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Financial Details

Balance Sheet

Sl. No.

LIABILITIES & ASSETS

Actual

Actual

Actual

2014-15

2015-2016

2016-17

1

Promoters contribution

49.27

88.55

93.26

2

IMEF-Subordinate Debt

75

75

               -  

3

General Reserves & Surplus

173

242

288.55

4

Total Capital Fund

297.47

405.53

381.81

5

Secured Loan

647.79

473.1

631.89

6

Unsecured Loan

 -  

15.1

9.43

7

Loan Loss Reserve

27

8.2

13.68

8

Other current Liabilities

 -  

6.16

11.65

9

Sundry creditors

157

31.81

               -  

10

Total Liabilities

1129.23

939.90

1048.46

11

Net fixed assets

30

33.05

39.53

12

Micro credit loans extended

1052

820

894.25

13

Cash & bank balance

6.2

22.25

18.22

14

Long Term loans & Advance

0

4.07

10.76

15

Other current assets

3.9

7.62

14.65

16

Investments

37.13

52.56

71.05

 

Total Assets

1129.23

939.90

1048.46


Income & Expenditure

Sl No

Financial Details

Actual

Actual

Actual

2014-15

2015-2016

2016-17

1

Income from MF Operations- Interest on Loan to SHG members

137

200.54

191.52

2

Processing fees/Charges

14

13.3

13.19

3

Bank Interest

0.19

7.89

8.83

4

Other Income

23.81

3.99

11.02

5

Grant From Nabard

0.28

0

0.37

6

Total Financial Income (A)

174.55

225.85

224.93

7

FINANCIAL COSTS

 

 

 

8

Interest on Borrowing

55.27

78.86

59.36

9

Gross Financial Margin

119.28

146.99

165.57

10

Loan loss  provision

17.4

8.2

5.47

11

Net Financial Margin (C)

101.88

138.79

160.1

12

Operating Expenses :

 

 

 

13

Personnel Expenses

44.56

46.3

51.43

14

Depreciation

3.33

3.64

7.68

15

Administrative Expenses

30.72

44.36

53.11

16

Total Operating Expenses (D)

78.61

94.3

112.22

17

Net Operating Profit (C-D)

23.27

44.49

47.88

18

Tax (If applicable)

2.05

 -  

1.30

19

PAT

21.22

44.49

46.58

20

Provisions add back

 -  

24.3

               -  

21

Surplus for the year

21.22

68.78

46.58

22

Net Cash Accruals

41.95

80.62

59.73

23

Transfer to: -

 

 

 

24

General Reserve

41.95

72.42

59.73


Cash Flow

Sl. No.

SOURCES/ INFLOW

Actual

Actual

Actual

2014-15

2015-2016

2016-17

1

Increase in  Capital/Corpus

13.52

39.28

4.71

2

IMEF-Subordinate Debt

 -  

 -  

        (75.00)

3

Net Cash accruals from operations

41.98

72.42

59.73

4

Borrowings from Banks / FI

312.11

102

153.12

5

Repayment received from borrowers

1160

1578.75

1244

6

Decresed Current Assets

 -  

 -  

 -  

7

Increase other current Liabilities

 -  

 -  

5.49

8

Decrease in Investments

 -  

 -  

 -  

9

Increased Liability

158

 -  

(31.81)

10

Total Inflow (A)

1685.61

1792.44

1360.24

11

USES/OUTFLOW

 

 

 

12

Capital Expenditure

5.5

5.82

15.28

13

Disbursements to borrowers (MFI & Energy)

1588

1347

1320

14

Inv in TDR - for TL and other lenders

 -  

15.43

18.49

15

Increase in current Assets

4.1

6.3

13.72

16

Decrease in other liabilities

 -  

140.33

 -  

17

Capital Fund Withdrawn

0.59

 -  

 -  

18

Total Outflow(B)

1682.19

1775.70

1367.49

19

Opening Balance          (  C)

2.08

5.5

22.25

20

Surplus / Deficit (A-B)= D

3.42

16.62

(4.03)

21

Closing balance (C+D)

5.5

22.25

18.22