_Vr_Yrb KQ>
Z\$mVmoQ>m ImVr Zmdo Q>mH$br Amho. qH$_Vr_Yrb {Zìdi dmT> {dMmamV
KoÊ`mV Ambobr Zmhr. eoAa d ~m±S²>g d AÝ` Jw§VdUwH$s¨Mo àH$mam{Zhm`
Agbobr qH$_VrVrb dmT> {dMmamV KoÊ`mV Ambobr Zmhr. Q´>oPar {~ëg
ì`{V[aº$ gaH$mar amo»`m§Mo ~mOma^md [aPd© ~±Ho$Zo qH$dm àm`_ar {S>bg©
Agmo{gEeZ Am°\$ B§{S>`m (PDAI) qH$dm {\$ŠñS> BÝH$_ _Zr _mH}$Q> A±S>
S>oarìhoQ>rìh²O Agmo{gEeZ (FIMMDA) `m§Zr doimodoir d dfm©AIoarg
Omhra Ho$boë`m amo»`m§À`m qH$_Vr/{`ëS> Qy> _°À`w[aQ>r (YTM) Zwgma Amho.
AXa A°àwìS> {gŠ`w[aQ>rOMo ~mOma^md FIMMDA Zo Omhra Ho$boë`m
ì`mOXa AmboI Am{U ì`mOXa Xwamì`m§da AmYmarV AmhoV.
S>) H$O©amo»`m§À`m ì`mOXo` VmaIm§À`m Xaå`mZMo H$mbmdYrVrb ì`mO
(Broken Period Interest) _hgybr CËnÞ åhUyZ {hemo~mV KoVbo
AmhoV. Jw§VdUyH$snmoQ>r IMu nS>bobo ~«moH$aoO, H${_eZ B._hgybr
ImË`mbm Zmdo Q>mH$bo AmhoV.
B) hoëS> Qy> _°À`w[aQ>r (HTM) dJ©dmarVyZ {dH$boë`m Jw§VdUyH$sVyZ {_imbobm
Z\$m BÝìhoñQ>_|Q> âbŠÀ`wEeZ [aPd© ImVr Z\$m {d^mJUrVyZ O_m Ho$bm
OmVmo.
4) H$O}
4.1 [aPd© ~±Ho$À`m _mJ©Xe©Z VËdm§Mo AmYrZ amhÿZ H$OmªMo CËV_, Xwæ`_,
g§e{`V d ~w{S>V H$O} Aem àH$mam§_Ü`o dJuH$aU Ho$bo Amho d Aem
H$Omªda [aPd© ~±Ho$Zo doimodoir {Xboë`m _mJ©Xe©H$ VËdm§Zwgma Amdí`H$
VaVyX H$aÊ`mV Ambr Amho.
4.2 [aPd© ~±Ho$À`m _mJ©Xe©H$ VËdm§Zwgma WH$~mH$s ì`mOmMm {hemo~ R>odÊ`mV
Ambm Amho.
5) [ñWa _mb_Îmm d Kgmam
5.1 ~±Ho$À`m _mbH$sÀ`m B_maVr `m Ë`m§Mo nwñVH$s qH$_V dm nwZ_w©ë`m§{H$V
qH$_Vrbm Xe©{dë`m AmhoV. nwZ_w©ë`m§H$Zm_wio nwñVH$s qH$_VrV hmoUmam
~Xb hm nwZ_w©ë`m§H$Z {ZYr åhUyZ O_m IM© Ho$bm Amho.
~±Ho$À`m ñd_mbH$sMo ñWmda {_iH$VrMo nwZ_w©ë`m§H$Z H$aÊ`mMo ~±Ho$Mo
YmoaU Amho. gXaMo YmoaUmZwgma ñWmda {_iH$VrMo nwZ_w©ë`m§H$Z EH$Xm
Ho$ë`mZ§Va nwT>rb nmM dfmªZ§Va H$aVm `oB©b. nwZ_w©ë`m§H$Zm_wio Ë`m
à_mUmV AmH$mabm OmUmam Kgmam hm à{Vdfu nwZ_©wë`m§H$Z {ZYr_YyZ
Z\$m VmoQ>m ImVr dJ© Ho$bm OmVmo.
5.2 AÝ` pñWa _mb_Îmm `m darb _yi qH$_Vr_YyZ Kgmam dOm OmVm
..... 37 .....
dm dm{f©H$ Ahdmb
gZ 2016-2017
ii) ‘Held for Trading’ - Each scrip in this category is re-
valued at the market price or fair value and the resultant
depreciation net of appreciation in this category is
recognized in the profit and loss account. Net Appreciation,
if any, is ignored. In case of shares and bonds and other
investments, the scrip wise appreciation is ignored.
Market value of government securities (excluding treasury
bills) is determined on the basis of the prices/YTM
published by RBI or the prices/YTM periodically declared
by Primary Dealers Association of India (PDAI) jointly with
Fixed Income Money Market and Derivatives Association
(FIMMDA) for valuation at year-end. In case of unquoted
government securities, market price or fair value is
determined as per the prices/YTM published by FIMMDA.
iii) ‘Available for Sale’ - Each Central Govt./Other approved
Securities in this category is re-valued at the market price
or fair value for each scrip and the resultant depreciation in
this category is recognized in the profit and loss account.
Net Appreciation, if any, is ignored. In case of shares and
bonds and other investments, the scrip wise appreciation is
ignored. Market value of government securities (excluding
treasury bills) is determined on the basis of the price list
published by RBI or the prices periodically declared by
PDAI jointly with FIMMDA for valuation at year-end. In case
of unquoted government securities market price or fair value
is determined as per the rates published by FIMMDA.
iv) Broken period interest on debt instruments is treated as
a revenue item. Brokerage, commission etc. pertaining to
investments paid at the time of acquisition is charged to
revenue.
v) Profit in respect of investments sold from ‘HTM’ category
is included in Proft on Sale of Investments and equal
amount is transferred to Investment Fluctuation Reserve
by way of appropriation.
4. Advances
4.1 In accordance with the guidelines issued by Reserve
Bank of India, advances are classified as Standard, Sub-
standard, Doubtful and Loss assets and required provision
is made on such advances as per the norms issued by
Reserve Bank of India from time to time.
4.2 Overdue Interest in respect of Non Performing Advances
is accounted for as per the directives issued by Reserve
Bank of India.
5. Fixed Assets and Depreciation
5.1 Premises are stated at historical cost or at revalued
amount, in case of revaluation thereof. The difference
between the historical cost and the revalued amount
is accounted as “revaluation reserve”. The Bank has
policy for Revaluation of Fixed Assets owned by them.
According to the policy the revaluation of Fixed Assets
could be done only after five years from the date of earlier
revaluation date. Proportionate depreciation on account of
the revaluation is transferred from Revaluation Reserve to
Profit and Loss Account every year.
5.2 Other fixed assets are stated at historical cost net of
 JANATA SAHAKARI BANK LTD., PUNE
Multi State Scheduled Bank
AgUmè`m qH$_Vrg Xe©[dë`m AmhoV.
5.3 qOXJr d `oUo `mVrb OmJm d B_maVr B. Imbr XmI{dbobr a¸$_ hr {X.1
E{àb 2003 amoOrMm Kgmam dOm OmVm Agbobo _yë` d Ë`mZ§Va Ë`m_Yo
nS>bobr ^a d Ë`mVyZ Pmbobr dOmdQ> Amho.
5.4 pñWa _mb_Îmoda Imbrbà_mUo Kgmam AmH$maUr Ho$bobr Amho.
A) g§JUH$ d g§JUH$ àUmbr - gai nÕVrZo 33.33% XamZo
~) B_maV ZyVZrH$aU - gai nÕVrZo 25% XamZo
H$) AÝ` pñWa _mb_Îmm -
1) Aënm`w _mb_Îmm - ì`dñWmnZmZo gw{Z{üV Ho$boë`m XamZo gai nÜXVrZo.
1) EAa H§${S>eZa - 15% 2) \°$Šg _{eZ - 20%
3) Zm_\$bH$ - 20% 4) EQ>rE_ _{eÝg - 20%
5) BboŠQ´>rH$b Ho$~ëg - 15% 6) OZaoQ>g© - 15%
2) AÝ` - ì`dñWmnZmZo gw{ZpíMV Ho$boë`m XamZo KQ>Ë`m Kgmam nÜXVrZo.
5.5 n{hë`m d Xwgè`m ghm_mhr_Ü`o IaoXr Hoo$boë`m _mb_Îmoda AZwH«$_o nyU© d
AÜ`m© XamZo Kgmam AmH$maUr Ho$bobr Amho. _mb_Îmm Xwgè`m ghm_mhr_Ü`o
{dH$br Agë`mg n{hë`m ghm_mhrMm Kgmam AmH$maÊ`mV Ambobm Amho.
_mb_Îmm n{hë`m ghm_mhrV {dH$br Agë`mg Kgmam AmH$maUr Ho$br
Zmhr.
6) ‘hgwbr CËnÞ g§H$ënZm
CËnÞ IMm©À`m gd©gmYmaU ~m~r `m `oUo nÕVrZo {heo~mV KoVë`m
OmVmV. na§Vw [aPìh© ~±Ho$Mo _mJ©Xe©H$ VËdmZwgma Imbrb ~m~r amoI
dgwbr nÕVrZo AZwËnm{XV H$Om©darb ì`mO àË`j dgyb nÕVrZo
{heo~mV KoVbo Amho.
7Ÿ) naH$s` MbZ ì`dhmam§À`m Zm|Xr `m gXa ì`dhmamMo {Xder àM{bV
AgUmè`m {d{Z_` XamZwgma H$aÊ`mV Amboë`m AmhoV. Vmio~§XmV
Z_yX naH$s` MbZ `oUr Am{U XoUr `m§À`m Zm|Xr Vmio~§XmMo {Xder
""\$m°aoZ EŠñM|O {S>bg© Agmo{gEeZ Am°\$ B§{S>`m'' (\o$S>mB©) `m§Mo
{ZX}{eV XamZwgma Xe©{dÊ`mV Amë`m AmhoV. gXa `oUr d XoUr `m§À`m
dfm©AIoarÀ`m nwZ_w©ë`m§H$ZmZwgma {ZîH${f©V hmoUmam Z\$m/VmoQ>m hm Z\$m
VmoQ>m ImVr Xe©{dÊ`mV Ambm Amho. naH$s` MbZmVrb g§^mì` XoUr
hr dfm©AIoarg ""\$m°aoZ EŠñM|O {S>bg© Agmo{gEeZ Am°\$ B§{S>`m''
(\o$S>mB©) `m§Mo {ZX}{eV XamZwgma Xe©{dÊ`mV Amë`m AmhoV.
8) {dbrZrH¥$V/ñdrH¥$V Ho$boë`m BVa ~±Ho$À`m {hemo~m~m~V:
{dbrZrH$aU/ñdrH¥$VrH$aU _§Oya H$aUmè`m àemgH$s` A{YH$mè`m§Zr Or
{Z`_/{hemo~ nÜXVr R>adyZ {Xbobr Amho. Ë`mZwgma qOXJr/XoUr/CËnÞ/
IM© `m {d{dY ~m~tMo {hemo~ R>odÊ`mV Ambo AmhoV. {dbrZrH¥$V/ñdrH¥$V
Ho$boë`m qOXJr/XoUrMr qH$_V [aPd© ~±Ho$À`m _mJ©Xe©H$ gyMZoZwgma nmM
dfm©V {ZañV H$amd`mMr Amho.
9) godH$ \$m`Xo
A) {d_m g§»`memñÌmg AZwgéZ H$mT>Ê`mV Ambobr J«°À`wB©Q>r d aOm {dH«$s_Yrb
dm{f©H$ dJ©Ur hr dfm©AIoarb IM© åhUyZ J¥{hV YaÊ`mV Ambr Amho.
~) {Z`mo{OV dJ©Ur AmamIS>çmZwgma àm°ìhrS>§Q> \§$S>m_Yrb dJ©Ur hr Z\$m
VmoQ>m ImVr IMu Q>mH$Ê`mV Ambr Amho.
..... 38 .....
dm dm{f©H$ Ahdmb
gZ 2016-2017
depreciation.
5.3 The cost of fixed assets represents the written down value
of the assets as on 1st April, 2003 and the subsequent
additions and deletions therefrom.
5.4 Depreciation is charged on Fixed Assets as follows:
i) Computers & Software - on Straight Line Method at
33.33%.
ii) Improvement to Premises - on Straight Line Method at
25%.
iii) Other Fixed Assets :
a) On straight line method at the rates mentioned below as
decided by the management.
1) Air Conditioners - 15% 2) Fax Machines - 20%
3) Boards - 20% 4) ATM Machines - 20%
5) Electrical cabling - 15% 6) Generators - 15%
b) Others - on Written Down Value Method at the rates
decided by the management.
5.5 Depreciation is charged for full or half year on assets
purchased in first half or second half of the year
respectively. Depreciation on assets sold is charged for
half year in case the asset is sold in the second half of the
year and no depreciation is charged in case the asset is
sold in the first half of the year.
6. Revenue Recognition
Items of income and expenditure are accounted on accrual
basis except for Interest on non-performing assets, which
is accounted on cash basis, in pursuance with the extant
guidelines issued by the Reserve Bank of India:
7. “Transaction Denominated in Foreign Currencies are
accounted for at the rates prevailing on the date of
transaction. Foreign Currency asset and liabilities are
translated at the Balance Sheet date at the rates notified by
"Foreign Exchange Dealers Association of India" (FEDAI).
Profit/Losses resulting from year end revaluations are
recognised in the Profit and Loss Account.
Contingent Liabilities denominated in Foreign Currencies
are disclosed at closing rate of exchange notified by
FEDAI.”
8. Accounting in case of Merger/Takeover of Other Banks
Accounting of various items of Assets/Liabilities/Income/
expenses is carried out in the books of the Bank in
accordance with the scheme/order of Merger/Takeover
sanctioned by the Competent Authorities.
The Cost of Acquisition arising out of Merger/Takeover is
amortised over a period of Five Years as per the guidelines
issued by RBI.
9. Employee Benefits
i) Annual contribution to Fund for Gratuity and Leave
Encashment as ascertained on the basis of Actuarial
valuation as at year-end is recognised as expenses.
ii) Contribution to Provident Fund and other funds which in
the nature of a defined contribution plan are charged to
Profit and Loss Account

‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
10) {d^mJdma Ahdmb
[aPd© ~±Ho$À`m _mJ©Xe©H$ VËdm§Zwgma Imbrbà_mUo {d^mJ {Z{üV
H$aÊ`mV Ambo AmhoV.
A) Jw§VdUyH$, Jw§VdUyH$ {dH«$sVyZ Pmbobm Z\$m, ZmUo~mOmamVrb CbmT>mb
`m§Mm g_mdoe H$mofmJma {d^mJmV Ho$bm Amho. A§VJ©V d ~mø {dÎm
C^maUrda Úmdo bmJUmao ì`mO, Jw§VdUwH$sdarb Kgmam/_wXV g§non`ªV
R>odm`À`m Jw§VdUyH$sdarb A{Y^mamMo {ZañVrH$aU B. ~m~tMm A§V^m©d
`m {d^mJmda Pmboë`m IMm©V Ho$bm Amho.
~) H$mofmJmar` n[aMmbZmV g_m{dï> ZmhrV Aem ~m~tMm A§V^m©d AÝ`
A{YH$mofr` n[aMmbZmV Ho$bm Amho.
11) ^mS>oH$ama
~±Ho$Zo Á`m OmJm ^mS>oVÎdmda KoVë`m AmhoV Ë`m§Mo ^mS>o Z\$mVmoQ>m ImVr
IMu Q>mHy$Z AXm Ho$bo Amho.
12) Am`H$a
gÜ`mÀ`m d àb§{~V H$am§Mm A§V^m©d H$amnmoQ>rÀ`m IMmª_Ü`o H$aÊ`mV
Ambm Amho. Am`H$a H$m`Xm 1961 Zwgma gÜ`mÀ`m Am`H$amMr
_moOUr H$a A{YH$mè`m§H$S>o H$a ^aUm H$aUo Ano{jV Amho Aem aH$_obm
Ho$br Amho. Vmio~§XmMr VmaIobm àM{bV Agboë`m H$a AmH$maUr XamZo
_moOUr Ho$boë`m H$anmÌ CËnÞ d {hemo~r `mVrb H$mbmdYrÀ`m \$aH$m_wio
Pmbobm à^md àb§{~V H$am_Ü`o namd{V©V Pmbobm Amho. Á`mdoir
^{dî`H$mim_Ü`o nwaogo CËnÞ {_iob `mMr dmOdr ImÌr Pmbr Amho d ho
CËnÞ àb§{~V H$a _mb_Îmm {ZañV H$aÊ`mgmR>r CnbãY hmoB©b Aer ImÌr
Pmë`mdaM àb§{~V H$a _mb_Îmm _mÝ` H$aÊ`mV Ambr Amho.
13) _mb_ÎmoMr Xw~©bVm :
H$mhr A§VJ©V d ~mø KQ>H$m§_wio Vmio~§XmVrb _mb_ÎmoMr Xw~©bVm
bjmV `oVo. g§M{`V hmoD$Z `oUmar _mb_Îmm dgwbr`mo½` aH$_onojm OmñV
Agë`mg Vr _mb_Îmm Xw~©b hmoVo. Á`mdoir gXa _mb_Îmm Xw~©b Pmë`mMo
bjmV `oB©b Ë`mdfuÀ`m Z\$mVmoQ>m ImË`mg Ë`mnmoQ>r VaVyX Ho$br OmVo.
Oa dgwbr`mo½` aH$_oV ~Xb Pmbm Am{U Xw~©bVogmR>r `mnyduMr Ho$bobr
VaVyX (VmoQ>m) `m§Mm `mo½` Vmo O_mIM© Mmby dfm©V Ho$bm OmVmo.
14) VaVwXr / g§^mì` XoUr :
_mJrb H$mimVrb KQ>Zm§da AmYm[aV ~±Ho$Mr XoUr {Z{üV Ho$br OmVmV
d Ë`mAmYmao Am{W©H$ VaVwXr Ho$ë`m OmVmV. gXa {Z{üV Ho$boë`m
XoÊ`m§gmR>r Amdí`H$ A§XmO H$éZ Xo` aH$_m§Mr VaVyX Ho$br OmVo. gXa
VaVwXr R>a{dVmZm ^{dî`mVrb XoÊ`m§Mr gÜ`mMr qH$_V {dMmamV Z KoVm
Vmio~§XmÀ`m VmaIoMr Zo_H$s O~m~Xmar {H$Vr Amho, `mMm A§XmO KoD$Z
VaVwXr Ho$ë`m AmhoV. g§^mì` XoÊ`m§Mr _m{hVr XoVmZm _mJrb H$mimVrb
KQ>Zm§da AmYm[aV O~m~XmarMm {dMma Ho$bm Agbm Var, ^{dî`mVrb
KQ>Zm KS>Vrb AWdm Zmhr `m Jmoï>r ~±Ho$À`m {Z`§ÌUm~mhoa Agë`mZo gXa
Am{W©H$ O~m~Xmar H$Yr d {H$Vr aH$_oMr `oD$ eH$Vo ho Z¸$s R>a{dVm
`oV Zmhr. Ë`m_wio gXa g§^mì` XoUr {Z{üV H$aVmZm Ho$di Vmio~§XmÀ`m
VmaIoÀ`m n[apñWVrMm {dMma Ho$bm Amho.
Am{W©H$ Xe©H$m§_Ü`o g§^mì` `oUr {Z{üV AWdm Z_yX H$aÊ`mV `oV
ZmhrV.
15) AmH$pñ‘H$ {ZYr amIyZ R>odUo
~±Ho$Zo é. 85.95 bmI a¸$‘oÀ`m g§e`rV `oUoMr (ghm ‘{hÝ`m§nojm
A{YH$ àb§{~V) VaVwX AmH$pñ‘H$ {ZYr Imbr Ho$br Amho.
..... 39 .....
dm dm{f©H$ Ahdmb
gZ 2016-2017
10. Segment Reporting
In accordance with the guidelines issued by Reserve Bank
of India, the segments are ascertained as under:
i) Treasury includes all investment portfolio, profit/loss on
sale of investments and money market operations. The
expenses on this segment consist of interest on external
borrowings as well as internal sources and depreciation/
amortisation of premium on HTM category investments.
ii) Other Banking operations include all other operations not
covered under Treasury Operations.
11. Leases
Operating Leases where the bank’s lessor effectively
retains substantially all the risks and benefits of ownership
of the leased term are classified as operating leases.
Operating lease payments are recognised as an expense
in the statement of profit & loss over the lease term.
12. Income Tax
Tax expenses comprise of Current and Deferred taxes.
Current Income Tax is measured at the amount expected
to be paid to tax authorities as per Income Tax Act,1961.
Deferred Tax reflects the impact of timing differences between
taxable income and accounting income measured at tax rates
applicable on the Balance Sheet date. Deferred Tax Assets
are recognised only to the extent that there is reasonable
certainty that sufficient future income will be available against
which such deferred tax assets can be realised.
13. Impairment of Assets
The carrying amount of assets is reviewed at each
balance sheet date if there is any indication of impairment
based on internal / external factors. An asset is impaired
when the carrying amount of the assets exceeds the
recoverable amount. An impairment loss is charged to
the Profit and Loss Account in the year in which the asset
is identified as impaired. An impairment loss recognised
in prior accounting periods is reversed if there has been
change in the estimate of the recoverable amount.
14. Provisioning and Contingent Liabilities
A provision is recognised when the bank has a present
obligation as a result of past event; it is probable that outflow
of resources will be required to settle the obligation, in respect
of which a reliable estimate can be made. Provisions are not
discounted to its present value and are determined based on
the best estimate required to settle the obligation at the balance
sheet date. These are reviewed at each balance sheet date
and adjusted to reflect the current best estimates.
Disclosure of a contingent liability is made when there is
a possible obligation that arises from past events and the
exsistance of which will be confirmed by the occurance
or non-occurance of one or more uncertain future events
beyond the control of the bank or a present obligation that
arises from past events but it is not probable that an outflow of
resources will be required to settle the obligation or a reliable
estimate of the amount of the obligation can not be made.
Contingent Assets are neither recognised nor disclosed in
the financial statements.
15. Contigency Reserve
Bank has acknowledged Doubtful Receivables of Rs. 85.95
lakh (pending for more than six months) which have been
provided for.
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

B. DISCLOSURE AS PER RBI GUIDELINES

Sr. Particulars AMOUNT AMOUNT
No. 31-03-2017 31-03-2016

1 Capital To Risk Asset Ratio 12.97% 13.90%

2 Capital Adequacy Ratio Tier I Capital 7.29% 8.12%

3 Capital Adequacy Ratio Tier II Capital 5.68% 5.78%

MOVEMENT OF CRAR (Rs.in lakhs) (Rs.in lakhs)

A. Tier I Capital 33226.78 36276.51

B. Tier II Capital 25924.57 25816.79

C. Risk Weighted Assets 455978.49 446577.69

4 VALUES OF INVESTMENTS

A. Govt. Securities (Market Value) 259653.01 226510.36

B. Other Trustee Securities (Market Value) 0.00 0.00

C. Shares (Market Value) 295.75 294.77

D. Bonds (Market Value) 39566.74 31542.38

E. Certificate of Deposit (Market Value) 0.00 0.00

F. Commercial Paper 0.00 0.00

G. Mutual Fund (Market Value) 809.39 772.82

Total Market Value 300324.89 259120.34

Total Face Value 290931.02 254617.74

Total Book Value 276846.90 258223.32

5 Advances Against Shares & Debentures 115.98 81.12

6 Lending To Sensitive Sectors

A. Real Estate & Construction Business 70386.39 47778.27

B. Housing 44769.74 39248.26

7 Advances To Directors & Their Relatives,

Companies/Firms in which they are interested

Fund Based : 1. To Directors 0.00 0.00

2. To Relatives Of Directors 1.53 3.72

(Against FDRs)

Non Fund Based : 1. To Directors 0.00 0.00

2. To Relatives Of Directors 0.00 0.00

..... 40 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
~. [aPìh© ~±Ho$À`m _mJ©Xe©ZmZwgma Amdí`H$ n[a{eï>
A. a¸$_ a¸$_
H«$. Vnerb 31/3/17 31/3/16
1 ^m§S>db n`m©áVm JwUmoÎma 12.97% 13.90%
2 ^m§S>db ñVa - 1 7.29% 8.12%
3 ^m§S>db ñVa - 2 5.68% 5.78%
^m§S>db n`m©áVm JwUmoÎmam_Yrb ~Xb (a¸$_ bmIm§V) (a¸$_ bmIm§V)
A) ñVa -1 ^m§S>db 33226.78 36276.51
~) ñVa - 2 ^m§S>db 25924.57 25816.79
H$) OmoI_rMr _mb_Îmm 455978.49 446577.69
4 Jw§VdUyH$ _yë`m§H$Z
A) gaH$mar H$O© amoIo (~mOma _yë`) 259653.01 226510.36
~ ) H|$Ð d amÁ` gaH$maZo h_r {Xbobo _mÝ`Vmàmá 0.00 0.00
H$O©amoIo (~mOma _yë`)
H$) eoAg© (~mOma _yë`) 295.75 294.77
S> ) ~m°ÊS>g² (~mOma _yë`) 39566.74 31542.38
B) {S>nm°{PQ> gQ>u{\$Ho$Q> (~mOma _yë`) 0.00 0.00
\$) H$_{e©`b nona 0.00 0.00
J) å`wÀ`wAb \§$S> (~mOma _yë`) 809.39 772.82
EHy$U (~mOma _yë`) 300324.89 259120.34
EHy$U Xe©Zr _yë` 290931.02 254617.74
EHy$U nwñVH$s _yë` 276846.90 258223.32
5 eoAg© VmaU H$O} 115.98 81.12
6 g§doXZj_ H$O}
A) [aAb BñQ>oQ> d {~ëS>a nVnwadR>m 70386.39 47778.27
~) J¥h H$O© 44769.74 39248.26
7 g§MmbH$ d Ë`m§Mo ZmVodmB©H$m§Zm VgoM Vo ñdmañ` Agboë`m
H§$nÝ`m/g§ñWm `m§Zm AXm Ho$bobr H$O©
àË`j H$O© - 1. g§MmbH$ 0.00 0.00
2. g§MmbH$m§Mo ZmVodmB©H$ (_wXVR>odr VmaUmda) 1.53 3.72
AàË`j H$O© - 1. g§MmbH$ 0.00 0.00
2. g§MmbH$m§Mo ZmVodmB©H$ 0.00 0.00

..... 41 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

Sr. Particulars AMOUNT AMOUNT

No. 31-03-2017 31-03-2016

(Rs. in Lakhs) (Rs. in Lakhs)

Remuneration To Key Management Personnel 17.08 15.60
8 DEPOSITS

% Of High Cost Deposits To Total Deposits 78.19% 81.24%

Average Cost Of Deposit 7.64% 8.34%
9 N.P.A.

A. Gross NPAs 51150.46 23255.78

B. Net NPAs 26620.04 11326.58
% Of Gross NPAs To Total Advances 8.99% 4.54%
% Of Net NPAs To Net Advances 4.89% 2.26%

10 MOVEMENT IN NPAs

Opening Balance 23255.78 12738.48

ADD : New A/c During The Year 32265.01 14150.53
Increase in existing A/c 510.62 648.45
Total 56031.41 27537.46
LESS : Closed/Recovered 4712.06 4281.68
LESS : Written Off 168.89 0.00
Closing Balance 51150.46 23255.78

11 PROFIT AND LOSS ACCOUNT

A. Interest Income As a Percentage Of Working Funds 9.30% 10.10%

B. Non Interest Income As a Percentage Of Working Funds 0.67% 0.39%
C. Operating Profit As a Percentage Of Working Funds 1.46% 1.53%
D. Return On Assets 0.39% 0.76%
E. Business (Deposits+Advances) Per Employee 1116.11 1233.63
F. Operating Profit Per Employee 10.71 12.58

..... 42 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$

A. a¸$_ a¸$_
H«$. Vnerb 31/3/17 31/3/16
(a¸$_ bmIm§V) (a¸$_ bmIm§V)
~±Ho$À`m _w»` ì`dñWmnZmVrb A{YH$mè`m§Mo doVZ 17.08 15.60
8 R>odr
A{YH$ ì`mOmÀ`m R>odr§Mo EHy$U R>odr§er JwUmoÎma 78.19% 81.24%
R>odtMm gamgar ì`mOXa 7.64% 8.34%
9 AZwËnm{XV H$O©
A. EHy$U AZwËnm{XV H$O© 51150.46 23255.78
~. {Zìdi AZwËnm{XV H$O© 26620.04 11326.58
EHy$U H$Om©er AZwËnm{XV H$Om©Mr Q>¸o$dmar 8.99% 4.54%
EHy$U H$Om©er {Zìdi AZwËnm{XV H$Om©Mr Q>¸o$dmar 4.89% 2.26%
10 AZwËnm{XV H$Om©_Yrb ~Xb
gwédmVrMr ~mH$s 23255.78 12738.48
Am{W©H$ dfm©V dmT>bobr ImVr 32265.01 14150.53
nyduÀ`m ImË`m§_Yrb dmT> 510.62 648.45
EHy$U 56031.41 27537.46
dOm - dgwbr 4712.06 4281.68
dOm - {ZañV 168.89 0.00
AIoaMr {e„H$ 51150.46 23255.78
11 Z\$m VmoQ>m
A. ì`mO CËnÞmMo IoiË`m {ZYrer à_mU 9.30% 10.10%
~. ì`mOXa CËnÞmMo IoiË`m {ZYrer à_mU 0.67% 0.39%
H$. T>mo~i Zâ`mMo IoiË`m ^m§S>dbmer à_mU 1.46% 1.53%
S>. qOXJrdarb CËnÞmMo à_mU 0.39% 0.76%
B©. à{V godH$ ì`dgm` 1116.11 1233.63
\$. à{V goodH$ T>mo~i Z\$m 10.71 12.58

..... 43 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

Sr. Particulars AMOUNT AMOUNT

No. 31-03-2017 31-03-2016
(Rs. in Lakhs) (Rs. in Lakhs)
12 Provisions Made during the year towards
A) NPA 9974.14 3658.87
B) Standard Assets 331.71 0.00
C) Depreciation on Investments 0.00 0.00
13 MOVEMENT IN PROVISIONS
A. Towards NPA :
Opening Balance 11929.20 8311.65
ADD: Additions During The Year 13099.90 3658.87
Total 25029.10 11970.52
LESS: Closed/Recovered 329.79 41.32
LESS : Written Off 168.89 0.00
Closing Balance 24530.42 11929.20
B. Towards Depreciation On Investments :
Opening Balance 231.97 806.97
ADD: Additions During The Year 30.38 0.00
262.35 806.97

LESS : Provision no more required (written back) 250.00 575.00

Closing Balance 12.35 231.97
C. Standard Assets :
Opening Balance 2029.24 2029.24
ADD: Additions During The Year 332.16 0.00
LESS : Reduction During The Year 134.01 0.00
Closing Balance 2227.39 2029.24
14 DEAF Amount (RBI Cir.No.RBI/2013-14/614 dt.27/5/14)
Opening Balance of amount transferred to DEAF 804.49 745.06
ADD : Amount transferred to DEAF during the year 34.78 59.43
LESS : Amount reimbursed by DEAF towards claims 37.21 0.00
Closing Balance of amount transferred to DEAF 802.06 804.49
15 Payment of DICGC Insurance Premium paid 824.55 755.23
16 (A) Penalty imposed by RBI 0.00 0.04
(B) Penalty imposed by IRDA 0.00 0.00
17 FOREIGN CURRENCY ASSETS & LIABILITIES
NRE Deposit 211.33 135.45

..... 44 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$

A. a¸$_ a¸$_
H«$. Vnerb 31/3/17 31/3/16
(a¸$_ é. bmIm§V) (a¸$_ é. bmIm§V)
12 Mmby dfm©V Ho$boë`m VaVyXr
A. AZwËnm{XV H$O} 9974.14 3658.87
~. XO}Xma H$O} 331.71 0.00
H$. Jw§VdUwH$sdarb Kgmam 0.00 0.00
13 VaVwXr_Yrb ~Xb -
A. AZwËnm{XV H$Om©darb -
gwédmVrMr ~mH$s 11929.20 8311.65
Zì`mZo dmT> Pmbobr a¸$_ 13099.90 3658.87
EHy$U 25029.10 11970.52
dOm - dgwbr 329.79 41.32
dOm - {ZañV 168.89 0.00
AIoaMr {e„H$ 24530.42 11929.20
~. Jw§VdUwH$sdarb Kgmam -
gwédmVrMr ~mH$s 231.97 806.97
A{YH$ - Zì`mZo dmT> Pmbobr a¸$_ 30.38 0.00

262.35 806.97
dOm - Amdí`H$Vm Zgbobr VaVyX naV 250.00 575.00
AIoaMr ~mH$s 12.35 231.97
H$. XO}Xma H$O} -
gwédmVrMr ~mH$s 2029.24 2029.24
A{YH$ - Am{W©H$ dfm©V Zì`mZo dmT>bobr a¸$_ 332.16 0.00
dOm - Am{W©H$ dfm©V H$_r Pmbobr a¸$_ 134.01 0.00
EHy$U 2227.39 2029.24
14 S>r\$ a¸$_ ([aPìh© ~±H$ n[anÌH$ H«$.Ama~rAm`/2013-14
614/{X. 27/05/2014)
gwédmVrMr a¸$_ S>r\$ ImVr dJ© 804.49 745.06
A{YH$-Am{W©H$ dfm©V S>r\$ ImVr dJ© Ho$bobr a¸$_ 34.78 59.43
dOm-Am{W©H$ dfm©V [aPìh© ~±Ho$H$Sy>Z Šbo_gmR>r {_imbobr a¸$_ 37.21 0.00
EHy$U 802.06 804.49
15 S>r.Am`.gr.Or.gr. {d_m {à{_`_ a¸$_ 824.55 755.23
16 (A) [aPd© ~±H$ Am°\$ B§{S>`m `m§Zr bmJy Ho$bobm Am{W©H$ X§S> 0.00 0.04
(~) Am`.Ama.S>r.E. `m§Zr bmJy Ho$bobm Am{W©H$ X§S> 0.00 0.00
17 {dXoer MbZmVrb qOXJr _mb_Îmm
EZAmaB© {S>nm°{PQ> 211.33 135.45

..... 45 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

18. ADDITIONAL DISCLOSUERS - INVESTMENTS

(A) ISSUER COMPOSITION OF NON SLR INVESTMENTS (Rs.in lakhs)

No. Issuer Amount Extent of Extent of Extent of

‘below ‘unrated ‘unlisted
investment securities’ securities’
grade’
securities
15-16 16-17 15-16 16-17 15-16 16-17 15-16 16-17

1 PSUs 4395.00 4128.00 0 0 0 0 0 0

2 FIs 11619.31 12419.31 0 0 0 0 0 0

3 Nationalised Banks 18037.25 18937.33 0 0 0 0 0 0

4 Mutual Fund 750.00 750.00 0 0 0 0 0 0

5 Others 24019.84 27760.01 0 0 0 0 0 0

Total 58821.40 63994.65 0 0 0 0 0 0

6 Provision held
towards depreciation 0.07 12.07

(B) NON PERFORMING NON SLR INVESTMENTS

(Rs.in lakhs)

Particulars Amount

15-16 16-17

Opening Balance 0.07 0.07

Additional during the year 0.00 12.00

Reduction/Write Off during the year 0.00 0.00

Closing Balance 0.07 12.07

Total provisions held 0.07 12.07

..... 46 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
18. A{V[aº$ n[a{eï> (Jw§VdUyyH$)
A) Zm°Z-Eg.Eb.Ama. Jw§VdUwH$sMm Vnerb (é. bmIm§V)

A.H«$. Vnerb a¸$_ H$_r XOm©Mr Jw§VdUyH$ A_mZm§H$sV

Jw§VdUyH$ Z Zm|Xdboë`m J§wVdUwH$s

15-16 16-17 15-16 16-17 15-16 16-17 15-16 16-17

1 npãbH$ goŠQ>a A§S>aQ>oqH$½O² 4395.00 4128.00 0 0 0 0 0 0

2 Am{W©H$ g§ñWm 11619.31 12419.31 0 0 0 0 0 0

3 amï´>r{`H¥$V ~±H$m 18037.25 18937.33 0 0 0 0 0 0

4 å`wÀ`wAb \§$S> 750.00 750.00 0 0 0 0 0 0

5 AÝ` 24019.84 27760.01 0 0 0 0 0 0

EHy$U 58821.40 63994.65 0 0 0 0 0 0

6 VaVyX 0.07 12.07

~) AZwËnm{XV Zm°Z-Eg. Eb. Ama. Jw§VdUyH$ (é. bmIm§V)

Vnerb a¸$_
15-16 16-17
gwédmVrMr ~mH$s 0.07 0.07
Mmby dfm©Vrb O_m a¸$_ 0.00 12.00
darb H$mbmdYrV dOm Pmbobr a¸$_ 0.00 0.00
AIoaMr {e„H$ 0.07 12.07
EHy$U VaVyX 0.07 12.07

..... 47 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

(C) REPOS AND REVERSE REPOS (Rs.in lakhs)

Maximum
Minimum outstanding Daily Average
Particulars outstanding during the year outstanding Balance
during the year during the year *

15-16 16-17 15-16 16-17 15-16 16-17 15-16 16-17

A) Securities Sold Under 998.05 1800.32 25623.40 6003.11 2963.29 318.46 00.00 00.00
Repos
i) Govt. Securities 998.05 1800.32 25623.40 6003.11 2963.29 318.46 0.00 0.00
ii) Corporate Debt 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Securities
i) Securities Purchased 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
under Reverse Repo
ii) Corporate Debt Securities 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
B) Securities Purchased 491.83 95.60 491.83 22750.10 2.69 2205.77 0.00 7000.00
Under Reverse Repos
i) Govt. Securities 491.83 95.60 491.83 22750.10 2.69 2205.77 0.00 7000.00
ii) Corporate Debt Securities 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
i) Securities Purchased 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
under Reverse Repo
ii) Corporate Debt Securities 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

* The average has been worked out on the basis of the total No. of days in the year i.e. 365 days.
REPO working on Book Value.

(D) COLLATERALISED BORROWING & LENDING OBLIGATIONS (CBLO) (Rs.In Lakhs)

Particulars Minimum Maximum Daily Average outstanding

outstanding outstanding Outstanding as on
during the during the during the 31st March
year year year *

15-16 16-17 15-16 16-17 15-16 16-17 2016 2017

Borrowing underCBLO 99.98 99.96 32693.16 29594.71 10431.42 7891.36 7794.38 0.00
Lending under CBLO 149.97 399.86 5598.83 11995.73 350.20 511.61 0.00 0.00

* Notes : The average has been worked out on the basis of the total No. of days in the year i.e. 365 days.
Government Securities of Face Value of Rs.330 Crore pledged for CBLO operations.
Government Securities of Face Value of Rs.20 Crore pledged with Clearing Corporation of India Ltd.
towards S.G. Settlement Margin.
Government Securities of Face Value of Rs. 20 Crore pledged with Reserve Bank of India
for RTGS Intra Day liquidity limit.

E) EXCHANGE TRADED INTEREST RATE FUTURES (IRFs) :

The Bank has not undertaken any transaction of the Exchange Traded Interest Rate Futures.

..... 48 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
H$) aonmo Am{U> [aìhg© aonmo (ê$n`o bmImV)

df©^amVrb
df©^amVrb {H$_mZ df©^amVrb H$_mb
Vnerb X¡Z§{XZ Xo` aH$_oMr eof a¸$_
Xo` a¸$_ Xo` a¸$_
gamgar *
15-16 16-17 15-16 16-17 15-16 16-17 15-16 16-17
A) aonmoO A§VJ©V {dH$boë`m 998.05 1800.32 25623.40 6003.11 2963.29 318.46 00.00 00.00
Jw§VdUyH$
1) gaH$mar amoIo 998.05 1800.32 25623.40 6003.11 2963.29 318.46 0.00 0.00
2) g§`wº$ H$O©amoIo 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
1) [aìhg© aonmo A§VJ©V 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
IaoXr Ho$bobo H$O©amoIo
2) g§`wº$ H$O© amoIo 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
~) [aìhg© aonmoO A§VJ©V IaoXr 491.83 95.60 491.83 22750.10 2.69 2205.77 0.00 7000.00
Ho$bobr Jw§VdUyH$
1) gaH$mar amoIo 491.83 95.60 491.83 22750.10 2.69 2205.77 0.00 7000.00
2) g§`wº$ H$O©amoIo 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
1) [aìhg© aonmo A§VJ©V IaoXr Ho$bobo 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
H$O©amoIo
2) g§`wº$ H$O© amoIo 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
* df©^amV EHy$U Pmboë`m ì`dhma{XZm§À`m g§»`oZwgma gamgar H$mT>Ê`mV Ambr Amho. aonmoMo dH$sªJ nwñVH$s qH$_Vrà_mUo KoVbo Amho.

S>) VmaUmda KoVboë`m AWdm {Xboë`m CMbtMo ~§YZ (ê$n`o bmImV)

Vnerb df©^amVrb {H$_mZ df©^amVrb H$_mb df©^amVrb {XZm§H$ 31 ‘mM©

Xo` a¸$_ Xo` a¸$_ X¡Z§{XZ Xo` aH$_oMr AIoarb
gamgar eof a¸$‘
15-16 16-17 15-16 16-17 15-16 16-17 2016 2017
gr~rEbAmo A§VJ©V KoVbobr CMb 99.98 99.96 32693.16 29594.71 10431.42 7891.36 7794.38 0.00
gr~rEbAmo A§VJ©V {Xbobr CMb 149.97 399.86 5598.83 11995.73 350.20 511.61 0.00 0.00

Q>rn :
* df©^amV EHy$U Pmboë`m ì`dhma{XZm§À`m g§»`oZwgma gamgar H$mT>Ê`mV Ambr Amho.
* gr~rEbAmo n[aMmbZmgmR>r ê$.330.00 H$moQ>r Xe©Zr qH$_VrMo gaH$mar amoIo VmaU R>odbo AmhoV.
* pŠbA[a¨J H$m°nm}aoeZ Am°\$ B§{S>`m `m§MoH$S>o gaH$mar H$O©amoIo d ZmUo~mOma ì`dhmam§Mo g_memoYZmÀ`m gwajm Xwamì`mnmoQ>r ê$.20.00 H$moQ>r Xe©Zr qH$_VrMo gaH$mar
amoIo VmaU R>odbo AmhoV.
* AmaQ>rOrEg BÝQ´>m S>o {bpŠdS>rQ>r {b{_Q>gmR>r [aPd© ~±H$ Am°\$ B§{S>`m `m§MoH$S>o ê$.20 H$moQ>r Xe©Zr qH$_VrMo gaH$mar amoI VmaU R>odbo AmhoV.

B) ^m§S>db ~mOmamV ì`mnma hmoUmao ì`mOXa dm`Xo :

^m§S>db ~mOmamV ì`mnma hmoUmè`m ì`mOXa dm`Úm§Mm ì`dhma ~±Ho$Zo Ho$bobm Zmhr.

..... 49 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

C. Notes :

1. Segment Reporting:

Disclosure of Primary Segmentwise reporting as per Accounting Standard 17 is as follows : (Rs.in lakhs)

Particulars Treasury Other Banking Total

Operations
Segment Revenue 29084.55 63972.10 93056.66
Segment Cost 21925.55 57537.13 79462.68
Operating Profit/Loss 7159.01 6434.97 13593.98
Less : Extraordinary Items (250.00) 6095.38 5845.38
Net Result 7409.01 339.60 7748.60
Income Tax 3955.55 181.31 4136.86
Net Profit 3453.45 158.29 3611.74
Other Information
Segment Assets 373465.16 595606.80 969071.95
Unallocated Assets 0.00 3758.75 3758.75
Total Assets 373465.16 599365.54 972830.70
Segment Liabilities 27911.74 646715.53 674627.27
Unallocated Liabilities 0.00 20739.59 20739.59
Total Liabilities 27911.74 667455.11 695366.85
Since the Bank caters to the needs of Indian Customers, information regarding Secondary Segment
(geographical) is not applicable.

2. Related parties transactions Disclosures required under Accounting Standard 18-Key Management Personnel
- 1) Mr.J.M. Ketkar - 1/4/2016 to 31/8/2016
2) Mr.J.K. Kakatkar - Chief Executive Officer - 2/9/2016 to 31/3/2017.
The details of transactions with Key Management Personnel are not given in view of the R.B.I. Circular
dated 29th March,2003.

3. Operating Leases

The Bank has entered in to lease agreements with various parties. The total of future minimum lease
payments under non-cancellable operating leases are as follows:
i) Not later than one year Rs.14,09,32,925.00
ii) Later than one year but not later than five years Rs.54,89,81,558.00
iii) Later than five years Rs.30,05,12,597.00
iv) Lease Payment recognised in Profit and Loss Account Rs.13,69,11,298.00

..... 50 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
H$)
1) ì`dgm`{Zhm` _hgyb {d^mJUrMm Vnerb

{heo~r _mZX§S> H«$.17 AÝd`o Amdí`H$ Agbobr _m{hVr nwT>rbà_mUo :

(ê$n`o bmImV)

Vnerb H$mofmJmar` AÝ` ~±qH$J n[aMmbZm EHy$U

_hgyb nmgyZ {_imbobo _hgyb
EHy$U _hgwbr O_m 29084.55 63972.10 93056.66
{d^m{OV IM© 21925.55 57537.13 79462.68
n[aMmbZmnmgyZMm Z\$m/VmoQ>m 7159.01 6434.97 13593.98
dOm : n[aMmbZ ~mø VaVyX (250.00) 6095.38 5845.38
Zº$ Am{W©H$ {ZîH$f© 7409.01 339.60 7748.60
Am`H$a 3955.55 181.31 4136.86
Zº$ Z\$m 3453.45 158.29 3611.74
AÝ` _m{hVr
{d^m{OV qOXJr/_mb_Îmm 373465.16 595606.80 969071.95
A{d^m{OV qOXJr/_mb_Îmm 0.00 3758.75 3758.75
EHy$U qOXJr/_mb_Îmm 373465.16 599365.54 972830.70
{d^m{OV XoUr 27911.74 646715.53 674627.27
A{d^m{OV XoUr 0.00 20739.59 20739.59
EHy$U XoUr 27911.74 667455.11 695366.85

2) {heo~r _mZX§S> H«$.18 AÝd`o Amdí`H$ Agbobo g§~§{YVm§À`m ì`dhmam§Mr _m{hVr

ì`dñWmnZmVrb à_wI A{YH$mar

_w»` H$m`©H$mar A{YH$mar - 1) lr.O.‘. Ho$VH$a - {X.01/04/2016 Vo {X.31/08/2016
2) lr.O.H$m.H$mH$VH$a - {X.02/09/2016 Vo {X.31/03/2017
[aPd© ~±H$ Am°\$ B§{S>`mÀ`m {X.29.3.2003 À`m n[anÌH$mZwgma _w»` ì`dñWmnZ A{YH$mè`m§À`m ì`dhmam§Mr _m{hVr {Xbobr Zmhr.

3) H$m`m©pÝdV Agbobo ^mS>o H$ama

~±Ho$Zo doJdoJi`m ì`º$ter ^mS>o H$ama Ho$bobo AmhoV. ^mS>oVÎdmdarb XoÊ`m§Mr ^{dî`H$mbrZ nÕVrMr
{dJVdmar Imbrbà_mUo XoV AmhmoV.
A) 1 dfm©n`ªV é. 14,09,32,925.00
~) 1 Vo 5 dfmªn`ªV é. 54,89,81,558.00
H$) 5 dfmªMo nwT>o é. 30,05,12,597.00
S>) Z\$mVmoQ>m ImË`m_Ü`o ^mS>oH$amamnmoQ>r _mÝ` Ho$bobr XoUr é. 13,69,11,298.00

..... 51 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

4. Retirement Benefits - Accounting Standard 15 (Revised)

(As certified by the Actuary)
(Rs.in lakhs)

SR PARTICULARS Leave Encashment Gratuity

2016-17 2015-16 2016-17 2015-16

i) Discount Rate 7.30% 8.00% 7.30% 8.00%

ii) Expected return on plan assets 9.00% 9.00% 8.95% 8.95%

iii) Changes in present value of obligations (PVO)

PVO at the beginning 1790.05 1712.02 4371.69 3935.08

Interest Cost 136.46 128.03 334.64 294.37

Current Service Cost 153.35 137.60 370.92 368.56

Benefits paid (168.61) (119.94) (377.32) (273.49)

Actuarial (gain)/loss on obligations (136.00) (67.66) (50.11) 47.17

PVO at the end 1775.24 1790.05 4649.83 4371.69

iv) Changes in fair value of Plan Assets (FVPA)

FVPA at the beginning 1961.60 1819.10 4372.33 3935.56

Expected return on plan assets 163.71 163.71 375.43 339.40

Contributions 168.61 119.94 280.00 397.00

Benefits paid (168.61) (119.94) (377.32) (273.49)

Actuarial gain/(loss on plan assets) (23.16) (21.16) (10.93) (26.14)

FVPA at the end 1959.61 1961.60 4370.68 4372.33

v) Amount recognised in Balance Sheet

Present value of obligations 1775.24 1790.05 4649.83 4371.69

Fair value of Plan assets 1959.61 1961.60 4370.68 4372.33

Assets/(Liability) (184.37) 171.55 0.85 0.64

vi) Expenses recognised in Profit & Loss Account

Current service cost 153.35 137.60 370.92 368.56

Interest cost 136.46 128.03 334.64 294.37

Expected return on plan assets (163.71) (163.71) (375.44) (339.40)

Net actuarial (gain)/loss (112.85) (46.50) (39.70) 73.31

Expenses recognised 13.24 55.42 269.15 396.84

..... 52 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
4) godm{Zd¥Îmr bm^ {hemo~r _mZX§S> H«$.15 (gwYm[aV)
({d_m g§»`m emñÌkm§H$Sy>Z à_m{UV Ho$ë`mZwgma)
(ê$n`o bmImV)
H«$. Vnerb aOm {dH«$s J«°À`wB©Q>r
2016-17 2015-16 2016-17 2015-16
1. H$ga Xa 7.30% 8.00% 7.30% 8.00%
2. {Z`mo{OV _mb_Îmodarb Ano{jV naVmdm 9.00% 9.00% 8.95% 8.95%
3. O~m~XmarÀ`m dV©_mZ _yë`mVrb ~Xb
gwê$dmVrbm Agbobo dV©_mZ _yë` 1790.05 1712.02 4371.69 3935.08
ì`mO IM© 136.46 128.03 334.64 294.37
gÜ`mMm godm IM© 153.35 137.60 370.92 368.56
AXm Ho$bobo bm^ (168.61) (119.94) (377.32) (273.49)
O~m~Xmardarb {d_m g§»`m emñÌr` bm^/VmoQ>m (136.00) (67.66) (50.11) 47.17
AIoaMo dV©_mZ _yë` 1775.24 1790.05 4349.83 4371.69
4. {Z`mo{OV _mb_ÎmoÀ`m dmOdr _yë`mVrb ~Xb
Ama§^rMo dmOdr _yë` 1961.60 1819.10 4372.33 3935.56
{Z`mo{OV _mb_Îmodarb Ano{jV naVmdm 163.71 163.71 375.43 339.40
`moJXmZ 168.61 119.94 280.00 397.00
AXm Ho$bobo bm^ (168.61) (119.94) (377.32) (273.49)
{Z`mo{OV _mb_Îmodarb {d_m g§»`m emñÌr` bm^/VmoQ>m (23.16) (21.16) (10.93) (26.14)
AIoaMo dmOdr _yë` 1959.61 1961.60 4370.68 4372.33
5. Vmio~§Xm_Ü`o {Z{üV Ho$bobr a¸$_
O~m~XmarMo dV©_mZ _yë` 1775.24 1790.05 4649.83 4371.69
{Z`mo{OV _mb_ÎmoMo dmOdr _yë` 1959.61 1961.60 4370.68 4372.33
_mb_Îmm/(XoUo) (184.37) 171.55 0.85 0.64
6. Z\$mVmoQ>m ImË`mV Zmdo Q>mH$bobo IM©
gÜ`mMm godm IM© 153.35 137.60 370.92 368.56
ì`mO IM© 136.46 128.03 334.64 294.37
{Z`mo{OV _mb_Îmodarb Ano{jV naVmdm (163.71) (163.71) (375.44) (339.40)
Zº$ {d_m g§»`m emñÌr` bm^/VmoQ>m (112.85) (46.50) (39.70) 73.31
_mÝ` Ho$bobo IM© 13.24 55.42 269.15 396.84

..... 53 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

5. Deferred Tax Asset (DTA)/Liability (DTL)

Deferred Tax Asset (DTA)/Liability (DTL) is accounted for in respect of timing differences between taxable income

and accounting income, as per Accounting Standard - AS - 22 issued by The Institute of Chartered Accountants of

India. Details of DTA/DTL are as under.

(Rs.in lakhs)

Particulars 2016-17 2015-16

Balance of DTA (Net) as on 1.4.2016 3237.30 2325.37

Add: Asset Recognised during the year 3052.29 1021.56

Less: Reversal of Asset during the year 143.92 109.63

Balance of DTA (Net) as on 31.3.2017 6145.67 3237.30

The major components of Deferred Tax Asset are as under:-

(Rs.in lakhs)

SL. No. Particulars 2016-17 2015-16

1 Deferred Tax Assets 3237.30

A Provision for Loans and Advances 2929.22 3149.16

B Depreciation on Fixed Assets 13.14 197.77

Sub Total (1) 6179.66 3346.93

2 Deferred Tax Liabilities 33.99

A Special Reserve u/s.36(1) (viii) of the Income-tax

Act,1961 0.00 109.63

Sub Total (2) 33.99 109.63

Net Deferred Tax Asset 6145.67 3237.30

6. The Bank has ascertained that there is no material impairment of any of its assets and as such no provision under

Accounting Standard 28 issued by ICAI is required.

7. Supplier/Service Providers covered under Micro, Small, Medium Enterprises Development Act 2006 have not

furnished the information regarding filing of necessary memorandum with the appropriate authority. Therefore,

information relating to cases of delays in payments to Micro and Small Enterprises or of interest payments due to

delays in such payments, could not be given.

..... 54 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
5) àb§{~V H$a qOXJr/XoUr
àb§{~V H$a qOXJr Am{U XoUr {ZpíMV H$aVmZm Ë`m BpÝñQ>Q>çyQ> Am°’$ MmQ>©S>© AH$m¡Q>§Q>g² `m§Mo {hemo~ ‘mZX§S> H«$.22 à‘mUo H$anmÌ CËnÞ Am{U {heo~r CËnÞ
`m‘Yrb ""Q>m`q‘J {S>’$aÝg'' åhUyZ Xe©{dÊ`mV Ambo Amho.

(ê$n`o bmImV)

Vnerb 2016-17 2015-16

àb§{~V H$a qOXJr {X.1.4.2016 amoOr 3237.30 2325.37
A{YH$ : Zì`mZo dmT> Pmbobr qOXJr 3052.29 1021.56
dOm$ : Am{W©H$ dfm©V H$_r Pmbobr qOXJr 143.92 109.63
àb§{~V H$a qOXJr {X.31.3.2017 amoOr 6145.67 3237.30

àb§{~V H$a qOXJr/XoUrMo _hËdmMo KQ>H$ nwT>rbà_mUo :

(ê$n`o bmImV)

A.H«$. Vnerb 2016-17 2015-16

1 àb§{~V H$a qOXJr 3237.30

A H$Om©darb VaVyX 2929.22 3149.16
~ O§J_ _mb_Îmodarb Kgmam 13.14 197.77
EHy$U (1) 6179.66 3346.93
2 àb§{~V H$a XoUr 33.99
A Am`H$a H$m`Xm 1961 Zwgma H$b_ H«$.36(1) {deof {ZYr 0.00 109.63
EHy$U (2) 33.99 109.63

{Zìdi àb§{~V H$a qOXJr 6145.67 3237.30

6) ~±Ho$À`m qOXJr_Ü`o H$moUË`mhr àH$mao KQ> AWdm Xmof {Z_m©U Pmbobo ZmhrV. `mMr ehm{Zem ~±Ho$Zo Ho$br AgyZ {hemo~r _mZX§S> H«$_m§H$ 28 Zwgma VaVyX
H$aÊ`mMr Amdí`H$Vm Zmhr.

7) gyú_, bKw, _Ü`_ CÚmoJ {dH$mg H$m`Xm 2006 À`m H$m`©joÌmV `oUmè`m nwadR>mXma/godm nwa{dUmè`m§Zr Amdí`H$ Ë`m gj_ àm{YH$mè`m§H$S>o Amdí`H$ Vr _m{hVr d
kmnZo Zm|X{dbobr Zgë`m_wio gyú_ d bKw CÚmoJm§Zm Xo` Agboë`m aH$_m AXm H$aÊ`mg Pmbobm {db§~ qH$dm Ë`mdarb Xo` ì`mO d Vo AXm H$aÊ`mg Pmbobm
{db§~ `mMr _m{hVr XoVm `oV Zmhr.

..... 55 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

8. Disclosures Regarding Restructured Advances

Details of loans subject to restructuring during the year ended 31st March 2017 are as given below:
(Amt. in lakhs)

Sr. Particulars CDR Housing SME Others

No. Mechanism Loans Debt
restructuring
1 Standard No. of NIL NIL 3 1
Advances Borrowers
subject to Amount - - 1736.81 146.04
restructure outstanding
Diminution - - 103.24 0.00
in the fair value
2 Sub No. of NIL NIL NIL NIL
Standard Borrowers
Advances Amount - - - -
subject to outstanding
restructure Diminution - - - -
in the fair value
3 Doubtful No. of NIL NIL NIL NIL
Advances Borrowers
subject to Amount - - - -
restructure outstanding
Diminution - - - -
in the fair value
4 Total No. of Borrowers NIL NIL 3 1
Amount - - 1736.81 146.04
outstanding
Diminution - - 103.24 0.00
in the fair value

A) This restructured loan constitute about 0.02% of the total advances Rs.569107.79 lakhs as on 31.03.2017. The
diminution in the fair value stated above is fully provided.
B) There are no pending applications from borrowers for Restructuring of Advances received prior to 31.03.2017.

9. Details of Financial Assets sold during the year to SC/RC for Asset reconstruction
Particulars Amount Rs.
F.Y.2016-17 F.Y.2015-16
No. of Accounts 0.00 0.00
Aggregate Value (net of provisions) of account sold to SC/RC 0.00 0.00
Aggregate Consideration 0.00 0.00
Additional consideration realized in respect of account
transferred in earlier year 0.00 0.00
Aggregate gain/loss over net book value 0.00 0.00

..... 56 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
8. nwZ~mªYUr Ho$boë`m H$Om©g§~§Yr Xe©H$
nwZ~mªYUr Ho$boë`m H$Om©Mm {XZm§H$ 31.3.2017 AIoarb Vnerb nwT>rbà_mUo :
(ê$n`o bmImV)

A. Vnerb grS>rAma J¥hH$O© gyú_,_Ü`_ AÝ`

H«$. _oH°${ZP_ bKw CÚmoJ H$O}

1 CÎm_ H$O} H$O©Xma g§»`m {Za§H$ {Za§H$ 3 1

`oUo~mH$s - - 1736.81 146.04

_m\$H$ _yë`mV KQ> - - 103.24 0.00

2 Xwæ`_ H$O} H$O©Xma g§»`m {Za§H$ {Za§H$ {Za§H$ {Za§H$

`oUo~mH$s - - - -

_m\$H$ _yë`mV KQ> - - - -

3 g§e{`V H$O} H$O©Xma g§»`m {Za§H$ {Za§H$ {Za§H$ {Za§H$

`oUo~mH$s - - - -

_m\$H$ _yë`mV KQ> - - - -

4 EHy$U H$O©Xma g§»`m {Za§H$ {Za§H$ 3 1

`oUo~mH$s - - 1736.81 146.04

_m\$H$ _yë`mV KQ> - - 103.24 0.00

A) hr nwZ~mªYUr Ho$bobr {XZm§H$ 31.3.2017 Mr H$O} EHy$U H$O© a¸$‘ é.569107.79 bmImÀ`m 0.02 Q>¸o$ BVH$s AmhoV. Cnamoº$ _m\$H$ _yë`mV KQ>mH$[aVm

Amdí`H$ VaVyX Ho$bobr Amho.

~) {XZm§H$ 31.3.2017 nydu H$Om©Mo nwZ~mªYUrH$[aVm H$moUË`mhr H$O©ImË`m§Mo AO© àb§{~V ZmhrV.

..... 57 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

10. When there is a possible or a present obligation in respect of which the likelyhood of outflow of the resource is
remote, no provision or disclosure is made. Contingent Assets are not recognised in the financial statements.
11. Takeover of Choundeshwari Sahakari Bank Ltd., Ichalkaranji,
During the year 2016-17 the Bank has taken over Choundeshwari Sahakari Bank Ltd., Ichalkaranji, w.e.f. 04/07/2016,
in pursuance of order No.URD/D-4/Janata Bank/Choundeshwari Bank/Merger/ 2016/1209 dated 01/06/2016 from
office of Commissioner for Cooperation and Registrar of Cooperative Societies, Maharashtra State, Pune and Letter
No.DCBR.CO(Merger) No.3634/ 09.16.901/2015-16 dated 13/01/2016 from Hon General Manager, Reserve Bank of
India, and No Objection letter dated 28/04/2016 from Hon Deputy Director (Cooperation), Ministry of Agriculture and
Farmers Welfare, Department of Agriculture, Government of India.
The total cost of acquisition is Rs.1384.73 lakhs which is being written off over a period of 5 years as per RBI
guidelines. During this year an amount of Rs.284.73 lakhs is charged to Profit and Loss Account and thereby balance
to this account is Rs.1100.00 lakhs.
12. General Reserve of Rs.1100.00 lakhs (being not earmarked for any specific purpose) is written back to Profit and
Loss Account.
13. The figures of previous years have been regrouped/rearranged to conform with the current year’s presentation.

As per our report attached
For Shashank Patki &
Associates
Chartered Accountants
FRN - 122054W
As per our report attached
For Kirtane &
Pandit LLP
Chartered Accountants
FRN - 105215W/W100057
As per our report attached For Janata Sahakari
For S.D.Medadkar & Bank
Company Ltd., Pune
Chartered Accountants
FRN - 106128W

(Ruta Chitale) (Sandeep D. Welling) (S.V. Waikar) (J. K. Kakatkar)

Partner Partner Partner Chief Executive Officer
M.No. 111703 M.No. 44576 M.No. 40590
Statutory Auditors Statutory Auditors Statutory Auditors

Place: Pune
Date : 14/07/2017

:: Directors ::
A.K. Khaladkar S.M. Lele
Chairman Vice-chairman

J.L. Kadam S.R. Pandit M.M. Pawar B.R. Khomne

S.G. Mutalik K.K. Shah R.V. Shinde L.A. Pawar

A.V. Bedekar Sou.M.M.Kasabekar V.P. Bhave

..... 58 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
9) Vmio~§Xm§Mo VmaIoÀ`m {Xder Á`m aH$_oMr B{VH$V©ì`Vm {XgV hmoVr Aem ì`dhmamVrb _mJrb KQ>Zm {dMmamV KoD$Z qOXJr d XoUr `m_Ü`o Amdí`H$ Vr VaVyX
Vmio~§XmV Ho$br Amho. na§Vy Ë`m~m~VrV ^{dî`mVrb n[aUm_ bjmV KoVm H$moUVrhr VaVyX Ho$bobr Zmhr. g§^mì` qOXJr/_mb_Îmm Vmio~§XmV Xe©{dbr Zmhr.
10) ñdrH¥$V Ho$boë`m Mm¢S>oídar ghH$mar ~±H$ {b. BMbH$a§Or ~m~V :
2016-17 `m dfm©V ~±Ho$Zo H${_eZa \$m°a H$mo.Am°naoeZ A±S> a{OñQ´>ma Am°\$ H$mo.Am°nao{Q>ìh gmogm`Q>rO _hmamï´> amÁ` `m§Mo Am°S>©a Z§. `w.AmaS>r/S>r-4/OZVm
~±H$/Mm¢S>oídar ~±H$>/‘O©a/2016/1209 {XZm§H$ 01.06.2016 Zwgma VgoM ‘m.OZab ‘°ZoOa, [aPìh© ~±H$, ‘wå~B© `m§Mo nÌ H«$. S>rgr~rAma.grAmo (‘O©a)
Z§. 3634/09.16.901/2015-16 {XZm§H$ 13.01.2016 Zwgma Am{U Ho$§{Ð` H¥$fr d ghH$ma ‘§Ìmb` `m§Mo Zm haH$V nÌmZwgma Mm¢S>oídar ghH$mar ~±H$ {b.
BMbH$a§Or hr ~±H$ {XZm§H$ 04.07.2016 nmgyZ ñdrH¥$V Ho$br Amho.
g§nm{XV Ho$boë`m qOXJr/XoUrMr EHy$U qH$_V ê$.1384.73 bmI BVH$s Amho gXaMr a¸$_ [aPd© ~±H$ Am°\$ B§{S>`m `m§À`m _mJ©Xe©ZmZwgma nwT>rb 5 dfm© ‘Ü`o
{ZañV H$amd`mMr Amho, Ë`mn¡H$s Mmby dfu ê$.284.73 bmI `m dfuÀ`m Z\$mVmoQ>m ImVr IMu XmI{dbr AgyZ gXa ImVr é.1100.00 bmI {e„H$ Amho.
11) gd© gmYmaU {ZYr é.1100.00 bmI (H$moUË`mhr {d{eð> H$maUmgmR>r amIyZ Z R>odbobm) Z’$m VmoQ>m ImVr naV O‘m H$aÊ`mV Ambr Amho.
12) _mJrb dfm©Mr AmH$S>odmar Amdí`H$VoZwgma nwZa©{MV d nwZ{Z©Xo©{eV Ho$bobr Amho.

eem§H$ nËH$s A±S> Agmo. {H$V©Zo A±S n§{S>V EbEbnr Eg.S>r._oS>XH$a A±S> H§$nZr OZVm ghH$mar ~±H$ {b.,nwUo
MmQ>©S>© AH$m¡§Q>§Qg² MmQ>©S>© AH$m¡§Q>§Qg² MmQ>©S>© AH$m¡§Q>§Qg² H$[aVm,
E\$AmaEZ - 122054 S>ãë`w E\$AmaEZ - 105215 S>ãë`w/S>ãë`w E\$AmaEZ - 106128 S>ãbw
100057

(G$Vm {MVio) (g§{Xn dobtJ) ( Eg.ìhr.dmB©H$a) (O.H$m. H$mH$VH$a)

^mJrXma ^mJrXma ^mJrXma _w»` H$m`©H$mar A{YH$mar
E_ Z§.111703 E_ Z§. 44576 E_ Z§. 40590
d¡Ym{ZH$ boImnarjH$ d¡Ym{ZH$ boImnarjH$ d¡Ym{ZH$ boImnarjH$

{R>H$mU : nwUo
{XZm§H$ : 14/07/2017

:: g§MmbH$ ::

A.Ho$. IiXH$a g§._w. bobo

AÜ`j CnmÜ`j

O.b. H$X_ gw.am. n§{S>V _._. ndma {~.am. Imo_Uo

gw.Jw§. _wVm{bH$ {H$.H$m§. ehm am.{d. qeXo b.A§. ndma

A.d. ~oS>oH$a gm¡._._w. H$g~oH$a {d.nw. ^mdo

..... 59 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

Shashank Patki & Associates,
Chartered Accountants,
2, Anil Apartments,
Baner Residency, Baner Road,
Aundh, Pune 411 007.
Kirtane & Pandit LLP,
Chartered Accountants,
5th, Floor, Wing A, Gopal
House, S.No.127/1B/1, Plot
A1, Kothrud, Pune 411 029
S.D. Medadkar & Co.
Chartered Accountants,
56 Happy Apartment, Shastri Road,
Opp. Happy House,
Pune 411 030.

INDEPENDENT AUDITORS’ REPORT

To,
The Members,
Janata Sahakari Bank Ltd.,
Pune

Report on Financial Statements

1. We have audited the accompanying financial statements of Janata Sahakari Bank Ltd., Pune (“the
Bank”),which comprise the Balance Sheet as at 31st March 2017 and Profit & Loss Account and the Cash
Flow Statements for the year then ended, and the summary of significant accounting policies and other
explanatory information.

Management’s Responsibility for the Financial Statements

2. Management is responsible for the preparation of these financial statements that give a true and fair view
of the financial position, financial performance and cash flows of the bank prepared in accordance with
provisions of the Banking Regulations Act, 1949, Multi State Co-operative Societies Act, 2002, guidelines
issued by the Reserve Bank of India and accounting principles generally accepted in India including the
Accounting Standards issued by the Institute of Chartered Accountants of India (ICAI). This responsibility
includes the design, implementation and maintenance of internal controls relevant to the preparation of the
financial statements that are free from material misstatement, whether due to fraud or error.

Auditor’s Responsibility

3. their responsibility is to express an opinion on these financial statements based on our audit. We conducted
our audit in accordance with the Standards on Audit issued by the Institute of Chartered Accountants of India.
Those Standards require that we comply with the ethical requirements and plan and perform the audit to
obtain a reasonable assurance about whether the financial statements are free from material misstatement.
4. An audit involves performing procedure to obtain audit evidence about the amounts and disclosures in the
financial statements. The procedures selected depend on the auditor’s judgement, including the assessment
of the risks of material misstatement of the financial statements, whether due to fraud or error. In making
those risk assessment, the auditors considers internal controls relevant to the Bank’s preparation and fair
presentation of the financial statements in order to design the audit procedures that are appropriate in the
circumstances but not for the purpose of expressing an opinion on the effectiveness of the entity’s internal
control. An audit also includes evaluating the appropriateness of the accounting policies used and the
reasonableness of the accounting estimates made by the management, as well as evaluating the overall
presentation of the financial statements.

..... 60 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
5. We believe that the audit evidence that we have obtained is sufficient and appropriate to provide basis for our
audit opinion.

Opinion

6. In our opinion, and to the best of our information and according to the explanations given to us the said accounts
together with the Notes thereon give the information required by the Banking Regulations Act, 1949, Multi State
Co-operative Societies Act, 2002 and guidelines issued by the Reserve Bank of India in the manner so required
and give a true and fair view in conformity with the accounting principles generally accepted in India:

a. In the case of the Balance Sheet, of the state of affairs of the Bank as at 31st March, 2017;

b. In the case of the Profit and Loss Account, of the profit for the year ended on that date; and

c. In the case of the Cash Flow Statement, of the cash flows for the year ended on that date.

Report on Other Legal & Regulatory Requirements

7. We have obtained all the information and explanations, which to the best of our knowledge and belief were
necessary for the purpose of our audit.

8. In our opinion, proper books of account as required by law have been kept by the Bank so far as appears from
our examination of those books and proper returns adequate for the purpose of audit have been received from
the branches of the Bank.

9. The Financial Statements dealt with by this report are in agreement with the books of account and returns
maintained by the Bank.

10. As required by Section 30(3) of the Banking Regulation Act, 1949,we further report that the transactions of the
Bank, which have come to our notice, have been within the powers of the Bank.

11. In our opinion and according to information and explanations given to us, we have not noticed any material
impropriety or irregularity in the expenditure or in the realisation of money due to the Bank;

12. As per the information and explanations given to us and based on our examination of books of accounts and
other records, we have not come across material instances which need to be reported under rule 27(3) of Multi
State Co-operative Societies Rules, 2002.

13. In our opinion and to the best of our information and according to the explanations given to us, said accounts
read together with the Notes and Accounting policies forming part of accounts give all the information as
required by the Multi-State Co-Operative Societies Act, 2002, and rules made there-under.

As per our report attached As per our report attached As per our report attached
For Shashank Patki & For Kirtane & Pandit LLP For S.D.Medadkar & Co.
Associates Chartered Accountants Chartered Accountants
Chartered Accountants FRN - 105215W/W100057 FRN - 106128W
FRN - 122054W

(Ruta Chitale) (Sandeep D. Welling) (S.V. Waikar)

Partner Partner Partner
M.No. 111703 M.No. 44576 M.No. 40590
Statutory Auditors Statutory Auditors Statutory Auditors
Date : 14-07-2017

..... 61 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

M/s.Shashank Patki & Associates, M/s.Kirtane & Pandit LLP, M/s.S.D. Medadkar & Co.
Chartered Accountants, Chartered Accountants, Chartered Accountants,
2, Anil Apartments, 5th, Floor, Wing A, Gopal 56 Happy Apartment, Shastri Road,
Baner Residency, Baner Road, House, S.No.127/1B/1, Plot Opp. Happy House,
Aundh, Pune 411 007. A1, Kothrud, Pune 411 029 Pune 411 030.

Audit Classification
We have audited the Balance Sheet of Janata Sahakari Bank Limited, Pune as on 31st March 2017 and also
Profit & Loss Account annexed thereto for the year ended on that date and we report that audit class “A” has been
given to the Bank for the year 2016-17, as per norms prescribed for audit classification of urban co-op. banks by
Registrar of Co-op. Societies, Maharashtra State.
As per our report attached As per our report attached As per our report attached
For Shashank Patki & For Kirtane & Pandit LLP For S.D.Medadkar & Co.
Associates Chartered Accountants Chartered Accountants
Chartered Accountants FRN - 105215W/W100057 FRN - 106128W
FRN - 122054W

(Ruta Chitale) (Sandeep D. Welling) (S.V. Waikar)

Partner Partner Partner
M.No. 111703 M.No. 44576 M.No.40590
Statutory Auditors Statutory Auditors Statutory Auditors

Date : 14/07/2017

gd© g^mgXm§Zm Z‘« AmdmhZ

Amnbr ~±H$ {XZm§H$ 29 ‘mM© 2012 nmgyZ ‘ëQ>rñQ>oQ> H$mo.Am°nao{Q>ìh gmogm`Q>r åhUyZ ‘ëQ>rñQ>oQ> gmogm`Q>rO A°ŠQ> 2002 AÝd`o Zm|Xbr Jobr Amho. n[aUm‘r
Amnë`m ~±Ho$bm AmVm amÁ`mÀ`m ghH$ma H$m`ÚmEodOr H|$ÐmÀ`m ‘ëQ>rñQ>oQ> gmogm`Q>rO A°ŠQ> 2002 À`m VaVwXtMo nmbZ H$aUo ~§YZH$maH$ Amho.
g^mgXm§À`m ^¸$‘ nmqR>ã`m‘wioM ~±Ho$Zo Amnë`m H$m‘{JarMm AmboI dmT>Vm R>odbm Amho. ~±Ho$Mo Cn{dYr H$b‘ 9 (S>) Zwgma àË`oH$ g^mgXmZo gbJ 2 df}
~±Ho$H$Sy>Z {H$‘mZ é. 5,000/- (én`o nmM hOma ‘mÌ) Mr H$moUVrhr godm Ogo R>odr, H$O} d AÝ` H$moUVrhr godm Z KoVë`mg Vmo ~±Ho$Mm g^mgX åhUyZ AnmÌ
R>aob Aer VaVyX Amho.
gXa VaVwXrMo A{YZ amhÿZ gd© g^mgXm§Zm AmdmhZ H$aÊ`mV `oVo H$s, AmnU ~±Ho$À`m R>od, H$O} d AÝ` H$moUË`mhr godm§Mm Xadfu bm^ KoD$Z ~±Ho$À`m ì`dgm`
dmT>rg hmV^ma bmdmdm d gXa VaVwXtMm CÔoe bjmV KoD$Z ~±Ho$g ghH$m`© H$amdo d Amnbr g^mgX åhUyZ AnmÌVm Q>mimdr Aer Z‘« {dZ§Vr.
{H$‘mZ ^mJ g§»`m -
gZ 2012-13 `m Am{W©H$ dfm©À`m gd©gmYmaU g^oVrb R>amd H«$. 7 Zwgma Zì`mZo g^mgX hmoVmZm ~±Ho$Mo {H$‘mZ 20 ^mJ (én`o 2000/- ^mJ a¸$‘)
KoUo Amdí`H$ Amho. Amnbr ~±H$ A{YH$ gj‘ ìhmdr `mgmR>r {dÚ‘mZ g^mgXmZmhr AmdmhZ Amho H$s, Á`m g^mgXm§Mo Zmdmda 20 nojm H$‘r ^mJ AgVrb
Ë`m§Zr Ë`m‘Ü`o ^a KmbyZ {H$‘mZ 20 ^mJ (én`o 2000/- ^mJ a¸$‘) YmaU H$amdoV.
g^mgXm§Zm {dZ§Vr
1. g^mgXm§Zm bm^m§emMr a¸$‘ nañna Ë`m§À`m OZVm ~±Ho$H$S>rb ~MV/Mmby/H$O©ImË`mV O‘m H$aVm `oVo. Amnbo ImVo OZVm ~±Ho$À`m Á`m emIo‘Ü`o Amho Vr
emIm d ImVoH«$‘m§H$ Amnbo g^mgXËd Agboë`m emIoH$S>o H$idyZ Ë`mg§X^m©Vrb ’$m°‘© ^ê$Z XoÊ`mMr {dZ§Vr Amho. Ë`m‘wio bm^m§e Amnë`m ImË`mV O‘m
H$aUo gmoB©Mo hmoB©b.
2. Amnë`m nÌì`dhmamÀ`m nÎ`m‘Ü`o H$mhr ~Xb Agë`mg Vmo H$i{dÊ`mMr {dZ§Vr Amho.
3 J«mhH$m§À`m ImË`mVrb a¸$‘oÀ`m gwajoÀ`m Ñï>rZo VgoM Zì`mZo gwê$ H$aÊ`mV `oUmè`m {d{dY `moOZm§Mr ‘m{hVr J«mhH$m§n`ªV nmoMÊ`mMo Ñï>rZo ~±Ho$‘m’©$V `m~m~V
EgE‘Eg nmR>{dÊ`mV `oV AmhoV, Var Amnbo ‘mo~mB©b H«$‘m§H$ d B©-‘ob A°S´>og g§~§{YV emIm§‘Ü`o a[OñQ>a H$amdo.
4. ‘ëQ>rñQ>oQ> H$mo. Am°nao{Q>ìh gmogm`Q>r A°ŠQ>‘Yrb VaVwXrZwgma ‘ëQ>rñQ>oQ> H$mo.Am°nao{Q>ìh gmogm`Q>rMm g^mgX gbJ VrZ df© dm{f©H$ gd©gmYmaU g^og
AZwnpñWV Agë`mg d Ë`mMr Aer AZwnpñWVr dm{f©H$ gd©gmYmaU g^oZo ‘mÝ` Ho$br Zmhr Va Ë`mMo g^mgXËd AmnmoAmn g§nwï>mV `oVo. g^mgXm§Zr `m
VaVwXrMr Zm|X KoD$Z g^oV CnpñWV amhmdo. VgoM AZwnpñWV amhUma Agë`mg Vgo boIr H$idmdo hr Z‘« {dZ§Vr.
5. Amnë`m ImË`mMr Ho$dm`gr H$mJXnÌm§Mr nyV©Vm Ëd[aV H$ê$Z ~±Ho$g ghH$m`© H$amdo. [aPìh© ~±Ho$À`m {Z`‘mZwgma Ho$dm`gr nyV©Vm nyU© Zgë`mg ImË`mdarb
ì`dhma JmoR>{dbo OmUma Agë`mZo Ë`mMr g§~§{YV emIoV Ëd[aV nyV©Vm H$amdr.
6. Amnë`m ~±Ho$Zo RuPay À`m ghH$m`m©Zo ATM-CUM-DEBIT CARD gw{dYm gwê$ Ho$bobr AgyZ {VMm bm^ KoÊ`mgmR>r Ëd[aV Amnë`m emIoer g§nH©$ gmYyZ
Ë`mMm bm^ ¿`mdm.
7. g^mgXm§gmR>r eoAg© {d^mJ g§nH©$ H«$‘m§H$ 9860796464 B©-‘ob A°S´>og - accounts@janatabankpune.com

..... 62 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
{X. 1-4-2016 Vo 31-3-2017 g§MmbH$ g^m CnpñWVr Vnerb
g§MmbH$ Am°S>rQ> / dgwbr H$O© Am{U EpŠPŠ`w{Q>ìh ñno. EpŠPŠ`w{Q>ìh
H«$. Zm§d ñQ>m’$ H${‘Q>r
‘§S>i g^m H${‘Q>r Jw§VdUyH$> H$[‘Q>r H${‘Q>r H${‘Q>r
EHy$U g^m 18 12 12 12 18 12
1 lr. A. Ho$. IiXH$a 14 8 8 8 14 8
2 lr. g§. ‘w. bobo 15 4 11 11 16 11
3 lr. O. b. H$X‘ 15 * 10 10 13 10
4 lr. gr. E. gw. am. n§{S>V 15 9 8 * 13 *
5 lr. {~. am. Imo‘Uo 17 11 11 11 16 *
6 lr. am. {d. qeXo 16 11 * * * *
7 S>m°. gm¡. ‘. ‘w. H$g~oH$a 18 * 11 11 17 *
8 lr. gw. Jw§. ‘wVm{bH$ 17 * * 9 * 9
9 lr. {H$. H$m§. ehm 15 * 9 * 13 *
10 lr. A. d. ~oS>oH$a 10 * * * * *
11 lr. ‘. ‘. ndma 14 9 9 * 11 *
12 lr. b. A§. ndma 17 12 * * 17 *
13 lr. {d. nw. ^mdo 17 11 11 11 17 11
14 lr. ‘. n. hS>uH$a 4 * * * * *
15 lr. O. ‘. Ho$VH$a 4 3 3 3 0 3
16 lr. O. H$m. H$mH$VH$a 8 6 6 6 15 6
 EHy$U 5 g{‘Ë`m§Mo H$m‘H$mO nwd©{Z`mo{OV doimnÌH$mZwgma MmbVo.
 Á`m g§MmbH$m§Mo Zmdmg‘moa * Aer IyU Xe©{dbobr Amho Vo g§~§{YV g{‘Ë`m§Mo gXñ` ZmhrV.
 ‘m. lr. O`§V Ho$VH$a `m§Mr 31 Am°JñQ> 2016 Z§Va godm g‘má d 1 gßQ>|~a 2016 nmgyZ gr.B©.Amo. åhUyZ ‘m. O`§V H$mH$VH$a ê$Oy Pmbo.

Suggested amendments in Bye-Laws in Annual General Meeting 2017

Bye-Law Existing Bye-Law Proposed Bye Law
Number
31E (i) NEW INSERTION “Not with standing anything contained
in these bye-laws, if any vacancy on
the Board of Directors occurs, for
any reason, in respect of elected seats,
while the term of the office of the
Board is less than half of its original
term, such vacancy can be filled in,
up to two seats, by the remaining
members of the Board of Directors,
from amongst the members of the
same class/category of the bank, who
are otherwise qualified to be directors
of the bank, by way of cooption, and
such coopted directors shall have
the same rights, duties, authorities,
functions and obligations as that of
other existing elected directors, as
also, the term of office of such coopted
directors shall be coterminous, with the
term of the Board of the bank.”
Bye-Law After Amendment Reason for amendment
“Not with standing any thing contained To avoid unwarranted expenditure
in these bye-laws, if any vacancy on for election, the casual vacancies
the Board of Directors occurs, for any are proposed to be filled in, by
reason, inrespect of elected seats, while co-option instead of election and
the term of the office of the Board is as per Provision of Constitution
less than half of its original term, such of India Article 243 Z J under part
vacancy can be filled in, up to two IX B. This has also a support from
seats, by the remaining members of the laws related to Coop. Societies
the Board of Directors, from amongst under State Act.
the members of the sameclass/
category of the bank, who are other
wise qualified to be directors of the
bank, by way of cooption, and such
coopted directors shall have the same
rights, duties, authorities,functionsand
obligations as that of other existing
elected directors, as also, the term of
office of such coopted directors shall
be coterminous, with the term of the
Board of the bank.”

..... 63 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

OZVm ghH$mar ~±H$ {b., nwUo

(‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$)
‘w»` H$m`m©b` … 1444, ewH«$dma noR>, Wmoabo ~mOramd amoS>, nwUo 411 002.

emIm g§nH©$ EQ>rE‘

‘w»` H$m`m©b` … ’$moZ … 020-24453258/59/24452894
1444, ewH«$dma noR>, Wmoabo ~mOramd amoS>, nwUo 411 002. ’°$Šg … 020-24453430
^maV ^dZ … ’$moZ … 020-24494226/24493395
1360, ewH«$dma noR>, Wmoabo ~mOramd amoS>, n{hbm ‘Obm, ZmVy~mJ nwUo 411 002. ’°$Šg … 020-24493402
EZ.Eg.S>r.Eb. … ’$moZ … 020-24431011 Vo 16 (Q>o{b’°$Šg)
1360, ewH«$dma noR>, Wmoabo ~mOramd amoS>, Vi‘Obm, ZmVy~mJ nwUo 411 002. 95030-58993
~mOramd amoS> … ’$moZ … 020-24452013/24481130/ ATM
1444, ewH«$dma noR>, Wmoabo ~mOramd amoS>, nwUo 411 002. ’°$Šg … 020-24453430 godm CnbãY
{edmOrZJa … ’$moZ … 020-25535532/25510641 ATM
ì`§H$Q>oe pìhbm, ßbm°Q> H«$. 9, g.Z. 1204/9, Kmobo amoS>, {edmOrZJa, nwUo ’°$Šg … 020-25538332 godm CnbãY
411005
^dmZr noR> … ’$moZ … 020-26386708,
12, ZrVm g|Q>a, ^dmZr noR>, nwUo 411 042. ’°$Šg … 020-26384870
H$d} amoS> … ’$moZ … 020-25441631/25453075 ATM
Am~mgmho~ Jadmao H$m°boO H§$ånmC§S>, H$d} añVm, nwUo 411 004. ’°$Šg … 020-25468065 d B©-gw{dYm CnbãY
’$½`w©gZ H$m°boO amoS> … ATM
925 ~r, `w{ZH$ M|~g©, ’$½`w©gZ H$m°boO amoS>, {edmOrZJa, nwUo 411 005 ’$moZ … 020-25652409/25655371 godm CnbãY
{Q>iH$ amoS> … ’$moZ … 020-24471165/24475354 ATM
1732, gXm{ed noR>, nm[aOmV {S>nmQ>©‘|Q>b ñQ>moAg©g‘moa, {Q>iH$ amoS>, nwUo 411030 ’°$Šg … 020-24456760 godm CnbãY
e{Zdma Zmam`U noR> … ’$moZ … 020-24459937/24497904 ATM
345, e{Zdma noR>, a‘U~mJ àembm H§$ånmC§S>, nwUo 411 030 ’°$Šg … 020-24459239 godm CnbãY
‘mH}$Q> `mS>©> … ’$moZ … 020-24271533/34/24272549
OZVm ~±H$ {~pëS>¨J, 475/476 JwbQ>oH$S>r, ‘mH}$Q> `mS>©, nwUo 411 037 ’°$Šg … 020-24271532
H$d}ZJa> … ’$moZ … 020-25436753/25445127, ATM
g.Z§. 167/E-2, ßbm°Q> Z§. 19/20, A{^foH$ H$m°åßboŠg, h°nr H$m°bZr, ’°$Šg … 020-25469432 d B©-gw{dYm CnbãY
H$moWê$S>, nwUo 411 029
ghH$maZJa> … ’$moZ … 020-24224514/24220373 ATM
ßbm°Q> H«$. 66, ‘Yw‘mbVr, Xe^wOm JUnVr amoS>, Vwier~mJdmbo H$m°bZr, ’°$Šg … 020-24230341 d B©-gw{dYm CnbãY
ghH$maZJa, nwUo 411 009
qghJS> amoS> … ATM
g. Z§. 26/20/1 E, qhJUo IwX©, qghJS> amoS>, nwUo 411051 ’$moZ … 020-24352053/24340053 d B©-gw{dYm CnbãY
~mUoa> … ATM
g.Z§. 182/1/1, ~mUoa amoS>, AQ>m[a`m {~pëS>¨J, hm°Q>ob {edgmJaOdi, ~mUoa, ’$moZ … 020-27290240 d B©-gw{dYm CnbãY
nwUo 411045
nm¡S> amoS> … ATM
ßbm°Q> H«$. 1/~r, gìh} H«$. 119/1, AZ§VH¥$nm H$mo-Am°n. hm¡qgJ gmogm`Q>r, nm¡S> ’$moZ … 020-25440465 d B©-gw{dYm CnbãY
amoS>, nwUo 411 038
qnnar … ’$moZ … 020-27124725 ATM
dQw>‘hmb, ßbm°Q> Z§. 131, Ü`mZM§X nm°brJ«mg hm°H$s ñQ>o{S>`‘ Mm¡H$, Zohê$ZJa, ’°$Šg … 020-27112040 godm CnbãY
qnnar, nwUo 411 018
qMMdmS>Jm§d … ’$moZ … 020-27352536 ATM
gìh} H«$. 280, gr Q>r Eg H«$. 4270, JmoëS>H«$mâQ> {~pëS>¨J, Mm’o$H$a Mm¡H$, ’°$Šg … 020-27354270 B©-gw{dYm CnbãY
qMMdmS>Jm§d, nwUo 411 033
qMMdmS> ñQ>oeZ … ’$moZ … 020-27472436, ’°$Šg … 020-27463334
gr Q>r Eg H«$. 4672/1 d 2, {gVmam‘ H$m°åßboŠg, qMMdmS> ñQ>oeZ, nwUo 411 019
VioJm§d Xm^mS>o … ’$moZ … 02114-222490/229381
981, ~wYdma noR>, VioJm§d Xm^mS>o, Vm. ‘mdi, {O. nwUo 410 506
..... 64 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
emIm g§nH©$ EQ>rE‘
VioJm§d ñQ>oeZ … ATM
{g.g.Z§. 2409/4, g.Z§. 528/2-1, VioJm§d Xm^mS>o, Vm. ‘mdi, {O. nwUo 410 507 ’$moZ … 02114-222253/229541 godm CnbãY
^moa … ATM
OZVm ~±H$ {~pëS>¨J, ^moa, {O. nwUo 412 206 ’$moZ … 02113-222554 godm CnbãY
KmoS>ZXr … ATM
2182, aoìhoÝ`y H$m°bZr, {eê$a, VmbwH$m - {eê$a, {Oëhm nwUo 412 210 ’$moZ … 02138-222131/223231 godm CnbãY
B§Xmnya … ATM
Ka H«$. 646, dm°S>© H«$. 24, ~mOmanoR>, B§Xmnya, {O. nwUo 413 106 ’$moZ … 02111-223318 godm CnbãY
OwÞa … ATM
[gQ>r g. Z§. 5203, Jw§Omi H$‘{e©Ab H$m°åßboŠg, ~moS>Ho$ZJa, Eg.Q>r.ñQ>±S>Odi, ’$moZ … 02132-222086 godm CnbãY
OwÞa, {Oëhm nwUo 410 502
AmoVya … ’$moZ … 02132-264133
Ka H«$. 354/1, J«m‘n§Mm`V Am°{’$gg‘moa, Vm. OwÞa, {O. nwUo 412 409
Am¡a§Jm~mX … ’$moZ … 0240-2334093/2349651 ATM
Jmo‘Q>oe ‘mH}$Q>g‘moa, XbmbdmS>r, Am¡a§Jm~mX 431 001 $’°$Šg … 0240-2334110 godm CnbãY
bmVya … ’$moZ … 02382-240566/240778/79 ATM
{g.g.H«$. 6398-1, ZJa nr.H«$.Ama/4-674, M¡ZgwI amoS>, bmVya 413 512 $’°$Šg … 02382-242034 godm CnbãY
A§~mOmoJmB© … ’$moZ … 02446-247071,
g.Z§. 6434, Jwédma noR>, A§~mOmoJmB©, {O. ~rS> 413 517,
XmXa … ’$moZ … 022-24226219/24381250 ATM
X`m{Zdmg H$mo Am°naoQ>rìh gmogm`Q>r {b., qdJ, em°n Z§. ~r 1/2/3 Am{U Eg 6, $’°$Šg … 022-24222934 godm CnbãY
137 Eg Ho$, ~mobo amoS>, XmXa (n.) ‘w§~B© 400 028
’$moQ>© … ’$moZ … 022-22024284/85
ßbm°Q> Z§. 11/12, gr.Q>r.Eg.Z§. 1900/1901 OÝ‘^y‘r ^dZ, OÝ‘^y‘r ‘mJ©, ’°$Šg … 022-22020828
’$moQ>©, ‘w§~B© 400 001
{dbonmb} … ’$moZ … 022-26114036/26115577 ATM
lrHw§$O {à‘m`gog H$mo-Am°n. gmogm`Q>r, hZw‘mZ ‘§{Xa amoS>, {dbonmb} (nyd©), ‘w§~B© 400 057 ’°$Šg … 022-26114293 godm CnbãY
{JaJm§d … ’$moZ … 022-23869397/23814753
S>o¸$Z M|~g©, ‘°OopñQ>H$ {gZo‘m hmD$g g‘moa, {JaJm§d, ‘w§~B© 400 056 ’°$Šg … 022-23813835
aËZm{Jar … ’$moZ … 02352-222393 ATM
1973, lram‘ Amir, aËZm{Jar 415 612 ’°$Šg … 02352-223965 d B©-godm CnbãY
{edmOrZJa aËZm{Jar … ATM
g.$H«$. 234 (nmQ>©), gr.Q>r.Eg. H«$. 168, ZmMUoJmd, aËZm{Jar 415 612 ’$moZ … 02352-222621 / 226621 godm CnbãY
gmIanm … ’$moZ … 02354-268243
Ka H«$. 171, ~mOmanoR>, Eg.Q>r.ñQ>±S>g‘moa, gmIanm, Vm. g§J‘oída, {O. aËZm{Jar 415 801
nmdg … ’$moZ … 02352-237266
‘hmH$mbr n°bog, g.Z§. 60, {hñgm Z§. 13/16, nmdg, {O. aËZm{Jar 415 616
‘mIOZ … ’$moZ … 02354-285231
~mOma noR>, ‘mIOZ, Vm. g§J‘oída, {O. aËZm{Jar 415 608
Xodê$I … ’$moZ … 02354-260145
Eg.Q>r.ñQ>±S>g‘moa Xodê$I, {O. aËZm{Jar 415 804
H$moëhmnya … ’$moZ … 0231-264188 ATM
1436/E, bú‘rnwar dm°S>© H«$.gr. H$moëhmnya 416 002 ’°$Šg … 0231-2641990 godm CnbãY
{MniyU … ’$moZ … 02355-254378 ATM
g.Z§. 147, {hñgm Z§. 1, Eg.Q>r. ñQ>±S>Odi, Vm. {MniyU, {O. aËZm{Jar 415605 ’°$Šg … 02355-257476 godm CnbãY
g§J‘oída … ATM
OZVm ~±H$ {~pëS>¨J, ZmdS>r, g§J‘oída, {O. aËZm{Jar 415 611 ’$moZ … 02354-272050/273284 godm CnbãY
H$S>dB© g§J‘oída … ’$moZ … 02354-272025
g.Z§. 231, {hñgm Z§. 13 ~, {~pëS>¨J H«$. 1105 nmoñQ> H$S>dB©, Vm. g§J‘oída, {O. aËZm{Jar 415 609
IoS>~«åhm … ATM
gaXma nQ>ob ‘mJ©, IoS>~«åhm, {O. gm~aH$m§R>m, JwOamV 383 255 ’$moZ … 02775-220022 godm CnbãY

..... 65 .....
 JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

emIm g§nH©$ EQ>rE‘

H$g~m g§J‘oída ({dñVm[aV H$j) … ’$moZ … 02354-272025
H$g~m g§J‘oída J«m‘n§Mm`V {~pëS>¨J, Vm. g§J‘oída, {O. aËZm{Jar 415 608
YZH$dS>r … ATM
g.Z§. 29, âbm°Q> Z§. 22, {hñgm Z§. 1,2,3,4,5 H$bm{ZHo$VZ hm¡qgJ gmogm`Q>r, ’$moZ … 020-24370057 d B©-gw{dYm CnbãY
H$bmZJa, YZH$dS>r, nwUo 411043
M§XZZJa … ATM
g.Z§. 46, nmQ>© Z§. 1E/E.~r./1, ßbm°Q> Z§. 2, JmoqdXZJa H$mo-Am°n. gmogm`Q>r, ’$moZ … 020-27019009 d B©-gw{dYm CnbãY
EM Z§. 3/418 ~r ‘w. nmoñQ> IamS>r, M§XZZJa, nwUo 411014
~moardbr (n.) … ATM
em°n Z§. 1 d 2, Vi‘Obm, A§S>oída H$mo-Am°n. hm¡qgJ gmogm`Q>r (nr), ’$moZ … 022-28943118 d B©-gw{dYm CnbãY
Eg.ìhr.nr. amoS>, (‘§S>mnoída amoS>), ~moardbr (npíM‘), ‘w§~B© 400 092
KmQ>H$mona (nyd©) … ATM
em°n Z§. 1, ßbm°Q> Z§. 74, gr.Q>r.Eg.Z§. 5992, Q>r.nr.Eg. ñH$s‘ Z§. 3, YyV ’$moZ … 022-25086248 d B©-gw{dYm CnbãY
{~PZog g|Q>a, Ama.~r.‘ohVm ‘mJ©, KmQ>H$mona (B©ñQ>) ‘w§~B© 400077
OmbZm amoS> (Am¡a§Jm~mX) … ATM
gr.Q>r.Eg.Z§. 12498, J«mC§S> âbmoAa, ~½Jm M|~g© 4/16/26/nr, OmbZm amoS>, ’$moZ … 0240-2364545 d B©-gw{dYm CnbãY
AmH$medmUr H|$Ðmg‘moa, Am¡a§Jm~mX - 431 0014
H$mÌO … ATM
A[ah§V H$m°åßboŠg, ßbm°Q> H«$. ~r, g.Z§. 22/3/25/1 {Xn‘§Jb H$m`m©b`mOdi, ’$moZ … 020-26963111 godm CnbãY
H$m|T>dm amoS>, H$mÌO, Vm. hdobr, {Oëhm nwUo 411 046
Zm{eH$ … ATM
Aë’$m ñ¹o$Aa, Q>rnr ñH$s‘ 2. g. Z§. 712/2 E + 2S>r /17 H$m°boO amoS>-J§Jmnya ’$moZ … 0253-2970375 godm CnbãY
amoS>, Zm{eH$ 422 003
CXJra … ATM
Ka H«$. 5,3,16 Am{U 5,3,21 Zm§XoS> {~Xa amoS>, C‘m Mm¡H$, CXJra, Vm. CXJra, ’$moZ … 02385-256356 godm CnbãY
{O. bmVya 413 517
OmbZm … ATM
g.Z§. 10624 Ka H«$. 1,12,145 - gH$boMm BñQ>oQ> gamo{OZr Xodr amoS>, OmbZm ’$moZ … 02482-243258 godm CnbãY
431 203
‘wbw§S> … ATM
ßbm°Q> H«$. 544/E, grQ>rEg H«$. 286, ~mbmOr AmH}$S>, ZoVmOr gw^mf amoS>, ‘wby§S> ’$moZ … 022-25694988 godm CnbãY
(npíM‘) ‘w§~B© 400 080
Jm§YrZJa> … ATM
Ka H«$. 142/6/8, Jmim H«$. E/4, Jm§YrZJa J«m‘n§M`V VmbwH$m H$adra, {O. H$moëhmnya 416 005 ’$moZ … 0231-2611599 godm CnbãY
bm§Om> … ATM
gX²Jwê$ H$m°åßboŠg, gr qdJ, ‘w§~B©-Jmodm hm`do, bm§Om ~mOmanoR>, nmoñQ> bm§Om, ’$moZ … 02351-230405 godm CnbãY
{O. aËZm{Jar 416 701
dmaOo ‘midmS>r … ATM
ñn§XZ, em°n H«$. 10, ‘mB© ‘§JoeH$a hm°pñnQ>b g‘moa, nm°ß`wbaZJa, nwUo-‘w§~B© ’$moZ … 020-25232737 godm CnbãY
~m`nmg amoS>, dmaOo ‘midmS>r, nwUo 411 058
‘moer … ATM
lr g‘W© H¥$nm, goŠQ>a-4, ßbm°Q> Z§. 287/Eg, g§VZJa, àm{YH$aU ‘moer, nwUo- ’$moZ … 020-27236166 godm CnbãY
Zm{eH$ hm`do, ‘moer, nwUo 412 105
KmoS>~§Xa amoS> … ATM
em°n H«$. 5/6 Am{U 7, Vi‘Obm, n§Mm‘¥V H$mo Am°n hm¡. gmogm`Q>r, g.Z§. 158 ’$moZ … 022 - 25971967 godm CnbãY
{hñgm Z§. 1 H$mdoga, KmoS>~§Xa amoS>, R>mUo 400 615
gmobmnya> … ATM
Q>mB©‘ ñ¹o$Aa {~pëS>¨J 97/1, Vi ‘Obm, ‘moamaOr noR>, à^mV {MÌ ‘§{XaOdi, ’$moZ … 0217-2625599 godm CnbãY
{Oëhm gmobmnya 413 001
JmoaoJmd … ATM
nyZ‘ hmB©Q>g² em°n Z§. 7 Am{U 8, Vi‘Obm 12-CÚmoJ ZmJar Eg {d amoS> JmoaoJmd ’$moZ … 022 - 28737945 godm CnbãY
(npíM‘), ‘w§~B© 400 104
noU … ATM
ßbm°Q> Z§. 52, g.Z§. 36/2, dra gmdaH$a ‘mJ©, Vm. noZ, {O. am`JS> 402 107 ’$moZ … 02143 - 253259 godm CnbãY
..... 66 .....
 dm dm{f©H$ Ahdmb
gZ 2016-2017
‘ëQ>rñQ>oQ> eoS>çwëS> ~±H$
emIm g§nH©$ EQ>rE‘
Ah‘XZJa … ATM
em°n Z§. 2, Vi‘Obm, gmB© {‘S>mg Q>M, Q>rnr ñH$s‘ Z§. 4, ßbm°Q> Z§. 101/86, ’$moZ … 0241 - 2550231 godm CnbãY
‘Z‘mS> amoS> , gmdoS>r, Ah‘XZJa 404 003.
BMbH$a§Or …
dm°S>© Z§. 12, {hñgm Z§. 440, Mm¢S>oídar^dZ ‘hmË‘m ’w$bo amoS>, BMbH$a§Or 416 ’$moZ … 0230-2435059
115
BMbH$a§Or ({dñVmarV H$j) … ATM
dm°S>© Z§. 16, {hñgm H«$. 1527/10, AÊUm am‘Jm|S>m nmQ>rb ñHy$b, BMbH$a§Or ’$moZ … 0230 - 2424393 godm CnbãY
416 115
gm§Jbr … ’$moZ … 0233-2321093
879, Xidr {~pëS>¨J, gam’$ ~mOma, JUnVr noR>, gm§Jbr 416 416.
H$amS> … ’$moZ … 02164 - 220556
nam§Ono {~pëS>¨J, XÎm Mm¡H$, ‘oZ amoS>, H$amS> 415 110
JS>qh½bO … ’$moZ … 02327 -224464
grQ>rEg 374/375/376, ‘w„m M|~a ‘oZ amoS>, JS>qh½bO 416 502
OdmhaZJa …
dm°S>© Z§. 21, {hñgm H«$.1138, g§O` ‘hmXod H$m§~io {~pëS>¨J, S>o¸$Z {‘b g‘moa, ’$moZ … 0230-2440382
ñQ>oeZ amoS>, BMbH$a§Or 416 115
O`qgJnya … ’$moZ … 02322-226091
boZ Z§. 9, {hñgm H«$. 1168, {eamoio amoS>, O`qgJnya 416 101
hS>nga … ATM
grQ>rEg 1206, 1201, nwUo - gmobmnya amoS>, hS>nga, nwUo 411 028 ’$moZ … 020 - 26993258 godm CnbãY
H$m§{Xdbr (npíM‘) … ATM
em°n Z§. 1, drUm am°`b pìhbm, gr Q>r Eg Z§. 455 E Am{U ~r, bmbM§X ^m{Q>`m ’$moZ … 022 - 28010063 godm CnbãY
ZJa, e§H$a boZ, H$m§{Xdbr (npíM‘), ‘w§~B© 400 067
gwg nmfU amoS> … ATM
g.Z§. 148, {hñgm H«$. 1/E/1, grQ>r g. Z§. 1353, nydm© hmB©Q>g² {~pëS>¨J E, ’$moZ … 020-25871004 godm CnbãY
gwg nmfU amoS>, nwUo 411 021

..... 67 .....
JANATA SAHAKARI BANK LTD., PUNE dm dm{f©H$ Ahdmb
gZ 2016-2017
Multi State Scheduled Bank

Notes

..... 68 .....