Disclosure in financial statements – ‘Notes to Accounts’

1. Regulatory Capital

   1. Composition of Regulatory Capital

      (Amount in ₹ crore)

      Sr. No.	Particulars	Curre nt Year	Previo us Year
      i)	Common Equity Tier 1 capital (CET 1)* / Paid up sharecapital and reserves@ (net of deductions, if any)	87.11	72.66
      ii)	Additional Tier 1 capital*/ Other Tier 1 capital@	0.00	0.00
      iii)	Tier 1 capital (i + ii)	87.11	72.66
      iv)	Tier 2 capital	11.67	11.05

      
      

      Sr. No.	Particula rs	Curre nt Year	Previo us Year
      v)	Total capital (Tier 1+Tier 2)	98.73	83.71
      vi)	Total Risk Weighted Assets (RWAs)	674.81	625.50
      vii)	CET 1 Ratio (CET 1 as a percentage of RWAs)* / Paid-up share capital and reserves as percentage of RWAs@	12.91	11.62
      viii)	Tier 1 Ratio (Tier 1 capital as a percentage of RWAs)	12.91	11.62
      ix)	Tier 2 Ratio (Tier 2 capital as a percentage of	1.73	1.76

      ‐ 1 ‐

      	RWAs)
      x)	Capital to Risk Weighted Assets Ratio (CRAR) (Total Capital as a percentage of RWAs)	14.64	13.38
      xi)	Leverage Ratio*	NA	NA
      xii)	Percentage of the shareholding of	NA	NA
      xiii)	Amount of paid-up equity capital raised during the year	0.00	0.00
      xiv)	Amount of non-equity Tier 1 capital raised during the year, of which: Give list7 as per instrument type (perpetual non-cumulative preference shares, perpetual debt instruments, etc.). Commercial banks (excluding RRBs) shall also specify if the instruments are Basel II or Basel III compliant.	NA	NA
      xv)	Amount of Tier 2 capital raised during the year, of which	0.00	0.00
      	a) Perpetual Cumulative Preference Shares b) Redeemable Non-Cumulative Preference Shares c) …..	0.00 0.00	0.00 0.00

      1. Government of India

      2. State Government (specify name)$

      3. Sponsor Bank$

      
      

      ‐ 2 ‐

      
      

   2. Draw down from Reserves

   Suitable disclosures mentioning the amount and the rationale for withdrawalshall be made regarding any draw down from reserves.

   
   

2. Asset liability management

   
   

   a) Maturity pattern of certain items of assets and liabilities

   
   

   (Amount in ₹ crore)

   	0 to 14 days	15days to 28 days	29days to up to 3mo nths	Over 3 months and up to 6 Months	Over 6 months and up to 1 year	Over 1 year and up to 3 years	Over 3 years and up to 5 years	Over 5 years	Total
   Deposit s	20.10	16.12	39.78	154.33	307.12	348.16	116.14	30.69	1032.43
   Advanc es	77.55	4.59	15.17	28.99	64.30	288.06	113.86	123.77	716.29
   Invest ments	15.94	19.16	38.34	99.26	129.32	62.00	20.68	3.21	387.91
   Borrowi ngs	0	0	0	0	0	0	0	0	0
   Forei gn Curre ncy	0	0	0	0	0	0	0	0	0

   ‐ 3 ‐

   asset s
   Forei gn Curre ncy liabil ities	0	0	0	0	0	0	0	0	0

   
   

3. Investments

1. Composition of Investment Portfolio

   
   

   As At 31st March 2022(current year balance sheet date)

   (Amount in ₹ crore)

   
   

   	Investments in India							Investments outside India				Total Investm ents
   	Govern ment Securit ies	Other Approve d Securiti es	Shar es	Debentu res and Bonds	Subsidia ries and/or joint ventur es	Othe rs	Total investm ents in India	Governm ent securitie s (including local authorit ies)	Subsidia ries and/or joint ventur es	Othe rs	Total Investm ents outside India
   Held to Maturity
   Gross	233.11	0	0	0	0	0	233.11	0	0	0	0	233.11

   ‐ 4 ‐

   
   

   
   

   Less: Provision for non- performing investments (NPI)	0	0	0	0	0	0	0	0	0	0	0	0
   Net	233.11	0	0	0	0	0	233.11	0	0	0	0	233.11
   Available for Sale
   Gross	14.90	0	0	0	0	0	14.90	0	0	0	0	14.90
   Less: Provision for depreciation and NPI	0	0	0	0	0	0	0	0	0	0	0	0
   Net	14.90	0	0	0	0	0	14.90	0	0	0	0	14.90
   Held for Trading
   Gross	0.00	0	0	0	0	0	0	0	0	0	0	0
   Less: Provision for depreciation and NPI	0.00	0	0	0	0	0	0	0	0	0	0	0
   Net	0.00	0	0	0	0	0	0	0	0	0	0	0
   Total Investments	248.01	0	0	0	0	0	248.01	0	0	0	0	248.01
   Less: Provision for non- performing investments	0	0	0	0	0	0	0	0	0		0	0
   Less: Provision for depreciation and NPI	0	0	0	0	0	0	0	0	0	0	0	0
   Net	248.01	0	0	0	0	0	248.01	0	0	0	0	248.01

   ‐ 5 ‐

   
   

   As at 31st March 2021 (previous year balance sheet date)

   
   

   (Amount in ₹ crore)

   	Investments in India							Investments outside India				Total Investm ents
   	Govern ment Securit ies	Other Approve d Securiti es	Shar es	Debentu res and Bonds	Subsidia ries and/or joint ventur es	Othe rs	Total investm ents in India	Governm ent securitie s (including local authorit ies)	Subsidia ries and/or joint ventur es	Othe rs	Total Investm ents outside India
   Held to Maturity
   Gross	210.57	0	0	0	0	0	210.57	0	0	0	0	210.57
   Less: Provision for non- performing investments (NPI)	0.00	0	0	0	0	0		0	0	0	0	0
   Net	210.57	0	0	0	0	0	210.57	0	0	0	0	210.57
   Available for Sale
   Gross	14.92	0	0	0	0	0	14.92	0	0	0	0	14.92
   Less: Provision for depreciation and NPI	0	0	0	0	0	0	0	0	0	0	0	0
   Net	14.92	0	0	0	0	0	14.92	0	0	0	0	14.92
   Held for Trading

   
   

   ‐ 6 ‐

   Gross	7.99	0	0	0	0	0	7.99	0	0	0	0	7.99
   Less: Provision for depreciation and NPI	0	0	0	0	0	0	0	0	0	0	0	0
   Net	7.99	0	0	0	0	0	7.99	0	0	0	0	7.99
   Total Investments	233.48	0	0	0	0	0	233.48					233.48
   Less: Provision for non- performing investments	0	0	0	0	0	0	0	0	0	0	0	0
   Less: Provision for depreciation and NPI	0	0	0	0	0	0	0	0	0	0	0	0
   Net	233.48	0	0	0	0	0	233.48	0	0	0	0	233.48

   
   

   
   

   ‐ 7 ‐

   
   

   
   

2. Movement of Provisions for Depreciation and Investment FluctuationReserve

   (Amount in ₹ crore)

   Particula rs	Curre nt Year	Previous Year
   HFT/Current category	0.00 0.00 0.00 0.00 3.24 0.00 0.00 3.24 21.74%	1.05 0.00 1.05 0.00 2.19 1.05 0.00 3.24 14.14%

   1. Movement of provisions held towards depreciation oninvestments

      1. Opening balance

      2. Add: Provisions made during the year

      3. Less: Write off / write back of excess provisionsduring the year

      4. Closing balance

   2. Movement of Investment Fluctuation Reserve

      1. Opening balance

      2. Add: Amount transferred during the year

      3. Less: Drawdown

      4. Closing balance

   3. Closing balance in IFR as a percentage of closing balance ofinvestments in AFS and

   
   

3. Sale and transfers to/from HTM category : Nil

   
   

   There are no sales and transfers of securities to/from HTM category exceeds 5 per cent of the book value of investments held in HTM category at the beginning of the year. Hence 3(c) of the Investments not applicable to the bank.

   
   

4. Non-SLR investment portfolio

1. Non-performing non-SLR investments

   
   

   (Amount in ₹ crore)

   Sr. No.	Particula rs	Current Year	Previous Year
   a)	Opening balance	0.00	0.00
   b)	Additions during the year since 1st April	0.00	0.00
   c)	Reductions during the above period	0.00	0.00
   d)	Closing balance	0.00	0.00
   e)	Total provisions held	0.00	0.00

2. Issuer composition of non-SLR investments(Amount in ₹ crore)

   Sr. No .	Issu er	Amount		Extent of Private Placeme nt		Extent of ‘Below Investment Grade’ Securities		Extent of ‘Unrat ed’ Securiti es		Extent of ‘Unlisted’ Securities
   (1)	(2)	(3)		(4)		(5)		(6)		(7)
   		Curre nt yea r	Previo us Yea r	Curre nt yea r	Previo us Year	Curr ent ye ar	Previou s Year	Cur re nt ye ar	Previous Year	Curr ent yea r	Previous Year
   a)	PSUs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
   b)	FIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
   c)	Banks	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
   d)	Private Corporates	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
   e)	Subsidiaries/ Joint Ventures	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
   f)	Others	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
   g)	Provision held towards depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
   	Total *	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

   Note:

   1. *For UCBs, the total shall match the total of non-SLR investments held by the bank.

   2. Amounts reported under columns 4, 5, 6 and 7 above may not be mutually exclusive.

1. Asset quality

   1. Classification of advances and provisions held (Rs in Crore)

      	Standard	Non- Performing				Tot al
      	Total Standard Advances	Substandard	Doubt ful	Loss	Total Non- Perfor ming Advanc es
      Gross Standard Advances and NPAs
      Opening Balance	625.44	15.01	30.51	0.00	45.52	670.96
      Add: Additions during the year	46.33	0.00	5.38	0.00
      Less: Reductions during the year*	0.00	6.38	0.00	0.00
      Closing balance	671.77	8.63	35.89	0.00	44.52	716.29
      *Reductions in Gross NPAs due to:
      i) Upgradation
      ii) Recoveries (excluding recoveries from upgraded accounts)
      iii) Technical/ Prudential16 Write-offs
      iv) Write-offs other than those under (iii) above
      Provisions (excluding Floating Provisions)
      Opening balance of provisions held					26.32	26.32
      Add: Fresh provisions made during the year					2.94	2.94
      Less: Excess provision reversed/ Write-off loans					0.00	0.00
      Closing balance of provisions held					29.26	29.26
      Net NPAs17
      Opening Balance
      Add: Fresh additions during the year
      Less: Reductions during the year
      Closing Balance					15.26	687.03

      
      

      
      

      	Standard	Non- Performing				Tot al
      	Total Standard Advance s	Substanda rd	Doubtful	Los s	Total Non-Perform ing Advances
      	0	0	0	0	0	0
      Floating Provisions
      Opening Balance
      Add: Additional provisions made during the year
      Less: Amount drawn down18 during the year
      Closing balance of floating provisions
      Technical write-offs and the recoveries made thereon	0	0	0	0	0	0
      Opening balance of Technical/ Prudential written- off accounts
      Add: Technical/ Prudential write-offs during the year
      Less: Recoveries made from previously technical/ prudential written-off accounts during the year
      Closing balance						0

      
      

      Ratios19 (in per cent)	Curre nt Year	Previous Year
      Gross NPA to Gross Advances	6.22%	6.78%
      Net NPA to Net Advances	2.22%	2.98%
      Provision coverage ratio	65.73%	57.82%

      
      

   2. Sector-wise Advances and Gross NPAs (Amount in ₹ crore)

      Sr. No.	Secto r*	Current Year			Previous Year
      		Outstandi ngTotal Advances	Gross NPAs	Percentage of Gross NPAs to Total Advances in that sector	Outstandi ngTotal Advances	Gross NPAs	Percentag e ofGross NPAs to Total Advances in that sector
      i)	Priority Sector
      a)	Agriculture and allied activities	0.07	0.00	0.00	0.04	0.00	0.00
      b)	Advances to industries sector eligible as priority sector lending	419.14	29.06	4.06	293.27	25.99	3.87
      c)	Services
      d)	Personal loans( Include housing, Education)	84.32	2.27	0.32	94.72	2.87	0.43
      	Subtotal (i)	503.53	31.33	4.38	388.03	28.86	4.30
      ii)	Non-priority Sector
      a)	Agriculture and allied activities	0.00	0.00	0.00	0.00	0.00	0.00
      b)	Industry	0.00	0.00	0.00	0.00	0.00	0.00
      c)	Services
      d)	Personal loans	212.76	13.19	1.84	282.93	16.66	2.48
      	Sub-total (ii)	212.76	13.19	1.84	282.93	16.66	2.48
      	Total (I + ii)	716.29	44.52	6.22	670.96	45.52	6.78
      *Banks shall also disclose in the format above, sub-sectors where the outstanding advances exceeds 10 percent of the outstanding total advances to that sector. Forinstance, if a bank’s outstanding advances to the mining industry exceed 10 percent of the outstanding total advances to ‘Industry’ sector it shall disclose details of its outstanding advances to mining separately in the format above under the ‘Industry’ sector.

   3. Overseas assets, NPAs and revenue

      Not Applicable

      (Amount in ₹ crore)

      Particula rs	Current Year	Previous Year
      Total Assets
      Total NPAs
      Total Revenue

      
      

      i) Details of accounts subjected to restructuring21

      (Applicable to LABs, RRBs and UCBs)

      
      

      		Agricultur e and allied activities		Corporat es (excluding MSME)		Micro, Small and Medium Enterprises (MSME)		Retail (excluding agriculture and MSME)		Total
      		Curre nt Yea r	Previo us Yea r	Curre nt Yea r	Previo us Yea r	Curre nt Yea r	Previo us Yea r	Curre nt Yea r	Previo us Yea r	Curre nt Yea r	Previo us Yea r
      Standa rd	Number of borrowers	0	0	0	0	20	0	0	0	20	0
      	Gross Amount (₹ crore)	0	0	0	0	18.90	0	0	0	18.90	0
      	Provision held (₹ crore)	0	0	0	0	1.89	0	0	0	1.89	0
      Sub- stand ard	Number of borrowers	0	0	0	0	0	0	0	0	0	0

      
      

      
      

      
      

      		Agricultur e and allied activities		Corporat es (excluding MSME)		Micro, Small and Medium Enterprise s (MSME)		Retail (excluding agriculture and MSME)		Total
      		Curre nt Yea r	Previo us Yea r	Curre nt Yea r	Previo us Yea r	Curre nt Yea r	Previo us Yea r	Curre nt Yea r	Previo us Yea r	Curre nt Yea r	Previo us Yea r
      	Gross Amount (₹ crore)	0	0	0	0	0	0	0	0	0	0
      	Provision held (₹ crore)	0	0	0	0	0	0	0	0	0	0
      Doubt ful	Number of borrowers	0	0	0	0	0	0	0	0	0	0
      	Gross Amount (₹ crore)	0	0	0	0	0	0	0	0	0	0
      	Provision held (₹ crore)	0	0	0	0	0	0	0	0	0	0
      Total	Number of borrowers	0	0	0	0	20	0	0	0	20	0
      	Gross Amount (₹ crore)	0	0	0	0	18.90	0	0	0	18.90	0
      	Provision held (₹ crore)	0	0	0	0	1.89	0	0	0	1.89	0

      
      

      LABs, RRBs and UCBs shall disclose in their published Annual Balance Sheets the amount and number of accounts in respect of which applications for restructuring are under process, but the restructuring packages have not yet been approved.

      
      

   4. transfer of loan exposures NIL

      
      

   5. Fraud accounts

      
      

      
      

      	Current year	Previous year
      Number of frauds reported	0	0
      Amount involved in fraud (₹ crore)	0	0
      Amount of provision made for such frauds (₹ crore)	0	0
      Amount of Unamortised provision debited from ‘other reserves’ as at the end of the year (₹ crore)	0	0

      
      

   6. Resolution Framework for COVID-19-relatedStress NIL

      
      

2. Exposures

   
   

   1. Exposure to real estate sector

      (Amount in ₹ crore)

      Catego ry	Curre nt year	Previo us Year
      i) Direct exposure Lending secured by mortgages on commercial real estate (office buildings, retail space, multipurpose commercial premises, multifamily residential buildings, multi tenanted commercial premises, industrial or warehouse space, hotels, land acquisition, development and construction, etc.). Exposure would also include non-fund based (NFB) limits;	12.56	9.77

      1. Residential Mortgages –

      2. Commercial Real Estate –

      3. Investments in Mortgage-Backed Securities (MBS) and othersecuritized exposures –

         1. Residential

         2. Commercial Real Estate

      
      

      ii) Indirect Exposure Fund based and non-fund-based exposures on National Housing Bankand Housing Finance Companies.
      Total Exposure to Real Estate Sector	12.56	9.77

      
      

   2. Exposure to capital market :Nil

   3. Risk category-wise country exposure: not applicable

      
      

   4. Unsecured advances

      (Amounts in ₹ crore)

      
      

      Particula rs	Curre nt Year	Previo us Year
      Total unsecured advances of the bank	0.10	0.20
      Out of the above, amount of advances for which intangible securities such as charge over the rights, licenses, authority, etc. have been taken
      Estimated value of such intangible securities

      
      

   5. Factoring exposures

   There is no Factoring exposures to the Bank for Financial Year 2021-2022

   
   

   
   

3. Concentration of deposits, Advances, exposures and NPAs

   
   

   1. Concentration of deposits

      (Amount in ₹ crore)

      Particula rs	Curre nt Year	Previo us Year
      Total deposits of the twenty largest depositors	123.16	127.58
      Percentage of deposits of twenty largest depositors to totaldeposits of the bank	11.93%	13.22%

      
      

   2. Concentration of advances*

      
      

      (Amount in ₹ crore)

      Particula rs	Curre nt Year	Previo us Year
      Total advances to the twenty largest borrowers	58.80	58.45
      Percentage of advances to twenty largest borrowers to totaladvances of the bank	8.21%	8.71%

      *Advances shall be computed based on credit exposure i.e. funded and non-funded limits including derivative exposures where applicable. The sanctioned limits or outstanding, whichever are higher, shall be reckoned. However, in the case of fully drawn term loans, where there is no scope for re-drawal of any portion of the sanctioned limit, banks may reckon the outstanding as the credit exposure

      
      

   3. Concentration of exposures**

   (Amount in ₹ crore)

   Particula rs	Curre nt Year	Previo us Year
   Total exposure to the twenty largest borrowers/customers	88.88	89.58
   Percentage of exposures to the twenty largest borrowers/ customers to the total exposure of the bank on borrowers/ customers	9.64%	10.37%

   	Curre nt Year	Previo us Year
   Total Exposure to the top twenty NPA accounts	23.27	26.49
   Percentage of exposures to the twenty largest NPA exposure to total Gross NPAs.	52.27%	58.19%

   **Exposures shall be computed as per applicable RBI regulation.Concentration of NPAs (Amount in ₹ crore)

   
   

4. Derivatives

   1. Forward rate agreement/Interest rate swap: nil

      
      

5. Disclosures relating to securitization : Not applicable

6. Off balance sheet SPVs sponsored (which are required to beconsolidated as per accounting

   norms)

   (Not Applicable to RRBs, LABs, PBs, and UCBs)

   
   

7. Transfers to Depositor Education and Awareness Fund (DEA Fund)

   (Amount in ₹ crore)

   Sr. No.	Particula rs	Curre nt Year	Previo us Year
   i)	Opening balance of amounts transferred to DEA Fund	1.50	0.28
   ii)	Add: Amounts transferred to DEA Fund during the year	0.33	1.22
   iii)	Less: Amounts reimbursed by DEA Fund towards claims	0.00	0.00
   iv)	Closing balance of amounts transferred to DEA Fund	1.83	1.50

   
   

8. Disclosure of complaints

   
   

   1. Summary information on complaints received by the bank from customersand from the Offices of Ombudsman

      
      

      S r . N o		Particula rs	Previo us year	Curre nt year
      	Complaints received by the bank from its customers
      1 .		Number of complaints pending at beginning of the year	0	0
      2 .		Number of complaints received during the year	0	0
      3 .		Number of complaints disposed during the year	0	0
      	3.1	Of which, number of complaints rejected by the bank	0	0
      4 .		Number of complaints pending at the end of the year	0	0
      	Maintainable complaints received by the bank from Office of Ombudsman

      
      

      5 .		Number of maintainable complaints received by the bankfrom Office of Ombudsman
      	5.1.	Of 5, number of complaints resolved in favour of the bankby Office of Ombudsman	0	0
      	5.2	Of 5, number of complaints resolved through conciliation/mediation/advisories issued by Office of Ombudsman	0	0
      	5.3	Of 5, number of complaints resolved after passing of Awards by Office of Ombudsman against the bank	0	0

      
      

      
      

      6 .		Number of Awards unimplemented within the stipulatedtime (other than those appealed)	0	0
      Note: Maintainable complaints refer to complaints on the grounds specifically mentioned in Integrated Ombudsman Scheme, 2021 (Previously Banking Ombudsman Scheme, 2006) and covered within the ambit of the Scheme.

      
      

   2. Top five grounds of complaints received by the bank from customers

   
   

   Grounds of complaints, (i.e. complaints relating to)	Number of complaints pending at the beginning of the year	Number of complai nts received during the year	% increase/ decrease in thenumber of complaints received over the previous year	Number of complai nts pending atthe end of the year	Of 5, number of complai nts pending beyond 30 days
   1	2	3	4	5	6
   	Current Year
   Ground - 1	0	0	0	0	0
   Ground - 2	0	0	0	0	0
   Ground - 3	0	0	0	0	0
   Ground - 4	0	0	0	0	0
   Ground - 5	0	0	0	0	0
   Others	0	0	0	0	0
   Total	0	0	0	0	0
   	Previous Year
   Ground - 1	0	0	0	0	0
   Ground - 2	0	0	0	0	0
   Ground - 3	0	0	0	0	0
   Ground - 4	0	0	0	0	0
   Ground - 5	0	0	0	0	0
   Others	0	0	0	0	0
   Total	0	0	0	0	0

   
   

   
   

9. Disclosure of penalties imposed by the Reserve Bank of India

   
   

   There are no penalties imposed by the Reserve bank of India in the Financial year 2021-22.

   
   

10. Disclosures on remuneration

    (Applicable to Banking Companies, including Foreign Banks operating in India)

    
    

    Banks are required to make disclosure on remuneration of Whole TimeDirectors/ Chief Executive Officers/ Material Risk Takers on an annual basis atthe minimum, in their An

    
    

    Remuneration to Directors NIL

    
    

    Remuneration to Chief Executive Officer Rs. 14,66,660/- (Annually)

    
    

11. Other Disclosures

    
    

    1. Business ratios

       
       

       Particu lar	Current Year	Previous Year
       	9.73% 0.11% 6.88% 4.14%	9.80% 0.27% 7.02% 3.75%

       1. Interest Income as a percentage to Working Funds

       2. Non-interest income as a percentage to Working Funds

       3. Cost of Deposits

       4. Net Interest Margin

       
       

       
       

       Working funds to be reckoned as average of total assets (excluding accumulated losses, if any) as reported to Reserve Bank of India in Form X for Commercial Banks and Form IX for UCBs., during the 12 months of the financial year.

       Net Interest Income/ Average Earning Assets. Net Interest Income= Interest Income – Interest Expense

       
       

       Particu lar	Current Year	Previous Year
       	2.66% 0.89% 12.86 0.07	2.32% 0.84% 11.36 0.06

       1. Operating Profit as a percentage to Working Funds35

       2. Return on Assets

       3. Business (deposits plus advances) per employee (in ₹ crore)

       4. Profit per employee (in ₹ crore)

       
       

    2. Bank assurance business

       Not applicable

       
       

    3. Marketing and distribution

       Not applicable

       
       

    4. Disclosures regarding Priority Sector Lending Certificates (PSLCs)

       The amount of PSLCs (category-wise) sold and purchased during the year shall be disclosed.

       
       

    5. Provisions and contingencies(Amount in ₹ crore)

       
       

       
       

       Provision debited to Profit and Loss Account	Current Year	Previous Year
       i) Provisions for NPI
       ii) Provision towards NPA
       iii) Provision made towards Income tax	6.45	5.00
       iv) Other Provisions and Contingencies (with details)
       i)Premium amortization on Govt.Securities	0.16	0.17
       ii) Employees Privileged Leave Fund	0.58	0.55
       iii)Employees Gratuity Fund	0.70	0.70
       iv)Provision for Standard Asset	2.09	1.18
       v)Provision for Additional BDR	2.50	6.90
       vi) Provision for IFR		1.05
       vii) Building Fund	7.70

    6. Payment of DICGC Insurance Premium

       (Amount in ₹ crore)

       Sr. No.	Particula rs	Current Year	Previous Year
       i)	Payment of DICGC Insurance Premium	1.39	1.28
       ii )	Arrears in payment of DICGC premium	0.00	0.00

       
       

    7. Disclosure of facilities granted to directors and their relatives

       (Applicable for UCBs)

       Nil

       
       

    8. Disclosure on amortisation of expenditure on account of enhancementin family pension of employees of banks

Not Applicable

Chief Executive Officer Director Vice-President President

for RAVI SARMA & CO.,

Chartered Accountants

Place: Kakinada.

Date :11.06.2022 (CA. V. Ravi Sarma)

Partner M.No. 026923

FRN: 015606 S

UDIN: 22026923AKTHSE4479