Financial Snapshot

(Rs. Crs.)

Particular

FY 15

FY 16

FY 17

FY 18

Income

2.38

2.46

2.22

2.34

Y-o-y growth (%)

 

3.36%

-9.76%

5.41%

PBT

0.35

0.45

0.44

0.44

PAT

0.25

0.32

0.32

0.32

Net profit to Income (%)

10.50%

13.01%

14.41%

13.68%

Share Capital

7.74

8.79

9.08

12.73

Reserve & Surplus

1.69

1.83

1.95

0.74

TNW

9.43

10.62

11.03

13.47

Total outside Liabilities

5.3

3.71

8.99

9.5

TOL / TNW

0.56

0.35

0.82

0.71

AUM

17.82

17.66

17.61

20.45

CRAR %

52.92%

60.14%

62.63%

65.87%

Net Interest Margin

5.33%

4.98%

5.39%

5.67%

Net NPA (%)

2.79 %

3.19 %

3.03% 

2.58% 

Total disbursement (Rs. Crs)

8.25 

8.87 

9.70 

11.15 

Y-o-y growth (%)

       

No of Branches

 -

 -

 -

 -

States Covered

 1

 1

 1

 1

 

Reason for negative growth of income in FY 2017

It was during the year that we shifted our account from Central Bank to DCB Bank, and had to repay back the term loan from United Bank of India of apx 80.00 lacs, resulting in dip of loans and advances, more over at CBI we operated a Cash Credit limit, where we had to service the interest component only, wherein DCB granted term loan.