THE KENDRAPARA URBAN CO-OPERATIVE BANK LTD
Trusted banking for every milestone
Financial Status
Balance Sheet & Profit-Loss Statement as on 31st March, 2026
₹521.60Cr
Grand Total (2025-26)
₹220.01Cr
Total Deposits
₹384.43L
Net Profit After Tax
| Head of Account | Previous Year (Rs.) | Current Year (Rs.) |
|---|---|---|
| 1. Paid up Share Capital | ||
| (a) Individual Share Capital | 5,47,99,340 | 6,07,16,171 |
| (b) Nominal Share | 20,985 | 21,335 |
| (c) Govt. Share Capital | 0 | 0 |
| Total | 5,48,20,325 | 6,07,37,506 |
| 2. Reserve Fund & Other Reserves | ||
| (a) Statutory Reserve Fund | 3,12,64,922 | 3,34,69,266 |
| (b) Building Fund | 75,19,745 | 77,32,479 |
| (c) Dividend Equalisation Fund | 0 | 0 |
| (d) Infrastructure Development Fund | 0 | 0 |
| (e) Flood and Famine Fund | 1,274 | 1,274 |
| (f) Common Good Fund | 7,22,647 | 10,13,748 |
| (g) Coop. Education Fund | 46,047 | 50,094 |
| (h) Jubilee Fund | 87,966 | 87,966 |
| (i) Investment Depreciation Reserve | 15,62,000 | 1,00,25,025 |
| (j) Building Revaluation Reserve | 3,58,58,500 | 3,47,22,650 |
| (k) Investment Fluctuation Reserve | 49,80,000 | 59,80,000 |
| (l) DEAF Fund | 3,803 | 1,823 |
| Total | 8,20,46,904 | 9,30,84,325 |
| 4. Deposits | ||
| Savings Bank Deposit (Individual) | 46,52,41,695 | 52,84,99,723 |
| In-Operative Savings Bank Deposits | 52,59,787 | 1,04,29,839 |
| Fixed Deposit & Other Deposits (Individuals) | 1,45,70,81,947 | 1,60,78,19,850 |
| Current Deposits (Individuals) | 6,15,06,928 | 5,31,04,066 |
| In-Operative Current Deposits | 4,18,076 | 2,40,917 |
| Total Deposits | 1,98,95,08,433 | 2,20,00,94,395 |
| Other Liabilities & Provisions | ||
| Interest Payable on Deposits | 1,18,50,635 | 1,13,50,850 |
| Interest Payable on Matured FD | 8,59,458 | 11,15,026 |
| Interest Payable on Matured Pragati | 75,78,141 | 83,18,513 |
| Interest Payable on Matured RD | 3,17,113 | 3,60,783 |
| Ex-gratia Interest Payable | 17,456 | 17,456 |
| Provision for O.D. Interest Reserve | 21,03,99,338 | 25,02,86,815 |
| Provision Accounts | 45,04,929 | 25,54,929 |
| Prov. for Bad & Doubtful Asset (NPA Reserve) | 18,02,82,381 | 15,02,82,381 |
| Prov. for Standard Asset | 1,01,29,710 | 1,01,29,710 |
| Provision for Advance Tax | 50,00,000 | 50,00,000 |
| Provision for GST | 18,12,000 | 18,12,000 |
| Sundry Liabilities | 78,95,308 | 2,55,51,950 |
| Audit Fees Payable | 8,13,540 | 7,87,941 |
| Pay Order | 73,980 | 2,70,462 |
| Demand Draft | 3,22,390 | 3,21,737 |
| PA Reserve Account | 14,49,015 | 14,91,203 |
| Profit for the Year | 76,01,184 | 3,84,42,603 |
| GRAND TOTAL | Rs. 47,03,67,339 | Rs. 52,16,00,643 |
Figures in the “Previous Year” column are stated on the same comparative basis as reported in the bank’s audited books. Amounts are in Indian Rupees.
| Expenditure | Amount (Rs.) | Income | Amount (Rs.) |
|---|---|---|---|
| Interest on Deposits & Borrowings | 12,69,65,505 | Interest & Discount | 21,73,84,844 |
| Salary & Allowances | 4,73,62,988 | Commission, Exchange & Brokerage | 30,243 |
| Rent, Taxes, Insurance, Lighting | 47,31,297 | Commission from G.I.S. | 0 |
| Legal Expenditure | 2,66,461 | Commission from RuPay | 1,508 |
| Postage, Telegramme, Telephone | 1,55,318 | Other Incomes | 31,04,734 |
| Audit Fees Paid | 6,84,626 | Legal Expense (recovered) | 0 |
| Depreciation & Repair | 16,63,116 | Commission on RTGS | 1,61,156 |
| Printing, Stationery, Advertisement | 11,09,670 | Excess Provision Now Written Back | 3,00,00,000 |
| O.T.S. Loss | 0 | ||
| Other Expenses | 38,72,222 | ||
| Prov. for Bad & Doubtful Asset (NPA) | 0 | ||
| Prov. for Standard Asset | 0 | ||
| Prov. for Restructuring Loans | 0 | ||
| Prov. for Advance Tax | 0 | ||
| Prov. for Leave Encashment | 0 | ||
| Depreciation Reserve | 84,63,025 | ||
| Profit Before Tax | 5,54,08,256 | ||
| Total | 25,06,82,485 | Total | 25,06,82,485 |
| Income Tax (Provision) | 1,69,65,653 | Net Profit Brought Down | 5,54,08,256 |
| Net Profit After Tax Transferred to Balance Sheet | 3,84,42,603 | ||
| Total | 5,54,08,256 | Total | 5,54,08,256 |