The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise boosts blood flow, releases endorphins, and promotes changes in the brain which help regulate emotions and stress levels.
1. J¼k o 'kfDr ls ljkcksj >wysyky th dh HkfDr
lk/qcsyk us gfj}kj esa jpk bfrgkl
pkyhgk ioZ ds lekiu ij fudyh 'kksHkk;k=kkvksa esa fofHkUu lektksa ,oa /eks± ds vfHkuUnu ls >ydh
Jh >wysyky pkyhgk egksRlo ds
lekiu ij foxr 25 vxLr dks Jh
>wysyky eafnj v'kksd fogkj }kjk
vk;ksftr 'kksHkk;k=kk dk mn~?kkVu
Jh ctjaxyky xqIrk (mÙkj Hkkjr
la;kstd RSS)] Jh ';ke tktw
(jk"Vªh; mikè;{k Hkktik)] eukst
frokjh (fnYyh izns'k Hkktik vè;{k
,oa lkaln) us x.kekU; larksa o
lSdM+ksa dh la[;k esa mifLFkr tu
leqnk; ds eè; fd;kA
bl volj ij lnxq:Bkdqj Jhnyhi
flagth(uke/kjh iaFk izeq[k)]vkpk;Z
Lokeh xkSjh'kadjnkl th egkjkt (Jh
cu[k.Mh lk/qcsyk ihBk/h'oj) Hkh
mifLFkr FksA
fnYyh ds izfl¼ lektlsoh y[ehpan
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lg;ksx eap fnYyh izns'k flU/h ;qok
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ofj"B inkf/dkjh] v'kksd fogkj
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dh vksj ls Hkjr okrokuh] uohu
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jktdqekj ok/ok }kjk ik[kj izlkn HksaV
dj lEekfur fd;kA
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lHkk v'kksd fogkj isQt&1 o
isQt&2 ds izca/d t;ekrk fe=k
egs'k NkcfM+;k
lk/qcsyk rhFkZ ds laLFkkid ckck cu[k.Mh th }kjk LFkkfir ifo=k /wuh
lkfgc ds 200osa izdk'k mRlo ds miy{; esa Lokeh xkSjh'kadj nkl th dh
vè;{krk esa gfj}kj esa HkO; 'kksHkk;k=kk ,oa eka xaxk ds rV ij cgjk.kk dh
ekSt esa ns'k ds vusd izkUrksa ls gtkjksa J¼kyqvksasa ,oa larksa us Hkkx fy;kA
'kksHkk;k=kk dk 'kqHkkjEHk Lokeh xq:'kj.kkuUn th us fd;kA 'ks"k i`"B 3 ij---
'ks"k i`"B 6 ij---
2. 02fny&,&flU/kfnYyh% 01 flrEcj 15 flrEcj 2018 rd
LIMERICKS
A Wonderful bird is the pelican;
His mouth holds more than his
bellican; He takes in his beak,
Enough food for a week, But I'm
damned if I see how the hellican.
Anon
There was a young fellow of
clyde Who went to a funeral and
cried; When they asked who was
dead, He stammered and said,
"I don't know-I just came for the
ride."
Anon
There's wonderful family
called Stein- There's Gert, and
there's Epp, and there's Ein;
Gert's poems are bunk, Epp's
statues are junk, And no one can
understand Ein.
Anon
There was an old man of
Nantucket Who kept all his cash
in a bucket; But his daughter,
named Nan, Ran away with a
man- And as for the bucket,
Natucket.
Anon
As a beauty I'am not a great star,
There are others more handsome
by far; But my face I don't mind
it- Because I'm Behind it-
Tis the folks out in frong that I
jar.
A. Euwer
There was a small boy of
Quebec. Who was buried in
snow to the neck; When they
said, "Are you friz?" He replied,
"Yes, I is- But we don't call this
cold in Quebec."
Kipling
Tthere was an old man with a
beard, Who said, "It is just as
I feared. Two Owls and a Hen,
Four Larks and a Wren,
Have all build their nests in my
beard!"
Edward Lear
Golden Words of the
Golden Personalities
MOTILAL
96yrs. Sr. Freedom Fighter
A canner, exceedingly canny,
One morning remarked to
his granney, "A canner can.
Anything that he can, But a
canner can't a can, can he?"
Carolyn Wells
A Tutor who tooted the flute.
Tried to teach two young tooters
to toot. Said the two to the Tutor,
"It is harder to toot, or To tutor
two footers to toot?"
Carolyn Wells
LINCOLN,
ABRAHAM
Lincoln, six feet one in his
stocking feet, The lanks man,
knotty and tough as a hickory
rail, Whose hands were always
too big for white-kid gloves,
Whose with was a coonsking
sack of dry, tall tales, Whose
Weathered face was homely as a
plowed field.
Stephen Vincent Benent
Oh, slow to smite and swift to
spare, Gentle, and merciful and
just! Who, in the fear of God,
didst bear The sword of power,
a nation's trust!
William C. Bryant
His heart was as great as the
world, but there was no room
in it to hold the memory of a
wrong.
Emerson
We are coming. FatherAbraham,
three hundred thousand more.
J.S. Gibbons
I was a dog at Gettysburg. I
trotted near the train and nosed
among the officers who kicked
me to my pain. A man came
by... I could not see. I howled.
The light was dim, But when I
brushed against his legs, I liked
the smell of him.
Mackinlay Kantor
A bronzed lank man! "His suit
of ancient black, A famous high
top-hat and plain worn shawl
Made him the quaint great figure
that men love, The prairie-
lawyer, master of us all.
Vachel Lindsay
The kindly-earnest, brave,
foreseeing man, Sagacious,
patient, dreading praise, not
blame, New birth of our new
soil, the first American.
J.R. Lowell
When Abraham Lincoln was
shoveled into the tombs, he
forget the copperheads and the
assassing... in the dust, in the
cool tombs.
Carl Sandburg
Now he belongs to the ages.
Edwin M. Stanton
Jh >wysyky I;kmQ ds'koiqje }kjk lar lekxe
Jh >wysyky I;kmQ ds'koiqje
}kjk xr o"kks± dh Hkkafr bl o"kZ
Hkh pkyhgk ioZ ij izfrfnu
I;kmQ ij ifo=k cgjk.kk lkfgc
dh ifo=k T;ksr dh iwtk&vpZuk]
vkjrh&iYyo ds i'pkr T;ksr
dks ty ijoku fd;k x;kA
xr 19 vxLr dks I;kmQ ij
lqlfTtr iaMky esa lar lekxe
dk vk;kstu gqvkA lk/qcsyk
ihBk/h'oj vkpk;Z xkSjh'kadjnkl
th] lkabZ ol.k'kkg njckj ls lkabZ
txnh'kyky th] Jh xq:njckj
ls nknk gseunkl th Hkh laxr
ds lkFk i/kjsA bl vk;kstu esa
flU/h tkx`fr lHkk ds eq[;
izca/d Jh fouksn usuokuh]
Jh euksgj cyokuh] Jh lquhy
usuokuh] Jh bUnj 'kksMokuh o
vU; eafnjksa ls i/kjs x.kekU;tuksa
dks I;kmQ ds izca/dksa us ik[kj
izlkn nsdj lEekfur fd;kA
lHkh J¼kyqvksa ds fy, Hk.Mkjs
dh lqO;oLFkk FkhA
3. 03fny&,&flU/kfnYyh% 01 flrEcj 15 flrEcj 2018 rd
lk/qcsyk rhFkZ ds laLFkkid ;ksxhjkt
ckck cu[kaMh th }kjk 1818 esa
lD[kj lk/qcsyk esa LFkkfir ifo=k
/quh lkfgc ds 200osa izdk'k ioZ ds
miy{; esa gfj}kj ds dk".khZ vkJe
Hkwir okyk ls ohvkbZih ?kkV gj dh
ikSM+h gfj}kj rd HkO; 'kksHkk;k=kk
lk/qcsyk ds orZeku ihBk/h'oj
vkpk;Z Lokeh xkSjh'kadj nkl th
egkjkt dh vè;{krk esa ,oa gfj}kj
ds fofHkUu v[kkMksa ds lSdMksa larksa
ds lkfUuè; esa fudkyh xbZA
bl volj ij dk".khZ vkJe ds
LOkkeh xq:'kj.kkuUn th us 'kksHkk;k=kk
dk mn~?kkVu fd;kA Lokeh th
}kjk bl volj ij fo'ks"k O;oLFkk,a
dh xbZ ftlesa fugax fl[k J¼kyqvksa
ds vfXu ØhMk izn'kZu o J¼kyqvksa
ds fy, fo'ks"k O;oLFkk,a FkhaA ;ksx
xq: ckck jkenso us ckck cu[kaMh
th egkjkt dks lar lekt ds izsj.kk
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viuh vpZuk riL;k ds ekè;e ls lalkj dks
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ckck jkenso us crk;k fd viuh Kku T;ksfr
ds }kjk mUgksaus lekt dk ekxZn'kZu dj flU/q
unh ds eè; fo'o dY;k.k dh dkeuk ds
lkFk lk/q csyk rhFkZ esa 200 o"kZ iwoZ v[k.M
/wuh izTTkofyr dhA dk".khZ ihBk/h'oj Lokeh
xq:'kj.kkuUn th egkjkt us dgk fd czãyhu
cu[kaMh egkjkt us vius
fnO; Kku ls iwjs lalkj dks
vkyksfdr fd;k gSA
lk/q csyk ihBk/h'oj
vkpk;Z Lokeh xkSjh'kadj
nkl th us dgk fd larksa
dk thou lnSo ijksidkj
ds fy, lefiZr jgrk gSA
lalkj esa Hkkjr dh Hkwfe dks
vkè;kRe dh xkSjo'kkyh
ijEijkvksa dk dsUnz ekuk
tkrk gSA Lokeh cu[kaMh
th egkjkt us viuh fo}
rk ds ekè;e ls lekt
dks Kku dh izsj.kk nsdj
Hkkoh ih<+h dks laLdkjoku
cukus dk dk;Z fd;kA bl
volj ij egke.Mys'oj
Lokeh ';ke lqUnj nkl
'kkL=kh] Lokeh gfjpsrukuUn]
Lokeh jkefd'ku egkjkt
us vius mn~cks/u esa ;ksxhjkt ckck
cu[kaMh th ds tulsok ds dk;ks±
ij izdk'k MkykA 'kksHkk;k=kk esa larksa
dk Lokxr iwQy ekykvksa }kjk egke.
Mys'oj Lokeh ';ke lqUnjnkl]
Lokeh gfjpsrukuUn] Íf"k jkefd'ku
egkjkt] xksiky nÙk] fo".kq nÙk] jkuh
vkgwtk] eksgu vkgwtk] uUnyky
pkoyk] jes'k ek[khtk] egs'k jktkuh]
lukru nso vkfn us fd;kA
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igqaph rks Lokeh xkSjh'kadj nkl th
ds lekjksg LFky ij igqapus ij gh
ckfj'k cUn gks xbZ o fnYyh ds izfl¼
xk;d lat; c=kk o lg;ksfx;ksa }kjk
xhrksa ij J¼kyq eneLr gksdj ukp
mBsA dk;ZØe esa fo'ks"k :i ls
mYgkl uxj ls i/kjs NksVs uokc
lkabZ NksVwjke th us viuh eq/jok.kh
ls ykylkabZ o ckck cu[kaMh th
efgek dk xq.kxku fd;kA
6 ?kaVs rd ea=keqX/ gksdj fnYyh
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ds lkFk i/kjs J¼kyqvksa us dk;ZØe
dk vkuUn mBk;kA Bkj ekrk Bkj ds
eè; nhinku o T;ksr folZtu dj
dk;ZØe dk lekiu gqvkA dk;ZØe
dk lapkyu egs'k jktkuh us fd;kA
dk;ZØe esa fxj/kjhyky xqIrk] ujs'k
dka>kauh] lquhy dqek] lquhy eqtSnh]
t; dqekj cgjk.kh] vfer ykyokuh]
jk/s';ke ykyokuh] jkts'k ewjtkuh]
egs'k ewjtkuh] Vsdu NkcM+k]
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egs'k jktkuh] eksgu vkgwtk dh
mYys[kuh; lsok,a jghA dk;ZØe esa
fnYyh ljdkj ds izfrfuf/ prqjlsu
th Hkh lfEefyr gq,A LFkkukHkko
ds dkj.k 'ks"k lekpkj vxys vad
esa izdkf'kr gksxkA egs'k NkcfM+;k
4. 04fny&,&flU/kfnYyh% 01 flrEcj 15 flrEcj 2018 rd
ns'k foHkktu osQ le; flafèk;ksa dh
tUe LFkyh flaèk çns'k dks iwjh
rjg ls ikfdLrku esa 'kkfey djus
ls flaèkh Hkk"kk] dyk] lkfgR; o
laLÑfr dk uqdlku LokHkkfod Fkk
ysfdu blosQ ckn osQUæ 'kklu osQ
ekuo lalkèku fodkl ea=kky; }kjk
xfBr jk‘ªh; flaèkh fodkl ifj"kn
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xbZ flaèkh lkfgR; vdknfe;ksa dk
nkf;Ro Fkk fd os flaèkh Hkk"kk dks
jkstxkj ls tksM+us osQ fy, ljdkj
ij ncko Mkydj blosQ laj{k.k o
laoèkZu dk ç;kl djrh ijUrq nqHkkZX;
ls ,ulhih,l,y ,oa jkT;ksa dh
vdknfe;ksa dks vkcafVr djksM+ksa dk
ctV ekSt eLrh esa gh •pZ gks jgk
gSA ykijokgh dk gh urhtk gS fd
vktknh osQ 70 lky ckn igys tgka
fdrkcksa] ?kjksa osQ ckn yksxksa dh tqcku
ls flaèkh Hkk"kk •Re gksrh xbZ ogha vc
vkdk'kok.kh ls 51 lky ls çlkfjr
gksus okyk dk;ZØe ftls Hkkjr osQ
lok djksM+ osQ vykok ikfdLrku osQ
Hkh 15 yk• flaèkh (fgUnw) vkSj 3
djksM+ flaèkh eqlyeku pkg ls lqurs
Fks] mls 14 vxLr 2018 ls can dj
fn;k x;k gSA
bruk gh ugha fnYyh fo'ofo|ky;
esa lkyksa ls lapkfyr flaèkh Hkk"kk
foHkkxkè;{k dks Hkh can djus dk
fu.kZ; ys fy;k x;k gS ysfdu fnYyh
esa gh jk‘ªh; flaèkh Hkk"kk fodkl
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çlkj.k o foHkkxkè;{k dks lekIr
djus dk dksbZ fojksèk ugha dj jgh
gSA 10 vçSy 1967 dks flaèkh Hkk"kk
dks lfoèkku dh vkBoha vuqlwph esa
'kkfey fd;k x;kA tcfd 2 vDVwcj
1967 ls vky bafM;k vkdk'kok.kh
osQ fons'k çlkj.k esa flaèkh Hkk"kk dk
çlkj.k Hkh 'kq: gqvkA
laj{k.k o laoèkZu osQ
nkos •ks•ys
osQUæh; ekuo lalkèku fodkl
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laj{k.k osQ vykok lkfgR;] dyk
rFkk laLÑfr dk ,oa laoèkZu gSA
ifj"kn ftlosQ funs'kd ,oa mikè;{k
osQ flaèkh Hkk"kk osQ fodkl osQ lkjs
nkos •ks•ys lkfcr gq, gSaA ifj"kn dks
feyus okys lkykuk djksM+ksa osQ ctV
dks ns'k osQ fofHk i;ZVu LFkyksa dh
dfri; flaèkh lkfgR;dkjksa] dfo;ksa]
ys•dksa ;k muosQ ifjtuksa osQ vykok
lxs lacafèk;ksa dks ekSt eLrh djkus]
osaVhysVj ij flaèkh Hkk"kk flU/h Hkk"kk izlkj.k o foHkkxkè;{k can
gksus ls lekt esa vlarks"k ds Loj eq[kfjrvkdk'kok.kh ls Hkh can gqvk çlkj.k
?kj dks vkx yx xbZ
?kj ds fpjkx ls
cM+h cM+h gksVyksa esa Bgjkus o ?kweus
fiQjus esa •pZ fd;k tk jgk gS
tcfd flaèkh Hkk"kk yxkrkj detksj
gks jgh gS vkSj vkt og osaVhysVj ij
gS] ftlosQ fdlh Hkh le; iwjh rjg
ls •Re gksus dh vk'kadk gSA
Hkk"kk dks jkstxkj ls
tksM+uk le; dh ekax
flaèkh Hkk"kk osQ tkudkjksa dk dguk
gS fd tc rd flaèkh vjch fyfi
vFkok nsoukxjh dks jkstxkj ls ugha
tksM+k tkrk] rc rd mldk fodkl
laHko ugha gSA vxj vkt Hkkjr
ljdkj rFkk çns'k dh ljdkjsa ;g
fu.kZ; ys ys fd vjch flaèkh fyfi esa
d{kk 12oha mÙkh.kZ fo|kFkhZ dks flaèkh
Hkk"kh f'k{kd dh ukSdjh nh tk,xh
rks vkxkeh nl lky esa gtkjksa dh
la[;k esa nsoukxjh ;k vjch flaèkh
lh•us okyksa dh la[;k gks tk,xh]
ijUrq nqHkkZX; gS fd blosQ fy, jkԻh;
flaèkh Hkk"kk fodkl ifj"kn us dksbZ
ç;kl ugha fd;k gSA
fofo foHkkxkè;{k in •Re
djus dk fu.kZ;] ekSt eLrh esa
•pZ gks jgk djksM+ksa dk ctV
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yxkrkj ljdkjh Lrj ij gks jgh
mis{kk dks ysdj lewps flU/h lekt
esa vlarks"k O;kIr gSA
vHkh fla/h lekt ds jk"Vªh; lg
vè;{k f=kyksd nhikuh] mikè;{k
izdk'k ehjpankuh us dgk gS fd
dsUnz 'kklu ds ekuo lalk/u
fodkl ea=kky; }kjk xfBr jk"Vªh;
fla/h fodkl ifj"kn ,oa fofHkUu
izns'kksa esa cjik dh xbZ fla/h lkfgR;
vdknfe;ksa ftudk nkf;Ro Fkk fd
os fla/h Hkk"kk dks jkstxkj ls tksM+us
ds fy, ljdkj ij nokc Mkydj
blds laj{k.k o lao/Zu dk iz;kl
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dh vdknfe;ksa dks vkcafVr djksM+ksa
dk ctV ekSt eLrh ds gh [kpZ gks
jgk gSA
Jh nhikuh ,oa Jh ehjpankuh us
crk;k fd vky bafM;k jsfM;ks fnYyh
ls 51 lky izlkfjr gksus okyk
dk;ZØe ftls Hkkjr ds lok djksM+
ds vykok ikfdLrku ds Hkh 15
yk[k fla/h fgUnq vkSj 3 djksM+ fla/h
eqlyeku pkg ls lqurs Fks] mls
14 vxLr 2018 dks bldk izHkkj
laHkkyus okys tks izeq[kksa jhuk ehjkt
,oa izdk'k [ksepankuh dh rcknyk
t;iqj dj fn;k x;k gS vkSj tc
rd ;s dk;ZeqDr gksa dsoy rd rd
gh jsfM;ks izlkj.k dks pkyw j[kk x;k
gSA blds ckn bls iwjh rjg ls can
dj fn;k tk,xkA
bruk gh ugha Jh ehjpankuh ,oa
Jh nhikuh us crk;k fd fnYyh
fo'ofo|ky; esa lkyksa ls lapkfyr
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lsokfuo`Ùk gks pqds gSa] muds in
Hkh Hkjs ugha tk jgs gSa Bhd mlh rjg
tSls jkT;ksa esa Ldwyksa esa inLFk fla/h
Hkk"kh f'k{kdksa ds lsokfuo`Ùk gksus ds
ckn muds in n'kZdksa ls [kkyh iM+s
gSa] ,sls esa fla/h Hkk"kk iwjh rjg ls
[kRe gksus dh dxkj ij [kM+h gSA
11. lar daojjke eafnj
esa f'koiqjk.k dFkk
lar daojjke eafnj yktir uxj esa
xr 17 ls 25 vxLr rd f'ko iqjk.k
dh dFkk o`Unkou ls i/kjs vkpk;Z
e/qjke th }kjk euksgkjh :i ls
laxhr o >kafd;ksa ds ekè;e ls dh
xbZA Hkxoku f'ko ds ifo=k lkou
ekl esa f'ko HkDr vk'kk 'kekZ ds
lg;ksx o lkStU; ls ;g dFkk 9
fnu rd pyhA
dFkk dh lekfIr gou o 'kgukbZ dh
e/qj xwat ls gqbZA dFkk ds vk;kstu
esa flU/h uothou lHkk dh lHkh
inkf/dkjh ftuesa vè;{k Jh vej
ea'kkuh] ujsUnz elan] pkan eYdkuh]
th-vkj- ehjkuh] /eZnkl 'kgnkniqjh]
lquhy pksiM+k] txnh'k elan] pUnj
elan] vtqZu [ksekuh] vtqZu Nrokuh]
lquhy jk;fla?kkuh] nhid jkeokuh o
vU; us vius vFkd iz;klksa ls bl
dk;ZØe dh :i js[kk o liQyrk
dks lqfuf'pr djus ds fy, iz;kl
fd,A
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o lektlsok ls iz;kljr flU/h
uothou lHkk dks lk/qoknA
11fny&,&flU/kfnYyh% 01 flrEcj 15 flrEcj 2018 rd
Shubham Jeswani
9811913063
Raman Deep Singh
9350938877
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12. c
5. Advances
Previous Year Liabilities Current Year Previous Year Assets Current Year
1. Capital 1. Cash
20,000,000 .00 Authorised Share Capital 20,0 00,000.00 1,608,510.00 Cash in Hand 3,712,579.00 3,712,579.00
Subscribed & Paid Up Capital (Share of Rs.100/‐each) 12,233,200.00 12,233,200.00
12,287,900 .00 (P.Y 122879 shares of Rs.100/‐ each) 2. Balance with Banks
2. Reserves & Surplus PNB Bank 3,003,620.05
Kotak Mahindra Bank 145,838.68
Nominal Membership Fee 5,600.00 HDFC Bank 504,135.34
Provision against Standard Assets 79,000.00 IDBI Bank 591,685.40
Provision for SSA & Loss Assets 2,236,812.00 Bandhan Bank 581,747.00
Overdue Interest Reserve A/c (NPA) 3,629,3 68.16 18,819,478.23 Yes Bank Collection A/ 2,327,096.15 7,154,122.62
Provision for Syndicate Bank ‐
Profit for the Previous Year 290,619.67 3.FDR with Banks
6,095,619 .67 Loss for the Year 817,638.62 5,4 23,761.21 IDBI Bank 29,000,000.00
PNB 6,000,000.00
3. Deposits And Other Accounts Yes Bank 4,000,000.00
56,150,765.77 Bandhan Bank 10,146,158.00 49,146,158.00
Fixed Deposits 58,055,938.19
Recurring Deposits 4,511,826.16 4. Accrued Interest
Overdue FDR 190,665.00
Saving Bank 19,938,2 97.89 4,015,911.00 Interest Recievable on NPA 3,629,368.16
Current A/c 15,943,8 88.35 1,134,628.00 Interest Accrued on FD 1,183,361.00
Cash Credit Balance 6,7 06.00 464,438.00 Interest Accrued on Govt. Securities 414,649.00
112,762,718 .39 Overdraft Credit Balances 248,874.47 98,896,196.06 5,227,378.16
5. Advances
4. Other Liabilities
Current A/c, Cash Credit, Overdrafts, TP & BP 13,834,311.49
Pay Order Payable 2,984,108.75 Demand Loan/Secured Loan 9,713,151.00
Rent Payable 453,2 81.00 30,340,722.29 Term Loan 5,386,204.00 28,933,666.49
Revenue Expenditure 109,000.00
Yes Bank A/c 6. Fixed Assets (As Per Schedule)
Sundry Deposits General
Unclaimed DD Reserve 1,025.00 WDV as on 01.04.2017 1,865,852.00
TDS Payable 76,450.00 Less: Depreciation for the year 232,517.00
Intt Payable onOverdue FDR's 91,5 61.00 1,865,852.00 1,633,335.00
7,957,340 .25 Pay Order Upto 12‐10‐2001 72,154.00 3,7 87,579.75 7. Investment in Govt. Securities
21,456,350.00 Investment in Govt. Securities 21,543,350.00
31,668.00 Investment premium 125,094.00 21,668,444.00
8. Other Assets
Advance rent from bank premises 180,000.00
Stationary And Stocks 51,930.74
Stamp In Hand 5,180.00
Advance Tax 162,370.00
Suspense General 2,458,671.01
3,215,255.01 Suspense Deaf A/c 6,902.00 2,865,053.75
139,103,578 .30 TOTAL Rs. 120,3 40,737.02 139,103,578.30 TOTAL Rs. 120,340,737.02
CONTINGENT LIABILITIES
5,180,000 .00 Outstanding liabilities for guarantee issued NIL
12fny&,&flU/kfnYyh% 01 flrEcj 15 flrEcj 2018 rd
INNOVATIVE CO-OPERATIVE URBAN BANK LIMITED
FIRST FLOOR, CENTRAL MARKET, ASHOK VIHAR, DELHI-110052
BALANCE SHEET AS AT 31ST MARCH 2018
INCOME AND EXPENDITURE ACCOUNT AS AT 31ST MARCH 2018
Previous Year Expenditure Current Year Previous Year Income Current Year
6,921,481.00 To Interest on Deposits 6,028,80 3.00 4,340,9 85.00 By Interest & Discount 3,699,527.00
1,506,650.00 To Salaries &Allowances 1,994,75 0.00 3,583,3 11.02 By Interest on Deposit with Banks 3,756,907.43
‐ To Bank Charges 57 5.00 983,1 20.00 By Commission & Exchange 684,259.00
1,080,000.00 To Rent 1,485,50 0.00 94,2 61.00 By Interest Received on Secured Loan 124,950.00
175,540.00 To Electricity Charges 168,19 0.00 1,783,8 44.00 By Interest on Investment with GOI 1,889,876.83
129,355.00 To Insurance (General & DICGC) 148,15 3.00 176,0 00.00 By Locker Rent 231,939.00
4,992.00 To Postage & Telegram 7,59 0.00 769,6 82.28 By Other Recipts 967,724.71
45,935.00 To Telephone 34,319.00 By CGST & SCGT Reverse Charge 57,631.00
263,647.55 To Repair & Maintainence 345,838.00
11,790.00 To Clearing House Charges 17,635.50 By Loss (817,638.62)
137,059.00 To General Body Meeting Expenses 144,481.00
5,241.00 To Investment Premium 17,574.00
13,700.00 To Water Charges 12,950.00
54,471.00 To Conveyance 42,964.00
80,204.50 To Branch Maintainence Expenses 68,790.83
275,932.00 To Depreciation 232,517.00
77,320.00 To Auditor's Fees 103,840.00
343,488.00 To Law Charges 307,450.00
32,250.00 To Professional Charges 108,535.00
68,747.00 To Printing & Stationary 73,089.26
45,021.00 To Staff Welfare & Business Promotion 43,911.00
2,000.00 To Advertisement Expenses 2,000.00
19,832.00 To Education Fund 1,715.00
114,588.00 To Provision NPA A/c 590,323.00
‐ To Election Expenses 5,100.00
‐ To CGST Input & Output 243,860.00
231,780.00 To provision for income tax ‐
4,450.00 To recovery charges ‐
85,729.25 To bal. t/f to reserves and surplus ‐
11,731,203.30 12,230,45 3.59 11,731,203.30 12,230,453.59
‐ To excess of expenditure over income b/f (817,63 8.62) 85,7 29.25 By excess of income over expenditure b/f ‐
85,729.25 TOTAL (Rs.) (817,63 8.62) 85,729.25 TOTAL (Rs.) (817,638.62)
As per our report of even date attached For Innovative Co-Operative Urban Bank Ltd.
For Sushil K. Jain Chawla And Co.
(Chartered Accountants)
FRN No.-01037N Rajender Kumar Jain Ruchi Gupta Rakesh Aggarwal Mahendra Kumar
Sd/- Sushil K. Jain (Partner) (Chairman) (Vice-Chairperson) (Director) (CEO )
M.No.:-15640
Place: New Delhi. Date: 14-08-2018
Sd/- Sd/- Sd/- Sd/-