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3ITc1 IDBI Bank Limited

4,144 lif : alltribiTt Regd. Office : IDBI Tower,
coie‘c)cref, coLn zrtg, WTC Complex, Cuffe Parade,
CIN: L65190MH2004G01148838
aka - 400 005. Mumbai - 400 005.
a citnlar : (+91 22) 6655 3355 TEL.: (+91 22) 6655 3355
(+91 22) 6655 3405, 3410, 3404 (+91 22) 6655 3405, 3410, 3404
u-rf : (+91 22) 2218 0411 FAX : (+91 22) 2218 0411
: www.idbibank.in Website : www.idbibank.in

June 28, 2024

The Manager (Listing) The Manager (Listing)
B SE Ltd., National Stock Exchange of India Ltd.,
25th Floor, Phiroze Jeejeebhoy Towers, Exchange Plaza, 5th Floor,
Dalal Street, Fort, Plot No. C/1, G Block,
Mumbai — 400 001 Bandra Kurla Complex, Bandra(E),
Mumbai — 400 051

Dear Madam/Sir,

Annual Report for FY 2023-24

In terms of Regulations 34 and 53 of the SEBI (LODR) Regulations, 2015,

please find attached the Annual Report including the Business Responsibility &
Sustainability Report (BRSR) of IDBI Bank for the FY 2023-24 along with the
Notice of the 20th AGM of the Bank.

Kindly acknowledge receipt and take the above on record.

Yours faithfully,
For IDBI Bank Ltd.
JYOTHI Digitally signed by
JYOTHI BIJU NAIR

BIJU NAIR Date: 2024.06.28

16:09:40 +05'30'

Company Secretary

Enclosure: As above
\vaVaya-saUcaI Contents
H$m°anmoaoQ> {dh§JmdbmoH$Z CORPORATE OVERVIEW

‘w»¶ H$m¶©-{ZînmXZ g§Ho$VH$ ii Key Performance Indicators ii

31 ‘mM© 2024 H$mo {ZXoeH$ ‘§S>b iv Board of Directors as on March 31, 2024 iv

31 ‘mM© 2024 H$mo ‘w»¶ gVH©$Vm A{YH$mar Ed§ v Chief Vigilance Officer and Executive v
H$m¶©nmbH$ {ZXoeH$ Directors as on March 31, 2024

Aܶj H$m g§Xoe vi Message from the Chairman vi

à~§Y {ZXoeH$ Ed§ grB©Amo H$m g§Xoe xiv Message from the Managing Director & CEO xiv

Hw$N> à‘wI J{V{d{Y¶m§ xxii Some Major Events xxii

nwañH$ma Ed§ gå‘mZ xxvi Awards and Accolades xxvi

gm§{d{YH$ [anmoQoª STATUTORY REPORTS

{ZXoeH$m| H$s [anmoQ>© 2 Directors’ Report 9

à~§Y {ddoMZm Ed§ {dícofU 16 Management Discussion and Analysis 42

H$m°anmoaoQ> A{^emgZ [anmoQ>© 67 Corporate Governance Report 119

H$mamo~mar CÎmaXm{¶Ëd Am¡a g§YmaUr¶Vm 170 Business Responsibility & Sustainability 228
{anmoQ© Report

{dÎmr¶ {ddaU FINANCIAL STATEMENTS

EH$b {dÎmr¶ {ddaU 286 Standalone Financial Statements 286

g‘o{H$V {dÎmr¶ {ddaU 440 Consolidated Financial Statements 440

g‘o{H$V {nba III àH$Q>Z 564 Consolidated Pillar III Disclosures 564
‘w»¶ H$m¶©-{ZînmXZ g§Ho$VH$ 31 ‘mM© 2024 H$s pñW{V
Key Performance Indicators Position as on March 31, 2024

H$a níMmV² bm^ n[aMmbZJV bm^

Profit After Tax Operating Profit

R H$amo‹S>
crore R H$amo‹S>
crore
2023-24 R5,634 2023-24 R9,592
2022-23 R3,645 2022-23 R8,736
2021-22 R2,439 2021-22 R7,495

{Zdb ã¶mO Am¶ VwbZ-nÌ H$m AmH$ma

Net Interest Income Balance Sheet Size

R H$amo‹S>
crore R H$amo‹S>
crore
2023-24 R14,186 2023-24 R3,63,190
2022-23 R11,431 2022-23 R3,30,502
2021-22 R9,162 2021-22 R3,01,603

Hw$b O‘mampe`m§ Hw$b A{J«‘ ({Zdb)

Total Deposits Total Advances (Net)

R H$amo‹S>
crore R H$amo‹S>
crore
2023-24 R2,77,657 2023-24 R1,88,621
2022-23 R2,55,490 crore

2022-23 R1,62,568
2021-22 R2,33,134 2021-22 R1,36,955

AmpñV¶m| na à{Vbm^ (AmaAmoE) B{¹$Q>r na à{Vbm^ (AmaAmoB©)

Return on Assets (RoA) Return on Equity (RoE)

% %
2023-24 1.65 2023-24 19.50
2022-23 1.20 2022-23 16.15
2021-22 0.84 2021-22 13.60

ii Friendship That
Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

àmdYmZ H$daoO AZwnmV (VHZrHr ên go ~Åo ImVo Smco J`o g{hV) {Zdb EZnrE
Provision Coverage Ratio (with Technical Write-Offs) Net NPA

% %
2023-24 99.09 2023-24 0.34
2022-23 97.94 2022-23 0.92
2021-22 97.62 2021-22 1.36

OmopI‘ ^m[aV AmpñV¶m| H$s VwbZm ‘| ny§Or AZwnmV (grAmaEAma) {Zdb ã¶mO ‘m{O©Z
Capital-to-Risk weighted Assets Ratio (CRAR) Net Interest Margin

% %
2023-24 22.26 2023-24 4.93
2022-23 20.44 2022-23 4.52
2021-22 19.06 2021-22 3.73

O‘mam{e {‘lU (%)

Deposit Mix (%)

15.91% 32.78%
WmoH$ ~MV
Bulk Savings

33.66% 17.65%
[aQ>ob gmd{Y Mmby
Retail Term Current

A{J«‘ {‘lU (%)

Advances Mix (%)

70%
[aQ>ob
Retail

30%
H$m°anmoaoQ>
Corporate

dm{f©H$ [anmoQ>© Annual Report 2023-24 iii

31 ‘mM© 2024 H$mo {ZXoeH$ ‘§S>b
Board of Directors as on March 31, 2024

lr Q>r. EZ. ‘ZmohaZ lr amHo$e e‘m© lr O`Hw _ma Eg. {nëb¡

Aܶj à~§Y {ZXoeH$ Ed§ grB©Amo Cn à~§Y {ZXoeH$
Shri T. N. Manoharan Shri Rakesh Sharma Shri Jayakumar S. Pillai
Chairman Managing Director & CEO Deputy Managing Director

lr ‘ZmoO ghm` lr gwerc Hw$‘ma qgh lr ‘wHo$e Hw$‘ma Jwám lr amO Hw$‘ma
Shri Manoj Sahay Shri Sushil Kumar Singh Shri Mukesh Kumar Gupta Shri Raj Kumar

lr ^wdZMÝÐ ~r. Omoer lr g‘aoe n[aXm lr EZ. O§~wZmWZ lr XrnH$ qgKb

Shri Bhuwanchandra B. Joshi Shri Samaresh Parida Shri N. Jambunathan Shri Deepak Singhal

lr g§O¶ JmoHw$bXmg H$ëbmnwa lr‘Vr nr.dr. ^maVr lr AO` àH me gmhZr

Shri Sanjay Gokuldas Kallapur Smt. P. V. Bharathi Shri Ajay Prakash Sawhney

iv Friendship That
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 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

31 ‘mM© 2024 H$mo ‘w»¶ gVH©$Vm A{YH$mar Ed§ H$m¶©nmbH$ {ZXoeH$

Chief Vigilance Officer and Executive Directors as on March 31, 2024

lr‘Vr Amem amOrd lr e¡b|Ð ZmS>H$Uu lr ZmJamO Jmabm lr‘Vr ~bqOXa H$m¡a ‘§S>b
‘w»¶ gVH©$Vm A{YH$mar Shri Shailendra Nadkarni Shri Nagaraj Garla Smt. Baljinder Kaur Mandal

Smt. Asha Rajiv

Chief Vigilance Officer

lr ebrb Amdbo lr gw{ZV gaH$ma lr _wabr gm¡aramOZ lr B©œa nYmZ

Shri Shalil Awale Shri Sunit Sarkar Shri Murali Sourirajan Shri Iswar Padhan

lr [ÌbmoH e_m© lr AéU Hw$‘ma ~§gb Sm°. Hw _ma Zrb bmo{hV lr ~Ðr lr{Zdmg amd
Shri Trilok Sharma Shri Arun Kumar Bansal Dr. Kumar Neel Lohit Shri Badri Srinivasa Rao

lr A{ZéÕ ~oham lr CJoZ Qmer lr AO` a_oe bm§So

Shri Anirudha Behera Shri Ugen Tashi Shri Ajay Ramesh Lande

dm{f©H$ [anmoQ>© Annual Report 2023-24 v

Aܶj H$m g§Xoe
Message from the Chairman

ˆÅƒÄ ˆÅ¸£ˆÅ¸Ê ¸¾¬¸½ ‚›¸ºˆ»Å¥¸ ˆÅ¸£¸½¤¸¸£ú Ÿ¸¸í¸¾¥¸, ¨¡¸¸œ¸ˆÅ

ˆÅ¸£¸½¤¸¸£ú £µ¸›¸ú¢÷¸, ›¸½÷¸¼÷¨¸ ˆÅú ™»£™¢©¸Ä÷¸¸, ˆÅŸ¸Ä¸¸¢£¡¸¸Ê
ˆ½Å ‚’»’ ¬¸Ÿ¸¦œ¸Ä·¸ œÏ¡¸¸¬¸ ÷¸˜¸¸ ¢í÷¸š¸¸£ˆÅ¸Ê ˆ½Å ¢¨¸æ¸¸¬¸
ˆ½Å ƒ«’÷¸Ÿ¸ ¢Ÿ¸ªµ¸ ›¸½ ¤¸ÿˆÅ ˆÅ¸½ ‚œ¸›¸½ ˆÅ¸£¸½¤¸¸£ú œÏ™©¸Ä›¸
‚¸¾£ ¬¸Ÿ¸ŠÏ ¥¸¸ž¸œÏ™÷¸¸ Ÿ¸Ê ¥¸Š¸¸÷¸¸£ ¬¸ºš¸¸£ ˆÅ£›¸½ Ÿ¸Ê
¬¸í¸¡¸÷¸¸ ˆÅú.

An optimal mix of several factors, such

as conducive business environment,
comprehensive business strategy,
vision of the leadership, unwavering
dedicated efforts of employees and trust
of the stakeholders, aided the Bank
in consistently improving its business
performance and overall profitability.

Q>r. EZ. ‘ZmohaZ

Aܶj
T. N. Manoharan
Chairman

vi Friendship That
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 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

¢œÏ¡¸ ©¸½¡¸£š¸¸£ˆÅ¸½, Dear Shareholders,

On behalf of the Board of Directors, I am pleased
¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅú ‚¸½£ ¬¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆÅú ¤¸ÿˆÅ ˆÅú ¨¸¸¢«¸ÄˆÅ
to present the Bank’s Annual Report for the
¢£œ¸¸½’Ä œÏ¬÷¸º÷¸ ˆÅ£÷¸½ íº‡ Ÿ¸º¸½ ‚÷¡¸¿÷¸ œÏ¬¸››¸÷¸¸ í¸½ £íú í¾. ¢¨¸î¸ú¡¸ Financial Year (FY) 2023-24. I write to you with
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚œ¸›¸½ ˆÅ¸£¸½¤¸¸£ ‚¸¾£ ¢¨¸î¸ú¡¸ ˆÅ¸¡¸Ä-¢›¸«œ¸¸™›¸, ¬¸¸˜¸ íú an undeniable sense of pride in the way your
Bank has performed during the financial year in
‚œ¸›¸½ ¬¸ž¸ú ¢í÷¸š¸¸£ˆÅ¸Ê ˆ½Å ¢¥¸‡ Ÿ¸»¥¡¸ ¬¸¿¨¸š¸Ä›¸ ˆÅú ¢™©¸¸ Ÿ¸Ê ‚œ¸›¸ú
terms of its business and financial performance
œÏ¢÷¸¤¸Ö÷¸¸ ˆ½Å ¢¥¸‡ ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ›¸½ ¸¸½ ˆÅ¸¡¸Ä ¢ˆÅ¡¸¸ í¾ „¬¸ˆÅ¸ „¥¥¸½‰¸ and also its commitment towards enhancing
ˆÅ£÷¸½ íº‡ Ÿ¸º¸½ ‚œ¸¸£ Š¸¸¾£¨¸ ˆÅú ‚›¸ºž¸»¢÷¸ í¸½ £íú í¾. value for all its stakeholders.

‚¸¢˜¸ÄˆÅ œ¸¢£´©¡¸ Economic Scenario

The global economy in the year 2023 remained
¨¸«¸Ä 2023 Ÿ¸Ê ¨¸¾¢æ¸ˆÅ ‚˜¸Ä¨¡¸¨¸¬˜¸¸ ¢¨¸¢ž¸››¸ ¬¸Ÿ¸¦«’ ‚¸¢˜¸ÄˆÅ ¸º›¸¸¾¢÷¸¡¸¸Ê,
resilient despite various macroeconomic
ž¸»-£¸¸›¸ú¢÷¸ˆÅ ‚¢›¸¢ä¸÷¸÷¸¸‚¸Ê, „¸ ¬÷¸£ú¡¸ Ÿ¸ºÍ¸¬ûÅú¢÷¸ ‚¸¾£ ˆÅ¢“›¸ challenges, geo-political uncertainties,
¢¨¸î¸ú¡¸ ‡¨¸¿ Ÿ¸¸¾¢ÍˆÅ ¦¬˜¸¢÷¸¡¸¸Ê ˆ½Å ¤¸¸¨¸¸»™ ¥¸¸ú¥¸ú ¤¸›¸ú £íú. œÏŸ¸º‰¸ elevated inflation and tight financial and
monetary conditions. Pace of growth in major
„››¸÷¸ ‚˜¸Ä¨¡¸¨¸¬˜¸¸‚¸Ê (‡ƒÄ) ‚¸¾£ ˆÅƒÄ œÏŸ¸º‰¸ „ž¸£÷¸ú ¤¸¸{¸¸£
Advanced Economies (AEs) and several major
‚˜¸Ä¨¡¸¨¸¬˜¸¸‚¸Ê (ƒÄ‡Ÿ¸ƒÄ) Ÿ¸Ê ¢¨¸ˆÅ¸¬¸ ˆÅú Š¸¢÷¸ „ŸŸ¸ú™ ¬¸½ ¤¸½í÷¸£ £íú Emerging Market Economies (EMEs) has been
í¾. Ÿ¸ºÍ¸¬ûÅú¢÷¸ ˆÅ¸½ ¥¸®¡¸¸Ê ˆ½Å ‚›¸º³ œ¸ ¤¸›¸¸‡ £‰¸›¸½ ˆ½Å ¢¥¸‡ „››¸÷¸ better than expected. The monetary policy
rates were kept on hold by major central banks
‚˜¸Ä¨¡¸¨¸¬˜¸¸‚¸Ê ˆ½Å œÏŸ¸º‰¸ ˆÊÅÍú¡¸ ¤¸ÿˆÅ¸Ê ׸£¸ Ÿ¸¸¾¢ÍˆÅ ›¸ú¢÷¸ ™£¸Ê ˆÅ¸½
in the AEs to ensure the aligning of inflation
¦¬˜¸£ £‰¸¸ Š¸¡¸¸. with targets.

Amidst the challenging global environment,

¸º›¸¸¾÷¸úœ¸»µ¸Ä ¨¸¾¢æ¸ˆÅ Ÿ¸¸í¸¾¥¸ ˆ½Å ¤¸ú¸, ž¸¸£÷¸ú¡¸ ‚˜¸Ä¨¡¸¨¸¬˜¸¸ ›¸½ ÷¸ú¨Ï
the Indian economy expanded at a robust pace
Š¸¢÷¸ ¬¸½ ¢¨¸¬÷¸¸£ ¢ˆÅ¡¸¸ ‚¸¾£ ¢¨¸æ¸ ˆÅú ¬¸¨¸¸Ä¢š¸ˆÅ ÷¸½¸ú ¬¸½ ¤¸õ÷¸ú œÏŸ¸º‰¸ and emerged as one of the fastest growing
‚˜¸Ä¨¡¸¨¸¬˜¸¸‚¸Ê Ÿ¸Ê ¬¸½ ‡ˆÅ ˆ½Å ³œ¸ Ÿ¸Ê „ž¸£ú ÷¸˜¸¸ ¨¸¾¢æ¸ˆÅ ¢¨¸ˆÅ¸¬¸ Ÿ¸Ê major economy in the world and a leading
‚ŠÏµ¸ú ¡¸¸½Š¸™¸›¸ˆÅ÷¸¸Ä ¤¸›¸ú. ‹¸£½¥¸» ‚˜¸Ä¨¡¸¨¸¬˜¸¸ ›¸½ ‚œ¸›¸ú ¢¨¸ˆÅ¸¬¸ ˆÅú contributor to global growth. The domestic
economy exhibited strength and stability in its
Š¸¢÷¸ Ÿ¸Ê Ÿ¸¸¤¸»÷¸ú ‚¸¾£ ¦¬˜¸£÷¸¸ œÏ™¢©¸Ä÷¸ ˆÅú, ¢¸¬¸½ ‚Žú ¢›¸¨¸½©¸ growth momentum, underpinned by healthy
Š¸¢÷¸¢¨¸¢š¸ ˆÅ¸ ¬¸í¸£¸ ¢Ÿ¸¥¸¸. ¨¡¸¸œ¸ˆÅ ‚¸¾£ ¬¸Ÿ¸¡¸ œ¸£ ¢ˆÅ¡¸½ Š¸¡¸½ ›¸ú¢÷¸Š¸÷¸ investment activity. The comprehensive and
œ¸í¥¸ˆÅ¸¡¸¸½ô ¬¸½ ¬¸Ÿ¸¦«’ ‚¸¢˜¸ÄˆÅ ¤¸º¢›¸¡¸¸™ú ¸¿¸½ ˆÅ¸½ Ÿ¸¸¤¸»÷¸ ˆÅ£›¸½ Ÿ¸Ê timely policy initiatives aided in strengthening
the macroeconomic fundamentals,
Ÿ¸™™ ¢Ÿ¸¥¸ú, ¢¸¬¸›¸½ ¢¨¸¢›¸Ÿ¸¸Äµ¸ ‚¸¾£ ¬¸½¨¸¸ ®¸½°¸¸Ê ˆÅ¸½ ‚¢÷¸¢£Æ÷¸ œÏ¸½÷¬¸¸í›¸
which provided an added impetus to

dm{f©H$ [anmoQ>© Annual Report 2023-24 vii

œÏ™¸›¸ ¢ˆÅ¡¸¸. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, „œ¸ž¸¸½Æ÷¸¸ ‚¸¾£ ˆÅ¸£¸½¤¸¸£ú ž¸¸¨¸›¸¸‡¿ ž¸ú the manufacturing and services sectors.
Furthermore, the consumer and business
„÷¬¸¸í¸›¸ˆÅ ¤¸›¸ú £íú¿.
sentiments also remained buoyant.

‚¦¬˜¸£ ¨¸¾¢æ¸ˆÅ ¤¸¸{¸¸£ ¦¬˜¸¢÷¸¡¸¸Ê ˆ½Å ¤¸¸¨¸¸»™, ‹¸£½¥¸» ¢¨¸î¸ú¡¸ ¤¸¸{¸¸£ In contrast to the volatile global market
conditions, the domestic financial market
ˆÅ¸ûÅú ¦¬˜¸£ £í¸. ‚›¸ºˆ»Å¥¸ ›¸ú¢÷¸Š¸÷¸ Ÿ¸¸í¸¾¥¸ ‚¸¾£ ¨¡¸¸œ¸ˆÅ ¬¸¿£¸›¸¸÷Ÿ¸ˆÅ
remained fairly stable. India’s banking sector
¬¸ºš¸¸£¸Ê ˆ½Å ¤¸™¸¾¥¸÷¸ Ÿ¸¸¤¸»÷¸ ¬¸Ÿ¸¦«’ ‚¸¢˜¸ÄˆÅ ¤¸º¢›¸¡¸¸™ú ¸¿¸½ ˆ½Å ˆÅ¸£µ¸ continued to remain resilient during the year
ž¸¸£÷¸ ˆÅ¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ®¸½°¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¥¸¸ú¥¸¸ ¤¸›¸¸ £í¸. ¬¸Ÿ¸¦«’ ‚¸¢˜¸ÄˆÅ owing to robust macroeconomic fundamentals
on the back of conducive policy environment
Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê Ÿ¸Ê ¬¸ºš¸¸£ ˆ½Å ¬¸¸˜¸ ¤¸ÿˆÅ †µ¸ Ÿ¸Ê ÷¸½¸ú ¬¸½ ¨¸¼¢Ö íºƒÄ, ¸¸½ and comprehensive structural reforms.
¸Ÿ¸¸£¸¢©¸¡¸¸Ê Ÿ¸Ê ¨¸¼¢Ö ¬¸½ ‚¢š¸ˆÅ í¾. Ÿ¸¸¤¸»÷¸ ÷¸º¥¸›¸-œ¸°¸, œ¸¡¸¸Äœ÷¸ œ¸»¿¸ú Growth in bank credit remained robust
with improving macroeconomic activities,
‚¸¾£ ¤¸½í÷¸£ ‚¸¦¬÷¸ Š¸ºµ¸¨¸î¸¸ ¸¾¬¸½ ˆÅƒÄ ˆÅ¸£ˆÅ¸Ê ›¸½ ‚˜¸Ä¨¡¸¨¸¬˜¸¸ Ÿ¸Ê
outpacing deposit expansion. Several factors
†µ¸ ˆÅú ¤¸õ÷¸ú Ÿ¸¸¿Š¸ ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ Ÿ¸Ê ¤¸ÿˆÅ¸Ê ˆÅú Ÿ¸™™ ˆÅú. such as stronger balance sheet, adequate
capital and improved asset quality aided the
ˆÅ¸£¸½¤¸¸£ú £µ¸›¸ú¢÷¸ banks in meeting the expansion in the credit
demand in the economy.
‚¸œ¸ˆÅ¸ ¤¸ÿˆÅ ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ‚œ¸›¸ú ˆÅ¸£¸½¤¸¸£ú £µ¸›¸ú¢÷¸ ˆ½Å Ÿ¸»¥¸ Ÿ¸Ê
Business Strategy
£‰¸›¸½ ˆ½Å ¢¥¸‡ œÏ¢÷¸¤¸Ö ¤¸›¸¸ £í¸. ‚œ¸›¸½ ŠÏ¸íˆÅ-ˆÊÅ¢Í÷¸ ˆÅ¸£¸½¤¸¸£ú
Your Bank continued to remain committed
´¦«’ˆÅ¸½µ¸ ˆÅ¸½ ‚¸Š¸½ ¤¸õ¸›¸½ ˆ½Å ¢¥¸‡, ¤¸ÿˆÅ ›¸½ ¬¸ž¸ú œ¸¸£¿œ¸¢£ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸
towards keeping its customers at the core of
¡¸¸½¸›¸¸‡¿ ‚¸¾£ ¬¸½¨¸¸‡¿ ‚¸ÁûÅ£ ˆÅ£›¸½ ˆ½Å ¬¸¸˜¸ íú, ¬¸ž¸ú ¨¸Š¸¸½ô ˆ½Å ‚œ¸›¸½ its business strategy. To further its customer-
ŠÏ¸íˆÅ¸Ê ˆÅú „ž¸£÷¸ú ¸³ £÷¸¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‚¢ž¸›¸¨¸ ¤¸ÿ¢ˆ¿ÅŠ¸ centric business approach, the Bank, apart
from offering an entire bouquet of traditional

viii Friendship That

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 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

‚¸¾£ ¢›¸¨¸½©¸ ¬¸Ÿ¸¸š¸¸›¸ ž¸ú „œ¸¥¸¤š¸ ˆÅ£¸¡¸½. ¤¸ÿˆÅ ‚œ¸›¸½ ©¸¸‰¸¸ ›¸½’¨¸ˆÄÅ banking products and services, also offered
innovative banking and investment solutions
ˆÅ¸ ¢¨¸¬÷¸¸£ ˆÅ£›¸½ ‚¸¾£ ‚œ¸›¸ú ¢”¢¸’¥¸ ¬¸º¢¨¸š¸¸‚¸Ê ˆÅ¸½ ¤¸õ¸›¸½ ˆ½Å
to cater to the emerging needs of its customers
¢¥¸‡ “¸½¬¸ œÏ¡¸¸¬¸ ˆÅ£ £í¸ í¾, ÷¸¸¢ˆÅ ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆ½Å ¢¥¸‡ 24x7 across segments. The Bank has been making
concerted efforts to expand its branch network
‚¸š¸¸£ œ¸£ ¬¸º¢¨¸š¸¸ ‚¸¾£ œ¸íº¿¸ ¤¸õ¸ƒÄ ¸¸ ¬¸ˆ½Å, ¢¸¬¸¬¸½ ¢›¸¤¸¸Äš¸ ¤¸ÿ¢ˆ¿ÅŠ¸
and augment its digital functionalities to
¥¸½›¸™½›¸ ¬¸º¢›¸¢ä¸÷¸ í¸½ ¬¸ˆÊÅ. ŠÏ¸íˆÅ-ˆÊÅ¢Í÷¸÷¸¸ ˆÅ¸½ ¤¸õ¸¨¸¸ ™½›¸½ ˆ½Å ‚¥¸¸¨¸¸, increase convenience and accessibility for its
¤¸ÿˆÅ ‚¸¦¬÷¸ ‚¸¾£ ™½¡¸÷¸¸, ™¸½›¸¸Ê Ÿ¸¸½¸¸½ô œ¸£ ‚œ¸›¸½ ‰¸º™£¸ ˆÅ¸£¸½¤¸¸£ ˆÅú customers on a 24x7 basis, thereby ensuring
seamless banking transactions. In addition to
¢í¬¬¸½™¸£ú ¤¸õ¸ˆÅ£ ‰¸º™ ˆÅ¸½ ‰¸º™£¸-ˆÊÅ¢Í÷¸ ¤¸ÿˆÅ ˆ½Å ³œ¸ Ÿ¸Ê ¬˜¸¸¢œ¸÷¸ promoting customer-centricity, the Bank is also
ˆÅ£›¸½ ˆÅú ¢™©¸¸ Ÿ¸Ê ž¸ú ´õ÷¸¸œ¸»¨¸ÄˆÅ ˆÅ¸Ÿ¸ ˆÅ£ £í¸ í¾. ¸í¸¿ ‚¸œ¸ˆÅ¸ ¤¸ÿˆÅ working steadfastly towards positioning itself
as a retail-focussed entity by augmenting the
‚œ¸›¸ú ‚¸¦¬÷¸ ¤¸íú ˆÅ¸½ ¤¸õ¸›¸½ œ¸£ š¡¸¸›¸ ˆÊÅ¢Í÷¸ ˆÅ£ £í¸ í¾, ¨¸íú¿ ‡ˆÅ
share of its retail business both on the asset
¬¸º´õ ÷¸º¥¸›¸-œ¸°¸ ‚¸¾£ Ÿ¸¸¤¸»÷¸ œ¸»¿¸ú ‚¸š¸¸£ ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ and the liability front. While the focus is on
augmenting its asset book, your Bank is also
‚¸¦¬÷¸ Š¸ºµ¸¨¸î¸¸ ˆÅ¸½ ¤¸›¸¸‡ £‰¸›¸½ œ¸£ ž¸ú ¸¸½£ ™½ £í¸ í¾.
placing due emphasis on maintaining asset
quality to ensure a healthy balance sheet and
a robust capital base.

‚¸œ¸ˆ½Å ¤¸ÿˆÅ ›¸½ ¥¸Š¸¸÷¸¸£ ¸¸¾˜¸½ ¨¸«¸Ä ¥¸¸ž¸ ™¸Ä ¢ˆÅ¡¸¸, Your Bank registered profit for the
fourth consecutive year, with each year’s
œÏ÷¡¸½ˆÅ ¨¸«¸Ä ˆÅ¸ ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ¢œ¸Ž¥¸½ ¨¸«¸Ä ˆÅú ÷¸º¥¸›¸¸
performance improving over the previous
Ÿ¸Ê ¤¸½í÷¸£ íº‚¸. year.

Ÿ¸¸¤¸»÷¸ ¬¸Ÿ¸¦«’ ‚¸¢˜¸ÄˆÅ ¤¸º¢›¸¡¸¸™ú ¸¿¸½ ‚¸¾£ ‚›¸ºˆ»Å¥¸ ˆÅ¸£¸½¤¸¸£ú The strong macroeconomic fundamentals
and conducive business environment aided
Ÿ¸¸í¸¾¥¸ ›¸½ ¤¸ÿˆÅ ˆÅ¸½ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚œ¸›¸½ £µ¸›¸ú¢÷¸ˆÅ „Ó½©¡¸¸Ê ˆÅ¸½ œ¸»£¸
the Bank in pursuing its strategic objectives
ˆÅ£›¸½ Ÿ¸Ê Ÿ¸™™ ˆÅú. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, ‚¸œ¸ˆÅ¸ ¤¸ÿˆÅ ™ú‹¸¸Ä¨¸¢š¸ Ÿ¸Ê ¬¸¿š¸¸£µ¸ú¡¸ during the year. Apart from this, your Bank
‚¸¾£ ¥¸¸ž¸™¸¡¸ˆÅ ¢¨¸ˆÅ¸¬¸ ˆÅ¸ Ÿ¸¸Š¸Ä œÏ©¸¬÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‡ˆÅ Ÿ¸¸¤¸»÷¸ also remained committed towards maintaining
a strong risk management framework and a
¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ¸¿¸¸ ‚¸¾£ ‡ˆÅ ¬¸º´õ ‚›¸ºœ¸¸¥¸›¸ ¬¸¿¬ˆ¼Å¢÷¸ ¤¸›¸¸‡ £‰¸›¸½ robust compliance culture to pave the path
ˆ½Å ¢¥¸‡ ž¸ú œÏ¢÷¸¤¸Ö £í¸. for a sustainable and profitable growth path
in the long run.

dm{f©H$ [anmoQ>© Annual Report 2023-24 ix

¬¸¿¨¸¼¢Ö ‚¸¾£ ¥¸¸ž¸œÏ™÷¸¸ Growth and Profitability
Your Bank registered profit for the fourth
‚¸œ¸ˆ½Å ¤¸ÿˆÅ ›¸½ ¥¸Š¸¸÷¸¸£ ¸¸¾˜¸½ ¨¸«¸Ä ¥¸¸ž¸ ™¸Ä ¢ˆÅ¡¸¸, œÏ÷¡¸½ˆÅ ¨¸«¸Ä ˆÅ¸
consecutive year, with each year’s performance
ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ¢œ¸Ž¥¸½ ¨¸«¸Ä ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê ¤¸½í÷¸£ íº‚¸. ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ›¸½ improving over the previous year. Your Bank
¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 Ÿ¸Ê ` 5,634 ˆÅ£¸½”õ ˆÅ¸ ¬¸¨¸ÄˆÅ¸¢¥¸ˆÅ „¸÷¸Ÿ¸ registered an all-time high net profit of ` 5,634
crore in FY 2023-24 while registering an
¢›¸¨¸¥¸ ¥¸¸ž¸ ™¸Ä ¢ˆÅ¡¸¸, ¢¸¬¸Ÿ¸Ê ¢œ¸Ž¥¸½ ¨¸«¸Ä ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê 55% ˆÅú
annualised growth of 55% over the previous
¨¸¸¢«¸ÄˆÅ ¨¸¼¢Ö ™¸Ä íºƒÄ. ˆÅ¸£¸½¤¸¸£ú Ÿ¸¸½¸½Ä œ¸£, ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 Ÿ¸Ê year. On the business front, your Bank’s total
‚¢ŠÏŸ¸ ‚¸¾£ ¸Ÿ¸¸, ™¸½›¸¸Ê Ÿ¸Ê ¨¸¼¢Ö ¬¸½ ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆ½Å ˆºÅ¥¸ ˆÅ¸£¸½¤¸¸£ Ÿ¸Ê business improved with both advances and
deposits registering growth in FY 2023-24.
¬¸ºš¸¸£ íº‚¸. ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 Ÿ¸Ê ˆºÅ¥¸ ˆÅ¸£¸½¤¸¸£ ` 4.66 ¥¸¸‰¸ The total business was at ` 4.66 lakh crore in
ˆÅ£¸½”õ í¸½ Š¸¡¸¸, ¢¸¬¸Ÿ¸Ê ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å ` 4.18 ¥¸¸‰¸ FY 2023-24, registering an annual growth of
12% over ` 4.18 lakh crore in FY 2022-23. With
ˆÅ£¸½”õ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê 12% ˆÅú ¨¸¸¢«¸ÄˆÅ ¨¸¼¢Ö ™¸Ä íºƒÄ. ‚¸¦¬÷¸ Š¸ºµ¸¨¸î¸¸
regard to asset quality, the Bank maintained
ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê, ¤¸ÿˆÅ ›¸½ „¸ œÏ¸¨¸š¸¸›¸ ˆÅ¨¸£½¸ ‚›¸ºœ¸¸÷¸ (œ¸ú¬¸ú‚¸£) ¤¸›¸¸‡ a high Provision Coverage Ratio (PCR) and
£‰¸¸ ‚¸¾£ ‚œ¸›¸ú ¬¸ˆÅ¥¸ ‚›¸¸ÄˆÅ ‚¸¦¬÷¸¡¸¸Ê (¸ú‡›¸œ¸ú‡) ‡¨¸¿ ¢›¸¨¸¥¸ also undertook concerted efforts to reduce
its Gross Non-Performing Assets (GNPAs) and
‚›¸¸ÄˆÅ ‚¸¦¬÷¸¡¸¸Ê (‡›¸‡›¸œ¸ú‡) ˆÅ¸½ ˆÅŸ¸ ˆÅ£›¸½ ‚¸¾£ ¢Š¸£¸¨¸’ ˆÅ¸½ Net Non-Performing Assets (NNPAs) and contain
£¸½ˆÅ›¸½ ˆ½Å ¢¥¸‡ “¸½¬¸ œÏ¡¸¸¬¸ ¢ˆÅ‡. slippages.

ž¸¢¨¸«¡¸ Ÿ¸Ê ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆÅ¸ ƒ£¸™¸ ‚œ¸›¸ú ‚¿÷¸¢›¸Ä¢í÷¸ Going forward, your Bank intends to
leverage its inherent strengths and
©¸¢Æ÷¸¡¸¸Ê ‚¸¾£ ¬¸¸Ÿ¸˜¡¸Ä ˆÅ¸ ¥¸¸ž¸ „“¸›¸¸ í¾ ÷¸¸¢ˆÅ ‚œ¸›¸ú
competencies to capitalise on the
¥¸¸ž¸œÏ™÷¸¸ ˆÅ¸½ ‚¸¾£ ¤¸õ¸›¸½ ˆ½Å ¢¥¸‡ „ž¸£÷¸½ ˆÅ¸£¸½¤¸¸£ú emerging business opportunities to
‚¨¸¬¸£¸Ê ˆÅ¸ ûŸ¡¸™¸ „“¸¡¸¸ ¸¸ ¬¸ˆ½Å. further augment its profitability.

‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆÅú œ¸»¿¸ú ¦¬˜¸¢÷¸ Ÿ¸Ê ž¸ú ‚¸¾£ ¬¸ºš¸¸£ íº‚¸ ÷¸˜¸¸ ¡¸í Your Bank’s capital position also improved
further and remained well above the regulatory
¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ¬¸½ ˆÅ¸ûÅú …œ¸£ £íú. ˆÅƒÄ ˆÅ¸£ˆÅ¸Ê ¸¾¬¸½
requirements. An optimal mix of several factors,
‚›¸ºˆ»Å¥¸ ˆÅ¸£¸½¤¸¸£ú Ÿ¸¸í¸¾¥¸, ¨¡¸¸œ¸ˆÅ ˆÅ¸£¸½¤¸¸£ú £µ¸›¸ú¢÷¸, ›¸½÷¸¼÷¨¸ ˆÅú such as conducive business environment,
™»£™¢©¸Ä÷¸¸, ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å ‚’»’ ¬¸Ÿ¸¦œ¸Ä·¸ œÏ¡¸¸¬¸ ÷¸˜¸¸ ¢í÷¸š¸¸£ˆÅ¸Ê comprehensive business strategy, vision of the
leadership, unwavering dedicated efforts of

x Friendship That
Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

ˆ½Å ¢¨¸æ¸¸¬¸ ˆ½Å ƒ«’÷¸Ÿ¸ ¢Ÿ¸ªµ¸ ›¸½ ¤¸ÿˆÅ ˆÅ¸½ ‚œ¸›¸½ ˆÅ¸£¸½¤¸¸£ú œÏ™©¸Ä›¸ ‚¸¾£ employees and trust of the stakeholders, aided
¬¸Ÿ¸ŠÏ ¥¸¸ž¸œÏ™÷¸¸ Ÿ¸Ê ¥¸Š¸¸÷¸¸£ ¬¸ºš¸¸£ ˆÅ£›¸½ Ÿ¸Ê ¬¸í¸¡¸÷¸¸ ˆÅú. the Bank in consistently improving its business
performance and overall profitability.
Ÿ¸º¸½ ¡¸í ¤¸÷¸¸÷¸½ íº‡ œÏ¬¸››¸÷¸¸ í¸½ £íú í¾ ¢ˆÅ ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ
I am happy to state that the Board of Directors
Ÿ¸¿”¥¸ ›¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆ½Å of your Bank have recommended a dividend
` 10 ˆ½Å ‚¿¢ˆÅ÷¸ Ÿ¸»¥¡¸ ¨¸¸¥¸½ œÏ÷¡¸½ˆÅ ƒ¦Æ¨¸’ú ©¸½¡¸£ œ¸£ ` 1.50 ˆ½Å of Rs. 1.50 per Equity Share of face value of
Rs. 10 each of the Bank for the financial year
¥¸¸ž¸¸¿©¸ ˆÅú ‚›¸º©¸¿¬¸¸ ˆÅú í¾ ¸¸½ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆ½Å
ended March 31, 2024, subject to approval of
‚›¸ºŸ¸¸½™›¸ ˆ½Å ‚š¸ú›¸ í¾. the shareholders at the Annual General Meeting.

‚¸Š¸½ ˆÅú £¸í Way Forward

¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆ½Å ¢¥¸‡ ‡ˆÅ ‚¸¾£ Ÿ¸í÷¨¸œ¸»µ¸Ä ¨¸«¸Ä The financial year 2023–24 was yet another
milestone year for your Bank as it continued
£í¸, ƒ¬¸›¸½ ¢¨¸¬÷¸¸£, ¥¸¸ž¸œÏ™÷¸¸, œ¸¢£¸¸¥¸›¸ œÏž¸¸¨¸ˆÅ¸¢£÷¸¸, œÏ¸¾Ô¸¸½¢Š¸ˆÅú¡¸
to make steady progress toward its strategic
„››¸¡¸›¸ ‚¸¾£ œ¸¡¸¸Ä¨¸£µ¸ ˆ½Å œÏ¢÷¸ ¸¸Š¸³ ˆÅ ¬¸¿¬˜¸¸ ˆÅú ‚¸½£ ¤¸õ›¸½ ˆ½Å ‚œ¸›¸½ objectives of expansion, profitability, operational
£µ¸›¸ú¢÷¸ˆÅ „Ó½©¡¸¸Ê ˆÅú ¢™©¸¸ Ÿ¸Ê ¢›¸£¿÷¸£ œÏŠ¸¢÷¸ ¸¸£ú £‰¸ú. ž¸¢¨¸«¡¸ effectiveness, technological advancement
and transitioning towards an environmentally
Ÿ¸Ê ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆÅ¸ ƒ£¸™¸ ‚œ¸›¸ú ‚¿÷¸¢›¸Ä¢í÷¸ ©¸¢Æ÷¸¡¸¸Ê ‚¸¾£ ¬¸¸Ÿ¸˜¡¸Ä
conscious entity. Going forward, your Bank
ˆÅ¸ ¥¸¸ž¸ „“¸›¸¸ í¾ ÷¸¸¢ˆÅ ‚œ¸›¸ú ¥¸¸ž¸œÏ™÷¸¸ ˆÅ¸½ ‚¸¾£ ¤¸õ¸›¸½ ˆ½Å ¢¥¸‡ intends to leverage its inherent strengths and
„ž¸£÷¸½ ˆÅ¸£¸½¤¸¸£ú ‚¨¸¬¸£¸Ê ˆÅ¸ ûŸ¡¸™¸ „“¸¡¸¸ ¸¸ ¬¸ˆ½Å. ‚¸œ¸ˆÅ¸ ¤¸ÿˆÅ competencies to capitalise on the emerging
business opportunities to further augment its
‰¸º™£¸-ˆÊÅ¢Í÷¸ ¤¸ÿˆÅ ˆ½Å ³ œ¸ Ÿ¸Ê ‚œ¸›¸ú ‚ž¸ú«’ ¦¬˜¸¢÷¸ ˆÅ¸½ ¤¸›¸¸‡ £‰¸›¸½
profitability. Your Bank will continue to work
ˆÅú ¢™©¸¸ Ÿ¸Ê ˆÅ¸¡¸Ä ˆÅ£›¸¸ ¸¸£ú £‰¸½Š¸¸. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, ‚¸œ¸ˆÅ¸ ¤¸ÿˆÅ towards maintaining its intended positioning
¸º’¸¡¸½ ¸¸ £í½ ˆÅ¸£¸½¤¸¸£ ˆÅú Š¸ºµ¸¨¸î¸¸ ˆÅ¸½ ˆÅŸ¸ ¢ˆÅ‡ ¢¤¸›¸¸ ‚¸¾£ ‚Žú as a retail-centric bank. Furthermore, your

Your transactions are safe,

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Secure transactions with

+ IDBI Bank Go Mobile+ App.
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dm{f©H$ [anmoQ>© Annual Report 2023-24 xi

Š¸ºµ¸¨¸î¸¸ ¨¸¸¥¸ú ‚¸¦¬÷¸ ¤¸íú ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¬¸¢ÇÅ¡¸ „œ¸¸¡¸ Bank will remain committed to enhancing its
business potential by exploring new business
ˆÅ£÷¸½ íº‡, ›¸‡ ˆÅ¸£¸½¤¸¸£ú ‚¨¸¬¸£¸Ê ˆÅú ‰¸¸½¸ ˆÅ£ˆ½Å ‚œ¸›¸ú ˆÅ¸£¸½¤¸¸£ú opportunities, without undermining the quality
®¸Ÿ¸÷¸¸ ˆÅ¸½ ¤¸õ¸›¸½ ˆ½Å ¢¥¸‡ œÏ¢÷¸¤¸Ö ¤¸›¸¸ £í½Š¸¸. of business being sourced as also taking
proactive measures to ensure good quality
¤¸™¥¸÷¸½ ˆÅ¸£¸½¤¸¸£ú œ¸¢£´©¡¸ ‚¸¾£ ¢¨¸ˆÅ¢¬¸÷¸ í¸½ £íú „œ¸ž¸¸½Æ÷¸¸ asset book.
œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸‚¸Ê ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸÷¸½ íº‡, ‚¸œ¸ˆÅ¸ ¤¸ÿˆÅ ‚œ¸›¸ú ž¸¸¾Š¸¸½¢¥¸ˆÅ In keeping with the changing business landscape
and evolving consumer preferences, your
œ¸íº¿¸ ˆÅ¸ ¢¨¸¬÷¸¸£ ˆÅ£÷¸½ íº‡ ‚œ¸›¸ú ¡¸¸½¸›¸¸‚¸Ê ‚¸¾£ ¬¸½¨¸¸‚¸Ê ˆÅú œ¸½©¸ˆÅ©¸
Bank will continue to broad-base its products
ˆÅ¸½ ¨¡¸¸œ¸ˆÅ ¤¸›¸¸›¸¸ ¸¸£ú £‰¸½Š¸¸ ‚¸¾£ ¬¸¸˜¸ íú, ‚œ¸›¸ú œ¸½©¸ˆÅ©¸¸Ê ˆÅ¸½ and services offering while expanding its
÷¨¸¢£÷¸, ˆºÅ©¸¥¸, ¬¸º£¢®¸÷¸ ‚¸¾£ ¢›¸¤¸¸Äš¸ ÷¸£úˆ½Å ¬¸½ œ¸íº¿¸¸›¸½ ˆ½Å ¢¥¸‡ geographical reach as also embracing latest
technological innovations to deliver its offerings
›¸¨¸ú›¸÷¸Ÿ¸ œÏ¸¾Ô¸¸½¢Š¸ˆÅú¡¸ ›¸¨¸¸¸¸£¸Ê ˆÅ¸½ ‚œ¸›¸¸÷¸¸ £í½Š¸¸. ƒ¬¸ ¢™©¸¸ Ÿ¸Ê,
in a quick, efficient, secure and seamless manner.
‚¸œ¸ˆÅ¸ ¤¸ÿˆÅ ‚œ¸›¸ú ¢”¢¸’¥¸ ¤¸º¢›¸¡¸¸™ú ¬¸¿£¸›¸¸ ˆÅ¸½ Ÿ¸¸¤¸»÷¸ ˆÅ£›¸¸ Towards this end, your Bank will continue to
¸¸£ú £‰¸½Š¸¸ ‚¸¾£ ‚œ¸›¸ú œÏ¢÷¸¬œ¸š¸¸Ä÷Ÿ¸ˆÅ ¤¸õ÷¸ ˆÅ¸½ ¤¸›¸¸‡ £‰¸›¸½ ÷¸˜¸¸ strengthen its digital infrastructure and increase
its investment in technological upgradation to
‚œ¸›¸ú œ¸¢£¸¸¥¸›¸ ™®¸÷¸¸ ˆÅ¸½ ¤¸õ¸›¸½ ˆ½Å ¢¥¸‡ œÏ¸¾Ô¸¸½¢Š¸ˆÅú¡¸ „››¸¡¸›¸ Ÿ¸Ê
maintain its competitive edge and enhance its
‚œ¸›¸½ ¢›¸¨¸½©¸ ˆÅ¸½ ¤¸õ¸‡Š¸¸. ƒ¬¸ˆ½Å ‚¢÷¸¢£Æ÷¸, ‚¸œ¸ˆÅ¸ ¤¸ÿˆÅ ‚œ¸›¸½ operational efficiency. Additionally, your Bank
¬¸ž¸ú ˆÅ¸£¸½¤¸¸£ú ‚¸¾£ ¬¸í¸¡¸ˆÅ ˆÅ¸¡¸¸½ô Ÿ¸Ê ¤¸½í÷¸£ ‚¢ž¸©¸¸¬¸›¸, ¸¸½¢‰¸Ÿ¸ will emphasise on continued focus on robust
governance, risk and compliance practices
‚¸¾£ ‚›¸ºœ¸¸¥¸›¸ œ¸Ö¢÷¸¡¸¸Ê œ¸£ ¢›¸£¿÷¸£ š¡¸¸›¸ ˆÊÅ¢Í÷¸ ˆÅ£›¸½ œ¸£ ¸¸½£
across all its business and support functions
™½Š¸¸, ÷¸¸¢ˆÅ ‚œ¸›¸½ ¬¸ž¸ú ¢í÷¸š¸¸£ˆÅ¸Ê ˆ½Å ¤¸ú¸ ¬¸¨¸¸Ä¢š¸ˆÅ œ¸¬¸¿™ú™¸ ‚¸¾£ in order to re-validate its status as the most
¢¨¸æ¸¬¸›¸ú¡¸ ¤¸ÿˆÅ ˆ½Å ³ œ¸ Ÿ¸Ê ‚œ¸›¸ú ¦¬˜¸¢÷¸ ˆÅ¸½ œ¸º›¸À œÏŸ¸¸¢µ¸÷¸ ˆÅ£ ¬¸ˆ½Å. preferred and trusted bank among all its
stakeholders.
‚¸ž¸¸£ œÏ™©¸Ä›¸ Expression of Gratitude

‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅú ‚¸½£ ¬¸½, Ÿ¸ÿ ž¸¸£÷¸ ¬¸£ˆÅ¸£, On behalf of the Board of Directors of IDBI Bank,
I would like to express my sincere thanks to
ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ‚¸¾£ ‚›¡¸ ¬¸ž¸ú ¬¸¸¿¢¨¸¢š¸ˆÅ ‡¨¸¿ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ
the Government of India, the Reserve Bank of
œÏ¸¢š¸ˆÅ¸¢£¡¸¸Ê ˆÅ¸½ „›¸ˆ½Å ¬¸÷¸÷¸ ¬¸í¡¸¸½Š¸ ‚¸¾£ Ÿ¸¸Š¸Ä™©¸Ä›¸ ˆ½Å ¢¥¸‡ í¸¢™ÄˆÅ India and all the other statutory & regulatory
š¸›¡¸¨¸¸™ ™½›¸¸ ¸¸í÷¸¸ í»¿. Ÿ¸ÿ ©¸½¡¸£š¸¸£ˆÅ¸Ê ‚¸¾£ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ „›¸ˆ½Å ¬¸÷¸÷¸ authorities for their continued support and
guidance. I would also like to extend my
¬¸¿£®¸µ¸, ¢›¸£¿÷¸£ ¬¸Ÿ¸˜¸Ä›¸ ‚¸¾£ ¬¸í¡¸¸½Š¸ ˆ½Å ¢¥¸‡ ‚œ¸›¸¸ ‚¸ž¸¸£ ¨¡¸Æ÷¸
gratitude to shareholders and customers for
ˆÅ£›¸¸ ¸¸í»ÂŠ¸¸. ‚¸œ¸ˆÅ¸ ¤¸ÿˆÅ ‚¸œ¸ˆ½Å ¢›¸£¿÷¸£ ž¸£¸½¬¸½ ‚¸¾£ ¢¨¸æ¸¸¬¸ ˆÅ¸ their unstinted patronage, sustained support

xii Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

‚¸™£ ˆÅ£÷¸¸ í¾ ‚¸¾£ ‚¸œ¸ˆÅú ‚œ¸½®¸¸‚¸Ê œ¸£ ‰¸£¸ „÷¸£›¸½ ˆ½Å ¢¥¸‡ and co-operation. Your Bank values your
œ¸»£ú ¥¸Š¸›¸ ¬¸½ ˆÅ¸¡¸Ä ˆÅ£÷¸¸ £í½Š¸¸. Ÿ¸ÿ ¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆ½Å ‚œ¸›¸½ continued trust and confidence and shall
continue to work assiduously to live up to your
¬¸í¡¸¸½¢Š¸¡¸¸Ê ˆÅ¸½ ¤¸ÿˆÅ ˆ½Å ‚¢ž¸©¸¸¬¸›¸ ‡¨¸¿ ˆÅ¸£¸½¤¸¸£ ¬¸¿¨¸š¸Ä›¸ ˆÅú ¢™©¸¸
expectations. I would also like to convey my
Ÿ¸Ê „›¸ˆÅú ™»£™¢©¸Ä÷¸¸ ‚¸¾£ ¤¸íºŸ¸»¥¡¸ ¡¸¸½Š¸™¸›¸ ˆ½Å ¢¥¸‡ ᙡ¸ ¬¸½ ¬¸£¸í›¸¸ sincere appreciation to my colleagues on the
ˆÅ£÷¸¸ í»¿. ‚¿÷¸ Ÿ¸Ê, Ÿ¸ÿ ¤¸ÿˆÅ ˆ½Å ©¸ú«¸Ä œÏ¤¸¿š¸›¸ ‚¸¾£ ¬¸ž¸ú ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å Bank’s Board for their vision and invaluable
contribution towards driving the Bank’s
‚’»’ ¬¸Ÿ¸œ¸Äµ¸ ‚¸¾£ œÏ¢÷¸¤¸Ö÷¸¸ ˆ½Å ¢¥¸‡ ‚œ¸›¸¸ ‚¸ž¸¸£ ¨¡¸Æ÷¸ ˆÅ£›¸¸
governance and business growth. Last but not
¸¸í»ÂŠ¸¸ ¢¸›í¸Ê›¸½ ¸º›¸¸¾÷¸úœ¸»µ¸Ä ˆÅ¸£¸½¤¸¸£ú ‚¸¾£ œ¸¢£¸¸¥¸›¸Š¸÷¸ Ÿ¸¸í¸¾¥¸ ˆ½Å the least, I would like to express my gratitude to
¤¸¸¨¸¸»™ ¤¸ÿˆÅ ˆÅ¸½ ‚œ¸›¸½ ¬¸Ÿ¸ŠÏ ˆÅ¸£¸½¤¸¸£ú ¥¸®¡¸¸Ê ˆÅ¸½ í¸¢¬¸¥¸ ˆÅ£›¸½ ˆÅ¸ the Top Management and all employees of the
Bank for exhibiting their unwavering dedication
Ÿ¸¸Š¸Ä œÏ©¸¬÷¸ ¢ˆÅ¡¸¸ ‚¸¾£ ›¸ƒÄ …¿¸¸ƒ¡¸¸Ê ˆÅ¸½ Ž»‚¸.
and commitment that paved the way for the
Bank to achieve its overall business objective
Ÿ¸ÿ ž¸¸£÷¸ú¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ®¸½°¸ Ÿ¸Ê ¬¸¨¸¸Ä¢š¸ˆÅ œ¸¬¸¿™ú™¸ ‚¸¾£ ¢¨¸æ¸¬¸›¸ú¡¸ ¤¸ÿˆÅ ˆ½Å and scale new heights in spite of the challenging
³ œ¸ Ÿ¸Ê ‰¸º™ ˆÅ¸½ ¬˜¸¸¢œ¸÷¸ ˆÅ£ ‚œ¸›¸½ ¬¸ž¸ú ¢í÷¸š¸¸£ˆÅ¸Ê ˆ½Å ¢¥¸‡ Ÿ¸»¥¡¸ business and operating environment.
¬¸¿¨¸š¸Ä›¸ ˆ£›¸½ ˆÅú ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆÅú œÏ¢÷¸¤¸Ö÷¸¸ ˆÅ¸½ ™¸½í£¸›¸¸ ¸¸í»¿Š¸¸. I would like to reiterate your Bank’s commitment
to enhance the value for all its stakeholders by
establishing itself as the most preferred and
trusted bank in the Indian banking space.

©¸ºž¸ˆÅ¸Ÿ¸›¸¸‚¸Ê ¬¸¢í÷¸, With best wishes,

T. N. Manoharan
’ú. ‡›¸. Ÿ¸›¸¸½í£›¸
Chairman
‚š¡¸®¸

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dm{f©H$ [anmoQ>© Annual Report 2023-24 xiii

 à~§Y {ZXoeH$ Ed§ grB©Amo H$m g§Xoe
Message from the Managing Director & CEO

‡ˆÅ Ÿ¸¸¤¸»÷¸ ÷¸º¥¸›¸-œ¸°¸, œ¸¡¸¸Äœ÷¸ œ¸»¿¸ú ‚¸¾£ ¥¸¸ž¸™¸¡¸ˆÅ Maintaining a robust balance sheet,
ˆÅ¸£¸½¤¸¸£ú ¬¸Ÿ¸¼¹Ö ˆÅ¸½ ¤¸›¸¸‡ £‰¸›¸¸ ¤¸ÿˆÅ ˆÅú œÏŸ¸º‰¸ healthy capital and profitable business
œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸‡Â ¤¸›¸ú £íú¿. growth continued to remain the key
priorities for the Bank.

amHo$e e‘m© Rakesh Sharma

à~§Y {ZXoeH$ Ed§ grB©Amo Managing Director & CEO

xiv Friendship That

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¢œÏ¡¸ ©¸½¡¸£š¸¸£ˆÅ¸½, Dear Shareholders,

¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ™¸¾£¸›¸ ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆ½Å ˆÅ¸¡¸Ä-¢›¸«œ¸¸™›¸ ˆÅú It gives me immense pleasure to place before
Ÿ¸º‰¡¸ ¤¸¸÷¸¸Ê ˆÅ¸½ ‚¸œ¸ˆ½Å ¬¸Ÿ¸®¸ £‰¸÷¸½ íº‡ Ÿ¸º¸½ ‚÷¡¸¢š¸ˆÅ œÏ¬¸››¸÷¸¸ you the highlights of your Bank's performance
during FY 2023-24. While the achievements and
í¸½ £íú í¾. ¡¸Ô¸¢œ¸ ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆÅú „œ¸¥¸¦¤š¸¡¸¸Ê ‚¸¾£ œ¸í¥¸ˆÅ¸¡¸¸½ô ˆÅ¸
initiatives taken by your Bank are described in
¨¸µ¸Ä›¸ ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä Ÿ¸Ê ¢¨¸¬÷¸¸£ ¬¸½ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾, Ÿ¸ÿ ‚¸œ¸ˆÅ¸ š¡¸¸›¸ detail in the Annual Report, I would like to draw
¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 Ÿ¸Ê ¤¸ÿˆÅ ˆ½Å ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ˆÅú ˆºÅŽ Ÿ¸º‰¡¸ ¤¸¸÷¸¸Ê your attention to some of the key highlights of
ˆÅú ‚¸½£ ‚¸ˆÅ¢«¸Ä÷¸ ˆÅ£›¸¸ ¸¸í»¿Š¸¸. the Bank’s performance in FY 2023-24.

Macroeconomic Overview
¬¸Ÿ¸¢«’ ‚¸¢˜¸ÄˆÅ ¢¨¸í¿Š¸¸¨¸¥¸¸½ˆÅ›¸
The global economy continued to post healthy
¨¸¾¢æ¸ˆÅ ‚˜¸Ä¨¡¸¨¸¬˜¸¸ ›¸½ 2023 Ÿ¸Ê ¬¸º´õ ¢¨¸ˆÅ¸¬¸ ™¸Ä ˆÅ£›¸¸ ¸¸£ú growth in 2023, reflecting gradual recovery
£‰¸¸, ¸¸½ Ÿ¸í¸Ÿ¸¸£ú ¬¸½ š¸ú£½-š¸ú£½ „¤¸£›¸½ ˆÅ¸½ ™©¸¸Ä÷¸¸ í¾. ƒ¬¸ œ¸¼«“ž¸»¢Ÿ¸ from the pandemic. In this backdrop, the
Ÿ¸Ê, ž¸¸£÷¸ú¡¸ ‚˜¸Ä¨¡¸¨¸¬˜¸¸ ›¸½ ›¸ú¢÷¸Š¸÷¸ ¬¸ºš¸¸£¸Ê ‚¸¾£ ¬¸¿£¸›¸¸÷Ÿ¸ˆÅ Indian economy exhibited resilience, aided by
policy reforms and structural changes, which
œ¸¢£¨¸÷¸Ä›¸¸Ê ˆÅú ¬¸í¸¡¸÷¸¸ ¬¸½ ¥¸¸ú¥¸¸œ¸›¸ œÏ™¢©¸Ä÷¸ ¢ˆÅ¡¸¸, ¢¸¬¸›¸½ ¬¸º¢›¸¢ä¸÷¸ ensured that consumption and investment
¢ˆÅ¡¸¸ ¢ˆÅ ‰¸œ¸÷¸ ‚¸¾£ ¢›¸¨¸½©¸ ˆÅú Ÿ¸¸¿Š¸ ‚Žú ¤¸›¸ú £íú. ¤¸ÿ¢ˆ¿ÅŠ¸ ®¸½°¸ ›¸½ demand remained healthy. The banking sector
played a vital role in driving the economic
¤¸½í÷¸£ ‚¸¦¬÷¸ Š¸ºµ¸¨¸î¸¸, ¥¸¸ž¸œÏ™÷¸¸ ‚¸¾£ œ¸»¿¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ˆ½Å ‚¸š¸¸£
momentum by meeting the increased credit
œ¸£ ¤¸õú íºƒÄ †µ¸ Ÿ¸¸¿Š¸ ˆÅ¸½ œ¸»£¸ ˆÅ£ˆ½Å ‚¸¢˜¸ÄˆÅ Š¸¢÷¸ ˆÅ¸½ ‚¸Š¸½ ¤¸õ¸›¸½ Ÿ¸Ê demand on the back of improved asset
Ÿ¸í÷¨¸œ¸»µ¸Ä ž¸»¢Ÿ¸ˆÅ¸ ¢›¸ž¸¸ƒÄ. ™£¸Ê Ÿ¸Ê ¤¸õ¸½÷¸£ú ˆÅ¸½ £¸½ˆÅ›¸½ ˆ½Å ¢£{¸¨¸Ä ¤¸ÿˆÅ quality, profitability and capital adequacy. The
RBI's decision to pause rate hikes precluded
ˆ½Å û¾Å¬¸¥¸½ ›¸½ „š¸¸£ ™£¸Ê Ÿ¸Ê ¢ˆÅ¬¸ú ž¸ú Ÿ¸í÷¨¸œ¸»µ¸Ä ¡¸¸ ÷¸½¸ ¨¸¼¢Ö ˆÅ¸½ £¸½ˆÅ
any significant or sharp rise in the lending
¢™¡¸¸, ¢¸¬¸¬¸½ ‚˜¸Ä¨¡¸¨¸¬˜¸¸ Ÿ¸Ê †µ¸ ˆÅú Ÿ¸¸¿Š¸ ˆÅ¸½ ¤¸õ¸¨¸¸ ¢Ÿ¸¥¸¸. ¤¸ÿˆÅ¸Ê rates, encouraging credit demand in the
›¸½ ž¸ú ¤¸õ÷¸ú †µ¸ ¸³£÷¸¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‚œ¸›¸ú ¸Ÿ¸¸£¸¢©¸¡¸¸Ê economy. Banks also boosted their deposits
to meet the growing credit needs. Improved
ˆÅ¸½ ¤¸õ¸¡¸¸. ¤¸½í÷¸£ ¬¸Ÿ¸¦«’ ‚¸¢˜¸ÄˆÅ ¦¬˜¸¢÷¸¡¸¸Ê ‚¸¾£ ¬¸¿£¸›¸¸÷Ÿ¸ˆÅ
macroeconomic conditions and structural
¬¸ºš¸¸£¸Ê ›¸½ ž¸ú ¤¸ÿˆÅ¸Ê ˆ½Å ¢¥¸‡ „¸ ¥¸¸ž¸œÏ™÷¸¸ í¸¢¬¸¥¸ ˆÅ£›¸½ Ÿ¸Ê Ÿ¸™™ reforms also helped in achieving higher
ˆÅú, ¢¸¬¸¬¸½ ‚¸¢˜¸ÄˆÅ ¢¨¸ˆÅ¸¬¸ ˆÅ¸½ ‚¢÷¸¢£Æ÷¸ Š¸¢÷¸ ¢Ÿ¸¥¸ú. profitability for banks, providing an added
impetus to the economic growth.

ˆÅ¸£¸½¤¸¸£ú £µ¸›¸ú¢÷¸ Business Strategy

‚¸œ¸ˆ½Å ¤¸ÿˆÅ ›¸½ £µ¸›¸ú¢÷¸ˆÅ ˆÅ¸£¸½¤¸¸£ ´¦«’ˆÅ¸½µ¸ ¤¸›¸¸‡ £‰¸¸, ¢¸¬¸¬¸½ „¬¸½ Your Bank maintained a strategic business
approach that allowed it to take advantage
‚¨¸¬¸£¸Ê ˆÅ¸ ¥¸¸ž¸ „“¸›¸½ ‚¸¾£ ¤¸¸š¸¸‚¸Ê ˆÅ¸½ ™»£ ˆÅ£›¸½ Ÿ¸Ê Ÿ¸™™ ¢Ÿ¸¥¸ú.
of opportunities and overcome obstacles.
‡ˆÅ Ÿ¸¸¤¸»÷¸ ÷¸º¥¸›¸-œ¸°¸, œ¸¡¸¸Äœ÷¸ œ¸»¿¸ú ‚¸¾£ ¥¸¸ž¸™¸¡¸ˆÅ ˆÅ¸£¸½¤¸¸£ú
Maintaining a robust balance sheet, healthy
¬¸Ÿ¸¼¹Ö ˆÅ¸½ ¤¸›¸¸‡ £‰¸›¸¸ ¤¸ÿˆÅ ˆÅú œÏŸ¸º‰¸ œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸‡Â ¤¸›¸ú £íú¿. ƒ¬¸ capital and profitable business growth

dm{f©H$ [anmoQ>© Annual Report 2023-24 xv

¢™©¸¸ Ÿ¸Ê, ¤¸ÿˆÅ ›¸½ ‚œ¸›¸ú ˆÅŸ¸ ¥¸¸Š¸÷¸ ¨¸¸¥¸ú ¸Ÿ¸¸£¸¢©¸¡¸¸Ê ¸¾¬¸½ ¸¸¥¸» continued to remain the key priorities for the
‰¸¸÷¸¸ ‚¸¾£ ¤¸¸÷¸ ‰¸¸÷¸¸ ¸Ÿ¸¸£¸¢©¸¡¸¸Ê ˆÅ¸½ ¤¸õ¸›¸½ ˆÅ¸ œÏ¡¸¸¬¸ ¢ˆÅ¡¸¸, Bank. Towards this end, the Bank strived to scale
up its low-cost deposits, viz. Current Account
¬¸¸˜¸ íú ‚œ¸›¸ú ¸Ÿ¸¸£¸¢©¸ ¸º’¸›¸½ ˆÅú £µ¸›¸ú¢÷¸ ˆ½Å ‡ˆÅ ¢í¬¬¸½ ˆ½Å ³œ¸ and Savings Account deposits, as also focussed
Ÿ¸Ê ‰¸º™£¸ Ÿ¸ú¡¸¸™ú ¸Ÿ¸¸£¸¢©¸¡¸¸¿ ‚¸¾£ ˜¸¸½ˆÅ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ ¸º’¸›¸½ œ¸£ on garnering retail term deposits and bulk
ž¸ú š¡¸¸›¸ ˆÊÅ¢Í÷¸ ¢ˆÅ¡¸¸. ¤¸ÿˆÅ ›¸½ ‰¸º™£¸ ‡¨¸¿ ¬¸º¢¨¸©¸¸‰¸úˆ¼Å÷¸ ‚¸¦¬÷¸ deposits as a part of its deposit mobilisation
strategy. The Bank continued to focus on
œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ¤¸›¸¸¡¸½ £‰¸›¸½ œ¸£ š¡¸¸›¸ ˆ½Å¦›Í÷¸ £‰¸¸, ¸¸½ ‰¸º™£¸, ˆ¼Å¢«¸ maintaining a granular and well-diversified
‚¸¾£ ‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ (‚¸£‡‡Ÿ¸) ‰¸¿”¸Ê ˆ½Å ¬¸¸˜¸-¬¸¸˜¸ ‚Žú £½¢’¿Š¸ asset portfolio that saw it lending to Retail,
Agriculture & MSME (RAM) segments as well as
¨¸¸¥¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê ˆÅ¸½ †µ¸ ™½›¸½ Ÿ¸Ê ¢™‰¸¸. ž¸¸£÷¸ú¡¸ ¸ú¨¸›¸ ¤¸úŸ¸¸ ¢›¸Š¸Ÿ¸
well-rated corporates. As a result of the business
(‡¥¸‚¸ƒÄ¬¸ú) ˆ½Å ¬¸¸˜¸ ‚œ¸›¸½ ¬¸¿¤¸¿š¸¸Ê ׸£¸ ¬¸¼¢¸÷¸ ˆÅ¸£¸½¤¸¸£ú ÷¸¸¥¸Ÿ¸½¥¸ synergies created by its relationship with Life
ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³œ¸ ¤¸ÿˆÅ ˆÅ¸½ ˆÅ¸£¸½¤¸¸£ Ÿ¸Ê ¨¸¼¢Ö ‚¸¾£ ©¸º¥ˆÅ ‚¸¡¸ ¬¸½ Insurance Corporation of India (LIC), the Bank
continued to gain from business growth and fee
¥¸¸ž¸ ¢Ÿ¸¥¸›¸¸ ¸¸£ú £í¸. ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ›¸½ ‚Žú Š¸ºµ¸¨¸î¸¸ ¨¸¸¥¸½ ‚¸¦¬÷¸
income. Your Bank continued to prioritise good
œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ˆÅ¸½ œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ ™½›¸¸ ¸¸£ú £‰¸¸, ¢¸¬¸ˆ½Å ¢¥¸‡ ƒ¬¸›¸½ ¢œ¸Ž¥¸½ quality asset portfolio, for which, it has taken
ˆºÅŽ ¨¸«¸¸½ô Ÿ¸Ê ¢Š¸£¸¨¸’ ˆÅ¸½ ›¡¸»›¸÷¸Ÿ¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ˆÅƒÄ ˆÅ™Ÿ¸ „“¸‡ a number of steps over the years to minimise
slippages as also adopted a rigorous approach
íÿ ‚¸¾£ ¬¸¸˜¸ íú ‚œ¸›¸ú ‚›¸¸ÄˆÅ ‚¸¦¬÷¸¡¸¸Ê ¬¸½ ¨¸¬¸»¥¸ú ‚¸¾£ „››¸¡¸›¸
towards recovery and upgradation of its non-
ˆ½Å ¢¥¸‡ ‡ˆÅ ¬¸‰÷¸ ´¦«’ˆÅ¸½µ¸ ‚œ¸›¸¸¡¸¸ í¾. ‚¸œ¸ˆÅ¸ ¤¸ÿˆÅ ˆÅ¸£¸½¤¸¸£ú performing assets. Your Bank, in addition to the
œ¸í¥¸ˆÅ¸¡¸¸½ô ˆ½Å ‚¥¸¸¨¸¸, ‚œ¸›¸ú œ¸¢£¸¸¥¸›¸ ™®¸÷¸¸ Ÿ¸Ê ¬¸ºš¸¸£ ˆ½Å ¢¥¸‡ business initiatives, has also been taking various
measures towards technological upgradation
÷¸ˆÅ›¸úˆÅú „››¸¡¸›¸ ‚¸¾£ ‚¢š¸ˆÅ Ÿ¸¸°¸¸ Ÿ¸Ê ¢”¢¸’¥¸úˆÅ£µ¸ ˆÅú ¢™©¸¸ Ÿ¸Ê
and greater degree of digitalisation to improve
ž¸ú ˆÅƒÄ ˆÅ™Ÿ¸ „“¸÷¸¸ £í¸ í¾. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, ¤¸ÿˆÅ ‚›¸ºœ¸¸¥¸›¸-¬¸¿¸¸¢¥¸÷¸ its operational efficiency. Furthermore, the Bank
ˆÅ¸¡¸Ä ¬¸¿¬ˆ¼Å¢÷¸ œ¸£ ¥¸Š¸¸÷¸¸£ ‚¢š¸ˆÅ š¡¸¸›¸ ˆÊÅ¢Í÷¸ ˆÅ£÷¸¸ £í¸ í¾ ¸¸½ has been increasingly focussing on a compliance-
driven work culture that prioritises robust
Ÿ¸¸¤¸»÷¸ ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ‚¸¾£ ‚¢ž¸©¸¸¬¸›¸ œÏ˜¸¸‚¸Ê ˆÅ¸½ œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ risk management and governance practices.

xvi Friendship That

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Corporate Overview Statutory Reports Financial Statements

™½÷¸ú í¾. ‚œ¸›¸½ Ÿ¸»¥¸ž¸»÷¸ ˆÅ¸£¸½¤¸¸£ Ÿ¸¸Á”¥¸ ˆÅ¸½ Ÿ¸¸¤¸»÷¸ ˆÅ£›¸½ ˆ½Å ‚œ¸›¸½ Complementing its strategic objectives to
£µ¸›¸ú¢÷¸ˆÅ „Ó½©¡¸¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡, ¤¸ÿˆÅ ‚œ¸›¸½ ŠÏ¸íˆÅ-ˆÊÅ¢Í÷¸ strengthen its inherent business model, the
Bank has been focussing on ensuring highest
œ¸í¥¸ˆÅ¸¡¸¸½ô ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ŠÏ¸íˆÅ ¬¸¿÷¸º¦«’ ˆ½Å „¸÷¸Ÿ¸ ¬÷¸£ ˆÅ¸½ ¬¸º¢›¸¢ä¸÷¸
level of customer satisfaction through its
ˆÅ£›¸½ œ¸£ š¡¸¸›¸ ˆÊÅ¢Í÷¸ ˆÅ£ £í¸ í¾, ¢¸¬¸Ÿ¸Ê ƒ¬¸ˆ½Å ©¸¸‰¸¸ ›¸½’¨¸ˆÄÅ ˆÅ¸ customer-centric initiatives, which included
¢¨¸¬÷¸¸£ ‚¸¾£ ‡ˆÅ ¢›¸¤¸¸Äš¸ ¤¸íº-¸¾›¸¥¸ ‚›¸ºž¸¨¸ œÏ™¸›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ expansion of its branch network and improving
its digital functionalities to offer a seamless
‚œ¸›¸ú ¢”¢¸’¥¸ ˆÅ¸¡¸Ä®¸Ÿ¸÷¸¸‚¸Ê Ÿ¸Ê ¬¸ºš¸¸£ ˆÅ£›¸¸ ©¸¸¢Ÿ¸¥¸ í¾.
multi-channel experience.

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ׸£¸ ¢¨¸¢ž¸››¸ ˆÅ¸¡¸Ä ®¸½°¸¸Ê Ÿ¸Ê ¢ˆÅ¡¸½ Š¸¡¸½ ¢¨¸¢ž¸››¸ Various strategic initiatives across functionalities
£µ¸›¸ú¢÷¸ˆÅ œ¸í¥¸ˆÅ¸¡¸¸½ô ˆ½Å ¤¸¸£½ Ÿ¸Ê ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä ˆ½Å ¢›¸™½©¸ˆÅ¸Ê ˆÅú ¢£œ¸¸½’Ä that were taken by the Bank during the year
have been discussed in detail in the Directors’
‚¸¾£ œÏ¤¸¿š¸›¸ ¢¨¸¨¸½¸›¸¸ ‡¨¸¿ ¢¨¸©¥¸½«¸µ¸ ‰¸¿”¸Ê Ÿ¸Ê ¢¨¸¬÷¸¸£ ¬¸½ ¸¸¸Ä ˆÅú Š¸ƒÄ
Report and Management Discussion & Analysis
í¾. Ÿ¸º¸½ ¡¸í ¤¸÷¸¸÷¸½ íº‡ ¤¸½í™ ‰¸º©¸ú í¸½ £íú í¾ ¢ˆÅ £µ¸›¸ú¢÷¸ˆÅ œÏ¡¸¸¬¸¸Ê sections of the Annual Report. I am immensely
¬¸½ ¤¸ÿˆÅ ˆÅ¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 Ÿ¸Ê ‚œ¸›¸ú œ¸¢£¸¸¥¸›¸ ‚¸¾£ ¢¨¸î¸ú¡¸ pleased to state that the strategic endeavours
helped the Bank to post notable gains in its
¦¬˜¸¢÷¸ Ÿ¸Ê „¥¥¸½‰¸›¸ú¡¸ ¬¸ºš¸¸£ ™¸Ä ˆÅ£›¸½ Ÿ¸Ê Ÿ¸™™ ¢Ÿ¸¥¸ú í¾, ¢¸›¸Ÿ¸Ê ¬¸½
operational and financial standing in FY 2023-24,
ˆºÅŽ œ¸£ Ÿ¸ÿ œÏˆÅ¸©¸ ”¸¥¸›¸¸ ¸¸í»¿Š¸¸. some of which I would like to highlight.

Ÿ¸º¸½ œ¸»£¸ ¢¨¸æ¸¸¬¸ í¾ ¢ˆÅ ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ¢ˆÅ¬¸ú I am confident that your Bank has the right
strategy and capabilities to surmount any
ž¸ú ¸º›¸¸¾÷¸ú ¬¸½ ¢›¸œ¸’›¸½ ‚¸¾£ ÷¸½¸ú ¬¸½ ¢¨¸ˆÅ¢¬¸÷¸ í¸½ £í½
challenges and seize any opportunities
œ¸¢£¸¸¥¸›¸ œ¸¢£¨¸½©¸ Ÿ¸Ê ¢ˆÅ¬¸ú ž¸ú ‚¨¸¬¸£ ˆÅ¸½ ž¸º›¸¸›¸½ ˆ½Å
in the rapidly evolving operational
¢¥¸‡ ¬¸íú £µ¸›¸ú¢÷¸ ‚¸¾£ ®¸Ÿ¸÷¸¸‡¿ íÿ. environment.

¢¨¸î¸ú¡¸ ‡¨¸¿ œ¸¢£¸¸¥¸›¸Š¸÷¸ ¢¨¸©¸½«¸÷¸¸‡¿ Financial and Operational Highlights

ˆÅ¸£¸½¤¸¸£ú Ÿ¸¸½¸½Ä œ¸£, ¤¸ÿˆÅ ˆÅ¸ ˆºÅ¥¸ ˆÅ¸£¸½¤¸¸£ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 Ÿ¸Ê On the business front, the Bank’s total business
¤¸õˆÅ£ `4.66 ¥¸¸‰¸ ˆÅ£¸½”õ í¸½ Š¸¡¸¸, ¢¸¬¸Ÿ¸Ê ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 improved to ` 4.66 lakh crore in FY 2023-24,
registering an annualised growth of 12% over
ˆ½Å ` 4.18 ¥¸¸‰¸ ˆÅ£¸½”õ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê 12% ˆÅú ¨¸¸¢«¸ÄˆÅ ¨¸¼¢Ö ™¸Ä
` 4.18 lakh crore in FY 2022-23. On the asset
íºƒÄ. ‚¸¦¬÷¸ ˆ½Å Ÿ¸¸½¸½Ä œ¸£, ¢›¸¨¸¥¸ ‚¢ŠÏŸ¸ ` 1.89 ¥¸¸‰¸ ˆÅ£¸½”õ £í½,
front, net advances stood at ` 1.89 lakh crore,
¢¸›¸Ÿ¸Ê 16% (¨¸«¸Ä-™£-¨¸«¸Ä) ˆÅú ¨¸¼¢Ö ™¸Ä íºƒÄ. ‰¸º™£¸-ˆÊÅ¢Í÷¸ ¤¸ÿˆÅ
registering a growth of 16% (y-o-y). The share of
ˆ½Å ³œ¸ Ÿ¸Ê ‚œ¸›¸ú ¨¸¸¿ ¦ Ž÷¸ ¦¬˜¸¢÷¸ ˆ½Å ‚›¸º³œ¸, Ÿ¸¸¸Ä 2024 ˆ½Å ‚¿÷¸ Ÿ¸Ê retail to corporate advances in total advances,
ˆºÅ¥¸ ‚¢ŠÏŸ¸¸Ê Ÿ¸Ê ‰¸º™£¸ ‚¸¾£ ˆÅ¸Á£œ¸¸½£½’ ‚¢ŠÏŸ¸¸Ê ˆÅ¸ ¢í¬¬¸¸ ¬¸ºš¸£ ˆÅ£ in alignment with its intended positioning as

dm{f©H$ [anmoQ>© Annual Report 2023-24 xvii

70À30 í¸½ Š¸¡¸¸, ¸¤¸¢ˆÅ Ÿ¸¸¸Ä 2023 ˆ½Å ‚¿÷¸ Ÿ¸Ê ¡¸í 69À31 ˜¸¸. a retail-focused bank, improved to 70:30 as at
¤¸ÿˆÅ ˆÅ¸ ‰¸º™£¸ ¢›¸¨¸¥¸ ‚¢ŠÏŸ¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ 17% (¨¸«¸Ä-™£-¨¸«¸Ä) end-March 2024 as compared to 69:31 as at
end-March 2023. The Bank’s retail net advances
¤¸õˆÅ£ ` 1.33 ¥¸¸‰¸ ˆÅ£¸½”õ í¸½ Š¸¡¸¸ ‚¸¾£ ¬¸¿£¸›¸¸Š¸÷¸ ‰¸º™£¸ ‚¸¦¬÷¸
portfolio grew by 17% (y-o-y) to ` 1.33 lakh crore
(‡¬¸‚¸£‡) œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ` 83,882 ˆÅ£¸½”õ £í¸, ¢¸¬¸Ÿ¸Ê ¢¨¸î¸ú¡¸ ¨¸«¸Ä and the Structured Retail Assets (SRA) portfolio
2023-24 Ÿ¸Ê 11% (¨¸«¸Ä-™£-¨¸«¸Ä) ˆÅú ¨¸¼¢Ö íºƒÄ. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, stood at ` 83,882 crore, registering a growth of
11% (y-o-y) in FY 2023-24. Furthermore, the Bank
¤¸ÿˆÅ ›¸½ ¸¸½¢‰¸Ÿ¸-¬¸¿÷¸º¢¥¸÷¸ ÷¸£úˆ½Å ¬¸½ ‚œ¸›¸ú ˆÅ¸Á£œ¸¸½£½’ †µ¸ ¤¸íú ˆÅ¸½
also undertook concerted efforts to grow its
¤¸õ¸›¸½ ˆ½Å ¢¥¸‡ ž¸ú “¸½¬¸ œÏ¡¸¸¬¸ ¢ˆÅ‡. ™½¡¸÷¸¸‚¸Ê ˆ½Å Ÿ¸¸½¸½Ä œ¸£, ¤¸ÿˆÅ ˆÅ¸ corporate loan book in a risk-calibrated manner.
¸Ÿ¸¸ ‚¸š¸¸£ 9% (¨¸«¸Ä-™£-¨¸«¸Ä) ¤¸õˆÅ£ ` 2.78 ¥¸¸‰¸ ˆÅ£¸½”õ í¸½ On the liability front, the Bank’s deposit base
increased by 9% (y-o-y) to ` 2.78 lakh crore
Š¸¡¸¸, ¸¤¸¢ˆÅ ˆÅ¸¬¸¸ ¸Ÿ¸¸ Ÿ¸Ê 3% (¨¸«¸Ä-™£-¨¸«¸Ä) ˆÅú ¨¸¼¢Ö ™¸Ä ˆÅú
with CASA deposits registering a growth of 3%
Š¸ƒÄ ‚¸¾£ ¡¸í ` 1.40 ¥¸¸‰¸ ˆÅ£¸½”õ í¸½ Š¸ƒÄ. ¡¸Ô¸¢œ¸ ˆÅ¸¬¸¸ ‚›¸ºœ¸¸÷¸ (y-o-y) to ` 1.40 lakh crore. While there has been
Ÿ¸Ê ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å 53.02% ¬¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 a marginal dip in the CASA ratio to 50.43% in
Ÿ¸Ê 50.43% ÷¸ˆÅ ˆÅú Ÿ¸¸Ÿ¸»¥¸ú ¢Š¸£¸¨¸’ ‚¸ƒÄ, ¥¸½¢ˆÅ›¸ ¡¸í 50% ˆ½Å FY 2023-24 from 53.02% in FY 2022-23, it has
remained above the 50% mark.
¢›¸©¸¸›¸ ˆ½Å …œ¸£ ¤¸›¸¸ £í¸.
With regard to asset quality, Provision Coverage
‚¸¦¬÷¸ Š¸ºµ¸¨¸î¸¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê, œÏ¸¨¸š¸¸›¸ ˆÅ¨¸£½¸ ‚›¸ºœ¸¸÷¸ (œ¸ú¬¸ú‚¸£) Ratio (PCR) improved further to 99.09% in
¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å 97.94% ¬¸½ ¤¸õˆÅ£ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023- FY 2023-24 from 97.94% in FY 2022-23. The
24 Ÿ¸Ê 99.09% í¸½ Š¸¡¸¸. ƒ¬¸ˆ½Å ¬¸ˆÅ¥¸ ‡›¸œ¸ú‡ (¸ú‡›¸œ¸ú‡) ‚¸¾£ reduction in its Gross NPA (GNPA) and Net NPA
(NNPA) base underscore the Bank’s commitment
¢›¸¨¸¥¸ ‡›¸œ¸ú‡ (‡›¸‡›¸œ¸ú‡) ‚¸š¸¸£ Ÿ¸Ê ˆÅŸ¸ú ¤¸ÿˆÅ ˆÅú ‚œ¸›¸ú ‚¸¦¬÷¸
to improve its asset quality. The GNPA ratio was
Š¸ºµ¸¨¸î¸¸ Ÿ¸Ê ¬¸ºš¸¸£ ˆÅ£›¸½ ˆÅú œÏ¢÷¸¤¸Ö÷¸¸ ˆÅ¸½ £½‰¸¸¿¢ˆÅ÷¸ ˆÅ£÷¸ú í¾. at 4.53% in FY 2023-24 as compared to 6.38%
¸ú‡›¸œ¸ú‡ ‚›¸ºœ¸¸÷¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å 6.38% ˆÅú ÷¸º¥¸›¸¸ in FY 2022-23 – registering 185 basis points
Ÿ¸Ê 185 ‚¸š¸¸£ ‚¿ˆÅ ‹¸’ˆÅ£ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 Ÿ¸Ê 4.53% reduction. The NNPA ratio was at 0.34% in

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£í Š¸¡¸¸. ‡›¸‡›¸œ¸ú‡ ‚›¸ºœ¸¸÷¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å 0.92% FY 2023-24 as compared to 0.92% in FY 2022-23
ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê 58 ‚¸š¸¸£ ‚¿ˆÅ ‹¸’ˆÅ£ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 Ÿ¸Ê – registering 58 basis points reduction.
0.34% £í Š¸¡¸¸. The Bank’s capital position improved further
and remained well above the regulatory
¤¸ÿˆÅ ˆÅú œ¸»¿¸ú ¦¬˜¸¢÷¸ Ÿ¸Ê ‚¸¾£ ¬¸ºš¸¸£ íº‚¸ ÷¸˜¸¸ ¡¸í ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ‚œ¸½®¸¸‚¸Ê requirements. The CRAR was at 22.26% in
¬¸½ ˆÅ¸ûÅú …œ¸£ ¤¸›¸ú £íú. ¬¸ú‚¸£‡‚¸£ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å F Y 2023-24 as compared to 20.44% in
20.44% ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 Ÿ¸Ê 22.26% í¸½ Š¸¡¸¸. FY 2022-23. The Tier 1 Ratio was at 20.11% in
F Y 2023-24 as compared to 18.08% in
¢’¡¸£ 1 ‚›¸ºœ¸¸÷¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å 18.08% ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê
FY 2022-23.
¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 Ÿ¸Ê 20.11% £í¸.
The overall profitability of the Bank improved in
¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 Ÿ¸Ê ¤¸ÿˆÅ ˆÅú ¬¸Ÿ¸ŠÏ ¥¸¸ž¸œÏ™÷¸¸ Ÿ¸Ê ¬¸ºš¸¸£ íº‚¸; FY 2023-24; Net Interest Income (NII) registered a
¢›¸¨¸¥¸ ¤¡¸¸¸ ‚¸¡¸ (‡›¸‚¸ƒÄ‚¸ƒÄ) Ÿ¸Ê 24% (¨¸«¸Ä-™£-¨¸«¸Ä) ˆÅú ¨¸¼¢Ö growth of 24% (y-o-y) to ` 14,186 crore; Operating
Profit increased by 10% (y-o-y) to ` 9,592 crore;
™¸Ä ˆÅú Š¸ƒÄ, ¸¸½ `14,186 ˆÅ£¸½”õ í¸½ Š¸ƒÄ; œ¸¢£¸¸¥¸›¸ ¥¸¸ž¸ 10%
Profit Before Tax (PBT) increased by 56% (y-o-y)
(¨¸«¸Ä-™£-¨¸«¸Ä) ¤¸õˆÅ£ ` 9,592 ˆÅ£¸½”õ í¸½ Š¸¡¸¸; ˆÅ£-œ¸»¨¸Ä ¥¸¸ž¸ to ` 8,195 crore and consequently led to a
(œ¸ú¤¸ú’ú) 56% (¨¸«¸Ä-™£-¨¸«¸Ä) ¤¸õˆÅ£ ` 8,195 ˆÅ£¸½”õ í¸½ Š¸¡¸¸ 55% surge in its Net Profit to ` 5,634 crore for
‚¸¾£ ƒ¬¸ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³œ¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 Ÿ¸Ê ƒ¬¸ˆÅ¸ ¢›¸¨¸¥¸ FY 2023-24. I would like to mention here that,
despite various challenges, this is the fourth
¥¸¸ž¸ 55% ¤¸õˆÅ£ ` 5,634 ˆÅ£¸½”õ í¸½ Š¸¡¸¸. Ÿ¸ÿ ¡¸í¸Â ¡¸í „¥¥¸½‰¸
year in a row that the Bank has registered net
ˆÅ£›¸¸ ¸¸í»ÂŠ¸¸ ¢ˆÅ ¢¨¸¢ž¸››¸ ¸º›¸¸¾¢÷¸¡¸¸Ê ˆ½Å ¤¸¸¨¸¸»™, ¡¸í ¥¸Š¸¸÷¸¸£ ¸¸¾˜¸¸ profit, with each year’s performance improving
¨¸«¸Ä í¾ ¸¤¸ ¤¸ÿˆÅ ›¸½ ¢›¸¨¸¥¸ ¥¸¸ž¸ ™¸Ä ¢ˆÅ¡¸¸ í¾ ‚¸¾£ œÏ÷¡¸½ˆÅ ¨¸«¸Ä ˆÅ¸ over the previous year.
œÏ™©¸Ä›¸ ¢œ¸Ž¥¸½ ¨¸«¸Ä ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê ¤¸½í÷¸£ í¸½ £í¸ í¾. Way Forward
I am confident that your Bank has the right
‚¸Š¸½ ˆÅú £¸í
strategy and capabilities to surmount any
Ÿ¸º¸½ œ¸»£¸ ¢¨¸æ¸¸¬¸ í¾ ¢ˆÅ ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ¢ˆÅ¬¸ú ž¸ú ¸º›¸¸¾÷¸ú ¬¸½ ¢›¸œ¸’›¸½ challenges and seize any opportunities in the
rapidly evolving operating environment. Your
‚¸¾£ ÷¸½¸ú ¬¸½ ¢¨¸ˆÅ¢¬¸÷¸ í¸½ £í½ œ¸¢£¸¸¥¸›¸ œ¸¢£¨¸½©¸ Ÿ¸Ê ¢ˆÅ¬¸ú ž¸ú ‚¨¸¬¸£
Bank has implemented multiple strategic
ˆÅ¸½ ž¸º›¸¸›¸½ ˆ½Å ¢¥¸‡ ¬¸íú £µ¸›¸ú¢÷¸ ‚¸¾£ ®¸Ÿ¸÷¸¸‡¿ íÿ. ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ›¸½ ˆÅƒÄ initiatives cohesively that have not only helped
£µ¸›¸ú¢÷¸ˆÅ œ¸í¥¸¸Ê ˆÅ¸½ ‡ˆÅ ¬¸¸˜¸ ¥¸¸Š¸» ¢ˆÅ¡¸¸ í¾, ¢¸¬¸¬¸½ ›¸ ˆ½Å¨¸¥¸ ¢œ¸Ž¥¸½ it to address certain issues over the years but
have also enhanced its inherent foundational
ˆºÅŽ ¨¸«¸¸½ô Ÿ¸Ê ˆºÅŽ Ÿ¸ºÓ¸Ê ˆÅ¸½ í¥¸ ˆÅ£›¸½ Ÿ¸Ê Ÿ¸™™ ¢Ÿ¸¥¸ú í¾ ¤¸¦¥ˆÅ ƒ¬¸ˆÅú
strengths. Your Bank is well-positioned to take
‚¿÷¸¢›¸Ä¢í÷¸ ‚¸š¸¸£ž¸»÷¸ ©¸¢Æ÷¸¡¸¸¿ ž¸ú ¤¸õ ú íÿ¾. ‚¸œ¸ˆÅ¸ ¤¸ÿˆÅ ‚›¸ºˆ»Å¥¸ advantage of the favourable macroeconomic
¬¸Ÿ¸¦«’ ‚¸¢˜¸ÄˆÅ ¨¸¸÷¸¸¨¸£µ¸ ˆÅ¸ ¥¸¸ž¸ „“¸›¸½ ˆ½Å ¢¥¸‡ ¤¸½í÷¸£ ¦¬˜¸¢÷¸ environment. Backed by a healthier and
stronger balance sheet, the Bank is well-placed
Ÿ¸Ê í¾. ‡ˆÅ ¤¸½í÷¸£ ‚¸¾£ Ÿ¸¸¤¸»÷¸ ÷¸º¥¸›¸ œ¸°¸ ׸£¸ ¬¸Ÿ¸¢˜¸Ä÷¸ ¤¸ÿˆÅ †µ¸ to support the growth aspirations of the Indian
Ÿ¸¸¿Š¸ ˆÅ¸½ œ¸»£¸ ˆÅ£ˆ½Å ž¸¸£÷¸ú¡¸ ‚˜¸Ä¨¡¸¨¸¬˜¸¸ ˆÅú ¢¨¸ˆÅ¸¬¸ ‚¸ˆÅ¸¿®¸¸‚¸Ê ˆÅ¸ economy by catering to the credit demand. The

dm{f©H$ [anmoQ>© Annual Report 2023-24 xix

¬¸Ÿ¸˜¸Ä›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‚Žú ¦¬˜¸¢÷¸ Ÿ¸Ê í¾. ¤¸ÿˆÅ ‚œ¸›¸½ ¸Ÿ¸¸ ‚¸š¸¸£ Bank will continue to capitalise on its customer-
ˆÅ¸½ ¤¸õ¸›¸½ ˆ½Å ¢¥¸‡ ‚œ¸›¸½ ŠÏ¸íˆÅ-ˆÊÅ¢Í÷¸ ´¦«’ˆÅ¸½µ¸ ˆÅ¸ ¥¸¸ž¸ „“¸›¸¸ centric approach to widen its deposit base. In
addition to its core banking business, the Bank
¸¸£ú £‰¸½Š¸¸. ‚œ¸›¸½ Ÿ¸º‰¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ˆÅ¸£¸½¤¸¸£ ˆ½Å ‚¥¸¸¨¸¸, ¤¸ÿˆÅ ‡ˆÅ íú
will focus on deepening the existing customer
¬˜¸¸›¸ œ¸£ ¬¸ž¸ú ¢¨¸î¸ú¡¸ ¬¸Ÿ¸¸š¸¸›¸ œÏ™¸›¸ ˆÅ£ Ÿ¸¸¾¸»™¸ ŠÏ¸íˆÅ ¬¸¿¤¸¿š¸¸Ê ˆÅ¸½ relationships by providing holistic financial
Š¸í£¸ ˆÅ£›¸½ œ¸£ š¡¸¸›¸ ˆÊÅ¢Í÷¸ ˆÅ£½Š¸¸. ¤¸ÿ¢ˆ¿ÅŠ¸ ®¸½°¸ Ÿ¸Ê ‚œ¸›¸ú ¦¬˜¸¢÷¸ solutions under one roof. To further augment
its position in the banking space, your Bank will
ˆÅ¸½ ‚¸¾£ ¬¸º´õ ˆÅ£›¸½ ˆ½Å ¢¥¸‡, ‚¸œ¸ˆÅ¸ ¤¸ÿˆÅ ‚œ¸›¸½ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å
continue to invest in scaling up the knowledge
±¸¸›¸ ‚¸¾£ ˆÅ¸¾©¸¥¸ ˆÅ¸½ ¤¸õ¸›¸½ Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅ£›¸¸ ¸¸£ú £‰¸½Š¸¸ ÷¸¸¢ˆÅ ¡¸í and skills of its workforce to ensure that they
¬¸º¢›¸¢ä¸÷¸ í¸½ ¬¸ˆ½Å ¢ˆÅ ¨¸½ ¢¨¸ˆÅ¢¬¸÷¸ í¸½ £í½ ¢¨¸î¸ú¡¸ œ¸¢£´©¡¸ Ÿ¸Ê ‚¸Š¸½ are capable of navigating the evolving financial
¤¸õ›¸½ ‚¸¾£ ¤¸½í÷¸£ú›¸ ŠÏ¸íˆÅ ¬¸½¨¸¸ œÏ™¸›¸ ˆÅ£›¸½ Ÿ¸Ê ¬¸®¸Ÿ¸ í¸Ê. ‚¸œ¸ˆÅ¸ landscape and providing superior customer
service. Your Bank will continue to invest in
¤¸ÿˆÅ œ¸¢£¸¸¥¸›¸ ™®¸÷¸¸ ‡¨¸¿ ›¸¨¸¸¸¸£¸Ê ˆÅ¸½ ¤¸õ¸÷¸½ íº‡ œÏ¢÷¸¬œ¸š¸¸Ä÷Ÿ¸ˆÅ technological advances to gain a competitive
¤¸õ÷¸ í¸¢¬¸¥¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ œÏ¸¾Ô¸¸½¢Š¸ˆÅú¡¸ œÏŠ¸¢÷¸ Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅ£›¸¸ edge by enhancing operational efficiency, driving
¸¸£ú £‰¸½Š¸¸ ‚¸¾£ ƒ¬¸¬¸½ ŠÏ¸íˆÅ ‚›¸ºž¸¨¸ Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ ‚¸‡Š¸¸. ‚œ¸›¸ú innovations and thus, transforming customer
experiences. At the core of its strategy, the Bank
£µ¸›¸ú¢÷¸ ˆ½Å Ÿ¸»¥¸ Ÿ¸Ê, ¤¸ÿˆÅ ‚œ¸›¸½ ¬¸ž¸ú ¢í÷¸š¸¸£ˆÅ¸Ê ˆ½Å ¢¥¸‡ ™ú‹¸ÄˆÅ¸¢¥¸ˆÅ
remains resolute in its commitment to remain
Ÿ¸»¥¡¸ Ÿ¸Ê ¨¸¼¢Ö ˆÅ£÷¸½ íº‡ ¬¸¨¸¸Ä¢š¸ˆÅ œ¸¬¸¿™ú™¸ ‚¸¾£ ¢¨¸æ¸¬¸›¸ú¡¸ ¤¸ÿˆÅ ¤¸›¸½ the most preferred and trusted bank enhancing
£í›¸½ ˆÅú ‚œ¸›¸ú œÏ¢÷¸¤¸Ö÷¸¸ ˆ½Å œÏ¢÷¸ ´õ í¾. long-term value for all its stakeholders.

‚œ¸›¸ú £µ¸›¸ú¢÷¸ ˆ½Å Ÿ¸»¥¸ Ÿ¸Ê, ¤¸ÿˆÅ ‚œ¸›¸½ ¬¸ž¸ú ¢í÷¸š¸¸£ˆÅ¸Ê At the core of its strategy, the Bank
remains resolute in its commitment to
ˆ½Å ¢¥¸‡ ™ú‹¸ÄˆÅ¸¢¥¸ˆÅ Ÿ¸»¥¡¸ Ÿ¸Ê ¨¸¼¢Ö ˆÅ£÷¸½ íº‡
remain the most preferred and trusted
¬¸¨¸¸Ä¢š¸ˆÅ œ¸¬¸¿™ú™¸ ‚¸¾£ ¢¨¸æ¸¬¸›¸ú¡¸ ¤¸ÿˆÅ ¤¸›¸½ £í›¸½ ˆÅú bank enhancing long-term value for all its
‚œ¸›¸ú œÏ¢÷¸¤¸Ö÷¸¸ ˆ½Å œÏ¢÷¸ ´õ í¾. stakeholders.

Acknowledgement
‚¸ž¸¸£
I would like to express my gratitude for the
Ÿ¸ÿ ž¸¸£÷¸ ¬¸£ˆÅ¸£, ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ, ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸ ‚¸¾£ valuable support and co-operation extended
¢¨¸¢›¸Ÿ¸¡¸ ¤¸¸½”Ä ÷¸˜¸¸ ‚›¡¸ ¬¸ž¸ú ¬¸¸¿¢¨¸¢š¸ˆÅ ‡¨¸¿ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅú¡¸ by the Government of India, the Reserve Bank
of India, the Securities and Exchange Board
œÏ¸¢š¸ˆÅ¸¢£¡¸¸Ê ׸£¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ¢™‡ Š¸‡ ¤¸íºŸ¸»¥¡¸ ¬¸Ÿ¸˜¸Ä›¸ ‚¸¾£ of India and all other statutory & regulatory
¬¸í¡¸¸½Š¸ ˆ½Å ¢¥¸‡ ‚œ¸›¸¸ ‚¸ž¸¸£ ¨¡¸Æ÷¸ ˆÅ£›¸¸ ¸¸í÷¸¸ í»Â. Ÿ¸ÿ ž¸¸£÷¸ú¡¸ authorities from time-to-time. I would like
to extend my heartfelt appreciation for the
¸ú¨¸›¸ ¤¸úŸ¸¸ ¢›¸Š¸Ÿ¸ (‡¥¸‚¸ƒÄ¬¸ú) ׸£¸ ¢™‡ Š¸‡ ¬¸Ÿ¸˜¸Ä›¸ ˆ½Å ¢¥¸‡
support extended by the Life Insurance
‚œ¸›¸ú í¸¢™ÄˆÅ œÏ©¸¿¬¸¸ ¨¡¸Æ÷¸ ˆÅ£›¸¸ ¸¸í÷¸¸ í»Â, ¢¸¬¸›¸½ ¤¸ÿˆÅ ˆÅ¸½ ‚œ¸›¸ú Corporation of India (LIC) that has empowered

xx Friendship That
Powers Progress
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Corporate Overview Statutory Reports Financial Statements

¡¸¸°¸¸ Ÿ¸Ê ¬¸©¸Æ÷¸ ¤¸›¸¸¡¸¸ í¾. Ÿ¸ÿ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ‚¸¾£ œÏ¤¸¿š¸›¸ ’úŸ¸ ˆÅ¸½ the Bank in its journey. I would like to thank the
„›¸ˆ½Å ¤¸íºŸ¸»¥¡¸ Ÿ¸¸Š¸Ä™©¸Ä›¸ ‚¸¾£ ‚’»’ ¬¸Ÿ¸˜¸Ä›¸ ˆ½Å ¢¥¸‡ š¸›¡¸¨¸¸™ ™½›¸¸ Board of Directors and the Management Team
for their invaluable guidance and unwavering
¸¸í÷¸¸ í»Â. Ÿ¸ÿ ¬¸ž¸ú ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅú „›¸ˆ½Å ¬¸Ÿ¸œ¸Äµ¸, ˆÅ”õú Ÿ¸½í›¸÷¸ ‚¸¾£ support. I would like to commend all the
¥¸¸ú¥¸½œ¸›¸ ˆ½Å ¢¥¸‡ ¬¸£¸í›¸¸ ˆÅ£›¸¸ ¸¸í÷¸¸ í»Â, ¢¸›¸¬¸½ íŸ¸Ê ‚œ¸›¸½ ¥¸®¡¸¸Ê employees for their dedication, hard work and
resilience that helped us to achieve our goals. I
ˆÅ¸½ œÏ¸œ÷¸ ˆÅ£›¸½ Ÿ¸Ê Ÿ¸™™ ¢Ÿ¸¥¸ú. Ÿ¸ÿ ‚œ¸›¸½ ©¸½¡¸£š¸¸£ˆÅ¸Ê ‚¸¾£ ŠÏ¸íˆÅ¸Ê
acknowledge the trust and confidence that our
׸£¸ ¤¸ÿˆÅ œ¸£ £‰¸½ Š¸‡ ¢¨¸æ¸¸¬¸ ‚¸¾£ ž¸£¸½¬¸½ ˆ½Å ¢¥¸‡ š¸›¡¸¨¸¸™ ±¸¸¢œ¸÷¸ shareholders and customers have placed in
the Bank. I would also like to extend my sincere
ˆÅ£÷¸¸ í»Â. Ÿ¸ÿ ¤¸ÿˆÅ ˆÅú Ÿ¸»¥¡¸ ª¼¿‰¸¥¸¸ Ÿ¸Ê ž¸¸Š¸ú™¸£¸Ê ˆÅ¸½ „›¸ˆ½Å ¤¸íºŸ¸»¥¡¸
thanks to the Bank’s value chain partners for
¡¸¸½Š¸™¸›¸ ˆ½Å ¢¥¸‡ ‚œ¸›¸¸ í¸¢™ÄˆÅ š¸›¡¸¨¸¸™ ™½›¸¸ ¸¸í÷¸¸ í»Â, ¸¸½ ퟸ¸£ú their invaluable contribution that has been
™¾›¸¿¢™›¸ Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê Ÿ¸Ê Ÿ¸í÷¨¸œ¸»µ¸Ä £í½ íÿ ‚¸¾£ ¢¸›í¸Ê›¸½ íŸ¸Ê ‚œ¸›¸½ pivotal in our day-to-day activities and has
helped us to achieve our business objectives.
ˆÅ¸£¸½¤¸¸£ú „Ó½©¡¸¸Ê ˆÅ¸½ œÏ¸œ÷¸ ˆÅ£›¸½ Ÿ¸Ê Ÿ¸™™ ˆÅú í¾. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ We, at IDBI Bank, are optimistic about your
Ÿ¸Ê, ퟸ ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆÅú ÷¸½¸ú ¬¸½ ¤¸õ›¸½ ˆÅú ®¸Ÿ¸÷¸¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê ‚¸©¸¸¨¸¸™ú Bank’s potential to grow exponentially and look
forward to your continued support and goodwill
íÿ ‚¸¾£ ‚¸œ¸ˆ½Å ¢›¸£¿÷¸£ ¬¸Ÿ¸˜¸Ä›¸ ‚¸¾£ ¬¸Õ¸¨¸ ˆÅú ‚¸©¸¸ ˆÅ£÷¸½ íÿ ÷¸¸¢ˆÅ
as we continue to march ahead towards brighter
ퟸ „¨¸¥¸ ‚¸¾£ ¤¸½í÷¸£ ž¸¢¨¸«¡¸ ˆÅú ‚¸½£ ‚ŠÏ¬¸£ í¸½÷¸½ £íÊ. and better future.

©¸ºž¸ˆÅ¸Ÿ¸›¸¸‚¸Ê ¬¸¢í÷¸, With best wishes,

£¸ˆ½Å©¸ ©¸Ÿ¸¸Ä Rakesh Sharma

Managing Director & CEO
œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ ¬¸úƒÄ‚¸½

Owning is easy.
Driving is fun.

Auto Loans from IDBI Bank.

dm{f©H$ [anmoQ>© Annual Report 2023-24 xxi

Hw$N> à‘wI J{V{d{Y¶m§
Some Major Events

\vagata vaVaQ kI Jala\kyaa/

Glimpses of the past year

ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä, ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ ¬¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23

ˆ½Å ¢¥¸‡ ¥¸¸ž¸¸¿©¸ ˆÅ¸ ¸½ˆÅ œÏ¸œ÷¸ ˆÅ£÷¸½ íº‡ Ÿ¸¸›¸›¸ú¡¸ ¢¨¸î¸ Ÿ¸¿°¸ú,
ªúŸ¸÷¸ú ¢›¸Ÿ¸Ä¥¸¸ ¬¸ú÷¸¸£Ÿ¸µ¸.

Hon’ble Finance Minister, Smt. Nirmala Sitharaman,

receiving the dividend cheque for FY 2022-23 from
Shri Rakesh Sharma, MD & CEO.

ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä, ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½, ž¸¸£÷¸ú¡¸ ¸ú¨¸›¸ ¤¸úŸ¸¸

¢›¸Š¸Ÿ¸ ˆ½Å ‚š¡¸®¸ ªú ¢¬¸Ö¸˜¸Ä Ÿ¸¸½í¿÷¸ú ˆÅ¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23
ˆ½Å ¢¥¸‡ ¥¸¸ž¸¸¿©¸ ˆ ¸ ¸½ˆÅ ¬¸¸ÿœ¸÷¸½ íº‡.

Shri Rakesh Sharma, MD & CEO, handing over the

dividend cheque for FY 2022-23 to Shri Siddhartha
Mohanty, Chairperson, LIC of India.

xxii Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä, ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½, ‚Ÿ¤¸½”ˆÅ£ ¸¡¸¿÷¸ú ˆ½Å

‚¨¸¬¸£ œ¸£ ”¸Á. ¤¸¸¤¸¸¬¸¸í½¤¸ ‚Ÿ¤¸½”ˆÅ£ ˆÅ¸½ ªÖ¸¿¸¢¥¸ ‚¢œ¸Ä÷¸
ˆÅ£÷¸½ íº‡.

Shri Rakesh Sharma, MD & CEO, paying homage

to Dr. Babasaheb Ambedkar on the occasion of
Ambedkar Jayanti.

ªú ¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾, „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ, ¤¸ÿˆÅ ˆ½Å ¨¸¢£«“

‚¢š¸ˆÅ¸¢£¡¸¸Ê ‚¸¾£ ‚›¡¸ Š¸µ¸Ÿ¸¸›¡¸ ¨¡¸¢Æ÷¸¡¸¸Ê ˆÅú „œ¸¦¬˜¸¢÷¸ Ÿ¸Ê
¬¸¸ƒ¿¬¸ ¢¬¸’ú, ‚ퟸ™¸¤¸¸™ ©¸¸‰¸¸ ˆÅ¸ „™Ã‹¸¸’›¸ ˆÅ£÷¸½ íº‡.

Shri Jayakumar S. Pillai, DMD, inaugurating the

Science City, Ahmedabad branch, in presence of
senior officials of the Bank and other dignitaries.

Ÿ¸í¸£¸«’ï ˆ½Å Ÿ¸¸›¸›¸ú¡¸ Ÿ¸º‰¡¸Ÿ¸¿°¸ú, ªú ‡ˆÅ›¸¸˜¸ ¢©¸¿™½ , Ÿ¸í¸£¸«’ï ˆ½Å

Ÿ¸¸›¸›¸ú¡¸ „œ¸ Ÿ¸º‰¡¸Ÿ¸¿°¸ú ªú ™½¨¸ÊÍ ûÅ”µ¸¨¸ú¬¸, Ÿ¸í¸£¸«’ï ˆ½ Ÿ¸¸›¸›¸ú¡¸
ŠÏ¸Ÿ¸úµ¸ ¢¨¸ˆÅ¸¬¸ Ÿ¸¿°¸ú, ªú ¢Š¸£ú©¸ Ÿ¸í¸¸›¸, ‚›¡¸ Š¸µ¸Ÿ¸¸›¡¸ ¨¡¸¢Æ÷¸
‚¸¾£ ¤¸ÿˆÅ ˆ½Å ¨¸¢£«“ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¸Ê ˆÅú „œ¸¦¬˜¸¢÷¸ Ÿ¸Ê ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä,
‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½, ¬¸½ ¢¨¸¥¸½¸ ¬¸¸½©¸¥¸ ’︿¬¸ûŸÁŸ¸½Ä©¸›¸ ûŸ„¿”½©¸›¸
(¨¸ú‡¬¸’ú‡ûÅ) ˆ½Å ¢¥¸‡ ¬¸ú‡¬¸‚¸£ ‚›¸º™¸›¸ œÏ¸œ÷¸ ˆÅ£÷¸½ íº‡.

Hon’ble Chief Minister, Maharashtra, Shri Eknath

Shinde, receiving a CSR Grant towards Village
Social Transformation Foundation (VSTF) from
Shri Rakesh Sharma, MD & CEO, in the presence
of Hon’ble Deputy Chief Minister, Maharashtra,
Shri Devendra Fadnavis, Hon’ble Minister, Rural
Development, Maharashtra, Shri Girish Mahajan,
other dignitaries and senior executives of the Bank.

dm{f©H$ [anmoQ>© Annual Report 2023-24 xxiii

 ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä, ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½, ¤¸ÿˆÅ ˆ½Å ¨¸¢£«“ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¸Ê
ˆÅú „œ¸¦¬˜¸¢÷¸ Ÿ¸Ê œ¸ºµ¸½ Ÿ¸Ê ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¥¸¢›¸ôŠ¸ ¬¸Ê’£ ˆÅ¸ „™Ã‹¸¸’›¸
ˆÅ£÷¸½ íº‡.

Shri Rakesh Sharma, MD & CEO, inaugurating the

IDBI Learning Center, Pune, in the presence of
senior executives of the Bank.

ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä, ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½, `¬¸÷¸ˆÄÅ÷¸¸ ¸¸Š¸³ ˆÅ÷¸¸

¬¸œ÷¸¸í' ˆ½Å ‚¨¸¬¸£ œ¸£ ¬¸÷¡¸¢›¸«“¸ ˆÅú ©¸œ¸˜¸ ¢™¥¸¸÷¸½ íº‡, ¬¸¸˜¸ Ÿ¸Ê
íÿ ªú ¬¸º£½©¸ ‰¸’›¸í¸£, ·¸·ˆ ¸¥¸ú›¸ ”ú‡Ÿ¸”ú, ªú ¸¡¸ˆºÅŸ¸¸£ ‡¬¸.
¢œ¸¥¥¸¾, ”ú‡Ÿ¸”ú ‚¸¾£ ¤¸ÿˆÅ ˆÅú ¬¸ú¨¸ú‚¸½ ªúŸ¸÷¸ú ‚¸©¸¸ £¸¸ú¨¸.

Shri Rakesh Sharma, MD & CEO, administering

the Integrity Pledge on the occasion of ‘Vigilance
Awareness Week’ along with Shri Suresh Khatanhar,
then DMD, Shri Jayakumar S. Pillai, DMD and
Smt. Asha Rajiv, CVO of the Bank.

ªú ¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾, ”ú‡Ÿ¸”ú ¢í¿™ú ¢™¨¸¬¸ ˆ½Å ‚¨¸¬¸£ œ¸£

‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆ½Å œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸, Ÿ¸º¿¤¸ƒÄ Ÿ¸Ê °¸¾Ÿ¸¸¢¬¸ˆÅ ¢í¿™ú
Š¸¼í œ¸¢°¸ˆÅ¸ `¢¨¸ˆÅ¸¬¸ œÏž¸¸' ˆÅ¸ ¢¨¸Ÿ¸¸½¸›¸ ˆÅ£÷¸½ íº‡.

Shri Jayakumar S. Pillai, DMD, releasing the

quarterly in-house Hindi magazine ‘Vikas Prabha’
on the occasion of Hindi Diwas at IDBI Bank's Head
Office, Mumbai.

xxiv Friendship That

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‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆÅ¸½ š¸›¸Ÿ¸ ¤¸ú‡ûҬ¸‚¸ƒÄ ¬¸¢Ÿ¸’ ‡¿” ‚¨¸¸”Ä

›¸¸ƒ’ 2024 Ÿ¸Ê `š¸›¸Ÿ¸ œÏ¸ƒ¨¸½’ ¬¸½Æ’£ ¤¸ÿˆÅ ‚¸ÁûÅ ™ ƒÄ¡¸£'
œ¸º£¬ˆÅ¸£ œÏ¸œ÷¸ íº‚¸. ªúŸ¸÷¸ú ‚›¸º£¸š¸¸ ˆÅ¸¿÷¸, ‚¿¸¥¸ œÏŸ¸º‰¸,
¤¸¿Š¸¥¸º² ›¸½ ¤¸ÿˆÅ ˆÅú ‚¸½£ ¬¸½ ¡¸í œ¸º£¬ˆÅ¸£ œÏ¸œ÷¸ ¢ˆÅ¡¸¸.

IDBI Bank received the 'Dhanam Private Sector Bank

of the Year' award at the Dhanam BFSI Summit
& Award Nite 2024. Smt. Anuradha Kant, Zonal
Head, Bengaluru, received the award on behalf
of the Bank.

ƒ›¨¸¿½’ïú û ¸ƒ›ø¿¹¬¸¿Š¸ ˆ½Å ¢¥¸‡ ¬¸íŸ¸¢÷¸ ±¸¸œ¸›¸ œ¸£ í¬÷¸¸®¸£ ˆÅ£÷¸½ íº‡
ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä, ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ ‚¸¾£ Ÿ¸¸² ¢÷¸ ¬¸º¸ºˆÅú ƒ¿¢”¡¸¸
¢¥¸¢Ÿ¸’½” ˆ½Å ¨¸¢£«“ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ‚¢š¸ˆÅ¸£ú ªú ©¸©¸¸¿ˆÅ ªú¨¸¸¬÷¸¨¸.

Shri Rakesh Sharma, MD & CEO and Shri Shashank

Srivastava, Senior Executive Officer, Maruti Suzuki
India Limited, at the MoU signing for Inventory
Financing.

ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä, ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ ‚¸¾£ ªú ¸¡¸ˆºÅŸ¸¸£ ‡¬¸.

¢œ¸¥¥¸¾, ”ú‡Ÿ¸”ú, Ÿ¸º¿¤¸ƒÄ œ¸º¢¥¸¬¸ ¢¸Ÿ¸‰¸¸›¸¸ ŠÏ¸„¿” Ÿ¸Ê ‚¸¡¸¸½¢¸÷¸
`¨¸¢£«“ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¸Ê ˆÅ¸ ¢Çň½Å’ Ÿ¸¾¸' Ÿ¸Ê ¤¸ÿˆÅ ˆ½Å ‚›¡¸ ¨¸¢£«“
ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¸Ê ˆ½Å ¬¸¸˜¸.

Shri Rakesh Sharma, MD & CEO and

Shri Jayakumar S. Pillai, DMD, at the ‘Senior
Executives Cricket Match’ conducted at Mumbai
Police Gymkhana Ground, along with other senior
executives of the Bank.

dm{f©H$ [anmoQ>© Annual Report 2023-24 xxv

nwañH$ma Ed§ gå‘mZ
Awards and Accolades

‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆÅ¸½ ¤¸ú‡ûҬ¸‚¸ƒÄ ’½ˆÅ ¬¸¢Ÿ¸’ ‡¿” ‚¨¸¸”ì¸Ä IDBI Bank was conferred with the ‘Digital Initiative
2023 Ÿ¸Ê ƒ¥¸½Æ’ï¸Á¢›¸ˆÅ ¤¸ÿˆÅ Š¸¸£¿’ú ˆ½Å ¢¥¸‡ `¢”¢¸’¥¸ ƒ¢›¸¢©¸‡¢’¨¸ of the Year’ Award for electronic Bank Guarantee at
‚¸ÁûÅ ™ ƒÄ¡¸£' œ¸º£¬ˆÅ¸£ ¬¸½ ¬¸ŸŸ¸¸¢›¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸. the BFSI Tech Summit and Awards 2023.

Pension Fund Regulatory and Development Authority

œ¸Ê©¸›¸ ¢›¸¢š¸ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ‚¸¾£ ¢¨¸ˆÅ¸¬¸ œÏ¸¢š¸ˆÅ£µ¸ (œ¸ú‡ûÅ‚¸£”ú‡) (PFRDA) bestowed the Bank with a trophy and an
›¸½ ¤¸ÿˆÅ ˆÅ¸½ ¥¸ú”£¢©¸œ¸ ¢œ¸›¸½ˆÅ¥¸ ‡œ¸ú¨¸¸ƒÄ ‚¸¾£ ¢¤¸Š¸ ¢¤¸¥¸ú¨¸¬¸Ä ˆ¾ÅŸœ¸½›¸ Award of ‘Par Excellence’ for its performance in the
Ÿ¸Ê ƒ¬¸ˆ½Å œÏ™©¸Ä›¸ ˆ½Å ¢¥¸‡ ÇÅŸ¸©¸À ’ï¸ÁûÅú ‚¸¾£ `œ¸¸£ ‡Æ¬¸ú¥¸Ê¬¸' Leadership Pinnacle APY and the Big Believers
œ¸º£¬ˆÅ¸£ œÏ™¸›¸ ¢ˆÅ¡¸¸. Campaigns respectively.

‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ›¸½ ‡¢©¸¡¸›¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ‡¿” ûŸƒ›¸Ê¬¸ í¸½¥¸¬¸½¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ IDBI Bank won the ‘Domestic Liquidity Management
‚¨¸¸”ì¸Ä 2023 Ÿ¸Ê `”¸½Ÿ¸½¦¬’ˆÅ ¢¥¸¦Æ¨¸¢”’ú Ÿ¸¾›¸½¸Ÿ¸Ê’ ƒ¢›¸¢©¸‡¢’¨¸ Initiative of the Year’ Award at the Asian Banking &
‚¸ÁûÅ ™ ƒÄ¡¸£ 2023' œ¸º£¬ˆÅ¸£ ¸ú÷¸¸. Finance Wholesale Banking Awards 2023.

The Bank’s in-house quarterly Hindi Magazine

¤¸ÿˆÅ ˆÅú °¸¾Ÿ¸¸¢¬¸ˆÅ ¢í¿™ú Š¸¼í-œ¸¢°¸ˆÅ¸ `¢¨¸ˆÅ¸¬¸ œÏž¸¸' ˆÅ¸½ œÏ¢¬¸Ö
‘Vikas Prabha’ was conferred with the Best In-House
¬¸¸¢í¦÷¡¸ˆÅ ‡¨¸¿ ¬¸¸¿¬ˆ¼Å¢÷¸ˆÅ ¬¸¿¬˜¸¸ `‚¸©¸ú¨¸¸Ä™' ˆÅú ‚¸½£ ¬¸½ ¬¸¨¸Äª½«“
Magazine citation from ‘Aashirwad’ - a renowned
Š¸¼í-œ¸¢°¸ˆÅ¸ ˆÅ¸ ¬¸ŸŸ¸¸›¸ œÏ™¸›¸ ¢ˆÅ¡¸¸.
literary and cultural organization.

IDBI Bank was bestowed with the ‘Elite Quality

‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆÅ¸½ ¸½.œ¸ú. Ÿ¸¸ÁŠ¸Ä›¸ ׸£¸ ‚Ÿ¸½¢£ˆÅú ”¸Á¥¸£ ¬¸Ÿ¸¸©¸¸½š¸›¸
Recognition Award 2023’ under the Straight Through
ˆ½Å ¢¥¸‡ ¬’ï½’ ˜Ï» œÏ¸½¬¸½¢¬¸¿Š¸ (‡¬¸’úœ¸ú) ª½µ¸ú ˆ½Å ‚¿÷¸Š¸Ä÷¸ `‡¥¸ú’
Processing (STP) category for US Dollar Clearing by
ƨ¸¸¢¥¸’ú ¢£ˆÅ¸Á¦Š›¸©¸›¸ ‚¨¸¸”Ä 2023' ¬¸½ ¬¸ŸŸ¸¸¢›¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸.
J. P. Morgan.

¤¸ÿˆÅ ˆÅ¸½ ‡¬¸¸½¸¾Ÿ¸ ˆÅú 18¨¸ú¿ ¨¸¸¢«¸ÄˆÅ ¬¸¢Ÿ¸’ ‡¿” ‚¨¸¸”ì¸Ä Ÿ¸Ê `¤¸½¬’ The Bank was declared winner for the 'Best Digital
¢”¢¸’¥¸ ƒ¢›¸¢©¸‡¢’¨¸' ˆ½Å ¢¥¸‡ ¢¨¸¸½÷¸¸ ÷¸˜¸¸ `¤¸½¬’ ¢£¬ˆÅ ‡¿” Initiatives' and runner up for the 'Best Risk & Cyber
¬¸¸ƒ¤¸£ ¢¬¸Æ¡¸»¢£’ú ƒ¢›¸¢©¸‡¢’¨¸' ‚¸¾£ `¤¸½¬’ œÏ¸½”Æ’/ ¬¸¢¨¸Ä¬¸ Security Initiatives' and 'Best Product/Service Innovation'
ƒ››¸¸½¨¸½©¸›¸' ˆ½Å ¢¥¸‡ „œ¸ ¢¨¸¸½÷¸¸ ‹¸¸½¢«¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸. at the ASSOCHAM 18th Annual Summit and Awards.

xxvi Friendship That

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‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ›¸½ ›¡¸»¸½›¸ ¬¸¸ÁÉ’¨¸½¡¸£ ’½Æ›¸¸½¥¸¸Á¸ú¸ ׸£¸ IDBI Bank won the ‘Outstanding Implementation’
‚¸¡¸¸½¢¸÷¸ ‡ˆÅŸ¸ 2023 Ÿ¸Ê ›¡¸» ‚¸ƒÄ-‡¬°¸¸ Ÿ¸¸Á”ḻ¥¸ ˆ½Å ¢¥¸‡ Award under the category of new technological
ˆÅ¸£¸½¤¸¸£ Ÿ¸Ê ›¸‡ ÷¸ˆÅ›¸úˆÅú ¢¨¸ˆÅ¸¬¸ ˆÅú ª½µ¸ú ˆ½Å ‚¿÷¸Š¸Ä÷¸ `„÷ˆ¼Å«’ development in Business, for the new i-Astra
ˆÅ¸¡¸¸Ä›¨¸¡¸›¸' œ¸º£¬ˆÅ¸£ ¸ú÷¸¸. module at EkAM 2023, hosted by Newgen Software
Technologies.

IDBI Bank received multiple Awards for the Cash

‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆÅ¸½ ›¸ˆÅ™ú œÏ¤¸¿š¸›¸ ¬¸½¨¸¸ ‡œ¥¸úˆ½Å©¸›¸ - ‡ûŬ¸ú‡Ÿ¸
Management Services application - FCM 4.6 viz.
4.6 ˆ½Å ¢¥¸‡ ˆÅƒÄ œ¸º£¬ˆÅ¸£ œÏ¸œ÷¸ íº‡, ¸¾¬¸½-
ž¸¸£÷¸ ¤¸ú‡ûҬ¸‚¸ƒÄ ¥¸ú”£¢©¸œ¸ ¬¸¢Ÿ¸’ ‡¿” ‚¨¸¸”ì¸Ä ˆ½Å ‘Best Wholesale Banking Digital Solution of the Year’,
÷¸ú¬¸£½ ¬¸¿¬ˆÅ£µ¸ Ÿ¸Ê `¤¸½¬’ í¸½¥¸¬¸½¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¢”¢¸’¥¸ ¬¸¸½¥¡¸º©¸›¸ at the 3rd Edition of the Bharat BFSI Leadership
‚¸ÁûÅ ™ ƒÄ¡¸£'. Summit & Awards.

™»¬¸£½ ¤¸ú‡ûҬ¸‚¸ƒÄ ƒ›¸¸½¨¸½©¸›¸ ˆÅ¸Á›û½ÅƬ¸ ‡¿” ‚¨¸¸”ì¸Ä 2024 ‘Outstanding Digital Payments Solution Provider
Ÿ¸Ê `‚¸„’¬’Ê¢”¿Š¸ ¢”¢¸’¥¸ œ¸½Ÿ¸Ê’ ¬¸¸½¥¡¸º©¸›¸ œÏ¸½¨¸¸ƒ”£ ‚¸ÁûÅ of the Year’, at the 2nd BFSI Innovation Confex &
™ ƒÄ¡¸£'. Awards 2024

¸¸¾˜¸½ ¤¸ú‡ûҬ¸‚¸ƒÄ ‚¸¾£ ¢ûÅ›¸’½ˆÅ ˆÅ¸Á›Æ¥¸½¨¸ ‡¿” ‚¨¸¸”ì¸Ä ‘Innovative Initiative in Digital Customer Experience
2023 Ÿ¸Ê `ƒ››¸¸½¨¸½¢’¨¸ ƒ¢›¸¢¬¸‡¢’¨¸ ƒ›¸ ¢”¢¸’¥¸ ˆÅ¬’Ÿ¸£ & Engagement’, at the 4th BFSI & Fintech Conclave
‡Æ¬¸œ¸ú¢£‡›¬¸ ‡¿” ƒ¿Š¸½¸Ÿ¸Ê’'. & Awards 2023.

‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆÅ¸½ ’ú¡¸» ¢¬¸¢¤¸¥¸ ‡¨¸¿ ‚¸ƒÄ¤¸ú‡ ¬¸ŸŸ¸½¥¸›¸ Ÿ¸Ê IDBI Bank was bestowed with the ‘Industry Best Data
„œ¸ž¸¸½Æ÷¸¸ ‡¨¸¿ ¨¸¸¢µ¸¦¡¸ˆÅ ¤¡¸»£¸½ ™¸½›¸¸Ê ˆ½Å ¢¥¸‡ `ƒ¿”¬’ïú ¤¸½¬’ ”¸’¸ Quality Index (DQI)’ Award for both Consumer and
ƨ¸¸¢¥¸’ú ƒ¿”½Æ¬¸ (”úÆ¡¸»‚¸ƒÄ)' œ¸º£¬ˆÅ¸£ ¬¸½ ¬¸ŸŸ¸¸¢›¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸. Commercial bureau at the TU CIBIL & IBA Conference.

‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ›¸½ š¸›¸Ÿ¸ ¤¸ú‡ûҬ¸‚¸ƒÄ ¬¸¢Ÿ¸’ ‡¿” ‚¨¸¸”ì¸Ä IDBI Bank won the ‘Dhanam Private Sector Bank of
›¸¸ƒ’ 2024 Ÿ¸Ê `š¸›¸Ÿ¸ œÏ¸ƒ¨¸½’ ¬¸½Æ’£ ¤¸ÿˆÅ ‚¸ÁûÅ ™ ƒÄ¡¸£ 2023' the Year 2023’ Award at the Dhanam BFSI Summit
œ¸º£¬ˆÅ¸£ ¸ú÷¸¸. and Award Nite 2024.

IDBI Bank was ranked 5th globally among Banks

ûŸƒ›¸ÿ¢©¸¡¸¥¸ ¤Ï¸¿” ׸£¸ œÏˆÅ¸¢©¸÷¸ `¬¸¸½©¸¥¸ Ÿ¸ú¢”¡¸¸ œ¸¸¨¸£ 100' Ÿ¸Ê
in the ’Social Media Power 100’ published by The
‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¨¸¾¢æ¸ˆÅ ¬÷¸£ œ¸£ 5¨¸Ê ¬˜¸¸›¸ œ¸£ £í¸.
Financial Brand.

dm{f©H$ [anmoQ>© Annual Report 2023-24 xxvii

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\nadeSaka/e kI \rpaaeoQ
Directors' Report

dm{f©H$ [anmoQ>© Annual Report 2023-24 1

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ˆ½Å ¬¸¸˜¸ ‚œ¸½®¸¸ˆ¼Å÷¸ ‚¢š¸ˆÅ ‡ˆÅúˆÅ£µ¸, ˆºÅ©¸¥¸ ˆÅ¸¡¸Ä¤¸¥¸, ¤¸”õ½ ‚¸¾£ ¤¸õ÷¸½ ‹¸£½¥¸»
¤¸¸{¸¸£, Ÿ¸¸¤¸»÷¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ®¸½°¸ ‚¸¾£ ‚˜¸Ä¨¡¸¨¸¬˜¸¸ Ÿ¸Ê ‚¸¾œ¸¸¸¢£ˆÅ÷¸¸ ˆÅú ‚¢š¸ˆÅ ¢¨¸î¸ú¡¸ ¢¨¸©¸½«¸÷¸¸‡¿
Ÿ¸¸°¸¸ ¸¾¬¸½ ˆÅ¸£ˆÅ¸Ê ›¸½ ‚›¡¸ ¤¸¸÷¸¸Ê ˆ½Å ¬¸¸˜¸-¬¸¸˜¸ ‹¸£½¥¸» ¢¨¸ˆÅ¸¬¸ ˆÅú Š¸¢÷¸ ˆÅ¸½ ¤¸õ¸›¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆÅú ˆºÅ¥¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ ‚¸¾£ ‚¢ŠÏŸ¸ ÇÅŸ¸©¸À
Ÿ¸Ê ¡¸¸½Š¸™¸›¸ ¢™¡¸¸ í¾. ` 2,77,657 ˆÅ£¸½”õ ÷¸˜¸¸ ` 1,88,621 ˆÅ£¸½”õ í¸½ Š¸¡¸½. ¬¸Ÿ¸ú®¸¸š¸ú›¸ ‚¨¸¢š¸
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¸ÇÅ Ÿ¸Ê „Ž¸¥¸ ˆÅ¸ ¬¸Ÿ¸˜¸Ä›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‚Žú ¦¬˜¸¢÷¸ Ÿ¸Ê í¾. ‚œ¸½®¸¸ˆ¼Å÷¸ ¬¸º´õ Ÿ¸Ê ™ú Š¸ƒÄ íÿÀ

œÏŸ¸º‰¸ ¢¨¸î¸ú¡¸ ¢¨¸©¸½«¸÷¸¸‡¿ (` ˆÅ£¸½”õ Ÿ¸½¿)

31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½
œ¸»¿¸ú 10,752 10,752
¢£{¸¨¸Ä ‚¸¾£ ‚¢š¸©¸½«¸ 34,566 39,129
¸Ÿ¸¸£¸¢©¸¡¸¸¿ 2,55,490 2,77,657
„š¸¸£ £¸¢©¸¡¸¸¿ 12,638 17,083
‚›¡¸ ™½¡¸÷¸¸‡¿ ‚¸¾£ œÏ¸¨¸š¸¸›¸ 17,056 18,569
ˆºÅ¥¸ ™½¡¸÷¸¸‡¿ 3,30,502 3,63,190
›¸ˆÅ™ú ‚¸¾£ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ©¸½«¸ 16,639 13,991
¤¸ÿˆÅ¸Ê ˆ½Å œ¸¸¬¸ ©¸½«¸ ‚¸¾£ Ÿ¸¸¿Š¸ ‡¨¸¿ ‚¥œ¸ ¬¸»¸›¸¸ œ¸£ œÏ¢÷¸™½¡¸ £¸¢©¸ 12,541 11,942
¢›¸¨¸½©¸ 99,690 1,14,934
‚¢ŠÏŸ¸ 1,62,568 1,88,621
¬˜¸¸¡¸ú ‚¸¾£ ‚›¡¸ ‚¸¦¬÷¸¡¸¸¿ 39,064 33,702
ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸¿ 3,30,502 3,63,190

ƒ¬¸ ‚¨¸¢š¸ Ÿ¸Ê 2022-23 2023-24

ˆºÅ¥¸ ‚¸¡¸ 24,942 30,037
ˆºÅ¥¸ ¨¡¸¡¸ (œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸½ Ž¸½”õˆÅ£) 16,206 20,445
œÏ¸¨¸š¸¸›¸ (ˆÅ£ ˆÅ¸½ Ž¸½”õˆÅ£) 3,498 1,397
ˆÅ£ œ¸»¨¸Ä ¥¸¸ž¸/ (í¸¢›¸) 5,238 8,195
ˆÅ£ ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ 1,593 2,561
ˆÅ£ œ¸ä¸¸÷¸Ã ¥¸¸ž¸/ (í¸¢›¸) 3,645 5,634

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¬¸Ÿ¸ú®¸¸š¸ú›¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆÅú ˆºÅ¥¸ ‚¸¡¸ ` 30,037 ˆÅ£¸½”õ £íú, œÏ¢÷¸ ©¸½¡¸£ ¤¸íú Ÿ¸»¥¡¸ [‚Ÿ¸»÷¸Ä ‚¸¦¬÷¸¡¸¸Ê ‚¸¾£ ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ (”ú’ú‡)
¢¸¬¸Ÿ¸Ê ` 26,426 ˆÅ£¸½”õ ˆÅú ¤¡¸¸¸ ‚¸¡¸ ‚¸¾£ ` 3,611 ˆÅ£¸½”õ ˆÅú ‚›¡¸ ‚¸¡¸ ˆÅ¸½ Ž¸½”õˆÅ£] ` 30.55 £í¸.
©¸¸¢Ÿ¸¥¸ í¾. ` 20,445 ˆÅ£¸½”õ ˆ½Å ˆºÅ¥¸ ¨¡¸¡¸ (œÏ¸¨¸š¸¸›¸¸Ê ‡¨¸¿ ‚¸ˆÅ¦¬Ÿ¸ˆÅ÷¸¸‚¸Ê ˆÅ¸½
Ž¸½”õˆÅ£) Ÿ¸Ê ¤¡¸¸¸ ¨¡¸¡¸ ` 12,240 ˆÅ£¸½”õ ‚¸¾£ œ¸¢£¸¸¥¸›¸Š¸÷¸ ¨¡¸¡¸ ` 8,205 ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ›¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆ½Å
ˆÅ£¸½”õ £í¸. œÏ÷¡¸½ˆÅ ` 10 ˆ½Å ‚¿¢ˆÅ÷¸ Ÿ¸»¥¡¸ ˆ½Å ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê œ¸£ `1.50 ˆ½Å ¥¸¸ž¸¸¿©¸ ˆÅú
¢¬¸ûŸ¢£©¸ ˆÅú í¾ ¸¸½ 20¨¸ú¿ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆ½Å ‚›¸ºŸ¸¸½™›¸ ˆ½Å
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ›¸½ ` 5,634 ˆÅ£¸½”õ ˆÅ¸ ¢›¸¨¸¥¸ ¥¸¸ž¸ ‚¢¸Ä÷¸ ¢ˆÅ¡¸¸. ¸í¸¿ ¨¸«¸Ä ‚š¸ú›¸ í¾.
ˆ½Å ™¸¾£¸›¸ œÏ¢÷¸ ©¸½¡¸£ ‚¸Ä›¸ (ƒÄœ¸ú‡¬¸) ` 5.24 £í¸, ¨¸íú¿ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸Ê ‚¸¾£ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ ˆ½Å ˆÅ¸¡¸Ä-¢›¸«œ¸¸™›¸
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Ÿ¸»¥¸À ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸. 97.37% 49,882 97.34% 5,634
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1. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄΓ¸ ‡¿” ¢¬¸Æ¡¸º¢£’ú¸ ¢¥¸. 0.66% 337 0.13% 7
2. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ƒ¿’½ˆÅ ¢¥¸. 0.23% 118 0.18% 10
3. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¬¸½’ Ÿ¸¾›¸¸Ÿ¸Ê’ ¢¥¸. 0.42% 215 1.39% 81
4. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‡Ÿ¸‡ûÅ ’﬒ú ˆ¿Åœ¸›¸ú ¢¥¸. 0.00% 2 0.00% (0.08)
5. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’﬒ú¢©¸œ¸ ¬¸¢¨¸Ä¬¸½¸ ¢¥¸. 0.66% 337 0.99% 57
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3. œ¸»¨¸¸½Ä ¢¨¸ˆÅ¸¬¸ ¢¨¸î¸ ¢›¸Š¸Ÿ¸ ¢¥¸. ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿ 0.00% -
4. œ¸¸Á¦µ”¸½£ú ƒ¿”¦¬’¥¸ œÏŸ¸¸½©¸›¸ ”½¨¸¥¸œ¸Ÿ¸Ê’ ‡¿” ƒ›¨¸½¬’Ÿ¸Ê’ ˆÅ¸Áœ¸¸½Ä£½©¸›¸ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
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1. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ û½Å”£¥¸ ¥¸¸ƒûÅ ƒ¿©¡¸¸½£Ê¬¸ ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” 0.00% - 0.00% -
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ˆºÅ¥¸ 99.64% 51,044 100.46% 5,815
¢¨¸¥¸¸½œ¸›¸ 0.36% 182 (0.46%) (27)
¢›¸¨¸¥¸ ˆºÅ¥¸ 100.00% 51,226 100.00% 5,788
¢’œœ¸µ¸úÀ „œ¸¡¸ºÄÆ÷¸ ¢ˆÅ¬¸ú ž¸ú ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸¢›¸¡¸¸Ê ˆÅú ˆÅ¸½ƒÄ ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸›¸ú ›¸íú¿ í¾.
# œ¸ú‚¸ƒÄœ¸ú”ú‚¸ƒÄ¬¸ú‡¥¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê, ¤¸ÿˆÅ ˆÅ¸½ ˆ¿Åœ¸›¸ú ¬¸½ ˆÅ¸½ƒÄ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ‡¨¸¿ ¥¸½›¸™½›¸¸Ê ˆÅ¸ ¤¡¸¸½£¸ œÏ¸œ÷¸ ›¸íú¿ íº‚¸ í¾, ƒ¬¸¢¥¸‡ „œ¸£¸½Æ÷¸ ÷¸¸¢¥¸ˆÅ¸ Ÿ¸Ê ¸¸›¸ˆÅ¸£ú ¬¸Ÿ¸½¢ˆÅ÷¸ ›¸íú¿ ˆÅú Š¸ƒÄ í¾. ¤¸ÿˆÅ ›¸½
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dm{f©H$ [anmoQ>© Annual Report 2023-24 3

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Ÿ¸í÷¨¸œ¸»µ¸Ä œ¸¢£¨¸÷¸Ä›¸ ‚¸¾£ œÏ¢÷¸¤¸Ö÷¸¸‡¿, ¡¸¢™ ˆÅ¸½ƒÄ í¸Ê, ¸¸½ ¢¨¸î¸ú¡¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê 25% ¡¸¸ ‚¢š¸ˆÅ ¤¸™¥¸¸¨¸) ˆÅ¸ ¢¨¸¨¸£µ¸
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÷¸¸£ú‰¸ ˆ½Å ¤¸ú¸ ¤¸ÿˆÅ ˆÅú ¢¨¸î¸ú¡¸ ¦¬˜¸¢÷¸ ˆÅ¸½ œÏž¸¸¢¨¸÷¸ ˆÅ£›¸½ ¨¸¸¥¸½ ˆÅ¸½ƒÄ Ÿ¸í÷¨¸œ¸»µ¸Ä œÏ¢÷¸¥¸¸ž¸ ` 3,645 ˆÅ£¸½”õ ˆ½Å ¢›¸¨¸¥¸
¥¸¸ž¸ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê ¢¨¸î¸ú¡¸
œ¸¢£¨¸÷¸Ä›¸ ‚¸¾£ œÏ¢÷¸¤¸Ö÷¸¸‡Â ›¸íú¿ ˜¸ú¿. ¨¸«¸Ä 2023-24 Ÿ¸Ê `
5,634 ˆÅ£¸½”õ ˆÅ¸ ¢›¸¨¸¥¸
¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú ¥¸¸ž¸ íº‚¸ í¾.
œ¸¡¸¸Äœ÷¸÷¸¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¢¨¸¨¸£µ¸ ¢›¸¨¸¥¸ ‡›¸œ¸ú‡ 0.92% 0.34% ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23
‚›¸ºœ¸¸÷¸ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê ¢¨¸î¸ú¡¸ ¨¸«¸Ä
ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 143(3)(i) ˆ½Å ‚›¸º¬¸¸£ ¬¸¸¿¢¨¸¢š¸ˆÅ ¥¸½‰¸¸ 2023-24 Ÿ¸Ê ¢›¸¨¸¥¸
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Ÿ¸Ê Æ¡¸¸ ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ¬¸Ÿ¸º¢¸÷¸ ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸ (‚¸ƒÄ‡ûŬ¸ú) œÏµ¸¸¥¸ú ˆÅú ˆÅŸ¸ú ‚¸ƒÄ ‚¸¾£ ¢›¸¨¸¥¸
‚¢ŠÏŸ¸¸Ê Ÿ¸Ê ` 26,053
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dm{f©H$ [anmoQ>© Annual Report 2023-24 5

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ˆ½Å œÏ¤¸¿š¸ ¢¨¸¨¸½¸›¸¸ ‡¨¸¿ ¢¨¸©¥¸½«¸µ¸ ‰¸¿” Ÿ¸Ê ¢™¡¸¸ Š¸¡¸¸ í¾. ˆÅ¸Á£œ¸¸½£½’ ‚¢ž¸©¸¸¬¸›¸
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Š¸¡¸¸ í¾.
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dm{f©H$ [anmoQ>© Annual Report 2023-24 7

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ˆ½Å ¢¥¸‡ ˆºÅ¥¸ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¨¡¸¡¸ ` 72.99 ˆÅ£¸½”õ £í¸. ˆÅ£÷¸¸ í¾.
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¢™›¸¸¿ˆÅÀ 30 Ÿ¸ƒÄ 2024

8 Friendship That
Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

Directors’ Report

Your Bank’s Board of Directors is pleased to present the upswing in the business cycle. Aided by healthier balance
Report on the Bank’s business and operations for the financial sheets and well-capitalised positions, the banks supported
year ended March 31, 2024. the credit expansion that had an accelerator effect in the
The global growth remained generally resilient in 2023. economy. During the year, the Reserve Bank of India (RBI)
Favourable demand and supply factors supported growth maintained a status quo on its policy rates. The moderate
in the major economies, countering the impact of multiple inflationary pressures, coupled with healthy growth, provided
shocks as well as of monetary tightening. India continued to the headroom to the RBI to maintain a pause in its policy
be one of the fastest growing major economies and posted rates and also maintain an actively disinflationary policy
healthy growth of 8.2% in FY 2023-24. The continued stance to ensure anchoring of inflation expectations and
resilience displayed by India has led to its emergence as a fuller transmission of policy rate hikes. The pause in the
significant economic power, with it contributing to around policy rate hikes ensured that the interest rates remained
16% to the global growth in 2023. India’s efforts to maintain supportive of the growth conditions with robust investment
macroeconomic stability and enact structural reforms have and consumption demand leading to double-digit growth in
largely contributed to its economic resilience in the face of bank credit. The credit growth was also supported by healthy
global challenges. Factors such as expanding infrastructure double-digit growth in deposits, which regained favour as a
capacity, revival in investment cycle, rapid growth in digital lucrative investment option, especially among the risk-averse
economy, greater integration with global trade flows, skilled investors, on the back of higher interest rates.
workforce, large & growing domestic market, strong banking FINANCIAL HIGHLIGHTS
sector and greater degree of formalisation in the economy
As on March 31, 2024, your Bank’s aggregate deposits
have, inter alia, contributed in supporting the domestic
and advances touched ` 2,77,657 crore and ` 1,88,621
growth momentum.
crore, respectively. Your Bank’s business highlights for
The banking sector, which is often cited as the backbone of the period under review are presented in the following
the Indian economy, has been well-positioned to support the table:

Key Financials
(` in crore)
As on As on
March 31, 2023 March 31, 2024
Capital 10,752 10,752
Reserves & Surplus 34,566 39,129
Deposits 2,55,490 2,77,657
Borrowings 12,638 17,083
Other Liabilities & Provisions 17,056 18,569
Total Liabilities 3,30,502 3,63,190
Cash & Balances with RBI 16,639 13,991
Balances with Banks & Money at Call & Short Notice 12,541 11,942
Investments 99,690 1,14,934
Advances 1,62,568 1,88,621
Fixed & Other Assets 39,064 33,702
Total Assets 3,30,502 3,63,190

For the period 2022-23 2023-24

Total Income 24,942 30,037
Total Expenses (other than provisions) 16,206 20,445
Provisions (other than tax) 3,498 1,397
Profit/ (Loss) Before Tax 5,238 8,195
Provision for Tax 1,593 2,561
Profit/ (Loss) After Tax 3,645 5,634

dm{f©H$ [anmoQ>© Annual Report 2023-24 9

Directors’ Report

During the year under review, your Bank’s total income ` 5.24, the Book Value per Share (excluding intangible assets
amounted to ` 30,037 crore, comprising interest income of and Deferred Tax Asset (DTA)) stood at ` 30.55 as at March
` 26,426 crore and other income of ` 3,611 crore. Interest 31, 2024.
expenses stood at ` 12,240 crore and operational expenses The Board of Directors have recommended a dividend of
at ` 8,205 crore, accounting for total expenditure (excluding ` 1.50 per equity share of face value of ` 10 each of the
provisions and contingencies) of ` 20,445 crore. Bank for the financial year ended March 31, 2024, subject
During the year, the Bank earned net profit of ` 5,634 crore. to approval of the shareholders at the 20th Annual General
While the Earnings per Share (EPS) during the year was Meeting.

REPORT ON THE PERFORMANCE AND FINANCIAL POSITION OF SUBSIDIARIES AND JOINT VENTURE
INCLUDED IN THE CONSOLIDATED FINANCIAL STATEMENT AS ON MARCH 31, 2024

Net Assets i.e. total assets Share on profit or loss

minus total liabilities
Name of the Entity As % of Amount As % of Amount
consolidated (` in crore) consolidated (` in crore)
net assets profit or loss
Parent : IDBI Bank Ltd. 97.37% 49,882 97.34% 5,634
Subsidiaries
Indian :
1. IDBI Capital Markets & Securities Ltd. 0.66% 337 0.13% 7
2. IDBI Intech Ltd. 0.23% 118 0.18% 10
3. IDBI Asset Management Ltd. 0.42% 215 1.39% 81
4. IDBI MF Trustee Co. Ltd. 0.00% 2 0.00% (0.08)
5. IDBI Trusteeship Services Ltd. 0.66% 337 0.99% 57
Foreign: NA NA NA NA
Minority Interest in all Subsidiaries 0.30% 153 0.45% 26
Associates (Investment as per the equity method) #

Indian:
1. Biotech Consortium India Ltd. NA NA 0.00% -
2. National Securities Depository Ltd. NA NA 0.88% 51
3. North Eastern Development Finance Corporation Ltd. NA NA 0.00% -
4. Pondicherry Industrial Promotion Development & NA NA NA NA
Investment Corporation Ltd. (PIPDICL)
Foreign: NA NA NA NA
Joint Ventures (as per proportionate consolidation/ investment
as per the equity method)
Indian:
1. IDBI Federal Life Insurance Company Ltd. 0.00% - 0.00% -
Foreign: NA NA NA NA
Total 99.64% 51,044 100.46% 5,815
Elimination 0.36% 182 (0.46%) (27)
Net Total 100.00% 51,226 100.00% 5,788
Note: None of the above subsidiaries have any subsidiary.
# - In respect of PIPDICL, the Bank has not received any financial statements & transaction details from the company and hence, information is not consolidated
in the above table. The Bank has written down investment in PIPDICL to Rupee One.

10 Friendship That
Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

MATERIAL CHANGES AND COMMITMENTS, IF DETAILS OF SIGNIFICANT CHANGES (I.E.

ANY, AFFECTING FINANCIAL POSITION OF IDBI CHANGE OF 25% OR MORE AS COMPARED TO
BANK WHICH HAVE OCCURRED DURING THE THE IMMEDIATE PREVIOUS FINANCIAL YEAR)
END OF FINANCIAL YEAR AND THE DATE OF IN KEY FINANCIAL RATIOS, ALONG WITH A
BOARD REPORT DETAILED EXPLANATION THEREOF

There were no material changes and commitments affecting Particulars FY 2022-23 FY 2023-24 Comments
the financial position of the Bank, which occurred between Return on 1.20% 1.65% Net profit for
the end of the financial year, i.e. March 31, 2024 and the date Assets FY 2023-24 is
of the Directors’ Report. ` 5,634 crore as
compared to net
THE DETAILS IN RESPECT OF ADEQUACY profit of ` 3,645
OF INTERNAL FINANCIAL CONTROLS crore in FY 2022-23.
WITH REFERENCE TO THE FINANCIAL Net NPA 0.92% 0.34% Net NPA decreased
STATEMENTS ratio by ` 851 crore
and Net Advances
According to Section 143(3) (i) of the Companies Act 2013, increased by
the report of the Statutory Auditors should state whether ` 26,053 crore in
the Bank has adequate Internal Financial Controls (IFCs) FY 2023-24 over
FY 2022-23.
system in place and what is the operating effectiveness of
such controls in the context of the financial statements. The Gross NPA 6.38% 4.53% The Bank’s Gross
IFCs, as referred to in Section 143(3) (i) of the Companies Act, Ratio NPA decreased by
` 2,052 crore and
relate to Internal Financial Controls Over Financial Reporting
gross advances
(IFCO-FR). The Bank’s Management is responsible for increased by
establishing and maintaining internal financial controls ` 24,852 crore in
based on the internal control over financial reporting FY 2023-24 over
criteria established by the Bank considering the essential FY 2022-23.
components of internal control stated in the Guidance Note
on Audit of IFCO-FR issued by the Institute of Chartered CAPITAL ADEQUACY
Accountants of India (ICAI). These responsibilities include
In adherence to the Pillar 1 guidelines of the RBI under
design, implementation and maintenance of adequate
Basel III framework, your Bank computes regulatory capital
internal financial controls that were operating effectively for requirement for credit, market and operational risks on a
ensuring the orderly and efficient conduct of its business, monthly basis. In addition to maintaining the minimum Capital
including adherence to the Bank’s policies, safeguarding of to Risk-weighted Assets Ratio (CRAR), banks in India are
its assets, prevention and detection of frauds and errors, mandated to maintain the Capital Conservation Buffer (CCB)
accuracy and completeness of the accounting records and of 2.50%. Accordingly, your Bank’s ‘Total Capital + CCB’ ratio
timely preparation of reliable financial information, as required was 22.26% as on March 31, 2024 as against the regulatory
under the Companies Act, 2013, the Banking Regulation requirement of 11.50%. Similarly, your Bank’s ‘Common
Act, 1949 and the guidelines issued by the RBI. Your Bank Equity Tier 1 (CET1) + CCB’ ratio was 20.11% as against the
has put in place an IFCO-FR framework for evaluation of regulatory requirement of 8.00%. Your Bank’s ‘Tier 1 + CCB’
ratio stood at 20.11% as on March 31, 2024 as against the
the existing internal financial controls system and appointed
regulatory requirement of 9.50%. Your Bank’s Leverage Ratio
a consultant for validating the compliances with respect
was 8.53% as on March 31, 2024 as against the minimum
to the documentation, certification, reporting process of regulatory requirement of 3.50%.
the controls across all business verticals/ departments
and ascertaining the adequacy and effectiveness of the BUSINESS STRATEGY
controls in the Bank in all material respects with respect to Capitalising on opportunities and navigating challenges,
financial reporting. During FY 2023-24, the consultant has your Bank continued to operate along a strategic business
submitted the Internal Compliance Certificate for the quarters plan that led to significant improvements in financial and
ended June 2023, September 2023, December 2023 and operational health. The core focus remained on profitable
March 2024 after carrying out testing and validation of business growth, a strong balance sheet and healthy capital.
all the underlying processes as per the Bank’s IFCO-FR To cater to the growing credit demand, low-cost deposits, viz.
framework. Current Account & Savings Account (CASA) deposits, were

dm{f©H$ [anmoQ>© Annual Report 2023-24 11

Directors’ Report

actively built, supplemented by retail term deposits as well Your Bank aims to provide a secure, seamless and
as bulk deposits. Focussing on maintaining a granular and convenient banking platform to its customers by deploying
well-diversified asset portfolio, the Bank continued to prioritise the best digital experience, technology standards, processes
lending to Retail, Agriculture & MSME (RAM) segment and procedures. Towards this end, your Bank has been
while also selectively lending to well-rated corporates. The scaling up investment in technology in order to further
Bank continued to benefit in terms of business growth and broad-base its digital offerings. Additionally, your Bank has
fee income from the business synergies arising from its been strengthening its digital infrastructure and equipping
association with Life Insurance Corporation of India (LIC). itself with latest analytical tools and technology in order to
This helped the Bank to maintain its Cost of Deposits and enable it to analyse and summarise customer data, to further
Cost of Funds at competitive levels. On the assets front, enhance customer experience, to streamline its operations
your Bank continued to emphasise on controlling fresh and to drive innovation to meet the evolving needs of the
slippages as also on recovery and upgradation efforts to digital world.
reduce the delinquency in its asset portfolio. Continued As a retail-focussed bank, your Bank has been catering to
improvement in its asset quality helped the Bank to maintain the customers in the Retail, Agriculture and MSME (RAM)
its Net Interest Margin (NIM) at a healthy level. The Bank’s segment by offering an entire bouquet of products and
customer-centric initiatives prioritised convenience and services to meet their specific requirements. Your Bank offers
accessibility with expanded branch network and enhanced a wide range of products and services, viz. deposit products,
digital functionalities to provide seamless multi-channel loan products, credit cards, NRI services, among others, to
experience with the aim of customer delight. Your Bank’s its retail customers. Your Bank also contributes significantly
financial offerings are periodically reviewed and refreshed towards lending to the priority sectors by extending credit to
to meet the evolving customer needs and preferences. For Agriculture and Micro Small & Medium Enterprises (MSME)
sustaining the profitable growth, the Bank endeavoured sectors. Your Bank has also been leveraging its Business
to instil a robust risk and compliance culture across the Correspondent (BC)/ Business Facilitator (BF) network to
organisation by encouraging best practices among the entire expand its reach to unserved and underserved sections of
workforce. The Bank remains committed to the highest the society. Your Bank has been proactive in furthering the
corporate governance standards, promoting fairness, ethics objective of financial inclusion by ensuring access to financial
and transparency to retain stakeholder trust and become the products and services to the vulnerable sections of the
most trusted and preferred bank. society at affordable cost in a fair and transparent manner.
Furthermore, your Bank has been conducting various
KEY BUSINESS INITIATIVES outreach programmes to spread awareness among people
Your Bank has adopted a customer-first approach with its about various banking products, thereby enhancing financial
business strategy centred around meeting the changing literacy.
customer needs and preferences and creating delightful Your Bank is also exploring viable financing opportunities
experiences with excellent service. Your Bank is leveraging to well-rated corporates to augment its corporate loan
its scalable hybrid delivery model, viz. its physical touchpoints book in a selective, calibrated and risk-contained manner.
of 2,004 branches and 3,303 ATMs and its digital channels Your Bank continues to focus on fresh acquisition of
to connect with its customers spread across the country. In well-rated corporate accounts as well as deepening its existing
addition to an entire gamut of traditional banking products business. Furthermore, the Bank has been targeting growth
and services, your Bank also offers customised and innovative in interest and fee income through focussed improvement
banking and financial solutions to its customers. Furthermore, in utilisation of sanctioned fund-based and non-fund based
in accordance with the emerging business landscape and limits and cross-selling.
evolving customer preferences, your Bank also fine-tuned Your Bank, while augmenting its loan book, is also focussing
its existing bouquet of products and services as also its on maintaining its asset quality by closely monitoring
business processes, in order to stay relevant with changing accounts to minimise fresh slippages. Simultaneously, your
times. Bank has also been endeavouring to upgrade or implement
Your Bank provides a wide range of services on a timely resolution for its stressed assets and NPA cases.
round-the-clock basis through a wide range of digital Your Bank, apart from undertaking a slew of business
channels such as Mobile Banking, Internet Banking, initiatives, has also been taking various measures such as
WhatsApp Banking, UPI, Debit Cards, Credit Cards, Point process improvement, embracing technological innovation,
of Sale (PoS) terminals (both physical and digital), Internet upgradation and improvement in its IT infrastructure, among
Payment Gateway, ATMs, etc. Your Bank, while promoting other measures, to improve its operational efficiency and
use of various digital channels, is also making concerted enhance its business potential.
efforts to increase awareness among its customers regarding The detailed description of the Bank’s initiatives undertaken
safe and secure banking practices while transacting through during the year is outlined in the Management Discussion and
digital channels. Analysis section of the Annual Report.

12 Friendship That
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Corporate Overview Statutory Reports Financial Statements

IMPACT OF COVID-19 PANDEMIC ON THE Steering Committee, Frauds Monitoring Committee,

BANK’S BUSINESS Recovery Review Committee, Risk Management Committee,
CSR & ESG Committee, Non-Cooperative Borrowers’
The COVID-19 virus, a global pandemic, affected Review Committee, Customer Service Committee, Wilful
the world’s economy over the last couple of years. Defaulters’ Review Committee and Information Technology
The extent to which COVID-19 pandemic will further Strategy Committee.
impact the Bank’s operations will depend on ongoing
as well as future developments. The management of CORPORATE GOVERNANCE
the Bank is closely monitoring the developments in this
regard. Your Bank is committed to adopt the best corporate
governance practices. The Bank believes that effective
BOARD OF DIRECTORS corporate governance is not just a requirement for regulatory
compliance, but also a facilitator for excellence in governance
Your Bank’s Board of Directors is broad-based and its including enhancement of stakeholders’ value. The details of
constitution is governed by the provisions of the Banking your Bank’s corporate governance practices are given in this
Regulation Act, 1949, guidelines issued by the Reserve Annual Report as a separate section under the Corporate
Bank of India (RBI), the Companies Act, 2013, Securities & Governance Report.
Exchange Board of India (Listing Obligations and Disclosure
Requirements) Regulations, 2015 [SEBI (LODR) Regulations] BUSINESS RESPONSIBILITY & SUSTAINABILITY
and the Articles of Association of the Bank. The Board REPORT
functions directly as well as through various Board-level
committees which have been constituted to provide focussed With effect from FY 2022-23, SEBI has mandated the top
governance in the important functional areas of the Bank. As one thousand listed entities based on market capitalisation to
per the Articles of Association, the Board of Directors shall not submit Business Responsibility & Sustainability Report (BRSR)
be less than three and more than fifteen members consisting in the format as specified under SEBI (LODR) Regulations.
of a Chairman, a Managing Director and Chief Executive The BRSR is intended towards having quantitative and
Officer (MD & CEO), two Deputy Managing Directors (DMDs), standardised disclosures on ESG (Environment, Social and
two Nominee Directors of LIC, two Nominee Directors of Governance) parameters to enable comparability across
Government of India (GoI) and eight Independent Directors companies, sectors and time. In compliance with the SEBI
(including the Chairman and one Woman Independent norms, the Bank’s BRSR for FY 2023-24 has been prepared
Director). as per the prescribed format and is included as a part of
the Annual Report as a separate section, viz. Business
As on March 31, 2024, the Board comprised fourteen Responsibility & Sustainability Report and also hosted on
Directors, viz. Shri T. N. Manoharan, Independent Director & the website of the Bank (https://www.idbibank.in/business-
Part-Time Chairman, Shri Rakesh Sharma, MD & CEO and responsibility-and-sustainability-report.aspx).
Shri Jayakumar S. Pillai, DMD, as Whole Time Directors;
Shri Manoj Sahay and Shri Sushil Kumar Singh, Government STATEMENT UNDER SECTION 134 OF THE
Nominee Directors and Shri Mukesh Kumar Gupta and COMPANIES ACT, 2013 READ WITH RULE 5
Shri Raj Kumar, LIC Nominee Directors, as Non-Executive OF THE COMPANIES (APPOINTMENT AND
Directors; Shri Bhuwanchandra B. Joshi, Shri Samaresh REMUNERATION OF MANAGERIAL PERSONNEL)
Parida, Shri N. Jambunathan, Shri Deepak Singhal, Shri RULES, 2014
Sanjay Gokuldas Kallapur, Smt. P. V. Bharathi and Shri Ajay
Prakash Sawhney as Independent Directors. The strength of There were three personnel in your Bank’s service, during
14 (fourteen) Directors on the Board as on March 31, 2024 the financial year under review, who received remuneration
meets the requirement provided under Article 114(a) of the of over ` 1.02 crore annually. Further, there was no personnel
Articles of Association of the Bank. in the service of the Bank for a part of the year who received
remuneration in excess of ` 8.50 lakh per month. Also, there
APEX COMMITTEES was no personnel employed throughout the financial year or
part thereof who was in receipt of remuneration at a rate,
The Board has a total of thirteen committees to oversee various which in the aggregate, was in excess of that drawn by
functional areas of your Bank’s business and operations. Managing Director & CEO or Deputy Managing Directors of
The Board committees include Audit Committee of the the Bank and who held by himself or along with his spouse
Board, Executive Committee, Nomination & Remuneration and dependent children, not less than 2% of the equity
Committee, Stakeholders’ Relationship Committee, HR shares of the Bank.

dm{f©H$ [anmoQ>© Annual Report 2023-24 13

Directors’ Report

STATEMENT UNDER RULE 5(2) OF THE COMPANIES (APPOINTMENT AND REMUNERATION OF

MANAGERIAL PERSONNEL) RULES, 2014 FOR YEAR ENDED MARCH 31, 2024 – DETAILS OF TOP TEN
EMPLOYEES
Sr. Name Designation Annual Nature of Qualifications of the Date of Experience Age of The last
No. Remuneration employment, employee commencement of the such employment
received (`)* whether of employment employee employee held by such
contractual in IDBI employee
or otherwise Bank before joining
the company
1 Shri Rakesh Sharma Managing 2,10,34,551.44 Contractual Post Graduate in 10-Oct-18 5 years & 5 65 Canara Bank
Director & Economics & CAIIB months
Chief Executive
Officer
2 Shri Suresh Deputy 1,25,85,799.42 Contractual M.Com, ICWA & 23-Jun-97 26 years & 9 60 Dena Bank
Khatanhar Managing CAIIB months
Director
3 Shri Arun Kumar Head-Treasury 1,07,50,937.55 Contractual B.Com & M.Com 15-Jun-22 1 year & 9 53 Indian Bank
Bansal months
4 Shri Om Prakash Chief 90,27,129.88 Contractual B.Tech (Electronics) 23-Jan-23 1 year & 2 50 Aditya Birla
Seth Information & MBA months Capital
Officer
5 Shri Padmabhushan Chief 72,90,538.88 Contractual Bachelor of 01-Aug-19 4 years & 7 47 State Bank of
Bahadure Technology Engineering, months India
Officer Management
Programme & Post
Graduate Diploma
6 Shri Nagaraj Garla Executive 67,84,490.40 Employee B.Com, M.Com, 17-Feb-00 24 years 54 ING Vysya
Director I.C.W.A (Inter) & Bank
M.B.A
7 Smt. Baljinder Kaur Executive 64,91,408.28 Employee B.E. & P.G.D.M 01-Jun-88 35 years & 9 58 Not Applicable
Mandal Director months
8 Shri Sunit Sarkar Executive 64,26,392.28 Employee B.Tech, Post 01-Sep-93 30 years & 6 57 ESAB India Ltd.
Director Graduate Diploma months
in Business
Management &
I.C.W.A
9 Shri Jayakumar S. Deputy 62,60,668.45 Contractual B.F.Sc & MBA 12-Jun-23 9 months 58 Canara Bank
Pillai Managing
Director
10 Shri Shalil Mukund Executive 62,50,278.94 Employee B.Tech & M.Tech 16-Oct-96 27 years & 5 55 National
Awale Director months Environmental
Engineering
Research
Institute
* - Remuneration includes basic salary, allowances, perquisites as per the Income Tax rules but excludes employer’s contribution to PF/ Pension, non-monetary perquisite tax and
accrued retirement benefits.

CONSERVATION OF ENERGY, TECHNOLOGY to switch-off all electrical gadgets/ fixtures when not in
ABSORPTION, FOREIGN EXCHANGE EARNINGS use. Furthermore, all branches and offices of the Bank
AND OUTGO have been advised to operate Air Conditioners (ACs)
at 25°-26° centigrade. Furthermore, inverter type/
a) Conservation of Energy
Variable Refrigerant Flow (VRF) energy efficient ACs are
The Bank has been taking several initiatives towards being used in some of its new branches/ Zonal Offices.
conservation of energy. New branches of the Bank The Bank is also maintaining Power Factor (PF) close
have been provided with energy efficient light fixtures to to unity through Automatic Power Factor Correction
conserve power. The Bank has installed lighting sensors (APFC) Panel in Zonal Offices and metro branches.
in cabins for automatic switching-off of the lights in The Bank has also replaced standard electrical motor
case the cabin is vacant. The Bank, wherever feasible, with energy efficient motor in Sewage Treatment Plant.
promotes use of daylight in branches to conserve All these initiatives have been undertaken as Bank’s
electricity. The Bank is also sensitising its employees contribution towards conservation of energy.

14 Friendship That
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Corporate Overview Statutory Reports Financial Statements

b) Technology Absorption DIRECTORS’ RESPONSIBILITY STATEMENT

Your Bank has been proactively evaluating and The Board of Directors, hereby, declares and confirms that:
absorbing the latest technology-based innovations a. In the preparation of the annual accounts, the applicable
which have the potential to empower its business accounting standards had been followed along with
functions, enrich its customer experience and optimise proper explanation relating to material departures;
its readiness towards opportunities and challenges of
the future. b. The Directors had selected such accounting policies
and applied them consistently and made judgements
During the year, your Bank further strengthened its and estimates that are reasonable and prudent so as
IT infrastructure with rolling-out the Software Defined to give a true and fair view of the state of affairs of the
Wide Area Network (SD-WAN) to cover all the Bank at the end of the financial year and of the profit
branches. Your Bank also upgraded its IT hardware and loss of the Bank for that period;
with latest IBM P-Series servers with high compute
and processing power. Your Bank augmented its on- c. The Directors had taken proper and sufficient care
premise Private Cloud to increase the capacity and for the maintenance of adequate accounting records
compute and to meet the increasing needs of the in accordance with the provisions of the Companies
business for just-in-time provisioning of IT resources. Act for safeguarding the assets of the Bank and for
Your Bank has also implemented bank-wide Microsoft preventing and detecting fraud and other irregularities;
365 (M365) based Collaboration and Office Productivity d. The Directors had prepared the annual accounts on a
tools. Your Bank has set up a centralised inventory going concern basis;
of IT Assets and is rolling out industry standard tools
e. The Directors had laid down internal financial controls
for IT service management and ticketing. Your Bank
to be followed by the Bank and that such internal
is also implementing Zero Trust Network Architecture
financial controls are adequate and were operating
(ZTNA) and Virtual Desktop Interface (VDI) to support
effectively; and
secured access for work from anywhere. Your Bank
has implemented Data Leakage Prevention (DLP) tool f. The Directors had devised proper systems to ensure
to safeguard data of the Bank and its customer. Your compliance with the provisions of all applicable laws
Bank has also implemented enterprise-grade Web and that such systems were adequate and operating
Application Firewall (WAF) to protect the customer effectively.
facing applications from any cyber-attacks.
ACKNOWLEDGEMENTS
Your Bank has reduced its count of physical servers
Your Bank’s Board of Directors is sincerely grateful to the
and increased adoption of virtualised and on-premise Government of India, Reserve Bank of India (RBI), Securities
private cloud setup, thereby reducing the consumption and Exchange Board of India (SEBI), all other statutory/
of energy and the related e-waste. regulatory authorities and Life Insurance Corporation of
Details of initiatives taken in the Information Technology India (LIC) for their valuable co-operation and guidance. The
Board also acknowledges with gratitude, the co-operation
ecosphere have been provided in the Management
and support received from various State Governments and
Discussion and Analysis section of the Annual Report.
other banks/ financial institutions. The Board thanks various
c) Foreign Exchange Earnings and Outgo multilateral institutions and international banks/ institutions
for their support. The Board takes this opportunity to put on
During the year, the total foreign exchange earned record its deep sense of gratitude to its loyal shareholders
by the Bank was ` 774.21 crore (excluding foreign and customers for extending their support during the year
currency cash flows in derivatives and foreign currency and looks forward to their continued association in the years
exchange transactions) and the total foreign exchange ahead. The Board appreciates the sincere and devoted
outgo was ` 72.99 crore towards the operating and services rendered by its entire staff and highly values their
capital expenditure requirements. commitment towards the Bank.

[Jayakumar S. Pillai] [Rakesh Sharma]

Deputy Managing Director Managing Director & CEO

Place: Mumbai
Date: May 30, 2024

dm{f©H$ [anmoQ>© Annual Report 2023-24 15

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dm{f©H$ [anmoQ>© Annual Report 2023-24 17

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¥¸¸ž¸¸Ê ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ‰¸¸÷¸¸ £¢í÷¸ ¨¡¸¢Æ÷¸¡¸¸Ê ˆ½Å ¢¥¸‡ ‡ˆÅ ¤¸¸÷¸ ¤¸ÿˆÅ ‰¸¸÷¸¸ ¢¥¸‡ ¬¨¸-£¸½¸Š¸¸£ œÏ¢©¸®¸µ¸ ‚¸¡¸¸½¢¸÷¸ ˆÅ£÷¸¸ í¾. ¬¸Ÿ¸ú®¸¸š¸ú›¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸,
‰¸¸½¥¸›¸½ ˆÅú ¬¸º¢¨¸š¸¸ œÏ™¸›¸ ˆÅ£ˆ½Å ¬¸¸¨¸Äž¸¸¾¢Ÿ¸ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ ¬¸½¨¸¸‡¿ œÏ™¸›¸ ˆÅ£›¸¸ í¾, ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¸£‡¬¸ƒÄ’ú‚¸ƒÄ ›¸½ 606 „ŸŸ¸ú™¨¸¸£¸Ê ˆÅ¸½ œÏ¢©¸¢®¸÷¸ ¢ˆÅ¡¸¸,
Ÿ¸Ê ¬¸¢ÇÅ¡¸ ³Åœ¸ ¬¸½ ž¸¸Š¸ú™¸£ £í¸ í¾. Ÿ¸¸¸Ä 2024 ˆ½Å ‚¿÷¸ ÷¸ˆÅ, ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ¢¸›¸Ÿ¸Ê ¬¸½ 433 „ŸŸ¸ú™¨¸¸£¸Ê (71.45%) ¬¨¸-„Ô¸Ÿ¸¸Ê ˆÅú ¬˜¸¸œ¸›¸¸ ˆÅ£ˆ½Å
ˆºÅ¥¸ 18.72 ¥¸¸‰¸ œ¸ú‡Ÿ¸¸½”ú¨¸¸ƒÄ ‰¸¸÷¸½ ˜¸½. Ÿ¸¸¸Ä 2024 ˆ½Å ‚¿÷¸ ÷¸ˆÅ, ¤¸ÿˆÅ ¬¨¸£¸½¸Š¸¸£ Ÿ¸Ê ¥¸Š¸ Š¸‡ íÿ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¸£‡¬¸ƒÄ’ú‚¸ƒÄ œÏ¢÷¸ž¸¸¢Š¸¡¸¸Ê ˆ½Å
›¸½ œÏš¸¸›¸ Ÿ¸¿°¸ú ¬¸º£®¸¸ ¤¸úŸ¸¸ ¡¸¸½¸›¸¸ (œ¸ú‡Ÿ¸‡¬¸¤¸ú¨¸¸ƒÄ) ˆ½Å ÷¸í÷¸ 10.86 ¥¸¸‰¸ ¢¥¸‡ œÏ¢©¸®¸µ¸ ˆ½Å ¬¸¸˜¸-¬¸¸˜¸ ¬¸º¢¨¸š¸¸‚¸Ê ˆ½Å „¸ Ÿ¸¸›¸ˆÅ¸Ê ˆÅ¸½ ¤¸›¸¸‡ £‰¸ £í¸ í¾,
¥¸¸ž¸¸¢˜¸Ä¡¸¸Ê ˆÅ¸½ ›¸¸Ÿ¸¸¿¢ˆÅ÷¸ ¢ˆÅ¡¸¸ í¾,¡¸í ‡ˆÅ ¤¸úŸ¸¸ ¡¸¸½¸›¸¸ í¾ ¸¸½ Ÿ¸¸Ÿ¸»¥¸ú ¥¸¸Š¸÷¸ ƒ¬¸¢¥¸‡ „›íÊ `‡‡' ŠÏ½¢”¿Š¸ ¬¸½ ¬¸ŸŸ¸¸¢›¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾, ¸¸½ 2023 Ÿ¸Ê ŠÏ¸Ÿ¸úµ¸
œ¸£ ™º‹¸Ä’›¸¸ ˆ½Å ˆÅ¸£µ¸ Ÿ¸¼÷¡¸º ‚¸¾£ ¢¨¸ˆÅ¥¸¸¿Š¸÷¸¸ ˆÅ¨¸£ ‚¸ÁûÅ£ ˆÅ£÷¸ú í¾. ¤¸ÿˆÅ ¢¨¸ˆÅ¸¬¸ Ÿ¸¿°¸¸¥¸¡¸ (‡Ÿ¸‚¸½‚¸£”ú), ž¸¸£÷¸ ¬¸£ˆÅ¸£ ¬¸½ ¬¸Ÿ¸ŠÏ œÏ™©¸Ä›¸ ˆ½Å ¢¥¸‡
›¸½ œÏš¸¸›¸Ÿ¸¿°¸ú ¸ú¨¸›¸ ¡¸¸½¢÷¸ ¤¸úŸ¸¸ ¡¸¸½¸›¸¸ (œ¸ú‡Ÿ¸¸½¸½¤¸ú¨¸¸ƒÄ) ˆ½Å ‚¿÷¸Š¸Ä÷¸ „÷ˆ¼Å«’ í¾.
Ÿ¸¸¸Ä 2024 ˆ½Å ‚¿÷¸ ÷¸ˆÅ 3.81 ¥¸¸‰¸ ¥¸¸ž¸¸¢˜¸Ä¡¸¸Ê ˆÅ¸½ ›¸¸Ÿ¸¸¿¢ˆÅ÷¸ ¢ˆÅ¡¸¸, ¡¸í
¡¸¸½¸›¸¸ „¢¸÷¸ ¥¸¸Š¸÷¸ œ¸£ ¨¡¸¢Æ÷¸¡¸¸Ê ˆÅ¸½ ¸ú¨¸›¸ ¤¸úŸ¸¸ ˆÅ¨¸£ œÏ™¸›¸ ˆÅ£÷¸ú í¾. ¢”¢¸’¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸
‚’¥¸ œ¸Ê©¸›¸ ¡¸¸½¸›¸¸ (‡œ¸ú¨¸¸ƒÄ) ˆ½Å ÷¸í÷¸ ¤¸ÿˆÅ ›¸½ Ÿ¸¸¸Ä 2024 ˆ½Å ‚¿÷¸ ÷¸ˆÅ ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆÅ¸ ¥¸®¡¸ ¬¸¨¸¸½Ä¸ ¢”¢¸’¥¸ ‚›¸ºž¸¨¸, œÏ¸¾Ô¸¸½¢Š¸ˆÅú Ÿ¸¸›¸ˆÅ¸Ê, œÏ¢ÇÅ¡¸¸‚¸Ê
5.48 ¥¸¸‰¸ ¥¸¸ž¸¸¢˜¸Ä¡¸¸Ê ˆÅ¸½ ›¸¸Ÿ¸¸¿¢ˆÅ÷¸ ¢ˆÅ¡¸¸ í¾, ¡¸í ¬¸Ÿ¸¸¸ ˆ½Å Š¸£ú¤¸ ‚¸¾£ ‡¨¸¿ ¢ÇÅ¡¸¸¢¨¸¢š¸¡¸¸Ê ˆÅ¸½ ÷¸¾›¸¸÷¸ ˆÅ£ˆ½Å ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ‡ˆÅ ¬¸º£¢®¸÷¸, ¢›¸¤¸¸Äš¸
¨¸¿¢¸÷¸ ¨¸Š¸¸½ô, ¢¨¸©¸½«¸ ³Åœ¸ ¬¸½ ‚¬¸¿Š¸¢“÷¸ ®¸½°¸ ˆ½Å ¥¸¸½Š¸¸Ê ˆ½Å ¢¥¸‡, ‡ˆÅ œ¸Ê©¸›¸ ‚¸¾£ ¬¸º¢¨¸š¸¸¸›¸ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ Ÿ¸¿¸ œÏ™¸›¸ ˆÅ£›¸¸ í¾ ¸í¸¿ ŠÏ¸íˆÅ ¬¸º¢¨¸š¸¸ ‚¸¾£ ¬¸º£®¸¸
¡¸¸½¸›¸¸ í¾. œÏ¸˜¸¢Ÿ¸ˆÅ Ÿ¸í÷¨¸ í¾.

dm{f©H$ [anmoQ>© Annual Report 2023-24 19

œÏ¤¸¿š¸ ¢¨¸¨¸½¸›¸¸ ‡¨¸¿ ¢¨¸©¥¸½«¸µ¸

œÏ¸¾Ô¸¸½¢Š¸ˆÅú Ÿ¸Ê ¢›¸¨¸½©¸ ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆ½Å ¢¥¸‡ ‡ˆÅ Ÿ¸¸¤¸»÷¸ ¢”¢¸’¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¢ˆÅ¡¸¸ í¾. ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ›¸½ ¬¸¸„¿”-¤¸¸ÁƬ¸ ¬¸Ÿ¸¸š¸¸›¸ ž¸ú œ¸½©¸ ¢ˆÅ¡¸¸ í¾ ¸¸½ ¨¡¸¸œ¸¸¢£¡¸¸Ê
‚›¸ºž¸¨¸ œÏ™¸›¸ ˆÅ£›¸½ Ÿ¸Ê Ÿ¸í÷¨¸œ¸»µ¸Ä £í¸ í¾. ‚¸£¸Ÿ¸, ¬¸º£®¸¸, ¬¸º¢¨¸š¸¸ ‚¸¾£ ¢”¢¸’¥¸ ˆÅ¸½ š¸›¸ ˆÅú œÏ¸¦œ÷¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê ¬¸¸½÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‡ˆÅ ‚¸Á¢”¡¸¸½ ¬¸®¸Ÿ¸ „œ¸ˆÅ£µ¸
¤¸ÿ¢ˆ¿ÅŠ¸ ¸¾›¸¥¸¸Ê ˆÅú 24x7 „œ¸¥¸¤š¸÷¸¸ ˆ½Å ˆÅ¸£µ¸ ¢”¢¸’¥¸ ŠÏ¸íˆÅ¸Ê Ÿ¸Ê „¥¥¸½‰¸›¸ú¡¸ í¾.
¨¸¼¢Ö íºƒÄ í¾. ¤¸ÿˆÅ ›¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 Ÿ¸Ê ¬¸Ÿ¸ŠÏ ¢”¢¸’¥¸ ¥¸½›¸™½›¸¸Ê Ÿ¸Ê 37%, ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ›¸½ ›¸‡ ŠÏ¸íˆÅ ‰¸¿”¸Ê ˆÅ¸ œ¸÷¸¸ ¥¸Š¸¸›¸½, ‚¢š¸ˆÅ ›¸¨¸ú›¸ ¡¸¸½¸›¸¸‡¿ ¢¨¸ˆÅ¢¬¸÷¸
¡¸»œ¸ú‚¸ƒÄ ¥¸½›¸™½›¸ Ÿ¸Ê 38% ‚¸¾£ Ÿ¸¸½¤¸¸ƒ¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ˆ½Å ¬¸¢ÇÅ¡¸ ŠÏ¸íˆÅ ‚¸š¸¸£ Ÿ¸Ê ˆÅ£›¸½, ¥¸¸Š¸÷¸ ™®¸÷¸¸ ˆ½Å ¢¥¸‡ ‚¸¿÷¸¢£ˆÅ œÏ¢ÇÅ¡¸¸‚¸Ê ˆÅ¸½ ¬¸º¨¡¸¨¸¦¬˜¸÷¸ ˆÅ£›¸½ ‚¸¾£
33% ˆÅú „¥¥¸½‰¸›¸ú¡¸ ¨¸¼¢Ö ™½‰¸ú Š¸ƒÄ í¾. ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ Ÿ¸»¥¡¸ ¨¸¢š¸Ä÷¸ ¬¸½¨¸¸‡¿ œÏ™¸›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¢”¢¸’¥¸ ³Åœ¸¸¿÷¸£µ¸,
›¸¨¸¸¸¸£ ‚¸¾£ ¢¨¸ˆÅ¸¬¸ ˆ½Å ‚œ¸›¸½ £µ¸›¸ú¢÷¸ˆÅ „Ó½©¡¸¸Ê ˆÅ¸½ œÏ¸œ÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡
‚¸œ¸ˆ½Å ¤¸ÿˆÅ ›¸½ ‚œ¸›¸½ Ÿ¸¸½¤¸¸ƒ¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ‡½œ¸ `Š¸¸½ Ÿ¸¸½¤¸¸ƒ¥¸+' ˆ½Å ¢¥¸‡ œÏ¸¾Ô¸¸½¢Š¸ˆÅú
¢ûÅ›¸’½ˆÅ ˆ½Å ¬¸¸˜¸ ¸º”õ›¸½ ˆ½Å ¢¥¸‡ ‚¸¨¸©¡¸ˆÅ ‚¢ž¸©¸¸¬¸›¸ ¬¸¿£¸›¸¸ ÷¸¾¡¸¸£ ˆÅú í¾.
œ¥¸½’ûŸÁŸ¸Ä ˆÅ¸½ ‚œ¸ŠÏ½” ¢ˆÅ¡¸¸ í¾, ¡¸»¢›¸ûŸƒ” œ¸½Ÿ¸Ê’ì¸ ƒ¿’£û½Å¬¸ (¡¸»œ¸ú‚¸ƒÄ)
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ˆ½Å ¢¥¸‡ ¤¸½í÷¸£ ¥¸½›¸™½›¸ ‚›¸ºž¸¨¸ ‚¸¾£ „œ¸¥¸¤š¸÷¸¸ ˆ½Å ¢¥¸‡ ÷¸÷ˆÅ¸¥¸ ž¸ºŠ¸÷¸¸›¸
¬¸½¨¸¸ (‚¸ƒÄ‡Ÿ¸œ¸ú‡¬¸) 3.5 ¸¾¬¸ú œÏŸ¸º‰¸ œ¸í¥¸¸Ê ˆÅ¸½ ¥¸¸Š¸» ¢ˆÅ¡¸¸. ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ›¸½ ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆ½Å ˆÅ¸Á£œ¸¸½£½’ ¤¸ÿ¢ˆ¿ÅŠ¸ ‰¸¿” Ÿ¸Ê ¤¸¼í÷¸ ˆÅ¸Á£œ¸¸½£½’ ¬¸Ÿ¸»í (‡¥¸¬¸ú¸ú)
‚¸Á›¸¥¸¸ƒ›¸ œÏúœ¸½” ˆÅ¸”Ä ¸¸£ú ˆÅ£›¸½ ‡¨¸¿ œÏ¤¸¿š¸›¸ œÏ¢ÇÅ¡¸¸, ‰¸¸÷¸¸ ‡ŠÏúŠ¸½’£ ¬¸½¨¸¸‚¸Ê ‚¸¾£ Ÿ¸š¡¸Ÿ¸ ˆÅ¸Á£œ¸¸½£½’ ¬¸Ÿ¸»í (‡Ÿ¸¬¸ú¸ú) ©¸¸¢Ÿ¸¥¸ íÿ. ‡¥¸¬¸ú¸ú ‚œ¸›¸½ ¤¸”õ½
‚¸¾£ ¬¸»®Ÿ¸, ¥¸‹¸º ‡¨¸¿ Ÿ¸š¡¸Ÿ¸ „Ô¸Ÿ¸¸Ê (‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ) ‡¨¸¿ ˆ¼Å¢«¸ †µ¸ „÷œ¸¸™¸Ê ˆÅú ˆÅ¸Á£œ¸¸½£½’ ŠÏ¸íˆÅ¸Ê ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ ˆÅ¸½ œ¸»£¸ ˆÅ£÷¸¸ í¾, ¸¤¸¢ˆÅ ‡Ÿ¸¬¸ú¸ú Ÿ¸š¡¸Ÿ¸
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ž¸ú ÷¸½¸ú ¬¸½ œÏŠ¸¢÷¸ ˆÅú í¾. ž¸¸£÷¸ ¬¸£ˆÅ¸£ ׸£¸ ¬¸½¨¸¸‚¸Ê, ¢¨¸¢›¸Ÿ¸¸Äµ¸ ‚¸¾£ ¤¸º¢›¸¡¸¸™ú ¬¸¿£¸›¸¸ ®¸½°¸¸Ê Ÿ¸Ê ¢›¸¨¸½©¸
ˆÅ¸½ ¤¸õ¸›¸½ ˆ½Å ¢¥¸‡ ¢¥¸¡¸½ Š¸¡¸½ ˆÅƒÄ ›¸ú¢÷¸Š¸÷¸ œ¸í¥¸ˆÅ¸¡¸¸½ô ¬¸½ †µ¸ Ÿ¸¸¿Š¸ ¤¸õ £íú í¾.
‚¸œ¸ˆ½Å ¤¸ÿˆÅ ›¸½ ‚œ¸›¸½ Ÿ¸¸½¤¸¸ƒ¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ‡½œ¸ Ÿ¸Ê „Ô¸¸½Š¸ Ÿ¸¸›¸ˆÅ ˆÅ¸¡¸¸Ä÷Ÿ¸ˆÅ÷¸¸‚¸Ê ‚¸œ¸ˆÅ¸ ¤¸ÿˆÅ ¸º¢›¸¿™¸, ‚¿©¸¸¿¢ˆÅ÷¸ ‚¸¾£ ¸¸½¢‰¸Ÿ¸ ¢›¸¡¸¿¢°¸÷¸ ´¦«’ˆÅ¸½µ¸ ‚œ¸›¸¸ ˆÅ£
ˆÅ¸½ ž¸ú ¥¸¸Š¸» ¢ˆÅ¡¸¸ í¾ ¸¾¬¸½ (i) ‚›¡¸ ¤¸ÿˆÅ ‰¸¸÷¸½ ˆ½Å ¢¨¸¨¸£µ¸ ˆ½Å ¬¸¸˜¸ ‡ˆÅúˆ¼Å÷¸ ƒ›¸ ®¸½°¸¸Ê Ÿ¸Ê ¨¡¸¨¸í¸¡¸Ä ¢¨¸î¸œ¸¸½«¸µ¸ ‚¨¸¬¸£ ÷¸¥¸¸©¸ ˆÅ£ £í¸ í¾. ¤¸”õú œ¸¢£¡¸¸½¸›¸¸‚¸Ê
‰¸¸÷¸¸ ”¾©¸¤¸¸½”Ä, (ii) ¤¸½í÷¸£ ¡¸»œ¸ú‚¸ƒÄ ¡¸¸°¸¸, (iii) ‚¸š¸¸£ ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£ˆ½Å ˆ½Å ¢¨¸î¸œ¸¸½«¸µ¸ Ÿ¸Ê ¢›¸¢í÷¸ ¸¢’¥¸÷¸¸‚¸Ê ‚¸¾£ í¸Ÿ¸ú™¸£ú Ÿ¸¸›¸ˆÅ¸Ê ˆÅ¸½ ƒ«’÷¸Ÿ¸ ˆÅ£›¸½
Ÿ¸¸½¤¸¸ƒ¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¬¸¢ÇÅ¡¸µ¸ ‚¸¾£ (iv) ‚¨¸³ÅÖ £¸¢©¸ ׸£¸ ¬¸Ÿ¸¢˜¸Ä÷¸ ‚¸¨¸½™›¸ ˆÅú ´¦«’ ¬¸½ ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ›¸½ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚œ¸›¸½ œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸ Ÿ¸Ê ¢¨¸©¸½«¸úˆ¼Å÷¸
(‡‡¬¸¤¸ú‡) „¸ Ÿ¸¸¢¥¸¡¸÷¸ ¨¸¸¥¸½ ¨¡¸¢Æ÷¸ (‡¸‡›¸‚¸ƒÄ) ª½µ¸ú Ÿ¸Ê œÏ¸£¿¢ž¸ˆÅ œ¸¢£¡¸¸½¸›¸¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ®¸ ¬˜¸¸¢œ¸÷¸ ¢ˆÅ¡¸¸ í¾.
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dm{f©H$ [anmoQ>© Annual Report 2023-24 21

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dm{f©H$ [anmoQ>© Annual Report 2023-24 23

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„›¸ˆÅú ÷¸£¥¸÷¸¸ ¦¬˜¸¢÷¸ œ¸£ œ¸»µ¸Ä ¢›¸¡¸¿°¸µ¸ ˆ½Å ¢¥¸‡ ¬¸©¸Æ÷¸ ¤¸›¸¸÷¸¸ í¾. œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê (¸ú-¬¸½ˆÅ)/ £¸¡¸ ¢¨¸ˆÅ¸¬¸ †µ¸ (‡¬¸”ú‡¥¸) / ’ｏ¸£ú ¢¤¸¥¸ (’ú-
‚¸œ¸ˆÅ¸ ¤¸ÿˆÅ ¸¥¸¢›¸¢š¸ œÏ¤¸¿š¸›¸ ¬¸Ÿ¸¸š¸¸›¸ ¸¾¬¸½ „››¸÷¸ œÏ¸¾Ô¸¸½¢Š¸ˆÅú ¨¸¸¥¸½ ¬¸Ÿ¸¸š¸¸›¸ ¢¤¸¥¸) ˆÅú ›¸ú¥¸¸Ÿ¸ú Ÿ¸Ê ¬¸¢ÇÅ¡¸ ³Åœ¸ ¬¸½ ž¸¸Š¸ ¥¸½÷¸ú £íú í¾. ‚¸œ¸ˆÅ¸ ¤¸ÿˆÅ ¢¨¸î¸ú¡¸
‚¸ÁûÅ£ ˆÅ£÷¸¸ í¾ ¢¸›¸Ÿ¸Ê ˆÅ¸Á£œ¸¸½£½’ ¸¥¸¢›¸¢š¸ œÏ¤¸¿š¸›¸ ¬¸Ÿ¸¸š¸¸›¸ (¬¸ú-‡¥¸‡Ÿ¸‡¬¸), ¨¸«¸Ä 2023-24 Ÿ¸Ê 18% ›¡¸»›¸÷¸Ÿ¸ ‡¬¸‡¥¸‚¸£ ¤¸›¸¸‡ £‰¸ˆÅ£ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ
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¡¸¸½¸›¸¸‡¿ ¸¾¬¸½ £¸«’ïú¡¸ ¬¨¸¸¸¢¥¸÷¸ ¬¸Ÿ¸¸©¸¸½š¸›¸ Š¸¼í (‡›¸‡¬¸ú‡¸), ¨¸¸ºÄ‚¥¸ Ÿ¸Ê ¤¸ÿˆÅ ˆÅ¸ ˆºÅ¥¸ ¢›¸¨¸½©¸ 17% ˆÅú ¨¸¸¢«¸ÄˆÅ ¨¸¼¢Ö ˆ½Å ¬¸¸˜¸ `85,849 ˆÅ£¸½”õ
£½¢Ÿ¸’£ ‚¸ƒ”Ê¢’¢ûň½Å©¸›¸ ˆÅ¸½” (¨¸ú‚¸£‚¸ƒÄ¬¸ú), ž¸¸£÷¸ ¢¤¸¥¸ ž¸ºŠ¸÷¸¸›¸ œÏµ¸¸¥¸ú £í¸.
(¤¸ú¤¸úœ¸ú‡¬¸) ˆ½Å ¸¢£¡¸½ „œ¸¡¸¸½¢Š¸÷¸¸ ž¸ºŠ¸÷¸¸›¸, ¬¸úš¸ú ›¸¸Ÿ¸½ ¬¸º¢¨¸š¸¸‡¿ , ûŸ¬’¾Š¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 Ÿ¸Ê 10-¨¸«¸úÄ¡¸ ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸ ¤¸Ê¸Ÿ¸¸ˆÄÅ ›¸½ ‚¿¢÷¸Ÿ¸
‚¸¢™ ©¸¸¢Ÿ¸¥¸ íÿ. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, ‚¸œ¸ˆÅ¸ ¤¸ÿˆÅ í¸½¬’-’»-í¸½¬’ œÏ¸¾Ô¸¸½¢Š¸ˆÅú ˆ½Å ¢÷¸Ÿ¸¸íú Ÿ¸Ê ‚š¸¸½Š¸¸Ÿ¸ú ¸ºˆÅ¸¨¸ ˆ½Å ¬¸¸˜¸ 6.95%-7.40% ˆÅú ‡ˆÅ ¬¸¿ˆÅúµ¸Ä ¬¸úŸ¸¸ Ÿ¸Ê
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„œ¸¥¸¤š¸ ˆÅ£¸÷¸¸ í¾. Ÿ¸Ê ¤¸¸¿” ƒ¿”½Æ¬¸ ˆÅ¸½ ©¸¸¢Ÿ¸¥¸ ˆÅ£›¸½ ˆ½Å ˆÅ¸£µ¸ †µ¸ ¤¸¸{¸¸£ Ÿ¸Ê ¥¸Š¸¸÷¸¸£ ¢¨¸™½©¸ú
‚¸œ¸ˆÅ¸ ¤¸ÿˆÅ ž¸¸£÷¸ú¡¸ £½¥¸¨¸½ ˆ½Å ƒÄ-ž¸¸”õ¸ ž¸ºŠ¸÷¸¸›¸ œÏµ¸¸¥¸ú Ÿ¸Ê ž¸¸Š¸ ¥¸½›¸½ ˆ½Å ¢¥¸‡ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ¢›¸¨¸½©¸ (‡ûÅœ¸ú‚¸ƒÄ) ‚¿÷¸¨¸¸Äí £í¸. ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 Ÿ¸Ê
12 ‚¿¸¥¸¸Ê Ÿ¸Ê ‚¢š¸ˆ¼Å÷¸ í¾. ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ›¸½ ¬¸ú‡Ÿ¸‡¬¸ ¬¸½’ ˆ½Å ÷¸í÷¸ ›¸‡ ¡¸ºŠ¸ ˆÅú ›¸ú¢÷¸Š¸÷¸ £½œ¸¸½ £½’ ˆÅ¸½ ‚œ¸¢£¨¸¢÷¸Ä÷¸ £‰¸›¸½ ˆ½Å ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å û¾Å¬¸¥¸½ ¬¸½ ¤¸¸Á›”
¢”¢¸’¥¸ ¡¸¸½¸›¸¸‡¿ ©¸º³ ˆÅú íÿ ¸¾¬¸½ (i) ¦Æ¨¸ˆÅ ‚¸ƒÄ-œ¸½, ¸¸½ ‡ˆÅ ¬¸¿¬˜¸¸Š¸÷¸ œÏ¢÷¸ûÅ¥¸ Ÿ¸Ê š¸ú£½-š¸ú£½ ¢Š¸£¸¨¸’ ‚¸ƒÄ. ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ›¸½ œÏ¢÷¸ûÅ¥¸ í¥¸¸¥¸¸Ê ¬¸½ „÷œ¸››¸
¬¸¿ŠÏíµ¸ ¡¸¸½¸›¸¸ í¾ ¢¸¬¸¬¸½ ¢¤¸¸›¸½¬¸-¬¸½-„œ¸ž¸¸½Æ÷¸¸ (¤¸ú’»¬¸ú) ‰¸¿” ˆ½Å ¬¸¿¬˜¸¸›¸ ‚¨¸¬¸£¸Ê ˆÅ¸ ¥¸¸ž¸ „“¸¡¸¸ ‚¸¾£ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ™¸¾£¸›¸ ` 85,849
‡ˆÅ¥¸ œÏµ¸¸¥¸ú ˆÅ¸ œÏ¡¸¸½Š¸ ˆÅ£ ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ¬¸½ ¬¸ž¸ú ‚¸Á›¸¥¸¸ƒ›¸ ‚¸¾£ ‚¸ÁûÅ¥¸¸ƒ›¸ ˆÅ£¸½”õ (¢¤¸ÇÅú œ¸£ ¥¸¸ž¸ ¬¸¢í÷¸) ˆ½Å ˆºÅ¥¸ ‡¬¸‡¥¸‚¸£ ¢›¸¨¸½©¸ œ¸£ 7.04%
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dm{f©H$ [anmoQ>© Annual Report 2023-24 25

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dm{f©H$ [anmoQ>© Annual Report 2023-24 27

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dm{f©H$ [anmoQ>© Annual Report 2023-24 37

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Š¸¡¸¸ í¾. ¤¸ÿˆÅ ›¸½ ǽŢ”’ ¬¸»¸›¸¸ ˆ¿Åœ¸›¸ú (¬¸ú‚¸ƒÄ¬¸ú) ¬¸Ÿ¸»í›¸¸Ê ˆÅ¸½ ¤¸ÿˆÅ ׸£¸ ˆÅú
Š¸ƒÄ œÏ¬÷¸º¢÷¸¡¸¸Ê ˆÅú ”½’¸ Š¸ºµ¸¨¸î¸¸ Ÿ¸Ê ¬¸ºš¸¸£ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ œÏ¢ÇÅ¡¸¸‡¿ ‚¸¾£ ¢¬¸¬’Ÿ¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ™¸¾£¸›¸ ˆ½Å›Íúˆ¼Å÷¸ œ¸¢£¸¸¥¸›¸ ¤¸ÿˆÅ ˆÅú ŠÏ¸íˆÅ ¬¸¿¤¸¿š¸¸Ê
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dm{f©H$ [anmoQ>© Annual Report 2023-24 39

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dm{f©H$ [anmoQ>© Annual Report 2023-24 41

Management Discussion & Analysis

BUSINESS ENVIRONMENT BUSINESS REVIEW

The global economy recorded relatively healthy growth in During the period under review, your Bank continued on its
2023 driven by various factors. Economic activity was driven upward trajectory in terms of business growth and profitability.
by stronger private and government spending on the demand The Bank remained focussed on achieving its broad strategic
side and by increased labour force participation, restored objectives through cohesive and wide-ranging initiatives
supply chains and broad-based disinflation on the supply which have been elaborated in this section of the Annual
side. These factors helped in partially offsetting the impact Report.
of the tight monetary conditions and renewed geopolitical In line with its strategic objective of further strengthening
uncertainties. While the global economy continues to its retail franchise, the Bank has cumulatively opened over
gradually recover from the pandemic, the growth remains 100 new branches pan-India after exiting the RBI's Prompt
below pre-pandemic levels and uneven across regions. Corrective Action (PCA) framework in March 2021. With
this, the Bank’s branch network touched a milestone with
In this backdrop, buoyed by carefully planned wide-ranging
2,004 branches as at end-March 2024, which comprised
policy and structural reforms, the Indian economy continued
454 metro branches, 480 urban branches, 637 semi-urban
to be resilient to the external challenges and maintained
branches and 432 rural branches (including 268 Financial
its healthy growth momentum. Healthy consumption and
Inclusion branches) in India and one International Financial
investment demand continued to drive economic activity
Services Centre (IFSC) Banking Unit (IBU) at Gujarat
spurred by upswing in the business cycle. Large domestic
International Finance Tec–City (GIFT), Gandhinagar, Gujarat.
market and high capital expenditure by the Government
Complementing its growing branch network, the Bank had
fuelled business and consumer optimism, acting as a catalyst
a network of 3,303 ATMs in India as at end-March 2024,
for healthy pace of economic activities.
which, coupled with its digital banking services, viz. internet
The banking sector played a crucial role in the economic banking and mobile banking, provided a seamless, multi-
revival by catering to the higher credit demand. Over the years, channel access to its customers to carry out their banking
policy and regulatory efforts as well as overhaul of internal transactions with ease as per their convenience.
systems and structures have helped in improving the financial The Bank, through its gamut of deposit products catering to
health of the banks in terms of improved asset quality, higher various customer segments and by introducing new product
profitability and adequate capital. This has helped the banks offerings, endeavoured to drive growth in its deposits,
to meet the growing credit demand, especially from the especially Current Account & Savings Account (CASA)
retail and MSME segments and other strategically important deposits, to create low-cost and stable deposit base. The
sectors, which helped in spurring the pace of economic Bank also took measures to shore up retail term deposits
activities. During the year, the sustained pause in the rate and bulk deposits at competitive rates in order to bolster its
hike cycle by the RBI helped in keeping the lending rates at total deposits. Your Bank also capitalised on the business
moderate level, thereby supporting the credit demand. To opportunities arising from its association with Life Insurance
support the higher credit demand, the banks also shored Corporation of India (LIC). Extensive use of data analytics
up their deposits. The improved macroeconomic conditions, and adoption of Customer Relationship Management (CRM)
coupled with structural reforms, helped the banks to continue system helped the Bank in its endeavour of growing its deposit
reporting higher profitability on the back of business growth base. On the advances front, the Bank targeted scaling up
and improving asset quality. The virtuous cycle of financially a granular and well-collateralised loan portfolio by focussing
sound banks and higher economic growth augurs well for the on retail and priority sector segments as well as well-rated
Indian economy in the foreseeable future. corporates. In order to maintain healthy loan portfolio and
managing credit risks effectively, the Bank has strengthened
Going forward, in FY 2024-25, India will continue its upward its credit underwriting process and monitoring of its loan
growth trajectory on the back of expected normal monsoon, accounts. Your Bank continued to focus on resolution of
stable and robust domestic demand as well as improved non-performing assets as also on controlling fresh slippages.
private consumption and investment demand, further Aligned to its vision of being the most preferred and trusted
reinforced by the ongoing structural reforms. Favourable bank, your Bank views robust compliance, corporate
factors such as improved manufacturing capabilities, governance and risk management culture as the cornerstone
sustained growth in services sector, comfortable balance of sound and stable business operations. Towards this end,
of payments position, continued moderation in inflationary the Bank took numerous measures to not just strengthen the
pressures, continued improvement in business and consumer practices but also to spread awareness among its workforce
sentiments and digital advances provide a sound foundation regarding the crucial importance of adhering to the laid down
for sustained growth in a higher trajectory. norms in the day-to-day activities.

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Corporate Overview Statutory Reports Financial Statements

Going forward, operating in a competitive but conducive Non-Resident (FCNR) Deposits, investments including equity
business environment, your Bank’s business strategy will market investments through Portfolio Investment Scheme
continue to be focussed on customer-centric innovations (PIS), remittances through Society for Worldwide Interbank
and enriching customer experiences to help in deepening Financial Telecommunications (SWIFT) & other modes and
its customer relations. The Bank will strive to further refine loans to meet the banking and financial needs of the Indian
and strengthen its business operations by focussing on diaspora across the globe.
compliance and governance driven culture to maintain trust
among its stakeholders and to ensure sustained and stable Your Bank continued to undertake product/ process
growth momentum. improvements for augmenting customer experience, service
delivery and convenience of banking for its NRI customers.
RETAIL BANKING
Retail Assets
Retail Liability Products
Your Bank continued to target a progressively larger retail
Your Bank offers a gamut of deposit products, specifically business portfolio in line with its intended positioning as a
designed to cater to the banking requirements of customers retail-centric bank. The Bank has endeavored to evolve a
from all segments of the society, viz. individuals (including wide range of retail asset products and services to forge
general citizens, senior citizens, pensioners, students, a connection with lifestyle decisions and aspirations of
Non-Resident Indians (NRIs) and non-individuals (including every household in India. The Bank offers a bouquet of
proprietorships, partnership firms, corporates, Government retail asset products, including Housing Loan (HL), Loan
Institutions, Trusts, Associations, Societies, Clubs, other against Property (LAP), Auto Loan (AL), Personal Loan
banks (including Co-operative Banks) etc.). (PL), Education Loan (EL), Loan Against Securities (LAS),
among other products. The products and processes
Your Bank pursued its endeavour of fine-tuning products/
are reviewed periodically for modifications/ innovations/
processes in line with the evolving customer requirements
customisations to align with evolving customer preferences
and changing market dynamics. Your Bank has successfully
and the expectations of the growing segment of millennial
rolled out new products under Payroll segment, viz. IDBI
borrowers.
Payroll Ratna and the Current Account segments, viz.
Business Banking Solutions. During the period under review, your Bank continued to remain
Your Bank also implemented state-of-the-art technology in a prominent player in the structured retail loan segment. To
digitising the customer on-boarding journey under the Video meet the divergent and emerging needs of its customers,
Account Opening (VAO) platform. your Bank undertook various measures such as placing thrust
on home loans under Approved Project Finance, accelerated
Your Bank launched special bucket non-callable/ callable acquisition under recently launched variants like Ultra Saver
deposits. The rate revisions done were also measured and Home Loan for borrowers with surplus cash flows, auto loans
calibrated in select buckets to curtail any spike in the cost of for pre-owned cars, Digital Personal Loan and Education
deposits while remaining competitive in the market. Loan for studies in select Premier Institutions abroad. Your
Bank successfully implemented a New Automated Loan
Your Bank continued to augment its customer engagement
Processing System to ensure a robust faster Turn-Around Time
approach through extensive usage of data analytics and
(TAT), enhance customer experience and taken several digital
adoption of Customer Relationship Management (CRM) tools
initiatives for customer delight. Additionally, in order to support
so as to foster enhanced business penetration.
students from the Economically Weaker Sections (EWSs) of
Your Bank cumulatively opened more than 100 new branches, the society, the Bank extends subsidy benefit to education
since embarking on a new journey of branch expansion, loan borrowers under the Government of India (GoI) schemes
post exit from the RBI’s Prompt Corrective Action (PCA) such as Central Sector Interest Subsidy Scheme (CSIS). The
framework in March 2021 and has envisaged development Bank also processes renewal claims under the schemes, viz.
of a capital light and quickly scalable hybrid delivery model, Dr. Ambedkar Central Sector Scheme of Interest Subsidy
viz. combination of digital platform and brick-and-mortar (CSIS) and Padho Pardesh Scheme, which have since been
branches, to expand its deposit base. discontinued.

NRI Services Credit Card

Your Bank offers a wide array of products across the Your Bank offers credit card variants under different
spectrum of Non-Resident (External) (NRE) Deposits/ network schemes. These variants are tailored to cater to
Non-Resident Ordinary (NRO) Deposits/ Foreign Currency the requirements of different customer segments. The

dm{f©H$ [anmoQ>© Annual Report 2023-24 43

Management Discussion & Analysis

coverage under the extant payment scheme are (a) RuPay THIRD PARTY PRODUCTS AND CAPITAL
scheme - Winnings Select, (b) Visa scheme - Royale
Signature, Aspire Platinum & Imperium Platinum, and
MARKET PRODUCTS
(c) Mastercard scheme - Euphoria World. The Bank also The Third Party Distribution (TPD) segment of your Bank
offers co-branded credit cards with LIC Cards Services offers various value-added products and services to
Ltd. (LICCSL) on RuPay scheme namely, Eclat and Lumine. customers, keeping in view their risk profile, financial goals
Keeping up with the digital focus, the Bank has also launched and investment objectives. The Bank has taken a number
end-to-end digital on-boarding of credit card issuance. The of initiatives to foster value sales and shift of business focus
Bank has also identified potential existing customers for from product-centric to customer-centric approach. The shift
offering pre-approved credit card with pre-sanctioned credit in the strategy is to ensure customer first approach clubbed
limit, sans any additional documentation. with compliant business practices resulting in persistent and
For better customer service and ease of usage, new credit sustainable fee income to the Bank. Your Bank partners with
card features were also added in the credit card net banking some of India’s most trusted brand names, i.e. Life Insurance
and GO Mobile+ app such as reward point redemption, card Corporation of India (LIC) and Ageas Federal Life Insurance
activation and card insurance nominee addition. To further Company Ltd. (AFLI) in life insurance segment besides New
improve the reach and visibility, the Bank has also entered India Assurance Co. Ltd. (NIAL), TATA AIG General Insurance
into strategic tie-ups with various merchants to extend Co. Ltd. (TAGIC), and Niva Bupa Health Insurance Co. Ltd.
discounts and cashback offers to incentivise card usage by (NBHI) in general & standalone health insurance segment. Your
the cardholders. Bank has entered into MF schemes distribution agreements
with multiple renowned Asset Management Companies
PRIORITY SECTOR BANKING (AMCs) in mutual fund space. Your Bank also offers National
Pension System (NPS) and Government of India (GoI) bonds
The Bank has been contributing significantly to Priority Sector
such as Floating Rate Savings Bonds, Sovereign Gold Bonds
Lending (PSL) as mandated by the RBI. The Bank achieved
and Capital Gains Bonds as other investment opportunities
all the regulatory targets for PSL, including sub-target, for
to customers. Under the capital market segment, your Bank
FY 2023-24. As per the regulatory requirement, the Bank
offers products such as 2-in-1 Account (Savings and Demat
focussed on financial assistance to the Agriculture and
account), 3-in-1 Account (Savings and Demat account
Micro, Small & Medium Enterprises (MSME) segments during
linked to Online Trading account), Application Supported by
the year. To extend its reach, the Bank has been catering
Blocked Amount (ASBA) and Syndicate ASBA (SASBA).
to the un-serviced areas through its Corporate Business
Correspondent (BC)/ Business Facilitator (BF) network. The To keep pace with the rapidly evolving industry business
Bank had tie-ups with 35 Corporate BC/ BF service providers practices, your Bank has undertaken various initiatives
as at end-March 2024. for digitalising the third party product distribution journey.
In terms of the Government of India schemes/ directions, These initiatives include introduction of online mutual fund
the Bank has been extending loans under various Central investment module, digital on-boarding in NPS account
Government/ State Government sponsored schemes like opening through GO Mobile+ application and e-nomination
Pradhan Mantri Mudra Yojana (PMMY), Stand-up India, Prime and mandatory KYC updation in Demat accounts through
Minister Street Vendor Atmanirbhar Nidhi (PM SVANidhi), digital mode. Your Bank enabled Demat account opening
Prime Minister Employment Generation Programme (PMEGP), through its mobile and internet banking channels. Your Bank
Agriculture Infrastructure Fund (AIF), PM Formalisation of also offers an abridged Demat Account Opening Form (AOF),
Micro Food Enterprises (PMFME) scheme, PM Vishwakarma viz. Duranto Demat Account, to extend the reach of Demat
(PMVK), etc. The Bank is also committed towards lending accounts to non-users of digital channels, by enabling instant
to minority communities and weaker sections, including Demat account opening with minimum documentation
Scheduled Castes (SCs)/ Scheduled Tribes (STs). through the branch channel.

During the year, the Bank undertook a number of initiatives SYNERGIES WITH LIC
under PSL. The Bank has executed Memorandums of
Understanding (MoUs) with various reputed corporates for The Life Insurance Corporation of India (LIC) acquired
extending Digital Supply Chain Financing (e-SCF) solution. majority stake in your Bank in January 2019 and over a
The Bank has entered into tie-up arrangements with span of last five years, numerous initiatives were identified
reputed companies in the gold loan business under the and implemented successfully to leverage significant
BC/ co-lending arrangement. The Bank has also entered business synergies. Your Bank had strategically planned
into co-lending arrangement for sourcing of business loan to specific action points in order to garner business in synergy
micro and small enterprises. areas in-terms of revenue synergies, cost synergies and

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Corporate Overview Statutory Reports Financial Statements

financial synergies through its best-in-class products and locations, thereby ensuring greater degree of financial
services, especially by leveraging low-cost deposit book, inclusion across the country and enhancing Priority Sector
viz. current account book. Your Bank has consistently Lending (PSL) business of the Bank. As at end-March 2024,
maintained its top position in the Bancassurance channel the Bank had 1,539 BC outlets serving mainly in the rural
with effective and optimal deployment of its touchpoints to areas. Through these BC outlets, the Bank facilitates access
source business as Corporate Agent of LIC. Your Bank has to the financial services in the underbanked and unbanked
effectively implemented convenience banking by extending locations of the country by enabling customers in these
transaction banking services to meet collection/ payment areas to perform small value cash deposit and withdrawal
related requirements of various offices of the LIC through its transactions at their doorstep. During the year, the Bank
branch/ digital channels. These synergies have supported in additionally appointed seven entities as Corporate BCs to
establishing combined value and performance of two entities increase the outreach of the BC outlets. The Bank conducted
that helped in augmenting your Bank’s retail business and extensive training sessions/ workshops for all BCs/ BFs at
fee income. various locations across the country. Besides, your Bank has
also provided on-the-job training to its BCs/ BFs to develop
FINANCIAL INCLUSION their technical skill to operate on technology platform for
conducting banking transactions.
Your Bank has been proactive in partnering with the
policymakers to further the objective of financial inclusion by Financial Literacy
ensuring access to financial products and services needed
by vulnerable sections of the society at affordable cost in Financial literacy has been identified as a pre-requisite for
a fair and transparent manner. The Bank has been actively effective financial inclusion and an integral part of the PMJDY
promoting the agenda of financial inclusion with interventions in order to let the beneficiaries make best use of the financial
in three key areas, viz. offering appropriate financial products, services being made available to them. The Bank conducts
making intensive use of technology and enhancing financial various outreach programmes to spread awareness among
literacy. people about various banking products. During the year,
the Bank conducted 233 financial literacy camps where the
Pradhan Mantri Jan Dhan Yojana (PMJDY) and participants mainly included farmers, members of Self-Help
Social Security Schemes Groups (SHGs) and small traders.

The Bank has proactively participated in GoI’s financial Your Bank’s Rural Self Employment Training Institute
inclusion programme, viz. Pradhan Mantri Jan Dhan Yojana (IDBI RSETI) located at Satara, Maharashtra conducts
(PMJDY), which aims to provide universal banking services self-employment training aligned to National Skill Qualification
by facilitating unbanked individuals to open one savings bank Framework (NSQF) for the rural youth of the district as
account without the requirement to maintain any minimum instructed by Ministry of Rural Development, Rural Skill
balance, facility of free debit card, overdraft facility and Division, Gol. During the year under review, IDBI RSETI
insurance benefits. As at end-March 2024, the Bank had a trained 606 candidates and 433 candidates (71.45%)
total base of 18.72 lakh PMJDY accounts. As at end-March were reported as settled by establishing self-enterprises.
2024, the Bank enrolled 10.86 lakh beneficiaries under IDBI RSETI has been maintaining high standards of training
Pradhan Mantri Suraksha Bima Yojana (PMSBY), which is as well as facilities for the participants hence awarded with
an insurance scheme offering death and disability cover on ‘AA’ grading, which is outstanding for overall performance
account of an accident at a nominal cost. The Bank also from Ministry of Rural Development (MORD), Gol, in 2023.
enrolled 3.81 lakh beneficiaries as at end-March 2024 under
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), which DIGITAL BANKING
offers life insurance cover to individuals at a reasonable cost. Your Bank aims to provide a secure, seamless and convenient
Under the Atal Pension Yojana (APY), which is a pension banking platform to its customers by deploying the best
scheme for the poor and unprivileged sections of the society, digital experience, technology standards, processes and
especially those in the unorganised sector, the Bank enrolled procedures where customer convenience and security is of
5.48 lakh beneficiaries as at end-March 2024. primary importance.
Business Correspondents (BCs)/ Business The investments in technology have been pivotal in providing
Facilitators (BFs) a robust digital banking experience for its customers. There
is a significant growth in digital customers owing to comfort,
The Bank leveraged its network of Business Correspondents safety, convenience and 24x7 availability of digital banking
(BCs)/ Business Facilitators (BFs) in an effort to increase channels. The Bank has seen a significant growth of 37%
penetration of banking services in rural and semi-urban in overall digital transactions, 38% in UPI transactions and

dm{f©H$ [anmoQ>© Annual Report 2023-24 45

Management Discussion & Analysis

33% growth in mobile banking active customer base in explore new customer segments, develop more innovative
FY 2023-24. products, streamline internal processes for cost efficiencies
and provide value added services to its customers.
Your Bank upgraded the technology platform for its
mobile banking app ‘Go Mobile+’, upgraded the Unified CORPORATE BANKING
Payments Interface (UPI) infrastructure and implemented
key initiatives like Immediate Payment Service (IMPS) 3.5 The corporate banking segment of your Bank comprises
for better transaction experience and availability to cater to Large Corporate Group (LCG) and Mid Corporate Group
the increased digital transactions. Your Bank also took rapid (MCG). The LCG caters to the requirement of its large
strides in the digital realm to enable online Prepaid Card corporate clients, while the MCG caters to the requirement of
Issuance & Management Process, Account Aggregator mid-sized corporates.
services and Digital Lead Generation for sourcing of Micro, Several policy initiatives taken by the GoI to spur investment
Small & Medium Enterprises (MSME) & Agriculture loan in services, manufacturing and infrastructure sectors is
products. boosting credit demand. Your Bank has been looking at
Your Bank also implemented industry standard functionalities viable financing opportunities in these sectors while adopting
in its mobile banking app such as (i) unified account a selective, calibrated and risk contained approach. Given
dashboard with other bank account details, (ii) revamped the complexity involved in financing large projects and with a
UPI journey, (iii) Mobile Banking activation using Aadhaar view to optimising underwriting standards, your Bank set up
and (iv) Application Supported by Blocked Amount (ASBA) a specialised Project Appraisal Cell at its Head Office during
Initial Public Offers (IPOs) in High Net-worth Individual (HNI) the year.
category. Further, additional facilities such as standing
Your Bank’s Corporate Banking portfolio includes fund
instruction for Public Provident Fund (PPF) and Sukanya
and non-fund based products and services provided to its
Samriddhi Yojana (SSY) accounts, transfer of funds using
corporate customers spread across various sectors.
mobile number, verify beneficiary during IMPS fund transfer,
raise disputes, transfer funds to virtual accounts, dark theme Your Bank’s asset portfolio for corporate clients includes
and multi-lingual capability have also been enabled in the Go term loans for both projects and non-projects, working
Mobile+ banking app. capital (both fund-based and non-fund based), packing
credit and post shipment credit to exporters, bill discounting,
In order to improve its customer experience on net banking,
intra-day limits, etc. Your Bank also offers other products
your Bank introduced new features such as enhanced IMPS
to cater to the needs of its corporate clients such as Short
functionality, ASBA IPO for HNI clients, fraud and dispute
Term Loan – Non-Committed Line, Receivable Buyout, Term
reporting and facility to view Central Know Your Customer
Loan linked to External Benchmark, Bill Discounting linked
Registry (CKYC) number, etc.
to External Benchmark, Funding against Standby Letter of
Conversational banking holds good potential for furtherance Credit, etc.
of digital reach and customer convenience. Your Bank has
Within the ambit of corporate banking, your Bank also places
upgraded its WhatsApp Banking facility to offer key features
due emphasis on Priority Sector Lending (PSL) by offering
like hotlisting of Debit Card, generation of Tax Deducted
products such as channel financing and vendor financing for
at Source (TDS) certificate, re-KYC and personalised
dealers/ vendors of corporates as also lending to Non-Banking
promotional messaging.
Financial Companies (NBFCs) for on-lending to customers
To augment its product portfolio and serve niche customer from the PSL segment. The corporate banking group of your
needs, your Bank launched RuPay Select Debit Card, which Bank works closely with other business/ specialised teams
is a premium category Debit Card with comprehensive travel in Retail Banking, Transaction Banking, Treasury, etc. to
and lifestyle benefits for its High Net-Worth Individual (HNI) develop suitable products and devise appropriate solutions
customers. Your Bank launched a new mobile application to fulfill specific needs of its corporate clients.
based soft-Point of Sale (POS) for merchants to receive
Your Bank continues to follow a calibrated approach in its
payments through cash, contactless card transactions and
corporate loan book growth, in order to maintain a capital
Quick Response (QR) code. Your Bank also introduced
light model while simultaneously aiming at balanced business
Sound-Box solution which is an audio enabled device to alert
portfolio mix. Towards this, your Bank continues to focus
the merchants about receipt of funds.
on fresh acquisition of well-rated corporate accounts
Your Bank has put in place the necessary governance as well as improving business with respect to existing
structure for engaging with FinTechs to achieve its strategic well-rated clients. Furthermore, the Bank has been targeting
objectives of digital transformation, innovation and growth to growth in interest income and fee income through focussed

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Corporate Overview Statutory Reports Financial Statements

improvement in utilisation of sanctioned fund-based and The Retail Collection team drives the collection activities with
non-fund based limits and cross-sell. Your Bank has the help of a team of Collection Officers posted at different
enhanced credit monitoring mechanisms by adopting new Zones/ Regions of the Bank, supported by the Call Centre,
technologies to monitor account level performance to take Collection Agencies, Business Correspondents (BCs)/
pre-emptive measures where stress is anticipated. Business Facilitators (BFs) as well as the branches/ Retail
Asset Centres (RACs) for branch-centric products.
Credit Monitoring Group
The Retail Collection team makes extensive use of the
The Credit Monitoring Group (CMG) in the Bank oversees Bank’s Call Centre and the Collection Agencies to achieve
structured Loan Review Mechanism (LRM), monitors Credit higher resolution rate on collections. The High Risk Accounts
Administration Parameters (CAP) and onset of stress in the emanating from predictive model are monitored to contain
corporate & retail portfolio for preserving and improving the inflow of SMA by RACs/ Branches for focussed collection
overall quality of loan portfolio. and for initiating remedial measures by the field functionaries.
The Early Warning Signal (EWS) Application, which is an In its endeavour to further strengthen its collection mechanism,
important tool in credit monitoring, has been operational since the Bank is at an advanced stage of digitisation of the
December 2019. The system is used to detect stress and collection-related activities. An Integrated Collection &
incipient weakness by using data feeds from internal/ external Recovery Module (ICnRM) Application, which is aimed
sources and generates alerts on regular basis. Risk bucketing at assisting the Bank to identify the stress and deploy
under High/ Medium/ Low risk is carried out in respect of resources effectively, has been developed and is in the
all Corporate and Retail accounts within the system’s final stages of implementation. The digitised processes are
threshold limit, which augments the capability of your Bank aimed at providing a platform for convenient online collection
to identify high-risk accounts and accounts showing early & recovery of dues from delinquent borrowers and also
signs of stress. This enables your Bank to undertake prompt providing a complete & seamless Management Information
and pre-emptive actions and timely corrective measures. System (MIS) for collection-related activities.
A periodic review of the EWS Application is undertaken and
new features are added, in line with continuously evolving Retail Recovery
regulatory requirement and best industry practices. Your Bank continued to aggressively follow up for recovery
of bad loans by identifying and attaching unencumbered
Through its asset monitoring tool ‘SAJAG’, your Bank
properties, ensuring enforcement of securities, opting
monitors the compliances of various Credit Administration
for negotiated settlements, One-Time Settlement (OTS)
Parameters (CAP) which helps to improve the credit culture,
campaigns/ schemes, etc. Your Bank intensified its efforts
to identify incipient weaknesses in the loan portfolio and to
in resorting to all available legal remedies, viz. Securitisation
prevent slippages.
and Reconstruction of Financial Assets and Enforcement
Your Bank uses structured Loan Review Mechanism (LRM) to of Security Interest (SARFAESI) actions, Chief Metropolitan
provide timely feedback on the effectiveness of credit sanction Magistrate (CMM)/ District Magistrate (DM) permission for
and regular follow-up is undertaken to ensure compliance of taking physical possession of mortgaged assets, filing of
policy guidelines, tracking of early warning signals and timely suit in Debt Recovery Tribunals (DRTs)/ Civil Courts for fast
compliance of the CAP. All these initiatives have helped in recovery, etc.
identifying and managing the incipient stress in the accounts Your Bank also conducted mega e-auctions under SARFAESI
and thereby, improving the asset quality of your Bank. Act and auctions through Hon’ble Courts/ legal forums on a
pan-India basis with wide publicity. Your Bank also actively
Retail Collections
participated in National Lok Adalats held every quarter on a
Maintaining a healthy and profitable asset portfolio is one pan-India basis for resolving small value loans.
of the most important objective of the Bank. All efforts are,
therefore, required to ensure that the delinquencies are ASSET QUALITY
within acceptable limits and Non-Performing Assets (NPAs), Your Bank continued to focus its efforts towards
write-offs and provisions are minimum. In this regard, the Bank containment of fresh Non-Performing Assets (NPAs) and
has a dedicated Retail Collection team to control incipient maximising recovery from the existing impaired assets. As at
stress & slippages and collect dues and overdues from end-March 2024, 95.47% of your Bank’s Total Assets were
retail loan accounts. The Retail Collection team’s activities Performing Assets, whereas 4.53% were NPAs. The Bank’s
entail reduction of Pre-Special Mention Accounts, High Risk fresh slippages were at 1.92% of its Standard Advances in
Accounts, Special Mention Accounts (SMAs) and probable/ FY 2023-24. During the year, the Bank’s recovery from
marked First Time Non-Performing Assets (FTNPA). impaired assets and upgrade of NPAs to Performing Assets

dm{f©H$ [anmoQ>© Annual Report 2023-24 47

Management Discussion & Analysis

amounted to ` 2,626 crore. The Bank made adequate Bank has also been following up with Debt Recovery Tribunals
provisions in conformity with extant regulatory guidelines. (DRTs)/ courts on a continued basis and has identified nodal
As a prudent approach, your Bank had Provision Coverage cross-functional team of officers from the Bank’s NMG,
Ratio (PCR) of 99.09% as on March 31, 2024. Legal and Retail Recovery departments for work relating to
the DRTs so as to minimise the delays in obtaining recovery
Your Bank has a dedicated vertical, viz. NPA Management
certificates/ decrees and execution thereof.
Group (NMG), for driving focused and aggressive approach
towards resolution and recovery with account-specific As on March 31, 2024, your Bank classified 364 cases as
strategies and close monitoring of corporate NPAs. wilful defaulters with punitive actions initiated against such
borrowers/ promoters/ directors and declared eight cases as
Your Bank has also set up a centralised desk for cases under
Non-Cooperative Borrowers.
the Corporate Insolvency Resolution Process (CIRP). This
dedicated desk has been playing a proactive role in providing TRADE FINANCE
an overall view by aiding internalisation of learning from the
field and dissemination across teams for navigating through Your Bank has a dedicated Trade Finance (TF) department,
the complexities, thereby enabling the Bank to successfully which offers a wide range of products and services to its
handle the CIRP cases. As of March 31, 2024, a total of 289 corporate and retail customers at competitive pricing. The
cases with an aggregate Gross Principal Outstanding (GPO) offerings range from the most commonly used products
of ` 39,922 crore (including NPAs/ Technically Written-Off such as Inward/ Outward Remittances, Letters of Credit
(TWO) Assets) were undergoing CIRP within the ambit of (LCs), Bank Guarantees (BGs), Standby Letters of Credit
Insolvency & Bankruptcy Code (IBC), 2016. Your Bank was (SBLCs), etc. to more complex domestic and cross-border
able to resolve some cases under CIRP and recovered a sum trade products involving import/ export of goods & services,
of ` 2,049 crore from these cases during FY 2023-24. There pre-shipment & post-shipment export finance, short-term
are few cases in the list of 289 cases in which simultaneously trade credits (buyer’s credit and supplier’s credit), merchanting
recovery has also happened in parts but not fully received. trade, capital account transactions, etc.
Your Bank has a ‘One Time Settlement (OTS) Management Your Bank, as an Authorised Dealer (AD) Category I bank,
System’ which facilitates submission of an OTS application has 38 dedicated TF centres, which are authorised to handle
through its website and also enables end-to-end processing all types of foreign exchange transactions. The Bank’s
of an OTS proposal, including tracking of recovery. Trade Finance products/ services are processed through
Centralised Trade Processing Centres (CTPCs), which
Your Bank has launched a non-discretionary and
operate on a hub-and-spoke model at three major metro
non-discriminatory settlement scheme to expedite recovery
centres, viz. Mumbai, Chennai and Delhi. The CTPCs cater
of dues on settlement basis in NPA/ TWO accounts under
to the needs of all branches of the Bank and thus, facilitate
asset categories Doubtful Assets for more than three years
standardised processing, efficient communication and faster
(DA-3), Loss Assets (LAs) & TWO currently being handled
turnaround time (TAT).
by the Bank’s NPA Management Group with the borrower’s
aggregate GPO up to ` 10 crore and settlement of dues Your Bank has been constantly improving its core banking
with Personal Guarantor (PG)/ Corporate Guarantors (CG) in platform as also has been offering digitised trade processing to
cases with GPO up to ` 10 crore. increase customer engagements and make every step of the
trade operation process seamless and convenient. Your Bank
During the year, your Bank also transferred 11 accounts
has undertaken various IT initiatives to make the transaction
(two NPA accounts and nine Technically Written Off (TWO)
executions faster, error-free and seamless. For instance, the
accounts) with the GPO amounting to ` 1,573.05 crore for
Bank has an internet-based Trade Finance platform, viz.
consideration of ` 460.48 crore (which consists of cash
IDBI eTRADE, which offers flexibility to the customers to
recovery of ` 242.58 crore and Security Receipts of ` 217.90
transact on a 24x7 basis. The Bank has built SWIFT GPI
crore) to the Permitted Entities. Further, your Bank has
capabilities which helps in real-time tracking of cross-border
transferred one Non-Performing Investment with exposure
payments, thereby enhancing customer experience. Your
of ` 170.68 crore for consideration of ` 43.23 crore (which
Bank has partnered with SWIFT India and implemented
consists of cash recovery of ` 6.48 crore and Security
Message Queue Host Adaptor (MQHA) for advanced queue
Receipts of ` 36.75 crore) to the Permitted Entities.
management with encryption that strengthens existing
Your Bank has been pursuing legal action under the security around the message flow for domestic transactions.
applicable laws including enforcement actions under the The SWIFT operations of your Bank are carried out through a
Securitisation and Reconstruction of Financial Assets and Centralised SWIFT Cell (CSC) with utmost due diligence and
Enforcement of Security Interest (SARFAESI) Act, 2002. The multiple validation processes under a secured IT platform to

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Corporate Overview Statutory Reports Financial Statements

ensure smooth and flawless operations. Further, your Bank GOVERNMENT BUSINESS
has laid down policies, processes, Standard Operating
Procedures (SoPs), operating manuals, robust monitoring Your Bank acts as an agent of the RBI in handling receipt
mechanisms, etc. in compliance with regulatory/ statutory and payment transactions of the Central Government and
norms as well as international trade practice guidelines. the State Governments. Your Bank is authorised to collect
Your Bank, through its retail internet banking portal, has Central Government Taxes, viz. Direct Taxes, Customs Duty
enabled online initiation of foreign outward remittances under and Goods & Services Tax etc. Your Bank is actively collecting
the Liberalised Remittances Scheme (LRS) of the RBI. The receipts in 17 States/ Union Territories (UTs) and provides
Bank has a centralised processing set-up for execution of 24x7 internet banking facilities for tax payments. Your Bank
foreign inward remittances up to a certain threshold limit also collects stamp duty in the state of Maharashtra through
favouring individuals that would enable faster/ immediate electronic Secured Bank and Treasury Receipt (e-SBTR) and
credit to its customers. Further, as a measure of efficient Simple Receipt.
service delivery, your Bank has an online Bank Guarantee
(BG) Confirmation Module, which enables beneficiaries of the Your Bank has enabled online collection of dues for
BGs issued by it to obtain online confirmation of issuance of Employees’ Provident Fund Organisation (EPFO) and
guarantees. Employees’ State Insurance Corporation (ESIC). Your Bank
is authorised by the Government of India to offer Small
Your Bank has put in place appropriate operational/ compliance
Savings Schemes viz. Public Provident Fund (PPF), Senior
alerts enabled with round-the-clock fraud monitoring. Your
Citizens Savings Scheme (SCSS), Sukanya Samriddhi
Bank, in its endeavour to mitigate cyber fraud risks and also
Account Scheme (SSA), Mahila Samman Savings
to build effective control mechanism to address Anti-Money
Certificate, 2023 (MSSC) through its branches and it is also
Laundering (AML)/ Combating of Financing of Terrorism
authorised to disburse Central Civil, Defence and Railway
(CFT) concerns in cross-border payments, has instituted
Pension.
effective system control mechanisms in the form of Payment
Controls System & Transaction Screening processes. In
order to ensure additional control, your Bank has put in CASH MANAGEMENT SERVICES
place various system validations to ensure compliance. Your
Bank diligently follows Anti-Money Laundering (AML)/ Know Your Bank is committed to delivering cutting-edge Cash
Your Customer (KYC)/ Combating of Financing of Terrorism Management Services (CMS) designed to empower
(CFT) guidelines, robust Trade-Based Money Laundering corporates in optimising their collections, streamlining
(TBML) red-flagging procedures and the US/ EU sanctions Bulk Payments and optimising cash flow. In line with its
screening for international payments. Your Bank, as a commitment to innovation, the Bank recently upgraded
matter of principle, verifies international cargo movement in its CMS System to leverage the latest advancements.
merchanting trade through the International Maritime Bureau This investment ensures that clients will get benefit from
(IMB). The Bank verifies credentials, core activities, scale of state-of-the-art technology, further enhancing the
business and payment velocity of overseas parties through efficiency and effectiveness of their cash management
Business Information Reports offered by reputed agencies in activities.
order to safeguard the interests of all stakeholders.
Your Bank offers an extensive suite of CMS solution
Your Bank’s bill finance policy covers purchase/ discount/ encompassing collections, payments and transaction
negotiation of all genuine bills arising out of trade in Indian banking, tailored to meet the diverse needs of corporate
Rupee (INR) and Foreign Currency (FCY). Your Bank has clients, empowering them with full control over their liquidity
covered all its clients availing export credit under Whole position.
Turnover Export Credit Insurance for Banks (ECIB) policies
offered by the Export Credit Guarantee Corporation of India Your Bank offers advanced technology solutions like Liquidity
(ECGC). Management Solutions, which includes Corporate Liquidity
The Bank has developed a widespread network of Management Solution (C-LMS), Government Liquidity
correspondent banking arrangements with around 650 banks Management Solution (G-LMS) and CMS products such
across the globe through bilateral Relationship Management as National Automated Clearing House (NACH), Virtual
Application (RMA) and consequently is able to render trade Remitter Identification Code (VRIC), Utility Payments
and non-trade services across the world. The Bank has through Bharat Bill Payment System (BBPS), Direct Debit,
Nostro arrangement for remitting funds in 11 currencies FASTag etc. Additionally, your Bank provides customised
directly and also handles remittances in 120 currencies e-solutions seamlessly integrated with client systems through
across the globe through correspondent bank arrangement. Host-to-Host technology.

dm{f©H$ [anmoQ>© Annual Report 2023-24 49

Management Discussion & Analysis

Your Bank is authorised for participation in Indian Railways receiving Foreign Portfolio Investment (FPI) inflows on
e-freight payment system across 12 Zones. Your Bank has account of bond index inclusion in JP Morgan bond indices
launched new age digital products under the CMS suite such starting from June 2024. The RBI’s decision to keep the policy
as (i) Quick i-Pay, which is an institutional collection product repo rate unchanged in FY 2023-24 led to gradual decline
that enables institutions in Business-to-Consumer (B2C) in bond yields. Your Bank capitalised on the opportunities
segment to collect dues from their customers through all offered by yield movements and actively managed the
possible online and offline modes using one single system portfolio efficiently to maintain yields at 7.04% on total SLR
and (ii) Electronic Fixed Deposits - Suvidha eFD, which is an investment of ` 85,849 crore (including profit on sale) during
online facility for Stock Brokers to allow them to place their FY 2023-24.
margin deposits with National Stock Exchange of India Ltd.
Your Bank continues to be an active player in G-Sec market
(NSE) in a seamless manner.
as a Primary Dealer (PD). The PD desk ensures that the
Bank meets all the regulatory requirements like bidding
TREASURY OPERATIONS commitment and turnover ratio for G-sec and success ratio
Your Bank has integrated Treasury operations in various for T-bill auctions, etc.
market segments like Money Market, Fixed Income, Foreign Your Bank also provides Constituent Subsidiary General
Exchange, Derivatives and Equities. Your Bank’s Treasury Ledger (CSGL) service to Gilt Account Holders (GAHs).
operations involve active role in balance sheet management, Further, in order to provide liquidity in the secondary market
liquidity management, maintaining Cash Reserve Ratio (CRR) for retail investors under the RBI Retail Direct facility, your
and Statutory Liquidity Ratio (SLR), trading and investments Bank also undertakes market making by providing buy/
in market instruments, forex transactions and derivatives. sell quotes to the retail investors on the NDS-OM platform
(odd-lot and Request for Quotes segment). Your Bank
Your Bank’s Treasury is responsible for adherence to provides retailing of G-Sec through IDBI Samriddhi platform,
regulatory requirement of CRR. Your Bank was compliant which is a web-traded portal wherein retail investors can buy/
with the regulatory requirement by maintaining CRR at 4.50% sell G-Sec online and through the Bank’s ATMs.
in FY 2023-24.
Your Bank’s Treasury has an active forex interbank and
The banking system liquidity during FY 2023-24 moved from derivatives desk. The forex interbank desk provides
surplus to deficit in mid-September 2023. The RBI continued competitive forex rates to the clients. In order to further
to nimbly manage liquidity operations using both Variable enhance its forex business, your Bank introduced
Rate Repo (VRR) and Variable Rate Reverse Repo (VRRR). Two-Way Market Making/ Trading in Cross Currencies with
To actively manage liquidity, the Bank’s Treasury used various the banks in India through automatic system-driven trading.
instruments such as Liquidity Adjustment Facility (LAF), This is expected to increase volume and profitability of your
Marginal Standing Facility (MSF) and Open Market Operation Bank’s forex business. More importantly, it is expected to
(OMO) of the RBI as well as other market instruments/ increase your Bank’s market presence in the forex market.
platforms such as Triparty Repo (TREPS), Clearcorp Repo The Bank’s Derivatives desk provides various interest rates
Order Matching System (CROMS) and Call & Notice money. and exchange rate hedging solutions to clients to meet their
The surplus liquidity was deployed in various short term hedging requirements.
instruments like Certificates of Deposits, Liquid Mutual Funds
and lending in Call/ Notice/ Term Money, Forex Deposit Your Bank’s Treasury is supported by a pan-India sales team
placements, etc. across 13 centres for effective marketing of foreign exchange,
fixed income and derivative products. The sales team works
Your Bank’s Treasury has been actively participating in closely with all the relationship managers of the Bank to cater
the auction of Government Securities (G-Sec)/ State to the large, medium and small corporate retail clients. The
Development Loans (SDL)/ Treasury Bills (T-Bills) for its trading/ team members proactively interact with the clients to provide
investment portfolio. Your Bank was compliant with the solutions for them to effectively manage their exposures in
regulatory guidelines by maintaining minimum SLR of 18% in currencies, rates and also advise them with investment
FY 2023-24. The Bank’s aggregate investment in SLR solution in Debt instruments (G-Sec, Non-SLR Bonds, etc.).
securities was ` 85,849 crore as on March 31, 2024 with an The sales team also leverages its reach to cross-sell other
annualised growth of 17%. products of the Bank. The Bank has set up a centralised forex
desk at its Head Office to streamline covering process and
The 10-year Government security benchmark traded in a improve efficiency of forex transactions. The Bank’s Equity
narrow range of 6.95%-7.40% in FY 2023-24 with downward Desk trades in financial instrument to earn trading revenues
bias in the last quarter with the debt market continuously through short term and medium term price movements.

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Your Bank has an outstanding investment of ` 23.98 crore The Medium Term Note (MTN) Bonds rated by foreign rating
in Venture Capital Funds (VCF) (as defined by erstwhile SEBI agencies, viz. S&P Global Ratings (S&P) and Fitch Ratings
regulations during 1996). (Fitch), were fully repaid on November 30, 2020. Hence, the
Bank had terminated the rating engagements/ agreement
The RBI, vide its Master Direction on Classification, Valuation
with them on May 21, 2021, for various issues made under
and Operation of Investment Portfolio of Commercial Banks
the MTN Bond Programme. Accordingly, rating for Foreign
(Directions), 2023, revised the classifications, valuations,
Currency Borrowings stands withdrawn.
income recognitions, accounting and presentation of
investment portfolio and derivative contracts, with effect from RISK MANAGEMENT
April 1, 2024. Your Bank has implemented the guidelines as
on April 1, 2024. The risk management strategy of your Bank essentially
focusses on the fundamental tripod, viz. identification,
CROSS-BORDER BRANCHES measurement and monitoring. While identification enables
the Bank for further analysis and assessment, measurement
Your Bank’s International Banking Unit (IBU) at Gujarat
empowers the Bank to manage risk effectively. This
International Finance Tec-City (GIFT City) commenced its
strategic approach allows the Bank to attain improved
operations on May 6, 2016. The IBU comes under the Kandla
decision-making and derive confidence therein through
Special Economic Zone (SEZ) of GIFT and its functioning
available risk management tools. A well-defined policy
is regulated by the provisions/ guidelines issued by the
framework outlining appropriate limits and procedural
International Financial Services Centres Authority (IFSCA).
aspects enables the Bank to mitigate and manage risk
Besides other products, the Bank’s IBU also focusses on
within its overall risk appetite. Periodic policy updates
funding against Buyers’ Credit (BC) and External Commercial
attempt to ensure further refinement in risk management
Borrowings (ECBs) for eligible Indian corporates. Your Bank’s
practices by capturing the essence of business dynamics,
GIFT City branch also offers product IBU Term Deposit and
banking innovations, emerging risk scenarios and regulatory
Reimbursement Authorisation (RA) Financing.
changes. Your Bank constantly endeavours to improve its
As a part of its business strategy, your Bank had initiated risk management culture by spreading risk awareness across
closure of operation in Dubai in FY 2022-23. After obtaining all the verticals and making it an integral decision-making
necessary approval, the process of closure of DIFC Branch criterion. While the Risk Management Committee (RMC) of
was completed in FY 2023-24. the Board is responsible for overall risk management, the
day-to-day activities are conducted at various levels based
CREDIT RATING on the risk governance structure. The risk management
systems and processes are continuously upgraded in
Your Bank obtains credit ratings for both its domestic and
alignment with the regulatory requirements. For a more robust
foreign currency borrowings. The rating action during
and technologically advanced risk management system,
FY 2023-24, along with current ratings for the Rupee
your Bank has implemented Integrated Risk Management
resources as on March 31, 2024, are as follows:
Architecture (IRMA) comprising software solutions, viz.
Ratings for Rupee Borrowings Credit Risk Assessment Module (RAM), Capital Assessment
Rated Instruments CRISIL ICRA India Rating CARE Model (CAM) and Comprehensive Operational Risk Evaluator
Rating action in Jan 2024 Aug 2023 Dec 2023 Dec 2023 (CORE). IRMA helps to identify and measure credit and
Fixed Deposit CRISIL AA/ [ICRA] AA-/ IND AA-/ -
operational risks which in turn facilitates formulation of
Stable^ Stable^^ Stable^^^
Short Term Borrowings CRISIL A1+ [ICRA] A1+ IND A1+ CARE A1+
suitable risk management strategies. Further, the Bank has a
(Certificate of Deposit) well-established Financial Analytical Application for its Asset
Long Term Rupee Bond CRISIL AA-/ [ICRA] AA-/ IND AA-/ - Liability Management (ALM), Fund Transfer Pricing (FTP),
(Senior and Lower Tier Stable& Stable^^ Stable^^^#
II Bonds)
Profitability Management and Liquidity Risk Management.
Hybrid Upper Tier II Withdrawn - - -
Bonds
Risk Management Processes
Hybrid – IPDI (Basel II) Withdrawn - - -
The Bank documents its risk review process in terms
Tier II Bonds (Basel III) CRISIL AA-/ [ICRA] AA -/ IND AA-/ CARE AA-/
Stable& Stable^^ Stable^^^ Stable% of various policies and established practices to ensure
transparency, accountability and consistency in evaluating
Note:
^ - Rating upgraded to CRISIL AA/Stable from CRISIL AA-/Stable and managing risks across all operations and portfolios.
& - Rating upgraded to CRISIL AA-/Stable from CRISIL A+/Stable The Bank has a well-defined policy framework to incorporate
^^ - Rating upgraded to [ICRA] AA-/Stable from ICRA A+/Positive
^^^ - Rating upgraded to IND AA-/Stable from IND A+/Stable
and implement risk management process at various levels
# - Only Senior Tier II bonds has been rated which are demonstrated through measures outlined in this
% - Rating upgraded to CARE AA-/ Stable from CARE A+/Positive section of the Annual Report.

dm{f©H$ [anmoQ>© Annual Report 2023-24 51

Management Discussion & Analysis

Implementation of Basel Norms for assessment of operational risk capital requirement as

proposed by the RBI. A comprehensive set of Key Risk
In adherence to the Pillar 1 guidelines of the RBI under Basel III Indicators (KRIs) and Risk & Control Self-Assessment (RCSA)
framework, your Bank computes regulatory capital requirement framework was rolled out across different business segments
for credit, market and operational risks on a monthly basis. In for augmenting risk culture and ensuring effective control
addition, banks in India are mandated to maintain the Capital mechanism. For Market Risk, your Bank follows Standardised
Conservation Buffer (CCB) of 2.50%. Your Bank also keeps a Measurement Method (SMM) to compute regulatory capital
close watch on the movement of Capital to Risk (Weighted) requirements.
Assets Ratio (CRAR) at monthly periodicity. Your Bank’s
‘Total Capital + CCB’ ratio was 22.26% as on March 31, 2024 Credit Risk
against the regulatory requirement of 11.50%. Similarly, your
Bank’s ‘Common Equity Tier 1 (CET1) + CCB’ ratio was 20.11% The Credit Risk Management system in your Bank includes the
as against the regulatory requirement of 8.00%. Your Bank’s Risk Assessment Model (RAM) for credit rating of proposals
‘Tier 1 + CCB’ ratio stood at 20.11% as on March 31, 2024 and Capital Assessment Model (CAM) for automation of
as against the regulatory requirement of 9.50%. Your Bank’s capital adequacy assessment. The Bank’s Credit Policy
Leverage Ratio as on March 31, 2024 was 8.53% against is reviewed periodically in line with changing business
the minimum regulatory requirement of 3.50%. Your Bank objectives and economic environment and forms the guiding
has a Board-approved policy on Internal Capital Adequacy tool for the business verticals. As per the Board-approved
Assessment Process (ICAAP) in line with the Pillar 2 norms structure, the Credit Risk Management Committee (CRMC),
of the Basel III framework. This policy enables your Bank inter alia, ensures implementation of Credit Policy strategies
to internally assess and quantify those risks which are and monitors credit risk on bank-wide basis. In addition to
not covered or not adequately covered under Pillar 1 as Risk Assessment Model (RAM)/ score-based internal rating,
well as to develop appropriate strategies to manage and the Bank has also developed Quantified Risk Scoring Matrix
mitigate risks under normal and stressed conditions. Your (QASM) for risk-categorisation of high-value Corporate and
Bank has also put in place a comprehensive stress testing Micro, Small & Medium Enterprise (MSME) loans.
framework in line with the RBI guidelines. The stress testing
framework enables your Bank to assess its performance Your Bank has rolled out the upgraded credit risk assessment
under exceptional but plausible events/ scenario and application, viz. ICON (Intelligent Credit Origination), for
facilitates in framing appropriate proactive strategies to meet business users. The updated ICON application is agile, flexible
unforeseen contingencies. The stress testing framework also and is based on cutting–edge technology. It has various new
includes scenario analysis, multifactor sensitivity analysis and features which will help in smooth and efficient internal rating
reverse stress testing. Scenario analysis covers a study on and credit decision making.
impact of further increase in Gross NPAs, crystallisation of Your Bank developed a centralised Model Repository System
non-fund facilities in Non-Performing Assets (NPAs) & (MRS), which was launched in January 2024. The MRS would
Technically Written-Off (TWO) accounts and impact of illiquid enable the verticals to monitor their respective models on an
securities on capital and profitability of the Bank. The Bank e-platform in respect of documentation, review, validation
uses the mechanism of reverse stress testing to ascertain and agreement execution.
the level of stress which may adversely impact the capital
and profitability of the Bank to take it to a pre-determined Market Risk
floor level. Your Bank has adopted a Disclosure Policy in
accordance with the Pillar 3 requirements under the Basel The Market Risk Management in your Bank, in terms of
norms. Accordingly, disclosures as at the end of each quarter functions and business positions, operates in line with the
are hosted on your Bank’s website, thereby exhibiting high policy framework defined in the Market Risk & Derivative
degree of transparency. Your Bank has also laid down a Policy and the Investment Policy. These policies, in
Reputational Risk Assessment and Management Policy to general, outline the appropriate levels of risk appetite and
proactively assess the risks posed to its reputation and the implementation mechanisms for measurement, monitoring,
related consequences, along with the measures to contain reporting and escalation of risks and exceptions. With the
them. Your Bank has also put in place Group Risk Assessment implementation of Integrated Treasury Management System
Policy to monitor and minimise the overall risk profile at the (ITMS), market risk management efficacy of your Bank has
group level. Your Bank follows the Standardised Approach been further strengthened. All the prescribed limits and
under Credit Risk for computation of capital charge. Your procedures are monitored closely by the Treasury Mid-office,
Bank follows Basic Indicator Approach (BIA) to compute which is independent of the Front-office and the Back-office
regulatory capital charge for Operational Risk. Your Bank of Treasury. Trading positions are monitored against limits at
is in readiness to implement new standardised approach portfolio as well as dealer level. Assessment of Non-Statutory

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Liquidity Ratio (NSLR) Bonds is carried out through in-house collated and presented to the Operational Risk Management
developed internal rating based model in order to create a Committee (ORMC) along with the root cause analysis.
robust Non-Statutory Liquidity Ratio (NSLR) Bond portfolio.
Your Bank also conducts stress testing exercises on a
Market risk is monitored through various metrics and tools,
quarterly basis in order to study the impact of stressed
viz. limits on positions, gaps, Modified Duration (MD), PV01,
operational risk losses on its earnings and capital. This is
Day Light Exposure and Net Overnight open Position (NOOP).
aided by measurement and reporting of any breach in the
The Bank also assesses risk with the help of Value-at-Risk
Board-approved Risk Appetite limits for operational risk.
(VaR) metrics and regular stress testing.
At present, the Bank has adopted the Basic Indicator
Liquidity Management Approach (BIA) for computation of Operational Risk
Regulatory Capital and Risk Weighted Assets. At the same
The Bank has a well-organised liquidity risk management time, the Bank is also ready with Operational Risk Regulatory
structure as enumerated in the Board-approved Asset Liability Capital Computation under Basel III Standardised approach,
Management (ALM) Policy. The Asset Liability Management which shall replace existing BIA. Your Bank has created a
Committee (ALCO) of the Bank monitors and manages centralised platform for digital hosting of all internal policies,
liquidity and interest rate risk in line with the business strategy. products, manuals and Standard Operating Procedures
The Asset Liability Management (ALM) activities including (SOPs) at one place in order to ensure timely updation and
liquidity analysis and management are conducted through easy access to the employees.
co-ordination amongst various Asset Liability Management
Committee (ALCO) support groups in the functional areas Business Continuity Management
such as Balance Sheet Management, Treasury Front-office, Your Bank has robust Business Continuity Management
Budget & Planning, etc. The Asset Liability Management (BCM) processes to mitigate business disruptions and
Committee (ALCO) directives and Asset Liability Management life-threatening events. Your Bank has been awarded ISO
(ALM) directions are implemented by the business groups 22301:2019 certification for its bank-wide coverage of
and verticals concerned. As per the regulatory guidelines, the Business Continuity Management. As a part of the Business
Liquidity Coverage Ratio (LCR) of the Bank is computed on Continuity Management (BCM), a well-defined Business
a daily basis with effect from January 1, 2017. The average Continuity Plan (BCP) has been put in place for core and
Liquidity Coverage Ratio (LCR) of the Bank remained at support functions. This is intended to provide continuity in
119.84% for the quarter ended March 31, 2024. Your Bank services to customers even in case of business disruption/
implemented the Net Stable Funding Ratio (NSFR) from disaster. Besides, a comprehensive Disaster Management
October 1, 2021 in line with the RBI directives. The Bank’s Plan (DMP) is deployed for its major establishments to
Net Stable Funding Ratio (NSFR) as on March 31, 2024 was safeguard human lives and minimise damage to valuable
118.87%. assets during disaster. Resilience of the Business Continuity
Operational Risk Plan (BCP) and Disaster Management Plan (DMP) is
tested periodically through BCP testing exercises, disaster
Your Bank has a robust Operational Risk Management recovery including holistic drill and mock evacuation drills.
Framework (ORMF) which includes an organisational The Bank’s Business Continuity Management System is
set-up comprising the Board of Directors, Risk Management well-equipped with an automated incident reporting tool, viz.
Committee (RMC) of the Board, Operational Risk Management Integrated Disaster and Business Continuity Management
Committee (ORMC), Operational Risk Management System (i-DaB). In order to ensure uninterrupted delivery of
(ORM) section in the Risk Management Department and critical services to customers, the Bank has developed a
nodal officers from various functions/ departments. The mobile-based application, viz. ion BCP, to enable hassle-free
operating procedures for operational risk are guided by the instant invocation and execution of the Business Continuity
Board-approved Operational Risk Management Policy which Plan (BCP) by the disrupted branches.
aims at identifying, monitoring, measuring and managing
operational risks associated with banking activities. Your Information Technology Risk
Bank has robust internal systems and procedures for Your Bank has taken a series of steps to improve its
mitigation of inherent risks spread across various business Information Technology (IT) risk management and control.
activities/ operations. It manages the operational risks Your Bank has set up a state-of-the-art Security Operation
through Key Risk Indicators (KRIs) and Risk Control Self- Centre (SOC) at its Data Centre (DC) at Navi Mumbai and
Assessment (RCSA) exercises and periodically updates these at Disaster Recovery (DR) site at Chennai to ensure high
outcomes to the Operational Risk Management Committee availability of the Bank’s systems. The 24x7 Security Operation
(ORMC) and the Risk Management Committee (RMC) of the Centre (SOC) is a Command Centre for countering cyber
Board. Operational risk loss events from across the Bank are threats and ensuring compliance with the Bank’s Information

dm{f©H$ [anmoQ>© Annual Report 2023-24 53

Management Discussion & Analysis

Security Policy and Cyber Security Policy besides fulfilling the and provides direction on the status of observations identified
Bank’s objective of providing safe and secure banking to its through Vulnerability Assessment & Penetration Testing
customers. Further, through the Security Operation Centre (VAPT)/ Application Security Testing (AppSec) process. The
(SOC), your Bank centrally monitors security devices like cyber security posture, various security incidents and the
firewalls, routers, Intrusion Detection System (IDS) devices/ policies are placed before the IT Strategy Committee of the
Intrusion Prevention System (IPS) devices, Privileged Identity Board (ITSCB) for necessary directions. The policies are
Management (PIM), antivirus, phishing/ malware attempts recommended by ITSCB to the Board for approval.
and takes corrective actions. Your Bank regularly conducts
Several information security solutions have been
Vulnerability Assessment & Penetration Testing (VAPT) of
implemented like Privileged Identity Access Management,
external applications, viz. Finacle E-Banking Application
Next-Generation-Firewall Solution, Mobile Device
(FEBA), mobile banking, mail messaging, etc.
Management, Honeypot Solution, Patch Management
Your Bank has successfully implemented the RBI’s Solution, Active Directory, Web/ Mail Gateways, Endpoint
recommendations pertaining to Information Security, and Universal Serial Bus (USB) encryption, Data Leakage
Electronic Banking, Technology Risk Management and Cyber Prevention (DLP) solution, Advanced Persistent Threat (APT),
Frauds and the RBI’s Cyber Security Framework for banks. Network Access Control (NAC), Web Application Firewall
Your Bank has put in place an appropriate organisational (WAF) etc. to protect customer data, prevent external attacks
framework, as recommended in the guidelines, which as well as strengthen internal controls.
includes an exclusive Information Security Group headed by
the Chief Information Security Officer (CISO) who reports to Fraud Risk Management
the Chief Risk Officer (CRO) of the Bank. Your Bank has a dedicated Fraud Risk Management
Your Bank has put in place distinct Information Security Group (FRMG) which focusses on risk-based monitoring
Policy, Cyber Security Policy and Cyber Crisis Management of suspicious transactions across various digital banking
Plan, which articulate management intent and direction for platforms & applications. In order to achieve fraud detection
addressing cyber security risks. Your Bank conducts and and real-time prevention, the Bank deploys detection rules
participates in various types of cyber drills, table-top exercises, and predictive analytical models within the high performance
phishing simulation exercises and breach readiness exercises Enterprise-wide Fraud Risk Management Solution (EFRMS).
to check and maintain the health of its information security The risk-based suspicious transaction monitoring activity
set-up. which operates on 24x7 basis, has been extended to
cover all digital channel transactions encompassing Debit
Information Security Awareness has been included as a
Cards, Credit Cards, Mobile Banking, Internet Banking,
mandatory session in the Induction Programme for new
Unified Payments Interface (UPI) and Aadhaar Enabled
recruits of the Bank. The members of the Senior Management
Payment System (AEPS). During FY 2023-24, the Bank has
of the Bank attended IT Risk programme at Institute for
progressively implemented decision making authorisation
Development & Research in Banking Technology (IDRBT).
rules and alerting queues to scan the entire digital transaction
Apart from conducting regular information security awareness
landscape. This mechanism empowers customers of your
programmes for the employees, various information security
Bank to transact and make their digital payments in a more
precautions are also communicated to customers through
safe and secured environment.
mailers, SMSes, ATMs and posters, to minimise/ thwart
the attempts of security breach. The Bank observes the Climate Risk Management
‘Cyber Jagrookta (Awareness) Diwas’ on the first Wednesday
of every month in line with the GoI guidelines. Moreover, The Bank has integrated climate risk management into its
the Bank has also extended cyber security related hygiene risk management process by assessing climate related risks
programme for Select Vendor supported outsourced staff. across its lending portfolio. This involves identifying exposures,
evaluating potential impact and regularly monitoring of such
IT infrastructure and systems have been implemented within portfolio. The Bank’s Credit Policy stipulates restrictions
a robust information security framework including solutions on environmentally detrimental industries such as those
on both perimeter and end-points. Your Bank’s Data Centre producing/ consuming ozone depleting substances while
(DC), Disaster Recovery Centre (DR) as well as Near DR Centre encouraging sustainable financing. The Bank also has a
(NDR) are certified with the latest ISO 27001:2013 information Board-approved policy on Green Deposits and Financing
security standards. Your Bank’s Near DR ensures zero data Framework. The Bank also encourages financing to
loss for critical transaction systems. The Information Security Renewable Energy through its lending to various segments
Steering Committee (ISSC) of the Bank provides directions like Solar Energy/ Solar Panel for Residence, Compressed
and guidance for mitigating IT risk in the information systems Bio Gas, Commercial/ Passenger Electric Vehicles, etc. The

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Corporate Overview Statutory Reports Financial Statements

Bank’s internal rating system also captures environmental and Employee Engagement Department and to align learning
risks as part of credit risk assessment of a borrower. The programmes with the Bank’s vision, mission and goals.
well-defined Internal Capital Adequacy Assessment Process Customised behavioural & functional programmes were
(ICAAP) Policy of the Bank acknowledges the climate meticulously designed based on zone & vertical specific
risk to be studied as one of the material risks being faced learning needs, fostering holistic employee development.
by the Bank. The Bank is in the process of developing These programmes were conducted at the Bank’s Head
narrative-driven scenario analysis to assess potential risk Office, Mumbai, IDBI Training College, Hyderabad and IDBI
emerging out of climatic changes to its exposure. As part of Learning Centres (ILCs) across the country.
internal capital adequacy assessment, the Bank is assessing
physical risk on a medium term, for its agriculture and
Aarohan 2: Our Journey to Excel-
residential real estate portfolios. lence – An extensive behavioural science
programme focusing on customer experi-
Emerging Risk ence, employee engagement and positive work
The Bank recognises risks like climate changes, cyber culture
security threats and other emerging risks in the near term
Your Bank recognises the significance of fostering a positive
and endeavours to take proactive measures to address such
work culture where employees work as a team, continuously
risks. The climate risk not only poses threat to the Bank’s
acquire new skills and proactively initiate actions to enhance
assets, lending and operations but also creates opportunities
customer experience, going for an extra mile to make a
in sustainable projects.
meaningful impact on customers’ lives. To instill this ethos, an
Information security risks demand robust cyber security in-house mass behavioural science program was developed,
protocols and continuous monitoring to safeguard customer focusing on the Bank’s core values– Customer Connect, Take
data and financial integrity. Constant vigil over cyber security, Initiatives & Make a Difference, Imbibing Work Culture and
external certification/ validation, etc. are some of the focus Transform with Changes with a novel concept of flourishing
areas for the Bank. ‘Happiness Tree’.
By integrating climate risk management and cybersecurity A total of 515 programmes have been conducted covering
measures into its operations, the Bank not only mitigates 14,558 employees (94% of eligible employees) up to grade
potential impacts but also demonstrates its commitment to ‘D’ in FY 2023-24.
sustainability and safeguarding customer trust in a VUCA
(Volatility, Uncertainty, Complexity and Ambiguity) world. Capacity Building - Strengthening Foundation

MANAGEMENT, CONTROLS AND (i) Role-based Workshops for various branch roles
SYSTEMS Your Bank has initiated role-based workshops for
various positions in the branches, including branch
HUMAN RESOURCES heads, asset officers, service and operation managers,
Your Bank has always been driven to build an agile and relationship managers, customer service executives
future-ready organisational environment for its employees to & teller service executives. These workshops
excel and realise their aspirations. comprehensively covered functional and behavioural
While mitigating the various business challenges, your sessions while emphasising on compliance, control
Bank has undertaken a significant re-alignment of strategy, and ethical practices. The aim is to bridge knowledge
structure, systems and technology. Efforts to realign employee & skill gaps and to develop confidence in employees as
experience has always been at the heart of all such strategic they take on new or existing roles.
interventions. There has always been a focus to create a A total number of 260 role-based workshops were
culture which is a blend of market and employee orientation. conducted covering 4,070 participants across zones
in FY 2023-24.
LEARNING AND EMPLOYEE
ENGAGEMENT DEPARTMENT (ii) Online Capsule Programmes – MSME & Agri
Gyanshala and KYC Excellence Drive
IDBI Learning Ecosystem: Invest in learning and Your Bank has initiated efforts to develop employees
make a difference in specialised areas such as MSME and Agriculture
Your Bank is committed to employee development, through online capsule programmes. These
focussing on learning and employee engagement to enhance programmes are conducted after business hours,
professional excellence. During FY 2023-24, your Bank has reaching employees at their desks. The goal is to
implemented numerous initiatives to strengthen the Learning target the branch in place of individual employees,

dm{f©H$ [anmoQ>© Annual Report 2023-24 55

Management Discussion & Analysis

as the programmes are conducted through Microsoft at ISB, Hyderabad, which was attended by 53 senior
Teams meeting in a hand-holding manner to facilitate executives.
maximum branch participation. In FY 2023-24, 234
online capsule programmes on MSME Gyanshala, Nurturing young talent – Reviewed institutional
Agri Gyanshala and KYC Excellence Drive have been tie up programmes & induction programmes
conducted and attended by 4,193 employees.
Developing future leaders has always been a priority for your
Developing Compliance Culture - Dedicated Bank. To enhance their on-boarding experience, enhance
Programmes on Compliance, Control & Ethics their competencies, familiarising them with the Bank’s work
(CCE) culture, growth opportunities, their roles & expectations etc.,
institutional tie-up programmes and induction programmes
Your Bank has proactively conducted an exclusive program for assistant managers & lateral recruits have been reviewed
on Compliance, Control and Ethics which was attended to maintain a competitive edge.
by 85 Zonal Operation Managers and Regional Operation
Managers (94% of eligible employees). This initiative, under Foreign Training Programmes
the guidance of the top management, sought to instill a culture
To broaden the exposure and expertise of employees in
of compliance as an integral part of daily work. Additionally,
relevant areas, your Bank nominated eight eligible employees
dedicated sessions on Compliance, Control and Ethics have
for foreign training/ seminars.
been incorporated in functional programs.
Learning programmes as per Business Respon- Specialised External Training Programmes
sibility and Sustainability Report (BRSR) Your Bank arranged specialised external training programmes
(i) Program on Environment, Social and Governance for 733 selected employees in collaboration with external
(ESG) institutes/ faculty, catering to their specific needs in various
domains such as risk & compliance, information technology,
ESG-adoption by organisations offers a competitive credit, treasury, etc.
advantage, instill investors’ confidence, earns
appreciation from regulators for risk management Collaborative Learning - Location Convenience
& enhanced transparency, builds customer loyalty, Programmes
improves financial performance and promotes
operational sustainability. To drive the adoption of ESG Your Bank has worked on a new approach of location
processes at crucial levels, your Bank in collaboration convenience program, by developing customised program
with the Institute of Directors, organised a programme based on the collective concerns of nearby branch clusters.
on Environment, Social and Governance (ESG) for These programmes are conducted in the evenings at branch
the Board members, top executives and senior locations by the facilitators ensuring minimal disruptions to
management. daily operations.

To spread awareness among other employees about Partnering with Business & Compliance - Vertical
ESG importance & implementation, an e-learning need-based programmes
module has been assigned to them and it is completed
by 93% employees in FY 2023-24. Your Bank remains dedicated to fostering the well-rounded
growth of its employees. In alignment with the requirements of
(ii) Wellness program & Human Rights Awareness for different verticals, 63 exclusive programmes were organised
subordinate & clerical employees covering 1,604 participants, leveraging both internal and
Your Bank has conducted wellness & human rights external expertise. This includes major initiatives for treasury,
awareness program for subordinate staff & clerical credit, audit, retail, operations and other essential areas.
employees across zones and covered 88% of its
Digitisation of Mandatory Learning Programmes
employees.
Mandatory learning programmes as per the regulatory
Management Development Program for Senior
guidelines have been developed into e-learning modules to
Management at ISB, Hyderabad provide convenience and easy access to employees. This
In order to enrich skill sets, fostering adaptability to change, approach has yielded good results with a higher completion
gaining strategic insights, facilitate succession planning and percentage by all the employees. Compliance & Customer
provide insights into the latest trends, your Bank conducted a Service which have been the major focus areas, have been
management development program for senior management completed by 98% of eligible employees upto grade ‘F’.

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Updation of OJAS (e-learning) Modules movement of officers, including officers holding sensitive
positions, is guided by the framework provided in Officers’
In order to facilitate convenient access to the latest Rotation and Transfer Policy.
developments, Bank guidelines, products & processes to
the employees, your Bank has undertaken efforts to update Employee Benefits & Well-Being
e-learning modules. These modules are accessible online, Your Bank has curated an employee experience that helps
including on mobile phones. them perform better, have a sharper focus at their jobs and
feel a sense of belonging, accomplishment and fulfilment in
Organising Learning Programmes for other
their work. Your Bank has designed all employee policies and
Banks/ NBFCs processes with a ‘human-centric’ approach.
Your Bank conducted 30 offline/ virtual learning programmes Health & Well-being
for other banks in various areas, leveraging internal and
external expertise. This initiative strengthens connect with Your Bank provides medical facilities for its employees
other institutes and helps exploring future collaborations for and their dependents, which include hospitalisation cover,
mutual benefit. reimbursement of domiciliary treatment, comprehensive
health check-ups, services of Bank Medical Officers at major
Learning Activities for Employee Engagement centres, etc. In order to take care of its employees’ emotional
well-being, your Bank has introduced an Employee wellbeing
To inculcate a habit of continuous learning, your Bank has and Assistant Programme, viz. i-Care, wherein the employees
launched various employee engagement activities such can seek support from trained professional counsellors.
as ‘Learning Wednesday’ – a dedicated day for updating
knowledge and learning new skills in a team by the employees Financial Assistance
at branches, regions, zones & verticals, ‘IDBI Knowledge Your Bank extends loans and advances at soft rate of interest
Cup’ – a Bank-level quiz competition wherein teams of 76 and concessional terms of repayment which enables its
regions participated in the first round, winner teams reached employees to fulfil their dreams of owning their dream home/
the second round and the final round was conducted among car. There is also a provision for carry forward of repayment
zone winners, ‘Rapid Fire on Compliance’ - which was of home loans beyond the age of retirement.
conducted on the last day of all functional programmes in
ILCs and IDBI TC. This collaborative learning approach is Scholarship for wards of employees
yielding positive outcomes. During FY 2023-24, your Bank disbursed Dr. B. R. Ambedkar
Scholarship to the children of Class III & IV employees from the
Knowledge updation through e-Publications Scheduled Castes (SCs)/ Scheduled Tribes (STs) category.
For knowledge updation on the Bank’s products, processes Compassionate Schemes
& guidelines and enhancing awareness of current economic
To ensure that bereaved family members of employees who
conditions, the world economy, regulator’s guidelines
die in harness do not face financial difficulties and to tide over
etc., your Bank has developed internal e-publications and
such circumstances, your Bank has put in place schemes
uploaded on Intranet - ‘QBank’ which is a Question Bank for
to provide compassionate appointment to dependent family
knowledge updation and was visited by 15,182 employees
members/ payment of ex-gratia amount for financial support.
during the year and ‘GK+’ which is prepared for awareness
Life insurance cover is provided to all employees and all
about the economy, regulator guidelines and the world
outstanding staff loans, including clean overdraft facility, are
around us.
covered under insurance schemes.
Manpower Deployment Legal & Financial Assistance

Your Bank has a robust manpower deployment mechanism Your Bank has put in place a scheme for extending financial
for facilitating the organisational and the statutory and legal assistance to its Directors/ Officers/ Employees
requirements while keeping in view employees’ interest as and also, a Directors & Officers Liability Insurance Policy
well. The placements are done to develop competencies and (D & O Policy).
skills of the officers through exposure to wider and diverse
Industrial Relations
operational areas. This is also facilitated through the capacity
building framework which envisages optimising skills of The industrial relations climate in your Bank was generally
individuals through specific intervention by way of knowledge cordial, during the year, with most of the issues having been
upgradation and enhancing existing skill sets. Further, resolved amicably. The Bank has been holding meetings

dm{f©H$ [anmoQ>© Annual Report 2023-24 57

Management Discussion & Analysis

with the Associations and Unions in its endeavour to have were attended to by the respective Internal Committees. As
constructive dialogue for understanding and addressing on March 31, 2024, 3 (three) complaints were pending for
grievances of its employees. The Associations and Unions conclusion.
have also been responsive and proactive while addressing
various issues. Performance Management System
Your Bank has put in place a performance appraisal system,
Diversity and Inclusion
viz. IDBI Performance Assessment & Continuous Evaluation
Your Bank continued its efforts in promoting diversity and System (iPACE), with the objective of aligning an employee’s
inclusion in the workforce. The ratio of women employees performance with the organisational targets, ensuring
improved over the previous year. Your Bank continued to objectivity and fostering performance & compliance oriented
recruit Persons with Disabilities and applicable guidelines culture. iPACE includes standardised Key Result Areas
on reservation were followed. As on March 31, 2024, the (KRAs) for similar roles with uniform weightage and direct
representation of Scheduled Castes (SCs)/ Scheduled system/ dashboard linkages for most of the measurable
Tribes (STs)/ Other Backward Classes (OBCs)/ Economically KRAs.
Weaker Sections (EWSs) in the Bank’s total manpower was
as follows: Recruitment and Staffing
In sync with its growth trajectory, the Bank has been
CLASS SC ST OBC EWS
building up a young workforce with a multi-pronged talent
Officers 2,417 993 4,268 255
acquisition strategy that involves on-boarding young talent
Executives 304 124 677 234
through Campus Connect programme, collaborations with
Clerical 42 19 42 0
educational institutes to provide trained officers and direct
Subordinate 96 31 79 0
Total 2,859 1,167 5,066 489
recruitment. The focus is on on-boarding talent with the
desired quality and skill sets for organisational growth. During
Succession Planning Policy (SPP) the year, your Bank recruited 2,809 individuals in various
grades as given below:
Your Bank has put in place a policy for succession planning
at critical senior positions of Executive Directors and Chief Grade Total
General Managers. The policy provides a holistic framework DMD 1
for creating leadership pipeline for the senior positions to
Grade A (Assistant Manager) 1,549
ensure business continuity when identified critical positions
Grade B (Manager) 53
are vacated.
Grade C (Assistant General Manager) 44
Prevention of Sexual Harassment at Workplace Grade D (Deputy General Manager) 5
(POSH) Grade E (General Manager) 3
With the aim of providing quick assistance and the much Grade F (Chief General Manager) 1
desired immediate support to the aggrieved women on Grade G (Executive Director) 1
account of occurrence of an untoward incident, an e-mail Executive on Contract 1,149
based grievance mechanism has been put in place by
Clerical# 3
the Bank to enable them to lodge complaints of sexual
Total* 2,809
harassment faced by them at the Bank’s workplace with the
members of internal committees directly. * - The above data excludes Advisors (on contract) and Chief Customer Service Officer.
# - Compassionate Appointments
Disclosures under the Sexual Harassment of
As on March 31, 2024, your Bank had total staff strength of
Women at Workplace (Prevention, Prohibition and
19,013 as given below:
Redressal) Act, 2013
With the objective of creating a safe and friendly work Class Total
environment and ensuring prevention of sexual harassment Officers 16,341
at workplace, the Bank, in line with the requirements of The Executives (Sales & Operations) 1,951
Sexual Harassment of Women at Workplace (Prevention, Clerical 341
Prohibition and Redressal) Act, 2013, has set up two Subordinate 380
Internal Committees to redress the complaints received
Total* 19,013
regarding sexual harassment of women at workplace. During
FY 2023-24, the Bank received 9 (nine) complaints which * - The count includes employees on contract

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Professional Growth Audit Department also undertakes Surprise Audit, Dynamic

Audit, Snap Audit, Thematic Audit, etc. to ensure robustness
Opportunities in varied aspects of banking, viz. Retail, of the internal control mechanism. A Zonal Audit Office (ZAO)
Corporate, Trade Finance, Treasury, Government Business, structure has been created in order to ensure focussed
etc. as well as sales, operations and support functions attention on branch audits and for effective follow-up. The
provide ample scope to employees to have a well-rounded audit process is undertaken through a web-based application,
professional growth as complete bankers. Younger the Audit Management System, which can be accessed by
employees place more emphasis on learning as competitive respective officers of auditee units on real-time basis for
landscapes are continually changing. Your Bank focusses on monitoring of compliances. In addition, the Audit Department
re-skilling/ future skilling and in an endeavour to encourage also manages the functions of: (i) Fraud Monitoring under
continuous learning, your Bank has been sponsoring course Fraud Risk Management Policy; (ii) Staff Accountability under
fees/ distance learning/ certifications in relevant areas. Staff Accountability Policy; (iii) Long Form Audit Report; and
Ethics & Compliance (iv) Internal Financial Controls over Financial Report.

Your Bank has introduced the concept of Chief Ethics Officer/ The Audit function has deployed suitably qualified and skilled
Zonal Ethics Officers to ensure promulgation of an ethical and manpower, which proactively recommends improvements in
compliant culture throughout the Bank. processes and service quality to mitigate operational, financial
and regulatory risks, etc. wherever deemed fit and provides
ADMINISTRATION AND timely feedback to the management for corrective actions.
INFRASTRUCTURE MANAGEMENT
Long Form Audit Report (LFAR)
Your Bank has completed relocation and major renovation
of branches and various Zones. Your Bank completed The Audit Department has been compiling and sharing
centralisation of Professional Tax Payment for fourteen information submitted by the bank branches with the
states. Your Bank has completed automation of various Bank’s Statutory Central Auditors (SCAs) for finalisation
areas, viz. Paperless Visitor Pass System, Online Portal for of the Long Form Audit Report (LFAR). An online system
application of Staff Education Loan, Allotment of Dormitory, has been developed for inputting of LFAR observations
Staff-related payment, in order to improve the turnaround and submission of its compliance/ data by the Bank’s
time and efficiency in process flow. branches and generation of consolidated reports for use by
the SCAs. The Audit Department undertakes the follow up
INTERNAL AUDIT with the concerned departments/ verticals to ensure timely
Your Bank has a dedicated Internal Audit Department, which compliance for the observations made in the LFAR by the
evaluates the adherence to internal policies, procedures and SCAs. Enhancements are carried out in the LFAR module to
regulatory guidelines as also provides objective assurance make it more user-friendly. Pursuant to the Board’s directives,
on the effectiveness of internal controls, risk management an Internal Committee was formed for suggesting changes
and governance processes within the Bank and suggests in existing processes and systems to reduce number of
improvements. The audit function has adopted the Risk LFAR observations. Based on the recommendations of the
Based Audit approach and audit activities cover the entire Committee, processes have been reviewed for reducing
spectrum of the Bank’s business and support verticals spread number of the LFAR observations. Inter-vertical meetings,
across the Zonal Offices, the Regional Offices, the branches including meetings with Zones, were held to ensure maximum
and the non-branch segments. The Risk Based Internal Audit compliance to the LFAR observations.
framework is reviewed and revised periodically to align it with
the changing business environment and also promote a strict Internal Financial Control over Financial Reporting
compliance culture. The Audit Department functions under (IFCO-FR)
the overall guidance and supervision of the Audit Committee
The Audit Department also co-ordinates and supervises the
of the Board (ACB).
identification and testing of the Risk Control Matrix by an
The Audit function is governed by (i) Risk Based Internal external consultant appointed for the purpose to verify that
Audit Policy; (ii) Concurrent Audit Policy; and (iii) Information (i) adequate internal financial control systems are in place;
Systems Audit Policy. As part of the Risk Based Internal and (ii) there is operating effectiveness of such controls as
Audit Programme, the Audit Department conducts various also to ensure timely and effective closure of all open issues.
types of audits, viz. Branch Audit, Management Audit of A continual exercise is undertaken to sensitise the concerned
Zones and Regions, Credit Audit, Information Systems Audit, business functions to ensure that adequate measures are
Concurrent Audit, etc. In addition to the normal audits, the taken for the controls in an effort to close all the open issues.

dm{f©H$ [anmoQ>© Annual Report 2023-24 59

Management Discussion & Analysis

The Risk Control Matrices (RCMs) are periodically reviewed Concurrent Audit
and updated based on change in processes and suggestions
of the SCAs to enhance the coverage. The Consultant has The Concurrent Audit (CA) system is a part of the Bank’s
been advised to visit few branches, Retail Asset Centres and Early-Warning System to detect irregularities/ lapses, which
Trade Finance Centres located in different locations across helps in checking violations of the internal and regulatory
the country every quarter to validate the RCMs. guidelines in controlling risks and in preventing fraudulent
transactions. The CA system is essentially a control process
Information Systems (IS) Audit which is integral to the establishment of sound internal
The Bank’s Information Systems (IS) Audit function plays accounting systems and effective controls. As per the relevant
a pivotal role in ensuring the integrity, confidentiality and RBI guidelines, the CA is carried out in the branches/ other
availability of the Bank’s IT Assets by encompassing a non-branch units like Treasury, the Central Processing Unit
comprehensive range of audits, including Application (CPU) and the Retail Asset Centres (RACs) identified based
Systems, IT Infrastructure, External Vendors, Policy & Process on risk perception and volume of business handled. Further,
Reviews and Branch Audits. Adhering to the RBI’s guidelines identified functional divisions at the Bank’s Head Office and
on ‘Independent Assurance of the Audit function’, the Bank’s all Trade Finance Centres are also subjected to the CA. As
IS Audit provides assurance to both the management and
per the Board-approved CA Policy of the Bank, the CA is
the regulators. Through periodic quality assurance reviews,
required to cover 70% of deposits and 70% of advances of
the effectiveness and efficiency of the Bank’s Internal Audit
the Bank. Accordingly, for FY 2023-24, the Bank covered
function is validated, reinforcing commitment to robust
around 1,080 auditee units under Concurrent Audit with
governance practices. The Bank updated its comprehensive
IS Audit Policy to address evolving threats and regulatory coverage of 74.91% of deposits and 81.25% of advances
requirements. (including Retail & Corporate Branches, RACs, Trade
Finance Centres, Currency Chests, Credit Solution Centres,
Internal and external training programmes are regularly Non-branch Segments, etc.) by engaging the services of
conducted to update IS Auditors about the emerging
empanelled external firms of Chartered Accountants. The
technologies, Information Security best practices and the
Concurrent Auditors’ performance is closely monitored by
RBI’s Master Directions/ Advisories/ Circulars. The Bank
the Zonal Audit Offices and the Head Office on a continuous
has introduced theme-based audits and emphasis is
basis for qualitative reports and timely submission. Further,
laid on covering cyber security aspects in IS Audit scope
in view of the increasing cyber incidents. A significant ad-hoc audit is also conducted by the Zonal Audit Offices
improvement has been exhibited in overall compliance with concerned on a quarterly basis for the Rural (Financial
IS Audit observations, attributed to diligent monitoring of Inclusion)/ Rural branches rated as high-risk or above and
pending observations and regular engagement with senior at units where Concurrent Auditor could not be appointed
management officials. For better compliance monitoring, the due to non-availability of CA in these locations to mitigate
Audit Management Systems have also been revamped. the risk.
The Bank is continuously improving its governance practices Credit Audit
relating to IS Audit. Through IS Audit and regular audits,
reviews, assessments and feedback mechanisms, the Bank Your Bank has a system of Credit Audit for detailed review of
identifies areas for improvement and implements measures selected accounts to ensure improvement in quality of credit
to strengthen the governance framework. portfolio. Credit Audit covers important aspects like adequacy
of appraisal, compliance with internal and regulatory
Offsite Monitoring System (OMS)
guidelines, adequacy of documentation and security creation,
Offsite Monitoring System (OMS) is a tool to detect errors/ examining conduct of account, etc. Borrower accounts for
omissions arising out of day-to-day operations in Finacle credit audit are identified on the basis of defined criteria: (i) all
in which rule-based engine generates alerts based on new, takeover & enhancement proposals and proposals for
pre-defined periodicity. These alerts are flagged to the
renewal/ renewal-cum enhancement of limits, with sanction
business units for timely corrective actions. Keeping in view
limits equal to or above a cut-off depending upon the size of
rapid digitalisation and to align the system with present
activity; (ii) randomly selected (10%) proposals from the rest
banking scenario, existing Rules and Turn Around Time (TAT)
for attending to OMS alerts were reviewed and new rules of the portfolio; and (iii) Below Investment Grade (if migrated
were added to detect deviations from laid down systems and from Investment Grade during the review period). As per the
procedures. These changes are intended to make OMS a revised selection criteria, coverage of accounts subjected
more robust system to identify errors/ omissions and mitigate to credit audit increased by 32% on an annualised basis in
associated risk. FY 2023-24 in comparision to FY 2022-23.

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Investigative Audits or Special Investigative Audits strengthening any knowledge gaps by way of training and
(IAs/ SIAs) mentoring or by any other action to create an environment
which could be conducive for better compliance of the
Special Investigative Audits/ Investigative Audits guidelines and processes.
(SIAs/ IAs) were carried out by the Audit Department at
various branches/ Retail Asset Centers (RACs) based on VIGILANCE MECHANISM
various triggers. Investigations carried out by the Audit
Your Bank has a Vigilance Department (VgD), headed by a
Department play a vital role in bringing about systemic
Chief Vigilance Officer (CVO), at its Head Office in Mumbai.
improvements, improvements in policies, product guidelines,
Your Bank has also set up vigilance teams at all its Zonal
processes and procedures, helping in strengthening the
Offices (ZOs) in order to achieve better control and to ensure
controls and drawing attention to better overall monitoring
monitoring of vigilance activities at the zonal level.
of the branches. An early trigger provided by SIAs/ IAs have
helped the Zones to initiate timely recovery/ legal actions The CVO performs/ oversees all functions relating to the
and to arrest slippage of accounts into Non-Performing vigilance matters in the Bank, with a wide scope/ coverage,
Assets (NPAs). Significant observations emerging out of including (i) collecting intelligence about corrupt practices
these SIAs are being presented to an Executive Director committed or likely to be committed by the employees of
(ED) level Committee for SIA/ IA for necessary directions. the Bank; (ii) processing of vigilance cases, investigating or
Corrective steps taken thereon are being reported to the initiating investigations into complaints with vigilance overtones
Audit Committee of the Board (ACB). Lapses/ gaps emerging & verifiable allegations; (iii) processing of Investigation
out of SIAs/ IAs are shared with branches as well as with the Reports for further consideration of the Disciplinary Authority;
controlling units in order to avoid reoccurrence of such lapses (iv) referring the matters, wherever necessary, to the Central
with a focus on strengthening the compliance culture not only Vigilance Commission (CVC) for its consideration/ advice;
at branch level but also at supervisory level. (v) taking measures to prevent commission of malpractices/
misconducts; (vi) co-ordinating & liasioning with various law
Fraud Monitoring enforcement agencies, among other activities.
The Bank has put in place a fraud monitoring mechanism Your Bank’s Intranet has a dedicated webpage of the
through a dedicated Fraud Monitoring Group (FMG) within Vigilance Department, which provides an overview of its
the Internal Audit Department. The FMG reviews efficacy functions, format of Standard Notice of the CVC which is
of the remedial actions taken to prevent reoccurrence of stipulated to be displayed at the Bank’s branches/ offices,
frauds and also issues necessary advisories/ circulars from important circulars/ guidelines issued from time-to-time by
time-to-time aimed towards strengthening of internal control the CVC, Chief Technical Examiner’s Organisation (CTEO) of
and putting in place need-based remedial measures. The CVC, as also by your Bank and Do’s and Don’ts of Preventive
Fraud Risk Management (FRM) Policy in place contains Vigilance. The efforts made by the Vigilance Department have
guidelines for early detection, prevention, reporting, helped in enhancing the level of vigilance awareness amongst
monitoring and follow-up of frauds. The FMG reviews the your Bank’s officers.
FRM Policy on annual basis for facilitating timely reporting
The vigilance function comprises elements of both ‘Preventive
of frauds.
Vigilance’ and ‘Punitive Vigilance’. Preventive Vigilance is
The Bank has issued various internal circulars on prompt a continuous process, which strives to review the existing
reporting of frauds and timelines for reporting of fraud guidelines to ensure that set systems and procedures are
incidents, reiterating the importance of timely reporting of being followed, to reduce use of discretion and to ensure
frauds to the RBI. sensitisation of/ to create awareness amongst the employees
as well as the stakeholders of the Bank on vigilance matters.
Staff Accountability
Some of the preventive vigilance measures adopted by your
Your Bank has a dedicated team for examining staff Bank include undertaking of Onsite Monitoring/ Surprise
accountability issues under the Board-approved Staff Vigilance Visits (SVVs) and inspections on suo moto basis
Accountability (SA) Policy. The SA policy, which is reviewed (on receiving source information, of any suspected
annually, aims at safeguarding the larger interests of the wrong-doing by staff/ outside elements) of various branches
Bank by identifying the areas where the rules and procedures to detect malpractices, if any, and gauge adherence
designed to protect the interests of the Bank are not of laid down systems and procedures. Apart from this,
being followed by the staff, resulting in a loss to the Bank. scrutiny of cases of One Time Settlement (OTS)/ First Time
This exercise helps the Bank to take necessary corrective Non-Performing Assets (FTNPAs), Annual Return of Assets
steps by way of improvement in systems and procedures, & Liabilities (ARAL) of the officers of the Bank, Audit Reports

dm{f©H$ [anmoQ>© Annual Report 2023-24 61

of the Bank and issuance of advisories to curb irregularities Board-approved Compliance Policy as per the RBI guidelines
found for systemic improvements, wherever necessary as and reviews it annually. The role and responsibility with regard
also imparting training to employees on vigilance matters, to the compliance function is clearly defined for every tier
etc. is undertaken by the Vigilance Department. in your Bank. The Board is apprised at monthly intervals
about important communications/ guidelines received from
As a part of efforts to combat corruption and also to enhance
the RBI and other regulators/ agencies. Your Bank has
and to spread public awareness on vigilance matters in line
strengthened the internal compliance culture at a granular
with the directives of the CVC, your Bank observed Vigilance
level by implementing advanced technology application, viz.
Awareness Week (VAW) 2023 from October 30, 2023 to
Cermo+ NXT, for compliance testing/ validation and trackers
November 5, 2023, with the theme as `žÏ«’¸¸¸£ ˆÅ¸ ¢¨¸£¸½š¸
for proper data management for ensuring timely submission
ˆÅ£½¿, £¸«’ï ˆ½Å œÏ¢÷¸ ¬¸Ÿ¸¢œ¸Ä÷¸ £í½¿ (Say no to Corruption; Commit of compliance to the RBI.
to the Nation)'. On the occasion, your Bank released a
special e-journal for the benefit of all its employees. The RIGHT TO INFORMATION (RTI) ACT
Bank also conducted various competitions on online and
offline mode like quiz, essay writing, cartoon and caricature, Your Bank has designated Central Public Information
coin-a-caption, memory games, crossword competition, Officers (CPIOs) for responding promptly to requests for
etc. for staff members and their children on a pan-India information pertaining to various functional areas. In addition,
basis. Further, during the VAW 2023, a senior official from all branch heads have been designated as Central Assistant
Department of Financial Services (DFS), GoI, addressed the Public Information Officers (CAPIOs) to receive and forward
employees at the Head Office of your Bank and also felicitated applications under the Right to Information (RTI) Act to the
the employees for being vigilant/ alert in their assigned CPIOs. Your Bank has designated a senior officer in the rank
tasks, which led to prevention of unwarranted incidents and of Chief General Manager as First Appellate Authority (FAA) for
protected your Bank from financial/ reputational risk. Your dealing with appeals of aggrieved applicants. A Transparency
Bank has developed a Vigilance Complaints Management Officer, in the rank of Executive Director, has been designated
Module (VCMM) for effective monitoring and quicker disposal for effective implementation of provisions of Section 4 of the
of complaints relating to the vigilance matters. RTI Act. A separate link for the RTI Act has been provided
on the Bank’s website (www.idbibank.in). Your Bank has
As a part of VAW 2023, your Bank’s employees took the also aligned with the Government of India’s RTI online portal,
integrity pledge through online mode. A link for taking integrity whereby citizens can seek the information and raise appeals
pledge was also sent to the Bank’s customers along with their under RTI Act through the portal (https://rtionline.gov.in).
account statements to support the fight against corruption.
Seminars and workshops were organised at various locations PROGRESSIVE USE OF HINDI
for the benefit of your Bank’s field functionaries. For the During the period under review, your Bank made concerted
awareness among general public/ citizens, the VAW 2023 efforts to increase usage of Official Language - Hindi and
banners, posters were displayed at prominent locations at implementing the various provisions of Official Language Act
your Bank’s Zonal Offices (ZOs), Regional Offices (ROs), and Rules of the GoI. All the verticals, departments, Zonal
branches and also at other offices with public interface. Your Offices and branches of your Bank made special efforts on
Bank also organised Gram Sabhas at various locations. regular basis to achieve the targets prescribed in the Annual
In accordance with directives of the CVC, information Programme and other directives issued by Department of
regarding VAW 2023 was disseminated through your Bank’s Official Language, Ministry of Home Affairs, GoI. The Bank
website as well as its page/ handle on social media platforms. has taken several initiatives for the progressive use of Hindi in
customer communications. During the year, necessary efforts
REGULATORY COMPLIANCE were taken to provide in-depth information about the Bank’s
products and schemes in Hindi on the Bank’s website. The
Your Bank ensures compliance of various statutory and Bank’s mobile application, GO Mobile+, is enabled with the
regulatory guidelines laid down by the GoI, the RBI, the facility of Hindi. Various types of posters, banners and other
Securities & Exchange Board of India (SEBI) and other publicity material were displayed in Hindi as well as in regional
regulatory/ statutory bodies through a structured system languages for the benefit of customers. Hindi and regional
of internal controls and tiered reviews. The Compliance languages were used in advertising campaigns for various
Department located at your Bank’s Head Office, which is Government social security schemes. Your Bank uploaded
headed by a senior official in the rank of an Executive Director template letters, forms, dictionaries, notings and other
designated as Chief Compliance Officer (CCO), coordinates relevant reference materials in bilingual form on its Intranet
dissemination and internalisation of all the statutory and to facilitate working in Hindi. Various incentive schemes
regulatory guidelines. Your Bank has put in place an extensive were implemented and many competitions were organised

62 Friendship That
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Corporate Overview Statutory Reports Financial Statements

to encourage staff members to use Hindi in their day-to-day quarterly basis. These Committees are entrusted with the
official work. In order to progressively increase the usage of task of assessment of quality of customer service rendered
Hindi in different departments/ verticals of Head Office as well by the various touchpoints of the Bank.
as other offices, Rajbhasha workshops were organised in all
Your Bank has taken various initiatives in the area of customer
the regions of your Bank to familiarise the employees with the
service in the last financial year. In addition, your Bank has
various requirements of Official Language implementation and
been leveraging various digital platforms with a view to
use of Hindi Unicode. The Bank also organised Rajbhasha
increasing automation in improving process efficiencies while
fortnight in September 2023.
reducing costs.
CUSTOMER SERVICE AND COMPLAINTS CORPORATE COMMUNICATIONS
MANAGEMENT
During FY 2023-24, the objective of your Bank’s advertising
Your Bank, in adherence to the spirit of its vision of being was to create salience for the brand as well as its flagship
the most preferred and trusted bank for all its stakeholders, products and services to enhance its positive image.
has adopted a customer-centric approach that focusses on The campaigns undertaken during the year, focussed on
customers delight with excellent service. highlighting the distinguishing features of the products
and were carried out primarily vide digital platforms and
The Customer Care Centre (CCC) of your Bank is committed mediums like Transient OOH (Out of Home) display, Cinema
to timely resolution of complaints while upholding quality Screen branding, etc. complemented with measured
customer experience. Your Bank has two dedicated bursts on high impact platforms like television and OTT
Customer Contact Centres, located at CBD Belapur, Navi (Over-The-Top). Several initiatives were undertaken by
Mumbai and Hyderabad, to address customer queries on a your Bank in the Public Relations (PR) domain aimed at
24x7 basis and swiftly redress customer grievances received maintaining positive tonality of news and enhancing your
through multiple channels. Bank’s profile in the media, while simultaneously striving to
reinforce stakeholder perception. Your Bank found numerous
In order to be responsive to changing customer needs and
positive mentions of its initiatives in print, electronic and
preferences, your Bank annually reviews its policies to ensure
digital media. The Bank communicated through its official
that the policies are in sync with the latest developments as
brand pages/ handles on Facebook, Instagram, LinkedIn,
also to empower the customers to resolve their grievances as
X and YouTube and continued to undertake engagement
per a defined system. The Bank handles complaints received
activities in innovative ways. The Bank also undertook various
from all channels in line with these policies, which also include
customer educational series across social media on topics
a time-based in-built escalation matrix with an internal alert
like cyber security, fraud awareness, etc.
mechanism wherein if the complaint is not resolved within
the pre-defined turnaround time (TAT), the same is escalated INFORMATION TECHNOLOGY
to the next level of authority for better complaint resolution
management. Your Bank has designated Grievance Your Bank strengthened its digital infrastructure and
Redressal Officers (GROs) at each of its Zonal Offices and a equipped itself with latest analytical tools & Application
Principal Nodal Officer (PNO) at the Head Office. Further, in Programming Interface (API) technology, capable of analysing
line with the Internal Ombudsman Scheme 2018 and Master and summarising customer data, further enhancing customer
Direction – Reserve Bank of India (Internal Ombudsman for experience, streamlining operations and driving innovation to
Regulated Entities) Directions, 2023, the complaints, which meet the evolving needs of the digital world.
the Bank proposes to reject/ provide partial resolution, are Your Bank successfully completed the Unified Payments
referred to the Internal Ombudsman (IO) of the Bank prior Interface (UPI) Switch Migration project. The existing UPI
to responding to the customer. Your Bank has in place a system was migrated to a new and improved version
Standardised Public Grievance Redressal System (SPGRS) enabling seamless and secure transactions across
which facilitates recording, monitoring and timely resolution different banks and platforms, bringing it at par with
of complaints received. The complaints received from various other banks in terms of features and volume handling
customer touch-points and regulators are recorded in the capabilities.
system and a communication is sent to the customer through
an SMS acknowledging the complaint along with a link to Your Bank also upgraded the Virtual Private Network (VPN)
track the same. Your Bank has established two senior level solution for the Bank to Zero Trust Solution Architecture.
customer service committees, i.e. Standing Committee on The current solution upgrades the Bank’s capabilities and
Customer Service (SCCS) and Customer Service Committee user experience to provide a seamless experience like an
of the Board (CSCB), both of which are convened on a extension of its network for remote workforce.

dm{f©H$ [anmoQ>© Annual Report 2023-24 63

Your Bank has strengthened the Monitoring Capabilities on on a regular basis which entails audit of each application/
Core Banking Solution (CBS) by upgrading to AppDynamics, server/ process with data privacy also being checked.
a leading Application Performance Management (APM)
solution. This leverages cloud infrastructure for monitoring CENTRALISED OPERATIONS
CBS and improves the Bank’s capabilities in detection of
performance deterioration and helps attain better up-time on The Bank has a dedicated centralised operations vertical
CBS. comprising of various departments like Central Processing
Unit (CPU), Regional Processing Unit (RPU), Retail Asset
For enhanced security, your Bank has implemented controls Operations (RAO), Anti-Money Laundering Cell (AML),
on session time-out in Core Banking Solution (CBS). This Depository Accounts Operations, Domestic Payments
strengthens the Bank’s deterrence and position in terms of and Remittance services, Cash Management services
prevention of frauds by hijacked user sessions or misuse of (CMS), Government Business Group (GBG), Capital Market
desktops unlocked by users. Your Bank has made biometric Operations, Internet & Mobile Banking operations, Card
authentication compulsory for all users. This improves the Issuance & Management section, Data Clean up and
Bank’s deterrence against user password sharing or malicious Compliance Team (DCCT) & GST Operations.
attacks which track key-logs to identify user passwords for
malicious use. The centralised operations has taken various initiatives
and process automation as part of customer delight
Your Bank has successfully implemented the RBI’s measures, viz. same day account Opening (SB, CA, TD etc.),
Centralised Information Management System (CIMS) project real-time processing of miscellaneous requests such as
in the Bank under which 62 RBI returns are automated mobile number change, address, email ID updation, KYC
and successfully submitted through Automated Data Flow updation etc., updation of Form 15 H/G on real time basis,
(ADF) application under Straight Through Processing (STP). sharing CKYC number with customers immediately after
On the data refinement and enrichment fronts, Legal Entity generation, updation of repayment mode for servicing EMI
Identifier (LEI) validation through Application Programming electronically for retail loan customers, returning of property
Interface (API) is implemented in the core system. The Bank documents within stipulated TAT, etc.
has also put in place processes and system logics, improving
the data quality of submissions made by the Bank to Credit During FY 2023-24, through process automation, the
Information Companies (CICs) aggregators. centralised operations, facilitating the Bank to stay true to
its commitment of adding value to customers relationship.
Privacy Policy Further the centralised operations helped the Bank in
Your Bank has put in place IT Policy to ensure, inter alia, improving operational efficiency by reducing the TAT for
information security. Access to collected information of processing of service request from customers, ensuring
the customers is granted only to the authorised officials uninterrupted support services to various business units and
or agencies authorised by the Bank. In order to prevent thereby reducing operational costs.
unauthorised access or disclosure, the Bank has put in
place suitable systems and procedures to safeguard and BRANCH OPERATIONS SUPPORT AND
secure the information collected. Your Bank has also POLICY
formulated Data Governance policy to establish Data Privacy,
Accessibility, Ownership, and Security. The Bank has also Your Bank is at the forefront in equipping its staff by keeping
put in place Privacy Policy to safeguard the information them updated regarding banking operations, services, etc.,
shared by the customers/ prospective customers. Your Bank in order to ensure that your Bank is able to provide efficient
conducts proper AppSec and Vulnerability test on a regular banking services to all its stakeholders. Accordingly, an
basis. The Privacy Policy falls under the purview of the Bank’s exclusive training programme ‘Aarohan’ was conducted
Information Technology Department (ITD) and the Information during FY 2023-24 covering all staff of the Bank.
Security Group (ISG). The ISG takes care of data privacy
aspects by conducting regular audit and putting in place Your Bank has put in place robust policies in compliance with
proper control mechanism in coordination with ITD. Under the guidelines of various regulators, viz. the RBI, the SEBI
the Bank’s Information Security Policy, data/ security breach etc., including a 'Policy on Unauthorised Electronic Banking
incidents are reported as incident report and the Bank’s Transactions (UEBT)' and a 'Customer Compensation
policies stipulate that the breach of the security/ privacy policy Policy’. Both these policies are made available on the Bank’s
is investigated in accordance with the Bank’s extant policies. website (www.idbibank.in) for ready reference of the Bank's
Your Bank conducts regular Information Systems (IS) Audit customers.

64 Friendship That
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Corporate Overview Statutory Reports Financial Statements

In order to facilitate the customers to search and claim the multidimensional impact through direct interventions as well
unclaimed deposits with the Bank, your Bank has actively as acting as a catalyst for socio-economic progress of the
registered itself in the Unclaimed Deposits – Gateway to beneficiaries.
Access information (UDGAM) portal of the RBI and uploaded
Your Bank stepped up its efforts under CSR during the year
the details of the unclaimed deposits lying with the Bank.
under review, directly as well as in association with various
Further, your Bank has actively participated in the RBI’s
organisations, in order to make an even greater impact
'100 Days 100 Pays' campaign for identifying and settling
on targeted strata of society. Your Bank’s CSR projects
unclaimed deposits to the customers and has settled
were targeted at uplifting the vulnerable and marginalised
the claims in more than 9,800 cases in FY 2023-24.
sections of the society such as children, youth, women and
Simultaneously, your Bank is proactively making efforts
tribals by focussing on areas such as rural development,
to identify and reach out to the customers to settle the
skill development, education, healthcare, entrepreneurship
unclaimed deposits upfront to avoid transfer of funds to
development, eradication of poverty, among other areas.
Depositor Education & Awareness Fund (DEA Fund).
The details of your Bank’s CSR activities have been
Your Bank has 25 Currency Chests (CCs) across the elaborated in Corporate Governance Report and Business
country. These CCs process cash from all linked branches Responsibility & Sustainability Report sections of the Annual
and provide clean notes for dispensing through ATMs and Report.
branches. During FY 2023-24, your Bank has conducted
580 Coin Melas and Soil Note Exchange Melas across the ENVIRONMENTAL, SOCIAL &
country through its CCs where coins worth around ` 12 crore GOVERNANCE (ESG)
were distributed to the public through its branches. Further,
the Bank has deployed Note Sorting/ Note Authentication In the recent years, India has witnessed a significant evolution
Machines in its branches to detect and impound fake in its approach to ESG disclosures, fuelled by regulatory
currency notes. Your Bank has actively handled the activity of developments, changing stakeholder expectations and
withdrawal of ` 2,000/- banknote from circulation by the RBI, growing recognition of impact of ESG factors on business
in which around ` 10,270 crore in denomination of ` 2,000/- operations. Taking cognisance of the growing importance
was collected and remitted to the RBI within the stipulated of ESG, the Bank formulated its Environmental, Social and
timelines. Governance (ESG) Policy in FY 2022-23. The ESG Policy has
been designed in consonance with the applicable national
Your Bank has taken many technological initiatives, systemic laws/ regulations and is aimed at positioning the Bank as an
checks and process improvisations towards achieving fraud ESG-compliant entity through its activities. In compliance
risk mitigation & control, effective operational controls and with the extant regulatory norms, the Bank also published
efficient customer service. These initiatives include alerting the its Business Responsibility & Sustainability Report (BRSR)
customers about non-operations in the accounts to prevent for FY 2022-23 as a part of its Annual Report 2022-23
accounts slipping to inoperative status and subsequent which highlights its performance against the nine principles
freeze of the account, sending transactional alerts, sending enshrined in the National Guidelines on Responsible
six months advance information to the customer in respect Business Conduct (NGRBC) developed by the Ministry of
of the Re-KYC due accounts for submission of the latest Corporate Affairs, GoI. The Bank also brought out an ESG
KYC documents, simplification of the Re-KYC process and Databook for FY 2022-23 with the intent to disseminate
submission of the related document/ confirmation of present granular data on various social and environmental
address through SMS, etc. aspects to a wider group of stakeholders in a transparent
CORPORATE SOCIAL RESPONSIBILITY and easily comprehensible manner. During the
year, the Bank also participated in the S&P Global’s
(CSR) Corporate Sustainability Assessment (CSA) 2023.
Your Bank’s CSR objective is to make material, visible and In order to improve its ESG performance and for
lasting difference to the lives of underprivileged sections of imbibing ESG-centric culture across various functional
the society by identifying gaps and extending need-based areas, the Bank has drawn up action plans across the
support for their betterment. Your Bank seeks to achieve ESG dimensions.

dm{f©H$ [anmoQ>© Annual Report 2023-24 65

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68 Friendship That
Powers Progress
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ii. 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅú ¬¸¿£¸›¸¸ (¢›¸¡¸º¢Æ÷¸ ˆÅú ÷¸¸£ú‰¸, ©¸¾®¸¢µ¸ˆÅ ¡¸¸½Š¡¸÷¸¸ ‡¨¸¿ ˆÅ¸¾©¸¥¸/ ¢¨¸©¸½«¸±¸÷¸¸ ¬¸¢í÷¸) -

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2018 ¥¸‹¸º „Ô¸¸½Š¸, ¸¸½¢‰¸Ÿ¸, Ÿ¸¸›¸¨¸
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2023 ¢¨¸™½©¸ ¨¡¸¸œ¸¸£ Ÿ¸Ê ¬›¸¸÷¸ˆÅ¸½î¸£ ‚˜¸Ä¨¡¸¨¸¬˜¸¸, ¤¸ÿ¢ˆ¿ÅŠ¸, ‚˜¸Ä©¸¸¬°¸,
¢”œ¥¸¸½Ÿ¸¸ (œ¸ú¸ú”ú‡ûöÅ’ú), ¢¨¸î¸, ¥¸‹¸º „Ô¸¸½Š¸, Ÿ¸¸›¸¨¸
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(‡¥¸‚¸ƒÄ¬¸ú) 2022 ¨¡¸¨¸¬¸¸¡¸ œÏ¤¸¿š¸›¸, œÏ©¸¸¬¸›¸ ‡¨¸¿
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dm{f©H$ [anmoQ>© Annual Report 2023-24 69

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2017 ¤¸ÿ¢ˆ¿ÅŠ¸, ¥¸‹¸º „Ô¸¸½Š¸, œÏ©¸¸¬¸›¸ ‡¨¸¿
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2018 ‚¸¾£ ‡Ÿ¸¤¸ú‡ ‚˜¸Ä¨¡¸¨¸¬˜¸¸, ¢¨¸î¸, ¬¸»¸›¸¸
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£µ¸›¸ú¢÷¸ˆÅ ‚¸¡¸¸½¸›¸¸, œÏ©¸¸¬¸›¸
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2018 ¬¸ú‡‚¸ƒÄ‚¸ƒÄ¤¸ú ‚¸¾£ œÏ¤¸¿š¸›¸ Ÿ¸Ê ¤¸ÿ¢ˆ¿ÅŠ¸, ¥¸‹¸º „Ô¸¸½Š¸, ¬¸»¸›¸¸
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2019 ‚˜¸Ä©¸¸¬°¸ Ÿ¸Ê œ¸ú ‡¸”ú, ‡¬¸ú‡Ÿ¸‡ ¸¸½¢‰¸Ÿ¸, œÏ©¸¸¬¸›¸ ‡¨¸¿ ˆÅ¸Á£œ¸¸½£½’
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iv. ¤¸¸½”Ä ˆÅú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸

¤¸¸½”Ä ˆÅú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸ ˆºÅ¥¸ ¬¸¿‰¡¸¸ ˆÅ¸ ‡ˆÅ ¢÷¸í¸ƒÄ ‚˜¸¨¸¸ ÷¸ú›¸ (3) ¢›¸™½©¸ˆÅ, ƒ›¸Ÿ¸Ê ¬¸½ ¸¸½ ž¸ú ‚¢š¸ˆÅ í¸½, í¸½Š¸¸ ¤¸©¸÷¸½Ä ¢ˆÅ ƒ›¸Ÿ¸Ê ˆÅŸ¸ ¬¸½ ˆÅŸ¸ ‡ˆÅ
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v. ¤¸¸½”Ä ˆÅú ¤¸¾“ˆÅ¸Ê ˆÅú ¤¸¸£¿¤¸¸£÷¸¸

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vi. ¤¸¸½”Ä ˆÅú ¬¸¿œ¸››¸ ¤¸¾“ˆÅ¸Ê ˆÅú ¬¸¿‰¡¸¸

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[05-04-2023 ÷¸ˆÅ]

dm{f©H$ [anmoQ>© Annual Report 2023-24 71

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72 Friendship That
Powers Progress
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dm{f©H$ [anmoQ>© Annual Report 2023-24 73

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• ¬¸÷¸ˆÄÅ÷¸¸ ÷¸¿°¸ ˆÅú ˆÅ¸¡¸Ä œÏµ¸¸¥¸ú (œ¸»¨¸Ä Ÿ¸Ê ¢¨¸¢¬¸¥¸ ¤¥¸¸½‚£ ÷¸¿°¸) ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• (i) Ÿ¸º‰¡¸ ¢¨¸î¸ú¡¸ ‚¢š¸ˆÅ¸£ú (ii) Ÿ¸º‰¡¸ ‚¸¿÷¸¢£ˆÅ ¥¸½‰¸¸-œ¸£ú®¸ˆÅ ‚¸¾£ (iii) Ÿ¸º‰¡¸ ‚›¸ºœ¸¸¥¸›¸ ‚¢š¸ˆÅ¸£ú ˆÅú ¢›¸¡¸º¢Æ÷¸ ˆÅ¸ ‚›¸ºŸ¸¸½™›¸ ˆÅ£›¸¸;
• ¬¸»¸ú¤¸Ö ¬¸¿¬˜¸¸ ˆ½Å „œ¸ÇÅŸ¸¸Ê ¡¸¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ™½‰¸›¸¸, ¸í¸¿ ˆÅíú¿ ž¸ú ‚¸¨¸©¡¸ˆÅ í¸½;
• ¤¸ÿˆÅ ˆ½Å ¥¸½‰¸¸Ê ˆÅ¸½ œÏž¸¸¢¨¸÷¸ ˆÅ£›¸½ ¨¸¸¥¸½ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å œ¸¢£œ¸°¸¸Ê ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ¬¸½¤¸ú (ƒ›¸¬¸¸ƒ”£ ’ï½¢”¿Š¸ ˆÅ¸ ¢›¸«¸½š¸) ¢¨¸¢›¸¡¸Ÿ¸¸¨¸¥¸ú, 2015 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚›¸ºœ¸¸¥¸›¸ ˆÅú ¨¸¸¢«¸ÄˆÅ ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ¤¸ÿˆÅ ׸£¸ ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸ Ÿ¸Ê ` 100 ˆÅ£¸½”õ ¬¸½ ‚¢š¸ˆÅ ¡¸¸ ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸ ˆ½Å ‚¸¦¬÷¸ ‚¸ˆÅ¸£ ˆ½Å 10%, Ÿ¸¸¾¸»™¸ †µ¸/ ‚¢ŠÏŸ¸/ ¢›¸¨¸½©¸ ¬¸¢í÷¸,
¸¸½ ž¸ú ˆÅŸ¸ í¸½, Ÿ¸Ê/ˆÅ¸½Å †µ¸ ‚¸¾£/ ¡¸¸ ‚¢ŠÏŸ¸¸Ê / ¢›¸¨¸½©¸ ˆ½Å „œ¸¡¸¸½Š¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ¤¸ÿˆÅ ‚¸¾£ ƒ¬¸ˆ½Å ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆ½Å ¢¨¸¥¸¡¸, ¢¨¸¥¸Š¸¸¨¸, ¬¸Ÿ¸¸Ÿ¸½¥¸›¸ ‚¸¢™ ¬¸½ ¸º”õú ¡¸¸½¸›¸¸‚¸Ê ˆ½Å ‚¸¾¢¸÷¡¸, ¥¸¸Š¸÷¸-¥¸¸ž¸ ‚¸¾£ œÏž¸¸¨¸ œ¸£ ¢¨¸¸¸£
‚¸¾£ ¢’œœ¸µ¸ú ˆÅ£›¸¸;
• ¬’¸ûÅ ¸¨¸¸¤¸™½íú ¸¸¿¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• †µ¸/ œÏ¢÷¸ž¸»¢÷¸ ™¬÷¸¸¨¸½¸¸Ê ˆ½Å ¬¨¸÷¨¸ ¢¨¸¥¸½‰¸¸Ê ‚¸¾£ ¬¸Ÿ¸º¢¸÷¸ ¬¸¸¨¸š¸¸›¸ú ˆÅ¸£Ä¨¸¸ƒÄ ˆÅú ¨¸¸¬÷¸¢¨¸ˆÅ÷¸¸ ˆÅ¸½ ¬¸÷¡¸¸¢œ¸÷¸ ˆÅ£›¸¸;
• œ¸£¸½®¸ ¢›¸Š¸£¸›¸ú (‚¸½‡Ÿ¸‡¬¸) ˆ½Å ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê ¢£œ¸¸½’Ä ˆÅ£›¸¸;
• ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013, ‡¥¸‚¸½”ú‚¸£ ¢¨¸¢›¸¡¸Ÿ¸¸¨¸¥¸ú, ‚¸¢™ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ׸£¸ ¢ˆÅ‡ Š¸‡ ‚›¸ºœ¸¸¥¸›¸ œ¸£ ¬¸¢¸¨¸ú¡¸
¥¸½‰¸¸ œ¸£ú®¸ˆÅ ˆÅú ¢£œ¸¸½’Ä ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ¬¸Ê’兩 ¢”œ¸¸Á¸’£ú ¬¸¢¨¸Ä¬¸½¬¸ ¢¥¸. (¬¸ú”ú‡¬¸‡¥¸), ›¸½©¸›¸¥¸ ¢¬¸Æ¡¸º¢£’ú¸ ¢”œ¸¸Á¢{¸’£ú ¢¥¸. (‡›¸‡¬¸”ú‡¥¸) ‚¸¾£ ¬¸¿Š¸¸Ÿ¸ú ¥¸½‰¸¸ œ¸£ú®¸¸
¢£œ¸¸½’¸½ô ˆÅú ¢›¸£ú®¸µ¸ ¢£œ¸¸½’¸½ô Ÿ¸Ê ˆÅú Š¸ƒÄ ¢’œœ¸¢µ¸¡¸¸Ê ˆÅ¸ ‚›¸ºœ¸¸¥¸›¸ ˆÅ£›¸¸;
• ‰¸¸½¸ú ¥¸½‰¸¸ œ¸£ú®¸¸ (‚¸ƒÄ‡)/ ¢¨¸©¸½«¸ ¸¸¿¸ ¥¸½‰¸¸ œ¸£ú®¸¸ (‡¬¸‚¸ƒÄ‡) ˆ½Å ¢›¸«ˆÅ«¸¸½ô ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• £½¢’¿Š¸ ‡¸Ê¢¬¸¡¸¸Ê ˆ½Å ¬¸¸˜¸ ¸¸¸Ä ˆÅ£›¸¸;
• œÏ¤¸¿š¸›¸ ˆÅú „œ¸¦¬˜¸¢÷¸ ˆ½Å ¢¤¸›¸¸ œÏŸ¸º‰¸-‚¸¿÷¸¢£ˆÅ ¥¸½‰¸¸ œ¸£ú®¸¸ ‚¸¾£ Ÿ¸º‰¡¸ ‚›¸ºœ¸¸¥¸›¸ ‚¢š¸ˆÅ¸£ú (¬¸ú¬¸ú‚¸½) ˆ½Å ¬¸¸˜¸ ¸¸¸Ä ˆÅ£›¸¸;
• ¸¸½¢‰¸Ÿ¸ £½¢’¿Š¸ œÏ¨¸¬¸›¸ ‚¸¾£ ¥¸½‰¸¸œ¸£ú®¸¸ œÏµ¸¸¥¸ú ˆÅú œÏž¸¸¨¸ˆÅ¸¢£÷¸¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸; ‚¸¾£
• ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ/¬¸¸¿¢¨¸¢š¸ˆÅ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ÷¸í÷¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ‚¢š¸™½¢©¸÷¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ‚›¡¸ ¢ˆÅ¬¸ú ž¸»¢Ÿ¸ˆÅ¸ ˆÅ¸ ¢›¸¨¸Ä훸 ˆÅ£›¸¸.

ii. ‡¬¸ú¤¸ú ˆÅú ¬¸¿£¸›¸¸

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‡¬¸ú¤¸ú Ÿ¸Ê Ží ¬¸™¬¡¸ ©¸¸¢Ÿ¸¥¸ ˜¸½, ¢¸›¸Ÿ¸Ê ¬¸½ ¸¸£ ¬¸™¬¡¸ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ˜¸½ ‚˜¸¸Ä÷¸Ã ‚š¡¸®¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ªú
¬¸Ÿ¸£½©¸ œ¸¢£™¸ ‚¸¾£ ¬¸™¬¡¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ªú Ÿ¸›¸¸½¸ ¬¸í¸¡¸, ž¸¸£÷¸ ¬¸£ˆÅ¸£ ˆ½Å ›¸¸¢Ÿ¸÷¸ú ¢›¸™½©¸ˆÅ, ªú Ÿ¸ºˆ½Å©¸ ˆºÅŸ¸¸£ Š¸ºœ÷¸¸, ‡¥¸‚¸ƒÄ¬¸ú ˆ½Å ›¸¸¢Ÿ¸÷¸ú
¢›¸™½©¸ˆÅ, ªú ¬¸¿¸¡¸ ¸ú. ˆÅ¥¥¸¸œ¸º£, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ, ªúŸ¸÷¸ú œ¸ú.¨¸ú. ž¸¸£÷¸ú, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ‚¸¾£ ªú ‚¸¡¸ œÏˆÅ¸©¸ ¬¸¸í›¸ú, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ.

dm{f©H$ [anmoQ>© Annual Report 2023-24 75

ˆÅ¸Á£œ¸¸½£½’ ‚¢ž¸©¸¸¬¸›¸ ¢£œ¸¸½’Ä

iii. ‡¬¸ú¤¸ú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸À

‡¬¸ú¤¸ú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸ Ÿ¸Ê ‡¬¸ú¤¸ú ˆ½Å ÷¸ú›¸ ¬¸™¬¡¸ í¸ÊŠ¸½, ƒ›¸Ÿ¸Ê ¬¸½ ˆÅŸ¸ ¬¸½ ˆÅŸ¸ ™¸½-¢÷¸í¸ƒÄ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ í¸ÊŠ¸½. ‡¬¸ú¤¸ú ¤¸¾“ˆÅ ˆÅú ‚š¡¸®¸÷¸¸ ‡ˆÅ
¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ׸£¸ ˆÅú ¸¸‡Š¸ú ¸¸½ ¤¸¸½”Ä ˆÅú ¢ˆÅ¬¸ú ‚›¡¸ ¬¸¢Ÿ¸¢÷¸ ˆÅú ‚š¡¸®¸÷¸¸ ›¸íú¿ ˆÅ£ÊŠ¸½.
iv. ‡¬¸ú¤¸ú ¤¸¾“ˆÅ¸Ê ˆÅú ¤¸¸£¿¤¸¸£÷¸¸
‡¬¸ú¤¸ú ˆÅú ¨¸«¸Ä Ÿ¸Ê ˆÅŸ¸ ¬¸½ ˆÅŸ¸ ¸¸£ ¤¸¾“ˆÊÅ í¸ÊŠ¸ú ‚¸¾£ ‡¬¸ú¤¸ú ˆÅú ¥¸Š¸¸÷¸¸£ ™¸½ ¤¸¾“ˆÅ¸Ê ˆ½Å ¤¸ú¸ ‡ˆÅ ¬¸¸¾ ¤¸ú¬¸ ¢™›¸ ¬¸½ ‚¢š¸ˆÅ ˆÅ¸ ‚¿÷¸£¸¥¸ ›¸íú¿ í¸½Š¸¸.
v. ‡¬¸ú¤¸ú ˆÅú ¤¸¾“ˆÊÅ
¬¸Ÿ¸ú®¸¸š¸ú›¸ ‚¨¸¢š¸ (1 ‚œÏ¾¥¸ 2023 ¬¸½ 31 Ÿ¸¸¸Ä 2024) ˆ½Å ™¸¾£¸›¸ ‡¬¸ú¤¸ú ˆÅú 14 ¤¸¾“ˆÊÅ 29 ‚œÏ¾¥¸ 2023; 30 Ÿ¸ƒÄ 2023; 22 ¸»›¸ 2023; 24
¸º¥¸¸ƒÄ 2023; 18 ‚Š¸¬÷¸ 2023; 29 ¢¬¸÷¸¿¤¸£ 2023; 21 ‚Æ÷¸»¤¸£ 2023; 29 ›¸¨¸¿¤¸£ 2023; 27 ¢™¬¸¿¤¸£ 2023; 20 ¸›¸¨¸£ú 2024; 22
ûÅ£¨¸£ú 2024; 27 ûÅ£¨¸£ú 2024; 26 Ÿ¸¸¸Ä 2024 ‚¸¾£ 27 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸¿œ¸››¸ íºƒô.

‚¸. ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¬¸¢Ÿ¸¢÷¸ (ƒÄ¬¸ú)

i. ¢¨¸¸¸£¸˜¸Ä ¢¨¸«¸¡¸
• ` 250 ˆÅ£¸½”õ ¬¸½ ‚¢š¸ˆÅ ˆ½Å ‡Æ¬¸œ¸¸½¸£ ¨¸¸¥¸½ „¸ Ÿ¸»¥¡¸ †µ¸ œÏ¬÷¸¸¨¸¸Ê ˆÅú Ÿ¸¿¸»£ú ˆÅ£›¸¸;

• ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¬¸¢Ÿ¸¢÷¸ (ƒÄ¬¸ú) ׸£¸ Ÿ¸¿¸»£ú ¢›¸¤¸¿š¸›¸¸Ê ‚¸¾£ ©¸÷¸¸½ô Ÿ¸Ê ¬¸¿©¸¸½š¸›¸ ˆÅ£›¸¸;
• †µ¸ ¬¸¢Ÿ¸¢÷¸¡¸¸Ê ˆ½Å ˆÅ¸¡¸Ä¨¸¼î¸ ˆÅ¸½ £½ˆÅ¸Á”Ä œ¸£ ¥¸½›¸¸;
• ¤¸¸÷¸¸ú÷¸ ¬¸½ ÷¸¡¸/ ‡ˆÅ¤¸¸£ú¡¸ ¢›¸œ¸’¸›¸ (‚¸½’ú‡¬¸) ˆ½Å œÏ¬÷¸¸¨¸¸Ê ˆÅú Ÿ¸¿¸»£ú ˆÅ£›¸¸;
• ‚›¡¸ ¤¸ÿˆÅ¸Ê ˆ½Å ¢›¸™½©¸ˆÅ (‚š¡¸®¸/ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ¬¸¢í÷¸) ˆÅ¸½ ` 5 ˆÅ£¸½”õ ¬¸½ ‚¢š¸ˆÅ ˆ½Å ‡Æ¬¸œ¸¸½¸£ ¨¸¸¥¸½ œÏ¬÷¸¸¨¸¸Ê ‚¸¾£ ‚›¡¸ ˆÅ¸½ƒÄ ûÅŸ¸Ä ¢¸¬¸Ÿ¸Ê
‚›¡¸ ¤¸ÿˆÅ¸Ê ˆ½Å ˆÅ¸½ƒÄ ¢›¸™½©¸ˆÅ ¬¸¸¸½™¸£ ¡¸¸ Š¸¸£¿’£ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢í÷¸¤¸Ö í¸Ê ‚¸¾£ ˆÅ¸½ƒÄ ˆ¿Åœ¸›¸ú ¢¸¬¸Ÿ¸Ê ‚›¡¸ ¤¸ÿˆÅ¸Ê ˆ½Å ˆÅ¸½ƒÄ ¢›¸™½©¸ˆÅ œ¸¡¸¸Äœ÷¸ ¢í÷¸
£‰¸÷¸½ í¸Ê ¡¸¸ ¢›¸™½©¸ˆÅ ¡¸¸ Š¸¸£¿’£ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢í÷¸¤¸Ö í¸Ê ˆ½Å ` 25 ¥¸¸‰¸ ‚¸¾£ ‚¢š¸ˆÅ ˆ½Å œÏ¬÷¸¸¨¸¸Ê ˆÅ¸½ Ÿ¸¿¸»£ú ™½›¸¸.
• ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ˆÅ¸½ ` 5 ˆÅ£¸½”õ ¬¸½ ‚¢š¸ˆÅ ˆ½Å ‡Æ¬¸œ¸¸½¸£ ¨¸¸¥¸½ œÏ¬÷¸¸¨¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê Ÿ¸¿¸»£ú ™½›¸¸À
- ¤¸ÿˆÅ ˆ½Å ‚š¡¸®¸/ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ¡¸¸ ¤¸ÿˆÅ ˆ½Å ‚›¡¸ ¢›¸™½©¸ˆÅ¸Ê ˆ½Å ˆÅ¸½ƒÄ ¬¸¿¤¸¿š¸ú;
- ‚›¡¸ ¤¸ÿˆÅ¸Ê ˆ½Å ‚š¡¸®¸/ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ¡¸¸ ‚›¡¸ ¢›¸™½©¸ˆÅ¸Ê ˆ½Å ˆÅ¸½ƒÄ ¬¸¿¤¸¿š¸ú;
- ˆÅ¸½ƒÄ ûÅŸ¸Ä ¢¸¬¸Ÿ¸Ê …œ¸£ ¢ˆÅ‡ Š¸‡ „¥¥¸½‰¸ ˆ½Å ‚›¸º¬¸¸£ „›¸ˆ½Å ˆÅ¸½ƒÄ ¬¸¿¤¸¿š¸ú ¬¸¸¸½™¸£ ¡¸¸ Š¸¸£¿’£ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢í÷¸¤¸Ö í¸Ê; ‚¸¾£
- ˆÅ¸½ƒÄ ˆ¿Åœ¸›¸ú ¢¸¬¸Ÿ¸Ê …œ¸£ ¢ˆÅ‡ Š¸‡ „¥¥¸½‰¸ ˆ½Å ‚›¸º¬¸¸£ „›¸ˆ½Å ˆÅ¸½ƒÄ ¬¸¿¤¸¿š¸ú œ¸¡¸¸Äœ÷¸ ¢í÷¸ £‰¸÷¸½ í¸Ê ¡¸¸ ¢›¸™½©¸ˆÅ ¡¸¸ Š¸¸£¿’£ ˆ½Å ³Åœ¸ Ÿ¸Ê
¢í÷¸¤¸Ö í¸Ê;
• œÏ¢÷¸ž¸»¢÷¸ˆÅ£µ¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ˆÅú Ÿ¸¿¸»¢£¡¸¸Ê ˆÅú ¢£œ¸¸½¢’ôŠ¸ ˆÅ£›¸¸;
• ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¬¸¢Ÿ¸¢÷¸ ׸£¸ ‚›¸ºŸ¸¸½¢™÷¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê œÏ¢÷¸ž¸»¢÷¸ ¬¸¼¸›¸ ˆÅú ¦¬˜¸¢÷¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ‚¸¾£ ¢£œ¸¸½¢’ôŠ¸ ˆÅ£›¸¸;
• ™½¡¸ ‚¸¾£ œÏ¸œ¡¸ £¸¢©¸¡¸¸Ê ˆÅ¸½ ¢›¸¨¸½©¸ ¢¥¸‰¸÷¸(÷¸¸Ê) Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ ˆ½Å œÏ¬÷¸¸¨¸¸Ê ˆÅ¸ ‚›¸ºŸ¸¸½™›¸ ˆÅ£›¸¸; ‚¸¾£
• ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ/ ¬¸¸¿¢¨¸¢š¸ˆÅ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ÷¸í÷¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ‚¢š¸™½¢©¸÷¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ‚›¡¸ ¢ˆÅ¬¸ú ž¸»¢Ÿ¸ˆÅ¸ ˆÅ¸ ¢›¸¨¸Ä훸 ˆÅ£›¸¸.
ii. ƒÄ¬¸ú ˆÅú ¬¸¿£¸›¸¸
31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ƒÄ¬¸ú Ÿ¸Ê œ¸¸¿¸ ¬¸™¬¡¸ ©¸¸¢Ÿ¸¥¸ ˜¸½, ¢¸›¸Ÿ¸Ê ¬¸½ ÷¸ú›¸ ¬¸™¬¡¸ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ˜¸½ ‚˜¸¸Ä÷¸Ã ‚š¡¸®¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä, ‡Ÿ¸”ú
‡¨¸¿ ¬¸úƒÄ‚¸½ ‚¸¾£ ¬¸™¬¡¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ªú ¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾, ”ú‡Ÿ¸”ú, ªú ž¸º¨¸›¸¸¿Í ¤¸ú. ¸¸½©¸ú, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ, ªú ‡›¸. ¸¿¤¸º›¸¸˜¸›¸, ¬¨¸÷¸¿°¸
¢›¸™½©¸ˆÅ ‚¸¾£ ªú ™úœ¸ˆÅ ¢¬¸¿‹¸¥¸, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ.

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Corporate Overview Statutory Reports Financial Statements

iii. ƒÄ¬¸ú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸

ƒÄ¬¸ú ˆÅú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸ ˆºÅ¥¸ ¬¸¿‰¡¸¸ ˆÅ¸ ‡ˆÅ-¢÷¸í¸ƒÄ ¡¸¸ ƒÄ¬¸ú ˆ½Å ™¸½ ¬¸™¬¡¸, ¸¸½ ž¸ú ‚¢š¸ˆÅ í¸½, í¸½Š¸ú.
iv. ƒÄ¬¸ú ¤¸¾“ˆÅ¸Ê ˆÅú ¤¸¸£¿¤¸¸£÷¸¸
ƒÄ¬¸ú ˆÅú ¤¸¾“ˆÅ ¨¸«¸Ä Ÿ¸Ê ˆÅŸ¸ ¬¸½ ˆÅŸ¸ ¸¸£ ¤¸¾“ˆÅ¸Ê ˆ½Å ¬¸¸˜¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ˆ½Å ‚›¸º¬¸¸£ í¸½Š¸ú.
v. ƒÄ¬¸ú ˆÅú ¤¸¾“ˆÊÅ
¬¸Ÿ¸ú®¸¸š¸ú›¸ ‚¨¸¢š¸ (1 ‚œÏ¾¥¸ 2023 ¬¸½ 31 Ÿ¸¸¸Ä 2024) ˆ½Å ™¸¾£¸›¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¬¸¢Ÿ¸¢÷¸ ˆÅú ˆºÅ¥¸ 25 ¤¸¾“ˆÊÅ íºƒô ¸¸½ 17 ‚œÏ¾¥¸ 2023; 28 ‚œÏ¾¥¸
2023; 16 Ÿ¸ƒÄ 2023; 30 Ÿ¸ƒÄ 2023; 13 ¸»›¸ 2023; 26 ¸»›¸ 2023; 05 ¸º¥¸¸ƒÄ 2023; 11 ¸º¥¸¸ƒÄ 2023; 25 ¸º¥¸¸ƒÄ 2023; 11 ‚Š¸¬÷¸
2023; 29 ‚Š¸¬÷¸ 2023; 14 ¢¬¸÷¸¿¤¸£ 2023; 29 ¢¬¸÷¸¿¤¸£ 2023; 12 ‚Æ÷¸»¤¸£ 2023; 30 ‚Æ÷¸»¤¸£ 2023; 15 ›¸¨¸Ÿ¤¸£ 2023; 29 ›¸¨¸¿¤¸£
2023; 14 ¢™¬¸¿¤¸£ 2023; 28 ¢™¬¸¿¤¸£ 2023; 16 ¸›¸¨¸£ú 2024; 29 ¸›¸¨¸£ú 2024; 13 ûÅ£¨¸£ú 2024; 01 Ÿ¸¸¸Ä 2024; 16 Ÿ¸¸¸Ä 2024
‚¸¾£ 27 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸¿œ¸››¸ íºƒô.

ƒ. ¬’½ˆÅš¸¸£ˆÅ ¬¸¿¤¸¿š¸ ¬¸¢Ÿ¸¢÷¸ (‡¬¸‚¸£¬¸ú)

i. ¢¨¸¸¸£¸˜¸Ä ¢¨¸«¸¡¸
¬’½ˆÅš¸¸£ˆÅ ¬¸¿¤¸¿š¸ ¬¸¢Ÿ¸¢÷¸ (‡¬¸‚¸£¬¸ú) ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 178 ÷¸˜¸¸ ‡¥¸‚¸½”ú‚¸£ ¢¨¸¢›¸¡¸Ÿ¸¸¨¸¥¸ú ˆ½Å ‚›¸º¬¸»¸ú II ˆ½Å ž¸¸Š¸ ”ú ˆ½Å
¬¸¸˜¸ œ¸¢“÷¸ ¢¨¸¢›¸¡¸Ÿ¸ 20 ˆ½Å ‚¿÷¸Š¸Ä÷¸ „œ¸¤¸¿¢š¸÷¸ ¢¨¸¸¸£¸˜¸Ä ¢¨¸«¸¡¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ˆÅ¸¡¸Ä ˆÅ£÷¸ú í¾.
‡¬¸‚¸£¬¸ú ˆÅú ¨¡¸¸œ¸ˆÅ ž¸»¢Ÿ¸ˆÅ¸ ‡¨¸¿ „™¸¢¡¸÷¨¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿ
• ©¸½¡¸£¸Ê ˆ½Å ‚¿÷¸£µ¸, ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä œÏ¸œ÷¸ ›¸ í¸½›¸½, ‹¸¸½¢«¸÷¸ ¥¸¸ž¸¸¿©¸ œÏ¸œ÷¸ ›¸ í¸½›¸½, ›¸‡ / ”ºœ¥¸úˆ½Å’ œÏŸ¸¸µ¸œ¸°¸ ¸¸£ú ˆÅ£›¸½, Ÿ¸í¸¬¸ž¸¸ ‚¸¢™ ¬¸½
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• ‚œ¸›¸ú œÏ÷¡¸½ˆÅ ¤¸¾“ˆÅ Ÿ¸Ê ¤¸ÿˆÅ ˆÅú ƒ¦Æ¨¸’ú ¬¸¢¨¸Ä¢¬¸¿Š¸ ‚¸¾£ ¤¸¸¿” ¬¸¢¨¸Ä¢¬¸¿Š¸ ¢£œ¸¸½’¸½ô œ¸£ ¢¨¸¸¸£ ÷¸˜¸¸ ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸ ‚¸¾£ „œ¸¡¸ºÄÆ÷¸ ‚¢š¸™½©¸ ˆÅ¸½
œ¸»£¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¸³£ú í¸½›¸½ œ¸£ ƒ¬¸ ¬¸¿¤¸¿š¸ Ÿ¸Ê ¢›¸Ÿ›¸¸›¸º¬¸¸£ ¢›¸™½Ä©¸ ¸¸£ú ˆÅ£›¸¸:
- ƒ¦Æ¨¸’ú ¬¸¢¨¸Ä¢¬¸¿Š¸ ¬¸¿¤¸¿š¸ú ¢£œ¸¸½’Ä ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
- É¥¸½Æ¬¸ú¤¸¸Áµ”¸Ê ˆÅú ¬¸¢¨¸Ä¢¬¸¿Š¸ ¬¸¿¤¸¿š¸ú ¢£œ¸¸½’Ä ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
- ©¸½¡¸£ œ¸»Â¸ú ¥¸½‰¸¸ œ¸£ú®¸¸ ¢£œ¸¸½’Ä ˆ½Å ¬¸Ÿ¸¸š¸¸›¸ ˆÅú ¢£œ¸¸½¢’ôŠ¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
- ¬’¸ÁˆÅ ‡Æ¬¸¸Ê¸¸Ê ˆÅ¸½ œÏ¬÷¸º÷¸ ¢›¸¨¸½©¸ˆÅ¸Ê ˆÅú ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆ½Å ¢¨¸¨¸£µ¸¸Ê ˆÅú ¢£œ¸¸½¢’ôŠ¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
- ©¸½¡¸£š¸¸£ˆÅ¸Ê ׸£¸ ¨¸¸½¢’¿Š¸ ‚¢š¸ˆÅ¸£ ˆ½Å œÏž¸¸¨¸ú œÏ¡¸¸½Š¸ ˆ½Å ¢¥¸‡ ¢ˆÅ‡ Š¸‡ „œ¸¸¡¸¸Ê ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
- £¢¸¬’︣ ‡¨¸¿ ©¸½¡¸£ ‚¿÷¸£µ¸ ‡¸Ê’ ׸£¸ ™ú Š¸ƒÄ ¢¨¸¢ž¸››¸ ¬¸½¨¸¸‚¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ¤¸ÿˆÅ ׸£¸ ‚œ¸›¸¸‡ Š¸‡ ¬¸½¨¸¸ Ÿ¸¸›¸ˆÅ¸Ê ˆ½Å ‚›¸ºœ¸¸¥¸›¸ ˆÅú
¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
- ‚™¸¨¸ú ¥¸¸ž¸¸¿©¸ ˆÅú Ÿ¸¸°¸¸ ˆÅ¸½ ˆÅŸ¸ ˆÅ£›¸½ ‚¸¾£ ¤¸ÿˆÅ ˆ½Å ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆÅ¸½ ¥¸¸ž¸¸¿©¸ ¨¸¸£¿’ /¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä/ ¬¸¸¿¢¨¸¢š¸ˆÅ ›¸¸½¢’¬¸ ˆÅú ¬¸Ÿ¸¡¸¤¸Ö
œÏ¸¦œ÷¸ ˆÅ¸½ ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ׸£¸ ¢ˆÅ‡ Š¸‡ ¢¨¸¢ž¸››¸ „œ¸¸¡¸¸Ê ‚¸¾£ œ¸í¥¸ ˆÅ¸¡¸¸½ô ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸; ‚¸¾£
• ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ/¬¸¸¿¢¨¸¢š¸ˆÅ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ÷¸í÷¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ‚¢š¸™½¢©¸÷¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ‚›¡¸ ¢ˆÅ¬¸ú ž¸»¢Ÿ¸ˆÅ¸ ˆÅ¸ ¢›¸¨¸Ä훸 ˆÅ£›¸¸.
ii. ‡¬¸‚¸£¬¸ú ˆÅú ¬¸¿£¸›¸¸
31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‡¬¸‚¸£¬¸ú Ÿ¸Ê ÷¸ú›¸ ¬¸™¬¡¸ ©¸¸¢Ÿ¸¥¸ ˜¸½, ¢¸›¸Ÿ¸Ê ¬¸½ ™¸½ ¬¸™¬¡¸ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ˜¸½, ‚˜¸¸Ä÷¸Ã ‚š¡¸®¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ªú
¬¸¿¸¡¸ ¸ú. ˆÅ¥¥¸¸œ¸º£ ‚¸¾£ ¬¸™¬¡¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ªú ¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾, ”ú‡Ÿ¸”ú ‚¸¾£ ªú ‡›¸. ¸¿¤¸º›¸¸˜¸›¸, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ.
ªúŸ¸÷¸ú ¡¸¸½¢÷¸ ¤¸ú¸» ›¸¸¡¸£, ¤¸ÿˆÅ ˆÅú ˆ¿Åœ¸›¸ú ¬¸¢¸¨¸ ‡¥¸‚¸½”ú‚¸£ ¢¨¸¢›¸¡¸Ÿ¸¸¨¸¥¸ú ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‚›¸ºœ¸¸¥¸›¸ ‚¢š¸ˆÅ¸£ú ˆ½Å ³Åœ¸ Ÿ¸Ê ž¸ú ˆÅ¸¡¸Ä ˆÅ£÷¸ú íÿ.

dm{f©H$ [anmoQ>© Annual Report 2023-24 77

ˆÅ¸Á£œ¸¸½£½’ ‚¢ž¸©¸¸¬¸›¸ ¢£œ¸¸½’Ä

iii. ‡¬¸‚¸£¬¸ú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸

‡¬¸‚¸£¬¸ú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸ ¬¸™¬¡¸¸Ê ˆÅú ˆºÅ¥¸ ¬¸¿‰¡¸¸ ˆÅ¸ ‡ˆÅ ¢÷¸í¸ƒÄ ‚˜¸¨¸¸ ‡¬¸‚¸£¬¸ú ˆ½Å ™¸½ ¬¸™¬¡¸, ƒ›¸Ÿ¸Ê ¬¸½ ¸¸½ ‚¢š¸ˆÅ í¸½, í¸½Š¸ú.
iv. ‡¬¸‚¸£¬¸ú ¤¸¾“ˆÅ¸Ê ˆÅú ¤¸¸£¿¤¸¸£÷¸¸
‡¬¸‚¸£¬¸ú ˆÅú ¤¸¾“ˆÊÅ ¢÷¸Ÿ¸¸íú ‚¸š¸¸£ œ¸£ ‚¸¡¸¸½¢¸÷¸ ˆÅú ¸¸‡¿Š¸ú.
v. ‡¬¸‚¸£¬¸ú ˆÅú ¤¸¾“ˆÊÅ
¬¸Ÿ¸ú®¸¸š¸ú›¸ ‚¨¸¢š¸ (1 ‚œÏ¾¥¸ 2023 ¬¸½ 31 Ÿ¸¸¸Ä 2024) ˆ½Å ™¸¾£¸›¸ ‡¬¸‚¸£¬¸ú ˆÅú ¸¸£ ¤¸¾“ˆÊÅ ¢™›¸¸¿ˆÅ 16 Ÿ¸ƒÄ 2023, 19 ‚Š¸¬÷¸ 2023,
15 ›¸¨¸¿¤¸£ 2023 ‚¸¾£ 13 ûÅ£¨¸£ú 2024 ˆÅ¸½ ¬¸¿œ¸››¸ íºƒô.
vi. ‚›¸º£¸½š¸/ ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú ¬¸¿‰¡¸¸ (ƒ¦Æ¨¸’ú ‡¨¸¿ ¤¸¸¿”)
¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 Ÿ¸Ê œÏ¸œ÷¸ ©¸½¡¸£š¸¸£ˆÅ¸Ê/ ¤¸¸¿”š¸¸£ˆÅ¸Ê ˆÅú ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú ¬¸¿‰¡¸¸ 11,554
¢¸›¸ ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅ¸ ¬¸Ÿ¸¸š¸¸›¸ ©¸½¡¸£š¸¸£ˆÅ¸Ê/ ¤¸¸¿”š¸¸£ˆÅ¸Ê ˆÅú ¬¸¿÷¸º¦«’ ˆ½Å ‚›¸º¬¸¸£ ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ „›¸ˆÅú ¬¸¿‰¡¸¸ ©¸»›¡¸
¥¸¿¢¤¸÷¸ ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú ¬¸¿‰¡¸¸ ©¸»›¡¸

ƒÄ. š¸¸½‰¸¸š¸”õú ¢›¸Š¸£¸›¸ú ¬¸¢Ÿ¸¢÷¸ (‡ûŇŸ¸¬¸ú)

i. ¢¨¸¸¸£¸˜¸Ä ¢¨¸«¸¡¸
`1 ˆÅ£¸½”õ ÷¸˜¸¸ ƒ¬¸¬¸½ ‚¢š¸ˆÅ ˆÅú £¸¢©¸ ˆ½Å š¸¸½‰¸¸š¸”õú Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅú ¢›¸Š¸£¸›¸ú ÷¸˜¸¸ „›¸ˆÅ¸ ‚›¸º¨¸÷¸Ä›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¢¨¸©¸½«¸ ¬¸¢Ÿ¸¢÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê š¸¸½‰¸¸š¸”õú
¢›¸Š¸£¸›¸ú ¬¸¢Ÿ¸¢÷¸ (‡ûŇŸ¸¬¸ú) ˆÅ¸ Š¸“›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ƒ¬¸ˆÅ¸ Š¸“›¸ š¸¸½‰¸¸š¸”õú ˆÅ¸ œ¸÷¸¸ ¥¸Š¸¸›¸½, „›¸ œ¸£ ¢›¸Š¸£¸›¸ú £‰¸›¸½ ‚¸¾£ „›¸¬¸½ ¢›¸œ¸’›¸½ ˆ½Å ¢¥¸‡
¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
‡ûŇŸ¸¬¸ú ˆÅú ¨¡¸¸œ¸ˆÅ ž¸»¢Ÿ¸ˆÅ¸ ‡¨¸¿ „¬¸ˆ½Å „™¸¢¡¸÷¨¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿ:
• œÏµ¸¸¥¸úŠ¸÷¸ ˆÅŸ¸ú, ¡¸¢™ ˆÅ¸½ƒÄ í¾, ¢¸¬¸¬¸½ š¸¸½‰¸¸š¸”õú ¬¸¿ž¸¨¸ íºƒÄ í¸½, ˆÅú œ¸í¸¸›¸ ˆÅ£›¸¸ ÷¸˜¸¸ „¬¸½ £¸½ˆÅ›¸½ ˆ½Å ¢¥¸‡ „œ¸¸¡¸ ¬¸º¸¸›¸¸;
• š¸¸½‰¸¸š¸”õú, ¡¸¢™ ˆÅ¸½ƒÄ í¾, ˆÅ¸ œ¸÷¸¸ ¥¸Š¸¸›¸½ ÷¸˜¸¸ ¤¸ÿˆÅ ˆ½Å ©¸ú«¸Ä œÏ¤¸¿š¸›¸ ‚¸¾£ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆÅ¸½ ¢£œ¸¸½’Ä ˆÅ£›¸½ Ÿ¸Ê ¢¨¸¥¸¿¤¸ ˆ½Å ˆÅ¸£µ¸¸Ê ˆÅú œ¸í¸¸›¸ ˆÅ£›¸¸;
• ˆÊÅÍú¡¸ ‚›¨¸½«¸µ¸ ¤¡¸»£¸½ (¬¸ú¤¸ú‚¸ƒÄ)/ œ¸º¢¥¸¬¸ ׸£¸ ¸¸¿¸ œ¸”õ÷¸¸¥¸ Ÿ¸Ê œÏŠ¸¢÷¸ ‚¸¾£ ¨¸¬¸»¥¸ú ¦¬˜¸¢÷¸ ˆÅú ¢›¸Š¸£¸›¸ú ˆÅ£›¸¸;
• ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸¸ ¢ˆÅ š¸¸½‰¸¸š¸”õú ˆ½Å ¬¸ž¸ú Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê ¬¸ž¸ú ¬÷¸£¸Ê œ¸£ ¬’¸ûÅ ¸¨¸¸¤¸™½íú ˆÅú ¸¸¿¸ í¸½ ÷¸˜¸¸ ¢¤¸›¸¸ ¬¸Ÿ¸¡¸ Š¸Â¨¸¸‡ ÷¸÷ˆÅ¸¥¸ ˆÅ¸£Ä¨¸¸ƒÄ,
¡¸¢™ ‚œ¸½¢®¸÷¸ í¸½, œ¸»£ú í¸½;
• š¸¸½‰¸¸š¸”õú ˆÅú œ¸º›¸£¸¨¸¼¢î¸ ˆÅ¸½ £¸½ˆÅ›¸½ ˆ½Å ¢¥¸‡ „œ¸¸¸£¸÷Ÿ¸ˆÅ ˆÅ¸£Ä¨¸¸ƒÄ ˆÅú œÏž¸¸¨¸¸½÷œ¸¸™ˆÅ÷¸¸, ¸¾¬¸½ ‚¸¿÷¸¢£ˆÅ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅ¸½ Ÿ¸¸¤¸»÷¸ ˆÅ£›¸¸, ˆÅú
¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• £½” É¥¸¾Š¸ ‰¸¸÷¸¸Ê ÷¸˜¸¸ ¤¸ˆÅ¸¡¸¸ £½” É¥¸¾Š¸ ‰¸¸÷¸¸Ê ˆ½Å ¤¸¸£½ Ÿ¸Ê ˆÅú Š¸ƒÄ „œ¸¸¸£¸÷Ÿ¸ˆÅ ˆÅ¸£Ä¨¸¸ƒÄ/ ¢™‡ Š¸‡ ¸¸¿¸ ‚¸™½©¸ ˆÅú ¦¬˜¸¢÷¸ ˆÅú ¬¸Ÿ¸ú®¸¸
ˆÅ£›¸¸;
• š¸¸½‰¸¸š¸”õú ˆ½Å Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê ¬’¸ûÅ ¸¨¸¸¤¸™½íú œÏ¢ÇÅ¡¸¸ ˆ½Å œ¸»£¸ í¸½›¸½ ‚¸¾£ „¬¸ œ¸£ ˆÅú Š¸ƒÄ ˆÅ¸£Ä¨¸¸ƒÄ ˆÅ¸½ ›¸¸½’ ˆÅ£›¸¸;
• ¬¸ú¤¸ú‚¸ƒÄ, œ¸º¢¥¸¬¸ ‚¸¢™ ׸£¸ ¸¸¿¸ ¢ˆÅ‡ ¸¸ £í½ Ÿ¸¸Ÿ¸¥¸¸Ê ¬¸½ ¨¸¬¸»¥¸ú ¬¸¢í÷¸ š¸¸½‰¸¸š¸”õú Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê ¨¸¬¸»¥¸ú ˆÅú ¦¬˜¸¢÷¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ƒ¥¸½Æ’︽¢›¸ˆÅ š¸¸½‰¸¸š¸”õú ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ¤¸ÿˆÅ ׸£¸ „“¸‡ Š¸‡ ›¡¸»›¸úˆÅ£µ¸ ¬¸¿¤¸¿š¸ú ˆÅ™Ÿ¸¸Ê ˆÅú œÏŠ¸¢÷¸ ‚¸¾£ š¸¸½‰¸¸š¸”õú ˆÅú ¬¸¿‰¡¸¸ ‡¨¸¿ Ÿ¸»¥¡¸¸Ê ˆÅ¸½
¢›¸¡¸¿¢°¸÷¸ ˆÅ£›¸½ Ÿ¸Ê ƒ¬¸ˆÅú œÏž¸¸¨¸©¸ú¥¸÷¸¸ ˆÅú ¢›¸Š¸£¸›¸ú ˆÅ£›¸¸; ‚¸¾£
• ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ/¬¸¸¿¢¨¸¢š¸ˆÅ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ÷¸í÷¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ‚¢š¸™½¢©¸÷¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ‚›¡¸ ¢ˆÅ¬¸ú ž¸»¢Ÿ¸ˆÅ¸ ˆÅ¸ ¢›¸¨¸Ä훸 ˆÅ£›¸¸.

78 Friendship That
Powers Progress
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Corporate Overview Statutory Reports Financial Statements

ii. ‡ûŇŸ¸¬¸ú ˆÅú ¬¸¿£¸›¸¸

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‡ûŇŸ¸¬¸ú Ÿ¸Ê œ¸¸¿¸ ¬¸™¬¡¸ ©¸¸¢Ÿ¸¥¸ ˜¸½, ¢¸›¸Ÿ¸Ê ¬¸½ ÷¸ú›¸ ¬¸™¬¡¸ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ˜¸½, ‚˜¸¸Ä÷¸Ã ‚š¡¸®¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä,
‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ ‚¸¾£ ¬¸™¬¡¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ªú ¸¡¸ˆºÅŸ¸¸£ ‡¬¸.¢œ¸¥¥¸¾, ”ú‡Ÿ¸”ú, ªú ž¸º¨¸›¸¸›Í ¤¸ú. ¸¸½©¸ú, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ, ªú ¬¸¿¸¡¸ ¸ú. ˆÅ¥¥¸¸œ¸º£,
¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ‚¸¾£ ªú ‚¸¡¸ œÏˆÅ¸©¸ ¬¸¸í›¸ú, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ.
iii. ‡ûŇŸ¸¬¸ú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸
‡ûŇŸ¸¬¸ú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸ ¬¸™¬¡¸¸Ê ˆÅú ˆºÅ¥¸ ¬¸¿‰¡¸¸ ˆÅ¸ ‡ˆÅ-¢÷¸í¸ƒÄ ‚˜¸¨¸¸ ‡ûŇŸ¸¬¸ú ˆ½Å ™¸½ ¬¸™¬¡¸, ƒ›¸Ÿ¸Ê ¬¸½ ¸¸½ ‚¢š¸ˆÅ í¸½, í¸½Š¸¸.
iv. ‡ûŇŸ¸¬¸ú ¤¸¾“ˆÅ¸Ê ˆÅú ¤¸¸£¿¤¸¸£÷¸¸
` 1 ˆÅ£¸½”õ ‚¸¾£ „¬¸¬¸½ ‚¢š¸ˆÅ £¸¢©¸ ˆÅú š¸¸½‰¸¸š¸”õú ˆ½Å Ÿ¸¸Ÿ¸¥¸½ ˆ½Å œÏˆÅ¸©¸ Ÿ¸Ê ‚¸›¸½ œ¸£ š¸¸½‰¸¸š¸”õú ¢›¸Š¸£¸›¸ú ¬¸¢Ÿ¸¢÷¸ ˆÅú ¤¸¾“ˆÅ ‚¸¡¸¸½¢¸÷¸ ˆÅ£›¸¸ ‚¸¾£
„¬¸Ÿ¸Ê Ÿ¸¸Ÿ¸¥¸½ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸ ‚œ¸½¢®¸÷¸ í¸½÷¸¸ í¾.
v. ‡ûŇŸ¸¬¸ú ˆÅú ¤¸¾“ˆÊÅ
¬¸Ÿ¸ú®¸¸š¸ú›¸ ‚¨¸¢š¸ (1 ‚œÏ¾¥¸ 2023 ¬¸½ 31 Ÿ¸¸¸Ä 2024) ˆ½Å ™¸¾£¸›¸ ‡ûŇŸ¸¬¸ú ˆÅú 12 ¤¸¾“ˆÊÅ ¢™›¸¸¿ˆÅ 28 ‚œÏ¾¥¸ 2023; 30 Ÿ¸ƒÄ 2023; 22 ¸»›¸
2023; 24 ¸º¥¸¸ƒÄ 2023; 18 ‚Š¸¬÷¸ 2023; 29 ¢¬¸÷¸¿¤¸£ 2023; 21 ‚Æ÷¸»¤¸£ 2023; 29 ›¸¨¸¿¤¸£ 2023; 27 ¢™¬¸¿¤¸£ 2023; 20 ¸›¸¨¸£ú
2024; 27 ûÅ£¨¸£ú 2024; ‚¸¾£ 27 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸¿œ¸››¸ íºƒô.

„. ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸ ¬¸¢Ÿ¸¢÷¸ (‚¸£‡Ÿ¸¬¸ú)

i. ¢¨¸¸¸£¸˜¸Ä ¢¨¸«¸¡¸
¤¸ÿˆÅ ˆ½Å ˆÅ¸£¸½¤¸¸£ ¬¸½ ¸º”õ½ ¢¨¸¢ž¸››¸ ¸¸½¢‰¸Ÿ¸¸Ê ˆÅ¸ ‚¸ˆÅ¥¸›¸ ˆÅ£›¸½, „›¸Ÿ¸Ê ˆÅŸ¸ú ¥¸¸›¸½, ‚¸¦¬÷¸ ™½¡¸÷¸¸ ‚¬¸¿÷¸º¥¸›¸ ¬¸½ ¸º”õ½ Ÿ¸ºÓ¸Ê ˆÅ¸ ¬¸Ÿ¸¸š¸¸›¸ ˆÅ£›¸½ ‚¸¾£ ¬¸¸˜¸
íú ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ¡¸¸½¸›¸¸ ˆÅú ¢›¸Š¸£¸›¸ú ‡¨¸¿ ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸ ¬¸¢Ÿ¸¢÷¸ (‚¸£‡Ÿ¸¬¸ú) ˆÅ¸ Š¸“›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
‚¸£‡Ÿ¸¬¸ú ˆÅú ¨¡¸¸œ¸ˆÅ ž¸»¢Ÿ¸ˆÅ¸ ‡¨¸¿ „™¸¢¡¸÷¨¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿ:
• ¸¥¸¢›¸¢š¸ ¸¸½¢‰¸Ÿ¸ ‚¸¾£ ‚›¡¸ ¸¸½¢‰¸Ÿ¸¸Ê ˆ½Å ¬¸¸˜¸ ¸¥¸¢›¸¢š¸ ¸¸½¢‰¸Ÿ¸ ˆÅú ¬¸¿ž¸¸¢¨¸÷¸ œ¸¸£¬œ¸¢£ˆÅ ¢ÇÅ¡¸¸ ¬¸¢í÷¸ ¤¸ÿˆÅ ˆ½Å ¬¸Ÿ¸®¸ ‚¸ƒÄ ¬¸ž¸ú ¸¸½¢‰¸Ÿ¸¸Ê
ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ£›¸¸;
• ›¸ˆÅ™ú œÏ¨¸¸í ˆ½Å ‚›¸ºŸ¸¸›¸¸Ê ˆÅú ¢£œ¸¸½¢’ôŠ¸ ‚¸¾£ ¸¥¸¢›¸¢š¸ ¸¸½¢‰¸Ÿ¸, œÏ¡¸ºÆ÷¸ š¸¸£µ¸¸‚¸Ê ˆÅ¸ Ÿ¸¸œ¸›¸ ˆÅ£›¸¸;
• ¤¸¸½”Ä ˆÅ¸½ ›¸ú¢÷¸¡¸¸Ê ¡¸˜¸¸ †µ¸ ›¸ú¢÷¸, ¨¸¬¸»¥¸ú ›¸ú¢÷¸, ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ›¸ú¢÷¸, ‚¸¦¬÷¸ ™½¡¸÷¸¸ ›¸ú¢÷¸, œ¸¢£¸¸¥¸›¸Š¸÷¸ ¸¸½¢‰¸Ÿ¸ ÷¸˜¸¸ ˆÅ¸£¸½¤¸¸£ ¢›¸£¿÷¸£÷¸¸
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• œ¸¢£¸¸¥¸›¸Š¸÷¸ ¸¸½¢‰¸Ÿ¸ ‡¨¸¿ ˆÅ¸£¸½¤¸¸£ ¢›¸£¿÷¸£÷¸¸ œÏ¤¸¿š¸›¸ œ¸£ œÏŠ¸¢÷¸ ¢£œ¸¸½’Ä ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ’ï½¢”¿Š¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ˆÅú ¤¸¸{¸¸£ ¸¸½¢‰¸Ÿ¸ ¢£œ¸¸½’Ä ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ™¤¸¸¨¸ œ¸£ú®¸µ¸ ˆ½Å œ¸¢£µ¸¸Ÿ¸¸Ê ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ¢¨¸ž¸¸Š¸, Ÿ¸¸Á”¥¸ ¬¸÷¡¸¸œ¸›¸ - ‚¸¿÷¸¢£ˆÅ £½¢’¿Š¸ ˆ½Å Ÿ¸¸ƒŠÏ½©¸›¸ ‚¸¾£ ¸»ˆÅ ¢¨¸©¥¸½«¸µ¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢ˆÅ‡ Š¸‡ ˆÅ¸¡¸¸½ô ˆÅú ¬¸Ÿ¸ú®¸¸
ˆÅ£›¸¸;
• ‚¸¦¬÷¸ ™½¡¸÷¸¸ œÏ¤¸¿š¸›¸ ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• œÏµ¸¸¥¸ú „÷œ¸¸™ ‚›¸ºŸ¸¸½™›¸ ‡¨¸¿ ¬¸Ÿ¸ú®¸¸ ¬¸¢Ÿ¸¢÷¸ (¬œ¸¸ˆÄÅ) I ‡¨¸¿ II ˆ½Å ˆÅ¸¡¸Ä¨¸¼î¸ ˆÅ¸½ ¢£œ¸¸½’Ä ˆÅ£›¸¸;
• œÏ¢÷¸œ¸®¸ˆÅ¸£ ¤¸ÿˆÅ ¬¸úŸ¸¸‚¸Ê ‡¨¸¿ ‹¸£½¥¸» ‡¨¸¿ ‚¿÷¸£¸Ä«’ïú¡¸ ¤¸ÿˆÅ¸Ê ˆ½Å ¢¥¸‡ ¬¸úŸ¸¸‚¸Ê ˆ½Å ‚¸¤¸¿’›¸ œ¸£ ›¸ú¢÷¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
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dm{f©H$ [anmoQ>© Annual Report 2023-24 79

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• œ¸¸¢£ª¢Ÿ¸ˆÅ ‚¸¾£ ¸¸½¢‰¸Ÿ¸ ˆ½Å ¤¸ú¸ œÏž¸¸¨¸ú ¬¸º¡¸¸½¸›¸ ˆÅ¸½ œÏ¸œ÷¸ ˆÅ£›¸½ ˆ½Å „Ó½©¡¸ ¬¸½ ›¸¸Ÿ¸¸¿ˆÅ›¸ ‚¸¾£ œ¸¸¢£ª¢Ÿ¸ˆÅ ¬¸¢Ÿ¸¢÷¸ ˆ½Å ¬¸¸˜¸ ¬¸Ÿ¸›¨¸¡¸ Ÿ¸Ê ˆÅ¸¡¸Ä
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œ¸í¸¸›¸ ˆ½Å ¢¥¸‡ ³Åœ¸£½‰¸¸ ÷¸¾¡¸¸£ ˆÅ£›¸¸.
- œ¸í¸¸›¸ ¢ˆÅ‡ Š¸‡ ¸¸½¢‰¸Ÿ¸¸Ê ˆ½Å ‚¸¿÷¸¢£ˆÅ ¢›¸¡¸¿°¸µ¸ ˆ½Å ¢¥¸‡ œÏµ¸¸¢¥¸¡¸¸Ê ‚¸¾£ œÏ¢ÇÅ¡¸¸‚¸Ê ¬¸¢í÷¸ ¸¸½¢‰¸Ÿ¸ ›¡¸»›¸úˆÅ£µ¸ ˆ½Å „œ¸¸¡¸ ˆÅ£›¸¸; ‚¸¾£
- ˆÅ¸£¸½¤¸¸£ ¢›¸£¿÷¸£÷¸¸ ¡¸¸½¸›¸¸.
• ¡¸í ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸¸ ¢ˆÅ ¤¸ÿˆÅ ˆ½Å ¨¡¸¨¸¬¸¸¡¸ ¬¸½ ¸º”õ½ ¸¸½¢‰¸Ÿ¸¸Ê ˆÅú ¢›¸Š¸£¸›¸ú ‚¸¾£ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ „œ¸¡¸ºÆ÷¸ ˆÅ¸¡¸ÄœÏµ¸¸¥¸ú, œÏ¢ÇÅ¡¸¸‡¿ ‚¸¾£
œÏµ¸¸¢¥¸¡¸¸Â Ÿ¸¸¾¸»™ íÿ;
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• ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ›¸ú¢÷¸ ˆÅú ‚¸¨¸¢š¸ˆÅ ‚¸š¸¸£ œ¸£ ™¸½ ¨¸«¸Ä Ÿ¸Ê ˆÅŸ¸ ¬¸½ ˆÅŸ¸ ‡ˆÅ ¤¸¸£ ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸, ¢¸¬¸Ÿ¸Ê ¤¸™¥¸÷¸½ „Ô¸¸½Š¸ ˆÅú Š¸¢÷¸©¸ú¥¸÷¸¸ ‚¸¾£
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• Ÿ¸º‰¡¸ ¸¸½¢‰¸Ÿ¸ ‚¢š¸ˆÅ¸£ú ˆÅú ¢›¸¡¸º¢Æ÷¸, í’¸›¸½ ‚¸¾£ œ¸¸¢£ª¢Ÿ¸ˆÅ ˆÅú ©¸÷¸¸½ô ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ¬¸Ÿ¸ˆÅ®¸ ¤¸ÿˆÅ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ‚¸ƒÄ¬¸ú‡‡œ¸ú ˆÅú Ÿ¸š¡¸¸¨¸¢š¸ ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• œÏ¢÷¸œ¸®¸ ¤¸ÿˆÅ ‡Æ¬¸œ¸¸½¸£ ¬¸úŸ¸¸‚¸Ê ‚¸¾£ ™½©¸ ¸¸½¢‰¸Ÿ¸ ‡Æ¬¸œ¸¸½¸£ ¬¸úŸ¸¸‚¸Ê ˆÅú ¢÷¸Ÿ¸¸íú ¢£œ¸¸½’Ä ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ‚¸¿÷¸¢£ˆÅ ‚¸¾£ ¤¸¸à¸ £½¢’¿Š¸ ˆ½Å ¤¸ú¸ ¢¨¸¸¥¸›¸ ˆÅ¸ ¢¨¸©¥¸½«¸µ¸ ˆÅ£›¸¸;
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ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆÅú ¢›¸Š¸£¸›¸ú ˆÅ£›¸¸;
• œ¸¢£¸¸¥¸›¸Š¸÷¸ ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ¬¸¢Ÿ¸¢÷¸ ‚¸¾£ †µ¸ ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ¬¸¢Ÿ¸¢÷¸ ˆ½Å ˆÅ¸¡¸Ä¨¸¼î¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸; ‚¸¾£
• ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ/¬¸¸¿¢¨¸¢š¸ˆÅ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ÷¸í÷¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ‚¢š¸™½¢©¸÷¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ‚›¡¸ ¢ˆÅ¬¸ú ž¸»¢Ÿ¸ˆÅ¸ ˆÅ¸ ¢›¸¨¸Ä훸 ˆÅ£›¸¸.
ii. ‚¸£‡Ÿ¸¬¸ú ˆÅú ¬¸¿£¸›¸¸
31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‚¸£‡Ÿ¸¬¸ú Ÿ¸Ê Ží ¬¸™¬¡¸ ©¸¸¢Ÿ¸¥¸ ˜¸½, ¢¸›¸Ÿ¸Ê ¬¸½ ¸¸£ ¬¸™¬¡¸ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ˜¸½, ‚˜¸¸Ä÷¸Ã ‚š¡¸®¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ªúŸ¸÷¸ú œ¸ú.¨¸ú.
ž¸¸£÷¸ú, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ‚¸¾£ ¬¸™¬¡¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä, ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½, ªú ¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾, ”ú‡Ÿ¸”ú, ªú ¬¸Ÿ¸£½©¸ œ¸¢£™¸,
¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ, ªú ¬¸¿¸¡¸ ¸ú. ˆÅ¥¥¸¸œ¸º£, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ‚¸¾£ ªú ’ú.‡›¸. Ÿ¸›¸¸½í£›¸, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ.
iii. ‚¸£‡Ÿ¸¬¸ú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸
‚¸£‡Ÿ¸¬¸ú ˆÅú ¤¸¾“ˆÅ¸Ê Ÿ¸Ê ž¸¸Š¸ ¥¸½›¸½ ¨¸¸¥¸½ ¬¸™¬¡¸¸Ê Ÿ¸Ê ¬¸½ ˆÅŸ¸ ¬¸½ ˆÅŸ¸ ‚¸š¸½ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ í¸ÊŠ¸½, ¢¸›¸Ÿ¸Ê ¬¸½ ˆÅŸ¸ ¬¸½ ˆÅŸ¸ ‡ˆÅ ¬¸™¬¡¸ ˆ½Å œ¸¸¬¸ ¸¸½¢‰¸Ÿ¸
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ˆÅú ‚š¡¸®¸÷¸¸ ›¸íú¿ ˆÅ£ÊŠ¸½.
iv. ‚¸£‡Ÿ¸¬¸ú ¤¸¾“ˆÅ¸Ê ˆÅú ¤¸¸£¿¤¸¸£÷¸¸
‚¸£‡Ÿ¸¬¸ú ˆÅú ¤¸¾“ˆÊÅ ¢÷¸Ÿ¸¸íú ‚¸š¸¸£ œ¸£ ‚¸¡¸¸½¢¸÷¸ ˆÅú ¸¸‡¿Š¸ú.

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v. ‚¸£‡Ÿ¸¬¸ú ˆÅú ¤¸¾“ˆÊÅ

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¢™¬¸¿¤¸£ 2023 ‚¸¾£ 14 Ÿ¸¸¸Ä 2024 ‚¸¾£ 15 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸¿œ¸››¸ íºƒô.
…. ¬¸ú‡¬¸‚¸£ ‡¨¸¿ ƒÄ‡¬¸¸ú ¬¸¢Ÿ¸¢÷¸
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• ˆÅ¸Á£œ¸¸½£½’ ¬¸¸Ÿ¸¸¢¸ˆÅ ™¸¢¡¸÷¨¸ (¬¸ú‡¬¸‚¸£) ›¸ú¢÷¸ ÷¸¾¡¸¸£ ˆÅ£›¸¸ ‚¸¾£ ¤¸¸½”Ä ˆÅ¸½ „¬¸ˆÅú ¢¬¸ûŸ¢£©¸ ˆÅ£›¸¸ ¸¸½ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú
‚›¸º¬¸»¸ú VII Ÿ¸Ê ¢›¸¢™Ä«’ ®¸½°¸¸Ê ¡¸¸ ¢¨¸«¸¡¸¸Ê Ÿ¸Ê ¤¸ÿˆÅ ׸£¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê ˆÅ¸½ ™©¸¸Ä‡Š¸ú;
• „œ¸¡¸ºÄÆ÷¸ ‰¸¿” Ÿ¸Ê ¢™‡ Š¸‡ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê œ¸£ í¸½›¸½ ¨¸¸¥¸½ ¨¡¸¡¸ ˆÅú £¸¢©¸ ˆÅú ¢¬¸ûŸ¢£©¸ ˆÅ£›¸¸;
• ¤¸ÿˆÅ ˆÅú ˆÅ¸Á£œ¸¸½£½’ ¬¸¸Ÿ¸¸¢¸ˆÅ ™¸¢¡¸÷¨¸ ›¸ú¢÷¸ ˆÅú ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ¢›¸Š¸£¸›¸ú ˆÅ£›¸¸;
• ƒÄ‡¬¸¸ú ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¤¸ÿˆÅ ˆÅú ¬¸ž¸ú Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê ˆÅ¸ ¢›¸£ú®¸µ¸ ˆÅ£›¸¸ ‚¸¾£ ƒÄ‡¬¸¬¸ú ›¸ú¢÷¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸; ‚¸¾£
• ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ/¬¸¸¿¢¨¸¢š¸ˆÅ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ÷¸í÷¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ‚¢š¸™½¢©¸÷¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ‚›¡¸ ¢ˆÅ¬¸ú ž¸»¢Ÿ¸ˆÅ¸ ˆÅ¸ ¢›¸¨¸Ä훸 ˆÅ£›¸¸.
ii. ¬¸ú‡¬¸‚¸£ ‡¨¸¿ ƒÄ‡¬¸¸ú ¬¸¢Ÿ¸¢÷¸ ˆÅú ¬¸¿£¸›¸¸
31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸ú‡¬¸‚¸£ ‡¨¸¿ ƒÄ‡¬¸¸ú ¬¸¢Ÿ¸¢÷¸ Ÿ¸Ê ¸¸£ ¬¸™¬¡¸ ©¸¸¢Ÿ¸¥¸ ˜¸½, ¢¸›¸Ÿ¸Ê ¬¸½ ™¸½ ¬¸™¬¡¸ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ˜¸½, ‚˜¸¸Ä÷¸Ã ‚š¡¸®¸ ˆ½Å ³Åœ¸ Ÿ¸Ê
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œ¸ú. ¨¸ú. ž¸¸£÷¸ú, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ.
iii. ¬¸ú‡¬¸‚¸£ ‡¨¸¿ ƒÄ‡¬¸¸ú ¬¸¢Ÿ¸¢÷¸ ˆÅú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸
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iv. ¬¸ú‡¬¸‚¸£ ‡¨¸¿ ƒÄ‡¬¸¸ú ¬¸¢Ÿ¸¢÷¸ ˆÅú ¤¸¾“ˆÅ¸Ê ˆÅú ¤¸¸£¿¤¸¸£÷¸¸
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v. ¬¸ú‡¬¸‚¸£ ‡¨¸¿ ƒÄ‡¬¸¸ú ¬¸¢Ÿ¸¢÷¸ ˆÅú ¤¸¾“ˆÊÅ
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18 ‚Š¸¬÷¸ 2023 ‚¸¾£ 27 ûÅ£¨¸£ú 2024 ˆÅ¸½ ¬¸¿œ¸››¸ íºƒô.
‡. ŠÏ¸íˆÅ ¬¸½¨¸¸ ¬¸¢Ÿ¸¢÷¸ (¬¸ú‡¬¸¬¸ú)
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¤¸ÿˆÅ Ÿ¸Ê ŠÏ¸íˆÅ ¬¸¿£®¸µ¸ ÷¸˜¸¸ ¬¸½¨¸¸ ˆÅú ‚¢ž¸©¸¸¬¸›¸ ¬¸¿£¸›¸¸ ˆÅ¸½ Ÿ¸¸¤¸»÷¸ ¤¸›¸¸›¸½ ‚¸¾£ ¬¸¸˜¸ íú ¤¸ÿˆÅ ׸£¸ œÏ™¸›¸ ˆÅú Š¸ƒÄ ¬¸½¨¸¸‚¸Ê ˆÅú Š¸ºµ¸¨¸î¸¸ Ÿ¸Ê ¢›¸£¿÷¸£
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Š¸¡¸¸ í¾.
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• ¨¡¸¸œ¸ˆÅ ¸Ÿ¸¸ ›¸ú¢÷¸ ÷¸¾¡¸¸£ ˆÅ£›¸¸;
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• ¸Ÿ¸¸ˆÅ÷¸¸Ä ˆÅú ¬¸¿÷¸º¦«’ ˆ½Å ¨¸¸¢«¸ÄˆÅ ¬¸¨¸½Ä®¸µ¸ ˆ½Å ¬¸¿¸¸¥¸›¸ ˆÅú ¸¸¿¸ ˆÅ£›¸¸;
• ŠÏ¸íˆÅ ¬¸½¨¸¸‚¸Ê ˆÅú °¸¾¨¸¸¢«¸ÄˆÅ ¥¸½‰¸¸ œ¸£ú®¸¸ ‚¸¡¸¸½¢¸÷¸ ˆÅ£›¸¸;

dm{f©H$ [anmoQ>© Annual Report 2023-24 81

ˆÅ¸Á£œ¸¸½£½’ ‚¢ž¸©¸¸¬¸›¸ ¢£œ¸¸½’Ä

• ž¸¸£÷¸ ˆ½Å ¢¨¸¢ž¸››¸ £¸¡¸¸Ê ˆ½Å ‚¸¿÷¸¢£ˆÅ ¥¸¸½ˆÅœ¸¸¥¸ ׸£¸ ¬¸Ÿ¸¸š¸¸›¸ ˆÅú ¸¸ ¸ºˆÅú ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚¸¾£ ‚¢š¸ˆÅ ¬¸¢ÇÅ¡¸ ž¸»¢Ÿ¸ˆÅ¸ ¢›¸ž¸¸›¸¸;
• ‚¸¿÷¸¢£ˆÅ ¥¸¸½ˆÅœ¸¸¥¸ ׸£¸ ¢™‡ Š¸‡ ¬¸ž¸ú ¢›¸µ¸Ä¡¸¸Ê œ¸£ š¡¸¸›¸ ™½›¸¸;
• ÷¸ú›¸ Ÿ¸¸í ¬¸½ ‚¢š¸ˆÅ ¬¸Ÿ¸¡¸ ÷¸ˆÅ ˆÅ¸¡¸¸Ä¦›¨¸÷¸ ›¸íú¿ ¢ˆÅ‡ Š¸‡ ¬¸ž¸ú ¢›¸µ¸Ä¡¸¸Ê ˆÅú ˆÅ¸£µ¸¸Ê ¬¸¢í÷¸ ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ¤¸ÿˆÅ Ÿ¸Ê ŠÏ¸íˆÅ ¬¸º£®¸¸ ‡¨¸¿ ¬¸½¨¸¸ ˆ½Å ¢¥¸‡ ¢ˆÅ‡ Š¸‡ „œ¸¸¡¸¸Ê ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ¢©¸ˆÅ¸¡¸÷¸ ¢›¸¨¸¸£µ¸ ›¸ú¢÷¸ ˆÅ¸½ ¬¸¿©¸¸½¢š¸÷¸ ˆÅ£›¸¸;
• œÏ™¸›¸ ˆÅú Š¸ƒÄ ŠÏ¸íˆÅ ¬¸½¨¸¸ ˆÅú Š¸ºµ¸¨¸î¸¸ ˆÅ¸½ œÏž¸¸¢¨¸÷¸ ˆÅ£›¸½ ¨¸¸¥¸½ ¢ˆÅ›íú¿ ‚›¡¸ Ÿ¸ºÓ¸Ê ˆÅú ¸¸¿¸ ˆÅ£›¸¸.
• ‚¸¿÷¸¢£ˆÅ ¥¸¸½ˆÅœ¸¸¥¸ ˆ½Å ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸; ‚¸¾£
• ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ/¬¸¸¿¢¨¸¢š¸ˆÅ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ÷¸í÷¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ‚¢š¸™½¢©¸÷¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ‚›¡¸ ¢ˆÅ¬¸ú ž¸»¢Ÿ¸ˆÅ¸ ˆÅ¸ ¢›¸¨¸Ä훸 ˆÅ£›¸¸.
ii. ¬¸ú‡¬¸¬¸ú ˆÅú ¬¸¿£¸›¸¸
31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸ú‡¬¸¬¸ú Ÿ¸Ê œ¸¸¿¸ ¬¸™¬¡¸ ©¸¸¢Ÿ¸¥¸ ˜¸½, ¢¸›¸Ÿ¸Ê ¬¸½ ™¸½ ¬¸™¬¡¸ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ˜¸½, ‚˜¸¸Ä÷¸Ã ‚š¡¸®¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä, ‡Ÿ¸”ú
‡¨¸¿ ¬¸úƒÄ‚¸½ ‚¸¾£ ¬¸™¬¡¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ªú ¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾, ”ú‡Ÿ¸”ú, ªú £¸¸ ˆºÅŸ¸¸£, ‡¥¸‚¸ƒÄ¬¸ú ˆ½Å ›¸¸¢Ÿ¸÷¸ú ¢›¸™½©¸ˆÅ, ªú ž¸º¨¸›¸¸›Í ¤¸ú. ¸¸½©¸ú,
¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ‚¸¾£ ªú ‚¸¡¸ œÏˆÅ¸©¸ ¬¸¸í›¸ú, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ. ªú œÏŸ¸¸½™ ˆºÅŸ¸¸£, ‚¸¿÷¸¢£ˆÅ ¥¸¸½ˆÅœ¸¸¥¸ ¬˜¸¸¡¸ú ‚¸Ÿ¸¿¢°¸÷¸ú íÿ.
iii. ¬¸ú‡¬¸¬¸ú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸
¬¸ú‡¬¸¬¸ú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸ ¬¸™¬¡¸¸Ê ˆÅú ˆºÅ¥¸ ¬¸¿‰¡¸¸ ˆÅ¸ ‡ˆÅ ¢÷¸í¸ƒÄ ‚˜¸¨¸¸ ¬¸ú‡¬¸¬¸ú ˆ½Å ™¸½ ¬¸™¬¡¸, ƒ›¸Ÿ¸Ê ¬¸½ ¸¸½ ‚¢š¸ˆÅ í¸½, í¸½Š¸¸.
iv. ¬¸ú‡¬¸¬¸ú ¤¸¾“ˆÅ¸Ê ˆÅú ¤¸¸£¿¤¸¸£÷¸¸
¬¸ú‡¬¸¬¸ú ˆÅú ¤¸¾“ˆÊÅ ¢÷¸Ÿ¸¸íú ‚¸š¸¸£ œ¸£ ‚¸¡¸¸½¢¸÷¸ ˆÅú ¸¸‡¿Š¸ú.
v. ¬¸ú‡¬¸¬¸ú ˆÅú ¤¸¾“ˆÊÅ
¬¸Ÿ¸ú®¸¸š¸ú›¸ ‚¨¸¢š¸ (1 ‚œÏ¾¥¸ 2023 ¬¸½ 31 Ÿ¸¸¸Ä 2024) ˆ½Å ™¸¾£¸›¸ ¬¸ú‡¬¸¬¸ú ˆÅú ¸¸£ ¤¸¾“ˆÊÅ ¢™›¸¸¿ˆÅ 31 Ÿ¸ƒÄ 2023; 18 ‚Š¸¬÷¸ 2023; 29 ›¸¨¸¿¤¸£
2023 ‚¸¾£ 28 ûÅ£¨¸£ú 2024 ˆÅ¸½ ¬¸¿œ¸››¸ íºƒô.

‡½. ¬¸»¸›¸¸ œÏ¸¾Ô¸¸½¢Š¸ˆÅú £µ¸›¸ú¢÷¸ ¬¸¢Ÿ¸¢÷¸ (‚¸ƒÄ’ú‡¬¸¬¸ú)

i. ¢¨¸¸¸£¸˜¸Ä ¢¨¸«¸¡¸
¤¸ÿˆÅ Ÿ¸Ê œÏž¸¸¨¸ú œÏ¸¾Ô¸¸½¢Š¸ˆÅú œ¥¸½’ûŸÁŸ¸Ä „œ¸¥¸¤š¸ ˆÅ£¸›¸½ ˆ½Å ¢¥¸‡ ¬¸»¸›¸¸ œÏ¸¾Ô¸¸½¢Š¸ˆÅú £µ¸›¸ú¢÷¸ ¬¸¢Ÿ¸¢÷¸ (‚¸ƒÄ’ú‡¬¸¬¸ú) ˆÅ¸ Š¸“›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ƒ¬¸ˆÅ¸
„Ó½©¡¸ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ¢¨¸¢ž¸››¸ ‚¸ƒÄ’ú ¬¸Ÿ¸˜¸ÄˆÅ¸£ú ¬¸½¨¸¸‡¿ œÏ™¸›¸ ˆÅ£›¸¸, ´¦«’ˆÅ¸½µ¸ ˆÅ¸½ ¬¸º¬¸¿Š¸÷¸ ¤¸›¸¸›¸½ Ÿ¸Ê Ÿ¸™™ ˆÅ£›¸¸, ›¸‡ ‚¸ƒÄ’ú „÷œ¸¸™ ¥¸¸¿¸ ˆÅ£›¸½ Ÿ¸Ê
¬¸í¸¡¸÷¸¸ ™½›¸¸ ‡¨¸¿ ÷¸÷¬¸¿¤¸¿š¸ú ¬¸½¨¸¸‡¿ œÏ™¸›¸ ˆÅ£›¸¸ ‚¸¾£ ¬¸¸ƒ¤¸£ ¬¸º£®¸¸ œÏ¤¸¿š¸›¸ ¡¸¸½¸›¸¸‚¸Ê ÷¸˜¸¸ ¬¸¸ƒ¤¸£ ¬¸º£®¸¸ ›¸ú¢÷¸¡¸¸Ê ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆÅú ¢›¸Š¸£¸›¸ú
ˆÅ£›¸¸ í¾. ¬¸¢Ÿ¸¢÷¸ ˆÅú ž¸»¢Ÿ¸ˆÅ¸‡¿ ‚¸¾£ ¢¸ŸŸ¸½™¸¢£¡¸¸¿ ¬¸»¸›¸¸ ¬¸º£®¸¸, ƒ¥¸½Æ’ï¸Á¢›¸ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸, œÏ¸¾Ô¸¸½¢Š¸ˆÅú ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ‚¸¾£ ¬¸¸ƒ¤¸£ š¸¸½‰¸¸š¸”õú ˆ½Å ¤¸¸£½ Ÿ¸½¿
¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º³Åœ¸ íÿ ‚¸¾£ ƒ¬¸Ÿ¸Ê ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ©¸¸¢Ÿ¸¥¸ íÿÀ
• ‚¸ƒÄ’ú £µ¸›¸ú¢÷¸ ‚¸¾£ ›¸ú¢÷¸ ™¬÷¸¸¨¸½¸¸Ê ˆÅú ¬¸Ÿ¸ú®¸¸ ™½›¸¸;
• ¡¸í ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸¸ ¢ˆÅ ¤¸ÿˆÅ ›¸½ ‡ˆÅ œÏž¸¸¨¸ú ‚¸ƒÄ’ú £µ¸›¸ú¢÷¸ˆÅ ¡¸¸½¸›¸¸ œÏ¢ÇÅ¡¸¸ ¥¸¸Š¸» ˆÅú í¾;
• ‚¸ƒÄ’ú £µ¸›¸ú¢÷¸ ˆÅú ÷¸¾¡¸¸£ú Ÿ¸Ê Ÿ¸¸Š¸Ä™©¸Ä›¸ ˆÅ£›¸¸ ‚¸¾£ ¡¸í ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸¸ ¢ˆÅ ‚¸ƒÄ’ú £µ¸›¸ú¢÷¸ ‚œ¸›¸½ ¨¡¸¨¸¬¸¸¢¡¸ˆÅ „Ó½©¡¸¸Ê ˆÅú œ¸»¢÷¸Ä ˆ½Å ¢¥¸‡
¤¸ÿˆÅ ˆÅú ¬¸Ÿ¸ŠÏ £µ¸›¸ú¢÷¸ ˆ½Å ¬¸¸˜¸ ¬¸¿£½¢‰¸÷¸ í¸½;
• ¬¨¸¡¸¿ ˆÅ¸½ ¬¸¿÷¸º«’ ˆÅ£›¸¸ ¢ˆÅ ‚¸ƒÄ’ú ‚¢ž¸©¸¸¬¸›¸ ‚¸¾£ ¬¸»¸›¸¸ ¬¸º£®¸¸ ‚¢ž¸©¸¸¬¸›¸ ¬¸¿£¸›¸¸ ¸¨¸¸¤¸™½íú ˆÅ¸½ ¤¸õ¸¨¸¸ ™½÷¸ú í¾, œÏž¸¸¨¸ú ‚¸¾£ ˆºÅ©¸¥¸
í¾, ƒ¬¸Ÿ¸Ê œ¸¡¸¸Äœ÷¸ ˆºÅ©¸¥¸ ¬¸¿¬¸¸š¸›¸, ¬¸ºœ¸¢£ž¸¸¢«¸÷¸ „Ó½©¡¸ ‚¸¾£ ¬¸¿Š¸“›¸ Ÿ¸Ê œÏ÷¡¸½ˆÅ ¬÷¸£ ˆ½Å ¢¥¸‡ ¬œ¸«’ ¢¸ŸŸ¸½™¸¢£¡¸¸Â íÿ.
• ¡¸í ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸¸ ¢ˆÅ ¤¸ÿˆÅ ›¸½ ‚¸ƒÄ’ú ‚¸¾£ ¬¸¸ƒ¤¸£ ¬¸º£®¸¸ ¸¸½¢‰¸Ÿ¸¸Ê ˆÅ¸ ‚¸ˆÅ¥¸›¸ ‚¸¾£ œÏ¤¸¿š¸›¸ ˆ½Å ¢¥¸‡ œÏ¢ÇÅ¡¸¸‡¿ ¤¸›¸¸ƒÄ íÿ;
• ¡¸í ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸¸ ¢ˆÅ ‚¸ƒÄ’ú ˆÅ¸¡¸Ä (‚¸ƒÄ’ú ¬¸º£®¸¸ ¬¸¢í÷¸), ¬¸¸ƒ¤¸£ ¬¸º£®¸¸ ¤¸ÿˆÅ ˆÅú ‚¸ƒÄ’ú œ¸¢£œ¸Æ¨¸÷¸¸, ¢”¢¸’¥¸ Š¸í£¸ƒÄ, ‰¸÷¸£½ ˆ½Å
Ÿ¸¸í¸¾¥¸ ‚¸¾£ „Ô¸¸½Š¸ Ÿ¸¸›¸ˆÅ¸Ê ˆ½Å ‚›¸º³Åœ¸ íÿ ‚¸¾£ ¤¸÷¸¸‡ Š¸‡ „Ó½©¡¸¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ „œ¸¡¸¸½Š¸ ¢ˆÅ‡ Š¸‡ íÿ; ‚¸¾£

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• ¤¸ÿˆÅ ˆÅú ˆÅ¸£¸½¤¸¸£ ¢›¸£¿÷¸£÷¸¸ ¡¸¸½¸›¸¸ ‚¸¾£ ‚¸œ¸™¸ ¬¸½ „¤¸£›¸½ ˆÅ¸ œÏ¤¸¿š¸›¸ ˆÅú œ¸¡¸¸Äœ÷¸÷¸¸ ‚¸¾£ œÏž¸¸¨¸©¸ú¥¸÷¸¸ ˆÅú ˆÅŸ¸ ¬¸½ ˆÅŸ¸ ¨¸¸¢«¸ÄˆÅ ‚¸š¸¸£ œ¸£
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• ¤¸¸½”Ä ˆÅ¸½ œÏ¬÷¸¸¢¨¸÷¸ ‚¸ƒÄ’ú ¤¸¸’ ˆÅú ¬¸¿¬÷¸º¢÷¸ ˆÅ£›¸¸;
• ‚¸ƒÄ’ú ¤¸¸’ ˆ½Å „œ¸¡¸¸½Š¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ¤¸ÿˆÅ ˆ½Å ŠÏ¸íˆÅ¸Ê ˆ½Å ¢¥¸‡ ¢¨¸¢ž¸››¸ „÷œ¸¸™¸Ê ÷¸˜¸¸ ‚¸ƒÄ’ú ¬¸Ÿ¸¢˜¸Ä÷¸ ¬¸½¨¸¸‚¸Ê ˆ½Å œÏ¸£¿ž¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ‚¸¿÷¸¢£ˆÅ ‚˜¸¨¸¸ ¤¸¸í£ ¬¸½ ‰¸£ú™½ Š¸‡ ¢¨¸¢ž¸››¸ œÏˆÅ¸£ ˆ½Å ¬¸¸ÁÉ’¨¸½¡¸£/ í¸”Ä¨¸½¡¸£ ˆ½Å ¢¨¸ˆÅ¸¬¸, ‚¢š¸œÏ¸¦œ÷¸ ‚¸¾£ œ¸¢£¸¸¥¸›¸¸Ê ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸
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• œÏµ¸¸¥¸ú ‚¸¾£ œÏ¢ÇÅ¡¸¸‚¸Ê ˆ½Å ¢›¸«œ¸¸™›¸, ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ‚¸¾£ œ¸¢£¸¸¥¸›¸ ˆÅú ¢›¸Š¸£¸›¸ú ˆÅ£›¸¸;
• œÏ¸¾Ô¸¸½¢Š¸ˆÅú ˆ½Å {¸¢£‡ ©¸¸‰¸¸‚¸Ê ˆ½Å ‡ˆÅúˆÅ£µ¸ ‚¸¾£ ¤¸ÿˆÅ ˆ½Å ¢¥¸‡ ‡Ÿ¸‚¸ƒÄ‡¬¸ ˆ½Å ¢¨¸ˆÅ¸¬¸ ˆÅ¸ ¢›¸£ú®¸µ¸ ˆÅ£›¸¸;
• œÏ¸¾Ô¸¸½¢Š¸ˆÅú ‚¸¢ˆÄÅ’½Æ¸£ ˆÅú ‚Ô¸÷¸›¸ ¦¬˜¸¢÷¸ ‚¸¾£ ˆÅú Š¸ƒô œÏŸ¸º‰¸ ‚¸ƒÄ’ú œ¸í¥¸¸Ê ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ¬¸»¸›¸¸/¬¸¸ƒ¤¸£ ¬¸º£®¸¸ ¬¸¿¤¸¿š¸ú ‹¸’›¸¸‚¸Ê ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ¬¸»¸›¸¸ ¬¸º£®¸¸ ›¸ú¢÷¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ‚¸ƒÄ’ú ›¸ú¢÷¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ¬¸¸ƒ¤¸£ ¬¸º£®¸¸ ¬¸¿¤¸¿š¸ú ÷¸¾¡¸¸£ú ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ£›¸¸;
• ¬¸¸ƒ¤¸£ ¬¸º£®¸¸ œÏ¤¸¿š¸›¸ ¡¸¸½¸›¸¸‚¸Ê ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆÅú ¢›¸Š¸£¸›¸ú ˆÅ£›¸¸;
• ¬¸¸ƒ¤¸£ ¬¸º£®¸¸ ›¸ú¢÷¸¡¸¸Ê ˆÅú ¢›¸Š¸£¸›¸ú ˆÅ£›¸¸; ‚¸¾£
• ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ/¬¸¸¿¢¨¸¢š¸ˆÅ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ÷¸í÷¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ‚¢š¸™½¢©¸÷¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ‚›¡¸ ¢ˆÅ¬¸ú ž¸»¢Ÿ¸ˆÅ¸ ˆÅ¸ ¢›¸¨¸Ä훸 ˆÅ£›¸¸.
ii. ‚¸ƒÄ’ú‡¬¸¬¸ú ˆÅú ¬¸¿£¸›¸¸
31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‚¸ƒÄ’ú‡¬¸¬¸ú Ÿ¸Ê Ží ¬¸™¬¡¸ ©¸¸¢Ÿ¸¥¸ ˜¸½, ¢¸›¸Ÿ¸Ê ¬¸½ ™¸½ ¬¸™¬¡¸ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ˜¸½, ‚˜¸¸Ä÷¸Ã ‚š¡¸®¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ªú ‡›¸. ¸¿¤¸º›¸¸˜¸›¸,
¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ‚¸¾£ ¬¸™¬¡¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä, ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½, ªú ¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾, ”ú‡Ÿ¸”ú, ªú Ÿ¸›¸¸½¸ ¬¸í¸¡¸, ¬¸£ˆÅ¸£ ˆ½Å
›¸¸¢Ÿ¸÷¸ú ¢›¸™½©¸ˆÅ, ªú £¸¸ ˆºÅŸ¸¸£, ‡¥¸‚¸ƒÄ¬¸ú ˆ½Å ›¸¸¢Ÿ¸÷¸ú ¢›¸™½©¸ˆÅ, ‚¸¾£ ªú ‚¸¡¸ œÏˆÅ¸©¸ ¬¸¸í›¸ú, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ.
iii. ‚¸ƒÄ’ú‡¬¸¬¸ú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸
‚¸ƒÄ’ú‡¬¸¬¸ú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸ ¬¸™¬¡¸¸Ê ˆÅú ˆºÅ¥¸ ¬¸¿‰¡¸¸ ˆÅ¸ ‡ˆÅ ¢÷¸í¸ƒÄ ‚˜¸¨¸¸ ‚¸ƒÄ’ú‡¬¸¬¸ú ˆ½Å ™¸½ ¬¸™¬¡¸, ƒ›¸Ÿ¸Ê ¬¸½ ¸¸½ ‚¢š¸ˆÅ í¸½, í¸½Š¸¸.
iv. ‚¸ƒÄ’ú‡¬¸¬¸ú ¤¸¾“ˆÅ¸Ê ˆÅú ¤¸¸£¿¤¸¸£÷¸¸
‚¸ƒÄ’ú‡¬¸¬¸ú ˆÅú ¤¸¾“ˆÊÅ ¢÷¸Ÿ¸¸íú ‚¸š¸¸£ œ¸£ ‚¸¡¸¸½¢¸÷¸ ˆÅú ¸¸‡¿Š¸ú.
v. ‚¸ƒÄ’ú‡¬¸¬¸ú ˆÅú ¤¸¾“ˆÊÅ
¬¸Ÿ¸ú®¸¸š¸ú›¸ ‚¨¸¢š¸ (1 ‚œÏ¾¥¸ 2023 ¬¸½ 31 Ÿ¸¸¸Ä 2024) ˆ½Å ™¸¾£¸›¸, ‚¸ƒÄ’ú‡¬¸¬¸ú ˆÅú ¸¸£ ¤¸¾“ˆÊÅ 13 ¸»›¸ 2023; 14 ¢¬¸÷¸¿¤¸£ 2023; 14 ¢™¬¸¿¤¸£
2023 ‚¸¾£ 14 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‚¸¡¸¸½¢¸÷¸ ˆÅú Š¸ƒô.
‚¸½. ›¸¸Ÿ¸¸¿ˆÅ›¸ ‡¨¸¿ œ¸¸¢£ª¢Ÿ¸ˆÅ ¬¸¢Ÿ¸¢÷¸ (‡›¸‚¸£¬¸ú)
i. ¢¨¸¸¸£¸˜¸Ä ¢¨¸«¸¡¸
›¸¸Ÿ¸¸¿ˆÅ›¸ ‡¨¸¿ œ¸¸¢£ª¢Ÿ¸ˆÅ ¬¸¢Ÿ¸¢÷¸ (‡›¸‚¸£¬¸ú) ˆÅú ¨¡¸¸œ¸ˆÅ ž¸»¢Ÿ¸ˆÅ¸ ‚¸¾£ „™¸¢¡¸÷¨¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿÀ
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dm{f©H$ [anmoQ>© Annual Report 2023-24 83

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• ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ˆÅú œÏ÷¡¸½ˆÅ ¢›¸¡¸º¢Æ÷¸ ˆ½Å ¢¥¸‡ ¤¸¸½”Ä Ÿ¸Ê ˆÅ¸¾©¸¥¸, ±¸¸›¸ ‚¸¾£ ‚›¸ºž¸¨¸ ˆ½Å ¬¸¿÷¸º¥¸›¸ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ£›¸¸ ‚¸¾£ ƒ¬¸ ÷¸£í ˆ½Å Ÿ¸»¥¡¸¸¿ˆÅ›¸
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- ¡¸¢™ ‚¸¨¸©¡¸ˆÅ í¸½ ÷¸¸½ ¤¸¸í£ú ‡¸Ê¢¬¸¡¸¸Ê ˆÅú ¬¸½¨¸¸‚¸Ê ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£Ê;
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• ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅú ¢¨¸¢¨¸š¸÷¸¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê ›¸ú¢÷¸ ÷¸¾¡¸¸£ ˆÅ£›¸¸;
• ‡½¬¸½ ¨¡¸¢Æ÷¸¡¸¸Ê ˆÅú œ¸í¸¸›¸ ˆÅ£›¸¸ ¸¸½ ¢›¸™½©¸ˆÅ ¤¸›¸›¸½ ˆ½Å ¡¸¸½Š¡¸ íÿ ‚¸¾£ ¢¸›íÊ ¢›¸š¸¸Ä¢£÷¸ Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚›¸º¬¸¸£ ¨¸¢£«“ œÏ¤¸¿š¸›¸ Ÿ¸Ê ¢›¸¡¸ºÆ÷¸ ¢ˆÅ¡¸¸
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• ‚íÄ÷¸¸, ¢¨¸©¸½«¸±¸÷¸¸, ’ﾈŠ¢£ˆÅ¸Á”Ä, ¬¸÷¡¸¢›¸«“¸, `„œ¸¡¸ºÆ÷¸ ‚¸¾£ „¢¸÷¸' Ÿ¸¸›¸™¿”, ¬¸ˆÅ¸£¸÷Ÿ¸ˆÅ Š¸ºµ¸¸Ê ‚¸¾£ ¬¨¸÷¸¿°¸ (¡¸¢™ ¥¸¸Š¸» í¸½) ÷¸˜¸¸ ¬¨¸÷¸¿°¸
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¢›¸¡¸º¢Æ÷¸ ˆÅ¸½ ¸¸£ú £‰¸›¸½ ˆÅú ¡¸¸½Š¡¸÷¸¸ ˆÅ¸½ ¢›¸š¸¸Ä¢£÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¬¸Ÿ¸º¢¸÷¸ ¬¸¸¨¸š¸¸›¸ú ˆÅú œÏ¢ÇÅ¡¸¸ œ¸£ ˆÅ¸¡¸Ä ˆÅ£›¸¸ ÷¸˜¸¸ „¬¸¬¸½ ¬¸¿¤¸¿¢š¸÷¸ Ÿ¸¸›¸™¿”
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• œ¸¸¢£ª¢Ÿ¸ˆÅ ‚¸¾£ ¸¸½¢‰¸Ÿ¸ ˆ½Å ¤¸ú¸ œÏž¸¸¨¸ú ¬¸º¡¸¸½¸›¸ œÏ¸œ÷¸ ˆÅ£›¸½ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ¬¸¢Ÿ¸¢÷¸ ˆ½Å ¬¸¸˜¸ ¬¸Ÿ¸›¨¸¡¸ ˆÅ¸¡¸Ä ˆÅ£›¸¸; ‚¸¾£
• ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ/¬¸¸¿¢¨¸¢š¸ˆÅ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ÷¸í÷¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ‚¢š¸™½¢©¸÷¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ‚›¡¸ ¢ˆÅ¬¸ú ž¸»¢Ÿ¸ˆÅ¸ ˆÅ¸ ¢›¸¨¸Ä훸 ˆÅ£›¸¸.
ii. ‡›¸‚¸£¬¸ú ˆÅú ¬¸¿£¸›¸¸
31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‡›¸‚¸£¬¸ú Ÿ¸Ê ¬¸¸÷¸ ¬¸™¬¡¸ ©¸¸¢Ÿ¸¥¸ ˜¸½, ¬¸ž¸ú ¬¸™¬¡¸ Š¸¾£-ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ íÿ, ¢¸¬¸Ÿ¸Ê œ¸¸¿¸ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ©¸¸¢Ÿ¸¥¸ íÿ, ‚˜¸¸Ä÷¸Ã
‚š¡¸®¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ªú ™úœ¸ˆÅ ¢¬¸¿‹¸¥¸, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ‚¸¾£ ¬¸™¬¡¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ªú ¬¸º©¸ú¥¸ ˆºÅŸ¸¸£ ¢¬¸¿í, ¬¸£ˆÅ¸£ ˆ½Å ›¸¸¢Ÿ¸÷¸ú ¢›¸™½©¸ˆÅ, ªú Ÿ¸ºˆ½Å©¸ ˆºÅŸ¸¸£
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iii. ‡›¸‚¸£¬¸ú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸
‡›¸‚¸£¬¸ú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸ ÷¸ú›¸ ¬¸™¬¡¸¸Ê ˆÅ¸ í¸½Š¸¸ ¢¸›¸Ÿ¸Ê ¬¸½ ‡›¸‚¸£¬¸ú ˆÅú ¤¸¾“ˆÅ¸Ê Ÿ¸Ê ž¸¸Š¸ ¥¸½›¸½ ¨¸¸¥¸½ ˆÅŸ¸ ¬¸½ ˆÅŸ¸ ‚¸š¸½ ¬¸™¬¡¸ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ
í¸ÊŠ¸½ ‚¸¾£ ‡ˆÅ ‚¸£‡Ÿ¸¬¸ú ˆÅ¸ ¬¸™¬¡¸ í¸½Š¸¸. ‡›¸‚¸£¬¸ú ˆ½Å ‚š¡¸®¸ ‡ˆÅ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ í¸ÊŠ¸½ ¸¸½ ¤¸¸½”Ä ˆÅú ‚š¡¸®¸÷¸¸ ›¸íú¿ ˆÅ£ÊŠ¸½.
iv. ‡›¸‚¸£¬¸ú ¤¸¾“ˆÅ¸Ê ˆÅú ¤¸¸£¿¤¸¸£÷¸¸À
¨¸«¸Ä Ÿ¸Ê ˆÅŸ¸ ¬¸½ ˆÅŸ¸ ‡ˆÅ ¤¸¸£ ‡›¸‚¸£¬¸ú ˆÅú ¤¸¾“ˆÅ ‚¸¡¸¸½¢¸÷¸ ˆÅú ¸¸‡Š¸ú.
v. ‡›¸‚¸£¬¸ú ˆÅú ¤¸¾“ˆÊÅ
¬¸Ÿ¸ú®¸¸š¸ú›¸ ‚¨¸¢š¸ (1 ‚œÏ¾¥¸ 2023 ¬¸½ 31 Ÿ¸¸¸Ä 2024) ˆ½Å ™¸¾£¸›¸ ‡›¸‚¸£¬¸ú ˆÅú Ží ¤¸¾“ˆÊÅ 28 ‚œÏ¾¥¸ 2023; 30 Ÿ¸ƒÄ 2023; 18 ‚Š¸¬÷¸
2023; 30 ›¸¨¸Ÿ¤¸£ 2023; 26 ¢™¬¸¿¤¸£ 2023 ‚¸¾£ 28 ûÅ£¨¸£ú 2024 ˆÅ¸½ ¬¸¿œ¸››¸ íºƒô.

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vi. ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸¡¸Ä-¢›¸«œ¸¸™›¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ Ÿ¸¸›¸™¿”

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¸¸÷¸¸ í¾ ¢¸¬¸Ÿ¸Ê ¤¸¸½”Ä Ÿ¸Ê „œ¸¦¬˜¸¢÷¸, ¤¸¾“ˆÅ ˆ½Å ™¸¾£¸›¸ ž¸¸Š¸ú™¸£ú, ¢›¸™½©¸ˆÅ¸Ê ˆ½Å ¡¸¸½Š¸™¸›¸ ˆÅ¸ ¬÷¸£, ±¸¸›¸ ˆÅú Š¸ºµ¸¨¸î¸¸ ‚¸¾£ ¢¨¸«¸¡¸ ˆÅú ¬¸Ÿ¸¸, œ¸¸£™¢©¸Ä÷¸¸
ˆÅ¸ ¬÷¸£ ‚¸¢™ ˆÅ¸Áœ¸¸½Ä£½’ ‚¢ž¸©¸¸¬¸›¸ ˆ½Å Ÿ¸¸›¸™¿” ©¸¸¢Ÿ¸¥¸ íÿ. Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê ‚œ¸›¸ú £¸¡¸ ¤¸›¸¸›¸½ ˆ½Å ¢¥¸‡ œÏ©›¸¸¨¸¥¸ú œ¸í¥¸½ íú ¢›¸™½©¸ˆÅ¸Ê ˆÅ¸½ ¢¨¸¸¸£
ˆÅ£›¸½ ˆ½Å ¢¥¸‡ œ¸¢£¸¸¢¥¸÷¸ ˆÅ£ ™ú ¸¸÷¸ú í¾. ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ¸Ê ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢¸¬¸ ¢›¸™½©¸ˆÅ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢ˆÅ¡¸¸ ¸¸ £í¸ í¾, „›íÊ Ž¸½”õˆÅ£ œ¸»£½ ¢›¸™½©¸ˆÅ
Ÿ¸¿”¥¸ ׸£¸ ¢ˆÅ¡¸¸ ¸¸ £í¸ í¾. Ÿ¸»¥¡¸¸¿ˆÅ›¸ Ÿ¸Ê „œ¸¡¸ºÄÆ÷¸ Ÿ¸¸œ¸™¿”¸Ê œ¸£ ¢›¸™½©¸ˆÅ¸Ê ˆÅ¸ ˆÅ¸¡¸Ä-¢›¸«œ¸¸™›¸ ‚¸¾£ ¬¨¸÷¸¿°¸ Ÿ¸¸›¸™¿”¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£›¸¸ ©¸¸¢Ÿ¸¥¸ í¾. ƒ¬¸ˆ½Å
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‚¸¾. Ÿ¸¸›¸¨¸ ¬¸¿¬¸¸š¸›¸ ¬¸¿¸¸¥¸›¸ ¬¸¢Ÿ¸¢÷¸ (‡¸‚¸£‡¬¸¬¸ú)
i. ¢¨¸¸¸£¸˜¸Ä ¢¨¸«¸¡¸
Ÿ¸¸›¸¨¸ ¬¸¿¬¸¸š¸›¸ ¬¸¿¤¸¿š¸ú Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅ¸½ ™½‰¸›¸½ ‚¸¾£ Ÿ¸¸›¸¨¸ ¬¸¿¬¸¸š¸›¸ ¬¸½ ¸º”õ½ Ÿ¸í÷¨¸œ¸»µ¸Ä Ÿ¸ºÓ¸Ê œ¸£ ¢¨¸¸¸£-¢¨¸Ÿ¸©¸Ä ˆÅ£›¸½ í½÷¸º Ÿ¸¸›¸¨¸ ¬¸¿¬¸¸š¸›¸ ¬¸¿¸¸¥¸›¸ ¬¸¢Ÿ¸¢÷¸
(‡¸‚¸£‡¬¸¬¸ú) ˆÅ¸ Š¸“›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
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• ž¸÷¸úÄ ‚¸¾£ œÏ¢©¸®¸µ¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ›¸ú¢÷¸¡¸¸¿ ¤¸›¸¸›¸¸;
• ˆÅ¸¡¸Ä-¢›¸«œ¸¸™›¸ œÏ¤¸¿š¸›¸, ®¸¢÷¸œ¸»¢÷¸Ä ‚¸¾£ ˆ¾Å¢£¡¸£ ¢¨¸ˆÅ¸¬¸ œ¸í¥¸¸Ê ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• œÏ¤¸¿š¸›¸ ¡¸¸½¸›¸¸, ¢¨¸ˆÅ¸¬¸ ‚¸¾£ „¸¢š¸ˆÅ¸£ ¡¸¸½¸›¸¸ œ¸£ ¢¨¸¸¸£ ˆÅ£›¸¸;
• ‡¸‚¸£ £µ¸›¸ú¢÷¸ ˆÅ¸½ ˆÅ¸£¸½¤¸¸£ £µ¸›¸ú¢÷¸ ¨¸ ¡¸¸½¸›¸¸ ˆ½Å ‚›¸ºˆ»Å¥¸ ¤¸›¸¸›¸¸;
• ˆÅ¸¢Ÿ¸ÄˆÅ ˆÅú ¢›¸¡¸º¢Æ÷¸, Ÿ¸¸›¸¨¸©¸¢Æ÷¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸, œ¸™¸½››¸¢÷¸ ‚¸¢™ ¬¸¢í÷¸ ¢¨¸¢ž¸››¸ ‚›¡¸ ‡¸‚¸£ Ÿ¸¸Ÿ¸¥¸¸Ê œ¸£ ¢¨¸¸¸£ ‚¸¾£ ‚›¸ºŸ¸¸½™›¸ œÏ™¸›¸ ˆÅ£›¸¸;
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ii. ‡¸‚¸£‡¬¸¬¸ú ˆÅú ¬¸¿£¸›¸¸
31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‡¸‚¸£‡¬¸¬¸ú Ÿ¸Ê Ží ¬¸™¬¡¸ ©¸¸¢Ÿ¸¥¸ ˜¸½, ¢¸›¸Ÿ¸Ê ¬¸½ ™¸½ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ˜¸½, ‚˜¸¸Ä÷¸Ã ‚š¡¸®¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä, ‡Ÿ¸”ú
‡¨¸¿ ¬¸úƒÄ‚¸½ ‚¸¾£ ¬¸™¬¡¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ªú ¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾, ”ú‡Ÿ¸”ú, ªú ¬¸º©¸ú¥¸ ˆºÅŸ¸¸£ ¢¬¸¿í, ¬¸£ˆÅ¸£ ˆ½Å ›¸¸¢Ÿ¸÷¸ú ¢›¸™½©¸ˆÅ, ªú Ÿ¸ºˆ½Å©¸ ˆºÅŸ¸¸£
Š¸ºœ÷¸¸, ‡¥¸‚¸ƒÄ¬¸ú ˆ½Å ›¸¸¢Ÿ¸÷¸ú ¢›¸™½©¸ˆÅ, ªú ™úœ¸ˆÅ ¢¬¸¿‹¸¥¸, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ‚¸¾£ ªú ’ú. ‡›¸. Ÿ¸›¸¸½í£›¸, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ.
iii. ‡¸‚¸£‡¬¸¬¸ú ˆÅú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸
‡¸‚¸£‡¬¸¬¸ú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸ ˆºÅ¥¸ ¬¸™¬¡¸¸Ê ˆÅú ¬¸¿‰¡¸¸ ˆÅ¸ ‡ˆÅ-¢÷¸í¸ƒÄ ‚˜¸¨¸¸ ‡¸‚¸£‡¬¸¬¸ú ˆ½Å ™¸½ ¬¸™¬¡¸, ƒ›¸Ÿ¸Ê ¬¸½ ¸¸½ ž¸ú ‚¢š¸ˆÅ í¸½, í¸½Š¸¸.
iv. ‡¸‚¸£‡¬¸¬¸ú ¤¸¾“ˆÅ¸Ê ˆÅú ¤¸¸£¿¤¸¸£÷¸¸
‡¸‚¸£‡¬¸¬¸ú ˆÅú ¤¸¾“ˆÅ ‚¸¨¸©¡¸ˆÅ÷¸¸ ˆ½Å ‚›¸º¬¸¸£ ‚¸¡¸¸½¢¸÷¸ ˆÅú ¸¸‡Š¸ú.
v. ‡¸‚¸£‡¬¸¬¸ú ˆÅú ¤¸¾“ˆÊÅ
¬¸Ÿ¸ú®¸¸š¸ú›¸ ‚¨¸¢š¸ (1 ‚œÏ¾¥¸ 2023 ¬¸½ 31 Ÿ¸¸¸Ä 2024) ˆ½Å ™¸¾£¸›¸ ‡¸‚¸£‡¬¸¬¸ú ˆÅú œ¸¸Â¸ ¤¸¾“ˆÊÅ 31 Ÿ¸ƒÄ 2023; 11 ‚Š¸¬÷¸ 2023; 30 ¢¬¸÷¸¿¤¸£
2023; 27 ¢™¬¸¿¤¸£ 2023 ‚¸¾£ 27 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‚¸¡¸¸½¢¸÷¸ ˆÅú Š¸ƒô.

‚¿. ¨¸¬¸»¥¸ú ¬¸Ÿ¸ú®¸¸ ¬¸¢Ÿ¸¢÷¸ (‚¸£‚¸£¬¸ú)

i. ¢¨¸¸¸£¸˜¸Ä ¢¨¸«¸¡¸
ž¸¸£÷¸ ¬¸£ˆÅ¸£ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê/ ¤¸¸½”Ä ˆÅú ¢¬¸ûŸ¢£©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ‚›¸¸ÄˆÅ ‚¸¦¬÷¸¡¸¸Ê (‡›¸œ¸ú‡), ™¤¸¸¨¸ŠÏ¬÷¸ ‰¸¸÷¸¸Ê, ¤¸’Ã’½ ‰¸¸÷¸½ ”¸¥¸½ Š¸‡ Ÿ¸¸Ÿ¸¥¸¸Ê,
¬¸£ˆÅ¸£ú œ¸¢£¬¸Ÿ¸¸œ¸ˆÅ (‚¸½‡¥¸) Ÿ¸¸Ÿ¸¥¸¸Ê, †µ¸ ¨¸¬¸»¥¸ú ›¡¸¸¡¸¸¢š¸ˆÅ£µ¸ (”ú‚¸£’ú) Ÿ¸¸Ÿ¸¥¸¸Ê ‚¸¢™ ¬¸½ ¨¸¬¸»¥¸ú ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‚¸¾£ ¨¸¬¸»¥¸ú ˆÅú
œÏŠ¸¢÷¸ œ¸£ ¢›¸Š¸£¸›¸ú £‰¸›¸½ ÷¸˜¸¸ ‚›¡¸ ¬¸¿¤¸¿¢š¸÷¸ œÏ¡¸¸½¸›¸¸Ê ˆ½Å ¢¥¸‡ ¨¸¬¸»¥¸ú ¬¸Ÿ¸ú®¸¸ ¬¸¢Ÿ¸¢÷¸ (‚¸£‚¸£¬¸ú) ˆÅ¸ Š¸“›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.

dm{f©H$ [anmoQ>© Annual Report 2023-24 85

ˆÅ¸Á£œ¸¸½£½’ ‚¢ž¸©¸¸¬¸›¸ ¢£œ¸¸½’Ä

‚¸£‚¸£¬¸ú ˆÅú ¨¡¸¸œ¸ˆÅ ž¸»¢Ÿ¸ˆÅ¸ ‚¸¾£ „™¸¢¡¸÷¨¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿÀ

• œ¸í¥¸ú ¤¸¸£ íº‡ ‡›¸œ¸ú‡ (‡ûöÅ’ú‡›¸œ¸ú‡) ‚¸¾£ ‡›¸œ¸ú‡ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ©¸ú«¸Ä 100 ‡›¸œ¸ú‡ ‡¨¸¿ ÷¸ˆÅ›¸úˆÅú ³Åœ¸ ¬¸½ ¤¸’Ã’½ ‰¸¸÷¸½ ”¸¥¸½ Š¸¡¸½ (’ú”¤¸¥¡¸»‚¸½) ‰¸¸÷¸¸Ê ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ¨¸¸™ ™¸¡¸£ ¢ˆÅ‡ Š¸‡ Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ¬¸£û½Å‡¬¸ú ‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å ÷¸í÷¸ ˆÅ¸£Ä¨¸¸ƒÄ - ¦¬˜¸¢÷¸ ¢£œ¸¸½’Ä ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸.
• ¢™¨¸¸¥¸¸ ‡¨¸¿ ©¸¸½š¸›¸ ‚®¸Ÿ¸÷¸¸ ˆÅ¸½” (‚¸ƒÄ¤¸ú¬¸ú), 2016 ˆ½Å ÷¸í÷¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ¬¸£ˆÅ¸£ú œ¸¢£¬¸Ÿ¸¸œ¸ˆÅ (‚¸½‡¥¸) ˆ½Å œ¸¸¬¸ œ¸”õú £¸¢©¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ¢¨¸©¸½«¸ „¥¥¸½‰¸¨¸¸¥¸½ ‰¸¸÷¸¸Ê (‡¬¸‡Ÿ¸‡) ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ƒ£¸™÷¸›¸ ¸»ˆÅˆÅ÷¸¸Ä‚¸Ê ‚¸¾£ ‚¬¸í¡¸¸½Š¸ú „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆÅú œÏŠ¸¢÷¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ¬¸º¥¸í ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¢ˆÅ‡ Š¸‡ ¢›¸œ¸’¸›¸ œ¸£ ¢£œ¸¸½’Ä ˆÅ£›¸¸; ‚¸¾£
• ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ/¬¸¸¿¢¨¸¢š¸ˆÅ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ÷¸í÷¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ‚¢š¸™½¢©¸÷¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ‚›¡¸ ¢ˆÅ¬¸ú ž¸»¢Ÿ¸ˆÅ¸ ˆÅ¸ ¢›¸¨¸Ä훸 ˆÅ£›¸¸.
ii. ‚¸£‚¸£¬¸ú ˆÅú ¬¸¿£¸›¸¸
31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‚¸£‚¸£¬¸ú Ÿ¸Ê œ¸¸¿¸ ¬¸™¬¡¸ ©¸¸¢Ÿ¸¥¸ ˜¸½, ¢¸¬¸Ÿ¸Ê ¬¸½ ™¸½ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ˜¸½, ‚˜¸¸Ä÷¸Ã ‚š¡¸®¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä, ‡Ÿ¸”ú ‡¨¸¿
¬¸úƒÄ‚¸½ ‚¸¾£ ¬¸™¬¡¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ªú ¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾, ”ú‡Ÿ¸”ú, ªú £¸¸ ˆºÅŸ¸¸£, ‡¥¸‚¸ƒÄ¬¸ú ˆ½Å ›¸¸¢Ÿ¸÷¸ú ¢›¸™½©¸ˆÅ, ªú ¬¸Ÿ¸£½©¸ œ¸¢£™¸, ¬¨¸÷¸¿°¸
¢›¸™½©¸ˆÅ ‚¸¾£ ªúŸ¸÷¸ú œ¸ú. ¨¸ú. ž¸¸£÷¸ú, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ.
iii. ‚¸£‚¸£¬¸ú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸
‚¸£‚¸£¬¸ú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸ ˆºÅ¥¸ ¬¸™¬¡¸¸Ê ˆÅú ¬¸¿‰¡¸¸ ˆÅ¸ ‡ˆÅ-¢÷¸í¸ƒÄ ‚˜¸¨¸¸ ‚¸£‚¸£¬¸ú ˆ½Å ™¸½ ¬¸™¬¡¸, ƒ›¸Ÿ¸Ê ¬¸½ ¸¸½ ž¸ú ‚¢š¸ˆÅ í¸½, í¸½Š¸¸.
iv. ‚¸£‚¸£¬¸ú ¤¸¾“ˆÅ¸Ê ˆÅú ¤¸¸£¿¤¸¸£÷¸¸
‚¸£‚¸£¬¸ú ˆÅú ¤¸¾“ˆÅ ¨¸«¸Ä Ÿ¸Ê ˆÅŸ¸ ¬¸½ ˆÅŸ¸ ¸¸£ ¤¸¾“ˆÅ¸Ê ˆ½Å ¬¸¸˜¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ˆ½Å ‚›¸º¬¸¸£ í¸½Š¸ú.
v. ‚¸£‚¸£¬¸ú ˆÅú ¤¸¾“ˆÊÅ
¬¸Ÿ¸ú®¸¸š¸ú›¸ ‚¨¸¢š¸ (1 ‚œÏ¾¥¸ 2023 ¬¸½ 31 Ÿ¸¸¸Ä 2024) ˆ½Å ™¸¾£¸›¸ ‚¸£‚¸£¬¸ú ˆÅú ¸¸£ ¤¸¾“ˆÊÅ 22 ¸»›¸ 2023; 30 ¢¬¸÷¸¿¤¸£ 2023; 27 ¢™¬¸¿¤¸£
2023 ‚¸¾£ 28 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‚¸¡¸¸½¢¸÷¸ ˆÅú Š¸ƒô.

‚À. ‚¬¸í¡¸¸½Š¸ú „š¸¸£ˆÅ÷¸¸Ä ¬¸Ÿ¸ú®¸¸ ¬¸¢Ÿ¸¢÷¸ (‡›¸¬¸ú¤¸ú‚¸£¬¸ú)

i. ¢¨¸¸¸£¸˜¸Ä ¢¨¸«¸¡¸
‚¬¸í¡¸¸½Š¸ú „š¸¸£ˆÅ÷¸¸Ä ¬¸Ÿ¸ú®¸¸ ¬¸¢Ÿ¸¢÷¸ (‡›¸¬¸ú¤¸ú‚¸£¬¸ú) ˆÅú ¨¡¸¸œ¸ˆÅ ž¸»¢Ÿ¸ˆÅ¸ ‡¨¸¿ „™¸¢¡¸÷¨¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿÀ
• „š¸¸£ˆÅ÷¸¸Ä ˆÅ¸½ ‚¬¸í¡¸¸½Š¸ú „š¸¸£ˆÅ÷¸¸Ä ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ˆÅ£›¸½ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ‚¸¿÷¸¢£ˆÅ ‚¬¸í¡¸¸½Š¸ú „š¸¸£ˆÅ÷¸¸Ä ¬¸¢Ÿ¸¢÷¸ ˆ½Å ‚¸™½©¸¸Ê/ ¢›¸µ¸Ä¡¸¸Ê ˆÅú
¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸; ‚¸¾£
• ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ/¬¸¸¿¢¨¸¢š¸ˆÅ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ÷¸í÷¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ‚¢š¸™½¢©¸÷¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ‚›¡¸ ¢ˆÅ¬¸ú ž¸»¢Ÿ¸ˆÅ¸ ˆÅ¸ ¢›¸¨¸Ä훸 ˆÅ£›¸¸.
ii. ‡›¸¬¸ú¤¸ú‚¸£¬¸ú ˆÅú ¬¸¿£¸›¸¸
‡›¸¬¸ú¤¸ú‚¸£¬¸ú ˆÅ¸ Š¸“›¸ ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ ÷¸˜¸¸ ™¸½ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ¸Ê ˆ½Å ¬¸¸˜¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸. 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‡›¸¬¸ú¤¸ú‚¸£¬¸ú Ÿ¸Ê ‚š¡¸®¸ ˆ½Å
³Åœ¸ Ÿ¸Ê ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä, ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ ‚¸¾£ ¬¸™¬¡¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ªú ™úœ¸ˆÅ ¢¬¸¿‹¸¥¸, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ‚¸¾£ ªú ¬¸¿¸¡¸ ¸ú. ˆÅ¥¥¸¸œ¸º£ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ
©¸¸¢Ÿ¸¥¸ ˜¸½.
iii. ‡›¸¬¸ú¤¸ú‚¸£¬¸ú ˆÅú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸
‡›¸¬¸ú¤¸ú‚¸£¬¸ú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ¬¸ž¸ú ¬¸™¬¡¸¸Ê ˆÅú „œ¸¦¬˜¸¢÷¸ ˆÅ¸½£Ÿ¸ ˆÅ¸½ œ¸»£¸ ˆÅ£½Š¸ú.

86 Friendship That
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Corporate Overview Statutory Reports Financial Statements

iv. ‡›¸¬¸ú¤¸ú‚¸£¬¸ú ¤¸¾“ˆÅ¸Ê ˆÅú ¤¸¸£¿¤¸¸£÷¸¸

‡›¸¬¸ú¤¸ú‚¸£¬¸ú ˆÅú ŽŸ¸¸íú ‚¸š¸¸£ œ¸£ ¤¸¾“ˆÅ ‚¸¡¸¸½¢¸÷¸ ˆÅ£ ‚¬¸í¡¸¸½Š¸ú „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆÅú ¦¬˜¸¢÷¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸ ‚¸¨¸©¡¸ˆÅ í¾.
v. ‡›¸¬¸ú¤¸ú‚¸£¬¸ú ˆÅú ¤¸¾“ˆÊÅ
¬¸Ÿ¸ú®¸¸š¸ú›¸ ‚¨¸¢š¸ (1 ‚œÏ¾¥¸ 2023 ¬¸½ 31 Ÿ¸¸¸Ä 2024) ˆ½Å ™¸¾£¸›¸ ‡›¸¬¸ú¤¸ú‚¸£¬¸ú ˆÅú ™¸½ ¤¸¾“ˆÊÅ 19 ‚Š¸¬÷¸ 2023 ‚¸¾£ 13 ûÅ£¨¸£ú 2024 ˆÅ¸½
‚¸¡¸¸½¢¸÷¸ ˆÅú Š¸ƒô.

‚.‚. ƒ£¸™÷¸›¸ ¸»ˆÅˆÅ÷¸¸Ä ¬¸Ÿ¸ú®¸¸ ¬¸¢Ÿ¸¢÷¸ (”¤¥¡¸»”ú‚¸£¬¸ú)

i. ¢¨¸¸¸£¸˜¸Ä ¢¨¸«¸¡¸
ƒ£¸™÷¸›¸ ¸»ˆÅˆÅ÷¸¸Ä ¬¸Ÿ¸ú®¸¸ ¬¸¢Ÿ¸¢÷¸ (”¤¥¡¸»”ú‚¸£¬¸ú) ˆÅú ¨¡¸¸œ¸ˆÅ ž¸»¢Ÿ¸ˆÅ¸ ‡¨¸¿ „™¸¢¡¸÷¨¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿÀ
• „š¸¸£ˆÅ÷¸¸Ä ˆÅ¸½ ƒ£¸™÷¸›¸ ¸»ˆÅˆÅ÷¸¸Ä ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ˆÅ£›¸½ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ƒ£¸™÷¸›¸ ¸»ˆÅˆÅ÷¸¸Ä ¬¸¢Ÿ¸¢÷¸ ˆ½Å ‚¸™½©¸¸Ê/ ¢›¸µ¸Ä¡¸¸Ê ˆÅú ¬¸Ÿ¸ú®¸¸
ˆÅ£›¸¸; ‚¸¾£
• ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ/¬¸¸¿¢¨¸¢š¸ˆÅ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ÷¸í÷¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ‚¢š¸™½¢©¸÷¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ‚›¡¸ ¢ˆÅ¬¸ú ž¸»¢Ÿ¸ˆÅ¸ ˆÅ¸ ¢›¸¨¸Ä훸 ˆÅ£›¸¸.
ii. ”¤¥¡¸»”ú‚¸£¬¸ú ˆÅú ¬¸¿£¸›¸¸
”¤¥¡¸»”ú‚¸£¬¸ú ˆÅ¸ Š¸“›¸ ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ ÷¸˜¸¸ ™¸½ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ¸Ê ˆ½Å ¬¸¸˜¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸. 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ƒ¬¸ ¬¸¢Ÿ¸¢÷¸ Ÿ¸Ê ‚š¡¸®¸ ˆ½Å ³Åœ¸
Ÿ¸Ê ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä, ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ ‚¸¾£ ¬¸™¬¡¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ªú ¬¸Ÿ¸£½©¸ œ¸¢£™¸ ‚¸¾£ ªúŸ¸÷¸ú œ¸ú.¨¸ú. ž¸¸£÷¸ú, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ©¸¸¢Ÿ¸¥¸ ˜¸½.
iii. ”¤¥¡¸»”ú‚¸£¬¸ú ˆÅú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸
”¤¥¡¸»”ú‚¸£¬¸ú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ¬¸ž¸ú ¬¸™¬¡¸¸Ê ˆÅú „œ¸¦¬˜¸¢÷¸ ˆÅ¸½£Ÿ¸ ˆÅ¸½ œ¸»£¸ ˆÅ£½Š¸ú.
iv. ”¤¥¡¸»”ú‚¸£¬¸ú ˆÅú ¤¸¾“ˆÅ¸Ê ˆÅú ¤¸¸£¿¤¸¸£÷¸¸
¤¸ÿˆÅ ˆÅú ƒ£¸™÷¸›¸ ¸»ˆÅˆÅ÷¸¸Ä ¬¸¿¤¸¿š¸ú ‚¸¿÷¸¢£ˆÅ ¬¸¢Ÿ¸¢÷¸ ׸£¸ ¸¤¸ ž¸ú ¢ˆÅ¬¸ú „š¸¸£ˆÅ÷¸¸Ä ˆÅ¸½ `ƒ£¸™÷¸›¸ ¸»ˆÅˆÅ÷¸¸Ä' ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ˆÅ£›¸½ ˆÅ¸ ¢›¸µ¸Ä¡¸ ¢¥¸¡¸¸
¸¸÷¸¸ í¾ ÷¸¸½ ”¤¥¡¸»”ú‚¸£¬¸ú ˆ½Å ¢¥¸‡ ¤¸¾“ˆÅ ‚¸¡¸¸½¢¸÷¸ ˆÅ£›¸¸ ‚¸¾£ ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸ ‚¸¨¸©¡¸ˆÅ í¸½÷¸¸ í¾.
v. ”¤¥¡¸»”ú‚¸£¬¸ú ˆÅú ¤¸¾“ˆÊÅ
¬¸Ÿ¸ú®¸¸š¸ú›¸ ‚¨¸¢š¸ (1 ‚œÏ¾¥¸ 2023 ¬¸½ 31 Ÿ¸¸¸Ä 2024) ˆ½Å ™¸¾£¸›¸ ”¤¥¡¸»”ú‚¸£¬¸ú ˆÅú œ¸¸¿¸ ¤¸¾“ˆÊÅ 31 Ÿ¸ƒÄ 2023; 11 ‚Š¸¬÷¸ 2023; 12
‚Æ÷¸»¤¸£ 2023; 18 ¢™¬¸¿¤¸£ 2023 ‚¸¾£ 15 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‚¸¡¸¸½¢¸÷¸ ˆÅú Š¸ƒô.
¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 Ÿ¸Ê ¤¸ÿˆÅ ˆÅú ¬¸¢Ÿ¸¢÷¸ ˆÅú ¤¸¾“ˆÅ¸Ê Ÿ¸Ê ¢›¸™½©¸ˆÅ¸Ê ˆÅú „œ¸¦¬˜¸¢÷¸ ˆÅ¸ ¢¨¸¨¸£µ¸ ÷¸¸¢¥¸ˆÅ¸ 2 Ÿ¸Ê ¢™¡¸¸ Š¸¡¸¸ í¾.

¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ¸Ê ˆÅú ¤¸¾“ˆÅ (‚¸ƒÄ”ú‡Ÿ¸)

i. ¢¨¸¸¸£¸˜¸Ä ¢¨¸«¸¡¸
¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú ‚›¸º¬¸»¸ú IV ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê, ‡¥¸‚¸½”ú‚¸£ ¢¨¸¢›¸¡¸Ÿ¸¸¨¸¥¸ú ˆ½Å ¢¨¸¢›¸¡¸Ÿ¸
25 ˆ½Å ¢›¸¤¸¿š¸›¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ‚¸¾£ ž¸¸£÷¸ ˆ½Å ˆ¿Åœ¸›¸ú ¬¸¢¸¨¸ ¬¸¿¬˜¸¸›¸ ׸£¸ ¸¸£ú ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅú ¤¸¾“ˆÅ¸Ê œ¸£ ¬¸¢¸¨¸ú¡¸ Ÿ¸¸›¸ˆÅ-1 ˆÅ¸ ‚›¸ºœ¸¸¥¸›¸ ˆÅ£ÊŠ¸½.
¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ¸Ê ˆÅú ¤¸¾“ˆÅ ˆÅú ¨¡¸¸œ¸ˆÅ ž¸»¢Ÿ¸ˆÅ¸‡Â ‡¨¸¿ „™¸¢¡¸÷¨¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾À
• Š¸¾£-¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ¸Ê ‚¸¾£ ¬¸Ÿ¸ŠÏ ³Åœ¸ ¬¸½ ¤¸¸½”Ä ˆ½Å ˆÅ¸¡¸Ä ¢›¸«œ¸¸™›¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ¸Ê ÷¸˜¸¸ Š¸¾£-ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ¸Ê ˆ½Å ¢¨¸¸¸£¸Ê ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸÷¸½ íº‡ ¤¸ÿˆÅ ˆ½Å ‚š¡¸®¸ ˆ½Å ˆÅ¸¡¸Ä ¢›¸«œ¸¸™›¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
• ¤¸ÿˆÅ ˆ½Å œÏ¤¸¿š¸›¸ ‚¸¾£ ¤¸¸½”Ä ˆ½Å ¤¸ú¸ ¬¸»¸›¸¸ ˆ½Å œÏ¨¸¸í ˆÅú Š¸ºµ¸¨¸î¸¸, Ÿ¸¸°¸¸ ‚¸¾£ ¬¸Ÿ¸¡¸¤¸Ö÷¸¸ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ£›¸¸ ¸¸½ ¤¸¸½”Ä ˆ½Å ˆÅ÷¸Ä¨¡¸¸Ê ˆ½Å œÏž¸¸¨¸ú ‚¸¾£
÷¸ˆÄŬ¸¿Š¸÷¸ ˆÅ¸¡¸Ä-¢›¸«œ¸¸™›¸ ˆ½Å ¢¥¸‡ ‚¸¨¸©¡¸ˆÅ í¾; ‚¸¾£
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dm{f©H$ [anmoQ>© Annual Report 2023-24 87

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¢¨¸¨¸£µ¸ ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä ªú ¬¸º£½©¸ ªú ¸¡¸ˆºÅŸ¸¸£ ‡¬¸.
(‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½) ‰¸’›¸í¸£^ ¢œ¸¥¥¸¾
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¨¸½÷¸›¸ 1,17,00,000 68,75,000 65,25,000

ž¸¢¨¸«¡¸ ¢›¸¢š¸ 11,70,000 6,87,500 6,52,500

ŠÏ½¡¸º’ú 4,87,500 2,86,458 2,71,875
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Ÿ¸›¸¸½£¿¸›¸ ¨¡¸¡¸ 2,75,000 1,50,000 1,25,000
œ¸¢£¥¸¦¤š¸¡¸¸¿ * 25,40,065 13,10,065 13,10,065
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* œ¸¢£¥¸¦¤š¸¡¸¸Ê Ÿ¸Ê Ÿ¸ºÉ÷¸ ¬¸º¬¸¦¸÷¸ ‹¸£ ‚¸¾£ „¬¸ˆ½Å £‰¸£‰¸¸¨¸, ˆÅ¸£, ¢¸¢ˆÅ÷¬¸ú¡¸ ‰¸¸Ä ÷¸˜¸¸ ‚›¡¸ œ¸¢£¥¸¦¤š¸¡¸¸Ê ˆÅ¸ œÏ¸¨¸š¸¸›¸ ©¸¸¢Ÿ¸¥¸ í¾;
-¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ”¤¸¥¡¸»’ú”ú ˆ½Å ¢¥¸‡ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ƒ¬¸ ‚¨¸¢š¸ Ÿ¸Ê „›¸ˆ½Å ˆÅ¸¡¸Ä- ¢›¸«œ¸¸™›¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ‚¸š¸¸£ œ¸£ œÏ¬÷¸¸¢¨¸÷¸ ‚¸¾£ ‚›¸ºŸ¸¸½¢™÷¸ ¢ˆÅ¡¸¸
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ˆÅ¸¡¸ÄˆÅ¸¥¸ ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä - 7 Ÿ¸¸¸Ä 2019 ˆÅ¸½ ‚¸£¤¸ú‚¸ƒÄ ¬¸½ ‚›¸ºŸ¸¸½™›¸ ˆ½Å ¤¸¸™ ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä ˆÅ¸½ 19 Ÿ¸¸¸Ä 2019 ¬¸½ ÷¸ú›¸ ¨¸«¸Ä ˆÅú ‚¨¸¢š¸ ˆ½Å
¢¥¸‡ ¤¸ÿˆÅ ˆÅ¸ ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ ¢›¸¡¸ºÆ÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸. ¨¸÷¸ÄŸ¸¸›¸ ˆÅ¸¡¸ÄˆÅ¸¥¸ ˆ½Å ¬¸Ÿ¸¸œ¸›¸ œ¸£, ‚¸£¤¸ú‚¸ƒÄ ˆ½Å 15 ûÅ£¨¸£ú 2022 ˆ½Å ‚›¸ºŸ¸¸½™›¸
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5 Ÿ¸ƒÄ 2022 ˆÅ¸½ œ¸¸½¬’¥¸ ¤¸¾¥¸½’ ׸£¸ ©¸½¡¸£š¸¸£ˆÅ¸½¿ ¬¸½ ‚›¸ºŸ¸¸½™›¸ œÏ¸œ÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸.
ªú ¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾ - ªú ¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾ ˆÅ¸½ ¤¸¸½”Ä ×¸£¸ 19 Ÿ¸ƒÄ 2023 ˆ½Å ‚¸£¤¸ú‚¸ƒÄ ˆ½Å œ¸°¸ ˆ½Å ‚›¸º¬¸¸£ 22 Ÿ¸ƒÄ 2023
ˆÅ¸½ œ¸™ž¸¸£ ŠÏíµ¸ ˆÅ£›¸½ ˆÅú ÷¸¸£ú‰¸ ¬¸½ ÷¸ú›¸ ¨¸«¸Ä ˆÅú ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ”ú‡Ÿ¸”ú ˆ½Å ³Åœ¸ Ÿ¸Ê ¢›¸¡¸ºÆ÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸. ªú ¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾ ›¸½
12 ¸»›¸ 2023 ˆÅ¸½ ˆÅ¸¡¸Äž¸¸£ ŠÏíµ¸ ¢ˆÅ¡¸¸. 13 ¸º¥¸¸ƒÄ 2023 ˆÅ¸½ ¬¸Ÿœ¸››¸ 19 ¨¸ú¿ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ©¸½¡¸£š¸¸£ˆÅ¸Ê ¬¸½ ‚›¸ºŸ¸¸½™›¸ œÏ¸œ÷¸ ¢ˆÅ¡¸¸
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¬¸£ˆÅ¸£ ˆ½Å ›¸¸¢Ÿ¸÷¸ú ¢›¸™½©¸ˆÅ¸Ê ˆÅ¸½ Ž¸½”õˆÅ£ ¬¸ž¸ú Š¸¾£-ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ¸Ê ˆÅ¸½ ˆ½Å¨¸¥¸ ¤¸¾“ˆÅ ©¸º¥ˆÅ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. 31 ¢™¬¸¿¤¸£ 2023 ÷¸ˆÅ ¤¸¸½”Ä ˆÅú
¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ œÏ¢÷¸ ¤¸¾“ˆÅ ` 80,000/- ‚¸¾£ ¤¸¸½”Ä ˆÅú ¬¸ž¸ú ¬¸¢Ÿ¸¢÷¸¡¸¸Ê ˆÅú ¤¸¾“ˆÅ¸Ê ˆ½Å ¢¥¸‡ ` 50,000/- œÏ¢÷¸ ¤¸¾“ˆÅ ˆÅú ™£ ¬¸½ ¤¸¾“ˆÅ ©¸º¥ˆÅ ˜¸¸. 1 ¸›¸¨¸£ú 2024
¬¸½ œÏž¸¸¨¸ú œÏ¢÷¸ ¤¸¸½”Ä ¤¸¾“ˆÅ ˆ½Å ¢¥¸‡ ` 1,00,000/- ‚¸¾£ ¤¸¸½”Ä ˆÅú ¬¸ž¸ú ¬¸¢Ÿ¸¢÷¸¡¸¸Ê ˆÅú œÏ¢÷¸ ¤¸¾“ˆÅ ˆ½Å ¢¥¸‡ ` 60,000/- ¤¸¾“ˆÅ ©¸º¥ˆÅ ¬¸¿©¸¸½¢š¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ ÷¸˜¸¸ „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ¸Ê ˆÅ¸½ œ¸¸¢£ª¢Ÿ¸ˆÅ ‚¸¾£ Š¸¾£-ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ¸Ê ˆÅ¸½ ¤¸¾“ˆÅ ûÅú¬¸ ˆ½Å ‚¥¸¸¨¸¸ ¤¸ÿˆÅ ׸£¸ ¢›¸™½©¸ˆÅ¸Ê ˆÅ¸½ „›¸ˆÅú ¡¸¸°¸¸, £í›¸½
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dm{f©H$ [anmoQ>© Annual Report 2023-24 93

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¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 Ÿ¸Ê ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ¸Ê ¬¸¢í÷¸ Š¸¾£-ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ¸Ê ˆÅ¸½ œÏ™î¸ ¤¸¾“ˆÅ ©¸º¥ˆÅ ˆÅú ˆºÅ¥¸ £¸¢©¸ ˆÅ¸ ¢¨¸¨¸£µ¸ ›¸ú¸½
¢™¡¸¸ Š¸¡¸¸ í¾À
Š¸¾£-ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ ˆÅ¸ ›¸¸Ÿ¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 Ÿ¸Ê
œÏ™î¸ ¤¸¾“ˆÅ ©¸º¥ˆÅ (`)
ªú ’ú. ‡›¸. Ÿ¸›¸¸½í£›¸, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ ‚¿©¸ˆÅ¸¢¥¸ˆÅ ‚š¡¸®¸ 22,50,000
ªú Ÿ¸ºˆ½Å©¸ ˆºÅŸ¸¸£ Š¸ºœ÷¸¸, ‡¥¸‚¸ƒÄ¬¸ú ›¸¸¢Ÿ¸÷¸ú ¢›¸™½©¸ˆÅ 21,20,000
ªú £¸¸ ˆºÅŸ¸¸£, ‡¥¸‚¸ƒÄ¬¸ú ›¸¸¢Ÿ¸÷¸ú ¢›¸™½©¸ˆÅ 16,80,000
ªú ±¸¸›¸ œÏˆÅ¸©¸ ¸¸½©¸ú, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ (27-08-2023 ÷¸ˆÅ) 12,50,000
ªú ž¸º¨¸›¸¸¿Í ¤¸ú. ¸¸½©¸ú, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ 37,70,000
ªú ¬¸Ÿ¸£½©¸ œ¸¢£™¸, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ 29,60,000
ªú ‡›¸. ¸¿¤¸º›¸¸˜¸›¸, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ 33,50,000
ªú ™úœ¸ˆÅ ¢¬¸¿‹¸¥¸, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ 33,00,000
ªú ¬¸¿¸¡¸ ¸ú. ˆÅ¥¥¸¸œ¸º£, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ 32,30,000
ªúŸ¸÷¸ú œ¸ú. ¨¸ú. ž¸¸£÷¸ú, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ 27,90,000
ªú ‚¸¡¸ œÏˆÅ¸©¸ ¬¸¸í›¸ú , ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ(28-08-2023 ¬¸½ œÏž¸¸¨¸ú) 20,10,000
ˆ¿Åœ¸›¸ú (œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ¸Ê ˆÅú ¢›¸¡¸º¢Æ÷¸ ‚¸¾£ œ¸¸¢£ª¢Ÿ¸ˆÅ) ¢›¸¡¸Ÿ¸¸¨¸¥¸ú, 2014 ˆ½Å ¢›¸¡¸Ÿ¸ 5 ˆ½Å ‚š¸ú›¸ œÏˆÅ’›¸
›¸¸Ÿ¸¸¿ˆÅ›¸ ‡¨¸¿ œ¸¸¢£ª¢Ÿ¸ˆÅ ¬¸¢Ÿ¸¢÷¸ ‚¸¾£ ¤¸¸½”Ä ×¸£¸ ‚›¸º©¸¿¬¸¸ ˆ½Å ¤¸¸™ ¤¸ÿˆÅˆÅ¸£ú ¢¨¸¢›¸¡¸Ÿ¸›¸ ‚¢š¸¢›¸¡¸Ÿ¸, 1949 ˆÅú š¸¸£¸ 35¤¸ú ˆ½Å ÷¸í÷¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ ¬¸úƒÄ‚¸½ ÷¸˜¸¸
„œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ¸Ê ˆÅú ¢›¸¡¸º¢Æ÷¸ ‚¸¾£ œ¸¸¢£ª¢Ÿ¸ˆÅ ˆÅ¸½ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ‚›¸ºŸ¸¸½¢™÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¤¸¸½”Ä ˆ½Å ‚›¡¸ ¢›¸™½©¸ˆÅ¸Ê ˆÅ¸½ Š¸¾£ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ¸Ê ˆÅ¸½ ž¸ºŠ¸÷¸¸›¸
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3) 13 ¸º¥¸¸ƒÄ 2023 ˆÅ¸½ œ¸»¨¸¸ÄíÛ¸ 11À00 ¤¸¸½ ˆ½Å¨¸¥¸ ¨¸ú¢”¡¸¸½ ˆÅ¸›üÊÅ¢¬¸¿Š¸ (¨¸ú¬¸ú)/‚›¡¸ ‚¸Á¢”¡¸¸½ ¢¨¸¸º‚¥¸ ¬¸¸š¸›¸¸Ê
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 18 ¨¸ú¿ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê
¤¸ÿˆÅ ˆÅú 22 ¸º¥¸¸ƒÄ 2022 ˆÅ¸½ ¬¸¿œ¸››¸ 18¨¸ú¿ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ¤¸ÿˆÅ ˆÅ¸½ `5000 ˆÅ£¸½”õ (œÏú¢Ÿ¸¡¸Ÿ¸ £¸¢©¸ ¬¸¢í÷¸)
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disclosures.aspxœ¸£ ž¸ú „œ¸¥¸¤š¸ ˆÅ£¸ƒÄ ¸¸÷¸ú í¾.

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‚¸Ÿ¸ ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆ½Å ¢¥¸‡ ¬¸»¸›¸¸

‚¸Ÿ¸ ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆ½Å ¢¥¸‡ ¬¸»¸›¸¸
i. ‡¸ú‡Ÿ¸ ˆÅú ÷¸¸£ú‰¸, ¬¸Ÿ¸¡¸ ‚¸¾£ ¬˜¸¸›¸ Ÿ¸¿Š¸¥¸¨¸¸£, 23 ¸º¥¸¸ƒÄ 2024 ˆÅ¸½ œ¸»¨¸¸ÄíÛ¸ 11.00 ¤¸¸½ ¨¸ú¢”¡¸¸½ ˆÅ¸›üÊÅ¢¬¸¿Š¸ (¨¸ú¬¸ú)/ ‚›¡¸ ‚¸Á¢”¡¸¸½
¢¨¸¸º‚¥¸ ¬¸¸š¸›¸¸Ê (‚¸½‡¨¸ú‡Ÿ¸) ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½
ii. ¢¨¸î¸ú¡¸ ¨¸«¸Ä 1 ‚œÏ¾¥¸ 2023 ¬¸½ 31 Ÿ¸¸¸Ä 2024
iii. ˆ¿Åœ¸›¸ú (œÏ¤¸¿š¸ ‚¸¾£ œÏ©¸¸¬¸›¸) ¢›¸¡¸Ÿ¸¸¨¸¥¸ú, ƒÄ-¨¸¸½¢’¿Š¸ ‚¨¸¢š¸ Š¸º²Å¨¸¸£, 18 ¸º¥¸¸ƒÄ 2024 ˆÅ¸½ œ¸»¨¸¸ÄíÛ¸ 9.00 ¤¸¸½ (ž¸¸£÷¸ú¡¸ Ÿ¸¸›¸ˆÅ ¬¸Ÿ¸¡¸ ˆ½Å
2014 ˆ½Å ¢›¸¡¸Ÿ¸ 20 ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ ‚›¸º¬¸¸£) ¬¸½ œÏ¸£¿ž¸ í¸½Š¸ú ‚¸¾£ ¬¸¸½Ÿ¸¨¸¸£, 22 ¸º¥¸¸ƒÄ 2024 ˆÅ¸½ ©¸¸Ÿ¸ 5.00 ¤¸¸½ (ž¸¸£÷¸ú¡¸ Ÿ¸¸›¸ˆÅ
‡¥¸‚¸½”ú‚¸£ ¢¨¸¢›¸¡¸Ÿ¸¸¨¸¥¸ú ˆ½Å ¢¨¸¢›¸¡¸Ÿ¸ 44 ¬¸Ÿ¸¡¸ ˆ½Å ‚›¸º¬¸¸£) ¬¸Ÿ¸¸œ÷¸ í¸½Š¸ú.
‚¸¾£ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 108
ˆ½Å ‚›¸º¬¸¸£ ƒÄ-¨¸¸½¢’¿Š¸ ‚¨¸¢š¸.
iv. ¢£ˆÅ¸Á”Ä ÷¸¸£ú‰¸ Ÿ¸¿Š¸¥¸¨¸¸£, 16 ¸º¥¸¸ƒÄ 2024.
v. ¥¸¸ž¸¸¿©¸ ž¸ºŠ¸÷¸¸›¸ ˆÅú ÷¸¸£ú‰¸ 20 ¨¸ú¿ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ©¸½¡¸£š¸¸£ˆÅ ׸£¸ ‚›¸ºŸ¸¸½™›¸ ˆ½Å œ¸ä¸¸÷¸ 30 ¢™›¸¸Ê ˆ½Å ž¸ú÷¸£ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸
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vi. ¥¸½‰¸¸¤¸¢í¡¸¸Ê ˆ½Å ¤¸¿™ £í›¸½ ˆÅú ÷¸¸£ú‰¸ 17 ¸º¥¸¸ƒÄ 2024 ¬¸½ 23 ¸º¥¸¸ƒÄ 2024 ÷¸ˆÅ (™¸½›¸¸Ê ¢™›¸¸Ê ¬¸¢í÷¸)
vii. ¬’¸ÁˆÅ ‡Æ¬¸¸Ê¸¸Ê Ÿ¸Ê ¬¸»¸ú¤¸Ö÷¸¸ ‚¸¾£ ¨¸¸¢«¸ÄˆÅ 1. ¤¸ú‡¬¸ƒÄ ¢¥¸. (¤¸ú‡¬¸ƒÄ)
¬¸»¸ú¤¸Ö÷¸¸ ©¸º¥ˆÅ ˆ½Å ž¸ºŠ¸÷¸¸›¸ ˆÅú œ¸º¦«’ œ¸÷¸¸À 25¨¸ú¿ Ÿ¸¿¢¸¥¸, ¢ûÅ£¸½¸ ¸ú¸úž¸¸Á¡¸ ’¸Á¨¸¬¸Ä, ™¥¸¸¥¸ ¬’ïú’, ûŸ½’Ä,
Ÿ¸º¿¤¸ƒÄ - 400 001
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œ¸÷¸¸À ‡Æ¬¸¸Ê¸ œ¥¸¸¸¸, 5¨¸ú¿ Ÿ¸¿¢¸¥¸, œ¥¸¸Á’ ›¸¿. ¬¸ú/1, ¸ú ¤¥¸¸ÁˆÅ, ¤¸¸¿Í¸ ˆºÅ¥¸¸Ä ˆÅ¸ÁŸœ¥¸½Æ¬¸,
¤¸¸¿Í¸ (œ¸».), Ÿ¸º¿¤¸ƒÄ - 400 051.
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‡›¸‡¬¸ƒÄ œ¸£ ¬¸»¸ú¤¸Ö íÿ.
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viii. ¬’¸ÁˆÅ ˆÅ¸½”/ œÏ÷¸úˆÅ ¤¸ú‡¬¸ƒÄ - 500116, ‡›¸‡¬¸ƒÄ - ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ
ix. £¢¸¬’︣ ‡¨¸¿ ©¸½¡¸£ ‚¿÷¸£µ¸ ‡¸Ê’ ˆ½Å¢ûÅ›¸ ’½Æ›¸¸½¥¸¸Á¢¸¬¸ ¢¥¸¢Ÿ¸’½”
¡¸»¢›¸’ À ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ƒ¦Æ¨¸’ú,
¬¸½¥¸½¢›¸¡¸Ÿ¸ ’¸Á¨¸£ ¤¸ú, œ¥¸¸Á’ 31-32, Š¸¸ú¤¸¸¾¥¸ú, ûŸƒ›¸Ê¢©¸¡¸¥¸ ¢”¦¬’ïÆ’, ›¸¸›¸ˆÅ£¸Ÿ¸Š¸º”õ¸,
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x. ©¸½¡¸£ ‚¿÷¸£µ¸ œÏµ¸¸¥¸ú ¬¸½¤¸ú (¬¸»¸ú¤¸Ö÷¸¸ ¤¸¸š¡¸÷¸¸‡¿ ‚¸¾£ œÏˆÅ’úˆÅ£µ¸ ‚œ¸½®¸¸‡¿) ¢¨¸¢›¸¡¸Ÿ¸, 2015 ˆ½Å ¢¨¸¢›¸¡¸Ÿ¸ 40(1) ˆ½Å
‚›¸º¬¸¸£ ž¸¸¾¢÷¸ˆÅ ³Åœ¸ Ÿ¸Ê £‰¸ú Š¸ƒÄ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅ¸ ‚¿÷¸£µ¸ 1 ‚œÏ¾¥¸ 2019 ¬¸½ ¤¸¿™ ˆÅ£ ¢™¡¸¸ Š¸¡¸¸ í¾.
÷¸™Ã›¸º¬¸¸£, ¤¸ÿˆÅ ˆ½Å ©¸½¡¸£ ¸¸½ ”úŸ¸¾’ (‚Ÿ¸»÷¸Ä) ³Åœ¸ Ÿ¸Ê £‰¸½ Š¸‡ íÿ, ¢”œ¸¸Á¢¸’£ú ¢¬¸¬’Ÿ¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½
¬¨¸÷¸¿°¸ ³Åœ¸ ¬¸½ ‚¿÷¸£µ¸ú¡¸ íÿ.
31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ׸£¸ œÏ¸œ÷¸ ”ºœ¥¸úˆ½Å’ ©¸½¡¸£ œÏŸ¸¸µ¸œ¸°¸ ¸¸£ú ˆÅ£›¸½
ˆ½Å/ ¢”¥¸ú©¸›¸/ ’︿¬¸¢Ÿ¸©¸›¸/ ’︿¬¸œ¸¸½¢¸©¸›¸ ‚›¸º£¸½š¸¸Ê ˆÅ¸½ ©¸½¡¸£ ‚¿÷¸£µ¸ ¬¸¢Ÿ¸¢÷¸ (¢¸¬¸Ÿ¸Ê ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ
¢›¸™½©¸ˆÅ/Ÿ¸º‰¡¸ Ÿ¸í¸œÏ¤¸¿š¸ˆÅ ©¸¸¢Ÿ¸¥¸ íÿ) ›¸¸Ÿ¸ˆÅ ‡ˆÅ ‚¸¿÷¸¢£ˆÅ ¬¸¢Ÿ¸¢÷¸ ׸£¸ ‚›¸ºŸ¸¸½¢™÷¸ ˆÅ£ ¢™¡¸¸ Š¸¡¸¸
‚¸¾£ ¬¸½¤¸ú ˆ½Å Ÿ¸¸¾¸»™¸ œ¸¢£¸¸¥¸›¸ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¬¸¿¬¸¸¢š¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸.

dm{f©H$ [anmoQ>© Annual Report 2023-24 97

ˆÅ¸Á£œ¸¸½£½’ ‚¢ž¸©¸¸¬¸›¸ ¢£œ¸¸½’Ä

xi. ¢¨¸î¸ú¡¸ ˆ¾Å¥¸Ê”£ 1 ‚œÏ¾¥¸ 2023 ¬¸½ 31 Ÿ¸¸¸Ä 2024

¢÷¸Ÿ¸¸íú œ¸¢£µ¸¸Ÿ¸ ‚›¸ºŸ¸¸½¢™÷¸ ¢ˆÅ‡ Š¸‡À

ˆ½Å œ¸¢£µ¸¸Ÿ¸ ¤¸¸½”Ä ˆÅú ¤¸¾“ˆÅ

30 ¸»›¸ 2023 24 ¸º¥¸¸ƒÄ 2023
30 ¢¬¸÷¸¿¤¸£ 2023 21 ‚Æ÷¸»¤¸£ 2023
31 ¢™¬¸¿¤¸£ 2023 20 ¸›¸¨¸£ú 2024
31 Ÿ¸¸¸Ä 2024 04 Ÿ¸ƒÄ 2024

xii. ©¸½¡¸£¸Ê ˆÅ¸ ‚Ÿ¸»÷¸úĈţµ¸ ‡¨¸¿ ¸¥¸¢›¸¢š¸ ¤¸ÿˆÅ ˆ½Å ©¸½¡¸£¸Ê ˆÅ¸½ ¬’¸ÁˆÅ ‡Æ¬¸¸Ê¸¸Ê Ÿ¸Ê ‚¢›¸¨¸¸¡¸Ä ³Åœ¸ ¬¸½ ‚Ÿ¸»÷¸Ä ³Åœ¸ Ÿ¸Ê ’ï½” ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾.
31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‚Ÿ¸»÷¸Ä ‚¸¾£ ž¸¸¾¢÷¸ˆÅ ³Åœ¸ Ÿ¸Ê £‰¸½ Š¸‡ ©¸½¡¸£¸Ê ˆÅú ¬¸¿‰¡¸¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾.

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xiii. †µ¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅú ¬¸»¸ú¤¸Ö÷¸¸ ¤¸ÿˆÅ ׸£¸ ¸¸£ú ‚¸¾£ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¤¸ÿˆÅ ˆÅú ¤¸íú Ÿ¸Ê ¤¸ˆÅ¸¡¸¸ ‚œÏ¢÷¸ž¸»÷¸ ™ú‹¸ÄˆÅ¸¢¥¸ˆÅ ²Åœ¸ú ¤¸¸Áµ”/
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xiv. ¢”¤¸Ê¸£ ›¡¸¸¬¸ú ‡¬¸¤¸ú‚¸ƒÄˆ¾Åœ¸ ’﬒ú ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½”,

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corporate@sbicaptrustee.com / nazer.kondakari@sbicaptrustee.com

xv. ¤¸ˆÅ¸¡¸¸ Š¥¸¸½¤¸¥¸ ¢”œ¸¸Á¢¸’£ú £¬¸ú™Ê ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ›¸½ ¸ú”ú‚¸£/ ‡”ú‚¸£/ ¨¸¸£¿’ ‚¸¢™ ¸¸£ú ›¸íú¿ ¢ˆÅ‡ íÿ.
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xvi. œ¥¸¸¿’ ˆÅ¸ ¬˜¸¸›¸ ¥¸¸Š¸» ›¸íú¿.

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(www.idbibank.in) œ¸£ „œ¸¥¸¤š¸ í¾.

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xvii. œ¸°¸¸¸¸£ ˆ½Å ¢¥¸‡ œ¸÷¸¸ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸.

CIN - L65190MH2004GOI148838
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Ÿ¸º¿¤¸ƒÄ-400 005
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ƒÄ-Ÿ¸½¥¸: idbiequity@idbi.co.in
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v. ¬¸÷¸ˆÄÅ÷¸¸ ÷¸¿°¸ ˆÅú ¬˜¸¸œ¸›¸¸

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vi. Ÿ¸í÷¨¸œ¸»µ¸Ä ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸Ê ˆ½Å ¢›¸š¸¸Ä£µ¸ í½÷¸º ›¸ú¢÷¸

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4. ˆ¿Åœ¸›¸ú ‚š¡¸®¸ ÷¸˜¸¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ ¬¸úƒÄ‚¸½ ˆ½Å œ¸™ œ¸£ ‚¥¸Š¸-‚¥¸Š¸ ¤¸ÿˆÅ Ÿ¸Ê ‚¿©¸ˆÅ¸¢¥¸ˆÅ ‚š¡¸®¸ ‚¸¾£ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ ¬¸úƒÄ‚¸½ ˆ½Å ¢¥¸‡
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5. ‚¸¿÷¸¢£ˆÅ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ ¬¸úš¸½ ¥¸½‰¸¸ œ¸£ú®¸¸ ¬¸¢Ÿ¸¢÷¸ ˆÅ¸½ ¢£œ¸¸½’Ä ˆÅ£½. ‚¸¿÷¸¢£ˆÅ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ ¤¸ÿˆÅ ˆ½Å ”ú‡Ÿ¸”ú ˆÅ¸½ ¢£œ¸¸½’Ä ˆÅ£÷¸½ íÿ ‡¨¸¿
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106 Friendship That

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108 Friendship That

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(iii) ¢¨¸î¸ú¡¸ ¨¸«¸Ä Ÿ¸Ê ‰¸¸Ä ˆÅú Š¸ƒÄ ‚¸¢š¸Æ¡¸ £¸¢©¸ [(ii)-(i)] ¥¸¸Š¸» ›¸íú¿
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(v) „¨¸÷¸úÄ ¢¨¸î¸ú¡¸ ¨¸«¸¸½ô Ÿ¸Ê ¬¸Ÿ¸¸¡¸¸½¸›¸ ˆ½Å ¢¥¸‡ „œ¸¥¸¤š¸ £¸¢©¸ [(iii)-(iv)] ¥¸¸Š¸» ›¸íú¿

7. ¢œ¸Ž¥¸½ ÷¸ú›¸ ¢¨¸î¸ú¡¸ ¨¸«¸¸½ô ˆÅú ‚¨¡¸¢¡¸÷¸ ˆÅ¸Á£œ¸¸½£½’ ¬¸¸Ÿ¸¸¢¸ˆÅ ™¸¢¡¸÷¨¸ £¸¢©¸ ˆÅ¸ ¢¨¸¨¸£µ¸ :

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8. Æ¡¸¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä Ÿ¸Ê ‰¸¸Ä ˆÅú Š¸ƒÄ ˆÅ¸Á£œ¸¸½£½’ ¬¸¸Ÿ¸¸¢¸ˆÅ ™¸¢¡¸÷¨¸ £¸¢©¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ˆÅ¸½ƒÄ œ¸»¿¸úŠ¸÷¸ ‚¸¦¬÷¸ ¬¸¼¢¸÷¸ ¡¸¸ ‚¢¸Ä÷¸ ˆÅú Š¸ƒÄ í¾À ›¸íú¿
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9. ¡¸¢™ ˆ¿Åœ¸›¸ú, š¸¸£¸ 135 ˆÅú „œ¸š¸¸£¸ (5) ˆ½Å ‚›¸º¬¸¸£ ‚¸¾¬¸÷¸ ¢›¸¨¸¥¸ ¥¸¸ž¸ ˆÅ¸ ™¸½ œÏ¢÷¸©¸÷¸ ‰¸¸Ä ˆÅ£›¸½ Ÿ¸Ê ¢¨¸ûÅ¥¸ £íú í¾ ÷¸¸½ ˆÅ¸£µ¸ ¢›¸¢™Ä«’
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dm{f©H$ [anmoQ>© Annual Report 2023-24 111

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[ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 204 (1) ‚¸¾£ ˆ¿Åœ¸›¸ú (œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ¸Ê ˆÅú ¢›¸¡¸º¢Æ÷¸ ‚¸¾£ œ¸¸¢£ª¢Ÿ¸ˆÅ)
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ˆÅ£÷¸½ íÿ ¢ˆÅ ퟸ¸£ú £¸¡¸ Ÿ¸Ê ¤¸ÿˆÅ ›¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆÅú ¥¸½‰¸¸-œ¸£ú®¸¸ ˆÅú ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ ›¸ú¸½ ¬¸»¸ú¤¸Ö ¬¸¸¿¢¨¸¢š¸ˆÅ œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸ ‚›¸ºœ¸¸¥¸›¸
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ퟸ›¸½ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚›¸º¬¸¸£ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ׸£¸ ‚›¸º£¢®¸÷¸ ¤¸¢í¡¸¸Ê, ˆÅ¸Š¸{¸¸÷¸, ˆÅ¸¡¸Ä¨¸¼î¸ ¤¸¢í¡¸¸Ê, ™¸¢‰¸¥¸ ¢ˆÅ‡
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i. ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 (`‚¢š¸¢›¸¡¸Ÿ¸') ÷¸˜¸¸ ƒ¬¸ˆ½Å ‚š¸ú›¸ ¤¸›¸¸‡ Š¸‡ ¢›¸¡¸Ÿ¸;

ii. œÏ¢÷¸ž¸»¢÷¸ ¬¸¿¢¨¸™¸ (¢¨¸¢›¸¡¸Ÿ¸›¸) ‚¢š¸¢›¸¡¸Ÿ¸,1956 (`‡¬¸¬¸ú‚¸£‡') ÷¸˜¸¸ ƒ¬¸ˆ½Å ‚š¸ú›¸ ¤¸›¸¸‡ Š¸‡ ¢›¸¡¸Ÿ¸;

iii. ¢›¸®¸½œ¸¸Š¸¸£ ‚¢š¸¢›¸¡¸Ÿ¸, 1996 ‚¸¾£ ƒ¬¸ˆ½Å ‚š¸ú›¸ ÷¸¾¡¸¸£ ˆÅú Š¸ƒÄ ¢¨¸¢›¸¡¸Ÿ¸ ÷¸˜¸¸ „œ¸-¢›¸¡¸Ÿ¸¸½¿;

iv. ¢¨¸™½©¸ú Ÿ¸ºÍ¸ œÏ¤¸¿š¸ ‚¢š¸¢›¸¡¸Ÿ¸, 1999 ‚¸¾£ œÏ÷¡¸®¸ ¢¨¸™½©¸ú ¢›¸¨¸½©¸, ¬¸Ÿ¸ºÍœ¸¸£ú¡¸ œÏ÷¡¸®¸ ¢›¸¨¸½©¸ ÷¸˜¸¸ ¤¸¸à¸ ¨¸¸¢µ¸¦¡¸ˆÅ „š¸¸£ ˆÅú ¬¸úŸ¸¸ ÷¸ˆÅ ƒ¬¸ˆ½Å ‚š¸ú›¸
¤¸›¸¸‡ Š¸‡ ¢›¸¡¸Ÿ¸ ÷¸˜¸¸ ¢¨¸¢›¸¡¸Ÿ¸›¸ - ¥¸¸Š¸» ›¸íú¿ Æ¡¸¸Ê¢ˆÅ ¬¸Ÿ¸ú®¸¸š¸ú›¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢£œ¸¸½’Ä ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ˆÅ¸½ƒÄ ‹¸’›¸¸ ›¸íú¿ í¾;

v. ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸ ‚¸¾£ ¢¨¸¢›¸Ÿ¸¡¸ ¤¸¸½”Ä ‚¢š¸¢›¸¡¸Ÿ¸, 1992 (`¬¸½¤¸ú ‚¢š¸¢›¸¡¸Ÿ¸') ˆ½Å ‚š¸ú›¸ ¢¨¸¢›¸¢™Ä«’ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ¢¨¸¢›¸¡¸Ÿ¸ ÷¸˜¸¸ ¢™©¸¸¢›¸™½Ä©¸À

ˆÅ. ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸ ‚¸¾£ ¢¨¸¢›¸Ÿ¸¡¸ ¤¸¸½”Ä (©¸½¡¸£¸Ê ˆÅ¸ œ¸¡¸¸Äœ÷¸ ‚¸Ä›¸ ‚¸¾£ ‚¢š¸ŠÏíµ¸) ¢¨¸¢›¸¡¸Ÿ¸, 2011;

‰¸. ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸ ‚¸¾£ ¢¨¸¢›¸Ÿ¸¡¸ ¤¸¸½”Ä (ž¸½¢™¡¸¸ ¨¡¸¸œ¸¸£ ˆÅ¸ œÏ¢÷¸«¸½š¸) ¢¨¸¢›¸¡¸Ÿ¸, 2015 ;

Š¸. ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸ ‚¸¾£ ¢¨¸¢›¸Ÿ¸¡¸ ¤¸¸½”Ä (œ¸»¿¸ú ¢›¸Š¸ÄŸ¸ ‚¸¾£ œÏˆÅ’›¸ ‚œ¸½®¸¸‡¿) ¢¨¸¢›¸¡¸Ÿ¸, 2018; - ¥¸¸Š¸» ›¸íú¿ Æ¡¸¸Ê¢ˆÅ ¬¸Ÿ¸ú®¸¸š¸ú›¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸
¢£œ¸¸½’Ä ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ˆÅ¸½ƒÄ ‹¸’›¸¸ ›¸íú¿ í¾;

‹¸. ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸ ‚¸¾£ ¢¨¸¢›¸Ÿ¸¡¸ ¤¸¸½”Ä (©¸½¡¸£ ‚¸š¸¸¢£÷¸ ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ ‚¸¾£ „Ô¸Ÿ¸ ƒ¦Æ¨¸’ú) ¢¨¸¢›¸¡¸Ÿ¸, 2021- ¥¸¸Š¸» ›¸íú¿ Æ¡¸¸Ê¢ˆÅ ¬¸Ÿ¸ú®¸¸š¸ú›¸
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢£œ¸¸½’Ä ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ˆÅ¸½ƒÄ ‹¸’›¸¸ ›¸íú¿ í¾;

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Œ. ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸ ÷¸˜¸¸ ŠÏ¸íˆÅ ˆ½Å ¬¸¸˜¸ ¬¸¿¨¡¸¨¸í¸£ ˆ½Å ¤¸¸£½ Ÿ¸Ê ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸ ‚¸¾£ ¢¨¸¢›¸Ÿ¸¡¸ ¤¸¸½”Ä (¢›¸Š¸ÄŸ¸ ˆ½Å £¢¸¬’︣ ‚¸¾£ ©¸½¡¸£ ‚¿÷¸£µ¸ ‡¸Ê’)
¢¨¸¢›¸¡¸Ÿ¸,1993 - ¥¸¸Š¸» ›¸íú¿ Æ¡¸¸Ê¢ˆÅ ¤¸ÿˆÅ ¬¸Ÿ¸ú®¸¸š¸ú›¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢›¸Š¸ÄŸ¸ ˆ½Å £¢¸¬’︣ ‚¸¾£ ©¸½¡¸£ ‚¿÷¸£µ¸ ‡¸Ê’ ˆ½Å ³Åœ¸ Ÿ¸Ê
œ¸¿¸úˆ¼Å÷¸ ›¸íú¿ í¾;

¸. ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸ ‚¸¾£ ¢¨¸¢›¸Ÿ¸¡¸ ¤¸¸½”Ä (ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆÅú ‚¬¸»¸ú¤¸Ö÷¸¸) ¢¨¸¢›¸¡¸Ÿ¸, 2021 - ¥¸¸Š¸» ›¸íú¿, Æ¡¸¸Ê¢ˆÅ ¤¸ÿˆÅ ›¸½ ¬¸Ÿ¸ú®¸¸š¸ú›¸ ¢¨¸î¸ú¡¸
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢ˆÅ¬¸ú ¬’¸ˆÅ ‡Æ¬¸¸Ê¸ ¬¸½ ‚œ¸›¸½ ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆÅ¸½ ‚¬¸»¸ú¤¸Ö ›¸íú¿ ¢ˆÅ¡¸¸ í¾/ ‚¬¸»¸ú¤¸Ö ˆÅ£›¸½ ˆÅ¸ œÏ¬÷¸¸¨¸ ›¸íú¿
¢ˆÅ¡¸¸ í¾;

Ž. ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸ ‚¸¾£ ¢¨¸¢›¸Ÿ¸¡¸ ¤¸¸½”Ä (œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅú ¨¸¸œ¸¬¸ú-‰¸£ú™) ¢¨¸¢›¸¡¸Ÿ¸, 2018 - ¥¸¸Š¸» ›¸íú¿, Æ¡¸¸Ê¢ˆÅ ¤¸ÿˆÅ ›¸½ ¬¸Ÿ¸ú®¸¸š¸ú›¸ ¢¨¸î¸ú¡¸
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚œ¸›¸ú ¢ˆÅ¬¸ú œÏ¢÷¸ž¸»¢÷¸ ˆÅú ¨¸¸œ¸¬¸ú-‰¸£ú™ ›¸íú¿ ˆÅú í¾/ ¨¸¸œ¸¬¸ú-‰¸£ú™ ˆÅ¸ œÏ¬÷¸¸¨¸ ›¸íú¿ ¢ˆÅ¡¸¸ í¾;

¸. ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸ ‚¸¾£ ¢¨¸¢›¸Ÿ¸¡¸ ¤¸¸½”Ä (Š¸¾£-œ¸¢£¨¸÷¸Ä›¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅ¸ ¢›¸Š¸ÄŸ¸ ‚¸¾£ ¬¸»¸ú¤¸Ö÷¸¸) ¢¨¸¢›¸¡¸Ÿ¸, 2021

¸. ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸ ‡¨¸¿ ¢¨¸¢›¸Ÿ¸¡¸ ¤¸¸½”Ä (¬¸»¸ú¤¸Ö÷¸¸ ¤¸¸š¡¸÷¸¸‡¿ ‡¨¸¿ œÏˆÅ’›¸ ‚œ¸½®¸¸‡Â) ¢¨¸¢›¸¡¸Ÿ¸, 2015.

vi. œÏ¤¸¿š¸›¸ ›¸½ ¤¸ÿˆÅ œ¸£ ¢¨¸©¸½«¸ ³Åœ¸ ¬¸½ ¥¸¸Š¸» ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ˆÅ¸›¸»›¸¸Ê ˆÅú œ¸í¸¸›¸ ÷¸˜¸¸ œ¸º¦«’ ˆÅú í¾À

1. ¤¸ÿˆÅˆÅ¸£ú ¢¨¸¢›¸¡¸Ÿ¸ ‚¢š¸¢›¸¡¸Ÿ¸, 1949 ÷¸˜¸¸ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ¸¸£ú ¢›¸¡¸Ÿ¸, ‚¢š¸¬¸»¸›¸¸‡¿, œ¸¢£œ¸°¸ ‡¨¸¿ Ÿ¸¸Š¸Ä™©¸Ä›¸;

2. ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ (‚¸£¤¸ú‚¸ƒÄ) ‚¢š¸¢›¸¡¸Ÿ¸, 1934;

3. ¢¨¸î¸ú¡¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ œÏ¢÷¸ž¸»¢÷¸ˆÅ£µ¸ ‚¸¾£ œ¸º›¸Š¸Ä“›¸ ‡¨¸¿ œÏ¢÷¸ž¸»¢÷¸ ¢í÷¸ ˆÅ¸ œÏ¨¸÷¸Ä›¸ (¬¸£û½Å‡¬¸ú) ‚¢š¸¢›¸¡¸Ÿ¸, 2002;

4. š¸›¸-©¸¸½š¸›¸ ¢›¸¨¸¸£µ¸ ‚¢š¸¢›¸¡¸Ÿ¸ (œ¸ú‡Ÿ¸‡¥¸‡), 2002 ‡¨¸¿ š¸›¸-©¸¸½š¸›¸ ¢›¸¨¸¸£µ¸ (¢£ˆÅ¸Á”Ä œÏ¤¸¿š¸›¸ ‚¸¢™), ¢›¸¡¸Ÿ¸¸¨¸¥¸ú, 2005

5. ž¸ºŠ¸÷¸¸›¸ ‚¸¾£ ¢›¸œ¸’¸›¸ œÏµ¸¸¥¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2007;

6. œ¸£ÇŸŸ¡¸ ¢¥¸‰¸÷¸ ‚¢š¸¢›¸¡¸Ÿ¸, 1881.

ퟸ›¸½ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ˆ½Å ¥¸¸Š¸» ‰¸¿”¸Ê ˆ½Å ‚›¸ºœ¸¸¥¸›¸ ˆÅú ž¸ú ¸¸¿¸ ˆÅú í¾À

(i) ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅú ¤¸¾“ˆÅ¸Ê (‡¬¸‡¬¸-1) ‚¸¾£ Ÿ¸í¸ ¬¸ž¸¸‚¸Ê (‡¬¸‡¬¸-2) ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ž¸¸£÷¸ú¡¸ ˆ¿Åœ¸›¸ú ¬¸¢¸¨¸ ¬¸¿¬˜¸¸›¸ ׸£¸ ¸¸£ú ¬¸¢¸¨¸ú¡¸ Ÿ¸¸›¸ˆÅ;

(ii) ¤¸ú‡¬¸ƒÄ ¢¥¸¢Ÿ¸’½” ¨¸ ›¸½©¸›¸¥¸ ¬’¸ÁˆÅ ‡Æ¬¸¸Ê¸ ‚¸ÁûÅ ƒ¿¢”¡¸¸ ¢¥¸¢Ÿ¸’½” ˆ½Å ¬¸¸˜¸ ¢ˆÅ‡ Š¸‡ ¬¸»¸ú¤¸Ö÷¸¸ ˆÅ£¸£.

¬¸Ÿ¸ú®¸¸š¸ú›¸ ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ›¸½ „œ¸¡¸ºÄÆ÷¸ ‚¢š¸¢›¸¡¸Ÿ¸, ¢›¸¡¸Ÿ¸¸Ê, ¢¨¸¢›¸¡¸Ÿ¸¸Ê, ¢™©¸¸¢›¸™½Ä©¸¸Ê, Ÿ¸¸›¸ˆÅ¸Ê ‚¸¢™ ˆÅ¸ ‚›¸ºœ¸¸¥¸›¸ ¢ˆÅ¡¸¸ í¾.

ퟸ ¡¸í ž¸ú ¢£œ¸¸½’Ä ˆÅ£÷¸½ íÿ ¢ˆÅ À

 ¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅ¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ¸Ê, Š¸¾£-ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ¸Ê, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ¸Ê ‚¸¾£ Ÿ¸¢í¥¸¸ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ˆ½Å ¬¸Ÿ¸º¢¸÷¸ ¬¸¿÷¸º¥¸›¸ ˆ½Å ¬¸¸˜¸
¢¨¸¢š¸¨¸÷¸ Š¸“›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ¬¸Ÿ¸ú®¸¸š¸ú›¸ ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅú ¬¸¿£¸›¸¸ Ÿ¸Ê ¢ˆÅ‡ Š¸‡ œ¸¢£¨¸÷¸Ä›¸ ‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚›¸ºœ¸¸¥¸›¸ Ÿ¸Ê ¢ˆÅ‡
Š¸‡ ˜¸½.

 ˆ½Å¨¸¥¸ ‡½¬¸½ œÏˆÅ£µ¸¸Ê ˆÅ¸½ Ž¸½”õˆÅ£ ¢¸›¸Ÿ¸Ê ¬¸»¸›¸¸, ˆÅ¸¡¸Ä-¬¸»¸ú ‚¸¾£ ˆÅ¸¡¸Ä-¬¸»¸ú œ¸£ ›¸¸½’ ¤¸¾“ˆÅ ¬¸½ ¬¸¸÷¸ ¢™›¸ ¬¸½ ˆÅŸ¸ ¬¸Ÿ¸¡¸ œ¸í¥¸½ ž¸½¸›¸½ ˆ½Å ¢¥¸‡ ¢›¸™½©¸ˆÅ¸Ê ˆÅú
¬¸íŸ¸¢÷¸ œÏ¸œ÷¸ íºƒÄ ˜¸ú, ¬¸ž¸ú ¢›¸™½©¸ˆÅ¸Ê ˆÅ¸½ ¤¸¸½”Ä /¬¸¢Ÿ¸¢÷¸ ¤¸¾“ˆÅ¸Ê ˆ½Å ‚¸¡¸¸½¸›¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê œ¸¡¸¸Äœ÷¸ ¬¸Ÿ¸¡¸ œ¸í¥¸½ ¬¸»¸›¸¸ ™ú ¸¸÷¸ú í¾ ‚¸¾£ ˆÅ¸¡¸Ä-¬¸»¸ú ‡¨¸¿ ˆÅ¸¡¸Ä-
¬¸»¸ú œ¸£ ¢¨¸¬÷¸¼÷¸ ›¸¸½’ ˆÅŸ¸ ¬¸½ ˆÅŸ¸ ¬¸¸÷¸ ¢™›¸ œ¸í¥¸½ ž¸½¸½ Š¸‡ íÿ;

 ¤¸¾“ˆÅ¸Ê ¬¸½ œ¸í¥¸½ ˆÅ¸¡¸Ä-¬¸»¸ú ˆÅú Ÿ¸™¸Ê œ¸£ ‚¢š¸ˆÅ ¸¸›¸ˆÅ¸£ú ‡¨¸¿ ¬œ¸«’úˆÅ£µ¸ Ÿ¸¸¿Š¸›¸½ ÷¸˜¸¸ œÏ¸œ÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‚¸¾£ ¤¸¾“ˆÅ Ÿ¸Ê ¬¸¸˜¸ÄˆÅ ¬¸íž¸¸¢Š¸÷¸¸ ˆ½Å ¢¥¸‡
¨¡¸¨¸¬˜¸¸ Ÿ¸¸¾¸»™ í¾.

dm{f©H$ [anmoQ>© Annual Report 2023-24 113

 ¤¸¸½”Ä ÷¸˜¸¸ ¬¸¢Ÿ¸¢÷¸ ˆÅú ¤¸¾“ˆÅ¸Ê Ÿ¸Ê ¬¸ž¸ú ¢›¸µ¸Ä¡¸ ‚œ¸½¢®¸÷¸ ¤¸íºŸ¸÷¸ ¬¸½ ¢¥¸¡¸½ Š¸‡ íÿ.

ퟸ ¡¸í ž¸ú ¢£œ¸¸½’Ä ˆÅ£÷¸½ íÿ ¢ˆÅ ¤¸ÿˆÅ ׸£¸ ¬˜¸¸¢œ¸÷¸ ‚›¸ºœ¸¸¥¸›¸ œÏµ¸¸¥¸ú ˆÅú ¬¸Ÿ¸ú®¸¸ ‚¸¾£ ¢¨¸¢ž¸››¸ ¢¨¸ž¸¸Š¸¸Ê/ ¨¸¢’Ĉť¸¸Ê/ ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸¢›¸¡¸¸Ê ¬¸½ œÏ¸œ÷¸ œÏŸ¸¸µ¸-œ¸°¸¸Ê œ¸£
‚¸š¸¸¢£÷¸ ˆ¿Åœ¸›¸ú ¬¸¢¸¨¸ ‡¨¸¿ Ÿ¸º‰¡¸ ‚›¸ºœ¸¸¥¸›¸ ‚¢š¸ˆÅ¸£ú ׸£¸ ¸¸£ú ‚¸¾£ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ׸£¸ „›¸ˆÅú ¤¸¾“ˆÅ (ˆÅ¸Ê) Ÿ¸Ê ™¸Ä ¢ˆÅ‡ Š¸‡ ‚›¸ºœ¸¸¥¸›¸ œÏŸ¸¸µ¸œ¸°¸(°¸¸Ê)
ˆ½Å ‚¸š¸¸£ œ¸£ ퟸ¸£¸ ‚¢ž¸Ÿ¸÷¸ í¾ ¢ˆÅ ¥¸¸Š¸» ˆÅ¸›¸»›¸¸Ê, ¢›¸¡¸Ÿ¸¸Ê, ¢¨¸¢›¸¡¸Ÿ¸¸Ê ‚¸¾£ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸ºœ¸¸¥¸›¸ ˆÅú ¢›¸Š¸£¸›¸ú ˆÅ£›¸½ ‚¸¾£ „›¸ˆÅ¸ ‚›¸ºœ¸¸¥¸›¸ ¬¸º¢›¸¢ä¸÷¸
ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ œÏµ¸¸¢¥¸¡¸¸Â ‚¸¾£ œÏ¢ÇÅ¡¸¸‡Â Ÿ¸¸¾¸»™ íÿ ‚¸¾£ ¤¸ÿˆÅ ˆ½Å ‚¸ˆÅ¸£ ‚¸¾£ œ¸¢£¸¸¥¸›¸ ˆ½Å ‚›¸º³Åœ¸ ƒ›¸ˆÅ¸½ ‚¸¾£ Ÿ¸¸¤¸»÷¸ ¤¸›¸¸›¸½ ˆ½Å ¢¥¸‡ œÏ¡¸¸¬¸
¢ˆÅ¡¸¸ ¸¸ £í¸ í¾.

¥¸½‰¸¸œ¸£ú®¸¸ ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ „œ¸¡¸ºÄÆ÷¸ ˆÅ¸›¸»›¸¸Ê, ¢›¸¡¸Ÿ¸¸Ê, ¢¨¸¢›¸¡¸Ÿ¸¸Ê, ¢™©¸¸¢›¸™½Ä©¸¸Ê, Ÿ¸¸›¸ˆÅ¸Ê ˆ½Å ‚›¸º¬¸£µ¸ ˆ½Å ˆÅ¸£µ¸ ¢›¸Ÿ›¸ Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê/ˆÅ¸£Ä¨¸¸ƒ¡¸¸Ê ˆÅ¸ ¤¸ÿˆÅ ˆ½Å ˆÅ¸¡¸Ä œ¸£
œÏŸ¸º‰¸ œÏž¸¸¨¸ œ¸”õ¸À

 ¤¸ÿˆÅ ›¸½, ¬¸½¤¸ú ¢¨¸¢›¸¡¸Ÿ¸¸Ê ˆ½Å ‚¢š¸™½©¸ ˆ½Å ‚›¸º¬¸¸£, 13 ¸º¥¸¸ƒÄ 2023 ˆÅ¸½ ¬¸¿œ¸››¸ 19¨¸ú¿ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ¢”¤¸Ê¸£š¸¸£ˆÅ¸Ê ˆ½Å œÏ¢÷¸ ¸»ˆÅ ˆÅú ¦¬˜¸¢÷¸ Ÿ¸Ê ¢”¤¸Ê¸£
’﬒ú ׸£¸ ›¸¸¢Ÿ¸÷¸ ¢›¸™½©¸ˆÅ ¢›¸¡¸ºÆ÷¸ ˆÅ£›¸½ ˆÅ¸ œÏ¸¨¸š¸¸›¸ ©¸¸¢Ÿ¸¥¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‚œ¸›¸½ ¬¸¿¬˜¸¸ ˆ½Å ‚¿÷¸¢›¸Ä¡¸Ÿ¸¸Ê Ÿ¸Ê ¬¸™¬¡¸¸Ê ׸£¸ œ¸¸¢£÷¸ ¢¨¸©¸½«¸ ¬¸¿ˆÅ¥œ¸ ˆ½Å ׸£¸
¬¸¿©¸¸½š¸›¸ ¢ˆÅ¡¸¸ í¾.
¡¸í ¢£œ¸¸½’Ä íŸ¸¸£½ ¬¸Ÿ¸ ¢™›¸¸¿¢ˆÅ÷¸ œ¸°¸ ˆ½Å ¬¸¸˜¸ œ¸õú ¸¸‡ ¸¸½ ‚›¸º¤¸¿š¸-‚ ˆ½Å ³Åœ¸ Ÿ¸Ê ¬¸¿¥¸Š›¸ í¾ ¸¸½ ƒ¬¸ ¢£œ¸¸½’Ä ˆÅ¸ ‡ˆÅ ‚¢ž¸››¸ ‚¿Š¸ í¾.

ˆ¼Å÷¸½ ‡¬¸. ‡›¸. ‚›¸¿÷¸¬¸º¤ÏŸ¸¢µ¸¡¸›¸ ‡µ” ˆ¿Å.

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31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ퟸ¸£ú ¬¸Ÿ¸ ¢™›¸¸¿¢ˆÅ÷¸ ¬¸¢¸¨¸ú¡¸ ¥¸½‰¸¸œ¸£ú®¸¸ ¢£œ¸¸½’Ä ƒ¬¸ œ¸°¸ ˆ½Å ¬¸¸˜¸ œ¸õú ¸¸‡.
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1. ¡¸í ¤¸ÿˆÅ œÏ¤¸¿š¸›¸ ˆÅú ¢¸ŸŸ¸½™¸£ú í¾ ¢ˆÅ ¨¸í ¬¸¢¸¨¸ú¡¸ ‚¢ž¸¥¸½‰¸¸Ê ˆÅ¸ ‚›¸º£®¸µ¸ ˆÅ£½, ¥¸¸Š¸» ¬¸ž¸ú ˆÅ¸›¸»›¸¸Ê ÷¸˜¸¸ ¢¨¸¢›¸¡¸Ÿ¸¸Ê ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸ ‚›¸ºœ¸¸¥¸›¸ ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸½
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2. ퟸ¸£ú ¢¸ŸŸ¸½™¸£ú ¬¸¢¸¨¸ú¡¸ ‚›¸ºœ¸¸¥¸›¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¤¸ÿˆÅ ׸£¸ ‚›¸º¬¸£µ¸ ¢ˆÅ‡ Š¸‡ ƒ›¸ ¬¸¢¸¨¸ú¡¸ ‚¢ž¸¥¸½‰¸¸Ê, Ÿ¸¸›¸ˆÅ¸Ê ‡¨¸¿ œÏ¢ÇÅ¡¸¸‚¸Ê ˆ½Å ¤¸¸£½ Ÿ¸Ê ‚œ¸›¸ú £¸¡¸ œÏˆÅ’
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4. ퟸ¸£¸ ¢¨¸æ¸¸¬¸ í¾ ¢ˆÅ ¤¸ÿˆÅ œÏ¤¸¿š¸›¸ ¬¸½ œÏ¸œ÷¸ ¥¸½‰¸¸œ¸£ú®¸¸ ¬¸¸®¡¸ ‚¸¾£ ¸¸›¸ˆÅ¸£ú ퟸ¸£ú £¸¡¸ ˆ½Å ¢¥¸‡ ‚¸š¸¸£ œÏ™¸›¸ ˆÅ£›¸½ í½÷¸º œ¸¡¸¸Äœ÷¸ ‡¨¸¿ ¬¸Ÿ¸º¢¸÷¸ í¾.
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í¾.
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‚¸æ¸¸¬¸›¸ ™½÷¸ú í¾.
8. ퟸ›¸½ ¤¸ÿˆÅ ˆ½Å ¢¨¸î¸ú¡¸ ‚¢ž¸¥¸½‰¸¸Ê ÷¸˜¸¸ ¥¸½‰¸¸ ¤¸¢í¡¸¸Ê ˆÅú œ¸¢£©¸ºÖ÷¸¸ ÷¸˜¸¸ „œ¸¡¸ºÆ÷¸÷¸¸ ˆÅ¸ ¬¸÷¡¸¸œ¸›¸ ›¸íú¿ ¢ˆÅ¡¸¸ í¾.

ˆ¼Å÷¸½ ‡¬¸. ‡›¸. ‚›¸¿÷¸¬¸º¤ÏŸ¸¢µ¸¡¸›¸ ‡µ” ˆ¿Å.

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¢™›¸¸¿ˆÅ À 23 Ÿ¸ƒÄ 2024, “¸µ¸½

dm{f©H$ [anmoQ>© Annual Report 2023-24 115

 ¢›¸™½©¸ˆÅ¸Ê ˆÅú Š¸¾£-‚œ¸¸°¸÷¸¸ ¬¸¿¤¸¿š¸ú œÏŸ¸¸µ¸ œ¸°¸
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i) ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 (`‚¢š¸¢›¸¡¸Ÿ¸') ˆÅú š¸¸£¸ 164 ˆ½Å ‚š¸ú›¸ ‚œ¸½¢®¸÷¸ Š¸¾£-‚œ¸¸°¸÷¸¸ ˆÅú ‹¸¸½«¸µ¸¸;
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¢›¸™½©¸ˆÅ œ¸í¸¸›¸ ¬¸¿‰¡¸¸ (”ú‚¸ƒÄ‡›¸) ˆÅú ¦¬˜¸¢÷¸ ¬¸¢í÷¸) ˆ½Å ‚¸š¸¸£ œ¸£, ퟸ¸£ú £¸¡¸ Ÿ¸Ê ÷¸˜¸¸ ퟸ¸£ú ¬¸¨¸¸½Ä¸ ¸¸›¸ˆÅ¸£ú ‚¸¾£ ±¸¸›¸ ÷¸˜¸¸ ¤¸ÿˆÅ, ƒ¬¸ˆ½Å ‚¢š¸ˆÅ¸¢£¡¸¸Ê ‚¸¾£
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3. ªú ¬¸Ÿ¸£½©¸ œ¸¢£™¸ 01853823 19/05/2018 -
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116 Friendship That

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Corporate Overview Statutory Reports Financial Statements

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¡¸í œÏŸ¸¸µ¸œ¸°¸ ›¸ ÷¸¸½ ¤¸ÿˆÅ ˆÅú ž¸¸¨¸ú ¨¡¸¨¸í¸¡¸Ä÷¸¸ ˆÅ¸ ‚¸¾£ ›¸ íú œÏ¤¸¿š¸›¸ ׸£¸ ¤¸ÿˆÅ ˆ½Å ˆÅ¸¡¸¸½ô ˆ½Å ¬¸¿¸¸¥¸›¸ Ÿ¸Ê „›¸ˆÅú ™®¸÷¸¸ ‚˜¸¨¸¸ œÏž¸¸¨¸ˆÅ¸¢£÷¸¸ ˆÅ¸ ‚¸æ¸¸¬¸›¸ ™½÷¸¸ í¾.
¡¸í œÏŸ¸¸µ¸œ¸°¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ‚œ¸›¸ú ˆÅ¸Á£œ¸¸½£½’ ‚¢ž¸©¸¸¬¸›¸ ¢£œ¸¸½’Ä Ÿ¸Ê œÏˆÅ’úˆÅ£µ¸ í½÷¸º ¤¸ÿˆÅ ˆ½Å ‚›¸º£¸½š¸ œ¸£ ¸¸£ú ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.

ˆ¼Å÷¸½ ‡¬¸. ‡›¸. ‚›¸¿÷¸¬¸º¤ÏŸ¸¢µ¸¡¸›¸ ‡µ” ˆ¿Å.

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‚¸ƒÄ¬¸ú‡¬¸‚¸ƒÄ ¡¸»”ú‚¸ƒÄ‡›¸À F004206F000429884
¢™›¸¸¿ˆÅÀ 23 Ÿ¸ƒÄ 2024— “¸µ¸½

dm{f©H$ [anmoQ>© Annual Report 2023-24 117

Varma & Varma, G D Apte & Co.,
Chartered Accountants, Unit No 101, Chartered Accountants,
Option Primo, D - 509, Neelkanth Business Park,
Plot No X-21, MIDC Road No. 21, Nathani Road, Vidyavihar West,
Andheri East, Mumbai-400086
Mumbai-400 093 Maharashtra Maharashtra

INDEPENDENT AUDITOR'S CERTIFICATE ON COMPLIANCE WITH THE CONDITIONS OF CORPORATE GOVERNANCE AS PER
CERTAIN PROVISIONS OF CHAPTER IV OF THE SECURITIES AND EXCHANGE BOARD OF INDIA (LISTING OBLIGATIONS AND
DISCLOSURE REQUIREMENTS) REGULATIONS, 2015
To,
The Members, IDBI Bank Limited
Introduction
1. We are the Joint Statutory Central Auditors of IDBI BANK LIMITED (hereinafter referred to as “the Bank”), having its registered office at
IDBI Tower, WTC Complex, Cuffe Parade, Mumbai 400005, are issuing a certificate for the Bank’s compliance with the conditions of
Corporate Governance as stipulated in regulations 17 to 27 and clauses (b) to (i) of regulation 46(2) and para C and D of Schedule V of
the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirement) Regulations, 2015, as amended (‘Listing
Regulations”) from time to time.
Management’s Responsibility
2. The compliance of conditions of Corporate Governance as stipulated under listing regulations is the responsibility of the Management.
This responsibility includes the design, implementation and maintenance of internal control and procedures to ensure the compliance
with the conditions of the Corporate Governance stipulated in the Listing Regulations.
Auditor’s Responsibility
3. Our responsibility is limited to examining the procedures and implementation thereof, adopted by the Bank for ensuring compliance with
the conditions of corporate governance. It is neither an audit nor an expression of opinion on the financial statements of the Bank.
4. We have examined the books of account and other relevant records and documents maintained by the Bank for the purpose of
providing reasonable assurance on the compliance with Corporate Governance requirements by the Bank.
5. We have carried out an examination of the relevant records of the Bank in accordance with the Guidance Note on Certification of
Corporate Governance issued by the Institute of the Chartered Accountants of India (the ICAI), the Standards on Auditing specified
under Section 143(10) of the Companies Act 2013, in so far as it is applicable for the purpose of this certificate and as per the Guidance
Note on Reports or Certificates for Special Purposes issued by the ICAl which requires that we comply with the ethical requirements of
the Code of Ethics issued by the ICAI.
6. We have complied with the relevant applicable requirements of the Standards on Quality Control (SQC) 1, Quality Control for Firms that
Perform Audit and Reviews of Historical Financial Information, and Other Assurance and Related Services Engagements.
Conclusion
7. Based on our examination of the relevant records and according to the information and explanations provided to us and the
representations provided by the Management, we certify that the Bank has complied with the conditions of Corporate Governance as
stipulated in regulations 17 to 27 and clauses (b) to (i) of regulation 46(2) and para C and D of Schedule V of the Listing Regulations
during the year ended March 31, 2024 as applicable .
Restriction on Use
8. This Certificate is neither an assurance as to the future viability of the Bank nor the efficiency or effectiveness with which the management
has conducted the affairs of the Bank.
9. This certificate is addressed to and provided to the members of the Bank solely for the purpose of enabling it to comply with its
obligations under the Listing Regulations with reference to compliance with the relevant regulations of Corporate Governance and
should not be used by any other person or for any other purpose. Accordingly, we do not accept or assume any liability or any duty of
care or for any other purpose or to any other party to whom it is shown or into whose hands it may come without our prior consent in
writing. We have no responsibility to update this certificate for events and circumstances occurring after the date of this certificate.

For Varma & Varma For GD Apte & Co.

Chartered Accountants Chartered Accountants
Firm Reg. No. 004532S Firm Reg. No. 100515W
Srinivas K P Saurabh Peshwe
Partner Partner
Membership No. 208520 Membership No. 121546
UDIN: 24208520BKBLWZ2455 UDIN: 24121546BKBJHH5852
Place: Bangalore Place: Pune
Date: 18th June 2024 Date: 18th June 2024

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Corporate Overview Statutory Reports Financial Statements

Corporate Governance Report

Brief Statement on the Bank’s Philosophy on Code of Governance

The Bank is committed to upholding the highest standards of corporate governance in its operations. Its policies and practices
are not only in line with the statutory requirements, but also reflect its commitment to operate in the best interest of its
stakeholders. The responsibility for maintaining high governance standards lies with the Bank’s Board of Directors and various
Board Committees, which are empowered to monitor implementation of the best corporate governance practices, including
making of necessary disclosures within the framework of legal and regulatory provisions and banking conventions.
In this direction, the Bank is committed to ensure that its Board of Directors continues to be constituted according to the
prescribed norms, meets regularly according to the prescribed frequency, provides effective leadership, exercises control over
the management, monitors executive performance and makes appropriate disclosures. Besides, the other policy directives
of the Bank are to establish a strategic control framework and continuously review its efficacy as well as to set up clearly
documented and transparent management processes to develop, implement and review policies, take decisions, monitor,
control and report. The Bank provides free access of relevant information and resources to the Board, enabling it to carry out
its role effectively.

BOARD OF DIRECTORS
The Bank’s Board of Directors is broad-based and its constitution is governed by the provisions of the Banking Regulation
Act, 1949, guidelines issued by the Reserve Bank of India (RBI), the Companies Act, 2013, the Articles of Association of the
Bank and the requirements of Corporate Governance, as envisaged in the Securities & Exchange Board of India (SEBI) (Listing
Obligations & Disclosure Requirements) Regulations, 2015 (LODR Regulations). The Bank’s Board functions directly as well as
through various Board Committees constituted to provide focussed governance in the important functional areas.
i. Terms of Reference
• To make calls on shareholders in respect of money unpaid on their shares;
• To authorise buy-back of securities under Section 68 of the Companies Act, 2013;
• To issue securities, including debentures, whether in or outside India;
• To borrow monies;
• To invest the funds of the Bank;
• To approve financial statements and the Board’s report of the Bank;
• To diversify the business of the Bank;
• To approve amalgamation, merger or reconstruction;
• To take over a company or acquire a controlling or substantial stake in another company;
• To appoint or remove Key Managerial Personnel (KMP);
• To appoint Internal Auditors and Secretarial Auditors;
• To make political contributions;
• To take note of the disclosures of Directors’ interest and shareholding;
• To buy and sell investments held by the Bank (other than trade investments), constituting five percent or more of
the paid up share capital and free reserves of the investee company;
• To approve quarterly, half-yearly and annual financial statements or financial results, as the case may be;
• To periodically review compliance reports pertaining to all laws applicable to the Bank, prepared by the Bank as
well as steps taken by the Bank to rectify instances of non-compliances;
• To lay down a code of conduct for all the members of the Board of Directors and the senior management of the
Bank;

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Corporate Governance Report

• To ensure framing of, implementation of and monitoring of the risk management plan for the Bank;

• To undertake performance evaluation of the Independent Directors, all the other Directors, the Committees of the
Board and the Board of Directors as a whole;

• To review and guide corporate strategy, major plans of action, risk policy, annual budgets and business plans, to
set performance objectives, to monitor implementation and corporate performance, and to oversee major capital
expenditures, acquisitions and divestments;

• To monitor the effectiveness of the Bank’s governance practices and making changes as needed;

• To select, compensate, monitor and, when necessary, replace the Key Managerial Personnel (KMP) and oversee
succession planning;

• To align remuneration of Key Managerial Personnel (KMP) and Directors with the longer term interests of the Bank
and its shareholders;

• To ensure a transparent nomination process to the Board to achieve diversity of thought, experience, knowledge,
perspective and gender in the Board of Directors;

• To monitor and manage potential conflicts of interest of management, members of the Board of Directors and
shareholders, including misuse of corporate assets and abuse in related party transactions;

• To ensure the integrity of the Bank’s accounting and financial reporting systems, including the independent audit
and that appropriate systems of control are in place, in particular, systems for risk management, financial and
operational control, and compliance with the law and relevant standards;

• To oversee the process of disclosure and communications;

• To monitor and review the Board of Directors’ evaluation framework;

• To provide strategic guidance to the Bank, to ensure effective monitoring of the management and to be accountable
to the Bank and its shareholders;

• To set a corporate culture and the values by which the executives throughout the Bank shall behave;

• To act on a fully informed basis, in good faith, with due diligence and care, and in the best interests of the Bank
and its shareholders;

• To encourage continual Directors’ training to ensure that the members of the Board of Directors are kept up-to-
date;
• To treat all the shareholders fairly;

• To maintain high ethical standards and take into account the interests of the stakeholders of the Bank;

• To exercise objective independent judgment on the corporate affairs of the Bank;

• To consider assigning a sufficient number of non-executive members of the Board of Directors capable of
exercising independent judgment to tasks where there is a potential for conflict of interest;

• To be able to step back to assist executive management by challenging the assumptions underlying strategy,
strategic initiatives (such as acquisitions), risk appetite, exposures and the key areas of the Bank’s focus;

• To define and disclose the mandate, composition and working procedures of the committees of the Board of
Directors;

• To facilitate the Independent Directors to perform their role effectively as members of the Board of Directors and
also as members of Committees of the Board of Directors; and

• To carry out any other role as may be mandated to it under the regulatory/ statutory guidelines from time-to-time.

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ii. Composition (including Date of Appointment, Educational Qualifications and Skills/ Expertise) of the Board
of Directors as on March 31, 2024 -

Name of the Date of Executive/ Independent/ Educational Qualification Expertise

Director Appoint- Non-Executive Non-
ment Director Independent
Director
Independent Director & Part-time Chairman
Shri T. N. Manoharan February Non-Executive Independent B.Com, M.Com, Law Accountancy, Economics,
24, 2022 Graduate, Fellow member Banking, Law, Risk, Small
of the ICAI and IFRS Scale Industry, Finance,
Certificate level online Human Resource,
learning and assessment Business Management,
programme of The Institute Administration and
of Chartered Accountants Corporate Governance
in England and Wales
Managing Director and Chief Executive Officer
Shri Rakesh Sharma October Executive Non-Independent B.Com, Post Graduate in Accountancy, Agriculture
10, 2018 Economics and CAIIB & Rural Economy,
Banking, Economics,
Small Scale Industry,
Risk, Human Resource,
Business Management,
Administration and
Corporate Governance.
Deputy Managing Director
Shri Jayakumar S. June 12, Executive Non-Independent B.F.Sc, MBA(Finance), Accountancy, Agriculture &
Pillai 2023 Post Graduate Diploma Rural Economy, Banking,
in Foreign Trade (PGDFT), Economics, Finance,
Diploma in Governance, Small Scale Industry,
Risk & Compliance (GRC) Human Resource, Risk,
from ICA, London Business Management,
and CAIIB Administration and
Corporate Governance
Nominee Directors
Shri Mukesh Kumar February Non-Executive Non-Independent B.Sc. and MBA (HRM) Human Resource, Banking,
Gupta (LIC) 10, 2022 Sales & Marketing, Business
Management, Risk,
Information Technology,
Finance, Administration
and Corporate Governance
Shri Raj Kumar (LIC) May 19, Non-Executive Non-Independent B.Sc. Human Resource, Marketing,
2022 Business Management,
Administration and
Corporate Governance
Shri Manoj Sahay April 28, Non-Executive Non-Independent BE (Civil Eng.) Accountancy & Finance,
(GoI) 2022 Administration and
Corporate Governance
Shri Sushil Kumar April 28, Non-Executive Non-Independent B.A. and M.A. (Philosophy) Accountancy & Finance,
Singh (GoI) 2022 Human Resource,
Administration and
Corporate Governance

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Name of the Date of Executive/ Independent/ Educational Qualification Expertise

Director Appoint- Non-Executive Non-
ment Director Independent
Director
Independent Directors
Shri Bhuwanchandra October 9, Non-Executive Independent B.Com and CAIIB Agriculture & Rural
B. Joshi 2017 Economy, Banking,
Small Scale Industry,
Administration and
Corporate Governance
Shri Samaresh May 19, Non-Executive Independent Chartered Accountant, Accountancy, Agriculture
Parida 2018 Cost Accountant and MBA & Rural Economy, Finance,
Information Technology,
Business Management,
Strategic Planning,
Administration and
Corporate Governance
Shri N. Jambunathan May 19, Non-Executive Independent Post Graduate in Statistics, Agriculture & Rural
2018 CAIIB and Diploma in Economy, Banking, Small
Management Scale Industry, Information
Technology, Payment &
Settlement, Administration
and Corporate Governance
Shri Deepak Singhal February Non-Executive Independent B.A., MBA, CAIIB and Agriculture & Rural
28, 2019 PGDRM Economy, Banking,
Human Resource,
Business Management,
Administration and
Corporate Governance
Shri Sanjay G. March 5, Non-Executive Independent B.Com, M.M.S, Ph.D. in Accountancy, Economics,
Kallapur 2019 Business Economics and Finance, Risk, Administration
ACMA and Corporate Governance
Smt. P. V. Bharathi January Non-Executive Woman B.Sc., M. A. (Economics), Agriculture & Rural
14, 2021 Independent B. Ed., CAIIB and Integrated Economy, Banking, Small
Course in Banking & Scale Industry, Risk,
Finance (NIBM) Economics, Administration
and Corporate Governance
Shri Ajay Prakash August 28, Non-Executive Independent Graduate of Institute of Human Resources,
Sawhney 2023 Mechanical Engineers, Information Technology,
London (Equivalent of BE. Payment & Settlement,
Mechanical Engineering) Administration and
Corporate Governance

The strength of 14 (fourteen) Directors on the Board as on March 31, 2024 meets the requirement provided under Article
114(a) of the Articles of Association of the Bank.
In the opinion of the Board, the Independent Directors fulfill the conditions specified in the SEBI (Listing Obligations and
Disclosure Requirements) Regulations, 2015 and are independent of the management.
iii. Relationship between Directors inter-se
(i) None of the Directors on the Bank’s Board are related in any manner, directly or indirectly, to any other Director.
(ii) None of the Whole-Time Directors and Non-Executive Directors (including Independent Directors) of the Bank
have attained the age of seventy years and seventy-five years, respectively, as prescribed by the RBI as the upper
age limit for Directors on the Boards of private sector banks.

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(iii) Chairperson of the Bank is an Independent Director and he is not related to the MD & CEO of the Bank as per the
definition of the term ‘relative’ defined under the Companies Act, 2013, in terms of Article 116(1)(i).
iv. Quorum for the Board Meetings
The quorum for the Board Meetings shall be one-third of the total strength or three (3) Directors, whichever is higher,
subject to at least one Director being a nominee of the Life Insurance Corporation of India (LIC) and at least half of
Directors attending the meeting being Independent Directors.
v. Frequency of the Board Meetings
Meetings of the Board shall ordinarily be held at least six times in a year and at least once in every quarter and not more
than one hundred and twenty days shall intervene between two consecutive Board meetings.
vi. Number of the Board Meetings held
During the period under review (April 1, 2023 to March 31, 2024), 13 meetings of the Board of Directors were held on
April 29, 2023; May 31, 2023; June 23, 2023; July 24, 2023; August 19, 2023; September 30, 2023; October 21, 2023;
November 04, 2023 (strategy meeting); November 30, 2023; December 28, 2023; January 20, 2024; February 28, 2024
and March 28, 2024. Out of these, all the meeting were held in Mumbai, except one meeting held on November 04,
2023 in Goa. The meetings were held in person and through video conferencing as provided by the Ministry of Corporate
Affairs (MCA) and the Securities & Exchange Board of India (SEBI) from time-to-time and the details regarding attendance
at the Board meetings, attendance in the last Annual General Meeting (AGM), Directorships in other companies and
memberships of committees in respect of each Director of the Bank, are given below in Table 1.
Table 1: Directors’ Attendance at the Board Meetings and the last AGM, their Directorships and Committee
Memberships

Name of the Attendance at Attendance at Directorships Memberships/ Names of other

Director the Bank’s Board the last AGM in other Chairmanships listed entities
Meetings held held on companies in other where the person
during tenure July 13, 2023 (other public Companies is a Director and
(Held/ Attended) companies) (only ACB & SRC) the category of
Directorship
1 2 3 4 5 6
PART TIME CHAIRMAN & INDEPENDENT DIRECTOR
Shri T. N. (13/13) Present 02 02 Independent
Manoharan Director:
(DIN: 01186248) 1. Tech Mahindra
Ltd.
2. Mahindra &
Mahindra Ltd.
3. National Bank
for Financing
Infrastructure
and
Development
WHOLE-TIME DIRECTORS
Shri Rakesh Sharma (13/13) Present 02 NIL NIL
(DIN: 06846594)
Shri Samuel Joseph NIL N.A - - -
Jebaraj
(DIN:02262530)
[upto 05-04-2023]

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Corporate Governance Report

Name of the Attendance at Attendance at Directorships Memberships/ Names of other

Director the Bank’s Board the last AGM in other Chairmanships listed entities
Meetings held held on companies in other where the person
during tenure July 13, 2023 (other public Companies is a Director and
(Held/ Attended) companies) (only ACB & SRC) the category of
Directorship
1 2 3 4 5 6

Shri Suresh (10/10) Present - - -

Khatanhar
(DIN:03022106)
[upto 14-01-2024]

Shri Jayakumar S. (11/11) Present 01 NIL NIL

Pillai
(DIN: 10041362)
[w.e.f. 12-06-2023]

NON-EXECUTIVE DIRECTORS

Shri Mukesh Kumar (13/11) Present 01 01 1. ITC Ltd.-

Gupta Nominee
(DIN:06638754) Director

Shri Raj Kumar (13/13) Present 01 NIL 1. Grasim

(DIN:06627311) Industries Ltd. -
Non-Executive
Director

Shri Manoj Sahay (13/07) Present 02 NIL NIL

(DIN:08711612)

Shri Sushil Kumar (13/06) Absent NIL NIL NIL

Singh
(DIN:09584577)

INDEPENDENT DIRECTORS

Shri Gyan Prakash (05/05) Present - - -

Joshi
(DIN:00603925)
[upto 27-08-2023]

Shri (13/13) Present NIL NIL NIL

Bhuwanchandra B.
Joshi
(DIN:06713850)

Shri Samaresh (13/13) Present 01 01 1. Shaily

Parida Engineering
(DIN:01853823) Plastics Limited-
Independent
Director

Shri N. (13/13) Present NIL NIL NIL

Jambunathan
(DIN:05126421)

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Name of the Attendance at Attendance at Directorships Memberships/ Names of other

Director the Bank’s Board the last AGM in other Chairmanships listed entities
Meetings held held on companies in other where the person
during tenure July 13, 2023 (other public Companies is a Director and
(Held/ Attended) companies) (only ACB & SRC) the category of
Directorship
1 2 3 4 5 6

Shri Deepak Singhal (13/13) Present 01 01 NIL

(DIN:08375146)

Shri Sanjay G. (13/13) Present NIL NIL NIL

Kallapur
(DIN:08377808)
Smt. P. V. Bharathi (13/12) Present 03 02 1. PTC India
(DIN:06519925) Financial
Services Ltd.
– Independent
Director
Shri Ajay Prakash (08/08) N.A 02 NIL NIL
Sawhney
(DIN: 03359323)
[w.e.f. 28-08-2023]
None of the Non-Executive Directors of the Bank hold shares or convertible instruments issued by the Bank.

Committees of Board
The Board has constituted a total of 13 Committees namely:
• Audit Committee of the Board • Executive Committee
• Stakeholders’ Relationship Committee • Frauds Monitoring Committee
• Risk Management Committee • CSR & ESG Committee
• Customer Service Committee • Information Technology Strategy Committee
• Nomination & Remuneration Committee • HR Steering Committee
• Recovery Review Committee • Non - Cooperative Borrowers’ Review Committee
• Wilful Defaulters Review Committee

A. AUDIT COMMITTEE OF THE BOARD (ACB)

i. Terms of Reference
• To review exposure to sensitive sectors, i.e., (a) Capital Market; and (b) Real Estate;
• Know Your Customer/ Anti-Money Laundering (KYC/ AML) Guidelines –
i. review of implementation;
ii. review of compliance of the Concurrent Audit reports with respect to adherence to Know Your
Customer (KYC)/ Anti-Money Laundering (AML) guidelines at the branches;
• To review housekeeping - particularly balancing and reconciliation of long outstanding entries Suspense/
Sundries/ Drafts Payable or Paid/ Funds in Transit/ Clearing/ Subsidiary General Ledger (SGL)/ Constituent
Subsidiary General Ledger (CSGL) accounts and review of Nostro accounts;
• To review compliance in respect of the Annual Financial Inspection conducted by the RBI - Risk Assessment
Report (RAR) and Risk Mitigation Plan (RMP) under Supervisory Programme for Assessment of Risk and
Capital;

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• To review the Annual Audit Plan and status of achievement thereof;

• To review significant audit findings/ internal control weakness of the following audits along with the compliance
thereof - (i) Long Form Audit Report (LFAR), (ii) Concurrent Audit, (iii) Internal Inspection, (iv) Information
System Audit of Data Centre and other Departments, (v) Treasury & Derivatives, (vi) Management Audit
at the controlling offices/ the Head Office, (vii) Audit of the service branches, (viii) the Currency Chests, (ix)
Foreign Exchange Management Act (FEMA) Audit of the branches authorised to deal in foreign exchange,
etc.;
• To review the compliance report on the directives issued by the ACB/ the Board / the RBI;
• To report on the compliance of the regulatory requirements of the regulators in the host countries in respect
of the overseas branches;
• To review financial results for the quarter including management discussion, analysis of financial condition,
management letters/ letters of internal control weaknesses issued by the Statutory Auditors;
• To review information on violations by various functionaries in the exercise of discretionary powers;
• To report information in respect of equity shareholdings in borrower companies more than 30% of their paid
up capital;
• To review all fraud cases reported;
• To review transactions with related parties and prior approval to related party transactions and subsequent
modifications, if any, in related party transactions;
• To review (a) Risk Based Internal Audit Policy, (b) Concurrent Audit Policy and (c) IS Audit Policy;
• To review accounting policies/ systems of the Bank with a view to ensuring greater transparency in its
accounts and adequacy of accounting standards, to review any change during the year and their impact,
and a confirmation that accounting policies are in compliance with accounting standards and the RBI
guidelines;
• To review the adequacy of the internal audit function, including the structure of the internal audit department,
staffing and seniority of the official heading the department, reporting structure, coverage and frequency of
internal audit;
• To review the Bank's Internal Financial Controls;
• To review the Bank's Risk Management Systems;
• To appoint Statutory Auditors, to review and to monitor the auditor's independence, performance,
effectiveness of audit process both for domestic and overseas operations;
• To review annual accounts/ financial statements of the Bank and the Auditor's Report thereon before
submission to the Board for approval with particular reference to items (a) to (g) as indicated in Point A(4) of
Part C of Schedule II of the LODR regulations;
• To approve payment to Statutory Auditors for any other services rendered by the Statutory Auditors;
• To discuss with the Statutory Auditors before the audit commences about the nature and scope of audit as
well as post-audit discussion to ascertain any area of concern;
• To review penalties imposed/ penal action taken against the Bank under various laws and statutes and
action taken for corrective measures;
• To review report on revenue leakage detected by Internal/ External Auditors and status of recovery thereof
- reasons for undercharges and steps taken to prevent revenue leakage;
• To report on end-use of funds raised through offer documents and public issue funds (certified by the
Statutory Auditors) as well as (i) quarterly statement of deviation(s) including report of monitoring agency in

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terms of Regulations 32(1) and (ii) annual statement of funds utilised for purposes other than those stated in
the offer document in terms of Regulation 32(7) of the LODR Regulations;

• To review financial statements including particular investments made by the Unlisted Subsidiaries;

• To review First Time Non-Performing Assets (FTNPAs);

• To review dishonour of cheques amounting to ` 1 crore & above;

• To conduct annual review of the Concurrent Audit System;

• To conduct annual review of Outsourced Vendors' Audit;

• To review the functioning of Vigil Mechanism (formerly Whistle Blower Mechanism);

• To approve appointment of (i) Chief Financial Officer; (ii) Chief Internal Auditor and (iii) Chief Compliance
Officer;

• To oversee valuation of undertakings or assets of the listed entity wherever it is necessary;

• To review RBI circulars having impact on the Bank's accounts;

• To review annually the compliance of the provisions of the SEBI (Prohibition of Insider Trading) Regulations,
2015;

• To review the utilisation of loans and/ or advances from/ investment by the Bank in the subsidiary exceeding
` 100 crore or 10% of the asset size of the subsidiary, whichever is lower including existing loans/ advances/
investments;

• To consider and comment on the rationale, the cost-benefit and the impact of the schemes involving merger,
demerger, amalgamation etc., of the Bank and its shareholders;

• To review the staff accountability examination;

• To verify genuineness of title deeds & due diligence of loan/ security documents;

• To report performance of Off-Site Monitoring (OMS);

• To review the Secretarial Auditor’s Report on Compliances made by the Bank during the financial year under
the Companies Act, 2013, LODR Regulations, etc.;

• To comply with the observations made in inspection reports of the Central Depository Services Ltd. (CDSL),
National Securities Depository Ltd. (NSDL) and the Concurrent Audit Reports;

• To review findings of Investigative Audits (IAs)/ Special Investigative Audits (SIAs);

• To discuss with the rating agencies;

• To discuss with the Head – Internal Audit and the Chief Compliance Officer (CCO) without the presence of
the Management;
• To review Risk Rating Migration and the efficacy of Audit System; and

• To carry out any other role as may be mandated to it under the regulatory/ statutory guidelines from time-
to-time.

ii. Composition of the ACB

As on March 31, 2024, the ACB comprised six members, out of whom four members were Independent Directors,
viz. Shri Samaresh Parida, Independent Director as Chairman and Shri Manoj Sahay, GOI Nominee Director, Shri
Mukesh Kumar Gupta, LIC Nominee Director, Shri Sanjay G. Kallapur, Independent Director, Smt. P. V. Bharathi,
Independent Director and Shri Ajay Prakash Sawhney, Independent Director, as members.

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Corporate Governance Report

iii. Quorum for the ACB Meetings

The quorum for the ACB meetings shall be three members of the ACB out of which at least two-thirds shall be
Independent Directors. The ACB meeting shall be chaired by an Independent Director who shall not chair any
other Committee of the Board.

iv. Frequency of the ACB Meetings

The ACB shall meet at least four times in a year and not more than one hundred and twenty days shall intervene
between two consecutive ACB meetings.

v. Meetings of the ACB

During the period under review (April 1, 2023 to March 31, 2024), 14 meetings of the ACB were held on April 29,
2023; May 30, 2023; June 22, 2023; July 24, 2023; August 18, 2023; September 29, 2023; October 21, 2023;
November 29, 2023; December 27, 2023; January 20, 2024; February 22, 2024; February 27, 2024; March 26,
2024 and March 27, 2024.

B. EXECUTIVE COMMITTEE (EC)

i. Terms of Reference
• To sanction high value credit proposals with exposure of more than ` 250 crore;

• To modify terms and conditions of sanctions made by the Executive Committee (EC);

• To take on record the minutes of the Credit Committees;

• To sanction proposals for Negotiated/ One-Time Settlements (OTS);

• To sanction proposals with exposure of more than ` 5 crore to Directors (including the Chairman/ Managing
Director) of other banks and of ` 25 lakh and more to any firm in which any of the Directors of other banks
is interested as a partner or guarantor and any company in which any of the Directors of other banks holds
substantial interest or is interested as a Director or as a guarantor.

• To sanction proposals with exposure of more than ` 5 crore to:

- Any relative of the Chairman/ Managing Directors or other Directors of the Bank;
- Any relative of the Chairman/ Managing Director or other directors of other banks;

- Any firm in which any of the relatives as mentioned above is interested as a partner or guarantor; and

- Any company in which any of the relatives as mentioned above hold substantial interest or are
interested as a Director or as a guarantor;

• To report sanctions of securitisation portfolios;

• To review and report status of security creation in respect of the EC approved cases;

• To approve proposals for conversion of dues and receivables into investment instrument(s); and

• To carry out any other role as may be mandated to it under the regulatory/ statutory guidelines from time-
to-time.

ii. Composition of the EC

As on March 31, 2024, the EC comprised five members, of whom three members were Independent Directors,
viz. Shri Rakesh Sharma, MD & CEO as Chairman, and Shri Jayakumar S. Pillai, DMD, Shri Bhuwanchandra B.
Joshi, Independent Director, Shri N. Jambunathan, Independent Director and Shri Deepak Singhal, Independent
Director, as members.

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iii. Quorum for the EC Meetings

The quorum for the EC meetings shall be one-third of the total strength or two members of the EC, whichever is
higher.
iv. Frequency of the EC Meetings
The EC shall meet as per the need with at least four meetings in a year.
v. Meetings of the EC
During the period under review (April 1, 2023 to March 31, 2024), 25 meetings of the EC were held on April 17,
2023; April 28, 2023; May 16, 2023; May 30, 2023; June 13, 2023; June 26, 2023; July 05, 2023; July 11, 2023;
July 25, 2023; August 11, 2023; August 29, 2023; September 14, 2023; September 29, 2023; October 12, 2023;
October 30, 2023; November 15, 2023; November 29, 2023; December 14, 2023; December 28, 2023; January
16, 2024; January 29, 2024; February 13, 2024; March 01, 2024; March 16, 2024 and March 27, 2024.

C. STAKEHOLDERS’ RELATIONSHIP COMMITTEE (SRC)

i. Terms of Reference
The Stakeholders’ Relationship Committee (SRC) functions as per the terms of reference provided under Section
178 of the Companies Act, 2013 and Regulation 20 read with Part D of Schedule II of the LODR Regulations.
The broader roles and responsibilities of the SRC are as under:
• To resolve the grievances of the shareholders, the bondholders and other security holders, including
complaints relating to transmission of shares, non-receipt of Annual Report, non-receipt of declared
dividends, issue of new/ duplicate certificates, general meetings, etc.;
• To consider and review the equity servicing as well as the bonds servicing reports of the Bank in each of its
meetings and give directions, wherever deemed necessary, towards achieving the mandate as given above,
as follows:
- Review the report on equity servicing;
- Review the report on servicing of flexibonds;
- Review the reporting of reconciliation of Share Capital Audit Report;
- Review the reporting of details of investors complaints submitted to the stock exchanges;
- Review the measures taken for effective exercise of voting rights by the shareholders;
- Review the adherence to the service standards adopted by the Bank in respect of various services
being rendered by the Registrar & Share Transfer Agent;
- Review various measures and initiatives taken by the Bank for reducing the quantum of unclaimed
dividends and ensuring timely receipt of dividend warrants/ Annual Reports/ statutory notices by the
shareholders of the Bank; and
• To carry out any other role as may be mandated to it under the regulatory/ statutory guidelines from time-
to-time.
ii. Composition of the SRC
As on March 31, 2024, the SRC comprised three members out of whom two were Independent Directors,
viz. Shri Sanjay G. Kallapur, Independent Director as Chairman and Shri Jayakumar S. Pillai, DMD and Shri N.
Jambunathan, Independent Director, as members.
Smt. Jyothi Biju Nair, the Company Secretary of the Bank, also acts as the Compliance Officer under the LODR
Regulations.

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iii. Quorum for the SRC Meetings

The quorum for the SRC meetings shall be one-third of the total strength or two members of the SRC, whichever
is higher.
iv. Frequency of the SRC Meetings
The SRC meetings shall be held on quarterly basis.
v. Meetings of the SRC
During the period under review (April 1, 2023 to March 31, 2024), four meetings of the SRC were held on May 16,
2023; August 19, 2023; November 15, 2023 and February 13, 2024.
vi. Number of Requests/ Complaints (Equity & Bonds)

Number of shareholder/ bondholder complaints received in FY 2023-24 11,554

Number of complaints not solved to the satisfaction of shareholders/ bondholders Nil
Number of pending complaints Nil

D. FRAUDS MONITORING COMMITTEE (FMC)

i. Terms of Reference
The Frauds Monitoring Committee (FMC) has been constituted as a special committee for monitoring and following
up on fraud cases of ` 1 crore and above. It has been set up to detect, monitor and address frauds.
The broader roles and responsibilities of the FMC are as under:
• To identify the systemic lacunae, if any that facilitated perpetration of the fraud and put in place measures
to plug the same;
• To identify the reasons for delay in detection of fraud, if any, and in reporting to top management of the Bank
and the RBI;
• To monitor progress of the Central Bureau of Investigation (CBI)/ police investigation and the recovery
position;
• To ensure that staff accountability is examined at all levels in all cases of frauds and action, if required, is
completed quickly without loss of time;
• To review the efficacy of remedial actions taken to prevent recurrence of frauds, such as strengthening of
internal controls;
• To review the Red Flagged Accounts and the status of remedial action taken/ investigation ordered in the
outstanding Red Flagged Accounts;
• To take note of completion of staff accountability exercise in fraud cases and the action taken thereon;
• To review the status of recovery in fraud cases including recovery from cases being investigated by CBI,
police, etc.;
• To monitor the progress of the mitigating steps taken by the Bank in case of electronic frauds and the
efficacy of the same in containing fraud numbers and values; and
• To carry out any other role as may be mandated to it under the regulatory/ statutory guidelines from time-
to-time.

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ii. Composition of the FMC

As on March 31, 2024, the FMC comprised five members, out of whom three members were Independent Directors,
viz. Shri Rakesh Sharma, MD & CEO as Chairman and Shri Jayakumar S. Pillai, DMD, Shri Bhuwanchandra
B. Joshi, Independent Director, Shri Sanjay G. Kallapur, Independent Director and Shri Ajay Prakash Sawhney,
Independent Director, as members.
iii. Quorum for the FMC Meetings
The quorum for the FMC meetings shall be one-third of the total strength or two members of the FMC, whichever
is higher.
iv. Frequency of the FMC Meetings
The FMC is required to meet and review as and when a fraud involving an amount of ` 1 crore and above comes
to light.
v. Meetings of the FMC
During the period under review (April 1, 2023 to March 31, 2024), 12 meetings of the FMC were held on April 28,
2023; May 30, 2023; June 22, 2023; July 24, 2023; August 18, 2023; September 29, 2023; October 21, 2023;
November 29, 2023; December 27, 2023; January 20, 2024; February 27, 2024 and March 27, 2024.

E. RISK MANAGEMENT COMMITTEE (RMC)

i. Terms of Reference
The Risk Management Committee (RMC) has been constituted to assess various risks associated with the Bank’s
business, their mitigation, address the issues relating to asset liability mismatch and also monitor & review the Risk
Management Plan.
The broader roles and responsibilities of the RMC are as under:
• To evaluate the overall risks faced by the Bank, including liquidity risk and the potential interaction of liquidity
risk with other risks;
• To report projections of the cash flows and measure liquidity risk, assumptions used;
• To recommend policies, viz. Credit Policy, Recovery Policy, Risk Management Policy, Asset Liability Policy,
Operational Risk and Business Continuity Management (OR & BCM) Policy, Internal Capital Adequacy
Assessment Process (ICAAP) Policy, Market Risk & Derivative Policy, Country Risk Management Policy
& Country Risk Limits, Investment Policy, Disclosure Policy, Reputation Risk Assessment & Management
Policy, Group Risk and Management Policy, etc. to the Board;
• To review the progress report on Operational Risk & Business Continuity Management;
• To review the market risk report of the trading portfolio;
• To review the results of stress test;
• To review the activities undertaken in the Risk Management Department, Model Validation - Migration and
default analysis of Internal Ratings;
• To review asset liability management;
• To report minutes of Systems Product Approval & Review Committee (SPARC) I & II;
• To review policy on counterparty bank limits and allocation of limits for domestic & international banks;
• To review compliance of norms on credit exposure;
• To work in co-ordination with the Nomination & Remuneration Committee in order to achieve effective
alignment between remuneration and risks;

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• To formulate a detailed risk management policy which shall include:

- A framework for identification of internal and external risks specifically faced by the listed entity,
in particular including financial, operational, sectoral, sustainability (particularly, ESG-related risks),
information, cyber security risks or any other risk as may be determined by the Committee.

- Measures for risk mitigation including systems and processes for internal control of identified risks;
and

- Business Continuity Plan.

• To ensure that appropriate methodology, processes and systems are in place to monitor and evaluate risks
associated with the business of the Bank;

• To monitor and oversee implementation of the Risk Management Policy, including evaluating the adequacy
of risk management systems;

• To periodically review the Risk Management Policy, at least once in two years, including by considering the
changing industry dynamics and evolving complexity;

• To review the appointment, removal and terms of remuneration, if any, of the Chief Risk Officer;

• To conduct peer bank review;

• To conduct Mid-Term Review of ICAAP;

• To review Quarterly Report of the counterparty Bank Exposure Limits and Country Risk Exposure Limits;

• To analyse divergence between internal and external ratings;

• To review the risk management plan with respect to cyber security and monitor the implementation of the
measures to mitigate any risk arising therefrom;

• To review minutes of the Operational Risk Management Committee and the Credit Risk Management
Committee; and

• To carry out any other role as may be mandated to it under the regulatory/ statutory guidelines from time-
to-time.

ii. Composition of the RMC

As on March 31, 2024, the RMC comprised six members, of whom four members were Independent Directors, viz.
Smt. P. V. Bharathi, Independent Director as Chairperson, and Shri Rakesh Sharma, MD & CEO, Shri Jayakumar
S. Pillai, DMD, Shri Samaresh Parida, Independent Director, Shri Sanjay G. Kallapur, Independent Director and
Shri T. N. Manoharan, Independent Director, as members.

iii. Quorum for the RMC Meetings

At least half of the members attending the RMC meeting shall be Independent Directors, of which at least one
member shall have professional expertise/ qualification in risk management. The RMC shall be chaired by an
Independent Director who shall not chair the Board or any other Committee.
iv. Frequency of the RMC Meetings
The RMC meetings shall be held on quarterly basis.

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v. Meetings of the RMC

During the period under review (April 1, 2023 to March 31, 2024), five meetings of the RMC were held on June 13,
2023; August 29, 2023; December 18, 2023; March 14, 2024 and March 15, 2024.

F. CSR & ESG COMMITTEE

i. Terms of Reference
• To formulate and recommend Corporate Social Responsibility (CSR) Policy which shall indicate the activities
to be undertaken by the Bank in areas or subject, specified in Schedule VII of the Companies Act, 2013 to
the Board;
• To recommend the amount of expenditure to be incurred on the activities referred to in above clause;
• To monitor the CSR Policy of the Bank from time-to-time;
• To oversee all activities of the Bank relating to ESG and review the ESG Policy; and
• To carry out any other role as may be mandated to it under the regulatory/ statutory guidelines from time-
to-time.
ii. Composition of the CSR & ESG Committee
As on March 31, 2024, the CSR & ESG Committee comprised four members of whom two were Independent
Directors, viz. Shri Rakesh Sharma, MD & CEO as Chairman and Shri Jayakumar S. Pillai, DMD, Shri Samaresh
Parida, Independent Director and Smt. P. V. Bharathi, Independent Director, as members.
iii. Quorum for the CSR & ESG Committee Meetings
The quorum for the CSR & ESG Committee meetings shall be one-third of the total strength or two members,
whichever is higher.
iv. Frequency of the CSR & ESG Committee Meetings
The CSR & ESG Committee meetings shall be held on half-yearly basis.
v. Meetings of the CSR & ESG Committee
During the period under review (April 1, 2023 to March 31, 2024), three meetings of the CSR & ESG Committee
were held on April 28, 2023; August 18, 2023 and February 27, 2024.

G. CUSTOMER SERVICE COMMITTEE (CSC)

i. Terms of Reference
The Customer Service Committee (CSC) has been constituted to formulate policies and assess the compliance
thereof internally with a view to strengthening the governance structure for customer protection and service in the
Bank and also to bring about on-going improvements in the quality of customer service provided by the Bank.
The broader roles and responsibilities of the CSC are as under:
• To look into the customer grievances and effectively service customers in the retail banking segment;
• To formulate a Comprehensive Deposit Policy;
• To address issues such as the treatment of death of a depositor for operations of his/ her account;
• To examine conduct of annual survey of depositor satisfaction;
• To conduct triennial audit of customer services;
• To play a more proactive role with regard to the complaints/ grievances resolved by the Internal Ombudsman
of various states in India;

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• To take note of all the awards given by the Internal Ombudsman;

• To review all the awards remaining unimplemented for more than three months with the reasons thereof;
• To review the measures taken for customer protection & service in the Bank;
• To revise the Grievance Redressal Policy;
• To examine any other issues having a bearing on the quality of customer service rendered;
• To review the activities of Internal Ombudsman; and
• To carry out any other role as may be mandated to it under the regulatory/ statutory guidelines from time-
to-time.
ii. Composition of the CSC
As on March 31, 2024, the CSC comprised five members of whom two were Independent Directors, viz. Shri
Rakesh Sharma, MD & CEO as Chairman and Shri Jayakumar S. Pillai, DMD, Shri Raj Kumar, LIC Nominee
Director, Shri Bhuwanchandra B. Joshi, Independent Director and Shri Ajay Prakash Sawhney, Independent
Director, as members. Shri Pramod Kumar, Internal Ombudsman, is a permanent invitee.
iii. Quorum for the CSC Meetings
The quorum for the CSC meetings shall be one-third of the total strength or two members of the CSC, whichever
is higher.
iv. Frequency of the CSC Meetings
The CSC meetings shall be held on quarterly basis.
v. Meetings of the CSC
During the period under review (April 1, 2023 to March 31, 2024), four meetings of CSC were held on May 31,
2023; August 18, 2023; November 29, 2023 and February 28, 2024.

H. INFORMATION TECHNLOGY STRATEGY COMMITTEE (ITSC)

i. Terms of Reference
The Information Technology Strategy Committee (ITSC) has been constituted to put in place an effective
technology platform in the Bank. The objectives are to render various IT-enabled services to customers, to help
in streamlining the approach, to assist in launching new IT products & to provide related services and to monitor
the implementation of Cyber Security Management Plans & Cyber Security Policies. The roles and responsibilities
of the Committee are in line with the RBI guidelines on information security, electronic banking, technology risk
management and cyber frauds and include the following:
• To review IT strategy and policy documents;
• To ensure that Bank has put an effective IT strategic planning process in place;
• To guide in preparation of IT Strategy and ensure that the IT Strategy aligns with the overall strategy of the
Bank towards accomplishment of its business objectives;
• To satisfy itself that the IT Governance and Information Security Governance structure fosters accountability,
is effective and efficient, has adequate skilled resources, well-defined objectives and unambiguous
responsibilities for each level in the organisation;
• To ensure that the Bank has put in place processes for assessing and managing IT and cyber security risks;
• To ensure that the budgetary allocations for the IT function (including for IT security), cyber security are
commensurate with the Bank’s IT maturity, digital depth, threat environment and industry standards and are
utilised in a manner intended for meeting the stated objectives; and

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• To review, at least on annual basis, the adequacy and effectiveness of the Business Continuity Planning and
Disaster Recovery Management of the Bank.
The broader roles and responsibilities of the ITSC are as under:
• To recommend proposed IT budget to the Board;
• To review IT budget utilisation;
• To review the launch of various products and IT-enabled services for the Bank’s customers;
• To review development, procurement and operations of various software/ hardware either in-house or
purchased from outside and to formulate procedures for inviting tenders or other process for selection of
technology;
• To oversee the execution, implementation and operations of systems and procedures;
• To oversee integration of branches through technology and development of MIS for the Bank;
• To review update of technology architecture and major IT initiatives undertaken;
• To review information/ cyber security incidents;
• To review Information Security Policy;
• To review IT Policy;
• To assess cyber security preparedness;
• To monitor the implementation of Cyber Security Management Plans;
• To monitor Cyber Security Policies; and
• To carry out any other role as may be mandated to it under the regulatory/ statutory guidelines from time-
to-time.
ii. Composition of the ITSC
As on March 31, 2024, the ITSC comprised six members, of whom two members were Independent Directors, viz.
Shri N. Jambunathan, Independent Director as Chairman and Shri Rakesh Sharma, MD & CEO, Shri Jayakumar
S. Pillai, DMD, Shri Manoj Sahay, Government Nominee Director, Shri Raj Kumar, LIC Nominee Director and Shri
Ajay Prakash Sawhney, Independent Director, as members.
iii. Quorum for the ITSC Meetings
The quorum for the ITSC meetings shall be one-third of the total strength or two members of the ITSC, whichever
is higher.
iv. Frequency of the ITSC Meetings
The ITSC meetings shall be held on quarterly basis.
v. Meetings of the ITSC
During the period under review (April 1, 2023 to March 31, 2024), four meetings of the ITSC were held on June
13, 2023; September 14, 2023; December 14, 2023 and March 14, 2024.

I. NOMINATION & REMUNERATION COMMITTEE (NRC)

i. Terms of Reference
The broader roles and responsibilities of the Nomination & Remuneration Committee (NRC) are as under:
• To formulate the criteria for determining qualifications, positive attributes and independence of a Director and
recommend to the Board of Directors a policy relating to the remuneration of the Directors, Key Managerial
Personnel and other employees;

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• To specify the manner for effective evaluation of performance of the Board, its Committees and individual
Directors to be carried out either by the Board by the NRC or by an independent external agency and review
its implementation and compliance;
• To evaluate the balance of skills, knowledge and experience on the Board for every appointment of an
Independent Director and on the basis of such evaluation, prepare a description of the role and capabilities
required of an Independent Director. The person recommended to the Board for appointment as an
Independent Director shall have the capabilities identified in such description. For the purpose of identifying
suitable candidates, the NRC may:
- Use the services of an external agencies, if required;
- Consider candidates from a wide range of backgrounds, having due regard to diversity; and
- Consider the time commitments of the candidates.
• To formulate criteria for evaluation of performance of Independent Directors and the Board of Directors;
• To devise a policy on diversity of the Board of Directors;
• To identify persons who are qualified to become directors and who may be appointed in the senior
management in accordance with the criteria laid down and recommend to the Board of Directors their
appointment and removal;
• To undertake a process of due diligence to determine the suitability of any person for appointment/ continuing
to hold appointment as a Director on the Board, based upon qualification, expertise, track record, integrity,
‘fit and proper’ criteria, positive attributes and independence (if applicable) and on the basis of the report
of performance evaluation of directors, including Independent Directors and formulate the criteria relating
thereto;
• To formulate Remuneration/ Compensation Policy for the Directors, the KMPs, etc.;
• To recommend to the Board, all remuneration, in whatever form, payable to the senior management;
• To work in co-ordination with the Risk Management Committee in order to achieve effective alignment
between remuneration and risks; and
• To carry out any other role as may be mandated to it under the regulatory/ statutory guidelines from time-
to-time.
ii. Composition of the NRC
As on March 31, 2024, the NRC comprised seven members, all of whom are Non-Executive Directors including
five Independent Directors, viz. Shri Deepak Singhal, Independent Director as Chairman, and Shri Sushil Kumar
Singh, Government Nominee Director, Shri Mukesh Kumar Gupta, LIC Nominee Director, Shri Bhuwanchandra
B. Joshi, Independent Director, Shri N. Jambunathan, Independent Director; Shri T. N. Manoharan, Independent
Director and Smt. P.V. Bharathi, Independent Director, as members.
iii. Quorum for the NRC Meetings
The quorum for the NRC meetings shall be three members, of which at least half the members attending the NRC
meetings shall be Independent Directors and one shall be a member of the RMC. The Chairman of the NRC shall
be an Independent Director who shall not chair the Board.
iv. Frequency of the NRC Meetings
The NRC shall meet at least once in a year.
v. Meetings of the NRC
During the period under review (April 1, 2023 to March 31, 2024), six meetings of NRC were held on April 28,
2023; May 30, 2023; August 18, 2023; November 30, 2023; December 26, 2023 and February 28, 2024.

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vi. Performance Evaluation Criteria for Independent Directors

The performance evaluation of all the Directors, including Independent Directors, is done on the basis of the
questionnaires prepared as approved by the NRC, which covers the Corporate Governance parameters such as
Board attendance, participation during the meeting, the level of Directors’ contribution, the quality of knowledge
and familiarity with the subject, the level of transparency, etc. The questionnaire is circulated in advance to the
Directors to consider and form their opinion about the evaluations. The performance evaluation of Independent
Directors is being done by the entire Board of Directors, excluding the Director being evaluated. The evaluation
includes performance of the Directors on above parameters and fulfillment of the independence criteria. Further,
on the basis of results of evaluation, extension of the term of an Independent Director is considered.

J. HR STEERING COMMITTEE (HRSC)

i. Terms of Reference
The HR Steering Committee (HRSC) has been constituted to deal with the matters relating to human resources
and to discuss critical issues in HR.
The broader roles and responsibilities of the HRSC are as under:
• To make policies pertaining to recruitment and training;
• To review the performance management, compensation and career development initiatives;
• To consider management planning, development and succession planning;
• To align the HR strategy to the business strategy and plan;
• To consider and approve various other HR matters, including appointment of personnel, manpower
assessment, promotions etc.; and
• To carry out any other role as may be mandated to it under the regulatory/ statutory guidelines from time-
to-time.
ii. Composition of the HRSC
As on March 31, 2024, the HRSC comprised six members, out of whom two members were Independent
Directors, viz. Shri Rakesh Sharma, MD & CEO as Chairman and Shri Jayakumar S. Pillai, DMD, Shri Sushil Kumar
Singh, Government Nominee Director, Shri Mukesh Kumar Gupta, LIC Nominee Director, Shri Deepak Singhal,
Independent Director and Shri T. N. Manoharan, Independent Director, as members.
iii. Quorum for the HRSC Meetings
The quorum for the HRSC meetings shall be one-third of the total strength or two members of the HRSC,
whichever is higher.
iv. Frequency of the HRSC Meetings
The HRSC shall meet as per the need.
v. Meetings of the HRSC
During the period under review (April 1, 2023 to March 31, 2024), five meetings of the HRSC were held on May
31, 2023; August 11, 2023; September 30, 2023; December 27, 2023 and March 27, 2024.

K. RECOVERY REVIEW COMMITTEE (RRC)

i. Terms of Reference
According to the Government of India directives/ the Board’s recommendation, the Recovery Review Committee
(RRC) has been constituted for reviewing recovery from Non-Performing Assets (NPAs), Stressed Accounts,
Written-off cases, Official Liquidator (OL) cases, Debt Recovery Tribunal (DRT) cases, etc. and to monitor the
progress of recovery and so on.

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The broader roles and responsibilities of the RRC are as under:

• To review First Time NPAs (FTNPAs) and NPAs;
• To review top 100 NPAs & Technically Written-off (TWO) accounts;
• To review Suit Filed Cases;
• To review action under SARFAESI Act-Status Report;
• To review cases referred under Insolvency & Bankruptcy Code (IBC), 2016;
• To review amount lying with Official Liquidator (OL);
• To review Special Mention Accounts (SMA);
• To review progress of Wilful Defaulters & Non-Cooperative Borrowers;
• To report compromise settlements; and
• To carry out any other role as may be mandated to it under the regulatory/ statutory guidelines from time-
to-time.
ii. Composition of the RRC
As on March 31, 2024, the RRC comprised five members, out of whom two members were Independent
Directors, viz. Shri Rakesh Sharma, MD & CEO as Chairman and Shri Jayakumar S. Pillai, DMD, Shri Raj Kumar,
LIC Nominee Director, Shri Samaresh Parida, Independent Director and Smt. P. V. Bharathi, Independent Director,
as members.
iii. Quorum for the RRC Meetings
The quorum for the RRC meetings shall be one-third of the total strength or two members of the RRC, whichever
is higher.
iv. Frequency of the RRC Meetings
The RRC shall meet as per the need with at least four meetings in a year.
v. Meetings of the RRC
During the period under review (April 1, 2023 to March 31, 2024), four meetings of the RRC were held on June
22, 2023; September 30, 2023; December 27, 2023 and March 28, 2024.

L. NON-COOPERATIVE BORROWERS’ REVIEW COMMITTEE (NCBRC)

i. Terms of Reference
The broader roles and responsibilities of the Non-Cooperative Borrowers’ Review Committee (NCBRC) are:
• To review the internal Non-Cooperative Borrowers’ Committee’s orders/ decisions of classifying a borrower
as non-cooperative borrower; and
• To carry out any other role as may be mandated to it under the regulatory/ statutory guidelines from time-
to-time.
ii. Composition of the NCBRC
The NCBRC was constituted comprising MD & CEO and two Independent Directors. As on March 31, 2024,
the NCBRC comprised Shri Rakesh Sharma, MD & CEO as Chairman, and Shri Deepak Singhal, Independent
Director and Shri Sanjay G. Kallapur, Independent Director, as members.
iii. Quorum for the NCBRC Meetings
The presence of all members shall form the quorum for the NCBRC Meetings.

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iv. Frequency of the NCBRC Meetings

The NCBRC is required to meet and review on a half-yearly basis the status of non-cooperative borrowers.
v. Meetings of the NCBRC
During the period under review (April 1, 2023 to March 31, 2024), two meetings of the NCBRC were held on
August 19, 2023 and February 13, 2024.

M. WILFUL DEFAULTERS REVIEW COMMITTEE (WDRC)

i. Terms of Reference
The broader roles and responsibilities of the Wilful Defaulters Review Committee (WDRC) are:
• To review the internal Wilful Defaulters Committee’s orders/ decisions of classifying a borrower as wilful
defaulter; and
• To carry out any other role as may be mandated to it under the regulatory/ statutory guidelines from time-
to-time.
ii. Composition of the WDRC
The WDRC was constituted consisting of MD & CEO and two Independent Directors. As on March 31, 2024,
the WDRC comprised Shri Rakesh Sharma, MD & CEO as Chairman and Shri Samaresh Parida and Smt. P.V.
Bharathi, Independent Directors, as members.
iii. Quorum for the WDRC Meetings
The presence of all members shall form the quorum for the WDRC meetings.
iv. Frequency of the WDRC Meetings
The WDRC is required to meet and review as and when the decision to classify a borrower as ‘Wilful Defaulter’ is
taken by internal Wilful Defaulters Committee of the Bank.
v. Meetings of the WDRC
During the period under review (April 1, 2023 to March 31, 2024), five meetings of the WDRC were held on May
31, 2023; August 11, 2023; October 12, 2023; December 18, 2023 and March 15, 2024.
Details of attendance of Directors for the Committee Meetings of the Bank for the FY 2023-24 are given at
Table 2.

INDEPENDENT DIRECTORS’ MEETING (IDM)

i. Terms of Reference
The Independent Directors’ shall comply with the provisions of Companies Act, 2013 read with Schedule IV of the
Companies Act, 2013, Regulation 25 of the LODR Regulations and Secretarial Standards-1 on Meetings of the Board
of Directors issued by the Institute of Company Secretaries of India.
The broader roles and responsibilities of the Independent Directors’ Meeting are:
• To review the performance of Non-Independent Directors and the Board as a whole;
• To review the performance of the Chairperson of the Bank, taking into account the views of Executive Directors
and Non-Executive Directors;
• To assess the quality, quantity and timeliness of flow of information between the Bank’s management and the
Board which is necessary for the Board to effectively and reasonably perform their duties; and
• To carry out any other role as may be mandated to it under the regulatory/ statutory guidelines from time-to-time.

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ii. Composition of the IDM

As on March 31, 2024, there were eight Independent Directors on the Board of the Bank, viz. Shri Bhuwanchandra B.
Joshi, Shri Samaresh Parida, Shri N. Jambunathan, Shri Deepak Singhal, Shri Sanjay G. Kallapur, Smt. P. V. Bharathi,
Shri T. N. Manoharan and Shri Ajay Prakash Sawhney. The Independent Directors elect one of themselves as the
Chairperson at every meeting.
iii. Quorum for the IDM
As per Schedule IV of the Companies Act, 2013, all Independent Directors shall strive to be present at the Independent
Directors’ meetings.
iv. Frequency of the IDM
Independent Directors’ meetings should be held at least once in a financial year.
v. Meetings of Independent Directors
During the period under review (April 1, 2023 to March 31, 2024), four meetings of Independent Directors were held on
May 25, 2023; September 30, 2023; November 30, 2023 and March 28, 2024.

Table 2: Attendance of Directors at Committee Meetings for the FY 2023-24

SN Names of Directors ACB EC SRC FMC RMC CSR & ESG CSC ITSC NRC HRSC RRC NCBRC WDRC

H A H A H A H A H A H A H A H A H A H A H A H A H A

1. Shri T.N. Manoharan

0 0 0 0 0 0 5 4 5 5 0 0 0 0 0 0 6 5 5 5 0 0 0 0 0 0
(DIN:01186248)

2. Shri Rakesh Sharma

0 0 25 25 0 0 12 12 5 5 3 3 4 4 4 4 0 0 5 5 4 4 2 2 5 5
(DIN:06846594)

3. Shri Suresh Khatanhar

(DIN:03022106) 0 0 19 18 3 3 9 9 3 3 2 2 3 3 3 3 0 0 4 3 3 3 0 0 0 0
(upto 14-01-24)

4. Shri Jayakumar S. Pillai

(DIN:10041362) 0 0 21 21 3 3 10 10 5 5 2 2 3 3 4 4 0 0 4 4 4 4 0 0 0 0
(w.e.f. 12-06-23)

5. Shri Mukesh Kumar Gupta

14 13 0 0 0 0 0 0 0 0 0 0 0 0 0 0 6 5 5 5 0 0 0 0 0 0
(DIN:06638754)

6. Shri Raj Kumar

0 0 0 0 0 0 0 0 0 0 0 0 3 3 4 4 0 0 0 0 4 4 0 0 0 0
(DIN:06627311)

7. Shri Manoj Sahay

14 8 0 0 0 0 0 0 0 0 0 0 0 0 4 0 0 0 0 0 0 0 0 0 0 0
(DIN:08711612)

8. Shri Sushil Kumar Singh

0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 6 1 5 2 0 0 0 0 0 0
(DIN:09584577)

9. Shri Gyan Prakash Joshi

(DIN:00603925) 5 5 0 0 0 0 5 5 0 0 0 0 2 2 1 1 3 3 0 0 0 0 0 0 0 0
(upto 27-08-23)

10. Shri Bhuwanchandra B. Joshi

0 0 25 25 0 0 12 12 0 0 0 0 4 4 0 0 6 6 0 0 0 0 0 0 0 0
(DIN:06713850)

11. Shri Samaresh Parida

14 14 0 0 0 0 0 0 5 5 3 3 0 0 0 0 0 0 0 0 4 4 0 0 5 5
(DIN:01853823)

12. Shri N. Jambunathan

0 0 25 25 4 4 0 0 0 0 0 0 0 0 4 4 6 6 0 0 0 0 0 0 0 0
(DIN:05126421)

13. Shri Deepak Singhal

0 0 25 25 0 0 0 0 0 0 0 0 0 0 0 0 6 6 5 5 0 0 2 2 0 0
(DIN:08375146)

14. Shri Sanjay G. Kallapur

14 14 0 0 4 4 12 11 5 5 0 0 0 0 0 0 0 0 0 0 0 0 2 2 0 0
(DIN:08377808)

15. Smt. P. V. Bharathi

14 13 0 0 0 0 0 0 5 5 3 3 0 0 0 0 1 1 0 0 4 3 0 0 5 5
(DIN:06519925)

16. Shri Ajay Prakash Sawhney

(DIN: 03359323) 9 9 0 0 0 0 7 7 0 0 0 0 2 2 3 3 0 0 0 0 0 0 0 0 0 0
(w.e.f. 28-08-23)

(H= Held/A=Attended)

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MATRIX SETTING OUT SKILLS/ EXPERTISE/ COMPETENCE OF THE BOARD

OF DIRECTORS AS ON MARCH 31, 2024 AND NAMES OF THE DIRECTORS WHO
POSSESS SUCH SKILL ARE MENTIONED IN THE TABLE BELOW:
Accoun- Agricul- Banking Co- Economics Finance Law Small- HR Risk IT Payment Business Admini- Corporate
tancy ture and operation scale and Manage- stration governance
Rural industry Settle- ment
Economy ment

Shri T.N. Manoharan √ √ √ √ √ √ √ √ √ √ √

Shri Rakesh Sharma √ √ √ √ √ √ √ √ √ √

Shri Jayakumar S. Pillai √ √ √ √ √ √ √ √ √ √ √

Shri Mukesh Kumar Gupta √ √ √ √ √ √ √ √

Shri Raj Kumar √ √ √ √

Shri Manoj Sahay √ √ √ √

Shri Sushil Kumar Singh √ √ √ √ √

Shri Bhuwanchandra B. √ √ √ √ √
Joshi

Shri Samaresh Parida √ √ √ √ √ √ √

Shri N. Jambunathan √ √ √ √ √ √ √

Shri Deepak Singhal √ √ √ √ √ √

Shri Sanjay G. Kallapur √ √ √ √ √ √

Smt. P. V. Bharathi √ √ √ √ √ √ √

Shri Ajay Prakash Sawhney √ √ √ √ √

ANNUAL RETURN
Pursuant to Section 134(3)(a) and Section 92(3) of the Companies Act, 2013 read with Rule 12(1) of the Companies
(Management and Administration) Rules, 2014, the Annual Return of the Bank is disclosed on its website at
https://www.idbibank.in/secretarial-disclosures.aspx

STATEMENT ON DECLARATION GIVEN BY INDEPENDENT DIRECTORS

In terms of Section 149(7) of the Companies Act, 2013, Shri Bhuwanchandra B. Joshi, Shri Samaresh Parida, Shri
N. Jambunathan, Shri Deepak Singhal, Shri Sanjay G. Kallapur, Smt. P. V. Bharathi, Shri T. N. Manoharan and Shri
Ajay Prakash Sawhney, Independent Directors of the Bank have given declaration on April 01, 2024, that they meet
the criteria of Independence as provided under Section 149(6) of the Companies Act, 2013, Regulations 16(1)
(b) & 17(10) of the LODR Regulations and RBI guidelines and that they are not aware of any circumstance or situation,
which exist or may be reasonably anticipated that could impair or impact their ability to discharge their duties with an
objective independent judgment and without any external influence. The Directors, along with the annual disclosures,
also provided a confirmation stating that they have complied with the provisions of Sub-rule 1 and 2 of Rule 6 of the
Companies (Appointment & Qualification of Directors) Fifth Amendment Rules, 2019 regarding registration & renewal in the
Independent Directors Databank and passed/ exempted from the online proficiency test thereof. The same was
noted by the Board of Directors on May 04, 2024 and after undertaking due assessment of the veracity of the same,
the Board was of the opinion that the Independent Directors fulfill the conditions specified in these regulations and
are independent of the Management. Further, in the opinion of the Board, the Independent Directors possess the
requisite integrity, experience, expertise and proficiency required under all applicable laws and the policies of the
Bank.

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COMPANY’S POLICY ON DIRECTORS’ APPOINTMENT AND REMUNERATION

The Bank’s Policy on Directors’ Appointment & Evaluation as well as the Compensation Policy of the Bank is available on its
website (www.idbibank.in) under the link https://www.idbibank.in/secretarial-disclosures.aspx

COMPANY’S DIVIDEND DISTRIBUTION POLICY

The Bank’s Policy on Dividend Distribution is available on its website (www.idbibank.in) under the link
https://www.idbibank.in/secretarial-disclosures.aspx

COMPLIANCE WITH SECRETARIAL STANDARDS

The Bank has adopted the Secretarial Standards namely SS-1 (Secretarial Standard on Board Meetings) and SS-2 (Secretarial
Standards on General Meetings) issued by the Institute of Company Secretaries of India (ICSI) and notified under the Companies
Act, 2013. The Bank has conducted its Board, Committee and General Meetings in accordance with these standards and is
in compliance with the same.

INTERNAL AUDITOR
The Bank has an in-house Internal Audit Department which carries out the Internal Audit functions. Shri Badri Srinivasa Rao,
Executive Director, IDBI Bank Ltd., was designated as Head of Internal Audit in terms of Section 138 of the Companies Act,
2013. In line with the RBI's guidelines on Risk Based Internal Audit (RBIA), the Bank has also adopted a robust Internal Audit
Policy.

DISCLOSURE ON CORPORATE INSOLVENCY RESOLUTION PROCESS INITIATED

UNDER THE INSOLVENCY & BANKRUPTCY CODE, 2016 (IBC)
These provisions are not applicable for banking companies.

BOARD’S COMMENTS ON EVERY QUALIFICATION, RESERVATION OR ADVERSE

REMARK OR DISCLAIMER MADE BY THE AUDITORS OR SECRETARIAL AUDITORS
IN THEIR REPORT
There are no qualifications, reservation or adverse remarks or disclaimers either in the Statutory Auditors’ Report or in the
Secretarial Auditors’ Report which require the Board’s comments thereon in terms of Section 134(3)(f) of the Companies Act,
2013.
Further, pursuant to Section 143(12) of the Companies Act, 2013, the Statutory Auditors of the Bank have not reported any
instances of frauds other than those which are reportable to the Central Government.

PARTICULARS OF LOANS, GUARANTEES OR INVESTMENTS UNDER SECTION 186

OF THE COMPANIES ACT, 2013
The provisions of Section 186 of the Companies Act, 2013, except sub-section (1), do not apply to a loan made, guarantee
given or security provided by a banking company in the ordinary course of business. The particulars of investments made by
the Bank are disclosed in Schedule 8 of the financial statements as per the applicable provisions of the Banking Regulation
Act, 1949.

PARTICULARS OF CONTRACTS OR ARRANGEMENTS WITH RELATED PARTIES IN

THE PRESCRIBED FORM
In terms of Section 134(3)(h) of the Companies Act, 2013 read with Rule 8 of the Companies (Accounts) Rules, 2014, the
particulars of contracts or arrangements, if any, with Related Parties are given in the prescribed Form AOC-2 which is annexed
to the report as Annexure-A.

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REPORT ON CORPORATE SOCIAL RESPONSIBILTY

The CSR Policy framework of the Bank is available on its website (www.idbibank.in) under the link
https://www.idbibank.in/corporate-social-responsibility.aspx The Annual Report on the CSR activities undertaken by the Bank
is annexed to the Report as Annexure-B.

RISK MANAGEMENT POLICY

The Bank follows a detailed and comprehensive risk management system which is constantly updated based on the RBI’s
regulatory guidelines issued in this regard from time-to-time. A dedicated Risk Management Committee of the Board regularly
reviews comprehensively the risk matters and risk-related aspects of the Bank. The Board of Directors of the Bank also
periodically reviews the risk assessment and minimisation procedures followed in the Bank as well as the capital requirements
of the Bank.

STATEMENT INDICATING THE MANNER OF FORMAL ANNUAL EVALUATION OF

BOARD, ITS COMMITTEES AND INDIVIDUAL DIRECTORS
In terms of Section 134(3)(p) of the Companies Act, 2013 read with Rule 8(4) of the Companies (Accounts) Rules, 2014, the
details on the captioned matter are furnished herein below:
(i) Independent Directors’ at their meeting held on March 28, 2024 evaluated the performance of all Non-Independent
Directors, the Chairman of the Board as well as the performance of the Board as a whole.
(ii) The Board, at its meeting held on March 28, 2024, evaluated the performance of all the Directors on the Board including
the Independent Directors, its own performance as well as the performance of Committees of the Board. The evaluation
of all the Individual Directors was done by the entire Board, which apart from Corporate Governance parameters, also
included evaluation of Independent Directors on (a) review of their performance in meetings and (b) fulfillment of the
independence criteria as specified in the Companies Act, 2013 and LODR Regulations and their independence from
the Management. The Director concerned being evaluated by the Board did not participate in the meeting during the
process of his/ her own evaluation.
For the purpose of the annual evaluation by Independent Directors and the Board, blank evaluation sheets in respect
of individual Directors, Board Committees and the Board were circulated in advance to individual Directors through
e-mails to enable the Directors to form their opinion in advance and help finalise the evaluation process at the respective
meetings. The Chairman of Independent Directors’ meeting and Chairman of the Board authorised by the Board, signed
the evaluation sheets on behalf of Independent Directors’ and the Board respectively after finalisation of the evaluation.
The MD & CEO was authorised to sign the evaluation sheet of Chairman of the Board.

CHANGE IN THE NATURE OF BUSINESS, IF ANY

During the period under review, the Bank continued to carry on the business of banking and there was no change in the nature
of its business.

CHANGE IN DIRECTORS/ KEY MANAGERIAL PERSONNEL

Name of Director Designation Nature of Change Date
Smt. Smita Harish Kuber Chief Financial Officer Appointment 01-04-2023
Shri Samuel Joseph Jebaraj Dy. Managing Director Cessation 05-04-2023
Shri Jayakumar S. Pillai Dy. Managing Director Appointment 12-06-2023
Shri Gyan Prakash Joshi Independent Director Cessation 27-08-2023
Shri Ajay Prakash Sawhney Additional Director Appointment 28-08-2023
Shri Ajay Prakash Sawhney Independent Director Change in Designation 19-11-2023
Shri Suresh Khatanhar Dy. Managing Director Cessation 14-01-2024

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PARTICULARS OF SENIOR MANAGEMENT PERSONNEL

Senior Management shall comprise personnel one level below the Chief Executive Officer or Managing Director or Whole Time
Director and shall specifically include the functional heads and the Company Secretary and the Chief Financial Officer. Senior
Management Personnel of the Bank as on March 31, 2024 are:

1 Shri Shailendra Govind Nadkarni Executive Director – Large Corporate Group (LCG), International Banking
Unit (IBU) - Gujarat International Finance Tec-City (GIFT City) & Support
Services - Corporate Banking
2 Shri Nagaraj Garla Executive Director – Priority Sector Group (PSG) (Agriculture & MSE),
Financial Inclusion, Credit Processing Centre
3 Smt. Baljinder Kaur Mandal Executive Director - Centralised Operations, Cash Management Services
(CMS) & Government Business Group (GBG) Operations, Currency Chest,
Branch Operations Support & Policy Department (BOSPD), Corporate
Strategy & Planning Department (CSPD)
4 Shri Shalil Mukund Awale Executive Director & Chief Compliance Officer
5 Shri Sunit Sarkar Executive Director – Credit Monitoring Group (CMG (Retail, PSG &
Corporate)), Retail Recovery & Collections
6 Shri Murali Sourirajan Executive Director - Legal & NPA Management Group
7 Shri Iswar Padhan Executive Director – Mid Corporate Group (MCG), Trade Finance, CMS &
GBG (Sales)
8 Shri Trilok Sharma Executive Director - Retail Liabilities, Third Party Distribution (TPD), Digital
Banking Department (DBD) & Branch Banking
9 Shri Arun Kumar Bansal Executive Director & Head - Treasury Front Office
10 Dr. Kumar Neel Lohit Executive Director - Retail Assets
11 Shri Badri Srinivasa Rao Executive Director - Audit & Internal Auditor
12 Shri Anirudha Behera Executive Director & Chief Risk Officer
13 Shri Ugen Tashi Executive Director – Human Resource (HR), Learning & Employee
Engagement Department (L & ED), Administration & Infrastructure
Management Department (IMD)
14 Shri Ajay Ramesh Lande Executive Director & Head – Information Technology (IT)
15 Smt. Smita Harish Kuber Executive Director & Chief Financial Officer
16 Smt. Jyothi Biju Nair Company Secretary

CHANGE IN SENIOR MANAGEMENT PERSONNELS

Name Designation Nature of Change Date
Shri Badri Srinivas Rao Executive Director - Audit & Appointment 08-05-2023
Internal Auditor
Shri Jorty Chacko Executive Director Cessation 31-07-2023
Shri Sanjay Deshpande Executive Director Cessation 31-07-2023
Dr. Sourav Kumar Dutta Executive Director - IT Resignation 31-07-2023
Shri Ajay Ramesh Lande Executive Director & Head - IT Appointment 18-03-2024
Shri Sanjay Panicker Executive Director – CSPD, Appointment 06-05-2024
Administration and FIMD

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REMUNERATION OF DIRECTORS
IDBI Bank, being a Private Sector Bank with effect from January 21, 2019, the remuneration and perquisites of the MD &
CEO and DMD is approved by the RBI as per Section 35B of the Banking Regulation Act, 1949. The details of remuneration
as approved by the RBI and paid to MD & CEO and DMDs are given in the table below. There have been no pecuniary
relationships/ transactions of Non-Executive Directors vis-à-vis the Bank during the period under review.

Elements of Remuneration of MD & CEO and DMDs for FY 2023-24 (Annual)

Particulars Shri Rakesh Shri Suresh Shri Jayakumar

Sharma Khatanhar^ S. Pillai (DMD)
(MD & CEO) (DMD)

[Amount in `]

Salary 1,17,00,000 68,75,000 65,25,000

Provident Fund 11,70,000 6,87,500 6,52,500

Gratuity 4,87,500 2,86,458 2,71,875

Leave Fare Concession / Allowance 2,85,554 2,17,343 1,65,608

Entertainment Expenses 2,75,000 1,50,000 1,25,000

Perquisites* 25,40,065 13,10,065 13,10,065

^- Shri Suresh Khatanhar ceased to be DMD of IDBI Bank Limited with effect from January 14, 2024 on completion of his term
as approved by the RBI.
*- Perquisites includes provision of free furnished house & its maintenance, car, medical expenses and any other perquisites;
- The Variable Pay of the WTDs for FY 2023-24 will be proposed and approved on the basis of their performance assessment
for the period.
- No ESOPs were granted in the FY 2023-24.

Tenure Shri Rakesh Sharma – Shri Rakesh Sharma was appointed as MD & CEO of the Bank for a period of three
years with effect from March 19, 2019 as per the RBI approval dated March 7, 2019. On the conclusion of
the term, Shri Rakesh Sharma was subsequently reappointed as MD & CEO for a period of three years with
effect from March 19, 2022 as per RBI approval dated February 15, 2022. The shareholder’s approval was
obtained by postal ballot on May 05, 2022.
Shri Jayakumar S. Pillai - Shri Jayakumar S. Pillai was appointed as DMD by the Board on May 22, 2023
for a period of three years with effect from the date of taking over the charge of the post as per RBI letter
dated May 19, 2023. Shri Jayakumar S. Pillai took charge on June 12, 2023. The shareholder’s approval was
obtained at 19th AGM held on July 13, 2023.

Criteria for making payments to Non-Executive Directors:

All the Non-Executive Directors, except the Government Nominee Directors, are only paid sitting fees. The rate of sitting fees
for Board was ` 80,000/- per meeting and ` 50,000/- per meeting for all Board Committee meetings upto December 31, 2023.
The sitting fees with effect from January 01, 2024 has been revised to ` 1,00,000/- per Board meeting and ` 60,000/- per
meeting for all Board Committee meetings. Apart from the remuneration to MD & CEO and DMDs and the sitting fees to the
Non-Executive Directors, no other remuneration was paid to the Directors, except the expenditure upon their travel, stay and
transport incurred by the Bank.

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Aggregate amount of sitting fees paid to Non-Executive Directors including Independent Directors for
FY 2023-24 is as detailed below:
Name of the Non-Executive Director Sitting fees paid for
FY 2023-24 (`)
Shri T. N. Manoharan, Independent Director & part-time Chairman 22,50,000
Shri Mukesh Kumar Gupta, LIC Nominee Director 21,20,000
Shri Raj Kumar, LIC Nominee Director 16,80,000
Shri Gyan Prakash Joshi, Independent Director (upto 27-08-2023) 12,50,000
Shri Bhuwanchandra B. Joshi, Independent Director 37,70,000
Shri Samaresh Parida, Independent Director 29,60,000
Shri N. Jambunathan, Independent Director 33,50,000
Shri Deepak Singhal, Independent Director 33,00,000
Shri Sanjay G. Kallapur, Independent Director 32,30,000
Smt. P. V. Bharathi, Independent Director 27,90,000
Shri Ajay Prakash Sawhney, Independent Director (w.e.f. 28-08-2023) 20,10,000

DISCLOSURE UNDER RULE 5 OF THE COMPANIES (APPOINTMENT AND

REMUNERATION OF MANAGERIAL PERSONNEL) RULES, 2014
The appointment and remuneration of the MD & CEO and the DMDs is approved by the RBI under Section 35B of the
Banking Regulation Act, 1949 after the same is recommended by the Nomination & Remuneration Committee and the Board.
Other Directors on the Board do not get any remuneration except the sitting fees for attending meetings as mentioned in the
paragraph on criteria for making payments to Non-Executive Directors. The other employees of the Bank, including the Key
Managerial Personnel (KMPs), i.e. Chief Financial Officer and the Company Secretary, get remuneration as applicable to the
officials in the similar grades of the Bank. Periodical revision in the pay scales of employees, including the KMPs, does have
relationship with many factors, including the Bank’s performance.
As per the RBI Circular dated November 4, 2019, variable pay shall be applicable to Whole-time Directors (WTDs), Material Risk
Takers and Control Function staff of the Bank. The remuneration payable to WTDs is as mentioned in the paragraph Elements
of Remuneration of MD & CEO and DMDs for FY 2023-24. A Compensation Policy covering all aspects of compensation, viz.
Fixed Pay & Perquisites, Variable Pay (Cash & Shares linked), Superannuation/ Retirement Benefits (Provident Fund, Pension/
National Pension Scheme (NPS) & Gratuity) etc. has been formulated taking into account the RBI Guidelines for Material Risk
Takers, Control Function Staff and other employees of the Bank. The RBI guidelines mandate deferral of Variable Pay, which
has been incorporated in the Compensation Policy of the Bank. Variable pay for FY 2022-23 was paid to all eligible employees
after the completion of performance appraisal for FY 2022-23 as per the Compensation Policy.
The details in terms of Section 197(12) of the Companies Act, 2013, read with Rule 5(1) of the Companies (Appointment &
Remuneration of Managerial Personnel) Rules, 2014, are given below:
The number of regular employees on the rolls of the Bank; 19,013 (out of which 1,966 employees were on contract
basis)
The ratio of the remuneration of each Director to the median Name of the Executive Director Ratio of
remuneration of the employees of the Bank. remuneration to
the median of
all employees
Shri Rakesh Sharma, MD & CEO 12.14
Shri Samuel Joseph Jebaraj, DMD* 2.95
Shri Suresh Khatanhar, DMD* 7.26
Shri Jayakumar S. Pillai, DMD* 3.61
*Shri Samuel Joseph Jebaraj & Shri Suresh
Khatanhar ceased to be DMD with effect from April
5, 2023 and January 14, 2024, respectively. Further,
Shri Jayakumar S. Pillai, DMD, was appointed with effect
from June 12, 2023.

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The percentage increase in remuneration of each Director, Designation Percentage Increase

Chief Financial Officer, Chief Executive Officer, Company MD & CEO 29.39
Secretary or Manager, if any, in the financial year; DMDs* 28.84
CFO 3.19
CS 17.04
*Shri Samuel Joseph Jebaraj & Shri Suresh Khatanhar ceased
to be DMD with effect from April 5, 2023 and January 14, 2024,
respectively. Further, Shri Jayakumar S. Pillai, DMD, was appointed
with effect from June 12, 2023.
The percentage increase in the median remuneration of 12.58%
employees in the financial year;
Average percentile increase already made in the salaries of Average remuneration increase for non-managerial personnel
employees other than the managerial personnel in the last of the Bank during FY 2023-24 was 9.60% and the average
financial year and its comparison with the percentile increase remuneration increase for the managerial personnel of the
in the managerial remuneration and justification thereof and Bank was 25.21%.
point out if there are any exceptional circumstances for
increase in the managerial remuneration;
Affirmation that the remuneration is as per the remuneration Yes
policy of the Bank.

GENERAL BODY MEETINGS

A. The last three Annual General Meetings (AGMs) of the Bank were held as under:

Details of Annual General Meetings of IDBI Bank Ltd.

Location and time of the last 1) August 10, 2021 held exclusively through video conferencing (VC)/ Other Audio Visual
three AGMs Means (OAVM) at 2:00 p.m. (17th AGM of the Bank)
2) July 22, 2022 held exclusively through video conferencing (VC)/ Other Audio Visual
Means (OAVM) at 11:00 a.m. (18th AGM of the Bank)
3) July 13, 2023 held exclusively through video conferencing (VC)/ Other Audio Visual
Means (OAVM) at 11:00 a.m. (19th AGM of the Bank)
Whether Special Resolutions  In 17th AGM
were passed in previous Special resolutions for (i) taking shareholders’ approval u/s 42, 62(1)(c) and other
three AGMs applicable provisions of the Companies Act, 2013 to the proposal for enabling
the Bank to raise capital aggregating to not more than ` 7,500 crore (inclusive of
premium amount) and empowering the Board to take specific decision in this regard;
(ii) Approval for Scheme of Reduction of Share Capital for setting off accumulated
losses aggregating to ` 45,396.18 crore by utilising the balance of ` 50,719.75
crore standing to the credit of Securities Premium Account as on April 01, 2021; (iii)
Alteration to the Article of Association of the Bank; (iv) taking shareholders’ approval
u/s 149 of the Companies Act, 2013 for re-appointment of Shri Bhuwanchandra B.
Joshi (DIN:06713850) as Independent Director of the Bank for the second term of four
years with effect from October 09, 2021, were passed at the 17th AGM of the Bank
held on August 10, 2021.
 In 18th AGM
Special resolution for taking shareholders’ approval u/s 42, 62(1)(c) and other applicable
provisions of the Companies Act, 2013 to the proposal for enabling the Bank to raise
capital aggregating to not more than ` 5,000 crore (inclusive of premium amount) and
empowering the Board to take specific decision in this regard was passed at the 18th
AGM of the Bank held on July 22, 2022.

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 In 19th AGM
Special Resolution for taking shareholders’ approval for Alteration of Articles of IDBI
Bank was passed at the 19th AGM of the Bank held on July 13, 2023.

Whether any special Yes. The details of voting were submitted to the Stock Exchanges and are also made
resolution was passed last available on the website of the Bank at https://www.idbibank.in/agm-egm-postal-ballot-
year through postal ballot – voting-results-fy-2023-24.aspx
details of voting pattern
The details of voting pattern is given below in the following table:
Postal Ballot notice dated October 16, 2023

Res. Details of Resolution Votes in favour Votes

No. Against

1. Appointment of Shri Ajay Prakash Sawhney (DIN: 03359323) as an 5,67,62,80,299 12,86,950

Independent Director, not liable to retire by rotation, on the Board (99.9773%) (0.0227%)
of the Bank for a term of four consecutive years with effect from
August 28, 2023

Person who conducted the postal The Board of Directors of the Bank appointed Ms. Aparna Gadgil or failing her, Mr. S. N. Viswanathan of S.
ballot exercise N. Ananthasubramanian & Co., Practicing Company Secretaries, as the scrutiniser for conducting the Postal
Ballot e-voting process in a fair and transparent manner.

Whether any special resolution No special resolution is proposed to be conducted through postal ballot.
is proposed to be conducted
through postal ballot

Procedure for Postal Ballot Pursuant to General Circular No. 09/2023 dated September 25, 2023 and the previous circulars relating
to relaxations issued by Ministry of Corporate Affairs (MCA) applicable in this regard (MCA Circulars),
Sections 108 & 110 of Companies Act, 2013 and applicable rules, provisions of the SEBI (LODR)
Regulations, 2015, Secretarial Standard on General Meetings (SS-2) issued by the Institute of Company
Secretaries of India and any other applicable law, rules and regulations, the special businesses given in
the notice were approved by the members of IDBI Bank Ltd. only by way of voting through electronic
means.
During FY 2023-24, the Bank had issued a Postal Ballot Notice on October 16, 2023. Accordingly, the
resolution as set out in the Postal Ballot notice was passed with requisite majority on November 19,
2023.

MEANS OF COMMUNICATION
Apart from providing the detailed Annual Report on the Bank’s working, consisting of the Board’s Report as required under
Section 134 of the Companies Act, 2013 and the Annual Accounts, the Bank regularly brings out its quarterly results for
information of its shareholders. These are published in one English language newspaper, viz. the Financial Express, having
nationwide circulation and in one regional language newspaper, viz. Loksatta and these advertisements are intimated to
the stock exchanges. The aforesaid information is also displayed on the Bank’s website https://www.idbibank.in/secretarial-
disclosures.aspx along with the official press release.

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GENERAL SHAREHOLDERS’ INFORMATION

GENERAL SHAREHOLDERS’ INFORMATION

i. Date, time and venue of AGM Tuesday, July 23, 2024, 11:00 a.m., through video conferencing (VC)/ Other
Audio Visual Means (OAVM).

ii. Financial Year April 1, 2023 to March 31, 2024

iii. E-voting period in terms of Regulation E-voting period commences on and from Thursday, July 18, 2024 at 9.00 a.m.
44 of LODR Regulations and section (IST) and ends on Monday, July 22, 2024 at 5.00 p.m (IST).
108 of the Companies Act, 2013
read with Rule 20 of the Companies
(Management and Administration)
Rules, 2014

iv. Record Date Tuesday, July 16, 2024

v. Dividend Payment Date Will be paid within 30 days post approval by shareholder at the 20th AGM

vi. Book closure date July 17, 2024 to July 23, 2024 (both days inclusive)

vii. Listing on Stock Exchanges and 1. BSE Ltd. (BSE)

confirmation of payment of Annual Address: 25th Floor, Phiroze Jeejeebhoy Towers, Dalal Street, Fort,
listing fee Mumbai – 400 001
2. National Stock Exchange of India Ltd. (NSE)
Address: Exchange Plaza, 5th Floor, Plot No. C / 1, G Block, Bandra
Kurla Complex, Bandra (E), Mumbai – 400 051.
The bonds issued in the domestic market comprised privately placed bonds
and are listed on the BSE/ NSE.
Listing fees as applicable have been paid.

viii. Stock code/ Symbol BSE – 500116, NSE – IDBI

ix. Registrar and Share Transfer Agents KFin Technologies Ltd.

Unit : IDBI Equity,
Selenium Tower B, Plot 31-32, Gachibowli, Financial District, Nanakramguda,
Serilingampally, Hyderabad – 500 032

x. Share Transfer system In terms of Regulation 40(1) of SEBI (Listing Obligations & Disclosure
Requirements) Regulations, 2015, the transfer of securities held in physical
mode has been discontinued w.e.f. April 01, 2019. Accordingly, the Bank’s
shares which are held in dematerialised form only are freely transferable through
the depository systems.

Requests for issue of duplicate share certificates/ deletion/ transmission/

transposition received by the Bank during the financial year ended March 31,
2024 were approved by an internal committee called Share Transfer Committee
(comprising Executive Directors/ Chief General Managers) and were processed
as per SEBI’s extant operational guidelines.

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xi. Financial Calendar April 1, 2023 to March 31, 2024

Quarterly Results were approved on:

Results as on Board Meeting

June 30, 2023 July 24, 2023

September 30, 2023 October 21, 2023

December 31, 2023 January 20, 2024

March 31, 2024 May 04, 2024

xii. Dematerialisation of Shares & The Bank’s shares can be compulsorily traded in the stock exchanges in
Liquidity dematerialised form only.
The number of shares held in dematerialised and physical mode as on March
31, 2024 is as under:

No. of shares % of total

Equity Shares
Held in dematerialised 5669213857 52.72%
form in NSDL
Held in dematerialised 5077126167 47.22%
form in CDSL
Physical 6062151 0.06%
Total 10752402175 100.00%

xiii. Listing of Debt Securities Unsecured Long-term Rupee Bonds/ Debentures issued by the Bank and
outstanding in the books of the Bank as on March 31, 2024, are listed on the
debt segment of the BSE and the NSE.

xiv. Debenture Trustee SBICAP Trustee Company Ltd.,

Address: 4th Floor, Mistry Bhavan, 122 Dinshaw Vachha Road, Churchgate,
Mumbai – 400 020
Telephone number : 022-43025572
E-mail ID of the Principal officer of the Trustee–
corporate@sbicaptrustee.com / nazer.kondakari@sbicaptrustee.com

xv. Outstanding Global Depository IDBI Bank has not issued GDRs/ ADRs/ Warrants, etc.
Receipts (GDRs)/ American
Depository Receipts (ADRs)/
warrants or convertible instruments,
conversion date and likely impact on
equity

xvi. Plant Locations Not applicable.

However, the information about the locations of the Bank’s branches is available
on its website (www.idbibank.in).

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xvii. Address for Correspondence IDBI Bank Ltd.

CIN – L65190MH2004GOI148838
Address: Equity Cell - Board Department, IDBI Bank Ltd., 22nd floor, IDBI
Tower, WTC Complex, Cuffe Parade, Mumbai - 400 005
Phone: 022-66553147/ 3062/ 3336/ 2806
E-mail: idbiequity@idbi.co.in
Website: www.idbibank.in
Registrar & Transfer Agents
KFin Technologies Ltd. (Unit IDBI Equity)
Address: Selenium Tower B, Plot. 31-32, Gachibowli, Financial District,
Nanakramguda, Serilingampally, Hyderabad – 500 032
Toll Free Number: 1800 309 4001
Website: www.kfintech.com
E-mail: einward.ris@kfintech.com

xviii. List of Credit Rating obtained by the The Credit Rating details are provided in the Management Discussion &
Bank Analysis section of the Annual Report.

xix. Market price data Refer Table i

xx. Performance in comparison to Refer Table ii

broad-based indices such as BSE
Sensex, etc.

xxi. Distribution of shareholding Refer Table iii

Table i
IDBI Bank Ltd.’s Share Price Movement on the National Stock Exchange of India Ltd. (NSE) & BSE Ltd.(BSE) :
April 2023 – March 2024
(`)

NSE BSE NSE BSE

Month High Low High Low Month High Low High Low

Apr 2023 54.65 46.15 54.62 46.16 Oct 2023 70.95 61.80 70.98 61.87

May 2023 56.65 53.05 56.65 53.02 Nov 2023 66.15 60.15 66.12 60.15

June 2023 55.90 53.35 55.86 53.42 Dec 2023 70.20 62.50 70.21 62.57

July 2023 59.05 56.70 59.03 56.69 Jan 2024 86.60 66.80 86.62 66.79

Aug 2023 65.25 59.45 65.26 59.47 Feb 2024 94.65 81.85 94.55 81.97

Sept 2023 72.55 60.05 72.53 60.13 Mar 2024 89.10 76.70 89.10 76.66

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Corporate Governance Report

Table ii:
The performance of IDBI Bank equity share relative to the BSE Sensitive Index (Sensex) during the period April 1, 2023 to
March 31, 2024 is given in the following chart –

80000.00 100.00

90.00
70000.00
80.00
60000.00
70.00
50000.00
60.00

Share Price of IDBI Bank

40000.00 50.00
SENSEX

40.00
30000.00
30.00
20000.00
20.00
10000.00
10.00

0.00 0.00
15-Sep-23

12-Feb-24

22-Feb-24
1-Sep-23
1-Aug-23

31-Aug-23
3-Apr-23

28-Apr-23

1-Nov-23

30-Nov-23

15-Jan-24

23-Jan-24

7-Mar-24

19-Mar-24
5-May-23

30-May-23

3-Jul-23

20-Jul-23

1-Dec-23

28-Dec-23
1-Jun-23

30-Jun-23

11-Oct-23

26-Oct-23

SENSEX Share Price of IDBI Bank

Table iii:
The details of shareholding in the Bank by the major categories of the shareholders and the distribution schedule as at end-
March 2024 is presented below:
Shareholding Pattern as on March 31, 2024

Category of Shareholders No. of Shares Held % to Total

Life Insurance Corporation of India (Promoter with Management control) 5294102939 49.24%
Government of India (co-promoter without Management control) 4889871903 45.48%
Employees 684963 0.01%
Public 415085098 3.86%
Hindu Undivided Family 15954400 0.15%
Bodies corporate 47716403 0.44%
Institutions
A) Banks 1176168 0.01%
B) Foreign Institutional Investors 100 0.00%
C) Financial Institutions/ Insurance Companies 13941432 0.13%
D) Mutual Funds 1474076 0.01%
E) NBFC 905183 0.01%
Societies 24800 0.00%

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Category of Shareholders No. of Shares Held % to Total

Trusts 1600510 0.01%
Directors, KMPs & Relatives 4400 0.00%
NRI's 12797377 0.12%
Foreign Portfolio Investors 48513510 0.45%
IEPF 8508949 0.08%
NSDL (transit) 39964 0.00%
GRAND TOTAL 10752402175 100.00%

Distribution Schedule as at March 31, 2024

Sr. Category No. of % to total No. of shares % to total

No. From To shareholders shareholders Equity Shares
1 1 5000 663513 98.67% 169408319 1.58%
2 5001 10000 4563 0.67% 34523790 0.32%
3 10001 20000 2256 0.34% 32458776 0.30%
4 20001 30000 721 0.11% 18202552 0.17%
5 30001 40000 325 0.05% 11453252 0.11%
6 40001 50000 239 0.04% 11115041 0.10%
7 50001 100000 448 0.07% 32043200 0.30%
8 100001 & above 369 0.05% 10443197245 97.12%
Total 672434 100.00% 10752402175 100.00%

OTHER DISCLOSURES–
i. DETAILS RELATING TO DEPOSITS COVERED UNDER CHAPTER V OF THE COMPANIES ACT, 2013 AND
DETAILS OF DEPOSITS WHICH ARE NOT IN COMPLIANCE OF THE REQUIREMENTS OF CHAPTER V OF
THE ACT
In terms of proviso to Section 73(1) of the Companies Act, 2013, nothing in this sub-section shall apply to banking
company and hence, the requirement of disclosure of captioned details is not applicable to IDBI Bank.
ii. DETAILS OF SIGNIFICANT AND MATERIAL ORDERS PASSED BY THE REGULATORS OR COURTS OR
TRIBUNALS IMPACTING THE GOING CONCERN STATUS AND COMPANY’S OPERATIONS IN FUTURE
There were no significant and material orders passed by the regulators or courts or tribunals during FY 2023-24 which
could impact the going concern status and IDBI Bank’s operations in future.
iii. THE NAMES OF COMPANIES WHICH HAVE BECOME OR CEASED TO BE ITS SUBSIDIARIES, JOINT
VENTURES OR ASSOCIATE COMPANIES DURING THE YEAR
No subsidiaries, Joint Ventures or Associate Companies have been formed during the FY 2023-24 and no Subsidiaries,
Joint Ventures or Associate Companies have ceased to be the same during the FY 2023-24.
Further, in case of NSDL- an associate of the Bank, where the Bank holds 52,200,000 equity shares of ` 2 each
aggregating to 26.10%, the Bank has given a voluntary undertaking dated September 25, 2023 to (a) not exercise voting
rights with respect to the 22,220,000 NSDL Shares (“Excess Shares”) with effect from October 3, 2023 till the actual
reduction of the shareholding of the Bank in NSDL to less than 15%; and (b) keep in abeyance other benefits accruing
out of corporate actions with respect to the Excess Shares, in compliance to Regulation 21 read with Regulation 20 of
SEBI (Depositories and Participants) Regulations, 2018.

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iv. FAMILIARISATION PROGRAMME FOR INDEPENDENT DIRECTORS

The Independent Directors are being regularly familiarised with the business of the Bank, their duties & responsibilities
and the compliance requirements in the Bank as per the changes in the regulatory environment. Further, the Independent
Directors were nominated for/ deputed to various training programmes during FY 2023-24.

The detailed status in this regard is provided on the Bank’s website (www.idbibank.in) under the following link:
https://www.idbibank.in/secretarial-disclosures.aspx

v. ESTABLISHMENT OF VIGIL MECHANISM

The Bank has a Board-approved Vigil Mechanism Policy in compliance with the statutory/ regulatory requirements.
The report on Vigil Mechanism is submitted to the Board on a regular basis. During FY 2023-24, no personnel
were denied access to the Audit Committee. The Policy on Vigil Mechanism giving details of establishment
of Vigil Mechanism has been disclosed by the Bank on its website (www.idbibank.in) under the following link:
https://www.idbibank.in/secretarial-disclosures.aspx

vi. POLICY FOR DETERMINING MATERIAL SUBSIDIARIES

In terms of the requirement of Regulation 46 of the LODR Regulations, the policy for determining material subsidiaries
is available on the Bank’s website (www.idbibank.in) under the following link: https://www.idbibank.in/secretarial-
disclosures.aspx

vii. POLICY ON DEALING WITH RELATED PARTY TRANSACTIONS

In terms of the provisions of Section 188 of the Companies Act, 2013 and Regulation 23 of the LODR Regulations,
the Bank has formulated a policy on dealing with Related Party Transactions. The Policy on Related Party Transactions
is available on the Bank’s website (www.idbibank.in) under the following link: https://www.idbibank.in/secretarial-
disclosures.aspx

viii. DISCLOSURE ON MATERIALLY SIGNIFICANT RELATED PARTY TRANSACTIONS THAT MAY HAVE
POTENTIAL CONFLICT WITH THE INTEREST OF LISTED ENTITY AT LARGE

In terms of Regulation 34 read with Schedule V of the LODR Regulations, it is confirmed that, during FY 2023-24, the
Bank has not undertaken any materially significant related party transaction that may have potential conflict with the
interest of the Bank.

ix. INFORMATION UNDER THE SEXUAL HARASSMENT OF WOMEN AT WORKPLACE (PREVENTION,

PROHIBITION & REDRESSAL) ACT, 2013

The Bank has a policy against sexual harassment and a formal process for dealing with complaints of harassment or
discrimination. The said policy is in line with the requirements of the Sexual Harassment of Women at the Workplace
(Prevention, Prohibition & Redressal) Act, 2013. The Bank has complied with provisions relating to the constitution of
Internal Complaints Committee under the said Act. Pursuant to the provisions of the LODR Regulations, the details
pertaining to number of complaints during the year has been provided below:

A Number of complaints filed during the financial year 9

B Number of complaints disposed of during the year 9#
C Number of complaints pending as at end of the 3*
financial year
# - Includes one case pending from FY 2022-23 which was resolved in FY 2023-24.
*- Includes two cases pending from previous years and one case received in FY 2023-24 which was withdrawn by the
complainant vide email dated April 20, 2024.

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x. DISCLOSURE OF COMMODITY PRICE RISKS OR FOREIGN EXCHANGE AND COMMODITY HEDGING

ACTIVITIES

The Bank is in compliance with the relevant provisions in respect of commodity price risks or foreign exchange and
commodity hedging activities as per the guidelines, if any, prescribed by regulators.

xi. DISCLOSURE OF ACCOUNTING TREATMENT

In terms of Regulation 34 read with Schedule V of the LODR Regulations, it is confirmed that, in preparation of financial
statements, no treatment different from that prescribed in an Accounting Standard has been followed and hence, no
explanation from the Management is required to be given in this regard.

xii. DISCLOSURE, AS TO WHETHER MAINTENANCE OF COST RECORDS AS SPECIFIED BY THE CENTRAL

GOVERNMENT UNDER SUB-SECTION (1) OF SECTION 148 OF THE COMPANIES ACT, 2013, IS
REQUIRED BY THE COMPANY AND ACCORDINGLY SUCH ACCOUNTS AND RECORDS ARE MADE AND
MAINTAINED

IDBI Bank Ltd., being a banking company, provisions of maintenance of cost records is not applicable to it.

xiii. DISLOSURES

a) Details of non-compliances, penalties, strictures imposed on the Bank by the stock exchanges or the SEBI or any
statutory authority, on any matter relating to capital markets, during the last three years are:

FY 2023-24 Nil
FY 2022-23 No penalties or strictures were imposed on the Bank by the stock exchanges or the
SEBI or any other statutory authority on any matter relating to the capital markets.
However, the RBI, vide their letter dated April 8, 2022, imposed an aggregate penalty
of ` 90 lakh on the Bank, in exercise of powers vested in it under the provisions of
Section 47A(1)(c) read with Section 46(4)(i) of the Banking Regulation Act, 1949 for
non-compliance with the directions issued by the RBI on Frauds-classification and
reporting by commercial banks and select Financial Institutions (FIs); strengthening
the Controls of Payment Ecosystem between Sponsor Banks and SCBs/ UCBs as a
Corporate Customer and Cyber Security Framework in Banks.
FY 2021-22 Nil
b) During FY 2023-24, the Bank did not raise any funds through preferential allotment or through Qualified Institutions
Placement (QIP). The proceeds from previous funds raised, have been fully utilised for augmenting the capital
adequacy of the Bank and for general business purposes.
c) A certificate dated May 23, 2024 has been obtained from Shri S. N. Ananthasubramanian (CP No. 1774) of M/s.
S.N. Ananthasubramanian & Co., Company Secretaries that none of the Directors on the Board of the Bank have
been debarred or disqualified from being appointed or continuing as Directors of companies by the SEBI/ the MCA
or any such statutory authority is annexed to this Report.
d) The Bank has made all the disclosures in the Annual Report that were required in terms of sub-paras (2) to (10) of
the Corporate Governance section of Schedule V (Annual Report) of the LODR Regulations.
e) The Bank has complied with the Corporate Governance requirements specified in Regulations 17 to 27 and
Clauses (b) to (i) of Sub-regulation (2) of Regulation 46 of the LODR Regulations.
f) The Bank has complied with all the mandatory requirements given under Regulation 34 read with Schedule V of
the LODR Regulations and has been submitting quarterly/ half-yearly/ annual compliance report on Corporate
Governance in the prescribed formats to the Stock Exchanges within the prescribed timelines.

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Corporate Governance Report

g) There has been no instance where the Board had not accepted any recommendation of any Committee of the
Board which is mandatorily required and hence, no disclosure in this regard is required.
h) In terms of Schedule V of the LODR Regulations, the total fees for all services paid by the Bank to the Statutory
Auditors during FY 2023-24 was ` 262.50 lakh (including Certification and other audit related services) and out of
pocket expenses were capped at ` 25.20 lakh.
i) Subsidiary Companies: As on March 31, 2024, the Bank had five subsidiaries, viz. IDBI Intech Ltd., IDBI
Capital Markets & Securities Ltd., IDBI Asset Management Ltd., IDBI MF Trustee Co. Ltd. and IDBI Trusteeship
Services Ltd. No Independent Director on the Board of the Bank is required to be inducted on the Board of its
subsidiaries as none of the subsidiaries are material subsidiary companies as defined under Regulation 16 of the
LODR Regulations. In compliance of the requirements of Regulation 24 of the LODR Regulations, the Bank’s
Audit Committee reviews the financial statements, in particular, the investments made by the unlisted subsidiary
companies. The minutes of the Board meetings of unlisted subsidiary companies are regularly placed at the
Bank’s Board meetings.
j) Document Handling and Retention Policy: In terms of Regulation 9 of LODR Regulations, the Bank has in
place a Board-approved Document Handling and Retention Policy.
k) Archival Policy: The Bank has in place a Board approved archival policy in terms of Regulation 30(8) of the LODR
Regulations, 2015.
l) Disclosure of certain types of agreements binding listed entities: There are no agreements that require
disclosure under clause 5A of paragraph A of Part A of Schedule III of the LODR Regulations.
m) Disclosures with respect to demat suspense account/ unclaimed suspense account
In terms of Regulation 34 read with Schedule V of the LODR Regulations, the Bank reports the following details in
respect of equity shares in the unclaimed suspense account:
i. Shares transferred to Demat Suspense Account in compliance of Regulation 39(4) of SEBI (LODR):

Sr. Particulars No. of No. of Shares

No. Shareholders
(a) Aggregate number of shareholders and the 4 800
outstanding shares lying in the Suspense Account
as on April 01, 2023
(b) Number of shareholders who approached the Bank 0 0
for transfer of shares from the Suspense Account
during April 01, 2023 to March 31, 2024
(c) Number of shareholders to whom shares were 0 0
transferred from the Suspense Account during April
01, 2023 to March 31, 2024
(d) Number of shareholders whose shares were 0 0
transferred to IEPF Authority in compliance of section
124 & 125 of the Companies Act, 2013.
(e) Aggregate number of shareholders and the 4 800
outstanding shares lying in the Suspense Account
as on March 31, 2024
(f) The voting rights on these shares shall remain frozen till the rightful owner of such shares claims
the shares.

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ii. Shares transferred to Suspense Escrow Demat Account in compliance of SEBI Circular SEBI/HO/MIRSD/
MIRSD_RTAMB/P/CIR/2022/8 dated 25th January 2022 (Cases wherein validity of Letter of Confirmation
expired):

Sr. Particulars No. of No. of Shares

No. Shareholders
(a) Aggregate number of shareholders and the 5 1291
outstanding shares lying in the Suspense Escrow
Demat Account as on April 01, 2023
(b) Number of shareholders whose shares were 13 3040
transferred to Suspense Escrow Demat Account
during April 01, 2023 to March 31, 2024
(c) Number of shareholders who approached the Bank 2 480
for transfer of shares from the Suspense Escrow
Demat Account during April 01, 2023 to March 31,
2024
(d) Number of shareholders to whom shares were 2 480
transferred from the Suspense Escrow Demat
Account during April 01, 2023 to March 31, 2024
(e) Aggregate number of shareholders and the 16 3851
outstanding shares lying in the Suspense Escrow
Demat Account as on March 31, 2024
(f) The rightful owner of such shares are entitled to vote and to receive dividend.
n) Disclosures in respect of Investor Education and Protection Fund (IEPF)

Sr. Description Shares/Bonds/ Amount

No. Debentures
(a) Details of the transfer/s to the IEPF made during the year :
(i) Amount of unclaimed/ unpaid dividend and the NIL NIL
corresponding shares
(ii) Redemption amount of preference shares NA NA
(iii) Amount of matured deposits, for companies other than NA NA
banking companies, along with interest accrued thereon
(iv) Amount of matured debentures along with interest accrued NA NA
thereon
(v) Application money received for allotment of any securities NIL NIL
and due for refund along with interest accrued
(vi) Sale proceeds of fractional shares arising out of issuance NIL NIL
of bonus shares, merger and amalgamation
(b) Details of the resultant benefits arising out of shares already NIL
transferred to the IEPF
(c) Year-wise amount of unpaid/ unclaimed dividend lying in NIL
the unpaid account upto the year and the corresponding
shares, which are liable to be transferred to the IEPF, and
the due dates for such transfer:

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Corporate Governance Report

Sr. Description Shares/Bonds/ Amount

No. Debentures
(d) The amount of donation, if any, given by the company to the NIL
IEPF
(e) Such other amounts transferred to the IEPF, if any, during In compliance to rule 6(14) and 6A(13) of
the year the Investor Education and Protection Fund
Authority (Accounting, Audit, Transfer and
Refund) Rules, 2016, Bank has credited
dividend amounting to ` 82,61,776/- on
account of shares held with IEPF Authority
and subsequently filed Form IEPF-7 with
Ministry of Corporate Affairs.

STATUS OF COMPLIANCE OF DISCRETIONARY REQUIREMENTS OF REGULATION 27

The status of discretionary requirements given under Part E of Schedule II of the LODR Regulations is as follows:

Sr. Discretionary Requirements Status

No.

1. A Non-Executive Chairperson may be entitled to maintain In terms of Article 116(1) (i) of the Articles of Association
a Chairperson’s Office at the Company’s expense and of the Bank, Shri T.N. Manoharan, Independent Director
also allowed reimbursement of expenses incurred in has been appointed as the Part-time Chairman of the
performance of his/ her duties Bank. The Bank has provided for a Chairman’s office
at its Head Office located at IDBI Tower, Cuffe Parade,
Mumbai.
Sitting fees is paid to Shri T.N. Manoharan for attending
the Board and Committee Meetings.

2. A half-yearly declaration of financial performance including Quarterly and half-yearly financial results are published
summary of the significant events in the last six months in the newspapers as well as disseminated to the Stock
may be sent to each household of shareholders Exchanges immediately after the Board approval for
information of shareholders and other stakeholders.
Press release of highlights of results including significant
developments is also disclosed to the Stock Exchanges
and uploaded on the website of the Bank.

3. Company may move towards a regime of financial The Bank’s financial statements are with unmodified Audit
statements with unmodified audit opinion opinion and Bank continues to adopt best practices to
ensure regime of unmodified audit opinion.

4. The Company may appoint separate persons to the post The Bank has separate positions for Part-time Chairman
of Chairman and MD & CEO such that the Chairperson and a MD & CEO.
shall – The Chairperson is not related to the MD & CEO of the
(a) be a Non-Executive Director; and Bank.
(b) not be related to the Managing Director or the Chief
Executive Officer as per the definition of the term
“relative” defined under the Companies Act, 2013.

5. The Internal auditor may report directly to the Audit Internal Auditor reports to the DMD of the Bank and has
Committee. a one-to-one meeting with the ACB every quarter as per
the required provisions.

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CODE OF CONDUCT AND ETHICS

The Bank’s Board of Directors has adopted a Code of Conduct and Ethics for its Directors, Officers and Employees. In
compliance with the requirement of Regulation 34 read with Schedule V of the LODR Regulations, a declaration signed by the
Managing Director & CEO about the affirmation of compliance with the Code of Conduct by the Board members and Senior
Management Personnel of the Bank is given below:

DECLARATION BY MD & CEO

Pursuant to the provisions of Regulation 34 read with Schedule V of the LODR Regulations, it is hereby declared for the
information of all concerned that all the Board Members and Senior Management Personnel of IDBI Bank Ltd. have affirmed
compliance with the Code of Conduct for Directors, Officers and Employees of IDBI Bank Ltd. for the FY 2023-24.
Rakesh Sharma
(DIN-06846594)
Managing Director & CEO
Dated: May 30, 2024

CEO/ CFO CERTIFICATION

In terms of Regulation 17(8) of the LODR Regulations, the certification by MD & CEO and CFO on the financial statements and
internal controls relating to financial reporting has been obtained and submitted to the Board.

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Corporate Governance Report

Annexure-A

AOC-2

(Pursuant to clause (h) of sub-section (3)of section 134 of the Act and Rule 8(2) of the Companies (Accounts) Rules, 2014)

Form for disclosure of particulars of contracts/ arrangements entered into by the company with related parties referred to in sub-
section (1) of section 188 of the Companies Act, 2013 including certain arm’s length transactions under third proviso thereto

i. Details of contracts or arrangements or transactions not at arm’s length basis

Sl. Name of the Nature of Duration of Salient terms of Justification Date of Amount Date on
No. related party contracts/ the contracts/ the contracts or for entering approval by paid as which the
and nature of arrangements/ arrangements/ arrangements into such the Board advances, special
relationship transactions transactions or transactions contracts or if any: resolution
including the arrangements was passed
value, if any or transactions in general
meeting as
required
under first
proviso to
section 188
NIL

ii. Details of material contracts or arrangement or transactions at arm’s length basis

Sl. Name of the Nature of contracts/ Duration of Salient terms of Date(s) of approval Amount paid as
No. related party arrangements/ the contracts / the contracts or by the Board, if advances, if any:
and nature of transactions arrangements/ arrangements any:
relationship transactions or transaction
including the
value, if any:
NIL

Rakesh Sharma
(DIN-06846594)
MD & CEO
Dated: May 02, 2024

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Annexure-B
ANNUAL REPORT ON CSR ACTIVITIES FOR FY 2023-24
1. Brief outline on CSR Policy of the Bank:
The Bank’s CSR objective is to make material, visible and lasting difference to the lives of underprivileged sections of the
society by identifying gaps and extending need-based contribution for their betterment. The initiatives shall be aligned
with the national priorities towards achieving sustainable development goals. The Bank seeks to achieve this through
direct intervention as well as acting as a catalyst for socio-economic progress of the beneficiaries.
The Bank’s CSR policy, inter alia, provides the platform for undertaking interventions in areas as specified under Schedule
VII of the Companies Act 2013.
2. Composition of CSR Committee:

Sr. Directors Designation/ Number of Number of

No Nature of Directorship meetings of CSR meetings of
Committee held CSR Committee
during the year attended during the
year

1. Shri Rakesh Sharma MD & CEO – Chairman of the 03 03

Committee

2. Shri Suresh Khatanhar Dy. Managing Director 02 02

(upto 14-01-2024)

3. Shri Jayakumar S. Pillai Dy. Managing Director 02 02

(w.e.f. 12-06-2023)

4. Shri Samaresh Parida Independent Director 03 03

5. Smt. P.V. Bharathi Independent Director 03 03

3. Provide the web-link(s) where Composition of CSR Committee, CSR Policy and CSR Projects approved by the
board are disclosed on the website of the company.

The web-link to the CSR policy and projects or programmes is https://www.idbibank.in/corporate-social-responsibility.

aspx

4. Provide the executive summary along with web-link(s) of Impact Assessment of CSR projects carried out in
pursuance of sub-rule (3) of rule 8, if applicable

Not Applicable.

5. (a) Average net profit of the company as per sub-section (5) of section 135 –

The average net profit of the Bank (for CSR purpose) was ` 3,704.28 crore for last three financial years, i.e.
FY 2020-21, FY 2021-22 and FY 2022-23.

(b) Two percent of average net profit of the company as per sub-section (5) of section 135 –

In terms of Section 135 (5) of the Companies Act, 2013, the two percent average net profit of the Bank was
` 74.09 crore for FY 2023-24.

(c) Surplus arising out of the CSR Projects or programmes or activities of the previous financial years – Nil

(d) Amount required to be set off for the financial year, if any – ` 1.62 crore towards last two financial years i.e.
FY 2021-22 & FY 2022-23.

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Corporate Governance Report

(e) Total CSR obligation for the financial year [(b)+(c)-(d)] – ` 72.47 crore.

6. (a) Amount spent on CSR Projects (both Ongoing Projects and other than Ongoing Projects) -
` 39.24 crore
(b) Amount spent in Administrative Overheads - Nil.
(c) Amount spent on Impact Assessment, if applicable - Not Applicable.
(d) Total amount spent for the Financial Year [(a)+(b)+(c)] – ` 39.24 crore.
(e) CSR amount spent or unspent for the Financial Year: CSR spent for FY 2023-24 is ` 39.24 crore and amount of
` 25.62 crore has been sanctioned but not disbursed relating to ongoing projects. Accordingly, unspent amount
for FY 2023-24 is ` 7.61 crore.

Amount Unspent (in `)

Total Amount Total Amount transferred to Amount transferred to any fund specified under
Spent for the Unspent CSR Account as per Schedule VII as per second provison to sub-section (5)
Financial Year. subsection (6) of section 135. of section 135.*
(in `) Amount Date of transfer Name of the Amount Date of transfer
(In ` crore) Fund
39.24 25.62 April 29, 2024 NA Nil NA

* ` 7.61 crore shall be transferred to one or more of the admissible funds by September 30, 2024.
(f) Excess amount for set-off, if any:

Sl. Particular Amount

No. (in ` crore)
(1) (2) (3)
(i) Two percent of average net profit of the company as per sub-section (5) of section 135 74.09
(ii) Total amount spent for the Financial Year 39.24
(iii) Excess amount spent for the Financial Year [(ii)-(i)] Not applicable
(iv) Surplus arising out of the CSR projects or programmes or activities of the previous Financial Nil
Years, if any
(v) Amount available for set off in succeeding Financial Years [(iii)-(iv)] Not applicable

7. Details of Unspent Corporate Social Responsibility amount for the preceding three Financial Years:

1 2 3 4 5 6 7 8
Sl. Preceding Amount Balance Amount Amount transferred to Amount Deficiency,
No. Financial transferred Amount in Spent in the a Fund as specified remaining to if any
Year(s) to Unspent Unspent Financial under Schedule VII as be spent in
CSR Account CSR Account Year per second proviso to succeeding
under under (in ` crore)
subsection (5) of section Financial
subsection (6) subsection
of section 135 (6) of section
135, if any Years
(in ` crore) 135 (in ` crore)
(in ` crore)
Amount (in Date of
` crore) Transfer
1. FY-1 Nil Nil Nil Nil NA Nil -
2. FY-2 Nil Nil 0.18 Nil NA Nil -
3. FY-3 Nil Nil 1.44 Nil NA Nil -

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Corporate Overview Statutory Reports Financial Statements

8. Whether any capital assets have been created or acquired through Corporate Social Responsibility amount
spent in the Financial Year: No
If yes, enter the number of Capital assets created/ acquired: NA
Furnish the details relating to such asset(s) so created or acquired through Corporate Social Responsibility amount spent
in the Financial Year:

Sl. Short Pin code of Date of Amount of Details of entity/ Authority/ beneficiary of
No. particulars the property creation CSR amount the registered owner
of the or asset(s) spent
property
or asset (s)
[including
complete
address
and location
of the
property]
(1) (2) (3) (4) (5) (6)
CSR Name Registered
Registration address
Number, if
applicable
NA NA NA NA NA NA NA

(All the fields should be captured as appearing in the revenue record, flat no, house no, Municipal Office/Municipal
Corporation/ Gram panchayat are to be specified and also the area of the immovable property as well as boundaries)
9. Specify the reason(s), if the company has failed to spend two per cent of the average net profit as per
subsection (5) of section 135 – The CSR spent for FY 2023-24 is ` 39.24 crore and undisbursed amount of ` 25.62
crore towards ongoing projects has been transferred to ‘Unspent CSR Account for FY 2023-24’. The unspent amount of
Rs. 7.61 crore for FY 2023-24 shall be transferred to any of the admissible funds as per Schedule VII of the Companies
Act, 2013 before September 30, 2024.
Rakesh Sharma
(DIN: 06846594)
MD & CEO
Chairman of CSR Committee
May 30, 2024

dm{f©H$ [anmoQ>© Annual Report 2023-24 163

 FORM NO. MR-3
SECRETARIAL AUDIT REPORT
FOR THE FINANCIAL YEAR ENDED 31ST MARCH 2024
[Pursuant to Section 204(1) of the Companies Act, 2013 and Rule No.9 of the Companies
(Appointment and Remuneration of Managerial Personnel) Rules, 2014]

To,
The Members,
IDBI Bank Limited
CIN: L65190MH2004GOI148838
IDBI Tower, WTC Complex,
Cuffe Parade, Mumbai – 400005.
We have conducted the Secretarial Audit of the compliance of applicable statutory provisions and the adherence to good
corporate practices by IDBI Bank Limited (hereinafter called ‘the Bank’). Secretarial Audit was conducted in a manner that
provided us a reasonable basis for evaluating the corporate conducts/statutory compliances and expressing our opinion
thereon.

Based on our verification of the Bank’s books, papers, minute books, forms and returns filed and other records maintained by
the Bank and also the information provided by the Bank, its officers, agents and authorized representatives during the conduct
of secretarial audit, we hereby report that in our opinion, the Bank has, during the audit period covering the Financial Year
ended 31st March, 2024, complied with the statutory provisions listed hereunder and also that the Bank has proper Board-
processes and compliance-mechanism in place to the extent, in the manner and subject to the reporting made hereinafter.

We have examined the books, papers, minute books, forms and returns filed and other records maintained by the Bank for the
Financial Year ended 31st March, 2024 according to the provisions of:

i. The Companies Act, 2013 (‘the Act’) and the rules made thereunder;

ii. The Securities Contracts (Regulation) Act, 1956 (‘SCRA’) and the rules made thereunder;

iii. The Depositories Act, 1996 and the Regulations and Bye-laws framed thereunder;

iv. Foreign Exchange Management Act, 1999 and the Rules and Regulations made thereunder to the extent of Foreign
Direct Investment, Overseas Direct Investment and External Commercial Borrowings – Not applicable as no reportable
event during the year under review;

v. The following Regulations and Guidelines prescribed under the Securities and Exchange Board of India Act,1992
(‘SEBI Act’):

a. The Securities and Exchange Board of India (Substantial Acquisition of Shares and Takeovers) Regulations, 2011;

b. The Securities and Exchange Board of India (Prohibition of Insider Trading) Regulations,2015;

c. The Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2018; -
Not Applicable as no reportable event during the year under review;

d. The Securities and Exchange Board of India (Share Based Employee Benefits and Sweat Equity) Regulations,
2021– Not applicable as there was no reportable event during the year under review;

e. The Securities and Exchange Board of India (Registrars to an Issue and Share Transfer Agents) Regulations,1993
regarding the Companies Act and dealing with client – Not applicable as the Bank is not registered as Registrar
to Issue and Share Transfer Agent during the financial year under review;

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Corporate Overview Statutory Reports Financial Statements

f. The Securities and Exchange Board of India (Delisting of Equity Shares) Regulations, 2021 – Not applicable
as the Bank has not delisted/proposed to delist its equity shares from any stock exchange during the
financial year under review;

g. The Securities and Exchange Board of India (Buyback of Securities) Regulations, 2018 – Not applicable as the
Bank has not bought back/proposed to buy back any of its securities during the financial year under
review;

h. The Securities and Exchange Board of India (Issue and Listing of Non-Convertible Securities) Regulations, 2021

i. The Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015.

vi. The management has identified and confirmed the following laws as specifically applicable to the Bank:

1. The Banking Regulation Act, 1949 and Rules, Notifications, Circulars and Guidance issued by the Reserve Bank
of India from time to time;

2. The Reserve Bank of India (RBI) Act, 1934;

3. Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act, 2002;

4. The Prevention of Money-Laundering Act (PMLA), 2002 and The Prevention of Money-Laundering (Maintenance
of Records, etc) Rules, 2005;

5. The Payment and Settlement Systems Act, 2007;

6. The Negotiable Instruments Act, 1881.

We have also examined compliance with the applicable clauses of the following:

(i) Secretarial Standards with regard to Meetings of Board of Directors (SS-1) and General Meetings (SS-2) issued by The
Institute of Company Secretaries of India;

(ii) Listing Agreements entered into with BSE Limited and National Stock Exchange of India Limited.

During the period under review the Bank has complied with the provisions of the Act, Rules, Regulations, Guidelines,
Standards etc. mentioned above.

We further report that:

 The Board of Directors of the Bank is duly constituted with proper balance of Executive Directors, Non-Executive
Directors, Independent Directors and a Woman Independent Director. The changes in the composition of the Board of
Directors that took place during the period under review were carried out in compliance with the provisions of the Act.

 Adequate notice is given to all Directors pertaining to the schedule of the Board/Committee Meetings and agenda &
detailed notes on agenda were sent atleast seven days in advance except where consent of Directors was received for
circulation of the notice, Agenda and notes on Agenda less than seven days before the meeting.

 A system exists for seeking and obtaining further information and clarifications on the agenda items before the meeting
and for meaningful participation at the meeting.

 All decisions of the Board and Committee meetings were carried with requisite majority.

We further report that based on the review of the compliance mechanism established by the Bank and on the basis of
Compliance Certificate(s) issued by Company Secretary and Chief Compliance Officer based on certificates received from
various departments / Verticals / Subsidiary Companies and taken on record by the Board of Directors at their meeting(s), we
are of the opinion that the Bank has systems and processes in place and is taking efforts to further strengthen them so as to
make them commensurate with the size and operations of the Bank, to monitor and ensure compliance with all applicable
laws, rules, regulations and guidelines.

dm{f©H$ [anmoQ>© Annual Report 2023-24 165

During the Audit period the following events/ actions having a major bearing on Bank’s affairs in pursuance of the above
referred laws, rules, regulations, guidelines, standards referred to above have taken place:

 The Bank has, as mandated by SEBI Regulations, amended its Articles of Association, to include a provision to appoint a
Director nominated by Debenture Trustee in the event of default towards debenture holders, at the 19th Annual General
Meeting held on 13th July, 2023 by way of Special Resolution passed by Members.
The Report is to be read with our letter of even date which is annexed as Annexure – A hereto and forms an integral
part of this report.

For S. N. ANANTHASUBRAMANIAN & Co.

Company Secretaries
ICSI Unique Code: P1991MH040400
Peer Review Cert. No.: 5218/2023

S. N. Ananthasubramanian
Founding Partner
FCS: 4206 | COP No.: 1774
ICSI UDIN: F004206F000429642
23rd May, 2024 | Thane

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Corporate Overview Statutory Reports Financial Statements

Annexure – A

To,
The Members,
IDBI Bank Limited
CIN: L65190MH2004GOI148838
IDBI Tower, WTC Complex,
Cuffe Parade, Mumbai– 400005.

Our Secretarial Audit Report for the Financial Year ended 31st March, 2024 of even date is to be read along with this letter.

Management’s Responsibility
1. It is the responsibility of the management of the Bank to maintain secretarial records, devise proper systems to ensure
compliance with the provisions of all applicable laws and regulations and to ensure that the systems are adequate and
operate effectively.
Auditor’s Responsibility
2. Our responsibility is to express an opinion on these secretarial records, standards and procedures followed by the Bank
with respect to secretarial compliances.
3. We have conducted the Audit as per the applicable Auditing Standards issued by the Institute of Company Secretaries
of India.
4. We believe that audit evidence and information obtained from the Bank’s management is adequate and appropriate for
us to provide a basis for our opinion.
5. Wherever required, we have obtained reasonable assurance whether the statements prepared, documents or Records,
in relation to Secretarial Audit, maintained by the Bank, are free from misstatement.
6. Wherever required, we have obtained the Management’s representation about the compliance of laws, rules and
regulations and happening of events, etc.
Disclaimer
7. The Secretarial Audit Report is neither an assurance as to the future viability of the Bank nor of the efficacy or effectiveness
with which the management has conducted the affairs of the Bank.
8. We have not verified the correctness and appropriateness of financial records and Books of Accounts of the Bank.

For S. N. ANANTHASUBRAMANIAN & Co.

Company Secretaries
ICSI Unique Code: P1991MH040400
Peer Review Cert. No.: 5218/2023

S. N. Ananthasubramanian
Founding Partner
FCS: 4206 | COP No.: 1774
ICSI UDIN: F004206F000429642
23rd May, 2024 | Thane

dm{f©H$ [anmoQ>© Annual Report 2023-24 167

 CERTIFICATE OF NON-DISQUALIFICATION OF DIRECTORS
[Pursuant to Regulation 34(3) and Schedule V Para C Clause (10)(i) of Securities and Exchange Board of India
(Listing Obligations and Disclosure Requirements) Regulations, 2015]

To,
The Members of
IDBI BANK LIMITED
CIN: L65190MH2004GOI148838
IDBI Tower, WTC Complex, Cuffe Parade
Mumbai- 400005
We have examined the following documents:
i) Declaration of non-disqualification as required under Section 164 of Companies Act, 2013 (‘the Act’);
ii) Disclosure of concern or interests as required under Section 184 of the Act;
(hereinafter referred to as ‘relevant documents’)
as submitted by the Directors of IDBI Bank Limited (‘the Bank’) bearing CIN: L65190MH2004GOI148838 and having
its registered office at IDBI Tower, WTC Complex, Cuffe Parade, Mumbai 400005, to the Board of Directors of the Bank
(‘the Board’) for the Financial Year ended 31st March 2024 and Financial Year ended 31st March 2025 and relevant
registers, records, forms and returns maintained by the Bank and as made available to us for the purpose of issuing this
Certificate in accordance with Regulation 34(3) read with Schedule V Para C Clause 10(i) of SEBI (LODR) Regulations,
2015. We have considered non-disqualification to include non-debarment by Regulatory/ Statutory Authorities.
It is the responsibility of Directors to submit relevant documents with complete and accurate information in accordance
with the provisions of the Act.
Ensuring the eligibility for the appointment/continuity of every Director on the Board is the responsibility of the management
of the Bank. Our responsibility is to express an opinion on these based on our verification.
Based on our examination as aforesaid and such other verifications carried out by us as deemed necessary and
adequate (including Directors Identification Number (DIN) status at the portal www.mca.gov.in), in our opinion and to
the best of our information and knowledge and according to the explanations provided by the Bank, its officers and
authorized representatives, we hereby certify that none of the Directors on the Board of the Bank, as listed hereunder
for the Financial Year ending 31st March, 2024, have been debarred or disqualified from being appointed or continuing
as Directors of the Bank by Securities and Exchange Board of India/ Ministry of Corporate Affairs or any such statutory
authority.

Sr. Name of Director Director Date of Date of cessation

No. Identification Appointment
Number (DIN)
1. Mr. Gyan Prakash Joshi 00603925 28/08/2015 27/08/2023
2. Mr. Bhuwanchandra Balkrishna Joshi 06713850 09/10/2017 -
3. Mr. Samaresh Parida 01853823 19/05/2018 -
4. Mr. Jambunathan Narayanan 05126421 19/05/2018 -
5. Mr. Rakesh Sharma 06846594 10/10/2018 -
6. Mr. Deepak Singhal 08375146 28/02/2019 -
7. Mr. Sanjay Gokuldas Kallapur 08377808 05/03/2019 -
8. Mr. Samuel Joseph Jebaraj 02262530 20/09/2019 05/04/2023
9. Mr. Suresh Kishinchand Khatanhar 03022106 15/01/2020 14/01/2024
10. Mrs. P. V. Bharathi 06519925 14/01/2021 -

168 Friendship That

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Corporate Overview Statutory Reports Financial Statements

Sr. Name of Director Director Date of Date of cessation

No. Identification Appointment
Number (DIN)
11. Mr. Mukesh Gupta 06638754 10/02/2022 -
12. Mr. Thothala Narayanasamy Manoharan 01186248 24/02/2022 -
13. Mr. Manoj Sahay 08711612 28/04/2022 -
14. Mr. Sushil Kumar Singh 09584577 28/04/2022 -
15. Mr. Raj Kumar 06627311 19/05/2022 -
16. Mr. Jayakumar Subramonia Pillai 10041362 12/06/2023 -
17. Mr. Ajay Prakash Sawhney 03359323 28/08/2023 -

This Certificate is neither an assurance as to the future viability of the Bank nor of the efficiency or effectiveness with which the
management has conducted the affairs of the Bank.
This Certificate has been issued at the request of the Bank to make disclosure in its Corporate Governance Report of the
Financial Year ended 31st March, 2024.

For S. N. ANANTHASUBRAMANIAN & CO.

Company Secretaries
ICSI Unique Code: P1991MH040400
Peer Review Cert. No. 5218/2023

S. N. Ananthasubramanian
Founding Partner
FCS : 4206 I COP No. : 1774
ICSI UDIN: F004206F000429884
23rd May, 2024 I Thane

dm{f©H$ [anmoQ>© Annual Report 2023-24 169

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Ÿ¸½£¸ ´õ ¢¨¸æ¸¸¬¸ í¾ ¢ˆÅ ퟸ¸£½ ¬¸ž¸ú ¢í÷¸š¸¸£ˆÅ¸Ê ˆ½Å ¬¸¸Ÿ¸»¢íˆÅ œÏ¡¸¸¬¸¸Ê ¬¸½ ¤¸ÿˆÅ ‚œ¸›¸ú ¢¨¸ˆÅ¸¬¸ ‚¸¾£ ¬¸¿š¸¸£µ¸ú¡¸ ¡¸¸°¸¸ Ÿ¸Ê ›¸ƒÄ …¿¸¸ƒ¡¸¸Ê ˆÅ¸½ œÏ¸œ÷¸ ˆÅ£÷¸¸ £í½Š¸¸.

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ž¸¸Š¸ ‚À ¬¸¸Ÿ¸¸›¡¸ œÏˆÅ’úˆÅ£µ¸

I. ¬¸»¸ú¤¸Ö ¬¸¿‰¡¸¸ ˆÅ¸ ¤¡¸¸½£¸
ÇÅŸ¸ œÏ©›¸ „
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2. ¬¸»¸ú¤¸Ö ¬¸¿¬˜¸¸ ˆÅ¸ ›¸¸Ÿ¸ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸.
3. ¢›¸Š¸Ÿ¸›¸ ˆÅ¸ ¨¸«¸Ä 27 ¢¬¸÷¸¿¤¸£ 2004
4. œ¸¿¸úˆ¼Å÷¸ ˆÅ¸¡¸¸Ä¥¸¡¸ ˆÅ¸ œ¸÷¸¸ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’¸Á¨¸£, ”¤¥¡¸»’ú¬¸ú, ˆÅûÅ œ¸£½”, Ÿ¸º¿¤¸ƒÄ - 400 005
5. ˆÅ¸Á£œ¸¸½£½’ œ¸÷¸¸ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’¸Á¨¸£, ”¤¥¡¸»’ú¬¸ú, ˆÅûÅ œ¸£½”, Ÿ¸º¿¤¸ƒÄ - 400 005
6. ƒÄ-Ÿ¸½¥¸À idbiequity@idbi.co.in
7. ’½¥¸úûŸ½›¸ +91-22-66553355
8. ¨¸½¤¸¬¸¸ƒ’ www.idbibank.in
9. ¢¨¸î¸ú¡¸ ¨¸«¸Ä ¢¸¬¸ˆ½Å ¢¥¸‡ ¢£œ¸¸½’Ä ˆÅú ¸¸ £íú í¾ 1 ‚œÏ¾¥¸ 2023-31 Ÿ¸¸¸Ä 2024
10. ©¸½¡¸£ ‡Æ¬¸¸Ê¸(¸¸Ê) ˆÅ¸ ›¸¸Ÿ¸ ¸í¸¿ ©¸½¡¸£¸Ê ˆÅ¸½ ¬¸»¸ú¤¸Ö ¤¸ú‡¬¸ƒÄ ¢¥¸. ‚¸¾£ ›¸½©¸›¸¥¸ ¬’¸ÁˆÅ ‡Æ¬¸¸Ê¸ ‚¸ÁûÅ ƒ¿¢”¡¸¸ ¢¥¸.
¢ˆÅ¡¸¸ Š¸¡¸¸ í¾
11. ¸ºˆÅ÷¸¸ œ¸»¿¸ú(² œ¸¡¸¸Ê Ÿ¸Ê) 1,07,52,40,21,750
12. „¬¸ ¨¡¸¢Æ÷¸ ˆÅ¸ ›¸¸Ÿ¸ ‚¸¾£ ¬¸¿œ¸ˆÄÅ ¢¨¸¨¸£µ¸ (’½¥¸úûŸ½›¸ ‡¨¸¿ ªú Ÿ¸›¸ú«¸ ‚¸ƒÄ›™
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’½¥¸úûöŸ½›¸À +91-22-66553355
13. ¢£œ¸¸½¢’ôŠ¸ ¬¸úŸ¸¸ (‡ˆÅ¥¸ ‚˜¸¨¸¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ‚¸š¸¸£ œ¸£) ‡ˆÅ¥¸
31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¤¸ÿˆÅ ˆÅú 2,004 ©¸¸‰¸¸‡¿ ‚¸¾£ 225 ˆÅ¸¡¸¸Ä¥¸¡¸ íÿ.
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ˆ½Å ¤¸¸£½ Ÿ¸Ê œ¸¡¸¸Ä¨¸£µ¸ú¡¸ ”½’¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ œÏˆÅ’›¸ ˆ½Å¨¸¥¸ Ÿ¸º¤¿ ¸ƒÄ Ÿ¸Ê ¤¸ÿˆÅ ˆ½Å œÏš¸¸›¸
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ˆÅ¸Á¥¸½¸ ‚¸¾£ 14 ‚¿¸¥¸ ˆÅ¸¡¸¸Ä¥¸¡¸¸Ê ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ í¾. ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24
ˆ½Å ¢¥¸‡ ‚œ¸¢©¸«’ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ”½’¸ ˆ½Å¨¸¥¸ ÷¸ú›¸ ¬˜¸¸›¸¸Ê ‚˜¸¸Ä÷¸Ã ¤¸ÿˆÅ ˆÅ¸ œÏš¸¸›¸
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ˆ½Å ¢¥¸‡ ¢£œ¸¸½’Ä ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ÷¸™Ã›¸º¬¸¸£ ”½’¸ ¤¸ÿˆÅ ˆ½Å ¬¸Ÿœ¸»µ¸Ä œ¸¢£¸¸¥¸›¸¸Ê ˆÅ¸½
ˆÅ¨¸£ ›¸íú¿ ˆÅ£÷¸¸ í¾.
14. ‚¸æ¸¸¬¸›¸ œÏ™¸÷¸¸ ˆÅ¸ ›¸¸Ÿ¸ ¨¸Ÿ¸¸Ä ‡¿” ¨¸Ÿ¸¸Ä
15. œÏ¸œ÷¸ ‚¸æ¸¸¬¸›¸ ˆÅ¸ œÏˆÅ¸£ „¢¸÷¸ ‚¸æ¸¸¬¸›¸
II. ¡¸¸½¸›¸¸‡¿ ‚¸¾£ ¬¸½¨¸¸‡¿
16. ˆÅ¸£¸½¤¸¸£ú Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê ˆÅ¸ ¤¡¸¸½£¸ (ˆºÅ¥¸ ’›¸Ä‚¸½¨¸£ ˆÅ¸ 90% ¢í¬¬¸¸)À

ÇÅŸ¸ œÏŸ¸º‰¸ Š¸¢÷¸¢¨¸¢š¸ ˆÅ¸ ¨¸µ¸Ä›¸ ˆÅ¸£¸½¤¸¸£ú Š¸¢÷¸¢¨¸¢š¸ ˆÅ¸ ¢¨¸¨¸£µ¸ ¬¸¿¬˜¸¸ ˆÅ¸ ’›¸Ä ‚¸½¨¸£ %
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17. ¬¸¿¬˜¸¸ ׸£¸ ¤¸½¸ú Š¸ƒÄ ¡¸¸½¸›¸¸‡¿ / ¬¸½¨¸¸‡¿ (¬¸¿¬˜¸¸ ˆ½Å ’›¸Ä‚¸½¨¸£ ˆÅ¸ 90% ¢í¬¬¸¸):
ÇÅŸ¸ œÏŸ¸º‰¸ Š¸¢÷¸¢¨¸¢š¸ ˆÅ¸ ¨¸µ¸Ä›¸ ‡›¸‚¸ƒÄ¬¸ú ˆÅ¸½” ˆºÅ¥¸ ’›¸Ä ‚¸½¨¸£ Ÿ¸Ê ¡¸¸½Š¸™¸›¸
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1. ¨¸¸¢µ¸¦¡¸ˆÅ ¤¸ÿˆÅ¸Ê, ¤¸¸÷¸ ¤¸ÿˆÅ¸Ê, ”¸ˆÅ ¤¸¸÷¸ ¤¸ÿˆÅ¸Ê 64191 100%
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III. œ¸¢£¸¸¥¸›¸
18. ¸í¸¿ œ¸£ ¬¸¿¬˜¸¸ ˆ½Å ¬¸¿¡¸¿°¸ ‚¸¾£ /¡¸¸ œ¸¢£¸¸¥¸›¸ / ˆÅ¸¡¸¸Ä¥¸¡¸ Ÿ¸¸¾¸»™ íÿ „›¸ ¬˜¸¸›¸¸Ê ˆÅú ¬¸¿‰¡¸¸ À

¬˜¸¸›¸ ¬¸¿¡¸¿°¸¸Ê ˆÅú ¬¸¿‰¡¸¸ ˆÅ¸¡¸¸Ä¥¸¡¸¸Ê ˆÅú ¬¸¿‰¡¸¸ ˆºÅ¥¸

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ˆÅ¸¡¸¸Ä¥¸¡¸ - 225 ˆÅ¸¡¸¸Ä¥¸¡¸ - 225
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(‚¸ƒÄ¤¸ú¡¸º) ©¸¸¢Ÿ¸¥¸ í¾.
19. ¬¸¿¬˜¸¸ ׸£¸ ¬¸½¢¨¸÷¸ ¤¸¸{¸¸£À
ˆÅ. ¬˜¸¸›¸¸Ê ˆÅú ¬¸¿‰¡¸¸

¬˜¸¸›¸ ¬¸¿‰¡¸¸
£¸«’ïú¡¸ ( £¸¡¸¸Ê ˆÅú ¬¸¿‰¡¸¸ ) 35*
‚¿÷¸£¸Ä«’ïú¡¸ (™½©¸¸Ê ˆÅú ¬¸¿‰¡¸¸ ) 1#
* - ˆÊÅÍ ©¸¸¢¬¸÷¸ œÏ™½©¸¸½¿ ¬¸¢í÷¸.
# - ƒ¬¸Ÿ¸Ê Š¸º¸£¸÷¸ ‚¿÷¸£¸Ä«’ïú¡¸ ¢¨¸î¸ ’½ˆÅ-¢¬¸’ú (¢Š¸É’), Š¸¸¿š¸ú›¸Š¸£,Š¸º¸£¸÷¸ Ÿ¸Ê ¦¬˜¸÷¸ ¤¸ÿˆÅ ˆÅ¸ ‚¿÷¸£¸Ä«’ïú¡¸ ¢¨¸î¸ú¡¸ ¬¸½¨¸¸ ˆÊÅÍ (‚¸ƒÄ‡ûҬ¸¬¸ú) ¤¸ÿ¢ˆ¿ÅŠ¸
ƒˆÅ¸ƒÄ (‚¸ƒÄ¤¸ú¡¸º) ©¸¸¢Ÿ¸¥¸ í¾.
‰¸. ¬¸¿¬˜¸¸ ˆ½Å ˆºÅ¥¸ ˆÅ¸£¸½¤¸¸£ ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢›¸¡¸¸Ä÷¸ ˆÅ¸ ¡¸¸½Š¸™¸›¸ ¢ˆÅ÷¸›¸¸ í¾ ?
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Š¸. ŠÏ¸íˆÅ¸Ê ˆ½Å œÏˆÅ¸£¸Ê ˆ½Å ¤¸¸£½ Ÿ¸Ê ¬¸¿¢®¸œ÷¸ ¸¸›¸ˆÅ¸£ú
‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ‡ˆÅ ¡¸»¢›¸¨¸¬¸Ä¥¸ ¤¸ÿˆÅ í¾ ¢¸¬¸ˆÅ¸ Ÿ¸º‰¡¸¸¥¸¡¸ Ÿ¸º¿¤¸ƒÄ Ÿ¸Ê ¦¬˜¸÷¸ í¾. ¡¸í ‰¸º™£¸, ˆ¼Å¢«¸, ‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ ‚¸¾£ ˆÅ¸Á£œ¸¸½£½’ ®¸½°¸
Ÿ¸Ê û¾Å¥¸½ ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆÅú ¢¨¸¬÷¸¼÷¸ 帼¿‰¸¥¸¸ ˆÅ¸½ ¬¸ž¸ú ¢¨¸î¸ú¡¸ ¬¸Ÿ¸¸š¸¸›¸ „œ¸¥¸¤š¸ ˆÅ£¸÷¸¸ í¾. ¤¸ÿˆÅ ‚œ¸›¸ú ¡¸¸½¸›¸¸‚¸Ê ˆ½Å ¢¨¸¬÷¸¼÷¸ ¬¸Ÿ¸»í ˆ½Å Ÿ¸¸š¡¸Ÿ¸
¬¸½ ¨¡¸¢Æ÷¸¡¸¸Ê ‚¸¾£ ˆÅ¸£¸½¤¸¸£¸Ê ˆÅ¸½ ‚œ¸›¸½ ¢¨¸î¸ú¡¸ ¥¸®¡¸ œÏ¸œ÷¸ ˆÅ£›¸½ Ÿ¸Ê ¬¸®¸Ÿ¸ ¤¸›¸¸÷¸¸ í¾. ¤¸ÿˆÅ ׸£¸ ˆÅú ¸¸ £íú œ¸½©¸ˆÅ©¸¸Ê Ÿ¸Ê ¤¸¸÷¸ ‰¸¸÷¸¸, ¸¸¥¸»
‰¸¸÷¸¸, Ÿ¸ú¡¸¸™ú ¸Ÿ¸¸, ‚¸¨¸¸¬¸ †µ¸, ‚¸Á’¸½ †µ¸, ¢©¸®¸¸ †µ¸, ¨¡¸¢Æ÷¸Š¸÷¸ †µ¸, ¢›¸¢š¸ ‚¸š¸¸¢£÷¸ ‚¸¾£ Š¸¾£-¢›¸¢š¸ ‚¸š¸¸¢£÷¸ ¬¸í¸¡¸÷¸¸, ’ｏ¸£ú
‚¸¾£ œ¸»¿¸ú ¤¸¸{¸¸£ ˆÅú ¡¸¸½¸›¸¸‡¿, ¨¡¸¸œ¸¸£ ¢¨¸î¸ ¡¸¸½¸›¸¸‡¿ ‚¸¾£ ¬¸½¨¸¸‡¿, ›¸ˆÅ™ œÏ¤¸¿š¸›¸ ¬¸½¨¸¸‡¿, ˆÅ£ ¬¸¿ŠÏí ‚¸¢™ ¸¾¬¸ú ¨¸¾¡¸¢Æ÷¸ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ ¡¸¸½¸›¸¸‚¸Ê
ˆÅú ¢¨¸¬÷¸¼÷¸ ª¼¿‰¸¥¸¸ ˆ½Å ¬¸¸˜¸ ¤¸¼í™ ŠÏ¸íˆÅ ‚¸š¸¸£ ˆÅ¸½ ¬¸½¨¸¸ œÏ™¸›¸ ˆÅ£ £í¸ í¾.
IV. ˆÅŸ¸Ä¸¸£úÀ
20. ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ‚¿÷¸ ˆÅ¸ ¢¨¸¨¸£µ¸À
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2. ¬˜¸¸¡¸ú ˆÅŸ¸Ä¸¸£ú ¬¸½ ƒ÷¸£ 1,966 1,088 55.34% 878 44.66%
3. ˆºÅ¥¸ ˆÅŸ¸Ä¸¸£ú (1+2) 18,292 12,008 65.65% 6,284 34.35%

172 Friendship That

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Corporate Overview Statutory Reports Financial Statements

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4. ¬˜¸¸¡¸ú ˆÅ¸Ÿ¸Š¸¸£ 721 553 76.70% 168 23.30%
5. ¬˜¸¸¡¸ú ˆÅ¸Ÿ¸Š¸¸£ ¬¸½ ƒ÷¸£ 0 0 - 0 -
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1. ¬˜¸¸¡¸ú ˆÅŸ¸Ä¸¸£ú 471 351 74.52% 120 25.48%
2. ¬˜¸¸¡¸ú ˆÅŸ¸Ä¸¸£ú ¬¸½ ƒ÷¸£ 300 219 73.00% 81 27.00%
3. ˆºÅ¥¸ ˆÅŸ¸Ä¸¸£ú (1+2) 771 570 73.93% 201 26.07%
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dm{f©H$ [anmoQ>© Annual Report 2023-24 177

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7. ˆÅ¸£¸½¤¸¸£ú ›¸¾¢÷¸ˆÅ÷¸¸ ¸¸½¢‰¸Ÿ¸ ‚¸¾£ ¸¸½¢‰¸Ÿ¸À ˆÅ¸£¸½¤¸¸£ú ›¸¾¢÷¸ˆÅ÷¸¸ Ÿ¸Ê ˆÅŸ¸ú • ˆÅ¸Á£œ¸¸½£½’ ‚¢ž¸©¸¸¬¸›¸ ˆÅú ¤¸½í÷¸£ú›¸ œ¸Ö¢÷¸¡¸¸Ê ›¸ˆÅ¸£¸÷Ÿ¸ˆÅ ¸¸½¢‰¸Ÿ¸À ‚›¸¾¢÷¸ˆÅ ‚¸¸£µ¸
‚¸¾£ ‚¢ž¸©¸¸¬¸›¸ ‚¨¸¬¸£ ‚¸¾£ ‚¢ž¸©¸¸¬¸›¸ ¬¸¿¤¸¿š¸ú ¸¸½¢‰¸Ÿ¸¸Ê ˆ½Å ˆÅ¸£µ¸ ˆÅ¸½ ¥¸¸Š¸» ˆÅ£›¸½ ‚¸¾£ ¢¨¸¢š¸ˆÅ ‡¨¸¿ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ‚¸¾£ ‚¬¸¿÷¸¸½«¸¸›¸ˆÅ ‚¢ž¸©¸¸¬¸›¸ œÏ˜¸¸‚¸Ê ˆÅ¸
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dm{f©H$ [anmoQ>© Annual Report 2023-24 179

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8. œÏ¢÷¸¬œ¸š¸úÄ ¨¡¸¨¸í¸£ ¸¸½¢‰¸Ÿ¸ ‚¸¾£ ¸¸½¢‰¸Ÿ¸À ¤¸ÿˆÅ¸Ê ׸£¸ œÏ¢÷¸¬œ¸š¸úÄ ¨¡¸¨¸í¸£ Ÿ¸Ê • ¤¸ÿˆÅ ‚œ¸›¸ú ¤¸¸{¸¸£ ¦¬˜¸¢÷¸ ˆÅ¸½ ¤¸õ¸›¸½ ‚¸¾£ ›¸ˆÅ¸£¸÷Ÿ¸ˆÅ ¸¸½¢‰¸Ÿ¸À œÏ¢÷¸¬œ¸š¸úÄ ¨¡¸¨¸í¸£
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2. ¤¸ÿˆÅ ›¸½ ¬¸÷¸ˆÄÅ÷¸¸ ÷¸¿°¸ œ¸£ ›¸ú¢÷¸ ¥¸¸Š¸» ¢ˆÅ¡¸¸ í¾ ¢¸¬¸½ https://www.idbibank.in/pdf/Policy-on-Vigil-Mechanism-.pdf œ¸£ ™½‰¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾.

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3. ¤¸ÿˆÅ ›¸½ ‚¢š¸ˆÅ¸¢£¡¸¸Ê ˆÅú ¬¸½¨¸¸, ‚¸¸£µ¸, ‚›¸º©¸¸¬¸›¸ ‚¸¾£ ‚œ¸ú¥¸¸Ê ˆ½Å ¢¥¸‡ ¢›¸¡¸Ÿ¸¸¨¸¥¸ú ¥¸¸Š¸» ˆÅú í¾, ¸¸½ ¤¸ÿˆÅ ˆÅ¸ ‚¸¿÷¸¢£ˆÅ ™¬÷¸¸¨¸½¸ í¾ ‚¸¾£ Š¸¸½œ¸›¸ú¡¸÷¸¸ ˆ½Å ˆÅ¸£µ¸
¸›¸÷¸¸ ˆÅ¸½ „œ¸¥¸¤š¸ ›¸íú¿ ˆÅ£¸¡¸¸ Š¸¡¸¸ í¾.

4. ¤¸ÿˆÅ ›¸½ ¢£æ¸÷¸-¢¨¸£¸½š¸ú ‚¸¾£ žÏ«’¸¸¸£-¢¨¸£¸½š¸ú ›¸ú¢÷¸ ¥¸¸Š¸» ˆÅú í¾ ¢¸¬¸½ https://www.idbibank.in/pdf/Anti-Bribery-Anti-Corruption-Policy.
pdf. œ¸£ ™½‰¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾.

5. ¤¸ÿˆÅ ›¸½ ƒÄ‡¬¸¸ú ›¸ú¢÷¸ ¤¸›¸¸¡¸ú í¾ ¢¸¬¸½ https://www.idbibank.in/pdf/ESG-Policy.pdf œ¸£ ™½‰¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾.

6. ¤¸ÿˆÅ ˆÅ¸£¸½¤¸¸£ú ¢›¸£¿÷¸£÷¸¸ œÏ¤¸¿š¸›¸ (¤¸ú¬¸ú‡Ÿ¸) œÏ¢ÇÅ¡¸¸‚¸Ê ˆ½Å ¤¸¸£½ Ÿ¸Ê ‚œ¸›¸½ ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä Ÿ¸Ê œÏˆÅ’úˆÅ£µ¸ ˆÅ£÷¸¸ í¾. ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä ˆÅ¸½ https://apps.idbibank.
in/idbiapp/idbi-bank-anual-report.aspx. œ¸£ ™½‰¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾. ƒ¬¸ˆ½Å ‚¢÷¸¢£Æ÷¸, ¤¸ÿˆÅ ˆÅ¸ ¤¸ú¬¸ú‡Ÿ¸ œÏˆÅ’›¸ ¢¨¸¨¸£µ¸ https://www.idbibank.
in/pdf/basel/bcm-disclosure.pdf œ¸£ ™½‰¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾.

7. ¤¸ÿˆÅ ›¸½ Ÿ¸¸›¸¨¸¸¢š¸ˆÅ¸£ ›¸ú¢÷¸ ¥¸¸Š¸» ˆÅú í¾ ¢¸¬¸½ https://www.idbibank.in/pdf/Human-Rights-Policy.pdf œ¸£ ™½‰¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾.

8. ¤¸ÿˆÅ ›¸½ ¬¸Ÿ¸¸›¸ ‚¨¸¬¸£ ›¸ú¢÷¸ ¥¸¸Š¸» ˆÅú í¾ ¢¸¬¸½ https://www.idbibank.in/pdf/EqualOpportunity-Policy-Employees.pdf œ¸£ ™½‰¸¸ ¸¸ ¬¸ˆÅ÷¸¸
í¾.

9. ˆÅ¸¡¸Ä¬˜¸¥¸ œ¸£ Ÿ¸¢í¥¸¸‚¸Ê ˆÅ¸ ¡¸¸¾›¸ „÷œ¸ú”õ›¸, (£¸½ˆÅ˜¸¸Ÿ¸, œÏ¢÷¸¤¸¿š¸ ‚¸¾£ ¢›¸¨¸¸£µ¸) ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ˆ½Å ‚›¸º³Åœ¸, ¤¸ÿˆÅ ›¸½ ˆÅ¸¡¸Ä¬˜¸¥¸ œ¸£
Ÿ¸¢í¥¸¸‚¸Ê ˆ½Å ¡¸¸¾›¸ „÷œ¸ú”õ›¸ ¬¸¿¤¸¿š¸ú œÏ¸œ÷¸ ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅ¸ ¢›¸¨¸¸£µ¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ™¸½ ¬¸¢Ÿ¸¢÷¸¡¸¸Â Š¸¢“÷¸ ˆÅú íÿ. ¢¸›¸ˆ½Å ¢¨¸¨¸£µ¸ ˆÅ¸½ https://www.idbibank.in/
pdf/Sexual-Harassment-Redressal-Policy.pdf. œ¸£ ™½‰¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾.

10. ¤¸ÿˆÅ ›¸½ ‚œ¸›¸½ ªŸ¸©¸¢Æ÷¸ ˆÅ¸½ ž¸¸¾¢÷¸ˆÅ ¬¸º£®¸¸ ¸¸½¢‰¸Ÿ¸¸½¿ ¬¸½ ¤¸¸¸›¸½ ˆ½Å ¢¥¸‡ ¬¸º£®¸¸ ›¸ú¢÷¸ ¥¸¸Š¸» ˆÅú í¾. ¡¸í ›¸ú¢÷¸ ‡ˆÅ ‚¸¿÷¸¢£ˆÅ ™¬÷¸¸¨¸½ö¸ í¾ ‚¸¾£ Š¸¸½œ¸›¸ú¡¸÷¸¸ ˆ½Å ˆÅ¸£µ¸
¸›¸÷¸¸ ˆ½Å ¢¥¸‡ „œ¸¥¸¤š¸ ›¸íì ˆÅ£¸¡¸¸ Š¸¡¸¸ í¾.

11. ¤¸ÿˆÅ ˆÅú ¬¸ú‡¬¸‚¸£ Š¸¢÷¸¢¨¸¢š¸¡¸¸¿ ƒ¬¸ˆÅú ¬¸ú‡¬¸‚¸£ ›¸ú¢÷¸ ¬¸½ ‚¢ž¸©¸¸¢¬¸÷¸ í¸½÷¸ú í¾ ¢¸¬¸½ https://www.idbibank.in/pdf/CSRPolicy.pdf œ¸£ ™½‰¸¸ ¸¸
¬¸ˆÅ÷¸¸ í¾.

12. ¤¸ÿˆÅ ‚œ¸›¸ú ŠÏ¸íˆÅ ¬¸½¨¸¸ ›¸ú¢÷¸ (https://www.idbibank.in/pdf/policy/Customer_Care_Policy.pdf), ŠÏ¸íˆÅ ‚¢š¸ˆÅ¸£ ›¸ú¢÷¸ (https://
www.idbibank.in/pdf/policy/Customer_Rights_Policy.pdf), ¢©¸ˆÅ¸¡¸÷¸ ¢¨¸¸¸£µ¸ ›¸ú¢÷¸ (https://www.idbibank.in/pdf/policy/
Grievance_Redressal_Policy.pdf) ‚¸¾£ ŠÏ¸íˆÅ ®¸¢÷¸œ¸»¢÷¸Ä ›¸ú¢÷¸ (https://www.idbibank.in/pdf/policy/Compensation-Policy-
Upload.pdf) Ÿ¸½¿ ¢›¸š¸¸Ä¢£÷¸ ©¸÷¸¸½ô ˆ½Å ‚›¸º¬¸¸£ ‚œ¸›¸½ ŠÏ¸íˆÅ¸½¿ ˆ½Å ¢í÷¸¸½¿ ˆÅú £®¸¸ ˆÅ£÷¸¸ í¾ ‚¸¾£ ‚œ¸›¸½ ŠÏ¸íˆÅ¸½¿ ˆÅ¸ ¬¸ŸŸ¸¸›¸ ˆÅ£÷¸¸ í¾.

13. ¤¸ÿˆÅ ›¸½ ¬¸¸ƒ¤¸£ ¬¸º£®¸¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸½¿ ›¸ú¢÷¸¡¸¸Â /¢™©¸¸¢›¸™½Ä©¸ ¸¸£ú ¢ˆÅ¡¸½ íÿ ¸¸½ ¤¸ÿˆÅ ˆ½Å ‚¸¿÷¸¢£ˆÅ ™¬÷¸¸¨¸½¸ íÿ ‚¸¾£ ¨¸½ Š¸¸½œ¸›¸ú¡¸÷¸¸ ˆ½Å ˆÅ¸£µ¸ ¸›¸÷¸¸ ˆ½Å ¢¥¸‡ „œ¸¥¸¤š¸ ›¸íì
ˆÅ£¸‡ Š¸¡¸½ íÿ.

10. ˆ¿Åœ¸›¸ú ׸£¸ ‡›¸¸ú‚¸£¤¸ú¬¸ú ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ¸ ¤¡¸¸½£¸:

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‚›¡¸ ¢ˆÅ¬¸ú ¬¸¢Ÿ¸¢÷¸ ׸£¸ ¬¸Ÿ¸ú®¸¸ ˆÅú Š¸¡¸ú ˜¸ú ‚›¡¸ ˆÅ¸½ƒÄ - ˆ¼Åœ¸¡¸¸ ¢›¸¢™Ä«’ ˆÅ£Ê )
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1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9

„œ¸¡¸ºÄÆ÷¸ ›¸ú¢÷¸¡¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¤¸ÿˆÅ ‚œ¸›¸ú ›¸ú¢÷¸¡¸¸Ê ˆÅú ¢›¸¡¸¢Ÿ¸÷¸ ¬¸Ÿ¸ú®¸¸, ¬¸¿¤¸¿¢š¸÷¸ ›¸ú¢÷¸ ™¬÷¸¸¨¸½¸¸Ê Ÿ¸Ê „¦¥¥¸¢‰¸÷¸ ‚›¸º¬¸¸£ ‚¸¾£/¡¸¸ ¬¸®¸Ÿ¸ ‚¢š¸ˆÅ¸¢£¡¸¸Ê ׸£¸
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¢¬¸Ö¸¿÷¸¸Ê ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¬¸¸¿¢¨¸¢š¸ˆÅ ¤¸ÿˆÅ ¬¸¿¤¸¿¢š¸÷¸ ¬¸¸¿¢¨¸¢š¸ˆÅ/¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ œÏ¸¢š¸ˆÅ¸¢£¡¸¸Ê ׸£¸ ‚¢š¸¬¸»¢¸÷¸ ¬¸ž¸ú ¥¸¸Š¸» ˆÅ¸›¸»›¸¸Ê/¢¨¸¢›¸¡¸Ÿ¸¸Ê ˆÅ¸ ‚›¸ºœ¸¸¥¸›¸ ˆÅ£÷¸¸ í¾.
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11. Æ¡¸¸ ¬¸¿¬˜¸¸ ›¸½ ¢ˆÅ¬¸ú ¤¸¸í£ú ‡¸Ê¬¸ú ׸£¸ ‚œ¸›¸ú ›¸ú¢÷¸¡¸¸Ê ˆÅ¸ ¬¨¸÷¸¿°¸ ³Åœ¸ ¬¸½ ‚¸ˆÅ¥¸›¸ / Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ£¨¸¸¡¸¸ í¾? (í¸Â / ›¸íú¿). ¡¸¢™ í¸öÂ, ÷¸¸½
‡¸½¿¬¸ú ˆÅ¸ ›¸¸Ÿ¸ ¤¸÷¸¸‡¿.

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2. ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ¸Ê / ˆÅ¸›¸»›¸ œÏ¨¸÷¸Ä›¸ ‡¸Ê¢¬¸¡¸¸Ê / ›¡¸¸¢¡¸ˆÅ ¬¸¿¬˜¸¸›¸¸Ê ˆ½Å ׸£¸ ˆÅú Š¸ƒÄ ˆÅ¸£Ä¨¸¸ƒÄ (¬¸¿¬˜¸¸ ׸£¸ ¡¸¸ ¢›¸™½©¸ˆÅ¸Ê/
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3. „œ¸¡¸ºÄÆ÷¸ œÏ©›¸ 2 Ÿ¸Ê œÏˆÅ’ ˆÅú Š¸¡¸ú ¸¸›¸ˆÅ¸£ú Ÿ¸Ê ¬¸½ „›¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆ½Å ¤¡¸¸½£½ ¢¸›¸ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ‚œ¸ú¥¸ / ¬¸¿©¸¸½š¸›¸ ™¸Ä ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ¸í¸¿ Ÿ¸¸¾¢ÍˆÅ
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÷¸¸½ ƒ¬¸ ›¸ú¢÷¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¨¸½¤¸ ¢¥¸¿ˆÅ „œ¸¥¸¤š¸ ˆÅ£¸‡¿.
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׸£¸ ¸¸£ú ›¸ú¢÷¸/¢™©¸¸¢›¸™½Ä©¸¸Ê ׸£¸ ©¸¸¢¬¸÷¸ í¸½÷¸¸ í¾. ¬¸ú¨¸ú¬¸ú Ÿ¸¾›¸º‚¥¸ ¬¸ú¨¸ú¬¸ú ˆÅú ¨¸½¤¸¬¸¸ƒ’ (www.cvc.gov.in) œ¸£ „œ¸¥¸¤š¸ í¾. ƒ¬¸ˆ½Å ‚¢÷¸¢£Æ÷¸,
‚¢š¸ˆÅ¸£ú ‚›¸º©¸¸¬¸›¸ ‚¸¾£ ‚œ¸ú¥¸ ˆÅú ¢›¸¡¸Ÿ¸¸¨¸¥¸ú -2006 (‚¸½”ú‡‚¸£- 2006) œ¸£ ¤¸ÿˆÅ ˆÅú ›¸ú¢÷¸ ˆ½Å ‚›¸º¬¸¸£ ‡½¬¸½ ‚¢š¸ˆÅ¸£ú ¸¸½ žÏ«’¸¸¸£ Ÿ¸Ê ¢¥¸œ÷¸ íÿ,
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7. žÏ«’¸¸¸£ ‚¸¾£ ¢í÷¸¸Ê ˆ½Å ’ˆÅ£¸¨¸ ˆ½Å Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ¸Ê / ˆÅ¸›¸»›¸ œÏ¨¸÷¸Ä›¸ ‡¸Ê¢¬¸¡¸¸Ê / ›¡¸¸¢¡¸ˆÅ ¬¸¿¬˜¸¸›¸¸Ê ׸£¸ ¥¸Š¸¸¡¸½ Š¸¡¸½ ™¿” / ¸ºŸ¸¸Ä›¸½ /
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¡¸¢™ í¸Â, ÷¸¸½ „Æ÷¸ ˆÅ¸ ¢¨¸¨¸£µ¸ œÏ¬÷¸º÷¸ ˆÅ£Ê.
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general-code-of-conduct-ethics.aspx) œ¸£ „œ¸¥¸¤š¸ í¾.
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‚¸¨¸©¡¸ˆÅ í¾. ¡¸í œÏˆÅ’›¸ œÏ÷¡¸½ˆÅ ¢¨¸î¸ú¡¸ ¨¸«¸Ä Ÿ¸Ê í¸½›¸½ ¨¸¸¥¸ú ¤¸¸½”Ä ˆÅú œ¸í¥¸ú ¤¸¾“ˆÅ ˆ½Å ™¸¾£¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ „¬¸ˆ½Å ¤¸¸™ ¤¸™¥¸¸¨¸ í¸½›¸½ œ¸£ ¢ˆÅ¬¸ú ¢¨¸©¸½«¸
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188 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
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4. Æ¡¸¸ ¬¸¿¬˜¸¸ ˆÅú Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê ˆ½Å ¢¥¸‡ ¢¨¸¬÷¸¸¢£÷¸ „÷œ¸¸™ˆÅ ¢¸ŸŸ¸½™¸£ú (ƒÄœ¸ú‚¸£) ¥¸¸Š¸» í¾ ?(í¸Â / ›¸íú¿ ) ¡¸¢™ í¸Â, ÷¸¸½ Æ¡¸¸ ˆÅ¸£¸ „“¸›¸½ ˆÅú
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ˆ½Å ¢¥¸‡ „“¸‡ Š¸‡ ˆÅ™Ÿ¸¸Ê ˆÅ¸ „¥¥¸½‰¸ ˆÅ£Ê.
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1. Æ¡¸¸ ¬¸¿¬˜¸¸ ›¸½ ‚œ¸›¸½ ¢ˆÅ¬¸ú ž¸ú „÷œ¸¸™ ˆ½Å ¢¥¸‡ (¢¨¸¢›¸Ÿ¸¸Äµ¸ ®¸½°¸ ˆ½Å ¢¥¸‡) ¡¸¸ ‚œ¸›¸ú ¢ˆÅ¬¸ú ž¸ú ¬¸½¨¸¸‚¸Ê ˆ½Å ¢¥¸‡ (¬¸½¨¸¸ „Ô¸¸½Š¸ ˆ½Å ¢¥¸‡) „¬¸ˆÅ¸
¸ú¨¸›¸ ¸ÇÅ œ¸¢£´©¡¸ / Ÿ¸»¥¡¸¸¿ˆÅ›¸ (‡¥¸¬¸ú‡) ¢ˆÅ¡¸¸ í¾? ¡¸¢™ í¸Â, ÷¸¸½ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ œÏ¸³Åœ¸ Ÿ¸Ê „¬¸ˆÅ¸ ¤¡¸¸½£¸ œÏ¬÷¸º÷¸ ˆÅ£Ê.

‡›¸‚¸ƒÄ¬¸ú ˆÅ¸½” „÷œ¸¸™ / ¬¸½¨¸¸ ˆÅ¸ ¡¸¸½Š¸™¸›¸ ¢™‡ Š¸¡¸½ ¬¸úŸ¸¸ ¢¸¬¸ˆ½Å Æ¡¸¸ ¢ˆÅ¬¸ú ¤¸¸í£ú œ¸¢£µ¸¸Ÿ¸ ¬¸¸¨¸Ä¸¢›¸ˆÅ
›¸¸Ÿ¸ ˆºÅ¥¸ ˆÅ¸£¸½¤¸¸£ ˆÅ¸ ¢¥¸‡ ¸ú¨¸›¸ ¸ÇÅ ¬¨¸÷¸¿°¸ ¬¸¿¬˜¸¸ ׸£¸ ”¸½Ÿ¸½›¸ Ÿ¸Ê ¬¸¿œÏ½¢«¸÷¸
œÏ¢÷¸©¸÷¸ œ¸¢£´©¡¸/ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸ ? ¢ˆÅ‡ Š¸‡ (í¸Â /
¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸ (í¸Â / ›¸íú¿ ) ›¸íú¿ )
¡¸¢™ í¸Â, ÷¸¸½ ˆ¼Åœ¸¡¸¸
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2. ¡¸¢™ ‚¸œ¸ˆ½Å „÷œ¸¸™ ˆ½Å ¢›¸Ÿ¸¸Äµ¸ ‚˜¸¨¸¸ ¬¸½¨¸¸ ¬¸½ ˆÅ¸½ƒÄ Ÿ¸í÷¨¸œ¸»µ¸Ä ¬¸¸Ÿ¸¸¢¸ˆÅ ‚˜¸¨¸¸ œ¸¡¸¸Ä¨¸£µ¸ú¡¸ ¢¸¿÷¸¸‚¸Ê ˆ½Å Ÿ¸ºÓ½ œ¸¾™¸ í¸½ £í½ íÿ, ¸¾¬¸¸ ¢ˆÅ ¸ú¨¸›¸
¸ÇÅ œ¸¢£´©¡¸ / Ÿ¸»¥¡¸¸¿ˆÅ›¸, (‡¥¸¬¸ú‡) Ÿ¸Ê ¡¸¸ ‚›¡¸ ¢ˆÅ¬¸ú Ÿ¸¸š¡¸Ÿ¸ ˆ½Å ¸¢£¡¸½ œ¸í¸¸›¸¸ Š¸¡¸¸ í¾, ÷¸¸½ „¬¸ˆÅ¸ ¬¸¿®¸½œ¸ Ÿ¸Ê ¨¸µ¸Ä›¸ ˆÅ£Ê ‚¸¾£ „¬¸½ ‹¸’¸›¸½
ˆ½Å ¢¥¸‡ Æ¡¸¸ „œ¸¸¡¸ ¢ˆÅ¡¸½ Š¸¡¸½ íÿ, ¡¸í ¤¸÷¸¸‡¿.

„÷œ¸¸™ / ¬¸½¨¸¸ ˆÅ¸ ›¸¸Ÿ¸ ¸¸½¢‰¸Ÿ¸ / ¢¸¿÷¸¸ ˆÅ¸ ¨¸µ¸Ä›¸ ˆÅú Š¸ƒÄ ˆÅ¸£Ä¨¸¸ƒÄ
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3. „÷œ¸¸™›¸ Ÿ¸Ê (¢¨¸¢›¸Ÿ¸¸Äµ¸ „Ô¸¸½Š¸ ˆ½Å ¢¥¸‡) ‚˜¸¨¸¸ ¬¸½¨¸¸ œÏ™¸›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ (¬¸½¨¸¸ „Ô¸¸½Š¸ ˆ½Å ¢¥¸‡) „œ¸¡¸¸½Š¸ Ÿ¸Ê ¥¸¸ƒÄ Š¸ƒÄ ˆºÅ¥¸ ¬¸¸Ÿ¸ŠÏú Ÿ¸Ê ¬¸½
£ú-¬¸¸¡¸ˆÅ¥¸ ˆÅú Š¸ƒÄ ¡¸¸ ™¸½¤¸¸£¸ „œ¸¡¸¸½Š¸ Ÿ¸Ê ¥¸¸ƒÄ Š¸ƒÄ ¬¸¸Ÿ¸ŠÏú ˆÅ¸ œÏ¢÷¸©¸÷¸ (Ÿ¸»¥¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê).

ƒ›¸œ¸º’ ˆÅú Š¸ƒÄ ¬¸¸Ÿ¸ŠÏú ˆÅ¸ „¥¥¸½‰¸ ˆÅ£Ê ˆºÅ¥¸ ¬¸¸Ÿ¸ŠÏú ˆ½Å Ÿ¸ºˆÅ¸¤¸¥¸½ £ú-¬¸¸¡¸ˆÅ¥¸ ˆÅú Š¸ƒÄ ¡¸¸ ™¸½¤¸¸£¸ „œ¸¡¸¸½Š¸ Ÿ¸Ê ¥¸¸ƒÄ Š¸ƒÄ ƒ›¸œ¸º’
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ƒ¬¸ ¤¸¸÷¸ œ¸£ ¢¨¸¸¸£ ˆÅ£÷¸½ íº‡ ¡¸í ¥¸¸Š¸» ›¸íú¿ í¾ ¢ˆÅ ¢¨¸î¸ú¡¸ ¬¸½¨¸¸ œÏ™¸÷¸¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ƒ¬¸ˆ½Å œ¸¢£¸¸¥¸›¸ ˆÅú œÏˆ¼Å¢÷¸ ˆÅ¸½ ™½‰¸÷¸½ íº‡ ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ‡½¬¸¸ ˆÅ¸½ƒÄ „÷œ¸¸™
›¸íú¿ í¾ ¢¸¬¸½ œ¸º›¸À œÏ¸œ÷¸ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆ½Å. í¸¥¸¸Â¢ˆÅ, ƒÄ-ˆÅ¸£¸ ¸¸½ ‡ˆÅ Ÿ¸í÷¨¸œ¸»µ¸Ä ‰¸÷¸£›¸¸ˆÅ ‚œ¸¢©¸«’ í¾, ˆ½Å ¬¸º£¢®¸÷¸ ¢›¸œ¸’¸›¸ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ›¸½ œ¸¿¸úˆ¼Å÷¸
œ¸º›¸¸ÄÇŵ¸ˆÅ÷¸¸Ä‚¸Ê ˆ½Å ¢¥¸‡ ‡ˆÅ ƒÄ-ˆÅ¸£¸ œÏ¤¸¿š¸›¸ ›¸ú¢÷¸ ¥¸¸Š¸» ˆÅú í¾.

4. ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ œÏ¸³Åœ¸ Ÿ¸Ê ¸ú¨¸›¸ ¬¸Ÿ¸¸œ÷¸ í¸½›¸½ œ¸£, „÷œ¸¸™ ÷¸˜¸¸ œ¸¾ˆ½Å¢¸¿Š¸ ¬¸¸Ÿ¸ŠÏú ˆ½Å ™¸½¤¸¸£¸ œÏ¡¸¸½Š¸ Ÿ¸Ê ¥¸¸ƒÄ Š¸ƒÄ, £ú-¬¸¸¡¸ˆÅ¥¸ ˆÅú Š¸ƒÄ ‚¸¾£
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¸¸¥¸» ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ¢œ¸Ž¥¸¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23

™¸½¤¸¸£¸ œÏ¡¸¸½Š¸ £ú-¬¸¸ƒˆÅ¥¸ ¬¸º£¢®¸÷¸ ³Åœ¸ ¬¸½ ™¸½¤¸¸£¸ œÏ¡¸¸½Š¸ £ú-¬¸¸ƒˆÅ¥¸ ¬¸º£¢®¸÷¸ ³Åœ¸ ¬¸½
ˆÅú Š¸ƒÄ ˆÅú Š¸¡¸ú ›¸«’ ˆÅú Š¸ƒÄ ˆÅú Š¸ƒÄ ˆÅú Š¸ƒÄ ›¸«’ ˆÅú Š¸ƒÄ
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5. œÏ÷¡¸½ˆÅ „÷œ¸¸™ ª½µ¸ú ˆ½Å ¢¥¸‡ ™¸½¤¸¸£¸ ™¸¨¸¸ ¢ˆÅ¡¸½ Š¸¡¸½ „÷œ¸¸™ ‚¸¾£ „›¸ˆÅú œ¸¾ˆ½Å¢¸¿Š¸ ¬¸¸Ÿ¸ŠÏú(¤¸½¸½ Š¸¡¸½ „÷œ¸¸™¸Ê ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê )

„÷œ¸¸™ ª½µ¸ú ˆÅ¸ „¥¥¸½‰¸ ˆÅ£Ê ¬¸¿¤¸¿¢š¸÷¸ ª½µ¸ú Ÿ¸Ê ¤¸½¸½ Š¸¡¸½ ˆºÅ¥¸ „÷œ¸¸™¸Ê ˆ½Å % ˆ½Å ³Åœ¸ Ÿ¸Ê ™¸½¤¸¸£¸
™¸¨¸¸ ¢ˆÅ¡¸½ Š¸¡¸½ „÷œ¸¸™ ‚¸¾£ „›¸ˆ½Å œ¸¾ˆ½Å¢¸¿Š¸ ˆÅú ¬¸¸Ÿ¸ŠÏú
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Ÿ¸Ê ¬¸¸½¸›¸¸ ¸¸¢í‡ ‚¸¾£ „›¸ˆÅú ž¸¥¸¸ƒÄ ˆÅ¸½ ¤¸õ¸¨¸¸ ™½›¸¸ ¸¸¢í‡.
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ª½µ¸ú ˆºÅ¥¸ (‚) ¬¨¸¸¬˜¡¸ ¤¸úŸ¸¸* ™º‹¸Ä’›¸¸ ¤¸úŸ¸¸ œÏ¬¸»¢÷¸ ¥¸¸ž¸ ¢œ¸÷¸¼÷¨¸ ¥¸¸ž¸ œ¸¸¥¸›¸¸ ‹¸£ ¬¸º¢¨¸š¸¸‡¿
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œ¸º²Å«¸ 10,920 10,920 100.00% 10,920 100.00% ¥¸¸Š¸» ›¸íì ¥¸¸Š¸» ›¸íì 10,920 100.00% ¥¸¸Š¸» ›¸íì ¥¸¸Š¸» ›¸íì
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¬˜¸¸¡¸ú ˆÅŸ¸Ä¸¸£ú ¬¸½ ƒ÷¸£
œ¸º²Å«¸ 1,088 1,078 99.08% 1,088 100.00% ¥¸¸Š¸» ›¸íì ¥¸¸Š¸» ›¸íì ¥¸¸Š¸» ›¸íì ¥¸¸Š¸» ›¸íì ¥¸¸Š¸» ›¸íì ¥¸¸Š¸» ›¸íì
Ÿ¸¢í¥¸¸ 878 875 99.66% 878 100.00% 878 100.00% ¥¸¸Š¸» ›¸íì ¥¸¸Š¸» ›¸íì ¥¸¸Š¸» ›¸íì ¥¸¸Š¸» ›¸íì
ˆºÅ¥¸ 1,966 1,953 99.34% 1,966 100.00% 878 44.66% ¥¸¸Š¸» ›¸íì ¥¸¸Š¸» ›¸íì ¥¸¸Š¸» ›¸íì ¥¸¸Š¸» ›¸íì
*- ¬˜¸¸¡¸ú ˆÅŸ¸Ä¸¸£ú ¤¸ÿˆÅ ˆÅú ƒ›¸-í¸„¬¸ ¬¨¸¸¬˜¡¸ ¡¸¸½¸›¸¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‚¸÷¸½ íÿ. œÏ¨¸½©¸ ¬÷¸£ ˆ½Å ‚¢š¸ˆÅ¸£ú É¥¸¸½’£ ¬¨¸¸¬˜¡¸ ¤¸úŸ¸¸ ›¸ú¢÷¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‚¸÷¸½ íÿ.
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ª½µ¸ú ˆºÅ¥¸ (‡ ) ¬¨¸¸¬˜¡¸ ¤¸úŸ¸¸* ™º‹¸Ä’›¸¸ ¤¸úŸ¸¸ œÏ¬¸»¢÷¸ ¥¸¸ž¸ ¢œ¸÷¸¼÷¨¸ ¥¸¸ž¸ œ¸¸¥¸›¸¸ ‹¸£ ¬¸º¢¨¸š¸¸‡¿
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Ÿ¸¢í¥¸¸ 168 168 100.00% 168 100.00% 168 100.00% ¥¸¸Š¸» ›¸íì ¥¸¸Š¸» ›¸íì ¥¸¸Š¸» ›¸íì ¥¸¸Š¸» ›¸íì
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Š¸. ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ œÏ¸³Åœ¸ Ÿ¸Ê ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ‚¸¾£ ª¢Ÿ¸ˆÅ¸Ê (¬˜¸¸¡¸ú ‚¸¾£ ¬˜¸¸¡¸ú ¬¸½ ƒ÷¸£) ˆ½Å ˆÅ¥¡¸¸µ¸ ˆ½Å „œ¸¸¡¸¸Ê œ¸£ ‰¸¸Ä ˆÅ£›¸¸
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2. ¸¸¥¸» ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ‚¸¾£ ¢œ¸Ž¥¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å ¬¸½¨¸¸¢›¸¨¸¼¢î¸ ¥¸¸ž¸¸Ê ˆÅ¸ ¤¡¸¸½£¸À

¸¸¥¸» ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ¢œ¸Ž¥¸¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23

ˆºÅ¥¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆºÅ¥¸ ˆÅ¸Ÿ¸Š¸¸£¸Ê ˆÅ’¸¾÷¸ú ˆÅ£ ˆºÅ¥¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆºÅ¥¸ ˆÅ¸Ÿ¸Š¸¸£¸Ê ˆÅ’¸¾÷¸ú ˆÅ£
ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å œÏ¸¢š¸ˆÅ£µ¸ ˆ½Å ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å œÏ¸¢š¸ˆÅ£µ¸ ˆ½Å
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¢ˆÅ‡ Š¸‡ ¢ˆÅ‡ Š¸‡ ™ú Š¸ƒÄ (í¸Â / ¢ˆÅ‡ Š¸‡ ¢ˆÅ¡¸½ Š¸¡¸½ ™ú Š¸ƒÄ (í¸Â /
ˆÅŸ¸Ä¸¸£ú ˆÅ¸Ÿ¸Š¸¸£ ›¸íú¿ / ¥¸¸Š¸» ˆÅŸ¸Ä¸¸£ú ˆÅ¸Ÿ¸Š¸¸£ ›¸íú¿ / ¥¸¸Š¸»
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ž¸¢¨¸«¡¸ ¢›¸¢š¸ 2.82% 13.04% í¸Â 3.39% 14.63% í¸Â
ŠÏ½¡¸º’ú 100.00% 100.00% í¸Â 100.00% 100.00% í¸Â
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‚›¡¸- 97.18% 86.96% í¸Â# 96.61% 85.37% í¸Â#
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# - ‰¸¸½¥¸½ ›¸ Š¸‡ ¬˜¸¸¡¸ú ¬¸½¨¸¸¢›¸¨¸¼¢î¸ ‰¸¸÷¸¸ ¬¸¿‰¡¸¸ (œ¸ú‚¸£‡‡›¸) ¨¸¸¥¸½ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ Ž¸½”õˆÅ£.
3. ˆÅ¸¡¸Ä ¬˜¸¥¸¸Ê ÷¸ˆÅ œ¸íºÂ¸
Æ¡¸¸ ¢™¨¡¸¸¿Š¸¸›¸ ‚¢š¸ˆÅ¸£ ‚¢š¸¢›¸¡¸Ÿ¸, 2016 ˆÅú ‚œ¸½®¸¸‚¸Ê ˆ½Å ‚›¸º¬¸¸£ ¬¸¿¬˜¸¸ ˆ½Å œ¸¢£¬¸£ / ˆÅ¸¡¸¸Ä¥¸¡¸ ¢™¨¡¸¸¿Š¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ‚¸¾£ ˆÅ¸Ÿ¸Š¸¸£¸Ê
ˆ½Å ¢¥¸‡ ¬¸ºŠ¸Ÿ¡¸ íÿ ? ¡¸¢™ "›¸íì", ÷¸¸½ Æ¡¸¸ ¬¸¿¬˜¸¸ ›¸½ ƒ¬¸ ¬¸¿¤¸¿š¸ Ÿ¸½¿ ˆÅ¸½ƒÄ ˆÅ™Ÿ¸ „“¸‡ íÿ ?
¤¸ÿˆÅ ‚œ¸›¸½ œ¸¢£¬¸£/ˆÅ¸¡¸¸Ä¥¸¡¸¸Ê ˆÅ¸½ ¬¸ž¸ú ˆ½Å ¢¥¸‡ ¬¸º¥¸ž¸ ¤¸›¸¸›¸½ ˆ½Å ¢¥¸‡ œÏ¢÷¸¤¸Ö í¾. 31 Ÿ¸¸¸Ä 2024 ˆ½Å ¤¸ÿˆÅ ˆÅú 2,004 ©¸¸‰¸¸‡Â ˜¸ú¿, ¢¸›¸Ÿ¸Ê ¬¸½ 938 ©¸¸‰¸¸‚¸Ê
Ÿ¸Ê £ÿœ¸ ˆÅú ¬¸º¢¨¸š¸¸ í¾. Ží ©¸¸‰¸¸‚¸Ê Ÿ¸Ê £ÿœ¸ ¬¸º¢¨¸š¸¸‚¸Ê ˆÅ¸ ¢›¸Ÿ¸¸Äµ¸ ˆÅ¸¡¸Ä ¸¸£ú í¾. 298 ©¸¸‰¸¸‚¸Ê Ÿ¸Ê £ÿœ¸ ¬¸º¢¨¸š¸¸ ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ ›¸íú¿ í¾ Æ¡¸¸Ê¢ˆÅ ƒ›¸ ©¸¸‰¸¸‚¸Ê ˆÅ¸
œÏ¨¸½©¸ ׸£ ¬¸”õˆÅ ˆ½Å ¬¸Ÿ¸¸›¸¸¿÷¸£ í¾ ¡¸¸ ¢¥¸É’ ˆÅú ¬¸º¢¨¸š¸¸ „œ¸¥¸¤š¸ í¾. 762 ©¸¸‰¸¸‡Â …œ¸£ú ž¸»÷¸¥¸ ¡¸¸ œ¸í¥¸ú Ÿ¸¿¢¸¥¸ œ¸£ ¦¬˜¸÷¸ íÿ ‚¸¾£ ƒ¬¸¢¥¸‡ ƒ›¸ ©¸¸‰¸¸‚¸Ê
Ÿ¸Ê £ÿœ¸ ˆÅú ¬¸º¢¨¸š¸¸ œÏ™¸›¸ ˆÅ£›¸¸ ¬¸¿ž¸¨¸ ›¸íú¿ í¾.
4. Æ¡¸¸ ¬¸¿¬˜¸¸ ˆ½Å œ¸¸¬¸ ¢™¨¡¸¸¿Š¸¸›¸ ‚¢š¸ˆÅ¸£ ‚¢š¸¢›¸¡¸Ÿ¸, 2016 ˆ½Å ‚›¸º¬¸¸£ ¬¸Ÿ¸¸›¸ ‚¨¸¬¸£ ›¸ú¢÷¸ Ÿ¸¸¾¸»™ í¾ ? ¡¸¢™ í¸Â, ÷¸¸½ „Æ÷¸ ›¸ú¢÷¸ ˆÅú ¨¸½¤¸
¢¥¸¿ˆÅ „œ¸¥¸¤š¸ ˆÅ£¸‡¿.
í¸Â, ¤¸ÿˆÅ ˆÅú ¬¸Ÿ¸¸›¸ ‚¨¸¬¸£ ›¸ú¢÷¸ í¾ ¸¸½ ¬¸¸¨¸Ä¸¢›¸ˆÅ ³Åœ¸ ¬¸½ (httpsÀ//www.idbibank.in/pdf/Equal-Opportunity-Policy-Employees.
pdf) œ¸£ „œ¸¥¸¤š¸ í¾. ¤¸ÿˆÅ ˆÅ¸ ¡¸í œÏ¡¸¸¬¸ í¾ ¢ˆÅ ˆÅ¸¡¸Ä¬˜¸¥¸ œ¸£ ¬¸Ÿ¸¸›¸ ‚¨¸¬¸£ ¬¸¼¢¸÷¸ ˆÅ£ˆ½Å ‚¸¾£ ¢¨¸¢¨¸š¸÷¸¸, ¬¸Ÿ¸¸›¸÷¸¸ ‡¨¸¿ ¬¸Ÿ¸¸¨¸½©¸›¸ (”úƒÄ ‡¨¸¿ ‚¸ƒÄ) ˆÅ¸½
š¡¸¸›¸ Ÿ¸Ê £‰¸÷¸½ íº‡ ÷¸˜¸¸ „¬¸ˆÅ¸ ¬¸ŸŸ¸¸›¸ ˆÅ£÷¸½ íº‡ ‚›¸ºˆ»Å¥¸ ‚¸¾£ ¬¸¸Ÿ¸¿¸¬¡¸œ¸»µ¸Ä ˆÅ¸¡¸Ä ¨¸¸÷¸¸¨¸£µ¸ ¤¸›¸¸‡ £‰¸¸ ¸¸‡. ¤¸ÿˆÅ ‚œ¸›¸½ ¬¸ž¸ú ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ‚¸¾£ ¬¸ž¸ú
¡¸¸½Š¡¸ ‚¸¨¸½™ˆÅ¸Ê ˆÅ¸½ „›¸ˆÅú ¸¸¢÷¸, ¨¸¿©¸, š¸Ÿ¸Ä, £¿Š¸, ¨¸¿©¸¸, ¨¸¾¨¸¸¢íˆÅ ¦¬˜¸¢÷¸, ¢¥¸¿Š¸, ‚¸¡¸º, £¸«’ïú¡¸÷¸¸, ‚®¸Ÿ¸÷¸¸ ‚¸¢™ œ¸£ š¡¸¸›¸ ¢™‡ ¢¤¸›¸¸ ¬¸Ÿ¸¸›¸ ‚¨¸¬¸£ œÏ™¸›¸
ˆÅ£›¸½ ˆÅ¸ œÏ¡¸¸¬¸ ˆÅ£÷¸¸ í¾.
5. ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ¢¥¸‡ œ¸¾÷¸¼ˆÅ ¥¸¸ž¸ ˆÅú Žº’Ã’ú ¥¸½›¸½ ¨¸¸¥¸½ ¬˜¸¸¡¸ú ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ‚¸¾£ ˆÅ¸Ÿ¸Š¸¸£¸Ê ˆÅú ˆÅ¸Ÿ¸ œ¸£ ¨¸¸œ¸¬¸ú ‡¨¸¿ ˆÅ¸Ÿ¸ œ¸£ ¤¸›¸½
£í›¸½ ˆÅú ™£.
¬˜¸¸¡¸ú ˆÅŸ¸Ä¸¸£ú ¬˜¸¸¡¸ú ˆÅ¸Ÿ¸Š¸¸£
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ˆÅ¸Ÿ¸ œ¸£ ¨¸¸œ¸¬¸ú* ¤¸›¸½ £í›¸½ ˆÅú ™£# ˆÅ¸Ÿ¸ œ¸£ ¨¸¸œ¸¬¸ú* ¤¸›¸½ £í›¸½ ˆÅú ™£#
œ¸º²Å«¸ 99.81% 90.89% ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
Ÿ¸¢í¥¸¸ 82.26% 87.37% ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
ˆºÅ¥¸ 92.49% 89.53% ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿
* - ˆÅ¸Ÿ¸ œ¸£ ¨¸¸œ¸¬¸úÀ ¢¸›¸ ‚¢š¸ˆÅ¸¢£¡¸¸Ê ›¸½ ¢œ¸÷¸¼÷¨¸/ Ÿ¸¸÷¸¼÷¨¸ ‚¨¸ˆÅ¸©¸ ˆÅ¸ ¥¸¸ž¸ „“¸¡¸¸ í¾ ‚¸¾£ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ÷¸ˆÅ ¬¸½¨¸¸ Ÿ¸Ê íÿ ˆÅ¸½ ©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
# - ¤¸›¸½ £í›¸½ ˆÅú ™£À ¢¸›¸ ‚¢š¸ˆÅ¸¢£¡¸¸Ê ›¸½ ¢œ¸÷¸¼÷¨¸/ Ÿ¸¸÷¸¼÷¨¸ ‚¨¸ˆÅ¸©¸ ˆÅ¸ ¥¸¸ž¸ „“¸¡¸¸ í¾ ÷¸˜¸¸ 12 Ÿ¸íú›¸¸Ê ˆ½Å ¤¸¸™ ž¸ú ¤¸›¸½ íº‡ íÿ ‚¸¾£ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ÷¸ˆÅ ¬¸½¨¸¸ Ÿ¸Ê
íÿ ˆÅ¸½ ©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.

dm{f©H$ [anmoQ>© Annual Report 2023-24 191

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6. Æ¡¸¸ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ª½¢µ¸¡¸¸Ê ˆ½Å ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ‚¸¾£ ˆÅ¸Ÿ¸Š¸¸£¸Ê ˆÅú ¢©¸ˆÅ¸¡¸÷¸Ê ¬¸º›¸›¸½ ˆÅ¸ ‚¸¾£ „›¸ˆÅ¸ ¢›¸¨¸¸£µ¸ ˆÅ£›¸½ ˆÅ¸ ˆÅ¸½ƒÄ ÷¸¿°¸ Ÿ¸¸¾¸»™ í¾ ?
¡¸¢™ "í¸Â", ÷¸¸½ „¬¸ ÷¸¿°¸ ˆÅ¸ ¤¡¸¸½£¸ ¬¸¿¢®¸œ÷¸ Ÿ¸Ê ™ú¢¸‡.

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¬˜¸¸¡¸ú ˆÅ¸Ÿ¸Š¸¸£¸Ê ¬¸½ ƒ÷¸£ ‚˜¸¸Ä÷¸ i-Hridayo í¾, ¸¸½ ¤¸ÿˆÅ ˆ½Å ƒ¿’︛¸½’ œ¸£ Ÿ¸¸¾¸»™ í¾. ¤¸ÿˆÅ ›¸½ ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅ¸ ¢›¸¨¸¸£µ¸ ˆÅ£›¸½ ˆÅ¸½
¬˜¸¸¡¸ú ˆÅŸ¸Ä¸¸£ú ¬¸º¢¨¸š¸¸¸›¸ˆÅ ¤¸›¸¸›¸½ ˆÅú ´¦«’ ¬¸½ ‚œ¸›¸ú ¢¨¸¢ž¸››¸ ›¸ú¢÷¸¡¸¸Ê, ¢ÇÅ¡¸¸¢¨¸¢š¸¡¸¸Ê ‚¸¾£ œÏ¢ÇÅ¡¸¸‚¸Ê Ÿ¸Ê ‚œ¸ú¥¸ú¡¸ ÷¸¿°¸
ˆÅ¸½ íú ‚¿÷¸ž¸»Ä÷¸ ˆÅ£ ¢¥¸¡¸¸ í¾.
¬˜¸¸¡¸ú ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ¬¸½ ƒ÷¸£
7. ¬¸»¸ú¤¸Ö ¬¸¿¬˜¸¸ ׸£¸ Ÿ¸¸›¡¸÷¸¸œÏ¸œ÷¸ ¬¸¿‹¸ (‹¸¸Ê) ‚˜¸¨¸¸ ¡¸»¢›¸¡¸›¸¸Ê Ÿ¸Ê ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ‚¸¾£ ˆÅ¸Ÿ¸Š¸¸£¸Ê ˆÅú ¬¸™¬¡¸÷¸¸

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¬¸¿¤¸¿¢š¸÷¸ ª½µ¸ú Ÿ¸Ê ¬¸¿¤¸¿¢š¸÷¸ ª½µ¸ú Ÿ¸Ê
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ˆÅ¸Ÿ¸Š¸¸£ ˆºÅ¥¸ ¬¸¿‰¡¸¸ ¸¸½ (¤¸ú/‡) ˆÅ¸Ÿ¸Š¸¸£ ˆºÅ¥¸ ¬¸¿‰¡¸¸ ¸¸½ (”ú/ ¬¸ú)
(‡ ) ¬¸¿‹¸ (‹¸¸Ê) ‚˜¸¨¸¸ (¬¸ú) ¬¸¿‹¸ (‹¸¸Ê) ‚˜¸¨¸¸
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ˆºÅ¥¸ ¬˜¸¸¡¸ú 18,292* 10,686 58.42% 17,016* 10,451 61.42%
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- œ¸º²Å«¸ 12,008 7,597 63.27% 11,180 7,454 66.67%
- Ÿ¸¢í¥¸¸ 6,284 3,089 49.16% 5,836 2,997 51.35%
ˆºÅ¥¸ ¬˜¸¸¡¸ú 721 688 95.42% 834 806 96.64%
ˆÅ¸Ÿ¸Š¸¸£
- œ¸º²Å«¸ 553 553 100.00% 643 643 100.00%
- Ÿ¸¢í¥¸¸ 168 135 80.36% 191 163 85.34%
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™©¸¸Ä÷¸¸ í¾.
8. (ˆÅ) ¬¨¸¸˜¡¸ ‡¨¸¿ ¬¸º£®¸¸ „œ¸¸¡¸¸Ê œ¸£ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ‚¸¾£ ˆÅ¸Ÿ¸Š¸¸£¸Ê ˆÅ¸½ ¢™‡ Š¸¡¸½ œÏ¢©¸®¸µ¸ ˆÅ¸ ¢¨¸¨¸£µ¸À

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œ¸º²Å«¸ 12,008 9,907 82.50% 11,180 1,768 15.81%
Ÿ¸¢í¥¸¸ 6,284 4,881 77.67% 5,836 1,035 17.73%
ˆºÅ¥¸ 18,292 14,788 80.84% 17,016 2,803 16.47%
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œ¸º²Å«¸ 553 501 90.60% 643 539 83.83%
Ÿ¸¢í¥¸¸ 168 154 91.67% 191 170 89.01%
ˆºÅ¥¸ 721 655 90.85% 834 709 85.01%

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Ÿ¸¢í¥¸¸ 168 161 95.83% 191 173 90.58%
ˆºÅ¥¸ 721 668 92.65% 834 698 83.69%

9. ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ‚¸¾£ ˆÅ¸Ÿ¸Š¸¸£¸Ê ˆ½Å ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ‚¸¾£ ˆÅ£ú¡¸£ ¢¨¸ˆÅ¸¬¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ¸ ¤¡¸¸½£¸*:

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œ¸º²Å«¸ 10,938 10,311 94.27% 10,401 10,000 96.14%
Ÿ¸¢í¥¸¸ 5,409 4,827 89.24% 5,144 4,589 89.21%

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œ¸º²Å«¸ 634 611 96.37% 736 732 99.46%
Ÿ¸¢í¥¸¸ 192 188 97.92% 206 206 100.00%

ˆºÅ¥¸ 826 799 96.73% 942 938 99.58%

* - ¬¸¿¢¨¸™¸ œ¸£ ˆÅ¸¡¸Ä£÷¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ Ž¸½”õˆÅ£.
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@ - ˆºÅ¥¸ ˆÅŸ¸Ä¸¸£ú/ˆÅ¸Ÿ¸Š¸¸£ ¸¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ‚¸¾£ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 Ÿ¸Ê Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ¢¥¸‡ œ¸¸°¸ íÿ.
$ - ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å ¬¸¿©¸¸½¢š¸÷¸ ”½’¸ Ÿ¸Ê ‡½¬¸½ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ ©¸¸¢Ÿ¸¥¸ ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ¸¸½ ¬¸½¨¸¸ Ÿ¸Ê ›¸íú¿ íÿ (¬¸½¨¸¸¢›¸¨¸¼÷¸/¨¸ú‚¸£‡¬¸/Ÿ¸¼÷¸ ˆÅŸ¸Ä¸¸£ú) ‚¸¾£ Ÿ¸»¥¡¸¸¿ˆÅ›¸
ˆ½Å ¢¥¸‡ œ¸¸°¸ ›¸íú¿ íÿ.

dm{f©H$ [anmoQ>© Annual Report 2023-24 193

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10. ¬¨¸¸¬˜¡¸ ‚¸¾£ ¬¸º£®¸¸ œÏ¤¸¿š¸›¸ œÏµ¸¸¥¸ú À

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‚¸¾£ ¬¸º£®¸¸ œÏ¤¸¿š¸›¸ œÏµ¸¸¥¸ú ¥¸¸Š¸» ˆÅú Š¸ƒÄ í¾? Ÿ¸¸¾¸»™ í¾. ¤¸ÿˆÅ ›¸½ ‚¦Š›¸ ¬¸º£®¸¸ ¨¡¸¨¸¬˜¸¸, ¬¸ú¬¸ú’ú¨¸ú, œÏ¸˜¸¢Ÿ¸ˆÅ ¢¸¢ˆÅ÷¬¸¸ ¤¸¸ÁƬ¸, ¤¸ÿˆÅ
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ˆÅú ¨¡¸¨¸¬˜¸¸ ˆÅú í¾. ¢ˆÅ¬¸ú œÏ¢÷¸ˆ»Å¥¸ ‹¸’›¸¸ ˆÅú ¢¬˜¸¢÷¸ Ÿ¸Ê ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅú ÷¸¾¡¸¸£ú ¬¸º¢›¸¢ä¸÷¸
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¸¸÷¸½ íÿ.
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11. ¬¸º£®¸¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ‹¸’›¸¸‚¸Ê ˆÅ¸ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ œÏ¸³Åœ¸ Ÿ¸Ê ¤¡¸¸½£¸ À

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13. ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ‚¸¾£ ˆÅ¸Ÿ¸Š¸¸£¸Ê ׸£¸ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê ˆÅú Š¸¡¸ú ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú ¬¸¿‰¡¸¸ À

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14. ¨¸«¸Ä ˆ½Å ¢¥¸‡ Ÿ¸»¥¡¸¸¿ˆÅ›¸ (2023-24)À

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15. ¬¸º£®¸¸ ¬¸¿¤¸¿š¸ú ‹¸’›¸¸‚¸Ê (¡¸¢™ ˆÅ¸½ƒÄ í¸½) ˆÅ¸½ ™»£ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ˆÅú Š¸ƒÄ ¡¸¸ ¸¥¸ £íú ¢ˆÅ¬¸ú ž¸ú ¬¸ºš¸¸£¸÷Ÿ¸ˆÅ ˆÅ¸£Ä¨¸¸ƒÄ ‚¸¾£ ¬¨¸¸¬˜¡¸ ‡¨¸¿ ¬¸º£®¸¸
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‚¸¢™ Ÿ¸¸¾¸»™ íÿ.
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ˆÅ£÷¸ú í¾ ? (í¸Â/›¸íú¿) ¢¨¸¨¸£µ¸ ™Ê.
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2. ¬¸¿¬˜¸¸ ׸£¸ ¡¸í ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¢ˆÅ Ÿ¸»¥¡¸ 帼¿‰¸¥¸¸ ˆ½Å ž¸¸Š¸ú™¸£¸Ê ׸£¸ ¬¸¸¿¢¨¸¢š¸ˆÅ ™½¡¸÷¸¸‚¸Ê ˆÅú ˆÅ’¸¾÷¸ú ˆÅú Š¸ƒÄ ÷¸˜¸¸ „¬¸ £¸¢©¸ ˆÅ¸½
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3. „›¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê/ˆÅ¸Ÿ¸Š¸¸£¸Ê ˆÅú ¬¸¿‰¡¸¸ œÏ™¸›¸ ˆÅ£Ê ¢¸›íÊ ˆÅ¸¡¸Ä ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ‚÷¡¸¢š¸ˆÅ Š¸¿ž¸ú£ ¸¸½’ / ¤¸úŸ¸¸£ú / Ÿ¸¼÷¡¸º íºƒÄ í¾ (¸¾¬¸¸ ¢ˆÅ …œ¸£
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Š¸¡¸¸ í¾ ‚˜¸¨¸¸ ¢¸›¸ˆ½Å œ¸¢£¨¸¸£ ˆ½Å ¬¸™¬¡¸¸Ê ˆÅ¸½ ¡¸˜¸¸¡¸¸½Š¡¸ £¸½¸Š¸¸£ „œ¸¥¸¤š¸ ˆÅ£¸¡¸¸ Š¸¡¸¸ í¾À

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ˆºÅ¥¸ ˆÅŸ¸Ä¸¸£ú 721 664 92.09% 834 698 83.69%
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11. „œ¸¡¸ºÄÆ÷¸ œÏ©›¸ 9 ˆ½Å Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¬¸½ „÷œ¸››¸ íºƒÄ Ÿ¸í÷¨¸œ¸»µ¸Ä ¸¸½¢‰¸Ÿ¸¸Ê / Ÿ¸ºÓ¸Ê ˆÅ¸ ¬¸Ÿ¸¸š¸¸›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ˆÅú Š¸ƒÄ ¡¸¸ ˆÅú ¸¸ £íú ¬¸ºš¸¸£¸÷Ÿ¸ˆÅ
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1. Ÿ¸¸›¸¨¸¸¢š¸ˆÅ¸£ ¬¸¿¤¸¿š¸ú ¢©¸ˆÅ¸¡¸÷¸¸Ê/Ÿ¸ºÓ¸Ê ˆ½Å ¢›¸œ¸’¸›¸½ ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ ¬¸¿©¸¸½¢š¸÷¸ ˆÅú ¸¸ £íú / ¥¸¸Š¸» ˆÅú Š¸¡¸ú ˆÅ¸£¸½¤¸¸£ú œÏ¢ÇÅ¡¸¸ ˆÅ¸ ¤¡¸¸½£¸.

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2. ¢ˆÅ¬¸ú ž¸ú Ÿ¸¸›¸¨¸¸¢š¸ˆÅ¸£ ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ¬¸Ÿ¡¸ˆÅ ÷¸÷œ¸£÷¸¸ ˆÅ¸ ™¸¡¸£¸ ‚¸¾£ ¨¡¸¸¦œ÷¸ ¬¸¿¤¸¿š¸ú ¢¨¸¨¸£µ¸ ™Ê.

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ˆÅú ¨¡¸¨¸¬˜¸¸ ˆÅú í¾. 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¤¸ÿˆÅ ˆÅú 2,004 ©¸¸‰¸¸‡¿ ˜¸ú¿ ¢¸›¸Ÿ¸Ê ¬¸½ 938 ©¸¸‰¸¸‚¸Ê Ÿ¸Ê £ÿœ¸ ˆÅú ¬¸º¢¨¸š¸¸ í¾. Ží ©¸¸‰¸¸‚¸Ê Ÿ¸Ê £ÿœ¸ ¬¸º¢¨¸š¸¸‚¸Ê ˆÅ¸
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24 ˆ½Å ¢¥¸‡ 2023 ˆ½Å Ÿ¸»¥¡¸ œ¸£ ¢¨¸¸¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å ¢¥¸‡ 2022 ˆ½Å Ÿ¸»¥¡¸ œ¸£ ¢¨¸¸¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
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6. ˆ¼Åœ¸¡¸¸ ¬¸¿¬˜¸¸ ׸£¸ ¨¸¸¡¸º „÷¬¸¸Ä›¸ (¸ú‡¸¸ú „÷¬¸¸Ä›¸ ˆ½Å ‚¥¸¸¨¸¸) ˆÅ¸ ¢¨¸¨¸£µ¸ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ œÏ¸³Åœ¸ Ÿ¸Ê œÏ¬÷¸º÷¸ ˆÅ£ÊÀ

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‡›¸ ‚¸½ ‡Æ¬¸ ¢ˆÅ¥¸¸½ ŠÏ¸Ÿ¸ 2,856.88 6.49
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¤¸¸í£ú ‡¸Ê¬¸ú ˆÅ¸ ›¸¸Ÿ¸ ¤¸÷¸¸‡¿.
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7. ˆ¼Åœ¸¡¸¸ ŠÏú›¸í¸„¬¸ Š¸¾¬¸ „÷¬¸¸Ä›¸ (®¸½°¸ 1 ‚¸¾£ ®¸½°¸ 2 „÷¬¸¸Ä›¸) ‚¸¾£ ƒ¬¸ˆÅú ÷¸ú¨Ï÷¸¸ ˆÅ¸ ¢¨¸¨¸£µ¸ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ œÏ¸³Åœ¸ Ÿ¸Ê œÏ™¸›¸ ˆÅ£ÊÀ
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‚¥¸Š¸-‚¥¸Š¸ ¢¨¸¨¸£µ¸, ¡¸¢™ „œ¸¥¸¤š¸ í¸½).
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¡¸¢™ í¸Â, ÷¸¸½ „¬¸ ¤¸¸í£ú ‡¸Ê¬¸ú ˆÅ¸ ›¸¸Ÿ¸ ¤¸÷¸¸‡¿.
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¢£œ¸¸½’Ä ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
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„÷¬¸¸Ä›¸ ˆÅ¸½ ž¸¸Š¸ ™½ˆÅ£ ˆÅú Š¸ƒÄ í¾.

dm{f©H$ [anmoQ>© Annual Report 2023-24 207

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2023-24 Ÿ¸Ê ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ˆÅ™Ÿ¸ „“¸‡ íÿ.
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&- ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ¢¥¸‡ œ¸»µ¸ÄˆÅ¸¢¥¸ˆÅ ˆÅŸ¸Ä¸¸£ú ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚œ¸¢©¸«’ ÷¸ú¨Ï÷¸¸ ˆÅú Š¸µ¸›¸¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ „÷œ¸››¸ ‚œ¸¢©¸«’ ˆÅ¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¤¸ÿˆÅ ˆ½Å ˆºÅ¥¸
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ˆÅ¸ 22.71% í¾. ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å ¢¥¸‡ œ¸»µ¸ÄˆÅ¸¢¥¸ˆÅ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚œ¸¢©¸«’ ÷¸ú¨Ï÷¸¸ ˆÅú Š¸µ¸›¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¤¸ÿˆÅ ˆ½Å ˆºÅ¥¸ ¬˜¸¸¡¸ú ˆÅŸ¸Ä¸¸¢£¡¸¸Ê
‚¸¾£ ¬˜¸¸¡¸ú ˆÅ¸Ÿ¸Š¸¸£¸Ê ׸£¸ „÷œ¸››¸ ‚œ¸¢©¸«’ ˆÅ¸½ ¢¨¸ž¸¸¢¸÷¸ ˆÅ£ˆ½Å ˆÅú Š¸ƒÄ í¾. 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸ Ÿ¸Ê ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅú ¬¸¿‰¡¸¸ ¤¸ÿˆÅ ˆ½Å ˆºÅ¥¸ ˆÅŸ¸Ä¸¸£ú ¬¸¿‰¡¸¸
ˆÅ¸ 7.86% ˜¸ú.

dm{f©H$ [anmoQ>© Annual Report 2023-24 209

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£¬¸¸¡¸›¸¸Ê ˆ½Å „œ¸¡¸¸½Š¸ ˆÅ¸½ ˆÅŸ¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‚¸œ¸ˆÅú ˆ¿Åœ¸›¸ú ›¸½ ‡½¬¸½ ˆÅ¸£½ ˆ½Å œÏ¤¸¿š¸›¸ ˆ½Å ¢¥¸‡ Æ¡¸¸ £µ¸›¸ú¢÷¸¡¸¸¿ ‡¨¸¿ œÏ˜¸¸‡¿ ‚œ¸›¸¸¡¸ú í¾. „›¸ˆÅ¸
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„÷œ¸››¸ í¸½›¸½ ˆ½Å 180 ¢™›¸¸Ê ˆ½Å ž¸ú÷¸£ ›¸«’ ˆÅ£ ¢™¡¸¸ ¸¸¡¸½. „œ¸¡¸ºÄÆ÷¸ ¬¸¸£¸ ˆÅ¸£½ ˆÅ¸ ¢›¸œ¸’¸›¸ œ¸¿¸úˆ¼Å÷¸ £ú-¬¸¸ƒˆÅ¥¸¬¸Ä ˆÅ¸½ íú ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¤¸ÿˆÅ ›¸½ „÷œ¸››¸
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11. ¡¸¢™ ¬¸¿¬˜¸¸ ˆ½Å œ¸¢£¸¸¥¸›¸/ˆÅ¸¡¸¸Ä¥¸¡¸ œ¸¸¢£¦¬˜¸¢÷¸ˆÅ ³Åœ¸ ¬¸½ ¬¸¿¨¸½™›¸©¸ú¥¸ ®¸½°¸¸Ê Ÿ¸Ê ‚˜¸¨¸¸ „¬¸ˆ½Å ‚¸¬¸ œ¸¸¬¸ ¦¬˜¸÷¸ íÿ, (¸¾¬¸½ ›¸¾©¸›¸¥¸ œ¸¸ˆÄÅ,
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Ÿ¸¿¸»£ú ‚¸¨¸©¡¸ˆÅ í¾, ˆ¼Åœ¸¡¸¸ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ œÏ¸³Åœ¸ Ÿ¸Ê ¢¨¸¨¸£µ¸ œÏ¬÷¸º÷¸ ˆÅ£Ê.

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¬¸ºš¸¸£¸÷Ÿ¸ˆÅ „œ¸¸¡¸, ¡¸¢™ ˆÅ¸½ƒÄ í¸½.
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12. ¸¸¥¸» ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 Ÿ¸Ê ¥¸¸Š¸» ˆöŸ›¸»›¸¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ¬¸¿¬˜¸¸ ׸£¸ ¢ˆÅ‡ Š¸‡ œ¸¢£¡¸¸½¸›¸¸‚¸Ê ˆ½Å œ¸¡¸¸Ä¨¸£µ¸ú¡¸ œÏž¸¸¨¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ¸
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dm{f©H$ [anmoQ>© Annual Report 2023-24 211

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6. ¢¨¸±¸¸œ¸›¸ ‚¸¾£ ‚¸¨¸©¡¸ˆÅ ¬¸½¨¸¸‚¸Ê ˆÅú ¬¸ºœ¸º™ÄŠ¸ú; ¬¸¸ƒ¤¸£ ¬¸º£®¸¸, ŠÏ¸íˆÅ¸Ê ˆÅú ”½’¸ Š¸¸½œ¸›¸ú¡¸÷¸¸; „÷œ¸¸™¸½¿ ˆÅ¸½ ¨¸¸œ¸¬¸ ¥¸½›¸½ ˆ½Å „™¸í£µ¸¸Ê ˆÅú
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ŠÏ¸íˆÅ¸Ê ˆÅú ”½’¸ Š¸¸½œ¸›¸ú¡¸÷¸¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ‡½¬¸ú ¢ˆÅ¬¸ú ‹¸’›¸¸ ˆÅ¸ ¬¸¸Ÿ¸›¸¸ ›¸íú¿ ˆÅ£›¸¸ œ¸”õ¸ í¾. ‡½¬¸ú ˆÅ¸½ƒÄ ž¸ú ‹¸’›¸¸ í¸½›¸½ œ¸£ ¢›¸š¸¸Ä¢£÷¸ ¢™©¸¸-¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£
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1. ¸¾›¸¥¸ / œ¥¸¾’ûŸÁŸ¬¸Ä ¸í¸¿ œ¸£ ¬¸¿¬˜¸¸ ˆÅú ¡¸¸½¸›¸¸‚¸Ê ‚¸¾£ ¬¸½¨¸¸‚¸Ê ÷¸ˆÅ œ¸íº¿¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾ (¡¸¢™ ¬¸¿ž¸¨¸ í¾, ÷¸¸½ ¨¸½¤¸ ¢¥¸¿ˆÅ œÏ™¸›¸ ˆÅ£Ê).
¤¸ÿˆÅ ˆÅú ¡¸¸½¸›¸¸‚¸Ê ‚¸¾£ ¬¸½¨¸¸‚¸Ê ˆ½Å ¤¸¸£½ Ÿ¸Ê ¸¸›¸ˆÅ¸£ú ¤¸ÿˆÅ ˆÅú ¨¸½¤¸¬¸¸ƒÄ’ (www.idbibank.in) œ¸£ „œ¸¥¸¤š¸ í¾ ÷¸˜¸¸ ¤¸ÿˆÅ ˆÅú ¡¸¸½¸›¸¸‚¸Ê ‚¸¾£ ¬¸½¨¸¸‚¸Ê ˆ½Å
¬¸¿¤¸¿š¸ Ÿ¸Ê ¡¸¸½¸›¸¸‚¸Ê ˆ½Å œ¸¸½¬’ ¤¸ÿˆÅ ˆ½Å ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ¬¸¸½©¸¥¸ Ÿ¸ú¢”¡¸¸ œ¥¸¾’ûŸÁŸ¬¸Ä œ¸£ ž¸ú „œ¸¥¸¤š¸ í¾ :
• û½Å¬¸¤¸ºˆÅ (https://www.facebook.com/IDBIBank/)
• ¦’踒£ (https://twitter.com/idbi_bank)

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• ƒ¿¬’¸ŠÏ¸Ÿ¸ (https://www.instagram.com/idbibankofficial/)
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2. ¡¸¸½¸›¸¸‚¸Ê ‚¸¾£/‚˜¸¨¸¸ ¬¸½¨¸¸‚¸Ê ˆÅ¸ ¬¸º£¢®¸÷¸ ‚¸¾£ ¢¸ŸŸ¸½™¸£ ÷¸£úˆ½Å ¬¸½ „œ¸¡¸¸½Š¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ¬¸»¢¸÷¸ ‚¸¾£ ¢©¸¢®¸÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡
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ˆÅú £¸½ˆÅ˜¸¸Ÿ¸ ˆ½Å ¢¥¸‡ ¸¸Š¸³ÅˆÅ÷¸¸ ˆÅ¸½ ¤¸õ¸›¸¸ í¾. ¡¸½ œ¸í¥¸ ‡¬¸‡Ÿ¸‡¬¸/ƒÄŸ¸½¥¸, ¬¸¸½©¸¥¸ Ÿ¸ú¢”¡¸¸, ¤¸ÿˆÅ ¨¸½¤¸¬¸¸ƒ’, ‡’ú‡Ÿ¸, Š¸¸½ Ÿ¸¸½¤¸¸ƒ¥¸+, ƒ¿’£›¸½’ ¤¸ÿ¢ˆ¿ÅŠ¸, ©¸¸‰¸¸
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ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ¢©¸¢®¸÷¸ ˆÅ£›¸½ ‚¸¾£ „›íÊ ¢¸ŸŸ¸½™¸£ú ¬¸½ ¬¸½¨¸¸‚¸Ê ˆÅ¸ ¥¸¸ž¸ „“¸›¸½ Ÿ¸Ê ¬¸®¸Ÿ¸ ¤¸›¸¸›¸½ ˆ½Å ¢¥¸‡, ¤¸ÿˆÅ ›¸½ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ž¸½¸½ ¸¸›¸½ ¨¸¸¥¸½
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©¸¸¢Ÿ¸¥¸ í¾. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, ¤¸Ê¸Ÿ¸¸ˆÄÅ ™£¸Ê Ÿ¸Ê „š¨¸ÄŠ¸¸Ÿ¸ú ¬¸¿©¸¸½š¸›¸ ˆ½Å ˆÅ¸£µ¸ ¤¡¸¸¸ ™£ Ÿ¸Ê ¢ˆÅ¬¸ú ž¸ú ¤¸õ¸½÷¸£ú ˆ½Å œ¸¢£´©¡¸ Ÿ¸Ê, ŠÏ¸íˆÅ¸Ê ˆÅ¸½ „œ¸¥¸¤š¸ ¢¨¸ˆÅ¥œ¸¸Ê ˆ½Å
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3. ‚¸¨¸©¡¸ˆÅ ¬¸½¨¸¸‚¸Ê Ÿ¸Ê ¤¸¸š¸¸ / ‚¢›¸£¿÷¸£÷¸¸ í¸½›¸½ ˆÅ¸ ˆÅ¸½ƒÄ ¸¸½¢‰¸Ÿ¸ „÷œ¸››¸ í¸½›¸½ œ¸£ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ¸¸›¸ˆÅ¸£ú ™½›¸½ ˆ½Å ¢¥¸‡ „œ¸¥¸¤š¸ ÷¸¿°¸.
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›¸¸½¢’¬¸, Ÿ¸¸½¤¸¸ƒ¥¸ ‡¦œ¥¸ˆ½Å©¸›¸ ¤¸¾›¸£, ‡¬¸‡Ÿ¸‡¬¸ ‚¥¸’Ä, ˆÅ¸Á¥¸ ‚¸¢™ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¬¸»¢¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¢ˆÅ¬¸ú ž¸ú ¬˜¸¸›¸ œ¸£ ˆÅ¸½ƒÄ ‰¸£¸¤¸ú ‚¸›¸½ ˆÅú Š¸¿ž¸ú£
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¤¸ÿˆÅ ˆÅú ¡¸¸½¸›¸¸‚¸Ê ‚¸¾£ ¬¸½¨¸¸‚¸Ê ˆ½Å ¤¸¸£½ Ÿ¸Ê ¤¸ÿˆÅ ˆÅú ¨¸½¤¸¬¸¸ƒ’ (www.idbibank.in) ‚¸¾£ ¬¸¸½©¸¥¸ Ÿ¸ú¢”¡¸¸ œ¥¸½’ûŸÁŸ¸Ä œ¸£ œ¸»£ú ¸¸›¸ˆÅ¸£ú „œ¸¥¸¤š¸ í¾. ¤¸ÿˆÅ
©¸¸‰¸¸‚¸Ê ‚¸¾£ ‡’ú‡Ÿ¸ ¸¾¬¸½ ¢¨¸¢ž¸››¸ ¬¸¿œ¸ˆÄÅ ¢¤¸¿™º‚¸Ê œ¸£ ‚œ¸›¸ú œ¸½©¸ˆÅ©¸ ‚¸¾£ ¬¸º¢¨¸š¸¸‚¸Ê ˆÅ¸½ œÏŸ¸º‰¸÷¸¸ ¬¸½ œÏ™¢©¸Ä÷¸ ˆÅ£÷¸¸ í¾. ¤¸ÿˆÅ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ‚œ¸›¸½
ŠÏ¸íˆÅ¸Ê ˆ½Å ¬¸¸˜¸ ¡¸¸½¸›¸¸‚¸½¿ ‚¸¾£ ¬¸½¨¸¸‚¸Ê ˆ½Å ¤¸¸£½ Ÿ¸Ê ŠÏ¸íˆÅ¸Ê ˆÅ¸ ûÅú”¤¸¾ˆÅ œ¸¸›¸½ ˆ½Å ¢¥¸‡ „›¸¬¸½ ¤¸¸÷¸¸ú÷¸ ˆÅ£÷¸¸ í¾. ¤¸ÿˆÅ ¨¸¸¢«¸ÄˆÅ ‚¸š¸¸£ œ¸£ ŠÏ¸íˆÅ ¬¸¿÷¸º¦«’ ¬¸¨¸½Ä®¸µ¸
ž¸ú ˆÅ£÷¸¸ í¾.

dm{f©H$ [anmoQ>© Annual Report 2023-24 219

‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” (`¤¸ÿˆÅ') Ÿ¸Ê ¢¸¦›í÷¸ ¬¸¿š¸¸£µ¸ú¡¸÷¸¸ ¬¸»¸›¸¸ œ¸£ ¬¨¸÷¸¿°¸ ¨¡¸¨¸¬¸¸¡¸ú ˆÅú „¢¸÷¸ ‚¸æ¸¸¬¸›¸ ¢£œ¸¸½’Ä, 1 ‚œÏ¾¥¸ 2023 ¬¸½ 31
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8. ퟸ›¸½ ‚œ¸›¸ú ¬¨¸÷¸¿°¸÷¸¸ ¤¸›¸¸‡ £‰¸ú í¾ ‚¸¾£ œ¸º¦«’ ˆÅ£÷¸½ íÿ ¢ˆÅ ퟸ›¸½ ƒ¿¬’ú’ḻ’ ‚¸ÁûÅ ¸¸’Ä”Ä ‚ˆÅ¸„¿’ʒì¸ ‚¸ÁûÅ ƒ¿¢”¡¸¸ (‚¸ƒÄ¬¸ú‡‚¸ƒÄ) ‚¸¾£ 12 ¸º¥¸¸ƒÄ 2023
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9. ퟸ Š¸ºµ¸¨¸î¸¸ ¢›¸¡¸¿°¸µ¸ Ÿ¸¸›¸ˆÅ (‡¬¸Æ¡¸»¬¸ú) 1, "‡½¢÷¸í¸¢¬¸ˆÅ ¢¨¸î¸ú¡¸ ¸¸›¸ˆÅ¸£ú ˆÅú ¥¸½‰¸¸ œ¸£ú®¸¸ ‚¸¾£ ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸½ ¨¸¸¥¸ú ûÅŸ¸¸½ô ÷¸˜¸¸ ‚›¡¸ ‚¸æ¸¸¬¸›¸
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• ¢£œ¸¸½¢’ôŠ¸ ¬¸úŸ¸¸ ˆ½Å ‚÷¸¿Š¸Ä÷¸ ‚›¸º¤¸¿š¸-‚¸ Ÿ¸Ê ¬¸»¸ú¤¸Ö œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸ ‚¸¾£ ‚›¡¸ ¬˜¸¸›¸¸Ê œ¸£ ¢¸¦›í÷¸ ¬¸¿š¸¸£µ¸ú¡¸÷¸¸ ¸¸›¸ˆÅ¸£ú ˆÅú œÏ¢ÇÅ¡¸¸‚¸Ê, ¢£ˆÅ¸Á¢”ôŠ¸
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• ‡½¢÷¸í¸¢¬¸ˆÅ ‚¸¿ˆÅ”õ¸Ê Ÿ¸Ê œÏ¨¸¼¢î¸¡¸¸Ê ˆÅ¸ ¢¨¸©¥¸½«¸µ¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¢¨¸©¥¸½«¸µ¸¸÷Ÿ¸ˆÅ œÏ¢ÇÅ¡¸¸‡¿ ¢›¸«œ¸¸¢™÷¸ ˆÅú¿ ÷¸˜¸¸ ÷¸™›¸º¬¸¸£ ¸¸¥¸» ¨¸«¸Ä Ÿ¸Ê ¢£œ¸¸½’Ä ¢ˆÅ‡ Š¸‡
‚¸¿ˆÅ”õ¸Ê ˆÅú ÷¸ˆÄŬ¸¿Š¸÷¸÷¸¸ ˆÅ¸ œ¸÷¸¸ ¥¸Š¸¸¡¸¸.
ퟸ¸£¸ Ÿ¸¸›¸›¸¸ í¾ ¢ˆÅ ퟸ›¸½ ¸¸½ ¬¸¸®¡¸ œÏ¸œ÷¸ ¢ˆÅ‡ íÿ ¨¸½ ퟸ¸£½ „¢¸÷¸ ‚¸æ¸¸¬¸›¸ ¢›¸«ˆÅ«¸Ä ˆ½Å ¢¥¸‡ ‚¸š¸¸£ œÏ™¸›¸ ˆÅ£›¸½ í½÷¸º œ¸¡¸¸Äœ÷¸ ‚¸¾£ „œ¸¡¸ºÆ÷¸ íÿ.

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17. ퟸ¸£½ ‚¸æ¸¸¬¸›¸ ˆ½Å ™¸¡¸£½ Ÿ¸½¿ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ©¸¸¢Ÿ¸¥¸ ›¸íú¿ íÿ ‚¸¾£ ƒ¬¸¢¥¸‡ ퟸ ƒ›¸ œ¸£ ˆÅ¸½ƒÄ ¢›¸«ˆÅ«¸Ä ¨¡¸Æ÷¸ ›¸íú¿ ˆÅ£÷¸½ íÿÀ
• "‚¸æ¸¸¬¸›¸ ˆ½Å ™¸¡¸£½" Ÿ¸Ê „¦¥¥¸¢‰¸÷¸ ˆ½Å ‚¥¸¸¨¸¸ ¤¸ÿˆÅ ˆ½Å ‚›¡¸ œ¸¢£¸¸¥¸›¸.
• ¢¸¦›í÷¸ ¬¸¿š¸¸£µ¸ú¡¸÷¸¸ ¸¸›¸ˆÅ¸£ú ˆ½Å ‚¥¸¸¨¸¸ ¤¸ú‚¸£‡¬¸‚¸£ ‚¸¾£ ”½’¸/¸¸›¸ˆÅ¸£ú (Š¸ºµ¸¸÷Ÿ¸ˆÅ ¡¸¸ Ÿ¸¸°¸¸÷Ÿ¸ˆÅ) ˆ½Å œ¸í¥¸».
• ¢›¸š¸¸Ä¢£÷¸ ¢£œ¸¸½¢’ôŠ¸ ‚¨¸¢š¸ ‚˜¸¸Ä÷¸ 1 ‚œÏ¾¥¸ 2023 ¬¸½ 31 Ÿ¸¸¸Ä 2024 ¬¸½ ¤¸¸í£ ˆ½Å ”½’¸ ‚¸¾£ ¸¸›¸ˆÅ¸£ú.
• ¤¸ÿˆÅ ׸£¸ œÏ™¸›¸ ¢ˆÅ‡ Š¸‡ ¢¨¸¨¸£µ¸ ¢¸›¸Ÿ¸Ê ‚¢ž¸Ÿ¸÷¸, ¢¨¸æ¸¸¬¸, ‚¸ˆÅ¸¿®¸¸, ‚œ¸½®¸¸, „Ó½©¡¸ ‚˜¸¨¸¸ ž¸¢¨¸«¡¸ ˆ½Å ƒ£¸™¸Ê ˆÅú ‚¢ž¸¨¡¸¢Æ÷¸ ˆÅú Š¸ƒÄ í¾.
• ‚›¸º¤¸¿š¸-‚¸ Ÿ¸Ê ¢™‡ Š¸‡ ¬˜¸¸›¸¸Ê ˆ½Å ‚¥¸¸¨¸¸ ¤¸ÿˆÅ ˆÅú ‹¸£½¥¸» ‚¸¾£ ‚¿÷¸£¸Ä«’ïú¡¸ ©¸¸‰¸¸‚¸Ê ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ”½’¸ ‚¸¾£ ¬¸»¸›¸¸.
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18. ‚›¡¸ ¸¸›¸ˆÅ¸£ú ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆÅ¸ œÏ¤¸¿š¸›¸ ¢¸ŸŸ¸½™¸£ í¾. ‚›¡¸ ¸¸›¸ˆÅ¸£ú Ÿ¸Ê ¤¸ú‚¸£‡¬¸‚¸£ ‚¸¾£ ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä Ÿ¸Ê ™ú Š¸ƒÄ ¸¸›¸ˆÅ¸£ú ©¸¸¢Ÿ¸¥¸ í¾, ¢¸¦›í÷¸
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19. ¢¸¦›í÷¸ ¬¸¿š¸¸£µ¸ú¡¸÷¸¸ ¸¸›¸ˆÅ¸£ú œ¸£ ퟸ¸£½ ¢›¸«ˆÅ«¸Ä Ÿ¸Ê ‚›¡¸ ¸¸›¸ˆÅ¸£ú ©¸¸¢Ÿ¸¥¸ ›¸íú¿ í¾ ‚¸¾£ ퟸ „¬¸ œ¸£ ¢ˆÅ¬¸ú ž¸ú œÏˆÅ¸£ ˆÅ¸ ‚¸æ¸¸¬¸›¸ ¨¡¸Æ÷¸ ›¸íú¿ ˆÅ£÷¸½ íÿ.
20. ¢¸¦›í÷¸ ¬¸¿š¸¸£µ¸ú¡¸÷¸¸ ¸¸›¸ˆÅ¸£ú ˆ½Å ¤¸¸£½ Ÿ¸Ê ퟸ¸£½ ‚¸æ¸¸¬¸›¸ ˆÅ¸¡¸Ä ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ퟸ¸£ú ¢¸ŸŸ¸½™¸£ú ‚›¡¸ ¸¸›¸ˆÅ¸£ú ˆÅ¸½ œ¸õ›¸¸ ‚¸¾£ ‡½¬¸¸ ˆÅ£÷¸½ ¬¸Ÿ¸¡¸ ƒ¬¸ ¤¸¸÷¸ œ¸£
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21. ¡¸¢™, ퟸ¸£½ ׸£¸ ¢ˆÅ‡ Š¸‡ ˆÅ¸¡¸Ä ˆ½Å ‚¸š¸¸£ œ¸£, ퟸ ƒ¬¸ ¢›¸«ˆÅ«¸Ä œ¸£ œ¸íºÂ¸÷¸½ íÿ ¢ˆÅ ƒ¬¸ ‚›¡¸ ¸¸›¸ˆÅ¸£ú Ÿ¸Ê ˆÅ¸½ƒÄ Ÿ¸í÷¨¸œ¸»µ¸Ä ¢Ÿ¸˜¡¸¸ ˆÅ˜¸›¸ í¾ ÷¸¸½ íŸ¸Ê „¬¸ ÷¸˜¡¸
ˆÅ¸½ ¢£œ¸¸½’Ä ˆÅ£›¸¸ í¾. ƒ¬¸ ¬¸¿¤¸¿š¸ Ÿ¸Ê ¢£œ¸¸½’Ä ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ˆºÅŽ ž¸ú ›¸íú¿ í¾.
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22.
(ˆÅ) ¤¸ÿˆÅ ƒ¬¸ˆ½Å œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸, 2004 ©¸¸‰¸¸‚¸Ê (‡ˆÅ ‚¿÷¸£¸Ä«’ïú¡¸ ©¸¸‰¸¸ ¬¸¢í÷¸), ±¸¸›¸¸¸Ä›¸ ˆ½Å›Í¸Ê ¬¸¢í÷¸ 225 ‚›¡¸ ˆÅ¸¡¸¸Ä¥¸¡¸¸Ê ¬¸½ œ¸¢£¸¸¢¥¸÷¸ ˆÅ£÷¸¸
í¾. ¢£œ¸¸½¢’ôŠ¸ ˆ½Å ¢¥¸‡ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ¸¸›¸ˆÅ¸£ú œ¸£ ¢¨¸¸¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾À
i. ¢¬¸Ö¸¿÷¸ 6, ‚¸¨¸©¡¸ˆÅ ¬¸¿ˆ½Å÷¸ˆÅ¸Ê ˆÅ¸ œÏ©›¸ 7
ii. ¢¬¸Ö¸¿÷¸ 6, ‚¸¨¸©¡¸ˆÅ ¬¸¿ˆ½Å÷¸ˆÅ¸Ê ˆÅ¸ œÏ©›¸ 3 ‡¨¸¿ 4
iii. ¢¬¸Ö¸¿÷¸ 6, ‚¸¨¸©¡¸ˆÅ ¬¸¿ˆ½Å÷¸ˆÅ¸Ê ˆÅ¸ œÏ©›¸ 1
iv. ¢¬¸Ö¸¿÷¸ 6, ‚¸¨¸©¡¸ˆÅ ¬¸¿ˆ½Å÷¸ˆÅ¸Ê ˆÅ¸ œÏ©›¸ 9 (‚›¸º¤¸¿š¸ ‚¸ (ii))
¸¸›¸ˆÅ¸£ú ¢£œ¸¸½’Ä ˆ½Å ‚›¸º¤¸¿š¸ ‚¸ Ÿ¸Ê ¬¸»¸ú¤¸Ö ˆ½Å¨¸¥¸ ¤¸ÿˆÅ ˆ½Å Ÿ¸º¿¤¸ƒÄ ¦¬˜¸÷¸ œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸, ƒ¬¸ˆ½Å ¤¸½¥¸¸œ¸º£ ¦¬˜¸÷¸ ˆÅ¸¡¸¸Ä¥¸¡¸, í¾™£¸¤¸¸™ ¦¬˜¸÷¸ œÏ¢©¸®¸µ¸
ˆÅ¸Á¥¸½¸ ‚¸¾£ 14 ‚¿¸¥¸ ˆÅ¸¡¸¸Ä¥¸¡¸¸Ê ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ í¾. 2,004 ©¸¸‰¸¸‚¸Ê ‚¸¾£ 208 ˆÅ¸¡¸¸Ä¥¸¡¸¸Ê ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¸¸›¸ˆÅ¸£ú ¢›¸š¸¸Ä¢£÷¸ ›¸íì íºƒÄ í¾ ‚¸¾£ „œ¸¡¸ºÄÆ÷¸
œÏ©›¸¸Ê/¬¸¿ˆ½Å÷¸ˆÅ¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢£œ¸¸½¢’ôŠ¸ ˆ½Å „Ó½©¡¸ ˆ½Å ¢¥¸‡ ƒ›¸ œ¸£ ¢¨¸¸¸£ ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ÷¸™Ã›¸º¬¸¸£, ƒ¬¸ ¢¬¸Ö¸¿÷¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢£œ¸¸½¢’ôŠ¸ ‚¸¾£ ƒ¬¸Ÿ¸Ê
¢£œ¸¸½’Ä ¢ˆÅ¡¸½ Š¸¡¸½ ‚›¸ºœ¸¸÷¸ ¤¸ÿˆÅ ¬÷¸£ú¡¸ ¸¸›¸ˆÅ¸£ú ˆÅ¸ ¢›¸³Åœ¸µ¸ ›¸íú¿ ˆÅ£÷¸½ íÿ.
‰¸) ƒ¬¸ˆ½Å ‚¢÷¸¢£Æ÷¸, ¢£œ¸¸½’Ä ˆ½Å ‚›¸º¤¸¿š¸ ‚¸ Ÿ¸Ê ¬¸»¸ú¤¸Ö 17 ¬˜¸¸›¸¸Ê Ÿ¸Ê ¬¸½, ¸¾¬¸¸ ¢ˆÅ ¤¸ú‚¸£‡¬¸‚¸£ ˆ½Å ‚›¸ºž¸¸Š¸ Š¸ ˆ½Å `¢¬¸Ö¸¿÷¸ 6' "ˆÅ¸£¸½¤¸¸£¸½¿ ˆÅ¸½
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‚¸¨¸©¡¸ˆÅ ¬¸¿ˆ½Å÷¸ˆÅ 3 "¸¥¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¢¨¸¨¸£µ¸" ˆÅú ¢£œ¸¸½’Ä Ÿ¸Ê ¤¸ÿˆÅ ›¸½ "¸¥¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¢¨¸¨¸£µ¸" ¬¸¿ˆ½Å÷¸ˆÅ¸Ê ˆ½Å œ¸»µ¸Ä ‚¸¾£ ¬¸’úˆÅ œÏˆÅ’›¸ ¢›¸š¸¸Ä¢£÷¸
ˆÅ£›¸½ ¢¥¸‡ ¤¸ú‚¸£‡¬¸‚¸£ ¢›¸™½Ä¢©¸ˆÅ¸ ›¸¸½’ ˆ½Å ‚¿÷¸Š¸Ä÷¸ œÏ™¸›¸ ¢ˆÅ‡ Š¸‡ ´¦«’ˆÅ¸½µ¸ ˆÅú ¤¸¸¸¡¸ 11 ¬˜¸¸›¸¸Ê ˆ½Å ¢¥¸‡ ‚œÏ÷¡¸®¸ ‚›¸ºŸ¸¸›¸¸Ê ˆÅ¸ „œ¸¡¸¸½Š¸ ¢ˆÅ¡¸¸
í¾. 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‚¸¾£ ƒ¬¸ ¢÷¸¢˜¸ ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ "¸¥¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¢¨¸¨¸£µ¸" ˆ½Å ÷¸í÷¸ œÏˆÅ’ ¢ˆÅ‡ Š¸‡ Ÿ¸»¥¡¸¸Ê ˆÅú œ¸»µ¸Ä÷¸¸ ‚¸¾£ ¬¸’úˆÅ÷¸¸
ˆÅú ¸¸¿¸ í½÷¸º œ¸¡¸¸Äœ÷¸ „¢¸÷¸ œÏŸ¸¸µ¸ ˆ½Å ‚ž¸¸¨¸ Ÿ¸Ê, 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‚¸¾£ ƒ¬¸ ¢÷¸¢˜¸ ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ퟸ ¡¸í ¢›¸š¸¸Ä¢£÷¸ ˆÅ£ œ¸¸›¸½ Ÿ¸Ê ‚¬¸Ÿ¸˜¸Ä
íÿ ¢ˆÅ "¸¥¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¢¨¸¨¸£µ¸" ¬¸½ ¬¸¿¤¸Ö ¢£œ¸¸½’Ä ¢ˆÅ‡ Š¸‡ ‚¸ˆÅ”õ¸Ê Ÿ¸Ê ¢ˆÅ¬¸ú ¬¸Ÿ¸¸¡¸¸½¸›¸ ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ ˜¸ú ¡¸¸ ›¸íú¿.

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23. ¸¾¬¸¸ ¢ˆÅ ¤¸ú‚¸£‡¬¸‚¸£ ˆ½Å ‚›¸ºž¸¸Š¸ Š¸ ˆ½Å `¢¬¸Ö¸¿÷¸ 8'À "ˆÅ¸£¸½¤¸¸£¸½¿ ˆÅ¸½ ¬¸Ÿ¸¸¨¸½©¸ú ¨¸¼¢Ö ‚¸¾£ ›¡¸¸¡¸¸½¢¸÷¸ ¢¨¸ˆÅ¸¬¸ ˆÅ¸½ ¤¸õ¸¨¸¸ ™½›¸¸ ¸¸¢í‡" - ‚¸¨¸©¡¸ˆÅ
¬¸¿ˆ½Å÷¸ˆÅ 4 "‚¸œ¸»¢÷¸ÄˆÅ÷¸¸Ä‚¸Ê ¬¸½ œÏ¸œ÷¸ ƒ›¸œ¸º’ ¬¸¸Ÿ¸ŠÏú ˆÅ¸ œÏ¢÷¸©¸÷¸ (Ÿ¸»¥¡¸ Ÿ¸Ê ˆºÅ¥¸ ƒ›¸œ¸º’ Ÿ¸Ê ƒ›¸œ¸º’)" ‚¸¾£ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡
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24. ¸¾¬¸¸ ¢ˆÅ ¤¸ú‚¸£‡¬¸‚¸£ ˆ½Å ‚›¸ºž¸¸Š¸ Š¸ "¢¬¸Ö¸¿÷¸ 1 ˆÅ¸£¸½¤¸¸£¸½¿ ˆÅ¸½ ›¸¾¢÷¸ˆÅ, œ¸¸£™©¸úÄ ‚¸¾£ ¸¨¸¸¤¸™½í ÷¸£úˆ½Å ¬¸½ ‚¸¾£ ¬¸÷¡¸¢›¸«“¸ ˆ½Å ¬¸¸˜¸ ¬¸¿¸¸¢¥¸÷¸ ‚¸¾£
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ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê "‚›¸º¬¸»¸ú 5" ‚›¡¸ ™½¡¸÷¸¸‡Â ‡¨¸¿ ƒ›¸ ™½¡¸ ¬¸½ ¬¸¿¤¸Ö ¨¸¬÷¸º‚¸Ê ‚¸¾£ ¬¸½¨¸¸‚¸Ê ˆÅú ¥¸¸Š¸÷¸ ˆ½Å ‚›¸º¬¸¸£ ¨¸¸¬÷¸¢¨¸ˆÅ ‰¸¸÷¸¸ ™½¡¸ œ¸£ ¢¨¸¸¸£ ˆÅ£›¸½ ˆ½Å ¤¸¸¸¡¸
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226 Friendship That

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Corporate Overview Statutory Reports Financial Statements

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dm{f©H$ [anmoQ>© Annual Report 2023-24 227

Business Responsibility & Sustainability Report

Statement by Managing Director & Chief Executive Officer

Dear Stakeholders,

On behalf of the Board of Directors and the Management Team of IDBI Bank, we are pleased to publish the Bank’s Business
Responsibility and Sustainability Report (BRSR) covering the financial year from April 1, 2023, to March 31, 2024. To ensure
transparency and in conformity with the regulatory guidelines, we enlisted the services of the Bank’s statutory auditor,
Varma & Varma, to conduct an independent reasonable assurance of the BRSR Core disclosures. The independent assurance
statement provided by them is included as a part of the BRSR section of the Annual Report for your reference.

Despite a challenging economy at the global level, the Indian economy has shown remarkable resilience. The growth potential
in India, primarily fuelled by domestic consumption, remains vast. International investors and observers have recognised the
country’s macroeconomic and financial stability. We, at IDBI Bank, continue to ride the wave of this growth trajectory while
ensuring steady progress on the Environment, Social and Governance (ESG) front as well.

Our commitment in ESG, inter alia, drives our efforts to accelerate digital transformation for our customers, to empower our
people, to contribute towards a more sustainable planet and to foster equitable and sustainable communities. The disclosures
outlined in the BRSR embody the intent of the Bank. The Bank’s strategic positioning, coupled with significant investments
in enhancing its digital capabilities, has helped secure our ability to achieve sustained, long-term profitable growth in the
foreseeable future.

The Bank’s revamped position in the banking sector mirrors the successful implementation of its recent business strategy.
Through its strategic focus as a retail bank and substantial investments in expanding its digital capabilities, the Bank has
established a solid foundation for delivering consistent, long-term, profitable growth in the years ahead. Moving forward, the
Bank remains committed to operating within the framework of its existing business strategy, while simultaneously making
strides in the ESG space. The Bank is fully aware of the swiftly evolving operating landscape and will persist in its agility and
adjust its strategy to capitalise on emerging business prospects and maximise its gains.

I extend my heartfelt gratitude to the Government of India (GOI), the Reserve Bank of India (RBI), the Life Insurance Corporation
of India (LIC) and all statutory and regulatory authorities for their invaluable support and cooperation. I also want to express
my appreciation to the Board of Directors for their guidance and unwavering support. A special thanks to all our dedicated
employees for their hard work, which has been instrumental in unlocking the Bank’s potential. I am deeply thankful to our
customers, shareholders and value chain partners for their enduring trust and partnership over the years, which has helped us
navigate even the most challenging times.

I firmly believe that with the collective efforts of all our stakeholders, the Bank will continue to achieve new heights on its growth
and sustainability journey.

With best wishes,

Rakesh Sharma
Managing Director & CEO

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Corporate Overview Statutory Reports Financial Statements

Section A: General Disclosures

I. Details of the listed entity:
S. Question Response
No.
1. Corporate Identity Number (CIN) of L65190MH2004GOI148838
the Entity
2. Name of the Listed Entity IDBI Bank Ltd.
3. Year of Incorporation September 27, 2004
4. Registered Office Address IDBI Tower, WTC Complex, Cuffe Parade, Mumbai - 400005
5. Corporate Address IDBI Tower, WTC Complex, Cuffe Parade, Mumbai - 400005
6. E-mail idbiequity@idbi.co.in
7. Telephone +91-22-66553355
8. Website www.idbibank.in
9. Financial Year for which report is April 1, 2023 – March 31, 2024
being done
10. Name of the Stock Exchange(s) BSE Ltd. and National Stock Exchange of India Ltd.
where shares are listed
11. Paid-up Capital (INR) 1,07,52,40,21,750
12. Name and contact details Shri Manish Aind
(telephone & email) of the person General Manager
who may be contacted in case of E-mail: brsr@idbi.co.in
queries on the BRSR report Telephone: +91-22-66553355
13. Reporting Boundary Standalone
(Standalone or Consolidated basis) The Bank has 2,004 branches and 225 offices as on March 31, 2024.
Under Principle 6, the disclosures pertaining to the environmental data
on electricity, fuel and water for FY 2023-24 have been reported only
for the Bank’s Head Office in Mumbai, its office in Belapur, IDBI Training
College in Hyderabad and 14 Zonal Offices. The data pertaining to
waste for FY 2023-24 has been reported for only three locations, viz.
the Bank’s Head Office, its office in Belapur and IDBI Training College.
Accordingly, the data does not cover the Bank’s entire operations.
14. Name of assurance provider Varma & Varma
15. Type of assurance obtained Reasonable Assurance

II. Products and Services:

16. Details of business activities (accounting for 90% of the turnover):
S. Description of Main Activity Description of Business %Turnover of the entity
No. Activity
1. Financial and Insurance Service Banking activities by central, 100%
commercial and saving banks
17. Product/ Services sold by the entity (accounting for 90% of the entity’s turnover):

S. Description of Main Activity NIC Code %of total turnover contributed

No.
1. Monetary intermediation of 64191 100%
commercial banks, saving banks,
postal savings bank and discount
houses

dm{f©H$ [anmoQ>© Annual Report 2023-24 229

Business Responsibility & Sustainability Report

III. Operations:
18. Number of locations where plants and/or operations/ offices of the entity are situated:

Location Number of Plants Number of Offices Total

National NA Branches – 2,003 Branches – 2,003
Offices – 225 Offices – 225
International* NA Branch - 1 Branch - 1
* - Includes the Bank’s International Financial Services Centre (IFSC) Banking Unit (IBU) located at Gujarat International Finance
Tec – City (GIFT), Gandhinagar, Gujarat.

19. Markets Served by the Entity:

a. Number of Locations:

Location Number
National (No. of States) 35*
International (No. of Countries) 1#
* - Includes Union Territories.
# - Includes the Bank’s International Financial Services Centre (IFSC) Banking Unit (IBU) located at Gujarat International
Finance Tec – City (GIFT), Gandhinagar, Gujarat.

b. What is the contribution of exports as a percentage of the total turnover of the entity?
Not Applicable
c. A brief on types of customers
IDBI Bank Ltd., a universal bank headquartered in Mumbai, provides an entire gamut of financial solutions
to its wide range of customers spanning Retail, Agriculture, MSMEs and Corporates. The Bank, through its
wide bouquet of products, empowers individuals and businesses alike to achieve their financial goals. The
Bank’s offerings comprise wide range of personalised banking products such as savings account, current
account, term deposits, home loan, auto loan, education loan, personal loan, fund based and non-fund
based assistance, treasury & capital market products, trade finance products & services, cash management
services, tax collection, etc. catering to a large customer base.

IV. Employees:
20. Details as at the end of Financial Year 2023-24:
a. Employees and Workers (including differently abled):

Employees
Male Female
S.
Particulars Total (A) Number Percentage Number Percentage
No.
(B) (B/A) (C) (C/A)
1. Permanent Employees 16,326 10,920 66.89% 5,406 33.11%
2. Other than Permanent 1,966 1,088 55.34% 878 44.66%
Employees
3. Total Employees (1+2) 18,292 12,008 65.65% 6,284 34.35%

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Corporate Overview Statutory Reports Financial Statements

Workers
Male Female
S.
Particulars Total (A) Number Percentage Number Percentage
No.
(B) (B/A) (C) (C/A)
4. Permanent Workers 721 553 76.70% 168 23.30%
5. Other than Permanent 0 0 - 0 -
Workers
6. Total Workers (4+5) 721 553 76.70% 168 23.30%
b. Differently Abled Employees and Workers
Differently Abled Employees
Male Female
S.
Particulars Total (A) Number Percentage Number Percentage
No.
(B) (B/A) (C) (C/A)
1. Permanent Employees 471 351 74.52% 120 25.48%
2. Other than Permanent 300 219 73.00% 81 27.00%
Employees
3. Total Employees (1+2) 771 570 73.93% 201 26.07%
Differently Abled Workers
Male Female
S.
Particulars Total (A) Number Percentage Number Percentage
No.
(B) (B/A) (C) (C/A)
4. Permanent Workers 11 9 81.82% 2 18.18%
5. Other than Permanent 0 0 - 0 -
Workers
6. Total Workers (4+5) 11 9 81.82% 2 18.18%
21. Participation/ Inclusion/ Representation of Women as on March 31, 2024
Total (A) Number of Percentage (B/A)
Female (B)
Board of Directors 14* 1 7.14%
Key Management Personnel 4# 2 50.00%
* - Two members of the Board of Directors of the Bank, viz. Managing Director & Chief Executive Officer (MD & CEO) and Deputy
Managing Director (DMD) are also included under Key Management Personnel.
# - Key Management Personnel includes MD & CEO, DMD, Chief Financial Officer (CFO) and Company Secretary.

22. Turnover rate for permanent employees and workers:

FY 2023-24# FY 2022-23 FY 2021-22
Male Female Total Male Female Total Male Female Total
Permanent 6.51% 6.63% 6.55% 4.82% 4.59% 4.74% 2.87% 1.98% 2.59%
Employees*
Permanent 1.10% 2.08% 1.33% 13.51% 8.63% 12.47% 8.16% 3.52% 7.27%
Workers
* - Turnover Rate(FY 2023-24): Voluntary exits during the period/ (Number of employees at the beginning of the period+ Number of new
joinees during the period) as per revised logic.
# - Includes MD & CEO, DMD and Executives.
NOTE:
1. Permanent includes confirmed employees and employees on probation.
2. Other than Permanent includes employees on contract.
3. Employee includes Officer Class.
4. Workers Includes Clerical/ Subordinate Class.

dm{f©H$ [anmoQ>© Annual Report 2023-24 231

Business Responsibility & Sustainability Report

V. Holding, Subsidiary and Associate Companies (including joint ventures):

23. (a) Names of holding/ subsidiary/ associate companies/ joint ventures

S. Name of the holding/ subsidiary/ associate Indicate % of shares Does the entity
No. company/ joint venture (A) whether held by listed indicated at
holding/ entity Column A,
subsidiary/ participate in
associate the Business
company/ joint Responsibility
venture initiatives of
the entity (Yes/
No)
1 IDBI Asset Management Ltd. Subsidiary 66.67% No
2 IDBI Capital Markets & Securities Ltd. Subsidiary 100.00% No
3 IDBI Intech Ltd. Subsidiary 100.00% No
4 IDBI Trusteeship Services Ltd. Subsidiary 54.70% No
5 IDBI MF Trustee Company Ltd. Subsidiary 100.00% No
6 National Securities Depository Ltd. Associates 26.10% No
7 North Eastern Development Finance Corporation Associates 25.00% No
Ltd.
8 Biotech Consortium India Ltd. Associates 27.93% No
9 Pondicherry Industrial Promotion Development Associates 21.14% No
and Investment Corporation Ltd.

VI. CSR Details:

24.

(i) Whether CSR is applicable as per Section 135 of Companies Act, 2013 (Yes/No) Yes
(ii) Turnover (in INR) ` 30,037.04 crore
(iii) Net Worth (in INR) ` 32,842.82 crore

VII. Transparency and Disclosures Compliances:

25. Complaints/ Grievances on any of the Principles (1-9) under the National Guidelines on Responsible
Business Conduct:

Stakeholder Grievance Current Financial Year 2023-24 Previous Financial Year 2022-23
Group Redressal Number of Number of Remarks Number of Number of Remarks
Mechanism in place complaints complaints complaints complaints
(Y/N) filed pending at filed pending at
(Provide close of year close of year
web-link of policy)
Communities Yes. Grievance Nil Nil NA Nil Nil NA
redressal mechanism
is incorporated in the
CSR policy of the
Bank. (https://www.
idbibank.in/pdf/CSR-
Policy.pdf)

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Corporate Overview Statutory Reports Financial Statements

Stakeholder Grievance Current Financial Year 2023-24 Previous Financial Year 2022-23
Group Redressal Number of Number of Remarks Number of Number of Remarks
Mechanism in place complaints complaints complaints complaints
(Y/N) filed pending at filed pending at
(Provide close of year close of year
web-link of policy)

Investors Yes. - - Reported - - Reported

(Other than (https://www. under the under the head
shareholders) idbibank.in/ head ‘Customers’
flexi-bond.aspx) ‘Customers’ which includes
which includes Flexibond
Flexibond Complaints
complaints

Shareholders Yes. 1,644 0 NA 1,480 0 NA

(https://www.
idbibank.
in/idbi-bank-officials-
for-shareholder-
grievances.aspx)

Employees Yes. 42 23 NA 45 11 NA
and Workers@ IDBI Bank has put in
place
i-Hridayo online
Grievance redressal
system.

Customers Yes. 59,714 282 Complaints 65,232 1,114 The data for FY
(https://www. filed from 2022-23 has
idbibank.in/banking- all sources been revised to
complaints-I.aspx) including include ‘ATM
Flexibonds disputes not
complaints resolved within
T+1 day’ as
against ‘ATM
disputes with
TAT of more
than T+5 days’
reported last
year.

Value Chain Yes. Nil Nil NA Nil Nil NA

partners (https://www.
idbibank.in/vigilance-
mechanism-notice.
aspx)

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Business Responsibility & Sustainability Report

Stakeholder Grievance Current Financial Year 2023-24 Previous Financial Year 2022-23
Group Redressal Number of Number of Remarks Number of Number of Remarks
Mechanism in place complaints complaints complaints complaints
(Y/N) filed pending at filed pending at
(Provide close of year close of year
web-link of policy)
Others Yes. 77 7 Complaints 137 4 Complaints
(https://www. from from vigilance/
idbibank.in/vigilance- vigilance/ corruption
mechanism-notice. corruption angle
aspx)
angle
Whistle blower portal
available on the
Bank’s Intranet as
per the Policy on Vigil
Mechanism.
@ - Employee complaints including complaints on sexual harassment indicated under Principle 5 under question numbers 6 and 7. Accordingly, the employee
complaints data for FY 2022-23 has been revised to include such complaints.

26. Overview of the entity’s material responsible business conduct issues

Please indicate material responsible business conduct and sustainability issues pertaining to environmental
and social matters that present a risk or an opportunity to your business, rationale for identifying the same,
approach to adapt or mitigate the risk along-with its financial implications, as per the following format:

S. Material Issue Indicate Rationale for identifying the risk/ In case of Risk, approach to adapt Financial Implications of the risk
No. Identified whether opportunity or mitigate or the opportunity (Negative/
Risk or Positive)
Opportunity
(R/O)
1 Customer Risk Risk: Customer privacy and data • The Bank has taken a series of Negative Risk: The Bank’s
privacy and security are critical in banking steps to improve its Information reputation and relationship with
data security sector, where many transactions Technology (IT) risk management stakeholders can be adversely
are digitalised, increasing the risk and control. The Bank has put in affected in case of any instance of
of information and cybersecurity place Information Security Policy, data breaches and cyber attacks.
threats. Handling sensitive personal Cyber Security Policy and Cyber
data stresses the need for robust Crisis Management Plan which
security measures. articulate management intent and
direction for addressing cyber
security risk. The Bank has a
24x7 Security Operation Centre
(SOC) for centralised monitoring
of security devices like firewalls,
routers, Intrusion Detection
System (IDS) devices/ Intrusion
Prevention System (IPS) devices,
Privileged Identity Management
(PIM), antivirus, phishing/ malware
attempts and for taking corrective
actions. The Bank also regularly
conducts Vulnerability Assessment
& Penetration Testing (VAPT) of
external applications.

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S. Material Issue Indicate Rationale for identifying the risk/ In case of Risk, approach to adapt Financial Implications of the risk
No. Identified whether opportunity or mitigate or the opportunity (Negative/
Risk or Positive)
Opportunity
(R/O)
• The Bank has set up Data Centre
(DC), Disaster Recovery Centre
(DR) as well as Near DR Centre
(NDR) which are certified with the
latest ISO 27001:2013 information
security standards.
2. Customer Risk and Risk: Low customer satisfaction • The Bank has a dedicated Negative Risk: Instances of
satisfaction Opportunity can lead to higher customer Customer Care Centre (CCC) unsatisfied customers can result in
attrition rates. Failure to meet and Customer Contact Centres potential revenue loss, decreased
customer expectations can lead to operating in two locations on a market share and damage to the
loss of competitive edge, making it 24x7 basis to address customer Bank’s reputation, which can result
difficult to attract new customers queries and swiftly redress in decreased profitability in the
and retain existing ones. customer grievances received short and long term.
Opportunity: High levels of through multiple channels. Positive Opportunity: Customer
customer satisfaction can lead to The Bank handles complaints satisfaction can increase revenue,
stronger customer loyalty, leading received from all channels in line higher product uptake by
to long-term relationships and with defined policies, which also customers, reduced churn and
business growth. It also leads include a time-based in-built organic growth in the customer
to enhanced brand reputation, escalation matrix with an internal base, thus leading to improved
providing a competitive edge in the alert mechanism. profitability over time.
market. • The Bank has designated
Grievance Redressal Officers
(GROs) at each of its Zonal
Offices, a Principal Nodal Officer
(PNO) at the Head Office and
has also appointed an Internal
Ombudsman (IO) for examining
the complaints which the Bank
proposes to reject/ provide partial
resolution.
• The Bank has established two
senior level customer service
committees, i.e. Standing
Committee on Customer Service
(SCCS) and Customer Service
Committee of the Board (CSCB),
for assessment of quality of
customer service rendered by the
various touchpoints of the Bank.
3. Risk Risk and Risk: Inadequate or poor risk • The Bank has put in place a well- Negative Risk: Risk management
Management Opportunity management may lead to defined policy framework outlining failure can lead to severe
numerous adverse consequences, appropriate limits and procedural consequences such as financial
significantly affecting financial aspects to enable the Bank to losses, regulatory penalties,
stability, operational efficiency, mitigate and manage risk within its reputational damage and
regulatory compliance and overall overall risk appetite. Furthermore, organisational instability, which
reputation. the Bank undertakes periodic may lead to decreased profitability,
Opportunity: Robust risk policy updates to ensure further shareholder value and market
identification, management and refinement in risk management competitiveness.
mitigation framework enhances practices by capturing the Positive Opportunity: Risk
the operational resilience against essence of business dynamics, mitigation can lead to optimising
potential threats and ensure long- banking innovations, emerging operational efficiency and
term stability and growth. risk scenarios and regulatory business continuity, thereby leading
changes. to sustained profitability.

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Business Responsibility & Sustainability Report

S. Material Issue Indicate Rationale for identifying the risk/ In case of Risk, approach to adapt Financial Implications of the risk
No. Identified whether opportunity or mitigate or the opportunity (Negative/
Risk or Positive)
Opportunity
(R/O)

• The Bank has implemented an

Integrated Risk Management
Architecture (IRMA), comprising
software solutions such as the
Risk Assessment Module (RAM),
Capital Assessment Model (CAM)
and Comprehensive Operational
Risk Evaluator (CORE), to ensure
a robust and technologically
advanced risk management system
is in place.

4. Digitisation Opportunity Opportunity: Digitisation - Positive Opportunity:

presents several opportunities Digital technologies can help in
for transforming the business enhancing customer experience
models, enhancing operational through digital channels,
efficiency, improving customer streamlining back-office processes
experience, introducing product/ and helping in automation of
service innovations, enhancing manual tasks, leading to improved
data security protocols, improving turnaround time, thus, helping in
compliance, among other areas. data-driven customer segment
targeting and opening up new
revenue streams. The opportunities
have the potential for sustained
revenue growth.

5. Compliance Risk and Risk: Failure to comply with • The Bank ensures compliance of Negative Risk: Non-compliance
Opportunity statutory/ regulatory norms pose a various statutory and regulatory with applicable rules and regulations
risk as it may lead to financial loss, guidelines laid down by the can result in imposition of monetary
regulatory penalties, reputational GoI, the RBI, the Securities & fines/ penalties, customer attrition,
damage and operational instability. Exchange Board of India (SEBI) loss of stakeholder trust, legal
and other regulatory/ statutory costs, which may lead to revenue
Opportunity: Effective compliance
bodies through a structured loss.
practices can serve as a strategic
system of internal controls and Positive Opportunity: Effective
opportunity to build brand trust
tiered reviews. compliance can help in improved
and enhance reputation. By
demonstrating a commitment to • The Bank has put in place an operational stability, avoidance of
integrity, transparency and ethical extensive Compliance Policy. regulatory fines/ penalties, reduced
conduct, the Bank can earn the • The Bank has designated Chief legal costs, enhanced reputation
trust and confidence of customers, and brand value.
Compliance Officer (CCO) at the
investors, regulators and other Head Office.
stakeholders.
• The Bank has strengthened the
internal compliance culture at a
granular level by implementing
advanced technology application,
viz. Cermo+ NXT, which has
trackers in place for enabling
timely submission of compliance
to the RBI and proper data
management.

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S. Material Issue Indicate Rationale for identifying the risk/ In case of Risk, approach to adapt Financial Implications of the risk
No. Identified whether opportunity or mitigate or the opportunity (Negative/
Risk or Positive)
Opportunity
(R/O)
6. Customer Opportunity Opportunity: Increased awareness - Positive Opportunity: Greater
awareness about banking products/ services customer awareness can help
and process helps to build trust banks to strengthen customer
and confidence among customers. relationships, to tap into greater
Providing information in a cross-selling and upselling
transparent and understandable opportunities, to reduce customer
manner helps banks to demonstrate service enquiries/ complaints, to
their commitment to customer well- mitigate risks for customers. This
being and thus, leading to deeper can help banks to augment their
engagement and loyalty. market share and drive revenue
growth.

7. Business Risk and Risk: Deficiencies in business • The Bank’s Board of Directors Negative Risk: Unethical conduct
Ethics and Opportunity ethics and governance risks lead to and various Board Committees and poor governance practices
governance excessive risk-taking, compliance are empowered to monitor have severe implications in terms
failures and incidence of frauds, implementation of the best of financial losses, erosion of
resulting in significant challenges corporate governance practices stakeholder trust, regulatory
for banks, affecting their reputation, and make necessary disclosures penalty/ fines/ actions, reputational
financial stability and regulatory within the framework of legal and damage, among others.
scrutiny. regulatory provisions and banking Positive Opportunity: Ethical
conventions.
Opportunity: Strong business practices build trust and credibility
ethics and effective corporate • The Bank has put in place General with all stakeholders, especially
governance practices positively Code of Conduct and Ethics with customers, leading to higher
impact banks through enhanced as well as other policies and customer retention and loyalty and
stakeholder trust, positive brand procedures to ensure that the thus, enhancing business growth.
image and mitigate mala fide Bank’s operations are conducted Furthermore, lower penalties/ fines,
practices. ethically and in compliance with legal costs and improved efficiency
robust corporate governance contribute to overall profitability.
standards.
• The Bank has also introduced the
concept of Chief Ethics Officer/
Zonal Ethics Officers to ensure
promulgation of an ethical and
compliant culture in the Bank.
• The Bank has also put in place
an Environment, Social &
Governance (ESG) Policy which
prioritises ethical and lawful
business conduct.

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Business Responsibility & Sustainability Report

S. Material Issue Indicate Rationale for identifying the risk/ In case of Risk, approach to adapt Financial Implications of the risk
No. Identified whether opportunity or mitigate or the opportunity (Negative/
Risk or Positive)
Opportunity
(R/O)
8. Competitive Risk and Risk: Lack of competitive • The Bank engages in competitive Negative Risk: Absence of
behaviour Opportunity behaviour by banks leads to behaviour to enhance its market competitive behaviour can lead
operational inefficiencies, higher position and to drive growth to customer dissatisfaction and
costs, deficiencies in customer by being more responsive to attrition, thereby leading to reduced
service and stagnation in product/ customer requirements. This market share and financial loss.
service innovation. is ensured through effective Positive Opportunity: Introduction
leadership oversight and robust
Opportunity: Competitive of new products, enhanced
policies/ procedures.
behaviour in banks presents customer service, increased
numerous opportunities to enhance • The Bank periodically reviews its operational efficiency can help
their market position through existing products/ services and in expanding market reach and
innovative products/ services, introduces new products/ services thereby increase revenue streams
enhanced customer experience in tandem with the market and profitability.
and enhanced operational dynamics.
efficiency. • Furthermore, the Bank leverages
technological advancements to
enhance customer experience
and this leads to higher customer
retention and acquisition.

9. Employment Opportunity Opportunity: Human capital is - Positive Opportunity: The

practices one of the most crucial factors benefits of a skilled and committed
for growth in banks and offers workforce is manifested through
opportunities in terms of driving greater customer satisfaction,
customer experience, brand image, enhanced market share, ethical
operational stability, operational conduct, better risk management,
efficiency and imparts competitive unlocking significant opportunities
advantage. for business growth.

10. Employee Well- Risk and Risk: Not giving due importance • The Bank has designed all Negative Risk: The risks stemming
being Opportunity to the well-being of employees employee policies and processes from not focussing on employees
can lead to various risks, including with a ‘human-centric’ approach. such as absenteeism, higher
decreased productivity, increased Towards this, the Bank provides attrition, reduced productivity can
absenteeism, higher turnover rates, a number of financial and non- result in direct financial losses in
inability to attract top talent, poor financial facilities to promote well- terms of recruitment costs and
operational conduct, decreased being of its workforce. training expenses. Further, the
morale, etc. adverse impact on customer
• The Bank has facilitated employee
service can lead to lost revenue
Opportunity: Prioritising the development by focusing
opportunities, affecting business
employee well-being presents on learning and employee
growth and profitability.
opportunities for banks, as a happy engagement to enhance
and engaged workforce helps in professional excellence. Positive Opportunity: A positive
ensuring improved productivity and • Furthermore, the Bank offers work culture can help in attracting
better customer service standards. and retaining top talent, which can
ample scope to its workforce to
A thriving and conducive work drive positive gains such as better
have a well-rounded professional
culture helps in ensuring better customer service and positive
growth.
customer experience, driving brand image which can help in
customer retention and customer driving business growth.
acquisition.

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Section B: Management and Process Disclosures

This section is aimed at helping businesses demonstrate the structures, policies, and processes put in place towards adopting
the NGRBC Principles and Core Elements.

Disclosure Questions P1 P2 P3 P4 P5 P6 P7 P8 P9
Policy and Management Processes
1. a. Whether your entity’s policy/ policies Y Y Y Y Y Y Y Y Y
cover each principle and its core elements
of the NGRBCs. (Yes/No)
b. Has the policy been approved by the Y Y Y Y Y Y Y Y Y
Board? (Yes/No)
c. Web Link of the policies, if available 1,2,3,4 5,6 7,8,9,10 5 7 5 5 11 12, 13
2. Whether the entity has translated the Y Y Y Y Y Y Y Y Y
policy into procedures? (Yes/No)
3. Do the enlisted policies extend to your Y Y Y Y Y Y Y Y Y
value chain partners? (Yes/No)
4. Name of the national and international The Bank has adopted and complies with the regulations as prescribed
codes/ certifications/labels/standards by Ministry of Corporate Affairs (MCA), Reserve Bank of India (RBI),
(e.g., Forest Stewardship Council, Securities & Exchange Board of India (SEBI) and all other applicable
Fairtrade, Rainforest Alliance, Trustee) laws/ regulations stipulated by any other statutory authority/ regulator.
standards (e.g., SA 8000, OHSAS, ISO, The Bank’s Business Continuity Management (BCM) processes are
BIS) adopted by your entity and mapped certified as ISO 22301:2019.
to each principle.
5. Specific commitments, goals, and targets N N N N N N N N N
set by the entity with defined timelines, if
any.
6. Performance of the entity against the N N N N N N N N N
specific commitments, goals, and targets
along with reasons in cases the same are
not met.
Governance, leadership, and oversight
7. Statement by the director responsible for the business responsibility and sustainability report, highlighting
ESG related challenges, targets, and achievements - Please refer to the Statement by Managing Director & Chief
Executive Officer (MD & CEO) in the BRSR section of the Annual Report.
8. Details of the highest authority responsible Shri Rakesh Sharma, Managing Director & Chief Executive Officer
for implementation and oversight of the
Business Responsibility policy (ies)
9. Does the entity have a specified Committee The Bank is guided by its Environment, Social & Governance (ESG) Policy
of the Board/ Director responsible for for sustainability related issues. The Bank’s CSR & ESG Committee of
decision making on sustainability related the Board is responsible for oversight and implementation of the ESG
issues? (Yes/No). initiatives. The Management Committee of CSR & ESG of the Bank,
an internal committee comprising senior executives, is responsible for
If “Yes”, provide details
monitoring the performance under the stated objectives on a periodic
basis to provide an added impetus to the Bank’s ESG agenda.
Notes:
1. The Bank has put in place General Code of Conduct and Ethics which can be accessed at https://www.idbibank.in/secretarial-
disclosures.aspx

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Business Responsibility & Sustainability Report

2. The Bank has put in place Policy on Vigil Mechanism which can be accessed at https://www.idbibank.in/pdf/
Policy-on-Vigil-Mechanism-.pdf

3. The Bank has put in place Officers Service, Conduct, Discipline & Appeals Rules which is an internal document
and has not been made available to the public due to confidentiality reasons.

4. The Bank has put in place Anti-bribery and Anti-Corruption Policy which can be accessed at https://www.idbibank.
in/pdf/Anti-Bribery-Anti-Corruption-Policy.pdf.

5. The Bank has put in place an ESG Policy which can be accessed at https://www.idbibank.in/pdf/ESG-Policy.pdf

6. The Bank makes disclosures regarding its Business Continuity Management (BCM) processes in its Annual
Reports. The Annual Reports can be accessed at https://apps.idbibank.in/idbiapp/idbi-bank-anual-report.aspx.
Further, the Bank’s BCM Disclosure Statement may be accessed at https://www.idbibank.in/pdf/basel/bcm-
disclosure.pdf

7. The Bank has put in place a Human Rights Policy which can be accessed at https://www.idbibank.in/pdf/Human-
Rights-Policy.pdf

8. The Bank has put in place an Equal Opportunity Policy which can be accessed at https://www.idbibank.in/pdf/
Equal-Opportunity-Policy-Employees.pdf

9. In line with the requirements of The Sexual Harassment of Women at Workplace (Prevention, Prohibition and
Redressal) Act, 2013, the Bank has set up two committees to redress the complaints received regarding sexual
harassment of women at workplace. The details can be accessed at https://www.idbibank.in/pdf/Sexual-
Harassment-Redressal-Policy.pdf.

10. The Bank has put in place Security Policy for protecting its workforce against physical security risks. The Policy is
an internal document and has not been made available to the public due to confidentiality reasons.

11. The Bank’s CSR activities are governed by its CSR Policy which can be accessed at https://www.idbibank.in/pdf/
CSR-Policy.pdf

12. The Bank protects the interests and provides value to its customers as per the terms laid out in its Customer Care
Policy (https://www.idbibank.in/pdf/policy/Customer_Care_Policy.pdf), Customer Rights Policy (https://www.
idbibank.in/pdf/policy/Customer_Rights_Policy.pdf), Grievance Redressal Policy (https://www.idbibank.in/pdf/
policy/Grievance_Redressal_Policy.pdf) and Customer Compensation Policy (https://www.idbibank.in/pdf/policy/
Compensation-Policy-Upload.pdf)

13. The Bank has put in place policies/ guidelines pertaining to cyber security which are internal documents and have
not been made available to the public due to confidentiality reasons.
10. Details of Review of NGRBCs by the Company:

Indicate whether review was undertaken by Frequency (Annually/ Half yearly/ Quarterly/
Director/ Committee of the Board/ Any other Any Other- please specify)
Subject for Review Committee
P1 P2 P3 P4 P5 P6 P7 P8 P9 P1 P2 P3 P4 P5 P6 P7 P8 P9
Performance against above The Bank conducts regular reviews of its policies as outlined in the respective policy documents
policies and follow up action and/ or when deemed necessary by competent authorities. The performance against these policies
is evaluated and adjustments or modifications to policies and procedures are carried out as and
when required.
Compliance with statutory The Bank is compliant with all applicable laws/ regulations notified by concerned statutory/
requirements of relevance regulatory authorities.
to the principles, and
rectification of any non-
compliances

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11. Has the entity carried out independent assessment/ evaluation of the working of its policies by an external
agency? (Yes/No). If “Yes”, provide name of the agency.

P1 P2 P3 P4 P5 P6 P7 P8 P9
No No No No No No No No No

12. If Answer to Question (11) Above is “NO”, i.e., not all Principles are covered by a Policy, reasons to be stated:

Questions P1 P2 P3 P4 P5 P6 P7 P8 P9
The entity does not consider the All principles may not be covered by policies but are followed in spirit and
Principles material to its business (Yes/ form part of the Bank’s way of operation.
No)
The entity is not at a stage where it is in
a position to formulate and implement
the policies on specified principles
(Yes/No)
The entity does not have the financial
or human and technical resources
available for the task (Yes/No)
It is planned to be done in the next
financial year (Yes/No)
Any Other Reason (please specify)

Section C: Principle Wise Performance Disclosure

Entity demonstrates their performance in integrating the Principles and Core Elements with key processes and decisions.

Principle 1: Businesses should conduct and govern themselves with integrity, and in
a manner that is Ethical, Transparent, and Accountable
Essential Indicators
1. Percentage coverage by training and awareness programmes on any of the Principles during the financial year
2023-24:

Total number %age of persons

of training and in respective
Segment awareness Topics/ Principles covered under training and its impact category covered
programmes by the awareness
held programmes
Board of 9 a. Familiarisation programme regarding departments of 85.71%*
Directors the Bank for newly inducted Directors
b. Training sessions on Know Your Customer (KYC) and
Anti Money Laundering (AML) organised by Centre for
Advanced Financial Research and Learning (CAFRAL)
c. Workshops aimed at enhancing Board focus on
Enterprise Risk Management by Indian Institute of
Corporate Affairs (IICA)
d. Governance training for Directors serving on Boards
of Banks, Financial Institutions (FIs) and Non-Banking
Financial Companies (NBFCs) organised by CAFRAL

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Total number %age of persons

of training and in respective
Segment awareness Topics/ Principles covered under training and its impact category covered
programmes by the awareness
held programmes
e. Masterclass for Directors training programmes for
Nominee Directors of Life Insurance Corporation of
India (LIC) conducted by Institute of Directors (IOD),
India

f. Customised In-House Training Programme on

Environmental, Social, and Governance (ESG) for
Sustainable Leadership - IOD

g. Programme focused on Powering High-Performance

Boards by Indian School of Business (ISB)

h. Sessions on IT & Cyber Security

i. Masterclass on Strategic Innovation & Leadership.

Key 14 a. Strategic Innovation & Leadership Masterclass 100.00%*

Managerial b. Customised In-House Training Programme on ESG for
Personnel Sustainable Leadership - IOD
c. Programme on Powering High-Performance Board by
ISB
d. Webinars and training on Corporate Governance,
Ethics and Compliances of secretarial matters
organised by Institute of Company Secretaries of India
(ICSI)
e. AML Awareness Programme
f. Management Development Programme for Senior
Management.

Employees 1,998 The topics/ Principles were covered under various training 98.69%
other than programmes which included, inter alia, Aarohan 2.0, role-
BoD and based workshops for frontline officers, Customer Service,
KMPs Wellness Programmes, BRSR and ESG modules, etc.

Workers 40 Wellness programme on healthy living and leading a 92.79%

successful professional and personal life, pre-promotion
training to Scheduled Caste (SC)/ Scheduled Tribe (ST)
candidates, stress management yoga day, health talk series
- cancer awareness, wellness and human rights awareness,
OJAS online e-learning modules etc.

* - The total count of Board of Directors and Key Managerial Personnel include MD & CEO and DMD and has been considered as on
March 31, 2024.

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2. Details of fines/ penalties/ punishment/ award/ compounding fees/ settlement amount paid in proceedings (by
the entity or by directors/ KMPs) with regulators/ law enforcement agencies/ judicial institutions, in the financial
year, in the following format:
(Note: the entity shall make disclosures on the basis of materiality as specified in Regulation 30 of SEBI (Listing Obligations
and Disclosure Obligations) Regulations, 2015 and as discussed on the entity’s website)
Monetary
NGRBC Name of the Amount Brief of Case Has an
Principle Regulatory/ (in INR) appeal been
enforcement preferred?
agencies/ (Yes/ No)
judicial
institutions
Penalty/ Fine 1 Reserve Bank of ` 6,76,136 Non-compliance of guidelines No
India on exchange of coins and
small denomination notes
and mutilated notes during
incognito visits (` 1,10,000/-)
11 instances.
Penalties imposed by RBI on
currency chests in cases of
remittances, made by currency
chests to RBI (` 5,02,468) 98
instances.
Excess amount claimed for
agency commission during
FY 2022-23 (` 63,668) one
instance.
Settlement NA NA Nil NA NA
Compounding NA NA Nil NA NA
Fee
Non-Monetary
NGRBC Name of the Amount Brief of Case Has an
Principle Regulatory/ (in INR) appeal been
enforcement preferred?
agencies/ (yes/ No)
judicial
institutions
Imprisonment NA NA Nil NA NA
Punishment NA NA Nil NA NA
3. Of the instances disclosed in Question 2, above detail of the Appeal/ Revision preferred in cases where monetary
or non-monetary action has been appealed.

Case Details Name of the regulatory/ enforcement agencies/

judicial institutions
Not applicable
4. Does the entity have an anti-corruption or anti-bribery policy? If yes, provide details in brief and if available,
provide web-link to the policy.
For bribery, corruption and other vigilance matters, the Bank is governed by the policy/ guidelines issued by Central
Vigilance Commission (CVC), as per the CVC Manual (2021 updated). The CVC Manual can be viewed on the CVC’s
website (www.cvc.gov.in). Further, as per the Bank’s policy on Officers’ Discipline & Appeal Rules - 2006 (ODAR-2006)
detailed guidelines & procedure to deal with the officers who have indulged in corrupt practices is mentioned in the
paragraph no. 12.

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5. Number of Directors/ KMPs/ Employees/ Workers against whom disciplinary action was taken by any law
enforcement agency for the charges of bribery/ corruption:

Current Financial Year 2023-24 Previous Financial Year 2022-23

Directors 0 0
Key Managerial Personnel (KMPs) 0 0
Employees 0* 2*
Workers 0 0
*- In respect of CBI cases only.

6. Details of complaints with regard to conflict of interest:

Current Financial Year 2023-24 Previous Financial Year 2022-23

Number Remark Number Remark
Number of complaints received in relation 0 - 0 -
to issues of Conflict of Interest of the
Directors
Number of complaints received in relation 0 - 0 -
to issues of Conflict of Interest of the
KMPs
7. Provide details of any corrective action taken or underway on issues related to fines/ penalties/ action taken by
regulators/ law enforcement agencies/ judicial institutions, on cases of corruption and conflicts of interest.

Nil
8. Number of days of accounts payables ((Accounts payable*365)/ Cost of goods/services procured) in the
following format:

Current Financial Year 2023-24 Previous Financial Year 2022-23

Number of days of accounts 37.89 39.39
payables Considering the business model, the Bank does not have liability directly
related to accounts payable. The Bank’s liability is grouped under head ‘other
liabilities’ and the same is monitored by the accounts owners.
9. Openness of Business:
Provide details of concentration of purchases and sales with trading houses, dealers, and related parties, along
with loans and advances & investments with related parties, in the following format:

Parameter Metrics Current Financial Year Previous Financial Year

2023-24 2022-23
Concentration of a. Purchases from trading Purchase and Sales parameters are not applicable
Purchases houses as % of the total to the Bank being a banking company engaged in
purchases providing banking and financial services.
b. Number of trading houses The Bank has wide base of depositors and borrowers
where purchases are which are sourced as per its policies. The Bank has
made from no transactions with trading house/ dealers.
All the transactions with related parties are done at an
c. Purchases from top 10
arm’s length. Concentration of deposits, advances,
trading houses as % of
exposures and NPAs with respect to Top 20 accounts
total purchases from
of respective four categories are disclosed in the
trading houses
Bank’s Annual Report.

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Parameter Metrics Current Financial Year Previous Financial Year

2023-24 2022-23
Concentration of Sales a. Sales to dealers/
distributors as % of total
sales

b. Number of dealers/
distributors to whom
sales are made

c. Sales to top 10 dealers/

distributors as % of
total sales to dealers/
distributors

Share of RPTs in a. Purchases (Purchases

with related parties/ Total
Purchases)

b. Sales (Sales to related

parties/ Total Sales)

c. Loans & advances (Loans 0.28% 0.01%

& advances given to
related parties/ Total loans
& advances)#

d. Investments (Investments 0.26% 0.33%

in related parties/ Total
Investments made)##

# - Loans given to Related party/ Gross Advances of the Bank.

## - Investments in Related party/ Total Gross Investments of the Bank.

Leadership Indicators
1. Awareness programmes conducted for the value chain partners on any of the Principles during the financial
year 2023-24:

Total number of Topics/ Principles covered under the %age of value chain partners covered
awareness programmes training (by value of business done with
held such partners) under the awareness
programmes
2 • Online training module on ESG, • The Bank had sent awareness
NGRBC Principles and BRSR. emailers to its supply chain partners
regarding the online training module
• Training on topics such as personnel
on ESG, NGRBC Principles and
safety, teamwork, good behaviour
BRSR.
to be followed with co-workers,
time management, preventive • Further, the Bank has conducted
maintenance, moral values, etc., training programme for the staff of
the value chain partners working at
the Bank’s Head Office in Mumbai on
these topics.

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2. Does the entity have processes in place to avoid/ manage conflict of interests involving members of the Board?
(Yes/No).
If “Yes”, provide details of the same.
Yes, the Bank has established systems and procedures to address conflicts of interest involving members of the Board.
The Bank’s General Code of Conduct and Ethics, accessible on the Bank’s website (https://www.idbibank.in/idbi-bank-
general-code-of-conduct-ethics.aspx), addresses conflict of interest issues, including those related to the Directors.
As a part of its governance framework, the Board members are required to promptly disclose any changes in their
interests in external entities to the Board. This disclosure is made at the first meeting of the Board held in each financial
year and as changes occur thereafter. The Directors with a vested interest in a particular agenda item recuse themselves
from participation to ensure impartial decision-making.

Principle 2: Businesses should provide goods and services in a manner that is

sustainable and safe
Essential Indicators
1. Percentage of R&D and capital expenditure (capex) investments in specific technologies to improve
environmental and social impacts of product and processes to total R&D and capex investments made by the
entity, respectively.
Current Financial Year Previous Financial Year Details of improvements
2023-24 2022-23 in environmental and
social impacts
R&D
Not applicable given the nature of operations as a financial service provider.
Capex
2. a. Does the entity have procedures in place for sustainable sourcing? (Yes/No).
b If “Yes”, what percentage of inputs were sourced sustainability?
The Bank has procured green building products such as green plywood, LED lights, etc., for its newly opened
branches and few other offices/ residential flats in FY 2023-24.
The Bank shall endeavour to work closely with its vendors/ service providers to improve its performance under the
ESG parameters by encouraging them to take measures for sustainable practices such as waste management,
use of renewable resources, adherence to national and local labour laws and protection of human rights including
child, forced or trafficked labour, etc.
The Bank prefers suppliers who are EMS/ ISO14001 certified wherever feasible. The Bank is committed to
continue to rely more on ESG compliant suppliers.
3. Describe the processes in place to safely reclaim your products for reusing, recycling, and disposing at the end
of life for:
a. Plastics (including packaging)
b. E-waste
c. Hazardous waste
d. Other waste
This is not applicable considering that the Bank does not have any products that involved being reclaimed given
the nature of its operations as a financial services provider.
However, given the type of sector, e-waste is one of the critical hazardous wastes. For disposal of e-waste, the
Bank has developed an e-waste management policy, which covers all the branches, verticals, Regional Offices
and Zonal Offices. Following the extant disposal guidelines laid down by the Ministry of Environment, Forest and
Climate Change (MOEFCC), the Bank ensures that all the e-waste is disposed of within 180 days of its generation.
All the e-waste is disposed only to the registered recyclers. The Bank has also put in place system for tracking of
the e-waste generated and disposed.
Furthermore, in a bid to integrate sustainability with its operations, the Bank endeavours to leverage technology to
provide products and services through digital channels. Furthermore, the Bank’s digitisation efforts in day-to-day
functioning is aimed at rationalising its paper consumption.

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4. Whether Extended Producer Responsibility (EPR) is applicable to the entity’s activities (Yes / No). If yes, whether
the waste collection plan is in line with the Extended Producer Responsibility (EPR) plan submitted to Pollution
Control Boards? If not, provide steps taken to address the same.
Not applicable
Leadership Indicators
1. Has the entity conducted Life Cycle Perspective/ Assessment (LCA) for any of its products (for manufacturing
industries) or for its services (for service industry)? If “Yes”, provide details in the following format:

NIC Code Name of % of Total Boundary Whether Results

product/ service Turnover for which the conducted by communicated
contributed Life cycle independent in public
perspective/ external agency domain (Yes/No)
assessment (Yes/No) If “Yes”, provide
was conducted web-link
Not applicable

2. If there are any significant social or environmental concerns and/or risks arising from production or disposal of
your products/ services, as identified in the Life Cycle Perspective/ Assessments (LCA) or through any other
means, briefly describe the same along with action-taken to mitigate the same.

Name of Product/ Service Description of the risk/ concern Action Taken

Not applicable

3. Percentage of recycled or reused input material to total material (by value) used in production (for manufacturing
industry) or providing services (for service industry).

Indicate input material Recycled or re-used input material to total material

Current Financial Year 2023-24 Previous Financial Year 2022-23

This is not applicable considering that the Bank does not have any products that involved being reclaimed given the
nature of operations as a financial services provider. However, the Bank has put in place an e-waste management policy
for safe disposal of e-waste, which is a critical hazardous waste, to the registered recyclers.

4. Of the products and packaging reclaimed at end of life of products, amount (in metric tonnes) reused, recycled,
and safely disposed, as per the following format:

Current Financial Year 2023-24 Previous Financial Year 2022-23

Re-Used Recycled Safely Re-Used Recycled Safely
Disposed Disposed
Plastics (including
packaging)
E-Waste Not applicable
Hazardous Waste
Other Waste

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5. Reclaimed products and their packaging materials (as percentage of products sold) for each product category

Indicate Product Category Reclaimed products and their packaging materials

as % total products sold in respective category
Not applicable

Principle 3: Businesses should respect and promote the well-being of all employees,
including those in their value chains
Essential Indicators
1. a. Details of measures for the well-being of Employees:

Category Total (A) Health Insurance* Accident Insurance Maternity Benefits Paternity Benefits Day Care Facilities
Number % (B/A) Number % (C/A) Number % (D/A) Number % (E/A) Number % (F/A)
(B) (C) (D) (E) (F)
Permanent Employees
Male 10,920 10,920 100.00% 10,920 100.00% NA NA 10,920 100.00% NA NA
Female 5,406 5,406 100.00% 5,406 100.00% 5,406 100.00% NA NA NA NA
Total 16,326 16,326 100.00% 16,326 100.00% 5,406 33.11% 10,920 66.89% NA NA
Other than Permanent Employees
Male 1,088 1,078 99.08% 1,088 100.00% NA NA NA NA NA NA
Female 878 875 99.66% 878 100.00% 878 100.00% NA NA NA NA
Total 1,966 1,953 99.34% 1,966 100.00% 878 44.66% NA NA NA NA

*- Permanent employees are covered under the Bank’s in-house Medical Scheme. Entry level Officers are covered under Floater
Health Insurance Policy.

1. b. Details of measures for the well-being of Workers:

Category Total (A) Health Insurance* Accident Insurance Maternity Benefits Paternity Benefits Day Care Facilities
Number % (B/A) Number % (C/A) Number % (D/A) Number % (E/A) Number % (F/A)
(B) (C) (D) (E) (F)
Permanent Workers
Male 553 553 100.00% 553 100.00% NA NA 553 100.00% NA NA
Female 168 168 100.00% 168 100.00% 168 100.00% NA NA NA NA
Total 721 721 100.00% 721 100.00% 168 23.30% 553 76.70% NA NA
Other than Permanent Workers
Male 0 0 - 0 - 0 - 0 - 0 -
Female 0 0 - 0 - 0 - 0 - 0 -
Total 0 0 - 0 - 0 - 0 - 0 -

* - Permanent workers are covered under Bank’s in-house Medical Scheme.

c. Spending on measures towards well-being of employees and workers (including permanent and other
than permanent) in the following format

Current Financial Year 2023-24 Previous Financial Year 2022-23

Cost incurred on well-being measures 0.80% 0.73%
as a % of total revenue of the company

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2. Details of retirement benefits for Current FY 2023-24 and Previous FY 2022-23

Current Financial Year 2023-24 Previous Financial Year 2022-23

No. of No. of Deducted No. of No. of Deducted
Employees workers and Employees workers and
Benefits covered as covered as Deposited covered as covered as Deposited
% of total % of total with the % of total % of total with the
Employee workers authority Employee workers authority
(Yes/ No/ NA) (Yes/ No/ NA)
PF 2.82% 13.04% Y 3.39% 14.63% Y
Gratuity 100.00% 100.00% Y 100.00% 100.00% Y
ESI 0.00% 0.00% N.A. 0.00% 0.00% N.A.
Others- 97.18% 86.96% Y #
96.61% 85.37% Y#
Please specify*
*- Pension & National Pension Scheme.
# - Except employees with unopened Permanent Retirement Account Number (PRAN).

3. Accessibility of Workplaces

Are the premises/ offices of the entity accessible to differently abled employees and workers, as per the
requirements of the Rights of Persons with Disabilities Act, 2016? If “Not”, then whether any steps are being
taken by the entity in this regard.

The Bank is committed to making its premises/ offices accessible to all. As of March 31, 2024, the Bank had 2,004
branches of which 938 branches have ramp facilities. Construction of ramp facilities is underway in six branches. In 298
branches, ramp facility is not required as entrance of these branches are parallel to the road or lift facility is available.
762 branches are located on upper ground or first floor and hence, it is not feasible to provide ramp facilities in these
branches.

4. Does the entity have an equal opportunity policy as per the Rights of Persons with Disabilities Act, 2016? If so,
please provide the web-link of the policy.

Yes, the Bank has put in place an Equal Opportunity Policy which is available publicly (https://www.idbibank.in/pdf/
Equal-Opportunity-Policy-Employees.pdf). It is the endeavour of the Bank to maintain conducive and harmonious work
environment by creating equal opportunities at workplace and recognising and valuing diversity, equity and inclusion
(DE&I). The Bank strives to provide equal opportunities to all its employees and all qualified applicants for employment
without regard to their race, caste, religion, colour, ancestry, marital status, sex, age, nationality, disability, etc.

5. Return to work and Retention rates of permanent employees and workers that took parental leave for
FY 2023-24.

Permanent Employees Permanent Workers

Gender
Return to Work Rate* Retention Rate# Return to Work Rate* Retention Rate#

Male 99.81% 90.89% NA NA

Female 82.26% 87.37% NA NA

Total 92.49% 89.53% NA NA

* - Return to Work: Officers availed paternity/ maternity leave and in service as on March 31, 2024 are considered.
# - Retention Rate: Officers availed paternity/ maternity leave and retained after 12 months and in service as on March 31, 2024 are
considered.

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6. Is there a mechanism available to receive and redress grievances for the following categories of employees and
workers? If “Yes”, give details of the mechanism in brief:

Permanent Workers Yes, the Bank has an online portal, viz. i-Hridayo, hosted on its Intranet for
Other than Permanent Workers employees/ workers to report their grievances. The Bank also has put in place
in-built appellate mechanisms in various policies, procedures and processes to
Permanent Employees facilitate grievance redressal.
Other than Permanent Employees
7. Membership of employees and workers in association(s) or Unions recognised by the listed entity:

Current Financial Year 2023-24 Previous Financial Year 2022-23

No. of No. of
employees/ employees/
Total Total
workers in workers in
employees/ Percentage employees/ Percentage
Category respective respective
workers in (%) workers in (%)
category, who category, who
respective (B/A) respective (D/C)
are part of are part of
category category
Association(s) Association(s)
(A) (C)
or Unions or Unions
(B)# (D)#
Total Permanent 18,292* 10,686 58.42% 17,016* 10,451 61.42%
Employees
- Male 12,008 7,597 63.27% 11,180 7,454 66.67%
- Female 6,284 3,089 49.16% 5,836 2,997 51.35%
Total Permanent 721 688 95.42% 834 806 96.64%
Workers
- Male 553 553 100.00% 643 643 100.00%
- Female 168 135 80.36% 191 163 85.34%
* - Data includes Executives on Contract.
# - Though recognised union status has not been given to any of the unions/ associations, the above is the tentative membership
position of major unions/ associations operating in the Bank.

8. (a) Details of training given to employees and workers on Health and Safety Measures

Current Financial Year 2023-24 Previous Financial Year 2022-23

Category Total Number Percentage Total Number Percentage
(A) (B) (%) (B/A) (C) (D) (%) (D/C)
Employees
Male 12,008 9,907 82.50% 11,180 1,768 15.81%
Female 6,284 4,881 77.67% 5,836 1,035 17.73%
Total 18,292 14,788 80.84% 17,016 2,803 16.47%
Workers
Male 553 501 90.60% 643 539 83.83%
Female 168 154 91.67% 191 170 89.01%
Total 721 655 90.85% 834 709 85.01%

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(b) Details of training given to employees and workers on Skill Upgradation

Current Financial Year 2023-24 Previous Financial Year 2022-23

Category Total Number Percentage Total Number Percentage
(A) (B) (%) (B/A) (C) (D) (%) (D/C)

Employees

Male 12,008 11,775 98.06% 11,180 10,765 96.29%

Female 6,284 6,119 97.37% 5,836 5,587 95.73%

Total 18,292 17,894 97.82% 17,016 16,352 96.10%

Workers

Male 553 507 91.68% 643 525 81.65%

Female 168 161 95.83% 191 173 90.58%

Total 721 668 92.65% 834 698 83.69%

9. Details of Performance and Career Development reviews of employees and workers*:

Current Financial Year 2023-24 Previous Financial Year 2022-23

Category Total Number Percentage Total Number Percentage
(A)# (B)@ (%) (B/A) (C)# (D)@$ (%) (D/C)

Employees

Male 10,938 10,311 94.27% 10,401 10,000 96.14%

Female 5,409 4,827 89.24% 5,144 4,589 89.21%

Total 16,347 15,138 92.60% 15,545 14,589 93.85%

Workers

Male 634 611 96.37% 736 732 99.46%

Female 192 188 97.92% 206 206 100.00%

Total 826 799 96.73% 942 938 99.58%

* - Excludes employees on contract.

# - The total employees/ workers includes live employees plus retired/ Voluntary Retirement Scheme (VRS)/ deceased
employees.
@ - The total Employees/Workers who are eligible for assessment in FY 2022-23 and FY 2023-24.
$ - The revised data for FY 2022-23 excludes employees who have exited (other than then Retired/ VRS/ Deceased employees) and
not eligible for assessment.

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10. Health and Safety Management System:

a. Whether an occupational health The Bank has an internal Occupational Health and Safety (OHS)
management system in place. The Bank has put in place fire safety
and safety management system has
been implemented by the entity?arrangement, CCTV, first aid box, facility of Bank Medical Officers
(Yes/No) (BMOs), tie-up with Ambulance services at the Head Office and some
Zonal Offices and provision of ergonomic chairs for its officers. Mock
If “Yes”, then coverage of the
evacuation drills are conducted at all major office premises to ensure
system.
readiness of employees in a scenario of an adverse event.
The Bank has also launched i-CARE, an employee mental well-being
assistance programme, by engaging services of trained counsellors
through external vendor. Employees can seek assistance on personal
and work-related problems that may impact their job performance,
health and general well-being. The Bank has also been carrying out
periodic health check-up and awareness programmes at its Head
Office and Zonal Offices.
b. What are the processes used to The Bank periodically organises fire mock drill for high rise buildings
identify work-related hazards and owned/ occupied by the Bank. Security guards deployed at its Head
assess risks on a routine and non- Office are trained for handling fire safety equipment. The Bank also
routine basis of the entity? conducts preventive maintenance of all its equipment.
c. Whether you have processes for Logbooks, electrical shock register, etc., are available at its Head Office
workers to report the work-related for recording/ reporting the incident/ hazards, if any. Further, Standard
hazards and to remove themselves Operating Procedures (SOPs) are available to protect workers from
from such risks? (Yes/No) hazards.
d. Do the employees/ workers Yes, all employees and their dependents are covered under the Bank’s
of the entity have access to Medical Scheme. Health checkup including mental well-being, Liver
non-occupational medical and Function Test, Eye Testing, Cardiovascular health, etc., were conducted
healthcare services? (Yes/No) at its Head Office. Further, various health awareness programmes, viz.
Cancer, women’s health, diet and nutrition, etc., were also conducted.
11. Details of safety related incidents in the following format:

Safety Incidents/ Number Category Current Financial Year Previous Financial Year
2023-24 2022-23
Lost Time Injury Frequency Rate Employees In FY 2023-24, there were no employees/ workers of
(LTIFR) (per one million-person hours Workers the Bank who suffered high consequence work-related
worked) injury/ ill-health/ fatalities.
Total recordable work-related injuries
Employees
Workers
Number of fatalities Employees
Workers
High consequence work-related injury Employees
or ill-health (excluding fatalities) Workers
12. Describe the measures taken by the entity to ensure a safe and healthy workplace.
IDBI Bank strives to ensure a safe and healthy work environment for all employees, for which the following measures
have been taken:
• Periodic fire drill training for all employees at its Head Office in Mumbai and all its Zonal Offices.
• Provision of fire aid kit, fire alarm and fire extinguishers at all office premises.
• Availability of Bank Medical Officer (BMO) and tie-up with Ambulance at its Head Office and staff quarters in
Mumbai and some of its Zonal Offices.

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13. Number of complaints on the following made by employees and workers:

Current Financial Year 2023-24 Previous Financial Year 2022-23

Pending Pending
Filed Resolution at Remark Filed Resolution at Remark
end of year end of year

Working Conditions 0 0 NA 0 0 NA

Health and Safety 0 0 NA 0 0 NA

14. Assessment for the Year (2023-24):

% of plants and offices that were assessed (by entity or statutory authorities
or third party)

Health and Safety Practices The Bank’s Head Office in Mumbai has been inspected by lift inspector, electrical
installation by Electrical Inspector, fire installation by authorised agency, packaged
Working Conditions water testing by manufacturer and DG pollution from authorised agency. The Bank’s
branches and offices are inspected by its officers internally.

15. Provide details of any corrective action taken or underway to address safety-related incidents (if any) and on
significant risk/ concerns arising from assessment of health and safety practices and working conditions.

The Bank has preventive maintenance schedules, SOPs, Do’s & Don’ts, etc. in place for ensuring safe and healthy
working conditions.

Leadership Indicators
1. Does the entity extend any life insurance or compensatory package in the event of death of (A). Employees; and
(B). Workers (Yes/No). Provide detail.
Yes, the Bank provides life insurance cover and compensatory packages to its employees and workers.
2. Provide the measures undertaken by the entity to ensure that statutory dues have been deducted and deposited
by the value chain partners.
The Bank endeavours to ensure that its value chain partners deduct and deposit statutory dues like Provident Fund (PF),
Employees’ State Insurance (ESI), Gratuity, Goods & Service Tax (GST), etc. Further, the vendors submit compliance
certificate to this effect. The Bank has also incorporated a clause on making statutory regulatory payments in its Request
for Proposal (RFP).
3. Provide the number of employees/ workers having suffered high consequence work-related injury/ ill-health/
fatalities (as reported in Qs. 11 of Essential Indicators above), who have been/ are rehabilitated and placed in
suitable employment or whose family members have been placed in suitable employment:

No. of employees/ workers that are

Total Number of affected employees/ workers rehabilitated or whose family member have
been placed in suitable employment

FY 2023-24 FY 2022-23 FY 2023-24 FY 2022-23

Employees Not applicable considering there were no employees/ workers of the Bank who suffered high consequence
Workers work-related injury/ ill-health/ fatalities in FY 2023-24.

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4. Does the entity provide transition assistance programmes to facilitate continued employability and the
management of career endings resulting from retirement or termination of employment? (Yes/No)
Yes, the Bank conducts Retirement Planning workshops for its retiring employees which help them plan their life ahead.
The workshops are conducted to prepare/ assist the employees in planning/ addressing the changes that take place
physically and psychologically. The following workshops are conducted over a course of three days at the IDBI Training
College, Hyderabad:
• Healthy Ageing and Managing the Physical Transition
• Wellness as an achievable personal goal for holistic life after retirement
• Diet and Lifestyle Practices
• Yoga and Meditation as a Way of Life for all-round happiness
• Philosophy of Life & Living (Spiritual Aspects)
• Productive Ageing and Social Networking
• Psychological Exercises for Successful Transition Second Career
• Managing Finances and Investments including Tax Aspects
• Importance of Will Making and Laws of Nomination
• Superannuation Benefits
5. Details on assessment of value chain partners (FY 2023-24):
% of value chain partners (by value of business done with such partners) that were
assessed
Health and Safety The Bank has circulated awareness emailers to its value chain partners regarding ESG,
Practices NGRBC Principles and BRSR to sensitise them and obtain their confirmation regarding
their compliance to the same. Further, the Bank has also provided training on topics such
as personnel safety, teamwork, good behaviour to be followed with co-workers, time
Working Conditions
management, preventive maintenance, moral values, etc. to the staff of the value chain
partners working at the Bank’s Head Office in Mumbai.
6. Provide details of any corrective actions taken or underway to address significant risks/ concerns arising from
assessments of health and safety practices and working conditions of value chain partners.
The question is not applicable for the Bank since such assessment of value chain partners have not been conducted
yet.

Principle 4: Businesses should respect the interests of and be responsive to all its
stakeholders
Essential Indicators
1. Describe the process for identifying key stakeholder groups of the entity.
The Bank’s engagement efforts have been targeted, relevant and responsive to the needs and expectations of its key
stakeholder groups, thereby fostering trust, collaboration and shared value creation.
The process of identifying the key stakeholders involved the following:
• Stakeholder Mapping: The Bank conducted an analysis to map the diverse range of stakeholders who are affected
by or have an impact on its business activities. This included identifying both internal and external stakeholders
by means of the location of its business operations, association with the Bank, critical to its operations and risk
assessments.
• Engagement History: The Bank reviewed its past engagement history to identify stakeholders with whom it has
established relationships or have interacted with in the past. This aided in ensuring continuity in its engagement
efforts and acknowledges the importance of ongoing dialogue.
• Stakeholder Input: The Bank has been actively seeking input from various sources, including customer feedback,
employee surveys, community consultations and investor relations, to identify stakeholders’ perspectives,
concerns and expectations.

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2. List stakeholder groups identified as key for your entity and the frequency of engagement with each stakeholder
group.

Stakeholder Identified as Channels of Communication Frequency of Purpose and scope of

Group Vulnerable or engagement engagement including
Marginalised key topics and concerns
Group (Yes/No) raised during each
engagement
Customers No The Bank engages with its Regular • Customer feedback
customers through a wide
• Customer grievances
range of communication
channels, including email • Providing information
correspondence, SMS regarding products
notifications, in-person and services, including
meetings, virtual meetings, changes, if any
telephone calls, its website,
notice boards, advertisements,
and customer facing channels
such as its mobile app and
social media platforms.
Community No The Bank communicates Need-based • Monitoring and evaluation
with its community members
• Community grievance
through emails, in-person
meetings, virtual meetings, • Challenges and scope of
telephone calls, etc. improvement
Employees No The Bank fosters effective Regular • New policies
communication and
• Employee grievances
engagement with its
employees through various • Talent management
channels, including email
correspondence, in-person • Learning and
meetings, town hall meetings, development
virtual meetings, surveys to • Performance
gather feedback, dedicated management
employee grievance channels,
comprehensive training • Employee Engagement
and capacity development
programmes and access to
relevant information.
Investors No The Bank communicates with Need-based • Performance and
its investors through emails, updates
website, annual general
• Business strategy
meetings, investor grievance/
contact channels, telephone • Investor grievances
calls etc.

Vendors and No The Bank communicates with Need-based • Due diligence during on-
Suppliers its vendors through emails, boarding
in-person meetings, virtual
• Periodic assessments of
meetings and website.
suppliers

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Leadership Indicators
1. Provide the processes for consultation between stakeholders and the Board on economic, environmental, and
social topics or if consultation is delegated, how is feedback from such consultations provided to the Board.
The Bank, in alignment with its commitment towards transparency and inclusive practices, undertook a Stakeholder
Engagement and Materiality Assessment (SEMA) process in FY 2022-23 to ensure that its sustainability initiatives are
aligned with the needs and expectations of its stakeholders. The SEMA process involved several key steps, namely:
• Identification of Stakeholders: The Bank identified its key stakeholders, including investors, employees,
customers, communities and vendors, based on their influence, impact, responsibility and interdependency with
the Bank.
• Engagement and Consultation: The Bank engaged with these stakeholders through various channels such
as surveys, interviews, focus groups and stakeholder dialogues to understand their perspectives, concerns and
expectations regarding the Bank’s sustainability performance and practices.
• Materiality Analysis: Through a materiality analysis, the Bank identified the most significant Environmental, Social
and Governance (ESG) issues that are relevant to its business and stakeholders. This analysis aided the Bank
in prioritising its sustainability efforts and focus on the issues that matter most to its stakeholders and have the
greatest potential impact on its business. The key material topics were then reviewed by the Bank before its
finalisation.
• Objective Setting: Based on the insights gathered from over 200 responses from its diverse stakeholder groups
and the materiality analysis, the Bank has set clear and measurable objectives to address key sustainability
challenges and opportunities identified during the SEMA process.
The objectives of the SEMA process was to:
• To gain a comprehensive understanding of the sustainability expectations, concerns and priorities of its
stakeholders;
• To identify and prioritise the most significant ESG issues relevant to its business and stakeholders;
• To set clear and measurable sustainability objectives based on stakeholder feedback and materiality analysis; and
• To enhance transparency, accountability and stakeholder trust by incorporating stakeholder input into its
sustainability strategy and reporting.
The outcomes of the SEMA process are as follows:
• Enhanced stakeholder engagement: The SEMA process facilitated meaningful dialogue and collaboration with
its stakeholders, fostering stronger relationships and trust.
• Improved understanding of material issues: The Bank gained valuable insights into the most significant ESG
issues that matter to its stakeholders and have potential impact on its business.
• Clearer sustainability objectives and targets: The SEMA process aided the Bank in setting clear and relevant
sustainability objectives and targets that are aligned with stakeholder expectations and materiality considerations.
• Strengthened sustainability strategy: The insights gained from the SEMA process aided in developing the Bank’s
sustainability strategy, enabling it to prioritise actions and initiatives that address the most pressing sustainability
challenges and opportunities facing its business and stakeholders.
2. Whether stakeholder consultation is used to support the identification and management of environmental, and
social topic? (Yes/No). If so, provide details of instances as to how the inputs received from stakeholders on
these topics were incorporated into policies and activities of the entity.
Stakeholder consultation has been instrumental in supporting the identification and management of environmental and
social topics.

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• On the basis of the materiality assessment, the Bank has been able to identify the most significant Environmental,
Social and Governance (ESG) issues that are relevant to its business and stakeholders. This has aided the Bank
in prioritising engagement with its stakeholders.
• The stakeholder identification process has been dynamic and would be subjected to periodic review and updates
to ensure it remains aligned with the Bank’s evolving business objectives and stakeholder expectations.
3. Provide detail of instances of engagement with, and actions taken to, address the concerns of vulnerable/
marginalised stakeholder groups.
The Bank has policies in place for addressing the grievance/ concerns of its stakeholders, viz. customers, employees,
investors and CSR beneficiaries. The grievance/ concerns of the value chain partners are addressed on a case-to-case
basis.

Principle 5: Businesses should respect and promote human rights

Essential Indicators
1. Employees and workers who have been provided training on human rights issues and policy(ies) of the entity in
the following format:

Category Current Financial Year 2023-24 Previous Financial Year 2022-23

Total Number Percentage Total Number Percentage
(A) (B) (%) (B/A) (C) (D) (%) (D/C)
Employees
Permanent 16,326 15,747 96.45% 15,420 14,922 96.77%
Other than permanent 1,966 1,614 82.10% 1,596 1,430 89.60%
Total Employees 18,292 17,361 94.91% 17,016 16,352 96.10%
Workers
Permanent 721 664 92.09% 834 698 83.69%
Other than permanent 0 0 - 0 0 -
Total Workers 721 664 92.09% 834 698 83.69%
2. Details of minimum wages paid to employees and workers in the following format :

Category Current Financial Year 2023-24 Previous Financial Year 2022-23

Total (A) Equal to Minimum More than Minimum Total (D) Equal to Minimum More than Minimum
Wage Wage Wage Wage

Number % (B/A) Number % (C/A) Number % (E/D) Number % (F/D)

(B) (C) (E) (F)

Employees

Permanent 16,326 Nil NA 16,326 100.00% 15,420 Nil NA 15,420 100.00%

- Male 10,920 Nil NA 10,920 100.00% 10,308 Nil NA 10,308 100.00%

- Female 5,406 Nil NA 5,406 100.00% 5,112 Nil NA 5,112 100.00%

Other than 1,966 Nil NA 1,966 100.00% 1,596 Nil NA 1,596 100.00%
Permanent

- Male 1,088 Nil NA 1,088 100.00% 872 Nil NA 872 100.00%

- Female 878 Nil NA 878 100.00% 724 Nil NA 724 100.00%

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Category Current Financial Year 2023-24 Previous Financial Year 2022-23

Total (A) Equal to Minimum More than Minimum Total (D) Equal to Minimum More than Minimum
Wage Wage Wage Wage

Number % (B/A) Number % (C/A) Number % (E/D) Number % (F/D)

(B) (C) (E) (F)

Workers

Permanent 721 Nil NA 721 100.00% 834 Nil NA 834 100.00%

- Male 553 Nil NA 553 100.00% 643 Nil NA 643 100.00%

- Female 168 Nil NA 168 100.00% 191 Nil NA 191 100.00%

Other than 0 0 - 0 - 0 0 - 0 -
Permanent

- Male 0 0 - 0 - 0 0 - 0 -

- Female 0 0 - 0 - 0 0 - 0 -

3. Details of remuneration/ salary/ wages in the following format for FY 2023-24:

a. Median remuneration/ wages:

Male Female

Number Median Number Median

salary/ wage salary/ wage
of respective of respective
category category

Board of Directors (BoD) 10* 26,05,000 1# 27,90,000

Key Managerial 4@ 94,23,234 2 43,46,534

Personnel

Employees other than 13,464 18,41,890 7,040 15,71,261

BoD and KMP

Workers 423 8,17,866 48 7,87,644

* - The details of Board of Directors do not include the details of MD & CEO and two DMDs as their details have been included in Key Managerial
Personnel. Further, the Board of Directors are not paid remuneration but sitting fees and details of sitting fees are provided. The Government of
India Nominee Directors are not in receipt of sitting fees and hence, excluded. The total number of Directors includes Shri Gyan Prakash Joshi who
ceasesd to be Director w.e.f. August 27, 2023 and Shri Ajay Prakash Sawhney who was appointed as a Director w.e.f. August 28, 2023.

# - Median cannot be calculated as there is one female representative in the Board of Directors.

@ - The total number of KMPs includes the Shri Samuel Joseph Jebaraj, DMD and Shri Suresh Khatanhar, DMD, whose terms were till April 05,
2023 and January 14, 2024, respectively.

b. Gross wages paid to females as % of total wages paid by the entity in the following format:

Current Financial Year 2023-24 Previous Financial Year 2022-23

Gross wages paid to females as % 30.50% 30.52%

of total wages

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4. Do you have a focal point (Individual/ Committee) responsible for addressing human rights impacts or issues
caused or contributed to by the business? (Yes/No)

The Bank has put in place Human Rights Policy, which is applicable to all stakeholders including its employees. The
Policy broadly covers:

• Health and Safety at Workplace,

• Workforce Diversity,

• Prohibition of Child Labour & Forced Labour,

• Harassment-free Workplace,

• Human Dignity,

• Minimum wages and benefits,

• Employee Feedback and Grievances, and

• Ethical Business Conduct.

The Bank has enabling provisions in the applicable conduct rules/ policies which address such issues.

5. Describe the internal mechanisms in place to redress grievances related to human rights issues.

The Bank recognises the valuable role that businesses can play in the long-term protection of human rights for a better
future. The Bank’s support for these fundamental principles reflects in its policies and actions towards its stakeholders.
The Bank has provided an online portal, viz. i-HRIDAYO for submission of employee grievances and has put in place
a Grievance Redressal Committee to examine grievances relating to discrimination and harassment. Mechanism for
redressal of sexual harassment complaints received has been put in place in line with provision of the Sexual Harassment
of Women at Workplace (Prevention, Prohibition and Redressal) Act, 2013 (POSH Act). The Bank has also put in place
Human Rights Policy, which is applicable to all stakeholders, including employees.

6. Number of complaints on the following made by employees and workers:

Current Financial Year 2023-24 Previous Financial Year 2022-23

Filed during Pending Remark Filed during Pending Remark

the year resolution at the year resolution at
end of year end of year

Sexual 9 3 - 7 5 -
Harassment

Discrimination at 8 1 - 9 2 -
workplace

Child Labour 0 0 - 0 0 -

Forced Labour/ 0 0 - 0 0 -
Involuntary
Labour

Wages 1 1 - 3 2 -

Other human 0 0 - 0 0 -
rights related
issues

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7. Complaints filed under the Sexual Harassment of Women at Workplace (Prevention, Prohibition and Redressal)
Act, 2013 in the following format:

Current Financial Previous Financial

Year 2023-24 Year 2022-23

Total Complaints reported under Sexual Harassment of Women at 9 7

Workplace (Prevention, Prohibition and Redressal) Act, 2013 (POSH)

Complaints on POSH as a % of female employees / workers 0.14% 0.12%

Complaints on POSH upheld Nil 1

8. Mechanisms to prevent adverse consequences to the complainant in discrimination and harassment cases.

The Bank has put in place a Policy on Vigil Mechanism, which provides a framework and empowers all the employees to
disclose unethical conduct, malpractices, wrongdoings, etc. noticed at the workplace in a confidential manner through
a portal exclusively accessed by the Chief General Manager of the Internal Audit Department. The whistleblowers
may send such concerns/ complaints to the Bank through a separate email login facility created on the Bank’s
Intranet site. Only an authorised person can receive/ access mail sent by the whistleblower. The Designated Official
maintains utmost secrecy of the complaint/ concern received and ensures the details of the concern and the identity
of the whistleblower is kept confidential. The whistleblower can also approach the Central Vigilance Commission
(CVC) for complaints for disclosure on any allegation of corruption or misuse of office by following the procedure
laid down by the CVC in this regard. The POSH guidelines for employees are also available with the Bank internally
and it has provisions for protecting the complainant’s identity while redressing their concerns. The Bank’s Human
Rights Policy outlines its commitment to protecting the human rights and maintaining a work environment free of
harassment.

9. Do human rights requirements form part of your business agreements and contracts? (Yes/No)

Yes, the Bank’s business agreements and contracts with vendors explicitly stipulate the other party to comply with
all laws/ rules/ regulations/ notifications, including those on labour and industrial matters, issued from time-to-time,
reflecting its commitment to safeguard human rights. Furthermore, the Bank has included the ‘Labour Laws and
Minimum Wages’ clause in its RFP format. All safety, labor and industrial laws, which are enforced by the statutory
agencies, must be adhered to by the Bank and the vendors during the execution of any contract. The Bank’s business
partners are obliged to take all necessary measures to ensure the safety of personnel, work and facilities and to
follow all reasonable safety protocols. Similarly, in loan agreements with borrowers, the Bank seeks confirmation
that they have no outstanding claims or liabilities, such as provident fund or labour dues, thereby safeguarding
human rights.
10. Assessment for the FY 2023-24:

% of plants and offices that were assessed (by entity

or statutory authorities or third parties)
Child Labour 100.00%
Forced/ Involuntary Labour 100.00%
Sexual harassment 100.00%
Discrimination at workplace 100.00%
Wages 100.00%
Others – please specify Not applicable

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11. Provide details of any corrective actions taken or underway to address significant risks/ concerns arising from
the assessments at Qs. 9, above.
The Bank has not observed any significant risks.

Leadership Indicators
1. Details of a business process being modified/ introduced as a result of addressing human rights grievances/
complaints.

The Bank has not recorded any instances necessitating modifications to the current processes.
Even though there have been no instances of human rights grievances/ complaints, the Bank continuously reviews and
monitors its policies and business processes on a periodic basis in order to ensure there are no violation of human rights.

2. Details of the scope and coverage of any Human Rights due diligence conducted.

The Bank has not yet conducted any human rights due diligence.

3. Is the premise/ office of the entity accessible to differently abled visitors, as per the requirements of the Rights
of Persons with Disabilities Act, 2016?

The Bank is committed to making its premises/ offices accessible to all. The Bank has put in place necessary physical
infrastructure in its premises, wherever technically feasible, to ensure accessibility for differently abled visitors, as per
the requirements of the Rights of Persons with Disabilities Act, 2016. As of March 31, 2024, the Bank had 2,004
branches of which 938 branches have ramp facilities. Construction of ramp facilities is underway in six branches. In 298
branches, ramp facility is not required as entrance of these branches are parallel to the road or lift facility is available.
762 branches are located on upper ground or first floor and hence it is not feasible to provide ramp facilities in these
branches.

4. Details on assessment of Value Chain Partners:

% of value chain partners (by value of business done with such

partners) that were assessed:

Child Labour

Forced/ Involuntary Labour

Sexual harassment The Bank has not conducted such an assessment yet.

Discrimination at workplace

Wages

5. Provide details of any corrective actions taken or underway to address significant risks/ concerns arising from
the assessment at Qs. 4 above.

While the Bank has not conducted such assessments, no such significant risks or concerns have been observed or
reported.

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Principle 6: Businesses should respect and make efforts to protect and restore the
environment
Essential Indicators
1. Details of total energy consumption (in Joules or multiples) and energy intensity in the following format:

Parameter Current Financial Previous Financial

Year 2023-24* Year 2022-23*
From ‘Renewable Sources’ in Gigajoules
Total Electricity Consumption (A) Not Applicable Not Applicable
Total Fuel Consumption (B) Not Applicable Not Applicable
Energy consumption through Other Sources (C) Not Applicable Not Applicable
Total Energy Consumption from renewable sources (A+B+C) Not Applicable Not Applicable
From ‘Non-Renewable Sources’ in Gigajoules
Total Electricity Consumption (D) 69,547.60 17,638.64
Total Fuel Consumption (E) 3,873.57 7.95
Energy consumption through Other Sources (F) 0 0
Total Energy Consumption from non-renewable sources (D+E+F) 73,421.16 17,646.59
Energy intensity per rupee of turnover (GJ / INR Crore)# 2.44 0.71
(Total energy consumption/turnover in crore rupees)
Energy intensity per rupee of turnover adjusted for Purchasing Power 5.42 1.60
Parity@
(Total energy consumed/ Revenue from operations adjusted for PPP)
(GJ/ Million USD)
Energy intensity in terms of physical output (GJ/ INR Crore)$ 2.44 0.70
Energy intensity in terms of Full Time Employee (GJ/ Full Time 4.31 1.09
Employees)&
Note: Indicate if any independent assessment/ evaluation/ assurance has been carried out by an external agency? (Yes/No).
If “Yes”, name the external agency.
Yes, Varma and Varma, the Bank’s statutory auditor, have conducted assurance of the Bank’s BRSR Core Disclosures for
FY 2023-24.
*- The energy data for FY 2023-24 and FY 2022-23 is not comparable as the Bank has considered the following 17 locations – the Bank’s Head Office, its
office in Belapur, IDBI Training College and 14 Zonal Offices for FY 2023-24 while for FY 2022-23, only the Bank’s Head Office was considered. The energy
data for 2,004 branches and 208 offices have not been reported for FY 2023-24.
# - For computing the Energy intensity per rupee of turnover for FY 2023-24, the energy consumption for the reported 17 locations has been divided by
the Bank’s Total Turnover (Total Income). In FY 2022-23, the Energy intensity per rupee of turnover has been computed by dividing the energy consumption
for the Bank’s Head Office by the Bank’s Total Turnover (Total Income) for FY 2022-23.
@ - The implied PPP conversion rate published by International Monetary Fund (IMF) has been used for Purchasing Power Parity calculation. For FY 2023-
24, the value for 2023 has been considered. For FY 2022-23, the value for 2022 has been considered.
$ - For the intensity based on Physical Output, the Bank’s revenue from the retail banking segment has been considered since it has the highest share in
the Bank’s Total Revenue, i.e., 57.26% for FY 2023-24 and 60.66% for FY 2022-23.
& - For computing the Energy intensity in terms of Full Time Employee for FY 2023-24, the energy consumption for the reported 17 locations has been
divided by the Bank’s Total Permanent Employees and Permanent Workers as on March 31, 2024. The share of employees in these 17 locations account
for 22.71% of the Bank’s total employee count as on March 31, 2024. For computing the Energy intensity in terms of Full Time Employees for FY 2022-23,
the energy consumption for the Bank’s Head Office has been divided by the Bank’s Total Permanent Employees and Permanent Workers as on March 31,
2023. The share of employees in the Head Office account for 7.86% of the Bank’s total employee count as on March 31, 2023.

2. Does the entity have any sites/ facilities identified as designated consumers (DCs) under the Performance,
Achieve, and Trade (PAT) Scheme of the Government of India? (Yes/No) If “Yes”, disclose whether targets set
under the PAT Scheme have been achieved. In case targets have not been achieved, provide the remedial action
taken, if any.
The question is not applicable as the Bank does not fall under the PAT scheme of the Government. Nonetheless, the
Bank endeavours to operate in a sustainable manner and ensures compliance with relevant environmental laws and
regulations. The Bank’s Credit Policy also stipulates restrictions on environmentally detrimental industries such as those
producing/ consuming ozone depleting substances while encouraging sustainable financing. Furthermore, the Bank’s
lending policy also encourages sustainable financing.

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3. Provide details of the following disclosures related to water in the following format:

Parameter Current Financial Previous Financial

Year 2023-24* Year 2022-23*
Water withdrawal by source (in Kilolitres- KL)
(i) Surface Water 0 0
(ii) Groundwater 0 0
(iii) Third Party Water^ 1,08,029.14 34,089.22
(iv) Seawater/ Desalinated water 0 0
(v) Others (Please specify) 0 0
Total Volume of water withdrawal (in KL) 1,08,029.14 34,089.22
(i + ii + iii + iv + v)
Total volume of water consumption (in KL) 1,08,029.14 34,089.22
Water intensity per rupee of turnover (KL/ INR Crore)# 3.60 1.37
(water consumed/ turnover)
Water intensity per rupee of turnover adjusted for Purchasing Power 7.97 3.08
Parity (PPP)@
(Total water consumption/ Revenue from operations adjusted for PPP)
(KL/ Million USD)
Water intensity in terms of physical output (KL/ INR Crore)$ 3.59 1.36
Water intensity in terms of Full Time Employee (KL/ Full Time 6.34 2.10
Employees)&
Note: Indicate if any independent assessment/ evaluation/ assurance has been carried out by an external agency? (Yes/No).
If “Yes”, name the external agency.
Yes, Varma and Varma, the Bank’s statutory auditor, have conducted assurance of the Bank’s BRSR Core Disclosures for
FY 2023-24.
*- The water data for FY 2023-24 and FY 2022-23 is not comparable as the Bank has considered the following 17 locations – the Bank’s Head Office, its
office in Belapur, IDBI Training College and 14 Zonal Offices for FY 2023-24 while for FY 2022-23, only the Bank’s Head Office was considered. The water
data for 2,004 branches and 208 offices have not been reported for FY 2023-24.
^ - For FY 2023-24, the third party water includes water supplied by local bodies in six locations, bottled/ packaged water for the Bank’s Head Office and
estimation (using the formula “45 litres X No. of Employees as on March 31, 2024 X 360 days”) for 11 locations for which water bills are not available.
# - For computing the water intensity per rupee of turnover for FY 2023-24, the water consumption for the reported 17 locations has been divided by the
Bank’s Total Turnover (Total Income). In FY 2022-23, the water intensity per rupee of turnover has been computed by dividing the water consumption for
the Bank’s Head Office by the Bank’s Total Turnover (Total Income) for FY 2022-23.
@ - The implied PPP conversion rate published by International Monetary Fund (IMF) has been used for Purchasing Power Parity calculation. For FY 2023-
24, the value for 2023 has been considered. For FY 2022-23, the value for 2022 has been considered.
$ - For the intensity based on Physical Output, the Bank’s revenue from the retail banking segment has been considered since it has the highest share in
the Bank’s Total Revenue, i.e., 57.26% for FY 2023-24 and 60.66% for FY 2022-23.
& - For computing the water intensity in terms of Full Time Employee for FY 2023-24, the estimated water consumption has been divided by the Bank’s
Total Permanent Employees and Permanent Workers as on March 31, 2024. The share of employees in these 17 locations account for 22.71% of the
Bank’s total employee count as on March 31, 2024. For FY 2022-23, the water intensity in terms of Full Time Employee has been computed by dividing
the water consumption for the Bank’s Head Office by the Bank’s Total Permanent Employees and Permanent Workers as on March 31, 2023. The share
of employees in the Head Office accounted for 7.86% of the Bank’s total employee count as on March 31, 2023.

4. Provide the following details related to water discharge:

Parameter Current Financial Year 2023-24 Previous Financial Year 2022-23

Water discharge by destination and level of treatment (in Kilolitres)
(i) To Surface Water While the Bank has installed Sewage Treatment Plant (STP) at its Head Office
in Mumbai, Back Office at Belapur and IDBI Training College, Hyderabad,
since there are no flow meters in place data is not being maintained in this
regard.
- No treatment
- With treatment- please
specify level of treatment
(ii) To Ground Water
- No treatment
- With treatment- please
specify level of treatment

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Parameter Current Financial Year 2023-24 Previous Financial Year 2022-23

(iii) To Seawater
- No treatment
- With treatment- please
specify level of treatment
(iv) Sent to Third Parties
- No treatment
- With treatment- please
specify level of treatment
(v) Others
- No treatment
- With treatment- please
specify level of treatment
Total water discharged
(in kilo-litres)
Note: Indicate if any independent assessment/ evaluation/ assurance has been carried out by an external agency? (Yes/No).
If “Yes”, name the external agency.
Yes, Varma and Varma, the Bank’s statutory auditor, have conducted assurance of the Bank’s BRSR Core Disclosures for
FY 2023-24.

5. Has the entity implemented a mechanism for Zero Liquid Discharge (ZLD)? If “Yes”, provide details of its
coverage and implementation.
Yes, the Bank has installed Sewage Treatment Plant (STP) at its Head Office in Mumbai, its office at Belapur and IDBI
Training College, Hyderabad and the treated water is reused for centralised air conditioning unit and gardening purpose.
6. Please provide details of air emissions (other than GHG emissions) by the entity in the following format:

Parameter Please specify unit Current Financial Previous Financial

Year 2023-24* Year 2022-23*

NOx Kg 2,856.88 6.49

SOx Kg 1.18 0.003

Particulate Matter (PM) Kg 150.36 0.34

Persistent organic pollutant (POP) NA NA NA

Volatile organic compounds (VOC) NA NA NA

Hazardous air pollutant (HAP) NA NA NA

Others- please specify NA NA NA

Note: Indicate if any independent assessment/ evaluation/ assurance has been carried out by an external agency? (Yes/No). If
“Yes”, name the external agency.

*- For FY 2023-24, the air emissions (other than GHG) has been estimated based on the fuel consumption of 17 locations, viz. the
Bank’s Head Office, its office in Belapur, IDBI Training College and 14 Zonal Offices. For FY 2022-23, the air emission (other than GHG)
was estimated based on the fuel consumption of only the Bank’s Head Office. Hence, the data for these two years is not comparable.

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7. Please provide details of greenhouse gas emissions (Scope 1 and Scope 2 emissions) and its intensity in the
following format:
Parameter Please specify unit Current Financial Previous Financial
Year 2023-24* Year 2022-23*
Total Scope 1 Emissions (Break-up of the Metric tonnes of CO2 285.97 0.58
GHG into CO2, CH4, N2O, HFCs, PFCs, SF6, equivalent
NF3, if available)
Total Scope 2 Emissions Metric tonnes of CO2 13,832.24 3,508.13
(Break-up of the GHG into CO2, CH4, N2O, equivalent
HFCs, PFCs, SF6, NF3, if available)
Total Scope 1 and Scope 2 emissions per Metric tonnes of CO2 0.47 0.14
rupee of turnover# equivalent / INR Crore
Total Scope 1 and Scope 2 emissions per Metric tonnes of CO2 1.04 0.32
rupee of turnover adjusted for Purchasing equivalent / Million USD
Power Parity (PPP)@
(Total Scope 1 & 2 emissions/ Revenue from
operations adjusted for PPP) (Metric tonnes of
CO2 equivalent / Million USD)
Total Scope 1 and Scope 2 emission Metric tonnes of CO2 0.47 0.14
intensity in terms of physical output$ equivalent / INR Crore
Emission intensity in terms of Full Time Metric tonnes of CO2 0.83 0.22
Employee& equivalent/ Full Time
Employee
Note: Indicate if any independent assessment/ evaluation/ assurance has been carried out by an external agency? (Yes/No).
If “Yes”, name the external agency.
Yes, Varma and Varma, the Bank’s statutory auditor, have conducted assurance of the Bank’s BRSR Core Disclosures for
FY 2023-24.
*- The GHG emissions data for FY 2023-24 and FY 2022-23 is not comparable as the Bank has considered the following 17 locations – the Bank’s Head
Office, its office in Belapur, IDBI Training College and 14 Zonal Offices for FY 2023-24 while for FY 2022-23, only the Bank’s Head Office was considered.
The GHG emissions data for the 2,004 branches and 208 offices have not been reported for FY 2023-24.
# - For computing the Total Scope 1 and Scope 2 emissions intensity per rupee of turnover for FY 2023-24, the Total Scope 1 and Scope 2 emissions for
the reported 17 locations has been divided by the Bank’s Total Turnover (Total Income) for FY 2023-24. In FY 2022-23, the Total Scope 1 and Scope 2
emissions per rupee of turnover has been computed by dividing the Total Scope 1 and Scope 2 emissions for the Bank’s Head Office by the Bank’s Total
Turnover (Total Income) for FY 2022-23.
@ - The implied PPP conversion rate published by International Monetary Fund (IMF) has been used for Purchasing Power Parity calculation. For FY 2023-
24, the value for 2023 has been considered. For FY 2022-23, the value for 2022 has been considered.
$ - For the intensity based on Physical Output, the Bank’s revenue from the retail banking segment has been considered since it has the highest share in
the Bank’s Total Revenue, i.e., 57.26% for FY 2023-24 and 60.66% for FY 2022-23.
& - For computing the Emission intensity in terms of Full Time Employee for FY 2023-24, the Total Scope 1 and Scope 2 emission has been divided by the
Bank’s Total Permanent Employees and Permanent Workers as on March 31, 2024. The share of employees in these 17 locations account for 22.71%
of the Bank’s total employee count as on March 31, 2024. For FY 2022-23, the emission intensity in terms of Full Time Employee has been computed by
dividing the Total Scope 1 and Scope 2 emission by the Bank’s Total Permanent Employees and Permanent Workers as on March 31, 2023. The share of
employees in the Head Office accounted for 7.86% of the Bank’s total employee count as on March 31, 2023.
8. Does the entity have any project related to reducing Greenhouse gas emissions? If “Yes”, then provide details.
Yes, the Bank has taken initiatives and implemented awareness campaigns to reduce energy consumption. The following
measures have been taken up by the Bank in FY2023-24 for reducing its energy consumption:
• Digitalisation of the movement of memorandums for its Board meetings resulting in reduction in paper consumption
and avoiding 4.78 tCO2e of carbon emission;
• Digitalisation of credit card statements helping in avoiding 1.01 tCO2e of carbon emission;
• Maintaining the AC room temperature at 25°C;
• Switching off lights in cabins and back-office areas when not in use;
• Switching off PCs/ laptops when not used for more than 30 mins;
• Turning off television, photocopier, shredder machine and other business automation equipment when not in use
or at the end of the day;
• Maximising use of natural light and use of electrical lighting only when necessary;
• Using inverter type/ Variable Refrigerant Flow (VRF) energy efficient ACs in some of the new branches/ Zonal
Offices;

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• Maintaining Power Factor (PF) close to unity through Automatic Power Factor Correction (APFC) Panel in the
Zonal Offices and the metro branches;
• Replaced the standard electrical motor with energy efficient motor in Sewage Treatment Plant; and
• Renewing Annual Maintenance Contracts for all equipment in a timely manner for ensuring smooth functioning
and avoiding energy losses.
With regard to the lending portfolio, the Bank’s lending policy encourages sustainable financing, thereby contributing
positively in GHG reduction. The Bank has a specific product for the priority sector segment that focuses on environment
and climate change. The Bank has launched a product, viz. IDBI Surya Shakti, to encourage utilisation of renewable
energy in household and farm electricity requirement by extending financial assistance for purchase of solar water heater,
solar lighting system and solar pump. As at end-March 2024, the Bank had over 100 accounts under this product with
an outstanding loan amount of ` 446 lakh.

9. Provide details related to waste management by the entity in the following format:

Parameter Current Financial Previous Financial

Year 2023-24* Year 2022-23*
Total Waste Generated (in Metric Tonnes)
Plastic Waste (A) 4.99 Not Available
E-Waste (B) 21.88 2.87
Bio-medical Waste (C) 0 Not Available
Construction and Demolition Waste (C&D) (D) 2.61 Not Available
Battery Waste (E) 0 Not Available
Radioactive Waste (F) 0 Not Available
Other Hazardous Waste generated (G) 0 Not Available
(Please specify, if any)
Other Non-Hazardous Waste generated (H) 125.37 408.00
(Please specify, if any)
Total Waste Generated 154.85 410.87
(A+B+C+D+E+F+G+H)
Waste intensity per rupee of turnover (Metric Tonnes / INR Crore)# 0.01 0.02
(Total waste generated/ Revenue from operations)
Waste intensity per rupee of turnover adjusted for Purchasing Power 0.01 0.04
Parity (PPP)@
(Total waste generated/ Revenue from operations adjusted for PPP)
(Metric Tonnes / Million USD)
Waste intensity in terms of physical output (Metric Tonnes / INR 0.01 0.02
Crore)$
Waste intensity in terms of Full Time Employee (Metric Tonnes/ Full 0.01 0.03
Time Employee)&
For each category of waste generated, total waste recovered through recycling, re-using or
other recovery operations (in metric tonnes)
Category Waste
(i) Recycled 25.57 170.87
(ii) Re-used 0 Not Available
(iii) Other recovery operations 0 Not Available
Total 25.57 170.87
For each category of waste generated, total waste disposed by nature of disposal method (in metric tonnes)
Category Waste
(i) Incineration 0 Not Available
(ii) Landfilling 129.28 240.00
(iii) Other disposal operations 0 Not Available
Total 129.28 240.00

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Note: Indicate if any independent assessment/ evaluation/ assurance has been carried out by an external agency? (Yes/No).
If “Yes”, name the external agency.
Yes, Varma and Varma, the Bank’s statutory auditor, have conducted assurance of the Bank’s BRSR Core Disclosures for
FY 2023-24.
*- The waste generated data for FY 2023-24 and FY 2022-23 is not comparable as the Bank has considered the following 3 locations for FY 2023-24 –
the Bank’s Head Office, its office in Belapur and IDBI Training College while for FY 2022-23, the waste generated was estimated for only the Bank’s Head
Office based on waste generated per day and the number of working days.
# - For computing waste intensity per rupee of turnover for FY 2023-24, the waste generated for the reported 3 locations has been divided by the Bank’s
Total Turnover (Total Income) for FY 2023-24. In FY 2022-23, the waste generated per rupee of turnover has been computed by dividing the waste
generated for the Bank’s Head Office by the Bank’s Total Turnover (Total Income) for FY 2022-23.
@ - The implied PPP conversion rate published by International Monetary Fund (IMF) has been used for Purchasing Power Parity calculation. For FY 2023-
24, the value for 2023 has been considered. For FY 2022-23, the value for 2022 has been considered.
$ - For the intensity based on Physical Output, the Bank’s revenue from the retail banking segment has been considered since it has the highest share in
the Bank’s Total Revenue, i.e., 57.26% for FY 2023-24 and 60.66% for FY 2022-23.
& - For computing the waste intensity in terms of Full Time Employee for FY 2023-24, the waste generated has been divided by the Bank’s Total Permanent
Employees and Permanent Workers as on March 31, 2024. The share of employees in these 17 locations account for 22.71% of the Bank’s total employee
count as on March 31, 2024. For FY 2022-23, the waste intensity in terms of Full Time Employee has been computed by dividing the waste generated by
the Bank’s Total Permanent Employees and Permanent Workers as on March 31, 2023. The share of employees in the Head Office accounted for 7.86%
of the Bank’s total employee count as on March 31, 2023.

10. Briefly describe the waste management practices adopted in your establishments. Describe the strategy
adopted by your company to reduce usage of hazardous and toxic chemicals in your products and processes
and the practices adopted to manage such wastes.
Given the type of sector, e-waste is one of the critical hazardous wastes. The Bank has developed e-waste management
policy, which covers all the branches, verticals, Regional Offices and Zonal Offices. Following the extant disposal
guidelines laid down by the Ministry of Environment, Forest and Climate Change (MOEFCC), the Bank ensures that
all the e-waste is disposed of within 180 days of its generation. All the e-waste is disposed only to the registered
recyclers. The Bank has also put in place system for tracking of the e-waste generated and disposed. The supporting
certificates of the disposal issued by respective recycler has been recorded in the IT Asset Management System
(ACMS) portal.
11. If the entity has operations/ offices in & around ecologically sensitive areas (such as national parks, wildlife
sanctuaries, biosphere reserves, wetlands, biodiversity hotspots, forests, coastal regulation zones, etc.) where
environmental approvals/ clearances are required, please specify details in the following format:

S. Location of operations/ Type of operations Whether the conditions of environmental

No. offices approval/ clearance are being complied
with? (Yes/No)
If “No”, the reasons thereof and corrective
action taken, if any.

The question is not applicable to the Bank being a financial service provider. However, the Bank endeavours to operate in
a sustainable manner and ensures compliance with relevant environmental laws and regulations. The Bank’s Credit Policy
stipulates restrictions on environmentally detrimental industries such as those producing/ consuming ozone depleting
substances while encouraging sustainable financing. Furthermore, the Bank’s lending policy encourages sustainable
financing.

12. Details of environmental impact assessments of projects undertaken by the entity based on applicable laws in
the current financial year 2023-24:

Name and brief EIA Notification Date Whether Results Relevant

of the project No. conducted by communicated Web-link
independent in public
agency (Yes/No) domain (Yes/No)

Not applicable

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13. Is the entity compliant with the applicable environmental law/ regulations/ guidelines in India such as the Water
(Prevention and Control of Pollution) Act, Air (Prevention and Control of Pollution) Act, Environment Protection
Act and Rules thereunder (Yes/ No). If “Not”, provide details of all such non-compliances in the following
format:

S. Specify the law/ Provide details of the Any fines/ penalties/ Corrective action taken,
No. regulation/ guidelines non-compliance action taken by if any
which is not compliant regulatory agencies
such as pollution
control board or by
courts
Yes, the Bank is compliant with the applicable environmental laws/ regulations/ guidelines in India such as Water
(Prevention and Control of Pollution) Act, Air (Prevention and Control of Pollution) Act, Environment Protection Act and
Rules thereunder. No instances of non-compliance to these laws/ regulations/ guidelines have been observed/ reported.

Leadership Indicators
1. Water withdrawal, consumption and discharge in areas of ‘Water Stress’ (in kilo litres):
For each facility/ plant located in areas of water stress, provide the following information:
i. Name of area
ii. Nature of operations
iii. Water withdrawal, consumption, and discharge in the following format:

Parameter Current Financial Previous Financial

Year 2023-24 Year 2022-23
Water withdrawal by source (in kilo litres)
(i) Surface Water - -
(ii Ground Water - -
(iii) Third Party Water - -
(iv) Seawater/ Desalinated Water - -
(v) Others - -
Total volume of water withdrawal (in KL) - -
Total volume of water consumption (in KL) - -
Water intensity per rupee of turnover - -
(Water consumed/ Turnover)
Water intensity (optional)- the relevant metric may be selected by - -
the entity
Water discharge by destination and level of treatment (in Kilo litres)
(i) To Surface Water
- No treatment - -
- With treatment- please specify level of treatment - -
(ii) To Ground Water
- No treatment - -
- With treatment- please specify level of treatment - -

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Parameter Current Financial Previous Financial

Year 2023-24 Year 2022-23
(iii) Sent to Third Party Water

- No treatment - -

- With treatment- please specify level of treatment - -

(iv) Into Seawater

- No treatment - -

- With treatment- please specify level of treatment - -

(v) Others

- No treatment - -

- With treatment- please specify level of treatment - -

Total water discharged

(in kilo-litres- Kl)

Note: Indicate if any independent assessment/ evaluation/ assurance has been carried out by an external agency?
(Yes/No). If “Yes”, name the external agency.

2. Please provide details of total Scope 3 emissions and its intensity in the following format:

Parameter Please specify unit Current Financial Previous Financial

Year 2023-24 Year 2022-23

Total Scope 3 Emissions Metric tonnes of CO2 Not Available Not Available
(Break-up of the GHG into CO2, CH4, N2O, equivalent
HFCs, PFCs, SF6, NF3, if available)

Total Scope 3 emissions per rupee of turnover (Metric tonnes of CO2 Not Available Not Available
equivalent / INR Crore)

Total Scope 3 Emission Intensity in terms of (Metric tonnes of CO2 Not Available Not Available
Full Time Employee equivalent/ FTE)

Note: Indicate if any independent assessment/ evaluation/ assurance has been carried out by an external agency? (Yes/No).
If “Yes”, name the external agency.

3. With respect to the ecologically sensitive areas reported in Qs. 11 of Essential Indicators above, provide details
of significant direct & indirect impact of the entity on biodiversity in such areas along with prevention and
remediation activities.
The question is not applicable to the Bank being a financial service provider. However, the Bank endeavours to operate in
a sustainable manner and ensures compliance with relevant environmental laws and regulations. The Bank’s Credit Policy
stipulates restrictions on environmentally detrimental industries such as those producing/ consuming ozone depleting
substances while encouraging sustainable financing. Furthermore, the Bank’s lending policy encourages sustainable
financing.

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4. If the entity has undertaken any specific initiatives or used innovative technology or solutions to improve
resource efficiency, or reduce impact due to emissions/ effluent discharge/ waste generated, please provide
details of the same as well as outcome of such initiatives, as per the following format:

S. Initiative Details of the initiative (Web-link, if any, Outcome of the Initiative

No. undertaken may be provided along with summary)
The Bank has taken initiatives such as digitalisation of the movement of memorandums for its Board meetings and
digitilisation of credit card statements which has helped in reducing paper consumption. Furthermore, in order to
conserve electricity, the AC room temperature is maintained at 25°C; lights in cabins and back-office areas, PCs/
laptops, television, photocopier, shredder machine and other business automation equipment are switched off when
not in use; use of natural light is encouraged by the Bank to ensure that electrical lighting is used only when necessary.
Furthermore, inverter type/ Variable Refrigerant Flow (VRF) energy efficient ACs are being used in some of its new
branches/ Zonal Offices. The Bank is also maintaining Power Factor (PF) close to unity through Automatic Power Factor
Correction (APFC) Panel in Zonal Offices and metro branches. The Bank has also replaced standard electrical motor with
energy efficient motor in Sewage Treatment Plant. The Annual Maintenance Contracts for all equipments are renewed in
a timely manner for ensuring smooth functioning and avoiding energy losses. All these initiatives have been undertaken
as Bank’s contribution towards conservation of energy.

5. Does the entity have a business continuity and disaster management plan? Give details in 100 words/ web-link.
Yes, the Bank has put in place a Board-approved Business Continuity Management framework to facilitate continuity
of critical business functions, in the event of any disruption/ disaster. The Bank’s Business Continuity Management
System (BCMS) is ISO22301:2019 compliant. The BCM comprises Business Continuity Plan (BCP) and Disaster
Management Plan (DMP). The BCM documents, inter alia, incorporate the modalities, in an event of business disruption
and consequent recovery strategies and plans. The resilience of these plans under different disruption scenarios are
tested on an on-going basis through BCP testing exercises, DR drills for critical IT applications and mock evacuation
drills at the Bank’s owned premises. To mitigate the risk of system failure, the Bank has set up a Disaster Recovery (DR)
site at Chennai and a near DR site at Mumbai. The Bank periodically carries out DR drill exercises to test the capabilities
of its DR site. Reporting of any disruption incident and BCM activities is automated through an application software i.e.
i-DaB. The Bank’s Annual Report provides the details of its Business Continuity Management processes (https://apps.
idbibank.in/idbiapp/idbi-bank-anual-report.aspx).
6. Disclose any significant adverse impact to the environment, arising from the value chain of the entity. What
mitigation or adaptation measures have been taken by the entity in this regard.
Nil.
At present, no significant impact has been reported arising from value chain partners of the Bank.
7. Percentage of value chain partners (by value of business done with such partners) that were assessed for
environmental impacts.
No such assessment was conducted during the year.

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Principle 7: Businesses, when engaging in influencing public and regulatory policy,

should do so in a manner that is responsible and transparent
Essential Indicators
1. (a) Number of affiliations with trade and industry chambers/ associations.
The Bank is affiliated to numerous trade and industry chambers/ associations.
(b) List the top 10 trade and industry chambers/ associations (determined based on the total numbers of
such body) the entity is member of/ affiliated to.

S. Name the trade and industry chambers/ associations* Reach of trade and
No. industry chambers/
associations (State/
National)
1. Associated Chambers of Commerce and Industry of India (ASSOCHAM) National
2. Confederation of Indian Industry (CII) National
3. Federation of Indian Chambers of Commerce & Industry (FICCI) National
4. Financial Benchmarks India Pvt Ltd (FBIL) National
5. Fixed Income Money Market & Derivatives Association of India (FIMMDA) National
6. Forex Association of India (FAI) National
7. Foreign Exchange Dealers’ Association of India (FEDAI) National
8. Indian Banks Association (IBA) National
9. Primary Dealers’ Association of India (PDAI) National
* - The list of names is indicative and not exhaustive.

2. Provide details of corrective action taken or underway on any issues related to anti-competitive conduct by the
entity, based on adverse orders from regulatory authorities.

Name of authority Brief of the Case Corrective action taken

0 0 0

Leadership Indicators
1. Details of public policy positions advocated by the entity:

S. Public policy Method resorted Whether information available Frequency of Web Link, if
No. advocated for such advocacy in public domain (Yes/No) Review by Board available
The Bank is committed to engage in public advocacy process in a responsible and ethical way by participating in
discussions with the governments, policymakers, regulators, industry bodies/ trade associations and other stakeholders.

Principle 8: Businesses should promote inclusive growth and equitable development

Essential Indicators
1. Details of Social Impact Assessments (SIA) projects undertaken by the entity based on applicable laws in the
current financial year 2023-24:

Name and SIA Date of Whether conducted by Results communicated Relevant

brief detail of Notification notification independent external in public domain web-link
project No. agency (Yes/ No) (Yes/No)
Not applicable

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2. Provide information on project(s) for which ongoing Rehabilitation and Resettlement (R&R) is being undertaken
by your entity in the following format:

S. Name of the project State District No. of project %of PAFs Amounts paid
No. for which R&R is affected covered by to PAFs in the
ongoing families (PAFs) R&R FY (in INR)
Not applicable

3. Describe the mechanisms to receive and redress grievances of the community.

The Bank has incorporated grievance redressal mechanism in its CSR policy which has been made publicly available on
its website (https://www.idbibank.in/pdf/CSR-Policy.pdf).

4. Percentage of input material (input to total inputs by value) sourced from suppliers:

Current Financial Year 2023-24 Previous Financial Year 2022-23

Directly sourced from MSMEs/ Small The Bank’s primary inputs are technology-related services and stationary
producers items. Furthermore, the Bank is in the process of compiling relevant
Directly from within India information from its suppliers about their coverage under the Micro, Small and
Medium Enterprises Development Act, 2006.

5. Job creation in smaller towns: Disclose wages paid to persons employed (including employees or workers
employed on a permanent or non-permanent/ on contract basis) in the following locations, as % of the total
wage cost:

Location Current Financial Year 2023-24 Previous Financial Year 2022-23

Rural 6.75% 6.46%
Semi-Urban 14.75% 14.00%
Urban 23.12% 22.74%
Metropolitan 55.38% 56.80%
Note: Place categorised as per RBI Classification System- rural/ semi-urban/ urban/ metropolitan.

Leadership Indicators
1. Provide details of actions taken to mitigate any negative social impacts identified in the Social Impact
Assessments (Reference Qs. 1 of Essential Indicators above).

Details of negative social impact identified Corrective action taken

Not applicable
2. Provide the following information on CSR projects undertaken by your entity in designated aspirational districts
as identified by government bodies:

S. State Aspirational District Amount Spent

No. (in INR)
1 Bihar Aurangabad 41,65,552
2 Uttarakhand Udham Singh Nagar 6,00,000
3 Uttarakhand Haridwar 1,00,000
4 Odisha Rayagada 24,06,167

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3. (a) Do you have a preferential procurement policy where you give preference to purchase from suppliers
comprising marginalised/ vulnerable groups? (Yes/No)
Yes, uniform guidelines issued from time-to-time by the Department of Expenditure, Government of India are
followed for procurement. (Web-link - https://doe.gov.in/manuals)
(b) From which marginalised/ vulnerable groups do you procure?
The Bank doesn’t maintain data in this regard. However, the Bank follows uniform guidelines issued from
time-to-time by the Department of Expenditure, Government of India, for procurement.
(c) What percentage of total procurement (by value) does it constitute?
The Bank doesn’t maintain data in this regard. However, the Bank follows uniform guidelines issued from
time-to-time by the Department of Expenditure, Government of India, for procurement.
4. Details of the benefits derived and shared from the intellectual properties owned or acquired by your entity (in
the current financial year 2023-24), based on traditional knowledge:

S. Intellectual Property Owned/ Acquired (Yes/ Benefit Shared (Yes/ Basis of calculating
No. based on traditional No) No) benefit share
knowledge
Not applicable
5. Details of corrective actions taken or underway, based on any adverse order in intellectual property related
disputes wherein usage of traditional knowledge is involved.

Name of authority Brief of Case Corrective action taken

Not applicable
6. Details of beneficiaries of CSR Projects:

No. of persons % Beneficiaries

S. benefited from from vulnerable
CSR Project
No. CSR Projects & marginalised
groups
1 Healthcare: Nutrition to orphan children, old age people and 63,706 99.47%
destitute as well as patients, attendants and healthcare workers,
promoting health awareness, repair and renovation of healthcare
centres
2 Education: Training and skill development activity, supplying books 4,325 92.00%
and stationary for children, entrepreneurship for women, supporting
academic expenses
3 Rural Development: Social, economic and rural transformation 111 Non-measurable
under Mission MahaGram and installation of Aadhar enabled POP
machines at Procurement Centres
4 Environmental Sustainability: Promoting Environmental Non-measurable Non-measurable
sustainability and Animal welfare as well as improvement of water
quality and abatement of water pollution by improving the condition
of rivers
5 Contributions to Indian Institute of Technology (IIT): Creation of Non-measurable Non-measurable
Cyber Security Laboratory to mitigate and prevent cyber security
threats
6 Admissible Funds: CSR contribution to the PM CARES Fund in Non-measurable Non-measurable
order to deal with any emergency situation and to provide relief to
the affected people

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Principle 9: Business should engage with and provide value to their consumers in a
responsible manner
Essential Indicators
1. Describe the mechanisms in place to receive and respond to consumer complaints and feedback.
The Bank has put in place a Board-approved policy on Grievance Redressal. The policy defines Grievance Redressal
mechanism for the customer complaints of the Bank. All the complaints by the customer/ non-customer can be lodged
through multiple channels in the Standardised Public Grievance Redressal System (SPGRS) module of the Customer
Value Management (CVM) to ensure timely & qualitative redressal of complaints. In case of non-resolution within the
stipulated timeframe, the complainant may escalate the complaint through the website or the link that is provided in the
SMS triggered to the customer on resolution of a complaint. The complainant may escalate the complaints to the next
authority as per the three-tier escalation matrix provided in the mechanism. In case grievance is not resolved within 30
working days of lodging of complaint, the customer can approach Office of the RBI Ombudsman (ORBIO) as per the
extant guidelines.
Further, in line with the Internal Ombudsman Scheme 2018, a complaint which is partly or wholly rejected by the Bank’s
internal grievance redressal mechanism are internally escalated to the Bank’s Internal Ombudsman (IO) for review before
replying to the complainant. The Bank has adopted the Master Direction – Reserve Bank of India (Internal Ombudsman
for Regulated Entities) Directions, 2023 from January 2024.
2. Turnover of products and/services as a percentage of turnover from all products/services that carry information
about:

Parameters As percentage to total turnover

Environmental and social Not applicable
parameters relevant to the
product
Safe and responsible usage The Bank regularly conducts customer awareness campaigns aimed at
promoting safe banking practices and raising awareness about cyber-crime
and fraud prevention. These initiatives utilise various communication channels,
including SMS/ email, social media, the Bank’s website, ATMs, Go Mobile+,
Internet Banking, branch meetings and regional customer meets. Additionally,
educational efforts cover the use of services like Aadhaar Enabled Payment
Service at BC points, with Do’s and Don’ts published on notice boards to promote
safe banking practices. Educational content on safe transaction methods is
reinforced through regular communications such as emails and SMSes and
integrated into key documents like Letters of Intent and loan agreements.
Recycling and/or safe disposal Not applicable
3. Number of consumer complaints in respect of the following:

Current Financial Year Previous Financial Year

2023-24 2022-23
Remarks Remarks
Pending at Pending at
Received Received
end of year end of year
Data Privacy 4 0 - 0 0 -
Advertising 0 0 - 0 0 -
Cyber-security 4,231 0 Complaints related to 5,771 4 Complaints relating to
Unauthorised Electronic Unauthorised Electronic
Banking Transactions Banking Transactions
(UEBT) (UEBT)

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Current Financial Year Previous Financial Year

2023-24 2022-23
Remarks Remarks
Pending at Pending at
Received Received
end of year end of year
Delivery of 518 10 Complaints related to 573 5 Complaints related to
essential non- receipt of non- receipt of deliverables,
services deliverables, viz. ATM viz. ATM Cards, hard
Cards, hard copy of i-net copy of i-net Pin, loan
Pin, loan documents, etc. documents, etc.
Restrictive Trade 0 0 - 0 0 -
Practices
Unfair Trade 0 0 - 0 0 -
Practices
Customer 54,961 272 All complaints except 58,888 1,105 All complaints except
Complaints above. above. The data for FY
2022-23 has been revised
to include ‘ATM disputes
not resolved within T+1
day’ as against ‘ATM
disputes with TAT of more
than T+5 days’ reported
last year.

4. Details of instances of product recalls on account of safety issues:

Number Reasons for recall

Voluntary Recalls
Not applicable
Forced Recalls

5. Does the entity have a framework/ policy on cyber security and risks related to data privacy? (Yes/No). If
available, provide a web-link of the policy.
Yes, the Bank has a Board-approved Information Security Policy (ISP) and Cyber Security Policy (CSP) that
clearly defines the appropriate approach to combat cyber threats and to ensure that information is protected from
unauthorised access; confidentiality and integrity of the information is maintained and timely availability of IT resources
to legitimate users is ensured. Both the policies, ISP & CSP, are hosted on the Bank’s Intranet, communicated to
relevant personnel and relevant interested parties, and reviewed at pre-defined intervals and if any significant
changes occur.
The Bank has adopted several measures to enhance the security of customer details and to protect their accounts.
Do’s and Don’ts and Information Security guidelines are hosted on the Bank’s website that set out simple steps the
customers can follow to ensure that their money and personal details are safe and secure.
These guidelines can be accessed on the Bank’s website under the following links (https://www.idbibank.in/dos-donts-
banking.aspx) and (https://www.idbibank.in/information-security.aspx)
6. Provide details of any corrective actions taken or underway on issues relating to advertising, and delivery of
essential services, cyber security, and data privacy of customers; re-occurrence of instances of product recalls,
penalty/ action taken by regulatory authorities on safety of products/ services.
With respect to advertising, no corrective action has been taken or is underway by any regulatory/ statutory authority.
Further, the Bank has not encountered any such incident related to cyber security and data privacy of customers.
Corrective actions shall be initiated as and when any such incidents happen as per laid down guidelines. All major
IT incidences and IT security incidences are being reported to the Information Technology Strategy Committee of
Board (ITSCB).

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7. Provide the following information relating to data breaches:

(a) Number of instances of data breaches:
Nil
(b) Percentage of data breaches involving personally identifiable information of customers.
Not applicable
(c) Impact, if any, of the data breaches.
Not applicable

Leadership Indicators
1. Channels/ platforms where information on products and services of the entity can be accessed (provide web
link, if possible)
Information regarding the Bank’s products and services are available on the Bank’s website (www.idbibank.in) and
product posts on the Bank’s products and services are available on the Bank’s social media platforms:
• Facebook (https://www.facebook.com/IDBIBank/)
• X (https://x.com/idbi_bank)
• Instagram (https://www.instagram.com/idbibankofficial/)
• LinkedIn (https://in.linkedin.com/company/idbi-bank)
• YouTube (https://www.youtube.com/IDBIBANK
2. Steps taken to inform and educate consumers about safe and responsible usage of products and/ or services.
The Bank regularly conducts customer awareness campaigns aimed at promoting safe banking practices and raising
awareness about cyber-crime and fraud prevention. These initiatives utilise various communication channels, including
SMS/Email, social media, the Bank’s website, ATMs, Go Mobile+, Internet Banking, branch meetings and regional
customer meets. Additionally, educational efforts cover the use of services like Aadhaar Enabled Payment Service at the
BC points, with Do’s and Don’ts published on notice boards to promote safe banking practices. Educational content on
safe transaction methods is reinforced through regular communications such as emails and SMSes and integrated into
key documents like Letters of Intent and loan agreements.
Further, to educate customers and to enable them to avail the services responsibly, the Bank has commenced
incorporating additional specific details of the loan account in the statement of loan sent periodically which includes
prevailing interest rate of loan and residual tenure. Further, in the scenario of any hike in interest rate due to upward
revision in benchmark rates, customers are duly informed on the options available so that they may choose to make part
payment to continue with existing EMI or increase the EMI to repay the loan within the existing tenor or increase the tenor
to the extent possible or switchover to fixed rate of interest. Any revision in interest rates or service charges schedule,
etc. affecting terms of loan of customers are duly hosted on the Bank’s website.
3. Mechanism in place to inform consumers of any risk of disruption/ discontinuation of essential services.
The Bank has a well-defined Business Continuity Plan for all its processes and locations. The customers are informed by
way of emails, notices on the Bank’s website, mobile applications banners, SMS alerts, calls, etc. In extreme situations
for any location facing downtime, the customers are directed to the nearest locations and their transactions are attended
appropriately. The Business Correspondents, who primarily cater to the customers in remote areas where the Bank
doesn’t have a presence, use IT-enabled platforms for financial activities, with server control with the Bank. The BCs
have backup plan in place for potential disruptions and in case, essential services are disrupted beyond their capacity to
resolve, the customers are redirected to the nearest IDBI Bank branch for assistance.
4. Does the entity display product information on the product over and above what is mandated as per the local
laws? (Yes/ No/ Not Applicable). If “Yes”, provide details in brief. Did your entity carry out any survey about
customer satisfaction relating to the major products/ services of the entity, significant locations of operation of
the entity or the entity as a whole? (Yes/ No).
The Bank provides detailed information about its products and services through its website (www.idbibank.in) and social
media platforms. The Bank prominently displays its offerings and features at various touchpoints like branches and
ATMs. The Bank periodically interacts with its customers for their feedback on products and services. The Bank also
conducts customer satisfaction surveys on an annual basis.

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Independent Practitioner’s Reasonable Assurance report on the Identified Sustainability Information in IDBI Bank Ltd
(the ‘Bank’) Business Responsibility and Sustainability Report for the period from April 1, 2023 to March 31, 2024.
To the Board of Directors of IDBI Bank Ltd,
1. We have undertaken to perform a reasonable assurance engagement, for IDBI Bank Ltd (“the Bank”) vide Appointment
letter no. IDBI Bank/CSPD/2023-24/236 dated March 14, 2024 in respect of the agreed Sustainability Information listed
below (the “Identified Sustainability Information” or ISI or “BRSR Core Indicators”) in accordance with the criteria stated
in paragraph 4 below. This Sustainability Information is included in the Business Responsibility and Sustainability Report
(the ”BRSR” or the “Report”) of the Bank for the year ended March 31, 2024. This Engagement was conducted by a
team of Assurance Practitioners.
Scope of Assurance.
2. Our scope of reasonable assurance consists of the Identified Sustainability Information (ISI) listed in Annexure A to our
report. The reporting boundary of the Report is as disclosed in Question 13 of Section A: General Disclosure of the BRSR
with exceptions disclosed by way of note under respective questions of the BRSR, where applicable.
3. Our reasonable assurance engagement was with respect to the year ended March 31, 2024 information only and we
have not performed any procedures with respect to earlier periods or any other elements included in the BRSR and,
therefore, do not express any conclusion thereon.
Reporting Criteria
4. The Reporting Criteria used by the Bank to prepare the Identified Sustainability Information is summarized below:
a. Regulation 34(2)(f) of the Securities and Exchange Board of India (SEBI) Listing Obligations and Disclosure
Requirements (SEBI LODR), 2015 as amended;
b. Business Responsibility and Sustainability Reporting Requirements for listed entities as per SEBI Master circular
number SEBI/HO/CFD/CFD-SEC-2/P/CIR/2023/120 dated July 11, 2023 and SEBI/HO/CFD/CFD-SEC-2/P/
CIR/2023/122 dated July 12, 2023.
c. Guidance notes for BRSR format issued by SEBI.
d. Standard on Sustainability Assurance Engagements. [SSAE] 3000, “Assurance engagements on Sustainability
information”, issued by the Sustainability Reporting Standards Board of the Institute of Chartered Accountants of
India.
e. Standard on Assurance Engagements (SAE) 3410 Assurance Engagements on Greenhouse Gas Statements,
issued by the Sustainability Reporting Standards Board of the Institute of Chartered Accountants of India.
Management’s Responsibility
5. The Bank’s management is responsible for selecting or establishing suitable criteria for preparing the Sustainability
Information including the reporting boundary of the Report, taking into account applicable laws and regulations, if
any, related to reporting on the Sustainability Information, Identification of key aspects, engagement with stakeholders,
content, preparation and presentation of the Identified Sustainability Information in accordance with the Criteria.
6. This responsibility includes design, implementation and maintenance of internal control relevant to the preparation of the
BRSR and the measurement of Identified Sustainability Information, which is free from material misstatement, whether
due to fraud or error.
Inherent limitations
7. The absence of a significant body of established practice on which to draw to evaluate and measure non-financial
information allows for different, but acceptable, measures and measurement techniques and can affect comparability
between entities.
Our Independence and Quality Control
8. We have maintained our independence and confirm that we have met the requirements of the Code of Ethics issued by
the Institute of Chartered Accountants of India (the “ICAI”) and SEBI/HO/CFD/CFD-SEC-2/P/CIR/2023/122 dated July

dm{f©H$ [anmoQ>© Annual Report 2023-24 277

 12, 2023, and its clarifications thereto and have the required competencies and experience to conduct this assurance
engagement.
9. We apply Standards on Quality Control (SQC) 1, “Quality Control for Firms that Perform Audit and Review of Historical
Financial Information, and Other Assurance and Related Services Engagements”, and accordingly maintain a
comprehensive system of quality control including documented policies and procedures regarding compliance with
ethical requirements, professional standards, and applicable legal and regulatory requirements.
Our Responsibility
10. Our responsibility is to express a reasonable assurance conclusion on the Identified Sustainability Information listed in
Annexure A based on the procedures we have performed and evidence we have obtained.
11. We conducted our engagement in accordance with the Standard on Sustainability Assurance Engagements (SSAE)
3000, “Assurance Engagements on Sustainability Information” and Standard on Assurance Engagements (SAE) 3410
Assurance Engagements on Greenhouse Gas Statements (together the “Standards”), both issued by the Sustainability
Reporting Standards Board (the “SRSB”) of the Institute of Chartered Accountants of India.
12. These standards requires that we plan and perform our engagement to obtain reasonable assurance about whether the
Identified Sustainability Information listed in Annexure A and included in the Report are prepared, in all material respects,
in accordance with the Reporting Criteria stated under paragraph 4 above.
13. As part of reasonable assurance engagement in accordance with Standards, we exercise professional judgement and
maintain professional skepticism throughout the engagement.
14. A reasonable assurance engagement involves assessing the risks of material misstatement of the Identified Sustainability
Information whether due to fraud or error, responding to the assessed risks as necessary in the circumstances.
15. The procedures we performed were based on our professional judgment and included inquiries, observation of processes
performed, inspection of documents, evaluating the appropriateness of quantification methods and reporting policies,
analytical procedures and agreeing or reconciling with underlying records.
16. Given the circumstances of the engagement, in performing the procedures listed above, we:
• Obtained an understanding of the Identified Sustainability Information and related disclosures;
• Made enquiries of the Bank’s Management and concerned departments of the Bank with the responsibility for
preparation of the Report.
• Tested the Bank’s process for collating the sustainability information through agreeing or reconciling the identified
Sustainability Information with the underlying records on a sample basis.
• Performed substantive testing on a sample basis of the identified sustainability indicators at sample basis, to verify
that data had been appropriately measured with the underlying documents recorded, collated and reported. This
included assessing records and performing testing, including recalculation of sample data.
• Obtained an understanding of the processes, controls for recording and reporting on the Identified Sustainability
information at the Head office and other locations listed in Annexure B under the reporting boundary and tested
the consolidation of all the 14 zonal offices, its office in Belapur, Training College and the Head office in Mumbai to
ensure the completeness of data being reported.
• Performed analytical procedures to analyze trends in the historical data and accordingly ascertain the
reasonableness of the data reported in the current year.
We believe that the evidence we have obtained is sufficient and appropriate to provide a basis for our reasonable
assurance conclusion.
Exclusions:
17. Our assurance scope excludes the following and therefore we do not express a conclusion on the same:
• Operations of the Bank other than those mentioned in the “Scope of Assurance”.

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• Aspects of the BRSR and the data/information (qualitative or quantitative) other than the Identified Sustainability
Information.
• Data and information outside the defined reporting period i.e., April 1, 2023, till March 31, 2024.
• The statements that describe expression of opinion, belief, aspiration, expectation, aim, or future intentions
provided by the Bank.
• Data and information relating to Domestic and International branches of the Bank except Locations other than in
Annexure B.
Other Information
18. The Bank’s Management is responsible for the Other Information. The Other Information comprises the Information
included within the BRSR and the Annual Report, other than Identified Sustainability Information and our Independent
assurance report dated June 27, 2024 thereon.
19. Our Conclusion on the Identified Sustainability Information does not cover the Other Information and we do not express
any form of assurance thereon.
20. In connection with our assurance engagement of the Identified Sustainability Information, our responsibility is to read the
Other Information and, in doing so, consider whether the Other Information is materially inconsistent with the Identified
Sustainability Information or otherwise appears to be materially misstated.
21. If, based on the work we have performed, we conclude that there is a material misstatement of this other information,
we are required to report that fact. We have nothing to report in this regard.
Basis for Qualified Assurance
22.
a) The Bank operates from its Head Office, 2004 Branches (including one international Branch), Other 225 Offices
including learning centers The information considered for reporting in
i. Principle 6, Question 7 of Essential Indicators
ii. Principle 6, Question 3 and 4 of Essential Indicators
iii. Principle 6, Question 1 of Essential Indicators
iv. Principle 6, Question 9 of Essential Indicators (Annexure B (ii))
relates to only the Bank’s Head Office in Mumbai, its office in Belapur, its Training College in Hyderabad and 14
Zonal Offices, as listed in Annexure B of the Report. The information relating to 2,004 Branches and 208 Offices
have not been ascertained and is not considered for the purposes of reporting under the said Questions/Indicators.
Accordingly, the resultant Reporting under this principle and ratios reported therein do not fully represent the Bank
Level information.
b) Further, out of the 17 locations listed in Annexure B to the report, as described in the Note to BRSR Section
C ‘Principle 6 “Business should respect and make efforts to protect and restore the environment” – Essential
Indicators 3 “Details related to Water” of the Report, Bank has used indirect estimation for 11 locations instead
of the approach provided under the BRSR guidance note to determine complete and accurate disclosures for
“Details related to Water” indicators. In the absence of sufficient appropriate evidence to check the completeness
and accuracy of the values disclosed under “Details related to Water” as at and for the year ended March 31,
2024, we were unable to determine whether any adjustments to the reported figures with respect to “Details
related to Water” were necessary or not as at and for the year ended March 31, 2024.
Emphasis of Matter:
23. As described in Notes to BRSR Section C “Principle 8: Businesses should promote inclusive growth and equitable
development”- Essential Indicator 4 “Percentage of Input material (input to total inputs by value) sourced from suppliers”
and Schedule 18(C)(IV) of the Audited Financial Statements for the year ended March 31, 2024, the Bank is in the process

dm{f©H$ [anmoQ>© Annual Report 2023-24 279

 of identifying complete list of Suppliers registered under MSME Act, 2006 and also compiling relevant information for
purpose of disclosures.
24. For purpose of determining No of Days Accounts Payable as required under BRSR Section C “Principle 1: Businesses
should conduct and govern themselves with integrity, and in a manner that is Ethical, Transparent, and Accountable” –
Essential Indicator 8 “Number of days of accounts payables”, the Bank has calculated the value considering Operating
Expenses as a base and provision made as on 31st March 2024 against these heads as amount payable (numerator),
instead of considering actual accounts payable as per “schedule 5” Other Liabilities & cost of goods and services related
to these payable.
However, as disclosed in relevant principles of section C of the BRSR report, the balances/ratios are not material
considering the scale of business of the Bank.
Our assurance is not modified to the extent of matters stated in Para 23 and 24.
Qualified Reasonable Assurance Conclusion
25. Based on the procedures we have performed and the evidence we have obtained except for the effects, or possible
effects of the matters described in the Basis for Qualified Conclusion section of our Report, nothing has come to our
attention that causes us to believe that the Identified Sustainability information as mentioned in Annexure A is not fairly
presented, in all material respects, in accordance with the Reporting Criteria stated under paragraph 4 above.
Restriction on use:
26. Our Reasonable Assurance report has been prepared and addressed to the Board of Directors of IDBI Bank Limited
at the request of the Bank solely, to assist the Bank in reporting on Bank’s sustainability performance and activities.
Accordingly, we accept no liability to anyone, other than the Bank. Our Reasonable Assurance report should not be used
for any other purpose or by any person other than the addresses of our report. We neither accept nor assume any duty
of care or liability for any other purpose or to any other party to whom our Deliverables are shown or into whose hands
it may come without our prior consent in writing.
For Varma & Varma
Chartered Accountants
FRN: 004532S

Fizo Kollanoor Jose

Partner
M. No: 138208
UDIN: 24138208BKFETH6931
Date: 27.06.2024
Place: Bangalore

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Annexure A
Principle BRSR Indicator Type of Assurance
Principle 6: Businesses should respect and make efforts to protect and restore the environment
Attribute 1: Green-house gas (GHG) footprint
Question 7: Details of greenhouse gas emissions (Scope 1 and Scope 2 emissions)
its intensity:
Total Scope 1 emissions
Total Scope 2 emissions
Refer Paragraph 22
P6 Q7 Total Scope 1 and Scope 2 emission intensity per rupee crore of turnover of the Report
Total Scope I and Scope 2 emission intensity per rupee crore of turnover adjusted
for Purchasing Power Parity (PPP)
Total Scope 1 and Scope 2 emission intensity in terms of physical output/ any
other relevant metric
Attribute 2: Water footprint
Details of the following disclosures related to water:
Water withdrawal by source (in kilolitres)
Total volume of water withdrawal (in kilolitres)
Total volume of water consumption (in kilolitres)
P6 Q3 Water intensity per rupee crore of turnover (Total water consumption Revenue from
operations) Refer Paragraph 22,
Water intensity per rupee crore of turnover adjusted for Purchasing Power Parity of the Report
(PPP)
Water intensity in terms of physical output/ any other relevant metric
Details related to water discharged:
P6 Q4 Water discharge by destination and level of treatment (in kilolitres)
Total water discharged (in kilolitres)
Attribute 3: Energy footprint
P6 Q1 Details of total energy consumption (in Joules or multiples) and energy intensity:
Total energy consumed from renewable sources
Total energy consumed from non-renewable sources
Energy intensity per rupee crore of turnover (Total energy consumed / Revenue Refer Paragraph 22
from operations) of the Report
Energy intensity per rupee crore of turnover adjusted for Purchasing Power Parity
(PPP)
Energy intensity in terms of physical output/ any other relevant metric

dm{f©H$ [anmoQ>© Annual Report 2023-24 281

Principle BRSR Indicator Type of Assurance
Attribute 4: Embracing circularity - details related to waste management by the entity
Provide details related to waste management by the entity:
Total Waste generated (in metric tonnes)
Waste intensity per rupee crore of turnover (Total waste generated/Revenue from
operations)
Waste intensity per rupee crore of turnover adjusted for Purchasing Power Parity
Refer Paragraph 22
P6 Q9 (PPP)
of the Report
Waste intensity in terms of physical output/ any other relevant metric
For each category of waste generated, total waste recovered through recycling,
re- using or other recovery operations (in metric tonnes)
For each category of waste generated, total waste disposed by nature of disposal
method (in metric tonnes)
Principle 3: Businesses should respect and promote the well-being of all employees, including those in their
value chains
Attribute 5: Enhancing Employee Wellbeing and Safety
Spending on measures towards well-being of employees and workers (including
P3 Q1 (C) permanent and other than permanent):
Cost incurred on well- being measures as a % of total revenue of the company
Details of safety related incidents for Employees and Workers:
Lost Time Injury Frequency Rate (LTIFR) (per one million-person hours worked) Reasonable

P3 Q 11 Total recordable work-related injuries

No. of fatalities
High consequence work-related injury or ill-health excluding fatalities)
Principle 5: Businesses should respect and promote human rights
Attribute 6: Enabling Gender Diversity in Business
P5 Q3 (b) Gross wages paid to females as % of total wages paid by the entity
Complaints filed under the Sexual Harassment of Women at Workplace
(Prevention, Prohibition and Redressal) Act, 2013:
Total Complaints reported under Sexual Harassment of Women at Workplace Reasonable
P5 Q7 (Prevention, Prohibition and Redressal) Act, 2013 (POSH)
Complaints on POSH as a % of female employees /workers
Complaints on POSH upheld
Principle 8: Businesses should promote inclusive growth and equitable development
Attribute 7: Enabling Inclusive Development
Percentage of input material (inputs to total inputs by value) sourced from suppliers:
Refer Paragraph 23
P8 Q4 a. Directly sourced from MSMEs/ small producers
of the Report
b. Directly from within India
Job creation in smaller towns — Disclose wages paid to persons employed Reasonable
P8 Q5 (including employees or workers employed on a permanent or non-permanent /
on contract basis) in smaller towns, as % of total wage cost.

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Principle BRSR Indicator Type of Assurance

Principle 9: Businesses should engage with and provide value to their consumers in a responsible manner
Attribute 8: Fairness in Engaging with Customers and Suppliers
Provide the following information relating to data breaches:
a. Number of instances of data breaches
P9 Q7 b. Percentage of data breaches involving personally identifiable information of Reasonable
customers
c. Impact, if any, of the data breaches
Principle 1: Businesses should conduct and govern themselves with Integrity, and In a manner that is Ethical,
Transparent, and Accountable.
Attribute 9: Open-ness of business
Number of days of accounts payable (Accounts payable *365) / Cost of goods/ Refer Paragraph 24
P1 Q8
services procured) of the Report
Details of concentration of purchases and sales with trading houses, dealers, and
related parties along-with loans and advances & investments, with related parties:
Concentration of Purchases
Concentration of Sales
Share of RPTs in
P1 Q9 Reasonable
a. Purchases (Purchases with related parties / Total Purchases)
b. Sales (Sales to related parties / Total Sales)
c. Loans & advances (Loans & advances given to related parties / Total loans
& advances)
d. Investments (Investments In related parties / Total Investments made)

Annexure B:
i. List of Reporting Boundary locations considered for mentioned Indicators: “Green-house gas (GHG) footprint,
Water footprint and Energy footprint.

Sl No Name of the Offices Address

1 IDBI Bank Head Office – Mumbai IDBI Tower, WTC Complex, Cuffe Parade, Mumbai 400005
2 IDBI Bank CBD Belapur Office IDBI Building, ‘Plot No 39/40/41, Sector 11, CBD- Belapur,
‘Navi Mumbai- 400614
3 IDBI Bank Training College 53/2, Indira Nagar, Gachibowli, Hyderabad, Telangana
500032
4 IDBI Bank Zonal Office – Bengaluru IDBI House, 58 Mission Road, Bangalore, Karnataka,
560027.
5 IDBI Bank Zonal Office – Chandigarh SCO 72-73, Sector 17-B , Chandigarh , 160017
6 IDBI Bank Zonal Office – Chennai 115, Anna Salai , Saidapet, Post Bag No: 805, Chennai,
Tamil Nadu, 600015
7 IDBI Bank Zonal Office – Hyderabad IDBI Bank Ltd., D. Num 5-9-89/1 and 2, Chapel Road,
Hyderabad, Telangana, 500001
8 IDBI Bank Zonal Office –Lucknow IDBI Bank Ltd., CP-12, Viraj Khand, Gomti Nagar, Near
Singapore Mall, Lucknow, Uttar Pradesh, 226010
9 IDBI Bank Zonal Office – New Delhi IDBI Bank Ltd., 9th Floor, Plate B, Block 2, NBCC office
Complex, East Kidwai Nagar , South Delhi, 110023

dm{f©H$ [anmoQ>© Annual Report 2023-24 283

 Sl No Name of the Offices Address
10 IDBI Bank Zonal Office – Patna Third Floor, Sai Corporate Park, Rukanpura, Bailey Road,
Patna, Bihar, 800014
11 IDBI Bank Zonal Office – Ahmedabad IDBI Complex, Lal Bungalows, Off CG Road, Ahmedabad,
Gujarat, 380006
12 IDBI Bank Zonal Office – Bhopal Centre Point Commercial Complex, First Floor, T. T. Nagar,
Bhopal, Madhya Pradesh, 462003
13 IDBI Bank Zonal Office – Bhubaneswar IDBI House, 2nd floor, Janpath, Odisha, Bhubaneshwar,
751022
14 IDBI Bank Zonal Office – Kolkata 44, Shakespeare Sarani, PB No 16102, Kolkata, West
Bengal, 700017
15 IDBI Bank Zonal Office – Nagpur Salasar Prestige, 1st Floor, Plot No.-1/A, Off WHC Road,
Dharampeth, Nagpur, Maharashtra, 440010
16 IDBI Bank Zonal Office – Pune IDBI House, Dynaneshwar Paduka Chowk, Fergusson
College Road, Pune, Maharashtra, 411004
17 IDBI Bank Zonal Office – Mumbai 2nd Floor, A, B & C Wings, Mittal Court, Nariman Point,
Mumbai, Maharashtra, 400021
ii. List of locations considered for Waste Footprint Indicator
Sl No Name of the Offices Address
1 IDBI Bank Head Office – Mumbai IDBI Tower, WTC Complex, Cuffe Parade, Mumbai 400005
2 IDBI Bank CBD Belapur Office IDBI Building, ‘Plot No 39/40/41, Sector 11, CBD- Belapur,
‘Navi Mumbai- 400614
3 IDBI Bank Training College 53/2, Indira Nagar, Gachibowli, Hyderabad, Telangana
500032

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Fkla \vattaIya \vavarNa

Standalone Financial Statements

dm{f©H$ [anmoQ>© Annual Report 2023-24 285

ñdV§Ì boImnarjH$mo§ H$r {anmoQ©
Independent Auditors’ Report
œÏ¢÷¸, To,
The Members of IDBI Bank Limited
‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å ¬¸™¬¡¸Š¸µ¸
Report on the Audit of the Standalone Financial Statements
‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ¥¸½‰¸¸-œ¸£ú®¸¸ œ¸£ ¢£œ¸¸½’Ä
Opinion
‚¢ž¸Ÿ¸÷¸
We have audited the accompanying Standalone Financial
ퟸ›¸½ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ("¤¸ÿˆÅ") ˆ½Å ¬¸¿¥¸Š›¸ ‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú Statements of IDBI Bank Limited (“the Bank”), which comprise
¥¸½‰¸¸ œ¸£ú®¸¸ ˆÅú í¾ ¢¸›¸Ÿ¸Ê 31 Ÿ¸¸¸Ä 2024 ˆÅ¸ ÷¸º¥¸›¸ œ¸°¸, 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ the Balance Sheet as at March 31st, 2024, the Profit and Loss
Account and the Cash Flow Statement for the year then ended
¨¸«¸Ä ˆ½Å ¢¥¸‡ ¥¸¸ž¸ ‡¨¸¿ í¸¢›¸ ¥¸½‰¸½ ‚¸¾£ ›¸ˆÅ™ú œÏ¨¸¸í ¢¨¸¨¸£µ¸ ÷¸˜¸¸ Ÿ¸í÷¨¸œ¸»µ¸Ä ¥¸½‰¸¸¿ˆÅ›¸ March 31st 2024, and notes to the financial statements, including a
›¸ú¢÷¸¡¸¸Ê ˆ½Å ¬¸¸£¸¿©¸ ‚¸¾£ ‚›¡¸ ¨¡¸¸‰¡¸¸÷Ÿ¸ˆÅ ¸¸›¸ˆÅ¸£ú (ƒ¬¸Ÿ¸Ê ƒ¬¸ˆ½Å ¤¸¸™ ‡ˆÅ¥¸ summary of the significant accounting policies and other explanatory
¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ¬¸¿™¢ž¸Ä÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸) ¬¸¢í÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê œ¸£ ¢’œœ¸¢µ¸¡¸¸Â information (hereinafter referred to as the Standalone Financial
©¸¸¢Ÿ¸¥¸ íÿ. Statements)

In our opinion and to the best of our information and according to

ퟸ¸£ú £¸¡¸ Ÿ¸Ê ‚¸¾£ ퟸ¸£ú ¬¸¨¸¸½Ä¸ ¸¸›¸ˆÅ¸£ú Ÿ¸Ê ÷¸˜¸¸ íŸ¸Ê ¢™‡ Š¸‡ ¬œ¸«’úˆÅ£µ¸¸Ê ˆ½Å
the explanations given to us, the aforesaid Standalone Financial
‚›¸º¬¸¸£, „Æ÷¸ ‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ¤¸ÿˆÅˆÅ¸£ú ¢¨¸¢›¸¡¸Ÿ¸›¸ ‚¢š¸¢›¸¡¸Ÿ¸, 1949 ‚¸¾£ Statements give the information required by the Banking Regulation
¬¸¸˜¸ íú ¬¸¸˜¸ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ("‚¢š¸¢›¸¡¸Ÿ¸") ÷¸˜¸¸ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ Act, 1949, as well as the Companies Act, 2013 (“the Act”) and
׸£¸ ¸¸£ú œ¸¢£œ¸°¸¸Ê ‚¸¾£ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ¸¢£¡¸½ ¤¸ÿ¢ˆ¿ÅŠ¸ ˆ¿Åœ¸¢›¸¡¸¸Ê ¬¸½ ¡¸˜¸¸ ‚œ¸½¢®¸÷¸ circulars and guidelines issued by the Reserve Bank of India, in the
manner so required for banking companies and give a true and fair
¸¸›¸ˆÅ¸£ú œÏ™¸›¸ ˆÅ£÷¸½ íÿ ‚¸¾£ ‚¢š¸¢›¸¡¸Ÿ¸ ˆÅú š¸¸£¸ 133 ˆ½Å ‚¿÷¸Š¸Ä÷¸, „¬¸ˆ½Å ÷¸í÷¸ ¤¸›¸¸‡
view in conformity with the accounting principles generally accepted
Š¸‡ ¢›¸¡¸Ÿ¸¸Ê ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ ¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ¸Ê ¬¸¢í÷¸ ž¸¸£÷¸ Ÿ¸Ê ¬¸¸Ÿ¸¸›¡¸ ³Åœ¸ ¬¸½ ¬¨¸úˆ¼Å÷¸ in India, including the Accounting Standards prescribed under
¥¸½‰¸¸¿ˆÅ›¸ ¢¬¸Ö¸¿÷¸¸Ê ˆ½Å ‚›¸º³Åœ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¤¸ÿˆÅ ˆ½Å ˆÅ¸¡¸¸½ô ˆÅú ¦¬˜¸¢÷¸ ‚¸¾£ „¬¸ú section 133 of the Act, read with rules made thereunder, of the state
÷¸¸£ú‰¸ ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å „¬¸ˆ½Å ¥¸¸ž¸ ÷¸˜¸¸ ƒ¬¸ˆ½Å ›¸ˆÅ™ú œÏ¨¸¸í ˆÅú ¬¸íú ‡¨¸¿ „¢¸÷¸ of affairs of the Bank as at March 31st, 2024 and its profit and its
¦¬˜¸¢÷¸ œÏ¬÷¸º÷¸ ˆÅ£÷¸½ íÿ. cash flows for the year ended on that date.

Basis for Opinion

‚¢ž¸Ÿ¸÷¸ í½÷¸º ‚¸š¸¸£
We conducted our audit of the Standalone Financial Statements in
ퟸ›¸½ ‚œ¸›¸ú ‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú accordance with the Standards on Auditing (“SAs”) specified under
š¸¸£¸ 143(10) ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢¨¸¢›¸¢™Ä«’ ¥¸½‰¸¸œ¸£ú®¸¸ œ¸£ Ÿ¸¸›¸ˆÅ¸Ê ("‡¬¸‡") ˆ½Å ‚›¸º³Åœ¸ section 143(10) of the Companies Act, 2013. Our responsibilities
ˆÅú í¾. „›¸ Ÿ¸¸›¸ˆÅ¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ퟸ¸£½ „™¸¢¡¸÷¨¸ ퟸ¸£ú ¢£œ¸¸½’Ä ˆÅú ‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ under those Standards are further described in the Auditor’s
Responsibilities for the Audit of the Standalone Financial Statements
¢¨¸¨¸£µ¸ ‰¸¿” Ÿ¸½¿ ¥¸½‰¸¸œ¸£ú®¸¸ í½÷¸º ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê ˆ½Å „™¸¢¡¸÷¨¸¸½¿ Ÿ¸Ê ¨¸¢µ¸Ä÷¸ íÿ. ퟸ
section of our report. We are independent of the Bank in accordance
‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ¢¥¸‡ œÏ¸¬¸¿¢Š¸ˆÅ ›¸¾¢÷¸ˆÅ ‚œ¸½®¸¸‚¸Ê with the Code of Ethics issued by the Institute of Chartered
÷¸˜¸¸ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ÷¸˜¸¸ „¬¸ˆ½Å ‚š¸ú›¸ ¤¸›¸¸‡ Š¸‡ ¢›¸¡¸Ÿ¸¸Ê Accountants of India together with the ethical requirements that are
ˆ½Å ‚¿÷¸Š¸Ä÷¸ ž¸¸£÷¸ú¡¸ ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£ ¬¸¿¬˜¸¸›¸ ׸£¸ ¸¸£ú ›¸¾¢÷¸ˆÅ ‚¸¸¸£ ¬¸¿¢í÷¸¸ ˆ½Å relevant to our audit of the Standalone Financial Statements under
‚›¸º¬¸¸£ ¤¸ÿˆÅ ¬¸½ ¬¨¸÷¸¿°¸ íÿ ÷¸˜¸¸ ퟸ›¸½ ƒ›¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ‡¨¸¿ ‚¸¸¸£ ¬¸¿¢í÷¸¸ ˆ½Å ‚›¸º³Åœ¸ the provisions of the Companies Act, 2013 and the Rules thereunder,
and we have fulfilled our other ethical responsibilities in accordance
‚›¡¸ ›¸¾¢÷¸ˆÅ ™¸¢¡¸÷¨¸¸Ê ˆÅ¸½ œ¸»£¸ ¢ˆÅ¡¸¸ í¾. ퟸ¸£¸ ¢¨¸æ¸¸¬¸ í¾ ¢ˆÅ ¸¸½ ¥¸½‰¸¸œ¸£ú®¸¸ ¬¸¸®¡¸ with these requirements and the Code of Ethics. We believe that
ퟸ›¸½ œÏ¸œ÷¸ ¢ˆÅ¡¸¸ í¾ ¨¸í ퟸ¸£½ ‚¢ž¸Ÿ¸÷¸ ˆÅ¸½ ‚¸š¸¸£ œÏ™¸›¸ ˆÅ£›¸½ í½÷¸º œ¸¡¸¸Äœ÷¸ ‚¸¾£ the audit evidence we have obtained is sufficient and appropriate to
„œ¸¡¸ºÆ÷¸ í¾. provide a basis for our opinion.

¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å Ÿ¸º‰¡¸ Ÿ¸¸Ÿ¸¥¸½ Key Audit Matters

Key audit matters are those matters that, in our professional

¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å Ÿ¸º‰¡¸ Ÿ¸¸Ÿ¸¥¸½ ¨¸½ Ÿ¸¸Ÿ¸¥¸½ íÿ ¸¸½ ퟸ¸£½ ¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ ¢¨¸¨¸½ˆÅ ˆ½Å ‚›¸º¬¸¸£
judgment, were of most significance in the audit of the Standalone
¸¸¥¸» ‚¨¸¢š¸ ˆ½Å ‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ Ÿ¸Ê ¬¸¤¸¬¸½ Ÿ¸í÷¨¸œ¸»µ¸Ä ˜¸½. ƒ›¸ Financial Statements of the current period. These matters were
Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅ¸ ‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¾£ „›¸ œ¸£ addressed in the context of our audit of the Standalone Financial
ퟸ¸£ú £¸¡¸ ¤¸›¸¸›¸½ Ÿ¸Ê œ¸»µ¸Ä „¥¥¸½‰¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸ ÷¸˜¸¸ ퟸ ƒ›¸ Ÿ¸¸Ÿ¸¥¸¸Ê œ¸£ ‚¥¸Š¸ ¬¸½ Statements as a whole, and in forming our opinion thereon, and
we do not provide a separate opinion on these matters. We have
£¸¡¸ ›¸íú¿ ™½÷¸½ íÿ. ퟸ›¸½ ›¸ú¸½ ¨¸¢µ¸Ä÷¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅ¸ ¢›¸š¸¸Ä£µ¸ œÏŸ¸º‰¸ ¥¸½‰¸¸œ¸£ú®¸¸ Ÿ¸¸Ÿ¸¥¸¸Ê
determined the matters described below to be the key audit matters
ˆ½Å ³Åœ¸ Ÿ¸Ê ‚œ¸›¸ú ¢£œ¸¸½’Ä Ÿ¸Ê ¬¸¿œÏ½¢«¸÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¢ˆÅ¡¸¸ í¾. ›¸ú¸½ „¦¥¥¸¢‰¸÷¸ œÏ÷¡¸½ˆÅ to be communicated in our report. For each matter below, our
Ÿ¸¸Ÿ¸¥¸¸Ê œ¸£ ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ ›¸½ Æ¡¸¸ ¬¸Ÿ¸¸š¸¸›¸ ¢ˆÅ‡, „¬¸ˆÅ¸ ¨¸µ¸Ä›¸ „¬¸ ¬¸¿™ž¸Ä Ÿ¸Ê ¢™¡¸¸ description of how our audit addressed the matter is provided in that
Š¸¡¸¸ í¾À context:

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Corporate Overview Statutory Reports Financial Statements

¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å Ÿ¸º‰¡¸ Ÿ¸¸Ÿ¸¥¸½ ¥¸½‰¸¸œ¸£ú®¸ˆÅ ˆÅ¸ ´¦«’ˆÅ¸½µ¸ Key Audit Matters Auditor’s Approach
Recognition and Measurement of Deferred Tax Asset
‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ ˆÅú Ÿ¸¸›¡¸÷¸¸ ‚¸¾£ Ÿ¸¸œ¸›¸
The Bank has recognised a net Our audit procedures involved
¤¸ÿˆÅ ›¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ` 8,959.66 ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ œÏ¢ÇÅ¡¸¸‚¸Ê Ÿ¸Ê ¥¸¸Š¸» deferred tax asset of ` 8,959.66 gaining an understanding of the
ˆÅ£¸½”õ ˆÅú ¢›¸¨¸¥¸ ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ ˆÅ£ ˆÅ¸›¸»›¸¸Ê ‚¸¾£ ¤¸ÿˆÅ œ¸£ ¥¸¸Š¸» ¬¸¿¤¸¿¢š¸÷¸ Crores as on March 31st, 2024, applicable tax laws and relevant
ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ¢ˆÅ¡¸¸ í¾, ¸¸½ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢¨¸¢›¸¡¸Ÿ¸¸Ê ˆÅ¸½ ¬¸Ÿ¸¸›¸¸ ©¸¸¢Ÿ¸¥¸ ˜¸¸. ퟸ¸£ú after net reversal of ` 2,561.32 regulations applicable to the
` 2,561.32 ˆÅ£¸½”õ ˆ½Å ¢›¸¨¸¥¸ ¢£¨¸¬¸Ä¥¸ ¥¸½‰¸¸œ¸£ú®¸¸ œÏ¢ÇÅ¡¸¸‚¸Ê Ÿ¸Ê ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ Crores during the year. Bank. Our audit procedures
ˆ½Å ¤¸¸™ í¾. ©¸¸¢Ÿ¸¥¸ ˜¸¸À included:
The recognition of deferred tax
• ‡‡¬¸ 22 ‚¸¡¸ œ¸£ ˆÅ£ ˆ½Å involves judgement regarding • Evaluation of policies
‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ˆÅú Ÿ¸¸›¡¸÷¸¸ Ÿ¸Ê ƒ›¸ the likelihood of realisation used for recognition
‚¸¦¬÷¸¡¸¸Ê ˆÅú ¨¸¬¸»¥¸ú ˆÅú ¬¸¿ž¸¸¨¸›¸¸ ˆ½Å ¤¸¸£½ ¢¥¸‡ ¥¸½‰¸¸¿ˆÅ›¸ ˆ½Å ‚›¸º¬¸¸£
of these assets in particular and measurement of
Ÿ¸Ê ¢›¸µ¸Ä¡¸ ©¸¸¢Ÿ¸¥¸ í¾, ¢¨¸©¸½«¸ ³Åœ¸ ¬¸½ Æ¡¸¸ ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê
whether there will be sufficient deferred tax assets in
ž¸¢¨¸«¡¸ ˆÅú ‚¨¸¢š¸ Ÿ¸Ê œ¸¡¸¸Äœ÷¸ ˆÅ£ ¡¸¸½Š¡¸ ˆ½Å ¢›¸š¸¸Ä£µ¸ ‚¸¾£ Ÿ¸¸œ¸›¸ ˆ½Å
taxable profits in future periods accordance with AS 22
¥¸¸ž¸ í¸½Š¸¸ ¸¸½ ƒ›¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅú Ÿ¸¸›¡¸÷¸¸ ¢¥¸‡ ‚œ¸›¸¸ƒÄ Š¸ƒÄ ›¸ú¢÷¸¡¸¸Ê ˆÅ¸ that will support the recognition Accounting for Taxes on
ˆÅ¸ ¬¸Ÿ¸˜¸Ä›¸ ˆÅ£½Š¸¸. ƒ›¸ ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ Ÿ¸»¥¡¸¸¿ˆÅ›¸; of these assets. Given the Income;
‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ ¡¸¸ ‚›¡¸˜¸¸ • œÏ¤¸¿š¸›¸ ׸£¸ œÏ¡¸ºÆ÷¸ œ¸»¨¸¸Ä›¸ºŸ¸¸›¸¸Ê degree of judgement involved • Assessed the probability
Ÿ¸¸›¸›¸½ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ¢›¸µ¸Ä¡¸ ˆÅú ¢”ŠÏú ‚¸¾£ ‚›¡¸ Ÿ¸¸œ¸™¿”¸Ê ˆ½Å ‚¸š¸¸£ in considering these deferred of the availability
ˆÅ¸½ ™½‰¸÷¸½ íº‡, ퟸ ƒ¬¸½ ‡ˆÅ œÏŸ¸º‰¸ œ¸£ ¥¸¸ž¸¸Ê ˆÅú „œ¸¥¸¤š¸÷¸¸ ˆÅú tax assets as recoverable or of profits based on
¬¸¿ž¸¸¨¸›¸¸ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢ˆÅ¡¸¸ otherwise, we consider this to
¥¸½‰¸¸œ¸£ú®¸¸ Ÿ¸¸Ÿ¸¥¸¸ Ÿ¸¸›¸÷¸½ íÿ. assumptions and other
Š¸¡¸¸, ¢¸¬¸Ÿ¸Ê ¬¸½ ¤¸ÿˆÅ ¬¸¿™¢ž¸Ä÷¸ be a key audit matter. parameters used by the
œ¸»¨¸¸Ä›¸ºŸ¸¸›¸ ˆ½Å ‚›¸º¬¸¸£ ž¸¢¨¸«¡¸ Management against
Ÿ¸Ê ƒ¬¸ ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ which the Bank will
ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£ œ¸¸¡¸½Š¸¸, ¸¾¬¸¸ be able to use this
¤¸¸½”Ä ˆÅú ¥¸½‰¸¸ œ¸£ú®¸¸ ¬¸¢Ÿ¸¢÷¸ ›¸½ deferred tax asset in the
future with reference to
›¸¸½’ ¢ˆÅ¡¸¸ ˜¸¸.
forecast as noted by the
• ¥¸¸Š¸» ˆÅ£ ™£¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê Audit Committee of the
‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ ˆÅ¸ Board of Directors.
¢›¸š¸¸Ä£µ¸ ˆÅ£›¸½ Ÿ¸Ê ‚œ¸›¸¸ƒÄ Š¸ƒÄ • Assessed the method
œ¸Ö¢÷¸ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ for determining the
÷¸˜¸¸ ‚¿ˆÅŠ¸¢µ¸÷¸ú¡¸ œ¸¢£©¸ºÖ÷¸¸ Deferred Tax Asset with
ˆÅ¸ œ¸£ú®¸µ¸ ¢ˆÅ¡¸¸ Š¸¡¸¸. reference to applicable
tax rates and tested the
‚¢ŠÏŸ¸¸Ê ˆ½Å ¢¥¸‡ ‚¸¡¸ ¢›¸š¸¸Ä£µ¸ ‡¨¸¿ ‚¸¦¬÷¸ ¨¸Š¸úĈţµ¸ (‚¸ƒÄ‚¸£‡¬¸ú) ÷¸˜¸¸
arithmetical accuracy.
¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚›¸º¬¸¸£ œÏ¸¨¸š¸¸›¸úˆÅ£µ¸
Income Recognition and Asset Classification of Advances
‚¢ŠÏŸ¸ ¤¸ÿˆÅ ˆÅú ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ ퟸ¸£½ ¥¸½‰¸¸œ¸£ú®¸¸ ´¦«’ˆÅ¸½µ¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ (IRAC) and Provisioning as per regulatory norms
Ÿ¸í÷¨¸œ¸»µ¸Ä ¢í¬¬¸¸ íÿ. ¨¸½, ‚›¡¸ ¤¸¸÷¸¸Ê ˆ½Å ‚¢ŠÏŸ¸¸Ê ‚¸¾£ ¢›¸¨¸½©¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê Advances constitute significant Our audit approach included
¬¸¸˜¸-¬¸¸˜¸, ‚¸¡¸ ¢›¸š¸¸Ä£µ¸ ‡¨¸¿ ‚¸¦¬÷¸ ‚¸¡¸ ¢›¸š¸¸Ä£µ¸, ‚¸¦¬÷¸ ¨¸Š¸úĈţµ¸ ‡¨¸¿ portion of the Bank’s total assets. testing the design, operating
They are, inter-alia, governed effectiveness of internal
¨¸Š¸úĈţµ¸ ‚¸¾£ œÏ¸¨¸š¸¸›¸ Ÿ¸¸›¸™¿”¸Ê œÏ¸¨¸š¸¸›¸úˆÅ£µ¸ ˆÅú ³Åœ¸£½‰¸¸, ‚¸¿÷¸¢£ˆÅ
by income recognition, asset controls and substantive audit
(‚¸ƒÄ‚¸£‡¬¸ú) ÷¸˜¸¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ¢›¸¡¸¿°¸µ¸ ˆÅú œ¸¢£¸¸¥¸›¸ œÏž¸¸¨¸©¸ú¥¸÷¸¸ classification and provisioning procedures in respect of income
¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ¸¸£ú ¢ˆÅ‡ Š¸‡ ‚›¡¸ ‚¸¾£ ¬¸Ÿ¸º¢¸÷¸ ¥¸½‰¸¸œ¸£ú®¸¸ œÏ¢ÇÅ¡¸¸‚¸Ê ˆÅ¸ (IRAC) norms and other circulars recognition, asset classification
œ¸¢£œ¸°¸¸Ê ‚¸¾£ ¢›¸™½Ä©¸¸Ê ׸£¸ ©¸¸¢¬¸÷¸ í¸½÷¸½ œ¸£ú®¸µ¸ ©¸¸¢Ÿ¸¥¸ ˜¸¸. ƒ¬¸Ÿ¸Ê ¢¨¸©¸½«¸ ³Åœ¸ ¬¸½ and directives issued by the and provisioning pertaining to
íÿ, ¸¸½ ‚¢ŠÏŸ¸¸Ê ˆ½Å ‚¸ÄˆÅ ‚¸¾£ ‚›¸¸ÄˆÅ ¢›¸Ÿ›¸ ¤¸¸÷¸Ê ©¸¸¢Ÿ¸¥¸ íÿÀ RBI from time to time which advances and investments. In
provides guidelines related to particular:
‚¢ŠÏŸ¸¸Ê (‡›¸œ¸ú‡) Ÿ¸Ê ¨¸Š¸úĈţµ¸ ¬¸½ classification of Advances into
• ‡¦œ¥¸ˆ½Å©¸›¸ ¢¬¸¬’Ÿ¸ ¬¸½ œÏ¸œ÷¸ • Testing of the exception
¬¸¿¤¸¿¢š¸÷¸ ¢™©¸¸¢›¸™½Ä©¸ œÏ™¸›¸ ˆÅ£÷¸½ íÿ. performing and non- performing
‚œ¸¨¸¸™ ¢£œ¸¸½’¸½ô ˆÅ¸ œ¸£ú®¸µ¸ reports generated from
Advances (NPA) the application systems
¤¸ÿˆÅ ƒ›¸ ‚¢ŠÏŸ¸¸Ê ˆÅ¸½ ‚¸ƒÄ‚¸£‡¬¸ú ¸í¸¿ ‚¢ŠÏŸ¸ ™¸Ä ¢ˆÅ‡ Š¸‡ íÿ.
The Bank classifies these where the advances
Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ‚œ¸›¸ú ¥¸½‰¸¸ Advances based on IRAC have been recorded.
›¸ú¢÷¸ ‚›¸º¬¸»¸ú ¬¸¿‰¡¸¸À 17 ˆ½Å ‚›¸º¬¸¸£ norms as per its accounting
¨¸Š¸úĈ¼Å÷¸ ˆÅ£÷¸¸ í¾. policy schedule no: 17

dm{f©H$ [anmoQ>© Annual Report 2023-24 287

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Independent Auditors’ Report

‚¸ÄˆÅ ‚¸¾£ ‚›¸¸ÄˆÅ ‚¢ŠÏŸ¸¸Ê ˆÅú œ¸í¸¸›¸ • ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¨¸¼í™ †µ¸¸Ê ˆ½Å The identification of performing • Considering the
and non-performing advances accounts reported by
Ÿ¸Ê „¢¸÷¸ ÷¸¿°¸ ˆÅú ¬˜¸¸œ¸›¸¸ ©¸¸¢Ÿ¸¥¸ í¾ ¤¸¸£½ Ÿ¸Ê ¸¸›¸ˆÅ¸£ú ˆ½Å ˆÊÅÍú¡¸ involves establishment of proper the Bank and other
‚¸¾£ ¤¸ÿˆÅ ˆÅ¸½ ¢¨¸¢›¸¡¸Ÿ¸¸Ê ׸£¸ ¢›¸š¸¸Ä¢£÷¸ ž¸¿”¸£ (¬¸ú‚¸£‚¸ƒÄ‡¥¸¬¸ú) mechanism and the Bank is banks as Special
Š¸ºµ¸¸÷Ÿ¸ˆÅ ‚¸¾£ Ÿ¸¸°¸¸÷Ÿ¸ˆÅ, ™¸½›¸¸Ê ˆÅ¸£ˆÅ¸Ê Ÿ¸Ê ¤¸ÿˆÅ ‚¸¾£ ‚›¡¸ ¤¸ÿˆÅ¸Ê ׸£¸ required to apply significant Mention Accounts
degree of judgement to identify (“SMA”) in RBI’s central
ˆÅ¸½ ¥¸¸Š¸» ˆÅ£ œÏ÷¡¸½ˆÅ ‚›¸¸ÄˆÅ ‚¸¦¬÷¸ ¢¨¸©¸½«¸ „¦¥¥¸¢‰¸÷¸ ‰¸¸÷¸¸Ê
and determine the amount of repository of information
(`‡›¸œ¸ú‡') ˆ½Å ¢¥¸‡ ‚¸¨¸©¡¸ˆÅ ("‡¬¸‡Ÿ¸‡") ˆ½Å ³Åœ¸ Ÿ¸Ê ¢£œ¸¸½’Ä provision required against each on large credits (CRILC)
œÏ¸¨¸š¸¸›¸ ˆÅú £¸¢©¸ ˆÅ¸½ œ¸í¸¸›¸›¸½ ‚¸¾£ ¢ˆÅ‡ Š¸‡ ‰¸¸÷¸¸Ê œ¸£ ™¤¸¸¨¸ ˆÅú non-performing asset (‘NPA’) to identify stress.
¢›¸š¸¸Ä¢£÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ Ÿ¸í÷¨¸œ¸»µ¸Ä ¢›¸µ¸Ä¡¸ œ¸í¸¸›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¢¨¸¸¸£ applying both quantitative
as well as qualitative factors • Reviewing account
¥¸½›¸½ ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ í¸½÷¸ú í¾. ˆÅ£›¸¸. prescribed by the regulations. statements and other
related information of
‚¸¦¬÷¸ ¨¸Š¸úĈţµ¸ ‚¸¾£ œÏ¸¨¸š¸¸›¸ ˆ½Å • Ÿ¸¸°¸¸÷Ÿ¸ˆÅ ‚¸¾£ Š¸ºµ¸¸÷Ÿ¸ˆÅ Significant judgements and the borrowers selected
¢¥¸‡ Ÿ¸í÷¨¸œ¸»µ¸Ä ¢›¸µ¸Ä¡¸ ‚¸¾£ ‚›¸ºŸ¸¸›¸ ¸¸½¢‰¸Ÿ¸ ˆÅ¸£ˆÅ¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ estimates for asset classification based on quantitative
¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ Ÿ¸í÷¨¸œ¸»µ¸Ä Š¸¥¸÷¸ ¢¨¸¨¸£µ¸¸½¿ and provisioning could give rise and qualitative risk
¸¡¸¢›¸÷¸ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆ½Å ‰¸¸÷¸½ to material misstatements on: factors
ˆÅ¸½ ¸›Ÿ¸ ™½ ¬¸ˆÅ÷¸½ íÿÀ ˆ½Å ¢¨¸¨¸£µ¸ ‚¸¾£ ‚›¡¸ ¬¸¿¤¸¿¢š¸÷¸
• ‚¸ƒÄ‚¸£‡¬¸ú Ÿ¸¸›¸™¿”¸Ê ˆ½Å ¸¸›¸ˆÅ¸£ú ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸ • Completeness and • Considering reports of
timing of recognition of Internal Audit, Credit
‚›¸º¬¸¸£ ‚›¸¸ÄˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆÅú non-performing assets in Audit and Concurrent
• ¤¸ÿˆÅ ˆÅú ›¸ú¢÷¸¡¸¸Ê ‚¸¾£ œÏ¢ÇÅ¡¸¸‚¸Ê
œ¸í¸¸›¸ ˆÅú ¬¸¿œ¸»µ¸Ä÷¸¸ ‚¸¾£ ¬¸Ÿ¸¡¸ accordance with criteria Audit as per the policies
ˆ½Å ‚›¸º¬¸¸£ ‚¸¿÷¸¢£ˆÅ ¥¸½‰¸¸ as per IRAC norms; and procedures of the
¢›¸š¸¸Ä£µ¸.
œ¸£ú®¸¸, ǽŢ”’ ¥¸½‰¸¸ œ¸£ú®¸¸ Bank.
• †µ¸ ‡Æ¬¸œ¸¸½{¸£, †µ¸ ˆÅú • Measurement of the
‚¸¾£ ¬¸Ÿ¸¨¸÷¸úÄ ¥¸½‰¸¸ œ¸£ú®¸¸
provision for non- • We have test checked
‚¨¸¢š¸ ‚¸¾£ ¨¸Š¸úĈţµ¸, ¢£œ¸¸½’¸½ô œ¸£ ¢¨¸¸¸£ ˆÅ£›¸¸ performing assets based advances to examine
œÏ¢÷¸ž¸»¢÷¸ ˆ½Å ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ on loan exposure, ageing the validity of the
Ÿ¸»¥¡¸ ˆ½Å ‚¸š¸¸£ œ¸£ ‚›¸¸ÄˆÅ • ퟸ›¸½ ‚¢ŠÏŸ¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ™¸Ä and classification of the recorded amounts,
‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ ˆÅ¸ £¸¢©¸¡¸¸Ê, †µ¸ ™¬÷¸¸¨¸½¸úˆÅ£µ¸ loan, realizable value of loan documentation,
security; examined the statement
Ÿ¸¸œ¸›¸; ˆÅú ¨¸¾š¸÷¸¸ ˆÅú œ¸£ú®¸µ¸ ¸¸¿¸ of accounts, provision
ˆÅú, ¥¸½‰¸¸ ¢¨¸¨¸£µ¸, ‚›¸¸ÄˆÅ • Appropriate reversal of for non-performing
• ‡›¸œ¸ú‡ œ¸£ ‚œÏ¸œ÷¸ ‚¸¡¸ ˆÅ¸ unrealized income on the
‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ assets, and compliance
„¢¸÷¸ ¢£¨¸¬¸Ä¥¸; NPAs; with income recognition,
‚¸¾£ ‚¢ŠÏŸ¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚¸¡¸
asset classification and
• Ÿ¸¸›¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å œÏ¸¨¸š¸¸›¸ ¢›¸š¸¸Ä£µ¸, ‚¸¦¬÷¸ ¨¸Š¸úĈţµ¸ • Judgement involved in provisioning pertaining
ˆÅ£›¸½ Ÿ¸Ê ¢›¸¢í÷¸ ¢›¸µ¸Ä¡¸. ‡¨¸¿ œÏ¸¨¸š¸¸›¸úˆÅ£µ¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê making provision for to advances in terms
standard assets. of applicable RBI
¤¸ÿˆÅ ‚œ¸›¸½ ˆÅ¸½£ ¤¸ÿ¢ˆ¿ÅŠ¸ ¬¸¸Á¥¡¸»©¸›¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¥¸¸Š¸» ¢™©¸¸¢›¸™½Ä©¸¸Ê
The Bank accounts for all the guidelines.
(¬¸ú¤¸ú‡¬¸) Ÿ¸Ê ‚¢ŠÏŸ¸¸Ê ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¬¸ž¸ú ˆ½Å ‚›¸ºœ¸¸¥¸›¸ ˆÅú ¸¸¿¸
transactions related to Advances • For non-performing
¥¸½›¸™½›¸ ™¸Ä ˆÅ£÷¸¸ í¾. ‡›¸œ¸ú‡ ¨¸Š¸úĈţµ¸ ˆÅú. in its Core Banking Solution advances identified
‚¸¾£ œÏ¸¨¸š¸¸›¸ ˆÅú Š¸µ¸›¸¸ ‚¸ƒÄ‚¸£‡¬¸ú (CBS). NPA classification and and standard assets,
• œ¸í¸¸›¸½ Š¸‡ ‚›¸¸ÄˆÅ ‚¢ŠÏŸ¸¸Ê calculation of provision is done we, based on factors
‡œ¥¸úˆ½Å©¸›¸ ¬¸¸ÁÉ’¨¸½¡¸£ ›¸¸Ÿ¸ˆÅ ‡ˆÅ
‚¸¾£ Ÿ¸¸›¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å through another IT System viz. including stressed
‚›¡¸ ‚¸ƒÄ’ú œÏµ¸¸¥¸ú ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ˆÅú IRAC Application Software. sectors and account
¢¥¸‡, ퟸ›¸½ ™¤¸¸¨¸ŠÏ¬÷¸ ®¸½°¸¸Ê
¸¸÷¸ú í¾. ¡¸¢™ ‡ˆÅ¥¸ ¡¸¸ ¬¸Ÿ¸ŠÏ ³Åœ¸ The carrying value of these materiality, tested on a
‚¸¾£ ‰¸¸÷¸¸ ÷¸¸¦÷¨¸ˆÅ÷¸¸ ¬¸¢í÷¸ advances (net of provisions) may sample basis the asset
Ÿ¸Ê ‚¸ƒÄ‚¸£‡¬¸ú Ÿ¸¸›¸™¿”¸Ê ˆÅ¸ “úˆÅ ¬¸½
ˆÅ¸£ˆÅ¸Ê ˆ½Å ‚¸š¸¸£ œ¸£, ›¸Ÿ¸»›¸¸ be materially misstated if, either classification dates,
œ¸¸¥¸›¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸‡ ÷¸¸½ ƒ›¸ ‚¢ŠÏŸ¸¸Ê individually or in aggregate, the reversal of unrealized
‚¸š¸¸£ œ¸£ ‚¸¦¬÷¸ ¨¸Š¸úĈţµ¸
ˆÅ¸ ¨¸í›¸ Ÿ¸»¥¡¸ (œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸½ ‹¸’¸ˆÅ£) IRAC norms are not properly interest, value of
ˆÅú ÷¸¸£ú‰¸¸Ê, ‚œÏ¸œ÷¸ ¤¡¸¸¸ ˆ½Å followed.
‚÷¡¸¢š¸ˆÅ ³Åœ¸ ¬¸½ ‚¡¸˜¸¸˜¸Ä ¤¸÷¸¸¡¸¸ ¸¸ available security and
¢£¨¸¬¸Ä¥¸, „œ¸¥¸¤š¸ œÏ¢÷¸ž¸»¢÷¸ provisioning as per IRAC
¬¸ˆÅ÷¸¸ í¾. Considering the materiality
ˆ½Å Ÿ¸»¥¡¸ ‚¸¾£ ‚¸ƒÄ‚¸£‡¬¸ú involved, nature of the
norms. We recomputed
¢›¸¢í÷¸ Ÿ¸í÷¨¸œ¸»µ¸Ä÷¸¸, ¥¸½›¸™½›¸ ˆÅú œÏˆ¼Å¢÷¸, Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚›¸º¬¸¸£ œÏ¸¨¸š¸¸›¸ the provision after
transactions, regulatory
considering the
¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê, Ÿ¸¸¾¸»™¸ ˆÅú ¸¸¿¸ ˆÅú. ퟸ›¸½ œÏŸ¸º‰¸ requirements, existing
key input factors
ˆÅ¸£¸½¤¸¸£ú Ÿ¸¸í¸¾¥¸, „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆÅú business environment,
ƒ›¸œ¸º’ ˆÅ¸£ˆÅ¸Ê œ¸£ ¢¨¸¸¸£ ˆÅ£›¸½

288 Friendship That

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Corporate Overview Statutory Reports Financial Statements

¢¨¸î¸ú¡¸ ‚¨¸¬˜¸¸ ˆ½Å Ÿ¸»¥¡¸¸¿ˆÅ›¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ˆ½Å ¤¸¸™ œÏ¸¨¸š¸¸›¸ ˆÅú œ¸º›¸Š¸Äµ¸›¸¸ estimation/ judgement involved and compared our
‚›¸ºŸ¸¸›¸/¢›¸µ¸Ä¡¸ ¬¸¸˜¸ íú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆ½Å ˆÅú ‚¸¾£ ퟸ¸£½ Ÿ¸¸œ¸ œ¸¢£µ¸¸Ÿ¸¸Ê in assessment of financial measurement outcome
condition of borrowers as well to that prepared by
Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸÷¸½ íº‡, ퟸ›¸½ ˆÅú ÷¸º¥¸›¸¸ œÏ¤¸¿š¸›¸ ׸£¸ as valuation of securities, we management.
ƒ¬¸½ ‡ˆÅ œÏŸ¸º‰¸ ¥¸½‰¸¸ œ¸£ú®¸¸ Ÿ¸¸Ÿ¸¥¸½ ˆ½Å ÷¸¾¡¸¸£ ¢ˆÅ‡ Š¸‡ œ¸¢£µ¸¸Ÿ¸¸Ê ¬¸½ have determined this as a Key • In addition, we have also
³Åœ¸ Ÿ¸Ê ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ í¾. ˆÅú. Audit Matter. carried out substantive
• ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, ퟸ›¸½ ©¸¸‰¸¸‚¸Ê/ procedures including
ˆÅ¸¡¸¸Ä¥¸¡¸¸Ê ˆÅ¸ ™¸¾£¸ ˆÅ£›¸½ ‚¸¾£ visits to branches/
™¬÷¸¸¨¸½¸¸Ê ‚¸¾£ ‚›¡¸ ‚¢ž¸¥¸½‰¸¸Ê offices and examination
ˆÅú ¸¸¿¸ ˆ½Å ¬¸¸˜¸-¬¸¸˜¸ ‚¢ŠÏŸ¸¸Ê of documentation and
other records as well as
ˆ½Å ¢¥¸‡ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê œ¸£ ¬¨¸÷¸¿°¸
reports of independent
Ÿ¸»¥¡¸¸¿ˆÅ›¸ˆÅ÷¸¸Ä‚¸Ê ˆÅú ¢£œ¸¸½’Ä valuers on securities to
¬¸¢í÷¸ Ÿ¸»¥¸ œÏ¢ÇÅ¡¸¸‡¿ ž¸ú œ¸»£ú ˆÅú advances.
íÿ. • In respect of other
• ‚›¡¸ ©¸¸‰¸¸‚¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê, Branches, our audit
ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ œÏ¢ÇÅ¡¸¸‚¸Ê procedures included
Ÿ¸Ê ƒ¥¸½Æ’ï¸Á¢›¸ˆÅ Ÿ¸¸š¡¸Ÿ¸ ¬¸½ review of sample
advances based on
¤¸ÿˆÅ ׸£¸ íŸ¸Ê „œ¸¥¸¤š¸ ˆÅ£¸‡
scanned records/
Š¸‡ ¬ˆ¾Å›¸ ¢ˆÅ‡ Š¸‡ ¢£ˆÅ¸Á”Ä/ reports/ documents/
¢£œ¸¸½’Ä/ ™¬÷¸¸¨¸½¸¸Ê/ œÏŸ¸¸µ¸œ¸°¸¸Ê certificates made
ˆ½Å ‚¸š¸¸£ œ¸£ ›¸Ÿ¸»›¸¸ ‚¢ŠÏŸ¸¸Ê available to us by the
ˆÅú ¬¸Ÿ¸ú®¸¸, ¬¸ú¤¸ú‡¬¸ ˆ½Å ¢£Ÿ¸¸½’ Bank through electronic
‡Æ¬¸½¬¸ ‚¸¾£ ¤¸ÿˆÅ ˆ½Å ¬¸º£¢®¸÷¸ mode and remote
›¸½’¨¸ˆÄÅ œ¸£ ‚›¡¸ œÏ¸¬¸¿¢Š¸ˆÅ access to CBS and other
relevant application
‡¦œ¥¸ˆ½Å©¸›¸ ¬¸¸ÁÉ’¨¸½¡¸£ ©¸¸¢Ÿ¸¥¸
software over secure
íÿ. network of the Bank.
¬¸»¸›¸¸ œÏ¸¾Ô¸¸½¢Š¸ˆÅú (‚¸ƒÄ’ú) œÏµ¸¸¢¥¸¡¸¸¿ ‚¸¾£ ¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ œ¸£ Information Technology (IT) Systems and controls over
¢›¸¡¸¿°¸µ¸ financial reporting
The Bank’s key financial As a part of our audit
¤¸ÿˆÅ ˆÅú œÏŸ¸º‰¸ ¢¨¸î¸ú¡¸ ¥¸½‰¸¸¿ˆÅ›¸ ¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆÅú ‚¸ƒÄ’ú accounting and reporting procedures for review of the
¨¸ ¢£œ¸¸½¢’ôŠ¸ œÏ¢ÇÅ¡¸¸‡Â ˆÅ¸½£ ¤¸ÿ¢ˆ¿ÅŠ¸, œÏµ¸¸¢¥¸¡¸¸Ê ‚¸¾£ ¬¸¿¤¸¿¢š¸÷¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú processes are highly dependent Bank’s IT systems and related
‚¸ƒÄ‚¸£‡¬¸ú ‚¸¾£ ’ｏ¸£ú ¬¸Ÿ¸¸š¸¸›¸¸Ê ¬¸Ÿ¸ú®¸¸ ˆ½Å ¢¥¸‡ ퟸ¸£ú ¥¸½‰¸¸ œ¸£ú®¸¸ on Core Banking, IRAC and controls for financial reporting:
œÏ¢ÇÅ¡¸¸‚¸Ê ˆ½Å ‡ˆÅ ž¸¸Š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê Treasury Solutions and other
÷¸˜¸¸ ‚›¡¸ ¬¸í¸¡¸ˆÅ ¬¸¸ÁÉ’¨¸½¡¸£ ‚¸¾£ • We have planned,
¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ¤¸¸÷¸Ê ©¸¸¢Ÿ¸¥¸ íÿÀ supporting software and
í¸”Ä¨¸½¡¸£ ¢›¸¡¸¿°¸µ¸¸Ê œ¸£ ƒ÷¸›¸ú ¡¸¸™¸ designed and carried
hardware controls such that
• ퟸ›¸½ ¤¸ÿˆÅ ˆÅú ‚¸ƒÄ’ú œÏµ¸¸¥¸ú ˆÅ¸½ out the audit procedures
¢›¸ž¸Ä£ íÿ ¢ˆÅ ‚¸ƒÄ’ú ¢›¸¡¸¿°¸µ¸ Ÿ¸Ê ˆÅŸ¸ú there exists a risk that gaps in
and sample checks,
í¸½›¸½ œ¸£ ¢¨¸î¸ú¡¸ ¥¸½‰¸¸¿ˆÅ›¸ ¨¸ ¢£œ¸¸½¢’ôŠ¸ š¡¸¸›¸ Ÿ¸Ê £‰¸÷¸½ íº‡ ¥¸½‰¸¸ œ¸£ú®¸¸ the IT control environment could
taking into consideration
œÏ¢ÇÅ¡¸¸‚¸Ê ‚¸¾£ ›¸Ÿ¸»›¸¸ ¸¸¿¸ ˆÅú result in the financial accounting
¢£ˆÅ¸”¸½ô ˆ½Å ‚÷¡¸¢š¸ˆÅ ³Åœ¸ ¬¸½ Š¸¥¸÷¸ í¸½›¸½ and reporting records being the IT systems of the
¡¸¸½¸›¸¸ ¤¸›¸¸ƒÄ í¾, „›íÊ ¢”¸¸ƒ›¸ Bank. We obtained an
ˆÅ¸ ¸¸½¢‰¸Ÿ¸ ¤¸›¸¸ £í÷¸¸ í¾. materially misstated.
¢ˆÅ¡¸¸ í¾ ‚¸¾£ ¢›¸«œ¸¸¢™÷¸ ¢ˆÅ¡¸¸ understanding of Bank’s
The Bank uses several systems IT environment including
¤¸ÿˆÅ ‚œ¸›¸ú ¬¸Ÿ¸ŠÏ ¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ ˆ½Å í¾. ퟸ›¸½ „›¸ˆÅú œ¸¡¸¸Äœ÷¸÷¸¸
for its overall financial reporting integration of various
¢¥¸‡ ˆÅƒÄ œÏµ¸¸¢¥¸¡¸¸Ê ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£÷¸¸ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ and there is a large volume of systems to evaluate their
í¾ ‚¸¾£ œÏ¢÷¸¢™›¸ ˆÅƒÄ ¬˜¸¸›¸¸Ê œ¸£ ¤¸”õú ¢¨¸¢ž¸››¸ œÏµ¸¸¢¥¸¡¸¸Ê ˆ½Å ‡ˆÅúˆÅ£µ¸ transactions being recorded adequacy.
Ÿ¸¸°¸¸ Ÿ¸Ê ¥¸½›¸™½›¸ ™¸Ä ¢ˆÅ‡ ¸¸ £í½ íÿ. ¬¸¢í÷¸ ¤¸ÿˆÅ ˆ½Å ‚¸ƒÄ’ú ¨¸¸÷¸¸¨¸£µ¸ at multiple locations daily. In
• We tested IT general
ˆÅú ¬¸Ÿ¸¸ œÏ¸œ÷¸ ˆÅú í¾. addition, there are increasing
ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, ¤¸ÿˆÅ ˆ½Å ¢¬¸¬’Ÿ¸ ‚¸¾£ challenges to protect the
controls (logical access,
”½’¸ ˆÅú ‚‰¸¿”÷¸¸ ˆÅú £®¸¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ • ퟸ›¸½ ‚¸ƒÄ’ú ¬¸¸Ÿ¸¸›¡¸ ¢›¸¡¸¿°¸µ¸¸Ê changes management
integrity of the Bank’s systems
(÷¸¸¢ˆÄňŠœ¸íº¿¸, œ¸¢£¨¸÷¸Ä›¸ and aspects of IT
¸º›¸¸¾¢÷¸¡¸¸Â ¤¸õ÷¸ú ¸¸ £íú íÿ ‚¸¾£ í¸¥¸ ˆÅú and data since cyber security
operational controls).
œÏ¤¸¿š¸›¸ ‚¸¾£ ‚¸ƒÄ’ú œ¸¢£¸¸¥¸›¸ has become a more significant
‚¨¸¢š¸ Ÿ¸Ê ¬¸¸ƒ¤¸£ ¬¸º£®¸¸ ‡ˆÅ Ÿ¸í÷¨¸œ¸»µ¸Ä risk in recent periods.
This included testing
¢›¸¡¸¿°¸µ¸ ˆ½Å œ¸í¥¸º‚¸Ê) ˆÅ¸ that requests for access
¸¸½¢‰¸Ÿ¸ ¤¸›¸ Š¸ƒÄ í¾.
œ¸£ú®¸µ¸ ¢ˆÅ¡¸¸. ƒ¬¸Ÿ¸Ê ¢¬¸¬’Ÿ¸

dm{f©H$ [anmoQ>© Annual Report 2023-24 289

ñdV§Ì boImnarjH$mo§ H$r {anmoQ©
Independent Auditors’ Report

‚¸ƒÄ’ú œ¸¡¸¸Ä¨¸£µ¸ ˆÅú ¨¡¸¸œ¸ˆÅ œÏˆ¼Å¢÷¸ ‚¸¾£ ÷¸ˆÅ œ¸íº¿¸ ˆ½Å ‚›¸º£¸½š¸¸Ê ˆÅú Due to the pervasive nature and to systems were
¸¢’¥¸÷¸¸ ˆ½Å ¬¸¸˜¸-¬¸¸˜¸ ¬¸’úˆÅ ‚¸¾£ ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸½ ¨¸ œÏ¸¢š¸ˆ¼Å÷¸ ˆÅ£›¸½ complexity of the IT environment reviewed and authorised.
as well as its importance in We inspected requests
¬¸Ÿ¸¡¸ œ¸£ ¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ˆÅ¸ œ¸£ú®¸µ¸ ž¸ú ©¸¸¢Ÿ¸¥¸ ˜¸¸.
relation to accurate and timely of changes to systems
ƒ¬¸ˆ½Å Ÿ¸í÷¨¸ ˆ½Å ˆÅ¸£µ¸, ퟸ›¸½ ƒ¬¸ ®¸½°¸ ˆÅ¸½ ퟸ›¸½ ‚›¸ºŸ¸¸½™›¸ ‚¸¾£ œÏ¸¢š¸ˆÅ£µ¸ financial reporting, we have for approval and
‡ˆÅ œÏŸ¸º‰¸ ¥¸½‰¸¸ œ¸£ú®¸¸ Ÿ¸¸Ÿ¸¥¸½ ˆ½Å ³Åœ¸ ˆ½Å ¢¥¸‡ ¢¬¸¬’Ÿ¸ Ÿ¸Ê ¤¸™¥¸¸¨¸ ˆ½Å identified this area as a Key authorisation. We have
Ÿ¸Ê ‚¢ž¸¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ í¾. ‚›¸º£¸½š¸¸Ê ˆÅ¸ ¢›¸£ú®¸µ¸ ¢ˆÅ¡¸¸. Audit Matter. also reviewed system
ퟸ›¸½ ›¸Ÿ¸»›¸¸ ‚¸š¸¸£ œ¸£ ¥¸½‰¸¸ of the recording Audit
œ¸£ú®¸¸ ’ï½¥¸ ˆÅú ¢£ˆÅ¸¢”ôŠ¸ ˆÅú trails on a sample basis
œÏµ¸¸¥¸ú ˆÅú ž¸ú ¬¸Ÿ¸ú®¸¸ ˆÅú í¾ and also reviewed
‚¸¾£ Ÿ¸í÷¨¸œ¸»µ¸Ä ‡¦œ¥¸ˆ½Å©¸›¸¸Ê ˆ½Å the reports obtained
¥¸½‰¸¸ œ¸£ú®¸¸ ’ï½¥¸ œÏµ¸¸¥¸ú œ¸£ by bank on the Audit
¤¸ÿˆÅ ׸£¸ œÏ¸œ÷¸ ¢ˆÅ‡ Š¸‡ ¢£œ¸¸½’Ä trail system for critical
applications.
ˆÅú ž¸ú ¬¸Ÿ¸ú®¸¸ ˆÅú.
• Considering reports on
• ‚¸¿÷¸¢£ˆÅ ¥¸½‰¸¸ œ¸£ú®¸¸ IS audit conducted by
¢¨¸ž¸¸Š¸ ׸£¸ ˆÅú Š¸ƒÄ ‚¸ƒÄ‡¬¸ Internal audit department
¥¸½‰¸¸œ¸£ú®¸¸ ¢£œ¸¸½’Ä ‚¸¾£ and External IT System
‚¸ƒÄ‚¸£‡¬¸ú ˆ½Å ¢¥¸‡ ˆÅú Š¸ƒÄ audit report for IRAC as
¤¸¸à¸ ‚¸ƒÄ’ú œÏµ¸¸¥¸ú ¥¸½‰¸¸ well as the audit report
œ¸£ú®¸¸ ¢£œ¸¸½’Ä ÷¸˜¸¸ ¬¸¸˜¸ íú, of Internal Financial
¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£ ˆÅú ‡ˆÅ Control over Financial
Reporting conducted by
¬¨¸÷¸¿°¸ ûÅŸ¸Ä ׸£¸ ˆÅú Š¸ƒÄ ¢¨¸î¸ú¡¸
an independent firm of
¢£œ¸¸½¢’ôŠ¸ œ¸£ ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ Chartered Accountants.
¢›¸¡¸¿°¸µ¸ ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ¢£œ¸¸½’Ä
ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸¸ Š¸¡¸¸. • In addition to the
above, we tested the
• „œ¸£¸½Æ÷¸ ˆ½Å ‚¥¸¸¨¸¸, ퟸ›¸½ ˆºÅŽ design and operating
¬¨¸¸¸¢¥¸÷¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆ½Å ¢”¸¸ƒ›¸ effectiveness of certain
‚¸¾£ ¬¸¿¸¸¥¸›¸ œÏž¸¸¨¸©¸ú¥¸÷¸¸ automated controls
ˆÅ¸ œ¸£ú®¸µ¸ ¢ˆÅ¡¸¸ ¢¸›íÊ ¢¨¸î¸ú¡¸ that were considered
as key internal controls
¢£œ¸¸½¢’ôŠ¸ œ¸£ œÏŸ¸º‰¸ ‚¸¿÷¸¢£ˆÅ
over financial reporting.
¢›¸¡¸¿°¸µ¸ Ÿ¸¸›¸¸ ¸¸÷¸¸ ˜¸¸. ¸í¸¿ Where deficiencies were
ˆÅ¢Ÿ¸¡¸¸Ê ˆÅú œ¸í¸¸›¸ ˆÅú Š¸ƒÄ ˜¸ú, identified, we sought
¨¸í¸Â ퟸ›¸½ ®¸¢÷¸œ¸»¢÷¸Ä ¢›¸¡¸¿°¸µ¸¸Ê explanations regarding
ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¬œ¸«’úˆÅ£µ¸ Ÿ¸¸¿Š¸¸ compensating controls
‚˜¸¨¸¸ ¨¸¾ˆÅ¦¥œ¸ˆÅ ¥¸½‰¸¸œ¸£ú®¸¸ or performed alternate
œÏ¢ÇÅ¡¸¸‡¿ ¬¸¿œ¸››¸ ˆÅú. audit procedures.

‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ‚¸¾£ „›¸ œ¸£ ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê ˆÅú ¢£œ¸¸½’Ä ˆ½Å ‚¥¸¸¨¸¸ Information Other Than Standalone Financial Statements and
Auditors’ Report Thereon
‚›¡¸ ¸¸›¸ˆÅ¸£ú
The Bank’s Board of Directors is responsible for the preparation of
‚›¡¸ ¸¸›¸ˆÅ¸£ú ÷¸¾¡¸¸£ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆÅ¸ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ „™¸¡¸ú í¾. ‚›¡¸ other information. The Other Information comprises the information
¸¸›¸ˆÅ¸£ú Ÿ¸Ê œÏ¤¸¿š¸ ¢¨¸¨¸½¸›¸¸ ‡¨¸¿ ¢¨¸©¥¸½«¸µ¸, ¢›¸™½©¸ˆÅ¸Ê ˆÅú ¢£œ¸¸½’Ä ˆ½Å ‚›¸º¤¸¿š¸ ¬¸¢í÷¸ included in the Management Discussion and Analysis, Director’s
Report including Annexures to Director’s Report, Business
¢›¸™½©¸ˆÅ¸Ê ˆÅú ¢£œ¸¸½’Ä, ¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ „™¸¢¡¸÷¨¸ ‡¨¸¿ ¬¸¿š¸¸£µ¸ú¡¸÷¸¸ ¢£œ¸¸½’Ä, ˆÅ¸Á£œ¸¸½£½’ Responsibility and Sustainability Report, Corporate Governance and
‚¢ž¸©¸¸¬¸›¸ ‚¸¾£ ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆÅú ¸¸›¸ˆÅ¸£ú (¬¸¸Ÿ¸»¢íˆÅ ³Åœ¸ ¬¸½ `‚›¡¸ ¸¸›¸ˆÅ¸£ú' ˆ½Å Shareholders information (collectively called as “Other Information”)
³Åœ¸ Ÿ¸Ê ¢›¸¢™Ä«’) ©¸¸¢Ÿ¸¥¸ íÿ ¥¸½¢ˆÅ›¸ ƒ›¸Ÿ¸Ê ‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ‚¸¾£ „›¸ œ¸£ ퟸ¸£½ but does not include the Standalone Financial Statements and our
auditor’s report thereon. The Other information as above is expected
¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê ˆÅú ¢£œ¸¸½’Ä ©¸¸¢Ÿ¸¥¸ ›¸íú¿ íÿ. „œ¸¡¸ºÄÆ÷¸ ‚›¸º¬¸¸£ ‚¢÷¸¢£Æ÷¸ ¸¸›¸ˆÅ¸£ú ƒ¬¸
to be made available to us after the date of this Auditors’ report.
¥¸½‰¸¸ œ¸£ú®¸ˆÅ ¢£œ¸¸½’Ä ˆÅú ÷¸¸£ú‰¸ ˆ½Å ¤¸¸™ íŸ¸Ê „œ¸¥¸¤š¸ ˆÅ£¸‡ ¸¸›¸½ ˆÅú ‚¸©¸¸ í¾.
Our opinion on the Standalone Financial Statements does not cover
‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê œ¸£ ퟸ¸£½ ‚¢ž¸Ÿ¸÷¸ Ÿ¸Ê ‚›¡¸ ¸¸›¸ˆÅ¸£ú ©¸¸¢Ÿ¸¥¸ ›¸íú¿ í¾ ‚¸¾£ ퟸ the Other Information and we do not express any form of assurance/
conclusion on the other information.
‚›¡¸ ¸¸›¸ˆÅ¸£ú œ¸£ ¢ˆÅ¬¸ú ÷¸£í ˆÅ¸ ‚¸æ¸¸¬¸›¸/ ¢›¸«ˆÅ«¸Ä ›¸íú¿ ™½÷¸½ íÿ.
In connection with our audit of the Standalone Financial Statements,
‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê, ퟸ¸£ú ¢¸ŸŸ¸½™¸£ú ¡¸í í¾ our responsibility is to read the Other Information identified above
¢ˆÅ íŸ¸Ê „œ¸¥¸¤š¸ ˆÅ£¸‡ ¸¸›¸½ œ¸£ …œ¸£ ¢›¸¢™Ä«’ ‚›¡¸ ¸¸›¸ˆÅ¸£ú ˆÅ¸ ‚š¡¸¡¸›¸ ˆÅ£Ê ‚¸¾£ when it becomes available and, in doing so, consider whether the
Other Information is materially inconsistent with the Standalone

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Corporate Overview Statutory Reports Financial Statements

‡½¬¸¸ ˆÅ£÷¸½ ¬¸Ÿ¸¡¸ ¡¸í ¢¨¸¸¸£ ˆÅ£Ê ¢ˆÅ Æ¡¸¸ ‚›¡¸ ¸¸›¸ˆÅ¸£ú ‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ¬¸½ Financial Statements or our knowledge obtained in the audit or
‚˜¸¨¸¸ ¥¸½‰¸¸œ¸£ú®¸¸ Ÿ¸Ê ퟸ¸£½ ׸£¸ œÏ¸œ÷¸ ˆÅú Š¸ƒÄ ¬¸»¸›¸¸ ¬¸½ ÷¸¸¦÷¨¸ˆÅ ³Åœ¸ ¬¸½ ‚¬¸¿Š¸÷¸ í¾ otherwise appears to be materially misstated. When we read the
other information, if we conclude that there is a material misstatement
¡¸¸ ‚›¡¸˜¸¸ ÷¸¸¦÷¨¸ˆÅ ³Åœ¸ ¬¸½ Š¸¥¸÷¸ œÏ÷¸ú÷¸ í¸½÷¸ú í¾. ‚›¡¸ ¸¸›¸ˆÅ¸£ú ˆÅ¸ ‚š¡¸¡¸›¸ ˆÅ£›¸½ therein, we are required to communicate the matter to those charged
œ¸£ ¡¸¢™ ퟸ ¡¸í ¢›¸«ˆÅ«¸Ä ¢›¸ˆÅ¸¥¸÷¸½ íÿ ¢ˆÅ ƒ¬¸ ‚›¡¸ ¸¸›¸ˆÅ¸£ú Ÿ¸Ê ˆÅ¸½ƒÄ ÷¸¸¦÷¨¸ˆÅ ¢¨¸¬¸¿Š¸¢÷¸ with governance.
í¾, ÷¸¸½ ퟸ¸£½ ¢¥¸‡ „¬¸ ÷¸˜¡¸ ˆÅ¸½ ‚¢ž¸©¸¸¬¸›¸ ˆ½Å œÏž¸¸£ú ¨¡¸¢Æ÷¸¡¸¸Ê ˆÅ¸½ „¬¸ˆÅú ¬¸»¸›¸¸ ™½›¸¸ Responsibilities of Management and Those Charged with
‚¸¨¸©¡¸ˆÅ í¾. Governance for the Standalone Financial Statements
œÏ¤¸¿š¸›¸ ‡¨¸¿ ‚¢ž¸©¸¸¬¸›¸ ˆ½Å œÏž¸¸£ú ¨¡¸¢Æ÷¸¡¸¸Ê ˆÅú ‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å The Bank’s Management and Board of Directors is responsible for
œÏ¢÷¸ ¢¸ŸŸ¸½™¸£ú the matters stated in section 134(5) of the Companies Act, 2013
(“the Act”) with respect to the preparation of these Standalone
¤¸ÿˆÅ ˆÅ¸ œÏ¤¸¿š¸›¸ ‚¸¾£ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ˆ¿Åœ¸¢›¸¡¸¸Ê ˆ½Å ¢¥¸‡ ‚¸¨¸©¡¸ˆÅ ÷¸£úˆ½Å Financial Statements in the manner required for Banking companies
¬¸½ ƒ›¸ ‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ÷¸¾¡¸¸£ú ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 and that give a true and fair view of the financial position, financial
(``‚¢š¸¢›¸¡¸Ÿ¸'') ˆÅú š¸¸£¸ 134 (5) Ÿ¸Ê „¦¥¥¸¢‰¸÷¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆ½Å ¢¥¸‡ ¢¸ŸŸ¸½™¸£ í¾, performance and cashflows of the Bank in accordance with the
¸¸½ ‚¢š¸¢›¸¡¸Ÿ¸ ˆÅú š¸¸£¸ 133 ‚¸¾£ ¤¸ÿˆÅˆÅ¸£ú ¢¨¸¢›¸¡¸Ÿ¸›¸ ‚¢š¸¢›¸¡¸Ÿ¸,1949 ˆÅú š¸¸£¸ accounting principles generally accepted in India, including the
29 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ÷¸˜¸¸ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ (`‚¸£¤¸ú‚¸ƒÄ') ׸£¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ Accounting Standards specified under section 133 of the Act and
provisions of Section 29 of the Banking Regulation Act, 1949 and
¸¸£ú œ¸¢£œ¸°¸¸Ê ‡¨¸¿ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ÷¸í÷¸ ¢¨¸¢›¸¢™Ä«’ ¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ¸Ê ¬¸¢í÷¸, ž¸¸£÷¸ circulars and guidelines issued by the Reserve Bank of India (“RBI”)
Ÿ¸Ê ¬¸¸Ÿ¸¸›¡¸÷¸¡¸¸ ¬¨¸úˆ¼Å÷¸ ¥¸½‰¸¸¿ˆÅ›¸ ¢¬¸Ö¸¿÷¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¤¸ÿˆÅ ˆÅú ¢¨¸î¸ú¡¸ ¦¬˜¸¢÷¸, from time to time. This responsibility also includes maintenance of
¢¨¸î¸ú¡¸ ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ‡¨¸¿ ›¸ˆÅ™ú œÏ¨¸¸í ˆÅú ¬¸íú ‚¸¾£ „¢¸÷¸ ¦¬˜¸¢÷¸ œÏ¬÷¸º÷¸ ˆÅ£÷¸½ íÿ. adequate accounting records in accordance with the provisions of
ƒ¬¸ ¢¸ŸŸ¸½™¸£ú Ÿ¸Ê ¤¸ÿˆÅ ˆÅú ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¬¸º£®¸¸ ˆ½Å ¢¥¸‡ ÷¸˜¸¸ š¸¸½‰¸¸š¸”õú ‡¨¸¿ ‚›¡¸ the Act for safeguarding of the assets of the Bank and for preventing
‚¢›¸¡¸¢Ÿ¸÷¸÷¸¸‚¸Ê ˆÅ¸½ £¸½ˆÅ›¸½ ‡¨¸¿ „›¸ˆÅ¸ œ¸÷¸¸ ¥¸Š¸¸›¸½ ˆ½Å ¢¥¸‡ ‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å and detecting frauds and other irregularities, selection and application
‚›¸º¬¸¸£ œ¸¡¸¸Äœ÷¸ ¥¸½‰¸¸ ¢£ˆÅ¸Á”Ä ¤¸›¸¸‡ £‰¸›¸¸, „œ¸¡¸ºÆ÷¸ ¥¸½‰¸¸¿ˆÅ›¸ ›¸ú¢÷¸¡¸¸Ê ˆÅ¸ ¸¡¸›¸ ˆÅ£›¸¸ of appropriate accounting policies, making judgments and estimates
‚¸¾£ „›íÊ ¥¸¸Š¸» ˆÅ£›¸¸, ÷¸ˆÄÅœ¸»µ¸Ä ‚¸¾£ ¢¨¸¨¸½ˆÅ¬¸ŸŸ¸÷¸ ¢›¸µ¸Ä¡¸ ¥¸½›¸¸ ‚¸¾£ œ¸»¨¸¸Ä›¸ºŸ¸¸›¸ ¥¸Š¸¸›¸¸ that are reasonable and prudent; and design, implementation and
maintenance of adequate internal financial controls, that were
÷¸˜¸¸ œ¸¡¸¸Äœ÷¸ ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸ ÷¸¾¡¸¸£ ˆÅ£›¸¸, „›íÊ ˆÅ¸¡¸¸Ä¦›¨¸÷¸ ˆÅ£›¸¸ ÷¸˜¸¸ „›íÊ operating effectively for ensuring the accuracy and completeness of
¤¸›¸¸‡ £‰¸›¸¸, ¸¸½ ¬¸íú ‡¨¸¿ „¢¸÷¸ ¦¬˜¸¢÷¸ œÏ¬÷¸º÷¸ ˆÅ£›¸½ ¨¸¸¥¸ú š¸¸½‰¸¸š¸”õú ¡¸¸ Š¸¥¸÷¸ú ˆ½Å the accounting records, relevant to the preparation and presentation
ˆÅ¸£µ¸ í¸½›¸½ ¨¸¸¥¸½ ÷¸˜¡¸¸÷Ÿ¸ˆÅ ¢Ÿ¸˜¡¸¸ ˆÅ˜¸›¸ ¬¸½ Ÿ¸ºÆ÷¸ ‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ÷¸¾¡¸¸£ ‚¸¾£ of the Standalone Financial Statements that give a true and fair view
œÏ¬÷¸º÷¸ ˆÅ£›¸½ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¥¸½‰¸¸¿ˆÅ›¸ ¢£ˆÅ¸Á”Ä ˆÅú œ¸¢£©¸ºÖ÷¸¸ ‚¸¾£ œ¸»µ¸Ä÷¸¸ ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸½ and are free from material misstatement, whether due to fraud or
ˆ½Å ¢¥¸‡ œÏž¸¸¨¸ú ³Åœ¸ ¬¸½ œ¸¢£¸¸¢¥¸÷¸ íÿ, ž¸ú ©¸¸¢Ÿ¸¥¸ íÿ. error.

‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅ¸½ ÷¸¾¡¸¸£ ˆÅ£›¸½ Ÿ¸Ê œÏ¤¸¿š¸›¸ ˆÅ¸¡¸Ä©¸ú¥¸ ¬¸¿¬˜¸¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¤¸›¸½ In preparing the Standalone Financial Statements, Management is
responsible for assessing the Bank’s ability to continue as a going
£í›¸½ ˆÅú ¤¸ÿˆÅ ˆÅú ¡¸¸½Š¡¸÷¸¸ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ£›¸½, ˆÅ¸¡¸Ä©¸ú¥¸ ¬¸¿¬˜¸¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¢¨¸«¸¡¸¸Ê ˆ½Å concern, disclosing, as applicable, matters related to going concern
¡¸˜¸¸¥¸¸Š¸» œÏˆÅ’úˆÅ£µ¸ ˆÅ£›¸½, ¥¸½‰¸¸¿ˆÅ›¸ ˆÅú ˆÅ¸¡¸Ä©¸ú¥¸ ¬¸¿¬˜¸¸ ‚¸š¸¸£ ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£›¸½ ˆ½Å and using the going concern basis of accounting unless Management
¢¥¸‡ ¸¨¸¸¤¸™½í í¾ ¸¤¸ ÷¸ˆÅ ¢ˆÅ œÏ¤¸¿š¸›¸ ˆÅ¸ ƒ£¸™¸ ¤¸ÿˆÅ ˆÅ¸ œ¸¢£¬¸Ÿ¸¸œ¸›¸ ˆÅ£›¸½ ¡¸¸ œ¸¢£¸¸¥¸›¸ either intends to liquidate the Bank or to cease operations, or has no
¤¸¿™ ˆÅ£›¸½ ˆÅ¸ ›¸ í¸½ ¡¸¸ ‡½¬¸¸ ›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ˆÅ¸½ƒÄ ¨¸¸¬÷¸¢¨¸ˆÅ ¢¨¸ˆÅ¥œ¸ ›¸ í¸½. realistic alternative but to do so.
¤¸ÿˆÅ ˆÅ¸ œÏ¤¸¿š¸›¸ ¤¸ÿˆÅ ˆÅú ¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ œÏ¢ÇÅ¡¸¸ ˆÅú ™½‰¸£½‰¸ ˆ½Å ¢¥¸‡ ž¸ú ¢¸ŸŸ¸½™¸£ í¾. The Bank’s Management is also responsible for overseeing the
Bank’s financial reporting process.
‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ¢¥¸‡ ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê ˆÅú Auditors’ Responsibilities for the audit of the Standalone
¢¸ŸŸ¸½™¸¢£¡¸¸¿ Financial Statements
ퟸ¸£¸ „Ó½©¡¸ ƒ¬¸ ¤¸¸÷¸ ˆÅ¸ ‚¸æ¸¸¬¸›¸ œÏ¸œ÷¸ ˆÅ£›¸¸ í¾ ¢ˆÅ ¬¸Ÿ¸ŠÏ ³Åœ¸ ¬¸½ ‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ Our objectives are to obtain reasonable assurance about whether the
¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê š¸¸½‰¸¸š¸”õú ¡¸¸ °¸º¢’ ˆ½Å ˆÅ¸£µ¸ ˆÅ¸½ƒÄ Ÿ¸í÷¨¸œ¸»µ¸Ä ¢Ÿ¸˜¡¸¸ ˆÅ˜¸›¸ ›¸ í¸½ ‚¸¾£ ‡½¬¸ú Standalone Financial Statements as a whole are free from material
¥¸½‰¸¸œ¸£ú®¸¸ ¢£œ¸¸½’Ä ¸¸£ú í¸½ ¢¸¬¸Ÿ¸Ê ퟸ¸£ú £¸¡¸ ©¸¸¢Ÿ¸¥¸ í¸½. „¢¸÷¸ ‚¸æ¸¸¬¸›¸ ‡ˆÅ „¸ misstatement, whether due to fraud or error, and to issue an auditor’s
report that includes our opinion. Reasonable assurance is a high
¬÷¸£ ˆÅ¸ ‚¸æ¸¸¬¸›¸ í¸½÷¸¸ í¾ ¥¸½¢ˆÅ›¸ ¡¸í ˆÅ¸½ƒÄ Š¸¸£¿’ú ›¸íú¿ í¾ ¢ˆÅ ‡¬¸‡ ˆ½Å ‚›¸º³Åœ¸ ˆÅú Š¸ƒÄ level of assurance, but is not a guarantee that an audit conducted
¥¸½‰¸¸œ¸£ú®¸¸ Ÿ¸Ê œ¸í¥¸½ ¬¸½ Ÿ¸¸¾¸»™ Ÿ¸í÷¨¸œ¸»µ¸Ä ¢Ÿ¸˜¡¸¸ ˆÅ˜¸›¸ ˆÅú ퟸ½©¸¸ œ¸í¸¸›¸ í¸½ ¸¸‡. in accordance with SAs will always detect a material misstatement
š¸¸½‰¸¸š¸”õú ¡¸¸ °¸º¢’ ˆ½Å ˆÅ¸£µ¸ ¢Ÿ¸˜¡¸¸ ˆÅ˜¸›¸ ´¦«’Š¸¸½¸£ í¸½÷¸¸ í¾ ‚¸¾£ ƒ¬¸½ Ÿ¸í÷¨¸œ¸»µ¸Ä when it exists. Misstatements can arise from fraud or error and are
÷¸¤¸ Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ¡¸í ¬¸¿ž¸¸¨¸›¸¸ í¸½ ¢ˆÅ ¡¸í ‚ˆ½Å¥¸½ ¡¸¸ ¬¸Ÿ¸ŠÏ ³Åœ¸ ¬¸½ ƒ›¸ ‡ˆÅ¥¸ considered material if, individually or in the aggregate, they could
¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ¢¥¸‡ Š¸‡ œÏ¡¸¸½Æ÷¸¸‚¸Ê ˆ½Å ‚¸¢˜¸ÄˆÅ ¢›¸µ¸Ä¡¸¸Ê ˆÅ¸½ œÏž¸¸¢¨¸÷¸ reasonably be expected to influence the economic decisions of users
ˆÅ£ ¬¸ˆÅ÷¸¸ í¾. taken on the basis of these Standalone Financial Statements.
As part of an audit in accordance with SAs, we exercise professional
‡¬¸‡ ˆ½Å ‚›¸º³Åœ¸ ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ‡ˆÅ ž¸¸Š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ퟸ ¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ ¢¨¸¨¸½ˆÅ ˆÅ¸ œÏ¡¸¸½Š¸ judgment and maintain professional scepticism throughout the audit.
ˆÅ£÷¸½ íÿ ‚¸¾£ œ¸»£ú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ™¸¾£¸›¸ ¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ ¬¸¿©¸¡¸ ˆÅ¸½ ¤¸›¸¸‡ £‰¸÷¸½ íÿ. ퟸ We also:
¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ˆÅ¸¡¸Ä ž¸ú ˆÅ£÷¸½ íÿÀ • Identify and assess the risks of misstatement of the
• ‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ¢Ÿ¸˜¡¸¸ˆÅ˜¸›¸ ˆ½Å ¸¸½¢‰¸Ÿ¸¸Ê ˆÅú œ¸í¸¸›¸ ‚¸¾£ Ÿ¸»¥¡¸¸¿ˆÅ›¸ Standalone Financial Statements, whether due to fraud or
error, design and perform audit procedures responsive to
¸¸í½ ¨¸í š¸¸½‰¸¸š¸”õú ¡¸¸ °¸º¢’ ˆ½Å ˆÅ¸£µ¸ „÷œ¸››¸ íº‡ í¸Ê, „›¸ ¸¸½¢‰¸Ÿ¸¸Ê ˆ½Å ‚›¸º³Åœ¸ those risks, and obtain audit evidence that is sufficient and
¥¸½‰¸¸ œÏ¢ÇÅ¡¸¸‡¿ ÷¸¾¡¸¸£ ˆÅ£›¸¸ ‚¸¾£ „›¸ œ¸£ ˆÅ¸£Ä¨¸¸ƒÄ ˆÅ£›¸¸ ÷¸˜¸¸ ퟸ¸£ú £¸¡¸ appropriate to provide a basis for our opinion. The risk of
ˆÅ¸½ œ¸¡¸¸Äœ÷¸ ‚¸¾£ ¬¸¿Š¸÷¸ ‚¸š¸¸£ œÏ™¸›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¥¸½‰¸¸œ¸£ú®¸¸ ¬¸¸®¡¸ œÏ¸œ÷¸ not detecting a material misstatement resulting from fraud is
ˆÅ£›¸¸. š¸¸½‰¸¸š¸”õú ˆ½Å ˆÅ¸£µ¸ „÷œ¸››¸ íº‡ Ÿ¸í÷¨¸œ¸»µ¸Ä ¢Ÿ¸˜¡¸¸ˆÅ˜¸›¸¸Ê ˆÅ¸½ ›¸ œ¸í¸¸›¸›¸½ higher than for one resulting from error, as fraud may involve

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Independent Auditors’ Report

ˆÅ¸ ¸¸½¢‰¸Ÿ¸ °¸º¢’ ˆ½Å ˆÅ¸£µ¸ „÷œ¸››¸ íº‡ ¸¸½¢‰¸Ÿ¸ ¬¸½ ¤¸”õ¸ í¾ Æ¡¸¸Ê¢ˆÅ š¸¸½‰¸¸š¸”õú Ÿ¸Ê collusion, forgery, intentional omissions, misrepresentations,
¬¸¸¿“-Š¸¸¿“, ˆÅœ¸’, ¸¸›¸¤¸»¸ ˆÅ£ Ž¸½”õú Š¸ƒÄ °¸º¢’¡¸¸¿, Š¸¥¸÷¸ ¤¸¡¸¸›¸ú ¡¸¸ ‚¸¿÷¸¢£ˆÅ or the override of internal control.
¢›¸¡¸¿°¸µ¸¸Ê ˆÅ¸ „¥¥¸¿‹¸›¸ ©¸¸¢Ÿ¸¥¸ í¸½ ¬¸ˆÅ÷¸¸ í¾. • Obtain an understanding of internal control relevant to the
audit in order to design audit procedures that are appropriate
• ¥¸½‰¸¸œ¸£ú®¸¸ œÏ¢ÇÅ¡¸¸‚¸Ê ˆÅ¸½ ¢”¸¸ƒ›¸ ˆÅ£›¸½ ˆ½Å „Ó½©¡¸ ¬¸½ ¥¸½‰¸¸œ¸£ú®¸¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ in the circumstances. Under section 143(3)(i) of the Companies
‚¸¿÷¸¢£ˆÅ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú ¸¸›¸ˆÅ¸£ú œÏ¸œ÷¸ ˆÅ£›¸¸ ¸¸½ „›¸ œ¸¢£¦¬˜¸¢÷¸¡¸¸Ê ˆ½Å ¢¥¸‡ Act, 2013, we are also responsible for expressing our opinion
„¢¸÷¸ í¸Ê. ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸ 2013 ˆÅú š¸¸£¸ 143(3) (i) ˆ½Å ‚¿÷¸Š¸Ä÷¸ ퟸ on whether the Bank has adequate internal financial controls
¡¸í £¸¡¸ ¨¡¸Æ÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ž¸ú ¢¸ŸŸ¸½™¸£ íÿ ¢ˆÅ Æ¡¸¸ ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ¢¨¸î¸ú¡¸ system with reference to financial statements in place and the
¢¨¸¨¸£µ¸¸½¿ ˆ½Å ¬¸¿™ž¸Ä Ÿ¸½¿ œ¸¡¸¸Äœ÷¸ ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸ œÏµ¸¸¥¸ú ˆÅú ¨¡¸¨¸¬˜¸¸ í¾ operating effectiveness of such controls.
÷¸˜¸¸ Æ¡¸¸ ƒ¬¸ ÷¸£í ˆ½Å ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú œ¸¢£¸¸¥¸›¸ œÏž¸¸¨¸©¸ú¥¸÷¸¸ í¾. • Evaluate the appropriateness of accounting policies used
and the reasonableness of accounting estimates and related
• „œ¸¡¸¸½Š¸ Ÿ¸Ê ¥¸¸ƒÄ Š¸ƒÄ ¥¸½‰¸¸¿ˆÅ›¸ ›¸ú¢÷¸¡¸¸Ê ˆÅú „œ¸¡¸ºÆ÷¸÷¸¸ ‚¸¾£ œÏ¤¸¿š¸›¸ ׸£¸ ¢ˆÅ¡¸½ disclosures made by Management.
Š¸¡¸½ ¥¸½‰¸¸¿ˆÅ›¸ ‚›¸ºŸ¸¸›¸¸Ê ˆÅ¸ ‚¸¾¢¸÷¡¸ ‡¨¸¿ „¬¸¬¸½ ¬¸¿¤¸¿¢š¸÷¸ œÏˆÅ’úˆÅ£µ¸¸Ê ˆÅ¸
• Conclude on the appropriateness of Bank’s Management
Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ£›¸¸. and Board of Directors use of the going concern basis of
• ¤¸ÿˆÅ ˆ½Å œÏ¤¸¿š¸›¸ ‚¸¾£ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆ½Å ¥¸½‰¸¸¿ˆÅ›¸ ˆ½Å ˆÅ¸¡¸Ä©¸ú¥¸ ¬¸¿¬˜¸¸ ˆ½Å ³Åœ¸ accounting and, based on the audit evidence obtained,
Ÿ¸Ê „œ¸¡¸¸½Š¸ ˆÅ£›¸½ ˆ½Å „œ¸¡¸ºÆ÷¸÷¸¸ œ¸£ ‚œ¸›¸¸ ¢›¸«ˆÅ«¸Ä ™½›¸¸ ‚¸¾£ œÏ¸œ÷¸ ¥¸½‰¸¸œ¸£ú®¸¸ whether a material uncertainty exists related to events or
¬¸¸®¡¸¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ƒ¬¸ ¤¸¸÷¸ ˆÅ¸ œ¸÷¸¸ ¥¸Š¸¸›¸¸ ¢ˆÅ Æ¡¸¸ „›¸ ‹¸’›¸¸‚¸Ê ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ conditions that may cast significant doubt on the Bank’s ability
to continue as a going concern. If we conclude that a material
Ÿ¸í÷¨¸œ¸»µ¸Ä ‚¢›¸ä¸÷¸÷¸¸ Ÿ¸¸¾¸»™ í¾ ¡¸¸ ¨¸¾¬¸ú œ¸¢£¦¬˜¸¢÷¸¡¸¸¿ ¤¸›¸ú íÿ ¢¸¬¸Ÿ¸Ê ˆÅ¸¡¸Ä©¸ú¥¸
uncertainty exists, we are required to draw attention in our
¬¸¿¬˜¸¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¤¸›¸½ £í›¸½ ˆÅú ¤¸ÿˆÅ ˆÅú ¡¸¸½Š¡¸÷¸¸ œ¸£ ¬¸¸˜¸ÄˆÅ ¬¸¿™½í ¨¡¸Æ÷¸ auditor’s report to the related disclosures in the Standalone
¢ˆÅ¡¸¸ ¸¸ ¬¸ˆ½Å. ¡¸¢™ ퟸ ¡¸í ¢›¸«ˆÅ«¸Ä ¢›¸ˆÅ¸¥¸÷¸½ íÿ ¢ˆÅ Ÿ¸í÷¨¸œ¸»µ¸Ä ‚¢›¸ä¸÷¸÷¸¸ Financial Statements or, if such disclosures are inadequate,
¢¨¸Ô¸Ÿ¸¸›¸ í¾ ÷¸¸½ íŸ¸Ê ‚œ¸›¸ú ¥¸½‰¸¸œ¸£ú®¸¸ ¢£œ¸¸½’Ä Ÿ¸Ê ‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê to modify our opinion. Our conclusions are based on the
ƒ¬¸ ÷¸£í ˆ½Å œÏˆÅ’úˆÅ£µ¸¸Ê ˆÅú ‚¸½£ š¡¸¸›¸ ‚¸ˆÅ¢«¸Ä÷¸ ˆÅ£›¸¸ í¸½Š¸¸ ¡¸¸ ¡¸¢™ ƒ¬¸ audit evidence obtained up to the date of our auditor’s report.
÷¸£í ˆ½Å œÏˆÅ’úˆÅ£µ¸ œ¸¡¸¸Äœ÷¸ ›¸íú¿ í¾ ÷¸¸½ íŸ¸Ê ‚œ¸›¸½ ‚¢ž¸Ÿ¸÷¸ ˆÅ¸½ ¬¸¿©¸¸½¢š¸÷¸ ˆÅ£›¸¸ However, future events or conditions may cause the Bank to
í¸½Š¸¸. ퟸ¸£½ ¢›¸«ˆÅ«¸Ä ¥¸½‰¸¸œ¸£ú®¸¸ ˆÅú ÷¸¸£ú‰¸ ÷¸ˆÅ œÏ¸œ÷¸ ¥¸½‰¸¸œ¸£ú®¸¸ ¬¸¸®¡¸¸Ê ˆ½Å cease to continue as a going concern.
‚¸š¸¸£ œ¸£ ‚¸š¸¸¢£÷¸ íÿ. ÷¸˜¸¸¢œ¸, ž¸¢¨¸«¡¸ ˆÅú ‹¸’›¸¸‡¿ ¡¸¸ œ¸¢£¦¬˜¸¢÷¸¡¸¸¿ ¤¸ÿˆÅ ˆ½Å • Evaluate the overall presentation, structure and content of the
ˆÅ¸¡¸Ä©¸ú¥¸ ¬¸¿¬˜¸¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¤¸›¸½ ›¸ £í›¸½ ˆÅ¸ ˆÅ¸£µ¸ ¤¸›¸ ¬¸ˆÅ÷¸ú íÿ. Standalone Financial Statements, including the disclosures,
and whether the Standalone Financial Statements represent
• œÏˆÅ’úˆÅ£µ¸ ¬¸¢í÷¸ ‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ¬¸Ÿ¸ŠÏ œÏ¬÷¸º¢÷¸, ¬¸¿£¸›¸¸ ‡¨¸¿ the underlying transactions and events in a manner that
¢¨¸«¸¡¸¨¸¬÷¸º ˆÅ¸ ÷¸˜¸¸ ƒ¬¸ ¤¸¸÷¸ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ£›¸¸ ¢ˆÅ Æ¡¸¸ ‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ achieves fair presentation.
¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ‚¿÷¸¢›¸Ä¢í÷¸ ¥¸½›¸™½›¸ ‚¸¾£ ‹¸’›¸¸‚¸Ê ˆÅ¸½ ƒ¬¸ ÷¸£úˆ½Å ¬¸½ œÏ¬÷¸º÷¸ ¢ˆÅ¡¸¸ We communicate with those charged with governance regarding,
Š¸¡¸¸ í¾ ¢ˆÅ ƒ¬¸ˆÅú ¢›¸«œ¸®¸ œÏ¬÷¸º¢÷¸ œÏ¸œ÷¸ ˆÅú ¸¸ ¬¸ˆ½Å. among other matters, the planned scope and timing of the audit
ퟸ ‚¢ž¸©¸¸¬¸›¸ ¬¸½ ¸º”õ½ ¨¡¸¢Æ÷¸¡¸¸Ê ˆÅ¸½ ‚›¡¸ ¤¸¸÷¸¸Ê ˆ½Å ¬¸¸˜¸-¬¸¸˜¸ ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å and significant audit findings, including any significant deficiencies in
internal control that we identify during our audit.
¡¸¸½¸›¸¸¤¸Ö ™¸¡¸£½, „¬¸ˆÅú ‚¨¸¢š¸ ‚¸¾£ ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å Ÿ¸í÷¨¸œ¸»µ¸Ä œ¸¢£µ¸¸Ÿ¸¸Ê ÷¸˜¸¸
¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ™¸¾£¸›¸ ‚¸¿÷¸¢£ˆÅ ¢›¸¡¸¿°¸µ¸ Ÿ¸Ê œ¸¸ƒÄ Š¸ƒÄ Ÿ¸í÷¨¸œ¸»µ¸Ä ˆÅ¢Ÿ¸¡¸¸Ê ˆ½Å ¤¸¸£½ Ÿ¸Ê We also provide those charged with governance with a statement
that we have complied with relevant ethical requirements regarding
‚¨¸Š¸÷¸ ˆÅ£¸÷¸½ íÿ. independence, and to communicate with them all relationships
ퟸ ‚¢ž¸©¸¸¬¸›¸ ¬¸½ ¸º”õ½ ¨¡¸¢Æ÷¸¡¸¸Ê ˆÅ¸½ ¨¸Æ÷¸¨¡¸ ž¸ú œÏ¬÷¸º÷¸ ˆÅ£÷¸½ íÿ ¢ˆÅ ퟸ›¸½ ¬¨¸÷¸¿°¸÷¸¸ ¬¸½ and other matters that may reasonably be thought to bear on our
¬¸¿Š¸÷¸ ›¸¾¢÷¸ˆÅ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ˆÅ¸ ‚›¸ºœ¸¸¥¸›¸ ¢ˆÅ¡¸¸ í¾ ‚¸¾£ ¬¸¸˜¸ íú ퟸ¸£ú ¬¨¸÷¸¿°¸÷¸¸ ˆÅ¸½ independence, and where applicable, related safeguards.
œÏž¸¸¢¨¸÷¸ ˆÅ£›¸½ ¨¸¸¥¸½ ¬¸¿¤¸¿š¸¸Ê ‚¸¾£ „›¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅú ¸¸½ ퟸ¸£ú ¬¨¸÷¸¿°¸÷¸¸ ˆÅ¸½ œÏž¸¸¢¨¸÷¸ ˆÅ£ From the matters communicated with those charged with
¬¸ˆÅ÷¸½ íÿ, ‚¸¾£ ¸í¸¿ ž¸ú ¥¸¸Š¸» í¸½ ¨¸í¸¿ „›¸¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¬¸¸¨¸š¸¸¢›¸¡¸¸Ê ˆÅú ¸¸›¸ˆÅ¸£ú ž¸ú ™½÷¸½ íÿ. governance, we determine those matters that were of most
significance in the audit of the Standalone Financial Statements
‚¢ž¸©¸¸¬¸›¸ ¬¸½ ¸º”õ½ ¨¡¸¢Æ÷¸¡¸¸Ê ˆÅ¸½ ¬¸»¢¸÷¸ ¢¨¸«¸¡¸¸Ê ¬¸½ ퟸ „›¸ ¢¨¸«¸¡¸¸Ê ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ˆÅ£÷¸½ of the current period and are therefore the key audit matters. We
íÿ ¸¸½ ¨¸÷¸ÄŸ¸¸›¸ ‚¨¸¢š¸ ˆ½Å ‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ Ÿ¸Ê ‚÷¡¸¿÷¸ Ÿ¸í÷¨¸œ¸»µ¸Ä describe these matters in our auditor’s report unless law or regulation
íÿ ‚¸¾£ ¸¸½ ƒ¬¸¢¥¸‡ Ÿ¸í÷¨¸œ¸»µ¸Ä ¥¸½‰¸¸œ¸£ú®¸¸ ¢¨¸«¸¡¸ íÿ. ퟸ „›¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅ¸ ‚œ¸›¸ú precludes public disclosure about the matter or when, in extremely
¥¸½‰¸¸œ¸£ú®¸¸ ¢£œ¸¸½’Ä Ÿ¸Ê ÷¸¤¸ ÷¸ˆÅ ¨¸µ¸Ä›¸ ˆÅ£÷¸½ íÿ ¸¤¸ ÷¸ˆÅ ¢ˆÅ ¢¨¸¢š¸ ¡¸¸ ¢¨¸¢›¸¡¸Ÿ¸›¸ ׸£¸ ƒ¬¸ rare circumstances, we determine that a matter should not be
Ÿ¸¸Ÿ¸¥¸½ ˆ½Å œÏˆÅ’›¸ ˆ½Å ¢¥¸‡ ¡¸¸ ÷¸¸½ £¸½ˆÅ¸ ›¸ ¸¸‡ ¡¸¸ ¢ûÅ£ ‚÷¡¸¿÷¸ ¢¨¸£¥¸ œ¸¢£¦¬˜¸¢÷¸¡¸¸Ê Ÿ¸Ê communicated in our report because the adverse consequences
¸¤¸ ퟸ ¡¸í ¢›¸µ¸Ä¡¸ ¥¸Ê ¢ˆÅ ‡½¬¸¸ Ÿ¸¸Ÿ¸¥¸¸ ퟸ¸£ú ¢£œ¸¸½’Ä Ÿ¸Ê ›¸íú¿ ¢™¡¸¸ ¸¸›¸¸ ¸¸¢í‡ Æ¡¸¸Ê¢ˆÅ of doing so would reasonably be expected to outweigh the public
interest benefits of such communication.
‡½¬¸¸ ˆÅ£›¸½ ¬¸½ ¥¸¸½ˆÅ ¢í÷¸ œ¸£ œÏ¢÷¸ˆ»Å¥¸ œÏž¸¸¨¸ œ¸”õ›¸½ ˆÅú ‚¸©¸¿ˆÅ¸ í¾.
Other Matters
‚›¡¸ Ÿ¸¸Ÿ¸¥¸½
Included in the financials are total revenue of ` 4.00 Crores and total
¤¸ÿˆÅ ˆÅú ™º¤¸ƒÄ ©¸¸‰¸¸ ¬¸½ ¬¸¿¤¸¦›š¸÷¸ ` 4.00 ˆÅ£¸½”õ ˆ½Å ˆºÅ¥¸ £¸¸¬¨¸ ‚¸¾£ ` 0.77 ˆÅ£¸½”õ loss of ` 0.77 Crores pertaining to Dubai branch of the Bank, which
ˆÅú ˆºÅ¥¸ í¸¢›¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ í¾ ¸¸½ 1 ‚œÏ¾¥¸ 2023 ¬¸½ 31 ¢™¬¸Ÿ¤¸£ 2023 was operational during the period from April 01, 2023 to December
(©¸¸‰¸¸ ˆ½Å ¤¸¿™ í¸½›¸½ ˆÅú ÷¸¸£ú‰¸) ˆÅú ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ œ¸¢£¸¸¥¸›¸Š¸÷¸ ˜¸ú. ©¸¸‰¸¸ ˆ½Å 1 31, 2023 (the date of closure of the branch).The financial statements
of the branch for the period from April 01, 2023 to December 31,
‚œÏ¾¥¸ 2023 ¬¸½ 31 ¢™¬¸Ÿ¤¸£ 2023 ˆÅú ‚¨¸¢š¸ ˆ½Å ¢¨¸î¸ú¡¸ ¸¸›¸ˆÅ¸£ú ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ 2023 were audited by a local branch auditor whose report has been
‡ˆÅ ¬˜¸¸›¸ú¡¸ ©¸¸‰¸¸ ¥¸½‰¸¸œ¸£ú®¸ˆÅ ׸£¸ ˆÅú Š¸ƒÄ, ¢¸¬¸ˆÅú ¢£œ¸¸½’Ä íŸ¸Ê œÏ™¸›¸ ˆÅú Š¸ƒÄ í¾ ‚¸¾£ furnished to us, and our opinion in so far as it relates to the amounts
ƒ¬¸ ©¸¸‰¸¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ £¸¢©¸¡¸¸Ê ‚¸¾£ œÏˆÅ’›¸¸Ê ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ퟸ¸£ú £¸¡¸ œ¸»£ú ÷¸£í and disclosures included in respect of this branch, is based solely on
¬¸½ ‡½¬¸½ ©¸¸‰¸¸ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ ˆÅú ¢£œ¸¸½’Ä œ¸£ ‚¸š¸¸¢£÷¸ í¾. the report of such branch auditor.

292 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

„œ¸¡¸ºÄÆ÷¸ Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ퟸ¸£ú £¸¡¸ ¬¸¿©¸¸½¢š¸÷¸ ›¸íú¿ ˆÅú Š¸ƒÄ í¾. Our opinion is not modified in respect of the above matter.
Report on Other Legal and Regulatory Requirements
‚›¡¸ ¢¨¸¢š¸ˆÅ ÷¸˜¸¸ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ‚œ¸½®¸¸‚¸Ê œ¸£ ¢£œ¸¸½’Ä
1. The Balance Sheet and the Profit and Loss Account have
1. ÷¸º¥¸›¸ œ¸°¸ ‚¸¾£ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸¸ ‚¢š¸¢›¸¡¸Ÿ¸ ˆÅú š¸¸£¸ 133 ÷¸˜¸¸ ƒ¬¸ˆ½Å ÷¸í÷¸ been drawn up in accordance with the provision of Section 29
of the Banking Regulation Act, 1949 read with Section 133 of
¤¸›¸¸‡ Š¸‡ ¢›¸¡¸Ÿ¸¸Ê ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ ¤¸ÿˆÅˆÅ¸£ú ¢¨¸¢›¸¡¸Ÿ¸›¸ ‚¢š¸¢›¸¡¸Ÿ¸, 1949 ˆÅú the Act and Rules made thereunder.
š¸¸£¸ 29 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ÷¸¾¡¸¸£ ¢ˆÅ‡ Š¸‡ íÿ.
2. As required by sub-section (3) of section 30 of the Banking
2. ¤¸ÿˆÅˆÅ¸£ú ¢¨¸¢›¸¡¸Ÿ¸›¸ ‚¢š¸¢›¸¡¸Ÿ¸, 1949 ˆÅú š¸¸£¸ 30 ˆÅú „œ¸š¸¸£¸ (3) ˆÅú Regulation Act, 1949, we report that:
‚œ¸½®¸¸›¸º¬¸¸£ ퟸ ¢£œ¸¸½’Ä ˆÅ£÷¸½ íÿ ¢ˆÅÀ a. We have sought and obtained all the information and
explanations, which to the best of our knowledge and
ˆÅ) ퟸ›¸½ ‡½¬¸ú ¬¸Ÿ¸¬÷¸ ¸¸›¸ˆÅ¸£ú ÷¸˜¸¸ ¬œ¸«’úˆÅ£µ¸ œÏ¸œ÷¸ ¢ˆÅ‡ íÿ ¸¸½ belief were necessary for the purpose of our audit and
ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å œÏ¡¸¸½¸›¸¸˜¸Ä ퟸ¸£½ ¬¸¨¸¸½Ä¸ ±¸¸›¸ ‡¨¸¿ ¢¨¸æ¸¸¬¸ ˆ½Å have found them to be satisfactory.
‚›¸º¬¸¸£ ‚¸¨¸©¡¸ˆÅ ˜¸½ ÷¸˜¸¸ „›íÊ ¬¸¿÷¸¸½«¸¸›¸ˆÅ œ¸¸¡¸¸ í¾. b. The transactions of the Bank, which have come to our
notice during the course of our audit, have been within
š¸) ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ˆ½Å ¸¸½ ¥¸½›¸-™½›¸ ퟸ¸£½ š¡¸¸›¸ Ÿ¸Ê ‚¸‡ the powers of the Bank.
íÿ, ¨¸½ ¤¸ÿˆÅ ˆÅú ‚¢š¸ˆÅ¸£ ¬¸úŸ¸¸ ˆ½Å ž¸ú÷¸£ íÿ. c. The financial accounting systems of the Bank are
centralized and therefore, accounting returns for the
Š¸) ¤¸ÿˆÅ ˆÅú ¢¨¸î¸ú¡¸ ¥¸½‰¸¸ œÏµ¸¸¥¸ú ˆÊÅÍúˆ¼Å÷¸ íÿ ‚¸¾£ ƒ¬¸¢¥¸‡ ¢¨¸î¸ú¡¸ purpose of preparing financial statements are not
¢¨¸¨¸£µ¸ ÷¸¾¡¸¸£ ˆÅ£›¸½ ˆ½Å „Ó½©¡¸ ¬¸½ ¥¸½‰¸¸¿ˆÅ›¸ ¢¨¸¨¸£¢µ¸¡¸¸Â ©¸¸‰¸¸‚¸Ê required to be submitted by the branches. Our audit
׸£¸ œÏ¬÷¸º÷¸ ˆÅ£›¸½ ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ ›¸íú¿ í¾. ퟸ›¸½ ¥¸½‰¸¸-œ¸£ú®¸¸ has been carried out centrally as the necessary records
ˆÊÅÍú¡¸ ³Åœ¸ ¬¸½ ˆÅú í¾ Æ¡¸¸Ê¢ˆÅ ퟸ¸£½ ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å œÏ¡¸¸½¸›¸¸Ê ˆ½Å ¢¥¸‡ and data required for the purposes of our audit are
centrally made available. Further, during the course of
‚¸¨¸©¡¸ˆÅ ¬¸ž¸ú ‚œ¸½¢®¸÷¸ ¢£ˆÅ¸Á”Ä ‚¸¾£ ”½’¸ ˆÊÅÍú¡¸ ³Åœ¸ ¬¸½ „œ¸¥¸¤š¸ our audit, we have visited 31 domestic branches and a
íÿ. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ™¸¾£¸›¸, ퟸ›¸½ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å Gift City IBU, Gandhinagar branch (Overseas) which, in
Ÿ¸¸¾¸»™¸ œ¸¢£œ¸°¸ ˆ½Å ‚›¸ºœ¸¸¥¸›¸ Ÿ¸Ê ퟸ¸£ú ¥¸½‰¸¸ œ¸£ú®¸¸ ˆ½Å œÏ¡¸¸½¸›¸ ˆ½Å aggregate, comprise of 34% of the gross advances of
¢¥¸‡ ‡½¬¸ú ©¸¸‰¸¸‚¸Ê Ÿ¸Ê £‰¸½ Š¸‡ ‚¢ž¸¥¸½‰¸¸Ê ˆÅú ¸¸¿¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ the Bank, to examine the records maintained at such
31 ‹¸£½¥¸» ©¸¸‰¸¸‚¸Ê ‚¸¾£ ¢Š¸É’ ¢¬¸’ú ‚¸ƒÄ¤¸ú¡¸», Š¸¸¿š¸ú›¸Š¸£ ©¸¸‰¸¸ branches for the purpose of our audit, in compliance
with the extant RBI Circular.
(¢¨¸™½©¸) ˆÅ¸ ™¸¾£¸ ¢ˆÅ¡¸¸ í¾, ¢¸›¸Ÿ¸Ê ¤¸ÿˆÅ ˆ½Å ¬¸ˆÅ¥¸ ‚¢ŠÏŸ¸¸Ê ˆÅ¸ 34%
¢›¸¢í÷¸ í¾. 3. As required by section 143(3) of the Act, based on our audit
we report that:
3. ‚¢š¸¢›¸¡¸Ÿ¸ ˆÅú š¸¸£¸ 143(3) ˆ½Å ‚œ¸½®¸¸›¸º¬¸¸£ ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ‚¸š¸¸£ a. we have sought and obtained all the information and
œ¸£ ퟸ ¢£œ¸¸½’Ä ˆÅ£÷¸½ íÿ ¢ˆÅÀ explanations which to the best of our knowledge and
belief were necessary for the purpose of our audit;
ˆÅ) ퟸ›¸½ ‡½¬¸ú ¬¸Ÿ¸¬÷¸ ¸¸›¸ˆÅ¸£ú ÷¸˜¸¸ ¬œ¸«’úˆÅ£µ¸ œÏ¸œ÷¸ ¢ˆÅ‡ íÿ ¸¸½ b. in our opinion, proper books of account as required by
ퟸ¸£½ ¬¸¨¸¸½Ä¸ ±¸¸›¸ ‡¨¸¿ ¢¨¸æ¸¸¬¸ ˆ½Å ‚›¸º¬¸¸£ ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å law have been kept by the Bank so far as appears from
œÏ¡¸¸½¸›¸¸˜¸Ä ‚¸¨¸©¡¸ˆÅ ˜¸½; our examination of those books;
c. the report on the accounts of the Dubai branch of the
‰¸) ퟸ¸£ú £¸¡¸ Ÿ¸Ê ¤¸ÿˆÅ ›¸½ ¢¨¸¢š¸ ׸£¸ ‚œ¸½¢®¸÷¸ „¢¸÷¸ ¥¸½‰¸¸ ¤¸¢í¡¸¸Â £‰¸ú íÿ, Bank audited by other auditor has been forwarded to
¸¾¬¸¸ ¢ˆÅ ƒ›¸ ¤¸¢í¡¸¸Ê ˆÅú ퟸ¸£ú ¸¸¿¸ ¬¸½ œ¸÷¸¸ ¸¥¸÷¸¸ í¾; us and the same has been appropriately dealt with;

Š¸) ¤¸ÿˆÅ ˆÅú ™º¤¸ƒÄ ©¸¸‰¸¸ ˆ½Å ¥¸½‰¸¸Ê ˆÅú ‚›¡¸ ¥¸½‰¸¸œ¸£ú®¸ˆÅ ׸£¸ d. the Balance Sheet, the Statement of Profit and Loss
and Cash Flow Statement dealt with by this report are
¥¸½‰¸¸œ¸£ú¢®¸÷¸ ¢£œ¸¸½’Ä íŸ¸¸£½ œ¸¸¬¸ œÏ½¢«¸÷¸ ˆÅú Š¸ƒÄ í¾ ‚¸¾£ ƒ¬¸ œ¸£ „¢¸÷¸ in agreement with the books of account;
³Åœ¸ ¬¸½ ¢¨¸¸¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾;
e. in our opinion, the aforesaid Standalone Financial
‹¸) ƒ¬¸ ¢£œ¸¸½’Ä Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ¢ˆÅ‡ Š¸‡ ÷¸º¥¸›¸ œ¸°¸, ¥¸¸ž¸-í¸¢›¸ ¢¨¸¨¸£µ¸ ‡¨¸¿ Statements comply with the Accounting Standards
specified under Section 133 of the Act and relevant
›¸ˆÅ™ú œÏ¨¸¸í ¢¨¸¨¸£µ¸ ¥¸½‰¸¸ ¤¸¢í¡¸¸Ê ˆ½Å ‚›¸º³Åœ¸ íÿ; Rules made thereunder, to the extent they are not
inconsistent with the accounting policies prescribed by
Œ) ퟸ¸£ú £¸¡¸ Ÿ¸Ê „œ¸¡¸ºÄÆ÷¸ ‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸, ‚¢š¸¢›¸¡¸Ÿ¸ ˆÅú
RBI;
š¸¸£¸ 133 ÷¸˜¸¸ „¬¸ˆ½Å ÷¸í÷¸ ¤¸›¸¸‡ Š¸‡ ¢›¸¡¸Ÿ¸¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢›¸¢™Ä«’
f. on the basis of written representation received from
¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ¸Ê ˆ½Å „¬¸ ¬¸úŸ¸¸ ÷¸ˆÅ ‚›¸ºœ¸¸¥¸›¸ Ÿ¸Ê íÿ ¸í¸¿ ÷¸ˆÅ ¨¸½ ¢£{¸¨¸Ä
the directors as on March 31st, 2024 and taken on
¤¸ÿˆÅ ׸£¸ ¢›¸š¸¸Ä¢£÷¸ ¥¸½‰¸¸¿ˆÅ›¸ ›¸ú¢÷¸¡¸¸Ê ¬¸½ ‚¬¸¿Š¸÷¸ ›¸íú¿ íÿ; record by the Board of Directors, none of the directors
are disqualified as on March 31st, 2024 from being
¸) 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¢›¸™½©¸ˆÅ¸Ê ¬¸½ œÏ¸œ÷¸ ‚¸¾£ ¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ appointed as director in terms of Section 164 (2) of the
׸£¸ ¢£ˆÅ¸Á”Ä Ÿ¸Ê ¢¥¸‡ Š¸‡ ¢¥¸¢‰¸÷¸ ‚ž¡¸¸¨¸½™›¸ ˆ½Å ‚¸š¸¸£ œ¸£, ¢ˆÅ¬¸ú Companies Act, 2013;
ž¸ú ¢›¸™½©¸ˆÅ ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 g. With respect to the adequacy of the internal financial
ˆÅú š¸¸£¸ 164(2) ˆ½Å ¢›¸¤¸¿š¸›¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¢›¸™½©¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢›¸¡¸ºÆ÷¸ controls with reference to Standalone Financial
¢ˆÅ‡ ¸¸›¸½ ˆ½Å ¢¥¸‡ ‚¡¸¸½Š¡¸ ‹¸¸½¢«¸÷¸ ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾; Statements of the Bank and the operating effectiveness

dm{f©H$ [anmoQ>© Annual Report 2023-24 293

ñdV§Ì boImnarjH$mo§ H$r {anmoQ©
Independent Auditors’ Report

Ž) ¤¸ÿˆÅ ˆ½Å ‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ of such controls, refer to our separate Report in
“Annexure A”;
¢›¸¡¸¿°¸µ¸¸Ê ˆÅú œ¸¡¸¸Äœ÷¸÷¸¸ ‚¸¾£ ‡½¬¸½ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú œ¸¢£¸¸¥¸›¸Š¸÷¸
œÏž¸¸¨¸ˆÅ¸¢£÷¸¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê `‚›¸º¤¸¿š¸ ‡' Ÿ¸Ê ‚¥¸Š¸ ¬¸½ ™ú Š¸ƒÄ ퟸ¸£ú h. In our opinion, the entity being a Banking company,
the remuneration to its directors during the year ended
¢£œ¸¸½’Ä ™½‰¸Ê; March 31st, 2024 has been paid/ provided by the
¸) ퟸ¸£ú £¸¡¸ Ÿ¸Ê, ‡ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ ˆ¿Åœ¸›¸ú í¸½›¸½ ˆ½Å ›¸¸÷¸½, 31 Ÿ¸¸¸Ä, 2024 ˆÅ¸½ Bank in accordance with the provisions of section 35B
¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ƒ¬¸ˆ½Å ¢›¸™½©¸ˆÅ¸Ê ˆÅ¸½ œ¸¸¢£ª¢Ÿ¸ˆÅ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ of the Banking Regulation Act, 1949, and;
¤¸ÿˆÅ ׸£¸ ¤¸ÿˆÅˆÅ¸£ú ¢¨¸¢›¸¡¸Ÿ¸›¸ ‚¢š¸¢›¸¡¸Ÿ¸, 1949 ˆÅú š¸¸£¸ 35 ¤¸ú ˆ½Å i. With respect to the other matters to be included in
the Auditor’s Report in accordance with Rule 11 of
œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾, ‚¸¾£;
the Companies (Audit and Auditors) Rules, 2014,
¸) ¡¸˜¸¸ ¬¸¿©¸¸½¢š¸÷¸, ˆ¿Åœ¸›¸ú (¥¸½‰¸¸œ¸£ú®¸¸ ‚¸¾£ ¥¸½‰¸¸œ¸£ú®¸ˆÅ) ¢›¸¡¸Ÿ¸¸¨¸¥¸ú, as amended, in our opinion and to the best of our
2014 ˆ½Å ¢›¸¡¸Ÿ¸ 11 ˆ½Å ‚›¸º¬¸¸£ ¥¸½‰¸¸œ¸£ú®¸ˆÅ ¢£œ¸¸½’Ä Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ¢ˆÅ‡ information and according to the explanations given to
¸¸›¸½ ¨¸¸¥¸½ ‚›¡¸ ¢¨¸«¸¡¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê, ퟸ¸£ú £¸¡¸ ÷¸˜¸¸ ퟸ¸£ú ¬¸¨¸¸½Ä¸ us;
¸¸›¸ˆÅ¸£ú ‚¸¾£ íŸ¸Ê ¢™‡ Š¸‡ ¬œ¸«’úˆÅ£µ¸¸Ê ˆ½Å ‚›¸º¬¸¸£ -; i. The Bank has disclosed the impact of
pending litigations on its financial position in
i. ¤¸ÿˆÅ ›¸½ ‚œ¸›¸½ ‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ‚œ¸›¸ú ¢¨¸î¸ú¡¸ ¦¬˜¸¢÷¸ its Standalone Financial Statements. Refer
œ¸£ ¥¸¿¢¤¸÷¸ Ÿ¸ºˆÅ™Ÿ¸¸Ê ˆ½Å œÏž¸¸¨¸ ˆÅ¸ œÏˆÅ’›¸ ¢ˆÅ¡¸¸ í¾. ‡ˆÅ¥¸ Schedule 18(B)(12)(C) to the Standalone
¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ‚›¸º¬¸»¸ú 18(¤¸ú)(12)(¬¸ú) ™½‰¸Ê. Financial Statements.
ii. ¤¸ÿˆÅ ›¸½ ¨¡¸º÷œ¸››¸ ¬¸¿¢¨¸™¸‚¸Ê ¬¸¢í÷¸ ™ú‹¸¸Ä¨¸¢š¸ ¬¸¿¢¨¸™¸‚¸Ê œ¸£ ii. The Bank has made provision, as required,
under the applicable law or accounting
Ÿ¸í÷¨¸œ¸»µ¸Ä œ¸»¨¸¸Äž¸¸¬¸ú í¸¢›¸¡¸¸Ê, ¡¸¢™ ˆÅ¸½ƒÄ í¸Ê, ˆ½Å ¢¥¸‡ ¥¸¸Š¸» standards, for material foreseeable losses, if
ˆÅ¸›¸»›¸ ¡¸¸ ¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‚œ¸½¢®¸÷¸ œÏ¸¨¸š¸¸›¸ any, on long term contracts including derivative
¢ˆÅ¡¸¸ í¾. ‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ‚›¸º¬¸»¸ú 18(¤¸ú)(12) contracts. Refer Schedule 18(B)(12)(B) to the
(¤¸ú) ™½‰¸Ê. Standalone Financial Statements.
iii. ¤¸ÿˆÅ ׸£¸ ¢›¸¨¸½©¸ˆÅ ¢©¸®¸¸ ‚¸¾£ ¬¸¿£®¸µ¸ ¢›¸¢š¸ Ÿ¸Ê ‚¿÷¸¢£÷¸ iii. There has been no delay in transferring
amounts, required to be transferred, to the
ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‚¸¨¸©¡¸ˆÅ £¸¢©¸¡¸¸Ê ˆÅ¸½ ‚¿÷¸¢£÷¸ ˆÅ£›¸½ Ÿ¸Ê ˆÅ¸½ƒÄ Investor Education and Protection Fund by the
™½£ú ›¸íú¿ íºƒÄ í¾. Bank.
iv. iv.
ˆÅ. œÏ¤¸¿š¸›¸ ›¸½ ¡¸í ‚ž¡¸¸¨¸½™›¸ ¢ˆÅ¡¸¸ í¾ ¢ˆÅ „›¸ˆ½Å ¬¸¨¸¸½Ä¸ a. The Management has represented that,
±¸¸›¸ ‚¸¾£ ¢¨¸æ¸¸¬¸ ˆ½Å ‚›¸º¬¸¸£, ¥¸½‰¸¸ ¢’œœ¸µ¸ú to the best of its knowledge and belief,
as disclosed in the note 18(C)(VII) to the
18 (¬¸ú) (VII) Ÿ¸Ê ¡¸˜¸¸ ™©¸¸Ä‡ ‚›¸º¬¸¸£, ¤¸ÿˆÅ accounts, no funds have been advanced
׸£¸ ¡¸¸ ¢ˆÅ¬¸ú ‚›¡¸ ¨¡¸¢Æ÷¸ ¡¸¸ ¬¸¿¬˜¸¸ ¢¨¸™½©¸ú or loaned or invested (either from
¬¸¿¬˜¸¸ ("Ÿ¸š¡¸¬˜¸") ¬¸¢í÷¸ ¢ˆÅ¬¸ú ¬¸½ ˆÅ¸½ƒÄ š¸›¸£¸¢©¸ borrowed funds or share premium or
‚¢ŠÏŸ¸ ¡¸¸ „š¸¸£ ¡¸¸ ¢›¸¨¸½©¸ (¡¸¸ ÷¸¸½ „š¸¸£ ¥¸ú Š¸ƒÄ any other sources or kind of funds) by the
bank to or in any other person or entity,
š¸›¸£¸¢©¸ ¡¸¸ ©¸½¡¸£ œÏú¢Ÿ¸¡¸Ÿ¸ ¡¸¸ ¢ˆÅ¬¸ú ž¸ú œÏˆÅ¸£ ˆ½Å
including foreign entity (“Intermediaries”),
‚›¡¸ 踸½÷¸ ¡¸¸ ¢›¸¢š¸¡¸¸½¿ ˆ½Å œÏˆÅ¸£ ¬¸½) ›¸íú¿ ¥¸ú Š¸ƒÄ with the understanding, whether
í¾, ÷¸˜¸¸ ¢¥¸¢‰¸÷¸ ‚˜¸¨¸¸ ‚›¡¸˜¸¸ ³Åœ¸ ¬¸½ ¡¸í Ÿ¸¸›¸¸ recorded in writing or otherwise, that the
Š¸¡¸¸ í¾ ¢ˆÅ Ÿ¸š¡¸¬˜¸, ¤¸ÿˆÅ ׸£¸ ¡¸¸ „¬¸ˆÅú ‚¸½£ ¬¸½ Intermediary shall, directly or indirectly
¢ˆÅ¬¸ú ž¸ú ÷¸£úˆ½Å ¬¸½ œ¸í¸¸›¸½ Š¸‡ ‚›¡¸ ¨¡¸¢Æ÷¸¡¸¸Ê lend or invest in other persons or entities
identified in any manner whatsoever
¡¸¸ ¬¸¿¬˜¸¸‚¸Ê Ÿ¸Ê ("‚¿¢÷¸Ÿ¸ ¥¸¸ž¸¸˜¸úÄ") œÏ÷¡¸®¸ ¡¸¸ by or on behalf of the Bank (“Ultimate
‚œÏ÷¡¸®¸ ³Åœ¸ ¬¸½ „š¸¸£ ¡¸¸ ¢›¸¨¸½©¸ ˆÅ£½Š¸¸ ¡¸¸ ‚¿¢÷¸Ÿ¸ Beneficiaries”) or provide any guarantee,
¥¸¸ž¸¸¢˜¸Ä¡¸¸Ê ˆÅú ‚¸½£ ¬¸½ ˆÅ¸½ƒÄ Š¸¸£¿’ú, œÏ¢÷¸ž¸»¢÷¸ ¡¸¸ security or the like on behalf of the
ƒ¬¸ú ÷¸£í ˆÅú ˆÅ¸½ƒÄ Š¸¸£¿’ú œÏ™¸›¸ ˆÅ£½Š¸¸. Ultimate Beneficiaries
b. The Management has represented,
‰¸. œÏ¤¸¿š¸›¸ ›¸½ ¡¸í ‚ž¡¸¸¨¸½™›¸ ¢ˆÅ¡¸¸ í¾ ¢ˆÅ „›¸ˆ½Å ¬¸¨¸¸½Ä¸
that, to the best of its knowledge and
±¸¸›¸ ‚¸¾£ ¢¨¸æ¸¸¬¸ ˆ½Å ‚›¸º¬¸¸£, ¥¸½‰¸¸ ¢’œœ¸µ¸ú belief, as disclosed in the note 18(C)(VII)
18 (¬¸ú) (VII) Ÿ¸Ê ¡¸˜¸¸ ™©¸¸Ä‡ ‚›¸º¬¸¸£, ¤¸ÿˆÅ to the accounts, no funds have been
׸£¸ ¢¨¸™½©¸ú ¬¸¿¬˜¸¸ (``û¿Å¢”¿Š¸ œ¸¸¢’Ä¡¸¸¿'') ¬¸¢í÷¸ received by the Bank from any person or
¢ˆÅ¬¸ú ž¸ú ¨¡¸¢Æ÷¸ ¡¸¸ ¬¸¿¬˜¸¸ ¬¸½ ˆÅ¸½ƒÄ š¸›¸£¸¢©¸ œÏ¸œ÷¸ entity, including foreign entity (“Funding
Parties”), with the understanding,
›¸íú¿ íºƒÄ í¾, ÷¸˜¸¸ ¢¥¸¢‰¸÷¸ ‚˜¸¨¸¸ ‚›¡¸˜¸¸ ³Åœ¸ whether recorded in writing or otherwise,
¬¸½ ¡¸í Ÿ¸¸›¸¸ Š¸¡¸¸ í¾ ¢ˆÅ Ÿ¸š¡¸¬˜¸, ˆ¿Åœ¸›¸ú ׸£¸ ¡¸¸ that the bank shall, directly or indirectly,
„¬¸ˆÅú ‚¸½£ ¬¸½ ¢ˆÅ¬¸ú ž¸ú ÷¸£úˆ½Å ¬¸½ œ¸í¸¸›¸½ Š¸‡ ‚›¡¸ lend or invest in other persons or entities
¨¡¸¢Æ÷¸¡¸¸Ê ¡¸¸ ¬¸¿¬˜¸¸‚¸Ê Ÿ¸Ê ("‚¿¢÷¸Ÿ¸ ¥¸¸ž¸¸˜¸úÄ") identified in any manner whatsoever
by or on behalf of the Funding Party
œÏ÷¡¸®¸ ¡¸¸ ‚œÏ÷¡¸®¸ ³Åœ¸ ¬¸½ „š¸¸£ ¡¸¸ ¢›¸¨¸½©¸ ˆÅ£½Š¸¸

294 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

¡¸¸ ‚¿¢÷¸Ÿ¸ ¥¸¸ž¸¸¢˜¸Ä¡¸¸Ê ˆÅú ‚¸½£ ¬¸½ ˆÅ¸½ƒÄ Š¸¸£¿’ú, (“Ultimate Beneficiaries”) or provide any
guarantee, security or the like on behalf
œÏ¢÷¸ž¸»¢÷¸ ¡¸¸ ƒ¬¸ú ÷¸£í ˆÅú ˆÅ¸½ƒÄ Š¸¸£¿’ú œÏ™¸›¸ ˆÅ£½Š¸¸. of the Ultimate Beneficiaries;
Š¸. ¥¸½‰¸¸œ¸£ú®¸¸ œÏ¢ÇÅ¡¸¸‚¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ¢¸›íÊ c. Based on the audit procedures that
œ¸¢£¦¬˜¸¢÷¸¡¸¸Ê Ÿ¸Ê „¢¸÷¸ ‚¸¾£ „œ¸¡¸ºÆ÷¸ Ÿ¸¸›¸¸ Š¸¡¸¸ í¾, have been considered reasonable
ퟸ¸£½ ¬¸¿±¸¸›¸ Ÿ¸Ê ‡½¬¸¸ ˆºÅŽ ž¸ú ›¸íú¿ ‚¸¡¸¸ í¾ ¢¸¬¸¬¸½ and appropriate in the circumstances,
íŸ¸Ê ¢¨¸æ¸¸¬¸ í¸½ ¢ˆÅ ¢›¸¡¸Ÿ¸ 11 (ƒÄ) ˆ½Å „œ¸-‰¸¿” (i) nothing has come to our notice that
‚¸¾£ (ii) ˆ½Å ÷¸í÷¸ ‚ž¡¸¸¨¸½™›¸, ¸¾¬¸¸ ¢ˆÅ …œ¸£ has caused us to believe that the
representations under sub-clause (i)
(ˆÅ) ‚¸¾£ (‰¸) ˆ½Å ÷¸í÷¸ œÏ™¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾, ƒ¬¸Ÿ¸Ê and (ii) of Rule 11(e), as provided under
ˆÅ¸½ƒÄ ž¸ú Ÿ¸í÷¨¸œ¸»µ¸Ä ¢Ÿ¸˜¡¸¸ ¢¨¸¨¸£µ¸ í¾. (a) and (b) above, contain any material
v. ¸¾¬¸¸ ¢ˆÅ ‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ¢’œœ¸µ¸ú 18(¤¸ú) (7) misstatement.
(¤¸ú) Ÿ¸Ê „¦¥¥¸¢‰¸÷¸ í¾, v. As stated in Note 18(B)(7)(B) to the standalone
financial statements,
ˆÅ) ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸, ¤¸ÿˆÅ ׸£¸ œÏ¬÷¸¸¢¨¸÷¸, ‹¸¸½¢«¸÷¸ ‚¸¾£
a) During the year, the final dividend
ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ¬¸½ proposed, declared and paid by the
¬¸¿¤¸¦›š¸÷¸ ‚¿¢÷¸Ÿ¸ ¥¸¸ž¸¸¿©¸, ¡¸˜¸¸ ¥¸¸Š¸» ‚¢š¸¢›¸¡¸Ÿ¸ bank relating to FY 2022-23 is in
ˆÅú š¸¸£¸ 123 ˆ½Å ‚›¸º³Åœ¸ í¾. accordance with Section 123 of the Act,
‰¸) ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ›¸½ ‚›÷¸¢£Ÿ¸ ¥¸¸ž¸¸¿©¸ ‹¸¸½¢«¸÷¸ ›¸íú¿ as applicable.
¢ˆÅ¡¸¸ í¾. b) The bank has not declared interim
dividend during the year.
Š¸) ¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ›¸½ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ‚¿¢÷¸Ÿ¸
¥¸¸ž¸¸¿©¸ œÏ¬÷¸¸¢¨¸÷¸ ¢ˆÅ¡¸¸ í¾, ¸¸½ ‚¸Š¸¸Ÿ¸ú ¨¸¸¢«¸ÄˆÅ c) The Board of Directors of the Bank have
Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ¬¸™¬¡¸¸Ê ˆ½Å ‚›¸ºŸ¸¸½™›¸ ˆ½Å ‚š¸ú›¸ í¾. proposed final dividend for the year
which is subject to the approval of the
œÏ¬÷¸¸¢¨¸÷¸ ¥¸¸ž¸¸¿©¸ ˆÅú £¸¢©¸, ¡¸˜¸¸ ¥¸¸Š¸» ‚¢š¸¢›¸¡¸Ÿ¸ members at the ensuing Annual General
ˆÅú š¸¸£¸ 123 ˆ½Å ‚›¸º³Åœ¸ í¾. Meeting. The amount of dividend
proposed is in accordance with section
vi. ퟸ¸£½ œ¸£ú®¸µ¸ œ¸£ ‚¸š¸¸¢£÷¸, ¤¸ÿˆÅ ›¸½ ‚œ¸›¸½ ‰¸¸÷¸¸ ¤¸¢í¡¸¸Ê, 123 of the Act, as applicable.
¢¸¬¸Ÿ¸Ê ¥¸½‰¸¸ œ¸£ú®¸¸ ’ï½¥¸ (‡¢”’-¥¸¸ÁŠ¸) ¬¸º¢¨¸š¸¸ ˆ½Å
‚¢ž¸¥¸½‰¸›¸ ˆÅú ¢¨¸©¸½«¸÷¸¸ í¾ ‚¸¾£ ¬¸¸ÁÉ’¨¸½¡¸£ Ÿ¸Ê ‚¢ž¸¥¸½¢‰¸÷¸ vi. Based on our examination, the bank has used
¬¸ž¸ú ¥¸½›¸™½›¸¸Ê ˆ½Å ¢¥¸‡ „Æ÷¸ ˆÅ¸ œ¸¢£¸¸¥¸›¸ œ¸»£½ ¨¸«¸Ä ¢ˆÅ¡¸¸ Š¸¡¸¸ accounting software for maintaining its books of
accounts which have feature of recording audit
í¾, ˆ½Å £‰¸- £‰¸¸¨¸ ˆ½Å ¢¥¸‡ ¥¸½‰¸¸ˆ¿Å›¸ ¬¸¸ÁÉ’¨¸½¡¸£ ˆÅ¸ œÏ¡¸¸½Š¸ trail (edit log) facility and the same have been
¢ˆÅ¡¸¸ í¾. ƒ¬¸ˆ½Å ‚¢÷¸¢£Æ÷¸, ퟸ¸£½ ¥¸½‰¸¸ œ¸£ú®¸¸ ˆÅú ‚¨¸¢š¸ operated throughout the year for all transactions
ˆ½Å ™¸¾£¸›¸ íŸ¸Ê ¥¸½‰¸¸ œ¸£ú®¸¸ ’ï½¥¸ ˆ½Å ¬¸¸˜¸ í¬÷¸®¸½œ¸ ˆÅ¸ ˆÅ¸½ƒÄ recorded in the software. Further, during the
„™¸í£µ¸ ›¸íú¿ ¢Ÿ¸¥¸¸. course of our audit, we did not come across any
instance of audit trail feature being tampered
œÏ¡¸¸½¡¸÷¸¸ ˆ½Å œÏ˜¸Ÿ¸ ¨¸«¸Ä Ÿ¸Ê, ‚¢ž¸¥¸½‰¸›¸ œÏ¢÷¸š¸¸£µ¸ ˆ½Å ¢¥¸‡ with.
¥¸½‰¸¸ œ¸£ú®¸¸ ’ï½¥¸ ˆ½Å œ¸¢££®¸µ¸ œ¸£ ¢£œ¸¸½¢’ôŠ¸, ‚¸ƒÄ¬¸ú‡‚¸ƒÄ In the first year of applicability, the reporting on
׸£¸ ¸¸£ú ¢›¸™½Ä¢©¸ˆÅ¸ ›¸¸½’, ˆ¿Åœ¸›¸ú (¥¸½‰¸¸ œ¸£ú®¸¸ ‚¸¾£ ¥¸½‰¸¸ preservation of audit trail for record retention
œ¸£ú®¸ˆÅ) ¢›¸¡¸Ÿ¸, 2014 ˆ½Å ¢›¸¡¸Ÿ¸ 11(¸ú) ˆ½Å ÷¸í÷¸ ¥¸½‰¸¸ is not required to be reported upon as per the
œ¸£ú®¸¸ ’ï½¥¸ ˆ½Å ¢£œ¸¸½¢’ôŠ¸ œ¸£ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ¢›¸™½Ä©¸ ˆ½Å ‚›¸º¬¸¸£ Guidance Note on “Implementation Guide on
Reporting on Audit Trail under Rule 11(g) of the
¢£œ¸¸½’Ä ¢ˆÅ¡¸¸ ¸¸›¸¸ ‚¸¨¸©¡¸ˆÅ ›¸íú¿ í¾. Companies (Audit and Auditors) Rules, 2014”
issued by ICAI.

ˆ¼Å÷¸½ ¨¸Ÿ¸¸Ä ‡¿” ¨¸Ÿ¸¸Ä ˆ¼Å÷¸½ ¸ú ”ú ‚¸œ’½ ‡¿” ˆ¿Åœ¸›¸ú

For Varma & Varma For G D Apte & Co
¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants
ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸/FRN - 004532S ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸ /FRN-100515W

ˆ½Å œ¸ú ªú¢›¸¨¸¸¬¸ ¬¸¸¾£ž¸ œ¸½©¸¨¸½

K P Srinivas Saurabh Peshwe
¬¸¸¸½™¸£/Partner ¬¸¸¸½™¸£/ Partner
¬¸. ¬¸¿./M.No. 208520 ¬¸. ¬¸¿./M.No. 121546
¡¸»”ú‚¸ƒÄ‡›¸/UDIN: 24208520BKBLUM4288 ¡¸»”ú‚¸ƒÄ‡›¸/UDIN: 24121546BKBJGI6555

¬˜¸¸›¸ À Ÿ¸º¿¤¸ƒÄ / Place: Mumbai

¢™›¸¸¿ˆÅ À 04 Ÿ¸ƒÄ 2024 / Date : May 04, 2024

dm{f©H$ [anmoQ>© Annual Report 2023-24 295

ñdV§Ì boImnarjH$mo§ H$r {anmoQ©
Independent Auditors’ Report

‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å ‡ˆÅ¥¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê œ¸£ ¬¨¸÷¸¿°¸ Annexure A to the Independent Auditor’s Report of even date on
the Standalone Financial Statements of IDBI Bank Limited
¥¸½‰¸¸œ¸£ú®¸ˆÅ ˆÅú ¬¸Ÿ¸ ¢™›¸¸¿¢ˆÅ÷¸ ¢£œ¸¸½’Ä ˆÅ¸ ‚›¸º¤¸¿š¸ `‡'
Report on the Internal Financial Controls with reference to
ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 143 ˆÅú „œ¸-š¸¸£¸ 3 ˆ½Å ‰¸¿” (i) ˆ½Å ‚š¸ú›¸ financial statements under Clause (i) of Sub-section 3 of Section
¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê œ¸£ ¢£œ¸¸½’Ä 143 of the Companies Act, 2013

ퟸ›¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” (``¤¸ÿˆÅ'') We have audited the internal financial controls with reference to
ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ¬¸¸˜¸-¬¸¸˜¸ „¬¸ ÷¸¸£ú‰¸ ˆÅ¸½ ¤¸ÿˆÅ ˆ½Å ¢¨¸î¸ú¡¸ financial statements of IDBI Bank Limited (“the Bank”) as at March
¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ˆÅú í¾. 31st, 2024 in conjunction with our audit of the financial statements of
the Bank for the year ended on that date.
‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆ½Å ¢¥¸‡ œÏ¤¸¿š¸›¸ ˆÅú ¢{¸ŸŸ¸½™¸£ú
Management’s Responsibility for Internal Financial Controls
¤¸ÿˆÅ ˆÅ¸ œÏ¤¸¿š¸›¸ ‚¸¾£ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ž¸¸£÷¸ú¡¸ ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£ ¬¸¿¬˜¸¸›¸ (`‚¸ƒÄ¬¸ú‡‚¸ƒÄ') The Bank’s Management and Board of Directors are responsible for
׸£¸ ¸¸£ú ¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ œ¸£ establishing and maintaining internal financial controls based on the
Ÿ¸¸Š¸Ä™©¸úÄ ›¸¸½’ (``Ÿ¸¸Š¸Ä™©¸úÄ ›¸¸½’'') Ÿ¸Ê ¢™‡ Š¸‡ ‚¸¿÷¸¢£ˆÅ ¢›¸¡¸¿°¸µ¸ ˆ½Å ‚¸¨¸©¡¸ˆÅ ‹¸’ˆÅ¸Ê internal control over financial reporting criteria established by the
ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸÷¸½ íº‡ ¤¸ÿˆÅ ׸£¸ ¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ Ÿ¸¸›¸™¿”¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¤¸›¸¸‡ Š¸‡ Bank considering the essential components of internal control stated
‚¸¿÷¸¢£ˆÅ ¢›¸¡¸¿°¸µ¸ œ¸£ ‚¸š¸¸¢£÷¸ ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅ¸½ ¬˜¸¸¢œ¸÷¸ ˆÅ£›¸½ ‚¸¾£ in the Guidance Note on Audit of Internal Financial Controls Over
Financial Reporting (“the Guidance Note”) issued by the Institute of
„›íÊ ¤¸›¸¸‡ £‰¸›¸½ ˆ½Å ¢¥¸‡ ¢¸ŸŸ¸½™¸£ í¾. ƒ›¸ ¢¸ŸŸ¸½™¸¢£¡¸¸Ê Ÿ¸Ê ¬¸¿¤¸¿¢š¸÷¸ ¤¸ÿˆÅ ˆÅú ›¸ú¢÷¸¡¸¸Ê ˆ½Å Chartered Accountants of India (“the ICAI”). These responsibilities
‚›¸ºœ¸¸¥¸›¸ ¬¸¢í÷¸ ƒ¬¸ˆ½Å ˆÅ¸£¸½¤¸¸£ ˆ½Å ¨¡¸¨¸¦¬˜¸÷¸ ‚¸¾£ ˆºÅ©¸¥¸ ¬¸¿¸¸¥¸›¸ ˆÅ¸½ ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸½ include the design, implementation and maintenance of adequate
ˆ½Å ¢¥¸‡ œÏž¸¸¨¸ú ³Åœ¸ ¬¸½ ˆÅ¸¡¸Ä ˆÅ£ £í½ œ¸¡¸¸Äœ÷¸ ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅ¸½ ÷¸¾¡¸¸£ ˆÅ£›¸¸, internal financial controls that were operating effectively for ensuring
„›¸ˆÅ¸ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ‚¸¾£ ‚›¸º£®¸µ¸ ˆÅ£›¸¸, ƒ¬¸ˆÅú ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¬¸º£®¸¸, š¸¸½‰¸¸š¸¢”õ¡¸¸Ê ‚¸¾£ the orderly and efficient conduct of its business, including adherence
°¸º¢’¡¸¸Ê ˆÅú £¸½ˆÅ˜¸¸Ÿ¸ ‚¸¾£ œ¸í¸¸›¸, ¥¸½‰¸¸¿ˆÅ›¸ ¢£ˆÅ¸Á”¸½ô ˆÅú œ¸¢£©¸ºÖ÷¸¸ ‚¸¾£ œ¸¢£œ¸»µ¸Ä÷¸¸ to the Bank’s policies, the safeguarding of its assets, the prevention
and detection of frauds and errors, the accuracy and completeness of
÷¸˜¸¸ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 (``‚¢š¸¢›¸¡¸Ÿ¸'') ˆÅú ‚œ¸½®¸¸‚¸Ê ˆ½Å ‚›¸º³Åœ¸ ¢¨¸æ¸¬¸›¸ú¡¸ the accounting records, and the timely preparation of reliable financial
¢¨¸î¸ú¡¸ ¸¸›¸ˆÅ¸£ú ˆÅ¸½ ¬¸Ÿ¸¡¸¤¸Ö ³ œ¸ ¬¸½ ÷¸¾¡¸¸£ ˆÅ£›¸¸ ©¸¸¢Ÿ¸¥¸ í¾. information, as required under the Companies Act, 2013 (“the Act”).
¥¸½‰¸¸œ¸£ú®¸ˆÅ¸½¿ ˆÅú ¢¸ŸŸ¸½™¸£ú Auditors’ Responsibility

ퟸ¸£ú ¢¸ŸŸ¸½™¸£ú ¤¸ÿˆÅ ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê œ¸£ Our responsibility is to express an opinion on the Bank’s internal
ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ‚¸š¸¸£ œ¸£ £¸¡¸ ‚¢ž¸¨¡¸Æ÷¸ ˆÅ£›¸½ ˆÅú í¾. ퟸ›¸½ ‚œ¸›¸ú ¥¸½‰¸¸œ¸£ú®¸¸ financial controls with reference to financial statements based on our
‚¸ƒÄ¬¸ú‡‚¸ƒÄ ׸£¸ ¸¸£ú ¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú audit. We conducted our audit in accordance with the Guidance Note
on Audit of Internal Financial Controls Over Financial Reporting (“the
¥¸½‰¸¸œ¸£ú®¸¸ œ¸£ Ÿ¸¸Š¸Ä™©¸úÄ ›¸¸½’ (``Ÿ¸¸Š¸Ä™©¸úÄ ›¸¸½’'') ÷¸˜¸¸ ¥¸½‰¸¸œ¸£ú®¸¸ ¬¸¿¤¸¿š¸ú Ÿ¸¸›¸ˆÅ¸Ê Guidance Note”) and the Standards on Auditing (“the SAs”), issued
(``‡¬¸‡'') ˆ½Å ‚›¸º¬¸¸£ ˆÅú í¾ ¸¸½ ™¸½›¸¸½¿ ‚¸ƒÄ¬¸ú‡‚¸ƒÄ ׸£¸ ¸¸£ú ¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ œ¸£ by the ICAI and deemed to be prescribed under section 143(10)
‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ¢¥¸‡ ¥¸¸Š¸» ¬¸úŸ¸¸ ÷¸ˆÅ ‚¢š¸¢›¸¡¸Ÿ¸ ˆÅú š¸¸£¸ of the Act, to the extent applicable to an audit of internal financial
143 (10) ˆ½Å ‚š¸ú›¸ ¢¨¸¢›¸¢™Ä«’ Ÿ¸¸›¸½ ¸¸‡¿Š¸½. „›¸ Ÿ¸¸›¸ˆÅ¸Ê ‚¸¾£ Ÿ¸¸Š¸Ä™©¸úÄ ›¸¸½’ ¬¸½ ¡¸í controls over financial reporting, both issued by the ICAI. Those
‚œ¸½¢®¸÷¸ í¾ ¢ˆÅ ퟸ ›¸ú¢÷¸œ¸£ˆÅ ‚œ¸½®¸¸‚¸Ê ˆÅ¸ œ¸¸¥¸›¸ ˆÅ£Ê ‚¸¾£ ¥¸½‰¸¸œ¸£ú®¸¸ ˆÅ¸½ ƒ¬¸ œÏˆÅ¸£ Standards and the Guidance Note require that we comply with ethical
requirements and plan and perform the audit to obtain reasonable
¬¸½ ¢›¸¡¸¸½¢¸÷¸ ‚¸¾£ ¢›¸«œ¸¸¢™÷¸ ˆÅ£Ê ¢ˆÅ ƒ¬¸ ‚¸©¸¡¸ ˆ½Å ¢¥¸‡ ¬¸Ÿ¸º¢¸÷¸ ‚¸æ¸¸¬¸›¸ ¢Ÿ¸¥¸ ¬¸ˆ½Å assurance about whether adequate internal financial controls with
¢ˆÅ Æ¡¸¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê œ¸¡¸¸Äœ÷¸ ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸ ¬˜¸¸¢œ¸÷¸ ‚¸¾£ reference to financial statements was established and maintained
‚›¸º£¢®¸÷¸ ¢ˆÅ‡ Š¸‡ íÿ ‚¸¾£ ¡¸í ž¸ú ¢ˆÅ ‡½¬¸½ ¢›¸¡¸¿°¸µ¸ ¬¸ž¸ú Ÿ¸í÷¨¸œ¸»µ¸Ä œ¸í¥¸º‚¸Ê Ÿ¸Ê œÏž¸¸¨¸ú and if such controls operated effectively in all material respects.
³œ¸ ¬¸½ œ¸¢£¸¸¢¥¸÷¸ ¢ˆÅ‡ Š¸‡ íÿ.
Our audit involves performing procedures to obtain audit evidence
ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ Ÿ¸Ê ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸ œÏµ¸¸¥¸ú ˆÅú about the adequacy of the internal financial controls system with
reference to financial statements and their operating effectiveness.
œ¸¡¸¸Äœ÷¸÷¸¸ ‚¸¾£ „›¸ˆÅú œ¸¢£¸¸¥¸›¸ú¡¸ œÏž¸¸¨¸ˆÅ¸¢£÷¸¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê ¥¸½‰¸¸œ¸£ú®¸¸ ¬¸¸®¡¸ œÏ¸œ÷¸
Our audit of internal financial controls with reference to financial
ˆÅ£›¸½ í½÷¸º ‚œ¸›¸¸ƒÄ Š¸ƒÄ œÏ¢ÇÅ¡¸¸‡Â ©¸¸¢Ÿ¸¥¸ íÿ. ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ statements included obtaining an understanding of internal financial
¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ Ÿ¸Ê ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ controls with reference to financial statements, assessing the risk that
¢›¸¡¸¿°¸µ¸¸Ê ˆÅú ¬¸Ÿ¸¸ í¸¢¬¸¥¸ ˆÅ£›¸¸, ‡½¬¸ú ¸¸½¢‰¸Ÿ¸¸Ê ˆÅ¸ ‚¸ˆÅ¥¸›¸ ˆÅ£›¸¸ ¸í¸¿ ÷¸¸¦÷¨¸ˆÅ ˆÅŸ¸ú a material weakness exists, and testing and evaluating the design
¢¨¸Ô¸Ÿ¸¸›¸ í¾, ‚¸¾£ ‚¸ˆÅ¢¥¸÷¸ ¸¸½¢‰¸Ÿ¸ ˆ½Å ‚¸š¸¸£ œ¸£ ‚¸¿÷¸¢£ˆÅ ¢›¸¡¸¿°¸µ¸ ÷¸¾¡¸¸£ ˆÅ£›¸¸ ‚¸¾£ and operating effectiveness of internal control based on the assessed
risk. The procedures selected depend on the auditor’s judgement,
œ¸¢£¸¸¥¸›¸ œÏž¸¸¨¸ˆÅ¸¢£÷¸¸ ˆÅ¸ œ¸£ú®¸µ¸ ‚¸¾£ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ©¸¸¢Ÿ¸¥¸ í¾. ¸º›¸ú Š¸ƒÄ œÏ¢ÇÅ¡¸¸‡Â
including the assessment of the risks of material misstatement of the
¥¸½‰¸¸œ¸£ú®¸ˆÅ ˆ½Å ¢›¸µ¸Ä¡¸ œ¸£ ‚¸š¸¸¢£÷¸ íÿ ¢¸›¸Ÿ¸Ê ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê š¸¸½‰¸½ ¡¸¸ Š¸¥¸÷¸ú ¬¸½ financial statements, whether due to fraud or error.
¢ˆÅ¬¸ú ÷¸¸¦÷¨¸ˆÅ ¢Ÿ¸˜¡¸¸ ˆÅ˜¸›¸ ˆ½Å ¸¸½¢‰¸Ÿ¸¸Ê ˆÅ¸ ‚¸ˆÅ¥¸›¸ ©¸¸¢Ÿ¸¥¸ í¾.
We believe that the audit evidence we have obtained is sufficient
íŸ¸Ê ¢¨¸æ¸¸¬¸ í¾ ¢ˆÅ ¤¸ÿˆÅ ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ퟸ¸£½ ׸£¸ œÏ¸œ÷¸ ¥¸½‰¸¸œ¸£ú®¸¸ and appropriate to provide a basis for our audit opinion on the
¬¸¸®¡¸ ¤¸ÿˆÅ ˆÅú ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸ œÏµ¸¸¥¸ú ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ £¸¡¸ ˆ½Å Bank’s internal financial controls system with reference to financial
¢¥¸‡ ‚¸š¸¸£ œÏ™¸›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ œ¸¡¸¸Äœ÷¸ ‚¸¾£ „œ¸¡¸ºÆ÷¸ í¾. statements.

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Corporate Overview Statutory Reports Financial Statements

¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅ¸ ‚˜¸Ä Meaning of Internal Financial Controls with reference to Financial
Statements
¤¸ÿˆÅ ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸ ¨¸í œÏ¢ÇÅ¡¸¸ í¾ ¸¸½ ¢¨¸î¸ú¡¸ A Bank’s internal financial control with reference to financial
¢£œ¸¸½¢’ôŠ¸ ˆÅú ¢¨¸æ¸¬¸›¸ú¡¸÷¸¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê „¢¸÷¸ ‚¸æ¸¸¬¸›¸ ™½›¸½ ‚¸¾£ ¬¸¸Ÿ¸¸›¡¸ ³œ¸ ¬¸½ ¬¨¸úˆ¼Å÷¸ statements is a process designed to provide reasonable assurance
¥¸½‰¸¸¿ˆÅ›¸ ¢¬¸Ö¸¿÷¸¸Ê ˆ½Å ‚›¸º³œ¸ ¤¸¸à¸ œÏ¡¸¸½¸›¸¸Ê ˆ½Å ¢¥¸‡ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅ¸½ ÷¸¾¡¸¸£ ˆÅ£›¸½ regarding the reliability of financial reporting and the preparation
ˆ½Å ¢¥¸‡ ¤¸›¸¸ƒÄ Š¸ƒÄ í¾. ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ¤¸ÿˆÅ ˆ½Å ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸ Ÿ¸Ê of financial statements for external purposes in accordance with
generally accepted accounting principles. Bank’s internal financial
¨¸½ ›¸ú¢÷¸¡¸¸Â ‚¸¾£ œÏ¢ÇÅ¡¸¸‡Â ©¸¸¢Ÿ¸¥¸ íÿ ¸¸½ -
control with reference to financial statements includes those policies
(1) „›¸ ‚¢ž¸¥¸½‰¸¸Ê ˆ½Å ‚›¸º£®¸µ¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ íÿ ¸¸½ ¡¸˜¸¸½¢¸÷¸ ¤¡¸¸½£½, ©¸ºÖ÷¸¸ ¬¸½ ‡¨¸¿ and procedures that
„¢¸÷¸ ³Åœ¸ Ÿ¸½¿ ¤¸ÿˆÅ ˆÅú ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¬¸¿¨¡¸¨¸í¸£¸Ê ‚¸¾£ ¢›¸œ¸’¸›¸¸Ê ˆÅ¸½ ™©¸¸Ä÷¸½ íÿ; 1) pertain to the maintenance of records that, in reasonable detail,
(2) ƒ¬¸ ‚¸©¸¡¸ ˆ½Å ¢¥¸‡ ¡¸˜¸¸½¢¸÷¸ ‚¸æ¸¸¬¸›¸ ™½÷¸½ íÿ ¢ˆÅ ¬¸¿¨¡¸í¸£ ¬¸¸Ÿ¸¸›¡¸ ³œ¸ ¬¸½ accurately and fairly reflect the transactions and dispositions
of the assets of the Bank;
¬¨¸úˆ¼Å÷¸ ¥¸½‰¸¸¿ˆÅ›¸ ¢¬¸Ö¸¿÷¸¸Ê ˆ½Å ‚›¸º³œ¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅ¸½ ÷¸¾¡¸¸£ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ 2) provide reasonable assurance that transactions are recorded
‚›¸ºŸ¸÷¸ ‚œ¸½®¸¸ ˆ½Å ¬¸¸˜¸ ™¸Ä ¢ˆÅ‡ ¸¸÷¸½ íÿ ‚¸¾£ ¡¸í ž¸ú ¢ˆÅ ¤¸ÿˆÅ ˆÅú œÏ¸¦œ÷¸¡¸¸Â as necessary to permit preparation of financial statements in
‚¸¾£ ¨¡¸¡¸ ¤¸ÿˆÅ ˆ½Å œÏ¤¸¿š¸›¸ ‚¸¾£ ¢›¸™½©¸ˆÅ¸Ê ˆ½Å œÏ¸¢š¸ˆÅ¸£ ‚›¸º¬¸¸£ íú ¢ˆÅ‡ ¸¸ £í½ accordance with generally accepted accounting principles,
íÿ; ‚¸¾£ and that receipts and expenditures of the Bank are being
made only in accordance with authorizations of Management
(3) ¤¸ÿˆÅ ˆÅú ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ‚œÏ¸¢š¸ˆ¼Å÷¸ ‚¢š¸ŠÏíµ¸, „œ¸¡¸¸½Š¸ ‚˜¸¨¸¸ ¢›¸œ¸’¸›¸ ˆÅú and Directors of the Bank; and
£¸½ˆÅ˜¸¸Ÿ¸ ¡¸¸ ¬¸Ÿ¸¡¸ œ¸£ œ¸í¸¸›¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê „¢¸÷¸ ‚¸æ¸¸¬¸›¸ ™½÷¸½ íÿ ¢¸›¸¬¸½ 3) provide reasonable assurance regarding prevention or timely
¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê œ¸£ Ÿ¸í÷¨¸œ¸»µ¸Ä œÏž¸¸¨¸ œ¸”õ ¬¸ˆÅ÷¸¸ ˜¸¸. detection of unauthorized acquisition, use, or disposition of
the Bank’s assets that could have a material effect on the
¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú ‚¿÷¸¢›¸Ä¢í÷¸ ¬¸úŸ¸¸‡¿ financial statements.
¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú ‚¿÷¸¢›¸Ä¢í÷¸ ¬¸úŸ¸¸‚¸Ê, ¢¸›¸Ÿ¸Ê Inherent Limitations of Internal Financial Controls with reference
to Financial Statements
¢›¸¡¸¿°¸µ¸¸Ê ˆ½Å ’ˆÅ£¸¨¸ ‚˜¸¨¸¸ ‚¬¸¿Š¸÷¸ œÏ¤¸¿š¸›¸ ¬¸½ ¢›¸¡¸¿°¸µ¸¸Ê ˆ½Å ‚¢š¸¨¡¸¸œ¸›¸ ˆÅú ¬¸¿ž¸¸¨¸›¸¸ Because of the inherent limitations of internal financial controls with
©¸¸¢Ÿ¸¥¸ í¾, ˆ½Å ˆÅ¸£µ¸ °¸º¢’ ‚˜¸¨¸¸ š¸¸½‰¸¸š¸”õú ˆÅú ¨¸¸í ¬¸½ ÷¸¸¦÷¨¸ˆÅ ‚¡¸˜¸¸˜¸Ä ˆÅ˜¸›¸ ˆÅú reference to financial statements, including the possibility of collusion
‹¸’›¸¸ í¸½ ¬¸ˆÅ÷¸ú í¾ ‚¸¾£ „›¸ˆÅ¸ œ¸÷¸¸ ›¸ ¥¸Š¸¸¡¸¸ ¸¸ ¬¸ˆ½Å. ¬¸¸˜¸ íú, ž¸¸¨¸ú ‚¨¸¢š¸¡¸¸Ê ˆ½Å ¢¥¸‡ or improper management override of controls, material misstatements
¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆ½Å ¢ˆÅ¬¸ú Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å œ¸»¨¸¸Ä›¸ºŸ¸¸›¸ due to error or fraud may occur and not be detected. Also, projections
ƒ¬¸ ¸¸½¢‰¸Ÿ¸ ˆ½Å ‚š¸ú›¸ íÿ ¢ˆÅ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸ of any evaluation of the internal financial controls with reference to
financial statements to future periods are subject to the risk that the
œ¸¢£¦¬˜¸¢÷¸¡¸¸Ê Ÿ¸Ê í¸½›¸½ ¨¸¸¥¸½ œ¸¢£¨¸÷¸Ä›¸¸Ê ‚˜¸¨¸¸ ›¸ú¢÷¸¡¸¸Ê ‚˜¸¨¸¸ œÏ¢ÇÅ¡¸¸‚¸Ê ˆ½Å ‚›¸ºœ¸¸¥¸›¸ ˆ½Å internal financial control with reference to financial statements may
¬÷¸£ Ÿ¸Ê ‚¸›¸½ ¨¸¸¥¸ú ¢Š¸£¸¨¸’ ˆ½Å ˆÅ¸£µ¸ ‚œ¸¡¸¸Äœ÷¸ í¸½ ¬¸ˆÅ÷¸½ íÿ. become inadequate because of changes in conditions, or that the
‚¢ž¸Ÿ¸÷¸ degree of compliance with the policies or procedures may deteriorate.
Opinion
ퟸ¸£ú £¸¡¸ Ÿ¸Ê ¤¸ÿˆÅ Ÿ¸Ê ¬¸ž¸ú Ÿ¸í÷¨¸œ¸»µ¸Ä œ¸í¥¸º‚¸Ê ˆÅú ´¦«’ ¬¸½ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä
In our opinion, the Bank has in all material respects, an adequate
Ÿ¸Ê œ¸¡¸¸Äœ÷¸ ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸ œÏµ¸¸¥¸ú ¥¸¸Š¸» í¾ ‚¸¾£ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê internal financial controls system with reference to financial
‡½¬¸½ ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸ ž¸¸£÷¸ú¡¸ ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£ ¬¸¿¬˜¸¸›¸ ׸£¸ ¸¸£ú ¢¨¸î¸ú¡¸ statements and such internal financial controls with reference to
¢£œ¸¸½¢’ôŠ¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ œ¸£ Ÿ¸¸Š¸Ä™©¸úÄ ›¸¸½’ financial statements were operating effectively as at March 31st,
Ÿ¸Ê ¢™‡ Š¸‡ ‚¸¿÷¸¢£ˆÅ ¢›¸¡¸¿°¸µ¸ ˆ½Å ‚¸¨¸©¡¸ˆÅ ‹¸’ˆÅ¸Ê ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸÷¸½ íº‡ ¤¸ÿˆÅ ׸£¸ 2024, based on the internal control over financial reporting criteria
¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ Ÿ¸¸›¸™¿”¸Ê œ¸£ ¬˜¸¸¢œ¸÷¸ ‚¸¿÷¸¢£ˆÅ ¢›¸¡¸¿°¸µ¸ ˆ½Å ‚¸š¸¸£ œ¸£ 31 Ÿ¸¸¸Ä 2024 established by the Bank considering the essential components
of internal control stated in the Guidance Note on Audit of Internal
ˆÅ¸½ ¡¸½ œÏž¸¸¨¸ú ³œ¸ ¬¸½ ˆÅ¸¡¸Ä ˆÅ£ £í½ ˜¸½. Financial Controls Over Financial Reporting issued by the Institute of
Chartered Accountants of India.
ˆ¼Å÷¸½ ¨¸Ÿ¸¸Ä ‡¿” ¨¸Ÿ¸¸Ä ˆ¼Å÷¸½ ¸ú ”ú ‚¸œ’½ ‡¿” ˆ¿Åœ¸›¸ú
For Varma & Varma For G D Apte & Co
¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants
ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸/FRN - 004532S ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸ /FRN-100515W

ˆ½Å œ¸ú ªú¢›¸¨¸¸¬¸ ¬¸¸¾£ž¸ œ¸½©¸¨¸½

K P Srinivas Saurabh Peshwe
¬¸¸¸½™¸£/Partner ¬¸¸¸½™¸£/Partner
¬¸. ¬¸¿./M.No. 208520 ¬¸. ¬¸¿./M.No. 121546
¡¸»”ú‚¸ƒÄ‡›¸/ UDIN: 24208520BKBLUM4288 ¡¸»”ú‚¸ƒÄ‡›¸/ UDIN: 24121546BKBJGI6555

¬˜¸¸›¸ À Ÿ¸º¿¤¸ƒÄ / Place: Mumbai

¢™›¸¸¿ˆÅ À 04 Ÿ¸ƒÄ 2024 / Date : May 04, 2024

dm{f©H$ [anmoQ>© Annual Report 2023-24 297

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Balance Sheet as at March 31, 2024
(` ‘000 Ÿ¸½¿ / ` in ‘000)
¢¨¸¨¸£µ¸ ‚›¸º¬¸»¸ú ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
Particulars Schedule As at As at
March 31, 2024 March 31, 2023

œ¸»¿¸ú ‚¸¾£ ™½¡¸÷¸¸‡¿ / CAPITAL AND LIABILITIES

œ¸»¿¸ú / Capital 1 10752 40 22 10752 40 22
¢£{¸¨¸Ä ‚¸¾£ ‚¢š¸©¸½«¸ / Reserves and surplus 2 39129 46 35 34566 07 88
¸Ÿ¸¸£¸¢©¸¡¸¸¿ / Deposits 3 277657 22 34 255490 05 09
„š¸¸£ £¸¢©¸¡¸¸¿ / Borrowings 4 17082 69 58 12637 75 01
‚›¡¸ ™½¡¸÷¸¸‡¿ ‡¨¸¿ œÏ¸¨¸š¸¸›¸ / Other liabilities and provisions 5 18568 68 27 17055 89 01
ˆºÅ¥¸ / TOTAL 363190 46 76 330502 17 21
‚¸¦¬÷¸¡¸¸¿ / ASSETS
›¸ˆÅ™ú ‚¸¾£ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ©¸½«¸ 6 13990 95 92 16639 18 42
Cash and balances with Reserve Bank of India
¤¸ÿˆÅ¸Ê ˆ½Å œ¸¸¬¸ ©¸½«¸ ÷¸˜¸¸ Ÿ¸¸¿Š¸ ‚¸¾£ ‚¥œ¸ ¬¸»¸›¸¸ œ¸£ œÏ¢÷¸™½¡¸ £¸¢©¸ 7 11941 92 60 12541 57 00
Balances with banks and money at call and short notice
¢›¸¨¸½©¸ / Investments 8 114934 24 44 99689 74 49
‚¢ŠÏŸ¸ / Advances 9 188620 61 44 162567 72 93

¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸¿ / Fixed assets 10 9519 91 55 9756 86 55

‚›¡¸ ‚¸¦¬÷¸¡¸¸¿ / Other assets 11 24182 80 81 29307 07 82

ˆºÅ¥¸ / TOTAL 363190 46 76 330502 17 21
‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‡¿ / Contingent liabilities 12 197028 69 66 176900 68 70
¨¸¬¸»¥¸ú í½÷¸º ¢¤¸¥¸ / Bills for collection 12363 89 59 11310 73 40
Ÿ¸í÷¨¸œ¸»µ¸Ä ¥¸½‰¸¸ ›¸ú¢÷¸¡¸¸¿ ÷¸˜¸¸ ¥¸½‰¸¸ ¢’œœ¸¢µ¸¡¸¸¿ 17 & 18
Significant Accounting Policies and Notes to Accounts
„œ¸¡¸ºÄÆ÷¸ ¬¸¿™¢ž¸Ä÷¸ ‚›¸º¬¸»¢¸¡¸¸¿ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚¢ž¸››¸ ž¸¸Š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê íÿ
The Schedules referred to above form an integral part of the Balance Sheet

¤¸¸½”Ä ˆ½Å ‚¸™½©¸ ¬¸½ / BY ORDER OF THE BOARD

(£¸ˆ½Å©¸ ©¸Ÿ¸¸Ä) (¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾) (¬¸Ÿ¸£½©¸ œ¸¢£™¸) (¦¬Ÿ¸÷¸¸ ˆºÅ¤¸½£) (¡¸¸½¢÷¸ ›¸¸¡¸£)
(Rakesh Sharma) (Jayakumar S. Pillai)) (Samaresh Parida) (Smita Kuber) (Jyothi Nair)
œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ Ÿ¸º‰¡¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ‚¢š¸ˆÅ¸£ú „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ¢›¸™½©¸ˆÅ Ÿ¸º‰¡¸ ¢¨¸î¸ú¡¸ ‚¢š¸ˆÅ¸£ú ˆ¿Åœ¸›¸ú ¬¸¢¸¨¸
Managing Director & Chief Executive Officer Dy. Managing Director Director Chief Financial Officer Company Secretary
”ú‚¸ƒÄ‡›¸/DIN: 06846594 ”ú‚¸ƒÄ‡›¸/DIN: 10041362 ”ú‚¸ƒÄ‡›¸/DIN: 01853823
ퟸ¸£ú ¬¸Ÿ¸-¢™›¸¸¿¢ˆÅ÷¸ ¢£œ¸¸½’Ä ˆ½Å ‚›¸º¬¸¸£
As per our report of even date ˆ¼Å÷¸½ ¸ú ”ú ‚¸œ’½ ‡¿” ˆ¿Åœ¸›¸ú
ˆ¼Å÷¸½ ¨¸Ÿ¸¸Ä ‡¿” ¨¸Ÿ¸¸Ä For G D Apte & Co
For Varma & Varma ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants
¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸ /FRN-100515W
ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸/FRN - 004532S
ˆ½Å œ¸ú ªú¢›¸¨¸¸¬¸ ¬¸¸¾£ž¸ œ¸½©¸¨¸½
K P Srinivas Saurabh Peshwe
¬¸¸¸½™¸£/Partner ¬¸¸¸½™¸£/Partner
¬¸. ¬¸¿./ M.No. 208520 ¬¸. ¬¸¿./M.No. 121546
¬˜¸¸›¸ À Ÿ¸º¿¤¸ƒÄ / Place: Mumbai
¢™›¸¸¿ˆÅ À 04 Ÿ¸ƒÄ 2024 / Date : May 04, 2024

298 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

bm^-hm{Z boIm 31 ‘mM© 2024 H$mo g‘má df© Ho$ {bE

Profit and Loss Account for the year ended March 31, 2024

(` ‘000 / ` ‘000)

¢¨¸¨¸£µ¸ ‚›¸º¬¸»¸ú 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

Particulars Schedule ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Year Ended Year Ended
March 31, 2024 March 31, 2023

I ‚¸¡¸ / INCOME

‚¢¸Ä÷¸ ¤¡¸¸¸ / Interest earned 13 26426 13 40 20569 78 39

‚›¡¸ ‚¸¡¸ / Other Income 14 3610 90 70 4371 98 37

ˆºÅ¥¸ / TOTAL 30037 04 10 24941 76 76

II ¨¡¸¡¸ / EXPENDITURE
¨¡¸¡¸Š¸÷¸ ¤¡¸¸¸ / Interest expended 15 12239 69 49 9139 23 16

œ¸¢£¸¸¥¸›¸ ¨¡¸¡¸ / Operating expenses 16 8205 29 62 7066 70 00

œÏ¸¨¸š¸¸›¸ ‡¨¸¿ ‚¸ˆÅ¦¬Ÿ¸ˆÅ÷¸¸‡¿ / Provisions and contingencies 3957 95 61 5090 74 33

ˆºÅ¥¸ / TOTAL 24402 94 72 21296 67 49

III ¥¸¸ž¸/ í¸¢›¸ / PROFIT / LOSS

¨¸«¸Ä ˆÅ¸ ¢›¸¨¸¥¸ ¥¸¸ž¸/(í¸¢›¸) / Net Profit / (Loss) for the Year 5634 09 38 3645 09 27

‚¸Š¸½ ¥¸¸¡¸¸ Š¸¡¸¸ ¥¸¸ž¸/(í¸¢›¸) / Profit/(Loss) brought forward 4191 26 82 (43724 12 99)

‚¸Š¸½ ¥¸¸ƒÄ Š¸ƒÄ í¸¢›¸¡¸¸Ê ˆÅ¸ ©¸½¡¸£ œÏú¢Ÿ¸¡¸Ÿ¸ ¬¸½ ¬¸Ÿ¸¿¸›¸ - 45396 18 36
Brought forward losses set off against Share premium

ˆºÅ¥¸ / TOTAL 9825 36 20 5317 14 64

IV ¢¨¸¢›¸¡¸¸½¸›¸ / APPROPRIATIONS
¬¸¸¿¢¨¸¢š¸ˆÅ ¢£{¸¨¸Ä Ÿ¸Ê ‚¿÷¸£µ¸ / Transfer to Statutory Reserve 1408 52 35 911 27 37

œ¸»¿¸úŠ¸÷¸ ¢£{¸¨¸Ä Ÿ¸Ê ‚¿÷¸£µ¸ / Transfer to Capital Reserve 41 33 02 18 21 87

Š¸÷¸ ¨¸«¸Ä ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¥¸¸ž¸¸¿©¸ ƒ¬¸ ¨¸«¸Ä Ÿ¸Ê œÏ™î¸ 1075 24 02 -
Dividend pertaining to previous year paid during the year

¢›¸¨¸½©¸ „÷¸¸£-¸õ¸¨¸ ¢£{¸¨¸Ä (‚¸ƒÄ‡ûÅ‚¸£) Ÿ¸Ê ‚¿÷¸£µ¸ 151 99 55 196 38 58

Transfer to Investment Fluctuation Reserve(IFR)

©¸½«¸ £¸¢©¸ ÷¸º¥¸›¸œ¸°¸ Ÿ¸Ê ¥¸½ ¸¸ƒÄ Š¸ƒÄ / Balance carried over to balance sheet 7148 27 26 4191 26 82

ˆºÅ¥¸ / TOTAL 9825 36 20 5317 14 64

dm{f©H$ [anmoQ>© Annual Report 2023-24 299

bm^-hm{Z boIm 31 ‘mM© 2024 H$mo g‘má df© Ho$ {bE
Profit and Loss Account for the year ended March 31, 2024

(` ‘000 / ` ‘000)

¢¨¸¨¸£µ¸ ‚›¸º¬¸»¸ú 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

Particulars Schedule ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Year Ended Year Ended
March 31, 2024 March 31, 2023

œÏ¢÷¸ ©¸½¡¸£ ‚¸Ä›¸ (`) (‚¿¢ˆÅ÷¸ Ÿ¸»¥¡¸ ` 10 œÏ¢÷¸ ©¸½¡¸£) 18(B)(7A)

Earnings per share (`) (Face Value ` 10 per share)

Ÿ¸»¥¸ / Basic 5.24 3.39

›¡¸»›¸úˆ¼Å÷¸ / Diluted 5.24 3.39

Ÿ¸í÷¨¸œ¸»µ¸Ä ¥¸½‰¸¸ ›¸ú¢÷¸¡¸¸¿ ‚¸¾£ ¥¸½‰¸¸ ¢’œœ¸¢µ¸¡¸¸¿ 17 & 18

Significant Accounting Policies and Notes to Accounts

„œ¸¡¸ºÄÆ÷¸ ¬¸¿™¢ž¸Ä÷¸ ‚›¸º¬¸»¢¸¡¸¸¿ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ ˆ½Å ‚¢ž¸››¸ ‚¿Š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê íÿ
The Schedules referred to above form an integral part of the Profit
and Loss Account

¤¸¸½”Ä ˆ½Å ‚¸™½©¸ ¬¸½ / BY ORDER OF THE BOARD

(£¸ˆ½Å©¸ ©¸Ÿ¸¸Ä) (¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾) (¬¸Ÿ¸£½©¸ œ¸¢£™¸) (¦¬Ÿ¸÷¸¸ ˆºÅ¤¸½£) (¡¸¸½¢÷¸ ›¸¸¡¸£)
(Rakesh Sharma) (Jayakumar S. Pillai)) (Samaresh Parida) (Smita Kuber) (Jyothi Nair)
œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ Ÿ¸º‰¡¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ‚¢š¸ˆÅ¸£ú „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ¢›¸™½©¸ˆÅ Ÿ¸º‰¡¸ ¢¨¸î¸ú¡¸ ‚¢š¸ˆÅ¸£ú ˆ¿Åœ¸›¸ú ¬¸¢¸¨¸
Managing Director & Chief Executive Officer Dy. Managing Director Director Chief Financial Officer Company Secretary
”ú‚¸ƒÄ‡›¸/DIN: 06846594 ”ú‚¸ƒÄ‡›¸/DIN: 10041362 ”ú‚¸ƒÄ‡›¸/DIN: 01853823
ퟸ¸£ú ¬¸Ÿ¸-¢™›¸¸¿¢ˆÅ÷¸ ¢£œ¸¸½’Ä ˆ½Å ‚›¸º¬¸¸£
As per our report of even date ˆ¼Å÷¸½ ¸ú ”ú ‚¸œ’½ ‡¿” ˆ¿Åœ¸›¸ú
ˆ¼Å÷¸½ ¨¸Ÿ¸¸Ä ‡¿” ¨¸Ÿ¸¸Ä For G D Apte & Co
For Varma & Varma ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants
¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸ /FRN-100515W
ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸/FRN - 004532S
ˆ½Å œ¸ú ªú¢›¸¨¸¸¬¸ ¬¸¸¾£ž¸ œ¸½©¸¨¸½
K P Srinivas Saurabh Peshwe
¬¸¸¸½™¸£/Partner ¬¸¸¸½™¸£/Partner
¬¸. ¬¸¿./M.No. 208520 ¬¸. ¬¸¿./M.No. 121546
¬˜¸¸›¸ À Ÿ¸º¿¤¸ƒÄ / Place: Mumbai
¢™›¸¸¿ˆÅ À 04 Ÿ¸ƒÄ 2024 / Date : May 04, 2024

300 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
‚›¸º¬¸»¸ú 1 - œ¸»¿¸ú / SCHEDULE 1 - CAPITAL
(` ‘000 Ÿ¸½¿ / ` in ‘000)

¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

As at As at
March 31, 2024 March 31, 2023

œÏ¸¢š¸ˆ¼Å÷¸ œ¸»¿¸ú / Authorised capital

œÏ÷¡¸½ˆÅ ` 10 ˆ½Å 2100 00 00 000 ƒ¦Æ¨¸’ú ©¸½¡¸£ 21000 00 00 21000 00 00
2100 00 00 000 Equity Shares of ` 10 each
21000 00 00 21000 00 00

¢›¸Š¸Ä¢Ÿ¸÷¸, ‚¢ž¸™î¸ ‚¸¾£ ¸ºˆÅ÷¸¸ œ¸»¿¸ú / Issued, Subscribed & Paid up Capital
œÏ÷¡¸½ˆÅ ` 10 ˆ½Å 1075 24 02 175 (1075 24 02 175) œ¸»µ¸Ä÷¸À ¸ºˆÅ÷¸¸ ƒ¦Æ¨¸’ú ©¸½¡¸£ 10752 40 22 10752 40 22
(‚›¸º¬¸»¸ú 18 ›¸¸½’ ¬¸ú I ™½‰¸Ê)
1075 24 02 175 (1075 24 02 175) Equity Shares of ` 10 each fully paid up
(Refer Schedule 18 Note C I)

ˆºÅ¥¸ / TOTAL 10752 40 22 10752 40 22

‚›¸º¬¸»¸ú 2 - ¢£{¸¨¸Ä ‚¸¾£ ‚¢š¸©¸½«¸ / SCHEDULE 2 - RESERVES AND SURPLUS

(` ‘000 Ÿ¸½¿ / ` in ‘000)
¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
As at As at
March 31, 2024 March 31, 2023
I ¬¸¸¿¢¨¸¢š¸ˆÅ ¢£{¸¨¸Ä / Statutory Reserve
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening balance 4335 70 43 3424 43 06

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Additions during the year 1408 52 35 911 27 37

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿ / Deductions during the year - -

5744 22 78 4335 70 43
II ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ’︿¬¸¥¸½©¸›¸ ¢£{¸¨¸Ä/ Foreign Currency Translation Reserve
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening balance 13 68 77 2 28 16

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Additions during the year 4 53 11 11 40 61

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿ / Deductions during the year - -

18 21 88 13 68 77
III œ¸»¿¸ú ¢£{¸¨¸Ä / Capital Reserve
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening balance 3186 70 21 3168 48 34

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Additions during the year 41 33 02 18 21 87

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿ / Deductions during the year - -

3228 03 23 3186 70 21
IV œ¸º›¸Ÿ¸»Ä¥¡¸›¸ ¢£{¸¨¸Ä / Revaluation Reserve
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening balance 8200 97 55 8467 76 35

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Additions during the year - -

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿ / Deductions during the year - -

¬¸¸Ÿ¸¸›¡¸ ¢£{¸¨¸Ä Ÿ¸Ê ‚¿÷¸£µ¸ / Transfer to General Reserve 267 52 19 266 78 80

7933 45 36 8200 97 55

dm{f©H$ [anmoQ>© Annual Report 2023-24 301

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(` ‘000 Ÿ¸½¿ / ` in ‘000)
¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
As at As at
March 31, 2024 March 31, 2023
V ©¸½¡¸£ œÏú¢Ÿ¸¡¸Ÿ¸ / Share Premium
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening balance 5323 56 46 50719 74 82

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Additions during the year - -

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿ / Deductions during the year# - 45396 18 36

5323 56 46 5323 56 46
VI £¸¸¬¨¸ ‚¸¾£ ‚›¡¸ ¢£{¸¨¸Ä / Revenue and other Reserve
(ˆÅ)/(a) ¬¸¸Ÿ¸¸›¡¸ ¢£{¸¨¸Ä / General Reserve
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening balance 7000 82 98 6734 04 18

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Additions during the year - -

œ¸º›¸Ÿ¸»Ä¥¡¸›¸ ¢£{¸¨¸Ä ¬¸½ ‚¿÷¸¢£÷¸ / Transferred from Revaluation Reserve 267 52 19 266 78 80

¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ ¬¸½ ‚¿÷¸¢£÷¸ / Transferred from Profit & Loss Account - -

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿ / Deductions during the year - -

7268 35 17 7000 82 98

(‰¸) ‚¸¡¸ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸, 1961 ˆÅú š¸¸£¸ 36(1)(viii) ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢¨¸©¸½«¸ ¢£{¸¨¸Ä
(b) Special Reserve under Section 36(1)(viii) of the Income Tax Act, 1961
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening balance 6 35 04 6 35 04

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Additions during the year - -

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿ / Deductions during the year - -

6 35 04 6 35 04

(Š¸) ‚¸¡¸ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸, 1961 ˆÅú š¸¸£¸ 36(1)(viii) ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¬¸¼¢¸÷¸ ‡¨¸¿ ‚›¸º£¢®¸÷¸
¢¨¸©¸½«¸ ¢£{¸¨¸Ä
(c) Special Reserve created and maintained under Section 36(1)(viii) of
the Income Tax Act, 1961
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening balance 1566 00 00 1566 00 00

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Additions during the year - -

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿ / Deductions during the year - -

1566 00 00 1566 00 00

(‹¸) ¢›¸¨¸½©¸ Ÿ¸Ê „÷¸¸£-¸õ¸¨¸ ¢£{¸¨¸Ä

(d) Investment Fluctuation Reserve
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening balance 740 99 62 544 61 04

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Additions during the year 151 99 55 196 38 58

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿ / Deductions during the year - -

892 99 17 740 99 62
VII ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸½¿ ©¸½«¸ / Balance in Profit and Loss account
# # 7148 27 26 4191 26 82

ˆºÅ¥¸ (I ¬¸½ VII) / TOTAL (I to VII) 39129 46 35 34566 07 88

¢’œœ¸µ¸úÀ # 31 Ÿ¸¸¸Ä 2021 ˆÅú ‚¸Š¸½ ¥¸¸ƒÄ Š¸ƒÄ í¸¢›¸¡¸¸Ê ˆÅ¸ ©¸½¡¸£ œÏú¢Ÿ¸¡¸Ÿ¸ ¬¸½ ¬¸Ÿ¸¿¸›¸, ‚›¸º¬¸»¸ú 18(‡)(1¬¸ú) ˆÅú ¢’œœ¸µ¸ú ™½‰¸½¿
Note: # brought forward losses as on March 31, 2021 set off against Share premium refer note Schedule 18(A)(1C)

302 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
‚›¸º¬¸»¸ú 3 - ¸Ÿ¸¸£¸¢©¸¡¸¸¿ / SCHEDULE 3 - DEPOSITS
(` ‘000 Ÿ¸½¿ / ` in ‘000)

¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

As at As at
March 31, 2024 March 31, 2023

‚/A
I. Ÿ¸¸¿Š¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ / Demand Deposits
(i) ¤¸ÿˆÅ¸Ê ¬¸½ / From banks 11774 13 82 11562 67 90

(ii) ‚›¡¸ ¬¸½ / From others 37239 48 87 37393 26 05

49013 62 69 48955 93 95
II. ¤¸¸÷¸ ¤¸ÿˆÅ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ / Savings Bank Deposits 91013 24 14 86498 80 42

III. ¬¸¸¨¸¢š¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ / Term Deposits

(i) ¤¸ÿˆÅ¸Ê ¬¸½ / From banks 7619 31 63 8232 23 14

(ii) ‚›¡¸ ¬¸½ / From others 130011 03 88 111803 07 58

137630 35 51 120035 30 72
ˆºÅ¥¸ (I ¬¸½ III) / TOTAL (I to III) 277657 22 34 255490 05 09

‚¸ / B
(i) ž¸¸£÷¸ Ÿ¸Ê ¦¬˜¸÷¸ ©¸¸‰¸¸‚¸Ê Ÿ¸½¿ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ / Deposits of branches in India 277655 43 26 255487 78 55

(ii) ž¸¸£÷¸ ¬¸½ ¤¸¸í£ ¦¬˜¸÷¸ ©¸¸‰¸¸‚¸Ê Ÿ¸½¿ ¸Ÿ¸¸£¸¢©¸¡¸¸¿

Deposits of branches outside India 1 79 08 2 26 54
ˆºÅ¥¸ / TOTAL 277657 22 34 255490 05 09

‚›¸º¬¸»¸ú 4 - „š¸¸£ £¸¢©¸¡¸¸¿ / SCHEDULE 4 - BORROWINGS

(` ‘000 Ÿ¸½¿ / ` in ‘000)

¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

As at As at
March 31, 2024 March 31, 2023
I. ž¸¸£÷¸ Ÿ¸Ê „š¸¸£ £¸¢©¸¡¸¸¿ / Borrowings in India
(i) ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ / Reserve Bank of India 2400 00 00 2400 00 00

(ii) ‚›¡¸ ¤¸ÿˆÅ / Other banks 376 30 00 578 20 00

(iii) ¢’¡¸£ 1 (›¸¨¸¸½›Ÿ¸½«¸ú ¤¸½Ÿ¸ú¡¸¸™ú †µ¸ ¢¥¸‰¸÷¸) - -

Tier l (Innovative Perpetual Debt Instrument)

(iv) ‚œ¸£ ¢’¡¸£ II ¤¸¸¿” / Upper Tier ll bonds - -

(v) ‚œÏ¢÷¸ž¸»÷¸, œÏ¢÷¸™½¡¸ ¤¸¸¿” (¢’¡¸£ II œ¸»¿¸ú ˆ½Å ¢¥¸‡ Š¸¸¾µ¸)

Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 302 00 00 302 00 00

(vi) ¤¸¸¬¸½¥¸ III ‚¸½Ÿ›¸ú ¢’¡¸£ 2 ¤¸¸¿” / Basel III Omni Tier 2 Bond 2645 00 00 2645 00 00

(vii) ‚›¡¸ / Others 9920 01 23 6153 79 41

ˆºÅ¥¸ (I ) / TOTAL ( I ) 15643 31 23 12078 99 41
II. ž¸¸£÷¸ ˆ½Å ¤¸¸í£ ¬¸½ „š¸¸£ £¸¢©¸¡¸¸¿ / Borrowings outside India 1439 38 35 558 75 60
ˆºÅ¥¸ (I ÷¸˜¸¸ II) / TOTAL ( I and II ) 17082 69 58 12637 75 01
¢’œœ¸µ¸úÀ …œ¸£ I ‚¸¾£ II Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ œÏ¢÷¸ž¸»÷¸ „š¸¸£ £¸¢©¸¡¸¸¿ - ` 7315 01 23 폸¸£ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 3548 79 41 폸¸£)
Note: Secured borrowings included in I and II above- ` 7315 01 23 Thousand (Previous Year ` 3548 79 41 Thousand)

dm{f©H$ [anmoQ>© Annual Report 2023-24 303

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements

‚›¸º¬¸»¸ú 5 - ‚›¡¸ ™½¡¸÷¸¸‡¿ ‚¸¾£ œÏ¸¨¸š¸¸›¸ / SCHEDULE 5 - OTHER LIABILITIES AND PROVISIONS
(` ‘000 Ÿ¸½¿ / ` in ‘000)

¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

As at As at
March 31, 2024 March 31, 2023
I. ™½¡¸ ¢¤¸¥¸ / Bills Payable 2634 82 96 2348 92 67
II. ‚¿÷¸£ ˆÅ¸¡¸¸Ä¥¸¡¸ ¬¸Ÿ¸¸¡¸¸½¸›¸ (¢›¸¨¸¥¸) / Inter office adjustments (net) - -
III. „œ¸¢¸÷¸ ¤¡¸¸¸ / Interest accrued 754 68 38 508 99 48
IV. ‚›¡¸ (œÏ¸¨¸š¸¸›¸ ¬¸¢í÷¸) / Others (Including Provision)
(ˆÅ) Ÿ¸¸›¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å œÏ¢÷¸ ¢¨¸¨¸½ˆÅœ¸»µ¸Ä œÏ¸¨¸š¸¸›¸
(a) Prudential provisions against standard assets 4816 55 64 4977 20 49
(‰¸) œÏ¸œ÷¸ ‚¢ŠÏŸ¸ ž¸ºŠ¸÷¸¸›¸
(b) Advance payments received 723 34 51 544 90 49
(Š¸) ™½¡¸ ¥¸¸ž¸¸¿©¸ ‚¸¾£ ¥¸¸ž¸¸¿©¸ ˆÅ£
(c) Dividend and dividend tax payable - -
(‹¸) ¢¨¸¢¨¸š¸ ¥¸½›¸™¸£
(d) Sundry Creditors 122 72 54 117 43 29
(Œ) ™½¡¸ ¬¸½¨¸¸ ˆÅ£/’ú”ú‡¬¸/‚›¡¸ ˆÅ£
(e) Service tax/TDS/Other taxes payable 227 96 65 172 33 65
(¸) ¢¨¸¢¨¸š¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿
(f) Sundry Deposits 14 65 53 14 12 23
(Ž) ‚›¡¸ œÏ¸¨¸š¸¸›¸
(g) Other provisions 6017 31 14 5072 09 28
(¸) ¢¨¸¢¨¸š¸
(h) Miscellaneous 3256 60 92 3299 87 43
ˆºÅ¥¸ (I ¬¸½ IV) / TOTAL ( I to IV ) 18568 68 27 17055 89 01

‚›¸º¬¸»¸ú 6 - ›¸ˆÅ™ú ‚¸¾£ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ©¸½«¸

SCHEDULE 6 - CASH AND BALANCES WITH RESERVE BANK OF INDIA
(` ‘000 Ÿ¸½¿ / ` in ‘000)
¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
As at As at
March 31, 2024 March 31, 2023
I. í¸˜¸ Ÿ¸Ê ›¸ˆÅ™ú (¢¨¸™½©¸ú Ÿ¸ºÍ¸ ›¸¸½’¸½¿ ¬¸¢í÷¸)
Cash in hand ( including foreign currency notes) 1772 58 42 2488 65 86
II. ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ©¸½«¸ / Balances with Reserve Bank of India
(ˆÅ/a) ¸¸¥¸» ‰¸¸÷¸¸Ê Ÿ¸Ê / in Current Accounts 11898 37 50 10970 52 56

(‰¸/b) ‚›¡¸ ‰¸¸÷¸¸Ê Ÿ¸Ê / in Other Accounts 320 00 00 3180 00 00

ˆºÅ¥¸ (I ÷¸˜¸¸ II) / TOTAL ( I and II ) 13990 95 92 16639 18 42

304 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
‚›¸º¬¸»¸ú 7 - ¤¸ÿˆÅ¸Ê ˆ½Å œ¸¸¬¸ ©¸½«¸ ÷¸˜¸¸ Ÿ¸¸¿Š¸ ‡¨¸¿ ‚¥œ¸ ¬¸»¸›¸¸ œ¸£ œÏ¢÷¸™½¡¸ £¸¢©¸
SCHEDULE 7 - BALANCES WITH BANKS AND MONEY AT CALL AND SHORT NOTICE
(` ‘000 Ÿ¸½¿ / ` in ‘000)
¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
As at As at
March 31, 2024 March 31, 2023
I ž¸¸£÷¸ Ÿ¸Ê / In India
(i) ¤¸ÿˆÅ¸Ê ˆ½Å œ¸¸¬¸ ©¸½«¸ / Balance with banks
(ˆÅ) ¸¸¥¸» ‰¸¸÷¸¸Ê Ÿ¸Ê
(a) in Current Accounts 184 07 91 229 92 97
(‰¸) ‚›¡¸ ¸Ÿ¸¸ ‰¸¸÷¸¸Ê Ÿ¸Ê
(b) in Other Deposit Accounts 3503 01 00 10558 84 50
(ii) Ÿ¸¸¿Š¸ ‡¨¸¿ ‚¥œ¸ ¬¸»¸›¸¸ œ¸£ œÏ¢÷¸™½¡¸ £¸¢©¸ / Money at call and short notice
(ˆÅ) ¤¸ÿˆÅ¸Ê ˆ½Å œ¸¸¬¸
(a) with banks 7919 93 88 986 04 00
(‰¸) ‚›¡¸ ¬¸¿¬˜¸¸‚¸Ê ˆ½Å œ¸¸¬¸
(b) with other Institutions - -

ˆºÅ¥¸ (i ‚¸¾£ ii) / Total (i and ii ) 11607 02 79 11774 81 47

II ž¸¸£÷¸ ¬¸½ ¤¸¸í£ / Outside India

(i) ¸¸¥¸» ‰¸¸÷¸¸Ê Ÿ¸Ê / in Current Accounts 234 05 31 152 07 44

(ii) ‚›¡¸ ¸Ÿ¸¸ ‰¸¸÷¸¸Ê Ÿ¸Ê / in Other Deposit Accounts 41 70 25 553 58 75

(iii) Ÿ¸¸¿Š¸ ‡¨¸¿ ‚¥œ¸ ¬¸»¸›¸¸ œ¸£ œÏ¢÷¸™½¡¸ £¸¢©¸ / Money at call and short notice 59 14 25 61 09 34

ˆºÅ¥¸ (i, ii ‚¸¾£ iii) / Total (i , ii and iii ) 334 89 81 766 75 53

ˆºÅ¥¸ ¸¸½”õ (I ÷¸˜¸¸ II) / GRAND TOTAL ( I and II) 11941 92 60 12541 57 00

dm{f©H$ [anmoQ>© Annual Report 2023-24 305

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
‚›¸º¬¸»¸ú 8 - ¢›¸¨¸½©¸ / SCHEDULE 8 - INVESTMENTS
(` ‘000 Ÿ¸½¿ / ` in ‘000)

¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

As at As at
March 31, 2024 March 31, 2023
I ž¸¸£÷¸ Ÿ¸Ê ¢›¸Ÿ›¸ Ÿ¸Ê ¢›¸¨¸½©¸ / Investments in India in
(i) ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸¿@ / Government Securities@ 98287 39 33 85961 27 41

(ii) ‚›¡¸ ‚›¸ºŸ¸¸½¢™÷¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ / Other approved securities - -

(iii) ©¸½¡¸£ / Shares 323 53 65 245 03 62

(iv) ¢”¤¸Ê¸£ ‡¨¸¿ ¤¸¸Áµ” / Debentures and Bonds 5771 09 86 6172 88 41

(v) ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‡¿ ‚¸¾£/¡¸¸ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ / Subsidiaries and/or joint ventures 264 85 21 256 22 43

(vi) ‚›¡¸ (¬¸úœ¸ú, Ÿ¡¸»¸º‚¥¸ û¿Å”¸Ê ˆ½Å ¡¸»¢›¸’, ‡¬¸‚¸£, œ¸ú’ú¬¸ú, ¨¸ú¬¸ú‡ûÅ, ¬¸ú”ú)
Others (CPs, Units in MFs, SRs, PTCs, VCFs, CDs) 9872 47 00 6833 77 86
ˆºÅ¥¸ / TOTAL 114519 35 05 99469 19 73
II ž¸¸£÷¸ ¬¸½ ¤¸¸í£ ¢›¸Ÿ›¸ Ÿ¸Ê ¢›¸¨¸½©¸ / Investments outside India in
(i) ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ (¬˜¸¸›¸ú¡¸ œÏ¸¢š¸ˆÅ£µ¸¸Ê ¬¸¢í÷¸)
Government Securities (including local authorities) 414 89 39 220 54 76
(ii) ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‡¿ ‚¸¾£/¡¸¸ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ / Subsidiaries and/or joint ventures - -

(iii) ‚›¡¸ ¢›¸¨¸½©¸ / Other investments - -

ˆºÅ¥¸ / TOTAL 414 89 39 220 54 76

ˆºÅ¥¸ (I ÷¸˜¸¸ II) / TOTAL ( I and II ) 114934 24 44 99689 74 49
III ž¸¸£÷¸ Ÿ¸Ê ¢›¸¨¸½©¸ / Investments in India
¢›¸¨¸½©¸¸½¿ ˆÅ¸ ¬¸ˆÅ¥¸ Ÿ¸»¥¡¸ / Gross value of investments 119817 38 36 104594 96 06

‹¸’¸‡¿À ˆºÅ¥¸ œÏ¸¨¸š¸¸›¸/Ÿ¸»¥¡¸Ý¸¬¸ / Less: Aggregate provision / depreciation 5298 03 31 5125 76 33

¢›¸¨¸¥¸ ¢›¸¨¸½©¸ / Net investments 114519 35 05 99469 19 73

IV ž¸¸£÷¸ ¬¸½ ¤¸¸í£ ¢›¸¨¸½©¸ / Investments Outside India

¢›¸¨¸½©¸¸Ê ˆÅ¸ ¬¸ˆÅ¥¸ Ÿ¸»¥¡¸ / Gross value of investments 414 89 39 220 54 76

‹¸’¸‡¿À ˆºÅ¥¸ œÏ¸¨¸š¸¸›¸/Ÿ¸»¥¡¸Ý¸¬¸ / Less:Aggregate provision / depreciation - -

¢›¸¨¸¥¸ ¢›¸¨¸½©¸ / Net investments 414 89 39 220 54 76

@
ƒ¬¸Ÿ¸Ê Š¸¾£-‡¬¸‡¥¸‚¸£ ‡¸’ú‡Ÿ¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ` 12438 00 00 폸¸£ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 12438 00 00 폸¸£) ˆÅú ž¸¸£÷¸ ¬¸£ˆÅ¸£ ˆÅú ¢¨¸©¸½«¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿
©¸¸¢Ÿ¸¥¸ íÿ.
@
Includes Special GOI Securities of ` 12438 00 00 Thousand (Previous Year ` 12438 00 00 Thousand) classified as Non-SLR-HTM
Securities.

306 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
‚›¸º¬¸»¸ú 9 - ‚¢ŠÏŸ¸ / SCHEDULE 9 - ADVANCES
(` ‘000 Ÿ¸½¿ / ` in ‘000)

¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

As at As at
March 31, 2024 March 31, 2023

‚/A
(i) ‰¸£ú™½ ‚¸¾£ ž¸º›¸¸‡/ œ¸º›¸ž¸ºÄ›¸¸‡ Š¸‡ ¢¤¸¥¸
Bills purchased and discounted/ rediscounted 8898 33 96 6327 23 02
(ii) ›¸ˆÅ™ †µ¸, ‚¸½¨¸£”ï¸É’ ‚¸¾£ Ÿ¸¸¿Š¸ œ¸£ œÏ¢÷¸™½¡¸ †µ¸
Cash credits, overdrafts and loans repayable on demand 38173 89 97 38207 57 22
(iii) Ÿ¸ú¡¸¸™ú †µ¸ / Term loans
@ @ 141548 37 51 118032 92 69
ˆºÅ¥¸ / TOTAL 188620 61 44 162567 72 93

‚¸ / B
(i) Ÿ¸»÷¸Ä ‚¸¦¬÷¸¡¸¸Ê ׸£¸ œÏ¢÷¸ž¸»÷¸@@ / Secured by tangible assets@@ 155621 08 89 139290 68 70
(ii) ¤¸ÿˆÅ/ ¬¸£ˆÅ¸£ú Š¸¸£¿¢’¡¸¸Ê ׸£¸ ¬¸º£¢®¸÷¸@@@
Covered by Bank / Government guarantees@@@ 8706 23 27 7265 58 52
(iii) ‚œÏ¢÷¸ž¸»÷¸ / Unsecured 24293 29 29 16011 45 71
ˆºÅ¥¸ / TOTAL 188620 61 44 162567 72 93

ƒ/C
I ž¸¸£÷¸ Ÿ¸Ê ‚¢ŠÏŸ¸ / Advances in India
(i) œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ œÏ¸œ÷¸ ®¸½°¸ / Priority sector 63537 23 65 56344 33 19
(ii) ¬¸£ˆÅ¸£ú ®¸½°¸ / Public sector 6190 70 06 34 09 86
(iii) ¤¸ÿˆÅ / Banks 1307 34 82 5 35 56
(iv) ‚›¡¸ / Others 108080 97 84 100990 70 84
ˆºÅ¥¸ / TOTAL 179116 26 36 157374 49 45
II ž¸¸£÷¸ ¬¸½ ¤¸¸í£ ‚¢ŠÏŸ¸ / Advances Outside India
(i) ¤¸ÿˆÅ¸Ê ¬¸½ ™½¡¸ / Due from banks - -
(ii) ‚›¡¸ ¬¸½ ™½¡¸ / Due from others: - -

(ˆÅ) ‰¸£ú™½ ÷¸˜¸¸ ž¸º›¸¸‡ Š¸‡ ¢¤¸¥¸

(a) Bills purchased and discounted - -
(‰¸) ¬¸Ÿ¸»¢í÷¸ †µ¸
(b) Syndicated loans - -
(Š¸) ‚›¡¸
(c ) Others 9504 35 08 5193 23 48
ˆºÅ¥¸ / TOTAL 9504 35 08 5193 23 48
ˆºÅ¥¸ ¸¸½”õ (ƒ I ÷¸˜¸¸ ƒ II) / GRAND TOTAL (C I and C II) 188620 61 44 162567 72 93
@
` 6000 00 00 폸¸£ (¢œ¸Ž¥¸½ ¨¸«¸Ä À ©¸»›¡¸ ) ˆ½Å ‚¿÷¸£ ¤¸ÿˆÅ ¬¸íž¸¸¢Š¸÷¸¸ œÏŸ¸¸µ¸œ¸°¸ (¢›¸¨¸¥¸) ©¸¸¢Ÿ¸¥¸ íÿ.
@
Includes Inter Bank Participatory Certificate (Net) ` 6000 00 00 Thousand (Previous Year: Nil )
@@
¤¸íú †µ¸¸Ê œ¸£ ‚¢ŠÏŸ¸ ©¸¸¢Ÿ¸¥¸ íÿ.
@@
Includes advances against book debts
@@@
¤¸ÿˆÅ¸Ê ׸£¸ ¸¸£ú ¬¸¸‰¸ œ¸°¸¸Ê œ¸£ ‚¢ŠÏŸ¸ ©¸¸¢Ÿ¸¥¸ íÿ.
@@@
Includes advances against letter of credit issued by banks.

dm{f©H$ [anmoQ>© Annual Report 2023-24 307

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
‚›¸º¬¸»¸ú 10 - ‚¸¥¸ ‚¸¦¬÷¸¡¸¸¿ / SCHEDULE 10 - FIXED ASSETS
(` ‘000 Ÿ¸½¿ / ` in ‘000)

¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

As at As at
March 31, 2024 March 31, 2023
I œ¸¢£¬¸£ (‚›¸º¬¸»¸ú 18 ¢’œœ¸µ¸ú ‚¸.2 ™½‰¸Ê)
Premises (Refer Schedule 18 Note B.2 )
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening Balance 8966 29 62 8957 43 44

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Additions during the year 336 12 81 8 86 17

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ œ¸º›¸Ÿ¸»Ä¥¡¸›¸ / Revaluation made during the year - -

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿ / Deductions during the year 10 10 -

÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ÷¸ˆÅ Ÿ¸»¥¡¸Ý¸¬¸ / Depreciation to date 597 74 30 283 70 88

ˆºÅ¥¸ / TOTAL 8704 58 03 8682 58 73

II ‚›¡¸ ‚¸¥¸ ‚¸¦¬÷¸¡¸¸¿ (ûÅ›¸úč¸£ ‡¨¸¿ ¢ûÅƬ¸£ ¬¸¢í÷¸)
Other fixed assets (including Furniture & Fixtures)
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ (¥¸¸Š¸÷¸ œ¸£) / Opening Balance (at cost) 2529 32 38 2367 46 46

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Additions during the year 371 63 97 229 86 02

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿ / Deductions during the year 64 32 59 68 00 09

÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ÷¸ˆÅ Ÿ¸»¥¡¸Ý¸¬¸ / Depreciation to date 2128 06 18 1932 44 09

ˆºÅ¥¸ / TOTAL 708 57 58 596 88 30

III œ¸Ø½ œ¸£ ™ú Š¸ƒô ‚¸¢¬÷¸¡¸¸¿ / Assets given on Lease
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ (¥¸¸Š¸÷¸ œ¸£) / Opening Balance (at cost) 601 81 79 601 81 79

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Additions during the year - -

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿ / Deductions during the year - -

÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ÷¸ˆÅ Ÿ¸»¥¡¸Ý¸¬¸ / Depreciation to date 600 05 27 600 05 27

‚›¸¸ÄˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ / Provision for Non Performing assets 1 76 52 1 76 52

ˆºÅ¥¸ / TOTAL - -
IV ¸¸¥¸» œ¸»¿¸úŠ¸÷¸ ˆÅ¸¡¸Ä / Capital Work-in-Progress 106 75 94 477 39 52

ˆºÅ¥¸ ¡¸¸½Š¸ (I ¬¸½ IV) / GRAND TOTAL ( I to IV ) 9519 91 55 9756 86 55

308 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
‚›¸º¬¸»¸ú 11 - ‚›¡¸ ‚¸¦¬÷¸¡¸¸¿ / SCHEDULE 11 - OTHER ASSETS
(` ‘000 Ÿ¸½¿ / ` in ‘000)

¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

As at As at
March 31, 2024 March 31, 2023
I ‚¿÷¸£ ˆÅ¸¡¸¸Ä¥¸¡¸ ¬¸Ÿ¸¸¡¸¸½¸›¸ (¢›¸¨¸¥¸) / Inter office adjustments (net) - -

II „œ¸¢¸÷¸ ¤¡¸¸¸ / Interest accrued 3061 67 74 2825 79 19

III ‚¢ŠÏŸ¸ ˆÅ£ ž¸ºŠ¸÷¸¸›¸/踸½÷¸ œ¸£ ˆÅ£ ˆÅú ˆÅ’¸¾÷¸ú (¢›¸¨¸¥¸)

Tax paid in advance /tax deducted at source (net) 2808 09 95 2527 58 55
IV ¬’½©¸›¸£ú ‡¨¸¿ ¬’¸¿œ¸ / Stationery and stamps 1 18 04 15 79

V ™¸¨¸¸Ê ˆÅú ÷¸º¦«’ Ÿ¸Ê œÏ¸œ÷¸ Š¸¾£-¤¸ÿ¢ˆ¿ÅŠ¸ ‚¸¦¬÷¸¡¸¸¿ (¥¸¸Š¸÷¸ œ¸£)

Non Banking Assets acquired in satisfaction of claims (at cost) 736 90 93 736 90 93
VI ‚›¡¸ / Others
(ˆÅ) ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ (¢›¸¨¸¥¸)
(a) Deferred Tax Asset (net) 8959 66 48 11520 97 99

(‰¸) ‚¸¤¸¿’›¸ ˆ½Å ¢¥¸‡ ¥¸¿¢¤¸÷¸ ©¸½¡¸£/¤¸¸Áµ”

(b) Shares / Bonds Pending allotment - 11 51 37

(Š¸) ¢¨¸¢¨¸š¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ ¨¸ ‚¢ŠÏŸ¸

(c) Sundry deposit and advances 649 77 75 627 31 04

(‹¸) œÏ¸œ¡¸ ™¸¨¸½

(d) Claims receivable 212 61 28 215 06 46

(Œ) ¢¨¸¢¨¸š¸@
(e) Miscellaneous@ 7752 88 64 10841 76 50

ˆºÅ¥¸ (I ¬¸½ VI) / TOTAL ( I to VI ) 24182 80 81 29307 07 82

@
œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ œÏ¸œ÷¸ ®¸½°¸ ¸Ÿ¸¸ ` 5916 86 69 폸¸£ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 8353 02 02 폸¸£) Ÿ¸Ê ¢›¸¨¸½©¸ ©¸¸¢Ÿ¸¥¸ í¾.
@
Includes Investment in Priority sector deposit ` 5916 86 69 Thousand (Previous Year ` 8353 02 02 Thousand)

dm{f©H$ [anmoQ>© Annual Report 2023-24 309

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
‚›¸º¬¸»¸ú 12 - ‚¸ˆÅ¢¬Ÿ¸ˆÅ ™½¡¸÷¸¸‡¿ / SCHEDULE 12 - CONTINGENT LIABILITIES
(` ‘000 Ÿ¸½¿ / ` in ‘000)

¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

As at As at
March 31, 2024 March 31, 2023
I ¤¸ÿˆÅ ˆ½Å ¢¨¸² Ö ™¸¨¸½ ¢¸›íÊ †µ¸ ›¸íú¿ Ÿ¸¸›¸¸ Š¸¡¸¸
Claims against the Bank not acknowledged as debts 243 85 04 134 87 93
II ‚¸¿¢©¸ˆÅ ³Åœ¸ ¬¸½ œÏ™î¸ ¢›¸¨¸½©¸¸Ê ˆ½Å ¢¥¸‡ ™½¡¸÷¸¸
Liability for partly paid investments 74 83 74 83
III ¤¸ˆÅ¸¡¸¸ ¨¸¸¡¸™¸ ¢¨¸¢›¸Ÿ¸¡¸ ¬¸¿¢¨¸™¸‚¸½¿ ˆ½Å ˆÅ¸£µ¸ ™½¡¸÷¸¸
Liability on account of outstanding forward exchange contracts 70750 33 56 106053 17 96
IV ŠÏ¸íˆÅ¸Ê ˆÅú ‚¸½£ ¬¸½ ™ú Š¸ƒÄ Š¸¸£¿¢’¡¸¸¿
Guarantees given on behalf of constituents
(ˆÅ) - ž¸¸£÷¸ Ÿ¸Ê
(a) - in India 43349 40 02 40159 13 61
(‰¸) - ž¸¸£÷¸ ¬¸½ ¤¸¸í£
(b) - outside India 445 42 50 846 73 85
V ¬¨¸úˆ¼Å¢÷¸¡¸¸¿, œ¸¼«“¸¿ˆÅ›¸ ‚¸¾£ ‚›¡¸ ™¸¢¡¸÷¨¸
Acceptances, endorsements and other obligations 15778 19 98 16021 57 25
VI ‚›¡¸ Ÿ¸™½¿ ¢¸›¸ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ‚¸ˆÅ¢¬Ÿ¸ˆÅ ³Åœ¸ ¬¸½ ¢¸ŸŸ¸½™¸£ í¾
Other items for which the Bank is contingently liable
(ˆÅ) ¤¡¸¸¸ ™£ ‚¸¾£ Ÿ¸ºÍ¸ ¬¨¸¾œ¸ ¨¸ †µ¸ ¸»ˆÅ ¬¨¸¾œ¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ™½¡¸÷¸¸
(a) Liability in respect of interest rate and currency swaps and credit default 61482 77 48 7872 09 40
swaps
(‰¸) ‚›¡¸ ”½¢£¨¸½¢’¨¸ ¬¸¿¢¨¸™¸‚¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ™½¡¸÷¸¸
(b) Liability in respect of other Derivative contracts 3105 84 63 2808 58 62
(Š¸) ¢¨¸¨¸¸¢™÷¸ ˆÅ£, ¤¡¸¸¸ ˆÅ£, ™¿” ‚¸¾£ ¤¡¸¸¸ Ÿ¸¸¿Š¸ ˆ½Å ˆÅ¸£µ¸
(c) On account of disputed taxes, Interest tax, penalty and interest demands 836 97 07 2362 15 77
(‹¸) ‚›¡¸
(d) Others 1035 14 55 641 59 48
ˆºÅ¥¸ (I ¬¸½ VI) / TOTAL ( I to VI) 197028 69 66 176900 68 70

‚›¸º¬¸»¸ú 13 - ‚¢¸Ä÷¸ ¤¡¸¸¸ / SCHEDULE 13 - INTEREST EARNED

(` ‘000 Ÿ¸½¿ / ` in ‘000)

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Year Ended Year Ended
March 31, 2024 March 31, 2023
I ‚¢ŠÏŸ¸¸Ê/¢¤¸¥¸¸Ê œ¸£ ¤¡¸¸¸/¤¸’Ã’¸ / Interest/discount on advances/bills 17970 67 21 13336 62 63

II ¢›¸¨¸½©¸¸Ê ¬¸½ ‚¸¡¸ / Income on investments 7737 60 95 5948 95 46

III ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ¸Ÿ¸¸ ©¸½«¸ ÷¸˜¸¸ ‚›¡¸ ‚¿÷¸£ ¤¸ÿˆÅ ¢›¸¢š¸¡¸¸Ê œ¸£ ¤¡¸¸¸ 339 85 28 517 96 94
Interest on balances with RBI and other inter-bank funds
IV ‚›¡¸ / Others 377 99 96 766 23 36

ˆºÅ¥¸ (I ¬¸½ IV) / TOTAL ( I to IV ) 26426 13 40 20569 78 39

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{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
‚›¸º¬¸»¸ú 14 - ‚›¡¸ ‚¸¡¸ / SCHEDULE 14 - OTHER INCOME
(` ‘000 Ÿ¸½¿ / ` in ‘000)

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Year Ended Year Ended
March 31, 2024 March 31, 2023
I ˆÅŸ¸ú©¸›¸, ¢¨¸¢›¸Ÿ¸¡¸ ‚¸¾£ ™¥¸¸¥¸ú
Commission, exchange and brokerage 1945 62 45 1924 11 09
II ¢›¸¨¸½©¸¸Ê ˆÅú ¢¤¸ÇÅú ¬¸½ ¥¸¸ž¸/ (í¸¢›¸) (¢›¸¨¸¥¸)
Profit/(Loss) on sale of investments (net) 707 58 13 872 61 82
III ¢›¸¨¸½©¸¸½¿ ˆ½Å œ¸»›¸Ÿ¸Ä»¥¡¸›¸ ¬¸½ ¥¸¸ž¸/ (í¸¢›¸) (¢›¸¨¸¥¸)
Profit/(Loss) on revaluation of investments (net) 11 26 99 50 87 71
IV ž¸»¢Ÿ¸, ž¸¨¸›¸ ‚¸¾£ ‚›¡¸ ‚¸¢¬÷¸¡¸¸½¿ ˆÅú ¢¤¸ÇÅú ¬¸½ ¥¸¸ž¸/ (í¸¢›¸) (¢›¸¨¸¥¸)
Profit/(Loss) on sale of land, buildings and other assets (net) ( 71 49) (1 83 57)
V ¢¨¸¢›¸Ÿ¸¡¸ ¥¸½›¸™½›¸¸½¿ / ”½¢£¨¸½¢’¨¸ ¬¸½ ¥¸¸ž¸/ (í¸¢›¸) (¢›¸¨¸¥¸)
Profit/(Loss) on exchange transactions / Derivatives (net) 353 64 28 615 71 82
VI ž¸¸£÷¸ Ÿ¸Ê ¦¬˜¸÷¸ ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸¢›¸¡¸¸Ê ‚¸¾£ / ¡¸¸ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸¸Ê ¬¸½ ¥¸¸ž¸¸¿©¸ ‚¸¡¸
Dividend income from subsidiary companies and / or joint ventures in India 17 91 29 34 93 16
VII ¤¸’Ã’½ ‰¸¸÷¸½ ”¸¥¸½ Š¸‡ Ÿ¸¸Ÿ¸¥¸¸Ê ¬¸½ ¨¸¬¸»¥¸ú / Recovery from written off cases 508 24 94 716 03 63

VIII ¢¨¸¢¨¸š¸ ‚¸¡¸ / Miscellaneous Income 67 34 11 159 52 71

ˆºÅ¥¸ (I ¬¸½ VIII) / TOTAL ( I to VIII ) 3610 90 70 4371 98 37

‚›¸º¬¸»¸ú 15 - ¨¡¸¡¸Š¸÷¸ ¤¡¸¸¸ / SCHEDULE 15 - INTEREST EXPENDED

(` ‘000 Ÿ¸½¿ / ` in ‘000)

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Year Ended Year Ended
March 31, 2024 March 31, 2023
I ¸Ÿ¸¸£¸¢©¸¡¸¸Ê œ¸£ ¤¡¸¸¸ / Interest on deposits 10601 31 69 7828 19 08

II ¢£{¸¨¸Ä ¤¸ÿˆÅ / ‚¿÷¸£-¤¸ÿˆÅ „š¸¸£ £¸¢©¸¡¸¸Ê œ¸£ ¤¡¸¸¸ / Interest on RBI / inter bank borrowings 905 35 96 438 09 71

III ‚›¡¸ / Others 733 01 84 872 94 37

ˆºÅ¥¸ (I ¬¸½ III) / TOTAL (I to III) 12239 69 49 9139 23 16

dm{f©H$ [anmoQ>© Annual Report 2023-24 311

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
‚›¸º¬¸»¸ú 16 - œ¸¢£¸¸¥¸›¸ ¨¡¸¡¸ / SCHEDULE 16 - OPERATING EXPENSES
(` ‘000 Ÿ¸½¿ / ` in ‘000)

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Year Ended Year Ended
March 31, 2024 March 31, 2023

I ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ ž¸ºŠ¸÷¸¸›¸ ‚¸¾£ „›¸ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ / Payments to and provisions for employees 4233 96 10 3518 89 77

II ¢ˆÅ£¸¡¸¸, ˆÅ£ ‚¸¾£ ¢¤¸¸¥¸ú / Rent, taxes and lighting 535 15 45 499 42 07

III ¢œÏ¢’¿Š¸ ‚¸¾£ ¬’½©¸›¸£ú / Printing and stationery 43 53 00 47 10 75

IV ¢¨¸±¸¸œ¸›¸ ‚¸¾£ œÏ¸¸£ / Advertisement and publicity 46 93 97 40 24 23

V ¤¸ÿˆÅ ˆÅú ¬¸¿œ¸¢î¸ œ¸£ Ÿ¸»¥¡¸Ý¸¬¸ / Depreciation on bank's property 536 41 74 494 43 70

VI ¢›¸™½©¸ˆÅ¸Ê ˆÅú ûÅú¬¸, ž¸î¸½ ‚¸¾£ ¨¡¸¡¸ / Director's fees, allowances and expenses 2 97 44 2 73 26

VII ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê ˆÅú ûÅú¬¸ ‚¸¾£ ¨¡¸¡¸ / Auditor's fees and expenses 2 93 67 2 64 06

VIII ¢¨¸¢š¸ œÏž¸¸£ / Law charges 31 21 82 27 23 48

IX ”¸ˆÅ ‰¸¸Ä, ’½¥¸úŠÏ¸Ÿ¸, ’½¥¸úûŸ½›¸ ‚¸¢™ / Postage, telegrams, telephones etc. 126 22 42 117 24 24

X Ÿ¸£ŸŸ¸÷¸ ‚¸¾£ £‰¸£‰¸¸¨¸ / Repairs and maintenance 125 75 77 94 25 43

XI ¤¸úŸ¸¸ / Insurance 302 76 22 296 55 56

XII ‚›¡¸ ¨¡¸¡¸À / Other Expenditure:

(ˆÅ) ¤¸ÿ¢ˆ¿ÅŠ¸ ¨¡¸¡¸

(a) Banking expenses 204 05 05 182 19 55

(‰¸) ˆÅ¸”Ä ‡¨¸¿ ‡’ú‡Ÿ¸ ¨¡¸¡¸

(b) Card & ATM expenses 333 40 58 323 74 40

(Š¸) œ¸£¸Ÿ¸©¸Ä ¨¡¸¡¸

(c) Consultancy expenses 14 37 25 7 10 99

(‹¸) ¤¸’Ã’½ ‰¸¸÷¸½ ”¸¥¸½ Š¸¡¸½ Ÿ¸¸Ÿ¸¥¸¸Ê ¬¸½ ¨¸¬¸»¥¸ú ¨¡¸¡¸

(d) Expenses for recovery of write off cases 9 43 27 8 68 46

(Œ) ‚¸„’¬¸¸½¢¬¸ôŠ¸ ¨¡¸¡¸

(e) Outsourcing expenses 705 49 62 655 08 86

(¸) ‚¸ƒÄ’ú ¨¡¸¡¸

(f) IT expenses 194 33 92 173 56 83

(Ž) ¬’¸ûÅ œÏ¢©¸®¸µ¸ ‡¨¸¿ ‚›¡¸ ¨¡¸¡¸

(g) Staff training & other expenses 20 48 38 13 84 21

312 Friendship That

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{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
(` ‘000 Ÿ¸½¿ / ` in ‘000)

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Year Ended Year Ended
March 31, 2024 March 31, 2023

(¸) ¡¸¸°¸¸ ‚¸¾£ ¨¸¸í›¸ œÏž¸¸£

(h) Travelling and conveyance charges 36 43 19 36 29 76

(¸) ’ｏ¸£ú ¨¡¸¡¸

(i) Treasury expenses 5 06 33 6 24 96

(‘¸) „š¸¸£ú ˆ½Å ¢¥¸‡ ûÅú¬¸ ÷¸˜¸¸ ‚›¡¸ ¨¡¸¡¸

(j) Fee and other expenses for borrowing - -

(’) ‚›¡¸ ¨¡¸¡¸

(k) Others 694 34 43 519 15 43

ˆºÅ¥¸ (I ¬¸½ XII) / TOTAL ( I to XII ) 8205 29 62 7066 70 00

dm{f©H$ [anmoQ>© Annual Report 2023-24 313

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
‚›¸º¬¸»¸ú 17 - Ÿ¸í÷¨¸œ¸»µ¸Ä ¥¸½‰¸¸ ›¸ú¢÷¸¡¸¸¿
SCHEDULE 17 - SIGNIFICANT ACCOUNTING POLICIES
¤¸ÿˆÅ ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸½¿ ˆÅ¸½ ÷¸¾¡¸¸£ ˆÅ£›¸½ ‚¸¾£ œÏ¬÷¸º÷¸ ˆÅ£›¸½ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ Ÿ¸í÷¨¸œ¸»µ¸Ä ¥¸½‰¸¸¿ˆÅ›¸ ›¸ú¢÷¸¡¸¸¿ ‚˜¸¸Ä÷¸Ã ¢¨¸¢©¸«’ ¥¸½‰¸¸¿ˆÅ›¸ ›¸ú¢÷¸¡¸¸¿ ‚¸¾£ ƒ›¸ ¢¬¸Ö¸¿÷¸¸½¿ ˆÅ¸½ ¥¸¸Š¸» ˆÅ£›¸½ ˆ½Å ÷¸£úˆ½Å
¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿ.
Following are the significant accounting policies i.e., the specific accounting policies and methods of applying these principles in the preparation
and presentation of the financial statements of the Bank.

1. œ¸¼«“ž¸»¢Ÿ¸ / Background:
Ÿ¸º¿¤¸ƒÄ, ž¸¸£÷¸ Ÿ¸Ê ¢›¸Š¸¢Ÿ¸÷¸ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” (`‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ' ¡¸¸ `¤¸ÿˆÅ') ‡ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ ˆ¿Åœ¸›¸ú í¾ ¸¸½ ‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸, ˜¸¸½ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ ‚¸¾£ ’ｏ¸£ú œ¸¢£¸¸¥¸›¸ ¬¸¢í÷¸
ˆÅƒÄ œÏˆÅ¸£ ˆÅú ¤¸ÿ¢ˆ¿ÅŠ¸ ‚¸¾£ ¢¨¸î¸ú¡¸ ¬¸½¨¸¸‡Â œÏ™¸›¸ ˆÅ£÷¸ú í¾. ¤¸ÿˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ ¢¨¸¢›¸¡¸Ÿ¸›¸ ‚¢š¸¢›¸¡¸Ÿ¸, 1949 ‚¸¾£ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ׸£¸ ‚¢š¸©¸¸¢¬¸÷¸ í¸½÷¸¸ í¾. ¤¸ÿˆÅ ˆÅú
‚œ¸÷¸’ú¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ƒˆÅ¸ƒÄ ‚¿÷¸£¸Ä«’ïú¡¸ ¢¨¸î¸ú¡¸ ¬¸½¨¸¸ ˆÊÅÍ (‚¸ƒÄ‡ûöҬ¸¬¸ú), ¢Š¸É’ ¢¬¸’ú, ž¸¸£÷¸ Ÿ¸Ê ¦¬˜¸÷¸ í¾. ¤¸ÿˆÅ ¢¨¸¢¨¸š¸ ¢¨¸î¸ú¡¸ ¬¸½¨¸¸‡Â œÏ™¸›¸ ˆÅ£›¸½ ¨¸¸¥¸ú ‡ˆÅ ¬¸¿¬˜¸¸ í¾ ¸¸½
œ¸»£½ ž¸¸£÷¸ Ÿ¸Ê ˆÅ¸Á£œ¸¸½£½’ ‚¸¾£ ‰¸º™£¸ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ¢¨¸¢ž¸››¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ‚¸¾£ ¢¨¸î¸ú¡¸ ¬¸½¨¸¸‡ œÏ™¸›¸ ˆÅ£÷¸ú í¾. ¤¸ÿˆÅ ‚œ¸›¸½ 2,004 ©¸¸‰¸¸‚¸Ê, 3,303 ‡’ú‡Ÿ¸ ‚¸¾£ 58 ƒÄ-¥¸¸„¿¸ ˆ½Å
›¸½’¨¸ˆÄÅ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ œ¸»£½ ž¸¸£÷¸ Ÿ¸Ê ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ¢¨¸¢ž¸››¸ œÏˆÅ¸£ ˆÅú ¬¸½¨¸¸‡¿ œÏ™¸›¸ ˆÅ£÷¸¸ í¾.
IDBI Bank Limited (‘IDBI Bank’ or ‘the Bank’), incorporated in Mumbai, India is a banking company engaged in providing a range
of banking and financial services including retail banking, wholesale banking and treasury operations. The Bank is governed by the
Banking Regulation Act, 1949 and the Companies Act, 2013. The Bank has Offshore Banking Unit at International Financial Service
Centre (IFSC), GIFT City, India. The Bank is a diversified financial services entity offering a wide range of banking and financial services
to corporate and retail customers throughout India. The Bank provides a wide array of services to its customers across India through
its network of 2,004 branches, 3,303 ATMs and 58 e-lounges.

2. ÷¸¾¡¸¸£ ˆÅ£›¸½ ˆÅ¸ ‚¸š¸¸£ / Basis of Preparation:

¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¢¨¸¢›¸¡¸Ÿ¸›¸ ‚¢š¸¢›¸¡¸Ÿ¸, 1949 ˆÅú ÷¸ú¬¸£ú ‚›¸º¬¸»¸ú ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢›¸š¸¸Ä¢£÷¸ ‚œ¸½®¸¸‚¸Ê ˆ½Å ‚›¸º¬¸¸£ ÷¸¾¡¸¸£ ¢ˆÅ‡ Š¸‡ íÿ. ƒ›¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅ¸½ ÷¸¾¡¸¸£
ˆÅ£›¸½ Ÿ¸Ê œÏ¡¸ºÆ÷¸ ¥¸½‰¸¸¿ˆÅ›¸ ›¸ú¢÷¸¡¸¸¿ ¬¸ž¸ú Ÿ¸í÷¨¸œ¸»µ¸Ä œ¸í¥¸º‚¸Ê Ÿ¸Ê ž¸¸£÷¸ Ÿ¸Ê ¬¸¸Ÿ¸¸›¡¸÷¸À ¬¨¸úˆ¼Å÷¸ ¥¸½‰¸¸¿ˆÅ›¸ ¢¬¸Ö¸¿÷¸¸Ê (ž¸¸£÷¸ú¡¸ ¸ú‡‡œ¸ú), ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ (¢£{¸¨¸Ä ¤¸ÿˆÅ)
׸£¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ¸¸£ú ¢™©¸¸¢›¸™½Ä©¸¸Ê, ˆ¿Åœ¸›¸ú (¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ) ¢›¸¡¸Ÿ¸, 2021 ¬¸¢í÷¸ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 (`‚¢š¸¢›¸¡¸Ÿ¸') ˆÅú š¸¸£¸ 133 ‚¸¾£ ƒ¬¸ˆ½Å ‚¿÷¸Š¸Ä÷¸
¤¸›¸¸¡¸½ Š¸¡¸½ ¢›¸¡¸Ÿ¸¸Ê ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ ž¸¸£÷¸ú¡¸ ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£ ¬¸¿¬˜¸¸›¸ (‚¸ƒÄ¬¸ú‡‚¸ƒÄ) ׸£¸ ¸¸£ú ¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ, ¸í¸¿ ÷¸ˆÅ ¨¸½ ¤¸ÿˆÅ¸Ê œ¸£ ¥¸¸Š¸» í¸½÷¸½ íÿ, ‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å œÏ¸¨¸š¸¸›¸¸½¿
‚¸¾£ ž¸¸£÷¸ Ÿ¸Ê ¤¸ÿ¢ˆ¿ÅŠ¸ „Ô¸¸½Š¸ Ÿ¸Ê ¬¸¸Ÿ¸¸›¡¸÷¸À œÏ¸¢¥¸÷¸ œ¸¢Ö¢÷¸¡¸¸Ê ˆ½Å ‚›¸º³œ¸ íÿ. ¤¸ÿˆÅ ¥¸½‰¸¸¿ˆÅ›¸ ˆÅú „œ¸¸¡¸ œ¸Ö¢÷¸ ÷¸˜¸¸ œ¸£¿œ¸£¸Š¸÷¸ ¥¸¸Š¸÷¸ œ¸Ö¢÷¸, ¸í¸¿ ‚›¡¸˜¸¸ „¦¥¥¸¢‰¸÷¸
¢ˆÅ¡¸¸ Š¸¡¸¸ í¸½ ˆÅ¸½ Ž¸½”õˆÅ£, ˆÅ¸ ‚›¸º¬¸£µ¸ ˆÅ£÷¸¸ í¾.
The financial statements have been prepared in accordance with requirements prescribed under the Third Schedule of the
Banking Regulation Act, 1949. The accounting policies used in the preparation of these financial statements, in all material
aspects, conform to Generally Accepted Accounting Principles in India (Indian GAAP), the guidelines issued by the Reserve Bank
of India (RBI) from time to time, the Accounting Standards (AS) issued by The Institute of Chartered Accountants of India (ICAI)
prescribed under Section 133 of Companies Act, 2013 (‘Act’) read with rules thereunder including the Companies (Accounting
Standards) Rules, 2021, in so far as they apply to banks, provisions of the Act and practices generally prevalent in the banking
industry in India. The Bank follows the accrual method of accounting and historical cost convention, except where otherwise
stated.

¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅ¸½ ÷¸¾¡¸¸£ ˆÅ£›¸½ Ÿ¸Ê ‚œ¸›¸¸ƒÄ Š¸ƒÄ ¥¸½‰¸¸¿ˆÅ›¸ ›¸ú¢÷¸¡¸¸¿, ¸í¸¿ ‚›¡¸˜¸¸ „¦¥¥¸¢‰¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ˆÅ¸½ Ž¸½”õˆÅ£, ¢œ¸Ž¥¸½ ¨¸«¸Ä ‚œ¸›¸¸ƒÄ Š¸ƒÄ ›¸ú¢÷¸¡¸¸Ê ˆ½Å ‚›¸º³ œ¸ íÿ.
The accounting policies adopted in the preparation of financial statements are consistent with those followed in the previous year
except as otherwise stated.

3. ‚›¸ºŸ¸¸›¸¸Ê ˆÅ¸ „œ¸¡¸¸½Š¸ / Use of Estimates

¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅ¸½ ÷¸¾¡¸¸£ ˆÅ£›¸½ í½÷¸º œÏ¤¸¿š¸›¸ ˆ½Å ¢¥¸‡ ¡¸í ¸³£ú í¾ ¢ˆÅ ¨¸í ‡½¬¸½ ‚›¸ºŸ¸¸›¸ ¨¸ š¸¸£µ¸¸‡¿ ¤¸›¸¸‡ ¸¸½ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ™©¸¸Ä¡¸ú Š¸ƒÄ ‚¸¦¬÷¸¡¸¸Ê,
™½¡¸÷¸¸‚¸Ê, ¨¡¸¡¸¸Ê, ‚¸¡¸ £¸¢©¸¡¸¸Ê ‚¸¾£ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‚¸Ê ˆ½Å œÏˆÅ’úˆÅ£µ¸ ˆÅ¸½ œÏž¸¸¢¨¸÷¸ ˆÅ£÷¸ú íÿ. œÏ¤¸¿š¸›¸ ˆÅ¸½ ¢¨¸æ¸¸¬¸ í¾ ¢ˆÅ ¡¸½ ‚›¸ºŸ¸¸›¸ ‚¸¾£ š¸¸£µ¸¸‡¿ ÷¸ˆÄŬ¸¿Š¸÷¸ ÷¸˜¸¸
¢¨¸¨¸½ˆÅœ¸»µ¸Ä íÿ. ÷¸˜¸¸¢œ¸ ¨¸¸¬÷¸¢¨¸ˆÅ œ¸¢£µ¸¸Ÿ¸ ‚›¸ºŸ¸¸›¸¸Ê ¬¸½ ‚¥¸Š¸ í¸½ ¬¸ˆÅ÷¸½ íÿ. ¥¸½‰¸¸ ‚›¸ºŸ¸¸›¸¸Ê Ÿ¸Ê ¢ˆÅ¬¸ú ÷¸£í ˆ½Å ¬¸¿©¸¸½š¸›¸ ˆÅ¸½ ¸¸¥¸» ÷¸˜¸¸ ž¸¸¨¸ú ‚¨¸¢š¸¡¸¸Ê Ÿ¸Ê ž¸¢¨¸«¡¸¥¸®¸ú œÏž¸¸¨¸
¬¸½ ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾.
The preparation of financial statements requires the management to make estimates and assumptions that may affect the
reported amount of assets, liabilities, expenses, income and disclosure of contingent liabilities as at the date of the financial
statements. Management believes that these estimates and assumptions are reasonable and prudent. However, actual
results could differ from estimates. Any revision to accounting estimates is recognized prospectively in current and future
periods.

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Schedules to the Financial Statements
4. £¸¸¬¨¸ ¢›¸š¸¸Ä£µ¸ / Revenue Recognition
£¸¸¬¨¸ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ƒ¬¸ ‚¢š¸¬¸¿ž¸¸¨¡¸ ¬¸úŸ¸¸ ˆ½Å ÷¸í÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢ˆÅ ¤¸ÿˆÅ ˆÅ¸½ ‚¸¢˜¸ÄˆÅ ¥¸¸ž¸ ¢Ÿ¸¥¸½Š¸¸ ÷¸˜¸¸ £¸¸¬¨¸ ˆÅ¸ ¢¨¸æ¸¬¸›¸ú¡¸ ³Åœ¸ ¬¸½ ‚¸ˆÅ¥¸›¸ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾.
Revenue is recognized to the extent it is probable that the economic benefits will flow to the Bank and the revenue can be reliably
measured.

i. ¤¡¸¸¸ ‚¸¡¸ ˆÅú Š¸µ¸›¸¸ „œ¸¸¡¸ ‚¸š¸¸£ œ¸£ ˆÅú ¸¸÷¸ú í¾, ¢¬¸¨¸¸¡¸ ‚›¸¸ÄˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ¸í¸¿ ƒ¬¸½ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢¨¸¨¸½ˆÅœ¸»µ¸Ä Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚›¸º¬¸¸£ ¨¸¬¸»¥¸ú ˆ½Å
¤¸¸™ ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾.
Interest income is recognized on accrual basis except in the case of non-performing assets where it is recognized upon realization
as per the prudential norms of the RBI.

ii. ¬¸¸‰¸ œ¸°¸ (‡¥¸¬¸ú) /¤¸ÿˆÅ Š¸¸£¿’ú (¤¸ú¸ú) œ¸£ ˆÅŸ¸ú©¸›¸ ¬¸¸‰¸ œ¸°¸/ ¤¸ÿˆÅ Š¸¸£¿’ú ˆÅú ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ „œ¸¢¸÷¸ í¸½÷¸¸ í¾.
Commissions on Letter of Credit (LC)/ Bank Guarantee (BG) are accrued over the period of LC/ BG.

iii. ©¸º¥ˆÅ ‚¸¾£ ˆÅŸ¸ú©¸›¸ ‚¸¡¸ ÷¸¤¸ ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ‡ ¸¸÷¸½ íÿ ¸¤¸ ™½¡¸ í¸½ ‚¸¾£ ¨¸¬¸»¥¸ú ˆÅ¸ ¡¸˜¸¸½¢¸÷¸ ‚¢š¸ˆÅ¸£ ¢¬¸Ö í¸½ ¸¸÷¸¸ í¾ ÷¸˜¸¸ ƒ¬¸½ ¢¨¸æ¸¬¸›¸ú¡¸ ³Åœ¸ ¬¸½ ‚¸¿ˆÅ¸ ¸¸
¬¸ˆ½Å. ¸¤¸ Ÿ¸í÷¨¸œ¸»µ¸Ä ˆÅ¸¡¸Ä / Ÿ¸¸ƒÄ¥¸¬’¸½›¸ œ¸»£¸ í¸½ ¸¸÷¸¸ í¾ ÷¸¤¸ ¬¸Ÿ¸»í›¸/ ¨¡¸¨¸¬˜¸¸œ¸ˆÅ ©¸º¥ˆÅ ˆÅ¸½ ‚¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾.
Fees and commission income is recognized as income when due and reasonable right of recovery is established and can be
reliably measured. Syndication / Arranger fee is recognized as income when a significant act / milestone is completed.

iv. ¤¸’Ã’¸ˆ¼Å÷¸ ¢¥¸‰¸÷¸¸Ê œ¸£ ‚¸¡¸ ˆÅ¸½ ¢›¸£¿÷¸£ œÏ¢÷¸ûÅ¥¸ ‚¸š¸¸£ œ¸£ ¢¥¸‰¸÷¸ ˆÅú ‚¨¸¢š¸ Ÿ¸Ê ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Income on discounted instruments is recognized over the tenure of the instrument on a constant yield basis.

v. ¥¸¸ž¸¸¿©¸ œÏ¸¦œ÷¸ ˆÅ¸ ‚¢š¸ˆÅ¸£ ¢¬¸Ö í¸½ ¸¸›¸½ œ¸£ „¬¸½ „œ¸¸¡¸ ‚¸š¸¸£ œ¸£ ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾.
Dividend is booked on accrual basis when the right to receive is established.

vi. ‚›¸¸ÄˆÅ ‚¢ŠÏŸ¸¸Ê (‡›¸œ¸ú‡)/÷¸ˆÅ›¸úˆÅú ³Åœ¸ ¬¸½ ¤¸’Ã’½ ‰¸¸÷¸½ ”¸¥¸½ Š¸¡¸½ (’ú”¤¥¸¡¸º‚¸½) ‰¸¸÷¸¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ¨¸¬¸»¥¸ú ˆÅ¸ ¢¨¸¢›¸¡¸¸½¸›¸ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ¿Š¸ ¬¸½ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾À
The appropriation of recoveries in case of Non-Performing Advances (NPA)/ Technically Written-off (TWO) accounts is done in
the following manner:

ˆÅ. ‡›¸¬¸ú‡¥¸’ú/ ¢¨¸¨¸¸¸›¸ ¡¸¸ ˆÅ¸›¸»›¸ú ˆÅ¸¡¸Ä¨¸¸íú ˆ½Å ‚š¸ú›¸ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ¨¸¬¸»¥¸ú ‡›¸¬¸ú‡¥¸’ú/ ¢¨¸¨¸¸¸ˆÅ/ ›¡¸¸¡¸¸¥¸¡¸ ׸£¸ ¢™‡ Š¸‡ ¬¸¿¤¸Ö ‚¸™½©¸
‚¸¾£ ¢¨¸¢©¸«’ Ÿ¸¸Ÿ¸¥¸½ ¡¸¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆ½Å ¬¸Ÿ¸»í ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¬¸¸¿¢¨¸¢š¸ˆÅ/¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¢›¸™½Ä©¸¸Ê, ¡¸¢™ ˆÅ¸½ƒÄ í¸Ê, ˆ½Å ‚›¸º¬¸¸£ ¢¨¸¢›¸¡¸¸½¢¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
a. In respect of borrowers under NCLT/Arbitration or Legal Proceedings, the recovery is apportioned in terms of relevant
order of NCLT/ Arbitrator/ Court of Law and in accordance with statutory /regulatory directives if any issued in respect of
a specific case or group of cases.

‰¸. „›¸ Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê ¸í¸¿ ¨¸¬¸»¥¸ú ˆ½Å ˆÅ¸£µ¸ †µ¸ ‰¸¸÷¸½ ˆ½Å ¤¸¿™ í¸½›¸½ (†µ¸ ‰¸¸÷¸¸Ê ˆ½Å Š¸¸£¿’úˆÅ÷¸¸Ä‚¸Ê/ ‚›¡¸ œ¸®¸ˆÅ¸£¸Ê, ¡¸¢™ ˆÅ¸½ƒÄ í¸Ê, ¬¸¢í÷¸ „š¸¸£™¸÷¸¸/ „š¸¸£ˆÅ÷¸¸Ä
ˆÅ¸ ¬¸¿¤¸¿š¸ ¢¨¸Ž½™ í¸½›¸½) [‡ˆÅ Ÿ¸º©÷¸ ¢›¸œ¸’¸›¸/ ¤¸¸÷¸¸ú÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢›¸œ¸’¸›¸/ ™¤¸¸¨¸ŠÏ¬÷¸ †µ¸ ‡Æ¬¸œ¸¸½¸£ ˆ½Å ‚¿÷¸£µ¸/ ‚¸ƒÄ¤¸ú¬¸ú ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¨¸¬¸»¥¸ú
(¬¸Ÿ¸¸š¸¸›¸ Ÿ¸¸½”/ ¬¸Ÿ¸¸œ¸›¸ Ÿ¸¸½” ˆ½Å ‚š¸ú›¸), ¥¸½¢ˆÅ›¸ ¨¸¬¸»¥¸ú ˆ½Å ¢¥¸‡ ‚¸Š¸½ ˆÅ¸½ƒÄ ¢¨¸¢š¸ˆÅ „œ¸¸¡¸ „œ¸¥¸¤š¸ ›¸ í¸½ ¡¸¸ ‚›¡¸ ˆÅ¸½ƒÄ Ÿ¸¸š¡¸Ÿ¸ ˆ½Å ¸¢£¡¸½ œÏ¬÷¸¸¢¨¸÷¸ ›¸
í¸½] ˆÅú ¦¬˜¸¢÷¸ Ÿ¸Ê ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ³Åœ¸ Ÿ¸Ê ¢¨¸¢›¸¡¸¸½¢¸÷¸ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸À
b. In cases where recovery is leading to final closure (severance of lender /borrower relationship including with guarantors
/third parties, if any) of loan accounts [by way of One time settlement /Negotiated settlement /transfer of Stressed Loan
Exposure/Recovery through IBC (under resolution mode/liquidation mode) but no further legal recourse is available or
proposed through any other mode of recovery] shall be appropriated as mentioned below:

(i) Ÿ¸»¥¸š¸›¸
Principal

(ii) ‚™î¸ ¨¡¸¡¸/ ‡½¬¸½ ¨¡¸¡¸ ¸¸½ œ¸í¥¸½ íú ¨¡¸¡¸/ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ‡ Š¸‡ íÿ.
Unpaid Expenses/Expenses already incurred /paid.

(iii) ¤¡¸¸¸/ ™¿”¬¨¸³Åœ¸ ¤¡¸¸¸

Interest /penal Interest

(iv) œÏž¸¸£ (¤¸ˆÅ¸¡¸¸ ©¸º¥ˆÅ/ ¤¸ú¸ú ˆÅŸ¸ú©¸›¸)

Charges (Fees/BG commission outstanding).

Š¸. ¸í¸¿ ¨¸¬¸»¥¸ú ˆ½Å ˆÅ¸£µ¸ ‰¸¸÷¸¸ ‚¿¢÷¸Ÿ¸ ³Åœ¸ ¬¸½ ¤¸¿™ ›¸ í¸½, ‡½¬¸ú ¦¬˜¸¢÷¸ Ÿ¸Ê ¢¨¸¢›¸¡¸¸½¸›¸ ¬¸¿¢¨¸™¸÷Ÿ¸ˆÅ ©¸÷¸¸½ô ˆ½Å ‚›¸º¬¸¸£ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸. ¸í¸¿ ¤¸ÿˆÅ ‚¸¾£ „š¸¸£ˆÅ÷¸¸Ä
ˆ½Å ¤¸ú¸ ‡›¸œ¸ú‡ Ÿ¸Ê ¨¸¬¸»¢¥¸¡¸¸Ê ˆ½Å ¢¨¸¢›¸¡¸¸½¸›¸ í½÷¸º ¬œ¸«’ ‚›¸º¤¸¿š¸ ›¸ í¸½ ¨¸í¸Â ¢¨¸¢›¸¡¸¸½¸›¸ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ÷¸£úˆ½Å ¬¸½ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸À
c. In cases where recovery not resulting in final closure of accounts, it shall be appropriated as per contractual terms. In
absence of any clear agreement between bank and borrower for the purpose of appropriation of recoveries in NPAs, the
same would be appropriated as mentioned below:

dm{f©H$ [anmoQ>© Annual Report 2023-24 315

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(i) ‚™î¸ ¨¡¸¡¸/ œ¸í¥¸½ íú ¨¡¸¡¸/ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ‡ Š¸¡¸½ ‰¸¸Ä
Unpaid Expenses/Expenses already incurred /paid.

(ii) ¤¡¸¸¸/ ™¿”¬¨¸³Åœ¸ ¤¡¸¸¸

Interest /penal Interest

(iii) œÏž¸¸£ (¤¸ˆÅ¸¡¸¸ ©¸º¥ˆÅ/ ¤¸ú¸ú ˆÅŸ¸ú©¸›¸)

Charges (Fees/BG commission outstanding).
(iv) Ÿ¸»¥¸š¸›¸
Principal

‹¸. ¤¸’Ã’½ ‰¸¸÷¸½ Ÿ¸Ê ”¸¥¸½ Š¸‡ †µ¸¸Ê ¬¸½ ¨¸¬¸»¥¸ £¸¢©¸¡¸¸½¿ ˆÅ¸½ ¥¸¸ž¸ ‡¨¸¿ í¸¢›¸ ¢¨¸¨¸£µ¸ Ÿ¸Ê ‚¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸½¿ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾
d. Amounts recovered against debts written off are recognized as income in the Statement of Profit & Loss.

Œ. ‡›¸œ¸ú‡ ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ ˆÅ¸½ ¥¸¸ž¸ ‡¨¸¿ í¸¢›¸ ¢¨¸¨¸£µ¸ Ÿ¸Ê ¨¡¸¡¸ ˆ½Å ³ œ¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
e. Provisions for NPA are recognized as an expense in the Statement of Profit & Loss.

5. ‚¢ŠÏŸ¸ ‚¸¾£ œÏ¸¨¸š¸¸›¸ / Advances and Provisions

i. ‚¢ŠÏŸ¸¸Ê ˆÅ¸½ Ÿ¸¸›¸ˆÅ, ‚¨¸Ÿ¸¸›¸ˆÅ, ¬¸¿¢™Šš¸ ÷¸˜¸¸ í¸¢›¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ³ œ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ÷¸˜¸¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ¢¨¸¢›¸¢™Ä«’ ¢¨¸¨¸½ˆÅœ¸»µ¸Ä Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚›¸º¬¸¸£
œÏ¸¨¸š¸¸›¸ ¢ˆÅ‡ ¸¸÷¸½ íÿ. ‚¢ŠÏŸ¸¸Ê ˆÅ¸½ ‚›¸¸ÄˆÅ ‚¢ŠÏŸ¸¸Ê ˆ½Å ¢¥¸¡¸½ ¢ˆÅ‡ Š¸‡ œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸½ ‹¸’¸ˆÅ£ ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾. ¢¨¸™½©¸ú ©¸¸‰¸¸‚¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê †µ¸ ‡¨¸¿ ‚¢ŠÏŸ¸¸Ê
ˆÅ¸ ¨¸Š¸úĈţµ¸ ÷¸˜¸¸ ‚›¸¸ÄˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ ¬˜¸¸›¸ú¡¸ ¢¨¸¢›¸¡¸Ÿ¸¸Ê ¡¸¸ ‚¸£¤¸ú‚¸ƒÄ ˆ½Å Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚›¸º¬¸¸£, ¸¸½ ¡¸¸™¸ ¢¨¸¨¸½ˆÅœ¸»µ¸Ä í¸½, ˆ½Å ‚¸š¸¸£ œ¸£ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾.
Advances are classified into Standard, Sub-standard, Doubtful and Loss assets and provisions are made in accordance with the
prudential norms prescribed by the RBI. Advances are stated net of provisions towards non-performing advances. In respect of
foreign branches, the classification of loans and advances and provisions for NPAs are made as per the local regulations or as
per norms of the RBI, whichever is more prudent.

ii. ‚¢ŠÏŸ¸ ¢¸›¸ˆ½Å ¢¥¸‡ Ÿ¸»÷¸Ä œÏ¢÷¸ž¸»¢÷¸ (¤¸íú †µ¸ ¬¸¢í÷¸) ¢›¸š¸¸Ä¢£÷¸ ˆÅú Š¸ƒÄ í¸½, ˆÅ¸ ¨¸Š¸úĈţµ¸ `Ÿ¸»÷¸Ä ‚¸¦¬÷¸¡¸¸Ê ׸£¸ œÏ¢÷¸ž¸»÷¸' ˆ½Å ³ œ¸ Ÿ¸Ê ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¸í¸¿ ‡½¬¸ú
œÏ¢÷¸ž¸»¢÷¸ ˆÅú ©¸÷¸Ä ›¸ í¸½, ‡½¬¸½ ‚¢ŠÏŸ¸¸Ê ˆÅ¸ ¨¸Š¸úĈţµ¸ `‚œÏ¢÷¸ž¸»÷¸' ˆ½Å ³Åœ¸ Ÿ¸Ê ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‡¬ÇŸ½, Š¸¸£¿’ú, ¸ºˆÅ¸¾÷¸ú ‚¸æ¸¸¬¸›¸ œ¸°¸, ¤Ï¸¿” œ¸£ œÏž¸¸£, ¥¸¸ƒ¬¸Ê¬¸, œ¸½’Ê’,
ˆÅ¸Áœ¸ú£¸ƒ’ ‚¸¢™ ˆ½Å ³ œ¸ Ÿ¸Ê œÏ¢÷¸ž¸»¢÷¸ ˆÅ¸½ Ÿ¸»÷¸Ä ›¸íú¿ Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾.
Advances wherein a tangible security (including book debts) is stipulated are classified as ‘Secured by Tangible Assets’. Where
such security is not stipulated, advances are classified as ‘Unsecured’. Any Security in the nature of escrow, guarantee, comfort
letter, charge on brand, license, patent, copyright etc. are not considered as Tangible.

iii. ¤¸ÿˆÅ „¬¸ ‰¸¸÷¸½ ˆÅ¸½ œ¸º›¸¬¸ô£¢¸÷¸ ‰¸¸÷¸¸ Ÿ¸¸›¸÷¸¸ í¾ ¸í¸¿ „š¸¸£ˆÅ÷¸¸Ä ˆÅú ¢¨¸î¸ú¡¸ ˆÅ¢“›¸¸ƒ¡¸¸Ê ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ‚¸¢˜¸ÄˆÅ ¡¸¸ ¢¨¸¢š¸ˆÅ ˆÅ¸£µ¸¸Ê ¬¸½ „š¸¸£ˆÅ÷¸¸Ä ˆÅ¸½ ‡½¬¸ú ¢£¡¸¸¡¸÷¸Ê œÏ™¸›¸
ˆÅ£÷¸¸ í¾ ¢¸›¸ œ¸£ ¤¸ÿˆÅ ‚›¡¸˜¸¸ ¢¨¸¸¸£ ›¸íú¿ ˆÅ£÷¸¸. œ¸º›¸¬¸ô£¸›¸¸ Ÿ¸Ê ¬¸¸Ÿ¸¸›¡¸ ³ œ¸ ¬¸½ ‚¢ŠÏŸ¸¸Ê / œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅú ©¸÷¸¸½ô Ÿ¸Ê ‚¸©¸¸½š¸›¸ ©¸¸¢Ÿ¸¥¸ íÿ, ¢¸¬¸Ÿ¸Ê ¬¸¸Ÿ¸¸›¡¸÷¸À
‚›¡¸ ˆ½Å ¬¸¸˜¸-¬¸¸˜¸ ¸ºˆÅ¸¾÷¸ú ‚¨¸¢š¸/ œÏ¢÷¸™½¡¸ £¸¢©¸/ ¢ˆÅ¬÷¸¸Ê ˆÅú £¸¢©¸/ ¤¡¸¸¸ ™£ (œÏ¢÷¸¬œ¸š¸¸Ä÷Ÿ¸ˆÅ ˆÅ¸£µ¸¸Ê ˆÅ¸½ Ž¸½”õˆÅ£ ‚›¡¸ ˆÅ¸£µ¸¸Ê ¬¸½) Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ ©¸¸¢Ÿ¸¥¸
í¸½÷¸¸ í¾. œ¸º›¸¬¸ô£¸›¸¸ œ¸¾ˆ½Å¸ ˆ½Å ‚›¸ºŸ¸¸½™›¸ ‚¸¾£ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ œ¸£ íú ¤¸ÿˆÅ ׸£¸ œ¸º›¸Š¸Ä¢“÷¸ ‰¸¸÷¸¸Ê ˆÅ¸½ ƒ¬¸ ³ œ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
The Bank considers a restructured account as one where the Bank, for economic or legal reasons relating to the borrower’s
financial difficulty, grants to the borrower concessions that the Bank would not otherwise consider. Restructuring would
normally involve modification of terms of the advance / securities, which would generally include, among others, alteration
of repayment period / repayable amount / the amount of instalments / rate of interest (due to reasons other than competitive
reasons). Restructured accounts are classified as such by the Bank only upon approval and implementation of the restructuring
package.

iv. ‡›¸œ¸ú‡ ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ œÏ¤¸¿š¸›¸ ׸£¸ ¢›¸š¸¸Ä¢£÷¸ ™£¸½¿ ˆÅú ‚›¸º¬¸¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¸¸½ ¢£{¸¨¸Ä ¤¸¾ˆÅ ׸£¸ ¢›¸š¸¸Ä¢£÷¸ ›¡¸»›¸÷¸Ÿ¸ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ œÏ¸¨¸š¸¸›¸¸½¿ ¬¸½ ‚¢š¸ˆÅ íÿ.
Provisions are made for NPAs as per the rates determined by the management which are higher than the minimum regulatory
provisions stipulated by the RBI.
v. ¢¨¸¢©¸«’ Ÿ¸¸Ÿ¸¥¸¸½¿ / œ¸¢£¢¬˜¸¢÷¸¡¸¸½¿ Ÿ¸½¿ œÏ¤¸¿š¸›¸ ׸£¸ ‡›¸œ¸ú‡ ˆ½Å ¢¥¸‡ ‚¢÷¸¢£Æ÷¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Additional provisions on NPAs are made by the management in specific cases/circumstances.

vi. Ÿ¸¸›¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¢¥¸‡ ¬¸¸Ÿ¸¸›¡¸ œÏ¸¨¸š¸¸›¸ ž¸ú ¢ˆÅ¡¸½ ¸¸÷¸½ íÿ. ¡¸½ œÏ¸¨¸š¸¸›¸ ÷¸º¥¸›¸-œ¸°¸ ˆÅú ‚›¸º¬¸»¸ú 5 ˆ½Å ``‚›¡¸ ™½¡¸÷¸¸‡Â ‡¨¸¿ œÏ¸¨¸š¸¸›¸ - ‚›¡¸'' ©¸ú«¸ÄˆÅ ˆ½Å ‚¿÷¸Š¸Ä÷¸
™©¸¸Ä‡ ¸¸÷¸½ íÿ ‚¸¾£ ¢›¸¨¸¥¸ ‡›¸œ¸ú‡ ˆ½Å ‚¸ˆÅ¥¸›¸ ˆ½Å ¢¥¸‡ ƒ›¸ œ¸£ ¢¨¸¸¸£ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
General provisions are also made for standard assets. These provisions are reflected in Schedule 5 of the Balance Sheet under
the head “Other Liabilities & Provisions – Others” and are not considered for arriving at the Net NPAs.

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Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
vii. ¤¸ÿˆÅ ‚¢ž¸¢›¸š¸¸Ä¢£÷¸ ™¤¸¸¨¸ŠÏ¬÷¸ ®¸½°¸¸Ê ˆÅú Ÿ¸¸›¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê œ¸£ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ›¡¸»›¸÷¸Ÿ¸ œÏ¸¨¸š¸¸›¸ ˆ½Å ‚¥¸¸¨¸¸ ¸¸½¢‰¸Ÿ¸ ¢›¸š¸¸Ä£µ¸ ˆ½Å ‚¸š¸¸£ œ¸£ ™¤¸¸¨¸ŠÏ¬÷¸ ®¸½°¸¸Ê ˆ½Å ¢¥¸‡
„¸ ™£¸Ê ¬¸½ ‚¢÷¸¢£Æ÷¸ œÏ¸¨¸š¸¸›¸ ž¸ú ˆÅ£÷¸¸ í¾.
Bank is also making additional provisions on stressed sectors based on risk assessment at rates higher than the regulatory
minimum provision on standard assets of identified stressed sectors.

viii. ™¤¸¸¨¸ŠÏ¬÷¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¬¸Ÿ¸¸š¸¸›¸ ˆ½Å ¢¥¸‡ ¢¨¸¨¸½ˆÅœ¸»µ¸Ä ¸¿¸½ ‚¸¾£ ˆÅ¸½¢¨¸”-19 ¬¸½ ¬¸¿¤¸Ö ™¤¸¸¨¸ ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸š¸¸›¸ ¸¿¸½ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ÷¸˜¸¸
¤¸¸½”Ä ×¸£¸ ‚›¸ºŸ¸¸½¢™÷¸ ›¸ú¢÷¸ ˆ½Å ‚›¸º¬¸¸£ ¤¸ÿˆÅ ›¸½ œ¸¸°¸ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸š¸¸›¸ ¡¸¸½¸›¸¸‡¿ ¥¸¸Š¸» ˆÅú íÿ. ‚¸¦¬÷¸ ¨¸Š¸úĈţµ¸ ‚¸¾£ „›¸ œ¸£ ‚¸¨¸©¡¸ˆÅ œÏ¸¨¸š¸¸›¸úˆÅ£µ¸
¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
In accordance with the RBI guidelines on the prudential framework for resolution of stressed assets and the resolution frameworks
for COVID-19 related stress and its Board approved policy, the Bank has implemented resolution plans for eligible borrowers.
The asset classification and necessary provisioning thereon has been carried out in accordance with the said RBI guidelines.

ix. Š¸¾£-¬¸í¡¸¸½Š¸ú ‚¸¾£ ¸¸›¸¤¸»¸ ˆÅ£ ¸»ˆÅˆÅ÷¸¸Ä‚¸Ê ˆ½Å ³ œ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¤¸ÿˆÅ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å Ÿ¸¸¾¸»™¸ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ÷¨¸¢£÷¸ œÏ¸¨¸š¸¸›¸
ˆÅ£÷¸¸ í¾. š¸¸½‰¸¸š¸”õú ˆ½Å ³ œ¸ Ÿ¸Ê ¢£œ¸¸½’Ä ¢ˆÅ¡¸½ Š¸¡¸½ †µ¸¸Ê ˆÅ¸½ í¸¢›¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ³ œ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ œÏ¢÷¸ž¸»¢÷¸ ˆ½Å Ÿ¸»¥¡¸ œ¸£ ¢¨¸¸¸£ ¢ˆÅ¡¸½ ¢¤¸›¸¸ ÷¸÷ˆÅ¸¥¸
œ¸»µ¸Ä œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
In respect of borrowers classified as non-cooperative and wilful defaulters, the Bank makes accelerated provisions as per the
extant RBI guidelines. Loans reported as fraud are classified as loss assets, and fully provided immediately without considering
the value of security.

ˆ¿Å’ïú ‡Æ¬¸œ¸¸½¸£ ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ /Provision for Country Exposure:

x. ‚¸¦¬÷¸ ¨¸Š¸úĈţµ¸ ¦¬˜¸¢÷¸ ˆ½Å ‚›¸º¬¸¸£ š¸¸¢£÷¸ ¢¨¸¢©¸«’ œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚¢÷¸¢£Æ÷¸, ¨¸¾¡¸¢Æ÷¸ˆÅ ˆ¿Å’ïú ‡Æ¬¸œ¸¸½¸£ (¬¨¸™½©¸ ˆ½Å ‚¥¸¸¨¸¸) ˆ½Å ¢¥¸‡ ž¸ú œÏ¸¨¸š¸¸›¸ ¢ˆÅ‡ ¸¸÷¸½ íÿ.
™½©¸¸Ê ˆÅ¸½ ¬¸¸÷¸ ¸¸½¢‰¸Ÿ¸ ª½¢µ¸¡¸¸Ê Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¸¸÷¸¸ í¾ ‚˜¸¸Ä÷¸Ã - Ÿ¸í÷¨¸íú›¸, ¢›¸Ÿ›¸, Ÿ¸š¡¸Ÿ¸, „¸, ‚¢÷¸ „¸, œÏ¢÷¸¤¸¿¢š¸÷¸ ‡¨¸¿ ‚¸ÁûŠǽŢ”’ ‚¸¾£ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ
ˆ½Å Ÿ¸¸¾¸»™¸ ¢™©¸¸-¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ œÏ¸¨¸š¸¸›¸ ¢ˆÅ‡ ¸¸÷¸½ íÿ. ¡¸¢™ œÏ÷¡¸½ˆÅ ™½©¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¤¸ÿˆÅ ˆÅ¸ ˆ¿Å’ïú ‡Æ¬¸œ¸¸½¸£ (¢›¸¨¸¥¸) ˆºÅ¥¸ ¢›¸¢š¸ˆ¼Å÷¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å 1% ¬¸½
‚¢š¸ˆÅ ›¸íú¿ í¾, ÷¸¸½ ‡½¬¸½ ˆ¿Å’ïú ‡Æ¬¸œ¸¸½¸£ œ¸£ ˆÅ¸½ƒÄ œÏ¸¨¸š¸¸›¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¡¸í œÏ¸¨¸š¸¸›¸ ÷¸º¥¸›¸-œ¸°¸ ˆÅú ‚›¸º¬¸»¸ú 5 Ÿ¸Ê "‚›¡¸ ™½¡¸÷¸¸‡¿ ‚¸¾£ œÏ¸¨¸š¸¸›¸ - ‚›¡¸"
©¸ú«¸ÄˆÅ ˆ½Å ‚¿÷¸Š¸Ä÷¸ œÏ™¢©¸Ä÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
In addition to the specific provisions held according to the asset classification status, provisions are also made for individual
country exposures (other than the home country). Countries are categorized into seven risk categories, namely, insignificant,
low, moderate, high, very high, restricted and off-credit and provisioning is made as per the extant RBI guidelines. If the country
exposure (net) of the Bank in respect of each country does not exceed 1% of the total funded assets, no provision is maintained
on such country exposures. However, the provision is reflected in Schedule 5 of the Balance Sheet under the head “Other
Liabilities & Provisions – Others”.

‚£¢®¸÷¸ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ‡Æ¬¸œ¸¸½¸£ /Unhedged Foreign Currency Exposure:

xi. ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸-¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¤¸ÿˆÅ ¢÷¸Ÿ¸¸íú ‚¸š¸¸£ œ¸£ ‚£¢®¸÷¸ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ‡Æ¬¸œ¸¸½¸£ (¡¸»‡¸‡ûöŬ¸úƒÄ) ¨¸¸¥¸ú ¬¸¿¬˜¸¸‚¸Ê ˆ½Å ¢¥¸‡ ¨¸¼¢Ö©¸ú¥¸
œ¸»¿¸ú ‡¨¸¿ œÏ¸¨¸š¸¸›¸ £‰¸ £í¸ í¾. ¤¸ÿˆÅ ›¸½ ‚œ¸›¸½ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆ½Å ¢¥¸‡ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ œÏ½¢£÷¸ †µ¸ ¸¸½¢‰¸Ÿ¸ ˆ½Å œÏ¤¸¿š¸›¸ í½÷¸º œÏ¢ÇÅ¡¸¸ ¢›¸š¸¸Ä¢£÷¸ ˆÅú í¾ ¢¸¬¸½ ¤¸ÿˆÅ ˆÅú †µ¸ ›¸ú¢÷¸
ˆ½Å ‚¿÷¸Š¸Ä÷¸ ©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
The Bank is holding incremental capital and provisions for entities with un-hedged foreign currency exposure (UHFCE), in line
with the RBI guidelines, on quarterly basis. Bank has a laid down process for managing foreign currency induced credit risk for
its borrowers which is covered in Bank’s Credit Policy.

6. ¢›¸¨¸½©¸ / InvestmentsÀ
‚. ¨¸Š¸úĈţµ¸À
A. Classification

¢›¸¨¸½©¸ ¨¸Š¸úĈţµ¸ ¨¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å Ÿ¸¸¾¸»™¸ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¬¸¿œ¸»µ¸Ä ¢›¸¨¸½©¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ˆÅ¸½ ¢›¸Ÿ›¸¸›¸º¬¸¸£ ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾À
In terms of extant guidelines of the RBI on investment classification and valuation, the entire investment portfolio is categorized
as:
i. œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸
Held To Maturity,
ii. ¢¤¸ÇÅú ˆ½Å ¢¥¸‡ „œ¸¥¸¤š¸ ÷¸˜¸¸
Available For Sale and
iii. ’ï½¢”¿Š¸ ˆ½Å ¢¥¸‡ š¸¸¢£÷¸
Held For Trading.

dm{f©H$ [anmoQ>© Annual Report 2023-24 317

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
œÏ÷¡¸½ˆÅ ª½µ¸ú ˆ½Å ‚÷¸¿Š¸Ä÷¸ ¢›¸¨¸½©¸ ˆÅ¸½ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ³Åœ¸ Ÿ¸Ê œ¸º›¸À ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾À
Investments under each category are further classified as:

i. ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸¿
Government Securities

ii. ‚›¡¸ ‚›¸ºŸ¸¸½¢™÷¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿

Other Approved Securities

iii. ©¸½¡¸£
Shares

iv. ¢”¤¸Ê¸£ ÷¸˜¸¸ ¤¸¸¿”

Debentures and Bonds

v. ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‡¿/ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸

Subsidiaries/ Joint Ventures

vi. ‚›¡¸ (¨¸¸¢µ¸¦¡¸ˆÅ œ¸°¸, ¸Ÿ¸¸ œÏŸ¸¸µ¸œ¸°¸, Ÿ¡¸»¸º‚¥¸ û¿Å” ¡¸»¢›¸’, œÏ¢÷¸ž¸»¢÷¸ £¬¸ú™Ê, „Ô¸Ÿ¸ œ¸»¿¸ú ¢›¸¢š¸, œ¸¸¬¸ ˜Ï» œÏŸ¸¸µ¸œ¸°¸)
Others (Commercial Paper, Certificate of Deposits, Mutual Fund Units, Security Receipts, Venture capital funds,
Pass through Certificate).

‚¸. ¨¸Š¸úĈţµ¸ ˆÅ¸ ‚¸š¸¸£À

B. Basis of Classification

ˆÅ) ‡½¬¸½ ¢›¸¨¸½©¸, ¢¸›í½¿ ¤¸ÿˆÅ œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸ ˆÅ£›¸¸ ¸¸í÷¸¸ í¾, ˆÅ¸½ `œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸' ª½µ¸ú Ÿ¸½¿ ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
a) Investments that the Bank intends to hold till maturity are classified as ‘Held to Maturity’.

‰¸) ‚¥œ¸¸¨¸¢š¸ Ÿ¸»¥¡¸/ ¤¡¸¸¸ ™£ Ÿ¸Ê „÷¸¸£-¸õ¸¨¸ ˆÅ¸ ¥¸¸ž¸ ¥¸½›¸½ ˆ½Å ¢¥¸‡ ’ï½” ˆ½Å ƒ£¸™½ ¬¸½ ‚¢¸Ä÷¸ ¢›¸¨¸½©¸ ˆÅ¸½ `’ï½¢”¿Š¸ ˆ½Å ¢¥¸‡ š¸¸¢£÷¸' (‡¸‡ûöÅ’ú) ˆ½Å ‚¿÷¸Š¸Ä÷¸
¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸. ‡¸‡ûöÅ’ú ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¨¸Š¸úĈ¼Å÷¸ ¢›¸¨¸½©¸ ˆÅ¸½ 90 ¢™›¸¸Ê ˆ½Å ž¸ú÷¸£ ¤¸½¸ ¢™¡¸¸ ¸¸‡Š¸¸.
b) Investments acquired with the intention to trade by taking advantage of the short-term price/interest rate movements
shall be classified under ‘Held for Trading’ (HFT). The investments classified under HFT shall be sold within 90 days.

Š¸) ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸¢›¸¡¸¸Ê ‚¸¾£ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸¸Ê Ÿ¸Ê ¢ˆÅ‡ Š¸‡ ¢›¸¨¸½©¸¸Ê ˆÅ¸½ ¬¸¸Ÿ¸¸›¡¸÷¸À `œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸' ª½µ¸ú ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾, ¢ˆÅ›÷¸º ƒ¬¸Ÿ¸Ê
‡½¬¸½ Ÿ¸¸Ÿ¸¥¸½ ©¸¸¢Ÿ¸¥¸ ›¸íú¿ íÿ, ¢¸›¸ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ ‚¸š¸¸¢£÷¸ ¬¸Ÿ¸ú®¸¸ ˆÅ£ ‚¸£¤¸ú‚¸ƒÄ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ `¢¤¸ÇÅú ˆ½Å ¢¥¸‡ „œ¸¥¸¤š¸' ª½µ¸ú Ÿ¸Ê ‚¿÷¸¢£÷¸
¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅ¸ ¨¸Š¸úĈţµ¸ ƒ¬¸ˆ½Å ‚¢š¸ŠÏíµ¸ ˆ½Å ¬¸Ÿ¸¡¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
c) Equity Investment in subsidiaries and joint venture are normally classified as ‘Held To Maturity’ except in case, on need
based reviews, they are shifted to ‘Available for Sale’ category as per the RBI guidelines. The classification of investments
in associates is done at the time of its acquisition.

‹¸) ¸¸½ ¢›¸¨¸½©¸ „œ¸¡¸ºÄÆ÷¸ ™¸½›¸¸Ê ª½¢µ¸¡¸¸Ê Ÿ¸Ê ›¸íú¿ ‚¸÷¸½ íÿ, „›íÊ `¢¤¸ÇÅú ˆ½Å ¢¥¸‡ „œ¸¥¸¤š¸' ©¸ú«¸Ä ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
d) Investments, which are not classified in the above two categories, are classified as ‘Available for Sale’.

Œ) ¢ˆÅ¬¸ú ¢›¸¨¸½©¸ ˆÅ¸½ „¬¸ˆÅú ‰¸£ú™ ˆ½Å ¬¸Ÿ¸¡¸ `œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸', `¢¤¸ÇÅú ˆ½Å ¢¥¸‡ „œ¸¥¸¤š¸' ‚˜¸¨¸¸ `’ï½¢”¿Š¸ ˆ½Å ¢¥¸‡ š¸¸¢£÷¸' ˆÅú ª½µ¸ú Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾ ‚¸¾£ ¤¸¸™ Ÿ¸Ê ƒ›¸ ª½¢µ¸¡¸¸Ê ˆ½Å ¤¸ú¸ Ÿ¸Ê ƒ›¸ˆÅú ‚™¥¸¸-¤¸™¥¸ú ‚¸¾£ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
e) An investment is classified as ‘Held To Maturity’, ‘Available For Sale’ or ‘Held For Trading’ at the time of its purchase and
subsequent shifting amongst categories and its valuation is done in conformity with the RBI guidelines.

ƒ. Ÿ¸»¥¡¸¸¿ˆÅ›¸ À
C. Valuation:

i. ¢ˆÅ¬¸ú ¢›¸¨¸½©¸ ˆÅú ‚¢š¸ŠÏíµ¸ ¥¸¸Š¸÷¸ ˆÅ¸½ ¢›¸š¸¸Ä¢£÷¸ ˆÅ£›¸½ Ÿ¸ÊÀ

In determining the acquisition cost of an investment:

ˆÅ) ¬¸½ˆ¿Å”£ú ¤¸¸¸¸£ ¬¸½ ‚¢š¸Š¸¼íú÷¸ ƒ¦Æ¨¸’ú ¢¥¸‰¸÷¸¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê œÏ™î¸ ™¥¸¸¥¸ú, ˆÅŸ¸ú©¸›¸, ¬’¸Ÿœ¸ ”ḻ’ú ‚¸¾£ ‚›¡¸ ˆÅ£¸Ê ˆÅ¸½ ‚¢š¸ŠÏíµ¸ ¥¸¸Š¸÷¸ Ÿ¸Ê
©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸¢ˆÅ ’ｏ¸£ú ¢›¸¨¸½©¸¸Ê ¬¸¢í÷¸ ‚›¡¸ ¢›¸¨¸½©¸¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ‡½¬¸½ ¨¡¸¡¸¸Ê ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê œÏž¸¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.

318 Friendship That

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 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
a) Brokerage, commission, stamp duty, and other taxes paid are included in cost of acquisition in respect of
acquisition of equity instruments from the secondary market whereas in respect of other investments, including
treasury investments, such expenses are charged to Profit and Loss Account.

‰¸) ‰¸¿¢”÷¸ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ œÏ™î¸ ¤¡¸¸¸ / œÏ¸œ÷¸ ¤¡¸¸¸ ˆÅ¸½ ‚¢š¸ŠÏíµ¸ ¥¸¸Š¸÷¸/ ¢¤¸ÇÅú Ÿ¸Ê ¬¸½ ‹¸’¸¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ „¬¸½ ¤¡¸¸¸ ¨¡¸¡¸/ ‚¸¡¸ ˆ½Å ³ œ¸ Ÿ¸Ê Ÿ¸¸›¸¸
¸¸÷¸¸ í¾.
b) Broken period interest paid/ received is excluded from the cost of acquisition/ sale and treated as interest expense/
income.

Š¸) ¥¸¸Š¸÷¸ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ž¸¸¢£÷¸ ‚¸¾¬¸÷¸ ¥¸¸Š¸÷¸ œ¸Ö¢÷¸ ˆ½Å ‚›¸º¬¸¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
c) Cost is determined on the weighted average cost method.

ii. `œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸' ¢›¸¨¸½©¸¸Ê ˆÅ¸½ ¸¤¸ ÷¸ˆÅ ¡¸í ‚¿¢ˆÅ÷¸ Ÿ¸»¥¡¸ ¬¸½ ‚¢š¸ˆÅ ›¸ í¸Ê, ‚¢š¸ŠÏíµ¸ ¥¸¸Š¸÷¸ œ¸£ ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ‡½¬¸½ Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê
œÏú¢Ÿ¸¡¸Ÿ¸ ˆÅ¸½ œ¸¢£œ¸Æ¨¸÷¸¸ ˆÅú ©¸½«¸ ¤¸¸ú ‚¨¸¢š¸ Ÿ¸Ê ¬¸úš¸ú £½‰¸¸ œ¸Ö¢÷¸ ¬¸½ œ¸¢£©¸¸½¢š¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ƒ¬¸ ª½µ¸ú ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢›¸¨¸½©¸¸Ê, ¢¸›íÊ `œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ
š¸¸¢£÷¸' Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾, ˆ½Å Ÿ¸»¥¡¸ Ÿ¸Ê ˆÅŸ¸ú (‚¬˜¸¸¡¸ú ¬¨¸³ œ¸ ˆ½Å ‚¥¸¸¨¸¸) ˆÅú œ¸í¸¸›¸ ˆÅú ¸¸÷¸ú í¾ ‚¸¾£ œÏ÷¡¸½ˆÅ ¢›¸¨¸½©¸ ˆ½Å ¢¥¸‡ ‚¥¸Š¸-‚¥¸Š¸
œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Investments in ‘Held To Maturity’ category are carried at acquisition cost unless it is more than the face value, in which
case the premium is amortized on straight line basis over the remaining period of maturity. Any diminution (other than
temporary) in the value of the investments, which are included under HTM, are recognized and provided individually for
each investment.

iii. `’ï½¢”¿Š¸ ˆ½Å ¢¥¸‡ š¸¸¢£÷¸' ÷¸˜¸¸ `¢¤¸ÇÅú ˆ½Å ¢¥¸‡ „œ¸¥¸¤š¸' ¢›¸¨¸½©¸¸Ê ˆ½Å ¦¬ÇÅœ¸-¨¸¸£ ¤¸¸¸¸£ Ÿ¸»¥¡¸ ˆÅ¸½ ¤¸íú Ÿ¸Ê ‚¿¢ˆÅ÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ œÏ÷¡¸½ˆÅ ª½µ¸ú Ÿ¸Ê íº‡
¢›¸¨¸¥¸ Ÿ¸»¥¡¸Ý¸¬¸, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾, ¸¤¸¢ˆÅ ¢ˆÅ¬¸ú ¢›¸¨¸¥¸ ¨¸¼¢Ö, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆÅ¸½ ›¸íú¿ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾. ÷¸˜¸¸¢œ¸ ‡½¬¸½
¢›¸¨¸½©¸ ¢¸›¸ˆÅ¸ ¨¸Š¸úĈţµ¸ ‚›¸¢¸Ä÷¸ ‚¸¦¬÷¸¡¸¸¿ ¡¸¸ ¢›¸¨¸½©¸ ¸¸½ œ¸º›¸¬¸ô£¸›¸¸/ †µ¸ ˆ½Å œ¸¢£¨¸÷¸Ä›¸ ˆ½Å ûÅ¥¸¬¨¸³Åœ¸ ‚¢¸Ä÷¸ í¸Ê, ‚›¡¸ ‚¸ÄˆÅ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆ½Å ¤¸õ½
íº‡ Ÿ¸»¥¡¸ Ÿ¸½¿ ¬¸½ Ÿ¸»¥¡¸Ý¸¬¸/ œÏ¸¨¸š¸¸›¸ ˆÅ¸½ ¬¸Ÿ¸¿¢¸÷¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Investments in ‘Held For Trading’ and ‘Available For Sale’ are marked to market scrip-wise and the resultant net
depreciation, if any, in each category is recognized in the Profit and Loss Account, while the net appreciation, if any, is
ignored. However, in respect of investments which are classified as 'Non-Performing’ or investments which are acquired
out of restructuring/conversion of debt, the depreciation/provision is not set off against the appreciation in respect of
other performing securities.

ˆÅ) ¤¸’Ã’¸ˆ¼Å÷¸ ¢¥¸‰¸÷¸ í¸½›¸½ ˆ½Å ›¸¸÷¸½ ’ｏ¸£ú ¢¤¸¥¸¸Ê, ¨¸¸¢µ¸¦¡¸ˆÅ œ¸°¸¸Ê ‚¸¾£ ¸Ÿ¸¸ œÏŸ¸¸µ¸œ¸°¸¸Ê ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ £‰¸¸¨¸ ¥¸¸Š¸÷¸ œ¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
a) Treasury Bills, commercial papers and certificates of deposit being discounted instruments are valued at carrying
cost.

‰¸) ’ï½”/ „Ö¼÷¸ ¢ˆÅ‡ Š¸‡ ¢›¸¨¸½©¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¤¸¸¸¸£ Ÿ¸»¥¡¸ Ÿ¸¸›¡¸÷¸¸œÏ¸œ÷¸ ¬’¸ÁˆÅ ‡Æ¬¸¸Ê¸¸Ê Ÿ¸Ê „œ¸¥¸¤š¸ ’ï½”/ ž¸¸¨¸-¬¸»¸ú ¬¸½ ¢¥¸¡¸¸ ¸¸÷¸¸ í¾.
b) In respect of traded/ quoted investments, the market price is taken from the trades/ quotes available on the
recognised stock exchanges.

Š¸) „Ö¼÷¸ ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¤¸¸¸¸£ Ÿ¸»¥¡¸¸Ê œ¸£ ÷¸˜¸¸ ‚›¸ºÖ¼÷¸ / ’ï½” ›¸ ˆÅú Š¸ƒÄ ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ‡ûÅ‚¸ƒÄ‡Ÿ¸‡Ÿ¸”ú‡/
ûŸƒ›¸Ê¢©¸¡¸¥¸ ¤¸Ê¸Ÿ¸¸ˆÄÅ ƒ¿¢”¡¸¸ œÏ¸. ¢¥¸. (‡ûŤ¸ú‚¸ƒÄ‡¥¸) ׸£¸ ‹¸¸½¢«¸÷¸ Ÿ¸»¥¡¸¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. „Ö¼÷¸ ÷¸˜¸¸ ‚›¸ºÖ¼÷¸, ™¸½›¸¸½¿ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê
ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ‡ûöŤ¸ú‚¸ƒÄ‡¥¸ ™£¸Ê œ¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
c) Quoted Government Securities are valued at market prices and unquoted/non-traded government securities are
valued at prices declared by FIMMDA/ Financial Benchmark India Pvt Ltd (FBIL). For both quoted as well as
unquoted securities valuation, FBIL rates are considered.

‹¸) ‚›¸ºÖ¼÷¸ ƒ¦Æ¨¸’ú ©¸½¡¸£ ‚˜¸¸Ä÷¸Ã ‡½¬¸½ ƒ¦Æ¨¸’ú ©¸½¡¸£ ¢¸›¸ˆÅú ¨¸÷¸ÄŸ¸¸›¸ ƨ¸¸½’½©¸›¸ „œ¸¥¸¤š¸ ›¸íú¿ íÿ ¡¸¸ ¢¸›¸ˆ½Å ž¸¸¨¸ ‡Æ¬¸¸Ê¸ œ¸£ „œ¸¥¸¤š¸ ›¸ í¸½,
„›¸ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ‚¥¸Š¸-‚¥¸Š¸ Ÿ¸»¥¡¸ (`œ¸º›¸Ÿ¸»Ä¥¡¸¸¿ˆÅ›¸ ¢£¸¨¸Ä', ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆ½Å ¢¤¸›¸¸), ¸¸½ ¢ˆÅ ˆ¿Åœ¸›¸ú ˆ½Å ›¸¨¸ú›¸÷¸Ÿ¸ ¥¸½‰¸¸œ¸£ú¢®¸÷¸ ÷¸º¥¸›¸ œ¸°¸ ¬¸½
œÏ¸œ÷¸ í¸½Š¸¸, ˆ½Å ‚¸š¸¸£ œ¸£ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸. ›¸¨¸ú›¸÷¸Ÿ¸ ÷¸º¥¸›¸-œ¸°¸ ˆ½Å ¤¸›¸¸›¸½ ˆÅú ÷¸¸£ú‰¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅú ÷¸¸£ú‰¸ ¬¸½ 18 Ÿ¸íú›¸½ ¬¸½ œ¸í¥¸½ ˆÅú ›¸íú¿ í¸½›¸ú
¸¸¢í‡. ¡¸¢™ ›¸¨¸ú›¸÷¸Ÿ¸ ¥¸½‰¸¸œ¸£ú¢®¸÷¸ ÷¸º¥¸›¸-œ¸°¸ „œ¸¥¸¤š¸ ›¸ í¸½ ÷¸¸½ ©¸½¡¸£¸Ê ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ‚¸£¤¸ú‚¸ƒÄ ˆ½Å ¬¸¿¤¸¿¢š¸÷¸ Ÿ¸¸¬’£ ¢›¸™½Ä©¸ ˆ½Å ‚¸š¸¸£ œ¸£
‡ˆÅ ³. œÏ¢÷¸ ˆ¿Åœ¸›¸ú œ¸£ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸.
d) The unquoted equity shares i.e., equity shares for which current quotations are not available or where the shares
are not quoted on the exchanges, shall be valued at break-up value (without considering ‘revaluation reserves’, if
any) which is to be ascertained from the company’s latest audited balance sheet. The date as on which the latest
balance sheet is drawn up shall not precede the date of valuation by more than 18 months. In case the latest
audited balance sheet is not available, the shares shall be valued at Re.1 per company, as per the relevant RBI
master direction.

dm{f©H$ [anmoQ>© Annual Report 2023-24 319

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
Œ) ‚›¸ºÖ¼÷¸ ‡Ÿ¸‡ûöÅ ¡¸»¢›¸’¸Ê Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ œÏ÷¡¸½ˆÅ ¡¸¸½¸›¸¸ ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‡Ÿ¸‡ûöŠ׸£¸ í¸¥¸ Ÿ¸Ê ‹¸¸½¢«¸÷¸ ¢ˆÅ‡ Š¸‡ œ¸º›¸‰¸Ä£ú™ Ÿ¸»¥¡¸ ˆ½Å ‚¸š¸¸£ œ¸£
¢ˆÅ¡¸¸ ¸¸‡Š¸¸. ‡½¬¸ú ¢›¸¢š¸¡¸¸Â ¸¸½ ¥¸¸ÁˆÅ-ƒ›¸ ‚¨¸¢š¸ ˆ½Å ¬¸¸˜¸ í¸Ê ¡¸¸ ˆÅ¸½ƒÄ ‚›¡¸ ûö¿Å” ¢¸¬¸ˆÅ¸ œ¸º›¸‰¸Ä£ú™ Ÿ¸»¥¡¸/¤¸¸{¸¸£ ž¸¸¨¸ „œ¸¥¸¤š¸ ›¸ í¸½, ‡½¬¸ú ¡¸»¢›¸’¸Ê
ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¡¸¸½¸›¸¸ ˆ½Å ¢›¸¨¸¥¸ œ¸¢£¬¸¿œ¸¢î¸ Ÿ¸»¥¡¸ (‡›¸‡¨¸ú) ˆ½Å ‚¸š¸¸£ œ¸£ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸. ¡¸¢™ ‡›¸‡¨¸ú „œ¸¥¸¤š¸ ›¸íú¿ í¸½ ÷¸¸½ ƒ›¸ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸
¥¸¸ÁˆÅ-ƒ›¸ ‚¨¸¢š¸ ˆÅú ¬¸Ÿ¸¸¦œ÷¸ ÷¸ˆÅ ¥¸¸Š¸÷¸ ˆ½Å ‚¸š¸¸£ œ¸£ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸.
e) Investment in un-quoted MF units shall be valued on the basis of the latest re-purchase price declared by the MF in
respect of each scheme. In case of funds with a lock-in period or any other fund, where repurchase price/ market
quote is not available, units shall be valued at Net Asset Value (NAV) of the scheme. If NAV is not available, these
shall be valued at cost, till the end of the lock-in period.

¸) ¢›¸¡¸÷¸ ‚¸¡¸ ¨¸¸¥¸ú ‚›¸ºÖ¼÷¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê (¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅ¸½ Ž¸½”õˆÅ£) ˆÅ¸ Ÿ¸»¥¡¸ ¬¸Ÿ¸¸›¸ œ¸¢£œ¸Æ¨¸÷¸¸ ‚¨¸¢š¸ ¨¸¸¥¸ú ˆÊÅÍ ¬¸£ˆÅ¸£ ˆÅú
œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅú œ¸¢£œ¸Æ¨¸÷¸¸ œ¸£ œÏ¢÷¸ûÅ¥¸ (¨¸¸ƒÄ’ú‡Ÿ¸) ™£¸Ê œ¸£ ¬¸Ÿ¸º¢¸÷¸ ™£ ¢›¸š¸¸Ä¢£÷¸ ˆÅ£ ¨¸¸ƒÄ’ú‡Ÿ¸ ‚¸š¸¸£ œ¸£ ¢›¸ˆÅ¸¥¸¸ ¸¸÷¸¸ í¾. ‡½¬¸½ ˆÅúŸ¸÷¸-
¥¸¸Š¸÷¸ ‚¿÷¸£ ¨¸ œÏ¡¸ºÆ÷¸ ¨¸¸ƒÄ’ú‡Ÿ¸ ™£½¿ ‡ûŤ¸ú‚¸ƒÄ‡¥¸ ׸£¸ œÏˆÅ¸¢©¸÷¸ ¬¸¿¤¸¿¢š¸÷¸ ™£¸Ê ˆ½Å ‚›¸º¬¸¸£ í¸½÷¸ú íÿ.
f) Unquoted fixed income securities (other than government securities) are valued on Yield to Maturity (YTM) basis
with appropriate mark-up over the YTM rates for Central Government securities of equivalent maturity. Such
mark-up and YTM rates applied are as per the relevant rates published by FBIL.

Ž) ‚¸¦¬÷¸ œ¸º›¸¢›¸ÄŸ¸¸Äµ¸ ˆ¿Åœ¸¢›¸¡¸¸Ê ׸£¸ ¸¸£ú œÏ¢÷¸ž¸»¢÷¸ £¬¸ú™¸Ê ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ¸¸£ú ¢ˆÅ‡ Š¸‡ ›¡¸»›¸÷¸Ÿ¸ œÏ¸¨¸š¸¸›¸ ˆ½Å
‚š¸ú›¸ ‡½¬¸½ ¢¥¸‰¸÷¸¸Ê œ¸£ ¥¸¸Š¸» ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ÷¸™Ã›¸º¬¸¸£, ‡½¬¸½ Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê ¸í¸Â ‚¸¦¬÷¸ œ¸º›¸¢›¸ÄŸ¸¸Äµ¸ ˆ¿Åœ¸¢›¸¡¸¸Ê ׸£¸ ¸¸£ú
œÏ¢÷¸ž¸»¢÷¸ £¬¸ú™¸Ê ¬¸½ ›¸ˆÅ™ú œÏ¨¸¸í, ¬¸¿¤¸¿¢š¸÷¸ ¡¸¸½¸›¸¸ Ÿ¸Ê ¢¥¸‰¸÷¸¸Ê ˆÅ¸½ ¬¸Ÿ¸›¸º™½¢©¸÷¸ ¢¨¸î¸ú¡¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¨¸¸¬÷¸¢¨¸ˆÅ ¨¸¬¸»¥¸ú ÷¸ˆÅ ¬¸ú¢Ÿ¸÷¸ í¸½, ¨¸í¸Â ¤¸ÿˆÅ
‚¸¦¬÷¸ œ¸º›¸¢›¸ÄŸ¸¸Äµ¸ ˆ¿Åœ¸¢›¸¡¸¸Ê ¬¸½ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ œÏ÷¡¸½ˆÅ ¢£œ¸¸½¢’ôŠ¸ ‚¨¸¢š¸ ˆÅú ¬¸Ÿ¸¸¦œ÷¸ œ¸£ ƒ¬¸ œÏˆÅ¸£ ˆ½Å ¢›¸¨¸½©¸¸Ê ˆ½Å Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ¢¥¸‡ ¢›¸¨¸¥¸ ‚¸¦¬÷¸
Ÿ¸»¥¡¸ ˆÅ¸½ ¢í¬¸¸¤¸ Ÿ¸Ê ¥¸½÷¸¸ í¾.
g) Security receipts issued by the asset reconstruction companies are valued in accordance with the guidelines
applicable to such instruments subject to floor provision requirements as prescribed by the RBI from time to time.
Accordingly, in cases where the cash flows from security receipts issued by the asset reconstruction companies
are limited to the actual realisation of the financial assets assigned to the instruments in the concerned scheme,
the Bank reckons the net asset value obtained from the asset reconstruction company from time to time, for
valuation of such investments at the end of each reporting period.

¸) „Ö¼÷¸ ‚¢š¸Ÿ¸¸›¸ú ©¸½¡¸£¸Ê ˆÅ¸½ ¤¸¸¸¸£ ™£¸Ê œ¸£ Ÿ¸»¥¡¸¸¿¢ˆÅ÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ÷¸˜¸¸ ‚›¸ºÖ¼÷¸ / ’ï½” ›¸ ¢ˆÅ¡¸½ ¸¸›¸½ ¨¸¸¥¸½ ‚¢š¸Ÿ¸¸›¸ú ©¸½¡¸£¸Ê ˆÅ¸½ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä
¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ Ÿ¸¸½¸›¸ Ÿ¸»¥¡¸ ¬¸½ ‚›¸¢š¸ˆÅ œ¸¢£œ¸Æ¨¸÷¸¸ ‚¸š¸¸£ œ¸£ „œ¸¡¸ºÆ÷¸ œÏ¢÷¸¥¸¸ž¸ ˆ½Å ‚¸š¸¸£ œ¸£ Ÿ¸»¥¡¸¸¿¢ˆÅ÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
h) Quoted Preference shares are valued at market rates and unquoted/non-traded preference shares are valued at
appropriate yield to maturity basis, not exceeding redemption value as per the RBI guidelines.

¸) ™¤¸¸¨¸ŠÏ¬÷¸ ‚¸¦¬÷¸ ¦¬˜¸£úˆÅ£µ¸ ¢›¸¢š¸ (‡¬¸‡‡¬¸‡ûÅ) Ÿ¸Ê ¢ˆÅ‡ Š¸‡ ¢›¸¨¸½©¸ ˆÅ¸½ œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸ ª½µ¸ú Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ˆÅ£ ¥¸¸Š¸÷¸ œ¸£ Ÿ¸»¥¡¸¸¿¢ˆÅ÷¸
¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
i) Investment in Stressed Assets Stabilisation Fund (SASF) is categorized as Held to Maturity and valued at cost.

‘¸) ‡¸’ú‡Ÿ¸ ª½µ¸ú Ÿ¸Ê š¸¸¢£÷¸ ‚›¸ºÖ¼÷¸ „Ô¸Ÿ¸ œ¸»¿¸ú ¢›¸¢š¸ (¨¸ú¬¸ú‡ûöÅ)/ ¨¸¾ˆÅ¢¥œ¸ˆÅ ¢›¸¨¸½©¸ ¢›¸¢š¸ (‡‚¸ƒÄ‡ûÅ) Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅ¸ ¨¸Š¸úĈţµ¸ ¤¸ÿˆÅ ˆ½Å ¢›¸µ¸Ä¡¸
œ¸£ œÏ¸£¦Ÿž¸ˆÅ ÷¸ú›¸ ¨¸«¸¸½ô ˆ½Å ¢¥¸‡ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ‚¸£¤¸ú‚¸ƒÄ ˆ½Å ¢™©¸¸ ¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ƒ¬¸ ‚¨¸¢š¸ Ÿ¸½¿ ¥¸¸Š¸÷¸ œ¸£ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸
í¾. ‡½¬¸½ ¢›¸¨¸½©¸¸Ê ˆÅ¸½ ¬¸¿¢¨¸÷¸£µ¸ ˆÅú ÷¸¸£ú‰¸ ¬¸½ ÷¸ú›¸ ¨¸«¸¸½ô ˆÅú ‚¨¸¢š¸ ˆ½Å ¤¸¸™ ‡‡ûöҬ¸ ª½µ¸ú Ÿ¸Ê ‚¿÷¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ÷¸˜¸¸ ¨¸ú¬¸ú‡ûöŠ׸£¸ ¢¨¸î¸ú¡¸
¢¨¸¨¸£µ¸¸Ê Ÿ¸½¿ ¢™‰¸¸¡¸½ Š¸¡¸½ ‡›¸‡¨¸ú œ¸£ ƒ›¸ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¨¸«¸Ä Ÿ¸Ê ˆÅŸ¸ ¬¸½ ˆÅŸ¸ ‡ˆÅ ¤¸¸£, ƒ›¸ ¡¸»¢›¸’¸Ê ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¨¸ú¬¸ú‡ûöÅ ˆ½Å í¸¥¸ ˆ½Å
¥¸½‰¸¸œ¸£ú¢®¸÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸, ¡¸¢™ „œ¸¥¸¤š¸ í¸½, ˆ½Å ‚¸š¸¸£ œ¸£ ¡¸¸ ‚¸£¤¸ú‚¸ƒÄ ˆ½Å ¢™©¸¸ ¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ²Å. 1 œÏ¢÷¸ ¨¸ú¬¸ú‡ûöÅ ˆÅú ™£ ¬¸½ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾.
j) Investments in unquoted Venture Capital Fund (VCF)/Alternate Investments Funds (AIFs) are categorised, at the
discretion of the Bank, under HTM category for an initial period of three years and valued at cost during this period,
in accordance with the RBI guidelines. Such investments are transferred to the AFS category after completion of
the said period of three years from the date of disbursement and valued at NAV shown by the VCF in its financial
statements. At least once a year, the units are valued based on the latest audited financials of the VCF if available
or at Re 1 per VCF as per the RBI guidelines.

’) œ¸ú’ú¬¸ú ¢›¸¨¸½©¸ ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸Ê ˆ½Å¨¸¥¸ ‡‡ûҬ¸ ª½µ¸ú Ÿ¸Ê š¸¸¢£÷¸ ¢ˆÅ‡ Š¸‡ íÿ ÷¸˜¸¸ ƒ›¸ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ œ¸¢£œ¸Æ¨¸÷¸¸ œÏ¢÷¸ûÅ¥¸ (¨¸¸ƒÄ’ú‡Ÿ¸) ‚¸š¸¸£ œ¸£ ˆÊÅÍ
¬¸£ˆÅ¸£ ˆÅú ¬¸Ÿ¸÷¸º¥¡¸ œ¸¢£œ¸Æ¨¸÷¸¸ ¨¸¸¥¸ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅú ¨¸¸ƒÄ’ú‡Ÿ¸ ™£¸Ê œ¸£ „¢¸÷¸ ˆÅúŸ¸÷¸-¥¸¸Š¸÷¸ ‚¿÷¸£ œÏž¸¸¨¸ú ˆÅ£ ‡¨¸¿ ‡›¸¤¸ú‡ûŬ¸ú ¤¸¸Á›” œ¸£
¥¸¸Š¸» ˆÅúŸ¸÷¸-¥¸¸Š¸÷¸ ‚¿÷¸£ ˆ½Å ¬¸¸˜¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ƒ¬¸ œÏˆÅ¸£ ˆ½Å ˆÅúŸ¸÷¸-¥¸¸Š¸÷¸ ‚¿÷¸£ ÷¸˜¸¸ œÏ¡¸ºÆ÷¸ ¨¸¸ƒÄ’ú‡Ÿ¸ ™£Ê ‡ûŤ¸ú‚¸ƒÄ‡¥¸ ׸£¸ œÏˆÅ¸¢©¸÷¸
¬¸¿¤¸¿¢š¸÷¸ ™£ ˆ½Å ‚›¸º¬¸¸£ í¸½÷¸ú íÿ. .

320 Friendship That

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 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
k) PTC investments are presently held only under AFS category and are valued on Yield to Maturity (YTM) basis with
appropriate mark-up over the YTM rates for Central Government securities of equivalent maturity and the spreads
applicable are that of NBFC bonds. Such mark-up and YTM rates applied are as per the relevant rates published
by FBIL.

iv. ¢›¸¨¸½©¸¸Ê ˆÅú ª½¢µ¸¡¸¸Ê ˆ½Å ¤¸ú¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆ½Å ‚¿÷¸£µ¸ ˆÅú Š¸µ¸›¸¸ ‚¸£¤¸ú‚¸ƒÄ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ˆÅú ¸¸÷¸ú í¾.
Transfer of securities between categories of investments is accounted for as per the RBI guidelines.

v. ¢›¸¨¸½©¸¸Ê ˆÅú ¢¤¸ÇÅú ¬¸½ íº‡ ¥¸¸ž¸ ¡¸¸ í¸¢›¸ ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ¸Ÿ¸¸/ ›¸¸Ÿ¸½ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ÷¸˜¸¸¢œ¸ `œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸' ª½µ¸ú Ÿ¸Ê ¢›¸¨¸½©¸¸Ê ˆÅú ¢¤¸ÇÅú ¬¸½
íº‡ ¥¸¸ž¸ ˆÅ¸½ œ¸í¥¸½ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ¸Ÿ¸¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ „¬¸ˆ½Å ¤¸¸™ ¨¸«¸Ä/ ‚¨¸¢š¸ ˆÅú ¬¸Ÿ¸¸¦œ÷¸ œ¸£ ¥¸¸Š¸» ˆÅ£¸Ê ˆÅ¸½ ‹¸’¸ˆÅ£ ¢¨¸¢›¸¡¸¸½¢¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸
í¾ ‚¸¾£ ¬¸¸¿¢¨¸¢š¸ˆÅ ¢£{¸¨¸Ä ¬¸½ œ¸»¿¸úŠ¸÷¸ ¢£{¸¨¸Ä ‰¸¸÷¸½ Ÿ¸Ê ‚¿÷¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¢¤¸ÇÅú ¬¸½ íºƒÄ í¸¢›¸ ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾. ¢›¸¨¸½©¸¸Ê ˆÅú £¸¢©¸
œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸½ ‹¸’¸ˆÅ£ ™©¸¸Ä¡¸ú ¸¸÷¸ú í¾.
Profit or Loss on sale of investments is credited/ debited to Profit and Loss Account. However, profits on sale of
investments in ‘Held to Maturity’ category is first credited to Profit and Loss Account and thereafter appropriated, net of
applicable taxes and transfer to statutory reserves, to the Capital Reserve Account at the year/period end. Loss on sale
is recognized in the Profit and Loss Account. Investments are stated net of provisions.

‚›¸¸ÄˆÅ ¢›¸¨¸½©¸ / Non-Performing Investments

‚›¸¸ÄˆÅ ¢›¸¨¸½©¸¸½¿ ˆÅú œ¸í¸¸›¸ ˆÅú ¸¸÷¸ú í¾ ÷¸˜¸¸ „›¸ œ¸£ ‚¸£¤¸ú‚¸ƒÄ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ Ÿ¸»¥¡¸Ý¸¬¸ ˆÅ¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‡½¬¸½ ‚›¸¸ÄˆÅ ¢›¸¨¸½©¸ ˆÅ¸
Ÿ¸»¥¡¸Ý¸¬¸/ œÏ¸¨¸š¸¸›¸ ˆÅ¸½ ‚›¡¸ ‚¸ÄˆÅ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅú Ÿ¸»¥¡¸¨¸¼¢Ö ¬¸½ ¬¸Ÿ¸¸¡¸¸½¢¸÷¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¸¤¸ ÷¸ˆÅ ‚›¸¸ÄˆÅ ¢›¸¨¸½©¸¸Ê œ¸£ ¤¡¸¸¸ ›¸íú¿ ¢Ÿ¸¥¸÷¸¸ ÷¸¤¸ ÷¸ˆÅ
¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ƒ¬¸½ ™©¸¸Ä¡¸¸ ›¸íú¿ ¸¸÷¸¸ í¾.
Non-performing investments are identified and depreciation provisions are made thereon based on the RBI guidelines. The
depreciation / provision on such non-performing investments are not set off against the appreciation in respect of other
performing securities. Interest on non-performing investments is not recognized in the Profit and Loss Account until received.

‚¢š¸¢¨¸ÇÅ¡¸ / Short Sale

¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¤¸ÿˆÅ ˆ½Å›Í ¬¸£ˆÅ¸£ ˆÅú ¢™›¸¸¿¢ˆÅ÷¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê Ÿ¸Ê ‚¢š¸¢¨¸ÇÅ¡¸ ˆÅ£÷¸¸ í¾. ‚¢š¸¢¨¸ÇÅ¡¸ ¦¬˜¸¢÷¸¡¸¸Ê ˆÅ¸½ ‡¸‡ûÅ’ú ª½µ¸ú ˆ½Å ‚¿÷¸Š¸Ä÷¸
¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ¤¸¸{¸¸£ Ÿ¸»¥¡¸ ˆÅ¸½ ¤¸íú Ÿ¸Ê ‚¿¢ˆÅ÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¤¸¸{¸¸£ Ÿ¸»¥¡¸ ˆÅ¸½ ¤¸íú Ÿ¸Ê ‚¿¢ˆÅ÷¸ ˆÅ£›¸½ ¬¸½ íºƒÄ í¸¢›¸
ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê œÏž¸¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ¥¸¸ž¸, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆÅ¸½ ©¸¸¢Ÿ¸¥¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
The Bank undertakes short sale transaction Central Government dated securities in accordance with the RBI guidelines. The
short positions are categories under HFT category and are marked to market. The mark-to-market loss is charged to profit and
loss account and gain, if any, is ignored as per the RBI guidelines.

ƒÄ. £½œ¸¸½ ‡¨¸¿ ¢£¨¸¬¸Ä £½œ¸¸½ ¥¸½›¸-™½›¸

D. Repo and reverse repo transactions

¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£, ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ¨¸ ˆÅ¸Á£œ¸¸½£½’ †µ¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê (¸¥¸¢›¸¢š¸ ¬¸Ÿ¸¸¡¸¸½¸›¸ ¬¸º¢¨¸š¸¸ (`‡¥¸‡‡ûÅ') ¨¸ ¬¸úŸ¸¸¿÷¸ ‚¸œ¸¸÷¸ú
¬¸º¢¨¸š¸¸ (`‡Ÿ¸‡¬¸‡ûÅ') ˆ½Å ÷¸í÷¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ¬¸½ ¢ˆÅ‡ Š¸‡ ¥¸½›¸-™½›¸¸Ê ¬¸¢í÷¸) Ÿ¸Ê £½œ¸¸½ ¨¸ ¢£¨¸¬¸Ä £½œ¸¸½ ˆ½Å ¥¸½›¸-™½›¸ ÇÅŸ¸©¸À „š¸¸£ ¥¸½›¸½ ¨¸ „š¸¸£ ™½›¸½ ¨¸¸¥¸½ ¥¸½›¸-™½›¸¸Ê ˆ½Å
³ œ¸ Ÿ¸Ê ™©¸¸Ä‡ ¸¸÷¸½ íÿ. £½œ¸¸½ ¥¸½›¸-™½›¸¸Ê œ¸£ „š¸¸£ ¥¸¸Š¸÷¸ ˆÅ¸½ ¤¡¸¸¸ ¨¡¸¡¸ ˆ½Å ³ œ¸ Ÿ¸Ê ÷¸˜¸¸ ¢£¨¸¬¸Ä £½œ¸¸½ ¥¸½›¸-™½›¸ œ¸£ œÏ¸œ÷¸ £¸¸¬¨¸ ˆÅ¸½ ¤¡¸¸¸ ‚¸¡¸ ˆ½Å ³ œ¸ Ÿ¸Ê ¢í¬¸¸¤¸ Ÿ¸Ê
¢¥¸¡¸¸ ¸¸÷¸¸ í¾.
In accordance with the RBI guidelines repo and reverse repo transactions in government securities and corporate debt securities
(including transactions conducted under Liquidity Adjustment Facility (‘LAF’) and Marginal Standby Facility (‘MSF’) with the RBI)
are reflected as borrowing and lending transactions respectively. Borrowing cost on repo transactions is accounted as interest
expense and revenue on reverse repo transactions is accounted as interest income.

7. ”½¢£¨¸½¢’¨¸ ¥¸½›¸-™½›¸ / Derivative Transactions

``”½£½¨¸½¢’¨¸ ¥¸½›¸-™½›¸¸Ê Ÿ¸Ê ¨¸¸¡¸™¸ ¬¸¿¢¨¸™¸‡Â, ¬¨¸¾œ¸ ‚¸¾£ ¢¨¸ˆÅ¥œ¸ ©¸¸¢Ÿ¸¥¸ í¾ ¢¸›¸ˆÅ¸ œÏˆÅ’›¸ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‚¸Ê ˆ½Å ³ œ¸ Ÿ¸Ê ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¨¸¸¡¸™¸, ¬¨¸¾œ¸ ‚¸¾£ ¢¨¸ˆÅ¥œ¸¸Ê ˆÅ¸½
’ï½¢”¿Š¸ ¡¸¸ í½¸ ¥¸½›¸-™½›¸ ˆ½Å ³ œ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.''
“Derivative transactions comprise of forward contracts, swaps and options which are disclosed as contingent liabilities. The forwards,
swaps and options are categorized as trading or hedge transactions.”
`í½¸' ˆ½Å ³Åœ¸ Ÿ¸Ê ›¸¸¢Ÿ¸÷¸ ¥¸½›¸-™½›¸¸Ê Ÿ¸Ê/ In Transactions designated as ‘Hedge’:
ˆÅ) ÷¸º¥¸›¸-œ¸°¸ ˆÅú ‚¸¦¬÷¸¡¸¸Ê ‚¸¾£ ™½¡¸÷¸¸‚¸Ê ˆÅ¸½ í½¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ˆÅú Š¸ƒÄ ¬¨¸¾œ¸ ¬¸¿¢¨¸™¸‚¸Ê ˆÅú £¸›¸¸ ƒ¬¸ œÏˆÅ¸£ ˆÅú ¸¸÷¸ú í¾ ¢ˆÅ ¨¸½ ‚¿÷¸¢›¸Ä¢í÷¸ ÷¸º¥¸›¸-œ¸°¸ ˆÅú Ÿ¸™¸Ê ˆ½Å ¬¸¸˜¸
‡ˆÅ ¢¨¸œ¸£ú÷¸ ‚¸¾£ ¢ž¸››¸ œÏž¸¸¨¸ ™©¸¸Ä÷¸½ íÿ. ‡½¬¸½ ”½¢£¨¸½¢’¨¸ ¢¥¸‰¸÷¸ ‚¿÷¸¢›¸Ä¢í÷¸ ‚¸¦¬÷¸¡¸¸Ê ‚¸¾£ ™½¡¸÷¸¸‚¸Ê ˆ½Å ¬¸¸˜¸ ¬¸í¬¸¿¤¸Ö í¸½÷¸½ íÿ ÷¸˜¸¸ ƒ›¸ˆÅú Š¸µ¸›¸¸ í½¸ ¥¸½‰¸¸¿ˆÅ›¸
ˆ½Å ¢¬¸Ö¸¿÷¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ˆÅú ¸¸÷¸ú í¾. ¤¸ÿˆÅ ¥¸½›¸-™½›¸ ˆ½Å ©¸º³Å‚¸÷¸ Ÿ¸Ê í½¸ Ÿ¸™ (‚¸¦¬÷¸ ¡¸¸ ™½¡¸÷¸¸) ˆÅú œ¸í¸¸›¸ ˆÅ£÷¸¸ í¾.

dm{f©H$ [anmoQ>© Annual Report 2023-24 321

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
a) The swap contracts entered to hedge on-balance sheet assets and liabilities are structured such that they bear an opposite and
offsetting impact with the underlying on-balance sheet items. The impact of such derivative instruments is correlated with the
movement of underlying assets and liabilities and accounted pursuant to the principles of hedge accounting. The Bank identifies
the hedged item (asset or liability) at the inception of the transaction itself.

‰¸) ”½¢£¨¸½¢’¨¸ ¥¸½›¸-™½›¸¸Ê œ¸£ ™½¡¸/ œÏ¸œ¡¸ ¢›¸¨¸¥¸ ¤¡¸¸¸ ˆÅú Š¸µ¸›¸¸ „œ¸¸¡¸ ‚¸š¸¸£ œ¸£ ˆÅú ¸¸÷¸ú í¾.
b) Net interest payable/ receivable on derivative transactions is accounted on accrual basis.

Š¸) í½¸ ¬¨¸¾œ¸¸Ê ˆ½Å ‚¨¸¢š¸œ¸»¨¸Ä ¬¸Ÿ¸¸œ÷¸ í¸½›¸½ œ¸£ íº‡ ¥¸¸ž¸/í¸¢›¸ ˆÅ¸½ ¬¨¸¾œ¸ ˆÅú ©¸½«¸ ¬¸¿¢¨¸™¸÷Ÿ¸ˆÅ ‚¨¸¢š¸ ¡¸¸ ‚¸¦¬÷¸/ ™½¡¸÷¸¸ ˆÅú ©¸½«¸ ‚¨¸¢š¸, ¸¸½ ž¸ú ˆÅŸ¸ í¸½, ˆ½Å ‚¸š¸¸£ œ¸£
™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
c) On premature termination of hedge swaps, any profits/ losses are recognised over the remaining contractual life of the swap or
the residual life of the asset/ liability whichever is lesser.

‹¸) ‚¿÷¸¢›¸Ä¢í÷¸ ™½¡¸÷¸¸ Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ ¬¸½ í½¸ ¬¨¸¾œ¸¸Ê ˆÅ¸½ œ¸º›¸À ‚¢ž¸›¸¸¢Ÿ¸÷¸ ˆÅ£›¸½ ˆÅ¸½ ‡ˆÅ í½¸ ˆÅú ¬¸Ÿ¸¸¦œ÷¸ ‚¸¾£ ™»¬¸£½ ˆÅ¸ ‚¸Ä›¸ Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾.
d) Re-designation of hedge swaps by change of underlying liability is accounted as the termination of one hedge and acquisition
of another.

‹¸) í½¸ ˆÅú œÏž¸¸¨¸©¸ú¥¸÷¸¸ ˆÅ¸ œ¸÷¸¸ í½¸ ˆÅú ©¸º³Å‚¸÷¸ ˆ½Å ¬¸Ÿ¸¡¸ ‚¸¾£ „¬¸ˆ½Å ¤¸¸™ ‚¸¨¸¢š¸ˆÅ ‚¸š¸¸£ œ¸£ ¥¸Š¸¸¡¸¸ ¸¸÷¸¸ í¾. 26 ¸»›¸ 2019 ˆÅ¸½ ¸¸£ú ‚¸£¤¸ú‚¸ƒÄ ˆ½Å œ¸¢£œ¸°¸
œ¸£ ‚¸š¸¸¢£÷¸ 26 ¸»›¸ 2019 ˆ½Å ¤¸¸™ ¬˜¸¸¢œ¸÷¸ í½¸ ¬¸¿¤¸¿š¸¸Ê ˆÅ¸ ¥¸½‰¸¸¿ˆÅ›¸ ‚¸ƒÄ¬¸ú‡‚¸ƒÄ ׸£¸ ¸¸£ú ”½¢£¨¸½¢’¨¸ ¬¸¿¢¨¸™¸‚¸Ê ˆ½Å ¢¥¸‡ ¥¸½‰¸¸¿ˆÅ›¸ œ¸£ ¢›¸™½Ä©¸ˆÅ ›¸¸½’ ˆ½Å
‚›¸º¬¸¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. í½¸ ¬¸¿¤¸¿š¸¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¬¨¸¾œ¸ ¸¸½ „¬¸ ÷¸¸£ú‰¸ ¬¸½ œ¸í¥¸½ ¬˜¸¸¢œ¸÷¸ ¢ˆÅ‡ Š¸‡ í¸½, ˆÅú Š¸µ¸›¸¸ „œ¸¸¡¸ ‚¸š¸¸£ œ¸£ ˆÅú ¸¸÷¸ú í¾ ‚¸¾£ „›¸ˆÅú Š¸µ¸›¸¸
÷¸¤¸ ÷¸ˆÅ ¤¸¸¸¸£ Ÿ¸»¥¡¸ ˆ½Å ‚›¸º¬¸¸£ ›¸íú¿ ˆÅú ¸¸÷¸ú ¸¤¸ ÷¸ˆÅ ¢ˆÅ „¬¸ˆ½Å ‚¿÷¸¢›¸Ä¢í÷¸ Ÿ¸»¥¡¸ ˆÅ¸½ ž¸ú ¤¸¸¸¸£ Ÿ¸»¥¡¸ ˆ½Å ‚›¸º¬¸¸£ ‚¿¢ˆÅ÷¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸. ¤¸¸¸¸£ Ÿ¸»¥¡¸ ˆÅ¸½
‚¿¢ˆÅ÷¸ ˆÅ£›¸½ ¨¸¸¥¸½ í½¸ ˆÅ£¸£¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¤¸¸¸¸£ Ÿ¸»¥¡¸ Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸¸Ê ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
e) Hedge effectiveness is ascertained at the time of the inception of the hedge and periodically thereafter. Based on the RBI circular
issued on June 26, 2019, the accounting of hedge relationships established after June 26, 2019 is in accordance with the
Guidance note on Accounting for Derivative Contracts issued by ICAI. The swaps under hedge relationships established prior
to that date are accounted on an accrual basis and are not marked to market unless the underlying is also marked to market.
In respect of hedge contracts that are marked to market, changes in the market value are recognized in the profit and loss
account.

`’ï½¢”¿Š¸' ˆ½Å ³Åœ¸ Ÿ¸Ê ›¸¸¢Ÿ¸÷¸ ¥¸½›¸-™½›¸¸Ê Ÿ¸Ê / In Transactions designated as ‘Trading’:

ˆÅ) `’ï½¢”¿Š¸' ˆ½Å ¢¥¸‡ ›¸¸¢Ÿ¸÷¸ ¤¸ˆÅ¸¡¸¸ ”½¢£¨¸½¢’¨¸ ¥¸½›¸-™½›¸¸Ê ˆÅú Š¸µ¸›¸¸ „›¸ˆ½Å „¢¸÷¸ Ÿ¸»¥¡¸ œ¸£ ˆÅú ¸¸÷¸ú í¾ ¢¸›¸Ÿ¸Ê ¤¡¸¸¸ ™£ ¬¨¸¾œ¸, œ¸£¬œ¸£ Ÿ¸ºÍ¸ ¬¨¸¾œ¸, œ¸£¬œ¸£ Ÿ¸ºÍ¸ ¢¨¸ˆÅ¥œ¸
‡¨¸¿ †µ¸ ¸»ˆÅ ¬¨¸¾œ¸ ©¸¸¢Ÿ¸¥¸ íÿ. ƒ¬¸ˆ½Å ûÅ¥¸¬¨¸³ œ¸ íº‡ ¥¸¸ž¸/ í¸¢›¸ ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¢¨¸ˆÅ¥œ¸¸Ê œ¸£ œÏú¢Ÿ¸¡¸Ÿ¸ ˆÅ¸½ ÷¸º¥¸›¸-œ¸°¸ ˆÅú Ÿ¸™ ˆ½Å
³ œ¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ƒ¬¸½ œ¸¢£œ¸Æ¨¸÷¸¸/ ¢›¸£¬÷¸ í¸½›¸½ œ¸£ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ‚¿÷¸¢£÷¸ ˆÅ£ ¢™¡¸¸ ¸¸÷¸¸ í¾.
a) Outstanding derivative transactions designated as ‘Trading’, which includes interest rate swaps, cross currency swaps, cross
currency options and credit default swaps, are measured at their fair value. The resulting profits/ losses are included in the
profit and loss account. Premium on options is recorded as a balance sheet item and transferred to Profit and Loss Account on
maturity/ cancellation.

‰¸) ‡Æ¬¸¸Ê¸ ’ï½”½” ˆÅ£Ê¬¸ú É¡¸»¸¬¸Ä (ƒÄ’ú¬¸ú‡ûÅ) ‰¸¿”¸Ê Ÿ¸Ê ’ï½¢”¿Š¸ ˆ½Å ¢¥¸‡ ›¸¸¢Ÿ¸÷¸ ”½¢£¨¸½¢’¨¸ ¥¸½›¸-™½›¸¸Ê Ÿ¸Ê Ÿ¸ºÍ¸ É¡¸»¸¬¸Ä, Ÿ¸ºÍ¸ ‚¸Áœ©¸›¬¸ ‚¸¾£ ¤¡¸¸¸ ™£ É¡¸»¸¬¸Ä ©¸¸¢Ÿ¸¥¸
íÿ, ¢¸›¸ˆÅú Š¸µ¸›¸¸ „›¸ˆ½Å „¢¸÷¸ Ÿ¸»¥¡¸ œ¸£ ˆÅú ¸¸÷¸ú í¾ ‚¸¾£ ›¸ˆÅ™ú ¢›¸œ¸’¸›¸ ’ú+1 ‚¸š¸¸£ œ¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ƒ›¸ ¥¸½›¸-™½›¸¸Ê ¬¸½ íº‡ ¥¸¸ž¸/í¸¢›¸ ˆÅ¸½ ¬¸¿¤¸¿¢š¸÷¸ ‡Æ¬¸¸Ê¸¸Ê
׸£¸ ¢›¸š¸¸Ä¢£÷¸ ˆÅú Š¸ƒÄ Ÿ¸¸í ˆ½Å ‚¿÷¸ Ÿ¸Ê ¢›¸œ¸’¸›¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ¥¸¸ž¸- í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ‚¿÷¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
b) Derivative Transactions in Exchange Traded Currency Futures (ETCF’s) segments designated as trading includes Currency
Futures, Currency Options and Interest Rate Futures which are measured at their fair value and are cash settled on T+1 basis.
The resulting profits / losses on these transactions are transferred to Profit and Loss Account on the month end settlement date
stipulated by Respective Exchanges.

Š¸) ``’ï½¢”¿Š¸'' ˆ½Å ³Åœ¸ Ÿ¸Ê ›¸¸¢Ÿ¸÷¸ ²Åœ¸¡¸¸ ”½¢£¨¸½¢’¨¸ œ¸£ ‚¸¡¸ ˆÅ¸½ ¨¸¬¸»¥¸ú ‚¸š¸¸£ œ¸£ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾.
c) Income on Rupee Derivatives designated as "Trading" is recognised in the Profit and Loss Account on realisation basis.

‹¸) ”½¢£¨¸½¢’¨¸ ¬¸¿¢¨¸™¸‚¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢ˆÅ¬¸ú ž¸ú œÏ¸œ¡¸£¸¢©¸, ¸¸½ 90 ¢™›¸ ¬¸½ ‚¢š¸ˆÅ ˆ½Å ¢¥¸‡ ‚¢÷¸™½¡¸ £í÷¸ú í¾, ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ ˆ½Å ¸¢£¡¸½ `„¸¿÷¸ ‰¸¸÷¸¸ ¢›¸¢©¸÷¸
œÏ¸œ¡¸£¸¢©¸¡¸¸¿' Ÿ¸Ê ¢£¨¸¬¸Ä ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
d) Any receivable under derivative contracts, which remain overdue for more than 90 days, are reversed through Profit and Loss
Account to “Suspense Account Crystallised Receivables”.

322 Friendship That

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Schedules to the Financial Statements
8 œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ œÏ¸œ÷¸ ®¸½°¸ ˆÅ¸½ „š¸¸£ ˆÅ¸ œÏŸ¸¸µ¸-œ¸°¸ / Priority Sector Lending Certificates
¤¸ÿˆÅ œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ - œÏ¸œ÷¸ ®¸½°¸ ˆÅ¸½ „š¸¸£ ˆ½Å œÏŸ¸¸µ¸-œ¸°¸ (œ¸ú‡¬¸‡¥¸¬¸ú) ˆ½Å ÇÅ¡¸ ¡¸¸ ¢¨¸ÇÅ¡¸ ˆ½Å ¥¸½›¸-™½›¸ ˆÅ£÷¸¸ í¾. ¢¤¸ÇÅú ¥¸½›¸-™½›¸ ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê, ¤¸ÿˆÅ ‚¸£¤¸ú‚¸ƒÄ ˆ½Å ’ï½¢”¿Š¸
œ¥¸¾’ûöŸŸ¸Ä œ¸£ œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ - œÏ¸œ÷¸ ®¸½°¸ ˆÅ¸½ „š¸¸£ ™¸¢¡¸÷¨¸¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¢¤¸ÇÅú ˆÅ£÷¸¸ í¾ ‚¸¾£ ‰¸£ú™ ¥¸½›¸™½›¸ ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê, ¤¸ÿˆÅ œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ - œÏ¸œ÷¸ ®¸½°¸ ˆÅ¸½ „š¸¸£
™¸¢¡¸÷¨¸¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ÇÅ¡¸ ˆÅ£÷¸¸ í¾. ¸¸½¢‰¸Ÿ¸ ¡¸¸ †µ¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ ˆÅ¸½ƒÄ ‚¿÷¸£µ¸ ›¸íú¿ í¸½÷¸¸ í¾. œ¸ú‡¬¸‡¥¸¬¸ú ˆÅú ¢¤¸ÇÅú ¬¸½ œÏ¸œ÷¸ ©¸º¥ˆÅ ˆÅ¸½ ¢¨¸¢¨¸š¸ ‚¸¡¸ ˆ½Å ³ œ¸
Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ œ¸ú‡¬¸‡¥¸¬¸ú ˆÅú ‰¸£ú™ ˆ½Å ¢¥¸‡ ‚™¸ ¢ˆÅ‡ Š¸‡ ©¸º¥ˆÅ ˆÅ¸½ ‚›¡¸ ¨¡¸¡¸ ˆ½Å ³ œ¸ Ÿ¸Ê ¥¸¸ž¸-í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê ¢£ˆÅ¸Á”Ä ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ƒ›¸ˆÅ¸½ œÏŸ¸¸µ¸ œ¸°¸ ˆÅú
‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ œ¸¢£©¸¸½¢š¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
The Bank enters into transactions for the sale or purchase of Priority Sector Lending Certificates (PSLCs). In the case of a sale
transaction, the Bank sells the fulfilment of priority sector obligation and in the case of a purchase transaction the Bank buys the
fulfilment of priority sector obligation through the RBI trading platform. There is no transfer of risks or loan assets. The fee received for
the sale of PSLCs is recorded as miscellaneous income and the fee paid for purchase of the PSLCs is recorded as other expenditure
in Profit and Loss Account. These are amortised over the period of the Certificate.

9 ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸¿ ‡¨¸¿ Ÿ¸»¥¡¸Ý¸¬¸ (¬¸¿œ¸¢î¸ ¬¸¿¡¸¿°¸ ‚¸¾£ „œ¸ˆÅ£µ¸)

Fixed Assets and Depreciation (Property Plant and Equipment)
i. ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸Ê, œ¸¢£¬¸£ ˆÅ¸½ Ž¸½”õˆÅ£, ˆÅ¸½ ¬¸¿¢¸÷¸ Ÿ¸»¥¡¸Ý¸¬¸ ‹¸’¸ˆÅ£ ¥¸¸Š¸÷¸ œ¸£ ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾. œ¸¢£¬¸£ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¤¸ÿˆÅ ˆÅú ›¸ú¢÷¸ ÷¸˜¸¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å
¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ „¬¸½ ¬¸¿¢¸÷¸ Ÿ¸»¥¡¸Ý¸¬¸ ‹¸’¸ˆÅ£ œ¸º›¸Ÿ¸»Ä¦¥¡¸÷¸ £¸¢©¸ œ¸£ ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾.
Fixed assets other than Premises are stated at cost less accumulated depreciation. Premises are revalued in accordance with
the Bank’s policy and the RBI guidelines and the same are stated at revalued amount less accumulated depreciation.

ii. œ¸’Ã’½š¸¼÷¸ œ¸¢£¬¸£¸Ê ˆ½Å ¬¸ºš¸¸£ Ÿ¸Ê ¢ˆÅ‡ Š¸‡ ¨¡¸¡¸ ˆÅ¸½ œ¸’Ã’½ ˆÅú ¤¸¸ú íºƒÄ œÏ¸˜¸¢Ÿ¸ˆÅ ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ ¢¨¸¥¸¸½¢œ¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Improvements to lease hold premises are charged off over the remaining primary period of lease.

iii. ‚¸¦¬÷¸ ˆÅú ¥¸¸Š¸÷¸ Ÿ¸Ê ÇÅ¡¸ ¥¸¸Š¸÷¸ ‚¸¾£ „œ¸¡¸¸½Š¸ Ÿ¸Ê ¥¸¸›¸½ ¬¸½ œ¸»¨¸Ä ‚¸¦¬÷¸ œ¸£ „œ¸Š¸÷¸ ¬¸ž¸ú ¨¡¸¡¸ ©¸¸¢Ÿ¸¥¸ í¸½÷¸½ íÿ. „œ¸¡¸¸½Š¸ Ÿ¸Ê ¥¸¸¡¸½ ¸¸›¸½ œ¸£ ‚¸¦¬÷¸¡¸¸Ê œ¸£ „œ¸Š¸÷¸
‚›¸º¨¸÷¸úÄ ¨¡¸¡¸ ˆÅ¸½ ÷¸ž¸ú œ¸»¿¸úˆ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ¨¸í ‡½¬¸ú ‚¸¦¬÷¸¡¸¸Ê ¬¸½ ž¸¸¨¸ú ¥¸¸ž¸ ¡¸¸ „›¸ˆÅú ˆÅ¸¡¸Ä®¸Ÿ¸÷¸¸ ¤¸õ¸÷¸¸ í¾.
Cost of asset includes purchase cost and all expenditure incurred on the asset before put to use. Subsequent expenditure
incurred on assets which have been put to use is capitalized only when it increases the future benefits from such assets or their
functioning capability.

iv. œ¸º›¸Ÿ¸»Ä¥¡¸›¸ œ¸£ Ÿ¸»¥¡¸¨¸¼¢Ö, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆÅ¸½ œ¸º›¸Ÿ¸»Ä¥¡¸›¸ ¢£{¸¨¸Ä Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
The appreciation on revaluation, if any, is credited to Revaluation Reserve.

v. ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê Ÿ¸»¥¡¸Ý¸¬¸ ˆÅú Š¸µ¸›¸¸ ¥¸¸Š¸÷¸ ¡¸¸ œ¸º›¸Ÿ¸»Ä¦¥¡¸÷¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê œ¸º›¸Ÿ¸»Ä¦¥¡¸÷¸ £¸¢©¸ œ¸£ ¬¸úš¸ú £½‰¸¸ œ¸Ö¢÷¸ ׸£¸ ˆÅú ¸¸÷¸ú í¾.
Depreciation in respect of fixed assets is calculated on Straight Line Method with reference to cost or revalued amounts, in case
of assets revalued.

vi. œ¸º›¸Ÿ¸»Ä¦¥¡¸÷¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê, œ¸º›¸Ÿ¸»Ä¥¡¸›¸ ˆ½Å ûÅ¥¸¬¨¸³ œ¸ ‚¢÷¸¢£Æ÷¸ Ÿ¸»¥¡¸Ý¸¬¸ ˆÅ¸½ ÷¸º¥¸›¸ œ¸°¸ Ÿ¸Ê œ¸º›¸Ÿ¸»Ä¥¡¸›¸ ¢£{¸¨¸Ä ¬¸½ ¬¸¸Ÿ¸¸›¡¸ ¢£{¸¨¸Ä Ÿ¸Ê ‚¿÷¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸
í¾.
In respect of revalued assets, the additional depreciation consequent to revaluation is transferred from revaluation reserve to
general reserve in the balance sheet.

vii. ` 5000 ¬¸½ ˆÅŸ¸ ¥¸¸Š¸÷¸ ˆÅú ‡ˆÅ¥¸ ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ œ¸í¥¸½ œ¸»¿¸úˆ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ¢ûÅ£ „›¸ˆ½Å ‚¸Ä›¸ ˆ½Å ¨¸«¸Ä Ÿ¸Ê íú œ¸»µ¸Ä÷¸À Ÿ¸»¥¡¸Ý¸¢¬¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Fixed assets individually costing less than ` 5,000/- are first capitalized and then fully depreciated in the year of
addition.

viii. Š¸¸½¸£ ‚¸¦¬÷¸¡¸¸Ê œ¸£ Ÿ¸»¥¡¸Ý¸¬¸ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú ‚›¸º¬¸»¸ú II ˆ½Å ž¸¸Š¸ ¬¸ú ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢›¸š¸¸Ä¢£÷¸ ³ œ¸ Ÿ¸Ê ‚¸¦¬÷¸ ˆ½Å „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ ˆ½Å ™¸¾£¸›¸
¢¨¸¢›¸š¸¸¢›¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ ÷¸˜¸¸ ‚¨¸¢©¸«’ Ÿ¸»¥¡¸ ˆÅú ‚¸¨¸¢š¸ˆÅ ³ œ¸ ¬¸½ ¬¸Ÿ¸ú®¸¸ ˆÅú ¸¸÷¸ú í¾. ¡¸¢™ œÏ¤¸¿š¸›¸ ˆ½Å ‚›¸ºŸ¸¸›¸ ˆ½Å ‚›¸º¬¸¸£, ¢ˆÅ¬¸ú ‚¸¦¬÷¸
ˆÅ¸½ ‚¢¸Ä÷¸ ˆÅ£÷¸½ ¬¸Ÿ¸¡¸ „¬¸ ‚¸¦¬÷¸ ˆ½Å ‚›¸ºŸ¸¸¢›¸÷¸ ¸ú¨¸›¸ˆÅ¸¥¸ ¡¸¸ ¤¸¸™ Ÿ¸Ê ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸½ œ¸£ „¬¸ˆÅ¸ ©¸½«¸ „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ ˆÅŸ¸ í¸½ ¸¸÷¸¸ í¾ ÷¸¸½ œÏ¤¸¿š¸›¸ ׸£¸
„œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸/©¸½«¸ „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ ˆ½Å ‚›¸ºŸ¸¸›¸ ˆ½Å ‚¸š¸¸£ œ¸£ Ÿ¸»¥¡¸Ý¸¬¸ ˆÅú …¿¸ú ™£ ¥¸Š¸¸¡¸ú ¸¸÷¸ú í¾.
Depreciation on tangible assets is allocated over useful life of the asset as prescribed under Part C of Schedule II of the
Companies Act 2013. The useful lives and residual values are reviewed periodically. If the management estimate of
the useful life of an asset at the time of acquisition of the asset or of remaining useful life on subsequent review is
shorter, depreciation is provided at a higher rate based on the management’s estimate of useful life / remaining
useful life.

dm{f©H$ [anmoQ>© Annual Report 2023-24 323

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
ix. ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸Ê ˆ½Å œ¸¢£¨¸š¸Ä›¸ / ¢¤¸ÇÅú œ¸£ Ÿ¸»¥¡¸Ý¸¬¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¨¸¸¬÷¸¨¸ Ÿ¸Ê š¸¸¢£÷¸ ˆÅ£›¸½ ˆÅú ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ¥¸Š¸¸¡¸¸ ¸¸÷¸¸ í¾.
Depreciation on additions/ sale of fixed assets during the year is provided for the period for which assets are actually held.

x. ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾À

The useful lives of Fixed assets are as follows:

‚¸¦¬÷¸ „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ (¨¸«¸¸½ô Ÿ¸Ê)

Asset Useful Life (in Years)

¬¨¸¸¢Ÿ¸÷¨¸ ¨¸¸¥¸½ œ¸¢£¬¸£ / Owned Premises 60

ûÅ›¸úč¸£ ‡¨¸¿ ¢ûÅƬ¸¸¬¸Ä / Furniture and fixtures 10

¢¤¸¸¥¸ú ¬¸¿¬˜¸¸œ¸›¸¸ ‡¨¸¿ Ÿ¸©¸ú›¸£ú / Electrical installation and machinery 10

Ÿ¸¸½’£ ¨¸¸í›¸ / Motor vehicles 8

ˆ¿Åœ¡¸»’£ / Computers 3

¬¨¸¸¸¢¥¸÷¸ ’½¥¸£ Ÿ¸©¸ú›¸ / Automated Teller Machines 8

¨¸ú-¬¸¾’ „œ¸ˆÅ£µ¸ / VSAT equipment 6

ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å œ¸¸¬¸ ¢’ˆÅ¸… „œ¸ž¸¸½Æ÷¸¸ ¨¸¬÷¸º‡¿ / Consumer durables with employees
ˆÅ) ûÅ›¸úč¸£ ‡¨¸¿ ¢ûÅƬ¸¸£ 10
a) Furniture and fixtures

‰¸) œ¸¬¸Ä›¸¥¸ ˆ¿Åœ¡¸»’£ 3

b) Personal Computers

xi. œ¸’Ã’¸š¸¼÷¸ ž¸»¢Ÿ¸ ˆÅ¸½ œ¸’Ã’½ ˆÅú ‚¨¸¢š¸ Ÿ¸Ê œ¸¢£©¸¸½¢š¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. œ¸’Ã’½š¸¼÷¸ ¬¸ºš¸¸£ ˆÅ¸½ „¬¸ú ‚¸¦¬÷¸ ª½µ¸ú ˆÅú œ¸»¿¸ú Ÿ¸Ê œ¸¢£¢µ¸÷¸ ÷¸˜¸¸ œ¸’Ã’½ ˆÅú ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸
œ¸¢£©¸¸½¢š¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. .
Leasehold land is amortized over the period of lease. Leasehold improvements are capitalized in the same asset category and
amortized over period of lease.

xii. ` 2.50 ¥¸¸‰¸ ¬¸½ ‚¢š¸ˆÅ £¸¢©¸ ¨¸¸¥¸½ œÏ÷¡¸½ˆÅ ˆ¿Åœ¡¸»’£ ¬¸¸ÁÉ’¨¸½¡¸£ ˆÅ¸½ œ¸»¿¸úˆ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ 6 ¨¸«¸Ä ¬¸½ ‚›¸¢š¸ˆÅ ‚¨¸¢š¸ Ÿ¸Ê ƒ¬¸ˆ½Å „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ Ÿ¸Ê
Ÿ¸»¥¡¸Ý¸¢¬¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Computer Software individually costing more than ` 2.50 lacs is capitalized and depreciated over its useful life, not exceeding 6
years.

10 œÏ¢÷¸ž¸»÷¸úˆÅ£µ¸ ¥¸½›¸-™½›¸À
Securitisation Transactions:
¢¨¸¢ž¸››¸ †µ¸¸Ê ˆ½Å œÏ¢÷¸ž¸»÷¸úˆÅ£µ¸ ¬¸½ ƒ›¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¢¨¸©¸½«¸ œÏ¡¸¸½¸›¸ ¨¸¸¥¸ú ¬¸¿¬˜¸¸‚¸Ê (‡¬¸œ¸ú¨¸ú) ˆÅ¸½ ¢¤¸ÇÅú í¸½÷¸ú í¾, ¸¸½ ƒ¬¸ˆ½Å ¤¸™¥¸½ ¢›¸¨¸½©¸ˆÅ¸Ê ˆÅ¸½ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ¸¸£ú ˆÅ£÷¸ú
íÿ. œÏ¢÷¸ž¸»¢÷¸ˆ¼Å÷¸ ‚¸¦¬÷¸¡¸¸Ê ¨¸¸¥¸½ ‚›¸º¤¸¿¢š¸÷¸ ‚¢š¸ˆÅ¸£¸Ê œ¸£ ¸¤¸ ¢›¸¡¸¿°¸µ¸ ›¸íú¿ £í÷¸¸ í¾ ÷¸¸½ ‡½¬¸ú ¢¨¸î¸ú¡¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ‚¸¿¢©¸ˆÅ ‚˜¸¨¸¸ œ¸»µ¸Ä÷¸À ‚Ÿ¸¸›¡¸ ˆÅ£ ¢™¡¸¸ ¸¸÷¸¸ í¾. ¤¸ÿˆÅ,
¢¤¸ÇÅú ˆ½Å ¬¸Ÿ¸¡¸ íú í¸½›¸½ ¨¸¸¥¸ú í¸¢›¸ ˆÅ¸½ ÷¸º£¿÷¸ ¢í¬¸¸¤¸ Ÿ¸Ê ¥¸½÷¸¸ í¾ ‚¸¾£ ¢¤¸ÇÅú ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³ œ¸ íº‡ ¥¸¸ž¸/œÏú¢Ÿ¸¡¸Ÿ¸ ˆÅ¸½ „¬¸ ‡¬¸œ¸ú¨¸ú ׸£¸, ¢¸¬¸½ ‚¸¦¬÷¸¡¸¸¿ ¤¸½¸ú Š¸ƒÄ íÿ, ¸¸£ú
ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ‚˜¸¨¸¸ ¸¸£ú ˆÅú Š¸ƒÄ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆ½Å ¸ú¨¸›¸ ˆÅ¸¥¸ Ÿ¸Ê œ¸¢£©¸¸½¢š¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Securitization of various loans results in sale of these assets to Special Purpose Vehicles (‘SPVs’), which, in turn issue securities to
investors. Financial assets are partially or wholly derecognized when the control over the contractual rights in the securitized assets is
lost. The Bank accounts for any loss arising on sale immediately at the time of sale and the profit/ premium arising on account of sale
is amortized over the life of the securities issued/ to be issued by the SPV to which the assets are sold.

11 œÏ¢÷¸ž¸»÷¸úˆÅ£µ¸ ˆ¿Åœ¸¢›¸¡¸¸Ê/ œ¸º›¸¬¸ô£¸›¸¸ ˆ¿Åœ¸¢›¸¡¸¸Ê ˆÅ¸½ ¢¨¸î¸ú¡¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¢¤¸ÇÅúÀ

Sale of financial assets to Securitization Companies/ Reconstruction Companies:
œÏ¢÷¸ž¸»÷¸úˆÅ£µ¸ ˆ¿Åœ¸¢›¸¡¸¸Ê (‡¬¸¬¸ú)/œ¸º›¸¬¸ô£¸›¸¸ ˆ¿Åœ¸¢›¸¡¸¸Ê (‚¸£¬¸ú) ˆÅ¸½ ¢¨¸î¸ú¡¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¢¤¸ÇÅú ˆÅú Š¸µ¸›¸¸ œÏ¸œ÷¸ œÏ¢÷¸ž¸»¢÷¸ £¬¸ú™¸Ê (‡¬¸‚¸£)/ œ¸¸¬¸ ˜Ï» œÏŸ¸¸µ¸œ¸°¸
(œ¸ú’ú¬¸ú) ˆ½Å Ÿ¸¸½¸›¸ Ÿ¸»¥¡¸ ‚¸¾£ ¢¨¸î¸ú¡¸ ‚¸¦¬÷¸ ˆ½Å ¢›¸¨¸¥¸ ¤¸íú Ÿ¸»¥¡¸, ¸¸½ ž¸ú ˆÅŸ¸ í¸½, œ¸£ ˆÅú ¸¸÷¸ú í¾.

324 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
Sale of financial assets to Securitization Companies (SCs) / Reconstruction Companies (RCs) is reckoned at the lower of the redemption
value of Security Receipts (SRs)/ Pass through Certificates (PTCs) received and the net book value of the financial asset.

‚¸¦¬÷¸¡¸¸Ê ˆÅú ¢¤¸ÇÅú, ¢¸¬¸ˆ½Å ¢¥¸‡ œ¸»µ¸Ä œÏ¸¨¸š¸¸›¸úˆÅ£µ¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ÷¸˜¸¸ ÷¸ˆÅ›¸úˆÅú ³Åœ¸ ¬¸½ ¤¸’Ã’½ ‰¸¸÷¸½ Ÿ¸Ê ”¸¥¸¸ Š¸¡¸¸ í¾, ˆ½Å Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê œÏ¢÷¸ž¸»¢÷¸ £¬¸ú™¸Ê (‡¬¸‚¸£) ˆÅú Š¸µ¸›¸¸
¤¸ÿˆÅ ˆÅú ¢›¸¨¸½©¸ ¤¸íú Ÿ¸Ê ‡ˆÅ ²Åœ¸¡¸½ Ÿ¸¸›¸ ˆÅ£ ˆÅú ¸¸÷¸ú í¾.
In case of sale of assets which are fully provided and Technically Written off, the Security Receipts (SRs) are reckoned at Rupee one in
the investment book of the Bank.

¡¸¢™ ¢¤¸ÇÅú Ÿ¸»¥¡¸ ¢›¸¨¸¥¸ ¤¸íú Ÿ¸»¥¡¸ (‡›¸¤¸ú¨¸ú) (‚˜¸¸Ä÷¸Ã š¸¸¢£÷¸ œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸½ ‹¸’¸ˆÅ£ ¤¸íú Ÿ¸»¥¡¸) ¬¸½ ˆÅŸ¸ í¾ ÷¸¸½ ˆÅŸ¸ú ˆÅ¸½ „¬¸ ¨¸«¸Ä ˆ½Å ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ›¸¸Ÿ¸½ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
In case the sale value is at a price below the Net Book Value (NBV) (i.e., book value less provision held), the shortfall is be debited to
the profit and loss account of that year.

¡¸¢™ ¢¤¸ÇÅú Ÿ¸»¥¡¸ ¢›¸¨¸¥¸ ¤¸íú Ÿ¸»¥¡¸ (‡›¸¤¸ú¨¸ú) ¬¸½ „¸÷¸£ Ÿ¸»¥¡¸ œ¸£ í¾ ÷¸¸½ ‚¸¢š¸Æ¡¸ œÏ¸¨¸š¸¸›¸ ˆÅ¸½ „¬¸ ¨¸«¸Ä ˆ½Å ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê œÏ¢÷¸¨¸¢÷¸Ä÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢¸¬¸Ÿ¸Ê ›¸ˆÅ™ £¸¢©¸
œÏ¸œ÷¸ íºƒÄ í¸½. ÷¸˜¸¸¢œ¸ ‚¸¢š¸Æ¡¸ œÏ¸¨¸š¸¸›¸ ˆÅ¸ œÏ¢÷¸¨¸÷¸Ä›¸ œÏ¸œ÷¸ ›¸ˆÅ™ú ˆ½Å ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¢›¸¨¸¥¸ ¤¸íú Ÿ¸»¥¡¸ ¬¸½ ‚¢š¸ˆÅ í¸½›¸½ ˆÅú ¬¸úŸ¸¸ ÷¸ˆÅ ¬¸ú¢Ÿ¸÷¸ £í½Š¸¸.
In case, sale value is higher than the NBV, the excess provision is reversed to the profit and loss account in the year in which cash
amounts are received. However, such reversal of excess provision is limited to the extent to which cash received exceeds the NBV of
the asset.

12. ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¥¸½›¸-™½›¸À

Foreign Currency Transactions:
i. ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¥¸½›¸-™½›¸¸Ê ˆÅ¸½ ‚¸£¿¢ž¸ˆÅ ‚¢ž¸¢›¸š¸¸Ä£µ¸ œ¸£ ¥¸½›¸-™½›¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ œÏ¸¢¥¸÷¸ ¢¨¸¢›¸Ÿ¸¡¸ ™£ œ¸£ ™¸Ä ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. Ÿ¸¸¾¢ÍˆÅ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ‚¸¦¬÷¸¡¸¸Ê ‚¸¾£
™½¡¸÷¸¸‚¸Ê ˆÅ¸½ ž¸¸£÷¸ú¡¸ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¨¡¸¸œ¸¸£ ¬¸¿‹¸ (û½Å”¸ƒÄ) ׸£¸ ¢›¸š¸¸Ä¢£÷¸ ¤¸¿™ ™£¸Ê œ¸£ ³ œ¸¸¿÷¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ƒ¬¸ˆ½Å ûÅ¥¸¬¨¸³ œ¸ í¸½›¸½ ¨¸¸¥¸½ ¥¸¸ž¸ ¡¸¸ í¸¢›¸
ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾. Ÿ¸¸¾¢ÍˆÅ Ÿ¸™¸Ê ˆ½Å ¢›¸œ¸’¸›¸ ¬¸½ „÷œ¸››¸ í¸½›¸½ ¨¸¸¥¸½ ¢¨¸¢›¸Ÿ¸¡¸ ‚¿÷¸£¸Ê ˆÅ¸½ „¬¸ ‚¨¸¢š¸ ˆÅú ‚¸¡¸ ¡¸¸ ¨¡¸¡¸ ˆ½Å ³ œ¸ Ÿ¸Ê Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾
¢¸¬¸Ÿ¸Ê ¨¸½ „÷œ¸››¸ í¸½÷¸½ íÿ.
Foreign currency transactions, on initial recognition are recorded at the exchange rate prevailing on the date of transaction.
Monetary foreign currency assets and liabilities are translated at the closing rates prescribed by Foreign Exchange Dealers
Association of India (FEDAI) and the resultant gain or loss is recognized in the Profit and Loss account. Exchange differences
arising on the settlement of monetary items are recognized as income or expense in the period in which they arise.

ii. ‡½¬¸ú ¨¸¸¡¸™¸ ¢¨¸¢›¸Ÿ¸¡¸ ¬¸¿¢¨¸™¸‚¸Ê, ¸¸½ ’ï½¢”¿Š¸ ˆ½Å ¢¥¸‡ ›¸íú¿ ˆÅú Š¸ƒÄ íÿ, ˆÅú ©¸º²Å‚¸÷¸ Ÿ¸Ê œÏ¸œ÷¸ œÏú¢Ÿ¸¡¸Ÿ¸ ¡¸¸ ¤¸’Ã’½ ˆÅ¸½ ¬¸¿¢¨¸™¸ ˆ½Å ¸ú¨¸›¸ˆÅ¸¥¸ Ÿ¸Ê ¨¡¸¡¸ ¡¸¸ ‚¸¡¸ ˆ½Å ³ œ¸ Ÿ¸Ê
œ¸¢£©¸¸½¢š¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‚›¡¸ ¨¸¸¡¸™¸ ¢¨¸¢›¸Ÿ¸¡¸ ¬¸¿¢¨¸™¸‚¸Ê œ¸£ œÏú¢Ÿ¸¡¸Ÿ¸ ¡¸¸ Ž»’ ˆÅ¸½ ¢í¬¸¸¤¸ Ÿ¸Ê ›¸íú¿ ¢¥¸¡¸¸ ¸¸÷¸¸ í¾.
Premium or discount arising at the inception of Forward Exchange Contracts which are not intended for trading is amortized as
expense or income over the life of the contract. Premium or discount on other Forward Exchange Contracts is not recognized.

iii. ‡½¬¸ú ¤¸ˆÅ¸¡¸¸ ¨¸¸¡¸™¸ ¢¨¸¢›¸Ÿ¸¡¸ ¬¸¿¢¨¸™¸‚¸Ê, ¸¸½ ’ï½¢”¿Š¸ ˆ½Å ¢¥¸‡ ›¸íú¿ íÿ, ˆÅ¸ û½Å”¸ƒÄ ˆÅú ¤¸¿™ ™£¸Ê œ¸£ œ¸º›¸Ÿ¸»Ä¥¡¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‚›¡¸ ¤¸ˆÅ¸¡¸¸ ¨¸¸¡¸™¸ ¢¨¸¢›¸Ÿ¸¡¸ ¬¸¿¢¨¸™¸‚¸Ê
ˆÅ¸ Ÿ¸»¥¡¸ ¢›¸š¸¸Ä£µ¸ û½Å”¸ƒÄ ׸£¸ ¢¨¸¢›¸¢™Ä«’ œ¸¢£œ¸Æ¨¸÷¸¸‚¸Ê ˆ½Å ¢¥¸‡ ‚¢š¸¬¸»¢¸÷¸ ¢¨¸¢›¸Ÿ¸¡¸ ™£¸Ê ¡¸¸ ¤¸ú¸ ˆÅú œ¸¢£œ¸Æ¨¸÷¸¸‚¸Ê ˆÅú ‚¿÷¸¨¸½Ä¢©¸÷¸ ™£¸Ê œ¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
œ¸¢£µ¸¸Ÿ¸ú ¥¸¸ž¸/í¸¢›¸ ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
Outstanding Forward Exchange Contracts which are not intended for trading are revalued at closing FEDAI rates. Other
outstanding Forward Exchange Contracts are valued at rates of exchange notified by FEDAI for specified maturities or at
interpolated rates for in-between maturities. The resultant profits/ losses are recognized in the Profit and Loss Account.

iv. ¨¸¸¡¸™¸ ¢¨¸¢›¸Ÿ¸¡¸ ¬¸¿¢¨¸™¸‚¸Ê ˆÅú œ¸¢£œ¸Æ¨¸÷¸¸ œ¸»¨¸Ä ¬¸Ÿ¸¸¦œ÷¸ ¬¸½ í¸½›¸½ ¨¸¸¥¸½ ¥¸¸ž¸/í¸¢›¸¡¸¸Ê, ¬¸¸˜¸ íú ‚œ¸¢£©¸¸½¢š¸÷¸ œÏú¢Ÿ¸¡¸Ÿ¸ ¡¸¸ Ž»’, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆÅ¸½ ¬¸Ÿ¸¸¦œ÷¸ ˆÅú ÷¸¸£ú‰¸
œ¸£ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ¢¨¸¨¸£µ¸ Ÿ¸Ê ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾.
Profits/ losses arising on premature termination of Forward Exchange Contracts, together with unamortized premium or discount,
if any, are recognized in the statement of profit & loss on the date of termination.

v. ¤¸ˆÅ¸¡¸¸ ¨¸¸¡¸™¸ ¢¨¸¢›¸Ÿ¸¡¸ ¬¸¿¢¨¸™¸‚¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‚¸Ê ˆÅú Š¸µ¸›¸¸ ¢¨¸¢›¸Ÿ¸¡¸ ˆÅú ‚›¸º¤¸¿¢š¸÷¸ ™£¸Ê œ¸£ ˆÅú ¸¸÷¸ú í¾ ‚¸¾£ Š¸¸£¿¢’¡¸¸Ê, ¬¨¸úˆ¼Å¢÷¸¡¸¸Ê, œ¸¼«“¸¿ˆÅ›¸¸Ê
‡¨¸¿ ‚›¡¸ ™¸¢¡¸÷¨¸¸Ê ˆÅú Š¸µ¸›¸¸ û½Å”¸ƒÄ ˆÅú ¤¸¿™ ™£¸Ê œ¸£ ˆÅú ¸¸÷¸ú í¾.
Contingent liabilities in respect of outstanding forward exchange contracts are calculated at the contracted rates of exchange
and those in respect of guarantees, acceptances, endorsements and other obligations are calculated at the closing FEDAI
rates.

vi. ¢¨¸™½©¸ú ©¸¸‰¸¸ ˆ½Å œ¸¢£¸¸¥¸›¸¸Ê ˆÅ¸½ `Š¸¾£-‡ˆÅúˆ¼Å÷¸ ¢¨¸™½©¸ú œ¸¢£¸¸¥¸›¸' ˆ½Å ³ œ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. Ÿ¸¸¾¢ÍˆÅ ‚¸¾£ Š¸¾£-Ÿ¸¸¾¢ÍˆÅ, Š¸¾£-‡ˆÅúˆ¼Å÷¸ ¢¨¸™½©¸ú œ¸¢£¸¸¥¸›¸¸Ê
ˆÅú ™¸½›¸¸Ê ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ‚¸¦¬÷¸¡¸¸Ê ‚¸¾£ ™½›¸™¸¢£¡¸¸Ê ˆÅ¸½ ÷¸º¥¸›¸-œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ‡ûŃĔú‡‚¸ƒÄ ׸£¸ ‚¢š¸¬¸»¢¸÷¸ ¤¸¿™ ¢¨¸¢›¸Ÿ¸¡¸ ™£¸Ê œ¸£ ³ œ¸¸¿÷¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.

dm{f©H$ [anmoQ>© Annual Report 2023-24 325

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
‚¸¡¸ ‚¸¾£ ¨¡¸¡¸ Ÿ¸™¸Ê ˆÅ¸½ °¸¾Ÿ¸¸¢¬¸ˆÅ ‚¸¾¬¸÷¸ ™£¸Ê œ¸£ ³ œ¸¸›÷¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ƒ¬¸ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³ œ¸ ¢¨¸¢›¸Ÿ¸¡¸ ‚¿÷¸£¸Ê ¬¸½ „÷œ¸››¸ ¥¸¸ž¸/ í¸¢›¸ ˆÅ¸½ ‡‡¬¸-11,
¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¢¨¸¢›¸Ÿ¸¡¸ ™£¸Ê Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ ˆ½Å œÏž¸¸¨¸ ‚¸¾£ ‚¸£¤¸ú‚¸ƒÄ ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ Š¸¾£-‡ˆÅúˆ¼Å÷¸ ¢¨¸™½©¸ú œ¸¢£¸¸¥¸›¸ ˆ½Å ¢›¸œ¸’¸›¸ ÷¸ˆÅ ¢¨¸™½©¸ú
Ÿ¸ºÍ¸ ³ œ¸¸¿÷¸£µ¸ ‰¸¸÷¸½ Ÿ¸Ê ¬¸¿¢¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Operations of foreign branch are classified as `Non-Integral Foreign Operations’. Both monetary and non-monetary foreign
currency assets and liabilities of non-integral foreign operations are translated at closing exchange rates notified by FEDAI at the
Balance Sheet date, Income and Expenditure items are translated at quarterly average rates and the resulting profit / loss arising
from exchange differences are accumulated in the Foreign Currency Translation Account until disposal of the non-integral foreign
operations in accordance with AS-11, The Effects of Changes in Foreign Exchange Rates and the extant RBI guidelines.

13. ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸À

Employee Benefits:
(i) œ¸Ê©¸›¸ / Pension
œ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸ ¡¸¸½¸›¸¸ ˆ½Å ÷¸í÷¸ œ¸Ê©¸›¸ ˆ½Å ¢¥¸‡ œ¸¸°¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å ¬¸Ÿ¸»í ˆÅ¸½ ™½¡¸ œ¸Ê©¸›¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê, ¤¸ÿˆÅ ‚œ¸›¸½ ׸£¸ ¬˜¸¸¢œ¸÷¸ ‚¸¾£ ›¡¸¸¬¸ú ¤¸¸½”Ä ×¸£¸ œÏ©¸¸¢¬¸÷¸
œ¸Ê©¸›¸ û¿Å” ’﬒ ˆÅ¸½ ¨¸½÷¸›¸ ˆÅ¸ 10% ¡¸¸½Š¸™¸›¸ ™½÷¸¸ í¾. ¤¸ÿˆÅ œÏ÷¡¸½ˆÅ ÷¸º¥¸›¸ œ¸°¸ ¢÷¸¢˜¸ œ¸£ œ¸Ê©¸›¸ ™½¡¸÷¸¸ ˆ½Å ‡ˆÅ ¬¨¸÷¸¿°¸ ¤¸úŸ¸¸¿¢ˆÅˆÅ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ‚¸š¸¸£ œ¸£ ™½¡¸÷¸¸
ˆÅú ˆÅŸ¸ú ˆ½Å ¢¥¸‡ ‚¢÷¸¢£Æ÷¸ £¸¢©¸ ˆÅ¸ ¡¸¸½Š¸™¸›¸ ™½÷¸¸ í¾, ¢¸¬¸ˆÅú Š¸µ¸›¸¸ ¸›¸¬¸¸¿¦‰¡¸ˆÅú, ¨¸½÷¸›¸ ¨¸¼¢Ö, ›¸¸¾ˆÅ£ú Ž¸½”›¸½ ˆÅú ™£, Ÿ¸¼÷¡¸º ™£ ‚¸¾£ Ž»’ ™£ ˆ½Å ¤¸¸£½ Ÿ¸Ê ˆºÅŽ
Ÿ¸¸›¡¸÷¸¸‚¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ˆÅú ¸¸÷¸ú í¾. œÏ¸½¸½Æ’½” ¡¸»¢›¸’ ǽŢ”’ Ÿ¸½˜¸” ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£ˆ½Å ™½¡¸÷¸¸/ œ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸ ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¤¸úŸ¸¸¿¢ˆÅˆÅ ¥¸¸ž¸ ¡¸¸ í¸¢›¸
ˆÅ¸½ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê „¬¸ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾ ¢¸¬¸Ÿ¸Ê ¨¸½ í¸½÷¸½ íÿ.
In respect of Pension payable to the group of employees who are eligible for Pension under Defined Benefit Scheme, Bank
contributes 10% of pay to Pension Fund Trust set up by the Bank and administered by the Board of Trustees. Bank further
contributes for an additional amount towards the liability shortfall, based on an independent Actuarial valuation of Pension liability
at each Balance Sheet date which is calculated based on certain assumptions about demographics, salary increase, attrition
rate, mortality rate and discounting rate. The liability / defined benefit is determined using the Projected Unit Credit Method.
Actuarial gains or losses are recognized in the profit and loss account for the period in which they occur.

(ii) ›¸ƒÄ œ¸Ê©¸›¸ ¡¸¸½¸›¸¸ (‡›¸œ¸ú‡¬¸) / New Pension Scheme (NPS)

›¸ƒÄ œ¸Ê©¸›¸ ¡¸¸½¸›¸¸ (‡›¸œ¸ú‡¬¸) Ÿ¸½¿ ©¸¸¢Ÿ¸¥¸ ¢ˆÅ‡ Š¸‡ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê, ¤¸ÿˆÅ œ¸¢£ž¸¸¢«¸÷¸ ¡¸¸½Š¸™¸›¸ ¡¸¸½¸›¸¸ Ÿ¸Ê ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å ¨¸½÷¸›¸ ˆÅ¸ ‡ˆÅ ¢›¸¢ä¸÷¸ œÏ¢÷¸©¸÷¸
œ¸¢£ž¸¸¢«¸÷¸ ¡¸¸½¸›¸¸ Ÿ¸½¿ ¡¸¸½Š¸™¸›¸ ™½÷¸¸ í¾, ¢¸¬¸½ œ¸Ê©¸›¸ û¿Å” ˆ¿Åœ¸¢›¸¡¸¸Ê ׸£¸ œÏ¤¸¿¢š¸÷¸ ‚¸¾£ œÏ©¸¸¢¬¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¤¸ÿˆÅ ˆÅ¸ ƒ¬¸ˆ½Å ¡¸¸½Š¸™¸›¸ ˆ½Å ‚¥¸¸¨¸¸ ˆÅ¸½ƒÄ ™¸¢¡¸÷¨¸ ›¸íú¿
í¾ ‚¸¾£ ƒ¬¸ ÷¸£í ˆ½Å ¡¸¸½Š¸™¸›¸ ˆÅ¸½ ¨¸«¸Ä Ÿ¸Ê ¢ˆÅ¡¸¸ Š¸¡¸¸ ‰¸¸Ä Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾.
In respect of the employees covered under New Pension Scheme (NPS), Bank contributes a certain percentage of the Salary of
employees to the defined scheme, a defined contribution plan, which is managed and administered by Pension Fund companies.
Bank has no liability other than its contribution and recognizes such contribution as an expense in the year incurred.

(iii) ®¸¢÷¸œ¸»¢£÷¸ ‚›¸ºœ¸¦¬˜¸¢÷¸¡¸¸Â / Compensated Absences

¤¸ÿˆÅ ˆ½Å ˆÅŸ¸Ä¸¸£ú ¢¨¸¢¨¸š¸ ®¸¢÷¸œ¸»¢£÷¸ ‚›¸ºœ¸¦¬˜¸¢÷¸¡¸¸Ê ˆ½Å íˆÅ™¸£ íÿ. ˆÅŸ¸Ä¸¸£ú ‚œÏ¡¸ºÆ÷¸ „œ¸¸¢¸Ä÷¸ ®¸¢÷¸œ¸»¢£÷¸ ‚›¸ºœ¸¦¬˜¸¢÷¸ ˆ½Å ‡ˆÅ ¢í¬¬¸½ ˆÅ¸½ ‚¸Š¸½ ¥¸½ ¸¸ ¬¸ˆÅ÷¸½ í¾ ‚¸¾£
ƒ¬¸ˆÅ¸ „œ¸¡¸¸½Š¸ ž¸¢¨¸«¡¸ ˆÅú ‚¨¸¢š¸ Ÿ¸Ê ˆÅ£ ¬¸ˆÅ÷¸½ í¾ ¡¸¸ ¢›¸¢™Ä«’ ¢™›¸¸Ê ÷¸ˆÅ ˆºÅŽ œÏˆÅ¸£ ˆ½Å ‚œÏ¡¸ºÆ÷¸ „œ¸¸¢¸Ä÷¸ ®¸¢÷¸œ¸»¢£÷¸ ‚›¸ºœ¸¦¬˜¸¢÷¸ ˆ½Å ¢¥¸‡ ¬¸½¨¸¸¢›¸¨¸¼¢î¸ ¡¸¸ ¬¸½¨¸¸
ˆÅú ¬¸Ÿ¸¸¦œ÷¸ œ¸£ ›¸ˆÅ™ œÏ¸œ÷¸ ˆÅ£ ¬¸ˆÅ÷¸½ í¾. ‡ˆÅ ¬¨¸÷¸¿°¸ ¤¸úŸ¸¸¿ˆÅˆÅ ׸£¸ ÷¸º¥¸›¸-œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ¢ˆÅ¡¸½ Š¸¡¸½ ¤¸úŸ¸¸¿¢ˆÅˆÅ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ‚¸š¸¸£ œ¸£ ¤¸ÿˆÅ ®¸¢÷¸œ¸»¢£÷¸
‚›¸ºœ¸¦¬˜¸¢÷¸ ˆ½Å ¢¥¸‡ ™½¡¸÷¸¸ „œ¸¸¢¸Ä÷¸ ˆÅ£÷¸¸ í¾, ¢¸¬¸Ÿ¸Ê ¸›¸¬¸¸¿¦‰¡¸ˆÅú, ¬¸Ÿ¸¡¸œ¸»¨¸Ä ¬¸½¨¸¸¢›¸¨¸¼¢î¸, ¨¸½÷¸›¸ ¨¸¼¢Ö, ¤¡¸¸¸ ™£ ‚¸¾£ Žº’Ã’ú ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£›¸¸ ©¸¸¢Ÿ¸¥¸ í¾.
¤¸ÿˆÅ ˆ½Å ™¸¢¡¸÷¨¸ ˆ½Å ¢›¸¨¸¥¸ ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ÷¸º¥¸›¸-œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ œÏ¸½¸½Æ’½” ¡¸»¢›¸’ ǽŢ”’ Ÿ¸½˜¸” ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£ˆ½Å ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¤¸úŸ¸¸¿¢ˆÅˆÅ ¥¸¸ž¸¸Ê/
í¸¢›¸¡¸¸Ê ˆÅ¸½ „¬¸ ¨¸«¸Ä ˆ½Å ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾, ¢¸¬¸ ¨¸«¸Ä ¨¸½ „÷œ¸››¸ í¸½÷¸½ íÿ.
The employees of the Bank are entitled to various compensated absences. The employees can carry forward a portion of
the unutilized accrued compensated absence and utilize it in future periods or receive cash compensation at retirement or
termination of employment for certain types of unutilized accrued compensated absence upto specified number of days. The
Bank accrues the liability for compensated absences based on the actuarial valuation as at the Balance Sheet date conducted
by an independent actuary which includes assumptions about demographics, early retirement, salary increases, interest rates
and leave utilization. The net present value of the Banks’ obligation is determined using the Projected Unit Credit Method as at
the Balance Sheet date. Actuarial gains / losses are recognized in the Profit and Loss Account in the year in which they arise.

(iv) ¬¨¸¾¦ŽˆÅ ¬¨¸¸¬˜¡¸ ¡¸¸½¸›¸¸ (¨¸ú‡¸‡¬¸) / Voluntary Health Scheme (VHS)

¤¸ÿˆÅ ˆÅú ‡ˆÅ ¬¨¸¾¦ŽˆÅ ¬¨¸¸¬˜¡¸ ¡¸¸½¸›¸¸ (¨¸ú‡¸‡¬¸) í¾ ¸¸½ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅú ¢¨¸¢ž¸››¸ ŠÏ½” ˆ½Å ¢¥¸‡ ¢›¸š¸¸Ä¢£÷¸ ¬¸úŸ¸¸ (‹¸£½¥¸» ‚¸¾£ ‚¬œ¸÷¸¸¥¸ Ÿ¸Ê ž¸÷¸úÄ) ˆ½Å ‚›¸º¬¸¸£
ˆÅŸ¸Ä¸¸¢£¡¸¸Ê, ‚¸¾£ „›¸ˆ½Å œ¸¢÷¸ ¡¸¸ œ¸÷›¸ú ‚¸¾£ ‚¸¢ª÷¸ ¤¸¸¸Ê (¸¾¬¸¸ ¥¸¸Š¸» í¸½), ˆÅú ¬¸½¨¸¸¢›¸¨¸¼¢î¸ ˆ½Å ¤¸¸™ ˆÅú ¢¸¢ˆÅ÷¬¸¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£÷¸ú í¾. ¡¸í ¡¸¸½¸›¸¸

326 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
¨¸¾ˆÅ¦¥œ¸ˆÅ ˜¸ú ‚¸¾£ ¬¸™¬¡¸÷¸¸ ˆ½Å ¢¥¸‡ ¤¸¿™ ˆÅ£ ™ú Š¸ƒÄ í¾. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, ¤¸ÿˆÅ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ƒ¬¸ ¡¸¸½¸›¸¸ ˆ½Å ¢¥¸‡ ‡ˆÅ ¬¨¸÷¸¿°¸ ¤¸úŸ¸¸¿¢ˆÅˆÅ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å
‚¸š¸¸£ œ¸£ ˆÅŸ¸ú £¸¢©¸ ˆ½Å ¢¥¸‡ ‡ˆÅ ‚¢÷¸¢£Æ÷¸ £¸¢©¸ ˆ½Å ¢¥¸‡ ¡¸¸½Š¸™¸›¸ ™½÷¸¸ í¾, ¢¸¬¸ˆÅú Š¸µ¸›¸¸ ‚¨¸¢š¸ Ÿ¸½¿ û¿Å” ˆ½Å ¨¸¸¬÷¸¢¨¸ˆÅ „œ¸¡¸¸½Š¸ ‚¸¾£ „›¸ ¥¸¸½Š¸¸Ê ˆ½Å ¢¥¸‡ ©¸½«¸
¬¸úŸ¸¸ ˆ½Å ‚¸š¸¸£ œ¸£ ˆÅú ¸¸÷¸ú í¾ ¢¸›í¸Ê›¸½ ¬¸™¬¡¸÷¸¸ ¥¸ú í¾.
The Bank has a Voluntary Health Scheme (VHS) which caters to the post-retirement medical needs of the employees and
their spouse & dependent children (as applicable) as per the limits (domiciliary and hospitalization) set for various Grades of
employees. This scheme was optional and has been closed for subscription. Further, Bank contributes for an additional amount
towards the shortfall amount based on an independent actuarial valuation for this scheme as on Balance Sheet date which is
calculated based on the actual utilization of the fund for the period and the balance limits for those who have subscribed to the
scheme.

(v) „œ¸™¸›¸ (ŠÏ½¡¸º’ú) / Gratuity:

„œ¸™¸›¸ ˆ½Å ³Åœ¸ Ÿ¸½¿ ¤¸ÿˆÅ ˆÅ¸ ‡ˆÅ ™¸¢¡¸÷¨¸ í¾ ¸¸½ ‡ˆÅ œ¸¢£ž¸¸¢«¸÷¸ ¬¸½¨¸¸¢›¸¨¸¼¢î¸ ¥¸¸ž¸ ¡¸¸½¸›¸¸ í¾ ¢¸¬¸Ÿ¸Ê ¬¸ž¸ú œ¸¸°¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ ƒ¬÷¸úûŸ, ¬¸½¨¸¸¢›¸¨¸¼¢î¸, £¸½¸Š¸¸£ ˆ½Å
™¸¾£¸›¸ Ÿ¸¼÷¡¸º ¡¸¸ £¸½¸Š¸¸£ ˆÅú ¬¸Ÿ¸¸¦œ÷¸ œ¸£ ¢™¡¸¸ ¸¸÷¸¸ í¾. ¤¸ÿˆÅ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆÅŸ¸Ä¸¸£ú ŠÏ½¡¸º’ú û¿Å” ’﬒ Ÿ¸Ê ¡¸¸½Š¸™¸›¸ ™½÷¸¸ í¾, ¢¸¬¸½ ’怜’¡¸¸Ê ׸£¸ œÏ©¸¸¢¬¸÷¸ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾. ¢¸›¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ›¸½ 5 ¬¸¸¥¸ ˆÅú ¬¸½¨¸¸ œ¸»£ú ˆÅ£ ¥¸ú í¾ ¥¸½¢ˆÅ›¸ 10 ¬¸¸¥¸ ¬¸½ ˆÅŸ¸ í¸½, „›íÊ ŠÏ½¡¸º’ú ‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å ‚›¸º¬¸¸£ ŠÏ½¡¸º’ú ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸
í¾. ŠÏ½¡¸º’ú ˆ½Å ž¸ºŠ¸÷¸¸›¸ ˆ½Å ¢¥¸‡ ŠÏ½¡¸º’ú ‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å ¢›¸¡¸Ÿ¸¸Ê ˆ½Å ‚¥¸¸¨¸¸ ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ŠÏ½¡¸º’ú ¢›¸¡¸Ÿ¸, 2004 ˆÅ¸ ‡ˆÅ ‚¥¸Š¸ ¬¸½’ í¾. ŠÏ½¡¸º’ú ¢›¸¡¸Ÿ¸, 2004 „›¸
ˆÅŸ¸Ä¸¸¢£¡¸¸Ê œ¸£ ¥¸¸Š¸» í¸½÷¸½ íÿ ¢¸›í¸Ê›¸½ 10 ¬¸¸¥¸ ˆÅú ¬¸½¨¸¸ ‚¨¸¢š¸ œ¸»£ú ˆÅ£ ¥¸ú í¾ ‚¸¾£ „›¸ˆ½Å ¢¥¸‡ ŠÏ½¡¸º’ú ˆÅú Š¸µ¸›¸¸ ˆ½Å ¢¥¸‡ ‡ˆÅ ‚¥¸Š¸ œ¸Ö¢÷¸ í¾. ‡½¬¸½ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê
ˆ½Å ¢¥¸‡ ŠÏ½¡¸º’ú ˆÅú Š¸µ¸›¸¸ ŠÏ½¡¸º’ú ‚¢š¸¢›¸¡¸Ÿ¸ ‚¸¾£ ŠÏ½¡¸º’ú ¢›¸¡¸Ÿ¸ ™¸½›¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ˆÅú ¸¸÷¸ú í¾ ‚¸¾£ ¸¸½ ž¸ú ˆÅŸ¸Ä¸¸£ú ˆ½Å ¢¥¸‡ ûŸ¡¸™½Ÿ¸¿™ í¸½, „¬¸ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾.
The bank has an obligation towards gratuity, a defined benefit retirement plan covering all eligible employees on resignation,
retirement, death while in employment or on termination of employment. The Bank makes contributions to IDBI Bank Employees’
Gratuity Fund Trust, administered by the Trustees. The employees who have completed 5 years of service but less than 10 years,
Gratuity is paid as per Gratuity Act. Bank has a separate set of Gratuity Rules, 2004 apart from the rules as per Gratuity Act for
payment of Gratuity. The Gratuity Rules, 2004 are applicable to those employees who have completed 10 years of service period
and has a separate methodology for calculation of Gratuity. For such employees gratuity is calculated as per both Gratuity Act
and Gratuity Rules and are paid the amount whichever is beneficial to employee.

¤¸ÿˆÅ °¸¾Ÿ¸¸¢¬¸ˆÅ ‚¸š¸¸£ œ¸£ ŠÏ½¡¸º’ú ™½¡¸÷¸¸ ˆ½Å ‡ˆÅ ¬¨¸÷¸¿°¸ ¤¸úŸ¸¸¿¢ˆÅˆÅ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ‚¸š¸¸£ œ¸£ ™½¡¸÷¸¸ Ÿ¸Ê ˆÅŸ¸ú ˆ½Å ¢¥¸‡ ¡¸¸½Š¸™¸›¸ ™½÷¸¸ í¾, ¢¸¬¸ˆÅú Š¸µ¸›¸¸ ¸›¸¬¸¸¿¦‰¡¸ˆÅú,
¨¸½÷¸›¸ ¨¸¼¢Ö, ›¸¸¾ˆÅ£ú Ž¸½”õ›¸½ ˆÅú ™£, Ÿ¸¼÷¡¸º ™£ ‚¸¾£ Ž»’ ™£ ˆ½Å ¤¸¸£½ Ÿ¸Ê ˆºÅŽ Ÿ¸¸›¡¸÷¸¸‚¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ˆÅú ¸¸÷¸ú í¾. œÏ¸½¸½Æ’½” ¡¸»¢›¸’ ǽŢ”’ Ÿ¸½˜¸” ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£ˆ½Å
™½¡¸÷¸¸/ œ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸ ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¤¸úŸ¸¸¿¢ˆÅˆÅ ¥¸¸ž¸ ¡¸¸ í¸¢›¸ ˆÅ¸½ „¬¸ ¨¸«¸Ä ˆ½Å ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾ ¢¸¬¸Ÿ¸Ê ¨¸½ í¸½÷¸½ íÿ.
Bank contributes towards the liability shortfall, based on an independent Actuarial Valuation of Gratuity liability on a quarterly
basis which is calculated based on certain assumptions about demographics, salary increase, attrition rate, mortality rate and
discounting rate. The liability / defined benefit is determined using the Projected Unit Credit Method. Actuarial gains or losses are
recognized in the profit and loss account for the period in which they occur.

(vi) ž¸¢¨¸«¡¸ ¢›¸¢š¸ / Provident Fund:

¤¸ÿˆÅ ‡ˆÅ ‚¥¸Š¸ ’﬒ (‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆÅŸ¸Ä¸¸£ú ž¸¢¨¸«¡¸ ¢›¸¢š¸ ’﬒) ˆÅ¸½ œ¸»¨¸Ä¢›¸š¸¸Ä¢£÷¸ ™£¸Ê œ¸£ ž¸¢¨¸«¡¸ ¢›¸¢š¸ Ÿ¸Ê ¢›¸¢ä¸÷¸ ‚¿©¸™›¸ ˆÅ£÷¸¸ í¾ ¸¸½ ¢›¸¢š¸¡¸¸Ê ˆÅ¸½ ‚›¸ºŸ¸÷¸
œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅ£÷¸¸ í¾. ¨¸«¸Ä Ÿ¸Ê ¢›¸¢š¸ Ÿ¸Ê ‚¿©¸™¸›¸ ˆÅ¸½ ‰¸¸Ä Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê œÏž¸¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¤¸ÿˆÅ ˆÅ¸ ™¸¢¡¸÷¨¸ ‡½¬¸¸ ¢›¸¡¸÷¸
‚¿©¸™¸›¸ ˆÅ£›¸¸ ‚¸¾£ ¬¸™¬¡¸¸Ê ˆÅ¸½ ž¸¸£÷¸ ¬¸£ˆÅ¸£ ׸£¸ ¢›¸¢™Ä«’ ›¡¸»›¸÷¸Ÿ¸ œÏ¢÷¸¥¸¸ž¸ ™£ (ƒÄœ¸ú‡ûÅ‚¸½ ™£¸Ê) ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸¸ í¾. ƒÄœ¸ú‡ûÅ‚¸½ ˆÅú œÏ¢÷¸¥¸¸ž¸ ™£ ˆÅú ÷¸º¥¸›¸¸
Ÿ¸Ê ¢›¸¢š¸ ˆÅú ‚¸¦¬÷¸¡¸¸Ê Ÿ¸Ê ˆÅŸ¸ú, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ¸¸½ ¬¨¸÷¸¿°¸ ¤¸úŸ¸¸¿ˆÅˆÅ ˆ½Å Ÿ¸»¥¡¸¸¿ˆÅ›¸ ׸£¸ ¢›¸š¸¸Ä¢£÷¸ ˆÅú ¸¸÷¸ú í¾, ÷¸¸½ „¬¸ˆÅú œ¸»¢÷¸Ä ¤¸ÿˆÅ ׸£¸ ˆÅú ¸¸÷¸ú í¾ ‚¸¾£ „¬¸½ ¥¸¸ž¸-
í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê œÏž¸¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
The Bank pays fixed contribution to the provident fund at predetermined rates to a separate trust (IDBI Bank Employees
Provident Fund Trust), which invests the funds in permitted securities. The contributions to the fund for the year are recognized
as expense and are charged to the Profit and Loss Account. The obligation of the Bank is to make such fixed contributions and
to ensure a minimum rate of return to the members as specified by the Government of India (EPFO rates). Shortfall in the fund
assets to match EPFO rate of return, if any, determined based on the independent actuarial valuation, is made good by the bank
and charged to the Profit and Loss Account.

14. ‰¸¿” ¢£œ¸¸½¢’ôŠ¸ / Segment Reporting

¤¸ÿˆÅ ÷¸ú›¸ ‰¸¿”¸Ê ‚˜¸¸Ä÷¸ í¸½¥¸¬¸½¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸, ¢£’½¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ‚¸¾£ ’ｏ¸£ú ¬¸½¨¸¸‚¸Ê Ÿ¸Ê œ¸¢£¸¸¥¸›¸ ˆÅ£÷¸¸ í¾. ƒ›¸ ‰¸¿”¸Ê ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ‚¸£¤¸ú‚¸ƒÄ ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å
‚›¸º³ œ¸ ÷¸˜¸¸ ¡¸¸½¸›¸¸‚¸Ê ¨¸ ¬¸½¨¸¸‚¸Ê ˆÅú œÏˆ¼Å¢÷¸ ˆ½Å ¬¨¸³Åœ¸ ‚¸¾£ ¸¸½¢‰¸Ÿ¸ ³Åœ¸£½‰¸¸ œ¸£ ¢¨¸¸¸£ ˆÅ£›¸½ ˆ½Å ¤¸¸™ ‰¸¿” ¢£œ¸¸½¢’ôŠ¸ ˆ½Å ¤¸¸£½ Ÿ¸½¿ ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ-17, ¥¸¢®¸÷¸ ŠÏ¸íˆÅ œÏ¸½ûŸƒ¥¸,
¬¸¿Š¸“›¸¸÷Ÿ¸ˆÅ ¬¸¿£¸›¸¸ ÷¸˜¸¸ ¤¸ÿˆÅ ˆÅú ‚¸¿÷¸¢£ˆÅ ¢£œ¸¸½¢’ôŠ¸ œÏµ¸¸¥¸ú ˆ½Å ‚¸š¸¸£ œ¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.

dm{f©H$ [anmoQ>© Annual Report 2023-24 327

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
The Bank operates in three segments wholesale banking, retail banking and treasury operations. These segments have been identified
in line with extant RBI guidelines and AS-17 on segment reporting after considering the nature and risk profile of the products and
services, the target customer profile, the organization structure and the internal reporting system of the Bank.

‰¸¿” £¸¸¬¨¸, œ¸¢£µ¸¸Ÿ¸, ‚¸¦¬÷¸¡¸¸Ê ‡¨¸¿ ™½¡¸÷¸¸‚¸Ê Ÿ¸Ê œÏ¤¸¿š¸›¸ ׸£¸ œÏ÷¡¸½ˆÅ ‰¸¿” í½÷¸º œ¸í¸¸›¸›¸½ ¡¸¸½Š¡¸ £¸¢©¸¡¸¸¿ ‚¸¾£ ‚¸¤¸¿¢’÷¸ £¸¢©¸ ©¸¸¢Ÿ¸¥¸ í¾. ¸¸½ ‚¸¦¬÷¸¡¸¸¿ ‡¨¸¿ ™½¡¸÷¸¸‡¿ ±¸¸÷¸
‰¸¿”¸Ê Ÿ¸Ê ‚¸¤¸¿¢’÷¸ ›¸íú¿ ˆÅú ¸¸ ¬¸ˆÅ÷¸ú íÿ, „›íÊ ‚›¸¸¤¸¿¢’÷¸ ‚¸¦¬÷¸¡¸¸Ê ¨¸ ™½¡¸÷¸¸‚¸Ê ˆ½Å ³ œ¸ Ÿ¸Ê ¬¸Ÿ¸»¢í÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
Segment revenue, results, assets, and liabilities include the amounts identifiable to each of the segments as also amounts allocated, as
estimated by the management. Assets and liabilities that cannot be allocated to identifiable segments are grouped under unallocated
assets and liabilities.

15. ‚¸¡¸ˆÅ£ / Income Tax

i. ˆÅ£ ¨¡¸¡¸ Ÿ¸Ê ¨¸÷¸ÄŸ¸¸›¸ ‡¨¸¿ ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ©¸¸¢Ÿ¸¥¸ íÿ.
Tax expense comprises of current and deferred tax.

¨¸÷¸ÄŸ¸¸›¸ ˆÅ£ ‚¸¡¸ˆÅ£ ˆÅú ¨¸í ¢›¸š¸¸Ä¢£÷¸ £¸¢©¸ í¾ ¸¸½ ‚¸¡¸ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸, 1961 ÷¸˜¸¸ ‚¸¡¸ ¬¸¿Š¸µ¸›¸¸ ‡¨¸¿ œÏˆÅ’›¸ Ÿ¸¸›¸ˆÅ (‚¸ƒÄ¬¸ú”ú‡¬¸) ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚›¸º¬¸¸£
œ¸¢£ˆÅ¢¥¸÷¸ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ˆÅ£¡¸¸½Š¡¸ ‚¸¡¸ (ˆÅ£ í¸¢›¸) ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ™½¡¸ (¨¸¬¸»¥¸ú ¡¸¸½Š¡¸) í¾.
Current tax is the amount of Income tax determined to be payable (recoverable) in respect of taxable income (tax loss) for a
period calculated in accordance with the provisions of the Income Tax Act, 1961 and the Income Computation and Disclosure
Standards (ICDS).

ii. ¨¸«¸Ä ˆ½Å ¢¥¸‡ ¤¸¢í¡¸¸Ê ‚¸¾£ ˆÅ£ ¥¸¸ž¸¸Ê ˆ½Å ¤¸ú¸ ¬¸Ÿ¸¡¸ ‚¿÷¸£¸¥¸¸Ê í½÷¸º ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ˆÅ¸½ ÷¸º¥¸›¸œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ œ¸¡¸¸Äœ÷¸ ³ œ¸ ¬¸½ ‚¢š¸¢›¸¡¸¢Ÿ¸÷¸ ˆÅ£ ™£¸Ê ‡¨¸¿ ˆÅ¸›¸»›¸¸Ê
ˆÅ¸ œÏ¡¸¸½Š¸ ˆÅ£÷¸½ íº‡ ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾. ¬¸Ÿ¸¡¸ ‚¿÷¸£¸¥¸¸Ê ¬¸½ „÷œ¸››¸ í¸½›¸½¨¸¸¥¸ú ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ „¬¸ ¬¸úŸ¸¸ ÷¸ˆÅ ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾ ¢¸÷¸›¸ú
„›¸ˆÅú ž¸¢¨¸«¡¸ Ÿ¸Ê ¨¸¬¸»¥¸ú ˆÅú „¢¸÷¸ ¢›¸¢ä¸÷¸÷¸¸ í¸½.
Deferred tax for timing differences between the book and tax profits for the year is accounted for, using the tax rates and laws
that have been substantively enacted as of the balance sheet date. Deferred tax assets arising from timing differences are
recognized to the extent there is reasonable certainty that these would be realized in future.

iii. ‚›¸¨¸©¸¸½¢«¸÷¸ Ÿ¸»¥¡¸Ý¸¬¸/ í¸¢›¸¡¸¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸¿ ÷¸ž¸ú ¢í¬¸¸¤¸ Ÿ¸Ê ¥¸ú ¸¸÷¸ú íÿ ¸¤¸ ¡¸í ‚¸ž¸¸¬¸ú ³ œ¸ ¬¸½ ¬¸º¢›¸¢ä¸÷¸ í¸½ ¢ˆÅ ‡½¬¸ú ‚¸¬˜¸¢Š¸÷¸ ˆÅ£
‚¸¦¬÷¸ ž¸¸¨¸ú ˆÅ£ ¡¸¸½Š¡¸ ¥¸¸ž¸¸Ê Ÿ¸Ê ¬¸½ ¨¸¬¸»¥¸ ˆÅú ¸¸ ¬¸ˆÅ÷¸ú íÿ.
Deferred tax assets in case of unabsorbed depreciation/ losses are recognized only if there is virtual certainty that such deferred
tax asset can be realized against future taxable profits.

iv. ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¬¸Ÿ¸ú®¸¸ œÏ÷¡¸½ˆÅ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ˆÅú ¸¸÷¸ú í¾ ‚¸¾£ „¢¸÷¸ / ‚¸ž¸¸¬¸ú ³ œ¸ ¬¸½ ¨¸¬¸»¥¸ í¸½›¸½ ¨¸¸¥¸ú £¸¢©¸ ˆÅ¸½ ¬¸Ÿ¸º¢¸÷¸ ³ œ¸ ¬¸½
¬¸Ÿ¸¸¡¸¸½¢¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Deferred tax assets are reviewed at each Balance Sheet date and appropriately adjusted to reflect the amount that is reasonably/
virtually certain to be realized.

v. ¸¤¸ ¡¸í ¬¸¿ž¸¸¨¸›¸¸ í¸½÷¸ú í¾ ¢ˆÅ ¢¨¸¨¸¸¢™÷¸ ˆÅ£¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¨¸÷¸ÄŸ¸¸›¸ ™¸¢¡¸÷¨¸ Ÿ¸¸¾¸»™ í¾ ÷¸¤¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¸¤¸ ‡½¬¸½ ¢ˆÅ¬¸ú ¨¸÷¸ÄŸ¸¸›¸ ™¸¢¡¸÷¨¸ ˆ½Å Ÿ¸¸¾¸»™ í¸½›¸½ ˆÅú
¬¸¿ž¸¸¨¸›¸¸ ›¸íú¿ í¸½÷¸ú í¾ ÷¸¤¸ ¤¸ÿˆÅ ¢¨¸Š¸÷¸ ¢›¸š¸¸Ä£µ¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ Ÿ¸÷¸¸Ê/ ¢¨¸¢¨¸š¸ ›¡¸¸¡¸¸¢¡¸ˆÅ ¢›¸µ¸Ä¡¸¸Ê ‚¸¾£ ‚›¡¸ œÏ¸¬¸¿¢Š¸ˆÅ ›¡¸¸¡¸¸¢¡¸ˆÅ ¢›¸µ¸Ä¡¸¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ‡ˆÅ ‚¸ˆÅ¦¬Ÿ¸ˆÅ
™½¡¸÷¸¸ ˆÅ¸ œÏˆÅ’›¸ ˆÅ£÷¸¸ í¾ ¸¤¸ ÷¸ˆÅ ¢ˆÅ ¬¸¿¬¸¸š¸›¸¸Ê ˆ½Å ¤¸¢í¨¸¸Äí ˆÅú ¬¸¿ž¸¸¨¸›¸¸ ™»£¬˜¸ ›¸ í¸½, ¸í¸Â ˆÅ¸½ƒÄ œÏ¸¨¸š¸¸›¸ ¡¸¸ œÏˆÅ’›¸ ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¸½.
Where it is probable that a present obligation exists in respect of disputed taxes, a provision is made. Where it is not probable
that such a present obligation exists, the bank discloses a contingent liability, unless the possibility of an outflow of resources is
remote, based on opinions/ various judicial decisions in respect of past assessment and other relevant judicial decisions, where
in no provision or disclosure is made.

16. œ¸’Ã’½ / Leases

i. œ¸’Ã’½/ ¢ˆÅ£¸‡ ˆ½Å ‚¸š¸¸£ œ¸£ ¥¸ú Š¸ƒÄ ¬¸¿œ¸¢î¸¡¸¸¿ ¤¸ÿˆÅ ˆ½Å ¢¨¸ˆÅ¥œ¸ œ¸£ ›¸¨¸úˆÅ£µ¸ú¡¸/ ¢›¸£¬¸›¸ú¡¸ íÿ.
The properties taken on lease/ rental basis are renewable/ cancellable at the option of the Bank.
ii. ¤¸ÿˆÅ ˆ½Å ׸£¸ ¢ˆÅ‡ Š¸‡ œ¸’Ã’½ ˆÅ£¸£ ¬¸íŸ¸÷¸ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ í¸½÷¸½ íÿ ¢¸›¸Ÿ¸½¿ ¥¸ú¸ ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ ‚¸œ¸¬¸ú ¬¸íŸ¸¢÷¸ ¨¸¸¥¸¸ ›¸¸½¢’¬¸ (¬¸Ÿ¸¸›¡¸÷¸À ‡ˆÅ ˆ¾Å¥¸Ê”£ Ÿ¸¸í)
™½ˆÅ£ ¬¸Ÿ¸¸œ÷¸ ˆÅ£›¸½ ˆÅ¸ ¢¨¸ˆÅ¥œ¸ í¾.
The lease entered into by the Bank are for agreed period with an option to terminate the leases even during the tenure of lease
period by giving mutually agreed notice (normally one calendar month) in writing.

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Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
iii. œ¸¢£¸¸¥¸›¸ œ¸’Ã’½ ˆ½Å ¢¥¸‡ ‚™¸ ¢ˆÅ¡¸½ Š¸¡¸½ œ¸’Ã’½ ¢ˆÅ£¸¡¸½ ˆÅ¸½ „¬¸ú ¨¸«¸Ä ˆ½Å ¥¸¸ž¸-í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê ¨¡¸¡¸ ˆ½Å ³ œ¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾ ¢¸¬¸¬¸½ ¡¸í ¬¸¿¤¸¿¢š¸÷¸ í¾.
Lease rent paid for operating leases are recognised as an expense in the Profit & Loss account in the year to which it relates.

iv. œ¸¢£¸¸¥¸›¸ œ¸’Ã’½ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê œÏ¸£¿¢ž¸ˆÅ œÏ÷¡¸®¸ ¥¸¸Š¸÷¸ ¸¾¬¸½ ¢¨¸¢š¸ˆÅ ¥¸¸Š¸÷¸, ™¥¸¸¥¸ú ¥¸¸Š¸÷¸, ‚¸¢™ ˆÅ¸½ ÷¸÷ˆÅ¸¥¸ ‰¸¸Ä ˆ½Å ³ œ¸ Ÿ¸Ê ¥¸¸ž¸-í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê ¢™‰¸¸¡¸¸ ¸¸÷¸¸
í¾.
Initial direct costs in respect of operating leases such as legal costs, brokerage costs, etc. are recognized as expense immediately
in the Profit and Loss Account

17. œÏ¢÷¸ ©¸½¡¸£ ‚¸Ä›¸ / Earnings Per Share

i. ¤¸ÿˆÅ ¥¸½‰¸¸Ÿ¸¸›¸ˆÅ 20 ˆ½Å ‚›¸º¬¸¸£ Ÿ¸»¥¸ ‡¨¸¿ ›¡¸»›¸úˆ¼Å÷¸ œÏ¢÷¸ ©¸½¡¸£ ‚¸Ä›¸ ˆÅú ¬¸»¸›¸¸ ™½÷¸¸ í¾. œÏ¢÷¸ ©¸½¡¸£ Ÿ¸»¥¸ ‚¸Ä›¸ ˆÅú Š¸µ¸›¸¸ ˆÅ£-œ¸ä¸¸÷¸Ã ¢›¸¨¸¥¸ ¥¸¸ž¸ ˆÅ¸½ ¨¸«¸Ä ˆ½Å
™¸¾£¸›¸ ¤¸ˆÅ¸¡¸¸ ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆÅú ž¸¸¢£÷¸ ‚¸¾¬¸÷¸ ¬¸¿‰¡¸¸ ¬¸½ ž¸¸Š¸ ™½ˆÅ£ ˆÅú ¸¸÷¸ú í¾.
The Bank reports basic and diluted Earnings per Share in accordance with AS 20. Basic Earnings per Share is computed by
dividing the net profit after tax by the weighted average number of equity shares outstanding during the year.

ii. œÏ¢÷¸ ©¸½¡¸£ ›¡¸»›¸úˆ¼Å÷¸ ‚¸Ä›¸ „¬¸ ¬¸¿ž¸¸¢¨¸÷¸ ›¡¸»›¸úˆÅ£µ¸ ˆÅ¸½ ™©¸¸Ä÷¸ú í¾ ¸¸½ „¬¸ ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ¡¸¸ ƒ¦Æ¨¸’ú ©¸½¡¸£ ¸¸£ú ˆÅ£›¸½ ˆÅú ‚›¡¸ ¬¸¿¢¨¸™¸‚¸Ê ˆÅ¸
„œ¸¡¸¸½Š¸ ¡¸¸ œ¸¢£¨¸÷¸Ä›¸ ˆÅ£›¸½ œ¸£ í¸½ ¬¸ˆÅ÷¸¸ í¾. œÏ¢÷¸ ©¸½¡¸£ ›¡¸»›¸úˆ¼Å÷¸ ˆÅú Š¸µ¸›¸¸ ˆÅ£-œ¸ä¸¸÷¸Ã ¢›¸¨¸¥¸ ¥¸¸ž¸ ˆÅ¸½ ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆÅú ž¸¸¢£÷¸ ‚¸¾¬¸÷¸ ¬¸¿‰¡¸¸ ‚¸¾£ ¨¸«¸Ä ˆ½Å
™¸¾£¸›¸ ¤¸ˆÅ¸¡¸¸ ›¡¸»›¸úˆ¼Å÷¸ ¬¸¿ž¸¸¨¡¸ ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆÅú ¬¸¿‰¡¸¸ ˆ½Å ¡¸¸½Š¸ ¬¸½ ž¸¸Š¸ ™½ˆÅ£ ˆÅú ¸¸÷¸ú í¾.
Diluted Earnings per Share reflect the potential dilution that could occur if securities or other contracts to issue equity shares
were exercised or converted during the period. Diluted Earnings per Share is computed by dividing the net profit after tax by the
sum of the weighted average number of equity shares and dilutive potential equity shares outstanding during the year.

18. ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ ݸ¢¬¸÷¸ í¸½›¸¸ / Impairment of Assets

¸¤¸ ž¸ú ¢ˆÅ¬¸ú ‹¸’›¸¸ ‚˜¸¨¸¸ œ¸¢£¦¬˜¸¢÷¸¡¸¸Ê Ÿ¸Ê íº‡ œ¸¢£¨¸÷¸Ä›¸ ƒ¬¸ ¤¸¸÷¸ ˆÅ¸ ¬¸¿ˆ½Å÷¸ ™½÷¸½ íÿ ¢ˆÅ ¢ˆÅ¬¸ú ‚¸¦¬÷¸ ˆÅú £‰¸¸¨¸ £¸¢©¸ ¨¸¬¸»¥¸ú¡¸¸½Š¡¸ ›¸íú¿ £íú ÷¸¸½ ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸Ê ˆ½Å
ݸ¢¬¸÷¸ í¸½›¸½ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅú ¸¸÷¸ú í¾. š¸¸¢£÷¸ ÷¸˜¸¸ „œ¸¡¸¸½Š¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¨¸¬¸»¥¸ú ®¸Ÿ¸÷¸¸ ˆÅ¸ ‚¸ˆÅ¥¸›¸ ‚›¸ºŸ¸¸¢›¸÷¸ ¨¸÷¸ÄŸ¸¸›¸ ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ Ÿ¸»¥¡¸ ‚¸¾£ „œ¸¡¸¸½Š¸ Ÿ¸Ê
Ÿ¸»¥¡¸ ˆÅú ‚¸¦¬÷¸ ˆÅú £‰¸¸¨¸ £¸¢©¸ ¬¸½ ÷¸º¥¸›¸¸ ׸£¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¡¸¢™ ‡½¬¸ú ‚¸¦¬÷¸¡¸¸¿ ݸ¢¬¸÷¸ Ÿ¸¸›¸ú Š¸ƒÄ í¸Ê ÷¸¸½ „¬¸ ݸ¬¸ ˆÅ¸½ „¬¸ ‚¸¦¬÷¸ ˆÅú £‰¸¸¨¸ £¸¢©¸ ¬¸½ „¬¸ˆ½Å ‚›¸ºŸ¸¸¢›¸÷¸
¨¸÷¸ÄŸ¸¸›¸ ¨¸¬¸»¥¸ú¡¸¸½Š¡¸ Ÿ¸»¥¡¸ ¡¸¸ „œ¸¡¸¸½Š¸ Ÿ¸Ê Ÿ¸»¥¡¸ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê ‚¸¢š¸Æ¡¸ ¬¸½ Ÿ¸¸œ¸¸ ¸¸÷¸¸ í¾. ™¸¨¸¸Ê ˆ½Å ¢›¸œ¸’¸›¸ ¬¸½ œÏ¸œ÷¸ Š¸¾£-¤¸ÿ¢ˆ¿ÅŠ¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ݸ¬¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆ½Å¨¸¥¸ ÷¸¤¸ ˆÅú
¸¸÷¸ú íÿ ¸¤¸ ݸ¬¸ ˆ½Å ¬¸¿ˆ½Å÷¸ ¬œ¸«’ ¢™‰¸½¿.
Fixed Assets are reviewed for impairment whenever events or changes in circumstances warrant that the carrying amount of an asset
may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset
to the estimated current realizable value and value in use. If such assets are considered to be impaired, the impairment to be recognized
is measured by the amount by which the carrying amount of the asset exceeds estimated current realizable value of the asset or value
in use. Non-banking assets acquired in settlement of claims are reviewed for impairment only when the indications of impairment are
evident.

19. œÏ¸¨¸š¸¸›¸, ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‡¿ ‚¸¾£ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ‚¸¦¬÷¸¡¸¸¿

Provisions, Contingent Liabilities and Contingent Assets
i. ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ 29 ˆ½Å ‚›¸º³ œ¸ œÏ¸¨¸š¸¸›¸¸Ê, ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‚¸Ê ‚¸¾£ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸½ ¤¸ÿˆÅ ÷¸ž¸ú ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ¢œ¸Ž¥¸½
¢ˆÅ¬¸ú ¬¸¿¨¡¸¨¸í¸£ ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³ œ¸ ˆÅ¸½ƒÄ ¨¸÷¸ÄŸ¸¸›¸ ™½¡¸÷¸¸ ¤¸›¸ú í¾ ‚¸¾£ ƒ¬¸ ¤¸¸÷¸ ˆÅú ¬¸¿ž¸¸¨¸›¸¸ í¸½ ¢ˆÅ „Æ÷¸ ™½¡¸÷¸¸ ˆ½Å ¢›¸œ¸’¸›¸ ˆ½Å ¢¥¸‡ ‚¸¢Ä˜¸ÄˆÅ ¥¸¸ž¸¸½¿ö ˆÅ¸½ ¬¸¸ˆÅ¸£ ˆÅ£›¸½
ˆ½Å ¢¥¸‡ ¬¸¿¬¸¸š¸›¸¸½¿ ˆ½Å ¤¸¢í¨¸¸Äí ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ í¸½Š¸ú ¢¸¬¸ˆ½Å ¢¥¸‡ ™¸¢¡¸÷¨¸ ˆÅ¸ ¢¨¸æ¸¬¸›¸ú¡¸ ‚›¸ºŸ¸¸›¸ ¥¸Š¸¸¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾.
In conformity with AS 29, Provisions, Contingent Liabilities and Contingent Assets, the Bank recognizes provisions only when it
has a present obligation as a result of a past event, it is probable that an outflow of resources embodying economic benefits will
be required to settle the obligation, and when a reliable estimate of the amount of the obligation can be made.

ii. œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸½ „›¸ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ œ¸£ ¤¸’Ã’¸ˆ¼Å÷¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ „›¸ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ÷¸º¥¸›¸œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ™½¡¸÷¸¸ ˆ½Å ¢›¸œ¸’¸›¸ ˆ½Å ¢¥¸‡ ‚œ¸½¢®¸÷¸ ¬¸¨¸¸½Ä¸
‚›¸ºŸ¸¸›¸ ˆ½Å ‚¸š¸¸£ œ¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Provisions are not discounted to its present value and are determined based on best estimate required to settle the obligation at
the balance sheet date.

iii. ¢ˆÅ¬¸ú œÏ¸¨¸š¸¸›¸ ˆ½Å ¢›¸œ¸’¸›¸ ˆ½Å ¢¥¸‡ ‚œ¸½¢®¸÷¸ ¨¡¸¡¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¬¸¿ž¸¸¢¨¸÷¸ œÏ¢÷¸œ¸»¢÷¸Ä ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ÷¸ž¸ú ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ¡¸í ‚¸ž¸¸¬¸ú ³ œ¸ ¬¸½ ¬¸º¢›¸¢ä¸÷¸ í¸½ ¢ˆÅ ƒ¬¸ˆÅú
œÏ¢÷¸œ¸»¢÷¸Ä œÏ¸œ÷¸ í¸½ ¸¸‡Š¸ú.
Reimbursement expected in respect of expenditure required to settle a provision is recognized only when it is virtually certain that
the reimbursement will be received.

dm{f©H$ [anmoQ>© Annual Report 2023-24 329

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
iv. ‚¸ˆÅ¦¬Ÿ¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ›¸ ÷¸¸½ ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ›¸ íú œÏˆÅ’ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Contingent Assets are neither recognized nor disclosed.

v. ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸ ˆÅ¸ œÏˆÅ’›¸ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ¦¬˜¸¢÷¸¡¸¸Ê Ÿ¸Ê ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾À
A disclosure of contingent liability is made when there is:

• ¸¤¸ ¬¸¿ž¸¸¨¡¸ ™¸¢¡¸÷¨¸ í¸½ ¢¸¬¸ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¬¸¿¬¸¸š¸›¸¸Ê ˆÅ¸ ¤¸¢í¨¸¸Äí í¸½›¸½ ˆÅú ¬¸¿ž¸¸¨¸›¸¸ ¤¸íº÷¸ ˆÅŸ¸ ›¸ í¸½, ¡¸¸
a possible obligation in respect of which the likelihood of outflow of resources is not remote; or

• ¢ˆÅ¬¸ú ¢¨¸Š¸÷¸ ‹¸’›¸¸ ¬¸½ ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸Ê ™¸¢¡¸÷¨¸ „÷œ¸››¸ í¸½ £í¸ í¾ ¢¸¬¸½ Ÿ¸¸›¸¸ ›¸íú¿ Š¸¡¸¸ í¾ Æ¡¸¸Ê¢ˆÅ ƒ¬¸ ¤¸¸÷¸ ˆÅú ¬¸¿ž¸¸¨¡¸÷¸¸ ›¸íú¿ í¾ ¢ˆÅ ™¸¢¡¸÷¨¸ ˆ½Å ¢›¸œ¸’¸›¸ ˆ½Å ¢¥¸‡
¬¸¿¬¸¸š¸›¸¸Ê ˆ½Å ¤¸¢í¨¸¸Äí ˆÅú ¸³Å£÷¸ í¸½Š¸ú ¡¸¸ ™¸¢¡¸÷¨¸ ˆÅú £¸¢©¸ ˆÅ¸ ¢¨¸æ¸¬¸›¸ú¡¸ ‚›¸ºŸ¸¸›¸ ›¸íú¿ ¥¸Š¸¸¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸.
a present obligation arising from a past event which is not recognized as it is not probable that an outflow of resources
will be required to settle the obligation or a reliable estimate of the amount of the obligation cannot be made.

• ¸¤¸ ˆÅ¸½ƒÄ ¬¸¿ž¸¸¨¡¸ ™¸¢¡¸÷¨¸ ¡¸¸ ¨¸÷¸ÄŸ¸¸›¸ ™¸¢¡¸÷¨¸ í¸½ ¢¸¬¸ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¬¸¿¬¸¸š¸›¸¸Ê ˆ½Å ¤¸¢í¨¸¸Äí ˆÅú ¬¸¿ž¸¸¨¸›¸¸ ¤¸íº÷¸ ˆÅŸ¸ í¸½, ÷¸¸½ ˆÅ¸½ƒÄ œÏ¸¨¸š¸¸›¸ ¡¸¸ œÏˆÅ’›¸ ›¸íú¿ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾.
When there is a possible obligation or a present obligation in respect of which the likelihood of outflow of resources is
remote, no provision or disclosure is made.

20. ¥¸¸ž¸¸¿©¸ ˆÅ¸ ¥¸½‰¸¸¿ˆÅ›¸ / Accounting for Dividend

¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ (‡‡¬¸) 4 ``÷¸º¥¸›¸œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆ½Å ¤¸¸™ í¸½›¸½ ¨¸¸¥¸ú ‚¸ˆÅ¦¬Ÿ¸ˆÅ÷¸¸‡¿ ‡¨¸¿ ‹¸’›¸¸‡¿'' ˆ½Å ‚›¸º¬¸¸£, ¤¸ÿˆÅ œÏ¬÷¸¸¢¨¸÷¸ ¥¸¸ž¸¸¿©¸ ¡¸¸ ÷¸º¥¸›¸œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆ½Å ¤¸¸™
‹¸¸½¢«¸÷¸ ¥¸¸ž¸¸¿©¸ ˆÅ¸½ ¸¸¥¸» ¨¸«¸Ä ˆ½Å ÷¸º¥¸›¸œ¸°¸ Ÿ¸Ê ¥¸¸ž¸-í¸¢›¸ ‰¸¸÷¸½ ¬¸½ ¢¨¸¢›¸¡¸¸½¸›¸ ˆ½Å ¸¢£¡¸½ ™½¡¸÷¸¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ›¸íú¿ ¢™‰¸¸÷¸¸ í¾. ƒ¬¸½ ¥¸½‰¸¸Ê œ¸£ ¢’œœ¸¢µ¸¡¸¸Ê Ÿ¸Ê œÏˆÅ¢’÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸
í¾. ƒ¬¸½ ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆ½Å ‚›¸ºŸ¸¸½™›¸ ¨¸¸¥¸½ ¨¸«¸Ä Ÿ¸Ê ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾. ÷¸˜¸¸¢œ¸, œ¸»¿¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ‚›¸ºœ¸¸÷¸ ˆÅú Š¸µ¸›¸¸ ˆ½Å ¢¥¸‡ œ¸»¿¸ú ¢›¸¢š¸¡¸¸Ê ˆ½Å ¢›¸š¸¸Ä£µ¸ Ÿ¸Ê œÏ¬÷¸¸¢¨¸÷¸ ¥¸¸ž¸¸¿©¸ ˆÅ¸½
¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾.
In terms of Accounting Standard (AS) 4 “Contingencies and Events occurring after the Balance sheet date” the Bank does not account
for proposed dividend or Dividend declared after balance sheet date as a liability through appropriation from profit and loss account in
current year balance sheet. This is disclosed in the notes to accounts. The same is recognized in the year of approval of shareholders.
However, the Bank reckons proposed dividend in determining capital funds in computing the capital adequacy ratio.

21. ›¸ˆÅ™ú ‡¨¸¿ ›¸ˆÅ™ú ¬¸Ÿ¸÷¸º¥¡¸ / Cash & Cash equivalents

›¸ˆÅ™ú ‚¸¾£ ›¸ˆÅ™ú ¬¸Ÿ¸÷¸º¥¡¸ Ÿ¸Ê í¸˜¸ Ÿ¸Ê ›¸ˆÅ™ú, ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ©¸½«¸, ‚›¡¸ ¤¸ÿˆÅ¸½¿ ˆ½Å œ¸¸¬¸ ©¸½«¸ ÷¸˜¸¸ Ÿ¸¸¿Š¸ ‡¨¸¿ ‚¥œ¸ ¬¸»¸›¸¸ œ¸£ œÏ¢÷¸™½¡¸ £¸¢©¸ ©¸¸¢Ÿ¸¥¸ í¾.
Cash and cash equivalents include cash in hand, balances with RBI, balances with other banks and money at call and short notice.

22. ˆÅ¸£œ¸¸½£½’ ¬¸¸Ÿ¸¸¢¸ˆÅ ™¸¢¡¸÷¨¸ / Corporate Social Responsibility

ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆ½Å ‚›¸º¬¸¸£ ˆÅ¸Á£œ¸¸½£½’ ¬¸¸Ÿ¸¸¢¸ˆÅ ™¸¢¡¸÷¨¸ ˆ½Å ¢¥¸‡ ¢ˆÅ‡ Š¸‡ ¨¡¸¡¸ ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
Expenditure towards corporate social responsibility, in accordance with Companies Act, 2013, is recognised in the Profit and Loss
Account.

23. ™º¨¸Äí ¬¸¿¢¨¸™¸‡¿ / Onerous contracts

™º¨¸Äí ¬¸¿¢¨¸™¸‚¸Ê ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ ÷¸¤¸ ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ‡ ¸¸÷¸½ íÿ ¸¤¸ ¬¸¿¢¨¸™¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ž¸¢¨¸«¡¸ ˆ½Å ™¸¢¡¸÷¨¸¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ ˆÅú ‚œ¸¢£í¸¡¸Ä ¥¸¸Š¸÷¸¸Ê ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê ¤¸ÿˆÅ ˆÅ¸½ œÏ¸œ÷¸
í¸½›¸½ ¨¸¸¥¸½ ¥¸¸ž¸ ˆ½Å ˆÅŸ¸ í¸½›¸½ ˆÅú ¬¸¿ž¸¸¨¸›¸¸ í¸½÷¸ú í¾. œÏ¸¨¸š¸¸›¸ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¬¸¿¢¨¸™¸ ¬¸Ÿ¸¸œ÷¸ ˆÅ£›¸½ ˆÅú ‚œ¸½¢®¸÷¸ ¥¸¸Š¸÷¸ ÷¸˜¸¸ ¬¸¿¢¨¸™¸ ˆ½Å ¸¸£ú £‰¸›¸½ ˆÅú ‚œ¸½¢®¸÷¸ ¢›¸¨¸¥¸ ¥¸¸Š¸÷¸
Ÿ¸½¿ ¬¸½ ˆÅŸ¸ ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ œ¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. œÏ¸¨¸š¸¸›¸ ¢›¸š¸¸Ä£µ¸ ¬¸½ œ¸í¥¸½ ¤¸ÿˆÅ ¬¸¿¢¨¸™¸ ¬¸½ ¬¸¿¤¸Ö ‚¸¦¬÷¸¡¸¸Ê œ¸£ ¢ˆÅ¬¸ú ݸ¬¸©¸ú¥¸ ›¸ºˆÅ¬¸¸›¸ ˆÅú œ¸í¸¸›¸ ˆÅ£÷¸¸ í¾.
Provisions for onerous contracts are recognised when the expected benefits to be derived by the Bank from a contract are lower
than the unavoidable costs of meeting the future obligations under the contract. The provision is measured at the present value of the
lower of the expected cost of terminating the contract and the expected net cost of continuing with the contract. Before a provision is
established, the Bank recognises any impairment loss on the assets associated with that contract.

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‚›¸º¬¸»¸ú 18 - ¥¸½‰¸¸ ¢’œœ¸¢µ¸¡¸¸¿
SCHEDULE 18 - NOTES TO ACCOUNTS

‚. ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸½¿ ˆ½Å ‚›¸º¬¸¸£ ‚œ¸½¢®¸÷¸ œÏˆÅ’›¸

A. DISCLOSURES REQUIRED AS PER RBI GUIDELINES

1. ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ œ¸»¿¸ú / Regulatory Capital

ˆÅ) ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ œ¸»¿¸ú ˆÅú ¬¸¿£¸›¸¸
a) Composition of Regulatory Capital

¤¸ÿˆÅ ˆ½Å ¸¸½¢‰¸Ÿ¸-ž¸¸¢£÷¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê œ¸»¿¸ú ‚›¸ºœ¸¸÷¸ (`œ¸»¿¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ‚›¸ºœ¸¸÷¸') ˆÅú Š¸µ¸›¸¸ ¤¸¸¬¸½¥¸ III œ¸»¿¸ú ¢¨¸¢›¸¡¸Ÿ¸ (`¤¸¸¬¸½¥¸ III') ˆ½Å ¤¸¸£½
Ÿ¸Ê ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ˆÅú ¸¸÷¸ú í¾. ¤¸¸¬¸½¥¸ III ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¤¸ÿˆÅ ˆ½Å œ¸»¿¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ‚›¸ºœ¸¸÷¸ ˆÅú Š¸µ¸›¸¸ ›¸ú¸½ ™ú Š¸ƒÄ í¾À
The Bank’s capital to risk-weighted assets ratio (‘Capital Adequacy Ratio’) is calculated in accordance with the RBI
guidelines on Basel III capital regulations (‘Basel III’). The Bank’s capital adequacy ratio computed under Basel III is given
below:

(` ˆÅ£¸½”õ) / (` Crore)

ÇÅŸ¸. ¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

¬¸¿. Particulars As at As at
Sr. No. March 31, 2024 March 31, 2023
(i) ¬¸¸Ÿ¸¸›¡¸ ƒ¦Æ¨¸’ú ¢’¡¸£ 1 œ¸»¿¸ú (¬¸úƒÄ’ú 1) 35,504 29,604
Common Equity Tier 1 capital (CET 1)
(ii) ‚¢÷¸¢£Æ÷¸ ¢’¡¸£ 1 œ¸»¿¸ú / Additional Tier 1 capital - -

(iii) ¢’¡¸£ 1 œ¸»¿¸ú (i + ii) / Tier 1 capital (i + ii) 35,504 29,604

(iv) ¢’¡¸£ 2 œ¸»¿¸ú / Tier 2 capital 3,793 3,863

(v) ˆºÅ¥¸ œ¸»¿¸ú (¢’¡¸£ 1+ ¢’¡¸£ 2) / Total capital (Tier 1+Tier 2) 39,297 33,467

(vi) ˆºÅ¥¸ ¸¸½¢‰¸Ÿ¸ ž¸¸¢£÷¸ ‚¸¦¬÷¸¡¸¸¿ (‚¸£”¤¥¡¸»‡) 176,531 1,63,719

Total Risk Weighted Assets (RWAs)
(vii) ¬¸úƒÄ’ú 1 ‚›¸ºœ¸¸÷¸ (‚¸£”¤¥¡¸»‡ ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¬¸úƒÄ’ú 1) 20.11% 18.08%
CET 1 Ratio (CET 1 as a percentage of RWAs)
(viii) ¢’¡¸£ 1 ‚›¸ºœ¸¸÷¸ (‚¸£”¤¥¡¸»‡ ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢’¡¸£ 1 œ¸»¿¸ú) 20.11% 18.08%
Tier 1 Ratio (Tier 1 capital as a percentage of RWAs)
(ix) ¢’¡¸£ 2 ‚›¸ºœ¸¸÷¸ (‚¸£”¤¥¡¸»‡ ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢’¡¸£ 2 œ¸»¿¸ú) 2.15% 2.36%
Tier 2 Ratio (Tier 2 capital as a percentage of RWAs)
(x) ¸¸½¢‰¸Ÿ¸ ž¸¸¢£÷¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ÷¸º¥¸›¸¸ Ÿ¸½¿ œ¸»¿¸ú (¬¸ú‚¸£‡‚¸£) ‚›¸ºœ¸¸÷¸ 22.26% 20.44%
(‚¸£”¤¥¡¸»‡ ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ˆºÅ¥¸ œ¸»¿¸ú)
Capital to Risk Weighted Assets Ratio (CRAR)
(Total Capital as a percentage of RWAs)
(xi) ¢¥¸¨¸£½¸ ‚›¸ºœ¸¸÷¸ / Leverage Ratio 8.53% 7.86%

(xii) ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ˆÅú ©¸½¡¸£ š¸¸¢£÷¸¸ ˆÅ¸ œÏ¢÷¸©¸÷¸ / Percentage of the

shareholding of

ˆÅ) ž¸¸£÷¸ ¬¸£ˆÅ¸£ 45.48% 45.48%

a) Government of India

dm{f©H$ [anmoQ>© Annual Report 2023-24 331

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)

ÇÅŸ¸. ¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

¬¸¿. Particulars As at As at
Sr. No. March 31, 2024 March 31, 2023

‰¸) £¸¡¸ ¬¸£ˆÅ¸£ ¥¸¸Š¸» ›¸íì / NA ¥¸¸Š¸» ›¸íì / NA

b) State Government

Š¸) œÏ¸¡¸¸½¸ˆÅ ¤¸ÿˆÅ ¥¸¸Š¸» ›¸íì / NA ¥¸¸Š¸» ›¸íì / NA

c) Sponsor Bank
(xiii) ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¸º’¸ƒÄ Š¸ƒÄ ¸ºˆÅ÷¸¸ ƒ¦Æ¨¸’ú œ¸»¿¸ú ˆÅú £¸¢©¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Amount of paid-up equity capital raised during the year
(xiv) ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¸º’¸ƒÄ Š¸ƒÄ Š¸¾£-ƒ¦Æ¨¸’ú ¢’¡¸£ 1 œ¸»¿¸ú ˆÅú £¸¢©¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Amount of non-equity Tier 1 capital raised during the year
(xv) ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¸º’¸ƒÄ Š¸ƒÄ ¢’¡¸£ 2 œ¸»¿¸ú ˆÅú £¸¢©¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Amount of Tier 2 capital raised during the year

¢£{¸¨¸Ä ¤¸ÿˆÅ ›¸½ ¢™›¸¸¿ˆÅ 1 Ÿ¸¸¸Ä 2016 ˆ½Å œ¸¢£œ¸°¸ ¬¸¿. ”ú¤¸ú‚¸£.¬¸¿.¤¸úœ¸ú.¤¸ú¬¸ú.83/21.06.201/2015/16 ˆ½Å ׸£¸ ¬¸úƒÄ’ú-1 œ¸»¿¸ú ‚›¸ºœ¸¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê
œ¸»¿¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ˆÅú Š¸µ¸›¸¸ ˆ½Å ¢¥¸‡ œ¸»›¸Ÿ¸»Ä¥¡¸¸¿ˆÅ›¸ ¢£{¸¨¸Ä/ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ’︿¬¸¥¸½©¸›¸ ¢£{¸¨¸Ä/”ú’ú‡ œ¸£ ¢¨¸¸¸£ ˆÅ£›¸½ í½÷¸º ¤¸ÿˆÅ¸Ê ˆÅ¸½ ¢¨¸¨¸½ˆÅ¸¢š¸ˆÅ¸£ ¢™¡¸¸ í¾. ¤¸ÿˆÅ
›¸½ „œ¸¡¸ºÄÆ÷¸ Š¸µ¸›¸¸ Ÿ¸Ê ¢¨¸ˆÅ¥œ¸ ˆÅ¸ œÏ¡¸¸½Š¸ ¢ˆÅ¡¸¸ í¾.
RBI vide circular no DBR.No.BP.BC.83/21.06.201/2015/16 dated March 01, 2016 has given discretion to Banks to
consider Revaluation Reserve/ Foreign Currency Translation Reserve/ DTA for the purpose of computation of Capital
Adequacy as CET-1 capital ratio. The Bank has exercised the option in the above computation.

¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å Ÿ¸¸¾¸»™¸ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¸¸¥¸» ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ¢›¸¨¸¥¸ ¥¸¸ž¸ ˆÅ¸½ ¬¸úƒÄ’ú-1 œ¸»¿¸ú Ÿ¸Ê Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾. ƒ¬¸ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ 31 Ÿ¸¸¸Ä
2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ CET-1 œ¸»¿¸ú Ÿ¸Ê ¨¸¼¢Ö íºƒÄ.
Net Profit for the current financial year is considered in CET-1 capital in accordance with extant RBI guidelines. This had
resulted in increase in CET-1 capital for period ending March 31, 2024.

‰¸) ‚¸£¢®¸÷¸ ¢›¸¢š¸ Ÿ¸Ê ˆÅŸ¸ú

b) Draw Down from Reserves

¤¸ÿˆÅ ›¸½ 31 Ÿ¸¸¸Ä 2024 ‚¸¾£ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¸£¢®¸÷¸ ¢›¸¢š¸ Ÿ¸Ê ˆÅ¸½ƒÄ ˆÅŸ¸ú ›¸íú¿ ˆÅú í¾.
The Bank has not undertaken any drawdown from reserves during the year ended March 31, 2024 and March 31, 2023.

Š¸) ¬¸¿¢¸÷¸ í¸¢›¸¡¸¸Ê ˆÅ¸ ¬¸Ÿ¸¿¸›¸

c) Set-off of Accumulated Losses

¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ›¸½ ¢ˆÅ¬¸ú ž¸ú ¬¸¿¢¸÷¸ í¸¢›¸¡¸¸Ê ˆÅ¸ ¬¸Ÿ¸¿¸›¸ ›¸íú¿ ¢ˆÅ¡¸¸ í¾.
During financial year 2023-24 Bank has not set off any accumulated losses.

¢œ¸Ž¥¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ›¸½ ‚œ¸›¸½ ©¸½¡¸£š¸¸£ˆÅ¸Ê, ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ¬¸½ ‚›¸ºŸ¸¸½™›¸ œÏ¸œ÷¸ ˆÅ£›¸½ ˆ½Å ¤¸¸™ ‚¸¾£ £¸«’ïú¡¸ ˆ¿Åœ¸›¸ú ¢¨¸¢š¸
›¡¸¸¡¸¸¢š¸ˆÅ£µ¸ ˆ½Å ¢™›¸¸¿ˆÅ 29 Ÿ¸¸¸Ä 2023 ˆ½Å ‚¸™½©¸ ˆ½Å œ¸ä¸¸÷¸ „Æ÷¸ ÷¸¸£ú‰¸ ˆÅ¸½ ¤¸ÿˆÅ ˆ½Å œÏ¢÷¸ž¸»¢÷¸ œÏú¢Ÿ¸¡¸Ÿ¸ ‰¸¸÷¸½ Ÿ¸Ê ¸Ÿ¸¸ £¸¢©¸ ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£ˆ½Å 1 ‚œÏ¾¥¸
2021 ˆÅ¸½ ` 45,396 ˆÅ£¸½”õ ˆÅú ‚œ¸›¸ú ¬¸¿¢¸÷¸ í¸¢›¸¡¸¸Ê ˆÅ¸ ¬¸Ÿ¸¿¸›¸ ¢ˆÅ¡¸¸ ˜¸¸.
During the previous financial year 2022-23, the Bank had set off its accumulated losses of ` 45,396 crore as on April 01,
2021 by utilizing the balance outstanding to the credit of Securities Premium Account of the Bank on the said date after
obtaining approval from its shareholders, Reserve Bank of India and National Company Law Tribunal order dated March
29, 2023.

2. ‚¸¦¬÷¸ ™½¡¸÷¸¸ œÏ¤¸¿š¸›¸

Asset Liability Management
ˆÅ) 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‚¸¦¬÷¸¡¸¸Ê ‚¸¾£ ™½¡¸÷¸¸‚¸Ê ˆÅú ˆºÅŽ Ÿ¸™¸Ê ˆÅ¸ œ¸¢£œ¸Æ¨¸÷¸¸ ¬¨¸³Åœ¸
a) Maturity Pattern of Certain Items of Assets and Liabilities as on March 31, 2024

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(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ 1 ¢™›¸ 2 ¬¸½ 7 8 ¬¸½ 14 15 ¬¸½ 30 31 ¢™›¸ 2 Ÿ¸¸í ¬¸½ 3 Ÿ¸¸í ¬¸½ 6 Ÿ¸¸í ¬¸½ 1 ¨¸«¸Ä ¬¸½ 3 ¨¸«¸Ä ¬¸½ 5 ¨¸«¸Ä ¬¸½ ˆºÅ¥¸
Particulars Day 1 ¢™›¸ ¢™›¸ ¢™›¸ ¨¸ 2 Ÿ¸¸í ‚¢š¸ˆÅ ‚¢š¸ˆÅ ‚¢š¸ˆÅ ¨¸ ‚¢š¸ˆÅ ¨¸ ‚¢š¸ˆÅ ‚¢š¸ˆÅ Total
2 to 7 8 to 14 15 to 30 ÷¸ˆÅ ¨¸ 3 Ÿ¸¸í ¨¸ 6 Ÿ¸¸í 1 ¨¸«¸Ä ÷¸ˆÅ 3 ¨¸«¸Ä ÷¸ˆÅ ¨¸ 5 ¨¸«¸Ä Over 5
days days days 31 days years
÷¸ˆÅ ÷¸ˆÅ Over 6 Over 1 ÷¸ˆÅ
& upto 2 Over 2 Over 3 months year & Over 3
months months months & upto 1 upto 3 years &
& upto 3 & upto 6 year years upto 5
months months years
972 6,284 3,096 6,541 6,434 7,924 15,429 40,687 1,57,478 15,369 17,443 2,77,657
¸Ÿ¸¸£¸¢©¸¡¸¸¿# / Deposits #
492 1,084 1,867 3,277 6,194 7,931 11,518 17,952 53,705 14,717 69,884 1,88,621
‚¢ŠÏŸ¸# / Advances #
23,873 23,184 1,186 2,880 4,805 3,050 4,770 12,400 23,919 3,987 10,880 1,14,934
¢›¸¨¸½©¸ / Investments
- 556 125 305 359 611 1,354 9,001 4,767 2 3 17,083
„š¸¸£ £¸¢©¸¡¸¸¿#/Borrowings #
241 17,914 1,169 5,895 8,637 8,360 2,515 10,408 2,263 2,698 7,365 67,465
¢¨¸™½©¸ú Ÿ¸ºÍ¸ ‚¸¦¬÷¸¡¸¸¿ @
Foreign Currency assets @
6 19,328 1,782 8,713 11,553 12,518 1,326 6,981 1,589 494 20,053 84,343
¢¨¸™½©¸ú Ÿ¸ºÍ¸ ™½¡¸÷¸¸‡¿ $
Foreign Currency
Liabilities $

31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ‚¸¦¬÷¸¡¸¸Ê ‚¸¾£ ™½¡¸÷¸¸‚¸Ê ˆÅú ˆºÅŽ Ÿ¸™¸Ê ˆÅ¸ œ¸¢£œ¸Æ¨¸÷¸¸ ¬¨¸³Åœ¸
Maturity Pattern of Certain Items of Assets and Liabilities as on March 31, 2023
(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ 1 ¢™›¸ 2 ¬¸½ 7 8 ¬¸½ 14 15 ¬¸½ 30 31 ¢™›¸ 2 Ÿ¸¸í ¬¸½ 3 Ÿ¸¸í ¬¸½ 6 Ÿ¸¸í ¬¸½ 1 ¨¸«¸Ä ¬¸½ 3 ¨¸«¸Ä ¬¸½ 5 ¨¸«¸Ä ¬¸½ ˆºÅ¥¸
Particulars Day 1 ¢™›¸ ¢™›¸ ¢™›¸ ¨¸ 2 Ÿ¸¸í ‚¢š¸ˆÅ ‚¢š¸ˆÅ ‚¢š¸ˆÅ ¨¸ ‚¢š¸ˆÅ ‚¢š¸ˆÅ ‚¢š¸ˆÅ Total
2 to 7 8 to 14 15 to 30 ÷¸ˆÅ ¨¸ 3 Ÿ¸¸í ¨¸ 6 Ÿ¸¸í 1 ¨¸«¸Ä ÷¸ˆÅ ¨¸ 3 ¨¸«¸Ä ¨¸ 5 ¨¸«¸Ä Over 5
days days days 31 days years
÷¸ˆÅ ÷¸ˆÅ Over 6 ÷¸ˆÅ ÷¸ˆÅ
& upto 2 Over 2 Over 3 months Over 1 Over 3
months months months & upto 1 year & years &
& upto 3 & upto 6 year upto 3 upto 5
months months years years
739 4,419 3,670 5,864 7,707 5,897 12,704 26,147 1,54,178 14,037 20,127 2,55,490
¸Ÿ¸¸£¸¢©¸¡¸¸¿# / Deposits #
446 1,165 1,239 2,609 5,555 3,606 7,408 11,593 50,791 12,122 66,034 1,62,568
‚¢ŠÏŸ¸# / Advances #
18,990 16,531 1,713 2,178 2,461 3,297 4,053 6,277 28,171 4,117 11,901 99,690
¢›¸¨¸½©¸ / Investments
- 586 - 123 33 394 - - 11,496 - 5 12,638
„š¸¸£ £¸¢©¸¡¸¸¿# / Borrowings #
274 5,061 3,144 7,050 7,504 14,944 22,643 5,118 3,303 373 5,127 74,541
¢¨¸™½©¸ú Ÿ¸ºÍ¸ ‚¸¦¬÷¸¡¸¸¿ @
Foreign Currency assets @
86 4,365 1,774 11,707 8,399 14,266 1,503 4,625 3,433 660 18,044 68,864
¢¨¸™½©¸ú Ÿ¸ºÍ¸ ™½¡¸÷¸¸‡¿ $
Foreign Currency
Liabilities $

# ƒ›¸Ÿ¸Ê ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ©¸½«¸ £¸¢©¸¡¸¸¿ ©¸¸¢Ÿ¸¥¸ íÿ.

# Includes foreign currency balances.

@ ƒ›¸Ÿ¸Ê ¢¨¸™½©¸ú Ÿ¸ºÍ¸-²Åœ¸¡¸¸ ÇÅ¡¸-¢¨¸ÇÅ¡¸ ‚¸¦¬÷¸¡¸¸¿ ‚¸¾£ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ‚¢ŠÏŸ¸ ©¸¸¢Ÿ¸¥¸ íÿ.
@ Includes foreign currency- Rupee buy-sell assets and foreign currency advances.

$ ƒ›¸Ÿ¸Ê ¢¨¸™½©¸ú Ÿ¸ºÍ¸-²Åœ¸¡¸¸ ¢¨¸ÇÅ¡¸- ÇÅ¡¸ ¬¨¸¾œ¸ ™½¡¸÷¸¸‡¿ ‚¸¾£ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ ÷¸˜¸¸ „š¸¸£ ©¸¸¢Ÿ¸¥¸ íÿ.
$ Includes foreign currency-Rupee sell –buy swap liabilities and foreign currency deposits and borrowings.

›¸¸½’ À ¸¸¥¸» ¨¸«¸Ä ‡¨¸¿ ¢œ¸Ž¥¸½ ¨¸«¸Ä ™¸½›¸¸Ê ˆ½Å ¢¥¸‡ ‡‡¥¸‡Ÿ¸ Š¸µ¸›¸¸ ˆ½Å ¢¨¸¢ž¸››¸ ©¸ú«¸¸½ô ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‚¸¦¬÷¸¡¸¸Ê ‚¸¾£ ™½¡¸÷¸¸‚¸Ê ˆÅ¸ ¨¸Š¸úĈţµ¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆÅ¸½ œÏ¬÷¸º÷¸ ¢¨¸¨¸£¢µ¸¡¸¸Ê ˆ½Å ¬¸¿ˆÅ¥¸›¸ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ׸£¸
„œ¸¡¸¸½Š¸ ¢ˆÅ¡¸½ Š¸¡¸½ ‚›¸ºŸ¸¸›¸¸Ê ‚¸¾£ Ÿ¸¸›¡¸÷¸¸‚¸Ê œ¸£ íú ‚¸š¸¸¢£÷¸ í¾.
Note: Classification of Assets & Liabilities under the different heads of ALM computation for both current year & previous year is based on same estimates and
assumptions as used by the bank for the compiling the returns submitted to the RBI.

dm{f©H$ [anmoQ>© Annual Report 2023-24 333

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
‰¸) ¸¥¸¢›¸¢š¸ ˆÅ¨¸£½¸ ‚›¸ºœ¸¸÷¸ (‡¥¸¬¸ú‚¸£)
b) Liquidity Coverage Ratio (LCR)

(i) ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆÅú ¬¸ž¸ú ¸¸£ ¢÷¸Ÿ¸¸¢í¡¸¸Ê ˆÅ¸½ ©¸¸¢Ÿ¸¥¸ ˆÅ£÷¸½ íº‡ ‡¥¸¬¸ú‚¸£ (Ÿ¸¸°¸¸÷Ÿ¸ˆÅ œÏˆÅ’›¸)
LCR covering all the four quarters (Quantitative disclosure) for FY2023-24
(` ˆÅ£¸½”õ) / (` Crore)
Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¢™¬¸¿¤¸£ 2023 ˆÅ¸½ ¢¬¸÷¸¿¤¸£ 2023 ˆÅ¸½ ¸»›¸ 2023 ˆÅ¸½
¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú ¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú ¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú ¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú
Quarter ended Quarter ended Quarter ended Quarter ended
March 2024 December 2023 September 2023 June 2023
ÇÅ.¬¸¿. ¢¨¸¨¸£µ¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸
Sr. Particulars ž¸¸¢£÷¸ ž¸¸¢£÷¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸
No.
Ÿ¸»¥¡¸ (‚¸¾¬¸÷¸) Ÿ¸»¥¡¸ (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸)
Total (‚¸¾¬¸÷¸) Total Total Total Total Total Total
Unweighted Total Unweighted Weighted Unweighted Weighted Unweighted Weighted
Value Weighted Value Value Value Value Value Value
(Average) Value (Average) (Average) (Average) (Average) (Average) (Average)
(Average)
1 ˆºÅ¥¸ „¸ Š¸ºµ¸¨¸î¸¸œ¸»µ¸Ä ¸¥¸¢›¸¢š¸ 80,307 80,652 75,234 68,542
‚¸¦¬÷¸¡¸¸¿ (‡¸Æ¡¸»‡¥¸‡)
Total High Quality Liquid
Assets (HQLA)
›¸ˆÅ™ú ¤¸¢í¨¸¸Äí
Cash Outflows
2 ‰¸º™£¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ ‚¸¾£ Ž¸½’½
ˆÅ¸£¸½¤¸¸£ú ŠÏ¸íˆÅ¸Ê ¬¸½ œÏ¸œ÷¸ ¸Ÿ¸¸ 1,28,241 12,398 1,28,615 12,434 1,29,081 12,482 1,27,406 12,317
£¸¢©¸¡¸¸¿ ¢¸›¸Ÿ¸Ê ¬¸½À
Retail deposits and deposits
from small business
customers, of which:
(i) ¦¬˜¸£ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ 8,509 425 8,559 428 8,526 426 8,469 423
Stable deposits
(ii) ˆÅŸ¸ ¦¬˜¸£ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ 1,19,732 11,973 1,20,056 12,006 1,20,555 12,056 1,18,937 11,894
Less stable deposits
3 ‚œÏ¢÷¸ž¸»¢÷¸ ˜¸¸½ˆÅ ¢›¸š¸ú¡¸›¸, ¢¸›¸Ÿ¸Ê ¬¸½À 1,03,499 61,982 79,938 47,465 57,890 35,822 57,153 35,017
Unsecured wholesale funding,
of which:
(i) œ¸¢£¸¸¥¸›¸Š¸÷¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ 0 0 0 0 0 0 0 0
(¬¸ž¸ú œÏ¢÷¸œ¸®¸ˆÅ¸£)
Operational deposits (all
counterparties)
(ii) Š¸¾£-œ¸¢£¸¸¥¸›¸Š¸÷¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ 1,01,947 60,430 79,118 46,645 57,070 35,002 56,333 34,197
(¬¸ž¸ú œÏ¢÷¸œ¸®¸ˆÅ¸£)
Non-operational deposits
(all counterparties)
(iii) ‚œÏ¢÷¸ž¸»÷¸ †µ¸ 1,552 1,552 820 820 820 820 820 820
Unsecured debt
4 œÏ¢÷¸ž¸»÷¸ ˜¸¸½ˆÅ ¢›¸š¸ú¡¸›¸ 0 0 0 0
Secured wholesale funding
5 ‚¢÷¸¢£Æ÷¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‡¿, ¢¸›¸Ÿ¸Ê ¬¸½ 50,953 6,098 54,256 6,698 56,506 7,639 52,512 7,403
Additional requirements, of
which

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Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¢™¬¸¿¤¸£ 2023 ˆÅ¸½ ¢¬¸÷¸¿¤¸£ 2023 ˆÅ¸½ ¸»›¸ 2023 ˆÅ¸½
¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú ¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú ¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú ¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú
Quarter ended Quarter ended Quarter ended Quarter ended
March 2024 December 2023 September 2023 June 2023
ÇÅ.¬¸¿. ¢¨¸¨¸£µ¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸
Sr. Particulars ž¸¸¢£÷¸ ž¸¸¢£÷¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸
No.
Ÿ¸»¥¡¸ (‚¸¾¬¸÷¸) Ÿ¸»¥¡¸ (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸)
Total (‚¸¾¬¸÷¸) Total Total Total Total Total Total
Unweighted Total Unweighted Weighted Unweighted Weighted Unweighted Weighted
Value Weighted Value Value Value Value Value Value
(Average) Value (Average) (Average) (Average) (Average) (Average) (Average)
(Average)
(i) ”½¢£¨¸½¢’¨¸ ‡Æ¬¸œ¸¸½¸£ ‚¸¾£ ‚›¡¸ 1,028 1,028 1,018 1,018 1,116 1,116 1,028 1,028
¬¸¿œ¸¸¢æ¸ÄˆÅ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ¬¸½
¬¸¿¤¸¿¢š¸÷¸ ¤¸¢í¨¸¸Äí
Outflows related to
derivative exposures
and other collateral
requirements
(ii) †µ¸ „÷œ¸¸™¸Ê œ¸£ ¢›¸š¸ú¡¸›¸ í¸¢›¸ 0 0 0 0 0 0 0 0
¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¤¸¢í¨¸¸Äí
Outflows related to loss of
funding on debt products

(iii) ǽŢ”’ ‚¸¾£ ¸¥¸¢›¸¢š¸ 49,925 5,070 53,238 5,680 55,390 6,523 51,484 6,375
Credit and liquidity

6 ‚›¡¸ ¬¸¿¢¨¸™¸Š¸÷¸ ¢›¸š¸ú¡¸›¸ ™¸¢¡¸÷¨¸ 1,939 1,939 1,773 1,773 2,025 2,025 1,965 1,965
Other contractual funding
obligations

7 ‚›¡¸ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ¢›¸š¸ú¡¸›¸ ™¸¢¡¸÷¨¸ 1,11,511 3,345 1,09,500 3,284 1,08,495 3,255 1,01,101 3,033
Other contingent funding
obligations

8 ˆºÅ¥¸ ›¸ˆÅ™ú ¤¸¢í¨¸¸Äí 85,762 71,654 61,223 59,735

Total Cash Outflows

›¸ˆÅ™ú ‚¿÷¸¨¸¸Äí
Cash Inflows

9 œÏ¢÷¸ž¸»÷¸ †µ¸ (‚˜¸¸Ä÷¸Ã ¢£¨¸¬¸Ä £½œ¸¸½ ) 276 0 230 0 51 0 208 0

Secured lending (e.g. reverse
repos)

10 œ¸»µ¸Ä÷¸À ‚¸ÄˆÅ ‡Æ¬¸œ¸¸½¸£¸Ê ¬¸½ 8,911 4,455 8,719 4,360 8,630 4,315 9,169 4,585
‚¿÷¸¨¸¸Äí
Inflows from fully performing
exposures

11 ‚›¡¸ ›¸ˆÅ™ú ‚¿÷¸¨¸¸Äí 14,595 14,295 9,089 8,788 7,716 7,416 7,994 7,849
Other cash inflows

12 ˆºÅ¥¸ ›¸ˆÅ™ú ‚¿÷¸¨¸¸Äí 23,782 18,750 18,038 13,148 16,397 11,731 17,371 12,434
Total Cash Inflows

ˆºÅ¥¸ ˆºÅ¥¸ ˆºÅ¥¸ ˆºÅ¥¸

¬¸Ÿ¸¸¡¸¸½¢¸÷¸ ¬¸Ÿ¸¸¡¸¸½¢¸÷¸ ¬¸Ÿ¸¸¡¸¸½¢¸÷¸ ¬¸Ÿ¸¸¡¸¸½¢¸÷¸
Ÿ¸»¥¡¸ Ÿ¸»¥¡¸ Ÿ¸»¥¡¸ Ÿ¸»¥¡¸
Total Total Total Total
Adjusted Adjusted Adjusted Adjusted
Value Value Value Value

dm{f©H$ [anmoQ>© Annual Report 2023-24 335

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¢™¬¸¿¤¸£ 2023 ˆÅ¸½ ¢¬¸÷¸¿¤¸£ 2023 ˆÅ¸½ ¸»›¸ 2023 ˆÅ¸½
¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú ¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú ¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú ¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú
Quarter ended Quarter ended Quarter ended Quarter ended
March 2024 December 2023 September 2023 June 2023
ÇÅ.¬¸¿. ¢¨¸¨¸£µ¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸
Sr. Particulars ž¸¸¢£÷¸ ž¸¸¢£÷¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸
No.
Ÿ¸»¥¡¸ (‚¸¾¬¸÷¸) Ÿ¸»¥¡¸ (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸)
Total (‚¸¾¬¸÷¸) Total Total Total Total Total Total
Unweighted Total Unweighted Weighted Unweighted Weighted Unweighted Weighted
Value Weighted Value Value Value Value Value Value
(Average) Value (Average) (Average) (Average) (Average) (Average) (Average)
(Average)
13 ˆºÅ¥¸ ‡¸Æ¡¸»‡¥¸‡ 80,307 80,652 75,234 68,542
Total HQLA

14 ˆºÅ¥¸ ¢›¸¨¸¥¸ ›¸ˆÅ™ú ¤¸¢í¨¸¸Äí 67,012 58,506 49,492 47,301

Total Net Cash Outflows

15 ¸¥¸¢›¸¢š¸ ˆÅ¨¸£½¸ ‚›¸ºœ¸¸÷¸ (%) 119.84% 137.85% 152.01% 144.90%

Liquidity Coverage Ratio (%)

¢’œœµ¸ú À ¢™›¸¸¿ˆÅ 09 ¸»›¸ 2014 ˆ½Å ‚¸£¤¸ú‚¸ƒÄ œ¸¢£œ¸°¸ ¬¸¿™ž¸ÄÀ ‚¸£¤¸ú‚¸ƒÄ/2013-14/635 ”ú¤¸ú‚¸½”ú.¤¸úœ¸ú.¤¸ú¬¸ú.¬¸¿.120/21.04.098/2013-14 ˆ½Å ‚›¸º¬¸¸£, ‚¸¾¬¸÷¸ ž¸¸¢£÷¸ ‚¸¾£ Š¸¾£ ž¸¸¢£÷¸
£¸¢©¸¡¸¸Ê ˆÅú Š¸µ¸›¸¸ ˆÅ¸¡¸Ä ¢™¨¸¬¸¸Ê ˆ½Å ¢¥¸‡ 1 ‚œÏ¾¥¸ ¬¸½ 31 Ÿ¸¸¸Ä ÷¸ˆÅ ™¾¢›¸ˆÅ ¬¸¸š¸¸£µ¸ ‚¸¾¬¸÷¸ ¥¸½÷¸½ íº‡ ˆÅú ¸¸÷¸ú í¾.
Note: In accordance with RBI circular Ref: RBI/2013-14/635 DBOD.BP.BC.No.120 /21.04.098/2013-14 dated June 09, 2014, the average
weighted and un-weighted amounts are calculated taking daily simple average from 1st April to 31st March for working days.

¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆÅú ¬¸ž¸ú ¸¸£ ¢÷¸Ÿ¸¸¢í¡¸¸Ê ˆÅ¸½ ©¸¸¢Ÿ¸¥¸ ˆÅ£÷¸½ íº‡ ‡¥¸¬¸ú‚¸£ (Ÿ¸¸°¸¸÷Ÿ¸ˆÅ œÏˆÅ’›¸)
LCR covering all the four quarters (Quantitative disclosure) for FY2022-23
(` ˆÅ£¸½”õ) / (` Crore)
Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¢™¬¸¿¤¸£ 2022 ˆÅ¸½ ¢¬¸÷¸¿¤¸£ 2022 ˆÅ¸½ ¸»›¸ 2022 ˆÅ¸½
¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú ¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú ¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú ¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú
Quarter ended Quarter ended Quarter ended Quarter ended
March 2023 December 2022 September 2022 June 2022
ÇÅ.¬¸¿. ¢¨¸¨¸£µ¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸
Sr. Particulars ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸
No.
(‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸)
Total Total Total Total Total Total Total Total
Unweighted Weighted Unweighted Weighted Unweighted Weighted Unweighted Weighted
Value Value Value Value Value Value Value Value
(Average) (Average) (Average) (Average) (Average) (Average) (Average) (Average)
1 ˆºÅ¥¸ „¸ Š¸ºµ¸¨¸î¸¸œ¸»µ¸Ä ¸¥¸¢›¸¢š¸ 64,956 59,009 60,592 63,766
‚¸¦¬÷¸¡¸¸¿ (‡¸Æ¡¸»‡¥¸‡)
Total High Quality Liquid
Assets (HQLA)
›¸ˆÅ™ú ¤¸¢í¨¸¸Äí
Cash Outflows
2 ‰¸º™£¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ ‚¸¾£ Ž¸½’½ 1,25,989 12,175 1,22,886 11,864 1,22,413 11,817 1,22,786 11,848
ˆÅ¸£¸½¤¸¸£ú ŠÏ¸íˆÅ¸Ê ¬¸½ œÏ¸œ÷¸ ¸Ÿ¸¸
£¸¢©¸¡¸¸¿ ¢¸›¸Ÿ¸Ê ¬¸½À
Retail deposits and deposits
from small business
customers, of which:
(i) ¦¬˜¸£ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ 8,461 423 8,510 426 8,498 425 8,610 430
Stable deposits
(ii) ˆÅŸ¸ ¦¬˜¸£ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ 1,17,528 11,752 1,14,376 11,438 1,13,915 11,392 1,14,176 11,418
Less stable deposits

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Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¢™¬¸¿¤¸£ 2022 ˆÅ¸½ ¢¬¸÷¸¿¤¸£ 2022 ˆÅ¸½ ¸»›¸ 2022 ˆÅ¸½
¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú ¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú ¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú ¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú
Quarter ended Quarter ended Quarter ended Quarter ended
March 2023 December 2022 September 2022 June 2022
ÇÅ.¬¸¿. ¢¨¸¨¸£µ¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸
Sr. Particulars ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸
No.
(‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸)
Total Total Total Total Total Total Total Total
Unweighted Weighted Unweighted Weighted Unweighted Weighted Unweighted Weighted
Value Value Value Value Value Value Value Value
(Average) (Average) (Average) (Average) (Average) (Average) (Average) (Average)
3 ‚œÏ¢÷¸ž¸»÷¸ ˜¸¸½ˆÅ ¢›¸š¸ú¡¸›¸, ¢¸›¸Ÿ¸Ê ¬¸½À 57,288 34,622 55,090 35,333 53,912 34,742 52,926 33,049
Unsecured wholesale funding,
of which:
(i) œ¸¢£¸¸¥¸›¸Š¸÷¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ 0 0 0 0 0 0 0 0
(¬¸ž¸ú œÏ¢÷¸œ¸®¸ˆÅ¸£)
Operational deposits (all
counterparties)
(ii) Š¸¾£-œ¸¢£¸¸¥¸›¸Š¸÷¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ 56,468 33,802 54,270 34,513 53,092 33,922 52,106 32,229
(¬¸ž¸ú œÏ¢÷¸œ¸®¸ˆÅ¸£)
Non-operational deposits
(all counterparties)
(iii) ‚œÏ¢÷¸ž¸»÷¸ †µ¸ 820 820 820 820 820 820 820 820
Unsecured debt
4 œÏ¢÷¸ž¸»÷¸ ˜¸¸½ˆÅ ¢›¸š¸ú¡¸›¸ 0 0 0 0
Secured wholesale funding
5 ‚¢÷¸¢£Æ÷¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‡¿, ¢¸›¸Ÿ¸Ê ¬¸½ 5,516 2,645 2,371 2,191 1,203 1,195 627 627
Additional requirements, of
which
(i) ”½¢£¨¸½¢’¨¸ ‡Æ¬¸œ¸¸½¸£ ‚¸¾£ ‚›¡¸ 2,164 2,164 2,071 2,071 1,190 1190 627 627
¬¸¿œ¸¸¢æ¸ÄˆÅ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ¬¸½
¬¸¿¤¸¿¢š¸÷¸ ¤¸¢í¨¸¸Äí
Outflows related to
derivative exposures
and other collateral
requirements
(ii) †µ¸ „÷œ¸¸™¸Ê œ¸£ ¢›¸š¸ú¡¸›¸ í¸¢›¸ 0 0 0 0 0 0 0 0
¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¤¸¢í¨¸¸Äí
Outflows related to loss of
funding on debt products
(iii) ǽŢ”’ ‚¸¾£ ¸¥¸¢›¸¢š¸ 3,352 481 300 120 13 5 0 0
Credit and liquidity
6 ‚›¡¸ ¬¸¿¢¨¸™¸Š¸÷¸ ¢›¸š¸ú¡¸›¸ ™¸¢¡¸÷¨¸ 1,864 1,864 1,546 1,546 1,677 1,677 1,583 1,583
Other contractual funding
obligations
7 ‚›¡¸ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ¢›¸š¸ú¡¸›¸ ™¸¢¡¸÷¨¸ 1,47,047 6,207 1,53,993 6,677 1,45,594 6,266 1,41,892 6,147
Other contingent funding
obligations
8 ˆºÅ¥¸ ›¸ˆÅ™ú ¤¸¢í¨¸¸Äí 57,513 57,611 55,697 53,254
Total Cash Outflows
›¸ˆÅ™ú ‚¿÷¸¨¸¸Äí
Cash Inflows
9 œÏ¢÷¸ž¸»÷¸ †µ¸ 355 0 269 0 140 0 4,799 0
Secured lending
10 œ¸»µ¸Ä÷¸À ‚¸ÄˆÅ ‡Æ¬¸œ¸¸½¸£¸Ê ¬¸½ 6,341 3,157 5,712 2,856 5,591 2,795 4,338 2,169
‚¿÷¸¨¸¸Äí
Inflows from fully performing
exposures

dm{f©H$ [anmoQ>© Annual Report 2023-24 337

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¢™¬¸¿¤¸£ 2022 ˆÅ¸½ ¢¬¸÷¸¿¤¸£ 2022 ˆÅ¸½ ¸»›¸ 2022 ˆÅ¸½
¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú ¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú ¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú ¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú
Quarter ended Quarter ended Quarter ended Quarter ended
March 2023 December 2022 September 2022 June 2022
ÇÅ.¬¸¿. ¢¨¸¨¸£µ¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸ ˆºÅ¥¸ Š¸¾£ ˆºÅ¥¸
Sr. Particulars ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸
No.
(‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸) (‚¸¾¬¸÷¸)
Total Total Total Total Total Total Total Total
Unweighted Weighted Unweighted Weighted Unweighted Weighted Unweighted Weighted
Value Value Value Value Value Value Value Value
(Average) (Average) (Average) (Average) (Average) (Average) (Average) (Average)
11 ‚›¡¸ ›¸ˆÅ™ú ‚¿÷¸¨¸¸Äí 6,453 6,474 6,595 6,470 5,686 5,674 6,180 6,180
Other cash inflows
12 ˆºÅ¥¸ ›¸ˆÅ™ú ‚¿÷¸¨¸¸Äí 13,149 9,631 12,576 9,326 11,417 8,469 15,317 8,349
Total Cash Inflows
ˆºÅ¥¸ ˆºÅ¥¸ ˆºÅ¥¸ ˆºÅ¥¸
¬¸Ÿ¸¸¡¸¸½¢¸÷¸ ¬¸Ÿ¸¸¡¸¸½¢¸÷¸ ¬¸Ÿ¸¸¡¸¸½¢¸÷¸ ¬¸Ÿ¸¸¡¸¸½¢¸÷¸
Ÿ¸»¥¡¸ Ÿ¸»¥¡¸ Ÿ¸»¥¡¸ Ÿ¸»¥¡¸
Total Total Total Total
Adjusted Adjusted Adjusted Adjusted
Value Value Value Value
13 ˆºÅ¥¸ ‡¸Æ¡¸»‡¥¸‡ 64,956 59,009 60,592 63,766
Total HQLA
14 ˆºÅ¥¸ ¢›¸¨¸¥¸ ›¸ˆÅ™ú ¤¸¢í¨¸¸Äí 47,882 48,285 47,228 44,905
Total Net Cash Outflows
15 ¸¥¸¢›¸¢š¸ ˆÅ¨¸£½¸ ‚›¸ºœ¸¸÷¸ (%) 135.66% 122.21% 128.30% 142.00%
Liquidity Coverage Ratio (%)

(ii) ¸¥¸¢›¸¢š¸ ˆÅ¨¸£½¸ ‚›¸ºœ¸¸÷¸ (‡¥¸¬¸ú‚¸£) ˆ½Å ‚¸¬¸-œ¸¸¬¸ Š¸ºµ¸¸÷Ÿ¸ˆÅ œÏˆÅ’›¸

Qualitative disclosure around Liquidity Coverage Ratio (LCR)

¨¸«¸Ä 2007 Ÿ¸Ê ©¸º³ íº‡ ¨¸¾¢æ¸ˆÅ ¢¨¸î¸ú¡¸ ¬¸¿ˆÅ’ ˆÅú œ¸¼«“ž¸»¢Ÿ¸ Ÿ¸Ê ¤¸ÿ¢ˆ¿ÅŠ¸ œ¸¡¸Ä¨¸½®¸µ¸ œ¸£ ¤¸¸¬¸½¥¸ ¬¸¢Ÿ¸¢÷¸ (¤¸ú¬¸ú¤¸ú‡¬¸) ›¸½ ¤¸ÿ¢ˆ¿ÅŠ¸ ®¸½°¸ ˆÅ¸½ ‚¸¾£ ‚¢š¸ˆÅ ¬¸º´õ
¤¸›¸¸›¸½ ˆ½Å „Ó½©¡¸ ¬¸½ ¨¸¾¢æ¸ˆÅ œ¸»¿¸ú ‚¸¾£ ¸¥¸¢›¸¢š¸ ¢¨¸¢›¸¡¸Ÿ¸›¸ ˆÅ¸½ Ÿ¸¸¤¸»÷¸ú œÏ™¸›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¬¸ºš¸¸£ ˆ½Å ˆºÅŽ œÏ¬÷¸¸¨¸ £‰¸½ ˜¸½. ƒ¬¸ ¢™©¸¸ Ÿ¸Ê ¤¸ú¬¸ú¤¸ú‡¬¸ ›¸½
¸›¸¨¸£ú 2013 Ÿ¸Ê `¤¸¸¬¸½¥¸ III À ¸¥¸¢›¸¢š¸ ˆÅ¨¸£½¸ ‚›¸ºœ¸¸÷¸ ‚¸¾£ ¸¥¸¢›¸¢š¸ ¸¸½¢‰¸Ÿ¸ ¢›¸Š¸£¸›¸ú ¬¸¸š¸›¸' ‚¸¾£ ¸›¸¨¸£ú 2014 Ÿ¸Ê `¸¥¸¢›¸¢š¸ ˆÅ¨¸£½¸ ‚›¸ºœ¸¸÷¸
œÏˆÅ’úˆÅ£µ¸ Ÿ¸¸›¸ˆÅ' œ¸£ ¢™©¸¸¢›¸™½Ä©¸ œÏˆÅ¸¢©¸÷¸ ¢ˆÅ‡ ˜¸½. ÷¸™›¸º¬¸¸£, ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ›¸½ ¢™›¸¸¿ˆÅ 09 ¸»›¸ 2014 ˆ½Å ‚œ¸›¸½ œ¸¢£œ¸°¸ ˆ½Å ׸£¸ ¸¥¸¢›¸¢š¸
ˆÅ¨¸£½¸ ‚›¸ºœ¸¸÷¸ (‡¥¸¬¸ú‚¸£) œ¸£ ¢™©¸¢›¸™½Ä©¸ ¸¸£ú ¢ˆÅ‡ ˜¸½.
In the backdrop of the global financial crisis that started in 2007, the Basel Committee on Banking Supervision (BCBS)
proposed certain reforms to strengthen global capital and liquidity regulations with the objective of promoting a more
resilient banking sector. In this direction BCBS published guidelines on ‘Basel III: The Liquidity Coverage Ratio and
liquidity risk monitoring tools’ in January 2013 and the ‘Liquidity Coverage Ratio Disclosure Standards’ in January 2014.
Accordingly, Reserve Bank of India, vide its circular dated June 09, 2014, issued guidelines on Liquidity Coverage Ratio
(LCR).

¸¥¸¢›¸¢š¸ ˆÅ¨¸£½¸ ‚›¸ºœ¸¸÷¸ ¬¸¿ž¸¸¢¨¸÷¸ ¸¥¸ ¢›¸¢š¸ ¢¨¸‹¸’›¸¸Ê ˆ½Å œÏ¢÷¸ ¤¸ÿˆÅ ˆÅú ‚¥œ¸¸¨¸¢š¸ ‚¸‹¸¸÷¸-¬¸í›¸ú¡¸÷¸¸ ˆÅ¸½ ¡¸í ¬¸º¢›¸¢ä¸÷¸ ˆÅ£÷¸½ íº‡ ¤¸õ¸¨¸¸ ™½÷¸¸ í¾ ¢ˆÅ 30
¢™›¸¸Ê ÷¸ˆÅ ¤¸›¸ú £í›¸½ ¨¸¸¥¸ú ¢¨¸ˆÅ’ ™¤¸¸¨¸ŠÏ÷¸ ¦¬˜¸¢÷¸¡¸¸Ê ˆÅ¸ ¬¸¸Ÿ¸›¸¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ „›¸ˆ½Å œ¸¸¬¸ œ¸¡¸¸Äœ÷¸ „¸ Š¸ºµ¸¨¸î¸¸ ¨¸¸¥¸ú ¸¥¸¢›¸¢š¸ ‚¸¦¬÷¸¡¸¸¿ (‡¸Æ¡¸»‡¥¸‡)
íÿ. ¸¥¸¢›¸¢š¸ ˆÅ¨¸£½¸ ‚›¸ºœ¸¸÷¸ Ÿ¸¸›¸ˆÅ ˆÅ¸ „Ó½©¡¸ ¡¸í ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸¸ í¾ ¢ˆÅ ¤¸ÿˆÅ œ¸¡¸¸Äœ÷¸ Ÿ¸¸°¸¸ Ÿ¸Ê ž¸¸£Ÿ¸ºÆ÷¸ „¸ Š¸ºµ¸¨¸î¸¸ ¨¸¸¥¸ú ¸¥¸¢›¸¢š¸ ‚¸¦¬÷¸¡¸¸¿
¤¸›¸¸‡ £‰¸½ ¢¸¬¸½ œ¸¡¸Ä¨¸½®¸ˆÅ¸Ê ׸£¸ ¢¨¸¢›¸¢™Ä«’ ‚÷¡¸¢š¸ˆÅ Š¸¿ž¸ú£ ¸¥¸¢›¸¢š¸ ™¤¸¸¨¸ ¨¸¸¥¸ú ¦¬˜¸¢÷¸ Ÿ¸Ê 30 ˆ¾Å¥¸Ê”£ ¢™¨¸¬¸ ˆÅú ¬¸Ÿ¸¡¸¸¨¸¢š¸ í½÷¸º ‚œ¸›¸ú ¸¥¸¢›¸¢š¸
‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ˆÅú œ¸»¢÷¸Ä ˆ½Å ¢¥¸‡ ›¸ˆÅ™ú Ÿ¸Ê ³Åœ¸¸¿÷¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆ½Å.
The LCR promotes short-term resilience of banks to potential liquidity disruptions by ensuring that they have sufficient
high quality liquid assets (HQLAs) to survive an acute stress scenario lasting for 30 days. The LCR standard aims to
ensure that a bank maintains an adequate level of unencumbered HQLAs that can be converted into cash to meet
its liquidity needs for a 30 calendar day time horizon under a significantly severe liquidity stress scenario specified by
supervisors.

338 Friendship That

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Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
¸¥¸¢›¸¢š¸ ˆÅ¨¸£½¸ ‚›¸ºœ¸¸÷¸ ˆÅú œ¸¢£ž¸¸«¸¸ / Definition of LCR:
„¸ Š¸ºµ¸¨¸î¸¸ œ¸»µ¸Ä ¸¥¸¢›¸¢š¸ ‚¸¦¬÷¸¡¸¸¿ (‡¸Æ¡¸»‡¥¸‡) ¬’¸ÁˆÅ / Stock of high quality liquid assets (HQLAs)
> = 100%
‚Š¸¥¸½ 30 ˆ¾Å¥¸Ê”£ ¢™›¸¸Ê ˆÅ¸ ˆºÅ¥¸ ¢›¸¨¸¥¸ ›¸ˆÅ™ú ¤¸¢í¨¸¸Äí / Total net cash outflows over the next 30 calendar days
¸¥¸¢›¸¢š¸ ˆÅ¨¸£½¸ ‚›¸ºœ¸¸÷¸ ˆÅú ‚œ¸½®¸¸‡¿ 01 ¸›¸¨¸£ú 2015 ¬¸½ ¤¸ÿˆÅ¸Ê œ¸£ ¤¸¸š¡¸ˆÅ¸£ú íÿ. ‡¥¸¬¸ú‚¸£ ˆÅ¸½ 100% ˆÅú ™£ ¬¸½ ¤¸›¸¸‡ £‰¸¸ ¸¸›¸¸ í¾.
The LCR requirement is binding on banks from January 1, 2015. LCR is to be maintained at 100%.

„¸ Š¸ºµ¸¨¸î¸¸ ¨¸¸¥¸ú ¸¥¸¢›¸¢š¸ ‚¸¦¬÷¸¡¸¸¿ (‡¸Æ¡¸»‡¥¸‡) / High Quality Liquid Assets (HQLA):
ƒ¬¸ Ÿ¸¸›¸ˆÅ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¤¸ÿˆÅ¸Ê ˆ½Å ¢¥¸‡ ¢›¸š¸¸Ä¢£÷¸ ™¤¸¸¨¸ŠÏ¬÷¸ œ¸¢£´©¡¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ 30 ¢™›¸ ˆÅú ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ˆºÅ¥¸ ¢›¸¨¸¥¸ ›¸ˆÅ™ú ¤¸¢í¨¸¸Äí ˆÅ¸½ ©¸¸¢Ÿ¸¥¸ ˆÅ£›¸½
ˆ½Å ¢¥¸‡ ‚ž¸¸£ŠÏ¬÷¸ ‡¸Æ¡¸»‡¥¸‡ ˆÅ¸ ¬’¸ÁˆÅ £‰¸›¸¸ ‚¢›¸¨¸¸¡¸Ä í¾. ‡¸Æ¡¸»‡¥¸‡ ˆ½Å ³Åœ¸ Ÿ¸Ê œ¸¸°¸ í¸½›¸½ ˆ½Å „Ó½©¡¸ ¬¸½ ™¤¸¸¨¸ ˆÅ¸¥¸ ˆ½Å ™¸¾£¸›¸ ‚¸¦¬÷¸¡¸¸¿ ¤¸¸{¸¸£ Ÿ¸Ê
›¸ˆÅ™ú ¬¸º¥¸ž¸ í¸½›¸ú ¸¸¢í‡ ‚¸¾£ ‚¢š¸ˆÅ¸¿©¸ Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê ˆÊÅÍú¡¸ ¤¸ÿˆÅ ˆ½Å œ¸¢£¸¸¥¸›¸¸Ê Ÿ¸Ê „œ¸¡¸¸½Š¸ ˆ½Å ¢¥¸‡ œ¸¸°¸ í¸½›¸ú ¸¸¢í‡. ¤¸ÿˆÅ ˆÅú ‡¸Æ¡¸»‡¥¸‡ Ÿ¸Ê Ÿ¸º‰¡¸÷¸À
‚¢›¸¨¸¸¡¸Ä ‚œ¸½®¸¸‚¸Ê ¬¸½ ‚¢š¸ˆÅ ‡¬¸‡¥¸‚¸£ ¢›¸¨¸½©¸, ¬¸úŸ¸¸¿÷¸ ¬˜¸¸¡¸ú ¬¸º¢¨¸š¸¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ „š¸¸£ (‡›¸”ú’ú‡¥¸ ˆÅ¸ 2%) ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ „œ¸¥¸¤š¸ ¸¥¸¢›¸¢š¸,
¸¥¸¢›¸¢š¸ ˆÅ¨¸£½¸ ‚›¸ºœ¸¸÷¸ (‡›¸”ú’ú‡¥¸ ˆÅ¸ 16%) ˆ½Å ¢¥¸‡ ¸¥¸¢›¸¢š¸ œÏ¸œ÷¸ ˆÅ£›¸½ ˆÅú ¬¸º¢¨¸š¸¸ ÷¸˜¸¸ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ‚›¸ºŸ¸÷¸
‚›¡¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ©¸¸¢Ÿ¸¥¸ íÿ.
Under the standard, banks must hold a Stock of unencumbered HQLA to cover the total net cash outflows over 30-day
period under the prescribed stress scenario. In order to qualify as HQLA, assets should be liquid in markets during times
of stress and, in most cases, be eligible for use in central bank operations. The HQLA of the Bank mainly comprise of
SLR investments over and above mandatory requirement, liquidity available by way of borrowing under Marginal Standing
Facility (2% of NDTL), Facility to Avail Liquidity for Liquidity Coverage Ratio (16% of NDTL) & other securities as may be
permitted by Reserve Bank of India from time to time.
ˆºÅ¥¸ ¢›¸¨¸¥¸ ›¸ˆÅ™ú ¤¸¢í¨¸¸Äí / Total net cash outflows:
ˆºÅ¥¸ œÏ÷¡¸¸¢©¸÷¸ ›¸ˆÅ™ú ¤¸¢í¨¸¸Äí ˆÅú Š¸µ¸›¸¸ ¢¨¸¢ž¸››¸ ª½¢µ¸¡¸¸Ê ˆÅú ¤¸ˆÅ¸¡¸¸ ©¸½«¸ £¸¢©¸¡¸¸Ê ¡¸¸ ™½¡¸÷¸¸ ˆ½Å œÏˆÅ¸£¸Ê ÷¸˜¸¸ ÷¸º¥¸›¸-œ¸°¸ ¬¸½ ¤¸¸à¸ ¨¸¸›¸¤¸Ö÷¸¸‚¸Ê Ÿ¸Ê „›¸
™£¸Ê ˆÅ¸ Š¸ºµ¸¸ ˆÅ£ˆ½Å ˆÅú ¸¸÷¸ú í¾, ¢¸›¸ œ¸£ „›¸ˆ½Å ¤¸õ›¸½ ¡¸¸ ‹¸’›¸½ ˆÅú ‚¸©¸¸ í¾. ˆºÅ¥¸ œÏ÷¡¸¸¢©¸÷¸ ›¸ˆÅ™ú ‚¿÷¸¨¸¸Äí¸½¿ ˆÅú Š¸µ¸›¸¸ ¬¸¿¢¨¸™¸Š¸÷¸ œÏ¸œ¡¸ £¸¢©¸¡¸¸Ê ˆÅú
¢¨¸¢ž¸››¸ ª½¢µ¸¡¸¸Ê ˆ½Å ¤¸ˆÅ¸¡¸¸ ©¸½«¸ Ÿ¸Ê „›¸ ™£¸Ê ˆÅ¸½ Š¸ºµ¸¸ ˆÅ£ˆ½Å ˆÅú ¸¸÷¸ú í¾, ¢¸›¸ œ¸£ „›¸ˆ½Å œÏ¨¸¸¢í÷¸ í¸½›¸½ ˆÅú ‚¸©¸¸ í¾.
Total expected cash out flows are calculated by multiplying the outstanding balances of various categories or types
of liabilities and off-balance sheet commitments by the rates at which they are expected to run off or be drawn down.
Total expected cash inflows are calculated by multiplying the outstanding balances of various categories of contractual
receivables by the rates at which they are expected to flow.
¸¥¸¢›¸¢š¸ œÏ¤¸¿š¸›¸ / Liquidity Management:
¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ¤¸¸½”Ä ×¸£¸ ‚›¸ºŸ¸¸½¢™÷¸ ‡ˆÅ ¬¸º¬¸¿Š¸¢“÷¸ ¸¥¸¢›¸¢š¸ ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ¬¸¿£¸›¸¸ í¾ ¸¸½ ‡‡¥¸‡Ÿ¸ ›¸ú¢÷¸ Ÿ¸Ê ¨¸¢µ¸Ä÷¸ í¾. ¤¸ÿˆÅ ˆÅú ‚¸¦¬÷¸ ™½¡¸÷¸¸ œÏ¤¸¿š¸›¸
¬¸¢Ÿ¸¢÷¸ (‡¥ˆÅ¸½) ˆÅ¸£¸½¤¸¸£ú £µ¸›¸ú¢÷¸ ˆ½Å ‚›¸º³Åœ¸ ¸¥¸¢›¸¢š¸ ‚¸¾£ ¤¡¸¸¸ ™£ ¸¸½¢‰¸Ÿ¸ ˆÅú ¢›¸Š¸£¸›¸ú ‡¨¸¿ œÏ¤¸¿š¸›¸ ˆÅ£÷¸ú í¾. ¸¥¸¢›¸¢š¸ ¢¨¸©¥¸½«¸µ¸ ‡¨¸¿ œÏ¤¸¿š¸›¸
¬¸¢í÷¸ ‡‡¥¸‡Ÿ¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸ ˆÅ¸ ¬¸¿¸¸¥¸›¸ ‚¸¦¬÷¸ ™½¡¸÷¸¸ œÏ¤¸¿š¸›¸, ’ｏ¸£ú ü¿Å’ ‚¸Á¢ûŬ¸, ¤¸¸’ ‡¨¸¿ ¡¸¸½¸›¸¸ ‚¸¢™ ˆ½Å ˆÅ¸¡¸¸Ä÷Ÿ¸ˆÅ ®¸½°¸¸Ê Ÿ¸Ê ˆÅ¸¡¸Ä£÷¸ ¢¨¸¢ž¸››¸
‡¥ˆÅ¸½ ¬¸í¸¡¸÷¸¸ ¬¸Ÿ¸»í¸Ê ˆ½Å ¤¸ú¸ ¬¸Ÿ¸›¨¸¡¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ˆÅ¸£¸½¤¸¸£ú ¬¸Ÿ¸»í¸Ê ‡¨¸¿ ¨¸¢’Ĉť¸¸Ê ׸£¸ ‡¥ˆÅ¸½ ¢™©¸¸-¢›¸™½Ä©¸¸Ê ÷¸˜¸¸ ‡‡¥¸‡Ÿ¸ ˆÅ¸£Ä¨¸¸ƒ¡¸¸Ê
ˆÅ¸ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
The Bank has well organized liquidity risk management structure as enumerated in ALM Policy which is approved by
the Board. The Asset Liability Management Committee (ALCO) of the Bank monitors & manages liquidity and interest
rate risk in line with the business strategy. ALM activity including liquidity analysis & management is conducted through
coordination between various ALCO support groups residing in the functional areas of Asset Liability Management,
Treasury Front Office, Budget and Planning etc. ALCO directives and ALM actions are implemented by the business
groups and verticals.
¤¸ÿˆÅ ›¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú ˆ½Å ™¸¾£¸›¸ ‚¸¨¸©¡¸ˆÅ œ¸¸°¸ ˆÅ’¸¾¢÷¸¡¸¸Ê ˆÅ¸½ ¢í¬¸¸¤¸ Ÿ¸Ê ¥¸½›¸½ ˆ½Å ¤¸¸™ ` 80,307 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 64956
ˆÅ£¸½”õ) ˆÅ¸ ‚¸¾¬¸÷¸ ‡¸Æ¡¸»‡¥¸‡ ¤¸›¸¸‡ £‰¸¸. ‡¸Æ¡¸»‡¥¸‡ Ÿ¸º‰¡¸ ³Åœ¸ ¬¸½ ¥¸½¨¸¥¸ 1 ‚¸¦¬÷¸¡¸¸Ê ׸£¸ ¬¸¿¸¸¢¥¸÷¸ í¸½÷¸¸ í¾ ‚¸¾£ ƒ¬¸Ÿ¸Ê Ÿ¸º‰¡¸ ³Åœ¸ ¬¸½ ¬¸£ˆÅ¸£ú
œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ‚¸¾£ ’ú-¢¤¸¥¸ ©¸¸¢Ÿ¸¥¸ íÿ ¸¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‡¸Æ¡¸»‡¥¸‡ ˆ½Å 90% ¬¸½ ‚¢š¸ˆÅ ˜¸ú¿. ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ¢›¸¢š¸¡¸¸Ê ˆ½Å ¢¨¸¢¨¸š¸ 踸½÷¸ íÿ ¢¸¬¸Ÿ¸Ê Ÿ¸º‰¡¸
³Åœ¸ ¬¸½ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ ©¸¸¢Ÿ¸¥¸ íÿ, ƒ›¸Ÿ¸Ê ©¸ú«¸Ä 20 ¸Ÿ¸¸ˆÅ÷¸¸Ä‚¸Ê ›¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ˆºÅ¥¸ ¸Ÿ¸¸£¸¢©¸¡¸¸Ê Ÿ¸Ê 10.06% (¢œ¸Ž¥¸½ ¨¸«¸Ä ˆºÅ¥¸ ¸Ÿ¸¸ ˆÅ¸ 8.04 %)
¡¸¸½Š¸™¸›¸ ¢™¡¸¸ í¾.
The Bank during the quarter ended 31st March 2024, maintained average HQLA of ` 80,307 crore (Previous Year ` 64956
crore) after factoring eligible haircuts. HQLA is mainly driven by Level 1 Assets and comprises mainly of Government
securities and T-bills which constitute more than 90% of HQLA as on 31st March 2024. Bank has well diversified source
of funds which mainly comprise of deposits, with top 20 depositors contributing 10.06% of total deposits (Previous Year
8.04 % of total deposit) as on 31st March 2024.

dm{f©H$ [anmoQ>© Annual Report 2023-24 339

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú ˆ½Å ¢¥¸‡ ‚¸¾¬¸÷¸ ‡¥¸¬¸ú‚¸£ ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸Ê ¢›¸š¸¸Ä¢£÷¸ ›¡¸»›¸÷¸Ÿ¸ 100% ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê ‚¢š¸ˆÅ ‚˜¸¸Ä÷¸Ã 119.84% (¢œ¸Ž¥¸½
¨¸«¸Ä 135.66%) ˜¸¸.
The average LCR for the quarter ended March 31, 2024 was at 119.84% (Previous Year 135.66%) above the present
prescribed minimum requirement of 100%.

c) ¢›¸¨¸¥¸ ¦¬˜¸£ ¢›¸š¸ú¡¸›¸ ‚›¸ºœ¸¸÷¸ (‡›¸‡¬¸‡ûöÅ‚¸£) / Net Stable Funding Ratio (NSFR)
(i) ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆÅ¸ ‡›¸‡¬¸‡ûöÅ‚¸£ Ÿ¸¸°¸¸÷Ÿ¸ˆÅ œÏˆÅ’›¸ / NSFR Quantitative disclosure for FY2023-24
(` ˆÅ£¸½”õ) / (` Crore)
‚¨¸¢©¸«’ œ¸¢£œ¸Æ¨¸÷¸¸ ׸£¸ Š¸¾£ ž¸¸¢£÷¸ Ÿ¸»¥¡¸
Unweighted value by residual maturity
¢¨¸¨¸£µ¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸
Particulars Weighted value
ˆÅ¸½ƒÄ œ¸¢£œ¸Æ¨¸÷¸¸ ›¸íú¿ <6 Ÿ¸¸í 6 Ÿ¸¸í ¬¸½ < 1¨¸«¸Ä ≥ 1 ¨¸«¸Ä
No Maturity <6 Months 6 months to < 1yr ≥ 1yr

‡‡¬¸‡ûöÅ Ÿ¸™ / ASF Item

1 œ¸»¿¸úÀ (2+3) / Capital: (2+3) 0 0 0 47,298 47,298

2 ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ œ¸»¿¸ú / Regulatory capital 0 0 0 46,996 46,996

3 ‚›¡¸ œ¸»¿¸ú ¢¥¸‰¸÷¸ / Other capital instruments 0 0 0 302 302

4 ‰¸º™£¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ ÷¸˜¸¸ Ž¸½’½ ¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ ŠÏ¸íˆÅ¸Ê ¬¸½ ¸Ÿ¸¸£¸¢©¸¡¸¸¿À 78,112 22,612 47,520 375 1,34,220
(5+6)
Retail deposits and deposits from small business
customers: (5+6)

5 ¦¬˜¸£ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ / Stable deposits 6,751 811 956 12 8,104

6 ˆÅŸ¸ ¦¬˜¸£ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ / Less stable deposits 71,361 21,801 46,564 363 1,26,116

7 ˜¸¸½ˆÅ ¢›¸š¸ú¡¸›¸À (8+9) / Wholesale funding: (8+9) 40,562 27,357 35,655 1,947 53,734

8 œ¸¢£¸¸¥¸›¸Š¸÷¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ / Operational deposits 0.00 0.00 0.00 0.00 0.00

9 ‚›¡¸ ˜¸¸½ˆÅ ¢›¸š¸ú¡¸›¸ / Other wholesale funding 40,562 27,357 35,655 1,947 53,734

10 ‚›¡¸ ™½¡¸÷¸¸‡¿À (11+12) / Other liabilities: (11+12) 59,320 0 0 2,570 2,570

11 ‡›¸‡¬¸‡ûöÅ‚¸£ ¨¡¸º÷œ¸››¸ ™½¡¸÷¸¸‡¿ / NSFR derivative liabilities 0 0 0

12 ‚›¡¸ ¬¸ž¸ú ™½¡¸÷¸¸‡¿ ‚¸¾£ ƒ¦Æ¨¸’ú ¸¸½ „œ¸£¸½Æ÷¸ ª½¢µ¸¡¸¸Ê Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ 58,879 0 0 2,570 2,570
›¸íú¿ íÿ
All other liabilities and equity not included in the above
categories

13 ˆºÅ¥¸ ‡‡¬¸‡ûöÅ (1+4+7+10) / Total ASF (1+4+7+10) 2,37,822

‚¸£‡¬¸‡ûöÅ Ÿ¸™ / RSF Item

14 ˆºÅ¥¸ ‡›¸‡¬¸‡ûöÅ‚¸£ „¸ Š¸ºµ¸¨¸î¸¸ ¨¸¸¥¸ú ¸¥¸¢›¸¢š¸ ‚¸¦¬÷¸¡¸¸¿ 0.00 95,026 0.00 0.00 4,052
(‡¸Æ¡¸»‡¥¸‡)
Total NSFR high-quality liquid assets (HQLA)

15 œ¸¢£¸¸¥¸›¸ ˆ½Å „Ó½©¡¸ ¬¸½ ‚›¡¸ ¢¨¸î¸ú¡¸ ¬¸¿¬˜¸¸›¸¸Ê Ÿ¸Ê š¸¸¢£÷¸ 418 0 0 0 209
¸Ÿ¸¸£¸¢©¸¡¸¸Â
Deposits held at other financial institutions for
operational purposes

16 ‚¸ÄˆÅ †µ¸ ¨¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿À (17+18+19+21+23) 0 59,550 19,193 1,52,307 1,53,685

Performing loans and securities: (17+18+19+21+23)

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Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
‚¨¸¢©¸«’ œ¸¢£œ¸Æ¨¸÷¸¸ ׸£¸ Š¸¾£ ž¸¸¢£÷¸ Ÿ¸»¥¡¸
Unweighted value by residual maturity
¢¨¸¨¸£µ¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸
Particulars Weighted value
ˆÅ¸½ƒÄ œ¸¢£œ¸Æ¨¸÷¸¸ ›¸íú¿ <6 Ÿ¸¸í 6 Ÿ¸¸í ¬¸½ < 1¨¸«¸Ä ≥ 1 ¨¸«¸Ä
No Maturity <6 Months 6 months to < 1yr ≥ 1yr
17 ¥¸½¨¸¥¸ 1 ‡¸Æ¡¸»‡¥¸‡ ׸£¸ œÏ¢÷¸ž¸»÷¸ ¢¨¸î¸ú¡¸ ¬¸¿¬˜¸¸›¸¸Ê ˆÅ¸½ ‚¸ÄˆÅ 0 2,499 0 0 250
†µ¸
Performing loans to financial institutions secured by
Level 1 HQLA
18 Š¸¾£-¥¸½¨¸¥¸ 1 ‡¸Æ¡¸»‡¥¸‡ ׸£¸ œÏ¢÷¸ž¸»÷¸ ¢¨¸î¸ú¡¸ ¬¸¿¬˜¸¸›¸¸Ê ˆÅ¸½ 0 17,524 1,863 17,236 20,796
‚¸ÄˆÅ †µ¸ ‚¸¾£ ¢¨¸î¸ú¡¸ ¬¸¿¬˜¸¸‚¸Ê ˆÅ¸½ ‚œÏ¢÷¸ž¸»÷¸ ‚¸ÄˆÅ †µ¸
Performing loans to financial institutions secured by
non-Level 1 HQLA and unsecured performing loans to
financial institutions
19 Š¸¾£-¢¨¸î¸ú¡¸ ˆÅ¸Á£œ¸¸½£½’ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ‚¸ÄˆÅ †µ¸, ‰¸º™£¸ ‚¸¾£ 0 23,698 15,023 57,478 67,000
¥¸‹¸º ¨¡¸¨¸¬¸¸¡¸ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ †µ¸, ‚¸¾£ ¬¸¿œÏž¸º, ˆÊÅÍú¡¸ ¤¸ÿˆÅ¸Ê ‚¸¾£
¬¸¸¨¸Ä¸¢›¸ˆÅ ®¸½°¸ „œ¸ÇÅŸ¸¸Ê ˆÅ¸½ †µ¸, ¢¸›¸Ÿ¸Ê ¬¸½À
Performing loans to non- financial corporate clients,
loans to retail and small business customers, and
loans to sovereigns, central banks and PSEs, of which:
20 ǽŢ”’ ¸¸½¢‰¸Ÿ¸ ˆ½Å ¢¥¸‡ ¤¸¸¬¸½¥¸ II Ÿ¸¸›¸ˆÅúˆ¼Å÷¸ ´¦«’ˆÅ¸½µ¸ ˆ½Å ÷¸í÷¸ 0 19,758 14,787 8,137 22,562
35% ¬¸½ ˆÅŸ¸ ¡¸¸ „¬¸ˆ½Å ¤¸£¸¤¸£ ˆ½Å ¸¸½¢‰¸Ÿ¸ ž¸¸£ ˆ½Å ¬¸¸˜¸
With a risk weight of less than or equal to 35% under
the Basel II Standardised Approach for credit risk
21 ‚¸ÄˆÅ ‚¸¨¸¸¬¸ú¡¸ ¤¸¿š¸ˆÅ, ¢¸›¸Ÿ¸Ê À 0 1,198 1,013 60,807 43,408
Performing residential mortgages, of which:
22 ǽŢ”’ ¸¸½¢‰¸Ÿ¸ ˆ½Å ¢¥¸‡ ¤¸¸¬¸½¥¸ II Ÿ¸¸›¸ˆÅúˆ¼Å÷¸ ´¦«’ˆÅ¸½µ¸ ˆ½Å ÷¸í÷¸ 0 1,035 899 46,917 31,462
35% ¬¸½ ˆÅŸ¸ ¡¸¸ „¬¸ˆ½Å ¤¸£¸¤¸£ ˆ½Å ¸¸½¢‰¸Ÿ¸ ž¸¸£ ˆ½Å ¬¸¸˜¸
With a risk weight of less than or equal to 35% under
the Basel II Standardised Approach for credit risk
23 œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ¸¸½ ¸»ˆÅ Ÿ¸Ê ›¸íú¿ íÿ ‚¸¾£ ‡Æ¬¸¸Ê¸-’ï½”½” ƒ¦Æ¨¸’ú ¬¸¢í÷¸ 0 14,631 1,294 16,786 22,231
‡¸Æ¡¸»‡¥¸‡ ˆ½Å ³Åœ¸ Ÿ¸Ê ‚íĈŠ›¸íú¿ íÿ
Securities that are not in default and do not qualify as
HQLA, including exchange-traded equities
24 ‚›¡¸ ‚¸¦¬÷¸¡¸¸¿ À (25 ¬¸½ 29 ˆÅú œ¸¿¢Æ÷¸¡¸¸Ê ˆÅ¸ ¡¸¸½Š¸) 29,650 606 121 6,482 35,956
Other assets: (sum of rows 25 to 29)
25 ¬¨¸µ¸Ä ¬¸¢í÷¸ ž¸¸¾¢÷¸ˆÅ ÇÅ¡¸-¢¨¸ÇÅ¡¸ ¨¸¸¥¸ú ¨¸¬÷¸º‡¿ 0 0 0 0 0
Physical traded commodities, including gold
26 ”½¢£¨¸½¢’¨¸ ¬¸¿¢¨¸™¸‚¸Ê ˆ½Å ¢¥¸‡ œÏ¸£¿¢ž¸ˆÅ Ÿ¸¸¢¸Ä›¸ ˆ½Å ³Åœ¸ Ÿ¸Ê œ¸¸½¬’ ˆÅú 0 0 0 3,279 2,787
Š¸ƒÄ ‚¸¦¬÷¸¡¸¸¿ ‚¸¾£ ¬¸ú¬¸úœ¸ú ˆÅú ¢”ûöŸÁ¥’ ¢›¸¢š¸¡¸¸Ê Ÿ¸Ê ¡¸¸½Š¸™¸›¸
Assets posted as initial margin for derivative contracts
and contributions to default funds of CCPs
27 ‡›¸‡¬¸‡ûöÅ‚¸£ ”½¢£¨¸½¢’¨¸ ‚¸¦¬÷¸¡¸¸¿ 0 411 0 0 0
NSFR derivative assets
28 œ¸¸½¬’ ¢ˆÅ‡ Š¸‡ ¢ž¸››¸÷¸¸ Ÿ¸¸¢¸Ä›¸ ˆÅú ˆÅ’¸¾÷¸ú ¬¸½ œ¸í¥¸½ ‡›¸‡¬¸‡ûÅ‚¸£ 0 22 0 0 22
”½¢£¨¸½¢’¨¸ ™½¡¸÷¸¸‡¿
NSFR derivative liabilities before deduction of variation
margin posted
29 ‚›¡¸ ¬¸ž¸ú ‚¸¢¬÷¸¡¸¸¿ ¸¸½ „œ¸£¸½Æ÷¸ ª½¢µ¸¡¸¸Ê Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ›¸íú¿ íÿ 29,650 173 121 3,203 33,147
All other assets not included in the above categories

dm{f©H$ [anmoQ>© Annual Report 2023-24 341

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
‚¨¸¢©¸«’ œ¸¢£œ¸Æ¨¸÷¸¸ ׸£¸ Š¸¾£ ž¸¸¢£÷¸ Ÿ¸»¥¡¸
Unweighted value by residual maturity
¢¨¸¨¸£µ¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸
Particulars Weighted value
ˆÅ¸½ƒÄ œ¸¢£œ¸Æ¨¸÷¸¸ ›¸íú¿ <6 Ÿ¸¸í 6 Ÿ¸¸í ¬¸½ < 1¨¸«¸Ä ≥ 1 ¨¸«¸Ä
No Maturity <6 Months 6 months to < 1yr ≥ 1yr
30 ÷¸º¥¸›¸-œ¸°¸ ¬¸½ ƒ÷¸£ Ÿ¸™Ê 0 0 0 1,69,480 6,172
Off-balance sheet items
31 ˆºÅ¥¸ ‚¸£‡¬¸‡ûöÅ (14+15+16+24+30) 30,068 1,55,182 19,314 3,28,269 2,00,074
Total RSF (14+15+16+24+30)
32 ¢›¸¨¸¥¸ ¦¬˜¸£ ¢›¸š¸ú¡¸›¸ ‚›¸ºœ¸¸÷¸ (%) 118.87%
Net Stable Funding Ratio (%)

›¸¸½’ À ¸¸¥¸» ¨¸«¸Ä ‚¸¾£ ¢œ¸Ž¥¸½ ¨¸«¸Ä, ™¸½›¸¸Ê ˆ½Å ¢¥¸‡ ‡›¸‡¬¸‡ûöÅ‚¸£ Š¸µ¸›¸¸ ˆ½Å ¢¨¸¢ž¸››¸ ©¸ú«¸¸½ô ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‚¸¦¬÷¸¡¸¸Ê ‚¸¾£ ™½¡¸÷¸¸‚¸Ê ˆÅ¸ ¨¸Š¸úĈţµ¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆÅ¸½ œÏ¬÷¸º÷¸ ¢¨¸¨¸£¢µ¸¡¸¸Ê ˆ½Å ¬¸¿ˆÅ¥¸›¸ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ
׸£¸ „œ¸¡¸¸½Š¸ ¢ˆÅ¡¸½ Š¸¡¸½ ‚›¸ºŸ¸¸›¸¸Ê ‚¸¾£ Ÿ¸¸›¡¸÷¸¸‚¸Ê œ¸£ íú ‚¸š¸¸¢£÷¸ í¾.
Note: Classification of Assets & Liabilities under the different heads of NSFR computation for both current year and previous year is based on same estimates and
assumptions as used by the bank for the compiling the returns submitted to the RBI.

¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆÅ¸ ‡›¸‡¬¸‡ûöÅ‚¸£ Š¸ºµ¸¸÷Ÿ¸ˆÅ œÏˆÅ’›¸À / NSFR Quantitative disclosure for FY2022-23
(` ˆÅ£¸½”õ) / (` Crore)
‚¨¸¢©¸«’ œ¸¢£œ¸Æ¨¸÷¸¸ ׸£¸ Š¸¾£ ž¸¸¢£÷¸ Ÿ¸»¥¡¸
Unweighted value by residual maturity
¢¨¸¨¸£µ¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸
Particulars ˆÅ¸½ƒÄ œ¸¢£œ¸Æ¨¸÷¸¸ <6 Ÿ¸¸í 6 Ÿ¸¸í ¬¸½ < 1¨¸«¸Ä ≥ 1 ¨¸«¸Ä Weighted value
›¸íú¿ <6 Months 6 months to ≥ 1yr
No Maturity < 1yr

‡‡¬¸‡ûöÅ Ÿ¸™ / ASF Item

1 œ¸»¿¸úÀ (2+3) / Capital: (2+3) 0 0 0 43,815 43,815

2 ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ œ¸»¿¸ú / Regulatory capital 0 0 0 43,513 43,513

3 ‚›¡¸ œ¸»¿¸ú ¢¥¸‰¸÷¸ / Other capital instruments 0 0 0 302 302

4 ‰¸º™£¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ ÷¸˜¸¸ Ž¸½’½ ¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ ŠÏ¸íˆÅ¸Ê ¬¸½ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ 77,739 18,839 16,515 28,859 1,31,061
(5+6)
Retail deposits and deposits from small business
customers: (5+6)
5 ¦¬˜¸£ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ / Stable deposits 7,079 734 550 870 8,815

6 ˆÅŸ¸ ¦¬˜¸£ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ / Less stable deposits 70,660 18,105 15,965 27,989 1,22,246

7 ˜¸¸½ˆÅ ¢›¸š¸ú¡¸›¸À (8+9) / Wholesale funding: (8+9) 35,175 18,666 15,547 11,893 46,587

8 œ¸¢£¸¸¥¸›¸Š¸÷¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ / Operational deposits 0 0 0 0 0

9 ‚›¡¸ ˜¸¸½ˆÅ ¢›¸š¸ú¡¸›¸ / Other wholesale funding 35,175 18,666 15,547 11,893 46,587

10 ‚›¡¸ ™½¡¸÷¸¸‡¿À (11+12) / Other liabilities: (11+12) 55,000 0 0 8,554 8,554

11 ‡›¸‡¬¸‡ûöÅ‚¸£ ¨¡¸º÷œ¸››¸ ™½¡¸÷¸¸‡¿ / NSFR derivative liabilities 0 0 0.00

12 ‚›¡¸ ¬¸ž¸ú ™½¡¸÷¸¸‡¿ ‚¸¾£ ƒ¦Æ¨¸’ú ¸¸½ „œ¸£¸½Æ÷¸ ª½¢µ¸¡¸¸Ê Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ 54,570 0 0 8,554 8,554
›¸íú¿ íÿ
All other liabilities and equity not included in the above
categories

13 ˆºÅ¥¸ ‡‡¬¸‡ûöÅ (1+4+7+10) / Total ASF (1+4+7+10) 2,30,017

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Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
‚¨¸¢©¸«’ œ¸¢£œ¸Æ¨¸÷¸¸ ׸£¸ Š¸¾£ ž¸¸¢£÷¸ Ÿ¸»¥¡¸
Unweighted value by residual maturity
¢¨¸¨¸£µ¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸
Particulars ˆÅ¸½ƒÄ œ¸¢£œ¸Æ¨¸÷¸¸ <6 Ÿ¸¸í 6 Ÿ¸¸í ¬¸½ < 1¨¸«¸Ä ≥ 1 ¨¸«¸Ä Weighted value
›¸íú¿ <6 Months 6 months to ≥ 1yr
No Maturity < 1yr

‚¸£‡¬¸‡ûöÅ Ÿ¸™ / RSF Item

14 ˆºÅ¥¸ ‡›¸‡¬¸‡ûöÅ‚¸£ „¸ Š¸ºµ¸¨¸î¸¸ ¨¸¸¥¸ú ¸¥¸¢›¸¢š¸ ‚¸¦¬÷¸¡¸¸¿ 3,634
(‡¸Æ¡¸»‡¥¸‡)
Total NSFR high-quality liquid assets (HQLA)

15 œ¸¢£¸¸¥¸›¸ ˆ½Å „Ó½©¡¸ ¬¸½ ‚›¡¸ ¢¨¸î¸ú¡¸ ¬¸¿¬˜¸¸›¸¸Ê Ÿ¸Ê š¸¸¢£÷¸ ¸Ÿ¸¸£¸¢©¸¡¸¸Â 382 0 0 0 191
Deposits held at other financial institutions for operational
purposes

16 ‚¸ÄˆÅ †µ¸ ¨¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿À (17+18+19+21+23) 0 37,405 13,340 1,42,815 1,33,291

Performing loans and securities: (17+18+19+21+23)

17 ¥¸½¨¸¥¸ 1 ‡¸Æ¡¸»‡¥¸‡ ׸£¸ œÏ¢÷¸ž¸»÷¸ ¢¨¸î¸ú¡¸ ¬¸¿¬˜¸¸›¸¸Ê ˆÅ¸½ ‚¸ÄˆÅ †µ¸ 0 0 0 0 0

Performing loans to financial institutions secured by
Level 1 HQLA

18 Š¸¾£-¥¸½¨¸¥¸ 1 ‡¸Æ¡¸»‡¥¸‡ ׸£¸ œÏ¢÷¸ž¸»÷¸ ¢¨¸î¸ú¡¸ ¬¸¿¬˜¸¸›¸¸Ê ˆÅ¸½ ‚¸ÄˆÅ 0 13,128 1,650 11,078 13,872
†µ¸ ‚¸¾£ ¢¨¸î¸ú¡¸ ¬¸¿¬˜¸¸‚¸Ê ˆÅ¸½ ‚œÏ¢÷¸ž¸»÷¸ ‚¸ÄˆÅ †µ¸
Performing loans to financial institutions secured by
non-Level 1 HQLA and unsecured performing loans to
financial institutions

19 Š¸¾£-¢¨¸î¸ú¡¸ ˆÅ¸Á£œ¸¸½£½’ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ‚¸ÄˆÅ †µ¸, ‰¸º™£¸ ‚¸¾£ ¥¸‹¸º 0 17,676 9,725 59,594 62,540
¨¡¸¨¸¬¸¸¡¸ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ †µ¸, ‚¸¾£ ¬¸¿œÏž¸º, ˆÊÅÍú¡¸ ¤¸ÿˆÅ¸Ê ‚¸¾£ ¬¸¸¨¸Ä¸¢›¸ˆÅ
®¸½°¸ ˆ½Å „œ¸ÇÅŸ¸¸Ê ˆÅ¸½ †µ¸, ¢¸›¸Ÿ¸Ê ¬¸½À
Performing loans to non- financial corporate clients,
loans to retail and small business customers, and loans
to sovereigns, central banks and PSEs, of which:

20 ǽŢ”’ ¸¸½¢‰¸Ÿ¸ ˆ½Å ¢¥¸‡ ¤¸¸¬¸½¥¸ II Ÿ¸¸›¸ˆÅúˆ¼Å÷¸ ´¦«’ˆÅ¸½µ¸ ˆ½Å ÷¸í÷¸ 0 15,788 9,530 11,678 20,250
35% ¬¸½ ˆÅŸ¸ ¡¸¸ „¬¸ˆ½Å ¤¸£¸¤¸£ ˆ½Å ¸¸½¢‰¸Ÿ¸ ž¸¸£ ˆ½Å ¬¸¸˜¸
With a risk weight of less than or equal to 35% under the
Basel II Standardised Approach for credit risk

21 ‚¸ÄˆÅ ‚¸¨¸¸¬¸ú¡¸ ¤¸¿š¸ˆÅ, ¢¸›¸Ÿ¸ÊÀ 0 1,044 894 55,058 39,043

Performing residential mortgages, of which:

22 ǽŢ”’ ¸¸½¢‰¸Ÿ¸ ˆ½Å ¢¥¸‡ ¤¸¸¬¸½¥¸ II Ÿ¸¸›¸ˆÅúˆ¼Å÷¸ ´¦«’ˆÅ¸½µ¸ ˆ½Å ÷¸í÷¸ 0 950 806 43,626 29,235
35% ¬¸½ ˆÅŸ¸ ¡¸¸ „¬¸ˆ½Å ¤¸£¸¤¸£ ˆ½Å ¸¸½¢‰¸Ÿ¸ ž¸¸£ ˆ½Å ¬¸¸˜¸
With a risk weight of less than or equal to 35% under the
Basel II Standardised Approach for credit risk

23 œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ¸¸½ ¸»ˆÅ Ÿ¸Ê ›¸íú¿ íÿ ‚¸¾£ ‡Æ¬¸¸Ê¸-’ï½”½” ƒ¦Æ¨¸’ú ¬¸¢í÷¸ 0 5,557 1,071 17,085 17,836
‡¸Æ¡¸»‡¥¸‡ ˆ½Å ³Åœ¸ Ÿ¸Ê ‚í÷¸¸Ä ›¸íú¿ íÿ
Securities that are not in default and do not qualify as
HQLA, including exchange-traded equities
24 ‚›¡¸ ‚¸¦¬÷¸¡¸¸¿ À (25 ¬¸½ 29 ˆÅú œ¸¿¢Æ÷¸¡¸¸Ê ˆÅ¸ ¡¸¸½Š¸) 43,277 628 73 5,886 49,071
Other assets: (sum of rows 25 to 29)
25 ¬¨¸µ¸Ä ¬¸¢í÷¸ ž¸¸¾¢÷¸ˆÅ ÇÅ¡¸-¢¨¸ÇÅ¡¸ ¨¸¸¥¸ú ¨¸¬÷¸º‡¿ 0 0 0 0 0
Physical traded commodities, including gold

dm{f©H$ [anmoQ>© Annual Report 2023-24 343

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
‚¨¸¢©¸«’ œ¸¢£œ¸Æ¨¸÷¸¸ ׸£¸ Š¸¾£ ž¸¸¢£÷¸ Ÿ¸»¥¡¸
Unweighted value by residual maturity
¢¨¸¨¸£µ¸ ž¸¸¢£÷¸ Ÿ¸»¥¡¸
Particulars ˆÅ¸½ƒÄ œ¸¢£œ¸Æ¨¸÷¸¸ <6 Ÿ¸¸í 6 Ÿ¸¸í ¬¸½ < 1¨¸«¸Ä ≥ 1 ¨¸«¸Ä Weighted value
›¸íú¿ <6 Months 6 months to ≥ 1yr
No Maturity < 1yr

26 ”½¢£¨¸½¢’¨¸ ¬¸¿¢¨¸™¸‚¸Ê ˆ½Å ¢¥¸‡ œÏ¸£¿¢ž¸ˆÅ Ÿ¸¸¢¸Ä›¸ ˆ½Å ³Åœ¸ Ÿ¸Ê œ¸¸½¬’ ˆÅú Š¸ƒÄ 0 0 0 2,419 2,056
‚¸¦¬÷¸¡¸¸¿ ‚¸¾£ ¬¸ú¬¸úœ¸ú ˆÅú ¢”ûöŸÁ¥’ ¢›¸¢š¸¡¸¸Ê Ÿ¸Ê ¡¸¸½Š¸™¸›¸
Assets posted as initial margin for derivative contracts
and contributions to default funds of CCPs

27 ‡›¸‡¬¸‡ûöÅ‚¸£ ”½¢£¨¸½¢’¨¸ ‚¸¦¬÷¸¡¸¸¿ 0 576 0 0 147

NSFR derivative assets

28 œ¸¸½¬’ ¢ˆÅ‡ Š¸‡ ¢ž¸››¸÷¸¸ Ÿ¸¸¢¸Ä›¸ ˆÅú ˆÅ’¸¾÷¸ú ¬¸½ œ¸í¥¸½ ‡›¸‡¬¸‡ûÅ‚¸£ 0 21 0 0 21
”½¢£¨¸½¢’¨¸ ™½¡¸÷¸¸‡¿
NSFR derivative liabilities before deduction of variation
margin posted

29 ‚›¡¸ ¬¸ž¸ú ‚¸¢¬÷¸¡¸¸¿ ¸¸½ „œ¸£¸½Æ÷¸ ª½¢µ¸¡¸¸Ê Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ›¸íú¿ íÿ 43,277 30 73 3,467 46,847
All other assets not included in the above categories

30 ÷¸º¥¸›¸-œ¸°¸ ¬¸½ ƒ÷¸£ Ÿ¸™Ê 0 0 0 1,49,175 5,477

Off-balance sheet items

31 ˆºÅ¥¸ ‚¸£‡¬¸‡ûöÅ (14+15+16+24+30) 43,659 1,24,999 13,413 2,97,876 1,91,664

Total RSF (14+15+16+24+30)

32 ¢›¸¨¸¥¸ ¦¬˜¸£ ¢›¸š¸ú¡¸›¸ ‚›¸ºœ¸¸÷¸ (%) 120.01%

Net Stable Funding Ratio (%)

(ii) ¢›¸¨¸¥¸ ¦¬˜¸£ ¢›¸š¸ú¡¸›¸ ‚›¸ºœ¸¸÷¸ (‡›¸‡¬¸‡ûöÅ‚¸£) ˆ½Å ‚¸¬¸-œ¸¸¬¸ Š¸ºµ¸¸÷Ÿ¸ˆÅ œÏˆÅ’›¸ À
Qualitative disclosure around Net Stable Funding Ratio (NSFR)

¨¸«¸Ä 2007 Ÿ¸Ê ©¸º³ íº‡ ¨¸¾¢æ¸ˆÅ ¢¨¸î¸ú¡¸ ¬¸¿ˆÅ’ ˆÅú œ¸¼«“ž¸»¢Ÿ¸ Ÿ¸Ê ¤¸ÿ¢ˆ¿ÅŠ¸ œ¸¡¸Ä¨¸½®¸µ¸ œ¸£ ¤¸¸¬¸½¥¸ ¬¸¢Ÿ¸¢÷¸ (¤¸ú¬¸ú¤¸ú‡¬¸) ›¸½ ¤¸ÿ¢ˆ¿ÅŠ¸ ®¸½°¸ ˆÅ¸½ ‚¸¾£ ‚¢š¸ˆÅ
¬¸º´õ ¤¸›¸¸›¸½ ˆ½Å „Ó½©¡¸ ¬¸½ ¨¸¾¢æ¸ˆÅ œ¸»¿¸ú ‚¸¾£ ¸¥¸¢›¸¢š¸ ¢¨¸¢›¸¡¸Ÿ¸›¸ ˆÅ¸½ Ÿ¸¸¤¸»÷¸ú œÏ™¸›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¬¸ºš¸¸£ ˆ½Å ˆºÅŽ œÏ¬÷¸¸¨¸ £‰¸½ ˜¸½. ƒ¬¸ ¢™©¸¸ Ÿ¸Ê
¤¸ÿ¢ˆ¿ÅŠ¸ œ¸¡¸Ä¨¸½®¸µ¸ œ¸£ ¤¸¸¬¸½¥¸ ¬¸¢Ÿ¸¢÷¸ ›¸½ ‚Æ÷¸»¤¸£ 2014 Ÿ¸Ê `¤¸¸¬¸½¥¸ III À ¢›¸¨¸¥¸ ¦¬˜¸£ ¢›¸š¸ú¡¸›¸ ‚›¸ºœ¸¸÷¸ ‚¸¾£ 01 ¸›¸¨¸£ú 2018 ¬¸½ ¥¸¸Š¸» í¸½›¸½
¨¸¸¥¸½ ‡›¸‡¬¸‡ûöÅ‚¸£ Ÿ¸¸›¸ˆÅ œ¸£ ¢™©¸¸¢›¸™½Ä©¸ œÏˆÅ¸¢©¸÷¸ ¢ˆÅ‡ ˜¸½. ÷¸™Ã›¸º¬¸¸£, ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ›¸½ ¢™›¸¸¿ˆÅ 17 Ÿ¸ƒÄ 2018 ˆ½Å ‚œ¸›¸½ œ¸¢£œ¸°¸ ˆ½Å
׸£¸ ¢›¸¨¸¥¸ ¦¬˜¸£ ¢›¸š¸ú¡¸›¸ ‚›¸ºœ¸¸÷¸ (‡›¸‡¬¸‡ûöÅ‚¸£) œ¸£ ‚¿¢÷¸Ÿ¸ ¢™©¸¢›¸™½Ä©¸ ¸¸£ú ¢ˆÅ‡ ˜¸½.
In the backdrop of the global financial crisis that started in 2007, the Basel Committee on Banking Supervision
(BCBS) proposed certain reforms to strengthen global capital and liquidity regulations with the objective of
promoting a more resilient banking sector. In this direction BCBS published guidelines on ‘Basel III: The Net Stable
Funding Ratio’ in October 2014 and the NSFR standard to be effective from January 01, 2018. Accordingly,
Reserve Bank of India, vide its circular dated May 17, 2018, issued final guidelines on Net Stable Funding Ratio
(NSFR).

‡›¸‡¬¸‡ûÅ‚¸£ ¤¸ÿˆÅ¸Ê ˆÅ¸½ ‚œ¸›¸ú Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê ˆÅ¸½ ¢›¸£¿÷¸£ ‚¸š¸¸£ œ¸£ ¢¨¸î¸œ¸¸½«¸µ¸ ˆ½Å ‚¢š¸ˆÅ ¦¬˜¸£ 踸½÷¸¸Ê ˆ½Å ¬¸¸˜¸ ¢¨¸î¸ œ¸¸½¢«¸÷¸ ˆÅ£›¸½ ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸
ˆ½Å ׸£¸ ¥¸¿¤¸ú ‚¨¸¢š¸ ˆ½Å ¢®¸¢÷¸¸ œ¸£ ¥¸¸ú¥¸¸œ¸›¸ ˆÅ¸½ ¤¸õ¸¨¸¸ ™½÷¸¸ í¾. ‡ˆÅ ¬˜¸¸¡¸ú ¢¨¸î¸œ¸¸½«¸µ¸ ¬¸¿£¸›¸¸ ˆÅ¸ „Ó½©¡¸ ¤¸ÿˆÅ ˆ½Å ¢›¸¡¸¢Ÿ¸÷¸ ¢¨¸î¸œ¸¸½«¸µ¸ ˆ½Å 踸½÷¸¸Ê
Ÿ¸Ê ¨¡¸¨¸š¸¸›¸ ˆ½Å ˆÅ¸£µ¸ ¤¸ÿˆÅ ˆÅú ÷¸£¥¸÷¸¸ ˆÅú ¦¬˜¸¢÷¸ ˆ½Å ®¸£µ¸ ˆÅú ¬¸¿ž¸¸¨¸›¸¸ ˆÅ¸½ ˆÅŸ¸ ˆÅ£›¸¸ í¾ ¢¸¬¸¬¸½ ƒ¬¸ˆÅú ¢¨¸ûÅ¥¸÷¸¸ ˆÅ¸ ¸¸½¢‰¸Ÿ¸ ¤¸õ ¸¸‡Š¸¸ ‚¸¾£
¬¸¿ž¸¸¢¨¸÷¸ ³Åœ¸ ¬¸½ ¨¡¸¸œ¸ˆÅ œÏµ¸¸¥¸úŠ¸÷¸ ™¤¸¸¨¸ í¸½ ¬¸ˆÅ÷¸¸ í¾. ‡›¸‡¬¸‡ûÅ‚¸£ ‚¥œ¸ˆÅ¸¢¥¸ˆÅ ˜¸¸½ˆÅ ¢¨¸î¸ œ¸¸½«¸µ¸ œ¸£ ‚¢š¸ˆÅ ¢›¸ž¸Ä£÷¸¸ ˆÅ¸½ ¬¸ú¢Ÿ¸÷¸ ˆÅ£÷¸¸
í¾, ¬¸ž¸ú ‚¸Á›¸- ‚¸¾£ ‚¸ÁûÅ-¤¸¾¥¸Ê¬¸ ©¸ú’ Ÿ¸™¸Ê Ÿ¸Ê û¿Å¢”¿Š¸ ¸¸½¢‰¸Ÿ¸ ˆ½Å ¤¸½í÷¸£ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ¸½ œÏ¸½÷¬¸¸¢í÷¸ ˆÅ£÷¸¸ í¾ ‚¸¾£ ¢›¸š¸ú¡¸›¸ ¦¬˜¸£÷¸¸ ˆÅ¸½ ¤¸õ¸¨¸¸
™½÷¸¸ í¾.
The NSFR promotes resilience over a longer-term time horizon by requiring banks to fund their activities with
more stable sources of funding on an ongoing basis. A sustainable funding structure is intended to reduce the
probability of erosion of a bank’s liquidity position due to disruptions in a bank’s regular sources of funding that
would increase the risk of its failure and potentially lead to broader systemic stress. The NSFR limits overreliance
on short-term wholesale funding, encourages better assessment of funding risk across all on- and off- balance
sheet items, and promotes funding stability

344 Friendship That

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Corporate Overview Statutory Reports Financial Statements

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Schedules to the Financial Statements
‡›¸‡¬¸‡ûÅ‚¸£ ˆÅú œ¸¢£ž¸¸«¸¸À / Definition of NSFR:
„œ¸¥¸¤š¸ ¢¬˜¸£ ¢›¸š¸ú¡¸›¸ (‡‡¬¸‡ûÅ) / Available Stable Funding (ASF)
‡›¸‡¬¸‡ûÅ‚¸£ / NSFR = > = 100%

‚¸¨¸©¡¸ˆÅ ¢¬˜¸£ ¢›¸š¸ú¡¸›¸ (‚¸£‡¬¸‡ûÅ) / Required Stable Funding (RSF)

„œ¸¡¸ºÄÆ÷¸ ‚›¸ºœ¸¸÷¸ ¢›¸£¿÷¸£ ‚¸š¸¸£ œ¸£ ˆÅŸ¸ ¬¸½ ˆÅŸ¸ 100% ˆ½Å ¤¸£¸¤¸£ í¸½›¸¸ ¸¸¢í‡ ‚¸¾£ ‡›¸‡¬¸‡ûÅ‚¸£ ‚›¸ºœ¸¸÷¸ ¤¸ÿˆÅ¸Ê œ¸£ 1 ‚Æ÷¸»¤¸£ 2021 ¬¸½
‚¸¤¸ÖˆÅ¸£ú í¾.
The above ratio should be equal to at least 100% on an ongoing basis and the NSFR ratio is binding on banks
w. e. f October 1, 2021.

„œ¸¥¸¤š¸ ¦¬˜¸£ ¢›¸š¸ú¡¸›¸ (‡‡¬¸‡ûöÅ) / Available Stable Funding (ASF)

‡‡¬¸‡ûÅ ˆÅú £¸¢©¸ ˆÅ¸½ ¢ˆÅ¬¸ú ¬¸¿¬˜¸¸›¸ ˆ½Å û¿Å¢”¿Š¸ 踸½÷¸¸Ê ˆÅú ¬¸¸œ¸½®¸ ¦¬˜¸£÷¸¸ ˆÅú ¨¡¸¸œ¸ˆÅ ¢¨¸©¸½«¸÷¸¸‚¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ Ÿ¸¸œ¸¸ ¸¸÷¸¸ í¾, ¢¸¬¸Ÿ¸Ê ƒ¬¸ˆÅú
™½¡¸÷¸¸‚¸½¿ ˆÅú ¬¸¿¢¨¸™¸÷Ÿ¸ˆÅ œ¸¢£œ¸Æ¨¸÷¸¸ ‚¸¾£ ¢¨¸¢ž¸››¸ œÏˆÅ¸£ ˆ½Å û¿Å¢”¿Š¸ œÏ™¸÷¸¸‚¸Ê ˆÅú ‚œ¸›¸ú û¿Å¢”¿Š¸ ¨¸¸œ¸¬¸ ¥¸½›¸½ ˆÅú œÏ¨¸¼¢î¸ Ÿ¸Ê ‚¿÷¸£ ©¸¸¢Ÿ¸¥¸ í¾.
‡‡¬¸‡ûÅ ˆÅú £¸¢©¸ ˆÅú Š¸µ¸›¸¸ œ¸í¥¸½ ¢ˆÅ¬¸ú ¬¸¿¬˜¸¸›¸ ˆÅú œ¸»¿¸ú ‚¸¾£ ™½¡¸÷¸¸‚¸½¿ ˆ½Å ¨¸í›¸ Ÿ¸»¥¡¸ ˆÅ¸½ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å œ¸¢£œ¸°¸ Ÿ¸Ê „¦¥¥¸¢‰¸÷¸ œ¸¸¿¸ ª½¢µ¸¡¸¸Ê Ÿ¸Ê
¬¸½ ‡ˆÅ ˆÅ¸½ ¢›¸¢™Ä«’ ˆÅ£ˆ½Å ˆÅú ¸¸÷¸ú í¾. ¢ûÅ£ œÏ÷¡¸½ˆÅ ª½µ¸ú ˆÅ¸½ ™ú Š¸ƒÄ £¸¢©¸ ˆÅ¸½ ‡‡¬¸‡ûöÅ ûö¾ÅÆ’£ ¬¸½ Š¸ºµ¸¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ˆºÅ¥¸ ‡‡¬¸‡ûöÅ ž¸¸¢£÷¸
£¸¢©¸¡¸¸Ê ˆÅ¸ ¡¸¸½Š¸ í¸½›¸¸ í¾. ¨¸í›¸ Ÿ¸»¥¡¸ „¬¸ £¸¢©¸ ˆÅ¸ œÏ¢÷¸¢›¸¢š¸÷¨¸ ˆÅ£÷¸¸ í¾ ¢¸¬¸ œ¸£ ¢ˆÅ¬¸ú ž¸ú ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ˆÅ’¸¾÷¸ú, ¢ûöÅ¥’£ ¡¸¸ ‚›¡¸ ¬¸Ÿ¸¸¡¸¸½¸›¸
ˆÅ¸½ ¥¸¸Š¸» ˆÅ£›¸½ ¬¸½ œ¸í¥¸½ ™½¡¸÷¸¸ ¡¸¸ ƒ¦Æ¨¸’ú ¢¥¸‰¸÷¸ ™¸Ä ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
The amount of ASF is measured, based on the broad characteristics of the relative stability of an institution’s
funding sources, including the contractual maturity of its liabilities and the differences in the propensity of different
types of funding providers to withdraw their funding. The amount of ASF is calculated by first assigning the
carrying value of an institution’s capital and liabilities to one of five categories as mentioned in RBI circular. The
amount assigned to each category is then multiplied by an ASF factor, and the total ASF is the sum of the
weighted amounts. Carrying value represents the amount at which a liability or equity instrument is recorded
before the application of any regulatory deductions, filters or other adjustments

‚¸¨¸©¡¸ˆÅ ¦¬˜¸£ ¢›¸š¸ú¡¸›¸ (‚¸£‡¬¸‡ûöÅ) / Required Stable Funding (RSF)

‚¸¨¸©¡¸ˆÅ ¦¬˜¸£ ¢›¸š¸ú¡¸›¸ ˆÅú £¸¢©¸ ˆÅ¸½ ¢ˆÅ¬¸ú ¬¸¿¬˜¸¸›¸ ˆÅú ‚¸¦¬÷¸¡¸¸Ê ‚¸¾£ ‚¸½¤¸ú‡¬¸ ‡Æ¬¸œ¸¸½¸£ ˆÅú ÷¸£¥¸÷¸¸ ¸¸½¢‰¸Ÿ¸ œÏ¸½ûŸƒ¥¸ ˆÅú ¨¡¸¸œ¸ˆÅ
¢¨¸©¸½«¸÷¸¸‚¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ Ÿ¸¸œ¸¸ ¸¸÷¸¸ í¾. ‚¸¨¸©¡¸ˆÅ ¦¬˜¸£ ¢›¸¢š¸ˆÅ£µ¸ ˆÅú £¸¢©¸ ˆÅú Š¸µ¸›¸¸ œ¸í¥¸½ ¢ˆÅ¬¸ú ¬¸¿¬˜¸¸ ˆÅú ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ ¨¸í›¸ Ÿ¸»¥¡¸
ˆÅ¸½ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å œ¸¢£œ¸°¸ Ÿ¸Ê ¬¸»¸ú¤¸Ö ª½¢µ¸¡¸¸Ê ˆÅ¸½ ¢›¸¢™Ä«’ ˆÅ£ ˆ½Å ˆÅú ¸¸÷¸ú í¾. œÏ÷¡¸½ˆÅ ª½µ¸ú ˆÅ¸½ ™ú Š¸ƒÄ £¸¢©¸ ˆÅ¸½ „¬¸ˆ½Å ¬¸¿¤¸Ö ‚¸¨¸©¡¸ˆÅ ¦¬˜¸£
¢›¸š¸ú¡¸›¸ (‚¸£‡¬¸‡ûÅ) ˆÅ¸£ˆÅ ¬¸½ Š¸ºµ¸¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾, ‚¸¾£ ˆºÅ¥¸ ‚¸£‡¬¸‡ûÅ ‚¸½¤¸ú‡¬¸ Š¸¢÷¸¢¨¸¢š¸ (¡¸¸ ¬¸¿ž¸¸¢¨¸÷¸ ÷¸£¥¸÷¸¸ ‡Æ¬¸œ¸¸½¸£) ˆÅú Ÿ¸¸°¸¸
Ÿ¸Ê ¸¸½”õ½ Š¸‡ ž¸¸¢£÷¸ £¸¢©¸ ˆÅ¸ ¡¸¸½Š¸ í¸½÷¸¸ í¾, ¸¸½ ƒ¬¸ˆ½Å ¬¸¿¤¸¿¢š¸÷¸ ‚¸£‡¬¸‡ûÅ ˆÅ¸£ˆÅ ¬¸½ Š¸ºµ¸¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
The amount of required stable funding is measured based on the broad characteristics of the liquidity risk profile of
an institution’s assets and OBS exposures. The amount of required stable funding is calculated by first assigning
the carrying value of an institution’s assets to the categories listed in RBI circular. The amount assigned to each
category is then multiplied by its associated required stable funding (RSF) factor, and the total RSF is the sum
of the weighted amounts added to the amount of OBS activity (or potential liquidity exposure) multiplied by its
associated RSF factor.

¸¥¸¢›¸¢š¸ œÏ¤¸¿š¸›¸ / Liquidity Management

¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ¤¸¸½”Ä ×¸£¸ ‚›¸ºŸ¸¸½¢™÷¸ ‡ˆÅ ¬¸º¬¸¿Š¸¢“÷¸ ¸¥¸¢›¸¢š¸ ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ¬¸¿£¸›¸¸ í¾ ¸¸½ ‡‡¥¸‡Ÿ¸ ›¸ú¢÷¸ Ÿ¸Ê ¨¸¢µ¸Ä÷¸ í¾. ¤¸ÿˆÅ ˆÅú ‚¸¦¬÷¸ ™½¡¸÷¸¸
œÏ¤¸¿š¸›¸ ¬¸¢Ÿ¸¢÷¸ (‡¥ˆÅ¸½) ˆÅ¸£¸½¤¸¸£ú £µ¸›¸ú¢÷¸ ˆ½Å ‚›¸º³Åœ¸ ¸¥¸¢›¸¢š¸ ‚¸¾£ ¤¡¸¸¸ ™£ ¸¸½¢‰¸Ÿ¸¸Ê ˆÅú ¢›¸Š¸£¸›¸ú ‡¨¸¿ œÏ¤¸¿š¸›¸ ˆÅ£÷¸ú í¾. ¸¥¸¢›¸¢š¸ ¢¨¸©¥¸½«¸µ¸
‡¨¸¿ œÏ¤¸¿š¸›¸ ¬¸¢í÷¸ ‡‡¥¸‡Ÿ¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸ ˆÅ¸ ¬¸¿¸¸¥¸›¸ ‚¸¦¬÷¸ ™½¡¸÷¸¸ œÏ¤¸¿š¸›¸, ’ｏ¸£ú ü¿Å’ ‚¸Á¢ûŬ¸, ¤¸¸’ ‡¨¸¿ ¡¸¸½¸›¸¸ ‚¸¢™ ˆ½Å ˆÅ¸¡¸¸Ä÷Ÿ¸ˆÅ ®¸½°¸¸Ê Ÿ¸Ê
ˆÅ¸¡¸Ä£÷¸ ¢¨¸¢ž¸››¸ ‡¥ˆÅ¸½ ¬¸í¸¡¸÷¸¸ ¬¸Ÿ¸»í¸Ê ˆ½Å ¤¸ú¸ ¬¸Ÿ¸›¨¸¡¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ˆÅ¸£¸½¤¸¸£ú ¬¸Ÿ¸»í¸Ê ‡¨¸¿ ¨¸¢’Ĉť¸¸Ê ׸£¸ ‡¥ˆÅ¸½ ¢™©¸¸-¢›¸™½Ä©¸¸Ê
÷¸˜¸¸ ‡‡¥¸‡Ÿ¸ ˆÅ¸£Ä¨¸¸ƒ¡¸¸Ê ˆÅ¸ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
The Bank has well organized liquidity risk management structure as enumerated in ALM Policy which is approved
by the Board. The Asset Liability Management Committee (ALCO) of the Bank monitors & manages liquidity
and interest rate risk in line with the business strategy. ALM activity including liquidity analysis & management is
conducted through coordination between various ALCO support groups residing in the functional areas of Asset
Liability Management, Treasury Front Office, Budget and Planning etc. ALCO directives and ALM actions are
implemented by the business groups and verticals.

¤¸ÿˆÅ ›¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ `2,37,822 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä - ` 2,30,017 ˆÅ£¸½”õ) ˆ½Å „œ¸¥¸¤š¸ ¦¬˜¸£ ¢›¸š¸ú¡¸›¸ (‡‡¬¸‡ûÅ) ‚¸¾£ ` 2,00,074
ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä - ` 1,91,664 ˆÅ£¸½”õ ) ˆ½Å ‚¸¨¸©¡¸ˆÅ ¦¬˜¸£ ¢›¸š¸ú¡¸›¸ (‚¸£‡¬¸‡ûÅ) ˆÅ¸½ ¤¸›¸¸‡ £‰¸¸. „œ¸¥¸¤š¸ ¦¬˜¸£ ¢›¸š¸ú¡¸›¸ (‡‡¬¸‡ûÅ)

dm{f©H$ [anmoQ>© Annual Report 2023-24 345

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
Ÿ¸º‰¡¸ ³Åœ¸ ¬¸½ ˆºÅ¥¸ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ œ¸»¿¸ú ‚¸¾£ ‰¸º™£¸ ŠÏ¸íˆÅ¸Ê, Ž¸½’½ ˆÅ¸£¸½¤¸¸£ ŠÏ¸íˆÅ, Š¸¾£-¢¨¸î¸ú¡¸ ˆÅ¸Áœ¸¸½Ä£½’ ŠÏ¸íˆÅ ‚¸¾£ ¬¸¸¨¸Ä¸¢›¸ˆÅ „œ¸ÇÅŸ¸ ¬¸½ ‡ˆÅ
¨¸«¸Ä ¬¸½ ‚¢š¸ˆÅ œ¸¢£œ¸Æ¨¸÷¸¸ ˆ½Å ¬¸¸˜¸ ˆÅú Š¸ƒÄ ¸Ÿ¸¸£¸¢©¸¡¸¸Ê ׸£¸ ¬¸¿¸¸¢¥¸÷¸ í¸½÷¸ú í¾. ‚¸¨¸©¡¸ˆÅ ¦¬˜¸£ ¢›¸š¸ú¡¸›¸ (‚¸£‡¬¸‡ûÅ) Ÿ¸º‰¡¸ ³Åœ¸ ¬¸½ ‡ˆÅ
¨¸«¸Ä ¬¸½ ‚¢š¸ˆÅ ˆÅú œ¸¢£œ¸Æ¨¸÷¸¸ ¨¸¸¥¸ú ž¸¸£-£¢í÷¸ ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ‚¸¾£ ‚¸¦¬÷¸¡¸¸Ê ׸£¸ ¬¸¿¸¸¢¥¸÷¸ í¸½÷¸ú í¾. ˆÅ’¸¾÷¸ú ˆ½Å ¤¸¸™ ‡¸Æ¡¸»‡¥¸‡
(„¸ Š¸ºµ¸¨¸î¸¸ ¨¸¸¥¸ú ¸¥¸¢›¸¢š¸ ‚¸¦¬÷¸¡¸¸¿) ž¸¸¢£÷¸ ‚¸£‡¬¸‡ûÅ ˆ½Å 2.03 % ˜¸ì. ‡¸Æ¡¸»‡¥¸‡ ˆÅ¸½ ¤¸¸{¸¸£ Ÿ¸Ê ‚¸¬¸¸›¸ú ¬¸½ ¤¸½¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾ ¡¸¸
‚¢÷¸¢£Æ÷¸ ¢›¸¢š¸¡¸¸¿ œÏ¸œ÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¬¸¿œ¸¸¢æ¸ÄˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê „œ¸¡¸¸½Š¸ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ íÿ.
Bank maintained Available Stable Funding (ASF) of ` 2,37,822 crore (Previous year - ` 2,30,017 crore) and
Required Stable Funding (RSF) of ` 2,00,074 crore (Previous year- ` 1,91,664 crore) as on 31st March 2024.
Available Stable Funding (ASF) is mainly driven by total regulatory capital and deposits with maturity over one year
from retail customers, small business customers, non-financial corporate customers and PSUs. Required Stable
Funding (RSF) is mainly driven by unencumbered government securities and assets with maturity over one year.
HQLAs (High Quality Liquid Assets) after applying hair-cut constitute 2.03 % of weighted RSF. HQLAs can be
easily sold in the market or can be used as collateral for sourcing additional funds.

Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú Ÿ¸Ê ¤¸ÿˆÅ ˆÅ¸ ‡›¸‡¬¸‡ûöÅ‚¸£ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¬¸úŸ¸¸ 100% ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê 118.87 % (¢œ¸Ž¥¸½ ¨¸«¸Ä 120.01%) £í¸
í¾.
The NSFR of the Bank for Quarter ending March, 2024 is at 118.87 % (Previous Year 120.01%) as against the
regulatory limit of 100%..

3. ¢›¸¨¸½©¸ / Investments
ˆÅ) 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¢›¸¨¸½©¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ˆÅú ¬¸¿£¸›¸¸
a) Composition of Investment Portfolio as at March 31, 2024
(` ˆÅ£¸½”õ) / (` Crore)
ž¸¸£÷¸ Ÿ¸Ê ¢›¸¨¸½©¸ ž¸¸£÷¸ ˆ½Å ¤¸¸í£ ¢›¸¨¸½©¸ ˆºÅ¥¸ ¢›¸¨¸½©¸
Investments in India Investments outside India Total
Investments
¬¸£ˆÅ¸£ú ‚›¡¸ ©¸½¡¸£ ¢”¤¸Ê¸£ ¬¸í¸¡¸ˆÅ ‚›¡¸ ž¸¸£÷¸ Ÿ¸Ê ¬¸£ˆÅ¸£ú ¬¸í¸¡¸ˆÅ ‚›¡¸ ž¸¸£÷¸ ˆ½Å
œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ # ‚›¸ºŸ¸¸½¢™÷¸ Shares ‚¸¾£ ¤¸¸¿”### ‚¸¾£/¡¸¸ Others ˆºÅ¥¸ ¢›¸¨¸½©¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ‚¸¾£/¡¸¸ Others ¤¸¸í£ ˆºÅ¥¸
Government œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ Debentures ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ Total (¬˜¸¸›¸ú¡¸ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ ¢›¸¨¸½©¸
Securities# Other and Subsidiaries investments
œÏ¸¢š¸ˆÅ¸£µ¸¸Ê Subsidiaries Total
Approved Bonds### and /or Joint in India
¬¸¢í÷¸) and /or Joint investments
Securities Ventures Ventures outside
Government
India
Securities
(Including
local
authorities
œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸ / Held to Maturity
¬¸ˆÅ¥¸ / Gross 60,497 2 14,910 174 - 75,583 - - - - 75,583
‹¸’¸‡¿À ‚›¸¸ÄˆÅ ¢›¸¨¸½©¸¸Ê 673 - - - - 673 - - - - 673
ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸
(‡›¸œ¸ú‚¸ƒÄ)##
Less: Provision for
Non-performing
investments (NPI)##
¢›¸¨¸¥¸ / NET 59,824 2 14,910 174 - 74,910 - - - - 74,910
¢¤¸ÇÅú ˆ½Å ¢¥¸‡
„œ¸¥¸¤š¸
Available for Sale
¬¸ˆÅ¥¸ / Gross 24,381 540 4,794 134 9,164 39,013 415 - - 415 39,428
‹¸’¸‡¿À Ÿ¸»¥¡¸Ý¸¬¸ ‚¸¾£ - 218 1,495 43 2,870 4,626 - - - - 4,626
‡›¸œ¸ú‚¸ƒÄ ˆ½Å ¢¥¸‡
œÏ¸¨¸š¸¸›¸
Less: Provision for
depreciation and
NPI
¢›¸¨¸¥¸ / Net 24,381 322 3,299 91 6,294 34,387 415 - - 415 34,802

346 Friendship That

Powers Progress
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{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
ž¸¸£÷¸ Ÿ¸Ê ¢›¸¨¸½©¸ ž¸¸£÷¸ ˆ½Å ¤¸¸í£ ¢›¸¨¸½©¸ ˆºÅ¥¸ ¢›¸¨¸½©¸
Investments in India Investments outside India Total
Investments
¬¸£ˆÅ¸£ú ‚›¡¸ ©¸½¡¸£ ¢”¤¸Ê¸£ ¬¸í¸¡¸ˆÅ ‚›¡¸ ž¸¸£÷¸ Ÿ¸Ê ¬¸£ˆÅ¸£ú ¬¸í¸¡¸ˆÅ ‚›¡¸ ž¸¸£÷¸ ˆ½Å
œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ # ‚›¸ºŸ¸¸½¢™÷¸ Shares ‚¸¾£ ¤¸¸¿”### ‚¸¾£/¡¸¸ Others ˆºÅ¥¸ ¢›¸¨¸½©¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ‚¸¾£/¡¸¸ Others ¤¸¸í£ ˆºÅ¥¸
Government œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ Debentures ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ Total (¬˜¸¸›¸ú¡¸ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ ¢›¸¨¸½©¸
Securities# Other and Subsidiaries investments
œÏ¸¢š¸ˆÅ¸£µ¸¸Ê Subsidiaries Total
Approved Bonds### and /or Joint in India
¬¸¢í÷¸) and /or Joint investments
Securities Ventures Ventures outside
Government
India
Securities
(Including
local
authorities

’ï½¢”¿Š¸ ˆ½Å ¢¥¸‡ š¸¸¢£÷¸

Held for Trading

¬¸ˆÅ¥¸ / Gross 1,644 - - - 3,578 5,222 - - - - 5,222

‹¸’¸‡¿ À Ÿ¸»¥¡¸Ý¸¬¸ - - - - - - - - - - -
‚¸¾£ ‡›¸œ¸ú‚¸ƒÄ ˆ½Å ¢¥¸‡
œÏ¸¨¸š¸¸›¸
Less: Provision for
Depreciation and
NPI

¢›¸¨¸¥¸ / Net 1,644 - - - 3,578 5,222 - - - - 5,222

ˆºÅ¥¸ ¢›¸¨¸½©¸ 86,522 542 19,704 308 12,742 1,19,818 415 - - 415 1,20,233
Total Investments

‹¸’¸‡¿À ‚›¸¸ÄˆÅ 673 - - - - 673 - - - - 673

¢›¸¨¸½©¸¸Ê ˆ½Å ¢¥¸‡
œÏ¸¨¸š¸¸›¸
Less: Provision for
Non Preforming
Investments

‹¸’¸‡¿À Ÿ¸»¥¡¸Ý¸¬¸ ‚¸¾£ - 218 1,495 43 2,870 4,626 - - - - 4,626

‡›¸œ¸ú‚¸ƒÄ ˆ½Å ¢¥¸‡
œÏ¸¨¸š¸¸›¸
Less: Provision for
depreciation and
NPI

¢›¸¨¸¥¸ / Net 85,849 324 18,209 265 9,872 1,14,519 415 - - 415 1,14,934

#
‡¸’ú‡Ÿ¸ ª½µ¸ú ˆ½Å ÷¸í÷¸ ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê Ÿ¸Ê ` 673 ˆÅ£¸½”õ ˆÅ¸ ‡¬¸‡‡¬¸‡ûöÅ ¢›¸¨¸½©¸ ©¸¸¢Ÿ¸¥¸ í¾ .
#
Government Securities under HTM category includes SASF investment of ` 673 crore
##
‡¸’ú‡Ÿ¸ ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆ½Å ÷¸í÷¸ ‡›¸œ¸ú‚¸ƒÄ œÏ¸¨¸š¸¸›¸ ‡¬¸‡‡¬¸‡ûÅ ˆ½Å ¢¥¸‡ ¢ˆÅ‡ Š¸‡ ` 673 ˆÅ£¸½”õ ˆ½Å œÏ¸¨¸š¸¸›¸ ˆÅ¸½ ™©¸¸Ä÷¸¸ í¾ ¢¸¬¸ˆ½Å ¢¥¸‡ œ¸»£ú ÷¸£í ¬¸½ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
##
NPI provision under HTM Govt. securities represents provision of ` 673 crore for SASF been fully provided
###
‡¸’ú‡Ÿ¸ ª½µ¸ú ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢”¤¸Ê¸£¸Ê ‚¸¾£ ¤¸¸¿”¸Ê Ÿ¸Ê ž¸¸£÷¸ ¬¸£ˆÅ¸£ ׸£¸ ¸¸£ú `12,438 ˆÅ£¸½”õ ˆ½Å œ¸º›¸œ¸»ô¸úˆÅ£µ¸ ¤¸¸¿” ©¸¸¢Ÿ¸¥¸ íÿ.
###
Debentures and bonds under HTM category includes recapitalisation bonds issued by GOI of ` 12438 crore

31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¢›¸¨¸½©¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ˆÅú ¬¸¿£¸›¸¸

dm{f©H$ [anmoQ>© Annual Report 2023-24 347

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
Composition of Investment Portfolio as at March 31, 2023
(` ˆÅ£¸½”õ) / (` Crore)
ž¸¸£÷¸ Ÿ¸Ê ¢›¸¨¸½©¸ ž¸¸£÷¸ ˆ½Å ¤¸¸í£ ¢›¸¨¸½©¸ ˆºÅ¥¸ ¢›¸¨¸½©¸
Investments in India Investments outside India Total
Investments
¬¸£ˆÅ¸£ú ‚›¡¸ ©¸½¡¸£ ¢”¤¸Ê¸£ ¬¸í¸¡¸ˆÅ ‚›¡¸ ž¸¸£÷¸ Ÿ¸Ê ¬¸£ˆÅ¸£ú ¬¸í¸¡¸ˆÅ ‚›¡¸ ž¸¸£÷¸ ˆ½Å
œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ # ‚›¸ºŸ¸¸½¢™÷¸ Shares ‚¸¾£ ¤¸¸¿”### ‚¸¾£/¡¸¸ Others ˆºÅ¥¸ ¢›¸¨¸½©¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ‚¸¾£/¡¸¸ Others ¤¸¸í£ ˆºÅ¥¸
Government œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ Debentures ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ Total (¬˜¸¸›¸ú¡¸ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ ¢›¸¨¸½©¸
Securities# Other and Subsidiaries investments
œÏ¸¢š¸ˆÅ¸£µ¸¸Ê Subsidiaries Total
Approved Bonds### and /or Joint in India
¬¸¢í÷¸) and /or Joint investments
Securities Ventures Ventures outside
Government
India
Securities
(Including
local
authorities

œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸ / Held to Maturity

¬¸ˆÅ¥¸ / Gross 52,670 - 2 14,920 174 - 67,766 - - - - 67,766

‹¸’¸‡¿À ‚›¸¸ÄˆÅ 879 - - - - - 879 - - - - 879

¢›¸¨¸½©¸¸Ê ˆ½Å
¢¥¸‡ œÏ¸¨¸š¸¸›¸
(‡›¸œ¸ú‚¸ƒÄ)##
Less: Provision for
Non-performing
investments (NPI)##

¢›¸¨¸¥¸ / NET 51,791 - 2 14,920 174 - 66,887 - - - - 66,887

¢¤¸ÇÅú ˆ½Å ¢¥¸‡

„œ¸¥¸¤š¸
Available for Sale

¬¸ˆÅ¥¸ / Gross 19,419 - 398 5,057 134 7,043 32,051 221 - - 221 32,272

‹¸’¸‡¿À Ÿ¸»¥¡¸Ý¸¬¸ ‚¸¾£ 17 - 160 1,367 51 2,652 4,247 - - - - 4,247

‡›¸œ¸ú‚¸ƒÄ ˆ½Å ¢¥¸‡
œÏ¸¨¸š¸¸›¸
Less: Provision for
depreciation and
NPI

¢›¸¨¸¥¸ / Net 19,402 - 238 3,690 83 4,391 27,804 221 - - 221 28,025

’ï½¢”¿Š¸ ˆ½Å ¢¥¸‡ š¸¸¢£÷¸

Held for Trading

¬¸ˆÅ¥¸ / Gross 2,330 - 5 - - 2,443 4,778 - - - - 4,778

‹¸’¸‡¿ À Ÿ¸»¥¡¸Ý¸¬¸ - - - - - - - - - - - -
‚¸¾£ ‡›¸œ¸ú‚¸ƒÄ ˆ½Å ¢¥¸‡
œÏ¸¨¸š¸¸›¸
Less: Provision for
Depreciation and
NPI

¢›¸¨¸¥¸ / Net 2,330 - 5 - - 2,443 4,778 - - - - 4,778

ˆºÅ¥¸ ¢›¸¨¸½©¸ 74,419 - 405 19,977 308 9,486 1,04,595 221 - - 221 1,04,816
Total Investments

348 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
ž¸¸£÷¸ Ÿ¸Ê ¢›¸¨¸½©¸ ž¸¸£÷¸ ˆ½Å ¤¸¸í£ ¢›¸¨¸½©¸ ˆºÅ¥¸ ¢›¸¨¸½©¸
Investments in India Investments outside India Total
Investments
¬¸£ˆÅ¸£ú ‚›¡¸ ©¸½¡¸£ ¢”¤¸Ê¸£ ¬¸í¸¡¸ˆÅ ‚›¡¸ ž¸¸£÷¸ Ÿ¸Ê ¬¸£ˆÅ¸£ú ¬¸í¸¡¸ˆÅ ‚›¡¸ ž¸¸£÷¸ ˆ½Å
œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ # ‚›¸ºŸ¸¸½¢™÷¸ Shares ‚¸¾£ ¤¸¸¿”### ‚¸¾£/¡¸¸ Others ˆºÅ¥¸ ¢›¸¨¸½©¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ‚¸¾£/¡¸¸ Others ¤¸¸í£ ˆºÅ¥¸
Government œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ Debentures ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ Total (¬˜¸¸›¸ú¡¸ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ ¢›¸¨¸½©¸
Securities# Other and Subsidiaries investments
œÏ¸¢š¸ˆÅ¸£µ¸¸Ê Subsidiaries Total
Approved Bonds### and /or Joint in India
¬¸¢í÷¸) and /or Joint investments
Securities Ventures Ventures outside
Government
India
Securities
(Including
local
authorities

‹¸’¸‡¿À ‚›¸¸ÄˆÅ 879 - - - - - 879 - - - - 879

¢›¸¨¸½©¸¸Ê ˆ½Å ¢¥¸‡
œÏ¸¨¸š¸¸›¸
Less: Provision for
Non Preforming
Investments
‹¸’¸‡¿À Ÿ¸»¥¡¸Ý¸¬¸ ‚¸¾£ 17 - 160 1,367 51 2,652 4,247 - - - - 4,247
‡›¸œ¸ú‚¸ƒÄ ˆ½Å ¢¥¸‡
œÏ¸¨¸š¸¸›¸
Less: Provision for
depreciation and
NPI

¢›¸¨¸¥¸ / Net 73,523 - 245 18,610 257 6,834 99,469 221 - - 221 99,690

‡¸’ú‡Ÿ¸ ª½µ¸ú ˆ½Å ÷¸í÷¸ ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê Ÿ¸Ê ` 879 ˆÅ£¸½”õ ˆÅ¸ ‡¬¸‡‡¬¸‡ûöÅ ¢›¸¨¸½©¸ ©¸¸¢Ÿ¸¥¸ í¾.
#

#
Government Securities under HTM category includes SASF investment of ` 879 crore.
##
‡¸’ú‡Ÿ¸ ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆ½Å ÷¸í÷¸ ‡›¸œ¸ú‚¸ƒÄ œÏ¸¨¸š¸¸›¸ ‡¬¸‡‡¬¸‡ûÅ ˆ½Å ¢¥¸‡ ¢ˆÅ‡ Š¸‡ ` 879 ˆÅ£¸½”õ ˆ½Å œÏ¸¨¸š¸¸›¸ ˆÅ¸½ ™©¸¸Ä÷¸¸ í¾ ¢¸¬¸ˆ½Å ¢¥¸‡ œ¸»£¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
##
NPI provision under HTM Govt. securities represents provision of ` 879 crore for SASF been fully provided.
###
‡¸’ú‡Ÿ¸ ª½µ¸ú ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢”¤¸Ê¸£¸Ê ‚¸¾£ ¤¸¸¿”¸Ê Ÿ¸Ê ž¸¸£÷¸ ¬¸£ˆÅ¸£ ׸£¸ ¸¸£ú ` 12,438 ˆÅ£¸½”õ ˆ½Å œ¸º›¸œ¸»ô¸úˆÅ£µ¸ ¤¸¸¿” ©¸¸¢Ÿ¸¥¸ íÿ.
###
Debentures and bonds under HTM category includes recapitalisation bonds issued by GOI of ` 12438 crore.

‰¸) Ÿ¸»¥¡¸Ý¸¬¸ ‚¸¾£ ¢›¸¨¸½©¸ Ÿ¸Ê „÷¸¸£-¸õ¸¨¸ ¢£{¸¨¸Ä ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê Ÿ¸½¿ ‹¸’-¤¸õ
b) Movement of Provisions for Depreciation and Investment Fluctuation Reserve
(` ˆÅ£¸½”õ) / (` Crore)
ÇÅŸ¸ ¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023
¬¸¿‰¡¸¸ Particulars March 31, 2024 March 31, 2023
Sr.
No.
i ¢›¸¨¸½©¸¸Ê œ¸£ Ÿ¸»¥¡¸Ý¸¬¸ ˆ½Å ¢¥¸‡ š¸¸¢£÷¸ œÏ¸¨¸š¸¸›¸ Ÿ¸½¿ ‹¸’-¤¸õ
Movement of provision held towards depreciation on
investments
ˆÅ. œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ 5,126 6,495
a. Opening Balance
‰¸. ¸¸½”õÊ À ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ œÏ¸¨¸š¸¸›¸ 799 2,399
b. Add: Provision made during the year
Š¸. ‹¸’¸‡¿ À ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¢÷¸¢£Æ÷¸ œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸½ ¤¸’Ã’½ ‰¸¸÷¸½ Ÿ¸Ê ”¸¥¸›¸¸/ 627 3,768
œ¸º›¸£¸¿¢ˆÅ÷¸ ˆÅ£›¸¸
c. Less: Write-off / write-back of excess provisions during
the year
‹¸. ‚¿¢÷¸Ÿ¸ ©¸½«¸ 5,298 5,126
d. Closing balance

dm{f©H$ [anmoQ>© Annual Report 2023-24 349

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
ÇÅŸ¸ ¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023
¬¸¿‰¡¸¸ Particulars March 31, 2024 March 31, 2023
Sr.
No.
ii ¢›¸¨¸½©¸ Ÿ¸Ê „÷¸¸£-¸õ¸¨¸ ¢£{¸¨¸Ä Ÿ¸½¿ ‹¸’-¤¸õ
Movement of Investment Fluctuation Reserve

ˆÅ. œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ 741 545

a. Opening balance

‰ö¸. ¸¸½”õÊ À ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¿÷¸¢£÷¸ £¸¢©¸ 152 196

b. Add: Amount transferred during the year

Š¸. ‹¸’¸‡¿À ¢Š¸£¸¨¸’ - -

c. Less: Drawdown

‹¸. ‚¿¢÷¸Ÿ¸ ©¸½«¸ 893 741

d. Closing balance

iii ‡‡ûöҬ¸ ‚¸¾£ ‡¸‡ûöÅ’ú/¨¸÷¸ÄŸ¸¸›¸ ª½µ¸ú Ÿ¸Ê ¢›¸¨¸½©¸ ˆ½Å ‚¿¢÷¸Ÿ¸ ©¸½«¸ ˆ½Å 2.23% 2.26%
œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ‚¸ƒÄ‡ûöÅ‚¸£ Ÿ¸Ê ‚¿¢÷¸Ÿ¸ ©¸½«¸ (¢›¸¨¸¥¸)
Closing balance in IFR as a percentage of closing balance
of investments in AFS and HFT/Current category (Net)

¬¸¿¤¸¿¢š¸÷¸ ¢£œ¸¸½¢’ôŠ¸ ‚¨¸¢š¸¡¸¸Ê ˆ½Å ‚¿÷¸ ˆÅú ¦¬˜¸¢÷¸¡¸¸Ê ˆÅú ÷¸º¥¸›¸¸ ˆÅ£ˆ½Å ¨¸¸¢«¸ÄˆÅ ‚¸š¸¸£ œ¸£ œÏ¸¨¸š¸¸›¸ Ÿ¸½¿ ‹¸’-¤¸õ ÷¸¾¡¸¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Movement of provision is prepared on annual basis by comparing the positions as at the respective reporting period end.

›¸¸½’À ¢£{¸¨¸Ä ¤¸ÿˆÅ ›¸½ 25 ‚Š¸¬÷¸ 2021 ˆ½Å Ÿ¸¸¬’£ ¢›¸™½Ä©¸ ˆ½Å ‚›¸º¬¸¸£ `¨¸¸¢µ¸¦¡¸ˆÅ ¤¸ÿˆÅ¸Ê ˆ½Å ¢›¸¨¸½©¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ˆÅ¸ ¨¸Š¸úĈţµ¸, Ÿ¸»¥¡¸¸¿ˆÅ›¸ ‚¸¾£ œ¸¢£¸¸¥¸›¸ (¢›¸™½Ä©¸),
2021' ˆ½Å ‚›¸º¬¸¸£ ‡½¬¸ú £¸¢©¸ ˆÅ¸ ¢›¸¨¸½©¸ „÷¸¸£-¸õ¸¨¸ ¢£{¸¨¸Ä (‚¸ƒÄ‡ûÅ‚¸£) ¤¸›¸¸›¸½ ˆÅú ¬¸¥¸¸í ™ú Š¸ƒÄ í¾ ¸¸½ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢›¸¨¸½©¸ ˆÅú ¢¤¸ÇÅú œ¸£ ¢›¸¨¸¥¸ ¥¸¸ž¸ ¡¸¸
¨¸«¸Ä ˆ½Å ¢¥¸‡ ¢›¸¨¸¥¸ ¥¸¸ž¸ ¬¸½ ‚¢›¸¨¸¸¡¸Ä ¢¨¸¢›¸¡¸¸½¸›¸ ‹¸’¸›¸½ ˆ½Å ¤¸¸™ ˆÅú £¸¢©¸, ¸¸½ ž¸ú ˆÅŸ¸ í¸½, ¸¤¸ ÷¸ˆÅ ¢ˆÅ ‚¸ƒÄ‡ûÅ‚¸£ ˆÅú £¸¢©¸ ¢›¸£¿÷¸£ ‚¸š¸¸£ œ¸£ ‡¸‡ûÅ’ú ‚¸¾£
‡‡ûҬ¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ˆÅ¸ ˆÅŸ¸ ¬¸½ ˆÅŸ¸ 2 œÏ¢÷¸©¸÷¸ ›¸ í¸½.
Note: As per RBI vide its Master Direction dated August 25, 2021 on ‘Classification, Valuation and Operation of Investment
Portfolio of Commercial Banks (Directions), 2021’ advised to create Investments Fluctuation Reserve (IFR) with an amount which
is not less than lower of net profit on sale of investments during the year or net profit for the year less mandatory appropriations
until the amount of IFR is at least 2 percent of the HFT and AFS portfolio, on a continuing basis.

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¸¤¸ ÷¸ˆÅ ¢ˆÅ ‚¸ƒÄ‡ûöÅ‚¸£ ˆÅú £¸¢©¸ ¬¸ˆÅ¥¸ ‡¸‡ûöÅ’ú ‚¸¾£ ‡‡ûöҬ¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ˆ½Å ˆÅŸ¸ ¬¸½ ˆÅŸ¸ 2% ›¸ í¸½ , ¤¸ÿˆÅ ›¸½ ‚¸ƒÄ‡ûöÅ‚¸£ Ÿ¸Ê ‚¿÷¸¢£÷¸
¢ˆÅ¡¸¸ í¾.
Bank has transferred to IFR until the amount of IFR is at least 2% of the Gross HFT and AFS portfolio as on March 31, 2024.

Š¸) œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸ (‡¸’ú‡Ÿ¸) ª½µ¸ú ¬¸½ / ˆÅ¸½ ¢¨¸ÇÅ¡¸ ¨¸ ‚¿÷¸£µ¸
c) Sales and transfers to/from Held to Maturity (HTM) category

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä (‚¸¾£ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ Š¸÷¸ ¨¸«¸Ä) ˆ½Å ™¸¾£¸›¸ ‡¸’ú‡Ÿ¸ ª½µ¸ú ¬¸½/ˆÅ¸½ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅú ¢¤¸ÇÅú ‚¸¾£ ‚¿÷¸£µ¸ ˆÅ¸ Ÿ¸»¥¡¸ ¨¸«¸Ä
ˆ½Å œÏ¸£Ÿž¸ Ÿ¸Ê ‡¸’ú‡Ÿ¸ ª½µ¸ú Ÿ¸Ê š¸¸¢£÷¸ ¢›¸¨¸½©¸¸Ê ˆ½Å ¤¸íú Ÿ¸»¥¡¸ ˆ½Å 5% ¬¸½ ‚¢š¸ˆÅ ›¸íú¿ í¾.
During the year ended March 31, 2024 (and previous year ended March 31, 2023), the value of sales and transfers of securities
to/from HTM category has not exceeded 5% of the book value of the investments held in HTM category at the beginning of the
year.

„œ¸£¸½Æ÷¸ ¬¸úŸ¸¸ ˆ½Å œÏ¡¸¸½¸›¸ ˆ½Å ¢¥¸‡ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ˆÅ¸½ ¤¸¸í£ £‰¸¸ Š¸¡¸¸ í¾À / For the purpose of above limit following are excluded:
¥¸½‰¸¸¿ˆÅ›¸ ¨¸«¸Ä ˆ½Å œÏ¸£¿ž¸ Ÿ¸Ê ¤¸ÿˆÅ¸Ê ˆÅ¸½ ‚›¸ºŸ¸÷¸ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆ½Å ‚›¸ºŸ¸¸½™›¸ ¬¸½ ¢ˆÅ¡¸¸ ¸¸›¸½¨¸¸¥¸¸ ‡¸’ú‡Ÿ¸ ª½µ¸ú ¬¸½/ˆÅ¸½ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆ½Å ‡ˆÅ¤¸¸£ú¡¸ ‚¿÷¸£µ¸, œ¸»¨¸Ä ‹¸¸½¢«¸÷¸
‰¸º¥¸¸ ¤¸¸{¸¸£ œ¸¢£¸¸¥¸›¸ (‚¸½‡Ÿ¸‚¸½) ›¸ú¥¸¸¢Ÿ¸¡¸¸Ê ˆ½Å ÷¸í÷¸ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆÅ¸½ ˆÅú Š¸ƒÄ ¢¤¸ÇÅú, ‡¬¸‡¥¸‚¸£ š¸¸¢£÷¸¸Ê ˆÅ¸½ ˆÅŸ¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‡¸’ú‡Ÿ¸ ¬¸½ ¬¸úš¸ú
¢¤¸ÇÅú, ž¸¸£÷¸ ¬¸£ˆÅ¸£ ׸£¸ ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅú œ¸º›¸‰¸Ä£ú™, ¬¸¿¤¸¿¢š¸÷¸ £¸¡¸ ¬¸£ˆÅ¸£¸Ê ׸£¸ £¸¡¸ ¢¨¸ˆÅ¸¬¸ †µ¸¸Ê ˆÅú œ¸º›¸‰¸Ä£ú™ ‚¸¾£ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ‚›¸ºŸ¸÷¸
œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅ¸ ‚¢÷¸¢£Æ÷¸ ¬˜¸¸›¸¸¿÷¸£µ¸.

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 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
Onetime transfer to/from HTM category with the approval of Board of Directors permitted to be undertaken by banks at the
beginning of the accounting year, sale to RBI under pre-announced Open Market Operation (OMO) auctions, direct sales from
HTM for bringing down SLR holdings, repurchase of government securities by GOI, repurchase of state development loans by
respective state governments and additional shifting of securities permitted by RBI.

‹¸) Š¸¾£- ‡¬¸‡¥¸‚¸£ ¢›¸¨¸½©¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½

d) Non- SLR Investment Portfolio

(i) ‚›¸¸ÄˆÅ Š¸¾£- ‡¬¸‡¥¸‚¸£ ¢›¸¨¸½©¸ / Non-performing Non-SLR investments

(` ˆÅ£¸½”õ) / (` Crore)

¢¨¸¨¸£µ¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23

Particulars FY 2023-24 FY 2022-23

œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening balance 1,321 1,495

1 ‚œÏ¾¥¸ ¬¸½ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ 1,484 737

Additions during the year since 1st April

„œ¸¡¸ºÄÆ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú @ 331 911

Reductions during the above year @

‚¿¢÷¸Ÿ¸ ©¸½«¸ / Closing balance 2,474 1,321

š¸¸¢£÷¸ ˆºÅ¥¸ œÏ¸¨¸š¸¸›¸# / Total provisions held# 2,474 1,321

@
` 86 ˆÅ£¸½”õ (¢œ¸Ž¥¸¸ ¨¸«¸Ä- ` 707 ˆÅ£¸½”õ) ˆ½Å ¢›¸¨¸½©¸ Ÿ¸¸½¸›¸/¢¤¸ÇÅú/ ¤¸’Ã’½ ‰¸¸÷¸½ Ÿ¸Ê ”¸¥¸›¸¸ / ¢›¸œ¸’¸›¸ /¨¸¸œ¸¬¸ú ‰¸£ú™, ` 94 ˆÅ£¸½”õ (¢œ¸Ž¥¸¸ ¨¸«¸Ä-©¸»›¡¸) ˆÅ¸
„››¸¡¸›¸ ‚¸¾£ ‚›¡¸ ‚¸¦¬÷¸¡¸¸Ê Ÿ¸Ê ‚¿÷¸¢£÷¸ ¢›¸¨¸½©¸ ©¸»›¡¸ (¢œ¸Ž¥¸¸ ¨¸«¸Ä- ` 204 ˆÅ£¸½”õ), ` 151 ˆÅ£¸½”õ (¢œ¸Ž¥¸¸ ¨¸«¸Ä-©¸»›¡¸) ˆÅ¸ ‡›¸¬¸ú”ú ¬¸½ ‡¬¸‚¸£ Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸
©¸¸¢Ÿ¸¥¸ í¾.
@
Includes Investment Redemption/ Sale/ Write-off/ Settlement/Buyback of ` 86 crore (previous year - ` 707 crore), Up-gradation
of ` 94 crore (previous year - Nil) and Investment moved to other assets Nil (previous year - ` 204 crore) Conversion of NCD to
SR of ` 151 crore (previous year - Nil)
#
ˆºÅ¥¸ œÏ¸¨¸š¸¸›¸ Ÿ¸Ê `356/- (¢œ¸Ž¥¸½ ¨¸«¸Ä - `332 ˆÅ£¸½”õ) ˆÅ¸ ¢›¸¢Ÿ¸Ä÷¸ ¢¨¸©¸½«¸ œÏ¸¨¸š¸¸›¸ ©¸¸¢Ÿ¸¥¸ í¾. œÏ¸¨¸š¸¸›¸ Ÿ¸Ê ‹¸’-¤¸õ ¬¸¿¤¸¿¢š¸÷¸ ¢£œ¸¸½¢’ôŠ¸ ‚¨¸¢š¸¡¸¸Ê ˆÅú ¦¬˜¸¢÷¸¡¸¸Ê
ˆÅú ÷¸º¥¸›¸¸ ˆÅ£ ¨¸¸¢«¸ÄˆÅ ‚¸š¸¸£ œ¸£ ÷¸¾¡¸¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
#
Total Provision held includes special provision created of ` 356/- (previous year - ` 332 crore) Movement of provision is
prepared on annual basis by comparing the positions as on respective reporting periods

(ii) Š¸¾£-‡¬¸‡¥¸‚¸£ ¢›¸¨¸½©¸¸½¿ ˆÅú ¢›¸Š¸ÄŸ¸ˆÅ÷¸¸Ä ¬¸¿£¸›¸¸ / Issuer composition of Non-SLR investments
(` ˆÅ£¸½”õ) / (` Crore)
ÇÅŸ¸ ¢›¸Š¸ÄŸ¸ˆÅ÷¸¸Ä £¸¢©¸ ¢›¸¸ú ¢›¸¡¸¸½¸›¸ ˆÅú `¢›¸¨¸½©¸ ª½µ¸ú ¬¸½ ˆÅŸ¸' `¢¤¸›¸¸- £½¢’¿Š¸' ¨¸¸¥¸ú `‚¬¸»¸ú¤¸Ö'
¬¸¿. Issuer Amount Ÿ¸¸°¸¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅú Ÿ¸¸°¸¸ # œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅú Ÿ¸¸°¸¸ $ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅú Ÿ¸¸°¸¸
Sr. Extent of private Extent of below Extent of 'unrated' Extent of 'unlisted'
No. placement investment grade' securities$ securities
securities #
(1) (2) (3) (4) (5) (6) (7)

31 Ÿ¸¸¸Ä ˆÅ¸½ / As at March 31, 2024 2023 2024 2023 2024 2023 2024 2023 2024 2023

1 ¬¸¸¨¸Ä¸¢›¸ˆÅ ®¸½°¸ ˆ½Å „œ¸ÇÅŸ¸** 12,467 12,572 2 102 - 2 12,467 12,472 29 29

PSUs**
2 ¢¨¸î¸ú¡¸ ¬¸¿¬˜¸¸‡¿ / FIs 739 ^948 69 30 - - 19 19 19 19

3 ¤¸ÿˆÅ / Banks 9,945 ^6,591 284 254 - - 6 1 - -

4 ¢›¸¸ú ˆÅ¸Á£œ¸¸½£½’ 6,477 ^6,826 6,010 ^6,111 1,788 1,555 1,624 1,248 1,606 ^1,638
Private corporates

dm{f©H$ [anmoQ>© Annual Report 2023-24 351

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
ÇÅŸ¸ ¢›¸Š¸ÄŸ¸ˆÅ÷¸¸Ä £¸¢©¸ ¢›¸¸ú ¢›¸¡¸¸½¸›¸ ˆÅú `¢›¸¨¸½©¸ ª½µ¸ú ¬¸½ ˆÅŸ¸' `¢¤¸›¸¸- £½¢’¿Š¸' ¨¸¸¥¸ú `‚¬¸»¸ú¤¸Ö'
¬¸¿. Issuer Amount Ÿ¸¸°¸¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅú Ÿ¸¸°¸¸ # œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅú Ÿ¸¸°¸¸ $ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅú Ÿ¸¸°¸¸
Sr. Extent of private Extent of below Extent of 'unrated' Extent of 'unlisted'
No. placement investment grade' securities$ securities
securities #
(1) (2) (3) (4) (5) (6) (7)

31 Ÿ¸¸¸Ä ˆÅ¸½ / As at March 31, 2024 2023 2024 2023 2024 2023 2024 2023 2024 2023

5 ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸¢›¸¡¸¸¿ / ¬¸¿¡¸ºÆ÷¸ 308 308 290 290 - - 308 308 308 308

„Ô¸Ÿ¸
Subsidiaries / JV
6 ‚›¡¸@ / Others@ 4,446 ^4,030 503 ^303 1,430 2,627 1,995 3,302 4,031 ^3,809

¬¸ˆÅ¥¸ ˆºÅ¥¸ / Gross Total 34,382 31,275 7,158 7,090 3,218 4,184 16,419 17,350 5,993 5,803

7 Ÿ¸»¥¡¸Ý¸¬¸ ˆ½Å ¢¥¸‡ ¢ˆÅ¡¸¸ Š¸¡¸¸ 5298 5,109 - - - - - - - -

œÏ¸¨¸š¸¸›¸
Prov. held towards
Depreciation
29,084 26,166 7,158 7,090 3,218 4,184 16,419 17,350 5,993 5,803
¢›¸¨¸¥¸ ˆºÅ¥¸ / Net Total
$ ƒ¦Æ¨¸¢’¡¸¸Ê Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅ¸½ ¢¤¸›¸¸ £½¢’¿Š¸ ¨¸¸¥¸ú œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾.
$ Investment in Equities are treated as unrated securities
@
‚›¡¸ Ÿ¸Ê œ¸ú’ú¬¸ú, ‡¬¸‡‡¬¸‡ûÅ, ‡¬¸‚¸£ ‚¸¾£ ¢¨¸™½©¸ú/¢Š¸É’ ¢›¸¨¸½©¸ ©¸¸¢Ÿ¸¥¸ í¾.
@
Others include PTC, SASF, SR and overseas/GIFT investment.

** Š¸¾£ ‡¬¸‡¥¸‚¸£ í¸½›¸½ ˆ½Å ˆÅ¸£µ¸ ž¸¸£÷¸ ¬¸£ˆÅ¸£ ׸£¸ ¸¸£ú ` 12,438 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 12,438 ˆÅ£¸½”õ ) ˆ½Å œ¸º›¸œ¸»ô¸úˆÅ£µ¸ ¤¸¸¿” ˆÅ¸½ œ¸ú‡¬¸¡¸» ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸
Š¸¡¸¸ í¾.
** The Recapitalisation Bonds issued by GOI of ` 12,438 crore (previous year - ` 12,438 crore) being Non SLR has been classified as PSU
#
ƒ¦Æ¨¸’ú/ ‚¢š¸Ÿ¸¸›¡¸ ©¸½¡¸£¸Ê ÷¸˜¸¸ £¸¡¸ ¬÷¸£ú¡¸ ¤¸¸Áµ”¸Ê Ÿ¸Ê ‡›¸œ¸ú‚¸ƒÄ ¢›¸¨¸½©¸ ˆÅ¸½ ¢›¸¨¸½©¸ ŠÏ½” ¬¸½ ›¸ú¸½ Ÿ¸¸›¸¸ Š¸¡¸¸ í¾.
#
NPI Investments in equity/preference shares and state level bonds have been considered as below investment grade.

^ ¬¸úœ¸ú/¬¸ú”ú ‚¸¾£ Ÿ¡¸º¡¸º‚¥¸ û¿Å” ˆÅ¸½ ¢›¸Š¸ÄŸ¸ˆÅ÷¸¸Ä ª½µ¸ú ˆ½Å ‚¸š¸¸£ œ¸£ ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ¸í¸¿ ‚¸¨¸©¡¸ˆÅ íº‚¸ ¨¸í¸¿ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å ‚¸¿ˆÅ”õ¸Ê ˆÅ¸½ œ¸º›¸À™©¸¸Ä¡¸¸ Š¸¡¸¸ í¾.
^ CP/CD and Mutual Fund are categorized based on Issuer category, all the figures of FY 2022-23 are restated wherever required.

‹¸) £½œ¸¸½ ¥¸½›¸-™½›¸ (‚¿¢ˆÅ÷¸ Ÿ¸»¥¡¸ ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê)

e) Repo Transactions (in face value terms)

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ œÏˆÅ’úˆÅ£µ¸ / Disclosure for the year ended March 31, 2024
(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¸¾¬¸÷¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½
Particulars ›¡¸»›¸÷¸Ÿ¸ ¤¸ˆÅ¸¡¸¸@ ‚¢š¸ˆÅ÷¸Ÿ¸ ¤¸ˆÅ¸¡¸¸ ™¾¢›¸ˆÅ ¤¸ˆÅ¸¡¸¸ ¤¸ˆÅ¸¡¸¸
Minimum Maximum Daily Average Outstanding as
Outstanding Outstanding Outstanding on March
During The Year@ During The Year During The Year 31, 2024

¢£{¸¨¸Ä ¤¸ÿˆÅ £½œ¸¸½, ¤¸¸{¸¸£ £½œ¸¸½, ˆÅ¸Á£œ¸¸½£½’ ¤¸¸¿” £½œ¸¸½

¥¸½›¸™½›¸
RBI REPO, MARKET REPO, CORPORATE
BOND REPO TRANSACTION
£½œ¸¸½ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¤¸½¸ú Š¸ƒÄ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ (‚¿¢ˆÅ÷¸ Ÿ¸»¥¡¸)
Securities sold under Repo (Face Value)
I. ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ 2,421 8,015 2,957 2,421
Government Securities

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Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¸¾¬¸÷¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½
Particulars ›¡¸»›¸÷¸Ÿ¸ ¤¸ˆÅ¸¡¸¸@ ‚¢š¸ˆÅ÷¸Ÿ¸ ¤¸ˆÅ¸¡¸¸ ™¾¢›¸ˆÅ ¤¸ˆÅ¸¡¸¸ ¤¸ˆÅ¸¡¸¸
Minimum Maximum Daily Average Outstanding as
Outstanding Outstanding Outstanding on March
During The Year@ During The Year During The Year 31, 2024

II. ˆÅ¸Á£œ¸¸½£½’ †µ¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ 50 100 0.40 Nil

Corporate Debt Securities

III. ˆÅ¸½ƒÄ ‚›¡¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Any Other Securities

¢£¨¸¬¸Ä £½œ¸¸½ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‰¸£ú™ú Š¸ƒÄ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ (‚¿¢ˆÅ÷¸ Ÿ¸»¥¡¸)

Securities purchased under Reverse Repo (Face Value)

I. ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ 5 739 46 ©¸»›¡¸ / Nil

Government Securities

II. ˆÅ¸Á£œ¸¸½£½’ †µ¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ 75 161 7 ©¸»›¡¸ / Nil

Corporate Debt Securities

III. ˆÅ¸½ƒÄ ‚›¡¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Any Other Securities

’ú‚¸£ƒÄœ¸ú‡¬¸ £½œ¸¸½ ¥¸½›¸™½›¸

TREPS REPO TRANSACTION

£½œ¸¸½ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¤¸½¸ú Š¸ƒÄ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ (‚¿¢ˆÅ÷¸ Ÿ¸»¥¡¸)

Securities sold under Repo (Face Value)

I. ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ 285 17,618 4,588 ©¸»›¡¸ / Nil

Government Securities

II. ˆÅ¸Á£œ¸¸½£½’ †µ¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Corporate Debt Securities

III. ˆÅ¸½ƒÄ ‚›¡¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Any Other Securities

¢£¨¸¬¸Ä £½œ¸¸½ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‰¸£ú™ú Š¸ƒÄ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿

(‚¿¢ˆÅ÷¸ Ÿ¸»¥¡¸)
Securities purchased under Reverse Repo
(Face Value)

I. ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ 495 4,200 70 2,500

Government Securities

II. ˆÅ¸Á£œ¸¸½£½’ †µ¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Corporate Debt Securities

dm{f©H$ [anmoQ>© Annual Report 2023-24 353

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¸¾¬¸÷¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½
Particulars ›¡¸»›¸÷¸Ÿ¸ ¤¸ˆÅ¸¡¸¸@ ‚¢š¸ˆÅ÷¸Ÿ¸ ¤¸ˆÅ¸¡¸¸ ™¾¢›¸ˆÅ ¤¸ˆÅ¸¡¸¸ ¤¸ˆÅ¸¡¸¸
Minimum Maximum Daily Average Outstanding as
Outstanding Outstanding Outstanding on March
During The Year@ During The Year During The Year 31, 2024

III. ˆÅ¸½ƒÄ ‚›¡¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Any Other Securities

@ - ``¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ›¡¸»›¸÷¸Ÿ¸ ¤¸ˆÅ¸¡¸¸ £¸¢©¸'' ˆ½Å ¢›¸š¸¸Ä£µ¸ ˆ½Å „Ó½©¡¸ ˆ½Å ¢¥¸‡ ``©¸»›¡¸'' ©¸½«¸ £¸¢©¸ ˆÅ¸½ ©¸¸¢Ÿ¸¥¸ ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
@ - For the purpose of determination of “minimum outstanding amounts during the year”,“zero” balances have been excluded.

31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ œÏˆÅ’úˆÅ£µ¸ / Disclosure for the year ended March 31, 2023
(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¸¾¬¸÷¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
Particulars ›¡¸»›¸÷¸Ÿ¸ ¤¸ˆÅ¸¡¸¸@ ‚¢š¸ˆÅ÷¸Ÿ¸ ¤¸ˆÅ¸¡¸¸ ™¾¢›¸ˆÅ ¤¸ˆÅ¸¡¸¸ ¤¸ˆÅ¸¡¸¸
Minimum Maximum Daily Average Outstanding as
Outstanding Outstanding Outstanding on March
During The Year@ During The Year During The Year 31, 2023

£½œ¸¸½ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¤¸½¸ú Š¸ƒÄ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ (‚¿¢ˆÅ÷¸ Ÿ¸»¥¡¸)¿

Securities sold under Repo (Face Value)

I. ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ 2,421 4,422 2,467 2,421

Government Securities

II. ˆÅ¸Á£œ¸¸½£½’ †µ¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ 50 100 1 ©¸»›¡¸ / Nil

Corporate Debt Securities

III. ˆÅ¸½ƒÄ ‚›¡¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Any Other Securities

¢£¨¸¬¸Ä £½œ¸¸½ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‰¸£ú™ú Š¸ƒÄ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿

(‚¿¢ˆÅ÷¸ Ÿ¸»¥¡¸)
Securities purchased under Reverse Repo
(Face Value)

I. ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ 5 18,724 1,270 ©¸»›¡¸ / Nil

Government Securities

II. ˆÅ¸Á£œ¸¸½£½’ †µ¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ 50 150 6 ©¸»›¡¸ / Nil

Corporate Debt Securities

III. ˆÅ¸½ƒÄ ‚›¡¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Any Other Securities

’ú‚¸£ƒÄœ¸ú‡¬¸ £½œ¸¸½ ¥¸½›¸™½›¸

TREPS REPO TRANSACTION

£½œ¸¸½ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¤¸½¸ú Š¸ƒÄ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ (‚¿¢ˆÅ÷¸ Ÿ¸»¥¡¸)

Securities sold under Repo (Face Value)

I. ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ 350 9,391 3,850 ©¸»›¡¸ / Nil

Government Securities

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{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
II. ˆÅ¸Á£œ¸¸½£½’ †µ¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Corporate Debt Securities

III. ˆÅ¸½ƒÄ ‚›¡¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Any Other Securities

¢£¨¸¬¸Ä £½œ¸¸½ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‰¸£ú™ú Š¸ƒÄ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ (‚¿¢ˆÅ÷¸ Ÿ¸»¥¡¸)

Securities purchased under Reverse Repo (Face Value)

I. ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ 206 1,937 34 ©¸»›¡¸ / Nil

Government Securities

II. ˆÅ¸Á£œ¸¸½£½’ †µ¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Corporate Debt Securities

III. ˆÅ¸½ƒÄ ‚›¡¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Any Other Securities

@ - ``¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ›¡¸»›¸÷¸Ÿ¸ ¤¸ˆÅ¸¡¸¸ £¸¢©¸'' ˆ½Å ¢›¸š¸¸Ä£µ¸ ˆ½Å „Ó½©¡¸ ˆ½Å ¢¥¸‡ ``©¸»›¡¸'' ©¸½«¸ £¸¢©¸ ˆÅ¸½ ©¸¸¢Ÿ¸¥¸ ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
@ - For the purpose of determination of “minimum outstanding amounts during the year” “zero” balances have been excluded.
‹¸) ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸ „š¸¸£ (¸ú‡¬¸‡¥¸) ¥¸½›¸™½›¸
f) Government Security Lending (GSL) transactions
¤¸ÿˆÅ ›¸½ ¸¸¥¸» ¨¸«¸Ä ‚¸¾£ Š¸÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸½¿ ˆ½Å „š¸¸£ ¬¸¿¤¸¿š¸ú ˆÅ¸½ƒÄ ¥¸½›¸™½›¸ ›¸íì ¢ˆÅ¡¸¸ í¾.
Bank has no transaction in Government Securities Lending during the current year & previous year.

4. ‚¸¦¬÷¸ Š¸ºµ¸¨¸î¸¸ / Asset Quality

ˆÅ) 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‚¢ŠÏŸ¸¸Ê ‚¸¾£ š¸¸¢£÷¸ œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸ ¨¸Š¸úĈţµ¸
a) Classification of advances and provisions held as on March 31, 2024
(` ˆÅ£¸½”õ) / (` Crore)
Ÿ¸¸›¸ˆÅ ‚›¸¸ÄˆÅ
Standard Non-performing

ˆºÅ¥¸ Ÿ¸¸›¸ˆÅ ˆºÅ¥¸ ‚›¸¸ÄˆÅ

¢¨¸¨¸£µ¸ ˆºÅ¥¸
‚¢ŠÏŸ¸ (‚) ‚¨¸-Ÿ¸¸›¸ˆÅ ‚¢ŠÏŸ¸ (‚¸)
Particulars ¬¸¿¢™Šš¸ í¸¢›¸ (‚+‚¸)
Total Total Non-
Sub- Total
Standard Doubtful Loss Performing
standard (A+B)
Advances Advances
(A) (B)

¬¸ˆÅ¥¸ Ÿ¸¸›¸ˆÅ ‚¢ŠÏŸ¸ ‡¨¸¿ ‡›¸œ¸ú‡

Gross Standard Advances & NPA
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening Balance 1,61,073 1,006 2,989 6,974 10,969 1,72,042

¸¸½”õÊ À ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ 3,559

Add: Additions during the year
‹¸’¸‡¿ À ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú 5,611
Less: Reductions during the year
‚¿¢÷¸Ÿ¸ ©¸½«¸ / Closing Balance 1,87,977 2053 2680 4184 8,917 1,96,894

¬¸ˆÅ¥¸ ‡›¸œ¸ú‡ Ÿ¸Ê ˆÅŸ¸ú ˆ½Å ˆÅ¸£µ¸À

Reductions in Gross NPAs due to:

i) „››¸¡¸›¸ 1,510
Up-gradation

dm{f©H$ [anmoQ>© Annual Report 2023-24 355

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
Ÿ¸¸›¸ˆÅ ‚›¸¸ÄˆÅ
Standard Non-performing

ˆºÅ¥¸ Ÿ¸¸›¸ˆÅ ˆºÅ¥¸ ‚›¸¸ÄˆÅ

¢¨¸¨¸£µ¸ ˆºÅ¥¸
‚¢ŠÏŸ¸ (‚) ‚¨¸-Ÿ¸¸›¸ˆÅ ‚¢ŠÏŸ¸ (‚¸)
Particulars ¬¸¿¢™Šš¸ í¸¢›¸ (‚+‚¸)
Total Total Non-
Sub- Total
Standard Doubtful Loss Performing
standard (A+B)
Advances Advances
(A) (B)
ii) ¨¸¬¸»¢¥¸¡¸¸¿ (‚œ¸ŠÏ½” ‰¸¸÷¸¸½¿ ¬¸½ íºƒÄ ¨¸¬¸»¥¸ú ˆÅ¸½ Ž¸½”õˆÅ£) 1,117
Recoveries (excluding recoveries from
upgraded accounts)
iii) ÷¸ˆÅ›¸úˆÅú/ ¢¨¸¨¸½ˆÅœ¸»µ¸Ä ÷¸£úˆ½Å ¬¸½ ¤¸’Ã’½ ‰¸¸÷¸½ Ÿ¸Ê ”¸¥¸½ 2,758
Š¸‡
Technical/ Prudential Write-offs
iv) „œ¸¡¸ºÄÆ÷¸ (iii) ˆÅ¸½ Ž¸½”õˆÅ£ ¤¸’Ã’½ ‰¸¸÷¸½ Ÿ¸Ê ”¸¥¸½ Š¸‡ 227
Write-offs other than those under (iii)
above
œÏ¸¨¸š¸¸›¸ (‚¬˜¸¸¡¸ú œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸½ Ž¸½”õˆÅ£)^
Provisions (excluding Floating Provisions)^
š¸¸¢£÷¸ œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸ œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ 4,977 333 2,168 6,974 9,475 14,452
Opening balance of provisions held
¸¸½”õÊÀ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢ˆÅ‡ Š¸‡ ›¸‡ œÏ¸¨¸š¸¸›¸ 4,064
Add: Fresh provisions made during the year
‹¸’¸‡¿À ¢£¨¸¬¸Ä ¢ˆÅ¡¸½ Š¸¡¸½ ‚¸¢š¸Æ¡¸ œÏ¸¨¸š¸¸›¸/ ¤¸’Ã’½ ‰¸¸÷¸½ ”¸¥¸½ 5,266
Š¸¡¸½ †µ¸
Less: Excess provision reversed/ Write-off loans
š¸¸¢£÷¸ œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸ ‚¿¢÷¸Ÿ¸ ©¸½«¸ 4,817 1,441 2,648 4,184 8,273 13,090
Closing balance of provisions held
¢›¸¨¸¥¸ ‡›¸œ¸ú‡ / Net NPAs
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ 674 821 0 1,495
Opening Balance
¸¸½”õÊÀ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ›¸‡ œ¸¢£¨¸š¸Ä›¸ 1,060
Add: Fresh additions during the year
‹¸’¸‡¿À ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú 1,911
Less: Reductions during the year
‚¿¢÷¸Ÿ¸ ©¸½«¸ / Closing Balance 612 32 0 644 644

‚¬˜¸¸¡¸ú œÏ¸¨¸š¸¸›¸
Floating Provisions
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ ©¸»›¡¸ / Nil
Opening Balance
¸¸½”õÊÀ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢ˆÅ¡¸½ Š¸¡¸½ ‚¢÷¸¢£Æ÷¸ œÏ¸¨¸š¸¸›¸ ©¸»›¡¸ / Nil
Add: Additional provisions made during the year
‹¸’¸‡¿À ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ ˆÅú Š¸ƒÄ £¸¢©¸ ©¸»›¡¸ / Nil
Less: Amount drawn down during the year
‚¦¬˜¸£ œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚¿¢÷¸Ÿ¸ ©¸½«¸ ©¸»›¡¸ / Nil
Closing balance of floating provisions

356 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
Ÿ¸¸›¸ˆÅ ‚›¸¸ÄˆÅ
Standard Non-performing

ˆºÅ¥¸ Ÿ¸¸›¸ˆÅ ˆºÅ¥¸ ‚›¸¸ÄˆÅ

¢¨¸¨¸£µ¸ ˆºÅ¥¸
‚¢ŠÏŸ¸ (‚) ‚¨¸-Ÿ¸¸›¸ˆÅ ‚¢ŠÏŸ¸ (‚¸)
Particulars ¬¸¿¢™Šš¸ í¸¢›¸ (‚+‚¸)
Total Total Non-
Sub- Total
Standard Doubtful Loss Performing
standard (A+B)
Advances Advances
(A) (B)
÷¸ˆÅ›¸úˆÅú ³Åœ¸ ¬¸½ ¤¸’Ã’½ ‰¸¸÷¸½ ”¸¥¸½ Š¸‡ ‚¸¾£ „›¸¬¸½ ˆÅú
Š¸ƒÄ ¨¸¬¸»¥¸ú
Technical write-offs and the recoveries made
thereon
÷¸ˆÅ›¸úˆÅú/ ¢¨¸¨¸½ˆÅœ¸»µ¸Ä ÷¸£úˆ½Å ¬¸½ ¤¸’Ã’½ ‰¸¸÷¸½ Ÿ¸Ê ”¸¥¸½ Š¸‡ ‰¸¸÷¸¸Ê 61,737
ˆÅ¸ œÏ¸£¿¢ž¸ˆÅ ©¸½«¸
Opening balance of Technical/ Prudential
written-off accounts

¸¸½”õÊÀ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ÷¸ˆÅ›¸úˆÅú/ ¢¨¸¨¸½ˆÅœ¸»µ¸Ä ÷¸£úˆ½Å ¬¸½ ¤¸’Ã’½ 2,758
‰¸¸÷¸½ Ÿ¸Ê ”¸¥¸½ Š¸‡
Add: Technical/ Prudential write-offs during the
year
‹¸’¸‡¿À ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢œ¸Ž¥¸½ ÷¸ˆÅ›¸úˆÅú/ ¢¨¸¨¸½ˆÅœ¸»µ¸Ä ÷¸£úˆ½Å ¬¸½ 2,598@
¤¸’Ã’½ ‰¸¸÷¸½ ”¸¥¸½ Š¸‡ ‰¸¸÷¸¸½¿ Ÿ¸Ê íºƒÄ ¨¸¬¸»¥¸ú
Less: Recoveries made from previously
technical/ prudential written-off accounts during
the year
‚¿¢÷¸Ÿ¸ ©¸½«¸ Closing balance 61,897
@ - ¢¨¸¢›¸Ÿ¸¡¸ ‚¿÷¸£ (¢›¸¨¸¥¸) / @ - Exchange differences (net)
^ ¢£¸¨¸Ä ¤¸ÿˆÅ ˆ½Å Ÿ¸¸¾¸»™¸ ¢™©¸¸¢›¸™½Ä©¸¸Ê Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ ˆ½Å ‚›¸º¬¸£µ¸ Ÿ¸Ê ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ¢›¸¨¸¥¸ ‡›¸œ¸ú‡ ˆÅú Š¸µ¸›¸¸ Ÿ¸Ê ‡›¸œ¸ú¨¸ú ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ ˆÅ¸½ ©¸¸¢Ÿ¸¥¸ ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
^ Pursuant to change in extant RBI guidelines, provision for NPV is excluded for the purpose of computation of Net NPA for FY2023-24

›¸¸½’À 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ›¸½ ‚¸ƒÄ‚¸£‡¬¸ú Ÿ¸¸›¸™¿”¸Ê ¬¸½ ‚¢š¸ˆÅ ˆÅ¸ ‚¢÷¸¢£Æ÷¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ í¾.
Note: During financial year ended March 31, 2024, Bank has made additional provision of over and above the IRAC norms.

31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ‚¢ŠÏŸ¸¸Ê ‚¸¾£ š¸¸¢£÷¸ œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸ ¨¸Š¸úĈţµ¸

Classification of advances and provisions held as on March 31, 2023

(` ˆÅ£¸½”õ) / (` Crore)
Ÿ¸¸›¸ˆÅ ‚›¸¸ÄˆÅ
Standard Non-performing

ˆºÅ¥¸ Ÿ¸¸›¸ˆÅ ˆºÅ¥¸ ‚›¸¸ÄˆÅ

¢¨¸¨¸£µ¸ ˆºÅ¥¸
‚¢ŠÏŸ¸ (‚) ‚¨¸-Ÿ¸¸›¸ˆÅ ‚¢ŠÏŸ¸ (‚¸)
Particulars ¬¸¿¢™Šš¸ í¸¢›¸ (‚+‚¸)
Total Total Non-
Sub- Total
Standard Doubtful Loss Performing
standard (A+B)
Advances Advances
(A) (B)

¬¸ˆÅ¥¸ Ÿ¸¸›¸ˆÅ ‚¢ŠÏŸ¸ ‡¨¸¿ ‡›¸œ¸ú‡

Gross Standard Advances & NPA

œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening Balance 1,35,091 1,167 10,402 22,546 34,115 1,69,206

dm{f©H$ [anmoQ>© Annual Report 2023-24 357

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
Ÿ¸¸›¸ˆÅ ‚›¸¸ÄˆÅ
Standard Non-performing

ˆºÅ¥¸ Ÿ¸¸›¸ˆÅ ˆºÅ¥¸ ‚›¸¸ÄˆÅ

¢¨¸¨¸£µ¸ ˆºÅ¥¸
‚¢ŠÏŸ¸ (‚) ‚¨¸-Ÿ¸¸›¸ˆÅ ‚¢ŠÏŸ¸ (‚¸)
Particulars ¬¸¿¢™Šš¸ í¸¢›¸ (‚+‚¸)
Total Total Non-
Sub- Total
Standard Doubtful Loss Performing
standard (A+B)
Advances Advances
(A) (B)

¸¸½”õÊ À ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ 3,750

Add: Additions during the year

‹¸’¸‡¿ À ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú 26,896

Less: Reductions during the year

‚¿¢÷¸Ÿ¸ ©¸½«¸ / Closing Balance 1,61,073 1,006 2,989 6,974 10,969 1,72,042

¬¸ˆÅ¥¸ ‡›¸œ¸ú‡ Ÿ¸Ê ˆÅŸ¸ú ˆ½Å ˆÅ¸£µ¸À

Reductions in Gross NPAs due to:

i) „››¸¡¸›¸ 801
Up-gradation

ii) ¨¸¬¸»¢¥¸¡¸¸¿ (‚œ¸ŠÏ½” ‰¸¸÷¸¸½¿ ¬¸½ íºƒÄ ¨¸¬¸»¥¸ú ˆÅ¸½ Ž¸½”õˆÅ£) 4,169
Recoveries (excluding recoveries from
upgraded accounts)

iii) ÷¸ˆÅ›¸úˆÅú/ ¢¨¸¨¸½ˆÅœ¸»µ¸Ä ÷¸£úˆ½Å ¬¸½ ¤¸’Ã’½ ‰¸¸÷¸½ Ÿ¸Ê ”¸¥¸½ 18,950
Š¸‡
Technical/ Prudential Write-offs

iv) „œ¸¡¸ºÄÆ÷¸ (iii) ˆÅ¸½ Ž¸½”õˆÅ£ ¤¸’Ã’½ ‰¸¸÷¸½ Ÿ¸Ê ”¸¥¸½ Š¸‡ 2,976
Write-offs other than those under (iii)
above

œÏ¸¨¸š¸¸›¸ (‚¬˜¸¸¡¸ú œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸½ Ž¸½”õˆÅ£)^

Provisions (excluding Floating Provisions)^

š¸¸¢£÷¸ œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸ œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ 3,071 207 9,498 22,546 32,251 35,322
Opening balance of provisions held

¸¸½”õÊÀ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢ˆÅ‡ Š¸‡ ›¸‡ œÏ¸¨¸š¸¸›¸ 3,241

Add: Fresh provisions made during the year

‹¸’¸‡¿À ¢£¨¸¬¸Ä ¢ˆÅ¡¸½ Š¸¡¸½ ‚¸¢š¸Æ¡¸ œÏ¸¨¸š¸¸›¸/ ¤¸’Ã’½ ‰¸¸÷¸½ ”¸¥¸½ 26,017
Š¸¡¸½ †µ¸
Less: Excess provision reversed/ Write-off loans

š¸¸¢£÷¸ œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸ ‚¿¢÷¸Ÿ¸ ©¸½«¸ 4,977 333 2,168 6,974 9,475 14,452
Closing balance of provisions held

¢›¸¨¸¥¸ ‡›¸œ¸ú‡ / Net NPAs

358 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
Ÿ¸¸›¸ˆÅ ‚›¸¸ÄˆÅ
Standard Non-performing

ˆºÅ¥¸ Ÿ¸¸›¸ˆÅ ˆºÅ¥¸ ‚›¸¸ÄˆÅ

¢¨¸¨¸£µ¸ ˆºÅ¥¸
‚¢ŠÏŸ¸ (‚) ‚¨¸-Ÿ¸¸›¸ˆÅ ‚¢ŠÏŸ¸ (‚¸)
Particulars ¬¸¿¢™Šš¸ í¸¢›¸ (‚+‚¸)
Total Total Non-
Sub- Total
Standard Doubtful Loss Performing
standard (A+B)
Advances Advances
(A) (B)

œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ 960 904 0 1,864

Opening Balance

¸¸½”õÊÀ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ›¸‡ œ¸¢£¨¸š¸Ä›¸ 1,921

Add: Fresh additions during the year

‹¸’¸‡¿À ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú 2,290

Less: Reductions during the year

‚¿¢÷¸Ÿ¸ ©¸½«¸ / Closing Balance 674 821 0 1,495 1,495

‚¦¬˜¸£ œÏ¸¨¸š¸¸›¸
Floating Provisions

œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ ©¸»›¡¸ / Nil

Opening Balance

¸¸½”õÊÀ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢ˆÅ¡¸½ Š¸¡¸½ ‚¢÷¸¢£Æ÷¸ œÏ¸¨¸š¸¸›¸ ©¸»›¡¸ / Nil
Add: Additional provisions made during the year

‹¸’¸‡¿À ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ ˆÅú Š¸ƒÄ £¸¢©¸ ©¸»›¡¸ / Nil
Less: Amount drawn down during the year

‚¦¬˜¸£ œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸ ‚¿¢÷¸Ÿ¸ ©¸½«¸ ©¸»›¡¸ / Nil

Closing balance of floating provisions

÷¸ˆÅ›¸úˆÅú ³Åœ¸ ¬¸½ ”¸¥¸½ Š¸‡ ¤¸’Ã’½ ‰¸¸÷¸½ ‚¸¾£ „›¸Ÿ¸½¿ ¬¸½
ˆÅú Š¸ƒÄ ¨¸¬¸»¥¸ú
Technical write-offs and the recoveries made
thereon

÷¸ˆÅ›¸úˆÅú/ ¢¨¸¨¸½ˆÅœ¸»µ¸Ä ÷¸£úˆ½Å ¬¸½ ¤¸’Ã’½ ‰¸¸÷¸½ Ÿ¸Ê ”¸¥¸½ Š¸‡ ‰¸¸÷¸¸Ê 44,097
ˆÅ¸ œÏ¸£¿¢ž¸ˆÅ ©¸½«¸
Opening balance of Technical/ Prudential
written-off accounts

¸¸½”õ½À ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ÷¸ˆÅ›¸úˆÅú / ¢¨¸¨¸½ˆÅœ¸»µ¸Ä ¿Š¸ ¬¸½ ¤¸Ø½ ‰¸¸÷¸½ 18,950
”¸¥¸½ Š¸‡
Add: Technical/ Prudential write-offs during the
year

‹¸’¸‡¿À ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢œ¸Ž¥¸½ ÷¸ˆÅ›¸úˆÅú/ ¢¨¸¨¸½ˆÅœ¸»µ¸Ä ÷¸£úˆ½Å ¬¸½ 1,310@
¤¸’Ã’½ ‰¸¸÷¸½ ”¸¥¸½ Š¸‡ ‰ö¸¸÷¸¸½¿ ¬¸½ íºƒÄ ¨¸¬¸»¥¸ú
Less: Recoveries made from previously
technical/ prudential written-off accounts during
the year
‚¿¢÷¸Ÿ¸ ©¸½«¸ Closing balance 61,737

@ - ¢¨¸¢›¸Ÿ¸¡¸ ‚¿÷¸£ (¢›¸¨¸¥¸)

dm{f©H$ [anmoQ>© Annual Report 2023-24 359

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
@ - Exchange differences (net)

^ ¢£¸¨¸Ä ¤¸ÿˆÅ ˆ½Å Ÿ¸¸¾¸»™¸ ¢™©¸¸¢›¸™½Ä©¸¸Ê Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ ˆ½Å ‚›¸º¬¸£µ¸ Ÿ¸Ê ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å ¢›¸¨¸¥¸ ‡›¸œ¸ú‡ ˆÅú Š¸µ¸›¸¸ Ÿ¸Ê ‡›¸œ¸ú¨¸ú ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ ˆÅ¸½ ©¸¸¢Ÿ¸¥¸ ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
^ Pursuant to change in extant RBI guidelines, provision for NPV is excluded for the purpose of computation of Net NPA for FY2022-23

‚›¸ºœ¸¸÷¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23

Ratios FY 2023-24 FY 2022-23
¬¸ˆÅ¥¸ ‚¢ŠÏŸ¸¸½¿ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê ¬¸ˆÅ¥¸ ‡›¸œ¸ú‡ / Gross NPA to Gross Advances 4.53% 6.38%

¢›¸¨¸¥¸ ‚¢ŠÏŸ¸¸½¿ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê ¢›¸¨¸¥¸ ‡›¸œ¸ú‡ / Net NPA to Net Advances 0.34% 0.92%

œÏ¸¨¸š¸¸›¸ ˆÅ¨¸£½¸ ‚›¸ºœ¸¸÷¸ (’ú”¤¥¡¸º‚¸½ ˆÅ¸½ ©¸¸¢Ÿ¸¥¸ ˆÅ£) / Provision Coverage Ratio (including 99.09% 97.94%
TWO)

‰¸) ®¸½°¸-¨¸¸£ ‚¢ŠÏŸ¸ ‚¸¾£ ¬¸ˆÅ¥¸ ‡›¸œ¸ú‡

b) Sector-wise Advances and Gross NPAs

(` ˆÅ£¸½”õ) / (` Crore)
ÇÅ.¬¸¿ ®¸½°¸@ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
Sl. No Sector@ As at March 31, 2024 As at March 31, 2023

¢¨¸¨¸£µ¸ ¤¸ˆÅ¸¡¸¸ ¬¸ˆÅ¥¸ ‡›¸œ¸ú‡ „¬¸ ®¸½°¸ Ÿ¸Ê ˆºÅ¥¸ ¤¸ˆÅ¸¡¸¸ ˆºÅ¥¸ ¬¸ˆÅ¥¸ ‡›¸œ¸ú‡ „¬¸ ®¸½°¸ Ÿ¸Ê ˆºÅ¥¸
Particulars ˆºÅ¥¸ ‚¢ŠÏŸ¸ Gross NPAs ‚¢ŠÏŸ¸¸½¿ ˆÅú ‚¢ŠÏŸ¸ Gross NPAs ‚¢ŠÏŸ¸¸½¿ ˆÅú
Outstanding ÷¸º¥¸›¸¸ Ÿ¸Ê ¬¸ˆÅ¥¸ Outstanding ÷¸º¥¸›¸¸ Ÿ¸Ê ¬¸ˆÅ¥¸
Total Total
‡›¸œ¸ú‡ ˆÅ¸ ‡›¸œ¸ú‡ ˆÅ¸
Advances Advances
œÏ¢÷¸©¸÷¸ œÏ¢÷¸©¸÷¸
Percentage Percentage
of Gross of Gross
NPAs to Total NPAs to Total
Advances in Advances in
that sector that sector

‚ œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ œÏ¸œ÷¸ ®¸½°¸

A Priority Sector
1 22,265 1,812 8.14% 20,956 2,065 9.85%
ˆ¼Å¢«¸ ‚¸¾£ ¬¸Ÿ¤¸Ö ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸
Agriculture and allied activities

ˆ¼Å¢«¸ ‚¸¾£ ¨¸¸¢›¸ˆÅú 19,473 1,675 8.60% 19,012 1,901 10.00%

Agriculture and Forestry
2 œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ œÏ¸œ÷¸ ®¸½°¸ ˆ½Å ³Åœ¸ Ÿ¸Ê „š¸¸£ 5,790 325 5.61% 5,979 506 8.46%

ˆ½Å ¢¥¸‡ œ¸¸°¸ ‚¸¾Ô¸¸½¢Š¸ˆÅ ®¸½°¸ ˆÅ¸½

‚¢ŠÏŸ¸
Advances to industries sector
eligible as priority sector lending

¢¨¸¢›¸Ÿ¸¸Äµ¸ / Manufacturing 4,354 284 6.53% 4,383 502 11.45%

¢›¸Ÿ¸¸Äµ¸ / Construction 1,304 38 2.91% 1,486 68 4.58%

3 ¬¸½¨¸¸‡¿ / Services 20,774 880 4.24% 15,155 1,450 9.57%

˜¸¸½ˆÅ ‚¸¾£ ‰¸º™£¸ ¨¡¸¸œ¸¸£ 9,197 606 6.59% 9,490 876 9.23%
Wholesale and Retail Trade

¢£¡¸¥¸ ‡¬’½’, ¢ˆÅ£¸¡¸¸ ‚¸¾£ ¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ 881 42 4.77% 1,565 135 8.63%
ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸
Real Estate, Renting and Business
Activities

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Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
ÇÅ.¬¸¿ ®¸½°¸@ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
Sl. No Sector@ As at March 31, 2024 As at March 31, 2023

¢¨¸¨¸£µ¸ ¤¸ˆÅ¸¡¸¸ ¬¸ˆÅ¥¸ ‡›¸œ¸ú‡ „¬¸ ®¸½°¸ Ÿ¸Ê ˆºÅ¥¸ ¤¸ˆÅ¸¡¸¸ ˆºÅ¥¸ ¬¸ˆÅ¥¸ ‡›¸œ¸ú‡ „¬¸ ®¸½°¸ Ÿ¸Ê ˆºÅ¥¸
Particulars ˆºÅ¥¸ ‚¢ŠÏŸ¸ Gross NPAs ‚¢ŠÏŸ¸¸½¿ ˆÅú ‚¢ŠÏŸ¸ Gross NPAs ‚¢ŠÏŸ¸¸½¿ ˆÅú
Outstanding ÷¸º¥¸›¸¸ Ÿ¸Ê ¬¸ˆÅ¥¸ Outstanding ÷¸º¥¸›¸¸ Ÿ¸Ê ¬¸ˆÅ¥¸
Total Total
‡›¸œ¸ú‡ ˆÅ¸ ‡›¸œ¸ú‡ ˆÅ¸
Advances Advances
œÏ¢÷¸©¸÷¸ œÏ¢÷¸©¸÷¸
Percentage Percentage
of Gross of Gross
NPAs to Total NPAs to Total
Advances in Advances in
that sector that sector
4 ¨¸¾¡¸¢Æ÷¸ˆÅ †µ¸ / Personal loans 17,716 267 1.51% 17,133 237 1.38%

5 ‚›¡¸ / Others 0 0 0 - - -

„œ¸-ˆºÅ¥¸ (‚) / Sub-total (A) 66,545 3,283 4.93% 59,223 4,258 7.19%

‚¸ Š¸¾£-œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ œÏ¸œ÷¸ ®¸½°¸

B Non Priority Sector
1 ˆ¼Å¢«¸ ‚¸¾£ ¬¸Ÿ¤¸Ö ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸ 271 0 0.00% 115 0 0.00%
Agriculture and allied activities

ˆ¼Å¢«¸ ‚¸¾£ ¨¸¸¢›¸ˆÅú 215 0 0.00% 107 0 0.00%

Agriculture and Forestry
2 „Ô¸¸½Š¸ ®¸½°¸ ˆÅ¸½ ‚¢ŠÏŸ¸ 41,146 2,234 5.43% 36,051 3,846 10.67%
Advances to industries sector

¢¨¸¢›¸Ÿ¸¸Äµ¸ / Manufacturing 14,641 1,712 11.69% 15,310 2,735 17.86%

¢›¸Ÿ¸¸Äµ¸ / Construction 79 31 39.24% 123 31 25.20%

¢¤¸¸¥¸ú, Š¸¾¬¸ ‚¸¾£ œ¸¸›¸ú ˆÅú ‚¸œ¸»¢÷¸Ä 4,944 147 2.97% 6,644 737 11.09%
Electricity, Gas And Water Supply

‰¸›¸›¸ ‚¸¾£ „÷‰¸›¸›¸ 6,071 0 0.00% 2,436 0 0.00%

Mining and Quarrying
3 ¬¸½¨¸¸‡¿ / Services 9,299 549 5.90% 6,416 484 7.54%

¢¨¸î¸ú¡¸ Ÿ¸š¡¸¬˜¸÷¸¸ 2,910 330 11.34% 383 325 84.86%

Financial Intermediation

˜¸¸½ˆÅ ‚¸¾£ ‰¸º™£¸ ¨¡¸¸œ¸¸£ 2,248 84 3.74% 1,915 66 3.45%

Wholesale and Retail Trade

¢£¡¸¥¸ ‡¬’½’, ¢ˆÅ£¸¡¸¸ ‚¸¾£ ¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ 596 20 3.36% 619 14 2.26%

ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸
Real Estate, Renting and Business
Activities

œ¸¢£¨¸í›¸, ž¸¿”¸£µ¸ ‡¨¸¿ ¬¸¿¸¸£ 2,418 76 3.14% 2,186 2 0.09%

Transport
Storage & Communication

¥¸¸½ˆÅ œÏ©¸¸¬¸›¸ ‡¨¸¿ £®¸¸; ‚¢›¸¨¸¸¡¸Ä 498 0 0.00% 491 0 0.00%

¬¸¸Ÿ¸¸¢¸ˆÅ ¬¸º£®¸¸
Public Administration & Defence;
Compulsory Social Security

dm{f©H$ [anmoQ>© Annual Report 2023-24 361

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
ÇÅ.¬¸¿ ®¸½°¸@ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
Sl. No Sector@ As at March 31, 2024 As at March 31, 2023

¢¨¸¨¸£µ¸ ¤¸ˆÅ¸¡¸¸ ¬¸ˆÅ¥¸ ‡›¸œ¸ú‡ „¬¸ ®¸½°¸ Ÿ¸Ê ˆºÅ¥¸ ¤¸ˆÅ¸¡¸¸ ˆºÅ¥¸ ¬¸ˆÅ¥¸ ‡›¸œ¸ú‡ „¬¸ ®¸½°¸ Ÿ¸Ê ˆºÅ¥¸
Particulars ˆºÅ¥¸ ‚¢ŠÏŸ¸ Gross NPAs ‚¢ŠÏŸ¸¸½¿ ˆÅú ‚¢ŠÏŸ¸ Gross NPAs ‚¢ŠÏŸ¸¸½¿ ˆÅú
Outstanding ÷¸º¥¸›¸¸ Ÿ¸Ê ¬¸ˆÅ¥¸ Outstanding ÷¸º¥¸›¸¸ Ÿ¸Ê ¬¸ˆÅ¥¸
Total Total
‡›¸œ¸ú‡ ˆÅ¸ ‡›¸œ¸ú‡ ˆÅ¸
Advances Advances
œÏ¢÷¸©¸÷¸ œÏ¢÷¸©¸÷¸
Percentage Percentage
of Gross of Gross
NPAs to Total NPAs to Total
Advances in Advances in
that sector that sector
‚›¡¸ ¬¸Ÿ¸º™¸¡¸, ¬¸¸Ÿ¸¸¢¸ˆÅ ‡¨¸¿ ¨¸¾¡¸¢Æ÷¸ˆÅ 439 4 0.91% 615 5 0.81%
¬¸½¨¸¸‡¿
Other Community, Social &
Personal Services
4 ¨¸¾¡¸¢Æ÷¸ˆÅ †µ¸ 79,633 2,850 3.58% 69,580 2,381 3.42%
Personal loans
5 ‚›¡¸ / Others 0 0 0.00% 657 0 0.00%
„œ¸-ˆºÅ¥¸ (‚¸) / Sub-total (B) 1,30,349 5,633 4.32% 1,12,819 6,711 5.95%
ˆºÅ¥¸ (‚+‚¸) / TOTAL (A+B) 1,96,894 8,917 4.53% 1,72,042 10,969 6.38%

@ - „œ¸-®¸½°¸ ¸í¸¿ ¤¸ˆÅ¸¡¸¸ ‚¢ŠÏŸ¸ „¬¸ ®¸½°¸ ˆ½Å ¤¸ˆÅ¸¡¸¸ ˆºÅ¥¸ ‚¢ŠÏŸ¸¸Ê ˆ½Å 10 œÏ¢÷¸©¸÷¸ ¬¸½ ‚¢š¸ˆÅ íÿ, „›íÊ ‚¥¸Š¸ ¬¸½ œÏˆÅ’ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
@ - Sub-sectors where the outstanding advances exceed 10% of the outstanding total advances to that sector is disclosed separately..
›¸¸½’À 28 ¢™¬¸¿¤¸£ 2023 ˆ½Å ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£, œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ ®¸½°¸ ˆ½Å „Ó½©¡¸ ˆ½Å ¢¥¸‡ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆÅ¸½ ‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ „Ô¸Ÿ¸ œ¸¿¸úˆÅ£µ¸ œÏŸ¸¸µ¸œ¸°¸
(¡¸»‚¸£¬¸ú)/„Ô¸Ÿ¸ ‚¸š¸¸£ œÏŸ¸¸µ¸œ¸°¸ (¡¸»‡¬¸ú) ‚¸¨¸©¡¸ˆÅ í¾. ¤¸ÿˆÅ ›¸½ ¬¸ž¸ú œ¸¸°¸ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆ½Å ¢¥¸‡ ¡¸»‚¸£¬¸ú œÏ¸œ÷¸ ˆÅ£ ¢¥¸¡¸¸ í¾ ‚¸¾£ ˆÅ¸ûÅú ‚›¸¸¾œ¸¸¸¢£ˆÅ ¬¸»®Ÿ¸ „Ô¸Ÿ¸¸Ê (‚¸ƒÄ‡Ÿ¸ƒÄ) ˆ½Å ¢¥¸‡ ¡¸»‡¬¸ú
„÷œ¸››¸ ˆÅ£›¸½ Ÿ¸Ê ¬¸®¸Ÿ¸ £í½ íÿ. œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ ®¸½°¸ ˆ½Å ÷¸í÷¸ ‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ©¸½«¸ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê (‚¸ƒÄ‡Ÿ¸ƒÄ) ˆ½Å ¢¥¸‡ ¡¸»‡¬¸ú œÏ¸œ÷¸ ˆÅ£›¸½ ˆ½Å œÏ¡¸¸¬¸ ¸¸£ú íÿ.
Note: In terms of regulatory guidelines dated December 28, 2023, Udyam Registration certificate (URC)/ Udyam Aadhar Certificate(UAC) is required for classification
of borrowers as MSMEs for the purpose of priority sector. The bank has obtained the URC for all eligible borrowers and has been able to generate UAC for
considerable Informal Micro Enterprises (IMEs). Efforts are in progress to obtain UAC for remaining borrowers (IMEs) classified as MSMEs under priority sector
Š¸) ¬¸Ÿ¸ºÍœ¸¸£ú¡¸ ‚¸¦¬÷¸¡¸¸¿, ‡›¸œ¸ú‡ ‚¸¾£ £¸¸¬¨¸
c) Overseas Assets, NPAs and Revenue
(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023
Particulars March 31, 2024 March 31, 2023
ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸¿ / Total Assets 10,053 6,082#
ˆºÅ¥¸ ‡›¸œ¸ú‡ (¢›¸¨¸¥¸) / Total NPAs (Net) 35 Nil
ˆºÅ¥¸ £¸¸¬¨¸ / Total Revenue 1,669 578#
#
Ÿ¸¸¸Ä 2023 ˆ½Å ‚¸¿ˆÅ”õ¸Ê Ÿ¸Ê ”ú‚¸ƒÄ‡ûöŬ¸ú ©¸¸‰¸¸ ¬¸½ ¬¸¿¤¸¦›š¸÷¸ ‚¸¿ˆÅ”õ½ ©¸¸¢Ÿ¸¥¸ íÿ.
#
The figure of March 2023 includes data pertaining to DIFC branch.
›¸¸½’À ™º¤¸ƒÄ ‚¿÷¸£¸Ä«’ïú¡¸ ¢¨¸î¸ú¡¸ ˆÊÅÍ (”ú‚¸ƒÄ‡ûŬ¸ú) ©¸¸‰¸¸ ˆÅ¸½ ¤¸¿™ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¤¸¸½”Ä ˆÅú Ÿ¸¿¸»£ú ‚¸¾£ ™º¤¸ƒÄ ¢¨¸î¸ú¡¸ ¬¸½¨¸¸‡¿ œÏ¸¢š¸ˆÅ£µ¸ ׸£¸ Ÿ¸¿¸»£
¥¸¸ƒ¬¸Ê¬¸ ¨¸¸œ¸¬¸ú ˆ½Å ‚›¸ºŸ¸¸½™›¸ ˆ½Å ‚›¸º¬¸¸£, ”ú‚¸ƒÄ‡ûŬ¸ú œÏ¸¢š¸ˆÅ£µ¸ ›¸½ 22 ¢™¬¸¿¤¸£ 2023 ˆÅ¸½ œ¸¿¸úˆÅ£µ¸ ˆÅ¸½ ¨¸¸œ¸¬¸ ¥¸½›¸½ ˆÅú Ÿ¸¿¸»£ú ™½ ™ú ‚¸¾£ ÷¸™Ã›¸º¬¸¸£
22 ¢™¬¸¿¤¸£ 2023 ˆÅ¸½ ”ú‚¸ƒÄ‡ûŬ¸ú ©¸¸‰¸¸ ˆÅ¸ ‚¦¬÷¸÷¨¸ ¬¸Ÿ¸¸œ÷¸ í¸½ Š¸¡¸¸ í¾ .
Note: Pursuant to Board approval for closure of the Dubai International Financial Centre (DIFC) Branch and license
withdrawal approval granted by Dubai Financial Services Authority, DIFC authority granted it's de-registration approval
on December 22, 2023 and accordingly DIFC Branch has ceased to exist w.e.f. December 22, 2023.
‹¸) ¬¸Ÿ¸¸š¸¸›¸ ¡¸¸½¸›¸¸ ‚¸¾£ œ¸º›¸¬¸ô£¸›¸¸ ˆÅ¸ ¢¨¸¨¸£µ¸
d) Particulars of resolution plan and restructuring
(i) ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™›¸¸¿ˆÅ 07 ¸»›¸ 2019 ˆ½Å œ¸¢£œ¸°¸ ¬¸¿. ‚¸£¤¸ú‚¸ƒÄ/2018-2019/203 ”ú¤¸ú‚¸£.¬¸¿.¤¸úœ¸ú.¤¸ú¬¸ú.45/21.04.048/2018-19
ˆ½Å ‚›¸º¬¸¸£ `™¨¸¸¤¸ŠÏ¬÷¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¬¸Ÿ¸¸š¸¸›¸ ˆ½Å ¢¥¸‡ ¢¨¸¨¸½ˆÅ œ¸»µ¸Ä ¸¿¸¸' ˆ½Å ¤¸¸£½ Ÿ¸Ê œÏˆÅ’›¸.
(i) Disclosure as per RBI Circular on ‘Prudential Framework for Resolution of Stressed Assets’ Circular No: RBI/2018-
2019/203DBR.No.BP.BC.45/21.04.048/2018-19 dated June 07, 2019.

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31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ / As at March 31, 2024:
(` ˆÅ£¸½”õ) / (` Crore)
ÇÅ. ‚¸£œ¸ú ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆÅú ¦¬˜¸¢÷¸ Ÿ¸¸Ÿ¸¥¸½ ¤¸ˆÅ¸¡¸¸ ©¸½«¸ ˆºÅ¥¸ š¸¸¢£÷¸ œÏ¸¨¸š¸¸›¸ ¢¨¸¥¸¿¢¤¸÷¸ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸
¬¸¿. Status of RP Cases (‡ûŤ¸ú+‡›¸‡ûŤ¸ú) Total Provision í½÷¸º œÏ¸¨¸š¸¸›¸
Sr. Implementation O/S Balance Held (¡¸¢™ ˆÅ¸½ƒÄ í¸½)
No. (FB+NFB) Provision
for Delayed
Implementation
(if any)
1 ˆÅ¸¡¸¸Ä¦›¨¸÷¸ 22 6,325 3,835 499
Implemented
2 Š¸¾£-ˆÅ¸¡¸¸Ä¦›¨¸÷¸ 36 18,811 18,578 305
Non implemented
ˆºÅ¥¸ / Total 58 25,136 22,413 804

31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ / As at March 31, 2023:

(` ˆÅ£¸½”õ) / (` Crore)
ÇÅ. ‚¸£œ¸ú ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆÅú ¦¬˜¸¢÷¸ Ÿ¸¸Ÿ¸¥¸½ ¤¸ˆÅ¸¡¸¸ ©¸½«¸ ˆºÅ¥¸ š¸¸¢£÷¸ œÏ¸¨¸š¸¸›¸ ¢¨¸¥¸¿¢¤¸÷¸
¬¸¿. Status of RP Cases (‡ûŤ¸ú+‡›¸‡ûŤ¸ú) Total Provision ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ í½÷¸º
Sr. Implementation O/S Balance Held œÏ¸¨¸š¸¸›¸
No. (FB+NFB) (¡¸¢™ ˆÅ¸½ƒÄ í¸½)
Provision
for Delayed
Implementation
(if any)
1 ˆÅ¸¡¸¸Ä¦›¨¸÷¸ 15 4,406 2,188 533
Implemented
2 Š¸¾£-ˆÅ¸¡¸¸Ä¦›¨¸÷¸ 45 23,704 23,143 252
Non implemented
ˆºÅ¥¸ / Total 60 28,110 25,331 785

(ii) œ¸»¿¸ú ¤¸¸{¸¸£ ‡Æ¬¸œ¸¸½¸£ ¦¬˜¸¢÷¸ œ¸£ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅú¡¸ ¬¸úŸ¸¸/ œ¸¸¤¸¿™ú ¬¸½ Ž»’ œÏ¸œ÷¸ †µ¸ ˆÅ¸ ƒ¦Æ¨¸’ú Ÿ¸Ê ¬¸¿œ¸¢£¨¸÷¸Ä›¸ ˆ½Å ˆÅ¸£µ¸ ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆÅ¸
‚¢š¸ŠÏíµ¸.
Acquisitions of Equity Shares due to conversion from Debt to Equity exempted from Regulatory Ceilings/
Restrictions on Capital Market Exposure Position

¢¨¸¨¸£µ¸ œ¸º›¸¬¸ô£¸›¸¸ ˆ½Å ‚š¸ú›¸

Particulars Under Restructuring
„š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆÅú ¬¸¿‰¡¸¸ 28
31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ œ¸º›¸¬¸ô£¢¸÷¸ ‰¸¸÷¸½ Number of Borrowers
Restructured Accounts
as on March 31, 2024 ¤¸ˆÅ¸¡¸¸ £¸¢©¸ (` ˆÅ£¸½”õ) 49
Amount Outstanding (`crore)
„š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆÅú ¬¸¿‰¡¸¸ 29

31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ œ¸º›¸¬¸ô£¢¸÷¸ ‰¸¸÷¸½ Number of Borrowers

Restructured Accounts ¤¸ˆÅ¸¡¸¸ £¸¢©¸ (` ˆÅ£¸½”õ) 59
as on March 31, 2023 Amount Outstanding (` crore)

dm{f©H$ [anmoQ>© Annual Report 2023-24 363

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
Œ) ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å 18 ‚œÏ¾¥¸ 2017 ˆ½Å œ¸¢£œ¸°¸ ”ú¤¸ú‚¸£.¤¸úœ¸ú.¤¸ú¬¸ú.¬¸¿.63/21.04.018/2016-17, ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å 01 ‚œÏ¾¥¸ 2019 ˆ½Å
œ¸¢£œ¸°¸ ¬¸¿. ‚¸£¤¸ú‚¸ƒÄ/2018-19/157/”ú¤¸ú‚¸£.¤¸úœ¸ú.¤¸ú¬¸ú.¬¸¿.32/21.04.018/2018-19 ‚¸¾£ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å 11 ‚Æ÷¸»¤¸£ 2022
ˆ½Å ‚¸£¤¸ú‚¸ƒÄ/2022-23/130/”ú‚¸½‚¸£.‡¬¸ú¬¸ú.‚¸£ƒÄ¬¸ú ¬¸¿‰¡¸¸. 74/21.04.018/2022-23 ˆ½Å ‚›¸º¬¸¸£ ‚¸¦¬÷¸ ¨¸Š¸úĈţµ¸ ÷¸˜¸¸
‡›¸œ¸ú‡ ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ Ÿ¸Ê ¢¨¸¸¥¸›¸.
e) Divergence in Asset Classification and Provisioning for NPAs as per RBI Circular DBR.BP.BC.No.63/21.04.018/2016-
17 dated April 18, 2017, RBI Circular No: RBI/2018-19/157 DBR.BP.BC.No.32/21.04.018/2018-19 dated April 01,
2019 & RBI/2022-23/130 DOR.ACC.REC.No.74/21.04.018/2022-23 dated October 11, 2022

ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£, ¸í¸¿ ˆÅíú¿ ž¸ú ‚¢÷¸¢£Æ÷¸ œÏ¸¨¸š¸¸›¸ ‚¸ˆÅ¢¥¸÷¸/ ‚¢÷¸¢£Æ÷¸ ¬¸ˆÅ¥¸ ‡›¸œ¸ú‡ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ‚¢ž¸¢›¸š¸¸Ä¢£÷¸
¢ˆÅ¡¸½ ¸¸÷¸½ íÿ ¸¸½ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ¢›¸¢™Ä«’ ¬¸úŸ¸¸ ¬¸½ ‚¢š¸ˆÅ í¸Ê, ¤¸ÿˆÅ¸Ê ˆÅ¸½ ‚œ¸›¸½ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¥¸½‰¸¸ ›¸¸½’¸Ê Ÿ¸Ê, ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¨¸¸¢«¸ÄˆÅ œ¸¡¸Ä¨¸½®¸ˆÅú¡¸ œÏ¢ÇÅ¡¸¸
ˆ½Å ˆÅ¸£µ¸ ‚¸¦¬÷¸ ¨¸Š¸úĈţµ¸ ‚¸¾£ œÏ¸¨¸š¸¸›¸ Ÿ¸Ê ¢¨¸¸¥¸›¸ ˆÅ¸½ œÏˆÅ’ ˆÅ£›¸¸ ¸³£ú í¸½÷¸¸ í¾.
In terms of the RBI guidelines, banks are required to disclose the divergence in asset classification and provisioning
consequent to RBI’s annual supervisory process in their notes to accounts to the financial statements, wherever
the additional provisioning assessed/ additional gross NPAs identified by RBI exceeds the threshold specified
by RBI.

¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ‚¸¾£ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å ™¸¾£¸›¸ ‚¢ž¸¢›¸š¸¸Ä¢£÷¸ ¢¨¸¸¥¸›¸ ¢£¸¨¸Ä ¤¸ÿˆÅ ˆ½Å Ÿ¸¸¾¸»™¸ ¢™©¸¸¢›¸™½Ä©¸¸Ê Ÿ¸Ê ¨¸¢µ¸Ä÷¸ ¢£œ¸¸½¢’ôŠ¸ Ÿ¸¸›¸™¿” ˆÅ¸½
œ¸»£¸ ›¸íú¿ ˆÅ£÷¸½.
Divergence identified during FY2023-24 and FY 2022-23 did not meet the reporting criteria stipulated in extant RBI
guidelines.
¸) †µ¸ ‡Æ¬¸œ¸¸½¸£ ˆ½Å ‚¿÷¸£µ¸ ˆÅ¸ œÏˆÅ’›¸
f) Disclosure of Transfer of loan exposures

(i) ‡½¬¸½ †µ¸¸½¿ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¢¸¬¸Ÿ¸Ê ¸»ˆÅ ›¸íú¿ íºƒÄ í¾, ‚¸¾£ ¢¸›¸ˆÅ¸½ ‚¿÷¸¢£÷¸ ¡¸¸ ‚¢¸Ä÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ - ©¸»›¡¸
In respect of loans not in default that are transferred or acquired - Nil

(ii) ‚¿÷¸¢£÷¸ ¡¸¸ ‚¢¸Ä÷¸ ™¤¸¸¨¸ŠÏ¬÷¸ †µ¸¸½¿ ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê, œÏˆÅ’›¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾À
In the case of stressed loans transferred or acquired, the disclosure is as follows:

(‚) ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ™¸¾£¸›¸ ‚¿÷¸¢£÷¸/ ‚¢¸Ä÷¸ ‡¬¸‡Ÿ¸‡ ˆÅ¸ ¢¨¸¨¸£µ¸ - ©¸»›¡¸
(a) Details of SMA transferred/ acquired during FY 2023-24 - Nil

¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å ™¸¾£¸›¸ ‚¿÷¸¢£÷¸/‚¢¸Ä÷¸ ‡¬¸‡Ÿ¸‡ ˆÅ¸ ¢¨¸¨¸£µ¸ - ©¸»›¡¸
Details of SMA transferred/ acquired during FY 2022-23 – Nil

(‰¸) ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ™¸¾£¸›¸ ‚¿÷¸¢£÷¸ ‡›¸œ¸ú‡/’ú”¤¥¡¸º‚¸½ ˆÅ¸ ¢¨¸¨¸£µ¸À
(b) Details of NPAs/TWO transferred during FY2023-24:

(` ˆÅ£¸½”õ) / (` Crore)

¢¨¸¨¸£µ¸ ‡‚¸£¬¸ú ˆÅ¸½ ‚›¸ºŸ¸÷¸ ‚›¡¸ ‚¿÷¸£ú¢÷¸¡¸¸Ê ˆÅ¸½

Particulars To ARCs ‚¿÷¸£ú¢÷¸¡¸¸Ê ˆÅ¸½ To other
To permitted transferees
transferees

‰¸¸÷¸¸Ê ˆÅú ¬¸¿. / No. of accounts #11 1 ©¸»›¡¸ / Nil

‚¿÷¸¢£÷¸ †µ¸¸Ê ˆÅú ˆºÅ¥¸ Ÿ¸»¥¸ ¤¸ˆÅ¸¡¸¸ £¸¢©¸ #
1,606 138 ©¸»›¡¸ / Nil
Aggregate principal outstanding of loans transferred

‚¿÷¸¢£÷¸ †µ¸¸Ê ˆÅú ž¸¸¢£÷¸ ‚¸¾¬¸÷¸ ‚¨¸¢©¸«’ ‚¨¸¢š¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Weighted average residual tenor of the loans
transferred

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Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)

¢¨¸¨¸£µ¸ ‡‚¸£¬¸ú ˆÅ¸½ ‚›¸ºŸ¸÷¸ ‚›¡¸ ‚¿÷¸£ú¢÷¸¡¸¸Ê ˆÅ¸½

Particulars To ARCs ‚¿÷¸£ú¢÷¸¡¸¸Ê ˆÅ¸½ To other
To permitted transferees
transferees

‚¿÷¸¢£÷¸ †µ¸¸Ê ˆÅ¸ ¢›¸¨¸¥¸ ¤¸íú Ÿ¸»¥¡¸ (‚¿÷¸£µ¸ ˆ½Å ¬¸Ÿ¸¡¸) ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Net book value of loans transferred (at the time of
transfer)

¬¸ˆÅ¥¸ œÏ¢÷¸ûÅ¥¸ 417 ##

86 ©¸»›¡¸ / Nil
Aggregate consideration

œ¸»¨¸Ä¨¸÷¸úÄ ¨¸«¸¸½ô Ÿ¸Ê ‚¿÷¸¢£÷¸ ‰¸¸÷¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ¨¸¬¸»¥¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ 88 ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
‚¢÷¸¢£Æ÷¸ œÏ¢÷¸ûÅ¥¸ (œÏ¢÷¸ž¸»¢÷¸ £¬¸ú™¸Ê ¬¸½ Ÿ¸¸½¸›¸)
Additional consideration realized in respect of
accounts transferred in earlier years (Redemption
from Security Receipts)

#
ƒ¬¸Ÿ¸Ê `171 ˆÅ£¸½”õ ˆ½Å ‡Æ¬¸œ¸¸½{¸£ ¨¸¸¥¸¸ 1 ‚›¸¸ÄˆÅ ¢›¸¨¸½©¸ ‰¸¸÷¸¸ (‡›¸œ¸ú‚¸ƒÄ) ©¸¸¢Ÿ¸¥¸ í¾, ¢¸¬¸½ `43 ˆÅ£¸½”õ ˆ½Å œÏ¢÷¸ûÅ¥¸ Ÿ¸Ê ‚¿÷¸¢£÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
[`6 ˆÅ£¸½”õ ˆÅ¸ ›¸ˆÅ™ ‚¸¾£ ` 37 ˆÅ£¸½”õ ˆÅú œÏ¢÷¸ž¸»¢÷¸ £¬¸ú™].
#
Includes 1 Non-Performing Investment a/c (NPI) having exposure of ` 171 crore, transferred for consideration of ` 43
crore. [Cash ` 6 crore and Security Receipts ` 37 crore]
##
‚¿÷¸¢£÷¸ú ׸£¸ ¢¨¸¥¸¿¢¤¸÷¸ ¤¡¸¸¸ ž¸ºŠ¸÷¸¸›¸ ˆ½Å ¢¥¸‡ œÏ™î¸ `1 ˆÅ£¸½”õ ©¸¸¢Ÿ¸¥¸ í¾.
##
Includes ` 1 crore paid by transferee for delayed interest payment.
›¸¸½’À ¤¸ÿˆÅ ›¸½ ¸¸¥¸» ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ™¤¸¸¨¸ŠÏ¬÷¸ †µ¸¸Ê ˆÅú ¢¤¸ÇÅú ˆ½Å ˆÅ¸£µ¸ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê ` 231 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä À ` 618 ˆÅ£¸½”õ ) ˆÅ¸
‚¸¢š¸Æ¡¸ œÏ¸¨¸š¸¸›¸ ¢£¨¸¬¸Ä ¢ˆÅ¡¸¸ í¾.
Note: Bank has reversed excess provisions of ` 231 crore (Previous Year: ` 618 crore) to the profit and loss account on
account of sale of stressed loans during the current year.

¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ™¸¾£¸›¸ ‚¢¸Ä÷¸ †µ¸¸Ê ˆÅ¸ ¢¨¸¨¸£µ¸À

Details of loans acquired during the year FY 2023-24:
(` ˆÅ£¸½”õ) / (` Crore)

¢¨¸¨¸£µ¸ ‚¸¨¸¸¬¸ ¢¨¸î¸ ˆ¿Åœ¸¢›¸¡¸¸½¿ (‡¸‡ûŬ¸ú) ‡‚¸£¬¸ú ¬¸½

Particulars ¬¸¢í÷¸ ‡¬¸¬¸ú¤¸ú, ‚¸£‚¸£¤¸ú, From ARCs
¡¸»‡¬¸¤¸ú, ‡¬¸’ú¬¸ú¤¸ú, ”ú¬¸ú¬¸ú¤¸ú,
‡‚¸ƒÄ‡ûÅ‚¸ƒÄ, ‡¬¸‡ûŤ¸ú ‚¸¾£
‡›¸¤¸ú‡ûŬ¸ú ¬¸½
From SCBs, RRBs, UCBs,
StCBs, DCCBs, AIFIs, SFBs
and NBFCs including Housing
Finance Companies (HFCs)

‚¢¸Ä÷¸ †µ¸¸Ê ˆÅú ˆºÅ¥¸ Ÿ¸»¥¸ ¤¸ˆÅ¸¡¸¸ £¸¢©¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Aggregate principal outstanding of loans acquired

ˆºÅ¥¸ œÏ¢÷¸ûÅ¥¸ œÏ™î¸ / Aggregate consideration paid ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
‚¢¸Ä÷¸ †µ¸¸Ê ˆÅú ž¸¸¢£÷¸ ‚¸¾¬¸÷¸ ‚¨¸¢©¸«’ ‚¨¸¢š¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Weighted average residual tenor of loans acquired

dm{f©H$ [anmoQ>© Annual Report 2023-24 365

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å ™¸¾£¸›¸ ‚¿÷¸¢£÷¸ ‡›¸œ¸ú‡ ˆÅ¸ ¢¨¸¨¸£µ¸ / Details of NPAs transferred during FY2022-23:
(` ˆÅ£¸½”õ) / (` Crore)

¢¨¸¨¸£µ¸ ‡‚¸£¬¸ú ˆÅ¸½ ‚›¸ºŸ¸÷¸ ‚¿÷¸£ú¢÷¸¡¸¸Ê ˆÅ¸½ ‚›¡¸ ‚¿÷¸£ú¢÷¸¡¸¸Ê ˆÅ¸½

Particulars To ARCs To permitted To other transferees
transferees

‰¸¸÷¸¸Ê ˆÅú ¬¸‰¡¸¸ / No. of accounts 5 ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil

‚¿÷¸¢£÷¸ †µ¸¸Ê ˆÅú ˆºÅ¥¸ Ÿ¸»¥¸ ¤¸ˆÅ¸¡¸¸ £¸¢©¸ 4,428 ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Aggregate principal outstanding of loans
transferred

‚¿÷¸¢£÷¸ †µ¸¸Ê ˆÅú ž¸¸¢£÷¸ ‚¸¾¬¸÷¸ ‚¨¸¢©¸«’ ‚¨¸¢š¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Weighted average residual tenor of the
loans transferred

‚¿÷¸¢£÷¸ †µ¸¸Ê ˆÅ¸ ¢›¸¨¸¥¸ ¤¸íú Ÿ¸»¥¡¸ (‚¿÷¸£µ¸ ˆ½Å 0.00 ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
¬¸Ÿ¸¡¸)
Net book value of loans transferred (at the
time of transfer)

¬¸ˆÅ¥¸ œÏ¢÷¸ûÅ¥¸ 2,054 ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil

Aggregate consideration

œ¸»¨¸Ä¨¸÷¸úÄ ¨¸«¸¸½ô Ÿ¸Ê ‚¿÷¸¢£÷¸ ‰¸¸÷¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¨¸¬¸»¥¸ 86 ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
¢ˆÅ¡¸¸ Š¸¡¸¸ ‚¢÷¸¢£Æ÷¸ œÏ¢÷¸ûÅ¥¸ (œÏ¢÷¸ž¸»¢÷¸ £¬¸ú™¸½¿ ¬¸½
Ÿ¸¸½¸›¸)
Additional consideration realized in respect
of accounts transferred in earlier years
(Redemption from Security Receipts)

¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å ™¸¾£¸›¸ ‚¢¸Ä÷¸ †µ¸¸½¿ ˆÅ¸ ¢¨¸¨¸£µ¸ / Details of loans acquired during the year FY2022-23:
(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ ‚¸¨¸¸¬¸ ¢¨¸î¸ ˆ¿Åœ¸¢›¸¡¸¸Ê (‡¸‡ûöŬ¸ú) ‡‚¸£¬¸ú ¬¸½
Particulars ¬¸¢í÷¸ ‡¬¸¬¸ú¤¸ú, ‚¸£‚¸£¤¸ú, From ARCs
¡¸»¬¸ú¤¸ú, ‡¬¸’ú¬¸ú¤¸ú, ”ú¬¸ú¬¸ú¤¸ú,
‡‚¸ƒÄ‡ûÅ‚¸ƒÄ, ‡¬¸‡ûŤ¸ú ‚¸¾£
‡›¸¤¸ú‡ûŬ¸ú ¬¸½
From SCBs, RRBs, UCBs,
StCBs, DCCBs, AIFIs, SFBs
and NBFCs including Housing
Finance Companies (HFCs)

‚¢¸Ä÷¸ †µ¸¸Ê ˆÅú ˆºÅ¥¸ Ÿ¸»¥¸ ¤¸ˆÅ¸¡¸¸ £¸¢©¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Aggregate principal outstanding of loans acquired

ˆºÅ¥¸ œÏ¢÷¸ûÅ¥¸ œÏ™î¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil

Aggregate consideration paid

‚¢¸Ä÷¸ †µ¸¸Ê ˆÅú ž¸¸¢£÷¸ ‚¸¾¬¸÷¸ ‚¨¸¢©¸«’ ‚¨¸¢š¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Weighted average residual tenor of loans acquired

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31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¤¸ÿˆÅ ׸£¸ š¸¸¢£÷¸ œÏ¢÷¸ž¸»¢÷¸ £¬¸ú™¸Ê (‡¬¸‚¸£) ˆÅ¸½ ǽŢ”’ £½¢’¿Š¸ ‡¸Ê¢¬¸¡¸¸Ê ׸£¸ ‡½¬¸½ ‡¬¸‚¸£ ˆÅ¸½ ¬¸Ÿ¸›¸º™½¢©¸÷¸ ¨¸¬¸»¥¸ú £½¢’¿Š¸ ˆÅú ¢¨¸¢ž¸››¸
ª½¢µ¸¡¸¸Ê Ÿ¸Ê ¢¨¸÷¸£µ¸ À
The distribution of the Security Receipts (SRs) held by bank across the various categories of Recovery Ratings assigned
to such SRs by the credit rating agencies as on March 31, 2024:

¨¸¬¸»¥¸ú £½¢’¿Š¸ ¤¸ÿ” ¤¸íú ¥¸¸Š¸÷¸

Recovery Rating Band Book Cost
(` ˆÅ£¸½”õ) / (` Crore)
‚¸£‚¸£1+ / RR1+ 0

‚¸£‚¸£1 / RR1 1,425

‚¸£‚¸£2 / RR2 3

‚¸£‚¸£3 / RR3 40

‚¸£‚¸£4 / RR4 5

‚¸£‚¸£5 / RR5 59

£½¢’¿Š¸ ¥¸¸Š¸» ›¸íú¿ # / Rating not applicable# 1,323

ˆºÅ¥¸ / Total 2,855

# - ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ 8 ¨¸«¸Ä ˆ½Å ¤¸¸™ ˆÅú £½¢’¿Š¸ ¥¸¸Š¸» ›¸íú¿ í¾.
# - As per RBI guideline post 8 years Rating is not applicable.

31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¤¸ÿˆÅ ׸£¸ š¸¸¢£÷¸ œÏ¢÷¸ž¸»¢÷¸ £¬¸ú™¸Ê (‡¬¸‚¸£) ˆÅ¸½ ǽŢ”’ £½¢’¿Š¸ ‡¸Ê¢¬¸¡¸¸Ê ׸£¸ ‡½¬¸½ ‡¬¸‚¸£ ˆÅ¸½ ¬¸Ÿ¸›¸º™½¢©¸÷¸ ¨¸¬¸»¥¸ú £½¢’¿Š¸ ˆÅú ¢¨¸¢ž¸››¸
ª½¢µ¸¡¸¸Ê Ÿ¸Ê ¢¨¸÷¸£µ¸ À
The distribution of the Security Receipts (SRs) held by bank across the various categories of Recovery Ratings assigned
to such SRs by the credit rating agencies as on March 31, 2023:

¨¸¬¸»¥¸ú £½¢’¿Š¸ ¤¸ÿ” ¤¸íú ¥¸¸Š¸÷¸

Recovery Rating Band Book Cost
(` ˆÅ£¸½”õ) / (` Crore)
‚¸£‚¸£1+ / RR1+ 0

‚¸£‚¸£1 / RR1 0

‚¸£‚¸£2 / RR2 45

‚¸£‚¸£3 / RR3 0

‚¸£‚¸£4 / RR4 56

‚¸£‚¸£5 / RR5 103

£½¢’¿Š¸ ¥¸¸Š¸» ›¸íú¿ # / Rating not applicable# 2,423

ˆºÅ¥¸ / Total 2,627

# ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ 8 ¨¸«¸Ä ˆ½Å ¤¸¸™ ˆÅú £½¢’¿Š¸ ¥¸¸Š¸» ›¸íú¿ í¾. „œ¸¡¸ºÄÆ÷¸ ¬¸ž¸ú œÏ¢÷¸ž¸»¢÷¸ £¬¸ú™¸½¿ ˆ½Å ¢¥¸‡ œ¸»£¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾
‚¸¾£ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¢›¸¨¸¥¸ ¤¸íú Ÿ¸»¥¡¸ ©¸»›¡¸ ˜¸¸.
# As per RBI guideline post 8 years Rating is not applicable. All the above Security Receipts are fully provided and Net
Book value as on March 31, 2023 is Nil.

dm{f©H$ [anmoQ>© Annual Report 2023-24 367

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
Ž) ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢£œ¸¸½’Ä ¢ˆÅ‡ Š¸‡ š¸¸½‰¸¸š¸”õú ˆ½Å Ÿ¸¸Ÿ¸¥¸½ ‚¸¾£ ¢ˆÅ‡ Š¸‡ œÏ¸¨¸š¸¸›¸
g) Fraud Reported and Provision made during the Year

(` ˆÅ£¸½”õ) / (` Crore)

¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023

Particulars March 31, 2024 March 31, 2023

¢£œ¸¸½’Ä ¢ˆÅ‡ Š¸‡ š¸¸½‰¸¸š¸”õú Ÿ¸¸Ÿ¸¥¸¸½¿ ˆÅú ¬¸¿‰¡¸¸ / Number of Frauds reported #
628 $#
812

š¸¸½‰¸¸š¸”õú Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ £¸¢©¸ / Amount involved in fraud #

33 $#
4,913

‡½¬¸ú š¸¸½‰¸¸š¸¢”õ¡¸¸Ê ˆ½Å ¢¥¸‡ ˆÅú Š¸ƒÄ œÏ¸¨¸š¸¸›¸ ˆÅú £¸¢©¸ @#

28 @#
4,864
Amount of provision made for such frauds

¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê `‚›¡¸ ‚¸£¢®¸÷¸ ¢›¸¢š¸' ¬¸½ ›¸¸Ÿ¸½ ¢ˆÅ‡ Š¸‡ ‚œ¸¢£©¸¸½¢š¸÷¸ œÏ¸¨¸š¸¸›¸ ˆÅú ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
£¸¢©¸
Amount of Unamortised provision debited from ‘other reserves’ as
at the end of the year

# ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2024 Ÿ¸Ê ˆºÅ¥¸ ` 0.15 ˆÅ£¸½”õ ˆ½Å 4 Š¸¾£-¢£œ¸¸½¢’ôŠ¸ ¨¸¬¸»¥¸úˆÅ÷¸¸Ä ¤¸ÿˆÅ (‡›¸‚¸£¬¸ú¤¸ú) Ÿ¸¸Ÿ¸¥¸½ ‚¸¾£ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023 Ÿ¸Ê ˆºÅ¥¸
` 0.28 ˆÅ£¸½”õ ˆ½Å 8 Š¸¾£-¢£œ¸¸½¢’ôŠ¸ ¨¸¬¸»¥¸úˆÅ÷¸¸Ä ¤¸ÿˆÅ (‡›¸‚¸£¬¸ú¤¸ú) ¬¸¿¤¸¿š¸ú Ÿ¸¸Ÿ¸¥¸½ ©¸¸¢Ÿ¸¥¸ íÿ ¢¸›íÊ ¢™›¸¸¿ˆÅ 1 ¸º¥¸¸ƒÄ 2016 (3 ¸º¥¸¸ƒÄ 2017 ˆÅ¸½ ‚Ô¸÷¸›¸
¢ˆÅ¡¸¸ Š¸¡¸¸) ˆ½Å ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å Ÿ¸¸¬’£ ¢›¸™½Ä©¸ ¨¸¸¢µ¸¢¡¸ˆÅ ¤¸ÿˆÅ¸Ê ‡¨¸¿ ¸º¢›¸¿™¸ ¢¨¸î¸ú¡¸ ¬¸¿¬˜¸¸‚¸Ê ׸£¸ š¸¸½‰¸¸š¸”õú-¨¸Š¸úĈţµ¸ ‚¸¾£ ¢£œ¸¸½¢’ôŠ¸ ˆ½Å ‚›¸º¬¸¸£ ¢£{¸¨¸Ä
¤¸ÿˆÅ ˆÅ¸½ ¢£œ¸¸½’Ä ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸.

# Includes 4 Non-Reporting Collecting Bank (NRCB) cases aggregating ` 0.15 crore for the FY 2024 & 8 Non-Reporting
Collecting Bank (NRCB) cases aggregating ` 0.28 crore for the FY 2023 which were not reported to RBI as per RBI
Master Directions on Frauds-Classification and Reporting by commercial banks and select FIs. July 01, 2016 (Updated
as on July 03, 2017).

$
¤¸ÿˆÅ ˆÅú ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸›¸ú ‚˜¸¸Ä÷¸Ã ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄΓ¸ ‡¿” ¢¬¸Æ¡¸¸½¢£’ú¸ ¢¥¸¢Ÿ¸’½” - ¢¨¸¥¸¸¢¬¸›¸ú ¬¸ú ¤¸ú ׸£¸ ¢£œ¸¸½’Ä ¢ˆÅ¡¸¸ Š¸¡¸¸ ˆºÅ¥¸ ¢Ÿ¸¥¸¸ˆÅ£
` 0.75 ˆÅ£¸½”õ ˆÅ¸ ‡ˆÅ Ÿ¸¸Ÿ¸¥¸¸ ©¸¸¢Ÿ¸¥¸ í¾ ¢¸¬¸½ ¢™›¸¸¿ˆÅ 1 ¸º¥¸¸ƒÄ 2016 (3 ¸º¥¸¸ƒÄ 2017 ˆÅ¸½ ‚Ô¸÷¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸) ˆ½Å ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å Ÿ¸¸¬’£ ¢›¸™½Ä©¸
¨¸¸¢µ¸¢¡¸ˆÅ ¤¸ÿˆÅ¸Ê ‡¨¸¿ ¸º¢›¸¿™¸ ¢¨¸î¸ú¡¸ ¬¸¿¬˜¸¸‚¸Ê ׸£¸ š¸¸½‰¸¸š¸”õú-¨¸Š¸úĈţµ¸ ‚¸¾£ ¢£œ¸¸½¢’ôŠ¸ ˆ½Å ‚›¸º¬¸¸£ ‡ûŇŸ¸‚¸£ ˆÅú í¸”Ä ˆÅ¸Áœ¸ú ׸£¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆÅ¸½ ¢£œ¸¸½’Ä
¢ˆÅ¡¸¸ Š¸¡¸¸.
$
Include 1 case reported by banks subsidiary i.e. IDBI Capital Markets & Securities Limited-Vilasini C B aggregating
` 0.75 crore which was reported to RBI through hard copy of FMR as per RBI Master Directions on Frauds-Classification
and Reporting by commercial banks and select FIs. July 01, 2016 (Updated as on July 03, 2017).

@ œÏ¸¨¸š¸¸›¸ ˆÅú £¸¢©¸ ¨¸¬¸»¥¸ú ˆÅ¸½ ‹¸’¸ˆÅ£ í¾.

@ Amount of provision is net of recovery.

¸) ˆÅ¸½¢¨¸”-19 ¬¸¿¤¸¿¢š¸÷¸ ™¤¸¸¨¸ ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸š¸¸›¸ ¸¿¸½ ˆ½Å ‚¿÷¸Š¸Ä÷¸ œÏˆÅ’›¸
h) Disclosure under Resolution Framework for COVID-19- related stress

``ˆÅ¸½¢¨¸”-19 ¬¸¿¤¸¿š¸ú ™¤¸¸¨¸ ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸š¸¸›¸ ¸¿¸½'' ˆ½Å ¤¸¸£½ Ÿ¸Ê ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™›¸¸¿ˆÅ 6 ‚Š¸¬÷¸ 2020 ˆ½Å œ¸¢£œ¸°¸
¬¸¿. ‚¸£¤¸ú‚¸ƒÄ/2020-21/16”ú‚¸½‚¸£.¬¸¿.¤¸úœ¸ú.¤¸ú¬¸ú/3/21.04.048/2020-21 ˆ½Å ‚›¸º¬¸¸£ œÏˆÅ’›¸.
Disclosure as per RBI circular No. RBI/2020-21/16 DOR. No. BP. BC/3/21.04.048/2020-21 dated August 6, 2020 under
“Resolution Framework for COVID-19 related stress”

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Schedules to the Financial Statements
¸) ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023 - 24 ˆ½Å ¢¥¸‡ œÏˆÅ’›¸
(i) Disclosure for FY 2023-24

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ŽŸ¸¸íú ˆ½Å ¢¥¸‡ œÏˆÅ’›¸À / Disclosure for Half Year ended March 31, 2024:
(` ˆÅ£¸½”õ) / (` Crore)
(‚) / (A) (‚¸) / (B) (ƒ) / (C) (ƒÄ) / (D) („) / (E)

„š¸¸£ˆÅ÷¸¸Ä ˆÅ¸ œÏˆÅ¸£ ¬¸Ÿ¸¸š¸¸›¸ ¡¸¸½¸›¸¸ ˆÅ¸½ (‚) Ÿ¸Ê ¬¸½ †µ¸ (‚) Ÿ¸Ê ¬¸½ ¨¸«¸Ä (‚) Ÿ¸Ê ¬¸½ ¬¸Ÿ¸¸š¸¸›¸ ¡¸¸½¸›¸¸ ˆÅ¸½
Type of Borrower ¥¸¸Š¸» ˆÅ£›¸½ ˆ½Å ¤¸¸™ ˆÅú ˆºÅ¥¸ £¸¢©¸ ˆ½Å ™¸¾£¸›¸ ¤¸’Ã’½ ŽŸ¸¸íú ˆ½Å ™¸¾£¸›¸ ¥¸¸Š¸» ˆÅ£›¸½ ˆ½Å ¤¸¸™
Ÿ¸¸›¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ¸¸½ ŽŸ¸¸íú ˆ½Å ‰¸¸÷¸½ ”¸¥¸ú Š¸ƒÄ „š¸¸£ˆÅ÷¸¸Ä ׸£¸ Ÿ¸¸›¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê
¨¸Š¸úĈ¼Å÷¸ ‰¸¸÷¸¸Ê ˆ½Å œÏ¢÷¸ ™¸¾£¸›¸ ‡›¸œ¸ú‡ £¸¢©¸ ž¸ºŠ¸÷¸¸›¸ ˆÅú Š¸ƒÄ ¨¸Š¸úĈ¼Å÷¸ ‰¸¸÷¸¸Ê ˆ½Å œÏ¢÷¸
‡Æ¬œ¸¸½¸£ - 30 ¢¬¸÷¸¿¤¸£ í¸½ Š¸ƒÄ Of (A) amount £¸¢©¸3 ‡Æ¬œ¸¸½¸£ - 31 Ÿ¸¸¸Ä
Of (A) written off Of (A) amount
2023 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ 2024, ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ƒ¬¸
aggregate during the paid by the
¢œ¸Ž¥¸ú ŽŸ¸¸íú ˆÅú year ¨¸«¸Ä ˆÅú ŽŸ¸¸íú ˆÅú
amount of borrower
¦¬˜¸¢÷¸ 1, 2 Debt that during the ¦¬˜¸¢÷¸ 1, 2
Exposure to slipped in to half year3 Exposure to
accounts classified NPA during accounts classified
as Standard the half year as Standard
consequent to consequent to
implementation of implementation of
resolution plan - resolution plan -
Position as at the Position as at the
end of the previous end of this half
half year ended year ended March
September 30, 31, 20241,2
20231, 2

¨¡¸¢Æ÷¸Š¸÷¸ †µ¸ 2,328 145 - 325 2,002

Personal Loans

ˆÅ¸Á£œ¸¸½£½’ ¨¡¸¢Æ÷¸ 155 - - 18 136

Corporate persons

ƒ›¸Ÿ¸Ê ¬¸½, ‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ 323 5 - 50 289

Of which, MSMEs

‚›¡¸ / Others 24 4 - 4 17

ˆºÅ¥¸ / Total 2,507 149 - 347 2,155

1. ƒ¬¸Ÿ¸Ê „š¸¸£ˆÅ÷¸¸Ä ˆÅú ‚›¡¸ ¬¸º¢¨¸š¸¸‡¿ ¢¸›¸ˆÅú œ¸º›¸¬¸ô£¸›¸¸ ›¸íú¿ ˆÅú Š¸ƒÄ í¾, ©¸¸¢Ÿ¸¥¸ ›¸íú¿ í¾.
This excludes the other facilities to the borrower which have not been restructured.
2. Ÿ¸¸›¸ˆÅ ‰¸¸÷¸¸Ê ˆÅú ¢›¸¢š¸ ‚¸š¸¸¢£÷¸ ¤¸ˆÅ¸¡¸¸ £¸¢©¸ ƒ¿¢Š¸÷¸ ˆÅ£÷¸¸ í¾.
Represents fund based outstanding balances of standard accounts.
3. „š¸¸£ˆÅ÷¸¸Ä ˆ½Å †µ¸ ‰¸¸÷¸½ Ÿ¸Ê ǽŢ”’ ƒ¿¢Š¸÷¸ ˆÅ£÷¸¸ í¾.
Represents credits to the loan account of the borrower.

dm{f©H$ [anmoQ>© Annual Report 2023-24 369

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
30 ¢¬¸÷¸¿¤¸£ 2023 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ŽŸ¸¸íú ˆ½Å ¢¥¸‡ œÏˆÅ’›¸À / Disclosure for Half Year ended September 30, 2023:
(` ˆÅ£¸½”õ) / (` Crore)
(‚) / (A) (‚¸) / (B) (ƒ) / (C) (ƒÄ) / (D) („) / (E)

„š¸¸£ˆÅ÷¸¸Ä œÏˆÅ¸£ ¬¸Ÿ¸¸š¸¸›¸ ¡¸¸½¸›¸¸ ˆÅ¸½ (‚) Ÿ¸Ê ¬¸½ †µ¸ (‚) Ÿ¸Ê ¬¸½ ¨¸«¸Ä (‚) Ÿ¸Ê ¬¸½ ¬¸Ÿ¸¸š¸¸›¸ ¡¸¸½¸›¸¸ ˆÅ¸½
Type of Borrower ¥¸¸Š¸» ˆÅ£›¸½ ˆ½Å ¤¸¸™ ˆÅú ˆºÅ¥¸ £¸¢©¸ ˆ½Å ™¸¾£¸›¸ ¤¸’Ã’½ ŽŸ¸¸íú ˆ½Å ™¸¾£¸›¸ ¥¸¸Š¸» ˆÅ£›¸½ ˆ½Å ¤¸¸™
Ÿ¸¸›¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ¸¸½ ŽŸ¸¸íú ˆ½Å ‰¸¸÷¸½ ”¸¥¸ú Š¸ƒÄ „š¸¸£ˆÅ÷¸¸Ä ׸£¸ Ÿ¸¸›¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê
¨¸Š¸úĈ¼Å÷¸ ‰¸¸÷¸¸Ê ˆ½Å ™¸¾£¸›¸ ‡›¸œ¸ú‡ £¸¢©¸ ž¸ºŠ¸÷¸¸›¸ ˆÅú Š¸ƒÄ ¨¸Š¸úĈ¼Å÷¸ ‰¸¸÷¸¸Ê ˆ½Å œÏ¢÷¸
œÏ¢÷¸ ‡Æ¬œ¸¸½¸£ - 31 í¸½ Š¸ƒÄ Of (A) amount £¸¢©¸3 ‡Æ¬œ¸¸½¸£ - 30 ¢¬¸÷¸¿¤¸£
Of (A) written off Of (A) amount
Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ 2023, ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ƒ¬¸
aggregate during the paid by the
¢œ¸Ž¥¸ú ŽŸ¸¸íú ˆÅú year ¨¸«¸Ä ˆÅú ŽŸ¸¸íú ˆÅú
amount of borrower
¦¬˜¸¢÷¸ 1, 2 Debt that during the ¦¬˜¸¢÷¸ 1, 2
Exposure to slipped in to half year3 Exposure to
accounts classified NPA during accounts classified
as Standard the half year as Standard
consequent to consequent to
implementation of implementation
resolution plan - of resolution plan
Position as at the - Position as at
end of the previous the end of this
half year ended half year ended
March 31, 20231, 2 September 30,
20231, 2

¨¡¸¢Æ÷¸Š¸÷¸ †µ¸ 2,436 87 - 273 2,328

Personal Loans

ˆÅ¸Á£œ¸¸½£½’ ¨¡¸¢Æ÷¸ 161 - - 8 155

Corporate persons

ƒ›¸Ÿ¸Ê ¬¸½, ‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ 340 5 - 49 323

Of which, MSMEs

‚›¡¸ / Others 40 7 - 11 24

ˆºÅ¥¸ / Total 2,637 94 - 292 2,507

1. ƒ¬¸Ÿ¸Ê „š¸¸£ˆÅ÷¸¸Ä ˆÅú ‚›¡¸ ¬¸º¢¨¸š¸¸‡¿ ¢¸›¸ˆÅú œ¸º›¸¬¸ô£¸›¸¸ ›¸íú¿ ˆÅú Š¸ƒÄ í¾, ©¸¸¢Ÿ¸¥¸ ›¸íú¿ í¾.
This excludes the other facilities to the borrower which have not been restructured.

2. Ÿ¸¸›¸ˆÅ ‰¸¸÷¸¸Ê ˆÅú ¢›¸¢š¸ ‚¸š¸¸¢£÷¸ ¤¸ˆÅ¸¡¸¸ £¸¢©¸ ƒ¿¢Š¸÷¸ ˆÅ£÷¸¸ í¾.
Represents fund based outstanding balances of standard accounts.

3. „š¸¸£ˆÅ÷¸¸Ä ˆ½Å †µ¸ ‰¸¸÷¸½ Ÿ¸Ê ǽŢ”’ ƒ¿¢Š¸÷¸ ˆÅ£÷¸¸ í¾.

Represents credits to the loan account of the borrower.

370 Friendship That

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 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
(ii) ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å ¢¥¸‡ œÏˆÅ’›¸ / Disclosure for FY 2022-23
31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ŽŸ¸¸íú ˆ½Å ¢¥¸‡ œÏˆÅ’›¸À / Disclosure for Half Year ended March 31, 2023:
(` ˆÅ£¸½”õ) / (` Crore)
(‚) / (A) (‚¸) / (B) (ƒ) / (C) (ƒÄ) / (D) („) / (E)

„š¸¸£ˆÅ÷¸¸Ä ˆÅ¸ œÏˆÅ¸£ ¬¸Ÿ¸¸š¸¸›¸ ¡¸¸½¸›¸¸ ˆÅ¸½ (‚) Ÿ¸Ê ¬¸½ †µ¸ (‚) Ÿ¸Ê ¬¸½ (‚) Ÿ¸Ê ¬¸½ ¬¸Ÿ¸¸š¸¸›¸ ¡¸¸½¸›¸¸ ˆÅ¸½
Type of Borrower ¥¸¸Š¸» ˆÅ£›¸½ ˆ½Å ¤¸¸™ ˆÅú ˆºÅ¥¸ £¸¢©¸ ŽŸ¸¸íú ˆ½Å ™¸¾£¸›¸ ŽŸ¸¸íú ˆ½Å ™¸¾£¸›¸ ¥¸¸Š¸» ˆÅ£›¸½ ˆ½Å ¤¸¸™
Ÿ¸¸›¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ¸¸½ ŽŸ¸¸íú ˆ½Å ¤¸’Ã’½ ‰¸¸÷¸½ „š¸¸£ˆÅ÷¸¸Ä ׸£¸ Ÿ¸¸›¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê
¨¸Š¸úĈ¼Å÷¸ ‰¸¸÷¸¸Ê ˆ½Å œÏ¢÷¸ ™¸¾£¸›¸ ‡›¸œ¸ú‡ ”¸¥¸ú Š¸ƒÄ £¸¢©¸ ž¸ºŠ¸÷¸¸›¸ ˆÅú Š¸ƒÄ ¨¸Š¸úĈ¼Å÷¸ ‰¸¸÷¸¸Ê ˆ½Å œÏ¢÷¸
‡Æ¬œ¸¸½¸£ - 30 ¢¬¸÷¸¿¤¸£ í¸½ Š¸ƒÄ Of (A) amount £¸¢©¸3 ‡Æ¬œ¸¸½¸£ - 31 Ÿ¸¸¸Ä
Of (A) written off Of (A) amount
2022 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ 2023, ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ƒ¬¸
aggregate during the paid by the
¢œ¸Ž¥¸ú ŽŸ¸¸íú ˆÅú half year ¨¸«¸Ä ˆÅú ŽŸ¸¸íú ˆÅú
amount of borrower
¦¬˜¸¢÷¸ 1, 2 Debt that during the ¦¬˜¸¢÷¸ 1, 2
Exposure to slipped in to half year3 Exposure to
accounts classified NPA during accounts classified
as Standard the half year as Standard
consequent to consequent to
implementation of implementation of
resolution plan - resolution plan -
Position as at the Position as at the
end of the previous end of this half
half year ended year ended March
September 30, 31, 20231, 2
20221, 2

¨¡¸¢Æ÷¸Š¸÷¸ †µ¸ 2,654 133 - 224 2,436

Personal Loans

ˆÅ¸Á£œ¸¸½£½’ ¨¡¸¢Æ÷¸ 298 116 - 88 161

Corporate persons

ƒ›¸Ÿ¸Ê ¬¸½, ‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ 370 18 - 29 340

Of which, MSMEs

‚›¡¸ / Others 85 17 - 32 40

ˆºÅ¥¸ / Total 3,037 266 - 344 2,637

1. ƒ¬¸Ÿ¸Ê „š¸¸£ˆÅ÷¸¸Ä ˆÅú ‚›¡¸ ¬¸º¢¨¸š¸¸‡¿ ¢¸›¸ˆÅú œ¸º›¸¬¸ô£¸›¸¸ ›¸íú¿ ˆÅú Š¸ƒÄ í¾, ©¸¸¢Ÿ¸¥¸ ›¸íú¿ í¾.
This excludes the other facilities to the borrower which have not been restructured.

2. Ÿ¸¸›¸ˆÅ ‰¸¸÷¸¸Ê ˆÅú ¢›¸¢š¸ ‚¸š¸¸¢£÷¸ ¤¸ˆÅ¸¡¸¸ £¸¢©¸ ƒ¿¢Š¸÷¸ ˆÅ£÷¸¸ í¾.
Represents fund based outstanding balances of standard accounts.

3. „š¸¸£ˆÅ÷¸¸Ä ˆ½Å †µ¸ ‰¸¸÷¸½ Ÿ¸Ê ǽŢ”’ ƒ¿¢Š¸÷¸ ˆÅ£÷¸¸ í¾.

Represents credits to the loan account of the borrower.

dm{f©H$ [anmoQ>© Annual Report 2023-24 371

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
30 ¢¬¸÷¸¿¤¸£ 2022 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ŽŸ¸¸íú ˆ½Å ¢¥¸‡ œÏˆÅ’›¸ À / Disclosure for Half Year ended September 30, 2022:
(` ˆÅ£¸½”õ) / (` Crore)
(‚) / (A) (‚¸) / (B) (ƒ) / (C) (ƒÄ) / (D) („) / (E)

„š¸¸£ˆÅ÷¸¸Ä ˆÅ¸ œÏˆÅ¸£ ¬¸Ÿ¸¸š¸¸›¸ ¡¸¸½¸›¸¸ ˆÅ¸½ (‚) Ÿ¸Ê ¬¸½ †µ¸ (‚) Ÿ¸Ê ¬¸½ ¨¸«¸Ä (‚) Ÿ¸Ê ¬¸½ ¬¸Ÿ¸¸š¸¸›¸ ¡¸¸½¸›¸¸ ˆÅ¸½
Type of Borrower ¥¸¸Š¸» ˆÅ£›¸½ ˆ½Å ¤¸¸™ ˆÅú ˆºÅ¥¸ £¸¢©¸ ˆ½Å ™¸¾£¸›¸ ¤¸’Ã’½ ŽŸ¸¸íú ˆ½Å ™¸¾£¸›¸ ¥¸¸Š¸» ˆÅ£›¸½ ˆ½Å ¤¸¸™
Ÿ¸¸›¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ¸¸½ ŽŸ¸¸íú ˆ½Å ‰¸¸÷¸½ ”¸¥¸ú Š¸ƒÄ „š¸¸£ˆÅ÷¸¸Ä ׸£¸ Ÿ¸¸›¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê
¨¸Š¸úĈ¼Å÷¸ ‰¸¸÷¸¸Ê ˆ½Å ™¸¾£¸›¸ ‡›¸œ¸ú‡ £¸¢©¸ ž¸ºŠ¸÷¸¸›¸ ˆÅú Š¸ƒÄ ¨¸Š¸úĈ¼Å÷¸ ‰¸¸÷¸¸Ê ˆ½Å œÏ¢÷¸
œÏ¢÷¸ ‡Æ¬œ¸¸½¸£ - 31 í¸½ Š¸ƒÄ Of (A) amount £¸¢©¸3 ‡Æ¬œ¸¸½¸£ - 30 ¢¬¸÷¸¿¤¸£
Of (A) written off Of (A) amount
Ÿ¸¸¸Ä 2022 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ 2022, ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ƒ¬¸
aggregate during the paid by the
¢œ¸Ž¥¸ú ŽŸ¸¸íú ˆÅú year ¨¸«¸Ä ˆÅú ŽÃŸ¸¸íú ˆÅú
amount of borrower
¦¬˜¸¢÷¸ 1, 2# Debt that during the ¦¬˜¸¢÷¸ 1,2
Exposure to slipped in to half year3 Exposure to
accounts classified NPA during accounts classified
as Standard the half year as Standard
consequent to consequent to
implementation of implementation
resolution plan - of resolution plan
Position as at the - Position as at
end of the previous the end of this
half year ended half year ended
March 31, 20221, 2# September 30,
20221,2

¨¡¸¢Æ÷¸Š¸÷¸ †µ¸ 2,735 65 - 166 2,654

Personal Loans

ˆÅ¸Á£œ¸¸½£½’ ¨¡¸¢Æ÷¸ 716 387 - 87 298

Corporate persons

ƒ›¸Ÿ¸Ê ¬¸½, ‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ 408 39 - 25 370

Of which, MSMEs

‚›¡¸ / Others 198 37 - 94 85

ˆºÅ¥¸ / Total 3,649 489 - 347 3,037

# ƒ¬¸Ÿ¸Ê ¢¬¸÷¸¿¤¸£ 2021 - ¢™¬¸¿¤¸£ 2021 Ÿ¸Ê œ¸º›¸¬¸ô£¢¸÷¸ ‰¸¸÷¸½ ©¸¸¢Ÿ¸¥¸ íÿ.
# It includes accounts restructured during September 2021 – December 2021.

1. ƒ¬¸Ÿ¸Ê „š¸¸£ˆÅ÷¸¸Ä ˆÅú ‚›¡¸ ¬¸º¢¨¸š¸¸‡¿ ¢¸›¸ˆÅú œ¸º›¸¬¸ô£¸›¸¸ ›¸íú¿ ˆÅú Š¸ƒÄ í¾, ©¸¸¢Ÿ¸¥¸ ›¸íú¿ í¾.
This excludes the other facilities to the borrower which have not been restructured.
2. Ÿ¸¸›¸ˆÅ ‰¸¸÷¸¸Ê ˆÅú ¢›¸¢š¸ ‚¸š¸¸¢£÷¸ ¤¸ˆÅ¸¡¸¸ £¸¢©¸ ƒ¿¢Š¸÷¸ ˆÅ£÷¸¸ í¾
Represents fund based outstanding balances of standard accounts.
3. „š¸¸£ˆÅ÷¸¸Ä ˆ½Å †µ¸ ‰¸¸÷¸½ Ÿ¸Ê ǽŢ”’ ƒ¿¢Š¸÷¸ ˆÅ£÷¸¸ í¾.
Represents credits to the loan account of the borrower.

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 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
5. ‡Æ¬¸œ¸¸½¸£ / Exposures
(‚) ¬˜¸¸¨¸£ ¬¸¿œ¸™¸ ®¸½°¸ ˆÅ¸½ ‡Æ¬¸œ¸¸½¸£
(a) Exposure to Real Estate Sector
(` ˆÅ£¸½”õ) / (` Crore)
ª½µ¸ú 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023
Category March 31, 2024 March 31, 2023
1. œÏ÷¡¸®¸ ‡Æ¬¸œ¸¸½¸£ / Direct exposure 77,197 69,635

(ˆÅ) ‚¸¨¸¸¬¸ú¡¸ ¤¸¿š¸ˆÅ - 76,805 68,876

(a) Residential Mortgages –
‚¸¨¸¸¬¸ú¡¸ ¬¸¿œ¸¢î¸, ¸¸½ „š¸¸£ˆÅ÷¸¸Ä ˆ½Å ˆÅ¤¸½ Ÿ¸Ê í¾/í¸½Š¸ú ¡¸¸ ¢ˆÅ£¸¡¸½ œ¸£ 76,805 68,876
™ú Š¸ƒÄ í¾, œ¸£ ¤¸¿š¸ˆÅ ׸£¸ œ¸»µ¸Ä÷¸À œÏ¢÷¸ž¸»÷¸ †µ¸
Lending fully secured by mortgages on residential
property that is or will be occupied by the borrower
or that is rented
„œ¸¡¸ºÄÆ÷¸ Ÿ¸Ê ¬¸½ ‡½¬¸½ ¨¡¸¢Æ÷¸Š¸÷¸ ‚¸¨¸¸¬¸ †µ¸ ¸¸½ œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ œÏ¸œ÷¸ 16,067 16,341
®¸½°¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ©¸¸¢Ÿ¸¥¸ ¢ˆÅ‡ ¸¸›¸½ ˆ½Å œ¸¸°¸ íÿ.
Of above individual having housing loans eligible for
inclusion in priority sector advances
(‰¸) ¨¸¸¢µ¸¦¡¸ˆÅ ¬˜¸¸¨¸£ ¬¸¿œ¸™¸ ®¸½°¸ - 392 759
(b) Commercial Real Estate –
¨¸¸¢µ¸¦¡¸ˆÅ ¬¸¿œ¸™¸ ®¸½°¸ œ¸£ ¤¸¿š¸ˆÅ ׸£¸ œÏ¢÷¸ž¸»÷¸ †µ¸ 133 184
Lending secured by mortgages on commercial real
estates
„œ¸¡¸ºÄÆ÷¸ Ÿ¸Ê ¬¸½ Š¸¾£-¢›¸¢š¸ ‚¸š¸¸¢£÷¸ (‡›¸‡ûŤ¸ú) ¬¸úŸ¸¸‡¿ 65 297
Of above non-fund based (NFB) limits
(Š¸) ¤¸¿š¸ˆÅ ¬¸Ÿ¸¢˜¸Ä÷¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê (‡Ÿ¸¤¸ú‡¬¸) Ÿ¸Ê ¢›¸¨¸½©¸ ÷¸˜¸¸ ‚›¡¸ 0 0
œÏ¢÷¸ž¸»¢÷¸ˆ¼Å÷¸ ‡Æ¬¸œ¸¸½¸£ -
(c) Investments in Mortgage Backed Securities (MBS)
and other securitised exposures –
ˆÅ. ‚¸¨¸¸¬¸ú¡¸, 0 0
a. Residential,
‰¸. ¨¸¸¢µ¸¦¡¸ˆÅ ¬˜¸¸¨¸£ ¬¸¿œ¸™¸ ®¸½°¸ 0 0
b. Commercial Real Estate
2. ‚œÏ÷¡¸®¸ ‡Æ¬¸œ¸¸½¸£ / Indirect Exposure 6,463 5,323

£¸«’ïú¡¸ ‚¸¨¸¸¬¸ ¤¸ÿˆÅ (‡›¸‡¸¤¸ú) ‚¸¾£ ‚¸¨¸¸¬¸ ¢¨¸î¸ ˆ¿Åœ¸¢›¸¡¸¸Ê (‡¸‡ûŬ¸ú) 6,456 5,314
ˆÅ¸½ ¢›¸¢š¸ ‚¸š¸¸¢£÷¸ ‚¸¾£ Š¸¾£-¢›¸¢š¸ ‚¸š¸¸¢£÷¸ ‡Æ¬¸œ¸¸½¸£
Fund based and non-fund based exposures on National
Housing Bank (NHB) and Housing Finance Companies
(HFCs)
„œ¸¡¸ºÄÆ÷¸ Ÿ¸Ê ¬¸½ £¸«’ïú¡¸ ‚¸¨¸¸¬¸ ¤¸ÿˆÅ (‡›¸‡¸¤¸ú) ‚¸¾£ ‚¸¨¸¸¬¸ ¢¨¸î¸ ˆ¿Åœ¸¢›¸¡¸¸Ê 6 0
(‡¸‡ûŬ¸ú) œ¸£ Š¸¾£-¢›¸¢š¸ ‚¸š¸¸¢£÷¸ ‡Æ¬¸œ¸¸½¸£
Of the above Non-fund based exposures on National
Housing Bank (NHB) and Housing Finance Companies
(HFCs)
ˆÅ¸½ƒÄ ‚›¡¸-‚œÏ÷¡¸®¸ ‡Æ¬¸œ¸¸½¸£ / Any other - Indirect Exposure 7 9

ˆºÅ¥¸ / Total 83,660 74,958

dm{f©H$ [anmoQ>© Annual Report 2023-24 373

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(‰¸) œ¸»¿¸ú ¤¸¸{¸¸£ Ÿ¸Ê ‡Æ¬œ¸¸½¸£
(b) Exposure to Capital Market

(` ˆÅ£¸½”õ) / (` Crore)
ÇÅ. ¬¸¿. ¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023
Sr. No. Particulars March 31, 2024 March 31, 2023

(i) ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê, œ¸¢£¨¸÷¸Ä›¸ú¡¸ ¤¸¸Áµ”¸Ê, œ¸¢£¨¸÷¸Ä›¸ú¡¸ ¢”¤¸Ê¸£¸Ê ‚¸¾£ ‡½¬¸½ 896 #
967
ƒ¦Æ¨¸’ú-„›Ÿ¸º‰¸ Ÿ¡¸»¸º‚¥¸ û¿Å”¸Ê ˆ½Å ¡¸»¢›¸’¸Ê Ÿ¸Ê ¬¸úš¸½ ¢›¸¨¸½©¸, ¢¸›¸ˆÅú Ÿ¸»¥¸
¢›¸¢š¸ ˆÅ¸½ ˆ½Å¨¸¥¸ ˆÅ¸Á£œ¸¸½£½’ †µ¸ Ÿ¸Ê ¢›¸¨¸½©¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾;
Direct investment in equity shares, convertible bonds,
convertible debentures and units of equity-oriented mutual
funds the corpus of which is not exclusively invested in
corporate debt;

(ii) ©¸½¡¸£¸Ê (‚¸ƒÄœ¸ú‚¸½/ ƒÄ¬¸¸Áœ¸ ¬¸¢í÷¸), œ¸¢£¨¸÷¸Ä›¸ú¡¸ ¤¸¸Áµ”¸Ê, œ¸¢£¨¸÷¸Ä›¸ú¡¸ 246 220
¢”¤¸Ê¸£¸Ê ‚¸¾£ ƒ¦Æ¨¸’ú „›Ÿ¸º‰¸ Ÿ¡¸»¸º‚¥¸ û¿Å”¸Ê ˆ½Å ¡¸»¢›¸’¸Ê Ÿ¸Ê ¢›¸¨¸½©¸ ˆ½Å ¢¥¸‡
¨¡¸¢Æ÷¸¡¸¸Ê ˆÅ¸½ ©¸½¡¸£¸Ê/ ¤¸¸Áµ”¸Ê / ¢”¤¸Ê¸£¸Ê ¡¸¸ ‚›¡¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅú ¸Ÿ¸¸›¸÷¸
œ¸£ ¡¸¸ ‚œÏ¢÷¸ž¸»÷¸ ‚¸š¸¸£ œ¸£ ‚¢ŠÏŸ¸;
Advances against shares/ bonds/ debentures or other
securities or on clean basis to individuals for investment
in shares (including IPOs/ ESOPs), convertible bonds,
convertible debentures, and units of equity-oriented mutual
funds;

(iii) ‚›¡¸ „Ó½©¡¸¸Ê ˆ½Å ¢¥¸‡ ‚¢ŠÏŸ¸, ¢¸›¸Ÿ¸Ê ©¸½¡¸£¸Ê ¡¸¸ œ¸¢£¨¸÷¸Ä›¸ú¡¸ ¤¸¸Áµ”¸Ê ¡¸¸ - -
œ¸¢£¨¸÷¸Ä›¸ú¡¸ ¢”¤¸Ê¸£¸Ê ¡¸¸ ƒ¦Æ¨¸’ú-„›Ÿ¸º‰¸ Ÿ¡¸»¸º‚¥¸ û¿Å”¸Ê ˆ½Å ¡¸»¢›¸’¸Ê ˆÅ¸½
œÏ¸˜¸¢Ÿ¸ˆÅ œÏ¢÷¸ž¸»¢÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾;
Advances for any other purposes where shares or
convertible bonds or convertible debentures or units of
equity oriented mutual funds are taken as primary security;

(iv) ‚›¡¸ ¢ˆÅ¬¸ú „Ó½©¡¸ ˆ½Å ¢¥¸‡ ‚¢ŠÏŸ¸, ¸¸½ ©¸½¡¸£¸Ê ¡¸¸ œ¸¢£¨¸÷¸Ä›¸ú¡¸ ¤¸¸Áµ”¸Ê ¡¸¸ - -
œ¸¢£¨¸÷¸Ä›¸ú¡¸ ¢”¤¸Ê¸£¸Ê ¡¸¸ ƒ¦Æ¨¸’ú-„›Ÿ¸º‰¸ Ÿ¡¸»¸º‚¥¸ û¿Å”¸Ê ˆ½Å ¡¸»¢›¸’¸Ê ˆÅú
¬¸¿œ¸¸¢æ¸ÄˆÅ œÏ¢÷¸ž¸»¢÷¸ ׸£¸ œÏ¢÷¸ž¸»÷¸ íÿ ‚˜¸¸Ä÷¸Ã ¢¸›¸Ÿ¸Ê ©¸½¡¸£¸Ê/ œ¸¢£¨¸÷¸Ä›¸ú¡¸
¤¸¸Áµ”¸Ê / œ¸¢£¨¸÷¸Ä›¸ú¡¸ ¢”¤¸Ê¸£¸Ê/ ƒ¦Æ¨¸’ú-„›Ÿ¸º‰¸ Ÿ¡¸»¸º‚¥¸ û¿Å”¸Ê ˆ½Å ¡¸»¢›¸’¸Ê
ˆ½Å ‚¥¸¸¨¸¸ ‚›¡¸ œÏ¸˜¸¢Ÿ¸ˆÅ œÏ¢÷¸ž¸»¢÷¸ ‚¢ŠÏŸ¸¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ¨¸£ ›¸íú¿ ˆÅ£÷¸ú í¾;
Advances for any other purpose to the extent secured by
the collateral security of shares or convertible bonds or
convertible debentures or units of equity oriented mutual
funds i.e. where the primary security other than shares/
convertible bonds/ convertible debentures/ units of equity
oriented mutual funds does not fully cover the advances;

(v) ¬’¸ÁˆÅ ¤Ï¸½ˆÅ£¸Ê ˆÅ¸½ œÏ¢÷¸ž¸»÷¸ ÷¸˜¸¸ ‚œÏ¢÷¸ž¸»÷¸ ‚¢ŠÏŸ¸ ‚¸¾£ ¬’¸ÁˆÅ ¤Ï¸½ˆÅ£¸Ê ÷¸˜¸¸ 813 509
Ÿ¸¸ˆ½ÄÅ’ Ÿ¸½ˆÅ£¸Ê ˆÅú ‚¸½£ ¬¸½ ¸¸£ú Š¸¸£¿¢’¡¸¸¿;
Secured and unsecured advances to stock brokers and
guarantees issued on behalf of stock brokers and market
makers;

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Corporate Overview Statutory Reports Financial Statements

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Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
ÇÅ. ¬¸¿. ¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023
Sr. No. Particulars March 31, 2024 March 31, 2023
(vi) ¬¸¿¬¸¸š¸›¸ ¸º’¸›¸½ ˆÅú œÏ÷¡¸¸©¸¸ Ÿ¸Ê ›¸ƒÄ ˆ¿Åœ¸¢›¸¡¸¸Ê ˆÅú ƒ¦Æ¨¸’ú Ÿ¸Ê œÏ¨¸÷¸ÄˆÅ¸Ê - -
ˆ½Å ‚¿©¸™¸›¸ ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ©¸½¡¸£¸Ê/ ¤¸¸Áµ”¸Ê/ ¢”¤¸Ê¸£¸Ê ¡¸¸ ‚›¡¸
œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅú œÏ¢÷¸ž¸»¢÷¸ œ¸£ ‚˜¸¨¸¸ ‚œÏ¢÷¸ž¸»÷¸ ‚¸š¸¸£ œ¸£ ˆÅ¸Á£œ¸¸½£½’ ˆÅ¸½
Ÿ¸¿¸»£ †µ¸;
Loans sanctioned to corporates against the security of
shares / bonds / debentures or other securities or on clean
basis for meeting promoters contribution to the equity of
new companies in anticipation of rising resources;
(vii) ‚œ¸½¢®¸÷¸ ƒ¦Æ¨¸’ú œÏ¨¸¸í/ ¢›¸Š¸ÄŸ¸ œ¸£ ˆ¿Åœ¸¢›¸¡¸¸Ê ˆÅ¸½ œ¸»£ˆÅ †µ¸; - -
Bridge loans to companies against expected equity flows/
issues;
(viii) ©¸½¡¸£¸Ê ¡¸¸ œ¸¢£¨¸÷¸Ä›¸ú¡¸ ¤¸¸Áµ”¸Ê ¡¸¸ œ¸¢£¨¸÷¸Ä›¸ú¡¸ ¢”¤¸Ê¸£¸Ê ¡¸¸ ƒ¦Æ¨¸’ú-„›Ÿ¸º‰¸ - -
Ÿ¡¸»¸º‚¥¸ û¿Å”¸Ê ˆ½Å ¡¸»¢›¸’¸Ê ˆ½Å œÏ¸˜¸¢Ÿ¸ˆÅ ¢›¸Š¸ÄŸ¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¤¸ÿˆÅ ׸£¸ ˆÅú Š¸ƒÄ
í¸Ÿ¸ú™¸£ú ¨¸¸›¸¤¸Ö÷¸¸‡¿;
Underwriting commitments taken up by the Banks in
respect of primary issue of shares or convertible bonds or
convertible debentures of units of equity oriented mutual
fund;
(ix) ¬’¸ÁˆÅ ¤Ï¸½ˆÅ£¸Ê ˆÅ¸½ Ÿ¸¸¢¸Ä›¸ ’ï½¢”¿Š¸ ˆ½Å ¢¥¸‡ ¢¨¸î¸œ¸¸½«¸µ¸; - -
Financing to stockbrokers for margin trading;
(x) „Ô¸Ÿ¸ œ¸»¿¸ú ¢›¸¢š¸¡¸¸Ê (œ¸¿¸úˆ¼Å÷¸ ‡¨¸¿ Š¸¾£-œ¸¿¸úˆ¼Å÷¸, ™¸½›¸¸Ê) Ÿ¸Ê ¬¸ž¸ú ‡Æ¬¸œ¸¸½¸£. 25 26
All Exposures to venture capital funds (both registered and
unregistered)

œ¸»¿¸ú ¤¸¸{¸¸£ Ÿ¸Ê ˆºÅ¥¸ ‡Æ¬¸œ¸¸½¸£ 1980 1722

Total Exposure to Capital Market

# œ¸¢£¨¸÷¸Ä›¸ú¡¸ ¤¸¸Áµ” ‚¸¾£ ¢”¤¸Ê¸£¸Ê ˆÅ¸½ ¨¸÷¸ÄŸ¸¸›¸ ¨¸«¸Ä Ÿ¸Ê œ¸»¿¸ú ¤¸¸{¸¸£ Ÿ¸Ê œÏ÷¡¸®¸ ‡Æ¬¸œ¸¸½¸£ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ‚¸¾£ ÷¸™Ã›¸º¬¸¸£ ¢œ¸Ž¥¸½ ¨¸«¸Ä ˆ½Å ‚¸¿ˆÅ”õ½
œ¸º›¸À ™©¸¸Ä¡¸½ Š¸¡¸½ íÿ.
# Convertible bonds and debentures have been included in direct exposure in capital markets in the current year and
accordingly previous year figure is restated.

(Š¸) ¸¸½¢‰¸Ÿ¸ ª½µ¸ú-¨¸¸£ ™½©¸ Ÿ¸Ê ‡Æ¬¸œ¸¸½¸£

(c) Risk Category Wise Country Exposure

(` ˆÅ£¸½”õ) / (` Crore)

¸¸½¢‰¸Ÿ¸ ª½µ¸ú 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
Risk Category ‡Æ¬¸œ¸¸½¸£ (¢›¸¨¸¥¸) š¸¸¢£÷¸ œÏ¸¨¸š¸¸›¸ ‡Æ¬¸œ¸¸½¸£ (¢›¸¨¸¥¸) š¸¸¢£÷¸ œÏ¸¨¸š¸¸›¸
Exposure (net) Provision held Exposure (net) Provision held
as at as at as at as at
March 31, 2024 March 31, 2024 March 31, 2023 March 31, 2023

›¸Š¸µ¡¸ / Insignificant 1,624 - 1,296 -

¢›¸Ÿ›¸ ¸¸½¢‰¸Ÿ¸ / Low Risk 405 - 2,531 -

dm{f©H$ [anmoQ>© Annual Report 2023-24 375

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)

¸¸½¢‰¸Ÿ¸ ª½µ¸ú 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
Risk Category ‡Æ¬¸œ¸¸½¸£ (¢›¸¨¸¥¸) š¸¸¢£÷¸ œÏ¸¨¸š¸¸›¸ ‡Æ¬¸œ¸¸½¸£ (¢›¸¨¸¥¸) š¸¸¢£÷¸ œÏ¸¨¸š¸¸›¸
Exposure (net) Provision held Exposure (net) Provision held
as at as at as at as at
March 31, 2024 March 31, 2024 March 31, 2023 March 31, 2023

Ÿ¸š¡¸Ÿ¸ ¢›¸Ÿ›¸ ¸¸½¢‰¸Ÿ¸/ 446 - - -

Moderately Low Risk

Ÿ¸š¡¸Ÿ¸ ¸¸½¢‰¸Ÿ¸ - - - -
Moderate Risk

Ÿ¸š¡¸Ÿ¸ „¸ ¸¸½¢‰¸Ÿ¸ - - - -

Moderately High Risk

„¸ ¸¸½¢‰¸Ÿ¸ / High Risk - - - -

‚¢÷¸ „¸ ¸¸½¢‰¸Ÿ¸ - - - -

Very High Risk

ˆºÅ¥¸ / Total 2,475 - 3,827 -

31 Ÿ¸¸¸Ä 2024 ‚¸¾£ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¢ˆÅ¬¸ú ž¸ú ™½©¸ Ÿ¸Ê ¤¸ÿˆÅ ˆÅ¸ ¢›¸¨¸¥¸ ¢›¸¢š¸ ‚¸š¸¸¢£÷¸ ‡Æ¬¸œ¸¸½¸£ ¤¸ÿˆÅ ˆÅú ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å 1% ¬¸½ ‚¢š¸ˆÅ ›¸íú¿ í¾.
Bank’s net fund based exposure to any of the countries is not more than 1% of total assets of the bank as on
March 31, 2024 and as on March 31, 2023

(‹¸) ‚œÏ¢÷¸ž¸»÷¸ ‚¢ŠÏŸ¸

(d) Unsecured Advances
(` ˆÅ£¸½”õ) / (` Crore)

¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023

Particulars March 31, 2024 March 31, 2023

¤¸ÿˆÅ ˆ½Å ˆºÅ¥¸ ‚œÏ¢÷¸ž¸»÷¸ ‚¢ŠÏŸ¸ 24,293 16,011

Total unsecured advances of the bank

„œ¸¡¸ºÄÆ÷¸ Ÿ¸Ê ¬¸½, ‚¢ŠÏŸ¸¸Ê ˆÅú £¸¢©¸¡¸¸¿ ¢¸›¸ˆ½Å ¢¥¸‡ ‚¢š¸ˆÅ¸£, ¥¸¸ƒ¬¸Ê¬¸, œÏ¸¢š¸ˆÅ¸£ ‚¸¢™ 0 0
œ¸£ œÏž¸¸£ ¸¾¬¸ú ‚Ÿ¸»÷¸Ä œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ¥¸ú Š¸ƒÄ íÿ
Out of the above, amount of advances for which intangible securities
such as charge over the rights, licenses, authority, etc. have been
taken

‡½¬¸ú ‚Ÿ¸»÷¸Ä œÏ¢÷¸ž¸»¢÷¸¡¸¸½¿ ˆÅ¸ ‚›¸ºŸ¸¸¢›¸÷¸ Ÿ¸»¥¡¸ 0 0

Estimated value of such intangible securities

(Œ) û¾ÅÆ’¢£¿Š¸ ‡Æ¬¸œ¸¸½¸£

(e) Factoring Exposures:

¢™›¸¸¿ˆÅ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¨¡¸¸œ¸¸£ œÏ¸œ¡¸ ¢”¬ˆÅ¸„¿¢’¿Š¸ ¢¬¸¬’Ÿ¸ (’ú‚¸£ƒÄ”ú‡¬¸) ¤¸ˆÅ¸¡¸¸
` 2,079 ˆÅ£¸½”õ í¾ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 1344 ˆÅ£¸½”õ ).
Trade Receivable Discounting System (TReDS) outstanding of ` 2,079 crore as at March 31, 2024 (previous year of
` 1344 crore).

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Schedules to the Financial Statements
(¸) ‚¿÷¸À-¬¸Ÿ¸»í ‡Æ¬¸œ¸¸½¸£
(f) Intra-Group Exposures

(` ˆÅ£¸½”õ) / (` Crore)

¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023

Particulars March 31, 2024 March 31, 2023

(ˆÅ) ‚¿÷¸À-¬¸Ÿ¸»í ‡Æ¬¸œ¸¸½¸£ ˆÅú ˆºÅ¥¸ £¸¢©¸ 907 2,905

(a) Total amount of intra-group exposures

(‰¸) ©¸ú«¸Ä 20 ‚¿÷¸À-¬¸Ÿ¸»í ‡Æ¬¸œ¸¸½¸£ ˆÅú ˆºÅ¥¸ £¸¢©¸@ 907 2,905

(b) Total amount of top-20 intra-group exposures @

(Š¸) „š¸¸£ˆÅ÷¸¸Ä‚¸Ê/ ŠÏ¸íˆÅ¸½¿ œ¸£ ¤¸ÿˆÅ ˆ½Å ˆºÅ¥¸ ‡Æ¬¸œ¸¸½¸£ ˆ½Å œÏ¢÷¸ ‚¿÷¸À ¬¸Ÿ¸»í 0.24% 0.93%
‡Æ¬¸œ¸¸½¸£ ˆÅ¸ œÏ¢÷¸©¸÷¸ @@
(c) Percentage of intra-group exposures to total exposure of the
Bank on borrowers/ customers @@

(‹¸) ‚¿÷¸À-¬¸Ÿ¸»í ‡Æ¬¸œ¸¸½¸£ œ¸£ ¬¸úŸ¸¸ „¥¥¸¿‹¸›¸ ˆÅ¸ ¨¸µ¸Ä›¸ ‚¸¾£ ƒ¬¸ œ¸£ ˆÅú Š¸ƒÄ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ˆÅ¸£Ä¨¸¸ƒÄ, ¡¸¢™ ˆÅ¸½ƒÄ í¸½.
(d) Details of breach of limits on intra-group exposures and
regulatory action thereon, if any.

@ - ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆÅú ˆºÅ¥¸ 09 ¬¸Ÿ¸»í ¬¸¿¬˜¸¸‡¿ íÿ ¢¸›¸Ÿ¸Ê ¤¸ÿˆÅ ˆÅú ƒ¦Æ¨¸’ú ©¸½¡¸£ š¸¸¢£÷¸¸ 20% ¬¸½ ‚¢š¸ˆÅ í¾.
@ - Total Group entities of IDBI Bank are 09 where Bank is holding more than 20% equity shareholding.
@@ - ¤¸ÿˆÅ ˆÅ¸ ˆºÅ¥¸ œÏ¢÷¸¤¸Ö ‡Æ¬¸œ¸¸½¸£
` 3,72,004 ˆÅ£¸½”õ í¾ (¢œ¸Ž¥¸½ ¨¸«¸ÄÀ ` 3,12,457 ˆÅ£¸½”õ).
@@ - Total committed exposure of Bank is ` 3,72,004 crore (Previous Year: ` 3,12,457 crore).

(Ž) ‚£¢®¸÷¸ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ‡Æ¬¸œ¸¸½¸£

(g) Unhedged Foreign Currency Exposure

¤¸ÿˆÅ, ¸¾¬¸¸ ¢ˆÅ ƒ¬¸ˆÅú †µ¸ ›¸ú¢÷¸ Ÿ¸Ê ¨¸¢µ¸Ä÷¸ í¾, ‚œ¸›¸½ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆ½Å ‚£¢®¸÷¸ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ‡Æ¬¸œ¸¸½¸£ ˆÅú ¢›¸Š¸£¸›¸ú ˆÅ£÷¸¸ í¾ ÷¸˜¸¸ ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆÅ¸½
¢¨¸¢›¸Ÿ¸¡¸ ™£ Ÿ¸Ê œÏ¢÷¸ˆ»Å¥¸ „÷¸¸£-¸õ¸¨¸ ¬¸½ í¸½›¸½ ¨¸¸¥¸ú í¸¢›¸ ˆÅ¸½ ˆÅŸ¸ ˆÅ£›¸½ ˆ½Å „Ó½©¡¸ ¬¸½ „›¸ˆ½Å ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ˆÅ¸½ £¢®¸÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¬¸»¢¸÷¸ ˆÅ£÷¸¸ í¾. ¤¸ÿˆÅ
‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ¬¸½ ‚£¢®¸÷¸ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ‡Æ¬¸œ¸¸½¸£ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚¸¨¸¢š¸ˆÅ ‚¸š¸¸£ œ¸£ ¬¸»¸›¸¸ œÏ¸œ÷¸ ˆÅ£÷¸¸ í¾ ‚¸¾£ ƒ¬¸½ ‚¸¿÷¸¢£ˆÅ ³Åœ¸ ¬¸½ ¢¨¸ˆÅ¢¬¸÷¸ œÏµ¸¸¥¸ú
Ÿ¸Ê £‰¸÷¸¸ í¾ ÷¸˜¸¸ ¢¨¸¢›¸Ÿ¸¡¸ ™£ Ÿ¸Ê ‹¸’-¤¸õ ¬¸½ í¸½›¸½ ¨¸¸¥¸½ ¬¸¿ž¸¸¢¨¸÷¸ í¸¢›¸ ˆÅú Š¸µ¸›¸¸ ˆ½Å ¢¥¸‡ ˆÅ¸¡¸Ä-œÏµ¸¸¥¸ú ˆÅ¸ ‚›¸º¬¸£µ¸ ˆÅ£÷¸¸ í¾. ƒ¬¸ ‡Æ¬¸œ¸¸½¸£ ˆ½Å œÏ¢÷¸
31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸›¸ ` 5 ˆÅ£¸½”õ ‹¸’ˆÅ£ ` 30 ˆÅ£¸½”õ í¸½ Š¸¡¸¸ í¾ ¸¤¸¢ˆÅ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸
` 35 ˆÅ£¸½”õ ˜¸¸. ¸¸½¢‰¸Ÿ¸ ˆ½Å œÏ¢÷¸ š¸¸¢£÷¸ œ¸»¿¸ú 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ` 52 ˆÅ£¸½”õ (31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ` 40 ˆÅ£¸½”õ ) ˜¸ú.
The Bank, as detailed in its Credit Policy, monitors the Unhedged Foreign Currency Exposure of its borrower and pursues
its clients to hedge their forex exposure to minimize the losses due to adverse exchange rate fluctuation. Bank obtains
information on Un-hedged Foreign Currency Exposure from its customers on a periodic basis and maintains the same in
an internally developed system and follows the methodology for computation of likely loss on account of exchange rate
movement. The provisioning for the year ending March 31, 2024 towards this exposure has decreased by ` 5 crore to
` 30 crores as compared to ` 35 crores provisioning for year ending March 31, 2023. The capital held towards the risk
stood at ` 52 crore as on March 31, 2024 (` 40 crore as on March 31, 2023).

dm{f©H$ [anmoQ>© Annual Report 2023-24 377

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
6. ¸Ÿ¸¸£¸¢©¸¡¸¸Ê, ‚¢ŠÏŸ¸¸Ê, ‡Æ¬¸œ¸¸½¸£ ÷¸˜¸¸ ‚›¸¸ÄˆÅ ‚¸¦¬÷¸¡¸¸Ê (‡›¸œ¸ú‡) ˆÅ¸ ¬¸¿ˆÊÅ͵¸
Concentration of deposits, advances, exposures and NPAs
(ˆÅ) ¸Ÿ¸¸£¸¢©¸¡¸¸Ê ˆÅ¸ ¬¸¿ˆÊÅ͵¸
(a) Concentration of Deposits
(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023
Particulars March 31, 2024 March 31, 2023
¤¸ú¬¸ ¬¸¤¸¬¸½ ¤¸”õ½ ¸Ÿ¸¸ˆÅ÷¸¸Ä‚¸Ê ˆÅú ˆºÅ¥¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ 27,936 20,540
Total Deposits of the twenty largest depositors
¤¸ÿˆÅ ˆÅú ˆºÅ¥¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ 2,77,657 2,55,490
Total Deposits of the Bank
¤¸ÿˆÅ ˆÅú ˆºÅ¥¸ ¸Ÿ¸¸£¸¢©¸¡¸¸Ê Ÿ¸Ê ¤¸ú¬¸ ¬¸¤¸¬¸½ ¤¸”õ½ ¸Ÿ¸¸ˆÅ÷¸¸Ä‚¸Ê ˆÅú ¸Ÿ¸¸£¸¢©¸¡¸¸Ê ˆÅ¸ œÏ¢÷¸©¸÷¸ 10.06% 8.04%
Percentage of Deposits of twenty largest depositors to Total
Deposits of the Bank
(‰¸) ‚¢ŠÏŸ¸¸Ê ˆÅ¸ ¬¸¿ˆÊÅ͵¸
(b) Concentration of Advances
(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023
Particulars March 31, 2024 March 31, 2023
¤¸ú¬¸ ¬¸¤¸¬¸½ ¤¸”õ½ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆÅ¸½ ˆºÅ¥¸ ‚¢ŠÏŸ¸ 48,097 43,897
Total Advances to twenty largest borrowers
ˆºÅ¥¸ ‚¢ŠÏŸ¸ 3,50,059 2,93,619
Total Advances
¤¸ÿˆÅ ˆ½Å ˆºÅ¥¸ ‚¢ŠÏŸ¸¸Ê Ÿ¸Ê ¤¸ú¬¸ ¬¸¤¸¬¸½ ¤¸”õ½ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆÅ¸½ ‚¢ŠÏŸ¸¸Ê ˆÅ¸ œÏ¢÷¸©¸÷¸ 13.74% 14.95%
Percentage of Advances to twenty largest borrowers to Total
Advances of the Bank
›¸¸½’À ˆºÅ¥¸ ‚¢ŠÏŸ¸¸Ê ˆÅú Š¸µ¸›¸¸ ǽŢ”’ ‡Æœ¸¸½¸£ ˆ½Å ‚¸š¸¸£ œ¸£ ˆÅú Š¸ƒÄ í¾, ‚˜¸¸Ä÷¸Ã ”½¢£¨¸½¢’¨¸ ‡Æ¬¸œ¸¸½¸£ ¬¸¢í÷¸ ¢›¸¢š¸ˆÅ ‚¸¾£ Š¸¾£-¢›¸¢š¸ˆÅ ¬¸úŸ¸¸‡¿, ¸í¸¿
¥¸¸Š¸» í¸½. ‡Æ¬¸œ¸¸½¸£ Š¸µ¸›¸¸ ˆ½Å ¢¥¸‡ ¬¨¸úˆ¼Å÷¸ ¬¸úŸ¸¸‡¿ ¡¸¸ ¤¸ˆÅ¸¡¸¸, ¸¸½ ž¸ú ‚¢š¸ˆÅ í¾, ˆÅ¸½ ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾. ÷¸˜¸¸¢œ¸, œ¸»£ú ÷¸£í ¬¸½ ‚¸í¢£÷¸ Ÿ¸ú¡¸¸™ú
†µ¸¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê, ¸í¸¿ ¬¨¸úˆ¼Å÷¸ ¬¸úŸ¸¸ ˆ½Å ¢ˆÅ¬¸ú ž¸ú ž¸¸Š¸ ˆ½Å œ¸º›¸À ‚¸í£µ¸ ˆÅú ˆÅ¸½ƒÄ Š¸º¿¸¸ƒ©¸ ›¸ í¸½, ¤¸ÿˆÅ ›¸½ ¤¸ˆÅ¸¡¸¸ £¸¢©¸ ˆÅ¸½ ǽŢ”’ ‡Æ¬¸œ¸¸½¸£ Ÿ¸¸›¸¸ í¾.
Note: Total Advances has been computed on the basis of credit exposure i.e. funded and non-funded limits including
derivative exposures wherever applicable. The sanctioned limits or outstanding, whichever is higher, has been reckoned
for exposure computation. However, in the case of fully drawn term loans, where there is no scope for re-drawal of any
portion of the sanctioned limit, bank has reckoned the outstanding as the credit exposure.
(Š¸) ‡Æ¬¸œ¸¸½¸£ ˆÅ¸ ¬¸¿ˆÊÅ͵¸
(c) Concentration of Exposures

(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023
Particulars March 31, 2024 March 31, 2023
¤¸ú¬¸ ¬¸¤¸¬¸½ ¤¸”õ½ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê/ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ˆºÅ¥¸ ‡Æ¬¸œ¸¸½¸£ 51,643 44,968
Total Exposure of twenty largest borrowers/customers
ˆºÅ¥¸ ‡Æ¬¸œ¸¸½¸£ 3,72,004 3,12,457
Total Exposure
„š¸¸£ˆÅ÷¸¸Ä‚¸Ê/ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ¤¸ÿˆÅ ˆ½Å ˆºÅ¥¸ ‡Æ¬¸œ¸¸½¸£ Ÿ¸Ê ¤¸ú¬¸ ¬¸¤¸¬¸½ ¤¸”õ½ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê/ 13.88% 14.39%
ŠÏ¸íˆÅ¸Ê ˆ½Å ‡Æ¬¸œ¸¸½¸£ ˆÅ¸ œÏ¢÷¸©¸÷¸
Percentage of Exposures to twenty largest borrowers/ customers to
Total Exposure of the Bank on borrowers/ customers
›¸¸½’À 1 ¸º¥¸¸ƒÄ 2015 ˆ½Å ‡Æ¬¸œ¸¸½¸£ Ÿ¸¸›¸™¿”¸Ê ˆ½Å ¤¸¸£½ Ÿ¸Ê ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å œ¸¢£œ¸°¸ ¬¸¿. ‚¸£¤¸ú‚¸ƒÄ/2015-16/70
”ú¤¸ú‚¸£.›¸¿.”ú‚¸ƒÄ‚¸£.¤¸ú¬¸ú.12/13.03.00/2015-16 ˆ½Å ‚¸š¸¸£ œ¸£.

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Schedules to the Financial Statements
Note: Based on RBI Circular No. RBI/2015-16/70 DBR.No.Dir.BC.12/13.03.00/2015-16 on Exposure Norms
dated July 1, 2015.

(‹¸) ‡›¸œ¸ú‡ ˆÅ¸ ¬¸¿ˆÊÅ͵¸

(d) Concentration of NPAs

(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023
Particulars March 31, 2024 March 31, 2023

¤¸ú¬¸ ©¸ú«¸Ä ‡›¸œ¸ú‡ ‰¸¸÷¸¸Ê ˆÅ¸½ ˆºÅ¥¸ ‡Æ¬¸œ¸¸½¸£# 2,735 4,576

Total Exposure to top twenty NPA accounts#

ˆºÅ¥¸ ¬¸ˆÅ¥¸ ‡›¸œ¸ú‡ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê ¤¸ú¬¸ ¬¸¤¸¬¸½ ¤¸”õ½ ‡›¸œ¸ú‡ ˆÅ¸½ ‡Æ¬¸œ¸¸½¸£ ˆÅ¸ œÏ¢÷¸©¸÷¸ 30.67% 41.71%
Percentage of exposures to the twenty largest NPA exposure to
total Gross NPAs.

# -------------------- / # Total Exposure includes fund based outstanding amount only.

7. ”½¢£¨¸½¢’¨¸ / Derivatives
(ˆÅ) ¨¸¸¡¸™¸ ™£ ˆÅ£¸£ / ¤¡¸¸¸ ™£ ¬¨¸¾œ¸
(a) Forward Rate Agreement/ Interest Rate Swap
(` ˆÅ£¸½”õ) / (` Crore)
ÇÅ. ¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
¬¸¿. Particulars As at March 31, 2024 As at March 31, 2023
Sr.
No.
í½¸ ¬¨¸¾œ¸ ’ï½¢”¿Š¸ ¬¨¸¾œ¸ í½¸ ¬¨¸¾œ¸ ’ï½¢”¿Š¸ ¬¨¸¾œ¸
Hedge Swaps Trading Swaps Hedge Swaps Trading Swaps
(i) ¬¨¸¾œ¸ ˆÅ£¸£¸Ê ˆÅ¸ ‚¸›¸ºŸ¸¸¢›¸ˆÅ Ÿ¸»¥¸š¸›¸@ ©¸»›¡¸ / Nil 61,230 ©¸»›¡¸ / Nil 7,073
The notional principal of swap
agreements@
(ii) ˆÅ£¸£¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¡¸¢™ ˆÅ¸„¿’£ œ¸¸’úÄ ‚œ¸›¸½ ©¸»›¡¸ / Nil 114 ©¸»›¡¸ / Nil 28
™¸¢¡¸÷¨¸ ˆ½Å ¢›¸¨¸Ä훸 Ÿ¸Ê ‚¬¸ûÅ¥¸ í¸½÷¸ú íÿ ÷¸¸½ „¬¸ˆ½Å
ˆÅ¸£µ¸ í¸½›¸½¨¸¸¥¸ú í¸¢›¸¡¸¸¿
Losses which would be incurred if
counterparties failed to fulfill their
obligations under the agreements
(iii) ¬¨¸¾œ¸ ¢›¸«œ¸¸¢™÷¸ ˆÅ£›¸½ œ¸£ ¤¸ÿˆÅ ׸£¸ ‚œ¸½¢®¸÷¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
¬¸¿œ¸¸¢æ¸ÄˆÅ œÏ¢÷¸ž¸»¢÷¸
Collateral required by the Bank upon
entering into swaps
(iv) ¬¨¸¾œ¸ ¬¸½ „÷œ¸››¸ í¸½›¸½¨¸¸¥¸½ †µ¸ ¸¸½¢‰¸Ÿ¸ ˆÅ¸ ©¸»›¡¸ / Nil ›¸ú¸½ (i) ™½‰¸Ê ©¸»›¡¸ / Nil ›¸ú¸½ (ii) ™½‰¸Ê
¬¸¿ˆ½Å͵¸ Refer (i) Below Refer (i) Below
Concentration of credit risk arising
from the swaps
(v) ¬¨¸¾œ¸ ¤¸ºˆÅ ˆÅ¸ „¢¸÷¸ Ÿ¸»¥¡¸ ©¸»›¡¸ / Nil (1) ©¸»›¡¸ / Nil (3)
The fair value of the swap book

@ ƒ¬¸Ÿ¸Ê ¢¨¸™½©¸ú ©¸¸‰¸¸ ˆ½Å ‚¸¿ˆÅ”õ½ ž¸ú ©¸¸¢Ÿ¸¥¸ íÿ / @ The figures include overseas branch also.
(i) 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 5 ©¸ú«¸Ä ˆÅ¸Á£œ¸¸½£½’ ŠÏ¸íˆÅ¸Ê ˆ½Å †µ¸ ¸¸½¢‰¸Ÿ¸ ˆÅ¸ ¬¸¿ˆ½Å›Íµ¸ (¤¸ÿˆÅ ˆÅ¸ ¨¸÷¸ÄŸ¸¸›¸ †µ¸ ‡Æ¬¸œ¸¸½¸£) ¤¸ÿˆÅ ˆ½Å ˆÅ¸Á£œ¸¸½£½’ ŠÏ¸íˆÅ¸Ê ¬¸½
ˆºÅ¥¸ ¨¸÷¸ÄŸ¸¸›¸ †µ¸ ‡Æ¬¸œ¸¸½¸£ ` 12 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 12 ˆÅ£¸½”õ ) ˆÅ¸ 100% í¾.

dm{f©H$ [anmoQ>© Annual Report 2023-24 379

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
Concentration of credit risk (Current exposure to the Bank) to top 5 corporate clients as at March 31, 2024 is at
100% of the total current exposure ` 12 crore (previous year ` 12 crore) from Corporate Clients to the Bank.

(ii) 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¨¸¾œ¸ ˆÅ¸ ¬¨¸³Åœ¸ ‚¸¾£ ƒ¬¸ˆÅú ©¸÷¸½ô ¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿÀ
The nature and terms of the Swaps on March 31, 2024 are set out below:

¬¨¸³Åœ¸ ¬¸¿‰¡¸¸ ‚¸›¸ºŸ¸¸¢›¸ˆÅ ¤¸Ê¸Ÿ¸¸ˆÄÅ ©¸÷¸½ô

Nature Nos. Ÿ¸»¥¸š¸›¸ Benchmark Terms
(` ˆÅ£¸½”õ)
Notional
Principal
(` Crore)
’ï½¢”¿Š¸ 479 30,680 ¢Ÿ¸¤¸¸½£ - ‚¸½‚¸ƒÄ‡¬¸ ¢›¸¡¸÷¸ ™½¡¸ ¤¸›¸¸Ÿ¸ œ¸¢£¨¸÷¸Ä›¸ú¡¸ œÏ¸œ¡¸
Trading MIBOR-OIS Fixed Payable v/s Float Receivable
’ï½¢”¿Š¸ 610 30,550 ¢Ÿ¸¤¸¸½£ - ‚¸½‚¸ƒÄ‡¬¸ œ¸¢£¨¸÷¸Ä›¸ú¡¸ ™½¡¸ ¤¸›¸¸Ÿ¸ ¢›¸¡¸÷¸ œÏ¸œ¡¸
Trading MIBOR-OIS Float Payable v/s Fixed Receivable
’ï½¢”¿Š¸ - - ¢Ÿ¸ûŸ½£ ¢›¸¡¸÷¸ ™½¡¸ ¤¸›¸¸Ÿ¸ œ¸¢£¨¸÷¸Ä›¸ú¡¸ œÏ¸œ¡¸
Trading MIFOR Fixed Payable v/s Float Receivable
’ï½¢”¿Š¸ - - ¢Ÿ¸ûŸ½£ œ¸¢£¨¸÷¸Ä›¸ú¡¸ ™½¡¸ ¤¸›¸¸Ÿ¸ ¢›¸¡¸÷¸ œÏ¸œ¡¸
Trading MIFOR Float Payable v/s Fixed receivable
’ï½¢”¿Š¸ - - ‡¬¸‚¸ƒÄ‚¸£‡¬¸ ¢›¸¡¸÷¸ ™½¡¸ ¤¸›¸¸Ÿ¸ œ¸¢£¨¸÷¸Ä›¸ú¡¸ œÏ¸œ¡¸
Trading SIRS Fixed Pay v/s Float Receivable
’ï½¢”¿Š¸ - - ‡¬¸‚¸ƒÄ‚¸£‡¬¸ œ¸¢£¨¸÷¸Ä›¸ú¡¸ ™½¡¸ ¤¸›¸¸Ÿ¸ ¢›¸¡¸÷¸ œÏ¸œ¡¸
Trading SIRS Float Pay v/s Fixed Receivable
’ï½¢”¿Š¸ - - ¬¸ú‚¸ƒÄ‚¸£‡¬¸ ¢›¸¡¸÷¸ ™½¡¸ ¤¸›¸¸Ÿ¸ œ¸¢£¨¸÷¸Ä›¸ú¡¸ œÏ¸œ¡¸
Trading CIRS Fixed Pay v/s Float Receivable
’ï½¢”¿Š¸ - - ¬¸ú‚¸ƒÄ‚¸£‡¬¸ œ¸¢£¨¸÷¸Ä›¸ú¡¸ ™½¡¸ ¤¸›¸¸Ÿ¸ ¢›¸¡¸÷¸ œÏ¸œ¡¸
Trading CIRS Float Pay v/s Fixed Receivable

(iii) 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¬¨¸¾œ¸ ˆÅ¸ ¬¨¸³Åœ¸ ‚¸¾£ ©¸÷¸½ô ¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿÀ
The nature and terms of the Swaps as on March 31, 2023 are set out below:

¬¨¸³Åœ¸ ¬¸¿‰¡¸¸ ‚¸›¸ºŸ¸¸¢›¸ˆÅ ¤¸Ê¸Ÿ¸¸ˆÄÅ ©¸÷¸½ô

Nature Nos. Ÿ¸»¥¸š¸›¸ Benchmark Terms
(` ˆÅ£¸½”õ)
Notional
Principal
(` Crore)
’ï½¢”¿Š¸ 112 3,548 ¢Ÿ¸¤¸¸½£ - ‚¸½‚¸ƒÄ‡¬¸ ¢›¸¡¸÷¸ ™½¡¸ ¤¸›¸¸Ÿ¸ œ¸¢£¨¸÷¸Ä›¸ú¡¸ œÏ¸œ¡¸
Trading MIBOR-OIS Fixed Payable v/s Float Receivable
’ï½¢”¿Š¸ 116 3,525 ¢Ÿ¸¤¸¸½£ - ‚¸½‚¸ƒÄ‡¬¸ œ¸¢£¨¸÷¸Ä›¸ú¡¸ ™½¡¸ ¤¸›¸¸Ÿ¸ ¢›¸¡¸÷¸ œÏ¸œ¡¸
Trading MIBOR-OIS Float Payable v/s Fixed Receivable
’ï½¢”¿Š¸ - - ¢Ÿ¸ûŸ½£ ¢›¸¡¸÷¸ ™½¡¸ ¤¸›¸¸Ÿ¸ œ¸¢£¨¸÷¸Ä›¸ú¡¸ œÏ¸œ¡¸
Trading MIFOR Fixed Payable v/s Float Receivable
’ï½¢”¿Š¸ - - ¢Ÿ¸ûŸ½£ œ¸¢£¨¸÷¸Ä›¸ú¡¸ ™½¡¸ ¤¸›¸¸Ÿ¸ ¢›¸¡¸÷¸ œÏ¸œ¡¸
Trading MIFOR Float Payable v/s Fixed Receivable
’ï½¢”¿Š¸ - - ‡¬¸‚¸ƒÄ‚¸£‡¬¸ ¢›¸¡¸÷¸ ™½¡¸ ¤¸›¸¸Ÿ¸ œ¸¢£¨¸÷¸Ä›¸ú¡¸ œÏ¸œ¡¸
Trading SIRS Fixed Pay v/s Float Receivable
’ï½¢”¿Š¸ - - ‡¬¸‚¸ƒÄ‚¸£‡¬¸ œ¸¢£¨¸÷¸Ä›¸ú¡¸ ™½¡¸ ¤¸›¸¸Ÿ¸ ¢›¸¡¸÷¸ œÏ¸œ¡¸
Trading SIRS Float Pay v/s Fixed Receivable
’ï½¢”¿Š¸ - - ¬¸ú‚¸ƒÄ‚¸£‡¬¸ ¢›¸¡¸÷¸ ™½¡¸ ¤¸›¸¸Ÿ¸ œ¸¢£¨¸÷¸Ä›¸ú¡¸ œÏ¸œ¡¸
Trading CIRS Fixed Pay v/s Float Receivable
’ï½¢”¿Š¸ - - ¬¸ú‚¸ƒÄ‚¸£‡¬¸ œ¸¢£¨¸÷¸Ä›¸ú¡¸ ™½¡¸ ¤¸›¸¸Ÿ¸ ¢›¸¡¸÷¸ œÏ¸œ¡¸
Trading CIRS Float Pay v/s Fixed Receivable

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Schedules to the Financial Statements
(iv) œ¸ú¨¸ú01 ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸½‚¸ƒÄ‡¬¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ˆÅú ¢›¸¨¸¥¸ ‰¸º¥¸ú ¦¬˜¸¢÷¸ ` 0.05 ˆÅ£¸½”õ (¢›¸¡¸÷¸ œÏ¸œ÷¸) (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 0.0028 ˆÅ£¸½”õ) ¬¸½
›¸ˆÅ¸£¸÷Ÿ¸ˆÅ í¾, ¢¸¬¸ˆÅ¸ ‚¸©¸¡¸ í¾ ¢ˆÅ ²Åœ¸¡¸¸ ‚¸½¨¸£›¸¸ƒ’ ƒ¿”½Æ¬” ¬¨¸¾œ¸ (‚¸ƒÄ‡›¸‚¸£ ‚¸½‚¸ƒÄ‡¬¸) ¨¸ÇÅ Ÿ¸Ê ‡ˆÅ ‚¸š¸¸£ ¢¤¸›™º ¨¸¼¢Ö ˆ½Å ¢¥¸‡
` 0.05 ˆÅ£¸½”õ ˆÅ¸ ¬¸¿ž¸¸¢¨¸÷¸ ›¸ºˆÅ¬¸¸›¸ í¾. ¤¸¸½”Ä ×¸£¸ ‚›¸ºŸ¸¸½¢™÷¸ ¸¸½¢‰¸Ÿ¸ ¬¸úŸ¸¸‚¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ¬¸ž¸ú ‰¸º¥¸ú ¦¬˜¸¢÷¸¡¸¸Ê ˆÅú ™¾¢›¸ˆÅ ‚¸š¸¸£ œ¸£
¢›¸Š¸£¸›¸ú ‚¸¾£ œÏ¤¸¿š¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Net open position of OIS portfolio in terms of PV01 is at negative ` 0.05 crore (receive fixed) (Previous Year
` 0.0028 crore) implying a potential loss of ` 0.05 crore for one basis point increase in the Rupee Overnight
Indexed Swap (INR OIS) curve. All the open positions are monitored and managed on a daily basis in terms of risk
limits approved by the Board.

(‰¸) ‡Æ¬¸¸½¿¸ Ÿ¸½¿ ÇÅ¡¸-¢¨¸ÇÅ¡¸ ¨¸¸¥¸½ ¤¡¸¸¸ ™£ ”½¢£¨¸½¢’¨¸

(b) Exchange Traded Interest Rate Derivatives
(` ˆÅ£¸½”õ) / (` Crore)
ÇÅ. ¬¸¿. ¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023
Sr. No. Particulars March 31, 2024 March 31, 2023
(i) ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‡Æ¬¸¸Ê¸ Ÿ¸Ê ’ï½” ¢ˆÅ¡¸½ Š¸¡¸½ ¤¡¸¸¸ ™£ ”½¢£¨¸½¢’¨¸ ˆÅú ‚¸›¸ºŸ¸¸¢›¸ˆÅ Ÿ¸»¥¸š¸›¸ £¸¢©¸
Notional principal amount of exchange traded interest rate derivatives undertaken during the year
ˆÅ) Ÿ¸ºÍ¸ É¡¸»¸£ 70,491 22,268
a) Currency Futures
‰¸) ¤¡¸¸¸ ™£ É¡¸»¸£ 364 150
b) Interest Rate Future
Š¸) ¢¨¸ˆÅ¥œ¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
c) Options
(ii) ‡Æ¬¸¸Ê¸ Ÿ¸Ê ’ï½” ¢ˆÅ¡¸½ Š¸¡¸½ ¤¡¸¸¸ ™£ ”½¢£¨¸½¢’¨¸ ˆÅú ¤¸ˆÅ¸¡¸¸ ‚¸›¸ºŸ¸¸¢›¸ˆÅ Ÿ¸»¥¸š¸›¸ £¸¢©¸
Notional principal amount of exchange traded interest rate derivatives outstanding
ˆÅ) Ÿ¸ºÍ¸ É¡¸»¸£ 3,106 2,722
a) Currency Futures

‰¸) ¤¡¸¸¸ ™£ É¡¸»¸£ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil

b) Interest Rate Future
Š¸) ¢¨¸ˆÅ¥œ¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
c) Options
(iii) ‡Æ¬¸¸Ê¸ Ÿ¸Ê ’ï½” ¢ˆÅ¡¸½ Š¸¡¸½ ¤¡¸¸¸ ™£ ”½¢£¨¸½¢’¨¸ ˆÅú ¤¸ˆÅ¸¡¸¸ ‚¸›¸ºŸ¸¸¢›¸ˆÅ Ÿ¸»¥¸š¸›¸ £¸¢©¸ ‚¸¾£ ``„¸ œÏž¸¸¨¸ú'' ›¸íú¿ í¾
Notional principal amount of exchange traded interest rate derivatives outstanding and not "highly
effective"
ˆÅ) Ÿ¸ºÍ¸ É¡¸»¸£ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
a) Currency Futures
‰¸) ¤¡¸¸¸ ™£ É¡¸»¸£ ©¸»›¡¸/ Nil ©¸»›¡¸ / Nil
b) Interest Rate Future
Š¸) ¢¨¸ˆÅ¥œ¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
c) Options
(iv) ‡Æ¬¸¸Ê¸ Ÿ¸Ê ’ï½” ¢ˆÅ¡¸½ Š¸¡¸½ ¤¡¸¸¸ ”½¢£¨¸½¢’¨¸ ˆÅ¸ ¤¸ˆÅ¸¡¸¸ Ÿ¸¸ˆÄÅ-’»-Ÿ¸¸ˆ½ÄÅ’ Ÿ¸»¥¡¸ ‚¸¾£ `'„¸ œÏž¸¸¨¸ú'' ›¸íú¿ í¾
Mark-to market value of exchange traded interest derivatives outstanding and not "highly effective"
ˆÅ) Ÿ¸ºÍ¸ É¡¸»¸£ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
a) Currency Futures
‰¸) ¤¡¸¸¸ ™£ É¡¸»¸£ ©¸»›¡¸/ Nil ©¸»›¡¸ / Nil
b) Interest Rate Future
Š¸) ¢¨¸ˆÅ¥œ¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
c) Options

dm{f©H$ [anmoQ>© Annual Report 2023-24 381

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(Š¸) ”½¢£¨¸½¢’¨¸ Ÿ¸Ê ¸¸½¢‰¸Ÿ¸ ‡Æ¬¸œ¸¸½¸£ ˆÅ¸ œÏˆÅ’›¸
(c) Disclosures on risk exposure in derivatives

(i) Š¸ºµ¸¸÷Ÿ¸ˆÅ œÏˆÅ’›¸ / Qualitative disclosures

(ˆÅ) ”½£½¨¸½¢’¨¸ ’ï½¢”¿Š¸ Ÿ¸Ê ¸¸½¢‰¸Ÿ¸ ˆ½Å œÏ¤¸¿š¸›¸ ˆ½Å ¢¥¸‡ ¬¸¿£¸›¸¸ ‚¸¾£ ¬¸¿Š¸“›¸
(a) The structure and organization for management of risk in derivatives trading

¤¸ÿˆÅ í½¢¸¿Š¸ ˆ½Å ¬¸¸˜¸ íú ’ï½¢”¿Š¸ „Ó½©¡¸¸Ê ˆ½Å ¢¥¸‡ ”½£½¨¸½¢’¨¸ ˆÅ¸ ƒ¬÷¸½Ÿ¸¸¥¸ ˆÅ£÷¸¸ í¾. ‡½¬¸½ ”½¢£¨¸½¢’¨¸ ˆ½Å ƒ¬÷¸½Ÿ¸¸¥¸ ¬¸½ ¢¨¸¢ž¸››¸ ¸¸½¢‰¸Ÿ¸ ¸¾¬¸½ †µ¸
¸¸½¢‰¸Ÿ¸, ¤¸¸{¸¸£ ¸¸½¢‰¸Ÿ¸, œ¸¢£¸¸¥¸›¸ ¬¸¿¤¸¿š¸ú ¸¸½¢‰¸Ÿ¸, ¢¨¸¢š¸ˆÅ ¸¸½¢‰¸Ÿ¸ ‚¸¢™ ¤¸õ ¸¸÷¸½ íÿ. ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ƒ›¸ ¸¸½¢‰¸Ÿ¸¸Ê ˆ½Å œÏ¤¸¿š¸›¸ ˆ½Å ¢¥¸‡ ‡ˆÅ
¬¸º¨¡¸¨¸¦¬˜¸÷¸ ¸¿¸¸ í¾ ¢¸¬¸Ÿ¸Ê ¸¸½¢‰¸Ÿ¸ ›¸ú¢÷¸, ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ¬¸¿Š¸“›¸, ¸¸½¢‰¸Ÿ¸ ‚¸ˆÅ¥¸›¸ ‚¸¾£ ¢›¸Š¸£¸›¸ú œÏ¢ÇÅ¡¸¸, ¬¸úŸ¸¸ ¬¸¿£¸›¸¸ ÷¸˜¸¸ œÏµ¸¸¥¸úŠ¸÷¸
¤¸º¢›¸¡¸¸™ú ¬¸¿£¸›¸¸ ©¸¸¢Ÿ¸¥¸ íÿ. ¤¸ÿˆÅ Ÿ¸Ê ‡ˆÅ ¬¨¸÷¸¿°¸ ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ¢¨¸ž¸¸Š¸ í¾ ¢¸¬¸ˆ½Å œÏŸ¸º‰¸ Ÿ¸º‰¡¸ ¸¸½¢‰¸Ÿ¸ ‚¢š¸ˆÅ¸£ú íÿ.
The Bank uses derivatives for Hedging as well as for Trading purposes. The use of such derivatives gives rise to
various risks like credit risk, market risk, operational risk, legal risk etc. The Bank has a well-defined structure to
manage these risks, consisting of risk policy, risk management organization, risk measurement and monitoring
process, limit structure and system infrastructure. The Bank has an independent Risk Management Department,
headed by Chief Risk Officer.

(‰¸) ¸¸½¢‰¸Ÿ¸ ‚¸ˆÅ¥¸›¸, ¸¸½¢‰¸Ÿ¸ ¢£œ¸¸½¢’ôŠ¸ ‚¸¾£ ¸¸½¢‰¸Ÿ¸ ¢›¸Š¸£¸›¸ú œÏµ¸¸¥¸ú ˆÅ¸ ˆÅ¸¡¸Ä®¸½°¸ ‚¸¾£ ¬¨¸³Åœ¸
b) The scope and nature of risk measurement, risk reporting and risk monitoring systems

¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ŠÏºœ¸, ¤¸¸½”Ä ×¸£¸ ¢¨¸¢›¸¢™Ä«’ ›¸ú¢÷¸¡¸¸Ê, œÏ¢ÇÅ¡¸¸‚¸Ê, Ÿ¸¸›¸™¿”¸Ê ‚¸¾£ ¬¸úŸ¸¸‚¸Ê ÷¸˜¸¸ ¥¸¸Š¸» ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¢™©¸¸-¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¸¸½¢‰¸Ÿ¸¸Ê
¸¾¬¸½ †µ¸ ¸¸½¢‰¸Ÿ¸, ¤¸¸{¸¸£ ¸¸½¢‰¸Ÿ¸, œ¸¢£¸¸¥¸›¸ ¬¸¿¤¸¿š¸ú ¸¸½¢‰¸Ÿ¸ ‚¸¢™ ˆ½Å ‚¸ˆÅ¥¸›¸, ¢›¸Š¸£¸›¸ú ‚¸¾£ ¢£œ¸¸½¢’ôŠ¸ ˆ½Å ¢¥¸‡ ˆÅ¸¡¸¸Ä÷Ÿ¸ˆÅ ³Åœ¸ ¬¸½ ¢¸ŸŸ¸½™¸£
í¾. ¸¸½¢‰¸Ÿ¸ ˆÅ¸ œÏ¤¸¿š¸ ¬¸¿¤¸¿¢š¸÷¸ ¬¸¢Ÿ¸¢÷¸¡¸¸Ê (¸¾¬¸½- †µ¸ ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸ ¬¸¢Ÿ¸¢÷¸, œ¸¢£¸¸¥¸›¸ ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸ ¬¸¢Ÿ¸¢÷¸ ‚¸¾£ ‚¸¦¬÷¸ ™½¡¸÷¸¸ œÏ¤¸¿š¸
¬¸¢Ÿ¸¢÷¸) ˆ½Å ¬¸Ÿ¸ŠÏ œ¸¡¸Ä¨¸½®¸µ¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ƒ¬¸ˆÅú ¢£œ¸¸½¢’ôŠ¸ ¤¸¸½”Ä ˆÅú ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸ ¬¸¢Ÿ¸¢÷¸ ‚¸¾£ ¤¸¸½”Ä ˆÅ¸½ ¢›¸¡¸¢Ÿ¸÷¸ ³Åœ¸ ¬¸½ ˆÅú
¸¸÷¸ú í¾.
The Risk Management Group is functionally responsible for measurement, monitoring and reporting of risks
like credit risk, market risk, operational risk etc. in accordance with the policies, processes, parameters and
limits defined by the Board as well as the applicable regulatory guidelines. Risk is managed under the overall
supervision of respective committees (viz. Credit Risk Management Committee, Operational Risk Management
Committee and Asset Liability Management Committee) with periodic reporting to Risk Management Committee
of the Board as well as to the Board..

(Š¸) í½¢¸¿Š¸/©¸Ÿ¸›¸ ˆÅú ¢›¸£¿÷¸£ œÏž¸¸¨¸©¸ú¥¸÷¸¸ ˆÅú ¢›¸Š¸£¸›¸ú ˆ½Å ¢¥¸‡ í½¢¸¿Š¸ ‚¸¾£ /¡¸¸ ¸¸½¢‰¸Ÿ¸ ˆÅ¸½ ˆÅŸ¸ ˆÅ£›¸½ ‚¸¾£ £µ¸›¸ú¢÷¸¡¸¸Ê ‚¸¾£ œÏ¢ÇÅ¡¸¸‚¸Ê ˆ½Å ¢¥¸‡
›¸ú¢÷¸¡¸¸Â.
(c) Policies for hedging and / or mitigating risk and strategies and processes for monitoring the continuing
effectiveness of hedges / mitigants

†µ¸ ¸¸½¢‰¸Ÿ¸, ¤¸¸{¸¸£ ¸¸½¢‰¸Ÿ¸ ‚¸¾£ œ¸¢£¸¸¥¸›¸ ÷¸˜¸¸ ¢¨¸¢š¸ˆÅ ¸¸½¢‰¸Ÿ¸ œ¸£ ¢›¸¡¸¿°¸µ¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¬¸¿‰¡¸¸÷Ÿ¸ˆÅ ‚¸¾£ Š¸ºµ¸¸÷Ÿ¸ˆÅ ™¸½›¸¸Ê íú ‚˜¸¸½ô
Ÿ¸Ê ”½¢£¨¸½¢’¨¸ ¥¸½›¸-™½›¸¸Ê Ÿ¸Ê ¸¸½¢‰¸Ÿ¸ ‡Æ¬¸œ¸¸½¸£ ˆÅ¸ ‚¸ˆÅ¥¸›¸/Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ”½¢£¨¸½¢’¨¸ ¥¸½›¸-™½›¸ ˆÅ£›¸½ ¬¸½ œ¸í¥¸½ ¡¸í ¬¸º¢›¸¢ä¸÷¸ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾ ¢ˆÅ ŠÏ¸íˆÅ/™»¬¸£½ œ¸®¸ ˆÅ¸½ †µ¸ ¬¸Ÿ¸÷¸º¥¡¸ ¸¸½¢‰¸Ÿ¸ (‡¥¸ƒÄ‚¸£) ˆ½Å ‚˜¸Ä Ÿ¸Ê ‚¸ˆÅ¢¥¸÷¸ †µ¸ ¸¸½¢‰¸Ÿ¸, ‚›¸ºŸ¸¸½¢™÷¸ ¬¸úŸ¸¸ ˆ½Å ž¸ú÷¸£ í¸½ ÷¸˜¸¸
ŠÏ¸íˆÅ/™»¬¸£½ œ¸®¸ ˆÅ¸½ ¥¸½›¸-™½›¸ ˆÅú ‚¸¨¸©¡¸ˆÅ ¬¸Ÿ¸¸ í¸½. ¤¸¸{¸¸£ ¸¸½¢‰¸Ÿ¸ ‡Æ¬¸œ¸¸½{¸£ ˆÅ¸ ‚¸ˆÅ¥¸›¸ ‚¸¾£ œÏ¤¸¿š¸ ¦¬˜¸¢÷¸¡¸¸Ê, ¬¸Ÿ¸¡¸-¬¸úŸ¸¸ ‚˜¸¨¸¸
‚¨¸¢š¸, ¤¸¸{¸¸£ ™£¸Ê ˆ½Å œÏ¢÷¸ ¬¸¿¨¸½™›¸©¸ú¥¸÷¸¸, ‚¿÷¸£¸¥¸, ŠÏúƬ¸, í¸¢›¸-£¸½š¸ ‚¸¢™ „œ¸¸¡¸¸Ê ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸÷¸½ íº‡ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ž¸¸¾¢÷¸ˆÅ ³Åœ¸ ¬¸½
¢›¸œ¸’¸‡ Š¸‡ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ‚›¸º¤¸¿š¸¸Ê ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ¤¸›¸¸Ÿ¸ ž¸ºŠ¸÷¸¸›¸ ˆ½Å ‚¸š¸¸£ œ¸£ ¢›¸œ¸’¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ÷¸¸¢ˆÅ ¢¨¸ûÅ¥¸ ’ï½”¸Ê ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ í¸½›¸½
¨¸¸¥¸½ Ÿ¸»¥¸ ¸¸½¢‰¸Ÿ¸ ˆÅ¸½ ˆÅŸ¸ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆ½Å. ¸í¸¿ ž¸ú ¥¸¸Š¸» í¸½, ¤¸ÿˆÅ Æ¥¸¸½{¸-‚¸„’ ›¸½¢’¿Š¸ ¬¸Ÿ¸¸¸¾÷¸¸Ê, Ÿ¸¸¢¸Ä›¸ ˆ½Å ‚¸™¸›¸-œÏ™¸›¸, ¬¸¸¿œ¸¸¢æ¸ÄˆÅ ‚¸¢™
ˆ½Å œÏž¸¸¨¸ú „œ¸¡¸¸½Š¸ ¬¸½ œÏ¢÷¸¬˜¸¸œ¸›¸ ¥¸¸Š¸÷¸ ¸¸½¢‰¸Ÿ¸ ˆÅ¸½ ˆÅŸ¸ ˆÅ£÷¸¸ í¾. œ¸¡¸¸Äœ÷¸ œÏµ¸¸¥¸úŠ¸÷¸ ¤¸º¢›¸¡¸¸™ú ¬¸¿£¸›¸¸ ‚¸¾£ ¢›¸¡¸¿°¸µ¸ œÏµ¸¸¥¸ú ˆÅ¸½ ¨¡¸¨¸¦¬˜¸÷¸
£‰¸ˆÅ£ œ¸¢£¸¸¥¸›¸Š¸÷¸ ¸¸½¢‰¸Ÿ¸¸Ê ˆÅ¸ ¬¸Ÿ¸¸š¸¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‚¸¨¸©¡¸ˆÅ ¢¨¸¢š¸ˆÅ ˆÅ£¸£¸Ê ˆ½Å ¢›¸«œ¸¸™›¸ ‚¸¾£ ™¬÷¸¸¨¸½¸úˆÅ£µ¸ ˆ½Å ¸¢£¡¸½ ¢¨¸¢š¸ˆÅ
¸¸½¢‰¸Ÿ¸¸Ê ˆÅ¸ š¡¸¸›¸ £‰¸¸ ¸¸÷¸¸ í¾.

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{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
Risk exposures in derivatives transactions are measured/ assessed, in both quantitative and qualitative terms, to
capture credit risk, market risk and operational & legal risk. Prior to the execution of derivative transaction, it is
ensured that credit risk exposure to the client/counterparty, measured in terms of Loan Equivalent Risk (LER), is
within the approved limit and the client/counterparty has the necessary understanding of the transaction. Market
risk exposure is measured and managed in terms of positions, duration or tenor, sensitivities to market rates,
gaps, greeks, stop loss etc. Physically-settled foreign exchange contracts are settled on payment versus payment
(PvP) basis so as to mitigate principal risk resulting from failed trades. The Bank mitigates replacement cost
risk by effective use of close-out netting agreements, exchange of margin, collaterals etc, wherever applicable.
Operational risks are addressed by having adequate system infrastructure and control mechanism in place. Legal
risks are taken care of by execution of necessary legal agreements and documentation.
(‹¸) í½¸ ‚¸¾£ ›¸¸Á›¸-í½¸ ¥¸½›¸™½›¸; ‚¸¡¸ ˆÅú œ¸í¸¸›¸, œÏú¢Ÿ¸¡¸Ÿ¸ ‚¸¾£ Ž»’; ¤¸ˆÅ¸¡¸¸ ¬¸¿¢¨¸™¸‚¸½¿ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸; œÏ¸¨¸š¸¸›¸, ¬¸¿œ¸¸¢æ¸ÄˆÅ ‚¸¾£ †µ¸ ¸¸½¢‰¸Ÿ¸
›¡¸»›¸úˆÅ£µ¸ ¬¸¿¤¸¿š¸ú ¢£ˆÅ¸¢”ôŠ¸ ˆ½Å ¢¥¸‡ ¥¸½‰¸¸¿ˆÅ›¸ ›¸ú¢÷¸.
(d) Accounting policy for recording hedge and non-hedge transactions; recognition of income, premiums and
discounts; valuation of outstanding contracts; provisioning, collateral and credit risk mitigation.

”½¢£¨¸½¢’¨¸ ˆ½Å ¢¥¸‡ ¥¸½‰¸¸¿ˆÅ›¸ ›¸ú¢÷¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ÷¸¾¡¸¸£ ˆÅú Š¸ƒÄ í¾, ¢¸¬¸ˆ½Å ¢¨¸¨¸£µ¸ ‚›¸º¬¸»¸ú ¬¸¿.17 ``¤¸ÿˆÅ ˆÅú Ÿ¸í÷¨¸œ¸»µ¸Ä
¥¸½‰¸¸ ›¸ú¢÷¸¡¸¸Ê'' Ÿ¸Ê ¢™¡¸½ Š¸‡ íÿ.
The accounting policy for derivatives has been drawn up in accordance with RBI guidelines, the details of which
are contained in Schedule No.17 "Significant Accounting Policies of the Bank".

(ii) Ÿ¸¸°¸¸÷Ÿ¸ˆÅ œÏˆÅ’›¸ / Quantitative disclosures

(` ˆÅ£¸½”õ) / (` Crore)

31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023

ÇÅŸ¸ March 31, 2024 March 31, 2023
¬¸¿.
Sl. ¢¨¸¨¸£µ¸
Particulars
Ÿ¸ºÍ¸ ”½¢£¨¸½¢’¨¸ ¤¡¸¸¸ ™£ Ÿ¸ºÍ¸ ”½¢£¨¸½¢’¨¸ ¤¡¸¸¸ ™£
No Currency Currency
”½¢£¨¸½¢’¨¸ ”½¢£¨¸½¢’¨¸
Derivatives Interest Rate Derivatives Interest Rate
Derivatives Derivatives

(i) ”½¢£¨¸½¢’¨¸ (‚¸›¸ºŸ¸¸¢›¸ˆÅ Ÿ¸»¥¸š¸›¸ £¸¢©¸)

Derivatives (Notional Principal Amt.)

ˆÅ) í½¢¸¿Š¸ ˆ½Å ¢¥¸‡ 6 ©¸»›¡¸ / Nil 12 ©¸»›¡¸ / Nil

a) For hedging

‰¸) ’ï½¢”¿Š¸ ˆ½Å ¢¥¸‡ 248 61,230 791 7,073

b) For trading

(ii) Ÿ¸¸Æ”Ä-’»-Ÿ¸¸ˆ½ÄÅ’ œ¸¸½¸ú©¸›¸

Marked to Market Positions

ˆÅ) ‚¸¦¬÷¸¡¸¸¿ (+) 55 114 125 28

a) Asset(+)

‰¸) ™½¡¸÷¸¸‡¿ (-) (53) (115) (122) (31)

b) Liability (-)

(iii) †µ¸ ¸¸½¢‰¸Ÿ¸ / Credit Exposure

ˆÅ) í½¢¸¿Š¸ ”½¢£¨¸½¢’¨¸ œ¸£ 2 ©¸»›¡¸ / Nil 5 ©¸»›¡¸ / Nil

a) On hedging derivatives

dm{f©H$ [anmoQ>© Annual Report 2023-24 383

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)

31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023

ÇÅŸ¸ March 31, 2024 March 31, 2023
¬¸¿.
Sl. ¢¨¸¨¸£µ¸
Particulars
Ÿ¸ºÍ¸ ”½¢£¨¸½¢’¨¸ ¤¡¸¸¸ ™£ Ÿ¸ºÍ¸ ”½¢£¨¸½¢’¨¸ ¤¡¸¸¸ ™£
No Currency Currency
”½¢£¨¸½¢’¨¸ ”½¢£¨¸½¢’¨¸
Derivatives Interest Rate Derivatives Interest Rate
Derivatives Derivatives

‰¸) ’ï½¢”¿Š¸ ”½¢£¨¸½¢’¨¸ œ¸£ 58 610 157 85

b) On trading derivatives

(iv) ¤¡¸¸¸ ™£ Ÿ¸Ê ‡ˆÅ œÏ¢÷¸©¸÷¸ œ¸¢£¨¸÷¸Ä›¸ ˆÅ¸

¬¸¿ž¸¸¢¨¸÷¸ œÏž¸¸¨¸ (100*œ¸ú¨¸ú01)
Likely impact of one percentage
change in interest rate (100*PV01)

ˆÅ) í½¢¸¿Š¸ ”½¢£¨¸½¢’¨¸ œ¸£ 0.02 - 0.07 ©¸»›¡¸ / Nil

a) on hedging derivatives

‰¸) ’ï½¢”¿Š¸ ”½¢£¨¸½¢’¨¸ œ¸£ - 5 ©¸»›¡¸ / Nil 0.28

b) on trading derivatives

(v) ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¸¡¸½ Š¸¡¸½ 100*œ¸ú¨¸ú01 ˆ½Å

‚¢š¸ˆÅ÷¸Ÿ¸ ‡¨¸¿ ›¡¸»›¸÷¸Ÿ¸@
Maximum and Minimum of 100*PV01
observed during the year @

ˆÅ) í½¢¸¿Š¸ œ¸£

a) on hedging

- ‚¢š¸ˆÅ÷¸Ÿ¸ / Maximum 0.06 - 0.16 ©¸»›¡¸ / Nil

- ›¡¸»›¸÷¸Ÿ¸ / Minimum 0.02 - 0.07 ©¸»›¡¸ / Nil

‰¸) ’ï½¢”¿Š¸ œ¸£

b) on trading

- ‚¢š¸ˆÅ÷¸Ÿ¸ / Maximum - 10 0.0011 5

- ›¡¸»›¸÷¸Ÿ¸ / Minimum - 0.06 ©¸»›¡¸ / Nil 0.06

@
¸»¿¢ˆÅ ¬¸¿¨¡¸¨¸í¸£ ‚¸¦¬÷¸-™½¡¸÷¸¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ Ÿ¸Ê ¤¡¸¸¸ ™£ ‚¸¾£ Ÿ¸ºÍ¸ ¸¸½¢‰¸Ÿ¸¸Ê ¬¸½ ¤¸¸¸¨¸ ¨¡¸¨¸¬˜¸¸ ˆ½Å ¢¥¸‡ ¢ˆÅ‡ ¸¸÷¸½ íÿ, ‚÷¸À ¤¸ÿˆÅ ‚¢š¸ˆÅ÷¸Ÿ¸ ‚¸¾£
›¡¸»›¸÷¸Ÿ¸ 100*œ¸ú¨¸ú01 ˆÅú Š¸µ¸›¸¸ ™¾¢›¸ˆÅ ‚¸š¸¸£ œ¸£ ›¸íú¿ ˆÅ£÷¸¸ í¾.
@
Since the transaction are undertaken to hedge the interest rate and currency risks in the asset-liability portfolio, the bank
is not calculating the maximum and minimum of 100*PV01 on daily basis.

(‹¸) †µ¸ ¸»ˆÅ ¬¨¸¾œ¸

(d) Credit Default Swaps

¸¸¥¸» ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ‚¸¾£ ¢œ¸Ž¥¸½ ¨¸«¸Ä 2022-23 ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ›¸½ ˆÅ¸½ƒÄ ¬¸ú”ú‡¬¸ ¥¸½›¸™½›¸ ›¸íú¿ ¢ˆÅ¡¸¸ í¾.
During the current financial year 2023-24 and the previous year 2022-23, the Bank did not enter into any CDS
transactions.

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8. œÏ¢÷¸ž¸»÷¸úˆÅ£µ¸ / Securitisation

(` ˆÅ£¸½”õ) / (` Crore)

ÇÅŸ¸ ¬¸¿. ¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

Sr. No. Particulars As on As on
March 31, 2024 March 31, 2023

1. œÏ¨¸÷¸ÄˆÅ ׸£¸ „÷œ¸››¸ œÏ¢÷¸ž¸»÷¸úˆÅ£µ¸ ¥¸½›¸™½›¸ ˆ½Å ¢¥¸‡ ‚¸¦¬÷¸ £‰¸›¸½ ¨¸¸¥¸½ ©¸»›¡¸/ Nil ©¸»›¡¸ / Nil
‡¬¸œ¸úƒÄ ˆÅú ¬¸¿‰¡¸¸ (¡¸í¸Â ˆ½Å¨¸¥¸ ¤¸ˆÅ¸¡¸¸ œÏ¢÷¸ž¸»÷¸úˆÅ£µ¸ ‡Æ¬¸œ¸¸½¸£ ¬¸½
¬¸¿¤¸¿¢š¸÷¸ ‡¬¸œ¸ú¨¸ú ˆÅú ¢£œ¸¸½¢’ôŠ¸ ˆÅú ¸¸¡¸½)
No of SPEs holding assets for securitisation transactions
originated by the originator (only the SPVs relating to
outstanding securitization exposures to be reported
here)

2. ‡¬¸œ¸úƒÄ ˆÅú ¤¸¢í¡¸¸Ê ˆ½Å ‚›¸º¬¸¸£ œÏ¢÷¸ž¸»¢÷¸ˆ¼Å÷¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ˆºÅ¥¸ £¸¢©¸ ©¸»›¡¸/ Nil ©¸»›¡¸ / Nil
Total amount of securitised assets as per books of the SPEs

3. ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ‡Ÿ¸‚¸£‚¸£ ˆ½Å ‚›¸ºœ¸¸¥¸›¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê œÏ¨¸÷¸ÄˆÅ ©¸»›¡¸/ Nil ©¸»›¡¸ / Nil
׸£¸ š¸¸¢£÷¸ ˆºÅ¥¸ ‡Æ¬¸œ¸¸½¸£ £¸¢©¸
Total amount of exposures retained by the originator to
comply with MRR as on the date of balance sheet

ˆÅ) ÷¸º¥¸›¸ œ¸°¸ ¬¸½ ƒ÷¸£ ‡Æ¬¸œ¸¸½¸£ - -

a) Off-balance sheet exposures
• œÏ˜¸Ÿ¸ í¸¢›¸ / First loss
• ‚›¡¸ / Others
‰¸) ÷¸º¥¸›¸ œ¸°¸ ¬¸¿¤¸¿š¸ú ‡Æ¬¸œ¸¸½¸£ - -
b) On-balance sheet exposures
• œÏ˜¸Ÿ¸ í¸¢›¸ / First loss
• ‚›¡¸ / Others
4. ‡Ÿ¸‚¸£‚¸£ ¬¸½ ƒ÷¸£ œÏ¢÷¸ž¸»¢÷¸ ¥¸½›¸™½›¸ Ÿ¸Ê ‡Æ¬¸œ¸¸½¸£ £¸¢©¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Amount of exposures to securitisation transactions other
than MRR

ˆÅ) ÷¸º¥¸›¸ œ¸°¸ ¬¸½ ƒ÷¸£ ‡Æ¬¸œ¸¸½¸£ - -

a) Off-balance sheet exposures
i) ‚œ¸›¸½ œÏ¢÷¸ž¸»÷¸úˆÅ£µ¸ Ÿ¸Ê ‡Æ¬¸œ¸¸½¸£
Exposure to own securitisations
• œÏ˜¸Ÿ¸ í¸¢›¸ / First loss
• ‚›¡¸ / Others
ii) ‚›¡¸ œ¸®¸ œÏ¢÷¸ž¸»÷¸úˆÅ£µ¸ Ÿ¸Ê ‡Æ¬¸œ¸¸½¸£
Exposure to third party securitisations
• œÏ˜¸Ÿ¸ í¸¢›¸ / First loss
• ‚›¡¸ / Others

dm{f©H$ [anmoQ>© Annual Report 2023-24 385

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)

ÇÅŸ¸ ¬¸¿. ¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

Sr. No. Particulars As on As on
March 31, 2024 March 31, 2023

‰¸) ÷¸º¥¸›¸ œ¸°¸ ¬¸¿¤¸¿š¸ú ‡Æ¬¸œ¸¸½¸£ - -

b) On-balance sheet exposures
i) ‚œ¸›¸½ œÏ¢÷¸ž¸»÷¸úˆÅ£µ¸ Ÿ¸Ê ‡Æ¬¸œ¸¸½¸£
Exposure to own securitisations
• œÏ˜¸Ÿ¸ í¸¢›¸ / First loss
• ‚›¡¸ / Others
ii) ‚›¡¸ œ¸®¸ œÏ¢÷¸ž¸»÷¸úˆÅ£µ¸ Ÿ¸Ê ‡Æ¬¸œ¸¸½¸£
Exposure to third party securitisations
• œÏ˜¸Ÿ¸ í¸¢›¸ / First loss
• ‚›¡¸ / Others
5. œÏ¢÷¸ž¸»¢÷¸ˆ¼Å÷¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¢¥¸‡ œÏ¸œ÷¸ ¢¤¸ÇÅú œÏ¢÷¸ûÅ¥¸ ‚¸¾£ œÏ¢÷¸ž¸»÷¸úˆÅ£µ¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
ˆ½Å ˆÅ¸£µ¸ ¢¤¸ÇÅú œ¸£ ¥¸¸ž¸/í¸¢›¸
Sale consideration received for the securitised assets and
gain/loss on sale on account of securitisation

6. ÷¸£¥¸÷¸¸ ¬¸í¸¡¸÷¸¸, œÏ¢÷¸ž¸»÷¸úˆÅ£µ¸ ˆ½Å ¤¸¸™ ‚¸¦¬÷¸ ¬¸¢¨¸Ä¢¬¸¿Š¸ ‚¸¢™ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
¬¸½ œÏ™¸›¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ¬¸½¨¸¸‚¸Ê ˆÅ¸ œÏ¸³Åœ¸ ‚¸¾£ Ÿ¸¸°¸¸ (¤¸ˆÅ¸¡¸¸ Ÿ¸»¥¡¸)
Form and quantum (outstanding value) of services provided
by way of, liquidity support, post-securitisation asset
servicing, etc.

7. œÏ™¸›¸ ˆÅú Š¸ƒÄ ¬¸º¢¨¸š¸¸ ˆÅ¸ ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸. ˆ¼Åœ¸¡¸¸ œÏ÷¡¸½ˆÅ ¬¸º¢¨¸š¸¸ ˆ½Å ¢¥¸‡ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
‚¥¸Š¸ ¬¸½ œÏ™¸›¸ ˆÅ£Ê ‚˜¸¸Ä÷¸Ã †µ¸ ¨¸¼¢Ö, ¸¥¸¢›¸¢š¸ ¬¸í¸¡¸÷¸¸, ¬¸¢¨¸Ä¢¬¸¿Š¸ ‡¸Ê’
‚¸¢™. œÏ™¸›¸ ˆÅú Š¸ƒÄ ¬¸º¢¨¸š¸¸ ˆ½Å ˆºÅ¥¸ Ÿ¸»¥¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ˆÅ¸½«“ˆÅ Ÿ¸½¿ œÏ¢÷¸©¸÷¸
ˆÅ¸ „¥¥¸½‰¸ ˆÅ£Ê.
Performance of facility provided. Please provide separately
for each facility viz. Credit enhancement, liquidity support,
servicing agent etc. Mention percent in bracket as of total
value of facility provided.

(ˆÅ) ž¸ºŠ¸÷¸¸›¸ ˆÅú Š¸ƒÄ £¸¢©¸ - -

(a) Amount paid

(‰¸) œÏ¸œ÷¸ ¸ºˆÅ¸¾÷¸ú - -

(b) Repayment received

(Š¸) ¤¸ˆÅ¸¡¸¸ £¸¢©¸ - -

(c) Outstanding amount

8. ‚÷¸ú÷¸ Ÿ¸Ê ™½‰¸½ Š¸‡ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ˆÅú ‚¸¾¬¸÷¸ ¸»ˆÅ ™£. ˆ¼Åœ¸¡¸¸ œÏ÷¡¸½ˆÅ ‚¸¦¬÷¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
¨¸Š¸Ä ‚˜¸¸Ä÷¸Ã ‚¸£‡Ÿ¸¤¸ú‡¬¸, ¨¸¸í›¸ †µ¸ ‚¸¢™ ˆ½Å ¢¥¸‡ ‚¥¸Š¸ - ‚¥¸Š¸
¢¨¸¨¸£µ¸ œÏ™¸›¸ ˆÅ£Ê.
Average default rate of portfolios observed in the past.
Please provide breakup separately for each asset class i.e.
RMBS, Vehicle Loans etc.

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Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)

ÇÅŸ¸ ¬¸¿. ¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

Sr. No. Particulars As on As on
March 31, 2024 March 31, 2023

9. „¬¸ú ‚¿÷¸¢›¸Ä¢í÷¸ ‚¸¦¬÷¸ œ¸£ ¢™¡¸½ Š¸‡ ‚¢÷¸¢£Æ÷¸/’¸Áœ¸-‚œ¸ †µ¸ ˆÅú £¸¢©¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
‚¸¾£ ¬¸¿‰¡¸¸. ˆ¼Åœ¸¡¸¸ œÏ÷¡¸½ˆÅ ‚¸¦¬÷¸ ¨¸Š¸Ä ‚˜¸¸Ä÷¸Ã ‚¸£‡Ÿ¸¤¸ú‡¬¸, ¨¸¸í›¸ †µ¸
‚¸¢™ ˆ½Å ¢¥¸‡ ‚¥¸Š¸ - ‚¥¸Š¸ ¢¨¸¨¸£µ¸ œÏ™¸›¸ ˆÅ£Ê
Amount and number of additional/top up loan given on
same underlying asset. Please provide breakup separately
for each asset class i.e. RMBS, Vehicle Loans, etc.

10. ¢›¸¨¸½©¸ˆÅ¸Ê ˆÅú ¢©¸ˆÅ¸¡¸÷¸Ê / Investor complaints ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
(ˆöÅ) œÏ÷¡¸®¸/‚œÏ÷¡¸®¸ ³Åœ¸ ¬¸½ œÏ¸œ÷¸ ‚¸¾£;
(a) Directly/Indirectly received and;
(‰ö¸) ¤¸ˆÅ¸¡¸¸ ¢©¸ˆÅ¸¡¸÷¸Ê
(b) Complaints outstanding

9. œÏ¸¡¸¸½¢¸÷¸ ÷¸º¥¸›¸-œ¸°¸ ¤¸¸à¸ ‡¬¸œ¸ú¨¸ú (¢¸›íÊ ¥¸½‰¸¸ Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚›¸º¬¸¸£ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢ˆÅ‡ ¸¸›¸½ ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ í¾)
Off-Balance Sheet SPVs sponsored (which are required to be consolidated as per accounting
norms)

31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023

March 31, 2024 March 31, 2023

™½©¸ú / Domestic ¢¨¸™½©¸ú / Overseas ™½©¸ú / Domestic ¢¨¸™½©¸ú / Overseas

©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil

10. ¸Ÿ¸¸ˆÅ÷¸¸Ä ¢©¸®¸¸ ‡¨¸¿ ¸¸Š¸³ˆÅ÷¸¸ ¢›¸¢š¸ Ÿ¸Ê ‚¿÷¸£µ¸ (”úƒÄ‡ ¢›¸¢š¸)
Transfers to Depositor Education and Awareness Fund (DEA Fund)
(` ˆÅ£¸½”õ) / (` Crore)
ÇÅŸ¸ ¬¸¿. ¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023
Sr. No. Particulars March 31, 2024 March 31, 2023

i) ”úƒÄ‡ ¢›¸¢š¸ Ÿ¸Ê ‚¿÷¸¢£÷¸ £¸¢©¸¡¸¸Ê ˆÅ¸ œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ 403 259
Opening balance of amounts transferred to DEA Fund

ii) ¸¸½”õ½ À ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ”úƒÄ‡ ¢›¸¢š¸ Ÿ¸Ê ‚¿÷¸¢£÷¸ £¸¢©¸ 131 154
Add: Amount transferred to DEA Fund during the year

iii) ‹¸’¸‡Â À ™¸¨¸½ ˆ½Å ¢¥¸‡ ”úƒÄ‡ ¢›¸¢š¸ ¬¸½ œÏ¢÷¸œ¸»¢÷¸Ä ˆÅú £¸¢©¸ (51) (10)
Less: Amounts reimbursed by DEA Fund towards claims

iv) ”úƒÄ‡ ¢›¸¢š¸ Ÿ¸½¿ ‚¿÷¸¢£÷¸ £¸¢©¸¡¸¸½¿ ˆÅ¸ ‚¿¢÷¸Ÿ¸ ©¸½«¸ 483 403
Closing Balance of amounts transferred to DEA Fund

dm{f©H$ [anmoQ>© Annual Report 2023-24 387

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
11. ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅ¸ œÏˆÅ’›¸ / Disclosure of Complaints
ˆÅ) ŠÏ¸íˆÅ¸Ê ¬¸½ ‚¸¾£ ¤¸ÿ¢ˆ¿ÅŠ¸ ¥¸¸½ˆÅœ¸¸¥¸ ˆ½Å ˆÅ¸¡¸¸Ä¥¸¡¸¸Ê (‚¸½¤¸ú‚¸½) ¬¸½ ¤¸ÿˆÅ ˆÅ¸½ œÏ¸œ÷¸ ¢©¸ˆÅ¸¡¸÷¸¸Ê œ¸£ ¬¸¿¢®¸œ÷¸ ¸¸›¸ˆÅ¸£úÀ
a) Summary information on complaints received by the Bank from customers and from the Offices of Banking
Ombudsman (OBOs)

ÇÅŸ¸ ¬¸¿. ¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023

Sr. No. Particulars March 31, 2024 March 31, 2023

¤¸ÿˆÅ ˆÅ¸½ ‚œ¸›¸½ ŠÏ¸íˆÅ¸½¿ ¬¸½ œÏ¸œ÷¸ ¢©¸ˆÅ¸¡¸÷¸½¿½

Complaints received by the Bank from its customers

1 ¨¸«¸Ä ˆ½Å ‚¸£¿ž¸ Ÿ¸Ê ¥¸¿¢¤¸÷¸ ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú ¬¸¿‰¡¸¸ 1,114 286
Number of complaints pending at the beginning of the year

2 ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œÏ¸œ÷¸ ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú ¬¸¿‰¡¸¸ 59,714 65,232

Number of complaints received during the year

3 ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢›¸œ¸’¸ƒÄ Š¸ƒÄ ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú ¬¸¿‰¡¸¸ 60,546 64,404
Number of complaints disposed during the year

3.1 ¢¸›¸Ÿ¸Ê ¬¸½, ¤¸ÿˆÅ ׸£¸ ‰¸¸¢£¸ ˆÅú Š¸ƒÄ ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú ¬¸¿‰¡¸¸ 556 569
Of which, number of complaints rejected by the bank

4 ¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê ¥¸¿¢¤¸÷¸ ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú ¬¸¿‰¡¸¸ 282 1,114
Number of complaints pending at the end of the year

‚¸½¤¸ú‚¸½ ¬¸½ ¤¸ÿˆÅ ˆÅ¸½ œÏ¸œ÷¸ ‚›¸º£®¸µ¸ú¡¸ ¢©¸ˆÅ¸¡¸÷¸Ê

Maintainable complaints received by the Bank from OBOs

5 ‚¸½¤¸ú‚¸½ ¬¸½ ¤¸ÿˆÅ ˆÅ¸½ œÏ¸œ÷¸ ‚›¸º£®¸µ¸ú¡¸ ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú ¬¸¿‰¡¸¸ 2,904 2,123
Number of maintainable complaints received by the Bank
from OBOs

5.1 5 Ÿ¸Ê ¬¸½, ‚¸½¤¸ú‚¸½ ׸£¸ ¤¸ÿˆÅ ˆ½Å œ¸®¸ Ÿ¸Ê ¬¸Ÿ¸¸š¸¸›¸ ˆÅú Š¸ƒÄ ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú ¬¸¿‰¡¸¸ 2,281 1,332
Of 5, number of complaints resolved in favour of the bank
by OBOs

5.2 5 Ÿ¸Ê ¬¸½, ‚¸½¤¸ú‚¸½ ׸£¸ ¸¸£ú ¬¸º¥¸í/Ÿ¸š¡¸¬˜¸÷¸¸/¬¸¥¸¸í ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ í¥¸ ˆÅú 623 791
Š¸ƒÄ ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú ¬¸¿‰¡¸¸
Of 5, number of complaints resolved through conciliation/
mediation/ advisories issued by OBOs

5.3 5 Ÿ¸Ê ¬¸½, ¤¸ÿˆÅ ˆ½Å ¢‰¸¥¸¸ûÅ ‚¸½¤¸ú‚¸½ ׸£¸ ‚¢š¸¢›¸µ¸Ä¡¸ œ¸¸¢£÷¸ ˆÅ£›¸½ ˆ½Å ¤¸¸™ í¥¸ 0 0
ˆÅú Š¸ƒÄ ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú ¬¸¿‰¡¸¸
Of 5, number of complaints resolved after passing of Awards
by OBOs against the bank

6 ¢›¸š¸¸Ä¢£÷¸ ¬¸Ÿ¸¡¸ ˆ½Å ž¸ú÷¸£ ˆÅ¸¡¸¸Ä¦›¨¸÷¸ ›¸íú¿ ¢ˆÅ‡ Š¸‡ ‚¢š¸¢›¸µ¸Ä¡¸¸Ê ˆÅú ¬¸¿‰¡¸¸ 0 0
(‚œ¸ú¥¸ ¨¸¸¥¸½ Ÿ¸¸Ÿ¸¥¸¸Ê ˆ½Å ‚¥¸¸¨¸¸)
Number of Awards unimplemented within the stipulated time
(other than those appealed)

›¸¸½’ À „œ¸¡¸ºÄÆ÷¸ ¬¸¸£¸¿©¸ Ÿ¸Ê ‚¸¡¸ˆÅ£, ¬¸ú¤¸ú‚¸ƒÄ ‚¸¾£ ¬¸÷¸ˆÄÅ÷¸¸ ¢¨¸ž¸¸Š¸ ¬¸½ œÏ¸œ÷¸ ¢©¸ˆÅ¸¡¸÷¸Ê ©¸¸¢Ÿ¸¥¸ ›¸íú¿ íÿ. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, ŠÏ¸íˆÅ ¬¸½¨¸¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å
Ÿ¸¸¬’£ œ¸¢£œ¸°¸ ˆ½Å ‚›¸º¬¸¸£, ‚Š¸¥¸½ ˆÅ¸¡¸Ä ¢™¨¸¬¸ ˆ½Å ž¸ú÷¸£ ¬¸Ÿ¸¸š¸¸›¸ ˆÅú Š¸ƒÄ ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅ¸½ „œ¸¡¸ºÄÆ÷¸ ¬¸¸£¸¿©¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ¤¸ÿˆÅ¸Ê Ÿ¸Ê ¢©¸ˆÅ¸¡¸÷¸ ¢›¸¨¸¸£µ¸
÷¸¿°¸ ˆÅ¸½ ¬¸º´õ ˆÅ£›¸½ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê 27 ¸›¸¨¸£ú 2021 ˆÅ¸½ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ¸¸£ú œ¸¢£œ¸°¸ ˆ½Å ‚›¸º¬¸¸£ ”½’¸ ˆÅ¸½ ¬¸¿£½¢‰¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
Note: The above summary does not include complaints from Income Tax, CBI, and Vigilance. Further, as per RBI master
circular on Customer Service, complaints resolved within the next working day are excluded from the above summary. The data
has been aligned according to the circular issued by Reserve Bank of India on January 27, 2021 regarding Strengthening of
Grievance Redress Mechanism in Banks.

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{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
# ¢œ¸Ž¥¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä (2022-23) ˆ½Å ”½’¸ ˆÅ¸½ '’ú+1 ¢™›¸ ˆ½Å ž¸ú÷¸£ í¥¸ ›¸íú¿ ¢ˆÅ‡ Š¸‡ ‡’ú‡Ÿ¸ ¢¨¸¨¸¸™¸Ê' ˆÅ¸½ ©¸¸¢Ÿ¸¥¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¬¸¿©¸¸½¢š¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾,
¸¤¸¢ˆÅ ¢œ¸Ž¥¸½ ¬¸¸¥¸ ¢£œ¸¸½’Ä ¢ˆÅ‡ Š¸‡ '’ú+5 ¢™›¸¸Ê ¬¸½ ‚¢š¸ˆÅ ˆ½Å ’ú‡’ú ¨¸¸¥¸½ ‡’ú‡Ÿ¸ ¢¨¸¨¸¸™' ˆÅ¸½ ƒ¬¸Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸.
# The data for Previous Financial Year (2022-23) has been revised to include ‘ATM disputes not resolved within T+1 day’ as
against ‘ATM disputes with TAT of more than T+5 days’, reported last year.

‰¸) ŠÏ¸íˆÅ¸Ê ¬¸½ ¤¸ÿˆÅ ˆÅ¸½ œÏ¸œ÷¸ ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆ½Å ©¸ú«¸Ä œ¸¸¿¸ ‚¸š¸¸£À
b) Top five grounds of complaints received by the Bank from customers

¢©¸ˆÅ¸¡¸÷¸¸Ê ˆ½Å ‚¸š¸¸£ (‚˜¸¸Ä÷¸Ã ¢©¸ˆÅ¸¡¸÷¸Ê ¨¸«¸Ä ˆ½Å ‚¸£¿ž¸ ¨¸«¸Ä ˆ½Å ¢œ¸Ž¥¸½ ¨¸«¸Ä ˆÅú ¨¸«¸Ä ˆ½Å ‚¿÷¸ 5 Ÿ¸Ê ¬¸½, 30
¢¸¬¸¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ˜¸ú¿) Ÿ¸Ê ¥¸¿¢¤¸÷¸ ™¸¾£¸›¸ œÏ¸œ÷¸ ÷¸º¥¸›¸¸ Ÿ¸Ê œÏ¸œ÷¸ Ÿ¸Ê ¥¸¿¢¤¸÷¸ ¢™›¸¸Ê ¬¸½ ‚¢š¸ˆÅ
Grounds of complaints, ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú ¬¸Ÿ¸¡¸ ÷¸ˆÅ
(i.e. complaints relating to) ¬¸¿‰¡¸¸ ¬¸¿‰¡¸¸ ¬¸¿‰¡¸¸ ˆ½Å % Ÿ¸Ê ¬¸¿‰¡¸¸ ¥¸¿¢¤¸÷¸ £íú¿
Number of Number of ¨¸¼¢Ö / ˆÅŸ¸ú Number of ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú
complaints complaints % increase/ complaints ¬¸¿‰¡¸¸
pending received decrease in pending at Of 5,
at the during the the number the end of number of
beginning of year of complaints the year complaints
the year received over pending
the previous beyond 30
year days
1 2 3 4 5 6

¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 / FY 2023-24

‡’ú‡Ÿ¸/”½¢¤¸’ ˆÅ¸”Ä 962 30,199 (16) 123 0
ATM/Debit Cards
‰¸¸÷¸¸ ‰¸¸½¥¸›¸¸ / ‰¸¸÷¸¸Ê ˆ½Å œ¸¢£¸¸¥¸›¸ Ÿ¸Ê ˆÅ¢“›¸¸ƒÄ 85 10,596 48 71 0
Account opening /difficulty in operation
of accounts
ƒ¿’£›¸½’/Ÿ¸¸½¤¸¸ƒ¥¸/ƒ¥¸½Æ’ï¸Á¢›¸ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ 38 6,727 3 58 0
Internet/mobile/Electronic Banking
†µ¸ ‚¸¾£ ‚¢ŠÏŸ¸ 21 1,959 (12) 14 0
Loans and advances
¢¤¸›¸¸ ¢ˆÅ¬¸ú œ¸»¨¸Ä-¬¸»¸›¸¸ ˆ½Å ©¸º¥ˆÅ ¥¸Š¸¸›¸¸ / 1 403 49 2 0
‚÷¡¸¢š¸ˆÅ ©¸º¥ˆÅ / ûŸ½£Æ¥¸¸½¸£ œÏž¸¸£
Levy of charges without prior notice/
excessive charges/foreclosure charges
‚›¡¸ 7 9,830 (24) 14 0
Others

ˆºÅ¥¸ / Total 1,114 59,714 (8) 282 0

¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 / FY 2022-23

‡’ú‡Ÿ¸/”½¢¤¸’ ˆÅ¸”Ä 142 #36,097 (8) 962 0
ATM/Debit Cards
‰¸¸÷¸¸ ‰¸¸½¥¸›¸¸ / ‰¸¸÷¸¸Ê ˆ½Å œ¸¢£¸¸¥¸›¸ Ÿ¸Ê ˆÅ¢“›¸¸ƒÄ 46 7,140 21 85 0
Account opening /difficulty in operation
of accounts
ƒ¿’£›¸½’/Ÿ¸¸½¤¸¸ƒ¥¸/ƒ¥¸½Æ’ï¸Á¢›¸ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ 28 6,520 0.51 38 0
Internet/mobile/Electronic Banking
†µ¸ ‚¸¾£ ‚¢ŠÏŸ¸ 49 2,238 (30) 21 0
Loans and advances

dm{f©H$ [anmoQ>© Annual Report 2023-24 389

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
¢©¸ˆÅ¸¡¸÷¸¸Ê ˆ½Å ‚¸š¸¸£ (‚˜¸¸Ä÷¸Ã ¢©¸ˆÅ¸¡¸÷¸Ê ¨¸«¸Ä ˆ½Å ‚¸£¿ž¸ ¨¸«¸Ä ˆ½Å ¢œ¸Ž¥¸½ ¨¸«¸Ä ˆÅú ¨¸«¸Ä ˆ½Å ‚¿÷¸ 5 Ÿ¸Ê ¬¸½, 30
¢¸¬¸¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ˜¸ú¿) Ÿ¸Ê ¥¸¿¢¤¸÷¸ ™¸¾£¸›¸ œÏ¸œ÷¸ ÷¸º¥¸›¸¸ Ÿ¸Ê œÏ¸œ÷¸ Ÿ¸Ê ¥¸¿¢¤¸÷¸ ¢™›¸¸Ê ¬¸½ ‚¢š¸ˆÅ
Grounds of complaints, ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú ¬¸Ÿ¸¡¸ ÷¸ˆÅ
(i.e. complaints relating to) ¬¸¿‰¡¸¸ ¬¸¿‰¡¸¸ ¬¸¿‰¡¸¸ ˆ½Å % Ÿ¸Ê ¬¸¿‰¡¸¸ ¥¸¿¢¤¸÷¸ £íú¿
Number of Number of ¨¸¼¢Ö / ˆÅŸ¸ú Number of ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú
complaints complaints % increase/ complaints ¬¸¿‰¡¸¸
pending received decrease in pending at Of 5,
at the during the the number the end of number of
beginning of year of complaints the year complaints
the year received over pending
the previous beyond 30
year days
1 2 3 4 5 6

¢¤¸›¸¸ ¢ˆÅ¬¸ú œ¸»¨¸Ä-¬¸»¸›¸¸ ˆ½Å ©¸º¥ˆÅ ¥¸Š¸¸›¸¸ / 3 270 (31) 1 0

‚÷¡¸¢š¸ˆÅ ©¸º¥ˆÅ/ûŸ½£Æ¥¸¸½{¸£ œÏž¸¸£
Levy of charges without prior notice/
excessive charges/foreclosure charges

‚›¡¸ 18 12,967 (22) 7 0

Others

ˆºÅ¥¸ / Total 286 #

65,232 (9) 1,114 0

# ¢œ¸Ž¥¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä (2022-23) ˆ½Å ”½’¸ ˆÅ¸½ '’ú+1 ¢™›¸ ˆ½Å ž¸ú÷¸£ í¥¸ ›¸íú¿ ¢ˆÅ‡ Š¸‡ ‡’ú‡Ÿ¸ ¢¨¸¨¸¸™¸Ê' ˆÅ¸½ ©¸¸¢Ÿ¸¥¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¬¸¿©¸¸½¢š¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾,
¸¤¸¢ˆÅ ¢œ¸Ž¥¸½ ¬¸¸¥¸ ¢£œ¸¸½’Ä ¢ˆÅ‡ Š¸‡ '’ú+5 ¢™›¸¸Ê ¬¸½ ‚¢š¸ˆÅ ˆ½Å ’ú‡’ú ¨¸¸¥¸½ ‡’ú‡Ÿ¸ ¢¨¸¨¸¸™' ˆÅ¸½ ƒ¬¸Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸.
# The data for Previous Financial Year (2022-23) has been revised to include ‘ATM disputes not resolved within T+1 day’ as
against ‘ATM disputes with TAT of more than T+5 days’, reported last year.

12. ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ¥¸Š¸¸‡ Š¸‡ ™¿” ˆÅ¸ œÏˆÅ’›¸
Disclosure on Penalties imposed by Reserve Bank of India
(ˆÅ) ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ™¿” ¥¸Š¸¸‡ Š¸‡À ¤¸ÿˆÅˆÅ¸£ú ¢¨¸¢›¸¡¸Ÿ¸›¸ ‚¢š¸¢›¸¡¸Ÿ¸, 1949
(a) During the year following penalties were imposed by RBI: Banking Regulation Act, 1949

(` ˆÅ£¸½”õ) / (` Crore)

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡
For the year ended For the year ended
ÇÅŸ¸ March 31, 2024 March 31, 2023
¬¸¿. ¢¨¸¨¸£µ¸
Sr. Particulars
No. ‹¸’›¸¸‚¸Ê ˆÅú £¸¢©¸ ‹¸’›¸¸‚¸Ê ˆÅú £¸¢©¸
¬¸¿‰¡¸¸ Amount ¬¸¿‰¡¸¸ Amount
Number of Number of
Instances Instances

1 ¸½ˆÅ ¬¸¿ŠÏíµ¸ œÏ¢ÇÅ¡¸¸ ¬¸¿¤¸¿š¸ú ¢™©¸¸¢›¸™½Ä©¸¸½¿ ˆ½Å - - - -

Š¸¾£-‚›¸ºœ¸¸¥¸›¸ ˆ½Å ¢¥¸‡ ™¿”
Penalty for non-compliance of guidelines on
cheque collection process.

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Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡
For the year ended For the year ended
ÇÅŸ¸ March 31, 2024 March 31, 2023
¬¸¿. ¢¨¸¨¸£µ¸
Sr. Particulars
No. ‹¸’›¸¸‚¸Ê ˆÅú £¸¢©¸ ‹¸’›¸¸‚¸Ê ˆÅú £¸¢©¸
¬¸¿‰¡¸¸ Amount ¬¸¿‰¡¸¸ Amount
Number of Number of
Instances Instances

2 ‚œÏˆÅ’ ™¸¾£¸½¿ ˆ½Å ™¸¾£¸›¸ ‡’ú‡Ÿ¸ ‚¸„’ ‚¸ÁûÅ ˆ¾Å©¸ 11 0.0110 139 0.1390
‹¸’›¸¸‚¸Ê ‚¸¾£ ¢¬¸ÆˆÅ¸Ê ‡¨¸¿ ˆÅŸ¸ ¨¸Š¸ÄŸ¸»¥¡¸ ˆ½Å ›¸¸½’¸Ê ÷¸˜¸¸
ˆÅ’½-ûÅ’½ ›¸¸½’¸Ê ˆÅ¸½ ¤¸™¥¸›¸½ ¬¸¿¤¸¿š¸ú ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å Š¸¾£-
‚›¸ºœ¸¸¥¸›¸ ˆ½Å ¢¥¸‡ ‚¸£¤¸ú‚¸ƒÄ ׸£¸ ¥¸Š¸¸¡¸¸ Š¸¡¸¸ ™¿”
Penalty imposed by RBI for ATM out of
cash instances and non-compliance of
guidelines on exchange of coins and small
denomination notes and mutilated notes
during incognito visits.
3 ˆÅ£Ê¬¸ú ¸½¬’ ׸£¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆÅ¸½ ¢ˆÅ‡ Š¸‡ ¢¨¸œÏ½«¸µ¸¸Ê ˆ½Å 98 0.0502 89 0.0565
Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ˆÅ£Ê¬¸ú ¸½¬’ œ¸£ ¥¸Š¸¸‡ Š¸‡
™¿”
Penalties imposed by RBI on currency chest
in cases of remittances, made by currency
chests to RBI
4 …œ¸£ „¥¥¸½‰¸ ›¸ ¢ˆÅ‡ Š¸‡ ‚›¡¸ ˆÅ¸£µ¸¸Ê ˆ½Å ¢¥¸‡ ™¿” 1 0.0063 2 0.9395
Penalties for other reasons not mentioned
above

ˆºÅ¥¸ ™¿” ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ (‚) 110 0.0675 230 1.1350

Total Penalties Paid (A)

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ™¿” ¥¸Š¸¸‡ Š¸‡ (¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ‚¥¸¸¨¸¸)À
During the year following penalties were imposed (other than RBI):

(` ˆÅ£¸½”õ) / (` Crore)
31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡
ÇÅŸ¸ For the year ended For the year ended
¬¸¿. ¢¨¸¨¸£µ¸ March 31, 2024 March 31, 2023
Sr. Particulars ‹¸’›¸¸‚¸Ê ˆÅú £¸¢©¸ ‹¸’›¸¸‚¸Ê ˆÅú £¸¢©¸
No. ¬¸¿‰¡¸¸ Amount ¬¸¿‰¡¸¸ Amount
Number of Number of
Instances Instances
1 ‚›¡¸ ™½©¸ú ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ¸Ê ׸£¸ ¥¸Š¸¸‡ Š¸‡ ™¿” ˆÅú ˆºÅ¥¸ - - 1 0.0178
£¸¢©¸
Total amount of penalties levied by other
domestic regulators

dm{f©H$ [anmoQ>© Annual Report 2023-24 391

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(‰¸) ž¸ºŠ¸÷¸¸›¸ ‚¸¾£ ¢›¸œ¸’¸›¸ œÏµ¸¸¥¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2007À ©¸»›¡¸
(b) Payment and Settlement System Acts, 2007: Nil

(Š¸) ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸ ‚¢š¸¢›¸¡¸Ÿ¸, 2006 (‡¬¸¸ú‡¥¸ ˆ½Å ¤¸¸„¿¢¬¸¿Š¸ ˆ½Å ¢¥¸‡) À ©¸»›¡¸
(c) Government Securities Act, 2006 (for bouncing of SGL): Nil

13. œ¸¸¢£ª¢Ÿ¸ˆÅ œ¸£ œÏˆÅ’›¸ / Disclosures on Remuneration

(1) Š¸ºµ¸¸÷Ÿ¸ˆÅ œÏˆÅ’›¸ / Qualitative disclosures
(ˆÅ) ›¸¸Ÿ¸¸¿ˆÅ›¸ ‡¨¸¿ œ¸¸¢£ª¢Ÿ¸ˆÅ ¬¸¢Ÿ¸¢÷¸ ˆ½Å Š¸“›¸ ‡¨¸¿ ‚¢š¸™½©¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¬¸»¸›¸¸À
(a) Information relating to the composition and mandate of the Nomination and Remuneration Committee:
œ¸¸¢£ª¢Ÿ¸ˆÅ ˆÅ¸ š¡¸¸›¸ £‰¸›¸½¨¸¸¥¸ú Ÿ¸º‰¡¸ ¬¸¢Ÿ¸¢÷¸ ˆÅ¸ ›¸¸Ÿ¸, ¬¸¿£¸›¸¸ ‚¸¾£ „¬¸¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ‚¢š¸™½©¸À
Name, composition and mandate of the main body overseeing remuneration:
›¸¸Ÿ¸¸¿ˆÅ›¸ ‚¸¾£ œ¸¸¢£ª¢Ÿ¸ˆÅ ¬¸¢Ÿ¸¢÷¸ (‡›¸‚¸£¬¸ú) Ÿ¸Ê ¬¸¸÷¸ ¬¸™¬¡¸ ‚˜¸¸Ä÷¸Ã ƒ¬¸ˆ½Å ‚š¡¸®¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ‡ˆÅ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ¬¸¢í÷¸ ¬¸ž¸ú Š¸¾£-ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ
¢›¸™½©¸ˆÅ, ‡ˆÅ ¬¸£ˆÅ¸£ú ›¸¸¢Ÿ¸÷¸ú ¢›¸™½©¸ˆÅ, ‡ˆÅ ‡¥¸‚¸ƒÄ¬¸ú ˆ½Å ›¸¸¢Ÿ¸÷¸ú ¢›¸™½©¸ˆÅ ‚¸¾£ ‚›¡¸ ¬¸™¬¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¸¸£ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅŠ¸µ¸ ©¸¸¢Ÿ¸¥¸
íÿ. ¬¸¢Ÿ¸¢÷¸, ¢›¸™½©¸ˆÅ¸Ê ˆ½Å „œ¸¡¸ºÆ÷¸ ‚¸¾£ Ÿ¸¸ˆ»Å¥¸ ¦¬˜¸¢÷¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 178, ‡¥¸‚¸½”ú‚¸£ ¢¨¸¢›¸¡¸Ÿ¸¸¨¸¥¸ú ˆ½Å
¢¨¸¢›¸¡¸Ÿ¸ 19 ‚¸¾£ ‚›¸º¬¸»¸ú II ˆ½Å ž¸¸Š¸ ”ú, ¬¸½¤¸ú (©¸½¡¸£ ‚¸š¸¸¢£÷¸ ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ ‚¸¾£ ¬¨¸½’ ƒ¦Æ¨¸’ú) ¢¨¸¢›¸¡¸Ÿ¸›¸, 2021 ÷¸˜¸¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å
¢™©¸¸¢›¸™½Ä©¸¸Ê Ÿ¸Ê œÏ™÷¸ ‚¢š¸™½©¸¸Ê/¢¨¸¸¸£¸˜¸Ä ¢¨¸«¸¡¸¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£÷¸ú í¾ ¸¸½ ¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿ À
Nomination and Remuneration Committee (NRC) comprises of seven members, all Non-Executive Directors with
an Independent Director as its Chairman, one Government Nominee Director, one LIC Nominee Director and four
other Independent Directors as members. The Committee fulfils the mandate / terms of reference provided under
Section 178 of the Companies Act, 2013, Regulation 19 and Part D of Schedule II of the LODR Regulations, SEBI
(Share Based Employee Benefits and Sweat Equity) Regulations, 2021 and RBI guidelines in respect of fit and
proper status of Directors as under :
• ‡ˆÅ ¢›¸™½©¸ˆÅ ˆÅú ¡¸¸½Š¡¸÷¸¸, ¬¸ˆÅ¸£¸÷Ÿ¸ˆÅ ¢¨¸©¸½«¸÷¸¸‚¸Ê ‚¸¾£ ¬¨¸÷¸¿°¸÷¸¸ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ Ÿ¸¸›¸™¿” ÷¸¾¡¸¸£ ˆÅ£›¸¸ ‚¸¾£ ¢›¸™½©¸ˆÅ
Ÿ¸¿”¥¸ ˆÅ¸½ ¢›¸™½©¸ˆÅ¸Ê, œÏŸ¸º‰¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¢Ÿ¸Ä¡¸¸Ê ‚¸¾£ ‚›¡¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å œ¸¸¢£ª¢Ÿ¸ˆÅ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ›¸ú¢÷¸ ˆÅú ¢¬¸ûŸ¢£©¸ ˆÅ£›¸¸;
Formulation of the criteria for determining qualifications, positive attributes and independence of a director
and recommend to the Board of Directors a policy relating to remuneration of the directors, key managerial
personnel and other employees;
• ¤¸¸½”Ä ×¸£¸, ‡›¸‚¸£¬¸ú ׸£¸ ‚˜¸¨¸¸ ¬¨¸÷¸¿°¸ ¤¸¸à¸ ‡¸Ê¬¸ú ׸£¸ ¤¸¸½”Ä, ƒ¬¸ˆÅú ¬¸¢Ÿ¸¢÷¸¡¸¸Ê ‚¸¾£ ¨¸¾¡¸¢Æ÷¸ˆÅ ¢›¸™½©¸ˆÅ¸Ê ˆ½Å ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ˆ½Å
œÏž¸¸¨¸ú Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ¢¥¸‡ œ¸Ö¢÷¸ ¢¨¸¢›¸¢™Ä«’ ˆÅ£›¸¸ ‚¸¾£ ƒ¬¸ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ‡¨¸¿ ‚›¸ºœ¸¸¥¸›¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸;
To specify the manner for effective evaluation of performance of the Board, its Committees and individual
directors, to be carried out either by the Board, by the NRC or by an independent external agency and
review its implementation and compliance;
• ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ¸Ê ‚¸¾£ ¢›¸™½©¸ˆÅ Ÿ¸µ”¥¸ ˆ½Å ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ˆ½Å Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ¢¥¸‡ Ÿ¸¸›¸™¿” ÷¸¾¡¸¸£ ˆÅ£›¸¸;
Formulation of criteria for evaluation of performance of Independent Directors and the Board of Directors;
• ¢›¸™½©¸ˆÅ Ÿ¸µ”¥¸ Ÿ¸Ê ¢¨¸¢¨¸š¸÷¸¸ ˆ½Å ¢¥¸‡ ›¸ú¢÷¸ ÷¸¾¡¸¸£ ˆÅ£›¸¸;
Devising a policy on diversity of Board of Directors;
• ‡½¬¸½ ¨¡¸¢Æ÷¸¡¸¸Ê ˆÅú œ¸í¸¸›¸ ˆÅ£›¸¸ ¸¸½ ¢›¸™½©¸ˆÅ ¤¸›¸›¸½ ˆ½Å ¡¸¸½Š¡¸ íÿ ‚¸¾£ ¢¸›íÊ ¢›¸š¸¸Ä¢£÷¸ Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚›¸º¬¸¸£ ¨¸¢£«“ œÏ¤¸¿š¸›¸ Ÿ¸Ê ¢›¸¡¸ºÆ÷¸
¢ˆÅ¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾, ÷¸˜¸¸ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅ¸½ „›¸ˆÅú ¢›¸¡¸º¢Æ÷¸ ‚¸¾£ ¢›¸«ˆÅ¸¬¸›¸ ˆÅú ¢¬¸ûŸ¢£©¸ ˆÅ£›¸¸;
To identify persons who are qualified to become directors and who may be appointed in senior
management with the criteria laid down, and recommend to the Board of Directors their appointment and
removal;
• ¢›¸™½©¸ˆÅ¸Ê ˆÅú ¢›¸¡¸º¢Æ÷¸ ‚¸¾£ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ›¸ú¢÷¸ Ÿ¸Ê ¢›¸š¸¸Ä¢£÷¸ Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚›¸º¬¸¸£ ¤¸¸½”Ä ˆÅ¸½ ¢›¸™½©¸ˆÅ¸Ê ˆÅú ¢›¸¡¸º¢Æ÷¸ ‚¸¾£ í’¸›¸½ ˆÅú ¢¬¸ûŸ¢£©¸
ˆÅ£›¸¸;
To recommend to the Board the appointment and removal of Directors in accordance with the criteria laid
down in the Directors’ Appointment and Evaluation Policy;
• ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ˆÅú œÏ÷¡¸½ˆÅ ¢›¸¡¸º¢Æ÷¸ ˆ½Å ¢¥¸‡, ›¸¸Ÿ¸¸¿ˆÅ›¸ ‚¸¾£ œ¸¸¢£ª¢Ÿ¸ˆÅ ¬¸¢Ÿ¸¢÷¸ ¤¸¸½”Ä Ÿ¸Ê ˆÅ¸¾©¸¥¸, ±¸¸›¸ ‚¸¾£ ‚›¸ºž¸¨¸ ˆ½Å ¬¸¿÷¸º¥¸›¸ ˆÅ¸
Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ£½Š¸ú ‚¸¾£ ƒ¬¸ ÷¸£í ˆ½Å Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ‚¸š¸¸£ œ¸£, ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ˆÅú ‚¸¨¸©¡¸ˆÅ ž¸»¢Ÿ¸ˆÅ¸ ‚¸¾£ ®¸Ÿ¸÷¸¸‚¸Ê ˆÅ¸ ¢¨¸¨¸£µ¸ ÷¸¾¡¸¸£
ˆÅ£½Š¸ú. ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢›¸¡¸º¢Æ÷¸ ˆ½Å ¢¥¸‡ ¤¸¸½”Ä ˆÅ¸½ ‚›¸º©¸¿¢¬¸÷¸ ¨¡¸¢Æ÷¸ ˆ½Å œ¸¸¬¸ ‡½¬¸½ ¢¨¸¨¸£µ¸ Ÿ¸Ê ÷¸¡¸ ˆÅú Š¸ƒÄ ®¸Ÿ¸÷¸¸‡¿ í¸½›¸ú
¸¸¢í‡. „œ¸¡¸ºÆ÷¸ „ŸŸ¸ú™¨¸¸£¸Ê ˆÅú œ¸í¸¸›¸ ˆÅ£›¸½ ˆ½Å „Ó½©¡¸ ¬¸½, ¬¸¢Ÿ¸¢÷¸ ¢›¸Ÿ›¸ ˆÅ¸¡¸Ä ˆÅ£ ¬¸ˆÅ÷¸ú í¾À

392 Friendship That

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 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
For every appointment of an independent director, the Nomination and Remuneration Committee
shall evaluate the balance of skills, knowledge and experience on the Board and on the basis of such
evaluation, prepare a description of the role and capabilities required of an independent director. The
person recommended to the Board for appointment as an independent director shall have the capabilities
identified in such description. For the purpose of identifying suitable candidates, the Committee may:
ˆÅ. ¡¸¢™ ‚¸¨¸©¡¸ˆÅ í¸½ ÷¸¸½ ¤¸¸í£ú ‡¸Ê¢¬¸¡¸¸Ê ˆÅú ¬¸½¨¸¸‚¸Ê ˆÅ¸ „œ¸¡¸¸½Š¸;
a. Use the services of external agencies, if required;
‰ö¸. ¢¨¸¢¨¸š¸÷¸¸ ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸÷¸½ íº‡ ¢¨¸¢ž¸››¸ œ¸¼«“ž¸»¢Ÿ¸¡¸¸Ê ˆ½Å „ŸŸ¸ú™¨¸¸£¸Ê œ¸£ ¢¨¸¸¸£ ˆÅ£›¸¸; ‚¸¾£
b. Consider candidates from a wide range of backgrounds, having due regard to diversity; and
Š¸. „ŸŸ¸ú™¨¸¸£¸Ê ˆÅú ¬¸Ÿ¸¡¸ œÏ¢÷¸¤¸Ö÷¸¸‚¸Ê œ¸£ ¢¨¸¸¸£ ˆÅ£›¸¸
c. Consider the time commitments of the candidates.
• ¡¸¸½Š¡¸÷¸¸, ¢¨¸©¸½«¸±¸÷¸¸, ¢œ¸Ž¥¸½ ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸, ¬¸÷¡¸¢›¸«“¸, `„œ¸¡¸ºÆ÷¸ ‚¸¾£ Ÿ¸¸ˆ»Å¥¸' Ÿ¸¸›¸™¿”, ¬¸ˆÅ¸£¸÷Ÿ¸ˆÅ Š¸ºµ¸¸Ê ‚¸¾£ ¬¨¸÷¸›°¸÷¸¸ (¡¸¢™
¥¸¸Š¸» í¸½) ˆ½Å ‚¸š¸¸£ œ¸£ ÷¸˜¸¸ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ¸Ê ¬¸¢í÷¸ ¢›¸™½©¸ˆÅ Ÿ¸µ”¥¸ ¬¸¿¤¸¿š¸ú ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢£œ¸¸½’Ä ˆ½Å ‚¸š¸¸£ œ¸£ ¤¸¸½”Ä Ÿ¸Ê
¢›¸™½©¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢ˆÅ¬¸ú ¨¡¸¢Æ÷¸ ˆÅú ¢›¸¡¸º¢Æ÷¸/ ¢›¸¡¸º¢Æ÷¸ ˆÅ¸½ ¸¸£ú £‰¸›¸½ ˆ½Å ¢¥¸‡ „œ¸¡¸ºÆ÷¸÷¸¸ ¢›¸š¸¸Ä¢£÷¸ ˆÅ£›¸½ í½÷¸º ¬¸Ÿ¸º¢¸÷¸ ¬¸¸¨¸š¸¸›¸ú ˆÅú
œÏ¢ÇÅ¡¸¸ ‚œ¸›¸¸›¸¸ ÷¸˜¸¸ „¬¸ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê Ÿ¸¸›¸™¿” ÷¸¾¡¸¸£ ˆÅ£›¸¸;
To undertake a process of due diligence to determine the suitability of any person for appointment /
continuing to hold appointment as a director on the Board, based upon qualification, expertise, track
record, integrity, ‘fit and proper’ criteria, positive attributes and independence (if applicable) and on the
basis of the report of performance evaluation of directors including independent directors and formulate
the criteria relating thereto;
• ¢›¸™½©¸ˆÅ¸Ê, Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ, ‚¸¢™ ˆ½Å ¢¥¸‡ œ¸¸¢£ª¢Ÿ¸ˆÅ ›¸ú¢÷¸ ÷¸¾¡¸¸£ ˆÅ£›¸¸;
Formulation of Remuneration Policy for Directors, KMPs, etc.
• ¤¸¸½”Ä ˆÅ¸½ ¨¸¢£«“ œÏ¤¸¿š¸›¸ ˆÅ¸½ ™½¡¸ œ¸¸¢£ª¢Ÿ¸ˆÅ, ¸¸í½ ¢¸¬¸ ³Åœ¸ Ÿ¸Ê í¸½, ˆÅú ¢¬¸ûŸ¢£©¸ ˆÅ£›¸¸;
Recommend to the Board, all remunerations, in whatever form, payable to the senior management;
• ®¸¢÷¸œ¸»¢÷¸Ä ‚¸¾£ ¢¨¸¨¸½ˆÅœ¸»µ¸Ä ¸¸½¢‰¸Ÿ¸ ˆ½Å ¤¸ú¸ œÏž¸¸¨¸ú ¬¸º¬¸¿Š¸÷¸úˆÅ£µ¸ ˆ½Å ¢¥¸‡ ¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ¬¸¢Ÿ¸¢÷¸ ˆ½Å ¬¸¸˜¸ Š¸í›¸ ¬¸Ÿ¸›¨¸¡¸ ˆ½Å ¬¸¸˜¸ ˆÅ¸¡¸Ä
ˆÅ£›¸¸;
To work in close coordination with Risk Management Committee to achieve effective alignment between
compensation and prudent risk-taking;

• ®¸¢÷¸œ¸»¢÷¸Ä œÏµ¸¸¥¸ú ˆÅú ³Åœ¸£½‰¸¸ ‚¸¾£ œ¸¢£¸¸¥¸›¸¸Ê ˆÅ¸ ¢›¸£ú®¸µ¸ ˆÅ£›¸¸ ÷¸¸¢ˆÅ ¡¸í ¬¸º¢›¸¢ä¸÷¸ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆ½Å ¢ˆÅ œÏµ¸¸¥¸ú ‚œ¸½®¸¸›¸º¬¸¸£ ˆÅ¸¡¸Ä
ˆÅ£÷¸ú í¾ ‚¸¾£ ¡¸í ¢¨¸î¸ú¡¸ ¦¬˜¸£÷¸¸ ¤¸¸½”Ä ×¸£¸ ¢›¸¢™Ä«’ ¢ˆÅ‡ Š¸‡ ¢¬¸Ö¸¿÷¸¸Ê ˆ½Å ‚›¸º³Åœ¸ í¾.
To oversee the compensation system’s design and operations to ensure that the system operates as
intended and is also consistent with the principles outlined by the Financial Stability Board;
• ®¸¢÷¸œ¸»¢÷¸Ä ›¸ú¢÷¸ ˆ½Å ¢›¸š¸¸Ä£µ¸, ¬¸Ÿ¸ú®¸¸ ‚¸¾£ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆÅú ¢›¸Š¸£¸›¸ú ˆÅ£›¸¸ ‚¸¾£ Ÿ¸º‰¡¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ‚¢š¸ˆÅ¸£ú/œ¸»µ¸ÄˆÅ¸¢¥¸ˆÅ ¢›¸™½©¸ˆÅ¸Ê/÷¸¸¢÷¨¸ˆÅ
¸¸½¢‰¸Ÿ¸ „“¸›¸½ ¨¸¸¥¸¸Ê ˆ½Å ¬¸¸˜¸-¬¸¸˜¸ ¸¸½¢‰¸Ÿ¸ ¢›¸¡¸¿°¸µ¸ ‚¸¾£ ‚›¸ºœ¸¸¥¸›¸ ¬’¸ûÅ (¤¸¸½”Ä ×¸£¸ ‚›¸º¬¸Ÿ¸˜¸Ä›¸ ˆ½Å ¢¥¸‡) ˆ½Å ¢¥¸‡ ¨¸¸¢«¸ÄˆÅ œ¸¸¢£ª¢Ÿ¸ˆÅ
ˆÅ¸ ¢›¸µ¸Ä¡¸ ¥¸½›¸¸.
To oversee framing, review and implementation of compensation policy and make annual remuneration
decisions for Chief Executive Officer/Whole Time Directors/Material Risk Takers plus Risk Control and
Compliance staff (for ratification by the Board);
• ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸¸ ¢ˆÅ ®¸¢÷¸œ¸»¢÷¸Ä ¤¸ÿˆÅ ˆ½Å ¥¸¸Š¸÷¸-‚¸¡¸ ‚›¸ºœ¸¸÷¸ ˆÅ¸ ¬¸Ÿ¸˜¸Ä›¸ ˆÅ£÷¸ú í¾ ¸¸½ ¬¸º´õ œ¸»¿¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ‚›¸ºœ¸¸÷¸ ˆÅ¸½ ¤¸›¸¸¡¸½ £‰¸›¸½ ˆ½Å
‚›¸º³Åœ¸ í¾.
To ensure that the cost to income ratio of the Bank supports the compensation consistent with maintaining
sound capital adequacy ratio;
• ¤¸ÿˆÅ ˆÅú ®¸¢÷¸œ¸»¢÷¸Ä œÏ˜¸¸‚¸Ê ‚¸¾£ ›¸ú¢÷¸¡¸¸Ê ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê œ¸¡¸Ä¨¸½®¸ú ¢›¸£ú®¸µ¸ ˆÅ£›¸¸. ¤¸ÿ¢ˆ¿ÅŠ¸ ®¸½°¸ ‚¸¾£ ¬¸¸Ÿ¸¸›¡¸ ³Åœ¸ ¬¸½ „Ô¸¸½Š¸ ¬¸½
¬¸¿¤¸¿¢š¸÷¸ ¢¨¸¢ž¸››¸ ¢¨¸¢š¸¡¸¸Ê ׸£¸ ¢›¸š¸¸Ä¢£÷¸ ¬¸ž¸ú œÏˆÅ’úˆÅ£µ¸ Ÿ¸¸›¸™¿”¸Ê ˆÅ¸ œ¸»µ¸Ä ‚›¸ºœ¸¸¥¸›¸ ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸¸.
To have supervisory oversight regarding implementation of compensation practices and policies of the
Bank. To ensure complete compliance with all disclosure norms as prescribed by the various statutes
relevant to the banking sector and industry in general;

dm{f©H$ [anmoQ>© Annual Report 2023-24 393

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
• Ÿ¸¾¥¸¬¸ ‡¿” Æ¥¸¸¤¸¾ˆÅ ˆ½Å ¢¥¸‡ í£ ¬¸¸¥¸ ¢¨¸¢©¸«’ Ÿ¸¸›¸™¿”¸Ê ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸.
To review specific criteria for Malus and Clawback every year;

• í£ ¬¸¸¥¸ ›¸ˆÅ™ ‚¸š¸¸¢£÷¸ œÏ¸½÷¬¸¸í›¸¸Ê ‚¸¾£ ©¸½¡¸£-¬¸¿¤¸Ö œÏ¸½÷¬¸¸í›¸¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸¡¸Ä-¢›¸«œ¸¸™›¸ Ÿ¸¸›¸™¿” ‚¸¾£ ‚¿¢÷¸Ÿ¸ ž¸ºŠ¸÷¸¸›¸ ÷¸¡¸ ˆÅ£›¸¸.
To fix performance parameters & final payout for Cash based incentives and share-based incentives every
year;

• ÷¸¸¦÷¨¸ˆÅ ¸¸½¢‰¸Ÿ¸ ¥¸½›¸½ ¨¸¸¥¸¸Ê (‡Ÿ¸‚¸£’ú) ˆÅú œ¸í¸¸›¸ ˆÅ£›¸¸ ¢¸›¸ˆ½Å ˆÅ¸¡¸¸½ô ˆÅ¸ ¤¸ÿˆÅ ˆ½Å ¸¸½¢‰¸Ÿ¸ ‡Æ¬¸œ¸¸½¸£ œ¸£ Ÿ¸í÷¨¸œ¸»µ¸Ä œÏž¸¸¨¸ œ¸”õ÷¸¸
í¾ ‚¸¾£ ¸¸½ Š¸ºµ¸¸÷Ÿ¸ˆÅ ‚¸¾£ Ÿ¸¸°¸¸÷Ÿ¸ˆÅ Ÿ¸¸›¸™¿”¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£÷¸½ íÿ.
To identify Material Risk Takers (MRTs) whose actions have a material impact on the risk exposure of the
Bank, and who satisfy the qualitative and quantitative criteria;

• ¬¸½¤¸ú (©¸½¡¸£ ‚¸š¸¸¢£÷¸ ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ ‚¸¾£ ¬¨¸½’ ƒ¦Æ¨¸’ú) ¢¨¸¢›¸¡¸Ÿ¸¸¨¸¥¸ú, 2021 ˆ½Å ¢¨¸¢›¸¡¸Ÿ¸ 5 ˆ½Å ÷¸í÷¸ ¢›¸š¸¸Ä¢£÷¸ ®¸¢÷¸œ¸»¢÷¸Ä ¬¸¢Ÿ¸¢÷¸ ˆ½Å
³Åœ¸ Ÿ¸Ê ˆÅ¸¡¸Ä ˆÅ£›¸¸. ¬¸½¤¸ú (©¸½¡¸£ ‚¸š¸¸¢£÷¸ ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ ‚¸¾£ ¬¨¸½’ ƒ¦Æ¨¸’ú) ¢¨¸¢›¸¡¸Ÿ¸¸¨¸¥¸ú, 2021 ˆ½Å ÷¸í÷¸ ‚¢š¸™½¢©¸÷¸ ˆÅŸ¸Ä¸¸£ú
¬’¸ÁˆÅ ¢¨¸ˆÅ¥œ¸ ¡¸¸½¸›¸¸/ˆÅŸ¸Ä¸¸£ú ¬’¸ÁˆÅ ¨¸¼¢Ö ‚¢š¸ˆÅ¸£ (‡¬¸‡‚¸£) ¡¸¸½¸›¸¸ ˆÅ¸ œÏ©¸¸¬¸›¸ ‚¸¾£ œ¸¡¸Ä¨¸½®¸µ¸ ˆÅ£›¸¸ ÷¸˜¸¸ ‚›¡¸ ¤¸¸÷¸¸Ê ˆ½Å
¬¸¸˜¸-¬¸¸˜¸ „›¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å ŠÏ½”¸Ê ˆÅ¸½ ‚›¸ºŸ¸¸½¢™÷¸ ˆÅ£›¸¸ ¢¸›íÊ ¢¨¸ˆÅ¥œ¸/‡¬¸‡‚¸£ ¢™‡ ¸¸ ¬¸ˆÅ÷¸½ ˜¸½ ‚¸¾£ ¬¸¸˜¸ íú ¢¨¸ˆÅ¥œ¸/‡¬¸‡‚¸£
ˆÅú ‚›¸ºŸ¸¢÷¸ ™½›¸½ ˆ½Å ¢¥¸‡ ‚œ¸›¸¸‡ ¸¸›¸½ ¨¸¸¥¸½ ‚¸¨¸©¡¸ˆÅ œÏ™©¸Ä›¸ ¬÷¸£ ‚¸¾£/ ¡¸¸ ˆÅ¸½ƒÄ ‚›¡¸ Ÿ¸¸›¸™¿” ¢›¸š¸¸Ä¢£÷¸ ˆÅ£›¸¸.
To act as the Compensation Committee as prescribed under Regulation 5 of the SEBI (Share Based
Employee Benefits and Sweat Equity) Regulations, 2021. To administer and supervise the Employee Stock
Option Scheme/Employee Stock Appreciation Rights (SAR) Scheme of the Bank as mandated under the
SEBI (Share Based Employee Benefits and Sweat Equity) Regulations, 2021 and to inter-alia approve the
grades of employees to whom options/SARs could be granted as well as determine the performance level
and/or any other criteria required to be adopted for grant of options/SARs;

• ¤¸ÿˆÅ ˆÅú ˆÅŸ¸Ä¸¸£ú ¬’¸ÁˆÅ ¢¨¸ˆÅ¥œ¸ ¡¸¸½¸›¸¸/ˆÅŸ¸Ä¸¸£ú ¬’¸ÁˆÅ ¨¸¼¢Ö ‚¢š¸ˆÅ¸£ ¡¸¸½¸›¸¸ ˆÅ¸½ ¢›¸¡¸¿¢°¸÷¸ ˆÅ£›¸½ ¨¸¸¥¸ú ¬¸ž¸ú ©¸÷¸¸½ô ‚¸¾£ ¢›¸¤¸¿š¸›¸¸½¿, „›¸Ÿ¸Ê
¢ˆÅ¬¸ú œ¸¢£¨¸÷¸Ä›¸ ¬¸¢í÷¸,ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ˆÅ£›¸¸ ‚¸¾£ ‚¿¢÷¸Ÿ¸ ³Åœ¸ ™½›¸¸, ¸¸½ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ‚¸¾£/¡¸¸ ‚›¡¸ ¥¸¸Š¸» ˆÅ¸›¸»›¸¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‚¸¨¸©¡¸ˆÅ
‚›¸ºŸ¸¸½™›¸, ¡¸¢™ ‚¸¨¸©¡¸ˆÅ í¸½, ˆÅú œÏ¸¦œ÷¸ ˆ½Å ‚š¸ú›¸ í¸½Š¸¸.
To determine and finalize all the terms and conditions governing the Employee Stock Option
Scheme/Employee Stock Appreciation Rights Scheme of the Bank including any variation thereof
subject to receipt of requisite approval, if required under regulatory and/or other applicable
laws;

• ¢ˆÅ¬¸ú ž¸ú ¬’¸ÁˆÅ ¢¨¸ˆÅ¥œ¸ ¡¸¸½¸›¸¸ ¡¸¸ ‡¬¸‡‚¸£ ¡¸¸½¸›¸¸ Ÿ¸Ê ¬¸¿©¸¸½š¸›¸ ˆÅ¸ ¬¸º¸¸¨¸ ™½›¸¸, ¤¸©¸÷¸½Ä ¢ˆÅ ‡½¬¸ú ¡¸¸½¸›¸¸‚¸Ê Ÿ¸Ê ¬¸ž¸ú ¬¸¿©¸¸½š¸›¸ ¤¸¸½”Ä ˆ½Å
¢¨¸¸¸£ ‚¸¾£ ‚›¸ºŸ¸¸½™›¸ ˆ½Å ‚š¸ú›¸ í¸Ê.
To suggest amendments to any stock option plan or SAR scheme, provided that all amendments to such
plans/schemes shall be subject to consideration and approval of the Board;

• ¨¸¸¢«¸ÄˆÅ ‚¸š¸¸£ œ¸£ ®¸¢÷¸œ¸»¢÷¸Ä ›¸ú¢÷¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸ ‚¸¾£ ¸¤¸ ˆÅž¸ú ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¢™©¸¸¢›¸™½Ä©¸¸Ê/ ‚›¡¸ ˆÅ¸›¸»›¸¸Ê ˆ½Å ÷¸í÷¸ ¤¸ÿˆÅ ˆÅú ˆÅŸ¸Ä¸¸£ú
¬’¸ÁˆÅ ¢¨¸ˆÅ¥œ¸ ¡¸¸½¸›¸¸/ ˆÅŸ¸Ä¸¸£ú ¬’¸ÁˆÅ ¬¸¿¨¸¼¢Ö ‚¢š¸ˆÅ¸£ ¡¸¸½¸›¸¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸ ‚¸¨¸©¡¸ˆÅ í¸½, „¬¸ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸.
To review the Compensation Policy annually and to review the Employee Stock Option Scheme/Employee
Stock Appreciation Rights Scheme of the Bank as and when required under regulatory guidelines/other
laws;

• ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ/ ¬¸¸¿¢¨¸¢š¸ˆÅ ¢™©¸¸-¢›¸™½Ä©¸¸Ê ˆ½Å ÷¸í÷¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ‚¢š¸™½¢©¸÷¸ ¢ˆÅ‡ ‚›¸º¬¸¸£ ˆÅ¸½ƒÄ ž¸ú ž¸»¢Ÿ¸ˆÅ¸ ¢›¸ž¸¸›¸¸.
To carry out any other role as may be mandated to it under regulatory / statutory guidelines from time-to-
time.

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‡›¸‚¸£¬¸ú ˆ½Å ¬¸¸÷¸ ¬¸™¬¡¸ ˜¸½ ¢¸¬¸Ÿ¸Ê ªú ™úœ¸ˆÅ ¢¬¸¿‹¸¥¸ (¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ) ƒ¬¸ˆ½Å ‚š¡¸®¸, ªú ¬¸º©¸ú¥¸ ˆºÅŸ¸¸£ ¢¬¸¿í (¬¸£ˆÅ¸£ú
›¸¸¢Ÿ¸÷¸ú ¢›¸™½©¸ˆÅ), ªú Ÿ¸ºˆ½Å©¸ ˆºÅŸ¸¸£ Š¸ºœ÷¸¸ (‡¥¸‚¸ƒÄ¬¸ú ›¸¸¢Ÿ¸÷¸ú ¢›¸™½©¸ˆÅ) ‚¸¾£ ªú ž¸º¨¸›¸¸›Í ¤¸ú. ¸¸½©¸ú, ªú ‡›¸. ¸¿¤¸º›¸¸˜¸›¸, ªú ’ú. ‡›¸.
Ÿ¸›¸¸½í£›¸ ‡¨¸¿ ªúŸ¸÷¸ú œ¸ú. ¨¸ú. ž¸¸£÷¸ú (¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ) ‚›¡¸ ¬¸™¬¡¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ˜¸½.
As on March 31, 2024, the NRC comprised of seven members with Shri Deepak Singhal (Independent Director) as
its Chairman, Shri Sushil Kumar Singh (Government Nominee Director), Shri Mukesh Kumar Gupta (LIC Nominee
Director) and Shri Bhuwanchandra B Joshi, Shri N. Jambunathan, Shri T. N. Manoharan & Smt. P. V. Bharathi
(Independent Directors) as other members.

394 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
(‰¸) œ¸¸¢£ª¢Ÿ¸ˆÅ œÏ¢ÇÅ¡¸¸‚¸Ê ˆ½Å ¸¿¸½ ‚¸¾£ ¬¸¿£¸›¸¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¸¸›¸ˆÅ¸£ú ‚¸¾£ œ¸¸¢£ª¢Ÿ¸ˆÅ ›¸ú¢÷¸ ˆÅú œÏŸ¸º‰¸ ¢¨¸©¸½«¸÷¸¸‡¿ ‚¸¾£ „Ó½©¡¸À
(b) Information relating to the design and structure of remuneration processes and the key features and
objectives of remuneration policy:

¢¨¸™½©¸ ¦¬˜¸÷¸ ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸Ê ‚¸¾£ ©¸¸‰¸¸‚¸Ê œ¸£ ¥¸¸Š¸» ¬¸úŸ¸¸ ¬¸¢í÷¸ ¤¸ÿˆÅ ˆÅú œ¸¸¢£ª¢Ÿ¸ˆÅ ›¸ú¢÷¸ ˆ½Å ˆÅ¸¡¸Ä®¸½°¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¢¨¸¨¸£µ¸À
A description of the scope of the Bank’s remuneration policy, including the extent to which it is applicable
to foreign subsidiaries and branches:

¤¸ÿˆÅ ›¸½ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™›¸¸¿ˆÅ 4 ›¸¨¸¿¤¸£ 2019 ˆ½Å œ¸¢£œ¸°¸ ¬¸¿.”ú‚¸½‚¸£.‡œ¸úœ¸ú’ú. ¤¸ú¬¸ú.¬¸¿.23/29.67.001/2019-20 ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½
¸¸£ú ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ‚œ¸›¸ú ®¸¢÷¸œ¸»¢÷¸Ä ›¸ú¢÷¸ ÷¸¾¡¸¸£ ˆÅú í¾. ®¸¢÷¸œ¸»¢÷¸Ä ›¸ú¢÷¸ ¤¸ÿˆÅ ˆÅú ‹¸£½¥¸» ©¸¸‰¸¸‚¸Ê/ ˆÅ¸¡¸¸Ä¥¸¡¸¸Ê Ÿ¸Ê ¢›¸¡¸ºÆ÷¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê
ˆ½Å ¢¥¸‡ ‚¸¾£ ƒ¬¸ˆÅú ¢¨¸™½©¸ú ©¸¸‰¸¸‚¸Ê Ÿ¸Ê ¢›¸¡¸ºÆ÷¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å ¢¥¸‡ ž¸ú ¥¸¸Š¸» í¾. ¡¸í ¤¸ÿˆÅ ˆÅú ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸Ê ˆ½Å ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å ¢¥¸‡ ¥¸¸Š¸»
›¸íú¿ í¾.
The Bank has formulated its Compensation Policy based on the Reserve Bank of India guidelines issued vide
Circular No.DOR.Appt.BC.No.23/29.67.001/2019-20 dated November 4, 2019. The Compensation Policy is
applicable to employees appointed at Bank’s domestic branches/offices and also to the employees posted at its
foreign branches (for the purpose of variable pay). It is not applicable to employees of subsidiaries of the Bank.

ƒ¬¸Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å œÏˆÅ¸£ ˆÅ¸ ¢¨¸¨¸£µ¸ ‚¸¾£ ‡½¬¸½ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅú ¬¸¿‰¡¸¸À
A description of the type of employees covered and number of such employees:

ª½µ¸ú 1 / Category 1

‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ ÷¸˜¸¸ ‚›¡¸ ”¤¥¡¸»’ú”úÀ / MD & CEO and Other WTDs:
ƒ¬¸ ª½µ¸ú Ÿ¸Ê ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ ‚¸¾£ ™¸½ „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ (”ú‡Ÿ¸”ú) ©¸¸¢Ÿ¸¥¸ íÿ. ”¤¥¡¸»’ú”ú ˆ½Å ¢¥¸‡ œ¸¸¢£ª¢Ÿ¸ˆÅ ¬¸¿£¸›¸¸ Ÿ¸Ê ¬˜¸¸ƒÄ ¨¸ œ¸¢£¨¸÷¸úÄ
¨¸½÷¸›¸ ©¸¸¢Ÿ¸¥¸ í¾ ‚¸¾£ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ¬˜¸¸ƒÄ ¨¸½÷¸›¸ ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™½¡¸ í¾ ‚¸¾£ ¤¸ÿˆÅ ˆ½Å ˆÅ¸¡¸Ä-¢›¸«œ¸¸™›¸ ¬¸½ ¬¸í¤¸Ö í¾. ¤¸ÿˆÅ ˆ½Å ‡Ÿ¸”ú ‚¸¾£
¬¸úƒÄ‚¸½ ÷¸˜¸¸ ‚›¡¸ œ¸»µ¸ÄˆÅ¸¢¥¸ˆÅ ¢›¸™½©¸ˆÅ¸Ê (”¤¥¡¸»’ú”ú) ˆ½Å ¢¥¸‡ ®¸¢÷¸œ¸»¢÷¸Ä ¬¸¿£¸›¸¸ ‡›¸‚¸£¬¸ú / ¤¸¸½”Ä ×¸£¸ ÷¸¡¸ ˆÅú ¸¸÷¸ú í¾, ¸¸½ ¤¸ÿ¢ˆ¿ÅŠ¸ ¢¨¸¢›¸¡¸Ÿ¸›¸
‚¢š¸¢›¸¡¸Ÿ¸, 1949 ˆÅú š¸¸£¸ 35 ¤¸ú ˆ½Å ‚›¸º¬¸¸£ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ‚›¸ºŸ¸¸½™›¸ ˆ½Å ‚š¸ú›¸ í¾. ®¸¢÷¸œ¸»¢÷¸Ä ˆ½Å ž¸ºŠ¸÷¸¸›¸ ˆ½Å ¢¥¸‡ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸,
2013 ˆÅú š¸¸£¸ 197 ‚¸¾£ ¤¸ÿˆÅˆÅ¸£ú ¢¨¸¢›¸¡¸Ÿ¸›¸ ‚¢š¸¢›¸¡¸Ÿ¸ 1949 ˆÅú š¸¸£¸ 35¤¸ú(1) ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ ¤¸ÿˆÅ ˆ½Å ¬¸¿¬˜¸¸-‚¿÷¸¢›¸Ä¡¸Ÿ¸ ˆ½Å ‰¸¿” 119 ˆ½Å
‚›¸º¬¸¸£ ¤¸ÿˆÅ ˆ½Å ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆÅú Ÿ¸í¸ ¬¸ž¸¸ Ÿ¸Ê ‚›¸ºŸ¸¸½™›¸ ˆÅú ž¸ú ‚¸¨¸©¡¸ˆÅ÷¸¸ í¸½÷¸ú í¾.
This category includes MD & CEO and two Deputy Managing Directors (DMDs). The remuneration structure for
WTDs comprises of fixed and variable pay and variable pay is payable as a percentage of fixed pay and is linked
to the Bank’s performance. The compensation structure for MD & CEO and other Whole Time Directors (WTDs)
of the Bank is fixed by NRC / Board and is subject to approval of Reserve Bank of India in terms of Section 35 B
of the Banking Regulation Act, 1949. The payment of compensation also requires approval of the shareholders of
the Bank in the General Meeting pursuant to clause 119 of Articles of Association of the Bank read with Section
197 of the Companies Act, 2013 and Section 35B (1) of Banking Regulation Act 1949.

ª½µ¸ú 2 / Category 2
÷¸¸¦÷¨¸ˆÅ ¸¸½¢‰¸Ÿ¸ ¥¸½›¸½ ¨¸¸¥¸½ (‡Ÿ¸‚¸£’ú) ‡¨¸¿ ¢›¸¡¸¿°¸ˆÅ ˆÅ¸¡¸Ä ¨¸¸¥¸½ ¬’¸ûÅÀ
Material Risk Takers (MRTs) & Control Function Staff:

÷¸¸¦÷¨¸ˆÅ ¸¸½¢‰¸Ÿ¸ ¥¸½›¸½ ¨¸¸¥¸½ (‡Ÿ¸‚¸£’ú) ‚¸¾£ ¢›¸¡¸¿°¸ˆÅ ˆÅ¸¡¸Ä ¨¸¸¥¸½ ¬’¸ûÅ ˆ½Å œ¸™ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆ½Å ˆ¾Å”£ ‚¢š¸ˆÅ¸¢£¡¸¸Ê ׸£¸ š¸¸¢£÷¸ ¢ˆÅ‡ ¸¸÷¸½
íÿ ÷¸˜¸¸ „›¸ˆÅú ¢›¸¡¸÷¸ ¨¸½÷¸›¸ ¬¸¿£¸›¸¸ Ÿ¸Ê ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ׸£¸ ¬¸Ÿ¸¸›¸¸›÷¸£ ŠÏ½” Ÿ¸Ê ‚›¡¸ ‚¢š¸ˆÅ¸¢£¡¸¸Ê ˆÅ¸½ ‚¸ÁûÅ£ ¢ˆÅ¡¸¸ ¸¸ £í¸ ¨¸½÷¸›¸ ‚¸¾£ ž¸î¸¸Ê
ˆ½Å ¬¸Ÿ¸÷¸º¥¡¸ ¨¸½÷¸›¸ ‡¨¸¿ ž¸î¸½ ©¸¸¢Ÿ¸¥¸ íÿ. ‡Ÿ¸‚¸£’ú ˆ½Å ¢¥¸‡ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ¢›¸¡¸÷¸ ¨¸½÷¸›¸ ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™½¡¸ í¾ ÷¸˜¸¸ ¡¸í ¨¡¸¢Æ÷¸¡¸¸Ê ‚¸¾£
¤¸ÿˆÅ ˆ½Å ˆÅ¸¡¸Ä-¢›¸«œ¸¸™›¸ ¬¸½ ¬¸í¤¸Ö í¾. ¢›¸¡¸¿°¸ˆÅ ˆÅ¸¡¸Ä ¬’¸ûÅ ˆ½Å ¢¥¸‡ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ „›¸ˆ½Å ¨¡¸¢Æ÷¸Š¸÷¸ ˆÅ¸¡¸Ä-¢›¸«œ¸¸™›¸ ¬¸½ ¬¸í¤¸Ö í¾; ¤¸ÿˆÅ ˆ½Å ¬¸Ÿ¸ŠÏ
ˆÅ¸¡¸Ä-¢›¸«œ¸¸™›¸ ˆÅ¸½ œÏ¸˜¸¢Ÿ¸ˆÅ œ¸¸°¸÷¸¸ ÷¸¡¸ ˆÅ£÷¸½ ¬¸Ÿ¸¡¸ š¡¸¸›¸ Ÿ¸Ê £‰¸¸ ¸¸÷¸¸ í¾.
The positions of Material Risk Takers (MRTs) & Control Function Staff are held by cadre officers of IDBI Bank and
their fixed pay structure comprising of pay and allowances is equivalent to the pay & allowances being offered by
IDBI Bank to the other parallel grade officers. Variable pay is payable as a percentage of fixed pay and is linked
to individual and Bank’s performance for the MRTs. Variable Pay of Control Function Staff is majorly linked to
their individual performance; overall business performance of the Bank is reckoned only for ascertaining primary
eligibility.

dm{f©H$ [anmoQ>© Annual Report 2023-24 395

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
ª½µ¸ú 3 / Category 3
‚›¡¸ ‚¢š¸ˆÅ¸£ú ‚¸¾£ ˆÅŸ¸Ä¸¸£úÀ / Other Officers and Employees:
Ÿ¸¸¾¸»™¸ ›¸ú¢÷¸ ˆ½Å ‚›¸º¬¸¸£ ‚š¸ú›¸¬˜¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê, ¢¥¸¢œ¸ˆÅú¡¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ‚¸¾£ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ ˆ½Å ŠÏ½” ÷¸ˆÅ ˆ½Å ‚¢š¸ˆÅ¸¢£¡¸¸Ê ˆ½Å ¢›¸¡¸÷¸ ¨¸½÷¸›¸
¬¸¿£¸›¸¸ ‡ˆÅ ¢›¸š¸¸Ä¢£÷¸ ¬¸¿£¸›¸¸ í¾ ¸¸½ ž¸¸£÷¸ú¡¸ ¤¸ÿˆÅ ¬¸¿‹¸ (‚¸ƒÄ¤¸ú‡) ˆ½Å ¨¸½÷¸›¸Ÿ¸¸›¸ ‚¸¾£ ž¸î¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ÷¸¾¡¸¸£ ˆÅú Š¸ƒÄ í¾ ÷¸˜¸¸ ¡¸í 5 ¨¸«¸Ä ˆÅú
‚¨¸¢š¸ ˆ½Å ¢¥¸‡ „Ô¸¸½Š¸ ¬÷¸£ú¡¸ ¬¸Ÿ¸¸¸¾÷¸½ ˆ½Å ¬¸¸˜¸ ¬¸Ÿ¸¸œ÷¸ í¸½÷¸ú í¾. ƒ¬¸ ª½µ¸ú ˆ½Å ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å ¢¥¸‡ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ¢›¸¡¸÷¸ ¨¸½÷¸›¸ ˆ½Å œÏ¢÷¸©¸÷¸/
‚›¸ºœ¸¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™½¡¸ í¾ ÷¸˜¸¸ ¡¸í ¨¡¸¢Æ÷¸Š¸÷¸ ‚¸¾£ ¤¸ÿˆÅ ˆ½Å ˆÅ¸¡¸Ä-¢›¸«œ¸¸™›¸ ¬¸½ ¬¸í¤¸Ö í¾.
As per the current policy, the fixed pay structure of subordinate staff, clerical staff and officer’s upto the grade of
Executive Director is drawn on the lines of the Indian Banks’ Association (IBA) pay scales and allowances and runs
co-terminus with the industry level settlements for a period of 5 years. Variable Pay as a percentage/ proportion of
fixed pay is payable to this category of employees and is linked to the individual and Bank’s performance.

‚¢š¸ˆÅ¸¢£¡¸¸Ê ‚¸¾£ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅú ¬¸¿‰¡¸¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾ / Count of Officers and employees is given below:

ŠÏ½” / Grade ¬¸¿‰¡¸¸ / Count

‚¢š¸ˆÅ¸£ú (ŠÏ½” ‡ ¬¸½ ƒÄ”ú) / Officers (Gr A to ED) 16,341

‡Æ¸úÆ¡¸»¢’¨¸* / Executives* 1,951

¢¥¸¢œ¸ˆÅú¡¸ / Clerical 341

‚š¸ú›¸¬˜¸ / Subordinates 380

ˆºÅ¥¸ ¡¸¸½Š¸ / Grand Total 19,013

* ‡Æ¸úÆ¡¸»¢’¨¸ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ˆ½Å ¢¥¸‡ œ¸¸°¸ ›¸íú¿ í¾.

*Executives and employees on contract are not eligible for Variable Pay.

œ¸¸¢£ª¢Ÿ¸ˆÅ ›¸ú¢÷¸ ˆ½Å „Ó½©¡¸ / Objectives of remuneration policy:

ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ (¢£{¸¨¸Ä ¤¸ÿˆÅ) ‚¸¾£ ¢¨¸î¸ú¡¸ ¦¬˜¸£÷¸¸ ¤¸¸½”Ä (‡ûöҬ¸¤¸ú) ׸£¸ ¢›¸š¸¸Ä¢£÷¸ ¢™©¸¸-¢›¸™½Ä©¸¸Ê ˆÅ¸ œ¸¸¥¸›¸ ˆÅ£÷¸½ íº‡, ¤¸ÿˆÅ í£ ¬¸Ÿ¸¡¸,
®¸¢÷¸œ¸»¢÷¸Ä ˆÅú ‚¸¿÷¸¢£ˆÅ ³Åœ¸ ¬¸½ ›¡¸¸¡¸¬¸¿Š¸÷¸ ‚¸¾£ ¤¸¸í£ú ³Åœ¸ ¬¸½ œÏ¢÷¸¬œ¸š¸úÄ ›¸ú¢÷¸ ˆÅ¸ œ¸¸¥¸›¸ ˆÅ£½Š¸¸. ®¸¢÷¸œ¸»¢÷¸Ä ˆ½Å ¬÷¸£ ˆÅ¸½ ƒ¬¸ œÏˆÅ¸£ ¢”{¸¸ƒ›¸ ¢ˆÅ¡¸¸
¸¸‡Š¸¸ ¢ˆÅ ¤¸ÿˆÅ ˆÅú ¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ ¡¸¸½¸›¸¸‚¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¬¸¤¸¬¸½ „œ¸¡¸ºÆ÷¸ œÏ¢÷¸ž¸¸ ˆÅ¸½ ‚¸ˆÅ¢«¸Ä÷¸ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆ½Å ¨¸ „›íÊ £¸½ˆ½Å £‰¸›¸½ Ÿ¸Ê Ÿ¸™™
¢Ÿ¸¥¸ ¬¸ˆ½Å.
The Bank shall follow a compensation policy that is internally equitable and externally competitive, while complying,
at all times, with the guidelines set forth by the Reserve Bank of India (RBI) and the Financial Stability Board (FSB).
The compensation levels shall be designed to enable attraction & retention of the most suitable talent for delivering
on the Bank’s business plans.

Æ¡¸¸ œ¸¸¢£ª¢Ÿ¸ˆÅ ¬¸¢Ÿ¸¢÷¸ ›¸½ ¢œ¸Ž¥¸½ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ˆÅú œ¸¸¢£ª¢Ÿ¸ˆÅ ›¸ú¢÷¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅú ‚¸¾£ ¡¸¢™ í¸¿, ÷¸¸½ ¢ˆÅ‡ Š¸‡ œ¸¢£¨¸÷¸Ä›¸¸Ê
ˆÅ¸ ‡ˆÅ ¢¨¸í¿Š¸¸¨¸¥¸¸½ˆÅ›¸
Whether the remuneration committee reviewed the Bank’s remuneration policy during the past year and if
so, an overview of any changes that were made.

¨¸«¸Ä 2023-24 ˆ½Å ™¸¾£¸›¸ ®¸¢÷¸œ¸»¢÷¸Ä ›¸ú¢÷¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅú Š¸ƒÄ. Ÿ¸¾¥¸¬¸ ‚¸¾£ Æ¥¸¸¤¸¾ˆÅ ¬¸½ ¬¸¿¤¸¿š¸ú œÏ¸¨¸š¸¸›¸¸Ê ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅú Š¸ƒÄ.
The Compensation Policy was reviewed during the year 2023-24. The provisions regarding malus and clawback
were reviewed.

¤¸ÿˆÅ ¡¸í ˆ¾Å¬¸½ ¬¸º¢›¸¢ä¸÷¸ ˆÅ£÷¸¸ í¾ ¢ˆÅ ¸¸½¢‰¸Ÿ¸ ‚¸¾£ ‚›¸ºœ¸¸¥¸›¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ „›¸ ˆ½Å ׸£¸ ¢ˆÅ‡ ¸¸›¸½ ¨¸¸¥¸½ ¨¡¸¨¸¬¸¸¡¸¸Ê ¬¸½ ¬¨¸÷¸¿°¸
³Åœ¸ ¬¸½ œ¸¸¢£ª¢Ÿ¸ˆÅ ¢™¡¸¸ ¸¸‡, ƒ¬¸ œ¸£ ¸¸¸Ä.
A discussion of how the Bank ensures that risk and compliances employees are remunerated independently
of the businesses they oversee.

ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ-Ÿ¸º‰¡¸ ¸¸½¢‰¸Ÿ¸ ‚¢š¸ˆÅ¸£ú, ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ-Ÿ¸º‰¡¸ ‚›¸ºœ¸¸¥¸›¸ ‚¢š¸ˆÅ¸£ú, ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ-¥¸½‰¸¸ œ¸£ú®¸¸, š¸¸½‰¸¸š¸”õú
¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ¬¸Ÿ¸»í ‡¨¸¿ ‚¸¿÷¸¢£ˆÅ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ ‚¸¾£ Ÿ¸º‰¡¸ Ÿ¸í¸œÏ¤¸¿š¸ˆÅ - Ÿ¸º‰¡¸ ¢¨¸î¸ú¡¸ ‚¢š¸ˆÅ¸£ú ˆ½Å œ¸™ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆ½Å ˆ¾Å”£
‚¢š¸ˆÅ¸¢£¡¸¸Ê ˆ½Å œ¸¸¬¸ íÿ ‚¸¾£ „›¸ˆ½Å ¨¸½÷¸›¸Ÿ¸¸›¸ ¨¸ ž¸î¸½ ¡¸¸›¸ú ¢›¸¡¸÷¸ ¨¸½÷¸›¸ ‚›¡¸ ¬¸Ÿ¸¸›¸¸¿÷¸£ ŠÏ½” ‚¢š¸ˆÅ¸¢£¡¸¸Ê ˆÅ¸½ œ¸½©¸ ¢ˆÅ‡ ¸¸ £í½ ¨¸½÷¸›¸Ÿ¸¸›¸ ‚¸¾£
ž¸î¸¸Ê ˆ½Å ¤¸£¸¤¸£ í¾ ÷¸˜¸¸ ƒ¬¸½ ¤¸ÿˆÅ ׸£¸ ¤¸¸½”Ä ˆ½Å ‚›¸ºŸ¸¸½™›¸ ¬¸½ ‚¿¢÷¸Ÿ¸ ³Åœ¸ ¢™¡¸¸ Š¸¡¸¸ í¾. í¸¥¸¸¿¢ˆÅ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ „›¸ˆ½Å ¨¡¸¢Æ÷¸Š¸÷¸ ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ¬¸½
¸º”õ¸ íº‚¸ í¾; ¤¸ÿˆÅ ˆ½Å ¬¸Ÿ¸ŠÏ ¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ˆÅ¸½ ˆ½Å¨¸¥¸ œÏ¸˜¸¢Ÿ¸ˆÅ œ¸¸°¸÷¸¸ ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¢Š¸›¸¸ ¸¸÷¸¸ í¾.

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 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
The positions of Executive Director-Chief Risk Officer, Executive Director-Chief Compliance Officer, Executive
Director-Audit, Fraud Risk Management Group & Internal Auditor and Chief General Manager-Chief Financial
Officer are held by cadre officers of IDBI Bank and their pay scale and allowances i.e. fixed pay is equivalent to
the pay scales and allowances being offered to other parallel grade officers and is finalized by the Bank with the
approval of the Board. The Variable Pay is, however, linked to their individual performance and overall business
performance of the Bank is reckoned only for ascertaining primary eligibility.

(Š¸) œ¸¸¢£ª¢Ÿ¸ˆÅ œÏ¢ÇÅ¡¸¸‚¸Ê Ÿ¸Ê ¨¸÷¸ÄŸ¸¸›¸ ‚¸¾£ ž¸¢¨¸«¡¸ ˆ½Å ¸¸½¢‰¸Ÿ¸¸Ê ˆÅ¸½ ©¸¸¢Ÿ¸¥¸ ˆÅ£›¸½ ˆ½Å ÷¸£úˆÅ¸Ê ˆÅ¸ ¢¨¸¨¸£µ¸. ƒ¬¸Ÿ¸Ê ƒ›¸ ¸¸½¢‰¸Ÿ¸¸Ê ˆÅ¸
š¡¸¸›¸ £‰¸›¸½ ˆ½Å ¢¥¸‡ „œ¸¡¸¸½Š¸ ¢ˆÅ‡ ¸¸›¸½ ¨¸¸¥¸½ œÏŸ¸º‰¸ „œ¸¸¡¸¸Ê ˆÅ¸ ¬¨¸³Åœ¸ ‚¸¾£ œÏˆÅ¸£ ©¸¸¢Ÿ¸¥¸ í¸½›¸½ ¸¸¢í‡.
(c ) Description of the ways in which current and future risks are taken into account in the remuneration
processes. It includes the nature and type of the key measures used to take account of these risks.

¸¸½¢‰¸Ÿ¸ ‚¸¾£ ¬¸Ÿ¸¡¸ œ¸¢£¢š¸ ˆ½Å ¬¸¸˜¸ œ¸¸¢£ª¢Ÿ¸ˆÅ ˆÅ¸½ ¬¸¿£½¢‰¸÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¢¸¬¸ˆ½Å ÷¸í÷¸ ¨¸½ „ž¸£÷¸½ íÿ, ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ ÷¸˜¸¸ „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ¸Ê
¬¸¢í÷¸ ¨¸¢£«“ œÏ¤¸¿š¸›¸ ˆÅ¸ œ¸¢£ª¢Ÿ¸ˆÅ ˆ½Å Ÿ¸í÷¨¸œ¸»µ¸Ä ž¸¸Š¸ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ¨¡¸¨¸¬˜¸¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‚¸÷¸½ íÿ. œ¸¢£¨¸÷¸úÄ ®¸¢÷¸œ¸»¢÷¸Ä ›¸ˆÅ™ ‚¸¾£ Š¸¾£ - ›¸ˆÅ™*
‹¸’ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ™½¡¸ í¾ ÷¸˜¸¸ 3 ¨¸«¸¸½ô ¡¸¸ „¬¸¬¸½ ‚¢š¸ˆÅ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ‚¸¬˜¸¢Š¸÷¸ í¾. œ¸¸¢£ª¢Ÿ¸ˆÅ ¬¸Ÿ¸¸¡¸¸½¸›¸¸Ê ˆÅ¸ œÏž¸¸¨¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ‚¸¾£/ ¡¸¸
¨¡¸¸œ¸¸£ ƒˆÅ¸ƒ¡¸¸Ê ׸£¸ ˆÅú Š¸ƒÄ ˆÅ¸£Ä¨¸¸ƒÄ ‚¸¾£ ¤¸ÿˆÅ ׸£¸ ¥¸ú Š¸ƒÄ ¸¸½¢‰¸Ÿ¸ ˆ½Å ¬÷¸£ œ¸£ „›¸ˆ½Å œÏž¸¸¨¸ ˆ½Å ¬¸¸˜¸ ¬¸¿¤¸Ö í¾. „™¸¢¡¸÷¨¸ ˆ½Å „¸ ¬÷¸£
œ¸£ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ˆÅ¸ ‚›¸ºœ¸¸÷¸ „¸ í¾. ¤¸ÿˆÅ ˆ½Å ¢¨¸î¸ú¡¸ ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ˆ½Å ‚¸š¸¸£ œ¸£ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ˆÅú £¸¢©¸ ˆÅ¸½ ©¸»›¡¸ ÷¸ˆÅ ž¸ú ‹¸’¸¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸
í¾. ƒ¬¸ˆ½Å ‚¢÷¸¢£Æ÷¸, œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ¤¸ÿˆÅ ˆÅú ®¸¢÷¸œ¸»¢÷¸Ä ›¸ú¢÷¸ ˆ½Å Ÿ¸¾¥¸¬¸ ‚¸¾£ Æ¥¸¸¤¸¾ˆÅ œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚š¸ú›¸ í¾.
In order to align remuneration with the risk and the time horizons over which they could emerge, a substantial
portion of the senior management remuneration including that of MD & CEO and Deputy Managing Directors
is under variable pay arrangement. The variable compensation is payable in the form of cash and non-cash*
components and is deferred over a period of 3 years or more. The impact of remuneration adjustments is linked
to actions taken by employees and/or business units, and their impact on the level of risk taken on by the Bank.
At higher level of responsibility, the proportion of variable pay is higher. The amount of variable pay can even be
reduced to zero depending on the financial performance of the Bank. In addition, variable pay is subject to the
malus and clawback provisions of the Compensation Policy of the Bank.

(‹¸) „›¸ ÷¸£úˆÅ¸Ê ˆÅ¸ ¢¨¸¨¸£µ¸ ¢¸¬¸Ÿ¸Ê ¤¸ÿˆÅ ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ Ÿ¸¸œ¸ ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ˆÅ¸½ œ¸¸¢£ª¢Ÿ¸ˆÅ ˆ½Å ¬÷¸£¸Ê ˆ½Å ¬¸¸˜¸ ¸¸½”õ›¸¸
¸¸í÷¸¸ í¾À
(d) Description of the ways in which the Bank seeks to link performance during a performance measurement
period with levels of remuneration:

œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸, ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ Ÿ¸¸œ¸›¸ ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ׸£¸ ‚¢š¸ˆÅ÷¸Ÿ¸ ˆÅ¸¡¸ÄˆÅ¸¥¸ ˆ½Å ¢¥¸‡ ŠÏ½” ‚¸¾£ ¢›¸ž¸¸ƒÄ Š¸ƒÄ ž¸»¢Ÿ¸ˆÅ¸ ˆ½Å ‚¸š¸¸£
œ¸£ ™½¡¸ í¸½Š¸¸. ¥¸¢®¸÷¸ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ¢›¸¡¸÷¸ ¨¸½÷¸›¸ ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¡¸¸ ¢™›¸¸Ê ˆÅú ¬¸¿‰¡¸¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™½¡¸ í¸½Š¸¸. „™¸¢¡¸÷¨¸ ˆ½Å „¸ ¬÷¸£ œ¸£
œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ˆÅ¸ ‚›¸ºœ¸¸÷¸ „¸ í¾. œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ˆ½Å œÏ¡¸¸½¸›¸ ˆ½Å ¢¥¸‡ š¡¸¸›¸ Ÿ¸Ê £‰¸½ Š¸‡ ˆÅ¸£ˆÅ ¢›¸Ÿ›¸ íÿ.
Variable Pay shall be payable basis the grade and role performed by employees for maximum tenure during the
performance measurement period. The target Variable Pay shall be payable as a percentage or in terms of number
of days of Fixed Pay. At higher level of responsibility, the proportion of variable pay is higher. The factors taken into
account for the purpose of variable pay are:

• ¤¸ÿˆÅ ˆÅ¸ ˆÅ¸¡¸Ä-¢›¸«œ¸¸™›¸ / The performance of the Bank

• ˆÅŸ¸Ä¸¸£ú ˆÅ¸ ¨¡¸¢Æ÷¸Š¸÷¸ ˆÅ¸¡¸Ä-¢›¸«œ¸¸™›¸/ ŠÏ½”/ ž¸»¢Ÿ¸ˆÅ¸ / Individual performance/grade/role of the employee
• ‚›¡¸ ¸¸½¢‰¸Ÿ¸ š¸¸£µ¸¸‡¿ / Other risk perceptions.

(Œ) œ¸¢£¨¸÷¸úÄ œ¸¸¢£ª¢Ÿ¸ˆÅ ˆ½Å ‚¸¬˜¸Š¸›¸ ‚¸¾£ ¢›¸¢í÷¸ ˆÅ£›¸½ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¤¸ÿˆÅ ˆÅú ›¸ú¢÷¸ œ¸£ ¸¸¸Ä ÷¸˜¸¸ ¢›¸¢í÷¸ ˆÅ£›¸½ ¬¸½ œ¸í¥¸½ ‡¨¸¿ ˆÅ£›¸½ ˆ½Å
¤¸¸™ Ÿ¸Ê ‚¸¬˜¸¢Š¸÷¸ œ¸¸¢£ª¢Ÿ¸ˆÅ ˆÅ¸ ¬¸Ÿ¸¸¡¸¸½¸›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆÅú ›¸ú¢÷¸ ‚¸¾£ Ÿ¸¸œ¸™¿”¸Ê œ¸£ ¸¸¸Ä.
(e) A discussion of the Bank’s policy on deferral and vesting of variable remuneration and a discussion of the
Bank’s policy and criteria for adjusting deferred remuneration before vesting and after vesting:

(ˆÅ) œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ˆ½Å œÏ¡¸¸½¸›¸ í½÷¸º, ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ª½¢µ¸¡¸¸Ê Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
(a) For the purpose of Variable pay, employees have been grouped into following categories.
i) œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ ¬¸úƒÄ‚¸½ ‚¸¾£ ‚›¡¸ ”¤¸¥¡¸»’ú”ú / MD & CEO and other WTDs
ii) ÷¸¸¢÷¨¸ˆÅ ¸¸½¢‰¸Ÿ¸ ¥¸½›¸½ ¨¸¸¥¸½ / Material Risk Takers

dm{f©H$ [anmoQ>© Annual Report 2023-24 397

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
iii) ¢›¸¡¸¿°¸µ¸ ˆÅ¸¡¸Ä ˆÅ£›¸½ ¨¸¸¥¸½ ¬’¸ûÅ / Control Function Staff
iv) ‚›¡¸ ‚¢š¸ˆÅ¸£ú / Other Employees

(‰¸) ‡Ÿ¸‚¸£’ú ˆÅú œ¸í¸¸›¸ ˆ½Å ¢¥¸‡ Ÿ¸¸›¸™¿” ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ íÿÀ

(b) The criteria for identification of MRTs are as under:
¬’¸ûÅ ¬¸™¬¡¸ ¸¸½ Š¸ºµ¸¸÷Ÿ¸ˆÅ Ÿ¸¸›¸™¿” ‚¸¾£ ›¸ú¸½ ¢™‡ Š¸‡ ¢¨¸¨¸£µ¸ ˆ½Å ‚›¸º¬¸¸£ Ÿ¸¸°¸¸÷Ÿ¸ˆÅ Ÿ¸¸›¸™¿”¸Ê Ÿ¸Ê ¬¸½ ¢ˆÅ¬¸ú ‡ˆÅ ˆÅ¸½ œ¸»£¸ ˆÅ£÷¸½ íÿÀ
The staff members who satisfy the qualitative criteria and any one of the quantitative criteria as detailed
below:

(I) Ÿ¸¸›¸ˆÅ Š¸ºµ¸¸÷Ÿ¸ˆÅ Ÿ¸¸›¸™¿”À / Standard Qualitative Criteria:

• ¬¸¿¡¸ºÆ÷¸ ³Åœ¸ ¬¸½ ¡¸¸ ¨¡¸¢Æ÷¸Š¸÷¸ ³Åœ¸ ¬¸½, ¸¸½¢‰¸Ÿ¸ ‡Æ¬¸œ¸¸½¸£ ‚¸¢™ ˆ½Å ¢¥¸‡ Ÿ¸í÷¨¸œ¸»µ¸Ä ³Åœ¸ ¬¸½ œÏ¢÷¸¤¸Ö í¸½›¸½ ¨¸¸¥¸½ ¬’¸ûÅ
¬¸™¬¡¸¸Ê (¸¾¬¸½ œÏ¤¸¿š¸›¸ ¢›¸ˆÅ¸¡¸ ˆ½Å ¬¸™¬¡¸) ˆÅú ž¸»¢Ÿ¸ˆÅ¸ ‚¸¾£ ¢›¸µ¸Ä¡¸ ¥¸½›¸½ ˆÅú ©¸¢Æ÷¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ íÿ.
Relate to the role and decision-making power of staff members (e.g. member of management
body) having jointly or individually, the authority to commit significantly to risk exposures, etc.

(II) Ÿ¸¸›¸ˆÅ Ÿ¸¸°¸¸÷Ÿ¸ˆÅ Ÿ¸¸›¸™¿”À / Standard Quantitative Criteria:

• „›¸ˆÅ¸ ˆºÅ¥¸ œ¸¸¢£ª¢Ÿ¸ˆÅ ‡ˆÅ ¢›¸¢ä¸÷¸ ¬¸úŸ¸¸ ¬¸½ ‚¢š¸ˆÅ í¾ (¤¸¸½”Ä ˆÅ¸½ ‚›¸ºŸ¸¸½™›¸ ˆ½Å ¢¥¸‡ ‡›¸‚¸£¬¸ú ׸£¸ ‚›¸º©¸¿¢¬¸÷¸);
¢¸¬¸ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ¤¸ÿˆÅ ׸£¸ ¢¨¸¨¸½ˆÅœ¸»µ¸Ä ¿Š¸ ¬¸½ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾, ‚˜¸¨¸¸
Their total remuneration exceeds a certain threshold (to be recommended by NRC to the
Board for approval); the determination of which may be done prudently by the bank, or

• ¨¸½ ¤¸ÿˆÅ Ÿ¸Ê „¸÷¸Ÿ¸ œ¸¸¢£ª¢Ÿ¸ˆÅ ¨¸¸¥¸½ 0.3% ˆÅŸ¸Ä¸¸¢£¡¸¸Ê Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ íÿ, ‚˜¸¨¸¸
They are included among the 0.3% of staff with the highest remuneration in the bank, or

• „›¸ˆÅ¸ œ¸¸¢£ª¢Ÿ¸ˆÅ ¨¸¢£«“ œÏ¤¸¿š¸›¸ ‚¸¾£ ‚›¡¸ ¸¸½¢‰¸Ÿ¸ ¥¸½›¸½ ¨¸¸¥¸¸Ê ˆ½Å ›¡¸»›¸÷¸Ÿ¸ œ¸¸¢£ª¢Ÿ¸ˆÅ ˆ½Å ¤¸£¸¤¸£ ¡¸¸ „¬¸¬¸½ ‚¢š¸ˆÅ
í¾.
Their remuneration is equal to or greater than the lowest remuneration of senior management
and other risk-takers.

¤¸¸½”Ä, ‡›¸‚¸£¬¸ú ˆÅú ¢¬¸ûŸ¢£©¸ œ¸£, ÷¸¸¦÷¨¸ˆÅ ¸¸½¢‰¸Ÿ¸ ¥¸½›¸½ ¨¸¸¥¸¸Ê (‡Ÿ¸‚¸£’ú) ˆÅ¸½ ¢›¸¢™Ä«’ ˆÅ£½Š¸¸ ¢¸›¸ ˆ½Å ˆÅ¸¡¸¸½ô ˆÅ¸ ¬¸Ÿ¸¡¸-
¬¸Ÿ¸¡¸ œ¸£ ¤¸ÿˆÅ ˆ½Å ¸¸½¢‰¸Ÿ¸ ‡Æ¬¸œ¸¸½¸£ œ¸£ Ÿ¸í÷¨¸œ¸»µ¸Ä œÏž¸¸¨¸ œ¸”õ÷¸¸ í¾.
The Board, on recommendation of NRC, shall specify Material Risk Takers (MRTs) whose actions
have a material impact on the risk exposure of the bank from time-to-time.

(Š¸) ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ (ƒÄ”ú)/ Ÿ¸º‰¡¸ Ÿ¸í¸œÏ¤¸¿š¸ˆÅ (¬¸ú¸ú‡Ÿ¸) ŠÏ½” ˆ½Å ˆÅŸ¸Ä¸¸£ú ‚¸¾£ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ˆÅ¸¡¸Ä®¸½°¸ Ÿ¸Ê ¢›¸¡¸ºÆ÷¸ ˆÅ¸½ `¢›¸¡¸¿°¸µ¸
ˆÅŸ¸Ä¸¸£ú ¬’¸ûÅ' ª½µ¸ú ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ íÿÀ
(c) Employees in Executive Directors (ED)/ Chief General Manager (CGM) Grade and engaged in following
functions are classified under Control Function Staff category

i) Ÿ¸º‰¡¸ ¸¸½¢‰¸Ÿ¸ ‚¢š¸ˆÅ¸£ú / Chief Risk Officer

ii) Ÿ¸º‰¡¸ ‚›¸ºœ¸¸¥¸›¸ ‚¢š¸ˆÅ¸£ú / Chief Compliance Officer
iii) Ÿ¸º‰¡¸ ¢¨¸î¸ú¡¸ ‚¢š¸ˆÅ¸£ú / Chief Financial Officer
iv) ‚¸¿÷¸¢£ˆÅ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ / Internal Auditor

• œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ / Variable Pay

œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸÷¸½ íº‡ ›¸ˆÅ™ ‚¸¾£ ©¸½¡¸£ ¢¥¸¿Æ” ‹¸’ˆÅ¸Ê ˆ½Å ¤¸ú¸ „¢¸÷¸ ¬¸¿÷¸º¥¸›¸ ˆ½Å ¬¸¸˜¸ ›¸ˆÅ™
‚¸¾£ ©¸½¡¸£- ¢¥¸¿Æ” ¢¥¸‰¸÷¸¸Ê ˆÅ¸ ¢Ÿ¸ªµ¸ í¸½Š¸¸. ©¸½¡¸£ ‚¸š¸¸¢£÷¸ ‡¥¸’ú‚¸ƒÄ ˆÅ¸ ûŸ½ˆÅ¬¸ ™ú‹¸ÄˆÅ¸¢¥¸ˆÅ ©¸½¡¸£š¸¸£ˆÅ Ÿ¸»¥¡¸ ¢›¸Ÿ¸¸Äµ¸ œ¸£ í¸½Š¸¸.
„Æ÷¸ ˆ½Å Ÿ¸Ó½›¸¸£ ©¸½¡¸£ ‚¸š¸¸¢£÷¸ ‡¥¸’ú‚¸ƒÄ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ˆ½Å ¢í¬¬¸½ ˆ½Å ³Åœ¸ Ÿ¸Ê ¬¨¸úˆ¼Å÷¸ í¸½Š¸¸ ‚¸¾£ ƒ¬¸ˆÅ¸ ¤¥¸¾ˆÅ-丸½¥¬¸ Ÿ¸¸Á”¥¸ ¡¸¸
¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ(ˆÅ¸Ê) ׸£¸ ¢›¸™½Ä¢©¸÷¸ ¢ˆÅ¬¸ú ‚›¡¸ Ÿ¸¸Á”¥¸ ˆ½Å „œ¸¡¸¸½Š¸ ׸£¸ ¬¨¸úˆ¼Å¢÷¸ ˆ½Å ¢™›¸ „¢¸÷¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸. ˆ½Å¨¸¥¸ ‡½¬¸½ Ÿ¸¸Ÿ¸¥¸¸Ê
Ÿ¸Ê ¸í¸¿ ©¸½¡¸£ ¢¥¸¿Æ” ¢¥¸‰¸÷¸¸Ê ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ®¸¢÷¸œ¸»¢÷¸Ä, ˆÅ¸›¸»›¸/ ¢¨¸¢›¸¡¸Ÿ¸›¸¸Ê ׸£¸ ¬¨¸úˆ¼Å÷¸ ›¸íú¿ í¾, ¬¸Ÿœ¸»µ¸Ä œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ›¸ˆÅ™ ˆ½Å ³Åœ¸ Ÿ¸Ê
í¸½ ¬¸ˆÅ÷¸¸ í¾.

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The Variable Pay shall be a mix of cash and share-linked instruments with proper balance between cash
and share linked components in keeping with the RBI guidelines. The focus of share-based LTI will be on
long-term shareholder value creation. In view of the same, share-based LTI shall be granted as a part of
Variable Pay and it shall be fair valued on the date of grant by using the Black-Scholes Model or any other
model as may be directed by the Regulator(s). Only in cases where the compensation by way of share-
linked instruments is not permitted by statute/regulations, the entire variable pay can be in the form of cash.
œ¸»µ¸ÄˆÅ¸¢¥¸ˆÅ ¢›¸™½©¸ˆÅ¸Ê ˆ½Å ¢¥¸‡ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ¤¸ÿˆÅ-¨¡¸¸œ¸ú œÏ™©¸Ä›¸ Ÿ¸¸›¸™¿”¸Ê ˆÅú „œ¸¥¸¦¤š¸ œ¸£ ‚¸š¸¸¢£÷¸ í¾. ÷¸¸¦÷¨¸ˆÅ ¸¸½¢‰¸Ÿ¸
¥¸½›¸½ ¨¸¸¥¸½(‡Ÿ¸‚¸£’ú) ‚¸¾£ ‚›¡¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ¨¡¸¢Æ÷¸Š¸÷¸ ‡¨¸¿ ¤¸ÿˆÅ-¨¡¸¸œ¸ú œÏ™©¸Ä›¸ Ÿ¸¸›¸™¿”¸Ê ˆÅú „œ¸¥¸¦¤š¸
œ¸£ ‚¸š¸¸¢£÷¸ í¾. ¢›¸¡¸¿°¸µ¸ ˆÅ¸¡¸Ä ˆÅŸ¸Ä¸¸£ú ¬’¸ûÅ ˆ½Å œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ „›¸ˆÅú ¨¡¸¢Æ÷¸Š¸÷¸ ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ¬¸½ ¬¸¿¤¸Ö í¾; ¤¸ÿˆÅ ˆ½Å ¬¸Ÿ¸ŠÏ
ˆÅ¸¡¸Ä-¢›¸«œ¸¸™›¸ ˆÅ¸½ œÏ¸˜¸¢Ÿ¸ˆÅ œ¸¸°¸÷¸¸ ÷¸¡¸ ˆÅ£÷¸½ ¬¸Ÿ¸¡¸ š¡¸¸›¸ Ÿ¸Ê £‰¸¸ ¸¸÷¸¸ í¾.
The assessment of variable pay is based on achievement of Bank-wide performance parameters for Whole
Time Directors. For Material Risk Takers (MRTs) and other employees the assessment of variable pay is
based on achievement of individual as well as Bank-wide performance parameters. For Control Function
staff the assessment of variable pay is linked to their individual performance; overall business performance
of the Bank is reckoned only for ascertaining primary eligibility.
(ˆÅ) œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ˆÅú ¬¸úŸ¸¸
a. Limit on Variable Pay:

‚. ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ ‚¸¾£ ‚›¡¸ œ¸»µ¸ÄˆÅ¸¢¥¸ˆÅ ¢›¸™½©¸ˆÅ¸Ê ˆ½Å ¢¥¸‡

A. For MD & CEO and Other Whole Time Directors

i. ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ‚¸¾£ ‚›¡¸ ¢›¸¡¸Ÿ¸¸Ê ‡¨¸¿ ¢¨¸¢›¸¡¸Ÿ¸¸Ê ˆ½Å ‚›¸ºœ¸¸¥¸›¸ Ÿ¸Ê ˆºÅ¥¸ ®¸¢÷¸œ¸»¢÷¸Ä ˆÅ¸ ›¡¸»›¸÷¸Ÿ¸
50% œ¸¢£¨¸÷¸úÄ í¸½Š¸¸ ‚¸¾£ ¤¸ÿˆÅ-¨¡¸¸œ¸ú œÏ™©¸Ä›¸ ˆ½Å ‚¸š¸¸£ œ¸£ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸. ˆºÅ¥¸ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸
¢›¸¡¸÷¸ ¨¸½÷¸›¸ ˆÅ¸ ‚¢š¸ˆÅ÷¸Ÿ¸ 300% ÷¸ˆÅ í¸½Š¸¸.
In compliance to the RBI guidelines and other applicable rules and regulations atleast
50% of the total compensation shall be variable and paid on the basis of Bank-wide
performance. The total variable pay shall be limited to a maximum of 300% of the
fixed pay.

ii. ¡¸¢™ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ¢›¸¡¸÷¸ ¨¸½÷¸›¸ ˆ½Å 200% ÷¸ˆÅ í¾, ÷¸¸½ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ˆÅ¸ ›¡¸»›¸÷¸Ÿ¸ 50%; ‚¸¾£ ¡¸¢™ œ¸¢£¨¸÷¸úÄ
¨¸½÷¸›¸ 200% ¬¸½ ‚¢š¸ˆÅ í¾, ÷¸¸½ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ˆÅ¸ ›¡¸»›¸÷¸Ÿ¸ 67% Š¸¾£-›¸ˆÅ™ ¢¥¸‰¸÷¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê í¸½Š¸¸.
In case variable pay is upto 200% of the fixed pay, a minimum of 50% of the variable
pay; and in case variable pay is above 200%, a minimum of 67% of the variable pay
shall be in the form of non-cash instruments.

iii. ¡¸¢™ ¢ˆÅ¬¸ú ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ˆÅ¸½ ©¸½¡¸£-¢¥¸¿Æ” ¢¥¸‰¸÷¸¸Ê ˆÅú Ÿ¸¿¸»£ú ˆ½Å ¢¥¸‡ ˆÅ¸›¸»›¸ ¡¸¸ ¢¨¸¢›¸¡¸Ÿ¸›¸ ׸£¸ œÏ¢÷¸¤¸¿¢š¸÷¸
¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾, ÷¸¸½ „›¸ˆÅ¸/ „›¸ˆÅú œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ›¡¸»›¸÷¸Ÿ¸ 50% ¬¸½ ‚¢š¸ˆÅ÷¸Ÿ¸ 150% ˆ½Å ™¸¡¸£½ Ÿ¸Ê í¸½Š¸¸.
In the event that an executive is barred by statute or regulation from grant of share-
linked instruments, his/ her variable pay shall be in the range of minimum 50% to
maximum 150%.

iv. ¤¸ÿˆÅ ˆ½Å ¢¨¸î¸ú¡¸ ˆÅ¸¡¸Ä ¢›¸«œ¸¸™›¸ ˆ½Å ‚¸š¸¸£ œ¸£ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ©¸»›¡¸ ÷¸ˆÅ ‹¸’¸¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾
The amount of variable pay can even be reduced to zero depending on the financial
performance of the Bank.

‚¸. ÷¸¸¦÷¨¸ˆÅ ¸¸½¢‰¸Ÿ¸ ¥¸½›¸½ ¨¸¸¥¸¸Ê ˆ½Å ¢¥¸‡ (‡Ÿ¸‚¸£’ú )

B. For Material Risk Takers (MRTs)
i. ¢£{¸¨¸Ä ¤¸ÿˆÅ ¢™©¸¸ ¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸ºœ¸¸¥¸›¸ Ÿ¸Ê, ¬¸ž¸ú ‡Ÿ¸‚¸£’ú ˆ½Å ˆºÅ¥¸ ®¸¢÷¸œ¸»¢÷¸Ä ˆÅ¸ 50% œ¸¢£¨¸÷¸úÄ í¸½Š¸¸ ‚¸¾£
¨¡¸¢Æ÷¸Š¸÷¸ ‡¨¸¿ ¤¸ÿˆÅ-¨¡¸¸œ¸ú œÏ™©¸Ä›¸ Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸.
In compliance to the RBI guidelines, 50% of total compensation for all MRTs shall be
variable and paid on the basis of individual and Bank-wide performance parameters..

ii. œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ˆÅ¸ ›¡¸»›¸÷¸Ÿ¸ 50% Š¸¾£-›¸ˆÅ™ú* ¢¥¸‰¸÷¸¸½¿ ˆ½Å ³Åœ¸ Ÿ¸½¿ í¸½Š¸¸.
Minimum 50% of the variable pay shall be in the form of non-cash* instruments.

dm{f©H$ [anmoQ>© Annual Report 2023-24 399

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Schedules to the Financial Statements
iii. ¤¸ÿˆÅ ˆ½Å ¢¨¸î¸ú¡¸ ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ˆ½Å ‚¸š¸¸£ œ¸£ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ©¸»›¡¸ ÷¸ˆÅ ž¸ú ‹¸’¸¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾.
The amount of variable pay can even be reduced to zero depending on the financial
performance of the Bank.

iv. ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ¤¸¸½”Ä ÷¸¸¦÷¨¸ˆÅ ¸¸½¢‰¸Ÿ¸ ¥¸½›¸½ ¨¸¸¥¸¸Ê (‡Ÿ¸‚¸£’ú) ˆÅú œ¸í¸¸›¸ ˆÅ£½Š¸¸.
The Board shall from time-to-time identify the Material Risk Takers (MRTs).

‰ö¸. œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ˆÅ¸ ‚¸¬˜¸Š¸›¸

b. Deferral of Variable Pay

(i) ”¤¸¥¡¸»’ú”ú ‚¸¾£ ‡Ÿ¸‚¸£’ú í½÷¸º ˆºÅ¥¸ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ˆÅ¸ ›¡¸»›¸÷¸Ÿ¸ 60% ¢›¸£œ¸¨¸¸™ ³Åœ¸ ¬¸½ ‚¸¬˜¸¢Š¸÷¸ ¨¡¸¨¸¬˜¸¸‚¸Ê
ˆ½Å ‚š¸ú›¸ í¸½Š¸¸. ƒ¬¸ˆ½Å ‚¢÷¸¢£Æ÷¸, ¡¸¢™ ›¸ˆÅ™ ‹¸’ˆÅ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ˆÅ¸ ž¸¸Š¸ í¾ ÷¸¸½ ›¸ˆÅ™ ‹¸’ˆÅ ˆÅ¸ ›¡¸»›¸÷¸Ÿ¸ 50% ž¸ú
‚¸¬˜¸¢Š¸÷¸ í¸½Š¸¸.
For WTDs and MRTs, a minimum of 60% of the total variable pay shall invariably be under
deferral arrangements. Further, if cash component is part of variable pay, atleast 50% of the
cash component shall also be deferred.

(ii) ÷¸˜¸¸¢œ¸, „›¸ Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê ¸í¸¿ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ˆÅ¸ ›¸ˆÅ™ú ‹¸’ˆÅ ` 25 ¥¸¸‰¸ ¬¸½ ˆÅŸ¸ í¾,¨¸í¸¿ ‚¸¬˜¸¢Š¸÷¸ ‚œ¸½®¸¸ ¥¸¸Š¸» ›¸íú¿
í¾.
However, in cases where the cash component of variable pay is under ` 25 lakh, deferral
requirement is not applicable.

Š¸. ‚¸¬˜¸Š¸›¸ ¨¡¸¨¸¬˜¸¸ ˆÅú ‚¨¸¢š¸

c. Period of Deferral Arrangement

‚¸¬˜¸Š¸›¸ ‚¨¸¢š¸ ›¡¸»›¸÷¸Ÿ¸ 3 ¨¸«¸Ä ˆÅú í¸½Š¸ú. ¡¸í œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ˆ½Å ›¸ˆÅ™ú ‚¸¾£ Š¸¾£- ›¸ˆÅ™ú* ™¸½›¸¸Ê ‹¸’ˆÅ¸Ê œ¸£ ¥¸¸Š¸» í¸½Š¸¸.
The deferral period shall be a minimum of 3 years. This would be applicable to both the cash and
non-cash* components of the variable pay.

‹¸. ¨¸½¦¬’¿Š¸
d. Vesting:

©¸½¡¸£-‚¸š¸¸¢£÷¸ ™ú‹¸ÄˆÅ¸¢¥¸ˆÅ œÏ¸½÷¬¸¸í›¸ Ÿ¸¿¸»£ú ˆÅú ÷¸¸£ú‰¸ ¬¸½ 3 ¨¸«¸Ä ˆÅú ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ ¢›¸¢í÷¸ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸. (Ÿ¸¿¸»£ú ˆÅú
÷¸¸£ú‰¸ ¬¸½ œ¸í¥¸½, ™»¬¸£½ ‚¸¾£ ÷¸ú¬¸£½ ¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê ÇÅŸ¸©¸À 25%, 25% ‚¸¾£ 50%) ‚¸¾£ ƒ¬¸ˆ½Å œÏ¡¸¸½Š¸ ˆÅú ‚¨¸¢š¸ ¢›¸¢í÷¸
¢ˆÅ‡ ¸¸›¸½ ˆÅú ÷¸¸£ú‰¸ ¬¸½ 5 ¨¸«¸Ä ÷¸ˆÅ í¸½Š¸ú. ©¸½¡¸£-‚¸š¸¸¢£÷¸ ‡¥¸’ú‚¸ƒÄ ¤¸ÿˆÅ ˆÅú ¬¸¿¤¸¿¢š¸÷¸ ¡¸¸½¸›¸¸ œ¸£ ¥¸¸Š¸» ¢›¸¤¸¿š¸›¸¸Ê ‡¨¸¿ ©¸÷¸¸½ô
׸£¸ ‚¢ž¸©¸¸¢¬¸÷¸ í¸ÊŠ¸½.
Vesting of Share-based Long Term Incentive shall be over a period of 3 years from the grant date
(25%, 25% & 50% at the end of 1st, 2nd & 3rd year from date of grant respectively) and exercise
period shall be upto 5 years from the date of vesting. Share-based LTIs shall be governed by the
terms & conditions of the respective scheme of the Bank, as applicable.

• ¡¸¢™ ‚¸¬˜¸Š¸›¸ ‚¨¸¢š¸ 3 ¨¸«¸Ä í¾ ÷¸¸½ œ¸í¥¸½ ¨¸«¸Ä ˆÅú ¬¸Ÿ¸¸¦œ÷¸ œ¸£ ˆºÅ¥¸ Ÿ¸¿¸»£ ¢ˆÅ‡ Š¸‡ ©¸½¡¸£-‚¸š¸¸¢£÷¸ ‡¥¸’ú‚¸ƒÄ ˆÅ¸ 33.33%
¬¸½ ‚¢š¸ˆÅ ¢›¸¢í÷¸ ›¸íú¿ ¢ˆÅ‡ ¸¸›¸½ ¸¸¢í‡. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, ™»¬¸£½ ¨¸«¸Ä ˆÅú ¬¸Ÿ¸¸¦œ÷¸ œ¸£ ˆºÅ¥¸ Ÿ¸¿¸»£ ©¸½¡¸£-‚¸š¸¸¢£÷¸ ‡¥¸’ú‚¸ƒÄ
ˆÅ¸ 33.33% ¬¸½ ‚¢š¸ˆÅ ¢›¸¢í÷¸ ›¸íú¿ í¸½Š¸¸. ƒ¬¸ú œÏˆÅ¸£ ¡¸¢™ ‚¸¬˜¸Š¸›¸ ¨¡¸¨¸¬˜¸¸ ¸¸£ ¨¸«¸Ä ˆÅú í¾, ÷¸¸½ œ¸í¥¸½ ÷¸ú›¸ ¨¸«¸Ä Ÿ¸½¿
ˆºÅ¥¸ Ÿ¸¿¸»£ ©¸½¡¸£-‚¸š¸¸¢£÷¸ ‡¥¸’ú‚¸ƒÄ ˆÅ¸ 25% ¬¸½ ‚¢š¸ˆÅ ¢›¸¢í÷¸ ›¸íú¿ í¸ÊŠ¸½. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸ ¢›¸¢í÷¸ ¢ˆÅ‡ ¸¸›¸½ ˆÅú
œÏ¢ÇÅ¡¸¸ ¨¸¸¢«¸ÄˆÅ ‚¸š¸¸£ ˆÅú ‚¸¨¸¢š¸ˆÅ÷¸¸ ¬¸½ ‚¢š¸ˆÅ ¤¸¸£ ¬¸Ÿœ¸››¸ ›¸íú¿ í¸½Š¸ú, ÷¸¸¢ˆÅ ˆÅ¸¡¸¸½Ä ¬¸Ÿ¸¸¡¸¸½¸›¸¸Ê ˆÅú œÏ¡¸¸½¡¸÷¸¸
ˆ½Å œ¸í¥¸½ ¸¸½¢‰¸Ÿ¸¸Ê ˆÅ¸ „¢¸÷¸ ‚¸ˆÅ¥¸›¸ ¬¸º¢›¸¢ä¸÷¸ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆ½Å.
If deferral period is 3 years, not more than 33.33 % of the total granted Share-based LTI
shall vest at the end of first year. Further, not more than 33.33 % of total granted Share-
based LTI shall vest at the end of second year. Similarly, in case deferral arrangement
is four years, not more than 25% of total granted Share-based LTI shall vest in each of
the first three years. Additionally, vesting shall not take place more frequently than on a
yearly basis to ensure a proper assessment of risks before the application of ex-post
adjustments.

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Ÿ¸¾¥¸¬¸/ Æ¥¸¸¤¸¾ˆÅ / Malus/Clawback
œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ (›¸ˆÅ™ ‚¸š¸¸¢£÷¸ ‚¸¾£ ©¸½¡¸£ ‚¸š¸¸¢£÷¸ ‡¥¸’ú‚¸ƒÄ) œ¸£ Ÿ¸¾¥¸¬¸ ‚¸¾£ Æ¥¸¸¤¸¾ˆÅ œÏ¸¨¸š¸¸›¸ ˆºÅŽ ¦¬˜¸¢÷¸¡¸¸Ê ‚˜¸¸Ä÷¸Ã
‡›¸œ¸ú‡ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆ½Å œÏ¸¨¸š¸¸›¸ Ÿ¸Ê ¢¨¸¸¥¸›¸, ˆÅŸ¸¸¸½£ ¡¸¸ ›¸ˆÅ¸£¸÷Ÿ¸ˆÅ ¢¨¸î¸ú¡¸ ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸, ˆÅ™¸¸¸£ ¡¸¸ ‡›¸‚¸£¬¸ú ׸£¸
„¢¸÷¸ ¬¸Ÿ¸¸½ ¸¸›¸½ ¨¸¸¥¸½ ¢ˆÅ¬¸ú ‚›¡¸ Ÿ¸¸œ¸™¿” Ÿ¸Ê ‚¢›¸¢í÷¸ ‚¨¸¸”Ä ˆÅ¸½ ˆÅŸ¸ ˆÅ£›¸½ ¡¸¸ £Ó ˆÅ£›¸½ ‚¸¾£ œ¸í¥¸½ ž¸ºŠ¸÷¸¸›¸ ˆÅú Š¸ƒÄ
®¸¢÷¸œ¸»¢÷¸Ä ˆÅú ¨¸¬¸»¥¸ú ˆÅ£›¸½ Ÿ¸Ê ‡›¸‚¸£¬¸ú ¬¸®¸Ÿ¸ í¸½Š¸ú. Ÿ¸¾¥¸¬¸ ˆÅ¸½ ¬¸ž¸ú œ¸¢£¦¬˜¸¢÷¸¡¸¸Ê Ÿ¸Ê ¥¸¸Š¸» ¢ˆÅ¡¸¸ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾ ‚¸¾£
Æ¥¸¸¤¸¾ˆÅ ˆÅ¸½ ˆÅ™¸¸¸£ ‚˜¸¨¸¸ ‡›¸‚¸£¬¸ú ׸£¸ „¢¸÷¸ ¬¸Ÿ¸¸½ ¸¸›¸½ ¨¸¸¥¸½ ¢ˆÅ¬¸ú ‚›¡¸ Ÿ¸¸›¸™¿” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ¥¸¸Š¸» ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸
í¾. Ÿ¸¾¥¸¬¸ ¥¸¸Š¸» ¢ˆÅ‡ ¸¸›¸½ ˆÅú œÏ¢ÇÅ¡¸¸ Ÿ¸Ê ¥¸¸Š¸» ¢’£ ˆ½Å ±¸¸÷¸ í¸½›¸½ ˆÅú ÷¸¸£ú‰¸ ¬¸½ ‚¸¿¢©¸ˆÅ ‚˜¸¨¸¸ œ¸»µ¸Ä ‚¸¬˜¸¢Š¸÷¸ ¨¸¸¢«¸ÄˆÅ ›¸ˆÅ™
œÏ¸½÷¬¸¸í›¸ ‚¸¾£/ ‚˜¸¨¸¸ ‚¢›¸¢í÷¸ ‡¥¸’ú‚¸ƒÄ ‚¨¸¸”¸½ô ˆÅ¸ ¢›¸£¬¸›¸ ‚¿÷¸¢›¸Ä¢í÷¸ í¸½Š¸¸. Æ¥¸¸¤¸¾ˆÅ ¨¡¸¨¸¬˜¸¸ Ÿ¸Ê ¥¸¸Š¸» ¢’£ ˆ½Å œÏ¸£¿ž¸
í¸½›¸½ ˆÅú ÷¸¸£ú‰¸ ¬¸½ ¢œ¸Ž¥¸½ œ¸¸¿¸ ¨¸«¸¸½ô Ÿ¸Ê ¢™‡ Š¸‡ ¨¸¸¢«¸ÄˆÅ ›¸ˆÅ™ œÏ¸½÷¬¸¸í›¸ ‚¸¾£ ‡¥¸’ú‚¸ƒÄ œ¸º£¬ˆÅ¸£¸Ê ˆÅú ¨¸¬¸»¥¸ú ‚¿÷¸¢›¸Ä¢í÷¸ í¸½Š¸ú.
Malus & Clawback provisions on variable pay (cash based & share-based LTI) would enable
the NRC to reduce or cancel unvested awards and recover previously paid compensation in
certain situations viz. divergence in Bank’s provisioning for NPAs, subdued or negative financial
performance, misconduct or any other parameter deemed relevant by the NRC. Malus can be
invoked in all the situations and clawback can be invoked in case of misconduct or any other
parameter deemed relevant by the NRC. Invocation of Malus provisions would imply cancellation of
partial or full deferred annual cash incentive and/or unvested LTI awards as on the date of discovery
of applicable trigger. The clawback arrangement would imply recovery of annual cash incentives
paid and LTI awards vested over the last five years from the date of discovery of the applicable
trigger.

(¸) œ¸¢£¨¸÷¸úÄ œ¸¸¢£ª¢Ÿ¸ˆÅ ˆ½Å ¢¨¸¢ž¸››¸ œÏˆÅ¸£¸Ê (¸¾¬¸½ ›¸ˆÅ™ ‚¸¾£ ©¸½¡¸£ ¬¸¿¤¸Ö ¢¥¸‰¸÷¸¸Ê ˆ½Å œÏˆÅ¸£) ¢¸›íÊ ¤¸ÿˆÅ œÏ¡¸¸½Š¸ ˆÅ£÷¸¸ í¾, ˆ½Å ¢¨¸¨¸£µ¸
‚¸¾£ ƒ›¸ ¢¨¸¢ž¸››¸ œÏˆÅ¸£¸Ê ˆ½Å œÏ¡¸¸½Š¸ ˆ½Å ¢¥¸‡ ‚¸¾¢¸÷¡¸À
(f) Description of the different forms of variable remuneration (i.e. cash and types of share-linked instruments)
that the Bank utilizes and the rationale for using these different forms:

œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ›¸ˆÅ™ú ‡¨¸¿ ©¸½¡¸£ ‚¸š¸¸¢£÷¸ ™ú‹¸¸Ä¨¸¢š¸ œÏ¸½÷¬¸¸í›¸ (‡¥¸’ú‚¸ƒÄ) ˆÅ¸ ¢Ÿ¸ªµ¸ í¸½Š¸¸. ©¸½¡¸£-‚¸š¸¸¢£÷¸ ‡¥¸’ú‚¸ƒÄ ˆÅ¸½ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸
ˆ½Å ‡ˆÅ ž¸¸Š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê œÏ™¸›¸ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸ ‚¸¾£ ƒ¬¸½ ¤¥¸¾ˆÅ-¬ˆÅ¸½¥¬¸ Ÿ¸¸Á”¥¸ ¡¸¸ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ (ˆÅ¸Ê) ׸£¸ ¢›¸™½Ä¢©¸÷¸ ¢ˆÅ¬¸ú ‚›¡¸ Ÿ¸¸Á”¥¸ ˆÅ¸ „œ¸¡¸¸½Š¸
ˆÅ£ˆ½Å Ÿ¸¿¸»£ú ˆÅú ÷¸¸£ú‰¸ ¬¸½ „¢¸÷¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸. ©¸½¡¸£-‚¸š¸¸¢£÷¸ ‡¥¸’ú‚¸ƒÄ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ¬¸¿©¸¸½¢š¸÷¸ ¤¸ÿˆÅ ˆÅú ¥¸¸Š¸» ¡¸¸½¸›¸¸
ˆ½Å ¢›¸¤¸¿š¸›¸ ‚¸¾£ ©¸÷¸¸½ô ׸£¸ ‚¢ž¸©¸¸¢¬¸÷¸ í¸½Š¸¸. ¢›¸¡¸÷¸ ¨¸½÷¸›¸ ˆ½Å œÏ¢÷¸©¸÷¸/ ¢™›¸¸Ê ˆÅú ¬¸¿‰¡¸¸ (¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¢™©¸¸-¢›¸™½Ä©¸¸Ê ˆ½Å ‚š¸ú›¸) ˆ½Å ³Åœ¸ Ÿ¸Ê
ˆÅŸ¸Ä¸¸£ú-¨¸¸£ ¥¸®¡¸ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ›¸¸Ÿ¸¸¿ˆÅ›¸ ‡¨¸¿ œ¸¸¢£ª¢Ÿ¸ˆÅ ¬¸¢Ÿ¸¢÷¸ ׸£¸ ˆÅú Š¸ƒÄ ¢¬¸ûöŸ¢£©¸¸Ê ÷¸˜¸¸ ¤¸¸½”Ä ×¸£¸ ¢™‡ Š¸‡ ‚›¸ºŸ¸¸½™›¸ ˆ½Å ‚›¸º¬¸¸£
í¸½Š¸¸.
The Variable Pay shall be a mix of Cash & Share-based Long Term Incentive (LTI). Share-based LTI shall be granted
as a part of Variable Pay and it shall be fair valued on the date of grant by using the Black-Scholes Model or any
other model as may be directed by the Regulator(s). Share-based LTI shall be governed by the terms & conditions
of the applicable scheme of the Bank, as amended from time-to-time. The employee category-wise target Variable
Pay as a percentage/number of days of Fixed Pay (subject to regulatory guidelines) shall be as recommended by
the Nomination and Remuneration Committee and approved by the Board.

2) Ÿ¸¸°¸¸÷Ÿ¸ˆÅ œÏˆÅ’›¸ / Quantitative Disclosures:

(Ÿ¸¸°¸¸÷Ÿ¸ˆÅ œÏˆÅ’›¸ Ÿ¸Ê ˆ½Å¨¸¥¸ œ¸»µ¸ÄˆÅ¸¢¥¸ˆÅ ¢›¸™½©¸ˆÅ¸Ê/ Ÿ¸º‰¡¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ‚¢š¸ˆÅ¸£ú/ ÷¸¸¦÷¨¸ˆÅ ¸¸½¢‰¸Ÿ¸ ¥¸½›¸½ ¨¸¸¥¸¸Ê ˆÅú ¸¸›¸ˆÅ¸£ú ©¸¸¢Ÿ¸¥¸ íÿ)
(The quantitative disclosures includes only Whole Time Directors / Chief Executive Officer/ Material Risk Takers)

¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23

FY 2023-24 FY 2022-23
(¸) ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ›¸¸Ÿ¸¸¿ˆÅ›¸ ‚¸¾£ œ¸¸¢£ª¢Ÿ¸ˆÅ ¬¸¢Ÿ¸¢÷¸ (‡›¸‚¸£¬¸ú) ׸£¸ 6 7
‚¸¡¸¸½¢¸÷¸ ¤¸¾“ˆÅ¸Ê ˆÅú ¬¸¿‰¡¸¸
(g) Number of meetings held by the Nomination & Remuneration
Committee (NRC) during the financial year
‚¸¾£ / and
ƒ¬¸ˆ½Å ¬¸™¬¡¸¸½¿ ˆÅ¸½ œÏ™î¸ œ¸¸¢£ª¢Ÿ¸ˆÅ. (ˆÅ£¸½”õ Ÿ¸Ê) 0.17 0.21
Remuneration paid to its members. (in Crores)

dm{f©H$ [anmoQ>© Annual Report 2023-24 401

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23
FY 2023-24 FY 2022-23

(Ž) (i) ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸÷¸úÄ œ¸¸¢£ª¢Ÿ¸ˆÅ ‚¨¸¸”Ä œÏ¸œ÷¸ ˆÅ£›¸½ ¨¸¸¥¸½
ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅú ¬¸¿‰¡¸¸
(h) Number of employees having received a variable
remuneration award during the financial year.
›¸¸½’- / Note –
¨¸«¸Ä 2022-23 ˆ½Å ¢¥¸‡ œ¸¢£¨¸÷¸úÄ œ¸¸¢£ª¢Ÿ¸ˆÅ ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½, 2
”ú‡Ÿ¸”ú ‚¸¾£ 23 ÷¸¸¦÷¨¸ˆÅ ¸¸½¢‰¸Ÿ¸ ¥¸½›¸½ ¨¸¸¥¸¸Ê (¨¸«¸Ä 2022-23 Ÿ¸Ê 2 26 25
¬¸½¨¸¸¢›¸¨¸¼î¸ ‡Ÿ¸‚¸£’ú ¬¸¢í÷¸) ˆÅ¸½ ¨¸«¸Ä 2023-24 Ÿ¸Ê ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸
Š¸¡¸¸.
Variable remuneration for the year 2022-23 was paid
to MD & CEO, 2 DMDs and 23 Material Risk Takers
(including 2 MRTs retired during the year 2022-23) in
year 2023-24.

(ii) ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œÏ™¸›¸ ¢ˆÅ‡ Š¸‡ ¬¸¸ƒ›¸ ‚¸Á›¸/¸¸Áƒ¢›¸¿Š¸ ¤¸¸½›¸¬¸ ˆÅú ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
¬¸¿‰¡¸¸ ‚¸¾£ ˆºÅ¥¸ £¸¢©¸
Number and total amount of sign-on/joining bonus
made during the financial year.

(iii) „œ¸¢¸÷¸ ¥¸¸ž¸¸Ê ˆ½Å ‚¢÷¸¢£Æ÷¸ ¬¸½¨¸¸ ¢¨¸Ž½™ ž¸ºŠ¸÷¸¸›¸, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆÅ¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
¢¨¸¨¸£µ¸
Details of severance pay, in addition to accrued
benefits, if any.

(¸) (i) ›¸ˆÅ™, ©¸½¡¸£ ‚¸¾£ ©¸½¡¸£ ¬¸½ ¸º”õ½ ¢¥¸‰¸÷¸ ‚¸¾£ ‚›¡¸ œÏˆÅ¸£¸Ê Ÿ¸Ê
¢¨¸ž¸Æ÷¸ ¤¸ˆÅ¸¡¸¸ ‚¸¬˜¸¢Š¸÷¸ œ¸¸¢£ª¢Ÿ¸ˆÅ ˆÅú ˆºÅ¥¸ £¸¢©¸
(i) Total amount of outstanding deferred remuneration,
split into cash, shares and share linked instruments
and other forms.

›¸ˆÅ™ / Cash 1.04 0.50

ƒÄ‡¬¸‚¸½œ¸ú ˆ½Å ‡¨¸¸ Ÿ¸Ê ›¸ˆÅ™ / Cash in lieu of ESOP* 10.87 5.28

(ii) ¢¨¸î¸ú¡¸ ¨¸«¸Ä Ÿ¸Ê ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ‡ Š¸‡ ‚¸¬˜¸¢Š¸÷¸ œ¸¸¢£ª¢Ÿ¸ˆÅ ˆÅú ˆºÅ¥¸ 0.92 ©¸»›¡¸ / Nil
£¸¢©¸
Total amount of deferred remuneration paid out in
the financial year.

(¸) ¢›¸¡¸÷¸ ‚¸¾£ œ¸¢£¨¸÷¸úÄ, ‚¸¬˜¸¢Š¸÷¸ ‚¸¾£ Š¸¾£-‚¸¬˜¸¢Š¸÷¸ ‹¸’ˆÅ¸Ê ˆÅ¸½ ¢™‰¸¸›¸½ í½÷¸º
¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ œ¸¸¢£ª¢Ÿ¸ˆÅ ‚¨¸¸”Ä £¸¢©¸ ˆÅ¸ ¢¨¸©¥¸½«¸µ¸$
(j) Breakdown of amount of remuneration awards for the financial
year to show fixed and variable, deferred and non-deferred$
¢›¸¡¸÷¸ / Fixed
13.59 12.21
œ¸¢£¨¸÷¸úÄ / Variable 13.25 13.33
‚¸¬˜¸¢Š¸÷¸ / Deferred 10.01 9.86
Š¸¾£-‚¸¬˜¸¢Š¸÷¸ / Non-Deferred 3.24 3.47

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Schedules to the Financial Statements
¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23
FY 2023-24 FY 2022-23

(‘¸) (i) œ¸»¨¸Ä ¬¸º¬œ¸«’ ‚¸¾£/ ‚˜¸¨¸¸ ‚¬œ¸«’ ¬¸Ÿ¸¸¡¸¸½¸›¸¸Ê ˆ½Å œÏ¢÷¸ ¤¸ˆÅ¸¡¸¸ 12.06 5.78
(k) ‚¸¬˜¸¢Š¸÷¸ œ¸¸¢£ª¢Ÿ¸ˆÅ ‚¸¾£ œÏ¢÷¸š¸¸¢£÷¸ œ¸¸¢£ª¢Ÿ¸ˆÅ ˆÅú ˆºÅ¥¸ £¸¢©¸
Total amount of outstanding deferred remuneration
and retained remuneration exposed to ex post explicit
and / or implicit adjustments.

(ii) œ¸»¨¸Ä ¬¸º¬œ¸«’ ¬¸Ÿ¸¸¡¸¸½¸›¸¸Ê ˆ½Å œÏ¢÷¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅú Š¸ƒÄ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
ˆÅ’¸¾¢÷¸¡¸¸Ê ˆÅú ˆºÅ¥¸ £¸¢©¸
Total amount of reductions during the financial year
due to ex post explicit adjustments.

(iii) œ¸»¨¸Ä ‚¬œ¸«’ ¬¸Ÿ¸¸¡¸¸½¸›¸¸Ê ˆ½Å œÏ¢÷¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅú Š¸ƒÄ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
ˆÅ’¸¾¢÷¸¡¸¸Ê ˆÅú ˆºÅ¥¸ £¸¢©¸
Total amount of reductions during the financial year
due to ex post implicit adjustments.

(’) œ¸í¸¸›¸ ¢ˆÅ‡ Š¸‡ ÷¸¸¢÷¨¸ˆÅ ¸¸½¢‰¸Ÿ¸ „“¸›¸½ ¨¸¸¥¸¸½¿ (‡Ÿ¸‚¸£’ú) ˆÅú ¬¸¿‰¡¸¸ 24 23
(l) Number of Material Risk Takers (MRTs) identified

(“) (i) Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅú ¬¸¿‰¡¸¸ ¸í¸¿ Ÿ¸¾¥¸¬¸ ˆÅ¸ œÏ¡¸¸½Š¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
(m) Number of cases where malus has been exercised.

(ii) Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅú ¬¸¿‰¡¸¸ ¸í¸¿ Æ¥¸¸¤¸¾ˆÅ ˆÅ¸ œÏ¡¸¸½Š¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Number of cases where clawback has been exercised.

(iii) Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅú ¬¸¿‰¡¸¸ ¸í¸¿ Ÿ¸¾¥¸¬¸ ‚¸¾£ Æ¥¸¸¤¸¾ˆÅ ™¸½›¸¸Ê ˆÅ¸ œÏ¡¸¸½Š¸ ¢ˆÅ¡¸¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Š¸¡¸¸ í¾
Number of cases where both malus and clawback
have been exercised.

(”) ¬¸Ÿ¸ŠÏ ³Åœ¸ Ÿ¸Ê (¬¸¤¸-¬’¸ûÅ ˆÅ¸½ Ž¸½”õˆÅ£) ¤¸ÿˆÅ ˆÅ¸ Ÿ¸¸š¡¸ (Ÿ¸ú›¸) ¨¸½÷¸›¸ ÷¸˜¸¸ 0.17 0.16
(n) ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ œÏ÷¡¸½ˆÅ ”¤¥¡¸»’ú”ú ˆ½Å ¨¸½÷¸›¸ ˆÅ¸ Ÿ¸¸š¡¸ ¬¸½ ¢¨¸¸¥¸›¸À(£¸¢©¸ ˆÅ£¸½”õ Ÿ¸½¿)
The mean pay for the Bank as a whole (excluding sub-staff)
and the deviation of the pay of each of the following WTDs
from the mean pay: (Amount in Crores)

(i) ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ / MD & CEO 1.94 1.63

(ii) ”ú‡Ÿ¸”ú (14 ¸›¸¨¸£ú 2024 ˆÅ¸½ ˆÅ¸¡¸ÄŸ¸ºÆ÷¸) 0.87 0.87

DMD (Relieved on 14 January 2024)
th

(iii) ”ú‡Ÿ¸”ú (12 ¸»›¸ 2023 ˆÅ¸½ œ¸™ž¸¸£ ŠÏíµ¸ ¢ˆÅ¡¸¸) 0.46 0.00
DMD (Joined on 12th June 2023)

(iv) ”ú‡Ÿ¸”ú (5 ‚œÏ¾¥¸ 2023 ˆÅ¸½ ˆÅ¸¡¸ÄŸ¸ºÆ÷¸) 0.17 0.86

DMD (Relieved on 5th April 2023)

dm{f©H$ [anmoQ>© Annual Report 2023-24 403

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23
FY 2023-24 FY 2022-23

›¸¸½’- / Note –

i) ¨¸½÷¸›¸ Ÿ¸Ê ¬¸ˆÅ¥¸ ¨¸½÷¸›¸ (ƒ¬¸Ÿ¸Ê ¬¸¿œ¸»µ¸Ä ¤¸ÿˆÅ ˆ½Å ¢¥¸‡ ¤¸úŸ¸¸¿¢ˆÅˆÅ ‚¸š¸¸£
œ¸£ ¢›¸š¸¸Ä¢£÷¸ ŠÏ½¡¸º’ú ‚¸¾£ ‚¨¸ˆÅ¸©¸ ¥¸¸ž¸¸Ê ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ ©¸¸¢Ÿ¸¥¸
›¸íú¿ í¾)+ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å ¢¥¸‡ ¤¸ˆÅ¸¡¸¸ £¸¢©¸ + Žº’Ã’ú
›¸ˆÅ™úˆÅ£µ¸ + ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸
+‚¸¡¸ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸ 1961 ˆ½Å ÷¸í÷¸ Š¸µ¸›¸¸ ˆ½Å ‚›¸º¬¸¸£ ‚›¸º¥¸¸ž¸
Ÿ¸»¥¡¸ ©¸¸¢Ÿ¸¥¸ í¾.
Pay includes Gross salary (excludes the provision for
gratuity and leave benefits as determined on actuarial
basis for the Bank as a whole) + arrears for FY 2022-
23 + leave encashment + Variable Pay paid during the
year + perquisite value as calculated under the Income
Tax Act, 1961.

# ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ‚›¸ºŸ¸¸½™›¸ ¬¸½ ¤¸ÿˆÅ ›¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ¢¥¸‡ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ˆÅ¸½ ›¸ˆÅ™ (3 ¨¸«¸Ä ˆÅú ‚¸¬˜¸Š¸›¸ ‚¨¸¢š¸) ‚¸¾£ ƒÄ‡¬¸‚¸½œ¸ú ˆ½Å ‡¨¸¸
Ÿ¸Ê ›¸ˆÅ™ (4 ¨¸«¸Ä ˆÅú ‚¸¬˜¸Š¸›¸ ‚¨¸¢š¸) œÏ¬÷¸¸¢¨¸÷¸ ¢ˆÅ¡¸¸ í¾.
# Bank has proposed Variable pay in the form of Cash (deferral period of 3 years) and Cash in lieu of ESOPs (deferral
period of 4 years) for FY 2023-24 with the approval of RBI.
$ ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½, ”ú‡Ÿ¸”ú ‚¸¾£ ‡Ÿ¸‚¸£’ú ˆ½Å ¢›¸¡¸÷¸ œ¸¸¢£ª¢Ÿ¸ˆÅ Ÿ¸Ê ¬¸ˆÅ¥¸ ¨¸½÷¸›¸, ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å ¢¥¸‡ ”¤¸¥¡¸»’ú”ú ˆÅ¸½ ž¸ºŠ¸÷¸¸›¸ ˆÅú Š¸ƒÄ
¤¸ˆÅ¸¡¸¸ £¸¢©¸, ‡Ÿ¸‚¸£’ú ˆÅ¸½ ž¸ºŠ¸÷¸¸›¸ ˆÅú Š¸ƒÄ ÷¸™˜¸Ä ¤¸ˆÅ¸¡¸¸ £¸¢©¸, ¨¸¸¢«¸ÄˆÅ Žº’Ã’ú ›¸ˆÅ™úˆÅ£µ¸ ‚¸¾£ ‚›¸º¥¸¸ž¸ Ÿ¸»¥¡¸ ¸¾¬¸¸ ¢ˆÅ ‚¸¡¸ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸ 1961
Ÿ¸Ê Š¸µ¸›¸¸ ˆÅú Š¸ƒÄ í¾, ©¸¸¢Ÿ¸¥¸ íÿ. ƒ¬¸Ÿ¸Ê ŠÏ½¡¸º’ú ‚¸¾£ ‚¨¸ˆÅ¸©¸ ¥¸¸ž¸¸Ê ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ ©¸¸¢Ÿ¸¥¸ ›¸íú¿ í¾ Æ¡¸¸Ê¢ˆÅ ¨¸½ ¬¸¿œ¸»µ¸Ä ¤¸ÿˆÅ ˆ½Å ¢¥¸‡ ¤¸úŸ¸¸¿¢ˆÅˆÅ ‚¸š¸¸£ œ¸£
¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ‡ ¸¸÷¸½ íÿ. ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½, ”ú‡Ÿ¸”ú ‚¸¾£ ‡Ÿ¸‚¸£’ú ˆ½Å ¢¥¸‡ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ¢¥¸‡ ‚¸¬˜¸¢Š¸÷¸ ‚¸¾£ Š¸¾£ ‚¸¬˜¸¢Š¸÷¸ œ¸¢£¨¸÷¸úÄ
¨¸½÷¸›¸ Ÿ¸Ê ¤¸ÿˆÅ ˆ½Å ¤¸¸½”Ä ×¸£¸ ‚›¸ºŸ¸¸½¢™÷¸ ‚›¸º¬¸¸£ ¥¸¢®¸÷¸ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ©¸¸¢Ÿ¸¥¸ íÿ ‚¸¾£ ”¤¸¥¡¸»’ú”ú ˆ½Å ¢¥¸‡ ¡¸í ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ‚›¸ºŸ¸¸½™›¸ ˆ½Å ‚š¸ú›¸ í¾.
$ Fixed remuneration for MD & CEO, DMDs and MRTs includes, gross salary, arrears paid for FY 2022-23 to WTDs,
ad-hoc arrears paid to MRTs, annual leave encashment and perquisite value as calculated under the Income Tax Act
1961. It excludes the provision for gratuity and leave benefits as they are determined on actuarial basis for the Bank as a
whole. The Variable Pay - Deferred and Non-deferred includes target variable pay for FY 2023-24 for MD & CEO, DMDs
and MRTs as approved by Bank’s Board and it is subject to RBI approval for WTDs.

14. ‚›¡¸ œÏˆÅ’›¸ / Other Disclosures

ˆÅ) ¨¡¸¨¸¬¸¸¡¸ ‚›¸ºœ¸¸÷¸
a) Business ratios

ÇÅŸ¸. ¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023

¬¸¿. Particulars March 31, 2024 March 31, 2023
No.
1 ˆÅ¸¡¸Ä©¸ú¥¸ ¢›¸¢š¸¡¸¸Ê ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¤¡¸¸¸ ‚¸¡¸$ 7.73% 6.76%
Interest income as a percentage to working funds$
2 ˆÅ¸¡¸Ä©¸ú¥¸ ¢›¸¢š¸¡¸¸Ê ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê Š¸¾£-¤¡¸¸¸ ‚¸¡¸ 1.06% 1.44%
Non-interest income as a percentage to working funds
3 ¸Ÿ¸¸‚¸Ê ˆÅú ¥¸¸Š¸÷¸ / Cost of Deposits 4.30% 3.50%

4 ¢›¸¨¸¥¸ ¤¡¸¸¸ Ÿ¸¸¢¸Ä›¸^ / Net Interest Margin^ 4.93% 4.52%

5 ˆÅ¸¡¸Ä©¸ú¥¸ ¢›¸¢š¸¡¸¸Ê ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê œ¸¢£¸¸¥¸›¸ ¥¸¸ž¸$ 2.81% 2.87%
Operating profit as a percentage to working funds$
6 ‚¸¦¬÷¸¡¸¸Ê œ¸£ œÏ¢÷¸¥¸¸ž¸@ / Return on assets@ 1.65% 1.20%

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Schedules to the Financial Statements
ÇÅŸ¸. ¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023
¬¸¿. Particulars March 31, 2024 March 31, 2023
No.
7 œÏ¢÷¸ ˆÅŸ¸Ä¸¸£ú ¨¡¸¨¸¬¸¸¡¸ (¸Ÿ¸¸ ‚¸¾£ ‚¢ŠÏŸ¸)# [` ˆÅ£¸½”õ] 23.50 22.31
Business (Deposits plus advances) per employee# [` crore]
8 œÏ¢÷¸ ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ [` ˆÅ£¸½”õ] / Profit per employee [` crore] 0.30 0.20

$ ˆÅ¸¡¸Ä©¸ú¥¸ ¢›¸¢š¸¡¸¸Ê ˆÅú Š¸µ¸›¸¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å 12 Ÿ¸íú›¸¸Ê ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅˆÅ¸£ú ¢¨¸¢›¸¡¸Ÿ¸›¸ ‚¢š¸¢›¸¡¸Ÿ¸, 1949 ˆÅú š¸¸£¸ 27 ˆ½Å ‚š¸ú›¸ ûŸÁŸ¸Ä X Ÿ¸Ê ž¸¸£÷¸ú¡¸
¢£{¸¨¸Ä ¤¸ÿˆÅ ˆÅ¸½ ¢£œ¸¸½’Ä ¢ˆÅ‡ ‚›¸º¬¸¸£ ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸Ê (¬¸¿¢¸÷¸ í¸¢›¸¡¸¸Ê, ¡¸¢™ ˆÅ¸½ƒÄ í¸Ê, ˆÅ¸½ Ž¸½”õˆÅ£) ˆ½Å ‚¸¾¬¸÷¸ ÷¸˜¸¸ ¢¨¸™½©¸ú ©¸¸‰¸¸‚¸Ê ˆÅú ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸Ê
(¬¸¿¢¸÷¸ í¸¢›¸¡¸¸Ê, ¡¸¢™ ˆÅ¸½ƒÄ í¸Ê, ˆÅ¸½ Ž¸½”õˆÅ£) ˆ½Å ‚¸¾¬¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ˆÅú ¸¸÷¸ú í¾.
$ Working funds are reckoned as average of total assets (excluding accumulated losses, if any) as reported to Reserve
Bank of India in Form X under Section 27 of the Banking Regulation Act, 1949, during the 12 months of the financial year
and average of total assets (excluding accumulated losses, if any) of overseas branches.

^ ¢›¸¨¸¥¸ ¤¡¸¸¸ ‚¸¡¸ / ‚¸¾¬¸÷¸ ‚¸ÄˆÅ ‚¸¦¬÷¸¡¸¸¿. ¢›¸¨¸¥¸ ¤¡¸¸¸ ‚¸¡¸= ¤¡¸¸¸ ‚¸¡¸ - ¤¡¸¸¸ ¨¡¸¡¸.
^ Net Interest Income/ Average Earning Assets. Net Interest Income= Interest Income – Interest Expense

@ ‚¸¦¬÷¸¡¸¸Ê œ¸£ œÏ¢÷¸¥¸¸ž¸ ‚¸¾¬¸÷¸ ˆÅ¸¡¸Ä©¸ú¥¸ ¢›¸¢š¸¡¸¸Ê (‚˜¸¸Ä÷¸Ã ¬¸¿¢¸÷¸ í¸¢›¸¡¸¸Ê, ¡¸¢™ ˆÅ¸½ƒÄ í¸Ê, ˆÅ¸½ Ž¸½”õˆÅ£ ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸¿) ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê í¸½Š¸¸.
@ Return on Assets would be with reference to average working funds (i.e., total of assets excluding accumulated losses,
if any).

# œÏ¢÷¸ ˆÅŸ¸Ä¸¸£ú ¨¡¸¨¸¬¸¸¡¸ (¸Ÿ¸¸ £¸¢©¸¡¸¸Ê ‚¸¾£ ‚¢ŠÏŸ¸¸Ê ˆÅ¸ ¸¸½”õ) ˆÅú Š¸µ¸›¸¸ ˆ½Å œÏ¡¸¸½¸›¸ ˆ½Å ¢¥¸‡ ‚¿÷¸£ ¤¸ÿˆÅ ¸Ÿ¸¸‚¸Ê ˆÅ¸½ ƒ¬¸Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸.
# For the purpose of computation of business per employee (deposits plus advances), inter-bank deposits shall be
excluded.

‰¸) ¤¸ÿˆÅ‡©¡¸¸½£Ê¬¸ ¨¡¸¨¸¬¸¸¡¸

b) Bancassurance Business

¤¸úŸ¸¸ ¤Ï¸½¢ˆ¿ÅŠ¸, ‡¸Ê¬¸ú ‚¸¾£ ¤¸ÿˆÅ‡©¡¸¸½£Ê¬¸ ¨¡¸¨¸¬¸¸¡¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚¢¸Ä÷¸ ©¸º¥ˆÅ¸Ê/ ¤Ï¸½ˆÅ£½¸ ˆÅ¸ ¢¨¸¨¸£µ¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾ À
The details of fees / brokerage earned in respect of insurance broking, agency and bancassurance business is as follows:

(` ˆÅ£¸½”õ) / (` Crore)

¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

Particulars ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡
For the year ended For the year ended
March 31, 2024 March 31, 2023

‡¢¸¬¸ û½Å”£¥¸ ¥¸¸ƒûÅ ƒ¿©¡¸¸½£Ê¬¸ ˆ¿Å. ¢¥¸.@ 23 15

Ageas Federal Life Insurance Co. Ltd.@

ž¸¸£÷¸ú¡¸ ¸ú¨¸›¸ ¤¸úŸ¸¸ ¢›¸Š¸Ÿ¸ 75 74

Life Insurance Corporation of India

’¸’¸ ‡‚¸ƒÄ¸ú ¸›¸£¥¸ ƒ¿©¡¸¸½£Ê¬¸ ˆ¿Å. ¢¥¸. 16 14

TATA AIG General Insurance Co. Ltd.

›¡¸» ƒ¿¢”¡¸¸ ‡©¡¸¸½£Ê¬¸ ˆ¿Åœ¸›¸ú / New India Assurance Co. 5 4

Ÿ¸¾Æ¬¸ ¤¸»œ¸¸ í½¥˜¸ ƒ¿©¡¸¸½£Ê¬¸ / Max Bupa Health Insurance 23 13

ˆºÅ¥¸ / Total 142 120

@- œ¸»¨¸Ä Ÿ¸Ê ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ û½Å”£¥¸ ¥¸¸ƒûÅ ƒ¿©¡¸¸½£Ê¬¸ ˆ¿Å. ¢¥¸. ˆ½Å ›¸¸Ÿ¸ ¬¸½ ¸¸›¸ú ¸¸÷¸ú ˜¸ú.
@ - Earlier known as IDBI Federal Life Insurance Co. Ltd.

dm{f©H$ [anmoQ>© Annual Report 2023-24 405

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
Š¸) Ÿ¸¸ˆ½ÄÅ¢’¿Š¸ ‡¨¸¿ ¢¨¸÷¸£µ¸
c) Marketing & Distribution

Ÿ¸¸ˆ½ÄÅ¢’¿Š¸ ‡¨¸¿ ¢¨¸÷¸£µ¸ ˆÅ¸¡¸Ä (¤¸ÿˆÅ¸‡©¡¸¸½£Ê¬¸ ¨¡¸¨¸¬¸¸¡¸ ˆÅ¸½ Ž¸½”õˆÅ£) ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê œÏ¸œ÷¸ ©¸º¥ˆÅ¸Ê/ ˆÅŸ¸ú©¸›¸ ˆÅ¸ ¢¨¸¨¸£µ¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾À
Details of fees / commission received in respect of the marketing and distribution function (excluding bancassurance
business) is as follows:
(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
Particulars ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡
For the year ended For the year ended
March 31, 2024 March 31, 2023

Ÿ¡¸º¡¸º‚¥¸ û¿Å” / Mutual Fund 32 30

¬¸£ˆÅ¸£ú ¤¸¸Á›”¬¸ (‡ûÅ‚¸ƒÄ‡¬¸) / Government Bonds (FIS) 1 2

¬¸¸Á¨¸£½›¸ Š¸¸½¥” ¤¸¸Áµ” (‡¬¸¸ú¤¸ú) / Sovereign Gold Bond (SGB) 2 0.32

‡›¸œ¸ú‡¬¸ / NPS 0.42 0.32

œ¸»¿¸úŠ¸÷¸ ‚¢ž¸¥¸¸ž¸ ¤¸¸Áµ” (‡›¸‡¸‡‚¸ƒÄ, ‚¸£ƒÄ¬¸ú ‡¨¸¿ ‚¸ƒÄ‚¸£‡ûŬ¸ú) 1 1

Capital Gain Bond (NHAI, REC & IRFC)

ˆºÅ¥¸ / Total 36.42 33.64

‹¸) œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸-œÏ¸œ÷¸ ®¸½°¸ „š¸¸£ œÏŸ¸¸µ¸œ¸°¸¸Ê (œ¸ú‡¬¸‡¥¸¬¸ú) ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê œÏˆÅ’›¸
d) Disclosures regarding Priority Sector Lending Certificates (PSLCs)

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ / During the year ended March 31, 2024
(` ˆÅ£¸½”õ) / (` Crore)
œ¸ú‡¬¸‡¥¸¬¸ú ª½µ¸ú ÇÅ¡¸ £¸¢©¸ ¢¤¸ÇÅú £¸¢©¸
PSLC Category Purchased Amount Sold amount

œ¸ú‡¬¸‡¥¸¬¸ú-¥¸‹¸º ‡¨¸¿ ¬¸úŸ¸¸¿÷¸ ˆ¼Å«¸ˆÅ (‡¬¸‡ûŇŸ¸‡ûÅ) 5,000 -

PSLC-Small & Marginal farmers (SFMF)
œ¸ú‡¬¸‡¥¸¬¸ú-ˆ¼Å¢«¸ / PSLC-Agriculture - -
œ¸ú‡¬¸‡¥¸¬¸ú-¬¸¸Ÿ¸¸›¡¸ / PSLC-General - -
œ¸ú‡¬¸‡¥¸¬¸ú-¬¸»®Ÿ¸ „Ô¸Ÿ¸ / PSLC-Micro Enterprises - -

ˆºÅ¥¸ / Total 5,000 -

31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ / During the year ended March 31, 2023
(` ˆÅ£¸½”õ) / (` Crore)
œ¸ú‡¬¸‡¥¸¬¸ú ª½µ¸ú ÇÅ¡¸ £¸¢©¸ ¢¤¸ÇÅú £¸¢©¸
PSLC Category Purchased Amount Sold amount

œ¸ú‡¬¸‡¥¸¬¸ú-¥¸‹¸º ‡¨¸¿ ¬¸úŸ¸¸¿÷¸ ˆ¼Å«¸ˆÅ (‡¬¸‡ûŇŸ¸‡ûÅ) 4,932 -

PSLC-Small & Marginal farmers (SFMF)

œ¸ú‡¬¸‡¥¸¬¸ú-ˆ¼Å¢«¸ / PSLC-Agriculture - 600

œ¸ú‡¬¸‡¥¸¬¸ú-¬¸¸Ÿ¸¸›¡¸ / PSLC-General - 2,600

œ¸ú‡¬¸‡¥¸¬¸ú-¬¸»®Ÿ¸ „Ô¸Ÿ¸ / PSLC-Micro Enterprises - 5,535

ˆºÅ¥¸ / Total 4,932 8,735

406 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
”õ) œÏ¸¨¸š¸¸›¸ ÷¸˜¸¸ ‚¸ˆÅ¦¬Ÿ¸ˆÅ÷¸¸‡¿
(e) Provisions and Contingencies

(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023
Particulars March 31, 2024 March 31, 2023
¢›¸¨¸½©¸¸Ê ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ ^ / Provision for Investments^ 284 1188
‡›¸œ¸ú‡ ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ ^ / Provision towards NPA^ (670) (5,190)
ˆÅ£¸Ê ˆ½Å ¢¥¸‡ ¢ˆÅ‡ Š¸‡ œÏ¸¨¸š¸¸›¸ - ¨¸÷¸ÄŸ¸¸›¸ ˆÅ£ 0 (205)
Provision made towards Taxes - Current Tax
- ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ / Deferred Tax 2,561 1,797
‚›¡¸ œÏ¸¨¸š¸¸›¸ ÷¸˜¸¸ ‚¸ˆÅ¦¬Ÿ¸ˆÅ÷¸¸‡¿
Other Provisions and Contingencies
Ÿ¸¸›¸ˆÅ ‚¸¦¬÷¸ ˆ½Å œÏ¢÷¸ œÏ¸¨¸š¸¸›¸ (161) 1,906
Provision towards Standard Asset
œ¸º›¸À¬¸¿£¢¸÷¸ ‚¸¦¬÷¸¡¸¸Ê(‡ûÅ‚¸ƒÄ’ú‡¥¸ ¬¸¢í÷¸) ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ (12) (57)
Provision for Restructured Assets (including FITL)
¤¸’Ã’½ ‰¸¸÷¸½ ”¸¥¸½ Š¸‡ ‚©¸¸½š¡¸ †µ¸ / Bad debts written off 1,681 4,018
‚›¡¸ œÏ¸¨¸š¸¸›¸@ / Other Provision@ 275 1,634
ˆºÅ¥¸ / Total 3,958 5,091

@ ‚›¡¸ œÏ¸¨¸š¸¸›¸ Ÿ¸Ê ‚›¡¸ ¤¸¸÷¸¸Ê ˆ½Å ¬¸¸˜¸-¬¸¸˜¸ `152.97 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä `1,293 ˆÅ£¸½”õ ) ˆ½Å ‡›¸œ¸ú‡ Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅú Š¸¾£-¢›¸¢š¸ ‚¸š¸¸¢£÷¸ ¬¸úŸ¸¸‚¸Ê
œ¸£ œÏ¸¨¸š¸¸›¸ ©¸¸¢Ÿ¸¥¸ í¾.
@ Other Provision inter-alia includes provision on Non- fund based limits of NPA cases of ` 152.97 crore (Previous year
` 1,293 crore).

^¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢›¸¨¸½©¸ ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ Ÿ¸Ê ›¸ƒÄ œÏ¢÷¸ž¸»¢÷¸ £¬¸ú™¸Ê (Ÿ¸¸½¸›¸ ‹¸’¸ˆÅ£) ˆ½Å ‚¢š¸ŠÏíµ¸ ˆ½Å ¢¨¸³Ö ¬¸¼¢¸÷¸ ` 265 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä `1,426
ˆÅ£¸½”õ) ©¸¸¢Ÿ¸¥¸ íÿ.
^Provision for Investment includes ` 265 crore (previous year - ` 1,426 crore) created against acquisition of new security
receipts (Net of redemption) during the year.

¸) ‚¸ƒÄ‡ûÅ‚¸£‡¬¸ ‚¢ž¸Ÿ¸º‰¸ ž¸¸£÷¸ú¡¸ ¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ (ƒ¿” ‡‡¬¸) ˆÅ¸ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸
f) Implementation of IFRS converged Indian Accounting Standard (Ind AS)

ˆÅ¸Á£œ¸¸½£½’ ˆÅ¸¡¸Ä Ÿ¸¿°¸¸¥¸¡¸ (‡Ÿ¸¬¸ú‡) ›¸½ 16 ûÅ£¨¸£ú 2015 ˆÅú ‚¢š¸¬¸»¸›¸¸ ˆ½Å ׸£¸ ‚¸ƒÄ‡ûÅ‚¸£‡¬¸ ‚¢ž¸Ÿ¸º‰¸ ž¸¸£÷¸ú¡¸ ¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ (ƒ¿” ‡‡¬¸) ˆÅ¸½
‚¢š¸¬¸»¢¸÷¸ ¢ˆÅ¡¸¸ ˜¸¸ ‚¸¾£ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2018-19 ¬¸½ ¤¸ÿˆÅ¸Ê, ¤¸úŸ¸¸ ˆ¿Åœ¸¢›¸¡¸¸Ê ‚¸¾£ ‡›¸¤¸ú‡ûöŬ¸ú ˆ½Å ¢¥¸‡ ƒ¿” ‡‡¬¸ ˆÅú œÏ¡¸¸½¡¸÷¸¸ í½÷¸º £¸½” Ÿ¸¾œ¸ (18 ¸›¸¨¸£ú
2016 ˆÅú œÏ½¬¸ ¢¨¸±¸¦œ÷¸ ˆ½Å ׸£¸) ž¸ú ‚¢š¸¬¸»¢¸÷¸ ¢ˆÅ¡¸¸ ˜¸¸.
The Ministry of Corporate Affairs (MCA) had notified IFRS-converged Indian Accounting Standards (Ind AS) vide
Notification dated February 16, 2015 and had also notified (vide press release dated January 18, 2016) the roadmap for
applicability of Ind AS for Banks, Insurance companies and NBFCs from FY 2018-19.

¢£{¸¨¸Ä ¤¸ÿˆÅ ›¸½ ¬¸ž¸ú ‚›¸º¬¸»¢¸÷¸ ¨¸¸¢µ¸¦¡¸ˆÅ ¤¸ÿˆÅ¸Ê ˆÅ¸½ 01 ‚œÏ¾¥¸ 2018 ¬¸½ œÏ¸£¿ž¸ í¸½›¸½ ¨¸¸¥¸ú ¥¸½‰¸¸¿ˆÅ›¸ ‚¨¸¢š¸¡¸¸Ê ˆ½Å ¢¥¸‡ ƒ¿” ‡‡¬¸ ˆ½Å ‚›¸º³Åœ¸ ¢¨¸î¸ú¡¸
¢¨¸¨¸£µ¸¸Ê ˆÅ¸½ ÷¸¾¡¸¸£ ˆÅ£›¸½ í½÷¸º ¬¸»¢¸÷¸ ¢ˆÅ¡¸¸ ‚¸¾£ ƒ¿” ‡‡¬¸ ˆÅú ‚¸½£ œ¸¢£¨¸¢÷¸Ä÷¸ í¸½›¸½ ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¡¸-¬¸úŸ¸¸ ¢›¸š¸¸Ä¢£÷¸ ˆÅú.
RBI advised all scheduled commercial banks to prepare financial statements for accounting periods beginning from
April 1, 2018 onwards in accordance with Ind AS and prescribed a timeframe for transition towards Ind AS.

ƒ¬¸ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ›¸½ ¢¨¸î¸ú¡¸ œ¸¢£µ¸¸Ÿ¸¸Ê ˆÅ¸½ ÷¸¾¡¸¸£ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ƒ¿” ‡‡¬¸ ˆÅ¸ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ œÏ¸£¿ž¸ ¢ˆÅ¡¸¸ ˜¸¸. „¬¸ˆ½Å ¤¸¸™ ¢£{¸¨¸Ä ¤¸ÿˆÅ
›¸½ ‚œ¸›¸½ ¢™›¸¸¿ˆÅ 22 Ÿ¸¸¸Ä 2019 ˆ½Å œ¸¢£œ¸°¸ ¬¸¿.”ú¤¸ú‚¸£.¤¸úœ¸ú.¤¸ú¬¸ú.¬¸¿. 29/21.07.001/2018-19 ˆ½Å ׸£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ „Ô¸¸½Š¸ ˆ½Å ¢¥¸‡ ƒ¿” ‡‡¬¸ ˆ½Å
ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆÅ¸½ ‚Š¸¥¸ú ¬¸»¸›¸¸ ÷¸ˆÅ ‚¸¬˜¸¢Š¸÷¸ £‰¸›¸½ ˆÅ¸ ¢›¸µ¸Ä¡¸ ¢ˆÅ¡¸¸. ƒ¬¸ˆ½Å ‚¢÷¸¢£Æ÷¸, ¢£{¸¨¸Ä ¤¸ÿˆÅ ›¸½ 8 ‚Š¸¬÷¸ 2021 ˆ½Å ‚œ¸›¸½ œ¸°¸ ׸£¸ œÏ¸½ûŸÁŸ¸¸Ä ƒ¿”
‡‡¬¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ œÏ¬÷¸º¢÷¸ ˆÅú ¤¸¸£¿¤¸¸£÷¸¸ ˆÅ¸½ ˆÅŸ¸ ˆÅ£ ¢÷¸Ÿ¸¸íú ˆ½Å ¬˜¸¸›¸ œ¸£ ŽŸ¸¸íú ˆÅ£›¸½ ˆÅ¸ ¢›¸µ¸Ä¡¸ ¢ˆÅ¡¸¸ í¾. ÷¸™Ã›¸º¬¸¸£, ¤¸ÿˆÅ ¢›¸¢™Ä«’ ¬¸Ÿ¸¡¸ ¬¸úŸ¸¸ ˆ½Å
‚¿™£ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆÅ¸½ ‚š¸Ä ¨¸¸¢«¸ÄˆÅ ‚¸š¸¸£ œ¸£ ƒ¿” ‡‡¬¸ œÏ¸½ûŸÁŸ¸¸Ä ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ œÏ¬÷¸º÷¸ ˆÅ£÷¸¸ í¾.
Consequent to this, IDBI had commenced implementation of Ind AS in preparation of financial results. RBI has
subsequently decided to defer the implementation of Ind AS for banking industry till further notice vide its Circular No.

dm{f©H$ [anmoQ>© Annual Report 2023-24 407

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
DBR.BP.BC.No.29/21.07.001/2018-19 dated March 22, 2019. Further, RBI vide its communication dated August 08,
2021 decided to reduce the frequency of Pro-forma Ind AS Financial Statement submission from quarterly to half yearly.
Accordingly Bank is submitting Ind AS Proforma Financial Statements on half yearly basis to RBI within the stipulated
time.

¸»¿¢ˆÅ ¡¸í ¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ¸Ê ˆ½Å ›¸‡ ¬¸½’ ˆÅú ‚¸½£ œ¸¢£¨¸÷¸Ä›¸ ˆÅú ©¸º³Å‚¸÷¸ í¾ ‚¸¾£ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆÅú ‚¸½£ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ˆ½Å œÏ¸³Åœ¸ ˆÅú ‚¢š¸¬¸»¸›¸¸ ‚¸¾£ ¬¸¸˜¸
íú ƒ¿” ‡‡¬¸ œ¸¢£¨¸½©¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢¨¸¢ž¸››¸ Ÿ¸¸¾¸»™¸ œ¸¢£œ¸°¸¸Ê ˆÅú œÏ¡¸¸½¡¸÷¸¸ œ¸£ ¬œ¸«’úˆÅ£µ¸ ˆÅú œÏ÷¸ú®¸¸ í¾ ƒ¬¸¢¥¸‡ ¤¸ÿˆÅ ˆ½Å ¢¥¸‡ ¢£{¸¨¸Ä ¤¸ÿˆÅ
׸£¸ ¸¸£ú ¢ˆÅ‡ ¸¸›¸½ ¨¸¸¥¸½ ‚¿¢÷¸Ÿ¸ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ¢¨¸¢ž¸››¸ ¢›¸¢÷¸¡¸¸½¿ ˆ½Å ™¬÷¸¸¨¸½¸ (¡¸˜¸¸-¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸, ¢›¸¨¸½©¸ ›¸ú¢÷¸¡¸¸¿), œ¸¢£¸¸¥¸›¸ œÏ¢ÇÅ¡¸¸
¸¿¸¸ ‚¸¾£ ‚¸ƒÄ’ú ‡ˆÅúˆÅ£µ¸ ÷¸¾¡¸¸£ ˆÅ£›¸¸ ‚¸¨¸©¡¸ˆÅ í¾ ¢¸›íÊ ‚¸›¸½ ¨¸¸¥¸½ ¬¸Ÿ¸¡¸ Ÿ¸Ê ¥¸Š¸¸÷¸¸£ ‚Ô¸¢÷¸÷¸ / ‚¸©¸¸½¢š¸÷¸ / ¢¨¸ˆÅ¢¬¸÷¸ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸. ¤¸ÿˆÅ ˆ½Å ¢¥¸‡
ƒ¿” ‡‡¬¸ ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆ½Å ™¸¾£¸›¸ œÏŸ¸º‰¸ œÏž¸¸¨¸ ¨¸¸¥¸½ ®¸½°¸¸Ê Ÿ¸Ê œÏž¸¸¨¸ú ¤¡¸¸¸ ™£ ¥¸½‰¸¸¿ˆÅ›¸, „¢¸÷¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢›¸¢¨¸¦«’¡¸¸¿, ˆÅ¸¡¸ÄœÏµ¸¸¥¸ú ‚¸¾£ š¸¸£µ¸¸‡¿, ˆÅƒÄ
¢¥¸‰¸÷¸¸Ê Ÿ¸Ê ¢¨¸¢©¸«’ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢¨¸¸¸£, ‚œ¸½¢®¸÷¸ ǽŢ”’ í¸¢›¸¡¸¸¿, ˆÅŸ¸Ä¸¸£ú ¬’¸ÁˆÅ ¢¨¸ˆÅ¥œ¸ ‚¸¾£ œÏ¸¾Ô¸¸½¢Š¸ˆÅú œÏµ¸¸¢¥¸¡¸¸Ê ˆÅ¸ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ©¸¸¢Ÿ¸¥¸ íÿ.
As it is a beginning of transition to new set of Accounting Standards and awaiting notification of Financial Statements
format by RBI as well as clarifications on applicability of various existing RBI Circulars under Ind AS environment, the Bank
is required to formulate various policies papers (viz. Risk Management, Investments Policies), operational process setup
and IT integration based on final guidelines to be issued by RBI, which will be continuously updated/modified/ evolved
over a period of time. The key impact areas during implementation of Ind AS for the Bank include Effective Interest Rate
accounting, fair valuation inputs, methodologies and assumptions, specific valuation considerations in many instruments,
expected credit losses, employee stock options and implementation of technology systems.

¤¸ÿˆÅ ›¸½ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆÅ¸½ œÏ¬÷¸º÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‚¸ƒÄ¬¸ú‡‚¸ƒÄ ׸£¸ ¸¸£ú ƒ¿” ‡‡¬¸ ˆ½Å ‚›¸º³Åœ¸ ŽŸ¸¸íú ƒ¿” ‡‡¬¸ œÏ¸½ûŸÁŸ¸¸Ä ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅ¸½ ÷¸¾¡¸¸£ ˆÅ£›¸½
÷¸˜¸¸ „›¸ˆÅú œÏ¬÷¸º¢÷¸ ˆ½Å ¢¥¸‡ ¢¨¸¢ž¸››¸ ‚¨¸š¸¸£µ¸¸ ˆÅ¸Š¸¸¸÷¸ ÷¸¾¡¸¸£ ¢ˆÅ‡ íÿ.
Bank has prepared various concept papers in line with Ind AS issued by ICAI, for preparation and submission of half
yearly Ind AS Pro-forma Financials to RBI.

Ž) ”ú‚¸ƒÄ¬¸ú¸ú¬¸ú ¤¸úŸ¸¸ œÏú¢Ÿ¸¡¸Ÿ¸ ˆÅú ‚™¸¡¸Š¸ú

g) Payment of DICGC Insurance Premium
(` ˆÅ£¸½”õ) / (` Crore)

ÇÅŸ¸ ¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

¬¸¿. Particulars ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡
Sr. For the year ended For the year ended
No. March 31, 2024 March 31, 2023

i) ”ú‚¸ƒÄ¬¸ú¸ú¬¸ú ¤¸úŸ¸¸ œÏú¢Ÿ¸¡¸Ÿ¸ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ 315 286

Payment of DICGC Insurance Premium

ii) ”ú‚¸ƒÄ¬¸ú¸ú¬¸ú œÏú¢Ÿ¸¡¸Ÿ¸ ˆ½Å ž¸ºŠ¸÷¸¸›¸ ˆ½Å ¢¥¸‡ ¤¸ˆÅ¸¡¸¸ £¸¢©¸¡¸¸¿ - -

Arrears in payment of DICGC premium

¸) í¢£÷¸ ¸Ÿ¸¸‚¸Ê ¬¸½ ¸º’¸ƒÄ Š¸ƒÄ ¢›¸¢š¸ ˆ½Å „œ¸¡¸¸½Š¸ œ¸£ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½-¬÷¸£ ˆÅú ¸¸›¸ˆÅ¸£ú
h) Portfolio-level information on the use of funds raised from green deposits

¤¸ÿˆÅ ›¸½ ¸¸¥¸» ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ‡¨¸¿ ¢œ¸Ž¥¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å ™¸¾£¸›¸ í¢£÷¸ ¸Ÿ¸¸ ¬¸½ ˆÅ¸½ƒÄ ¢›¸¢š¸ ›¸íú¿ ¸º’¸ƒÄ í¾.
Bank has not raised any funds from green deposit during current financial year 2023-24 & previous financial
year 2022-23.

15. ¢¨¸¨¸½ˆÅœ¸»µ¸Ä ‡Æ¬¸œ¸¸½¸£ ¬¸úŸ¸¸‡¿ / Prudential Exposure Limits

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ / For the year ended March 31, 2024
31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ‡¥¸ƒÄ‡ûöÅ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¤¸ÿˆÅ ˆ½Å ‡ˆÅ¥¸ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ÷¸˜¸¸ ¬¸¿¤¸Ö œÏ¢÷¸œ¸®¸ú ¬¸Ÿ¸»í ‡Æ¬¸œ¸¸½¸£¸Ê
ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ˆÅ¸½ƒÄ „¥¥¸¿‹¸›¸ ›¸íú¿ íº‡ íÿ. ‡ˆÅ¥¸ œÏ¢÷¸œ¸®¸ „š¸¸£ˆÅ÷¸¸Ä ÷¸˜¸¸ ¬¸¿¤¸Ö œÏ¢÷¸œ¸®¸ú ¬¸Ÿ¸»í¸Ê ˆ½Å ‡Æ¬¸œ¸¸½¸£ œ¸¸°¸ œ¸»¿¸ú ‚¸š¸¸£ ‚˜¸¸Ä÷¸Ã ¢’¡¸£ I œ¸»¿¸ú ˆÅú 20%
‚¸¾£ 25% ˆÅú ¢¨¸¨¸½ˆÅœ¸»µ¸Ä ‡Æ¬¸œ¸¸½¸£ ¬¸úŸ¸¸‚¸Ê ˆ½Å ‚¿™£ ˜¸½.
During the year ended March 31, 2024, there were no breaches in respect of Single borrowers and Group of Connected
Counterparties exposures of the Bank under LEF guidelines of RBI. Exposures to single counterparty borrower and group of
connected counterparties were within the prudential exposure limits of 20% and 25% of eligible capital base i.e. Tier I Capital.

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31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ / For the year ended March 31, 2023
31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ‡¥¸ƒÄ‡ûöÅ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¤¸ÿˆÅ ˆ½Å ‡ˆÅ¥¸ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ÷¸˜¸¸ ¬¸¿¤¸Ö œÏ¢÷¸œ¸®¸ú ¬¸Ÿ¸»í ‡Æ¬¸œ¸¸½¸£¸Ê
ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ˆÅ¸½ƒÄ „¥¥¸¿‹¸›¸ ›¸íú¿ íº‡ íÿ. ‡ˆÅ¥¸ œÏ¢÷¸œ¸®¸ „š¸¸£ˆÅ÷¸¸Ä ÷¸˜¸¸ ¬¸¿¤¸Ö œÏ¢÷¸œ¸®¸ú ¬¸Ÿ¸»í¸Ê ˆ½Å ‡Æ¬¸œ¸¸½¸£ œ¸¸°¸ œ¸»¿¸ú ‚¸š¸¸£ ‚˜¸¸Ä÷¸Ã ¢’¡¸£ I œ¸»¿¸ú ˆÅú 20%
‚¸¾£ 25% ˆÅú ¢¨¸¨¸½ˆÅœ¸»µ¸Ä ‡Æ¬¸œ¸¸½¸£ ¬¸úŸ¸¸‚¸Ê ˆ½Å ‚¿™£ ˜¸½.
During the year ended March 31, 2023, there were no breaches in respect of Single borrowers and Group of Connected
Counterparties exposures of the Bank under LEF guidelines of RBI. Exposures to single counterparty borrower and group of
connected counterparties were within the prudential exposure limits of 20% and 25% of eligible capital base i.e. Tier I Capital.

16. ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ (¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ - œÏ¬÷¸º¢÷¸ ‚¸¾£ œÏˆÅ’›¸) ˆ½Å ¢›¸™½Ä©¸¸Ê, 2021 ˆ½Å ‚›¸º¬¸¸£ œÏˆÅ’›¸ - Ÿ¸í÷¨¸œ¸»µ¸Ä Ÿ¸™¸Ê ˆÅ¸
œÏˆÅ’›¸
Disclosure as per Reserve Bank of India (Financial Statements - Presentation and Disclosures)
Directions, 2021 - Disclosure of material items

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ / For the year ended March 31, 2024

ˆÅ. `‚›¸º¬¸»¸ú 14 - ‚›¡¸ ‚¸¡¸' ©¸ú«¸ÄˆÅ ˆ½Å ‚¿÷¸Š¸Ä÷¸ „œ¸©¸ú«¸ÄˆÅ `¢¨¸¢¨¸š¸ ‚¸¡¸' ˆ½Å ÷¸í÷¸ ˆºÅ¥¸ ‚¸¡¸ ˆ½Å ‡ˆÅ œÏ¢÷¸©¸÷¸ ¬¸½ ‚¢š¸ˆÅ ˆÅú Ÿ¸™Ê - ©¸»›¡¸
A. Item under the subhead “Miscellaneous Income” under the head “Schedule 14-Other Income” exceeding one percent of
total income - NIL.

‰¸. `‚›¸º¬¸»¸ú 16 - œ¸¢£¸¸¥¸›¸ ¨¡¸¡¸' ©¸ú«¸ÄˆÅ ˆ½Å ‚¿÷¸Š¸Ä÷¸ „œ¸©¸ú«¸ÄˆÅ ``‚›¡¸'' ˆ½Å ÷¸í÷¸ ˆºÅ¥¸ ‚¸¡¸ ˆ½Å ‡ˆÅ œÏ¢÷¸©¸÷¸ ¬¸½ ‚¢š¸ˆÅ ˆÅú Ÿ¸™Ê À
B. Items under subhead “Others” under the head “Schedule 16 - Operating Expenses” exceeding one percent of total
income:

(` ˆÅ£¸½”õ) / (` Crore))

¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 ˆºÅ¥¸ ‚¸¡¸ ˆÅ¸ 31 Ÿ¸¸¸Ä 2023 ˆºÅ¥¸ ‚¸¡¸ ˆÅ¸
Particulars ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä % ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä %
ˆ½Å ¢¥¸‡ % of Total ˆ½Å ¢¥¸‡ % of Total
For the year Income Income
For the year
ended March
31, 2024 ended on
March 31,
2023

ˆÅ¸”Ä ‡¨¸¿ ‡’ú‡Ÿ¸ ¨¡¸¡¸ / Card & ATM expenses 333 1.11% 324 1.30%

¤¸¸à¸è¸¸½÷¸ú¡¸ ¨¡¸¡¸ / Outsourcing expenses 705 2.35% 655 2.63%

‚›¡¸ ¨¡¸¡¸ # / Other expenditure # 694 2.31% 519 2.08%

# ‚›¡¸ ¨¡¸¡¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ œÏŸ¸º‰¸ Ÿ¸™¸Ê Ÿ¸Ê ¢›¸¢¨¸¦«’ ’¾Æ¬¸ ǽŢ”’ ˆÅ¸ œÏ¢÷¸¨¸÷¸Ä›¸ - ` 210 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 198 ˆÅ£¸½”õ), œ¸ú‡¬¸‡¥¸¬¸ú ¥¸½›¸™½›¸
ˆ½Å ¢¥¸‡ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ‡ Š¸‡ œÏú¢Ÿ¸¡¸Ÿ¸ ˆÅ¸ ¨¡¸¡¸ - ` 111 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 73 ˆÅ£¸½”õ) ‚¸¾£ ¥¸¸ž¸¸¿©¸ œÏ¤¸¿š¸›¸ ¨¡¸¡¸ - ` 68 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä
`38 ˆÅ£¸½”õ) ©¸¸¢Ÿ¸¥¸ í¾.
# Major items under other expenditure include Reversal of Input Tax Credit - ` 210 crore (Previous year ` 198 crore),
Expense for premium paid for PSLC transaction - ` 111 crore (Previous year ` 73 crore), and Dividend handling expense
– ` 68 crore (Previous year ` 38 crore).

dm{f©H$ [anmoQ>© Annual Report 2023-24 409

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
Š¸. `‚›¸º¬¸»¸ú 5 - ‚›¡¸ ™½¡¸÷¸¸‡¿ ‚¸¾£ œÏ¸¨¸š¸¸›¸' ˆ½Å ‚¿÷¸Š¸Ä÷¸ „œ¸©¸ú«¸ÄˆÅ ``‚›¡¸ œÏ¸¨¸š¸¸›¸'' ˆ½Å ÷¸í÷¸ ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ‡ˆÅ œÏ¢÷¸©¸÷¸ ¬¸½ ‚¢š¸ˆÅ ˆÅú Ÿ¸™ÊÀ
C. Items under subhead “Other Provisions” under the “Schedule 5 - Other Liabilities and Provisions” exceeding one percent
of total assets:
(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸Ê 31 Ÿ¸¸¸Ä 2023 ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸Ê
Particulars ˆÅ¸½ ˆÅ¸ % ˆÅ¸½ ˆÅ¸ %
As at % to Total As at % to Total
March 31, Assets March 31, Assets
2024 2023
Ÿ¸¸›¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¢¨¸³Ö ¢¨¸¨¸½ˆÅœ¸»µ¸Ä œÏ¸¨¸š¸¸›¸ 4,817 1.33% 4,977 1.51%
Prudential provisions against standard
assets
‚›¡¸ œÏ¸¨¸š¸¸›¸# / Other provisions # 6,017 1.66% 5,072 1.53%
¢¨¸¢¨¸š¸
## - - 3,291 1.00%
(ƒ¬¸ ©¸ú«¸ÄˆÅ ˆ½Å ‚¿÷¸Š¸Ä÷¸ œÏŸ¸º‰¸ Ÿ¸™¸Ê Ÿ¸½¿ ¢¨¸œÏ½«¸µ¸/
¬¸Ÿ¸¸¸¾÷¸¸ £¸„¢’¿Š¸ ‰¸¸÷¸½ ©¸¸¢Ÿ¸¥¸ íÿ.)
Miscellaneous##
(Under this head, major items are
Remittance / Settlement Routing Accounts )
# ``‚›¡¸ œÏ¸¨¸š¸¸›¸'' ˆ½Å ‚¿÷¸Š¸Ä÷¸ œÏŸ¸º‰¸ Ÿ¸™¸Ê Ÿ¸Ê ‡›¸œ¸ú‡ ‡›¸‡ûöŤ¸ú ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ - ` 2128 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 1975 ˆÅ£¸½”õ), ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸
œÏ¸¨¸š¸¸›¸ - ` 1427 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 1153 ˆÅ£¸½”õ) ‚¸¾£ Š¸¾£-¤¸ÿ¢ˆ¿ÅŠ¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ - ` 747 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 747 ˆÅ£¸½”õ),
©¸¸¢Ÿ¸¥¸ í¾.
# Major items under “Other provisions” include Provision for NPA NFB - ` 2128 crore (Previous year ` 1975 crore),
Employee Benefit Provision - ` 1427 crore (Previous year ` 1153 crore) and Provision for Non-Banking Assets – ` 747
crore (Previous year ` 747 crore)
## 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ˆºÅ¥¸ ‚¸¢¬÷¸¡¸¸½¿ ˆ½Å 1% ¬¸½ ‚¢š¸ˆÅ ›¸íì
## Not exceeding 1% of Total assets as at March 31, 2024.

‹¸. ``‚›¸º¬¸»¸ú 11 - ‚›¡¸ ‚¸¦¬÷¸¡¸¸¿'' ˆ½Å ‚¿÷¸Š¸Ä÷¸ „œ¸©¸ú«¸ÄˆÅ ``‚›¡¸'' ˆ½Å ÷¸í÷¸ ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ‡ˆÅ œÏ¢÷¸©¸÷¸ ¬¸½ ‚¢š¸ˆÅ ˆÅú Ÿ¸™ÊÀ
D. Items under subhead “Others” under the “Schedule 11 - Other Assets” exceeding one percent of total assets:

(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸Ê 31 Ÿ¸¸¸Ä 2023 ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸Ê
Particulars ˆÅ¸½ ˆÅ¸ % ˆÅ¸½ ˆÅ¸ %
As at % to Total As at % to Total
March 31, Assets March 31, Assets
2024 2023
‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ (¢›¸¨¸¥¸) / Deferred Tax 8,960 2.47% 11,521 3.49%
Asset (net)
¢¨¸¢¨¸š¸# / Miscellaneous# 7,753 2.13% 10,842 3.28%

# ¢¨¸¢¨¸š¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ œÏŸ¸º‰¸ Ÿ¸™¸Ê Ÿ¸Ê ›¸¸¤¸¸”Ä, ‡›¸‡¸¤¸ú, Ÿ¸ºÍ¸ ‚¸¾£ ¢¬¸”¤¸ú ˆ½Å œ¸¸¬¸ `5,355 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 8,353 ˆÅ£¸½”õ) ˆÅú œ¸ú‡¬¸‡¥¸
¸Ÿ¸¸£¸¢©¸¡¸¸¿ ©¸¸¢Ÿ¸¥¸ íÿ.
# Major items under Miscellaneous include PSL deposits amounting to ` 5,355 crore (Previous year ` 8,353 crore) held
with NABARD, NHB, Mudra and SIDBI.

17. Š¸¾£-ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ¸Ê (‡›¸ƒÄ”ú) ˆÅ¸½ œ¸¸¢£ª¢Ÿ¸ˆÅ

Remuneration to the Non-Executive Directors (NEDs)
¤¸ÿˆÅ Š¸¾£-ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ¸Ê (‡›¸ƒÄ”ú) ˆÅ¸½ ¢›¸¡¸÷¸ œ¸¸¢£ª¢Ÿ¸ˆÅ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ›¸íú¿ ˆÅ£÷¸¸. ¬¸£ˆÅ¸£ ׸£¸ ›¸¸¢Ÿ¸÷¸ ¢›¸™½©¸ˆÅ¸Ê ˆ½Å ‚¥¸¸¨¸¸ ¬¸ž¸ú Š¸¾£- ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ
¢›¸™½©¸ˆÅ¸Ê ˆÅ¸½ ˆ½Å¨¸¥¸ ¤¸¾“ˆÅ ©¸º¥ˆÅ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Bank does not pay fixed remuneration to the Non-Executive Directors (NEDs). All the Non-Executive Directors, except the
Government Nominee Directors, are only paid sitting fees.

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‚¸. ¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ¸Ê ˆ½Å ‚›¸º¬¸¸£ œÏˆÅ’›¸ ¬¸¿¤¸¿š¸ú ‚¸¨¸©¡¸ˆÅ÷¸¸‡¿
B. DISCLOSURE REQUIREMENTS AS PER ACCOUNTING STANDARDS
1. ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ¢›¸¨¸¥¸ ¥¸¸ž¸ ¡¸¸ í¸¢›¸, œ¸»¨¸Ä ‚¨¸¢š¸ ˆÅú Ÿ¸™Ê ‚¸¾£ ¥¸½‰¸¸ ›¸ú¢÷¸¡¸¸Ê Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ (‡‡¬¸-5)
Net Profit or Loss for the period, prior period items and changes in accounting policies (AS-5)

- 31 Ÿ¸¸¸Ä 2024 ÷¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ œ¸»¨¸Ä ‚¨¸¢š¸ ˆÅú ‚¸¡¸/ ¨¡¸¡¸ ˆÅú ˆÅ¸½ƒÄ Ÿ¸í÷¨¸œ¸»µ¸Ä Ÿ¸™Ê ›¸íú¿ ˜¸ú¿.
There were no material prior period income/ expenditure items for the year ended March 31, 2024 and March 31,
2023.
- œ¸»¨¸Ä¨¸÷¸úÄ ¢¨¸î¸ú¡¸ ¨¸«¸Ä Ÿ¸½ ‚œ¸›¸¸ƒÄ Š¸ƒÄ ¥¸½‰¸¸¿ˆÅ›¸ ›¸ú¢÷¸¡¸¸Ê ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚œ¸›¸¸ƒÄ Š¸ƒÄ Ÿ¸í÷¨¸œ¸»µ¸Ä ¥¸½‰¸¸¿ˆÅ›¸ ›¸ú¢÷¸¡¸¸½¿ Ÿ¸½¿
ˆÅ¸½ƒÄ œ¸¢¨¸÷¸Ä›¸ ›¸íì íÿ.
There is no change in significant accounting policies adopted during the year ended March 31, 2024 as compared to
those followed in the previous financial year.

2. ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸¿ (¬¸¿œ¸¢î¸, ¬¸¿¡¸¿°¸ ‡¨¸¿ „œ¸ˆÅ£µ¸) (‡‡¬¸-10) / Fixed Assets (Property, Plant & Equipment’s) (AS-10)

ˆÅ) 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ œ¸º›¸Ÿ¸»Ä¥¡¸¸¿ˆÅ›¸ ¢£{¸¨¸Ä Ÿ¸Ê ©¸½«¸ `7,933 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 8,201 ˆÅ£¸½”õ) í¾.
a) The balance in Revaluation Reserve as at March 31, 2024 is ` 7,933 Crores (Previous year ` 8,201 Crores).

‰¸) ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¸¨¸¸¬¸ú¡¸/ ˆÅ¸¡¸¸Ä¥¸¡¸ ž¸¨¸›¸¸Ê ‚¸¾£ ‚›¡¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¢¤¸ÇÅú ¬¸½ íºƒÄ ` 0.71 ˆÅ£¸½”õ ˆÅú ¢›¸¨¸¥¸ í¸¢›¸ (¢œ¸Ž¥¸½ ¨¸«¸ÄÀ ` 2 ˆÅ£¸½”õ ˆÅú ¢›¸¨¸¥¸
í¸¢›¸) ˆÅú £¸¢©¸ ˆÅ¸½ ‚›¸º¬¸»¸ú 14 - ‚›¡¸ ‚¸¡¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
b) Net loss amounting to ` 0.71 crore (Previous year: Net Loss ` 2 crore) on account of sale of residential / office buildings
and other assets during the year is included in Schedule 14 - Other Income.

Š¸) ¥¸¸ž¸¸¿©¸¸Ê ˆ½Å ¢¨¸÷¸£µ¸ ˆ½Å ¢¥¸‡ œ¸º›¸Ÿ¸»Ä¥¡¸¸¿ˆÅ›¸ ¢£{¸¨¸Ä „œ¸¥¸¤š¸ ›¸íú¿ íÿ.
c) Revaluation reserve is not available for distribution of dividends

‹¸) ¤¸ÿˆÅ ›¸½ ‡›¸¤¸ú¬¸ú¬¸ú ׸£¸ „œ¸¥¸¤š¸ ˆÅ£¸‡ Š¸‡ ˆÅ¤¸½ œ¸°¸ ˆ½Å ‚¸š¸¸£ œ¸£ ` 334 ˆÅ£¸½”õ ˆÅú £¸¢©¸ ˆ½Å ¨¸¸¢µ¸¦¡¸ˆÅ ¬˜¸¸›¸ ˆ½Å ‡ˆÅ ¢í¬¬¸½ ˆÅ¸½ œ¸»¿¸úˆ¼Å÷¸ ¢ˆÅ¡¸¸ í¾.
íˆÅ ¢¨¸¥¸½‰¸ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆ½Å ›¸¸Ÿ¸ Ÿ¸Ê ¢›¸«œ¸¸¢™÷¸ ¢ˆÅ¡¸¸ ¸¸›¸¸ ©¸½«¸ í¾.
d) The Bank has capitalized a portion of commercial space amounting of ` 334 Cr on the basis of possession letter provided
by the NBCC. The title deed is yet to be executed in the name of IDBI Bank.

3. ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ (‡‡¬¸-15) (¬¸¿©¸¸½¢š¸÷¸) / Employee Benefits (AS-15) (Revised)

‚. ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ ¡¸¸½¸›¸¸‡¿
A. Employee Benefit Schemes

i. ¢›¸¢™Ä«’ ‚¿©¸™¸›¸ ¡¸¸½¸›¸¸‡¿ / Defined Contribution Schemes

ˆÅ) ž¸¢¨¸«¡¸ ¢›¸¢š¸ / a) Provident Fund
¤¸ÿˆÅ ˆ½Å „›¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ Ž¸½”õˆÅ£ ¢¸›í¸Ê›¸½ œ¸Ê©¸›¸ ¢¨¸ˆÅ¥œ¸ ¸º›¸¸ í¾, ¢¸›í¸Ê›¸½ 31 Ÿ¸¸¸Ä 2008 ¬¸½ œ¸í¥¸½ ¤¸ÿˆÅ Ÿ¸Ê ¬¸½¨¸¸ ŠÏíµ¸ ˆÅú í¾, „›íÊ
ž¸¢¨¸«¡¸ ¢›¸¢š¸ ¡¸¸½¸›¸¸ (œ¸ú‡ûҬ¸) ˆ½Å ‚¿÷¸Š¸Ä÷¸ ˆÅ¨¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ¤¸ÿˆÅ ‡ˆÅ ¢›¸¢™Ä«’ ‚¿©¸™¸›¸ ¸¸½ ¢ˆÅ Ÿ¸»¥¸ ¨¸½÷¸›¸ ˆ½Å ¢›¸¡¸÷¸ œÏ¢÷¸©¸÷¸ ˆ½Å
³Åœ¸ Ÿ¸Ê í¸½÷¸¸ í¾, œ¸ú‡ûҬ¸ Ÿ¸Ê ¸Ÿ¸¸ ˆÅ£÷¸¸ í¾. ž¸¢¨¸«¡¸ ¢›¸¢š¸ ¡¸¸½¸›¸¸ ˆÅ¸½ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆÅŸ¸Ä¸¸£ú ž¸¢¨¸«¡¸ ¢›¸¢š¸ ’﬒ (’﬒) ˆ½Å ›¡¸¸¬¸ú
Ÿ¸¿”¥¸ ׸£¸ ¬¸¿¸¸¢¥¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ í¸½Ÿ¸ ûŸƒ›¸Ê¬¸ ¢¥¸¢Ÿ¸’½” (‚¸ƒÄ‡¸‡ûŇ¥¸) ÷¸˜¸¸ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¢Š¸¥’ì¸ ¢¥¸¢Ÿ¸’½”
(‚¸ƒÄ¸ú‡¥¸) ˆ½Å ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ž¸¢¨¸«¡¸ ¢›¸¢š¸ ‚¿©¸™¸›¸ Ÿ¸ƒÄ 2011 ÷¸ˆÅ ®¸½°¸ú¡¸ ž¸¢¨¸«¡¸ ¢›¸¢š¸ ‚¸¡¸ºÆ÷¸ ˆ½Å œ¸¸¬¸ ¸Ÿ¸¸ ˆÅ£¸¡¸¸
Š¸¡¸¸ ˜¸¸ ‚¸¾£ „¬¸ˆ½Å ¤¸¸™ ‚¿©¸™¸›¸ …œ¸£ ¨¸¢µ¸Ä÷¸ ¢›¸¢š¸ Ÿ¸Ê ¸Ÿ¸¸ ¢ˆÅ‡ ˆÅ£¸¡¸¸ Š¸¡¸¸ í¾. ¨¸«¸Ä 2023-24 ˆ½Å ™¸¾£¸›¸ œ¸ú‡ûҬ¸ Ÿ¸Ê ` 6 ˆÅ£¸½”õ
(¢œ¸Ž¥¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 Ÿ¸Ê `7 ˆÅ£¸½”õ ) ˆÅ¸ ‚¿©¸™¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ‚¸¾£ ƒ¬¸½ ¥¸¸ž¸-í¸¢›¸ ‰¸¸÷¸½ ¬¸½ œÏž¸¸¢£÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
The Bank’s employees, excluding those who have opted for pension, who have joined Bank before
March 31, 2008 are covered by Provident Fund Scheme (PFS). The Bank makes a defined contribution
measured as a fixed percentage of basic salary to the PFS. The Provident Fund Scheme is managed by
“The Board of Trustees of IDBI Bank Employees’ Provident Fund Trust (Trust)”. In respect of employees
of IDBI Home Finance Limited (IHFL) and IDBI Gilts Limited (IGL), provident fund contributions were made
to Regional Provident Fund Commissioner up to May 2011 and thereafter contributions have been made

dm{f©H$ [anmoQ>© Annual Report 2023-24 411

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
to the aforementioned Fund. During the FY 2023-24 ` 6 crore (Previous FY 2022-23 ` 7 crore) has been
contributed to PFS and charged to Profit and Loss Account.

b) ‰¸) ›¸ƒÄ œ¸Ê©¸›¸ ¡¸¸½¸›¸¸ / New Pension Scheme

¤¸ÿˆÅ ˆ½Å ‡½¬¸½ ˆÅŸ¸Ä¸¸£ú ¢¸›í¸Ê›¸½ 1 ‚œÏ¾¥¸ 2008 ˆ½Å ¤¸¸™ ˆÅ¸¡¸ÄŠÏíµ¸ ¢ˆÅ¡¸¸ í¾, „›íÊ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ˆÅú ›¸ƒÄ œ¸Ê©¸›¸ ¡¸¸½¸›¸¸
(‚¸ƒÄ¤¸ú‡¥¸‡›¸œ¸ú‡¬¸) ˆ½Å ÷¸í÷¸ ˆÅ¨¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾, ¢¸¬¸Ÿ¸Ê ¤¸ÿˆÅ ¨¸½÷¸›¸ ‡¨¸¿ Ÿ¸íŠ¸¸ƒÄ ž¸î¸½ ˆ½Å ¢›¸š¸¸Ä¢£÷¸ œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢›¸¢ä¸÷¸
‚¿©¸™¸›¸ ˆÅ£÷¸¸ í¾. ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ™¸¾£¸›¸ ‚¸ƒÄ¤¸ú‡¥¸‡›¸œ¸ú‡¬¸ Ÿ¸Ê ` 199 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 Ÿ¸Ê ` 177
ˆÅ£¸½”õ) ˆÅ¸ ‚¿©¸™¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ‚¸¾£ ƒ¬¸½ ¥¸¸ž¸-í¸¢›¸ ‰¸¸÷¸½ ¬¸½ œÏž¸¸¢£÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
The Bank’s employees who have joined after April 1, 2008 are covered by IDBI Bank Ltd. New Pension
Scheme (IBLNPS) to which Bank makes a defined contribution as a fixed percentage of Pay and Dearness
Allowance. During the FY 2023-24, ` 199 crore (Previous FY 2022-23 ` 177 crore) has been contributed
to IBLNPS and charged to Profit and Loss Account.

ii. ¢›¸¢™Ä«’ ¥¸¸ž¸ ¡¸¸½¸›¸¸‡¿ / / Defined Benefit Schemes

ˆÅ. ¤¸ÿˆÅ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅú ŠÏ½¡¸º’ú ™½¡¸÷¸¸ ˆ½Å ¢¥¸‡ `‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆÅŸ¸Ä¸¸£ú ŠÏ½¡¸º’ú û¿Å” ’﬒' Ÿ¸Ê ‚¿©¸™¸›¸ ™½÷¸¸ í¾.
a. The Bank makes contributions for the gratuity liability of the employees to the ‘IDBI Bank Employees
Gratuity Fund Trust’.

‰¸. ¤¸ÿˆÅ ˆ½Å ˆºÅŽ ˆÅŸ¸Ä¸¸£ú œ¸Ê©¸›¸ ˆ½Å ¢¥¸‡ ž¸ú œ¸¸°¸ íÿ, ¢¸¬¸ˆÅ¸ œÏ¤¸¿š¸ `‚¸ƒÄ”ú¤¸ú‚¸ƒÄ œ¸Ê©¸›¸ û¿Å” ’﬒' ׸£¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
b. Some of the employees of the Bank are also eligible for Pension which is administered by the ‘IDBI Pension
Fund Trust’.

Š¸. ƒ›¸ ¢›¸¢™Ä«’ ¥¸¸ž¸ ™¸¢¡¸÷¨¸ ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ ÷¸˜¸¸ ¬¸¿¤¸¿¢š¸÷¸ ¸¸¥¸» ¬¸½¨¸¸ ¥¸¸Š¸÷¸ ˆÅú Š¸µ¸›¸¸ œÏ÷¡¸½ˆÅ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ¬¨¸÷¸¿°¸ ¤¸úŸ¸¸¿ˆÅˆÅ
׸£¸ œÏ¸½¸½Æ’½” ¡¸»¢›¸’ ǽŢ”’ Ÿ¸½˜¸” ׸£¸ ˆÅú ¸¸÷¸ú í¾.
c. The present value of these defined benefit obligations and the related current service cost are measured
using the Projected Unit Credit Method by an independent actuary at each balance sheet date.

‚¸. ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ÷¸¸¢¥¸ˆÅ¸ ¢›¸¢™Ä«’ ¥¸¸ž¸ ¡¸¸½¸›¸¸‚¸Ê ˆÅú ¦¬˜¸¢÷¸ ‚¸¾£ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¤¸ÿˆÅ ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ Ÿ¸Ê ™©¸¸Ä¡¸ú Š¸ƒÄ £¸¢©¸¡¸¸Ê ˆÅú
¦¬˜¸¢÷¸ ˆÅ¸½ œÏ¬÷¸º÷¸ ˆÅ£÷¸ú í¾ ¸¸½ ‡‡¬¸-15(‚¸£) ˆ½Å ‚›¸º¬¸¸£ í¾.
B. The following table sets out the status of the defined benefit schemes and the amounts recognised in the Bank’s
financial statements as at March 31, 2024 which is per AS-15(R).

(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ œ¸Ê©¸›¸ ŠÏ½¡¸º’ú œ¸Ê©¸›¸ ŠÏ½¡¸º’ú
Particulars Pension Gratuity Pension Gratuity
31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023 31 Ÿ¸¸¸Ä 2023
ˆÅ¸½ / As at ˆÅ¸½ / As at ˆÅ¸½ / As at ˆÅ¸½ / As at
March 31, March 31, March 31, March 31,
2024 2024 2023 2023

ˆÅ) ¥¸¸ž¸ ™¸¢¡¸÷¨¸¸Ê Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸À

a) Change in benefit obligations:

¨¸«¸Ä ˆ½Å ‚¸£¿ž¸ Ÿ¸Ê ‚›¸ºŸ¸¸¢›¸÷¸ ¥¸¸ž¸ ¬¸¿¤¸¿š¸ú ™¸¢¡¸÷¨¸ 3,793 972 3,619 958
Projected benefit obligation, beginning of the year

¤¡¸¸¸ ¥¸¸Š¸÷¸ / Interest cost 285 73 268 70

¸¸¥¸» ¬¸½¨¸¸ ¥¸¸Š¸÷¸ / Current Service cost 44 31 45 35

¬¸úŸ¸¸ Ÿ¸Ê ¨¸¼¢Ö ˆ½Å ˆÅ¸£µ¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¨¡¸¡¸ ˆÅú Š¸ƒÄ œ¸»¨¸Ä ¬¸½¨¸¸ ¥¸¸Š¸÷¸ - - - -
(¢›¸¢í÷¸ ¥¸¸ž¸)
Past Service cost (Vested Benefit) incurred during the year
due to increase in limit

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Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ œ¸Ê©¸›¸ ŠÏ½¡¸º’ú œ¸Ê©¸›¸ ŠÏ½¡¸º’ú
Particulars Pension Gratuity Pension Gratuity
31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023 31 Ÿ¸¸¸Ä 2023
ˆÅ¸½ / As at ˆÅ¸½ / As at ˆÅ¸½ / As at ˆÅ¸½ / As at
March 31, March 31, March 31, March 31,
2024 2024 2023 2023

œÏ™î¸ ¥¸¸ž¸ / Benefits paid (226) (85) (215) (87)

¸›¸¬¸¸¿¦‰¡¸ˆÅú¡¸ ‚¨¸š¸¸£µ¸¸‚¸Ê Ÿ¸Ê íº‡ ¤¸™¥¸¸¨¸ ˆ½Å ˆÅ¸£µ¸ ¤¸úŸ¸¸¿¢ˆÅˆÅ - - - -

(¥¸¸ž¸)/ í¸¢›¸
Actuarial (gain)/ loss due to change in Demographic
assumptions

¢¨¸î¸ú¡¸ ‚¨¸š¸¸£µ¸¸‚¸Ê Ÿ¸Ê íº‡ ¤¸™¥¸¸¨¸ ˆ½Å ˆÅ¸£µ¸- ™¸¢¡¸÷¨¸ œ¸£ ¤¸úŸ¸¸¿¢ˆÅˆÅ 124 27 (95) (19)
(¥¸¸ž¸) / í¸¢›¸
Actuarial (Gains)/Losses on Obligations - Due to Change
in Financial Assumptions

‚›¸ºž¸¨¸ ˆ½Å ˆÅ¸£µ¸- ™¸¢¡¸÷¨¸ œ¸£ ¤¸úŸ¸¸¿¢ˆÅˆÅ (¥¸¸ž¸) / í¸¢›¸ 226 19 171 16
Actuarial (Gains)/Losses on Obligations - Due to
Experience

¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê ‚›¸ºŸ¸¸¢›¸÷¸ ¥¸¸ž¸/™¸¢¡¸÷¨¸ 4,246 1,037 3,793 972
Projected benefit/ obligation, end of the year

‰¸) ¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸Ê Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ À

b) Change in plan assets:

¨¸«¸Ä ˆ½Å ‚¸£¿ž¸ Ÿ¸Ê ¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ „¢¸÷¸ Ÿ¸»¥¡¸ 3,900 1,067 3,821 1,023
Fair value of plan assets, beginning of the year

¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸Ê œ¸£ ‚›¸ºŸ¸¸¢›¸÷¸ œÏ¢÷¸¥¸¸ž¸ 293 80 283 75

Expected return on plan assets

¢›¸¡¸¸½Æ÷¸¸ ˆÅ¸ ‚¿©¸™¸›¸ / Employer's contributions 26 1 54 54

œÏ™î¸ ¥¸¸ž¸/ / Benefits paid (226) (85) (215) (87)

¤¸úŸ¸¸¿¢ˆÅˆÅ ¥¸¸ž¸ / (í¸¢›¸)/ / Actuarial gain / (loss) 90 4 (43) 3

¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê ¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ „¢¸÷¸ Ÿ¸»¥¡¸ 4,083 1,067 3,900 1,067
Fair value of plan assets at the end of the year

Š¸) ™¸¢¡¸÷¨¸ ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ ‚¸¾£ ¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å „¢¸÷¸ Ÿ¸»¥¡¸
c) ˆÅ¸ ¬¸Ÿ¸¸š¸¸›¸
Reconciliation of present value of the obligation and
fair value of the plan assets

¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê ¥¸¸ž¸ ™¸¢¡¸÷¨¸ ˆÅ¸ ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ 4,246 1,037 3,793 972
Present value of benefit obligation at the end of the year

¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê ¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ „¢¸÷¸ Ÿ¸»¥¡¸ 4,083 1,067 3,900 1,067
Fair Value of Plan assets at the end of the year

dm{f©H$ [anmoQ>© Annual Report 2023-24 413

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ œ¸Ê©¸›¸ ŠÏ½¡¸º’ú œ¸Ê©¸›¸ ŠÏ½¡¸º’ú
Particulars Pension Gratuity Pension Gratuity
31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023 31 Ÿ¸¸¸Ä 2023
ˆÅ¸½ / As at ˆÅ¸½ / As at ˆÅ¸½ / As at ˆÅ¸½ / As at
March 31, March 31, March 31, March 31,
2024 2024 2023 2023

÷¸º¥¸›¸ œ¸°¸ Ÿ¸Ê Ÿ¸¸›¡¸ ¢›¸¨¸¥¸ (™½¡¸÷¸¸)/ ‚¸¦¬÷¸ (163) 30 107 95

Net (Liability)/ Asset Recognized in the Balance Sheet

‹¸) ¥¸¸ž¸ ‡¨¸¿ í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê Ÿ¸¸›¡¸ ¨¡¸¡¸

d) Expenses Recognised in Profit &Loss Account

¬¸½¨¸¸ ¥¸¸Š¸÷¸ / Service cost 44 31 45 35

¤¡¸¸¸ ¥¸¸Š¸÷¸ / Interest cost 285 73 268 70

¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸Ê œ¸£ œÏ÷¡¸¸¢©¸÷¸ œÏ¢÷¸¥¸¸ž¸ (293) (80) (283) (75)

Expected return on plan assets
¢›¸¨¸¥¸ ¤¸úŸ¸¸¿¢ˆÅˆÅ (¥¸¸ž¸)/ í¸¢›¸ / Net Actuarial (gain)/ loss 260 42 119 (7)

¬¸úŸ¸¸ Ÿ¸Ê ¨¸¼¢Ö ˆ½Å ˆÅ¸£µ¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢›¸š¸¸Ä¢£÷¸ ˆÅú Š¸ƒÄ œ¸»¨¸Ä ¬¸½¨¸¸ ¥¸¸Š¸÷¸ - - - -
(¢›¸¢í÷¸ ¥¸¸ž¸)
Past Service Cost (Vested Benefit) recognized during the
year due to increase in limit
¨¸«¸Ä ˆ½Å ¢¥¸‡ ¥¸¸ž¸ ‡¨¸¿ í¸¢›¸ ˆÅú ¨¸¸¬÷¸¢¨¸ˆÅ ¥¸¸Š¸÷¸ 296 66 148 23
Actual cost to P & L for the year

Œ) ‚¸¦¬÷¸¡¸¸Ê ˆÅú ª½µ¸ú

e) Category of Assets
¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ / Government Securities 549 - 401 -

ˆÅ¸Á£œ¸¸½£½’ ¤¸¸Áµ” / Corporate Bonds 1,034 - 1,182 -

¢¨¸©¸½«¸ ¸Ÿ¸¸ ¡¸¸½¸›¸¸ / Special Deposits Scheme - - - -

¤¸úŸ¸¸ˆÅ÷¸¸Ä ׸£¸ œÏ¤¸¿¢š¸÷¸ ¢›¸¢š¸¡¸¸¿ / Insurer Managed Funds 2,189 1,009 2,229 1,067

›¸ˆÅ™ ‚¸¾£ ›¸ˆÅ™ú ˆ½Å ¬¸Ÿ¸÷¸º¥¡¸ / Cash and Cash equivalents - - 11 -

‚›¡¸ / Others 311 58 78 -

ˆºÅ¥¸ / Total 4,083 1,067 3,900 1,067

¸) ‚Š¸¥¸½ ¨¸«¸Ä Ÿ¸Ê ‚œ¸½¢®¸÷¸ ‚¿©¸™¸›¸ 106 3 - -

f) Expected contribution in next year

Ž) ¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸Ê œÏ¡¸ºÆ÷¸ š¸¸£µ¸¸‡¿

g) Assumptions used in accounting:
¤¸’Ã’¸ ™£ / Discount rate 7.24% 7.21% 7.52% 7.49%

¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸Ê œ¸£ œÏ¢÷¸¥¸¸ž¸ ˆÅú ™£ 7.24% 7.21% 7.52% 7.49%

Rate of return on plan assets
¨¸½÷¸›¸ ¤¸õ¸½÷¸£ú ™£ / Salary escalation rate 5.75% 5.75% 5.75% 5.75%

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Schedules to the Financial Statements
¢¨¸¨¸£µ¸ œ¸Ê©¸›¸ ŠÏ½¡¸º’ú œ¸Ê©¸›¸ ŠÏ½¡¸º’ú
Particulars Pension Gratuity Pension Gratuity

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½/ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
As at As at As at As at
March 31, 2024 March 31, 2024 March 31, 2023 March 31, 2023

›¸¸¾ˆÅ£ú Ž¸½”õ›¸½ 4 ¨¸«¸Ä ‚¸¾£ „¬¸¬¸½ ˆÅŸ¸ ¬¸½¨¸¸ ˆ½Å ¢¥¸‡ 4 ¨¸«¸Ä ¬¸½ ˆÅŸ¸ ¬¸½¨¸¸ ˆ½Å ¢¥¸‡ 3.60% 4 ¨¸«¸Ä ‚¸¾£ „¬¸¬¸½ ˆÅŸ¸ ¬¸½¨¸¸ ˆ½Å ¢¥¸‡ 5 ¨¸«¸Ä ¬¸½ ˆÅŸ¸ ¬¸½¨¸¸ ˆ½Å ¢¥¸‡ 3.60%
ˆÅú ™£ 3.60% œÏ¢÷¸ ¨¸«¸Ä. 5 ¨¸«¸Ä ‚¸¾£ ÷¸˜¸¸ ÷¸÷œ¸ä¸¸÷¸ 2.49% 3.60% ÷¸˜¸¸ ÷¸÷œ¸ä¸¸÷¸ 2.49% ÷¸˜¸¸ ÷¸÷œ¸ä¸¸÷¸ 2.49%
Attrition Rate „¬¸¬¸½ ‚¢š¸ˆÅ ¬¸½¨¸¸ ˆ½Å ¢¥¸‡ 2.49% 3.60% for service less 3.60% p.a. for 4 years and 3.60% for service less
than 4 years and 2.49% below service and 2.49% than 5 years and 2.49%
œÏ¢÷¸ ¨¸«¸Ä.
thereafter thereafter thereafter
For service 4 years and
below 3.60% p.a. For
service 5 years and above
2.49% p.a

Ÿ¸¼÷¡¸º ™£ ž¸¸£÷¸ú¡¸ ‚¸æ¸¸¢¬¸÷¸ ¸ú¨¸›¸ Ÿ¸¼÷¡¸º ž¸¸£÷¸ú¡¸ ‚¸æ¸¸¢¬¸÷¸ ¸ú¨¸›¸ Ÿ¸¼÷¡¸º ž¸¸£÷¸ú¡¸ ‚¸æ¸¸¢¬¸÷¸ ¸ú¨¸›¸ Ÿ¸¼÷¡¸º ž¸¸£÷¸ú¡¸ ‚¸æ¸¸¢¬¸÷¸ ¸ú¨¸›¸ Ÿ¸¼÷¡¸º
Mortality Rate 2012-14 (©¸í£ú) 2012-14 (©¸í£ú) 2012-14 (©¸í£ú) 2012-14 (©¸í£ú)
Indian Assured Lives Indian Assured Lives Indian Assured Lives Indian Assured Lives
Mortality 2012-14 (Urban) Mortality 2012-14 (Urban) Mortality 2012-14 (Urban) Mortality 2012-14 (Urban)

¤¸úŸ¸¸¿¢ˆÅˆÅ Ÿ¸»¥¡¸¸¿ˆÅ›¸ Ÿ¸Ê ¢¨¸¸¸£ ¢ˆÅ¡¸½ ¸¸›¸½ ¨¸¸¥¸½ ž¸¸¨¸ú ¨¸½÷¸›¸ ‚¸¡¸ ¨¸¼¢Ö ˆ½Å ‚›¸ºŸ¸¸›¸¸Ê Ÿ¸Ê Ÿ¸ºÍ¸¬ûÅú¢÷¸, ¨¸¢£«“÷¸¸, œ¸™¸½››¸¢÷¸ ‚¸¾£ ‚›¡¸ œÏ¸¬¸¿¢Š¸ˆÅ ˆÅ¸£ˆÅ¸Ê ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸¸ ¸¸÷¸¸ í¾.
The estimates of future salary income increases considered in the actuarial valuation takes into account inflation, seniority, promotion and other
relevant factors.

¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ¬¸½ œÏ¸œ÷¸ œÏ¢÷¸ûÅ¥¸ ¨¸ÇÅ ˆ½Å ‚¸š¸¸£ œ¸£ ¡¸¸½¸›¸¸Š¸÷¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ¤¸¸{¸¸£ ž¸¸¨¸ œ¸£ ™©¸¸Ä¡¸¸ í¾. ‚÷¸À œÏ¢÷¸¥¸¸ž¸ ˆÅú ‚œ¸½¢®¸÷¸ ™£ ˆÅ¸½ Ž»’ ™£ ˆ½Å ¬¸Ÿ¸¸›¸ íú £‰¸¸
Š¸¡¸¸ í¾.
The Plan assets are marked to market on the basis of the yield curve derived from government securities. Hence, the expected rate of return
has been kept the same as the discount rate.

‚›¸ºž¸¨¸ ¬¸Ÿ¸¸¡¸¸½¸›¸À / Experience Adjustments:

(i) ŠÏ½¡¸º’ú ¡¸¸½¸›¸¸ / Gratuity Plan

(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023 31 Ÿ¸¸¸Ä 2022 31 Ÿ¸¸¸Ä 2021 31 Ÿ¸¸¸Ä 2020
Particulars March 31, March 31, March 31, March 31, March 31,
2024 2023 2022 2021 2020

œ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸ ™¸¢¡¸÷¨¸ 1,037 972 958 938 932

Defined benefit obligation

¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸¿ / Plan assets 1,067 1,067 1,023 1,003 880

‚¢š¸©¸½«¸/(ˆÅŸ¸ú) / Surplus/(deficit) 30 95 64 66 (52)

¡¸¸½¸›¸¸ ™½¡¸÷¸¸‚¸Ê œ¸£ ‚›¸ºž¸¨¸ ¬¸Ÿ¸¸¡¸¸½¸›¸ [¥¸¸ž¸/(í¸¢›¸)] (19) (16) (22) (13) (56)
Experience adjustments
On plan liabilities [Gain / (Loss)]

¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸Ê œ¸£ ‚›¸ºž¸¨¸ ¬¸Ÿ¸¸¡¸¸½¸›¸ [¥¸¸ž¸/(í¸¢›¸)] 4 3 13 (0.06) 5

Experience adjustments on plan assets
[Gain / (Loss)]

dm{f©H$ [anmoQ>© Annual Report 2023-24 415

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(ii) œ¸Ê©¸›¸ ¡¸¸½¸›¸¸ / Pension Plan
(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023 31 Ÿ¸¸¸Ä 2022 31 Ÿ¸¸¸Ä 2021 31 Ÿ¸¸¸Ä 2020
Particulars March 31, March 31, March 31, March 31, March 31,
2024 2023 2022 2021 2020
œ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸ ™¸¢¡¸÷¨¸ 4,246 3,793 3,619 3,190 2,993
Defined benefit obligation
¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸¿ / Plan assets 4,083 3,900 3,821 3,092 2,698

‚¢š¸©¸½«¸/(ˆÅŸ¸ú) / Surplus/(deficit) (163) 107 201 (98) (295)

¡¸¸½¸›¸¸ ™½¡¸÷¸¸‚¸Ê œ¸£ ‚›¸ºž¸¨¸ ¬¸Ÿ¸¸¡¸¸½¸›¸ [¥¸¸ž¸/(í¸¢›¸)] (227) 171 (245) 15 (351)
Experience adjustments
On plan liabilities [Gain / (Loss)]
¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸Ê œ¸£ ‚›¸ºž¸¨¸ ¬¸Ÿ¸¸¡¸¸½¸›¸ [¥¸¸ž¸/(í¸¢›¸)] 90 (43) 154 41 14
Experience adjustments on plan assets
[Gain / (Loss)]

‚›¡¸ ™ú‹¸¸Ä¨¸¢š¸ ¥¸¸ž¸

Other long term benefits

1. Žº’Ã’ú ›¸ˆÅ™úˆÅ£µ¸ / ²ÅŠµ¸ Žº’Ã’ú / Leave Encashment/Sick Leave

(` ˆÅ£¸½”õ) / (` Crore))
¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
Particulars ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Year ended Year ended
March 31, 2024 March 31, 2023

ˆºÅ¥¸ ¤¸úŸ¸¸¿¢ˆÅ÷¸ ™½¡¸÷¸¸ / Total Actuarial Liability 913 743

š¸¸£µ¸¸‡ / Assumptions
¤¸’Ã’¸ ™£ / Discount Rate 7.21% 7.49%

¨¸½÷¸›¸ ¤¸õ¸½÷¸£ú ™£ / Salary Escalation Rate 5.75% 5.75%

2. ¬¨¸¾¦ŽˆÅ ¬¨¸¸¬˜¡¸ ¡¸¸½¸›¸¸ / Voluntary Health Scheme

(` ˆÅ£¸½”õ) / (` Crore))
¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
Particulars ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Year ended Year ended
March 31, 2024 March 31, 2023
ˆºÅ¥¸ ¤¸úŸ¸¸¿¢ˆÅ÷¸ ™½¡¸÷¸¸ / Total Actuarial Liability 61 60

š¸¸£µ¸¸‡ / Assumptions
¤¸’Ã’¸ ™£ / Discount Rate 7.24% 7.52%

3. ¤¸ÿˆÅ ˆ½Å ˆÅŸ¸Ä¸¸£ú ‚©¸Æ÷¸÷¸¸ ¬¸í¸¡¸÷¸¸ ˆ½Å ¢¥¸‡ œ¸¸°¸ íÿ ¢¸¬¸½ ‚©¸Æ÷¸÷¸¸ ˆÅú ‹¸’›¸¸ ‹¸¢’÷¸ í¸½›¸½ œ¸£ ¤¸ÿˆÅ ׸£¸ ¨¸í›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Employees of the Bank are eligible for Disability Assistance which is borne by the Bank as and when the disability events
occur.

4. ž¸¢¨¸«¡¸ ¢›¸¢š¸ / Provident Fund

‡‡¬¸ 15 ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ œ¸£ Ÿ¸¸Š¸Ä™©¸Ä›¸ ›¸¸½’ Ÿ¸Ê ˆÅí¸ Š¸¡¸¸ í¾ ¢ˆÅ ¢›¸¡¸¸½Æ÷¸¸ ׸£¸ ¬˜¸¸¢œ¸÷¸ ž¸¢¨¸«¡¸ ¢›¸¢š¸, ¸í¸Â ¤¡¸¸¸ ˆÅú Š¸¸£¿’ú í¾, ˆÅ¸½ œ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸
¡¸¸½¸›¸¸‚¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê Ÿ¸¸›¸¸ ¸¸›¸¸ ¸¸¢í‡ ‚¸¾£ ™½¡¸÷¸¸ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢ˆÅ¡¸¸ ¸¸›¸¸ ¸¸¢í‡. ž¸¸£÷¸ú¡¸ ‡Æ¸º‚£ú¸ ¬¸¿¬˜¸¸›¸ (‚¸ƒÄ‡‚¸ƒÄ) ›¸½ Ž»’ œÏ¸œ÷¸ ž¸¢¨¸«¡¸

416 Friendship That

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Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
¢›¸¢š¸¡¸¸Ê œ¸£ Š¸¸£¿’úˆ¼Å÷¸ ¤¡¸¸¸ ™£ ˆ½Å Ÿ¸»¥¡¸¸¿ˆÅ›¸ œ¸£ ‡ˆÅ Ÿ¸¸Š¸Ä™©¸Ä›¸ ›¸¸½’ ¸¸£ú ¢ˆÅ¡¸¸ í¾. ‡Æ¸º‚£ú ›¸½ ÷¸™›¸º¬¸¸£ ƒ¬¸ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢ˆÅ¡¸¸ í¾ ‚¸¾£ ¤¸ÿˆÅ ›¸½
Š¸¸£¿’úˆ¼Å÷¸ ¤¡¸¸¸ ¥¸¸ž¸ ™¸¢¡¸÷¨¸ ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ ˆ½Å ¢¥¸‡ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ©¸»›¡¸ £¸¢©¸ ˆÅ¸ œÏ¸¨¸š¸¸›¸ £‰¸¸ í¾.
The guidance note on AS15, Employee Benefits, states that Employer established Provident Funds, where interest is
guaranteed are to be considered as defined benefit plans and the liability has to be valued. The institute of Actuaries of
India (IAI) has issued a guidance note on valuation of interest rate guaranteed on exempt provident funds. The actuary
has accordingly valued the same and the Bank held provision of NIL as on March 31, 2024 towards the present value of
the guaranteed interest benefit obligation.

ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ ˆ½Å ¢¥¸‡ ‚¢÷¸¢£Æ÷¸ œÏ¸¨¸š¸¸›¸ / Additional Provision towards Employee Benefit
›¸¨¸¿¤¸£ 2022-‚Æ÷¸»¤¸£ 2027 ÷¸ˆÅ ˆÅú ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ œÏ¬÷¸¸¢¨¸÷¸ ¬¸¿©¸¸½¢š¸÷¸ ¨¸½÷¸›¸Ÿ¸¸›¸ ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆ½Å ˆÅ¸£µ¸ „÷œ¸››¸ í¸½›¸½ ¨¸¸¥¸ú ‚¢÷¸¢£Æ÷¸ ™½¡¸÷¸¸ ˆÅ¸½
œ¸»£¸ ˆÅ£›¸½ í½÷¸º ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ ˆ½Å ¢¥¸‡ ¢›¸Ÿ›¸¸›¸º¬¸¸£ ‚¢÷¸¢£Æ÷¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾À
An additional provision towards employee benefits has been made to meet the additional liability which may arise in effect
of implementation of proposed revised pay scale for the period Nov 2022- October 2027 as under:

(` ˆÅ£¸½”õ) / (` Crore)

¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

Particulars ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Year ended Year ended
March 31, 2024 March 31, 2023

œ¸Ê©¸›¸ / Pension 22 190

ŠÏ½¡¸º’ú / Gratuity 3 48

Žº’Ã’ú / Leaves 148 112

ˆºÅ¥¸ / Total 173 350

„œ¸£¸½Æ÷¸ ÷¸¸¢¥¸ˆÅ¸ Ÿ¸Ê ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ ˆÅú œ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸ ¡¸¸½¸›¸¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢™‡ Š¸‡ ¢¨¸¨¸£µ¸¸Ê œ¸£ „œ¸£¸½Æ÷¸ œÏ¸¨¸š¸¸›¸ ˆÅ¸ œÏž¸¸¨¸ ›¸íì í¾.
Details given under Defined benefit scheme of Employee benefits in table above does not have effect of the above
provision.

4. ‰¸¿” ¢£œ¸¸½¢’ôŠ¸ (‡‡¬¸-17) / Segment Reporting (AS-17)

¤¸ÿˆÅ Ÿ¸º‰¡¸ ³Åœ¸ ¬¸½ ÷¸ú›¸ ˆÅ¸£¸½¤¸¸£ú ‰¸¿”¸Ê Ÿ¸Ê ¢›¸Ÿ›¸¸›¸º¬¸¸£ œ¸¢£¸¸¥¸›¸ ˆÅ£÷¸¸ í¾ À
The Bank primarily operates in three business segments as under:

i) ’ｏ¸£ú ’ｏ¸£ú œ¸¢£¸¸¥¸›¸¸Ê Ÿ¸Ê ¬¸ž¸ú ¢›¸¨¸½©¸, Ÿ¸ºÍ¸ ¤¸¸{¸¸£ œ¸¢£¸¸¥¸›¸, ¨¡¸º÷œ¸››¸¸Ê ˆÅ¸ ¬¸¸¾™¸, œÏ¸½œÏ¸ƒ’£ú ‰¸¸÷¸¸Ê Ÿ¸Ê ‚¸¾£ ŠÏ¸íˆÅ¸Ê ˆ½Å
Treasury ¢¥¸‡ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ œ¸¢£¸¸¥¸›¸ ©¸¸¢Ÿ¸¥¸ íÿ.
Treasury operations include all investments, money market operations, derivative trading, and
foreign exchange operations on the proprietary account and for customers.

ii) ‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ Ÿ¸Ê Ÿ¸¸½’½ ÷¸¸¾£ œ¸£ †µ¸ ‚¸¾£ ¸Ÿ¸¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸ ©¸¸¢Ÿ¸¥¸ íÿ ¸¸½ Ÿ¸º‰¡¸ ³Åœ¸ ¬¸½ œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ œÏ¸œ÷¸ ®¸½°¸ ˆÅ¸½
Retail Banking „š¸¸£ ¬¸¢í÷¸ ¨¡¸¢Æ÷¸¡¸¸Ê ‚¸¾£ ¥¸‹¸º ˆÅ¸£¸½¤¸¸£ „›Ÿ¸º‰¸ íÿ. ‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ Ÿ¸Ê ž¸ºŠ¸÷¸¸›¸ ‡¨¸¿ ¨¸¾ˆÅ¦¥œ¸ˆÅ ¸¾›¸¥¸ ¸¾¬¸½ ‡’ú‡Ÿ¸,
œ¸ú‚¸½‡¬¸ Ÿ¸©¸ú›¸Ê, ƒ¿’£›¸½’ ¤¸ÿ¢ˆ¿ÅŠ¸, Ÿ¸¸½¤¸¸ƒ¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸, ǽŢ”’ ˆÅ¸”Ä, ”½¢¤¸’ ˆÅ¸”Ä, ’ﾨ¸¥¸/ˆÅ£Ê¬¸ú ˆÅ¸”Ä ‚¸¾£ ’︿¸½Æ©¸›¸
¤¸ÿ¢ˆ¿ÅŠ¸ ¬¸½¨¸¸‡¿ ž¸ú ©¸¸¢Ÿ¸¥¸ íÿ.
Retail Banking broadly includes credit and deposit activities that are primarily oriented
towards individuals & small business including Priority sector lending. Retail Banking also
encompasses payment and alternate channels like ATMs, POS machines, internet Banking,
mobile Banking, credit cards, debit cards, travel/currency cards and transaction Banking
services

dm{f©H$ [anmoQ>© Annual Report 2023-24 417

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
iii) ˆÅ¸Á£œ¸¸½£½’/ ˜¸¸½ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ ƒ¬¸Ÿ¸Ê ‰¸º™£¸ ˆ½Å ‚¥¸¸¨¸¸ ¸Ÿ¸¸ ‡¨¸¿ †µ¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê ˆÅ¸½ ˆÅ¨¸£ ˆÅ£›¸½ ¨¸¸¥¸½ ˆÅ¸Á£œ¸¸½£½’ ¬¸¿¤¸¿š¸ ©¸¸¢Ÿ¸¥¸ íÿ. ƒ¬¸Ÿ¸Ê ˆÅ¸Á£œ¸¸½£½’
Corporate / ¬¸¥¸¸íˆÅ¸£ú / ¢¬¸¿¢”ˆ½Å©¸›¸, œ¸¢£¡¸¸½¸›¸¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ž¸ú ©¸¸¢Ÿ¸¥¸ íÿ. ˆÅ¸Á£œ¸¸½£½’/ ˜¸¸½ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ ‰¸¿” Ÿ¸Ê œ¸¢£µ¸¸Ÿ¸, £¸¸¬¨¸
Wholesale Banking ‚¸¾£ ‚¿÷¸£¸Ä«’ïú¡¸ œ¸¢£¸¸¥¸›¸¸Ê ¬¸¿¤¸¿š¸ú ¢›¸¡¸¸½¢¸÷¸ œ¸»¿¸ú ©¸¸¢Ÿ¸¥¸ ˆÅú ¸¸÷¸ú í¾.
Includes corporate relationship covering deposit & credit activities other than retail. It also
covers corporate advisory / syndication, project appraisal. Results, revenue and capital
employed of international operations are included in Corporate/Wholesale Banking segment.

iv) ‚¢¨¸¢›¸š¸¸¢›¸÷¸ ƒ¬¸Ÿ¸Ê œÏ¸¨¸š¸¸›¸ ˆÅ¸½ ‹¸’¸ˆÅ£ ¢›¸¨¸¥¸ ‚¢ŠÏŸ¸ œÏ™î¸ ˆÅ£, ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¾£ ¬¸¿¬˜¸¸ ¬÷¸£ œ¸£ Š¸µ¸›¸¸ ¢ˆÅ‡ Š¸‡ œÏ¸¨¸š¸¸›¸¸Ê
Unallocated ¸¾¬¸ú Ÿ¸™Ê ©¸¸¢Ÿ¸¥¸ íÿ.
Includes items such as tax paid in advance net of provision, deferred tax and provisions to
the extent reckoned at the entity level.

(` ˆÅ£¸½”õ) / (` Crore)
ÇÅ. ¬¸¿. ¢¨¸¨¸£µ¸ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Sr. No. Particulars Year Ended

31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023

March 31, 2024 March 31, 2023

ˆÅ./a. ‰¸¿” £¸¸¬¨¸ / Segment Revenue

ˆÅ¸Á£œ¸¸½£½’ / ˜¸¸½ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ / Corporate/Wholesale banking 8,808 6,210

‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ / Retail banking 30,104 25,092

’ｏ¸£ú / Treasury 13,362 9,589

‚›¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ œ¸¢£¸¸¥¸›¸ / Other banking operations 213 172

‚¢¨¸¢›¸š¸¸¢›¸÷¸ / Unallocated 87 300

ˆºÅ¥¸ / TOTAL 52,574 41,362

‹¸’¸‡¿ À ‚¿÷¸£ ‰¸¿” £¸¸¬¨¸ / Less : Inter-segment revenue 22,537 16,421

¢›¸¨¸¥¸ ‰¸¿” £¸¸¬¨¸ / Net Segment Revenue 30,037 24,942

‰ö¸. ‰¸¿” œ¸¢£µ¸¸Ÿ¸- ˆÅ£ œ¸»¨¸Ä ¥¸¸ž¸ / (í¸¢›¸)

b. Segment Results -Profit/(loss) before tax
ˆÅ¸Á£œ¸¸½£½’ / ˜¸¸½ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ / Corporate/Wholesale banking 3,519 3,432

‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ / Retail banking 2,258 979

’ｏ¸£ú / Treasury 2,179 405

‚›¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ œ¸¢£¸¸¥¸›¸ / Other banking operations 152 122

‚¢¨¸¢›¸š¸¸¢›¸÷¸ / Unallocated 87 300

ˆÅ£ œ¸»¨¸Ä ¥¸¸ž¸ / (í¸¢›¸) / Profit/(Loss) before tax 8,195 5,238

‚¸¡¸ ˆÅ£ / Income taxes 2,561 1,593

¢›¸¨¸¥¸ ¥¸¸ž¸ / (í¸¢›¸) / Net profit/(Loss) 5,634 3,645

Š¸. / c. ‰¸¿” ‚¸¦¬÷¸¡¸¸¿ / Segment assets

ˆÅ¸Á£œ¸¸½£½’ / ˜¸¸½ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ / Corporate/Wholesale banking 50,506 46,165

‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ / Retail banking 1,41,951 1,29,710

’ｏ¸£ú / Treasury 1,59,116 1,40,560

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Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
ÇÅ. ¬¸¿. ¢¨¸¨¸£µ¸ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Sr. No. Particulars Year Ended

31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023

March 31, 2024 March 31, 2023

‚›¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ œ¸¢£¸¸¥¸›¸ / Other banking operations 4 18

‚¢¨¸¢›¸š¸¸¢›¸÷¸ ‚¸¦¬÷¸¡¸¸¿ / Unallocated assets 11,613 14,049

ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸¿ / Total assets 3,63,190 3,30,502

‹¸ / d. ‰¸¿” ™½¡¸÷¸¸‡¿ / Segment liabilities

ˆÅ¸Á£œ¸¸½£½’ / ˜¸¸½ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ / Corporate/Wholesale banking 30,917 19,378

‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ / Retail banking 2,61,700 2,50,402

’ｏ¸£ú / Treasury 20,692 15,403

‚›¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ œ¸¢£¸¸¥¸›¸ / Other banking operations - 1

‚¢¨¸¢›¸š¸¸¢›¸÷¸ ‚¸¦¬÷¸¡¸¸¿ / Unallocated liabilities - -

ˆºÅ¥¸ ™½¡¸÷¸¸‡¿ / Total liabilities 3,13,309 2,85,184

Œ œ¸»¿¸ú ¢›¸¡¸¸½¢¸÷¸ (‰¸¿” ‚¸¦¬÷¸¡¸¸¿ - ‰¸¿” ™½¡¸÷¸¸‡¿)

e. Capital employed (Segment assets-Segment liabilities)
ˆÅ¸Á£œ¸¸½£½’ / ˜¸¸½ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ / Corporate/Wholesale banking 19,589 26,787

‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ / Retail banking (1,19,749) (1,20,692)

’ｏ¸£ú / Treasury 1,38,424 1,25,157

‚›¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ œ¸¢£¸¸¥¸›¸ / Other banking operations 4 17

‚¢¨¸¢›¸š¸¸¢›¸÷¸ / Unallocated 11,613 14,049

ˆºÅ¥¸ / Total 49,881 45,318

• ¢£¸¨¸Ä ¤¸ÿˆÅ ˆ½Å Ÿ¸¸¾¸»™¸ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ‚¸¾£ ¥¸¸Š¸» ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ (‡‡¬¸) - 17, '‰¸¿” ¢£œ¸¸½¢’ôŠ¸' ˆ½Å ‚›¸ºœ¸¸¥¸›¸ Ÿ¸Ê, ¢£œ¸¸½’Ä ˆÅ£›¸½ ¡¸¸½Š¡¸ ‰¸¿”¸Ê ˆÅ¸½
’ｏ¸£ú, ˆÅ¸Á£œ¸¸½£½’/ ˜¸¸½ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸, ‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ‚¸¾£ ‚›¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ œ¸¢£¸¸¥¸›¸¸½¿ ˆ½Å ³Åœ¸ Ÿ¸Ê ‚¢ž¸¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¬¸¿œ¸»µ¸Ä ¢›¸¨¸½©¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ‚¸¾£
¬¸¿¤¸¿¢š¸÷¸ ‚¸¡¸/ ¨¡¸¡¸ ˆÅ¸½ ’ｏ¸£ú ‰¸¿” ˆ½Å ‚¿÷¸Š¸Ä÷¸ œ¸º›¸À ¬¸Ÿ¸»íúˆ¼Å÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
As per extant RBI guidelines and in compliance with the applicable Accounting Standard (AS) – 17, ‘Segment Reporting’,
reportable segments are identified as Treasury, Corporate/Wholesale Banking, Retail Banking and other Banking
operations. Entire investments portfolio and corresponding income/expenses have been regrouped under the Treasury
Segment.

• ¡¸¸½¸›¸¸‚¸½¿ ‚¸¾£ ¬¸½¨¸¸‚¸Ê ˆ½Å ¬¨¸³Åœ¸ ‚¸¾£ ¸¸½¢‰¸Ÿ¸ œÏ¸½ûöŸƒ¥¸, ¥¸¢®¸÷¸ ŠÏ¸íˆÅ œÏ¸½ûöŸƒ¥¸, ¬¸¿¬˜¸¸ ¬¸¿£¸›¸¸ ‚¸¾£ ¤¸ÿˆÅ ˆÅú ‚¸¿÷¸¢£ˆÅ ¢£œ¸¸½¢’ôŠ¸ œÏµ¸¸¥¸ú œ¸£ ¢¨¸¸¸£
ˆÅ£›¸½ ˆ½Å ¤¸¸™ ƒ›¸ ‰¸¿”¸Ê ˆÅú œ¸í¸¸›¸ „Æ÷¸ ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ (‡‡¬¸) ˆ½Å ‚›¸º³Åœ¸ ˆÅú Š¸ƒÄ í¾.
These segments have been identified in line with the said Accounting Standard (AS) after considering the nature and
risk profile of the products and services, the target customer profile, the organization structure and the internal reporting
system of the Bank.

• `‰¸¿” œ¸¢£µ¸¸Ÿ¸' ¢›¸š¸¸Ä¢£÷¸ ˆÅ£›¸½ Ÿ¸Ê, ¤¸ÿˆÅ ׸£¸ ‚œ¸›¸¸ƒÄ Š¸ƒÄ ¢›¸¢š¸ ‚¿÷¸£µ¸ Ÿ¸»¥¡¸ ÷¸¿°¸ ˆÅ¸ ƒ¬÷¸½Ÿ¸¸¥¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
In determining ‘Segment Results’, the funds transfer price mechanism adopted by the Bank has been used.

• œ¸¢£µ¸¸Ÿ¸, £¸¸¬¨¸ ‚¸¾£ ‚¿÷¸£¸Ä«’ïú¡¸ œ¸¢£¸¸¥¸›¸¸Ê Ÿ¸Ê ¢›¸¡¸¸½¢¸÷¸ œ¸»¿¸ú ˆÅ¸½ ˆÅ¸Á£œ¸¸½£½’/ ˜¸¸½ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ ‰¸¿” Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Results, Revenue and Capital Employed of International operations are included in Corporate/Wholesale Banking
segment.

• ¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ ‰¸¿”¸Ê ˆÅú œ¸í¸¸›¸ ‚¸¾£ ¢£œ¸¸½¢’ôŠ¸ ¥¸¢®¸÷¸ ŠÏ¸íˆÅ œÏ¸½ûöŸƒ¥¸, ¡¸¸½¸›¸¸‚¸Ê ‡¨¸¿ ¬¸½¨¸¸‚¸Ê ˆÅú œÏˆ¼Å¢÷¸, ¢¨¸¢ž¸››¸ ¸¸½¢‰¸Ÿ¸¸Ê ‚¸¾£ œÏ¢÷¸¥¸¸ž¸, ¬¸¿Š¸“›¸
¬¸¿£¸›¸¸, ‚¸¿÷¸¢£ˆÅ ¨¡¸¸œ¸¸£ ¢£œ¸¸½¢’ôŠ¸ œÏµ¸¸¥¸ú ‚¸¾£ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ¢›¸š¸¸Ä¢£÷¸ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸÷¸½ íº‡ ˆÅú Š¸ƒÄ í¾. 7 ‚œÏ¾¥¸ 2022 ˆÅ¸½ ¢£{¸¨¸Ä

dm{f©H$ [anmoQ>© Annual Report 2023-24 419

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
¤¸ÿˆÅ ›¸½ ‚œ¸›¸½ œ¸¢£œ¸°¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¢”¢¸’¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ƒˆÅ¸ƒ¡¸¸Ê (”ú¤¸ú¡¸») ˆÅú ¬˜¸¸œ¸›¸¸ œ¸£ ¢£’½¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ‰¸¿” ˆ½Å „œ¸-‰¸¿” ˆ½Å ³Åœ¸ Ÿ¸Ê ¢”¢¸’¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ‰¸¿”
ˆÅú ¢£œ¸¸½¢’ôŠ¸ ¢›¸š¸¸Ä¢£÷¸ ˆÅú í¾. ¤¸ÿˆÅ ˆ½Å œÏ¬÷¸¸¢¨¸÷¸ ”ú¤¸ú¡¸» ›¸½ ¬¸¿¸¸¥¸›¸ ©¸º³ ›¸íú¿ ¢ˆÅ¡¸¸ í¾ ‚¸¾£ ž¸¸£÷¸ú¡¸ ¤¸ÿˆÅ ¬¸¿‹¸ (‚¸ƒÄ¤¸ú‡) (¢¸¬¸Ÿ¸Ê ¤¸ÿˆÅ¸Ê ‚¸¾£ ¢£{¸¨¸Ä ¤¸ÿˆÅ
ˆ½Å œÏ¢÷¸¢›¸¢š¸ ©¸¸¢Ÿ¸¥¸ íÿ) ׸£¸ Š¸¢“÷¸ ”ú¤¸ú¡¸» ¨¸¢ˆôÅŠ¸ ŠÏºœ¸ ˆÅú ¸¸¸Ä‚¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê, ‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ‰¸¿” ˆ½Å ‡ˆÅ ‚¥¸Š¸ „œ¸-‰¸¿” ˆ½Å ³Åœ¸ Ÿ¸Ê ¢”¢¸’¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸
ˆÅú ¢£œ¸¸½¢’ôŠ¸ ˆÅ¸½ ”ú¤¸ú¡¸» ¨¸¢ˆôÅŠ¸ ŠÏºœ¸ ˆ½Å ¢›¸µ¸Ä¡¸ ˆ½Å ‚¸š¸¸£ œ¸£ ¤¸ÿˆÅ ׸£¸ ¥¸¸Š¸» ¢ˆÅ¡¸¸ ¸¸‡Š¸¸.
Business Segments have been identified and reported taking into account the target customer profile, the nature of
products and services, the differing risks and returns, the organisation structure, the internal business reporting system
and the guidelines prescribed by the RBI. Vide its circular dated April 7, 2022 on establishment of Digital Banking Units
(DBUs), the RBI has prescribed reporting of Digital Banking Segment as a sub-segment of Retail Banking Segment. The
proposed DBUs of the Bank have not commenced operations and having regard to the discussions of the DBU Working
Group formed by Indian Banks' Association (IBA) (which included representatives of banks and RBI), reporting of Digital
Banking as a separate sub-segment of Retail Banking Segment will be implemented by the Bank based on the decision
of the DBU Working Group.
• 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ›¸½ ›¸ƒÄ œÏ¢÷¸ž¸»¢÷¸ £¬¸ú™¸Ê (Ÿ¸¸½¸›¸ ˆÅ¸½ Ž¸½”õˆÅ£) ˆ½Å ‚¸Ä›¸ ˆ½Å œÏ¢÷¸ ` 265 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä
` 1426 ˆÅ£¸½”õ) ˆÅ¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ í¾.
During year ended March 31, 2024, bank has made provision of ` 265 crore (Previous Year: ` 1426 crore) against
acquisition of new security receipts (Net of redemption).
• ¤¸ÿˆÅ ›¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‚¸£‡ûÅ 1.0, ‚¸£‡ûÅ 2.0 ‚¸¾£ ‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ ‚¸½’ú‚¸£ ˆ½Å ÷¸í÷¸ ` 2315 ˆÅ£¸½”õ ˆ½Å ˆºÅ¥¸ Ÿ¸¸›¸ˆÅ ‰¸º™£¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ˆÅú
œ¸º›¸¬¸ô£¸›¸¸ œ¸£ 80% ˆ½Å ¢¥¸‡ ` 1843 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸ÄÀ ` 1836 ˆÅ£¸½”õ) ˆÅ¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ í¾.
The bank has made provision of ` 1843 crore (Previous Year: ` 1836 crore) at 80% on the total standard retail portfolio
restructured under RF 1.0, RF 2.0 and MSME OTR of ` 2315 crore as on March 31, 2024.
• ‰¸¿” £¸¸¬¨¸ Ÿ¸Ê ¤¸ÿˆÅ ׸£¸ ‚›¸º¬¸£µ¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ¢›¸¢š¸ ‚¿÷¸£µ¸ ˆÅúŸ¸÷¸ ¢›¸š¸¸Ä£µ¸ œÏµ¸¸¥¸ú ˆ½Å ‚›¸º¬¸¸£ ¬¸¿Š¸¢µ¸÷¸ ‚¿÷¸£-‰¸¿” £¸¸¬¨¸ ©¸¸¢Ÿ¸¥¸ í¾.
The segment revenue includes inter-segment revenue computed as per Fund Transfer Pricing system followed by the
Bank.
• ¤¸ÿˆÅ Ÿ¸º‰¡¸÷¸À ž¸¸£÷¸ Ÿ¸Ê œ¸¢£¸¸¥¸›¸ ˆÅ£÷¸¸ í¾ ‚÷¸À ¤¸ÿˆÅ ›¸½ ¡¸í Ÿ¸¸›¸¸ í¾ ¢ˆÅ ƒ¬¸ˆ½Å œ¸¢£¸¸¥¸›¸ Ÿ¸º‰¡¸ ³Åœ¸ ¬¸½ ‹¸£½¥¸» ‰¸¿” Ÿ¸Ê íÿ ‚÷¸À¢£œ¸¸½’Ä ˆÅ£›¸½ ¡¸¸½Š¡¸ ˆÅ¸½ƒÄ
ž¸¸¾Š¸¸½¢¥¸ˆÅ ‰¸¿” ›¸íú¿ í¾.
The Bank primarily operates in India, hence the Bank has considered that its operations are predominantly in the domestic
segment and as such there are no reporatble geographical segments.

• 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸, ¤¸ÿˆÅ ›¸½ ‚¸ƒÄ‚¸£‡¬¸ú Ÿ¸¸›¸™¿”¸Ê ¬¸½ …œ¸£ ` 1332 ˆÅ£¸½”õ ˆÅ¸ ‚¢÷¸¢£Æ÷¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ í¾.
During the year ended March 31, 2024, bank has made additional provision of `1332 crore over & above the IRAC norms.

5. ¬¸¿¤¸Ö œ¸®¸ˆÅ¸£ ˆÅ¸ œÏˆÅ’›¸ (‡‡¬¸-18) / RELATED PARTY DISCLOSURES (AS-18)

‚) ‡‡¬¸-18 ˆ½Å ‚›¸º¬¸¸£ ¬¸¿¤¸Ö œ¸®¸ˆÅ¸£ ˆÅú ¬¸»¸ú
A. List of related party as per AS-18

I. œÏ¨¸÷¸ÄˆÅ À / Promoter:
• ž¸¸£÷¸ú¡¸ ¸ú¨¸›¸ ¤¸úŸ¸¸ ¢›¸Š¸Ÿ¸ (‡¥¸‚¸ƒÄ¬¸ú) / Life Insurance Corporation of India (LIC)
II. ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‡¿ À / Subsidiaries:
• ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄΓ¸ ‡¿” ¢¬¸Æ¡¸¸½¢£’ú¸ ¢¥¸¢Ÿ¸’½” / IDBI Capital Markets & Securities Ltd.
• ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ƒ¿’½ˆÅ ¢¥¸¢Ÿ¸’½” / IDBI Intech Ltd.
• ‚¸ƒ”ú¤¸ú‚¸ƒÄ Ÿ¡¸»¸º‚¥¸ û¿Å” ’﬒ú ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” / IDBI Mutual Fund Trustee Company Ltd.
• ‚¸ƒ”ú¤¸ú‚¸ƒÄ ‚¬¸½’ Ÿ¸¾›¸½¸Ÿ¸½¿’ ¢¥¸¢Ÿ¸’½” / IDBI Asset Management Ltd.
• ‚¸ƒ”ú¤¸ú‚¸ƒÄ ’﬒ú¢©¸œ¸ ¬¸¢¨¸Ä¬¸½¬¸ ¢¥¸¢Ÿ¸’½” / IDBI Trusteeship Services Ltd.
III. ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‡¿ / Associates:
• ¤¸¸¡¸¸½’½ˆÅ ˆÅ¸Á›¬¸¸½¢©¸Ä¡¸Ÿ¸ ƒ¿¢”¡¸¸ ¢¥¸¢Ÿ¸’½” / Biotech Consortium India Ltd.
• ›¸½©¸›¸¥¸ ¢¬¸Æ¡¸º¢£’ú¸ ¢”œ¸¸½¢¸’£ú ¢¥¸¢Ÿ¸’½” / National Securities Depository Ltd
• ›¸¸Á˜¸Ä ƒÄ¬’›¸Ä ”½¨¸¥¸œ¸Ÿ¸Ê’ ûŸƒ›¸Ê¬¸ ˆÅ¸Áœ¸¸½Ä£½©¸›¸ ¢¥¸¢Ÿ¸’½” / North Eastern Development Finance Corporation Ltd
• œ¸¸Ê”ú¸½£ú ƒ¿”¦¬’¥¸ œÏŸ¸¸½©¸›¸ ”½¨¸¥¸œ¸Ÿ¸Ê’ ‡¿” ƒ›¸¨¸½¬’Ÿ¸Ê’ ˆÅ¸Áœ¸¸½Ä£½©¸›¸ ¢¥¸¢Ÿ¸’½” (œ¸ú‚¸ƒÄœ¸ú”ú‚¸ƒÄ¬¸ú‡¥¸)
Pondicherry Industrial Promotion Development and Investment Corporation Ltd (PIPDICL)

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IV. ¤¸ÿˆÅ ˆ½Å Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ / Key management personnel of the Bank:
• ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä, œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ ¬¸úƒÄ‚¸½ / Shri Rakesh Sharma, MD & CEO
• ªú ¬¸¾Ÿ¡¸º‚¥¸ ¸¸½¬¸½ûÅ ¸½¤¸£¸¸, „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ (5 ‚œÏ¾¥¸ 2023 ÷¸ˆÅ)
Shri Samuel Joseph Jebaraj, DMD (upto April 5, 2023)
• ªú ¬¸º£½©¸ ¢ˆÅ©¸›¸¸¿™ ‰¸’›¸í¸£, „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ (14 ¸›¸¨¸£ú 2024 ÷¸ˆÅ)
Shri Suresh Kishanchand Khatanhar, DMD (upto January 14, 2024)
• ªú ¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾, „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ (12 ¸»›¸ 2023 ¬¸½)
Shri Jayakumar S. Pillai, DMD (From June 12, 2023)
• ªúŸ¸÷¸ú ¢¬Ÿ¸÷¸¸ í£ú©¸ ˆºÅ¤¸½£, ¬¸ú‡ûÅ‚¸½
Smt. Smita Harish Kuber, CFO
• ªúŸ¸÷¸ú ¡¸¸½¢÷¸ ›¸¸¡¸£, ˆ¿Åœ¸›¸ú ¬¸¢¸¨¸ / Smt. Jyothi Nair, Company Secretary
ˆ½Å‡Ÿ¸œ¸ú ˆ½Å ¢£©÷¸½™¸£ ‚¸¾£ „›¸ˆÅú ¢í÷¸¤¸Ö ¬¸¿¬˜¸¸‡¿ / Relative of KMP & their interested entities:
i. ªúŸ¸÷¸ú ‚¢›¸÷¸¸ ©¸Ÿ¸¸Ä, ªú í«¸Ä¨¸š¸Ä›¸ ©¸Ÿ¸¸Ä, ªú œ¸¸˜¸Ä ©¸Ÿ¸¸Ä, ªúŸ¸÷¸ú ˆÅ²›¡¸¸ œ¸º¥¸ú Š¸Ó¸, ªú £¸¸½©¸ ˆºÅŸ¸¸£ ¥¸¨¸, ªúŸ¸÷¸ú ‚¸©¸¸ Š¸¸½¬¨¸¸Ÿ¸ú, ªúŸ¸÷¸ú
¢›¸¢š¸ ©¸Ÿ¸¸Ä, ªúŸ¸÷¸ú ©¸¾¥¸¸¸ ˆÅ¸¾©¸¥¸, ”¸Á. Ÿ¸º˜¸º¥¸®Ÿ¸ú £¸Ÿ¸¸¬¨¸¸Ÿ¸ú, ªú ¬¸¾Ÿ¡¸º‚¥¸ ¸¸Á¸Ä ¬’úûÅ›¸ ¸½¤¸£¸¸, ªúŸ¸÷¸ú Ÿ¸¾£ú ¸½¤¸£¸¸, ªú Š¸½¢¤Ï¡¸¥¸
¬’úûÅ›¸ £¸Ÿ¡¸¸ˆºÅŸ¸¸£ ¬¸¾Ÿ¡¸º‚¥¸, ƒ¨¸¸¿Š¸½¢¥¸›¸ Ÿ¸¾£ú ¢ˆÅ³Å¤¸¸ ¬¸¾Ÿ¡¸º‚¥¸, ¸¸Á›¸ ‚¥¸½Æ¸Ê”£ ¸½¤¸£¸¸, ©¸¸¿¢÷¸ ¥¸¸¨¸µ¡¸¸ œ¸¸Á¥¸, ƒ¨¸¸¿Š¸½¢¥¸›¸ ¢¬¸¿¢˜¸¡¸¸
£¸¸ˆºÅŸ¸¸£, ªúŸ¸÷¸ú ¢¨¸¢™©¸¸ ¬¸º£½©¸ ‰¸’›¸í¸£, ªú ¢ˆÅ©¸›¸¸¿™ ‰¸’›¸í¸£, ªúŸ¸÷¸ú £¸›¸ú ‰¸’›¸í¸£, ªú ¥¸¨¸½©¸ ‰¸’›¸í¸£, ªú £Ÿ¸½©¸ ‰¸’›¸í¸£,
ªúŸ¸÷¸ú œ¸»›¸Ÿ¸ ˆÅ£µ¸ú, ªúŸ¸÷¸ú ¬¸ú÷¸¸¥¸®Ÿ¸ú ‚¸£, ªú ¸½ ¬¸º¤ÏŸ¸µ¡¸Ÿ¸ ¢œ¸¥¥¸¾, ªúŸ¸÷¸ú œ¸Ð¸¸¨¸÷¸ú ‚ŸŸ¸¥¸, ªú ‚£¢¨¸¿™ ¸¡¸›¸, ˆºÅ. ›¸¿™›¸¸ ¸¡¸›¸,
ªú œ¸Ð¸ˆºÅŸ¸¸£ ‡¬¸, £¸›¸ú œ¸ú‡¬¸, ªú í£ú©¸ ¢¨¸›¸¸¡¸ˆÅ ˆºÅ¤¸½£, ªú ™î¸¸°¸½¡¸ ¸½. œ¸¸š¡¸½, ªúŸ¸÷¸ú ©¸ºž¸¸¿Š¸ú ”ú. œ¸¸š¡¸½, ¢¸›Ÿ¸¡¸ú ‡¸. ˆºÅ¤¸½£, ªú ¢¸÷¸ÊÍ
”ú. œ¸¸š¡¸½, ªúŸ¸÷¸ú ž¸¸¨¸›¸¸ ‡¸. œ¸¸œ¸’, ªú ¤¸ú¸» ›¸¸¡¸£, ªú ˆºÅ’Ã’ú ˆ¼Å«µ¸›¸ ›¸¸¡¸£, ªúŸ¸÷¸ú ™½¨¸ú ˆ½Å ›¸¸¡¸£, ‚¢™°¸ú ›¸¸¡¸£, œÏú¢÷¸ ¸¸¨¸¸ú, £½¢÷¸ ›¸¸¡¸£.
Smt. Anita Sharma, Shri. Harshvardhan Sharma, Shri Parth Sharma, Smt. Karunya Puli Gadda, Shri.Rajesh Kumar
Lav, Smt. Asha Goswami, Smt. Nidhi Sharma, Smt. Shailja Kaushal, Dr. Muthulakshmi Ramaswamy, Shri Samuel
George Stephen Jebaraj, Smt. Mary Jebaraj, Shri Gabriel Stephen Ramyakumar Samuel, Evangeline Mary Kiruba
Samuel, John Alexander Jebaraj, Shanthi Lavanya Paul, Evangeline Cynthia Rajkumar, Smt. Vidisha Suresh
Khatanhar, Shri Kishinchand Khatanhar, Smt. Rajni Khatanhar, Shri Lavesh Khatanhar, Shri Ramesh Khatanhar,
Smt. Poonam Karani, Smt. Seethalekshmy R , Shri J Subramonia Pillai , Smt. Padmavathy Ammal , Shri Aravind
Jayan, Kum. Nandana Jayan , Shri Padmakumar S , Rani PS , Shri Harish Vinayak Kuber , Shri Dattatraya J.
Padhye , Smt. Shubhangi D. Padhye , Chinmayee H. Kuber , Shri Jitendra D. Padhye Smt. Bhavna H. Papat ,Shri
Biju Nair, Shri Kutty Krishnan Nair, Smt. Devi K Nair, Aditri Nair, Preethi Javaji, Rethi Nair.

ii. ¬¸¿¬˜¸¸‡¿ ¢¸›¸Ÿ¸Ê ˆ½Å‡Ÿ¸œ¸ú ˆÅú ¢í÷¸¤¸Ö÷¸¸ í¾ - ‡¬¸‚¸ƒÄ‚¸£‡ûÅ ƒ›¨¸½¬’Ÿ¸Ê’ œÏ¸. ¢¥¸. ‡¨¸¿ ¬¸¸½©¸¥¸ û»Å’¢œÏ¿’ œÏ¸. ¢¥¸.
Entities in which KMPs have Interest - SIRF Investment Pvt. Ltd. & Social Footprint Pvt. Ltd.

‚¸. ¬¸¿¤¸Ö œ¸®¸ˆÅ¸£¸Ê ˆ½Å ¬¸¸˜¸ ¢ˆÅ‡ Š¸‡ ¥¸½›¸-™½›¸¸Ê ˆÅ¸ ¢¨¸¨¸£µ¸
B. Details of transactions with Related Parties

i. 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¬¸¿¤¸Ö œ¸®¸ˆÅ¸£¸Ê ˆ½Å ¬¸¸˜¸ ¥¸½›¸-™½›¸/ ©¸½«¸£¸¢©¸¡¸¸¿
Transactions/ balances with related parties during the Year ended March 31, 2024
(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ œÏ¨¸÷¸ÄˆÅ ¬¸í¸¡¸ˆÅ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ ¬¸í¡¸¸½Š¸ú Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆºÅ¥¸
Particulars Promoter ¬¸¿¬˜¸¸‡¿ Joint ˆ¿Åœ¸¢›¸¡¸¸¿ # ˆÅ¸¢Ÿ¸ÄˆÅ $@ Total
Subsidiaries Ventures Associates# Key
Management
Personnel $ @

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¤¸ˆÅ¸¡¸¸ „š¸¸£ - - - - - -

Borrowings Outstanding as on March 31, 2024

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ˆÅ¸¡¸¸ „š¸¸£ ˆÅú ‚¢š¸ˆÅ÷¸Ÿ¸ £¸¢©¸ - - - - - -

Maximum amount of borrowings Outstanding
during the year

dm{f©H$ [anmoQ>© Annual Report 2023-24 421

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ œÏ¨¸÷¸ÄˆÅ ¬¸í¸¡¸ˆÅ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ ¬¸í¡¸¸½Š¸ú Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆºÅ¥¸
Particulars Promoter ¬¸¿¬˜¸¸‡¿ Joint ˆ¿Åœ¸¢›¸¡¸¸¿ # ˆÅ¸¢Ÿ¸ÄˆÅ $@ Total
Subsidiaries Ventures Associates# Key
Management
Personnel $ @

¸Ÿ¸¸£¸¢©¸¡¸¸Ê ˆÅ¸ ¢›¸¡¸¸½¸›¸ - - - - - -

Placement of deposit

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¤¸ˆÅ¸¡¸¸ ¸Ÿ¸¸ £¸¢©¸¡¸¸¿ 4,696 292 - 61 - 5,049

Deposits Outstanding as on March 31, 2024

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ˆÅ¸¡¸¸ ‚¢š¸ˆÅ÷¸Ÿ¸ ¸Ÿ¸¸ £¸¢©¸¡¸¸¿ 23,524 959 - 219 - 24,702
Maximum amount of Deposits Outstanding
during the year

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‚›¡¸ ¤¸ˆÅ¸¡¸¸ ™½¡¸÷¸¸‡¿ 0.10 34 - - - 34

Other Liabilities Outstanding as on March 31,
2024

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚›¡¸ ¤¸ˆÅ¸¡¸¸ ™½¡¸÷¸¸‚¸Ê ˆÅú ‚¢š¸ˆÅ÷¸Ÿ¸ £¸¢©¸ 0.11 91 - - - 91
Maximum amount of Other Liabilities
Outstanding during the year

¤¸ˆÅ¸¡¸¸ ¢›¸¨¸½©¸ - 308 - - - 308

Investments Outstanding

¤¸ˆÅ¸¡¸¸ ‚¢š¸ˆÅ÷¸Ÿ¸ ¢›¸¨¸½©¸ - 308 - - - 308

Maximum investments Outstanding

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‚¢ŠÏŸ¸ 500 45 - - - 545

Advances as on March 31, 2024

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¢š¸ˆÅ÷¸Ÿ¸ ‚¢ŠÏŸ¸ 503 45 - - - 548

Maximum Advances During the year

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ œÏ¸œ¡¸ ¤¸ˆÅ¸¡¸¸ 14 1 - - - 15

Receivable Outstanding as on March 31, 2024

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œÏ¸œ¡¸ ¤¸ˆÅ¸¡¸¸ ˆÅú ‚¢š¸ˆÅ÷¸Ÿ¸ £¸¢©¸ 17 8 - - - 26

Maximum amount of receivable Outstanding
during the Year

¸Ÿ¸¸£¸¢©¸¡¸¸Ê œ¸£ ¤¡¸¸¸ 1 14 - 36 - 51

Interest on deposits

œ¸¸¢£ª¢Ÿ¸ˆÅ - - - - 10 10
Remunerations

¬¸½ ¬¸½¨¸¸‡¿ œÏ¸œ÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¨¡¸¡¸ 7 92 - 1 - 101

Expenses for receiving services from

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(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ œÏ¨¸÷¸ÄˆÅ ¬¸í¸¡¸ˆÅ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ ¬¸í¡¸¸½Š¸ú Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆºÅ¥¸
Particulars Promoter ¬¸¿¬˜¸¸‡¿ Joint ˆ¿Åœ¸¢›¸¡¸¸¿ # ˆÅ¸¢Ÿ¸ÄˆÅ $@ Total
Subsidiaries Ventures Associates# Key
Management
Personnel $ @

ˆÅ¸½ œÏ™¸›¸ ˆÅú Š¸ƒÄ ¬¸½¨¸¸‚¸Ê ¬¸½ ‚¸¡¸ 102 14 - - - 116

Income from services rendered to

‚¢ŠÏŸ¸¸½¿ œ¸£ ¤¡¸¸¸ ‚¸¡¸ 11 3 - - - 14

Interest Income on Advances

„š¸¸£¸Ê œ¸£ ¤¡¸¸¸ ¨¡¸¡¸ - - - - - -

Interest Expense on borrowings

¨¸«¸Ä 31 Ÿ¸¸¸Ä 2024 ¤¸ˆÅ¸¡¸¸ Š¸¾£-¢›¸¢š¸ œÏ¢÷¸¤¸Ö÷¸¸‡¿ - 12 - - - 12

Non-Funded Commitments outstanding as on
March 31, 2024

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ˆÅ¸¡¸¸ Š¸¾£-¢›¸¢š¸ œÏ¢÷¸¤¸Ö÷¸¸‚¸½¿ ˆÅú ‚¢š¸ˆÅ÷¸Ÿ¸ - 12 - - - 12

£¸¢©¸
Maximum amount of Non-Funded Commitments
outstanding during the year

# œ¸ú‚¸ƒÄœ¸ú”ú‚¸ƒÄ¬¸ú‡¥¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê, ¤¸ÿˆÅ ˆÅ¸½ ˆ¿Åœ¸›¸ú ¬¸½ ˆÅ¸½ƒÄ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ‚¸¾£ ¥¸½›¸™½›¸ ¢¨¸¨¸£µ¸ œÏ¸œ÷¸ ›¸íú¿ íº‚¸ í¾. ‚÷¸À „œ¸¡¸ºÄÆ÷¸ Ÿ¸Ê ¸¸›¸ˆÅ¸£ú ¬¸Ÿ¸½¢ˆÅ÷¸ ›¸íú¿ í¾. ¤¸ÿˆÅ ›¸½
œ¸ú‚¸ƒÄœ¸ú”ú‚¸ƒÄ¬¸ú‡¥¸ Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅ¸½ ‡ˆÅ ²œ¸¡¸½ ÷¸ˆÅ ˆÅŸ¸ ˆÅ£ ¢™¡¸¸ í¾.
# In respect of PIPDICL, the Bank has not received any financial statements & transactions details from the company hence information not
consolidated in above. The Bank has written down investment in PIPDICL to Rupee one.

¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ›¸½©¸›¸¥¸ ¢¬¸Æ¡¸¸½¢£’ú¸ ¢”œ¸¸Á¢¸’£ú ¢¥¸¢Ÿ¸’½” (‡›¸‡¬¸”ú‡¥¸) ˆÅú ¸ºˆÅ÷¸¸ ƒ¦Æ¨¸’ú ©¸½¡¸£ œ¸»¿¸ú ˆÅ¸ 26.10% ¢í¬¬¸¸ í¾. ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸ ‡¨¸¿ ¢¨¸¢›¸Ÿ¸¡¸ ¤¸¸½”Ä ›¸½ 06
‚Æ÷¸»¤¸£ 2023 ˆ½Å œ¸°¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½, ‚¢÷¸¢£Æ÷¸ ©¸½¡¸£š¸¸¢£÷¸¸ ˆ½Å ¨¸¸¬÷¸¢¨¸ˆÅ ¢¨¸¢›¸¨¸½©¸ ÷¸ˆÅ, ‡›¸‡¬¸”ú‡¥¸ Ÿ¸Ê ¤¸ÿˆÅ ˆÅú 14.99% ¬¸½ ‚¢š¸ˆÅ ©¸½¡¸£š¸¸¢£÷¸¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¨¸¸½¢’¿Š¸ ‚¢š¸ˆÅ¸£
‚¸¾£ ¬¸ž¸ú ˆÅ¸Áœ¸¸½Ä£½’ ˆÅ¸£Ä¨¸¸ƒ¡¸¸Ê ˆÅ¸½ œÏ¢÷¸¤¸¿¢š¸÷¸ ˆÅ£ ¢™¡¸¸. ÷¸˜¸¸¢œ¸, œÏ¸º£ œÏˆÅ’úˆÅ£µ¸ ˆ½Å ¢í÷¸ Ÿ¸Ê ‚¸¾£ ¢¨¸¢š¸ˆÅ ¢¨¸©¸½«¸±¸ ˆÅú £¸¡¸ ˆ½Å ‚¸š¸¸£ œ¸£, ¤¸ÿˆÅ ›¸½ ¤¸ÿˆÅ ׸£¸ ¢¨¸¢ž¸››¸ ¬¸¸¿¢¨¸¢š¸ˆÅ
ûŸƒ¢¥¸¿Š¸ ˆ½Å ÷¸í÷¸ ‡›¸‡¬¸”ú‡¥¸ ˆÅ¸½ ‡ˆÅ '¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸›¸ú' ˆ½Å ³Åœ¸ Ÿ¸Ê Ÿ¸¸›¡¸÷¸¸ ™½›¸¸ ¸¸£ú £‰¸›¸½ ˆÅ¸ ¢›¸µ¸Ä¡¸ ¢¥¸¡¸¸ í¾ ‚¸¾£ ›¸¨¸ú›¸÷¸Ÿ¸ „œ¸¥¸¤š¸ ¬¸ú¢Ÿ¸÷¸ ¬¸Ÿ¸ú®¸¸ ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê
‚˜¸¸Ä÷¸Ã 31 ¢™¬¸¿¤¸£ 2023 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ›¸¸¾ Ÿ¸íú›¸½ ˆÅú ‚¨¸¢š¸ ˆ½Å ‡›¸‡¬¸”ú‡¥¸ ˆ½Å ¢¨¸î¸ú¡¸ œ¸¢£µ¸¸Ÿ¸¸Ê ˆÅ¸½ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢ˆÅ¡¸¸ í¾.
The Bank holds 26.10% of the paid-up equity share capital of National Securities Depository Ltd (NSDL). The Securities Exchange Board of
India, vide letter dated October 06, 2023 restricted the voting rights and all corporate actions in respect of bank’s shareholding in NSDL in
excess of 14.99%, until the actual divestment of the excess shareholding. However, in the interest of abundant disclosure and based on a
legal expert’s opinion, the Bank has decided to continue to recognize NSDL as an 'associate company' under the various statutory filings by
the Bank and has consolidated financial results of NSDL based on the latest available limited reviewed financial statements, i.e. as at and up
to the period of nine months ended December 31, 2023.

$ ‡‡¬¸ 18 ˆ½Å œ¸¾£¸ŠÏ¸ûÅ 5 ˆ½Å ‚›¸º¬¸¸£, Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ¸Ê ÷¸˜¸¸ Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ¸Ê ˆ½Å ¢£©÷¸½™¸£¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¤¸ÿˆÅ£-ŠÏ¸íˆÅ ¬¸¿¤¸¿š¸ ˆ½Å ¬¨¸³Åœ¸ ˆ½Å ¥¸½›¸™½›¸¸½¿ ˆÅ¸½ œÏˆÅ’ ›¸íú¿
¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
$ In terms of paragraph 5 of AS 18, transactions in the nature of Banker-Customer relationship have not been disclosed in respect of Key
Management Personnel and relatives of Key Management Personnel. .

@ 1) œÏŸ¸º‰¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¢Ÿ¸Ä¡¸¸Ê ˆ½Å ¢¥¸‡ ¬¸½¨¸¸¢›¸¨¸¼¢î¸ ¥¸¸ž¸ ‡ˆÅ ¬¸Ÿ¸ŠÏ œ¸»¥¸ ˆ½Å ¢í¬¬¸½ ˆ½Å ³Åœ¸ Ÿ¸Ê ‚¢¸Ä÷¸ ¢ˆÅ‡ ¸¸÷¸½ íÿ ‚¸¾£ œÏŸ¸º‰¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¢Ÿ¸Ä¡¸¸Ê œ¸£ ‚¸¨¸¿¢’÷¸ ›¸íú¿ ¢ˆÅ‡ ¸¸÷¸½ íÿ.
Retiral Benefits for key managerial personnel are accrued as a part of an overall pool and are not allocated against key managerial
personnel.

2) œ¸»µ¸ÄˆÅ¸¢¥¸ˆÅ ¢›¸™½©¸ˆÅ¸Ê/ Ÿ¸º‰¡¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ‚¢š¸ˆÅ¸¢£¡¸¸Ê/ ÷¸¸¦÷¨¸ˆÅ ¸¸½¢‰¸Ÿ¸ ¥¸½›¸½ ¨¸¸¥¸¸Ê ‚¸¾£ ¢›¸¡¸¿°¸µ¸ ˆÅ¸¡¸Ä ˆÅ£›¸½ ¨¸¸¥¸½ ¬’¸ûÅ ˆÅ¸½ ®¸¢÷¸œ¸»¢÷¸Ä ˆ½Å ¤¸¸£½ Ÿ¸Ê ¢™›¸¸¿ˆÅ 4 ›¸¨¸¿¤¸£ 2019
ˆ½Å ¢£{¸¨¸Ä ¤¸ÿˆÅ œ¸¢£œ¸°¸ ‚¸£¤¸ú‚¸ƒÄ/2019-20/89 ”ú‚¸½‚¸£.‡œ¸úœ¸ú’ú. ¤¸ú¬¸ú.¬¸¿. 23/29.67.001/2019-20 ˆ½Å ‚›¸º¬¸¸£.
In accordance with RBI Circular RBI/2019-20/89 DOR.Appt.BC.No.23/29.67.001/2019-20 dated November 4, 2019 on Compensation
of Whole Time Directors/ Chief Executive Officers/ Material Risk Takers and Control Function staff

¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ¢¥¸‡ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ (›¸ˆÅ™ ‹¸’ˆÅ) í½÷¸º ˆºÅ¥¸ ` 1.16 ˆÅ£¸½”õ ˆÅú ˆöºÅ¥¸ £¸¢©¸ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 1.48 ˆÅ£¸½”õ) ˆÅ¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸.
For the FY 2023-24, total amount of ` 1.16 Crore (previous year ` 1.48 crore) was provided for variable pay (cash component).

dm{f©H$ [anmoQ>© Annual Report 2023-24 423

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¬¸¿¤¸Ö œ¸®¸ˆÅ¸£¸Ê ˆ½Å ¬¸¸˜¸ ¥¸½›¸-™½›¸/ ©¸½«¸ £¸¢©¸¡¸¸¿
Transactions/ balances with related parties during the year ended March 31, 2023:
(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ œÏ¨¸÷¸ÄˆÅ ¬¸í¸¡¸ˆÅ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ ¬¸í¡¸¸½Š¸ú Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆºÅ¥¸
Particulars Promoter ¬¸¿¬˜¸¸‡¿ Joint ¬¸¿¬˜¸¸‡¿# ˆÅ¸¢Ÿ¸ÄˆÅ $@ Total
Subsidiaries Ventures Associates# Key
Management
Personnel $ @

31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¤¸ˆÅ¸¡¸¸ „š¸¸£ - - - - - -

Borrowings Outstanding as on March 31, 2023
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ˆÅ¸¡¸¸ „š¸¸£ ˆÅú ‚¢š¸ˆÅ÷¸Ÿ¸ £¸¢©¸ 1,450 - - - - 1,450
Maximum amount of borrowings Outstanding
during the year
¸Ÿ¸¸£¸¢©¸¡¸¸Ê ˆÅ¸ ¢›¸¡¸¸½¸›¸ - - - - - -
Placement of deposit
31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¤¸ˆÅ¸¡¸¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ 5,390 177 - 89 - 5,656
Deposits Outstanding as on March 31, 2023
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ˆÅ¸¡¸¸ ‚¢š¸ˆÅ÷¸Ÿ¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ 9,164 307 13 314 - 9,798
Maximum amount of Deposits Outstanding
during the year
31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¤¸ˆÅ¸¡¸¸ ‚›¡¸ ™½¡¸÷¸¸‡¿ 0.31 17 - - - 17
Other Liabilities Outstanding as on March 31,
2023
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ˆÅ¸¡¸¸ ‚›¡¸ ™½¡¸÷¸¸‚¸Ê ˆÅú ‚¢š¸ˆÅ÷¸Ÿ¸ £¸¢©¸ 0.31 57 0.003 - - 57
Maximum amount of Other Liabilities
Outstanding during the year
31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¤¸ˆÅ¸¡¸¸ ¢›¸¨¸½©¸ - 308 - 37 - 345
Investments Outstanding as on March 31, 2023
¤¸ˆÅ¸¡¸¸ ‚¢š¸ˆÅ÷¸Ÿ¸ ¢›¸¨¸½©¸ - 308 200 37 - 545
Maximum investments Outstanding
31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ‚¢ŠÏŸ¸ - 22 - - - 22
Advances as on March 31, 2023
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¢š¸ˆÅ÷¸Ÿ¸ ‚¢ŠÏŸ¸ - 22 - - - 22
Maximum Advances During the year
31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ œÏ¸œ¡¸ ¤¸ˆÅ¸¡¸¸ 7 1 - 0.001 - 8
Receivable Outstanding as on March 31, 2023
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œÏ¸œ¡¸ ¤¸ˆÅ¸¡¸¸ ˆÅú ‚¢š¸ˆÅ÷¸Ÿ¸ £¸¢©¸ 7 2 1 0.001 - 10
Maximum amount of receivable Outstanding
during the Year
¸Ÿ¸¸£¸¢©¸¡¸¸Ê œ¸£ ¤¡¸¸¸ 1 9 0.003 7 - 17
Interest on deposits
œ¸¸¢£ª¢Ÿ¸ˆÅ - - - - 8 8
Remunerations
¬¸½ ¬¸½¨¸¸‡¿ œÏ¸œ÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¨¡¸¡¸ 2 81 - 1 - 84
Expenses for receiving services from
ˆÅ¸½ œÏ™¸›¸ ˆÅú Š¸ƒÄ ¬¸½¨¸¸‚¸Ê ¬¸½ ‚¸¡¸ 77 14 2 0.10 - 93
Income from services rendered to

424 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
¢¨¸¨¸£µ¸ œÏ¨¸÷¸ÄˆÅ ¬¸í¸¡¸ˆÅ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ ¬¸í¡¸¸½Š¸ú Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆºÅ¥¸
Particulars Promoter ¬¸¿¬˜¸¸‡¿ Joint ¬¸¿¬˜¸¸‡¿# ˆÅ¸¢Ÿ¸ÄˆÅ $@ Total
Subsidiaries Ventures Associates# Key
Management
Personnel $ @

‚¢ŠÏŸ¸¸½¿ œ¸£ ¤¡¸¸¸ ‚¸¡¸ - 0.47 - - - 0.47

Interest Income on Advances
„š¸¸£¸Ê œ¸£ ¤¡¸¸¸ ¨¡¸¡¸ 70 - - - - 70
Interest Expense on borrowings
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ˆÅ¸¡¸¸ Š¸¾£-¢›¸¢š¸ œÏ¢÷¸¤¸Ö÷¸¸‡¿ - 5 - 0.28 - 5
Non-Funded Commitments outstanding during
the year
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ˆÅ¸¡¸¸ Š¸¾£-¢›¸¢š¸ œÏ¢÷¸¤¸Ö÷¸¸‚¸½¿ ˆÅú ‚¢š¸ˆÅ÷¸Ÿ¸ - 5 0.25 0.28 - 6
£¸¢©¸
Maximum amount of Non-Funded Commitments
outstanding during the year

# œ¸ú‚¸ƒÄœ¸ú”ú‚¸ƒÄ¬¸ú‡¥¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê, ¤¸ÿˆÅ ˆÅ¸½ ˆ¿Åœ¸›¸ú ¬¸½ ˆÅ¸½ƒÄ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ‚¸¾£ ¥¸½›¸™½›¸ ¢¨¸¨¸£µ¸ œÏ¸œ÷¸ ›¸íú¿ íº‚¸ í¾. ‚÷¸À „œ¸¡¸ºÄÆ÷¸ Ÿ¸Ê ¸¸›¸ˆÅ¸£ú ¬¸Ÿ¸½¢ˆÅ÷¸ ›¸íú¿ í¾. ¤¸ÿˆÅ ›¸½
œ¸ú‚¸ƒÄœ¸ú”ú‚¸ƒÄ¬¸ú‡¥¸ Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅ¸½ ‡ˆÅ ²œ¸¡¸½ ÷¸ˆÅ ˆÅŸ¸ ˆÅ£ ¢™¡¸¸ í¾.
# In respect of PIPDICL, the Bank has not received any financial statements & transactions details from the company hence information not
consolidated in above. The Bank has written down investment in PIPDICL to Rupee one.

$ ‡‡¬¸ 18 ˆ½Å œ¸¾£¸ŠÏ¸ûÅ 5 ˆ½Å ‚›¸º¬¸¸£, Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ¸Ê ÷¸˜¸¸ Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ¸Ê ˆ½Å ¢£©÷¸½™¸£¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¤¸ÿˆÅ£-ŠÏ¸íˆÅ ¬¸¿¤¸¿š¸ ˆ½Å ¬¨¸³Åœ¸ ˆ½Å ¥¸½›¸™½›¸¸½¿ ˆÅ¸½ œÏˆÅ’ ›¸íú¿
¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
$ In terms of paragraph 5 of AS 18, transactions in the nature of Banker-Customer relationship have not been disclosed in respect of Key
Management Personnel and relatives of Key Management Personnel.

@ 1) œÏŸ¸º‰¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¢Ÿ¸Ä¡¸¸Ê ˆ½Å ¢¥¸‡ ¬¸½¨¸¸¢›¸¨¸¼¢î¸ ¥¸¸ž¸ ‡ˆÅ ¬¸Ÿ¸ŠÏ œ¸»¥¸ ˆ½Å ¢í¬¬¸½ ˆ½Å ³Åœ¸ Ÿ¸Ê ‚¢¸Ä÷¸ ¢ˆÅ‡ ¸¸÷¸½ íÿ ‚¸¾£ œÏŸ¸º‰¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¢Ÿ¸Ä¡¸¸Ê œ¸£ ‚¸¨¸¿¢’÷¸ ›¸íú¿ ¢ˆÅ‡ ¸¸÷¸½ íÿ.
Retiral Benefits for key managerial personnel are accrued as a part of an overall pool and are not allocated against key managerial personnel.

2) œ¸»µ¸ÄˆÅ¸¢¥¸ˆÅ ¢›¸™½©¸ˆÅ¸Ê/ Ÿ¸º‰¡¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ‚¢š¸ˆÅ¸¢£¡¸¸Ê/ ÷¸¸¦÷¨¸ˆÅ ¸¸½¢‰¸Ÿ¸ ¥¸½›¸½ ¨¸¸¥¸¸Ê ‚¸¾£ ¢›¸¡¸¿°¸µ¸ ˆÅ¸¡¸Ä ˆÅ£›¸½ ¨¸¸¥¸½ ¬’¸ûÅ ˆÅ¸½ ®¸¢÷¸œ¸»¢÷¸Ä ˆ½Å ¤¸¸£½ Ÿ¸Ê ¢™›¸¸¿ˆÅ 4 ›¸¨¸¿¤¸£ 2019 ˆ½Å
¢£{¸¨¸Ä ¤¸ÿˆÅ œ¸¢£œ¸°¸ ‚¸£¤¸ú‚¸ƒÄ/2019-20/89 ”ú‚¸½‚¸£.‡œ¸úœ¸ú’ú. ¤¸ú¬¸ú.¬¸¿. 23/29.67.001/2019-20 ˆ½Å ‚›¸º¬¸¸£.
In accordance with RBI Circular RBI/2019-20/89 DOR.Appt.BC.No.23/29.67.001/2019-20 dated November 4, 2019 on Compensation of
Whole Time Directors/ Chief Executive Officers/ Material Risk Takers and Control Function staff

¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å ¢¥¸‡ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ (›¸ˆÅ™ ‹¸’ˆÅ) í½÷¸º ˆºÅ¥¸ ` 1.48 ˆÅ£¸½”õ ˆÅú £¸¢©¸ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 1.66 ˆÅ£¸½”õ) ˆÅ¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸.
For the FY 2022-23, total amount of ` 1.48 Crore (previous year ` 1.66 crore) was provided for variable pay (cash component).

ii. 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œÏŸ¸º‰¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ¸Ê ˆÅ¸½ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ œ¸¸¢£ª¢Ÿ¸ˆÅ ` 9.93 ˆÅ£¸½”õ í¾.
Remuneration paid to Key Management Personnel during the year ended March 31, 2024 is ` 9.93 crore.

(` ˆÅ£¸½”õ) / (` Crore)
ÇÅ. ¬¸¿. Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23
S. No. Key Management Personnel FY 2023-24 FY 2022-23
1 ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä, œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ ¬¸úƒÄ‚¸½. 5.00 3.25
Shri Rakesh Sharma, Managing Director & CEO
2 ªú ¬¸¾Ÿ¡¸º‚¥¸ ¸¸½¬¸½ûÅ ¸½¤¸£¸¸, „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ (5 ‚œÏ¾¥¸ 2023 ÷¸ˆÅ). 1.20 1.69
Shri Samuel Joseph Jebaraj, Deputy Managing Director
(upto April 5, 2023)

dm{f©H$ [anmoQ>© Annual Report 2023-24 425

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore)
ÇÅ. ¬¸¿. Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23
S. No. Key Management Personnel FY 2023-24 FY 2022-23

3 ªú ¬¸º£½©¸ ¢ˆÅ©¸›¸¸¿™ ‰¸’›¸í¸£, „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ (14 ¸›¸¨¸£ú 2024 ÷¸ˆÅ). 1.89 1.70
Shri Suresh Kishanchand Khatanhar, Deputy Managing Director
(upto January 14, 2024)

4 ªú ¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾, „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ (12 ¸»›¸ 2023 ¬¸½) 0.69 -
Shri Jaya kumar S Pillai, Deputy Managing Director (From June
12, 2023)

5 ªúŸ¸÷¸ú ¦¬Ÿ¸÷¸¸ í£ú©¸ ˆºÅ¤¸½£, Ÿ¸º‰¡¸ ¢¨¸î¸ú¡¸ ‚¢š¸ˆÅ¸£ú 0.74 -

Smt. Smita Harish Kuber, Chief Financial Officer

6 ªú œ¸¸½˜¸ºˆºÅ¸ú ¬¸ú÷¸¸£¸Ÿ¸, ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ ‡¨¸¿ Ÿ¸º‰¡¸ ¢¨¸î¸ú¡¸ ‚¢š¸ˆÅ¸£ú - 0.77

(31 Ÿ¸¸¸Ä 2023 ÷¸ˆÅ)
Shri Pothukuchi Sitaram, Executive Director & Chief Financial
Officer
(upto March 31, 2023)

7 ªúŸ¸÷¸ú ¡¸¸½¢÷¸ ›¸¸¡¸£, ˆ¿Åœ¸›¸ú ¬¸¢¸¨¸ 0.41 0.34

Smt. Jyothi Nair, Company Secretary

ˆºÅ¥¸ / Total 9.93 7.75

›¸¸½’À ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2021-22 ˆ½Å ¢¥¸‡ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ˆÅ¸ ‚œ¸ü¿Å’ ‹¸’ˆÅ ` 0.43 ˆÅ£¸½”õ ‚¸¾£ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å ¢¥¸‡ ` 0.74 ˆÅ£¸½”õ Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸
ˆÅ¸¢Ÿ¸ÄˆÅ ˆÅ¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ™¸¾£¸›¸ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸, ¸»¿¢ˆÅ ¡¸í ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å „›¸ˆ½Å œ¸¸¢£ª¢Ÿ¸ˆÅ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ í¾ ƒ¬¸¢¥¸‡ ¢¨¸î¸ú¡¸ ¨¸«¸Ä
2023-24 ˆ½Å „›¸ˆ½Å œ¸¸¢£ª¢Ÿ¸ˆÅ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ›¸íú¿ í¾.
Note: Upfront component of variable pay for FY 2021-22 ` 0.43 crore and for FY 2022-23 ` 0.74 crore paid to Key Management
Personnel during the FY 2023-24, since included in their remuneration for FY 2022-23, is not included in their remuneration for
FY 2023-24.
6. œ¸’Ã’½ (‡‡¬¸-19) / Leases (AS-19)
ˆÅ) œ¸’Ã’¸ /¢ˆÅ£¸‡ œ¸£ ¥¸ú Š¸ƒÄ ¬¸¿œ¸¢î¸¡¸¸¿ ¤¸ÿˆÅ ˆ½Å ¢¨¸ˆÅ¥œ¸ œ¸£ ›¸¨¸úˆÅ£µ¸ú¡¸/£Ó ˆÅ£›¸½ ¡¸¸½Š¡¸ í¸½÷¸ú í¾.
a) The Properties taken on lease/rental basis are renewable/cancellable at the option of the Bank

‰¸) ¤¸ÿˆÅ ׸£¸ ¢¥¸‡ Š¸‡ ¥¸ú¸ ¬¸íŸ¸÷¸ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ í¸½÷¸½ íÿ ¢¸¬¸Ÿ¸Ê ¥¸ú¸ ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ ž¸ú œ¸¸£¬œ¸¢£ˆÅ ³Åœ¸ ¬¸½ ¬¸íŸ¸÷¸ ˆ¾Å¥¸Ê”£ Ÿ¸¸í ˆÅ¸ ¢¥¸¢‰¸÷¸ ›¸¸½¢’¬¸
™½ˆÅ£ ¥¸ú¸ ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ˆÅ£›¸½ ˆ½Å ¢¨¸ˆÅ¥œ¸ í¸½÷¸¸ í¾.
b) The lease entered into by the Bank are for agreed period with an option to terminate the leases even during the tenure
of lease period by giving mutually agreed calendar month notice in writing..

Š¸) ›¸¨¸úˆÅ£µ¸ ‚¸¾£ ¨¸¼¢Ö ‰¸¿” ˆÅú ©¸÷¸½ô ¨¸½ íÿ ¸¸½ ¬¸¸Ÿ¸¸›¡¸ ³Åœ¸ ¬¸½ ‡½¬¸½ ¬¸Ÿ¸¸¸¾÷¸¸Ê Ÿ¸Ê œÏ¸¢¥¸÷¸ íÿ. ¬¸Ÿ¸¸¸¾÷¸¸Ê Ÿ¸Ê ˆÅ¸½ƒÄ ‚›¸º¢¸÷¸ œÏ¢÷¸¤¸¿š¸ ¡¸¸ ™º¨¸Äí ‰¸¿” ›¸íú¿ í¾. .
c) The terms of renewal and escalation clauses are those normally prevalent in similar agreements. There are no undue
restrictions or onerous clauses in the agreements..

‹¸) œ¸¢£¸¸¥¸›¸Š¸÷¸ œ¸’Ã’½ ˆ½Å ¢¥¸‡ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ‡ Š¸‡ œ¸’Ã’¸ ¢ˆÅ£¸‡ ˆÅ¸½ „¬¸ ¨¸«¸Ä Ÿ¸Ê ¢¸¬¸¬¸½ ¨¸í ¬¸¿¤¸¿¢š¸÷¸ í¾, ¥¸¸ž¸ -í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾. ¢¨¸î¸ú¡¸ ¨¸«¸Ä
2023-24 ˆ½Å ™¸¾£¸›¸ ¥¸¸ž¸ ‡¨¸¿ í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê ™¸Ä ¥¸ú¸ ¢ˆÅ£¸¡¸¸ ` 458 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸ÄÀ ` 406 ˆÅ£¸½”õ) í¾.
d) Lease rent paid for operating leases are recognised in the Profit & Loss account in the year to which it relates. The lease
rent recognised in Profit & Loss account during the FY 2023-24 is ` 458 crore (Previous Year: ` 406 crore).

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7. ‚) œÏ¢÷¸ ©¸½¡¸£ ‚¸Ä›¸ (ƒÄœ¸ú‡¬¸)(‡‡¬¸-20)
(A) Earnings Per Share (EPS) (AS-20)

¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

Particulars As at As at
March 31, 2024 March 31, 2023

ƒÄœ¸ú‡¬¸ ˆÅú Š¸µ¸›¸¸ ˆ½Å ¢¥¸‡ ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ Š¸¡¸¸ ¢›¸¨¸¥¸ ¥¸¸ž¸/ (í¸¢›¸) (` ˆÅ£¸½”õ) 5,634 3,645
Net profit/ (loss) considered for EPS calculation (` crore)

¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆÅú ¬¸Ÿ¸¸¦œ÷¸ œ¸£ ¤¸ˆÅ¸¡¸¸ ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆÅú ¬¸¿‰¡¸¸ 1075,24,02,175 1075,24,02,175
Number of equity shares outstanding at the end of the financial year

Ÿ¸»¥¸ ƒÄœ¸ú‡¬¸ ˆÅú Š¸µ¸›¸¸ ˆ½Å ¢¥¸‡ ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸‡ Š¸¡¸½ ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆÅú ž¸¸¢£÷¸ ‚¸¾¬¸÷¸ ¬¸¿‰¡¸¸ 1075,24,02,175 1075,24,02,175
Weighted average number of equity shares considered for Basic EPS

¸¸½”õÊ À Ÿ¸¿¸»£ ¢ˆÅ‡ Š¸‡ ƒÄ¬¸¸Áœ¸ ˆÅ¸ ›¡¸»›¸úˆ¼Å÷¸ œÏž¸¸¨¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
Add: Dilutive impact of ESOP granted

›¡¸»›¸úˆ¼Å÷¸ ƒÄœ¸ú‡¬¸ ˆÅú Š¸µ¸›¸¸ ˆ½Å ¢¥¸‡ ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸‡ Š¸¡¸½ ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆÅú ž¸¸¢£÷¸ ‚¸¾¬¸÷¸ 1075,24,02,175 1075,24,02,175
¬¸¿‰¡¸¸
Weighted average number of equity shares considered for Diluted EPS

ƒÄœ¸ú‡¬¸(Ÿ¸»¥¸) (`) 5.24 3.39

EPS (Basic) (`)

ƒÄœ¸ú‡¬¸ (›¡¸»›¸úˆ¼Å÷¸) (`) 5.24 3.39

EPS (Diluted) (`)

œÏ¢÷¸ ƒ¦Æ¨¸’ú ©¸½¡¸£ ˆÅ¸ ‚¿¢ˆÅ÷¸ Ÿ¸»¥¡¸ (`) 10.00 10.00

Face value per Equity share (`)

7. (‚¸)/(B) ¥¸¸ž¸¸¿©¸ / Dividend

¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ›¸½ 04 Ÿ¸ƒÄ 2024 ˆÅ¸½ ¬¸¿œ¸››¸ ‚œ¸›¸ú ¤¸¾“ˆÅ Ÿ¸Ê ` 1.5 œÏ¢÷¸ ©¸½¡¸£ (¢œ¸Ž¥¸½ ¨¸«¸Ä - ` 1 œÏ¢÷¸ ©¸½¡¸£) ˆÅ¸ ¥¸¸ž¸¸¿©¸ œÏ¬÷¸¸¢¨¸÷¸ ¢ˆÅ¡¸¸, ¸¸½ ‚¸Š¸¸Ÿ¸ú ¨¸¸¢«¸ÄˆÅ
Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ¬¸™¬¡¸¸Ê ˆ½Å ‚›¸ºŸ¸¸½™›¸ ˆ½Å ‚š¸ú›¸ í¾..
The Board of Directors at its meeting held on May 04, 2024, proposed a dividend of ` 1.5 per share (previous year -
` 1 per share), subject to approval of the members at the ensuing Annual General Meeting.

¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ (‡‡¬¸) 4 ˆ½Å ‚›¸º¬¸¸£ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆ½Å ¤¸¸™ ‹¸¢’÷¸ ‚¸ˆÅ¦¬Ÿ¸ˆÅ÷¸¸‚¸Ê ‚¸¾£ ‹¸’›¸¸‚¸½¿ ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ¤¸ÿˆÅ ›¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å
¢¥¸‡ ¥¸¸ž¸ ‡¨¸¿ í¸¢›¸ ‰¸¸÷¸½ ¬¸½ ˆºÅ¥¸ ` 1612.86 ˆÅ£¸½”õ ˆ½Å œÏ¬÷¸¸¢¨¸÷¸ ¥¸¸ž¸¸¿©¸ ˆÅ¸½ ¢¨¸¢›¸¡¸¸½¢¸÷¸ ›¸íú¿ ¢ˆÅ¡¸¸ í¾. ÷¸˜¸¸¢œ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ œ¸»¿¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ‚›¸ºœ¸¸÷¸
ˆÅú Š¸µ¸›¸¸ Ÿ¸Ê œ¸»¿¸úŠ¸÷¸ ¢›¸¢š¸¡¸¸Ê ˆ½Å ¢›¸š¸¸Ä£µ¸ Ÿ¸Ê œÏ¬÷¸¸¢¨¸÷¸ ¥¸¸ž¸¸¿©¸ ˆ½Å œÏž¸¸¨¸ ˆÅú Š¸µ¸›¸¸ ˆÅú Š¸ƒÄ í¾.
In terms of Accounting Standard (AS)4 ''Contingencies and Events occurring after the Balance Sheet date'' the Bank has not
appropriated proposed dividend aggregating to ` 1612.86 crore from the Profit and Loss account for the year ended March 31,
2024. However the effect of the proposed dividend has been reckoned in determining capital funds in the computation of Capital
Adequacy Ratio as on March 31, 2024.

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ›¸½ œÏ¢÷¸ ©¸½¡¸£ ` 1 ˆÅ¸ ¥¸¸ž¸¸¿©¸ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ ˜¸¸ ¢¸¬¸½ 13 ¸º¥¸¸ƒÄ 2023 ˆÅ¸½ ¬¸¿œ¸››¸ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ¬¸™¬¡¸¸Ê ׸£¸ ‚›¸ºŸ¸¸½¢™÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸.
During the year, the Bank had paid dividend of ` 1 per share which was approved by the members at the Annual General
Meeting held on July 13, 2023.

8. ‚¸¡¸ œ¸£ ˆÅ£¸Ê ˆ½Å ¢¥¸‡ ¥¸½‰¸¸¿ˆÅ›¸(‡‡¬¸-22) / Accounting For Taxes On Income (AS-22)

¬¸Ÿ¸¡¸ ‚¿÷¸£¸¥¸ ˆ½Å ûÅ¥¸¬¨¸³Åœ¸ „÷œ¸››¸ í¸½›¸½ ¨¸¸¥¸ú ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê ‡¨¸¿ ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ™½¡¸÷¸¸ ˆ½Å ‹¸’ˆÅ ¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿÀ
The components of Deferred Tax Asset and Deferred Tax Liability arising out of timing difference are as follows:

dm{f©H$ [anmoQ>© Annual Report 2023-24 427

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore))

¢¨¸¨¸£µ¸ ¡¸˜¸¸ Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ Ÿ¸¸¸Ä 2023 ˆÅ¸½
Particulars As at ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ As at
March 2024 March 2023
‹¸’-¤¸õ
Movement for the
year ended
March 31, 2024

‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¢¬÷¸ / Deferred Tax Asset

‚¸¡¸ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸, 1961 ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‚›¸¸ÄˆÅ ‚¸¦¬÷¸¡¸¸Ê ¬¸½ 1,878 (784) 2,662
¬¸¿¤¸¿¢š¸÷¸ ‚¬¨¸úˆ¼Å¢÷¸ ÷¸˜¸¸ ‚›¡¸ œÏ¸¨¸š¸¸›¸¸Ê ˆÅú ‚›¸ºŸ¸¢÷¸ ›¸íú¿ í¾
Disallowance related to NPA and other provisions
not allowed under Income Tax Act, 1961

‚¸¡¸ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸, 1961 ˆÅú š¸¸£¸ 43¤¸ú ‚¸¾£ 35”ú ˆ½Å 341 103 238
‚š¸ú›¸ ‚¬¨¸úˆ¼Å¢÷¸
Disallowance u/s 43B and 35D of Income Tax
Act, 1961

‚›¸¨¸©¸¸½¢«¸÷¸ Ÿ¸»¥¡¸Ý¸¬¸ 75 (31) 106

Unabsorbed depreciation

ˆÅ¸£¸½¤¸¸£ Ÿ¸Ê í¸¢›¸ / Business Loss 6,956 (1,843) 8,799

¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸Ê œ¸£ Ÿ¸»¥¡¸Ý¸¬¸ 18 (6) 24

Depreciation on fixed assets

ˆºÅ¥¸ (‚) / Total (A) 9,268 (2,561) 11,829

‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ™½¡¸÷¸¸ / Deferred Tax Liability

‚¸¡¸ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸, 1961 ˆÅú š¸¸£¸ 36(1)(viii) ˆ½Å 308 - 308

‚¿÷¸Š¸Ä÷¸ ¬¸¼¢¸÷¸ ‡¨¸¿ ‚›¸º£¢®¸÷¸ ¢¨¸©¸½«¸ ¢£{¸¨¸Ä
Special Reserve created and maintained u/s
36(1)(viii) of the Income Tax Act, 1961

ˆºÅ¥¸ (‚¸) / Total (B) 308 - 308

‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ /(™½¡¸÷¸¸)/(¢›¸¨¸¥¸)(‚)-(‚¸) 8,960 (2,561) 11,521

Deferred tax asset/ (liability) (net) (A) – (B)

¤¸ÿˆÅ ˆÅ¸£¸½¤¸¸£ í¸¢›¸ ¬¸¢í÷¸ ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ (”ú’ú‡) ˆÅ¸½ ƒ¬¸ˆ½Å ¢£¨¸¬¸Ä¥¸ í¸½›¸½ ˆÅú ‚¸ž¸¸«¸ú ¢›¸¢ä¸÷¸÷¸¸ ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸÷¸½ íº‡ ™¸Ä ˆÅ£÷¸¸ í¾.
Bank is recognizing deferred tax asset (DTA) including that on business loss keeping in view the virtual certainty of its reversal.

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ›¸½ ¢¨¸¨¸½ˆÅœ¸»µ¸Ä „œ¸¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê, ¢¨¸¢©¸«’ Ÿ¸¸›¸ˆÅ ‰¸¸÷¸¸Ê ‚¸¾£ œ¸º›¸Š¸Ä¢“÷¸ ‰¸¸÷¸¸Ê œ¸£ ¬¸¼¢¸÷¸ œÏ¸¨¸š¸¸›¸¸Ê œ¸£ ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ ˆÅ¸½ Ÿ¸¸›¡¸÷¸¸ ›¸íú¿
™½›¸½ ˆÅ¸ ¢›¸µ¸Ä¡¸ ¢¥¸¡¸¸ ˜¸¸ ‚¸¾£ ƒ¬¸ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ˆÅ£ ¨¡¸¡¸ ` 400 ˆÅ£¸½”õ ¬¸½ ‚¢š¸ˆÅ í¾.
During the year Bank as a prudence measure, had decided not to recognize deferred tax asset on provisions created on specific
standard accounts & restructured accounts and consequently tax expenses for the Year ended March 31, 2024 are higher
by ` 400 crore.

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` ˆÅ£¸š¸¸›¸ ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ / Provision of Taxation
(` ˆÅ£¸½”õ) / (` Crore))
¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
Particulars ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡
Year ended Year ended
March 31, 2024 March 31, 2023
‚¸¡¸ˆÅ£ ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ - ¨¸÷¸ÄŸ¸¸›¸ ˆÅ£/ Provision for Income Tax - Current Tax (0)# (205)##

# ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2024 ˆ½Å ¢¥¸‡ ‚¸¡¸ˆÅ£ í½÷¸º ˆÅ¸½ƒÄ œÏ¸¨¸š¸¸›¸ ›¸íú¿ í¾.
# No provision for Income Tax made for the FY 2024.
## ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023 ˆ½Å ¢¥¸‡ ‚¸¡¸ˆÅ£ í½÷¸º ˆÅ¸½ƒÄ œÏ¸¨¸š¸¸›¸ ›¸íì ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2004, ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2005 ‡¨¸¿ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2013 ˆ½Å ¢¥¸‡ ¢ˆÅ‡ Š¸‡
ˆºÅ¥¸ ` 205 ˆÅ£¸½”õ ˆÅ¸ ‚¸¢š¸Æ¡¸ œÏ¸¨¸š¸¸›¸ ‚¸¡¸ˆÅ£ ¢£û¿Å”/ Ÿ¸¸¿Š¸ ˆ½Å ˆÅ¸£µ¸ œÏ¢÷¸¥¸½¢‰¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸.
## No Provision for Income Tax is made for the FY 2023. The excess provision for FY 2004, FY 2005 & FY 2013 aggregating to
` 205 crore was written back on account of Income tax refund/ demand.

9. œ¸¢£¸¸¥¸›¸ ¤¸¿™ ˆÅ£›¸¸ (‡‡¬¸-24) / Discontinuing Operations (AS-24 )

¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ›¸½ ‚œ¸›¸ú ¢ˆÅ¬¸ú ž¸ú ©¸¸‰¸¸ ˆÅ¸ œ¸¢£¸¸¥¸›¸ ¤¸¿™ ›¸íú¿ ¢ˆÅ¡¸¸ í¾, ¢¸¬¸ˆ½Å ˆÅ¸£µ¸ ™½¡¸÷¸¸ ‹¸’ú í¾ ‚¸¾£ ‚¸¦¬÷¸¡¸¸Ê ˆÅú œÏ¸¦œ÷¸ íºƒÄ í¾ ‚¸¾£
¢ˆÅ¬¸ú ž¸ú œ¸¢£¸¸¥¸›¸ ˆÅ¸½ œ¸»µ¸Ä ³Åœ¸ ¬¸½ ¤¸¿™ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ˆÅ¸½ƒÄ ¢›¸µ¸Ä¡¸ ›¸íú¿ ¢¥¸¡¸¸ í¾ ¢¸¬¸¬¸½ „œ¸¡¸ºÄÆ÷¸ œ¸£ œÏž¸¸¨¸ œ¸”õ½Š¸¸.
During the FY 2023-24, the Bank has not discontinued operations of any of its branches, which resulted in shedding of liability
and realisation of the assets and no decision has been finalised to discontinue an operation in its entirety which will have the
above effect.

10. ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ (‡‡¬¸-27) / Joint Ventures (AS-27)

¸¸¥¸» ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ Ÿ¸Ê ¤¸ÿˆÅ¸Ê ˆÅú ¢í¬¬¸½™¸£ú ©¸»›¡¸ ˜¸ú (¢œ¸Ž¥¸½ ¨¸«¸Ä ©¸»›¡¸).
Banks’ holding in joint venture during current FY was Nil (Previous Year Nil)

¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ›¸½ ‡¢¸¬¸ û½Å”½£¥¸ ¥¸¸ƒûÅ ƒ¿©¡¸¸½£Ê¬¸ ˆ¿Åœ¸›¸ú ¢¥¸. Ÿ¸Ê œ¸»£ú ¢í¬¬¸½™¸£ú (25%) ` 580 ˆÅ£¸½”õ ˆ½Å ¢¤¸ÇÅú œÏ¢÷¸ûÅ¥¸ Ÿ¸Ê ‡¢¸¬¸
ƒ¿©¡¸¸½£Ê¬¸ ƒ¿’£›¸½©¸›¸¥¸ ‡›¸¨¸ú ˆÅ¸½ ¤¸½¸ ™ú ˜¸ú, ¢¸¬¸ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ `380 ˆÅ£¸½”õ ˆÅ¸ ¥¸¸ž¸ íº‚¸.
During the Financial year 2022-23, Bank had sold entire stake (25%) in Ageas Federal Life Insurance Company Ltd. to Ageas
Insurance International NV for a sale consideration of ` 580 crore, resulting in profit of ` 380 crore.

‡‡¬¸-27 ˆÅú ‚œ¸½®¸¸›¸º¬¸¸£, ¬¸¿¡¸ºÆ÷¸ ³Åœ¸ ¬¸½ ¢›¸¡¸¿¢°¸÷¸ ¬¸¿¬˜¸¸ Ÿ¸Ê ¤¸ÿˆÅ ˆ½Å ¢í÷¸¸Ê ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ‚¸¦¬÷¸¡¸¸Ê, ™½¡¸÷¸¸‚¸Ê, ‚¸¡¸, ¨¡¸¡¸¸Ê, ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‚¸Ê ‚¸¾£ ¨¸¸›¸¤¸Ö÷¸¸‚¸Ê
ˆÅú œÏ÷¡¸½ˆÅ ˆÅú ˆºÅ¥¸ £¸¢©¸¡¸¸Ê ˆÅ¸ œÏˆÅ’›¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ œÏ¬÷¸º÷¸ í¾ À
As required by AS-27, the aggregate amount of each of the assets, liabilities, income, expenses, contingent liabilities and
commitments related to the Bank’s interests in jointly controlled entity are disclosed as under:

(` ˆÅ£¸½”õ) / (` Crore))
¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023
Particulars (¥¸½‰¸¸œ¸£ú¢®¸÷¸) (¥¸½‰¸¸œ¸£ú¢®¸÷¸)
March 31, 2024 March 31, 2023
(Audited) (Audited)

™½¡¸÷¸¸‡¿ / Liabilities
ƒ¦Æ¨¸’ú œ¸»¿¸ú / Equity Capital - -

¢£{¸¨¸Ä ‚¸¾£ ‚¢š¸©¸½«¸ / Reserves and Surplus - -

‚›¡¸ ™½¡¸÷¸¸‡¿ ‡¨¸¿ œÏ¸¨¸š¸¸›¸ / Other Liabilities & Provisions - -

ˆºÅ¥¸ / Total - -

‚¸¦¬÷¸¡¸¸¿ / Assets - -

›¸ˆÅ™ú ‚¸¾£ ¤¸ÿˆÅ ©¸½«¸ £¸¢©¸¡¸¸¿ / Cash and Bank Balances - -

¢›¸¨¸½©¸ / Investments - -

dm{f©H$ [anmoQ>© Annual Report 2023-24 429

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
(` ˆÅ£¸½”õ) / (` Crore))
¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023
Particulars (¥¸½‰¸¸œ¸£ú¢®¸÷¸) (¥¸½‰¸¸œ¸£ú¢®¸÷¸)
March 31, 2024 March 31, 2023
(Audited) (Audited)

‚¢ŠÏŸ¸ / Advances - -

¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸¿ / Fixed Assets - -

‚›¡¸ ‚¸¦¬÷¸¡¸¸¿/ Other Assets - -

ˆºÅ¥¸ / Total - -

œ¸»¿¸ú ¨¸¸›¸¤¸Ö÷¸¸‡¿ / Capital Commitments - -

‚›¡¸ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‡¿ / Other Contingent Liabilities - -

‚¸¡¸ / Income
‚¢¸Ä÷¸ ¤¡¸¸¸ / Interest Earned - 6

‚›¡¸ ‚¸¡¸ / Other income - 1

ˆºÅ¥¸ / Total - 7

¨¡¸¡¸ / Expenditure
¤¸úŸ¸¸ ˆÅ¸£¸½¤¸¸£ ¬¸½ í¸¢›¸ / Losses from Insurance Business - 0

œ¸¢£¸¸¥¸›¸Š¸÷¸ ¨¡¸¡¸ / Operating expenses - 2

œÏ¸¨¸š¸¸›¸ ‡¨¸¿ ‚¸ˆÅ¦¬Ÿ¸ˆÅ÷¸¸‡¿ / Provisions & Contingencies - 1

ˆºÅ¥¸ / Total - 3

¨¸«¸Ä ˆ½Å ¢¥¸‡ ¥¸¸ž¸/(í¸¢›¸) / Profit/(Loss) for the Year - 4

11. ‚¸¦¬÷¸ ݸ¬¸ (‡‡¬¸-28) / Impairment of Asset (AS-28)

œÏ¤¸¿š¸›¸ ˆÅú £¸¡¸ í¾ ¢ˆÅ ¸¸¥¸» ¨¸«¸Ä ‚¸¾£ ¢œ¸Ž¥¸½ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¸¦¬÷¸¡¸¸Ê Ÿ¸Ê ˆÅ¸½ƒÄ ݸ¬¸ ›¸íì íº‚¸ í¾.
In the opinion of the Management, there is no impairment to the assets during the current year and previous year.

12. ‚. ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‚¸Ê ˆÅ¸ ¢¨¸¨¸£µ¸ (‡‡¬¸-29)@

A. Description of Contingent Liabilities (AS-29)@

ÇÅ. ¬¸¿. ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸ ¬¸¿¢®¸œ÷¸ ¢¨¸¨¸£µ¸

Sr. No. Contingent Liability Brief description
I ¤¸ÿˆÅ ˆ½Å ¢¨¸²ÅÖ ™¸¨¸½ ¢¸›íÊ ˆÅ¸Ä ›¸íú¿ Ÿ¸¸›¸¸ ¡¸í Ÿ¸™ ¬¸¸Ÿ¸¸›¡¸ ˆÅ¸£¸½¤¸¸£ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¤¸ÿˆÅ ˆ½Å œÏ¢÷¸ ¢¨¸¢š¸ˆÅ Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê ˆÅú Š¸ƒÄ ˆÅ¢÷¸œ¸¡¸ Ÿ¸¸¿Š¸¸Ê ÷¸˜¸¸
Š¸¡¸¸ í¾. œ¸¢£¸¸¥¸›¸ Ÿ¸¸Ÿ¸¥¸¸Ê ¨¸ š¸¸½‰¸¸š¸”õú ˆ½Å Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê „÷œ¸››¸ ŠÏ¸íˆÅ ˆ½Å ™¸¨¸¸Ê ˆÅ¸½ ™©¸¸Ä÷¸ú í¾. ¤¸ÿˆÅ ˆÅ¸½ ‡½¬¸ú ˆÅ¸½ƒÄ
Claims against the Bank not ‚¸©¸¸ ›¸íú¿ í¾ ¢ˆÅ ƒ›¸ ˆÅ¸¡¸Ä¨¸¸¢í¡¸¸Ê ˆ½Å ˆÅ¸£µ¸ ¤¸ÿˆÅ ˆÅú ¢¨¸î¸ú¡¸ ¦¬˜¸¢÷¸, œ¸¢£¸¸¥¸›¸ œ¸¢£µ¸¸Ÿ¸¸Ê ¡¸¸ ›¸ˆÅ™ú œÏ¨¸¸í
acknowledged as debts œ¸£ ‚¸¢˜¸ÄˆÅ ³Åœ¸ ¬¸½ ˆÅ¸½ƒÄ Ÿ¸í÷¨¸œ¸»µ¸Ä ¢¨¸œ¸£ú÷¸ ‚¬¸£ œ¸”õ½Š¸¸.
This item represents certain demands made in legal matters against the Bank in
the normal course of business and customer claims arising in operational issues
and fraud cases. The Bank does not expect the outcome of these proceedings
to have a material adverse effect on the Bank’s financial conditions, results of
operations or cash flows.

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ÇÅ. ¬¸¿. ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸ ¬¸¿¢®¸œ÷¸ ¢¨¸¨¸£µ¸
Sr. No. Contingent Liability Brief description
II ‚¸¿¢©¸ˆÅ ³Åœ¸ ¬¸½ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ‡ Š¸‡ ¡¸í Ÿ¸™ ‚¸¿¢©¸ˆÅ ³Åœ¸ ¬¸½ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ‡ Š¸‡ ¢›¸¨¸½©¸¸Ê ˆ½Å ¢¥¸‡ ™½¡¸÷¸¸ ˆÅú ©¸½«¸ ‚™î¸ £¸¢©¸¡¸¸Ê ˆÅ¸½ ™©¸¸Ä÷¸ú í¾.
¢›¸¨¸½©¸¸Ê ˆ½Å ¢¥¸‡ ™½¡¸÷¸¸ ƒ¬¸Ÿ¸Ê „Ô¸Ÿ¸ œ¸»¿¸ú ¢›¸¢š¸¡¸¸Ê ˆ½Å ¢¥¸‡ ‚›¸¸í¢£÷¸ œÏ¢÷¸¤¸Ö÷¸¸‡¿ ž¸ú ©¸¸¢Ÿ¸¥¸ íÿ.
Liability for partly paid This item represents amounts remaining unpaid towards liability for partly paid
investments investments. This also includes undrawn commitments for Venture Capital Funds.

III ¤¸ˆÅ¸¡¸¸ ¨¸¸¡¸™¸ ¢¨¸¢›¸Ÿ¸¡¸ ¬¸¿¢¨¸™¸‚¸Ê ˆ½Å ¤¸ÿˆÅ ‚œ¸›¸½ ¬¸¸Ÿ¸¸›¡¸ ˆÅ¸£¸½¤¸¸£ ˆ½Å ‚¿÷¸Š¸Ä÷¸ Ÿ¸ºÍ¸‚¸Ê ˆ½Å ž¸¸¨¸ú ÷¸¸£ú‰¸ ˆÅ¸½ œ¸»¨¸Ä-¢›¸š¸¸Ä¢£÷¸ Ÿ¸»¥¡¸ œ¸£ ¢¨¸¢›¸Ÿ¸¡¸
ˆÅ¸£µ¸ ™½¡¸÷¸¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¬¸¿¢¨¸™¸‡Â ¢›¸«œ¸¸¢™÷¸ ˆÅ£÷¸¸ í¾. ¡¸í Ÿ¸™ ‡½¬¸ú íú ¬¸¿¢¨¸™¸‚¸Ê ¸¸½ ”½¢£¨¸½¢’¨¸
Liability on account of ¢¥¸‰¸÷¸ íÿ, ˆÅú ‚¸›¸ºŸ¸¸¢›¸ˆÅ Ÿ¸»¥¸ £¸¢©¸ ˆÅ¸½ ™©¸¸Ä÷¸ú í¾. ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆ½Å ¬¸¸˜¸ ¬¸¿¨¡¸¨¸í¸£ ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ¤¸ÿˆÅ
Outstanding forward exchange ¬¸¸Ÿ¸¸›¡¸÷¸À ‚¿÷¸£-¤¸ÿˆÅ ¤¸¸{¸¸£ Ÿ¸Ê ‚¸ÁûÅ-¬¸½¢’¿Š¸ ¬¸¿¨¡¸¨¸í¸£ ˆÅ£÷¸¸ í¾. ƒ¬¸ˆ½Å œ¸¢£µ¸¸Ÿ¸-¬¨¸³Åœ¸ ‚¢š¸ˆÅ
contracts
¬¸¿‰¡¸¸ Ÿ¸Ê ¤¸ˆÅ¸¡¸¸ ¬¸¿¨¡¸¨¸í¸£ í¸½÷¸½ íÿ ‚¸¾£ ƒ¬¸ˆ½Å ˆÅ¸£µ¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ¬¸¿¤¸¿š¸ú ¬¸ˆÅ¥¸ ˆÅ¦¥œ¸÷¸ Ÿ¸»¥¸š¸›¸ ˆÅ¸
¨¸¼íÙ Ÿ¸»¥¡¸ ¬¸¼¢¸÷¸ í¸½÷¸¸ í¾, ¸¤¸¢ˆÅ ƒ¬¸ˆÅ¸ ¢›¸¨¸¥¸ ¤¸¸{¸¸£ ¸¸½¢‰¸Ÿ¸ ˆÅŸ¸ í¸½÷¸¸ í¾.
The Bank enters into foreign exchange contracts in its normal course of business,
to exchange currencies at a pre-fixed price at a future date. This item represents
the notional principal amount of such contracts, which are derivative instruments.
With respect to the transactions entered into with its customers, the Bank
generally enters into off-setting transactions in the inter-Bank market. This results
in generation of a higher number of outstanding transactions and hence a large
value of gross notional principal of the portfolio, while the net market risk is lower.

IV ¬¸¿‹¸’ˆÅ¸Ê ˆÅú ‚¸½£ ¬¸½ ž¸¸£÷¸ Ÿ¸Ê ¨¸ ž¸¸£÷¸ ¬¸½ ‚œ¸›¸½ ¤¸ÿ¢ˆ¿ÅŠ¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê ˆ½Å ž¸¸Š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¤¸ÿˆÅ ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆÅú ‚¸½£ ¬¸½ Š¸¸£¿¢’¡¸¸¿ ¸¸£ú ˆÅ£÷¸¸ í¾.
¤¸¸í£ ™ú Š¸ƒÄ Š¸¸£¿¢’¡¸¸¿ Š¸¸£¿’ú ¬¸¸Ÿ¸¸›¡¸÷¸À ƒ¬¸ ‚œÏ¢÷¸¬¸¿í£µ¸ú¡¸ ‚¸æ¸¸¬¸›¸ ˆÅ¸½ œÏ™¢©¸Ä÷¸ ˆÅ£÷¸ú í¾ ¢ˆÅ ŠÏ¸íˆÅ ׸£¸ ‚œ¸›¸½ ¢¨¸î¸ú¡¸ ¡¸¸
Guarantees given on behalf of ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ™¸¢¡¸÷¨¸¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ Ÿ¸Ê ‚¬¸ûÅ¥¸ í¸½›¸½ œ¸£ ¤¸ÿˆÅ ž¸ºŠ¸÷¸¸›¸ ˆÅ£½Š¸¸.
constituents in India and outside As a part of its banking activities, the Bank issues guarantees on behalf of its
India customers. Guarantees generally represent irrevocable assurances that the
Bank will make payments in the event of customer failing to fulfill its financial or
performance obligations.

V ¬¨¸úˆ¼Å¢÷¸¡¸¸¿, œ¸¼«“¸¿ˆÅ›¸ ‚¸¾£ ‚›¡¸ ™¸¢¡¸÷¨¸ ¡¸í Ÿ¸™ ŠÏ¸íˆÅ ˆÅú †µ¸ ‚¨¸¦¬˜¸¢÷¸ Ÿ¸Ê ¬¸¿¨¸¼¢Ö ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸ˆÅ£ ¨¡¸¸œ¸¸£ ¢¨¸î¸ ¤¸ÿ¢ˆ¿ÅŠ¸ Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê ˆ½Å
Acceptances, endorsements ž¸¸Š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê, ¤¸ÿˆÅ ׸£¸ ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆÅú ÷¸£ûÅ ¬¸½ ‚›¡¸ œ¸®¸ˆÅ¸£¸Ê ˆ½Å œ¸®¸ Ÿ¸Ê ¸¸£ú ™¬÷¸¸¨¸½¸ú †µ¸¸Ê
and ˆÅ¸½ œÏ™¢©¸Ä÷¸ ˆÅ£÷¸ú í¾. ƒ›¸ ¢¥¸‰¸÷¸¸Ê ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¤¸ÿˆÅ ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆ½Å ™¸¢¡¸÷¨¸¸Ê ˆ½Å ¢¥¸‡ ¬¸úš¸½ ¡¸¸ ŠÏ¸íˆÅ
other obligations ׸£¸ ‚œ¸›¸½ ¢¨¸î¸ú¡¸ ¡¸¸ ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ™¸¢¡¸÷¨¸¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ Ÿ¸Ê ‚¬¸ûÅ¥¸ í¸½›¸½ œ¸£ ž¸ºŠ¸÷¸¸›¸ ˆÅú ¢¸ŸŸ¸½™¸£ú
¥¸½÷¸¸ í¾.
This item represents the documentary credits issued by the Bank in favour of third
parties on behalf of its customers, as part of its trade finance banking activities with
a view to augment the customers’ credit standing. Through these instruments, the
Bank undertakes to make payments for its customers’ obligations, either directly
or in case the customer fails to fulfil their financial or performance obligations.

VI ¤¡¸¸¸ ™£ ‡¨¸¿ Ÿ¸ºÍ¸ ‚™¥¸¸-¤¸™¥¸ú ÷¸˜¸¸ ¡¸í Ÿ¸™ ¢¨¸¢¨¸š¸ ”½¢£¨¸½¢’¨¸ ¢¥¸‰¸÷¸¸Ê ˆÅú ˆÅ¦¥œ¸÷¸ Ÿ¸»¥¸ £¸¢©¸ ˆÅ¸½ ™©¸¸Ä÷¸ú í¾ ¢¸¬¸ˆÅ¸ ™¸¢¡¸÷¨¸ ¤¸ÿˆÅ ‚œ¸›¸½
†µ¸ ¸»ˆÅ ‚™¥¸¸-¤¸™¥¸ú ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¬¸¸Ÿ¸¸›¡¸ ˆÅ¸£¸½¤¸¸£ ˆ½Å ÇÅŸ¸ Ÿ¸Ê „“¸÷¸¸ í¾. ¤¸ÿˆÅ ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ¡¸½ ¡¸¸½¸›¸¸‡¿ „›íÊ ‚œ¸›¸½ ¢¨¸™½©¸ú Ÿ¸ºÍ¸
™½¡¸÷¸¸ ¢¨¸¢›¸Ÿ¸¡¸ ‚¸¾£ ¤¡¸¸¸ ™£ ¸¸½¢‰¸Ÿ¸¸Ê ˆÅ¸½ ‚¿÷¸¢£÷¸ ˆÅ£›¸½, ¬¸¿©¸¸½¢š¸÷¸ ˆÅ£›¸½ ¡¸¸ ˆÅŸ¸ ˆÅ£›¸½ Ÿ¸Ê ¬¸®¸Ÿ¸ ¤¸›¸¸›¸½ ˆ½Å
Liability in respect of interest ¢¥¸‡ œÏ¬÷¸¸¢¨¸÷¸ ˆÅ£÷¸¸ í¾. ¤¸ÿˆÅ ‚œ¸›¸ú ¤¡¸¸¸ ™£ ‚¸¾£ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¦¬˜¸¢÷¸¡¸¸Ê ˆ½Å œÏ¤¸¿š¸›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ž¸ú
rate and currency swaps and ¡¸½ ¬¸¿¢¨¸™¸‡¿ ˆÅ£÷¸¸ í¾. ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆ½Å ¬¸¸˜¸ ¬¸¿¨¡¸¨¸í¸£ ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ¤¸ÿˆÅ ¬¸¸Ÿ¸¸›¡¸÷¸À ‚¿÷¸£-¤¸ÿˆÅ ¤¸¸{¸¸£
credit default swaps.
Ÿ¸Ê ‚¸ÁûÅ-¬¸½¢’¿Š¸ ¬¸¿¨¡¸¨¸í¸£ ˆÅ£÷¸¸ í¾. ƒ¬¸ˆ½Å œ¸¢£µ¸¸Ÿ¸-¬¨¸³Åœ¸ ‚¢š¸ˆÅ ¬¸¿‰¡¸¸ Ÿ¸Ê ¤¸ˆÅ¸¡¸¸ ¬¸¿¨¡¸¨¸í¸£ í¸½÷¸½
íÿ ‚¸¾£ ƒ¬¸ˆ½Å ˆÅ¸£µ¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ¬¸¿¤¸¿š¸ú ¬¸ˆÅ¥¸ ˆÅ¦¥œ¸÷¸ Ÿ¸»¥¸š¸›¸ ˆÅ¸ ¨¸¼íÙ Ÿ¸»¥¡¸ „÷œ¸››¸ í¸½÷¸¸ í¾, ¸¤¸¢ˆÅ
¢›¸¨¸¥¸ ¤¸¸{¸¸£ ¸¸½¢‰¸Ÿ¸ ˆÅŸ¸ í¸½÷¸¸ í¾.

dm{f©H$ [anmoQ>© Annual Report 2023-24 431

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
ÇÅ. ¬¸¿. ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸ ¬¸¿¢®¸œ÷¸ ¢¨¸¨¸£µ¸
Sr. No. Contingent Liability Brief description
This item represents the notional principal amount of various derivative instruments
which the Bank undertakes in its normal course of business. The Bank offers these
products to its customers to enable them to transfer modify or reduce their foreign
exchange and interest rate risks. The Bank also undertakes these contracts to
manage its own interest rate and foreign exchange positions. With respect to the
transactions entered into with its customers, the Bank generally enters into off-
setting transactions in the inter-Bank market. This results in generation of a higher
number of outstanding transactions and hence a large value of gross notional
principal of the portfolio, while the net market risk is lower.
ž¸¸£÷¸ú¡¸ ˆÅ¸Á£œ¸¸½£½’ ¤¸¸Áµ”¸½¿ ¬¸½ ¬¸¿¤¸Ö †µ¸ ¸¸½¢‰¸Ÿ¸¸½¿ ˆ½Å œÏ¤¸¿š¸ ˆ½Å ¢¥¸‡ ¤¸¾¿ˆÅ †µ¸ ¸»ˆÅ ‚™¥¸¸-¤¸™¥¸ú
(¬¸ú”ú‡¬¸) ¥¸½›¸-™½›¸ ˆÅ£÷¸¸ í¾.
The Bank underwrites Credit Default Swap (CDS) transaction for managing credit
risks associated with Indian Corporate Bonds.
VII ‚›¡¸ ”½¢£¨¸½¢’¨¸ ¬¸¿¢¨¸™¸‚¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¡¸í Ÿ¸™ ¢¨¸¢¨¸š¸ Ÿ¸ºÍ¸ ¢¨¸ˆÅ¥œ¸¸Ê ˆÅú ˆÅ¦¥œ¸÷¸ Ÿ¸»¥¸ £¸¢©¸ ˆÅ¸½ ™©¸¸Ä÷¸ú í¾ ¢¸¬¸ˆÅ¸ ™¸¢¡¸÷¨¸ ¤¸ÿˆÅ ‚œ¸›¸½ ¬¸¸Ÿ¸¸›¡¸
™½¡¸÷¸¸ ˆÅ¸£¸½¤¸¸£ ˆ½Å ÇÅŸ¸ Ÿ¸Ê „“¸÷¸¸ í¾. ¤¸ÿˆÅ ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ¡¸½ ¡¸¸½¸›¸¸‡¿ „›íÊ ‚œ¸›¸½ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¢¨¸¢›¸Ÿ¸¡¸
Liability in respect of other ¸¸½¢‰¸Ÿ¸¸Ê ˆÅ¸½ ˆÅŸ¸ ˆÅ£›¸½ Ÿ¸Ê ¬¸®¸Ÿ¸ ¤¸›¸¸›¸½ ˆ½Å ¢¥¸‡ ‚¸ÁûÅ£ ˆÅ£÷¸¸ í¾. ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆ½Å ¬¸¸˜¸ ¬¸¿¨¡¸¨¸í¸£ ˆ½Å
derivative contracts. Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ¤¸ÿˆÅ ¬¸¸Ÿ¸¸›¡¸÷¸À ‚¿÷¸£-¤¸ÿˆÅ ¤¸¸{¸¸£ Ÿ¸Ê ‚¸ÁûÅ-¬¸½¢’¿Š¸ ¬¸¿¨¡¸¨¸í¸£ ˆÅ£÷¸¸ í¾. ƒ¬¸ˆ½Å œ¸¢£µ¸¸Ÿ¸-
¬¨¸³Åœ¸ ‚¢š¸ˆÅ ¬¸¿‰¡¸¸ Ÿ¸Ê ¤¸ˆÅ¸¡¸¸ ¬¸¿¨¡¸¨¸í¸£ „÷œ¸››¸ í¸½÷¸½ íÿ, ¸¤¸¢ˆÅ ¢›¸¨¸¥¸ ¤¸¸{¸¸£ ¸¸½¢‰¸Ÿ¸ ˆÅŸ¸ í¸½÷¸¸ í¾.
This item represents the notional principal amount of various currency options
which the Bank undertakes in its normal course of business. The Bank offers
these products to its customers to enable them to reduce their foreign exchange
risks. With respect to the transactions entered into with its customers, the Bank
generally enters into off-setting transactions in the inter-Bank market. This results
in generation of a higher number of outstanding transactions, while the net market
risk is lower.
VIII ¢¨¸¨¸¸¢™÷¸ ˆÅ£, ¤¡¸¸¸ ˆÅ£, ™¿” ‡¨¸¿ ¤¡¸¸¸ ¤¸ÿˆÅ ¢¨¸¸¸£¸š¸ú›¸ ‚œ¸ú¥¸¸Ê ¬¸¿¤¸¿š¸ú ¢¨¸¢¨¸š¸ ˆÅ£¸š¸¸›¸ Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê œ¸®¸ˆÅ¸£ í¾. ¤¸ÿˆÅ ‚¸©¸¸ ˆÅ£÷¸¸ í¾ ¢ˆÅ Ÿ¸¸Ÿ¸¥¸¸Ê ˆ½Å
Ÿ¸¸¿Š¸ ˆ½Å ˆÅ¸£µ¸ ™½¡¸÷¸¸ ÷¸˜¡¸¸Ê ‚¸¾£ ‚¸¡¸ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸, 1961 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ‡¨¸¿ ¥¸¸Š¸» ˆÅ¸›¸»›¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ‚œ¸ú¥¸ œÏ¸¢š¸ˆÅ¸¢£¡¸¸Ê
Liability on account of disputed ׸£¸ ¢œ¸Ž¥¸½ ¨¸«¸¸½ô Ÿ¸Ê ‡½¬¸½ Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê ¢™‡ Š¸‡ ¢›¸µ¸Ä¡¸¸Ê, ‚›¸ºˆ»Å¥¸ ›¡¸¸¢¡¸ˆÅ œ¸»¨¸Ä ¢›¸µ¸Ä¡¸¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ƒ›¸
taxes, interest tax, penalty and ‚œ¸ú¥¸¸Ê ˆ½Å ž¸ú ¢›¸µ¸Ä¡¸ ‚›¸ºˆ»Å¥¸ í¸ÊŠ¸½.
Interest demands The Bank is a party to various taxation matters in respect of which appeals are
pending. The Bank expects the outcome of the appeals to be favorable based
on decisions on similar issues in the previous years by the appellate authorities,
based on the facts of the case and the provisions of Income Tax Act, 1961 and
applicable laws.
IX ‚›¡¸ Ÿ¸™Ê, ¢¸›¸ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ƒ¬¸ Ÿ¸™ Ÿ¸Ê ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ©¸¸¢Ÿ¸¥¸ íÿÀ
³Åœ¸ ¬¸½ ™¸¡¸ú í¾ This item represents the following
Others items for which the Bank ˆÅ) ¬¸¸Ÿ¸¸›¡¸ ˆÅ¸£¸½¤¸¸£ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸ ˆ½Å ž¸¸Š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¤¸ÿˆÅ ׸£¸ ¬¨¸¡¸¿ ‚œ¸›¸ú ‚¸½£ ¬¸½ ¬¸¸¿¢¨¸¢š¸ˆÅ
is contingently liable
œÏ¸¢š¸ˆÅ¸¢£¡¸¸Ê ÷¸˜¸¸ ‚›¡¸ ˆ½Å œ¸®¸ Ÿ¸Ê ¸¸£ú ˆÅú Š¸ƒô Š¸¸£¿¢’¡¸¸¿.
a) guarantees issued by the Bank in favour of statutory authorities and others
on its own behalf, as part of normal business activity.
‰¸) ¸Ÿ¸¸ˆÅ÷¸¸Ä ¢©¸®¸µ¸ ‡¨¸¿ ¸¸Š¸³ÅˆÅ÷¸¸ ¢›¸¢š¸ (”úƒÄ‡‡ûÅ) Ÿ¸Ê ‚¿÷¸¢£÷¸ £¸¢©¸ - ¸Ÿ¸¸ˆÅ÷¸¸Ä
¢©¸®¸µ¸ ‡¨¸¿ ¸¸Š¸³ÅˆÅ÷¸¸ ¢›¸¢š¸ ¡¸¸½¸›¸¸ 2014 ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¤¸ÿˆÅ ¡¸¸½¸›¸¸ Ÿ¸Ê
¢¨¸¢›¸¢™Ä«’ ‚›¸º¬¸¸£ ™¬¸ ¨¸«¸¸½ô ¡¸¸ „¬¸¬¸½ ‚¢š¸ˆÅ ¬¸Ÿ¸¡¸ ¬¸½ ¢›¸¦«ÇÅ¡¸ ‰¸¸÷¸¸Ê Ÿ¸Ê œ¸”õú £¸¢©¸ ‚¸¾£ ™¸¨¸¸
›¸ ˆÅú Š¸ƒÄ ©¸½«¸ £¸¢©¸ ÷¸˜¸¸ „¬¸ œ¸£ ‚¢¸Ä÷¸ ¤¡¸¸¸ ˆÅ¸½ ‚Š¸¥¸½ Ÿ¸íú›¸½ ˆ½Å ‚¿¢÷¸Ÿ¸ ˆÅ¸¡¸Ä ¢™¨¸¬¸ œ¸£
‚¿÷¸¢£÷¸ ˆÅ£÷¸¸ í¾. ¡¸¢™ ŠÏ¸íˆÅ/ ¸Ÿ¸¸ˆÅ÷¸¸Ä ‚œ¸›¸ú ‚™¸¨¸ú £¸¢©¸/ ¸Ÿ¸¸ ˆ½Å ¢¥¸‡ Ÿ¸¸¿Š¸ ˆÅ£÷¸½ íÿ,
¢¸¬¸½ ¤¸ÿˆÅ ›¸½ ”úƒÄ‡ ¢›¸¢š¸ ¡¸¸½¸›¸¸ ˆ½Å ‚›¸º¬¸¸£, œ¸í¥¸½ íú ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆÅ¸½ ‚¿÷¸¢£÷¸ ˆÅ£ ¢™¡¸¸ í¾, ¤¸ÿˆÅ
ŠÏ¸íˆÅ/ ¸Ÿ¸¸ˆÅ÷¸¸Ä ˆÅ¸½ ¤¡¸¸¸ ¬¸¢í÷¸, ¡¸¢™ ¥¸¸Š¸» í¸½, ž¸ºŠ¸÷¸¸›¸ ˆÅ£÷¸¸ í¾ ‚¸¾£ ŠÏ¸íˆÅ / ¸Ÿ¸¸ˆÅ÷¸¸Ä ˆÅ¸½
ž¸ºŠ¸÷¸¸›¸ ˆÅú Š¸ƒÄ £¸¢©¸ ˆ½Å ¬¸Ÿ¸÷¸º¥¡¸ £¸¢©¸ ˆ½Å ¢¥¸‡ ¢£{¸¨¸Ä ¤¸ÿˆÅ ¬¸½ ¨¸¸œ¸¬¸ú ˆ½Å ¢¥¸‡ ™¸¨¸¸ ˆÅ£÷¸¸ í¾.

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Schedules to the Financial Statements
ÇÅ. ¬¸¿. ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸ ¬¸¿¢®¸œ÷¸ ¢¨¸¨¸£µ¸
Sr. No. Contingent Liability Brief description
b) The amount transferred to Depositor Education and Awareness Fund
(DEAF) - In terms of guidelines of Depositor Education and Awareness Fund
Scheme 2014, the Bank transfers the proceeds of the inoperative accounts
and the balances remaining unclaimed for ten years or more as specified in
the scheme and the interest accrued thereon, on the last working day of the
subsequent month. In case the customer / depositor(s) raises a demand for
their unclaimed amount / deposit which the Bank has already transferred to
RBI, as per DEA Fund Scheme, the Bank pays to the customer / depositor,
along with interest, if applicable, and lodge a claim for refund from RBI for
an equivalent amount paid to the customer / depositor.
Š¸) œ¸»¿¸ú ‰¸¸÷¸½ Ÿ¸Ê ¢›¸«œ¸¸™›¸ ˆ½Å ¢¥¸‡ ©¸½«¸ ‚¸¾£ œÏ¸¨¸š¸¸›¸ ›¸ ˆÅú Š¸ƒÄ ¬¸¿¢¨¸™¸‚¸Ê ˆÅú ‚›¸ºŸ¸¸¢›¸÷¸ £¸¢©¸,
‚›¸¸í¢£÷¸ ‚¸¿¢©¸ˆÅ †µ¸ ¬¸¿¨¸¼¢Ö ¬¸º¢¨¸š¸¸‡¿, ¸¤¸ ¸¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸¿, œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ¸¸£ú í¸½›¸½ ÷¸ˆÅ,
‚¸¢™.
c) Estimated amount of contracts remaining to be executed on capital account
and not provided for, undrawn partial credit enhancement facilities, When
Issued Securities till issue of securities etc.

‚¸. ™ú‹¸¸Ä¨¸¢š¸ ¬¸¿¢¨¸™¸‡¿

B. Long term contracts

¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ‡ˆÅ œÏ¢ÇÅ¡¸¸ í¾ ¢¸¬¸Ÿ¸Ê ‚¸¨¸¢š¸ˆÅ ‚¸š¸¸£ œ¸£ ”½¢£¨¸½¢’¨¸ ¬¸¿¢¨¸™¸‚¸Ê ¬¸¢í÷¸ ¬¸ž¸ú ™ú‹¸¸Ä¨¸¢š¸ ¬¸¿¢¨¸™¸‚¸Ê ˆÅ¸ „¥¥¸½‰¸›¸ú¡¸ œ¸»¨¸¸Äž¸¸«¸ú í¸¢›¸¡¸¸Ê ˆ½Å ¢¥¸‡ Ÿ¸»¥¡¸¸¿ˆÅ›¸
¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê ¤¸ÿˆÅ ›¸½ ƒ¬¸ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅú ÷¸˜¸¸ ¬¸º¢›¸¢ä¸÷¸ ¢ˆÅ¡¸¸ ¢ˆÅ ”½¢£¨¸½¢’¨¸ ¬¸¿¢¨¸™¸‚¸Ê ¬¸¢í÷¸ ‡½¬¸½ ™ú‹¸¸Ä¨¸¢š¸ ¬¸¿¢¨¸™¸‚¸Ê œ¸£ „¥¥¸½‰¸›¸ú¡¸ œ¸»¨¸¸Äž¸¸«¸ú
í¸¢›¸ ˆ½Å ¢¥¸‡ ¥¸½‰¸¸ ¤¸¢í¡¸¸Ê Ÿ¸Ê ¢ˆÅ¬¸ú ¢¨¸¢š¸ / ¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‚œ¸½¢®¸÷¸ ‚›¸º¬¸¸£ œ¸¡¸¸Äœ÷¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ‡ Š¸‡ íÿ.
The Bank has a process whereby periodically all long term contracts including derivative contracts are assessed for material
foreseeable losses. At the year end, the Bank has reviewed and ensured that adequate provision as required under any law/
accounting standards for material foreseeable losses on such long term contracts including derivative contracts has been made
in the books of account.

ƒ. ¥¸¿¢¤¸÷¸ Ÿ¸ºˆÅ™Ÿ¸½¿
C. Pending litigations

¤¸ÿˆÅ ˆ½Å ¥¸¿¢¤¸÷¸ Ÿ¸ºˆÅ™Ÿ¸¸Ê Ÿ¸Ê Ÿ¸º‰¡¸ ³Åœ¸ ¬¸½ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê, ŠÏ¸íˆÅ¸Ê ׸£¸ ¤¸ÿˆÅ ˆ½Å œÏ¢÷¸ ¢ˆÅ‡ Š¸‡ ™¸¨¸½ ‚¸¾£ ‚¸¡¸ˆÅ£ œÏ¸¢š¸ˆÅ¸¢£¡¸¸Ê ˆ½Å œ¸¸¬¸ ¥¸¿¢¤¸÷¸ ˆÅ¸¡¸Ä¨¸¸¢í¡¸¸Â ©¸¸¢Ÿ¸¥¸ íÿ.
¤¸ÿˆÅ ›¸½ ‚œ¸›¸½ ¬¸ž¸ú ¥¸¿¢¤¸÷¸ Ÿ¸ºˆÅ™Ÿ¸¸Ê ‚¸¾£ ˆÅ¸¡¸Ä¨¸¸¢í¡¸¸Ê ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅú ‚¸¾£ ¸í¸¿ œÏ¸¨¸š¸¸›¸ ‚œ¸½¢®¸÷¸ í¾ ¨¸í¸Â œ¸¡¸¸Äœ÷¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ‡ íÿ ÷¸˜¸¸ ‚œ¸›¸½ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê
¸í¸¿ ¥¸¸Š¸» í¾ ¨¸í¸Â ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‚¸Ê ˆÅ¸ œÏˆÅ’›¸ ¢ˆÅ¡¸¸ í¾.
The Bank’s pending litigations comprise of claims against the Bank primarily by the borrowers, customers and proceedings
pending with Income Tax authorities. The Bank has reviewed all its pending litigations and proceedings and has adequately
provided for where provisions are required and disclosed the contingent liabilities where applicable, in its financial statements.

@ Ÿ¸¸°¸¸÷Ÿ¸ˆÅ œÏˆÅ’›¸ ˆ½Å ¢¥¸‡ ‚›¸º¬¸»¸ú-12 ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‡¿ ™½‰¸Ê.

@ Refer Schedule-12- Contingent Liabilities for quantitative disclosure.

ƒÄÄ. ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‚¸½¿ ˆ½Å œÏ¢÷¸ œÏ¸¨¸š¸¸›¸ Ÿ¸½¿ ‹¸’-¤¸õ

D. Movement of provision against Contingent Liabilities
(` ˆÅ£¸½”õ) / (` Crore)
ÇÅ. ¬¸¿. ¢¨¸¨¸£µ¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23
Sr. No. Particulars FY 2023-24 FY 2022-23
‚) / a) œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening Balance 178 115

‚¸) / b) ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¸¸½”õ /(¢£¨¸¬¸Ä¥¸) / Addition/ (reversal) during the year 63 63

ƒ) / c) ‚¿¢÷¸Ÿ¸ ©¸½«¸ / Closing Balance 241 178

dm{f©H$ [anmoQ>© Annual Report 2023-24 433

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
C. ‚›¡¸ œÏˆÅ’›¸ / OTHER DISCLOSURES
I. ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ¸½ƒÄ ž¸ú ƒ¢Æ¨¸’ú ©¸½¡¸£ ˆÅ¸½ ‚¢š¸Ÿ¸¸›¸ ‚¸š¸¸£ œ¸£ ‚¸¨¸¿¢’÷¸ ›¸íì ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸ (¢œ¸Ž¥¸½ ¨¸«¸Ä ©¸»›¡¸).
During the year no Equity Shares were allotted on preferential basis (Previous year Nil).

II. ž¸¸£ŠÏ¬÷¸ ‚¸¦¬÷¸ ¦¬˜¸£úˆÅ£µ¸ ¢›¸¢š¸ (‡¬¸‡‡¬¸‡ûÅ) / Stressed Assets Stabilisation Fund (SASF)
ž¸¸£÷¸ ¬¸£ˆÅ¸£ (¸ú‚¸½‚¸ƒÄ) ›¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 Ÿ¸Ê Šö¸¾£-¤¡¸¸¸ ¨¸¸¥¸ú ž¸¸£÷¸ ¬¸£ˆÅ¸£ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¢¨¸©¸½«¸ œÏ¢÷¸ž¸»¢÷¸ 2024 ˆ½Å ¬¸Ÿ¸¡¸-œ¸»¨¸Ä Ÿ¸¸½¸›¸ ˆ½Å ¢¥¸‡
` 206 ˆÅ£¸½”õ Ÿ¸¸½¢¸÷¸ ¢ˆÅ¡¸¸. ÷¸™›¸º¬¸¸£ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‡¬¸‡‡¬¸‡ûÅ ©¸½«¸ ` 673 ˆÅ£¸½”õ ˜¸¸ ‚¸¾£ œ¸»£ú ÷¸£í œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸
¢œ¸Ž¥¸½ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ›¸½ ` 1500 ˆÅ£¸½”õ ˆÅú ¬¸úŸ¸¸ ÷¸ˆÅ ‡¬¸‡‡¬¸‡ûÅ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅ¸½ ¤¸’Ã’½ ‰¸¸÷¸½ Ÿ¸Ê ”¸¥¸ ¢™¡¸¸ ˜¸¸.
The Government of India (GOI) redeemed ` 206 crore for pre-mature redemption of non-interest-bearing Govt. of India IDBI
Special Securities 2024 in Financial Year 2023-24. Accordingly, SASF balance as on March 31, 2024 was ` 673 crore and
stands fully provided. During Previous year ended March 31, 2023, Bank had written off SASF securities to the extent of ` 1500
crore.

III. ˆÅ¸Á£œ¸¸½£½’ ¬¸¸Ÿ¸¸¢¸ˆÅ ™¸¢¡¸÷¨¸ (¬¸ú‡¬¸‚¸£) ¨¡¸¡¸ / Corporate Social Responsibility (CSR) expenditure
ˆÅ. 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ¸Á£œ¸¸½£½’ ¬¸¸Ÿ¸¸¢¸ˆÅ „™¸¢¡¸÷¨¸ (¬¸ú‡¬¸‚¸£) ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê œ¸£ ¤¸ÿˆÅ ׸£¸ ‰¸¸Ä ˆÅú ¸¸›¸½ ¨¸¸¥¸ú
¬¸ˆÅ¥¸ £¸¢©¸ ` 74.09 ˆÅ£¸½”õ ˜¸ú. ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023 ‚¸¾£ 2022 ˆ½Å ™¸¾£¸›¸ ¬¸ú‡¬¸‚¸£ Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê œ¸£ ›¡¸»›¸÷¸Ÿ¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ¬¸½ ‚¢š¸ˆÅ ‰¸¸Ä ˆÅú Š¸ƒÄ
` 1.62 ˆÅ£¸½”õ ˆÅú £¸¢©¸ ˆÅ¸ ¬¸Ÿ¸¸¡¸¸½¸›¸ ˆÅ£›¸½ ˆ½Å ¤¸¸™, ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ¢¥¸‡ ¬¸ú‡¬¸‚¸£ ¤¸¸’ ` 72.47 ˆÅ£¸½”õ í¸½ Š¸¡¸¸. ¢œ¸Ž¥¸½ ¨¸«¸Ä ` ©¸»›¡¸
˜¸¸.
a. The gross amount required to be spent by the Bank on Corporate Social Responsibility (CSR) related activities during the
year ended March 31, 2024, was ` 74.09 crore. Post setting off an amount of `1.62 crore spent on CSR activities during
FY 2023 & 2022 over and above the minimum requirements, the CSR budget for FY 2023-24 amounted to ` 72.47 crore.
Previous year ` Nil.

‰¸. ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¥¸Š¸ ¬¸ú‡¬¸‚¸£ ‚¨¡¸¢¡¸÷¸ ‰¸¸÷¸½ Ÿ¸Ê ‰¸¸Ä/‚¿÷¸¢£÷¸ ˆÅú Š¸ƒÄ £¸¢©¸ ›¸ú¸½ ™ú Š¸ƒÄ í¾À
b. Amount spent/ transferred to separate CSR unspent account during the year is given below:

- ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ÷¸¸¢¥¸ˆÅ¸ Ÿ¸Ê, ™©¸¸Ä‡ Š¸‡ ¨¸«¸¸½ô ˆ½Å ¢¥¸‡, ¤¸ÿˆÅ ׸£¸ ¬¸ú‡¬¸‚¸£ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê œ¸£ ‰¸¸Ä £¸¢©¸ ™©¸¸ÄƒÄ Š¸ƒÄ í¾.
- The following table sets forth, for the years indicated, the amount spent by the Bank on CSR related activities.
(` ˆÅ£¸½”õ) / (` Crore)

¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23

March 2023-24 March 2022-23
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¥¸Š¸ ˆºÅ¥¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¥¸Š¸ ˆºÅ¥¸
¢ˆÅ¡¸¸ Š¸¡¸¸ ‰¸¸Ä ¬¸ú‡¬¸‚¸£ Total ¢ˆÅ¡¸¸ Š¸¡¸¸ ‰¸¸Ä ¬¸ú‡¬¸‚¸£ Total
Sl. ¢¨¸¨¸£µ¸ Spent Spent
No.
‚¨¡¸¢¡¸÷¸ ‰¸¸÷¸½ ‚¨¡¸¢¡¸÷¸ ‰¸¸÷¸½
Particulars during the during the
Ÿ¸½¿ ‚¿÷¸¢£÷¸ Ÿ¸½¿ ‚¿÷¸¢£÷¸
year year
Transferred Transferred
to separate to separate
CSR CSR
unspent a/c unspent a/c
1. ¢ˆÅ¬¸ú ‚¸¦¬÷¸ ˆÅ¸ ¢›¸Ÿ¸¸Äµ¸/ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
‚¢š¸ŠÏíµ¸
Construction /
acquisition of any
asset
2. „œ¸£¸½Æ÷¸ (1) ˆ½Å ‚¥¸¸¨¸¸ 39.24 25.62 64.86 ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
‚›¡¸ „Ó½©¡¸ ˆ½Å ¢¥¸‡
On purpose other
than (1) above

- ` 7.61 ˆÅ£¸½”õ ˆÅú ‚¬¨¸úˆ¼Å÷¸ £¸¢©¸ 30 ¢¬¸÷¸¿¤¸£ 2024 ˆÅ¸½ ¡¸¸ „¬¸¬¸½ œ¸í¥¸½ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú ‚›¸º¬¸»¸ú VII Ÿ¸Ê ¢›¸¢™Ä«’ ¬¨¸úˆÅ¸¡¸Ä
¢›¸¢š¸(¡¸¸½¿) Ÿ¸Ê ‚¿÷¸¢£÷¸ ˆÅ£ ¢™¡¸¸ ¸¸‡Š¸¸.

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Corporate Overview Statutory Reports Financial Statements

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Financial Statements
- The unsanctioned amount of ` 7.61 crore shall be transferred to the admissible fund(s) specified in Schedule VII
of the Companies Act, 2013, on or before September 30, 2024.
- ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ÷¸¸¢¥¸ˆÅ¸ Ÿ¸Ê ¸¥¸ £íú œ¸¢£¡¸¸½¸›¸¸‚¸Ê ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ‚¥¸Š¸ ¬¸ú‡¬¸‚¸£ ‚¨¡¸¢¡¸÷¸ ‰¸¸÷¸½ Ÿ¸Ê ‚¿÷¸¢£÷¸ ˆÅú Š¸ƒÄ £¸¢©¸ ˆÅ¸ ¬¸¸£¸¿©¸ ¢™¡¸¸ Š¸¡¸¸ í¾À
- The following table sets forth the summary of amount pertaining to ongoing projects transferred to separate CSR
unspent account:
(` ˆÅ£¸½”õ) / (` Crore)
¨¸«¸Ä ‚¥¸Š¸ ¬¸ú‡¬¸‚¸£ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‰¸¸Ä ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‰¸¸Ä ˆÅú Š¸ƒÄ £¸¢©¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¥¸Š¸ ¬¸ú‡¬¸‚¸£
Year ‚¨¡¸¢¡¸÷¸ ‰¸¸÷¸½ Ÿ¸½¿ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú Amount spent during the year ‚¥¸Š¸ ¬¸ú‡¬¸‚¸£ ‚¨¡¸¢¡¸÷¸ ‰¸¸÷¸½ Ÿ¸½¿
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ ‚œ¸½¢®¸÷¸ £¸¢©¸ ¤¸ÿˆÅ ˆ½Å ‰¸¸÷¸½ ¬¸½ ‚¥¸Š¸ ¬¸ú‡¬¸‚¸£ ‚¨¡¸¢¡¸÷¸ ‰¸¸÷¸½ Ÿ¸½¿ ‚¿¢÷¸Ÿ¸ ©¸½«¸
Opening Amount From ‚¨¡¸¢¡¸÷¸ ‰¸¸÷¸½ ¬¸½ ‚¿÷¸¢£÷¸ £¸¢©¸ Closing
Balance in required to be Bank’s A/c From Separate Amount Balance
Separate CSR spent during CSR Unspent transferred to in Separate
Unspent A/c the year A/c Separate CSR CSR
unspent A/c Unspent A/c
during the year
¢¨¸.¨¸. 23 / FY 23 ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
¢¨¸.¨¸. 24 / FY 24 ©¸»›¡¸ / Nil 72.47 39.24 0 25.62 ©¸»›¡¸ / Nil
Š¸. ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ÷¸¸¢¥¸ˆÅ¸, ™©¸¸Ä‡ Š¸‡ ¨¸«¸¸½ô ˆ½Å ¢¥¸‡, ¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ (‡‡¬¸)18 ¬¸¿¤¸¿¢š¸÷¸ œ¸®¸ˆÅ¸£ œÏˆÅ’úˆÅ£µ¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¬¸ú‡¬¸‚¸£ ¬¸¿¤¸Ö Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê
¬¸½ ¬¸¿¤¸¿¢š¸÷¸ œ¸®¸ˆÅ¸£ ¥¸½›¸™½›¸¸Ê ˆÅ¸ ¢¨¸¨¸£µ¸ œÏ¬÷¸º÷¸ ˆÅ£÷¸ú í¾.
c. The following table sets forth, for the years indicated, the details of related party transactions pertaining to CSR related
activities as per Accounting Standard (AS) 18, Related Party Disclosures.

Sl. ¬¸¿¤¸¿¢š¸÷¸ œ¸®¸ 31 Ÿ¸¸¸Ä 2024/ 31 Ÿ¸¸¸Ä 2023/

No. Related Party March 31, 2024 March 31, 2023
1 ``£ú¨¸¸¡¸’¥¸¸ƒ¢¸¿Š¸ ƒ››¸¸½¨¸½©¸›¸ ûŸÁ£ ¬¸¬¸’½›¸½¤¸¥¸ ƒ¿’£œÏ¸ƒ¸½¸ ` 6.96 ˆÅ£¸½”õ (ƒ¬¸Ÿ¸Ê ¸¸¥¸» œ¸¢£¡¸¸½¸›¸¸‚¸Ê ©¸»›¡¸ / Nil
(£¸ƒ¸)'' œ¸¢£¡¸¸½¸›¸¸ ˆ½Å ¢¥¸‡ ž¸¸£÷¸ú¡¸ „Ô¸¢Ÿ¸÷¸¸ ¢¨¸ˆÅ¸¬¸ ˆ½Å ¢¥¸‡ `¢¨¸.¨¸. 2023-24 ˆ½Å ¢¥¸‡
¬¸¿¬˜¸¸›¸ (ƒÄ”ú‚¸ƒÄ‚¸ƒÄ) ‚¨¡¸¢¡¸÷¸ ¬¸ú‡¬¸‚¸£ ‰¸¸÷¸¸' Ÿ¸Ê ‚¿÷¸¢£÷¸
Entrepreneurship Development Institute of India ` 4.18 ˆÅ£¸½”õ ˆÅú £¸¢©¸ ©¸¸¢Ÿ¸¥¸ í¾)
(EDII) for project “Revitalizing Innovation for ` 6.96 crore (Includes an amount
Sustainable Enterprises (RISE)’’. of ` 4.18 crore transferred to
‘Unspent CSR Account for
FY 2023-24’ towards ongoing
projects).

IV. ¬¸»®Ÿ¸, ¥¸‹¸º ‚¸¾£ Ÿ¸š¡¸Ÿ¸ „Ô¸Ÿ¸ ¢¨¸ˆÅ¸¬¸ ‚¢š¸¢›¸¡¸Ÿ¸, 2006 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚›¸º¬¸£µ¸ Ÿ¸Ê ¬¸»®Ÿ¸, ¥¸‹¸º ‚¸¾£ Ÿ¸š¡¸Ÿ¸ „Ô¸Ÿ¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ˆºÅŽ ¢›¸¢ä¸÷¸ œÏˆÅ’úˆÅ£µ¸
‚¸¨¸©¡¸ˆÅ í¾. ¤¸ÿˆÅ „Æ÷¸ ‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å ‚š¸ú›¸ ˆÅ¨¸£ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ¬¸¿¤¸Ö ¸¸›¸ˆÅ¸¢£¡¸¸Ê ˆÅ¸½ ‚¸œ¸»¢÷¸ÄˆÅ÷¸¸Ä‚¸Ê ¬¸½ ¥¸½ˆÅ£ ¬¸Ÿ¸½¢ˆÅ÷¸ ˆÅ£›¸½ ˆÅú œÏ¢ÇÅ¡¸¸ Ÿ¸Ê í¾. œÏ¤¸¿š¸›¸ ˆÅú
´¦«’ Ÿ¸Ê, ¤¡¸¸¸ ˆÅ¸ œÏž¸¸¨¸, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ¸¸½ ƒ¬¸ ‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å œÏ¸¨¸š¸¸›¸ ˆ½Å ‚›¸º¬¸¸£ ™½¡¸ í¸½ ¬¸ˆÅ÷¸¸ í¾, Ÿ¸í÷¨¸œ¸»µ¸Ä í¸½›¸½ ˆÅú „ŸŸ¸ú™ ›¸íú¿ í¾.
Pursuant to the provisions of Micro, Small and Medium Enterprises Development Act, 2006, certain disclosures are required
to be made relating to micro, small & medium enterprise. The Bank is in the process of compiling relevant information from its
suppliers about their coverage under the said Act. In view of the management, the impact of interest, if any, that may be payable
in accordance with the provisions of this Act is not expected to be material.

V. (ˆÅ) 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ˆÅ¸½¢¨¸”-19 ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ˆºÅ¥¸ œÏ¸¨¸š¸¸›¸ ` 116 ˆÅ£¸½”õ (ˆÅ¸½¢¨¸”-19 Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚š¸ú›¸ œ¸º›¸¬¸ô£¸›¸¸ ˆ½Å ¢¥¸‡ š¸¸¢£÷¸ œÏ¸¨¸š¸¸›¸
ˆÅ¸½ Ž¸½”õˆÅ£) ˜¸¸.
(a) As at March 31, 2024, the Bank held aggregate COVID-19 related provision of ` 116 crore (other than provisions held
for restructuring under COVID-19 norms).
(‰¸) ¬¸Ÿ¸¸š¸¸›¸ ¬¸¿£¸›¸¸ 1.0 ‚¸¾£ ¬¸Ÿ¸¸š¸¸›¸ ¬¸¿£¸›¸¸ 2.0 ˆ½Å ¤¸¸£½ Ÿ¸Ê ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å œ¸¢£œ¸°¸ ˆ½Å ‚›¸º¬¸¸£, ¤¸ÿˆÅ ›¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ˆºÅ¥¸ ` 240 ˆÅ£¸½”õ ˆ½Å
¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ œÏ¸¨¸š¸¸›¸ ˆÅ¸½ ¸¸£ú £‰¸¸ í¾. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½, ¤¸ÿˆÅ ›¸½ ˆÅ¸½¢¨¸” ‚¸£‡ûöÅ 1, ‚¸£‡ûöÅ 2 ‚¸¾£ ‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ‚¸£ ‚¸½’ú‚¸£
¬¸¿£¸›¸¸ ˆ½Å ÷¸í÷¸ œ¸º›¸Š¸Ä¢“÷¸ ‰¸º™£¸ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆ½Å ¢¥¸‡ ` 1843 ˆÅ£¸½”õ ˆÅ¸ ‚¸ˆÅ¦¬Ÿ¸ˆÅ÷¸¸ œÏ¸¨¸š¸¸›¸ £‰¸¸ í¾.
(b) In terms of RBI’s circular on Resolution Framework 1.0 and Resolution Framework 2.0, Bank continues to hold regulatory
provision aggregating to ` 240 crore as on March 31, 2024. In addition, as on March 31, 2024, Bank held contingency
provision of ` 1843 crore for retail borrowers restructured under COVID RF 1, RF 2 and MSMER OTR framework.

dm{f©H$ [anmoQ>© Annual Report 2023-24 435

{dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Financial Statements
VI. ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ 31 Ÿ¸ƒÄ 2023 ¬¸½ ` 400 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 300 ˆÅ£¸½”õ) ˆÅú ¢›¸¨¸¥¸ ‚¸½¨¸£›¸¸ƒ’ ‰¸º¥¸ú ¢¬˜¸¢÷¸ (‡›¸‚¸½‚¸½œ¸ú) ˆ½Å ¢¥¸‡ ¤¸¸½”Ä ×¸£¸ ‚›¸ºŸ¸¸½¢™÷¸ ¬¸úŸ¸¸
í¾. ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ (2023-24) ‰¸º¥¸ú ¢¬˜¸¢÷¸ ¬¨¸úˆ¼Å÷¸ ¬¸úŸ¸¸ ˆ½Å ž¸ú÷¸£ ˜¸ú ‚¸¾£ ‚¸¾¬¸÷¸ „œ¸¡¸¸½Š¸ ` 153.96 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 127 ˆÅ£¸½”õ) ˜¸¸. ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸
‚¢š¸ˆÅ÷¸Ÿ¸ „œ¸¡¸¸½Š¸ 12.01.2024 ˆÅ¸½ ` 255.34 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä 30 ¢¬¸÷¸¿¤¸£ 2022 ˆÅ¸½ ` 223 ˆÅ£¸½”õ) ˜¸¸.
The Bank has Board approved limit for Net Overnight Open Position (NOOP) fixed at ` 400 crore (Previous Year ` 300 crore)
w.e.f. May 31, 2023. During the year (2023-24) the open position was within the approved limit and the average utilization
was `153.96 crore (Previous Year `127 crore). The maximum utilization during the year was at ` 255.34 crore on 12.01.2024.
(Previous Year ` 223 crore on Sept 30, 2022).
VII. 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¸œ¸¬¸ú ¬¸Ÿ¸¸ ¬¸½ ¢¥¸¢‰¸÷¸ ¡¸¸ ‚›¡¸ œÏˆÅ¸£ ¬¸½ ¤¸ÿˆÅ ׸£¸, ¢ˆÅ¬¸ú ‚›¡¸ ¨¡¸¢Æ÷¸ ¡¸¸ ¬¸¿¬˜¸¸, ¢¨¸™½©¸ú ¬¸¿¬˜¸¸ ¬¸¢í÷¸
(`Ÿ¸š¡¸¨¸÷¸úÄ') ¬¸½ ‚˜¸¨¸¸ ˆÅ¸½ ˆÅ¸½ƒÄ ž¸ú £¸¢©¸ ‚¢ŠÏŸ¸ ¡¸¸ †µ¸ ¡¸¸ ¢›¸¨¸½©¸ („š¸¸£ ¥¸ú Š¸ƒÄ ¢›¸¢š¸ ¡¸¸ ©¸½¡¸£ œÏú¢Ÿ¸¡¸Ÿ¸ ¡¸¸ ¢ˆÅ¬¸ú ‚›¡¸ ¬°¸¸½÷¸ ¡¸¸ œÏˆÅ¸£ ¬¸½ ¸º’¸ƒÄ Š¸ƒÄ £¸¢©¸
¬¸½) ˆ½Å ³Åœ¸ ˆÅ¸½ƒÄ ¢›¸¢š¸ œÏ™¸›¸ ›¸íì ˆÅú Š¸ƒÄ í¾ ‚¸¾£ ¡¸í ¢ˆÅ Ÿ¸š¡¸¨¸÷¸úÄ ¤¸ÿˆÅ (‚¿¢÷¸Ÿ¸ ¥¸¸ž¸¸˜¸úÄ) ׸£¸ ¡¸¸ ˆÅú ‚¸¾£ ¬¸½ ¢›¸š¸¸Ä¢£÷¸ œ¸®¸ˆÅ¸£ ˆÅ¸½ „š¸¸£ ™½ œ¸¸‡¿Š¸½ ¡¸¸ „›¸Ÿ¸½¿ ¢›¸¨¸½©¸
ˆÅ£½Š¸ú. ƒ¬¸ˆ½Å ‚¢÷¸¢£Æ÷¸ ¤¸ÿˆÅ ˆÅ¸½ ¢ˆÅ¬¸ú ž¸ú œ¸®¸ˆÅ¸£ (¢›¸š¸ú¡¸›¸ œ¸®¸ˆÅ¸£) ¬¸½ ˆÅ¸½ƒÄ ž¸ú ¢›¸¢š¸ ƒ¬¸ ¬¸Ÿ¸¸ ˆ½Å ¬¸¸˜¸ œÏ¸œ÷¸ ›¸íì í¾ ¢ˆÅ ¤¸ÿˆÅ œÏ÷¡¸®¸ ¡¸¸ ‚œÏ÷¡¸®¸ ³Åœ¸ ¬¸½ ¤¸ÿˆÅ
׸£¸ ¡¸¸ ƒ¬¸ˆÅú ‚¸½£ ¬¸½ ‚¢ž¸¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¬¸ú ¨¡¸¢Æ÷¸ ¡¸¸ ¬¸¿¬˜¸¸ (``‚¿¢÷¸Ÿ¸ ¥¸¸ž¸¸˜¸úÄ'') ˆÅ¸½ „š¸¸£ ¡¸¸ „¬¸Ÿ¸½¿ ¢›¸¨¸½©¸ ˆÅ£½Š¸¸ ¡¸¸ ‚¿¢÷¸Ÿ¸ ¥¸¸ž¸¸˜¸úÄ ˆÅú ‚¸½£ ¬¸½ Š¸¸£¿’ú,
œÏ¢÷¸ž¸»¢÷¸ ¡¸¸ ƒ¬¸ú œÏˆÅ¸£ ˆºÅŽ ‚¸¾£ œÏ™¸›¸ ˆÅ£½¿Š¸½.
During the year ended March 31, 2024, no funds have been advanced or loaned or invested (either from borrowed funds or
share premium or any other sources or kind of funds) by the Bank to or in any other persons or entities, including foreign entities
(“Intermediaries”) with the understanding, whether recorded in writing or otherwise, that the Intermediary shall lend or invest in
party identified by or on behalf of the Bank (Ultimate Beneficiaries). Further, The Bank has not received any fund from any parties
(Funding Party) with the understanding that the Bank shall whether, directly or indirectly lend or invest in other persons or entities
identified by or on behalf of the Bank (“Ultimate Beneficiaries”) or provide any guarantee, security or the like on behalf of the
Ultimate Beneficiaries.
VIII. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‡¬¸½’ Ÿ¸¾›¸½¸Ÿ¸½¿’ ¢¥¸¢Ÿ¸’½” (‚¸ƒÄ‡‡Ÿ¸‡¥¸) ˆÅú ‡¬¸½’ ‚¿”£ Ÿ¸¾›¸½¸Ÿ¸½¿’ (‡¡¸»‡Ÿ¸) ˆÅ¸½ 29 ¸º¥¸¸ƒÄ 2023 ˆÅ¸½ ` 88.81 ˆÅ£¸½”õ ˆ½Å ¢¤¸ÇÅú Ÿ¸»¥¡¸ œ¸£
‡¥¸‚¸ƒÄ¬¸ú Ÿ¡¸»¸º‚¥¸ û¿Å” ‡¬¸½’ ¢¥¸¢Ÿ¸’½” ˆÅ¸½ ‚¿÷¸¢£÷¸ ˆÅ£ ¢™¡¸¸ Š¸¡¸¸ í¾. ¬¸½¤¸ú ›¸½ 12 Ÿ¸¸¸Ä 2024 ˆ½Å ‚œ¸›¸½ œ¸°¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ Ÿ¡¸»¸º‚¥¸ û¿Å” ˆ½Å
¥¸¸ƒ¬¸½¿¬¸ ˆÅ¸½ ¬¸£½¿”£ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ 30 ¢¬¸÷¸¿¤¸£ 2024 ÷¸ˆÅ ¬¸Ÿ¸¡¸ ¤¸õ¸›¸½ ˆÅú Ÿ¸¿¸»£ú ™½ ™ú í¾.
Asset Under Management (AUM) of IDBI Asset Management Ltd (IAML) has been transferred to LIC Mutual Fund Asset
Management Ltd with effect from July 29, 2023 for a Sale Consideration of ` 88.81 crore. SEBI vide its letter dated March 12,
2024 has approved extension of time upto September 30, 2024 for surrender of license of IDBI Mutual Fund.
IX. ¢œ¸Ž¥¸½ ¨¸«¸Ä ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ‚¸¿ˆÅ”õ½ œ¸º›¸¬¸ÄŸ¸»¢í÷¸ / œ¸º›¸¨¡¸Ä¨¸¢¬˜¸÷¸ ¢ˆÅ‡ Š¸‡ íÿ ÷¸¸¢ˆÅ ƒ›¸ˆÅú ¬¸¿œ¸º¢«’ ¸¸¥¸» ¨¸«¸Ä ˆ ½Å¢¥¸‡ ˆÅú Š¸ƒÄ œÏ¬÷¸º¢÷¸ ˆ½Å ¬¸¸˜¸ ˆÅú ¸¸ ¬¸ˆ½Å ‚¸¾£ ¬¸¸˜¸ íú
ƒ¬¸½ 30 ‚Š¸¬÷¸ 2021 ˆÅ¸½ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ¸¸£ú ¢¨¸î¸ú¡¸ œ¸¢£µ¸¸Ÿ¸¸½¿ ˆ½Å ¤¸¸£½ Ÿ¸½¿ Ÿ¸¸¬’£ ¢›¸™½Ä©¸-œÏ¬÷¸º¢÷¸ ‚¸¾£ œÏˆÅ’›¸ (1 ‚œÏ¾¥¸ 2024 ÷¸ˆÅ ‚Ô¸¢÷¸÷¸)
¡¸˜¸¸ ¬¸¿©¸¸½¢š¸÷¸ ‚¸¾£ ¸í¸¿ ‚¸¨¸©¡¸ˆÅ ¬¸Ÿ¸¸¸ Š¸¡¸¸, ˆ½Å ‚›¸º¬¸£µ¸ Ÿ¸½¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
Figures of the previous year, are regrouped/ rearranged, so as to confirm with the presentation made for the current year and
also pursuant to the requirement of Master Direction on financial results - Presentation and disclosure issued by Reserve Bank
of India dated August 30, 2021 (updated as on April 01, 2024), as amended and wherever considered necessary.

`1' ¬¸½ `18' ¥¸½‰¸¸ ‚›¸º¬¸»¢¸¡¸¸½¿ ˆ½Å ¢¥¸‡ í¬÷¸¸®¸£ / Signature to Schedules '1' to '18' of Accounts.
¤¸¸½”Ä ˆ½Å ‚¸™½©¸ ¬¸½ / BY ORDER OF THE BOARD

(£¸ˆ½Å©¸ ©¸Ÿ¸¸Ä) (¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾) (¬¸Ÿ¸£½©¸ œ¸¢£™¸) (¦¬Ÿ¸÷¸¸ ˆºÅ¤¸½£) (¡¸¸½¢÷¸ ›¸¸¡¸£)
(Rakesh Sharma) (Jayakumar S. Pillai) (Samaresh Parida) (Smita Kuber) (Jyothi Nair)
œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ Ÿ¸º‰¡¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ‚¢š¸ˆÅ¸£ú „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ¢›¸™½©¸ˆÅ Ÿ¸º‰¡¸ ¢¨¸î¸ú¡¸ ‚¢š¸ˆÅ¸£ú ˆ¿Åœ¸›¸ú ¬¸¢¸¨¸
Managing Director & Chief Executive Officer Dy. Managing Director Director Chief Financial Officer Company Secretary
”ú‚¸ƒÄ‡›¸/DIN: 06846594 ”ú‚¸ƒÄ‡›¸/DIN: 10041362 ”ú‚¸ƒÄ‡›¸/DIN: 01853823
ퟸ¸£ú ¬¸Ÿ¸-¢™›¸¸¿¢ˆÅ÷¸ ¢£œ¸¸½’Ä ˆ½Å ‚›¸º¬¸¸£
As per our report of even date ˆ¼Å÷¸½ ¸ú ”ú ‚¸œ’½ ‡¿” ˆ¿Åœ¸›¸ú
ˆ¼Å÷¸½ ¨¸Ÿ¸¸Ä ‡¿” ¨¸Ÿ¸¸Ä For G D Apte & Co
For Varma & Varma ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants
¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸/FRN-100515W
ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸/FRN - 004532S
ˆ½Å œ¸ú ªú¢›¸¨¸¸¬¸ ¬¸¸¾£ž¸ œ¸½©¸¨¸½
K P Srinivas Saurabh Peshwe
¬¸¸¸½™¸£/Partner ¬¸¸¸½™¸£/Partner
¬¸. ¬¸¿. 208520/M.No. 208520 ¬¸. ¬¸¿. 121546/M.No. 121546
¬˜¸¸›¸ À Ÿ¸º¿¤¸ƒÄ / Place: Mumbai
¢™›¸¸¿ˆÅ À 04 Ÿ¸ƒÄ 2024 / Date : May 04, 2024

436 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

ZH$Xr n«dmh {ddaU 31 _mM© 2024 H$mo g_mßV df© Ho$ {bE
Cash Flow Statement for the year ended March 31, 2024
(` ‘000 Ÿ¸½¿ / ` in ‘000)
¢¨¸¨¸£µ¸ 31.03.2024 ˆÅ¸½ 31.03.2023 ˆÅ¸½
Particulars ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
(¥¸½‰¸¸œ¸£ú¢®¸÷¸) (¥¸½‰¸¸œ¸£ú¢®¸÷¸)
Year ended Year ended
31.03.2024 31.03.2023
(Audited) (Audited)
‚. œ¸¢£¸¸¥¸›¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê ¬¸½ ›¸ˆÅ™ú œÏ¨¸¸í
A. Cash flow from Operating Activities
(1) ˆÅ£ ‚¸¾£ ‚¬¸¸š¸¸£µ¸ Ÿ¸™¸Ê ¬¸½ œ¸»¨¸Ä ¢›¸¨¸¥¸ ¥¸¸ž¸/(í¸¢›¸)
Net profit/(loss) before tax and extra-ordinary items 8195 40 89 5237 97 34
(2) ¬¸Ÿ¸¸¡¸¸½¸›¸ / Adjustments :
- ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¢¤¸ÇÅú ¬¸½ (¥¸¸ž¸)/í¸¢›¸
(Profit) / Loss on sale of Fixed Assets 71 49 1 83 57
- Ÿ¸»¥¡¸Ý¸¬¸ ‚¸¾£ œ¸º›¸Ÿ¸»Ä¥¡¸›¸ í¸¢›¸
Depreciation and revaluation loss 536 41 74 494 43 70
- œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸ ¢›¸¨¸½©¸¸Ê œ¸£ œÏú¢Ÿ¸¡¸Ÿ¸ ˆÅ¸ œ¸¢£©¸¸½š¸›¸
Amortisation of premium on Held to Maturity investments 173 25 49 220 34 60
- œÏ¸¨¸š¸¸›¸/ ¤¸’Ã’½ ‰¸¸÷¸½ ”¸¥¸›¸¸/ ¢›¸¨¸½©¸
Provisions/ Write off of Loans/ Investments 1294 19 29 16 24 27
- Ÿ¸¸›¸ˆÅ ‚¸¾£ œ¸º›¸¬¸ô£¢¸÷¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸
Provisions for Standard and Restructured Assets (172 88 29) 1848 97 04
- ‚›¡¸ œÏ¸¨¸š¸¸›¸ / Other Provisions 275 48 34 1633 43 60
- ¢›¸¨¸½©¸¸Ê ˆ½Å œ¸º›¸Ÿ¸»Ä¥¡¸›¸ œ¸£ (¥¸¸ž¸)/í¸¢›¸
(Profit) / Loss on revaluation of Investments (11 26 99) (50 87 71)
- „š¸¸£ £¸¢©¸¡¸¸Ê œ¸£ ¤¡¸¸¸ (œ¸¢£¸¸¥¸›¸ Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê ˆ½Å ‚¥¸¸¨¸¸)
Interest on borrowings (other than operational activities) 707 17 50 855 01 63
- ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸¢›¸¡¸¸Ê/¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸¸Ê ¬¸½ œÏ¸œ÷¸ ¥¸¸ž¸¸¿©¸
Dividend received from subsidiary companies/joint ventures (17 91 29) (34 93 16)
- ¨¡¸º÷œ¸››¸ ‚¸¾£ ¢¨¸¢›¸Ÿ¸¡¸ ¥¸½›¸™½›¸¸Ê ˆ½Å „¢¸÷¸ Ÿ¸»¥¡¸ œ¸£ (¥¸¸ž¸)/ í¸¢›¸
(Gain)/loss on fair value of derivatives and exchange transactions 30 45 57 (146 49 13)
11011 03 74 10075 95 75
(3) œ¸¢£¸¸¥¸›¸ ‚¸¦¬÷¸¡¸¸Ê Ÿ¸Ê (¨¸¼¢Ö)/ ˆÅŸ¸ú ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸¡¸¸½¸›¸
Adjustments for (increase)/ decrease in operating assets:
- ¢›¸¨¸½©¸ / Investments (15690 69 42) (18058 84 37)
- ‚¢ŠÏŸ¸ / Advances (27062 86 83) (24440 90 74)
- ‚›¡¸ ‚¸¦¬÷¸¡¸¸¿ /Other Assets 2539 23 47 2820 98 79
- ‚¸¡¸ˆÅ£ ‚¸¦¬÷¸¡¸¸¿ / Income Tax Assets (282 21 86) 1108 90 96
(4) œ¸¢£¸¸¥¸›¸ ™½¡¸÷¸¸‚¸Ê Ÿ¸Ê ¨¸¼¢Ö / (ˆÅŸ¸ú) ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸¡¸¸½¸›¸
Adjustments for increase/ (decrease) in operating liabilities:
- „š¸¸££¸¢©¸¡¸¸¿ / Borrowings 4444 94 58 901 97 01
- ¸Ÿ¸¸£¸¢©¸¡¸¸¿ / Deposits 22167 17 24 22440 57 50
- ‚›¡¸ ™½¡¸÷¸¸‡¿ ‡¨¸¿ œÏ¸¨¸š¸¸›¸ / Other liabilities and provisions 1685 78 30 2753 89 70
œ¸¢£¸¸¥¸›¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê (Ÿ¸Ê œÏ¡¸ºÆ÷¸)/ ¬¸½ „÷œ¸››¸ ¢›¸¨¸¥¸ ›¸ˆÅ™ú
Net Cash (used in)/generated from Operating activities (1187 60 78) (2397 45 40)
‚¸. ¢›¸¨¸½©¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê ¬¸½ ›¸ˆÅ™ú œÏ¨¸¸í
B. Cash Flow from Investing activities
- ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸Ê ˆÅú ‰¸£ú™ (¢¤¸ÇÅú ‹¸’¸ˆÅ£)
Purchase (net of sale) of fixed assets (300 18 22) (316 22 92)
- ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸¢›¸¡¸¸Ê/ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸¸Ê ¬¸½ œÏ¸œ÷¸ ¥¸¸ž¸¸¿©¸
Dividend received from subsidiary companies/joint ventures 17 91 29 34 93 16
¢›¸¨¸½©¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê (Ÿ¸Ê œÏ¡¸ºÆ÷¸)/ ¬¸½ ¸º’¸ƒÄ Š¸ƒÄ ¢›¸¨¸¥¸ ›¸ˆÅ™ú
Net cash (used in) / raised from Investing activities (282 26 93) (281 29 76)

dm{f©H$ [anmoQ>© Annual Report 2023-24 437

ZH$Xr n«dmh {ddaU 31 _mM© 2024 H$mo g_mßV df© Ho$ {bE
Cash Flow Statement for the year ended March 31, 2024
(` ‘000 Ÿ¸½¿ / ` in ‘000)
¢¨¸¨¸£µ¸ 31.03.2024 ˆÅ¸½ 31.03.2023 ˆÅ¸½
Particulars ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
(¥¸½‰¸¸œ¸£ú¢®¸÷¸) (¥¸½‰¸¸œ¸£ú¢®¸÷¸)
Year ended Year ended
31.03.2024 31.03.2023
(Audited) (Audited)
ƒ. ¢¨¸î¸œ¸¸½«¸µ¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê ¬¸½ ›¸ˆÅ™ú œÏ¨¸¸í
C. Cash Flow from Financing activities
- œÏ™î¸ ¥¸¸ž¸¸¿©¸ / Dividend paid (1075 24 02) 0
- „š¸¸££¸¢©¸¡¸¸Ê œ¸£ œÏ™î¸ ¤¡¸¸¸ / Interest paid on borrowings (707 28 26) (948 30 93)
- ¤¸¸Áµ”¸Ê ˆÅ¸ Ÿ¸¸½¸›¸ / Redemption of Bonds 0 (2609 20 00)
¢¨¸î¸œ¸¸½«¸µ¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê (Ÿ¸Ê œÏ¡¸ºÆ÷¸)/ ¬¸½ ¸º’¸ƒÄ Š¸ƒÄ ¢›¸¨¸¥¸ ›¸ˆÅ™ú
Net cash (used in) / raised from Financing activities (1782 52 28) (3557 50 93)
ƒÄ. ’︿¬¸¥¸½¬¸›¸ ¢£{¸¨¸Ä œ¸£ ¢¨¸¢›¸Ÿ¸¡¸ ˆ½Å „÷¸¸£-¸õ¸¨¸ ˆÅ¸ œÏž¸¸¨¸
D. Effect of exchange fluctuation on translation reserve 4 53 09 11 40 59
›¸ˆÅ™ú ‚¸¾£ ›¸ˆÅ™ú ¬¸Ÿ¸÷¸º¥¡¸ Ÿ¸Ê ¢›¸¨¸¥¸ ¨¸¼¢Ö/ (ˆÅŸ¸ú) (‚+‚¸+ƒ+ƒÄ)
NET INCREASE/ (DECREASE) IN CASH & CASH EQUIVALENTS (A+B+C+D) (3247 86 91) (6224 85 50)
œÏ¸£¿¢ž¸ˆÅ ›¸ˆÅ™ú ‚¸¾£ ›¸ˆÅ™ú ¬¸Ÿ¸÷¸º¥¡¸ / OPENING CASH & CASH EQUIVALENTS 29180 75 42 35405 60 92
‚¿¢÷¸Ÿ¸ ›¸ˆÅ™ú ‚¸¾£ ›¸ˆÅ™ú ¬¸Ÿ¸÷¸º¥¡¸
CLOSING CASH & CASH EQUIVALENTS 25932 88 52 29180 75 42
›¸ˆÅ™ú œÏ¨¸¸í ¢¨¸¨¸£µ¸ œ¸£ ¢’œœ¸¢µ¸¡¸¸¿/ Notes to Cash Flow Statement:
1. ›¸ˆÅ™ú œÏ¨¸¸í ¢¨¸¨¸£µ¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ›¸ˆÅ™ú ‚¸¾£ ›¸ˆÅ™ú ¬¸Ÿ¸÷¸º¥¡¸ Ÿ¸Ê ÷¸º¥¸›¸ œ¸°¸ ˆÅú ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸
Ÿ¸™Ê ©¸¸¢Ÿ¸¥¸ íÿÀ
Cash and Cash equivalents included in the cash flow statement comprise the
following Balance Sheet items:
›¸ˆÅ™ú ‚¸¾£ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ©¸½«¸ / Cash & Balances with Reserve Bank of India 13990 95 92 16639 18 42
¤¸ÿˆÅ¸Ê ˆ½Å œ¸¸¬¸ ©¸½«¸ £¸¢©¸ ÷¸˜¸¸ Ÿ¸¸¿Š¸ ‡¨¸¿ ‚¥œ¸ ¬¸»¸›¸¸ œ¸£ œÏ¢÷¸™½¡¸ £¸¢©¸
Balances with banks & money at call and short notice 11941 92 60 12541 57 00
ˆºÅ¥¸ / Total 25932 88 52 29180 75 42
2. œ¸¢£¸¸¥¸›¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê ¬¸½ ›¸ˆÅ™ú œÏ¨¸¸í ˆÅú ¢£œ¸¸½’Ä ‚œÏ÷¡¸®¸ ¢¨¸¢š¸ ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£ ˆÅú ¸¸÷¸ú í¾
Cash Flow from Operating activities is reported by using Indirect method
Ÿ¸í÷¨¸œ¸»µ¸Ä ¥¸½‰¸¸ ›¸ú¢÷¸¡¸¸¿ ÷¸˜¸¸ ¥¸½‰¸¸ ¢’œœ¸¢µ¸¡¸¸¿ (‚›¸º¬¸»¸ú 17 ‚¸¾£ 18)
Significant Accounting Policies and Notes to Accounts (Schedule 17 and 18)

„œ¸¡¸ºÄÆ÷¸ ¬¸¿™¢ž¸Ä÷¸ ‚›¸º¬¸»¢¸¡¸¸Â ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ‚¢ž¸››¸ ž¸¸Š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê íÿ.
The Schedules referred to above form an integral part of the Financial Statements.
¤¸¸½”Ä ˆ½Å ‚¸™½©¸ ¬¸½ / BY ORDER OF THE BOARD

(£¸ˆ½Å©¸ ©¸Ÿ¸¸Ä) (¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾) (¬¸Ÿ¸£½©¸ œ¸¢£™¸) (¦¬Ÿ¸÷¸¸ ˆºÅ¤¸½£) (¡¸¸½¢÷¸ ›¸¸¡¸£)
(Rakesh Sharma) (Jayakumar S. Pillai) (Samaresh Parida) (Smita Kuber) (Jyothi Nair)
œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ Ÿ¸º‰¡¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ‚¢š¸ˆÅ¸£ú „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ¢›¸™½©¸ˆÅ Ÿ¸º‰¡¸ ¢¨¸î¸ú¡¸ ‚¢š¸ˆÅ¸£ú ˆ¿Åœ¸›¸ú ¬¸¢¸¨¸
Managing Director & Chief Executive Officer Dy. Managing Director Director Chief Financial Officer Company Secretary
”ú‚¸ƒÄ‡›¸/DIN: 06846594 ”ú‚¸ƒÄ‡›¸/DIN: 10041362 ”ú‚¸ƒÄ‡›¸/DIN: 01853823
ퟸ¸£ú ¬¸Ÿ¸-¢™›¸¸¿¢ˆÅ÷¸ ¢£œ¸¸½’Ä ˆ½Å ‚›¸º¬¸¸£
As per our report of even date ˆ¼Å÷¸½ ¸ú ”ú ‚¸œ’½ ‡¿” ˆ¿Åœ¸›¸ú
ˆ¼Å÷¸½ ¨¸Ÿ¸¸Ä ‡¿” ¨¸Ÿ¸¸Ä For G D Apte & Co
For Varma & Varma ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants
¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸/FRN-100515W
ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸/FRN - 004532S
ˆ½Å œ¸ú ªú¢›¸¨¸¸¬¸ ¬¸¸¾£ž¸ œ¸½©¸¨¸½
K P Srinivas Saurabh Peshwe
¬¸¸¸½™¸£/Partner ¬¸¸¸½™¸£/Partner
¬¸. ¬¸¿. 208520/M.No. 208520 ¬¸. ¬¸¿. 121546/M.No. 121546
¬˜¸¸›¸ À Ÿ¸º¿¤¸ƒÄ / Place: Mumbai
¢™›¸¸¿ˆÅ À 04 Ÿ¸ƒÄ 2024 / Date : May 04, 2024

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samae\ kta \vattaIya \vavarNa

Consolidated Financial Statements

dm{f©H$ [anmoQ>© Annual Report 2023-24 439

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Independent Auditors’ Report
œÏ¢÷¸, To,
The Members of IDBI Bank Limited
‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å ¬¸™¬¡¸Š¸µ¸
Report on the Audit of the Consolidated Financial Statements
¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ¥¸½‰¸¸-œ¸£ú®¸¸ œ¸£ ¢£œ¸¸½’Ä
Opinion
‚¢ž¸Ÿ¸÷¸
We have audited the accompanying Consolidated Financial
ퟸ›¸½ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” (``¤¸ÿˆÅ''), ƒ¬¸ˆÅú ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸Ê ‚¸¾£ Statements of IDBI Bank Limited (“the Bank”) its subsidiaries
and associates (the Bank and its subsidiary companies together
¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‚¸Ê (¤¸ÿˆÅ ‚¸¾£ ƒ¬¸ˆÅú ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸Ê, ¬¸¸Ÿ¸»¢íˆÅ ³Åœ¸ ¬¸½ ``¬¸Ÿ¸»í'`
referred to as “the Group”) comprising of the consolidated Balance
ˆ½Å ³Åœ¸ Ÿ¸Ê ¢›¸¢™Ä«’), ˆ½Å ¬¸¿¥¸Š›¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ¢¸›¸Ÿ¸Ê 31 Ÿ¸¸¸Ä 2024 ˆÅ¸ Sheet as at March 31, 2024, the consolidated Profit and Loss
¬¸Ÿ¸½¢ˆÅ÷¸ ÷¸º¥¸›¸ œ¸°¸, 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ¬¸Ÿ¸½¢ˆÅ÷¸ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½, Account, the consolidated Cash Flow Statement for the year then
¬¸Ÿ¸½¢ˆÅ÷¸ ›¸ˆÅ™ú œÏ¨¸¸í ¢¨¸¨¸£µ¸ ‚¸¾£ ¬¸¿¥¸Š›¸ Ÿ¸í÷¨¸œ¸»µ¸Ä ¥¸½‰¸¸¿ˆÅ›¸ ›¸ú¢÷¸¡¸¸Ê ˆ½Å ¬¸¸£¸¿©¸ ÷¸˜¸¸ ended March 31, 2024 and Notes to the Financial Statements
including a summary of significant accounting policies and other
‚›¡¸ ¨¡¸¸‰¡¸¸÷Ÿ¸ˆÅ ¸¸›¸ˆÅ¸£ú ¬¸¢í÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸½¿ ˆÅú ¢’œœ¸¢µ¸¡¸¸½¿ ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ˆÅú
explanatory information annexed thereto, in which the following are
í¾ ¢¸¬¸Ÿ¸Ê ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ©¸¸¢Ÿ¸¥¸ íÿÀ incorporated:
• ퟸ¸£ú ¢™›¸¸¿ˆÅ 04 Ÿ¸ƒÄ 2024 ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ¢£œ¸¸½’Ä ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ퟸ¸£½ ׸£¸, • Audited Financial Statements of IDBI Bank Limited, audited by
‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å ¥¸½‰¸¸œ¸£ú¢®¸÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ us, vide our audit report dated May 04, 2024.
ˆÅú Š¸ƒÄ. • Audited Financial Statements of 5 domestic subsidiaries
incorporated in India, audited by other auditors; and
• ‚›¡¸ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ˆ½Å ׸£¸ ¥¸½‰¸¸œ¸£ú¢®¸÷¸, ž¸¸£÷¸ Ÿ¸Ê ¢›¸Š¸¢Ÿ¸÷¸ 5 ™½©¸ú ¬¸í¸¡¸ˆÅ
¬¸¿¬˜¸¸‚¸Ê ˆ½Å ¥¸½‰¸¸œ¸£ú¢®¸÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸; ‚¸¾£ • Unaudited accounts of 4 associates

• 4 ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‚¸Ê ˆ½Å Š¸¾£-¥¸½‰¸¸œ¸£ú¢®¸÷¸ ¥¸½‰¸½ In our opinion, and to the best of our information and according to
the explanations given to us, and based on the consideration of
ퟸ¸£ú £¸¡¸ Ÿ¸Ê ‚¸¾£ ퟸ¸£ú ¬¸¨¸¸½Ä¸ ¸¸›¸ˆÅ¸£ú Ÿ¸Ê ÷¸˜¸¸ íŸ¸Ê ¢™‡ Š¸‡ ¬œ¸«’úˆÅ£µ¸¸Ê ˆ½Å the reports of the other auditors on separate financial statements
‚›¸º¬¸¸£ ÷¸˜¸¸ ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸Ê ˆ½Å œ¸¼˜¸ˆÅ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê œ¸£ ‚›¡¸ ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê ˆÅú of the subsidiaries and the unaudited financial statements and
other financial information of associates as furnished by the
¢£œ¸¸½’½ô ÷¸˜¸¸ œÏ¤¸¿š¸›¸ ׸£¸ „œ¸¥¸¤š¸ ˆÅ£¸‡ Š¸‡ ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‚¸Ê ˆ½Å Š¸¾£-¥¸½‰¸¸œ¸£ú¢®¸÷¸ management, the aforesaid Consolidated Financial Statements give
¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ‚¸¾£ ‚›¡¸ ¢¨¸î¸ú¡¸ ¸¸›¸ˆÅ¸£ú œ¸£ ¢¨¸¸¸£ ˆ½Å ‚¸š¸¸£ œ¸£ „Æ÷¸ ¬¸Ÿ¸½¢ˆÅ÷¸ the information required by the Banking Regulation Act, 1949, as well
¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ¤¸ÿˆÅˆÅ¸£ú ¢¨¸¢›¸¡¸Ÿ¸›¸ ‚¢š¸¢›¸¡¸Ÿ¸,1949 ÷¸˜¸¸ ¬¸¸˜¸ íú ¬¸¸˜¸ ˆ¿Åœ¸›¸ú as the Companies Act, 2013 (“the Act”) and circulars and guidelines
‚¢š¸¢›¸¡¸Ÿ¸, 2013 (``‚¢š¸¢›¸¡¸Ÿ¸'') ÷¸˜¸¸ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ¸¸£ú œ¸¢£œ¸°¸¸Ê issued by the Reserve Bank of India, in the manner so required for
banking companies and give a true and fair view in conformity with
‚¸¾£ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ׸£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ˆ¿Åœ¸¢›¸¡¸¸Ê ¬¸½ ¡¸˜¸¸ ‚œ¸½¢®¸÷¸ ¸¸›¸ˆÅ¸£ú œÏ™¸›¸ ˆÅ£÷¸½ íÿ the accounting principles generally accepted in India, including the
‚¸¾£ ‚¢š¸¢›¸¡¸Ÿ¸ ˆÅú š¸¸£¸ 133 ‚¸¾£ ‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å ÷¸í÷¸ ¤¸›¸¸‡ Š¸‡ ¢›¸¡¸Ÿ¸¸Ê ˆ½Å ¬¸¸˜¸ Accounting Standards prescribed under Section 133 of the Act, read
œ¸¢“÷¸ ¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ¸Ê ¬¸¢í÷¸ ž¸¸£÷¸ Ÿ¸Ê ¬¸¸Ÿ¸¸›¡¸ ³Åœ¸ ¬¸½ ¬¨¸úˆ¼Å÷¸ ¥¸½‰¸¸¿ˆÅ›¸ ¢¬¸Ö¸¿÷¸¸Ê ˆ½Å with rules made thereunder, of the consolidated state of affairs of the
‚›¸º³Åœ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸»í ‚¸¾£ ƒ¬¸ˆÅú ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‚¸Ê ˆ½Å ˆÅ¸¡¸¸½ô ˆÅú ¬¸Ÿ¸½¢ˆÅ÷¸ Group and its associates as at March 31, 2024 and its consolidated
profit, and consolidated cash flows for the year ended on
¦¬˜¸¢÷¸ ‚¸¾£ „¬¸ú ÷¸¸£ú‰¸ ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ƒ¬¸ˆ½Å ¬¸Ÿ¸½¢ˆÅ÷¸ ¥¸¸ž¸ ‚¸¾£ ¬¸Ÿ¸½¢ˆÅ÷¸ that date.
›¸ˆÅ™ú œÏ¨¸¸í ˆÅú ¬¸íú ‡¨¸¿ „¢¸÷¸ ¦¬˜¸¢÷¸ œÏ¬÷¸º÷¸ ˆÅ£÷¸½ íÿ.
Basis for Opinion
‚¢ž¸Ÿ¸÷¸ í½÷¸º ‚¸š¸¸£
We conducted our audit of the Consolidated Financial Statements in
ퟸ›¸½ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 143(10) ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ accordance with the Standards on Auditing (“SAs”) specified under
¢¨¸¨¸£µ¸¸Ê ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ¢›¸¢™Ä«’ ¥¸½‰¸¸œ¸£ú®¸¸ Ÿ¸¸›¸ˆÅ¸Ê (‡¬¸‡) ˆ½Å ‚›¸º³Åœ¸ ˆÅú í¾. section 143(10) of the Companies Act, 2013. Our responsibilities under
those Standards are further described in the Auditor’s Responsibilities
„›¸ Ÿ¸¸›¸ˆÅ¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ퟸ¸£½ „™¸¢¡¸÷¨¸ ퟸ¸£ú ¢£œ¸¸½’Ä ˆÅú ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê for the Audit of the Consolidated Financial Statements section of our
ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ í½÷¸º ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê ˆ½Å „™¸¢¡¸÷¨¸ ‰¸¿” Ÿ¸Ê ¨¸¢µ¸Ä÷¸ í¾. ퟸ ¢¨¸î¸ú¡¸ report. We are independent of the Group in accordance with the
¢¨¸¨¸£µ¸¸Ê ˆÅú ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ¢¥¸‡ œÏ¸¬¸¿¢Š¸ˆÅ ›¸¾¢÷¸ˆÅ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ÷¸˜¸¸ ˆ¿Åœ¸›¸ú Code of Ethics issued by the Institute of Chartered Accountants of
‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ÷¸˜¸¸ „¬¸ˆ½Å ‚š¸ú›¸ ¤¸›¸¸‡ Š¸‡ ¢›¸¡¸Ÿ¸¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¬¸¸˜¸ India together with the ethical requirements that are relevant to our
audit of the Consolidated Financial Statements under the provisions
íú ž¸¸£÷¸ú¡¸ ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£ ¬¸¿¬˜¸¸›¸ ׸£¸ ¸¸£ú ›¸¾¢÷¸ˆÅ ‚¸¸¸£ ¬¸¿¢í÷¸¸ ˆ½Å ‚›¸º¬¸¸£ ¬¸Ÿ¸»í of the Companies Act, 2013 and the Rules thereunder, and we have
¬¸½ ¬¨¸÷¸¿°¸ íÿ ÷¸˜¸¸ ퟸ›¸½ ƒ›¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ‡¨¸¿ ‚¸¸¸£ ¬¸¿¢í÷¸¸ ˆ½Å ‚›¸º³Åœ¸ ‚›¡¸ ›¸¾¢÷¸ˆÅ fulfilled our other ethical responsibilities in accordance with these
™¸¢¡¸÷¨¸¸Ê ˆÅ¸½ œ¸»£¸ ¢ˆÅ¡¸¸ í¾. ퟸ Ÿ¸¸›¸÷¸½ íÿ ¢ˆÅ ퟸ¸£½ ׸£¸ ¥¸½‰¸¸œ¸£ú¢®¸÷¸ ¤¸ÿˆÅ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê requirements and the Code of Ethics. We believe that the audit
ퟸ¸£½ ׸£¸ œÏ¸œ÷¸ ¥¸½‰¸¸ œ¸£ú®¸¸ ¬¸¸®¡¸ ‚¸¾£ ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸Ê ˆ½Å ‚›¡¸ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê evidence obtained by us in respect of the Bank audited by us and the
audit evidence obtained by the other auditors of subsidiaries in terms
׸£¸ œÏ¸œ÷¸ ¥¸½‰¸¸ œ¸£ú®¸¸ ¬¸¸®¡¸ „›¸ˆÅú ¢£œ¸¸½’Ä ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê, ¸¸½ "‚›¡¸ Ÿ¸¸Ÿ¸¥¸¸Ê" ‰¸¿” Ÿ¸Ê of their reports, referred to in section “Other Matters”, is sufficient
¬¸¿™¢ž¸Ä÷¸ í¾, ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê œ¸£ ퟸ¸£ú £¸¡¸ ˆ½Å ¢¥¸‡ ‚¸š¸¸£ œÏ™¸›¸ ˆÅ£›¸½ ˆ½Å and appropriate to provide a basis for our opinion on consolidated
¢¥¸‡ œ¸¡¸¸Äœ÷¸ ‚¸¾£ „œ¸¡¸ºÆ÷¸ íÿ. financial statements.

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¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å œÏŸ¸º‰¸ Ÿ¸¸Ÿ¸¥¸½ Key Audit Matters

œÏŸ¸º‰¸ ¥¸½‰¸¸œ¸£ú®¸¸ Ÿ¸¸Ÿ¸¥¸½ ¨¸½ Ÿ¸¸Ÿ¸¥¸½ íÿ ¸¸½ ퟸ¸£½ œ¸½©¸½¨¸£ ¢›¸µ¸Ä¡¸ ˆ½Å ‚›¸º¬¸¸£ ¸¸¥¸» ¨¸«¸Ä Key audit matters are those matters that, in our professional judgment,
were of most significance in the audit of the Consolidated Financial
ˆ½Å ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ Ÿ¸Ê ¬¸¤¸¬¸½ Ÿ¸í÷¨¸œ¸»µ¸Ä ˜¸½. ƒ›¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅ¸
Statements of the current year. These matters were addressed in the
¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¾£ „›¸ œ¸£ ퟸ¸£ú £¸¡¸ context of our audit of the Consolidated Financial Statements as a
¤¸›¸¸›¸½ Ÿ¸Ê œ¸»µ¸Ä „¥¥¸½‰¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸ ÷¸˜¸¸ ퟸ ƒ›¸ Ÿ¸¸Ÿ¸¥¸¸Ê œ¸£ ‚¥¸Š¸ ¬¸½ £¸¡¸ ›¸íú¿ ™½÷¸½ whole, and in forming our opinion thereon, and we do not provide a
íÿ. ퟸ›¸½ ›¸ú¸½ ¨¸¢µ¸Ä÷¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅ¸ ¢›¸š¸¸Ä£µ¸ œÏŸ¸º‰¸ ¥¸½‰¸¸œ¸£ú®¸¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ¬¸¿œÏ½¢«¸÷¸ separate opinion on these matters. We have determined the matters
ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‚œ¸›¸ú ¢£œ¸¸½’Ä Ÿ¸Ê „¥¥¸½‰¸ ¢ˆÅ¡¸¸ í¾. ›¸ú¸½ „¢¥¥¸¢‰¸÷¸ œÏ÷¡¸½ˆÅ Ÿ¸¸Ÿ¸¥¸½ ˆ½Å described below to be the key audit matters to be communicated in
our report. For each matter below, our description of how our audit
¬¸¿™ž¸Ä Ÿ¸½¿ ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ ›¸½ „¬¸ Ÿ¸¸Ÿ¸¥¸½ ˆÅ¸ ¬¸Ÿ¸¸š¸¸›¸ ¢ˆÅ¬¸ œÏˆÅ¸£ ¬¸½ ¢ˆÅ¡¸¸, „¬¸ˆÅ¸
addressed the matter is provided in that context:
¢¨¸¨¸£µ¸ ¢™¡¸¸ Š¸¡¸¸ í¾À
Key Audit Matters Auditor’s Approach
œÏŸ¸º‰¸ ¥¸½‰¸¸œ¸£ú®¸¸ Ÿ¸¸Ÿ¸¥¸½ ¥¸½‰¸¸œ¸£ú®¸ˆÅ ˆÅ¸ ´¦«’ˆÅ¸½µ¸
‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ ˆÅú Ÿ¸¸›¡¸÷¸¸ ‚¸¾£ Ÿ¸¸œ¸›¸ Recognition and Measurement of Deferred Tax Asset
¤¸ÿˆÅ ›¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ` 8,959.66 ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ œÏ¢ÇÅ¡¸¸‚¸Ê Ÿ¸Ê The Bank has recognised a net Our audit procedures involved
ˆÅ£¸½”õ ˆÅú ¢›¸¨¸¥¸ ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ ¥¸¸Š¸» ˆÅ£ ˆÅ¸›¸»›¸¸Ê ‚¸¾£ ¤¸ÿˆÅ œ¸£ ¥¸¸Š¸» deferred tax asset of ` 8,959.66 gaining an understanding of the
Crores as on March 31, 2024, applicable tax laws and relevant
ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ¢ˆÅ¡¸¸ í¾, ¸¸½ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¬¸¿¤¸¿¢š¸÷¸ ¢¨¸¢›¸¡¸Ÿ¸¸Ê ˆÅ¸½ ¬¸Ÿ¸¸›¸¸ ©¸¸¢Ÿ¸¥¸ after net reversal of ` 2,561.32 regulations applicable to the
` 2,561.32 ˆÅ£¸½”õ ˆ½Å ¢›¸¨¸¥¸ ¢£¨¸¬¸Ä¥¸ ˜¸¸. ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ œÏ¢ÇÅ¡¸¸‚¸Ê Ÿ¸Ê Crores during the year. Bank. Our audit procedures
ˆ½Å ¤¸¸™ í¾. ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ©¸¸¢Ÿ¸¥¸ ˜¸¸À included:
The recognition of deferred tax
• ‡‡¬¸ 22 - ‚¸¡¸ œ¸£ ˆÅ£ ˆ½Å involves judgement regarding • Evaluation of policies
‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ˆÅú Ÿ¸¸›¡¸÷¸¸ Ÿ¸Ê ƒ›¸
¢¥¸‡ ¥¸½‰¸¸¿ˆÅ›¸ ˆ½Å ‚›¸º¬¸¸£ the likelihood of realisation used for recognition and
‚¸¦¬÷¸¡¸¸Ê ˆÅú ¨¸¬¸»¥¸ú ˆÅú ¬¸¿ž¸¸¨¸›¸¸ ˆ½Å ¤¸¸£½ ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê of these assets in particular measurement of deferred
Ÿ¸Ê ¢›¸µ¸Ä¡¸ ©¸¸¢Ÿ¸¥¸ í¾, ¢¨¸©¸½«¸ ³Åœ¸ ¬¸½ Æ¡¸¸ ˆ½Å ¢›¸š¸¸Ä£µ¸ ‚¸¾£ Ÿ¸¸œ¸›¸ ˆ½Å whether there will be sufficient tax assets in accordance
ž¸¢¨¸«¡¸ ˆÅú ‚¨¸¢š¸ Ÿ¸Ê œ¸¡¸¸Äœ÷¸ ˆÅ£ ¡¸¸½Š¡¸ ¢¥¸‡ ‚œ¸›¸¸ƒÄ Š¸ƒÄ ›¸ú¢÷¸¡¸¸Ê ˆÅ¸ taxable profits in future periods with AS 22 Accounting
¥¸¸ž¸ í¸½Š¸¸ ¸¸½ ƒ›¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅú Ÿ¸¸›¡¸÷¸¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸; that will support the recognition for Taxes on Income;
ˆÅ¸ ¬¸Ÿ¸˜¸Ä›¸ ˆÅ£½Š¸¸. ƒ›¸ ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ • of these assets. Given the
œÏ¤¸¿š¸›¸ ׸£¸ œÏ¡¸ºÆ÷¸ œ¸»¨¸¸Ä›¸ºŸ¸¸›¸¸Ê degree of judgement involved • Assessed the probability
‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ ¡¸¸ ‚›¡¸˜¸¸ ‚¸¾£ ‚›¡¸ Ÿ¸¸œ¸™¿”¸Ê ˆ½Å ‚¸š¸¸£ of the availability of profits
in considering these deferred
Ÿ¸¸›¸›¸½ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ¢›¸µ¸Ä¡¸ ˆÅú ¢”ŠÏú œ¸£ ¥¸¸ž¸¸Ê ˆÅú „œ¸¥¸¤š¸÷¸¸ ˆÅú tax assets as recoverable or based on assumptions
ˆÅ¸½ ™½‰¸÷¸½ íº‡, ퟸ ƒ¬¸½ ‡ˆÅ œÏŸ¸º‰¸ and other parameters
¬¸¿ž¸¸¨¸›¸¸ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢ˆÅ¡¸¸ otherwise, we consider this to
¥¸½‰¸¸œ¸£ú®¸¸ Ÿ¸¸Ÿ¸¥¸¸ Ÿ¸¸›¸÷¸½ íÿ. used by the Management
Š¸¡¸¸, ¢¸¬¸Ÿ¸Ê ¬¸½ ¤¸ÿˆÅ ¬¸¿™¢ž¸Ä÷¸ be a key audit matter.
against which the Bank
œ¸»¨¸¸Ä›¸ºŸ¸¸›¸ ˆ½Å ‚›¸º¬¸¸£ ž¸¢¨¸¡¸ Ÿ¸Ê will be able to use this
ƒ¬¸ ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ ˆÅ¸ deferred tax asset in the
„œ¸¡¸¸½Š¸ ˆÅ£ œ¸¸¡¸½Š¸¸, ¸¾¬¸¸ ¤¸¸½”Ä future with reference to
forecast as noted by the
ˆÅú ¥¸½‰¸¸ œ¸£ú®¸¸ ¬¸¢Ÿ¸¢÷¸ ›¸½ ›¸¸½’
Audit Committee of the
¢ˆÅ¡¸¸ ˜¸¸. Board of Directors.
• ¥¸¸Š¸» ˆÅ£ ™£¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê
• Assessed the method
‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ ˆÅ¸
for determining the
¢›¸š¸¸Ä£µ¸ ˆÅ£›¸½ Ÿ¸Ê ‚œ¸›¸¸ƒÄ Š¸ƒÄ Deferred Tax Asset with
œ¸Ö¢÷¸ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ reference to applicable
÷¸˜¸¸ ‚¿ˆÅŠ¸¢µ¸÷¸ú¡¸ œ¸¢£©¸ºÖ÷¸¸ tax rates and tested the
ˆÅ¸ œ¸£ú®¸µ¸ ¢ˆÅ¡¸¸ Š¸¡¸¸. arithmetical accuracy.
‚¢ŠÏŸ¸¸Ê ˆ½Å ¢¥¸‡ ‚¸¡¸ ¢›¸š¸¸Ä£µ¸ ‡¨¸¿ ‚¸¦¬÷¸ ¨¸Š¸úĈţµ¸ (‚¸ƒÄ‚¸£‡¬¸ú) ÷¸˜¸¸ Income Recognition and Asset Classification of Advances
¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚›¸º¬¸¸£ œÏ¸¨¸š¸¸›¸úˆÅ£µ¸ (IRAC) and Provisioning as per regulatory norms
‚¢ŠÏŸ¸ ¬¸Ÿ¸»í ˆÅú ˆºÅ¥¸ ‚¸¢¬÷¸¡¸¸½¿ ˆÅ¸ ퟸ¸£½ ¥¸½‰¸¸œ¸£ú®¸¸ ´¦«’ˆÅ¸½µ¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ Advances constitute significant Our audit approach included
Ÿ¸í÷¨¸œ¸»µ¸Ä ¢í¬¬¸¸ íÿ. ¨¸½, ‚›¡¸ ¤¸¸÷¸¸Ê ˆ½Å ‚¢ŠÏŸ¸¸Ê ‚¸¾£ ¢›¸¨¸½©¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê portion of the Group’s total testing the design, operating
assets. They are, inter- effectiveness of internal
¬¸¸˜¸-¬¸¸˜¸, ‚¸¡¸ ¢›¸š¸¸Ä£µ¸ ‡¨¸¿ ‚¸¦¬÷¸ ‚¸¡¸ ¢›¸š¸¸Ä£µ¸, ‚¸¦¬÷¸ ¨¸Š¸úĈţµ¸ ‡¨¸¿ alia, governed by income controls and substantive audit
¨¸Š¸úĈţµ¸ (‚¸ƒÄ‚¸£‡¬¸ú) ‚¸¾£ œÏ¸¨¸š¸¸›¸ œÏ¸¨¸š¸¸›¸úˆÅ£µ¸ ˆÅú ³Åœ¸£½‰¸¸, ‚¸¿÷¸¢£ˆÅ recognition, asset classification procedures in respect of income
Ÿ¸¸›¸™¿”¸Ê ‚¸¾£ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ¬¸Ÿ¸¡¸- ¢›¸¡¸¿°¸µ¸ ˆÅú œ¸¢£¸¸¥¸›¸ œÏž¸¸¨¸©¸ú¥¸÷¸¸ and provisioning (IRAC) recognition, asset classification
¬¸Ÿ¸¡¸ œ¸£ ¸¸£ú ¢ˆÅ‡ Š¸‡ ‚›¡¸ œ¸¢£œ¸°¸¸Ê ‚¸¾£ ¬¸Ÿ¸º¢¸÷¸ ¥¸½‰¸¸œ¸£ú®¸¸ œÏ¢ÇÅ¡¸¸‚¸Ê ˆÅ¸ norms and other circulars and provisioning pertaining to
‚¸¾£ ¢›¸™½Ä©¸¸Ê ׸£¸ ©¸¸¢¬¸÷¸ í¸½÷¸½ œ¸£ú®¸µ¸ ©¸¸¢Ÿ¸¥¸ ˜¸¸. ƒ¬¸Ÿ¸Ê ¢¨¸©¸½«¸ ³Åœ¸ and directives issued by the advances and investments. In
RBI from time to time which particular:
¬¸½ ¢›¸Ÿ›¸ ¤¸¸÷¸Ê ©¸¸¢Ÿ¸¥¸ íÿÀ

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Independent Auditors’ Report

íÿ, ¸¸½ ‚¢ŠÏŸ¸¸Ê ˆÅ¸½ ‚¸ÄˆÅ ‡¨¸¿ ‚›¸¸ÄˆÅ • ‡¦œ¥¸ˆ½Å©¸›¸ ¢¬¸¬’Ÿ¸ ¬¸½ œÏ¸œ÷¸ provides guidelines related to • Testing of the exception
‚¢ŠÏŸ¸¸Ê (‡›¸œ¸ú‡) Ÿ¸Ê ¨¸Š¸úĈţµ¸ ¬¸½ ‚œ¸¨¸¸™ ¢£œ¸¸½’¸½ô ˆÅ¸ œ¸£ú®¸µ¸ classification of Advances into reports generated from
performing and non- performing the application systems
¬¸¿¤¸¿¢š¸÷¸ ¢™©¸¸¢›¸™½Ä©¸ œÏ™¸›¸ ˆÅ£÷¸½ íÿ. ¸í¸¿ ‚¢ŠÏŸ¸ ™¸Ä ¢ˆÅ‡ Š¸‡ íÿ.
Advances (NPA) where the advances have
¤¸ÿˆÅ ƒ›¸ ‚¢ŠÏŸ¸¸Ê ˆÅ¸½ ‚¸ƒÄ‚¸£‡¬¸ú • ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¨¸¼í™ †µ¸¸Ê ˆ½Å The Bank classifies these been recorded.
Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ‚œ¸›¸ú ¥¸½‰¸¸ ¤¸¸£½ Ÿ¸Ê ¸¸›¸ˆÅ¸£ú ˆ½Å ˆÊÅÍú¡¸ Advances based on IRAC norms
• Considering the accounts
›¸ú¢÷¸ ‚›¸º¬¸»¸ú ¬¸¿‰¡¸¸À 17 ˆ½Å ‚›¸º¬¸¸£ ž¸¿”¸£ (¬¸ú‚¸£‚¸ƒÄ‡¥¸¬¸ú) as per its accounting policy
reported by the Bank and
Schedule No 17
¨¸Š¸úĈ¼Å÷¸ ˆÅ£÷¸¸ í¾. Ÿ¸Ê ¤¸ÿˆÅ ‚¸¾£ ‚›¡¸ ¤¸ÿˆÅ¸Ê ׸£¸ other banks as Special
¢¨¸©¸½«¸ „¦¥¥¸¢‰¸÷¸ ‰¸¸÷¸¸Ê The identification of performing Mention Accounts
‚¸ÄˆÅ ‚¸¾£ ‚›¸¸ÄˆÅ ‚¢ŠÏŸ¸¸Ê ˆÅú œ¸í¸¸›¸ and non-performing advances (“SMA”) in RBI’s central
("‡¬¸‡Ÿ¸‡") ˆ½Å ³Åœ¸ Ÿ¸Ê ¢£œ¸¸½’Ä involves establishment of proper
Ÿ¸Ê „¢¸÷¸ ÷¸¿°¸ ˆÅú ¬˜¸¸œ¸›¸¸ ©¸¸¢Ÿ¸¥¸ í¾ repository of information
¢ˆÅ‡ Š¸‡ ‰¸¸÷¸¸Ê œ¸£ ™¤¸¸¨¸ ˆÅú mechanism and the Bank is on large credits (CRILC)
‚¸¾£ ¤¸ÿˆÅ ˆÅ¸½ ¢¨¸¢›¸¡¸Ÿ¸¸Ê ׸£¸ ¢›¸š¸¸Ä¢£÷¸
œ¸í¸¸›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¢¨¸¸¸£ required to apply significant to identify stress.
Š¸ºµ¸¸÷Ÿ¸ˆÅ ‚¸¾£ Ÿ¸¸°¸¸÷Ÿ¸ˆÅ, ™¸½›¸¸Ê ˆÅ¸£ˆÅ¸Ê degree of judgement to identify
ˆÅ£›¸¸.
ˆÅ¸½ ¥¸¸Š¸» ˆÅ£ œÏ÷¡¸½ˆÅ ‚›¸¸ÄˆÅ ‚¸¦¬÷¸ and determine the amount of • Reviewing account
('‡›¸œ¸ú‡') ˆ½Å ¢¥¸‡ ‚¸¨¸©¡¸ˆÅ œÏ¸¨¸š¸¸›¸ • Ÿ¸¸°¸¸÷Ÿ¸ˆÅ ‚¸¾£ Š¸ºµ¸¸÷Ÿ¸ˆÅ provision required against each statements and other
ˆÅú £¸¢©¸ ˆÅ¸½ œ¸í¸¸›¸›¸½ ‚¸¾£ ¢›¸š¸¸Ä¢£÷¸ ¸¸½¢‰¸Ÿ¸ ˆÅ¸£ˆÅ¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ non-performing asset (‘NPA’) related information of
applying both quantitative the borrowers selected
ˆÅ£›¸½ ˆ½Å ¢¥¸‡ Ÿ¸í÷¨¸œ¸»µ¸Ä ¢›¸µ¸Ä¡¸ ¥¸½›¸½ ˆÅú ¸¡¸¢›¸÷¸ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆ½Å ‰¸¸÷¸½
as well as qualitative factors based on quantitative and
‚¸¨¸©¡¸ˆÅ÷¸¸ í¸½÷¸ú í¾. ˆ½Å ¢¨¸¨¸£µ¸ ‚¸¾£ ‚›¡¸ ¬¸¿¤¸¿¢š¸÷¸ prescribed by the regulations. qualitative risk factors
‡›¸œ¸ú‡ œ¸í¸¸›¸ ‚¸¾£ œÏ¸¨¸š¸¸›¸ ˆ½Å ¸¸›¸ˆÅ¸£ú ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸
Significant judgements and • Considering reports of
¢¥¸‡ Ÿ¸í÷¨¸œ¸»µ¸Ä ¢›¸µ¸Ä¡¸ ‚¸¾£ ‚›¸ºŸ¸¸›¸ • ¤¸ÿˆÅ ˆÅú ›¸ú¢÷¸¡¸¸Ê ‚¸¾£ œÏ¢ÇÅ¡¸¸‚¸Ê estimates for NPA identification Internal Audit, Credit
¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ Ÿ¸í÷¨¸œ¸»µ¸Ä ‚¡¸˜¸¸˜¸Ä ˆÅ˜¸›¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ‚¸¿÷¸¢£ˆÅ ¥¸½‰¸¸ and provisioning could give rise Audit and Concurrent
ˆÅ¸½ „÷œ¸››¸ ™½ ¬¸ˆÅ÷¸½ íÿÀ to material misstatements on: Audit as per the policies
œ¸£ú®¸¸, ǽŢ”’ ¥¸½‰¸¸ œ¸£ú®¸¸
• Completeness and and procedures of the
• ‚¸ƒÄ‚¸£‡¬¸ú Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚¸¾£ ¬¸Ÿ¸¨¸÷¸úÄ ¥¸½‰¸¸ œ¸£ú®¸¸
timing of recognition of Bank.
‚›¸º¬¸¸£ ‚›¸¸ÄˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¢£œ¸¸½’¸½ô œ¸£ ¢¨¸¸¸£ ˆÅ£›¸¸ non-performing assets in
œ¸í¸¸›¸ ˆÅú ¬¸¿œ¸»µ¸Ä÷¸¸ ‚¸¾£ ¬¸Ÿ¸¡¸ accordance with criteria • We have test checked
• ퟸ›¸½ ‚¢ŠÏŸ¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ™¸Ä advances to examine
¢›¸š¸¸Ä£µ¸. as per IRAC norms;
£¸¢©¸¡¸¸Ê, †µ¸ ™¬÷¸¸¨¸½¸úˆÅ£µ¸ the validity of the
• Measurement of the
• †µ¸ ‡Æ¬¸œ¸¸½{¸£, †µ¸ ˆÅú ˆÅú ¨¸¾š¸÷¸¸ ˆÅú œ¸£ú®¸µ¸ ¸¸¿¸ recorded amounts,
provision for non-
‚¨¸¢š¸ ‚¸¾£ ¨¸Š¸úĈţµ¸, ˆÅú, ¥¸½‰¸¸ ¢¨¸¨¸£µ¸, ‚›¸¸ÄˆÅ loan documentation,
performing assets based
examined the statement
œÏ¢÷¸ž¸»¢÷¸ ˆ½Å ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ on loan exposure, ageing
of accounts, provision
Ÿ¸»¥¡¸ ˆ½Å ‚¸š¸¸£ œ¸£ ‚›¸¸ÄˆÅ ‚¸¾£ ‚¢ŠÏŸ¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚¸¡¸ and classification of the
for non-performing
‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ ˆÅ¸ ¢›¸š¸¸Ä£µ¸, ‚¸¦¬÷¸ ¨¸Š¸úĈţµ¸ loan, realizable value of
assets, and compliance
security;
Ÿ¸¸œ¸›¸; ‡¨¸¿ œÏ¸¨¸š¸¸›¸úˆÅ£µ¸ ˆ½Å ¬¸¿¤¸¿š¸ with income recognition,
Ÿ¸Ê ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¥¸¸Š¸» • Appropriate reversal of asset classification and
• ‡›¸œ¸ú‡ œ¸£ ‚œÏ¸œ÷¸ ‚¸¡¸ ˆÅ¸ unrealized income on the provisioning pertaining
„¢¸÷¸ ¢£¨¸¬¸Ä¥¸; ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸ºœ¸¸¥¸›¸ ˆÅú NPAs. to advances in terms of
¸¸¿¸ ˆÅú. applicable RBI guidelines.
• Ÿ¸¸›¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å œÏ¸¨¸š¸¸›¸ • Judgement involved in
ˆÅ£›¸½ Ÿ¸Ê ¢›¸¢í÷¸ ¢›¸µ¸Ä¡¸. • œ¸í¸¸›¸½ Š¸‡ ‚›¸¸ÄˆÅ ‚¢ŠÏŸ¸¸Ê making provisions for
• For non-performing
‚¸¾£ Ÿ¸¸›¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å standard assets.
advances identified
¤¸ÿˆÅ ‚œ¸›¸½ ˆÅ¸½£ ¤¸ÿ¢ˆ¿ÅŠ¸ ¬¸¸Á¥¡¸»©¸›¸ The Bank accounts for all the
¢¥¸‡, ퟸ›¸½ ™¤¸¸¨¸ŠÏ¬÷¸ ®¸½°¸¸Ê and standard assets,
(¬¸ú¤¸ú‡¬¸) Ÿ¸Ê ‚¢ŠÏŸ¸¸Ê ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¬¸ž¸ú transactions related to Advances we, based on factors
‚¸¾£ ‰¸¸÷¸¸ ÷¸¸¦÷¨¸ˆÅ÷¸¸ ¬¸¢í÷¸
¥¸½›¸™½›¸ ™¸Ä ˆÅ£÷¸¸ í¾. ‡›¸œ¸ú‡ ¨¸Š¸úĈţµ¸ in its Core Banking Solution including stressed
ˆÅ¸£ˆÅ¸Ê ˆ½Å ‚¸š¸¸£ œ¸£, ›¸Ÿ¸»›¸¸ (CBS). NPA classification and
‚¸¾£ œÏ¸¨¸š¸¸›¸ ˆÅú Š¸µ¸›¸¸ ‚¸ƒÄ‚¸£‡¬¸ú sectors and account
‚¸š¸¸£ œ¸£ ‚¸¦¬÷¸ ¨¸Š¸úĈţµ¸ calculation of provision is done materiality, tested on a
‡œ¥¸úˆ½Å©¸›¸ ¬¸¸ÁÉ’¨¸½¡¸£ ›¸¸Ÿ¸ˆÅ ‡ˆÅ
ˆÅú ÷¸¸£ú‰¸¸Ê, ‚œÏ¸œ÷¸ ¤¡¸¸¸ ˆ½Å through another IT System viz. sample basis the asset
‚›¡¸ ‚¸ƒÄ’ú œÏµ¸¸¥¸ú ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ˆÅú IRAC Application Software.
¢£¨¸¬¸Ä¥¸, „œ¸¥¸¤š¸ œÏ¢÷¸ž¸»¢÷¸ classification dates,
¸¸÷¸ú í¾. ¡¸¢™ ‡ˆÅ¥¸ ¡¸¸ ¬¸Ÿ¸ŠÏ ³Åœ¸ Ÿ¸Ê The carrying value of these reversal of unrealized
ˆ½Å Ÿ¸»¥¡¸ ‚¸¾£ ‚¸ƒÄ‚¸£‡¬¸ú
‚¸ƒÄ‚¸£‡¬¸ú Ÿ¸¸›¸™¿”¸Ê ˆÅ¸ “úˆÅ ¬¸½ œ¸¸¥¸›¸ advances (net of provisions) may interest, value of available
Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚›¸º¬¸¸£ œÏ¸¨¸š¸¸›¸ be materially misstated if, either
›¸íú¿ ¢ˆÅ¡¸¸ ¸¸‡ ÷¸¸½ ƒ›¸ ‚¢ŠÏŸ¸¸Ê ˆÅ¸ ¨¸í›¸ security and provisioning
ˆÅú ¸¸¿¸ ˆÅú. ퟸ›¸½ œÏŸ¸º‰¸ individually or in aggregate, the as per IRAC norms. We
Ÿ¸»¥¡¸ (œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸½ ‹¸’¸ˆÅ£) ‚÷¡¸¢š¸ˆÅ
ƒ›¸œ¸º’ ˆÅ¸£ˆÅ¸Ê œ¸£ ¢¨¸¸¸£ ˆÅ£›¸½ IRAC norms are not properly recomputed the provision
³Åœ¸ ¬¸½ ‚¡¸˜¸¸˜¸Ä ¤¸÷¸¸¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾. followed.
ˆ½Å ¤¸¸™ œÏ¸¨¸š¸¸›¸ ˆÅú œ¸º›¸Š¸Äµ¸›¸¸ after considering

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¢›¸¢í÷¸ Ÿ¸í÷¨¸œ¸»µ¸Ä÷¸¸, ¥¸½›¸™½›¸ ˆÅú œÏˆ¼Å¢÷¸, ˆÅú ‚¸¾£ ퟸ¸£½ Ÿ¸¸œ¸ œ¸¢£µ¸¸Ÿ¸¸Ê Considering the materiality the key input factors
¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê, Ÿ¸¸¾¸»™¸ ˆÅú ÷¸º¥¸›¸¸ œÏ¤¸¿š¸›¸ ׸£¸ involved, nature of the and compared our
transactions, regulatory measurement outcome
ˆÅ¸£¸½¤¸¸£ú Ÿ¸¸í¸¾¥¸, „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆÅú ÷¸¾¡¸¸£ ¢ˆÅ‡ Š¸‡ œ¸¢£µ¸¸Ÿ¸¸Ê ¬¸½
requirements, existing to that prepared by
¢¨¸î¸ú¡¸ ‚¨¸¬˜¸¸ ˆ½Å Ÿ¸»¥¡¸¸¿ˆÅ›¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ˆÅú. business environment, management.
‚›¸ºŸ¸¸›¸/¢›¸µ¸Ä¡¸ ¬¸¸˜¸ íú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆ½Å estimation/ judgement involved
in assessment of financial •
• ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, ퟸ›¸½ ©¸¸‰¸¸‚¸Ê/ In addition, we have also
Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸÷¸½ íº‡, ퟸ›¸½
ˆÅ¸¡¸¸Ä¥¸¡¸¸Ê ˆÅ¸ ™¸¾£¸ ˆÅ£›¸½ ‚¸¾£ carried out substantive
ƒ¬¸½ ‡ˆÅ œÏŸ¸º‰¸ ¥¸½‰¸¸ œ¸£ú®¸¸ Ÿ¸¸Ÿ¸¥¸½ ˆ½Å condition of borrowers as well
procedures including
™¬÷¸¸¨¸½¸¸Ê ‚¸¾£ ‚›¡¸ ‚¢ž¸¥¸½‰¸¸Ê as in valuation of securities, we
³Åœ¸ Ÿ¸Ê ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ í¾. visits to branches/
ˆÅú ¸¸¿¸ ˆ½Å ¬¸¸˜¸-¬¸¸˜¸ ‚¢ŠÏŸ¸¸Ê have determined this as a Key
offices and examination
Audit Matter.
ˆ½Å ¢¥¸‡ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê œ¸£ ¬¨¸÷¸¿°¸ of documentation and
Ÿ¸»¥¡¸¸¿ˆÅ›¸ˆÅ÷¸¸Ä‚¸Ê ˆÅú ¢£œ¸¸½’Ä other records as well as
¬¸¢í÷¸ Ÿ¸»¥¸ œÏ¢ÇÅ¡¸¸‡¿ ž¸ú œ¸»£ú reports of independent
valuers on securities to
ˆÅú íÿ. advances.

• ‚›¡¸ ©¸¸‰¸¸‚¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê, • In respect of other

ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ œÏ¢ÇÅ¡¸¸‚¸Ê Branches, our audit
procedures included
Ÿ¸Ê ƒ¥¸½Æ’ï¸Á¢›¸ˆÅ Ÿ¸¸š¡¸Ÿ¸ ¬¸½
review of sample
¤¸ÿˆÅ ׸£¸ íŸ¸Ê „œ¸¥¸¤š¸ ˆÅ£¸‡ advances based on
Š¸‡ ¬ˆ¾Å›¸ ¢ˆÅ‡ Š¸‡ ¢£ˆÅ¸Á”Ä/ scanned records/
¢£œ¸¸½’Ä/ ™¬÷¸¸¨¸½¸¸Ê/ œÏŸ¸¸µ¸œ¸°¸¸Ê reports/ documents/
ˆ½Å ‚¸š¸¸£ œ¸£ ›¸Ÿ¸»›¸¸ ‚¢ŠÏŸ¸¸Ê certificates made
available to us by the
ˆÅú ¬¸Ÿ¸ú®¸¸, ¬¸ú¤¸ú‡¬¸ ˆ½Å ¢£Ÿ¸¸½’
Bank through electronic
‡Æ¬¸½¬¸ ‚¸¾£ ¤¸ÿˆÅ ˆ½Å ¬¸º£¢®¸÷¸ mode and remote access
›¸½’¨¸ˆÄÅ œ¸£ ‚›¡¸ œÏ¸¬¸¿¢Š¸ˆÅ to CBS and other relevant
‡¦œ¥¸ˆ½Å©¸›¸ ¬¸¸ÁÉ’¨¸½¡¸£ ©¸¸¢Ÿ¸¥¸ application software over
íÿ. secure network of the
Bank.
¬¸»¸›¸¸ œÏ¸¾Ô¸¸½¢Š¸ˆÅú (‚¸ƒÄ’ú) œÏµ¸¸¢¥¸¡¸¸¿ ‚¸¾£ ¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ œ¸£
¢›¸¡¸¿°¸µ¸ Information Technology (IT) Systems and controls over
financial reporting
¤¸ÿˆÅ ˆÅú œÏŸ¸º‰¸ ¢¨¸î¸ú¡¸ ¥¸½‰¸¸¿ˆÅ›¸ ¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆÅú ‚¸ƒÄ’ú
The Bank’s key financial As a part of our audit procedures
¨¸ ¢£œ¸¸½¢’ôŠ¸ œÏ¢ÇÅ¡¸¸‡Â ˆÅ¸½£ ¤¸ÿ¢ˆ¿ÅŠ¸, œÏµ¸¸¢¥¸¡¸¸Ê ‚¸¾£ ¬¸¿¤¸¿¢š¸÷¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú
accounting and reporting for review of the Bank’s IT
‚¸ƒÄ‚¸£‡¬¸ú ‚¸¾£ ’ｏ¸£ú ¬¸Ÿ¸¸š¸¸›¸¸Ê ÷¸˜¸¸ ¬¸Ÿ¸ú®¸¸ ˆ½Å ¢¥¸‡ ퟸ¸£ú ¥¸½‰¸¸ œ¸£ú®¸¸ processes are highly dependent systems and related controls for
‚›¡¸ ¬¸í¸¡¸ˆÅ ¬¸¸ÁÉ’¨¸½¡¸£ ‚¸¾£ í¸”Ä¨¸½¡¸£ œÏ¢ÇÅ¡¸¸‚¸Ê ˆ½Å ‡ˆÅ ž¸¸Š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê on Core Banking, IRAC and financial reporting:
¢›¸¡¸¿°¸µ¸¸Ê œ¸£ ƒ÷¸›¸ú ¡¸¸™¸ ¢›¸ž¸Ä£ íÿ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ¤¸¸÷¸Ê ©¸¸¢Ÿ¸¥¸ íÿÀ Treasury Solutions and other
• We have planned,
¢ˆÅ ‚¸ƒÄ’ú ¢›¸¡¸¿°¸µ¸ Ÿ¸Ê ˆÅŸ¸ú í¸½›¸½ œ¸£ • supporting software and
ퟸ›¸½ ¤¸ÿˆÅ ˆÅú ‚¸ƒÄ’ú œÏµ¸¸¥¸ú ˆÅ¸½ hardware controls such that designed and carried
¢¨¸î¸ú¡¸ ¥¸½‰¸¸¿ˆÅ›¸ ¨¸ ¢£œ¸¸½¢’ôŠ¸ ¢£ˆÅ¸”¸½ô ˆ½Å š¡¸¸›¸ Ÿ¸Ê £‰¸÷¸½ íº‡ ¥¸½‰¸¸ œ¸£ú®¸¸ out the audit procedures
there exists a risk that gaps in
‚÷¡¸¢š¸ˆÅ ³Åœ¸ ¬¸½ Š¸¥¸÷¸ í¸½›¸½ ˆÅ¸ ¸¸½¢‰¸Ÿ¸ œÏ¢ÇÅ¡¸¸‚¸Ê ‚¸¾£ ›¸Ÿ¸»›¸¸ ¸¸¿¸ ˆÅú the IT control environment could and sample checks,
¤¸›¸¸ £í÷¸¸ í¾. taking into consideration
¡¸¸½¸›¸¸ ¤¸›¸¸ƒÄ í¾, „›íÊ ¢”¸¸ƒ›¸ result in the financial accounting
the IT systems of the
¢ˆÅ¡¸¸ í¾ ‚¸¾£ ¢›¸«œ¸¸¢™÷¸ ¢ˆÅ¡¸¸ and reporting records being
¤¸ÿˆÅ ‚œ¸›¸ú ¬¸Ÿ¸ŠÏ ¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ materially misstated. Bank. We obtained an
ˆ½Å ¢¥¸‡ ˆÅƒÄ œÏµ¸¸¢¥¸¡¸¸Ê ˆÅ¸ „œ¸¡¸¸½Š¸ í¾. ퟸ›¸½ „›¸ˆÅú œ¸¡¸¸Äœ÷¸÷¸¸ ˆÅ¸ understanding of Bank’s
Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¢¨¸¢ž¸››¸ The Bank uses several systems IT environment including
ˆÅ£÷¸¸ í¾ ‚¸¾£ œÏ¢÷¸¢™›¸ ˆÅƒÄ ¬˜¸¸›¸¸Ê œ¸£
œÏµ¸¸¢¥¸¡¸¸Ê ˆ½Å ‡ˆÅúˆÅ£µ¸ ¬¸¢í÷¸ for its overall financial reporting integration of various
¤¸”õú Ÿ¸¸°¸¸ Ÿ¸Ê ¥¸½›¸™½›¸ ™¸Ä ¢ˆÅ‡ ¸¸ £í½ and there is a large volume of systems to evaluate their
íÿ. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, ¤¸ÿˆÅ ˆ½Å ¢¬¸¬’Ÿ¸ ¤¸ÿˆÅ ˆ½Å ‚¸ƒÄ’ú ¨¸¸÷¸¸¨¸£µ¸ ˆÅú transactions being recorded adequacy.
‚¸¾£ ”½’¸ ˆÅú ‚‰¸¿”÷¸¸ ˆÅú £®¸¸ ˆÅ£›¸½ ¬¸Ÿ¸¸ œÏ¸œ÷¸ ˆÅú í¾. at multiple locations daily. In
addition, there are increasing • We tested IT general
ˆ½Å ¢¥¸‡ ¸º›¸¸¾¢÷¸¡¸¸Â ¤¸õ÷¸ú ¸¸ £íú • ퟸ›¸½ ‚¸ƒÄ’ú ¬¸¸Ÿ¸¸›¡¸ ¢›¸¡¸¿°¸µ¸¸Ê controls (logical access,
challenges to protect the
íÿ ‚¸¾£ í¸¥¸ ˆÅú ‚¨¸¢š¸ Ÿ¸Ê ¬¸¸ƒ¤¸£ (÷¸¸¢ˆÄňŠœ¸íº¿¸, œ¸¢£¨¸÷¸Ä›¸ changes management
integrity of the Bank’s systems
¬¸º£®¸¸ ‡ˆÅ Ÿ¸í÷¨¸œ¸»µ¸Ä ¸¸½¢‰¸Ÿ¸ ¤¸›¸ œÏ¤¸¿š¸›¸ ‚¸¾£ ‚¸ƒÄ’ú œ¸¢£¸¸¥¸›¸ and data since cyber security and aspects of IT
Š¸ƒÄ í¾. ¢›¸¡¸¿°¸µ¸ ˆ½Å œ¸í¥¸º‚¸Ê) ˆÅ¸ operational controls).
has become a more significant
This included testing that
risk in recent periods.

dm{f©H$ [anmoQ>© Annual Report 2023-24 443

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Independent Auditors’ Report

‚¸ƒÄ’ú œ¸¡¸¸Ä¨¸£µ¸ ˆÅú ¨¡¸¸œ¸ˆÅ œÏˆ¼Å¢÷¸ ‚¸¾£ œ¸£ú®¸µ¸ ¢ˆÅ¡¸¸. ƒ¬¸Ÿ¸Ê ¢¬¸¬’Ÿ¸ Due to the pervasive nature and requests for access to
¸¢’¥¸÷¸¸ ˆ½Å ¬¸¸˜¸-¬¸¸˜¸ ¬¸’úˆÅ ‚¸¾£ ÷¸ˆÅ œ¸íº¿¸ ˆ½Å ‚›¸º£¸½š¸¸Ê ˆÅú complexity of the IT environment systems were reviewed
¬¸Ÿ¸ú®¸¸ ˆÅ£›¸½ ¨¸ œÏ¸¢š¸ˆ¼Å÷¸ ˆÅ£›¸½ as well as its importance in and authorised. We
¬¸Ÿ¸¡¸ œ¸£ ¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê
ˆÅ¸ œ¸£ú®¸µ¸ ž¸ú ©¸¸¢Ÿ¸¥¸ ˜¸¸. relation to accurate and timely inspected requests of
ƒ¬¸ˆ½Å Ÿ¸í÷¨¸ ˆ½Å ˆÅ¸£µ¸, ퟸ›¸½ ƒ¬¸ ®¸½°¸ ˆÅ¸½ financial reporting, we have changes to systems
‡ˆÅ œÏŸ¸º‰¸ ¥¸½‰¸¸ œ¸£ú®¸¸ Ÿ¸¸Ÿ¸¥¸½ ˆ½Å ³Åœ¸ Ÿ¸Ê ퟸ›¸½ ‚›¸ºŸ¸¸½™›¸ ‚¸¾£ œÏ¸¢š¸ˆÅ£µ¸
identified this area as a Key for approval and
ˆ½Å ¢¥¸‡ ¢¬¸¬’Ÿ¸ Ÿ¸Ê ¤¸™¥¸¸¨¸ ˆ½Å
‚¢ž¸¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ í¾. Audit Matter. authorisation. We have
‚›¸º£¸½š¸¸Ê ˆÅ¸ ¢›¸£ú®¸µ¸ ¢ˆÅ¡¸¸. also reviewed system of
ퟸ›¸½ ›¸Ÿ¸»›¸¸ ‚¸š¸¸£ œ¸£ ¥¸½‰¸¸ the recording Audit trails
œ¸£ú®¸¸ ’ï½¥¸ ˆÅú ¢£ˆÅ¸¢”ôŠ¸ ˆÅú on a sample basis and
œÏµ¸¸¥¸ú ˆÅú ž¸ú ¬¸Ÿ¸ú®¸¸ ˆÅú í¾ also reviewed the reports
‚¸¾£ Ÿ¸í÷¨¸œ¸»µ¸Ä ‡¦œ¥¸ˆ½Å©¸›¸¸Ê ˆ½Å obtained by bank on
¥¸½‰¸¸ œ¸£ú®¸¸ ’ï½¥¸ œÏµ¸¸¥¸ú œ¸£ the Audit trail system for
¤¸ÿˆÅ ׸£¸ œÏ¸œ÷¸ ¢ˆÅ‡ Š¸‡ ¢£œ¸¸½’Ä critical applications.
ˆÅú ž¸ú ¬¸Ÿ¸ú®¸¸ ˆÅú. • Considering reports on
• ‚¸¿÷¸¢£ˆÅ ¥¸½‰¸¸ œ¸£ú®¸¸ IS audit conducted by
¢¨¸ž¸¸Š¸ ׸£¸ ˆÅú Š¸ƒÄ ‚¸ƒÄ‡¬¸ Internal audit department
and External IT System
¥¸½‰¸¸œ¸£ú®¸¸ ¢£œ¸¸½’Ä ‚¸¾£
audit report for IRAC as
‚¸ƒÄ‚¸£‡¬¸ú ˆ½Å ¢¥¸‡ ˆÅú Š¸ƒÄ well as the audit report
¤¸¸à¸ ‚¸ƒÄ’ú œÏµ¸¸¥¸ú ¥¸½‰¸¸ of Internal Financial
œ¸£ú®¸¸ ¢£œ¸¸½’Ä ÷¸˜¸¸ ¬¸¸˜¸ íú, Control over Financial
¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£ ˆÅú ‡ˆÅ ¬¨¸÷¸¿°¸ Reporting conducted by
ûÅŸ¸Ä ׸£¸ ˆÅú Š¸ƒÄ ¢¨¸î¸ú¡¸ an independent firm of
¢£œ¸¸½¢’ôŠ¸ œ¸£ ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ Chartered Accountants.
¢›¸¡¸¿°¸µ¸ ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ¢£œ¸¸½’Ä • In addition to the
ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸¸ Š¸¡¸¸. above, we tested the
• „œ¸£¸½Æ÷¸ ˆ½Å ‚¥¸¸¨¸¸, ퟸ›¸½ ˆºÅŽ design and operating
¬¨¸¸¸¢¥¸÷¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆ½Å ¢”¸¸ƒ›¸ effectiveness of certain
‚¸¾£ ¬¸¿¸¸¥¸›¸ œÏž¸¸¨¸©¸ú¥¸÷¸¸ automated controls
ˆÅ¸ œ¸£ú®¸µ¸ ¢ˆÅ¡¸¸ ¢¸›íÊ ¢¨¸î¸ú¡¸ that were considered
¢£œ¸¸½¢’ôŠ¸ œ¸£ œÏŸ¸º‰¸ ‚¸¿÷¸¢£ˆÅ as key internal controls
over financial reporting.
¢›¸¡¸¿°¸µ¸ Ÿ¸¸›¸¸ ¸¸÷¸¸ ˜¸¸. ¸í¸¿
Where deficiencies were
ˆÅ¢Ÿ¸¡¸¸Ê ˆÅú œ¸í¸¸›¸ ˆÅú Š¸ƒÄ ˜¸ú, identified, we sought
¨¸í¸Â ퟸ›¸½ ®¸¢÷¸œ¸»¢÷¸Ä ¢›¸¡¸¿°¸µ¸¸Ê explanations regarding
ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¬œ¸«’úˆÅ£µ¸ Ÿ¸¸¿Š¸¸ compensating controls or
‚˜¸¨¸¸ ¨¸¾ˆÅ¦¥œ¸ˆÅ ¥¸½‰¸¸œ¸£ú®¸¸ performed alternate audit
œÏ¢ÇÅ¡¸¸‡¿ ¬¸¿œ¸››¸ ˆÅú. procedures
¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ‚¸¾£ „›¸ œ¸£ ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê ˆÅú ¢£œ¸¸½’Ä ˆ½Å ‚¥¸¸¨¸¸ Information Other Than Consolidated Financial Statements and
‚›¡¸ ¸¸›¸ˆÅ¸£ú Auditors’ Report Thereon

The Bank’s Board of Directors is responsible for the preparation of

‚›¡¸ ¸¸›¸ˆÅ¸£ú ÷¸¾¡¸¸£ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆÅ¸ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ „™¸¡¸ú í¾. ‚›¡¸ other information. The Other Information comprises the information
¸¸›¸ˆÅ¸£ú Ÿ¸Ê œÏ¤¸¿š¸ ¢¨¸¨¸½¸›¸¸ ‡¨¸¿ ¢¨¸©¥¸½«¸µ¸, ¤¸¸½”Ä ˆÅú ¢£œ¸¸½’Ä ˆ½Å ‚›¸º¤¸¿š¸¸Ê ¬¸¢í÷¸ ¤¸¸½”Ä included in the Management Discussion and Analysis, Board’s Report
ˆÅú ¢£œ¸¸½’Ä, ¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ „™¸¢¡¸÷¨¸ ‡¨¸¿ ¬¸¿š¸¸£µ¸ú¡¸÷¸¸ ¢£œ¸¸½’Ä, ˆÅ¸Á£œ¸¸½£½’ ‚¢ž¸©¸¸¬¸›¸ including Annexures to Board’s Report, Business Responsibility and
Sustainability Report, Corporate Governance and Shareholders
‚¸¾£ ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆÅú ¸¸›¸ˆÅ¸£ú (¬¸¸Ÿ¸»¢íˆÅ ³Åœ¸ ¬¸½ `‚›¡¸ ¸¸›¸ˆÅ¸£ú' ˆ½Å ³Åœ¸ Ÿ¸Ê ¢›¸¢™Ä«’) information (collectively called as “Other Information”) but does not
©¸¸¢Ÿ¸¥¸ íÿ ¥¸½¢ˆÅ›¸ ƒ›¸Ÿ¸Ê ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ‚¸¾£ „›¸ œ¸£ ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê ˆÅú include the Consolidated Financial Statements and our auditor’s
¢£œ¸¸½’Ä ©¸¸¢Ÿ¸¥¸ ›¸íú¿ íÿ. „œ¸¡¸ºÄÆ÷¸ ‚›¸º¬¸¸£ ‚¢÷¸¢£Æ÷¸ ¸¸›¸ˆÅ¸£ú ƒ¬¸ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ ¢£œ¸¸½’Ä report thereon. The Other information as above is expected to be
made available to us after the date of this Auditors’ report.
ˆÅú ÷¸¸£ú‰¸ ˆ½Å ¤¸¸™ íŸ¸Ê „œ¸¥¸¤š¸ ˆÅ£¸‡ ¸¸›¸½ ˆÅú ‚¸©¸¸ í¾.
Our opinion on the Consolidated Financial Statements does not cover
¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê œ¸£ ퟸ¸£½ ‚¢ž¸Ÿ¸÷¸ Ÿ¸Ê ‚›¡¸ ¸¸›¸ˆÅ¸£ú ©¸¸¢Ÿ¸¥¸ ›¸íú¿ í¾ ‚¸¾£ ퟸ the Other Information and we do not express any form of assurance/
‚›¡¸ ¸¸›¸ˆÅ¸£ú œ¸£ ¢ˆÅ¬¸ú ÷¸£í ˆÅ¸ ‚¸æ¸¸¬¸›¸/¢›¸«ˆÅ«¸Ä ›¸íú¿ ™½÷¸½ íÿ. conclusion on the other information.

¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê, ퟸ¸£ú ¢¸ŸŸ¸½™¸£ú ¡¸í í¾ In connection with our audit of the Consolidated Financial Statements,
our responsibility is to read the Other Information identified above
¢ˆÅ íŸ¸Ê „œ¸¥¸¤š¸ ˆÅ£¸‡ ¸¸›¸½ œ¸£ …œ¸£ ¢›¸¢™Ä«’ ‚›¡¸ ¸¸›¸ˆÅ¸£ú ˆÅ¸ ‚š¡¸¡¸›¸ ˆÅ£Ê ‚¸¾£ when it becomes available and, in doing so, consider whether the

444 Friendship That

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Corporate Overview Statutory Reports Financial Statements

‡½¬¸¸ ˆÅ£÷¸½ ¬¸Ÿ¸¡¸ ¡¸í ¢¨¸¸¸£ ˆÅ£Ê ¢ˆÅ Æ¡¸¸ ‚›¡¸ ¸¸›¸ˆÅ¸£ú ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ¬¸½ Other Information is materially inconsistent with the Consolidated
Financial Statements or our knowledge obtained in the audit or
‚˜¸¨¸¸ ¥¸½‰¸¸œ¸£ú®¸¸ Ÿ¸Ê ퟸ¸£½ ׸£¸ œÏ¸œ÷¸ ˆÅú Š¸ƒÄ ¬¸»¸›¸¸ ¬¸½ ÷¸¸¦î¨¸ˆÅ ³Åœ¸ ¬¸½ ‚¬¸¿Š¸÷¸ í¾ otherwise appears to be materially misstated. When we read the
¡¸¸ ‚›¡¸˜¸¸ ÷¸¸¦î¨¸ˆÅ ³Åœ¸ ¬¸½ Š¸¥¸÷¸ œÏ÷¸ú÷¸ í¸½÷¸ú í¾. ‚›¡¸ ¸¸›¸ˆÅ¸£ú ˆÅ¸ ‚š¡¸¡¸›¸ ˆÅ£›¸½ other information, if we conclude that there is a material misstatement
œ¸£ ¡¸¢™ ퟸ ¡¸í ¢›¸«ˆÅ«¸Ä ¢›¸ˆÅ¸¥¸÷¸½ íÿ ¢ˆÅ ƒ¬¸ ‚›¡¸ ¸¸›¸ˆÅ¸£ú Ÿ¸Ê ˆÅ¸½ƒÄ ÷¸¸¦÷¨¸ˆÅ ¢¨¸¬¸¿Š¸¢÷¸ therein, we are required to communicate the matter to those charged
í¾, ÷¸¸½ ퟸ¸£½ ¢¥¸‡ „¬¸ ÷¸˜¡¸ ˆÅ¸½ ‚¢ž¸©¸¸¬¸›¸ ˆ½Å œÏž¸¸£ú ¨¡¸¢Æ÷¸¡¸¸Ê ˆÅ¸½ „¬¸ˆÅú ¬¸»¸›¸¸ ™½›¸¸ with governance.
‚¸¨¸©¡¸ˆÅ í¾. Responsibilities of Management and Those Charged with
œÏ¤¸¿š¸›¸ ‡¨¸¿ ‚¢ž¸©¸¸¬¸›¸ ˆ½Å œÏž¸¸£ú ¨¡¸¢Æ÷¸¡¸¸Ê ˆÅú ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú Governance for the Consolidated Financial Statements
¢¸ŸŸ¸½™¸£ú The Bank’s Management and Board of Directors is responsible for
the matters stated in section 134(5) of the Companies Act, 2013 (‘the
¤¸ÿˆÅ ˆÅ¸ œÏ¤¸¿š¸›¸ ‚¸¾£ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ˆ¿Åœ¸¢›¸¡¸¸Ê ˆ½Å ¢¥¸‡ ‚¸¨¸©¡¸ˆÅ ÷¸£úˆ½Å Act’) with respect to the preparation of these Consolidated Financial
¬¸½ ƒ›¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ÷¸¾¡¸¸£ú ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 Statements in the manner required for Banking companies and
(`‚¢š¸¢›¸¡¸Ÿ¸') ˆÅú š¸¸£¸ 134 (5) Ÿ¸Ê „¦¥¥¸¢‰¸÷¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆ½Å ¢¥¸‡ ¢¸ŸŸ¸½™¸£ í¾, that give a true and fair view of the consolidated financial position,
¸¸½ ‚¢š¸¢›¸¡¸Ÿ¸ ˆÅú š¸¸£¸ 133 ˆ½Å ¤¸ÿˆÅ œ¸£ ¥¸¸Š¸» œÏ¸¨¸š¸¸›¸¸½¿ ‚¸¾£ ¤¸ÿˆÅˆÅ¸£ú ¢¨¸¢›¸¡¸Ÿ¸›¸ consolidated financial performance and consolidated cash flows
of the Group including its associate companies in accordance with
‚¢š¸¢›¸¡¸Ÿ¸,1949 ˆÅú š¸¸£¸ 29 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ÷¸˜¸¸ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ (`‚¸£¤¸ú‚¸ƒÄ') the accounting principles generally accepted in India, including the
׸£¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ¸¸£ú œ¸¢£œ¸°¸¸Ê ‡¨¸¿ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ÷¸í÷¸ ¢¨¸¢›¸¢™Ä«’ ¥¸½‰¸¸¿ˆÅ›¸ Accounting Standards specified under section 133 of the Act, in
Ÿ¸¸›¸ˆÅ¸Ê ¬¸¢í÷¸, ž¸¸£÷¸ Ÿ¸Ê ¬¸¸Ÿ¸¸›¡¸÷¸¡¸¸ ¬¨¸úˆ¼Å÷¸ ¥¸½‰¸¸¿ˆÅ›¸ ¢¬¸Ö¸¿÷¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¬¸Ÿ¸»í so far as they apply to the Bank and provisions of Section 29 of
ˆÅú ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¦¬˜¸¢÷¸, ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ‡¨¸¿ ¬¸Ÿ¸½¢ˆÅ÷¸ ›¸ˆÅ™ú œÏ¨¸¸í the Banking Regulation Act, 1949 and circulars and guidelines
ˆÅú ¬¸íú ‚¸¾£ „¢¸÷¸ ¦¬˜¸¢÷¸ œÏ¬÷¸º÷¸ ˆÅ£÷¸½ íÿ. ¬¸Ÿ¸»í Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ¬¸¿¬˜¸¸‚¸Ê ‚¸¾£ ƒ¬¸ˆÅú issued by the Reserve Bank of India (‘RBI’) from time to time. The
respective Board of Directors of the entities included in the Group
¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‚¸Ê ˆ½Å ¬¸¿¤¸¿¢š¸÷¸ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅú ¢¸ŸŸ¸½™¸£ú ¬¸Ÿ¸»í ˆÅú ‚¸¦¬÷¸¡¸¸Ê ˆÅú and of its associates are responsible for maintenance of adequate
¬¸º£®¸¸ ˆ½Å ¢¥¸‡ ÷¸˜¸¸ š¸¸½‰¸¸š¸”õú ‡¨¸¿ ‚›¡¸ ‚¢›¸¡¸¢Ÿ¸÷¸÷¸¸‚¸Ê ˆÅ¸½ £¸½ˆÅ›¸½ ‡¨¸¿ „›¸ˆÅ¸ œ¸÷¸¸ accounting records in accordance with the provisions of the Act
¥¸Š¸¸›¸½ ˆ½Å ¢¥¸‡ ‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚›¸º¬¸¸£ œ¸¡¸¸Äœ÷¸ ¥¸½‰¸¸ ¢£ˆÅ¸Á”Ä ¤¸›¸¸‡ £‰¸›¸¸, for safeguarding of the assets of the Group and for preventing and
„œ¸¡¸ºÆ÷¸ ¥¸½‰¸¸¿ˆÅ›¸ ›¸ú¢÷¸¡¸¸Ê ˆÅ¸ ¸¡¸›¸ ˆÅ£›¸¸ ‚¸¾£ „›íÊ ¥¸¸Š¸» ˆÅ£›¸¸, ÷¸ˆÄÅœ¸»µ¸Ä ‚¸¾£ detecting frauds and other irregularities; selection and application of
appropriate accounting policies; making judgments and estimates
¢¨¸¨¸½ˆÅ¬¸ŸŸ¸÷¸ ¢›¸µ¸Ä¡¸ ¥¸½›¸¸ ‚¸¾£ œ¸»¨¸¸Ä›¸ºŸ¸¸›¸ ¥¸Š¸¸›¸¸ ÷¸˜¸¸ œ¸¡¸¸Äœ÷¸ ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸ that are reasonable and prudent; and design, implementation and
÷¸¾¡¸¸£ ˆÅ£›¸¸, „›íÊ ˆÅ¸¡¸¸Ä¦›¨¸÷¸ ˆÅ£›¸¸ ÷¸˜¸¸ „›íÊ ¤¸›¸¸‡ £‰¸›¸¸, ¸¸½ ¥¸½‰¸¸¿ˆÅ›¸ ¢£ˆÅ¸Á”Ä ˆÅú maintenance of adequate internal financial controls, that were
©¸ºÖ÷¸¸ ‚¸¾£ œ¸¢£œ¸»µ¸Ä÷¸¸ ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ œÏž¸¸¨¸ú ³Åœ¸ ¬¸½ œ¸¢£¸¸¢¥¸÷¸ ˜¸½, ¬¸íú ‡¨¸¿ operating effectively for ensuring the accuracy and completeness of
„¢¸÷¸ ¦¬˜¸¢÷¸ œÏ¬÷¸º÷¸ ˆÅ£›¸½ ¨¸¸¥¸ú š¸¸½‰¸¸š¸”õú ¡¸¸ Š¸¥¸÷¸ú ˆ½Å ˆÅ¸£µ¸ í¸½›¸½ ¨¸¸¥¸½ Ÿ¸í÷¨¸œ¸»µ¸Ä the accounting records, relevant to the preparation and presentation
¢Ÿ¸˜¡¸¸ ˆÅ˜¸›¸ ¬¸½ Ÿ¸ºÆ÷¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ÷¸¾¡¸¸£ ‚¸¾£ œÏ¬÷¸º÷¸ ˆÅ£›¸½ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸, of the Consolidated Financial Statements that give a true and fair
view and are free from material misstatement, whether due to fraud
¸¸½ „œ¸¡¸ºÄÆ÷¸¸›¸º¬¸¸£ ¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ¸Ê ׸£¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅ¸½ ÷¸¾¡¸¸£ ˆÅ£›¸½ ˆ½Å or error which have been used for the purpose of preparation of the
„Ó½©¡¸ ˆ½Å ¢¥¸‡ „œ¸¡¸¸½Š¸ ¢ˆÅ¡¸½ Š¸¡¸½ íÿ. consolidated financial statements by the Directors of the Bank, as
¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅ¸½ ÷¸¾¡¸¸£ ˆÅ£›¸½ Ÿ¸Ê ¬¸Ÿ¸»í Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ˆ¿Åœ¸¢›¸¡¸¸Ê ‚¸¾£ ƒ¬¸ˆÅú aforesaid.
¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê ˆ½Å ¬¸¿¤¸¦›š¸÷¸ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ¬¸Ÿ¸»í ‚¸¾£ ƒ¬¸ˆÅú ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê ˆ½Å In preparing the Consolidated Financial Statements, the respective
ˆÅ¸¡¸Ä©¸ú¥¸ ¬¸¿¬˜¸¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¸¸£ú £í›¸½ ˆÅú ®¸Ÿ¸÷¸¸ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ£›¸½, ˆÅ¸¡¸Ä©¸ú¥¸ ¬¸¿¬˜¸¸ Board of Directors of the companies included in the Group and its
associate companies are responsible for assessing the ability of
¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¢¨¸«¸¡¸¸Ê ˆ½Å ¡¸˜¸¸ ¥¸¸Š¸» œÏˆÅ’úˆÅ£µ¸ ˆÅ£›¸½, ¥¸½‰¸¸¿ˆÅ›¸ ˆÅú ˆÅ¸¡¸Ä©¸ú¥¸ ¬¸¿¬˜¸¸ the Group and of its associates to continue as a going concern,
‚¸š¸¸£ ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¸¨¸¸¤¸™½í íÿ ¸¤¸ ÷¸ˆÅ ¢ˆÅ œÏ¤¸¿š¸›¸ ˆÅ¸ ƒ£¸™¸ ¬¸Ÿ¸»í disclosing, as applicable, matters related to going concern and using
ˆÅ¸ œ¸¢£¬¸Ÿ¸¸œ¸›¸ ˆÅ£›¸½ ¡¸¸ œ¸¢£¸¸¥¸›¸ ¤¸¿™ ˆÅ£›¸½ ˆÅ¸ ›¸ í¸½ ¡¸¸ ‡½¬¸¸ ›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ˆÅ¸½ƒÄ the going concern basis of accounting unless the Management either
¨¸¸¬÷¸¢¨¸ˆÅ ¢¨¸ˆÅ¥œ¸ ›¸ í¸½. intends to liquidate the group or to cease operations, or has no
realistic alternative but to do so.
ƒ¬¸ˆÅú ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê ¬¸¢í÷¸ ¬¸Ÿ¸»í Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ˆ¿Åœ¸¢›¸¡¸¸Ê ˆ½Å ¬¸¿¤¸¦›š¸÷¸ ¢›¸™½©¸ˆÅ Ÿ¸µ”¥¸
ƒ¬¸ˆÅú ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê ¬¸¢í÷¸ ¬¸Ÿ¸»í ˆÅú ¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ œÏµ¸¸¥¸ú ˆ½Å ¢›¸£ú®¸µ¸ ˆ½Å ¢¥¸‡ The respective Board of Directors of the companies included in the
Group including its associate companies are also responsible for
ž¸ú ¢¸ŸŸ¸½™¸£ íÿ. overseeing the financial reporting process of the Group including its
¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ¢¥¸‡ ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê ˆÅú associate companies.
¢¸ŸŸ¸½™¸¢£¡¸¸¿ Auditors’ Responsibilities for the audit of the Consolidated
Financial Statements
ퟸ¸£¸ „Ó½©¡¸ ƒ¬¸ ¤¸¸÷¸ ˆÅ¸ ‚¸æ¸¸¬¸›¸ œÏ¸œ÷¸ ˆÅ£›¸¸ í¾ ¢ˆÅ ¬¸Ÿ¸ŠÏ ³Åœ¸ ¬¸½ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸
¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê š¸¸½‰¸¸š¸”õú ¡¸¸ °¸º¢’ ˆ½Å ˆÅ¸£µ¸ ˆÅ¸½ƒÄ Ÿ¸í÷¨¸œ¸»µ¸Ä ¢Ÿ¸˜¡¸¸ ˆÅ˜¸›¸ ›¸ í¸½ ‚¸¾£ ‡½¬¸ú Our objectives are to obtain reasonable assurance about whether the
Consolidated Financial Statements as a whole are free from material
¥¸½‰¸¸œ¸£ú®¸¸ ¢£œ¸¸½’Ä ¸¸£ú í¸½ ¢¸¬¸Ÿ¸Ê ퟸ¸£ú £¸¡¸ ©¸¸¢Ÿ¸¥¸ í¸½. „¢¸÷¸ ‚¸æ¸¸¬¸›¸ ‡ˆÅ „¸ misstatement, whether due to fraud or error, and to issue an auditor’s
¬÷¸£ ˆÅ¸ ‚¸æ¸¸¬¸›¸ í¸½÷¸¸ í¾ ¥¸½¢ˆÅ›¸ ¡¸í ˆÅ¸½ƒÄ Š¸¸£¿’ú ›¸íú¿ í¾ ¢ˆÅ ‡¬¸‡ ˆ½Å ‚›¸º³Åœ¸ ˆÅú Š¸ƒÄ report that includes our opinion. Reasonable assurance is a high
¥¸½‰¸¸œ¸£ú®¸¸ Ÿ¸Ê œ¸í¥¸½ ¬¸½ Ÿ¸¸¾¸»™ Ÿ¸í÷¨¸œ¸»µ¸Ä ¢Ÿ¸˜¡¸¸ ˆÅ˜¸›¸ ˆÅú ퟸ½©¸¸ œ¸í¸¸›¸ í¸½ ¸¸‡. level of assurance but is not a guarantee that an audit conducted
š¸¸½‰¸¸š¸”õú ¡¸¸ °¸º¢’ ˆ½Å ˆÅ¸£µ¸ ¢Ÿ¸˜¡¸¸ ˆÅ˜¸›¸ ´¦«’Š¸¸½¸£ í¸½÷¸¸ í¾ ‚¸¾£ ƒ¬¸½ Ÿ¸í÷¨¸œ¸»µ¸Ä in accordance with SAs will always detect a material misstatement
÷¸¤¸ Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ¡¸í ¬¸¿ž¸¸¨¸›¸¸ í¸½ ¢ˆÅ ¡¸í ‚ˆ½Å¥¸½ ¡¸¸ ¬¸Ÿ¸ŠÏ ³Åœ¸ ¬¸½ ƒ›¸ ¬¸Ÿ¸½¢ˆÅ÷¸ when it exists. Misstatements can arise from fraud or error and are
considered material if, individually or in the aggregate, they could
¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ¢¥¸‡ Š¸‡ œÏ¡¸¸½Æ÷¸¸‚¸Ê ˆ½Å ‚¸¢˜¸ÄˆÅ ¢›¸µ¸Ä¡¸¸Ê ˆÅ¸½ œÏž¸¸¢¨¸÷¸ reasonably be expected to influence the economic decisions of users
ˆÅ£ ¬¸ˆÅ÷¸¸ í¾. taken on the basis of these Consolidated Financial Statements.
‡¬¸‡ ˆ½Å ‚›¸º³Åœ¸ ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ‡ˆÅ ž¸¸Š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ퟸ ¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ ¢¨¸¨¸½ˆÅ ˆÅ¸ œÏ¡¸¸½Š¸ As part of an audit in accordance with SAs, we exercise professional
ˆÅ£÷¸½ íÿ ‚¸¾£ œ¸»£ú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ™¸¾£¸›¸ ¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ ¬¸¿©¸¡¸ ˆÅ¸½ ¤¸›¸¸‡ £‰¸÷¸½ íÿ. ퟸ judgment and maintain professional scepticism throughout the audit.
¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ˆÅ¸¡¸Ä ž¸ú ˆÅ£÷¸½ íÿÀ We also:

dm{f©H$ [anmoQ>© Annual Report 2023-24 445

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Independent Auditors’ Report

• ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ¢Ÿ¸˜¡¸¸ˆÅ˜¸›¸ ˆ½Å ¸¸½¢‰¸Ÿ¸¸Ê ˆÅú œ¸í¸¸›¸ ‚¸¾£ • Identify and assess the risks of misstatement of the
Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¸¸í½ ¨¸í š¸¸½‰¸¸š¸”õú ‚¸¾£ °¸º¢’ ˆ½Å ˆÅ¸£µ¸ „÷œ¸››¸ íº‡ í¸Ê, „›¸ ¸¸½¢‰¸Ÿ¸¸Ê Consolidated Financial Statements, whether due to fraud
or error, design and perform audit procedures responsive to
ˆ½Å ‚›¸º³Åœ¸ ¥¸½‰¸¸ œÏ¢ÇÅ¡¸¸‡¿ ÷¸¾¡¸¸£ ˆÅ£›¸¸ ‚¸¾£ „›¸ œ¸£ ˆÅ¸£Ä¨¸¸ƒÄ ˆÅ£›¸¸ ÷¸˜¸¸ those risks, and obtain audit evidence that is sufficient and
ퟸ¸£ú £¸¡¸ ˆÅ¸½ œ¸¡¸¸Äœ÷¸ ‚¸¾£ ¬¸¿Š¸÷¸ ‚¸š¸¸£ œÏ™¸›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¥¸½‰¸¸œ¸£ú®¸¸ appropriate to provide a basis for our opinion. The risk of
¬¸¸®¡¸ œÏ¸œ÷¸ ˆÅ£›¸¸. š¸¸½‰¸¸š¸”õú ˆ½Å ˆÅ¸£µ¸ „÷œ¸››¸ íº‡ Ÿ¸í÷¨¸œ¸»µ¸Ä ¢Ÿ¸˜¡¸¸ˆÅ˜¸›¸¸Ê not detecting a material misstatement resulting from fraud is
ˆÅ¸½ ›¸ œ¸í¸¸›¸›¸½ ˆÅ¸ ¸¸½¢‰¸Ÿ¸ °¸º¢’ ˆ½Å ˆÅ¸£µ¸ „÷œ¸››¸ íº‡ ¸¸½¢‰¸Ÿ¸ ¬¸½ ¤¸”õ¸ í¾ Æ¡¸¸Ê¢ˆÅ higher than for one resulting from error, as fraud may involve
š¸¸½‰¸¸š¸”õú Ÿ¸Ê ¬¸¸¿“-Š¸¸¿“, ˆÅœ¸’, ¸¸›¸¤¸»¸ ˆÅ£ Ž¸½”õú Š¸ƒÄ °¸º¢’¡¸¸¿, Š¸¥¸÷¸ ¤¸¡¸¸›¸ú collusion, forgery, intentional omissions, misrepresentations,
¡¸¸ ‚¸¿÷¸¢£ˆÅ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅ¸ „¥¥¸¿‹¸›¸ ©¸¸¢Ÿ¸¥¸ í¸½ ¬¸ˆÅ÷¸¸ í¾. or the override of internal control.
• Obtain an understanding of internal control relevant to the audit
• ¥¸½‰¸¸œ¸£ú®¸¸ œÏ¢ÇÅ¡¸¸‚¸Ê ˆÅ¸½ ¢”¸¸ƒ›¸ ˆÅ£›¸½ ˆ½Å „Ó½©¡¸ ¬¸½ ¥¸½‰¸¸œ¸£ú®¸¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ in order to design audit procedures that are appropriate in the
‚¸¿÷¸¢£ˆÅ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú ¸¸›¸ˆÅ¸£ú œÏ¸œ÷¸ ˆÅ£›¸¸ ¸¸½ „›¸ œ¸¢£¦¬˜¸¢÷¸¡¸¸Ê ˆ½Å ¢¥¸‡ circumstances. Under section 143(3)(i) of the Companies Act,
„¢¸÷¸ í¸Ê. ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸ 2013 ˆÅú š¸¸£¸ 143(3) (i) ˆ½Å ‚¿÷¸Š¸Ä÷¸ ퟸ 2013, we are also responsible for expressing our opinion on
¡¸í £¸¡¸ ¨¡¸Æ÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ž¸ú ¢¸ŸŸ¸½™¸£ íÿ ¢ˆÅ Æ¡¸¸ ¬¸Ÿ¸»í ‚¸¾£ ƒ¬¸ˆÅú whether the Group and its associates has adequate internal
¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê ˆ½Å œ¸¸¬¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê œ¸¡¸¸Äœ÷¸ ‚¸¿÷¸¢£ˆÅ financial controls system with reference to financial statements
¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸ œÏµ¸¸¥¸ú ˆÅú ¨¡¸¨¸¬˜¸¸ í¾ ÷¸˜¸¸ Æ¡¸¸ ƒ¬¸ ÷¸£í ˆ½Å ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú in place and the operating effectiveness of such controls.
œ¸¢£¸¸¥¸›¸ œÏž¸¸¨¸©¸ú¥¸÷¸¸ í¾. • Evaluate the appropriateness of accounting policies used
and the reasonableness of accounting estimates and related
• „œ¸¡¸¸½Š¸ Ÿ¸Ê ¥¸¸ƒÄ Š¸ƒÄ ¥¸½‰¸¸¿ˆÅ›¸ ›¸ú¢÷¸¡¸¸Ê ˆÅú „œ¸¡¸ºÆ÷¸÷¸¸ ‚¸¾£ œÏ¤¸¿š¸›¸ ׸£¸ ¢ˆÅ¡¸½ disclosures made by Management.
Š¸¡¸½ ¥¸½‰¸¸¿ˆÅ›¸ ‚›¸ºŸ¸¸›¸¸Ê ˆÅ¸ ‚¸¾¢¸÷¡¸ ‡¨¸¿ „¬¸¬¸½ ¬¸¿¤¸¿¢š¸÷¸ œÏˆÅ’úˆÅ£µ¸¸Ê ˆÅ¸ • Conclude on the appropriateness of Group’s Management
Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ£›¸¸. and Board of Directors use of the going concern basis of
• ¬¸Ÿ¸»í ˆ½Å œÏ¤¸¿š¸›¸ ‚¸¾£ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆ½Å ¥¸½‰¸¸¿ˆÅ›¸ ˆ½Å ˆÅ¸¡¸Ä©¸ú¥¸ ¬¸¿¬˜¸¸ ˆ½Å ³Åœ¸ accounting and, based on the audit evidence obtained,
Ÿ¸Ê „œ¸¡¸¸½Š¸ ˆÅ£›¸½ ˆ½Å „œ¸¡¸ºÆ÷¸÷¸¸ œ¸£ ‚œ¸›¸¸ ¢›¸«ˆÅ«¸Ä ™½›¸¸ ‚¸¾£ œÏ¸œ÷¸ ¥¸½‰¸¸œ¸£ú®¸¸ whether a material uncertainty exists related to events or
conditions that may cast significant doubt on the Group’s
¬¸¸®¡¸¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ƒ¬¸ ¤¸¸÷¸ ˆÅ¸ œ¸÷¸¸ ¥¸Š¸¸›¸¸ ¢ˆÅ Æ¡¸¸ „›¸ ‹¸’›¸¸‚¸Ê ¬¸½ including its associate companies’ ability to continue as a going
¬¸¿¤¸¿¢š¸÷¸ Ÿ¸í÷¨¸œ¸»µ¸Ä ‚¢›¸ä¸÷¸÷¸¸ Ÿ¸¸¾¸»™ í¾ ¡¸¸ ¨¸¾¬¸ú œ¸¢£¦¬˜¸¢÷¸¡¸¸¿ ¤¸›¸ú íÿ ¢¸¬¸Ÿ¸Ê concern. If we conclude that a material uncertainty exists, we
ˆÅ¸¡¸Ä©¸ú¥¸ ¬¸¿¬˜¸¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¤¸›¸½ £í›¸½ ˆÅú ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê ¬¸¢í÷¸ ¬¸Ÿ¸»í ˆÅú are required to draw attention in our auditor’s report to the
¬¸®¸Ÿ¸÷¸¸ œ¸£ ¬¸¸˜¸ÄˆÅ ¬¸¿™½í ¨¡¸Æ÷¸ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆ½Å. ¡¸¢™ ퟸ ¡¸í ¢›¸«ˆÅ«¸Ä ¢›¸ˆÅ¸¥¸÷¸½ related disclosures in the Consolidated Financial Statements
íÿ ¢ˆÅ Ÿ¸í÷¨¸œ¸»µ¸Ä ‚¢›¸ä¸÷¸÷¸¸ ¢¨¸Ô¸Ÿ¸¸›¸ í¾ ÷¸¸½ íŸ¸Ê ‚œ¸›¸ú ¥¸½‰¸¸œ¸£ú®¸¸ ¢£œ¸¸½’Ä Ÿ¸Ê or, if such disclosures are inadequate, to modify our opinion.
¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ƒ¬¸ ÷¸£í ˆ½Å œÏˆÅ’úˆÅ£µ¸¸Ê ˆÅú ‚¸½£ š¡¸¸›¸ ‚¸ˆÅ¢«¸Ä÷¸ Our conclusions are based on the audit evidence obtained
up to the date of our auditor’s report. However, future events
ˆÅ£›¸¸ í¸½Š¸¸ ¡¸¸ ¡¸¢™ ƒ¬¸ ÷¸£í ˆ½Å œÏˆÅ’úˆÅ£µ¸ œ¸¡¸¸Äœ÷¸ ›¸íú¿ í¾ ÷¸¸½ íŸ¸Ê ‚œ¸›¸½ or conditions may cause the Group including its associate
‚¢ž¸Ÿ¸÷¸ ˆÅ¸½ ¬¸¿©¸¸½¢š¸÷¸ ˆÅ£›¸¸ í¸½Š¸¸. ퟸ¸£½ ¢›¸«ˆÅ«¸Ä ¥¸½‰¸¸œ¸£ú®¸¸ ˆÅú ÷¸¸£ú‰¸ companies to cease to continue as a going concern.
÷¸ˆÅ œÏ¸œ÷¸ ¥¸½‰¸¸œ¸£ú®¸¸ ¬¸¸®¡¸¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ‚¸š¸¸¢£÷¸ íÿ. ÷¸˜¸¸¢œ¸, ž¸¢¨¸«¡¸ ˆÅú • Evaluate the overall presentation, structure and content of the
‹¸’›¸¸‡¿ ¡¸¸ œ¸¢£¦¬˜¸¢÷¸¡¸¸¿ ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê ¬¸¢í÷¸ ¬¸Ÿ¸»í ˆ½Å ˆÅ¸¡¸Ä©¸ú¥¸ ¬¸¿¬˜¸¸ Consolidated Financial Statements, including the disclosures,
ˆ½Å ³Åœ¸ Ÿ¸Ê ¤¸›¸½ ›¸ £í›¸½ ˆÅ¸ ˆÅ¸£µ¸ ¤¸›¸ ¬¸ˆÅ÷¸ú íÿ. and whether the Consolidated Financial Statements represent
• œÏˆÅ’úˆÅ£µ¸ ¬¸¢í÷¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ¬¸Ÿ¸ŠÏ œÏ¬÷¸º¢÷¸, ¬¸¿£¸›¸¸ ‡¨¸¿ the underlying transactions and events in a manner that
achieves fair presentation.
¢¨¸«¸¡¸¨¸¬÷¸º ˆÅ¸ ÷¸˜¸¸ ƒ¬¸ ¤¸¸÷¸ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ£›¸¸ ¢ˆÅ Æ¡¸¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸
¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ‚¿÷¸¢›¸Ä¢í÷¸ ¥¸½›¸™½›¸ ‚¸¾£ ‹¸’›¸¸‚¸Ê ˆÅ¸½ ƒ¬¸ ÷¸£úˆ½Å ¬¸½ œÏ¬÷¸º÷¸ ¢ˆÅ¡¸¸ • Obtain sufficient appropriate audit evidence regarding the
financial information of such entities or business activities
Š¸¡¸¸ í¾ ¢ˆÅ ƒ¬¸ˆÅú ¢›¸«œ¸®¸ œÏ¬÷¸º¢÷¸ œÏ¸œ÷¸ ˆÅú ¸¸ ¬¸ˆ½Å. within the Group and its associates to express an opinion
• ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê œ¸£ £¸¡¸ ¨¡¸Æ÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¬¸Ÿ¸»í ‚¸¾£ ƒ¬¸ˆÅú on the consolidated financial statements. We are responsible
¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê ˆ½Å ž¸ú÷¸£ ‡½¬¸ú ¬¸¿¬˜¸¸‚¸Ê ¡¸¸ ¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê ˆÅú for the direction, supervision and performance of the audit of
¢¨¸î¸ú¡¸ ¸¸›¸ˆÅ¸£ú ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê œ¸¡¸¸Äœ÷¸ „œ¸¡¸ºÆ÷¸ ¥¸½‰¸¸ œ¸£ú®¸¸ ¬¸¸®¡¸ œÏ¸œ÷¸ ˆÅ£›¸¸. financial information of such entities included in consolidated
financial statements of which we are the independent auditors.
ퟸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ‡½¬¸ú ¬¸¿¬˜¸¸‚¸Ê ˆÅú ¢¨¸î¸ú¡¸ ¸¸›¸ˆÅ¸£ú For the other entities included in the consolidated financial
ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ¢›¸™½Ä©¸›¸, œ¸¡¸Ä¨¸½®¸µ¸ ‚¸¾£ ¢›¸«œ¸¸™›¸ ˆ½Å ¢¥¸‡ ¢¸ŸŸ¸½™¸£ íÿ, statements, which have been audited by other auditors, such
¢¸›¸ˆ½Å ퟸ ¬¨¸÷¸¿°¸ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ íÿ. ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ‚›¡¸ other auditors remain responsible for the direction, supervision
¬¸¿¬˜¸¸‚¸Ê ˆ½Å ¢¥¸‡, ¢¸›¸ˆÅú ‚›¡¸ ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê ׸£¸ ¥¸½‰¸¸-œ¸£ú®¸¸ ˆÅú Š¸ƒÄ í¾, and performance of the audits carried out by them. We remain
‡½¬¸½ ‚›¡¸ ¥¸½‰¸¸œ¸£ú®¸ˆÅ „›¸ˆ½Å ׸£¸ ˆÅú Š¸ƒÄ ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ¢›¸™½Ä©¸›¸, œ¸¡¸Ä¨¸½®¸µ¸ solely responsible for our audit opinion. Our responsibilities in
‚¸¾£ ¢›¸«œ¸¸™›¸ ˆ½Å ¢¥¸‡ „™¸¡¸ú £í÷¸½ íÿ. ퟸ ‚œ¸›¸ú ¥¸½‰¸¸œ¸£ú®¸¸ £¸¡¸ ˆ½Å ¢¥¸‡ this regard are further described under ‘Other Matters’ section
in this audit report.
œ¸»£ú ÷¸£í „™¸¡¸ú íÿ. ƒ¬¸ ¬¸¿¤¸¿š¸ Ÿ¸Ê ퟸ¸£ú ¢¸ŸŸ¸½™¸¢£¡¸¸Ê ˆÅ¸½ ƒ¬¸ ¥¸½‰¸¸œ¸£ú®¸¸
¢£œ¸¸½’Ä Ÿ¸Ê '‚›¡¸ Ÿ¸¸Ÿ¸¥¸½' ‰¸¿” ˆ½Å ÷¸í÷¸ ‚¸Š¸½ ¨¸¢µ¸Ä÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. We communicate with those charged with governance of the
Bank and such other entities included in the consolidated
ퟸ ¤¸ÿˆÅ ‚¸¾£ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ‚›¡¸ ‡½¬¸ú ¬¸¿¬˜¸¸‚¸Ê ¢¸›¸ˆ½Å financial statements of which we are the independent auditors
ퟸ ¬¨¸÷¸¿°¸ ¥¸½‰¸¸œ¸£ú®¸ˆÅ íÿ, ˆ½Å ‚¢ž¸©¸¸¬¸›¸ ¬¸½ ¸º”õ½ ¨¡¸¢Æ÷¸¡¸¸Ê ˆÅ¸½ ‚›¡¸ ¤¸¸÷¸¸Ê ˆ½Å regarding, among other matters, the planned scope and
¬¸¸˜¸-¬¸¸˜¸ ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ¡¸¸½¸›¸¸¤¸Ö ™¸¡¸£½, „¬¸ˆÅú ‚¨¸¢š¸ ‚¸¾£ ¥¸½‰¸¸œ¸£ú®¸¸ timing of the audit and significant audit findings, including
ˆ½Å Ÿ¸í÷¨¸œ¸»µ¸Ä œ¸¢£µ¸¸Ÿ¸¸Ê ÷¸˜¸¸ ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ™¸¾£¸›¸ ‚¸¿÷¸¢£ˆÅ ¢›¸¡¸¿°¸µ¸ Ÿ¸Ê œ¸¸ƒÄ any significant deficiencies in internal control that we identify
during our audit.
Š¸ƒÄ Ÿ¸í÷¨¸œ¸»µ¸Ä ˆÅ¢Ÿ¸¡¸¸Ê ˆ½Å ¤¸¸£½ Ÿ¸Ê ‚¨¸Š¸÷¸ ˆÅ£¸÷¸½ íÿ.
We also provide those charged with governance with a
ퟸ ‚¢ž¸©¸¸¬¸›¸ ¬¸½ ¸º”õ½ ¨¡¸¢Æ÷¸¡¸¸Ê ˆÅ¸½ ¨¸Æ÷¸¨¡¸ ž¸ú œÏ¬÷¸º÷¸ ˆÅ£÷¸½ íÿ ¢ˆÅ ퟸ›¸½ statement that we have complied with relevant ethical
¬¨¸÷¸¿°¸÷¸¸ ¬¸½ ¬¸¿Š¸÷¸ ›¸¾¢÷¸ˆÅ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ˆÅ¸ ‚›¸ºœ¸¸¥¸›¸ ¢ˆÅ¡¸¸ í¾ ‚¸¾£ ¬¸¸˜¸ íú requirements regarding independence, and to communicate
ퟸ¸£ú ¬¨¸÷¸¿°¸÷¸¸ ˆÅ¸½ œÏž¸¸¢¨¸÷¸ ˆÅ£›¸½ ¨¸¸¥¸½ ¬¸¿¤¸¿š¸¸Ê ‚¸¾£ „›¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅú ¸¸½ ퟸ¸£ú with them all relationships and other matters that may

446 Friendship That

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Corporate Overview Statutory Reports Financial Statements

¬¨¸÷¸¿°¸÷¸¸ ˆÅ¸½ œÏž¸¸¢¨¸÷¸ ˆÅ£ ¬¸ˆÅ÷¸½ íÿ, ‚¸¾£ ¸í¸¿ ž¸ú ¥¸¸Š¸» í¸½ ¨¸í¸¿ „›¸¬¸½ ¬¸¿¤¸¿¢š¸÷¸ reasonably be thought to bear on our independence, and
where applicable, related safeguards.
¬¸¸¨¸š¸¸¢›¸¡¸¸Ê ˆÅú ¸¸›¸ˆÅ¸£ú ž¸ú ™½÷¸½ íÿ.
From the matters communicated with those charged with
‚¢ž¸©¸¸¬¸›¸ ¬¸½ ¸º”õ½ ¨¡¸¢Æ÷¸¡¸¸Ê ˆÅ¸½ ¬¸»¢¸÷¸ ¢¨¸«¸¡¸¸Ê ¬¸½ ퟸ „›¸ ¢¨¸«¸¡¸¸Ê ˆÅ¸ ¢›¸š¸¸Ä£µ¸ governance, we determine those matters that were of
ˆÅ£÷¸½ íÿ ¸¸½ ¨¸÷¸ÄŸ¸¸›¸ ‚¨¸¢š¸ ˆ½Å ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ Ÿ¸Ê most significance in the audit of the Consolidated Financial
Statements of the current year and are therefore the key
‚÷¡¸¿÷¸ Ÿ¸í÷¨¸œ¸»µ¸Ä íÿ ‚¸¾£ ¸¸½ ƒ¬¸¢¥¸‡ Ÿ¸í÷¨¸œ¸»µ¸Ä ¥¸½‰¸¸œ¸£ú®¸¸ ¢¨¸«¸¡¸ íÿ. ퟸ audit matters. We describe these matters in our auditor’s
„›¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅ¸ ‚œ¸›¸ú ¥¸½‰¸¸œ¸£ú®¸¸ ¢£œ¸¸½’Ä Ÿ¸Ê ÷¸¤¸ ÷¸ˆÅ ¨¸µ¸Ä›¸ ˆÅ£÷¸½ íÿ ¸¤¸ ÷¸ˆÅ report unless law or regulation precludes public disclosure
¢ˆÅ ¢¨¸¢š¸ ¡¸¸ ¢¨¸¢›¸¡¸Ÿ¸›¸ ׸£¸ ƒ¬¸ Ÿ¸¸Ÿ¸¥¸½ ˆ½Å œÏˆÅ’›¸ ˆ½Å ¢¥¸‡ ¡¸¸ ÷¸¸½ £¸½ˆÅ¸ ›¸ ¸¸‡ about the matter or when, in extremely rare circumstances,
¡¸¸ ¢ûÅ£ ‚÷¡¸¿÷¸ ¢¨¸£¥¸ œ¸¢£¦¬˜¸¢÷¸¡¸¸Ê Ÿ¸Ê ¸¤¸ ퟸ ¡¸í ¢›¸µ¸Ä¡¸ ¥¸Ê ¢ˆÅ ‡½¬¸¸ Ÿ¸¸Ÿ¸¥¸¸ we determine that a matter should not be communicated in
our report because the adverse consequences of doing so
ퟸ¸£ú ¢£œ¸¸½’Ä Ÿ¸Ê ›¸íú¿ ¢™¡¸¸ ¸¸›¸¸ ¸¸¢í‡ Æ¡¸¸Ê¢ˆÅ ‡½¬¸¸ ¬¸¿œÏ½«¸µ¸ ˆÅ£›¸½ ¬¸½ ¥¸¸½ˆÅ ¢í÷¸ would reasonably be expected to outweigh the public interest
œ¸£ œÏ¢÷¸ˆ»Å¥¸ œÏž¸¸¨¸ œ¸”õ›¸½ ˆÅú ‚¸©¸¿ˆÅ¸ í¾. benefits of such communication.
‚›¡¸ Ÿ¸¸Ÿ¸¥¸½ Other Matters
i. ¤¸ÿˆÅ ˆÅú ™º¤¸ƒÄ ©¸¸‰¸¸ ¬¸½ ¬¸¿¤¸¦›š¸÷¸ ` 4.00 ˆÅ£¸½”õ ˆ½Å ˆºÅ¥¸ £¸¸¬¨¸ ‚¸¾£ ` 0.77 i. Included in the financials are total revenue of ` 4.00 Crores
ˆÅ£¸½”õ ˆÅú ˆºÅ¥¸ í¸¢›¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ í¾ ¸¸½ 1 ‚œÏ¾¥¸ 2023 ¬¸½ and total loss of ` 0.77 Crores pertaining to Dubai branch of
the Bank, which was operational during the period from April
31 ¢™¬¸¿¤¸£ 2023 (©¸¸‰¸¸ ˆ½Å ¤¸¿™ í¸½›¸½ ˆÅú ÷¸¸£ú‰¸) ˆÅú ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ 01, 2023 to December 31, 2023 (the date of closure of the
œ¸¢£¸¸¥¸›¸Š¸÷¸ ˜¸ú. ©¸¸‰¸¸ ˆ½Å 1 ‚œÏ¾¥¸ 2023 ¬¸½ 31 ¢™¬¸Ÿ¤¸£ 2023 ˆÅú ‚¨¸¢š¸ branch).The financial statements of the branch for the period
ˆ½Å ¢¨¸î¸ú¡¸ ¸¸›¸ˆÅ¸£ú ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ‡ˆÅ ¬˜¸¸›¸ú¡¸ ©¸¸‰¸¸ ¥¸½‰¸¸œ¸£ú®¸ˆÅ ׸£¸ ˆÅú from April 01, 2023 to December 31, 2023 were audited by
Š¸ƒÄ, ¢¸¬¸ˆÅú ¢£œ¸¸½’Ä íŸ¸Ê œÏ™¸›¸ ˆÅú Š¸ƒÄ í¾ ‚¸¾£ ƒ¬¸ ©¸¸‰¸¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ a local branch auditor whose report has been furnished to
us, and our opinion in so far as it relates to the amounts and
£¸¢©¸¡¸¸Ê ‚¸¾£ œÏˆÅ’›¸¸Ê ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ퟸ¸£ú £¸¡¸ œ¸»£ú ÷¸£í ¬¸½ ‡½¬¸½ ©¸¸‰¸¸ ¥¸½‰¸¸ disclosures included in respect of this branch, is based solely
œ¸£ú®¸ˆÅ ˆÅú ¢£œ¸¸½’Ä œ¸£ ‚¸š¸¸¢£÷¸ í¾ on the report of such branch auditor.
„œ¸¡¸ºÄÆ÷¸ Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ퟸ¸£ú £¸¡¸ ¬¸¿©¸¸½¢š¸÷¸ ›¸íú¿ ˆÅú Š¸ƒÄ í¾. Our opinion is not modified in respect of the above matter.
ii. ii.

‚. ퟸ›¸½ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ›¸íú¿ A. We did not audit the financial statements of:
ˆÅú í¾À a) Five subsidiaries, whose financial statements
reflects total assets of ` 1117.47 crores as
ˆÅ) œ¸¸¿¸ ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸Ê, ¢¸›¸ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê 31 Ÿ¸¸¸Ä at March 31, 2024, total revenue of ` 483.38
2024 ˆÅ¸½ ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸¿ ` 1117.47 ˆÅ£¸½”õ ÷¸˜¸¸ 31 Ÿ¸¸¸Ä crores, total Net Profit after tax of ` 155.86
2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ˆºÅ¥¸ £¸¸¬¨¸ ` 483.38 crores for the year ended March 31, 2024,
ˆÅ£¸½”õ ‚¸¾£ ˆÅ£ œ¸ä¸¸÷¸Ã ˆºÅ¥¸ ¢›¸¨¸¥¸ ¥¸¸ž¸ ` 155.86 ˆÅ£¸½”õ as considered in the consolidated financial
statements, which have been audited by
¢™‰¸¸¡¸¸ Š¸¡¸¸ í¾ ¢¸¬¸½ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ their respective independent auditors. These
¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ¢¸›¸ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ „›¸ˆ½Å ¬¸¿¤¸¿¢š¸÷¸ ¬¨¸÷¸¿°¸ independent Auditor’s report on financial
¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê ׸£¸ ˆÅú Š¸ƒÄ ˜¸ú¿. ƒ›¸ ¬¸¿¬˜¸¸‚¸Ê ˆ½Å ¢¨¸î¸ú¡¸ statements of these entities have been furnished
¢¨¸¨¸£µ¸¸Ê ˆÅú ¬¨¸÷¸¿°¸ ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê ˆÅú ¢£œ¸¸½’Ä œÏ¤¸¿š¸›¸ ׸£¸ íŸ¸Ê to us by the management and our opinion on the
œÏ¬÷¸º÷¸ ˆÅú Š¸ƒÄ íÿ ‚¸¾£ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê œ¸£ ퟸ¸£ú consolidated financial statements, in so far as it
relates to the amounts and disclosures included
£¸¡¸, ƒ›¸ ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸¢›¸¡¸¸Ê ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ©¸¸¢Ÿ¸¥¸ ˆÅú Š¸ƒÄ in respect of these subsidiaries is based solely
£¸¢©¸¡¸¸Ê ‚¸¾£ œÏˆÅ’›¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê, ¢¬¸ûÄÅ ‚›¡¸ ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê on the reports of the other auditors.
ˆÅú ¢£œ¸¸½’¸½ô œ¸£ íú ‚¸š¸¸¢£÷¸ í¾. B. We draw attention to Note 18(10) to the accompanying
‚¸) ퟸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¸˜¸ ¬¸¿¥¸Š›¸ ¢’œœ¸µ¸ú 18(10) ˆÅú Consolidated Financial statement which states that the
‚¸½£ š¡¸¸›¸ ‚¸ˆÅ¢«¸Ä÷¸ ˆÅ£÷¸½ íÿ ¢¸¬¸Ÿ¸Ê ˆÅí¸ Š¸¡¸¸ í¾ ¢ˆÅ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ Consolidated Financial statements does not include
financial statements in respect of all four Associates
¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê „›¸ ¬¸ž¸ú ¸¸£ ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‚¸Ê ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ for which financial statements /accounts for the year
©¸¸¢Ÿ¸¥¸ ›¸íú¿ íÿ ¢¸›¸ˆ½Å 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ¢¨¸î¸ú¡¸ ended March 31, 2024 have not been received.
¢¨¸¨¸£µ¸/ ¥¸½‰¸½ œÏ¸œ÷¸ ›¸íú¿ íº‡ íÿ. ƒ›¸ ¸¸£ ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‚¸Ê Ÿ¸Ê Out of four associates, in respect of 1 associate-
¬¸½ ‡ˆÅ ‡›¸‡¬¸”ú‡¥¸ (26.10%) ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê 31 ¢™¬¸¿¤¸£ 2023 NSDL (26.10%), accounts have been included up to
December 31, 2023 and in respect of 2 associates
÷¸ˆÅ ˆ½Å ‰¸¸÷¸½ ©¸¸¢Ÿ¸¥¸ ¢ˆÅ‡ Š¸‡ íÿ ÷¸˜¸¸ 2 ‚›¡¸ ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‚¸Ê North eastern Development Finance Corporation
¡¸˜¸¸ ›¸¸Á˜¸Ä ƒÄ¬’›¸Ä ”½¨¸¥¸œ¸Ÿ¸Ê’ ûŸƒ›¸Ê¬¸ ˆÅ¸Á£œ¸¸½£½©¸›¸ ¢¥¸¢Ÿ¸’½” (25%) Limited (25%) and Biotech Consortium India Limited
‚¸¾£ ¤¸¸¡¸¸½’½ˆÅ ˆ¿Å¬¸¸½¢©¸Ä¡¸Ÿ¸ ƒ¿¢”¡¸¸ ¢¥¸¢Ÿ¸’½” (27.93%) ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê (27.93%) accounts have been included up to March
31 Ÿ¸¸¸Ä 2023 ÷¸ˆÅ ˆ½Å ‰¸¸÷¸¸Ê ˆÅ¸½ ©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. œ¸¸¿¢”¸½£ú 31, 2023.In case of Pondicherry Industrial Promotion
ƒ¿”¦¬’¥¸ œÏŸ¸¸½©¸›¸ ”½¨¸¥¸œ¸Ÿ¸Ê’ ‡¿” ƒ›¨¸½¬’Ÿ¸Ê’ ˆÅ¸Á£œ¸¸½£½©¸›¸ ¢¥¸¢Ÿ¸’½” Development and Investment corporation Limited
(21.14%), the investment in the said company has
(21.14%) ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê, „Æ÷¸ ˆ¿Åœ¸›¸ú Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅ¸½ 1 ²Åœ¸¡¸½ ÷¸ˆÅ been written down to ` 1. According to the information
Ÿ¸»¥¡¸Ý¸¢¬¸÷¸ ˆÅ£ ¢™¡¸¸ Š¸¡¸¸ í¾. œÏ¤¸¿š¸›¸ ׸£¸ íŸ¸Ê ™ú Š¸ƒÄ ¸¸›¸ˆÅ¸£ú and explanations given to us by the Management,
‚¸¾£ ¬œ¸«’úˆÅ£µ¸ ˆ½Å ‚›¸º¬¸¸£, ƒ›¸ ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‚¸Ê ˆ½Å ¢¨¸î¸ú¡¸ the financial statements of these Associates are not
¢¨¸¨¸£µ¸ ¬¸Ÿ¸»í ˆ½Å ¢¥¸‡ ˆÅ¸½ƒÄ ÷¸¸¦÷¨¸ˆÅ ‚˜¸Ä ›¸íú¿ £‰¸÷¸½ íÿ. material to the Group.

dm{f©H$ [anmoQ>© Annual Report 2023-24 447

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Independent Auditors’ Report

¸í¸¿ ÷¸ˆÅ ¢ˆÅ‡ Š¸‡ ˆÅ¸¡¸Ä ‚¸¾£ ‚›¡¸ ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê ˆÅú ¢£œ¸¸½’Ä ÷¸˜¸¸ œÏ¤¸¿š¸›¸ ׸£¸ œÏŸ¸¸¢µ¸÷¸ Our opinion on the consolidated financial statements, and our
report on Other Legal and Regulatory requirements below, is
¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê/ ¢¨¸î¸ú¡¸ ¸¸›¸ˆÅ¸£ú ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê „œ¸¡¸ºÄÆ÷¸ Ÿ¸¸Ÿ¸¥¸¸Ê œ¸£ ퟸ¸£½ ¢¨¸æ¸¸¬¸ ˆÅ¸ not modified in respect of the above matters with respect to
¬¸¿¤¸¿š¸ í¾, ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ퟸ¸£ú £¸¡¸, ‚¸¾£ ›¸ú¸½ ™ú Š¸ƒÄ ‚›¡¸ our reliance on the work done and the reports of the other
¢¨¸¢š¸ˆÅ ‡¨¸¿ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅú¡¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ퟸ¸£ú ¢£œ¸¸½’Ä Ÿ¸Ê ˆÅ¸½ƒÄ œ¸¢£¨¸÷¸Ä›¸ auditors and the financial statements / financial information
›¸íú¿ íº‚¸ í¾. certified by the management.
Report on Other Legal and Regulatory Requirements
‚›¡¸ ¢¨¸¢š¸ˆÅ ÷¸˜¸¸ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ‚œ¸½®¸¸‚¸Ê œ¸£ ¢£œ¸¸½’Ä 1. The Balance Sheet and the Profit and Loss Account
1. ÷¸º¥¸›¸ œ¸°¸ ‚¸¾£ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸¸ ‚¢š¸¢›¸¡¸Ÿ¸ ˆÅú š¸¸£¸ 133 ÷¸˜¸¸ have been drawn up in accordance with the provision
of Section 29 of the Banking Regulation Act, 1949
ƒ¬¸ˆ½Å ÷¸í÷¸ ¤¸›¸¸‡ Š¸‡ ¢›¸¡¸Ÿ¸¸Ê ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ ¤¸ÿˆÅˆÅ¸£ú ¢¨¸¢›¸¡¸Ÿ¸›¸ read with Section 133 of the Act and Rules made
‚¢š¸¢›¸¡¸Ÿ¸, 1949 ˆÅú š¸¸£¸ 29 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ÷¸¾¡¸¸£ ¢ˆÅ‡ thereunder.
Š¸‡ íÿ. 2. As required by sub-section (3) of section 30 of the
2. ¤¸ÿˆÅˆÅ¸£ú ¢¨¸¢›¸¡¸Ÿ¸›¸ ‚¢š¸¢›¸¡¸Ÿ¸, 1949 ˆÅú š¸¸£¸ 30 ˆÅú „œ¸š¸¸£¸ (3) Banking Regulation Act, 1949, we report that:
ˆÅú ‚œ¸½®¸¸›¸º¬¸¸£ ퟸ ¢£œ¸¸½’Ä ˆÅ£÷¸½ íÿ ¢ˆÅÀ a) We have obtained all the information and
explanations, which to the best of our
ˆöÅ) ퟸ›¸½ ‡½¬¸ú ¬¸Ÿ¸¬÷¸ ¸¸›¸ˆÅ¸£ú ÷¸˜¸¸ ¬œ¸«’úˆÅ£µ¸ œÏ¸œ÷¸ ¢ˆÅ‡ íÿ knowledge and belief were necessary for the
¸¸½ ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å œÏ¡¸¸½¸›¸¸˜¸Ä ퟸ¸£½ ¬¸Ÿœ¸»µ¸Ä ±¸¸›¸ ‡¨¸¿ purpose of our audit and have found them to be
satisfactory.
¢¨¸æ¸¸¬¸ ˆ½Å ‚›¸º¬¸¸£ ‚¸¨¸©¡¸ˆÅ ˜¸½ ÷¸˜¸¸ „›íÊ ¬¸¿÷¸¸½«¸¸›¸ˆÅ œ¸¸¡¸¸
b) The transactions of the Bank, which have come
í¾. to our notice during the course of our audit,
‰¸) ¤¸ÿˆÅ ˆ½Å ¥¸½›¸-™½›¸ ¸¸½ ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ™¸¾£¸›¸ ퟸ¸£½ š¡¸¸›¸ have been within the powers of the Bank.
Ÿ¸Ê ‚¸‡, ¨¸½ ¤¸ÿˆÅ ˆÅú ‚¢š¸ˆÅ¸£ ¬¸úŸ¸¸ ˆ½Å ž¸ú÷¸£ £í½ íÿ. c) The financial accounting systems of the Bank
are centralized and therefore, accounting
Š¸) ¤¸ÿˆÅ ˆÅú ¢¨¸î¸ú¡¸ ¥¸½‰¸¸ œÏµ¸¸¥¸ú ˆÊÅÍúˆ¼Å÷¸ íÿ ‚¸¾£ ƒ¬¸¢¥¸‡ returns for the purpose of preparing financial
¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ÷¸¾¡¸¸£ ˆÅ£›¸½ ˆ½Å „Ó½©¡¸ ¬¸½ ¥¸½‰¸¸¿ˆÅ›¸ statements are not required to be submitted
by the branches. Our audit has been carried
¢¨¸¨¸£¢µ¸¡¸¸Â ©¸¸‰¸¸‚¸Ê ׸£¸ œÏ¬÷¸º÷¸ ˆÅ£›¸½ ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ out centrally as all the necessary records and
›¸íú¿ í¾. ퟸ›¸½ ¥¸½‰¸¸-œ¸£ú®¸¸ ˆÊÅÍú¡¸ ³Åœ¸ ¬¸½ ˆÅú í¾ Æ¡¸¸Ê¢ˆÅ ퟸ¸£½ data required for the purposes of our audit are
¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å œÏ¡¸¸½¸›¸¸Ê ˆ½Å ¢¥¸‡ ‚¸¨¸©¡¸ˆÅ ¬¸ž¸ú ‚œ¸½¢®¸÷¸ centrally available. Further, during the course of
¢£ˆÅ¸Á”Ä ‚¸¾£ ”½’¸ ˆÊÅÍú¡¸ ³Åœ¸ ¬¸½ „œ¸¥¸¤š¸ íÿ. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, our audit, we have visited 31 domestic branches
ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ™¸¾£¸›¸, ퟸ›¸½ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å Ÿ¸¸¾¸»™¸ and 1 overseas branch which, in aggregate,
comprise of 34% of the gross advances of the
œ¸¢£œ¸°¸ ˆ½Å ‚›¸ºœ¸¸¥¸›¸ Ÿ¸Ê ퟸ¸£ú ¥¸½‰¸¸ œ¸£ú®¸¸ ˆ½Å œÏ¡¸¸½¸›¸ ˆ½Å Bank, to examine the records maintained at
¢¥¸‡ ‡½¬¸ú ©¸¸‰¸¸‚¸Ê Ÿ¸Ê £‰¸½ Š¸‡ ‚¢ž¸¥¸½‰¸¸Ê ˆÅú ¸¸¿¸ ˆÅ£›¸½ such branches for the purpose of our audit, in
ˆ½Å ¢¥¸‡ 31 ‹¸£½¥¸» ©¸¸‰¸¸‚¸Ê ‚¸¾£ 1 ¢¨¸™½©¸ú ©¸¸‰¸¸ ˆÅ¸ ™¸¾£¸ compliance with the extant RBI Circular.
¢ˆÅ¡¸¸ í¾, ¢¸›¸Ÿ¸Ê ¤¸ÿˆÅ ˆ½Å ¬¸ˆÅ¥¸ ‚¢ŠÏŸ¸¸Ê ˆÅ¸ 34% ¢›¸¢í÷¸ í¾. 3. As required by section 143(3) of the Act, based on
our audit and on the consideration of the reports of
3. ¸¾¬¸¸ ¢ˆÅ ‚¢š¸¢›¸¡¸Ÿ¸ ˆÅú š¸¸£¸ 143(3) ׸£¸ ‚œ¸½¢®¸÷¸ í¾, ퟸ¸£ú the other auditors on separate financial statements
¥¸½‰¸¸ œ¸£ú®¸¸ ˆ½Å ‚¸š¸¸£ œ¸£ ‚¸¾£ ‚›¡¸ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ˆÅú ¢£œ¸¸½’Ä œ¸£ and other financial information of the subsidiaries and
‚¥¸Š¸-‚¥¸Š¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ‚¸¾£ ¬¸í¸¡¸ˆÅ ‡¨¸¿ ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê associates, we report, to the extent applicable that,
ˆÅú ‚›¡¸ ¢¨¸î¸ú¡¸ ¸¸›¸ˆÅ¸£ú ˆ½Å ‚¸š¸¸£ œ¸£ ퟸ ¢£œ¸¸½’Ä ˆÅ£÷¸½ íÿ ¢ˆÅÀ a) we have sought and obtained all the information
and explanations which to the best of our
ˆÅ) ퟸ›¸½ ‡½¬¸ú ¬¸Ÿ¸¬÷¸ ¸¸›¸ˆÅ¸£ú ÷¸˜¸¸ ¬œ¸«’úˆÅ£µ¸ œÏ¸œ÷¸ ¢ˆÅ‡ knowledge and belief were necessary for the
íÿ ¸¸½ ퟸ¸£½ ¬¸Ÿœ¸»µ¸Ä ±¸¸›¸ ‡¨¸¿ ¢¨¸æ¸¸¬¸ ˆ½Å ‚›¸º¬¸¸£ ¬¸Ÿ¸½¢ˆÅ÷¸ purpose of our audit of consolidated financial
¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å œÏ¡¸¸½¸›¸¸˜¸Ä statements;
‚¸¨¸©¡¸ˆÅ ˜¸½; b) in our opinion, proper books of account as
required by law relating to preparation of
‰¸) ퟸ¸£ú £¸¡¸ Ÿ¸Ê, ¤¸ÿˆÅ ׸£¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ÷¸¾¡¸¸£ consolidated financial statements have been
ˆÅ£›¸½ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¢¨¸¢š¸ ׸£¸ ‚œ¸½¢®¸÷¸ „¢¸÷¸ ¥¸½‰¸¸ ¤¸¢í¡¸¸Ê ˆÅ¸½ kept by the Bank so far as appears from our
examination of those books and reports of other
£‰¸¸ Š¸¡¸¸ í¾, ¸¾¬¸¸ ¢ˆÅ „›¸ ¤¸¢í¡¸¸Ê ‚¸¾£ ‚›¡¸ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê auditors;
ˆÅú ¢£œ¸¸½’¸½ô ˆÅú ퟸ¸£ú ¸¸¿¸ ¬¸½ œÏ÷¸ú÷¸ í¸½÷¸¸ í¾; c) the report on the accounts of the Dubai branch
Š¸) ¤¸ÿˆÅ ˆÅú ™º¤¸ƒÄ ©¸¸‰¸¸ ˆ½Å ¥¸½‰¸¸Ê ˆÅú ‚›¡¸ ¥¸½‰¸¸œ¸£ú®¸ˆÅ ׸£¸ of the Bank audited by other auditor has
been forwarded to us and the same has been
¥¸½‰¸¸œ¸£ú¢®¸÷¸ ¢£œ¸¸½’Ä íŸ¸¸£½ œ¸¸¬¸ œÏ½¢«¸÷¸ ˆÅú Š¸ƒÄ í¾ ‚¸¾£ ƒ¬¸ appropriately dealt with;
œ¸£ „¢¸÷¸ ³Åœ¸ ¬¸½ ¢¨¸¸¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾;
d) the Consolidated Balance Sheet, the
‹¸) ƒ¬¸ ¢£œ¸¸½’Ä Ÿ¸Ê ¢¨¸¸¸£ ¢ˆÅ‡ Š¸‡ ¬¸Ÿ¸½¢ˆÅ÷¸ ÷¸º¥¸›¸ œ¸°¸, ¬¸Ÿ¸½¢ˆÅ÷¸ Consolidated Profit and Loss Account, and the
¥¸¸ž¸-í¸¢›¸ ¢¨¸¨¸£µ¸ ‚¸¾£ ¬¸Ÿ¸½¢ˆÅ÷¸ ›¸ˆÅ™ú œÏ¨¸¸í ¢¨¸¨¸£µ¸ Consolidated Cash Flow Statement dealt with
by this report are in agreement with the books
¬¸Ÿ¸½ˆÅ›¸ ˆ½Å œÏ¡¸¸½¸›¸ ¬¸½ £‰¸ú Š¸ƒÄ ¥¸½‰¸¸ ¤¸¢í¡¸¸Ê ‚¸¾£ £½ˆÅ¸Á”Ä ˆ½Å of account and records maintained for the
‚›¸º³Åœ¸ íÿ. purpose of consolidation;

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Œ) ퟸ¸£ú £¸¡¸ Ÿ¸Ê „œ¸¡¸ºÄÆ÷¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ‚¢š¸¢›¸¡¸Ÿ¸ e) in our opinion, the aforesaid Consolidated
Financial Statements comply with the
ˆÅú š¸¸£¸ 133 ÷¸˜¸¸ „¬¸ˆ½Å ÷¸í÷¸ ¤¸›¸¸‡ Š¸‡ ¢›¸¡¸Ÿ¸¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ Accounting Standards specified under Section
¢›¸¢™Ä«’ ¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ¸Ê ˆ½Å „¬¸ ¬¸úŸ¸¸ ÷¸ˆÅ ‚›¸ºœ¸¸¥¸›¸ Ÿ¸Ê íÿ 133 of the Act and Rules made thereunder, to
¸í¸¿ ÷¸ˆÅ ¨¸½ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ¢›¸š¸¸Ä¢£÷¸ ¥¸½‰¸¸¿ˆÅ›¸ ›¸ú¢÷¸¡¸¸Ê ¬¸½ the extent they are not inconsistent with the
accounting policies prescribed by RBI;
‚¬¸¿Š¸÷¸ ›¸íú¿ íÿ.
f) on the basis of written representation received
¸) ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ¸Ê ¬¸½ œÏ¸œ÷¸ ¢¥¸¢‰¸÷¸ from the directors of the Bank as on March
‚ž¡¸¸¨¸½™›¸ ‚¸¾£ ¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ׸£¸ ¢£ˆÅ¸Á”Ä œ¸£ 31, 2024 and taken on record by the Board
of Directors of the Bank and the reports of the
¢¥¸¡¸½ ¸¸›¸½ ˆ½Å ‚¸š¸¸£ œ¸£ ÷¸˜¸¸ ž¸¸£÷¸ Ÿ¸Ê ¢›¸Š¸¢Ÿ¸÷¸ ƒ¬¸ˆÅú statutory auditors of its subsidiary companies
¬¸í¸¡¸ˆÅ ˆ¿Åœ¸¢›¸¡¸¸Ê ˆ½Å ¬¸¸¿¢¨¸¢š¸ˆÅ ¥¸½‰¸¸œ¸¢£®¸ˆÅ¸Ê ˆÅú ¢£œ¸¸½’¸½ô ˆ½Å incorporated in India, none of the directors of the
‚¸š¸¸£ œ¸£, ¬¸Ÿ¸»í ˆÅú ˆ¿Åœ¸¢›¸¡¸¸Ê ˆ½Å ¢ˆÅ¬¸ú ž¸ú ¢›¸™½©¸ˆÅ ˆÅ¸½ group companies are disqualified as on March
31, 2024 from being appointed as director in
¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ terms of Section 164 (2) of the Companies Act
164(2) ˆ½Å ¢›¸¤¸¿š¸›¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¢›¸™½©¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢›¸¡¸ºÆ÷¸ 2013;
¢ˆÅ‡ ¸¸›¸½ ˆ½Å ¢¥¸‡ ‚¡¸¸½Š¡¸ ‹¸¸½¢«¸÷¸ ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. g) with respect to the adequacy of the internal
financial controls with reference to Financial
Ž) ¬¸Ÿ¸»í ‚¸¾£ ƒ¬¸ˆÅú ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Statements of the Group & its associates and
¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú œ¸¡¸¸Äœ÷¸÷¸¸ ‚¸¾£ the operating effectiveness of such controls,
refer to our separate Report in “Annexure A”;
‡½¬¸½ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú œ¸¢£¸¸¥¸›¸Š¸÷¸ œÏž¸¸¨¸ˆÅ¸¢£÷¸¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê
`‚›¸º¤¸¿š¸ ‡' Ÿ¸Ê ‚¥¸Š¸ ¬¸½ ™ú Š¸ƒÄ ퟸ¸£ú ¢£œ¸¸½’Ä ™½‰¸Ê. h) In our opinion, the entity being a Banking
company, the remuneration to its directors
¸) ퟸ¸£ú £¸¡¸ Ÿ¸Ê, ‡ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ ˆ¿Åœ¸›¸ú í¸½›¸½ ˆ½Å ›¸¸÷¸½ 31 Ÿ¸¸¸Ä 2024 during the year ended March 31, 2024 has been
paid/ provided by the Bank in accordance with
ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ƒ¬¸ˆ½Å ¢›¸™½©¸ˆÅ¸Ê ˆÅ¸½ œ¸¸¢£ª¢Ÿ¸ˆÅ ˆÅ¸ the provisions of section 35B of the Banking
ž¸ºŠ¸÷¸¸›¸ ¤¸ÿˆÅ ׸£¸ ¤¸ÿˆÅˆÅ¸£ú ¢¨¸¢›¸¡¸Ÿ¸›¸ ‚¢š¸¢›¸¡¸Ÿ¸, 1949 Regulation Act, 1949, and;
ˆÅú š¸¸£¸ 35¤¸ú ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ÷¸˜¸¸; Based on the report of the statutory auditors
of subsidiaries which were not audited by us,
¬¸í¸¡¸ˆÅ ˆ¿Åœ¸¢›¸¡¸¸Ê ˆ½Å ¬¸¸¿¢¨¸¢š¸ˆÅ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ˆÅú ¢£œ¸¸½’Ä ˆ½Å the remuneration paid during the current year
‚¸š¸¸£ œ¸£, ¢¸›¸ˆÅú ퟸ¸£½ ׸£¸ ¥¸½‰¸¸-œ¸£ú®¸¸ ›¸íú¿ ˆÅú Š¸ƒÄ by the subsidiary companies to their directors
are in accordance with the provisions of Section
˜¸ú, ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸¢›¸¡¸¸Ê ׸£¸ „›¸ˆ½Å ¢›¸™½©¸ˆÅ¸Ê ˆÅ¸½ ¸¸¥¸» ¨¸«¸Ä ˆ½Å 197 of the Act
™¸¾£¸›¸ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ œ¸¸¢£ª¢Ÿ¸ˆÅ ‚¢š¸¢›¸¡¸Ÿ¸ ˆÅú š¸¸£¸ Further, for the 4 associates, as referred to in
197 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚›¸º¬¸¸£ í¾. other matter paragraph above, whose financial
statements/information have not been audited,
ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, ¸¾¬¸¸ ¢ˆÅ …œ¸£ ‚›¡¸ Ÿ¸¸Ÿ¸¥¸½ ˆ½Å œ¸¾£¸ŠÏ¸ûÅ Ÿ¸Ê in absence of reporting by statutory auditors of
¬¸¿™¢ž¸Ä÷¸ í¾, 4 ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‚¸Ê ˆ½Å ¢¥¸‡, ¢¸›¸ˆ½Å ¢¨¸î¸ú¡¸ such entities with respect to compliance of the
¢¨¸¨¸£µ¸¸Ê/¬¸»¸›¸¸‚¸Ê ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ›¸íú¿ ˆÅú Š¸ƒÄ í¾, ‚¢š¸¢›¸¡¸Ÿ¸ provisions of section 197 read with Schedule
V of the Act during the year ended March 31,
ˆÅú ‚›¸º¬¸»¸ú V ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ š¸¸£¸ 197 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å 2024, we are unable to comment on such
‚›¸ºœ¸¸¥¸›¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‡½¬¸ú ¬¸¿¬˜¸¸‚¸Ê ˆ½Å ¬¸¸¿¢¨¸¢š¸ˆÅ ¥¸½‰¸¸ compliance for the said entities as required to
œ¸£ú®¸ˆÅ¸Ê ׸£¸ ¢£œ¸¸½¢’ôŠ¸ ˆ½Å ‚ž¸¸¨¸ Ÿ¸Ê ‚¢š¸¢›¸¡¸Ÿ¸ ˆÅú š¸¸£¸ be reported by us under section 197(16) of the
Act
197(16) ˆ½Å ÷¸í÷¸ ퟸ¸£½ ׸£¸ ‚œ¸½¢®¸÷¸ ¢£œ¸¸½’Ä ˆ½Å ¬¸¿¤¸¿š¸
i) With respect to the other matters to be included
Ÿ¸Ê ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ퟸ „Æ÷¸ in the Auditor’s Report in accordance
¬¸¿¬˜¸¸‚¸Ê ˆ½Å ¢¥¸‡ ‡½¬¸½ ‚›¸ºœ¸¸¥¸›¸ œ¸£ ¢’œœ¸µ¸ú ˆÅ£›¸½ Ÿ¸Ê with Rule 11 of the Companies (Audit and
‚¬¸Ÿ¸˜¸Ä íÿ. Auditors) Rules, 2014, as amended, in our
opinion and to the best of our information and
¸) ¡¸˜¸¸ ¬¸¿©¸¸½¢š¸÷¸ ˆ¿Åœ¸›¸ú (¥¸½‰¸¸œ¸£ú®¸¸ ‚¸¾£ ¥¸½‰¸¸œ¸£ú®¸ˆÅ) according to the explanations given to us and
¢›¸¡¸Ÿ¸¸¨¸¥¸ú, 2014 ˆ½Å ¢›¸¡¸Ÿ¸ 11 ˆ½Å ‚›¸º¬¸¸£ ¥¸½‰¸¸œ¸£ú®¸ˆÅ based on the consideration of the reports of the
other auditors as noted in the “Other Matters”
¢£œ¸¸½’Ä Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ¢ˆÅ‡ ¸¸›¸½ ¨¸¸¥¸½ ‚›¡¸ ¢¨¸«¸¡¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ paragraph:
Ÿ¸Ê, ퟸ¸£ú £¸¡¸ Ÿ¸Ê ÷¸˜¸¸ ퟸ¸£ú ¬¸¨¸¸½Ä¸ ¸¸›¸ˆÅ¸£ú ‚¸¾£ íŸ¸Ê i. The consolidated financial statements
¢™‡ Š¸‡ ¬œ¸«’úˆÅ£µ¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ÷¸˜¸¸ ‚›¡¸ ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê disclose the impact of pending litigations
ˆÅú ¢£œ¸¸½’¸½ô œ¸£ ¢¨¸¸¸£ ˆ½Å ‚¸š¸¸£ œ¸£ ¸¾¬¸¸ `‚›¡¸ Ÿ¸¸Ÿ¸¥¸½' on its consolidated financial position of
group and its associates. Refer Schedule
œ¸¾£¸ŠÏ¸ûÅ Ÿ¸Ê ›¸¸½’ ¢ˆÅ‡ ‚›¸º¬¸¸£ À 18(13)(C) to the Consolidated Financial
Statements.
i. ¬¸Ÿ¸»í ‚¸¾£ ƒ¬¸ˆÅú ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê ›¸½ ‚œ¸›¸½
ii. Provision, as required, under the
¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ‚œ¸›¸ú ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ applicable law or accounting standards,
¦¬˜¸¢÷¸ œ¸£ ¥¸¿¢¤¸÷¸ Ÿ¸ºˆÅ™Ÿ¸¸Ê ˆ½Å œÏž¸¸¨¸ ˆÅ¸ œÏˆÅ’›¸ for material foreseeable losses, if any, on

dm{f©H$ [anmoQ>© Annual Report 2023-24 449

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Independent Auditors’ Report

¢ˆÅ¡¸¸ í¾. ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ‚›¸º¬¸»¸ú long term contracts including derivative
18(13) (¬¸ú) ™½‰¸Ê. contracts has been made in the
consolidated financial statements. Refer
ii. ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ”½¢£¨¸½¢’¨¸ ¬¸¿¢¨¸™¸‚¸Ê Schedule 18 (13)(B) to the Consolidated
¬¸¢í÷¸ ™ú‹¸¸Ä¨¸¢š¸ ¬¸¿¢¨¸™¸‚¸Ê œ¸£ Ÿ¸í÷¨¸œ¸»µ¸Ä œ¸»¨¸¸Äž¸¸¬¸ú Financial Statements.
í¸¢›¸¡¸¸Ê, ¡¸¢™ í¸Ê, ˆ½Å ¢¥¸‡ ¥¸¸Š¸» ¢¨¸¢š¸ˆÅ ¡¸¸ ¥¸½‰¸¸¿ˆÅ›¸ iii. There has been no delay in transferring
Ÿ¸¸›¸ˆÅ¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‚œ¸½¢®¸÷¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ‡ íÿ. amounts, required to be transferred, to
¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ‚›¸º¬¸»¸ú 18(13) the Investor Education and Protection
Fund by the Bank and it’s subsidiaries.
(¤¸ú) ™½‰¸Ê.
iv.
iii. ¤¸ÿˆÅ ‚¸¾£ ƒ¬¸ˆÅú ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸¢›¸¡¸¸Ê ׸£¸ ¢›¸¨¸½©¸ˆÅ
¢©¸®¸¸ ‚¸¾£ ¬¸¿£®¸µ¸ ¢›¸¢š¸ Ÿ¸Ê ‚¿÷¸¢£÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ a. The respective Managements
of the components in the
‚¸¨¸©¡¸ˆÅ £¸¢©¸¡¸¸Ê ˆÅ¸½ ‚¿÷¸¢£÷¸ ˆÅ£›¸½ Ÿ¸Ê ˆÅ¸½ƒÄ ™½£ú Group which are companies
›¸íú¿ íºƒÄ í¾. incorporated in India, whose
financial statements have been
iv. audited under the Act, subject
ˆÅ. ¬¸Ÿ¸»í Ÿ¸Ê ‹¸’ˆÅ ¬¸½ ¬¸¿¤¸¦›š¸÷¸ œÏ¤¸¿š¸›¸¸Ê, ¸¸½ to “Other Matters” Para in our
Audit report have represented to
¢ˆÅ ž¸¸£÷¸ Ÿ¸Ê ¢›¸Š¸¢Ÿ¸÷¸ ˆ¿Åœ¸¢›¸¡¸¸Â íÿ, ¢¸›¸ˆ½Å us and the other auditors of such
¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ‚¢š¸¢›¸¡¸Ÿ¸ Group entities that, to the best
ˆ½Å ‚¿÷¸Š¸Ä÷¸ ˆÅú Š¸ƒÄ í¾, ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ of their knowledge and belief as
¢£œ¸¸½’Ä ˆ½Å œ¸¾£¸ ``‚›¡¸ Ÿ¸¸Ÿ¸¥¸½'' ˆ½Å ‚š¸ú›¸, disclosed in the Schedule 18(14)
›¸½ íŸ¸Ê ‚¸¾£ ¬¸Ÿ¸»í ˆÅú ¬¸¿¬˜¸¸‚¸Ê ˆ½Å ‚›¡¸ (VIII) to the accounts, no funds
¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê ˆÅ¸½ ¡¸í ‚ž¡¸¸¨¸½™›¸ ¢ˆÅ¡¸¸ have been advanced or loaned
or invested (either from borrowed
í¾ ¢ˆÅ „›¸ˆ½Å ¬¸¨¸¸½Ä¸ ±¸¸›¸ ‚¸¾£ ¢¨¸æ¸¸¬¸ ˆ½Å funds or share premium or any
‚›¸º¬¸¸£, ¥¸½‰¸¸ ˆÅú ‚›¸º¬¸»¸ú 18 (14) other sources or kind of funds)
(VIII) Ÿ¸Ê œÏˆÅ’ ¢ˆÅ¡¸½ ‚›¸º¬¸¸£, ¤¸ÿˆÅ ¡¸¸ by the Bank or any of such
¬¸Ÿ¸»í ˆÅú ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê ¬¸¢í÷¸ ¢ˆÅ¬¸ú entities in the Group including
ž¸ú ¬¸¿¬˜¸¸ ׸£¸ ¡¸¸ ¢ˆÅ¬¸ú ‚›¡¸ ¨¡¸¢Æ÷¸ ¡¸¸ its associates to or in any other
¬¸¿¬˜¸¸ ¢¨¸™½©¸ú ¬¸¿¬˜¸¸ ("Ÿ¸š¡¸¬˜¸") ¬¸¢í÷¸ person or entity, including foreign
entity (“Intermediaries”), with the
¢ˆÅ¬¸ú ¬¸½ ˆÅ¸½ƒÄ š¸›¸£¸¢©¸ ‚¢ŠÏŸ¸ ¡¸¸ „š¸¸£ understanding, whether recorded
¡¸¸ ¢›¸¨¸½©¸ (¡¸¸ ÷¸¸½ „š¸¸£ ¥¸ú Š¸ƒÄ š¸›¸£¸¢©¸ in writing or otherwise, that the
¡¸¸ ©¸½¡¸£ œÏú¢Ÿ¸¡¸Ÿ¸ ¡¸¸ ¢ˆÅ¬¸ú ‚›¡¸ 踸½÷¸ Intermediary shall, whether,
¡¸¸ ¢›¸¢š¸¡¸¸½¿ ˆ½Å œÏˆÅ¸£ ¬¸½) ›¸íú¿ ¥¸ú Š¸ƒÄ í¾, directly or indirectly lend or invest in
÷¸˜¸¸ ¢¥¸¢‰¸÷¸ ‚˜¸¨¸¸ ‚›¡¸˜¸¸ ³Åœ¸ ¬¸½ ¡¸í other persons or entities identified
Ÿ¸¸›¸¸ Š¸¡¸¸ í¾ ¢ˆÅ Ÿ¸š¡¸¬˜¸, ¤¸ÿˆÅ ׸£¸ ¡¸¸ in any manner whatsoever by or
on behalf of the Bank or any of
„¬¸ˆÅú ‚¸½£ ¬¸½ ¢ˆÅ¬¸ú ž¸ú ÷¸£úˆ½Å ¬¸½ œ¸í¸¸›¸½ such components of the Group
Š¸‡ ‚›¡¸ ¨¡¸¢Æ÷¸¡¸¸Ê ¡¸¸ ¬¸¿¬˜¸¸‚¸Ê Ÿ¸Ê (“Ultimate Beneficiaries”) or
("‚¿¢÷¸Ÿ¸ ¥¸¸ž¸¸˜¸úÄ") œÏ÷¡¸®¸ ¡¸¸ ‚œÏ÷¡¸®¸ provide any guarantee, security or
³Åœ¸ ¬¸½ „š¸¸£ ¡¸¸ ¢›¸¨¸½©¸ ˆÅ£½Š¸¸ ¡¸¸ ‚¿¢÷¸Ÿ¸ the like on behalf of the Ultimate
¥¸¸ž¸¸¢˜¸Ä¡¸¸Ê ˆÅú ‚¸½£ ¬¸½ ˆÅ¸½ƒÄ Š¸¸£¿’ú, Beneficiaries
œÏ¢÷¸ž¸»¢÷¸ ¡¸¸ ƒ¬¸ú ÷¸£í ˆÅú ˆÅ¸½ƒÄ Š¸¸£¿’ú ›¸íì b. The respective Managements of
œÏ™¸›¸ ˆÅ£½Š¸¸. the entities in the Group which
are incorporated in India, whose
‰¸. ž¸¸£÷¸ Ÿ¸Ê ¢›¸Š¸¢Ÿ¸÷¸ ¬¸Ÿ¸»í ˆÅú ¬¸¿¬˜¸¸‚¸Ê ˆ½Å financial statements have been
¬¸¿¤¸¿¢š¸÷¸ œÏ¤¸¿š¸›¸, ¢¸›¸ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê audited under the Act, subject
ˆÅú ‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¥¸½‰¸¸œ¸£ú®¸¸ to “Other Matters” Para in our
ˆÅú Š¸ƒÄ í¾, ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ ¢£œ¸¸½’Ä ˆ½Å Audit report, have represented
to us and the other auditors of
``‚›¡¸ Ÿ¸¸Ÿ¸¥¸½'' ˆ½Å ‚š¸ú›¸ ›¸½ ퟸ¬¸½ ‚¸¾£ such Group entities that, to the
¬¸Ÿ¸»í ˆÅú ¬¸¿¬˜¸¸‚¸Ê ˆ½Å ‚›¡¸ ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê best of their knowledge and belief
¬¸½ ¡¸í ‚ž¡¸¸¨¸½™›¸ ¢ˆÅ¡¸¸ í¾ ¢ˆÅ „›¸ˆ½Å as disclosed in the Schedule
¬¸¨¸¸½Ä¸ ±¸¸›¸ ‚¸¾£ ¢¨¸æ¸¸¬¸ ˆ½Å ‚›¸º¬¸¸£, 18(14)(VIII) to the accounts , no
¥¸½‰¸¸ ‚›¸º¬¸»¸ú 18 (14) (VIII) Ÿ¸Ê funds have been received by
¡¸˜¸¸ ™©¸¸Ä¡¸½ ‚›¸º¬¸¸£, ¤¸ÿˆÅ ¡¸¸ ¬¸Ÿ¸»í ˆÅú the Bank or any of such entities
in the Group from any person
¢ˆÅ¬¸ú ¬¸¿¬˜¸¸ ׸£¸ ¢¨¸™½©¸ú ¬¸¿¬˜¸¸ ("û¿Å¢”¿Š¸ or entity, including foreign entity
œ¸¸¢’Ä¡¸¸¿") ¬¸¢í÷¸ ¢ˆÅ¬¸ú ž¸ú ¨¡¸¢Æ÷¸ ¡¸¸ (“Funding Parties”), with the
¬¸¿¬˜¸¸ ¬¸½ ˆÅ¸½ƒÄ š¸›¸£¸¢©¸ œÏ¸œ÷¸ ›¸íú¿ íºƒÄ í¾, understanding, whether recorded
in writing or otherwise, that the

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Corporate Overview Statutory Reports Financial Statements

÷¸˜¸¸ ¢¥¸¢‰¸÷¸ ‚˜¸¨¸¸ ‚›¡¸˜¸¸ ³Åœ¸ ¬¸½ ¡¸í Bank or any of such components
Ÿ¸¸›¸¸ Š¸¡¸¸ í¾ ¢ˆÅ ¤¸ÿˆÅ ¡¸¸ ¬¸Ÿ¸»í ˆ½Å ¢ˆÅ¬¸ú of the Group, whether, directly or
indirectly, lend or invest in other
ž¸ú ‹¸’ˆÅ ˆÅú ‚¸½£ ¬¸½ ¢ˆÅ¬¸ú ž¸ú ÷¸£úˆ½Å ¬¸½ persons or entities identified in
œ¸í¸¸›¸½ Š¸‡ ‚›¡¸ ¨¡¸¢Æ÷¸¡¸¸Ê ¡¸¸ ¬¸¿¬˜¸¸‚¸Ê any manner whatsoever by or
Ÿ¸Ê ("‚¿¢÷¸Ÿ¸ ¥¸¸ž¸¸˜¸úÄ") œÏ÷¡¸®¸ ¡¸¸ on behalf of the Funding Party
‚œÏ÷¡¸®¸ ³Åœ¸ ¬¸½ „š¸¸£ ¡¸¸ ¢›¸¨¸½©¸ ˆÅ£½Š¸¸ ¡¸¸ (“Ultimate Beneficiaries”) or
‚¿¢÷¸Ÿ¸ ¥¸¸ž¸¸¢˜¸Ä¡¸¸Ê ˆÅú ‚¸½£ ¬¸½ ˆÅ¸½ƒÄ Š¸¸£¿’ú, provide any guarantee, security or
œÏ¢÷¸ž¸»¢÷¸ ¡¸¸ ƒ¬¸ú ÷¸£í ˆÅú ˆÅ¸½ƒÄ ¬¸½¨¸¸ œÏ™¸›¸ the like on behalf of the Ultimate
Beneficiaries;
ˆÅ£½Š¸¸.
c. Based on the audit procedures
Š¸. ¥¸½‰¸¸œ¸£ú®¸¸ œÏ¢ÇÅ¡¸¸‚¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ¢¸›íÊ that have been considered
œ¸¢£¦¬˜¸¢÷¸¡¸¸Ê Ÿ¸Ê „¢¸÷¸ ‚¸¾£ „œ¸¡¸ºÆ÷¸ Ÿ¸¸›¸¸ reasonable and appropriate in the
Š¸¡¸¸ í¾, ퟸ¸£½ ¬¸¿±¸¸›¸ Ÿ¸Ê ‡½¬¸¸ ˆºÅŽ ž¸ú ›¸íú¿ circumstances, nothing has come
‚¸¡¸¸ í¾ ¢¸¬¸¬¸½ íŸ¸Ê ¢¨¸æ¸¸¬¸ í¸½ ¢ˆÅ ¢›¸¡¸Ÿ¸ to our notice that has caused us
to believe that the representations
11 (ƒÄ) ˆ½Å „œ¸-‰¸¿” (i) ‚¸¾£ (ii) ˆ½Å under sub-clause (i) and (ii) of Rule
÷¸í÷¸ ‚ž¡¸¸¨¸½™›¸, ¸¾¬¸¸ ¢ˆÅ …œ¸£ (ˆÅ) 11(e), as provided under (a) and
‚¸¾£ (‰¸) ˆ½Å ÷¸í÷¸ œÏ™¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾, (b) above, contain any material
ƒ¬¸Ÿ¸Ê ˆÅ¸½ƒÄ ž¸ú Ÿ¸í÷¨¸œ¸»µ¸Ä ¢Ÿ¸˜¡¸¸ ¢¨¸¨¸£µ¸ í¾. misstatement.
‹¸. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, ¸¾¬¸¸ ¢ˆÅ …œ¸£ ‚›¡¸ d. Further, for the 4 associates,
as referred to in other matter
Ÿ¸¸Ÿ¸¥¸½ ˆ½Å œ¸¾£¸ŠÏ¸ûÅ Ÿ¸Ê ¬¸¿™¢ž¸Ä÷¸ í¾, 4 paragraph above, whose financial
¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‚¸Ê ˆ½Å ¢¥¸‡, ¢¸›¸ˆ½Å ¢¨¸î¸ú¡¸ statements/information have
¢¨¸¨¸£µ¸¸Ê/¬¸»¸›¸¸‚¸Ê ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ›¸íú¿ not been audited, in absence of
ˆÅú Š¸ƒÄ í¾, 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ reporting by statutory auditors
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆ¿Åœ¸›¸ú (¥¸½‰¸¸œ¸£ú®¸¸ ‚¸¾£ of such entities with respect to
¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê) ¢›¸¡¸Ÿ¸¸¨¸¥¸ú, 2014 reporting on lending or receiving
funds through pass-through
ˆ½Å ¢›¸¡¸Ÿ¸ 11(ƒÄ) ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‚¿¢÷¸Ÿ¸ entities marked for an ultimate
¢í÷¸š¸¸£ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢¸¦›í÷¸ œ¸¸¬¸ ˜Ï» beneficiary under Rule 11(e)
¬¸¿˜¸¸‚¸Ê ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¢›¸¢š¸¡¸¸Ê ˆ½Å „š¸¸£ of the Companies (Audit and
™½›¸½ ¡¸¸ œÏ¸œ÷¸ ˆÅ£›¸½ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‡½¬¸ú Auditors) Rules, 2014 during
¬¸¿¬˜¸¸‚¸Ê ˆ½Å ¬¸¸¿¢¨¸¢š¸ˆÅ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ׸£¸ the year ended March 31, 2024,
¢£œ¸¸½¢’ôŠ¸ ˆ½Å ‚ž¸¸¨¸ Ÿ¸Ê ˆ¿Åœ¸›¸ú (¥¸½‰¸¸œ¸£ú®¸¸ we are unable to comment on
such compliance for the said
‚¸¾£ ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê) ¢›¸¡¸Ÿ¸¸¨¸¥¸ú, 2014 entities as required to be reported
ˆ½Å ¢›¸¡¸Ÿ¸ 11(ƒÄ) ˆ½Å ‚¿÷¸Š¸Ä÷¸ ퟸ¸£½ ׸£¸ by us under Rule 11(e) of the
‚œ¸½¢®¸÷¸ ¢£œ¸¸½’Ä ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ퟸ „Æ÷¸ Companies (Audit and Auditors)
¬¸¿¬˜¸¸‚¸Ê ˆ½Å ¢¥¸‡ ‡½¬¸½ ‚›¸ºœ¸¸¥¸›¸ œ¸£ Rules, 2014.
¢’œœ¸µ¸ú ˆÅ£›¸½ Ÿ¸Ê ‚¬¸Ÿ¸˜¸Ä íÿ. v. For the financial year, as stated in Note
v. ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡, ¡¸˜¸¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê 18(7)(b) to the consolidated financial
statements, the Board of Directors of
ˆ½Å ›¸¸½’ 18(7)(¤¸ú) Ÿ¸Ê ¢›¸¢™Ä«’, ¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ the Bank have proposed final dividend
Ÿ¸¿”¥¸ ›¸½ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ‚¿¢÷¸Ÿ¸ ¥¸¸ž¸¸¿©¸ œÏ¬÷¸¸¢¨¸÷¸ for the year which is subject to the
¢ˆÅ¡¸¸ í¾ ¸¸½ ‚¸Š¸¸Ÿ¸ú ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ¬¸™¬¡¸¸Ê approval of the members at the ensuing
ˆ½Å ‚›¸ºŸ¸¸½™›¸ ˆ½Å ‚š¸ú›¸ í¾. ¥¸¸ž¸¸¿©¸ ˆÅú £¸¢©¸ ¥¸¸Š¸» Annual General Meeting. The amount of
‚¢š¸¢›¸¡¸Ÿ¸ ˆÅú š¸¸£¸ 123 ˆ½Å ‚›¸º¬¸¸£ œÏ¬÷¸¸¢¨¸÷¸ dividend proposed is in accordance with
í¾. íŸ¸Ê ™ú Š¸ƒÄ ¸¸›¸ˆÅ¸£ú ˆ½Å ‚›¸º¬¸¸£ ‚¸¾£ œÏ¤¸¿š¸›¸ section 123 of the Act, as applicable. As
per the information furnished to us and
ˆÅú œ¸º¦«’ ˆ½Å ‚¸š¸¸£ œ¸£ ÷¸˜¸¸ íŸ¸Ê ™ú Š¸ƒÄ ¬¸í¸¡¸ˆÅ based on the management confirmation
ˆ¿Åœ¸¢›¸¡¸¸Ê ˆÅú ¥¸½‰¸¸ œ¸£ú®¸¸ ¢£œ¸¸½’¸½ô ˆ½Å ‚¸š¸¸£ œ¸£À and the audit reports of subsidiaries
furnished to us by management:
ˆÅ. ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸, ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ¬¸½
¬¸¿¤¸¿¢š¸÷¸ ¤¸ÿˆÅ ׸£¸ œÏ¬÷¸¸¢¨¸÷¸, ‹¸¸½¢«¸÷¸ ‚¸¾£ a. During the year, the final dividend
ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ‚¿¢÷¸Ÿ¸ ¥¸¸ž¸¸¿©¸ ¡¸˜¸¸ proposed, declared and paid by
the bank relating to FY 2022-23
¥¸¸Š¸» ‚¢š¸¢›¸¡¸Ÿ¸ ˆÅú š¸¸£¸ 123 ˆ½Å ‚›¸º³Åœ¸ is in accordance with Section 123
í¾. of the Act, as applicable.
‰¸. ¬¸Ÿ¸»í Ÿ¸Ê ™¸½ ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸¢›¸¡¸¸Ê ›¸½ ¢œ¸Ž¥¸½ b. Two subsidiaries in the group
¨¸«¸Ä œÏ¬÷¸¸¢¨¸÷¸ ¥¸¸ž¸¸¿©¸ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ have paid the dividend proposed
í¾ ¸¸½ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸ ˆÅú š¸¸£¸ 123 in the previous year which is in
accordance with Section 123
ˆ½Å ‚›¸º¬¸¸£ í¾. ¬¸Ÿ¸»í ˆÅú ‚›¡¸ ¬¸í¸¡¸ˆÅ of the Companies Act. Other

dm{f©H$ [anmoQ>© Annual Report 2023-24 451

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Independent Auditors’ Report

¬¸¿¬˜¸¸‚¸Ê ›¸½ ¢œ¸Ž¥¸½ ¨¸«¸Ä ¢ˆÅ¬¸ú œÏˆÅ¸£ ˆ½Å subsidiaries of the group have
¥¸¸ž¸¸¿©¸ ˆÅ¸ œÏ¬÷¸¸¨¸ ›¸íú¿ £‰¸¸ í¾. not proposed any dividend in the
previous year.
Š¸. ¤¸ÿˆÅ ‚¸¾£ ¢ˆÅ¬¸ú ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸›¸ú ׸£¸ ¨¸«¸Ä ˆ½Å
c. No interim dividend has been
™¸¾£¸›¸ ¢ˆÅ¬¸ú ‚¿÷¸¢£Ÿ¸ ¥¸¸ž¸¸¿©¸ ˆÅú ‹¸¸½«¸µ¸¸ declared or paid during the year
¡¸¸ ž¸ºŠ¸÷¸¸›¸ ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. by the bank and any subsidiaries
‹¸. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, ¸¾¬¸¸ ¢ˆÅ …œ¸£ ‚›¡¸ during the current year.
Ÿ¸¸Ÿ¸¥¸½ ˆ½Å œ¸¾£¸ŠÏ¸ûÅ Ÿ¸Ê ¬¸¿™¢ž¸Ä÷¸ í¾, 4 d. Further, for the 4 associates,
¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‚¸Ê ˆ½Å ¢¥¸‡, ¢¸›¸ˆ½Å ¢¨¸î¸ú¡¸ as referred to in other matter
¢¨¸¨¸£µ¸¸Ê/ ¬¸»¸›¸¸‚¸Ê ˆÅú ¥¸½‰¸¸ œ¸£ú®¸¸ ›¸íú¿ paragraph above, whose financial
ˆÅú Š¸ƒÄ í¾, ¢›¸¡¸Ÿ¸ 11(‡ûÅ) ˆ½Å ÷¸í÷¸ ‡½¬¸ú statements/information have
¬¸¿¬˜¸¸‚¸Ê ˆ½Å ¬¸¸¿¢¨¸¢š¸ˆÅ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ׸£¸ not been audited, in absence of
¢£œ¸¸½¢’ôŠ¸ ˆ½Å ‚ž¸¸¨¸ Ÿ¸Ê ퟸ „Æ÷¸ ¬¸¿¬˜¸¸‚¸Ê reporting by statutory auditors of
such entities under Rule 11(f) we
ˆ½Å ¢¥¸‡ ƒ¬¸ ÷¸£í ˆ½Å ‚›¸ºœ¸¸¥¸›¸ œ¸£ ¢’œœ¸µ¸ú are unable to comment on such
ˆÅ£›¸½ Ÿ¸Ê ‚¬¸Ÿ¸˜¸Ä íÿ. compliance for the said entities.
vi. ퟸ¸£ú ¸¸¿¸ ˆ½Å ‚¸š¸¸£ œ¸£ ‚¸¾£ ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸Ê, ¢¸›¸ˆÅú vi. Based on our examination and based on the
¥¸½‰¸¸œ¸£ú®¸¸ ퟸ›¸½ ›¸íú¿ ˆÅú, ˆ½Å ¬¸¸¿¢¨¸¢š¸ˆÅ ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê ˆÅú report of the statutory auditors of subsidiaries
¢£œ¸¸½’Ä ˆ½Å ‚¸š¸¸£ œ¸£, ¬¸Ÿ¸»í ›¸½ ‚œ¸›¸ú ¥¸½‰¸¸ ¤¸¢í¡¸¸Ê ˆ½Å £‰¸- which were not audited by us, the group has
£‰¸¸¨¸ ˆ½Å ¢¥¸‡ ¥¸½‰¸¸¿ˆÅ›¸ ¬¸¸É’¨¸½¡¸£ ˆÅ¸ „œ¸¡¸¸½Š¸ ¢ˆÅ¡¸¸ í¾ used accounting software for maintaining
¢¸¬¸Ÿ¸Ê ¥¸½‰¸¸œ¸£ú®¸¸ ’ï½¥¸ (‡¢”’ ¥¸¸ÁŠ¸) ¢£ˆÅ¸¢”ôŠ¸ ˆÅ£›¸½ ˆÅú its books of accounts which have feature of
¬¸º¢¨¸š¸¸ í¾ ‚¸¾£ ¬¸¸É’¨¸½¡¸£ Ÿ¸Ê ¬¸ž¸ú ¥¸½›¸™½›¸¸Ê ˆÅ¸½ ¢£ˆÅ¸Á”Ä ˆÅ£›¸½ recording audit trail (edit log) facility and the
same have been operated throughout the year
ˆ½Å ¢¥¸‡ „¬¸½ œ¸»£½ ¨¸«¸Ä œ¸¢£¸¸¢¥¸÷¸ ¢ˆÅ¡¸¸ í¾. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, for all transactions recorded in the software.
ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ™¸¾£¸›¸ íŸ¸Ê ¥¸½‰¸¸ œ¸£ú®¸¸ ’ï½¥¸ ˆ½Å ¬¸¸˜¸ Further, during the course of our audit we did
í¬÷¸®¸½œ¸ ˆÅ¸ ˆÅ¸½ƒÄ „™¸í£µ¸ ›¸íú¿ ¢Ÿ¸¥¸¸. not come across any instance of audit trail
feature being tampered with.
œÏ¡¸¸½¡¸÷¸¸ ˆ½Å œÏ˜¸Ÿ¸ ¨¸«¸Ä Ÿ¸Ê, ‚¢ž¸¥¸½‰¸›¸ œÏ¢÷¸š¸¸£µ¸ ˆ½Å ¢¥¸‡
¥¸½‰¸¸ œ¸£ú®¸¸ ’ï½¥¸ ˆ½Å œ¸¢££®¸µ¸ œ¸£ ¢£œ¸¸½¢’ôŠ¸, ‚¸ƒÄ¬¸ú‡‚¸ƒÄ In the first year of applicability, the reporting on
׸£¸ ¸¸£ú ¢›¸™½Ä¢©¸ˆÅ¸ ›¸¸½’, ˆ¿Åœ¸›¸ú (¥¸½‰¸¸ œ¸£ú®¸¸ ‚¸¾£ ¥¸½‰¸¸ preservation of audit trail for record retention
is not required to be reported upon as per the
œ¸£ú®¸ˆÅ) ¢›¸¡¸Ÿ¸, 2014 ˆ½Å ¢›¸¡¸Ÿ¸ 11(¸ú) ˆ½Å ÷¸í÷¸ ¥¸½‰¸¸ Guidance Note on “Implementation Guide on
œ¸£ú®¸¸ ’ï½¥¸ ˆ½Å ¢£œ¸¸½¢’ôŠ¸ œ¸£ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ¢›¸™½Ä©¸ ˆ½Å ‚›¸º¬¸¸£ Reporting on Audit Trail under Rule 11(g) of the
¢£œ¸¸½’Ä ¢ˆÅ¡¸¸ ¸¸›¸¸ ‚¸¨¸©¡¸ˆÅ ›¸íú¿ í¾. Companies (Audit and Auditors) Rules, 2014”
issued by ICAI.
ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, ¸¾¬¸¸ ¢ˆÅ …œ¸£ ‚›¡¸ Ÿ¸¸Ÿ¸¥¸½ ˆ½Å œ¸¾£¸ŠÏ¸ûÅ Ÿ¸Ê
¬¸¿™¢ž¸Ä÷¸ í¾, 4 ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‚¸Ê ˆ½Å ¢¥¸‡, ¢¸›¸ˆ½Å ¢¨¸î¸ú¡¸ Further, for the 4 associates, as referred to in
¢¨¸¨¸£µ¸¸Ê/ ¬¸»¸›¸¸‚¸Ê ˆÅú ¥¸½‰¸¸ œ¸£ú®¸¸ ›¸íú¿ ˆÅú Š¸ƒÄ í¾, 31 other matter paragraph above, whose financial
Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆ¿Åœ¸›¸ú (¥¸½‰¸¸œ¸£ú®¸¸ statements/information have not been audited,
in absence of reporting by statutory auditors of
‚¸¾£ ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê) ¢›¸¡¸Ÿ¸¸¨¸¥¸ú, 2014 ˆ½Å ¢›¸¡¸Ÿ¸ 11(¸ú) such entities with respect to reporting on audit
ˆ½Å ÷¸í÷¸ ¥¸½‰¸¸œ¸£ú®¸¸ ’ï½¥¸ œ¸£ ¢£œ¸¸½¢’ôŠ¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‡½¬¸ú trail under Rule 11(g) of the Companies (Audit
¬¸¿¬˜¸¸‚¸Ê ˆ½Å ¬¸¸¿¢¨¸¢š¸ˆÅ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ׸£¸ ¢£œ¸¸½¢’ôŠ¸ and Auditors) Rules, 2014 during the year ended
ˆ½Å ‚ž¸¸¨¸ Ÿ¸Ê ˆ¿Åœ¸›¸ú (¥¸½‰¸¸œ¸£ú®¸¸ ‚¸¾£ ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê) March 31, 2024, we are unable to comment on
¢›¸¡¸Ÿ¸¸¨¸¥¸ú, 2014 ˆ½Å ¢›¸¡¸Ÿ¸ 11(¸ú) ˆ½Å ‚¿÷¸Š¸Ä÷¸ ퟸ¸£½ such compliance for the said entities as required
׸£¸ ‚œ¸½¢®¸÷¸ ¢£œ¸¸½’Ä ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ퟸ „Æ÷¸ ¬¸¿¬˜¸¸‚¸Ê ˆ½Å ¢¥¸‡ to be reported by us under Rule 11(g) of the
‡½¬¸½ ‚›¸ºœ¸¸¥¸›¸ œ¸£ ¢’œœ¸µ¸ú ˆÅ£›¸½ Ÿ¸Ê ‚¬¸Ÿ¸˜¸Ä íÿ. Companies (Audit and Auditors) Rules, 2014.

ˆ¼Å÷¸½ ¨¸Ÿ¸¸Ä ‡¿” ¨¸Ÿ¸¸Ä ˆ¼Å÷¸½ ¸ú ”ú ‚¸œ’½ ‡¿” ˆ¿Åœ¸›¸ú

For Varma & Varma For G D Apte & Co
¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants
ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸/FRN - 004532S ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸/FRN-100515W
ˆ½Å œ¸ú ªú¢›¸¨¸¸¬¸ ¬¸¸¾£ž¸ œ¸½©¸¨¸½
K P Srinivas Saurabh Peshwe
¬¸¸¸½™¸£/Partner ¬¸¸¸½™¸£/Partner
¬¸. ¬¸¿./M. No. 208520 ¬¸. ¬¸¿./M.No. 121546
¡¸»”ú‚¸ƒÄ‡›¸/UDIN: 24208520BKBLUN2507 ¡¸»”ú‚¸ƒÄ‡›¸/UDIN: 24121546BKBJGJ6371
¬˜¸¸›¸ À Ÿ¸º¿¤¸ƒÄ / Place: Mumbai
¢™›¸¸¿ˆÅ À 04 Ÿ¸ƒÄ 2024 / Date : May 04, 2024

452 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê œ¸£ ¬¨¸÷¸¿°¸ Annexure A to the Independent Auditor’s Report of even date
on the Consolidated Financial Statements of IDBI Bank Limited
¥¸½‰¸¸œ¸£ú®¸ˆÅ ˆÅú ¬¸Ÿ¸ ¢™›¸¸¿¢ˆÅ÷¸ ¢£œ¸¸½’Ä ˆÅ¸ ‚›¸º¤¸¿š¸ `‡'
Report on the Internal Financial Controls with reference to
ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 143 ˆÅú „œ¸-š¸¸£¸ 3 ˆ½Å ‰¸¿” (i) ˆ½Å ‚š¸ú›¸ financial statements under Clause (i) of Sub-section 3 of Section
¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê œ¸£ ¢£œ¸¸½’Ä 143 of the Companies Act, 2013

ퟸ›¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” (``¤¸ÿˆÅ'') ‚¸¾£ ƒ¬¸ˆÅú ¬¸í¸¡¸ˆÅ We have audited the internal financial controls with reference to
‡¨¸¿ ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‚¸Ê (¤¸ÿˆÅ ‚¸¾£ ƒ¬¸ˆÅú ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‡¿ ¢Ÿ¸¥¸¸ˆÅ£ ``¬¸Ÿ¸»í'' ˆ½Å ³Åœ¸ consolidated financial statements of IDBI Bank Limited (“the Bank”) as
at March 31, 2024 in conjunction with our audit of the Consolidated
Ÿ¸Ê ¢›¸¢™Ä«’) ˆ½Å ¬¸Ÿ¸ ¢™›¸¸¿¢ˆÅ÷¸ ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ퟸ¸£ú financial statements of the Bank and its subsidiaries and associates
¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ¬¸¸˜¸-¬¸¸˜¸ ¤¸ÿˆÅ ˆ½Å ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ (the Bank and its subsidiary companies together referred to as “the
¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ˆÅú í¾. Group”) for the year ended on that date.
‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆ½Å ¢¥¸‡ œÏ¤¸¿š¸›¸ ˆÅú ¢{¸ŸŸ¸½™¸£ú Management’s Responsibility for Internal Financial Controls
¬¸¿¤¸¿¢š¸÷¸ ˆ¿Åœ¸›¸ú ˆÅ¸ œÏ¤¸¿š¸›¸ ‚¸¾£ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸, ž¸¸£÷¸ú¡¸ ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£ ¬¸¿¬˜¸¸›¸ The respective company’s Management and Board of Directors
(‚¸ƒÄ¬¸ú‡‚¸ƒÄ) ׸£¸ ¸¸£ú `¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú are responsible for establishing and maintaining internal financial
¥¸½‰¸¸œ¸£ú®¸¸ œ¸£ Ÿ¸¸Š¸Ä™©¸úÄ ›¸¸½’' (`Ÿ¸¸Š¸Ä™©¸úÄ ›¸¸½’') Ÿ¸Ê ¢™‡ Š¸‡ ‚¸¿÷¸¢£ˆÅ ¢›¸¡¸¿°¸µ¸ ˆ½Å controls based on the internal control over financial reporting criteria
‚¸¨¸©¡¸ˆÅ ‹¸’ˆÅ¸Ê ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸÷¸½ íº‡ ¬¸¿¤¸¿¢š¸÷¸ ˆ¿Åœ¸›¸ú ׸£¸ ¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ Ÿ¸¸›¸™¿”¸Ê established by the respective company considering the essential
ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¤¸›¸¸‡ Š¸‡ ‚¸¿÷¸¢£ˆÅ ¢›¸¡¸¿°¸µ¸ œ¸£ ‚¸š¸¸¢£÷¸ ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê components of internal control stated in the Guidance Note on Audit
of Internal Financial Controls Over Financial Reporting (” the Guidance
ˆÅ¸½ ¬˜¸¸¢œ¸÷¸ ˆÅ£›¸½ ‚¸¾£ „›íÊ ¤¸›¸¸‡ £‰¸›¸½ ˆ½Å ¢¥¸‡ ¢¸ŸŸ¸½™¸£ í¾. ƒ›¸ ¢¸ŸŸ¸½™¸¢£¡¸¸Ê Ÿ¸Ê Note”) issued by the Institute of Chartered Accountants of India (“the
¬¸¿¤¸¿¢š¸÷¸ ˆ¿Åœ¸›¸ú ˆÅú ›¸ú¢÷¸¡¸¸Ê ˆ½Å ‚›¸ºœ¸¸¥¸›¸ ¬¸¢í÷¸ ƒ¬¸ˆ½Å ˆÅ¸£¸½¤¸¸£ ˆ½Å ¨¡¸¨¸¦¬˜¸÷¸ ‚¸¾£ ICAI”). These responsibilities include the design, implementation
ˆºÅ©¸¥¸ ¬¸¿¸¸¥¸›¸ ˆÅ¸½ ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ œÏž¸¸¨¸ú ³Åœ¸ ¬¸½ ˆÅ¸¡¸Ä ˆÅ£ £í½ œ¸¡¸¸Äœ÷¸ and maintenance of adequate internal financial controls that were
‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅ¸½ ÷¸¾¡¸¸£ ˆÅ£›¸¸, „›¸ˆÅ¸ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ‚¸¾£ ‚›¸º£®¸µ¸ ˆÅ£›¸¸, operating effectively for ensuring the orderly and efficient conduct
ƒ¬¸ˆÅú ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¬¸º£®¸¸, š¸¸½‰¸¸š¸¢”õ¡¸¸Ê ‚¸¾£ °¸º¢’¡¸¸Ê ˆÅú £¸½ˆÅ˜¸¸Ÿ¸ ‚¸¾£ œ¸í¸¸›¸, of its business, including adherence to the company’s policies, the
safeguarding of its assets, the prevention and detection of frauds and
¥¸½‰¸¸¿ˆÅ›¸ ¢£ˆÅ¸Á”¸½ô ˆÅú œ¸¢£©¸ºÖ÷¸¸ ‚¸¾£ œ¸¢£œ¸»µ¸Ä÷¸¸ ÷¸˜¸¸ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 errors, the accuracy and completeness of the accounting records,
(``‚š¸¢›¸¡¸Ÿ¸'') ˆÅú ‚œ¸½®¸¸‚¸Ê ˆ½Å ‚›¸º³Åœ¸ ¢¨¸æ¸¬¸›¸ú¡¸ ¢¨¸î¸ú¡¸ ¸¸›¸ˆÅ¸£ú ˆÅ¸½ ¬¸Ÿ¸¡¸¤¸Ö and the timely preparation of reliable financial information, as required
³Åœ¸ ¬¸½ ÷¸¾¡¸¸£ ˆÅ£›¸¸ ©¸¸¢Ÿ¸¥¸ í¾. under the Companies Act, 2013 (“the Act”).
¥¸½‰¸¸œ¸£ú®¸ˆÅ¸½¿ ˆÅú ¢¸ŸŸ¸½™¸£ú Auditors’ Responsibility
ퟸ¸£ú ¢¸ŸŸ¸½™¸£ú ¬¸Ÿ¸»í ‚¸¾£ ƒ¬¸ˆÅú ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê ˆ½Å ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£¢µ¸¡¸¸Ê Our responsibility is to express an opinion on the internal financial
ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê œ¸£ ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ‚¸š¸¸£ œ¸£ £¸¡¸ controls with reference to consolidated financial statements of the
‚¢ž¸¨¡¸Æ÷¸ ˆÅ£›¸½ ˆÅú í¾. ퟸ›¸½ ‚œ¸›¸ú ¥¸½‰¸¸œ¸£ú®¸¸ ‚¸ƒÄ¬¸ú‡‚¸ƒÄ ׸£¸ ¸¸£ú ¢¨¸î¸ú¡¸ Group and its associates based on our audit. We conducted our
¢£œ¸¸½¢’ôŠ¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ œ¸£ Ÿ¸¸Š¸Ä™©¸úÄ ›¸¸½’ audit in accordance with the Guidance Note on Audit of Internal
(`Ÿ¸¸Š¸Ä™©¸úÄ ›¸¸½’') ÷¸˜¸¸ ¥¸½‰¸¸œ¸£ú®¸¸ ¬¸¿¤¸¿š¸ú Ÿ¸¸›¸ˆÅ¸Ê (`‡¬¸‡') ˆ½Å ‚›¸º¬¸¸£ ˆÅú í¾ ¸¸½ Financial Controls Over Financial Reporting (“the Guidance Note”)
and the Standards on Auditing (“the SAs”), issued by the ICAI and
¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ œ¸£ ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ¢¥¸‡ ¥¸¸Š¸» ¬¸úŸ¸¸ deemed to be prescribed under section 143(10) of the Act, to
÷¸ˆÅ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸ ˆÅú š¸¸£¸ 143 (10) ˆ½Å ‚š¸ú›¸ ¢¨¸¢›¸¢™Ä«’ Ÿ¸¸›¸½ ¸¸‡¿Š¸½ ‚¸¾£ the extent applicable to an audit of internal financial controls over
™¸½›¸¸Ê ‚¸ƒÄ¬¸ú‡‚¸ƒÄ ׸£¸ ¸¸£ú ¢ˆÅ¡¸½ Š¸¡¸½ íÿ. „›¸ Ÿ¸¸›¸ˆÅ¸Ê ‚¸¾£ Ÿ¸¸Š¸Ä™©¸úÄ ›¸¸½’ ¬¸½ ¡¸í financial reporting, both issued by the ICAI. Those Standards and the
‚œ¸½¢®¸÷¸ í¾ ¢ˆÅ ퟸ ›¸ú¢÷¸œ¸£ˆÅ ‚œ¸½®¸¸‚¸Ê ˆÅ¸ œ¸¸¥¸›¸ ˆÅ£Ê ‚¸¾£ ¥¸½‰¸¸œ¸£ú®¸¸ ˆÅ¸½ ƒ¬¸ œÏˆÅ¸£ Guidance Note require that we comply with ethical requirements and
¬¸½ ¢›¸¡¸¸½¢¸÷¸ ‚¸¾£ ¢›¸«œ¸¸¢™÷¸ ˆÅ£Ê ¢ˆÅ ƒ¬¸ ‚¸©¸¡¸ ˆ½Å ¢¥¸‡ ¬¸Ÿ¸º¢¸÷¸ ‚¸æ¸¸¬¸›¸ ¢Ÿ¸¥¸ ¬¸ˆ½Å plan and perform the audit to obtain reasonable assurance about
whether adequate internal financial controls with reference to financial
¢ˆÅ Æ¡¸¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê œ¸¡¸¸Äœ÷¸ ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸ ¬˜¸¸¢œ¸÷¸ ‚¸¾£ statements was established and maintained and if such controls
‚›¸º£¢®¸÷¸ ¢ˆÅ‡ Š¸‡ íÿ ‚¸¾£ ¡¸í ž¸ú ¢ˆÅ ‡½¬¸½ ¢›¸¡¸¿°¸µ¸ ¬¸ž¸ú Ÿ¸í÷¨¸œ¸»µ¸Ä œ¸í¥¸º‚¸Ê Ÿ¸Ê œÏž¸¸¨¸ú operated effectively in all material respects.
³Åœ¸ ¬¸½ œ¸¢£¸¸¢¥¸÷¸ ¢ˆÅ‡ Š¸‡ íÿ.
Our audit involves performing procedures to obtain audit evidence
ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ Ÿ¸Ê ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê œ¸¡¸¸Äœ÷¸ ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ about the adequacy of the internal financial controls system with
¢›¸¡¸¿°¸µ¸ œÏµ¸¸¥¸ú ˆÅú œ¸¡¸¸Äœ÷¸÷¸¸ ‚¸¾£ „›¸ˆÅú œ¸¢£¸¸¥¸›¸ú¡¸ œÏž¸¸¨¸ˆÅ¸¢£÷¸¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê reference to consolidated financial statements and their operating
¥¸½‰¸¸œ¸£ú®¸¸ ¬¸¸®¡¸ œÏ¸œ÷¸ ˆÅ£›¸½ í½÷¸º ‚œ¸›¸¸ƒÄ Š¸ƒÄ œÏ¢ÇÅ¡¸¸‡Â ©¸¸¢Ÿ¸¥¸ íÿ. ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ effectiveness. Our audit of internal financial controls with reference to
¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ Ÿ¸Ê ¬¸Ÿ¸½¢ˆÅ÷¸ consolidated financial statements included obtaining an understanding
of internal financial controls with reference to consolidated financial
¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê œ¸£ ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú ¬¸Ÿ¸¸ í¸¢¬¸¥¸ ˆÅ£›¸¸, ‡½¬¸ú ¸¸½¢‰¸Ÿ¸¸Ê statements, assessing the risk that a material weakness exists, and
ˆÅ¸ ‚¸ˆÅ¥¸›¸ ˆÅ£›¸¸ ¸í¸¿ ÷¸¸¦÷¨¸ˆÅ ˆÅŸ¸ú ¢¨¸Ô¸Ÿ¸¸›¸ í¾, ‚¸¾£ ‚¸ˆÅ¢¥¸÷¸ ¸¸½¢‰¸Ÿ¸ ˆ½Å ‚¸š¸¸£ testing and evaluating the design and operating effectiveness of
œ¸£ ‚¸¿÷¸¢£ˆÅ ¢›¸¡¸¿°¸µ¸ ÷¸¾¡¸¸£ ˆÅ£›¸¸ ‚¸¾£ œ¸¢£¸¸¥¸›¸ œÏž¸¸¨¸ˆÅ¸¢£÷¸¸ ˆÅ¸ œ¸£ú®¸µ¸ ‚¸¾£ internal control based on the assessed risk. The procedures selected
Ÿ¸»¥¡¸¸¿ˆÅ›¸ ©¸¸¢Ÿ¸¥¸ í¾. ¸º›¸ú Š¸ƒÄ œÏ¢ÇÅ¡¸¸‡Â ¥¸½‰¸¸œ¸£ú®¸ˆÅ ˆ½Å ¢›¸µ¸Ä¡¸ œ¸£ ‚¸š¸¸¢£÷¸ íÿ, ¢¸›¸Ÿ¸Ê depend on the auditor’s judgement, including the assessment of the
¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê š¸¸½‰¸½ ¡¸¸ Š¸¥¸÷¸ú ¬¸½ ¢ˆÅ¬¸ú ÷¸¸¦÷¨¸ˆÅ ‚¡¸˜¸¸˜¸Ä ˆÅ˜¸›¸ ˆ½Å ¸¸½¢‰¸Ÿ¸ ˆÅ¸ risks of material misstatement of the financial statements, whether
due to fraud or error.
‚¸ˆÅ¥¸›¸ ©¸¸¢Ÿ¸¥¸ í¾.

dm{f©H$ [anmoQ>© Annual Report 2023-24 453

ñdV§Ì boImnarjH$mo§ H$r {anmoQ©
Independent Auditors’ Report

íŸ¸Ê ¢¨¸æ¸¸¬¸ í¾ ¢ˆÅ ퟸ¸£½ ׸£¸ œÏ¸œ÷¸ ¥¸½‰¸¸œ¸£ú®¸¸ ¬¸¸®¡¸ ÷¸˜¸¸ ‚›¡¸ Ÿ¸¸Ÿ¸¥¸½ œ¸¾£¸ŠÏ¸ûÅ Ÿ¸Ê We believe that the audit evidence we have obtained and the audit
evidence obtained by the other auditors in terms of their reports
¬¸¿™¢ž¸Ä÷¸ ‚›¡¸ ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê ׸£¸ œÏ¸œ÷¸ ¥¸½‰¸¸œ¸£ú®¸¸ ¬¸¸®¡¸, ¬¸Ÿ¸»í ‚¸¾£ ƒ¬¸ˆÅú ¬¸í¡¸¸½Š¸ú
referred to in the Other Matters paragraphs, below are sufficient
¬¸¿¬˜¸¸‚¸Ê ˆ½Å ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸ œÏµ¸¸¥¸ú and appropriate to provide a basis for our audit opinion on internal
ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ퟸ¸£ú ¥¸½‰¸¸œ¸£ú®¸¸ £¸¡¸ ˆ½Å ¢¥¸‡ ‚¸š¸¸£ œÏ™¸›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ œ¸¡¸¸Äœ÷¸ ‚¸¾£ financial controls system with reference to Consolidated Financial
„œ¸¡¸ºÆ÷¸ íÿ. Statements of the Group and its associates.

¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅ¸ Meaning of Internal Financial Controls with reference to
Consolidated Financial Statements
‚˜¸Ä
A Bank’s internal financial control with reference to consolidated
¤¸ÿˆÅ ˆ½Å ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸ ¨¸í œÏ¢ÇÅ¡¸¸ í¾ ¸¸½ financial statements is a process designed to provide reasonable
¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ ˆÅú ¢¨¸æ¸¬¸›¸ú¡¸÷¸¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê „¢¸÷¸ ‚¸æ¸¸¬¸›¸ ™½›¸½ ‚¸¾£ ¬¸¸Ÿ¸¸›¡¸ ³Åœ¸ ¬¸½ assurance regarding the reliability of financial reporting and the
¬¨¸úˆ¼Å÷¸ ¥¸½‰¸¸¿ˆÅ›¸ ¢¬¸Ö¸¿÷¸¸Ê ˆ½Å ‚›¸º³Åœ¸ ¤¸¸à¸ œÏ¡¸¸½¸›¸¸Ê ˆ½Å ¢¥¸‡ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅ¸½ ÷¸¾¡¸¸£ preparation of financial statements for external purposes in
ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¤¸›¸¸ƒÄ Š¸ƒÄ í¾. ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ¤¸ÿˆÅ ˆ½Å ‚¸¿÷¸¢£ˆÅ accordance with generally accepted accounting principles. A Bank’s
internal financial control with reference to consolidated financial
¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸ Ÿ¸Ê ¨¸½ ›¸ú¢÷¸¡¸¸Â ‚¸¾£ œÏ¢ÇÅ¡¸¸‡Â ©¸¸¢Ÿ¸¥¸ íÿ ¸¸½À
statements includes those policies and procedures that
1) „›¸ ‚¢ž¸¥¸½‰¸¸Ê ˆ½Å ‚›¸º£®¸µ¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ íÿ ¸¸½ ¡¸˜¸¸½¢¸÷¸ ¤¡¸¸½£½ ‡¨¸¿ œ¸¢£©¸ºÖ÷¸¸ 1) pertain to the maintenance of records that, in reasonable detail,
ˆ½Å ¬¸¸˜¸ ¬¸Ÿ¸»í ‚¸¾£ ƒ¬¸ˆÅú ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‚¸Ê ˆÅú ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¬¸¿¨¡¸¨¸í¸£¸Ê ‚¸¾£ accurately and fairly reflect the transactions and dispositions
¢›¸œ¸’¸›¸¸Ê ˆÅ¸½ „¢¸÷¸ ³Åœ¸ ¬¸½ ™©¸¸Ä÷¸½ íÿ; of the assets of the Group and its associate companies;

2) ƒ¬¸ ‚¸©¸¡¸ ˆ½Å ¢¥¸‡ ¡¸˜¸¸½¢¸÷¸ ‚¸æ¸¸¬¸›¸ ™½÷¸½ íÿ ¢ˆÅ ¬¸¿¨¡¸í¸£ ¬¸¸Ÿ¸¸›¡¸ ³Åœ¸ ¬¸½ 2) provide reasonable assurance that transactions are recorded
as necessary to permit preparation of consolidated financial
¬¨¸úˆ¼Å÷¸ ¥¸½‰¸¸¿ˆÅ›¸ ¢¬¸Ö¸¿÷¸¸Ê ˆ½Å ‚›¸º³Åœ¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅ¸½ ÷¸¾¡¸¸£
statements in accordance with generally accepted accounting
ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‚›¸ºŸ¸÷¸ ‚œ¸½®¸¸ ˆ½Å ¬¸¸˜¸ ™¸Ä ¢ˆÅ‡ ¸¸÷¸½ íÿ ‚¸¾£ ¡¸í ž¸ú ¢ˆÅ ¬¸¿¬˜¸¸ principles, and that receipts and expenditures of the entity
ˆÅú œÏ¸¦œ÷¸¡¸¸Â ‚¸¾£ ¨¡¸¡¸ ¬¸¿¬˜¸¸ ˆ½Å œÏ¤¸¿š¸›¸ ‚¸¾£ ¢›¸™½©¸ˆÅ¸Ê ˆ½Å œÏ¸¢š¸ˆÅ¸£ ‚›¸º¬¸¸£ are being made only in accordance with authorizations of
íú ¢ˆÅ‡ ¸¸ £í½ íÿ; ‚¸¾£ Management and Directors of the entity; and

3) ¬¸¿¬˜¸¸ ˆÅú ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ‚œÏ¸¢š¸ˆ¼Å÷¸ ‚¢š¸ŠÏíµ¸, „œ¸¡¸¸½Š¸ ‚˜¸¨¸¸ ¢›¸œ¸’¸›¸ ˆÅú 3) provide reasonable assurance regarding prevention or timely
detection of unauthorized acquisition, use, or disposition of
£¸½ˆÅ˜¸¸Ÿ¸ ¡¸¸ ¬¸Ÿ¸¡¸ œ¸£ œ¸í¸¸›¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê „¢¸÷¸ ‚¸æ¸¸¬¸›¸ ™½÷¸½ íÿ ¢¸›¸ˆÅ¸
the entity’s assets that could have a material effect on the
¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê œ¸£ Ÿ¸í÷¨¸œ¸»µ¸Ä œÏž¸¸¨¸ œ¸”õ ¬¸ˆÅ÷¸¸ ˜¸¸. consolidated financial statements.
¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú ‚¿÷¸¢›¸Ä¢í÷¸ Inherent Limitations of Internal Financial Controls with reference
¬¸úŸ¸¸‡¿ to Consolidated Financial Statements

¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆÅú ‚¿÷¸¢›¸Ä¢í÷¸ Because of the inherent limitations of internal financial controls
with reference to consolidated financial statements, including the
¬¸úŸ¸¸‚¸Ê, ¢¸›¸Ÿ¸Ê ¢›¸¡¸¿°¸µ¸¸Ê ˆ½Å ’ˆÅ£¸¨¸ ‚˜¸¨¸¸ ‚¬¸¿Š¸÷¸ œÏ¤¸¿š¸›¸ ¬¸½ ¢›¸¡¸¿°¸µ¸¸Ê ˆ½Å ‚¢š¸¨¡¸¸œ¸›¸
possibility of collusion or improper management override of controls,
ˆÅú ¬¸¿ž¸¸¨¸›¸¸ ©¸¸¢Ÿ¸¥¸ í¾, ˆ½Å ˆÅ¸£µ¸ °¸º¢’ ‚˜¸¨¸¸ š¸¸½‰¸¸š¸”õú ˆÅú ¨¸¸í ¬¸½ ÷¸¸¦î¨¸ˆÅ ‚¡¸˜¸¸˜¸Ä material misstatements due to error or fraud may occur and not be
ˆÅ˜¸›¸ ˆÅú ‹¸’›¸¸ í¸½ ¬¸ˆÅ÷¸ú í¾ ‚¸¾£ „›¸ˆÅ¸ œ¸÷¸¸ ›¸ ¥¸Š¸¸¡¸¸ ¸¸ ¬¸ˆ½Å. ¬¸¸˜¸ íú, ž¸¸¨¸ú detected. Also, projections of any evaluation of the internal financial
‚¨¸¢š¸¡¸¸Ê ˆ½Å ¢¥¸‡ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸¸Ê ˆ½Å controls with reference to consolidated financial statements to future
¢ˆÅ¬¸ú Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å œ¸»¨¸¸Ä›¸ºŸ¸¸›¸ ƒ¬¸ ¸¸½¢‰¸Ÿ¸ ˆ½Å ‚š¸ú›¸ íÿ ¢ˆÅ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å periods are subject to the risk that the internal financial control
with reference to consolidated financial statements may become
¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸ œ¸¢£¦¬˜¸¢÷¸¡¸¸Ê Ÿ¸Ê í¸½›¸½ ¨¸¸¥¸½ œ¸¢£¨¸÷¸Ä›¸¸Ê ‚˜¸¨¸¸ ›¸ú¢÷¸¡¸¸Ê
inadequate because of changes in conditions, or that the degree of
‚˜¸¨¸¸ œÏ¢ÇÅ¡¸¸‚¸Ê ˆ½Å ‚›¸ºœ¸¸¥¸›¸ ˆ½Å ¬÷¸£ Ÿ¸Ê ‚¸›¸½ ¨¸¸¥¸ú ¢Š¸£¸¨¸’ ˆ½Å ˆÅ¸£µ¸ ‚œ¸¡¸¸Äœ÷¸ í¸½ compliance with the policies or procedures may deteriorate.
¬¸ˆÅ÷¸½ íÿ.
Opinion
‚¢ž¸Ÿ¸÷¸
In our opinion, the Group and its associate companies have in all
ퟸ¸£ú £¸¡¸ Ÿ¸Ê ¬¸Ÿ¸»í ‚¸¾£ ƒ¬¸ˆÅú ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê Ÿ¸Ê ¬¸ž¸ú Ÿ¸í÷¨¸œ¸»µ¸Ä œ¸í¥¸º‚¸Ê ˆÅú ´¦«’ material respects, an adequate internal financial controls system
with reference to consolidated financial statements and such internal
¬¸½ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê œ¸¡¸¸Äœ÷¸ ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸ œÏµ¸¸¥¸ú ¥¸¸Š¸»
financial controls with reference to consolidated financial statements
í¾ ‚¸¾£ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‡½¬¸½ ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢›¸¡¸¿°¸µ¸ ž¸¸£÷¸ú¡¸ were operating effectively as at March 31, 2024, based on the internal
¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£ ¬¸¿¬˜¸¸›¸ ׸£¸ ¸¸£ú ¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ control over financial reporting criteria established by the Group and
¢›¸¡¸¿°¸µ¸¸Ê ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ œ¸£ Ÿ¸¸Š¸Ä™©¸úÄ ›¸¸½’ Ÿ¸Ê ¢™‡ Š¸‡ ‚¸¿÷¸¢£ˆÅ ¢›¸¡¸¿°¸µ¸ ˆ½Å ‚¸¨¸©¡¸ˆÅ its associate companies considering the essential components
‹¸’ˆÅ¸Ê ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸÷¸½ íº‡ ¬¸Ÿ¸»í ‚¸¾£ ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê ׸£¸ ¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ of internal control stated in the Guidance Note on Audit of Internal
Financial Controls Over Financial Reporting issued by the Institute of
Ÿ¸¸›¸™¿”¸Ê œ¸£ ¬˜¸¸¢œ¸÷¸ ‚¸¿÷¸¢£ˆÅ ¢›¸¡¸¿°¸µ¸ ˆ½Å ‚¸š¸¸£ œ¸£ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸½ œÏž¸¸¨¸ú
Chartered Accountants of India.
³Åœ¸ ¬¸½ ˆÅ¸¡¸Ä ˆÅ£ £í½ ˜¸½.

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Corporate Overview Statutory Reports Financial Statements

‚›¡¸ Ÿ¸¸Ÿ¸¥¸½ Other Matters

Our aforesaid report under section 143(3)(i) of the Act on the adequacy
¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¿÷¸¢£ˆÅ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú œ¸¡¸¸Äœ÷¸÷¸¸ ‚¸¾£ and operating effectiveness of the Internal Financial Controls with
œ¸¢£¸¸¥¸›¸Š¸÷¸ œÏž¸¸¨¸ˆÅ¸¢£÷¸¸ œ¸£ ‚¢š¸¢›¸¡¸Ÿ¸ ˆÅú š¸¸£¸ 143(3)(i) ˆ½Å ‚š¸ú›¸ ퟸ¸£ú reference to Consolidated Financial Statements insofar as it relates
„œ¸¡¸ºÄÆ÷¸ ¢£œ¸¸½’Ä ˆÅ¸ ¸í¸¿ ÷¸ˆÅ ¢›¸Ÿ›¸ ÷¸˜¡¸¸Ê ¬¸½ ¬¸¿¤¸¿š¸ í¾À to;

ˆÅ) ž¸¸£÷¸ Ÿ¸Ê ¢›¸Š¸¢Ÿ¸÷¸ 4 ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸¢›¸¡¸¸Ê ˆÅú ¬¸¿¤¸¿¢š¸÷¸ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ˆÅú a. 4 subsidiary companies, incorporated in India, is based on the
÷¸™Ã›¸º³Åœ¸ú ¢£œ¸¸½’Ä œ¸£ ‚¸š¸¸¢£÷¸ í¾; corresponding report of the respective auditors’ ;

b. 1 subsidiary company, incorporated in India, whose

‰¸) ž¸¸£÷¸ Ÿ¸Ê ¢›¸Š¸¢Ÿ¸÷¸ 1 ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸›¸ú, ¢¸¬¸ˆ½Å ¢¨¸¢©¸«’ „Ó½©¡¸ ˆ½Å ¢¥¸‡ ¢¨¸î¸ú¡¸ special purpose financial statements has been audited by
¢¨¸¨¸£µ¸¸Ê ˆÅ¸ ¥¸½‰¸¸ œ¸£ú®¸µ¸ „¬¸ˆ½Å ¬¨¸÷¸¿°¸ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ ׸£¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾, ›¸½ it’s independent auditor has not furnished a report under
š¸¸£¸143 (3) (i) ˆ½Å ÷¸í÷¸ ¢£œ¸¸½’Ä œÏ¬÷¸º÷¸ ›¸íú¿ ˆÅú í¾. ퟸ¸£ú £¸¡¸ œÏž¸¸¢¨¸÷¸ 143 (3)(i). Our opinion is not affected as the net profit / loss
›¸íú¿ í¾ Æ¡¸¸Ê¢ˆÅ ƒ›¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ƒ¬¸ ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸›¸ú ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê and disclosures included in respect of this subsidiary in these
©¸¸¢Ÿ¸¥¸ ¢›¸¨¸¥¸ ¥¸¸ž¸ / í¸¢›¸ ‚¸¾£ œÏˆÅ’úˆÅ£µ¸ ¬¸Ÿ¸»í ˆ½Å ¢¥¸‡ Ÿ¸í÷¨¸œ¸»µ¸Ä ›¸íú¿ íÿ. Consolidated Financial Statements are not material to the
Group.
Š¸) ž¸¸£÷¸ Ÿ¸Ê ¢›¸Š¸¢Ÿ¸÷¸ 4 ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸¢›¸¡¸¸Ê, ¢¸›¸ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê/ ¢¨¸î¸ú¡¸ c. 4 associates, incorporated in India whose financial
¸¸›¸ˆÅ¸£ú ˆÅ¸ ¥¸½‰¸¸ œ¸£ú®¸µ¸ ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ퟸ¸£ú £¸¡¸ œÏž¸¸¢¨¸÷¸ statements/ financial information are unaudited, our opinion is
›¸íú¿ í¾ Æ¡¸¸Ê¢ˆÅ ƒ›¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ƒ›¸ ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ not affected as the share of net profit / loss and disclosures
Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ¢›¸¨¸¥¸ ¥¸¸ž¸ / í¸¢›¸ ‚¸¾£ œÏˆÅ’úˆÅ£µ¸ ¬¸Ÿ¸»í ˆ½Å ¢¥¸‡ Ÿ¸í÷¨¸œ¸»µ¸Ä ›¸íú¿ included in respect of these associates in the Consolidated
íÿ. Financial Statements are not material to the Group.

„œ¸£¸½Æ÷¸ Ÿ¸¸Ÿ¸¥¸½¿ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ퟸ¸£ú ¢£œ¸¸½’Ä ˆÅ¸½ ¬¸¿©¸¸½¢š¸÷¸ ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾
Our report is not modified in respect of the above matters

ˆ¼Å÷¸½ ¨¸Ÿ¸¸Ä ‡¿” ¨¸Ÿ¸¸Ä ˆ¼Å÷¸½ ¸ú ”ú ‚¸œ’½ ‡¿” ˆ¿Åœ¸›¸ú

For Varma & Varma For G D Apte & Co
¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants
ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸/FRN - 004532S ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸/FRN-100515W
ˆ½Å œ¸ú ªú¢›¸¨¸¸¬¸ ¬¸¸¾£ž¸ œ¸½©¸¨¸½
K P Srinivas Saurabh Peshwe
¬¸¸¸½™¸£/Partner ¬¸¸¸½™¸£/Partner
¬¸. ¬¸¿./M. No. 208520 ¬¸. ¬¸¿./M.No. 121546
¡¸»”ú‚¸ƒÄ‡›¸/UDIN: 24208520BKBLUN2507 ¡¸»”ú‚¸ƒÄ‡›¸/UDIN: 24121546BKBJGJ6371
¬˜¸¸›¸ À Ÿ¸º¿¤¸ƒÄ / Place: Mumbai
¢™›¸¸¿ˆÅ À 04 Ÿ¸ƒÄ 2024 / Date : May 04, 2024

dm{f©H$ [anmoQ>© Annual Report 2023-24 455

g_o{H$V VwbZ-nÌ 31 ‘mM© 2024 H$mo
Consolidated Balance Sheet as at March 31, 2024

(`` ‘000 Ÿ¸½¿ / ` in ‘000)

¢¨¸¨¸£µ¸ / Particulars ‚›¸º¬¸»¸ú ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
Schedule As at As at
March 31, 2024 March 31, 2023

œ¸»¿¸ú ‚¸¾£ ™½¡¸÷¸¸‡¿ / CAPITAL AND LIABILITIES

œ¸»¿¸ú / Capital 1 10752 40 22 10752 40 22

¢£{¸¨¸Ä ‚¸¾£ ‚¢š¸©¸½«¸ / Reserves and surplus 2 40320 65 69 35566 84 18

‚¥œ¸¬¸¿‰¡¸ˆÅ ¢í÷¸ / Minority Interest 2A 152 85 74 138 48 33

¸Ÿ¸¸£¸¢©¸¡¸¸¿ / Deposits 3 277365 51 49 255313 26 51

„š¸¸£ £¸¢©¸¡¸¸¿ / Borrowings 4 17082 69 58 12637 75 01

‚›¡¸ ™½¡¸÷¸¸‡¿ ‡¨¸¿ œÏ¸¨¸š¸¸›¸ / Other Liabilities and Provisions 5 18597 37 44 17088 96 45
ˆºÅ¥¸ / TOTAL 364271 50 16 331497 70 70
‚¸¦¬÷¸¡¸¸¿ / ASSETS
›¸ˆÅ™ú ‚¸¾£ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ©¸½«¸
Cash and balances with Reserve Bank of India 6 13990 99 92 16639 28 10
¤¸ÿˆÅ¸Ê ˆ½Å œ¸¸¬¸ ©¸½«¸ ÷¸˜¸¸ Ÿ¸¸¿Š¸ ‚¸¾£ ‚¥œ¸ ¬¸»¸›¸¸ œ¸£ œÏ¢÷¸™½¡¸ £¸¢©¸
Balances with banks and money at call and short notice 7 12018 47 70 12607 65 04
¢›¸¨¸½©¸ / Investments 8 115718 59 53 100408 67 72

‚¢ŠÏŸ¸ / Advances 9 188575 61 69 162545 84 89

¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸¿ / Fixed Assets 10 9542 29 77 9780 40 46

‚›¡¸ ‚¸¦¬÷¸¡¸¸¿ / Other Assets 11 24425 51 55 29515 84 49

ˆºÅ¥¸ / TOTAL 364271 50 16 331497 70 70
‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‡¿ / Contingent Liabilities 12 197055 57 70 176929 12 79

¨¸¬¸»¥¸ú í½÷¸º ¢¤¸¥¸ / Bills for collection 12363 89 59 11310 73 40

Ÿ¸í÷¨¸œ¸»µ¸Ä ¥¸½‰¸¸ ›¸ú¢÷¸¡¸¸¿ ÷¸˜¸¸ ¥¸½‰¸¸ ¢’œœ¸¢µ¸¡¸¸¿ 17 & 18

Significant Accounting Policies and Notes to Accounts
„œ¸¡¸ºÄÆ÷¸ ¬¸¿™¢ž¸Ä÷¸ ‚›¸º¬¸»¢¸¡¸¸¿ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚¢ž¸››¸ ž¸¸Š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê íÿ
The Schedules referred to above form an integral part of the Balance Sheet
¤¸¸½”Ä ˆ½Å ‚¸™½©¸ ¬¸½ / BY ORDER OF THE BOARD

(£¸ˆ½Å©¸ ©¸Ÿ¸¸Ä) (¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾) (¬¸Ÿ¸£½©¸ œ¸¢£™¸) (¦¬Ÿ¸÷¸¸ ˆºÅ¤¸½£) (¡¸¸½¢÷¸ ›¸¸¡¸£)
(Rakesh Sharma) (Jayakumar S. Pillai) (Samaresh Parida) (Smita Kuber) (Jyothi Nair)
œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ Ÿ¸º‰¡¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ‚¢š¸ˆÅ¸£ú „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ¢›¸™½©¸ˆÅ Ÿ¸º‰¡¸ ¢¨¸î¸ú¡¸ ‚¢š¸ˆÅ¸£ú ˆ¿Åœ¸›¸ú ¬¸¢¸¨¸
Managing Director & Chief Executive Officer Dy. Managing Director Director Chief Financial Officer Company Secretary
”ú‚¸ƒÄ‡›¸/DIN: 06846594 ”ú‚¸ƒÄ‡›¸/(DIN: 10041362) ”ú‚¸ƒÄ‡›¸/DIN: 01853823
ퟸ¸£ú ¬¸Ÿ¸-¢™›¸¸¿¢ˆÅ÷¸ ¢£œ¸¸½’Ä ˆ½Å ‚›¸º¬¸¸£
As per our report of even date
ˆ¼Å÷¸½ ¨¸Ÿ¸¸Ä ‡¿” ¨¸Ÿ¸¸Ä ˆ¼Å÷¸½ ¸ú ”ú ‚¸œ’½ ‡¿” ˆ¿Åœ¸›¸ú
For Varma & Varma For G D Apte & Co
¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants
ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸/FRN - 004532S ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸/FRN-100515W

ˆ½Å œ¸ú ªú¢›¸¨¸¸¬¸ ¬¸¸¾£ž¸ œ¸½©¸¨¸½

K P Srinivas Saurabh Peshwe
¬¸¸¸½™¸£/Partner ¬¸¸¸½™¸£/Partner
¬¸. ¬¸¿. 208520/M. No. 208520 ¬¸. ¬¸¿. 121546/M.No. 121546
¬˜¸¸›¸ À Ÿ¸º¿¤¸ƒÄ / Place: Mumbai
¢™›¸¸¿ˆÅ À 04 Ÿ¸ƒÄ 2024 / Date : May 04, 2024

456 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V bm^-hm{Z boIm 31 ‘mM© 2024 H$mo g‘má df© Ho$ {bE
Consolidated Profit and Loss Account for the year ended March 31, 2024

(` ‘000 Ÿ¸½¿ / ` in ‘000)

¢¨¸¨¸£µ¸ / Particulars ‚›¸º¬¸»¸ú 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

Schedule ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Year Ended Year Ended
March 31, 2024 March 31, 2023

I ‚¸¡¸/ INCOME
‚¢¸Ä÷¸ ¤¡¸¸¸ / Interest earned 13 26445 65 27 20591 52 71

‚›¡¸ ‚¸¡¸ / Other Income 14 3924 76 02 4575 37 68

ˆºÅ¥¸ / TOTAL 30370 41 29 25166 90 39

II ¨¡¸¡¸ / EXPENDITURE
¨¡¸¡¸Š¸÷¸ ¤¡¸¸¸ / Interest expended 15 12226 35 92 9130 44 57

œ¸¢£¸¸¥¸›¸ ¨¡¸¡¸ / Operating expenses 16 8370 39 27 7232 56 52

œÏ¸¨¸š¸¸›¸ ‡¨¸¿ ‚¸ˆÅ¦¬Ÿ¸ˆÅ÷¸¸‡¿ / Provisions and contingencies 4010 25 06 5117 05 05

ˆºÅ¥¸ / TOTAL 24607 00 25 21480 06 14

III ¥¸¸ž¸ / PROFIT

¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‚¸Ê Ÿ¸Ê ‚¸Ä›¸/(í¸¢›¸) ˆÅ¸ ¢í¬¬¸¸ 50 68 95 41 12 92
Share of Earnings/(loss) in Associates

‚¥œ¸¬¸¿‰¡¸ˆÅ¸½¿ ˆ½Å ¢í÷¸ ˆÅú ˆÅ’¸¾÷¸ú ¬¸½ œ¸»¨¸Ä ¨¸«¸Ä ˆÅ¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢›¸¨¸¥¸ ¥¸¸ž¸/(í¸¢›¸) 5814 09 99 3727 97 17
Consolidated Net profit/(loss) for the year before deducting
Minorities' Interest

‹¸’¸‡¿À ‚¥œ¸¬¸¿‰¡¸ˆÅ¸Ê ˆÅ¸ ¢í÷¸ / Less: Minorities' Interest 25 98 82 21 91 24

¬¸Ÿ¸»í ¬¸½ ¨¸«¸Ä ˆÅ¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¥¸¸ž¸/(í¸¢›¸) 5788 11 17 3706 05 93

Consolidated profit/(loss) for the year attributable to the group

¸¸½”õÊÀ ¬¸Ÿ¸»í ¬¸½ ‚¸Š¸½ ¥¸¸¡¸¸ Š¸¡¸¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¥¸¸ž¸/(í¸¢›¸) 4577 92 21 (43395 79 67)
Add: Brought forward consolidated profit/(loss) attributable to the
group

‚¸Š¸½ ¥¸¸ƒÄ Š¸ƒÄ í¸¢›¸¡¸¸Ê ˆÅ¸ ©¸½¡¸£ œÏú¢Ÿ¸¡¸Ÿ¸ ¬¸½ ¬¸Ÿ¸¿¸›¸ - 45396 18 36
Brought forward losses set off against Share premium

ˆºÅ¥¸ / TOTAL 10366 03 38 5706 44 62

IV ¢¨¸¢›¸¡¸¸½¸›¸ / APPROPRIATIONS
¬¸¸¿¢¨¸¢š¸ˆÅ ¢£{¸¨¸Ä Ÿ¸Ê ‚¿÷¸£µ¸ / Transfer to Statutory Reserve 1408 52 35 911 27 37

œ¸»¿¸úŠ¸÷¸ ¢£{¸¨¸Ä Ÿ¸Ê ‚¿÷¸£µ¸ / Transfer to Capital Reserve 41 33 02 18 21 87

dm{f©H$ [anmoQ>© Annual Report 2023-24 457

g_o{H$V bm^-hm{Z boIm 31 ‘mM© 2024 H$mo g‘má df© Ho$ {bE
Consolidated Profit and Loss Account for the year ended March 31, 2024

(` ‘000 Ÿ¸½¿ / ` in ‘000)

¢¨¸¨¸£µ¸ / Particulars ‚›¸º¬¸»¸ú 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

Schedule ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Year Ended Year Ended
March 31, 2024 March 31, 2023

¬¸¸Ÿ¸¸›¡¸ ¢£¸¨¸Ä Ÿ¸Ê ‚¿÷¸£µ¸ / Transfer to General Reserve 3 13 81 2 64 59

Š¸÷¸ ¨¸«¸Ä ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¥¸¸ž¸¸¿©¸ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ 1075 24 02 -
Dividend pertaining to previous year paid during the year

¢›¸¨¸½©¸ „÷¸¸£-¸õ¸¨¸ ¢£{¸¨¸Ä (‚¸ƒÄ‡ûÅ‚¸£) Ÿ¸Ê ‚¿÷¸£µ¸

Transfer to Investment Fluctuation Reserve (IFR) 151 99 55 196 38 58

©¸½«¸ £¸¢©¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ÷¸º¥¸›¸œ¸°¸ Ÿ¸Ê ¥¸½ ¸¸ƒÄ Š¸ƒÄ

Balance carried over to Consolidated balance sheet 7685 80 63 4577 92 21

ˆºÅ¥¸ / TOTAL 10366 03 38 5706 44 62

œÏ¢÷¸ ©¸½¡¸£ ‚¸Ä›¸ (`) (‚¿¢ˆÅ÷¸ Ÿ¸»¥¡¸ ` 10 œÏ¢÷¸ ©¸½¡¸£)

Earnings per Share (`) (Face Value ` 10 per Share) 18 (7a) 5.38 3.45

Ÿ¸»¥¸/ / Basic - -

›¡¸»›¸úˆ¼Å÷¸ / Diluted 5.38 3.45

Ÿ¸í÷¨¸œ¸»µ¸Ä ¥¸½‰¸¸ ›¸ú¢÷¸¡¸¸¿ ÷¸˜¸¸ ¥¸½‰¸¸ ¢’œœ¸¢µ¸¡¸¸¿ 17 & 18

Significant Accounting Policies and Notes to Accounts

„œ¸¡¸ºÄÆ÷¸ ¬¸¿™¢ž¸Ä÷¸ ‚›¸º¬¸»¢¸¡¸¸¿ ÷¸º¥¸›¸œ¸°¸ ˆ½Å ‚¢ž¸››¸ ž¸¸Š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê íÿ
The Schedules referred to above form an integral part of the Balance
Sheet

¤¸¸½”Ä ˆ½Å ‚¸™½©¸ ¬¸½ / BY ORDER OF THE BOARD

(£¸ˆ½Å©¸ ©¸Ÿ¸¸Ä) (¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾) (¬¸Ÿ¸£½©¸ œ¸¢£™¸) (¦¬Ÿ¸÷¸¸ ˆºÅ¤¸½£) (¡¸¸½¢÷¸ ›¸¸¡¸£)
(Rakesh Sharma) (Jayakumar S. Pillai) (Samaresh Parida) (Smita Kuber) (Jyothi Nair)
œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ Ÿ¸º‰¡¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ‚¢š¸ˆÅ¸£ú „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ¢›¸™½©¸ˆÅ Ÿ¸º‰¡¸ ¢¨¸î¸ú¡¸ ‚¢š¸ˆÅ¸£ú ˆ¿Åœ¸›¸ú ¬¸¢¸¨¸
Managing Director & Chief Executive Officer Dy. Managing Director Director Chief Financial Officer Company Secretary
”ú‚¸ƒÄ‡›¸/DIN: 06846594 ”ú‚¸ƒÄ‡›¸/DIN: 10041362 ”ú‚¸ƒÄ‡›¸/DIN: 01853823
ퟸ¸£ú ¬¸Ÿ¸-¢™›¸¸¿¢ˆÅ÷¸ ¢£œ¸¸½’Ä ˆ½Å ‚›¸º¬¸¸£
As per our report of even date
ˆ¼Å÷¸½ ¨¸Ÿ¸¸Ä ‡¿” ¨¸Ÿ¸¸Ä ˆ¼Å÷¸½ ¸ú ”ú ‚¸œ’½ ‡¿” ˆ¿Åœ¸›¸ú
For Varma & Varma For G D Apte & Co
¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants
ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸/FRN - 004532S ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸/FRN-100515W

ˆ½Å œ¸ú ªú¢›¸¨¸¸¬¸ ¬¸¸¾£ž¸ œ¸½©¸¨¸½

K P Srinivas Saurabh Peshwe
¬¸¸¸½™¸£/Partner ¬¸¸¸½™¸£/Partner
¬¸. ¬¸¿. 208520/M. No. 208520 ¬¸. ¬¸¿. 121546/M.No. 121546
¬˜¸¸›¸ À Ÿ¸º¿¤¸ƒÄ / Place: Mumbai
¢™›¸¸¿ˆÅ À 04 Ÿ¸ƒÄ 2024 / Date : May 04, 2024

458 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements
‚›¸º¬¸»¸ú 1 - œ¸»¿¸ú / SCHEDULE 1 - CAPITAL
(` ‘000 Ÿ¸½¿ / ` in ‘000)
¢¨¸¨¸£µ¸ / Particulars ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
As at As at
March 31, 2024 March 31, 2023
œÏ¸¢š¸ˆ¼Å÷¸ œ¸»¿¸ú / Authorised capital
` 10 œÏ÷¡¸½ˆÅ ˆ½Å 2100 00 00 000 ƒ¦Æ¨¸’ú ©¸½¡¸£ 21000 00 00 21000 00 00
2100 00 00 000 Equity Shares of ` 10 each
21000 00 00 21000 00 00
¢›¸Š¸Ä¢Ÿ¸÷¸, ‚¢ž¸™î¸ ‚¸¾£ ¸ºˆÅ÷¸¸ œ¸»¿¸ú / Issued, Subscribed & Paid up Capital
œÏ÷¡¸½ˆÅ ` 10 ˆ½Å 1075 24 02 175 (1075 24 02 175) œ¸»µ¸Ä÷¸À ¸ºˆÅ÷¸¸ ƒ¦Æ¨¸’ú ©¸½¡¸£ 10752 40 22 10752 40 22
1075 24 02 175 (1075 24 02 175) Equity Shares of `10 each fully paid up
(‚›¸º¬¸»¸ú 18 ¢’œœ¸µ¸ú 14 (I) ™½‰¸½¿ ) / (Refer Schedule 18 Note 14 (I) )
ˆºÅ¥¸ / TOTAL 10752 40 22 10752 40 22

‚›¸º¬¸»¸ú 2 - ¢£{¸¨¸Ä ‚¸¾£ ‚¢š¸©¸½«¸ / SCHEDULE 2 - RESERVES AND SURPLUS

(` ‘000 Ÿ¸½¿ / ` in ‘000)
¢¨¸¨¸£µ¸ / Particulars ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
As at As at
March 31, 2024 March 31, 2023
I ¬¸¸¿¢¨¸¢š¸ˆÅ ¢£{¸¨¸Ä / Statutory Reserve
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening balance 4335 70 43 3424 43 06
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Additions during the year 1408 52 35 911 27 37
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿ / Deductions during the year - -
5744 22 78 4335 70 43
II ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ’︿¬¸¥¸½©¸›¸ ¢£¸¨¸Ä/ Foreign Currency Translation Reserves
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening balance 13 68 77 2 28 16
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Additions during the year 4 53 11 11 40 61
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿ / Deductions during the year - -
18 21 88 13 68 77
III œ¸»¿¸ú ¢£{¸¨¸Ä / Capital Reserve
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening balance 3186 70 21 3168 48 34
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Additions during the year 41 33 02 18 21 87
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿ / Deductions during the year - -
3228 03 23 3186 70 21
IV ¬¸Ÿ¸½ˆÅ›¸ œ¸£ œ¸»¿¸ú ¢£{¸¨¸Ä / Capital Reserve on Consolidation
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening balance 345 51 27 315 44 19
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Additions during the year 36 41 25 30 07 08
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿ / Deductions during the year - -
381 92 52 345 51 27
V œ¸º›¸Ÿ¸»Ä¥¡¸›¸ ¢£{¸¨¸Ä / Revaluation Reserve
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening balance 8200 97 55 8467 76 35
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Additions during the year - -
¬¸¸Ÿ¸¸›¡¸ ¢£{¸¨¸Ä Ÿ¸Ê ‚¿÷¸£µ¸ / Transfer to General Reserve 267 52 19 266 78 80
7933 45 36 8200 97 55
VI ©¸½¡¸£ œÏú¢Ÿ¸¡¸Ÿ¸ / Share Premium
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening balance 5323 52 07 50719 70 43
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Additions during the year - -
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿# / Deductions during the year# - 45396 18 36
5323 52 07 5323 52 07

dm{f©H$ [anmoQ>© Annual Report 2023-24 459

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements
(` ‘000 Ÿ¸½¿ / ` in ‘000)
¢¨¸¨¸£µ¸ / Particulars ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
As at As at
March 31, 2024 March 31, 2023
VII £¸¸¬¨¸ ‚¸¾£ ‚›¡¸ ¢£{¸¨¸Ä / Revenue and other Reserve
(ˆÅ) ¬¸¸Ÿ¸¸›¡¸ ¢£{¸¨¸Ä
(a) General Reserve
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening balance 7269 47 01 7000 03 61
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ (¬¸Ÿ¸½¢ˆÅ÷¸ ¬¸Ÿ¸¸¡¸¸½¸›¸¸½¿ ˆÅ¸½ Ž¸½”õˆÅ£)
Additions during the year (Net of Consolidation Adjustments) 3 13 81 2 64 59
œ¸º›¸Ÿ¸»Ä¥¡¸›¸ ¢£{¸¨¸Ä ¬¸½ ‚¿÷¸¢£÷¸
Transferred from Revaluation Reserve 267 52 19 266 78 80
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿ / Deductions during the year - -
7540 13 01 7269 47 01
(‰ö¸) ‚¸¡¸ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸, 1961 ˆÅú š¸¸£¸ 36(1)(viii) ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢¨¸©¸½«¸ ¢£{¸¨¸Ä
(b) Special Reserve under Section 36(1)(viii) of the Income Tax Act, 1961
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening balance 6 35 04 6 35 04
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Additions during the year - -
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿ / Deductions during the year - -
6 35 04 6 35 04
(Š¸) ‚¸¡¸ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸, 1961 ˆÅú š¸¸£¸ 36(1)(viii) ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¬¸¼¢¸÷¸ ‡¨¸¿ ‚›¸º£¢®¸÷¸ ¢¨¸©¸½«¸
¢£{¸¨¸Ä
(c) Special Reserve created & maintained under Section 36(1)(viii) of the
Income Tax Act, 1961
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening balance 1566 00 00 1566 00 00
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Additions during the year - -
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿ / Deductions during the year - -
1566 00 00 1566 00 00
(‹¸) ¢›¸¨¸½©¸ „÷¸¸£-¸õ¸¨¸ ¢£{¸¨¸Ä
(d) Investment Fluctuation Reserves
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening balance 740 99 62 544 61 04
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Additions during the year 151 99 55 196 38 58
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿ / Deductions during the year - -
892 99 17 740 99 62
VIII ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ©¸½«¸ £¸¢©¸# / Balance in Profit and Loss account# 7685 80 63 4577 92 21
ˆºÅ¥¸ (I ¬¸½ VIII) / TOTAL (I to VIII) 40320 65 69 35566 84 18
¢’œœ¸µ¸úÀ # 31 Ÿ¸¸¸Ä 2021 ˆÅ¸½ ‚¸Š¸½ ¥¸¸ƒÄ Š¸ƒÄ í¸¢›¸¡¸¸½¿ ˆÅ¸ ©¸½¡¸£ œÏú¢Ÿ¸¡¸Ÿ¸ ¬¸½ ¬¸Ÿ¸¿¸›¸
Note: # brought forward losses as on March 31, 2021 set off against Share premium

‚›¸º¬¸»¸ú 2 ‚ - ‚¥œ¸¬¸¿‰¡¸ˆÅ ¢í÷¸ / SCHEDULE 2A - MINORITY INTEREST

(` ‘000 Ÿ¸½¿ / ` in ‘000)

¢¨¸¨¸£µ¸ / Particulars ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
As at As at
March 31, 2024 March 31, 2023
Ÿ¸»¥¸-¬¸í¸¡¸ˆÅ ¬¸¿¤¸¿š¸ ‚¦¬÷¸÷¨¸ Ÿ¸Ê ‚¸›¸½ ˆÅú ¢÷¸¢˜¸ ˆÅ¸½ ‚¥œ¸¬¸¿‰¡¸ˆÅ ¢í÷¸
Minority interest at the date on which the parent-subsidiary relationship came into 29 84 39 29 84 39
existence

¤¸¸™ Ÿ¸Ê ¨¸¼¢Ö/(ˆÅŸ¸ú) / Subsequent increase/(decrease) 123 01 35 108 63 94

÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ‚¥œ¸¬¸¿‰¡¸ˆÅ ¢í÷¸ / Minority interest on the date of balance sheet 152 85 74 138 48 33

460 Friendship That

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‚›¸º¬¸»¸ú 3 - ¸Ÿ¸¸£¸¢©¸¡¸¸¿ / SCHEDULE 3 - DEPOSITS
(` ‘000 Ÿ¸½¿ / ` in ‘000)

¢¨¸¨¸£µ¸ / Particulars ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
As at As at
March 31, 2024 March 31, 2023
‚. / A.
I. Ÿ¸¸¿Š¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ / Demand Deposits
(i) ¤¸ÿˆÅ¸½¿ ¬¸½ / From banks 11774 13 82 11562 67 90

(ii) ‚›¡¸ ¬¸½ / From others 37081 62 39 37337 42 10

ˆºÅ¥¸ (i ÷¸˜¸¸ ii) / TOTAL (i and ii) 48855 76 21 48900 10 00

II. ¤¸¸÷¸ ¤¸ÿˆÅ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ / Savings Bank Deposits 91013 24 14 86498 80 42
III. ¬¸¸¨¸¢š¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ / Term Deposits
(i) ¤¸ÿˆÅ¸½¿ ¬¸½ / From banks 7619 31 63 8232 23 14

(ii) ‚›¡¸ ¬¸½ / From others 129877 19 51 111682 12 95

ˆºÅ¥¸ (i ÷¸˜¸¸ ii) / TOTAL (i and ii) 137496 51 14 119914 36 09

ˆºÅ¥¸ (I ¬¸½ III) / TOTAL ( I to III ) 277365 51 49 255313 26 51

‚¸. / B.
(i) ž¸¸£÷¸ Ÿ¸Ê ¦¬˜¸÷¸ ©¸¸‰¸¸‚¸Ê ˆÅú ¸Ÿ¸¸£¸¢©¸¡¸¸¿ / Deposits of branches in India 277363 72 41 255310 99 97

(ii) ž¸¸£÷¸ ˆ½Å ¤¸¸í£ ¦¬˜¸÷¸ ©¸¸‰¸¸‚¸Ê ˆÅú ¸Ÿ¸¸£¸¢©¸¡¸¸¿

Deposits of branches outside India 1 79 08 2 26 54
ˆºÅ¥¸ (i ÷¸˜¸¸ ii) / TOTAL (i and ii) 277365 51 49 255313 26 51

‚›¸º¬¸»¸ú 4 - „š¸¸£ £¸¢©¸¡¸¸¿ / SCHEDULE 4 - BORROWINGS

(` ‘000 Ÿ¸½¿ / ` in ‘000)

¢¨¸¨¸£µ¸ / Particulars ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
As at As at
March 31, 2024 March 31, 2023
I. ž¸¸£÷¸ Ÿ¸Ê „š¸¸£ £¸¢©¸¡¸¸¿ / Borrowings in India
(i) ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ / Reserve Bank of India 2400 00 00 2400 00 00

(ii) ‚›¡¸ ¤¸ÿˆÅ / Other banks 376 30 00 578 20 00

(iii) ¢’¡¸£ 1 (›¸¨¸¸½›Ÿ¸½«¸ú ¤¸½Ÿ¸ú¡¸¸™ú †µ¸ ¢¥¸‰¸÷¸)

Tier l (Innovative Perpetual Debt Instrument) - -
(iv) ‚œ¸£ ¢’¡¸£ II ¤¸¸Áµ” / Upper Tier ll bonds - -

(v) ‚œÏ¢÷¸ž¸»÷¸, œÏ¢÷¸™½¡¸ ¤¸¸Áµ” (¢’¡¸£ II œ¸»¿¸ú ˆ½Å ¢¥¸‡ Š¸¸¾µ¸)

Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 302 00 00 302 00 00
(vi) ¤¸¸¬¸½¥¸ III ‚¸½Ÿ›¸ú ’ú¡¸£ 2 ¤¸¸Áµ” / Basel III Omni Tier 2 Bond 2645 00 00 2645 00 00

(vii) ‚›¡¸* / Others* 9920 01 23 6153 79 41

ˆºÅ¥¸ (I)/ TOTAL ( I ) 15643 31 23 12078 99 41

II. ž¸¸£÷¸ ˆ½Å ¤¸¸í£ ¬¸½ „š¸¸£ £¸¢©¸¡¸¸¿ / Borrowings outside India 1439 38 35 558 75 60

ˆºÅ¥¸ (I ÷¸˜¸¸ II) / TOTAL ( I and II ) 17082 69 58 12637 75 01

¢’œœ¸µ¸úÀ „œ¸¡¸ºÄÆ÷¸ I ÷¸˜¸¸ II Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ œÏ¢÷¸ž¸»÷¸ „š¸¸£ £¸¢©¸¡¸¸¿ - ` 7315 01 23 폸¸£ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 3548 79 41 폸¸£)
Note: Secured borrowings included in I and II above ` 7315 01 23 Thousand (Previous Year ` 3548 79 41 Thousand)

dm{f©H$ [anmoQ>© Annual Report 2023-24 461

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements
‚›¸º¬¸»¸ú 5 - ‚›¡¸ ™½¡¸÷¸¸‡¿ ‚¸¾£ œÏ¸¨¸š¸¸›¸ / SCHEDULE 5 - OTHER LIABILITIES AND PROVISIONS
(` ‘000 Ÿ¸½¿ / ` in ‘000)

¢¨¸¨¸£µ¸ / Particulars ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
As at As at
March 31, 2024 March 31, 2023
I. ™½¡¸ ¢¤¸¥¸ / Bills Payable 2634 82 96 2348 92 67
II. ‚¿÷¸£ ˆÅ¸¡¸¸Ä¥¸¡¸ ¬¸Ÿ¸¸¡¸¸½¸›¸ (¢›¸¨¸¥¸) / Inter office adjustments (net) - -

III. „œ¸¢¸÷¸ ¤¡¸¸¸ / Interest accrued 747 35 75 506 73 55

IV. ‚›¡¸ (œÏ¸¨¸š¸¸›¸ ¬¸¢í÷¸) / Others (Including Provision)
(ˆÅ) Ÿ¸¸›¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å œÏ¢÷¸ ¢¨¸¨¸½ˆÅœ¸»µ¸Ä œÏ¸¨¸š¸¸›¸
(a) Prudential provisions against standard assets 4816 55 64 4977 20 49
(‰¸) œÏ¸œ÷¸ ‚¢ŠÏŸ¸ ž¸ºŠ¸÷¸¸›¸
(b) Advance payments received 726 01 05 547 09 99
(Š¸) ™½¡¸ ¥¸¸ž¸¸¿©¸ ÷¸˜¸¸ ¥¸¸ž¸¸¿©¸ ˆÅ£
(c) Dividend and dividend tax payable - -
(‹¸) ¢¨¸¢¨¸š¸ ¥¸½›¸™¸£
(d) Sundry Creditors 128 95 79 123 56 72
(Œ) ™½¡¸ ¬¸½¨¸¸ ˆÅ£/’ú”ú‡¬¸/‚›¡¸ ˆÅ£
(e) Service tax/TDS/Other taxes payable 237 50 59 183 02 59
(¸) ¢¨¸¢¨¸š¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿
(f) Sundry Deposits 15 48 06 15 29 75
(Ž) ‚›¡¸ œÏ¸¨¸š¸¸›¸
(g) Other provisions 6030 47 62 5084 47 11
(ö¸) ¢¨¸¢¨¸š¸
(h) Miscellaneous 3260 19 98 3302 63 58
ˆºÅ¥¸ (I ¬¸½ IV) / TOTAL ( I to IV ) 18597 37 44 17088 96 45

‚›¸º¬¸»¸ú 6 - ›¸ˆÅ™ú ‚¸¾£ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ©¸½«¸

SCHEDULE 6 - CASH AND BALANCES WITH RESERVE BANK OF INDIA
(` ‘000 Ÿ¸½¿ / ` in ‘000)

¢¨¸¨¸£µ¸ / Particulars ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
As at As at
March 31, 2024 March 31, 2023
I. í¸˜¸ Ÿ¸Ê ›¸ˆÅ™ú (¢¨¸™½©¸ú Ÿ¸ºÍ¸ ›¸¸½’¸½¿ ¬¸¢í÷¸)
Cash in hand ( including foreign currency notes) 1772 62 42 2488 75 54
II. ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ©¸½«¸ / Balances with Reserve Bank of India
(i) ¸¸¥¸» ‰¸¸÷¸¸Ê Ÿ¸Ê / in Current Accounts 11898 37 50 10970 52 56

(ii) ‚›¡¸ ‰¸¸÷¸¸Ê Ÿ¸Ê / in Other Accounts 320 00 00 3180 00 00

ˆºÅ¥¸ (I ÷¸˜¸¸ II) / TOTAL ( I and II ) 13990 99 92 16639 28 10

462 Friendship That

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‚›¸º¬¸»¸ú 7 - ¤¸ÿˆÅ¸Ê ˆ½Å œ¸¸¬¸ ©¸½«¸ ÷¸˜¸¸ Ÿ¸¸¿Š¸ ‡¨¸¿ ‚¥œ¸ ¬¸»¸›¸¸ œ¸£ œÏ¢÷¸™½¡¸ £¸¢©¸
SCHEDULE 7 - BALANCES WITH BANKS AND MONEY AT CALL AND SHORT NOTICE
(` ‘000 Ÿ¸½¿ / ` in ‘000)

¢¨¸¨¸£µ¸ / Particulars ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
As at As at
March 31, 2024 March 31, 2023
I ž¸¸£÷¸ Ÿ¸Ê / In India
(i) ¤¸ÿˆÅ¸Ê ˆ½Å œ¸¸¬¸ ©¸½«¸ / Balance with banks
(ˆÅ) ¸¸¥¸» ‰¸¸÷¸¸Ê Ÿ¸Ê
(a) in Current Accounts 70 51 28 233 92 35
(‰¸) ‚›¡¸ ¸Ÿ¸¸ ‰¸¸÷¸¸Ê Ÿ¸Ê
(b) in Other Deposit Accounts 3693 12 73 10620 93 16
(ii) Ÿ¸¸¿Š¸ ‡¨¸¿ ‚¥œ¸ ¬¸»¸›¸¸ œ¸£ œÏ¢÷¸™½¡¸ £¸¢©¸ / Money at call and short notice
(ˆÅ) ¤¸ÿˆÅ¸Ê ˆ½Å œ¸¸¬¸
(a) with banks 7919 93 88 986 04 00
(‰¸) ‚›¡¸ ¬¸¿¬˜¸¸‚¸Ê ˆ½Å œ¸¸¬¸
(b) with other Institutions - -
ˆºÅ¥¸ (i ÷¸˜¸¸ ii) / TOTAL ( i and ii ) 11683 57 89 11840 89 51
II ž¸¸£÷¸ ¬¸½ ¤¸¸í£ / Outside India
(i) ¸¸¥¸» ‰¸¸÷¸¸Ê Ÿ¸Ê / in Current Accounts 234 05 31 152 07 44

(ii) ‚›¡¸ ¸Ÿ¸¸ ‰¸¸÷¸¸Ê Ÿ¸Ê / in Other Deposit Accounts 41 70 25 553 58 75

(iii) Ÿ¸¸¿Š¸ ‡¨¸¿ ‚¥œ¸ ¬¸»¸›¸¸ œ¸£ œÏ¢÷¸™½¡¸ £¸¢©¸ / Money at call and short notice 59 14 25 61 09 34

ˆºÅ¥¸ (i, ii ÷¸˜¸¸ iii) / Total (i, ii and iii) 334 89 81 766 75 53

ˆºÅ¥¸ (I ÷¸˜¸¸ II) / TOTAL ( I and II ) 12018 47 70 12607 65 04

dm{f©H$ [anmoQ>© Annual Report 2023-24 463

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements
‚›¸º¬¸»¸ú 8 - ¢›¸¨¸½©¸ / SCHEDULE 8 - INVESTMENTS
(` ‘000 Ÿ¸½¿ / ` in ‘000)

¢¨¸¨¸£µ¸ / Particulars ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
As at As at
March 31, 2024 March 31, 2023
I ž¸¸£÷¸ Ÿ¸Ê ¢›¸Ÿ›¸ Ÿ¸Ê ¢›¸¨¸½©¸ / Investments in India in
(i) ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸¿@ / Government Securities@ 98380 55 58 86036 39 25

(ii) ‚›¡¸ ‚›¸ºŸ¸¸½¢™÷¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ / Other approved securities - -

(iii) ©¸½¡¸£ / Shares 404 27 97 330 43 84

(iv) ¢”¤¸Ê¸£ ‚¸¾£ ¤¸¸Áµ” / Debentures and Bonds 5882 40 94 6203 44 41

(v) ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‡¿/Associates 712 93 56 625 83 35

(vi) ‚›¡¸ (¨¸¸¢µ¸¦¡¸ˆÅ œ¸°¸, Ÿ¡¸»¸º‚¥¸ û¿Å”¸Ê ˆ½Å ¡¸»¢›¸’, ‡¬¸‚¸£, œ¸ú’ú¬¸ú,¨¸ú¬¸ú‡ûöÅ, ¬¸ú”ú)
Others (CPs, Units in MFs, SRs,PTCs,VCFs, CDs) 9923 52 09 6992 02 11
ˆºÅ¥¸ (i ¬¸½ vi) / TOTAL (i to vi ) 115303 70 14 100188 12 96
II ž¸¸£÷¸ ¬¸½ ¤¸¸í£ ¢›¸Ÿ›¸ Ÿ¸Ê ¢›¸¨¸½©¸ / Investments outside India in
(i) ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ (¬˜¸¸›¸ú¡¸ œÏ¸¢š¸ˆÅ£µ¸¸Ê ¬¸¢í÷¸)
Government Securities (including local authorities) 414 89 39 220 54 76
(ii) ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‡¿/Associates - -

(iii) ‚›¡¸ ¢›¸¨¸½©¸ / Other investments - -

ˆºÅ¥¸ (i ¬¸½ iii) / TOTAL (i to iii ) 414 89 39 220 54 76

ˆºÅ¥¸ ¡¸¸½Š¸ (I ÷¸˜¸¸ II)/ Grand Total (I and II) 115718 59 53 100408 67 72

III ž¸¸£÷¸ Ÿ¸Ê ¢›¸¨¸½©¸ / Investments in India

¢›¸¨¸½©¸¸Ê ˆÅ¸ ¬¸ˆÅ¥¸ Ÿ¸»¥¡¸ / Gross value of investments 120637 96 22 105351 08 08

‹¸’¸‡¿À ˆºÅ¥¸ œÏ¸¨¸š¸¸›¸ / Ÿ¸»¥¡¸Ý¸¬¸ / Less: Aggregate provision / depreciation 5334 26 08 5162 95 12

¢›¸¨¸¥¸ ¢›¸¨¸½©¸ / Net investments 115303 70 14 100188 12 96

IV ž¸¸£÷¸ ¬¸½ ¤¸¸í£ ¢›¸¨¸½©¸ / Investments Outside India

¢›¸¨¸½©¸¸Ê ˆÅ¸ ¬¸ˆÅ¥¸ Ÿ¸»¥¡¸ / Gross value of investments 414 89 39 220 54 76

‹¸’¸‡¿À ˆºÅ¥¸ œÏ¸¨¸š¸¸›¸ / Ÿ¸»¥¡¸Ý¸¬¸ / Less: Aggregate provision / depreciation - -

¢›¸¨¸¥¸ ¢›¸¨¸½©¸ / Net investments 414 89 39 220 54 76

@
ƒ¬¸Ÿ¸Ê Š¸¾£-‡¬¸‡¥¸‚¸£ ‡¸’ú‡Ÿ¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ` 12438 00 00 폸¸£ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 12438 00 00 폸¸£) ˆÅú ž¸¸£÷¸ ¬¸£ˆÅ¸£ ˆÅú ¢¨¸©¸½«¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿
©¸¸¢Ÿ¸¥¸ íÿ.
@
Includes Special GOI Securities of ` 12438 00 00 Thousand (Previous Year ` 12438 00 00 Thousand) classified as Non-SLR-HTM Securities.

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‚›¸º¬¸»¸ú 9 - ‚¢ŠÏŸ¸ / SCHEDULE 9 - ADVANCES
(` ‘000 Ÿ¸½¿ / ` in ‘000)

¢¨¸¨¸£µ¸ / Particulars ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
As at As at
March 31, 2024 March 31, 2023

‚/A
(i) ‰¸£ú™½ ‚¸¾£ ž¸º›¸¸‡/ œ¸º›¸ž¸ºÄ›¸¸‡ Š¸‡ ¢¤¸¥¸
Bills purchased and discounted/ rediscounted 8898 33 96 6327 23 02
(ii) ›¸ˆÅ™ †µ¸, ‚¸½¨¸£”ï¸É’ ÷¸˜¸¸ Ÿ¸¸¿Š¸ œ¸£ œÏ¢÷¸™½¡¸ †µ¸
Cash credits, overdrafts and loans repayable on demand 38128 90 22 38185 69 18
(iii) Ÿ¸ú¡¸¸™ú †µ¸ @
/ Term loans @ 141548 37 51 118032 92 69

ˆºÅ¥¸ (i, ii ÷¸˜¸¸ iii) / TOTAL (i, ii and iii) 188575 61 69 162545 84 89

‚¸ / B
(i) Ÿ¸»÷¸Ä ‚¸¦¬÷¸¡¸¸Ê ׸£¸ œÏ¢÷¸ž¸»÷¸@@ / Secured by tangible assets@@ 15576 09 13 139268 80 66
(ii) ¤¸ÿˆÅ / ¬¸£ˆÅ¸£ú Š¸¸£¿¢’¡¸¸Ê ׸£¸ £¢®¸÷¸@@@
Covered by Bank / Government Guarantees@@@ 8706 23 27 7265 58 52
(iii) ‚œÏ¢÷¸ž¸»÷¸ / Unsecured 24293 29 29 16011 45 71

ˆºÅ¥¸ (i, ii ÷¸˜¸¸ iii)/ TOTAL (i, ii and iii) 188575 61 69 162545 84 89

ƒ/C
I ž¸¸£÷¸ Ÿ¸Ê ‚¢ŠÏŸ¸ / Advances in India
(i) œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ œÏ¸œ÷¸ ®¸½°¸ / Priority sector 63537 23 65 56344 33 19
(ii) ¬¸£ˆÅ¸£ú ®¸½°¸ / Public sector 6190 70 06 34 09 86
(iii) ¤¸ÿˆÅ / Banks 1307 34 82 5 35 56
(iv) ‚›¡¸ / Others 108035 98 08 100968 82 80

ˆºÅ¥¸ (i, ii, iii ÷¸˜¸¸ iv) / TOTAL (i, ii ,iii & iv) 179071 26 61 157352 61 41

II ž¸¸£÷¸ ¬¸½ ¤¸¸í£ ‚¢ŠÏŸ¸ / Advances Outside India

(i) ¤¸ÿˆÅ¸Ê ¬¸½ œÏ¸œ¡¸ / Due from banks - -
(ii) ‚›¡¸ ¬¸½ œÏ¸œ¡¸ / Due from others: - -

(ˆÅ) ‰¸£ú™½ ÷¸˜¸¸ ž¸º›¸¸‡ Š¸‡ ¢¤¸¥¸

(a) Bills purchased and discounted - -
(‰¸) ¬¸Ÿ¸»¢í÷¸ †µ¸
(b) Syndicated loans - -
(Š¸) ‚›¡¸
(c) Others 9504 35 08 5193 23 48

ˆºÅ¥¸ (i ‚¸¾£ ii)/TOTAL (i and ii) 9504 35 08 5193 23 48

ˆºÅ¥¸ ¡¸¸½Š¸ ( ƒ.I. ÷¸˜¸¸ ƒ.II.)/ GRAND TOTAL ( C.I. and C.II. ) 188575 61 69 162545 84 89

@
`6000 00 00 폸¸£ (¢œ¸Ž¥¸½ ¨¸«¸Ä À ©¸»›¡¸) ˆ½Å (¢›¸¨¸¥¸) ‚¿÷¸£ ¤¸ÿˆÅ ¬¸íž¸¸¢Š¸÷¸¸ œÏŸ¸¸µ¸œ¸°¸ ©¸¸¢Ÿ¸¥¸ íÿ.
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Includes Inter Bank Participatory Certificate (Net) 6000 00 00 Thousand (Previous Year: Nil )
@@
¤¸íú †µ¸¸Ê œ¸£ ‚¢ŠÏŸ¸ ©¸¸¢Ÿ¸¥¸ íÿ
@@
Includes advances against book debts
@@@
¤¸ÿˆÅ¸Ê ׸£¸ ¸¸£ú ¬¸¸‰¸-œ¸°¸¸Ê œ¸£ ‚¢ŠÏŸ¸ ©¸¸¢Ÿ¸¥¸ íÿ
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Includes advances against letter of credit issued by banks.

dm{f©H$ [anmoQ>© Annual Report 2023-24 465

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements
‚›¸º¬¸»¸ú 10 - ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸¿ / SCHEDULE 10 - FIXED ASSETS
(` ‘000 Ÿ¸½¿ / ` in ‘000)

¢¨¸¨¸£µ¸ / Particulars ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
As at As at
March 31, 2024 March 31, 2023
I œ¸¢£¬¸£ (‚›¸º¬¸»¸ú 18 ¢’œœ¸µ¸ú (2) ™½‰¸Ê)
Premises (Refer Schedule 18 Note (2))
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening Balance 8973 76 52 8964 90 34

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Addition during the year 336 12 82 8 86 18

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ œ¸º›¸Ÿ¸»Ä¥¡¸›¸

Revaluation made during the year - 0
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿ / Deductions during the year 10 10 0

÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ÷¸ˆÅ Ÿ¸»¥¡¸Ý¸¬¸ / Depreciation to date 600 71 96 286 56 19

ˆºÅ¥¸/ TOTAL 8709 07 28 8687 20 33

II ‚›¡¸ ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸¿ (ûÅ›¸úč¸£ ‡¨¸¿ ¢ûÅƬ¸£ ¬¸¢í÷¸)
Other fixed assets (including Furniture & Fixtures)
œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ (¥¸¸Š¸÷¸ œ¸£) / Opening Balance (At Cost) 2600 69 03 2432 50 37

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Addition during the year 376 90 23 242 78 76

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿ / Deductions during the year 68 49 48 74 60 10

÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ÷¸ˆÅ Ÿ¸»¥¡¸Ý¸¬¸ / Depreciation to date 2183 50 06 1984 88 42

ˆºÅ¥¸/ TOTAL 725 59 72 615 80 61

III œ¸’Ã’¸ˆ¼Å÷¸ ‚¸¦¬÷¸/Leased Asset

œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ (¥¸¸Š¸÷¸ œ¸£) / Opening Balance (At Cost) 601 81 79 601 81 79

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / Addition during the year - -

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅ’¸¾¢÷¸¡¸¸¿ / Deductions during the year - -

÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ÷¸ˆÅ Ÿ¸»¥¡¸Ý¸¬¸ / Depreciation to date 600 05 27 600 05 27

‚›¸¸ÄˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ / Provision for Non Performing assets 1 76 52 1 76 52

ˆºÅ¥¸/ TOTAL - -
IV ¸¸¥¸» œ¸»¿¸úŠ¸÷¸ ˆÅ¸¡¸Ä / Capital Work-in-Progress 107 62 77 477 39 52

ˆºÅ¥¸ ¡¸¸½Š¸ (I ¬¸½ IV))/ GRAND TOTAL (I to IV) 9542 29 77 9780 40 46

466 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements
‚›¸º¬¸»¸ú 11 - ‚›¡¸ ‚¸¦¬÷¸¡¸¸¿ / SCHEDULE 11 - OTHER ASSETS
(` ‘000 Ÿ¸½¿ / ` in ‘000)

¢¨¸¨¸£µ¸ / Particulars ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
As at As at
March 31, 2024 March 31, 2023
I ‚¿÷¸£ ˆÅ¸¡¸¸Ä¥¸¡¸ ¬¸Ÿ¸¸¡¸¸½¸›¸ (¢›¸¨¸¥¸) / Inter office adjustments (net) - -

II „œ¸¢¸÷¸ ¤¡¸¸¸ / Interest accrued 3068 70 43 2832 42 81

III ‚¢ŠÏŸ¸ ˆÅ£ ž¸ºŠ¸÷¸¸›¸/踸½÷¸ œ¸£ ˆÅ£ ˆÅú ˆÅ’¸¾÷¸ú (¢›¸¨¸¥¸)

Tax paid in advance /tax deducted at source (net) 2846 88 12 2556 30 75
IV ¥¸½‰¸›¸ ¬¸¸Ÿ¸ŠÏú ‚¸¾£ ¬’¸¿œ¸ / Stationery and stamps 1 18 05 15 79

V ™¸¨¸¸Ê ˆÅú ÷¸º¦«’ Ÿ¸Ê ‚¢¸Ä÷¸ Š¸¾£-¤¸ÿ¢ˆ¿ÅŠ¸ ‚¸¦¬÷¸¡¸¸¿ (¥¸¸Š¸÷¸ œ¸£)

Non Banking Assets acquired in satisfaction of claims (at cost) 736 90 93 736 90 93
VI ‚›¡¸ / Others
(ˆÅ/a) ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ (¢›¸¨¸¥¸) / Deferred Tax Asset (net) 8965 05 12 11527 03 00

(‰¸/b) ‚¸¤¸¿’›¸ ˆ½Å ¢¥¸‡ ¥¸¿¢¤¸÷¸ ©¸½¡¸£/¤¸¸Áµ”/ Shares / Bonds Pending allotment - 11 51 37

(Š¸/c) ¢¨¸¢¨¸š¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ ¨¸ ‚¢ŠÏŸ¸ / Sundry deposit and advances 743 07 56 646 31 92

(‹¸/d) œÏ¸œ¡¸ ™¸¨¸½ / Claims receivable 212 63 63 215 07 08

(Œ/e) ™¤¸¸¨¸ŠÏ¬÷¸ ‚¸¦¬÷¸ ¦¬˜¸£úˆÅ£µ¸ ¢›¸¢š¸ (‡¬¸‡‡¬¸‡ûÅ) Ÿ¸½¿ ‚¿÷¸¢£÷¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¨¡¸¡¸/ ¬¸¿¢¨¸÷¸£µ¸
Expenses / Disbursements in respect of cases transferred to Stressed Assets
Stabilization Fund (SASF) - -
(¸/f) ¢¨¸¢¨¸š¸ / Miscellaneous
@ @ 7851 07 71 10990 10 84

ˆºÅ¥¸ (I ¬¸½ VI) / TOTAL ( I to VI ) 24425 51 55 29515 84 49

@
œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ œÏ¸œ÷¸ ®¸½°¸ Ÿ¸Ê ¸Ÿ¸¸ `5916 86 69 폸¸£ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 8353 02 02 폸¸£) ˆÅ¸ ¢›¸¨¸½©¸ ©¸¸¢Ÿ¸¥¸ í¾.
@
Includes Investment in Priority sector deposit ` 5916 86 69 Thousand (Previous Year ` 8353 02 02 Thousand)

dm{f©H$ [anmoQ>© Annual Report 2023-24 467

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements
‚›¸º¬¸»¸ú 12 - ‚¸ˆÅ¢¬Ÿ¸ˆÅ ™½¡¸÷¸¸‡¿ / SCHEDULE 12 - CONTINGENT LIABILITIES
(` ‘000 Ÿ¸½¿ / ` in ‘000)

¢¨¸¨¸£µ¸ / Particulars ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
As at As at
March 31, 2024 March 31, 2023
I ¤¸ÿˆÅ ˆ½Å ¢¨¸²Ö ™¸¨¸½ ¢¸›íÊ †µ¸ ›¸íú¿ Ÿ¸¸›¸¸ Š¸¡¸¸
Claims against the bank not acknowledged as debts 246 01 77 136 89 88
II ‚¸¿¢©¸ˆÅ ³Åœ¸ ¬¸½ œÏ™î¸ ¢›¸¨¸½©¸¸Ê ˆ½Å ¢¥¸‡ ™½¡¸÷¸¸
Liability for partly paid investments 74 83 74 83
III ¤¸ˆÅ¸¡¸¸ ¨¸¸¡¸™¸ ¢¨¸¢›¸Ÿ¸¡¸ ¬¸¿¢¨¸™¸‚¸Ê ˆ½Å ˆÅ¸£µ¸ ™½¡¸÷¸¸
Liability on account of outstanding forward exchange contracts 70750 33 56 106053 17 96
IV ŠÏ¸íˆÅ¸Ê ˆÅú ‚¸½£ ¬¸½ ™ú Š¸ƒÄ Š¸¸£¿¢’¡¸¸¿
Guarantees given on behalf of constituents
(ˆÅ) - ž¸¸£÷¸ Ÿ¸Ê
(a) - in India 43349 40 02 40163 99 27
(‰¸) - ž¸¸£÷¸ ¬¸½ ¤¸¸í£
(b) - outside India 445 42 50 846 73 85
V ¬¨¸úˆ¼Å¢÷¸¡¸¸¿, œ¸¼«“¸¿ˆÅ›¸ ‚¸¾£ ‚›¡¸ ™¸¢¡¸÷¨¸
Acceptances, endorsements and other obligations 15778 19 98 16021 57 25
VI ‚›¡¸ Ÿ¸™Ê, ¢¸›¸ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ³Åœ¸ ¬¸½ „™¸¡¸ú í¾
Other items for which the bank is contingently liable
ˆÅ) ¤¡¸¸¸ ™£ ‚¸¾£ Ÿ¸ºÍ¸ ¬¨¸¾œ¸ ¨¸ †µ¸ ¸»ˆÅ ¬¨¸¾œ¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ™½¡¸÷¸¸
a) Liability in respect of interest rate and currency swaps and credit default
swaps 61482 77 48 7872 09 40
‰¸) ‚›¡¸ ”½¢£¨¸½¢’¨¸ ¬¸¿¢¨¸™¸‚¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ™½¡¸÷¸¸
b) Liability in respect of other Derivative contracts 3105 84 63 2808 58 62
Š¸) ¢¨¸¨¸¸¢™÷¸ ˆÅ£, ¤¡¸¸¸ ˆÅ£, ™¿” ‚¸¾£ ¤¡¸¸¸ Ÿ¸¸¿Š¸ ˆ½Å ˆÅ¸£µ¸
c) On account of disputed Income tax, Interest tax, penalty and interest
demands 861 50 03 2383 67 97
‹¸) ‚›¡¸ /
d) Others 1035 32 90 641 63 76
ˆºÅ¥¸ (I ¬¸½ VI) / TOTAL ( I to VI) 197055 57 70 176929 12 79

‚›¸º¬¸»¸ú 13 - ‚¢¸Ä÷¸ ¤¡¸¸¸ / SCHEDULE 13 - INTEREST EARNED

(` ‘000 Ÿ¸½¿ / ` in ‘000)

¢¨¸¨¸£µ¸ / Particulars 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Year Ended Year Ended
March 31, 2024 March 31, 2023
I ‚¢ŠÏŸ¸¸Ê/¢¤¸¥¸¸Ê œ¸£ ¤¡¸¸¸/¤¸’Ã’¸ / Interest/discount on advances/bills 17967 80 74 13336 16 05

II ¢›¸¨¸½©¸¸Ê ¬¸½ ‚¸¡¸ / Income on investments 7755 05 53 5958 67 21

III ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ¸Ÿ¸¸ ©¸½«¸ ÷¸˜¸¸ ‚›¡¸ ‚¿÷¸£ ¤¸ÿˆÅ ¢›¸¢š¸¡¸¸Ê œ¸£ ¤¡¸¸¸
Interest on balances with RBI and other inter-bank funds 334 88 45 517 96 94
IV ‚›¡¸ / Others 387 90 55 778 72 51

ˆºÅ¥¸ (I ¬¸½ IV) / TOTAL ( I to IV ) 26445 65 27 20591 52 71

468 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements
‚›¸º¬¸»¸ú 14 - ‚›¡¸ ‚¸¡¸ / SCHEDULE 14 - OTHER INCOME
(` ‘000 Ÿ¸½¿ / ` in ‘000)

¢¨¸¨¸£µ¸ / Particulars 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Year Ended Year Ended
March 31, 2024 March 31, 2023
I ˆÅŸ¸ú©¸›¸, ¢¨¸¢›¸Ÿ¸¡¸ ‚¸¾£ ™¥¸¸¥¸ú
Commission, exchange and brokerage 2038 54 95 2004 37 31
II ¢›¸¨¸½©¸¸Ê ˆÅú ¢¤¸ÇÅú œ¸£ ¥¸¸ž¸/ (í¸¢›¸) (¢›¸¨¸¥¸)
Profit/(Loss) on sale of investments (net) 727 69 60 816 38 63
III ¢›¸¨¸½©¸¸Ê ˆ½Å œ¸º›¸Ÿ¸»Ä¥¡¸›¸ œ¸£ ¥¸¸ž¸/ (í¸¢›¸) (¢›¸¨¸¥¸)
Profit/(Loss) on revaluation of investments (net) 2 64 20 102 84 52
IV ž¸»¢Ÿ¸, ž¸¨¸›¸ ÷¸˜¸¸ ‚›¡¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¢¤¸ÇÅú œ¸£ ¥¸¸ž¸/ (í¸¢›¸) (¢›¸¨¸¥¸)
Profit/(Loss) on sale of land, buildings and other assets (net) 83 25 24 (1 86 43)
V ¢¨¸¢›¸Ÿ¸¡¸ ¥¸½›¸-™½›¸¸Ê/ ”½¢£¨¸½¢’¨¸ œ¸£ ¥¸¸ž¸/ (í¸¢›¸) (¢›¸¨¸¥¸)
Profit/(Loss) on exchange transactions / Derivatives (net) 353 64 64 615 72 87
VI ¤¸’Ã’½ ‰¸¸÷¸½ ”¸¥¸½ Š¸‡ Ÿ¸¸Ÿ¸¥¸¸Ê ¬¸½ ¨¸¬¸»¥¸ú / Recovery from written off cases 508 31 79 716 46 89

VIl ¢¨¸¢¨¸š¸ ‚¸¡¸ / Miscellaneous Income 210 65 60 321 43 89

ˆºÅ¥¸ (I ¬¸½ VII) / TOTAL ( I to VII ) 3924 76 02 4575 37 68

‚›¸º¬¸»¸ú 15 - ¨¡¸¡¸Š¸÷¸ ¤¡¸¸¸ / SCHEDULE 15 - INTEREST EXPENDED

(` ‘000 Ÿ¸½¿ / ` in ‘000)

¢¨¸¨¸£µ¸ / Particulars 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Year Ended Year Ended
March 31, 2024 March 31, 2023
I ¸Ÿ¸¸£¸¢©¸¡¸¸Ê œ¸£ ¤¡¸¸¸ / Interest on deposits 10587 67 73 7819 18 19
II ¢£{¸¨¸Ä ¤¸ÿˆÅ/ ‚¿÷¸£-¤¸ÿˆÅ „š¸¸£ £¸¢©¸¡¸¸Ê œ¸£ ¤¡¸¸¸ / Interest on RBI / inter bank borrowings 905 35 96 438 09 71

III ‚›¡¸ / Others 733 32 23 873 16 67

ˆºÅ¥¸ (I ¬¸½ III) / TOTAL (I to III) 12226 35 92 9130 44 57

dm{f©H$ [anmoQ>© Annual Report 2023-24 469

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements
‚›¸º¬¸»¸ú 16 - œ¸¢£¸¸¥¸›¸ ¨¡¸¡¸ / SCHEDULE 16 - OPERATING EXPENSES
(` ‘000 Ÿ¸½¿ / ` in ‘000)

¢¨¸¨¸£µ¸ / Particulars 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Year Ended Year Ended
March 31, 2024 March 31, 2023

I ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ ž¸ºŠ¸÷¸¸›¸ ‚¸¾£ „›¸ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ / Payments to and provisions for employees 4417 00 96 3691 39 33

II ¢ˆÅ£¸¡¸¸, ˆÅ£ ‚¸¾£ ¢¤¸¸¥¸ú / Rent, taxes and lighting 543 01 75 507 59 02

III Ÿ¸ºÍµ¸ ‚¸¾£ ¥¸½‰¸›¸ ¬¸¸Ÿ¸ŠÏú / Printing and stationery 44 40 12 48 18 67

IV ¢¨¸±¸¸œ¸›¸ ‚¸¾£ œÏ¸¸£ / Advertisement and publicity 48 89 94 42 62 30

V ¤¸ÿˆÅ ˆÅú ¬¸¿œ¸¢î¸ œ¸£ Ÿ¸»¥¡¸Ý¸¬¸ / Depreciation on bank’s property 543 30 89 499 20 77

VI ¢›¸™½©¸ˆÅ¸Ê ˆÅú ûÅú¬¸, ž¸î¸½ ‚¸¾£ ¨¡¸¡¸ / Director’s fees, allowances and expenses 3 67 84 3 31 66

VII ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê ˆÅú ûÅú¬¸ ‚¸¾£ ¨¡¸¡¸ / Auditor’s fees and expenses 3 18 60 2 94 72

VIII ¢¨¸¢š¸ œÏž¸¸£ / Law charges 31 43 37 27 36 41

IX ”¸ˆÅ ‰¸¸Ä, ’½¥¸úŠÏ¸Ÿ¸, ’½¥¸úûŸ½›¸ ‚¸¢™ / Postage, telegrams, telephones etc. 128 41 67 119 59 80

X Ÿ¸£ŸŸ¸÷¸ ‚¸¾£ £‰¸£‰¸¸¨¸ / Repairs and maintenance 128 05 55 96 76 40

XI ¤¸úŸ¸¸ / Insurance 303 09 30 296 81 52

XII ‚›¡¸ ¨¡¸¡¸ / Other Expenditure :

(ˆÅ) ¤¸ÿ¢ˆ¿ÅŠ¸ ¨¡¸¡¸

(a) Banking expenses 204 00 27 182 20 64

(‰¸) ˆÅ¸”Ä ‡¨¸¿ ‡’ú‡Ÿ¸ ¨¡¸¡¸

(b) Card & ATM expenses 333 40 58 323 74 40

(Š¸) œ¸£¸Ÿ¸©¸Ä ¨¡¸¡¸

(c) Consultancy expenses 28 58 83 21 93 80

(‹¸) ¤¸’Ã’½ ‰¸¸÷¸½ Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅú ¨¸¬¸»¥¸ú ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¨¡¸¡¸

(d) Expenses for recovery of write off cases 9 43 27 8 68 46

(Œ) ‚¸„’¬¸¸½¢¬¸ôŠ¸ ¨¡¸¡¸

(e) Outsourcing expenses 712 20 68 662 84 83

(¸) ‚¸ƒÄ’ú ¨¡¸¡¸

(f) IT expenses 112 61 06 105 18 19

(Ž) ¬’¸ûÅ œÏ¢©¸®¸µ¸ ‡¨¸¿ ‚›¡¸ ¨¡¸¡¸

(g) Staff training & other expenses 21 22 56 14 61 55

470 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements
(` ‘000 Ÿ¸½¿ / ` in ‘000)

¢¨¸¨¸£µ¸ / Particulars 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½

¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Year Ended Year Ended
March 31, 2024 March 31, 2023

(¸) ¡¸¸°¸¸ ‚¸¾£ ¨¸¸í›¸ œÏž¸¸£

(h) Travelling and conveyance charges 38 92 19 39 36 34

(¸) ’ｏ¸£ú ¨¡¸¡¸

(i) Treasury expenses 5 06 33 6 24 96

(‘¸) „š¸¸£ú ˆ½Å ¢¥¸‡ ûÅú¬¸ ÷¸˜¸¸ ‚›¡¸ ¨¡¸¡¸

(j) Fee and other expenses for borrowing - -

(’) ‚›¡¸
(k) Other 710 43 51 531 92 75

ˆºÅ¥¸ (I ¬¸½ XII) / TOTAL ( I to XII ) 8370 39 27 7232 56 52

dm{f©H$ [anmoQ>© Annual Report 2023-24 471

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

‚›¸º¬¸»¸ú 17 - Ÿ¸í÷¨¸œ¸»µ¸Ä ¬¸Ÿ¸½¢ˆÅ÷¸ ¥¸½‰¸¸ ›¸ú¢÷¸¡¸¸¿

SCHEDULE 17 - CONSOLIDATED SIGNIFICANT ACCOUNTING POLICIES

Ÿ¸í÷¨¸œ¸»µ¸Ä ¥¸½‰¸¸¿ˆÅ›¸ ›¸ú¢÷¸¡¸¸¿ ‚˜¸¸Ä÷¸Ã ¬¸Ÿ¸»í ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ÷¸¾¡¸¸£ ˆÅ£›¸½ ‚¸¾£ œÏ¬÷¸º÷¸ ˆÅ£›¸½ Ÿ¸Ê ƒ›¸ ¢¬¸Ö¸¿÷¸¸Ê ˆÅ¸½ ¥¸¸Š¸» ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¢¨¸¢©¸«’ ¥¸½‰¸¸¿ˆÅ›¸ ›¸ú¢÷¸¡¸¸¿ ‚¸¾£ ÷¸£úˆ½Å
¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ íÿ.
Following are the significant accounting policies i.e., the specific accounting policies and methods of applying these principles in the preparation
and presentation of the financial statements of the Group.

1 ÷¸¾¡¸¸£ ˆÅ£›¸½ ˆÅ¸ ‚¸š¸¸£ / Basis of Preparation

¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¢¨¸¢›¸¡¸Ÿ¸›¸ ‚¢š¸¢›¸¡¸Ÿ¸, 1949 ˆÅú ÷¸ú¬¸£ú ‚›¸º¬¸»¸ú ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢›¸š¸¸Ä¢£÷¸ ‚œ¸½®¸¸‚¸Ê ˆ½Å ‚›¸º¬¸¸£ ÷¸¾¡¸¸£ ¢ˆÅ‡ Š¸‡ íÿ. ƒ›¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅ¸½ ÷¸¾¡¸¸£
ˆÅ£›¸½ Ÿ¸Ê œÏ¡¸ºÆ÷¸ ¥¸½‰¸¸¿ˆÅ›¸ ›¸ú¢÷¸¡¸¸¿ ¬¸ž¸ú Ÿ¸í÷¨¸œ¸»µ¸Ä œ¸í¥¸º‚¸Ê Ÿ¸Ê ž¸¸£÷¸ Ÿ¸Ê ¬¸¸Ÿ¸¸›¡¸÷¸À ¬¨¸úˆ¼Å÷¸ ¥¸½‰¸¸¿ˆÅ›¸ ¢¬¸Ö¸¿÷¸¸Ê (ž¸¸£÷¸ú¡¸ ¸ú‡‡œ¸ú), ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ (¢£{¸¨¸Ä ¤¸ÿˆÅ)
׸£¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ¸¸£ú ¢™©¸¸¢›¸™½Ä©¸¸Ê, ˆ¿Åœ¸›¸ú (¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ) ¢›¸¡¸Ÿ¸, 2021 ¬¸¢í÷¸ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 (`‚¢š¸¢›¸¡¸Ÿ¸') ˆÅú š¸¸£¸ 133 ‚¸¾£ ƒ¬¸ˆ½Å ‚¿÷¸Š¸Ä÷¸
¤¸›¸¸¡¸½ Š¸¡¸½ ¢›¸¡¸Ÿ¸¸Ê ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ ž¸¸£÷¸ú¡¸ ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£ ¬¸¿¬˜¸¸›¸ (‚¸ƒÄ¬¸ú‡‚¸ƒÄ) ׸£¸ ¸¸£ú ¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ (‡‡¬¸), ¸í¸¿ ÷¸ˆÅ ¨¸½ ¤¸ÿˆÅ¸Ê œ¸£ ¥¸¸Š¸» í¸½÷¸½ íÿ, ‚¢š¸¢›¸¡¸Ÿ¸
ˆ½Å œÏ¸¨¸š¸¸›¸¸½¿ ‚¸¾£ ž¸¸£÷¸ Ÿ¸Ê ¤¸ÿ¢ˆ¿ÅŠ¸ „Ô¸¸½Š¸ Ÿ¸Ê ¬¸¸Ÿ¸¸›¡¸÷¸À œÏ¸¢¥¸÷¸ œ¸¢Ö¢÷¸¡¸¸Ê ˆ½Å ‚›¸º³Åœ¸ íÿ. ¤¸ÿˆÅ ¥¸½‰¸¸¿ˆÅ›¸ ˆÅú „œ¸¸¡¸ œ¸Ö¢÷¸ ÷¸˜¸¸ œ¸£¿œ¸£¸Š¸÷¸ ¥¸¸Š¸÷¸ œ¸Ö¢÷¸, ¸í¸¿ ‚›¡¸˜¸¸
„¦¥¥¸¢‰¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¸½ ˆÅ¸½ Ž¸½”õˆÅ£, ˆÅ¸ ‚›¸º¬¸£µ¸ ˆÅ£÷¸¸ í¾.
The financial statements have been prepared in accordance with requirements prescribed under the Third Schedule of the Banking
Regulation Act, 1949. The accounting policies used in the preparation of these financial statements, in all material aspects, conform to
Generally Accepted Accounting Principles in India (Indian GAAP), the guidelines issued by the Reserve Bank of India (RBI) from time to
time, the Accounting Standards (AS), issued by The Institute of Chartered Accountants of India (ICAI) prescribed under Section 133 of
Companies Act, 2013 (‘Act’) read with rules thereunder including the Companies (Accounting Standards) Rules, 2021, in so far as they
apply to banks, provisions of the Act and practices generally prevalent in the banking industry in India. The Bank follows the accrual
method of accounting and historical cost convention, except where otherwise stated.

¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅ¸½ ÷¸¾¡¸¸£ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‚œ¸›¸¸ƒÄ Š¸ƒÄ ¥¸½‰¸¸¿ˆÅ›¸ ›¸ú¢÷¸¡¸¸¿, ¸í¸¿ ‚›¡¸˜¸¸ „¦¥¥¸¢‰¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¸½ ˆÅ¸½ Ž¸½”õˆÅ£, ¢œ¸Ž¥¸½ ¨¸«¸Ä ˆÅú ÷¸£í íú ¸¸£ú £‰¸ú Š¸ƒÄ íÿ.
The accounting policies adopted in the preparation of financial statements are consistent with those followed in the previous year
except as otherwise stated.

2 ¬¸Ÿ¸½ˆÅ›¸ ˆÅ¸ ‚¸š¸¸£ / Basis of Consolidation

¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ ‡‡¬¸-21 `¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸', ‡‡¬¸-23 `¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‚¸Ê Ÿ¸Ê ¢›¸¨¸½©¸ ˆ½Å ¢¥¸‡
¥¸½‰¸¸¿ˆÅ›¸' ‚¸¾£ ‡‡¬¸ 27 `¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸¸Ê Ÿ¸Ê ¢í÷¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê ¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸' Ÿ¸Ê œ¸¢£ž¸¸¢«¸÷¸ ¢ˆÅ‡ ‚›¸º¬¸¸£ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸. (Ÿ¸»¥¸ ˆ¿Åœ¸›¸ú - ``¤¸ÿˆÅ'') ‚¸¾£ ƒ¬¸ˆÅú
¬¸ž¸ú ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸Ê / ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‚¸Ê / ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ ˆ½Å ¥¸½‰¸½ ©¸¸¢Ÿ¸¥¸ íÿ.
The consolidated financial statements include the accounts of IDBI Bank Limited (parent company – “the Bank”) and all its Subsidiaries/
Associates/Joint Venture as defined in Accounting Standard AS-21 'Consolidated Financial Statements', AS-23 ‘Accounting for
Investments in Associates in Consolidated Financial Statements’ and AS-27 `Financial Reporting of Interests in Joint Ventures’.

¬¸Ÿ¸½ˆÅ›¸ Ÿ¸Ê œÏ¡¸ºÆ÷¸ ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸Ê / ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‚¸Ê / ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ „¬¸ú ¢£œ¸¸½¢’ôŠ¸ ÷¸¸£ú‰¸ ÷¸ˆÅ ÷¸¾¡¸¸£ ¢ˆÅ‡ Š¸‡ íÿ ¢¸¬¸ ÷¸¸£ú‰¸ ÷¸ˆÅ ¤¸ÿˆÅ ˆ½Å
÷¸¾¡¸¸£ ¢ˆÅ‡ Š¸‡ íÿ ‚˜¸¸Ä÷¸Ã 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ‡¨¸¿ ‚›¸º¬¸»¸ú 18(10) Ÿ¸Ê „¦¥¥¸¢‰¸÷¸ ¸¸£ ¬¸í¡¸¸½¢Š¸¡¸¸Ê ˆÅ¸½ Ž¸½”õˆÅ£ ¢¸›¸ˆ½Å ¢£œ¸¸½¢’ôŠ¸ ¢÷¸¢˜¸ ˆ½Å ¢¨¸î¸ú¡¸
¢¨¸¨¸£µ¸ „œ¸¥¸¤š¸ ›¸íú¿ íÿ, ˆ½Å ‚¸š¸¸£ œ¸£ ÷¸¾¡¸¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ƒ›¸ˆÅ¸½ ›¸¨¸ú›¸÷¸Ÿ¸ „œ¸¥¸¤š¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ¬¸Ÿ¸»í Ÿ¸í÷¨¸œ¸»µ¸Ä £¸¢©¸¡¸¸Ê ˆ½Å
¢¥¸‡ ‚¬¸Ÿ¸¸›¸ ¥¸½‰¸¸ ›¸ú¢÷¸¡¸¸Ê ˆÅ¸½ ¬¸Ÿ¸¸¡¸¸½¢¸÷¸ ˆÅ£÷¸¸ í¾.
The financial statements of the subsidiaries/associates/joint venture used in the consolidation are drawn up to the same reporting date
as that of the Bank i.e. year ended March 31, 2024 and have been prepared on the basis of except for four associates as mentioned in
Schedule 18(10), for which financial statements as on reporting date are not available. These have been consolidated based on latest
available financial statements. The group makes adjustments for non-uniform accounting policies for material amounts.

¤¸ÿˆÅ ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅ¸½ ¢›¸Ÿ›¸ ˆ½Å ¬¸¸˜¸ ¢Ÿ¸¥¸¸¡¸¸ Š¸¡¸¸ í¾À (ˆÅ) ƒ¬¸ˆÅú ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸Ê ˆÅú ‚¸¦¬÷¸¡¸¸Ê, ™½¡¸÷¸¸‚¸Ê, ‚¸¡¸ ‚¸¾£ ¨¡¸¡¸ ¸¾¬¸ú Ÿ¸™¸Ê ˆ½Å ¤¸íú-Ÿ¸»¥¡¸¸Ê ˆÅ¸½ œ¸¿¢Æ÷¸-
™£-œ¸¿¢Æ÷¸ ‚¸š¸¸£ œ¸£ ¸¸½”õˆÅ£, (‰¸) ƒ¬¸ˆ½Å ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ ˆÅú ‚¸¦¬÷¸¡¸¸Ê, ™½¡¸÷¸¸‚¸Ê, ‚¸¡¸ ‚¸¾£ ¨¡¸¡¸ ¸¾¬¸ú Ÿ¸™¸Ê ˆ½Å ‚¸›¸ºœ¸¸¢÷¸ˆÅ ¤¸íú-Ÿ¸»¥¡¸¸Ê ˆÅ¸½ œ¸¿¢Æ÷¸-™£-œ¸¿¢Æ÷¸ ‚¸š¸¸£ œ¸£
¬¸Ÿ¸½¢ˆÅ÷¸ ˆÅ£. ¢¨¸¥¸¸½œ¸›¸ ¢í¬¬¸½™¸£ú ˆ½Å ¬¸Ÿ¸÷¸º¥¡¸ ‚¸›¸ºœ¸¸¢÷¸ˆÅ ‚¸š¸¸£ œ¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. (Š¸) ‡‡¬¸-23 ˆÅú ƒ¦Æ¨¸’ú ¢¨¸¢š¸ ˆ½Å ‚›¸º¬¸¸£ ƒ¬¸ˆÅú ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‚¸Ê ˆÅ¸½ ¬¸Ÿ¸½¢ˆÅ÷¸
ˆÅ£. ‚¿÷¸À ¬¸Ÿ¸»í ¬¸¿¨¡¸¨¸í¸£¸Ê ‚¸¾£ ©¸½«¸ £¸¢©¸¡¸¸Ê ˆÅ¸½ ¬¸Ÿ¸½ˆÅ›¸ œ¸£ ¬¸Ÿ¸¸œ÷¸ ˆÅ£ ¢™¡¸¸ Š¸¡¸¸ í¾. ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸Ê Ÿ¸Ê Ÿ¸»¥¸ ¬¸¿¬˜¸¸ ˆ½Å ¢›¸¨¸½©¸ ˆÅú ¥¸¸Š¸÷¸ ÷¸˜¸¸ ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸Ê/
¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‚¸Ê ˆÅú ƒ¦Æ¨¸’ú Ÿ¸Ê Ÿ¸»¥¸ ¬¸¿¬˜¸¸ ˆ½Å ¢í¬¬¸½ ˆ½Å ‚¿÷¸£ ˆÅ¸½ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸-œ¸°¸¸Ê Ÿ¸Ê ¬¸¸‰¸/œ¸»¿¸ú ¢£{¸¨¸Ä ˆ½Å ³Åœ¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ Š¸¡¸¸ í¾. ¬¸Ÿ¸½¢ˆÅ÷¸ ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸Ê ˆÅú
¢›¸¨¸¥¸ ‚¸¦¬÷¸¡¸¸Ê Ÿ¸Ê ‚¥œ¸¬¸¿‰¡¸ˆÅ ¢í÷¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ©¸¸¢Ÿ¸¥¸ íÿÀ
The financial statements of the Bank have been combined with: (a) its subsidiaries on a line by line basis by adding the book values of
like items of assets, liabilities, income & expenses, (b) its joint venture on a line by line basis by consolidating the proportionate book
values of like items of assets, liabilities, income and expenses. The elimination has been considered on proportionate basis equivalent
to the stake. c) Its associates by consolidating as per Equity method as per AS-23. Intra Group transactions and balances have been

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 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

eliminated on Consolidation. The difference between cost to the parent of its investment in the subsidiaries and the parent’s portion of
the equity of the subsidiaries/associates is recognized in the financial statements as goodwill/ Capital Reserve Minority interest in the
net assets of the consolidated subsidiaries consists of:

(ˆÅ) ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸ Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ‚¥œ¸¬¸¿‰¡¸ˆÅ¸Ê ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ƒ¦Æ¨¸’ú ˆÅú £¸¢©¸; ÷¸˜¸¸
(a) The amount of equity attributable to the minorities at the date on which investment in a subsidiary is made; and

(‰¸) Ÿ¸»¥¸ ¬¸¿¬˜¸¸-¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸ ˆ½Å ¬¸¿¤¸¿š¸¸Ê ˆ½Å ‚¦¬÷¸÷¨¸ Ÿ¸Ê ‚¸›¸½ ˆ½Å ¤¸¸™ ¬¸½ ƒ¦Æ¨¸’ú Ÿ¸Ê ‚¥œ¸¬¸¿‰¡¸ˆÅ ˆ½Å ¢í¬¬¸½ Ÿ¸½¿ ‹¸’-¤¸õ.
(b) The minorities’ share of movements in equity since the date the parent-subsidiary relationship came into existence.

¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ˆÅú Š¸ƒÄ ¬¸¿¬˜¸¸‡¿ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ íÿ À

The entities considered in the consolidated financial statements are:

ÇÅ.¬¸¿. ˆ¿Åœ¸›¸ú ˆÅ¸ ›¸¸Ÿ¸ ¢›¸Š¸Ÿ¸›¸ ™½©¸ ¢›¸Ÿ›¸ ÷¸¸£ú‰¸ ˆÅ¸½ ¬¨¸¸¢Ÿ¸÷¨¸ ¢í÷¸ ˆÅ¸ %
SN Name of the company Country of % of ownership interest as at
Incorporation
31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023
March 31, 2024 March 31, 2023
‚) ¢¨¸î¸ú¡¸ ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‡¿À
A) Financial Subsidiary Companies:
1) ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄΓ¸ ‡¿” ¢¬¸Æ¡¸º¢£’ú{¸ ¢¥¸. ž¸¸£÷¸
IDBI Capital Markets & Securities Limited India 100 100
2) ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ¢¥¸¢Ÿ¸’½” ž¸¸£÷¸
IDBI Asset Management Limited India 66.67 66.67
‚¸) Š¸¾£-¢¨¸î¸ú¡¸ ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‡¿À
B) Non-Financial Subsidiary Companies:
1) ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ƒ¿’½ˆÅ ¢¥¸¢Ÿ¸’½” ž¸¸£÷¸
IDBI Intech Limited. India 100 100
2) ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‡Ÿ¸‡ûÅ ’﬒ú ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ž¸¸£÷¸
IDBI MF Trustee Company Limited India 100 100
3) ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’﬒ú¢©¸œ¸ ¬¸¢¨¸Ä¬¸½{¸ ¢¥¸. ž¸¸£÷¸
IDBI Trusteeship Services Limited India 54.70 54.70
ƒ) ¸ú¨¸›¸ ¤¸úŸ¸¸ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸À
C) Life Insurance Joint Venture:
1) ‡¢¸¬¸ û½Å”£¥¸ ¥¸¸ƒûÅ ƒ›©¡¸¸½£Ê¬¸ ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ž¸¸£÷¸
Ageas Federal Life Insurance Company Limited India #
0 #
0
ƒÄ) ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‡¿À
D) Associate Companies:
1) ›¸½©¸›¸¥¸ ¢¬¸Æ¡¸º¢£’ú{¸ ¢”œ¸¸Á¢¸’£ú ¢¥¸. ž¸¸£÷¸
National Securities Depository Limited India 26.10 26.10
2) ¤¸¸¡¸¸½’½ˆÅ ˆ¿Å¬¸¸½¢©¸Ä¡¸Ÿ¸ ƒ¿¢”¡¸¸ ¢¥¸. ž¸¸£÷¸
Biotech Consortium India Limited India 27.93 27.93
3) ›¸¸Á˜¸Ä ƒÄ¬’›¸Ä ”½¨¸¥¸œ¸Ÿ¸Ê’ ûŸƒ›¸Ê¬¸ ˆÅ¸Áœ¸¸½Ä£½©¸›¸ ¢¥¸. ž¸¸£÷¸
North Eastern Development Finance Corporation India
Limited 25 25
4) œ¸¸¿¢”¸½£ú ƒ¿”¦¬’¥¸ œÏŸ¸¸½©¸›¸ ”½¨¸¥¸œ¸Ÿ¸Ê’ ‡¿” ƒ›¨¸½¬’Ÿ¸Ê’ ž¸¸£÷¸
ˆÅ¸½£œ¸¸½£½©¸›¸ ¢¥¸. (œ¸ú‚¸ƒÄœ¸ú”ú‚¸ƒÄ¬¸ú‡¥¸)
Pondicherry Industrial Promotion Development and India 21.14 21.14
Investment Corporation Limited (PIPDICL)
# ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ›¸½ ¢™›¸¸¿ˆÅ 21 ¢¬¸÷¸¿¤¸£ 2022 ˆÅ¸½ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ (‡¢¸¬¸ û½Å”£¥¸ ¥¸¸ƒûÅ ƒ›©¡¸¸½£Ê¬¸ ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½”) Ÿ¸Ê ‚œ¸›¸ú ¢í¬¬¸½™¸£ú ˆÅ¸½ ¤¸½¸ ¢™¡¸¸ í¾.
‚÷¸À ‡¢¸¬¸ û½Å”£¥¸ ¥¸¸ƒûÅ ƒ›©¡¸¸½£Ê¬¸ ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” (25%) ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅ¸ ¬¸Ÿ¸½ˆÅ›¸ 20 ¢¬¸÷¸¿¤¸£ 2022 ÷¸ˆÅ íú ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
# IDBI Bank Limited have sold its stake in Joint Venture (Ageas Federal Life Insurance Company Limited.) on September 21, 2022.
Hence, Financials of Ageas Federal Life Insurance Company Limited (25%) has been consolidated upto September 20, 2022.

dm{f©H$ [anmoQ>© Annual Report 2023-24 473

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

3 ‚›¸ºŸ¸¸›¸¸Ê ˆÅ¸ „œ¸¡¸¸½Š¸ / Use of Estimates

¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ÷¸¾¡¸¸£ ˆÅ£›¸½ í½÷¸º œÏ¤¸¿š¸›¸ ˆ½Å ¢¥¸‡ ¡¸í ¸³Å£ú í¾ ¢ˆÅ ¨¸í ‡½¬¸½ ‚›¸ºŸ¸¸›¸ ‡¨¸¿ š¸¸£µ¸¸‡¿ ¤¸›¸¸‡ ¸¸½ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ™©¸¸Ä¡¸ú Š¸ƒÄ ‚¸¦¬÷¸¡¸¸Ê, ™½¡¸÷¸¸‚¸Ê,
¨¡¸¡¸¸Ê, ‚¸¡¸ ˆÅú £¸¢©¸ ‚¸¾£ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‚¸Ê ˆ½Å œÏˆÅ’úˆÅ£µ¸ ˆÅ¸½ œÏž¸¸¢¨¸÷¸ ˆÅ£Ê. œÏ¤¸¿š¸›¸ ˆÅ¸½ ¢¨¸æ¸¸¬¸ í¾ ¢ˆÅ ¡¸½ ‚›¸ºŸ¸¸›¸ ‡¨¸¿ š¸¸£µ¸¸‡¿ ÷¸ˆÄÅœ¸»µ¸Ä ‚¸¾£ ¢¨¸¨¸½ˆÅœ¸»µ¸Ä íÿ. ÷¸˜¸¸¢œ¸,
¨¸¸¬÷¸¢¨¸ˆÅ œ¸¢£µ¸¸Ÿ¸ ‚›¸ºŸ¸¸›¸¸Ê ¬¸½ ‚¥¸Š¸ í¸½ ¬¸ˆÅ÷¸½ íÿ. ¥¸½‰¸¸ ‚›¸ºŸ¸¸›¸¸Ê Ÿ¸Ê ¢ˆÅ¬¸ú ž¸ú ÷¸£í ˆ½Å ¬¸¿©¸¸½š¸›¸ ˆÅ¸½ ¸¸¥¸» ÷¸˜¸¸ ž¸¸¨¸ú ‚¨¸¢š¸¡¸¸Ê Ÿ¸Ê ž¸¢¨¸«¡¸¥¸®¸ú œÏž¸¸¨¸ ˆ½Å ¬¸¸˜¸ ™©¸¸Ä¡¸¸
¸¸÷¸¸ í¾.
The preparation of financial statements requires the management to make estimates and assumptions that may affect the reported
amount of assets, liabilities, expenses, income and disclosure of contingent liabilities as at the date of the financial statements.
Management believes that these estimates and assumptions are reasonable and prudent. However, actual results could differ from
estimates. Any revision to accounting estimates is recognized prospectively in current and future periods.

4 £¸¸¬¨¸ ¢›¸š¸¸Ä£µ¸ / Revenue Recognition

‚. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
A. In case of IDBI Bank Limited
£¸¸¬¨¸ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ƒ¬¸ ‚¢š¸¬¸¿ž¸¸¨¡¸ ¬¸úŸ¸¸ ˆ½Å ÷¸í÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢ˆÅ ¤¸ÿˆÅ ˆÅ¸½ ‚¸¢˜¸ÄˆÅ ¥¸¸ž¸ ¢Ÿ¸¥¸½Š¸¸ ÷¸˜¸¸ £¸¸¬¨¸ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢¨¸æ¸¬¸›¸ú¡¸ ³Åœ¸ ¬¸½ ¢ˆÅ¡¸¸ ¸¸
¬¸ˆÅ÷¸¸ í¾.
Revenue is recognized to the extent it is probable that the economic benefits will flow to the Bank and the revenue can be reliably
measured.

i. ¤¡¸¸¸ ‚¸¡¸ ˆÅú Š¸µ¸›¸¸ „œ¸¸¡¸ ‚¸š¸¸£ œ¸£ ˆÅú ¸¸÷¸ú í¾, ‚›¸¸ÄˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆöŸ½ Ž¸½”õˆÅ£ ¢¸›¸ˆÅú Š¸µ¸›¸¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢¨¸¨¸½ˆÅœ¸»µ¸Ä Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚›¸º¬¸¸£
¨¸¬¸»¥¸ú œ¸£ ˆÅú ¸¸÷¸ú í¾.
Interest income is recognized on accrual basis except in the case of non-performing assets where it is recognized upon
realization as per the prudential norms of the RBI.

ii. ¬¸¸‰¸ œ¸°¸ (‡¥¸¬¸ú)/¤¸ÿˆÅ Š¸¸£¿’ú (¤¸ú¸ú) œ¸£ ˆÅŸ¸ú©¸›¸ ¬¸¸‰¸ œ¸°¸/¤¸ÿˆÅ Š¸¸£¿’ú ˆÅú ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ „œ¸¢¸÷¸ í¸½÷¸¸ í¾.
Commissions on Letter of Credit (LC)/ Bank Guarantee (BG) are accrued over the period of LC/ BG.

iii. ©¸º¥ˆÅ ‚¸¾£ ˆÅŸ¸ú©¸›¸ ‚¸¡¸ ˆÅ¸½ ‚¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê Ÿ¸¸›¡¸÷¸¸ ÷¸¤¸ ™ú ¸¸÷¸ú í¾ ¸¤¸ ™½¡¸ í¸½ ‚¸¾£ ¨¸¬¸»¥¸ú ˆÅ¸ „¢¸÷¸ ‚¢š¸ˆÅ¸£ ¬˜¸¸¢œ¸÷¸ í¸½ ¸¸÷¸¸ í¾ ÷¸˜¸¸ ƒ¬¸ˆÅ¸
Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢¨¸æ¸¬¸›¸ú¡¸÷¸¸ ˆ½Å ¬¸¸˜¸ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾. ¢¬¸¿¢”ˆ½Å©¸›¸ / ‚£Ê¸£ ©¸º¥ˆÅ ˆÅ¸½ ‚¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê Ÿ¸¸›¡¸÷¸¸ ÷¸¤¸ ™ú ¸¸÷¸ú í¾ ¸¤¸ ˆÅ¸½ƒÄ Ÿ¸í÷¨¸œ¸»µ¸Ä ˆÅ¸¡¸Ä/
Ÿ¸¸ƒÄ¥¸¬’¸½›¸ œ¸»£¸ í¸½ ¸¸÷¸¸ í¾.
Fees and commission income is recognized as income when due and reasonable right of recovery is established and can
be reliably measured. Syndication / Arranger fee is recognized as income when a significant act / milestone is completed.

iv. ¤¸’Ã’¸ˆ¼Å÷¸ ¢¥¸‰¸÷¸¸Ê œ¸£ ‚¸¡¸ ˆÅ¸½ ¢›¸£¿÷¸£ œÏ¢÷¸ûÅ¥¸ ‚¸š¸¸£ œ¸£ ¢¥¸‰¸÷¸ ˆÅú ‚¨¸¢š¸ ˆ½Å ‚›¸º¬¸¸£ ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Income on discounted instruments is recognized over the tenure of the instrument on a constant yield basis.

v. ¥¸¸ž¸¸¿©¸ œÏ¸œ÷¸ ˆÅ£›¸½ ˆÅ¸ ‚¢š¸ˆÅ¸£ ¬˜¸¸¢œ¸÷¸ í¸½›¸½ œ¸£ „œ¸¸¡¸ ‚¸š¸¸£ œ¸£ ƒ¬¸½ ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾.
Dividend is booked on accrual basis when the right to receive is established.

vi. ‚›¸¸ÄˆÅ ‚¢ŠÏŸ¸¸Ê (‡›¸œ¸ú‡)/÷¸ˆÅ›¸úˆÅú ³Åœ¸ ¬¸½ ¤¸’Ã’½ ‰¸¸÷¸½ ”¸¥¸½ Š¸¡¸½ (’ú”¤¥¡¸º‚¸½) ‰¸¸÷¸¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ¨¸¬¸»¥¸ú ˆÅ¸ ¢¨¸¢›¸¡¸¸½¸›¸ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ¿Š¸ ¬¸½ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾À
The appropriation of recoveries in case of Non-Performing Advances (NPA)/ Technically Written-off (TWO) accounts is
done in the following manner:

ˆÅ. ‡›¸¬¸ú‡¥¸’ú/ Ÿ¸š¡¸¬˜¸÷¸¸ ¡¸¸ ¢¨¸¢š¸ˆÅ ˆÅ¸¡¸Ä¨¸¸íú ˆ½Å ÷¸í÷¸ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê, ¨¸¬¸»¥¸ú ˆÅ¸½ ‡›¸¬¸ú‡¥¸’ú/Ÿ¸š¡¸¬˜¸/›¡¸¸¡¸¸¥¸¡¸ ˆ½Å ¬¸º¬¸¿Š¸÷¸
‚¸™½©¸ ˆ½Å ‚›¸º¬¸¸£ ¢¨¸ž¸¸¢¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ¢¨¸¢©¸«’ Ÿ¸¸Ÿ¸¥¸½ ¡¸¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆ½Å ¬¸Ÿ¸»í ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¬¸¸¿¢¨¸¢š¸ˆÅ/¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¢›¸™½Ä©¸¸Ê, ¡¸¢™ ˆÅ¸½ƒÄ ¸¸£ú
¢ˆÅ¡¸½ Š¸¡¸½ í¸½, ˆ½Å ‚›¸º¬¸¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
a. In respect of borrowers under NCLT/Arbitration or Legal Proceedings, the recovery is apportioned in terms of
relevant order of NCLT/ Arbitrator/ Court of Law and in accordance with statutory /regulatory directives if any
issued in respect of a specific case or group of cases.

‰¸. ‡½¬¸½ Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê ¸í¸¿ ¨¸¬¸»¥¸ú †µ¸ ‰¸¸÷¸¸Ê ˆ½Å ‚¿¢÷¸Ÿ¸ ‰¸¸÷¸¸¤¸¿™ú (Š¸¸£¿’£/‚›¡¸ œ¸®¸¸Ê, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ¬¸¢í÷¸ †µ¸™¸÷¸¸/ „š¸¸£ˆÅ÷¸¸Ä ¬¸¿¤¸¿š¸ ˆÅ¸ ¢¨¸Ž½™)
ˆÅú ‚¸½£ „›Ÿ¸º‰¸ í¸½ [‡ˆÅŸ¸º©÷¸ ¢›¸œ¸’¸›¸/¤¸¸÷¸¸ú÷¸ ˆ½Å ¸¢£‡ ¢›¸œ¸’¸›¸/ ™¤¸¸¨¸ŠÏ¬¸÷¸ †µ¸ ‡Æ¬¸œ¸¸½¸£ ˆ½Å ‚¿÷¸£µ¸/‚¸ƒÄ¤¸ú¬¸ú ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¨¸¬¸»¥¸ú
(¬¸Ÿ¸¸š¸¸›¸ £ú¢÷¸/œ¸¢£¬¸Ÿ¸¸œ¸›¸ £ú¢÷¸ ˆ½Å ÷¸í÷¸) ¥¸½¢ˆÅ›¸ ¨¸¬¸»¥¸ú ˆ½Å ¢ˆÅ¬¸ú ‚›¡¸ ÷¸£úˆ½Å ˆ½Å ÷¸í÷¸ ˆÅ¸½ƒÄ ‚¸¾£ ¢¨¸¢š¸ˆÅ ¨¸¬¸»¥¸ú-œÏ¸¢š¸ˆÅ¸£ „œ¸¥¸¤š¸ ¡¸¸
œÏ¬÷¸¸¢¨¸÷¸ ›¸ í¸½] ˆÅ¸½ ›¸ú¸½ ¨¸¢µ¸Ä÷¸ ‚›¸º¬¸¸£ ¢¨¸¢›¸¡¸¸½¢¸÷¸ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸À
b. In cases where recovery is leading to final closure (severance of lender /borrower relationship including with
guarantors /third parties, if any) of loan accounts [by way of One time settlement /Negotiated settlement /transfer

474 Friendship That

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 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

of Stressed Loan Exposure/Recovery through IBC (under resolution mode/liquidation mode) but no further legal
recourse is available or proposed through any other mode of recovery] shall be appropriated as mentioned below::

(i) Ÿ¸»¥¸š¸›¸ / Principal

(ii) ‚™î¸ ¨¡¸¡¸ / œ¸í¥¸½ ¬¸½ íú „œ¸Š¸÷¸/œÏ™î¸ ¨¡¸¡¸ / Unpaid Expenses/Expenses already incurred /paid.

(iii) ¤¡¸¸¸ / ™¿”¸÷Ÿ¸ˆÅ ¤¡¸¸¸ / Interest / penal Interest

(iv) œÏž¸¸£ (¤¸ˆÅ¸¡¸¸ ©¸º¥ˆÅ/¤¸ú¸ú ˆÅŸ¸ú©¸›¸) / Charges (Fees/BG commission outstanding).

Š¸. ‡½¬¸½ Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê ¸í¸¿ ¨¸¬¸»¥¸ú ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ ‰¸¸÷¸¸Ê ˆÅ¸½ ‚¿¢÷¸Ÿ¸ ³Åœ¸ ¬¸½ ¤¸¿™ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾, ¬¸¿¢¨¸™¸ ˆÅú ©¸÷¸¸½ô ˆ½Å ‚›¸º¬¸¸£ ¢¨¸¢›¸¡¸¸½¢¸÷¸ ¢ˆÅ¡¸¸
¸¸‡Š¸¸. ¸í¸¿ ‡›¸œ¸ú‡ Ÿ¸Ê ¨¸¬¸»¥¸ú ˆ½Å ¢¨¸¢›¸¡¸¸½¸›¸ ˆ½Å œÏ¡¸¸½¸›¸ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ‚¸¾£ „š¸¸£ˆÅ÷¸¸Ä ˆ½Å ¤¸ú¸ ˆÅ¸½ƒÄ ¬œ¸«’ ¬¸Ÿ¸¸¸¾÷¸¸ ›¸íú¿ í¾, „¬¸½ ›¸ú¸½ ¤¸÷¸¸‡
‚›¸º¬¸¸£ ¢¨¸¢›¸¡¸¸½¢¸÷¸ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸À
c. In cases where recovery not resulting in final closure of accounts, it shall be appropriated as per contractual terms.
In absence of any clear agreement between bank and borrower for the purpose of appropriation of recoveries in
NPAs, the same would be appropriated as mentioned below:

(i) ‚™î¸ ¨¡¸¡¸/ œ¸í¥¸½ ¬¸½ íú „œ¸Š¸÷¸/œÏ™î¸ ¨¡¸¡¸ / Unpaid Expenses/Expenses already incurred /paid.
(ii) ¤¡¸¸¸ / ™¿”¸÷Ÿ¸ˆÅ ¤¡¸¸¸ / Interest /penal Interest
(iii) œÏž¸¸£ (¤¸ˆÅ¸¡¸¸ ©¸º¥ˆÅ/¤¸ú¸ú ˆÅŸ¸ú©¸›¸) / Charges (Fees/BG commission outstanding).
(iv) Ÿ¸»¥¸š¸›¸ / Principal
vii. ¤¸’Ã’½ ‰¸¸÷¸½ Ÿ¸Ê ”¸¥¸½ Š¸‡ †µ¸¸Ê ¬¸½ ¨¸¬¸»¥¸ ˆÅú Š¸ƒÄ £¸¢©¸ ˆÅ¸½ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ¢¨¸¨¸£µ¸ Ÿ¸Ê ‚¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
Amounts recovered against debts written off are recognized as income in the Statement of Profit & Loss.

viii. ‡›¸œ¸ú‡ ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸½ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ¢¨¸¨¸£µ¸ Ÿ¸Ê ¨¡¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
Provisions for NPA are recognized as an expense in the Statement of Profit & Loss.

‚¸. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄΓ¸ ‡¿” ¢¬¸Æ¡¸º¢£’ú{¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
B. In case of IDBI Capital Markets & S ecurities Limited
i. ˆ»Åœ¸›¸ ¨¸¸¥¸ú †µ¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅú ‡ˆÅŸ¸º©÷¸ ‚¸š¸¸£ œ¸£ ‰¸£ú™ ‚˜¸¨¸¸ ¢¤¸ÇÅú œ¸£ œÏ™î¸ ‚˜¸¨¸¸ œÏ¸œ÷¸ ˆºÅ¥¸ œÏ¢÷¸ûÅ¥¸ ˆÅ¸½ Ÿ¸»¥¸š¸›¸ œÏ¢÷¸ûÅ¥¸ ‚¸¾£ „œ¸¢¸÷¸ ¤¡¸¸¸
ˆ½Å ³Åœ¸ Ÿ¸Ê ‚¥¸Š¸ ¬¸½ ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‡½¬¸ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅú ‰¸£ú™ œ¸£ „œ¸¢¸÷¸ ¤¡¸¸¸ ˆ½Å ³Åœ¸ Ÿ¸Ê œÏ™î¸ £¸¢©¸ ÷¸˜¸¸ ¢¤¸ÇÅú œ¸£ œÏ¸œ÷¸ £¸¢©¸ ˆÅú ¢›¸¨¸¥¸
‚¸š¸¸£ œ¸£ Š¸µ¸›¸¸ ˆÅú ¸¸÷¸ú í¾ ‚¸¾£ „¬¸½ ¤¡¸¸¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¡¸¡¸ ‚˜¸¨¸¸ ‚¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾.
Total consideration paid or received on purchase or sale, on outright basis, of coupon-bearing debt securities is identified
separately as principal consideration and accrued interest. Amount paid as accrued interest on purchase, and received
on sale, of such securities is netted and reckoned as expense or income by way of interest.

ii. ÷¸º¥¸›¸-œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ š¸¸¢£÷¸ ¢›¸¡¸÷¸ ˆ»Åœ¸›¸ ¨¸¸¥¸ú †µ¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê/ ¬¸¸¨¸¢š¸ ¸Ÿ¸¸‚¸Ê œ¸£ ¤¡¸¸¸, ‰¸¿¢”÷¸ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ˆ»Åœ¸›¸ ™£/¸Ÿ¸¸ ™£ œ¸£ „œ¸¢¸÷¸
í¸½÷¸¸ í¾. ‚¦¬˜¸£ ™£ ¨¸¸¥¸ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê œ¸£ ¤¡¸¸¸ ¢›¸Š¸ÄŸ¸ ˆÅú ©¸÷¸¸½ô ˆ½Å ‚›¸º¬¸¸£ ¢›¸š¸¸Ä¢£÷¸ ™£¸Ê œ¸£ „œ¸¢¸÷¸ í¸½÷¸¸ í¾.
Interest on fixed coupon debt securities / fixed deposits, held as on the Balance Sheet date, is accrued for the broken
period at the coupon rate / deposit rate. Interest on floating rate securities is accrued at rates determined as per the terms
of the issue.

iii. ¢›¸¨¸½©¸¸Ê ˆÅú ¢¤¸ÇÅú œ¸£ ¥¸¸ž¸ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ¢›¸œ¸’¸›¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ í¸½÷¸¸ í¾. ¡¸í ‚¸Ä›¸ ¥¸¸Š¸÷¸ œ¸£ ¢¤¸ÇÅú / Ÿ¸¸½¸›¸ ‚¸¡¸ ˆÅ¸ ‚¸¢š¸Æ¡¸ ™©¸¸Ä÷¸¸ í¾. ¥¸¸Š¸÷¸ ˆÅ¸
¢›¸š¸¸Ä£µ¸ ž¸¸¢£÷¸ ‚¸¾¬¸÷¸ ‚¸š¸¸£ œ¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¢›¸¨¸½©¸¸Ê ˆÅú ¢¤¸ÇÅú œ¸£ ¥¸¸ž¸ ˆÅú Š¸µ¸›¸¸ ¢›¸¨¸½©¸¸Ê ˆÅú ¢¤¸ÇÅú œ¸£ íºƒÄ í¸¢›¸ ˆÅ¸½ ¬¸Ÿ¸¸¡¸¸½¢¸÷¸ ˆÅ£ ˆÅú ¸¸÷¸ú í¾.
Profit on Sale of Investments is recognized on the settlement date. It represents the excess of Sale / Redemption
proceeds over the acquisition cost. Cost is determined on a weighted average basis. Profit on sale of Investments is
netted with loss on sale of Investments.

iv. ˆ¿Åœ¸›¸ú ׸£¸ í¸Ÿ¸ú™¸£ú ¢™‡ Š¸‡ ¢›¸Š¸ÄŸ¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆ½Å ›¡¸¸Š¸Ÿ¸›¸ ˆÅ¸½ ¢›¸¨¸½©¸ Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾. ƒ›¸ ¢›¸Š¸ÄŸ¸¸Ê œ¸£ í¸Ÿ¸ú™¸£ú ‚¸¡¸ ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸
¥¸½‰¸½ Ÿ¸Ê ¸Ÿ¸¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ƒ›íÊ ¢›¸¨¸½©¸¸Ê ˆ½Å Ÿ¸»¥¡¸ Ÿ¸Ê ¬¸½ ¬¸Ÿ¸¸¡¸¸½¢¸÷¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸.
Devolvement of equity shares in respect of issues underwritten by the company are treated as investments. Underwriting
income on these issues are credited to profit and loss account and not netted against the value of investments.

dm{f©H$ [anmoQ>© Annual Report 2023-24 475

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

v. ¬¸½ˆ¿Å”£ú Ÿ¸¸ˆ½ÄÅ’ œ¸¢£¸¸¥¸›¸¸Ê ¬¸½ ‚¢¸Ä÷¸ ™¥¸¸¥¸ú ‚¸¾£ ˆÅŸ¸ú©¸›¸ ˆÅ¸½ ÇÅ¡¸-¢¨¸ÇÅ¡¸ ˆÅú ÷¸¸£ú‰¸¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‚¸Á›¸¥¸¸ƒ›¸ œ¸¸½’Ä¥¸
œ¸¢£¸¸¥¸›¸¸Ê œ¸£ ™¥¸¸¥¸ú ˆÅ¸½ ÇÅ¡¸-¢¨¸ÇÅ¡¸ ˆÅú ÷¸¸£ú‰¸¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¢›¸Š¸ÄŸ¸ ˆÅú Ÿ¸¸ˆ½ÄÅ¢’¿Š¸ ‚¸¾£ ¬¸¿¬¸¸š¸›¸ ¬¸¿ŠÏíµ¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ™¥¸¸¥¸ú
‚¸¾£ ˆÅŸ¸ú©¸›¸, ¬¸»¸›¸¸ ˆÅú „œ¸¥¸¤š¸÷¸¸ ˆÅú ¬¸úŸ¸¸ ÷¸ˆÅ „œ¸¢¸÷¸ í¸½÷¸¸ í¾.
Brokerage and commission earned on secondary market operations is recognized on the basis of trade dates. Brokerage
on online portal operations is recognized on the basis of trade dates. Brokerage and commission in respect of issue
marketing and resource mobilization are accrued to the extent of availability of information.

vi. Ÿ¸¸¢¸Ä›¸ ’ï½¢”¿Š¸ û¿Å¢”¿Š¸ †µ¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ŠÏ¸íˆÅ¸Ê ˆÅ¸½ œÏ™¸›¸ ¢ˆÅ‡ Š¸‡ †µ¸¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ¤¡¸¸¸ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ŠÏ¸íˆÅ¸Ê ¬¸½ ¤¸ˆÅ¸¡¸¸ £¸¢©¸ ‚¸¾£ œÏ¡¸¸½¡¸ ™£ œ¸£
¢¨¸¸¸£ ˆÅ£÷¸½ íº‡ ¬¸Ÿ¸¡¸ ‚›¸ºœ¸¸÷¸ ‚¸š¸¸£ œ¸£ ¢¨¸¥¸¿¢¤¸÷¸ ž¸ºŠ¸÷¸¸›¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Interest is recognised on delayed payments from customers on a time proportion basis in relation to the loans relating to
the Margin Trading Funding provided to customers taking into account the amount outstanding from customers and the
rates applicable.

vii. ¢”œ¸¸Á¢¸’£ú, œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ œÏ¤¸¿š¸›¸, ’¢Ÿ¸Ä›¸¥¸ ©¸º¥ˆÅ ‚¸¾£ ‚›¡¸ ©¸º¥ˆÅ¸Ê ˆÅ¸½ „œ¸¸¡¸ ‚¸š¸¸£ œ¸£ ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾.
Depository, Portfolio Management, terminal charges and other fees are accounted for on accrual basis.

viii. ¢›¸Š¸ÄŸ¸ œÏ¤¸¿š¸›¸, †µ¸ ¬¸Ÿ¸»í›¸ ÷¸˜¸¸ ¢¨¸î¸ú¡¸ ¬¸¥¸¸íˆÅ¸£ú ¬¸½¨¸¸‚¸Ê ¬¸½ œÏ¸œ÷¸ £¸¸¬¨¸ ˆÅú Š¸µ¸›¸¸ ŠÏ¸íˆÅ ˆ½Å ¬¸¸˜¸ ¢ˆÅ‡ Š¸‡ ˆÅ£¸£ ˆÅú ©¸÷¸¸½ô ˆ½Å ‚¸š¸¸£ œ¸£ ˆÅú ¸¸÷¸ú
í¾.
Revenue from issue management, loan syndication and financial advisory services is recognised as per terms of
agreement with the client.

ix. ¥¸¸ž¸¸¿©¸ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ÷¸¤¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ÷¸º¥¸›¸-œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ˆ¿Åœ¸›¸ú ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ œÏ¸œ÷¸ ˆÅ£›¸½ ˆÅ¸ ‚¢š¸ˆÅ¸£ ¬˜¸¸¢œ¸÷¸ í¸½ ¸¸÷¸¸ í¾.
Dividend is recognised when the company’s right to receive payment is established by the balance sheet date.

x. ¢ˆÅ£¸¡¸½ ˆÅú ‚¸¡¸ ˆÅ¸½ „œ¸¸¡¸ ‚¸š¸¸£ œ¸£ ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Rent income is recognized on accrual basis.

xi. £¸¸¬¨¸ Ÿ¸Ê ¬¸½¨¸¸ ˆÅ£/¸ú‡¬¸’ú, ¸í¸¿ ž¸ú ¨¸¬¸»¥¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾, ©¸¸¢Ÿ¸¥¸ ›¸íú¿ í¾.
Revenue excludes Service Tax/GST, wherever recovered.

ƒ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

C. In case of IDBI Asset Management Limited
i. ¢›¸¨¸½©¸ œÏ¤¸¿š¸›¸ ©¸º¥ˆÅ / Investment Management fees
¢›¸¨¸½©¸ œÏ¤¸¿š¸›¸ ©¸º¥ˆÅ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ Ÿ¡¸»¸º‚¥¸ û¿Å” ˆÅú ¡¸¸½¸›¸¸‚¸Ê ˆÅú ™¾¢›¸ˆÅ ‚¸¾¬¸÷¸ ¢›¸¨¸¥¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê „œ¸¸¡¸ ‚¸š¸¸£
œ¸£ ¸ú‡¬¸’ú ˆÅ¸½ ‹¸’¸ˆÅ£ ƒ¬¸ œÏˆÅ¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢ˆÅ ¡¸í ¡¸˜¸¸ ¬¸¿©¸¸½¢š¸÷¸ ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸ ‡¨¸¿ ¢¨¸¢›¸Ÿ¸¡¸ ¤¸¸½”Ä (`¬¸½¤¸ú') (Ÿ¡¸»¸º‚¥¸ û¿Å”) ¢¨¸¢›¸¡¸Ÿ¸›¸,
1996 (`¢¨¸¢›¸¡¸Ÿ¸›¸¸½¿') ׸£¸ ¢¨¸¢›¸¢™Ä«’ ™£¸Ê ¬¸½ ‚¢š¸ˆÅ ›¸ í¸½.
Investment Management fees are recognized net-off GST on an accrual basis as a percentage of the average daily net
assets of the schemes of IDBI Mutual funds, such that it does not exceed the rates prescribed by the Securities and
Exchange Board of India (‘SEBI’) (Mutual Fund) Regulations, 1996 (the ‘Regulations’) as amended.

ii. ‚›¡¸ ‚¸¡¸ / Other income

ˆÅ. ¤¡¸¸¸ ‚¸¡¸ ˆÅ¸½ ‚¨¸¢š¸ ‚›¸ºœ¸¸÷¸ ‚¸š¸¸£ œ¸£ ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾. ¤¡¸¸¸¡¸ºÆ÷¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê œ¸£ ¤¡¸¸¸ ˆ»Åœ¸›¸ ™£ œ¸£ „œ¸¢¸÷¸ í¸½÷¸¸ í¾. ‡½¬¸½
¢›¸¨¸½©¸¸Ê ˆÅú ‰¸£ú™ œ¸£, ‚¿¢÷¸Ÿ¸ ¤¡¸¸¸ ™½¡¸ í¸½›¸½ ˆÅú ÷¸¸£ú‰¸ ¬¸½ ‰¸£ú™ ˆÅú ÷¸¸£ú‰¸ ÷¸ˆÅ ˆÅú ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ¤¡¸¸¸ ˆ½Å ž¸ºŠ¸÷¸¸›¸ ˆÅ¸½ ‰¸£ú™ ˆÅú ¥¸¸Š¸÷¸
›¸íú¿ Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾ ¤¸¦¥ˆÅ ƒ¬¸½ ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ ¤¡¸¸¸ Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾. ƒ¬¸ú œÏˆÅ¸£ ¢¤¸ÇÅú ˆ½Å ¬¸Ÿ¸¡¸ ‚¿¢÷¸Ÿ¸ ¤¡¸¸¸ ™½¡¸ ÷¸¸£ú‰¸ ¬¸½ ¢¤¸ÇÅú ˆÅú ÷¸¸£ú‰¸ ÷¸ˆÅ
ˆÅú ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ œÏ¸œ÷¸ ¤¡¸¸¸ ˆÅ¸½ ¢¤¸ÇÅú Ÿ¸»¥¡¸ ˆÅ¸ ž¸¸Š¸ ›¸íú¿ Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾ ¤¸¦¥ˆÅ ƒ¬¸½ ¨¸¬¸»¥¸¸ Š¸¡¸¸ ¤¡¸¸¸ Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾.
a. Interest income is accounted for on period proportion basis. Interest on interest bearing securities is accrued on
the coupon rate. On purchase of such investments, interest paid for the period from the last interest due date up
to the date of purchase is not treated as a cost of purchase but is treated as interest recoverable. Similarly, interest
received at the time of sale for the period from the last interest due date up to the date of sale is not treated as
part of sale value but is treated as interest recovered.

‰¸. ‰¸£ú™ ¥¸¸Š¸÷¸ ¢›¸ˆÅ¸¥¸›¸½ ˆ½Å ¢¥¸‡ ûÅúûöŸ½ œ¸Ö¢÷¸ ˆÅ¸ œÏ¡¸¸½Š¸ ˆÅ£÷¸½ íº‡ ÇÅ¡¸-¢¨¸ÇÅ¡¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ¢›¸¨¸½©¸¸Ê ˆ½Å ¢¨¸ÇÅ¡¸ œ¸£ ¥¸¸ž¸/í¸¢›¸ ˆÅ¸ ¢›¸š¸¸Ä£µ¸
¥¸¸ž¸-í¸¢›¸ ¢¨¸¨¸£µ¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
b. The profit/loss on the sale of investments is recognized in the statement of Profit and Loss on the trade date using
the FIFO method for arriving at purchase cost.

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Š¸. ¥¸¸ž¸¸¿©¸ œÏ¸œ÷¸ ˆÅ£›¸½ ˆÅ¸ ‚¢š¸ˆÅ¸£ ¢¬¸Ö í¸½ ¸¸›¸½ œ¸£ ¥¸¸ž¸¸¿©¸ ‚¸¡¸ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
c. Dividend income is recognized when the right to receive dividend is established.

‹¸. ¬¸½¨¸¸ ©¸º¥ˆÅ ˆÅ¸½ ¬¸íŸ¸÷¸ ©¸÷¸¸½ô ˆ½Å ‚›¸º¬¸¸£ „œ¸¸¡¸ ‚¸š¸¸£ œ¸£ Š¸µ¸›¸¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾.
d. Service charges are accounted for on accrual basis as per the agreed terms.

ƒÄ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‡Ÿ¸‡ûÅ ’﬒ú ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸½¿

D. In case of IDBI MF Trustee Company Limited
i. ’﬒ú¢©¸œ¸ ©¸º¥ˆÅÀ ’﬒ú¢©¸œ¸ ©¸º¥ˆÅ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ Ÿ¡¸»¸º‚¥¸ û¿Å” ˆÅú ¡¸¸½¸›¸¸‚¸Ê ˆÅú ™¾¢›¸ˆÅ ‚¸¾¬¸÷¸ ¢›¸¨¸¥¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê
„œ¸¸¡¸ ‚¸š¸¸£ œ¸£ ƒ¬¸ œÏˆÅ¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢ˆÅ ¡¸í ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸ ‡¨¸¿ ¢¨¸¢›¸Ÿ¸¡¸ ¤¸¸½”Ä (`¬¸½¤¸ú') (Ÿ¡¸»¸º‚¥¸ û¿Å”) ¢¨¸¢›¸¡¸Ÿ¸›¸, 1996 (`¢¨¸¢›¸¡¸Ÿ¸›¸¸½¿')
÷¸˜¸¸ ‚›¡¸ ˆÅ¸½ƒÄ ¬¸¿©¸¸½š¸›¸ ‚˜¸¨¸¸ ¬¸¿¤¸¿¢š¸÷¸ ¡¸¸½¸›¸¸‚¸Ê ˆ½Å ‚¸ÁûÅ£ ”¸ÁÆ¡¸ºŸ¸Ê’ Ÿ¸Ê ¢¨¸¢›¸¢™Ä«’ ™£¸Ê ¬¸½ ‚¢š¸ˆÅ ›¸ í¸½›¸½ œ¸¸‡.
Trusteeship fees: Trusteeship fees is recognized on accrual basis as a percentage of the average daily net assets of the
schemes of IDBI Mutual funds, such that it does not exceed the rates prescribed by the Securities and Exchange Board
of India (‘SEBI’) (Mutual Fund) Regulations, 1996 (the ‘Regulations’) and any other amendments or offer document of the
respective schemes.

ii. ‚›¡¸ ‚¸¡¸À ¢›¸¨¸½©¸¸Ê ¬¸½ ‚¸¡¸ ˆÅ¸½ „œ¸¸¡¸ ‚¸š¸¸£ œ¸£ ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾. ¥¸¸ž¸¸¿©¸ œÏ¸œ÷¸ ˆÅ£›¸½ ˆÅ¸ ‚¢š¸ˆÅ¸£ ¢¬¸Ö í¸½ ¸¸›¸½ œ¸£ ¥¸¸ž¸¸¿©¸ ‚¸¡¸ ˆÅ¸
¢›¸š¸¸Ä£µ¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‰¸£ú™ ¥¸¸Š¸÷¸ ¢›¸ˆÅ¸¥¸›¸½ ˆ½Å ¢¥¸‡ ûÅúûöŸ½ œ¸Ö¢÷¸ ˆÅ¸ œÏ¡¸¸½Š¸ ˆÅ£÷¸½ íº‡ ÇÅ¡¸-¢¨¸ÇÅ¡¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ¢›¸¨¸½©¸¸Ê ˆ½Å ¢¨¸ÇÅ¡¸ œ¸£ ¥¸¸ž¸/í¸¢›¸
ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ¥¸¸ž¸-í¸¢›¸ ¢¨¸¨¸£µ¸ Ÿ¸Ê ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Other income: Income from Investments is accounted on accrual basis. Dividend income is recognized when the right to
receive dividend is established. Profit / loss on the sale of investments is recognized in the statement of Profit and Loss
on the trade date using the FIFO method for arriving at purchase cost.

„. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ƒ¿’½ˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

E. In case of IDBI Intech Limited
i. £¸¸¬¨¸ Ÿ¸º‰¡¸ ³Åœ¸ ¬¸½ ¬¸¸ÁÉ’¨¸½¡¸£ ¢¨¸ˆÅ¸¬¸ ‚¸¾£ ¬¸¿¤¸¿¢š¸÷¸ ¬¸½¨¸¸‚¸Ê ÷¸˜¸¸ ¬¸¸ÁÉ’¨¸½¡¸£ „÷œ¸¸™¸Ê ˆ½Å ¥¸¸ƒ¬¸Ê¬¸ ¬¸½ œÏ¸œ÷¸ í¸½÷¸¸ í¾. ˆ¿Åœ¸›¸ú ˆÅ¸Á¥¸ ¬¸Ê’£ ¬¸½¨¸¸‚¸Ê ¬¸½ ž¸ú
£¸¸¬¨¸ ‚¢¸Ä÷¸ ˆÅ£÷¸ú í¾.
Revenue is primarily derived from software development and related services and from the licensing of the software
products. The Company also generates revenue from call center services.
ii. ¬¸¸ÁÉ’¨¸½¡¸£ ¢¨¸ˆÅ¸¬¸ ‚¸¾£ ¬¸¿¤¸¿¢š¸÷¸ ¬¸½¨¸¸‚¸Ê ˆ½Å ¢¥¸‡ ŠÏ¸íˆÅ¸Ê ˆ½Å ¬¸¸˜¸ ¨¡¸¨¸¬˜¸¸ ¡¸¸ ÷¸¸½ ‡ˆÅ ¢›¸¢©¸÷¸ Ÿ¸»¥¡¸ œ¸£, ¡¸¸ ¢›¸¢©¸÷¸ ¬¸Ÿ¸¡¸ ¬¸úŸ¸¸ ¡¸¸ ¬¸Ÿ¸¡¸ ‚¸¾£ ¬¸¸Ÿ¸ŠÏú
ˆ½Å ‚¸š¸¸£ œ¸£ í¸½÷¸ú í¾.
Arrangement with customers for software development and related services are either on a fixed price, fixed-timeframe
or on a time-and-material basis.
iii. ¬¸Ÿ¸¡¸ ‚¸¾£ ¬¸¸Ÿ¸ŠÏú ¬¸¿¢¨¸™¸‚¸Ê œ¸£ £¸¸¬¨¸ ÷¸ž¸ú ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ¬¸¿¤¸¿¢š¸÷¸ ¬¸½¨¸¸‚¸Ê ˆÅ¸½ ¢›¸«œ¸¸¢™÷¸ ˆÅ£ ¢™¡¸¸ ¸¸÷¸¸ í¾.
Revenues on time and material contracts are recognised when the related services are performed.
iv. ¢›¸¢©¸÷¸ Ÿ¸»¥¡¸ ‚¸¾£ ¢›¸¢©¸÷¸ ¬¸Ÿ¸¡¸¤¸Ö ¬¸¿¢¨¸™¸‚¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê, ¸í¸¿ Ÿ¸¸œ¸ ¡¸¸ œÏ¢÷¸ûÅ¥¸ ˆÅú ¬¸¸Ÿ¸»¢íˆÅ÷¸¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê ˆÅ¸½ƒÄ ‚¢›¸¢©¸÷¸÷¸¸ ›¸íú¿ í¾, ¨¸í¸Â
ƒ›íÊ ¬¸¿¢¨¸™¸ ˆ½Å Ÿ¸»¥¡¸ ‚¸¾£ ¬¸½¨¸¸ œ¸»£ú í¸½›¸½ ˆÅú œ¸»µ¸Ä÷¸¸ œ¸Ö¢÷¸ ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å ‚¸š¸¸£ œ¸£ ¢›¸ˆÅ¸¥¸¸ ¸¸÷¸¸ í¾. ¸¤¸ Ÿ¸¸œ¸ ¡¸¸ ‚¿¢÷¸Ÿ¸ ¬¸¸Ÿ¸»¢íˆÅ÷¸¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê
‚¢›¸¢©¸÷¸÷¸¸ í¸½÷¸ú í¾, ¨¸í¸Â ‡½¬¸ú ‚¢›¸¢©¸÷¸÷¸¸ ˆÅ¸ ¬¸Ÿ¸¸š¸¸›¸ í¸½›¸½ ÷¸ˆÅ £¸¸¬¨¸ ‚¸ˆÅ¥¸›¸ ¬˜¸¢Š¸÷¸ ˆÅ£ ¢™¡¸¸ ¸¸÷¸¸ í¾.
In case of fixed price and fixed time framed contracts, where there is no uncertainty as to measurement or collectivity
of consideration, are recognized using percentages of completion method of value of the contract and completed
service. When there is uncertainty to the measurement or ultimate collectivity, revenue recognition is postpone until such
uncertainty is resolved.
v. ¬¸¸ÁÉ’¨¸½¡¸£ ‡¦œ¥¸ˆ½Å©¸›¸ ‚¸¾£ „÷œ¸¸™¸Ê ˆÅú ¢¤¸ÇÅú ¬¸½ œÏ¸œ÷¸ £¸¸¬¨¸ ˆÅ¸½ Ÿ¸¸¥¸ ˆÅú ¬¸¿œ¸¢î¸ ˆ½Å í¬÷¸¸¿÷¸£µ¸ ‚˜¸¨¸¸ œÏŸ¸º‰¸ ¥¸®¡¸ ˆÅú œÏ¸¦œ÷¸ œ¸£ ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸
í¾.
Revenue from sale of software applications and products are recognized on transfer of property of goods or on
achievement of milestone..
vi. ¨¸¸¢«¸ÄˆÅ ÷¸ˆÅ›¸úˆÅú ¬¸½¨¸¸‚¸Ê (‡’ú‡¬¸) ¬¸½ œÏ¸œ÷¸ £¸¸¬¨¸ ˆÅ¸½ „¬¸ ‚¨¸¢š¸ ˆ½Å ‚›¸ºœ¸¸÷¸ Ÿ¸Ê Ÿ¸¸›¡¸÷¸¸ ™ú ¸¸÷¸ú í¾ ¢¸¬¸Ÿ¸Ê ¬¸½¨¸¸‡¿ œÏ™¸›¸ ˆÅú ¸¸÷¸ú íÿ.
Revenue from Annual Technical Services (ATS) are recognized proportionately over the period in which services are
rendered.
vii. ŠÏ¸íˆÅ œÏ¢©¸®¸µ¸, ¬¸¸ÁÉö’¨¸½¡¸£ „÷œ¸¸™¸Ê ˆÅú ¢¤¸ÇÅú ˆ½Å ˆÅ¸£µ¸ „÷œ¸››¸ í¸½›¸½ ¨¸¸¥¸ú ¬¸í¸¡¸÷¸¸ ‚¸¾£ ‚›¡¸ ¬¸½¨¸¸‚¸Ê ¬¸½ œÏ¸œ÷¸ £¸¸¬¨¸ ˆÅ¸½ ¬¸¿¤¸¿¢š¸÷¸ ¬¸½¨¸¸‚¸Ê ˆ½Å ¢›¸«œ¸¸™›¸
í¸½›¸½ œ¸£ Ÿ¸¸›¡¸÷¸¸ ™ú ¸¸÷¸ú í¾.

dm{f©H$ [anmoQ>© Annual Report 2023-24 477

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

Revenue from client training, support and other services arising due to the sale of software products is recognised as the
related services are performed.
viii. ‚œ¸»µ¸Ä ¬¸¿¢¨¸™¸‚¸Ê ¬¸½ ‚›¸ºŸ¸¸¢›¸÷¸ ›¸ºˆÅ¬¸¸›¸, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆÅ¸ œÏ¸¨¸š¸¸›¸ „¬¸ ‚¨¸¢š¸ Ÿ¸Ê ™¸Ä ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢¸¬¸Ÿ¸Ê ¨¸÷¸ÄŸ¸¸›¸ ‚›¸ºŸ¸¸›¸ ˆ½Å ‚¸š¸¸£ œ¸£ ‡½¬¸½ ›¸ºˆÅ¬¸¸›¸
¬¸¿ž¸¸¢¨¸÷¸ í¸½÷¸½ íÿ.
Provision for estimated losses, if any, from the incomplete contracts are recorded in the period in which such losses
become probable based on the current estimate.
ix. œ¸»µ¸Ä ¢ˆÅ‡ Š¸‡ ˆÅ¸¡¸Ä ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å ¬¸¿¢¨¸™¸ Ÿ¸»¥¡¸ Ÿ¸Ê ¢ˆÅ¬¸ú ž¸ú ¬¸¿©¸¸½š¸›¸ ˆÅ¸ œÏž¸¸¨¸ „¬¸ ¨¸«¸Ä Ÿ¸Ê œ¸¢£¥¸¢®¸÷¸ í¸½÷¸¸ í¾ ¢¸¬¸Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ ±¸¸÷¸ í¸½÷¸¸ í¾. ¢›¸«œ¸¸¢™÷¸
¬¸½¨¸¸‚¸Ê ˆ½Å ‚¢ŠÏŸ¸ Ÿ¸Ê œÏ¸œ÷¸ ¡¸¸ ¢¤¸¥¸ ˆÅú Š¸ƒÄ £¸¢©¸ ˆÅ¸½ ‚›¸¢¸Ä÷¸ £¸¸¬¨¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™¸Ä ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‚›¡¸ ¸¸¥¸» ‚¸¦¬÷¸¡¸¸Ê Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ¢¤¸¥¸ ›¸ ˆÅú Š¸ƒÄ
¬¸½¨¸¸‡¿ ¬¸¿¢¨¸™¸ ˆÅú ©¸÷¸¸½ô ˆ½Å ‚›¸º¬¸¸£ ¢¤¸¢¥¸¿Š¸ ¬¸½ œ¸í¥¸½ ˆÅú Š¸ƒÄ ¬¸½¨¸¸‚¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ Ÿ¸¸›¸ú ¸¸÷¸ú íÿ. £¸¸¬¨¸ ˆÅ¸½ Ž»’/œÏ¸½÷¬¸¸í›¸ ‹¸’¸›¸½ ˆ½Å ¤¸¸™ ¢£œ¸¸½’Ä ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾.
The impact of any revision in contract value of the percentage of work completed is reflected in the year in which the
change becomes known. Amount received or billed in advance of services performed are recorded as unearned revenue.
Unbilled services included in other current assets represents amount recognized based on services performed in advance
of billing in accordance with contract terms. Revenue is reported net of discount / incentive.

x. ˆÅ¸Á¥¸ ¬¸Ê’£ ¬¸½ œÏ¸œ÷¸ £¸¸¬¨¸ ƒˆÅ¸ƒÄ ˆÅúŸ¸÷¸ ¨¸¸¥¸ú ¬¸¿¢¨¸™¸‚¸Ê, ¬¸Ÿ¸¡¸ ‚¸š¸¸¢£÷¸ ¬¸¿¢¨¸™¸‚¸Ê, ¥¸¸Š¸÷¸ ‚¸š¸¸¢£÷¸ ¬¸¿¢¨¸™¸‚¸Ê ‚¸¾£ ¨¸¸›¸¤¸Ö ¬¸½¨¸¸‚¸Ê ¬¸½ œÏ¸œ÷¸ í¸½÷¸ú
í¾. ‡½¬¸½ £¸¸¬¨¸ ˆÅ¸½ ¬¸¿¤¸¿¢š¸÷¸ ¬¸½¨¸¸‚¸Ê ˆÅú œ¸»¢÷¸Ä œ¸£ ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ƒ¬¸½ ŠÏ¸íˆÅ ˆ½Å ¬¸¸˜¸ íºƒÄ ¬¸¿¢¨¸™¸ ˆÅú ¢›¸š¸¸Ä¢£÷¸ ©¸÷¸¸½ô ˆ½Å ‚›¸º¬¸¸£ ¢¤¸¥¸ Ÿ¸Ê
©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Revenue from call centre arises from unit priced contracts, time based contracts, cost based projects and engagement
services. Such revenue is recognised on completion of the related services and is billed in accordance with the specific
terms of the contract with the client.
xi. ¤¡¸¸¸ ‚¸¡¸ ˆÅ¸½ ¬¸Ÿ¸¡¸ ‚¸›¸ºœ¸¸¢÷¸ˆÅ ‚¸š¸¸£ œ¸£ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
Interest Income is recognised on time proportion basis.

…. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’﬒ú¢©¸œ¸ ¬¸¢¨¸Ä¬¸½{¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

F. In case of IDBI Trusteeship Services Limited
i. ˆ¿Åœ¸›¸ú ‚œ¸›¸¸ £¸¸¬¨¸ ¬¨¸úˆ¼Å¢÷¸ ©¸º¥ˆÅ¸Ê, ¬¸½¨¸¸ œÏž¸¸£¸Ê, ™¬÷¸¸¨¸½¸úˆÅ£µ¸ œÏž¸¸£¸Ê, ¥¸¸ÁˆÅ£ ˆ½Å ¢ˆÅ£¸‡ ‚¸¾£ ¤¸ÿˆÅ ¬¸¸¨¸¢š¸ ¸Ÿ¸¸£¸¢©¸¡¸¸Ê ‡¨¸¿ Ÿ¡¸»¸º‚¥¸ û¿Å”¸Ê Ÿ¸Ê
¢›¸¨¸½©¸ ¬¸½ ‚¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê œÏ¸œ÷¸ ˆÅ£÷¸ú í¾ ¢¸›¸ˆÅú Š¸µ¸›¸¸ „œ¸¸¡¸ ‚¸š¸¸£ œ¸£ ˆÅú ¸¸÷¸ú í¾.
The company derives its revenue from Acceptance Fees, Service Charges, Documentation Charges, Locker Rentals and
Income from investments in Bank Fixed Deposit and Mutual Funds, which are accounted for on accrual basis.

ii. ¡¸¢™ ¤¸ˆÅ¸¡¸¸ ™½¡¸ £¸¢©¸¡¸¸¿ ‚Š¸¥¸½ ™¸½ ¢¨¸î¸ú¡¸ ¨¸«¸¸½ô ˆÅú ¬¸Ÿ¸¸¦œ÷¸ ÷¸ˆÅ ¨¸¬¸»¥¸ ›¸íú¿ ˆÅú ¸¸÷¸ú íÿ, ÷¸¸½ ¬¸Ÿ¸›¸º™½©¸›¸¸Ê ˆÅ¸½ ‚¢›¸¡¸¢Ÿ¸÷¸ ¬¸Ÿ¸›¸º™½©¸›¸¸½¿ ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸
¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ƒ¬¸ œÏˆÅ¸£ ˆ½Å ‚¢›¸¡¸¢Ÿ¸÷¸ ¬¸Ÿ¸›¸º™½©¸›¸¸Ê ¬¸½ ‚¸¡¸ ˆÅ¸½ œÏ¸¦œ÷¸ ˆ½Å ¨¸«¸Ä Ÿ¸Ê íú Š¸µ¸›¸¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾. ‡½¬¸½ ‚¢›¸¡¸¢Ÿ¸÷¸ ¬¸Ÿ¸›¸º™½©¸›¸¸Ê ˆ½Å œÏ¢÷¸ ¢œ¸Ž¥¸½
¨¸«¸Ä / ¨¸«¸¸½ô Ÿ¸Ê ¤¸ˆÅ¸¡¸¸ ¢ˆÅ¬¸ú ž¸ú £¸¢©¸ ˆÅ¸½ ‡½¬¸½ ¢›¸š¸¸Ä£µ¸ ¨¸«¸Ä Ÿ¸Ê ‚©¸¸½š¡¸ †µ¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¤¸’Ã’½ ‰¸¸÷¸½ Ÿ¸Ê ”¸¥¸ ¢™¡¸¸ ¸¸÷¸¸ í¾.
Assignments are to be classified as irregular assignments if any outstanding dues are not recovered till the end of next
two financial years. Income in respect of such irregular assignments is accounted for in the year of receipt. Any previous
year/s amounts outstanding against such irregular assignments are written off as bad debt in year of such determination.

iii. ¸¤¸ ‚¿¢÷¸Ÿ¸ ¨¸¬¸»¥¸ú ‚¢›¸¢©¸÷¸ í¸½, ÷¸¸½ ‚›¡¸ †µ¸¸Ê ˆÅ¸½ ‚©¸¸½š¡¸ ¨¸ ¤¸’Ã’½ ‰¸¸÷¸½ ”¸¥¸¸ Š¸¡¸¸ ¬¸Ÿ¸¸¸ ¸¸÷¸¸ í¾
Other Debts are considered as bad and written off when ultimate realisation is uncertain.

iv. ¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê ‚©¸¸½š¡¸ †µ¸ œÏ¸¨¸š¸¸›¸ ˆÅú Š¸µ¸›¸¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ ÷¸¤¸ ˆÅú ¸¸÷¸ú í¾ ¸¤¸ ¡¸í ¢›¸¢ä¸÷¸ í¸½ ¸¸‡ ¢ˆÅ ¤¸ˆÅ¸¡¸¸ £¸¢©¸ ˆÅú ¨¸¬¸»¥¸ú ¬¸¿¢™Šš¸ í¾À
A bad debt provision is recognized at the year-end where it is ascertain that the outstanding dues are doubtful of recovery
as under:

ˆÅ. 18 Ÿ¸¸í ¬¸½ ‚¢š¸ˆÅ ˆ½Å ™½›¸™¸£ - 75%

a. Debtors over 18 months – 75%

‰¸. ¸í¸¿ ¨¸¬¸»¥¸ú ˆÅú ¬¸¿ž¸¸¨¸›¸¸ ›¸Š¸µ¡¸ í¸½ ¨¸í¸Â Ÿ¸¸Ÿ¸¥¸¸-™£-Ÿ¸¸Ÿ¸¥¸¸ ‚¸š¸¸£ œ¸£ ‚¢÷¸¢£Æ÷¸ œÏ¸¨¸š¸¸›¸ - 100%
b. Additional provision on case to case basis where chances of recovery is negligible - 100%

v. ¢›¸¨¸½©¸ œ¸£ ¤¡¸¸¸ ‚¸¡¸ ˆÅ¸½ ¤¸ˆÅ¸¡¸¸ £¸¢©¸ ÷¸˜¸¸ ¥¸¸Š¸» ¤¡¸¸¸ ™£ ˆÅ¸½ ¢í¬¸¸¤¸ Ÿ¸Ê ¥¸½÷¸½ íº‡ ¬¸Ÿ¸¡¸¸›¸ºœ¸¸¢÷¸ˆÅ ‚¸š¸¸£ œ¸£ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾. ƒ¬¸½ ‚›¡¸ ‚¸¡¸ Ÿ¸Ê
©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Interest income on investment recognized on a time proportion basis taking into account amount outstanding and the
applicable interest rate. It is included in other income.

478 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

5 ‚¢ŠÏŸ¸ ‚¸¾£ œÏ¸¨¸š¸¸›¸À / Advances and Provisions

i. ‚¢ŠÏŸ¸¸Ê ˆÅ¸½ Ÿ¸¸›¸ˆÅ, ‚¨¸Ÿ¸¸›¸ˆÅ, ¬¸¿¢™Šš¸ ÷¸˜¸¸ í¸¢›¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ÷¸˜¸¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ¢›¸š¸¸Ä¢£÷¸ ¢¨¸¨¸½ˆÅœ¸»µ¸Ä Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚›¸º¬¸¸£
œÏ¸¨¸š¸¸›¸ ¢ˆÅ‡ ¸¸÷¸½ íÿ. ‚¢ŠÏŸ¸¸Ê ˆÅ¸½ ‚›¸¸ÄˆÅ ‚¢ŠÏŸ¸¸Ê ˆ½Å ¢¥¸‡ ¢ˆÅ‡ Š¸‡ œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸½ ‹¸’¸ˆÅ£ ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾. ¢¨¸™½©¸ú ©¸¸‰¸¸‚¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê, †µ¸¸Ê ‚¸¾£ ‚¢ŠÏŸ¸¸Ê
ˆÅ¸ ¨¸Š¸úĈţµ¸ ÷¸˜¸¸ ‡›¸œ¸ú‡ ˆ½Å œÏ¸¨¸š¸¸›¸ ¬˜¸¸›¸ú¡¸ ¢›¸¡¸Ÿ¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¡¸¸ ‚¸£¤¸ú‚¸ƒÄ ˆ½Å Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚›¸º¬¸¸£, ¸¸½ ž¸ú ‚¢š¸ˆÅ ¢¨¸¨¸½ˆÅœ¸»µ¸Ä í¸½, ˆ½Å ‚›¸º¬¸¸£ ¢ˆÅ‡ ¸¸÷¸½
íÿ.
Advances are classified into Standard, Sub-standard, Doubtful and Loss assets and provisions are made in accordance with the
prudential norms prescribed by the RBI. Advances are stated net of provisions towards non-performing advances. In respect of
foreign branches, the classification of loans and advances and provisions for NPAs are made as per the local regulations or as
per the norms of the RBI, whichever is more prudent.

ii. ¢¸›¸ ‚¢ŠÏŸ¸¸½¿ ˆ½Å ¢¥¸‡ Ÿ¸»÷¸Ä œÏ¢÷¸ž¸»¢÷¸(¤¸íú †µ¸ ¬¸¢í÷¸) ˆÅ¸½ ¢¨¸¢›¸¢™Ä«’ ˆÅú ¸¸÷¸ú í¾, „›í½¿ `Ÿ¸»÷¸Ä ‚¸¦¬÷¸¡¸¸Ê ׸£¸ œÏ¢÷¸ž¸»÷¸' ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¸í¸¿ ‡½¬¸ú
œÏ¢÷¸ž¸»¢÷¸ ¢¨¸¢›¸¢™Ä«’ ›¸íú¿ í¾, ‚¢ŠÏŸ¸¸Ê ˆÅ¸½ `œÏ¢÷¸ž¸»¢÷¸ £¢í÷¸' ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‡¬ÇŸ½, Š¸¸£¿’ú, ¸ºˆÅ¸¾÷¸ú ‚¸æ¸¸¬¸›¸ œ¸°¸, ¤Ï¸¿” œ¸£ œÏž¸¸£, ¥¸¸ƒ¬¸Ê¬¸, œ¸½’Ê’,
ˆÅ¸Áœ¸ú£¸ƒ’ ‚¸¢™ ˆ½Å ³Åœ¸ Ÿ¸Ê œÏ¢÷¸ž¸»¢÷¸ ˆÅ¸½ `Ÿ¸»÷¸Ä' ›¸íú¿ Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾.
Advances wherein a tangible security (including book debts) is stipulated are classified as ‘Secured by Tangible Assets’. Where
such security is not stipulated, advances are classified as ‘Unsecured’. Any Security in the nature of escrow, guarantee, comfort
letter, charge on brand, license, patent, copyright etc. are not considered as Tangible.

iii. ¤¸ÿˆÅ ‡ˆÅ œ¸º›¸¬¸ô£¢¸÷¸ ‰¸¸÷¸½ ˆÅ¸½ ‡ˆÅ ‡½¬¸¸ ‰¸¸÷¸¸ Ÿ¸¸›¸÷¸¸ í¾, ¸í¸¿ ¤¸ÿˆÅ, „š¸¸£ˆÅ÷¸¸Ä ˆÅú ¢¨¸î¸ú¡¸ ˆÅ¢“›¸¸ƒÄ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ‚¸¢˜¸ÄˆÅ ¡¸¸ ¢¨¸¢š¸ˆÅ ˆÅ¸£µ¸¸Ê ¬¸½, „š¸¸£ˆÅ÷¸¸Ä ˆÅ¸½ ‡½¬¸ú
¢£¡¸¸¡¸÷¸Ê ™½÷¸¸ í¾, ¢¸›¸ œ¸£ ¤¸ÿˆÅ ‚›¡¸˜¸¸ ¢¨¸¸¸£ ›¸íú¿ ˆÅ£÷¸¸. œ¸º›¸¬¸ô£¢¸÷¸ Ÿ¸Ê ‚¸Ÿ¸ ÷¸¸¾£ œ¸£ ‚¢ŠÏŸ¸/œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅú ©¸÷¸¸½ô Ÿ¸Ê ¬¸¿©¸¸½š¸›¸ ©¸¸¢Ÿ¸¥¸ í¸½÷¸¸ í¾, ¢¸¬¸Ÿ¸Ê ‚¸Ÿ¸
÷¸¸¾£ œ¸£ ‚›¡¸ ˆ½Å ¬¸¸˜¸-¬¸¸˜¸, ¸ºˆÅ¸¾÷¸ú ‚¨¸¢š¸ / ¸ºˆÅ¸¾÷¸ú £¸¢©¸ / ¢ˆÅ¬÷¸¸Ê ˆÅú £¸¢©¸ / ¤¡¸¸¸ ™£ Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ ©¸¸¢Ÿ¸¥¸ í¸½÷¸¸ í¾ (œÏ¢÷¸¬œ¸š¸úÄ ˆÅ¸£µ¸¸Ê ˆ½Å ‚¥¸¸¨¸¸ ‚›¡¸
ˆÅ¸£µ¸¸Ê ¬¸½). œ¸º›¸¬¸ô£¸›¸¸ ˆ½Å ‚›¸ºŸ¸¸½™›¸ ‚¸¾£ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ œ¸£ íú ¤¸ÿˆÅ ׸£¸ œ¸º›¸¬¸ô£¢¸÷¸ ‰¸¸÷¸¸Ê ˆÅ¸½ ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
The Bank considers a restructured account as one where the Bank, for economic or legal reasons relating to the borrower’s
financial difficulty, grants to the borrower concessions that the Bank would not otherwise consider. Restructuring would normally
involve modification of terms of the advance / securities, which would generally include, among others, alteration of repayment
period / repayable amount / the amount of instalments / rate of interest (due to reasons other than competitive reasons).
Restructured accounts are classified as such by the Bank only upon approval and implementation of the restructuring package.

iv. ‡›¸œ¸ú‡ ˆ½Å ¢¥¸‡ œÏ¤¸¿š¸›¸ ׸£¸ ¢›¸š¸¸Ä¢£÷¸ ™£¸Ê ˆ½Å ‚›¸º¬¸¸£ œÏ¸¨¸š¸¸›¸ ¢ˆÅ‡ ¸¸÷¸½ íÿ ¸¸½ ‚¸£¤¸ú‚¸ƒÄ ׸£¸ ¢›¸š¸¸Ä¢£÷¸ ›¡¸»›¸÷¸Ÿ¸ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ œÏ¸¨¸š¸¸›¸¸Ê ¬¸½ ‚¢š¸ˆÅ í¸½÷¸ú íÿ.
Provisions are made for NPAs as per the rates determined by the management which are higher than the minimum regulatory
provisions stipulated by the RBI.

v. ¢¨¸¢©¸«’ Ÿ¸¸Ÿ¸¥¸¸Ê/œ¸¢£¦¬˜¸¢÷¸¡¸¸Ê Ÿ¸Ê œÏ¤¸¿š¸›¸ ׸£¸ ‡›¸œ¸ú‡ œ¸£ ‚¢÷¸¢£Æ÷¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ‡ ¸¸÷¸½ íÿ.
Additional provisions on NPAs are made by the management in specific cases/circumstances.

vi. Ÿ¸¸›¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¢¥¸‡ ž¸ú ¬¸¸Ÿ¸¸›¡¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸½ ¸¸÷¸½ íÿ. ¡¸½ œÏ¸¨¸š¸¸›¸ ÷¸º¥¸›¸œ¸°¸ ˆÅú ‚›¸º¬¸»¸ú 5 Ÿ¸Ê "‚›¡¸ ™½¡¸÷¸¸‡¿ ‚¸¾£ œÏ¸¨¸š¸¸›¸ - ‚›¡¸" ©¸ú«¸Ä ˆ½Å ÷¸í÷¸
œ¸¢£¥¸¢®¸÷¸ í¸½÷¸½ íÿ ‚¸¾£ ¢›¸¨¸¥¸ ‡›¸œ¸ú‡ ¢›¸š¸¸Ä¢£÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ƒ¬¸ œ¸£ ¢¨¸¸¸£ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
General provisions are also made for standard assets. These provisions are reflected in Schedule 5 of the Balance Sheet under
the head “Other Liabilities & Provisions – Others” and are not considered for arriving at the Net NPAs.

vii. ¤¸ÿˆÅ ¢¸¦›í÷¸ ™¤¸¸¨¸ŠÏ¬÷¸ ®¸½°¸¸Ê ˆÅú Ÿ¸¸›¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê œ¸£ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ›¡¸»›¸÷¸Ÿ¸ œÏ¸¨¸š¸¸›¸ ¬¸½ ‚¢š¸ˆÅ ™£¸Ê œ¸£ ¸¸½¢‰¸Ÿ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ‚¸š¸¸£ œ¸£ ™¤¸¸¨¸ŠÏ¬÷¸ ®¸½°¸¸Ê ˆ½Å ¢¥¸‡
‚¢÷¸¢£Æ÷¸ œÏ¸¨¸š¸¸›¸ ž¸ú ˆÅ£ £í¸ í¾.
Bank is also making additional provisions on stressed sectors based on risk assessment at rates higher than the regulatory
minimum provision on standard assets of identified stressed sectors

viii. ™¤¸¸¨¸ŠÏ¬÷¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¬¸Ÿ¸¸š¸¸›¸ ˆ½Å ¢¥¸‡ ¢¨¸¨¸½ˆÅœ¸»µ¸Ä ¸¿¸½ ‚¸¾£ ˆÅ¸½¢¨¸”-19 ¬¸½ ¬¸¿¤¸Ö ™¤¸¸¨¸ ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸š¸¸›¸ ¸¿¸¸Ê ˆ½Å ¤¸¸£½ Ÿ¸Ê ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ‚¸¾£
¤¸¸½”Ä ×¸£¸ ‚›¸ºŸ¸¸½¢™÷¸ ›¸ú¢÷¸ ˆ½Å ‚›¸º¬¸¸£ ¤¸ÿˆÅ ›¸½ œ¸¸°¸ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸š¸¸›¸ ¡¸¸½¸›¸¸‡¿ ˆÅ¸¡¸¸Ä¦›¨¸÷¸ ˆÅú íÿ. ‚¸¦¬÷¸ ¨¸Š¸úĈţµ¸ ‚¸¾£ „›¸ˆ½Å ¢¥¸‡ ‚¸¨¸©¡¸ˆÅ
œÏ¸¨¸š¸¸›¸úˆÅ£µ¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å „œ¸¡¸ºÄÆ÷¸ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
In accordance with the RBI guidelines on the prudential framework for resolution of stressed assets and the resolution frameworks
for COVID-19 related stress and its Board approved policy, the Bank has implemented resolution plans for eligible borrowers.
The asset classification and necessary provisioning thereon has been carried out in accordance with the said RBI guidelines.

ix. ‚¬¸í¡¸¸½Š¸ú ‚¸¾£ ƒ£¸™÷¸›¸ ¸»ˆÅˆÅ÷¸¸Ä‚¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆ½Å ¨¸Š¸úĈţµ¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å Ÿ¸¸¾¸»™¸ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¤¸ÿˆÅ ÷¨¸¢£÷¸ œÏ¸¨¸š¸¸›¸ ˆÅ£÷¸¸
í¾. š¸¸½‰¸¸š¸”õú ˆ½Å ³Åœ¸ Ÿ¸Ê ¢£œ¸¸½’Ä ¢ˆÅ¡¸½ Š¸¡¸½ †µ¸¸Ê ˆÅ¸½ í¸¢›¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ œÏ¢÷¸ž¸»¢÷¸ ˆ½Å Ÿ¸»¥¡¸ œ¸£ ¢¨¸¸¸£ ¢ˆÅ¡¸½ ¢¤¸›¸¸ ÷¸÷ˆÅ¸¥¸ œ¸»µ¸Ä
œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
In respect of borrowers classified as non-cooperative and wilful defaulters, the Bank makes accelerated provisions as per extant
RBI guidelines. Loans reported as fraud are classified as loss assets, and fully provided immediately without considering the
value of security.

dm{f©H$ [anmoQ>© Annual Report 2023-24 479

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

™½©¸ ¬¸¿¤¸¿š¸ú ¸¸½¢‰¸Ÿ¸ ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ / Provision for Country Exposure
x. ‚¸¦¬÷¸ ¨¸Š¸úĈţµ¸ ¦¬˜¸¢÷¸ ˆ½Å ‚›¸º¬¸¸£ š¸¸¢£÷¸ ¢¨¸¢©¸«’ œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚¢÷¸¢£Æ÷¸, ‚¥¸Š¸-‚¥¸Š¸ ™½©¸¸Ê (Š¸¼í ™½©¸ ˆ½Å ‚¥¸¸¨¸¸) ˆ½Å ‡Æ¬¸œ¸¸½¸£ ˆ½Å ¢¥¸‡ ž¸ú œÏ¸¨¸š¸¸›¸
¢ˆÅ‡ ¸¸÷¸½ íÿ. ™½©¸¸Ê ˆÅ¸½ ¬¸¸÷¸ ¸¸½¢‰¸Ÿ¸ ª½¢µ¸¡¸¸Ê Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾, ‚˜¸¸Ä÷¸Ã Ÿ¸í÷¨¸íú›¸, ¢›¸Ÿ›¸, Ÿ¸š¡¸Ÿ¸, „¸, ¤¸íº÷¸ „¸, œÏ¢÷¸¤¸¿¢š¸÷¸ ‚¸¾£ ‚¸ÁûÅ-ǽŢ”’ ÷¸˜¸¸
œÏ¸¨¸š¸¸›¸ ‚¸£¤¸ú‚¸ƒÄ ˆ½Å Ÿ¸¸¾¸»™¸ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¡¸¢™ œÏ÷¡¸½ˆÅ ™½©¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¤¸ÿˆÅ ˆÅ¸ ˆ¿Å’ïú ‡Æ¬¸œ¸¸½¸£ (¢›¸¨¸¥¸) ˆºÅ¥¸ ¢›¸¢š¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê
ˆ½Å 1% ¬¸½ ‚¢š¸ˆÅ ›¸íú¿ í¾, ÷¸¸½ ‡½¬¸½ ˆ¿Å’ïú ‡Æ¬¸œ¸¸½¸£ œ¸£ ˆÅ¸½ƒÄ œÏ¸¨¸š¸¸›¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ÷¸˜¸¸¢œ¸ ¡¸í œÏ¸¨¸š¸¸›¸ ÷¸º¥¸›¸-œ¸°¸ ˆÅú ‚›¸º¬¸»¸ú 5 Ÿ¸Ê "‚›¡¸ ™½¡¸÷¸¸‡¿ ‚¸¾£
œÏ¸¨¸š¸¸›¸ - ‚›¡¸" ©¸ú«¸Ä ˆ½Å ÷¸í÷¸ œ¸¢£¥¸¢®¸÷¸ í¸½÷¸¸ í¾.
In addition to the specific provisions held according to the asset classification status, provisions are also made for individual
country exposures (other than the home country). Countries are categorized into seven risk categories, namely, insignificant, low,
moderate, high, very high, restricted and off-credit and provisioning is made as per extant RBI guidelines. If the country exposure
(net) of the Bank in respect of each country does not exceed 1% of the total funded assets, no provision is maintained on such
country exposures. However, the provision is reflected in Schedule 5 of the Balance Sheet under the head “Other Liabilities &
Provisions – Others”

‚£¢®¸÷¸ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ‡Æ¬¸œ¸¸½¸£ / Unhedged Foreign Currency Exposure

xi. ¤¸ÿˆÅ °¸¾Ÿ¸¸¢¬¸ˆÅ ‚¸š¸¸£ œ¸£ ‚¸£¤¸ú‚¸ƒÄ ˆ½Å ¢™©¸¸-¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º³Åœ¸ ‚£¢®¸÷¸ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ‡Æ¬¸œ¸¸½¸£ (¡¸»‡¸‡ûŬ¸úƒÄ) ¨¸¸¥¸ú ¬¸¿¬˜¸¸‚¸Ê ˆ½Å ¢¥¸‡ ¨¸¼¢Ö©¸ú¥¸ œ¸»¿¸ú
‚¸¾£ œÏ¸¨¸š¸¸›¸ £‰¸ £í¸ í¾. ¤¸ÿˆÅ ›¸½ ‚œ¸›¸½ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆ½Å ¢¥¸‡ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ œÏ½¢£÷¸ †µ¸ ¸¸½¢‰¸Ÿ¸ ˆ½Å œÏ¤¸¿š¸›¸ ˆ½Å ¢¥¸‡ ‡ˆÅ œÏ¢ÇÅ¡¸¸ ¢›¸š¸¸Ä¢£÷¸ ˆÅú í¾ ¸¸½ ¤¸ÿˆÅ ˆÅú †µ¸
›¸ú¢÷¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ í¾.
The Bank is holding incremental capital and provisions for entities with un-hedged foreign currency exposure (UHFCE), in line
with the RBI guidelines, on quarterly basis. Bank has a laid down process for managing foreign currency induced credit risk for
its borrowers which is covered in Bank’s Credit Policy.

6 ¢›¸¨¸½©¸ / Investments
‚. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
A. In case of IDBI Bank Limited
ˆÅ) ¨¸Š¸úĈţµ¸
a) Classification

¢›¸¨¸½©¸ ¨¸Š¸úĈţµ¸ ‡¨¸¿ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å Ÿ¸¸¾¸»™¸ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¬¸¿œ¸»µ¸Ä ¢›¸¨¸½©¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ˆÅ¸½ ¢›¸Ÿ›¸¸›¸º¬¸¸£ ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸
í¾À
In terms of extant guidelines of the RBI on investment classification and valuation, the entire investment portfolio is
categorized as
i œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸ / Held To Maturity,
ii ¢¤¸ÇÅú ˆ½Å ¢¥¸‡ „œ¸¥¸¤š¸ ÷¸˜¸¸ / Available For Sale and
iii ÇÅ¡¸-¢¨¸ÇÅ¡¸ ˆ½Å ¢¥¸‡ š¸¸¢£÷¸ / Held For Trading.
œÏ÷¡¸½ˆÅ ª½µ¸ú ˆ½Å ‚÷¸¿Š¸Ä÷¸ ¢›¸¨¸½©¸ ˆÅ¸½ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ³Åœ¸ Ÿ¸Ê œ¸º›¸À ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Investments under each category are further classified as
i. ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ / Government Securities
ii. ‚›¡¸ ‚›¸ºŸ¸¸½¢™÷¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ / Other Approved Securities
iii. ©¸½¡¸£ / Shares
iv. ¢”¤¸Ê¸£ ÷¸˜¸¸ ¤¸¸¿” / Debentures and Bonds
v. ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‡¿/ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ / Subsidiaries/ Joint Ventures
vi. ‚›¡¸ (¨¸¸¢µ¸¦¡¸ˆÅ œ¸°¸, ¸Ÿ¸¸ œÏŸ¸¸µ¸ œ¸°¸, Ÿ¡¸»¸º‚¥¸ û¿Å” ¡¸»¢›¸’, œÏ¢÷¸ž¸»¢÷¸ £¬¸ú™Ê, ¨¸Ê¸£ ˆ¾Å¢œ¸’¥¸ û¿Å”, œ¸¸¬¸ ˜Ï» œÏŸ¸¸µ¸œ¸°¸)
Others (Commercial Paper, Certificate of Deposits, Mutual Fund Units, Security Receipts, Venture capital funds,
Pass through Certificate).

‰¸) ¨¸Š¸úĈţµ¸ ˆÅ¸ ‚¸š¸¸£

b) Basis of Classification

ˆÅ) ¤¸ÿˆÅ ׸£¸ œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸ £‰¸›¸½ ˆ½Å „Ó½©¡¸ ¬¸½ ¢ˆÅ‡ Š¸‡ ¢›¸¨¸½©¸¸Ê ˆÅ¸½ `œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸' ª½µ¸ú ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
a) Investments that the Bank intends to hold till maturity are classified as ‘Held to Maturity’.

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g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

‰¸) ‚¥œ¸ˆÅ¸¢¥¸ˆÅ Ÿ¸»¥¡¸/¤¡¸¸¸ ™£ ˆ½Å „÷¸¸£-¸õ¸¨¸ ˆÅ¸ ¥¸¸ž¸ „“¸ˆÅ£ ÇÅ¡¸-¢¨¸ÇÅ¡¸ ˆÅ£›¸½ ˆ½Å ƒ£¸™½ ¬¸½ ‚¢¸Ä÷¸ ¢›¸¨¸½©¸ ˆÅ¸½ `ÇÅ¡¸-¢¨¸ÇÅ¡¸ ˆ½Å ¢¥¸‡
š¸¸¢£÷¸(‡¸‡ûÅ’ú)' ˆ½Å ÷¸í÷¸ ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸. ‡¸‡ûÅ’ú ˆ½Å ÷¸í÷¸ ¨¸Š¸úĈ¼Å÷¸ ¢›¸¨¸½©¸ 90 ¢™›¸¸Ê ˆ½Å ž¸ú÷¸£ ¤¸½¸½ ¸¸‡¿Š¸½.
b) Investments acquired with the intention to trade by taking advantage of the short-term price/interest rate
movements shall be classified under ‘Held for Trading’ (HFT). The investments classified under HFT shall be sold
within 90 days.

Š¸) ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸¢›¸¡¸¸Ê ‚¸¾£ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ Ÿ¸Ê ƒ¦Æ¨¸’ú ¢›¸¨¸½©¸ ˆÅ¸½ ‚¸Ÿ¸ ÷¸¸¾£ œ¸£ `œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸' ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾,
‚¸¨¸©¡¸ˆÅ÷¸¸ ‚¸š¸¸¢£÷¸ ¬¸Ÿ¸ú®¸¸‚¸Ê ˆ½Å ‚¸š¸¸£ œ¸£, „›íÊ ‚¸£¤¸ú‚¸ƒÄ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ `¢¤¸ÇÅú ˆ½Å ¢¥¸‡ „œ¸¥¸¤š¸' ª½µ¸ú Ÿ¸Ê ¬˜¸¸›¸¸¿÷¸¢£÷¸ ˆÅ£›¸½
ˆÅ¸½ Ž¸½”õˆÅ£. ¬¸í¡¸¸½¢Š¸¡¸¸Ê Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅ¸ ¨¸Š¸úĈţµ¸ „¬¸ˆ½Å ‚¢š¸ŠÏíµ¸ ˆ½Å ¬¸Ÿ¸¡¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
c) Equity Investment in subsidiaries and joint venture are normally classified as ‘Held To Maturity’ except in case, on
need based reviews, they are shifted to ‘Available for Sale’ category as per RBI guidelines. The classification of
investments in associates is done at the time of its acquisition.

‹¸) ¸¸½ ¢›¸¨¸½©¸ „œ¸¡¸ºÄÆ÷¸ ™¸½›¸¸Ê ª½¢µ¸¡¸¸Ê Ÿ¸Ê ›¸íú¿ ‚¸÷¸½ íÿ, „›íÊ `¢¤¸ÇÅú ˆ½Å ¢¥¸‡ „œ¸¥¸¤š¸' ©¸ú«¸Ä ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
d) Investments, which are not classified in the above two categories, are classified as ‘Available for Sale’. .

Œ) ¢ˆÅ¬¸ú ¢›¸¨¸½©¸ ˆÅ¸½ „¬¸ˆÅú ‰¸£ú™ ˆ½Å ¬¸Ÿ¸¡¸ `œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸', `¢¤¸ÇÅú ˆ½Å ¢¥¸‡ „œ¸¥¸¤š¸' ‚˜¸¨¸¸ `ÇÅ¡¸-¢¨¸ÇÅ¡¸ ˆ½Å ¢¥¸‡ š¸¸¢£÷¸' ˆÅú ª½µ¸ú Ÿ¸Ê
¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ¤¸¸™ Ÿ¸Ê ƒ›¸ ª½¢µ¸¡¸¸Ê ˆ½Å ¤¸ú¸ Ÿ¸Ê ƒ›¸ˆÅú ‚™¥¸¸-¤¸™¥¸ú ‡¨¸¿ ƒ›¸ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£
¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
e) An investment is classified as ‘Held To Maturity’, ‘Available For Sale’ or ‘Held For Trading’ at the time of its
purchase and subsequent shifting amongst categories and its valuation is done in conformity with RBI
guidelines.

Š¸) Ÿ¸»¥¡¸¸¿ˆÅ›¸
c) Valuation

i. ¢ˆÅ¬¸ú ¢›¸¨¸½©¸ ˆÅú ‚¸Ä›¸ ¥¸¸Š¸÷¸ ˆÅ¸½ ¢›¸š¸¸Ä¢£÷¸ ˆÅ£›¸½ Ÿ¸ÊÀ / In determining the acquisition cost of an investment:

ˆÅ) ¬¸½ˆÊÅ”£ú ¤¸¸{¸¸£ ¬¸½ ‰¸£ú™½ Š¸‡ ƒ¦Æ¨¸’ú ¢¥¸‰¸÷¸¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê œÏ™î¸ ™¥¸¸¥¸ú, ˆÅŸ¸ú©¸›¸, ¬’¸Ÿœ¸ ”ḻ’ú ‚¸¾£ ‚›¡¸ ˆÅ£¸Ê ˆÅ¸½ ‚¸Ä›¸ ¥¸¸Š¸÷¸ Ÿ¸Ê
©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸¢ˆÅ ’ｏ¸£ú ¢›¸¨¸½©¸¸Ê ¬¸¢í÷¸ ‚›¡¸ ¢›¸¨¸½©¸¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ‡½¬¸½ ¨¡¸¡¸¸Ê ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê œÏž¸¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸
í¾.
a) Brokerage, commission, stamp duty, and other taxes paid are included in cost of acquisition in respect
of acquisition of equity instruments from the secondary market whereas in respect of other investments,
including treasury investments, such expenses are charged to Profit and Loss Account.

‰¸) ‰¸¿¢”÷¸ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ œÏ™î¸ ¤¡¸¸¸ / œÏ¸œ÷¸ ¤¡¸¸¸ ˆÅ¸½ ‚¸Ä›¸ ¥¸¸Š¸÷¸/ ¢¤¸ÇÅú Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ›¸íì ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ „¬¸½ ¤¡¸¸¸ ¨¡¸¡¸/ ‚¸¡¸
ˆ½Å ³Åœ¸ Ÿ¸Ê Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾.
b) Broken period interest paid/ received is excluded from the cost of acquisition/ sale and treated as interest
expense/ income.

Š¸) ¥¸¸Š¸÷¸ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ž¸¸¢£÷¸ ‚¸¾¬¸÷¸ ¥¸¸Š¸÷¸ œ¸Ö¢÷¸ ˆ½Å ‚›¸º¬¸¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
c) Cost is determined on the weighted average cost method.

ii. `œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸' ¢›¸¨¸½©¸¸Ê ˆÅ¸½ ¸¤¸ ÷¸ˆÅ ¡¸í ‚¿¢ˆÅ÷¸ Ÿ¸»¥¡¸ ¬¸½ ‚¢š¸ˆÅ ›¸ í¸Ê, ‚¸Ä›¸ ¥¸¸Š¸÷¸ œ¸£ ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾, ‡½¬¸½ Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê œÏú¢Ÿ¸¡¸Ÿ¸
ˆÅ¸½ œ¸¢£œ¸Æ¨¸÷¸¸ ˆÅú ©¸½«¸ ¤¸¸ú ‚¨¸¢š¸ Ÿ¸Ê ¬¸úš¸ú £½‰¸¸ œ¸Ö¢÷¸ ¬¸½ œ¸¢£©¸¸½¢š¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¢›¸¨¸½©¸¸Ê, ¸¸½ ‡¸’ú‡Ÿ¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ©¸¸¢Ÿ¸¥¸ íÿ, ˆ½Å Ÿ¸»¥¡¸
Ÿ¸Ê í¸½›¸½ ¨¸¸¥¸ú ¢ˆÅ¬¸ú ˆÅŸ¸ú (‚¬˜¸¸¡¸ú ¬¨¸³Åœ¸ ˆ½Å ‚¥¸¸¨¸¸) ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ œÏ÷¡¸½ˆÅ ¢›¸¨¸½©¸ ˆ½Å ¢¥¸‡ ‚¥¸Š¸-‚¥¸Š¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾.
Investments in ‘Held To Maturity’ category are carried at acquisition cost unless it is more than the face value, in
which case the premium is amortized on straight line basis over the remaining period of maturity. Any diminution
(other than temporary) in the value of the investments, which are included under HTM, are recognized and provided
individually for each investment.

iii. `’ï½¢”¿Š¸ ˆ½Å ¢¥¸‡ š¸¸¢£÷¸' ÷¸˜¸¸ `¢¤¸ÇÅú ˆ½Å ¢¥¸‡ „œ¸¥¸¤š¸' ¢›¸¨¸½©¸¸Ê ˆ½Å ¦¬ÇÅœ¸-¨¸¸£ ¤¸¸{¸¸£ Ÿ¸»¥¡¸ ˆÅ¸½ ¤¸íú Ÿ¸Ê ‚¿¢ˆÅ÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ œÏ÷¡¸½ˆÅ ª½µ¸ú
Ÿ¸Ê íº‡ ¢›¸¨¸¥¸ Ÿ¸»¥¡¸Ý¸¬¸, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸¢ˆÅ ¢ˆÅ¬¸ú ¢›¸¨¸¥¸ ¨¸¼¢Ö, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆÅ¸½ ›¸íú¿ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
í¸¥¸¸¿¢ˆÅ, „›¸ ¢›¸¨¸½©¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¢¸›íÊ `‚›¸¸ÄˆÅ' ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ¡¸¸ ¢›¸¨¸½©¸ ¸¸½ †µ¸ ˆ½Å œ¸º›¸¬¸ô£¸›¸¸/³Åœ¸¸¿÷¸£µ¸ ¬¸½ œÏ¸œ÷¸ ¢ˆÅ‡
Š¸‡ íÿ, ‚›¡¸ ‚¸ÄˆÅ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê Ÿ¸»¥¡¸Ý¸¬¸/œÏ¸¨¸š¸¸›¸ ˆÅ¸½ Ÿ¸»¥¡¸¨¸¼¢Ö ¬¸½ ¬¸Ÿ¸¸¡¸¸½¢¸÷¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.

dm{f©H$ [anmoQ>© Annual Report 2023-24 481

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Schedules to the Consolidated Financial Statements

Investments in ‘Held For Trading’ and ‘Available For Sale’ are marked to market scrip-wise and the resultant net
depreciation, if any, in each category is recognized in the Profit and Loss Account, while the net appreciation,
if any, is ignored. However, in respect of investments which are classified as 'Non-Performing’ or investments
which are acquired out of restructuring/conversion of debt, the depreciation/provision is not set off against the
appreciation in respect of other performing securities.
ˆÅ) ¤¸’Ã’¸ˆ¼Å÷¸ ¢¥¸‰¸÷¸ í¸½›¸½ ˆ½Å ˆÅ¸£µ¸ ’ｏ¸£ú ¢¤¸¥¸¸Ê, ¨¸¸¢µ¸¦¡¸ˆÅ œ¸°¸¸Ê ÷¸˜¸¸ ¸Ÿ¸¸ œÏŸ¸¸µ¸œ¸°¸¸Ê ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ £‰¸¸¨¸ ¥¸¸Š¸÷¸ œ¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
a) Treasury Bills, commercial papers and certificates of deposit being discounted instruments are valued at
carrying cost.
‰¸) ÇÅ¡¸-¢¨¸ÇÅ¡¸/ „Ö¼÷¸ ¢ˆÅ‡ Š¸‡ ¢›¸¨¸½©¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¤¸¸¸¸£ Ÿ¸»¥¡¸ Ÿ¸¸›¡¸÷¸¸œÏ¸œ÷¸ ¬’¸ÁˆÅ ‡Æ¬¸¸Ê¸¸Ê Ÿ¸Ê „œ¸¥¸¤š¸ ÇÅ¡¸-¢¨¸ÇÅ¡¸/ ž¸¸¨¸-¬¸»¸ú ¬¸½
¢¥¸¡¸¸ ¸¸÷¸¸ í¾.
b) In respect of traded/ quoted investments, the market price is taken from the trades/ quotes available on the
recognised stock exchanges.
Š¸) „Ö¼÷¸ ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅ¸½ ¤¸¸{¸¸£ Ÿ¸»¥¡¸ œ¸£ Ÿ¸»¥¡¸¸¿¢ˆÅ÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ÷¸˜¸¸ ‚›¸ºÖ¼÷¸/ ÇÅ¡¸-¢¨¸ÇÅ¡¸ ›¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ¬¸£ˆÅ¸£ú
œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ‡ûÅ‚¸ƒÄ‡Ÿ¸‡Ÿ¸”ú‡/ûŸƒ›¸Ê¢©¸¡¸¥¸ ¤¸Ê¸Ÿ¸¸ˆÄÅ ƒ¿¢”¡¸¸ œÏ¸ƒ¨¸½’ ¢¥¸. (‡ûŤ¸ú‚¸ƒÄ‡¥¸) ׸£¸ ‹¸¸½¢«¸÷¸ ˆÅúŸ¸÷¸ œ¸£
¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. „Ö¼÷¸ ‚¸¾£ Š¸¾£-„Ö¼÷¸, ™¸½›¸¸Ê œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆ½Å Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ¢¥¸‡ ‡ûŤ¸ú‚¸ƒÄ‡¥¸ ™£¸Ê œ¸£ ¢¨¸¸¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
c) Quoted Government Securities are valued at market prices and unquoted/non-traded government
securities are valued at prices declared by FIMMDA/ Financial Benchmark India Pvt Ltd (FBIL). For both
quoted as well as unquoted securities valuation, FBIL rates are considered.
‹¸) Š¸¾£-„Ö¼÷¸ ƒ¦Æ¨¸’ú ©¸½¡¸£ ‚˜¸¸Ä÷¸Ã ƒ¦Æ¨¸’ú ©¸½¡¸£ ¢¸›¸ˆ½Å ¢¥¸‡ ¨¸÷¸ÄŸ¸¸›¸ ˆÅ¸½’½©¸›¸ „œ¸¥¸¤š¸ ›¸íú¿ íÿ ¡¸¸ ¸í¸¿ ©¸½¡¸£ ‡Æ¬¸¸Ê¸¸Ê œ¸£ „Ö¼÷¸ ›¸íú¿
íÿ, ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¤Ï½ˆÅ-‚œ¸ Ÿ¸»¥¡¸ œ¸£ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸ ('œ¸º›¸Ÿ¸»Ä¥¡¸¸¿ˆÅ›¸ ¢£¸¨¸Ä', ¡¸¢™ ˆÅ¸½ƒÄ í¸½, œ¸£ ¢¨¸¸¸£ ¢ˆÅ‡ ¢¤¸›¸¸) ¢¸¬¸ˆÅ¸ œ¸÷¸¸ ˆ¿Åœ¸›¸ú
ˆÅú ›¸¨¸ú›¸÷¸Ÿ¸ ÷¸º¥¸›¸-œ¸°¸ ¬¸½ ¥¸Š¸¸¡¸¸ ¸¸›¸¸ í¾. ¢¸¬¸ ÷¸¸£ú‰¸ ˆÅ¸ ›¸¨¸ú›¸÷¸Ÿ¸ ÷¸º¥¸›¸œ¸°¸ ÷¸¾¡¸¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾, ¨¸í Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅú ÷¸¸£ú‰¸ ¬¸½
18 Ÿ¸íú›¸½ ¬¸½ œ¸í¥¸½ ˆÅ¸ ›¸íú¿ í¸½Š¸¸. ¡¸¢™ ›¸¨¸ú›¸÷¸Ÿ¸ ¥¸½‰¸¸ œ¸£ú¢®¸÷¸ ÷¸º¥¸›¸œ¸°¸ „œ¸¥¸¤š¸ ›¸íú¿ í¾, ÷¸¸½ ¬¸¿¤¸¿¢š¸÷¸ ‚¸£¤¸ú‚¸ƒÄ Ÿ¸¸¬’£ ¢›¸™½Ä©¸ ˆ½Å
‚›¸º¬¸¸£ ©¸½¡¸£¸Ê ˆÅ¸ Ÿ¸»¥¡¸ œÏ¢÷¸ ˆ¿Åœ¸›¸ú 1 ²Åœ¸¡¸¸ í¸½Š¸¸.
d) The unquoted equity shares i.e., equity shares for which current quotations are not available or where the
shares are not quoted on the exchanges, shall be valued at break-up value (without considering ‘revaluation
reserves’, if any) which is to be ascertained from the company’s latest audited balance sheet. The date
as on which the latest balance sheet is drawn up shall not precede the date of valuation by more than 18
months. In case the latest audited balance sheet is not available, the shares shall be valued at Re.1 per
company, as per the relevant RBI master direction.

Œ) Š¸¾£-„Ö¼÷¸ ‡Ÿ¸‡ûÅ ƒˆÅ¸ƒ¡¸¸Ê Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ œÏ÷¡¸½ˆÅ ¡¸¸½¸›¸¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‡Ÿ¸‡ûŠ׸£¸ ‹¸¸½¢«¸÷¸ ›¸¨¸ú›¸÷¸Ÿ¸ œ¸º›¸‰¸Ä£ú™ Ÿ¸»¥¡¸ ˆ½Å
‚¸š¸¸£ œ¸£ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸. ¥¸¸ÁˆÅ-ƒ›¸ ‚¨¸¢š¸ ¡¸¸ ¢ˆÅ¬¸ú ‚›¡¸ ¢›¸¢š¸ ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê, ¸í¸¿ œ¸º›¸‰¸Ä£ú™ Ÿ¸»¥¡¸/¤¸¸¸¸£ ž¸¸¨¸ „œ¸¥¸¤š¸ ›¸íú¿ í¾,
ƒˆÅ¸ƒ¡¸¸Ê ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¡¸¸½¸›¸¸ ˆ½Å ¢›¸¨¸¥¸ ‚¸¦¬÷¸ Ÿ¸»¥¡¸ (‡›¸‡¨¸ú) œ¸£ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸. ¡¸¢™ ‡›¸‡¨¸ú „œ¸¥¸¤š¸ ›¸íú¿ í¾, ÷¸¸½ ¥¸¸ÁˆÅ-ƒ›¸ ‚¨¸¢š¸
ˆ½Å ‚¿÷¸ ÷¸ˆÅ ƒ›¸ˆÅ¸ Ÿ¸»¥¡¸›¸ ¥¸¸Š¸÷¸ œ¸£ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸.
e) Investment in un-quoted MF units shall be valued on the basis of the latest re-purchase price declared
by the MF in respect of each scheme. In case of funds with a lock-in period or any other fund, where
repurchase price/ market quote is not available, units shall be valued at Net Asset Value (NAV) of the
scheme. If NAV is not available, these shall be valued at cost, till the end of the lock-in period.

¸) ¢›¸¡¸÷¸ ‚¸¡¸ ¨¸¸¥¸ú ‚›¸ºÖ¼÷¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê (¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅ¸½ Ž¸½”õˆÅ£) ˆÅ¸ Ÿ¸»¥¡¸ ¬¸Ÿ¸¸›¸ œ¸¢£œ¸Æ¨¸÷¸¸ ‚¨¸¢š¸ ¨¸¸¥¸ú ˆÊÅÍ ¬¸£ˆÅ¸£ ˆÅú
œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅú œ¸¢£œ¸Æ¨¸÷¸¸ œ¸£ œÏ¢÷¸ûÅ¥¸ (¨¸¸ƒÄ’ú‡Ÿ¸) ™£¸Ê œ¸£ ¬¸Ÿ¸º¢¸÷¸ ³Åœ¸ ¬¸½ ‚¢š¸ˆÅ ™£ ¢›¸š¸¸Ä¢£÷¸ ˆÅ£ ¨¸¸ƒÄ’ú‡Ÿ¸ ‚¸š¸¸£ œ¸£ ¢›¸ˆÅ¸¥¸¸
¸¸÷¸¸ í¾. ‡½¬¸½ Ÿ¸»¥¡¸ ¨¸¼¢Ö ‚¿÷¸£ ¨¸ ¨¸¸ƒÄ’ú‡Ÿ¸ ™£¸Ê ˆÅ¸½ ‡ûŤ¸ú‚¸ƒÄ‡¥¸ ׸£¸ œÏˆÅ¸¢©¸÷¸ ¬¸¿¤¸¿¢š¸÷¸ ™£¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ¥¸¸Š¸» ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
f) Unquoted fixed income securities (other than government securities) are valued on Yield to Maturity (YTM)
basis with appropriate mark-up over the YTM rates for Central Government securities of equivalent maturity.
Such mark-up and YTM rates applied are as per the relevant rates published by FBIL.

Ž) ‚¸¦¬÷¸ œ¸º›¸¢›¸ÄŸ¸¸Äµ¸ ˆ¿Åœ¸¢›¸¡¸¸Ê ׸£¸ ¸¸£ú œÏ¢÷¸ž¸»¢÷¸ £¬¸ú™¸Ê ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ¢›¸š¸¸Ä¢£÷¸ ›¡¸»›¸÷¸Ÿ¸ œÏ¸¨¸š¸¸›¸
‚œ¸½®¸¸‚¸Ê ˆ½Å ‚š¸ú›¸ ‡½¬¸½ ¢¥¸‰¸÷¸¸Ê œ¸£ ¥¸¸Š¸» ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ÷¸™Ã›¸º¬¸¸£ ‡½¬¸½ Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê ¸í¸Â ‚¸¦¬÷¸ œ¸º›¸¢›¸ÄŸ¸¸Äµ¸
ˆ¿Åœ¸¢›¸¡¸¸Ê ׸£¸ ¸¸£ú œÏ¢÷¸ž¸»¢÷¸ £¬¸ú™¸Ê ¬¸½ ›¸ˆÅ™ú œÏ¨¸¸í, ¬¸¿¤¸¿¢š¸÷¸ ¡¸¸½¸›¸¸ Ÿ¸Ê ¢¥¸‰¸÷¸¸Ê ˆÅ¸½ ¬¸Ÿ¸›¸º™½¢©¸÷¸ ¢¨¸î¸ú¡¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¨¸¸¬÷¸¢¨¸ˆÅ
¨¸¬¸»¥¸ú ÷¸ˆÅ ¬¸ú¢Ÿ¸÷¸ í¸½, ¨¸í¸Â ¤¸ÿˆÅ ‚¸¦¬÷¸ œ¸º›¸¢›¸ÄŸ¸¸Äµ¸ ˆ¿Åœ¸¢›¸¡¸¸Ê ¬¸½ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ œÏ÷¡¸½ˆÅ ¢£œ¸¸½¢’ôŠ¸ ‚¨¸¢š¸ ˆÅú ¬¸Ÿ¸¸¦œ÷¸ œ¸£ ƒ¬¸ œÏˆÅ¸£ ˆ½Å
¢›¸¨¸½©¸¸Ê ˆ½Å Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ¢¥¸‡ œÏ¸œ÷¸ ¢›¸¨¸¥¸ ‚¸¦¬÷¸ Ÿ¸»¥¡¸ ˆÅ¸½ ¢í¬¸¸¤¸ Ÿ¸Ê ¥¸½÷¸¸ í¾.
g) Security receipts issued by the asset reconstruction companies are valued in accordance with the
guidelines applicable to such instruments subject to floor provision requirements as prescribed by the
RBI from time to time. Accordingly, in cases where the cash flows from security receipts issued by the
asset reconstruction companies are limited to the actual realisation of the financial assets assigned to

482 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

the instruments in the concerned scheme, the Bank reckons the net asset value obtained from the asset
reconstruction company from time to time, for valuation of such investments at the end of each reporting
period.

¸) „Ö¼÷¸ ‚¢š¸Ÿ¸¸›¡¸ ©¸½¡¸£¸Ê ˆÅ¸½ ¤¸¸¸¸£ ™£¸Ê œ¸£ Ÿ¸»¥¡¸¸¿¢ˆÅ÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ÷¸˜¸¸ ‚›¸ºÖ¼÷¸/ Š¸¾£-’ï½”½” ‚¢š¸Ÿ¸¸›¡¸ ©¸½¡¸£¸Ê ˆÅ¸½ œ¸¢£œ¸Æ¨¸÷¸¸ œ¸£
„¢¸÷¸ œÏ¢÷¸ûÅ¥¸ ׸£¸ Ÿ¸»¥¡¸¸¿¢ˆÅ÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¸¸½ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ Ÿ¸¸½¸›¸ Ÿ¸»¥¡¸ ¬¸½ ‚¢š¸ˆÅ ›¸íú¿ í¸½Š¸¸.
h) Quoted Preference shares are valued at market rates and unquoted/non-traded preference shares are
valued at appropriate yield to maturity basis, not exceeding redemption value as per the RBI guidelines.

¸ ™¤¸¸¨¸ŠÏ¬÷¸ ‚¸¦¬÷¸ ¦¬˜¸£úˆÅ£µ¸ ¢›¸¢š¸ (‡¬¸‡‡¬¸‡ûÅ) Ÿ¸Ê ¢ˆÅ‡ Š¸‡ ¢›¸¨¸½©¸ ˆÅ¸½ œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸ ª½µ¸ú Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ˆÅ£ ¥¸¸Š¸÷¸ œ¸£
Ÿ¸»¥¡¸¸¿¢ˆÅ÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
i) Investment in Stressed Assets Stabilisation Fund (SASF) is categorized as Held to Maturity and valued at
cost.

‘¸ Š¸¾£-„Ö¼÷¸ ¨¸Ê¸£ ˆ¾Å¢œ¸’¥¸ ¢›¸¢š¸ (¨¸ú¬¸ú‡ûÅ)/ ¨¸¾ˆÅ¦¥œ¸ˆÅ ¢›¸¨¸½©¸ ¢›¸¢š¸ (‡‚¸ƒÄ‡ûÅ) Ÿ¸Ê ¢›¸¨¸½©¸, ‚¸£¤¸ú‚¸ƒÄ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£,
÷¸ú›¸ ¬¸¸¥¸ ˆÅú œÏ¸£¿¢ž¸ˆÅ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ‡¸’ú‡Ÿ¸ ª½µ¸ú ˆ½Å ÷¸í÷¸, ¤¸ÿˆÅ ˆ½Å ¢¨¸¨¸½ˆÅ œ¸£ ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ƒ¬¸ ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸
¥¸¸Š¸÷¸ œ¸£ Ÿ¸»¥¡¸¸¿¢ˆÅ÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ƒ¬¸ ÷¸£í ˆ½Å ¢›¸¨¸½©¸¸Ê ˆÅ¸½ ¬¸¿¢¨¸÷¸£µ¸ ˆÅú ÷¸¸£ú‰¸ ¬¸½ ÷¸ú›¸ ¬¸¸¥¸ ˆÅú „Æ÷¸ ‚¨¸¢š¸ ˆ½Å œ¸»£¸ í¸½›¸½ ˆ½Å ¤¸¸™
‡‡ûҬ¸ ª½µ¸ú Ÿ¸Ê ¬˜¸¸›¸¸¿÷¸¢£÷¸ ˆÅ£ ¢™¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ¨¸ú¬¸ú‡ûŠ׸£¸ ‚œ¸›¸½ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ¢™‰¸¸‡ Š¸‡ ‡›¸‡¨¸ú œ¸£ Ÿ¸»¥¡¸¸¿¢ˆÅ÷¸
¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¨¸«¸Ä Ÿ¸Ê ˆÅŸ¸ ¬¸½ ˆÅŸ¸ ‡ˆÅ ¤¸¸£, ¡¸»¢›¸’¸Ê ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¨¸ú¬¸ú‡ûÅ ˆ½Å ›¸¨¸ú›¸÷¸Ÿ¸ ¥¸½‰¸¸œ¸£ú¢®¸÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ˆ½Å ‚¸š¸¸£ œ¸£
¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾, ¡¸¢™ „œ¸¥¸¤š¸ í¸½ ¡¸¸ ‚¸£¤¸ú‚¸ƒÄ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ œÏ¢÷¸ ¨¸ú¬¸ú‡ûÅ 1 ³Åœ¸¡¸½ œ¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
j) Investments in unquoted Venture Capital Fund (VCF)/Alternate Investments Funds (AIFs) are categorised,
at the discretion of the Bank, under HTM category for an initial period of three years and valued at cost
during this period, in accordance with the RBI guidelines. Such investments are transferred to the AFS
category after completion of the said period of three years from the date of disbursement and valued at
NAV shown by the VCF in its financial statements. At least once a year, the units are valued based on the
latest audited financials of the VCF if available or at Re 1 per VCF as per the RBI guidelines.

’ œ¸ú’ú¬¸ú ¢›¸¨¸½©¸ ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸Ê ˆ½Å¨¸¥¸ ‡‡ûҬ¸ ª½µ¸ú Ÿ¸Ê š¸¸¢£÷¸ ¢ˆÅ‡ Š¸‡ íÿ ÷¸˜¸¸ ƒ›¸ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ œ¸¢£œ¸Æ¨¸÷¸¸ œÏ¢÷¸ûÅ¥¸ (¨¸¸ƒÄ’ú‡Ÿ¸)
‚¸š¸¸£ œ¸£ ˆÊÅÍ ¬¸£ˆÅ¸£ ˆÅú ¬¸Ÿ¸÷¸º¥¡¸ œ¸¢£œ¸Æ¨¸÷¸¸ ¨¸¸¥¸ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅú ¨¸¸ƒÄ’ú‡Ÿ¸ ™£¸Ê œ¸£ „¢¸÷¸ ˆÅúŸ¸÷¸-¥¸¸Š¸÷¸ ‚¿÷¸£ œÏž¸¸¨¸ú ˆÅ£ ‡¨¸¿
‡›¸¤¸ú‡ûŬ¸ú ¤¸¸Á›” œ¸£ ¥¸¸Š¸» ˆÅúŸ¸÷¸-¥¸¸Š¸÷¸ ‚¿÷¸£ ˆ½Å ¬¸¸˜¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‡½¬¸½ Ÿ¸»¥¡¸ ¨¸¼¢Ö ‚¿÷¸£ ¨¸ ¨¸¸ƒÄ’ú‡Ÿ¸ ™£¸Ê ˆÅ¸½ ‡ûŤ¸ú‚¸ƒÄ‡¥¸
׸£¸ œÏˆÅ¸¢©¸÷¸ ¬¸¿¤¸¿¢š¸÷¸ ™£¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ¥¸¸Š¸» ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.íÿ.
k) PTC investments are presently held only under AFS category and are valued on Yield to Maturity (YTM)
basis with appropriate mark-up over the YTM rates for Central Government securities of equivalent maturity
and the spreads applicable are that of NBFC bonds. Such mark-up and YTM rates applied are as per the
relevant rates published by FBIL.

iv. ¢›¸¨¸½©¸ ˆÅú ª½¢µ¸¡¸¸Ê ˆ½Å ¤¸ú¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅ¸ í¬÷¸¸¿÷¸£µ¸ ‚¸£¤¸ú‚¸ƒÄ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Transfer of securities between categories of investments is accounted for as per the RBI guidelines.

v. ¢›¸¨¸½©¸¸Ê ˆÅú ¢¤¸ÇÅú ¬¸½ ¥¸¸ž¸ ¡¸¸ í¸¢›¸ ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ¸Ÿ¸¸/ ›¸¸Ÿ¸½ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ÷¸˜¸¸¢œ¸, `œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸' ª½µ¸ú Ÿ¸Ê ¢›¸¨¸½©¸¸Ê ˆÅú ¢¤¸ÇÅú
¬¸½ ¥¸¸ž¸ ˆÅ¸½ œ¸í¥¸½ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ¸Ÿ¸¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ „¬¸ˆ½Å ¤¸¸™ ¨¸«¸Ä/ ‚¨¸¢š¸ ˆÅú ¬¸Ÿ¸¸¦œ÷¸ œ¸£ ¥¸¸Š¸» ˆÅ£¸Ê ˆÅ¸½ ‹¸’¸ˆÅ£ ¬¸¸¿¢¨¸¢š¸ˆÅ ¢£{¸¨¸Ä
¬¸½ œ¸»¿¸ú ¢£{¸¨¸Ä ‰¸¸÷¸½ Ÿ¸Ê ‚¿÷¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¢¤¸ÇÅú ¬¸½ í¸¢›¸ ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾. ¢›¸¨¸½©¸¸Ê ˆÅ¸½ œÏ¸¨¸š¸¸›¸ ‹¸’¸ˆÅ£ ¢™‰¸¸¡¸¸
¸¸÷¸¸ í¾.
Profit or Loss on sale of investments is credited/ debited to Profit and Loss Account. However, profits on sale of
investments in ‘Held to Maturity’ category is first credited to Profit and Loss Account and thereafter appropriated,
net of applicable taxes and transfer to statutory reserves to the Capital Reserve Account at the year/period end.
Loss on sale is recognized in the Profit and Loss Account. Investments are stated net of provisions.

‚›¸¸ÄˆÅ ¢›¸¨¸½©¸ / Non-Performing Investments

‚›¸¸ÄˆÅ ¢›¸¨¸½©¸¸Ê ˆÅú œ¸í¸¸›¸ ˆÅú ¸¸÷¸ú í¾ ‚¸¾£ ¢£¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ Ÿ¸»¥¡¸Ý¸¬¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ‡ ¸¸÷¸½ íÿ. ‡½¬¸½ ‚›¸¸ÄˆÅ ¢›¸¨¸½©¸¸Ê œ¸£
Ÿ¸»¥¡¸Ý¸¬¸/œÏ¸¨¸š¸¸›¸ ‚›¡¸ ‚¸ÄˆÅ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê Ÿ¸»¥¡¸¨¸¼¢Ö ¬¸½ ¬¸Ÿ¸¸¡¸¸½¢¸÷¸ ›¸íú¿ ¢ˆÅ‡ ¸¸÷¸½ íÿ. ‚›¸¸ÄˆÅ ¢›¸¨¸½©¸ œ¸£ ¤¡¸¸¸ œÏ¸œ÷¸ í¸½›¸½ ÷¸ˆÅ ¥¸¸ž¸
‚¸¾£ í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê ™©¸¸Ä¡¸¸ ›¸íú¿ ¸¸÷¸¸ í¾.
Non-performing investments are identified and depreciation provisions are made thereon based on the RBI guidelines.
The depreciation / provision on such non-performing investments are not set off against the appreciation in respect of
other performing securities. Interest on non-performing investments is not recognized in the Profit and Loss Account until
received.

dm{f©H$ [anmoQ>© Annual Report 2023-24 483

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

‚¢š¸¢¨¸ÇÅ¡¸ / Short Sale

¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¤¸ÿˆÅ ˆ½Å›Í ¬¸£ˆÅ¸£ ˆÅú ¢™›¸¸¿¢ˆÅ÷¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê Ÿ¸Ê ‚¢š¸¢¨¸ÇÅ¡¸ ¥¸½›¸™½›¸ ˆÅ£÷¸¸ í¾. ‚¢š¸¢¨¸ÇÅ¡¸ ¦¬˜¸¢÷¸¡¸¸Ê ˆÅ¸½ ‡¸‡ûÅ’ú
ª½µ¸ú ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ¤¸¸{¸¸£ Ÿ¸»¥¡¸ ˆÅ¸½ ¤¸íú Ÿ¸Ê ‚¿¢ˆÅ÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¤¸¸{¸¸£ Ÿ¸»¥¡¸ ˆÅ¸½ ¤¸íú Ÿ¸Ê ‚¿¢ˆÅ÷¸ ˆÅ£›¸½ ¬¸½ íºƒÄ í¸¢›¸ ˆÅ¸½
¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê œÏž¸¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ¥¸¸ž¸, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆÅ¸½ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¢í¬¸¸¤¸ Ÿ¸Ê ›¸íú¿ ¢¥¸¡¸¸ ¸¸÷¸¸ í¾.
The Bank undertakes short sale transaction Central Government dated securities in accordance with the RBI guidelines.
The short positions are categories under HFT category and are marked to market. The mark-to-market loss is charged
to profit and loss account and gain, if any, ignore as per the RBI guidelines.

‹¸) £½œ¸¸½ ‡¨¸¿ ¢£¨¸¬¸Ä £½œ¸¸½ ¥¸½›¸-™½›¸

d) Repo and reverse repo transactions

¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ¨¸ ˆÅ¸Á£œ¸¸½£½’ †µ¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê (¸¥¸¢›¸¢š¸ ¬¸Ÿ¸¸¡¸¸½¸›¸ ¬¸º¢¨¸š¸¸ (`‡¥¸‡‡ûÅ') ¨¸ ¬¸úŸ¸¸¿÷¸
‚¸œ¸¸÷¸ú ¬¸º¢¨¸š¸¸ (`‡Ÿ¸‡¬¸‡ûÅ') ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ¬¸½ ¢ˆÅ‡ Š¸‡ ¥¸½›¸-™½›¸¸Ê ¬¸¢í÷¸) ˆ½Å £½œ¸¸½ ¨¸ ¢£¨¸¬¸Ä £½œ¸¸½ ˆ½Å ¥¸½›¸-™½›¸ ÇÅŸ¸©¸À †µ¸ ¥¸½›¸½ ¨¸ †µ¸ ™½›¸½
¨¸¸¥¸½ ¥¸½›¸-™½›¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™©¸¸Ä‡ ¸¸÷¸½ íÿ. £½œ¸¸½ ¥¸½›¸-™½›¸ œ¸£ „š¸¸£ ¥¸¸Š¸÷¸ ˆÅ¸½ ¤¡¸¸¸ ¨¡¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ÷¸˜¸¸ ¢£¨¸¬¸Ä £½œ¸¸½ ¥¸½›¸-™½›¸ œ¸£ œÏ¸œ÷¸ £¸¸¬¨¸ ˆÅ¸½ ¤¡¸¸¸
‚¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾.
In accordance with the RBI guidelines repo and reverse repo transactions in government securities and corporate debt
securities (including transactions conducted under Liquidity Adjustment Facility (‘LAF’) and Marginal Standby Facility
(‘MSF’) with the RBI) are reflected as borrowing and lending transactions respectively. Borrowing cost on repo transactions
is accounted as interest expense and revenue on reverse repo transactions is accounted as interest income.

‚¸. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

B. In case of IDBI Assets Management Limited

‡½¬¸½ ¢›¸¨¸½©¸ ¸¸½ ÷¸÷ˆÅ¸¥¸ ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ íÿ ‚¸¾£ ‡½¬¸½ ¢›¸¨¸½©¸ ˆÅ£›¸½ ˆÅú ÷¸¸£ú‰¸ ¬¸½ ‡ˆÅ ¨¸«¸Ä ¬¸½ ‚¢š¸ˆÅ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ š¸¸¢£÷¸ ›¸íú¿ ¢ˆÅ‡ ¸¸›¸½ íÿ, „›íÊ ¸¸¥¸» ¢›¸¨¸½©¸ ˆ½Å
³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‚›¡¸ ¬¸ž¸ú ¢›¸¨¸½©¸¸Ê ˆÅ¸½ ™ú‹¸¸Ä¨¸¢š¸ ¢›¸¨¸½©¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¸¸¥¸» ¢›¸¨¸½©¸¸Ê ˆÅ¸½ ¥¸¸Š¸÷¸ ¡¸¸ „¢¸÷¸ Ÿ¸»¥¡¸, ¸¸½ ž¸ú ˆÅŸ¸
í¸½, œ¸£ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾. ™ú‹¸¸Ä¨¸¢š¸ ¢›¸¨¸½©¸¸Ê ˆÅ¸½ ¥¸¸Š¸÷¸ œ¸£ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾. ÷¸˜¸¸¢œ¸, ¢›¸¨¸½©¸¸Ê ˆ½Å Ÿ¸»¥¡¸ Ÿ¸Ê ˆÅŸ¸ú, ‚¬˜¸¸¡¸ú ˆÅŸ¸ú ˆÅ¸½ Ž¸½”õˆÅ£, ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ݸ¬¸ ˆ½Å ¢¥¸‡
œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‡½¬¸½ ‹¸’¸¨¸ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ œÏ÷¡¸½ˆÅ ¢›¸¨¸½©¸ ˆ½Å ¢¥¸‡ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¤¸¸¿” ˆÅú ‰¸£ú™ ˆ½Å ™¸¾£¸›¸ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ‡ Š¸‡ œÏú¢Ÿ¸¡¸Ÿ¸ ˆÅ¸½ ¤¸¸¿” ˆÅú ‚¨¸¢š¸
ˆ½Å ™¸¾£¸›¸ œ¸¢£©¸¸½¢š¸÷¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ƒ¬¸½ ‰¸£ú™ ˆÅú ¥¸¸Š¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾.
Investments which are readily realizable and are intended to be held for not more than one year from the date, on which such
investments are made, are classified as current investments. All other investments are classified as long term investments.
Current investments are carried at cost or fair value, whichever is lower. Long-term investments are carried at cost. However,
provision for diminution is made to recognize a decline, other than temporary, in the value of the investments, such reduction
being determined and made for each investment individually. Premium paid during purchase of bonds is not amortized during
the tenure of bond and same is considered as cost of purchase.

ƒ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’﬒ú¢©¸œ¸ ¬¸¢¨¸Ä¬¸½¬¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

C. In case of IDBI Trusteeship Services Limited

‡½¬¸½ ¢›¸¨¸½©¸ ¸¸½ ¥¸¿¤¸½ ¬¸Ÿ¸¡¸ ¬¸½ š¸¸¢£÷¸ íÿ, „›íÊ Š¸¾£-¸¸¥¸» ¢›¸¨¸½©¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ™ú‹¸¸Ä¨¸¢š¸ ¢›¸¨¸½©¸ ¥¸¸Š¸÷¸ œ¸£ ™©¸¸Ä‡ ¸¸÷¸½ í¾. ™ú‹¸¸Ä¨¸¢š¸ ¢›¸¨¸½©¸¸Ê ˆ½Å
Ÿ¸»¥¡¸ Ÿ¸Ê ‚¬˜¸¸¡¸ú ¬¨¸³Åœ¸ ¬¸½ ¢ž¸››¸ ˆÅŸ¸ú ˆÅ¸½ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾. ÷¸£¥¸ ¢›¸¨¸½©¸ ˆÅ¸½ ¸¸¥¸» ¢›¸¨¸½©¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ¥¸¸Š¸÷¸ œ¸£ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
Investments which are held for long term, same are classified as Non Current Investments. Long term investments are stated at
cost. Decline in value of long term investment is recognised, if considered other than temporary. Liquid investments are classified
as a current investment and are stated at cost.

ƒÄ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄΓ¸ ‡¿” ¢¬¸Æ¡¸º¢£’ú¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
D. In case of IDBI Capital Markets & Securities Limited

i. ¢›¸¨¸½©¸¸Ê ˆÅ¸½ Š¸¾£-¸¸¥¸» ‚¸¾£ ¸¸¥¸» ¢›¸¨¸½©¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸½¿ ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¥¸¸ž¸¸¿©¸ ÷¸˜¸¸ ¤¡¸¸¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ‚¸¡¸ ‚¢¸Ä÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ÷¸˜¸¸ œ¸»¿¸úŠ¸÷¸
Ÿ¸»¥¡¸¨¸¼¢Ö ˆ½Å œÏ¡¸¸½¸›¸¸˜¸Ä ‚¢¸Ä÷¸ ÷¸˜¸¸ š¸¸¢£÷¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ‚¸¾£ ‚›¡¸ ¢¨¸î¸ú¡¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ Š¸¾£ ¸¸¥¸» ¢›¸¨¸½©¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ „›¸ˆÅ¸
Ÿ¸»¥¡¸¸¿ˆÅ›¸ „›¸ˆÅú ‚¸Ä›¸ ¥¸¸Š¸÷¸ œ¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. „›¸ˆ½Å Ÿ¸»¥¡¸ Ÿ¸Ê ‚¬˜¸¸¡¸ú ¢Š¸£¸¨¸’ ¬¸½ ¢ž¸››¸ ¢Š¸£¸¨¸’, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¸¸¥¸»
¢›¸¨¸½©¸ ˆÅ¸½ ¥¸¸Š¸÷¸ ¡¸¸ ¤¸¸¸¸£ Ÿ¸»¥¡¸ Ÿ¸Ê ¬¸½ ˆÅŸ¸÷¸£ œ¸£ ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾. Ÿ¸¸ˆ½ÄÅ’ Ÿ¸½ˆÅ£ ˆ½Å ³Åœ¸ Ÿ¸Ê ¤¸¸{¸¸£ ¢›¸Ÿ¸¸Äµ¸ œÏ¢ÇÅ¡¸¸ Ÿ¸Ê ‚¢¸Ä÷¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅ¸½ š¸¸¢£÷¸¸-
‚¨¸¢š¸ œ¸£ š¡¸¸›¸ ¢™¡¸½ ¢¤¸›¸¸ ¸¸¥¸» ¢›¸¨¸½©¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Investments are classified into non-current and current investments. Securities and other financial assets acquired and
held for earning income by way of dividend and interest and for the purpose of capital appreciation are classified as

484 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

non-current investments and are valued at their cost of acquisition. Decline in their value other than temporary, if any, is
recognized. Current investments are carried at lower of cost or market value. Securities acquired in the market making
process as market maker are classified as Current Investments irrespective of the period of holding.

ii. ‚¥œ¸¸¨¸¢š¸ š¸¸¢£÷¸¸ ‚¸¾£ ’ï½¢”¿Š¸ ˆ½Å „Ó½©¡¸ ¬¸½ ‚¢¸Ä÷¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅ¸½ ¢¨¸Ç½Å¡¸ Ÿ¸¸¥¸ ¬¸Ÿ¸¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ „¬¸½ ¸¸¥¸» ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾.
Securities acquired with the intention of short-term holding and trading are considered as stock-in-trade and regarded as
current assets.

iii. ¢¨¸Ç½Å¡¸ Ÿ¸¸¥¸ ª½µ¸ú¨¸¸£ ˆ½Å ³Åœ¸ Ÿ¸Ê š¸¸¢£÷¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅ¸½ ¥¸¸Š¸÷¸ ¡¸¸ ¤¸¸¸¸£/ „¢¸÷¸ Ÿ¸»¥¡¸ Ÿ¸Ê ¬¸½ ˆÅŸ¸÷¸£ œ¸£ Ÿ¸»¥¡¸¸¿¢ˆÅ÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¢¬¸ûÄÅ ‡ˆÅŸ¸º©÷¸ ¥¸½›¸-
™½›¸¸Ê œ¸£ ¢¨¸¸¸£ ˆÅ£÷¸½ íº‡ ž¸¸¢£÷¸ ‚¸¾¬¸÷¸ œÏµ¸¸¥¸ú ˆÅ¸ ‚›¸º¬¸£µ¸ ˆÅ£ ¥¸¸Š¸÷¸ ¢›¸ˆÅ¸¥¸ú ¸¸÷¸ú í¾. ¤¸¸{¸¸£ Ÿ¸»¥¡¸ ˆÅ¸½ ¨¸¸¬÷¸¢¨¸ˆÅ ÇÅ¡¸-¢¨¸ÇÅ¡¸ ˆ½Å ¢¥¸‡ ¤¸¸{¸¸£
ž¸¸¨¸¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ¸í¸¿ ‡½¬¸½ ž¸¸¨¸ „œ¸¥¸¤š¸ ›¸íú¿ íÿ ¨¸í¸Â „¢¸÷¸ Ÿ¸»¥¡¸ ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾, †µ¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½
Ÿ¸Ê, ¬¸Ÿ¸¸›¸ œ¸¢£œ¸Æ¨¸÷¸¸ ‚¸¾£ ¬¸¸‰¸ ¦¬˜¸¢÷¸ ˆÅú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê œ¸£ ‚¸¡¸-œÏ¸¦œ÷¸ ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¾£ ƒ¦Æ¨¸’ú ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê „œ¸¥¸¤š¸ ‚¿¢÷¸Ÿ¸ ÷¸º¥¸›¸-œ¸°¸ ˆ½Å ‚›¸º¬¸¸£
¤Ï½ˆÅ-‚œ¸ Ÿ¸»¥¡¸ ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. œÏ÷¡¸½ˆÅ œÏ¢÷¸ž¸»¢÷¸ ˆÅ¸½ ‚¥¸Š¸-‚¥¸Š¸ Ÿ¸»¥¡¸¸¿¢ˆÅ÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. œÏ÷¡¸½ˆÅ œÏ¢÷¸ž¸»¢÷¸ ˆ½Å ¢¥¸‡ Ÿ¸»¥¡¸Ý¸¬¸,
¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆÅ¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ Ÿ¸»¥¡¸¨¸¼¢Ö, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ÷¸¸½ „¬¸½ Ž¸½”õ ¢™¡¸¸ ¸¸÷¸¸ í¾.
Securities held as stock-in-trade category wise are valued at lower of cost or market/fair value. Cost is derived by
following the weighted average method considering only outright transactions. Market value is determined based on
market quotes for actual trades and where such quotes are not available, fair value is determined, in the case of debt
securities, with reference to yields on securities of similar maturity and credit standing, and in the case of equities,
with reference to the break-up value as per the last available balance sheet. Each security is valued individually. The
depreciation, if any, for each security is provided and the appreciation, if any, is ignored.

iv. ¢›¸¨¸½©¸ ˆ½Å ³Åœ¸ Ÿ¸Ê š¸¸¢£÷¸ ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê œ¸£ œÏ™î¸ œÏú¢Ÿ¸¡¸Ÿ¸ ˆÅ¸½ ¢¥¸‰¸÷¸ ˆÅú ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ œ¸¢£©¸¸½¢š¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Premium paid on government securities held as investment is amortized over the tenor of the instrument.

„ . ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‡Ÿ¸‡ûÅ ’﬒ú ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

E. In case of IDBI MF Trustee Company Limited
¢›¸¨¸½©¸ / Investments
¢›¸¨¸½©¸¸½¿ ˆÅ¸½ Š¸¾£-¸¸¥¸» ‚¸¾£ ¸¸¥¸» ¢›¸¨¸½©¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¥¸¸ž¸¸¿©¸ ‚¸¾£ ¤¡¸¸¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ‚¸¡¸ ‚¢¸Ä÷¸ ˆÅ£›¸½ ÷¸˜¸¸ œ¸»¿¸ú Ÿ¸»¥¡¸¨¸¼¢Ö ˆ½Å œÏ¡¸¸½¸›¸ ˆ½Å ¢¥¸‡
‚¢¸Ä÷¸ ‚¸¾£ š¸¸¢£÷¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸½¿ ‚¸¾£ ‚›¡¸ ¢¨¸î¸ú¡¸ ‚¸¢¬÷¸¡¸¸½¿ ˆÅ¸½ Š¸¾£-¸¸¥¸» ¢›¸¨¸½©¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ‚¢š¸ŠÏíµ¸ ˆÅú „›¸ˆÅú ¥¸¸Š¸÷¸ œ¸£
Ÿ¸»¥¡¸¸¿¢ˆÅ÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‚¬˜¸¸¡¸ú ˆ½Å ‚¥¸¸¨¸¸ „›¸ˆ½Å Ÿ¸»¥¡¸ Ÿ¸Ê ¢Š¸£¸¨¸’, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆÅ¸½ ¢¸¦›í÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¸¸¥¸» ¢›¸¨¸½©¸ ˆÅ¸½ ¥¸¸Š¸÷¸ ¡¸¸ ¤¸¸¸¸£ Ÿ¸»¥¡¸ ¬¸½
ˆÅŸ¸÷¸£ œ¸£ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
Investments are classified into non-current and current investments. Securities and other financial assets acquired and held
for earning income by way of dividend and interest and for the purpose of capital appreciation are classified as non-current
investments and are valued at their cost of acquisition. Decline in their value other than temporary, if any, is recognized. Current
investments are carried at lower of cost or market value.

7 ¨¡¸º÷œ¸››¸ ¥¸½›¸™½›¸ / Derivative Transactions

``¨¡¸º÷œ¸››¸ ¥¸½›¸™½›¸¸½¿ Ÿ¸Ê ¨¸¸¡¸™¸ ¬¸¿¢¨¸™¸, ¬¨¸¾œ¸ ‚¸¾£ ¢¨¸ˆÅ¥œ¸ ©¸¸¢Ÿ¸¥¸ í¸½÷¸½ íÿ ¢¸›íÊ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‚¸½¿ ˆ½Å ³Åœ¸ Ÿ¸Ê œÏˆÅ’ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¨¸¸¡¸™¸, ¬¨¸¾œ¸ ‚¸¾£ ¢¨¸ˆÅ¥œ¸ ˆÅ¸½ ’ï½¢”¿Š¸
¡¸¸ í½¸ ¥¸½›¸™½›¸¸½¿ ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.''
“Derivative transactions comprise of forward contracts, swaps and options which are disclosed as contingent liabilities. The forwards,
swaps and options are categorized as trading or hedge transactions.”

`í½¸' ˆ½Å ³Åœ¸ Ÿ¸Ê ›¸¸¢Ÿ¸÷¸ ¥¸½›¸™½›¸¸Ê Ÿ¸Ê

In Transactions designated as ‘Hedge’
ˆÅ) ÷¸º¥¸›¸ œ¸°¸ ˆÅú ‚¸¦¬÷¸¡¸¸Ê ‚¸¾£ ™½¡¸÷¸¸‚¸½¿ ˆÅ¸½ í½¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ™¸Ä ¢ˆÅ‡ Š¸‡ ¬¨¸¾œ¸ ‚›¸º¤¸¿š¸¸Ê ˆÅ¸½ ƒ¬¸ ÷¸£í ¬¸½ ¬¸¿£¢¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢ˆÅ ¨¸½ ‚¿÷¸¢›¸Ä¢í÷¸ ÷¸º¥¸›¸ œ¸°¸ ˆÅú
Ÿ¸™¸Ê ˆ½Å ¬¸¸˜¸ ¢¨¸œ¸£ú÷¸ ‚¸¾£ ‚¸ÁûŬ¸½¢’¿Š¸ œÏž¸¸¨¸ ”¸¥¸÷¸½ íÿ. ‡½¬¸½ ¨¡¸º÷œ¸››¸ ¢¥¸‰¸÷¸¸Ê ˆÅ¸ œÏž¸¸¨¸ ‚¿÷¸¢›¸Ä¢í÷¸ ‚¸¦¬÷¸¡¸¸Ê ‚¸¾£ ™½¡¸÷¸¸‚¸½¿ ˆ½Å ¤¸™¥¸¸¨¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ í¾ ‚¸¾£ í½¸
¥¸½‰¸¸¿ˆÅ›¸ ˆ½Å ¢¬¸Ö¸¿÷¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾. ¤¸ÿˆÅ ¥¸½›¸-™½›¸ ˆÅú ©¸º²‚¸÷¸ Ÿ¸Ê íú í½¸ Ÿ¸™ (‚¸¦¬÷¸ ¡¸¸ ™½¡¸÷¸¸) ˆÅú œ¸í¸¸›¸ ˆÅ£÷¸¸ í¾.
a) The swap contracts entered to hedge on-balance sheet assets and liabilities are structured such that they bear an opposite and
offsetting impact with the underlying on-balance sheet items. The impact of such derivative instruments is correlated with the
movement of underlying assets and liabilities and accounted pursuant to the principles of hedge accounting. The Bank identifies
the hedged item (asset or liability) at the inception of the transaction itself.

dm{f©H$ [anmoQ>© Annual Report 2023-24 485

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

ˆÅ) ¨¡¸º÷œ¸››¸ ¥¸½›¸-™½›¸¸½¿ œ¸£ ž¸ºŠ¸÷¸¸›¸ ¡¸¸½Š¡¸/ œÏ¸œ¡¸ ¢›¸¨¸¥¸ ¤¡¸¸¸ ˆÅú Š¸µ¸›¸¸ „œ¸¸¡¸ ‚¸š¸¸£ œ¸£ ˆÅú ¸¸÷¸ú í¾.
b) Net interest payable/ receivable on derivative transactions is accounted on accrual basis.

Š¸) í½¸ ¬¨¸¾œ¸¸Ê ˆ½Å ¢›¸¡¸÷¸ ¬¸Ÿ¸¡¸œ¸»¨¸Ä ¬¸Ÿ¸¸œ÷¸ í¸½›¸½ œ¸£ ¢ˆÅ¬¸ú ¥¸¸ž¸/ í¸¢›¸ ˆÅ¸½ ¬¨¸¾œ¸ ˆÅú ©¸½«¸ ¬¸¿¢¨¸™¸÷Ÿ¸ˆÅ ‚¨¸¢š¸ ¡¸¸ ‚¸¦¬÷¸/ ™½¡¸÷¸¸ ˆÅú ©¸½«¸ ‚¨¸¢š¸, ¸¸½ ž¸ú ˆÅŸ¸ í¸½, ˆ½Å ‚¸š¸¸£
œ¸£ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
c) On premature termination of hedge swaps, any profits/ losses are recognised over the remaining contractual life of the swap or
the residual life of the asset/ liability whichever is lesser.

‹¸) ‚¿÷¸¢›¸Ä¢í÷¸ ™½¡¸÷¸¸ Ÿ¸½¿ œ¸¢£¨¸÷¸Ä›¸ ¬¸½ í½¸¬¨¸¾œ¸¸½¿ ˆÅ¸½ œ¸º›¸À ‚¢ž¸›¸¸¢Ÿ¸÷¸ ˆÅ£›¸½ ˆÅ¸½ ‡ˆÅ í½¸ ˆÅú ¬¸Ÿ¸¸¢œ÷¸ ‚¸¾£ ™»¬¸£½ ˆÅ¸ ‚¸Ä›¸ Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾.
d) Re-designation of hedge swaps by change of underlying liability is accounted as the termination of one hedge and acquisition
of another.

Œ) í½¸ ˆÅú œÏž¸¸¨¸©¸ú¥¸÷¸¸ ˆÅ¸ œ¸÷¸¸ í½¸ ˆÅú ©¸º²‚¸÷¸ ˆ½Å ¬¸Ÿ¸¡¸ ‚¸¾£ „¬¸ˆ½Å ¤¸¸™ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ¥¸Š¸¸¡¸¸ ¸¸÷¸¸ í¾. 26 ¸»›¸ 2019 ˆÅ¸½ ¸¸£ú ‚¸£¤¸ú‚¸ƒÄ ˆ½Å œ¸¢£œ¸°¸ ˆ½Å
‚¸š¸¸£ œ¸£ 26 ¸»›¸ 2019 ˆ½Å ¤¸¸™ ¬˜¸¸¢œ¸÷¸ í½¸ ¬¸¿¤¸¿š¸¸Ê ˆÅ¸ ¥¸½‰¸¸¿ˆÅ›¸ ‚¸ƒÄ¬¸ú‡‚¸ƒÄ ׸£¸ ¸¸£ú ¨¡¸º÷œ¸››¸ ¬¸¿¢¨¸™¸‚¸Ê ˆ½Å ¥¸½‰¸¸¿ˆÅ›¸ œ¸£ Ÿ¸¸Š¸Ä™©¸Ä›¸ ›¸¸½’ ˆ½Å ‚›¸º¬¸¸£ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾. „¬¸ ¢÷¸¢˜¸ ¬¸½ œ¸í¥¸½ ¬˜¸¸¢œ¸÷¸ í½¸ ¢£©÷¸¸Ê ˆ½Å ÷¸í÷¸ ¬¨¸¾œ¸ ˆÅ¸ ¢í¬¸¸¤¸ „œ¸¸¡¸ ‚¸š¸¸£ œ¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ¤¸¸{¸¸£ Ÿ¸»¥¡¸ ˆÅ¸½ ¤¸íú Ÿ¸Ê ™¸Ä ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸
í¾ ¸¤¸ ÷¸ˆÅ ¢ˆÅ ‚¿÷¸¢›¸Ä¢í÷¸ ˆÅ¸ ¤¸¸{¸¸£ Ÿ¸»¥¡¸ ž¸ú ¤¸íú Ÿ¸Ê ™¸Ä ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¤¸¸{¸¸£ Ÿ¸»¥¡¸ ˆÅ¸½ ¤¸íú Ÿ¸Ê ™¸Ä ¢ˆÅ¡¸½ Š¸¡¸½ í½¸ ‚›¸º¤¸¿š¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê, ¤¸¸{¸¸£ Ÿ¸»¥¡¸ Ÿ¸Ê
œ¸¢£¨¸÷¸Ä›¸ ˆÅ¸½ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
e) Hedge effectiveness is ascertained at the time of the inception of the hedge and periodically thereafter. Based on the RBI circular
issued on June 26, 2019, the accounting of hedge relationships established after June 26, 2019 is in accordance with the
Guidance note on Accounting for Derivative Contracts issued by ICAI. The swaps under hedge relationships established prior
to that date are accounted on an accrual basis and are not marked to market unless the underlying is also marked to market. In
respect of hedge contracts that are marked to market, changes in the market value are recognized in the profit and loss account.

`’ï½¢”¿Š¸' ˆ½Å ³Åœ¸ Ÿ¸Ê ›¸¸¢Ÿ¸÷¸ ¥¸½›¸-™½›¸¸Ê Ÿ¸Ê / In Transactions designated as ‘Trading’
ˆÅ) `’ï½¢”¿Š¸' ˆ½Å ³Åœ¸ Ÿ¸Ê ›¸¸¢Ÿ¸÷¸ ¤¸ˆÅ¸¡¸¸ ¨¡¸º÷œ¸››¸ ¥¸½›¸-™½›¸¸Ê ˆÅú Š¸µ¸›¸¸ „›¸ˆ½Å „¢¸÷¸ Ÿ¸»¥¡¸ œ¸£ ˆÅú ¸¸÷¸ú í¾ ¢¸›¸Ÿ¸Ê ¤¡¸¸¸ ™£ ¬¨¸¾œ¸, œ¸£¬œ¸£ Ÿ¸ºÍ¸ ¬¨¸¾œ¸, œ¸£¬œ¸£ Ÿ¸ºÍ¸ ¢¨¸ˆÅ¥œ¸
‡¨¸¿ †µ¸ ¸»ˆÅ ¬¨¸¾œ¸ ©¸¸¢Ÿ¸¥¸ íÿ. ƒ¬¸ˆ½Å ûÅ¥¸¬¨¸³Åœ¸ íº‡ ¥¸¸ž¸/ í¸¢›¸ ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¢¨¸ˆÅ¥œ¸¸Ê œ¸£ œÏú¢Ÿ¸¡¸Ÿ¸ ˆÅ¸½ ÷¸º¥¸›¸-œ¸°¸ ˆÅú Ÿ¸™ ˆ½Å
³Åœ¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ƒ¬¸½ œ¸¢£œ¸Æ¨¸÷¸¸/ ¢›¸£¬÷¸ í¸½›¸½ œ¸£ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ‚¿÷¸¢£÷¸ ˆÅ£ ¢™¡¸¸ ¸¸÷¸¸ í¾.
a) Outstanding derivative transactions designated as ‘Trading’, which includes interest rate swaps, cross currency swaps, cross
currency options and credit default swaps, are measured at their fair value. The resulting profits/ losses are included in the
profit and loss account. Premium on options is recorded as a balance sheet item and transferred to Profit and Loss Account on
maturity/ cancellation.

‰¸) ‡Æ¬¸Ê¸ ’ï½”½” ˆÅ£Ê¬¸ú É¡¸»¸¬¸Ä (ƒÄ’ú¬¸ú‡ûöÅ) ‰¸¿” Ÿ¸Ê ’ï½¢”¿Š¸ ˆ½Å ¢¥¸‡ ›¸¸¢Ÿ¸÷¸ ¨¡¸º÷œ¸››¸ ¥¸½›¸-™½›¸¸Ê Ÿ¸Ê Ÿ¸ºÍ¸ É¡¸»¸¬¸Ä, Ÿ¸ºÍ¸ ‚¸Áœ©¸›¸ ‚¸¾£ ¤¡¸¸¸ ™£ É¡¸»¸¬¸Ä ©¸¸¢Ÿ¸¥¸
íÿ, ¢¸›¸ˆÅú Š¸µ¸›¸¸ „›¸ˆ½Å „¢¸÷¸ Ÿ¸»¥¡¸ œ¸£ ˆÅú ¸¸÷¸ú í¾ ‚¸¾£ „›¸ˆÅ¸ ›¸ˆÅ™ú ¢›¸œ¸’¸›¸ ’ú+1 ‚¸š¸¸£ œ¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ƒ›¸ ¥¸½›¸-™½›¸¸Ê ¬¸½ íº‡ ¥¸¸ž¸/í¸¢›¸ ˆÅ¸½ ¬¸¿¤¸¿¢š¸÷¸
‡Æ¬¸¸Ê¸¸Ê ׸£¸ ¢›¸š¸¸Ä¢£÷¸ ˆÅú Š¸ƒÄ Ÿ¸¸í ˆ½Å ‚¿÷¸ ˆÅú ¢›¸œ¸’¸›¸ ÷¸¸£ú‰¸ ˆÅ¸½ ¥¸¸ž¸- í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ‚¿÷¸¢£÷¸ ˆÅ£ ¢™¡¸¸ ¸¸÷¸¸ í¾.
b) Derivative Transactions in Exchange Traded Currency Futures (ETCF’s) segments designated as trading includes Currency
Futures, Currency Options and Interest Rate Futures which are measured at their fair value and are cash settled on T+1 basis.
The resulting profits / losses on these transactions are transferred to Profit and Loss Account on the month end settlement date
stipulated by Respective Exchanges.

Š¸) ``’ï½¢”¿Š¸'' ˆ½Å ³Åœ¸ Ÿ¸Ê ›¸¸¢Ÿ¸÷¸ ²Åœ¸¡¸¸ ¨¡¸º÷œ¸››¸ œ¸£ ‚¸¡¸ ˆÅ¸½ ¨¸¬¸»¥¸ú ‚¸š¸¸£ œ¸£ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾.
c) Income on Rupee Derivatives designated as “Trading” is recognised in the Profit and Loss Account on realisation basis.

‹¸) ¨¡¸º÷œ¸››¸ ¬¸¿¢¨¸™¸‚¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ˆÅ¸½ƒÄ ž¸ú œÏ¸œ¡¸£¸¢©¸, ¸¸½ 90 ¢™›¸ ¬¸½ ‚¢š¸ˆÅ ‚¢÷¸™½¡¸ £í÷¸ú í¾, ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ ˆ½Å ¸¢£¡¸½ ``„¸¿÷¸ ‰¸¸÷¸¸ ¢ÇŬ’¥¸úˆ¼Å÷¸
œÏ¸œ¡¸£¸¢©¸¡¸¸Ê'', Ÿ¸Ê ¢£¨¸¬¸Ä ˆÅ£ ¢™¡¸¸ ¸¸÷¸¸ í¾.
d) Any receivable under derivative contracts, which remain overdue for more than 90 days, are reversed through Profit and Loss
Account to “Suspense Account Crystallised Receivables”.

‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄΓ¸ ‡¿” ¢¬¸Æ¡¸º¢£’ú¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê /Å In case of IDBI Capital Markets & Securities Limited

ˆÅ. É¡¸»¸¬¸Ä ‡¨¸¿ ¢¨¸ˆÅ¥œ¸¸½¿ Ÿ¸Ê ¥¸½›¸™½›¸

A. Transactions in Futures and Options
i. É¡¸»¸¬¸Ä ¬¸¿¢¨¸™¸ / ¢¨¸ˆÅ¥œ¸¸Ê ˆÅú ¢¤¸ÇÅú ˆÅ£÷¸½ ¬¸Ÿ¸¡¸ ™½¡¸ œÏ¸£¿¢ž¸ˆÅ Ÿ¸¸¢¸Ä›¸ ˆÅ¸½ ¬¸¸¨¸¢š¸ ¸Ÿ¸¸, ›¸ˆÅ™ ¸Ÿ¸¸ ‚¸¾£ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ‡Æ¬¸¸Ê¸¸Ê ˆ½Å œ¸¸¬¸ ¸Ÿ¸¸
ˆ½Å ¬¸¸˜¸ ¬¸Ÿ¸¸¡¸¸½¢¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.

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 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

Initial Margin payable at the time of entering into futures contract / sale of options is adjusted against the deposits with
the exchanges in the form of fixed deposits, cash deposits and securities.

ii. É¡¸»¸£ ¬¸¿¢¨¸™¸‚¸½¿ Ÿ¸Ê ¥¸½›¸-™½›¸¸½¿ ˆÅ¸½ ¬¸¿¢¨¸™¸ ˆ½Å ˆÅ¦¥œ¸÷¸ ¨¡¸¸œ¸¸£ Ÿ¸»¥¡¸ œ¸£ ‰¸£ú™ ‚¸¾£ ¢¤¸ÇÅú ˆ½Å ³Åœ¸ Ÿ¸Ê ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾. ÷¸º¥¸›¸ œ¸°¸ ˆÅú ¢÷¸¢˜¸ ˆÅ¸½
É¡¸»¸¬¸Ä Ÿ¸Ê ‰¸º¥¸ú ¬¸¿¢¨¸™¸ ˆÅ¸½ ƒ¬¸ˆ½Å ˆÅ¦¥œ¸÷¸ Ÿ¸»¥¡¸ ¬¸½ ‹¸’¸¡¸¸ ¸¸÷¸¸ í¾.
Transactions in Future contracts are accounted as Purchase and Sales at the notional trade value of the contract. The
open interest in futures as at the Balance Sheet date is netted by its notional value.

iii. ¢œ¸Ž¥¸½ ¢™›¸ ˆ½Å ¢›¸œ¸’¸›¸ Ÿ¸»¥¡¸ ¡¸¸ ‡Æ¬¸¸Ê¸ Æ¥¸¸½¢¸¿Š¸ Ÿ¸»¥¡¸ ‚¸¾£ ¤¸¸™ ˆ½Å ¢™›¸ ˆ½Å ‡Æ¬¸¸Ê¸ Æ¥¸¸½¢¸¿Š¸ Ÿ¸»¥¡¸ Ÿ¸Ê ‡Æ¬¸¸Ê¸ ˆÅ¸½ ¢ˆÅ‡ Š¸‡ ¡¸¸ œÏ¸œ÷¸ ž¸ºŠ¸÷¸¸›¸
‚¿÷¸£ ˆÅ¸½ Ÿ¸¸ˆÄÅ ’» Ÿ¸¸ˆ½ÄÅ’ Ÿ¸¸¢¸Ä›¸ ˆ½Å ³Åœ¸ Ÿ¸Ê Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾. Ÿ¸¸ˆÄÅ ’» Ÿ¸¸ˆ½ÄÅ’ Ÿ¸¸¢¸Ä›¸ ‰ö¸¸÷¸½ Ÿ¸Ê ©¸½«¸, ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ÷¸ˆÅ É¡¸»¸¬¸Ä ¬¸¿¢¨¸™¸‚¸½¿ Ÿ¸Ê ‰¸º¥¸ú
¬¸¿¢¨¸™¸ ˆÅú ˆÅúŸ¸÷¸¸Ê Ÿ¸Ê ¤¸™¥¸¸¨¸ ˆ½Å ‚¸š¸¸£ œ¸£ ž¸ºŠ¸÷¸¸›¸ ¡¸¸ œÏ¸œ÷¸ ˆÅú Š¸ƒÄ ¢›¸¨¸¥¸ £¸¢©¸ ˆÅ¸½ ™©¸¸Ä÷¸¸ í¾. Ÿ¸¸ˆÄÅ ’» Ÿ¸¸ˆ½ÄÅ’ Ÿ¸¸¢¸Ä›¸ ‰ö¸¸÷¸½ Ÿ¸Ê ¢›¸¨¸¥¸ ›¸¸Ÿ¸½ ©¸½«¸ ˆÅ¸½
£¸¸¬¨¸ ¬¸½ œÏž¸¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸¢ˆÅ ¢›¸¨¸¥¸ ¸Ÿ¸¸ ©¸½«¸ ˆÅ¸½ ¸¸¥¸» ™½¡¸÷¸¸‚¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾.
The difference in the settlement price or exchange closing price of the previous day and exchange closing price of the
subsequent day, paid to or received from the exchange is treated as Mark to Market Margin. The balance in the Mark
to Market Margin Account represents the net amount paid or received on the basis of movement in the prices of open
interest in futures contracts till the balance sheet date. Net debit balance in the Mark to Market Margin Account is charged
off to revenue whereas net credit balance is shown under current liabilities.

iv. ¢¨¸ˆÅ¥œ¸¸Ê ˆÅú ‰¸£ú™ ‚¸¾£ ¢¤¸ÇÅú œ¸£ ž¸ºŠ¸÷¸¸›¸ ¡¸¸ œÏ¸œ÷¸ œÏú¢Ÿ¸¡¸Ÿ¸ ‚¸¾£ ¢¨¸ˆÅ¥œ¸¸Ê ˆ½Å œÏ¡¸¸½Š¸ œ¸£ ž¸ºŠ¸÷¸¸›¸ ¡¸¸ œÏ¸œ÷¸ ‚¿÷¸£ ˆÅ¸½ ‰¸£ú™ ¡¸¸ ¢¤¸ÇÅú ˆ½Å ³Åœ¸ Ÿ¸Ê ¢Š¸›¸¸
¸¸÷¸¸ í¾. ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ¤¸½¸½ Š¸‡ ¢¨¸ˆÅ¥œ¸¸Ê Ÿ¸Ê ‰¸º¥¸ú ¬¸¿¢¨¸™¸ ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê, „¬¸ £¸¢©¸ ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢¸¬¸ˆ½Å ׸£¸ ÷¸º¥¸›¸ œ¸°¸ ˆÅú
÷¸¸£ú‰¸ ˆÅ¸½ œÏ¸¢¥¸÷¸ œÏú¢Ÿ¸¡¸Ÿ¸ „›¸ ¢¨¸ˆÅ¥œ¸¸Ê ˆ½Å ¢¥¸‡ œÏ¸œ÷¸ œÏú¢Ÿ¸¡¸Ÿ¸ ¬¸½ ‚¢š¸ˆÅ í¸½ ¸¸÷¸¸ í¾. ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ œÏ¸¢¥¸÷¸ œÏú¢Ÿ¸¡¸Ÿ¸ ¬¸½ ‚¢š¸ˆÅ œÏ¸œ÷¸
œÏú¢Ÿ¸¡¸Ÿ¸ ˆÅ¸½ Ÿ¸¸›¡¸÷¸¸ ›¸íú¿ ™ú ¸¸÷¸ú í¾. ƒ¬¸ú ÷¸£í, ‰¸£ú™½ Š¸‡ ¢¨¸ˆÅ¥œ¸¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê, „¬¸ £¸¢©¸ ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢¸¬¸ˆ½Å ׸£¸ ¢¨¸ˆÅ¥œ¸ ˆ½Å
¢¥¸‡ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ œÏú¢Ÿ¸¡¸Ÿ¸ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ œÏ¸¢¥¸÷¸ œÏú¢Ÿ¸¡¸Ÿ¸ ¬¸½ ‚¢š¸ˆÅ í¸½ ¸¸÷¸¸ í¾ ‚¸¾£ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ‡ Š¸‡ œÏú¢Ÿ¸¡¸Ÿ¸ œ¸£ ÷¸º¥¸›¸ œ¸°¸ ˆÅú
÷¸¸£ú‰¸ ˆÅ¸½ œÏ¸¢¥¸÷¸ œÏú¢Ÿ¸¡¸Ÿ¸ ˆÅú ‚¢š¸ˆÅ÷¸¸ ˆÅ¸½ „œ¸½¢®¸÷¸ ˆÅ£ ¢™¡¸¸ ¸¸÷¸¸ í¾. ˆÅƒÄ ‰¸º¥¸ú ¦¬˜¸¢÷¸¡¸¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê, ‰¸£ú™ ‚¸¾£ ¢¤¸ÇÅú ˆÅú ¦¬˜¸¢÷¸ Ÿ¸Ê ©¸½«¸ £¸¢©¸
ˆÅ¸½ ‹¸’¸›¸½ ˆ½Å ¤¸¸™ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¡¸¸ ‚¢÷¸¢£Æ÷¸ œÏú¢Ÿ¸¡¸Ÿ¸ ˆÅ¸½ „œ¸½¢®¸÷¸ ˆÅ£ ¢™¡¸¸ ¸¸÷¸¸ í¾.
Premium paid or received on purchase and sale of options and the difference paid or received on exercise of options is
accounted as Purchases or Sales. In case of open interest in options sold as on the balance sheet date, provision is made
for the amount by which premium prevailing on the Balance Sheet date exceeds the premium received for those options.
The excess of premium received over the premium prevailing on the Balance Sheet date is not recognised. Similarly, in
case of options bought, provision is made for the amount by which the premium paid for the option exceeds the premium
prevailing on the Balance Sheet date and the excess of premium prevailing on the Balance Sheet date over the premium
paid is ignored. In case of multiple open positions, provision is made or excess premiums are ignored after netting off the
balances in buy as well as sell positions.

‰¸. ¤¡¸¸¸ ™£ ¬¨¸¾œ¸

B. Interest Rate Swaps
‚¸¦¬÷¸ ‚¸¾£ ™½¡¸÷¸¸‚¸Ê Ÿ¸Ê œÏ¸˜¸¢Ÿ¸ˆÅ ”ú¥¸£¢©¸œ¸ ¬¸¿¸¸¥¸›¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¤¸¿™ ¢ˆÅ‡ Š¸‡ œ¸¢£¸¸¥¸›¸¸Ê ˆ½Å ¤¡¸¸¸ ™£ ¬¨¸¾œ¸ ˆÅú ˆÅ¦¥œ¸÷¸ Ÿ¸»¥¸ £¸¢©¸ ˆÅ¸½ ‹¸’¸¡¸¸ ¸¸÷¸¸ í¾. ¤¡¸¸¸
™£ ¬¨¸¾œ¸ œ¸£ ¥¸¸ž¸ ¡¸¸ í¸¢›¸ ¬¸¿¢¨¸™¸ ˆÅú ©¸÷¸¸½ô ˆ½Å ‚›¸º¬¸¸£ ¢›¸¡¸÷¸ ÷¸¸£ú‰¸¸Ê œ¸£ Š¸µ¸›¸¸ ˆÅú ¸¸÷¸ú í¾.
Assets and Liabilities in respect of notional principal amount of Interest Rate Swaps of the discontinued operations pertaining to
Primary Dealership operations are netted. Gain or loss on Interest Rate Swaps is accounted for on due dates as per the terms
of the contract.

8 œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ œÏ¸œ÷¸ ®¸½°¸ ˆ½Å †µ¸ œÏŸ¸¸µ¸ œ¸°¸ / Priority Sector Lending Certificates
¤¸ÿˆÅ œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ œÏ¸œ÷¸ ®¸½°¸ ˆ½Å †µ¸ œÏŸ¸¸µ¸œ¸°¸ (œ¸ú‡¬¸‡¥¸¬¸ú) ˆÅú ¢¤¸ÇÅú ¡¸¸ ‰¸£ú™ ¥¸½›¸™½›¸ ˆÅ£÷¸¸ í¾. ¢¤¸ÇÅú ¥¸½›¸™½›¸ ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê, ¤¸ÿˆÅ ‚¸£¤¸ú‚¸ƒÄ ’ï½¢”¿Š¸ œ¥¸½’ûŸÁŸ¸Ä ˆ½Å Ÿ¸¸š¡¸Ÿ¸
¬¸½ œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ œÏ¸œ÷¸ ®¸½°¸ ˆ½Å ™¸¢¡¸÷¨¸¸Ê ˆÅú œ¸»¢÷¸Ä ¤¸½¸÷¸¸ í¾ ‚¸¾£ ‰¸£ú™ ¥¸½›¸™½›¸ ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ¤¸ÿˆÅ œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ œÏ¸œ÷¸ ®¸½°¸ ˆ½Å ™¸¢¡¸÷¨¸ ˆÅú œ¸»¢÷¸Ä ‰¸£ú™÷¸¸ í¾. ¸¸½¢‰¸Ÿ¸ ¡¸¸ †µ¸
‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ ˆÅ¸½ƒÄ ‚¿÷¸£µ¸ ›¸íú¿ í¸½÷¸¸ í¾. œ¸ú‡¬¸‡¥¸¬¸ú ˆÅú ¢¤¸ÇÅú ¬¸½ œÏ¸œ÷¸ ©¸º¥ˆÅ ˆÅ¸½ ¢¨¸¢¨¸š¸ ‚¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™¸Ä ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ œ¸ú‡¬¸‡¥¸¬¸ú ˆÅú ‰¸£ú™ ˆ½Å ¢¥¸‡ ž¸ºŠ¸÷¸¸›¸
¢ˆÅ¡¸½ Š¸¡¸½ ©¸º¥ˆÅ ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê ‚›¡¸ ¨¡¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™¸Ä ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ƒ›íÊ œÏŸ¸¸µ¸œ¸°¸ ˆÅú ‚¨¸¢š¸ Ÿ¸Ê œ¸¢£©¸¸½¢š¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
The Bank enters into transactions for the sale or purchase of Priority Sector Lending Certificates (PSLCs). In the case of a sale
transaction, the Bank sells the fulfilment of priority sector obligation and in the case of a purchase transaction the Bank buys the
fulfilment of priority sector obligation through the RBI trading platform. There is no transfer of risks or loan assets. The fee received for
the sale of PSLCs is recorded as miscellaneous income and the fee paid for purchase of the PSLCs is recorded as other expenditure
in Profit and Loss Account. These are amortised over the period of the Certificate.

dm{f©H$ [anmoQ>© Annual Report 2023-24 487

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

9 ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸¿ ‡¨¸¿ Ÿ¸»¥¡¸Ý¸¬¸ / Fixed Assets and Depreciation

‚. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

A. In case of IDBI Bank Limited

i. ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸Ê, œ¸¢£¬¸£ ˆÅ¸½ Ž¸½”õˆÅ£, ˆÅ¸½ ¬¸¿¢¸÷¸ Ÿ¸»¥¡¸Ý¸¬¸ ‹¸’¸ˆÅ£ ¥¸¸Š¸÷¸ œ¸£ ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾. œ¸¢£¬¸£ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¤¸ÿˆÅ ˆÅú ›¸ú¢÷¸ ÷¸˜¸¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ
ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ „¬¸½ ¬¸¿¢¸÷¸ Ÿ¸»¥¡¸Ý¸¬¸ ‹¸’¸ˆÅ£ œ¸º›¸Ÿ¸»Ä¥¡¸¸¿¢ˆÅ÷¸ £¸¢©¸ œ¸£ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
Fixed assets other than Premises are stated at cost less accumulated depreciation. Premises are revalued in
accordance with the Bank’s policy and the RBI guidelines and the same are stated at revalued amount less accumulated
depreciation.

ii. œ¸Ø¸ š¸¸¢£÷¸ œ¸¢£¬¸£ Ÿ¸Ê ¬¸ºš¸¸£ ˆÅ¸½ ¥¸ú¸ ˆÅú ©¸½«¸ œÏ¸˜¸¢Ÿ¸ˆÅ ‚¨¸¢š¸ Ÿ¸Ê œÏž¸¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Improvements to lease hold premises are charged off over the remaining primary period of lease.

iii. ‚¸¦¬÷¸ ˆÅú ¥¸¸Š¸÷¸ Ÿ¸Ê ÇÅ¡¸ ¥¸¸Š¸÷¸ ‚¸¾£ „œ¸¡¸¸½Š¸ Ÿ¸Ê ¥¸¸›¸½ ¬¸½ œ¸»¨¸Ä ‚¸¦¬÷¸ œ¸£ „œ¸Š¸÷¸ ¬¸ž¸ú ¨¡¸¡¸ ©¸¸¢Ÿ¸¥¸ í¸½÷¸½ íÿ. „œ¸¡¸¸½Š¸ Ÿ¸Ê ¥¸¸¡¸½ ¸¸›¸½ ˆ½Å ¤¸¸™ ‚¸¦¬÷¸¡¸¸Ê œ¸£
„œ¸Š¸÷¸ ‚›¸º¨¸÷¸úÄ ¨¡¸¡¸ ˆÅ¸½ ÷¸ž¸ú œ¸»¿¸úˆ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ¨¸í ‡½¬¸ú ‚¸¦¬÷¸¡¸¸Ê ¬¸½ ž¸¸¨¸ú ¥¸¸ž¸ ¡¸¸ „›¸ˆÅú ˆÅ¸¡¸Ä®¸Ÿ¸÷¸¸ ¤¸õ¸÷¸¸ í¾.
Cost of asset includes purchase cost and all expenditure incurred on the asset before put to use. Subsequent expenditure
incurred on assets which have been put to use is capitalized only when it increases the future benefits from such assets
or their functioning capability.

iv. œ¸º›¸Ÿ¸»Ä¥¡¸›¸ œ¸£ ¨¸¼¢Ö, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆÅ¸½ œ¸º›¸Ÿ¸»Ä¥¡¸›¸ ¢£{¸¨¸Ä Ÿ¸Ê ¸Ÿ¸¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
The appreciation on revaluation, if any, is credited to Revaluation Reserve.

v. ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê Ÿ¸»¥¡¸Ý¸¬¸ ˆÅú Š¸µ¸›¸¸ ¥¸¸Š¸÷¸ ‚˜¸¨¸¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å œ¸º›¸Ÿ¸»Ä¥¡¸¸¿ˆÅ›¸ ˆÅú ¦¬˜¸¢÷¸ Ÿ¸Ê œ¸º›¸Ÿ¸»Ä¥¡¸¸¿¢ˆÅ÷¸ £¸¢©¸¡¸¸Ê œ¸£ ¬¸úš¸ú £½‰¸¸ œ¸Ö¢÷¸
¬¸½ ˆÅú ¸¸÷¸ú í¾.
Depreciation in respect of fixed assets is calculated on Straight Line Method with reference to cost or revalued amounts,
in case of assets revalued.

vi. œ¸º›¸Ÿ¸»Ä¥¡¸¸¿¢ˆÅ÷¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê, œ¸º›¸Ÿ¸»Ä¥¡¸›¸ ˆ½Å ûÅ¥¸¬¨¸³Åœ¸ ‚¢÷¸¢£Æ÷¸ Ÿ¸»¥¡¸Ý¸¬¸ ˆÅ¸½ ÷¸º¥¸›¸-œ¸°¸ Ÿ¸Ê œ¸º›¸Ÿ¸»Ä¥¡¸›¸ ¢£{¸¨¸Ä ¬¸½ ¬¸¸Ÿ¸¸›¡¸ ¢£{¸¨¸Ä Ÿ¸Ê ‚¿÷¸¢£÷¸
¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
In respect of revalued assets, the additional depreciation consequent to revaluation is transferred from revaluation reserve
to general reserve in the balance sheet.

vii. 5000 ³Åœ¸‡ ¬¸½ ˆÅŸ¸ ¥¸¸Š¸÷¸ ˆÅú ‡ˆÅ¥¸ ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ „›¸ˆ½Å ‚¸Ä›¸ ˆ½Å ¨¸«¸Ä Ÿ¸Ê œ¸í¥¸½ œ¸»¿¸úˆ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ¢ûÅ£ œ¸»µ¸Ä÷¸À Ÿ¸»¥¡¸Ý¸¢¬¸÷¸ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾.
Fixed assets individually costing less than ` 5,000/- are first capitalized and then fully depreciated in the year of
addition.

viii. Ÿ¸»÷¸Ä ‚¸¦¬÷¸¡¸¸Ê œ¸£ Ÿ¸»¥¡¸Ý¸¬¸ ˆÅ¸ ‚¸¤¸¿’›¸ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú ‚›¸º¬¸»¸ú II ˆ½Å ž¸¸Š¸ ¬¸ú Ÿ¸Ê ¤¸÷¸¸¡¸½ ‚›¸º¬¸¸£ ‚¸¦¬÷¸ ˆ½Å „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ Ÿ¸Ê ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾. „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ ‚¸¾£ ©¸½«¸ Ÿ¸»¥¡¸¸Ê ˆÅú ‚¸¨¸¢š¸ˆÅ ¬¸Ÿ¸ú®¸¸ ˆÅú ¸¸÷¸ú í¾. ¡¸¢™ œÏ¤¸¿š¸›¸ ˆ½Å ‚›¸ºŸ¸¸›¸ ˆ½Å ‚›¸º¬¸¸£ ¢ˆÅ¬¸ú ‚¸¦¬÷¸ ˆÅ¸½ ‚¢¸Ä÷¸ ˆÅ£÷¸½ ¬¸Ÿ¸¡¸ „¬¸
‚¸¦¬÷¸ ˆ½Å ‚›¸ºŸ¸¸¢›¸÷¸ ¸ú¨¸›¸ˆÅ¸¥¸ ¡¸¸ ¤¸¸™ Ÿ¸Ê ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸½ œ¸£ „¬¸ˆÅ¸ ©¸½«¸ „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ ˆÅŸ¸ í¸½ ¸¸÷¸¸ í¾ ÷¸¸½ œÏ¤¸¿š¸›¸ ׸£¸ „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸/©¸½«¸
„œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ ˆ½Å ‚›¸ºŸ¸¸›¸ ˆ½Å ‚¸š¸¸£ œ¸£ Ÿ¸»¥¡¸Ý¸¬¸ ˆÅú …¿¸ú ™£ ¥¸Š¸¸¡¸ú ¸¸÷¸ú í¾
Depreciation on tangible assets is allocated over useful life of the asset as prescribed under Part C of Schedule II of
the Companies Act 2013. The useful lives and residual values are reviewed periodically. If the management estimate
of the useful life of an asset at the time of acquisition of the asset or of remaining useful life on subsequent review
is shorter, depreciation is provided at a higher rate based on the management’s estimate of useful life / remaining
useful life.

ix. ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸Ê ˆ½Å œ¸¢£¨¸š¸Ä›¸ / ¢¤¸ÇÅú œ¸£ Ÿ¸»¥¡¸Ý¸¬¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¨¸¸¬÷¸¨¸ Ÿ¸Ê š¸¸¢£÷¸ ˆÅ£›¸½ ˆÅú ‚¢¨¸š¸ ˆ½Å ¢¥¸‡ ¥¸Š¸¸¡¸¸ ¸¸÷¸¸ í¾.
Depreciation on additions/ sale of fixed assets during the year is provided for the period for which assets are actually held.

x. ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾À / The useful lives of Fixed assets are as follows:

488 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

‚¸¦¬÷¸ „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ (¨¸«¸¸½ô Ÿ¸Ê)

Asset Useful Life (in Years)
¬¨¸¸¢Ÿ¸÷¨¸ ¨¸¸¥¸½ œ¸¢£¬¸£ / Owned Premises 60

ûÅ›¸úč¸£ ‡¨¸¿ ¢ûÅƬ¸¸¬¸Ä / Furniture and fixtures 10

¢¤¸¸¥¸ú ¬¸¿¬˜¸¸œ¸›¸¸ ‡¨¸¿ Ÿ¸©¸ú›¸£ú / Electrical installation and machinery 10

Ÿ¸¸½’£ ¨¸¸í›¸ / Motor vehicles 8

ˆ¿Åœ¡¸»’£ / Computers 3

¬¨¸¸¸¢¥¸÷¸ ’½¥¸£ Ÿ¸©¸ú›¸ / Automated Teller Machines 8

¨¸ú-¬¸¾’ „œ¸ˆÅ£µ¸ / VSAT equipment 6

ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å œ¸¸¬¸ ¢’ˆÅ¸… „œ¸ž¸¸½Æ÷¸¸ ¨¸¬÷¸º‡¿ / Consumer durables with employees
ˆÅ) ûÅ›¸úč¸£ ‚¸¾£ ¢ûÅƬ¸¸¬¸Ä 10
a) Furniture and fixtures
‰¸) œ¸¬¸Ä›¸¥¸ ˆ¿Åœ¡¸»’£ 3
b) Personal Computers

xi. ¥¸ú¸ ¨¸¸¥¸ú ž¸»¢Ÿ¸ ˆÅ¸½ ¥¸ú¸ ˆÅú ‚¨¸¢š¸ Ÿ¸Ê œ¸¢£©¸¸½¢š¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¥¸ú¸í¸½¥” ¬¸ºš¸¸£¸Ê ˆÅ¸½ „¬¸ú ‚¸¦¬÷¸ ª½µ¸ú Ÿ¸Ê œ¸»¿¸úˆ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ œ¸’Ã’½ ˆÅú
‚¨¸¢š¸ Ÿ¸Ê œ¸¢£©¸¸½¢š¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Leasehold land is amortized over the period of lease. Leasehold improvements are capitalized in the same asset category
and amortized over period of lease. .

xii. ` 2.50 ¥¸¸‰¸ ¬¸½ ‚¢š¸ˆÅ £¸¢©¸ ¨¸¸¥¸½ ‡ˆÅ¥¸ ˆ¿Åœ¡¸»’£ ¬¸¸ÁÉ’¨¸½¡¸£ ˆÅ¸½ œ¸»¿¸úˆ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ƒ¬¸½ ƒ¬¸ˆ½Å „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ Ÿ¸Ê Ÿ¸»¥¡¸Ý¸¢¬¸÷¸ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾ ¢¸¬¸ˆÅú ‚¨¸¢š¸ ‚¢š¸ˆÅ÷¸Ÿ¸ 6 ¨¸«¸Ä í¸½÷¸ú í¾.
Computer Software individually costing more than ` 2.50 lacs is capitalized and depreciated over its useful life, not
exceeding 6 years

‚¸. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

B. In case of IDBI Assets Management Limited
i. ¬¸¿œ¸¢î¸, ¬¸¿¡¸¿°¸ ‚¸¾£ „œ¸ˆÅ£µ¸ ˆÅ¸½ ¬¸¿¢¸÷¸ Ÿ¸»¥¡¸Ý¸¬¸ ‚¸¾£ ݸ¢¬¸÷¸ í¸¢›¸, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆÅ¸½ ‹¸’¸ˆÅ£ ‚¸Ä›¸/¬˜¸¸œ¸›¸¸ ¥¸¸Š¸÷¸ œ¸£ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾. ¥¸¸Š¸÷¸ Ÿ¸Ê
‰¸£ú™ Ÿ¸»¥¡¸, œ¸»¿¸úˆÅ£µ¸ Ÿ¸¸›¸™¿” œ¸»£¸ í¸½›¸½ œ¸£ „š¸¸£ ¥¸½›¸½ ˆÅú ¥¸¸Š¸÷¸ ‚¸¾£ ƒ¦Ž÷¸ „œ¸¡¸¸½Š¸ ˆ½Å ¢¥¸‡ ‚¸¦¬÷¸ ˆÅ¸½ „¬¸ˆÅú ˆÅ¸¡¸Ä©¸ú¥¸ ¦¬˜¸¢÷¸ Ÿ¸Ê ¥¸¸›¸½ ˆÅú œÏ÷¡¸®¸
¥¸¸Š¸÷¸ ©¸¸¢Ÿ¸¥¸ í¾. œÏ¡¸¸½Š¸ Ÿ¸Ê ¥¸¸ƒÄ ¸¸ £íú ‚¸¦¬÷¸¡¸¸Ê œ¸£ „œ¸Š¸÷¸ ‚›¸º¨¸÷¸úÄ ¨¡¸¡¸ ˆÅ¸½ ÷¸ž¸ú œ¸»¿¸úˆ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ƒ›¸ ‚¸¦¬÷¸¡¸¸Ê ¬¸½ ž¸¸¨¸ú ¥¸¸ž¸/ ˆÅ¸¡¸Ä
¢›¸«œ¸¸™›¸ ®¸Ÿ¸÷¸¸ Ÿ¸Ê ¨¸¼¢Ö í¸½. Ÿ¸¸¾¸»™¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅú Ÿ¸£ŸŸ¸÷¸ ‡¨¸¿ £‰¸£‰¸¸¨¸ ‚¸¾£ ˆÅ¥¸œ¸º{¸¸½ô ˆ½Å ¤¸™¥¸¸¨¸ ˆÅú ¥¸¸Š¸÷¸ ¬¸¢í÷¸ ˆºÅ¥¸ ‰¸¸Ä ˆÅ¸½ ¢¸¬¸ ‚¨¸¢š¸ Ÿ¸Ê ¨¸½
„œ¸Š¸÷¸ í¸½÷¸½ íÿ „¬¸ ‚¨¸¢š¸ Ÿ¸Ê £¸¸¬¨¸ ˆ½Å ³Åœ¸ Ÿ¸Ê œÏž¸¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Property, plant and equipment are stated at cost of acquisition / installation and less accumulated depreciation and
impairment loss, if any. Cost comprises purchase price, borrowing costs if capitalisation criteria are met and directly
attributable cost of bringing the asset to its working condition for the intended use. Subsequent expenditure incurred on
assets put to use is capitalized only when it increases the future benefit/functioning capability from/of such assets. All
expenses on existing assets, including repairs and maintenance and cost of replacement of parts are charged to revenue
in the period in which they are incurred

ii. Ÿ¸»¥¡¸Ý¸¬¸ ˆÅ¸ œÏ¸¨¸š¸¸›¸ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú ‚›¸º¬¸»¸ú II Ÿ¸Ê ¢›¸š¸¸Ä¢£÷¸ ³Åœ¸ Ÿ¸Ê ¬¸úš¸ú £½‰¸¸ œ¸Ö¢÷¸ (‡¬¸‡¥¸‡Ÿ¸) ׸£¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‚¸¦¬÷¸¡¸¸Ê ˆ½Å
Ÿ¸»¥¡¸Ý¸¬¸ ˆÅú ™£Ê ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú ‚›¸º¬¸»¸ú II ˆ½Å ‚›¸º¬¸¸£ ‚¸¦¬÷¸ ˆ½Å „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸ ˆÅ£ ÷¸¡¸ ˆÅú Š¸ƒÄ íÿ. œÏ¤¸¿š¸›¸ ˆ½Å
‚›¸ºŸ¸¸›¸ ˆ½Å ‚›¸º¬¸¸£ ¡¸¢™ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ‚¸Ä›¸ ˆ½Å ¬¸Ÿ¸¡¸ ‚¸¥¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ ¡¸¸ ƒ¬¸ˆ½Å ¤¸¸™ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ¬¸Ÿ¸ú®¸¸ ˆ½Å ‚¸š¸¸£ œ¸£ ©¸½«¸
„œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ ˆÅŸ¸ í¾ ÷¸¸½ Ÿ¸»¥¡¸Ý¸¬¸ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸/ ©¸½«¸ ¸ú¨¸›¸ˆÅ¸¥¸ œ¸£ œÏ¤¸¿š¸›¸ ˆ½Å ‚›¸ºŸ¸¸›¸ ˆ½Å ‚¸š¸¸£ œ¸£ „¸ ™£ œ¸£ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾. ƒ¬¸ ›¸ú¢÷¸ ˆ½Å ‚›¸º¬¸£µ¸ Ÿ¸Ê ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ™£¸Ê ˆ½Å ‚›¸º¬¸¸£ Ÿ¸»¥¡¸Ý¸¬¸ ˆÅ¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾À
Depreciation is provided on Straight Line Method (SLM) as prescribed in Schedule II to the Companies Act, 2013. The
rates of depreciation of assets have been arrived at after considering the useful life of the asset as per schedule II of the
Companies Act 2013. If the management’s estimate of the useful life of a fixed asset, at the time of acquisition of the
asset or of the remaining useful life on a subsequent review is shorter, depreciation is provided at a higher rate based on
management’s estimates of the useful life/remaining useful life. Pursuant to this policy, depreciation has been provided
using the following rates:

dm{f©H$ [anmoQ>© Annual Report 2023-24 489

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

¢¨¸¨¸£µ¸ „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ (¨¸«¸¸½ô Ÿ¸Ê) ‚¨¸¢©¸«’ Ÿ¸»¥¡¸ ˆÅ¸½

Description Useful life (in years) Ž¸½”õˆÅ£ Ÿ¸»¥¡¸Ý¸¬¸ ˆÅ¸
œÏ¢÷¸©¸÷¸ (% )
Percentage of
depreciation
excluding salvage
value (%)
ûÅ›¸úč¸£ ‡¨¸¿ ¢ûÅƬ¸¸¬¸Ä / Furniture & Fixtures 10.00 9.50

ˆÅ¸¡¸¸Ä¥¸¡¸ „œ¸ˆÅ£µ¸ / Office Equipment 5.00 19.00

ˆ¿Åœ¡¸»’£ í¸”Ä¨¸½¡¸£ / Computer Hardware 3.00 33.33

¬¸¿¸¸£ „œ¸ˆÅ£µ¸ 3.00 33.33

Communication Equipment

iii. ‡ˆÅ¥¸ ³Åœ¸ ¬¸½ ` 2.50 ¥¸¸‰¸ ¬¸½ ‚¢š¸ˆÅ ˆÅú ¥¸¸Š¸÷¸ ¨¸¸¥¸½ ˆÅŸœ¡¸»’£ ¬¸¸ÁÉ’¨¸½¡¸£ ˆÅ¸½ œ¸»¿¸úˆ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ 5 ¨¸«¸Ä ˆÅú ‚¨¸¢š¸ Ÿ¸Ê Ÿ¸»¥¡¸Ý¸¢¬¸÷¸ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾, ‡ˆÅ¥¸ ³Åœ¸ ¬¸½ ` 2.50 ¥¸¸‰¸ ¬¸½ ˆÅŸ¸ ˆÅú ¥¸¸Š¸÷¸ ¨¸¸¥¸½ ˆÅŸœ¡¸»’£ ¬¸¸ÁÉ’¨¸½¡¸£ ˆÅ¸½ ÇÅ¡¸ / ‚¸Ä›¸ ˆ½Å ¨¸«¸Ä Ÿ¸Ê œ¸»µ¸Ä÷¸À Ÿ¸»¥¡¸Ý¸¢¬¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Computer software individually costing more than ` 2.50 lakhs is capitalized and depreciated over a period of 5 years,
Computer software individually costing less than ` 2.50 lakhs is fully depreciated in the year of purchase/acquisition.

iv. ˆ¿Åœ¸›¸ú ‚¸¦¬÷¸ ˆ½Å „œ¸¡¸¸½Š¸ Ÿ¸Ê ¥¸¸¡¸½ ¸¸›¸½ ˆÅú ÷¸¸£ú‰¸ ¬¸½ ÷¸˜¸¸ ¤¸½¸ú Š¸ƒÄ ¢ˆÅ¬¸ú ‚¸¦¬÷¸ ˆ½Å ¢¥¸‡ „¬¸ˆÅú ¢¤¸ÇÅú ÷¸¸£ú‰¸ ÷¸ˆÅ ‚¸›¸ºœ¸¸¢÷¸ˆÅ ‚¸š¸¸£ œ¸£ Ÿ¸»¥¡¸Ý¸¬¸
ˆÅ¸ œÏ¸¨¸š¸¸›¸ ˆÅ£÷¸ú í¾.
The Company provides pro-rata depreciation from the date the asset is put to use and for any asset sold until the date
of sale.

v. ¬¸¿œ¸¢î¸, ¬¸¿¡¸¿°¸ ‚¸¾£ „œ¸ˆÅ£µ¸, ¬¸¸ÁÉ’¨¸½¡¸£ ˆ½Å ‚¥¸¸¨¸¸, ‡ˆÅ¥¸ ³Åœ¸ ¬¸½ ` 5,000 ¡¸¸ „¬¸¬¸½ ˆÅŸ¸ ¥¸¸Š¸÷¸ ˆÅ¸½ ‰¸£ú™ / ‚¢š¸ŠÏíµ¸ ˆ½Å ¨¸«¸Ä Ÿ¸Ê œ¸»£ú ÷¸£í ¬¸½
Ÿ¸»¥¡¸Ý¸¢¬¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Property, plant and equipment, other than software, individually costing ` 5,000 or less are fully depreciated in the year
of purchase / acquisition.

ƒ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ƒ¿’½ˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

C. In case of IDBI Intech Limited
i. ¬¸¿œ¸¢î¸, ¬¸¿¡¸¿°¸ ‚¸¾£ „œ¸ˆÅ£µ¸ ˆÅ¸½ „›¸ˆ½Å ¬¸¿¢¸÷¸ Ÿ¸»¥¡¸Ý¸¬¸/ œ¸¢£©¸¸½š¸›¸ ‚¸¾£ ݸ¢¬¸÷¸ í¸¢›¸, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆÅ¸½ ‹¸’¸ˆÅ£ ‚¢š¸ŠÏíµ¸ ˆÅú ¥¸¸Š¸÷¸ ˆÅ¸½ ™©¸¸Ä¡¸¸ ¸¸÷¸¸
í¾. ¥¸¸Š¸÷¸ Ÿ¸Ê ‚ž¸ú«’ „œ¸¡¸¸½Š¸ ˆ½Å ¢¥¸‡ ˆÅ¸¡¸Ä©¸ú¥¸ œ¸¢£¦¬˜¸¢÷¸¡¸¸Ê Ÿ¸Ê ¥¸¸›¸½ í½÷¸º ‚¸¦¬÷¸ ˆ½Å ‚¢š¸ŠÏíµ¸ Ÿ¸Ê íº‡ ¬¸ž¸ú ¨¡¸¡¸ ©¸¸¢Ÿ¸¥¸ í¸½÷¸½ íÿ.
Property, Plant and Equipment’s are stated at cost of acquisition less accumulated depreciation / amortisation and
impairment loss, if any. Cost includes all expenses incurred for acquisition of assets to bring them to working conditions
for intended use.

ii. ¸¸½ ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸¿ ¢£œ¸¸½¢’ôŠ¸ ¢÷¸¢˜¸ ˆÅ¸½ „›¸ˆ½Å ƒ¦Ž÷¸ „œ¸¡¸¸½Š¸ ˆ½Å ¢¥¸‡ ‚ž¸ú ÷¸ˆÅ ÷¸¾¡¸¸£ ›¸íú¿ íÿ, „›¸ˆÅú ¥¸¸Š¸÷¸ ˆÅ¸½ œ¸»¿¸úŠ¸÷¸ ¸¸¥¸» ˆÅ¸¡¸Ä ˆ½Å ³Åœ¸ Ÿ¸Ê ¢™‰¸¸¡¸¸
Š¸¡¸¸ í¾.
The cost of the fixed assets that are not yet ready for their intended use at the reporting date are shown as capital work-
in-progress.

iii. ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸Ê œ¸£ Ÿ¸»¥¡¸Ý¸¬¸ ‚¸¾£ œ¸¢£©¸¸½š¸›¸ ¢¨¸©¸½«¸±¸ ÷¸ˆÅ›¸úˆÅú ¬¸¥¸¸í / ‚¢š¸¢›¸¡¸Ÿ¸ ˆÅú ‚›¸º¬¸»¸ú II ˆÅú ©¸÷¸¸½ô ˆ½Å ‚¸š¸¸£ œ¸£ œÏ¤¸¿š¸›¸ ׸£¸ ¢›¸š¸¸Ä¢£÷¸
‚¸¦¬÷¸¡¸¸Ê ˆ½Å ‚›¸ºŸ¸¸¢›¸÷¸ „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ ˆ½Å ‚¸š¸¸£ œ¸£ ¬¸úš¸ú-£½‰¸¸ œ¸Ö¢÷¸ œ¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‡ˆÅ¥¸ ³Åœ¸ ¬¸½ ` 5,000/- ¬¸½ ˆÅŸ¸ ¥¸¸Š¸÷¸ ¨¸¸¥¸ú ‚¸¦¬÷¸¡¸¸Ê
ˆÅ¸½ ‰¸£ú™ ˆ½Å ¨¸«¸Ä Ÿ¸Ê œ¸»£ú ÷¸£í ¬¸½ Ÿ¸»¥¡¸Ý¸¢¬¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‰¸£ú™ú/¤¸½¸ú Š¸ƒÄ ‚¸¦¬÷¸ œ¸£ Ÿ¸»¥¡¸Ý¸¬¸ ‚¸›¸ºœ¸¸¢÷¸ˆÅ ³Åœ¸ ¬¸½ œÏž¸¸¢£÷¸ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾.
Depreciation and amortisation on fixed assets is provided on straight-line method based on the estimated useful lives
of the assets as determined by the management based on the expert technical advice/stipulations of schedule II to the
Act. Assets individually costing less than ` 5,000/- are fully depreciated in the year of addition. Depreciation on assets
purchased / disposed off during a period is proportionately charged.

iv. ¢›¸Ÿ¸¸Äµ¸ ‚¸¾£ ¬˜¸¸œ¸›¸¸ ˆÅ¸¡¸Ä œ¸»µ¸Ä í¸½›¸½ ÷¸ˆÅ ÷¸˜¸¸ ‚¸¦¬÷¸ ˆ½Å ‚œ¸›¸½ ƒ¦Ž÷¸ „œ¸¡¸¸½Š¸ ˆ½Å ¢¥¸‡ ÷¸¾¡¸¸£ í¸½›¸½ ÷¸ˆÅ œ¸»¿¸úŠ¸÷¸ ¸¸¥¸» ˆÅ¸¡¸Ä œ¸£ Ÿ¸»¥¡¸Ý¸¬¸ ™¸Ä ›¸íú¿ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾.

490 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

Depreciation is not recorded on capital work-in-progress until construction and installation are complete and the asset is
ready for its intended use.

v. Ÿ¸»¥¡¸Ý¸¬¸ ¡¸¸ œ¸¢£©¸¸½š¸›¸ ¢¨¸¢š¸¡¸¸Ê, „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ ‚¸¾£ ‚¨¸¢©¸«’ Ÿ¸»¥¡¸¸Ê ˆÅú ¬¸Ÿ¸ú®¸¸ œÏ÷¡¸½ˆÅ ¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê ‚¸¨¸¢š¸ˆÅ ³Åœ¸ ¬¸½ ˆÅú ¸¸÷¸ú í¾.
Depreciation or amortisation methods, useful lives and residual values are reviewed periodically at each year end.

‚¸¦¬÷¸ ¨¸Š¸Ä ‚›¸ºŸ¸¸¢›¸÷¸ „œ¸¡¸¸½Š¸ú

Asset class ¸ú¨¸›¸ˆÅ¸¥¸
Estimated useful life

ˆ¿Åœ¡¸»’£ ‡¨¸¿ ¬¸í¸¡¸ˆÅ „œ¸ˆÅ£µ¸ / Computer & accessories

¬¸¨¸Ä£ ‡¨¸¿ ›¸½’¨¸ˆÄÅ / Servers & networks 6 ¨¸«¸Ä / 6 years
”½¬ˆÅ’¸Áœ¸ ‡¨¸¿ ¥¸¾œ¸’¸Áœ¸ / Desktops & laptops 3 ¨¸«¸Ä / 3 years
ˆÅ¸¡¸¸Ä¥¸¡¸ „œ¸ˆÅ£µ¸ / Office equipment’s
Ÿ¸¸½¤¸¸ƒ¥¸ íÿ”¬¸½’ / Mobile handsets 3 ¨¸«¸Ä / 3 years
‚›¡¸ „œ¸ˆÅ£µ¸ / Other equipment’s 5 ¨¸«¸Ä / 5 years
©¸¢Æ÷¸ „œ¸ˆÅ£µ¸ / Power equipment’s 10 ¨¸«¸Ä / 10 years
ûÅ›¸úč¸£ ‡¨¸¿ ¢ûÅƬ¸¸¬¸Ä / Furniture & fixtures 10 ¨¸«¸Ä / 10 years
Ÿ¸¸½’£ ˆÅ¸£ / Motor car 8 ¨¸«¸Ä / 8 years
¢¨¸Ô¸º÷¸ ¬¸¿¬˜¸¸œ¸›¸¸‡Â / Electrical installations 10 ¨¸«¸Ä / 10 years
‚Ÿ¸»÷¸Ä ‚¸¦¬÷¸¡¸¸¿ / Intangible assets 5 ¨¸«¸Ä / 5 years

ƒÄ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’﬒ú¢©¸œ¸ ¬¸¢¨¸Ä¬¸½¬¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

D. In case of IDBI Trusteeship Services Limited
¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ‚¸Ä›¸ ˆÅú Ÿ¸»¥¸ ¥¸¸Š¸÷¸ ÷¸˜¸¸ „›¸ˆ½Å ‚¸Ä›¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê „œ¸Š¸÷¸ ¬¸¿¬˜¸¸œ¸›¸¸ œÏž¸¸£ œ¸£ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾. ¥¸¸Š¸÷¸ Ÿ¸Ê ‰¸£ú™ Ÿ¸»¥¡¸ ‚¸¾£ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½
„›¸ˆ½Å ‚ž¸ú«’ „œ¸¡¸¸½Š¸ ˆ½Å ¢¥¸‡ ˆÅ¸¡¸Ä ˆÅ£›¸½ ¥¸¸¡¸ˆÅ ¦¬˜¸¢÷¸ Ÿ¸Ê ¥¸¸›¸½ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¥¸¸Š¸÷¸ ©¸¸¢Ÿ¸¥¸ í¾. ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú ‚›¸º¬¸»¸ú II ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢›¸š¸¸Ä¢£÷¸
¢ˆÅ‡ Š¸‡ ‚›¸º¬¸¸£ Ÿ¸»¥¡¸Ý¸¬¸ ¢›¸š¸¸Ä¢£÷¸ ™£ œ¸£ ‚¨¸¢¥¸¢‰¸÷¸ Ÿ¸»¥¡¸ ‚¸š¸¸£ œ¸£ œÏž¸¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‚¸¦¬÷¸ ˆ½Å œ¸¢£¨¸š¸Ä›¸ œ¸£ Ÿ¸»¥¡¸Ý¸¬¸ ˆÅ¸ œÏ¸¨¸š¸¸›¸ ‡½¬¸½ œ¸¢£¨¸š¸Ä›¸
ˆÅú ÷¸¸£ú‰¸ ¬¸½ ‚¸¾£ ¢›¸œ¸’¸›¸ ˆ½Å ¢¥¸‡ ‡½¬¸½ ¢›¸œ¸’¸›¸¸Ê ˆÅú ÷¸¸£ú‰¸ ÷¸ˆÅ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ˆÅŸ¸ ¥¸¸Š¸÷¸ ¨¸¸¥¸ú ‡ˆÅ¥¸ ‚¸¦¬÷¸¡¸¸Ê (` 5000/- ¬¸½ ˆÅŸ¸ £¸¢©¸ Ÿ¸Ê ‚¢¸Ä÷¸) ˆÅ¸½
„›¸ˆ½Å ‚¸Ä›¸ ˆ½Å ¨¸«¸Ä Ÿ¸Ê Ÿ¸»¥¡¸Ý¸¢¬¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Fixed assets are stated at original cost of acquisition plus installation charges incurred in connection with the acquisition. Cost
comprises of purchase price and attributable cost of bringing the assets to its working condition for its intended use. The
depreciation is charged on Written down Value basis as prescribed in schedule II of the Companies Act 2013. The depreciation
on the addition of the asset is provided from the date of such addition and for disposals up to the date of such disposals.
Individual low cost assets (acquired for less than ` 5,000/-) are depreciated in the year of acquisition.

„. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄΓ¸ ‡¿” ¢¬¸Æ¡¸º¢£’ú{¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

E. In case of IDBI Capital Markets & Securities Limited
i. ¬¸¿œ¸¢î¸ ˆÅú Ÿ¸™Ê, ¬¸¿¡¸¿°¸ ‚¸¾£ „œ¸ˆÅ£µ¸ ˆÅ¸½ ‚¸£¿ž¸ Ÿ¸Ê ¥¸¸Š¸÷¸ œ¸£ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ÷¸÷œ¸©¸¸÷¸ ¬¸¿¢¸÷¸ Ÿ¸»¥¡¸Ý¸¬¸ ÷¸˜¸¸ ¬¸¿¢¸÷¸ ݸ¢¬¸÷¸ í¸¢›¸ ˆÅ¸½ ‹¸’¸ˆÅ£
¥¸¸Š¸÷¸ œ¸£ ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾. ¬¸¿œ¸¢î¸ ˆÅú Ÿ¸™¸Ê, ¬¸¿¡¸¿°¸ ‚¸¾£ „œ¸ˆÅ£µ¸¸Ê ˆ½Å Ÿ¸»¥¡¸Ý¸¬¸ ˆÅú Š¸µ¸›¸¸ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸ ˆÅú ‚›¸º¬¸»¸ú II Ÿ¸Ê ¢›¸¢™Ä«’ ¢ˆÅ‡ ‚›¸º¬¸¸£
„›¸ˆ½Å ‚›¸ºŸ¸¸¢›¸÷¸ „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ Ÿ¸Ê „›¸ˆÅú Ÿ¸»¥¡¸Ý¸¬¸ ¡¸¸½Š¡¸ £¸¢©¸ œ¸£ ¬¸úš¸ú £½‰¸¸ œ¸Ö¢÷¸ ˆ½Å ׸£¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ ˆÅú ¸¸÷¸ú í¾À
Items of property, plant and equipment are initially recognised at cost and subsequently carried at cost less accumulated
depreciation and accumulated impairment losses. Depreciation on items of property, plant and equipment is calculated
using the straight-line method to allocate their depreciable amounts over their estimated useful lives as specified in
Schedule II to the Companies Act as follows:

dm{f©H$ [anmoQ>© Annual Report 2023-24 491

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

‚¸¢¬÷¸ ¨¸Š¸Ä ‚›¸ºŸ¸¸¢›¸÷¸ „œ¸¡¸¸½Š¸ú

Asset class ¸ú¨¸›¸ˆÅ¸¥¸
Estimated useful life
in years
ž¸¨¸›¸ / Buildings 60 ¨¸«¸Ä / 60 years
ˆÅŸœ¡¸»’£ / Computers 3 ¨¸«¸Ä / 3 years
¬¸¨¸Ä¬¸Ä ‡¨¸¿ ›¸½’¨¸ÄˆÅ / Servers & Networks 5 ¨¸«¸Ä / 5 years
ûÅ›¸úč¸£ ‡¨¸¿ ¢ûÅƬ¸¸£ / Furniture & Fixtures 10 ¨¸«¸Ä / 10 years
ˆÅ¸¡¸¸Ä¥¸¡¸ „œ¸ˆÅ£µ¸ / Office Equipment’s 5 ¨¸«¸Ä / 5 years
¨¸¸í›¸ / Vehicles 5 ¨¸«¸Ä / 5 years
ii. ¬¸ž¸ú Ÿ¸»÷¸Ä ‚¸¦¬÷¸¡¸¸Ê, ¢¸›¸ˆÅ¸ ‡ˆÅ¥¸ Ÿ¸»¥¡¸ ` 5,000 ¬¸½ ˆÅŸ¸ í¾, ˆÅ¸½ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ‰¸£ú™ ¨¸¸¥¸½ ¨¸«¸Ä Ÿ¸Ê íú ÷¸˜¸¸ ¬¸¢ÇÅ¡¸ ³Åœ¸ ¬¸½ „œ¸¡¸¸½Š¸ ¬¸½ ¢›¸¨¸¼î¸ ‚¸¦¬÷¸¡¸¸Ê
ˆÅ¸½ œ¸»µ¸Ä÷¸À Ÿ¸»¥¡¸Ý¸¢¬¸÷¸ ˆÅ£ ¢™¡¸¸ ¸¸÷¸¸ í¾.
All Tangible Assets having individual value of less than ` 5,000, in the year of acquisition and assets retired from active
use are fully depreciated.

iii. ¬¸¿œ¸¢î¸, ¬¸¿¡¸¿°¸ ‚¸¾£ „œ¸ˆÅ£µ¸, ¢¸›¸ˆÅú ‡ˆÅ¥¸ ¥¸¸Š¸÷¸ ` 5,000 ‚˜¸¨¸¸ ƒ¬¸¬¸½ ˆÅŸ¸ í¸½, ˆÅ¸½ ‰¸£ú™/‚¢š¸ŠÏíµ¸ ¨¸«¸Ä Ÿ¸Ê œ¸»µ¸Ä÷¸À Ÿ¸»¥¡¸Ý¸¢¬¸÷¸ ˆÅ£ ¢™¡¸¸
¸¸÷¸¸ í¾.
Property, Plant and Equipment, individually costing ` 5,000/ or less are fully depreciated in the year of purchase/
acquisition.

iv. ¬¸¿œ¸¢î¸, ¬¸¿¡¸¿°¸ ‚¸¾£ „œ¸ˆÅ£µ¸¸Ê ˆ½Å ‚¨¸¢©¸«’ Ÿ¸»¥¡¸¸Ê ‚¸¾£ ‚›¸ºŸ¸¸¢›¸÷¸ ¸ú¨¸›¸ˆÅ¸¥¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ‚¸¾£ ¬¸Ÿ¸¸¡¸¸½¸›¸ ¡¸˜¸¸ „œ¸¡¸ºÆ÷¸ ³Åœ¸ ¬¸½ œÏ÷¡¸½ˆÅ ÷¸º¥¸›¸-œ¸°¸ ˆÅú
÷¸¸£ú‰¸ ˆÅ¸½ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¢ˆÅ¬¸ú ž¸ú ¬¸¿©¸¸½š¸›¸ ˆ½Å œÏž¸¸¨¸ ˆÅ¸½ œ¸¢£¨¸÷¸Ä›¸ í¸½›¸½ œ¸£ ¥¸¸ž¸ ¡¸¸ í¸¢›¸ Ÿ¸Ê ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾.
The residual values and estimated useful lives of property, plant and equipment are reviewed, and adjusted as appropriate,
at each balance sheet date. The effects of any revision are recognised in profit or loss when the changes arise.

…. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ Ÿ¡¸»¸º‚¥¸ ûö¿Å” ’﬒ú ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

F. In case of IDBI Mutual Fund Trustee Company Limited

¬¨¸¸¢Ÿ¸÷¨¸ ¨¸¸¥¸ú ‚¸¦¬÷¸ / Owned Asset

¬¨¸¡¸¿ ˆ½Å „œ¸¡¸¸½Š¸ ˆ½Å ¢¥¸‡ £‰¸ú Š¸ƒÄ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ „›¸ˆ½Å ¬¸¿¢¸÷¸ Ÿ¸»¥¡¸Ý¸¬¸ ‚¸¾£ ݸ¢¬¸÷¸ í¸¢›¸, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆÅ¸½ ‹¸’¸ˆÅ£ Ÿ¸»¥¸ ¥¸¸Š¸÷¸ œ¸£ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾. ¬¸¿œ¸¢î¸,
¬¸¿¡¸¿°¸ ‚¸¾£ „œ¸ˆÅ£µ¸ ˆÅú ¥¸¸Š¸÷¸ Ÿ¸Ê ÇÅ¡¸ Ÿ¸»¥¡¸, ©¸º¥ˆÅ, ˆÅ£ ‚¸¾£ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ „›¸ˆ½Å ‚ž¸ú«’ „œ¸¡¸¸½Š¸ ˆ½Å ¢¥¸‡ ˆÅ¸¡¸Ä ˆÅ£›¸½ ˆÅú ¦¬˜¸¢÷¸ Ÿ¸Ê ¥¸¸›¸½ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ‚›¡¸ œÏ÷¡¸®¸
¥¸¸Š¸÷¸ ©¸¸¢Ÿ¸¥¸ í¾.
Assets held for own uses are stated at original cost less accumulated depreciation and impairment loss, if any. Cost of Property,
plant and equipment comprises Purchase price, duties, levies and any directly attributable costs of bringing the assets to its
working condition of the intended use.

‚¸¦¬÷¸ í½÷¸º Ÿ¸»¥¡¸Ý¸¬¸ ¡¸¸½Š¡¸ £¸¢©¸ ‚¸¦¬÷¸ ˆÅú ¥¸¸Š¸÷¸ ¡¸¸ ¥¸¸Š¸÷¸ ˆ½Å ¢¥¸‡ œÏ¢÷¸¬˜¸¸¢œ¸÷¸ ‚›¡¸ £¸¢©¸ Ÿ¸Ê ¬¸½ ‚›¸ºŸ¸¸¢›¸÷¸ ‚¨¸¢©¸«’ Ÿ¸»¥¡¸ ‹¸’¸ˆÅ£ í¸½÷¸ú í¾.
Depreciable amount for asset is the cost of an asset, or other amount substituted for cost, less its estimated residual value.

¬¸¿œ¸¢î¸, ¬¸¿¡¸¿°¸ ‚¸¾£ „œ¸ˆÅ£µ¸ ˆÅ¸ ‚›¸ºŸ¸¸¢›¸÷¸ „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸, ›¸ú¸½ ¨¸¢µ¸Ä÷¸ ˆÅ¸½ Ž¸½”õˆÅ£, ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú ‚›¸º¬¸»¸ú II ˆ½Å ‚›¸º³Åœ¸ í¾ ‚¸¾£ Ÿ¸»¥¡¸Ý¸¬¸
ˆÅú œ¸Ö¢÷¸ ›¸ú¸½ ¤¸÷¸¸ƒÄ Š¸ƒÄ í¾À
The estimated useful life of Property, plant and equipment which except as stated hereunder is in line with schedule II to the
Companies Act 2013 and the method of depreciation is set out here in below:

Ÿ¸¸½¤¸¸ƒ¥¸ ûŸ½›¸ ˆ½Å ¢¥¸‡ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆ½Å ‚¿÷¸Š¸Ä÷¸ 5 ¬¸¸¥¸ ˆÅ¸ „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ ¢›¸š¸¸Ä¢£÷¸ í¾, ¸¤¸¢ˆÅ ˆ¿Åœ¸›¸ú ׸£¸ ‚¸¿÷¸¢£ˆÅ ³Åœ¸ ¬¸½ œÏ¸œ÷¸ ÷¸ˆÅ›¸úˆÅú
¬¸¥¸¸í ˆ½Å ‚¸š¸¸£ œ¸£ ƒ¬¸½ 3 ¬¸¸¥¸ ˆÅú ‚¨¸¢š¸ Ÿ¸Ê Ÿ¸»¥¡¸Ý¸¢¬¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
For mobile phone the useful life is prescribed of 5 years under Companies Act, 2013, whereas it is depreciated for a period of
3 years based on the technical advice internally obtained by the company

492 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

‚¸¦¬÷¸¡¸¸¿ „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ Ÿ¸»¥¡¸Ý¸¬¸ ˆÅú œ¸Ö¢÷¸

Assets Useful Life Method of Depreciation

¬¸¿¡¸¿°¸ ‡¨¸¿ „œ¸ˆÅ£µ¸ / Plant & Equipment’s 15 ¨¸«¸Ä / 15 years ¬¸úš¸ú £½‰¸¸ œ¸Ö¢÷¸ / Straight Line Method

ûÅ›¸úč¸£ ‡¨¸¿ ¢ûÅ¢’¿Š¬¸ / Furniture & Fittings 10 ¨¸«¸Ä / 10 years ¬¸úš¸ú £½‰¸¸ œ¸Ö¢÷¸ / Straight Line Method

¢¨¸Ô¸º÷¸ „œ¸ˆÅ£µ¸ / Electrical Equipment’s 10 ¨¸«¸Ä / 10 years ¬¸úš¸ú £½‰¸¸ œ¸Ö¢÷¸ / Straight Line Method

¨¸¸í›¸ / Vehicles 8 ¨¸«¸Ä / 8 years ¬¸úš¸ú £½‰¸¸ œ¸Ö¢÷¸ / Straight Line Method

ˆÅ¸¡¸¸Ä¥¸¡¸ „œ¸ˆÅ£µ¸ / Office Equipment’s 5 ¨¸«¸Ä / 5 years ¬¸úš¸ú £½‰¸¸ œ¸Ö¢÷¸ / Straight Line Method

ˆÅŸœ¡¸º’£ / Computers 3 ¨¸«¸Ä / 3 years ¬¸úš¸ú £½‰¸¸ œ¸Ö¢÷¸ / Straight Line Method

Ÿ¸¸½¤¸¸ƒ¥¸ ûŸ½›¸ / Mobile Phones 3 ¨¸«¸Ä / 3 years ¬¸úš¸ú £½‰¸¸ œ¸Ö¢÷¸ / Straight Line Method

10 œÏ¢÷¸ž¸»÷¸úˆÅ£µ¸ ¥¸½›¸™½›¸ / Securitization Transactions

¢¨¸¢ž¸››¸ †µ¸¸Ê ˆ½Å œÏ¢÷¸ž¸»÷¸úˆÅ£µ¸ ¬¸½ ƒ›¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¢¨¸©¸½«¸ œÏ¡¸¸½¸›¸ ¨¸¸¥¸ú ¬¸¿¬˜¸¸‚¸Ê (`‡¬¸œ¸ú¨¸ú') ˆÅ¸½ ¢¤¸ÇÅú ˆÅú ¸¸÷¸ú í¾, ¸¸½ ƒ¬¸ˆ½Å ¤¸™¥¸½ Ÿ¸Ê ¢›¸¨¸½©¸ˆÅ¸Ê ˆÅ¸½ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ¸¸£ú
ˆÅ£÷¸ú íÿ. œÏ¢÷¸ž¸»¢÷¸ˆ¼Å÷¸ ‚¸¦¬÷¸¡¸¸Ê ¨¸¸¥¸½ ‚›¸º¤¸¿¢š¸÷¸ ‚¢š¸ˆÅ¸£¸Ê œ¸£ ¸¤¸ ¢›¸¡¸¿°¸µ¸ ›¸íú¿ £í÷¸¸ í¾ ÷¸¸½ ‡½¬¸ú ¢¨¸î¸ú¡¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ‚¸¿¢©¸ˆÅ ‚˜¸¨¸¸ œ¸»µ¸Ä÷¸À ‚Ÿ¸¸›¡¸ ˆÅ£ ¢™¡¸¸ ¸¸÷¸¸
í¾. ¤¸ÿˆÅ ¢¤¸ÇÅú ˆ½Å ¬¸Ÿ¸¡¸ í¸½›¸½ ¨¸¸¥¸ú ¢ˆÅ¬¸ú ž¸ú í¸¢›¸ ˆ½Å ¢¥¸‡ ÷¸÷ˆÅ¸¥¸ ¥¸½‰¸¸¿ˆÅ›¸ ˆÅ£÷¸¸ í¾ ‚¸¾£ ¢¤¸ÇÅú ¬¸½ í¸½›¸½ ¨¸¸¥¸½ ¥¸¸ž¸/œÏú¢Ÿ¸¡¸Ÿ¸ ˆÅ¸½ ‡¬¸œ¸ú¨¸ú ׸£¸, ¢¸›íÊ ‚¸¦¬÷¸¡¸¸¿ ¤¸½¸ú Š¸¡¸ú
íÿ, ¸¸£ú ˆÅú Š¸¡¸ú ¡¸¸ ¸¸£ú ˆÅú ¸¸›¸½ ¨¸¸¥¸ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆ½Å ¸ú¨¸›¸ ˆÅ¸¥¸ Ÿ¸Ê œ¸¢£©¸¸½¢š¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Securitization of various loans results in sale of these assets to Special Purpose Vehicles (‘SPVs’), which, in turn issue securities to
investors. Financial assets are partially or wholly derecognized when the control over the contractual rights in the securitized assets is
lost. The Bank accounts for any loss arising on sale immediately at the time of sale and the profit/ premium arising on account of sale
is amortized over the life of the securities issued/ to be issued by the SPV to which the assets are sold

11 œÏ¢÷¸ž¸»÷¸úˆÅ£µ¸ ˆ¿Åœ¸¢›¸¡¸¸Ê/ œ¸º›¸¬¸ô£¸›¸¸ ˆ¿Åœ¸¢›¸¡¸¸Ê ˆÅ¸½ ¢¨¸î¸ú¡¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¢¤¸ÇÅú

Sale of financial assets to Securitization Companies/Reconstruction Companies
œÏ¢÷¸ž¸»÷¸úˆÅ£µ¸ ˆ¿Åœ¸›¸ú (‡¬¸¬¸ú)/œ¸º›¸¬¸ô£¸›¸¸ ˆ¿Åœ¸›¸ú (‚¸£¬¸ú) ˆÅ¸½ ¢¨¸î¸ú¡¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¢¤¸ÇÅú ˆÅú Š¸µ¸›¸¸ œÏ¢÷¸ž¸»¢÷¸ £¬¸ú™ (‡¬¸‚¸£)/ œ¸¸¬¸ ˜Ï» œÏŸ¸¸µ¸œ¸°¸ (œ¸ú’ú¬¸ú) ˆ½Å Ÿ¸¸½¸›¸
Ÿ¸»¥¡¸ ‚¸¾£ ¢¨¸î¸ú¡¸ ‚¸¦¬÷¸ ˆ½Å ¢›¸¨¸¥¸ ¤¸íú Ÿ¸»¥¡¸ Ÿ¸Ê ¬¸½ ˆÅŸ¸÷¸£ œ¸£ ˆÅú ¸¸÷¸ú í¾.
Sale of financial assets to Securitization Companies (SCs) / Reconstruction Companies (RCs) is reckoned at the lower of the
redemption value of Security Receipts (SRs)/ Pass through Certificates (PTCs) received and the net book value of the financial
asset.

œ¸»£ú ÷¸£í ¬¸½ œÏ¸¨¸š¸¸›¸ ˆÅú Š¸ƒÄ ‚¸¦¬÷¸¡¸¸Ê ‚¸¾£ ÷¸ˆÅ›¸úˆÅú ³Åœ¸ ¬¸½ ¤¸’Ã’½ ‰¸¸÷¸½ ”¸¥¸½ Š¸‡ Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê œÏ¢÷¸ž¸»¢÷¸ £¬¸ú™¸Ê (‡¬¸‚¸£) ˆÅú ¤¸ÿˆÅ ˆÅú ¢›¸¨¸½©¸ ¤¸íú Ÿ¸Ê ‡ˆÅ ²Åœ¸¡¸½ ˆ½Å ³Åœ¸ Ÿ¸Ê
Š¸µ¸›¸¸ ˆÅú ¸¸÷¸ú í¾.
In case of sale of assets which are fully provided and Technically Written off, the Security Receipts (SRs) are reckoned at Rupee one in
the investment book of the Bank.

¡¸¢™ ¢¨¸ÇÅ¡¸ Ÿ¸»¥¡¸ ¢›¸¨¸¥¸ ¤¸íú Ÿ¸»¥¡¸(‡›¸¤¸ú¨¸ú)(‚˜¸¸Ä÷¸Ã ¤¸íú Ÿ¸»¥¡¸ Ÿ¸Ê ¬¸½ š¸¸¢£÷¸ œÏ¸¨¸š¸¸›¸ í’¸ˆÅ£) ¬¸½ ˆÅŸ¸ Ÿ¸»¥¡¸ œ¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ÷¸¸½ ˆÅŸ¸ú ˆÅ¸½ „¬¸ ¨¸«¸Ä ˆ½Å ¥¸¸ž¸-í¸¢›¸ ‰¸¸÷¸½
Ÿ¸Ê ”½¢¤¸’ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
In case the sale value is at a price below the Net Book Value (NBV) (i.e., book value less provision held), the shortfall is be debited to
the profit and loss account of that year.

¡¸¢™ ¢¨¸ÇÅ¡¸ Ÿ¸»¥¡¸ ¢›¸¨¸¥¸ ¤¸íú Ÿ¸»¥¡¸ ¬¸½ ‚¢š¸ˆÅ í¾ ÷¸¸½ ‚¸¢š¸Æ¡¸ œÏ¸¨¸š¸¸›¸ ˆÅ¸½ £¸¢©¸ ˆ½Å œÏ¸œ÷¸ í¸½›¸½ ¨¸¸¥¸½ ¨¸«¸Ä Ÿ¸Ê íú œÏ÷¡¸¸¨¸¢÷¸Ä÷¸ ˆÅ£ ¢™¡¸¸ ¸¸÷¸¸ í¾. ÷¸˜¸¸¢œ¸, ‚¸¢š¸Æ¡¸ œÏ¸¨¸š¸¸›¸ ˆÅ¸
‡½¬¸¸ œÏ÷¡¸¸¨¸÷¸Ä›¸ ‚¸¦¬÷¸ ˆ½Å ‡›¸¤¸ú¨¸ú ¬¸½ ‚¢š¸ˆÅ œÏ¸œ÷¸ ›¸ˆÅ™ £¸¢©¸ ÷¸ˆÅ ¬¸ú¢Ÿ¸÷¸ í¾.
In case, sale value is higher than the NBV, the excess provision is reversed to the profit and loss account in the year in which cash
amounts are received. However, such reversal of excess provision is limited to the extent to which cash received exceeds the NBV of
the asset.

dm{f©H$ [anmoQ>© Annual Report 2023-24 493

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

12 ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¥¸½›¸™½›¸ / Foreign Currency Transactions

‚. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
A. In case of IDBI Bank Limited
i. ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¥¸½›¸™½›¸¸Ê ˆÅ¸½ ‚¸£¿¢ž¸ˆÅ ‚¢ž¸¢›¸š¸¸Ä£µ¸ œ¸£ ¥¸½›¸-™½›¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ œÏ¸¢¥¸÷¸ ¢¨¸¢›¸Ÿ¸¡¸ ™£ œ¸£ ™¸Ä ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. Ÿ¸¸¾¢ÍˆÅ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ‚¸¦¬÷¸¡¸¸Ê
‚¸¾£ ™½¡¸÷¸¸‚¸Ê ˆÅ¸½ ž¸¸£÷¸ú¡¸ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¨¡¸¸œ¸¸£ ¬¸¿‹¸ (û½Å”¸ƒÄ) ׸£¸ ¢›¸š¸¸Ä¢£÷¸ ¤¸¿™ ™£¸Ê œ¸£ ³Åœ¸¸¿÷¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ƒ¬¸ˆ½Å ûÅ¥¸¬¨¸³Åœ¸ í¸½›¸½ ¨¸¸¥¸½
¥¸¸ž¸ ¡¸¸ í¸¢›¸ ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾. Ÿ¸¸¾¢ÍˆÅ Ÿ¸™¸Ê ˆ½Å ¢›¸œ¸’¸›¸ ¬¸½ „÷œ¸››¸ í¸½›¸½ ¨¸¸¥¸½ ¢¨¸¢›¸Ÿ¸¡¸ ‚¿÷¸£¸Ê ˆÅ¸½ „¬¸ ‚¨¸¢š¸ ˆÅú ‚¸¡¸ ¡¸¸ ¨¡¸¡¸ ˆ½Å
³Åœ¸ Ÿ¸Ê Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾ ¢¸¬¸Ÿ¸Ê ¨¸½ „÷œ¸››¸ í¸½÷¸½ íÿ.
Foreign currency transactions, on initial recognition are recorded at the exchange rate prevailing on the date of transaction.
Monetary foreign currency assets and liabilities are translated at the closing rates prescribed by Foreign Exchange
Dealers Association of India (FEDAI) and the resultant gain or loss is recognized in the Profit and Loss account. Exchange
differences arising on the settlement of monetary items are recognized as income or expense in the period in which they
arise.

ii. ‡½¬¸ú ¨¸¸¡¸™¸ ¢¨¸¢›¸Ÿ¸¡¸ ¬¸¿¢¨¸™¸‚¸Ê, ¸¸½ ¨¡¸¸œ¸¸£ ˆ½Å ¢¥¸‡ ›¸íú¿ ˆÅú Š¸ƒÄ íÿ, ˆÅú ©¸º²‚¸÷¸ Ÿ¸Ê œÏ¸œ÷¸ œÏú¢Ÿ¸¡¸Ÿ¸ ¡¸¸ ¤¸’Ã’½ ˆÅ¸½ ¬¸¿¢¨¸™¸ ˆ½Å ¸ú¨¸›¸ˆÅ¸¥¸ Ÿ¸Ê ¨¡¸¡¸ ¡¸¸ ‚¸¡¸
ˆ½Å ³Åœ¸ Ÿ¸Ê œ¸¢£©¸¸½¢š¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‚›¡¸ ¨¸¸¡¸™¸ ¢¨¸¢›¸Ÿ¸¡¸ ¬¸¿¢¨¸™¸‚¸Ê œ¸£ œÏú¢Ÿ¸¡¸Ÿ¸ ¡¸¸ Ž»’ ˆÅ¸½ ¢í¬¸¸¤¸ Ÿ¸Ê ›¸íú¿ ¢¥¸¡¸¸ ¸¸÷¸¸ í¾.
Premium or discount arising at the inception of Forward Exchange Contracts which are not intended for trading is
amortized as expense or income over the life of the contract. Premium or discount on other Forward Exchange Contracts
is not recognized.

iii. ‡½¬¸ú ¤¸ˆÅ¸¡¸¸ ¨¸¸¡¸™¸ ¢¨¸¢›¸Ÿ¸¡¸ ¬¸¿¢¨¸™¸‚¸Ê, ¸¸½ ¨¡¸¸œ¸¸£ ˆ½Å ¢¥¸‡ ›¸íú¿ íÿ, ˆÅ¸ û½Å”¸ƒÄ ˆÅú ‚¿¢÷¸Ÿ¸ ™£¸Ê œ¸£ œ¸º›¸Ÿ¸»Ä¥¡¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‚›¡¸ ¤¸ˆÅ¸¡¸¸ ¨¸¸¡¸™¸ ¢¨¸¢›¸Ÿ¸¡¸
¬¸¿¢¨¸™¸‚¸Ê ˆÅ¸ œ¸º›¸Ÿ¸»Ä¥¡¸›¸ û½Å”¸ƒÄ ׸£¸ ¢¨¸¢›¸Ä¢™«’ œ¸¢£œ¸Æ¨¸÷¸¸‚¸Ê ˆ½Å ¢¥¸‡ ‚¢š¸¬¸»¢¸÷¸ ¢¨¸¢›¸Ÿ¸¡¸ ™£¸Ê ¡¸¸ ¤¸ú¸ ˆÅú œ¸¢£œ¸Æ¨¸÷¸¸‚¸Ê ˆÅú ‚¿÷¸¨¸½Ä¢©¸÷¸ ™£¸Ê œ¸£ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾. ƒ¬¸¬¸½ í¸½›¸½ ¨¸¸¥¸½ ¥¸¸ž¸/í¸¢›¸ ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾..
Outstanding Forward Exchange Contracts which are not intended for trading are revalued at closing FEDAI rates. Other
outstanding Forward Exchange Contracts are valued at rates of exchange notified by FEDAI for specified maturities or at
interpolated rates for in-between maturities. The resultant profits/ losses are recognized in the Profit and Loss Account.

iv. ¨¸¸¡¸™¸ ¢¨¸¢›¸Ÿ¸¡¸ ¬¸¿¢¨¸™¸‚¸Ê ˆ½Å ¬¸Ÿ¸¡¸ ¬¸½ œ¸í¥¸½ ¬¸Ÿ¸¸œ÷¸ í¸½›¸½ œ¸£ í¸½›¸½ ¨¸¸¥¸½ ¥¸¸ž¸/í¸¢›¸, ¬¸¸˜¸ íú œ¸¢£©¸¸½¢š¸÷¸ œÏú¢Ÿ¸¡¸Ÿ¸ ¡¸¸ Ž»’, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆÅ¸½ ¬¸Ÿ¸¸¦œ÷¸ ˆÅú
¢÷¸¢˜¸ œ¸£ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ˆ½Å ¢¨¸¨¸£µ¸ Ÿ¸Ê ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾.
Profits/ losses arising on premature termination of Forward Exchange Contracts, together with unamortized premium or
discount, if any, are recognized in the statement of profit & loss on the date of termination.

v. ¤¸ˆÅ¸¡¸¸ ¨¸¸¡¸™¸ ¢¨¸¢›¸Ÿ¸¡¸ ¬¸¿¢¨¸™¸‚¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‚¸Ê ˆÅú Š¸µ¸›¸¸ ¢¨¸¢›¸Ÿ¸¡¸ ˆÅú ‚›¸º¤¸¿¢š¸÷¸ ™£¸Ê œ¸£ ˆÅú ¸¸÷¸ú í¾ ‚¸¾£ Š¸¸£¿¢’¡¸¸Ê, ¬¨¸úˆ¼Å¢÷¸¡¸¸Ê,
œ¸¼«“¸¿ˆÅ›¸¸Ê ‡¨¸¿ ‚›¡¸ ™¸¢¡¸÷¨¸¸Ê ˆÅú Š¸µ¸›¸¸ û½Å”¸ƒÄ ˆÅú ¤¸¿™ ™£¸Ê œ¸£ ˆÅú ¸¸÷¸ú í¾.
Contingent liabilities in respect of outstanding forward exchange contracts are calculated at the contracted rates of
exchange and those in respect of guarantees, acceptances, endorsements and other obligations are calculated at the
closing FEDAI rates.

vi. ¢¨¸™½©¸ú ©¸¸‰¸¸ ˆ½Å œ¸¢£¸¸¥¸›¸¸Ê ˆÅ¸½ `Š¸¾£-‡ˆÅúˆ¼Å÷¸ ¢¨¸™½©¸ú œ¸¢£¸¸¥¸›¸' ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. Š¸¾£-‡ˆÅúˆ¼Å÷¸ ¢¨¸™½©¸ú œ¸¢£¸¸¥¸›¸¸Ê ˆ½Å Ÿ¸¸¾¢ÍˆÅ ‚¸¾£
Š¸¾£-Ÿ¸¸¾¢ÍˆÅ ™¸½›¸¸Ê ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ‚¸¦¬÷¸¡¸¸Ê ‚¸¾£ ™½¡¸÷¸¸‚¸Ê ˆÅ¸½ ÷¸º¥¸›¸œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ û½Å”¸ƒÄ ׸£¸ ‚¢š¸¬¸»¢¸÷¸ ¤¸¿™ ¢¨¸¢›¸Ÿ¸¡¸ ™£¸Ê œ¸£ ³Åœ¸¸¿÷¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸
í¾, ‚¸¡¸ ‚¸¾£ ¨¡¸¡¸ Ÿ¸™¸Ê ˆÅ¸ °¸¾Ÿ¸¸¢¬¸ˆÅ ‚¸¾¬¸÷¸ ™£¸Ê œ¸£ ³Åœ¸¸¿÷¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ¢¨¸¢›¸Ÿ¸¡¸ ‚¿÷¸£¸Ê ¬¸½ „÷œ¸››¸ œ¸¢£µ¸¸Ÿ¸ú ¥¸¸ž¸ / í¸¢›¸ ˆÅ¸½ ¢¨¸™½©¸ú Ÿ¸ºÍ¸
¢¨¸¢›¸Ÿ¸¡¸ ‰¸¸÷¸½ Ÿ¸Ê ÷¸¤¸ ÷¸ˆÅ ¬¸¿¸¡¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ÷¸ˆÅ ¢ˆÅ ‡‡¬¸-11, ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ™£¸Ê Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ ˆ½Å œÏž¸¸¨¸ ‚¸¾£ ‚¸£¤¸ú‚¸ƒÄ ˆ½Å Ÿ¸¸¾¸»™¸ ¢™©¸¸¢›¸™½Ä©¸¸Ê
ˆ½Å ‚›¸º¬¸¸£ Š¸¾£-‡ˆÅúˆ¼Å÷¸ ¢¨¸™½©¸ú œ¸¢£¸¸¥¸›¸¸Ê ˆÅ¸ ¢›¸œ¸’¸›¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Operations of foreign branch are classified as `Non-Integral Foreign Operations’. Both monetary and non-monetary
foreign currency assets and liabilities of non-integral foreign operations are translated at closing exchange rates notified
by FEDAI at the Balance Sheet date, Income and Expenditure items are translated at quarterly average rates and the
resulting profit / loss arising from exchange differences are accumulated in the Foreign Currency Translation Account until
disposal of the non-integral foreign operations in accordance with AS-11, The Effects of Changes in Foreign Exchange
Rates and the extant RBI guidelines.

‚¸. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

B. In case of IDBI Assets Management Limited
¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¥¸½›¸™½›¸¸Ê ˆÅ¸½ ¥¸½›¸™½›¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ œÏ¸¢¥¸÷¸ ¢¨¸¢›¸Ÿ¸¡¸ ™£¸½¿ œ¸£ ™¸Ä ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢›¸œ¸’¸›¸ ¢ˆÅ‡ Š¸‡ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¥¸½›¸™½›¸¸Ê ˆ½Å ˆÅ¸£µ¸ í¸½›¸½
¨¸¸¥¸½ ¢¨¸¢›¸Ÿ¸¡¸ ‚¿÷¸£, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸ ¢¨¸¨¸£µ¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.

494 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

Foreign currency transactions are recorded at the rates of exchange prevailing on the date of the transactions. Exchange
difference, if any, arising out of the foreign exchange transactions settled during the year are recognized in the statement of Profit
and Loss.

ƒ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄΓ¸ ‡¿” ¢¬¸Æ¡¸º¢£’ú¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

C. In case of IDBI Capital Markets & Securities Limited
¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¥¸½›¸™½›¸¸Ê ˆÅ¸½ ¥¸½›¸™½›¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ œÏ¸¢¥¸÷¸ ¢¨¸¢›¸Ÿ¸¡¸ ™£¸½¿ œ¸£ ™¸Ä ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê ¢¨¸™½©¸ú Ÿ¸ºÍ¸ Ÿ¸Ê Ÿ¸»¥¡¸¨¸¢Š¸Ä÷¸ Ÿ¸¸¾¢ÍˆÅ Ÿ¸™¸Ê ˆÅú ¢£œ¸¸½¢’ôŠ¸
¤¸¿™ ¢¨¸¢›¸Ÿ¸¡¸ ™£ ˆÅ¸ œÏ¡¸¸½Š¸ ˆÅ£÷¸½ íº‡ ˆÅú ¸¸÷¸ú í¾. „›¸ œ¸£ „÷œ¸››¸ í¸½›¸½ ¨¸¸¥¸½ ÷¸˜¸¸ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ˆÅú ¨¸¬¸»¥¸ú/ž¸ºŠ¸÷¸¸›¸ œ¸£ í¸½›¸½ ¨¸¸¥¸½ ¢¨¸¢›¸Ÿ¸¡¸ ‚¿÷¸£ ˆÅ¸½ ¬¸¿¤¸¿¢š¸÷¸ ¨¸«¸Ä
Ÿ¸Ê ‚¸¡¸ ¡¸¸ ¨¡¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾.
Foreign currency transactions are recorded at the rates of exchange prevailing on the date of the transaction. At the year end,
monetary items denominated in foreign currency are reported using the closing rate of exchange. Exchange difference arising
thereon and on realization / payments of foreign exchange are accounted as income or expenses in the relevant year.

ƒÄ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ƒ¿’½ˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

D. In case of IDBI Intech Limited
¢¨¸™½©¸ú Ÿ¸ºÍ¸ Ÿ¸Ê ¥¸½›¸™½›¸¸Ê ˆÅ¸½ ¥¸½›¸™½›¸ ˆ½Å ¬¸Ÿ¸¡¸ œÏž¸¸¨¸ú ¢¨¸¢›¸Ÿ¸¡¸ ˆÅú Ÿ¸»¥¸ ™£ œ¸£ ™¸Ä ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¥¸½›¸™½›¸¸Ê ˆ½Å ¢›¸œ¸’¸›¸ ¬¸½ „÷œ¸››¸ ¢¨¸¢›¸Ÿ¸¡¸ ‚¿÷¸£
ˆÅ¸½ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ˆ½Å ¢¨¸¨¸£µ¸ Ÿ¸Ê ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾. ¢¨¸™½©¸ú Ÿ¸ºÍ¸ Ÿ¸Ê Ÿ¸»¥¡¸¨¸¢Š¸Ä÷¸ Ÿ¸¸¾¢ÍˆÅ Ÿ¸™¸Ê ˆÅ¸½ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ œÏ¸¢¥¸÷¸ ¢¨¸¢›¸Ÿ¸¡¸ ™£ ˆÅ¸ œÏ¡¸¸½Š¸ ˆÅ£
œ¸º›¸À™©¸¸Ä¡¸¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ƒ¬¸ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ í¸½›¸½ ¨¸¸¥¸½ ¢›¸¨¸¥¸ ¢¨¸¢›¸Ÿ¸¡¸ ‚¿÷¸£ ˆÅ¸½ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ¢¨¸¨¸£µ¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
Transactions in foreign currency are recorded at the original rate of exchange in force at the time transactions are effected.
Exchange differences arising on settlement of foreign currency transactions are recognized in the Statement of Profit and Loss.
Monetary items denominated in foreign currency are restated using the exchange rate prevailing at the date of the Balance Sheet
and the resulting net exchange difference is recognized in the Statement of Profit and Loss.

Ÿ¸ºÍ¸ ™£¸Ê Ÿ¸Ê „÷¸¸£-¸õ¸¨¸ ¬¸½ „÷œ¸››¸ í¸½›¸½ ¨¸¸¥¸ú ‚¦¬˜¸£÷¸¸ ˆÅ¸½ ›¡¸»›¸÷¸Ÿ¸ ˆÅ£›¸½ ˆÅú ´¦«’ ¬¸½, ˆ¿Åœ¸›¸ú ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¨¸¸¡¸™¸ ¬¸¿¢¨¸™¸‡¿ ¢›¸«œ¸¸¢™÷¸ ˆÅ£÷¸ú í¾. ¨¸¸¡¸™¸ ¢¨¸¢›¸Ÿ¸¡¸
¬¸¿¢¨¸™¸‡¿ ‚¸¾£ ‚›¡¸ ¬¸Ÿ¸¸›¸ ¢¥¸‰¸÷¸ ¸¸½ œ¸»¨¸¸Ä›¸ºŸ¸¸¢›¸÷¸ ¥¸½›¸™½›¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ›¸íú¿ íÿ, „›íÊ ¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ ('‡‡¬¸') 11 '¢¨¸™½©¸ú ¢¨¸¢›¸Ÿ¸¡¸ ™£¸Ê Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ ˆ½Å œÏž¸¸¨¸'
Ÿ¸Ê ¢™¡¸½ Š¸¡¸½ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£÷¸½ íº‡ ¥¸½‰¸¸¿¢ˆÅ÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ƒ›¸ ¨¸¸¡¸™¸ ¢¨¸¢›¸Ÿ¸¡¸ ¬¸¿¢¨¸™¸‚¸Ê ‚¸¾£ ‡‡¬¸-11 ׸£¸ ˆÅ¨¸£ ¢ˆÅ‡ Š¸‡ ‚›¡¸ ¬¸Ÿ¸¸›¸ ¢¥¸‰¸÷¸¸Ê
ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¬¸¿¢¨¸™¸ ˆÅú œÏˆ¼Å¢÷¸ ‚¸¾£ „Ó½©¡¸ ˆ½Å ‚¸š¸¸£ œ¸£ ¡¸¸ ÷¸¸½ ¬¸¿¢¨¸™¸‚¸Ê ˆÅ¸½ ¢£œ¸¸½¢’ôŠ¸ ¢÷¸¢˜¸ œ¸£ ¨¸¸¡¸™¸ ™£/„¢¸÷¸ Ÿ¸»¥¡¸ ˆ½Å ‚¸š¸¸£ œ¸£ ™¸Ä ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾, ¡¸¸
¢£œ¸¸½¢’ôŠ¸ ¢÷¸¢˜¸ œ¸£ ¬œ¸¸Á’ ¢¨¸¢›¸Ÿ¸¡¸ ™£ ˆ½Å ‚¸š¸¸£ œ¸£ ™¸Ä ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
With a view to minimize the volatility arising from fluctuations in currency rates, the Company enters into foreign exchange
forward contracts. Forward exchange contracts and other similar instruments that are not in respect of forecasted transactions
are accounted for using the guidance in Accounting Standard (‘AS’) 11, ‘The effects of changes in foreign exchange rates’.
For such forward exchange contracts and other similar instruments covered by AS-11, based on the nature and purpose of
the contract, either the contracts are recorded based on the forward rate/fair value at the reporting date, or based on the spot
exchange rate on the reporting date.

„. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’﬒ú¢©¸œ¸ ¬¸¢¨¸Ä¬¸½¬¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

E. In case of IDBI Trusteeship Services Limited
¢¨¸™½©¸ú Ÿ¸ºÍ¸ Ÿ¸Ê ¥¸½›¸™½›¸¸Ê ˆÅ¸½ ¥¸½›¸™½›¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ œÏ¸¢¥¸÷¸ ¢¨¸¢›¸Ÿ¸¡¸ ™£¸Ê ˆÅ¸½ ¥¸¸Š¸» ˆÅ£ ¤¸¢í¡¸¸Ê Ÿ¸Ê ™¸Ä ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ‚¸¦¬÷¸¡¸¸Ê ‚¸¾£ ™½¡¸÷¸¸‚¸Ê Ÿ¸Ê
Ÿ¸»¥¡¸¨¸¢Š¸Ä÷¸ ¬¸ž¸ú Ÿ¸¸¾¢ÍˆÅ Ÿ¸™¸Ê ˆÅ¸½ ¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê œÏ¸¢¥¸÷¸ ¢¨¸¢›¸Ÿ¸¡¸ ™£ œ¸£ œ¸º›¸À ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾. ¢›¸œ¸’¸›¸ ¡¸¸ ¥¸½›¸™½›¸ œ¸£ ¢¨¸¢›¸Ÿ¸¡¸ ‚¿÷¸£ ˆ½Å ˆÅ¸£µ¸ ‚¸¡¸ ¡¸¸ ¨¡¸¡¸
ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
Transactions in foreign currencies are recorded in the books by applying the exchange rates prevailing on the date of the
transaction. All monetary items denominated in foreign currency assets and liabilities are restated at the exchange rate prevailing
at the year end. Any income or expense on account of the exchange difference either on settlement or on transaction is
recognized in the profit & loss account.

…. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‡Ÿ¸‡ûÅ ’﬒ú ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸½¿

F. In case of IDBI MF Trustee Company Limited
¢¨¸™½©¸ú Ÿ¸ºÍ¸‚¸Ê Ÿ¸Ê ¥¸½›¸-™½›¸¸Ê ˆÅ¸½ ¥¸½›¸-™½›¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ œÏ¸¢¥¸÷¸ ¢¨¸¢›¸Ÿ¸¡¸ ™£¸Ê œ¸£ ™¸Ä ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¢¨¸™½©¸ú Ÿ¸ºÍ¸ Ÿ¸¸¾¢ÍˆÅ Ÿ¸™¸Ê ˆÅ¸½ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½
œÏ¸¢¥¸÷¸ ¢¨¸¢›¸Ÿ¸¡¸ ™£¸Ê œ¸£ œ¸º›¸À ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾. ¢¨¸¢›¸Ÿ¸¡¸ ™£¸Ê Ÿ¸Ê „÷¸¸£-¸õ¸¨¸ ¬¸½ „÷œ¸››¸ í¸½›¸½ ¨¸¸¥¸½ ¬¸ž¸ú ¥¸¸ž¸ ‚¸¾£ í¸¢›¸¡¸¸Ê ˆÅ¸½ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ˆ½Å ¢¨¸¨¸£µ¸ Ÿ¸Ê
™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.

dm{f©H$ [anmoQ>© Annual Report 2023-24 495

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

Transactions in foreign currencies are accounted for at the prevailing rates of exchange on the date of transaction. Foreign
currency monetary items are restated at the prevailing rates of exchange as at the Balance Sheet date. All gains and losses
arising out of fluctuations in exchange rates are accounted for in the Statement of Profit and Loss.

13. ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ / Employee Benefits

‚. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
A. In case of IDBI Bank Limited
(i) œ¸Ê©¸›¸ / Pension

œ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸ ¡¸¸½¸›¸¸ ˆ½Å ÷¸í÷¸ œ¸Ê©¸›¸ ˆ½Å ¢¥¸‡ œ¸¸°¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å ¬¸Ÿ¸»í ˆÅ¸½ ™½¡¸ œ¸Ê©¸›¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê, ¤¸ÿˆÅ ‚œ¸›¸½ ׸£¸ ¬˜¸¸¢œ¸÷¸ ‚¸¾£ ›¡¸¸¬¸ú ¤¸¸½”Ä ×¸£¸
œÏ©¸¸¢¬¸÷¸ œ¸Ê©¸›¸ û¿Å” ’﬒ ˆÅ¸½ ¨¸½÷¸›¸ ˆÅ¸ 10% ¡¸¸½Š¸™¸›¸ ™½÷¸¸ í¾. ¤¸ÿˆÅ œÏ÷¡¸½ˆÅ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ œ¸Ê©¸›¸ ™½¡¸÷¸¸ ˆ½Å ‡ˆÅ ¬¨¸÷¸¿°¸ ¤¸úŸ¸¸¿¢ˆÅˆÅ Ÿ¸»¥¡¸¸¿ˆÅ›¸
ˆ½Å ‚¸š¸¸£ œ¸£ ™½¡¸÷¸¸ Ÿ¸Ê ˆÅŸ¸ú ˆ½Å ¢¥¸‡ ‚¢÷¸¢£Æ÷¸ £¸¢©¸ ˆÅ¸ ¡¸¸½Š¸™¸›¸ ™½÷¸¸ í¾, ¢¸¬¸ˆÅú Š¸µ¸›¸¸ ¸›¸¬¸¸¿¦‰¡¸ˆÅú, ¨¸½÷¸›¸ ¨¸¼¢Ö, ›¸¸¾ˆÅ£ú Ž¸½”õ›¸½ ˆÅú ™£, Ÿ¸¼÷¡¸º ™£
‚¸¾£ Ž»’ ™£ ˆ½Å ¤¸¸£½ Ÿ¸Ê ˆºÅŽ Ÿ¸¸›¡¸÷¸¸‚¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ˆÅú ¸¸÷¸ú í¾. œÏ¸½¸½Æ’½” ¡¸»¢›¸’ ǽŢ”’ Ÿ¸½˜¸” ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£ˆ½Å ™½¡¸÷¸¸ / œ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸ ¢›¸š¸¸Ä¢£÷¸
¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¤¸úŸ¸¸¿¢ˆÅˆÅ ¥¸¸ž¸ ¡¸¸ í¸¢›¸ ˆÅ¸½ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê „¬¸ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾ ¢¸¬¸Ÿ¸Ê ¨¸½ í¸½÷¸½ íÿ.
In respect of Pension payable to the group of employees who are eligible for Pension under Defined Benefit Scheme,
Bank contributes 10% of pay to Pension Fund Trust set up by the Bank and administered by the Board of Trustees. Bank
further contributes for an additional amount towards the liability shortfall, based on an independent Actuarial valuation
of Pension liability at each Balance Sheet date which is calculated based on certain assumptions about demographics,
salary increase, attrition rate, mortality rate and discounting rate. The liability / defined benefit is determined using the
Projected Unit Credit Method. Actuarial gains or losses are recognized in the profit and loss account for the period in
which they occur.

(ii) ›¸ƒÄ œ¸Ê©¸›¸ ¡¸¸½¸›¸¸ (‡›¸œ¸ú‡¬¸) / New Pension Scheme (NPS)

›¸ƒÄ œ¸Ê©¸›¸ ¡¸¸½¸›¸¸(‡›¸œ¸ú‡¬¸) ˆ½Å ÷¸í÷¸ ˆÅ¨¸£ ¢ˆÅ‡ Š¸‡ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê, ¤¸ÿˆÅ œ¸¢£ž¸¸¢«¸÷¸ ¡¸¸½Š¸™¸›¸ ¡¸¸½¸›¸¸ Ÿ¸Ê ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å ¨¸½÷¸›¸ ˆÅ¸ ‡ˆÅ ¢›¸¢ä¸÷¸
œÏ¢÷¸©¸÷¸ ¡¸¸½Š¸™¸›¸ ™½÷¸¸ í¾, ¢¸¬¸½ œ¸Ê©¸›¸ û¿Å” ˆ¿Åœ¸¢›¸¡¸¸Ê ׸£¸ œÏ¤¸¿¢š¸÷¸ ‚¸¾£ œÏ©¸¸¢¬¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¤¸ÿˆÅ ˆÅ¸ ƒ¬¸ˆ½Å ¡¸¸½Š¸™¸›¸ ˆ½Å ‚¥¸¸¨¸¸ ˆÅ¸½ƒÄ ™¸¢¡¸÷¨¸ ›¸íú¿ í¾
‚¸¾£ ƒ¬¸ ÷¸£í ˆ½Å ¡¸¸½Š¸™¸›¸ ˆÅ¸½ ¨¸«¸Ä Ÿ¸Ê ¢ˆÅ‡ Š¸‡ ‰¸¸Ä ˆ½Å ³Åœ¸ Ÿ¸Ê Ÿ¸¸›¡¸÷¸¸ ™½÷¸¸ í¾.
In respect of the employees covered under New Pension Scheme (NPS), Bank contributes a certain percentage of the
Salary of employees to the defined scheme, a defined contribution plan, which is managed and administered by Pension
Fund companies. Bank has no liability other that its contribution and recognizes such contribution as an expense in the
year incurred.

(iii) ®¸¢÷¸œ¸»¢£÷¸ ‚›¸ºœ¸¢¬˜¸¢÷¸¡¸¸¿ / Compensated Absences

¤¸ÿˆÅ ˆ½Å ˆÅŸ¸Ä¸¸£ú ¢¨¸¢ž¸››¸ ®¸¢÷¸œ¸»¢£÷¸ ‚›¸ºœ¸¦¬˜¸¢÷¸¡¸¸½¿ ˆ½Å íˆÅ™¸£ íÿ. ˆÅŸ¸Ä¸¸£ú ‚œÏ¡¸ºÆ÷¸ „œ¸¢¸÷¸ ®¸¢÷¸œ¸»¢£÷¸ ‚›¸ºœ¸¦¬˜¸¢÷¸ ˆ½Å ‡ˆÅ ¢í¬¬¸½ ˆÅ¸½ ‚¸Š¸½ ¥¸½ ¸¸
¬¸ˆÅ÷¸½ íÿ ‚¸¾£ ž¸¢¨¸«¡¸ Ÿ¸Ê ƒ¬¸ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£ ¬¸ˆÅ÷¸½ íÿ ¡¸¸ ¢›¸¢™Ä«’ ¢™›¸¸Ê ÷¸ˆÅ ˆºÅŽ œÏˆÅ¸£ ˆÅú ‚œÏ¡¸ºÆ÷¸ „œ¸¢¸÷¸ ®¸¢÷¸œ¸»¢£÷¸ ‚›¸ºœ¸¦¬˜¸¢÷¸ ˆ½Å ¢¥¸‡ ¬¸½¨¸¸¢›¸¨¸¼¢÷¸
¡¸¸ £¸½¸Š¸¸£ ˆÅú ¬¸Ÿ¸¸¦œ÷¸ œ¸£ ›¸ˆÅ™ œÏ¸œ÷¸ ˆÅ£ ¬¸ˆÅ÷¸½ íÿ. ¤¸ÿˆÅ ‡ˆÅ ¬¨¸÷¸¿°¸ ¤¸úŸ¸¸¿¢ˆÅˆÅ ׸£¸ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ¢ˆÅ¡¸½ Š¸¡¸½ ¤¸úŸ¸¸¿¢ˆÅˆÅ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ‚¸š¸¸£
œ¸£ ®¸¢÷¸œ¸»¢£÷¸ ‚›¸ºœ¸¦¬˜¸¢÷¸ ˆ½Å ¢¥¸‡ ™¸¢¡¸÷¨¸ „œ¸¢¸÷¸ ˆÅ£÷¸¸ í¾, Ÿ¸»¥¡¸¸¿ˆÅ›¸ Ÿ¸Ê ¸›¸¬¸¸¿¦‰¡¸ˆÅú, ¬¸Ÿ¸¡¸œ¸»¨¸Ä ¬¸½¨¸¸¢›¸¨¸¼¢÷¸, ¨¸½÷¸›¸ ¨¸¼¢Ö, ¤¡¸¸¸ ™£¸Ê ‚¸¾£ Žº’Ã’ú ˆ½Å
„œ¸¡¸¸½Š¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê š¸¸£µ¸¸‡¿ ©¸¸¢Ÿ¸¥¸ íÿ. ¤¸ÿˆÅ¸Ê ˆ½Å ™¸¢¡¸÷¨¸ ˆÅ¸ ¢›¸¨¸¥¸ ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ ÷¸º¥¸›¸-œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ œÏ¸½¸½Æ’½” ¡¸»¢›¸’ ǽŢ”’ Ÿ¸½˜¸” ˆÅ¸ „œ¸¡¸¸½Š¸
ˆÅ£ˆ½Å ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¤¸úŸ¸¸¿¢ˆÅˆÅ ¥¸¸ž¸/ í¸¢›¸ ˆÅ¸½ „¬¸ ¨¸«¸Ä ˆ½Å ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾ ¢¸¬¸Ÿ¸Ê ¨¸½ „÷œ¸››¸ í¸½÷¸½ íÿ.
The employees of the Bank are entitled to various compensated absences. The employees can carry forward a portion of
the unutilized accrued compensated absence and utilize it in future periods or receive cash compensation at retirement
or termination of employment for certain types of unutilized accrued compensated absence upto specified number of
days. The Bank accrues the liability for compensated absences based on the actuarial valuation as at the Balance Sheet
date conducted by an independent actuary which includes assumptions about demographics, early retirement, salary
increases, interest rates and leave utilization. The net present value of the Banks’ obligation is determined using the
Projected Unit Credit Method as at the Balance Sheet date. Actuarial gains / losses are recognized in the Profit and Loss
Account in the year in which they arise.

(iv) ¬¨¸¾¦ŽˆÅ ¬¨¸¸¬˜¡¸ ¡¸¸½¸›¸¸ (¨¸ú‡¸‡¬¸) / Voluntary Health Scheme (VHS)

¤¸ÿˆÅ ˆÅú ‡ˆÅ ¬¨¸¾¦ŽˆÅ ¬¨¸¸¬˜¡¸ ¡¸¸½¸›¸¸ (¨¸ú‡¸‡¬¸) í¾ ¸¸½ ¢¨¸¢ž¸››¸ ŠÏ½” ˆ½Å ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å ¢¥¸‡ ¢›¸š¸¸Ä¢£÷¸ ¬¸úŸ¸¸ (‹¸£½¥¸» ‚¸¾£ ‚¬œ¸÷¸¸¥¸ Ÿ¸Ê ž¸÷¸úÄ) ˆ½Å
‚›¸º¬¸¸£ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ‚¸¾£ „›¸ˆ½Å œ¸¢÷¸/œ¸÷›¸ú ÷¸˜¸¸ ‚¸¢ª÷¸ ¤¸¸¸Ê (¸¸½ ¥¸¸Š¸» í¸½) ˆÅú ¬¸½¨¸¸¢›¸¨¸¼¢î¸ ˆ½Å ¤¸¸™ ˆÅú ¢¸¢ˆÅ÷¬¸¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£÷¸ú í¾. ¡¸í
¡¸¸½¸›¸¸ ¬¨¸¾¦ŽˆÅ ˜¸ú ‚¸¾£ ¬¸™¬¡¸÷¸¸ ˆ½Å ¢¥¸‡ ¤¸¿™ ˆÅ£ ™ú Š¸ƒÄ í¾. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, ¤¸ÿˆÅ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ƒ¬¸ ¡¸¸½¸›¸¸ ˆ½Å ¢¥¸‡ ‡ˆÅ ¬¨¸÷¸¿°¸ ¤¸úŸ¸¸¿¢ˆÅˆÅ

496 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ‚¸š¸¸£ œ¸£ ˆÅŸ¸ú £¸¢©¸ ˆ½Å ¢¥¸‡ ‚¢÷¸¢£Æ÷¸ £¸¢©¸ ˆÅ¸ ¡¸¸½Š¸™¸›¸ ™½÷¸¸ í¾, ¢¸¬¸ˆÅú Š¸µ¸›¸¸ ‚¨¸¢š¸ Ÿ¸Ê û¿Å” ˆ½Å ¨¸¸¬÷¸¢¨¸ˆÅ „œ¸¡¸¸½Š¸ ‚¸¾£ „›¸ ¥¸¸½Š¸¸Ê ˆ½Å
¢¥¸‡ ©¸½«¸ ¬¸úŸ¸¸ ˆ½Å ‚¸š¸¸£ œ¸£ ˆÅú ¸¸÷¸ú í¾ ¢¸›í¸Ê›¸½ ¡¸¸½¸›¸¸ Ÿ¸Ê ‚¢ž¸™¸›¸ ¢ˆÅ¡¸¸ í¾.
The Bank has a Voluntary Health Scheme (VHS) which caters to the post-retirement medical needs of the employees and
their spouse & dependent children (as applicable) as per the limits (domiciliary and hospitalization) set for various Grades
of employees. This scheme was optional and has been closed for subscription. Further, Bank contributes for an additional
amount towards the shortfall amount based on an independent actuarial valuation for this scheme as on Balance Sheet
date which is calculated based on the actual utilization of the fund for the period and the balance limits for those who
have subscribed to the scheme.

(v) ŠÏ½¡¸º’ú / Gratuity

¤¸ÿˆÅ ˆÅ¸ ŠÏ½¡¸º’ú ˆ½Å ¢¥¸‡ ™¸¢¡¸÷¨¸ í¾. ¡¸í ‡ˆÅ œ¸¢£ž¸¸¢«¸÷¸ ¬¸½¨¸¸¢›¸¨¸¼¢î¸ ¥¸¸ž¸ ¡¸¸½¸›¸¸ í¾ ¢¸¬¸Ÿ¸Ê ¬¸ž¸ú œ¸¸°¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ ƒ¬÷¸úûŸ, ¬¸½¨¸¸¢›¸¨¸¼¢î¸, £¸½¸Š¸¸£ ˆ½Å
™¸¾£¸›¸ Ÿ¸¼÷¡¸º ¡¸¸ £¸½¸Š¸¸£ ˆÅú ¬¸Ÿ¸¸¦œ÷¸ œ¸£ ©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ¤¸ÿˆÅ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆÅŸ¸Ä¸¸£ú ŠÏ½¡¸º’ú û¿Å” ’﬒ Ÿ¸Ê ¡¸¸½Š¸™¸›¸ ™½÷¸¸ í¾, ¢¸¬¸½ ’怜’¡¸¸Ê ׸£¸
œÏ©¸¸¢¬¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¢¸›¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ›¸½ 5 ¬¸¸¥¸ ˆÅú ¬¸½¨¸¸ œ¸»£ú ˆÅ£ ¥¸ú í¾ ¥¸½¢ˆÅ›¸ 10 ¬¸¸¥¸ ¬¸½ ˆÅŸ¸ í¸½, „›íÊ ŠÏ½¡¸º’ú ‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å ‚›¸º¬¸¸£ ŠÏ½¡¸º’ú ˆÅ¸
ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ŠÏ½¡¸º’ú ˆ½Å ž¸ºŠ¸÷¸¸›¸ ˆ½Å ¢¥¸‡ ŠÏ½¡¸º’ú ‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å ¢›¸¡¸Ÿ¸¸Ê ˆ½Å ‚¥¸¸¨¸¸ ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ŠÏ½¡¸º’ú ¢›¸¡¸Ÿ¸, 2004 ˆÅ¸ ‡ˆÅ ‚¥¸Š¸ ¬¸½’ í¾.
ŠÏ½¡¸º’ú ¢›¸¡¸Ÿ¸, 2004 „›¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê œ¸£ ¥¸¸Š¸» í¸½÷¸½ íÿ ¢¸›í¸Ê›¸½ 10 ¬¸¸¥¸ ˆÅú ¬¸½¨¸¸ ‚¨¸¢š¸ œ¸»£ú ˆÅ£ ¥¸ú í¾ ‚¸¾£ „›¸ˆ½Å ¢¥¸‡ ŠÏ½¡¸º’ú ˆÅú Š¸µ¸›¸¸ ˆ½Å ¢¥¸‡ ‡ˆÅ
‚¥¸Š¸ œ¸Ö¢÷¸ í¾. ‡½¬¸½ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å ¢¥¸‡ ŠÏ½¡¸º’ú ˆÅú Š¸µ¸›¸¸ ŠÏ½¡¸º’ú ‚¢š¸¢›¸¡¸Ÿ¸ ‚¸¾£ ŠÏ½¡¸º’ú ¢›¸¡¸Ÿ¸ ™¸½›¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ˆÅú ¸¸÷¸ú í¾ ‚¸¾£ ¸¸½ ž¸ú ˆÅŸ¸Ä¸¸£ú
ˆ½Å ¢¥¸‡ ûŸ¡¸™½Ÿ¸¿™ í¸½, „¬¸ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
The bank has an obligation towards gratuity, a defined benefit retirement plan covering all eligible employees on
resignation, retirement, death while in employment or on termination of employment. The Bank makes contributions
to IDBI Bank Employees’ Gratuity Fund Trust, administered by the Trustees. The employees who have completed 5
years of service but less than 10 years, Gratuity is paid as per Gratuity Act. Bank has a separate set of Gratuity Rules,
2004 apart from the rules as per Gratuity Act for payment of Gratuity. The Gratuity Rules, 2004 are applicable to those
employees who have completed 10 years of service period and has a separate methodology for calculation of Gratuity.
For such employees gratuity is calculated as per both Gratuity Act and Gratuity Rules and are paid the amount whichever
is beneficial to employee.

¤¸ÿˆÅ °¸¾Ÿ¸¸¢¬¸ˆÅ ‚¸š¸¸£ œ¸£ ŠÏ½¡¸º’ú ™½¡¸÷¸¸ ˆ½Å ¬¨¸÷¸¿°¸ ¤¸úŸ¸¸¿¢ˆÅˆÅ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ‚¸š¸¸£ œ¸£ ™½¡¸÷¸¸ Ÿ¸Ê ˆÅŸ¸ú ˆ½Å ¢¥¸‡ ¡¸¸½Š¸™¸›¸ ™½÷¸¸ í¾, ¢¸¬¸ˆÅú Š¸µ¸›¸¸
¸›¸¬¸¸¿¦‰¡¸ˆÅú, ¨¸½÷¸›¸ ¨¸¼¢Ö, ›¸¸¾ˆÅ£ú Ž¸½”õ›¸½ ˆÅú ™£, Ÿ¸¼÷¡¸º ™£ ‚¸¾£ Ž»’ ™£ ˆ½Å ¤¸¸£½ Ÿ¸Ê ˆºÅŽ Ÿ¸¸›¡¸÷¸¸‚¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ˆÅú ¸¸÷¸ú í¾. œÏ¸½¸½Æ’½” ¡¸»¢›¸’ ǽŢ”’
Ÿ¸½˜¸” ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£ˆ½Å ™½¡¸÷¸¸ / œ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸ ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¤¸úŸ¸¸¿¢ˆÅˆÅ ¥¸¸ž¸ ¡¸¸ í¸¢›¸ ˆÅ¸½ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê „¬¸ ‚¨¸¢š¸ Ÿ¸Ê ¢™‰¸¸¡¸¸
¸¸÷¸¸ í¾ ¢¸¬¸Ÿ¸Ê ¨¸½ í¸½÷¸½ íÿ.
Bank contributes towards the liability shortfall, based on an independent Actuarial Valuation of Gratuity liability on a
quarterly basis which is calculated based on certain assumptions about demographics, salary increase, attrition
rate, mortality rate and discounting rate. The liability / defined benefit is determined using the Projected Unit
Credit Method. Actuarial gains or losses are recognized in the profit and loss account for the period in which they
occur.

(vi) ž¸¢¨¸«¡¸ ¢›¸¢š¸ / Provident Fund

¤¸ÿˆÅ ‡ˆÅ ‚¥¸Š¸ ’﬒ (‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆÅŸ¸Ä¸¸£ú ž¸¢¨¸«¡¸ ¢›¸¢š¸ ’﬒) ˆÅ¸½ œ¸»¨¸Ä ¢›¸š¸¸Ä¢£÷¸ ™£¸Ê œ¸£ ž¸¢¨¸«¡¸ ¢›¸¢š¸ Ÿ¸Ê ¢›¸¢ä¸÷¸ ¡¸¸½Š¸™¸›¸ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ˆÅ£÷¸¸
í¾, ¸¸½ ‚›¸ºŸ¸÷¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê Ÿ¸Ê ¢›¸¢š¸¡¸¸Ê ˆÅ¸ ¢›¸¨¸½©¸ ˆÅ£÷¸¸ í¾. ¨¸«¸Ä ˆ½Å ¢¥¸‡ ¢›¸¢š¸ Ÿ¸Ê ¡¸¸½Š¸™¸›¸ ˆÅ¸½ ¨¡¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê Ÿ¸¸›¡¸÷¸¸ ™ú ¸¸÷¸ú í¾ ÷¸˜¸¸ ¥¸¸ž¸ ‚¸¾£
í¸¢›¸ ¥¸½‰¸½ Ÿ¸½¿ œÏž¸¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¤¸ÿˆÅ ˆÅ¸ ™¸¢¡¸÷¨¸ ‡½¬¸½ ¢›¸¢ä¸÷¸ ¡¸¸½Š¸™¸›¸ ˆÅ£›¸¸ ÷¸˜¸¸ ž¸¸£÷¸ ¬¸£ˆÅ¸£ ׸£¸ ¢›¸¢™Ä«’ (ƒÄœ¸ú‡ûöÅ‚¸½ ™£¸Ê) ˆ½Å ‚›¸º¬¸¸£
¬¸™¬¡¸¸Ê ˆ½Å ¢¥¸‡ ›¡¸»›¸÷¸Ÿ¸ ¢£’›¸Ä ™£ ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸¸ í¾. ƒÄœ¸ú‡ûöÅ‚¸½ œÏ¢÷¸¥¸¸ž¸ ™£ ¬¸½ Ÿ¸½¥¸ ‰¸¸›¸½ ˆ½Å ¢¥¸‡ û¿Å” ˆÅú ‚¸¦¬÷¸¡¸¸Ê Ÿ¸Ê ˆÅŸ¸ú, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ¸¸½
¬¨¸÷¸¿°¸ ¤¸úŸ¸¸¿¢ˆÅˆÅ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ‚¸š¸¸£ œ¸£ ¢›¸š¸¸Ä¢£÷¸ ˆÅú ¸¸÷¸ú í¾ ÷¸¸½ „¬¸½ ¤¸ÿˆÅ ׸£¸ œ¸»£¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ¥¸¸ž¸ ‡¨¸¿ í¸¢›¸ ¥¸½‰¸½ ¬¸½ œÏž¸¸¢£÷¸ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾.
The Bank pays fixed contribution to the provident fund at predetermined rates to a separate trust (IDBI Bank
Employees Provident Fund Trust), which invests the funds in permitted securities. The contributions to the fund
for the year are recognized as expense and are charged to the Profit and Loss Account. The obligation of the
Bank is to make such fixed contributions and to ensure a minimum rate of return to the members as specified by
the Government of India (EPFO rates). Shortfall in the fund assets to match EPFO rate of return, if any, determined
based on the independent actuarial valuation, is made good by the bank and charged to the Profit and Loss
Account.

dm{f©H$ [anmoQ>© Annual Report 2023-24 497

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

‚¸. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄΓ¸ ‡¿” ¢¬¸Æ¡¸º¢£’ú¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
B. In case of IDBI Capital Markets & Securities Limited

a. œ¸¢£ž¸¸¢«¸÷¸ ¡¸¸½Š¸™¸›¸ ¡¸¸½¸›¸¸‡¿ / Defined contribution plans

ˆ¿Åœ¸›¸ú ˆÅú ž¸¸£÷¸ Ÿ¸Ê ž¸¢¨¸«¡¸ ¢›¸¢š¸ ‚¸¾£ ‚¢š¸¨¸¢«¸Ä÷¸¸ ¢›¸¢š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê £¸½¸Š¸¸£ ˆ½Å ¤¸¸™ ˆ½Å ¥¸¸ž¸¸Ê ˆ½Å ¢¥¸‡ œ¸¢£ž¸¸¢«¸÷¸ ¡¸¸½Š¸™¸›¸ ¡¸¸½¸›¸¸‡¿ íÿ ¸¸½ ž¸¸£÷¸ ¬¸£ˆÅ¸£ ‚¸¾£/¡¸¸
ž¸¸£÷¸ú¡¸ ¸ú¨¸›¸ ¤¸úŸ¸¸ ¢›¸Š¸Ÿ¸ (‡¥¸‚¸ƒÄ¬¸ú) ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ œÏ©¸¸¢¬¸÷¸ íÿ. ¡¸¸½Š¸™¸›¸ ˆÅ¸½ „¬¸ ¨¸«¸Ä ˆ½Å ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ¥¸½‰¸½ Ÿ¸½¿ œÏž¸¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ¬¸¿¤¸¿¢š¸÷¸ ¢›¸¢š¸¡¸¸Ê
Ÿ¸Ê ¡¸¸½Š¸™¸›¸ ™½¡¸ í¸½÷¸¸ í¾.
The Company has defined contribution plans for post-employment benefits in the form of provident fund and superannuation
fund in India which are administered through Government of India and/or Life Insurance Corporation of India (LIC).
Contributions are charged to the Profit & Loss Account of the year when the contributions to the respective funds
are due.

b. œ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸ ¡¸¸½¸›¸¸‡¿ / Defined benefit plans

i. ŠÏ½¸º’ú / Gratuity

ˆ¿Åœ¸›¸ú ˆÅú ž¸¸£÷¸ Ÿ¸Ê ‚œ¸›¸½ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å ¢¥¸‡ ŠÏ½¡¸º’ú ˆ½Å ³Åœ¸ Ÿ¸Ê £¸½¸Š¸¸£ ˆ½Å ¤¸¸™ ˆ½Å ¥¸¸ž¸¸Ê ˆ½Å ¢¥¸‡ œ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸ ¡¸¸½¸›¸¸‡¿ íÿ. ˆ¿Åœ¸›¸ú ˆÅú ŠÏ½¡¸º’ú
¡¸¸½¸›¸¸ ž¸¸£÷¸ú¡¸ ¸ú¨¸›¸ ¤¸úŸ¸¸ ¢›¸Š¸Ÿ¸ (‡¥¸‚¸ƒÄ¬¸ú) ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ œÏ©¸¸¢¬¸÷¸ í¾. ÷¸º¥¸›¸œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ‡ˆÅ ¬¨¸÷¸¿°¸ ¤¸úŸ¸¸¿ˆÅˆÅ ׸£¸ ¢ˆÅ¡¸½ Š¸¡¸½ ¤¸úŸ¸¸¿¢ˆÅˆÅ
Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ‚¸š¸¸£ œ¸£ œ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸ ¡¸¸½¸›¸¸‚¸Ê ˆ½Å ¢¥¸‡ ™½¡¸÷¸¸ ˆÅ¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ™½¡¸÷¸¸ ˆÅ¸½ Ÿ¸¸œ¸›¸½ ˆ½Å ¢¥¸‡ ¬¨¸÷¸¿°¸ ¤¸úŸ¸¸¿ˆÅˆÅ ׸£¸ „œ¸¡¸¸½Š¸
ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ¤¸úŸ¸¸¿¢ˆÅˆÅ Ÿ¸»¥¡¸¸¿ˆÅ›¸ œ¸Ö¢÷¸ œÏ¸½¸½Æ’½” ¡¸»¢›¸’ ǽŢ”’ Ÿ¸½˜¸” í¾. ¤¸úŸ¸¸¿¢ˆÅˆÅ ¥¸¸ž¸ / í¸¢›¸ ˆÅ¸½ ÷¸º£¿÷¸ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ¥¸½ ¸¸¡¸¸ ¸¸÷¸¸ í¾
‚¸¾£ ‚¸¬˜¸¢Š¸÷¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
The Company has defined benefit plans for post-employment benefits in the form of gratuity for its employees in India.
The gratuity scheme of the Company is administered through Life Insurance Corporation of India (LIC). Liability for
defined benefit plans is provided on the basis of actuarial valuations, as at the Balance Sheet date, carried out by
an independent actuary. The actuarial valuation method used by independent actuary for measuring the liability is
the projected unit credit method. Actuarial gains/losses are immediately taken to the profit and loss account and are
not deferred.

ii. ®¸¢÷¸œ¸»¢£÷¸ ‚›¸ºœ¸¦¬˜¸¢÷¸¡¸¸¿ / Compensated absences

ˆ¿Åœ¸›¸ú ˆ½Å ˆÅŸ¸Ä¸¸£ú ˆ¿Åœ¸›¸ú ˆÅú ›¸ú¢÷¸ ˆ½Å ‚›¸º¬¸¸£ ®¸¢÷¸œ¸»¢£÷¸ ‚›¸ºœ¸¦¬˜¸¢÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ‚›¡¸ ™ú‹¸ÄˆÅ¸¢¥¸ˆÅ ¥¸¸ž¸ ˆ½Å ž¸ú íˆÅ™¸£ íÿ. ˆ¿Åœ¸›¸ú ˆÅú ›¸ú¢÷¸ ˆ½Å
‚›¸º¬¸¸£ …œ¸£ú ¬¸úŸ¸¸ ¬¸½ ‚¢š¸ˆÅ ‚¨¸ˆÅ¸©¸ ©¸½«¸ ˆ½Å ¢¥¸‡ ¨¸¸¢«¸ÄˆÅ ‚¸š¸¸£ œ¸£ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ ‚¨¸ˆÅ¸©¸ ›¸ˆÅ™úˆÅ£µ¸ ¢™¡¸¸ ¸¸÷¸¸ í¾. ¬¸½¨¸¸¢›¸¨¸¼¢î¸ ˆ½Å ¬¸Ÿ¸¡¸,
£¸½¸Š¸¸£ ˆ½Å ™¸¾£¸›¸ Ÿ¸¼÷¡¸º ¡¸¸ £¸½¸Š¸¸£ ˆÅú ¬¸Ÿ¸¸¦œ÷¸ œ¸£ ‚¨¸ˆÅ¸©¸ ›¸ˆÅ™úˆÅ£µ¸ ˆ¿Åœ¸›¸ú ˆÅú ›¸ú¢÷¸ ˆ½Å ‚›¸º¬¸¸£ ‡ˆÅ …œ¸£ú ¬¸úŸ¸¸ ˆ½Å ‚š¸ú›¸ ¬¸¿¢¸÷¸ ‚¨¸ˆÅ¸©¸
©¸½«¸ ˆ½Å ¢™›¸¸Ê ˆÅú ¬¸¿‰¡¸¸ ˆ½Å ¢¥¸‡ ™½¡¸ ¨¸½÷¸›¸ ˆ½Å ¤¸£¸¤¸£ ¢›¸¢í÷¸ í¾. ƒ¬¸ ÷¸£í ˆ½Å ¥¸¸ž¸ ˆ½Å ¢¥¸‡ ™½¡¸÷¸¸ ¤¸úŸ¸¸¿¢ˆÅˆÅ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ‚¸š¸¸£ œ¸£ œÏ™¸›¸ ˆÅú ¸¸÷¸ú
í¾, ¢¸¬¸ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ‡ˆÅ ¬¨¸÷¸¿°¸ ¤¸úŸ¸¸¿ˆÅˆÅ ׸£¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ˆ¿Åœ¸›¸ú ˆÅú Žº’Ã’ú ›¸ˆÅ™úˆÅ£µ¸ ¡¸¸½¸›¸¸ ˆÅ¸½ ¸ú¨¸›¸ ¤¸úŸ¸¸ ˆ¿Åœ¸›¸ú
(‡¥¸‚¸ƒÄ¬¸ú) ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ œÏ©¸¸¢¬¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ™½¡¸÷¸¸ ˆÅ¸½ Ÿ¸¸œ¸›¸½ ˆ½Å ¢¥¸‡ ¬¨¸÷¸¿°¸ ¤¸úŸ¸¸¿ˆÅˆÅ ׸£¸ „œ¸¡¸¸½Š¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ¤¸úŸ¸¸¿¢ˆÅˆÅ Ÿ¸»¥¡¸¸¿ˆÅ›¸
œ¸Ö¢÷¸ œÏ¸½¸½Æ’½” ¡¸»¢›¸’ ǽŢ”’ Ÿ¸½˜¸” í¾. ¤¸úŸ¸¸¿¢ˆÅˆÅ ¥¸¸ž¸ / í¸¢›¸ ˆÅ¸½ ÷¸º£¿÷¸ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ¥¸½ ¸¸¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ‚¸¬˜¸¢Š¸÷¸ ›¸íú¿ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾.
The employees of the Company are also entitled for other long-term benefit in the form of compensated absences as per
the policy of the Company. Leave encashment vests to employees on an annual basis for leave balance above the upper
limit as per the Company's policy. At the time of retirement, death while in employment or on termination of employment
leave encashment vests equivalent to salary payable for number of days of accumulated leave balance subject to an
upper limit as per the Company's policy. Liability for such benefit is provided on the basis of actuarial valuations, as
at the Balance Sheet date, carried out by an independent actuary. The leave encashment scheme of the company is
administered through Life Insurance Company (LIC). The actuarial valuation method used by independent actuary for
measuring the liability is the projected unit credit method. Actuarial gains/losses are immediately taken to the profit and
loss account and are not deferred.

iii. ‚¥œ¸ˆÅ¸¢¥¸ˆÅ ˆÅŸ¸Ä¸¸£ú ™¸¢¡¸÷¨¸ / Short Term Employee Obligations

‚¥œ¸ˆÅ¸¢¥¸ˆÅ ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ ˆÅ¸½ „¬¸ ¨¸«¸Ä ˆ½Å ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ˆ½Å ¢¨¸¨¸£µ¸ Ÿ¸Ê ¨¡¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾ ¢¸¬¸Ÿ¸Ê ˆÅŸ¸Ä¸¸£ú ›¸½ ¬¸½¨¸¸‡¿ œÏ™¸›¸ ˆÅú íÿ.
Short-term employee benefits are recognized as an expense in the statement of profit & loss of the year in which the
employee rendered the services.

498 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

ƒ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ƒ¿’½ˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

C. In case of IDBI Intech Limited
ˆÅ. £¸½¸Š¸¸£ ˆ½Å ¤¸¸™ ˆ½Å ¥¸¸ž¸
a. Post-employment benefits

ˆ¿Åœ¸›¸ú ¢¨¸¢ž¸››¸ ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ ¡¸¸½¸›¸¸‚¸Ê Ÿ¸Ê ž¸¸Š¸ ¥¸½÷¸ú í¾. œ¸Ê©¸›¸ ‚¸¾£ £¸½¸Š¸¸£ ˆ½Å ¤¸¸™ ˆ½Å ‚›¡¸ ¥¸¸ž¸¸Ê ˆÅ¸½ œ¸¢£ž¸¸¢«¸÷¸ ¡¸¸½Š¸™¸›¸ ¡¸¸½¸›¸¸‚¸Ê ¡¸¸ œ¸¢£ž¸¸¢«¸÷¸
¥¸¸ž¸ ¡¸¸½¸›¸¸‚¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
The Company participates in various employee benefit plans. Pensions and other post-employment benefits are classified
as either defined contribution plans or defined benefit plans.

œ¸¢£ž¸¸¢«¸÷¸ ¡¸¸½Š¸™¸›¸ ¡¸¸½¸›¸¸ ˆ½Å ÷¸í÷¸, ˆ¿Åœ¸›¸ú ˆÅ¸ ‡ˆÅŸ¸¸°¸ ™¸¢¡¸÷¨¸ ¢›¸¢ä¸÷¸ £¸¢©¸ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ˆÅ£›¸¸ í¾ ÷¸˜¸¸ ¡¸¢™ ¢›¸¢š¸ Ÿ¸Ê ¬¸ž¸ú ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸¸Ê ˆÅ¸ ž¸ºŠ¸÷¸¸›¸
ˆÅ£›¸½ ˆ½Å ¢¥¸‡ œ¸¡¸¸Äœ÷¸ ‚¸¦¬÷¸¡¸¸¿ ›¸íú¿ í¾ ÷¸¸½ ‚¸Š¸½ ¡¸¸½Š¸™¸›¸ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ˆÅ£›¸½ ˆÅú ˆÅ¸½ƒÄ ¤¸¸š¡¸÷¸¸ ›¸íú¿ í¾. ¬¸¿¤¸¿¢š¸÷¸ ¤¸úŸ¸¸¿¢ˆÅˆÅ ‚¸¾£ ¢›¸¨¸½©¸ ¸¸½¢‰¸Ÿ¸ ˆÅŸ¸Ä¸¸£ú
׸£¸ ¨¸í›¸ ¢ˆÅ‡ ¸¸÷¸½ íÿ. œ¸¢£ž¸¸¢«¸÷¸ ¡¸¸½Š¸™¸›¸ ¡¸¸½¸›¸¸‚¸Ê ˆ½Å ¨¡¸¡¸ ˆÅ¸½ „¬¸ ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ ¨¡¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾ ¢¸¬¸Ÿ¸Ê ˆÅŸ¸Ä¸¸£ú ¬¸½¨¸¸ œÏ™¸›¸
ˆÅ£÷¸¸ í¾.
Under a defined contribution plan, the Company’s only obligation is to pay a fixed amount with no obligation to pay further
contributions if the fund does not hold sufficient assets to pay all employee benefits. The related actuarial and investment
risks are borne by the employee. The expenditure for defined contribution plans is recognized as an expense during the
period when the employee provides service.

œ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸ ¡¸¸½¸›¸¸ ˆ½Å ÷¸í÷¸, ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ ¬¸íŸ¸÷¸ ¥¸¸ž¸ œÏ™¸›¸ ˆÅ£›¸½ ˆÅ¸ ˆ¿Åœ¸›¸ú ˆÅ¸ ™¸¢¡¸÷¨¸ í¾. ¬¸¿¤¸¿¢š¸÷¸ ¤¸úŸ¸¸¿¢ˆÅˆÅ ‚¸¾£ ¢›¸¨¸½©¸ ¸¸½¢‰¸Ÿ¸
ˆ¿Åœ¸›¸ú ׸£¸ ¨¸í›¸ ¢ˆÅ‡ ¸¸÷¸½ íÿ. œ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸ ™¸¢¡¸÷¨¸¸Ê ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ ˆÅú Š¸µ¸›¸¸ ‡ˆÅ ¬¨¸÷¸¿°¸ ¤¸úŸ¸¸¿ˆÅˆÅ ׸£¸ œÏ¸½¸½Æ’½” ¡¸»¢›¸’ ǽŢ”’ Ÿ¸½˜¸” ˆÅ¸
„œ¸¡¸¸½Š¸ ˆÅ£ˆ½Å ˆÅú ¸¸÷¸ú í¾. ¤¸úŸ¸¸¿¢ˆÅˆÅ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ˆÅ¸½ „¬¸ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ˆ½Å ¢¨¸¨¸£µ¸ Ÿ¸Ê œ¸»µ¸Ä ³Åœ¸ ¬¸½ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾ ¢¸¬¸Ÿ¸Ê ¨¸½
í¸½÷¸½ íÿ.
Under a defined benefit plan, it is the Company’s obligation to provide agreed benefits to the employees. The related
actuarial and investment risks are borne by the Company. The present value of the defined benefit obligations is calculated
by an independent actuary using the projected unit credit method. Actuarial gains and losses are recognized in full in the
Statement of Profit and Loss for the period in which they occur.

¢œ¸Ž¥¸ú ¬¸½¨¸¸ ¥¸¸Š¸÷¸ ˆÅ¸½ ÷¸º£¿÷¸ „¬¸ ¬¸úŸ¸¸ ÷¸ˆÅ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾ ¢¸¬¸ ¬¸Ÿ¸¡¸ ÷¸ˆÅ ¥¸¸ž¸ œ¸í¥¸½ ¬¸½ íú ¢›¸¢í÷¸ íÿ, ‚¸¾£ ‚›¡¸˜¸¸ ‡ˆÅ ¬¸úš¸ú £½‰¸¸ ˆ½Å ‚¸š¸¸£ œ¸£
‚¸¾¬¸÷¸ ‚¨¸¢š¸ Ÿ¸Ê œ¸¢£©¸¸½š¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ÷¸ˆÅ ¢ˆÅ ¥¸¸ž¸ ¢›¸¢í÷¸ ›¸íú¿ í¸½ ¸¸÷¸½.
Past service cost is recognized immediately to the extent that the benefits are already vested, and otherwise is amortized
on a straight line basis over the average period until the benefits become vested.

÷¸º¥¸›¸ œ¸°¸ Ÿ¸Ê ¬¸½¨¸¸¢›¸¨¸¼¢î¸ ¥¸¸ž¸ ™½¡¸÷¸¸ œ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸ ™¸¢¡¸÷¨¸ ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ ˆÅ¸½ ™©¸¸Ä÷¸ú í¾ ÷¸˜¸¸ ƒ¬¸½ ¡¸¸½¸›¸¸ ˆÅú ‚¸¦¬÷¸¡¸¸Ê ˆ½Å „¢¸÷¸ Ÿ¸»¥¡¸ ¬¸½ ‹¸’¸ ˆÅ£
Š¸¾£-Ÿ¸¸›¡¸÷¸¸ œÏ¸œ÷¸ ¢œ¸Ž¥¸ú ¬¸½¨¸¸ ¥¸¸Š¸÷¸ ¬¸½ ¬¸Ÿ¸¸¡¸¸½¢¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ƒ¬¸ Š¸µ¸›¸¸ ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ í¸½›¸½ ¨¸¸¥¸ú ˆÅ¸½ƒÄ ž¸ú ‚¸¦¬÷¸ œ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸ ™½¡¸÷¸¸
ˆ½Å ³Åœ¸ Ÿ¸Ê ¢›¸š¸¸Ä¢£÷¸ £¸¢©¸ ‚¸¾£ „œ¸¥¸¤š¸ ¢£û¿Å” ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ ‚¸¾£ / ¡¸¸ ¡¸¸½¸›¸¸ Ÿ¸Ê ž¸¢¨¸«¡¸ ˆ½Å ¡¸¸½Š¸™¸›¸ Ÿ¸Ê ˆÅŸ¸ú, ¸¸½ ž¸ú ˆÅŸ¸ í¸½, ÷¸ˆÅ ¬¸ú¢Ÿ¸÷¸ í¾.
The retirement benefit liability recognized in the balance sheet represents the present value of the defined benefit obligation
as adjusted for unrecognized past service cost, as reduced by the fair value of scheme assets. Any asset resulting from
this calculation is limited to the lower of the amount determined as the defined benefit liability and the present value of
available refunds and /or reduction in future contributions to the scheme.

‰¸. ‚¥œ¸ˆÅ¸¢¥¸ˆÅ ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸

b. Short term employee benefits

ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ׸£¸ œÏ™¸›¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ¬¸½¨¸¸‚¸Ê ˆ½Å ¤¸™¥¸½ ž¸ºŠ¸÷¸¸›¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ‚¥œ¸ˆÅ¸¢¥¸ˆÅ ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸¸Ê ˆÅú ¢¤¸›¸¸ Ž»’ ¨¸¸¥¸ú £¸¢©¸ ˆÅ¸½ „¬¸ ¨¸«¸Ä ˆ½Å
™¸¾£¸›¸ ¨¡¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ˆÅŸ¸Ä¸¸£ú „›¸ ¬¸½¨¸¸‚¸Ê ˆÅ¸½ œÏ™¸›¸ ˆÅ£÷¸¸ í¾. ƒ›¸ ¥¸¸ž¸¸Ê Ÿ¸Ê ®¸¢÷¸œ¸»¢£÷¸ ‚›¸ºœ¸¦¬˜¸¢÷¸ ¸¾¬¸½ ‡ˆÅ ¨¸«¸Ä ˆ½Å ž¸ú÷¸£ ¥¸ú
¸¸›¸½ ¨¸¸¥¸ú Žº’Ã’ú ‚¸¾£ ™½¡¸ ¤¸¸½›¸¬¸ ©¸¸¢Ÿ¸¥¸ íÿ. ‚¥œ¸ˆÅ¸¢¥¸ˆÅ ›¸ˆÅ™ ¤¸¸½›¸¬¸ ¡¸¸ ¥¸¸ž¸-¬¸¸¸¸ˆÅ£µ¸ ¡¸¸½¸›¸¸‚¸Ê ˆ½Å ÷¸í÷¸ ž¸ºŠ¸÷¸¸›¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ‚œ¸½¢®¸÷¸ £¸¢©¸
ˆ½Å ¢¥¸‡ ‡ˆÅ ™½¡¸÷¸¸ ˆÅ¸½ „¬¸ ¦¬˜¸¢÷¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾, ¸¤¸ ˆ¿Åœ¸›¸ú ˆ½Å ˆÅŸ¸Ä¸¸£ú ׸£¸ œÏ™¸›¸ ˆÅú Š¸ƒÄ ¢œ¸Ž¥¸ú ¬¸½¨¸¸ ˆ½Å ˆÅ¸£µ¸ ƒ¬¸ £¸¢©¸ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ˆÅ£›¸½ ˆ½Å
¢¥¸‡ ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸Ê ¢¨¸¢š¸ˆÅ ¡¸¸ £¸›¸¸÷Ÿ¸ˆÅ ™¸¢¡¸÷¨¸ í¾ ÷¸˜¸¸ ƒ¬¸ ™¸¢¡¸÷¨¸ ˆÅ¸ ¢¨¸æ¸¸¬¸œ¸»¨¸ÄˆÅ ‚›¸ºŸ¸¸›¸ ¥¸Š¸¸¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾.
The undiscounted amount of short term employee benefits expected to be paid in exchange for the services rendered
by employees is recognized as an expense during the year when the employee renders those services. These benefits
include compensated absences such as leave expected to be availed within a year and bonus payable. A liability is
recognized for the amount expected to be paid under short-term cash bonus or profit-sharing plans, if the Company has
a present legal or constructive obligation to pay this amount as a result of past service provided by the employee and the
obligation can be estimated reliably.

dm{f©H$ [anmoQ>© Annual Report 2023-24 499

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

Š¸. ¥¸¸ž¸ ¡¸¸½¸›¸¸‡¿

c. Benefit plans

ˆ¿Åœ¸›¸ú ˆÅú ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ ¡¸¸½¸›¸¸‡¿ íÿ / The Company has the following employee benefit plans:
(i) ž¸¢¨¸«¡¸ ¢›¸¢š¸ / Provident fund

ˆÅŸ¸Ä¸¸£ú ž¸¢¨¸«¡¸ ¢›¸¢š¸ ¬¸½ ¥¸¸ž¸ œÏ¸œ÷¸ ˆÅ£÷¸½ íÿ, ¸¸½ ‡ˆÅ œ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸ ¡¸¸½¸›¸¸ í¾. ¢›¸¡¸¸½Æ÷¸¸ ‚¸¾£ ˆÅŸ¸Ä¸¸£ú œÏ÷¡¸½ˆÅ ˆÅ¨¸£ ¢ˆÅ‡ Š¸‡ ˆÅŸ¸Ä¸¸£ú ˆ½Å
¨¸½÷¸›¸ ˆ½Å ¢›¸¢™Ä«’ œÏ¢÷¸©¸÷¸ ˆ½Å ¤¸£¸¤¸£ ž¸¢¨¸«¡¸ ¢›¸¢š¸ ¡¸¸½¸›¸¸ Ÿ¸Ê Ÿ¸¸¢¬¸ˆÅ ¡¸¸½Š¸™¸›¸ ˆÅ£÷¸½ íÿ. ‚¿©¸™¸›¸ ˆÅ¸ ‡ˆÅ ¢í¬¬¸¸ ˆÅŸ¸Ä¸¸£ú ž¸¢¨¸«¡¸ ¢›¸¢š¸ ¬¸¿Š¸“›¸
(`ƒÄœ¸ú‡ûöÅ‚¸½') ˆÅ¸½ ¢™¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ©¸½«¸ ‚¿©¸™¸›¸ ¬¸£ˆÅ¸£ ׸£¸ œÏ©¸¸¢¬¸÷¸ œ¸Ê©¸›¸ ¢›¸¢š¸ Ÿ¸Ê ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.

Employees receive benefits from a provident fund, which is a defined benefit plan. The employer and employees
each make monthly contributions to the Provident Fund Plan equal to a specified percentage of the covered
employee’s salary. A portion of the contribution is made to the Employees' Provident Fund Organisation ('EPFO')
and the remainder of the contribution is made to the government administered pension fund.

(ii) ŠÏ½¡¸º’ú / Gratuity

ž¸¸£÷¸ú¡¸ ˆ¿Åœ¸¢›¸¡¸¸Ê œ¸£ ¥¸¸Š¸» ŠÏ½¡¸º’ú ž¸ºŠ¸÷¸¸›¸ ‚¢š¸¢›¸¡¸Ÿ¸, 1972 ˆ½Å ‚›¸º¬¸¸£, ˆ¿Åœ¸›¸ú ‚¿¢÷¸Ÿ¸ ‚¸í¢£÷¸ ¨¸½÷¸›¸ ‚¸¾£ ˆ¿Åœ¸›¸ú ˆ½Å ¬¸¸˜¸ £¸½¸Š¸¸£ ˆ½Å ¨¸«¸¸½ô
ˆ½Å ‚¸š¸¸£ œ¸£ œ¸¸°¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ ¬¸½¨¸¸¢›¸¨¸¼¢î¸ ¡¸¸ £¸½¸Š¸¸£ ˆÅú ¬¸Ÿ¸¸¦œ÷¸ œ¸£ ‡ˆÅŸ¸º©÷¸ ž¸ºŠ¸÷¸¸›¸ ˆÅ£÷¸ú í¾. ŠÏ½¡¸º’ú ¢›¸¢š¸ ˆÅ¸ œÏ¤¸¿š¸›¸ ž¸¸£÷¸ú¡¸ ¸ú¨¸›¸
¤¸úŸ¸¸ ¢›¸Š¸Ÿ¸ (`‡¥¸‚¸ƒÄ¬¸ú') ׸£¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
In accordance with the Payment of Gratuity Act, 1972, applicable for Indian companies, the Company provides for
a lump sum payment to eligible employees, at retirement or termination of employment based on the last drawn
salary and years of employment with the Company. The gratuity fund is managed by Life Insurance Corporation
of India ('LIC').

(iii) £¸«’ïú¡¸ œ¸Ê©¸›¸ ¡¸¸½¸›¸¸ / National Pension Scheme

ˆÅŸ¸Ä¸¸£ú, ‚œ¸›¸½ ¢¨¸ˆÅ¥œ¸ ˆ½Å ‚›¸º¬¸¸£ £¸«’ïú¡¸ œ¸Ê©¸›¸ ¡¸¸½¸›¸¸ (‡›¸œ¸ú‡¬¸) ¬¸½ ¥¸¸ž¸ œÏ¸œ÷¸ ˆÅ£÷¸½ íÿ, ¸¸½ ‡ˆÅ œ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸ ¡¸¸½¸›¸¸ í¾. ¢›¸¢š¸ ˆ½Å
¢¥¸‡ ž¸ºŠ¸÷¸¸›¸/™½¡¸ ¡¸¸½Š¸™¸›¸ „¬¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ‰¸¸÷¸½ ˆ½Å ¢¨¸¨¸£µ¸ Ÿ¸Ê œÏž¸¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢¸¬¸Ÿ¸Ê ˆÅŸ¸Ä¸¸£ú ¬¸¿¤¸¿¢š¸÷¸ ¬¸½¨¸¸ ˆÅ¸½
¢¤¸›¸¸ Ž»’ ˆ½Å ‚¸š¸¸£ œ¸£ œÏ™¸›¸ ˆÅ£÷¸¸ í¾.
Employees, at their option receive benefits from national pension scheme (NPS), which is a defined benefit plan.
The contributions paid/payable towards the fund are charged to the statement of profit & loss account during the
year in which the employee renders the related service on an undiscounted basis.

(iv) ®¸¢÷¸œ¸»¢£÷¸ ‚›¸ºœ¸¦¬˜¸¢÷¸¡¸¸¿ / Compensated absences

ˆ¿Åœ¸›¸ú ˆ½Å ˆÅŸ¸Ä¸¸£ú ®¸¢÷¸œ¸»¢£÷¸ ‚›¸ºœ¸¦¬˜¸¢÷¸ ˆ½Å íˆÅ™¸£ íÿ. ˆÅŸ¸Ä¸¸£ú ‚œÏ¡¸ºÆ÷¸ ¬¸¿¢¸÷¸ ®¸¢÷¸œ¸»¢£÷¸ ‚›¸ºœ¸¦¬˜¸¢÷¸ ˆ½Å ‡ˆÅ ¢í¬¬¸½ ˆÅ¸½ ‚¸Š¸½ ¥¸½ ¸¸
¬¸ˆÅ÷¸½ íÿ ‚¸¾£ ž¸¢¨¸«¡¸ ˆÅú ‚¨¸¢š¸ Ÿ¸Ê ƒ¬¸ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£ ¬¸ˆÅ÷¸½ íÿ ¡¸¸ ¬¸½¨¸¸¢›¸¨¸¼¢î¸ ¡¸¸ £¸½¸Š¸¸£ ˆÅú ¬¸Ÿ¸¸¦œ÷¸ œ¸£ ›¸ˆÅ™ œÏ¸œ÷¸ ˆÅ£ ¬¸ˆÅ÷¸½ íÿ. ˆ¿Åœ¸›¸ú
„¬¸ ‚¨¸¢š¸ Ÿ¸Ê ®¸¢÷¸œ¸»¢£÷¸ ‚›¸ºœ¸¦¬˜¸¢÷¸ ˆ½Å ¢¥¸‡ ‡ˆÅ ™¸¢¡¸÷¨¸ ™¸Ä ˆÅ£÷¸ú í¾ ¢¸¬¸Ÿ¸Ê ˆÅŸ¸Ä¸¸£ú ƒ¬¸ œ¸¸°¸÷¸¸ ˆÅ¸½ ¤¸õ¸›¸½ ¨¸¸¥¸ú ¬¸½¨¸¸‡¿ œÏ™¸›¸ ˆÅ£÷¸¸
í¾. ˆ¿Åœ¸›¸ú ®¸¢÷¸œ¸»¢£÷¸ ‚›¸ºœ¸¦¬˜¸¢÷¸ ˆÅú ‚œ¸½¢®¸÷¸ ¥¸¸Š¸÷¸ ˆÅ¸½ ‚¢÷¸¢£Æ÷¸ £¸¢©¸ ˆ½Å ³Åœ¸ Ÿ¸Ê Ÿ¸¸œ¸÷¸ú í¾ ¸¸½ ˆ¿Åœ¸›¸ú ¢£œ¸¸½¢’ôŠ¸ ‚¨¸¢š¸ ˆ½Å ‚¿÷¸ Ÿ¸Ê ¬¸¿¢¸÷¸
‚œÏ¡¸ºÆ÷¸ œ¸¸°¸÷¸¸ ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ ž¸ºŠ¸÷¸¸›¸ ˆÅ£›¸½ ˆÅú ‚œ¸½®¸¸ ˆÅ£÷¸ú í¾. ˆ¿Åœ¸›¸ú œÏ¸½¸½Æ’½” ¡¸»¢›¸’ ǽŢ”’ Ÿ¸½˜¸” ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£ˆ½Å ¤¸úŸ¸¸¿¢ˆÅˆÅ
Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ‚¸š¸¸£ œ¸£ ¬¸¿¢¸÷¸ ®¸¢÷¸œ¸»¢£÷¸ ‚›¸ºœ¸¦¬˜¸¢÷¸ ˆÅ¸½ œ¸í¸¸›¸÷¸ú í¾. Š¸¾£-¬¸¿¢¸÷¸ ®¸¢÷¸œ¸»¢£÷¸ ‚›¸ºœ¸¦¬˜¸¢÷¸ ˆÅ¸½ „¬¸ ‚¨¸¢š¸ Ÿ¸Ê ™©¸¸Ä¡¸¸
¸¸÷¸¸ í¾ ¢¸¬¸Ÿ¸Ê ‚›¸ºœ¸¦¬˜¸¢÷¸ í¸½÷¸ú í¾. ˆ¿Åœ¸›¸ú ‡¥¸‚¸ƒÄ¬¸ú ׸£¸ œÏ©¸¸¢¬¸÷¸ ¬¸Ÿ¸»í Žº’Ã’ú ›¸ˆÅ™úˆÅ£µ¸ ¡¸¸½¸›¸¸ (¸ú‡¥¸ƒÄ‡¬¸) Ÿ¸Ê ¨¸¸¢«¸ÄˆÅ ¡¸¸½Š¸™¸›¸
ˆÅ£÷¸ú í¾.
The employees of the Company are entitled to compensated absences. The employees can carry forward a
portion of the unutilized accumulating compensated absences and utilize it in future periods or receive cash at
retirement or termination of employment. The Company records an obligation for compensated absences in
the period in which the employee renders the services that increases this entitlement. The Company measures
the expected cost of compensated absences as the additional amount that the Company expects to pay as
a result of the unused entitlement that has accumulated at the end of the reporting period. The Company
recognizes accumulated compensated absences based on actuarial valuation using the projected unit credit
method. Non-accumulating compensated absences are recognized in the period in which the absences occur.
The Company makes annual contribution to the Group Leave Encashment Scheme (GLES), administered
by LIC.

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ƒÄ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

D. In case of IDBI Asset Management Limited
i) ŠÏ½¡¸º’ú / Gratuity
ŠÏ½¡¸º’ú ™½¡¸÷¸¸ ‡ˆÅ œ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸ ™¸¢¡¸÷¨¸ í¾ ‚¸¾£ ƒ¬¸½ ž¸¸£÷¸ú¡¸ ¸ú¨¸›¸ ¤¸úŸ¸¸ ¢›¸Š¸Ÿ¸ ׸£¸ œÏ©¸¸¢¬¸÷¸ ‚¸¾£ œÏ¤¸¿¢š¸÷¸ ŠÏ½¡¸º’ú û¿Å” ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¢¨¸î¸œ¸¸½¢«¸÷¸
¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ˆ¿Åœ¸›¸ú œÏ÷¡¸½ˆÅ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê œÏ¸½¸½Æ’½” ¡¸»¢›¸’ ǽŢ”’ Ÿ¸½˜¸” ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£ˆ½Å ¤¸úŸ¸¸¿¢ˆÅˆÅ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ‚¸š¸¸£ œ¸£ ž¸¢¨¸«¡¸ ˆ½Å ŠÏ½¡¸º’ú
¥¸¸ž¸¸Ê ˆ½Å ¢¥¸‡ ™½¡¸÷¸¸ ˆÅ¸ ¢í¬¸¸¤¸ £‰¸÷¸ú í¾.
Gratuity liability is a defined benefit obligation and is funded through a Gratuity Fund administered and managed by the
Life Insurance Corporation of India. The Company accounts for liability for future gratuity benefits based on the actuarial
valuation using Projected Unit Credit Method carried out as at the end of each financial year.

ii) ž¸¢¨¸«¡¸ ¢›¸¢š¸ / Provident fund

ˆ¿Åœ¸›¸ú ‡ˆÅ Ÿ¸¸›¡¸÷¸¸ œÏ¸œ÷¸ ž¸¢¨¸«¡¸ ¢›¸¢š¸ Ÿ¸Ê ¡¸¸½Š¸™¸›¸ ˆÅ£÷¸ú í¾. ‚¿©¸™¸›¸¸Ê ˆÅú Š¸µ¸›¸¸ „œ¸¸¡¸ ‚¸š¸¸£ œ¸£ ˆÅú ¸¸÷¸ú í¾ ‚¸¾£ „›íÊ ¥¸¸ž¸ ‡¨¸¿ í¸¢›¸ ˆ½Å ¢¨¸¨¸£µ¸ Ÿ¸Ê
¨¡¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
The Company contributes to a recognized provident fund. The contributions are accounted for on an accrual basis and
are recognized as an expense in the statement of profit and loss.

iii) ‚¥œ¸ˆÅ¸¢¥¸ˆÅ ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ / Short term employee benefits

‚¥œ¸ˆÅ¸¢¥¸ˆÅ ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ ˆÅ¸½ „¬¸ ¨¸«¸Ä ˆ½Å ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ˆ½Å ¢¨¸¨¸£µ¸ Ÿ¸Ê ¨¡¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾ ¢¸¬¸Ÿ¸Ê ¬¸½¨¸¸‡¿ œÏ™¸›¸ ˆÅú ¸¸÷¸ú íÿ.
Short term employee benefits are recognized as an expense in the statement of profit and loss of the year in which the
services are rendered.

iv) ®¸¢÷¸œ¸»¢£÷¸ ‚›¸ºœ¸¦¬˜¸¢÷¸¡¸¸¿ / Compensated absences

ˆ¿Åœ¸›¸ú ˆºÅŽ ¢›¸¡¸Ÿ¸¸Ê ˆ½Å ‚š¸ú›¸ ¢¨¸©¸½«¸¸¢š¸ˆÅ¸£ Žº’Ã’ú ›¸ˆÅ™úˆÅ£µ¸ œÏ™¸›¸ ˆÅ£÷¸ú í¾. ˆÅŸ¸Ä¸¸£ú ž¸¢¨¸«¡¸ Ÿ¸Ê ›¸ˆÅ™úˆÅ£µ¸ ˆ½Å ¬¸¸˜¸-¬¸¸˜¸ Žº’Ã’ú ¥¸½›¸½ ˆ½Å ¢¥¸‡ ˆºÅŽ
¬¸úŸ¸¸‚¸Ê ˆ½Å ‚š¸ú›¸ Žº’Ã’ú ¸Ÿ¸¸ ˆÅ£›¸½ ˆ½Å íˆÅ™¸£ íÿ. œÏ÷¡¸½ˆÅ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê ‡ˆÅ ¬¨¸÷¸¿°¸ ¤¸úŸ¸¸¿¢ˆÅˆÅ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ‚¸š¸¸£ œ¸£ œÏ÷¡¸½ˆÅ ÷¸º¥¸›¸ œ¸°¸ ˆÅú
÷¸¸£ú‰¸ ˆÅ¸½ ‚œÏ¡¸ºÆ÷¸ Žº’Ã’ú ˆ½Å ¢™›¸¸Ê ˆÅú ¬¸¿‰¡¸¸ ˆ½Å ‚¸š¸¸£ œ¸£ ™½¡¸÷¸¸ ˆÅ¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
The Company provides for Privilege Leave Encashment subject to certain rules. The employees are entitled to accumulate
leave subject to certain limits for future encashment as well as availment. The liability is provided based on the number of
days of unutilized leave at each balance sheet date on the basis of an independent actuarial valuation carried out as at
the end of each financial year.

„. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’﬒ú¢©¸œ¸ ¬¸¢¨¸Ä¬¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

E. In case of IDBI Trusteeship Service Limited
£¸½¸Š¸¸£ ˆÅú ©¸÷¸¸½ô ˆ½Å ‚›¸º¬¸¸£ ¨¸÷¸ÄŸ¸¸›¸ ‚¸¾£ ¢œ¸Ž¥¸ú ¬¸½¨¸¸‚¸Ê ˆ½Å ¢¥¸‡ ™½¡¸ ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸, ‚¥œ¸ˆÅ¸¢¥¸ˆÅ ‚¸¾£ ™ú‹¸ÄˆÅ¸¢¥¸ˆÅ ™¸½›¸¸Ê ™½¡¸÷¸¸‚¸Ê ˆÅ¸½ ``ž¸¸£÷¸ú¡¸ ¬¸›¸™ú
¥¸½‰¸¸ˆÅ¸£ ¬¸¿¬˜¸¸›¸ (‚¸ƒÄ¬¸ú‡‚¸ƒÄ)'' ׸£¸ ¸¸£ú ¢ˆÅ‡ Š¸‡ ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ - 15 (¬¸¿©¸¸½¢š¸÷¸ 2005) ``ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸'' ˆ½Å ‚›¸º¬¸¸£ ¢£ˆÅ¸Á”Ä ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Liability for employee benefits, both short and long term, for present and past services which are due as per the terms of
employment are recorded in accordance with Accounting Standard – 15 (Revised 2005) “Employee Benefits” issued by the
“Institute of Chartered Accountants of India (ICAI)”.

œ¸¢£ž¸¸¢«¸÷¸ ¡¸¸½Š¸™¸›¸ ¡¸¸½¸›¸¸‡¿ / Defined Contribution Schemes

ˆÅ) ž¸¢¨¸«¡¸ ¢›¸¢š¸
a) Provident Fund

ˆ¿Åœ¸›¸ú ˆÅŸ¸Ä¸¸£ú ž¸¢¨¸«¡¸ ¢›¸¢š¸ ‚¸¾£ ¢¨¸¢¨¸š¸ œÏ¸¨¸š¸¸›¸ ‚¢š¸¢›¸¡¸Ÿ¸, 1952 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ‚¸¾£ „¬¸ˆ½Å ÷¸í÷¸ ¤¸›¸¸ƒÄ Š¸ƒÄ ¡¸¸½¸›¸¸‚¸Ê ˆ½Å ÷¸í÷¸ œ¸¿¸úˆ¼Å÷¸ í¾. ÷¸™Ã›¸º¬¸¸£,
‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å ÷¸í÷¸ ¬˜¸¸¢œ¸÷¸ ¢›¸¢š¸¡¸¸Ê/¡¸¸½¸›¸¸‚¸Ê Ÿ¸Ê ¬¸£ˆÅ¸£ú œÏ¸¢š¸ˆÅ¸¢£¡¸¸Ê ˆÅ¸½ ˆ¿Åœ¸›¸ú ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å ›¡¸»›¸÷¸Ÿ¸ ‚¿©¸™¸›¸ ˆ½Å ¤¸£¸¤¸£ ‚¿©¸™¸›¸ ˆÅ£ £íú í¾. œ¸¸°¸
ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ ¬¸£ˆÅ¸£ú œÏ¸¢š¸ˆÅ¸¢£¡¸¸Ê ¬¸½ ¥¸¸ž¸ ¢Ÿ¸¥¸÷¸¸ í¾. ¨¸«¸Ä ˆ½Å ¢¥¸‡ ™½¡¸ ¡¸¸½Š¸™¸›¸ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê œÏž¸¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
The Company is registered under the provisions of Employee’s Provident Funds and Miscellaneous Provisions Act, 1952
and schemes framed there under. Accordingly, the Company is contributing, in equal share of minimum contribution as
those of employees, to the funds/ schemes established under the Act to Government Authorities. The eligible employees
receive benefits from Government Authorities. The contribution due for the year is charged to profit and loss account.

dm{f©H$ [anmoQ>© Annual Report 2023-24 501

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

‰¸) ŠÏ½¡¸º’ú
b) Gratuity

ˆ¿Åœ¸›¸ú ¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê ¨¸¸¢«¸ÄˆÅ ¤¸úŸ¸¸¿¢ˆÅˆÅ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ‚¸š¸¸£ œ¸£ "™ ’﬒ú ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’﬒ú¢©¸œ¸ ¬¸¢¨¸Ä¬¸½¸ ¢¥¸¢Ÿ¸’½” ˆÅŸ¸Ä¸¸£ú ¬¸Ÿ¸»í ŠÏ½¡¸º’ú ¡¸¸½¸›¸¸" ˆ½Å
³Åœ¸ Ÿ¸Ê ±¸¸÷¸ ŠÏ½¡¸º’ú ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ ˆÅ£÷¸ú í¾. ˆ¿Åœ¸›¸ú ˆÅ¸½ ¨¸¸¢«¸ÄˆÅ œÏú¢Ÿ¸¡¸Ÿ¸ ¡¸¸½Š¸™¸›¸ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ˆÅ£›¸¸ ‚¸¨¸©¡¸ˆÅ í¾. ¨¸«¸Ä ˆ½Å ¢¥¸‡ ƒ¬¸ œÏˆÅ¸£ ž¸ºŠ¸÷¸¸›¸/™½¡¸
œÏú¢Ÿ¸¡¸Ÿ¸ ˆÅ¸½ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
The Company provides for gratuity, known as “The Trustees IDBI Trusteeship Services Ltd Employee’s Group Gratuity
Scheme” based on annual actuarial valuation as on year end. The Company is required to pay annual premium
contributions. The premium so paid / payable for the year is recognised in profit and loss account.

Š¸) Žº’Ã’ú ›¸ˆÅ™úˆÅ£µ¸

c) Leave Encashment

¨¸¸¢«¸ÄˆÅ Žº’Ã’ú ›¸ˆÅ™úˆÅ£µ¸ ˆ½Å ¢¥¸‡ ‚¸ƒÄ¬¸ú‡‚¸ƒÄ ׸£¸ ¸¸£ú ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ - 15 (¬¸¿©¸¸½¢š¸÷¸ 2005) "ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸" ˆ½Å ‚›¸º¬¸¸£ ¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê ¨¸¸¢«¸ÄˆÅ
¤¸úŸ¸¸¿¢ˆÅˆÅ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ‚¸š¸¸£ œ¸£ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Annual Leave encashment is accounted on based on annual actuarial valuation as on year end as per Accounting
Standard – 15 (Revised 2005) “Employee Benefits” issued by the ICAI.

…. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ Ÿ¡¸»¸º‚¥¸ û¿Å” ’﬒ú ˆ¿Åœ¸›¸ú ¢¥¸. ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

F. In case of IDBI Mutual Fund Trustee Co. Ltd.
œÏ™¸›¸ ˆÅú Š¸ƒÄ ¬¸½¨¸¸‚¸Ê ˆ½Å ¢¥¸‡ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ ®¸¢÷¸œ¸»¢÷¸Ä ˆÅú Š¸µ¸›¸¸ ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ 15 ˆ½Å ‚›¸º¬¸¸£ ˆÅú ¸¸÷¸ú í¾.
Compensation to employees for services rendered is accounted for in accordance with Accounting Standard 15 on Employee
Benefits

14 ‰¸¿” ¢£œ¸¸½¢’ôŠ¸ / Segment Reporting

‚. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
A. In case of IDBI Bank Limited
¤¸ÿˆÅ ÷¸ú›¸ ‰¸¿”¸Ê ¡¸˜¸¸- í¸½¥¸¬¸½¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸, ¢£’½¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ‚¸¾£ ’ｏ¸£ú œ¸¢£¸¸¥¸›¸¸Ê Ÿ¸Ê ˆÅ¸¡¸Ä ˆÅ£÷¸¸ í¾. ƒ›¸ ‰¸¿”¸Ê ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å Ÿ¸¸¾¸»™¸ ¢™©¸¸¢›¸™½Ä©¸¸Ê ‚¸¾£ ‰¸¿”
¢£œ¸¸½¢’ôŠ¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê ‡‡¬¸-17 ˆ½Å ‚›¸º¬¸¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ¸¸½ ¡¸¸½¸›¸¸‚¸Ê ¨¸ ¬¸½¨¸¸‚¸Ê ˆ½Å ¬¨¸³Åœ¸ ¨¸ ¸¸½¢‰¸Ÿ¸ œÏ¸½ûŸƒ¥¸, ¥¸¢®¸÷¸ ŠÏ¸íˆÅ œÏ¸½ûŸƒ¥¸, ¬¸¿Š¸“›¸¸÷Ÿ¸ˆÅ ¬¸¿£¸›¸¸
÷¸˜¸¸ ¤¸ÿˆÅ ˆÅú ‚¸¿÷¸¢£ˆÅ ¢£œ¸¸½¢’ôŠ¸ œÏµ¸¸¥¸ú œ¸£ ¢¨¸¸¸£ ˆÅ£›¸½ ˆ½Å ¤¸¸™ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
The Bank operates in three segments wholesale banking, retail banking and treasury operations. These segments have been
identified in line with extant RBI guidelines and AS-17 on segment reporting after considering the nature and risk profile of
the products and services, the target customer profile, the organization structure and the internal reporting system of the
Bank.

‰¸¿” £¸¸¬¨¸, œ¸¢£µ¸¸Ÿ¸, ‚¸¦¬÷¸¡¸¸Ê ¨¸ ™½¡¸÷¸¸‚¸Ê Ÿ¸Ê œÏ÷¡¸½ˆÅ ‰¸¿” í½÷¸º ‚¢ž¸¢›¸š¸¸Ä£µ¸ú¡¸ £¸¢©¸ ¬¸¸˜¸ íú œÏ¤¸¿š¸›¸ ׸£¸ ‚›¸ºŸ¸¸¢›¸÷¸ ¢ˆÅ‡ ‚›¸º¬¸¸£ ‚¸¤¸¿¢’÷¸ £¸¢©¸ ©¸¸¢Ÿ¸¥¸
í¾. ¢¸›¸ ‚¸¦¬÷¸¡¸¸Ê ¨¸ ™½¡¸÷¸¸‚¸Ê ˆÅ¸½ ‚¢ž¸¢›¸š¸¸Ä£µ¸ú¡¸ ‰¸¿”¸Ê Ÿ¸Ê ‚¸¤¸¿¢’÷¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾ „›íÊ Š¸¾£-‚¸¤¸¿¢’÷¸ ‚¸¦¬÷¸¡¸¸Ê ¨¸ ™½¡¸÷¸¸‚¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ¬¸Ÿ¸»¢í÷¸ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾.
Segment revenue, results, assets, and liabilities include the amounts identifiable to each of the segments as also amounts
allocated, as estimated by the management. Assets and liabilities that cannot be allocated to identifiable segments are grouped
under unallocated assets and liabilities.

‚¸. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

B. In case of IDBI Asset Management Limited
ˆ¿Åœ¸›¸ú Ÿ¡¸»¸º‚¥¸ û¿Å” ˆÅ¸½ ¢›¸¨¸½©¸ œÏ¤¸¿š¸›¸ ¬¸½¨¸¸ œÏ™¸›¸ ˆÅ£›¸½ ˆ½Å ˆÅ¸£¸½¤¸¸£ Ÿ¸Ê ¥¸Š¸ú íºƒÄ í¾ ‚¸¾£ ¬¸¿¸¸¥¸›¸ ¬¸½ ¬¸¿œ¸»µ¸Ä £¸¸¬¨¸ ž¸¸£÷¸ Ÿ¸Ê œÏ™¸›¸ ˆÅú Š¸ƒÄ „œ¸£¸½Æ÷¸ ¬¸½¨¸¸ ¬¸½ í¾.
ƒ¬¸¢¥¸‡ ˆ¿Åœ¸›¸ú ˆ½Å œ¸¸¬¸ ˆÅ¸½ƒÄ ‚›¡¸ ¢£œ¸¸½’Ä ˆÅ£›¸½ ¡¸¸½Š¡¸ ¨¡¸¨¸¬¸¸¡¸ ¡¸¸ ž¸¸¾Š¸¸½¢¥¸ˆÅ ‰¸¿” ›¸íú¿ í¾.
The company is in the business of providing Investment management service to the mutual fund, and the entire revenue from
operations is from the above service rendered in India. Hence the company has no other reportable business or geographical
segment.

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ƒ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’﬒ú¢©¸œ¸ ¬¸¢¨¸Ä¬¸½{¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

C. In case of IDBI Trusteeship Services Limited

ˆ¿Åœ¸›¸ú Ÿ¸º‰¡¸ ³Åœ¸ ¬¸½ ’﬒ú¢©¸œ¸ ˆÅ¸£¸½¤¸¸£ ˆÅ¸ ˆÅ¸¡¸Ä ˆÅ£÷¸ú í¾ ‚¸¾£ ƒ¬¸ˆÅ¸ ¨¡¸¨¸¬¸¸¡¸ œ¸¢£¸¸¥¸›¸ ž¸¸£÷¸ Ÿ¸Ê ˆ½Å¦›Í÷¸ í¾. ÷¸™›¸º¬¸¸£, ž¸¸£÷¸ú¡¸ ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£ ¬¸¿¬˜¸¸›¸
׸£¸ ¸¸£ú ‡‡¬¸-17 ‰¸¿” ¢£œ¸¸½¢’ôŠ¸ ˆ½Å ‚›¸º¬¸¸£ ˆÅ¸½ƒÄ ž¸ú ‚¥¸Š¸ ˆÅ¸£¸½¤¸¸£ú ‰¸¿” ‡¨¸¿ ž¸¸¾Š¸¸½¢¥¸ˆÅ ®¸½°¸ ›¸íú¿ í¾.
The company is engaged primarily in the trusteeship business and its business operations are concentrated in India. Accordingly
there are no separate business segments and geographical segments as per AS-17- Segment reporting issued by Institute of
Chartered accountants of India.

ƒÄ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ Ÿ¡¸»¸º‚¥¸ û¿Å” ’﬒ú ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
D. In case of IDBI Mutual Fund Trustee Co. Limited

ˆ¿Åœ¸›¸ú Ÿ¸º‰¡¸ ³Åœ¸ ¬¸½ ‡ˆÅ¥¸ ®¸½°¸ Ÿ¸Ê ‚˜¸¸Ä÷¸ ’﬒ú¢©¸œ¸ ˆ½Å ˆÅ¸£¸½¤¸¸£ Ÿ¸Ê í¾. ˆ¿Åœ¸›¸ú œÏŸ¸º‰¸ 踸½÷¸, œÏˆ¼Å¢÷¸ ‚¸¾£ ¢£’›¸Ä, ‚¸¿÷¸¢£ˆÅ ¬¸¿Š¸“›¸ ‡¨¸¿ œÏ¤¸¿š¸›¸ ¬¸¿£¸›¸¸ ˆ½Å ‚¸š¸¸£
œ¸£ œÏ¸˜¸¢Ÿ¸ˆÅ ‰¸¿”¸Ê ˆÅú œ¸í¸¸›¸ ˆÅ£÷¸ú í¾.
The Company is primarily in a single segment i.e. in the business of Trusteeship. The Company identifies primary segments
based on the dominant source, nature and returns, the internal organization and management structure.

15 ‚¸¡¸ ˆÅ£ / Income Tax

‚. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
A. In case of IDBI Bank Limited
i. ˆÅ£ ¨¡¸¡¸ Ÿ¸Ê ¸¸¥¸» ‡¨¸¿ ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ©¸¸¢Ÿ¸¥¸ íÿ. / Tax expense comprises of current and deferred tax.
¸¸¥¸» ˆÅ£ ‚¸¡¸ ˆÅ£ ˆÅú ¨¸í ¢›¸š¸¸Ä¢£÷¸ £¸¢©¸ í¾ ¸¸½ ¢ˆÅ¬¸ú ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ˆÅ£¡¸¸½Š¡¸ ‚¸¡¸ (ˆÅ£ í¸¢›¸) ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ™½¡¸ (¨¸¬¸»¥¸ú ¡¸¸½Š¡¸) í¾. ƒ¬¸ˆÅú Š¸µ¸›¸¸ ‚¸¡¸
ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸, 1961 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ÷¸˜¸¸ ‚¸¡¸ œ¸¢£ˆÅ¥¸›¸ ‚¸¾£ œÏˆÅ’›¸ Ÿ¸¸›¸ˆÅ¸Ê (‚¸ƒÄ¬¸ú”ú‡¬¸) ˆ½Å ‚›¸º¬¸¸£ ˆÅú ¸¸÷¸ú í¾.
Current tax is the amount of Income tax determined to be payable (recoverable) in respect of taxable income (tax loss)
for a period calculated in accordance with the provisions of the Income Tax Act, 1961 and the Income Computation and
Disclosure Standards (ICDS).

ii. ¨¸«¸Ä ˆ½Å ¤¸¢í¡¸¸Ê ‚¸¾£ ˆÅ£ ¥¸¸ž¸¸Ê ˆ½Å ¤¸ú¸ ¬¸Ÿ¸¡¸ ‚¿÷¸£¸¥¸¸Ê í½÷¸º ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ˆÅ¸½ „›¸ ˆÅ£ ™£¸Ê ‡¨¸¿ ˆÅ¸›¸»›¸¸Ê ˆÅ¸ œÏ¡¸¸½Š¸ ˆÅ£÷¸½ íº‡ ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾ ¸¸½
÷¸º¥¸›¸œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ œ¸¡¸¸Äœ÷¸ ³Åœ¸ ¬¸½ ‚¢š¸¢›¸¡¸¢Ÿ¸÷¸ ¢ˆÅ¡¸½ Š¸¡¸½ í¸Ê. ¬¸Ÿ¸¡¸ ‚¿÷¸£¸¥¸¸Ê ¬¸½ „÷œ¸››¸ í¸½›¸½¨¸¸¥¸ú ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ƒ›¸ˆÅú ž¸¢¨¸«¡¸ Ÿ¸Ê
¨¸¬¸»¥¸ú ˆÅú œ¸¡¸¸Äœ÷¸ ¢›¸¢ä¸÷¸÷¸¸ ˆÅú ¬¸úŸ¸¸ ÷¸ˆÅ ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ ¸¸÷¸¸ í¾.
Deferred tax for timing differences between the book and tax profits for the year is accounted for, using the tax rates
and laws that have been substantively enacted as of the balance sheet date. Deferred tax assets arising from timing
differences are recognized to the extent there is reasonable certainty that these would be realized in future.

iii. ‚›¸¨¸©¸¸½¢«¸÷¸ Ÿ¸»¥¡¸Ý¸¬¸/›¸ºˆÅ¬¸¸›¸ ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ÷¸ž¸ú œ¸í¸¸›¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ƒ¬¸ ¤¸¸÷¸ ˆÅú ‚¸ž¸¸¬¸ú ¢›¸¢ä¸÷¸÷¸¸ í¸½ ¢ˆÅ ‡½¬¸ú
‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ ˆÅ¸½ ž¸¢¨¸«¡¸ ˆ½Å ˆÅ£ ¡¸¸½Š¡¸ ¥¸¸ž¸¸Ê ¬¸½ ¨¸¬¸»¥¸ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾.
Deferred tax assets in case of unabsorbed depreciation/ losses are recognized only if there is virtual certainty that such
deferred tax asset can be realized against future taxable profits.

iv. ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¬¸Ÿ¸ú®¸¸ œÏ÷¡¸½ˆÅ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ˆÅú ¸¸÷¸ú í¾ ‚¸¾£ „¬¸ £¸¢©¸ ˆÅ¸½ ™©¸¸Ä›¸½ ˆ½Å ¢¥¸‡ „¢¸÷¸ ³Åœ¸ ¬¸½ ¬¸Ÿ¸¸¡¸¸½¢¸÷¸ ˆÅú ¸¸÷¸ú
í¾ ¸¸½ ¡¸˜¸¸½¢¸÷¸/¨¸¬÷¸º÷¸À ¨¸¬¸»¥¸ ˆÅú ¸¸›¸ú í¾.
Deferred tax assets are reviewed at each Balance Sheet date and appropriately adjusted to reflect the amount that is
reasonably / virtually certain to be realized.

v. ¸í¸¿ ¡¸í ¬¸¿ž¸¨¸ í¾ ¢ˆÅ ¢¨¸¨¸¸¢™÷¸ ˆÅ£¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ˆÅ¸½ƒÄ ¨¸÷¸ÄŸ¸¸›¸ ™¸¢¡¸÷¨¸ Ÿ¸¸¾¸»™ í¾, ÷¸¸½ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¸í¸¿ ¡¸í ¬¸¿ž¸¨¸ ›¸íú¿ í¾ ¢ˆÅ ‡½¬¸¸ ˆÅ¸½ƒÄ ¨¸÷¸ÄŸ¸¸›¸
™¸¢¡¸÷¨¸ Ÿ¸¸¾¸»™ í¾, ¤¸ÿˆÅ ¢œ¸Ž¥¸½ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ‚¸¾£ ‚›¡¸ œÏ¸¬¸¿¢Š¸ˆÅ ›¡¸¸¢¡¸ˆÅ ¢›¸µ¸Ä¡¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê £¸¡¸/¢¨¸¢ž¸››¸ ›¡¸¸¢¡¸ˆÅ ¢›¸µ¸Ä¡¸¸Ê ˆ½Å ‚¸š¸¸£ œ¸£, ‡ˆÅ ‚¸ˆÅ¦¬Ÿ¸ˆÅ
™¸¢¡¸÷¨¸ ˆÅ¸ œÏˆÅ’›¸ ˆÅ£÷¸¸ í¾, ¸¤¸ ÷¸ˆÅ ¢ˆÅ ¬¸¿¬¸¸š¸›¸¸Ê ˆ½Å ¤¸¢í¨¸¸Äí ˆÅú ¬¸¿ž¸¸¨¸›¸¸ ™»£¬˜¸ ›¸ í¸½, ¸í¸¿ ˆÅ¸½ƒÄ œÏ¸¨¸š¸¸›¸ ¡¸¸ œÏˆÅ’›¸ ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
Where it is probable that a present obligation exists in respect of disputed taxes, a provision is made. Where it is not
probable that such a present obligation exists, the bank discloses a contingent liability, unless the possibility of an outflow
of resources is remote, based on opinions/ various judicial decisions in respect of past assessment and other relevant
judicial decisions, where in no provision or disclosure is made.

dm{f©H$ [anmoQ>© Annual Report 2023-24 503

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

‚¸. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ƒ¿’½ˆÅ ¢¥¸¢Ÿ¸’½” ‚¸¡¸ œ¸£ ˆÅ£ ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
B. In case of IDBI Intech Limited
‚¸¡¸ˆÅ£
Taxes on income

‚¸¡¸ˆÅ£ ˆÅú Š¸µ¸›¸¸ ``‚¸¡¸ œ¸£ ˆÅ£¸Ê ˆ½Å ¢¥¸‡ ¥¸½‰¸¸¿ˆÅ›¸'' ˆ½Å ¤¸¸£½ Ÿ¸Ê ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ (‡‡¬¸ 22) ˆ½Å ‚›¸º¬¸¸£ ˆÅú ¸¸÷¸ú í¾. ˆÅ£ ¨¡¸¡¸ Ÿ¸Ê ¨¸÷¸ÄŸ¸¸›¸ ˆÅ£ ‚¸¾£ ‚¸¬˜¸¢Š¸÷¸
ˆÅ£ ©¸¸¢Ÿ¸¥¸ íÿ. ¨¸÷¸ÄŸ¸¸›¸ ˆÅ£ ˆÅ¸½ ¥¸¸Š¸» ˆÅ£ ™£¸Ê ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£ˆ½Å ˆÅ£ ‚¢š¸ˆÅ¸¢£¡¸¸Ê ˆÅ¸½ ž¸ºŠ¸÷¸¸›¸ ¡¸¸ ¨¸¬¸»¥¸ ¢ˆÅ‡ ¸¸›¸½ ¨¸¸¥¸ú ‚œ¸½¢®¸÷¸ £¸¢©¸ ¬¸½ ‚¸¿ˆÅ¸ ¸¸÷¸¸ í¾.
‚¸¬˜¸¢Š¸÷¸ ˆÅ£¸Ê ˆÅ¸½ ž¸¢¨¸«¡¸ ˆ½Å ˆÅ£ œ¸¢£µ¸¸Ÿ¸ ˆ½Å ¢¥¸‡ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾, ¸¸½ ˆÅ£ ¡¸¸½Š¡¸ ‚¸¡¸ ‚¸¾£ ¥¸½‰¸¸¿ˆÅ›¸ ‚¸¡¸ ˆ½Å ¤¸ú¸ ¬¸Ÿ¸¡¸ ˆ½Å ‚¿÷¸£ ˆ½Å ˆÅ¸£µ¸ í¸½÷¸¸ í¾, ¢¸¬¸½
œÏ¸¬¸¿¢Š¸ˆÅ ‚¢š¸¢›¸¡¸¢Ÿ¸÷¸ / œ¸»µ¸Ä ³Åœ¸ ¬¸½ ‚¢š¸¢›¸¡¸¢Ÿ¸÷¸ ˆÅ£ ™£¸Ê œ¸£ ‚¸¿ˆÅ¸ ¸¸÷¸¸ í¾.
Income Taxes are accounted for in accordance with Accounting Standard (AS 22) on “Accounting for Taxes on Income”. Tax
expense comprises of current tax and deferred tax. Current tax is measured at the amount expected to be paid or recovered
from the tax authorities using the applicable tax rates. Deferred taxes are recognised for future tax consequence attributable to
timing difference between taxable income and accounting income, measured at relevant enacted / substantively enacted tax
rates.

‚›¸¨¸©¸¸½¢«¸÷¸ Ÿ¸»¥¡¸Ý¸¬¸ ‚¸¾£ ‚¸Š¸½ ¥¸½ ¸¸›¸½ ¨¸¸¥¸ú í¸¢›¸¡¸¸Ê ˆÅú ¦¬˜¸¢÷¸ Ÿ¸Ê, ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ˆ½Å¨¸¥¸ „¬¸ ¬¸úŸ¸¸ ÷¸ˆÅ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾, ¸¸½ ƒ¬¸ ¤¸¸÷¸ ˆ½Å œ¸º‰÷¸¸
¬¸¤¸»÷¸¸Ê ׸£¸ ‚¸ž¸¸¬¸ú ³Åœ¸ ¬¸½ ¡¸í ¬¸º¢›¸¢ä¸÷¸ ˆÅ£÷¸½ íÿ ¢ˆÅ ‡½¬¸ú ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¨¸¬¸»¥¸ú ˆ½Å ¢¥¸‡ ž¸¢¨¸«¡¸ Ÿ¸Ê œ¸¡¸¸Äœ÷¸ ˆÅ£ ¡¸¸½Š¡¸ ‚¸¡¸ „œ¸¥¸¤š¸ í¸½Š¸ú. ‚›¡¸ ¦¬˜¸¢÷¸¡¸¸Ê Ÿ¸Ê,
‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ˆ½Å¨¸¥¸ „¬¸ ¬¸úŸ¸¸ ÷¸ˆÅ Ÿ¸¸›¡¸÷¸¸ ™ú ¸¸÷¸ú í¾, ¸í¸¿ „¢¸÷¸ ¢›¸¢ä¸÷¸÷¸¸ í¸½ ¢ˆÅ ƒ›¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¨¸¬¸»¥¸ú ˆ½Å ¢¥¸‡ ž¸¢¨¸«¡¸ Ÿ¸Ê œ¸¡¸¸Äœ÷¸ ˆÅ£
¡¸¸½Š¡¸ ‚¸¡¸ „œ¸¥¸¤š¸ í¸½Š¸ú.
In the event of unabsorbed depreciation and carry forward losses, deferred tax assets are recognised only to the extent that
there is virtual certainty supported by convincing evidence that sufficient future taxable income will be available to realise such
assets. In other situations, deferred tax assets are recognised only to the extent that there is reasonable certainty that sufficient
future taxable income will be available to realise these assets.

›¡¸»›¸÷¸Ÿ¸ ¨¸¾ˆÅ¦¥œ¸ˆÅ ˆÅ£ (`‡Ÿ¸‡’ú') ǽŢ”’ œ¸¸°¸÷¸¸ ˆÅ¸½ ž¸¸£÷¸ú¡¸ ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£ ¬¸¿¬˜¸¸›¸ (‚¸ƒÄ¬¸ú‡‚¸ƒÄ) ׸£¸ ¸¸£ú ``‚¸¡¸ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸, 1961 ˆ½Å ÷¸í÷¸
›¡¸»›¸÷¸Ÿ¸ ¨¸¾ˆÅ¦¥œ¸ˆÅ ˆÅ£ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê „œ¸¥¸¤š¸ ǽŢ”’ ˆ½Å ¢¥¸‡ ¥¸½‰¸¸¿ˆÅ›¸'' Ÿ¸¸Š¸Ä™©¸Ä›¸ ›¸¸½’ ˆ½Å ‚›¸º¬¸¸£ Ÿ¸¸›¡¸÷¸¸ ™ú Š¸ƒÄ í¾. ‡Ÿ¸‡’ú ǽŢ”’ ˆÅ¸½ ‡ˆÅ ‚¸¦¬÷¸ ˆ½Å ³Åœ¸
Ÿ¸Ê ÷¸ž¸ú ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ƒ¬¸ í™ ÷¸ˆÅ ƒ¬¸ ¤¸¸÷¸ ˆ½Å œ¸º‰÷¸¸ ¬¸¤¸»÷¸ í¸Ê ¢ˆÅ ˆ¿Åœ¸›¸ú ¢›¸¢™Ä«’ ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ ¬¸¸Ÿ¸¸›¡¸ ‚¸¡¸ˆÅ£ ¬¸½ ¬¸Ÿ¸¸¡¸¸½¸›¸ ˆÅ£›¸½ Ÿ¸Ê ¬¸®¸Ÿ¸ í¸½Š¸ú.
œÏ÷¡¸½ˆÅ ÷¸º¥¸›¸ œ¸°¸ ÷¸¸£ú‰¸ ˆÅ¸½, ˆ¿Åœ¸›¸ú ‡Ÿ¸‡’ú ǽŢ”’ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ œ¸º›¸Ÿ¸»Ä¥¡¸¸¿ˆÅ›¸ ˆÅ£÷¸ú í¾ ‚¸¾£ ¸í¸¿ ‚¸¨¸©¡¸ˆÅ í¸½, „¬¸½ ¬¸Ÿ¸¸¡¸¸½¢¸÷¸ ˆÅ£÷¸ú í¾.
Minimum Alternate Tax ('MAT') credit entitlement is recognized in accordance with the Guidance Note on “Accounting for credit
available in respect of Minimum Alternate Tax under the Income Tax Act, 1961” issued by The Institute of Chartered Accountants
of India (ICAI). MAT credit is recognised as an asset only when and to the extent there is convincing evidence that the Company
will be able to adjust against the normal income tax during the specified period. At each balance sheet date, the Company
reassesses MAT credit assets and adjusts the same, where required.

ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ‡ Š¸‡ ‚¢ŠÏŸ¸ ˆÅ£ ‚¸¾£ ¨¸÷¸ÄŸ¸¸›¸ ‚¸¡¸ˆÅ£ ˆ½Å œÏ¸¨¸š¸¸›¸ ÷¸º¥¸›¸ œ¸°¸ Ÿ¸Ê ¢›¸¨¸¥¸ ³Åœ¸ Ÿ¸Ê ÷¸ž¸ú œÏ¬÷¸º÷¸ ¢ˆÅ‡ ¸¸÷¸½ íÿ ¸¤¸ ¡¸½ ‡ˆÅ íú ˆÅ£ ®¸½°¸¸¢š¸ˆÅ¸£ Ÿ¸Ê „÷œ¸››¸
í¸Ê ÷¸˜¸¸ ¸í¸¿ ˆ¿Åœ¸›¸ú ¢›¸¨¸¥¸ ‚¸š¸¸£ œ¸£ ‚¸¦¬÷¸ ‚¸¾£ ™½¡¸÷¸¸ ˆÅ¸ ¢›¸œ¸’¸›¸ ˆÅ£›¸½ ˆÅ¸ ƒ£¸™¸ £‰¸÷¸ú í¾.
Advance taxes paid and provisions for current income taxes are presented net in the balance sheet if arising in the same tax
jurisdiction and where the entity intends to settle the asset and liability on a net basis.

ƒ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‡¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

C. In case of IDBI Asset Management Limited
ˆÅ£¸š¸¸›¸ / Taxation
‚¸¡¸ˆÅ£ ¨¡¸¡¸ Ÿ¸Ê ¨¸÷¸ÄŸ¸¸›¸ ˆÅ£ (‚˜¸¸Ä÷¸Ã ‚¸¡¸ˆÅ£ ˆÅ¸›¸»›¸ ˆ½Å ‚›¸º¬¸¸£ ¢›¸š¸¸Ä¢£÷¸ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ˆÅ£ ˆÅú £¸¢©¸), ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ œÏž¸¸£ ¡¸¸ ǽŢ”’ (‚¨¸¢š¸ ˆ½Å ¢¥¸‡
¥¸½‰¸¸¿ˆÅ›¸ ‚¸¡¸ ‚¸¾£ ˆÅ£ ¡¸¸½Š¡¸ ‚¸¡¸ ˆ½Å ¤¸ú¸ ¬¸Ÿ¸¡¸ ˆ½Å ‚¿÷¸£ ˆ½Å ˆÅ£ œÏž¸¸¨¸ ˆÅ¸½ ™©¸¸Ä÷¸¸ í¾) ©¸¸¢Ÿ¸¥¸ íÿ.
Income tax expense comprises current tax (i.e. amount of tax for the period determined in accordance with the income-tax law),
deferred tax charge or credit (reflecting the tax effects of timing differences between accounting income and taxable income for
the period).

¸¸¥¸» ˆÅ£ / Current taxes

¸¸¥¸» ‚¸¡¸ˆÅ£ ˆ½Å œÏ¸¨¸š¸¸›¸ ˆÅ¸½ ž¸¸£÷¸ú¡¸ ‚¸¡¸ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸, 1961 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚›¸º¬¸¸£ Ÿ¸¸›¡¸÷¸¸ ™ú Š¸ƒÄ í¾ ‚¸¾£ ˆÅ£ ž¸î¸½ ‡¨¸¿ Ž»’ ˆ½Å ¢¥¸‡ ǽŢ”’ ¥¸½›¸½ ˆ½Å ¤¸¸™
ˆÅ£ ™½¡¸÷¸¸ ˆ½Å ‚¸š¸¸£ œ¸£ ƒ¬¸½ ¨¸¸¢«¸ÄˆÅ ¤¸›¸¸¡¸¸ ¸¸÷¸¸ í¾. ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2021-22 ¬¸½ ˆ¿Åœ¸›¸ú ›¸½ ‚¸¡¸ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸, 1961 ˆÅú š¸¸£¸ 115 ¤¸ú‡‡ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ˆÅ£ ¸ºˆÅ¸›¸½
ˆÅ¸ ¢¨¸ˆÅ¥œ¸ ¸º›¸¸ í¾, ‚÷¸À ‚¸ƒÄ‡‡Ÿ¸‡¥¸ œ¸£ ‡Ÿ¸‡’ú ¥¸¸Š¸» ›¸íú¿ í¾.

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Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

Provision for current income-tax is recognized in accordance with the provisions of Indian Income-tax Act, 1961 and is made
annually based on the tax liability after taking credit for tax allowances and exemptions. From FY 2021-22 the Company has
opted to pay tax U/s 115BAA of the Income Tax Act, 1961, hence MAT is not applicable on IAML

‚¸¬˜¸¢Š¸÷¸ ˆÅ£ / Deferred taxes

‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê ‡¨¸¿ ™½¡¸÷¸¸‚¸Ê ˆÅ¸½ ¬¸Ÿ¸¡¸ ˆ½Å ‚¿÷¸£ ˆ½Å ˆÅ¸£µ¸ ž¸¢¨¸«¡¸ ˆ½Å ˆÅ£ œ¸¢£µ¸¸Ÿ¸¸Ê ˆ½Å ¢¥¸‡ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾, ¢¸¬¸ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ ‚¸¡¸ ˆÅ£¸Ê ˆ½Å
¢¥¸‡ œ¸½©¸ ¢ˆÅ‡ Š¸‡ ¥¸¸ž¸ ‚¸¾£ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¥¸¸ž¸ ˆ½Å ¤¸ú¸ ‚¿÷¸£ í¸½÷¸¸ í¾. ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê ‡¨¸¿ ™½¡¸÷¸¸‚¸Ê ˆÅ¸½ ˆÅ£ ™£¸Ê ‚¸¾£ ˆÅ£ ˆÅ¸›¸»›¸¸Ê
ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£ˆ½Å ‚¸¿ˆÅ¸ ¸¸÷¸¸ í¾ ¢¸›íÊ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ‚¢š¸¢›¸¡¸¢Ÿ¸÷¸ ¡¸¸ ¨¸¸¬÷¸¢¨¸ˆÅ ³Åœ¸ ¬¸½ ‚¢š¸¢›¸¡¸¢Ÿ¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê ‡¨¸¿
™½¡¸÷¸¸‚¸Ê œ¸£ ˆÅ£ ™£¸Ê Ÿ¸Ê ¤¸™¥¸¸¨¸ ˆ½Å œÏž¸¸¨¸ ˆÅ¸½ „¬¸ ‚¨¸¢š¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾ ¢¸¬¸Ÿ¸Ê ‚¢š¸¢›¸¡¸Ÿ¸›¸ ¢÷¸¢˜¸ ©¸¸¢Ÿ¸¥¸ í¾. ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ˆ½Å¨¸¥¸ „¬¸ ¬¸úŸ¸¸
÷¸ˆÅ Ÿ¸¸›¡¸÷¸¸ ™ú ¸¸÷¸ú í¾, ¸í¸¿ „¢¸÷¸ ¢›¸¢ä¸÷¸÷¸¸ í¸½ ¢ˆÅ ž¸¢¨¸«¡¸ Ÿ¸Ê ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¨¸¬¸»¥¸ú ˆÅú ¸¸ ¬¸ˆÅ÷¸ú í¾. í¸¥¸¸¿¢ˆÅ, ¸í¸¿ ˆÅ£¸š¸¸›¸ ˆÅ¸›¸»›¸¸Ê ˆ½Å ÷¸í÷¸ ‚›¸¨¸©¸¸½¢«¸÷¸
Ÿ¸»¥¡¸Ý¸¬¸ ¡¸¸ ‚ŠÏ½¢«¸÷¸ í¸¢›¸ í¸½÷¸ú í¾, ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ÷¸ž¸ú Ÿ¸¸›¡¸÷¸¸ ™ú ¸¸÷¸ú í¾ ¸¤¸ ‡½¬¸ú ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¨¸¬¸»¥¸ú ˆÅú ‚¸ž¸¸¬¸ú ¢›¸¢ä¸÷¸÷¸¸ í¸½. ‚¸¬˜¸¢Š¸÷¸
ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ œ¸º›¸Ÿ¸»Ä¥¡¸¸¿ˆÅ›¸ œÏ÷¡¸½ˆÅ ÷¸º¥¸›¸ œ¸°¸ ÷¸¸£ú‰¸ ˆÅ¸½ „›¸ˆ½Å ¬¸¿¤¸¿¢š¸÷¸ ¨¸í›¸ Ÿ¸»¥¡¸¸Ê ˆÅú „œ¸¡¸ºÆ÷¸÷¸¸ ˆ½Å ¢¥¸‡ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Deferred tax assets and liabilities are recognized for the future tax consequences attributable to timing differences that result
between the profits offered for income taxes and the profits as per the financial statements. Deferred tax assets and liabilities are
measured using the tax rates and the tax laws that have been enacted or substantively enacted by the balance sheet date. The
effect of a change in tax rates on deferred tax assets and liabilities is recognized in the period that includes the enactment date.
Deferred tax assets are recognized only to the extent there is reasonable certainty that the assets can be realized in the future.
However, where there is unabsorbed depreciation or carried forward loss under taxation laws, deferred tax assets are recognized
only if there is virtual certainty of realization of such assets. Deferred tax assets are reassessed for the appropriateness of their
respective carrying values at each balance sheet date.

ƒÄ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ Ÿ¡¸»¸º‚¥¸ û¿Å” ’﬒ú ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
D. In case of IDBI Mutual Fund Trustee Co. Ltd.

ˆÅ£¸š¸¸›¸ / Taxation

‚¸¡¸ˆÅ£ ¨¡¸¡¸ Ÿ¸Ê ¨¸÷¸ÄŸ¸¸›¸ ˆÅ£ (‚˜¸¸Ä÷¸Ã ‚¸¡¸ˆÅ£ ˆÅ¸›¸»›¸ ˆ½Å ‚›¸º¬¸¸£ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ¢›¸š¸¸Ä¢£÷¸ ˆÅ£ ˆÅú £¸¢©¸), ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ œÏž¸¸£ ¡¸¸ ǽŢ”’ (‚¨¸¢š¸ ˆ½Å ¢¥¸‡
¥¸½‰¸¸¿ˆÅ›¸ ‚¸¡¸ ‚¸¾£ ˆÅ£ ¡¸¸½Š¡¸ ‚¸¡¸ ˆ½Å ¤¸ú¸ ¬¸Ÿ¸¡¸ ˆ½Å ‚¿÷¸£ ˆ½Å ˆÅ£ œÏž¸¸¨¸ ˆÅ¸½ ™©¸¸Ä÷¸¸ í¾) ©¸¸¢Ÿ¸¥¸ íÿ.
Income tax expense comprises current tax (i.e. amount of tax for the period determined in accordance with the income-tax law),
deferred tax charge or credit (reflecting the tax effects of timing differences between accounting income and taxable income for
the period).

¸¸¥¸» ˆÅ£ / Current taxes

¸¸¥¸» ‚¸¡¸ˆÅ£ ˆ½Å œÏ¸¨¸š¸¸›¸ ˆÅ¸½ ž¸¸£÷¸ú¡¸ ‚¸¡¸ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸, 1961 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚›¸º¬¸¸£ Ÿ¸¸›¡¸÷¸¸ ™ú Š¸ƒÄ í¾ ‚¸¾£ ˆÅ£ ž¸î¸½ ‡¨¸¿ Ž»’ ˆ½Å ¢¥¸‡ ǽŢ”’ ¥¸½›¸½ ˆ½Å ¤¸¸™
ˆÅ£ ™½¡¸÷¸¸ ˆ½Å ‚¸š¸¸£ œ¸£ ƒ¬¸½ ¨¸¸¢«¸ÄˆÅ ¤¸›¸¸¡¸¸ ¸¸÷¸¸ í¾. ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2021-22 ¬¸½ ˆ¿Åœ¸›¸ú ›¸½ ‚¸¡¸ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸, 1961 ˆÅú š¸¸£¸ 115 ¤¸ú‡‡ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ˆÅ£ ¸ºˆÅ¸›¸½
ˆÅ¸ ¢¨¸ˆÅ¥œ¸ ¸º›¸¸ í¾, ‚÷¸À ˆ¿Åœ¸›¸ú œ¸£ ‡Ÿ¸‡’ú ¥¸¸Š¸» ›¸íú¿ í¾.
Provision for current income-tax is recognized in accordance with the provisions of Indian Income-tax Act, 1961 and is made
annually based on the tax liability after taking credit for tax allowances and exemptions. From FY 2021-22 the Company has
opted to pay tax U/s 115BAA of the Income Tax Act, 1961, hence MAT is not applicable to the company.

‚¸¬˜¸¢Š¸÷¸ ˆÅ£ / Deferred taxes

‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê ‡¨¸¿ ™½¡¸÷¸¸‚¸Ê ˆÅ¸½ ¬¸Ÿ¸¡¸ ˆ½Å ‚¿÷¸£ ˆ½Å ˆÅ¸£µ¸ ž¸¢¨¸«¡¸ ˆ½Å ˆÅ£ œ¸¢£µ¸¸Ÿ¸¸Ê ˆ½Å ¢¥¸‡ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾, ¢¸¬¸ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ ‚¸¡¸ ˆÅ£¸Ê ˆ½Å
¢¥¸‡ œ¸½©¸ ¢ˆÅ‡ Š¸‡ ¥¸¸ž¸ ‚¸¾£ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¥¸¸ž¸ ˆ½Å ¤¸ú¸ ‚¿÷¸£ í¸½÷¸¸ í¾. ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê ‡¨¸¿ ™½¡¸÷¸¸‚¸Ê ˆÅ¸½ ˆÅ£ ™£¸Ê ‚¸¾£ ˆÅ£ ˆÅ¸›¸»›¸¸Ê
ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£ˆ½Å Ÿ¸¸œ¸¸ ¸¸÷¸¸ í¾ ¢¸›íÊ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ‚¢š¸¢›¸¡¸¢Ÿ¸÷¸ ¡¸¸ ¨¸¸¬÷¸¢¨¸ˆÅ ³Åœ¸ ¬¸½ ‚¢š¸¢›¸¡¸¢Ÿ¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê ‡¨¸¿
™½¡¸÷¸¸‚¸Ê œ¸£ ˆÅ£ ™£¸Ê Ÿ¸Ê ¤¸™¥¸¸¨¸ ˆ½Å œÏž¸¸¨¸ ˆÅ¸½ „¬¸ ‚¨¸¢š¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾ ¢¸¬¸Ÿ¸Ê ‚¢š¸¢›¸¡¸Ÿ¸›¸ ¢÷¸¢˜¸ ©¸¸¢Ÿ¸¥¸ í¾. ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ˆ½Å¨¸¥¸ „¬¸ ¬¸úŸ¸¸
÷¸ˆÅ Ÿ¸¸›¡¸÷¸¸ ™ú ¸¸÷¸ú í¾, ¸í¸¿ „¢¸÷¸ ¢›¸¢ä¸÷¸÷¸¸ í¸½ ¢ˆÅ ž¸¢¨¸«¡¸ Ÿ¸Ê ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¨¸¬¸»¥¸ú ˆÅú ¸¸ ¬¸ˆÅ÷¸ú í¾. í¸¥¸¸¿¢ˆÅ, ¸í¸¿ ˆÅ£¸š¸¸›¸ ˆÅ¸›¸»›¸¸Ê ˆ½Å ÷¸í÷¸ ‚›¸¨¸©¸¸½¢«¸÷¸
Ÿ¸»¥¡¸Ý¸¬¸ ¡¸¸ ‚ŠÏ½¢«¸÷¸ í¸¢›¸ í¸½÷¸ú í¾, ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ÷¸ž¸ú ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ‡½¬¸ú ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¨¸¬¸»¥¸ú ˆÅú ‚¸ž¸¸¬¸ú ¢›¸¢ä¸÷¸÷¸¸ í¸½. ‚¸¬˜¸¢Š¸÷¸ ˆÅ£
‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ œ¸º›¸Ÿ¸»Ä¥¡¸¸¿ˆÅ›¸ œÏ÷¡¸½ˆÅ ÷¸º¥¸›¸ œ¸°¸ ÷¸¸£ú‰¸ ˆÅ¸½ „›¸ˆ½Å ¬¸¿¤¸¿¢š¸÷¸ ¨¸í›¸ Ÿ¸»¥¡¸¸Ê ˆÅú „œ¸¡¸ºÆ÷¸÷¸¸ ˆ½Å ¢¥¸‡ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Deferred tax assets and liabilities are recognized for the future tax consequences attributable to timing differences that result
between the profits offered for income taxes and the profits as per the financial statements. Deferred tax assets and liabilities are
measured using the tax rates and the tax laws that have been enacted or substantively enacted by the balance sheet date. The
effect of a change in tax rates on deferred tax assets and liabilities is recognized in the period that includes the enactment date.

dm{f©H$ [anmoQ>© Annual Report 2023-24 505

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

Deferred tax assets are recognized only to the extent there is reasonable certainty that the assets can be realized in the future.
However, where there is unabsorbed depreciation or carried forward loss under taxation laws, deferred tax assets are recognized
only if there is virtual certainty of realization of such assets. Deferred tax assets are reassessed for the appropriateness of their
respective carrying values at each balance sheet date.

„. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’﬒ú¢©¸œ¸ ¬¸¢¨¸Ä¬¸½{¸ ¢¥¸. ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

E. In case of IDBI Trusteeship Services Ltd

¸¸¥¸» ¨¸«¸Ä ˆÅ¸ ˆÅ£, ¸¸¥¸» ˆÅ£ ¢›¸¡¸Ÿ¸¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ¸¸¥¸» ¨¸«¸Ä ˆÅú ˆÅ£ ¡¸¸½Š¡¸ ‚¸¡¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ™½¡¸ ˆÅ£ ˆÅú £¸¢©¸ ¥¸¸ž¸ ‡¨¸¿ í¸¢›¸ ¥¸½‰¸½
Ÿ¸Ê ™©¸¸ÄƒÄ ¸¸÷¸ú í¾.
Current year’s tax is determined based on current tax laws and the amount of tax payable in respect of taxable income of the
current year is provided in profit and loss account.

‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ˆÅú œ¸í¸¸›¸ ¬¸Ÿ¸¡¸ ‚¿÷¸£¸¥¸ ˆ½Å ˆÅ¸£µ¸ ˆÅú ¸¸÷¸ú í¾; ˆÅ£ ¡¸¸½Š¡¸ ‚¸¡¸ ‚¸¾£ ¥¸½‰¸¸ ‚¸¡¸ ˆ½Å ¤¸ú¸ ˆÅ¸ ‚¿÷¸£ í¸½›¸¸ ¸¸½ ‡ˆÅ ‚¨¸¢š¸ Ÿ¸Ê ‚¸£¿ž¸ í¸½÷¸¸ í¾ ‚¸¾£
‡ˆÅ ‚˜¸¨¸¸ ‚¢š¸ˆÅ œ¸£¨¸÷¸úÄ ‚¨¸¢š¸ Ÿ¸Ê ¢£¨¸¬¸Ä ˆÅ£›¸½ Ÿ¸Ê ¬¸®¸Ÿ¸ í¸½÷¸¸ í¾. ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ ˆÅ¸½ Ÿ¸¸›¡¸÷¸¸ ™ú ¸¸÷¸ú í¾ ‚¸¾£ ˆ½Å¨¸¥¸ „¬¸ ¬¸úŸ¸¸ ÷¸ˆÅ ‚¸Š¸½ ¥¸½ ¸¸¡¸¸
¸¸÷¸¸ í¾ ¸í¸¿ ‡ˆÅ ‚¸ž¸¸¬¸ú ¢›¸¢ä¸÷¸÷¸¸ í¸½÷¸ú í¾ ¢ˆÅ ‚¸¦¬÷¸ ˆÅú ž¸¢¨¸«¡¸ Ÿ¸Ê ¨¸¬¸»¥¸ í¸½ ¸¸‡Š¸ú. ‡½¬¸½ Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê ¸í¸¿ ‚¸ž¸¸¬¸ú ¢›¸¢ä¸÷¸÷¸¸ ˆÅ¸½ƒÄ “¸½¬¸ ¬¸¸®¡¸¸Ê ׸£¸ ¬¸Ÿ¸¢˜¸Ä÷¸
›¸íú¿ í¾, ¨¸í¸¿ ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ¥¸½‰¸¸ ¤¸¢í¡¸¸Ê Ÿ¸Ê „œ¸¢¸÷¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Deferred tax is recognised on account of timing difference; being the difference between taxable incomes and accounting
income that originate in one period and is capable of reversal of one or more subsequent periods. Deferred tax asset is
recognised and carried forward only to the extent that there is a virtual certainty that the asset will be realised in future. In
cases where there is no virtual certainty supported by convincing evidence, the deferred tax assets is not accrued in books of
Accounts.

…. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄΓ¸ ‡¨¸¿ ¢¬¸Æ¡¸º¢£’ú¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

F. In case of IDBI Capital Markets and Securities Limited
i. ¸¸¥¸» ˆÅ£ ˆÅ¸½ ‚¸¡¸ ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å ‚›¸º¬¸¸£, ˆÅ£ œÏ¸¢š¸ˆÅ¸¢£¡¸¸Ê ˆÅ¸½ ž¸ºŠ¸÷¸¸›¸ / ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ ‚›¸ºŸ¸¸¢›¸÷¸ £¸¢©¸ œ¸£ ‚¸¿ˆÅ¸ ¸¸÷¸¸ í¾..
Current tax is measured at the amount expected to be paid/ recovered from the tax authorities, in accordance with the
Income Tax Act.

ii. ˆÅ£ ¡¸¸½Š¡¸ ‚¸¡¸ ‚¸¾£ ¥¸½‰¸¸¿ˆÅ›¸ ‚¸¡¸ ˆ½Å ¤¸ú¸ í¸½›¸½ ¨¸¸¥¸½ ¬¸Ÿ¸¡¸ ‚¿÷¸£ ˆÅ¸ ˆÅ£ œÏž¸¸¨¸ ‚¸¾£ ‡ˆÅ ¡¸¸ ‚¢š¸ˆÅ œ¸£¨¸÷¸úÄ ‚¨¸¢š¸¡¸¸Ê Ÿ¸Ê ¢£¨¸¬¸Ä ¢ˆÅ¡¸½ ¸¸›¸½ ˆ½Å ¡¸¸½Š¡¸
í¾, ˆÅ¸½ ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ ¡¸¸ ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ™½¡¸÷¸¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™¸Ä ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ ‚¸¾£ ™½¡¸÷¸¸‚¸Ê ˆÅ¸½ ž¸¢¨¸«¡¸ ˆÅ£ œ¸¢£µ¸¸Ÿ¸¸Ê
ˆ½Å 踸½÷¸¸›¡¸ ¬¸Ÿ¸¡¸ ‚¿÷¸£¸¥¸¸Ê ˆ½Å ¢¥¸‡ œ¸í¸¸›¸¸ ¸¸÷¸¸ í¾. „›íÊ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ Ÿ¸Ê ‚¢š¸¢›¸¡¸¢Ÿ¸÷¸ ¡¸¸ Ÿ¸»¥¸ ³Åœ¸ Ÿ¸Ê ‚¢š¸¢›¸¡¸¢Ÿ¸÷¸ ˆÅ£ ™£¸Ê ‚¸¾£ ˆÅ£
¢¨¸¢›¸¡¸Ÿ¸¸Ê ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£ ‚¸¿ˆÅ¸ ¸¸÷¸¸ í¾.
The tax effect of the timing differences that result between taxable income and accounting income and are
capable of reversal in one or more subsequent periods are recorded as a deferred tax asset or deferred tax liability.
Deferred tax assets and liabilities are recognized for future tax consequences attributable to timing differences.
They are measured using the enacted or substantively enacted tax rates and tax regulations as at the balance
sheet date

iii. ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ˆ½Å¨¸¥¸ „¬¸ ¬¸úŸ¸¸ ÷¸ˆÅ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ‚¸Š¸½ ¥¸½ ¸¸ƒÄ ¸¸÷¸ú íÿ ¸í¸¿ œ¸¡¸¸Äœ÷¸ ¢›¸¢ä¸÷¸÷¸¸ í¾ ¢ˆÅ ž¸¢¨¸«¡¸ Ÿ¸Ê œ¸¡¸¸Äœ÷¸ ˆÅ£ ¡¸¸½Š¡¸
‚¸¡¸ „œ¸¥¸¤š¸ í¸½Š¸ú, ¢¸¬¸ˆ½Å ¢¨¸²Ö ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¨¸¬¸»¥¸ú ¸¸ ¬¸ˆÅ÷¸ú í¾; í¸¥¸¸¿¢ˆÅ ¸í¸¿ ‚›¸¨¸©¸¸½¢«¸÷¸ Ÿ¸»¥¡¸Ý¸¬¸ í¾ ‚¸¾£ í¸¢›¸¡¸¸Â ‚¸Š¸½ ¥¸¸ƒÄ
Š¸ƒÄ íÿ, ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ ˆ½Å¨¸¥¸ ÷¸ž¸ú ¬¸¼¢¸÷¸ ˆÅú ¸¸÷¸ú íÿ ¸¤¸ ‚¸¦¬÷¸ ˆÅú ¨¸¬¸»¥¸ú ˆÅú ‚¸ž¸¸¬¸ú ¢›¸¢ä¸÷¸÷¸¸ í¸½.
Deferred tax assets are recognised and carried forward only to the extent there is reasonable certainty that sufficient
taxable income will be available in future, against which the deferred tax assets can be realized; however where there
is unabsorbed depreciation and carried forward losses, deferred tax assets is created only if there is virtual certainty of
realization of assets.

iv. œÏ÷¡¸½ˆÅ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ œ¸£ ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ‚¸Š¸½ ¥¸½ ¸¸›¸½ ˆÅú £¸¢©¸ ˆÅ¸½ „¬¸ ¬¸úŸ¸¸ ÷¸ˆÅ ˆÅŸ¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢¸¬¸ ÷¸ˆÅ
¡¸í ¡¸˜¸¸½¢¸÷¸ ³Åœ¸ ¬¸½ ¢›¸¢ä¸÷¸ ›¸ í¸½ ¢ˆÅ ž¸¢¨¸«¡¸ Ÿ¸Ê œ¸¡¸¸Äœ÷¸ ˆÅ£ ¡¸¸½Š¡¸ ‚¸¡¸ „œ¸¥¸¤š¸ í¸½Š¸ú ¢¸¬¸ˆ½Å ¢¨¸²Ö ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ ˆÅú ¨¸¬¸»¥¸ú ˆÅú ¸¸
¬¸ˆÅ÷¸ú í¾.
The carrying amount of deferred tax assets at each balance sheet date is reduced to the extent that it is no longer
reasonably certain that sufficient future taxable income will be available against which the deferred tax asset can be
realized.

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Schedules to the Consolidated Financial Statements

›¡¸»›¸÷¸Ÿ¸ ¨¸¾ˆÅ¦¥œ¸ˆÅ ˆÅ£

Minimum Alternate Tax

‡ˆÅ ¨¸«¸Ä Ÿ¸Ê ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ›¡¸»›¸÷¸Ÿ¸ ¨¸¾ˆÅ¦¥œ¸ˆÅ ˆÅ£ (‡Ÿ¸‡’ú) ¨¸÷¸ÄŸ¸¸›¸ ˆÅ£ ˆ½Å ³Åœ¸ Ÿ¸Ê ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ˆ½Å ¢¨¸¨¸£µ¸ Ÿ¸½¿ œÏž¸¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ˆ¿Åœ¸›¸ú ‡Ÿ¸‡’ú
ǽŢ”’ ˆÅ¸½ ‡ˆÅ ‚¸¦¬÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ÷¸ž¸ú Ÿ¸¸›¡¸÷¸¸ ™½÷¸ú í¾, ¸¤¸ ƒ¬¸ ¤¸¸÷¸ ˆ½Å œ¸º‰÷¸¸ ¬¸¤¸»÷¸ í¸Ê ¢ˆÅ ˆ¿Åœ¸›¸ú ¢›¸¢™Ä«’ ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ ¬¸¸Ÿ¸¸›¡¸ ‚¸¡¸ˆÅ£ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ˆÅ£½Š¸ú,
‚˜¸¸Ä÷¸Ã ¨¸í ‚¨¸¢š¸ ¢¸¬¸ˆ½Å ¢¥¸‡ ‡Ÿ¸‡’ú ǽŢ”’ ˆÅ¸½ ‚¸Š¸½ ¥¸½ ¸¸›¸½ ˆÅú ‚›¸ºŸ¸¢÷¸ í¾. ¢¸¬¸ ¨¸«¸Ä ˆ¿Åœ¸›¸ú ›¸½ ‚¸¡¸ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸, 1961 ˆ½Å ÷¸í÷¸ ›¡¸»›¸÷¸Ÿ¸ ¨¸¾ˆÅ¦¥œ¸ˆÅ ˆÅ£
ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê „œ¸¥¸¤š¸ ǽŢ”’ ˆ½Å ¢¥¸‡ ¥¸½‰¸¸¿ˆÅ›¸ œ¸£ Ÿ¸¸Š¸Ä™©¸Ä›¸ ›¸¸½’ ˆ½Å ‚›¸º¬¸¸£ ‡Ÿ¸‡’ú ǽŢ”’ ˆÅ¸½ ‡ˆÅ ‚¸¦¬÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê Ÿ¸¸›¡¸÷¸¸ ™ú í¾, „¬¸ ¨¸«¸Ä „Æ÷¸ ‚¸¦¬÷¸ ˆÅ¸½
¥¸¸ž¸-í¸¢›¸ ¢¨¸¨¸£µ¸ Ÿ¸Ê ¸Ÿ¸¸ ˆÅ£÷¸½ íº‡ "‡Ÿ¸‡’ú ǽŢ”’ œ¸¸°¸÷¸¸" ˆ½Å ³Åœ¸ Ÿ¸Ê ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾. ˆ¿Åœ¸›¸ú œÏ÷¡¸½ˆÅ ¢£œ¸¸½¢’ôŠ¸ ¢÷¸¢˜¸ œ¸£ "Ÿ¸¾’ ǽŢ”’ œ¸¸°¸÷¸¸" ‚¸¦¬÷¸ ˆÅú
¬¸Ÿ¸ú®¸¸ ˆÅ£÷¸ú í¾ ‚¸¾£ ‚¸¦¬÷¸ ˆÅ¸½ „¬¸ ¬¸úŸ¸¸ ÷¸ˆÅ ‚œ¸¢¥¸‰¸÷¸ ˆÅ£÷¸ú í¾, ¢¸¬¸ ÷¸ˆÅ ˆ¿Åœ¸›¸ú ˆ½Å œ¸¸¬¸ ƒ¬¸ ¤¸¸÷¸ ˆ½Å œ¸º‰÷¸¸ ¬¸¤¸»÷¸ ›¸íú¿ íÿ ¢ˆÅ ¨¸í œ¸¡¸¸Äœ÷¸ ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸
¬¸¸Ÿ¸¸›¡¸ ˆÅ£ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ˆÅ£½Š¸ú.
Minimum Alternate Tax (MAT) paid in a year is charged to the Statement of Profit and Loss as current tax. The company
recognizes MAT credit available as an asset only to the extent there is convincing evidence that the company will
pay normal income tax during the specified period, i.e., the period for which MAT Credit is allowed to be carried forward. In the
year in which the Company recognizes MAT Credit as an asset in accordance with the Guidance Note on Accounting for Credit
Available in respect of Minimum Alternate Tax under the Income Tax Act, 1961, the said asset is created by way of credit to the
statement of Profit and Loss and shown as “MAT Credit Entitlement.” The Company reviews the “MAT Credit Entitlement” asset
at each reporting date and writes down the asset to the extent the company does not have convincing evidence that it will pay
normal tax during the sufficient period.

16 œ¸’Ã’½ / Leases
‚. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
A. In case of IDBI Bank Limited
i. œ¸’Ã’¸/ ¢ˆÅ£¸¡¸½ ˆ½Å ‚¸š¸¸£ œ¸£ ¥¸ú Š¸ƒÄ ¬¸¿œ¸¢î¸¡¸¸¿ ¤¸ÿˆÅ ˆ½Å ¢¨¸ˆÅ¥œ¸ œ¸£ ›¸¨¸úˆÅ£µ¸ú¡¸/ £Ó ˆÅ£›¸½ ¡¸¸½Š¡¸ íÿ.
The properties taken on lease/ rental basis are renewable/ cancellable at the option of the Bank.

ii. ¤¸ÿˆÅ ׸£¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ œ¸’Ã’¸ ¬¸íŸ¸÷¸ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ í¾ ‚¸¾£ œ¸’Ã’½ ˆÅú ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ ž¸ú œ¸’Ã’½ ˆÅ¸½ œ¸¸£¬œ¸¢£ˆÅ ¬¸íŸ¸¢÷¸ ¬¸½ (œÏ¸¡¸À ‡ˆÅ ˆ¾Å¥¸Ê”£ Ÿ¸¸í) ˆÅ¸
¢¥¸¢‰¸÷¸ ›¸¸½¢’¬¸ ™½ˆÅ£ ¬¸Ÿ¸¸œ÷¸ ˆÅ£›¸½ ˆÅ¸ ¢¨¸ˆÅ¥œ¸ í¾.
The lease entered into by the Bank are for agreed period with an option to terminate the leases even during the tenure of
lease period by giving mutually agreed notice (normally one calendar month) in writing.

iii. œ¸¢£¸¸¥¸›¸ œ¸’Ã’¸Ê ˆ½Å ¢¥¸‡ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ‡ Š¸‡ œ¸’Ã’½ ˆ½Å ¢ˆÅ£¸‡ ˆÅ¸½ ¬¸¿¤¸¿¢š¸÷¸ ¨¸«¸Ä ˆ½Å ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ¨¡¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
Lease rent paid for operating leases are recognised as an expense in the Profit & Loss account in the year to which it
relates.

iv. œ¸¢£¸¸¥¸›¸ œ¸’Ã’¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê œÏ¸£¿¢ž¸ˆÅ œÏ÷¡¸®¸ ¥¸¸Š¸÷¸ ¸¾¬¸½ ¢¨¸¢š¸ ¥¸¸Š¸÷¸, ™¥¸¸¥¸ú ¥¸¸Š¸÷¸ ‚¸¢™ ˆÅ¸½ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ÷¸º£¿÷¸ ¨¡¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™©¸¸Ä¡¸¸
¸¸÷¸¸ í¾.
Initial direct costs in respect of operating leases such as legal costs, brokerage costs, etc. are recognized as expense
immediately in the Profit and Loss Account

‚¸. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ƒ¿’½ˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

B. In case of IDBI Intech Limited
ˆÅ. ¢¨¸î¸ œ¸’Ã’¸
a. Finance lease

¢¨¸î¸ œ¸’Ã’½ œ¸£ ¥¸ú Š¸ƒÄ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ›¡¸»›¸÷¸Ÿ¸ œ¸’Ã’¸ ž¸ºŠ¸÷¸¸›¸¸Ê ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ ‚¸¾£ „¢¸÷¸ Ÿ¸»¥¡¸ Ÿ¸Ê ¬¸½ ˆÅŸ¸ œ¸£ ¬˜¸¸¡¸ú ¬¸¿œ¸¢î¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾
‚¸¾£ ¬¸Ÿ¸÷¸º¥¡¸ £¸¢©¸ ˆ½Å ¢¥¸‡ ™½¡¸÷¸¸ Ÿ¸¸›¸ú ¸¸÷¸ú í¾. ¥¸ú¸ ž¸ºŠ¸÷¸¸›¸¸Ê ˆÅ¸½ ¢¨¸î¸ œÏž¸¸£ ‚¸¾£ ¤¸ˆÅ¸¡¸¸ ™½¡¸÷¸¸ Ÿ¸Ê ˆÅŸ¸ú ˆ½Å ¤¸ú¸ ¢¨¸ž¸¸¢¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Assets taken on finance lease are accounted for as fixed assets at lower of present value of the minimum lease payments
and the fair value and a liability is recognised for an equivalent amount. Lease payments are apportioned between finance
charge and reduction in outstanding liability.

dm{f©H$ [anmoQ>© Annual Report 2023-24 507

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

‰¸. œ¸¢£¸¸¥¸›¸ œ¸’Ã’¸

b. Operating leases

œ¸’Ã’½ œ¸£ ¥¸ú Š¸ƒÄ ‚¸¦¬÷¸¡¸¸¿ ¢¸¬¸ˆ½Å ÷¸í÷¸ œ¸’Ã’½™¸£ ׸£¸ ¬¨¸¸¢Ÿ¸÷¨¸ ˆ½Å ¬¸ž¸ú ¸¸½¢‰¸Ÿ¸¸Ê ‚¸¾£ œ¸º£¬ˆÅ¸£¸Ê ˆÅ¸½ œÏž¸¸¨¸ú ³Åœ¸ ¬¸½ œÏ¢÷¸š¸¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾, „›íÊ
œ¸¢£¸¸¥¸›¸ œ¸’Ã’½ ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. œ¸¢£¸¸¥¸›¸ œ¸’Ã’¸Ê ˆ½Å ÷¸í÷¸ œ¸’Ã’½ ˆ½Å ž¸ºŠ¸÷¸¸›¸ ˆÅ¸½ œ¸’Ã’½ ˆÅú ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ ¬¸úš¸ú £½‰¸¸ ˆ½Å ‚¸š¸¸£ œ¸£
‰¸¸Ä ˆ½Å ³Åœ¸ Ÿ¸Ê Ÿ¸¸›¡¸÷¸¸ ™ú ¸¸÷¸ú í¾.
Assets taken on lease under which all risks and rewards of ownership are effectively retained by the lessor are classified
as operating lease. Lease payments under operating leases are recognised as expenses on straight line basis over the
lease term.

ƒ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄΓ¸ ‡¿” ¢¬¸Æ¡¸º¢£’ú¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

C. In case of IDBI Capital Markets & Securities Limited
œ¸¢£¸¸¥¸›¸ œ¸’Ã’½ / Operating Leases
¢¸›¸ œ¸’Ã’¸Ê Ÿ¸Ê œ¸’Ã’½™¸£ œÏž¸¸¨¸ú ³Åœ¸ ¬¸½ œ¸’Ã’½ ˆÅú ‚¨¸¢š¸ Ÿ¸Ê ¬¨¸¸¢Ÿ¸÷¨¸ ˆ½Å ¬¸ž¸ú ¸¸½¢‰¸Ÿ¸¸Ê ‚¸¾£ ¥¸¸ž¸¸Ê ˆÅ¸½ œÏž¸¸¨¸ú ¿Š¸ ¬¸½ œÏ¢÷¸š¸¸¢£÷¸ ˆÅ£÷¸¸ í¾, „›íÊ œ¸¢£¸¸¥¸›¸ œ¸’Ã’¸Ê
ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. œ¸¢£¸¸¥¸›¸ œ¸’Ã’½ ˆ½Å ž¸ºŠ¸÷¸¸›¸ ˆÅ¸½ œ¸Ø½ ˆÅú ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ ‡ˆÅ ¬¸úš¸ú £½‰¸¸ ˆ½Å ‚¸š¸¸£ œ¸£ '¢ˆÅ£¸¡¸¸ ™£ ‚¸¾£ ˆÅ£' ˆ½Å ÷¸í÷¸ ¥¸¸ž¸
‚¸¾£ í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ‡ˆÅ ¨¡¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
Leases where the lessor effectively retains substantially all the risks and benefits of ownership of the leased term, are classified
as operating leases. Operating lease payments are recognized as an expense in the Profit and Loss account under ‘Rent Rates
and Taxes’ on a Straight Line Basis over the lease term.

ƒÄ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’﬒ú¢©¸œ¸ ¬¸¢¨¸Ä¬¸½{¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

D. In case of IDBI Trusteeship Services Limited
œ¸¢£¸¸¥¸›¸ œ¸’Ã’½ ˆ½Å ‚¿÷¸Š¸Ä÷¸ œ¸’Ã’¸ ž¸ºŠ¸÷¸¸›¸ ˆÅ¸½ œ¸’Ã’¸ ˆÅ£¸£ ˆÅú ©¸÷¸¸½ô ˆ½Å ‚›¸º¬¸¸£ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ¥¸½‰¸¸ ¢¨¸¨¸£µ¸ Ÿ¸Ê ¨¡¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
Lease payment under an operating lease is recognised as expenses in the statement of Profit and loss account as per terms of
lease agreement.

„. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½

E. In case of IDBI Asset Management Limited
œ¸¢£¸¸¥¸›¸ œ¸’Ã’½ / Operating Leases
œ¸’Ã’½ œ¸£ ¥¸ú Š¸ƒÄ ‚¸¦¬÷¸¡¸¸¿ ¢¸¬¸ˆ½Å ‚¿÷¸Š¸Ä÷¸ œ¸’Ã’½™¸£ ׸£¸ ¬¨¸¸¢Ÿ¸÷¨¸ ˆ½Å ¬¸ž¸ú ¸¸½¢‰¸Ÿ¸ ‚¸¾£ œ¸º£¬ˆÅ¸£¸Ê ˆÅ¸½ œÏž¸¸¨¸ú ³Åœ¸ ¬¸½ œÏ¢÷¸š¸¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾, ˆÅ¸½ œ¸¢£¸¸¥¸›¸
œ¸’Ã’¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¸Š¸úĈ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. œ¸¢£¸¸¥¸›¸ œ¸’Ã’¸Ê ˆ½Å ÷¸í÷¸ œ¸’Ã’½ ˆ½Å ž¸ºŠ¸÷¸¸›¸/ £¸¸¬¨¸ ˆÅ¸½ œ¸’Ã’¸Ê ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ˆÅ£¸£¸Ê ˆÅú ©¸÷¸¸½ô ˆ½Å ‚›¸º¬¸¸£ „œ¸¸¡¸ ‚¸š¸¸£
œ¸£ ¨¡¸¡¸/ ‚¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
Lease of assets under which all the risk and rewards of ownership are effectively retained by the lessor are classified as operating
leases. Lease payments/ revenue under operating leases are recognized as expense/ income on accrual basis in accordance
with the terms of respective lease agreements.

17 œÏ¢÷¸ ©¸½¡¸£ ‚¸Ä›¸ / Earnings Per Share

i. ¤¸ÿˆÅ ‡‡¬¸ 20 ˆ½Å ‚›¸º¬¸¸£ Ÿ¸»¥¸ ‡¨¸¿ ›¡¸»›¸úˆ¼Å÷¸ œÏ¢÷¸ ©¸½¡¸£ ‚¸Ä›¸ ˆÅú ¬¸»¸›¸¸ ™½÷¸¸ í¾. œÏ¢÷¸ ©¸½¡¸£ Ÿ¸»¥¸ ‚¸Ä›¸ ˆÅú Š¸µ¸›¸¸ ˆÅ£-œ¸ä¸¸÷¸Ã ¢›¸¨¸¥¸ ¥¸¸ž¸ ˆÅ¸½ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸
¤¸ˆÅ¸¡¸¸ ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆÅú ž¸¸¢£÷¸ ‚¸¾¬¸÷¸ ¬¸¿‰¡¸¸ ¬¸½ ž¸¸Š¸ ™½ˆÅ£ ˆÅú ¸¸÷¸ú í¾.
The Bank reports basic and diluted Earnings per Share in accordance with AS 20. Basic Earnings per Share is computed by
dividing the net profit after tax by the weighted average number of equity shares outstanding during the year.

ii. œÏ¢÷¸ ©¸½¡¸£ ›¡¸»›¸úˆ¼Å÷¸ ‚¸Ä›¸ „¬¸ ¬¸¿ž¸¸¢¨¸÷¸ ›¡¸»›¸úˆÅ£µ¸ ˆÅ¸½ ™©¸¸Ä÷¸½ íÿ ¸¸½ „¬¸ ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ¡¸¸ ƒ¦Æ¨¸’ú ©¸½¡¸£ ¸¸£ú ˆÅ£›¸½ ˆÅú ‚›¡¸ ¬¸¿¢¨¸™¸‚¸Ê ˆÅ¸
„œ¸¡¸¸½Š¸ ¡¸¸ œ¸¢£¨¸÷¸Ä›¸ ˆÅ£›¸½ œ¸£ í¸½ ¬¸ˆÅ÷¸¸ í¾. œÏ¢÷¸ ©¸½¡¸£ ›¡¸»›¸úˆ¼Å÷¸ ‚¸Ä›¸ ˆÅú Š¸µ¸›¸¸ ˆÅ£-œ¸ä¸¸÷¸Ã ¢›¸¨¸¥¸ ¥¸¸ž¸ ˆÅ¸½ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆÅú ž¸¸¢£÷¸ ‚¸¾¬¸÷¸
¬¸¿‰¡¸¸ ‚¸¾£ ¤¸ˆÅ¸¡¸¸ ›¡¸»›¸úˆ¼Å÷¸ ¬¸¿ž¸¸¨¡¸ ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆÅú ¬¸¿‰¡¸¸ ˆ½Å ¸¸½”õ ¬¸½ ž¸¸Š¸ ™½ˆÅ£ ˆÅú ¸¸÷¸ú í¾.
Diluted Earnings per Share reflect the potential dilution that could occur if securities or other contracts to issue equity shares
were exercised or converted during the period. Diluted Earnings per Share is computed by dividing the net profit after tax by the
sum of the weighted average number of equity shares and dilutive potential equity shares outstanding during the year.

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Schedules to the Consolidated Financial Statements

18 ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ ݸ¬¸ / Impairment of Assets

‚. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
A. In case of IDBI Bank Limited
¸¤¸ ž¸ú ¢ˆÅ¬¸ú ‹¸’›¸¸ ‚˜¸¨¸¸ œ¸¢£¦¬˜¸¢÷¸¡¸¸Ê Ÿ¸Ê íº‡ œ¸¢£¨¸÷¸Ä›¸ ƒ¬¸ ¤¸¸÷¸ ˆÅ¸ ¬¸¿ˆ½Å÷¸ ™½÷¸½ íÿ ¢ˆÅ ¢ˆÅ¬¸ú ‚¸¦¬÷¸ ˆÅú £‰¸¸¨¸-£¸¢©¸ ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ ›¸íú¿ í¾ ÷¸¸½ ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸Ê
ˆ½Å ݸ¬¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅú ¸¸÷¸ú í¾. š¸¸¢£÷¸ ÷¸˜¸¸ „œ¸¡¸¸½Š¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¨¸¬¸»¥¸ú ®¸Ÿ¸÷¸¸ ˆÅ¸ ‚¸ˆÅ¥¸›¸ ‚›¸ºŸ¸¸¢›¸÷¸ ¸¸¥¸» ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ Ÿ¸»¥¡¸ ‚¸¾£ „œ¸¡¸¸½Š¸
Ÿ¸»¥¡¸ ˆÅú ÷¸º¥¸›¸¸ ‚¸¦¬÷¸ ˆÅú £‰¸¸¨¸ £¸¢©¸ ¬¸½ ˆÅú ¸¸÷¸ú í¾. ¡¸¢™ ‡½¬¸ú ‚¸¦¬÷¸¡¸¸¿ ݸ¢¬¸÷¸ Ÿ¸¸›¸ú Š¸ƒÄ í¸Ê ÷¸¸½ ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ‡ ¸¸›¸½¨¸¸¥¸½ ݸ¬¸ ˆÅ¸½ „¬¸ ‚¸¦¬÷¸ ˆÅú ™¸Ä ¥¸¸Š¸÷¸
¬¸½ „¬¸ˆ½Å ¸¸¥¸» ‚›¸ºŸ¸¸¢›¸÷¸ ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ Ÿ¸»¥¡¸ ‚˜¸¨¸¸ „œ¸¡¸¸½Š¸ Ÿ¸»¥¡¸ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê ‚¸¢š¸Æ¡¸ ¬¸½ Ÿ¸¸œ¸¸ ¸¸÷¸¸ í¾. ™¸¨¸¸Ê ˆ½Å ¢›¸œ¸’¸›¸ Ÿ¸Ê ‚¢¸Ä÷¸ Š¸¾£-¤¸ÿ¢ˆ¿ÅŠ¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅú
ݸ¬¸ ˆ½Å ¢¥¸‡ ¬¸Ÿ¸ú®¸¸ ÷¸ž¸ú ˆÅú ¸¸÷¸ú í¾ ¸¤¸ ݸ¬¸ ˆ½Å ¬¸¿ˆ½Å÷¸ ¬œ¸«’ í¸Ê.
Fixed Assets are reviewed for impairment whenever events or changes in circumstances warrant that the carrying amount of
an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying
amount of an asset to the estimated current realizable value and value in use. If such assets are considered to be impaired, the
impairment to be recognized is measured by the amount by which the carrying amount of the asset exceeds estimated current
realizable value of the asset or value in use. Non-banking assets acquired in settlement of claims are reviewed for impairment
only when the indications of impairment are evident.

‚¸. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ƒ¿’½ˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

B. In case of IDBI Intech Limited
œÏ¤¸¿š¸›¸ ¤¸¸í£ú ‚¸¾£ ‚¸¿÷¸¢£ˆÅ 踸½÷¸¸Ê ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£÷¸½ íº‡ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ£÷¸¸ í¾ ¢ˆÅ Æ¡¸¸ ˆÅ¸½ƒÄ ¬¸¿ˆ½Å÷¸ í¾ ¢ˆÅ ‡ˆÅ ‚¸¦¬÷¸ ݸ¢¬¸÷¸ í¸½ ¬¸ˆÅ÷¸ú í¾. ݸ¢¬¸÷¸
í¸¢›¸ ˆÅ¸½ ÷¸¤¸ ™©¸¸Ä¡¸¸ ¸¸÷¸ú í¾ ¸¤¸ ¢ˆÅ¬¸ú ‚¸¦¬÷¸ ˆÅ¸ ¨¸í›¸ Ÿ¸»¥¡¸ ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ £¸¢©¸ ¬¸½ ‚¢š¸ˆÅ í¸½ ¸¸÷¸¸ í¾. ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ £¸¢©¸ ‚¸¦¬÷¸ ˆ½Å ¢›¸¨¸¥¸ ¢¤¸ÇÅú Ÿ¸»¥¡¸ ‚¸¾£
„œ¸¡¸¸½Š¸ Ÿ¸Ê Ÿ¸»¥¡¸ ¬¸½ ‚¢š¸ˆÅ í¾, ¢¸¬¸ˆÅ¸ ‚˜¸Ä í¾ ¢ˆÅ ž¸¢¨¸«¡¸ ˆ½Å ›¸ˆÅ™ú œÏ¨¸¸í ˆÅ¸ ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ ‚¸¦¬÷¸ ˆ½Å ¢›¸£¿÷¸£ „œ¸¡¸¸½Š¸ ‚¸¾£ ƒ¬¸ˆ½Å ‚¿¢÷¸Ÿ¸ ¢›¸œ¸’¸›¸ ¬¸½ „÷œ¸››¸ í¸½›¸½
ˆÅú „ŸŸ¸ú™ í¾.
The Management periodically assesses, using external and internal sources whether there is an indication that an asset may
be impaired. An impairment loss is recognised where ever the carrying value of an asset exceeds the recoverable amount. The
recoverable amount is the higher of asset's net selling price and value in use, which means the present value of the future cash
flows expected to arise from the continuing use of the asset and its eventual disposal.

‡ˆÅ ‚¸¦¬÷¸ ˆÅú ݸ¢¬¸÷¸ í¸¢›¸ ˆÅ¸½ ˆ½Å¨¸¥¸ „¬¸ ¦¬˜¸¢÷¸ Ÿ¸Ê ¢£¨¸¬¸Ä ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ¡¸í ¢£¨¸¬¸Ä¥¸ ݸ¢¬¸÷¸ í¸¢›¸ ˆÅú œ¸í¸¸›¸ ˆ½Å ¤¸¸™ ‹¸¢’÷¸ ‹¸’›¸¸ ¬¸½ ÷¸’¬˜¸ ³Åœ¸ ¬¸½
¬¸¿¤¸Ö í¸½. ‡ˆÅ ‚¸¦¬÷¸ ˆÅú ‚¸Š¸½ ¥¸½ ¸¸ƒÄ ¸¸›¸½ ¨¸¸¥¸ú £¸¢©¸ ˆÅ¸½ „¬¸ˆÅú ¬¸¿©¸¸½¢š¸÷¸ ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ £¸¢©¸ ÷¸ˆÅ ¤¸õ¸ ¢™¡¸¸ ¸¸÷¸¸ í¾, ¤¸©¸÷¸½Ä ¢ˆÅ ¡¸í £¸¢©¸ ‚¸Š¸½ ¥¸½ ¸¸›¸½
¨¸¸¥¸ú ¢›¸š¸¸Ä¢£÷¸ £¸¢©¸ ¬¸½ ‚¢š¸ˆÅ ›¸ í¸½ (¢ˆÅ¬¸ú ¬¸¿¢¸÷¸ œ¸¢£©¸¸½š¸›¸ ¡¸¸ Ÿ¸»¥¡¸Ý¸¬¸ ˆÅ¸½ ‹¸’¸ˆÅ£) ÷¸˜¸¸ ¢œ¸Ž¥¸½ ¨¸«¸¸½ô Ÿ¸Ê ‚¸¦¬÷¸ ˆ½Å ¢¥¸‡ ˆÅ¸½ƒÄ ݸ¢¬¸÷¸ í¸¢›¸ ˆÅú œ¸í¸¸›¸ ›¸íú¿
ˆÅú Š¸ƒÄ ˜¸ú.
An impairment loss for an asset is reversed if, and only if, the reversal can be related objectively to an event occurring after the
impairment loss was recognized. The carrying amount of an asset is increased to its revised recoverable amount, provided that
this amount does not exceed the carrying amount that would have been determined (net of any accumulated amortization or
depreciation) had no impairment loss been recognised for the asset in prior years.

ƒ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄΓ¸ ‡¿” ¢¬¸Æ¡¸º¢£’ú¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

C. In case of IDBI Capital Markets & Securities Limited
i. ¡¸í ¢›¸š¸¸Ä¢£÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¢ˆÅ Æ¡¸¸ ݸ¬¸ ˆÅ¸ ˆÅ¸½ƒÄ ¬¸¿ˆ½Å÷¸ í¾, œÏ÷¡¸½ˆÅ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ‚ŠÏµ¸ú÷¸ £¸¢©¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅú ¸¸÷¸ú í¾. ¡¸¢™
‡½¬¸¸ ˆÅ¸½ƒÄ ¬¸¿ˆ½Å÷¸ Ÿ¸¸¾¸»™ í¾, ÷¸¸½ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ £¸¢©¸ ˆÅ¸ ‚›¸ºŸ¸¸›¸ ¥¸Š¸¸¡¸¸ ¸¸÷¸¸ í¾.
The carrying amount of assets, is reviewed at each balance sheet date to determine whether there is any indication of
impairment. If any such indication exists, recoverable amount of the assets is estimated.

ii. ¸¤¸ ž¸ú ¢ˆÅ¬¸ú ‚¸¦¬÷¸ ¡¸¸ „¬¸ˆÅú ›¸ˆÅ™ „÷œ¸¸™›¸ ƒˆÅ¸ƒÄ ˆÅú ‚ŠÏµ¸ú÷¸ £¸¢©¸ „¬¸ˆÅú ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ £¸¢©¸ ¬¸½ ‚¢š¸ˆÅ í¸½ ¸¸÷¸ú í¾, ÷¸¤¸ ݸ¢¬¸÷¸ í¸¢›¸ ˆÅú œ¸í¸¸›¸
ˆÅú ¸¸÷¸ú í¾. ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ £¸¢©¸ ‚¸¦¬÷¸ ˆ½Å ¢›¸¨¸¥¸ ¢¤¸ÇÅú Ÿ¸»¥¡¸ ‚¸¾£ „œ¸¡¸¸½Š¸ Ÿ¸Ê Ÿ¸»¥¡¸ ¬¸½ ‚¢š¸ˆÅ í¾, ¸¸½ „›¸ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸¸Ê œ¸£ ¤¸’Ã’¸ˆ¼Å÷¸ ‚›¸ºŸ¸¸¢›¸÷¸ ž¸¸¨¸ú
›¸ˆÅ™ú œÏ¨¸¸í ˆ½Å ‚¸š¸¸£ œ¸£ ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¬¸ž¸ú ݸ¢¬¸÷¸ í¸¢›¸¡¸¸Ê ˆÅ¸½ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
An Impairment loss is recognized whenever the carrying amount of an asset or its cash generating unit exceeds its
recoverable amount. The recoverable amount is the greater of the asset’s net selling price and value in the use, which
is determined, based on the estimated future cash flows discounted to their present values. All impairment losses are
recognized in the profit and loss account.

dm{f©H$ [anmoQ>© Annual Report 2023-24 509

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

iii. ¡¸¢™ ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ £¸¢©¸ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ „œ¸¡¸¸½Š¸ ¢ˆÅ‡ Š¸‡ ‚›¸ºŸ¸¸›¸¸Ê Ÿ¸Ê ˆÅ¸½ƒÄ œ¸¢£¨¸÷¸Ä›¸ í¸½÷¸¸ í¾ ÷¸¸½ ݸ¢¬¸÷¸ í¸¢›¸ ˆÅ¸½ ¢£¬¸¨¸Ä ˆÅ£ ¢™¡¸¸ ¸¸÷¸¸ í¾
‚¸¾£ ƒ¬¸½ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾.
An impairment loss is reversed if there is a change in the estimates used to determine the recoverable amount and is
recognized in the profit and loss account.

ƒÄ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‡Ÿ¸‡ûÅ ’﬒ú ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

D. In case of IDBI MF Trustee Company Limited
‡ˆÅ ‚¸¦¬÷¸ ˆÅ¸½ ‚¸¦¬÷¸¡¸¸½¿ ˆ½Å ݸ¬¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ 28 ˆ½Å ‚›¸º¬¸¸£ ÷¸¤¸ ݸ¢¬¸÷¸ Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾, ¸¤¸ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ݸ¬¸ ˆ½Å ¬¸¿ˆ½Å÷¸ í¸½÷¸½ íÿ ‚¸¾£
‚¸¦¬÷¸ ˆÅú ¨¸í›¸ £¸¢©¸ ¡¸¸ ¸í¸¿ ›¸ˆÅ™ú œ¸¾™¸ ˆÅ£›¸½ ¨¸¸¥¸ú ƒˆÅ¸ƒÄ ¢¸¬¸¬¸½ ‚¸¦¬÷¸ ¬¸¿¤¸¿¢š¸÷¸ í¸½÷¸ú í¾, „¬¸ˆÅú ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ £¸¢©¸ (‚˜¸¸Ä÷¸ ‚¸¦¬÷¸ ˆ½Å ¢›¸¨¸¥¸ ¢¤¸ÇÅú Ÿ¸»¥¡¸
‚¸¾£ œÏ¡¸ºÆ÷¸ Ÿ¸»¥¡¸ Ÿ¸Ê ¬¸½ ¸¸½ ‚¢š¸ˆÅ í¸½) ¬¸½ ‚¢š¸ˆÅ £¸¢©¸ í¸½÷¸ú í¾. ¨¸í›¸ £¸¢©¸ ˆÅ¸½ ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ £¸¢©¸ ÷¸ˆÅ ‹¸’¸ ¢™¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ˆÅŸ¸ú ˆÅ¸½ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ˆ½Å
¢¨¸¨¸£µ¸ Ÿ¸Ê ݸ¢¬¸÷¸ í¸¢›¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
An asset is considered as impaired in accordance with Accounting Standard 28 on Impairment of Assets when at the balance
sheet date there are indications of impairment and the carrying amount of asset, or where applicable the cash generating unit
to which the asset belongs, exceeds its recoverable amount (i.e. the higher of the asset’s net selling price and value in use). The
carrying amount is reduced to the recoverable amount and the reduction is recognized as an impairment loss in the Statement
of Profit and Loss.

¸¤¸ ¡¸í ¬¸¿ˆ½Å÷¸ ¢Ÿ¸¥¸÷¸¸ í¾ ¢ˆÅ œ¸í¥¸½ ˆÅú ¥¸½‰¸¸ ‚¨¸¢š¸ Ÿ¸Ê ¢ˆÅ¬¸ú ‚¸¦¬÷¸ (œ¸º›¸Ÿ¸»Ä¥¡¸¸¿ˆÅ›¸ ‚¸¦¬÷¸ ˆ½Å ‚¥¸¸¨¸¸) ˆ½Å ¢¥¸‡ Ÿ¸¸›¸ú Š¸ƒÄ ݸ¢¬¸÷¸ í¸¢›¸ Ÿ¸¸¾¸»™ ›¸íú¿ í¾ ¡¸¸ ˆÅŸ¸
í¸½ ¬¸ˆÅ÷¸ú í¾, ÷¸¸½ ݸ¢¬¸÷¸ í¸¢›¸ ˆ½Å ƒ¬¸ ÷¸£í ˆ½Å ¢£¨¸¬¸Ä¥¸ ˆÅ¸½ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ˆ½Å ¢¨¸¨¸£µ¸ Ÿ¸Ê „¬¸ ¬¸úŸ¸¸ ÷¸ˆÅ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾, ¢¸÷¸›¸ú £¸¢©¸ œ¸í¥¸½ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ˆ½Å
¢¨¸¨¸£µ¸ ˆ½Å ¢¥¸‡ œÏž¸¸¢£÷¸ ˆÅú Š¸ƒÄ ˜¸ú. œ¸º›¸Ÿ¸»Ä¥¡¸¸¿¢ˆÅ÷¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ‡½¬¸½ ¢£¨¸¬¸Ä¥¸ ˆÅ¸½ Ÿ¸¸›¡¸÷¸¸ ›¸íú¿ ™ú ¸¸÷¸ú í¾.
When there is indication that an impairment loss recognized for an asset (other than a revalued asset) in earlier accounting
periods no longer exists or may have decreased, such reversal of impairment loss is recognized in the Statement of Profit and
Loss, to the extent the amount was previously charged to the Statement of Profit and Loss. In case of revalued assets such
reversal is not recognized.

„. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¬¸½’ Ÿ¸¾›¸½¸Ÿ¸½¿’ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

E. In case of IDBI Asset Management Limited
ˆ¿Åœ¸›¸ú œÏ÷¡¸½ˆÅ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ¡¸í ‚¸ˆÅ¥¸›¸ ˆÅ£÷¸ú í¾ ¢ˆÅ Æ¡¸¸ ˆÅ¸½ƒÄ ¬¸¿ˆ½Å÷¸ í¾ ¢ˆÅ ‚¸¦¬÷¸ ݸ¢¬¸÷¸ í¸½ ¬¸ˆÅ÷¸ú í¾. ¡¸¢™ ‡½¬¸¸ ˆÅ¸½ƒÄ ¬¸¿ˆ½Å÷¸ Ÿ¸¸¾¸»™ í¾, ÷¸¸½ ˆ¿Åœ¸›¸ú
‚¸¦¬÷¸ ˆÅú ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ £¸¢©¸ ˆÅ¸ ‚›¸ºŸ¸¸›¸ ¥¸Š¸¸÷¸ú í¾. ¡¸¢™ ‡½¬¸½ ‚¸¦¬÷¸ ˆÅú ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ £¸¢©¸ ƒ¬¸ˆ½Å ¨¸í›¸ £¸¢©¸ ¬¸½ ˆÅŸ¸ í¾ ÷¸¸½ ¨¸í›¸ £¸¢©¸ ˆÅ¸½ ƒ¬¸ˆ½Å ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸
£¸¢©¸ ÷¸ˆÅ ‹¸’¸ ¢™¡¸¸ ¸¸÷¸¸ í¾. ˆÅŸ¸ú ˆÅ¸½ ݸ¢¬¸÷¸ í¸¢›¸ Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾ ÷¸˜¸¸ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ˆ½Å ¢¨¸¨¸£µ¸ ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾. ¡¸¢™ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ¡¸í ¬¸¿ˆ½Å÷¸
¢Ÿ¸¥¸÷¸¸ í¾ ¢ˆÅ œ¸»¨¸Ä Ÿ¸Ê Ÿ¸»¥¡¸¸¿¢ˆÅ÷¸ ݸ¢¬¸÷¸ í¸¢›¸ Ÿ¸¸¾¸»™ ›¸íú¿ í¾ ÷¸¸½ ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ £¸¢©¸ ˆÅ¸½ œ¸º›¸Ÿ¸»Ä¥¡¸¸¿ˆÅ›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ‚¸¦¬÷¸ ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ £¸¢©¸ œ¸£ ‚¢š¸ˆÅ÷¸Ÿ¸
‚¨¸®¸¡¸ú œ¸£¿œ¸£¸Š¸÷¸ ¥¸¸Š¸÷¸ ˆ½Å ‚š¸ú›¸ œ¸¢£¥¸¢®¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ݸ¬¸ ˆ½Å ¤¸¸™, Ÿ¸»¥¡¸Ý¸¬¸ ‚¸¢¬÷¸ ˆÅú ©¸½«¸ „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ œ¸£ ¬¸¿©¸¸½¢š¸÷¸ ¨¸í›¸ £¸¢©¸ œ¸£ œÏ™¸›¸
¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
The Company assesses at each Balance sheet date whether there is any indication that an asset may be impaired. If any such
indication exists, the Company estimates the recoverable amount of the asset. If such recoverable amount of the asset is less
than its carrying amount, the carrying amount is reduced to its recoverable amount. The reduction is treated as an impairment
loss and is recognized in the profit and loss account. If at the balance sheet date there is an indication that a previously assessed
impairment loss no longer exists, the recoverable amount is reassessed and the asset is reflected at the recoverable amount
subject to a maximum of depreciable historical cost. After impairment, depreciation is provided on the revised carrying amount
of the asset over its remaining useful life.

„. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’﬒ú¢©¸œ¸ ¬¸¢¨¸Ä¬¸½¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸½¿

F. In case of IDBI Trusteeship Services Limited
‚¸¿÷¸¢£ˆÅ/¤¸¸à¸ ˆÅ¸£ˆÅ¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ݸ¬¸ ˆ½Å ¢¥¸‡ œÏ÷¡¸½ˆÅ ÷¸º¥¸›¸-œ¸°¸ ˆÅú ÷¸¸£ú‰¸ œ¸£ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¨¸í›¸ £¸¢©¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅú ¸¸÷¸ú í¾. ¢ˆÅ¬¸ú ‚¸¦¬÷¸ ˆÅ¸½ ÷¸¤¸
ݸ¢¬¸÷¸ Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ‚¸¦¬÷¸ ˆÅú ¨¸í›¸ ¥¸¸Š¸÷¸ „¬¸ˆ½Å ¨¸¬¸»¥¸ú ¡¸¸½Š¡¸ Ÿ¸»¥¡¸ ¬¸½ ‚¢š¸ˆÅ í¸½ ¸¸÷¸ú í¾. ݸ¢¬¸÷¸ í¸¢›¸, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆÅ¸½ „¬¸ ¨¸«¸Ä ˆ½Å ¥¸¸ž¸ ‚¸¾£ í¸¢›¸
‰¸¸÷¸½ Ÿ¸Ê ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾ ¢¸¬¸Ÿ¸Ê ‚¸¦¬÷¸ ˆÅú œ¸í¸¸›¸ ݸ¬¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ˆÅú ¸¸÷¸ú í¾. ¢œ¸Ž¥¸½ ¨¸«¸¸½ô Ÿ¸Ê œ¸í¸¸›¸ú Š¸ƒÄ í¸¢¬¸÷¸ ݸ¢›¸ ˆÅ¸ ¢£¨¸¬¸Ä¥¸ ÷¸¤¸ ¢£ˆÅ¸Á”Ä ¢ˆÅ¡¸¸ ¸¸÷¸¸
í¾ ¸¤¸ ¡¸í ¬¸¿ˆ½Å÷¸ ¢Ÿ¸¥¸÷¸¸ í¾ ¢ˆÅ ‚¸¦¬÷¸¡¸¸½¿ ˆ½Å ¢¥¸‡ ݸ¢¬¸÷¸ ݸ¢›¸ ‚¤¸ Ÿ¸¸¾¸»™ ›¸íú¿ í¾ ¡¸¸ ˆÅŸ¸ í¸½ Š¸ƒÄ íÿ.
The carrying amounts of the assets are reviewed at each Balance Sheet date for impairment based on internal / external factors.
An asset is treated as impaired when the carrying cost of the asset exceed its recoverable value. An impairment loss, if any, is

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Schedules to the Consolidated Financial Statements

charged to Profit and Loss Account in the year in which an asset is identified as impaired. Reversal of impairment loss recognised
in prior years is recorded when there is an indication that the impairment losses recognised for the assets no longer exists or has
decreased.

19 œÏ¸¨¸š¸¸›¸, ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‡¿ ‚¸¾£ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ‚¸¦¬÷¸¡¸¸¿

Provisions, Contingent Liabilities and Contingent Assets

‚. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

A. In case of IDBI Bank Limited
i. ‡‡¬¸ 29 ˆ½Å ‚›¸º³Åœ¸ œÏ¸¨¸š¸¸›¸¸Ê, ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‚¸Ê ‚¸¾£ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê, ¤¸ÿˆÅ ׸£¸ ˆÅ¸½ƒÄ œÏ¸¨¸š¸¸›¸ ÷¸ž¸ú ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ¢œ¸Ž¥¸½
¢ˆÅ¬¸ú ¬¸¿¨¡¸¨¸í¸£ ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ ˆÅ¸½ƒÄ ¨¸÷¸ÄŸ¸¸›¸ ™½¡¸÷¸¸ ¤¸›¸÷¸ú í¸½ ‚¸¾£ ƒ¬¸ ¤¸¸÷¸ ˆÅú ¬¸¿ž¸¸¨¸›¸¸ í¸½ ¢ˆÅ „Æ÷¸ ™¸¢¡¸÷¨¸ ˆ½Å ¢›¸œ¸’¸›¸ ˆ½Å ¢¥¸‡ ‚¸¢˜¸ÄˆÅ ¥¸¸ž¸¸Ê
¬¸¢í÷¸ ¬¸¿¬¸¸š¸›¸¸Ê ˆ½Å ¤¸¢í¨¸¸Äí ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ í¸½Š¸ú ‚¸¾£ ¢¸¬¸ˆ½Å ¢¥¸‡ ™¸¢¡¸÷¨¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê ¢¨¸æ¸¬¸›¸ú¡¸ ‚›¸ºŸ¸¸›¸ ¥¸Š¸¸¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾.
In conformity with AS 29, Provisions, Contingent Liabilities and Contingent Assets, the Bank recognizes provisions only
when it has a present obligation as a result of a past event, it is probable that an outflow of resources embodying
economic benefits will be required to settle the obligation, and when a reliable estimate of the amount of the obligation
can be made.

ii. œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸½ „›¸ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ œ¸£ ¤¸’Ã’¸ˆ¼Å÷¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸ ‚¸¾£ „›¸ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ÷¸º¥¸›¸œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ™½¡¸÷¸¸ ˆ½Å ¢›¸œ¸’¸›¸ ˆ½Å ¢¥¸‡ ‚œ¸½¢®¸÷¸
¬¸¨¸¸½Ä¸ ‚›¸ºŸ¸¸›¸ ˆ½Å ‚¸š¸¸£ œ¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Provisions are not discounted to its present value and are determined based on best estimate required to settle the
obligation at the balance sheet date.

iii. ¢ˆÅ¬¸ú œÏ¸¨¸š¸¸›¸ ˆ½Å ¢›¸œ¸’¸›¸ ˆ½Å ¢¥¸‡ ‚œ¸½¢®¸÷¸ ¨¡¸¡¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¬¸¿ž¸¸¢¨¸÷¸ œÏ¢÷¸œ¸»¢÷¸Ä ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ÷¸ž¸ú ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ¡¸í ¨¸¸¬÷¸¢¨¸ˆÅ ³Åœ¸ ¬¸½ ¬¸º¢›¸¢ä¸÷¸ í¸½
¢ˆÅ ƒ¬¸ˆÅú œÏ¢÷¸œ¸»¢÷¸Ä œÏ¸œ÷¸ í¸½ ¸¸‡Š¸ú.
Reimbursement expected in respect of expenditure required to settle a provision is recognized only when it is virtually
certain that the reimbursement will be received.

iv. ‚¸ˆÅ¦¬Ÿ¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ ›¸ ÷¸¸½ ¢›¸š¸¸Ä£µ¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ›¸ íú ƒ›¸ˆÅ¸ œÏˆÅ’›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Contingent Assets are neither recognized nor disclosed.

v. ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸ ˆÅ¸ œÏˆÅ’›¸ ÷¸¤¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸À / A disclosure of contingent liability is made when there is:
• ¬¸¿ž¸¸¨¡¸ ™¸¢¡¸÷¨¸ í¸½ ¢¸¬¸ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¬¸¿¬¸¸š¸›¸¸Ê ˆ½Å ¤¸¢í¨¸¸Äí ˆÅú ¬¸¿ž¸¸¨¸›¸¸ ¤¸íº÷¸ ˆÅŸ¸ ›¸ í¸½À
a possible obligation in respect of which the likelihood of outflow of resources is not remote; or

• ¢œ¸Ž¥¸ú ‹¸’›¸¸ ¬¸½ „÷œ¸››¸ ¨¸÷¸ÄŸ¸¸›¸ ™¸¢¡¸÷¨¸ ¢¸¬¸½ Ÿ¸¸›¡¸÷¸¸ ›¸íú¿ ™ú Š¸ƒÄ í¾ Æ¡¸¸Ê¢ˆÅ ¡¸í ¬¸¿ž¸¸¨¡¸ ›¸íú¿ í¾ ¢ˆÅ ™¸¢¡¸÷¨¸ ˆÅ¸½ ¢›¸œ¸’¸›¸½ ˆ½Å ¢¥¸‡ ¬¸¿¬¸¸š¸›¸¸Ê ˆ½Å
¤¸¢í¨¸¸Äí ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ í¸½Š¸ú ¡¸¸ ™¸¢¡¸÷¨¸ ˆÅú £¸¢©¸ ˆÅ¸ ¢¨¸æ¸¬¸›¸ú¡¸ ‚›¸ºŸ¸¸›¸ ›¸íú¿ ¥¸Š¸¸¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾.
a present obligation arising from a past event which is not recognized as it is not probable that an outflow of
resources will be required to settle the obligation or a reliable estimate of the amount of the obligation cannot be
made.

• ¸¤¸ ˆÅ¸½ƒÄ ¬¸¿ž¸¸¨¡¸ ™¸¢¡¸÷¨¸ ¡¸¸ ¨¸÷¸ÄŸ¸¸›¸ ™¸¢¡¸÷¨¸ í¸½ ¢¸¬¸ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¬¸¿¬¸¸š¸›¸¸Ê ˆ½Å ¤¸¢í¨¸¸Äí ˆÅú ¬¸¿ž¸¸¨¸›¸¸ ¤¸íº÷¸ ˆÅŸ¸ í¸½, ÷¸¸½ ˆÅ¸½ƒÄ œÏ¸¨¸š¸¸›¸ ¡¸¸
œÏˆÅ’úˆÅ£µ¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
When there is a possible obligation or a present obligation in respect of which the likelihood of outflow of resources
is remote, no provision or disclosure is made.

‚¸. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄΓ¸ ‡¿” ¢¬¸Æ¡¸º¢£’ú¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
B. In case of IDBI Capital Markets & Securities Limited
œÏ¸¨¸š¸¸›¸
Provisions

i. œÏ¸¨¸š¸¸›¸ ˆÅ¸½ ÷¸¤¸ Ÿ¸¸›¡¸÷¸¸ ™ú ¸¸÷¸ú í¾ ¸¤¸ ¢œ¸Ž¥¸ú ‹¸’›¸¸ ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ ¨¸÷¸ÄŸ¸¸›¸ ™¸¢¡¸÷¨¸ í¸½÷¸¸ í¾. ¡¸í ¬¸¿ž¸¨¸ í¾ ¢ˆÅ ™¸¢¡¸÷¨¸ ˆÅ¸½ ¢›¸œ¸’¸›¸½ ˆ½Å ¢¥¸‡
¬¸¿¬¸¸š¸›¸¸Ê ˆ½Å ¤¸¢í¨¸¸Äí ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ í¸½Š¸ú ‚¸¾£ ¢¸¬¸ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‡ˆÅ ¢¨¸æ¸¬¸›¸ú¡¸ ‚›¸ºŸ¸¸›¸ ¥¸Š¸¸¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾. ƒ›¸ˆÅú ¬¸Ÿ¸ú®¸¸ œÏ÷¡¸½ˆÅ ÷¸º¥¸›¸ œ¸°¸ ˆÅú
÷¸¸£ú‰¸ ˆÅ¸½ ˆÅú ¸¸÷¸ú í¾ ‚¸¾£ ¨¸÷¸ÄŸ¸¸›¸ ¬¸¨¸¸½Ä¸ ‚›¸ºŸ¸¸›¸¸Ê ˆÅ¸½ ™©¸¸Ä›¸½ ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸¡¸¸½¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.

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Schedules to the Consolidated Financial Statements

A provision is recognized when there is a present obligation as a result of past event. It is probable that an outflow of
resources will be required to settle the obligation and in respect of which a reliable estimate can be made. These are
reviewed at each balance sheet date and adjusted to reflect the current best estimates.

ii. ‡ˆÅ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸ ˆÅ¸ œÏˆÅ’úˆÅ£µ¸ ÷¸¤¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ‡ˆÅ ¬¸¿ž¸¸¢¨¸÷¸ ™¸¢¡¸÷¨¸ í¸½ ¡¸¸ ‡ˆÅ ‡½¬¸¸ ¨¸÷¸ÄŸ¸¸›¸ ™¸¢¡¸÷¨¸ í¸½ ¢¸¬¸ˆ½Å ¢¥¸‡ ¬¸¿¬¸¸š¸›¸¸Ê ˆ½Å
¤¸¢í¨¸¸Äí ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ í¸½ ¡¸¸ ¬¸¿ž¸¨¸÷¸À ›¸ ž¸ú í¸½. ¸¤¸ ˆÅ¸½ƒÄ ¬¸¿ž¸¸¢¨¸÷¸ ™¸¢¡¸÷¨¸ ¡¸¸ ¨¸÷¸ÄŸ¸¸›¸ ™¸¢¡¸÷¨¸ í¸½÷¸¸ í¾ ¢¸¬¸ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¬¸¿¬¸¸š¸›¸¸Ê ˆ½Å ¤¸¢í¨¸¸Äí ˆÅú
¬¸¿ž¸¸¨¸›¸¸ ˆÅŸ¸ í¸½÷¸ú í¾, ÷¸¸½ ˆÅ¸½ƒÄ œÏ¸¨¸š¸¸›¸ ¡¸¸ œÏˆÅ’úˆÅ£µ¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‚¸ˆÅ¦¬Ÿ¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆÅú œ¸í¸¸›¸ ›¸íú¿ ˆÅú ¸¸÷¸ú í¾.
A disclosure for a contingent liability is made when there is a possible obligation or a present obligation that may, but
probably will not, require an outflow of resources. When there is a possible obligation or a present obligation in respect
of which the likelihood of outflow of resources is remote, no provision or disclosure is made. Contingent Assets are not
recognized.

iii. ¬¸ž¸ú ¤¸ˆÅ¸¡¸¸ †µ¸¸Ê ˆÅú Ÿ¸¸Ÿ¸¥¸¸-™£-Ÿ¸¸Ÿ¸¥¸¸ ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸½ ˆ½Å ¤¸¸™ ‚©¸¸½š¡¸ ‚¸¾£ ¬¸¿¢™Šš¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅú œ¸í¸¸›¸ ˆÅú ¸¸÷¸ú í¾. ¬¸¿¢™Šš¸ †µ¸¸Ê ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸
œÏ¤¸¿š¸›¸ ׸£¸ „›¸ˆÅú ¨¸¬¸»¥¸ú-¡¸¸½Š¡¸÷¸¸ ˆ½Å Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ‚¸š¸¸£ œ¸£ ¢ˆÅ‡ ¸¸÷¸½ íÿ. ¡¸¢™ ¢ˆÅ¬¸ú ž¸ú ¬¸¿¢™Šš¸ †µ¸ Ÿ¸Ê ¨¸¬¸»¥¸ú ˆÅú ¬¸¿ž¸¸¨¸›¸¸ Ÿ¸¸¾¸»™ ›¸íú¿ í¾, ÷¸¸½ „¬¸½
œ¸»£ú ÷¸£í ¬¸½ ¤¸’Ã’½ ‰¸¸÷¸½ Ÿ¸Ê ”¸¥¸ ¢™¡¸¸ ¸¸÷¸¸ í¾.
Bad and doubtful assets are identified after carrying out a case by case review of all outstanding debts. Provisions are
made on doubtful debts on management’s evaluation of their realisability. In case the chances of recovery do not exist in
any of the doubtful debts, the same is written off fully.

ƒ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‡¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

C. In case of IDBI Asset Management Limited
ˆ¿Åœ¸›¸ú „¬¸ ¦¬˜¸¢÷¸ Ÿ¸Ê œÏ¸¨¸š¸¸›¸ ¬¸¼¢¸÷¸ ˆÅ£÷¸ú í¾ ¸¤¸ ¢œ¸Ž¥¸ú ‹¸’›¸¸ ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ ¨¸÷¸ÄŸ¸¸›¸ ™¸¢¡¸÷¨¸ í¸½÷¸¸ í¾ ¢¸¬¸ˆ½Å ¢¥¸‡ ¬¸¿¬¸¸š¸›¸¸Ê ˆ½Å ¤¸¢í¨¸¸Äí ˆÅú ¬¸¿ž¸¸¨¸›¸¸ í¸½
‚¸¾£ ™¸¢¡¸÷¨¸ ˆÅú Ÿ¸¸°¸¸ ˆÅ¸ ‡ˆÅ ¢¨¸æ¸¬¸›¸ú¡¸ ‚›¸ºŸ¸¸›¸ ¥¸Š¸¸¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾. ‡ˆÅ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸ ˆ½Å ¢¥¸‡ œÏˆÅ’úˆÅ£µ¸ ÷¸¤¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ‡ˆÅ ¬¸¿ž¸¸¢¨¸÷¸ ™¸¢¡¸÷¨¸
¡¸¸ ‡ˆÅ ¨¸÷¸ÄŸ¸¸›¸ ™¸¢¡¸÷¨¸ í¸½÷¸¸ í¾ ¢¸¬¸ˆ½Å ¢¥¸‡ ¬¸¿¬¸¸š¸›¸¸Ê ˆ½Å ¤¸¢í¨¸¸Äí ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ í¸½ ž¸ú ¬¸ˆÅ÷¸ú í¾ ‚¸¾£ ›¸íú¿ ž¸ú. ¸¤¸ ˆÅ¸½ƒÄ ¬¸¿ž¸¸¢¨¸÷¸ ™¸¢¡¸÷¨¸ ¡¸¸ ¨¸÷¸ÄŸ¸¸›¸ ™¸¢¡¸÷¨¸
í¸½÷¸¸ í¾ ¢¸¬¸ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¬¸¿¬¸¸š¸›¸¸Ê ˆ½Å ¤¸¢í¨¸¸Äí ˆÅú ¬¸¿ž¸¸¨¸›¸¸ ¤¸íº÷¸ ˆÅŸ¸ í¸½÷¸ú í¾, ÷¸¸½ ˆÅ¸½ƒÄ œÏ¸¨¸š¸¸›¸ ¡¸¸ œÏˆÅ’úˆÅ£µ¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
The Company creates a provision when there is a present obligation as a result of a past event that probably requires an outflow
of resources and a reliable estimate can be made of the amount of the obligation. A disclosure for a contingent liability is made
when there is a possible obligation or a present obligation that may, but probably will not, require an outflow of resources. When
there is a possible obligation or a present obligation in respect of which the likelihood of outflow of resources is remote, no
provision or disclosure is made.

œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸½ „›¸ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ ¬¸½ ¤¸’Ã’¸ˆ¼Å÷¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ™¸¢¡¸÷¨¸ ˆÅ¸½ ¢›¸œ¸’¸›¸½ ˆ½Å ¢¥¸‡ „›íÊ ‚¸¨¸©¡¸ˆÅ ¬¸¨¸¸½Ä¸ ‚›¸ºŸ¸¸›¸
ˆ½Å ‚¸š¸¸£ œ¸£ ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Provisions are not discounted to their present value and are determined based on the best estimate required to settle the
obligation at the Balance Sheet date.

œÏ¸¨¸š¸¸›¸¸Ê ˆÅú œÏ÷¡¸½ˆÅ ÷¸º¥¸›¸ œ¸°¸ œ¸£ ¬¸Ÿ¸ú®¸¸ ˆÅú ¸¸÷¸ú í¾ ‚¸¾£ ¨¸÷¸ÄŸ¸¸›¸ ¬¸¨¸¸½Ä¸ ‚›¸ºŸ¸¸›¸ ˆÅ¸½ ™©¸¸Ä›¸½ ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸¡¸¸½¢¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¡¸¢™ ¡¸í ¬¸¿ž¸¸¨¸›¸¸ ›¸íú¿ í¸½
¢ˆÅ ™¸¢¡¸÷¨¸¸Ê ˆÅ¸½ ¢›¸œ¸’¸›¸½ ˆ½Å ¢¥¸‡ ¬¸¿¬¸¸š¸›¸¸Ê ˆ½Å ¤¸¢í¨¸¸Äí ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ í¸½Š¸ú, ÷¸¸½ œÏ¸¨¸š¸¸›¸ ˆÅ¸½ ¢£¨¸¬¸Ä ˆÅ£ ¢™¡¸¸ ¸¸÷¸¸ í¾.
Provisions are reviewed at each balance sheet and adjusted to reflect the current best estimate. If it is no longer probable that
the outflow of resources would be required to settle the obligation, the provision is reversed.

‚¸ˆÅ¦¬Ÿ¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ›¸íì ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾. í¸¥¸¸¿¢ˆÅ, ‚¸ˆÅ¦¬Ÿ¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ ¥¸Š¸¸÷¸¸£ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ¡¸¢™ ‚¸ž¸¸«¸ú ³Åœ¸
¬¸½ ¡¸í ¢›¸¢ä¸÷¸ í¸½ ¢ˆÅ ‡ˆÅ ‚¸¢˜¸ÄˆÅ ¥¸¸ž¸ „÷œ¸››¸ í¸½Š¸¸, ÷¸¸½ ‚¸¦¬÷¸ ‚¸¾£ ¬¸¿¤¸¿¢š¸÷¸ ‚¸¡¸ ˆÅ¸½ „¬¸ ‚¨¸¢š¸ Ÿ¸Ê Ÿ¸¸›¡¸÷¸¸ ™ú ¸¸÷¸ú í¾ ¢¸¬¸Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ íº‚¸ ˜¸¸.
Contingent assets are not recognized in the financial statements. However, contingent assets are assessed continually and if
it is virtually certain that an economic benefit will arise, the asset and related income are recognized in the period in which the
change occurred.

ƒÄ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ƒ¿’½ˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

D. In case of IDBI Intech Limited
‡ˆÅ œÏ¸¨¸š¸¸›¸ ˆÅ¸½ ÷¸¤¸ Ÿ¸¸›¡¸÷¸¸ ™ú ¸¸÷¸ú í¾ ¸¤¸ ¢œ¸Ž¥¸½ ¢ˆÅ¬¸ú ¬¸¿¨¡¸¨¸í¸£ ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ ˆ¿Åœ¸›¸ú ˆÅú ˆÅ¸½ƒÄ ¨¸÷¸ÄŸ¸¸›¸ ™½¡¸÷¸¸ ¤¸›¸÷¸ú í¸½ ‚¸¾£ ¸¸½ ÷¸ˆÄŬ¸¿Š¸÷¸ ³Åœ¸ ¬¸½
‚›¸ºŸ¸¸¢›¸÷¸ í¸½ ÷¸˜¸¸ ƒ¬¸ ¤¸¸÷¸ ˆÅú ¬¸¿ž¸¸¨¸›¸¸ í¸½ ¢ˆÅ ¢£œ¸¸½¢’ôŠ¸ ÷¸¸£ú‰¸ ÷¸ˆÅ „Æ÷¸ ™¸¢¡¸÷¨¸ ˆ½Å ¢›¸œ¸’¸›¸ ˆ½Å ¢¥¸‡ ‚¸¢˜¸ÄˆÅ ¥¸¸ž¸¸Ê ˆ½Å ¤¸¢í¨¸¸Äí ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ í¸½Š¸ú. ¸í¸¿
¢¨¸æ¸¬¸›¸ú¡¸ ‚›¸ºŸ¸¸›¸ ›¸íú¿ ¥¸Š¸¸¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ ¨¸í¸¿ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™¸¢¡¸÷¨¸ ˆ½Å ³Åœ¸ Ÿ¸Ê œÏˆÅ’úˆÅ£µ¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‚¸Ê ˆÅ¸½ Ÿ¸¸›¡¸÷¸¸ ›¸íú¿ ™ú ¸¸÷¸ú í¾ ¢ˆ¿Å÷¸º

512 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

ƒ¬¸½ ¢’œœ¸¢µ¸¡¸¸Ê Ÿ¸Ê œÏˆÅ’ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‡ˆÅ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™¸¢¡¸÷¨¸ ˆ½Å ¢¥¸‡ œÏˆÅ’úˆÅ£µ¸ ÷¸¤¸ ž¸ú ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ‡ˆÅ ¬¸¿ž¸¸¢¨¸÷¸ ™¸¢¡¸÷¨¸ í¸½ ¡¸¸ ‡ˆÅ ‡½¬¸¸ ¨¸÷¸ÄŸ¸¸›¸
™¸¢¡¸÷¨¸ í¸½ ¢¸¬¸ˆ½Å ¢¥¸‡ ¬¸¿¬¸¸š¸›¸¸Ê ˆ½Å ¤¸¢í¨¸¸Äí ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ í¸½ ¡¸¸ ¬¸¿ž¸¨¸÷¸À ›¸ ž¸ú í¸½. ¸¤¸ ˆÅ¸½ƒÄ ¬¸¿ž¸¸¢¨¸÷¸ ™¸¢¡¸÷¨¸ ¡¸¸ ¨¸÷¸ÄŸ¸¸›¸ ™¸¢¡¸÷¨¸ í¸½÷¸¸ í¾ ¢¸¬¸ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê
¬¸¿¬¸¸š¸›¸¸Ê ˆ½Å ¤¸¢í¨¸¸Äí ˆÅú ¬¸¿ž¸¸¨¸›¸¸ ˆÅŸ¸ í¸½÷¸ú í¾, ÷¸¸½ ˆÅ¸½ƒÄ œÏ¸¨¸š¸¸›¸ ¡¸¸ œÏˆÅ’úˆÅ£µ¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
A provision is recognised if, as a result of past event, the company has a present legal obligation that is reasonably estimable
and it is probable that an outflow of economic benefits required to settle the obligation at the reporting date. Where no reliable
estimate can be made, a disclosure is made as contingent liability. Contingent liabilities are not recognised but disclosed in the
notes. A disclosure for a contingent liability is also made when there is a possible obligation or a present obligation that may, but
probably will not, require an outflow of resources. Where there is a possible obligation or a present obligation in respect of which
the likelihood of outflow of resources is remote, no provision or disclosure is made.

„. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’﬒ú¢©¸œ¸ ¬¸¢¨¸Ä¬¸½{¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

E. In case of IDBI Trusteeship Services Limited
Ÿ¸¸œ¸ Ÿ¸Ê ‚›¸ºŸ¸¸¢›¸÷¸ œ¸¡¸¸Äœ÷¸ Ÿ¸¸°¸¸ ¨¸¸¥¸½ œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸½ ÷¸¤¸ Ÿ¸¸›¡¸÷¸¸ ™ú ¸¸÷¸ú í¾ ¸¤¸ ¢œ¸Ž¥¸ú ‹¸’›¸¸‚¸Ê ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ ¨¸÷¸ÄŸ¸¸›¸ ™¸¢¡¸÷¨¸ í¸½÷¸¸ í¾ ‚¸¾£ ¡¸í ¬¸¿ž¸¸¨¸›¸¸
í¾ ¢ˆÅ ™¸¢¡¸÷¨¸ ˆÅ¸½ ¢›¸œ¸’¸›¸½ ˆ½Å ¢¥¸‡ ¬¸¿¬¸¸š¸›¸¸Ê ˆ½Å ¤¸¢í¨¸¸Äí ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ í¸½Š¸ú. ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‚¸Ê ˆÅ¸½ ™©¸¸Ä¡¸¸ ›¸íì ¸¸÷¸¸ í¾ ¢ˆ¿Å÷¸º ƒ¬¸½ ¢’œœ¸¢µ¸¡¸¸Ê Ÿ¸Ê œÏˆÅ’ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾. ‚¸ˆÅ¦¬Ÿ¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ›¸ ÷¸¸½ Ÿ¸¸›¡¸÷¸¸ ™ú ¸¸÷¸ú í¾ ‚¸¾£ ›¸ íú ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê œÏˆÅ’ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Provisions involving substantial degree of estimation in measurement are recognised when there is a present obligation as a
result of past events and it is probable that an outflow of resources will be required to settle the obligation. Contingent liabilities
are not recognised, but are disclosed in the notes. Contingent assets are neither recognised nor disclosed in the financial
statements

…. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ Ÿ¡¸»¸º‚¥¸ ûö¿Å” ’﬒ú ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

F. In case of IDBI Mutual Fund Trustee Co. Ltd
ˆ¿Åœ¸›¸ú „¬¸ ¦¬˜¸¢÷¸ Ÿ¸Ê œÏ¸¨¸š¸¸›¸ ¬¸¼¢¸÷¸ ˆÅ£÷¸ú í¾ ¸¤¸ ¢œ¸Ž¥¸ú ‹¸’›¸¸ ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ ¨¸÷¸ÄŸ¸¸›¸ ™¸¢¡¸÷¨¸ í¸½÷¸¸ í¾ ¢¸¬¸ˆ½Å ¢¥¸‡ ¬¸¿¬¸¸š¸›¸¸Ê ˆ½Å ¤¸¢í¨¸¸Äí ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸
í¸½÷¸ú í¾ ‚¸¾£ ™¸¢¡¸÷¨¸ ˆÅú Ÿ¸¸°¸¸ ˆÅ¸ ‡ˆÅ ¢¨¸æ¸¬¸›¸ú¡¸ ‚›¸ºŸ¸¸›¸ ¥¸Š¸¸¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾. ‡ˆÅ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™¸¢¡¸÷¨¸ ˆ½Å ¢¥¸‡ œÏˆÅ’úˆÅ£µ¸ ÷¸¤¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ‡ˆÅ
¬¸¿ž¸¸¢¨¸÷¸ ™¸¢¡¸÷¨¸ ¡¸¸ ‡ˆÅ ¨¸÷¸ÄŸ¸¸›¸ ™¸¢¡¸÷¨¸ í¸½÷¸¸ í¾ ¢¸¬¸ˆ½Å ¢¥¸‡ ¬¸¿¬¸¸š¸›¸¸Ê ˆ½Å ¤¸¢í¨¸¸Äí ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ í¸½ ž¸ú ¬¸ˆÅ÷¸ú í¾ ‚¸¾£ ›¸íú¿ ž¸ú. ¸¤¸ ˆÅ¸½ƒÄ ¬¸¿ž¸¸¢¨¸÷¸ ™¸¢¡¸÷¨¸
¡¸¸ ¨¸÷¸ÄŸ¸¸›¸ ™¸¢¡¸÷¨¸ í¸½÷¸¸ í¾ ¢¸¬¸ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¬¸¿¬¸¸š¸›¸¸Ê ˆ½Å ¤¸¢í¨¸¸Äí ˆÅú ¬¸¿ž¸¸¨¸›¸¸ ¤¸íº÷¸ ˆÅŸ¸ í¸½÷¸ú í¾, ÷¸¸½ ˆÅ¸½ƒÄ œÏ¸¨¸š¸¸›¸ ¡¸¸ œÏˆÅ’úˆÅ£µ¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
The Company creates a provision when there is a present obligation as a result of a past event that probably requires an outflow
of resources and a reliable estimate can be made of the amount of the obligation. A disclosure for a contingent liability is made
when there is a possible obligation or a present obligation that may, but probably will not, require an outflow of resources. When
there is a possible obligation or a present obligation in respect of which the likelihood of outflow of resources is remote, no
provision or disclosure is made.

œÏ¸¨¸š¸¸›¸¸Ê ˆÅú œÏ÷¡¸½ˆÅ ÷¸º¥¸›¸ œ¸°¸ œ¸£ ¬¸Ÿ¸ú®¸¸ ˆÅú ¸¸÷¸ú í¾ ‚¸¾£ ¨¸÷¸ÄŸ¸¸›¸ ¬¸¨¸¸½Ä¸ ‚›¸ºŸ¸¸›¸ ˆÅ¸½ ™©¸¸Ä›¸½ ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸¡¸¸½¢¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¡¸¢™ ¡¸í ¬¸¿ž¸¸¨¸›¸¸ ›¸íú¿ í¸½
¢ˆÅ ™¸¢¡¸÷¨¸¸Ê ˆÅ¸½ ¢›¸œ¸’¸›¸½ ˆ½Å ¢¥¸‡ ¬¸¿¬¸¸š¸›¸¸Ê ˆ½Å ¤¸¢í¨¸¸Äí ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ í¸½Š¸ú, ÷¸¸½ œÏ¸¨¸š¸¸›¸ ˆÅ¸½ ¢£¨¸¬¸Ä ˆÅ£ ¢™¡¸¸ ¸¸÷¸¸ í¾.
Provisions are reviewed at each balance sheet and adjusted to reflect the current best estimate. If it is no longer probable that:
the outflow of resources would be required to settle the obligation, the provision is reversed.

‚¸ˆÅ¦¬Ÿ¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê Ÿ¸¸›¡¸÷¸¸ ›¸íú¿ ™ú ¸¸÷¸ú í¾. í¸¥¸¸¿¢ˆÅ, ‚¸ˆÅ¦¬Ÿ¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ ¥¸Š¸¸÷¸¸£ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ¡¸¢™ ‚¸ž¸¸«¸ú
³Åœ¸ ¬¸½ ¡¸í ¢›¸¢ä¸÷¸ í¸½ ¢ˆÅ ‚¸¢˜¸ÄˆÅ ¥¸¸ž¸ „÷œ¸››¸ í¸½Š¸¸, ÷¸¸½ ‚¸¦¬÷¸ ‚¸¾£ ¬¸¿¤¸¿¢š¸÷¸ ‚¸¡¸ ˆÅ¸½ „¬¸ ‚¨¸¢š¸ Ÿ¸Ê Ÿ¸¸›¡¸÷¸¸ ™ú ¸¸÷¸ú í¾ ¢¸¬¸Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ íº‚¸ í¸½.
Contingent assets are not recognized in the financial statements. However, contingent assets are assessed continually and if
it is virtually certain that an economic benefit will arise, the asset and related income are recognized in the period in which the
change occurs.

20 ¥¸¸ž¸¸¿©¸ ˆÅ¸ ¥¸½‰¸¸¿ˆÅ›¸ / Accounting for Dividend

¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ (‡‡¬¸) 4 ``÷¸º¥¸›¸œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆ½Å ¤¸¸™ í¸½›¸½ ¨¸¸¥¸ú ‚¸ˆÅ¦¬Ÿ¸ˆÅ÷¸¸‡¿ ‡¨¸¿ ‹¸’›¸¸‡¿'' ˆ½Å ‚›¸º¬¸¸£, ¤¸ÿˆÅ œÏ¬÷¸¸¢¨¸÷¸ ¥¸¸ž¸¸¿©¸ ¡¸¸ ÷¸º¥¸›¸œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆ½Å ¤¸¸™
‹¸¸½¢«¸÷¸ ¥¸¸ž¸¸¿©¸ ˆÅ¸½ ¸¸¥¸» ¨¸«¸Ä ˆ½Å ÷¸º¥¸›¸œ¸°¸ Ÿ¸Ê ¥¸¸ž¸-í¸¢›¸ ‰¸¸÷¸½ ¬¸½ ¢¨¸¢›¸¡¸¸½¸›¸ ˆ½Å ¸¢£¡¸½ ™½¡¸÷¸¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ›¸íú¿ ¢™‰¸¸÷¸¸ í¾. ƒ¬¸½ ¥¸½‰¸¸Ê œ¸£ ¢’œœ¸¢µ¸¡¸¸Ê Ÿ¸Ê œÏˆÅ’ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
ƒ¬¸½ ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆ½Å ‚›¸ºŸ¸¸½™›¸ ¨¸¸¥¸½ ¨¸«¸Ä Ÿ¸Ê ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾. ÷¸˜¸¸¢œ¸, ¤¸ÿˆÅ œ¸»¿¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ‚›¸ºœ¸¸÷¸ ˆÅú Š¸µ¸›¸¸ ˆ½Å ¢¥¸‡ œ¸»¿¸ú ¢›¸¢š¸¡¸¸Ê ˆ½Å ¢›¸š¸¸Ä£µ¸ Ÿ¸Ê œÏ¬÷¸¸¢¨¸÷¸ ¥¸¸ž¸¸¿©¸ ˆÅ¸½
¢í¬¸¸¤¸ Ÿ¸Ê ¥¸½÷¸¸ í¾.
In terms of Accounting Standard (AS) 4 “Contingencies and Events occurring after the Balance sheet date” the Bank does not account
for proposed dividend or Dividend declared after balance sheet date as a liability through appropriation from profit and loss account in
current year balance sheet. This is disclosed in the notes to accounts. The same is recognized in the year of approval of shareholders.
However, the Bank reckons proposed dividend in determining capital funds in computing the capital adequacy ratio.

dm{f©H$ [anmoQ>© Annual Report 2023-24 513

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

21 ‚Ÿ¸»÷¸Ä ‚¸¦¬÷¸¡¸¸¿ / Intangible assets

‚. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‡Ÿ¸‡ûÅ ’﬒ú ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
A. In case of IDBI MF Trustee Company Limited
‚Ÿ¸»÷¸Ä ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ‚¢š¸ŠÏíµ¸ ˆÅú ¥¸¸Š¸÷¸ Ÿ¸Ê ¬¸¿¢¸÷¸ œ¸¢£©¸¸½š¸›¸ ‚¸¾£ ݸ¢¬¸÷¸ í¸¢›¸¡¸¸Ê ˆÅ¸½ ‹¸’¸›¸½ ˆ½Å ¤¸¸™ ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾. ‚Ÿ¸»÷¸Ä ‚¸¦¬÷¸ ˆÅ¸½ „¬¸ ¦¬˜¸¢÷¸ Ÿ¸Ê ™©¸¸Ä¡¸¸
¸¸÷¸¸ í¾, ¸¤¸ ¡¸í ¬¸¿ž¸¸¨¸›¸¸ í¸½ ¢ˆÅ ‚¸¦¬÷¸ ˆ½Å ˆÅ¸£µ¸ ž¸¢¨¸«¡¸ ˆ½Å ‚¸¢˜¸ÄˆÅ ¥¸¸ž¸ „Ô¸Ÿ¸ ˆÅ¸½ œÏ¨¸¸¢í÷¸ í¸ÊŠ¸½ ‚¸¾£ ¸¤¸ ƒ¬¸ˆÅú ¥¸¸Š¸÷¸ ˆÅ¸½ ¢¨¸æ¸¬¸›¸ú¡¸ ³Åœ¸ ¬¸½ ‚¸¿ˆÅ¸ ¸¸
¬¸ˆÅ÷¸¸ í¾. ‚Ÿ¸»÷¸Ä ‚¸¦¬÷¸¡¸¸Ê ˆÅú œ¸¢£©¸¸½š¸›¸ ¡¸¸½Š¡¸ £¸¢©¸ ˆÅ¸½ „¬¸ˆ½Å „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ ˆ½Å ¬¸¨¸¸½Ä¸ ‚›¸ºŸ¸¸›¸ œ¸£ ¬¸úš¸ú £½‰¸¸ ‚¸š¸¸£ œ¸£ ‚¸¤¸¿¢’÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Intangible Assets are stated at cost of acquisition less accumulated amortization and impairment losses, an intangible asset is
recognized, where it is probable that the future economic benefits attributable to the asset will flow to the enterprise and where
its cost can be reliably measured. The amortizable amount of intangible assets is allocated over the best estimate of its useful
life on a straight-line basis

‚¸. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄΓ¸ ‡¿” ¢¬¸Æ¡¸º¢£’ú¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
B. In case of IDBI Capital Markets & Securities Limited
‚¢š¸ŠÏíú÷¸ ˆ¿Åœ¡¸»’£ ¬¸¸ÁÉ’¨¸½¡¸£ ¥¸¸ƒ¬¸Ê¬¸ ©¸º³ Ÿ¸Ê „¬¸ ¥¸¸Š¸÷¸ œ¸£ œ¸»¿¸úˆ¼Å÷¸ ¢ˆÅ¡¸½ ¸¸÷¸½ íÿ, ¢¸¬¸Ÿ¸Ê ‰¸£ú™ Ÿ¸»¥¡¸ (¢ˆÅ¬¸ú Ž»’ ‚¸¾£ ¤¸Ø½ ˆÅ¸½ ‹¸’¸ˆÅ£) ÷¸˜¸¸ ‚¸¢¬÷¸ ˆÅ¸½
ƒ¬¸ˆ½Å ƒ¦Ž÷¸ „œ¸¡¸¸½Š¸ ˆ½Å ¢¥¸‡ ÷¸¾¡¸¸£ ˆÅ£›¸½ ˆÅú ‚›¡¸ ¬¸úš¸ú ¥¸¸Š¸÷¸ ©¸¸¢Ÿ¸¥¸ í¸½÷¸ú í¾. ˆ¿Åœ¡¸»’£ ¬¸¸ÁÉ’¨¸½¡¸£ ˆ½Å œÏ™©¸Ä›¸ ˆÅ¸½ ƒ¬¸ˆ½Å ¢¨¸¢›¸™½Ä©¸¸Ê ¬¸½ ¤¸½í÷¸£ ˆÅ£›¸½, ¢¸¬¸½
¢¨¸æ¸¬¸›¸ú¡¸ ³Åœ¸ ¬¸½ Ÿ¸¸œ¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾, œ¸£ ¢ˆÅ‡ Š¸‡ œÏ÷¡¸®¸ ¨¡¸¡¸ ˆÅ¸½ ¬¸¸ÁÉ’¨¸½¡¸£ ˆÅú Ÿ¸»¥¸ ¥¸¸Š¸÷¸ Ÿ¸Ê ¸¸½”õ¸ ¸¸÷¸¸ í¾. ˆ¿Åœ¡¸»’£ ¬¸¸ÁÉ’¨¸½¡¸£ £‰¸›¸½ ¬¸½ ¸º”õú ¥¸¸Š¸÷¸¸Ê ˆÅ¸½
‰¸¸Ä ˆ½Å ³Åœ¸ Ÿ¸Ê ÷¸¤¸ ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ‰¸¸Ä ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Acquired computer software licenses are initially capitalised at cost, which includes the purchase price (net of any discounts
and rebates) and other directly attributable cost of preparing the asset for its intended use. Direct expenditure which enhances
or extends the performance of computer software beyond its specifications and which can be reliably measured, is added to
the original cost of the software. Costs associated with maintaining the computer software are recognised as an expense when
incurred.

œ¸»¿¸úˆÅ£µ¸ ˆ½Å ¢¥¸‡ œ¸¸°¸ ¬¸¸ÁÉ’¨¸½¡¸£ ¢¨¸ˆÅ¸¬¸ œ¸£ ¨¡¸¡¸ ˆÅ¸½ ¢¨¸ˆÅ¸¬¸¸š¸ú›¸ ‚Ÿ¸»÷¸Ä ‚¸¦¬÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾ ¸í¸¿ ‡½¬¸ú ‚¸¦¬÷¸¡¸¸¿ ‚ž¸ú ÷¸ˆÅ „›¸ˆ½Å ƒ¦Ž÷¸ „œ¸¡¸¸½Š¸
ˆ½Å ¢¥¸‡ ÷¸¾¡¸¸£ ›¸íú¿ íÿ.
Expenditure on software development eligible for capitalisation are carried as Intangible assets under development where such
assets are not yet ready for their intended use.

‚Ÿ¸»÷¸Ä ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ „›¸ˆ½Å ‚›¸ºŸ¸¸¢›¸÷¸ „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ œ¸£ ¬¸úš¸ú £½‰¸¸ ‚¸š¸¸£ œ¸£ œ¸¢£©¸¸½¢š¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. œ¸¢£©¸¸½š¸›¸ ˆ½Å ¢¥¸‡ œÏ¡¸ºÆ÷¸ ‚Ÿ¸»÷¸Ä ‚¸¦¬÷¸¡¸¸Ê ˆ½Å
‚›¸ºŸ¸¸¢›¸÷¸ „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿÀ
Intangible assets are amortized on a straight line basis over their estimated useful lives. The estimated useful lives of intangible
assets used for amortization are:

ˆ¿Åœ¡¸»’£ ¬¸¸ÁÉ’¨¸½¡¸£ -3 ¨¸«¸Ä / Computer Software -3 years

¨¸½¤¸ ’ï½¢”¿Š¸ œ¸¸½’Ä¥¸ - 3 ¨¸«¸Ä / Web Trading Portal – 3 years
¤¸¸ÁŸ¤¸½ ¬’¸ÁˆÅ ‡Æ¬¸¸Ê¸ ˆÅ¸”Ä - 21 ¨¸«¸Ä / Bombay Stock Exchange Card – 21 years
œÏ¤¸¿š¸›¸ „œ¸¡¸¸½Š¸ Ÿ¸Ê Ÿ¸»¥¡¸ ˆ½Å ‚¸š¸¸£ œ¸£ ¤¸¿¤¸ƒÄ ©¸½¡¸£ ¤¸¸{¸¸£ ’ï½¢”¿Š¸ ‚¢š¸ˆÅ¸£ ˆ½Å ‚¸¢˜¸ÄˆÅ Ÿ¸»¥¡¸ ˆÅ¸ ‚›¸ºŸ¸¸›¸ ¥¸Š¸¸÷¸¸ í¾.
Management estimates the economic value of Bombay Stock Exchange Trading Rights based on the value in use.

‚¢š¸ŠÏíµ¸ ˆ½Å ¨¸«¸Ä Ÿ¸Ê ` 5,000 ¬¸½ ˆÅŸ¸ ˆ½Å ‡ˆÅ¥¸ Ÿ¸»¥¡¸ ¨¸¸¥¸ú ¬¸ž¸ú ‚Ÿ¸»÷¸Ä ‚¸¦¬÷¸¡¸¸Ê ‚¸¾£ ¬¸¢ÇÅ¡¸ „œ¸¡¸¸½Š¸ ¬¸½ ¤¸¸í£ ˆÅ£ ™ú Š¸ƒÄ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ œ¸»µ¸Ä÷¸À Ÿ¸»¥¡¸Ý¸¢¬¸÷¸
¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
All Intangible Assets having individual value of less than ` 5,000, in the year of acquisition and assets retired from active use are
fully depreciated.

ƒ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ƒ¿’½ˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

C. In case of IDBI Intech Limited
¬¸¸ÁÉ’¨¸½¡¸£ ¸¾¬¸ú ‚Ÿ¸»÷¸Ä ‚¸¦¬÷¸¡¸¸Ê, ¢¸¬¸ œ¸£ ˆ¿Åœ¸›¸ú ˆ½Å œ¸¸¬¸ Ÿ¸¸¢¥¸ˆÅ¸›¸¸ ‚¢š¸ˆÅ¸£ ¸¸£ú £í÷¸¸ í¾, ˆÅ¸½ ¥¸¸Š¸÷¸ œ¸£ œ¸»¿¸úˆ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‚›¸º¬¸¿š¸¸›¸ ¥¸¸Š¸÷¸ ¨¡¸¡¸
ˆ½Å ³Åœ¸ Ÿ¸Ê ‰¸¸Ä ˆÅú ¸¸÷¸ú í¾. ¬¸¸ÁÉö’¨¸½¡¸£ „÷œ¸¸™ ¢¨¸ˆÅ¸¬¸ ¥¸¸Š¸÷¸¸Ê ˆÅ¸½ ÷¸¤¸ ÷¸ˆÅ ¨¡¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ‰¸¸Ä ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ÷¸ˆÅ ¢ˆÅ œ¸¢£¡¸¸½¸›¸¸ ˆÅú ÷¸ˆÅ›¸úˆÅú ‚¸¾£
¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ ¨¡¸¨¸í¸¡¸Ä÷¸¸ ˆÅ¸ œÏ™©¸Ä›¸ ›¸ í¸½, ž¸¢¨¸«¡¸ ˆ½Å ‚¸¢˜¸ÄˆÅ ¥¸¸ž¸ ¬¸¿ž¸¸¢¨¸÷¸ ›¸ í¸Ê, ˆ¿Åœ¸›¸ú ˆ½Å œ¸¸¬¸ ¬¸¸ÁÉö’¨¸½¡¸£ ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ ‚¸¾£ „œ¸¡¸¸½Š¸ ˆÅ£›¸½ ¡¸¸ ¤¸½¸›¸½ ˆÅ¸

514 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

ƒ£¸™¸ ‚¸¾£ ®¸Ÿ¸÷¸¸ ›¸ í¸½ ‚¸¾£ ¥¸¸Š¸÷¸¸Ê ˆÅ¸½ ¢¨¸æ¸¬¸›¸ú¡¸÷¸¸ ¬¸½ Ÿ¸¸œ¸¸ ›¸ ¸¸ ¬¸ˆÅ÷¸¸ í¸½. ¢¸›¸ ¥¸¸Š¸÷¸¸Ê ˆÅ¸½ œ¸»¿¸úˆ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾, „›¸Ÿ¸Ê ¬¸¸Ÿ¸ŠÏú ˆÅú ¥¸¸Š¸÷¸, œÏ÷¡¸®¸
Ÿ¸¸›¸¨¸-©¸¢Æ÷¸ ‚¸¾£ „œ¸¢£ ¥¸¸Š¸÷¸ ©¸¸¢Ÿ¸¥¸ íÿ ¸¸½ ‚¸¢¬÷¸ ˆÅ¸½ „¬¸ˆ½Å ƒ¦Ž÷¸ „œ¸¡¸¸½Š¸ ˆ½Å ¢¥¸‡ ÷¸¾¡¸¸£ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¬¸úš¸½ ¢¸ŸŸ¸½™¸£ íÿ.
The intangible assets like software’s, on which propriety rights continue with the company, are capitalized at costs. Research
costs are expensed as incurred. Software product development costs are expensed as incurred unless technical and commercial
feasibility of the project is demonstrated, future economic benefits are probable, the Company has an intention and ability to
complete and use or sell the software, and the costs can be measured reliably. The costs which can be capitalized include the
cost of material, direct man-power and overhead costs that are directly attributable to preparing the asset for its intended use.

ƒ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’﬒ú¢©¸œ¸ ¬¸¢¨¸Ä¬¸½{¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

D. In case of IDBI Trusteeship Services Limited
¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ ‡‡¬¸-26 ˆ½Å ‚›¸º¬¸¸£, ‚Ÿ¸»÷¸Ä ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ‚¢š¸ŠÏíµ¸ ˆÅú ¥¸¸Š¸÷¸ Ÿ¸Ê ¬¸¿¢¸÷¸ œ¸¢£©¸¸½š¸›¸ ˆÅ¸½ ‹¸’¸›¸½ ˆ½Å ¤¸¸™ ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾. ‚Ÿ¸»÷¸Ä ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸
œ¸¢£©¸¸½š¸›¸ ‚¸¦¬÷¸ ˆ½Å ‚›¸ºŸ¸¸¢›¸÷¸ „œ¸¡¸¸½Š¸ú ¸ú¨¸›¸ˆÅ¸¥¸ ˆ½Å ‚¸š¸¸£ œ¸£ ‚¨¸¢¥¸¢‰¸÷¸ Ÿ¸»¥¡¸ œ¸Ö¢÷¸ œ¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
In accordance with accounting standard AS-26, Intangible assets are stated at cost of acquisition less accumulated amortization.
Amortization of Intangible assets is provided on written down value method on the basis of estimated useful life of the asset.

ƒÄ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¬¸½’ Ÿ¸¾›¸½¸Ÿ¸½¿’ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸½¿

E. In case of IDBI Asset Management Limited
‚Ÿ¸»÷¸Ä ‚¸¦¬÷¸¡¸¸Ê ˆÅú œ¸í¸¸›¸ ¥¸¸Š¸÷¸ œ¸£ „¬¸ ¨¸«¸Ä ˆÅú ¸¸÷¸ú í¾ ¸¤¸ ƒ¬¸½ „œ¸¡¸¸½Š¸ Ÿ¸Ê ¥¸¸¡¸¸ ¸¸÷¸¸ í¾. ‚Ÿ¸»÷¸Ä ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ¬¸¿¢¸÷¸ œ¸¢£©¸¸½š¸›¸ ‚¸¾£ ݸ¢¬¸÷¸ í¸¢›¸, ¡¸¢™
ˆÅ¸½ƒÄ í¸½, ˆÅ¸½ ‹¸’¸ˆÅ£ ¥¸¸Š¸÷¸ œ¸£ ¢™‰¸¸¡¸¸ ¸¸÷¸¸ í¾.
InIntangible assets are recognised in the year it is put to use at cost. Intangible assets are carried at cost less accumulated
amortization and impairment loss, if any.

22 „š¸¸£ ¥¸½›¸½ ˆÅú ¥¸¸Š¸÷¸ / Borrowing Costs

‚¸. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‡Ÿ¸‡ûÅ ’﬒ú ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
A. In case of IDBI MF Trustee Company Limited
„š¸¸£ ¥¸¸Š¸÷¸¸Ê ˆ½Å ¤¸¸£½ Ÿ¸Ê ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ 16 Ÿ¸Ê ¡¸˜¸¸ œ¸¢£ž¸¸¢«¸÷¸ ‚íĈŸ£ú ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ‚¢š¸ŠÏíµ¸ ¡¸¸ ¢›¸Ÿ¸¸Äµ¸ ˆ½Å ¢¥¸‡ „š¸¸£ ¥¸½›¸½ ˆÅú ¥¸¸Š¸÷¸ ˆÅ¸½ ‚¸¦¬÷¸ ˆÅú ¥¸¸Š¸÷¸
ˆ½Å ¢í¬¬¸½ ˆ½Å ³Åœ¸ Ÿ¸Ê „¬¸ ÷¸¸£ú‰¸ ÷¸ˆÅ œ¸»¿¸úˆ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢¸¬¸ ÷¸¸£ú‰¸ ˆÅ¸½ ‚¸¦¬÷¸ ‚œ¸›¸½ ƒ¦Ž÷¸ „œ¸¡¸¸½Š¸ ˆ½Å ¢¥¸‡ ÷¸¾¡¸¸£ í¸½÷¸ú í¾. ‚›¡¸ „š¸¸£ ¥¸¸Š¸÷¸¸Ê ˆÅ¸½ „¬¸
‚¨¸¢š¸ Ÿ¸Ê ¨¡¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê Ÿ¸¸›¡¸÷¸¸ ™ú ¸¸÷¸ú í¾ ¢¸¬¸Ÿ¸Ê ¨¸½ ‰¸¸Ä ˆÅú ¸¸÷¸ú íÿ..
Borrowing costs that are attributable to the acquisition or construction of qualifying assets, as defined in Accounting Standard
16 on Borrowing Costs, are capitalized as part of the cost of the asset up to the date when the asset is ready for its intended
use. Other borrowing costs are recognized as an expense in the period in which they are incurred.

‚¸. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ƒ¿’½ˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

B. In case of IDBI Intech Limited
‚íĈŸ£ú ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ‚¢š¸ŠÏíµ¸ ¡¸¸ ¢›¸Ÿ¸¸Äµ¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ „š¸¸£ ˆÅú ¥¸¸Š¸÷¸¸Ê ˆÅ¸½ ‡½¬¸ú ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¥¸¸Š¸÷¸ ˆ½Å ž¸¸Š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê œ¸»¿¸úˆ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‚íĈŸ£ú
‚¸¦¬÷¸ ¨¸í í¾ ¸¸½ ‚œ¸›¸½ ƒ¦Ž÷¸ „œ¸¡¸¸½Š¸ ¡¸¸ ¢¤¸ÇÅú ˆ½Å ¢¥¸‡ ÷¸¾¡¸¸£ í¸½›¸½ ˆ½Å ¢¥¸‡ ‚¸¨¸©¡¸ˆÅ ³Åœ¸ ¬¸½ œ¸¡¸¸Äœ÷¸ ¬¸Ÿ¸¡¸ ¥¸½÷¸ú í¾. ‚›¡¸ ¬¸ž¸ú „š¸¸£ ¥¸¸Š¸÷¸Ê £¸¸¬¨¸ ˆ½Å ³Åœ¸
Ÿ¸Ê œÏž¸¸¢£÷¸ ˆÅú ¸¸÷¸ú íÿ.
Borrowing costs attributable to the acquisition or construction of qualifying assets are capitalised as part of the cost of such
assets. A qualifying asset is one that necessarily takes a substantial period of time to get ready for its intended use or sale. All
other borrowing costs are charged to revenue.

ƒ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¬¸½’ Ÿ¸¾›¸¸Ÿ¸½¿’ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

C. In case of IDBI Asset Management Limited
‚íĈŸ£ú ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ‚¢š¸ŠÏíµ¸ ¡¸¸ ¢›¸Ÿ¸¸Äµ¸ ¬¸½ ¬¸¿¤¸¢š¸÷¸ „š¸¸£ ¥¸¸Š¸÷¸ ˆÅ¸½ ¸¤¸ ÷¸ˆÅ ‡½¬¸ú ‚¸¦¬÷¸¡¸¸¿ ‚ž¸ú«’ „œ¸¡¸¸½Š¸ ˆ½Å ¢¥¸‡ ÷¸¾¡¸¸£ í¸½÷¸ú í¾ ÷¸¤¸ ÷¸ˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆÅú
¥¸¸Š¸÷¸ ˆ½Å ž¸¸Š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê œ¸»¿¸úˆ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‚›¡¸ ¬¸ž¸ú „š¸¸£ ¥¸¸Š¸÷¸¸Ê ˆÅ¸ ¨¡¸¡¸ „¬¸ ‚¨¸¢š¸ Ÿ¸Ê ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾, ¢¸¬¸Ÿ¸Ê ¨¸½ í¸½÷¸ú íÿ.
Borrowing costs attributable to the acquisition or construction of qualifying assets, till the time such assets are ready for intended
use are capitalised as part of cost of Assets. All other borrowing cost are expensed in the period they occur.

dm{f©H$ [anmoQ>© Annual Report 2023-24 515

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

ƒÄ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄΓ¸ ‡¿” ¢¬¸Æ¡¸º¢£’ú¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
D. In case of IDBI Capital Markets and Securities Limited
„š¸¸£ ¥¸¸Š¸÷¸ Ÿ¸Ê ¤¡¸¸¸ ©¸¸¢Ÿ¸¥¸ í¾. ¤¡¸¸¸ ¨¡¸¡¸ ¤¸ˆÅ¸¡¸¸ Ÿ¸»¥¸š¸›¸ ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ‚¸¾£ ¥¸¸Š¸» ¤¡¸¸¸ ™£ ׸£¸ ¬¸Ÿ¸¡¸ ˆ½Å ‚¸š¸¸£ œ¸£ „œ¸¢¸÷¸ í¸½÷¸½ íÿ. ¤¡¸¸¸ ˆÅ¸½ ¬¸º¬¸¿Š¸÷¸
‚¨¸¢š¸ Ÿ¸Ê ¨¡¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê œ¸¢£©¸¸½¢š¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Borrowing cost includes interest. Interest expenses are accrued on a time basis, by a reference to the principal outstanding and
at the interest rate applicable. The interest is amortised as an expense over the relevant period.

23 ›¸ˆÅ™ ‚¸¾£ ›¸ˆÅ™ú ¬¸Ÿ¸÷¸º¥¡¸ / Cash & Cash equivalents

‚. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
A. In case of IDBI bank Limited
›¸ˆÅ™ ‚¸¾£ ›¸ˆÅ™ú ¬¸Ÿ¸÷¸º¥¡¸ Ÿ¸Ê í¸˜¸ Ÿ¸Ê ›¸ˆÅ™ú, ‚¸£¤¸ú‚¸ƒÄ ˆ½Å œ¸¸¬¸ ©¸½«¸, ‚›¡¸ ¤¸ÿˆÅ¸Ê ˆ½Å œ¸¸¬¸ ©¸½«¸ ‚¸¾£ Ÿ¸¸¿Š¸ ‡¨¸¿ ‚¥œ¸ ¬¸»¸›¸¸ œ¸£ œÏ¢÷¸™½¡¸ £¸¢©¸ ©¸¸¢Ÿ¸¥¸ íÿ.
Cash and cash equivalents include cash in hand, balances with the RBI, balances with other banks and money at call and short
notice.

‚¸. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ƒ¿’½ˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

B. In case of IDBI Intech Limited
ˆ¿Åœ¸›¸ú ¬¸ž¸ú ‚÷¡¸¢š¸ˆÅ ÷¸£¥¸ ¢¨¸î¸ú¡¸ ¢¥¸‰¸÷¸¸Ê ˆÅ¸½ ©¸¸¢Ÿ¸¥¸ ˆÅ£÷¸ú í¾, ¸¸½ ›¸ˆÅ™ú ˆÅú ±¸¸÷¸ £¸¢©¸ Ÿ¸Ê ÷¸÷ˆÅ¸¥¸ œ¸¢£¨¸÷¸Ä›¸ú¡¸ í¾ ‚¸¾£ Ÿ¸»¥¡¸ Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ ˆ½Å Ÿ¸í÷¨¸íú›¸
¸¸½¢‰¸Ÿ¸ ˆ½Å ‚š¸ú›¸ í¾ ‚¸¾£ ¬¸Ÿ¸¸œ¸›¸ ˆÅú ÷¸¸£ú‰¸ ¬¸½ ¤¸¸£í Ÿ¸íú›¸½ ˆ½Å ž¸ú÷¸£ œ¸¢£œ¸Æ¨¸ í¸½›¸½ ¨¸¸¥¸ú ¸Ÿ¸¸£¸¢©¸ ˆÅ¸½ ›¸ˆÅ™ú ¬¸Ÿ¸÷¸º¥¡¸ Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾. ›¸ˆÅ™ ‚¸¾£ ›¸ˆÅ™ú
¬¸Ÿ¸÷¸º¥¡¸¸Ê Ÿ¸Ê ¤¸ÿˆÅ¸Ê Ÿ¸Ê ©¸½«¸ £¸¢©¸ ©¸¸¢Ÿ¸¥¸ í¾, ¸¸½ ‚¸í£µ¸ ‚¸¾£ „œ¸¡¸¸½Š¸ ˆ½Å ¢¥¸‡ ‚œÏ¢÷¸¤¸¿¢š¸÷¸ í¾.
The company considers all highly liquid financial instruments, which are readily convertible in to known amounts of cash that
are subject to an insignificant risk of change in value and the deposits maturing within Twelve Months from the closing date
are considered to be Cash equivalents. Cash and Cash equivalents consists of balances with banks, which are unrestricted for
withdrawal and usage.

ƒ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ Ÿ¡¸»¸º‚¥¸ û¿Å” ’﬒ú ˆ¿Å. ¢¥¸. ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

C. In case of IDBI Mutual Fund Trustee Co. Limited
›¸ˆÅ™ Ÿ¸Ê í¸˜¸ Ÿ¸Ê ›¸ˆÅ™ú ‚¸¾£ ¤¸ÿˆÅ¸Ê Ÿ¸Ê Ÿ¸¸¿Š¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ ©¸¸¢Ÿ¸¥¸ íÿ. ›¸ˆÅ™ú ¬¸Ÿ¸÷¸º¥¡¸ ‚¥œ¸¸¨¸¢š¸ ©¸½«¸ íÿ (‚¢š¸ŠÏíµ¸ ˆÅú ÷¸¸£ú‰¸ ¬¸½ ÷¸ú›¸ Ÿ¸íú›¸½ ¡¸¸ „¬¸¬¸½ ˆÅŸ¸ ˆÅú Ÿ¸»¥¸
œ¸¢£œ¸Æ¨¸÷¸¸ ˆ½Å ¬¸¸˜¸), ‚÷¡¸¢š¸ˆÅ ÷¸£¥¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ ¸¸½ ÷¸÷ˆÅ¸¥¸ ›¸ˆÅ™ú ˆÅú ±¸¸÷¸ Ÿ¸¸°¸¸ Ÿ¸Ê œ¸¢£¨¸¢÷¸Ä÷¸ í¸½ ¸¸÷¸ú íÿ ‚¸¾£ ¸¸½ Ÿ¸»¥¡¸ Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ ˆ½Å Ÿ¸í÷¨¸íú›¸ ¸¸½¢‰¸Ÿ¸
ˆ½Å ‚š¸ú›¸ í¸½÷¸ú íÿ.
Cash comprises cash on hand and demand deposits with banks. Cash equivalents are short term balances (with an Original
Maturity of Three months or less from the date of acquisition ), Highly liquid deposits that are readily converted in to known
amounts of cash and which are subject to insignificant risk of changes in value.

ƒÄ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¬¸½’ Ÿ¸¾›¸½¸Ÿ¸½¿’ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

D. In case of IDBI Asset Management Limited

›¸ˆÅ™ ‚¸¾£ ›¸ˆÅ™ú ¬¸Ÿ¸÷¸º¥¡¸ Ÿ¸Ê ›¸ˆÅ™ ‚¸¾£ ¤¸ÿˆÅ¸Ê Ÿ¸Ê ¸¸¥¸» ‰¸¸÷¸¸Ê Ÿ¸Ê ©¸½«¸ ©¸¸¢Ÿ¸¥¸ íÿ. ˆ¿Åœ¸›¸ú ‰¸£ú™ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ÷¸ú›¸ Ÿ¸íú›¸½ ¡¸¸ „¬¸¬¸½ ˆÅŸ¸ ˆÅú ©¸½«¸ œ¸¢£œ¸Æ¨¸÷¸¸ ¨¸¸¥¸½
¬¸ž¸ú ‚÷¡¸¢š¸ˆÅ ÷¸£¥¸ ¢›¸¨¸½©¸¸Ê ˆÅ¸½ ©¸¸¢Ÿ¸¥¸ ˆÅ£÷¸ú í¾ ‚¸¾£ ¸¸½ ›¸ˆÅ™ú ¬¸Ÿ¸÷¸º¥¡¸ í¸½›¸½ ˆ½Å ¢¥¸‡ ÷¸÷ˆÅ¸¥¸ ›¸ˆÅ™ú ˆÅú ±¸¸÷¸ Ÿ¸¸°¸¸ Ÿ¸Ê œ¸¢£¨¸¢÷¸Ä÷¸ í¸½ ¸¸÷¸½ íÿ.
Cash and Cash equivalents comprises of cash and current account balances with banks. The company considers all highly
liquid investments with a remaining maturity at the date of purchase of Three months or less and that are readily converted in to
known amounts of cash to be cash equivalents

24 ˆÅ¸Á£œ¸¸½£½’ ¬¸¸Ÿ¸¸¢¸ˆÅ ™¸¢¡¸÷¨¸ / Corporate Social Responsibility

ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆ½Å ‚›¸º¬¸¸£ ˆÅ¸Á£œ¸¸½£½’ ¬¸¸Ÿ¸¸¢¸ˆÅ ™¸¢¡¸÷¨¸ ˆ½Å ¢¥¸‡ ¢ˆÅ¡¸½ Š¸¡¸½ ¨¡¸¡¸ ˆÅ¸½ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ¥¸½‰¸½ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
Expenditure towards corporate social responsibility, in accordance with Companies Act, 2013, is recognised in the Profit and Loss
Account.

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25 ™º¨¸Äí ¬¸¿¢¨¸™¸ / Onerous contracts

™º¨¸Äí ¬¸¿¢¨¸™¸‚¸Ê ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸½ ÷¸¤¸ ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾ ¸¤¸ ¬¸¿¢¨¸™¸ ¬¸½ ¤¸ÿˆÅ ˆÅ¸½ œÏ¸œ÷¸ í¸½›¸½ ¨¸¸¥¸½ ‚œ¸½¢®¸÷¸ ¥¸¸ž¸ ¬¸¿¢¨¸™¸ ˆ½Å ÷¸í÷¸ ž¸¢¨¸«¡¸ ˆ½Å ™¸¢¡¸÷¨¸¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ ˆÅú ‚œ¸¢£í¸¡¸Ä
¥¸¸Š¸÷¸ ¬¸½ ˆÅŸ¸ í¸½÷¸½ íÿ. œÏ¸¨¸š¸¸›¸ ˆÅú Š¸µ¸›¸¸ Ÿ¸Ê ¬¸¿¢¨¸™¸ ¬¸Ÿ¸¸œ÷¸ ˆÅ£›¸½ ˆÅú ‚œ¸½¢®¸÷¸ ¥¸¸Š¸÷¸ ‚¸¾£ ¬¸¿¢¨¸™¸ ˆÅ¸½ ¸¸£ú £‰¸›¸½ ˆÅú ‚œ¸½¢®¸÷¸ ¢›¸¨¸¥¸ ¥¸¸Š¸÷¸ ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ Ÿ¸Ê ¬¸½
ˆÅŸ¸÷¸£ œ¸£ ˆÅú ¸¸÷¸ú í¾. ¢ˆÅ¬¸ú œÏ¸¨¸š¸¸›¸ ˆÅ¸½ ¢›¸¢ä¸÷¸ ˆÅ£›¸½ ¬¸½ œ¸í¥¸½, ¤¸ÿˆÅ „¬¸ ¬¸¿¢¨¸™¸ ¬¸½ ¸º”õú ‚¸¦¬÷¸¡¸¸Ê œ¸£ ¢ˆÅ¬¸ú ݸ¢¬¸÷¸ í¸¢›¸ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ˆÅ£ ¥¸½÷¸¸ í¾.
Provisions for onerous contracts are recognised when the expected benefits to be derived by the Bank from a contract are lower
than the unavoidable costs of meeting the future obligations under the contract. The provision is measured at the present value of the
lower of the expected cost of terminating the contract and the expected net cost of continuing with the contract. Before a provision is
established, the Bank recognises any impairment loss on the assets associated with that contract.

26 ›¸ˆÅ™ú œÏ¨¸¸í ¢¨¸¨¸£µ¸ / Cash Flow Statement

‚. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄΓ¸ ‡¿” ¢¬¸Æ¡¸¸½¢£’ú¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
A. In case of IDBI Capital Markets & Securities Limited

›¸ˆÅ™ú œÏ¨¸¸í ¢¨¸¨¸£µ¸, ›¸ˆÅ™ú œÏ¨¸¸í ¢¨¸¨¸£µ¸¸Ê ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ 3 Ÿ¸Ê ¢›¸š¸¸Ä¢£÷¸ ‚œÏ÷¡¸®¸ ¢¨¸¢š¸ ׸£¸ ÷¸¾¡¸¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ¡¸í ˆ¿Åœ¸›¸ú ˆ½Å œ¸¢£¸¸¥¸›¸,
¢›¸¨¸½©¸ ‚¸¾£ ¢¨¸î¸œ¸¸½«¸µ¸ Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê ׸£¸ ›¸ˆÅ™ú œÏ¨¸¸í ˆÅ¸½ œÏ¬÷¸º÷¸ ˆÅ£÷¸¸ í¾.
The Cash Flow Statement is prepared by the indirect method set out in Accounting Standard 3 on Cash Flow Statements and
presents the cash flows by operating, investing and financing activities of the Company.

›¸ˆÅ™ú œÏ¨¸¸í ¢¨¸¨¸£µ¸ Ÿ¸Ê ™©¸¸Ä¡¸½ Š¸‡ ›¸ˆÅ™ ‚¸¾£ ›¸ˆÅ™ú ¬¸Ÿ¸÷¸º¥¡¸ Ÿ¸Ê í¸˜¸ Ÿ¸Ê ›¸ˆÅ™ú ‚¸¾£ ¤¸ÿˆÅ¸Ê Ÿ¸Ê Ÿ¸¸¿Š¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ ©¸¸¢Ÿ¸¥¸ íÿ.
Cash and Cash equivalents presented in the Cash Flow Statement consist of cash on hand and demand deposits with banks.

‚¸. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’﬒ú¢©¸œ¸ ¬¸¢¨¸Ä¬¸½{¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

B. In case of IDBI Trusteeship Services Limited

›¸ˆÅ™ú œÏ¨¸¸í ¢¨¸¨¸£µ¸ (‡‡¬¸-3) ¬¸½ ¬¸¿¤¸¢š¸÷¸ ¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ Ÿ¸Ê ¨¸¢µ¸Ä÷¸ "‚œÏ÷¡¸®¸ œ¸Ö¢÷¸" ˆ½Å ‚›¸º¬¸¸£ ›¸ˆÅ™ú œÏ¨¸¸í ¢¨¸¨¸£µ¸ ÷¸¾¡¸¸£ ¢ˆÅ‡ ¸¸÷¸½ íÿ. ˆ¿Åœ¸›¸ú ˆ½Å
¢›¸¡¸¢Ÿ¸÷¸ £¸¸¬¨¸ „÷œ¸››¸, ¢¨¸î¸œ¸¸½«¸µ¸ ‚¸¾£ ¢›¸¨¸½©¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê ¬¸½ ›¸ˆÅ™ú œÏ¨¸¸í ˆÅ¸½ ‚¥¸Š¸-‚¥¸Š¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Cash flow statements are prepared in accordance with “Indirect method” as explained in accounting standard on Cash flow
statement (AS-3). The cash flows from regular revenue generating, financing and investing activities of the company are
segregated.

ƒ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¬¸½’ Ÿ¸¾›¸½¸Ÿ¸½¿’ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

C. In case of IDBI Asset Management Limited
›¸ˆÅ™ú œÏ¨¸¸í ‚œÏ÷¡¸®¸ ¢¨¸¢š¸ ˆ½Å œÏ¡¸¸½Š¸ ׸£¸ ¢£œ¸¸½’Ä ¢ˆÅ‡ ¸¸÷¸½ íÿ, ¢¸¬¸¬¸½ Š¸¾£ ›¸ˆÅ™ú œÏˆ¼Å¢÷¸ ˆ½Å ¥¸½›¸™½›¸¸Ê ˆ½Å œÏž¸¸¨¸, ›¸ˆÅ™ú œÏ¸¦œ÷¸ ¡¸¸ ž¸ºŠ¸÷¸¸›¸ ˆ½Å ž¸»÷¸ ¡¸¸ ž¸¢¨¸«¡¸ Ÿ¸Ê
œ¸¢£¸¸¢¥¸÷¸ ¢ˆÅ¬¸ú ‚¸¬˜¸Š¸›¸ ¡¸¸ „œ¸¸¡¸ ‚¸¾£ ¢›¸¨¸½©¸ ¡¸¸ ¢¨¸î¸ú¡¸ ›¸ˆÅ™ œÏ¨¸¸í¸Ê ¬¸½ ¸º”õ½ ‚¸¡¸ ¡¸¸ ¨¡¸¡¸¸Ê ˆ½Å Ÿ¸™ ˆ½Å ¢¥¸‡ ˆÅ£ œ¸»¨¸Ä ¢›¸¨¸¥¸ ¥¸¸ž¸ ˆÅ¸½ ¬¸Ÿ¸¸¡¸¸½¢¸÷¸ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾. ˆ¿Åœ¸›¸ú ˆ½Å œ¸¢£¸¸¥¸›¸, ¢›¸¨¸½©¸ ‚¸¾£ ¢¨¸î¸ú¡¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê ¬¸½ ›¸ˆÅ™ú œÏ¨¸¸í ˆÅ¸½ ‚¥¸Š¸-‚¥¸Š¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Cash Flows are reported using indirect method whereby net profits before tax is adjusted for the effects of transactions of
a non-cash nature, any deferrals or accruals of past or future operating cash receipts or payments and item of income or
expenses associated with investing or financing cash flows. The cash flows from operating, investing and financing activities of
the company are segregated.

ƒÄ. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‡Ÿ¸‡ûÅ ’﬒ú ˆÅŸœ¸›¸ú ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

D. In case of IDBI MF Trustee Company Limited
›¸ˆÅ™ú œÏ¨¸¸í ‚œÏ÷¡¸®¸ ¢¨¸¢š¸ ˆ½Å œÏ¡¸¸½Š¸ ׸£¸ ¢£œ¸¸½’Ä ¢ˆÅ¡¸½ ¸¸÷¸½ íÿ, ¢¸¬¸¬¸½ Š¸¾£ ›¸ˆÅ™ú œÏˆ¼Å¢÷¸ ˆ½Å ¥¸½›¸™½›¸¸Ê ˆ½Å œÏž¸¸¨¸ ‚¸¾£ ›¸ˆÅ™ú œÏ¸¦œ÷¸ ¡¸¸ ž¸ºŠ¸÷¸¸›¸ ˆ½Å ž¸»÷¸ ¡¸¸ ž¸¢¨¸«¡¸
ˆ½Å ¢ˆÅ¬¸ú ‚¸¬˜¸Š¸›¸ ¡¸¸ „œ¸¸¡¸ ˆ½Å ¢¥¸‡ ‚¬¸¸š¸¸£µ¸ Ÿ¸™¸Ê ‚¸¾£ ˆÅ£ œ¸»¨¸Ä ¥¸¸ž¸/(í¸¢›¸) ˆÅ¸½ ¬¸Ÿ¸¸¡¸¸½¢¸÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ˆ¿Åœ¸›¸ú ˆ½Å œ¸¢£¸¸¥¸›¸, ¢›¸¨¸½©¸ ‚¸¾£ ¢¨¸î¸ú¡¸
ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê ¬¸½ ›¸ˆÅ™ú œÏ¨¸¸í ˆÅ¸½ „œ¸¥¸¤š¸ ¬¸»¸›¸¸ ˆ½Å ‚¸š¸¸£ œ¸£ ‚¥¸Š¸-‚¥¸Š¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Cash flows are reported using the indirect method, whereby profit/ (loss) before extraordinary items and tax is adjusted for the
effects of transactions of non-cash nature and deferrals or accruals of past or future cash receipts or payments. The cash flows
from operating, investing and financing activities of the Company are segregated based on the available information.

dm{f©H$ [anmoQ>© Annual Report 2023-24 517

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

‚›¸º¬¸»¸ú 18 - ¬¸Ÿ¸½¢ˆÅ÷¸ ¥¸½‰¸¸ ¢’œœ¸¢µ¸¡¸¸¿

SCHEDULE 18 - NOTES TO CONSOLIDATED ACCOUNTS

1. ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ¢›¸¨¸¥¸ ¥¸¸ž¸ ‚˜¸¨¸¸ í¸¢›¸, œ¸»¨¸¸Ä¨¸¢š¸ Ÿ¸™Ê ÷¸˜¸¸ ¥¸½‰¸¸¿ˆÅ›¸ ›¸ú¢÷¸¡¸¸Ê Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ (‡‡¬¸-5)
NET PROFIT OR LOSS FOR THE PERIOD, PRIOR PERIOD ITEMS AND CHANGES IN
ACCOUNTING POLICIES (AS-5)

- 31 Ÿ¸¸¸Ä 2024 ‚¸¾£ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ˆÅ¸½ƒÄ Ÿ¸í÷¨¸œ¸»µ¸Ä œ¸»¨¸Ä ‚¨¸¢š¸ ‚¸¡¸/ ¨¡¸¡¸ Ÿ¸™Ê ›¸íú¿ ˜¸ú.
- There were no material prior period income/ expenditure items for the year ended March 31, 2024 and March 31, 2023.

- ¢œ¸Ž¥¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä Ÿ¸Ê ‚›¸º¬¸£µ¸ ˆÅú Š¸ƒÄ ›¸ú¢÷¸¡¸¸Ê ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚œ¸›¸¸ƒÄ Š¸ƒÄ Ÿ¸í÷¨¸œ¸»µ¸Ä ¥¸½‰¸¸ ›¸ú¢÷¸¡¸¸Ê Ÿ¸Ê ˆÅ¸½ƒÄ œ¸¢£¨¸÷¸Ä›¸
›¸íú¿ íº‚¸ í¾.
- There is no change in significant accounting policies adopted during the year ended March 31, 2024 as compared to those
followed in the previous financial year.

2. ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸¿ (¬¸¿œ¸¢î¸, ¬¸¿¡¸¿°¸ ‡¨¸¿ „œ¸ˆÅ£µ¸) (‡‡¬¸-10)

FIXED ASSETS (PROPERTY, PLANT & EQUIPMENTS) (AS-10)

(i) 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ œ¸»›¸Ÿ¸»Ä¥¡¸›¸ ‚¸£¢®¸÷¸ ¢›¸¢š¸ Ÿ¸Ê ©¸½«¸ `7,933 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä `8,201 ˆÅ£¸½”õ) í¾.
The balance in Revaluation Reserve as at March 31, 2024 is `7,933 Crores (Previous year `8,201 Crores).

(ii) ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¸¨¸¸¬¸ú¡¸ /ˆÅ¸¡¸¸Ä¥¸¡¸ ž¸¨¸›¸ ‚¸¾£ ‚›¡¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¢¤¸ÇÅú ¬¸½ ` 83 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸ÄÀ ¢›¸¨¸¥¸ í¸¢›¸ `2 ˆÅ£¸½”õ) ˆÅ¸ ¢›¸¨¸¥¸ ¥¸¸ž¸ íº‚¸ í¾ ¢¸¬¸½
‚›¸º¬¸»¸ú 14 - ‚›¡¸ ‚¸¡¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
Net Profit amounting to `83 Crore (Previous year: Net Loss `2 crore) on account of sale of residential/office buildings and other
assets during the year is included in Schedule 14 - Other Income.

(iii) ¥¸¸ž¸¸¿©¸ ˆ½Å ¢¨¸÷¸£µ¸ ˆ½Å ¢¥¸‡ œ¸º›¸Ÿ¸»Ä¥¡¸›¸ ‚¸£¢®¸÷¸ ¢›¸¢š¸ „œ¸¥¸¤š¸ ›¸íú¿ í¾.
Revaluation reserve is not available for distribution of dividends.

(iv) ¤¸ÿˆÅ ›¸½ ‡›¸¤¸ú¬¸ú¬¸ú ׸£¸ œÏ™¸›¸ ¢ˆÅ‡ Š¸‡ ¬¨¸¸¢Ÿ¸÷¨¸ œ¸°¸ ˆ½Å ‚¸š¸¸£ œ¸£ ¨¸¸¢µ¸¦¡¸ˆÅ ¬˜¸¸›¸ ˆ½Å ‡ˆÅ ¢í¬¬¸½ ˆÅ¸½ `334 ˆÅ£¸½”õ ˆÅú £¸¢©¸ ¬¸½ œ¸»¿¸úˆ¼Å÷¸ ¢ˆÅ¡¸¸ í¾. íˆÅ ¢¨¸¥¸½‰¸
ˆÅ¸½ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆ½Å ›¸¸Ÿ¸ œ¸£ ¢›¸«œ¸¸¢™÷¸ ¢ˆÅ¡¸¸ ¸¸›¸¸ ¤¸¸ˆÅú í¾.
The Bank has capitalized a portion of commercial space amounting of `334 Crore on the basis of possession letter provided by
the NBCC. The title deed is yet to be executed in the name of IDBI Bank.

3. ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ (‡‡¬¸-15) (¬¸¿©¸¸½¢š¸÷¸) / EMPLOYEE BENEFITS (AS-15) (REVISED)

ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ ¡¸¸½¸›¸¸
Employee Benefit Schemes
I. ¢›¸¢™Ä«’ ‚¿©¸™¸›¸ ¡¸¸½¸›¸¸‡¿ / Defined Contribution Schemes
¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ¥¸¸ž¸-í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê ž¸¢¨¸«¡¸ ¢›¸¢š¸ Ÿ¸Ê ‚¿©¸™¸›¸ ˆ½Å ¢¥¸‡ ¢›¸š¸¸Ä¢£÷¸ ‚¸¾£ ©¸¸¢Ÿ¸¥¸ £¸¢©¸
The amount recognized and included for Contribution to Provident Fund in Profit and Loss Account in FY 23-24
(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)
¬¸¿¬˜¸¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23
Entity FY 2023-24 FY 2022-23
‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” / IDBI Bank Ltd 6 7
‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ¢¥¸¢Ÿ¸’½” / IDBI Asset Management Limited 0.14 0.38
‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄΓ¸ ‡¿” ¢¬¸Æ¡¸º¢£’ú¸ ¢¥¸¢Ÿ¸’½” 1 1
IDBI Capital Markets & Securities Limited

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¬¸¿¬˜¸¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23

Entity FY 2023-24 FY 2022-23
‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’﬒ú¢©¸œ¸ ¬¸¢¨¸Ä¬¸½¬¸ ¢¥¸¢Ÿ¸’½” / IDBI Trusteeship Services Ltd. 0.31 0.27

‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ƒ¿’½ˆÅ ¢¥¸¢Ÿ¸’½” / IDBI Intech Limited 6 5

ˆÅ) ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê À

a) In case of IDBI Bank Limited :

(i) ž¸¢¨¸«¡¸ ¢›¸¢š¸

Provident Fund

31 Ÿ¸¸¸Ä 2008 ¬¸½ œ¸»¨¸Ä ¤¸ÿˆÅ Ÿ¸Ê ¬¸½¨¸¸ ŠÏíµ¸ ˆÅ£›¸½ ¨¸¸¥¸½ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê, œ¸Ê©¸›¸ ˆÅ¸ ¢¨¸ˆÅ¥œ¸ ¸º›¸›¸½ ¨¸¸¥¸½ ˆÅ¸½ Ž¸½”õˆÅ£, ˆÅ¸½ ž¸¢¨¸«¡¸ ¢›¸¢š¸ ¡¸¸½¸›¸¸
(œ¸ú‡ûҬ¸) ˆ½Å ‚¿÷¸Š¸Ä÷¸ ˆÅ¨¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ¤¸ÿˆÅ Ÿ¸»¥¸ ¨¸½÷¸›¸ ˆ½Å ‡ˆÅ ¢›¸¢ä¸÷¸ œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ž¸¢¨¸«¡¸ ¢›¸¢š¸ ¡¸¸½¸›¸¸ Ÿ¸Ê ¢›¸¢™Ä«’ ‚¿©¸™¸›¸ ˆÅ£÷¸¸
í¾. ž¸¢¨¸«¡¸ ¢›¸¢š¸ ¡¸¸½¸›¸¸ ˆÅ¸ œÏ¤¸¿š¸›¸ `‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆÅŸ¸Ä¸¸£ú ž¸¢¨¸«¡¸ ¢›¸¢š¸ ›¡¸¸¬¸ (›¡¸¸¬¸) ˆ½Å ’﬒ú ¤¸¸½”Ä' ׸£¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ
í¸½Ÿ¸ ûöŸƒ›¸Ê¬¸ ¢¥¸¢Ÿ¸’½” (‚¸ƒÄ‡¸‡ûŇ¥¸) ‚¸¾£ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¢Š¸¥’¬¸ ¢¥¸¢Ÿ¸’½” (‚¸ƒÄ¸ú‡¥¸) ˆ½Å ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê Ÿ¸ƒÄ 2011 ÷¸ˆÅ
ž¸¢¨¸«¡¸ ¢›¸¢š¸ ‚¿©¸™¸›¸ ®¸½°¸ú¡¸ ž¸¢¨¸«¡¸ ¢›¸¢š¸ ‚¸¡¸ºÆ÷¸ ˆÅ¸½ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸ ‚¸¾£ ƒ¬¸ˆ½Å ¤¸¸™ ‚¿©¸™¸›¸ …œ¸£ „¦¥¥¸¢‰¸÷¸ ¢›¸¢š¸ Ÿ¸Ê ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ¢¨¸î¸ú¡¸
¨¸«¸Ä 2023-24 ˆ½Å ™¸¾£¸›¸ `6 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 Ÿ¸Ê `7 ˆÅ£¸½”õ) œ¸ú‡ûҬ¸ Ÿ¸Ê ‚¿©¸™¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ‚¸¾£ ¥¸¸ž¸ ‡¨¸¿ í¸¢›¸
‰¸¸÷¸½ Ÿ¸Ê œÏž¸¸¢£÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
The Bank’s employees, excluding those who have opted for pension, who have joined Bank before March 31,
2008 are covered by Provident Fund Scheme (PFS). The Bank makes a defined contribution measured as a fixed
percentage of basic salary to the PFS. The Provident Fund Scheme is managed by “The Board of Trustees of IDBI
Bank Employees’ Provident Fund Trust (Trust)”. In respect of employees of IDBI Home Finance Limited (IHFL) and
IDBI Gilts Limited (IGL), provident fund contributions were made to Regional Provident Fund Commissioner up
to May 2011 and thereafter contributions have been made to the aforementioned Fund. During the FY 2023-24
`6 crore (Previous FY 2022-23 `7 crore) has been contributed to PFS and charged to Profit and Loss Account.

(ii) ›¸ƒÄ œ¸Ê©¸›¸ ¡¸¸½¸›¸¸

New Pension Scheme

1 ‚œÏ¾¥¸ 2008 ˆ½Å ¤¸¸™ ¤¸ÿˆÅ Ÿ¸Ê ¢›¸¡¸ºÆ÷¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸. ˆÅú ›¸¡¸ú œ¸Ê©¸›¸ ¡¸¸½¸›¸¸ (‚¸ƒÄ¤¸ú‡¥¸‡›¸œ¸ú‡¬¸) ˆ½Å ‚¿÷¸Š¸Ä÷¸
ˆÅ¨¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ¢¸¬¸Ÿ¸Ê ¤¸ÿˆÅ ¨¸½÷¸›¸ ‚¸¾£ Ÿ¸í¿Š¸¸ƒÄ ž¸î¸½ ˆ½Å ¢›¸š¸¸Ä¢£÷¸ œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸½¿ ‚¿©¸™¸›¸ ˆÅ£÷¸¸ í¾. ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ™¸¾£¸›¸,
‚¸ƒÄ¤¸ú‡¥¸‡›¸œ¸ú‡¬¸ Ÿ¸Ê ` 199 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 Ÿ¸Ê `177 ˆÅ£¸½”õ) ˆÅ¸ ¡¸¸½Š¸™¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ‚¸¾£ ¥¸¸ž¸ ‡¨¸¿ í¸¢›¸ ‰¸¸÷¸½
Ÿ¸Ê œÏž¸¸¢£÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
The Bank’s employees who have joined after April 1, 2008 are covered by IDBI Bank Ltd. New Pension Scheme
(IBLNPS) to which Bank makes a defined contribution as a fixed percentage of Pay and Dearness Allowance.
During the FY 2023-24, `199 crore (Previous FY 2022-23 `177 crore) has been contributed to IBLNPS and
charged to Profit and Loss Account.

‰¸) ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’﬒ú¢©¸œ¸ ¬¸¢¨¸Ä¬¸½¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸ÊÀ

b) In case of IDBI Trusteeship Services Ltd :

ˆ¿Åœ¸›¸ú ¬˜¸¸›¸ú¡¸ ¢¨¸¢›¸¡¸Ÿ¸›¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¬¸¸¨¸Ä¸¢›¸ˆÅ ³Åœ¸ ¬¸½ œÏ©¸¸¢¬¸÷¸ ž¸¢¨¸«¡¸ ¢›¸¢š¸ Ÿ¸Ê ž¸¢¨¸«¡¸ ¢›¸¢š¸ ˆ½Å ‚¿©¸™¸›¸ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ˆÅ£÷¸ú í¾. ‡ˆÅ ¤¸¸£ ¡¸¸½Š¸™¸›¸ ˆÅ¸
ž¸ºŠ¸÷¸¸›¸ ˆÅ£ ¢™‡ ¸¸›¸½ ˆ½Å ¤¸¸™ ˆ¿Åœ¸›¸ú ˆÅ¸ ‚¸Š¸½ ˆÅ¸½ƒÄ ž¸ºŠ¸÷¸¸›¸ ™¸¢¡¸÷¨¸ ›¸íú¿ í¾. ‚¿©¸™¸›¸¸Ê ˆÅ¸½ œ¸¢£ž¸¸¢«¸÷¸ ‚¿©¸™¸›¸ ¡¸¸½¸›¸¸‚¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾ ‚¸¾£
¡¸¸½Š¸™¸›¸¸Ê ˆÅ¸½ ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ ¨¡¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê Ÿ¸¸›¡¸÷¸¸ ™ú ¸¸÷¸ú í¾ ¸¤¸ ¨¸½ ‰¸¸Ä ¢ˆÅ‡ ¸¸÷¸½ íÿ. œÏúœ¸½” ¡¸¸½Š¸™¸›¸ ˆÅ¸½ „¬¸ ¬¸úŸ¸¸ ÷¸ˆÅ ‚¸¦¬÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê œ¸í¸¸›¸¸
¸¸÷¸¸ í¾, ¸í¸¿ ÷¸ˆÅ ›¸ˆÅ™ ¨¸¸œ¸¬¸ú ¡¸¸ ž¸¢¨¸«¡¸ ˆ½Å ž¸ºŠ¸÷¸¸›¸¸Ê Ÿ¸Ê ˆÅŸ¸ú „œ¸¥¸¤š¸ í¾. ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸, ˆ¿Åœ¸›¸ú ›¸½ ` 0.31 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 0.27 ˆÅ£¸½”õ) ž¸¢¨¸«¡¸
¢›¸¢š¸ Ÿ¸Ê ¡¸¸½Š¸™¸›¸ ˆ½Å ¢¥¸‡ ¨¡¸¡¸ ˆÅú œ¸í¸¸›¸ ˆÅú í¾.
The Company pays provident fund contributions to publicly administered provident funds as per local regulations. The
Company has no further payment obligations once the contributions have been paid. The contributions are accounted for
as defined contribution plans and the contributions are recognized as employee benefit expenses when they are incurred.
Prepaid contributions are recognized as an asset to the extent that a cash refund or a reduction in the future payments is
available. During the year, the company has recognized expense towards contributions to provident fund for `0.31 Crore
(Previous year `0.27 Crore).

dm{f©H$ [anmoQ>© Annual Report 2023-24 519

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

Š¸) ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ƒ¿’½ˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

c) In case of IDBI Intech Limited

ˆÅŸ¸Ä¸¸£ú ‚¸¾£ ˆ¿Åœ¸›¸ú ™¸½›¸¸Ê íú ¡¸¸½¸›¸¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å ¨¸½÷¸›¸ ˆ½Å ¢›¸¢™Ä«’ œÏ¢÷¸©¸÷¸ ˆ½Å ¤¸£¸¤¸£ £¸¢©¸ ž¸¢¨¸«¡¸ ¢›¸¢š¸ ¡¸¸½¸›¸¸ Ÿ¸Ê Ÿ¸¸¢¬¸ˆÅ ‚¸š¸¸£
œ¸£ ‚¿©¸™¸›¸ ˆÅ£÷¸½ íÿ. ˆ¿Åœ¸›¸ú ˆ½Å „›¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ¸¸½ ˆÅŸ¸Ä¸¸£ú ž¸¢¨¸«¡¸ ¢›¸¢š¸ ¬¸¿Š¸“›¸ (ƒÄœ¸ú‡ûöÅ‚¸½) ˆ½Å œ¸¸¬¸ œ¸¿¸úˆ¼Å÷¸ íÿ ‚¸¾£ ¢¸›¸ˆ½Å
œ¸¸¬¸ ¡¸»¢›¸¨¸¬¸Ä¥¸ ‰¸¸÷¸¸ ¬¸¿‰¡¸¸ (¡¸»‡‡›¸) í¾, œÏš¸¸›¸Ÿ¸¿°¸ú £¸½¸Š¸¸£ ¡¸¸½¸›¸¸ (œ¸ú‡Ÿ¸‚¸£œ¸ú¨¸¸ƒÄ) ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚š¸ú›¸ ›¸‡ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸
Ÿ¸Ê ž¸¸£÷¸ ¬¸£ˆÅ¸£ ›¸½ ƒÄœ¸ú‡ûöÅ ‚¸¾£ ƒÄœ¸ú‡¬¸ ™¸½›¸¸Ê Ÿ¸Ê œ¸»µ¸Ä ¢›¸¡¸¸½Æ÷¸¸ ‚¿©¸™¸›¸ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ í¾. ©¸½«¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å ¢¥¸‡ ‚¸¾£ ¬¸ž¸ú ˆÅŸ¸Ä¸¸¢£¡¸¸Ê
ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¬¸Ÿœ¸»µ¸Ä ¡¸¸½Š¸™¸›¸ ¬¸£ˆÅ¸£ ׸£¸ ‚¢ž¸©¸¸¢¬¸÷¸ ˆÅŸ¸Ä¸¸£ú ž¸¢¨¸«¡¸ ¢›¸¢š¸ ‚¸¾£ œ¸Ê©¸›¸ ¢›¸¢š¸ Ÿ¸Ê ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¥¸¸ž¸¸¢˜¸Ä¡¸¸Ê ˆÅ¸½ œÏ¢÷¸ ¨¸«¸Ä ™½¡¸
¤¡¸¸¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê ¬¸£ˆÅ¸£ ׸£¸ ‚¢š¸¬¸»¢¸÷¸ ¢ˆÅ¡¸¸ ¸¸ £í¸ í¾. ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸, ˆ¿Åœ¸›¸ú ›¸½ ž¸¢¨¸«¡¸ ¢›¸¢š¸ Ÿ¸Ê ¡¸¸½Š¸™¸›¸ ˆ½Å ¢¥¸‡ `6 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä
`5 ˆÅ£¸½”õ) ™¸Ä ¢ˆÅ¡¸½ íÿ.
Both the employees and the Company make monthly contributions to the Provident Fund Plan equal to a specified
percentage of the covered employee’s salary. In case of Company's employees enrolled with the Employees' Provident
Fund Organisation (EPFO) having Universal Account Number (UAN), the Government of India had paid the full employer's
contribution to both EPF and EPS in respect of new employees under the guidelines of Pradhan Mantri Rojgar Yojana
(PMRPY). For the remaining employees and the entire contribution in respect of all employees is contributed to the
Government administered Employee Provident and Pension Fund. The interest rate payable to the beneficiaries every
year is being notified by the Government. During the year, the Company has recognized expenses towards contributions
to provident fund for ` 6 Crore, (Previous year `5 Crore).

‹¸) ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄΓ¸ ‚¸¾£ ¢¬¸Æ¡¸º¢£’ú¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
d) In case of IDBI Capital Markets & Securities Limited

ˆ¿Åœ¸›¸ú ˆÅú ž¸¸£÷¸ Ÿ¸Ê ž¸¢¨¸«¡¸ ¢›¸¢š¸ ‚¸¾£ ‚¢š¸¨¸¢«¸Ä÷¸¸ ¢›¸¢š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê £¸½¸Š¸¸£ ˆ½Å ¤¸¸™ ˆ½Å ¥¸¸ž¸¸Ê ˆ½Å ¢¥¸‡ ¢›¸¢™Ä«’ ‚¿©¸™¸›¸ ¡¸¸½¸›¸¸‡¿ íÿ ¸¸½ ž¸¸£÷¸ ¬¸£ˆÅ¸£
‚¸¾£/¡¸¸ ž¸¸£÷¸ú¡¸ ¸ú¨¸›¸ ¤¸úŸ¸¸ ¢›¸Š¸Ÿ¸ (‡¥¸‚¸ƒÄ¬¸ú) ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ œÏ©¸¸¢¬¸÷¸ í¸½÷¸ú íÿ. ¡¸¸½Š¸™¸›¸ „¬¸ ¨¸«¸Ä ˆ½Å ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê œÏž¸¸¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸
í¾ ¸¤¸ ¬¸¿¤¸¿¢š¸÷¸ ¢›¸¢š¸¡¸¸Ê Ÿ¸Ê ¡¸¸½Š¸™¸›¸ ™½¡¸ í¸½÷¸¸ í¾. ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆ¿Åœ¸›¸ú ›¸½ ` 1 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä `1 ˆÅ£¸½”õ) ˆ½Å ž¸¢¨¸«¡¸ ¢›¸¢š¸ Ÿ¸Ê ¡¸¸½Š¸™¸›¸ ˆ½Å ¢¥¸‡ ¨¡¸¡¸
ˆÅ¸½ Ÿ¸¸›¡¸÷¸¸ ™ú í¾.
The Company has defined contribution plans for post-employment benefits in the form of provident fund and
superannuation fund in India which are administered through Government of India and/or Life Insurance Corporation of
India (LIC). Contributions are charged to the Profit & Loss Account of the year when the contributions to the respective
funds are due. During the year, the company has recognized expense towards contributions to provident fund for `1
Crore (Previous year `1 Crore).

Œ) ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

e) In case of IDBI Asset Management Limited

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆ¿Åœ¸›¸ú ›¸½ `0.14 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä `0.38 ˆÅ£¸½”õ) ˆ½Å ž¸¢¨¸«¡¸ ¢›¸¢š¸ Ÿ¸Ê ¡¸¸½Š¸™¸›¸ ˆ½Å ¢¥¸‡ ¨¡¸¡¸ ˆÅ¸½ Ÿ¸¸›¡¸÷¸¸ ™ú í¾.
During the year, the company has recognized expense towards contributions to provident fund for `0.14 Crore (Previous
year `0.38 Crore).

II. ¢›¸¢™Ä«’ ¥¸¸ž¸ ¡¸¸½¸›¸¸‡¿ / Defined Benefit Schemes

ˆÅ) ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
a) In case of IDBI Bank Limited

(i) ¤¸ÿˆÅ `‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆÅŸ¸Ä¸¸£ú ŠÏ½¡¸º’ú ¢›¸¢š¸ ’﬒' Ÿ¸Ê ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å ŠÏ½¡¸º’ú ™¸¢¡¸÷¨¸ ˆ½Å ¢¥¸‡ ‚¿©¸™¸›¸ ˆÅ£÷¸¸ í¾.
The Bank makes contributions for the gratuity liability of the employees to the ‘IDBI Bank Employees Gratuity Fund
Trust.

(ii) ¤¸ÿˆÅ ˆ½Å ˆºÅŽ ˆÅŸ¸Ä¸¸£ú œ¸Ê©¸›¸ ˆ½Å ¢¥¸‡ ž¸ú œ¸¸°¸ íÿ ¸¸½ `‚¸ƒÄ”ú¤¸ú‚¸ƒÄ œ¸Ê©¸›¸ û¿Å” ’﬒' ׸£¸ ¬¸¿¸¸¢¥¸÷¸ í¸½÷¸ú í¾.
Some of the employees of the Bank are also eligible for Pension which is administered by the ‘IDBI Pension Fund
Trust.

(iii) ƒ›¸ ¢›¸¢™Ä«’ ¥¸¸ž¸ ™¸¢¡¸÷¨¸¸Ê ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ ‚¸¾£ ¬¸¿¤¸¿¢š¸÷¸ ¨¸÷¸ÄŸ¸¸›¸ ¬¸½¨¸¸ ¥¸¸Š¸÷¸¸Ê ˆÅú Š¸µ¸›¸¸ œÏ÷¡¸½ˆÅ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ‡ˆÅ ¬¨¸÷¸¿°¸ ¤¸úŸ¸¸¿ˆÅˆÅ
׸£¸ œÏ¸½¸½Æ’½” ¡¸»¢›¸’ ǽŢ”’ Ÿ¸½˜¸” ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£÷¸½ íº‡ ˆÅú ¸¸÷¸ú í¾.
The present value of these defined benefit obligations and the related current service cost are measured using the
Projected Unit Credit Method by an independent actuary at each balance sheet date.

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 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

‰¸) ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄΓ¸ ‡¿” ¢¬¸Æ¡¸º¢£’ú¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê
b) In case of IDBI Capital Markets & Securities Limited

ˆ¿Åœ¸›¸ú ˆÅú ‡ˆÅ ¢›¸¢™Ä«’ ¥¸¸ž¸ ŠÏ½¡¸º’ú ¡¸¸½¸›¸¸ í¾. œÏ÷¡¸½ˆÅ ˆÅŸ¸Ä¸¸£ú ¢¸¬¸›¸½ œ¸¸¿¸ ¨¸«¸Ä ¡¸¸ ƒ¬¸¬¸½ ‚¢š¸ˆÅ ˆÅú ¬¸½¨¸¸ œ¸»£ú ˆÅ£ ¥¸ú í¾, „¬¸½ ¬¸½¨¸¸-Ÿ¸ºÆ÷¸ í¸½÷¸½ ¬¸Ÿ¸¡¸
¬¸½¨¸¸ ˆ½Å œÏ÷¡¸½ˆÅ œ¸»µ¸Ä ¨¸«¸Ä ˆ½Å ¢¥¸‡ 15 ¢™›¸ ˆ½Å ¨¸½÷¸›¸ (‚¿¢÷¸Ÿ¸ ‚¸í¢£÷¸ ¨¸½÷¸›¸) ˆÅú ŠÏ½¡¸º’ú ¢Ÿ¸¥¸÷¸ú í¾ ¸¸½ ‚¢š¸ˆÅ÷¸Ÿ¸ ` 0.20 ˆÅ£¸½”õ í¾.
The Company has a defined benefit gratuity plan. Every employee who has completed five years or more of service gets
a gratuity on departure at 15 days salary (last drawn salary) for each completed year of service subject to a maximum of
`0.20 crore.

Š¸) ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

c) In case of IDBI Asset Management Limited

„œ¸™¸›¸ ¬¸¿™¸¡¸ ‚¢š¸¢›¸¡¸Ÿ¸, 1972 ˆ½Å ‚›¸º¬¸¸£ ˆ¿Åœ¸›¸ú ¬¸ž¸ú ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ ˆÅ¨¸£ ˆÅ£›¸½ ¨¸¸¥¸ú ¢›¸¢™Ä«’ ¥¸¸ž¸ ¬¸½¨¸¸¢›¸¨¸¼¢î¸ ¡¸¸½¸›¸¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ŠÏ½¡¸º’ú ˆÅ¸
œÏ¸¨¸š¸¸›¸ ˆÅ£÷¸ú í¾. ¬¸¿¤¸¿¢š¸÷¸ ˆÅŸ¸Ä¸¸£ú ˆ½Å ¨¸½÷¸›¸ ‚¸¾£ ˆ¿Åœ¸›¸ú Ÿ¸Ê „¬¸ˆ½Å ¢›¸¡¸¸½¸›¸ ˆ½Å ¨¸«¸¸½ô ˆ½Å ‚¸š¸¸£ œ¸£ ¢›¸¢í÷¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ „›¸ˆÅú ¬¸½¨¸¸¢›¸¨¸¼¢î¸ ¡¸¸ ¬¸½¨¸¸
¬¸Ÿ¸¸œ¸›¸ œ¸£ ‡ˆÅŸ¸º©÷¸ £¸¢©¸ ™ú ¸¸÷¸ú í¾.
ŠÏ½¡¸º’ú ‚¸¾£ Žº’Ã’ú ›¸ˆÅ™úˆÅ£µ¸ ¥¸¸ž¸ ž¸¸£÷¸ú¡¸ ¸ú¨¸›¸ ¤¸úŸ¸¸ ¢›¸Š¸Ÿ¸ ׸£¸ ¢›¸¡¸¿¢°¸÷¸ ÷¸˜¸¸ œÏ¤¸¿¢š¸÷¸ ŠÏ½¡¸º’ú ¢›¸¢š¸ ˆ½Å ¸¢£‡ œÏ™¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ƒ›¸ ¢›¸¢š¸¡¸¸Ê
Ÿ¸Ê ¨¸¸¢«¸ÄˆÅ ‚¿©¸™¸›¸ ÷¸˜¸¸ œÏ¸¨¸š¸¸›¸ ¤¸úŸ¸¸¿¢ˆÅˆÅ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ‚¸š¸¸£ œ¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
In accordance with Payment of Gratuity Act, 1972, the Company provides for gratuity, a defined benefit retirement plan
covering all employees. The plan provides a lump sum payment to vested employees at retirement or termination of
employment based on the respective employee’s salary and the years of employment with the Company.

The gratuity and leave encashment benefit are provided through a Gratuity Fund administrated and managed by the
Life Insurance Corporation of India. The annual contributions to the these funds and provision is made on the basis of
actuarial valuation.

‹¸) ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ƒ¿’½ˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½

d) In case of IDBI Intech Limited
ˆ¿Åœ¸›¸ú ž¸¸£÷¸ú¡¸ ¸ú¨¸›¸ ¤¸úŸ¸¸ ¢›¸Š¸Ÿ¸ (‡¥¸‚¸ƒÄ¬¸ú) ׸£¸ œÏ©¸¸¢¬¸÷¸ ˆÅŸ¸Ä¸¸£ú ¬¸Ÿ¸»í „œ¸™¸›¸ ¤¸úŸ¸¸ ¡¸¸½¸›¸¸ Ÿ¸Ê ¨¸¸¢«¸ÄˆÅ ‚¿©¸™¸›¸ ˆÅ£÷¸ú í¾ ¸¸½ ‚íÄ÷¸¸œÏ¸œ÷¸
ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆ½Å ¢¥¸‡ ‡ˆÅ ¢›¸¢š¸ˆÅ ¢›¸¢™Ä«’ ¥¸¸ž¸ ¡¸¸½¸›¸¸ í¾. ƒ¬¸ ¡¸¸½¸›¸¸ Ÿ¸Ê œ¸»£½ ¢ˆÅ‡ Š¸‡ ¬¸½¨¸¸ ¨¸«¸¸½ô ˆ½Å ‚¸š¸¸£ œ¸£ ¡¸¸ „¬¸ˆ½Å ž¸¸Š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê Ží Ÿ¸¸í ¬¸½ ‚¢š¸ˆÅ
í¸½›¸½ œ¸£ ¢›¸¢í÷¸ ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ ¬¸½¨¸¸¢›¸¨¸¼¢î¸, £¸½¸Š¸¸£ ˆ½Å ™¸¾£¸›¸ Ÿ¸¼÷¡¸º ¡¸¸ ¬¸½¨¸¸ ˆÅú ¬¸Ÿ¸¸¦œ÷¸ œ¸£ ‡ˆÅŸ¸º©÷¸ ž¸ºŠ¸÷¸¸›¸ ˆÅ£›¸½ ˆÅ¸ œÏ¸¨¸š¸¸›¸ í¾. ¡¸í ¥¸¸ž¸ œ¸¸¿¸ ¨¸«¸Ä
ˆÅú ¥¸Š¸¸÷¸¸£ ¬¸½¨¸¸ œ¸»£ú ˆÅ£›¸½ œ¸£ ¢Ÿ¸¥¸÷¸¸ í¾.
The company makes annual contribution to the Employee’s Group Gratuity Assurance Scheme, administered by the
Life Insurance Corporation of India (LIC), a funded defined benefit plan for qualifying employees. The scheme provides
for lump sum payment to vested employees at retirement, death while in employment or on termination of employment
based on completed years of service or part thereof in excess of six months. Vesting occurs on completion of five years
of continuous service.

Œ) ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’﬒ú¢©¸œ¸ ¬¸¢¨¸Ä¬¸½{¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

e) In case of IDBI Trusteeship Services Limited

¢›¸¢™Ä«’ ¥¸¸ž¸ ŠÏ½¡¸º’ú ¡¸¸½¸›¸¸‚¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ÷¸º¥¸›¸ œ¸°¸ Ÿ¸Ê ™½¡¸÷¸¸ ¡¸¸ ‚¸¦¬÷¸, ¢£œ¸¸½¢’ôŠ¸ ‚¨¸¢š¸ ˆ½Å ‚¿÷¸ Ÿ¸Ê ¢›¸¢™Ä«’ ¥¸¸ž¸ ™¸¢¡¸÷¨¸ ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ Ÿ¸Ê ¬¸½
¡¸¸½¸›¸¸ ˆÅú ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ „¢¸÷¸ Ÿ¸»¥¡¸ ‹¸’¸ ˆÅ£ ¢™‰¸¸ƒÄ ¸¸÷¸ú í¾. œÏ¸½¸½Æ’½” ¡¸»¢›¸’ ǽŢ”’ Ÿ¸½˜¸” ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£ˆ½Å ¤¸úŸ¸¸¿ˆÅˆÅ¸Ê ׸£¸ ¢›¸¢™Ä«’ ¥¸¸ž¸ ™¸¢¡¸÷¨¸
ˆÅú Š¸µ¸›¸¸ ¨¸¸¢«¸ÄˆÅ ³Åœ¸ ¬¸½ ˆÅú ¸¸÷¸ú í¾.
The liability or asset recognised in the balance sheet in respect of defined benefit gratuity plans is the present value of
the defined benefit obligation at the end of the reporting period less the fair value of the plan assets. The defined benefit
obligation is calculated annually by actuaries using projected unit credit method.

ž¸¸£÷¸ú¡¸ ²Åœ¸¡¸½ Ÿ¸Ê Ÿ¸»¥¡¸¨¸¢Š¸Ä÷¸ ¢›¸¢™Ä«’ ¥¸¸ž¸ ™¸¢¡¸÷¨¸ ˆÅ¸ ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ ¬¸£ˆÅ¸£ú ¤¸¸¿”¸Ê œ¸£ ¢£œ¸¸½¢’ôŠ¸ ‚¨¸¢š¸ ˆ½Å ‚¿÷¸ Ÿ¸Ê ¤¸¸{¸¸£ œÏ¢÷¸ûÅ¥¸ ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê
‚›¸ºŸ¸¸¢›¸÷¸ ž¸¢¨¸«¡¸ ˆ½Å ›¸ˆÅ™ú ¤¸¢í¨¸¸Äí ˆÅú ž¸º›¸¸ƒÄ ˆÅ£ ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾, ¢¸¬¸ˆÅú ©¸÷¸½ô ¬¸¿¤¸¿Ö ™¸¢¡¸÷¨¸ ˆÅú ©¸÷¸¸½ô ˆ½Å ¥¸Š¸ž¸Š¸ ‚›¸º³Åœ¸ íÿ.
The present value of the defined benefit obligation denominated in INR is determined by discounting the estimated future
cash outflows by reference to market yields at the end of the reporting period on government bonds that have terms
approximating to the terms of the related obligation.

dm{f©H$ [anmoQ>© Annual Report 2023-24 521

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

¢›¸¨¸¥¸ ¤¡¸¸¸ ¥¸¸Š¸÷¸ ˆÅú Š¸µ¸›¸¸ ¢›¸¢™Ä«’ ¥¸¸ž¸ ¤¸¸š¡¸÷¸¸ ˆ½Å ¢›¸¨¸¥¸ ©¸½«¸ ÷¸˜¸¸ ¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å „¢¸÷¸ Ÿ¸»¥¡¸ œ¸£ ¤¸’Ã’¸ ™£ ¥¸¸Š¸» ˆÅ£ˆ½Å ˆÅú ¸¸÷¸ú í¾. ¡¸í
¥¸¸Š¸÷¸ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ¢¨¸¨¸£µ¸ Ÿ¸Ê ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ ¨¡¸¡¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ˆÅú ¸¸÷¸ú í¾.
The net interest cost is calculated by applying the discount rate to the net balance of the defined benefit obligation and
the fair value of plan assets. This cost is included in employee benefit expenses in the statement of profit and loss.

¡¸¸½¸›¸¸ Ÿ¸Ê ¬¸¿©¸¸½š¸›¸ ¡¸¸ ˆÅ’¸¾÷¸ú ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ ¢›¸¢™Ä«’ ¥¸¸ž¸ ™¸¢¡¸÷¨¸ ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ ˆÅ¸½ ¢œ¸Ž¥¸ú ¬¸½¨¸¸ ¥¸¸Š¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ÷¸÷ˆÅ¸¥¸ ¥¸¸ž¸
¡¸¸ í¸¢›¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾.
Changes in the present value of the defined benefit obligation resulting from plan amendments or curtailments are
recognized immediately in profit or loss as past service cost.

¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ÷¸¸¢¥¸ˆÅ¸ ¢›¸¢™Ä«’ ¥¸¸ž¸ ¡¸¸½¸›¸¸‚¸Ê ˆÅú ¦¬˜¸¢÷¸ ‚¸¾£ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸»í ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ™©¸¸Ä¡¸ú Š¸ƒÄ
£¸¢©¸¡¸¸Ê ˆÅú ¦¬˜¸¢÷¸ œÏ¬÷¸º÷¸ ˆÅ£÷¸ú í¾ ¸¸½ ‡‡¬¸ - 15 (¬¸¿©¸¸½¢š¸÷¸) ˆ½Å ‚›¸º¬¸¸£ í¾.
The following table sets out the status of the defined benefit schemes and the amounts recognized
in the Group’s financial statements as at March 31, 2024 which is as per AS-15 (Revised).
(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)
œ¸Ê©¸›¸ ŠÏ½¡¸º’ú œ¸Ê©¸›¸ ŠÏ½¡¸º’ú
¡¸˜¸¸ ¡¸˜¸¸ ¡¸˜¸¸ ¡¸˜¸¸
¢¨¸¨¸£µ¸ Pension Gratuity Pension Gratuity
Particulars As at As at As at As at

31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023

March 31, 2024 March 31, 2023

ˆÅ) ¥¸¸ž¸ ™¸¢¡¸÷¨¸¸Ê Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸À

a) Change in benefit obligations:

¨¸«¸Ä ˆ½Å œÏ¸£Ÿž¸ Ÿ¸Ê ‚›¸ºŸ¸¸¢›¸÷¸ ¥¸¸ž¸ ™¸¢¡¸÷¨¸ # 3,793 985 3,619 970
Projected benefit obligation beginning of the year #

¤¡¸¸¸ ¥¸¸Š¸÷¸ / Interest cost 285 74 268 71

¸¸¥¸» ¬¸½¨¸¸ ¥¸¸Š¸÷¸ / Current Service cost 44 33 45 36

¬¸úŸ¸¸ Ÿ¸Ê ¨¸¼¢Ö ˆ½Å ˆÅ¸£µ¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ íºƒÄ ¢œ¸Ž¥¸ú ¬¸½¨¸¸ ¥¸¸Š¸÷¸ - - - -
(¢›¸¢í÷¸ ¥¸¸ž¸)
Past Service cost (Vested Benefit) incurred during
the year due to increase in limit

œÏ™î¸ ¥¸¸ž¸ / Benefits paid (226) (88) (215) (89)

¸›¸¬¸¸¿¦‰¡¸ˆÅú¡¸ š¸¸£µ¸¸‚¸Ê Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ ˆ½Å ˆÅ¸£µ¸ ¤¸úŸ¸¸¿¢ˆÅˆÅ - (0) - (0.03)

(¥¸¸ž¸)/í¸¢›¸
Actuarial (gain)/ loss due to change in Demographic
assumptions

¢¨¸î¸ú¡¸ ‚¨¸š¸¸£µ¸¸‚¸Ê Ÿ¸Ê ¤¸™¥¸¸¨¸ ˆ½Å ˆÅ¸£µ¸ ™¸¢¡¸÷¨¸ œ¸£ ¤¸úŸ¸¸¿¢ˆÅˆÅ 124 28 (95) (19)
(¥¸¸ž¸ )/ í¸¢›¸
Actuarial (Gains)/Losses on Obligations - Due to
Change in Financial Assumptions

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(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)

œ¸Ê©¸›¸ ŠÏ½¡¸º’ú œ¸Ê©¸›¸ ŠÏ½¡¸º’ú
¡¸˜¸¸ ¡¸˜¸¸ ¡¸˜¸¸ ¡¸˜¸¸
¢¨¸¨¸£µ¸ Pension Gratuity Pension Gratuity
Particulars As at As at As at As at

31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023

March 31, 2024 March 31, 2023

‚›¸ºž¸¨¸ ˆ½Å ˆÅ¸£µ¸ ™¸¢¡¸÷¨¸ œ¸£ ¤¸úŸ¸¸¿¢ˆÅˆÅ (¥¸¸ž¸ )/ í¸¢›¸ 226 18 171 16
Actuarial (Gains)/Losses on Obligations - Due to
Experience

¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê ‚›¸ºŸ¸¸¢›¸÷¸ ¥¸¸ž¸ / ™¸¢¡¸÷¨¸ 4,246 1,050 3,793 985
Projected benefit/obligation, end of the year

‰¸) ¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸Ê Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ À

b) Change in plan assets:

¨¸«¸Ä ˆ½Å ‚¸£¿ž¸ Ÿ¸Ê ¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ „¢¸÷¸ Ÿ¸»¥¡¸ # 3,900 1,079 3,821 1,035
Fair value of plan assets, beginning of the year #

¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸Ê œ¸£ œÏ÷¡¸¸¢©¸÷¸ œÏ¢÷¸¥¸¸ž¸ 293 81 283 75

Expected return on plan assets

¢›¸¡¸¸½Æ÷¸¸ ˆÅ¸ ‚¿©¸™¸›¸ 26 3 54 55

Employer's contributions

œÏ™î¸ ¥¸¸ž¸ / Benefits paid (226) (88) (215) (89)

¤¸úŸ¸¸¿¢ˆÅˆÅ ¥¸¸ž¸ / (í¸¢›¸) / Actuarial gain / (loss) 90 3 (43) 3

¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê ¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ „¢¸÷¸ Ÿ¸»¥¡¸ 4,083 1,078 3,900 1,079
Fair value of plan assets at the end of the year

Š¸) ™¸¢¡¸÷¨¸ ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ ‚¸¾£ ¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å „¢¸÷¸
c) Ÿ¸»¥¡¸ ˆÅ¸ ¬¸Ÿ¸¸š¸¸›¸
Reconciliation of present value of the obligation
and fair value of the plan assets

¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê ¥¸¸ž¸ ™¸¢¡¸÷¨¸ ˆÅ¸ ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ 4,246 1,050 3,793 985
Present value of benefit obligation at the end of the
year

¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸ „¢¸÷¸ Ÿ¸»¥¡¸ 4,083 1,078 3,900 1,079

Fair Value of Plan assets at end of the year

÷¸º¥¸›¸-œ¸°¸ Ÿ¸Ê ™©¸¸ÄƒÄ Š¸ƒÄ ¢›¸¨¸¥¸ (™½¡¸÷¸¸)/ ‚¸¦¬÷¸ (163) 28 107 94

Net (Liability)/Asset Recognized in the
Balance Sheet
‹¸) ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê ™©¸¸Ä‡ Š¸‡ ¨¡¸¡¸
d) Expenses Recognised in Profit &Loss Account

¬¸½¨¸¸ ¥¸¸Š¸÷¸ / Service cost 44 33 45 36

¤¡¸¸¸ ¥¸¸Š¸÷¸ / Interest cost 285 74 268 71

dm{f©H$ [anmoQ>© Annual Report 2023-24 523

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)

œ¸Ê©¸›¸ ŠÏ½¡¸º’ú œ¸Ê©¸›¸ ŠÏ½¡¸º’ú
¡¸˜¸¸ ¡¸˜¸¸ ¡¸˜¸¸ ¡¸˜¸¸
¢¨¸¨¸£µ¸ Pension Gratuity Pension Gratuity
Particulars As at As at As at As at

31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023

March 31, 2024 March 31, 2023

¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸Ê œ¸£ œÏ÷¡¸¸¢©¸÷¸ œÏ¢÷¸¥¸¸ž¸ (293) (80) (283) (75)

Expected return on plan assets
¢›¸¨¸¥¸ ¤¸úŸ¸¸¿¢ˆÅˆÅ (¥¸¸ž¸)/ í¸¢›¸ 260 43 119 (6)
Net Actuarial (gain)/ loss
¬¸úŸ¸¸ Ÿ¸Ê ¨¸¼¢Ö ˆ½Å ˆÅ¸£µ¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¬¨¸úˆÅ¸£ ˆÅú Š¸ƒÄ ¢œ¸Ž¥¸ú ¬¸½¨¸¸ - - - -
¥¸¸Š¸÷¸ (¢›¸¢í÷¸ ¥¸¸ž¸)
Past Service Cost (Vested Benefit) recognized during
the year due to increase in limit
¨¸«¸Ä ˆ½Å ¢¥¸‡ ¥¸¸ž¸ ‡¨¸¿ í¸¢›¸ ˆÅú ¨¸¸¬÷¸¢¨¸ˆÅ ¥¸¸Š¸÷¸ 296 70 148 26
Actual cost to P & L for the year
Œ) ‚¸¦¬÷¸¡¸¸Ê ˆÅú ª½µ¸ú
e) Category of Assets
¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ / Government Securities 549 - 401 -

ˆÅ¸Á£œ¸¸½£½’ ¤¸¸Áµ”/ Corporate Bonds 1,034 - 1,182 -

¢¨¸©¸½«¸ ¸Ÿ¸¸ ¡¸¸½¸›¸¸ / Special Deposits Scheme - - - -

¤¸úŸ¸¸ˆÅ÷¸¸Ä œÏ¤¸¿¢š¸÷¸ ¢›¸¢š¸¡¸¸¿ 2,189 1,021 2,229 1,079

Insurer Managed Funds
›¸ˆÅ™ ‚¸¾£ ›¸ˆÅ™ú ¬¸Ÿ¸÷¸º¥¡¸ - - 11 -
Cash and Cash equivalents
‚›¡¸ / Others 311 58 78 -

ˆºÅ¥¸ / Total 4,083 1,078 3,900 1,079

¸) ‚Š¸¥¸½ ¨¸«¸Ä Ÿ¸Ê ‚œ¸½¢®¸÷¸ ‚¿©¸™¸›¸ 106 5 - 1

f) Expected contribution in next year
Ž) ¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸Ê œÏ¡¸ºÆ÷¸ Ÿ¸¸›¡¸÷¸¸‡ÂÀ
g) Assumptions used in accounting:
¤¸’Ã’¸ ™£ / Discount rate 7.24% 7.14 % ¬¸½ 7.52% 7.20 % ¬¸½
7.22% ÷¸ˆÅ 7.51% ÷¸ˆÅ
From 7.14 % to From 7.20 % to
7.22% 7.51%
¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸Ê œ¸£ œÏ¢÷¸¥¸¸ž¸ ™£ 7.24% 7.17 % ¬¸½ 7.52% 7.20 % ¬¸½
Rate of return on plan assets 7.22% ÷¸ˆÅ 7.51% ÷¸ˆÅ
From 7.17 % From 7.20 %
to 7.22% to 7.51%
¨¸½÷¸›¸ ¤¸õ¸½÷¸£ú ™£ 5.75% 5% ¬¸½ 10% ÷¸ˆÅ 5.75% 5% ¬¸½ 10% ÷¸ˆÅ
Salary escalation rate From 5% to From 5% to
10% 10%
# ‡¸ú¬¸ û½Å”£¥¸ ¥¸¸ƒûÅ ƒ¿©¡¸¸½£Ê¬¸ ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ £¸¢©¸ ˆÅú ¬¸úŸ¸¸ ÷¸ˆÅ ¬¸Ÿ¸¸¡¸¸½¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾, ¢¸¬¸ˆÅ¸ ¢›¸¬÷¸¸£µ¸ 21 ¢¬¸÷¸¿¤¸£, 2022 ˆÅ¸½ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
# Adjustment is made to the extent of amount pertaining to Ageas Federal Life Insurance Company Limited, which is disposed on
September 21, 2022.

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Schedules to the Consolidated Financial Statements

¢¨¸¨¸£µ¸ œ¸Ê©¸›¸ ŠÏ½¡¸º’ú œ¸Ê©¸›¸ ŠÏ½¡¸º’ú

Particulars ¡¸˜¸¸ ¡¸˜¸¸ ¡¸˜¸¸ ¡¸˜¸¸
31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023 31 Ÿ¸¸¸Ä 2023
Pension Gratuity Pension Gratuity
As at As at As at As at
March 31, 2024 March 31, 2024 March 31, 2023 March 31, 2023

›¸¸¾ˆÅ£ú Ž¸½”õ›¸½ 4 ¨¸«¸Ä ‚¸¾£ „¬¸¬¸½ ˆÅŸ¸ ¬¸½¨¸¸ ˆ½Å 4 ¨¸«¸Ä ¬¸½ ˆÅŸ¸ ¬¸½¨¸¸ ˆ½Å ¢¥¸‡ 4 ¨¸«¸Ä ‚¸¾£ „¬¸¬¸½ ˆÅŸ¸ ¬¸½¨¸¸ 5 ¨¸«¸Ä ¬¸½ ˆÅŸ¸ ¬¸½¨¸¸ ˆ½Å ¢¥¸‡
ˆÅú ™£ ¢¥¸‡ 3.60% œÏ¢÷¸ ¨¸«¸Ä. 5 ¨¸«¸Ä 3.60% ÷¸˜¸¸ „¬¸ˆ½Å ¤¸¸™ ˆ½Å ¢¥¸‡ 3.60% œÏ¢÷¸¨¸«¸Ä ÷¸˜¸¸ 3.60% ÷¸˜¸¸ „¬¸ˆ½Å ¤¸¸™
Attrition Rate ‚¸¾£ „¬¸¬¸½ ‚¢š¸ˆÅ ˆÅú ¬¸½¨¸¸ ˆ½Å 2.49% „¬¸ˆ½Å ¤¸¸™ 2.49% 2.49%
¢¥¸‡ 2.49% œÏ¢÷¸¨¸«¸Ä 3.60% for service less 3.60% p.a. for 4 years 3.60% for service less
For service 4 years and than 4 years and 2.49% and below service and than 5 years and 2.49%
below 3.60% p.a. For thereafter 2.49% thereafter thereafter
service 5 years and
above 2.49% p.a

Ÿ¸¼÷¡¸º ™£ ž¸¸£÷¸ú¡¸ ‚¸æ¸¸¢¬¸÷¸ ¸ú¨¸›¸ ž¸¸£÷¸ú¡¸ ‚¸æ¸¸¢¬¸÷¸ ¸ú¨¸›¸ ž¸¸£÷¸ú¡¸ ‚¸æ¸¸¢¬¸÷¸ ¸ú¨¸›¸ ž¸¸£÷¸ú¡¸ ‚¸æ¸¸¢¬¸÷¸ ¸ú¨¸›¸
Mortality Rate Ÿ¸¼÷¡¸º ™£ 2012-14 (©¸í£ú) Ÿ¸¼÷¡¸º ™£ 2012-14 (©¸í£ú) Ÿ¸¼÷¡¸º ™£ 2012-14 (©¸í£ú) Ÿ¸¼÷¡¸º ™£ 2012-14
Indian Assured Lives Indian Assured Lives Indian Assured Lives (©¸í£ú)
Mortality 2012-14 Mortality 2012-14 Mortality 2012-14 Indian Assured Lives
(Urban). (Urban) (Urban). Mortality 2012-14
(Urban)
¤¸úŸ¸¸¿¢ˆÅˆÅ Ÿ¸»¥¡¸¸¿ˆÅ›¸ Ÿ¸Ê ž¸¸¨¸ú ¨¸½÷¸›¸ ‚¸¡¸ ¨¸¼¢Ö ˆ½Å ‚¸ˆÅ¥¸›¸ Ÿ¸Ê Ÿ¸ºÍ¸¬ûÅú¢÷¸,¨¸¢£«“÷¸¸,œ¸™¸½››¸¢÷¸ ‚¸¾£ ‚›¡¸ œÏ¸¬¸¿¢Š¸ˆÅ ˆÅ¸£ˆÅ¸Ê ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸¸ ¸¸÷¸¸ í¾.
The estimates of future salary income increases considered in the actuarial valuation takes into account inflation, seniority,
promotion and other relevant factors.

¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸Ê ˆÅ¸½ ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ¬¸½ œÏ¸œ÷¸ œÏ¢÷¸ûÅ¥¸ ¨¸ÇÅ ˆ½Å ‚¸š¸¸£ œ¸£ ¤¸¸{¸¸£ Ÿ¸»¥¡¸ œ¸£ ¢¸¦›í÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ƒ¬¸¢¥¸‡ œÏ¢÷¸¥¸¸ž¸ ˆÅú ‚œ¸½¢®¸÷¸ ™£ ˆÅ¸½
Ž»’ ™£ ˆ½Å ¬¸Ÿ¸¸›¸ £‰¸¸ Š¸¡¸¸ í¾.
The Plan assets are marked to market on the basis of the yield curve derived from government securities. Hence, the expected
rate of return has been kept the same as the discount rate.

‚›¸ºž¸¨¸ ¬¸Ÿ¸¸¡¸¸½¸›¸ / Experience Adjustments

i. „œ¸™¸›¸ ¡¸¸½¸›¸¸ / Gratuity Plan
(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)
¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023 31 Ÿ¸¸¸Ä 2022 31 Ÿ¸¸¸Ä 2021 31 Ÿ¸¸¸Ä 2020
Particulars March 31, March 31, March 31, March 31, March 31,
2024 2023 2022 2021 2020
¢›¸¢™Ä«’ ¥¸¸ž¸ ™¸¢¡¸÷¨¸ 1050 985 973 952 946
Defined benefit obligation
¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸¿ / Plan assets 1078 1,079 1,038 1,017 893

‚¢š¸©¸½«¸/(‹¸¸’¸) / Surplus/(deficit) 28 94 64 65 (53)

¡¸¸½¸›¸¸ ™½¡¸÷¸¸‚¸Ê œ¸£ ‚›¸ºž¸¨¸ ¬¸Ÿ¸¸¡¸¸½¸›¸ (18) (16) (23) (14) (55)
[¥¸¸ž¸/(í¸¢›¸)]
Experience adjustments On plan
liabilities [Gain / (Loss)]
¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸Ê œ¸£ ‚›¸ºž¸¨¸ ¬¸Ÿ¸¸¡¸¸½¸›¸ 3 3 13 (0.18) 4
[¥¸¸ž¸/(í¸¢›¸)]
Experience adjustments On plan
assets [Gain / (Loss)]

dm{f©H$ [anmoQ>© Annual Report 2023-24 525

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

ii. œ¸Ê©¸›¸ ¡¸¸½¸›¸¸ / Pension Plan

(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)

¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023 31 Ÿ¸¸¸Ä 2022 31 Ÿ¸¸¸Ä 2021 31 Ÿ¸¸¸Ä 2020
Particulars March 31, March 31, March 31, March 31, March 31,
2024 2023 2022 2021 2020
¢›¸¢™Ä«’ ¥¸¸ž¸ ™¸¢¡¸÷¨¸ 4,246 3,793 3,619 3,190 2,993
Defined benefit obligation
¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸¿ / Plan assets 4,083 3,900 3,821 3,092 2,698

‚¢š¸©¸½«¸/(‹¸¸’¸) / Surplus/(deficit) (163) 107 201 (98) (295)

¡¸¸½¸›¸¸ ™½¡¸÷¸¸‚¸Ê œ¸£ ‚›¸ºž¸¨¸ ¬¸Ÿ¸¸¡¸¸½¸›¸ ( 227) 171 (245) 15 (351)

[¥¸¸ž¸/(í¸¢›¸)]
Experience adjustments On plan
liabilities [Gain / (Loss)]
¡¸¸½¸›¸¸ ‚¸¦¬÷¸¡¸¸Ê œ¸£ ‚›¸ºž¸¨¸ ¬¸Ÿ¸¸¡¸¸½¸›¸ 90 (43) 154 41 14
[¥¸¸ž¸/í¸¢›¸]
Experience adjustments On plan
assets [Gain / (Loss)]

‚›¡¸ ™ú‹¸¸Ä¨¸¢š¸ ¥¸¸ž¸

Other Long Term benefits
1. Žº’Ã’ú ›¸ˆÅ™úˆÅ£µ¸/ Leave Encashment/ Sick Leave
(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)
¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
Particulars ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Year ended Year ended
March 31, 2024 March 31, 2023

ˆºÅ¥¸ ¤¸úŸ¸¸¿¢ˆÅˆÅ ™½¡¸÷¸¸ / Total Actuarial Liability 915 749

š¸¸£µ¸¸‡¿ / Assumptions
Ž»’ ˆÅú ™£ / Discount Rate 7.14% ¬¸½ 7.22% ÷¸ˆÅ 7.20% ¬¸½ 7.51% ÷¸ˆÅ
From 7.14% to From 7.20% to
7.22% 7.51%

¨¸½÷¸›¸ ¨¸¼¢Ö ™£ / Salary Escalation Rate 5% ¬¸½ 10% ÷¸ˆÅ 5% ¬¸½ 10% ÷¸ˆÅ
From 5% to 10% From 5% to 10%

2. ¬¨¸¾¦ŽˆÅ ¬¨¸¸¬˜¡¸ ¡¸¸½¸›¸¸ / Voluntary Health Scheme

(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)
¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
Particulars ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Year ended Year ended
March 31, 2024 March 31, 2023
ˆºÅ¥¸ ¤¸úŸ¸¸¿¢ˆÅˆÅ ™½¡¸÷¸¸ / Total Actuarial Liability 61 60

š¸¸£µ¸¸‡¿ / Assumptions
Ž»’ ˆÅú ™£ / Discount Rate 7.24% 7.52%

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Corporate Overview Statutory Reports Financial Statements

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Schedules to the Consolidated Financial Statements

3. ¤¸ÿˆÅ ˆ½Å ˆÅŸ¸Ä¸¸£ú ¢¨¸ˆÅ¥¸¸¿Š¸÷¸¸ ¬¸í¸¡¸÷¸¸ ˆ½Å ¢¥¸‡ œ¸¸°¸ íÿ ¸¸½ ¢ˆÅ ¢¨¸ˆÅ¥¸¸¿Š¸÷¸¸ ˆÅú ‹¸’›¸¸ í¸½›¸½ œ¸£ ¤¸ÿˆÅ ׸£¸ ¨¸í›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾.
Employees of the Bank are eligible for Disability Assistance which is borne by the Bank as and when the disability events occur.
4. ž¸¢¨¸«¡¸ ¢›¸¢š¸
Provident Fund
‡‡¬¸15, ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ œ¸£ Ÿ¸¸Š¸Ä™©¸Ä›¸ ›¸¸½’ Ÿ¸Ê ˆÅí¸ Š¸¡¸¸ í¾ ¢ˆÅ ¢›¸¡¸¸½Æ÷¸¸ ׸£¸ ¬˜¸¸¢œ¸÷¸ ž¸¢¨¸«¡¸ ¢›¸¢š¸, ¸í¸¿ ¤¡¸¸¸ ˆÅú Š¸¸£¿’ú í¾, ˆÅ¸½ ¢›¸¢™Ä«’ ¥¸¸ž¸ ¡¸¸½¸›¸¸‚¸Ê ˆ½Å
³Åœ¸ Ÿ¸Ê Ÿ¸¸›¸¸ ¸¸›¸¸ ¸¸¢í‡ ‚¸¾£ ™¸¢¡¸÷¨¸ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢ˆÅ¡¸¸ ¸¸›¸¸ ¸¸¢í‡. ƒ¿¬’ú’ḻ’ ‚¸ÁûÅ ‡Æ¸º‚£ú¸ ‚¸ÁûÅ ƒ¿¢”¡¸¸ (‚¸ƒÄ‡‚¸ƒÄ) ›¸½ Ž»’ œÏ¸œ÷¸ ž¸¢¨¸«¡¸ ¢›¸¢š¸¡¸¸Ê
œ¸£ Š¸¸£¿’úˆ¼Å÷¸ ¤¡¸¸¸ ™£ ˆ½ Ÿ¸»¥¡¸¸¿ˆÅ›¸ œ¸£ ‡ˆÅ Ÿ¸¸Š¸Ä™©¸Ä›¸ ›¸¸½’ ¸¸£ú ¢ˆÅ¡¸¸ í¾. ¤¸úŸ¸¸¿ˆÅˆÅ ›¸½ ÷¸™›¸º¬¸¸£ ƒ¬¸ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢ˆÅ¡¸¸ í¾ ‚¸¾£ ¤¸ÿˆÅ ›¸½ Š¸¸£¿’úˆ¼Å÷¸ ¤¡¸¸¸ ¥¸¸ž¸
™¸¢¡¸÷¨¸ ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ ˆ½Å ¢¥¸‡ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ©¸»›¡¸ ˆÅ¸ œÏ¸¨¸š¸¸›¸ £‰¸¸ í¾.
The guidance note on AS15, Employee Benefits, states that Employer established Provident Funds,
where interest is guaranteed are to be considered as defined benefit plans and the liability has to be valued. The Institute of
Actuaries of India (IAI) has issued a guidance note on valuation of interest rate guaranteed on exempt provident funds. The
actuary has accordingly valued the same and the Bank held provision of NIL as on March 31, 2024 towards the present value
of the guaranteed interest benefit obligation.

ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ ˆ½Å ¢¥¸‡ ‚¢÷¸¢£Æ÷¸ œÏ¸¨¸š¸¸›¸ \ Additional Provision towards Employee Benefits
›¸¨¸¿¤¸£ 2022-‚Æ÷¸»¤¸£ 2027 ˆÅú ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ œÏ¬÷¸¸¢¨¸÷¸ ¬¸¿©¸¸½¢š¸÷¸ ¨¸½÷¸›¸Ÿ¸¸›¸ ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆ½Å œÏž¸¸¨¸ ¬¸½ „÷œ¸››¸ í¸½›¸½ ¨¸¸¥¸ú ‚¢÷¸¢£Æ÷¸ ™½¡¸÷¸¸ ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½
ˆ½Å ¢¥¸‡ ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ í½÷¸º ‚¢÷¸¢£Æ÷¸ œÏ¸¨¸š¸¸›¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾À
An additional provision towards employee benefits has been made to meet the additional liability which may arise in effect of
implementation of proposed revised pay scale for the period Nov 2022- October 2027 as under
(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)
¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
Particulars ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Year ended Year ended
March 31, 2024 March 31, 2023
œ¸Ê©¸›¸ / Pension 22 190

ŠÏ½¡¸º’ú /Gratuity 3 48

Žº¢’Ã’¡¸¸Â / Leave 148 112

ˆºÅ¥¸ / Total 173 350

„œ¸¡¸ºÄÆ÷¸ ÷¸¸¢¥¸ˆÅ¸ Ÿ¸Ê ŠÏ½¡¸º’ú ˆÅú ¢›¸¢™Ä«’ ¥¸¸ž¸ ¡¸¸½¸›¸¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢™‡ Š¸‡ ¢¨¸¨¸£µ¸ „œ¸¡¸ºÄÆ÷¸ œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸½ œÏž¸¸¢¨¸÷¸ ›¸íú¿ ˆÅ£÷¸½ íÿ.
Details given under Defined benefit scheme of gratuity in table above do not have effect of the above provision

4. ‰¸¿” ¢£œ¸¸½¢’ôŠ¸ (‡‡¬¸-17) / SEGMENT REPORTING (AS-17)

¤¸ÿˆÅ Ÿ¸º‰¡¸÷¸À ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ÷¸ú›¸ ˆÅ¸£¸½¤¸¸£ú ‰¸¿”¸Ê Ÿ¸Ê œ¸¢£¸¸¥¸›¸ ˆÅ£÷¸¸ í¾ À
The Bank primarily operates in three business segments as under:

i) ’ｏ¸£ú / Treasury ’ｏ¸£ú œ¸¢£¸¸¥¸›¸ Ÿ¸Ê ¬¸ž¸ú ¢›¸¨¸½©¸, Ÿ¸ºÍ¸ ¤¸¸{¸¸£ œ¸¢£¸¸¥¸›¸, ”½¢£¨¸½¢’¨¸ ¬¸¸¾™½, œÏ¸½œÏ¸ƒ’£ú ‰¸¸÷¸¸Ê Ÿ¸Ê ‚¸¾£ ŠÏ¸íˆÅ¸Ê ˆ½Å
¢¥¸‡ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ œ¸¢£¸¸¥¸›¸ ©¸¸¢Ÿ¸¥¸ íÿ.
Treasury operations include all investments, money market operations, derivative
trading, and foreign exchange operations on the proprietary account and for customers.

ii) ‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ / Retail Banking ‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ Ÿ¸Ê Ÿ¸¸½’½ ÷¸¸¾£ œ¸£ †µ¸ ‚¸¾£ ¸Ÿ¸¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸ ©¸¸¢Ÿ¸¥¸ íÿ ¸¸½ Ÿ¸º‰¡¸ ³Åœ¸ ¬¸½ ¨¸¾¡¸¢Æ÷¸ˆÅ ‚¸¾£
œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ œÏ¸œ÷¸ ®¸½°¸ ˆÅ¸½ „š¸¸£ ¬¸¢í÷¸ ¥¸‹¸º ˆÅ¸£¸½¤¸¸£ „›Ÿ¸º‰¸ íÿ. ‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ Ÿ¸Ê ž¸ºŠ¸÷¸¸›¸ ‡¨¸¿ ¨¸¾ˆÅ¦¥œ¸ˆÅ ¸¾›¸¥¸
¸¾¬¸½ ‡’ú‡Ÿ¸, œ¸ú‚¸½‡¬¸ Ÿ¸©¸ú›¸Ê, ƒ›’£›¸½’ ¤¸ÿ¢ˆ¿ÅŠ¸, Ÿ¸¸½¤¸¸ƒ¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸, ǽŢ”’ ˆÅ¸”Ä, ”½¢¤¸’ ˆÅ¸”Ä, ’ｨ¸¥¸/ ˆÅ£Ê¬¸ú
ˆÅ¸”Ä ‚¸¾£ ¥¸½›¸™½›¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¬¸½¨¸¸‡¿ ž¸ú ©¸¸¢Ÿ¸¥¸ íÿ.
Retail Banking broadly includes credit and deposit activities that are primarily oriented
towards individuals & small business including Priority sector lending. Retail Banking
also encompasses payment and alternate channels like ATMs, POS machines,
internet Banking, mobile Banking, credit cards, debit cards, travel/currency cards, and
transaction Banking services.

dm{f©H$ [anmoQ>© Annual Report 2023-24 527

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iii) ˆÅ¸Á£œ¸¸½£½’ / ˜¸¸½ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ ƒ¬¸Ÿ¸Ê ‰¸º™£¸ ˆ½Å ‚¥¸¸¨¸¸ ¸Ÿ¸¸ ‡¨¸¿ †µ¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸ ¬¸¢í÷¸ ˆÅ¸Á£œ¸¸½£½’ ¬¸¿¤¸¿š¸ ©¸¸¢Ÿ¸¥¸ íÿ. ƒ¬¸Ÿ¸Ê ˆÅ¸Á£œ¸¸½£½’
Corporate / Wholesale Banking ¬¸¥¸¸íˆÅ¸£ú/ ¬¸Ÿ¸»í›¸, œ¸¢£¡¸¸½¸›¸¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ž¸ú ©¸¸¢Ÿ¸¥¸ í¾. ˆÅ¸Á£œ¸¸½£½’/ ˜¸¸½ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ ‰¸¿” Ÿ¸Ê œ¸¢£µ¸¸Ÿ¸, £¸¸¬¨¸
‚¸¾£ ‚¿÷¸£¸Ä«’ïú¡¸ œ¸¢£¸¸¥¸›¸¸Ê ¬¸¿¤¸¿š¸ú ¢›¸¡¸¸½¢¸÷¸ œ¸»¿¸ú ©¸¸¢Ÿ¸¥¸ ˆÅú ¸¸÷¸ú íÿ.
Includes corporate relationship covering deposit & credit activities other than retail. It
also covers corporate advisory / syndication, project appraisal. Results, revenue and
capital employed of international operations are included in Corporate/Wholesale
Banking segment.

iv) ‚¢¨¸¢›¸š¸¸¢›¸÷¸ / Unallocated ƒ¬¸Ÿ¸Ê œÏ¸¨¸š¸¸›¸ ‹¸’¸ˆÅ£ ‚¢ŠÏŸ¸ œÏ™î¸ ˆÅ£, ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¾£ ¬¸¿¬˜¸¸ ¬÷¸£ œ¸£ Š¸µ¸›¸¸ ¢ˆÅ¡¸½ Š¸¡¸½ œÏ¸¨¸š¸¸›¸¸Ê
¸¾¬¸ú Ÿ¸™Ê ©¸¸¢Ÿ¸¥¸ íÿ.
Includes items such as tax paid in advance net of provision, deferred tax and provisions
to the extent reckoned at the entity level.

(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ¬¸Ÿ¸½¢ˆÅ÷¸ ‰¸¿” ¬¸»¸›¸¸
Consolidated Segment Information for the year ended March 31, 2024
ÇÅŸ¸ ¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023
¬¸¿. Particulars March 31, 2024 March 31, 2023
Sr.
No.
ˆÅ. ‰¸¿” £¸¸¬¨¸
a. Segment Revenue
ˆÅ¸Á£œ¸¸½£½’/ ˜¸¸½ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ / Corporate/Wholesale banking 8,766 6,138
‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ / Retail banking 30,104 25,092
’ｏ¸£ú / Treasury 13,362 9,606
‚›¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ œ¸¢£¸¸¥¸›¸ / Other banking operations 587 452
‚¢¨¸¢›¸š¸¸¢›¸÷¸ / Unallocated 88 300
ˆºÅ¥¸ / Total 52,907 41,588
‹¸’¸‡¿ À- ‚¿÷¸£-‰¸¿” £¸¸¬¨¸ / Less :- Inter-segment revenue 22,537 16,421
¢›¸¨¸¥¸ ‰¸¿” £¸¸¬¨¸ / Net Segment Revenue 30,370 25,167
‰¸. ‰¸¿” œ¸¢£µ¸¸Ÿ¸ - ˆÅ£ œ¸»¨¸Ä ¥¸¸ž¸/ (í¸¢›¸)
b. Segment Results -Profit/(loss) before tax
ˆÅ¸Á£œ¸¸½£½’ / ˜¸¸½ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ / Corporate/Wholesale banking 3,579 3,439
‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ / Retail banking 2,261 977
’ｏ¸£ú / Treasury 2,179 422
‚›¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ œ¸¢£¸¸¥¸›¸ / Other banking operations 286 186
‚¢¨¸¢›¸š¸¸¢›¸÷¸ / Unallocated 87 300
ˆÅ£ œ¸»¨¸Ä ¥¸¸ž¸/ (í¸¢›¸) / Profit/(Loss) before tax 8,392 5,324
‚¸¡¸ ˆÅ£ / Income taxes 2,604 1,618
¢›¸¨¸¥¸ ¥¸¸ž¸/ (í¸¢›¸) / Net profit/(Loss) 5,788 3,706
Š¸. ‰¸¿” ‚¸¦¬÷¸¡¸¸¿
c. Segment assets
ˆÅ¸Á£œ¸¸½£½’ / ˜¸¸½ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ / Corporate/Wholesale banking 50,460 46,142
‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ / Retail banking 1,41,951 1,29,710
’ｏ¸£ú / Treasury 1,59,518 1,40,884
‚›¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ œ¸¢£¸¸¥¸›¸ / Other banking operations 691 679
‚¢¨¸¢›¸š¸¸›¸ú÷¸ ‚¸¦¬÷¸¡¸¸¿ / Unallocated assets 11,652 14,083
ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸¿ / Total assets 3,64,272 3,31,498

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g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

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(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ¬¸Ÿ¸½¢ˆÅ÷¸ ‰¸¿” ¬¸»¸›¸¸
Consolidated Segment Information for the year ended March 31, 2024
ÇÅŸ¸ ¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023
¬¸¿. Particulars March 31, 2024 March 31, 2023
Sr.
No.
‹¸. ‰¸¿” ™½¡¸÷¸¸‡¿
d. Segment liabilities
ˆÅ¸Á£œ¸¸½£½’ / ˜¸¸½ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ / Corporate/Wholesale banking 30,592 19,184
‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ / Retail banking 2,61,700 2,50,402
’ｏ¸£ú / Treasury 20,692 15,403
‚›¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ œ¸¢£¸¸¥¸›¸ / Other banking operations 215 190
‚¢¨¸¢›¸š¸¸›¸ú÷¸ ™½¡¸÷¸¸‡¿ / Unallocated liabilities - -
ˆºÅ¥¸ ™½¡¸÷¸¸‡¿ / Total liabilities 3,13,199 2,85,179
”õ. œ¸»¿¸ú ¢›¸¡¸¸½¸›¸ (‰¸¿” ‚¸¦¬÷¸¡¸¸¿- ‰¸¿” ™½¡¸÷¸¸‡¿)
e. Capital employed (Segment assets-Segment liabilities)
ˆÅ¸Á£œ¸¸½£½’/ ˜¸¸½ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ / Corporate/Wholesale banking 19,868 26,958
‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ / Retail banking (1,19,749) (1,20,692)
’ｏ¸£ú / Treasury 1,38,826 1,25,481
‚›¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ œ¸¢£¸¸¥¸›¸ / Other banking operations 476 489
‚¢¨¸¢›¸š¸¸¢›¸÷¸ / Unallocated 11,652 14,083
ˆºÅ¥¸ / TOTAL 51,073 46,319

• ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å Ÿ¸¸¾¸»™¸ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ‚¸¾£ ¥¸¸Š¸» ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ (‡‡¬¸) - 17, '‰¸¿” ¢£œ¸¸½¢’ôŠ¸' ˆ½Å ‚›¸ºœ¸¸¥¸›¸ Ÿ¸Ê, ¢£œ¸¸½’Ä ˆÅ£›¸½ ¡¸¸½Š¡¸ ‰¸¿”¸Ê ˆÅ¸½ ’ｏ¸£ú,
ˆÅ¸Áœ¸¸½Ä£½’/ ˜¸¸½ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸, ‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ‚¸¾£ ‚›¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ˆÅ¸¡¸¸½ô ˆ½Å ³Åœ¸ Ÿ¸Ê œ¸í¸¸›¸¸ ¸¸÷¸¸ í¾.
As per extant RBI guidelines and in compliance with the applicable Accounting Standard (AS) – 17, ‘Segment Reporting’,
reportable segments are identified as Treasury, Corporate/Wholesale Banking, Retail Banking and other banking operations.

• ¡¸¸½¸›¸¸‚¸Ê ‚¸¾£ ¬¸½¨¸¸‚¸Ê ˆ½Å ¬¨¸² œ¸ ‚¸¾£ ¸¸½¢‰¸Ÿ¸ œÏ¸½ûöŸƒ¥¸, ¥¸¢®¸÷¸ ŠÏ¸íˆÅ œÏ¸½ûöŸƒ¥¸, ¬¸¿Š¸“›¸ ¬¸¿£¸›¸¸ ‚¸¾£ ¤¸ÿˆÅ ˆÅú ‚¸¿÷¸¢£ˆÅ ¢£œ¸¸½¢’ôŠ¸ œÏµ¸¸¥¸ú œ¸£ ¢¨¸¸¸£ ˆÅ£›¸½ ˆ½Å
¤¸¸™ ƒ›¸ ‰¸¿”¸Ê ˆÅú œ¸í¸¸›¸ „Æ÷¸ ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ (‡‡¬¸) ˆ½Å ‚›¸º³Åœ¸ ˆÅú Š¸ƒÄ í¾.
These segments have been identified in line with the said Accounting Standard (AS) after considering the nature and risk profile
of the products and services, the target customer profile, the organization structure and the internal reporting system of the
Bank.

• '‰¸¿” œ¸¢£µ¸¸Ÿ¸' ¢›¸š¸¸Ä¢£÷¸ ˆÅ£›¸½ Ÿ¸Ê, ¤¸ÿˆÅ ׸£¸ ‚œ¸›¸¸ƒÄ Š¸ƒÄ ¢›¸¢š¸ ‚¿÷¸£µ¸ Ÿ¸»¥¡¸ œÏµ¸¸¥¸ú ˆÅ¸ ƒ¬÷¸½Ÿ¸¸¥¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
In determining ‘Segment Results’, the funds transfer price mechanism adopted by the Bank has been used.

• œ¸¢£µ¸¸Ÿ¸, £¸¸¬¨¸ ‚¸¾£ ‚¿÷¸£¸Ä«’ïú¡¸ œ¸¢£¸¸¥¸›¸¸Ê ˆ½Å ¢›¸¡¸¸½¢¸÷¸ œ¸»¿¸ú ˆÅ¸½ ˆÅ¸Á£œ¸¸½£½’/ ˜¸¸½ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ ‰¸¿” Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
Results, Revenue and Capital Employed of International operations are included in Corporate/Wholesale Banking segment.

• ¥¸¢®¸÷¸ ŠÏ¸íˆÅ œÏ¸½ûŸƒ¥¸, ¡¸¸½¸›¸¸‚¸Ê ‚¸¾£ ¬¸½¨¸¸‚¸Ê ˆÅú œÏˆ¼Å¢÷¸, ¢¨¸¢ž¸››¸ ¸¸½¢‰¸Ÿ¸¸Ê ‚¸¾£ œÏ¢÷¸¥¸¸ž¸¸Ê, ¬¸¿Š¸“›¸ ¬¸¿£¸›¸¸, ‚¸¿÷¸¢£ˆÅ ¨¡¸¸œ¸¸£ ¢£œ¸¸½¢’ôŠ¸ œÏµ¸¸¥¸ú ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê
£‰¸÷¸½ íº‡ ¨¡¸¸œ¸¸£ ‰¸¿”¸Ê ˆÅú œ¸í¸¸›¸ ‚¸¾£ ¢£œ¸¸½’Ä ˆÅú Š¸ƒÄ í¾ ‚¸¾£ ¢”¢¸’¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ƒˆÅ¸ƒ¡¸¸Ê (”ú¤¸ú¡¸») ˆÅú ¬˜¸¸œ¸›¸¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ¸¸£ú 7 ‚œÏ¾¥¸ 2022
ˆ½Å ‚œ¸›¸½ œ¸¢£œ¸°¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¢›¸š¸¸Ä¢£÷¸ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¢£{¸¨¸Ä ¤¸ÿˆÅ ›¸½ ¢£’½¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ‰¸¿” ˆ½Å „œ¸-‰¸¿” ˆ½Å ³Åœ¸ Ÿ¸Ê ¢”¢¸’¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ‰¸¿” ˆÅú ¢£œ¸¸½¢’ôŠ¸
¢›¸š¸¸Ä¢£÷¸ ˆÅú í¾. ¤¸ÿˆÅ ˆ½Å œÏ¬÷¸¸¢¨¸÷¸ ”ú¤¸ú¡¸» ›¸½ œ¸¢£¸¸¥¸›¸ ©¸º³ ›¸íú¿ ¢ˆÅ¡¸¸ í¾ ‚¸¾£ ž¸¸£÷¸ú¡¸ ¤¸ÿˆÅ ¬¸¿‹¸ (‚¸ƒÄ¤¸ú‡) (¢¸¬¸Ÿ¸Ê ¤¸ÿˆÅ¸Ê ‚¸¾£ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å œÏ¢÷¸¢›¸¢š¸ ©¸¸¢Ÿ¸¥¸
íÿ) ׸£¸ Š¸¢“÷¸ ”ú¤¸ú¡¸» ¨¸¢ˆôÅŠ¸ ŠÏºœ¸ ˆÅú ¸¸¸Ä‚¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê, ‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ‰¸¿” ˆ½Å ‡ˆÅ ‚¥¸Š¸ „œ¸‰¸¿” ˆ½Å ³Åœ¸ Ÿ¸Ê ¢”¢¸’¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ˆÅú ¢£œ¸¸½¢’ôŠ¸ ”ú¤¸ú¡¸» ¨¸¢ˆôÅŠ¸ ŠÏºœ¸
ˆ½Å ¢›¸µ¸Ä¡¸ ˆ½Å ‚¸š¸¸£ œ¸£ ¤¸ÿˆÅ ׸£¸ ¥¸¸Š¸» ¢ˆÅ¡¸¸ ¸¸‡Š¸¸.
Business Segments have been identified and reported taking into account the target customer profile, the nature of products
and services, the differing risks and returns, the organization structure, the internal business reporting system and the guidelines
prescribed by the RBI vide its circular dated April 7, 2022 on establishment of Digital Banking Units (DBUs), the RBI has

dm{f©H$ [anmoQ>© Annual Report 2023-24 529

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

prescribed reporting of Digital Banking Segment as a sub-segment of Retail Banking Segment. The proposed DBUs of the Bank
have not commenced operations and having regard to the discussions of the DBU Working Group formed by Indian Banks'
Association (IBA) (which included representatives of banks and RBI), reporting of Digital Banking as a separate sub-segment of
Retail Banking Segment will be implemented by the Bank based on the decision of the DBU Working Group.

• 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸, ¤¸ÿˆÅ ›¸½ ›¸ƒÄ œÏ¢÷¸ž¸»¢÷¸ £¬¸ú™¸Ê (Ÿ¸¸½¸›¸ ˆÅ¸½ ‹¸’¸ˆÅ£) ˆ½Å ‚¢š¸ŠÏíµ¸ ˆ½Å œÏ¢÷¸ `265 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä `1426 ˆÅ£¸½”õ)
ˆÅ¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ í¾.
During year ended March 31, 2024, bank has made provision of `265 crore (Previous Year: `1426 crore) against acquisition of
new security receipts (Net of redemption).

• ¤¸ÿˆÅ ›¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‚¸£‡ûÅ 1.0, ‚¸£‡ûÅ 2.0 ‚¸¾£ ‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ ‚¸½’ú‚¸£ ˆ½Å ÷¸í÷¸ œ¸º›¸¬¸ô£¢¸÷¸ `2315 ˆÅ£¸½”õ ˆ½Å ˆºÅ¥¸ Ÿ¸¸›¸ˆÅ ‰¸º™£¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ˆ½Å
80% ˆ½Å ¢¥¸‡ `1843 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä `1836 ˆÅ£¸½”õ) ˆÅ¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ í¾.
The bank has made provision of `1843 crore (Previous Year: `1836 crore) at 80% on the total standard retail portfolio restructured
under RF 1.0, RF 2.0 and MSME OTR of `2315 crore as on March 31, 2024.

• ‰¸¿” £¸¸¬¨¸ Ÿ¸Ê ¤¸ÿˆÅ ׸£¸ ‚›¸º¬¸£µ¸ ˆÅú Š¸ƒÄ ¢›¸¢š¸ ‚¿÷¸£µ¸ ˆÅúŸ¸÷¸ ¢›¸š¸¸Ä£µ¸ œÏµ¸¸¥¸ú ˆ½Å ‚›¸º¬¸¸£ ¬¸¿Š¸¢µ¸÷¸ ‚¿÷¸£-‰¸¿” £¸¸¬¨¸ ©¸¸¢Ÿ¸¥¸ í¾.
The segment revenue includes inter-segment revenue computed as per Fund Transfer Pricing system followed by the Bank.

• ¤¸ÿˆÅ Ÿ¸º‰¡¸ ³Åœ¸ ¬¸½ ž¸¸£÷¸ Ÿ¸Ê œ¸¢£¸¸¥¸›¸ ˆÅ£÷¸¸ í¾, ‚÷¸À ¤¸ÿˆÅ ›¸½ ¡¸í Ÿ¸¸›¸¸ í¾ ¢ˆÅ ƒ¬¸ˆ½Å œ¸¢£¸¸¥¸›¸ Ÿ¸º‰¡¸ ³Åœ¸ ¬¸½ ™½©¸ú ‰¸¿” Ÿ¸Ê í¸½÷¸½ íÿ ‚¸¾£ ƒ¬¸¢¥¸‡ ¢£œ¸¸½’Ä ˆÅ£›¸½ ¡¸¸½Š¡¸
ˆÅ¸½ƒÄ ž¸¸¾Š¸¸½¢¥¸ˆÅ ‰¸¿” ›¸íú¿ í¾.
The Bank primarily operates in India, hence the Bank has considered that its operations are predominantly in the domestic
segment and as such there are no reportable geographical segments.

• ¤¸ÿˆÅ ›¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¸ƒÄ‚¸£‡¬¸ú Ÿ¸¸›¸™¿”¸Ê ¬¸½ ‚¢š¸ˆÅ `1332 ˆÅ£¸½”õ ˆÅ¸ ‚¢÷¸¢£Æ÷¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ í¾.
During the year ended March 31, 2024, bank has made additional provision of `1332 crore over & above the IRAC norms.

5. ¬¸¿¤¸Ö œ¸®¸ˆÅ¸£ ˆÅ¸ œÏˆÅ’›¸ (‡‡¬¸-18) / RELATED PARTY DISCLOSURES (AS-18)

‚. ‡‡¬¸-18 ˆ½Å ‚›¸º¬¸¸£ ¬¸¿¤¸Ö œ¸®¸ˆÅ¸£ ˆÅú ¬¸»¸ú
A. List of related party as per AS-18
I. œÏ¨¸÷¸ÄˆÅ / Promoter
• ž¸¸£÷¸ú¡¸ ¸ú¨¸›¸ ¤¸úŸ¸¸ ¢›¸Š¸Ÿ¸ (‡¥¸‚¸ƒÄ¬¸ú) / Life Insurance Corporation of India (LIC)
II. ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‡¿ / Associates
• ¤¸¸¡¸¸½’½ˆÅ ˆÅ¸Á›¬¸¸½¢’Ä¡¸Ÿ¸ ƒ¿¢”¡¸¸ ¢¥¸. / Biotech Consortium India Ltd.
• ›¸½©¸›¸¥¸ ¢¬¸Æ¡¸º¢£’ú¸ ¢”œ¸¸Á¢¸’£ú ¢¥¸. / National Securities Depository Ltd.
• ›¸¸Á˜¸Ä ƒÄ¬’›¸Ä ”½¨¸¥¸œ¸Ÿ¸Ê’ ûöŸƒ›¸Ê¬¸ ˆÅ¸œ¸¸½Ä£½©¸›¸ ¢¥¸. / North Eastern Development Finance Corporation Ltd.
• œ¸¸¿¢”¸½£ú ƒ¿”¢¬’¥¸ œÏŸ¸¸½©¸›¸ ”½¨¸¥¸œ¸Ÿ¸½¿’ ‡¿” ƒ›¨¸½¬’Ÿ¸Ê’ ˆÅ¸Á£œ¸¸½£½©¸›¸ ¢¥¸. (œ¸ú‚¸ƒÄœ¸ú”ú‚¸ƒÄ¬¸ú‡¥¸)
Pondicherry Industrial Promotion Development and Investment Corporation Ltd. (PIPDICL)

III. ¤¸ÿˆÅ ˆ½Å Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ / Key management personnel of the Bank
• ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä, œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ ¬¸úƒÄ‚¸½ / Shri Rakesh Sharma, MD & CEO
• ªú ¬¸¾Ÿ¡¸º‚¥¸ ¸¸½¬¸½ûÅ ¸½¤¸£¸¸, ”ú‡Ÿ¸”ú (5 ‚œÏ¾¥¸ 2023 ÷¸ˆÅ) / Shri Samuel Joseph Jebaraj, DMD ( upto April 5, 2023)
• ªú ¬¸º£½©¸ ¢ˆÅ©¸›¸¸¿™ ‰¸’›¸í¸£, ”ú‡Ÿ¸”ú (14 ¸›¸¨¸£ú 2024 ÷¸ˆÅ)/ Shri Suresh Kishanchand Khatanhar, DMD ( upto January 14, 2024)
• ªú ¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾, ”ú‡Ÿ¸”ú (12 ¸»›¸ 2023 ¬¸½) / Shri Jayakumar S. Pillai, DMD (From June 12, 2023)
• ªúŸ¸÷¸ú ¦¬Ÿ¸÷¸¸ í£ú©¸ ˆºÅ¤¸½£, ¬¸ú‡ûöÅ‚¸½ / Smt. Smita Harish Kuber, CFO
• ªúŸ¸÷¸ú ¡¸¸½¢÷¸ ›¸¸¡¸£, ˆ¿Åœ¸›¸ú ¬¸¢¸¨¸ / Smt. Jyothi Nair, Company Secretary

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IV. ˆ½Å‡Ÿ¸œ¸ú ˆ½Å ¢£©÷¸½™¸£ ‚¸¾£ „›¸ˆÅú ¢í÷¸¤¸Ö ¬¸¿¬˜¸¸‡¿ / Relative of KMP & their Interested entities
• ªúŸ¸÷¸ú ‚¢›¸÷¸¸ ©¸Ÿ¸¸Ä, ªú í«¸Ä¨¸š¸Ä›¸ ©¸Ÿ¸¸Ä, ªú œ¸¸˜¸Ä ©¸Ÿ¸¸Ä, ªúŸ¸÷¸ú ˆÅ² ›¡¸¸ œ¸º¥¸ú Š¸Ó¸, ªú £¸¸½©¸ ˆºÅŸ¸¸£ ¥¸¨¸, ªúŸ¸÷¸ú ‚¸©¸¸ Š¸¸½¬¨¸¸Ÿ¸ú, ªúŸ¸÷¸ú
¢›¸¢š¸ ©¸Ÿ¸¸Ä, ªúŸ¸÷¸ú ©¸¾¥¸¸¸ ˆÅ¸¾©¸¥¸, ”¸Á. Ÿ¸º˜¸º¥¸®Ÿ¸ú £¸Ÿ¸¸¬¨¸¸Ÿ¸ú, ªú ¬¸¾Ÿ¡¸º‚¥¸ ¸¸Á¸Ä ¬’úûÅ›¸ ¸½¤¸£¸¸, ªúŸ¸÷¸ú Ÿ¸¾£ú ¸½¤¸£¸¸, ªú Š¸½¢¤Ï¡¸¥¸
¬’úûÅ›¸ £¸Ÿ¡¸¸ˆºÅŸ¸¸£ ¬¸¾Ÿ¡¸º‚¥¸, ƒ¨¸¸¿Š¸½¢¥¸›¸ Ÿ¸¾£ú ¢ˆÅ² ¤¸¸ ¬¸¾Ÿ¡¸º‚¥¸, ¸¸Á›¸ ‚¥¸½Æ¸Ê”£ ¸½¤¸£¸¸, ©¸¸¿¢÷¸ ¥¸¸¨¸µ¡¸¸ œ¸¸Á¥¸, ƒ¨¸¸¿Š¸½¢¥¸›¸ ¢¬¸¿¢˜¸¡¸¸
£¸¸ˆºÅŸ¸¸£, ªúŸ¸÷¸ú ¢¨¸¢™©¸¸ ¬¸º£½©¸ ‰¸’›¸í¸£, ªú ¢ˆÅ©¸›¸¸¿™ ‰¸’›¸í¸£, ªúŸ¸÷¸ú £¸›¸ú ‰¸’›¸í¸£, ªú ¥¸¨¸½©¸ ‰¸’›¸í¸£, ªú £Ÿ¸½©¸ ‰¸’›¸í¸£,
ªúŸ¸÷¸ú œ¸»›¸Ÿ¸ ˆÅ£µ¸ú, ªúŸ¸÷¸ú ¬¸ú÷¸¸¥¸®Ÿ¸ú ‚¸£, ªú ¸½ ¬¸º¤ÏŸ¸µ¡¸Ÿ¸ ¢œ¸¥¥¸¾, ªúŸ¸÷¸ú œ¸Ð¸¸¨¸÷¸ú ‚ŸŸ¸¥¸, ªú ‚£¢¨¸¿™ ¸¡¸›¸, ˆºÅ. ›¸¿™›¸¸ ¸¡¸›¸, ªú
œ¸Ð¸ˆºÅŸ¸¸£ ‡¬¸, £¸›¸ú œ¸ú‡¬¸, ªú í£ú©¸ ¢¨¸›¸¸¡¸ˆÅ ˆºÅ¤¸½£, ªú ™î¸¸°¸½¡¸ ¸½. œ¸¸š¡¸½, ªúŸ¸÷¸ú ©¸ºž¸¸¿Š¸ú ”ú. œ¸¸š¡¸½, ¢¸›Ÿ¸¡¸ú ‡¸. ˆºÅ¤¸½£, ªú ¢¸÷¸ÊÍ
”ú. œ¸¸š¡¸½, ªúŸ¸÷¸ú ž¸¸¨¸›¸¸ ‡¸. œ¸¸œ¸’, ªú ¤¸ú¸» ›¸¸¡¸£, ªú ˆºÅ’Ã’ú ˆ¼Å«µ¸›¸ ›¸¸¡¸£, ªúŸ¸÷¸ú ™½¨¸ú ˆ½Å ›¸¸¡¸£, ‚¢™°¸ú ›¸¸¡¸£, œÏú¢÷¸ ¸¸¨¸¸ú, £½¢÷¸
›¸¸¡¸£.
Smt. Anita Sharma, Shri. Harshvardhan Sharma, Shri Parth Sharma, Smt. Karunya Puli Gadda, Shri.Rajesh Kumar
Lav, Smt. Asha Goswami, Smt. Nidhi Sharma, Smt. Shailja Kaushal, Dr. Muthulakshmi Ramaswamy, Shri Samuel
George Stephen Jebaraj, Smt. Mary Jebaraj, Shri Gabriel Stephen Ramyakumar Samuel, Evangeline Mary Kiruba
Samuel, John Alexander Jebaraj, Shanthi Lavanya Paul, Evangeline Cynthia Rajkumar, Smt. Vidisha Suresh
Khatanhar, Shri Kishanchand Khatanhar, Smt. Rajni Khatanhar, Shri Lavesh Khatanhar, Shri Ramesh Khatanhar,
Smt. Poonam Karani, Smt. Seethalekshmy R , Shri J Subramonia Pillai , Smt. Padmavathy Ammal , Shri Aravind
Jayan , Kum. Nandana Jayan , Shri Padmakumar S , Rani PS , Shri Harish Vinayak Kuber , Shri Dattatraya J.
Padhye , Smt. Shubhangi D. Padhye , Chinmayee H. Kuber , Shri Jitendra D. Padhye Smt. Bhavna H. Papat ,Shri
Biju Nair, Shri Kutty Krishnan Nair, Smt. Devi K Nair, Aditri Nair, Preethi Javaji, Rethi Nair.

• ¬¸¿¬˜¸¸‡¿ ¢¸›¸Ÿ¸Ê ˆ½Å‡Ÿ¸œ¸ú ˆÅ¸ ¢í÷¸ í¾ - ‡¬¸‚¸ƒÄ‚¸£‡ûÅ ƒ›¨¸½¬’Ÿ¸Ê’ œÏ¸. ¢¥¸. ‚¸¾£ ¬¸¸½©¸¥¸ û»Å’¢œÏ¿’ œÏ¸. ¢¥¸. / Entities in which KMPs have
Interest - SIRF Investment Pvt. Ltd. & Social Footprint Pvt. Ltd

‚¸. ¬¸Ÿ¸»í ˆ½Å ¬¸¿¤¸¿¢š¸÷¸ œ¸®¸ˆÅ¸£¸Ê ˆ½Å ¬¸¸˜¸ ¥¸½›¸™½›¸ ˆÅ¸ ¢¨¸¨¸£µ¸
B. Details of Transactions with Related Parties to the Group
(i) 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¬¸¿¤¸¿¢š¸÷¸ œ¸®¸¸Ê ˆ½Å ¬¸¸˜¸ ¥¸½›¸™½›¸ /©¸½«¸ £¸¢©¸
Transactions/ balances with related parties during the year ended March 31, 2024
(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)
¢¨¸¨¸£µ¸ œÏ¨¸÷¸ÄˆÅ ¬¸¿¡¸ºÆ÷¸ ¬¸í¡¸¸½Š¸ú # Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆºÅ¥¸
Particulars Promoter „Ô¸Ÿ¸ Associates# ˆÅ¸¢Ÿ¸ÄˆÅ $ @ Total
Joint Key
Ventures Management
Personnel $ @
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ˆÅ¸¡¸¸ „š¸¸£ - - - - -
Borrowings Outstanding during the year
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ˆÅ¸¡¸¸ „š¸¸£ ˆÅú ‚¢š¸ˆÅ÷¸Ÿ¸ £¸¢©¸ - - - - -
Maximum amount of borrowings outstanding
during the year
31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¤¸ˆÅ¸¡¸¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ 4,696 - 61 - 4,757
Deposits outstanding as on March 31, 2024

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ˆÅ¸¡¸¸ ¸Ÿ¸¸£¸¢©¸¡¸¸Ê ˆÅú ‚¢š¸ˆÅ÷¸Ÿ¸ £¸¢©¸ 23,524 - 219 - 23,743
Maximum amount of Deposits outstanding during
the year

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¤¸ˆÅ¸¡¸¸ ‚›¡¸ ™½¡¸÷¸¸‡¿ 1 - - - 1

Other Liabilities outstanding as on March 31, 2024

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ˆÅ¸¡¸¸ ‚›¡¸ ™½¡¸÷¸¸‚¸Ê ˆÅú ‚¢š¸ˆÅ÷¸Ÿ¸ £¸¢©¸ 1 - - - 1

Maximum amount of other Liabilities outstanding
during the year

dm{f©H$ [anmoQ>© Annual Report 2023-24 531

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)

¢¨¸¨¸£µ¸ œÏ¨¸÷¸ÄˆÅ ¬¸¿¡¸ºÆ÷¸ ¬¸í¡¸¸½Š¸ú #
Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆºÅ¥¸
Particulars Promoter „Ô¸Ÿ¸ Associates# ˆÅ¸¢Ÿ¸ÄˆÅ $ @ Total
Joint Key
Ventures Management
Personnel $ @

¤¸ˆÅ¸¡¸¸ ¢›¸¨¸½©¸ - - - - -
Investments Outstanding

¤¸ˆÅ¸¡¸¸ ‚¢š¸ˆÅ÷¸Ÿ¸ ¢›¸¨¸½©¸ - - - - -

Maximum investments outstanding

31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‚¢ŠÏŸ¸ £¸¢©¸¡¸¸¿ 500 - - - 500

Advances as on March 31, 2024
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¢š¸ˆÅ÷¸Ÿ¸ ‚¢ŠÏŸ¸ £¸¢©¸¡¸¸¿ 503 - - - 503
Maximum Advances During the year
31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¤¸ˆÅ¸¡¸¸ œÏ¸œ¡¸ 16 - - - 16
Receivable Outstanding as on March 31, 2024
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ˆÅ¸¡¸¸ œÏ¸œ¡¸ ˆÅú ‚¢š¸ˆÅ÷¸Ÿ¸ £¸¢©¸ 20 - - - 20
Maximum amount of receivable Outstanding
during the Year
¸Ÿ¸¸£¸¢©¸¡¸¸Ê œ¸£ ¤¡¸¸¸ / Interest on deposits 1 - 36 - 37

œ¸¸¢£ª¢Ÿ¸ˆÅ / Remunerations - - - 10 10

¬¸½ ¬¸½¨¸¸‡¿ œÏ¸œ÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¨¡¸¡¸ 10 - 1 - 11

Expenses for receiving services from

ˆÅ¸½ œÏ™¸›¸ ˆÅú Š¸ƒÄ ¬¸½¨¸¸‚¸Ê ¬¸½ ‚¸¡¸ 110 - - - 110

Income from services rendered to

‚¢ŠÏŸ¸ £¸¢©¸¡¸¸Ê œ¸£ ¤¡¸¸¸ ‚¸¡¸ 11 - - - 11

Interest Income on Advances

‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‡¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ˆ½Å ‡¡¸»‡Ÿ¸ ˆÅ¸½ 89 - - - 89

‡¥¸‚¸ƒÄ¬¸ú Ÿ¡¸»¸º‚¥¸ û¿Å” Ÿ¸Ê ‚¿÷¸¢£÷¸ ˆÅ£›¸½ ¬¸½ ¢¤¸ÇÅú œÏ¢÷¸ûÅ¥¸
Sale consideration from transfer of AUM of IDBI
Asset Management Company Limited to LIC
Mutual Fund

„š¸¸£ œ¸£ ¤¡¸¸¸ ¨¡¸¡¸ / Interest Expense on borrowings - - - - -

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ˆÅ¸¡¸¸ Š¸¾£-¢›¸¢š¸ œÏ¢÷¸¤¸Ö÷¸¸‡¿ - - - - -

Non-Funded Commitments outstanding during the
year

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ˆÅ¸¡¸¸ Š¸¾£-¢›¸¢š¸ œÏ¢÷¸¤¸Ö÷¸¸‚¸Ê ˆÅú ‚¢š¸ˆÅ÷¸Ÿ¸ - - - - -

£¸¢©¸
Maximum amount of Non-Funded Commitments
outstanding during the year

# œ¸ú‚¸ƒÄœ¸ú”ú‚¸ƒÄ¬¸ú‡¥¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¤¸ÿˆÅ ˆÅ¸½ ˆ¿Åœ¸›¸ú ¬¸½ ˆÅ¸½ƒÄ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ‚¸¾£ ¥¸½›¸™½›¸ ¢¨¸¨¸£µ¸ œÏ¸œ÷¸ ›¸íú¿ íº‚¸ í¾, ‚÷¸À „œ¸¡¸ºÄÆ÷¸ Ÿ¸Ê ¸¸›¸ˆÅ¸£ú ¬¸Ÿ¸½¢ˆÅ÷¸ ›¸íú¿ í¾. ¤¸ÿˆÅ ›¸½
œ¸ú‚¸ƒÄœ¸ú”ú‚¸ƒÄ¬¸ú‡¥¸ Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅ¸½ ‡ˆÅ ² œ¸¡¸½ ÷¸ˆÅ ˆÅŸ¸ ˆÅ£ ¢™¡¸¸ í¾.
# In respect of PIPDICL, the Bank has not received any financial statements & transactions details from the company hence information not
consolidated in above. The Bank has written down investment in PIPDICL to Rupee one..

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¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ›¸½©¸›¸¥¸ ¢¬¸Æ¡¸¸½¢£’ú¸ ¢”œ¸¸Á¢¸’£ú ¢¥¸¢Ÿ¸’½” (‡›¸‡¬¸”ú‡¥¸) ˆÅú ¸ºˆÅ÷¸¸ ƒ¦Æ¨¸’ú ©¸½¡¸£ œ¸»¿¸ú ˆÅ¸ 26.10% ¢í¬¬¸¸ í¾. ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸ ‡¨¸¿ ¢¨¸¢›¸Ÿ¸¡¸ ¤¸¸½”Ä ›¸½ 06
‚Æ÷¸»¤¸£ 2023 ˆ½Å œ¸°¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ‡›¸‡¬¸”ú‡¥¸ Ÿ¸Ê 14.99% ¬¸½ ‚¢š¸ˆÅ ¤¸ÿˆÅ ˆÅú ¢í¬¬¸½™¸£ú ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê Ÿ¸÷¸™¸›¸ ˆ½Å ‚¢š¸ˆÅ¸£ ‚¸¾£ ¬¸ž¸ú ˆÅ¸Áœ¸¸½Ä£½’ ˆÅ¸£Ä¨¸¸ƒ¡¸¸Ê ˆÅ¸½ ‚¢÷¸¢£Æ÷¸
©¸½¡¸£š¸¸¢£÷¸¸ ˆ½Å ¨¸¸¬÷¸¢¨¸ˆÅ ¢¨¸¢›¸¨¸½©¸ ÷¸ˆÅ œÏ¢÷¸¤¸¿¢š¸÷¸ ˆÅ£ ¢™¡¸¸. í¸¥¸¸Â¢ˆÅ, œÏ¸º£ œÏˆÅ’úˆÅ£µ¸ ˆ½Å ¢í÷¸ Ÿ¸Ê ‚¸¾£ ˆÅ¸›¸»›¸ú ¢¨¸©¸½«¸±¸ ˆÅú £¸¡¸ ˆ½Å ‚¸š¸¸£ œ¸£, ¤¸ÿˆÅ ›¸½ ¤¸ÿˆÅ ׸£¸ ¢¨¸¢ž¸››¸
¬¸¸¿¢¨¸¢š¸ˆÅ ûŸƒ¢¥¸¿Š¸ ˆ½Å ÷¸í÷¸ ‡›¸‡¬¸”ú‡¥¸ ˆÅ¸½ ‡ˆÅ '¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸›¸ú' ˆ½Å ³Åœ¸ Ÿ¸Ê Ÿ¸¸›¡¸÷¸¸ ™½›¸¸ ¸¸£ú £‰¸›¸½ ˆÅ¸ ¢›¸µ¸Ä¡¸ ¢¥¸¡¸¸ í¾ ‚¸¾£ ›¸¨¸ú›¸÷¸Ÿ¸ „œ¸¥¸¤š¸ ¬¸ú¢Ÿ¸÷¸ ¬¸Ÿ¸ú®¸¸ ˆ½Å ¢¨¸î¸ú¡¸
¢¨¸¨¸£µ¸¸Ê ‚˜¸¸Ä÷¸Ã 31 ¢™¬¸¿¤¸£ 2023 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ›¸¸¾ Ÿ¸íú›¸½ ˆÅú ‚¨¸¢š¸ ˆ½Å ‡›¸‡¬¸”ú‡¥¸ ˆ½Å ¢¨¸î¸ú¡¸ œ¸¢£µ¸¸Ÿ¸¸Ê ˆÅ¸½ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢ˆÅ¡¸¸ í¾,
The Bank holds 26.10% of the paid-up equity share capital of National Securities Depository Ltd (NSDL). The Securities Exchange Board of India,
vide letter dated October 06, 2023 restricted the voting rights and all corporate actions in respect of bank’s shareholding in NSDL in excess of
14.99%, until the actual divestment of the excess shareholding. However, in the interest of abundant disclosure and based on a legal expert’s
opinion, the Bank has decided to continue to recognize NSDL as an 'associate company' under the various statutory filings by the Bank and has
consolidated financial results of NSDL based on the latest available limited reviewed financial statements, i.e. as at and up to the period of nine
months ended December 31, 2023.
$ ‡‡¬¸ 18 ˆ½Å œ¸¾£¸ŠÏ¸ûÅ 5 ˆ½Å ‚›¸º¬¸¸£ Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ¸Ê ‚¸¾£ Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ¸Ê ˆ½Å ¢£©÷¸½™¸£¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¤¸ÿˆÅ£-ŠÏ¸íˆÅ ¬¸¿¤¸¿š¸ ˆ½Å ¬¨¸³Åœ¸ ˆ½Å ¥¸½›¸™½›¸¸Ê ˆÅ¸½
œÏˆÅ’ ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
$ In terms of paragraph 5 of AS 18, transactions in the nature of Banker-Customer relationship have not been disclosed in respect of Key
Management Personnel and relatives of Key Management Personnel.

@ 1) Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ¸Ê ˆ½Å ¢¥¸‡ ¬¸½¨¸¸¢›¸¨¸¼¢î¸ ¥¸¸ž¸ ‡ˆÅ ¬¸Ÿ¸ŠÏ œ¸»¥¸ ˆ½Å ¢í¬¬¸½ ˆ½Å ³Åœ¸ Ÿ¸Ê „œ¸¢¸÷¸ í¸½÷¸½ íÿ ‚¸¾£ Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ¸Ê ˆ½Å œÏ¢÷¸ ‚¸¨¸¿¢’÷¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸÷¸¸
í¾.
Retiral Benefits for key managerial personnel are accrued as a part of an overall pool and are not allocated against key managerial
personnel.

œ¸»µ¸ÄˆÅ¸¢¥¸ˆÅ ¢›¸™½©¸ˆÅ¸Ê/Ÿ¸º‰¡¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ‚¢š¸ˆÅ¸¢£¡¸¸Ê/÷¸¸¦÷¨¸ˆÅ ¸¸½¢‰¸Ÿ¸ ¥¸½›¸½ ¨¸¸¥¸½ ‚¸¾£ ¢›¸¡¸¿°¸µ¸ ˆÅ¸¡¸Ä ˆÅ£›¸½ ¨¸¸¥¸½ ¬’¸ûÅ ˆÅ¸½ ®¸¢÷¸œ¸»¢÷¸Ä ˆ½Å ¤¸¸£½ Ÿ¸Ê ¢™›¸¸¿ˆÅ 4
›¸¨¸¿¤¸£ 2019 ˆ½Å ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å œ¸¢£œ¸°¸ ‚¸£¤¸ú‚¸ƒÄ/2019-20/89 ”ú‚¸½‚¸£.‡œ¸úœ¸ú’ú.¤¸ú¬¸ú.¬¸¿.23/29.67.001/2019-20 ˆ½Å ‚›¸º¬¸¸£
2) In accordance with RBI Circular RBI/2019-20/89 DOR.Appt.BC.No.23/29.67.001/2019-20 dated November 4, 2019 on Compensation
of Whole Time Directors/ Chief Executive Officers/ Material Risk Takers and Control Function staff.
¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ¢¥¸‡ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ (›¸ˆÅ™ ‹¸’ˆÅ) ˆ½Å ¢¥¸‡ ˆºÅ¥¸ `1.16 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä `1.48 ˆÅ£¸½”õ) ˆÅ¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸.
For the FY 2023-24, total amount of f1.16 Crore (previous year `1.48 crore) was provided for variable pay (cash
component).

ii. 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¬¸¿¤¸¿¢š¸÷¸ œ¸®¸ˆÅ¸£¸Ê ˆ½Å ¬¸¸˜¸ ¥¸½›¸™½›¸/ ©¸½«¸ £¸¢©¸À
Transactions/ balances with related parties during the year ended March 31, 2023:

(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)

¢¨¸¨¸£µ¸ œÏ¨¸÷¸ÄˆÅ ¬¸¿¡¸ºÆ÷¸ ¬¸í¡¸¸½Š¸ú # Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆºÅ¥¸

Particulars Promoter „Ô¸Ÿ¸ Associates# ˆÅ¸¢Ÿ¸ÄˆÅ $ @ Total
Joint Key
Ventures Management
Personnel $ @

31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¤¸ˆÅ¸¡¸¸ „š¸¸£ - - - - -

Borrowings Outstanding as on March 31, 2023
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ˆÅ¸¡¸¸ „š¸¸£ ˆÅú ‚¢š¸ˆÅ÷¸Ÿ¸ £¸¢©¸ 1,450 - - - 1,450
Maximum amount of borrowings Outstanding
during the year
¸Ÿ¸¸ ˆÅ¸ ¢›¸¡¸¸½¸›¸ / Placement of deposit - - - - -

31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¤¸ˆÅ¸¡¸¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ 5,390 - 89 - 5479

Deposits Outstanding as on March 31, 2023
¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ˆÅ¸¡¸¸ ¸Ÿ¸¸£¸¢©¸¡¸¸Ê ˆÅú ‚¢š¸ˆÅ÷¸Ÿ¸ £¸¢©¸ 9,164 13 314 - 9491
Maximum amount of Deposits Outstanding during
the year

31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¤¸ˆÅ¸¡¸¸ ‚›¡¸ ™½¡¸÷¸¸‡¿ 0.31 - - - 0.31

Other Liabilities Outstanding as on March 31, 2023

dm{f©H$ [anmoQ>© Annual Report 2023-24 533

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)

¢¨¸¨¸£µ¸ œÏ¨¸÷¸ÄˆÅ ¬¸¿¡¸ºÆ÷¸ ¬¸í¡¸¸½Š¸ú # Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆºÅ¥¸

Particulars Promoter „Ô¸Ÿ¸ Associates# ˆÅ¸¢Ÿ¸ÄˆÅ $ @ Total
Joint Key
Ventures Management
Personnel $ @

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ˆÅ¸¡¸¸ ‚›¡¸ ™½¡¸÷¸¸‚¸Ê ˆÅú ‚¢š¸ˆÅ÷¸Ÿ¸ £¸¢©¸ 0.31 0.003 - - 0.31
Maximum amount of Other Liabilities Outstanding
during the year

31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¤¸ˆÅ¸¡¸¸ ¢›¸¨¸½©¸ - - 37 - 37

Investments Outstanding as on March 31, 2023

‚¢š¸ˆÅ÷¸Ÿ¸ ¤¸ˆÅ¸¡¸¸ ¢›¸¨¸½©¸ - 200 37 - 237

Maximum investments Outstanding

31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¤¸ˆÅ¸¡¸¸ œÏ¸œ¡¸ £¸¢©¸ 7 - 0.001 - 7

Receivable Outstanding as on March 31, 2023

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ˆÅ¸¡¸¸ œÏ¸œ¡¸ ˆÅú ‚¢š¸ˆÅ÷¸Ÿ¸ £¸¢©¸ 7 1 0.001 - 8

Maximum amount of receivable Outstanding during
the Year

¸Ÿ¸¸£¸¢©¸¡¸¸Ê œ¸£ ¤¡¸¸¸ / Interest on deposits 1 0.003 7 - 8

œ¸¸¢£ª¢Ÿ¸ˆÅ / Remunerations - - - 8 8

¬¸½ ¬¸½¨¸¸‡¿ œÏ¸œ÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¨¡¸¡¸ 2 - 1 - 3

Expenses for receiving services from

ˆÅ¸½ œÏ™¸›¸ ˆÅú Š¸ƒÄ ¬¸½¨¸¸‚¸Ê ¬¸½ ‚¸¡¸ 77 2 0.10 - 79

Income from services rendered to

‚¢ŠÏŸ¸ £¸¢©¸¡¸¸Ê œ¸£ ¤¡¸¸¸ ‚¸¡¸ - - - - 0

Interest Income on Advances

„š¸¸£ œ¸£ ¤¡¸¸¸ ¨¡¸¡¸ 70 - - - 70

Interest Expense on borrowings

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ˆÅ¸¡¸¸ Š¸¾£-¢›¸¢š¸ˆÅ œÏ¢÷¸¤¸Ö÷¸¸‡¿ - - 0.28 - 0.28

Non-Funded Commitments outstanding during the
year

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ˆÅ¸¡¸¸ Š¸¾£-¢›¸¢š¸ˆÅ œÏ¢÷¸¤¸Ö÷¸¸‚¸Ê ˆÅú ‚¢š¸ˆÅ÷¸Ÿ¸ - 0.25 0.28 - 0.53
£¸¢©¸
Maximum amount of Non-Funded Commitments
outstanding during the year

## œ¸ú‚¸ƒÄœ¸ú”ú‚¸ƒÄ¬¸ú‡¥¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê, ¤¸ÿˆÅ ˆÅ¸½ ˆ¿Åœ¸›¸ú ¬¸½ ˆÅ¸½ƒÄ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ‚¸¾£ ¥¸½›¸™½›¸ ¢¨¸¨¸£µ¸ œÏ¸œ÷¸ ›¸íú¿ íº‚¸ í¾, ‚÷¸À „œ¸¡¸ºÄÆ÷¸ Ÿ¸Ê ¸¸›¸ˆÅ¸£ú ¬¸Ÿ¸½¢ˆÅ÷¸ ›¸íú¿ í¾. ¤¸ÿˆÅ ›¸½
œ¸ú‚¸ƒÄœ¸ú”ú‚¸ƒÄ¬¸ú‡¥¸ Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅ¸½ ‡ˆÅ ²Åœ¸¡¸½ ÷¸ˆÅ ˆÅŸ¸ ˆÅ£ ¢™¡¸¸ í¾.
## In respect of PIPDICL, the Bank has not received any financial statements & transactions details from the company hence information not
consolidated in above. The Bank has written down investment in PIPDICL to Rupee one.

534 Friendship That

Powers Progress
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Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

$ ‡‡¬¸ 18 ˆ½Å œ¸¾£¸ŠÏ¸ûÅ 5 ˆ½Å ‚›¸º¬¸¸£ Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ¸Ê ‚¸¾£ Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ¸Ê ˆ½Å ¢£©÷¸½™¸£¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¤¸ÿˆÅ£-ŠÏ¸íˆÅ ¬¸¿¤¸¿š¸ ˆ½Å ¬¨¸³Åœ¸ ˆ½Å ¥¸½›¸™½›¸¸½¿ ˆÅ¸½ œÏˆÅ’ ›¸íú¿
¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
$ In terms of paragraph 5 of AS 18, transactions in the nature of Banker-Customer relationship have not been disclosed in respect of Key
Management Personnel and relatives of Key Management Personnel.
@ 1) Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ¸Ê ˆ½Å ¢¥¸‡ ¬¸½¨¸¸¢›¸¨¸¼¢î¸ ¥¸¸ž¸ ‡ˆÅ ¬¸Ÿ¸ŠÏ œ¸»¥¸ ˆ½Å ¢í¬¬¸½ ˆ½Å ³Åœ¸ Ÿ¸Ê ‚¢¸Ä÷¸ í¸½÷¸½ íÿ ‚¸¾£ Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¢Ÿ¸Ä¡¸¸Ê ˆ½Å œÏ¢÷¸ ‚¸¨¸¿¢’÷¸ ›¸íú¿ ¢ˆÅ‡ ¸¸÷¸½ íÿ.
Retiral Benefits for key managerial personnel are accrued as a part of an overall pool and are not allocated against key managerial
personnel..
2) œ¸»µ¸ÄˆÅ¸¢¥¸ˆÅ ¢›¸™½©¸ˆÅ¸Ê/Ÿ¸º‰¡¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ‚¢š¸ˆÅ¸¢£¡¸¸Ê/÷¸¸¦÷¨¸ˆÅ ¸¸½¢‰¸Ÿ¸ ¥¸½›¸½ ¨¸¸¥¸½ ‚¸¾£ ¢›¸¡¸¿°¸ˆÅ ˆÅ¸¡¸Ä ˆÅ£›¸½ ¨¸¸¥¸½ ¬’¸ûÅ ˆÅ¸½ ®¸¢÷¸œ¸»¢÷¸Ä ˆ½Å ¤¸¸£½ Ÿ¸Ê ¢™›¸¸¿ˆÅ 4 ›¸¨¸¿¤¸£ 2019 ˆ½Å
¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å œ¸¢£œ¸°¸ ‚¸£¤¸ú‚¸ƒÄ /2019-20/89 ”ú‚¸½‚¸£.‡œ¸úœ¸ú’ú.¤¸ú¬¸ú.¬¸¿. 23/29.67.001/2019-20 ˆ½Å ‚›¸º¬¸¸£
In accordance with RBI Circular RBI/2019-20/89 DOR.Appt.BC.No.23/29.67.001/2019-20 dated November 4, 2019 on Compensation
of Whole Time Directors/ Chief Executive Officers/ Material Risk Takers and Control Function staff

¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å ¢¥¸‡, œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ (›¸ˆÅ™ ‹¸’ˆÅ) ˆ½Å ¢¥¸‡ ˆºÅ¥¸ ` 1.48 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 1.66 ˆÅ£¸½”õ) ˆÅ¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸.
For the FY 2022-23, total amount of `1.48 Crore (previous year `1.66 crore) was provided for variable pay (cash
component)

iii. Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ¸Ê ˆÅ¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ œ¸¸¢£ª¢Ÿ¸ˆÅ ` 9.93 ˆÅ£¸½”õ í¾.
Remuneration paid to Key Management Personnel during the year ended March 31, 2024 is `9.93 crore.

(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore))

Ç¿Å. ¬¸¿. Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ¢¨¸î¸ú¡¸ ¨¸«¸Ä
Sr Key Management Personnel 2023-24 2022-23
No. FY 2023-24 FY 2022-23
1 ªú £¸ˆ½Å©¸ ©¸Ÿ¸¸Ä, œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ ¬¸úƒÄ‚¸½ 5.00 3.25
Shri Rakesh Sharma, Managing Director & CEO
2 ªú ¬¸¾Ÿ¡¸º‚¥¸ ¸¸½¬¸½ûÅ ¸½¤¸£¸¸, „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ (5 ‚œÏ¾¥¸ 2023 ÷¸ˆÅ) 1.20 1.69
Shri Samuel Joseph Jebaraj, Deputy Managing Director (upto
April 5, 2023)
3 ªú ¬¸º£½©¸ ¢ˆÅ©¸›¸¸¿™ ‰¸’›¸í¸£, „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ (14 ¸›¸¨¸£ú 2024 ÷¸ˆÅ) 1.89 1.70
Shri Suresh Kishanchand Khatanhar, Deputy Managing Director
(upto January 14, 2024)
4 ªú ¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾, „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ (12 ¸»›¸ 2023 ¬¸½) 0.69 -
Shri Jaya kumar S Pillai, Deputy Managing Director (From June
12, 2023)
5 ªúŸ¸÷¸ú ¦¬Ÿ¸÷¸¸ í£ú©¸ ˆºÅ¤¸½£, Ÿ¸º‰¡¸ ¢¨¸î¸ú¡¸ ‚¢š¸ˆÅ¸£ú 0.74 -
Smt. Smita Harish Kuber, Chief Financial Officer
6 ªú œ¸¸½˜¸ºˆºÅ¸ú ¬¸ú÷¸¸£¸Ÿ¸, ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ ‚¸¾£ Ÿ¸º‰¡¸ ¢¨¸î¸ú¡¸ ‚¢š¸ˆÅ¸£ú (31 - 0.77
Ÿ¸¸¸Ä 2023 ÷¸ˆÅ)
Shri Pothukuchi Sitaram, Executive Director & Chief Financial
Officer (upto March 31, 2023)
7 ªúŸ¸÷¸ú ¡¸¸½¢÷¸ ›¸¸¡¸£, ˆ¿Åœ¸›¸ú ¬¸¢¸¨¸ 0.41 0.34
Smt. Jyothi Nair, Company Secretary

ˆºÅ¥¸ / Total 9.93 7.75

›¸¸½’À ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2021-22 ˆ½Å ¢¥¸‡ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ˆÅ¸ ‚œ¸ü¿Å’ ‹¸’ˆÅ `0.43 ˆÅ£¸½”õ ‚¸¾£ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å ¢¥¸‡ `0.74 ˆÅ£¸½”õ Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸
ˆÅ¸¢Ÿ¸ÄˆÅ ˆÅ¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ™¸¾£¸›¸ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸, ¸»¿¢ˆÅ ¡¸í ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23 ˆ½Å „›¸ˆ½Å œ¸¸¢£ª¢Ÿ¸ˆÅ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ í¾ ƒ¬¸¢¥¸‡ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-
24 ˆ½Å „›¸ˆ½Å œ¸¸¢£ª¢Ÿ¸ˆÅ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ›¸íú¿ í¾.
Note: Upfront component of variable pay for FY 2021-22 `0.43 crore and for FY 2022-23 `0.74 crore paid to Key Management
Personnel during the FY 2023-24, since included in their remuneration for FY 2022-23, is not included in their remuneration for
FY 2023-24.

dm{f©H$ [anmoQ>© Annual Report 2023-24 535

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

6. œ¸’Ã’½ (‡‡¬¸-19) / Leases (AS-19)

‚. œ¸’Ã’¸ /¢ˆÅ£¸‡ œ¸£ ¥¸ú Š¸ƒÄ ¬¸¿œ¸¢î¸¡¸¸¿ ¤¸ÿˆÅ ˆ½Å ¢¨¸ˆÅ¥œ¸ œ¸£ ›¸¨¸úˆÅ£µ¸ú¡¸/£Ó ˆÅ£›¸½ ¡¸¸½Š¡¸ í¸½÷¸ú í¾.
A. The properties taken on lease/ rental basis are renewable/ cancellable at the option of the Bank.

‚¸. ¤¸ÿˆÅ ׸£¸ ¢¥¸‡ Š¸‡ ¥¸ú¸ ¬¸íŸ¸÷¸ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ í¸½÷¸½ íÿ ¢¸¬¸Ÿ¸Ê ¥¸ú¸ ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ ž¸ú œ¸¸£¬œ¸¢£ˆÅ ³Åœ¸ ¬¸½ ¬¸íŸ¸÷¸ ˆ¾Å¥¸Ê”£ Ÿ¸¸í ˆÅ¸ ¢¥¸¢‰¸÷¸ ›¸¸½¢’¬¸ ™½ˆÅ£ ¥¸ú¸
ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ˆÅ£›¸½ ˆÅ¸ ¢¨¸ˆÅ¥œ¸ í¸½÷¸¸ í¾.
B. The lease entered into by the Bank are for agreed period with an option to terminate the leases even during the tenure of lease
period by giving mutually agreed calendar month notice in writing.

ƒ. ›¸¨¸úˆÅ£µ¸ ‚¸¾£ ¨¸¼¢Ö ‰¸¿” ˆÅú ©¸÷¸½ô ¨¸½ íÿ ¸¸½ ¬¸¸Ÿ¸¸›¡¸ ³Åœ¸ ¬¸½ ‡½¬¸½ ˆÅ£¸£¸½¿ Ÿ¸Ê œÏ¸¢¥¸÷¸ íÿ. ˆÅ£¸£¸½¿ Ÿ¸Ê ˆÅ¸½ƒÄ ‚›¸º¢¸÷¸ œÏ¢÷¸¤¸¿š¸ ¡¸¸ ™º¨¸Äí ‰¸¿” ›¸íú¿ í¾.
C. The terms of renewal and escalation clauses are those normally prevalent in similar agreements. There are no undue restrictions
or onerous clauses in the agreements.

ƒÄ. œ¸¢£¸¸¥¸›¸Š¸·¸ œ¸’Ã’¸Ê ˆ½Å ¢¥¸‡ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ‡ Š¸‡ œ¸’Ã’¸ ¢ˆÅ£¸¡¸½ ˆÅ¸½ „¬¸ ¨¸«¸Ä Ÿ¸Ê ¢¸¬¸¬¸½ ¡¸í ¬¸¿¤¸¿¹š¸÷¸ í¾, ¥¸¸ž¸ - í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê ™©¸¸Ä¡¸¸ ¸¸÷¸¸ í¾. ¢¨¸î¸ú¡¸ ¨¸«¸Ä
2023-24 ˆ½Å ™¸¾£¸›¸ ™¸Ä ¥¸ú¸ ¢ˆÅ£¸¡¸¸ `461 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸ÄÀ `412 ˆÅ£¸½”õ) í¾.
D. Lease rent paid for operating leases are recognised as an expense in the Profit & Loss account in the year to which it relates.
The lease rent recognised during the FY 2023-24 is `461 Crore (Previous Year: `412 Crore)

„. ÷¸º¥¸›¸-œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ Š¸¾£-¢›¸£¬¸›¸ú¡¸ œ¸¢£¸¸¥¸›¸ œ¸’Ã’¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸Ê ˆ½Å ¢¥¸‡ ž¸¸¨¸ú ›¡¸»›¸÷¸Ÿ¸ œ¸’Ã’¸ ž¸ºŠ¸÷¸¸›¸¸Ê ˆÅ¸ ¬¸¸£¸¿©¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾À
E. The future minimum lease payments for subsidiaries in respect of non-cancellable operating leases as at Balance Sheet date are
summarized as under:

(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)

¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023
Particulars March 31, 2024 March 31, 2023

‡ˆÅ ¨¸«¸Ä ˆ½Å ¤¸¸™ ›¸íú¿ / Not Later than One year 1 4

‡ˆÅ ¨¸«¸Ä ˆ½Å ¤¸¸™ ¥¸½¢ˆÅ›¸ œ¸¸¿¸ ¨¸«¸Ä ˆ½Å ¤¸¸™ ›¸íú¿ 8 10
Later than one year but not later than five years

5 ¨¸«¸Ä ˆ½Å ¤¸¸™ / Later than 5 Years 6 8

7. ˆÅ) œÏ¢÷¸ ©¸½¡¸£ ‚¸Ä›¸ (ƒÄœ¸ú‡¬¸) (‡‡¬¸-20)

a) EARNINGS PER SHARE (EPS) (AS-20)
(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)
¢¨¸¨¸£µ¸ ¡¸˜¸¸ ¡¸˜¸¸
Particulars 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023
As at As at
March 31, 2024 March 31, 2023

ƒÄœ¸ú‡¬¸ ˆÅú Š¸µ¸›¸¸ ˆ½Å ¢¥¸‡ ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸¡¸¸ Š¸¡¸¸ ¢›¸¨¸¥¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¥¸¸ž¸/(í¸¢›¸) (` ˆÅ£¸½”õ) 5788 3706
Consolidated Net profit/ (loss) considered for EPS calculation (` Crore)

¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê ¤¸ˆÅ¸¡¸¸ ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆÅú ¬¸¿‰¡¸¸ 1075,24,02,175 1075,24,02,175
Number of equity shares outstanding at the end of the financial year

Ÿ¸»¥¸ ƒÄœ¸ú‡¬¸ ˆ½Å ¢¥¸‡ ©¸¸¢Ÿ¸¥¸ ¢ˆÅ‡ Š¸‡ ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆÅú ž¸¸¢£÷¸ ‚¸¾¬¸÷¸ ¬¸¿‰¡¸¸ 1075,24,02,175 1075,24,02,175
Weighted average number of equity shares considered for Basic EPS

¸¸½”õÊÀ Ÿ¸¿¸»£ ƒÄ‡¬¸‚¸½œ¸ú ˆÅ¸ ›¡¸»›¸ œÏž¸¸¨¸ - -

Add: Dilutive impact of ESOP granted

›¡¸»›¸úˆ¼Å÷¸ ƒÄœ¸ú‡¬¸ Š¸µ¸›¸¸ ˆ½Å ¢¥¸‡ ¢í¬¸¸¤¸ Ÿ¸Ê ¢¥¸‡ Š¸‡ ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆÅú ž¸¸¢£÷¸ ‚¸¾¬¸÷¸ ¬¸¿‰¡¸¸ 1075,24,02,175 1075,24,02,175
Weighted average number of equity shares considered for Diluted EPS

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 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

¢¨¸¨¸£µ¸ ¡¸˜¸¸ ¡¸˜¸¸

Particulars 31 Ÿ¸¸¸Ä 2024 31 Ÿ¸¸¸Ä 2023
As at As at
March 31, 2024 March 31, 2023

ƒÄœ¸ú‡¬¸ (Ÿ¸»¥¸) (`) / EPS (Basic) (`) 5.38 3.45

ƒÄœ¸ú‡¬¸(›¡¸»›¸úˆ¼Å÷¸) (`) / EPS (Diluted) (`) 5.38 3.45

œÏ¢÷¸ ƒ¦Æ¨¸’ú ©¸½¡¸£ ‚¿¢ˆÅ÷¸ Ÿ¸»¥¡¸ (`) / Face value per Equity share (`) 10.00 10.00

‰¸) ¥¸¸ž¸¸¿©¸À
b) Dividend:
¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ›¸½ 04 Ÿ¸ƒÄ 2024 ˆÅ¸½ ¬¸¿œ¸››¸ ‚œ¸›¸ú ¤¸¾“ˆÅ Ÿ¸Ê `1.5 œÏ¢÷¸ ©¸½¡¸£ (¢œ¸Ž¥¸½ ¨¸«¸Ä - `1 œÏ¢÷¸ ©¸½¡¸£) ˆ½Å ¥¸¸ž¸¸¿©¸ ˆÅ¸ œÏ¬÷¸¸¨¸ £‰¸¸, ¸¸½ ‚¸Š¸¸Ÿ¸ú ¨¸¸¢«¸ÄˆÅ
Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ¬¸™¬¡¸¸Ê ˆ½Å ‚›¸ºŸ¸¸½™›¸ ˆ½Å ‚š¸ú›¸ í¾.
The Board of Directors at its meeting held on May 04, 2024, proposed a dividend of `1.5 per share (previous year - `1 per share),
subject to approval of the members at the ensuing Annual General Meeting.

¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ (‡‡¬¸)4 ˆ½Å ‚›¸º¬¸¸£ “·¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆ½Å ¤¸¸™ ‹¸¢’÷¸ ‚¸ˆÅ¦¬Ÿ¸ˆÅ÷¸¸‚¸Ê ‚¸¾£ ‹¸’›¸¸‚¸½¿” ˆ½Å ¬¸¿™ž¸Ä Ÿ¸Ê ¤¸ÿˆÅ ›¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
ˆ½Å ¢¥¸‡ ¥¸¸ž¸ ‡¨¸¿ í¸¢›¸ ‰¸¸÷¸½ ¬¸½ `1612.86 ˆÅ£¸½”õ ˆ½Å œÏ¬÷¸¸¢¨¸÷¸ ¥¸¸ž¸¸¿©¸ ˆÅ¸½ ¢¨¸¢›¸¡¸¸½¢¸÷¸ ›¸íú¿ ¢ˆÅ¡¸¸ í¾. ÷¸˜¸¸¢œ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ œ¸»¿¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ‚›¸ºœ¸¸÷¸ ˆÅú
Š¸µ¸›¸¸ Ÿ¸Ê œ¸»¿¸úŠ¸÷¸ ¢›¸¢š¸¡¸¸Ê ˆ½Å ¢›¸š¸¸Ä£µ¸ Ÿ¸Ê œÏ¬÷¸¸¢¨¸÷¸ ¥¸¸ž¸¸¿©¸ ˆ½Å œÏž¸¸¨¸ ˆÅú Š¸µ¸›¸¸ ˆÅú Š¸ƒÄ í¾.
In terms of Accounting Standard (AS) 4 “Contingencies and Events occurring after the Balance Sheet date” the Bank has not
appropriated proposed dividend aggregating to `1612.86 crore from the Profit and Loss account for the year ended March 31,
2024. However the effect of the proposed dividend has been reckoned in determining capital funds in the computation of Capital
Adequacy Ratio as on March 31, 2024.

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ›¸½ `1 œÏ¢÷¸ ©¸½¡¸£ ˆ½Å ¥¸¸ž¸¸¿©¸ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ í¾ ¢¸¬¸½ 13 ¸º¥¸¸ƒÄ 2023 ˆÅ¸½ ¬¸¿œ¸››¸ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ¬¸™¬¡¸¸Ê ׸£¸ ‚›¸ºŸ¸¸½¢™÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸
˜¸¸.
During the year, the Bank has paid dividend of `1 per share which was approved by the members at the Annual General Meeting
held on July 13, 2023.

8. ‚¸¡¸ œ¸£ ˆÅ£¸Ê ˆ½Å ¢¥¸‡ ¥¸½‰¸¸¿ˆÅ›¸ (‡‡¬¸-22) / Accounting for Taxes on Income (AS-22)
¬¸Ÿ¸¡¸-‚¿÷¸£¸¥¸ ˆ½Å ˆÅ¸£µ¸ „÷œ¸››¸ ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ ‡¨¸¿ ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ™½¡¸÷¸¸ ˆ½Å ‹¸’ˆÅ ¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿÀ
The component of Deferred Tax Asset & Deferred Tax Liability arising out of timing difference is as follows:

(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)

¢¨¸¨¸£µ¸ ¡¸˜¸¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¡¸˜¸¸
Particular 31 Ÿ¸¸¸Ä 2024 ‹¸’-¤¸õ 31 Ÿ¸¸¸Ä 2023
As at 2023-24 As at
March 31, 2024 Movement during March 31, 2023
the financial year
2023-24

‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ / Deferred Tax Asset

¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸Ê œ¸£ Ÿ¸»¥¡¸ãí¸¬¸ 18 (6) 24
Depreciation on fixed assets
‚¸¡¸ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸, 1961 ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‚›¸¸ÄˆÅ ‚¸¦¬÷¸¡¸¸Ê ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ 1,879 (784) 2,663
‚¬¨¸úˆ¼Å¢÷¸ ÷¸˜¸¸ ‚›¡¸ œÏ¸¨¸š¸¸›¸¸Ê ˆÅú ‚›¸ºŸ¸¢÷¸ ›¸íú¿ í¾
Disallowance related to provision for NPA and for other
provisions not allowed under Income tax Act, 1961

dm{f©H$ [anmoQ>© Annual Report 2023-24 537

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)

¢¨¸¨¸£µ¸ ¡¸˜¸¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¡¸˜¸¸
Particular 31 Ÿ¸¸¸Ä 2024 ‹¸’-¤¸õ 31 Ÿ¸¸¸Ä 2023
As at 2023-24 As at
March 31, 2024 Movement during March 31, 2023
the financial year
2023-24
¬¸¿¢™Šš¸ ‚¢ŠÏŸ¸¸Ê ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ 3 (0.28) 4
Provision for Doubtful advances
‚¸¡¸ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸, 1961 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ‚¬¨¸úˆ¼Å÷¸ 342 104 238
Disallowance as per the provisions of Income Tax Act,
1961
„œ¸™¸›¸ / œ¸Ê©¸›¸ / Gratuity/Pension 0.75 0.19 0.56
Žº’Ã’ú ›¸ˆÅ™úˆÅ£µ¸ / Leave Encashment (0.03) (0.69) 0.66
ˆÅ¸£¸½¤¸¸£ í¸¢›¸ / Business Loss 6,956 (1,843) 8,799
‚›¸¨¸©¸¸½¢«¸÷¸ Ÿ¸»¥¡¸Ý¸¬¸ / Unabsorbed depreciation 75 (31) 106
ˆºÅ¥¸ (‚) / Total (A) 9,274 (2,561) 11,835

‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ™½¡¸÷¸¸ / Deferred Tax Liability

¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸Ê œ¸£ Ÿ¸»¥¡¸Ý¸¬¸ 0.76 0.26 0.50
Depreciation on fixed assets
‚¸¡¸ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸ 1961 ˆÅú š¸¸£¸ 36(1)(viii) ˆ½Å ‚¿÷¸Š¸Ä÷¸ 308 0.29 308
¬¸¼¢¸÷¸ ‚¸¾£ ‚›¸º£¢®¸÷¸ ¢¨¸©¸½«¸ ¢£{¸¨¸Ä
Special Reserve created and maintained u/s 36(1)(viii) of
the Income-tax Act, 1961
¬¸¿¢™Šš¸ ‚¢ŠÏŸ¸¸Ê ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ - - -
Provision for Doubtful advances
Žº’Ã’ú ›¸ˆÅ™úˆÅ£µ¸ / Leave Encashment 0.11 (0.01) 0.12
ˆºÅ¥¸ (‚¸) / Total (B) 309 0.54 309

‚¸¬˜¸¢Š¸÷¸ ˆÅ£ (™½¡¸÷¸¸)/‚¸¦¬÷¸ (¢›¸¨¸¥¸) (‚) - (‚¸) 8,965 (2,561) 11,526

Deferred tax (Liability)/ Asset (net) (A) – (B)

¤¸ÿˆÅ ˆÅ¸£¸½¤¸¸£ í¸¢›¸ ¬¸¢í÷¸ ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ (”ú’ú‡) ˆÅ¸½ ƒ¬¸ˆ½Å ¢£¨¸¬¸Ä¥¸ í¸½›¸½ ˆÅú ‚¸ž¸¸«¸ú ¢›¸¢ä¸÷¸÷¸¸ ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸÷¸½ íº‡ ™¸Ä ˆÅ£÷¸¸ í¾.
Bank is recognizing deferred tax asset (DTA) including that on business loss keeping in view the virtual certainty of its reversal.

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ›¸½ ¢¨¸¨¸½ˆÅœ¸»µ¸Ä „œ¸¸¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê, ¢¨¸¢©¸«’ Ÿ¸¸›¸ˆÅ ‰¸¸÷¸¸Ê ‚¸¾£ œ¸º›¸Š¸Ä¢“÷¸ ‰¸¸÷¸¸Ê œ¸£ ¬¸¼¢¸÷¸ œÏ¸¨¸š¸¸›¸¸Ê œ¸£ ‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸ ˆÅ¸½ Ÿ¸¸›¡¸÷¸¸ ›¸íú¿ ™½›¸½ ˆÅ¸
¢›¸µ¸Ä¡¸ ¢¥¸¡¸¸ ˜¸¸ ‚¸¾£ ƒ¬¸ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ˆÅ£ ¨¡¸¡¸ `400 ˆÅ£¸½”õ ¬¸½ ‚¢š¸ˆÅ í¾.
During the year Bank as a prudence measure, had decided not to recognize deferred tax asset on provisions created on specific
standard accounts & restructured accounts and consequently tax expenses for the Year ended March 31, 2024 are higher by `400
crore.

9. ˆÅ£¸š¸¸›¸ í½÷¸º œÏ¸¨¸š¸¸›¸ / PROVISION FOR TAXATION

(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)
¢¨¸¨¸£µ¸ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
Particulars ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡
For the year ended For the year ended
March 31, 2024 March 31, 2023

‚¸¡¸ˆÅ£ ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ - ¨¸÷¸ÄŸ¸¸›¸ ˆÅ£ 42# (179)@

Provision for Income Tax - Current Tax

# ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê, ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2024 ˆ½Å ¢¥¸‡ ‚¸¡¸ˆÅ£ í½÷¸º ˆÅ¸½ƒÄ œÏ¸¨¸š¸¸›¸ ›¸íú¿ í¾.
#In case of IDBI Bank Ltd, no provision for Income Tax made for the FY 2024

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Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

@ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê, ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023 ˆ½Å ¢¥¸‡ ‚¸¡¸ˆÅ£ í½÷¸º ˆÅ¸½ƒÄ œÏ¸¨¸š¸¸›¸ ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸. ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2004, ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2005 ‡¨¸¿ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2013 ˆ½Å ¢¥¸‡ ˆºÅ¥¸ `205
ˆÅ£¸½”õ ˆÅ¸ ‚¸¢š¸Æ¡¸ œÏ¸¨¸š¸¸›¸ ‚¸¡¸ˆÅ£ ¢£ûö¿Å”/Ÿ¸¸¿Š¸ ˆ½Å ˆÅ¸£µ¸ œÏ¢÷¸¥¸½¢‰¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸.
@ In case of IDBI Bank Ltd, no provision for Income Tax made for the FY 2023. The excess provision for FY 2004, FY 2005 & FY 2013 aggregating to `205
crore was written back on account of Income tax refund/ demand.

10. 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú ‚œ¸½®¸¸ ˆ½Å ‚›¸º¬¸¸£ ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸¢›¸¡¸¸Ê, ¬¸í¡¸¸½Š¸ú
ˆ¿Åœ¸¢›¸¡¸¸Ê ‡¨¸¿ ¬¸¿¡¸ºÆ÷¸ ³Åœ¸ ¬¸½ ¢›¸¡¸¿¢°¸÷¸ ¬¸¿¬˜¸¸ ˆÅú ¬¸¸£¸¿©¸úˆ¼Å÷¸ ¢¨¸î¸ú¡¸ ¸¸›¸ˆÅ¸£ú ¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾À
Summarized financial information of Subsidiary Companies, Associate Companies
& Jointly Controlled Entity as per requirement of the Companies Act, 2013 as at
March 31, 2024 are as under:
(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)
¢›¸¨¸¥¸ ‚¸¦¬÷¸¡¸¸¿, ‚˜¸¸Ä÷¸Ã ˆºÅ¥¸
‚¸¦¬÷¸¡¸¸Ê Ÿ¸Ê ¬¸½ ˆºÅ¥¸ ™½¡¸÷¸¸‡¿ ‹¸’¸ˆÅ£ ¥¸¸ž¸ ¡¸¸ í¸¢›¸ ˆ ¸ ¢í¬¬¸¸
Net Assets i.e. total assets Share of profit or loss
minus total liabilities
¬¸¿¬˜¸¸ ˆÅ¸ ›¸¸Ÿ¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢›¸¨¸¥¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¥¸¸ž¸ ¡¸¸
Name of the Entity
‚¸¦¬÷¸¡¸¸Ê ˆ½Å % í¸¢›¸ ˆ½Å % ˆ½Å
ˆ½Å ³Åœ¸ ŸøÊ £¸¢©¸ ³Åœ¸ ŸøÊ £¸¢©¸
As % of Amount As % of Amount
consolidated consolidated
net assets profit or loss

Ÿ¸»¥¸ ¬¸¿¬˜¸¸ À ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸. 97.37% 49,882 97.34% 5,634

Parent : IDBI Bank Ltd.

¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‡¿À / Subsidiaries:

ž¸¸£÷¸ú¡¸ À / Indian :

1. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄΓ¸ ¢¬¸Æ¡¸º¢£’ú¸ ¢¥¸. 0.66% 337 0.13% 7

IDBI Capital Markets & Securities Ltd.

2. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ƒ¿’½ˆÅ ¢¥¸. / IDBI Intech Ltd. 0.23% 118 0.18% 10

3. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ¢¥¸. 0.42% 215 1.39% 81

IDBI Asset Management Ltd.

4. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‡Ÿ¸‡ûÅ ’﬒ú ˆ¿Åœ¸›¸ú ¢¥¸. 0.00% 2 0.00% (0.08)

IDBI MF Trustee Co. Ltd.

5. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’﬒ú¢©¸œ¸ ¬¸¢¨¸Ä¬¸½{¸ ¢¥¸. 0.66% 337 0.99% 57

IDBI Trusteeship Services Ltd.

¢¨¸™½©¸úÀ / Foreign : ¥¸¸Š¸» ›¸íì / NA ¥¸¸Š¸» ›¸íì / NA ¥¸¸Š¸» ›¸íì / NA ¥¸¸Š¸» ›¸íì / NA

¬¸ž¸ú ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸Ê Ÿ¸Ê ‚¥œ¸¬¸¿‰¡¸ˆÅ ¢í÷¸ 0.30% 153 0.45% 26

Minority Interest in all subsidiaries

dm{f©H$ [anmoQ>© Annual Report 2023-24 539

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)

¢›¸¨¸¥¸ ‚¸¦¬÷¸¡¸¸¿, ‚˜¸¸Ä÷¸Ã ˆºÅ¥¸
‚¸¦¬÷¸¡¸¸Ê Ÿ¸Ê ¬¸½ ˆºÅ¥¸ ™½¡¸÷¸¸‡¿ ‹¸’¸ˆÅ£ ¥¸¸ž¸ ¡¸¸ í¸¢›¸ ˆ ¸ ¢í¬¬¸¸
Net Assets i.e. total assets Share of profit or loss
minus total liabilities
¬¸¿¬˜¸¸ ˆÅ¸ ›¸¸Ÿ¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢›¸¨¸¥¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¥¸¸ž¸ ¡¸¸
Name of the Entity
‚¸¦¬÷¸¡¸¸Ê ˆ½Å % í¸¢›¸ ˆ½Å % ˆ½Å
ˆ½Å ³Åœ¸ ŸøÊ £¸¢©¸ ³Åœ¸ ŸøÊ £¸¢©¸
As % of Amount As % of Amount
consolidated consolidated
net assets profit or loss

¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‡¿ (ƒ¦Æ¨¸’ú œ¸Ö¢÷¸ ˆ½Å ‚›¸º¬¸¸£ ¢›¸¨¸½©¸)#

Associates (Investment as per the equity method) #

ž¸¸£÷¸ú¡¸ / Indian

1. ¤¸¸¡¸¸½’½ˆÅ ˆ¿Å¬¸¸½¢©¸Ä¡¸Ÿ¸ ƒ¿¢”¡¸¸ ¢¥¸¢Ÿ¸’½” ¥¸¸Š¸» ›¸íì / NA ¥¸¸Š¸» ›¸íì / NA 0.00% 0.00
Biotech consortium India Limited

2. ›¸½©¸›¸¥¸ ¢¬¸Æ¡¸º¢£’ú¸ ¢”œ¸¸Á¢¸’£ú ¢¥¸. ¥¸¸Š¸» ›¸íì / NA ¥¸¸Š¸» ›¸íì / NA 0.88% 51

National securities Depository Ltd.

3. œ¸»¨¸¸½Ä ¢¨¸ˆÅ¸¬¸ ¢¨¸î¸ ¢›¸Š¸Ÿ¸ ¢¥¸. ¥¸¸Š¸» ›¸íì / NA ¥¸¸Š¸» ›¸íì / NA 0.00% 0.00
North Eastern Development Finance Corporation
Ltd.

4. œ¸¸¿¢”¸½£ú ƒ¿”¦¬’¥¸ œÏŸ¸¸½©¸›¸ ”½¨¸¥¸œ¸Ÿ¸Ê’ ‡¿” ƒ›¨¸½¬’Ÿ¸Ê’ ¥¸¸Š¸» ›¸íì / NA ¥¸¸Š¸» ›¸íì / NA ¥¸¸Š¸» ›¸íì / NA ¥¸¸Š¸» ›¸íì / NA
ˆÅ¸Á£œ¸¸½£½©¸›¸ ¢¥¸. (œ¸ú‚¸ƒÄœ¸ú”ú‚¸ƒÄ¬¸ú‡¥¸)
Pondicherry Industrial Promotion Development &
Investment Corporation Ltd.( PIPDICL)

¢¨¸™½©¸úÀ / Foreign : ¥¸¸Š¸» ›¸íì / NA ¥¸¸Š¸» ›¸íì / NA ¥¸¸Š¸» ›¸íì / NA ¥¸¸Š¸» ›¸íì / NA

¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ / Joint Ventures

(‚¸›¸ºœ¸¸¢÷¸ˆÅ ¬¸Ÿ¸½ˆÅ›¸ ˆ½Å ‚›¸º¬¸¸£ / ƒ¢Æ¨¸’ú œ¸Ö¢÷¸ ˆ½Å ‚›¸º¬¸¸£) (as per
proportionate consolidation / investment as per the equity
method)

ž¸¸£÷¸ú¡¸ / Indian

1. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ û½Å”£¥¸ ¥¸¸ƒûÅ ƒ¿©¸º£Ê¬¸ ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” 0.00% - 0.00% -

IDBI Federal Life Insurance Company Ltd.

¢¨¸™½©¸ú / Foreign ¥¸¸Š¸» ›¸íì / NA ¥¸¸Š¸» ›¸íì / NA ¥¸¸Š¸» ›¸íì / NA ¥¸¸Š¸» ›¸íì / NA

ˆºÅ¥¸ / Total 99.64% 51,044 100.46% 5,815

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g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)

¢›¸¨¸¥¸ ‚¸¦¬÷¸¡¸¸¿, ‚˜¸¸Ä÷¸Ã ˆºÅ¥¸
‚¸¦¬÷¸¡¸¸Ê Ÿ¸Ê ¬¸½ ˆºÅ¥¸ ™½¡¸÷¸¸‡¿ ‹¸’¸ˆÅ£ ¥¸¸ž¸ ¡¸¸ í¸¢›¸ ˆ ¸ ¢í¬¬¸¸
Net Assets i.e. total assets Share of profit or loss
minus total liabilities
¬¸¿¬˜¸¸ ˆÅ¸ ›¸¸Ÿ¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢›¸¨¸¥¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¥¸¸ž¸ ¡¸¸
Name of the Entity
‚¸¦¬÷¸¡¸¸Ê ˆ½Å % í¸¢›¸ ˆ½Å % ˆ½Å
ˆ½Å ³Åœ¸ ŸøÊ £¸¢©¸ ³Åœ¸ ŸøÊ £¸¢©¸
As % of Amount As % of Amount
consolidated consolidated
net assets profit or loss

¢¨¸¥¸¸½œ¸›¸ / Elimination 0.36% 182 -0.46% -27

¢›¸¨¸¥¸ ˆºÅ¥¸ / Net Total 100.00% 51,226 100.00% 5,788

›¸¸½’À „œ¸¡¸ºÄÆ÷¸ ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸Ê ˆÅú ˆÅ¸½ƒÄ ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸ ›¸íú¿ í¾.
Note: None of the above subsidiaries have any subsidiary.

# ÷¸ú›¸ ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸‚¸Ê ‚˜¸¸Ä÷¸Ã œ¸»¨¸¸½Ä ¢¨¸ˆÅ¸¬¸ ¢¨¸î¸ ¢›¸Š¸Ÿ¸ ¢¥¸. (25%), ¤¸¸¡¸¸½’½ˆÅ ˆ¿Å¬¸¸½¢©¸Ä¡¸Ÿ¸ ƒ¿¢”¡¸¸ ¢¥¸¢Ÿ¸’½” (27.93%) ‚¸¾£ œ¸¸¿¢”¸½£ú ƒ¿”¦¬’¥¸ œÏŸ¸¸½©¸›¸ ”½¨¸¥¸œ¸Ÿ¸Ê’ ‡¿”
ƒ›¨¸½¬’Ÿ¸Ê’ ˆÅ¸Á£œ¸¸½£½©¸›¸ ¢¥¸¢Ÿ¸’½” (21.14%) ¬¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2024 ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ œÏ¸œ÷¸ ›¸ í¸½›¸½ ˆ½Å ˆÅ¸£µ¸ ¬¸Ÿ¸½ˆÅ›¸ ˆ½Å ¢¥¸‡ ¢í¬¸¸¤¸ Ÿ¸Ê ›¸íú¿ ¢¥¸¡¸¸ Š¸¡¸¸ í¾ ‚¸¾£ 1 ¬¸í¡¸¸½Š¸ú ›¸½©¸›¸¥¸
¢¬¸Æ¡¸¸½¢£’ú¸ ¢”œ¸¸Á¢¸’£ú ¢¥¸¢Ÿ¸’½” (26.10%) ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ¢™¬¸¿¤¸£ 2023 ÷¸ˆÅ ¢¥¸¡¸½ Š¸¡¸½ íÿ, ¢¸¬¸ˆÅ¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê œ¸£ „¥¥¸½‰¸›¸ú¡¸ œÏž¸¸¨¸ ›¸íú¿ œ¸”õ¸ í¾. ¬¸í¡¸¸½Š¸ú
¬¸¿¬˜¸¸ œ¸¸¿¢”¸½£ú ƒ¿”¦¬’¥¸ œÏŸ¸¸½©¸›¸ ”½¨¸¥¸œ¸Ÿ¸Ê’ ‡¿” ƒ¿¨¸½¬’Ÿ¸Ê’ ˆÅ¸Á£œ¸¸½£½©¸›¸ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê, „Æ÷¸ ˆ¿Åœ¸›¸ú Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅ¸½ ‚¨¸¥¸½¢‰¸÷¸ ˆÅ£ ‡ˆÅ ² œ¸¡¸½ ˆÅ£ ¢™¡¸¸ Š¸¡¸¸ í¾.
# The Financials of three associates Viz., North Eastern Development Finance Corporation Limited (25%), Biotech Consortium India Limited (27.93%)
and Pondicherry Industrial Promotion Development and Investment Corporation Limited (21.14%) are not considered for consolidation on account of
non-receipt of Financial Statements for FY 2024 & in case of 1 associate National Securities Depository Limited (26.10%) the financials has been taken up
to December 2023, impact of which on the Consolidated Financial Statements is not material. In case of an associate Pondicherry Industrial Promotion
Development and Investment Corporation Limited, the investment in the said company has been written down to ` 1.

21 ¢¬¸÷¸¿¤¸£ 2022 ˆÅ¸½ ¤¸ÿˆÅ ›¸½ ‡¢¸¬¸ û½Å”£¥¸ ¥¸¸ƒûÅ ƒ¿©¡¸¸½£Ê¬¸ ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” Ÿ¸Ê œ¸»£ú ¢í¬¬¸½™¸£ú (25%) ‡¢¸¬¸ ƒ¿©¡¸¸½£Ê¬¸ ƒ¿’£›¸½©¸›¸¥¸ ‡›¸¨¸ú ˆÅ¸½ ¤¸½¸ ™ú ˜¸ú.
On September 21, 2022 Bank had sold entire stake (25%) in Ageas Federal Life Insurance Company Ltd. to Ageas Insurance
International NV

11. œ¸¢£¸¸¥¸›¸ ¤¸¿™ ˆÅ£›¸¸ (‡‡¬¸-24) / DISCONTINUING OPERATIONS (AS-24 )

¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ›¸½ ‚œ¸›¸ú ¢ˆÅ¬¸ú ž¸ú ©¸¸‰¸¸ ˆ½Å œ¸¢£¸¸¥¸›¸ ¤¸¿™ ›¸íú¿ ¢ˆÅ¡¸¸ í¾, ¢¸¬¸ˆ½Å ˆÅ¸£µ¸ ™½¡¸÷¸¸ ‹¸’ú í¾ ‚¸¾£ ‚¸¦¬÷¸¡¸¸Ê ˆÅú œÏ¸¦œ÷¸ íºƒÄ í¾ ‚¸¾£ ¢ˆÅ¬¸ú
ž¸ú œ¸¢£¸¸¥¸›¸ ˆÅ¸½ œ¸»µ¸Ä ³Åœ¸ ¬¸½ ¤¸¿™ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ˆÅ¸½ƒÄ ¢›¸µ¸Ä¡¸ ›¸íú¿ ¢¥¸¡¸¸ í¾ ¢¸¬¸¬¸½ „œ¸¡¸ºÄÆ÷¸ œ¸£ œÏž¸¸¨¸ œ¸”õ½Š¸¸.
During the FY 2023-24, the Bank has not discontinued operations of any of its branches, which resulted in shedding of liability and
realization of the assets and no decision has been finalized to discontinue an operation in its entirety which will have the above effect.

(ˆÅ) ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê / (a) In case of IDBI Asset Management Limited

i. 29 ¢™¬¸¿¤¸£, 2022 ˆÅ¸½ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ¢¥¸¢Ÿ¸’½” (ˆ¿Åœ¸›¸ú) ‚¸¾£ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‡Ÿ¸‡ûÅ ’﬒ú ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ˆ½Å ¤¸¸½”Ä ˆ½Å ‚›¸ºŸ¸¸½™›¸ ˆ½Å ¤¸¸™, ˆ¿Åœ¸›¸ú
›¸½ ‡¥¸‚¸ƒÄ¬¸ú ‡Ÿ¸‡ûÅ ‡¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ¢¥¸¢Ÿ¸’½” (‡¥¸‚¸ƒÄ¬¸ú ‡Ÿ¸‡ûÅ ‡‡Ÿ¸¬¸ú) ˆ½Å ¬¸¸˜¸ ‡¥¸‚¸ƒÄ¬¸ú ‡Ÿ¸‡ûÅ ‡‡Ÿ¸¬¸ú ˆÅ¸½ ¬¸¿œ¸»µ¸Ä ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ Ÿ¡¸»¸º‚¥¸ û¿Å”
¡¸¸½¸›¸¸‚¸Ê ˆ½Å ‚¿÷¸£µ¸ ˆ½Å ¢¥¸‡ ¬ˆÅúŸ¸ ’︿¬¸ûÅ£ ‡ŠÏúŸ¸Ê’ (‡¬¸’ú‡) ¢ˆÅ¡¸¸ ˜¸¸. ˆ¿Åœ¸›¸ú ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‡Ÿ¸‡ûÅ ˆÅú ¡¸¸½¸›¸¸‚¸Ê ˆ½Å œÏ¤¸¿š¸ ˆ½Å ¢¥¸‡ œÏ¤¸¿š¸›¸ ©¸º¥ˆÅ ‚¢¸Ä÷¸
ˆÅ£÷¸ú í¾, ¸¸½ ‡‡¬¸ 17, ‰¸¿” ¢£œ¸¸½¢’ôŠ¸ ˆ½Å ‚›¸º¬¸¸£ ˆ¿Åœ¸›¸ú ˆ½Å ¢¥¸‡ ‡ˆÅŸ¸¸°¸ ‰¸¿” í¾. „œ¸¡¸ºÄÆ÷¸ ¢›¸œ¸’¸›¸ ¬¸½¤¸ú (Ÿ¡¸»¸º‚¥¸ û¿Å”) ¢¨¸¢›¸¡¸Ÿ¸ 1996 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ÷¸í÷¸
¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê Ÿ¸Ê ¬¸½ ‡ˆÅ ˆ½Å ‚›¸ºœ¸¸¥¸›¸ Ÿ¸Ê í¾. ¢¨¸¥¸¡¸ ˆÅú œÏ¢ÇÅ¡¸¸ 29 ¸º¥¸¸ƒÄ 2023 ˆÅ¸½ œ¸»£ú í¸½ Š¸ƒÄ ˜¸ú.
On December 29, 2022, subsequent to approval of the Board of IDBI Asset Management Ltd (The Company) and IDBI MF
Trustee Company Ltd, the company had entered into Scheme Transfer Agreement (STA) with LIC MF Asset Management Ltd
(LIC MF AMC) for transfer of entire IDBI Mutual Fund Schemes to LIC MF AMC. The company earns management fee from
management of the schemes of IDBI MF, which is the only segment for the company as per AS 17, Segment Reporting. The
disposal is in compliance with one of the Regulatory requirements under the provisions of SEBI (Mutual Fund) Regulations 1996.
The process of merger was completed on July 29, 2023.

ii. 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‡‡¬¸ 24 ˆ½Å ‚›¸º¬¸¸£ ‚›¡¸ ¢¨¸¨¸£µ¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿÀ
The other details as per AS 24 are as at March 31, 2024 are as under:

dm{f©H$ [anmoQ>© Annual Report 2023-24 541

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)

ÇÅ ‡‡¬¸ 24 œÏˆÅ’úˆÅ£µ¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‡Â ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2024 ˆ½Å ¢¥¸‡ œÏˆÅ’úˆÅ£µ¸
¬¸¿. AS 24 Disclosure Requirements Disclosure for FY 2024
Sr.
No.

‚) ¤¸¿™ ¬¸¿¸¸¥¸›¸ (›¸¸Ê) ˆÅ¸ ¢¨¸¨¸£µ¸ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ Ÿ¡¸º¸º‚¥¸ û¿Å” ¡¸¸½¸›¸¸‚¸Ê ˆÅ¸ œÏ¤¸¿š¸›¸, ¢¸¬¸¬¸½ œÏ¤¸¿š¸›¸ ©¸º¥ˆÅ ‚¢¸Ä÷¸ í¸½÷¸¸ í¾
a) A description of the discontinuing ¸¸½ ‡‡Ÿ¸¬¸ú ˆ½Å ¢¥¸‡ ¢›¸¡¸¢Ÿ¸÷¸ ‚¸¡¸ ˆÅ¸ ‡ˆÅŸ¸¸°¸ 踸½÷¸ í¾. ƒ¬¸ ‹¸’ˆÅ Ÿ¸Ê ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ Ÿ¡¸º¡¸º¥¸
operation(s); û¿Å” ¡¸¸½¸›¸¸‚¸Ê Ÿ¸Ê ¢›¸¨¸½¢©¸÷¸ œÏ¸£¿¢ž¸ˆÅ œ¸»¿¸ú (¥¸¸Š¸÷¸ ` 987 ¥¸¸‰¸) ˆ½Å ‚¥¸¸¨¸¸, ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ
‚¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ¢¥¸. (‚¸ƒÄ‡‡Ÿ¸‡¥¸) ˆ½Å ÷¸º¥¸›¸œ¸°¸ Ÿ¸Ê ˆÅ¸½ƒÄ ¬¸¿¤¸Ö ‚¸¦¬÷¸¡¸¸¿ ‚¸¾£ ™½¡¸÷¸¸‡¿
›¸íú¿ íÿ, œÏ¸£¿¢ž¸ˆÅ œ¸»¿¸ú ˆÅ¸½ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‡Ÿ¸‡ûÅ ¡¸¸½¸›¸¸‚¸Ê ˆÅ¸ ‡¥¸‚¸ƒÄ¬¸ú Ÿ¡¸»¡¸º‚¥¸ û¿Å”
Ÿ¸Ê ¢¨¸¥¸¡¸ ˆ½Å ¤¸¸™ ˆ½Å ¨¸«¸Ä Ÿ¸Ê Ÿ¸¸½¢¸÷¸ ˆÅ£ ¢™¡¸¸ Š¸¡¸¸. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ Ÿ¡¸»¸º‚¥¸
ûö¿Å” ¡¸¸½¸›¸¸ œÏ¤¸¿š¸›¸ ¨¡¸¨¸¬¸¸¡¸ ˆÅ¸ ‚¸›¸ºŸ¸¸¢›¸ˆÅ Ÿ¸»¥¡¸ íÿ, ¢¸¬¸ˆ½Å ¢¥¸‡ ‚¸ƒÄ‡‡Ÿ¸‡¥¸ ˆÅ¸½ ˆºÅ¥¸
` 88.81ˆÅ£¸½”õ ˆÅ¸ œÏ¢÷¸ûÅ¥¸ œÏ¸œ÷¸ ˆÅ£›¸¸ íÿ, ¢¸¬¸Ÿ¸Ê ¬¸½ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‡‡Ÿ¸¬¸ú ˆÅ¸½ ` 55 ˆÅ£¸½”õ
›¸ˆÅ™ ‚¸¾£ ©¸½«¸ £¸¢©¸ ‡¥¸‚¸ƒÄ¬¸ú ‡Ÿ¸‡ûöÅ ‡‡Ÿ¸¬¸ú ˆ½Å ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê œÏ¸œ÷¸ íºƒÄ í¾.
ˆ¿Åœ¸›¸ú ›¸½ „Æ÷¸ œÏ¸¦œ÷¸ œ¸£ œ¸»¿¸úŠ¸÷¸ ¥¸¸ž¸ ˆÅú Š¸µ¸›¸¸ ˆÅú íÿ ‚¸¾£ „¬¸ˆ½Å ¢¥¸‡ „¢¸÷¸ ‚¢ŠÏŸ¸ ˆÅ£
ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ í¾.
Management of IDBI Mutual Fund Schemes, which earns management
fee which is the only source of regular income for AMC. This component
has no associated assets and liabilities on the balance sheet of IDBI Asset
Management Ltd (IAML) except amount invested in IDBI Mutual Fund
Schemes as Seed Capital (the cost is Rs.987 Lakh) which was redeemed
during the year subsequent to merger of IDBI MF schemes with LIC Mutual
Fund. Further, IDBI Mutual Fund scheme management business having
notional value, for which IAML has to receive total consideration of Rs.88.81
Crore, out of which IDBI AMC has received Rs.55 crore in cash and balance
it has received in the form of equity shares of LIC MF AMC. The company
has calculated capital gain on the said receipt and paid appropriate advance
tax for the same.

‚¸) ˆÅ¸£¸½¤¸¸£ ¡¸¸ ž¸¸¾Š¸¸½¢¥¸ˆÅ ‰¸¿”(”¸Ê) ¢¸¬¸Ÿ¸Ê ‡‡¬¸ Ÿ¡¸»¸º‚¥¸ û¿Å” ¡¸¸½¸›¸¸ œÏ¤¸¿š¸
b) 17, ‰¸¿” ¢£œ¸¸½¢’ôŠ¸ ˆ½Å ‚›¸º¬¸¸£ ƒ¬¸ˆÅú ¢£œ¸¸½’Ä ˆÅú Mutual Fund Scheme Management
¸¸÷¸ú í¾
the business or geographical segment(s)
in which it is reported as per AS 17,
Segment Reporting;

ƒ) œÏ¸£¿¢ž¸ˆÅ œÏˆÅ’úˆÅ£µ¸ ‹¸’›¸¸ ˆÅú ÷¸¸£ú‰¸ ‚¸¾£ ˆ¿Åœ¸›¸ú ‚¸¾£ ‡¥¸‚¸ƒÄ¬¸ú ‡Ÿ¸‡ûÅ ‡¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ¢¥¸¢Ÿ¸’½” (‡¥¸‚¸ƒÄ¬¸ú ‡‡Ÿ¸¬¸ú) ˆ½Å ¤¸ú¸ 29
c) œÏˆ¼Å¢÷¸; ¢™¬¸¿¤¸£, 2022 ˆÅ¸½ ¬ˆÅúŸ¸ ‚¿÷¸£µ¸ ˆÅ£¸£ íº‚¸ ˜¸¸. ¡¸í œÏˆÅ’›¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸
the date and nature of the initial ¨¸«¸Ä ‚¸¾£ 30 ¢¬¸÷¸¿¤¸£ ‡¨¸¿ 31 ¢™¬¸¿¤¸£, 2023 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ‚¨¸¢š¸ ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ¢ˆÅ¡¸¸
disclosure event; Š¸¡¸¸ ˜¸¸.
The Scheme Transfer Agreement was executed on December 29, 2022
between the company and LIC MF Asset Management Ltd (LIC AMC). The
disclosure was done in the financials for the year ended March 31, 2023
and period ended September 30 and December 31, 2023.

ƒÄ) ¨¸í ¢™›¸¸¿ˆÅ ¡¸¸ ‚¨¸¢š¸ ¸¤¸ ¤¸¿™ í¸½›¸½ ˆÅ¸ ˆÅ¸¡¸Ä œ¸»£¸ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ Ÿ¡¸»¸º‚¥¸ û¿Å” ¡¸¸½¸›¸¸‚¸Ê ˆÅ¸ ‚¿÷¸£µ¸ 29 ¸º¥¸¸ƒÄ 2023 ˆÅ¸½ œ¸»£¸ í¸½ Š¸¡¸¸.
d) í¸½›¸½ ˆÅú „ŸŸ¸ú™ í¾, ¡¸¢™ ±¸¸÷¸ ¡¸¸ ¢›¸š¸¸Ä£µ¸¡¸¸½Š¡¸ í¸½ Transfer of IDBI Mutual Fund Schemes was completed on July 29, 2023.
the date or period in which the
discontinuance is expected to be
completed if known or determinable;

542 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)

ÇÅ ‡‡¬¸ 24 œÏˆÅ’úˆÅ£µ¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‡Â ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2024 ˆ½Å ¢¥¸‡ œÏˆÅ’úˆÅ£µ¸
¬¸¿. AS 24 Disclosure Requirements Disclosure for FY 2024
Sr.
No.

„) ÷¸º¥¸›¸œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ¨¸í›¸ £¸¢©¸, ¢›¸œ¸’¸›¸ ˆÅú ‚¿÷¸¢£÷¸/¢›¸œ¸’¸›¸ ¢ˆÅ¡¸½ ¸¸›¸½ ¨¸¸¥¸½ ‹¸’ˆÅ ˆ½Å ¬¸¸˜¸ ˆÅ¸½ƒÄ ž¸¸¾¢÷¸ˆÅ ‚¸¦¬÷¸ ›¸íú¿ ˜¸ú ¢¬¸¨¸¸¡¸
e) ¸¸›¸½ ¨¸¸¥¸ú ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸Ê ‚¸¾£ ž¸ºŠ¸÷¸¸›¸ ˆÅú ¸¸›¸½ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‡‡Ÿ¸¬¸ú ˆÅ¸ ‡‡Ÿ¸¬¸ú £½œ¸¸½ Æ¥¸ú¡¸¢£¿Š¸ ‡¿” ‡Ÿ¸‡ûÅ ¡¸»¢’¢¥¸’ú ƒ¿¢”¡¸¸ œÏ¸ƒ¨¸½’
¨¸¸¥¸ú ˆºÅ¥¸ ™½¡¸÷¸¸‚¸½¿ ˆÅú; ¢¥¸¢Ÿ¸’½” Ÿ¸Ê ` 26 ¥¸¸‰¸ ˆ½Å £µ¸›¸ú¢÷¸ˆÅ ƒ¦Æ¨¸’ú ¢›¸¨¸½©¸ ˆ½Å, ¢¸¬¸ˆÅ¸ ¬¸½¤¸ú ˆ½Å ‚›¸ºŸ¸¸½™›¸ œ¸£ ¢›¸¡¸÷¸
the carrying amounts, as of the balance ¬¸Ÿ¸¡¸ Ÿ¸Ê ¢›¸œ¸’¸›¸ ˆÅ£ ¢™¡¸¸ ¸¸¡¸½Š¸¸.
sheet date, of the total assets to be There was no physical asset associated with the component transferred/ to
disposed of and the total liabilities to be be disposed off. except IDBI AMC has strategic equity investments in AMC
settled; Repo Clearing and MF Utility India Private Limited aggregating `26 lakh,
which shall be disposed off in due course subject to approval of the SEBI.
iii. Ÿ¡¸º¸º‚¥¸ û¿Å” ¡¸¸½¸›¸¸ œÏ¤¸¿š¸›¸ ¨¡¸¨¸¬¸¸¡¸ ˆÅú ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¨¸í›¸ £¸¢©¸ ` 26 ¥¸¸‰¸ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 1117 ¥¸¸‰¸) ‚¸¾£ ™½¡¸÷¸¸‡¿ ` 15 ¥¸¸‰¸ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 110
¥¸¸‰¸) ˜¸ú. ¢¨¸¨¸£µ¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿÀ
The carrying amount of the assets of the Mutual Fund Scheme management business was Rs. 26 lakhs (previous year Rs. 1117
lakhs) and liabilities of Rs. 15 lakh (previous year Rs.110 lakhs). The details are as under:

(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)

œ¸¢£¸¸¥¸›¸ ¸¸¥¸» £‰¸›¸¸ œ¸¢£¸¸¥¸›¸ ¤¸¿™ ˆÅ£›¸¸ ˆºÅ¥¸
Continuing operations Discontinuing operations Total
¢¨¸¨¸£µ¸
Particulars ¢¨¸î¸ú¡¸ ¨¸«¸Ä ¢¨¸î¸ú¡¸ ¨¸«¸Ä ¢¨¸î¸ú¡¸ ¨¸«¸Ä ¢¨¸î¸ú¡¸ ¨¸«¸Ä ¢¨¸î¸ú¡¸ ¨¸«¸Ä ¢¨¸î¸ú¡¸ ¨¸«¸Ä
2024 2023 2024 2023 2024 2023
FY 2024 FY 2023 FY 2024 FY 2023 FY 2024 FY 2023

‚¸¦¬÷¸¡¸¸¿ / Assets
‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ‚¸¦¬÷¸¡¸¸¿ 0.12 0.15 0.00 0.48 0.12 0.63
Deferred Tax Assets
¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸¿ / Fixed Assets 0.11 0.37 - - 0.11 0.37

Š¸¾£-¸¸¥¸» ¢›¸¨¸½©¸ 89 31 0.26 10 89 41

Non-Current Investments
‚›¡¸ Š¸¾£-¸¸¥¸» ‚¸¦¬÷¸¡¸¸¿ 0.44 0.47 - - 0.44 0.47
Other Non-Current Assets
¸¸¥¸» ‚¸¦¬÷¸¡¸¸¿ / Current Assets 125 95 0 0.57 125 96

ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸¿ / Total Assets 215 126 0.26 11 215 137

™½¡¸÷¸¸‡¿ / Liabilities
œ¸»¿¸ú ‚¸¾£ ‚¸£¢®¸÷¸ ¢›¸¢š¸ 215 124 0.11 10 215 134
Capital and Reserves
Š¸¾£ ¸¸¥¸» ™½¡¸÷¸¸‡¿ 0.01 0.21 - - 0.01 0.21
Non-Current Liabilities
¸¸¥¸» ™½¡¸÷¸¸‡¿ 0.13 1.5 0.15 1 0.28 3
Current liabilities

ˆºÅ¥¸ ™½¡¸÷¸¸‡¿ 215 126 0.26 11 215 137

Total Liabilities

¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ¢¨¸¨¸£µ¸ œ¸¢£¸¸¥¸›¸ ¸¸£ú £‰¸›¸½ ‚¸¾£ ¤¸¿™ ˆÅ£›¸½ ˆ½Å £¸¸¬¨¸ ‚¸¾£ ¨¡¸¡¸ ˆÅ¸½ ™©¸¸Ä÷¸¸ í¾À
The following statement shows the revenue and expenses of continuing and discontinuing operations:

dm{f©H$ [anmoQ>© Annual Report 2023-24 543

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)

œ¸¢£¸¸¥¸›¸ ¸¸¥¸» £‰¸›¸¸ œ¸¢£¸¸¥¸›¸ ¤¸¿™ ˆÅ£›¸¸ ˆºÅ¥¸
Continuing operations Discontinuing operations Total
¢¨¸¨¸£µ¸
Particulars ¢¨¸î¸ú¡¸ ¨¸«¸Ä ¢¨¸î¸ú¡¸ ¨¸«¸Ä ¢¨¸î¸ú¡¸ ¨¸«¸Ä ¢¨¸î¸ú¡¸ ¨¸«¸Ä ¢¨¸î¸ú¡¸ ¨¸«¸Ä ¢¨¸î¸ú¡¸ ¨¸«¸Ä
2024 2023 2024 2023 2024 2023
FY 2024 FY 2023 FY 2024 FY 2023 FY 2024 FY 2023
œÏ¤¸¿š¸›¸ ©¸º¥ˆÅ - - 9 29 9 29
Management Fee
‚›¡¸ ‚¸¡¸ 22 7 0.14 0.24 22 7
Other Income
ˆºÅ¥¸ ˆÅ¸£¸½¤¸¸£ 22 7 9 29 31 36
Total Turnover
ˆÅŸ¸Ä¸¸£ú ¥¸¸ž¸ 2 3 4 8 6 11
Employee Benefits
¢¨¸î¸ú¡¸ œÏž¸¸£ - - - 0.26 - 0.26
Financial Charges
Ÿ¸»¥¡¸Ý¸¬¸ 0.04 0.24 - - 0.04 0.24
Depreciation
‚›¡¸ œ¸¢£¸¸¥¸›¸ ¨¡¸¡¸ 3 5 4 5 7 10
Other Operating Expenses
œ¸¢£¸¸¥¸›¸ ¨¡¸¡¸ 5 8 8 13 13 21
Operating Expenses
œ¸»¨¸Ä ‚¨¸¢š¸ ˆ½ ¨¡¸¡¸ - - - (0.08) - (0.08)
Prior Period Expenses
‚¬¸¸š¸¸£µ¸ Ÿ¸™½¿ - - - (0.52) - (0.52)
Exceptional Items
ݸ¢¬¸·¸ í¸¢›¸ - - 0 - - -
Impairment Losses
œ¸¢£¸¸¥¸›¸ Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê 17 (1) 1 16 18 15
¬¸½ ˆÅ£ œ¸»¨¸Ä
Pre-tax from Operating
Activities

‚¸¦¬÷¸¡¸¸Ê ˆÅú ¢¤¸ÇÅú /¨¡¸¨¸¬¸¸¡¸ ¤¸¿™ 84 84

ˆÅ£›¸½ ¬¸½ ¥¸¸ž¸
Profit from sale of assets/
discontinue Business
‚¸¡¸ˆÅ£ ¨¡¸¡¸ (2) (1) (19) (0.27) (21) (1.27)
Income Tax Expenses
- ¨¸÷¸ÄŸ¸¸›¸ ¨¸«¸Ä- ¸¸¥¸» ˆÅ£ (2) (1) (19) - (21) (1)
Current Year-Current tax
- œ¸»¨¸Ä ˆÅ£(ˆÅŸ¸/‚¢š¸ˆÅ) (0.14) (0.23) - - (0.14) (0.23)
Earlier tax (Short/Excess)
- ‡Ÿ¸‡’ú ǽŢ”’/ ¤¸’Ã’½ ‰¸¸÷¸½ Ÿ¸Ê - - - (0.18) - (0.18)
”¸¥¸›¸¸
MAT Credit/ Write off
- ‚¸¦¬˜¸Š¸÷¸ ˆÅ£ ¨¡¸¡¸ (0.03) (0.04) (0.5) (0.09) (0.53) (0.13)
Deferred tax expense

544 Friendship That

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Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)

œ¸¢£¸¸¥¸›¸ ¸¸¥¸» £‰¸›¸¸ œ¸¢£¸¸¥¸›¸ ¤¸¿™ ˆÅ£›¸¸ ˆºÅ¥¸
Continuing operations Discontinuing operations Total
¢¨¸¨¸£µ¸
Particulars ¢¨¸î¸ú¡¸ ¨¸«¸Ä ¢¨¸î¸ú¡¸ ¨¸«¸Ä ¢¨¸î¸ú¡¸ ¨¸«¸Ä ¢¨¸î¸ú¡¸ ¨¸«¸Ä ¢¨¸î¸ú¡¸ ¨¸«¸Ä ¢¨¸î¸ú¡¸ ¨¸«¸Ä
2024 2023 2024 2023 2024 2023
FY 2024 FY 2023 FY 2024 FY 2023 FY 2024 FY 2023
ˆÅ£¸Ê ˆÅú œ¸¢£¸¸¥¸›¸ 15 (2) 66 15 81 13
Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê ¬¸½ ¥¸¸ž¸ / (í¸¢›¸)
Profit / (Loss) from Operating
activities from Taxes

12. ‚¸¦¬÷¸ Ÿ¸Ê ݸ¬¸ (‡‡¬¸-28) / IMPAIRMENT OF ASSET (AS-28)

œÏ¤¸¿š¸›¸ ˆÅú £¸¡¸ Ÿ¸½¿ ¸¸¥¸» ¨¸«¸Ä ‚¸¾£ ¢œ¸Ž¥¸½ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¸¦¬÷¸¡¸¸Ê Ÿ¸Ê ˆÅ¸½ƒÄ ݸ¬¸ ›¸íú¿ íº‚¸ í¾.
In the opinion of the Management, there is no impairment to the assets during the current year and previous year.

13. ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‡¿ / CONTINGENT LIABILITY

(ˆÅ) ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê / (a) In case of IDBI Bank Limited

‚. ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‚¸Ê ˆÅ¸ ¢¨¸¨¸£µ¸ (‡‡¬¸-29)@

A. DESCRIPTION OF CONTINGENT LIABILITIES (AS-29)@
ÇÅŸ¸ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸ ¬¸¿¢®¸œ÷¸ ¢¨¸¨¸£µ¸
¬¸¿. Contingent Liability Brief description
Sr.
No.

I ¤¸ÿˆÅ ˆ½Å ¢¨¸² Ö ™¸¨¸½ ¢¸›íÊ ˆÅ¸Ä ›¸íú¿ Ÿ¸¸›¸¸ Š¸¡¸¸ í¾. ¡¸í Ÿ¸™ ¬¸¸Ÿ¸¸›¡¸ ˆÅ¸£¸½¤¸¸£ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¤¸ÿˆÅ ˆ½Å œÏ¢÷¸ ¢¨¸¢š¸ˆÅ Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê ˆÅú Š¸ƒÄ ˆÅ¢÷¸œ¸¡¸ Ÿ¸¸¿Š¸¸Ê ÷¸˜¸¸
Claims against the Bank not œ¸¢£¸¸¥¸›¸ Ÿ¸¸Ÿ¸¥¸¸Ê ¨¸ š¸¸½‰¸¸š¸”õú ˆ½Å Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê „÷œ¸››¸ ŠÏ¸íˆÅ ˆ½Å ™¸¨¸¸Ê ˆÅ¸½ ™©¸¸Ä÷¸ú í¾. ¤¸ÿˆÅ ˆÅ¸½ ‡½¬¸ú
acknowledged as debts ˆÅ¸½ƒÄ ‚¸©¸¸ ›¸íú¿ í¾ ¢ˆÅ ƒ›¸ ˆÅ¸¡¸Ä¨¸¸¢í¡¸¸Ê ˆ½Å ˆÅ¸£µ¸ ¤¸ÿˆÅ ˆÅú ¢¨¸î¸ú¡¸ ¦¬˜¸¢÷¸, œ¸¢£¸¸¥¸›¸ œ¸¢£µ¸¸Ÿ¸¸Ê ¡¸¸
›¸ˆÅ™ú œÏ¨¸¸í œ¸£ ˆÅ¸½ƒÄ Ÿ¸í÷¨¸œ¸»µ¸Ä ¢¨¸œ¸£ú÷¸ ‚¬¸£ œ¸”õ½Š¸¸.
This item represents certain demands made in legal matters against the
Bank in the normal course of business and customer claims arising in
operational issues and fraud cases. The Bank does not expect the outcome
of these proceedings to have a material adverse effect on the Bank’s
financial conditions, results of operations or cash flows.

II ‚¸¿¢©¸ˆÅ ³Åœ¸ ¬¸½ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ‡ Š¸‡ ¢›¸¨¸½©¸¸Ê ˆ½Å ¡¸í Ÿ¸™ ‚¸¿¢©¸ˆÅ ³Åœ¸ ¬¸½ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ‡ Š¸‡ ¢›¸¨¸½©¸¸Ê ˆ½Å ¢¥¸‡ ™½¡¸÷¸¸ ˆÅú ©¸½«¸ ‚™î¸ £¸¢©¸¡¸¸Ê ˆÅ¸½
¢¥¸‡ ™½¡¸÷¸¸ ™©¸¸Ä÷¸ú í¾. ƒ¬¸Ÿ¸Ê „Ô¸Ÿ¸ œ¸»¿¸ú ¢›¸¢š¸¡¸¸Ê ˆ½Å ¢¥¸‡ ‚›¸¸í¢£÷¸ œÏ¢÷¸¤¸Ö÷¸¸‡¿ ž¸ú ©¸¸¢Ÿ¸¥¸ íÿ.
Liability for partly paid investments This item represents amounts remaining unpaid towards liability for partly
paid investments. This also includes undrawn commitments for Venture
Capital Funds.

dm{f©H$ [anmoQ>© Annual Report 2023-24 545

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

ÇÅŸ¸ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸ ¬¸¿¢®¸œ÷¸ ¢¨¸¨¸£µ¸

¬¸¿. Contingent Liability Brief description
Sr.
No.
III ¤¸ˆÅ¸¡¸¸ ¨¸¸¡¸™¸ ¢¨¸¢›¸Ÿ¸¡¸ ¬¸¿¢¨¸™¸‚¸Ê ˆ½Å ˆÅ¸£µ¸ ™½¡¸÷¸¸ ¤¸ÿˆÅ ‚œ¸›¸½ ¬¸¸Ÿ¸¸›¡¸ ˆÅ¸£¸½¤¸¸£ ˆ½Å ‚¿÷¸Š¸Ä÷¸ Ÿ¸ºÍ¸‚¸Ê ˆ½Å ž¸¸¨¸ú ÷¸¸£ú‰¸ ˆÅ¸½ œ¸»¨¸Ä-¢›¸š¸¸Ä¢£÷¸ Ÿ¸»¥¡¸ œ¸£
Liability on account of Outstanding ¢¨¸¢›¸Ÿ¸¡¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¬¸¿¢¨¸™¸‡Â ¢›¸«œ¸¸¢™÷¸ ˆÅ£÷¸¸ í¾. ¡¸í Ÿ¸™ ‡½¬¸ú íú ¬¸¿¢¨¸™¸‚¸Ê
forward exchange contracts ¸¸½ ”½¢£¨¸½¢’¨¸ ¢¥¸‰¸÷¸ íÿ, ˆÅú ‚¸›¸ºŸ¸¸¢›¸ˆÅ Ÿ¸»¥¸ £¸¢©¸ ˆÅ¸½ ™©¸¸Ä÷¸ú í¾. ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆ½Å ¬¸¸˜¸
¬¸¿¨¡¸¨¸í¸£ ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ¤¸ÿˆÅ ¬¸¸Ÿ¸¸›¡¸÷¸À ‚¿÷¸£-¤¸ÿˆÅ ¤¸¸{¸¸£ Ÿ¸Ê ‚¸ÁûÅ-¬¸½¢’¿Š¸ ¬¸¿¨¡¸¨¸í¸£ ˆÅ£÷¸¸
í¾. ƒ¬¸ˆ½Å œ¸¢£µ¸¸Ÿ¸-¬¨¸² œ¸ ‚¢š¸ˆÅ ¬¸¿‰¡¸¸ Ÿ¸Ê ¤¸ˆÅ¸¡¸¸ ¬¸¿¨¡¸¨¸í¸£ ‚¸¾£ ƒ¬¸ˆ½Å ˆÅ¸£µ¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½
¬¸¿¤¸¿š¸ú ¬¸ˆÅ¥¸ ˆÅ¦¥œ¸÷¸ Ÿ¸»¥¸š¸›¸ ˆÅ¸ ¨¸¼íÙ Ÿ¸»¥¡¸ ¬¸¼¢¸÷¸ í¸½÷¸¸ í¾, ¸¤¸¢ˆÅ ƒ¬¸ˆÅ¸ ¢›¸¨¸¥¸ ¤¸¸{¸¸£
¸¸½¢‰¸Ÿ¸ ˆÅŸ¸ í¸½÷¸¸ í¾.
The Bank enters into foreign exchange contracts in its normal course of
business, to exchange currencies at a pre-fixed price at a future date. This
item represents the notional principal amount of such contracts, which
are derivative instruments. With respect to the transactions entered into
with its customers, the Bank generally enters into off-setting transactions
in the inter-Bank market. This results in generation of a higher number of
outstanding transactions and hence a large value of gross notional principal
of the portfolio, while the net market risk is lower.
IV ¬¸¿‹¸’ˆÅ¸Ê ˆÅú ‚¸½£ ¬¸½ ž¸¸£÷¸ Ÿ¸Ê ¨¸ ž¸¸£÷¸ ¬¸½ ¤¸¸í£ ‚œ¸›¸½ ¤¸ÿ¢ˆ¿ÅŠ¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê ˆ½Å ž¸¸Š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¤¸ÿˆÅ ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆÅú ‚¸½£ ¬¸½ Š¸¸£¿¢’¡¸¸¿ ¸¸£ú ˆÅ£÷¸¸
™ú Š¸ƒÄ Š¸¸£¿¢’¡¸¸¿ í¾. Š¸¸£¿’ú ¬¸¸Ÿ¸¸›¡¸÷¸À ƒ¬¸ ‚œÏ¢÷¸¬¸¿í£µ¸ú¡¸ ‚¸æ¸¸¬¸›¸ ˆÅ¸½ œÏ™¢©¸Ä÷¸ ˆÅ£÷¸ú í¾ ¢ˆÅ ŠÏ¸íˆÅ ׸£¸
Guarantees given on behalf of ‚œ¸›¸½ ¢¨¸î¸ú¡¸ ¡¸¸ ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ™¸¢¡¸÷¨¸¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ Ÿ¸Ê ‚¬¸ûÅ¥¸ í¸½›¸½ œ¸£ ¤¸ÿˆÅ ž¸ºŠ¸÷¸¸›¸ ˆÅ£½Š¸¸.
constituents in India and outside India As a part of its banking activities, the Bank issues guarantees on behalf of
its customers. Guarantees generally represent irrevocable assurances that
the Bank will make payments in the event of customer failing to fulfill its
financial or performance obligations.
V ¬¨¸úˆ¼Å¢÷¸¡¸¸¿, œ¸¼«“¸¿ˆÅ›¸ ‚¸¾£ ‚›¡¸ ™¸¢¡¸÷¨¸ ¡¸í Ÿ¸™ ŠÏ¸íˆÅ ˆÅú †µ¸ ‚¨¸¦¬˜¸¢÷¸ Ÿ¸Ê ¬¸¿¨¸¼¢Ö ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸ˆÅ£ ¨¡¸¸œ¸¸£ ¢¨¸î¸ ¤¸ÿ¢ˆ¿ÅŠ¸
Acceptances, endorsements and Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê ˆ½Å ž¸¸Š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê, ¤¸ÿˆÅ ׸£¸ ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆÅú ÷¸£ûÅ ¬¸½ ‚›¡¸ œ¸®¸ˆÅ¸£¸Ê ˆ½Å œ¸®¸ Ÿ¸Ê
other obligations ¸¸£ú ™¬÷¸¸¨¸½¸ú †µ¸¸Ê ˆÅ¸½ œÏ™¢©¸Ä÷¸ ˆÅ£÷¸ú í¾. ƒ›¸ ¢¥¸‰¸÷¸¸Ê ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¤¸ÿˆÅ ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆ½Å
™¸¢¡¸÷¨¸¸Ê ˆ½Å ¢¥¸‡ ¬¸úš¸½ ¡¸¸ ŠÏ¸íˆÅ ׸£¸ ‚œ¸›¸½ ¢¨¸î¸ú¡¸ ¡¸¸ ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ™¸¢¡¸÷¨¸¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ Ÿ¸Ê
‚¬¸ûÅ¥¸ í¸½›¸½ œ¸£ ž¸ºŠ¸÷¸¸›¸ ˆÅú ¢¸ŸŸ¸½™¸£ú ¥¸½÷¸¸ í¾.
This item represents the documentary credits issued by the Bank in favour
of third parties on behalf of its customers, as part of its trade finance
banking activities with a view to augment the customers’ credit standing.
Through these instruments, the Bank undertakes to make payments for its
customers’ obligations, either directly or in case the customer fails to fulfil
their financial or performance obligations.
VI ¤¡¸¸¸ ™£ ‡¨¸¿ Ÿ¸ºÍ¸ ‚™¥¸¸-¤¸™¥¸ú ÷¸˜¸¸ †µ¸ ¸»ˆÅ ¡¸í Ÿ¸™ ¢¨¸¢¨¸š¸ ”½¢£¨¸½¢’¨¸ ¢¥¸‰¸÷¸¸Ê ˆÅú ˆÅ¦¥œ¸÷¸ Ÿ¸»¥¸ £¸¢©¸ ˆÅ¸½ ™©¸¸Ä÷¸ú í¾ ¢¸¬¸ˆÅ¸ ™¸¢¡¸÷¨¸ ¤¸ÿˆÅ
‚™¥¸¸-¤¸™¥¸ú ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ™½¡¸÷¸¸ ‚œ¸›¸½ ¬¸¸Ÿ¸¸›¡¸ ˆÅ¸£¸½¤¸¸£ ˆ½Å ÇÅŸ¸ Ÿ¸Ê „“¸÷¸¸ í¾. ¤¸ÿˆÅ ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ¡¸½ ¡¸¸½¸›¸¸‡¿ „›íÊ ‚œ¸›¸½
Liability in respect of interest rate and ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¢¨¸¢›¸Ÿ¸¡¸ ‚¸¾£ ¤¡¸¸¸ ™£ ¸¸½¢‰¸Ÿ¸¸Ê ˆÅ¸½ ‚¿÷¸¢£÷¸ ˆÅ£›¸½, ¬¸¿©¸¸½¢š¸÷¸ ˆÅ£›¸½ ¡¸¸ ˆÅŸ¸ ˆÅ£›¸½
currency swaps and credit default Ÿ¸Ê ¬¸®¸Ÿ¸ ¤¸›¸¸›¸½ ˆ½Å ¢¥¸‡ ‚¸ÁûÅ£ ˆÅ£÷¸¸ í¾. ¤¸ÿˆÅ ‚œ¸›¸ú ¤¡¸¸¸ ™£ ‚¸¾£ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¦¬˜¸¢÷¸¡¸¸Ê
swaps.
ˆ½Å œÏ¤¸¿š¸›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ž¸ú ¡¸½ ¬¸¿¢¨¸™¸‡¿ ˆÅ£÷¸¸ í¾. ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆ½Å ¬¸¸˜¸ ¬¸¿¨¡¸¨¸í¸£ ˆ½Å Ÿ¸¸Ÿ¸¥¸½
Ÿ¸Ê ¤¸ÿˆÅ ¬¸¸Ÿ¸¸›¡¸÷¸À ‚¿÷¸£-¤¸ÿˆÅ ¤¸¸{¸¸£ Ÿ¸Ê ‚¸ÁûÅ-¬¸½¢’¿Š¸ ¬¸¿¨¡¸¨¸í¸£ ˆÅ£÷¸¸ í¾. ƒ¬¸ˆ½Å œ¸¢£µ¸¸Ÿ¸-
¬¨¸³Åœ¸ ‚¢š¸ˆÅ ¬¸¿‰¡¸¸ Ÿ¸Ê ¤¸ˆÅ¸¡¸¸ ¬¸¿¨¡¸¨¸í¸£ ‚¸¾£ ƒ¬¸ˆ½Å ˆÅ¸£µ¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ¬¸¿¤¸¿š¸ú ¬¸ˆÅ¥¸
ˆÅ¦¥œ¸÷¸ Ÿ¸»¥¸š¸›¸ ˆÅ¸ ¨¸¼íÙ Ÿ¸»¥¡¸ „÷œ¸››¸ í¸½÷¸¸ í¾, ¸¤¸¢ˆÅ ¢›¸¨¸¥¸ ¤¸¸{¸¸£ ¸¸½¢‰¸Ÿ¸ ˆÅŸ¸ í¸½÷¸¸ í¾.

546 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

ÇÅŸ¸ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸ ¬¸¿¢®¸œ÷¸ ¢¨¸¨¸£µ¸

¬¸¿. Contingent Liability Brief description
Sr.
No.

This item represents the notional principal amount of various derivative

instruments which the Bank undertakes in its normal course of business.
The Bank offers these products to its customers to enable them to transfer
modify or reduce their foreign exchange and interest rate risks. The Bank
also undertakes these contracts to manage its own interest rate and
foreign exchange positions. With respect to the transactions entered into
with its customers, the Bank generally enters into off-setting transactions
in the inter-Bank market. This results in generation of a higher number of
outstanding transactions and hence a large value of gross notional principal
of the portfolio, while the net market risk is lower.

¤¸ÿˆÅ ž¸¸£÷¸ú¡¸ ˆÅ¸Á£œ¸¸½£½’ ¤¸¸¿” ¬¸½ ¸º”õ½ †µ¸ ¸¸½¢‰¸Ÿ¸ ˆ½Å œÏ¤¸¿š¸›¸ ˆ½Å ¢¥¸‡ †µ¸ ¸»ˆÅ ¬¨¸¾œ¸ (¬¸ú”ú‡¬¸)
ˆÅú í¸Ÿ¸ú™¸£ú ˆÅ£÷¸¸ í¾.
The Bank underwrites Credit Default Swap (CDS) transaction for managing
credit risks associated with Indian Corporate Bonds.

VII ‚›¡¸ ”½¢£¨¸½¢’¨¸ ¬¸¿¢¨¸™¸‚¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ™½¡¸÷¸¸ ¡¸í Ÿ¸™ ¢¨¸¢¨¸š¸ Ÿ¸ºÍ¸ ¢¨¸ˆÅ¥œ¸¸Ê ˆÅú ˆÅ¦¥œ¸÷¸ Ÿ¸»¥¸ £¸¢©¸ ˆÅ¸½ ™©¸¸Ä÷¸ú í¾ ¢¸¬¸ˆÅ¸ ™¸¢¡¸÷¨¸ ¤¸ÿˆÅ ‚œ¸›¸½
Liability in respect of other derivative ¬¸¸Ÿ¸¸›¡¸ ˆÅ¸£¸½¤¸¸£ ˆ½Å ÇÅŸ¸ Ÿ¸Ê „“¸÷¸¸ í¾. ¤¸ÿˆÅ ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ¡¸½ ¡¸¸½¸›¸¸‡¿ „›íÊ ‚œ¸›¸½ ¢¨¸™½©¸ú
contracts. Ÿ¸ºÍ¸ ¢¨¸¢›¸Ÿ¸¡¸ ¸¸½¢‰¸Ÿ¸¸Ê ˆÅ¸½ ˆÅŸ¸ ˆÅ£›¸½ Ÿ¸Ê ¬¸®¸Ÿ¸ ¤¸›¸¸›¸½ ˆ½Å ¢¥¸‡ ‚¸ÁûÅ£ ˆÅ£÷¸¸ í¾. ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê
ˆ½Å ¬¸¸˜¸ ¬¸¿¨¡¸¨¸í¸£ ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ¤¸ÿˆÅ ¬¸¸Ÿ¸¸›¡¸÷¸À ‚¿÷¸£-¤¸ÿˆÅ ¤¸¸{¸¸£ Ÿ¸Ê ‚¸ÁûÅ-¬¸½¢’¿Š¸ ¬¸¿¨¡¸¨¸í¸£
ˆÅ£÷¸¸ í¾. ƒ¬¸ˆ½Å œ¸¢£µ¸¸Ÿ¸-¬¨¸³Åœ¸ ‚¢š¸ˆÅ ¬¸¿‰¡¸¸ Ÿ¸Ê ¤¸ˆÅ¸¡¸¸ ¬¸¿¨¡¸¨¸í¸£ „÷œ¸››¸ í¸½÷¸¸ í¾, ¸¤¸¢ˆÅ
¢›¸¨¸¥¸ ¤¸¸{¸¸£ ¸¸½¢‰¸Ÿ¸ ˆÅŸ¸ í¸½÷¸¸ í¾.
This item represents the notional principal amount of various currency
options which the Bank undertakes in its normal course of business. The
Bank offers these products to its customers to enable them to reduce
their foreign exchange risks. With respect to the transactions entered into
with its customers, the Bank generally enters into off-setting transactions
in the inter-Bank market. This results in generation of a higher number of
outstanding transactions, while the net market risk is lower.

VIII ¢¨¸¨¸¸¢™÷¸ ˆÅ£, ¤¡¸¸¸ ˆÅ£, ™¿” ‡¨¸¿ ¤¡¸¸¸ Ÿ¸¸¿Š¸ ˆ½Å ¤¸ÿˆÅ ¢¨¸¸¸£¸š¸ú›¸ ‚œ¸ú¥¸¸Ê ¬¸¿¤¸¿š¸ú ¢¨¸¢¨¸š¸ ˆÅ£¸š¸¸›¸ Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê œ¸®¸ˆÅ¸£ í¾. ¤¸ÿˆÅ ‚¸©¸¸ ˆÅ£÷¸¸ í¾ ¢ˆÅ
ˆÅ¸£µ¸ ™½¡¸÷¸¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆ½Å ÷¸˜¡¸¸Ê ‚¸¾£ ‚¸¡¸ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸, 1961 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ‡¨¸¿ ¥¸¸Š¸» ˆÅ¸›¸»›¸¸Ê ˆ½Å ‚›¸º¬¸¸£
Liability on account of disputed taxes, ‚œ¸ú¥¸ œÏ¸¢š¸ˆÅ¸¢£¡¸¸Ê ׸£¸ ¢œ¸Ž¥¸½ ¨¸«¸¸½ô Ÿ¸Ê ‡½¬¸½ Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê ¢™‡ Š¸‡ ¢›¸µ¸Ä¡¸¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ƒ›¸
interest tax, penalty and Interest ‚œ¸ú¥¸¸Ê ˆ½Å ž¸ú ¢›¸µ¸Ä¡¸ ‚›¸ºˆ»Å¥¸ í¸ÊŠ¸½.
demands The Bank is a party to various taxation matters in respect of which appeals
are pending. The Bank expects the outcome of the appeals to be favorable
based on decisions on similar issues in the previous years by the appellate
authorities, based on the facts of the case and the provisions of Income Tax
Act, 1961 and applicable laws.

IX ‚›¡¸ Ÿ¸™Ê, ¢¸›¸ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ³Åœ¸ ¬¸½ ƒ¬¸ Ÿ¸™ Ÿ¸Ê ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ©¸¸¢Ÿ¸¥¸ íÿÀ
™¸¡¸ú í¾ This item represents the following
Others items for which the Bank is
contingently liable ˆÅ) ¬¸¸Ÿ¸¸›¡¸ ˆÅ¸£¸½¤¸¸£ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸ ˆ½Å ž¸¸Š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¤¸ÿˆÅ ׸£¸ ¬¨¸¡¸¿ ‚œ¸›¸ú ‚¸½£ ¬¸½
¬¸¸¿¢¨¸¢š¸ˆÅ œÏ¸¢š¸ˆÅ¸¢£¡¸¸Ê ÷¸˜¸¸ ‚›¡¸ ˆ½Å œ¸®¸ Ÿ¸Ê ¸¸£ú ˆÅú Š¸ƒô Š¸¸£¿¢’¡¸¸¿.
a) Guarantees issued by the Bank in favour of statutory authorities and
others on its own behalf, as part of normal business activity

dm{f©H$ [anmoQ>© Annual Report 2023-24 547

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

ÇÅŸ¸ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸ ¬¸¿¢®¸œ÷¸ ¢¨¸¨¸£µ¸

¬¸¿. Contingent Liability Brief description
Sr.
No.

‰ö¸) ¸Ÿ¸¸ˆÅ÷¸¸Ä ¢©¸®¸µ¸ ‡¨¸¿ ¸¸Š¸³ˆÅ÷¸¸ ¢›¸¢š¸ (”úƒÄ‡‡ûÅ) Ÿ¸Ê £¸¢©¸ ‚¿÷¸¢£÷¸ ˆÅú
Š¸ƒÄ-
¸Ÿ¸¸ˆÅ÷¸¸Ä ¢©¸®¸µ¸ ‡¨¸¿ ¸¸Š¸³ˆÅ÷¸¸ ¢›¸¢š¸ ¡¸¸½¸›¸¸ 2014 ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£
¡¸¸½¸›¸¸ Ÿ¸Ê ¢¨¸¢›¸¢™Ä«’ ‚›¸º¬¸¸£ ™¬¸ ¨¸«¸¸½ô ¡¸¸ „¬¸¬¸½ ‚¢š¸ˆÅ ¬¸Ÿ¸¡¸ ¬¸½ ¤¸ÿˆÅ ˆ½Å ¢›¸¦«ÇÅ¡¸ ‰¸¸÷¸¸Ê
Ÿ¸Ê œ¸”õú £¸¢©¸ ‚¸¾£ ™¸¨¸¸ ›¸ ˆÅú Š¸ƒÄ ©¸½«¸ £¸¢©¸ ÷¸˜¸¸ „¬¸ œ¸£ ‚¢¸Ä÷¸ ¤¡¸¸¸ ˆÅ¸½ ‚Š¸¥¸½
Ÿ¸íú›¸½ ˆ½Å ‚¿¢÷¸Ÿ¸ ˆÅ¸¡¸Ä ¢™¨¸¬¸ œ¸£ ‚¿÷¸¢£÷¸ ˆÅ£÷¸¸ í¾. ¡¸¢™ ŠÏ¸íˆÅ/ ¸Ÿ¸¸ˆÅ÷¸¸Ä ‚œ¸›¸ú
‚™¸¨¸ú £¸¢©¸/ ¸Ÿ¸¸ ˆ½Å ¢¥¸‡ Ÿ¸¸¿Š¸ ˆÅ£÷¸½ íÿ, ¢¸¬¸½ ¤¸ÿˆÅ ›¸½ ”úƒÄ‡ ¢›¸¢š¸ ¡¸¸½¸›¸¸ ˆ½Å ‚›¸º¬¸¸£,
œ¸í¥¸½ íú ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆÅ¸½ ‚¿÷¸¢£÷¸ ˆÅ£ ¢™¡¸¸ í¾, ¤¸ÿˆÅ ŠÏ¸íˆÅ/ ¸Ÿ¸¸ˆÅ÷¸¸Ä ˆÅ¸½ ¤¡¸¸¸ ¬¸¢í÷¸,
¡¸¢™ ¥¸¸Š¸» í¸½, ž¸ºŠ¸÷¸¸›¸ ˆÅ£÷¸¸ í¾ ‚¸¾£ ŠÏ¸íˆÅ ˆÅ¸½ ž¸ºŠ¸÷¸¸›¸ ˆÅú Š¸ƒÄ £¸¢©¸ ˆ½Å ¬¸Ÿ¸÷¸º¥¡¸
£¸¢©¸ ˆ½Å ¢¥¸‡ ¢£{¸¨¸Ä ¤¸ÿˆÅ ¬¸½ ¨¸¸œ¸¬¸ú ˆ½Å ¢¥¸‡ ™¸¨¸¸ ˆÅ£÷¸¸ í¾.
b) The amount transferred to Depositor Education and Awareness
Fund (DEAF) - In terms of guidelines of Depositor Education and
Awareness Fund Scheme 2014, the Bank transfers the proceeds
of the inoperative accounts and the balances remaining unclaimed
for ten years or more as specified in the scheme and the interest
accrued thereon, on the last working day of the subsequent month.
In case the customer / depositor(s) raises a demand for their
unclaimed amount / deposit which the Bank has already transferred
to RBI, as per DEA Fund Scheme, the Bank pays to the customer
/ depositor, along with interest, if applicable, and lodge a claim for
refund from RBI for an equivalent amount paid to the customer /
depositor.

Š¸) œ¸»¿¸ú ‰¸¸÷¸½ Ÿ¸Ê ¢›¸«œ¸¸™›¸ ˆ½Å ¢¥¸‡ ©¸½«¸ ‚¸¾£ œÏ¸¨¸š¸¸›¸ ›¸ ˆÅú Š¸ƒÄ ¬¸¿¢¨¸™¸‚¸Ê ˆÅú ‚›¸ºŸ¸¸¢›¸÷¸
£¸¢©¸, ‚›¸¸í¢£÷¸ ‚¸¿¢©¸ˆÅ †µ¸ ¬¸¿¨¸¼¢Ö ¬¸º¢¨¸š¸¸‡¿, ¸¤¸ ¸¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸¿, œÏ¢÷¸ž¸»¢÷¸¡¸¸¿
¸¸£ú í¸½›¸½ ÷¸ˆÅ, ‚¸¢™.
c) Estimated amount of contracts remaining to be executed on capital
account and not provided for, undrawn partial credit enhancement
facilities, When Issued Securities till issue of securities etc.

‚¸. ™ú‹¸¸Ä¨¸¢š¸ ¬¸¿¢¨¸™¸‡¿

B. Long term contracts
¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ‡ˆÅ œÏ¢ÇÅ¡¸¸ í¾ ¢¸¬¸Ÿ¸Ê ‚¸¨¸¢š¸ˆÅ ‚¸š¸¸£ œ¸£ ”½¢£¨¸½¢’¨¸ ¬¸¿¢¨¸™¸‚¸Ê ¬¸¢í÷¸ ¬¸ž¸ú ™ú‹¸¸Ä¨¸¢š¸ ¬¸¿¢¨¸™¸‚¸Ê ˆÅ¸ „¥¥¸½‰¸›¸ú¡¸ œ¸»¨¸¸Äž¸¸«¸ú í¸¢›¸¡¸¸Ê ˆ½Å ¢¥¸‡ Ÿ¸»¥¡¸¸¿ˆÅ›¸
¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. ¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê ¤¸ÿˆÅ ›¸½ ƒ¬¸ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅú ÷¸˜¸¸ ¬¸º¢›¸¢©¸÷¸ ¢ˆÅ¡¸¸ ¢ˆÅ ”½¢£¨¸½¢’¨¸ ¬¸¿¢¨¸™¸‚¸Ê ¬¸¢í÷¸ ‡½¬¸½ ™ú‹¸¸Ä¨¸¢š¸ ¬¸¿¢¨¸™¸‚¸Ê œ¸£ „¥¥¸½‰¸›¸ú¡¸ œ¸»¨¸¸Äž¸¸«¸ú
í¸¢›¸ ˆ½Å ¢¥¸‡ ¥¸½‰¸¸ ¤¸¢í¡¸¸Ê Ÿ¸Ê ¢ˆÅ¬¸ú ¢¨¸¢š¸ / ¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‚œ¸½¢®¸÷¸ ‚›¸º¬¸¸£ œ¸¡¸¸Äœ÷¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ‡ Š¸‡ íÿ.
The Bank has a process whereby periodically all long term contracts including derivative contracts are assessed for material
foreseeable losses. At the year end, the Bank has reviewed and ensured that adequate provision as required under any law/
accounting standards for material foreseeable losses on such long term contracts including derivative contracts has been made
in the books of account.

ƒ. ¥¸¿¢¤¸÷¸ Ÿ¸ºˆÅ™Ÿ¸½¿
C. Pending litigations
¤¸ÿˆÅ ˆ½Å ¥¸¿¢¤¸÷¸ Ÿ¸ºˆÅ™Ÿ¸¸Ê Ÿ¸Ê Ÿ¸º‰¡¸ ³Åœ¸ ¬¸½ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê, ŠÏ¸íˆÅ¸Ê ׸£¸ ¤¸ÿˆÅ ˆ½Å œÏ¢÷¸ ¢ˆÅ‡ Š¸‡ ™¸¨¸½ ‚¸¾£ ˆÅ£ œÏ¸¢š¸ˆÅ¸¢£¡¸¸Ê ˆ½Å œ¸¸¬¸ ¥¸¿¢¤¸÷¸ ˆÅ¸¡¸Ä¨¸¸¢í¡¸¸Â ©¸¸¢Ÿ¸¥¸ íÿ. ¤¸ÿˆÅ
›¸½ ‚œ¸›¸½ ¬¸ž¸ú ¥¸¿¢¤¸÷¸ Ÿ¸ºˆÅ™Ÿ¸¸Ê ‚¸¾£ ˆÅ¸¡¸Ä¨¸¸¢í¡¸¸Ê ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅú ‚¸¾£ ¸í¸¿ œÏ¸¨¸š¸¸›¸ ‚œ¸½¢®¸÷¸ í¾ ¨¸í¸Â œ¸¡¸¸Äœ÷¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ‡ íÿ ÷¸˜¸¸ ‚œ¸›¸½ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ¸í¸¿
¥¸¸Š¸» í¾ ¨¸í¸Â ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‚¸Ê ˆÅ¸ œÏˆÅ’›¸ ¢ˆÅ¡¸¸ í¾.

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The Bank’s pending litigations comprise of claims against the Bank primarily by the borrowers, customers and proceedings
pending with Income Tax authorities. The Bank has reviewed all its pending litigations and proceedings and has adequately
provided for where provisions are required and disclosed the contingent liabilities where applicable, in its financial statements.

@ Ÿ¸¸°¸¸÷Ÿ¸ˆÅ œÏˆÅ’›¸ ˆ½Å ¢¥¸‡ ‚›¸º¬¸»¸ú-12 ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‡Â ™½‰¸Ê.

@ Refer Schedule-12- Contingent Liabilities for quantitative disclosure.

ƒÄ. ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‚¸Ê ˆ½Å œÏ¢÷¸ œÏ¸¨¸š¸¸›¸ Ÿ¸½¿ ‹¸’-¤¸õ

D. Movement of provision against Contingent Liabilities
(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)
ÇÅ. ¬¸¿. ¢¨¸¨¸£µ¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23
Sr. No. Particulars FY 2023-24 FY 2022-23

ˆÅ / a ) œÏ¸£¿¢ž¸ˆÅ ©¸½«¸ / Opening Balance 178 115

‰¸ / b ) ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¨¸š¸Ä›¸ / (¢£¨¸¬¸Ä¥¸) / Addition/ (reversal) during the year 63 63

Š¸ / c ) ‚¿¢÷¸Ÿ¸ ©¸½«¸ / Closing Balance 241 178

(‰¸) ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ¢¥¸. ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

(b) In case of IDBI Asset Management Limited
i) ˆÅ£-¢›¸š¸¸Ä£µ¸ ¨¸«¸Ä 2015-16 ˆ½Å ¢¥¸‡ ‚¸¡¸ˆÅ£ ¢¨¸ž¸¸Š¸ ›¸½ š¸¸£¸ 143(3) ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢™›¸¸¿ˆÅ 26-12-2017 ˆ½Å ‚œ¸›¸½ ˆÅ£-¢›¸š¸¸Ä£µ¸ ‚¸™½©¸ ˆ½Å ¸¢£‡
ˆºÅŽ ¨¡¸¡¸¸Ê ˆÅú ‚›¸ºŸ¸¢÷¸ ›¸íú¿ ™ú ˜¸ú ¢¸¬¸¬¸½ í¸¢›¸ ˆÅŸ¸ í¸½ Š¸ƒÄ ˜¸ú ‚¸¾£ ‚¸¡¸ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸ ˆÅú š¸¸£¸ 271(1)(¬¸ú) ˆ½Å ‚¿÷¸Š¸Ä÷¸ ™¸¿¢”ˆÅ ˆÅ¸¡¸Ä¨¸¸íú ©¸º³ ˆÅú.
÷¸˜¸¸¢œ¸ ˆÅ¸½ƒÄ Ÿ¸¸¿Š¸ ›¸íú¿ ˆÅú Š¸ƒÄ í¾. ˆ¿Åœ¸›¸ú ›¸½ „Æ÷¸ ˆÅ£-¢›¸š¸¸Ä£µ¸ ˆ½Å ¢¨¸² Ö ‚œ¸ú¥¸ ™¸¡¸£ ˆÅú í¾. ƒ¬¸ ¬¸¿¤¸¿š¸ Ÿ¸Ê ˆÅ¸½ƒÄ œÏ¸¨¸š¸¸›¸ ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. (¢œ¸Ž¥¸½ ¨¸«¸Ä
©¸»›¡¸)
For the AY 2015-16 the Income Tax Department vide its assessment order under section 143(3) dated 26-12-2017
disallowed certain expenditures thereby reducing the loss and initiated penalty proceedings under section 271(1)(c) of the
Income Tax Act. However, no demand has been raised. The Company has filed an appeal against the said assessment.
No provision has been made in this regards. (Previous year Nil)

ii) ˆÅ£-¢›¸š¸¸Ä£µ¸ ¨¸«¸Ä 2018-19 (œ¸¢£©¸¸½š¸›¸) ˆ½Å ¢¥¸‡ ‚¸¡¸ˆÅ£ ¢›¸š¸¸Ä£µ¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¡¸Ô¸¢œ¸ ‚¸™½©¸ ‚¸¡¸ Ÿ¸Ê ©¸»›¡¸ ¨¸¼¢Ö ˆ½Å ¬¸¸˜¸ œ¸¸¢£÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾, œ¸£
š¸›¸¨¸¸œ¸¬¸ú œ¸£ ‚¢÷¸¢£Æ÷¸ ¤¡¸¸¸ ˆÅ¸ ‚›¸ºŸ¸¸›¸ ¥¸Š¸¸÷¸½ íº‡ ` 0.25 ˆÅ£¸½”õ ˆÅú Ÿ¸¸¿Š¸ œÏ¸œ÷¸ íºƒÄ ˜¸ú. ˆ¿Åœ¸›¸ú ›¸½ ‚¸¡¸ˆÅ£ ¢¨¸ž¸¸Š¸ ˆ½Å œ¸¸¬¸ œ¸¢£©¸¸½š¸›¸ ˆ½Å ¢¥¸‡
‚¸¨¸½™›¸ ¢ˆÅ¡¸¸ í¾, Æ¡¸¸½¿¢ˆÅ š¸›¸¨¸¸œ¸¬¸ú œ¸£ ¤¡¸¸¸ ˆÅú Š¸µ¸›¸¸ í½÷¸º ¢¨¸ž¸¸Š¸ ׸£¸ Š¸¥¸÷¸ ÷¸¸£ú‰¸ œ¸£ ¢¨¸¸¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸. ƒ¬¸ ¤¸ú¸, ¢¨¸ž¸¸Š¸ ›¸½ ˆÅ£ ¢›¸š¸¸Ä£µ¸ ¨¸«¸Ä
2021-22 ˆ½Å ¢¥¸‡ ’ú”ú‡¬¸ ¨¸¸œ¸¬¸ú Ÿ¸Ê ¬¸½ ‚¸™½©¸ £¸¢©¸ ˆÅ¸½ ¬¸Ÿ¸¸¡¸¸½¢¸÷¸ ˆÅ£ ¢¥¸¡¸¸. ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‡‡Ÿ¸¬¸ú ›¸½ 06 ‚Æ’»¤¸£ 2022 ˆÅ¸½ ‚›¸º£¸½š¸ ˆ½Å ¢¥¸‡
‡ˆÅ ‚›¸º¨¸÷¸úÄ œ¸°¸ ™¸¡¸£ ¢ˆÅ¡¸¸ í¾. ¬¸º›¸¨¸¸ƒÄ ˆÅú ¬¸»¸›¸¸ ‚¸¾£ ‚¸™½©¸ ˆÅ¸ ƒ¿÷¸¸¸£ í¾.
In connection with income Tax Assessment for AY 2018-19 (Rectification), though order passed with Zero Addition to the
income, demand for `0.25 Crores received on account of presumption of excess interest on refund. The company has
filed rectification with Income Tax Department as wrong date was considered by the department for calculation of Interest
of Refund. In the meantime, the Department adjusted the order amount against TDS refund for AY 2021-22. IDBI AMC
has filed a follow up letter for the request on October 06, 2022. Notice for hearing & order is awaited.

ƒ¬¸ ¬¸¿¤¸¿š¸ Ÿ¸Ê ˆÅ¸½ƒÄ œÏ¸¨¸š¸¸›¸ ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.(¢œ¸Ž¥¸½ ¨¸«¸Ä ©¸»›¡¸)
No provision has been made in this regards. (Previous Year Nil)

iii) ¢¤¸ÇÅú ˆÅ£ ˆ½Å „œ¸-‚¸¡¸ºÆ÷¸ (¨¸¬÷¸º ‡¨¸¿ ¢¤¸ÇÅú ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸)
DY. Commissioner of Sales Tax. (Goods and Services Tax Act )

¸ú‡¬¸’ú ¬¸¿¨¸ú®¸¸ ¢›¸š¸¸Ä£µ¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2017-18.

GST Scrutiny Assessment FY 2017-18.

‡ˆÅ ‚¸™½©¸ œ¸¸¢£÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ¢¸¬¸Ÿ¸Ê ¢¨¸ž¸¸Š¸ (2‡ ¤¸½Ÿ¸½¥¸) ׸£¸ `0.36 ˆÅ£¸½”õ ˆÅú ™½¡¸÷¸¸ ¢›¸š¸¸Ä¢£÷¸ ˆÅú Š¸ƒÄ. ƒ¬¸ £¸¢©¸ œ¸£ 30 Ÿ¸ƒÄ 2022 ÷¸ˆÅ ˆÅ¸ ¤¡¸¸¸
¥¸Š¸¸¡¸¸ Š¸¡¸¸ í¾.
An order has been passed in which a liability of ` 0.36 Crore has determined by Department (2A Mismatch). In this
Amount, Interest has been charged upto 30th May, 2022.

dm{f©H$ [anmoQ>© Annual Report 2023-24 549

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Schedules to the Consolidated Financial Statements

‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‡‡Ÿ¸¬¸ú ›¸½ ¢¨¸¨¸¸™ ˆ½Å ‚š¸ú›¸ ` 0.36 ˆÅ£¸½”õ ˆÅú ¬¸¿œ¸»µ¸Ä ™½¡¸÷¸¸‚¸Ê ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ˆÅ£ ¢™¡¸¸ ‚¸¾£ ‚Š¸¬÷¸ 2022 Ÿ¸Ê ¢¤¸ÇÅú ˆÅ£ ˆ½Å „œ¸ ‚¸¡¸ºÆ÷¸
ˆ½Å ¢™›¸¸¿ˆÅ 30 Ÿ¸ƒÄ, 2022 ˆ½Å ‚¸™½©¸ ˆ½Å ¢¨¸²Ö Ÿ¸¸›¸›¸ú¡¸ ‚¸¡¸ºÆ÷¸ ¸ú‡¬¸’ú (‚œ¸ú¥¸), Ÿ¸º¿¤¸ƒÄ Ÿ¸Ê ‚œ¸ú¥¸ ™¸¡¸£ ˆÅú í¾. „Æ÷¸ Ÿ¸¸Ÿ¸¥¸½ œ¸£ ‚ž¸ú ¬¸º›¸¨¸¸ƒÄ í¸½›¸¸
¤¸¸ˆÅú í¾. [¸»¿¢ˆÅ ¸Ÿ¸¸ ˆÅú Š¸ƒÄ £¸¢©¸ ˆÅ¸½ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê ™©¸¸Ä¡¸¸ ›¸íú¿ Š¸¡¸¸ í¾, ` 0.36 ˆÅ£¸½”õ ˆÅú ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸ Ÿ¸¸›¸¸ Š¸¡¸¸ í¾].
IDBI AMC has paid entire liability of ` 0.36 Crore under dispute and in August 2022 has filed an appeal to HON’BLE
Commissioner GST (Appeals), Mumbai against order dated May 30, 2022 of DY. Commissioner of Sales Tax. The matter
is yet to come for hearing. [As the amount deposited is not recognized in Profit & Loss account, contingent liability is kept
to the extent of `0.36 Crore]

iv) ¨¸¬÷¸º ‚¸¾£ ¢¤¸ÇÅú ˆÅ£

Goods and Services Tax

¢¨¸î¸ú¡¸ ¨¸«¸Ä 2019-20 ˆ½Å ¢¥¸‡ ¸ú‡¬¸’ú - ‡‡¬¸‡Ÿ¸’ú-10 ›¸¸½¢’¬¸ (¸¸¿¸ ˆ½Å ¤¸¸™ ¢¨¸¨¸£µ¸ú Ÿ¸Ê ¢¨¸¬¸¿Š¸¢÷¸¡¸¸Ê ˆÅ¸½ ¬¸»¢¸÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ›¸¸½¢’¬¸). ¬¸ú¸ú‡¬¸’ú
‚¢š¸¢›¸¡¸Ÿ¸, 2017 ˆÅú š¸¸£¸ 65 ˆ½Å ÷¸í÷¸ ¸ú‡¬¸’ú ¥¸½‰¸¸ œ¸£ú®¸¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¢™›¸¸¿ˆÅ 26 ¸»›¸ 2022 ˆÅ¸ ›¸¸½¢’¬¸ (›¸¸½¢’¬¸ ¬¸¿‰¡¸¸ ”ú¬¸ú-ƒÄ-637/540/
‡¥¸’ú¡¸»-04/ 2018-19/ /‡”ú’ú-01/2022-23/¤¸ú-121).
GST - ASMT-10 Notice for the Financial Year 2019-20 (Notice for intimating discrepancies in the return after scrutiny).
Notice dated June 26, 2022 for conducting GST Audit u/s 65 of the CGST Act, 2017 (Notice No. DC-E-637/540/ LTU-
04/ 2018-19/ /ADT-01/2022-23/B-121).

3¤¸ú ¤¸›¸¸Ÿ¸ 2‡ ˆ½Å ‚›¸º¬¸¸£ ‚¸ƒÄ’ú¬¸ú Ÿ¸Ê ‚¿÷¸£ - ` 0.32 ˆÅ£¸½”õ (‚¿÷¸£ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆ½Å ¬¸ú¸ú‡¬¸’ú-‡¬¸¸ú‡¬¸’ú Ÿ¸Ê ¢£¨¸¬¸Ä ‚¸ƒÄ’ú¬¸ú ‚¸¾£
‚¸ƒÄ¸ú‡¬¸’ú Ÿ¸Ê ™¸¨¸¸ ¢ˆÅ‡ Š¸‡ ‚¸ƒÄ’ú¬¸ú ¬¸½ ˜¸¸).
Difference in ITC as per 3B Vs 2A - ` 0.32 Crore (Difference was on account of ITC Reversed in CGST-SGST of IDBI Bank
Reversed and ITC Claimed in IGST)

‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‡‡Ÿ¸¬¸ú ›¸½ „¢¸÷¸ ¬œ¸«’úˆÅ£µ¸ ˆ½Å ¬¸¸˜¸ „Æ÷¸ ‚¸™½©¸ ˆ½Å ¢¨¸²Ö ‚œ¸›¸¸ ¢›¸¨¸½™›¸ ¢ˆÅ¡¸¸ í¾. ‚ž¸ú ÷¸ˆÅ ¢¨¸ž¸¸Š¸ ¬¸½ ˆÅ¸½ƒÄ ‚¢÷¸¢£Æ÷¸ Ÿ¸¸¿Š¸ ˆÅú œÏ¸¦œ÷¸
›¸íú¿ íºƒÄ í¾. ¢¨¸ž¸¸Š¸ ¬¸½ ‚¸Š¸½ ˆÅú ¬¸»¸›¸¸ ˆÅú œÏ÷¸ú®¸¸ ˆÅú ¸¸ £íú í¾. ‚÷¸À ƒ¬¸ ¬÷¸£ œ¸£ ˆÅ¸½ƒÄ œÏ¸¨¸š¸¸›¸ ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
IDBI AMC has made its submission against the said order with due explanation. As of now, no further requirement from
the Department has been received. Awaiting for further intimation from the Dept. Hence, no provision created at this
stage.

(Š¸) ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄΓ¸ ‡¿” ¢¬¸Æ¡¸º¢£’ú¸ ¢¥¸. ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê / (c) In case of IDBI Capital Markets & Securities Limited
i) ‚›¡¸ Ÿ¸™Ê ¢¸¬¸ˆ½Å ¢¥¸‡ ˆ¿Åœ¸›¸ú ‚¸ˆÅ¦¬Ÿ¸ˆÅ ³Åœ¸ ¬¸½ ™¸¡¸ú í¾ - / Other items for which the Company is contingently liable-
1. ˆ¿Åœ¸›¸ú ˆ½Å ¢¨¸²Ö †µ¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¬¨¸úˆÅ¸£ ›¸ ¢ˆÅ‡ Š¸‡ ™¸¨¸½ - ` 2 ˆÅ£¸½”õ (¢œ¸Ž¥¸ú ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ `2 ˆÅ£¸½”õ) í¾ ¢¸¬¸Ÿ¸Ê 18% ˆÅú ™£ ¬¸½ `0.24
ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ `0.08 ˆÅ£¸½”õ) ˆÅ¸ ¤¡¸¸¸ ©¸¸¢Ÿ¸¥¸ í¾.
Claims against the company not acknowledged as debt `2 Crore (Previous period `2 Crore) including interest @
18% amounting to ` 0.24 Crore (Previous year `0.08 Crore).

ˆÅ) ¢¨¸¨¸¸¢™÷¸ ‚¸¡¸ˆÅ£ Ÿ¸¸Ÿ¸¥¸½

a) Disputed Income Tax Matters

(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)

¢¨¸¨¸¸¢™÷¸ ˆÅ£ £¸¢©¸ / Disputed Tax Amount

ˆÅ£-¢›¸š¸¸Ä£µ¸ ¨¸«¸Ä
Assessment Year ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023
As on March 31, 2024 As on March 31, 2023

2014-15 - 0.29

2018-19 - 0.57

2022-23 5.44 -

ˆºÅ¥¸ / Total 5.44 0.86

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g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

„œ¸¡¸ºÄÆ÷¸ ¢¨¸¨¸¸¢™÷¸ ‚¸¡¸ˆÅ£ ˆ½Å Ÿ¸¸Ÿ¸¥¸½ ¢¨¸¢ž¸››¸ ‚œ¸ú¥¸ œÏ¸¢š¸ˆÅ¸¢£¡¸¸Ê ˆ½Å ¬¸Ÿ¸®¸ ¥¸¿¢¤¸÷¸ íÿ. ˆ¿Åœ¸›¸ú ˆÅ¸½ ƒ¬¸ˆ½Å ¢¨¸¢š¸ˆÅ œ¸£¸Ÿ¸©¸Ä™¸÷¸¸ ׸£¸ ¡¸í
ž¸ú ¬¸»¢¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ¢ˆÅ ˆ¿Åœ¸›¸ú ˆ½Å ¢¨¸² Ö ˆÅ£ ˆÅú Ÿ¸¸¿Š¸ ‚¬¸Ÿ¸˜¸Ä›¸ú¡¸ í¾ ‚¸¾£ Ÿ¸¸¿Š¸ ˆÅ¸½ Ÿ¸¸›¡¸ “í£¸‡ ¸¸›¸½ ˆÅú ¬¸¿ž¸¸¨¸›¸¸ ˆÅŸ¸ í¾. ÷¸™Ã›¸º¬¸¸£
ƒ¬¸ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ˆÅ¸½ƒÄ œÏ¸¨¸š¸¸›¸ ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
Disputed Income Tax matters as above are pending before various Appellate Authorities. The Company has
also been advised by its legal counsel that the tax demand against the company is untenable and likelihood
of demand being upheld is low. Accordingly no provision in respect thereof has been made.

ˆÅ£ ¢›¸š¸¸Ä£µ¸ ¨¸«¸Ä 2006-07 ‚¸¾£ 2008-09 ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚¸¡¸ˆÅ£ ¢¨¸ž¸¸Š¸ ›¸½ ‚œ¸ú¥¸ú¡¸ ˆÅ¸¡¸Ä¨¸¸íú Ÿ¸Ê ˆ¿Åœ¸›¸ú ˆÅ¸½ ‚›¸ºŸ¸÷¸ ˆºÅŽ ¨¡¸¡¸¸Ê ˆ½Å
¬¸¿¤¸¿š¸ Ÿ¸Ê Ÿ¸¸›¸›¸ú¡¸ „¸ ›¡¸¸¡¸¸¥¸¡¸ Ÿ¸Ê ‚œ¸ú¥¸ ˆÅú í¾. ÷¸˜¸¸¢œ¸ ‚¸Š¸½ ¥¸½ ¸¸ƒÄ Š¸ƒÄ í¸¢›¸¡¸¸Ê/ ‡Ÿ¸‡’ú ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¬¨¸úˆÅ¸¡¸Ä ˆÅ£ ˆ½Å ¬¸Ÿ¸¸¡¸¸½¸›¸
ˆ½Å ˆÅ¸£µ¸ ˆ¿Åœ¸›¸ú ¬¸½ ˆÅ¸½ƒÄ ˆÅ£ Ÿ¸¸¿Š¸ ›¸íú¿ ˆÅú Š¸ƒÄ. ˆÅ£-¢›¸š¸¸Ä£µ¸ ¨¸«¸Ä 2012-13 (¢¨¸î¸ú¡¸ ¨¸«¸Ä 2011-12) ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚¸¡¸ˆÅ£ ¢¨¸ž¸¸Š¸ ›¸½
‚¸ƒÄ’ú‡’ú ‚¸™½©¸ ˆ½Å ¢¨¸² Ö Ÿ¸¸›¸›¸ú¡¸ „¸ ›¡¸¸¡¸¸¥¸¡¸ Ÿ¸Ê ‚œ¸ú¥¸ ˆÅú í¾. 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¡¸í ‚œ¸ú¥¸ „¸ ›¡¸¸¡¸¸¥¸¡¸ Ÿ¸Ê ¬¨¸úˆÅ¸£µ¸
í½÷¸º ¢¨¸¸¸£¸š¸ú›¸ í¾ ‚¸¾£ ˆ¿Åœ¸›¸ú ›¸½ ‚œ¸›¸½ ¤¸¸¸¨¸ ˆ½Å ¢¥¸‡ ‚¸¨¸©¡¸ˆÅ ˆÅ™Ÿ¸ „“¸‡ íÿ.
In respect of Assessment Years 2006-07 and 2008-09, the Income Tax Dept. has gone in appeal before
High Court pertaining to some of the expenses allowed to the Company in appellate proceedings. However
there were no tax demands on the company due to adjustment of carried forward losses/admitted tax
under MAT. In respect of Assessment Year 2012-13 (Financial Year 2011-12) Dept. has filed an appeal in
High Court against the order of ITAT. This appeal before the High Court is pending for admission as on
March 31, 2024 and Company has taken necessary steps to defend its position.

‰¸) ¢¨¸¨¸¸¢™÷¸ ¬¸½¨¸¸ ˆÅ£ Ÿ¸¸Ÿ¸¥¸½.

b) Disputed Service Tax Matters
¢¨¸ž¸¸Š¸ ׸£¸ ˆÅú Š¸ƒÄ ¬¸½¨¸¸ ˆÅ£ ¥¸½‰¸¸œ¸£ú®¸¸ ˆ½Å ™¸¾£¸›¸ œ¸¸¡¸½ Š¸‡ ¢›¸«ˆÅ«¸Ä ˆ½Å ‚¸š¸¸£ œ¸£ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ¢¨¸î¸ú¡¸ ¨¸«¸¸½ô ˆ½Å ¢¥¸‡ ¬¸½¨¸¸ ˆÅ£ ¢¨¸ž¸¸Š¸
׸£¸ ˆÅ¸£µ¸ ¤¸÷¸¸‚¸½ ›¸¸½¢’¬¸ ¸¸£ú ¢ˆÅ¡¸½ Š¸¡¸½ íÿ.
Show cause notices have been raised by the Service Tax Dept. for following financial years based on the
findings during the Service Tax Audit conducted by the Department.

(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)

¢¨¸¨¸¸¢™÷¸ ¬¸½¨¸¸ ˆÅ£ £¸¢©¸
Disputed Service Tax Amount
¢¨¸î¸ú¡¸ ¨¸«¸Ä
Financial Year ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2024 ¡¸˜¸¸ 31 Ÿ¸¸¸Ä 2023
As on March 31, 2024 As on March 31, 2023

2010-11 0.006 0.006

2011-12 2 2

2012-13 1 1

2013-14 2 2

2014-15 2 2

2015-16 1 2

2016-17 0.004 0.65

2017-18 1 2

2018-19 4 4

2019-20 3 3

2020-21 0.015 -

2021-22 0.023 -

ˆºÅ¥¸ / TOTAL 16 18

dm{f©H$ [anmoQ>© Annual Report 2023-24 551

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§
Schedules to the Consolidated Financial Statements

ˆ¿Åœ¸›¸ú ׸£¸ ¬¸ž¸ú ˆÅ¸£µ¸ ¤¸÷¸¸‚¸½ ›¸¸½¢’¬¸¸Ê ‚¸¾£ Ÿ¸¸ÂŠ¸¸Ê ˆÅ¸ œÏ¢÷¸¨¸¸™ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ‚¸¾£ ¡¸½ ¬¸¿¤¸¦›š¸÷¸ œÏ¸¢š¸ˆÅ¸¢£¡¸¸Ê ˆ½Å ¬¸Ÿ¸®¸ ¢¨¸¸¸£¸š¸ú›¸ íÿ.
All the show cause notices and demand raised have been contested by the Company and are pending before
the respective authorities.
2. ¸º¥¸¸ƒÄ, 2022 Ÿ¸Ê ˆ¿Åœ¸›¸ú ˆ½Å ¢£’½¥¸ ¤Ï¸½¢ˆ¿ÅŠ¸ ˆÅ¸£¸½¤¸¸£ Ÿ¸Ê š¸¸½‰¸¸š¸”õú ˆÅú ‡ˆÅ ‹¸’›¸¸ ˆÅ¸ œ¸÷¸¸ ¸¥¸¸. ¢©¸ˆÅ¸¡¸÷¸ˆÅ÷¸¸Ä ›¸½ ‚¸£¸½œ¸ ¥¸Š¸¸¡¸¸ ˜¸¸ ¢ˆÅ
ˆ¿Åœ¸›¸ú ׸£¸ ¢©¸ˆÅ¸¡¸÷¸ˆÅ÷¸¸Ä ˆ½Å ›¸¸Ÿ¸ œ¸£ ¢©¸ˆÅ¸¡¸÷¸ˆÅ÷¸¸Ä ˆÅú ¬¸íŸ¸¢÷¸ ˆ½Å ¢¤¸›¸¸ š¸¸½‰¸¸š¸”õú ‚¸¾£ ™¬÷¸¸¨¸½¸¸Ê Ÿ¸Ê í½£¸û½Å£ú ˆÅ£ ‡ˆÅ ’ï½¢”¿Š¸ ‰¸¸÷¸¸ ‰¸¸½¥¸¸
Š¸¡¸¸ í¾. „Æ÷¸ ’ï½¢”¿Š¸ ‰¸¸÷¸½ ˆÅ¸½ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ¢©¸ˆÅ¸¡¸÷¸ˆÅ÷¸¸Ä ˆ½Å Ÿ¸¸¾¸»™¸ ”úŸ¸¾’ ‰¸¸÷¸½ ¬¸½ ¸¸½”õ¸ Š¸¡¸¸ í¾ ‚¸¾£ „Æ÷¸ ”úŸ¸¾’ ‰¸¸÷¸½ ˆ½Å
©¸½¡¸£¸Ê ˆÅ¸½ ¢©¸ˆÅ¸¡¸÷¸ˆÅ÷¸¸Ä ˆÅú ¬¸íŸ¸¢÷¸ ˆ½Å ¢¤¸›¸¸ ‚¨¸¾š¸ ³Åœ¸ ¬¸½ ¤¸½¸ ¢™¡¸¸ Š¸¡¸¸. ¢¤¸ÇÅú ˆÅú ‚¸¡¸ ˆÅ¸½ ¤¸ÿˆÅ ‰¸¸÷¸¸Ê Ÿ¸Ê ¬˜¸¸›¸¸¿÷¸¢£÷¸ ˆÅ£ ¢™¡¸¸ Š¸¡¸¸,
¢¸¬¸ˆ½Å ¤¸¸£½ Ÿ¸Ê ¢©¸ˆÅ¸¡¸÷¸ˆÅ÷¸¸Ä ˆÅ¸ ™¸¨¸¸ í¾ ¢ˆÅ ¨¸í ¢©¸ˆÅ¸¡¸÷¸ˆÅ÷¸¸Ä ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ›¸íú¿ í¾. (‚¿÷¸¢£÷¸ £¸¢©¸ ˆÅ¸ Ÿ¸»¥¡¸ ` 0.75 ˆÅ£¸½”õ ˜¸¸). ˆ¿Åœ¸›¸ú
׸£¸ ‚¸¢˜¸ÄˆÅ ‚œ¸£¸š¸ ©¸¸‰¸¸ (Ÿ¸º¿¤¸ƒÄ) ˆÅ¸½ ¬¸¸¾œ¸ú Š¸ƒÄ ¢©¸ˆÅ¸¡¸÷¸ ¬¨¸úˆÅ¸£ ˆÅ£ ¥¸ú Š¸ƒÄ íÿ ‚¸¾£ Ÿ¸¸Ÿ¸¥¸½ ˆÅú ¸¸¿¸ ‚œ¸£¸š¸ ©¸¸‰¸¸ (Ÿ¸º¿¤¸ƒÄ) ׸£¸
ˆÅú ¸¸ £íú íÿ. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸ ¢©¸ˆÅ¸¡¸÷¸ˆÅ÷¸¸Ä ›¸½ ˆ¿Åœ¸›¸ú ‚¸¾£ ‚›¡¸ ˆ½Å ¢‰¸¥¸¸ûÅ ¤¸¸ÁŸ¤¸½ „¸ ›¡¸¸¡¸¸¥¸¡¸ ˆ½Å ¬¸Ÿ¸®¸ ‡ˆÅ ¢£’ ¡¸¸¢¸ˆÅ¸ ™¸¡¸£ ˆÅú
íÿ, ¢¸¬¸Ÿ¸Ê ¢©¸ˆÅ¸¡¸÷¸ˆÅ÷¸¸Ä ˆÅú ¬¸íŸ¸¢÷¸ ˆ½Å ¢¤¸›¸¸ ¤¸½¸½ Š¸‡ ©¸½¡¸£¸Ê ˆÅú ¤¸í¸¥¸ú ˆÅú Ÿ¸¸¿Š¸ ˆÅú Š¸ƒÄ íÿ. Ÿ¸¸Ÿ¸¥¸½ ˆÅú ¬¸º›¸¨¸¸ƒÄ ¤¸¿¤¸ƒÄ „¸ ›¡¸¸¡¸¸¥¸¡¸ Ÿ¸Ê
¥¸¿¢¤¸÷¸ íÿ.
An incident of fraud was detected in the Retail Broking Business of the Company in the month of July 2022.
The Complainant has alleged that a Trading Account has been opened by the Company in the name of the
Complainant without the Complainant’s consent using fraudulent and manipulated documents. The said Trading
account has been mapped to an existing Demat Account of the Complainant with IDBI Bank and the shares in
the said demat account have been illegally sold without the consent of the Complainant. The proceeds of the sale
have been transferred to Bank Accounts which the Complainant claims do not belong to the Complainant. (Value
of proceeds transferred was `0.75 Crore). The complaint submitted by the Company to the Economic Offences
Wing (Mumbai) has been accepted and the matter is under investigation by the Crime Branch (Mumbai). Further
the Complainant has filed a Writ Petition before the High Court of Bombay against the Company and Others inter
alia seeking reinstatement of the shares which have sold without the consent of the Complainant. The matter is
pending hearing at the High Court of Bombay.

(‹¸) ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ƒ¿’½ˆÅ ¢¥¸. ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê / (d) In case of IDBI Intech Limited

i. ˆ¿Åœ¸›¸ú ›¸½ ‚œ¸›¸ú ‚¸ƒÄ’ú œ¸¢£¡¸¸½¸›¸¸‚¸Ê ˆ½Å ¢¥¸‡ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ `12 ˆÅ£¸½”õ ˆÅú ¤¸ÿˆÅ Š¸¸£¿’ú ¸¸£ú ˆÅú í¾. 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ƒ›¸ Š¸¸£¿¢’¡¸¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‚¸ˆÅ¦¬Ÿ¸ˆÅ
™½¡¸÷¸¸‡¿ `12 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä À `5 ˆÅ£¸½”õ) £íú¿.
The Company has provided bank guarantee of `12 Crore to customers for its IT Projects. as at 31st March 2024, the
contingent liabilities under these guarantees amounted to `12 Crore (previous year `5 Crore)

ii. œ¸»¨¸Ä¨¸÷¸úÄ ‚¸½¤¸ú‡¬¸’ú ¨¸¢’Ĉť¸ ˆ½Å ‡ˆÅ œ¸»¨¸Ä ˆÅŸ¸Ä¸¸£ú ˆÅ¸½ ` 0.04 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä ` 0.04 ˆÅ£¸½”õ) ˆÅú œÏ¢÷¸ˆÅ£ £¸¢©¸ ‚™¸ ˆÅ£›¸½ ˆ½Å ¸¡¸œ¸º£ „¸
›¡¸¸¡¸¸¥¸¡¸ ˆ½Å ‚¸™½©¸ ˆ½Å œÏ¢÷¸ ˆ¿Åœ¸›¸ú ›¸½ œÏ¢÷¸¨¸¸™ ¢ˆÅ¡¸¸ í¾ ‚¸¾£ „¸ œ¸ú“ Ÿ¸Ê ‚œ¸ú¥¸ ™¸¡¸£ ˆÅú í¾ ÷¸˜¸¸ ‚›¸ºˆ»Å¥¸ ¢›¸µ¸Ä¡¸ ˆÅú ‚¸©¸¸ í¾. ˆ¿Åœ¸›¸ú ›¸½ ‚›¸ºŸ¸¸¢›¸÷¸
¬¸¸¿¢¨¸¢š¸ˆÅ ¤¸ˆÅ¸¡¸¸Ê ¬¸¢í÷¸ ‚›¸ºŸ¸¸¢›¸÷¸ ‚¸š¸¸£ œ¸£ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ í¾. ÷¸˜¸¸¢œ¸, „Æ÷¸ ‚¸½¤¸ú‡¬¸’ú ¨¸¢’Ĉť¸ ˆ½Å ™»¬¸£½ œ¸»¨¸Ä-ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ ¢ˆÅ¬¸ú ‚›¡¸ Ÿ¸º‚¸¨¸¸½
ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ˆÅ£›¸½ ˆ½Å œ¸¢£µ¸¸Ÿ¸ ˆÅ¸ œ¸÷¸¸ ›¸íú¿ ¥¸Š¸¸¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾ ‚¸¾£ ƒ¬¸¢¥¸‡ ¬¸½¨¸¸¢›¸¨¸¼¢î¸ ¥¸¸ž¸¸Ê ˆÅ¸½ Ž¸½”õˆÅ£ ˆÅ¸½ƒÄ ‚¥¸Š¸ œÏ¸¨¸š¸¸›¸ ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
The company has contested and has appealed at higher bench against an order passed by the Jaipur High Court
for a claim to pay compensation amounting to ` 0.04 Crore (previous year `0.04 Crore) to one of the ex-employees
of the erstwhile OBST vertical and expects favorable outcome. The company has made provision on estimated basis
including the possible statutory dues. However the outcome to pay any further compensation to other ex-employees of
the said OBST vertical cannot be ascertained and hence no separate provision, except the retiring benefits, has been
made.

iii. ƒÄ‡¬¸‚¸ƒÄ¬¸ú ˆ½Å ¨¸¬¸»¥¸ú ¢¨¸ž¸¸Š¸, ®¸½°¸ú¡¸ ˆÅ¸¡¸¸Ä¥¸¡¸ ÷¸½¥¸¿Š¸¸›¸¸ ›¸½ ©¸¸‰¸¸ œÏ¤¸¿š¸ˆÅ, Ÿ¸½¬¸¬¸Ä ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ, Š¸¸¦¸¤¸¸¾¥¸ú ©¸¸‰¸¸, ÷¸½¥¸¿Š¸¸›¸¸ ˆÅ¸½ ˆ¿Åœ¸›¸ú
׸£¸ ‚¸½¤¸ú‡¬¸’ú ¨¸¢’Ĉť¸ ˆ½Å ¢¥¸‡ œÏ¸œ÷¸ ƒÄ‡¬¸‚¸ƒÄ¬¸ú œ¸¿¸úˆÅ£µ¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚Æ÷¸»¤¸£ 2010 ¬¸½ ¸»›¸ 2011 ˆÅú ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ƒÄ‡¬¸‚¸ƒÄ¬¸ú
¡¸¸½Š¸™¸›¸/¤¡¸¸¸/›¸ºˆÅ¬¸¸›¸ ˆ½Å ¢¥¸‡ `0.13 ˆÅ£¸½”õ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ˆÅ£›¸½ ˆÅ¸ ‚¸™½©¸ ¸¸£ú ¢ˆÅ¡¸¸ ˜¸¸ ‚¸¾£ ƒ¬¸ˆ½Å ¤¸¸™ ˆ¿Åœ¸›¸ú ˆ½Å ‰¸¸÷¸½ ¬¸½ ¬¸úš¸½ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ
¤¸ÿˆÅ, ÷¸½¥¸¿Š¸¸›¸¸ ©¸¸‰¸¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ „Æ÷¸ £¸¢©¸ ¨¸¬¸»¥¸ ˆÅú Š¸ƒÄ ˜¸ú. ˆ¿Åœ¸›¸ú ˆÅ¸ Ÿ¸¸›¸›¸¸ íÿ ¢ˆÅ „Æ÷¸ £¸¢©¸ ƒÄ‡¬¸‚¸ƒÄ¬¸ú ׸£¸ Š¸¥¸÷¸ ÷¸£úˆ½Å ¬¸½ ¨¸¬¸»¥¸ ˆÅú Š¸ƒÄ íÿ
Æ¡¸¸Ê¢ˆÅ „Æ÷¸ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ¨¸¸¬÷¸¢¨¸ˆÅ £¸¢©¸ œ¸í¥¸½ íú ¢›¸¡¸÷¸ ÷¸¸£ú‰¸ ˆ½Å ž¸ú÷¸£ ž¸½¸ ™ú Š¸ƒÄ ˜¸ú. ¬¸¥¸¸íˆÅ¸£ ˆÅú ¬¸¥¸¸í ˆ½Å ‚›¸º¬¸¸£ ˆ¿Åœ¸›¸ú ›¸½ ƒÄ‡¬¸‚¸ƒÄ¬¸ú
‚™¸¥¸÷¸ Ÿ¸Ê „Æ÷¸ £¸¢©¸ ˆÅú ¨¸¸œ¸¬¸ú ˆ½Å ¢¥¸‡ ‚œ¸ú¥¸ ™¸¡¸£ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ˆÅ¸›¸»›¸ú ¬¸¥¸¸í ¥¸ú íÿ. „Æ÷¸ £¸¢©¸ ˆÅ¸½ ¢’œœ¸µ¸ú 12(”ú) ˆ½Å ‚¿÷¸Š¸Ä÷¸ `‚›¡¸ Š¸¾£
¸¸¥¸» ‚¸¦¬÷¸' ˆ½Å ‚¿÷¸Š¸Ä÷¸ ™©¸¸Ä¡¸¸ Š¸¡¸¸ íÿ.

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Corporate Overview Statutory Reports Financial Statements

g_o{H$V {dÎmr` {ddaUmo§ H$r AZwgy{M`m§

Schedules to the Consolidated Financial Statements

iii. The Recovery Department of ESIC, Regional Office Telangana had issued an order to the Branch Manager, M/s IDBI Bank,
Gachibowli Branch, Telangana, to make payment of ` 0.13 crore on account of ESI Contribution/ Interest/ Damages for
the period from October 2010 to June 2011 with respect to ESIC registration obtained by the company for the OBST
vertical and subsequently recover the said amount directly from the company's account through IDBI Bank, Telangana
Branch. The company believe that the said amount has been wrongly recovered by ESIC, as the actual amount for the
said period were already remitted within due date. The company, as per the advice of the consultant, has taken legal
advice for filing an appeal for the refund of the said amount to the ESIC court. The said amount has been reflected under
Note 12(d) under 'other non current asset'.

iv. ‚¸¡¸ œ¸£ ˆÅ£¸Ê ˆ½Å ¢¥¸‡ ™¸¨¸½ À

Claims for taxes on income:

¸í¸Â ˆ¿Åœ¸›¸ú ‚œ¸ú¥¸ ˆÅú œÏ¢ÇÅ¡¸¸ Ÿ¸Ê í¾ À

Where the Company is in appeal:

ˆÅ) ¬¸½¨¸¸ ˆÅ£ œÏ¸¢š¸ˆÅ£µ¸ ›¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2012-13 ¬¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2017-18 ˆÅú ‚¨¸¢š¸ ˆ½Å ¬¸¿¤¸¿š¸ ¬¸½¨¸¸ ˆÅ£ ¥¸½‰¸¸ œ¸£ú®¸¸ ˆ½Å ™¸¾£¸›¸, ˆ¿Åœ¸›¸ú ׸£¸
œÏ¸œ÷¸ ¢ˆÅ‡ Š¸‡ ˆºÅŽ ¬¸úƒÄ‡›¸¨¸ú‡’ú ǽŢ”’ ˆÅ¸½ ‚¬¨¸úˆÅ¸£ ˆÅ£÷¸½ íº‡ ¤¡¸¸¸ ÷¸˜¸¸ ™¿” ¬¸¢í÷¸ `0.84 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä `0.84 ˆÅ£¸½”õ) ˆÅú Ÿ¸¸¿Š¸
ˆÅú í¾. ˆÊÅÍú¡¸ ˆÅ£ ‚¸¡¸ºÆ÷¸ (‚œ¸ú¥¸) ›¸½ ƒ¬¸ Ÿ¸¸¿Š¸ ˆÅ¸½ ‹¸’¸ˆÅ£ `0.78 ˆÅ£¸½”õ ˆÅ£ ¢™¡¸¸ ˜¸¸. ˆ¿Åœ¸›¸ú ›¸½ „Æ÷¸ ‚¸™½©¸¸Ê ˆ½Å ¢‰¸¥¸¸ûÅ ¬¸úƒÄ‡¬¸’ú‡’ú
ˆÅ¸½ ‚œ¸ú¥¸ ˆÅú í¾ ¸í¸¿ ¥¸Š¸¸‡ Š¸‡ ¸ºŸ¸¸Ä›¸½ ˆÅú £¸¢©¸ ˆÅ¸½ ‚¥¸Š¸ ˆÅ£ˆ½Å ‚œ¸ú¥¸ ˆÅ¸½ ‚¸¿¢©¸ˆÅ ² œ¸ ¬¸½ ¬¨¸úˆÅ¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸. í¸¥¸¸¿¢ˆÅ, ˆ¿Åœ¸›¸ú ›¸½ ˆÅ£
¢¨¸©¸½«¸±¸ ׸£¸ ™ú Š¸ƒÄ ¬¸¥¸¸í œ¸£ ‚¢š¸ˆÅ £¸í÷¸ œ¸¸›¸½ ˆ½Å ¢¥¸‡ Ÿ¸¸›¸›¸ú¡¸ „¸ ›¡¸¸¡¸¸¥¸¡¸ ˆ½Å ¬¸Ÿ¸®¸ ‚œ¸ú¥¸ ˆÅ£›¸½ ˆÅ¸ û¾Å¬¸¥¸¸ ¢ˆÅ¡¸¸ í¾ ‚¸¾£ ‚›¸ºˆ»Å¥¸
œ¸¢£µ¸¸Ÿ¸ ˆÅú „ŸŸ¸ú™ í¾. ‚÷¸À ‡½¬¸ú Ÿ¸¸¿Š¸ ˆ½Å ¢¥¸‡ ¢ˆÅ¬¸ú œÏˆÅ¸£ ˆÅ¸ œÏ¸¨¸š¸¸›¸ ˆÅ£›¸¸ ‚¸¨¸©¡¸ˆÅ ›¸íú¿ ¬¸Ÿ¸¸¸ Š¸¡¸¸ í¾. ÷¸˜¸¸¢œ¸ ˆ¿Åœ¸›¸ú ›¸½ `0.51 ˆÅ£¸½”õ
¬¸¢¨¸£¸½š¸ ž¸ºŠ¸÷¸¸›¸ ˆÅ£ ¢™¡¸½ íÿ ¢¸¬¸½ ‚›¡¸ Š¸¾£-¸¸¥¸» ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ™©¸¸Ä¡¸¸ Š¸¡¸¸ í¾.
a) Service tax authority put a demand of ` 0.84 Crore (previous year `0.84 Crore) including interest and penalty
by disallowing certain CENVAT credit availed by the Company during the Service tax audit in respect of period
from FY 2012-13 to FY 2017-18. This demand was reduced to `0.78 Crore by the Commissioner of Central Tax
(Appeal). The company has appealed to CESTAT against the Orders where the appeal had been partially allowed
by setting aside the penalty amount imposed. However, the Company has decided to appeal before the Hon.
High Court for further relief, based on the advise given by the tax expert and expected favorable outcome. Hence,
no provision against such demand is considered necessary. However the company had paid ` 0.51 Crore under
protest, which is reflected under other non-current assets.

‰¸) ƒ¿’½ˆÅ ›¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2010-11 ¬¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2015-16 ˆÅú ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ¨¸¾’ Ÿ¸¸ûÅú ¡¸¸½¸›¸¸, 2023 ˆ½Å ÷¸í÷¸ „Æ÷¸ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ‚œ¸ú¥¸
¨¸¸œ¸¬¸ ¥¸½›¸½ ˆ½Å ¤¸¸™ `0.04 ˆÅ£¸½”õ ˆÅú ¤¸ˆÅ¸¡¸¸ £¸¢©¸ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ íÿ. ‚œ¸ú¥¸ ©¸º¥ˆÅ ˆ½Å ¬¸Ÿ¸¸¡¸¸½¸›¸ ˆ½Å ¤¸¸™, ¢¤¸ÇÅú ˆÅ£ œÏ¸¢š¸ˆÅ£µ¸ ׸£¸ ˆÅú Š¸ƒÄ
¨¸¾’ ˆÅú Ÿ¸¸¿Š¸ ©¸»›¡¸ (¢œ¸Ž¥¸ú ƒ¬¸ú ‚¨¸¢š¸ Ÿ¸½¿ `0.25 ˆÅ£¸½”õ) íÿ.
b) Intech has paid dues under VAT amnesty scheme, 2023 for the period from FY 2010-11 to FY 2015-16 amounting
to ` 0.04 Crore after withdrawing the appeals for the said period. After adjustment of the appeal fees, demand of
VAT made by Sales tax authority amounts to Nil (previous corresponding period ` 0.25 Crore )

* Ÿ¸¸°¸¸÷Ÿ¸ˆÅ œÏˆÅ’›¸ ˆ½Å ¢¥¸‡ ‚›¸º¬¸»¸ú 12 ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‡¿ ™½‰¸Ê.

*Refer Schedule 12 Contingent Liabilities for quantitative disclosure.

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14. ‚›¡¸ œÏˆÅ’›¸ / OTHER DISCLOSURES

I. ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¢š¸Ÿ¸¸›¡¸ ‚¸š¸¸£ œ¸£ ˆÅ¸½ƒÄ ƒ¦Æ¨¸’ú ©¸½¡¸£ ‚¸¤¸¿¢’÷¸ ›¸íú¿ ¢ˆÅ¡¸¸ Š¸¡¸¸ (¢œ¸Ž¥¸½ ¨¸«¸Ä ©¸»›¡¸).
During the year no Equity Shares were allotted on preferential basis (Previous year NIL)

II. ž¸¸£ŠÏ¬÷¸ ‚¸¦¬÷¸ ¦¬˜¸£úˆÅ£µ¸ ¢›¸¢š¸ (‡¬¸‡‡¬¸‡ûöÅ) / Stressed Assets Stabilization Fund (SASF)
¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 Ÿ¸Ê ž¸¸£÷¸ ¬¸£ˆÅ¸£(¸ú‚¸½‚¸ƒÄ) ›¸½ Š¸¾£ ¤¡¸¸¸ ¨¸¸¥¸ú ž¸¸£÷¸ ¬¸£ˆÅ¸£ ˆÅú ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¢¨¸©¸½«¸ œÏ¢÷¸ž¸»¢÷¸ 2024 ˆ½Å ¬¸Ÿ¸¡¸œ¸»¨¸Ä Ÿ¸¸½¸›¸ ˆ½Å ¢¥¸‡
`206 ˆÅ£¸½”õ Ÿ¸¸½¢¸÷¸ ¢ˆÅ¡¸½. ÷¸™›¸º¬¸¸£, 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ‡¬¸‡‡¬¸‡ûöÅ ©¸½«¸ `672.73 ˆÅ£¸½”õ íÿ ‚¸¾£ œ¸»£¸ œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ íÿ. 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸
¢œ¸Ž¥¸½ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸, ¤¸ÿˆÅ ›¸½ `1500 ˆÅ£¸½”õ ‡¬¸‡‡¬¸‡ûöÅ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅ¸½ ¤¸’Ã’½ ‰¸¸÷¸½ Ÿ¸Ê ”¸¥¸ ¢™¡¸¸ ˜¸¸.
The Government of India (GOI) redeemed Rs.206 crore for pre-mature redemption of non-interest-bearing Govt. of India IDBI
Special Securities 2024 in Financial Year 2023-24. Accordingly, SASF balance as on March 31, 2024 stand at `672.73 crore and
stands fully provided. During Previous year ended March 31, 2023, Bank had written off SASF securities to the extent of `1500
crore.

III. ˆÅ¸Á£œ¸¸½£½’ ¬¸¸Ÿ¸¸¢¸ˆÅ ™¸¢¡¸÷¨¸ (¬¸ú‡¬¸‚¸£) ¨¡¸¡¸ / Corporate Social Responsibility (CSR) expenditure

ˆÅ. ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¨¡¸¡¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ¬¸ˆÅ¥¸ £¸¢©¸À `75 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä À `2 ˆÅ£¸½”õ)
a. Gross amount required to be spent during the year: ` 75 Crore (Previous Year: `2 Crore)

‰ö¸. ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¨¡¸¡¸ ˆÅú Š¸ƒÄ £¸¢©¸À

b. Amount spent during the year:

(` ˆÅ£¸½”õ Ÿ¸Ê) / (` in Crore)

¢¨¸¨¸£µ¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2022-23

Particulars FY 2023-24 FY 2022-23

›¸ˆÅ™ / In cash 41 3

›¸ˆÅ™ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ ¸¸›¸¸ ©¸½«¸ í¾ / Yet to be paid in cash 34 0.16

ˆºÅ¥¸ / Total 75 3

IV. ¬¸»®Ÿ¸, ¥¸‹¸º ‚¸¾£ Ÿ¸š¡¸Ÿ¸ „Ô¸Ÿ¸ ¢¨¸ˆÅ¸¬¸ ‚¢š¸¢›¸¡¸Ÿ¸, 2006 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚›¸º¬¸£µ¸ Ÿ¸Ê ¬¸»®Ÿ¸, ¥¸‹¸º ‚¸¾£ Ÿ¸š¡¸Ÿ¸ „Ô¸Ÿ¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ˆºÅŽ œÏˆÅ’úˆÅ£µ¸ ˆÅ£›¸¸ ‚¸¨¸©¡¸ˆÅ
í¾. ¤¸ÿˆÅ „Æ÷¸ ‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å ‚š¸ú›¸ ˆÅ¨¸£ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ¬¸Ÿ¤¸Ö ¸¸›¸ˆÅ¸¢£¡¸¸Ê ˆÅ¸½ ‚¸œ¸»¢÷¸ÄˆÅ÷¸¸Ä‚¸Ê ¬¸½ ¥¸½ˆÅ£ ¬¸Ÿ¸½¢ˆÅ÷¸ ˆÅ£›¸½ ˆÅú œÏ¢ÇÅ¡¸¸ Ÿ¸Ê í¾. œÏ¤¸¿š¸›¸ ˆÅú ´¦«’ Ÿ¸Ê,
¤¡¸¸¸ ˆÅ¸ œÏž¸¸¨¸, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ¸¸½ ƒ¬¸ ‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å œÏ¸¨¸š¸¸›¸ ˆ½Å ‚›¸º¬¸¸£ ™½¡¸ í¸½ ¬¸ˆÅ÷¸¸ í¾, Ÿ¸í÷¨¸œ¸»µ¸Ä í¸½›¸½ ˆÅú „ŸŸ¸ú™ ›¸íú¿ í¾.
Pursuant to the provisions of Micro, Small and Medium Enterprises Development Act, 2006, certain disclosures are required
to be made relating to micro, small & medium enterprise. The Bank is in the process of compiling relevant information from its
suppliers about their coverage under the said Act. In view of the management, the impact of interest, if any, that may be payable
in accordance with the provisions of this Act is not expected to be material.

ˆÅ) 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ˆÅ¸½¢¨¸”-19 ¬¸½ ¬¸¿¤¸¦›š¸÷¸ ˆºÅ¥¸ œÏ¸¨¸š¸¸›¸ ` 116 ˆÅ£¸½”õ (ˆÅ¸½¢¨¸”-19 Ÿ¸¸›¸ˆÅ¸Ê ˆ½Å ‚š¸ú›¸ œ¸º›¸¬¸ô£¸›¸¸ ˆ½Å ¢¥¸‡ š¸¸¢£÷¸ œÏ¸¨¸š¸¸›¸
ˆÅ¸½ Ž¸½”õˆÅ£) ˜¸¸.
a) As at March 31, 2024, the Bank held aggregate COVID-19 related provision of ` 116 crore (other than provisions held for
restructuring under COVID-19 norms).

‰¸) ¬¸Ÿ¸¸š¸¸›¸ ¬¸¿£¸›¸¸ 1.0 ‚¸¾£ ¬¸Ÿ¸¸š¸¸›¸ ¬¸¿£¸›¸¸ 2.0 ˆ½Å ¤¸¸£½ Ÿ¸Ê ‚¸£¤¸ú‚¸ƒÄ ˆ½Å œ¸¢£œ¸°¸ ˆ½Å ‚›¸º¬¸¸£ ¤¸ÿˆÅ ›¸½ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ˆºÅ¥¸ ` 240 ˆÅ£¸½”õ ˆ½Å
¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ œÏ¸¨¸š¸¸›¸ ˆÅ¸½ ¸¸£ú £‰¸¸ í¾. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¤¸ÿˆÅ ›¸½ ˆÅ¸½¢¨¸” ‚¸£‡ûöÅ 1, ‚¸£‡ûöÅ 2 ‚¸¾£ ‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ‚¸£ ‚¸½’ú‚¸£
¬¸¿£¸›¸¸ ˆ½Å ÷¸í÷¸ œ¸º›¸¬¸ô£¢¸÷¸ ‰¸º™£¸ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆ½Å ¢¥¸‡ ` 1843 ˆÅ£¸½”õ ˆÅ¸ ‚¸ˆÅ¦¬Ÿ¸ˆÅ œÏ¸¨¸š¸¸›¸ £‰¸¸ í¾.

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b) In terms of RBI’s circular on Resolution Framework 1.0 and Resolution Framework 2.0, Bank continues to hold
regulatory provision aggregating to ` 240 crore as on March 31, 2024. In addition, as on March 31, 2024, Bank
held contingency provision of `1843 crore for retail borrowers restructured under COVID RF 1, RF 2 and MSMER
OTR framework.

VI. ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ 31 Ÿ¸ƒÄ 2023 ¬¸½ `400 ˆÅ£¸½”õ ˆÅú ¢›¸¨¸¥¸ ‚¸½¨¸£›¸¸ƒ’ ‰¸º¥¸ú ¦¬˜¸¢÷¸ (‡›¸‚¸½‚¸½œ¸ú) ˆ½Å ¢¥¸‡ ¤¸¸½”Ä ×¸£¸ ‚›¸ºŸ¸¸½¢™÷¸ ¬¸úŸ¸¸ í¾. ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ (2023-
24) ‰¸º¥¸ú ¦¬˜¸¢÷¸ ¬¨¸úˆ¼Å÷¸ ¬¸úŸ¸¸ ˆ½Å ž¸ú÷¸£ ˜¸ú ‚¸¾£ ‚¸¾¬¸÷¸ „œ¸¡¸¸½Š¸ `153.96 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä 2022-23 Ÿ¸½¿ `127 ˆÅ£¸½”õ) ˜¸¸. ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¢š¸ˆÅ÷¸Ÿ¸
„œ¸¡¸¸½Š¸ 12 ¸›¸¨¸£ú 2024 ˆÅ¸½ `255.34 ˆÅ£¸½”õ ˜¸¸. (¢œ¸Ž¥¸½ ¨¸«¸Ä 30 ¢¬¸÷¸¿¤¸£ 2022 ˆÅ¸½ `223 ˆÅ£¸½”õ).
The Bank has Board approved limit for Net Overnight Open Position (NOOP) fixed at Rs.400 crore w.e.f. May 31, 2023. During
the year (2023-24) the open position was within the approved limit and the average utilization was `153.96 crore (Prev. Year
2022-23, Rs.127 crore). The maximum utilization during the year was at Rs.255.34 crore on 12.01.2024. (Prev. Year `223 crore
on Sept 30, 2022).

VII. ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ›¸½©¸›¸¥¸ ¢¬¸Æ¡¸¸½¢£’ú¸ ¢”œ¸¸Á¢{¸’£ú ¢¥¸¢Ÿ¸’½” (‡›¸‡¬¸”ú‡¥¸) ˆÅú ¸ºˆÅ÷¸¸ ƒ¦Æ¨¸’ú ©¸½¡¸£ œ¸»¿¸ú ˆÅ¸ 26.10% ¢í¬¬¸¸ í¾. ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸ ‡¨¸¿ ¢¨¸¢›¸¡¸Ÿ¸
¤¸¸½”Ä ›¸½ 06 ‚Æ÷¸»¤¸£ 2023 ˆ½Å œ¸°¸ ˆ½Å ׸£¸ ‡›¸‡¬¸”ú‡¥¸ Ÿ¸Ê 14.99% ¬¸½ ‚¢š¸ˆÅ ¤¸ÿˆÅ ˆÅú ©¸½¡¸£š¸¸¢£÷¸¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê Ÿ¸÷¸™¸›¸ ˆ½Å ‚¢š¸ˆÅ¸£ ‚¸¾£ ¬¸ž¸ú ˆÅ¸Áœ¸¸½Ä£½’
ˆÅ¸£Ä¨¸¸ƒ¡¸¸Ê ˆÅ¸½ ‚¢÷¸¢£Æ÷¸ ©¸½¡¸£š¸¸¢£÷¸¸ ˆ½Å ¨¸¸¬÷¸¢¨¸ˆÅ ¢¨¸¢›¸¨¸½©¸ ÷¸ˆÅ œÏ¢÷¸¤¸¿¢š¸÷¸ ˆÅ£ ¢™¡¸¸. í¸¥¸¸¿¢ˆÅ œÏ¸º£ œÏˆÅ’úˆÅ£µ¸ ˆ½Å ¢í÷¸ Ÿ¸Ê ‚¸¾£ ˆÅ¸›¸»›¸ú ¢¨¸©¸½«¸±¸ ˆÅú £¸¡¸
ˆ½Å ‚¸š¸¸£ œ¸£, ¤¸ÿˆÅ ׸£¸ ¢¨¸¢ž¸››¸ ¨¸¾š¸¸¢›¸ˆÅ ûŸƒ¢¥¸¿Š¸ ˆ½Å ÷¸í÷¸ ‡›¸‡¬¸”ú‡¥¸ ˆÅ¸½ ‡ˆÅ `¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸›¸ú' ˆ½Å ³Åœ¸ Ÿ¸Ê Ÿ¸¸›¡¸÷¸¸ ™½›¸¸ ¸¸£ú £‰¸›¸½ ˆÅ¸ ¢›¸µ¸Ä¡¸ ¢¥¸¡¸¸ í¾
‚¸¾£ ›¸¨¸ú›¸÷¸Ÿ¸ „œ¸¥¸¤š¸ ¬¸ú¢Ÿ¸÷¸ ¬¸Ÿ¸ú®¸¸ ¢ˆÅ‡ Š¸‡ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ 31 ¢™¬¸¿¤¸£ 2023 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ›¸¸¾ Ÿ¸íú›¸½ ˆÅú ‚¨¸¢š¸ ÷¸ˆÅ ‡›¸‡¬¸”ú‡¥¸ ˆ½Å ¢¨¸î¸ú¡¸ œ¸¢£µ¸¸Ÿ¸¸Ê ˆÅ¸½
¬¸Ÿ¸½¢ˆÅ÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ íÿ.
The Bank holds 26.10% of the paid-up equity share capital of National Securities Depository Ltd (NSDL). The Securities
Exchange Board of India, vide letter dated October 06, 2023 restricted the voting rights and all corporate actions in respect
of bank’s shareholding in NSDL in excess of 14.99%, until the actual divestment of the excess shareholding. However, in the
interest of abundant disclosure and based on a legal expert’s opinion, the Bank has decided to continue to recognize NSDL as
an 'associate company' under the various statutory filings by the Bank and has consolidated financial results of NSDL based
on the latest available limited reviewed financial statements, i.e. as at and up to the period of nine months ended December 31,
2023.

VIII. 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸, ‚¸œ¸¬¸ú ¬¸Ÿ¸¸ ¬¸½, ¢¥¸¢‰¸÷¸ ¡¸¸ ‚›¡¸ œÏˆÅ¸£ ¬¸½, ¤¸ÿˆÅ ‚¸¾£ ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸½¿ ׸£¸, ¢ˆÅ¬¸ú ‚›¡¸ ¨¡¸¢Æ÷¸ ¡¸¸ ¬¸¿¬˜¸¸, ¢¨¸™½©¸ú
¬¸¿¬˜¸¸ ¬¸¢í÷¸ (`Ÿ¸š¡¸¨¸÷¸úÄ') ¬¸½/ˆÅ¸½ ˆÅ¸½ƒÄ ž¸ú £¸¢©¸ ‚¢ŠÏŸ¸ ¡¸¸ †µ¸ ¡¸¸ ¢›¸¨¸½©¸ („š¸¸£ ¥¸ú Š¸ƒÄ ¢›¸¢š¸ ¡¸¸ ©¸½¡¸£ œÏú¢Ÿ¸¡¸Ÿ¸ ¡¸¸ ¢ˆÅ¬¸ú ‚›¡¸ 踸½÷¸ ¡¸¸ œÏˆÅ¸£ ¬¸½ ¸º’¸ƒÄ Š¸ƒÄ
£¸¢©¸ ¬¸½) ˆ½Å ³Åœ¸ ˆÅ¸½ƒÄ ¢›¸¢š¸ œÏ™¸›¸ ›¸íú¿ ˆÅú Š¸ƒÄ í¾ ‚¸¾£ ¡¸í ¢ˆÅ Ÿ¸š¡¸¨¸÷¸úÄ ¤¸ÿˆÅ ׸£¸ ¡¸¸ ˆÅú ‚¸½£ ¬¸½ ¢›¸š¸¸Ä¢£÷¸ œ¸®¸ˆÅ¸£ ˆÅ¸½ „š¸¸£ ™½ œ¸¸‡¿Š¸½ ¡¸¸ „›¸Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅ£½Š¸ú
(‚¿¢÷¸Ÿ¸ ¥¸¸ž¸¸˜¸úÄ). ƒ¬¸ˆ½Å ‚¢÷¸¢£Æ÷¸ ¤¸ÿˆÅ ‚¸¾£ ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸Ê ˆÅ¸½ ¢ˆÅ¬¸ú ž¸ú œ¸®¸ˆÅ¸£ (¢›¸š¸ú¡¸›¸ œ¸®¸ˆÅ¸£) ¬¸½ ˆÅ¸½ƒÄ ž¸ú ¢›¸¢š¸ ƒ¬¸ ¬¸Ÿ¸¸ ˆ½Å ¬¸¸˜¸ œÏ¸œ÷¸ ›¸íú¿ íºƒÄ í¾
¢ˆÅ ¤¸ÿˆÅ ‚¸¾£ ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‡¿ œÏ÷¡¸®¸ ¡¸¸ ‚œÏ÷¡¸®¸ ³Åœ¸ ¬¸½ ¤¸ÿˆÅ ‚¸¾£ ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸½¿ ׸£¸ ¡¸¸ ƒ›¸ˆÅú ‚¸½£ ¬¸½ ‚¢ž¸¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ¬¸ú ¨¡¸¢Æ÷¸ ¡¸¸ ¬¸¿¬˜¸¸ (`‚¿¢÷¸Ÿ¸
¥¸¸ž¸¸˜¸úÄ') ˆÅ¸½ „š¸¸£ ¡¸¸ „¬¸Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅ£½Š¸¸ ¡¸¸ ‚¿¢÷¸Ÿ¸ ¥¸¸ž¸¸˜¸úÄ ˆÅú ‚¸½£ ¬¸½ Š¸¸£¿’ú, œÏ¢÷¸ž¸»¢÷¸ ¡¸¸ ƒ¬¸ú œÏˆÅ¸£ ˆºÅŽ ‚¸¾£ œÏ™¸›¸ ˆÅ£ÊŠ¸½.
During the year ended March 31, 2024, no funds have been advanced or loaned or invested (either from borrowed
funds or share premium or any other sources or kind of funds) by the Bank and Subsidiaries to or in any other persons
or entities, including foreign entities (“Intermediaries”) with the understanding, whether recorded in writing or otherwise,
that the Intermediary shall lend or invest in party identified by or on behalf of the Bank (Ultimate Beneficiaries). Further, The
Bank and Subsidiaries has not received any fund from any parties (Funding Party) with the understanding that the Bank
and Subsidiaries shall whether, directly or indirectly lend or invest in other persons or entities identified by or on behalf of
the Bank and Subsidiaries (“Ultimate Beneficiaries”) or provide any guarantee, security or the like on behalf of the Ultimate
Beneficiaries.

ix) 29 ¸º¥¸¸ƒÄ 2023 ¬¸½ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‡¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ¢¥¸¢Ÿ¸’½” (‚¸ƒÄ‡‡Ÿ¸‡¥¸) ˆ½Å ‡¬¸½’ ‚¿”£ Ÿ¸¾›¸½¸Ÿ¸Ê’ (‡¡¸»‡Ÿ¸) ˆÅ¸½ `88.81 ˆÅ£¸½”õ ˆ½Å ¢¤¸ÇÅú œÏ¢÷¸ûÅ¥¸ œ¸£
‡¥¸‚¸ƒÄ¬¸ú Ÿ¡¸»¸º‚¥¸ ûö¿Å” ‡¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ¢¥¸¢Ÿ¸’½” ˆÅ¸½ í¬÷¸¸¿÷¸¢£÷¸ ˆÅ£ ¢™¡¸¸ Š¸¡¸¸ í¾. ¬¸½¤¸ú ›¸½ 12 Ÿ¸¸¸Ä 2024 ˆ½Å ‚œ¸›¸½ œ¸°¸ ˆ½Å ׸£¸ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ Ÿ¡¸»¸º‚¥¸ ûö¿Å”
ˆ½Å ¥¸¸ƒ¬¸Ê¬¸ ˆÅ¸½ ¬¸£Ê”£ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ 30 ¢¬¸÷¸¿¤¸£ 2024 ÷¸ˆÅ ¬¸Ÿ¸¡¸ ¤¸õ¸›¸½ ˆÅú Ÿ¸¿¸»£ú ™½ ™ú í¾.
Asset Under Management (AUM) of IDBI Asset Management Ltd (IAML) has been transferred to LIC Mutual Fund Asset
Management Ltd with effect from July 29, 2023 for a Sale Consideration of ` 88.81 crore. SEBI vide its letter dated March 12,
2024 has approved extension of time upto September 30, 2024 for surrender of license of IDBI Mutual Fund.

dm{f©H$ [anmoQ>© Annual Report 2023-24 555

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x) ¢œ¸Ž¥¸½ ¨¸«¸Ä ˆ½Å ‚¸¿ˆÅ”õ¸Ê ˆÅ¸½ œ¸º›¸¬¸Ä¬¸Ÿ¸º¢í÷¸ / œ¸º›¸¨¡¸Ä¨¸¦¬˜¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ÷¸¸¢ˆÅ ƒ›¸ˆÅú ¬¸¿œ¸º¦«’ ¸¸¥¸» ¨¸«¸Ä ˆ½Å ¢¥¸‡ ˆÅú Š¸ƒÄ œÏ¬÷¸º¢÷¸ ˆ½Å ¬¸¸˜¸ ˆÅú ¸¸ ¬¸ˆ½Å ‚¸¾£ ¬¸¸˜¸ íú
ƒ¬¸½ 30 ‚Š¸¬÷¸ 2021 ˆÅ¸½ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ¸¸£ú `¢¨¸î¸ú¡¸ œ¸¢£µ¸¸Ÿ¸¸Ê ˆ½Å ¤¸¸£½ Ÿ¸Ê Ÿ¸¸¬’£ ¹›¸Ä™½©¸-œÏ¬÷¸º¢÷¸ ‚¸¾£ œÏˆÅ’›¸' (1 ‚œÏ¾¥¸ 2024 ˆÅ¸½ ‚Ô¸¢÷¸÷¸) ˆÅú
‚œ¸½®¸¸‚¸Ê ˆ½Å ‚›¸º¬¸£µ¸ Ÿ¸Ê ‚¸¨¸©¡¸ˆÅ÷¸¸›¸º¬¸¸£ ¬¸¿©¸¸½¢š¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.
Figures of the previous year are regrouped/ rearranged, so as to confirm with the presentation made for the current year and
also pursuant to the requirement of Master Direction on financial results - Presentation and disclosure issued by Reserve Bank
of India dated August 30, 2021 (updated as on April 01, 2024), as amended and wherever considered necessary.

`1' ¬¸½ `18' ¥¸½‰¸¸ ‚›¸º¬¸»¢¸¡¸¸Ê ˆ½Å ¢¥¸‡ í¬÷¸¸®¸£

Signatures to Schedules ‘1’ to ‘18’ of Accounts

¤¸¸½”Ä ˆ½Å ‚¸™½©¸ ¬¸½ / BY ORDER OF THE BOARD

(£¸ˆ½Å©¸ ©¸Ÿ¸¸Ä) (¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾) (¬¸Ÿ¸£½©¸ œ¸¢£™¸) (¦¬Ÿ¸÷¸¸ ˆºÅ¤¸½£) (¡¸¸½¢÷¸ ›¸¸¡¸£)
(Rakesh Sharma) (Jayakumar S. Pillai) (Samaresh Parida) (Smita Kuber) (Jyothi Nair)
œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ Ÿ¸º‰¡¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ‚¢š¸ˆÅ¸£ú „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ¢›¸™½©¸ˆÅ Ÿ¸º‰¡¸ ¢¨¸î¸ú¡¸ ‚¢š¸ˆÅ¸£ú ˆ¿Åœ¸›¸ú ¬¸¢¸¨¸
Managing Director & Chief Executive Officer Dy. Managing Director Director Chief Financial Officer Company Secretary
”ú‚¸ƒÄ‡›¸/DIN: 06846594 ”ú‚¸ƒÄ‡›¸/DIN: 10041362 ”ú‚¸ƒÄ‡›¸/DIN: 01853823
ퟸ¸£ú ¬¸Ÿ¸-¢™›¸¸¿¢ˆÅ÷¸ ¢£œ¸¸½’Ä ˆ½Å ‚›¸º¬¸¸£
As per our report of even date
ˆ¼Å÷¸½ ¨¸Ÿ¸¸Ä ‡¿” ¨¸Ÿ¸¸Ä ˆ¼Å÷¸½ ¸ú ”ú ‚¸œ’½ ‡¿” ˆ¿Åœ¸›¸ú
For Varma & Varma For G D Apte & Co
¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants
ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸/FRN - 004532S ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸/FRN-100515W

ˆ½Å œ¸ú ªú¢›¸¨¸¸¬¸ ¬¸¸¾£ž¸ œ¸½©¸¨¸½

K P Srinivas Saurabh Peshwe
¬¸¸¸½™¸£/Partner ¬¸¸¸½™¸£/Partner
¬¸. ¬¸¿. /M.No. 208520 ¬¸. ¬¸¿./M.No. 121546
¬˜¸¸›¸ À Ÿ¸º¿¤¸ƒÄ / Place: Mumbai
¢™›¸¸¿ˆÅ À 04 Ÿ¸ƒÄ 2024 / Date : May 04, 2024

556 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

g_o{H$V ZH$Xr n«dmh {ddaU 31 _mM© 2024 H$mo g_mßV df© Ho$ {bE
Consolidated Cash Flow Statement for the year ended March 31, 2024
(` `000 Ÿ¸½¿ / (` in '000s)
31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Year ended Year ended
31-03-2024 31-03-2023
‚. œ¸¢£¸¸¥¸›¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê ¬¸½ ›¸ˆÅ™ú œÏ¨¸¸í
A. Cash flow from Operating Activities
(1) ˆÅ£ ‚¸¾£ ‚¬¸¸š¸¸£µ¸ Ÿ¸™¸Ê ¬¸½ œ¸»¨¸Ä ¢›¸¨¸¥¸ ¥¸¸ž¸ / (í¸¢›¸)
Net Profit/ (Loss) before tax and extra-ordinary items 8367 45 53 5305 30 17
(2) Š¸¾£-›¸ˆÅ™ú Ÿ¸™¸Ê ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸¡¸¸½¸›¸
Adjustments for non cash items:
- ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¢¤¸ÇÅú ¬¸½ (¥¸¸ž¸)/í¸¢›¸ (¢›¸¨¸¥¸)
(Profit) / Loss on sale of Fixed Assets ( Net ) (83 25 24) 1 86 43
- Ÿ¸»¥¡¸Ý¸¬¸ ‚¸¾£ œ¸º›¸Ÿ¸»Ä¥¡¸›¸ í¸¢›¸
Depreciation and revaluation loss 543 30 89 499 20 77
- œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸ ¢›¸¨¸½©¸¸Ê œ¸£ œÏú¢Ÿ¸¡¸Ÿ¸ ˆÅ¸ œ¸¢£©¸¸½š¸›¸
Amortisation of premium on Held to Maturity investments 173 25 49 220 34 60
- †µ¸¸½¿/ ¢›¸¨¸½©¸¸½¿ ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸/ ¤¸’Ã’½ ‰¸¸÷¸½ ”¸¥¸›¸¸
Provisions/ Write off of Loans/ Investments 1295 73 93 22 71 87
- Ÿ¸¸›¸ˆÅ ‚¸¾£ œ¸º›¸¬¸ô£¢¸÷¸ ‚¸¦¬÷¸¡¸¸Ê ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸
Provisions for Standard and restructured assets (172 88 29) 1848 97 04
- ‚›¡¸ œÏ¸¨¸š¸¸›¸ / Other Provisions 283 50 15 1634 68 88
- ¢›¸¨¸½©¸¸Ê ˆ½Å œ¸º›¸Ÿ¸»Ä¥¡¸›¸ œ¸£ (¥¸¸ž¸)/í¸¢›¸
(Profit) / Loss on revaluation of Investments (2 64 20) (102 84 52)
- „š¸¸£ £¸¢©¸¡¸¸½¿ œ¸£ ¤¡¸¸¸ (œ¸¢£¸¸¥¸›¸ Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê ˆ½Å ‚¥¸¸¨¸¸)
Interest on borrowings (other than operational activities) 707 17 50 855 01 63
- ¨¡¸º÷œ¸››¸ ‚¸¾£ ¢¨¸¢›¸Ÿ¸¡¸ ¥¸½›¸™½›¸¸½¿ ˆ½Å „¢¸÷¸ Ÿ¸»¥¡¸ œ¸£ (¥¸¸ž¸)/ í¸¢›¸
(Gain)/ loss on fair value of derivatives and exchange transactions 30 45 57 (146 49 13)
11142 11 33 10138 77 73
(3) œ¸¢£¸¸¥¸›¸ ‚¸¦¬÷¸¡¸¸Ê Ÿ¸Ê (¨¸¼¢Ö)/ ˆÅŸ¸ú ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸¡¸¸½¸›¸
Adjustments for (increase)/ decrease in operating assets:
- ¢›¸¨¸½©¸ / Investments (15676 29 24) (18173 25 40)
- ‚¢ŠÏŸ¸ / Advances (27030 40 95) (24359 28 94)
- ‚›¡¸ ‚¸¦¬÷¸¡¸¸¿ / Other Assets 2506 67 16 2592 89 75
- ‚¸¡¸ˆÅ£ ‚¸¦¬÷¸ / Income Tax Asset (334 34 45) 1103 01 53
(4) œ¸¢£¸¸¥¸›¸ ™½¡¸÷¸¸‚¸Ê Ÿ¸Ê ¨¸¼¢Ö / (ˆÅŸ¸ú) ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸¡¸¸½¸›¸
Adjustments for increase/ (decrease) in operating liabilities:
- „š¸¸££¸¢©¸¡¸¸¿ / Borrowings 4444 94 58 901 96 51
- ¸Ÿ¸¸£¸¢©¸¡¸¸¿ / Deposits 22052 24 98 22463 67 48
- ‚›¡¸ ™½¡¸÷¸¸‡¿ ‡¨¸¿ œÏ¸¨¸š¸¸›¸ / Other liabilities and provisions 1669 16 60 2630 81 45
œ¸¢£¸¸¥¸›¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê (Ÿ¸Ê œÏ¡¸ºÆ÷¸) / ¬¸½ „÷œ¸››¸ ¢›¸¨¸¥¸ ›¸ˆÅ™ú
Net Cash (used in)/ generated from Operating activities (1225 89 99) (2701 39 86)
‚¸. ¢›¸¨¸½©¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê ¬¸½ ›¸ˆÅ™ú œÏ¨¸¸í
B. Cash Flow from Investing activities
- ¬˜¸¸¡¸ú ‚¸¦¬÷¸¡¸¸Ê ˆÅú ‰¸£ú™ (¢¤¸ÇÅú ‹¸’¸ˆÅ£)
Purchase (net of sale) of fixed assets (221 94 96) (294 45 14)
¢›¸¨¸½©¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê (Ÿ¸Ê œÏ¡¸ºÆ÷¸)/ ¬¸½ ¸º’¸ƒÄ Š¸ƒÄ ¢›¸¨¸¥¸ ›¸ˆÅ™ú
Net cash (used in) / raised from Investing activities (221 94 96) (294 45 14)
ƒ. ¢¨¸î¸œ¸¸½«¸µ¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê ¬¸½ ›¸ˆÅ™ú œÏ¨¸¸í
C. Cash Flow from Financing activities
- ¥¸¸ž¸¸¿©¸ / Dividend (1075 24 02) -
- „š¸¸£ £¸¢©¸¡¸¸Ê œ¸£ ¸ºˆÅ¸¡¸¸ Š¸¡¸¸ ¤¡¸¸¸/ Interest paid on borrowings (707 28 26) (948 30 93)
- ¤¸¸Áµ”¸½¿ ˆÅ¸ Ÿ¸¸½¸›¸/ Redemption of Bonds - (2609 20 10)
- ‚¥œ¸¬¸¿‰¡¸ˆÅ¸Ê ˆÅ¸½ ¥¸¸ž¸¸¿©¸ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ (11 61 46) (11 58 46)
Dividend and dividend tax paid to minority

dm{f©H$ [anmoQ>© Annual Report 2023-24 557

g_o{H$V ZH$Xr n«dmh {ddaU 31 _mM© 2024 H$mo g_mßV df© Ho$ {bE
Consolidated Cash Flow Statement for the year ended March 31, 2024
(` `000 Ÿ¸½¿ / (` in '000s)
31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä
Year ended Year ended
31-03-2024 31-03-2023
¢¨¸î¸œ¸¸½«¸µ¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê (Ÿ¸Ê œÏ¡¸ºÆ÷¸)/ ¬¸½ ¸º’¸ƒÄ Š¸ƒÄ ¢›¸¨¸¥¸ ›¸ˆÅ™ú
Net cash (used in) / raised from Financing activities (1794 13 74) (3569 09 50)
’︿¬¸¥¸½¬¸›¸ ¢£{¸¨¸Ä œ¸£ ¢¨¸¢›¸Ÿ¸¡¸ ˆ½Å „÷¸¸£-¸õ¸¨¸ ˆÅ¸ œÏž¸¸¨¸
Effect of exchange fluctuation to translation reserve 4 53 17 11 40 41
›¸ˆÅ™ú ‚¸¾£ ›¸ˆÅ™ú ¬¸Ÿ¸÷¸º¥¡¸ Ÿ¸Ê ¢›¸¨¸¥¸ ¨¸¼¢Ö/(ˆÅŸ¸ú)
NET INCREASE/ (DECREASE) IN CASH & CASH EQUIVALENTS (3237 45 52) (6553 54 09)
œÏ¸£¿¢ž¸ˆÅ ›¸ˆÅ™ú ‚¸¾£ ›¸ˆÅ™ú ¬¸Ÿ¸÷¸º¥¡¸
OPENING CASH & CASH EQUIVALENTS 29246 93 14 35800 47 23
‚¿¢÷¸Ÿ¸ ›¸ˆÅ™ú ‚¸¾£ ›¸ˆÅ™ú ¬¸Ÿ¸÷¸º¥¡¸
CLOSING CASH & CASH EQUIVALENTS 26009 47 62 29246 93 14
›¸ˆÅ™ú œÏ¨¸¸í ¢¨¸¨¸£µ¸ œ¸£ ¢’œœ¸µ¸ú / Note to Cash Flow Statement:
1. ›¸ˆÅ™ú œÏ¨¸¸í ¢¨¸¨¸£µ¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ›¸ˆÅ™ú ‚¸¾£ ›¸ˆÅ™ú ¬¸Ÿ¸÷¸º¥¡¸ Ÿ¸Ê ÷¸º¥¸›¸ œ¸°¸ ˆÅú ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ Ÿ¸™Ê ©¸¸¢Ÿ¸¥¸
íÿÀ
Cash and Cash equivalents included in the cash flow statement comprise the
following Balance Sheet items:
›¸ˆÅ™ú ‚¸¾£ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ©¸½«¸
Cash & Balances with Reserve Bank of India 13990 99 92 16639 28 10
¤¸ÿˆÅ¸Ê ˆ½Å œ¸¸¬¸ ©¸½«¸ ‚¸¾£ Ÿ¸¸¿Š¸ ÷¸˜¸¸ ‚¥œ¸ ¬¸»¸›¸¸ œ¸£ œÏ¢÷¸ ™½¡¸ £¸¢©¸
Balances with banks & money at call and short notice 12018 47 70 12607 65 04
ˆºÅ¥¸ / Total 26009 47 62 29246 93 14

2. œ¸¢£¸¸¥¸›¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê ¬¸½ ›¸ˆÅ™ú œÏ¨¸¸í ˆÅú ¢£œ¸¸½’Ä ‚œÏ÷¡¸®¸ ¢¨¸¢š¸ ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£ ˆÅú ¸¸÷¸ú í¾.
Cashflow from operating Activities is reported by using indirect method.

Ÿ¸í÷¨¸œ¸»µ¸Ä ¥¸½‰¸¸ ›¸ú¢÷¸¡¸¸¿ ÷¸˜¸¸ ¥¸½‰¸¸ ¢’œœ¸¢µ¸¡¸¸¿ (‚›¸º¬¸»¸ú 17 ‚¸¾£ 18)

Significant Accounting Policies and Notes to Accounts (Schedule 17 & 18)
„œ¸¡¸ºÄÆ÷¸ ¬¸¿™¢ž¸Ä÷¸ ‚›¸º¬¸»¢¸¡¸¸Â ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ‚¢ž¸››¸ ž¸¸Š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê íÿ.
The Schedules referred to above form an integral part of the Financial Statements.

¤¸¸½”Ä ˆ½Å ‚¸™½©¸ ¬¸½/ BY ORDER OF THE BOARD

(£¸ˆ½Å©¸ ©¸Ÿ¸¸Ä) (¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾) (¬¸Ÿ¸£½©¸ œ¸¢£™¸) (¦¬Ÿ¸÷¸¸ ˆºÅ¤¸½£) (¡¸¸½¢÷¸ ›¸¸¡¸£)
(Rakesh Sharma) (Jayakumar S. Pillai) (Samaresh Parida) (Smita Kuber) (Jyothi Nair)
œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ Ÿ¸º‰¡¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ‚¢š¸ˆÅ¸£ú „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ¢›¸™½©¸ˆÅ Ÿ¸º‰¡¸ ¢¨¸î¸ú¡¸ ‚¢š¸ˆÅ¸£ú ˆ¿Åœ¸›¸ú ¬¸¢¸¨¸
Managing Director & Chief Executive Officer Dy. Managing Director Director Chief Financial Officer Company Secretary
”ú‚¸ƒÄ‡›¸/DIN: 06846594 ”ú‚¸ƒÄ‡›¸/DIN: 10041362 ”ú‚¸ƒÄ‡›¸/DIN: 01853823
ퟸ¸£ú ¬¸Ÿ¸-¢™›¸¸¿¢ˆÅ÷¸ ¢£œ¸¸½’Ä ˆ½Å ‚›¸º¬¸¸£
As per our report of even date
ˆ¼Å÷¸½ ¨¸Ÿ¸¸Ä ‡¿” ¨¸Ÿ¸¸Ä ˆ¼Å÷¸½ ¸ú ”ú ‚¸œ’½ ‡¿” ˆ¿Åœ¸›¸ú
For Varma & Varma For G D Apte & Co
¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£/Chartered Accountants
ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸/FRN - 004532S ûÅŸ¸Ä œ¸¿¸ú¡¸›¸ ¬¸¿‰¡¸¸/FRN-100515W

ˆ½Å œ¸ú ªú¢›¸¨¸¸¬¸ ¬¸¸¾£ž¸ œ¸½©¸¨¸½

K P Srinivas Saurabh Peshwe
¬¸¸¸½™¸£/Partner ¬¸¸¸½™¸£/Partner
¬¸. ¬¸¿. 208520/M.No. 208520 ¬¸. ¬¸¿. 121546/M.No. 121546
¬˜¸¸›¸ À Ÿ¸º¿¤¸ƒÄ / Place: Mumbai
¢™›¸¸¿ˆÅ À 04 Ÿ¸ƒÄ 2024 / Date : May 04, 2024

558 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

H§$nZr A{Y{Z`_, 2013 H$r Ymam 129 Ho$ AZwgaU _o§ {ddaU
Statement Pursuant to Section 129 of Companies Act, 2013

¬¸í¸¡¸ˆÅ/ ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê/ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸¸Ê ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú œÏŸ¸º‰¸ ¢¨¸©¸½«¸÷¸¸‚¸½¿ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¢¨¸¨¸£µ¸
STATEMENT CONTAINING SAILENT FEATURES OF THE FINANCIAL STATEMENT OF
SUBSIDIARIES/ASSOCIATE COMPANIES/JOINT VENTURES
ž¸¸Š¸ ``‚''À ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸¢›¸¡¸¸¿
Part “A”: Subsidiaries

(` '000 Ÿ¸½¿) / (` in '000s)

¢¨¸¨¸£µ¸ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ

Particulars ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄÅ’ ’﬒ú¢©¸œ¸ ¬¸¢¨¸Ä¬¸½¸ ‚¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ‡Ÿ¸‡ûÅ ’﬒ú ƒ¿’½ˆÅ ¢¥¸.
¬¸¢¨¸Ä¬¸½¸ ¢¥¸. ¢¥¸. ˆ¿Åœ¸›¸ú ¢¥¸. IDBI Intech
IDBI IDBI Asset IDBI MF Ltd.
IDBI Capital
Markets & Trusteeship Management Trustee
Securities Ltd. Services Ltd. Ltd. Company Ltd.

¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸ ˆÅú ¢£œ¸¸½¢’ôŠ¸ ‚¨¸¢š¸ ¡¸¢™ š¸¸£ˆÅ ¥¸¸Š¸» ›¸íú¿

ˆ¿Åœ¸›¸ú ˆÅú ¢£œ¸¸½¢’ôŠ¸ ‚¨¸¢š¸ ¬¸½ ¢ž¸››¸ í¸½ Not Applicable
Reporting period for the subsidiary
concerned, if different from the holding
company’s reporting period

¢¨¸™½©¸ú ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ¬¸¿¤¸¿¢š¸÷¸ ¥¸¸Š¸» ›¸íú¿

¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆÅú ‚¿¢÷¸Ÿ¸ ÷¸¸£ú‰¸ ˆÅ¸½ Ÿ¸ºÍ¸ ÷¸˜¸¸ Not Applicable
¢¨¸¢›¸Ÿ¸¡¸ ™£ ˆÅú ¢£œ¸¸½¢’ôŠ¸
Reporting currency and Exchange
rate as on the last date of the relevant
Financial year in the case of foreign
subsidiaries.

©¸½¡¸£ œ¸»¿¸ú 128 10 00 6 03 28 200 00 00 20 00 15 55 15

Share capital

‚¸£¢®¸÷¸ ¢›¸¢š¸¡¸¸¿ ‡¨¸¿ ‚¢š¸©¸½«¸ 209 34 62 331 40 01 15 21 79 1 43 98 101 99 60

Reserves & surplus

ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸¿ 424 73 50 343 98 77 215 50 63 1 65 41 131 58 95

Total assets

ˆºÅ¥¸ ™½¡¸÷¸¸‡¿ (œ¸»¿¸ú ‚¸¾£ ‚¸£¢®¸÷¸ ¢›¸¢š¸¡¸¸Ê ˆ½Å 87 28 89 6 55 48 28 83 1 43 14 04 20

‚¥¸¸¨¸¸)
Total Liabilities (excluding capital and
reserves)

¢›¸¨¸½©¸ 155 80 14 194 73 74 97 22 53 1 60 32 0

Investments

ˆºÅ¥¸ ˆÅ¸£¸½¤¸¸£ 113 42 20 99 12 08 114 39 21 14 26 156 30 28

Turnover

dm{f©H$ [anmoQ>© Annual Report 2023-24 559

H§$nZr A{Y{Z`_, 2013 H$r Ymam 129 Ho$ AZwgaU _o§ {ddaU
Statement Pursuant to Section 129 of Companies Act, 2013

(` '000 Ÿ¸½¿) / (` in '000s)

¢¨¸¨¸£µ¸ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ

Particulars ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄÅ’ ’﬒ú¢©¸œ¸ ¬¸¢¨¸Ä¬¸½¸ ‚¬¸½’ Ÿ¸¾›¸½¸Ÿ¸Ê’ ‡Ÿ¸‡ûÅ ’﬒ú ƒ¿’½ˆÅ ¢¥¸.
¬¸¢¨¸Ä¬¸½¸ ¢¥¸. ¢¥¸. ˆ¿Åœ¸›¸ú ¢¥¸. IDBI Intech
IDBI IDBI Asset IDBI MF Ltd.
IDBI Capital
Markets & Trusteeship Management Trustee
Securities Ltd. Services Ltd. Ltd. Company Ltd.

ˆÅ£¸š¸¸›¸ ¬¸½ œ¸í¥¸½ ¥¸¸ž¸ 8 89 42 74 25 22 102 29 52 ( 8 27) 13 22 82

Profit before taxation

ˆÅ£¸š¸¸›¸ ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ 1 53 93 16 88 29 21 56 74 ( 11) 2 74 14

Provision for taxation

ˆÅ£¸š¸¸›¸ ˆ½Å ¤¸¸™ ¥¸¸ž¸ 7 35 49 57 36 93 80 72 78 ( 8 16) 10 48 68

Profit after taxation

œÏ¬÷¸¸¢¨¸÷¸ ¥¸¸ž¸¸¿©¸ ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil ©¸»›¡¸ / Nil
(ˆÅ¸Á£œ¸¸½£½’ ¥¸¸ž¸¸¿©¸ ˆÅ£ ¬¸¢í÷¸)
Proposed Dividend (including
corporate dividend tax)

©¸½¡¸£š¸¸¢£÷¸¸ ˆÅ¸ % 100% 54.70% *66.67% 100% 100.00%

% of shareholding

* ©¸½«¸ 33.33% š¸¸¢£÷¸¸ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ˆ¾Å¢œ¸’¥¸ Ÿ¸¸ˆ½ÄÅ’ ‡¿” ¢¬¸Æ¡¸º¢£’ú{¸ ¢¥¸. ˆ½Å œ¸¸¬¸ í¾
* Balance holding of 33.33% is held by IDBI Capital Markets & Securities Ltd.

¢’œœ¸¢µ¸¡¸¸¿ / Notes:
1. ˆºÅ¥¸ ˆÅ¸£¸½¤¸¸£ ¬¸½ ÷¸¸÷œ¸¡¸Ä œÏ÷¡¸½ˆÅ ¬¸¿¬˜¸¸ ׸£¸ „›¸ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ¢£œ¸¸½’Ä ˆÅú Š¸ƒÄ ˆºÅ¥¸ ‚¸¡¸ ¬¸½ í¾.
Turnover is the total income reported by each of the entities in their financial statements.

2. ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸Ê ˆ½Å ›¸¸Ÿ¸ ¢¸›í¸Ê›¸½ ‚ž¸ú ÷¸ˆÅ œ¸¢£¸¸¥¸›¸ ©¸º³ ›¸íú¿ ¢ˆÅ¡¸¸ í¾À ˆÅ¸½ƒÄ ›¸íú¿
Names of subsidiaries which are yet to commence operations: None

3. ¬¸í¸¡¸ˆÅ ¬¸¿¬˜¸¸‚¸Ê ˆ½Å ›¸¸Ÿ¸ ¢¸›íÊ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¬¸Ÿ¸¸œ÷¸ ¡¸¸ ¤¸½¸¸ Š¸¡¸¸ í¸½À ˆÅ¸½ƒÄ ›¸íú¿
Names of subsidiaries which have been liquidated or sold during the year: None

560 Friendship That

Powers Progress
 H$m°anmoaoQ> {dh§JmdbmoH$Z gm§{d{YH$ [anmoQ>© {dÎmr¶ {ddaU
Corporate Overview Statutory Reports Financial Statements

H§$nZr A{Y{Z`_, 2013 H$r Ymam 129 Ho$ AZwgaU _o§ {ddaU
Statement Pursuant to Section 129 of Companies Act, 2013

ž¸¸Š¸ ``‚¸''À ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸¿ ÷¸˜¸¸ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸

Part “B”: Associates and Joint Ventures
(` '000 Ÿ¸½¿) / (` in '000s)

ÇÅŸ¸ ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê/ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸¸Ê ˆ½Å ›¸¸Ÿ¸ ¤¸¸¡¸¸½’½ˆÅ ˆ¿Å¬¸¸Á¢©¸Ä¡¸Ÿ¸ ›¸½©¸›¸¥¸ ¢¬¸Æ¡¸¸½¢£’ú¸ ›¸¸Á˜¸Ä ƒ¬’›¸Ä ”½¨¸¥¸œ¸Ÿ¸½¿’
¬¸¿. Name of Associates/Joint Ventures ƒ¿¢”¡¸¸ ¢¥¸¢Ÿ¸’½” ¢”œ¸¸Á¢¸’£ú ¢¥¸¢Ÿ¸’½” ûŸƒ›¸½¬¸ ˆÅ¸Á£œ¸¸½£½©¸›¸
Sr. Biotech Consortium National Securities ¢¥¸¢Ÿ¸’½”
No. India Limited Depository Limited North Eastern
Development
Finance
Corporation
Limited
1. ‚Ô¸÷¸›¸ ¥¸½‰¸¸œ¸£ú¢®¸÷¸ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ÷¸¸£ú‰¸ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½ 31 Ÿ¸¸¸Ä 2023 ˆÅ¸½
Latest audited Balance Sheet Date March 31, 2023 March 31, 2023 March 31, 2023
2. ¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê ˆ¿Åœ¸›¸ú ׸£¸ ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê/ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸¸Ê
ˆ½Å š¸¸¢£÷¸ ©¸½¡¸£
Shares of Associate/Joint Ventures held by the
company on the year end
ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆÅú ¬¸¿‰¡¸¸ 150 00 04 1044 00 00 2500 00 02
Number of equity shares
¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê/ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ Ÿ¸Ê ¢›¸¨¸½©¸ £¸¢©¸ 1 50 00 10 44 00 25 00 00
Amount of Investment in Associates/Joint Venture
š¸¸¢£÷¸¸ ˆÅ¸% 27.93% 26.10% 25.00%
Extend of Holding%
3. œ¸¡¸¸Äœ÷¸ œÏž¸¸¨¸ í¸½›¸½ ˆ½Å ˆÅ¸£µ¸¸Ê ˆÅ¸ ¢¨¸¨¸£µ¸ ¤¸¸¡¸¸½’½ˆÅ ˆ¿Å¬¸¸Á¢©¸Ä¡¸Ÿ¸ ‡›¸‡¬¸”ú‡¥¸ Ÿ¸Ê 26.10% ›¸¸Á˜¸Ä ƒ¬’›¸Ä ”½¨¸¥¸œ¸Ÿ¸½¿’
Description of how there is significant influence ƒ¿¢”¡¸¸ ¢¥¸¢Ÿ¸’½” Ÿ¸Ê ˆÅú š¸¸¢£÷¸¸ ˆÅ¸½ ‡‡¬¸-23 ûŸƒ›¸½¿¬¸ ˆÅ¸Á£œ¸¸½£½©¸›¸
27.93% ˆÅú š¸¸¢£÷¸¸ ˆÅ¸½ ˆ½Å ‚›¸º¬¸¸£ ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” Ÿ¸Ê 25% ˆÅú
¥¸½‰¸¸¿ˆÅ›¸ ‡‡¬¸-23 ˆ½Å Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾ š¸¸¢£÷¸¸ ˆÅ¸½ ‡‡¬¸-23 ˆ½Å
‚›¸º¬¸¸£ ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸›¸ú Holding in NSDL ‚›¸º¬¸¸£ ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸›¸ú
being 26.10 %,
Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾ Ÿ¸¸›¸¸ ¸¸÷¸¸ í¾
considered as an
Holding in Biotech Holding in North
Associate as per
Consortium India Eastern Development
AS-23
Ltd being 27.93%, Finance Corporation
considered as an Ltd being 25%,
Associate as per considered as an
AS-23 Associate as per
AS-23
4. ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸›¸ú/ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ ˆ½Å ¬¸Ÿ¸½¢ˆÅ÷¸ ›¸íú¿ í¸½›¸½ ˆÅ¸ ˆÅ¸£µ¸ ¥¸¸Š¸» ›¸íú¿/ ¥¸¸Š¸» ›¸íú¿ ¥¸¸Š¸» ›¸íú¿/
Reason why the associate/joint venture is not N.A. N.A. N.A.
Consolidated
5. ‚Ô¸÷¸›¸ ¥¸½‰¸¸œ¸£ú¢®¸÷¸ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸º¬¸¸£ ©¸½¡¸£š¸¸¢£÷¸¸ 8 27 84 372 93 29 281 03 47
踸½÷¸¸›¡¸ ¢›¸¨¸¥¸ Ÿ¸¸¢¥¸¡¸÷¸
Networth attributable to Shareholding as per latest
audited Balance Sheet
6. 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ¥¸¸ž¸/ í¸¢›¸
Profit / Loss for the year ended
March 31, 2024
i. ¬¸Ÿ¸½ˆÅ›¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ - 50 68 95 -
Considered in Consolidation
ii. ¬¸Ÿ¸½ˆÅ›¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ›¸íú¿ - - -
Not Considered in Consolidation

dm{f©H$ [anmoQ>© Annual Report 2023-24 561

H§$nZr A{Y{Z`_, 2013 H$r Ymam 129 Ho$ AZwgaU _o§ {ddaU
Statement Pursuant to Section 129 of Companies Act, 2013

¢’œœ¸¢µ¸¡¸¸¿ / Notes:
1. „›¸ ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê ‚˜¸¨¸¸ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸¸Ê ˆ½Å ›¸¸Ÿ¸ ¢¸›¸ˆÅ¸ œ¸¢£¸¸¥¸›¸ ‚ž¸ú ©¸º³ ›¸íú¿ íº‚¸ í¾À ˆÅ¸½ƒÄ ›¸íú¿
Names of associates or joint ventures which are yet to commence operations: None

2. „›¸ ¬¸í¡¸¸½Š¸ú ˆ¿Åœ¸¢›¸¡¸¸Ê ‚˜¸¨¸¸ ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸¸Ê ˆ½Å ›¸¸Ÿ¸, ¢¸›íÊ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œ¸¢£¬¸Ÿ¸¸œ÷¸ ‚˜¸¨¸¸ ¤¸½¸¸ Š¸¡¸¸ í¾À ‡¢¸¬¸ û½Å”£¥¸ ¥¸¸ƒûÅ ƒ›©¸º£½¿¬¸ ˆ¿Åœ¸›¸ú ¢¥¸.
Names of associates or joint ventures which have been liquidated or sold during the year : None

3. ›¸½©¸›¸¥¸ ¢¬¸Æ¡¸¸½¢£’ú¸ ¢”œ¸¸Á¢¸’£ú ¢¥¸¢Ÿ¸’½” ˆÅ¸ ¬¸Ÿ¸½ˆÅ›¸ ‡‡¬¸-23 ˆ½Å ‚›¸º¬¸¸£ 31 ¢™¬¸¿¤¸£ 2023 ˆ½Å Š¸¾£-¥¸½‰¸¸œ¸£ú¢®¸÷¸ œ¸¢£µ¸¸Ÿ¸¸Ê œ¸£ ‚¸š¸¸¢£÷¸ í¾.
National Securities Depository Ltd has been consolidated in accordance with AS-23 based on unaudited results as at
December 31, 2023.

4. œ¸¸Ê¢”¸½£ú ƒ¿”¦¬’¥¸ œÏŸ¸¸½©¸›¸ ”½¨¸¥¸œ¸Ÿ¸Ê’ ‡¿” ƒ›¨¸½¬’Ÿ¸Ê’ ˆÅ¸Á£œ¸¸½£½©¸›¸ ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅ¸ ¬¸Ÿ¸½ˆÅ›¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸/ ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä œÏ¸œ÷¸ ›¸ í¸½›¸½ ˆ½Å ˆÅ¸£µ¸ ›¸íú¿ ¢ˆÅ¡¸¸
Š¸¡¸¸ í¾. ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸ Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅ¸½ ¤¸’Ã’½ ‰¸¸÷¸½ ”¸¥¸ˆÅ£ ‡ˆÅ ³Åœ¸¡¸¸ ˆÅ£ ¢™¡¸¸ Š¸¡¸¸ í¾.
The financials of Pondicherry Industrial Promotion Development and Investment Corporation Ltd. have not been consolidated on
account of non receipt of financial statements/annual report. The investment in the Associate is written down to rupee one.
5. ¤¸¸Á¡¸¸½’½ˆÅ ˆ¿Å¬¸¸Á¢©¸Ä¡¸Ÿ¸ ƒ¿¢”¡¸¸ ¢¥¸¢Ÿ¸’½”, ›¸½©¸›¸¥¸ ¢¬¸Æ¡¸¸½¢£’ú¸ ¢”œ¸¸Á¢¸’£ú ¢¥¸. ‚¸¾£ ›¸¸Á˜¸Ä ƒÄ¬’›¸Ä ”½¨¸¥¸œ¸Ÿ¸Ê’ ûŸƒ›¸Ê¬¸ ˆÅ¸Á£œ¸¸½£½©¸›¸ ¢¥¸¢Ÿ¸’½” ¬¸½ ¨¸¸¿¢Ž÷¸ ¸¸›¸ˆÅ¸£ú œÏ¸œ÷¸ ›¸
í¸½›¸½ ˆ½Å ˆÅ¸£µ¸ ¢›¸¨¸¥¸ Ÿ¸¸¢¥¸¡¸÷¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023 ˆ½Å ‚›¸º¬¸¸£ ¥¸ú Š¸ƒÄ í¾.
The Networth of Biotech Consortium India Limited,National Securities Depository Ltd and North Eastern Development Finance
Corporaton Limited taken as per FY 2023 due to non availability of the desired information.

(£¸ˆ½Å©¸ ©¸Ÿ¸¸Ä) (¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾) (¬¸Ÿ¸£½©¸ œ¸¢£™¸) (¦¬Ÿ¸÷¸¸ ˆºÅ¤¸½£) (¡¸¸½¢÷¸ ›¸¸¡¸£)
(Rakesh Sharma) (Jayakumar S. Pillai) (Samaresh Parida) (Smita Kuber) (Jyothi Nair)
œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ Ÿ¸º‰¡¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ‚¢š¸ˆÅ¸£ú „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ¢›¸™½©¸ˆÅ Ÿ¸º‰¡¸ ¢¨¸î¸ú¡¸ ‚¢š¸ˆÅ¸£ú ˆ¿Åœ¸›¸ú ¬¸¢¸¨¸
Managing Director & Chief Executive Officer Dy. Managing Director Director Chief Financial Officer Company Secretary
”ú‚¸ƒÄ‡›¸/DIN: 06846594 ”ú‚¸ƒÄ‡›¸/DIN: 10041362 ”ú‚¸ƒÄ‡›¸/DIN: 01853823
¬˜¸¸›¸ À Ÿ¸º¿¤¸ƒÄ / Place: Mumbai
¢™›¸¸¿ˆÅ À 04 Ÿ¸ƒÄ 2024 / Date : May 04, 2024

562 Friendship That

Powers Progress
g_o{H$V {nba III n«H$QZ (31 _mM© 2024)
Consolidated Pillar III Disclosures (March 31, 2024)
ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¤¸¸¬¸½¥¸ III ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¢œ¸¥¸£ III œÏˆÅ’›¸, ¢÷¸Ÿ¸¸íú œÏˆÅ’›¸¸½¿ ˆ½Å ¬¸¸˜¸ ¤¸ÿˆÅ ˆÅú ¨¸½¤¸¬¸¸ƒ’
œ¸£ `Regulatory Disclosures Section' >> FY 2023-24 (Basel III) ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‚¥¸Š¸ ¬¸½ £‰¸½ Š¸‡ íÿ.
Pillar III disclosures at March 31, 2024 along with quarterly disclosures, as per Basel III guidelines of RBI have been
disclosed separately on the Bank’s website under ‘Regulatory Disclosures Section’ >> FY 2023-24 (Basel III).

564 Friendship That

Powers Progress
›¸¸½’ / NOTE
›¸¸½’ / NOTE
›¸¸½’ / NOTE
›¸¸½’ / NOTE
 ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” IDBI BANK LIMITED

CIN L65190MH2004GOI148838 CIN L65190MH2004GOI148838

œ¸¿¸úˆ¼Å÷¸ ˆÅ¸¡¸¸Ä¥¸¡¸ - ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’¸Á¨¸£, Regd. Office - IDBI Tower, WTC Complex, Cuffe Parade,
”¤¥¡¸»’ú¬¸ú ˆÅ¸ÁŸœ¥¸½Æ¬¸, ˆÅûÅ œ¸£½”, Ÿ¸º¿¤¸ƒÄ- 400 005 Mumbai- 400 005,
Phone-(022) 66553336 / 3147
ûŸ½›¸-(022) 66553336/ 3147 E-mail: idbiequity@idbi.co.in, Website: www.idbibank.in
ƒÄŸ¸½¥¸À idbiequity@idbi.co.in, ¨¸½¤¸¬¸¸ƒ’À www.idbibank.in

¬¸»¸›¸¸ NOTICE

‡÷¸™Ã׸£¸ ¬¸»¸›¸¸ ™ú ¸¸÷¸ú í¾ ¢ˆÅ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” ˆ½Å ¬¸™¬¡¸¸Ê ˆÅú NOTICE IS HEREBY GIVEN that the 20th Annual General
Meeting of the Members of IDBI Bank Limited will be held on
20¨¸ú¿ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ Ÿ¸¿Š¸¥¸¨¸¸£, ¢™›¸¸¿ˆÅ 23 ¸º¥¸¸ƒÄ 2024 ˆÅ¸½ œ¸»¨¸¸ÄíÛ¸
Tuesday, July 23, 2024 at 11:00 a.m. exclusively through
11.00 ¤¸¸½ ˆ½Å¨¸¥¸ ¨¸ú¢”¡¸¸½ ˆÅ¸Á›üÊÅ¢¬¸¿Š¸ (¨¸ú¬¸ú)/‚›¡¸ ‚¸Á¢”¡¸¸½-¢¨¸¸º‚¥¸ Video Conferencing (VC)/Other Audio-Visual Means (OAVM),
Ÿ¸¸š¡¸Ÿ¸¸Ê (‚¸½‡¨¸ú‡Ÿ¸) ˆ½Å ¸¢£¡¸½ ‚¸¡¸¸½¢¸÷¸ ˆÅú ¸¸‡Š¸ú, ¢¸¬¸Ÿ¸Ê ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ Ÿ¸™¸Ê to transact the following businesses:
œ¸£ ˆÅ¸£Ä¨¸¸ƒÄ ˆÅú ¸¸‡Š¸úÀ
¬¸¸Ÿ¸¸›¡¸ ˆÅ¸£¸½¤¸¸£ ORDINARY BUSINESS

1. 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¤¸ÿˆÅ ˆ½Å ¥¸½‰¸¸œ¸£ú¢®¸÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê 1. To receive, consider and adopt the Audited Financial
‚¸¾£ „›¸ œ¸£ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ÷¸˜¸¸ ¥¸½‰¸¸-œ¸£ú®¸ˆÅ¸Ê ˆÅú ¢£œ¸¸½’½ô ‚¸¾£ 31 Ÿ¸¸¸Ä Statements of the Bank for the year ended March 31, 2024
2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¤¸ÿˆÅ ˆ½Å ¥¸½‰¸¸œ¸£ú¢®¸÷¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê and the Reports of the Board of Directors & Auditors thereon
‚¸¾£ „›¸ œ¸£ ¥¸½‰¸¸-œ¸£ú®¸ˆÅ¸Ê ˆÅú ¢£œ¸¸½’Ä œÏ¸œ÷¸ ˆÅ£›¸¸, „›¸ œ¸£ ¢¨¸¸¸£ ˆÅ£›¸¸ and the Audited Consolidated Financial Statements of the
÷¸˜¸¸ „›íÊ ¬¨¸úˆÅ¸£ ˆÅ£›¸¸; Bank and the report of the Auditors thereon for the year
ended March 31, 2024;
2. ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆ½Å ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê œ¸£ ¥¸¸ž¸¸¿©¸ ˆÅú
‹¸¸½«¸µ¸¸ ˆÅ£›¸¸; 2. To declare dividend on equity shares of the Bank for the
financial year 2023-24;
3. ªú £¸¸ ˆºÅŸ¸¸£ (”ú‚¸ƒÄ‡›¸À 06627311), ‡¥¸‚¸ƒÄ¬¸ú ˆ½Å ›¸¸¢Ÿ¸÷¸ú ¢›¸™½©¸ˆÅ
ˆÅ¸½ ‚¸¨¸÷¸úÄ ¢›¸™½©¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê œ¸º›¸¢›¸Ä¡¸ºÆ÷¸ ˆÅ£›¸¸, ¸¸½ ‚¸¨¸÷¸Ä›¸ ‚¸š¸¸£ œ¸£ 3. To re-appoint Shri Raj Kumar (DIN: 06627311), LIC Nominee
¬¸½¨¸¸¢›¸¨¸¼î¸ í¸½ £í½ íÿ ÷¸˜¸¸ œ¸¸°¸ í¸½›¸½ ˆ½Å ˆÅ¸£µ¸ „›í¸Ê›¸½ ¬¨¸¡¸¿ ˆÅú œ¸º›¸¢›¸Ä¡¸º¢Æ÷¸ ˆÅ¸ Director as Rotational Director who retires by rotation and,
œÏ¬÷¸¸¨¸ ¢ˆÅ¡¸¸ í¾; being eligible, offers himself for re-appointment;

4. ªú ¸¡¸ˆºÅŸ¸¸£ ‡¬¸. ¢œ¸¥¥¸¾ (”ú‚¸ƒÄ‡›¸À 10041362), „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ 4. To re-appoint Shri Jayakumar S. Pillai (DIN: 10041362),
ˆÅ¸½ ‚¸¨¸÷¸úÄ ¢›¸™½©¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê œ¸º›¸¢›¸Ä¡¸ºÆ÷¸ ˆÅ£›¸¸, ¸¸½ ‚¸¨¸÷¸Ä›¸ ‚¸š¸¸£ œ¸£ Deputy Managing Director as Rotational Director who
¬¸½¨¸¸¢›¸¨¸¼î¸ í¸½ £í½ íÿ ÷¸˜¸¸ œ¸¸°¸ í¸½›¸½ ˆ½Å ˆÅ¸£µ¸ „›í¸Ê›¸½ ¬¨¸¡¸¿ ˆÅú œ¸º›¸¢›¸Ä¡¸º¢Æ÷¸ ˆÅ¸ retires by rotation and, being eligible, offers himself for re-
œÏ¬÷¸¸¨¸ ¢ˆÅ¡¸¸ í¾; appointment;

5. ¬¸¸¿¢¨¸¢š¸ˆÅ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ˆÅú ¢›¸¡¸º¢Æ÷¸ ˆÅ£›¸¸ ‚¸¾£ „›¸ˆÅ¸ œ¸¸¢£ª¢Ÿ¸ˆÅ ÷¸¡¸ 5. To appoint Statutory Auditors and fix their remuneration
ˆÅ£›¸¸ ÷¸˜¸¸ ƒ¬¸ˆ½Å ¢¥¸‡ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ¬¸¿ˆÅ¥œ¸ œ¸£ ¢¨¸¸¸£ ˆÅ£›¸¸ ‚¸¾£ ¡¸¢™ and, in that behalf, to consider and, if thought fit, pass the
„œ¸¡¸ºÆ÷¸ ¬¸Ÿ¸¸¸ ¸¸¡¸½ ÷¸¸½ „¬¸½ ¬¸¸Ÿ¸¸›¡¸ ¬¸¿ˆÅ¥œ¸ ˆ½Å ³Åœ¸ Ÿ¸Ê œ¸¸¢£÷¸ ˆÅ£›¸¸ À- following resolution as an Ordinary Resolution:-

"¬¸¿ˆÅ¥œ¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢ˆÅ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 139- “RESOLVED THAT pursuant to Sections 139-142 and
other applicable provisions, if any, of the Companies Act,
142 ‡¨¸¿ ‚›¡¸ ¥¸¸Š¸» œÏ¸¨¸š¸¸›¸¸Ê, ¡¸¢™ ˆÅ¸½ƒÄ í¸Ê, ˆÅ¸½ ƒ¬¸ ¬¸¿¤¸¿š¸ Ÿ¸Ê ¸¸£ú œÏ¸¬¸¿¢Š¸ˆÅ 2013 read with the relevant Rules issued in this regard, the
¢›¸¡¸Ÿ¸¸Ê ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸, ¤¸ÿˆÅˆÅ¸£ú ¢¨¸¢›¸¡¸Ÿ¸›¸ ‚¢š¸¢›¸¡¸Ÿ¸, 1949 ‚¸¾£ ž¸¸£÷¸ú¡¸ Banking Regulation Act, 1949 and circulars & guidelines
¢£{¸¨¸Ä ¤¸ÿˆÅ (¢£{¸¨¸Ä ¤¸ÿˆÅ) ׸£¸ ¸¸£ú œ¸¢£œ¸°¸¸Ê ‡¨¸¿ ¢™©¸¸¢›¸™½Ä©¸¸Ê, ¤¸ÿˆÅ ˆ½Å ¬¸¿¬˜¸¸ issued by the Reserve Bank of India (RBI), Memorandum
¤¸¢í¢›¸Ä¡¸Ÿ¸ ‡¨¸¿ ‚¿÷¸¢›¸Ä¡¸Ÿ¸, ƒ¬¸ ¬¸Ÿ¸¡¸ ¥¸¸Š¸» ‚›¡¸ ˆÅ¸›¸»›¸ ‡¨¸¿ ¢™©¸¸¢›¸™½Ä©¸¸Ê, and Articles of Association of the Bank and any other law
or guidelines applicable, if any, for the time being in force,
¡¸¢™ ˆÅ¸½ƒÄ í¸Ê, ˆ½Å ‚›¸º¬¸£µ¸ Ÿ¸Ê ¤¸ÿˆÅ ˆ½Å ¬¸™¬¡¸¸Ê ˆÅú ¬¸íŸ¸¢÷¸ Ÿ¸½¬¸¬¸Ä ¸¸½ˆÅ¬¸ú the consent of members of the Bank be and is hereby
‡¿” ¸¸½ˆÅ¬¸ú ‡¥¸‡¥¸œ¸ú, ¸¸’Ä”Ä ‡ˆÅ¸„›’½›’ì¸ (ûÅŸ¸Ä £¢¸. ›¸¿. 101872W/ accorded for appointment of M/s Chokshi & Chokshi
W100045) ‚¸¾£ Ÿ¸½¬¸¬¸Ä ¬¸º£ú ‡¿” ˆ¿Åœ¸›¸ú, ¸¸’Ä”Ä ‡ˆÅ¸„›’½›’ì¸ (ûÅŸ¸Ä £¢¸. LLP, Chartered Accountants (Firm Regn. No. 101872W/
›¸¿. 004283S) ˆÅ¸½ ¤¸ÿˆÅ ˆ½Å ¬¸¿¡¸ºÆ÷¸ ¬¸¸¿¢¨¸¢š¸ˆÅ ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê W100045) and M/s Suri & Co., Chartered Accountants
(Firm Regn. No. 004283S), as Joint Statutory Auditors of
¢›¸¡¸º¢Æ÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ œÏ™¸›¸ ˆÅú ¸¸‡ ‚¸¾£ ‡÷¸™Ã׸£¸ ™ú ¸¸÷¸ú í¾, ¸¸½ ƒ¬¸ the Bank, to hold office from the conclusion of this Annual
¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ ˆ½Å œ¸»µ¸Ä í¸½›¸½ ˆ½Å ¤¸¸™ ¬¸½ ¨¸«¸Ä 2027 Ÿ¸Ê ¬¸¿œ¸››¸ í¸½›¸½ ¨¸¸¥¸ú General Meeting till the conclusion of the Twenty Third
÷¸½ƒÄ¬¸¨¸ú¿ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ ˆ½Å ¬¸Ÿ¸¸œ÷¸ í¸½›¸½ ÷¸ˆÅ ¤¸›¸½ £íÊŠ¸½, ¡¸í ¢›¸¡¸º¢Æ÷¸ ûÅŸ¸¸½ô Annual General Meeting to be held in the year 2027, subject
to the firms satisfying the eligibility norms each year and
׸£¸ œÏ¢÷¸ ¨¸«¸Ä œ¸¸°¸÷¸¸ Ÿ¸¸›¸™¿”¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ ‚¸¾£ ¢£{¸¨¸Ä ¤¸ÿˆÅ ¬¸½ ¨¸¸¢«¸ÄˆÅ subject to approval of the RBI on an annual basis, on such
‚¸š¸¸£ œ¸£ ‚›¸ºŸ¸¸½™›¸ ¥¸½›¸½, ¸¸½ ¤¸¸½”Ä ×¸£¸ ‚›¸º©¸¿¢¬¸÷¸ ©¸÷¸¸½ô ÷¸˜¸¸ ¨¸¸¢«¸ÄˆÅ terms & conditions and at an annual remuneration/ fees as
œ¸¸¢£ª¢Ÿ¸ˆÅ/ûÅú¬¸ ˆ½Å ‚š¸ú›¸ í¸½Š¸ú, ¸¸½ ¬œ¸«’úˆÅ£µ¸ ¢¨¸¨¸£µ¸ Ÿ¸Ê ™ú Š¸ƒÄ í¾, recommended by the Board and given in the explanatory
¢¸¬¸Ÿ¸Ê ¤¸¸½”Ä/¥¸½‰¸¸ œ¸£ú®¸¸ ¬¸¢Ÿ¸¢÷¸ ˆÅ¸½ ¢›¸¡¸º¢Æ÷¸ ˆÅú ©¸÷¸¸½ô ˆÅ¸½ ¤¸™¥¸›¸½ ‡¨¸¿ statement, with a power to the Board/Audit Committee to
alter and vary the terms and conditions of appointment,
³Åœ¸¸¿÷¸¢£÷¸ ˆÅ£›¸½, ©¸½«¸ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ œ¸¸¢£ª¢Ÿ¸ˆÅ Ÿ¸Ê ¬¸¿©¸¸½š¸›¸ ‡½¬¸½ ¿Š¸ ‚¸¾£ revision in the remuneration during the remaining tenure,

1
 „¬¸ ¬¸úŸ¸¸ ÷¸ˆÅ ˆÅ£›¸½ ¸¸½ ¬¸¸¿¢¨¸¢š¸ˆÅ ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê ˆ½Å ¬¸¸˜¸ ‚¸œ¸¬¸ú ¬¸íŸ¸¢÷¸ in such manner and to such extent as may be mutually
¬¸½ ÷¸¡¸ í¸Ê, ˆ½Å ‚¢š¸ˆÅ¸£ ˆ½Å ¬¸¸˜¸ í¸½Š¸ú.'' agreed with the Statutory Auditors.”

"¡¸í ž¸ú ¬¸¿ˆÅ¥œ¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢ˆÅ ¤¸¸½”Ä (¤¸¸½”Ä ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ¬¸¢Ÿ¸¢÷¸ “RESOLVED FURTHER THAT Board (including the Audit
¡¸¸ ƒ¬¸ ¬¸¿¤¸¿š¸ Ÿ¸Ê ¤¸¸½”Ä ×¸£¸ ‚¢š¸ˆ¼Å÷¸ ¢ˆÅ¬¸ú ‚›¡¸ ¨¡¸¢Æ÷¸ (¡¸¸Ê) ¬¸¢í÷¸) Committee of the Board or any other person(s) authorized
ˆÅ¸½ „œ¸¡¸ºÄÆ÷¸ ¬¸¿ˆÅ¥œ¸ ˆÅ¸½ œÏž¸¸¨¸ú ˆÅ£›¸½ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¡¸¸ „¬¸¬¸½ œÏ¸¬¸¿¢Š¸ˆÅ ‡½¬¸½ by the Board in this regard) be and is hereby authorized to
¬¸ž¸ú ‚¸¨¸©¡¸ˆÅ ¡¸¸ ¨¸¸¿Ž›¸ú¡¸ ˆÅ¸¡¸Ä, Ÿ¸¸Ÿ¸¥¸½, ¢¨¸¥¸½‰¸ ‚¸¾£ ¸ú¸Ê ˆÅ£›¸½ ˆ½Å do all such acts, matters, deeds and things necessary or
¢¥¸‡ ‚¢š¸ˆ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸¡¸½ ‚¸¾£ ‡÷¸™Ã׸£¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾, ¢¸¬¸Ÿ¸Ê ˆ¿Åœ¸›¸ú desirable in connection with or incidental to give effect to
£¢¸¬’︣ ˆ½Å œ¸¸¬¸ ‚¸¨¸©¡¸ˆÅ ûŸÁŸ¸Ä ™¸¢‰¸¥¸ ˆÅ£›¸¸ ‚¸¾£ ƒ¬¸ ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚›¡¸ the above resolution, including but not limited to filing of
¬¸ž¸ú ‚œ¸½®¸¸‚¸Ê ˆÅ¸ ‚›¸ºœ¸¸¥¸›¸ ˆÅ£›¸½ ¬¸¢í÷¸ ¥¸½¢ˆÅ›¸ ƒ¬¸ ÷¸ˆÅ íú ¬¸ú¢Ÿ¸÷¸ ›¸íú¿ necessary forms with the Registrar of Companies and to
comply with all other requirements in this regard.”
í¾."
SPECIAL BUSINESS
¢¨¸©¸½«¸ ˆÅ¸£¸½¤¸¸£
6. ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ¬¸¿ˆÅ¥œ¸ œ¸£ ¢¨¸¸¸£ ˆÅ£›¸¸ ÷¸˜¸¸ ¡¸¢™ „œ¸¡¸ºÆ÷¸ ¬¸Ÿ¸¸¸ ¸¸‡ ÷¸¸½ 6. To consider and, if thought fit, to pass the following
ƒ¬¸½ ¬¸¸Ÿ¸¸›¡¸ ¬¸¿ˆÅ¥œ¸ ˆ½Å ³Åœ¸ Ÿ¸Ê œ¸¸¢£÷¸ ˆÅ£›¸¸À resolution as Ordinary Resolution:

"¬¸¿ˆÅ¥œ¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢ˆÅ ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸ ‚¸¾£ ¢¨¸¢›¸Ÿ¸¡¸ ¤¸¸½”Ä “RESOLVED THAT pursuant to the Securities and
Exchange Board of India (Listing Obligations and Disclosure
(¬¸»¸ú¤¸Ö÷¸¸ ¤¸¸š¡¸÷¸¸‡¿ ‚¸¾£ œÏˆÅ’úˆÅ£µ¸ ‚œ¸½®¸¸‡¿) ¢¨¸¢›¸¡¸Ÿ¸, 2015 Requirements) Regulations, 2015 (“Listing Regulations”),
("¬¸»¸ú¤¸Ö÷¸¸ ¢¨¸¢›¸¡¸Ÿ¸"), ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ("‚¢š¸¢›¸¡¸Ÿ¸") ˆÅú Section 188 of the Companies Act, 2013 (“the Act”) and
š¸¸£¸ 188 ÷¸˜¸¸ ‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å ÷¸í÷¸ ¤¸›¸¸‡ Š¸‡ ¢›¸¡¸Ÿ¸¸Ê ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ ‚›¡¸ other applicable provisions of the Act read with rules
¥¸¸Š¸» œÏ¸¨¸š¸¸›¸¸Ê ÷¸˜¸¸ ¢¨¸¢š¸ ˆ½Å ‚›¡¸ œÏ¸¬¸¿¢Š¸ˆÅ œÏ¸¨¸š¸¸›¸¸Ê (¢¸¬¸Ÿ¸Ê ¨¸÷¸ÄŸ¸¸›¸ made thereunder and any other relevant provisions of law,
(including any amendment(s), statutory modification(s) or
Ÿ¸Ê ¥¸¸Š¸» ˆÅ¸½ƒÄ ¬¸¿©¸¸½š¸›¸(›¸¸Ê), ¬¸¸¿¢¨¸¢š¸ˆÅ ‚¸©¸¸½š¸›¸(›¸¸Ê), ¡¸¸ „›¸ˆÅ¸ œ¸º›¸À re-enactment(s) thereof for the time being in force), the
‚¢š¸¢›¸¡¸Ÿ¸›¸ ©¸¸¢Ÿ¸¥¸ íÿ) ˆ½Å ‚›¸º¬¸£µ¸ Ÿ¸Ê ¤¸ÿˆÅ ˆ½Å ¬¸™¬¡¸ ‡÷¸™Ã׸£¸ ¤¸ÿˆÅ ˆ½Å Members of the Bank do hereby accord approval to the
¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ (¢¸¬¸½ ƒ¬¸Ÿ¸Ê ƒ¬¸ˆ½Å ¤¸¸™ "¤¸¸½”Ä" ˆÅí¸ Š¸¡¸¸ í¾ ¢¸¬¸Ÿ¸Ê ¤¸¸½”Ä Board of Directors of the Bank (hereinafter referred to as
the “Board”, which term shall be deemed to include any
׸£¸ ƒ¬¸ ¬¸¿ˆÅ¥œ¸ ˆ½Å ׸£¸ ™ú Š¸ƒÄ ©¸¢Æ÷¸¡¸¸Ê ¬¸¢í÷¸ ‚œ¸›¸ú ©¸¢Æ÷¸¡¸¸Ê ˆ½Å „œ¸¡¸¸½Š¸ Committee(s) constituted/to be constituted by the Board
ˆ½Å ¢¥¸‡ Š¸¢“÷¸ / Š¸“›¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ˆÅ¸½ƒÄ ž¸ú ¬¸¢Ÿ¸¢÷¸ (¡¸¸¿) ©¸¸¢Ÿ¸¥¸ Ÿ¸¸›¸ú to exercise its powers including the powers conferred by
¸¸¡¸ÊŠ¸ú) ˆÅ¸½ ¤¸ÿˆÅ ˆ½Å ‡ˆÅ ¬¸¿¤¸Ö œ¸®¸ˆÅ¸£ í¸½›¸½ ˆ½Å ›¸¸÷¸½ ž¸¸£÷¸ú¡¸ ¸ú¨¸›¸ ¤¸úŸ¸¸ this resolution), for carrying out and /or continuing with
contracts/ arrangements/ transactions (whether individual
¢›¸Š¸Ÿ¸ (‡¥¸‚¸ƒÄ¬¸ú) ˆ½Å ¬¸¸˜¸ ¬¸¿¢¨¸™¸‡¿/ˆÅ£¸£/¥¸½›¸™½›¸ ˆÅ£›¸½ ‚¸¾£/¡¸¸ ¸¸£ú transaction or transactions taken together or series of
£‰¸›¸½ (‡ˆÅ¥¸ ¥¸½›¸™½›¸ ‚˜¸¨¸¸ ¥¸½›¸™½›¸¸Ê ˆÅ¸ ¬¸Ÿ¸»í ¡¸¸ ¥¸½›¸™½›¸¸Ê ˆÅú ª¼¿‰¸¥¸¸ transactions or otherwise), with Life Insurance Corporation
‚˜¸¨¸¸ ‚›¡¸˜¸¸) ˆÅ¸½ œ¸í¥¸½ ˆÅú ¨¡¸¨¸¬˜¸¸‚¸Ê/ ¥¸½›¸™½›¸¸Ê ˆÅú ¢›¸£¿÷¸£÷¸¸ (‚¸Ê) of India (LIC), being a related party of the Bank, whether
¡¸¸ ›¸¨¸ú›¸úˆÅ£µ¸ (µ¸¸Ê) ¡¸¸ ¢¨¸¬÷¸¸£ (£¸Ê) ¡¸¸ ‚¸©¸¸½š¸›¸ (›¸¸Ê) ˆ½Å ³Åœ¸ Ÿ¸Ê ¡¸¸ by way of continuation(s) or renewal(s) or extension(s) or
modification(s) of earlier arrangements/ transactions or
›¸‡ ‚¸¾£ ¬¨¸÷¸¿°¸ ¥¸½›¸™½›¸ (›¸¸Ê) ˆ½Å ³Åœ¸ Ÿ¸Ê ‚˜¸¨¸¸ ‚›¡¸˜¸¸ ³Åœ¸ Ÿ¸Ê ¢›¸Ÿ›¸¸›¸º¬¸¸£ as fresh and independent transaction(s) or otherwise as
ˆÅ£›¸½ ˆÅ¸ ‚›¸ºŸ¸¸½™›¸ œÏ™¸›¸ ˆÅ£÷¸½ íÿÀ mentioned hereunder:

1) ‡¥¸‚¸ƒÄ¬¸ú ¬¸½ ¸¸¥¸» ‰¸¸÷¸¸ ¸Ÿ¸¸ ¡¸¸ ¬¸¸¨¸¢š¸ ¸Ÿ¸¸ ("¸Ÿ¸¸£¸¢©¸¡¸¸¿") 1) Deposits (in any form and by whatever name
called), including Current Account Deposits or Fixed
¬¸¢í÷¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ (¢ˆÅ¬¸ú ž¸ú ³Åœ¸ Ÿ¸Ê ‚¸¾£ ¢ˆÅ¬¸ú ž¸ú ›¸¸Ÿ¸ ¬¸½) ‚¸¾£
Deposits (“Deposits”) from LIC and interest thereon;
„¬¸ œ¸£ ¤¡¸¸¸;
2) Granting of any loans or advances, credit facilities,
2) ¥¸¸Š¸» ˆÅ¸›¸»›¸¸Ê ‚¸¾£ ¤¸ÿˆÅ ˆÅú ¬¸¿¤¸¿¢š¸÷¸ ›¸ú¢÷¸¡¸¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¡¸˜¸¸ ‚›¸ºŸ¸÷¸ or any other form of Fund-based facilities, and/
£¸¢©¸ ‚¸¾£ ©¸÷¸¸½ô (¤¡¸¸¸ ™£, œÏ¢÷¸ž¸»¢÷¸, ‚¨¸¢š¸, ‚¸¢™ ¬¸¢í÷¸) œ¸£ or guarantees, letters of credit, or any other form
‡¥¸‚¸ƒÄ¬¸ú ˆÅ¸½ ¢ˆÅ¬¸ú ž¸ú œÏˆÅ¸£ ˆÅ¸ †µ¸ ¡¸¸ ‚¢ŠÏŸ¸, †µ¸ ¬¸º¢¨¸š¸¸‡¿ of Non-Fund based facilities to LIC, sanctioned up
to an amount and on such terms and conditions
‚˜¸¨¸¸ ¢ˆÅ¬¸ú ž¸ú œÏˆÅ¸£ ˆÅú ¢›¸¢š¸-‚¸š¸¸¢£÷¸ ¬¸º¢¨¸š¸¸‡¿ ‚¸¾£/¡¸¸ (including rate of interest, security, tenure etc.) as
Š¸¸£¿¢’¡¸¸¿, ¬¸¸‰¸ œ¸°¸ ‚˜¸¨¸¸ ¢ˆÅ¬¸ú ž¸ú œÏˆÅ¸£ ˆÅú Š¸¾£-¢›¸¢š¸ ‚¸š¸¸¢£÷¸ permissible under applicable laws and the relevant
¬¸º¢¨¸š¸¸‡¿ Ÿ¸¿¸»£ ˆÅ£›¸¸; policies of the Bank;

3) ‡¥¸‚¸ƒÄ¬¸ú ˆÅ¸½ ¤¸ÿˆÅ ˆÅú †µ¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ¸¸£ú ˆÅ£›¸¸, ¤¡¸¸¸ ˆÅ¸ 3) Issue of debt securities of the Bank to LIC, payment
of interest and redemption amount thereof;
ž¸ºŠ¸÷¸¸›¸ ‚¸¾£ „¬¸ˆÅú Ÿ¸¸½¸›¸ £¸¢©¸;
4) Fees/commission for distribution of insurance
4) ¤¸úŸ¸¸ ¡¸¸½¸›¸¸‚¸Ê ‚¸¾£ ‚›¡¸ ¬¸¿¤¸Ö ¨¡¸¨¸¬¸¸¡¸ ˆ½Å ¢¨¸÷¸£µ¸ ˆ½Å ¢¥¸‡ products and other related business;
©¸º¥ˆÅ/ˆÅŸ¸ú©¸›¸; 5) Other transactions and / or arrangements with
5) ‡¥¸‚¸ƒÄ¬¸ú ˆ½Å ¬¸¸˜¸ ¬¸íŸ¸÷¸ œÏ¢÷¸ûÅ¥¸ œ¸£ ‚˜¸¨¸¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ íºƒÄ and/ or transfer of resources / services from/to LIC,
against the consideration agreed upon or as may be
¬¸íŸ¸¢÷¸ ˆ½Å ‚›¸º¬¸¸£ ÷¸˜¸¸ / ‚˜¸¨¸¸ ¤¸ÿˆÅ / ƒ¬¸ˆÅú ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸¢›¸¡¸¸Ê agreed from time to time and/ or where the Bank/
׸£¸ ¢›¸Ÿ›¸ ˆÅ¸¡¸¸½ô ˆ½Å ¢¥¸‡ ‚›¡¸ ¥¸½›¸-™½›¸ ‚¸¾£/¡¸¸ ¨¡¸¨¸¬˜¸¸‡¿ its subsidiaries would (i) purchase/ sell securities,
‚¸¾£/ ¡¸¸ ¬¸¿¬¸¸š¸›¸¸Ê/ ¬¸½¨¸¸‚¸Ê ˆÅ¸ ‡¥¸‚¸ƒÄ¬¸ú ˆÅ¸½/¬¸½ ‚¿÷¸£µ¸À (i) receive fees, charges, revenue, commission,
œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅ¸ ÇÅ¡¸/ ¢¨¸ÇÅ¡¸, ©¸º¥ˆÅ, œÏž¸¸£, £¸¸¬¨¸, ˆÅŸ¸ú©¸›¸, premium, brokerage or any other income, such as
for custody / depository services, advisory services,
œÏú¢Ÿ¸¡¸Ÿ¸, ¤Ï¸½ˆÅ£½¸ ¡¸¸ ˆÅ¬’”ú/ ¢”œ¸¸Á¢¸’£ú ¬¸½¨¸¸‚¸Ê, ¬¸¥¸¸íˆÅ¸£ú insurance services, asset management fees, Issuing

2
 ¬¸½¨¸¸‚¸Ê, ¤¸úŸ¸¸ ¬¸½¨¸¸‚¸Ê, ‚¸¦¬÷¸ œÏ¤¸¿š¸›¸ ©¸º¥ˆÅ, ‚›¸º¤¸¿š¸ ©¸º¥ˆÅ ¸¸£ú and Paying Agreement fees, shared services,
collection and payment services, issue of securities
ˆÅ£›¸½ ¨¸ ž¸ºŠ¸÷¸¸›¸ ˆÅ£›¸½, ¬¸¸¸¸ ¬¸½¨¸¸‡¿, ¬¸¿ŠÏíµ¸ ‚¸¾£ ž¸ºŠ¸÷¸¸›¸ ¬¸½¨¸¸‡¿, and / or (ii) incur expenses, as may be disclosed in
œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ¸¸£ú ˆÅ£›¸½ ¸¾¬¸½ ˆÅ¸¡¸¸½ô ¬¸½ ‚›¡¸ ‚¸¡¸ œÏ¸œ÷¸ ˆÅ£›¸½ ˆ½Å the notes forming part of the consolidated financial
¢¥¸‡ ÷¸˜¸¸/ ‚˜¸¨¸¸ (ii) „œ¸Š¸÷¸ ¨¡¸¡¸, ¸¸½ ¤¸ÿˆÅ ˆ½Å ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ statements of the Bank.
¢¨¸¨¸£µ¸¸Ê ˆ½Å ž¸¸Š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢’œœ¸¢µ¸¡¸¸Ê Ÿ¸Ê œÏˆÅ’ ¢ˆÅ¡¸½ Š¸¡¸½ íÿ. Notwithstanding the fact that such contracts/
arrangements/transactions during a Financial
ƒ¬¸ ÷¸˜¡¸ ˆ½Å ¤¸¸¨¸¸»™ ¢ˆÅ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ƒ¬¸ ÷¸£í ˆ½Å ‚›¸º¤¸¿š¸/ Year, whether individually and/or in the aggregate,
¨¡¸¨¸¬˜¸¸ / ¥¸½›¸™½›¸, ¸¸í½ ‡ˆÅ¥¸ ³Åœ¸ Ÿ¸Ê ÷¸˜¸¸/ ‚˜¸¨¸¸ ¬¸Ÿ¸ŠÏ ³Åœ¸ Ÿ¸Ê, may exceed ` 1,000 crore or 10% of the annual
` 1,000 ˆÅ£¸½”õ ‚˜¸¨¸¸ ¤¸ÿˆÅ ˆ½Å Š¸÷¸ ¥¸½‰¸¸ œ¸£ú¢®¸÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê consolidated turnover of the Bank as per the last
ˆ½Å ‚›¸º¬¸¸£ ¤¸ÿˆÅ ˆ½Å ¨¸¸¢«¸ÄˆÅ ¬¸Ÿ¸½¢ˆÅ÷¸ ˆÅ¸£¸½¤¸¸£ ˆ½Å 10%, ƒ›¸Ÿ¸Ê ¬¸½ ¸¸½ audited financial statements of the Bank, whichever
is lower, or any other materiality threshold as may
ž¸ú ˆÅŸ¸ í¸½, ‚˜¸¨¸¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ¢¨¸¢š¸/ ¢¨¸¢›¸¡¸Ÿ¸›¸¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ be applicable under law/ regulations from time to
œÏ¡¸¸½¡¸ ‚›¡¸ ÷¸¸¦÷¨¸ˆÅ ¬¸úŸ¸¸, ¢¸¬¸Ÿ¸Ê ¸Ÿ¸¸ ¨¸ „¬¸ œ¸£ ¤¡¸¸¸ ‡½¬¸½ time; wherein Deposits and interest thereon would
¥¸½›¸™½›¸ Ÿ¸»¥¡¸ ˆÅ¸ œ¸¡¸¸Äœ÷¸ ¢í¬¬¸¸ í¸Ê, ¬¸½ ‚¢š¸ˆÅ í¸½ ¬¸ˆÅ÷¸½ íÿ; ¤¸©¸÷¸½Ä form a substantial portion of such transaction
„Æ÷¸ ‚›¸º¤¸¿š¸/ ¨¡¸¨¸¬˜¸¸/ ¥¸½›¸™½›¸ ¬¨¸÷¸¿°¸ ¬¸¿¨¡¸¨¸í¸£ ¢¬¸Ö¸¿÷¸ ‚¸š¸¸£ value; provided however, that the said contracts/
arrangements/ transactions shall be carried out on
œ¸£ ‚¸¾£ ¤¸ÿˆÅ ˆ½Å ¬¸¸Ÿ¸¸›¡¸ ¨¡¸¨¸¬¸¸¡¸ ˆ½Å ÷¸í÷¸ í¸½." an arm’s length basis and in the ordinary course of
business of the Bank.”
"¡¸í ž¸ú ¬¸¿ˆÅ¥œ¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢ˆÅ ¤¸ÿˆÅ ˆ½Å ¬¸™¬¡¸ ‡÷¸™Ã׸£¸
“RESOLVED FURTHER THAT the members of
¤¸¸½”Ä (ƒ¬¸ œ¸™ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‡½¬¸ú ˆÅ¸½ƒÄ ž¸ú ¬¸¢Ÿ¸¢÷¸ ©¸¸¢Ÿ¸¥¸ í¾ ¸¸½ the Bank do hereby accord approval to the Board
¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ׸£¸ Š¸¢“÷¸ ˆÅú Š¸ƒÄ í¾ ¡¸¸ ƒ¬¸ˆ½Å ¤¸¸™ Š¸¢“÷¸ (which term shall include any Committee, which the
ˆÅú ¸¸÷¸ú í¾ ‚¸¾£ ƒ¬¸ œÏ¡¸¸½¸›¸ ˆ½Å ¢¥¸‡ ‚¸¨¸©¡¸ˆÅ ©¸¢Æ÷¸¡¸¸Ê ˆÅ¸ Board of Directors of the Bank may have constituted
œÏ÷¡¸¸¡¸¸½¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾) ׸£¸ ‡½¬¸½ ¬¸ž¸ú ˆÅ¸¡¸Ä, ¢¨¸¥¸½‰¸, Ÿ¸¸Ÿ¸¥¸½ or may hereafter constitute and delegated with the
powers necessary for the purpose), to do all such
‚¸¾£ ¸ú¸Ê ˆÅ£›¸½ ‚¸¾£ ˆÅ¸½ƒÄ ˆÅ£¸£, ™¬÷¸¸¨¸½¸ ÷¸˜¸¸ ¢¥¸‰¸¸¨¸’ acts, deeds, matters and things and to execute
¢›¸«œ¸¸¢™÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡, ¸¸½ „›¸ˆ½Å ‡ˆÅ¥¸ ¢¨¸¨¸½ˆÅ¸¢š¸ˆÅ¸£ ˆ½Å ‚¿÷¸Š¸Ä÷¸ any agreements, documents and writings as may
„¢¸÷¸ ¬¸Ÿ¸¸½ ¸¸‡¿ ÷¸˜¸¸ ¤¸ÿˆÅ ˆ½Å ¢ˆÅ¬¸ú ž¸ú ¢›¸™½©¸ˆÅ (ˆÅ¸Ê) ÷¸˜¸¸/ be required, in its sole discretion deem fit and to
‚˜¸¨¸¸ ‚¢š¸ˆÅ¸£ú(¢£¡¸¸Ê) ˆÅ¸½ ‚›¸º¤¸¿š¸¸Ê/ ¨¡¸¨¸¬˜¸¸‚¸Ê/ ¥¸½›¸™½›¸¸Ê ˆ½Å delegate all or any of its powers conferred herein
to any Director(s) and/or Officer(s) of the Bank for
¢›¸«œ¸¸™›¸ ˆ½Å ¢¥¸‡ ‚¸¾£ ƒ¬¸ ¬¸¿ˆÅ¥œ¸ ˆÅ¸½ œÏž¸¸¨¸ú ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¬¸ž¸ú execution of contracts/arrangements/transactions
¡¸¸ ¢ˆÅ¬¸ú ž¸ú ‚œ¸›¸ú ©¸¢Æ÷¸ ˆÅ¸ œÏ÷¡¸¸¡¸¸½¸›¸ ˆÅ£›¸½ ˆÅ¸ ‚›¸ºŸ¸¸½™›¸ œÏ™¸›¸ and to give effect to this Resolution.”
ˆÅ£÷¸½ íÿ." 7. To consider and, if thought fit, to pass the following
resolution as Ordinary Resolution:
7. ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ¬¸¿ˆÅ¥œ¸ œ¸£ ¢¨¸¸¸£ ˆÅ£›¸¸ ÷¸˜¸¸ ¡¸¢™ „œ¸¡¸ºÆ÷¸ ¬¸Ÿ¸¸¸ ¸¸‡ ÷¸¸½
„¬¸½ ¬¸¸Ÿ¸¸›¡¸ ¬¸¿ˆÅ¥œ¸ ˆ½Å ³Åœ¸ Ÿ¸Ê œ¸¸¢£÷¸ ˆÅ£›¸¸À “RESOLVED THAT pursuant to the Securities and
Exchange Board of India (Listing Obligations and Disclosure
Requirements) Regulations, 2015 (“Listing Regulations”),
"¬¸¿ˆÅ¥œ¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢ˆÅ ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸ ‚¸¾£ ¢¨¸¢›¸Ÿ¸¡¸ ¤¸¸½”Ä Section 188 of the Companies Act, 2013 (“the Act”) and
(¬¸»¸ú¤¸Ö÷¸¸ ¤¸¸š¡¸÷¸¸‡¿ ‚¸¾£ œÏˆÅ’úˆÅ£µ¸ ‚œ¸½®¸¸‡¿) ¢¨¸¢›¸¡¸Ÿ¸, 2015 other applicable provisions of the Act read with rules
("¬¸»¸ú¤¸Ö÷¸¸ ¢¨¸¢›¸¡¸Ÿ¸"), ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ("‚¢š¸¢›¸¡¸Ÿ¸") ˆÅú made thereunder and any other relevant provisions of law,
(including any amendment(s), statutory modification(s) or
š¸¸£¸ 188 ÷¸˜¸¸ ‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å ÷¸í÷¸ ¤¸›¸¸‡ Š¸‡ ¢›¸¡¸Ÿ¸¸Ê ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ re-enactment(s) thereof for the time being in force), the
‚›¡¸ ¥¸¸Š¸» œÏ¸¨¸š¸¸›¸¸Ê ÷¸˜¸¸ ¢¨¸¢š¸ ˆ½Å ‚›¡¸ ¢ˆÅ¬¸ú œÏ¸¬¸¿¢Š¸ˆÅ œÏ¸¨¸š¸¸›¸¸Ê (¢¸¬¸Ÿ¸Ê Members of the Bank do hereby accord approval to the
¨¸÷¸ÄŸ¸¸›¸ Ÿ¸Ê ¥¸¸Š¸» ˆÅ¸½ƒÄ ¬¸¿©¸¸½š¸›¸(›¸¸Ê), ¬¸¸¿¢¨¸¢š¸ˆÅ ‚¸©¸¸½š¸›¸(›¸¸Ê), ¡¸¸ „›¸ˆÅ¸ Board of Directors of the Bank (hereinafter referred to as
œ¸º›¸À ‚¢š¸¢›¸¡¸Ÿ¸›¸ ©¸¸¢Ÿ¸¥¸ íÿ) ˆ½Å ‚›¸º¬¸£µ¸ Ÿ¸Ê ¤¸ÿˆÅ ˆ½Å ¬¸™¬¡¸ ‡÷¸™Ã׸£¸ ¤¸ÿˆÅ the “Board”, which term shall be deemed to include any
ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ (¢¸¬¸½ ƒ¬¸Ÿ¸Ê ƒ¬¸ˆ½Å ¤¸¸™ "¤¸¸½”Ä" ˆ½Å ˆÅí¸ Š¸¡¸¸ í¾ ¢¸¬¸Ÿ¸Ê Committee(s) constituted/to be constituted by the Board
to exercise its powers including the powers conferred by
¤¸¸½”Ä ×¸£¸ ƒ¬¸ ¬¸¿ˆÅ¥œ¸ Ÿ¸Ê ™ú Š¸ƒÄ ©¸¢Æ÷¸¡¸¸Ê ¬¸¢í÷¸ ‚œ¸›¸ú ©¸¢Æ÷¸¡¸¸Ê ˆ½Å „œ¸¡¸¸½Š¸ this resolution), for carrying out and /or continuing with
ˆ½Å ¢¥¸‡ Š¸¢“÷¸/ Š¸“›¸ ˆÅú ¸¸›¸½ ¨¸¸¥¸ú ˆÅ¸½ƒÄ ž¸ú ¬¸¢Ÿ¸¢÷¸ (¡¸¸¿) ©¸¸¢Ÿ¸¥¸ íÿ) ˆÅ¸½ contracts/ arrangements/ transactions (whether individual
¤¸ÿˆÅ ˆ½Å ‡ˆÅ ¬¸¿¤¸Ö œ¸®¸ˆÅ¸£ í¸½›¸½ ˆ½Å ›¸¸÷¸½ ‡¥¸‚¸ƒÄ¬¸ú í¸„¢¬¸¿Š¸ ûŸƒ›¸Ê¬¸ ¢¥¸. transaction or transactions taken together or series of
ˆ½Å ¬¸¸˜¸ ¬¸¿¢¨¸™¸‡¿/ˆÅ£¸£/¥¸½›¸™½›¸ ˆÅ£›¸½ ‚¸¾£/¡¸¸ ¸¸£ú £‰¸›¸½ (‡ˆÅ¥¸ ¥¸½›¸™½›¸ transactions or otherwise), with LIC Housing Finance
Limited being a related party of the Bank, whether by
‚˜¸¨¸¸ ¥¸½›¸™½›¸¸Ê ˆÅ¸ ¬¸Ÿ¸»í ¡¸¸ ¥¸½›¸™½›¸¸Ê ˆÅú ª¼¿‰¸¥¸¸ ‚˜¸¨¸¸ ‚›¡¸˜¸¸) ˆÅ¸½ œ¸í¥¸½ way of continuation(s) or renewal(s) or extension(s) or
ˆÅú ¨¡¸¨¸¬˜¸¸‚¸Ê/ ¥¸½›¸™½›¸¸Ê ˆÅú ¢›¸£¿÷¸£÷¸¸ (‚¸Ê) ¡¸¸ ›¸¨¸ú›¸úˆÅ£µ¸ (µ¸¸Ê) ¡¸¸ modification(s) of earlier arrangements/ transactions or
¢¨¸¬÷¸¸£ (£¸Ê) ¡¸¸ ‚¸©¸¸½š¸›¸ (›¸¸Ê) ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¡¸¸ ›¸‡ ‚¸¾£ ¬¨¸÷¸¿°¸ ¥¸½›¸™½›¸ as fresh and independent transaction(s) or otherwise as
(›¸¸Ê) ˆ½Å ³Åœ¸ Ÿ¸Ê ‚˜¸¨¸¸ ‚›¡¸˜¸¸ ³Åœ¸ Ÿ¸Ê ¢›¸Ÿ›¸¸›¸º¬¸¸£ ˆÅ£›¸½ ˆÅ¸ ‚›¸ºŸ¸¸½™›¸ mentioned hereunder:
œÏ™¸›¸ ˆÅ£÷¸½ íÿÀ a. granting of any loans or advances, credit facilities,
or any other form of fund-based facilities, and / or
ˆÅ. ¥¸¸Š¸» ˆÅ¸›¸»›¸¸Ê ‚¸¾£ ¤¸ÿˆÅ ˆÅú ¬¸¿¤¸¿¢š¸÷¸ ›¸ú¢÷¸¡¸¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¡¸˜¸¸ ‚›¸ºŸ¸÷¸ guarantees, letters of credit, or any other form of non-
£¸¢©¸ ‚¸¾£ ©¸÷¸¸½ô (¤¡¸¸¸ ™£, œÏ¢÷¸ž¸»¢÷¸, ‚¨¸¢š¸, ‚¸¢™ ¬¸¢í÷¸) œ¸£ fund based facilities to or on behalf of LIC Housing
Finance Limited, sanctioned up to such amounts
‡¥¸‚¸ƒÄ¬¸ú í¸„¢¬¸¿Š¸ ûŸƒ›¸Ê¬¸ ¢¥¸¢Ÿ¸’½” ˆÅ¸½ ¡¸¸ „¬¸ˆÅú ‚¸½£ ¬¸½ †µ¸ and on such terms and conditions (including rate of
¡¸¸ ‚¢ŠÏŸ¸, †µ¸ ¬¸º¢¨¸š¸¸‡¿, ¡¸¸ ¢ˆÅ¬¸ú ‚›¡¸ œÏˆÅ¸£ ˆÅú ¢›¸¢š¸-‚¸š¸¸¢£÷¸ interest, security, tenure etc.) as permissible under
¬¸º¢¨¸š¸¸‡¿, ‚¸¾£ / ¡¸¸ Š¸¸£¿¢’¡¸¸¿, ¬¸¸‰¸ œ¸°¸, ¡¸¸ ¢ˆÅ¬¸ú ‚›¡¸ œÏˆÅ¸£ ˆÅú applicable laws and the relevant policies of the
Bank.
Š¸¾£-¢›¸¢š¸ ‚¸š¸¸¢£÷¸ ¬¸º¢¨¸š¸¸‡¿ Ÿ¸¿¸»£ ˆÅ£›¸¸.
Notwithstanding the fact that such contracts/
ƒ¬¸ ÷¸˜¡¸ ˆ½Å ¤¸¸¨¸¸»™ ¢ˆÅ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ƒ¬¸ ÷¸£í ˆ½Å ‚›¸º¤¸¿š¸/ arrangements/transactions during a Financial
¨¡¸¨¸¬˜¸¸ / ¥¸½›¸™½›¸, ¸¸í½ ‡ˆÅ¥¸ ³Åœ¸ Ÿ¸Ê ÷¸˜¸¸/ ‚˜¸¨¸¸ ¬¸Ÿ¸ŠÏ ³Åœ¸ Ÿ¸Ê, Year, whether individually and/or in the aggregate,
may exceed ` 1,000 crore or 10% of the annual
` 1,000 ˆÅ£¸½”õ ‚˜¸¨¸¸ ¤¸ÿˆÅ ˆ½Å Š¸÷¸ ¥¸½‰¸¸ œ¸£ú¢®¸÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê consolidated turnover of the Bank as per the last
ˆ½Å ‚›¸º¬¸¸£ ¤¸ÿˆÅ ˆ½Å ¨¸¸¢«¸ÄˆÅ ¬¸Ÿ¸½¢ˆÅ÷¸ ˆÅ¸£¸½¤¸¸£ ˆ½Å 10%, ƒ›¸Ÿ¸Ê ¬¸½ ¸¸½ audited financial statements of the Bank, whichever
ž¸ú ˆÅŸ¸ í¸½, ‚˜¸¨¸¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ¢¨¸¢š¸/ ¢¨¸¢›¸¡¸Ÿ¸›¸¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ is lower, or any other materiality threshold as may

3
 œÏ¡¸¸½¡¸ ‚›¡¸ ÷¸¸¦÷¨¸ˆÅ ¬¸úŸ¸¸, ¬¸½ ‚¢š¸ˆÅ í¸½ ¬¸ˆÅ÷¸½ íÿ; ¤¸©¸÷¸½Ä „Æ÷¸ be applicable under law/ regulations from time to
time; provided however, that the said contracts/
‚›¸º¤¸¿š¸/ ¨¡¸¨¸¬˜¸¸/ ¥¸½›¸™½›¸ ¬¨¸÷¸¿°¸ ¬¸¿¨¡¸¨¸í¸£ ¢¬¸Ö¸¿÷¸ ‚¸š¸¸£ œ¸£
arrangements/ transactions shall be carried out on
‚¸¾£ ¤¸ÿˆÅ ˆ½Å ¬¸¸Ÿ¸¸›¡¸ ¨¡¸¨¸¬¸¸¡¸ ˆ½Å ÷¸í÷¸ í¸½.'' an arm’s length basis and in the ordinary course of
business of the Bank.”
``¡¸í ž¸ú ¬¸¿ˆÅ¥œ¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢ˆÅ ¤¸ÿˆÅ ˆ½Å ¬¸™¬¡¸ ‡÷¸™Ã׸£¸ ¤¸¸½”Ä (ƒ¬¸
œ¸™ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‡½¬¸ú ˆÅ¸½ƒÄ ž¸ú ¬¸¢Ÿ¸¢÷¸ ©¸¸¢Ÿ¸¥¸ í¾ ¸¸½ ¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ “RESOLVED FURTHER THAT the members of the Bank
do hereby accord approval to the Board (which term shall
׸£¸ Š¸¢“÷¸ ˆÅú Š¸ƒÄ í¾ ¡¸¸ ƒ¬¸ˆ½Å ¤¸¸™ Š¸¢“÷¸ ˆÅú ¸¸÷¸ú í¾ ‚¸¾£ ƒ¬¸ œÏ¡¸¸½¸›¸ include any Committee, which the Board of Directors of
ˆ½Å ¢¥¸‡ ‚¸¨¸©¡¸ˆÅ ©¸¢Æ÷¸¡¸¸Ê ˆÅ¸ œÏ÷¡¸¸¡¸¸½¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾) ׸£¸ ‡½¬¸½ the Bank may have constituted or may hereafter constitute
¬¸ž¸ú ˆÅ¸¡¸Ä, ¢¨¸¥¸½‰¸, Ÿ¸¸Ÿ¸¥¸½ ‚¸¾£ ¸ú¸Ê ˆÅ£›¸½ ‚¸¾£ ˆÅ¸½ƒÄ ˆÅ£¸£, ™¬÷¸¸¨¸½¸ and delegated with the powers necessary for the purpose),
to do all such acts, deeds, matters and things and to
÷¸˜¸¸ ¢¥¸‰¸¸¨¸’ ¢›¸«œ¸¸¢™÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡, ¸¸½ „›¸ˆ½Å ‡ˆÅ¥¸ ¢¨¸¨¸½ˆÅ¸¢š¸ˆÅ¸£ ˆ½Å
execute any agreements, documents and writings as may
‚¿÷¸Š¸Ä÷¸ „¢¸÷¸ ¬¸Ÿ¸¸½ ¸¸‡¿ ÷¸˜¸¸ ¤¸ÿˆÅ ˆ½Å ¢ˆÅ¬¸ú ž¸ú ¢›¸™½©¸ˆÅ (ˆÅ¸Ê) ÷¸˜¸¸/ be required, in its sole discretion deem fit and to delegate
‚˜¸¨¸¸ ‚¢š¸ˆÅ¸£ú(¢£¡¸¸Ê) ˆÅ¸½ ‚›¸º¤¸¿š¸¸Ê/ ¨¡¸¨¸¬˜¸¸‚¸Ê/ ¥¸½›¸™½›¸¸Ê ˆ½Å ¢›¸«œ¸¸™›¸ all or any of its powers conferred herein to any Director(s)
ˆ½Å ¢¥¸‡ ‚¸¾£ ƒ¬¸ ¬¸¿ˆÅ¥œ¸ ˆÅ¸½ œÏž¸¸¨¸ú ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¬¸ž¸ú ¡¸¸ ¢ˆÅ¬¸ú ž¸ú ‚œ¸›¸ú and/or Officer(s) of the Bank for execution of contracts /
arrangements/transactions and to give effect to this
©¸¢Æ÷¸ ˆÅ¸ œÏ÷¡¸¸¡¸¸½¸›¸ ˆÅ£›¸½ ˆÅ¸ ‚›¸ºŸ¸¸½™›¸ œÏ™¸›¸ ˆÅ£÷¸½ íÿ." Resolution.”
8. ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ¬¸¿ˆÅ¥œ¸ œ¸£ ¢¨¸¸¸£ ˆÅ£›¸¸ ÷¸˜¸¸ ¡¸¢™ „œ¸¡¸ºÆ÷¸ ¬¸Ÿ¸¸¸ ¸¸¡¸½ ÷¸¸½ 8. To consider and, if thought fit, to pass the following
„¬¸½ ¬¸¸Ÿ¸¸›¡¸ ¬¸¿ˆÅ¥œ¸ ˆ½Å ³Åœ¸ Ÿ¸Ê œ¸¸¢£÷¸ ˆÅ£›¸¸À resolution as Ordinary Resolution:

¬¸¿ˆÅ¥œ¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢ˆÅ ¤¸ÿˆÅ ˆ½Å ¬¸¿¬˜¸¸ ‚¿÷¸¢›¸Ä¡¸Ÿ¸¸Ê ˆ½Å ‚›¸ºŽ½™ 116(1) “RESOLVED THAT pursuant to Article 116(1)(iii) and
(iii) ‚¸¾£ (vii), ¤¸ÿˆÅˆÅ¸£ú ¢¨¸¢›¸¡¸Ÿ¸›¸ ‚¢š¸¢›¸¡¸Ÿ¸, 1949 ¡¸˜¸¸ ¬¸¿©¸¸½¢š¸÷¸, (vii) of the Articles of Association of the Bank, relevant
provisions of Section 35B and other applicable provisions,
ˆÅú š¸¸£¸ 35 ¤¸ú ˆ½Å œÏ¸¬¸¿¢Š¸ˆÅ œÏ¸¨¸š¸¸›¸¸Ê ÷¸˜¸¸ ‚›¡¸ ¥¸¸Š¸» œÏ¸¨¸š¸¸›¸¸Ê, ¡¸¢™ ˆÅ¸½ƒÄ if any, of the Banking Regulation Act, 1949, as amended
í¸Ê, ƒ¬¸ ¬¸¿¤¸¿š¸ Ÿ¸Ê ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ¸¸£ú ¢›¸¡¸Ÿ¸¸Ê, and the rules, guidelines and circulars as issued by the
¢™©¸¸¢›¸™½Ä©¸¸Ê ‚¸¾£ œ¸¢£œ¸°¸¸Ê, ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ¡¸˜¸¸ ¬¸¿©¸¸½¢š¸÷¸ ˆ½Å Reserve Bank of India (RBI) in this regard, from time to
‚š¸ú›¸ ¤¸›¸¸‡ Š¸‡ œÏ¸¬¸¿¢Š¸ˆÅ ¢›¸¡¸Ÿ¸¸Ê ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ ‚¢š¸¢›¸¡¸Ÿ¸ š¸¸£¸ 152, time, provisions of Sections 152, 160, 196, 197, 203 and
160, 196, 197, 203 ‡¨¸¿ ‚›¸º¬¸»¸ú V ÷¸˜¸¸ ¬¸½¤¸ú ¬¸»¸ú¤¸Ö÷¸¸ ¢¨¸¢›¸¡¸Ÿ¸›¸¸Ê Schedule V of the Companies Act, 2013 as amended, read
with the relevant rules made thereunder and Regulation
ˆ½Å ¢¨¸¢›¸¡¸Ÿ¸›¸ 17 (1¬¸ú) ‡¨¸¿ ‚›¡¸ ¥¸¸Š¸» œÏ¸¨¸š¸¸›¸¸Ê ‚¸¾£ ‚›¡¸ ˆÅ¸½ƒÄ ¥¸¸Š¸»
17(1C) and other applicable provisions of the SEBI Listing
ˆÅ¸›¸»›¸¸Ê (¢¸¬¸Ÿ¸Ê ¨¸÷¸ÄŸ¸¸›¸ ¬¸Ÿ¸¡¸ Ÿ¸Ê ¥¸¸Š¸» „›¸ˆÅ¸ ˆÅ¸½ƒÄ ¬¸¸¿¢¨¸¢š¸ˆÅ ¬¸¿©¸¸½š¸›¸, Regulations and any other applicable laws (including any
‚¸©¸¸½š¸›¸(›¸¸Ê), œ¸¢£¨¸÷¸Ä›¸(›¸¸Ê) ¡¸¸ „¬¸Ÿ¸Ê œ¸º›¸À ‚¢š¸¢›¸¡¸Ÿ¸›¸ ©¸¸¢Ÿ¸¥¸ í¾) statutory amendment(s), modification(s), variation(s) or
ˆ½Å ‚›¸º¬¸£µ¸ Ÿ¸Ê ÷¸˜¸¸ ›¸¸Ÿ¸¸¿ˆÅ›¸ ‡¨¸¿ œ¸¸¢£ª¢Ÿ¸ˆÅ ¬¸¢Ÿ¸¢÷¸ (‡›¸‚¸£¬¸ú) ‚¸¾£ re-enactment(s) thereof, for the time being in force) and
¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅú ‚›¸º©¸¿¬¸¸ ˆ½Å ‚›¸º¬¸£µ¸ Ÿ¸Ê, ªú ¬¸º¢Ÿ¸÷¸ ûÅƈŸ pursuant to recommendation by the Nomination and
(”ú‚¸ƒÄ‡›¸À 08259618) ˆÅ¸½ ¤¸ÿˆÅ ˆ½Å „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê, ¸¸½ Remuneration Committee (NRC) and the Board of Directors
of the Bank, approval of members of the Bank, be and is
‚¸¨¸÷¸Ä›¸ ‚¸š¸¸£ œ¸£ ¬¸½¨¸¸¢›¸¨¸¼¢î¸ ˆ½Å ¢¥¸‡ ™¸¡¸ú í¸ÊŠ¸½, ¤¸ÿˆÅ Ÿ¸Ê ”ú‡Ÿ¸”ú ˆ½Å ³Åœ¸
hereby accorded to the appointment of Shri Sumit Phakka
Ÿ¸Ê ˆÅ¸¡¸Äž¸¸£ ŠÏíµ¸ ˆÅ£›¸½ ˆÅú ÷¸¸£ú‰¸ ¬¸½ 3 ¨¸«¸¸½ô ˆÅú ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ¢›¸¡¸º¢Æ÷¸ (DIN: 08259618) as Deputy Managing Director (DMD) of
ˆÅ¸½ ¤¸ÿˆÅ ˆ½Å ¬¸™¬¡¸¸Ê ׸£¸ ‚›¸ºŸ¸¸½™›¸ œÏ™¸›¸ ¢ˆÅ¡¸¸ ¸¸¡¸½ ÷¸˜¸¸ ‡÷¸™Ã׸£¸ the Bank, liable to retire by rotation, for a period of three
‚›¸ºŸ¸¸½™›¸ œÏ™¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾, ¢¸¬¸ˆÅ¸ ‚›¸ºŸ¸¸½™›¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ 31 years commencing from the date of his taking charge as
Ÿ¸ƒÄ 2024 ˆ½Å ‚œ¸›¸½ œ¸°¸ ׸£¸ ‚¸¾£ ¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ׸£¸ 1 ¸»›¸ DMD of the Bank, as approved by the RBI vide their letter
2024 ˆÅ¸½ œ¸¸¢£ª¢Ÿ¸ˆÅ ¬¸¢í÷¸ ‡½¬¸ú ©¸÷¸¸½ô œ¸£ ‚›¸ºŸ¸¸½™›¸ œÏ™¸›¸ ¢ˆÅ¡¸¸ í¾ ¸¸½ dated May 31, 2024 and by the Board of Directors of the
Bank on June 01, 2024, on such terms and conditions
‡¸ú‡Ÿ¸ ˆ½Å ›¸¸½¢’¬¸ ˆ½Å ƒ¬¸ ¬¸¿ˆÅ¥œ¸ ˆ½Å ¨¡¸¸‰¡¸¸÷Ÿ¸ˆÅ ¢¨¸¨¸£µ¸ Ÿ¸Ê ¢›¸¢™Ä«’ ¢ˆÅ¡¸¸ including remuneration as set out in the explanatory
Š¸¡¸¸ í¾.'' statement to this resolution of the AGM Notice.”
``¡¸í ž¸ú ¬¸¿ˆÅ¥œ¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢ˆÅ ¤¸¸½”Ä ¡¸¸ „¬¸ˆÅú ¢ˆÅ¬¸ú ¬¸¢Ÿ¸¢÷¸ ˆÅ¸½ “RESOLVED FURTHER THAT the Board or any
œ¸»µ¸ÄˆÅ¸¢¥¸ˆÅ ¢›¸™½©¸ˆÅ¸Ê ˆÅ¸½ ™½¡¸ œ¸¸¢£ª¢Ÿ¸ˆÅ ˆÅ¸½ ¤¸ÿˆÅ Ÿ¸Ê „›¸ˆ½Å ˆÅ¸¡¸ÄˆÅ¸¥¸ ˆ½Å Committee thereof, be and is hereby authorised to revise
™¸¾£¸›¸ ¬¸¿©¸¸½¢š¸÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‚¢š¸ˆ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸¡¸½ ‚¸¾£ ‡÷¸™Ã׸£¸ ¢ˆÅ¡¸¸ the remuneration payable to the Whole Time Directors,
¸¸÷¸¸ í¾ ¸¸½ ¢£{¸¨¸Ä ¤¸ÿˆÅ ¬¸½ ƒ¬¸ ¬¸¿¤¸¿š¸ Ÿ¸Ê ¨¸¸¢«¸ÄˆÅ ‚¸š¸¸£ œ¸£ œÏ¸œ÷¸ ‚›¸ºŸ¸¸½™›¸ during their tenure in the Bank, subject to the approval
received in this regard annually from the RBI.”
ˆ½Å ‚š¸ú›¸ í¸½Š¸¸."
``¡¸í ž¸ú ¬¸¿ˆÅ¥œ¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢ˆÅ ¤¸ÿˆÅ ˆ½Å ˆ¿Åœ¸›¸ú ¬¸¢¸¨¸ ˆÅ¸½ ‡½¬¸½ “RESOLVED FURTHER THAT the Company Secretary
of the Bank be and is hereby authorized to execute
¬¸ž¸ú ˆÅ£¸£¸Ê, ™¬÷¸¸¨¸½¸¸Ê, ¢¥¸‰¸÷¸¸Ê ‚¸¾£ ¢¥¸‰¸¸¨¸’¸Ê ˆÅ¸½ ¢›¸«œ¸¸¢™÷¸ ˆÅ£›¸½, ¢¸›íÊ
all such agreements, documents, instruments and
‚¸¨¸©¡¸ˆÅ ¬¸Ÿ¸¸¸ ¸¸‡, ¬¸¸¿¢¨¸¢š¸ˆÅ/¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ œÏ¸¢š¸ˆÅ£µ¸¸Ê ˆ½Å œ¸¸¬¸ ‚œ¸½¢®¸÷¸ writings as deemed necessary, to file requisite forms or
ûŸÁŸ¸Ä ¡¸¸ ‚¸¨¸½™›¸ ™¸¢‰¸¥¸ ˆÅ£›¸½ ÷¸˜¸¸ ‡½¬¸½ ¬¸ž¸ú ˆÅ¸¡¸Ä, ¢¨¸¥¸½‰¸, Ÿ¸¸Ÿ¸¥¸½ ‚¸¾£ applications with statutory/regulatory authorities and to
¸ú¸Ê ˆÅ£›¸½, ¢¸›íÊ ƒ¬¸ ¬¸¿ˆÅ¥œ¸ ˆÅ¸½ œÏž¸¸¨¸ú ¤¸›¸¸›¸½ ˆ½Å ¢¥¸‡ ‚¸¨¸©¡¸ˆÅ ‚¸¾£ do all such acts, deeds, matters and things as may be
„¢¸÷¸ ¬¸Ÿ¸¸¸ ¸¸‡, ˆ½Å ¢¥¸‡ ‚¢š¸ˆ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸¡¸½ ‚¸¾£ ‡÷¸™Ã׸£¸ ¢ˆÅ¡¸¸ considered necessary and appropriate to give effect to this
Resolution.”
¸¸÷¸¸ í¾.''

4
9. ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ¬¸¿ˆÅ¥œ¸ œ¸£ ¢¨¸¸¸£ ˆÅ£›¸¸ ÷¸˜¸¸ ¡¸¢™ „œ¸¡¸ºÆ÷¸ ¬¸Ÿ¸¸¸ ¸¸‡ ÷¸¸½ 9. To consider and, if thought fit, to pass the following
resolution as Special Resolution:
„¬¸½ ¢¨¸©¸½«¸ ¬¸¿ˆÅ¥œ¸ ˆ½Å ³Åœ¸ Ÿ¸Ê œ¸¸¢£÷¸ ˆÅ£›¸¸À
“RESOLVED THAT pursuant to the provisions of
"¬¸¿ˆÅ¥œ¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢ˆÅ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ Sections 149, 150, 152, 160 & Schedule IV and other
149, 150, 152, 160 ‚¸¾£ ‚›¸º¬¸»¸ú IV ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ‚¸¾£ ‚›¡¸ ¥¸¸Š¸» applicable provisions, if any, of the Companies Act,
œÏ¸¨¸š¸¸›¸¸Ê, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ „¬¸ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¤¸›¸¸‡ Š¸‡ œÏ¸¬¸¿¢Š¸ˆÅ 2013 read with the relevant Rules made thereunder
¢›¸¡¸Ÿ¸¸Ê (‚¢š¸¢›¸¡¸Ÿ¸), ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸ ‚¸¾£ ¢¨¸¢›¸Ÿ¸¡¸ ¤¸¸½”Ä (¬¸»¸ú¤¸Ö÷¸¸ (the “Act”), the provisions of Regulations 16, 17 & 25
of the Securities and Exchange Board of India (Listing
¤¸¸š¡¸÷¸¸‡¿ ‚¸¾£ œÏˆÅ’úˆÅ£µ¸ ‚œ¸½®¸¸‡Â) ¢¨¸¢›¸¡¸Ÿ¸, 2015 (¬¸½¤¸ú ¬¸»¸ú¤¸Ö÷¸¸
Obligations and Disclosure Requirements) Regulations,
ˆ½Å ¢¨¸¢›¸¡¸Ÿ¸) ˆ½Å ¢¨¸¢›¸¡¸Ÿ¸ 16, 17 ‚¸¾£ 25 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê, ¤¸ÿ¢ˆ¿ÅŠ¸ ¢¨¸¢›¸¡¸Ÿ¸›¸ 2015 (the “SEBI Listing Regulations”), Section 10A(2)(a)
‚¢š¸¢›¸¡¸Ÿ¸, 1949 ˆÅú š¸¸£¸ 10‡(2)(‡) ‚¸¾£ ‚›¡¸ œÏ¸¬¸¿¢Š¸ˆÅ œÏ¸¨¸š¸¸›¸¸Ê and other relevant provisions of the Banking Regulation
÷¸˜¸¸ ƒ¬¸ ¬¸¿¤¸¿š¸ Ÿ¸Ê ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ (¢£{¸¨¸Ä ¤¸ÿˆÅ) ׸£¸ Act, 1949, and the rules, guidelines and circulars issued
¸¸£ú ¢›¸¡¸Ÿ¸¸Ê, ¢™©¸¸¢›¸™½Ä©¸¸Ê ‡¨¸¿ œ¸¢£œ¸°¸¸Ê ‚¸¾£ ¢ˆÅ¬¸ú ž¸ú ‚›¡¸ ¥¸¸Š¸» ˆÅ¸›¸»›¸¸Ê by the Reserve Bank of India (the “RBI”), in this regard,
from time to time and any other applicable laws (including
(¢¸¬¸Ÿ¸Ê ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸Ê ¥¸¸Š¸» ˆÅ¸½ƒÄ ¬¸¸¿¢¨¸¢š¸ˆÅ ¬¸¿©¸¸½š¸›¸(›¸¸Ê), ‚¸©¸¸½š¸›¸(›¸¸Ê),
any statutory amendment(s), modification(s), variation(s)
¢¨¸¸£µ¸(µ¸¸Ê) ¡¸¸ „¬¸Ÿ¸Ê œ¸º›¸À ‚¢š¸¢›¸¡¸Ÿ¸›¸ ©¸¸¢Ÿ¸¥¸ íÿ) ˆ½Å ‚›¸º¬¸¸£, or re-enactment(s) thereto, for the time being in force),
‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” (¤¸ÿˆÅ) ˆ½Å ¬¸¿¬˜¸¸ ˆ½Å ‚¿÷¸¢›¸Ä¡¸Ÿ¸ ˆ½Å œÏ¸¨¸š¸¸›¸ the provisions of the Articles of Association of IDBI Bank
÷¸˜¸¸ ›¸¸Ÿ¸¸¿ˆÅ›¸ ‡¨¸¿ œ¸¸¢£ª¢Ÿ¸ˆÅ ¬¸¢Ÿ¸¢÷¸ ‚¸¾£ ¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅú Limited (the “Bank”) and pursuant to the recommendation
¢¬¸ûŸ¢£©¸ ˆ½Å ‚›¸º¬¸¸£, ªúŸ¸÷¸ú œ¸ú.¨¸ú. ž¸¸£÷¸ú (”ú‚¸ƒÄ‡›¸ 06519925) of the Nomination and Remuneration Committee and the
Board of Directors of the Bank, Smt. P.V. Bharathi (DIN
¢¸›¸ˆÅ¸ ¤¸ÿˆÅ ˆ½Å ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê œ¸í¥¸¸ ˆÅ¸¡¸ÄˆÅ¸¥¸ 13 ¸›¸¨¸£ú
06519925) whose first term as an Independent Director of
2025 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ í¸½›¸½ ¨¸¸¥¸¸ í¾ ‚¸¾£ ¸¸½ ‚¢š¸¢›¸¡¸Ÿ¸ ˆÅú š¸¸£¸ 149(6) the Bank is due to expire on January 13, 2025 and who
‚¸¾£ ¬¸½¤¸ú ¬¸»¸ú¤¸Ö÷¸¸ ¢¨¸¢›¸¡¸Ÿ¸¸Ê ˆ½Å ¢¨¸¢›¸¡¸Ÿ¸›¸ 16(1)(¤¸ú) ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê meets the criteria of independence as prescribed under the
ˆ½Å ÷¸í÷¸ ¢›¸š¸¸Ä¢£÷¸ ¬¨¸÷¸¿°¸÷¸¸ ˆ½Å Ÿ¸¸›¸™¿”¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£÷¸ú íÿ ‚¸¾£ ¸¸½ œ¸¸°¸ provisions of Section 149(6) of the Act and Regulation 16(1)
í¸½›¸½ ˆ½Å ˆÅ¸£µ¸ ¤¸ÿˆÅ ˆ½Å ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê œ¸º›¸¢›¸Ä¡¸º¢Æ÷¸ ˆ½Å ¢¥¸‡ ¬¨¸¡¸¿ (b) of the SEBI Listing Regulations and who being eligible
has offered herself for re-appointment as an Independent
œÏ¬÷¸¸¨¸ ¢ˆÅ¡¸¸ í¾, ªúŸ¸÷¸ú œ¸ú.¨¸ú. ž¸¸£÷¸ú ˆÅ¸½ ¤¸ÿˆÅ ˆ½Å ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ˆ½Å ³Åœ¸
Director of the Bank, the approval of the members of
Ÿ¸Ê œ¸º›¸¢›¸Ä¡¸º¢Æ÷¸ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆ½Å ¬¸™¬¡¸¸Ê ׸£¸ ‚›¸ºŸ¸¸½™›¸ ¢ˆÅ¡¸¸ ¸¸¡¸½ ‚¸¾£ the Bank, be and is hereby accorded for reappointment
‡÷¸™×¸£¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾, ¸¸½ ‚¸¨¸÷¸Ä›¸ ¬¸½ ¬¸½¨¸¸¢›¸¨¸¼î¸ í¸½›¸½ ˆ½Å ¢¥¸‡ „™¸¡¸ú of Smt. P.V. Bharathi as an Independent Director of the
›¸íú¿ íÿ, ¥¸Š¸¸÷¸¸£ ¸¸£ ¬¸¸¥¸ ˆÅú ™»¬¸£ú ‚¨¸¢š¸ 14 ¸›¸¨¸£ú 2025 ¬¸½ œÏž¸¸¨¸ú Bank, not liable to retire by rotation, for second term of four
í¸½Š¸ú. consecutive years, with effect from January 14, 2025.”

“RESOLVED FURTHER THAT the Company Secretary of

"¡¸í ž¸ú ¬¸¿ˆÅ¥œ¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢ˆÅ ¤¸ÿˆÅ ˆ½Å ˆ¿Åœ¸›¸ú ¬¸¢¸¨¸ ˆÅ¸½ ‡½¬¸½ ¬¸ž¸ú
the Bank be and is hereby authorized to execute all such
ˆÅ£¸£¸Ê, ™¬÷¸¸¨¸½¸¸Ê, ¢¥¸‰¸÷¸¸Ê ‚¸¾£ ¢¥¸‰¸¸¨¸’¸Ê ˆÅ¸½ ¢›¸«œ¸¸¢™÷¸ ˆÅ£›¸½, ¢¸›íÊ agreements, documents, instruments and writings as
‚¸¨¸©¡¸ˆÅ ¬¸Ÿ¸¸¸ ¸¸‡, ¬¸¸¿¢¨¸¢š¸ˆÅ/¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ œÏ¸¢š¸ˆÅ£µ¸¸Ê ˆ½Å œ¸¸¬¸ ‚œ¸½¢®¸÷¸ deemed necessary, to file requisite forms or applications
ûŸÁŸ¸Ä ¡¸¸ ‚¸¨¸½™›¸ ™¸¢‰¸¥¸ ˆÅ£›¸¸ ÷¸˜¸¸ ‡½¬¸½ ¬¸ž¸ú ˆÅ¸¡¸Ä, ¢¨¸¥¸½‰¸, Ÿ¸¸Ÿ¸¥¸½ ‚¸¾£ with statutory/regulatory authorities and to do all such
¸ú¸Ê ˆÅ£›¸¸, ¢¸›íÊ ƒ¬¸ ¬¸¿ˆÅ¥œ¸ ˆÅ¸½ œÏž¸¸¨¸ú ¤¸›¸¸›¸½ ˆ½Å ¢¥¸‡ ‚¸¨¸©¡¸ˆÅ ‚¸¾£ acts, deeds, matters and things as may be considered
necessary and appropriate to give effect to this Resolution.”
„¢¸÷¸ ¬¸Ÿ¸¸¸ ¸¸‡, ˆ½Å ¢¥¸‡ ‚¢š¸ˆ¼Å÷¸ ¢ˆÅ¡¸¸ ¸¸¡¸½ ‚¸¾£ ‡÷¸™Ã׸£¸ ¢ˆÅ¡¸¸
¸¸÷¸¸ í¾."
¤¸¸½”Ä ˆ½Å ‚¸™½©¸ ¬¸½ By Order of the Board
ˆ¼Å÷¸½ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” For IDBI Bank Limited
£¸ˆ½Å©¸ ©¸Ÿ¸¸Ä Rakesh Sharma
‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ MD & CEO
”ú‚¸ƒÄ‡›¸À 06846594 DIN: 06846594

œ¸¿¸úˆ¼Å÷¸ ˆÅ¸¡¸¸Ä¥¸¡¸À Registered Office:

‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸. IDBI Bank Limited
‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’¸Á¨¸£, ”¤¥¡¸»’ú¬¸ú ˆÅ¸ÁŸœ¥¸½Æ¬¸, IDBI Tower, WTC Complex,
ˆÅûÅ œ¸£½”, Cuffe Parade,
Mumbai-400 005
Ÿ¸º¿¤¸ƒÄ- 400005.
Dated: June 24, 2024
¢™›¸¸¿ˆÅÀ 24 ¸»›¸ 2024

5
¢’œœ¸¢µ¸¡¸¸¿ À NOTES:
1. Explanatory Statements in respect of each Special
1. ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 102 ˆ½Å ‚¿÷¸Š¸Ä÷¸ œÏ÷¡¸½ˆÅ ¢¨¸©¸½«¸ ˆÅ¸£¸½¤¸¸£ Business under Section 102 of the Companies Act, 2013
ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¨¡¸¸‰¡¸¸÷Ÿ¸ˆÅ ¢¨¸¨¸£µ¸ ƒ¬¸ˆ½Å ¬¸¸˜¸ ¬¸¿¥¸Š›¸ í¾. are annexed herewith.
2. ˆÅ¸Á£œ¸¸½£½’ Ÿ¸¸Ÿ¸¥¸¸Ê ˆ½Å Ÿ¸¿°¸¸¥¸¡¸ (‡Ÿ¸¬¸ú‡) ˆ½Å ¢™›¸¸¿ˆÅ 25 ¢¬¸÷¸¿¤¸£ 2023 2. In terms of Circular no. 09/2023 dated September 25,
ˆ½Å œ¸¢£œ¸°¸ ¬¸¿‰¡¸¸ 09/2023 ׸£¸ ¸¸£ú ¬¸ž¸ú œ¸»¨¸Ä œ¸¢£œ¸°¸¸Ê ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ 2023 read with all earlier Circulars issued by the Ministry
÷¸˜¸¸ ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸ ‚¸¾£ ¢¨¸¢›¸Ÿ¸¡¸ ¤¸¸½”Ä (¬¸½¤¸ú) ˆ½Å ¢™›¸¸¿ˆÅ 07 ‚Æ÷¸»¤¸£ of Corporate Affairs (MCA) and Circular No. SEBI/HO/
CFD/CFD-PoD-2/P/CIR/2023/167 dated October 07,
2023 ˆ½Å œ¸¢£œ¸°¸ ¬¸¿‰¡¸¸ ¬¸½¤¸ú/‡¸‚¸½/¬¸ú‡ûÅ”ú/¬¸ú‡ûÅ”ú-œ¸ú‚¸½”ú-2/ 2023 read with all earlier Circulars issued by Securities &
œ¸ú/¬¸ú‚¸ƒÄ‚¸£/2023/167 ׸£¸ ¸¸£ú ¬¸ž¸ú œ¸»¨¸Ä œ¸¢£œ¸°¸¸Ê ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ Exchange Board of India (SEBI), members can attend and
‚›¸º¬¸¸£, ¬¸™¬¡¸ ˆ½Å¨¸¥¸ ¨¸ú¬¸ú/‚¸½‡¨¸ú‡Ÿ¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ‚¸Š¸¸Ÿ¸ú ‡¸ú‡Ÿ¸ Ÿ¸Ê participate in the ensuing AGM through VC/OAVM only.
©¸¸¢Ÿ¸¥¸ ‡¨¸¿ ¬¸íž¸¸¢Š¸÷¸¸ ˆÅ£ ¬¸ˆÅ÷¸½ íÿ. ¤¸ÿˆÅ ˆÅ¸ œ¸¿¸úˆ¼Å÷¸ ˆÅ¸¡¸¸Ä¥¸¡¸ ‡¸ú‡Ÿ¸ The Registered office of the Bank shall be deemed to be
the venue for AGM. Further the Notice of AGM along with
ˆ½Å ¢¥¸‡ ¬˜¸¸›¸ Ÿ¸¸›¸¸ ¸¸‡Š¸¸. ƒ¬¸ˆ½Å ‚¢÷¸¢£Æ÷¸, ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆÅú Annual Report for FY 2023-24 is being sent by electronic
¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä ˆ½Å ¬¸¸˜¸ ‡¸ú‡Ÿ¸ ˆÅú ¬¸»¸›¸¸ ƒ¥¸½Æ’ï¸Á¢›¸ˆÅ Ÿ¸¸½” ׸£¸ „›¸ ¬¸™¬¡¸¸Ê mode to those Members whose e-mail addresses are
ˆÅ¸½ ž¸½¸ú ¸¸ £íú í¾, ¢¸›¸ˆ½Å ƒÄ-Ÿ¸½¥¸ œ¸÷¸½ ©¸ºÇŨ¸¸£, 21 ¸»›¸, 2024 ÷¸ˆÅ registered with KFin Technologies Limited (RTA of the
ˆ½Å¢ûÅ›¸ ’½Æ›¸¸½¥¸¸Á¸ú¬¸ ¢¥¸¢Ÿ¸’½” (¤¸ÿˆÅ ˆÅ¸ ‚¸£’ú‡)/›¸½©¸›¸¥¸ ¢¬¸Æ¡¸¸½¢£’ú¸ Bank)/ National Securities Depository Limited (NSDL) and
Central Depository Services India Limited (CDSL) as on
¢”œ¸¸Á¢¸’£ú ¢¥¸¢Ÿ¸’½” (‡›¸‡¬¸”ú‡¥¸) ‚¸¾£ ¬¸Ê’兩 ¢”œ¸¸Á¢¸’£ú ¬¸¢¨¸Ä¬¸½¸ Friday, June 21, 2024.
ƒ¿¢”¡¸¸ ¢¥¸¢Ÿ¸’½” (¬¸ú”ú‡¬¸‡¥¸) ˆ½Å œ¸¸¬¸ œ¸¿¸úˆ¼Å÷¸ íÿ.
3. Pursuant to the Circular No 09/2023 dated September 25,
3. ‡Ÿ¸¬¸ú‡ ׸£¸ ¸¸£ú ¢™›¸¸¿ˆÅ 25 ¢¬¸÷¸¿¤¸£ 2023 ˆ½Å œ¸¢£œ¸°¸ ˆ½Å ¬¸¿. 09/2023 2023 read with Circular No. 10/2022 dated December 28,
ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ ¢™›¸¸¿ˆÅ 28 ¢™¬¸¿¤¸£ 2022 ˆ½Å œ¸¢£œ¸°¸ ¬¸¿.10/2022 ˆ½Å 2022, issued by the MCA, the facility to appoint proxy to
‚›¸º¬¸£µ¸ Ÿ¸Ê, ƒ¬¸ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ¬¸™¬¡¸¸Ê ˆÅ¸½ „œ¸¦¬˜¸÷¸ í¸½›¸½ ‚¸¾£ Ÿ¸÷¸™¸›¸ attend and cast vote for the members is not available for
ˆÅ£›¸½ ˆ½Å ¢¥¸‡ œÏ¸ÁƬ¸ú ¢›¸¡¸ºÆ÷¸ ˆÅ£›¸½ ˆÅú ¬¸º¢¨¸š¸¸ „œ¸¥¸¤š¸ ›¸íú¿ í¾. ÷¸˜¸¸¢œ¸, this AGM. However, the Body Corporates are entitled to
ˆÅ¸Á£œ¸¸½£½’ ¢›¸ˆÅ¸¡¸ ¨¸ú¬¸ú/‚¸½‡¨¸ú‡Ÿ¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ž¸¸Š¸ appoint Authorised Representatives to attend the AGM
through VC/OAVM and participate and cast their votes
¥¸½›¸½ ˆ½Å ¢¥¸‡ ‚œ¸›¸½ œÏ¸¢š¸ˆ¼Å÷¸ œÏ¢÷¸¢›¸¢š¸ ¢›¸¡¸ºÆ÷¸ ˆÅ£›¸½, ¬¸íž¸¸¢Š¸÷¸¸ ˆÅ£›¸½ ‚¸¾£ through e-Voting.
ƒÄ-¨¸¸½¢’¿Š¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ‚œ¸›¸¸ Ÿ¸÷¸™¸›¸ ˆÅ£›¸½ ˆ½Å íˆÅ™¸£ íÿ.
4. The Members can join the AGM in the VC/OAVM mode
4. ¬¸™¬¡¸, ›¸¸½¢’¬¸ Ÿ¸Ê „¦¥¥¸¢‰¸÷¸ œÏ¢ÇÅ¡¸¸ ˆÅ¸ œ¸¸¥¸›¸ ˆÅ£÷¸½ íº‡ ¤¸¾“ˆÅ ‚¸£¿ž¸ í¸½›¸½ 30 minutes before and after the scheduled time of the
ˆ½Å ¢¥¸‡ ¢›¸š¸¸Ä¢£÷¸ ¬¸Ÿ¸¡¸ ¬¸½ 30 ¢Ÿ¸›¸’ œ¸í¥¸½ ‚¸¾£ ¤¸¸™ Ÿ¸Ê ¨¸ú¬¸ú/‚¸½‡¨¸ú‡Ÿ¸ ˆ½Å commencement of the Meeting by following the procedure
Ÿ¸¸š¡¸Ÿ¸ ¬¸½ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ¬¸íž¸¸¢Š¸÷¸¸ ˆÅ£ ¬¸ˆÅ÷¸½ íÿ. ¨¸ú¬¸ú/‚¸½‡¨¸ú‡Ÿ¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ mentioned in the Notice. The facility of participation at
the AGM through VC/OAVM will be made available for
¬¸½ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ¬¸íž¸¸¢Š¸÷¸¸ ˆÅ£›¸½ ˆÅú ¬¸º¢¨¸š¸¸ 1000 ¬¸™¬¡¸¸Ê ˆÅ¸½ œ¸í¥¸½ 1000 members on first come first served basis. This will
‚¸‡¿ œ¸í¥¸½ œ¸¸‡¿ ‚¸š¸¸£ œ¸£ „œ¸¥¸¤š¸ ˆÅ£¸ƒÄ ¸¸‡Š¸ú. ƒ¬¸Ÿ¸Ê ¤¸”õ½ ©¸½¡¸£š¸¸£ˆÅ not include large Shareholders (Shareholders holding 2%
(2% ¡¸¸ ƒ¬¸¬¸½ ‚¢š¸ˆÅ ˆÅú ©¸½¡¸£š¸¸¢£÷¸¸ £‰¸›¸½¨¸¸¥¸½ ©¸½¡¸£š¸¸£ˆÅ), œÏ¨¸÷¸ÄˆÅ, or more shareholding), Promoters, Institutional Investors,
Directors, Key Managerial Personnel, the Chairpersons
¬¸¿¬˜¸¸Š¸÷¸ ¢›¸¨¸½©¸ˆÅ, ¢›¸™½©¸ˆÅ, Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ, ¥¸½‰¸¸ œ¸£ú®¸¸ of the Audit Committee, Nomination and Remuneration
¬¸¢Ÿ¸¢÷¸, ›¸¸Ÿ¸¸¿ˆÅ›¸ ‡¨¸¿ œ¸¸¢£ª¢Ÿ¸ˆÅ ¬¸¢Ÿ¸¢÷¸ ‚¸¾£ ¬’½ˆÅš¸¸£ˆÅ ¬¸¿¤¸¿š¸ ¬¸¢Ÿ¸¢÷¸ ˆ½Å Committee and Stakeholders Relationship Committee,
‚š¡¸®¸, ¥¸½‰¸¸ œ¸£ú®¸ˆÅ ‚¸¢™ ©¸¸¢Ÿ¸¥¸ ›¸íú¿ íÿ) ¢¸›íÊ œ¸í¥¸½ ‚¸‡¿ œ¸í¥¸½ œ¸¸‡¿ Auditors etc) who are allowed to attend the AGM without
restriction on account of first come first served basis.
‚¸š¸¸£ ¬¸¿¤¸¿š¸ú œÏ¢÷¸¤¸¿š¸ ˆ½Å ¢¤¸›¸¸ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ž¸¸Š¸ ¥¸½›¸½ ˆÅú ‚›¸ºŸ¸¢÷¸ í¾.
5. The attendance of the Members attending the AGM through
5. ¨¸ú¬¸ú/‚¸½‡¨¸ú‡Ÿ¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ¬¸íž¸¸¢Š¸÷¸¸ ˆÅ£›¸½ ¨¸¸¥¸½ VC/OAVM will be counted for the purpose of reckoning the
¬¸™¬¡¸¸Ê ˆÅú „œ¸¦¬˜¸¢÷¸ ˆÅú ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 103 ˆ½Å quorum under Section 103 of the Companies Act, 2013.
‚¿÷¸Š¸Ä÷¸ ˆÅ¸½£Ÿ¸ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ˆÅ£›¸½ ˆ½Å œÏ¡¸¸½¸›¸ í½÷¸º Š¸µ¸›¸¸ ˆÅú ¸¸‡Š¸ú.
6. Pursuant to the provisions of Section 108 of the
6. ˆ¿Åœ¸›¸ú (œÏ¤¸¿š¸ ‡¨¸¿ œÏ©¸¸¬¸›¸) ¢›¸¡¸Ÿ¸¸¨¸¥¸ú, 2014 (¡¸˜¸¸ ¬¸¿©¸¸½¢š¸÷¸) ˆ½Å ¢›¸¡¸Ÿ¸ Companies Act, 2013 read with Rule 20 of the Companies
20 ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 108 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê (Management and Administration) Rules, 2014 (as
÷¸˜¸¸ ¬¸½¤¸ú ¬¸»¸ú¤¸Ö÷¸¸ ¢¨¸¢›¸¡¸Ÿ¸ (¡¸˜¸¸ ¬¸¿©¸¸½¢š¸÷¸) ˆ½Å ¢¨¸¢›¸¡¸Ÿ¸ 44 ‚¸¾£ amended) and Regulation 44 of SEBI Listing Regulations
(as amended) and the Circulars issued by the MCA dated
‡Ÿ¸¬¸ú‡ ׸£¸ ¸¸£ú 05 Ÿ¸ƒÄ 2022, 13 ¸›¸¨¸£ú 2021, 08 ‚œÏ¾¥¸ 2020, September 25, 2023, December 28, 2022 read with May
13 ‚œÏ¾¥¸ 2020 ‚¸¾£ 5 Ÿ¸ƒÄ 2020 ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ 25 ¢¬¸÷¸¿¤¸£ 2023, 28 05, 2022, January 13, 2021, April 08, 2020, April 13,
¢™¬¸Ÿ¤¸£ 2022 ˆ½Å œ¸¢£œ¸°¸¸Ê ˆ½Å ‚›¸º¬¸£µ¸ Ÿ¸Ê ¤¸ÿˆÅ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ¬¸¿œ¸››¸ 2020 and May 05, 2020, the Bank is providing facility of
¢ˆÅ‡ ¸¸›¸½ ¨¸¸¥¸½ ˆÅ¸£¸½¤¸¸£ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚œ¸›¸½ ¬¸™¬¡¸¸Ê ˆÅ¸½ ¢£Ÿ¸¸½’ ƒÄ-¨¸¸½¢’¿Š¸ remote e-Voting to its Members in respect of the business
to be transacted at the AGM. For this purpose, the Bank
ˆÅú ¬¸º¢¨¸š¸¸ „œ¸¥¸¤š¸ ˆÅ£¸ £í¸ í¾. ¤¸ÿˆÅ ›¸½ ƒ¬¸ œÏ¡¸¸½¸›¸ ˆ½Å ¢¥¸‡ ƒ¥¸½Æ’ï¸Á¢›¸ˆÅ has entered into an agreement with National Securities
Ÿ¸¸š¡¸Ÿ¸¸Ê ˆ½Å ¸¢£‡ ¨¸¸½¢’¿Š¸ ˆÅú ¬¸º¢¨¸š¸¸ œÏ™¸›¸ ˆÅ£›¸½ í½÷¸º œÏ¸¢š¸ˆ¼Å÷¸ ‡¸Ê¬¸ú ˆ½Å Depository Limited (NSDL) for facilitating voting through
³Åœ¸ Ÿ¸Ê ›¸½©¸›¸¥¸ ¢¬¸Æ¡¸º¢£’ú¸ ¢”œ¸¸Á¢¸’£ú ¢¥¸¢Ÿ¸’½” (‡›¸‡¬¸”ú‡¥¸) ˆ½Å ¬¸¸˜¸ electronic means, as the authorized agency. The facility of
ˆÅ£¸£ ¢ˆÅ¡¸¸ í¾. ¬¸™¬¡¸ ׸£¸ ¢£Ÿ¸¸½’ ƒÄ-¨¸¸½¢’¿Š¸ œÏµ¸¸¥¸ú ˆÅ¸ œÏ¡¸¸½Š¸ ˆÅ£ Ÿ¸÷¸™¸›¸ casting votes by a member using remote e-voting system
as well as e-voting on the date of the AGM will be provided
ˆÅ£›¸½ ˆÅú ¬¸º¢¨¸š¸¸ ‚¸¾£ ¬¸¸˜¸ íú ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ ˆ½Å ¢™›¸ ƒÄ-¨¸¸½¢’¿Š¸ ˆÅú ¬¸º¢¨¸š¸¸ by NSDL.
‡›¸‡¬¸”ú‡¥¸ ׸£¸ „œ¸¥¸¤š¸ ˆÅ£¸ƒÄ ¸¸‡Š¸ú.
7. In line with the MCA Circular No. 09/2023 dated September
7. ‡Ÿ¸¬¸ú‡ ˆ½Å ¢™›¸¸¿ˆÅ 13 ‚œÏ¾¥¸ 2020 ˆ½Å œ¸¢£œ¸°¸ ¬¸¿. 17/2020 ˆ½Å ¬¸¸˜¸ 25, 2023 read with Circular No. 17/2020 dated April 13,
œ¸¢“÷¸ 25 ¢¬¸÷¸¿¤¸£ 2023 ˆ½Å œ¸¢£œ¸°¸ ¬¸¿. 09/2023 ˆ½Å ‚›¸º³Åœ¸ ¨¸¸¢«¸ÄˆÅ 2020, the Notice calling the AGM has been uploaded on
Ÿ¸í¸¬¸ž¸¸ ˆ½Å ‚¸¡¸¸½¸›¸ ˆÅ¸ ›¸¸½¢’¬¸ ¤¸ÿˆÅ ˆÅú ¨¸½¤¸¬¸¸ƒ’ www.idbibank. the website of the Bank at www.idbibank.in. The AGM
in œ¸£ ‚œ¸¥¸¸½” ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ ˆÅ¸ ¡¸í ›¸¸½¢’¬¸ ¬’¸ÁˆÅ Notice can also be accessed from the websites of the Stock
‡Æ¬¸¸Ê¸¸Ê ‚˜¸¸Ä÷¸ ¤¸ú‡¬¸ƒÄ ¢¥¸¢Ÿ¸’½” ‚¸¾£ ›¸½©¸›¸¥¸ ¬’¸ÁˆÅ ‡Æ¬¸¸Ê¸ ‚¸ÁûÅ Exchanges i.e. BSE Limited and National Stock Exchange

6
 ƒ¿¢”¡¸¸ ¢¥¸¢Ÿ¸’½” ˆÅú ¨¸½¤¸¬¸¸ƒ’¸Ê ÇÅŸ¸©¸À www.bseindia.com ÷¸˜¸¸ of India Limited at www.bseindia.com and www.nseindia.
www.nseindia.com ‚¸¾£ ‡›¸‡¬¸”ú‡¥¸ (¢£Ÿ¸¸½’ ƒÄ-¨¸¸½¢’¿Š¸ ¬¸º¢¨¸š¸¸ com respectively and on the website of NSDL (agency for
„œ¸¥¸¤š¸ ˆÅ£¸›¸½¨¸¸¥¸ú ‡¸Ê¬¸ú) ˆÅú ¨¸½¤¸¬¸¸ƒ’ ‚˜¸¸Ä÷¸ www.evoting.nsdl. providing the Remote e-Voting facility) i.e. www.evoting.
com œ¸£ ž¸ú ™½‰¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾. nsdl.com .
8. ‚›¸ºŽ½™ 87 ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 8. The quorum for the Annual General Meeting, as provided
103 Ÿ¸Ê ¡¸˜¸¸ „œ¸¤¸¿¢š¸÷¸ ³Åœ¸ Ÿ¸Ê ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ ˆ½Å ¢¥¸‡ ˆÅ¸½£Ÿ¸ in Section 103 of the Companies Act, 2013 read with
¬¸ž¸¸ Ÿ¸½¿ ÷¸ú¬¸ ¬¸™¬¡¸¸Ê (‡¥¸‚¸ƒÄ¬¸ú ˆ½Å ¢¨¸¢š¸¨¸÷¸Ã ³Åœ¸ ¬¸½ œÏ¸¢š¸ˆ¼Å÷¸ Article 87, is thirty members (including a duly authorized
œÏ¢÷¸¢›¸¢š¸ ¬¸¢í÷¸) ˆ½Å ¨¸ú¬¸ú ˆ½Å ¸¢£‡ „œ¸¦¬˜¸÷¸ í¸½›¸½ œ¸£ representative of the LIC) present in the meeting through
œ¸»£¸ í¸½Š¸¸. VC.
9. ©¸½¡¸£š¸¸£ˆÅ¸Ê ¬¸½ ‚›¸º£¸½š¸ í¾ ¢ˆÅ ¨¸½ ©¸½¡¸£ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¢ˆÅ¬¸ú ž¸ú Ÿ¸¸Ÿ¸¥¸½ ˆ½Å 9. Shareholders are requested to contact the Registrar
¢¥¸‡ ¤¸ÿˆÅ ˆ½Å £¢¸¬’︣ ‡¨¸¿ ’︿¬¸ûÅ£ ‡¸Ê’ ‚˜¸¸Ä÷¸Ã ˆ½Å¢ûÅ›¸ ’½Æ›¸¸½¥¸¸Á¸ú¸ & Transfer Agents of the Bank, viz., KFin Technologies
¢¥¸¢Ÿ¸’½”, ¬¸½¥¸½¢›¸¡¸Ÿ¸ ’¸Á¨¸£ ¤¸ú, ƒˆÅ¸ƒÄÀ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ, œ¥¸¸Á’ ¬¸¿. 31- Limited at their address at Selenium Tower B, Unit: IDBI
32, Š¸¸ú¤¸¸¾¥¸ú, ûŸƒ›¸Ê¢©¸¡¸¥¸ ¢”¦¬’ïÆ’, ›¸¸›¸ˆÅ£¸Ÿ¸Š¸º”¸, ¬¸½¢£¢¥¸¿Š¸Ÿ¸œ¸¥¥¸ú, Bank, Plot No.31-32, Gachibowli, Financial District,
Nanakramguda, Serilingampally, Hyderabad – 500 032
í¾™£¸¤¸¸™ - 500 032 [’¸½¥¸ üÅú ›¸¿. - 1800-309-4001, ƒÄŸ¸½¥¸À
[Toll Free No. 1800-309-4001, E-mail: einward.ris@
einward.ris@kfintech.com] ‚˜¸¨¸¸ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” kfintech.com] or the Equity Cell of Board Department of
ˆ½Å œ¸¿¸úˆ¼Å÷¸ ˆÅ¸¡¸¸Ä¥¸¡¸ Ÿ¸Ê ¤¸¸½”Ä ¢¨¸ž¸¸Š¸ ˆ½Å ƒ¦Æ¨¸’ú ˆÅ®¸, 22¨¸ú¿ Ÿ¸¿¢¸¥¸, IDBI Bank Ltd. at its Registered Office at 22nd floor, B Wing,
`¤¸ú' ¢¨¸¿Š¸, ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’¸Á¨¸£, ”¤¥¡¸»’ú¬¸ú ˆÅ¸ÁŸœ¥¸½Æ¬¸, ˆÅûÅ œ¸£½”, IDBI Tower, WTC Complex, Cuffe Parade, Mumbai – 400
Ÿ¸º¿¤¸ƒÄ-400 005 [’½¥¸úûŸ½›¸ ›¸¿. (022) 66553147/3336/ 005 [Tel. No.(022) 66553147/3336/3062/2806, E-mail:
3062/2806, ƒÄŸ¸½¥¸À idbiequity@idbi.co.in] ¬¸½ ¬¸¿œ¸ˆÄÅ ˆÅ£Ê. idbiequity@idbi.co.in] with regard to any share related
10. ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆ½Å ‚›¸º¬¸¸£ ¨¸¸¢«¸Ä½ˆÅ Ÿ¸í¸¬¸ž¸¸ ˆ½Å ™¸¾£¸›¸ ¢›¸£ú®¸µ¸ matter.
ˆ½Å ¢¥¸‡ £¢¸¬’£ ‡›¸‡¬¸”ú‡¥¸ ˆÅú ƒÄ-¨¸¸½¢’¿Š¸ œÏµ¸¸¥¸ú httpsÀ//www. 10. Registers as per Companies Act, 2013 shall be available
evoting.nsdl.com/ œ¸£ ¥¸¸Á¢Š¸›¸ ˆÅ£›¸½ œ¸£ „œ¸¥¸¤š¸ £íÊŠ¸½. for inspection during the AGM upon login at NSDL e-voting
11. ¡¸˜¸¸ ¬¸¿©¸¸½¢š¸÷¸ ˆ¿Åœ¸›¸ú (œÏ¤¸¿š¸ ‡¨¸¿ œÏ©¸¸¬¸›¸) ¢›¸¡¸Ÿ¸¸¨¸¥¸ú, 2014 system at https://www.evoting.nsdl.com/
(¢›¸¡¸Ÿ¸¸¨¸¥¸ú) ˆ½Å ¢›¸¡¸Ÿ¸ 20 ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 11. In terms of the provisions of Section 108 of the Companies
(‚¢š¸¢›¸¡¸Ÿ¸) ˆÅú š¸¸£¸ 108 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚›¸º¬¸¸£À Act, 2013 (the Act) read with Rule 20 of the Companies
(Management and Administration) Rules, 2014 (the Rules)
i) ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ ˆÅú ¬¸»¸›¸¸ Ÿ¸Ê ™ú Š¸ƒÄ ˆÅ¸£¸½¤¸¸£ ˆÅú Ÿ¸™¸Ê œ¸£ ˆÅ¸£Ä¨¸¸ƒÄ as amended :
ƒ¥¸½Æ’ï¸Á¢›¸ˆÅ Ÿ¸÷¸™¸›¸ œÏµ¸¸¥¸ú ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ˆÅú ¸¸‡Š¸ú ‚¸¾£ ¤¸ÿˆÅ ƒ¬¸
i) The Items of Business given in the AGM Notice shall
¬¸¿¤¸¿š¸ Ÿ¸Ê ¬¸™¬¡¸¸Ê ˆÅ¸½ ƒÄ-¨¸¸½¢’¿Š¸ ˆÅú ¬¸º¢¨¸š¸¸ œÏ™¸›¸ ˆÅ£ £í¸ í¾. be transacted through electronic voting system and
ii) ¢£Ÿ¸¸½’ ƒÄ-¨¸¸½¢’¿Š¸ ׸£¸ ‚œ¸›¸½ ¨¸¸½’ ™½ ¸ºˆ½Å ¬¸™¬¡¸ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê the Bank is providing e-voting facility to the Members
ž¸ú ž¸¸Š¸ ¥¸½ ¬¸ˆÅ÷¸½ íÿ œ¸£¿÷¸º ¨¸½ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ™¸½¤¸¸£¸ ‚œ¸›¸¸ ¨¸¸½’ in this regard.
™½›¸½ ˆ½Å œ¸¸°¸ ›¸íú¿ í¸ÊŠ¸½. ii) The members who have cast their vote by remote
e-voting may also attend the AGM, but shall not be
iii) ¥¸¸Á¢Š¸›¸ ‚¸ƒÄ”ú ˆÅ¸ ¤¡¸¸½£¸ ƒ¬¸ ›¸¸½¢’¬¸ Ÿ¸Ê ›¸ú¸½ ¢™¡¸¸ Š¸¡¸¸ í¾. entitled to cast their vote again at the AGM.
12. ¬¸™¬¡¸¸Ê ˆÅ¸ £¢¸¬’£ ‚¸¾£ ¤¸ÿˆÅ ˆÅú ©¸½¡¸£ ‚¿÷¸£µ¸ ¤¸¢í¡¸¸Â ¤¸ºš¸¨¸¸£, 17 iii) Details of login id are given below in this Notice.
¸º¥¸¸ƒÄ 2024 ¬¸½ Ÿ¸¿Š¸¥¸¨¸¸£, 23 ¸º¥¸¸ƒÄ 2024 ÷¸ˆÅ (™¸½›¸¸Ê ¢™›¸
12. The Register of Members and the Share Transfer Books
©¸¸¢Ÿ¸¥¸) ¤¸¿™ £íÊŠ¸ú. ¢›¸¡¸Ÿ¸¸¨¸¥¸ú ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 of the Bank will remain closed from Wednesday, July 17,
(‚¢š¸¢›¸¡¸Ÿ¸) ˆÅú š¸¸£¸ 108 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚›¸º¬¸¸£, ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ 2024 to Tuesday, July 23, 2024 (both days inclusive). In
ˆÅú ¬¸»¸›¸¸ Ÿ¸Ê ™ú Š¸ƒÄ ˆÅ¸£¸½¤¸¸£ ˆÅú Ÿ¸™¸Ê œ¸£ „›¸ ©¸½¡¸£š¸¸£ˆÅ¸Ê ׸£¸ ˆÅ¸£Ä¨¸¸ƒÄ terms of the provisions of Section 108 of the Companies
Act, 2013 (the Act) read with the Rules, the items of
ƒ¥¸½Æ’ï¸Á¢›¸ˆÅ ¨¸¸½¢’¿Š¸ œÏµ¸¸¥¸ú ׸£¸ Ÿ¸÷¸™¸›¸ ™½ˆÅ£ ˆÅú ¸¸ ¬¸ˆÅ÷¸ú í¾ ¢¸›¸ˆ½Å Business given in AGM Notice may be transacted through
›¸¸Ÿ¸ ¤¸¢í¡¸¸Ê Ÿ¸Ê ¬¸™¬¡¸¸Ê ¡¸¸ ¢í÷¸¸¢š¸ˆÅ¸£ú ¬¨¸¸¢Ÿ¸¡¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê Ÿ¸¿Š¸¥¸¨¸¸£ 16 electronic voting system by casting of votes by the
¸º¥¸¸ƒÄ 2024 (¢™›¸¸¿÷¸), ¨¸í ÷¸¸£ú‰¸ ¸¸½ ¢£Ÿ¸¸½’ ƒÄ-¨¸¸½¢’¿Š¸ ˆ½Å ¢¥¸‡ ¬¸™¬¡¸¸Ê Shareholders who appear in the Books as Members
ˆ½Å ¨¸¸½¢’¿Š¸ ‚¢š¸ˆÅ¸£ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ˆÅ£›¸½ í½÷¸º ¢›¸¢™Ä«’ ÷¸¸£ú‰¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ÷¸¡¸ ˆÅú or Beneficial Owners of shares as on Tuesday, July
16, 2024 (End of Day), being the Cut-off date fixed for
Š¸ƒÄ í¾, ˆÅ¸½ ™¸Ä í¸ÊŠ¸½. reckoning the voting rights of Members to be exercised by
13. 31 Ÿ¸¸¸Ä 2024 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ‚¿¢÷¸Ÿ¸ ¥¸¸ž¸¸¿©¸, remote e-voting.
¡¸¢™ ‚¸Š¸¸Ÿ¸ú ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ‚›¸ºŸ¸¸½¢™÷¸ í¸½÷¸¸ í¾, ˆ½Å ¢¥¸‡ ¬¸™¬¡¸¸Ê 13. The “Record Date” fixed for determining entitlement of
ˆÅú œ¸¸°¸÷¸¸ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ˆÅ£›¸½ í½÷¸º ``¢£ˆÅ¸”Ä ¢÷¸¢˜¸'' Ÿ¸¿Š¸¥¸¨¸¸£, members to final dividend for the Financial Year ended
16 ¸º¥¸¸ƒÄ 2024 í¾. March 31, 2024 if approved at ensuing AGM is Tuesday,
14. ¬¸½¤¸ú ›¸½ ¢™›¸¸¿ˆÅ 7 Ÿ¸ƒÄ 2024 ˆ½Å ‚œ¸›¸½ œ¸¢£œ¸°¸ ¬¸¿. July 16, 2024
¬¸½¤¸ú / ‡¸‚¸½ / ‡Ÿ¸‚¸ƒÄ‚¸£‡¬¸”ú / œ¸ú‚¸½”ú-1 / œ¸ú / 14. SEBI vide its Circular No: SEBI/HO/MIRSD/POD-
¬¸ú‚¸ƒÄ‚¸£/2024/37 ‚¸¾£ ¢™›¸¸¿ˆÅ 10 ¸»›¸ 2024 ˆ½Å 1/P/CIR/2024/37 dated May 07, 2024 and Circular
œ¸¢£œ¸°¸ ¬¸¿‰¡¸¸ ¬¸½¤¸ú/‡¸‚¸½/‡Ÿ¸‚¸ƒÄ‚¸£‡¬¸”ú/œ¸ú‚¸½”ú-1/ No. SEBI/HO/MIRSD/POD-1/P/CIR/2024/81 dated
œ¸ú/¬¸ú‚¸ƒÄ‚¸£/2024/81 ˆ½Å ׸£¸ ‚¢š¸™½¢©¸÷¸ ¢ˆÅ¡¸¸ í¾ ¢ˆÅ June 10, 2024 has mandated that with effect from April
1 ‚œÏ¾¥¸ 2024 ¬¸½ ž¸¸¾¢÷¸ˆÅ œÏ¢÷¸ž¸»¢÷¸ š¸¸£ˆÅ¸Ê ˆÅ¸½ ¥¸¸ž¸¸¿©¸ ˆÅ¸ 01, 2024, dividend to physical security holders shall be
ž¸ºŠ¸÷¸¸›¸ ˆ½Å¨¸¥¸ ƒ¥¸½Æ’ï¸Á¢›¸ˆÅ Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸. ‡½¬¸¸ paid only through electronic mode. Such payment shall be
ž¸ºŠ¸÷¸¸›¸ œ¸¾›¸, ¬¸¿œ¸ˆÄÅ ¢¨¸¨¸£µ¸, ¤¸ÿˆÅ ‰¸¸÷¸¸ ¢¨¸¨¸£µ¸ ‚¸¾£ ›¸Ÿ¸»›¸¸ í¬÷¸¸®¸£ made only after furnishing the PAN, contact details, bank
œÏ¬÷¸º÷¸ ˆÅ£›¸½ ˆ½Å ¤¸¸™ íú ¢ˆÅ¡¸¸ ¸¸‡Š¸¸. account details and specimen signature.

7
15. ÷¸™Ã›¸º¬¸¸£ ¬¸™¬¡¸¸Ê ¬¸½ ‚›¸º£¸½š¸ í¾ ¢ˆÅ ¨¸½ ¢¨¸¢š¸¨¸÷¸ ž¸£½ íº‡ ‚¸¾£ í¬÷¸¸®¸¢£÷¸ 15. Accordingly, Members are requested to make service
¬¸¿¤¸¿¢š¸÷¸ ‚¸ƒÄ‡¬¸‚¸£ ûŸÁŸ¸Ä ˆ½Å ¬¸¸˜¸ ¬¸Ÿ¸˜¸Ä›¸ˆÅ¸£ú ™¬÷¸¸¨¸½{¸ œÏ¬÷¸º÷¸ requests by submitting supporting documents duly filled
ˆÅ£ˆ½Å ¬¸½¨¸¸ ‚›¸º£¸½š¸ ˆÅ£Ê, ¢¸¬¸ˆÅ¸ œÏ¸³Åœ¸ ¤¸ÿˆÅ ˆÅú ¨¸½¤¸¬¸¸ƒ’ httpsÀ// and signed with relevant ISR forms, the formats of which
www.idbibank.in/idbi-bank-investor.aspx ‚¸¾£ ˆ½Å¢ûÅ›¸ are available at Bank’s website https://www.idbibank.in/
’½Æ›¸¸½¥¸¸Á¸ú¸ ¢¥¸¢Ÿ¸’½” (ˆ½Å¢ûÅ›¸’½ˆÅ), ‚˜¸¸Ä÷¸Ã ¤¸ÿˆÅ ˆ½Å ‚¸£’ú‡ idbi-bank-investor.aspx and that of KFin Technologies
www.kfintech.com œ¸£ „œ¸¥¸¤š¸ í¾. ¡¸í ›¸¸½’ ¢ˆÅ¡¸¸ ¸¸¡¸½ ¢ˆÅ ¢ˆÅ¬¸ú Limited (KFintech), viz. RTA of the Bank at www.kfintech.
ž¸ú ¬¸½¨¸¸ ‚›¸º£¸½š¸ œ¸£ ÷¸ž¸ú ˆÅ¸£Ä¨¸¸ƒÄ ˆÅú ¸¸¡¸½Š¸ú ¸¤¸ ûŸ½¢¥¸¡¸¸½ ˆ½Å¨¸¸ƒÄ¬¸ú com. It may be noted that any service request can be
‚›¸ºœ¸¸¥¸ˆÅ í¾. processed only after the folio is KYC compliant.

¢£Ÿ¸¸½’ ƒÄ-¨¸¸½¢’¿Š¸ ˆ½Å ¢¥¸‡ ¬¸™¬¡¸¸Ê í½÷¸º ‚›¸º™½©¸

 THE INSTRUCTIONS FOR MEMBERS FOR REMOTE
¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿÀ- E-VOTING ARE AS UNDER:-

¢£Ÿ¸¸½’ ƒÄ-¨¸¸½¢’¿Š¸ ˆÅú ‚¨¸¢š¸ Š¸º²Å¨¸¸£, 18 ¸º¥¸¸ƒÄ 2024 ˆÅ¸½ ¬¸º¤¸í 9.00 The remote e-voting period begins on and from Thursday,
¤¸¸½ (ž¸¸£÷¸ú¡¸ Ÿ¸¸›¸ˆÅ ¬¸Ÿ¸¡¸¸›¸º¬¸¸£) ©¸º³ í¸½Š¸ú ‚¸¾£ ¬¸¸½Ÿ¸¨¸¸£, 22 July 18, 2024 at 9.00 a.m. (IST) and ends on Monday,
¸º¥¸¸ƒÄ 2024 ˆÅ¸½ ©¸¸Ÿ¸ 5.00 ¤¸¸½ (ž¸¸£÷¸ú¡¸ Ÿ¸¸›¸ˆÅ ¬¸Ÿ¸¡¸¸›¸º¬¸¸£) July 22, 2024 at 5.00 p.m (IST). The remote e-voting module shall
¬¸Ÿ¸¸œ÷¸ í¸½Š¸ú. „Æ÷¸ ¬¸Ÿ¸¡¸¸¨¸¢š¸ ˆ½Å ¤¸¸™ ¢£Ÿ¸¸½’ ƒÄ-¨¸¸½¢’¿Š¸ Ÿ¸¸Á”ḻ¥¸ ˆÅ¸½ be disabled by NSDL for voting thereafter. The Members, whose
‡›¸‡¬¸”ú‡¥¸ ׸£¸ ¨¸¸½¢’¿Š¸ ˆ½Å ¢¥¸‡ ¢›¸¦«ÇÅ¡¸ ˆÅ£ ¢™¡¸¸ ¸¸‡Š¸¸. ¢¸›¸ ¬¸™¬¡¸¸Ê
names appear in the Register of Members / Beneficial Owners
ˆ½Å ›¸¸Ÿ¸ ¬¸™¬¡¸¸Ê / ¢í÷¸¸š¸¸£ú ¬¨¸¸¢Ÿ¸¡¸¸Ê ˆ½Å £¢¸¬’£ Ÿ¸Ê ¢£ˆÅ¸Á”Ä ˆÅú ÷¸¸£ú‰¸
(ˆÅ’-‚¸ÁûÅ ÷¸¸£ú‰¸), ‚˜¸¸Ä÷¸Ã Ÿ¸¿Š¸¥¸¨¸¸£,16 ¸º¥¸¸ƒÄ 2024 ˆÅ¸½ ™¸Ä í¸ÊŠ¸½, as on the record date (cut-off date) i.e. Tuesday, July 16, 2024,
¨¸½ ‚œ¸›¸¸ ¨¸¸½’ ƒ¥¸½Æ’︽¢›¸ˆÅ œ¸Ö¢÷¸ ¬¸½ ™½ ¬¸ˆÊÅŠ¸½. ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆ½Å Ÿ¸÷¸¸¢š¸ˆÅ¸£ may cast their vote electronically. The voting right of shareholders
¢›¸¢™Ä«’ ÷¸¸£ú‰¸ ‚˜¸¸Ä÷¸Ã Ÿ¸¿Š¸¥¸¨¸¸£, 16 ¸º¥¸¸ƒÄ 2024 ˆÅ¸½ ¤¸ÿˆÅ ˆÅú ¸ºˆÅ÷¸¸ shall be in proportion to their share in the paid-up equity share
ƒ¦Æ¨¸’ú ©¸½¡¸£ œ¸»Â¸ú Ÿ¸Ê „›¸ˆ½Å ©¸½¡¸£ ˆ½Å ‚›¸ºœ¸¸÷¸ Ÿ¸Ê í¸ÊŠ¸½. capital of the Bank as on the cut-off date, being Tuesday,
July 16, 2024.
Ÿ¸ÿ ‡›¸‡¬¸”ú‡¥¸ ƒÄ-¨¸¸½¢’¿Š¸ œÏµ¸¸¥¸ú ˆ½Å ¸¢£‡ ƒ¥¸½Æ’ï¸Á¢›¸ˆÅ ³Åœ¸ ¬¸½
¢ˆÅ¬¸ œÏˆÅ¸£ Ÿ¸÷¸™¸›¸ ˆÅ³¿? How do I vote electronically using NSDL e-Voting system?
‡›¸‡¬¸”ú‡¥¸ ˆÅú ƒÄ-¨¸¸½¢’¿Š¸ œÏµ¸¸¥¸ú œ¸£ ƒ¥¸½Æ’ï¸Á¢›¸ˆÅ ³Åœ¸ ¬¸½ ¨¸¸½’ ˆÅ£›¸½ ˆ½Å
÷¸£úˆ½Å Ÿ¸Ê ›¸ú¸½ ¢›¸¢™Ä«’ ¢ˆÅ‡ ‚›¸º¬¸¸£ ``™¸½ ¸£µ¸'' ©¸¸¢Ÿ¸¥¸ íÿÀ The way to vote electronically on NSDL e-Voting system consists
of “Two Steps” which are mentioned below:
¸£µ¸ 1 À ‡¬¸‡›¸”ú‡¥¸ ˆÅú ƒÄ-¨¸¸½¢’¿Š¸ œÏµ¸¸¥¸ú œ¸£ ‡Æ¬¸½¬¸ ˆÅ£›¸¸
Step 1: Access to NSDL e-Voting system
‚) ƒÄ-¨¸¸½¢’¿Š¸ ˆ½Å ¢¥¸‡ ¥¸¸Á¢Š¸›¸ œ¸Ö¢÷¸ ÷¸˜¸¸ ”úŸ¸¾’ œ¸Ö¢÷¸ Ÿ¸Ê
œÏ¢÷¸ž¸»¢÷¸ š¸¸£ˆÅ ¨¸¾¡¸¢Æ÷¸ˆÅ ©¸½¡¸£š¸¸£ˆÅ¸Ê ׸£¸ ¨¸¸ºÄ‚¥¸ ¤¸¾“ˆÅ A) Login method for e-Voting and joining virtual meeting
for Individual shareholders holding securities in demat
Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ í¸½›¸¸
mode
¬¸»¸ú¤¸Ö ˆ¿Åœ¸¢›¸¡¸¸Ê ׸£¸ œÏ™î¸ ƒÄ-¨¸¸½¢’¿Š¸ ¬¸º¢¨¸š¸¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê ¢™›¸¸¿ˆÅ
09 ¢™¬¸¿¤¸£ 2020 ˆ½Å ¬¸½¤¸ú ˆ½Å œ¸¢£œ¸°¸ ˆ½Å ‚›¸º¬¸¸£, ”úŸ¸¾’ ³Åœ¸ Ÿ¸Ê In terms of SEBI circular dated December 9, 2020 on
œÏ¢÷¸ž¸»¢÷¸ š¸¸£ˆÅ ¨¸¾¡¸¢Æ÷¸ˆÅ ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆÅ¸½ ¢”œ¸¸Á¢{¸’¢£¡¸¸Ê ‚¸¾£ e-Voting facility provided by Listed Companies, Individual
¢”œ¸¸Á¢{¸’£ú ¬¸íž¸¸¢Š¸¡¸¸Ê ˆ½Å œ¸¸¬¸ ‰¸¸½¥¸½ Š¸‡ ”úŸ¸¾’ ‰¸¸÷¸¸Ê ˆ½Å Ÿ¸¸š¡¸Ÿ¸ shareholders holding securities in demat mode are allowed
¬¸½ ¨¸¸½’ ˆÅ£›¸½ ˆÅú ‚›¸ºŸ¸¢÷¸ ™ú Š¸ƒÄ í¾. ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆÅ¸½ ¬¸»¢¸÷¸ ¢ˆÅ¡¸¸ to vote through their demat account maintained with
¸¸÷¸¸ í¾ ¢ˆÅ ¨¸½ ƒÄ-¨¸¸½¢’¿Š¸ ¬¸º¢¨¸š¸¸ œÏ¸œ÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‚œ¸›¸½ ”úŸ¸¾’ Depositories and Depository Participants. Shareholders
‰¸¸÷¸¸Ê Ÿ¸Ê ‚œ¸›¸¸ Ÿ¸¸½¤¸¸ƒ¥¸ ›¸¿¤¸£ ‚¸¾£ ƒÄ-Ÿ¸½¥¸ ‚¸ƒÄ”ú ‚œ¸”½’ ˆÅ£Ê. are advised to update their mobile number and email Id in
their demat accounts in order to access e-Voting facility.
”úŸ¸¾’ ³Åœ¸ Ÿ¸Ê œÏ¢÷¸ž¸»¢÷¸ š¸¸£ˆÅ ¨¸¾¡¸¢Æ÷¸ˆÅ ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆ½Å ¢¥¸‡
¥¸¸Á¢Š¸›¸ œ¸Ö¢÷¸ ›¸ú¸½ ™ú ¸¸ £íú í¾À Login method for Individual shareholders holding securities
in demat mode is given below:

8
©¸½¡¸£š¸¸£ˆÅ ˆÅ¸ œÏˆÅ¸£ ¥¸¸Á¢Š¸›¸ ˆÅú œ¸Ö¢÷¸ Type of shareholders Login Method
Individual 1. Existing IDeAS user can visit the
¨¸¾¡¸¢Æ÷¸ˆÅ ©¸½¡¸£š¸¸£ˆÅ ¸¸½ 1. Ÿ¸¸¾¸»™¸ ‚¸ƒÄ”úƒÄ‡‡¬¸ ¡¸»¸£ ¨¡¸¢Æ÷¸Š¸÷¸ Shareholders
‡›¸‡¬¸”ú‡¥¸ ˆ½Å œ¸¸¬¸ ”úŸ¸¾’ ³Åœ¸ Ÿ¸Ê ˆ¿Åœ¡¸»’£ ¡¸¸ Ÿ¸¸½¤¸¸ƒ¥¸ ¬¸½ ‡›¸‡¬¸”ú‡¥¸ ˆÅú ƒÄ- e-Services website of NSDL Viz.
holding securities https://eservices.nsdl.com either on
œÏ¢÷¸ž¸»¢÷¸ £‰¸÷¸½ íÿ ¬¸¢¨¸Ä¬¸½¬¸ ¨¸½¤¸¬¸¸ƒ’ À httpsÀ//eservices. in demat mode a Personal Computer or on a mobile.
nsdl.com œ¸£ ¸¸‡Â. ƒÄ-¬¸½¢¨¸Ä¬¸½¬¸ í¸½Ÿ¸ œ¸½¸ with NSDL. On the e-Services home page click on
œ¸£ "Login" ˆ½Å ‚¿÷¸Š¸Ä÷¸ "Beneficial
the “Beneficial Owner” icon under
Owner" ‚¸ƒˆÅ¸Á›¸ œ¸£ ¦Æ¥¸ˆÅ ˆÅ£Ê ¸¸½
“Login” which is available under
"IDeAS" ¬¸½Æ©¸›¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ „œ¸¥¸¤š¸
‘IDeAS’ section, this will prompt
í¾. ¡¸í ‚¸œ¸ˆÅ¸½ ‚œ¸›¸¸ Ÿ¸¸¾¸»™¸ ¡¸»¸£ ‚¸ƒÄ”ú
you to enter your existing User ID
‚¸¾£ œ¸¸¬¸¨¸”Ä œÏ¢¨¸«’ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ˆÅí½Š¸¸.
and Password. After successful
¬¸ûÅ¥¸÷¸¸œ¸»¨¸ÄˆÅ ¬¸÷¡¸¸œ¸›¸ ˆ½Å ¤¸¸™, ‚¸œ¸ Ÿ¸»¥¡¸
authentication, you will be able to
¡¸¸½¢¸÷¸ ¬¸½¨¸¸‚¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ƒÄ-¨¸¸½¢’¿Š¸ ¬¸¢¨¸Ä¬¸½¬¸
see e-Voting services under Value
™½‰¸ œ¸¸‡¿Š¸½. ƒÄ-¨¸¸½¢’¿Š¸ ¬¸¢¨¸Ä¬¸½¬¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ added services. Click on “Access
"Access to e-Voting" œ¸£ ¦Æ¥¸ˆÅ ˆÅ£Ê to e-Voting” under e-Voting services
‚¸¾£ ‚¸œ¸ ƒÄ-¨¸¸½¢’¿Š¸ œ¸½¸ ™½‰¸ œ¸¸‡¿Š¸½. ¤¸ÿˆÅ ˆ½Å and you will be able to see e-Voting
›¸¸Ÿ¸ ¡¸¸ "e-Voting service provider page. Click on Bank name or e-Voting
‚˜¸¸Ä÷¸Ã NSDL" œ¸£ ¦Æ¥¸ˆÅ ˆÅ£Ê ‚¸¾£ ‚¸œ¸ service provider i.e. NSDL and you
¢£Ÿ¸¸½’ ƒÄ-¨¸¸½¢’¿Š¸ ˆÅú ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ Ÿ¸÷¸™¸›¸ will be re-directed to e-Voting website
ˆÅ£›¸½ ¡¸¸ ¨¸¸ºÄ‚¥¸ ¤¸¾“ˆÅ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ í¸½›¸½ of NSDL for casting your vote during
‡¨¸¿ ¤¸¾“ˆÅ ˆ½Å ™¸¾£¸›¸ Ÿ¸÷¸™¸›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ the remote e-Voting period or joining
‡›¸‡¬¸”ú‡¥¸ ˆÅú ƒÄ-¨¸¸½¢’¿Š¸ ¨¸½¤¸¬¸¸ƒ’ œ¸£ ¢£- virtual meeting & voting during the
”¸¡¸£½Æ’ ˆÅ£ ¢™‡ ¸¸‡¿Š¸½. meeting.
2. ¡¸¢™ ¡¸»¸£ ‚¸ƒÄ”úƒÄ‡‡¬¸ ƒÄ-¬¸¢¨¸Ä¬¸½¬¸ ˆ½Å ¢¥¸‡
œ¸¿¸úˆ¼Å÷¸ ›¸íú¿ íÿ ÷¸¸½ httpsÀ//eservices. 2. If the user is not registered for IDeAS
nsdl.com œ¸£ œ¸¿¸úˆÅ£µ¸ ˆÅ¸ ¢¨¸ˆÅ¥œ¸ „œ¸¥¸¤š¸ e-Services, option to register is
í¾. Register Online for IDeAS Portal available at https://eservices.nsdl.
¢¬¸¥¸½Æ’ ˆÅ£Ê ¡¸¸ httpsÀ//eservices.nsdl. com. Select “Register Online for
com/SecureWeb/IdeasDirectReg. IDeAS Portal” or click at https://
jsp œ¸£ ¦Æ¥¸ˆÅ ˆÅ£Ê. eservices.nsdl.com/SecureWeb/
IdeasDirectReg.jsp
3. ‡›¸‡¬¸”ú‡¥¸ ˆÅú ƒÄ-¨¸¸½¢’¿Š¸ ¨¸½¤¸¬¸¸ƒ’ œ¸£
¸¸¡¸Ê. ‚œ¸›¸½ ¨¡¸¢Æ÷¸Š¸÷¸ ˆ¿Åœ¡¸»’£ ¡¸¸ Ÿ¸¸½¤¸¸ƒ¥¸ 3. Visit the e-Voting website of NSDL.
œ¸£ ¡¸»‚¸£‡¥¸ À https://www.evoting. Open web browser by typing the
nsdl.com/ ’¸ƒœ¸ ˆÅ£÷¸½ íº‡ ¨¸½¤¸ ¤Ï¸„{¸£ following URL: https://www.evoting.
‰¸¸½¥¸Ê. ƒÄ-¨¸¸½¢’¿Š¸ œÏµ¸¸¥¸ú ˆÅ¸ í¸½Ÿ¸ œ¸½¸ ‰¸º¥¸÷¸½ nsdl.com/ either on a Personal
íú "Login" ‚¸ƒˆÅ¸Á›¸ œ¸£ ¦Æ¥¸ˆÅ ˆÅ£Ê ¸¸½ Computer or on a mobile. Once the
`Shareholder/Member' ¬¸½Æ©¸›¸ ˆ½Å home page of e-Voting system is
‚¿÷¸Š¸Ä÷¸ „œ¸¥¸¤š¸ í¾. ‡ˆÅ ›¸¡¸¸ ¬ÇÅú›¸ ‰¸º¥¸½Š¸¸. launched, click on the icon “Login”
‚¸œ¸ˆÅ¸½ ‚œ¸›¸¸ ¡¸»¸£ ‚¸ƒÄ”ú (‚˜¸¸Ä÷¸Ã which is available under ‘Shareholder/
‡›¸‡¬¸”ú‡¥¸ ˆ½Å œ¸¸¬¸ ¬¸¸½¥¸í ‚¿ˆÅ¸Ê ˆÅ¸ ‚¸œ¸ˆÅ¸ Member’ section. A new screen will
‰¸¸÷¸¸ ¬¸¿‰¡¸¸), œ¸¸¬¸¨¸”Ä/‚¸½’úœ¸ú ‚¸¾£ ¬ÇÅú›¸ open. You will have to enter your
œ¸£ ¢™‰¸¸‡ Š¸‡ ‚›¸º¬¸¸£ ‡ˆÅ ¬¸÷¡¸¸œ¸›¸ ˆÅ¸½” User ID (i.e. your sixteen digit demat
œÏ¢¨¸«’ ˆÅ£›¸¸ í¸½Š¸¸. ¬¸ûÅ¥¸÷¸¸œ¸»¨¸ÄˆÅ ¬¸÷¡¸¸œ¸›¸ account number held with NSDL),
ˆ½Å ¤¸¸™, ‚¸œ¸ ‡›¸‡¬¸”ú‡¥¸ ˆÅú ¢”œ¸¸½¢¸’¸Á£ú Password/OTP and a Verification
¬¸¸ƒ’ œ¸£ ¢£-”¸¡¸£½Æ’ ˆÅ£ ¢™‡ ¸¸‡¿Š¸½ ¸í¸¿ Code as shown on the screen. After
‚¸œ¸ ƒÄ-¨¸¸½¢’¿Š¸ œ¸½¸ ™½‰¸ ¬¸ˆÅ÷¸½ íÿ. ¤¸ÿˆÅ ˆ½Å successful authentication, you will be
›¸¸Ÿ¸ ¡¸¸ e-Voting service provider redirected to NSDL Depository site
i.e. NSDL œ¸£ ¦Æ¥¸ˆÅ ˆÅ£Ê ‚¸¾£ ‚¸œ¸ ¢£Ÿ¸¸½’ wherein you can see e-Voting page.
ƒÄ-¨¸¸½¢’¿Š¸ ˆÅú ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ Ÿ¸÷¸™¸›¸ Click on Bank name or e-Voting
ˆÅ£›¸½ ¡¸¸ ¨¸¸ºÄ‚¥¸ ¤¸¾“ˆÅ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ í¸½›¸½ service provider i.e. NSDL and you
‡¨¸¿ ¤¸¾“ˆÅ ˆ½Å ™¸¾£¸›¸ Ÿ¸÷¸™¸›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ will be redirected to e-Voting website
‡›¸‡¬¸”ú‡¥¸ ˆÅú ƒÄ-¨¸¸½¢’¿Š¸ ¨¸½¤¸¬¸¸ƒ’ of NSDL for casting your vote during
œ¸£ ¢£-”¸¡¸£½Æ’ ˆÅ£ ¢™‡ ¸¸‡¿Š¸½. the remote e-Voting period or joining
virtual meeting & voting during the
4. ©¸½¡¸£š¸¸£ˆÅ/¬¸™¬¡¸ ¢›¸¤¸¸Äš¸ ¨¸¸½¢’¿Š¸
meeting.
‚›¸ºž¸¨¸ ˆ½Å ¢¥¸‡ ›¸ú¸½ „¦¥¥¸¢‰¸÷¸ Æ¡¸»‚¸£ ˆÅ¸½”
ˆÅ¸½ ¬ˆ¾Å›¸ ˆÅ£ˆ½Å ‡›¸‡¬¸”ú‡¥¸ Ÿ¸¸½¤¸¸ƒ¥¸ ‡œ¸ 4. Shareholders/Members can also
``NSDL Speede'' ¬¸º¢¨¸š¸¸ download NSDL Mobile App “NSDL
ž¸ú ”¸„›¸¥¸¸½” ˆÅ£ ¬¸ˆÅ÷¸½ íÿ. Speede” facility by scanning the QR
code mentioned below for seamless
voting experience..

9
¨¸¾¡¸¢Æ÷¸ˆÅ ©¸½¡¸£š¸¸£ˆÅ ¸¸½ 1. Ÿ¸¸¾¸»™¸ ¡¸»¸£ ¢¸›í¸Ê›¸½ ¬¸ú”ú‡¬¸‡¥¸ I n d i v i d u a l 1. Existing users who have opted
¬¸ú”ú‡¬¸‡¥¸ ˆ½Å œ¸¸¬¸ ”úŸ¸¾’ ƒÄ¸ú/ƒ¸ú‡¬’ ¬¸º¢¨¸š¸¸ ˆÅ¸ ¸¡¸›¸ ¢ˆÅ¡¸¸ Shareholders for CDSL Easi / Easiest facility
holding securities in can login through their existing
³Åœ¸ Ÿ¸Ê œÏ¢÷¸ž¸»¢÷¸ £‰¸÷¸½ íÿ í¾, ¨¸½ ‚œ¸›¸½ Ÿ¸¸¾¸»™¸ ¡¸»¸£ ‚¸ƒÄ”ú ‚¸¾£
demat mode with user id and password. Option
œ¸¸¬¸¨¸”Ä ¬¸½ ¥¸¸Á¢Š¸›¸ ˆÅ£ ¬¸ˆÅ÷¸½ íÿ. ¢¤¸›¸¸ CDSL will be made available to reach
¢ˆÅ¬¸ú ‚¢÷¸¢£Æ÷¸ ¬¸÷¡¸¸œ¸›¸ ˆ½Å ƒÄ-¨¸¸½¢’¿Š¸
e-Voting page without any further
œ¸½¸ œ¸£ ¸¸›¸½ ˆÅ¸ ¢¨¸ˆÅ¥œ¸ „œ¸¥¸¤š¸ í¸½Š¸¸. authentication. . The users to login
ƒÄ¸ú/ƒ¸ú‡¬’ œ¸£ ¥¸¸Á¢Š¸›¸ ˆÅ£›¸½ í½÷¸º Easi /Easiest are requested to visit
„œ¸¡¸¸½Š¸ˆÅ÷¸¸Ä ¬¸½ ‚›¸º£¸½š¸ í¾ ¢ˆÅ ¬¸ú”ú‡¬¸‡¥¸ CDSL website www.cdslindia.
¨¸½¤¸¬¸¸ƒ’ www.cdslindia.com œ¸£ com and click on login icon & New
¸¸¡¸Ê ‚¸¾£ ¥¸¸Á¢Š¸›¸ ‚¸ƒˆÅ¸Á›¸ ÷¸˜¸¸ ƒ¬¸ˆ½Å System Myeasi Tab and then use
¤¸¸™ New System Myeasi ’¾¤¸ your existing Myeasi username &
œ¸£ ¦Æ¥¸ˆÅ ˆÅ£Ê ‚¸¾£ ‚œ¸›¸¸ Ÿ¸¸¾¸»™¸ ƒÄ¸ú password.
„œ¸¡¸¸½Š¸ˆÅ÷¸¸Ä ›¸¸Ÿ¸ ‚¸¾£ œ¸¸¬¸¨¸”Ä ™¸Ä ˆÅ£Ê. 2. After successful login the Easi /
Easiest user will be able to see
2. ¬¸ûÅ¥¸÷¸¸œ¸»¨¸ÄˆÅ ¥¸¸Á¢Š¸›¸ ˆ½Å ¤¸¸™ ƒÄ¸ú/ the e-Voting option for eligible
ƒ¸ú‡¬’ ¡¸»¸£ œ¸¸°¸ ˆ¿Åœ¸¢›¸¡¸¸Ê ˆÅ¸ ƒÄ-¨¸¸½¢’¿Š¸ companies where the evoting is
¢¨¸ˆÅ¥œ¸ ™½‰¸ ¬¸ˆÊÅŠ¸½, ¸í¸¿ ˆ¿Åœ¸›¸ú ׸£¸ œÏ™¸›¸ in progress as per the information
provided by company. On clicking
ˆÅú Š¸ƒÄ ¸¸›¸ˆÅ¸£ú ˆ½Å ‚›¸º¬¸¸£ ¨¸¸½¢’¿Š¸ ¸¸£ú
the evoting option, the user will
í¾. ƒÄ-¨¸¸½¢’¿Š¸ ¢¨¸ˆÅ¥œ¸ œ¸£ ¦Æ¥¸ˆÅ ˆÅ£›¸½ œ¸£,
be able to see e-Voting page
¡¸»¸£ ¢£Ÿ¸¸½’ ƒÄ-¨¸¸½¢’¿Š¸ ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ of the e-Voting service provider
‚œ¸›¸¸ ¨¸¸½’ ”¸¥¸›¸½ ¡¸¸ ¨¸¸ºÄ‚¥¸ Ÿ¸ú¢’¿Š¸ Ÿ¸Ê for casting your vote during the
©¸¸¢Ÿ¸¥¸ í¸½›¸½ ‚¸¾£ Ÿ¸ú¢’¿Š¸ ˆ½Å ™¸¾£¸›¸ ¨¸¸½¢’¿Š¸ remote e-Voting period or joining
ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ƒÄ-¨¸¸½¢’¿Š¸ ¬¸½¨¸¸ œÏ™¸÷¸¸ ˆÅ¸ ƒÄ- virtual meeting & voting during
¨¸¸½¢’¿Š¸ œ¸½¸ ™½‰¸ ¬¸ˆ½ÅŠ¸¸. ƒ¬¸ˆ½Å ‚¢÷¸¢£Æ÷¸, the meeting. Additionally, there
¬¸ž¸ú ƒÄ-¨¸¸½¢’¿Š¸ ¬¸½¨¸¸ œÏ™¸÷¸¸‚¸Ê ˆÅú œÏµ¸¸¥¸ú are also links provided to access
÷¸ˆÅ œ¸íºÂ¸›¸½ ˆ½Å ¢¥¸‡ ¢¥¸¿ˆÅ ž¸ú œÏ™¸›¸ ¢ˆÅ‡ the system of all e-Voting Service
Š¸‡ íÿ, ÷¸¸¢ˆÅ „œ¸¡¸¸½Š¸ˆÅ÷¸¸Ä ¬¸úš¸½ ƒÄ-¨¸¸½¢’¿Š¸ Providers, so that the user can
¬¸½¨¸¸ œÏ™¸÷¸¸‚¸Ê ˆÅú ¨¸½¤¸¬¸¸ƒ’ œ¸£ ¸¸ ¬¸ˆÊÅ. visit the e-Voting service providers’
website directly.

3. ¡¸¢™ ¡¸»¸£ ƒÄ¸ú/ƒ¸ú‡¬’ ˆ½Å ¢¥¸‡ œ¸¿¸úˆ¼Å÷¸ 3. If the user is not registered for
Easi/Easiest, option to register is
›¸íú¿ íÿ ÷¸¸½ ¬¸ú”ú‡¬¸‡¥¸ ¨¸½¤¸¬¸¸ƒ’ www.
available at CDSL website www.
cdslindia.com œ¸£ œ¸¿¸úˆÅ£µ¸ ˆÅ¸ ¢¨¸ˆÅ¥œ¸ cdslindia.com and click on login &
„œ¸¥¸¤š¸ í¾. ¥¸¸Á¢Š¸›¸ ‚¸¾£ New System New System Myeasi Tab and then
Myeasi ’¾¤¸ œ¸£ ¦Æ¥¸ˆÅ ˆÅ£Ê ‚¸¾£ „¬¸ˆ½Å click on registration option.
¤¸¸™ œ¸¿¸úˆÅ£µ¸ ¢¨¸ˆÅ¥œ¸ œ¸£ ¦Æ¥¸ˆÅ ˆÅ£Ê. 4. Alternatively, the user can
4. ¢¨¸ˆÅ¥œ¸ ˆ½Å ÷¸¸¾£ œ¸£, ¡¸»¸£ www. directly access e-Voting page
cdslindia.com ˆ½Å í¸½Ÿ¸ œ¸½¸ Ÿ¸Ê ‡ˆÅ ¢¥¸¿ˆÅ by providing Demat Account
Number and PAN No. from a
¬¸½ ”úŸ¸¾’ ‰¸¸÷¸¸ ¬¸¿‰¡¸¸ ‚¸¾£ œ¸¾›¸ ›¸¿¤¸£ ”¸¥¸
e-Voting link available on www.
ˆÅ£ ¬¸úš¸½ ƒÄ-¨¸¸½¢’¿Š¸ œ¸½¸ œ¸£ ‡Æ¬¸½¬¸ ˆÅ£ cdslindia.com home page. The
¬¸ˆÅ÷¸½ íÿ. ¢¬¸¬’Ÿ¸, ”úŸ¸¾’ ‰¸¸÷¸½ Ÿ¸Ê ¢£ˆÅ¸Á”Ä system will authenticate the user
œ¸¿¸úˆ¼Å÷¸ Ÿ¸¸½¤¸¸ƒ¥¸ ‚¸¾£ ƒÄŸ¸½¥¸ œ¸£ ‚¸½’úœ¸ú by sending OTP on registered
ž¸½¸ ˆÅ£ ¡¸»¸£ ˆÅ¸ ¬¸÷¡¸¸œ¸›¸ ˆÅ£½Š¸ú. Mobile & Email as recorded in the
¬¸ûÅ¥¸÷¸¸œ¸»¨¸ÄˆÅ ¬¸÷¡¸¸œ¸›¸ ˆ½Å ¤¸¸™, ¡¸»¸£ Demat Account. After successful
ƒÄ-¨¸¸½¢’¿Š¸ ˆÅ¸ ¢¨¸ˆÅ¥œ¸ ™½‰¸ ¬¸ˆÊÅŠ¸½ ¸í¸¿ authentication, user will be able
to see the e-Voting option where
ƒÄ-¨¸¸½¢’¿Š¸ ¸¥¸ £íú í¾ ‚¸¾£
the evoting is in progress and
¬¸ž¸ú ƒÄ-¨¸¸½¢’¿Š¸ ¬¸½¨¸¸ œÏ™¸÷¸¸ ¬¸úš¸½ also able to directly access the
¢¬¸¬’Ÿ¸ Ÿ¸Ê ‡Æ¬¸¾¬¸ ˆÅ£ ¬¸ˆÊÅŠ¸½. system of all e-Voting Service
Provider
10
 Individual You can also login using the login
¨¸¾¡¸¢Æ÷¸ˆÅ ©¸½¡¸£š¸¸£ˆÅ ‚¸œ¸ ƒÄ-¨¸¸½¢’¿Š¸ ¬¸º¢¨¸š¸¸ ˆ½Å ¢¥¸‡
Shareholders
(¸¸½ ”úŸ¸¾’ ³Åœ¸ Ÿ¸Ê ‡›¸‡¬¸”ú‡¥¸/¬¸ú”ú‡¬¸‡¥¸ ˆ½Å œ¸¸¬¸ credentials of your demat account
(holding securities
œÏ¢÷¸ž¸»¢÷¸¡¸¸Â £‰¸÷¸½ íÿ) œ¸¿¸úˆ¼Å÷¸ ‚œ¸›¸½ ¢”œ¸¸Á¢{¸’£ú ¬¸íž¸¸Š¸ú ˆ½Å in demat mode) through your Depository Participant
¸¸½ ‚œ¸›¸½ ¢”œ¸¸Á¢{¸£ú Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ‚œ¸›¸½ ”úŸ¸¾’ ‰¸¸÷¸½ ˆ½Å ¥¸¸Á¢Š¸›¸ login through registered with NSDL/CDSL for
¬¸íž¸¸¢Š¸¡¸¸Ê ˆ½Å Ÿ¸¸š¡¸Ÿ¸ their depository
ǽŔʢ©¸¡¸¥¸ ˆÅ¸ œÏ¡¸¸½Š¸ ˆÅ£÷¸½ íº‡ ž¸ú ¥¸¸Á¢Š¸›¸
¬¸½ ¥¸¸Á¢Š¸›¸ ˆÅ£÷¸½ íÿ participants e-Voting facility. Upon logging in, you
ˆÅ£ ¬¸ˆÅ÷¸½ íÿ. ¥¸¸Á¢Š¸›¸ ˆÅ£›¸½ ˆ½Å ¤¸¸™ ‚¸œ¸
ƒÄ-¨¸¸½¢’¿Š¸ ¬¸¿¤¸¿š¸ú ¢¨¸ˆÅ¥œ¸ ™½‰¸ œ¸¸‡¿Š¸½. will be able to see e-Voting option.
ƒÄ-¨¸¸½¢’¿Š¸ ¢¨¸ˆÅ¥œ¸ œ¸£ ¦Æ¥¸ˆÅ ˆÅ£÷¸½ íú Click on e-Voting option, you will be
¬¸ûÅ¥¸÷¸¸œ¸»¨¸ÄˆÅ ¬¸÷¡¸¸œ¸›¸ ˆ½Å ¤¸¸™ ‚¸œ¸ redirected to NSDL/CDSL Depository
‡›¸‡¬¸”ú‡¥¸/¬¸ú”ú‡¬¸‡¥¸ ˆ½Å ¢”œ¸¸Á¢{¸’£ú
site after successful authentication,
¬¸¸ƒ’ œ¸£ ¢£-”¸¡¸£½Æ’ ˆÅ£ ¢™‡ ¸¸‡¿Š¸½
¸í¸¿ ‚¸œ¸ ƒÄ-¨¸¸½¢’¿Š¸ ûÅú¸£ ™½‰¸ ¬¸ˆÅ÷¸½ íÿ. wherein you can see e-Voting feature.
ˆ¿Åœ¸›¸ú ˆ½Å ›¸¸Ÿ¸ ¡¸¸ ƒÄ-¨¸¸½¢’¿Š¸ ¬¸½¨¸¸ œÏ™¸÷¸¸ Click on company name or e-Voting
‚˜¸¸Ä÷¸ ‡›¸‡¬¸”ú‡¥¸ œ¸£ ¦Æ¥¸ˆÅ ˆÅ£Ê ‚¸¾£ service provider i.e. NSDL and you will
‚¸œ¸ ¢£Ÿ¸¸½’ ƒÄ-¨¸¸½¢’¿Š¸ ˆÅú ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ be redirected to e-Voting website of
Ÿ¸÷¸™¸›¸ ˆÅ£›¸½ ¡¸¸ ¨¸¸ºÄ‚¥¸ ¤¸¾“ˆÅ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸
NSDL for casting your vote during the
í¸½›¸½ ‡¨¸¿ ¤¸¾“ˆÅ ˆ½Å ™¸¾£¸›¸ Ÿ¸÷¸™¸›¸ ˆÅ£›¸½ ˆ½Å
¢¥¸‡ ‡›¸‡¬¸”ú‡¥¸ ˆÅú ƒÄ-¨¸¸½¢’¿Š¸ ¨¸½¤¸¬¸¸ƒ’ remote e-Voting period or joining virtual
œ¸£ ¢£-”¸¡¸£½Æ’ ˆÅ£ ¢™‡ ¸¸‡¿Š¸½. meeting & voting during the meeting.
Ÿ¸í÷¨¸œ¸»µ¸Ä ›¸¸½’À ¸¸½ ¬¸™¬¡¸ ‚œ¸›¸¸ ¡¸»¸£ ‚¸ƒÄ”ú/ œ¸¸¬¸¨¸”Ä ¢£’ïú¨¸ ›¸íú¿ Important Note: Members who are unable to retrieve
ˆÅ£ œ¸¸ £í½ í¸Ê ¨¸½ „œ¸¡¸ºÄÆ÷¸ ¨¸½¤¸¬¸¸ƒ’ œ¸£ „œ¸¥¸¤š¸ Forget User ID User ID/ Password are advised to use Forgot User
‚¸¾£ Forget Password ¢¨¸ˆÅ¥œ¸ ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£Ê. ID and Forgot Password option available at above
mentioned website.
”úŸ¸¾’ ¬¨¸³Åœ¸ Ÿ¸Ê œÏ¢÷¸ž¸»¢÷¸¡¸¸Â š¸¸¢£÷¸ ˆÅ£›¸½ ¨¸¸¥¸½ ¨¸¾¡¸¢Æ÷¸ˆÅ ©¸½¡¸£š¸¸£ˆÅ¸Ê
ˆ½Å ¢¥¸‡ ‡›¸‡¬¸”ú‡¥¸ ‡¨¸¿ ¬¸ú”ú‡¬¸‡¥¸ ¸¾¬¸½ ¢”œ¸¸Á¢¸’£¸Ê ˆ½Å Ÿ¸¸š¡¸Ÿ¸ Helpdesk for Individual Shareholders holding securities
¬¸½ ¥¸¸Á¢Š¸›¸ ˆÅ£›¸½ Ÿ¸Ê ‚¸›¸½ ¨¸¸¥¸ú ¢ˆÅ¬¸ú ž¸ú œÏˆÅ¸£ ˆÅú ˆÅ¢“›¸¸ƒÄ ˆ½Å in demat mode for any technical issues related to login
¢¥¸‡ í½¥œ¸”½¬ˆÅ. through Depository i.e. NSDL and CDSL.

¥¸¸Á¢Š¸›¸ ¬¨¸³Åœ¸ í½¥œ¸”½¬ˆÅ ¢¨¸¨¸£µ¸ Login type Helpdesk details

Individual Shareholders Members facing any technical
‡›¸‡¬¸”ú‡¥¸ Ÿ¸Ê ”úŸ¸¾’ ¬¨¸³Åœ¸ ¥¸¸Á¢Š¸›¸ ˆÅ£›¸½ Ÿ¸Ê ¢ˆÅ¬¸ú ž¸ú œÏˆÅ¸£ ˆÅú ÷¸ˆÅ›¸úˆÅú ¬¸Ÿ¸¬¡¸¸ holding securities in issue in login can contact
Ÿ¸Ê œÏ¢÷¸ž¸»¢÷¸¡¸¸Â š¸¸¢£÷¸ ˆÅ£›¸½ ‚¸›¸½ œ¸£ ¬¸™¬¡¸Š¸µ¸ evoting@nsdl.com œ¸£ demat mode with NSDL helpdesk by sending a
¨¸¸¥¸½ ¨¸¾¡¸¢Æ÷¸ˆÅ ©¸½¡¸£š¸¸£ˆÅ ‚œ¸›¸¸ ‚›¸º£¸½š¸ ž¸½¸ˆÅ£ ‚˜¸¨¸¸ 022-4886-7000 NSDL request at evoting@nsdl.com
ˆÅ¸½ ˆÅ¸Á¥¸ ˆÅ£ ‡›¸‡¬¸”ú‡¥¸ ˆÅú í½¥œ¸”½¬ˆÅ ¬¸½ ¬¸¿œ¸ˆÄÅ or call at 022-4886-7000
ˆÅ£Ê. Individual Shareholders Members facing any technical
holding securities in issue in login can contact
¬¸ú”ú‡¬¸‡¥¸ Ÿ¸Ê ”úŸ¸¾’ ¬¨¸³Åœ¸ ¥¸¸Á¢Š¸›¸ ˆÅ£›¸½ Ÿ¸Ê ¢ˆÅ¬¸ú ž¸ú œÏˆÅ¸£ ˆÅú ÷¸ˆÅ›¸úˆÅú ¬¸Ÿ¸¬¡¸¸ demat mode with CDSL helpdesk by sending a
Ÿ¸Ê œÏ¢÷¸ž¸»¢÷¸¡¸¸Â š¸¸¢£÷¸ ˆÅ£›¸½ ‚¸›¸½ œ¸£ ¬¸™¬¡¸Š¸µ¸ helpdesk.evoting@ CDSL request at helpdesk.evoting@
¨¸¸¥¸½ ¨¸¾¡¸¢Æ÷¸ˆÅ ©¸½¡¸£š¸¸£ˆÅ cdslindia.com œ¸£ ‚œ¸›¸¸ ‚›¸º£¸½š¸ ž¸½¸ˆÅ£ ‚˜¸¨¸¸ cdslindia.com or contact at toll
’¸½¥¸ üÅú ›¸¿¤¸£ 1800 22 55 33 ˆÅ¸½ ˆÅ¸Á¥¸ ˆÅ£ free no. 1800 22 55 33
¬¸ú”ú‡¬¸‡¥¸ ˆÅú í½¥œ¸”½¬ˆÅ ¬¸½ ¬¸¿œ¸ˆÄÅ ˆÅ£Ê.
B) Login Method for e-Voting and joining virtual
‚¸) ”úŸ¸¾’ ¬¨¸³Åœ¸ Ÿ¸Ê œÏ¢÷¸ž¸»¢÷¸¡¸¸Â £‰¸›¸½ ¨¸¸¥¸½ Š¸¾£-¨¸¾¡¸¢Æ÷¸ˆÅ ©¸½¡¸£š¸¸£ˆÅ¸Ê meeting for shareholders other than Individual
‚¸¾£ ž¸¸¾¢÷¸ˆÅ ¬¨¸³Åœ¸ Ÿ¸Ê œÏ¢÷¸ž¸»¢÷¸¡¸¸Â £‰¸›¸½ ¨¸¸¥¸½ ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆ½Å shareholders holding securities in demat mode
¢¥¸‡ ƒÄ-¨¸¸½¢’¿Š¸/ ¨¸¸ºÄ‚¥¸ ¤¸¾“ˆÅ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ í¸½›¸½ ˆ½Å ¢¥¸‡ ¥¸¸Á¢Š¸›¸ and shareholders holding securities in physical
œ¸Ö¢÷¸ mode..
How to Log-in to NSDL e-Voting website?
‡›¸‡¬¸”ú‡¥¸ ƒÄ-¨¸¸½¢’¿Š¸ ¨¸½¤¸¬¸¸ƒ’ œ¸£ ¥¸¸Á¢Š¸›¸ ˆ¾Å¬¸½ ˆÅ£Ê ?
1. Visit the e-Voting website of NSDL. Open web browser by
1. ‡›¸‡¬¸”ú‡¥¸ ˆÅú ƒÄ-¨¸¸½¢’¿Š¸ ¨¸½¤¸¬¸¸ƒ’ œ¸£ ¸¸¡¸Ê. ‚œ¸›¸½ œ¸¬¸Ä›¸¥¸ ˆ¿Åœ¡¸»’£ ¡¸¸ typing the following URL: https://www.evoting.nsdl.com/
Ÿ¸¸½¤¸¸ƒ¥¸ œ¸£ ¡¸»‚¸£‡¥¸ À https://www.evoting.nsdl.com/ ’¸ƒœ¸ either on a Personal Computer or on a mobile.
ˆÅ£÷¸½ íº‡ ¨¸½¤¸ ¤Ï¸„{¸£ ‰¸¸½¥¸Ê.
2. Once the home page of e-Voting system is launched, click
2. ƒÄ-¨¸¸½¢’¿Š¸ œÏµ¸¸¥¸ú ˆÅ¸ í¸½Ÿ¸ œ¸¼«“ ‡ˆÅ ¤¸¸£ ‰¸º¥¸ ¸¸›¸½ œ¸£ "Login" ‚¸ƒˆÅ¸Á›¸ on the icon “Login” which is available under ‘Shareholder/
œ¸£ ¦Æ¥¸ˆÅ ˆÅ£Ê ¸¸½ "Shareholders/ Member" ‰¸¿” ˆ½Å ‚¿÷¸Š¸Ä÷¸ Member’ section.
„œ¸¥¸¤š¸ í¾. 3. A new screen will open. You will have to enter your User ID,
3. ‡ˆÅ ›¸¡¸¸ ¬ÇÅú›¸ ‰¸º¥¸½Š¸¸. ‚¸œ¸ˆÅ¸½ ‚œ¸›¸¸ ¡¸»¸£ ‚¸ƒÄ”ú, œ¸¸¬¸¨¸”Ä/ ‚¸½’úœ¸ú your Password/OTP and a Verification Code as shown on
‚¸¾£ ¬ÇÅú›¸ œ¸£ ¢™‰¸¸¡¸¸ Š¸¡¸¸ ¬¸÷¡¸¸œ¸›¸ ˆÅ¸½” œÏ¢¨¸«’ ˆÅ£›¸¸ í¸½Š¸¸. the screen.

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 ¢¨¸ˆÅ¥œ¸ ˆ½Å ÷¸¸¾£ œ¸£, ¡¸¢™ ‚¸œ¸ ‡›¸‡¬¸”ú‡¥¸ ƒÄ¬¸½¨¸¸‚¸Ê, ‚˜¸¸Ä÷¸Ã Alternatively, if you are registered for NSDL eservices
‚¸ƒÄ”úƒÄ‡‡¬¸ ˆ½Å ¢¥¸‡ œ¸¿¸úˆ¼Å÷¸ íÿ, ÷¸¸½ ‚¸œ¸ ‚œ¸›¸½ ¨¸÷¸ÄŸ¸¸›¸ ‚¸ƒÄ”úƒÄ‡‡¬¸ i.e. IDEAS, you can log-in at https://eservices.nsdl.com/
¥¸¸Á¢Š¸›¸ ¬¸½ httpsÀ//eservices.nsdl.com/ œ¸£ ¥¸¸Á¢Š¸›¸ ˆÅ£ ¬¸ˆÅ÷¸½ íÿ. with your existing IDEAS login. Once you log-in to NSDL
‚œ¸›¸½ ¥¸¸Á¢Š¸›¸ ǽŔʢ©¸¡¸¥¸ ˆÅ¸ œÏ¡¸¸½Š¸ ˆÅ£÷¸½ íº‡ ‡›¸‡¬¸”ú‡¥¸ ƒÄ¬¸½¨¸¸‚¸Ê œ¸£ eservices after using your log-in credentials, click on
¥¸¸Á¢Š¸›¸ í¸½ ¸¸›¸½ œ¸£, e-Voting œ¸£ ¦Æ¥¸ˆÅ ˆÅ£ ‚¸œ¸ ¸£µ¸ 2, ‚˜¸¸Ä÷¸Ã e-Voting and you can proceed to Step 2 i.e. Cast your vote
"Cast your vote electronically" ˆÅú ÷¸£ûÅ ¤¸õ ¬¸ˆÅ÷¸½ íÿ. electronically.
4. ‚¸œ¸ˆ½Å ¡¸»¸£ ‚¸ƒÄ”ú ¬¸¿¤¸¿š¸ú ¢¨¸¨¸£µ¸ ›¸ú¸½ ¢™¡¸½ Š¸¡¸½ íÿÀ 4. Your User ID details are given below : :

©¸½¡¸£ š¸¸£µ¸ ˆÅ£›¸½ ˆÅú œ¸Ö¢÷¸, ‚˜¸¸Ä÷¸Ã ‚¸œ¸ˆÅ¸ ¡¸»¸£ ‚¸ƒÄ”ú í¾ À Manner of holding shares Your User ID is:
”úŸ¸¾’ (‡›¸‡¬¸”ú‡¥¸ ¡¸¸ ¬¸ú”ú‡¬¸‡¥¸) i.e. Demat (NSDL or CDSL)
¡¸¸ ž¸¸¾¢÷¸ˆÅ or Physical
ˆÅ) „›¸ ¬¸™¬¡¸¸Ê ˆ½Å ¢¥¸‡ ¢¸›¸ˆ½Å ©¸½¡¸£ 8 ˆÅ£½Æ’£ ˆÅ¸ ”úœ¸ú ‚¸ƒÄ”ú ‚¸¾£ „¬¸ˆ½Å ¤¸¸™ 8 a) For Members who 8 Character DP ID followed by 8
‡›¸‡¬¸”ú‡¥¸ Ÿ¸Ê ”úŸ¸¾’ ‰¸¸÷¸½ Ÿ¸Ê íÿ. ‚¿ˆÅ¸Ê ˆÅ¸ ŠÏ¸íˆÅ ‚¸ƒÄ”ú. hold shares in demat Digit Client ID
„™¸í£µ¸ ˆ½Å ¢¥¸‡, ¡¸¢™ ‚¸œ¸ˆÅ¸ ”úœ¸ú account with NSDL.
For example if your DP ID
‚¸ƒÄ”ú IN300*** ‚¸¾£ ŠÏ¸íˆÅ ‚¸ƒÄ”ú is IN300*** and Client ID is
12****** í¾ ÷¸¸½ ‚¸œ¸ˆÅ¸ ¡¸»¸£ ‚¸ƒÄ”ú 12****** then your user ID is
IN300***12****** í¸½Š¸¸. IN300***12******.
‰¸) „›¸ ¬¸™¬¡¸¸Ê ˆ½Å ¢¥¸‡ ¢¸›¸ˆ½Å ©¸½¡¸£ 16 ‚¿ˆÅ¸Ê ˆÅ¸ ¥¸¸ž¸¸˜¸úÄ ‚¸ƒÄ”ú
¬¸ú”ú‡¬¸‡¥¸ Ÿ¸Ê ”úŸ¸¾’ ‰¸¸÷¸½ Ÿ¸Ê íÿ. b) For Members who 16 Digit Beneficiary ID
„™¸í£µ¸ ˆ½Å ¢¥¸‡, ¡¸¢™ ‚¸œ¸ˆÅ¸ ¥¸¸ž¸¸˜¸úÄ hold shares in demat
‚¸ƒÄ”ú 12************** í¾ ÷¸¸½ ‚¸œ¸ˆÅ¸ account with CDSL. For example if your Beneficiary ID
¡¸»¸£ ‚¸ƒÄ”ú 12************** í¸½Š¸¸. is 12************** then your user ID
is 12**************
Š¸) „›¸ ¬¸™¬¡¸¸Ê ˆ½Å ¢¥¸‡ ¢¸›¸ˆ½Å œ¸¸¬¸ EVEN ¬¸¿‰¡¸¸ ‚¸¾£ „¬¸ˆ½Å ¤¸¸™ ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸
©¸½¡¸£ ž¸¸¾¢÷¸ˆÅ ³Åœ¸ Ÿ¸Ê íÿ. œ¸¿¸úˆ¼Å÷¸ ûŸ½¢¥¸¡¸¸½ ¬¸¿‰¡¸¸. c) For Members holding EVEN Number followed by Folio
„™¸í£µ¸ ˆ½Å ¢¥¸‡, ¡¸¢™ ûŸ½¢¥¸¡¸¸½ ¬¸¿‰¡¸¸ shares in Physical Number registered with the bank.
001*** í¾ ‚¸¾£ EVEN ¬¸¿‰¡¸¸ 101456 Form.
For example if folio number is
í¾ ÷¸¸½ ¡¸»¸£ ‚¸ƒÄ”ú 101456001*** í¸½Š¸¸. 001*** and EVEN is 101456 then
5. ¨¸¾¡¸¢Æ÷¸ˆÅ ©¸½¡¸£š¸¸£ˆÅ¸Ê ¬¸½ ƒ÷¸£ ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆ½Å œ¸¸¬¸¨¸”Ä ¢¨¸¨¸£µ¸ user ID is 101456001***
›¸ú¸½ ¢™‡ Š¸‡ íÿ À
5. Password details for shareholders other than Individual
ˆÅ) ¡¸¢™ ‚¸œ¸ œ¸í¥¸½ ¬¸½ íú ƒÄ-¨¸¸½¢’¿Š¸ ˆ½Å ¢¥¸‡ œ¸¿¸úˆ¼Å÷¸ íÿ, ÷¸¸½ ‚¸œ¸ ‚œ¸›¸¸ shareholders are given below:
¨¸÷¸ÄŸ¸¸›¸ œ¸¸¬¸¨¸”Ä ¥¸¸Á¢Š¸›¸ ˆ½Å ¢¥¸‡ œÏ¡¸¸½Š¸ ˆÅ£ ‚œ¸›¸¸ Ÿ¸÷¸™¸›¸ ˆÅ£
a) If you are already registered for e-Voting, then you
¬¸ˆÅ÷¸½ íÿ. can use your existing password to login and cast
‰¸) ¡¸¢™ ‚¸œ¸ ‡›¸‡¬¸”ú‡¥¸ ƒÄ-¨¸¸½¢’¿Š¸ œÏµ¸¸¥¸ú ˆÅ¸ œ¸í¥¸ú ¤¸¸£ œÏ¡¸¸½Š¸ ˆÅ£ your vote.
£í½ íÿ ÷¸¸½ ‚¸œ¸ˆÅ¸½ ž¸½¸½ Š¸‡ `œÏ¸£¿¢ž¸ˆÅ œ¸¸¬¸¨¸”Ä' ˆÅ¸½ ¢£’ïú¨¸ ˆÅ£›¸½ ˆÅú b) If you are using NSDL e-Voting system for the first
‚¸¨¸©¡¸ˆÅ÷¸¸ í¸½Š¸ú. ‚œ¸›¸¸ `œÏ¸£¿¢ž¸ˆÅ œ¸¸¬¸¨¸”Ä' ¢£’ïú¨¸ ˆÅ£›¸½ œ¸£, time, you will need to retrieve the ‘initial password’
‚¸œ¸ˆÅ¸½ `œÏ¸£¿¢ž¸ˆÅ œ¸¸¬¸¨¸”Ä' œÏ¢¨¸«’ ˆÅ£›¸¸ í¸½Š¸¸ ‚¸¾£ ƒ¬¸ˆ½Å ¤¸¸™ which was communicated to you. Once you retrieve
œÏµ¸¸¥¸ú ‚¸œ¸ˆÅ¸½ ‚¢›¸¨¸¸¡¸Ä÷¸À œ¸¸¬¸¨¸”Ä ¤¸™¥¸›¸½ ˆ½Å ¢¥¸‡ ¢›¸™½Ä©¸ ™½Š¸ú. your ‘initial password’, you need to enter the ‘initial
password’ and the system will force you to change
Š¸) ‚¸œ¸ ‚œ¸›¸¸ `œÏ¸£¿¢ž¸ˆÅ œ¸¸¬¸¨¸”Ä' ˆ¾Å¬¸½ ¢£’ïú¨¸ ˆÅ£Ê ? your password.
(i) ¡¸¢™ ‚¸œ¸ˆÅ¸ ƒÄŸ¸½¥¸ ‚¸ƒÄ”ú ‚¸œ¸ˆ½Å ”úŸ¸¾’ ‰¸¸÷¸½ Ÿ¸Ê ¡¸¸
c) How to retrieve your ‘initial password’?
¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ œ¸¿¸úˆ¼Å÷¸ í¾ ÷¸¸½ ‚¸œ¸ˆÅ¸ `œÏ¸£¿¢ž¸ˆÅ œ¸¸¬¸¨¸”Ä'
‚¸œ¸ˆ½Å ƒÄŸ¸½¥¸ ‚¸ƒÄ”ú œ¸£ ž¸½¸¸ ¸¸‡Š¸¸. ‚œ¸›¸½ Ÿ¸½¥¸¤¸¸ÁƬ¸ (i) If your email ID is registered in your demat
account or with the Bank, your ‘initial password’ is
Ÿ¸Ê ‡›¸‡¬¸”ú‡¥¸ ׸£¸ ž¸½¸½ Š¸‡ ƒÄ-Ÿ¸½¥¸ ˆÅ¸½ ‰¸¸½¸Ê. ƒÄŸ¸½¥¸
communicated to you on your email ID. Trace the
‚¸¾£ ‚’¾¸Ÿ¸Ê’, ‚˜¸¸Ä÷¸Ã œ¸ú”ú‡ûÅ ûŸƒ¥¸ ‰¸¸½¥¸Ê. œ¸ú”ú‡ûÅ email sent to you from NSDL from your mailbox.
ûŸƒ¥¸ ‰¸¸½¥¸›¸½ ˆ½Å ¢¥¸‡ œ¸¸¬¸¨¸”Ä, ‡›¸‡¬¸”ú‡¥¸ ‰¸¸÷¸½ ˆ½Å Open the email and open the attachment i.e. a .pdf
¢¥¸‡ ‚¸œ¸ˆÅ¸ 8 ‚¿ˆÅ¸Ê ˆÅ¸ ŠÏ¸íˆÅ ‚¸ƒÄ”ú, ¬¸ú”ú‡¬¸‡¥¸ ‰¸¸÷¸½ file. Open the .pdf file. The password to open the
ˆ½Å ¢¥¸‡ ŠÏ¸íˆÅ ‚¸ƒÄ”ú ˆ½Å ‚¿¢÷¸Ÿ¸ 8 ‚¿ˆÅ ‚˜¸¨¸¸ ž¸¸¾¢÷¸ˆÅ .pdf file is your 8 digit client ID for NSDL account,
³Åœ¸ Ÿ¸Ê š¸¸¢£÷¸ ©¸½¡¸£¸Ê ˆ½Å ¢¥¸‡ ûŸ½¢¥¸‚¸½ ¬¸¿‰¡¸¸ í¾. œ¸ú”ú‡ûÅ last 8 digits of client ID for CDSL account or folio
number for shares held in physical form. The .pdf file
ûŸƒ¥¸ Ÿ¸Ê ‚¸œ¸ˆ½Å `¡¸»¸£ ‚¸ƒÄ”ú' ‚¸¾£ `œÏ¸£¿¢ž¸ˆÅ œ¸¸¬¸¨¸”Ä'
contains your ‘User ID’ and your ‘initial password’.
í¸ÊŠ¸½.
(ii) If your email ID is not registered, please follow steps
(ii) ¡¸¢™ ‚¸œ¸ˆÅ¸ ƒÄŸ¸½¥¸ ‚¸ƒÄ”ú œ¸¿¸úˆ¼Å÷¸ ›¸íú¿ í¾, ÷¸¸½ ‚¸œ¸ ›¸ú¸½ mentioned below in process for those shareholders
„›¸ ©¸½¡¸£š¸¸£ˆÅ¸Ê ¬¸¿¤¸¿š¸ú œÏ¢ÇÅ¡¸¸‚¸Ê Ÿ¸Ê „¦¥¥¸¢‰¸÷¸ ¸£µ¸¸Ê ˆÅ¸ whose email ids are not registered
œ¸¸¥¸›¸ ˆÅ£Ê ¢¸›¸ˆ½Å ƒÄŸ¸½¥¸ ‚¸ƒÄ”ú œ¸¿¸úˆ¼Å÷¸ ›¸íú¿ íÿ.
6. ¡¸¢™ ‚¸œ¸ œ¸¸¬¸¨¸”Ä ¢£’ïú¨¸ ›¸íú¿ ˆÅ£ œ¸¸ £í½ íÿ ¡¸¸ ‚¸œ¸ˆÅ¸½ `œÏ¸£¿¢ž¸ˆÅ œ¸¸¬¸¨¸”Ä' 6. If you are unable to retrieve or have not received the “ Initial
œÏ¸œ÷¸ ›¸íú¿ íº‚¸ í¾ ¡¸¸ ‚¸œ¸ ‚œ¸›¸¸ œ¸¸¬¸¨¸”Ä ž¸»¥¸ Š¸‡ íÿ ÷¸¸½À password” or have forgotten your password:

12
 ˆÅ) www.evoting.nsdl.com œ¸£ „œ¸¥¸¤š¸ ¢¨¸ˆÅ¥œ¸ ``Forgot a) Click on “Forgot User Details/Password?”(If you are
User Details/Password?'' œ¸£ ¦Æ¥¸ˆÅ ˆÅ£Ê (¡¸¢™ ‚¸œ¸ˆ½Å holding shares in your demat account with NSDL or
CDSL) option available on www.evoting.nsdl.com.
©¸½¡¸£ ‡›¸‡¬¸”ú‡¥¸ ¡¸¸ ¬¸ú”ú‡¬¸‡¥¸ ˆ½Å œ¸¸¬¸ ”úŸ¸¾’ ‰¸¸÷¸½ Ÿ¸Ê íÿ).
b) Physical User Reset Password?” (If you are holding
‰¸) www.evoting.nsdl.com œ¸£ ``Physical User Reset
shares in physical mode) option available on
Password?'' ¢¨¸ˆÅ¥œ¸ „œ¸¥¸¤š¸ í¾ (¡¸¢™ ‚¸œ¸ˆ½Å ©¸½¡¸£ ž¸¸¾¢÷¸ˆÅ www.evoting.nsdl.com.
³Åœ¸ Ÿ¸Ê íÿ).
c) If you are still unable to get the password by
Š¸) ¡¸¢™ „œ¸¡¸ºÄÆ÷¸ ™¸½›¸¸Ê ¢¨¸ˆÅ¥œ¸¸Ê ¬¸½ ž¸ú ‚¸œ¸ˆÅ¸½ œ¸¸¬¸¨¸”Ä ›¸íú¿ ¢Ÿ¸¥¸÷¸¸ í¾ aforesaid two options, you can send a request at
÷¸¸½ ‚¸œ¸ ‚œ¸›¸½ ”úŸ¸¾’ ‰¸¸÷¸¸ ¬¸¿‰¡¸¸/ûŸ½¢¥¸‚¸½ ¬¸¿‰¡¸¸, ‚œ¸›¸¸ œ¸¾›¸, ›¸¸Ÿ¸ evoting@nsdl.com mentioning your demat account
‚¸¾£ œ¸¿¸úˆ¼Å÷¸ œ¸÷¸½ ˆÅ¸ „¥¥¸½‰¸ ˆÅ£÷¸½ íº‡ evoting@nsdl.com number/folio number, your PAN, your name and
œ¸£ ‚œ¸›¸¸ ‚›¸º£¸½š¸ ž¸½¸ ¬¸ˆÅ÷¸½ íÿ. your registered address etc.

‹¸) ¬¸™¬¡¸ ‡›¸‡¬¸”ú‡¥¸ ˆÅú ƒÄ-¨¸¸½¢’¿Š¸ œÏµ¸¸¥¸ú œ¸£ Ÿ¸÷¸™¸›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ d) Members can also use the OTP (One Time
‚¸½’úœ¸ú (¨¸›¸ ’¸ƒŸ¸ œ¸¸¬¸¨¸”Ä) ‚¸š¸¸¢£÷¸ ¥¸¸Á¢Š¸›¸ ˆÅ¸ ž¸ú œÏ¡¸¸½Š¸ ˆÅ£ Password) based login for casting the votes on the
e-Voting system of NSDL.
¬¸ˆÅ÷¸½ íÿ.
7. After entering your password, tick on Agree to “Terms and
7. ‚œ¸›¸¸ œ¸¸¬¸¨¸”Ä œÏ¢¨¸«’ ˆÅ£›¸½ ˆ½Å ¤¸¸™, ¸½ˆÅ ¤¸¸ÁƬ¸ œ¸£ ¸¡¸›¸ ˆÅ£÷¸½ íº‡ ¬¸íŸ¸¢÷¸ Conditions” by selecting on the check box.
ˆ½Å ¢¥¸‡ ``Agree to Terms and Conditions'' œ¸£ ¢’ˆÅ ˆÅ£Ê.
8. Now, you will have to click on “Login” button.
8. ‚¤¸ ‚¸œ¸ˆÅ¸½ ``Login'' ¤¸’›¸ œ¸£ ¦Æ¥¸ˆÅ ˆÅ£›¸¸ í¸½Š¸¸. 9. After you click on the “Login” button, Home page of
9. ``Login'' ¤¸’›¸ œ¸£ ¦Æ¥¸ˆÅ ˆÅ£›¸½ ˆ½Å ¤¸¸™ ƒÄ-¨¸¸½¢’¿Š¸ ˆÅ¸ í¸½Ÿ¸ œ¸¼«“ ‰¸º¥¸½Š¸¸. e-Voting will open.
¸£µ¸ 2 À ‡›¸‡¬¸”ú‡¥¸ ˆÅú ƒÄ-¨¸¸½¢’¿Š¸ œÏµ¸¸¥¸ú ¬¸½ ‚œ¸›¸¸ ¨¸¸½’ ƒ¥¸½Æ’︽¢›¸ˆÅ Step 2: Cast your vote electronically and join General
³Åœ¸ ¬¸½ ˆÅ£Ê ‚¸¾£ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ í¸ÊÀ Meeting on NSDL e-Voting system.
‡›¸‡¬¸”ú‡¥¸ ƒÄ-¨¸¸½¢’¿Š¸ ¬¸½ ƒ¥¸½Æ’ï¸Á¢›¸ˆÅ ³Åœ¸ ¬¸½ ‚œ¸›¸¸ Ÿ¸÷¸™¸›¸ ‚¸¾£ Ÿ¸í¸¬¸ž¸¸ How to cast your vote electronically and join General Meeting
Ÿ¸½¿ ©¸¸¢Ÿ¸¥¸ ˆ¾Å¬¸½ í¸½¿? on NSDL e-Voting system?
1. ¸£µ¸ 1 ˆ½Å ‚›¸º¬¸¸£ ¬¸ûÅ¥¸÷¸¸œ¸»¨¸ÄˆÅ ¥¸¸Á¢Š¸›¸ ˆÅ£›¸½ ˆ½Å ¤¸¸™ ‚¸œ¸ „›¸ ¬¸ž¸ú 1. After successful login at Step 1, you will be able to see all
the companies “EVEN” in which you are holding shares
ˆ¿Åœ¸¢›¸¡¸¸Ê ˆ½Å ``EVEN'' ™½‰¸ œ¸¸‡¿Š¸½, ¢¸›¸ˆ½Å ‚¸œ¸›¸½ ©¸½¡¸£ š¸¸¢£÷¸ ˆÅ£ £‰¸½ íÿ and whose voting cycle and General Meeting is in active
÷¸˜¸¸ ¢¸›¸ˆÅ¸ ¨¸¸½¢’¿Š¸ ¸ÇÅ ‚¸¾£ Ÿ¸í¸¬¸ž¸¸ ¬¸¢ÇÅ¡¸ ¦¬˜¸¢÷¸ Ÿ¸Ê íÿ. status.
2. ‚¸œ¸ „¬¸ ¤¸ÿˆÅ ˆÅ¸ ``EVEN'' ¸º›¸Ê ¢¸¬¸ˆ½Å ¢¥¸‡ ‚¸œ¸ ¢£Ÿ¸¸½’ ƒÄ-¨¸¸½¢’¿Š¸ 2. Select “EVEN” of Bank for which you wish to cast your vote
‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ Ÿ¸÷¸™¸›¸ ˆÅ£›¸¸ ¸¸í÷¸½ íÿ ÷¸˜¸¸ Ÿ¸í¸¬¸ž¸¸ ˆ½Å ™¸¾£¸›¸ Ÿ¸÷¸™¸›¸ during the remote e-Voting period and casting your vote
ˆÅ£›¸¸ ¸¸í÷¸½ íÿ. ¨¸¸ºÄ‚¥¸ ¤¸¾“ˆÅ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ í¸½›¸½ ˆ½Å ¢¥¸‡ ‚¸œ¸ˆÅ¸½ ``Join during the General Meeting. For joining virtual meeting,
General Meeting'' ˆ½Å ‚¿÷¸Š¸Ä÷¸ ``VC/OAVM'' ¢¥¸¿ˆÅ ˆÅ¸½ ¦Æ¥¸ˆÅ you need to click on “VC/OAVM” link placed under “Join
General Meeting”.
ˆÅ£›¸¸ í¸½Š¸¸.
3. Now you are ready for e-Voting as the Voting page opens.
3. ‚¤¸ ¨¸¸½¢’¿Š¸ œ¸¼«“ ‰¸º¥¸÷¸½ íú ‚¸œ¸ ƒÄ-¨¸¸½¢’¿Š¸ ˆ½Å ¢¥¸‡ ÷¸¾¡¸¸£ íÿ.
4. Cast your vote by selecting appropriate options i.e. assent
4. „œ¸¡¸ºÆ÷¸ ¢¨¸ˆÅ¥œ¸, ‚˜¸¸Ä÷¸Ã Assent ¡¸¸ Dissent (¬¸íŸ¸÷¸ ¡¸¸ ‚¬¸íŸ¸÷¸) ˆÅ¸ or dissent, verify/modify the number of shares for which
¸¡¸›¸ ˆÅ£÷¸½ íº‡ ‚œ¸›¸¸ Ÿ¸÷¸™¸›¸ ˆÅ£Ê. ‚¸œ¸ ¢¸›¸ ©¸½¡¸£¸Ê ˆ½Å ¢¥¸‡ ‚œ¸›¸¸ Ÿ¸÷¸™¸›¸ you wish to cast your vote and click on “Submit” and also
ˆÅ£›¸¸ ¸¸í÷¸½ íÿ „›¸ˆÅú ¬¸¿‰¡¸¸ ¬¸÷¡¸¸¢œ¸÷¸/¬¸¿©¸¸½¢š¸÷¸ ˆÅ£Ê ÷¸˜¸¸ ``Submit'' “Confirm” when prompted.
œ¸£ ¦Æ¥¸ˆÅ ˆÅ£Ê ‚¸¾£ ¬¸¸˜¸ íú œÏ¸ÁŸœ’ ¢ˆÅ‡ ¸¸›¸½ œ¸£ Confirm œ¸£ ¦Æ¥¸ˆÅ ˆÅ£Ê. 5. Upon confirmation, the message “Vote cast successfully”
5. œ¸º¦«’ˆÅ£µ¸ ˆ½Å ¤¸¸™, "Vote Cast Successfully" ¬¸¿™½©¸ œÏ™¢©¸Ä÷¸ í¸½Š¸¸. will be displayed.
6. ‚¸œ¸ œ¸º¦«’ˆÅ£µ¸ œ¸¼«“ œ¸£ "Print" ¢¨¸ˆÅ¥œ¸ œ¸£ ¦Æ¥¸ˆÅ ˆÅ£ ‚œ¸›¸½ ׸£¸ ¢ˆÅ‡ 6. You can also take the printout of the votes cast by you by
clicking on the print option on the confirmation page.
Š¸‡ Ÿ¸÷¸™¸›¸ ˆÅ¸ ¢œÏ¿’ ‚¸„’ ž¸ú ¥¸½ ¬¸ˆÅ÷¸½ íÿ.
7. Once you confirm your vote on the resolution, you will not
7. ¬¸¿ˆÅ¥œ¸ œ¸£ ‚œ¸›¸½ Ÿ¸÷¸™¸›¸ ˆÅú œ¸º¦«’ ˆÅ£›¸½ ˆ½Å ¤¸¸™ ‚¸œ¸ ‚œ¸›¸½ Ÿ¸÷¸™¸›¸ Ÿ¸Ê be allowed to modify your vote.
¬¸¿©¸¸½š¸›¸ ›¸íú¿ ˆÅ£ ¬¸ˆÊÅŠ¸½.
General Guidelines for shareholders
©¸½¡¸£š¸¸£ˆÅ¸Ê ˆ½Å ¢¥¸‡ ¬¸¸Ÿ¸¸›¡¸ ¢™©¸¸¢›¸™½Ä©¸
1 Institutional shareholders (i.e. other than individuals, HUF,
1. ¬¸¿¬˜¸¸Š¸÷¸ ©¸½¡¸£š¸¸£ˆÅ¸Ê (‚˜¸¸Ä÷¸Ã ¨¡¸¢Æ÷¸, ‡¸¡¸»‡ûÅ, ‡›¸‚¸£‚¸ƒÄ ‚¸¢™ NRI etc.) are required to send scanned copy (PDF/JPG
¬¸½ ƒ÷¸£) ¬¸½ ‚œ¸½®¸¸ í¾ ¢ˆÅ ¨¸½ Ÿ¸÷¸™¸›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¢¨¸¢š¸¨¸÷¸ œÏ¸¢š¸ˆ¼Å÷¸ Format) of the relevant Board Resolution/ Authority letter
í¬÷¸¸®¸£ú(¡¸¸Ê) ˆ½Å ¬¸÷¡¸¸¢œ¸÷¸ ›¸Ÿ¸»›¸¸ í¬÷¸¸®¸£, ¢¸¬¸½ Ÿ¸÷¸™¸›¸ ˆ½Å ¢¥¸‡ ‚¢š¸ˆ¼Å÷¸ etc. with attested specimen signature of the duly authorized
¢ˆÅ¡¸¸ Š¸¡¸¸ í¾, ˆ½Å ¬¸¸˜¸ ¬¸¿¤¸¿¢š¸÷¸ ¤¸¸½”Ä ¬¸¿ˆÅ¥œ¸/ œÏ¸¢š¸ˆÅ¸£ œ¸°¸ ‚¸¢™ ˆÅú ¬ˆ¾Å›¸ signatory(ies) who are authorized to vote, to the Scrutinizer
œÏ¢÷¸ (œ¸ú”ú‡ûÅ, ¸½œ¸ú¸ú ûŸÁŸ¸½Ä’ Ÿ¸Ê) ˆÅ¸½ scrutinizer@snaco.net ˆ½Å by e-mail to scrutinizer@snaco.net with a copy marked
¸¢£¡¸½ ¬¸¿¨¸ú®¸ˆÅ ˆÅ¸½ ž¸½¸Ê ‚¸¾£ „¬¸ˆÅú œÏ¢÷¸ evoting@nsdl.com ˆÅ¸½ to evoting@nsdl.com. Institutional shareholders can also
upload their Board Resolution/Power of Attorney/Authority
ž¸½¸Ê. ¬¸¿¬˜¸¸Š¸÷¸ ©¸½¡¸£š¸¸£ˆÅ ‚œ¸›¸½ ¥¸¸Á¢Š¸›¸ Ÿ¸Ê "e-Voting" ’¾¤¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ Letter, etc by clicking on “Upload Board Resolution/
œÏ™¢©¸Ä÷¸ "Upload Board Resolution/Authority/Letter" œ¸£ Authority Letter” displayed under “e-Voting” tab in their
¦Æ¥¸ˆÅ ˆÅ£ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅ¸ ¬¸¿ˆÅ¥œ¸/Ÿ¸º‰÷¸¸£›¸¸Ÿ¸¸/œÏ¸¢š¸ˆÅ¸£ú œ¸°¸ ‚¸¢™ login.
ž¸ú ‚œ¸¥¸¸½” ˆÅ£ ¬¸ˆÅ÷¸½ íÿ. 2. It is strongly recommended not to share your password
with any other person and take utmost care to keep your
2. ƒ¬¸ ¤¸¸÷¸ ˆÅú œ¸º£¸¸½£ ¢¬¸ûöŸ¢£©¸ ˆÅú ¸¸÷¸ú í¾ ¢ˆÅ ‚¸œ¸ ‚œ¸›¸¸ œ¸¸¬¸¨¸”Ä ¢ˆÅ¬¸ú password confidential. Login to the e-voting website will
‚›¡¸ ¨¡¸¢Æ÷¸ ˆÅ¸½ ›¸ ¤¸÷¸¸‡¿ ÷¸˜¸¸ „¬¸½ Š¸¸½œ¸›¸ú¡¸ £‰¸›¸½ Ÿ¸Ê œ¸»£ú ¬¸¸¨¸š¸¸›¸ú ¤¸£÷¸Ê. be disabled upon five unsuccessful attempts to key in the
¬¸íú œ¸¸¬¸¨¸”Ä œÏ¢¨¸«’ ˆÅ£›¸½ ˆ½Å œ¸¸Â¸ ‚¬¸ûÅ¥¸ œÏ¡¸¸¬¸ ˆ½Å ¤¸¸™ ƒÄ-¨¸¸½¢’¿Š¸ ¨¸½¤¸¬¸¸ƒ’ correct password. In such an event, you will need to go
œ¸£ ¥¸¸Á¢Š¸›¸ ¢›¸¦«ÇÅ¡¸ í¸½ ¸¸‡Š¸¸. ‡½¬¸ú ¦¬˜¸¢÷¸ Ÿ¸Ê ƒ¬¸½ £ú¬¸½’ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ through the “Forgot User Details/Password?” or “Physical

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 ‚¸œ¸ˆÅ¸½ www.evoting.nsdl.com ¬¸¸ƒ’ œ¸£ „œ¸¥¸¤š¸ "Forgot User User Reset Password?” option available on www.evoting.
Details/Password?" ¡¸¸ "Physical User Reset Password?" ˆ½Å nsdl.com to reset the password.
¢¨¸ˆÅ¥œ¸ œ¸£ ¸¸›¸¸ í¸½Š¸¸. 3. In case of any queries, you may refer the Frequently
Asked Questions (FAQs) for Shareholders and
3. ¢ˆÅ¬¸ú ž¸ú ¸¸›¸ˆÅ¸£ú ˆ½Å ¢¥¸‡ ‚¸œ¸ www.evoting.nsdl.com ˆ½Å e-voting user manual for Shareholders available at the
”¸„›¸¥¸¸½” ‰¸¿” Ÿ¸Ê „œ¸¥¸¤š¸ `©¸½¡¸£š¸¸£ˆÅ¸Ê ˆ½Å ¢¥¸‡ ‚¸Ÿ¸ ÷¸¸¾£ œ¸£ œ¸»Ž½ ¸¸›¸½ download section of www.evoting.nsdl.com or call
¨¸¸¥¸½ œÏ©›¸ (‡ûŇơ¸»)' ÷¸˜¸¸ `©¸½¡¸£š¸¸£ˆÅ¸Ê ˆ½Å ¢¥¸‡ ƒÄ-¨¸¸½¢’¿Š¸ Ÿ¸¾›¸º‚¥¸' on.: 022 - 4886 7000 or send a request to Mr. Sanjeev
™½‰¸ ¬¸ˆÅ÷¸½ íÿ ‚˜¸¨¸¸ 022 4886 7000 œ¸£ ˆÅ¸Á¥¸ ˆÅ£Ê ‚˜¸¨¸¸ evoting@ Yadav, Ms. Pallavi Mhatre and Mr. Amit Vishal at
nsdl.com œ¸£ ªú ¬¸¿¸ú¨¸ ¡¸¸™¨¸, ¬¸ºªú œ¸¥¥¸¨¸ú Ÿí¸°¸½ ‚¸¾£ ªú ‚¢Ÿ¸÷¸ evoting@nsdl.com
¢¨¸©¸¸¥¸ ˆÅ¸½ ‚›¸º£¸½š¸ Ÿ¸½¥¸ ž¸½¸ ¬¸ˆÅ÷¸½ íÿ.
Process for those shareholders whose email ids are not
ƒ¬¸ ›¸¸½¢’¬¸ Ÿ¸Ê ¢›¸¢™Ä«’ ¬¸¿ˆÅ¥œ¸¸Ê ˆ½Å ¢¥¸‡ ƒÄ-¨¸¸½¢’¿Š¸ ˆÅ£›¸½ í½÷¸º ¡¸»¸£ ‚¸ƒÄ”ú registered with the depositories for procuring user id and
‚¸¾£ œ¸¸¬¸¨¸”Ä œÏ¸œ÷¸ ˆÅ£›¸½ ÷¸˜¸¸ ƒÄ-Ÿ¸½¥¸ ‚¸ƒÄ”ú œ¸¿¸úˆ¼Å÷¸ ˆÅ£¸›¸½ ˆ½Å ¢¥¸‡ „›¸ password and registration of email ids for e-voting for the
©¸½¡¸£š¸¸£ˆÅ¸Ê ˆ½Å ¢¥¸‡ œÏ¢ÇÅ¡¸¸ ¢¸›¸ˆ½Å ƒÄŸ¸½¥¸ ‚¸ƒÄ”ú ¢”œ¸¸Á¢¸’¢£¡¸¸Ê ˆ½Å œ¸¸¬¸ resolutions set out in this notice:
œ¸¿¸úˆ¼Å÷¸ ›¸íú¿ íÿÀ 1. In case shares are held in physical mode please provide
1. ¡¸¢™ ©¸½¡¸£ ž¸¸¾¢÷¸ˆÅ ¬¨¸³Åœ¸ Ÿ¸Ê š¸¸¢£÷¸ íÿ ÷¸¸½ ˆ¼Åœ¸¡¸¸ ûŸ½¢¥¸¡¸¸½ ¬¸¿‰¡¸¸, Folio No., Name of shareholder, scanned copy of the share
©¸½¡¸£š¸¸£ˆÅ ˆÅ¸ ›¸¸Ÿ¸, ©¸½¡¸£ œÏŸ¸¸µ¸œ¸°¸ ˆÅú ¬ˆ¾Å›¸ œÏ¢÷¸ (Ÿ¸º‰¸œ¸¼«’ ‚¸¾£ œ¸¼«“ certificate (front and back), PAN (self-attested scanned
copy of PAN card), AADHAR (self-attested scanned copy
ž¸¸Š¸), œ¸¾›¸ (œ¸¾›¸ ˆÅ¸”Ä ˆÅú ¬¨¸-œÏŸ¸¸¢µ¸÷¸ ¬ˆ¾Å›¸ œÏ¢÷¸), ‚¸š¸¸£ (‚¸š¸¸£ ˆÅ¸”Ä of AADHAR Card) by email to idbiequity@idbi.co.in
ˆÅú ¬¨¸-œÏŸ¸¸¢µ¸÷¸ ¬ˆ¾Å›¸ œÏ¢÷¸) ƒÄŸ¸½¥¸ ¬¸½ idbiequity@idbi.co.in œ¸£
ž¸½¸Ê. 2. In case shares are held in demat mode, please provide
DPID-CLID (16 digit DPID + CLID or 16 digit beneficiary
2. ¡¸¢™ ©¸½¡¸£ ”úŸ¸¾’ ¬¨¸³Åœ¸ Ÿ¸Ê š¸¸¢£÷¸ íÿ ÷¸¸½ ˆ¼Åœ¸¡¸¸ ”úœ¸ú‚¸ƒÄ”ú -¬¸ú‡¥¸‚¸ƒÄ”ú ID), Name, client master or copy of Consolidated Account
(16 ‚¿ˆÅú¡¸ ”úœ¸ú‚¸ƒÄ”ú+ ¬¸ú‡¥¸‚¸ƒÄ”ú ‚˜¸¨¸¸ 16 ‚¿ˆÅú¡¸ ¥¸¸ž¸¸˜¸úÄ statement, PAN (self-attested scanned copy of PAN card),
‚¸ƒÄ”ú), ›¸¸Ÿ¸, ŠÏ¸íˆÅ Ÿ¸¸¬’£ ‚˜¸¨¸¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¥¸½‰¸¸ ¢¨¸¨¸£µ¸, œ¸¾›¸ (œ¸¾›¸ ˆÅ¸”Ä AADHAR (self-attested scanned copy of AADHAR Card) to
ˆÅú ¬¨¸-œÏŸ¸¸¢µ¸÷¸ ¬ˆ¾Å›¸ œÏ¢÷¸), ‚¸š¸¸£ (‚¸š¸¸£ ˆÅ¸”Ä ˆÅú ¬¨¸-œÏŸ¸¸¢µ¸÷¸ ¬ˆ¾Å›¸ idbiequity@idbi.co.in . If you are an Individual shareholder
œÏ¢÷¸) ƒÄŸ¸½¥¸ ¬¸½ idbiequity@idbi.co.in œ¸£ ž¸½¸Ê. ¡¸¢™ ‚¸œ¸ ”úŸ¸¾’ holding securities in demat mode, you are requested
¬¨¸³Åœ¸ Ÿ¸Ê œÏ¢÷¸ž¸»¢÷¸¡¸¸Â š¸¸¢£÷¸ ˆÅ£›¸½ ¨¸¸¥¸½ ¨¸¾¡¸¢Æ÷¸ˆÅ ©¸½¡¸£š¸¸£ˆÅ íÿ ÷¸¸½ ‚¸œ¸ to refer to the login method explained at step 1 (A) i.e.
¸£µ¸ 1 (‚) Ÿ¸Ê ¤¸÷¸¸ƒÄ œ¸Ö¢÷¸ ¬¸½ ¥¸¸Á¢Š¸›¸ ˆÅ£Ê ‚˜¸¸Ä÷¸ ”úŸ¸¾’ œ¸Ö¢÷¸ Ÿ¸Ê Login method for e-Voting and joining virtual meeting for
œÏ¢÷¸ž¸»¢÷¸ š¸¸£ˆÅ ¨¸¾¡¸¢Æ÷¸ˆÅ ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆ½Å ¢¥¸‡ ƒÄ-¨¸¸½¢’¿Š¸ ‚¸¾£ ¨¸¸ºÄ‚¥¸ Individual shareholders holding securities in demat mode.
¤¸¾“ˆÅ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ í¸½›¸½ ˆ½Å ¢¥¸‡ ¥¸¸Á¢Š¸›¸ œ¸Ö¢÷¸ ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£Ê. 3. Alternatively shareholder/members may send a request to
evoting@nsdl.com for procuring User ID and Password by
3. ¢¨¸ˆÅ¥œ¸ ˆ½Å ÷¸¸¾£ œ¸£ ©¸½¡¸£š¸¸£ˆÅ/¬¸™¬¡¸ …œ¸£ „¦¥¥¸¢‰¸÷¸ ™¬÷¸¸¨¸½¸ providing above mentioned documents.
„œ¸¥¸¤š¸ ˆÅ£¸÷¸½ íº‡ ¡¸»¸£ ‚¸ƒÄ”ú ÷¸˜¸¸ œ¸¸¬¸¨¸”Ä œÏ¸œ÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡
evoting@nsdl.com œ¸£ ‚›¸º£¸½š¸ ƒÄ-Ÿ¸½¥¸ ž¸½¸ ¬¸ˆÅ÷¸½ íÿ. 4. In terms of SEBI circular dated December 9, 2020 on
e-Voting facility provided by Listed Companies, Individual
4. ¬¸»¸ú¤¸Ö ˆ¿Åœ¸¢›¸¡¸¸Ê ׸£¸ ƒÄ-¨¸¸½¢’¿Š¸ ¬¸º¢¨¸š¸¸ „œ¸¥¸¤š¸ ˆÅ£¸›¸½ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¬¸½¤¸ú ˆ½Å shareholders holding securities in demat mode are allowed
¢™›¸¸¿ˆÅ 9 ¢™¬¸¿¤¸£ 2020 ˆ½Å œ¸¢£œ¸°¸ ˆ½Å ‚›¸º¬¸¸£, ”úŸ¸¾’ ¬¨¸³Åœ¸ Ÿ¸Ê œÏ¢÷¸ž¸»¢÷¸ to vote through their demat account maintained with
š¸¸£ˆÅ ¨¸¾¡¸¢Æ÷¸ˆÅ ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆÅ¸½ ¢”œ¸¸Á¢¸’£ú ¨¸ ¢”œ¸¸Á¢¸’£ú ¬¸íž¸¸Š¸ú ˆ½Å Depositories and Depository Participants. Shareholders
œ¸¸¬¸ ‰¸¸½¥¸½ Š¸‡ ”úŸ¸¾’ ‰¸¸÷¸½ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ƒÄ-¨¸¸½¢’¿Š¸ ˆÅ£›¸½ ˆÅú ‚›¸ºŸ¸¢÷¸ ™ú are required to update their mobile number and email ID
Š¸ƒÄ í¾. ƒ¬¸ ƒÄ-¨¸¸½¢’¿Š¸ ¬¸º¢¨¸š¸¸ ˆÅ¸ ¥¸¸ž¸ „“¸›¸½ ˆ½Å ¢¥¸‡ ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆÅ¸½ ‚œ¸›¸½ correctly in their demat account in order to access e-Voting
”úŸ¸¾’ ‰¸¸÷¸½ Ÿ¸Ê ‚œ¸›¸½ Ÿ¸¸½¤¸¸ƒ¥¸ ›¸¿¤¸£ ‚¸¾£ ƒÄ-Ÿ¸½¥¸ ‚¸ƒÄ”ú ˆÅ¸½ ¬¸íú ÷¸£úˆ½Å ¬¸½ facility.
‚Ô¸÷¸›¸ ˆÅ£›¸¸ í¸½Š¸¸. INSTRUCTIONS FOR MEMBERS FOR e-VOTING ON THE
¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ ˆ½Å ¢™›¸ ƒÄ-¨¸¸½¢’¿Š¸ ˆ½Å ¢¥¸‡ ¬¸™¬¡¸¸Ê í½÷¸º ‚›¸º™©½ ¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿÀ DAY OF THE AGM ARE AS UNDER:-
1. ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ ˆ½Å ¢™›¸ ƒÄ-¨¸¸½¢’¿Š¸ ˆÅú œÏ¢ÇÅ¡¸¸ ¢£Ÿ¸¸½’ ƒÄ-¨¸¸½¢’¿Š¸ ˆ½Å ¢¥¸‡ ¢™‡ 1. The procedure for e-Voting on the day of the AGM is same
Š¸‡ ‚›¸º™½©¸¸Ê ˆ½Å ¬¸Ÿ¸¸›¸ í¾. as the instructions mentioned above for remote e-voting.
2. ˆ½Å¨¸¥¸ ¨¸½ ¬¸™¬¡¸/©¸½¡¸£š¸¸£ˆÅ ¸¸½ ¨¸ú¬¸ú/‚¸½‡¨¸ú‡Ÿ¸ ¬¸º¢¨¸š¸¸ ˆ½Å ¸¢£‡ ¨¸¸¢«¸ÄˆÅ
Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê „œ¸¦¬˜¸÷¸ í¸ÊŠ¸½ ‚¸¾£ ¢¸›í¸Ê›¸½ ¢£Ÿ¸¸½’ ƒÄ-¨¸¸½¢’¿Š¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ 2. Only those Members/ shareholders, who will be present in
¬¸¿ˆÅ¥œ¸¸Ê œ¸£ Ÿ¸÷¸™¸›¸ ›¸íú¿ ¢ˆÅ‡ íÿ ÷¸˜¸¸ ¸¸½ ‚›¡¸˜¸¸ ‡½¬¸¸ ˆÅ£›¸½ ¬¸½ ¨¸¢¸Ä÷¸ ›¸íú¿ the AGM through VC/OAVM facility and have not casted
their vote on the Resolutions through remote e-Voting and
íÿ, ¨¸½ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ƒÄ-¨¸¸½¢’¿Š¸ œÏµ¸¸¥¸ú ˆ½Å ¸¢£‡ Ÿ¸÷¸™¸›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ are otherwise not barred from doing so, shall be eligible to
œ¸¸°¸ í¸ÊŠ¸½. vote through e-Voting system in the AGM.
3. ¢¸›¸ ¬¸™¬¡¸¸Ê ›¸½ ¢£Ÿ¸¸½’ ƒÄ-¨¸¸½¢’¿Š¸ ˆ½Å ¸¢£‡ Ÿ¸÷¸™¸›¸ ¢ˆÅ¡¸¸ í¾ ¨¸½ ¨¸¸¢«¸ÄˆÅ 3. Members who have voted through Remote e-Voting will
Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ž¸¸Š¸ ¥¸½›¸½ ˆ½Å ¢¥¸‡ œ¸¸°¸ í¸ÊŠ¸½. ÷¸˜¸¸¢œ¸, ¨¸½ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê be eligible to attend the AGM. However, they will not be
Ÿ¸÷¸™¸›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ œ¸¸°¸ ›¸íú¿ í¸ÊŠ¸½. eligible to vote at the AGM.
4. ‡¸ú‡Ÿ¸ ˆ½Å ¢™›¸ ƒÄ-¨¸¸½¢’¿Š¸ ¬¸º¢¨¸š¸¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¢ˆÅ¬¸ú œÏˆÅ¸£ ˆÅú ¢©¸ˆÅ¸¡¸÷¸ 4. The details of the person who may be contacted for any
ˆ½Å ¢¥¸‡ ¬¸¿œ¸ˆÄÅ ¢ˆÅ‡ ¸¸›¸½ ¨¸¸¥¸½ ¨¡¸¢Æ÷¸ ˆÅ¸ ¢¨¸¨¸£µ¸ ¨¸íú £í½Š¸¸ ¸¾¬¸¸ ¢£Ÿ¸¸½’ grievances connected with the facility for e-Voting on the
day of the AGM shall be the same person mentioned for
ƒÄ-¨¸¸½¢’¿Š¸ ˆ½Å ¢¥¸‡ „¥¥¸½‰¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. Remote e-voting.
¨¸ú¬¸ú/‚¸½‡¨¸ú‡Ÿ¸ ˆ½Å ¸¢£‡ ‡¸ú‡Ÿ¸ Ÿ¸Ê ž¸¸Š¸ ¥¸½›¸½ ˆ½Å ¢¥¸‡ ¬¸™¬¡¸¸Ê í½÷¸º
INSTRUCTIONS FOR MEMBERS FOR ATTENDING THE
‚›¸º™½©¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿÀ AGM THROUGH VC/OAVM ARE AS UNDER:
1. ¬¸™¬¡¸ ˆÅ¸½ ‡›¸‡¬¸”ú‡¥¸ ƒÄ-¨¸¸½¢’¿Š¸ œÏµ¸¸¥¸ú ˆ½Å ¸¢£‡ ¨¸ú¬¸ú/‚¸½‡¨¸ú‡Ÿ¸ ˆ½Å
1. Member will be provided with a facility to attend the
Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ‡¸ú‡Ÿ¸ Ÿ¸Ê ž¸¸Š¸ ¥¸½›¸½ ˆÅú ¬¸º¢¨¸š¸¸ „œ¸¥¸¤š¸ ˆÅ£¸ƒÄ ¸¸‡Š¸ú. ¬¸™¬¡¸ AGM through VC/OAVM through the NSDL e-Voting
‡›¸‡¬¸”ú‡¥¸ ƒÄ-¨¸¸½¢’¿Š¸ œÏµ¸¸¥¸ú ˆ½Å ¢¥¸‡ ‡Æ¬¸½¬¸ ¬¸¿¤¸¿š¸ú „œ¸¡¸ºÄÆ÷¸¸›¸º¬¸¸£ system. Members may access by following the steps
¤¸÷¸¸‡ Š¸‡ ¢›¸™½Ä©¸¸Ê ˆÅ¸ œ¸¸¥¸›¸ ˆÅ£÷¸½ íº‡ ‡Æ¬¸½¬¸ ˆÅ£ ¬¸ˆÅ÷¸½ íÿ. ¬¸ûÅ¥¸÷¸¸œ¸»¨¸ÄˆÅ mentioned above for Access to NSDL e-Voting system.
¥¸¸Á¢Š¸›¸ ˆÅ£›¸½ ˆ½Å ¤¸¸™ ‚¸œ¸ ¤¸ÿˆÅ ˆ½Å ›¸¸Ÿ¸ ˆ½Å ¬¸¸Ÿ¸›¸½ "Join Meeting" Ÿ¸½›¸»

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 ˆ½Å ‚¿÷¸Š¸Ä÷¸ "VC/OAVM" ¢¥¸¿ˆÅ ™½‰¸ÊŠ¸½. ‚¸œ¸¬¸½ ‚›¸º£¸½š¸ í¾ ¢ˆÅ "Join After successful login, you can see link of “VC/OAVM link”
Meeting" Ÿ¸½›¸» ˆ½Å ‚¿÷¸Š¸Ä÷¸ "VC/OAVM" ¢¥¸¿ˆÅ œ¸£ ¦Æ¥¸ˆÅ ˆÅ£Ê. ¨¸ú¬¸ú/ placed under “Join meeting” menu against Bank name.
You are requested to click on VC/OAVM link placed under
‚¸½‡¨¸ú‡Ÿ¸ ˆ½Å ¢¥¸‡ ¢¥¸¿ˆÅ ©¸½¡¸£š¸¸£ˆÅ/¬¸™¬¡¸ ¥¸¸Á¢Š¸›¸ Ÿ¸Ê „œ¸¥¸¤š¸ í¸½Š¸¸ ¸í¸Â Join Meeting menu. The link for VC/OAVM will be available
ˆ¿Åœ¸›¸ú ˆÅú ƒÄ¨¸úƒÄ‡›¸ œÏ™¢©¸Ä÷¸ ˆÅú ¸¸‡Š¸ú. ˆ¼Åœ¸¡¸¸ ›¸¸½’ ˆÅ£Ê ¢ˆÅ ¢¸›¸ ¬¸™¬¡¸¸Ê ˆ½Å in Shareholder/Member login where the EVEN of Company
œ¸¸¬¸ ƒÄ-¨¸¸½¢’¿Š¸ ˆ½Å ¢¥¸‡ ¡¸»¸£ ‚¸ƒÄ”ú ‚¸¾£ œ¸¸¬¸¨¸”Ä ›¸íú¿ í¾ ‚˜¸¨¸¸ ¸¸½ ¡¸»¸£ will be displayed. Please note that the members who do
‚¸ƒÄ”ú ‚¸¾£ œ¸¸¬¸¨¸”Ä ž¸»¥¸ Š¸‡ íÿ ¨¸½ ›¸¸½¢’¬¸ Ÿ¸Ê „¥¥¸½‰¸ ¢ˆÅ‡ ‚›¸º¬¸¸£ ¢£Ÿ¸¸½’ not have the User ID and Password for e-Voting or have
ƒÄ-¨¸¸½¢’¿Š¸ ‚›¸º™½©¸¸Ê ˆÅ¸ ‚›¸º¬¸£µ¸ ˆÅ£÷¸½ íº‡ ƒ›íÊ œ¸º›¸À œÏ¸œ÷¸ (¢£’ïú¨¸) ˆÅ£ ¥¸Ê forgotten the User ID and Password may retrieve the same
÷¸¸¢ˆÅ ‚¿¢÷¸Ÿ¸ ¬¸Ÿ¸¡¸ Ÿ¸Ê í¸½›¸½ ¨¸¸¥¸ú ž¸ú”õ ¬¸½ ¤¸¸¸ ¸¸ ¬¸ˆ½Å. by following the remote e-Voting instructions mentioned in
the notice to avoid last minute rush.
2. ¤¸½í÷¸£ ‚›¸ºž¸¨¸ ˆ½Å ¢¥¸‡ ¬¸™¬¡¸ ¥¸¾œ¸’¸Áœ¸ ˆ½Å ¸¢£‡ ¤¸¾“ˆÅ Ÿ¸Ê ž¸¸Š¸ ¥¸Ê.
3. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, ¬¸™¬¡¸¸Ê ˆÅ¸½ ˆ¾ÅŸ¸£½ ˆ½Å ¢¥¸‡ ‚›¸ºŸ¸¢÷¸ ™½›¸ú í¸½Š¸ú ‚¸¾£ ‚Žú 2. Members are encouraged to join the Meeting through
Laptops for better experience.
¬œ¸ú” ¨¸¸¥¸½ ƒ¿’£›¸½’ ˆÅ¸ œÏ¡¸¸½Š¸ ˆÅ£›¸¸ í¸½Š¸¸ ÷¸¸¢ˆÅ ¤¸¾“ˆÅ ˆ½Å ™¸¾£¸›¸ ¢ˆÅ¬¸ú œÏˆÅ¸£
ˆÅú ²ÅˆÅ¸¨¸’ ˆÅ¸½ ’¸¥¸¸ ¸¸ ¬¸ˆ½Å. 3. Further, Members will be required to allow Camera and use
4. ˆ¼Åœ¸¡¸¸ ›¸¸½’ ˆÅ£Ê ¢ˆÅ Ÿ¸¸½¤¸¸ƒ¥¸ „œ¸ˆÅ£µ¸¸Ê ‚˜¸¨¸¸ ’¾¤¸¥¸½’ ‚˜¸¨¸¸ Ÿ¸¸½¤¸¸ƒ¥¸ Internet with a good speed to avoid any disturbance during
the meeting.
í¸Á’¬œ¸¸Á’ ˆ½Å ¸¢£‡ ¸º”õ½ ¥¸¾œ¸’¸Áœ¸ ¬¸½ ˆÅ›¸½Æ’ í¸½›¸½ ¨¸¸¥¸½ ¬¸íž¸¸¢Š¸¡¸¸Ê ˆÅ¸½
„›¸ˆ½Å ¬¸¿¤¸¿¢š¸÷¸ ›¸½’¨¸ˆÄÅ Ÿ¸Ê „÷¸¸£-¸õ¸¨¸ ˆ½Å ˆÅ¸£µ¸ ‚¸Á¢”¡¸¸½/¨¸ú¢”¡¸¸½ ˆÅú 4. Please note that Participants Connecting from Mobile
‚›¸ºœ¸¥¸¤š¸÷¸¸ ˆÅ¸ ¬¸¸Ÿ¸›¸¸ ˆÅ£›¸¸ œ¸”õ ¬¸ˆÅ÷¸¸ í¾. ‚÷¸À ¦¬˜¸£ ¨¸¸ƒÄ-ûöŸƒÄ Devices or Tablets or through Laptop connecting via
‚˜¸¨¸¸ ¥¸¾›¸ ˆÅ›¸½Æ©¸›¸ ˆÅ¸ ƒ¬÷¸½Ÿ¸¸¥¸ ˆÅ£›¸½ ˆÅú ¢¬¸ûŸ¢£©¸ ˆÅú ¸¸÷¸ú í¾ ÷¸¸¢ˆÅ Mobile Hotspot may experience Audio/Video loss due
…œ¸£ „¥¥¸½‰¸ ˆÅú Š¸ƒÄ ¬¸Ÿ¸¬¡¸¸‚¸Ê ˆÅ¸½ ˆÅŸ¸ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆ½Å. to fluctuation in their respective network. It is therefore
recommended to use Stable Wi-Fi or LAN Connection to
5. ‡½¬¸½ ¬¸™¬¡¸ ¸¸½ ¤¸¾“ˆÅ ˆ½Å ™¸¾£¸›¸ ‚œ¸›¸½ ¢¨¸¸¸£ £‰¸›¸½/ œÏ©›¸ œ¸»Ž›¸½ ˆ½Å ƒŽºˆÅ mitigate any kind of aforesaid glitches.
íÿ, ¨¸½ ‡›¸‡¬¸”ú‡¥¸ ƒÄ-¨¸¸½¢’¿Š¸ œ¥¸½’ûöŸŸ¸Ä œ¸£ ¥¸¸Á¢Š¸›¸ ˆÅ£ˆ½Å ‚¸¾£ "Speaker
5. Members who would like to express their views or ask
Registration" ’¾¤¸ œ¸£ ¦Æ¥¸ˆÅ ˆÅ£ˆ½Å ÷¸˜¸¸ ‚œ¸›¸ú œ¸¿¸úˆ¼Å÷¸ ƒÄ-Ÿ¸½¥¸ ‚¸ƒÄ”ú, questions during AGM will have to register themselves
Ÿ¸¸½¤¸¸ƒÄ¥¸ ›¸¿¤¸£ ‚¸¾£ ©¸í£ ˆÅ¸ „¥¥¸½‰¸ ˆÅ£÷¸½ íº‡ Š¸º²Å¨¸¸£, 18 ¸º¥¸¸ƒÄ 2024 as Speaker by logging into NSDL’s e-Voting platform and
ˆÅú ¬¸º¤¸í 9.00 ¤¸¸½ ¬¸½ ©¸¢›¸¨¸¸£, 20 ¸º¥¸¸ƒÄ 2024 ˆÅú ©¸¸Ÿ¸ 5.00 ¤¸¸½ ˆÅú clicking on the tab “Speaker Registration” and mentioning
‚¨¸¢š¸ ÷¸ˆÅ ‚œ¸›¸¸ ›¸¸Ÿ¸ ¨¸Æ÷¸¸ ˆ½Å ³Åœ¸ Ÿ¸Ê œ¸¿¸úˆ¼Å÷¸ ˆÅ£¸ ¬¸ˆÅ÷¸½ íÿ. their registered e-mail id, mobile number and city during
6. ‚œ¸›¸½ ¢¨¸¸¸£ £‰¸›¸½/ œÏ©›¸ œ¸»Ž›¸½ ˆ½Å ƒŽºˆÅ ©¸½¡¸£š¸¸£ˆÅ ‚œ¸›¸½ ›¸¸Ÿ¸, ”úŸ¸¾’ the period starting from Thursday, July 18, 2024 at 9.00
‰¸¸÷¸¸ ¬¸¿‰¡¸¸/ûŸ½¢¥¸¡¸¸½ ¬¸¿‰¡¸¸, ƒÄ-Ÿ¸½¥¸ ‚¸ƒÄ”ú, Ÿ¸¸½¤¸¸ƒÄ¥¸ ›¸¿¤¸£ ˆÅ¸ „¥¥¸½‰¸ a.m. up to Saturday, July 20, 2024 at 5.00 p.m.
ˆÅ£÷¸½ íº‡ ‚œ¸›¸½ œÏ©›¸¸Ê ˆÅ¸½ ‚¢ŠÏŸ¸ ³Åœ¸ ¬¸½ ¬¸¸½Ÿ¸¨¸¸£, 15 ¸º¥¸¸ƒÄ 2024 ˆÅú 6. Shareholders who would like to express their views/ have
¬¸º¤¸í 9.00 ¤¸¸½ ¬¸½ 18 ¸º¥¸¸ƒÄ 2024 ˆÅú ©¸¸Ÿ¸ 5.00 ¤¸¸½ ÷¸ˆÅ ƒÄ-Ÿ¸½¥¸ questions may send their questions in advance mentioning
idbiequity@idbi.co.in œ¸£ ž¸½¸ ¬¸ˆÅ÷¸½ íÿ. ¤¸ÿˆÅ ׸£¸ „›¸ˆ½Å œÏ©›¸¸Ê ˆ½Å their name, demat account no/folio no, email id, mobile
¬¸Ÿ¸º¢¸÷¸ ³Åœ¸ ¬¸½ „ ¢™‡ ¸¸‡¿Š¸½. number at idbiequity@idbi.co.in from 9.00 a.m. on Monday,
July 15, 2024 till 5.00 p.m. on July 18, 2024. The same will
7. ¤¸ÿˆÅ ‡¸ú‡Ÿ¸ ˆ½Å ¬¸Ÿ¸º¢¸÷¸ ³Åœ¸ ¬¸½ ¬¸¿¸¸¥¸›¸ ˆ½Å ¢¥¸‡ ¡¸˜¸¸½¢¸÷¸ ¬¸Ÿ¸¡¸ ˆÅú be replied by the Bank suitably.
„œ¸¥¸¤š¸÷¸¸ ˆ½Å ‚¸š¸¸£ œ¸£ ¨¸Æ÷¸¸‚¸Ê ˆÅú ¬¸¿‰¡¸¸ ˆÅ¸½ œÏ¢÷¸¤¸¿¢š¸÷¸ ˆÅ£›¸½ ˆÅ¸
‚¢š¸ˆÅ¸£ £‰¸÷¸¸ í¾. ¢¸›¸ ©¸½¡¸£š¸¸£ˆÅ¸Ê ›¸½ ¨¸Æ÷¸¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ‚œ¸›¸¸ œ¸¿¸úˆÅ£µ¸ 7. The Bank reserves the right to restrict the number of
ˆÅ£¸¡¸¸ í¾, ˆ½Å¨¸¥¸ „›íú¿ ˆÅ¸½ ¤¸¾“ˆÅ ˆ½Å ™¸¾£¸›¸ ‚œ¸›¸½ ¢¨¸¸¸£ £‰¸›¸½/ œÏ©›¸ œ¸»Ž›¸½ speakers depending on the availability of time as appropriate
for smooth conduct of AGM. Those shareholders who
ˆÅú ‚›¸ºŸ¸¢÷¸ ™ú ¸¸‡Š¸ú. have registered themselves as a speaker will only be
8. ‡¸ú‡Ÿ¸ ¬¸½ œ¸í¥¸½ ¡¸¸ ƒ¬¸ˆ½Å ™¸¾£¸›¸ ¨¸ú¬¸ú/‚¸½‡¨¸ú‡Ÿ¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¢ˆÅ¬¸ú ž¸ú allowed to express their views/ask questions during the
¬¸í¸¡¸÷¸¸ ˆ½Å ¢¥¸‡ ¬¸™¬¡¸Š¸µ¸ ‡›¸‡¬¸”ú‡¥¸ ¬¸½ 022-4886-7000 œ¸£ meeting.
¬¸¿œ¸ˆÄÅ ˆÅ£Ê ‚˜¸¨¸¸ ªú ¬¸¿¸ú¨¸ ¡¸¸™¨¸ ˆÅ¸½ sanjeevy@nsdl.com œ¸£ Ÿ¸½¥¸ 8. Members who need assistance regarding VC/OAVM before
ˆÅ£Ê. or during the AGM, can contact NSDL on 022-4886-7000
‡½¬¸½ ¨¡¸¢Æ÷¸¡¸¸Ê ˆ½Å ¢¥¸‡ ƒÄ-¨¸¸½¢’¿Š¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚›¸º™½©¸, ¸¸½ ¨¸¸¢«¸ÄˆÅ or email to Mr. Sanjeev Yadav at sanjeevy@nsdl.com
Ÿ¸í¸¬¸ž¸¸ ˆÅú ¬¸»¸›¸¸ ˆ½Å œÏ½«¸µ¸ ˆ½Å ¢¥¸‡ ¢›¸¢™Ä«’ ÷¸¸£ú‰¸ ˆ½Å ¤¸¸™ ‚˜¸¸Ä÷¸Ã Instructions in respect of e-voting to persons, who have
21 ¸»›¸ 2024 ˆ½Å ¤¸¸™ ‚¸¾£ 16 ¸º¥¸¸ƒÄ 2024 ÷¸ˆÅ (¸¸½ ©¸½¡¸£š¸¸£ˆÅ¸Ê become members of the Bank after the cut-off date for
ˆ½Å Ÿ¸÷¸¸¢š¸ˆÅ¸£ ˆ½Å ¢¥¸‡ ¢›¸¢™Ä«’ ˆÅ’-‚¸ÁûÅ ÷¸¸£ú‰¸ í¾) ¤¸ÿˆÅ ˆ½Å reckoning the dispatch of AGM Notice, i.e., June 21, 2024
¬¸™¬¡¸ ¤¸›¸½ íÿ and up to July 16, 2024 (being the cut-off date reckoned for
‡½¬¸½ ¨¡¸¢Æ÷¸ ¢¸›í¸Ê›¸½ 21 ¸»›¸ 2024 (¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ ˆÅú ¬¸»¸›¸¸ ˆ½Å œÏ½«¸µ¸ voting rights of shareholders)
ˆ½Å ¢¥¸‡ ¢›¸¢™Ä«’ ÷¸¸£ú‰¸) ¬¸½ 16 ¸º¥¸¸ƒÄ 2024 ÷¸ˆÅ (¬¸™¬¡¸¸Ê ˆ½Å Ÿ¸÷¸¸¢š¸ˆÅ¸£ Persons who have acquired shares during the period from June
ˆÅú Š¸µ¸›¸¸ ˆ½Å ¢¥¸‡ ¢›¸¢™Ä«’ ÷¸¸£ú‰¸) ˆÅú ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ ©¸½¡¸£ ‚¢¸Ä÷¸ 21, 2024 (cut-off date for reckoning the dispatch of AGM Notice)
¢ˆÅ‡ íÿ ‚¸¾£ 16 ¸º¥¸¸ƒÄ 2024 ˆÅú „Æ÷¸ ¢›¸¢™Ä«’ ÷¸¸£ú‰¸ ÷¸ˆÅ ¬¸™¬¡¸ ¤¸›¸½ till July 16, 2024 (cut-off date for reckoning voting rights of
íº‡ íÿ, ¨¸½ ¢£Ÿ¸¸½’ ƒÄ-¨¸¸½¢’¿Š¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ‚œ¸›¸½ Ÿ¸÷¸¸¢š¸ˆÅ¸£ ˆÅ¸ œÏ¡¸¸½Š¸ ˆÅ£ members) and are continuing to be Members as on the said cut-
¬¸ˆÅ÷¸½ íÿ. ‡½¬¸½ ¬¸™¬¡¸ ‚œ¸›¸ú ©¸½¡¸£š¸¸¢£÷¸¸ ˆ½Å ¢¨¸¨¸£µ¸ ‚˜¸¸Ä÷¸Ã ›¸¸Ÿ¸, š¸¸¢£÷¸ off date of July 16, 2024, can exercise their voting right through
©¸½¡¸£, ûŸ½¢¥¸¡¸¸½ ¬¸¿‰¡¸¸ ¡¸¸ ”úœ¸ú ‚¸ƒÄ”ú/ Æ¥¸¸ƒ¿’ ‚¸ƒÄ”ú ¬¸¿‰¡¸¸ ‚¸¢™ ™½÷¸½ remote e-voting. Such Members may obtain the login ID and
íº‡ evoting@nsdl.com œ¸£ ‚›¸º£¸½š¸ ž¸½¸ˆÅ£ ‡›¸‡¬¸”ú‡¥¸ ¬¸½ ¥¸¸Á¢Š¸›¸ password from NSDL by sending a request to evoting@nsdl.com
‚¸ƒÄ”ú ÷¸˜¸¸ œ¸¸¬¸¨¸”Ä œÏ¸œ÷¸ ˆÅ£ ¬¸ˆÅ÷¸½ íÿ. ÷¸˜¸¸¢œ¸, ¡¸¢™ ‚¸œ¸ ¢£Ÿ¸¸½’ ƒÄ- by giving their shareholding details, viz., Name, Shares held, Folio
¨¸¸½¢’¿Š¸ ˆ½Å ¢¥¸‡ ‡›¸‡¬¸”ú‡¥¸ Ÿ¸Ê œ¸í¥¸½ ¬¸½ œ¸¿¸úˆ¼Å÷¸ íÿ ÷¸¸½ ‚¸œ¸ ‚œ¸›¸¸ ¨¸¸½’ ™½›¸½ No. or DP ID / Client ID No., etc. However, if you are already
ˆ½Å ¢¥¸‡ ‚œ¸›¸½ Ÿ¸¸¾¸»™¸ ¡¸»¸£ ‚¸ƒÄ”ú ÷¸˜¸¸ œ¸¸¬¸¨¸”Ä ˆÅ¸ œÏ¡¸¸½Š¸ ˆÅ£ ¬¸ˆÅ÷¸½ íÿ. registered with NSDL for remote e-voting, you can use your
¡¸¢™ ‚¸œ¸ ‚œ¸›¸¸ œ¸¸¬¸¨¸”Ä ž¸»¥¸ Š¸‡ íÿ ÷¸¸½ www.evoting.nsdl.com œ¸£ existing user ID and password for casting your vote. If you forgot
„œ¸¥¸¤š¸ `Forgot User Details/ Password?' ‚˜¸¨¸¸ `Physical your password, you can reset the same by using “Forgot User
User Reset Password?' ¢¨¸ˆÅ¥œ¸ ˆÅ¸ œÏ¡¸¸½Š¸ ˆÅ£ „¬¸½ £ú¬¸½’ ˆÅ£ Details/Password” or “Physical User Reset Password?” option
¬¸ˆÅ÷¸½ íÿ. available on www.evoting.nsdl.com.

15
ˆ¼Åœ¸¡¸¸ ›¸¸½’ ˆÅ£Ê ¢ˆÅÀ Please note that:

• ¬¸™¬¡¸¸Ê ˆ½Å Ÿ¸÷¸¸¢š¸ˆÅ¸£ 16 ¸º¥¸¸ƒÄ 2024 ˆÅú ¢›¸¢™Ä«’ ÷¸¸£ú‰¸ ˆÅ¸½ ¤¸ÿˆÅ ˆÅú • The voting rights of members shall be in proportion to their
¸ºˆÅ÷¸¸ ƒ¦Æ¨¸’ú ©¸½¡¸£ œ¸»¿¸ú Ÿ¸Ê „›¸ˆ½Å ©¸½¡¸£¸Ê ˆ½Å ‚›¸ºœ¸¸÷¸ Ÿ¸Ê í¸ÊŠ¸½, ¸¸½ ¤¸ÿˆÅˆÅ¸£ú shares in the paid up equity share capital of the Bank as
¢¨¸¢›¸¡¸Ÿ¸›¸ ‚¢š¸¢›¸¡¸Ÿ¸, 1949 ˆÅú š¸¸£¸ 12(2) ˆ½Å ‚›¸º¬¸¸£ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ on the cut-off date of July 16, 2024 subject to Voting Cap
œÏ¢÷¸¤¸¿¢š¸÷¸ ¨¸¸½¢’¿Š¸ ˆ¾Åœ¸ ˆ½Å ‚š¸ú›¸ í¸½Š¸¸. restrictions provided by RBI in terms of Section 12(2) of the
B.R. Act, 1949.
• ˆÅ¸½ƒÄ ž¸ú ¬¸™¬¡¸ ¢£Ÿ¸¸½’ ƒÄ-¨¸¸½¢’¿Š¸ ˆ½Å ¸¢£‡ ‚œ¸›¸½ Ÿ¸÷¸¸¢š¸ˆÅ¸£ ˆÅ¸ œÏ¡¸¸½Š¸ ˆÅ£›¸½
• A member may participate in the AGM even after exercising
ˆ½Å ¤¸¸™ ž¸ú ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ž¸¸Š¸ ¥¸½ ¬¸ˆÅ÷¸½ íÿ, ¢ˆÅ›÷¸º „›íÊ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸
his right to vote through remote e-voting but shall not be
Ÿ¸Ê ™¸½¤¸¸£¸ ¨¸¸½’ ™½›¸½ ˆÅú ‚›¸ºŸ¸¢÷¸ ›¸íú¿ í¸½Š¸ú.
allowed to vote again during the AGM.
• ¬¸íú œ¸¸¬¸¨¸”Ä œÏ¢¨¸«’ ˆÅ£›¸½ ˆ½Å œ¸¸Â¸ ‚¬¸ûÅ¥¸ œÏ¡¸¸¬¸ ˆ½Å ¤¸¸™ ƒÄ-¨¸¸½¢’¿Š¸
• Login to e-voting website will be disabled upon five
¨¸½¤¸¬¸¸ƒ’ œ¸£ ¥¸¸Á¢Š¸›¸ ¢›¸¦«ÇÅ¡¸ í¸½ ¸¸‡Š¸¸. ‡½¬¸ú ¦¬˜¸¢÷¸ Ÿ¸Ê ƒ¬¸½ £ú¬¸½’ ˆÅ£›¸½
unsuccessful attempts to key-in the correct password. In
ˆ½Å ¢¥¸‡ ¨¸½¤¸¬¸¸ƒ’ œ¸£ „œ¸¥¸¤š¸ "Forgot User Details/ Password?"
such an event, you will need to go to “Forgot User Details/
‚˜¸¨¸¸ "Physical User Reset Password?" ¢¨¸ˆÅ¥œ¸ œ¸£ ¸¸›¸¸ í¸½Š¸¸.
Password?” or “Physical User Reset Password?” option
• ‚¸œ¸ˆ½Å ¥¸¸Á¢Š¸›¸ ‚¸ƒÄ”ú ‚¸¾£ Ÿ¸¸¾¸»™¸ œ¸¸¬¸¨¸”Ä ˆÅ¸ œÏ¡¸¸½Š¸ ‚¸œ¸ˆ½Å ׸£¸ „›¸ available on the website to reset the same.
ˆ¿Åœ¸¢›¸¡¸¸Ê ׸£¸ œÏ¬÷¸º÷¸ ¬¸¿ˆÅ¥œ¸¸Ê œ¸£ ‚›¸›¡¸ ³Åœ¸ ¬¸½ ƒÄ-¨¸¸½¢’¿Š¸ ˆ½Å ¢¥¸‡ ¢ˆÅ¡¸¸ • Your login id and existing password can be used by you
¸¸ ¬¸ˆÅ÷¸¸ í¾ ¢¸›¸Ÿ¸Ê ‚¸œ¸ ©¸½¡¸£š¸¸£ˆÅ íÿ. exclusively for e-voting on the resolutions placed by the
• ƒ¬¸ ¤¸¸÷¸ ˆÅú œ¸º£¸¸½£ ¢¬¸ûöŸ¢£©¸ ˆÅú ¸¸÷¸ú í¾ ¢ˆÅ ‚¸œ¸ ‚œ¸›¸¸ œ¸¸¬¸¨¸”Ä ¢ˆÅ¬¸ú companies in which you are the shareholder.
‚›¡¸ ¨¡¸¢Æ÷¸ ˆÅ¸½ ›¸ ¤¸÷¸¸‡¿ ÷¸˜¸¸ „¬¸½ Š¸¸½œ¸›¸ú¡¸ £‰¸›¸½ Ÿ¸Ê œ¸»£ú ¬¸¸¨¸š¸¸›¸ú ¤¸£÷¸Ê. • It is strongly recommended not to share your password
• ¬¸™¬¡¸ ˆ¼Åœ¸¡¸¸ ›¸¸½’ ˆÅ£Ê ¢ˆÅ ¢£Ÿ¸¸½’ ƒÄ-¨¸¸½¢’¿Š¸ ¬¸º¢¨¸š¸¸ ¬¸¸½Ÿ¸¨¸¸£, 22 ¸º¥¸¸ƒÄ with any other person and take utmost care to keep it
2024 ˆÅ¸½ ©¸¸Ÿ¸ 5À00 ¤¸¸½ (ž¸¸£÷¸ú¡¸ Ÿ¸¸›¸ˆÅ ¬¸Ÿ¸¡¸¸›¸º¬¸¸£) ¤¸¿™ ˆÅ£ ™ú confidential.
¸¸‡Š¸ú. • Members may kindly note that, the remote e-voting facility
• ‡½¬¸½ ¬¸™¬¡¸, ¸¸½ 16 ¸º¥¸¸ƒÄ 2024 ‚˜¸¸Ä÷¸Ã ƒ¬¸ œÏ¡¸¸½¸›¸ ˆ½Å ¢¥¸‡ ¢›¸¡¸÷¸ shall be blocked forthwith on Monday, July 22, 2024 at
¢›¸¢™Ä«’ ÷¸¸£ú‰¸ ˆÅ¸½ ¤¸ÿˆÅ ˆ½Å ¬¸™¬¡¸ ›¸íú¿ í¾, ¨¸½ ƒ¬¸ ›¸¸½¢’¬¸ ˆÅ¸½ ˆ½Å¨¸¥¸ ¬¸»¸›¸¸˜¸Ä 5.00 p.m. (IST).
¬¸Ÿ¸¸ÊŠ¸½. • The persons, who are not Members of the Bank as on July
16, 2024, i.e., Cut-off date fixed for the purpose, shall treat
ƒ¬¸ ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚¸¾£ ‚¢š¸ˆÅ ¸¸›¸ˆÅ¸£ú ˆ½Å ¢¥¸‡ ‚¸œ¸ ¤¸ÿˆÅ ˆ½Å ‚¸£’ú‡ this Notice for information only.
ˆ½Å¢ûÅ›¸ ’½Æ›¸¸Á¥¸¸Á¸ú¬¸ ¢¥¸¢Ÿ¸’½” (ƒˆÅ¸ƒÄ-‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸.), œ¥¸¸Á’
For any further details in this regard, you may contact
›¸¿. 31-32, Š¸¸ú¤¸¸¾¥¸ú, ûŸƒ›¸Ê¢©¸¡¸¥¸ ¢”¦¬’ïÆ’, ›¸¸›¸ˆÅ£¸Ÿ¸Š¸º”¸, KFin Technologies Limited (Unit-IDBI Bank Ltd.), RTA
í¾™£¸¤¸¸™ - 500 032 [’¸½¥¸ üÅú ›¸¿. - 1800-345-4001, ƒÄŸ¸½¥¸À of the Bank located at Plot No. 31-32, Gachibowli,
einward.ris@kfintech.com] ‚˜¸¨¸¸ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½” Financial District, Nanakramguda, Serilingampally,
ˆ½Å œ¸¿¸úˆ¼Å÷¸ ˆÅ¸¡¸¸Ä¥¸¡¸ Ÿ¸Ê ¤¸¸½”Ä ¢¨¸ž¸¸Š¸ ˆ½Å ƒ¦Æ¨¸’ú ˆÅ®¸, 22¨¸ú¿ Ÿ¸¿¢¸¥¸, Hyderabad – 500 032 [Toll Free No.1800-309-4001,
¤¸ú ¢¨¸¿Š¸, ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’¸Á¨¸£, ”¤¥¡¸»’ú¬¸ú ˆÅ¸ÁŸœ¥¸½Æ¬¸, ˆÅûÅ œ¸£½”, E-mail: einward.ris@kfintech.com] or IDBI Bank Ltd.,
Equity Cell, Board Department, 22nd Floor, B Wing, IDBI
Ÿ¸º¿¤¸ƒÄ - 400 005 (022-66553147/2806/3062/3336) Tower, WTC Complex, Cuffe Parade, Mumbai- 400 005
‚˜¸¨¸¸ ‡›¸‡¬¸”ú‡¥¸ ’½¥¸úûŸ½›¸ ›¸¿. - 022-4886-7000 œ¸£ ¬¸¿œ¸ˆÄÅ (022- 66553147/2806/3062/3336) or NSDL - Tel. No.
ˆÅ£ÊÊ. 022-4886-7000

16. ¤¸ÿˆÅ ›¸½ ¢›¸«œ¸®¸ ‚¸¾£ œ¸¸£™©¸úÄ ÷¸£úˆ½Å ¬¸½ ƒÄ-¨¸¸½¢’¿Š¸ œÏ¢ÇÅ¡¸¸ ¬¸¿¸¸¢¥¸÷¸ ˆÅ£›¸½ 16. The Bank has appointed Ms. Aparna Gadgil or failing
her Mr. S. N. Viswanathan, Partners of M/s. S. N.
ˆ½Å ¢¥¸‡ ˆ¿Åœ¸›¸ú ¬¸½Ç½Å’£ú¸ Ÿ¸½¬¸¬¸Ä ‡¬¸.‡›¸. ‚›¸¿÷¸¬¸º¤ÏŸ¸¢µ¸¡¸›¸ ‡¿” ˆ¿Åœ¸›¸ú Ananthasubramanian & Co., Company Secretaries as the
ˆÅú ¬¸¸¸½™¸£ ¬¸ºªú ‚œ¸µ¸¸Ä Š¸¸”¢Š¸¥¸ ‚˜¸¨¸¸ „›¸ˆ½Å ›¸ £í›¸½ ˆÅú ¦¬˜¸¢÷¸ Ÿ¸Ê ªú Scrutinizer for conducting the e-voting process in a fair and
‡¬¸.‡›¸. ¢¨¸æ¸›¸¸˜¸›¸ ˆÅ¸½ ¬¸¿¨¸ú®¸ˆÅ ¢›¸¡¸ºÆ÷¸ ¢ˆÅ¡¸¸ í¾. transparent manner.

17. ¬¸¿¨¸ú®¸ˆÅ ˆÅú ¢£œ¸¸½’Ä ˆ½Å ¬¸¸˜¸ ƒÄ-¨¸¸½¢’¿Š¸ ˆ½Å œ¸¢£µ¸¸Ÿ¸ ¢™›¸¸¿ˆÅ 25 ¸º¥¸¸ƒÄ 17. The result of e-voting along with Scrutinizer’s Report will
be announced on or before July 25, 2024 by displaying
2024 ˆÅ¸½ ¡¸¸ „¬¸¬¸½ œ¸í¥¸½ ¤¸ÿˆÅ ˆÅú ¨¸½¤¸¬¸¸ƒ’ www.idbibank.in ÷¸˜¸¸ the same on Bank’s Website www.idbibank.in and NSDL’s
‡›¸‡¬¸”ú‡¥¸ ˆÅú ¨¸½¤¸¬¸¸ƒ’ www.evoting.nsdl.com œ¸£ œÏ™¢©¸Ä÷¸ website www.evoting.nsdl.com. The result of e-voting will
¢ˆÅ‡ ¸¸‡¿Š¸½. ƒÄ-¨¸¸½¢’¿Š¸ ˆ½Å œ¸¢£µ¸¸Ÿ¸ „¬¸ú ¢™›¸ ž¸¸£÷¸ú¡¸ ›¸½©¸›¸¥¸ ¬’¸ÁˆÅ also be disclosed to National Stock Exchange of India Ltd.
‡Æ¬¸¸Ê¸ ¢¥¸. ÷¸˜¸¸ ¤¸ú‡¬¸ƒÄ ¢¥¸. ˆÅ¸½ ž¸ú ¬¸»¢¸÷¸ ¢ˆÅ‡ ¸¸‡¿Š¸½. and BSE Ltd. on the same day.

÷¸÷ˆÅ¸¥¸ š¡¸¸›¸ ™½›¸½ ˆ½Å ¢¥¸‡ Ÿ¸í÷¨¸œ¸»µ¸Ä ¢’œœ¸¢µ¸¡¸¸ÂÀ IMPORTANT NOTES FOR URGENT ATTENTION:

01. ˆ¿Åœ¸›¸ú (¢›¸Š¸Ÿ¸›¸) ¢›¸¡¸Ÿ¸¸¨¸¥¸ú, 2014 ˆ½Å ¢›¸¡¸Ÿ¸ 35 ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ ˆ¿Åœ¸›¸ú 01. In terms of Section 20 of the Companies Act, 2013 read
with Rule 35 of the Companies (Incorporation) Rules, 2014
‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 20 ‚¸¾£ ˆ¿Åœ¸›¸ú (œÏ¤¸¿š¸›¸ ‡¨¸¿ œÏ©¸¸¬¸›¸) and Section 101 read with Rule 18(3) of the Companies
¢›¸¡¸Ÿ¸¸¨¸¥¸ú, 2014 ˆ½Å ¢›¸¡¸Ÿ¸ 18(3) ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ š¸¸£¸ 101 ˆÅú ©¸÷¸¸½ô ˆ½Å (Management and Administration) Rules, 2014, Members,
‚›¸º¬¸¸£, „›¸ ¬¸ž¸ú ¬¸™¬¡¸¸Ê ¬¸½, ¢¸›í¸Ê›¸½ ‚œ¸›¸¸ ƒÄ-Ÿ¸½¥¸ ‚¸ƒÄ”ú ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ who have not registered / updated their e-mail id(s) with
œ¸¿¸úˆ¼Å÷¸/ ‚Ô¸÷¸›¸ ›¸íú¿ ˆÅ£¨¸¸¡¸¸ í¾, ‚›¸º£¸½š¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢ˆÅ ¨¸½ „œ¸¡¸ºÄÆ÷¸ the Bank are requested, to kindly provide the said details in
¢¨¸¨¸£µ¸ ž¸½¸Ê ÷¸¸¢ˆÅ ¨¸½ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¬¸½ ƒ¥¸½Æ’ï¸Á¢›¸ˆÅ ³Åœ¸ Ÿ¸Ê Ÿ¸í¸¬¸ž¸¸ order to receive Notices of General Meetings/Postal Ballot,
ˆÅú ¬¸»¸›¸¸ ‚¸¾£/œ¸¸½¬’¥¸ ¤¸¾¥¸½’/ ƒÄ-¨¸¸½¢’¿Š¸ Ÿ¸Ê ¬¸íž¸¸¢Š¸÷¸¸, ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä participate in e-Voting, receive Annual Report and / or
‚¸¾£/¡¸¸ ‚›¡¸ ¬¸»¸›¸¸‡Â œÏ¸œ÷¸ ˆÅ£ ¬¸ˆÊÅ. other communications from IDBI Bank in electronic form.

16
02. ¢™›¸¸¿ˆÅ 20 ‚œÏ¾¥¸ 2018 ˆ½Å ¬¸½¤¸ú œ¸¢£œ¸°¸ ¬¸¿. ¬¸½¤¸ú/‡¸‚¸½/‡Ÿ¸‚¸ƒÄ‚¸£ 02. In terms of SEBI Circular No. SEBI/HO/MIRSD/DOP1/
CIR/P/2018/73 dated April 20, 2018, in order to facilitate
‡¬¸”ú/”ú‚¸½œ¸ú1/ ¬¸ú‚¸ƒÄ‚¸£/œ¸ú/2018/73 ˆ½Å ‚›¸º¬¸¸£, ¢£{¸¨¸Ä ¤¸ÿˆÅ payment of dividend through RBI approved Electronic
׸£¸ ‚›¸ºŸ¸¸½¢™÷¸ ƒ¥¸½Æ’ï¸Á¢›¸ˆÅ ž¸ºŠ¸÷¸¸›¸ œ¸Ö¢÷¸ ¸¾¬¸½ ƒÄ¬¸ú‡¬¸ [‡¥¸ƒÄ¬¸ú‡¬¸ mode of payment such as ECS [LECS (Local ECS) /
(¬˜¸¸›¸ú¡¸ ƒÄ¬¸ú‡¬¸)/ ‚¸£ƒÄ¬¸ú‡¬¸ (®¸½°¸ú¡¸ ƒÄ¬¸ú‡¬¸)/ ‡›¸ƒÄ¬¸ú‡¬¸ (£¸«’ïú¡¸ RECS (Regional ECS) / NECS (National ECS)], NEFT
ƒÄ¬¸ú‡¬¸)], ›¸½É’ ‚¸¢™ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¥¸¸ž¸¸¿©¸ ˆ½Å ž¸ºŠ¸÷¸¸›¸ Ÿ¸Ê ¬¸º¢¨¸š¸¸ œÏ™¸›¸ etc., we request you to update your bank account details
ˆÅ£›¸½ ˆ½Å ¢¥¸‡, ퟸ ‚¸œ¸¬¸½ ‚›¸º£¸½š¸ ˆÅ£÷¸½ íÿ ¢ˆÅ ‚¸œ¸ ‚œ¸›¸½ ¬¸¿¤¸¿¢š¸÷¸ ûŸ½¢¥¸¡¸¸½/ in your respective folio/demat account. Pursuant to the
SEBI master circular no. SEBI/HO/MIRSD/POD-1/P/
”úŸ¸¾’ ‰¸¸÷¸½ Ÿ¸Ê ‚œ¸›¸½ ¤¸ÿˆÅ ‰¸¸÷¸½ ˆÅ¸ ¢¨¸¨¸£µ¸ ‚œ¸”½’ ˆÅ£Ê. ¢™›¸¸¿ˆÅ 07 Ÿ¸ƒÄ 2024 CIR/2024/37 dated May 07, 2024 & Circular No. SEBI/HO/
ˆ½Å ¬¸½¤¸ú Ÿ¸¸¬’£ œ¸¢£œ¸°¸ ¬¸¿. ¬¸½¤¸ú/‡¸‚¸½/‡Ÿ¸‚¸ƒÄ‚¸£‡¬¸”ú/œ¸ú‚¸½”ú-1/ MIRSD/POD-1/P/CIR/2024/81 dated June 10, 2024, it is
œ¸ú/¬¸ú‚¸ƒÄ‚¸£/2024/37 ‚¸¾£ ¢™›¸¸¿ˆÅ 10 ¸»›¸ 2024 ˆ½Å œ¸¢£œ¸°¸ ¬¸¿‰¡¸¸ mandatory to furnish PAN, KYC Details (including email,
¬¸½¤¸ú/‡¸‚¸½/‡Ÿ¸‚¸ƒÄ‚¸£‡¬¸”ú/œ¸ú‚¸½”ú-1/œ¸ú/¬¸ú‚¸ƒÄ‚¸£/2024/81 mobile number, specimen signature and bank account
ˆ½Å ‚›¸º¬¸¸£ œ¸¾›¸, ˆ½Å¨¸¸ƒÄ¬¸ú ¢¨¸¨¸£µ¸ (ƒÄ-Ÿ¸½¥¸, Ÿ¸¸½¤¸¸ƒ¥¸ ›¸¿¤¸£, ›¸Ÿ¸»›¸¸ í¬÷¸¸®¸£ details) in respect of physical folios. Kindly ensure these
details are updated with registrar to avail uninterrupted
‚¸¾£ ¤¸ÿˆÅ ‰¸¸÷¸¸ ¢¨¸¨¸£µ¸ ¬¸¢í÷¸) ‚¸¾£ ž¸¸¾¢÷¸ˆÅ ûŸ½¢¥¸¡¸¸½ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ›¸¸Ÿ¸¸¿ˆÅ›¸ service request and dividend credit in bank account as
ˆÅ¸ ¸¡¸›¸ œÏ¬÷¸º÷¸ ˆÅ£›¸¸ ‚¢›¸¨¸¸¡¸Ä í¾. ˆ¼Åœ¸¡¸¸ ¡¸í ¬¸º¢›¸¢ä¸÷¸ ˆÅ£Ê ¢ˆÅ ¡¸½ ¢¨¸¨¸£µ¸ no dividend will be paid to physical shareholders by way
œ¸¿¸ú¡¸ˆÅ ˆ½Å œ¸¸¬¸ ‚Ô¸¢÷¸÷¸ íÿ ÷¸¸¢ˆÅ ¢›¸¤¸¸Äš¸ ¬¸½¨¸¸ ‚›¸º£¸½š¸ ‚¸¾£ ¤¸ÿˆÅ ‰¸¸÷¸½ of issuance of physical warrant with effect from 1st April
Ÿ¸Ê ¥¸¸ž¸¸¿©¸ ǽŢ”’ í¸½›¸½ ˆÅ¸ ¥¸¸ž¸ „“¸¡¸¸ ¸¸ ¬¸ˆ½Å Æ¡¸¸Ê¢ˆÅ 1 ‚œÏ¾¥¸ 2024 2024.
¬¸½ ž¸¸¾¢÷¸ˆÅ ¨¸¸£¿’ ¸¸£ú ˆÅ£ˆ½Å ž¸¸¾¢÷¸ˆÅ ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆÅ¸½ ¢ˆÅ¬¸ú ž¸ú œÏˆÅ¸£ ˆ½Å 03. TDS on Dividend: In accordance with the provisions of the
¥¸¸ž¸¸¿©¸ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸. Income Tax Act, 1961 (“the Act”), as amended by and read
with provisions of the Finance Act, 2020, the dividends
03. ¥¸¸ž¸¸¿©¸ œ¸£ ’ú”ú‡¬¸À ¢¨¸î¸ ‚¢š¸¢›¸¡¸Ÿ¸, 2020 ׸£¸ ¡¸˜¸¸ ¬¸¿©¸¸½¢š¸÷¸ ‚¸¾£ declared and paid by a Bank are taxable in the hands of
ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ ‚¸¡¸ ˆÅ£ ‚¢š¸¢›¸¡¸Ÿ¸, 1961 (‚¢š¸¢›¸¡¸Ÿ¸) ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å the shareholders. Therefore, the Bank is required to deduct
‚›¸º¬¸¸£, ¤¸ÿˆÅ ׸£¸ ‹¸¸½¢«¸÷¸ ‚¸¾£ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ¥¸¸ž¸¸¿©¸ ©¸½¡¸£š¸¸£ˆÅ¸Ê Tax at Source (TDS) on the distribution of dividend income
at applicable rates. The TDS rate may vary depending
ˆ½Å í¸˜¸¸Ê Ÿ¸Ê ˆÅ£ ¡¸¸½Š¡¸ í¾. ƒ¬¸ú¢¥¸‡ ¤¸ÿˆÅ ˆÅ¸½ ¥¸¸Š¸» ™£¸Ê œ¸£ ¥¸¸ž¸¸¿©¸ ‚¸¡¸ upon the availability of valid PAN, residential status,
ˆ½Å ¢¨¸÷¸£µ¸ œ¸£ ¬°¸¸½÷¸ œ¸£ ˆÅ£ (’ú”ú‡¬¸) ˆÅ’¸¾÷¸ú ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ í¸½÷¸ú category of shareholder, etc. and is subject to provision of
í¾. ¨¸¾š¸ œ¸¾›¸ ˆÅú „œ¸¥¸¤š¸÷¸¸, ‚¸¨¸¸¬¸ú¡¸ ¦¬˜¸¢÷¸, ©¸½¡¸£š¸¸£ˆÅ ˆÅú ª½µ¸ú ‚¸¢™ requisite documents / declarations received by the Bank.
ˆ½Å ‚¸š¸¸£ œ¸£ ’ú”ú‡¬¸ ™£ ¢ž¸››¸ í¸½ ¬¸ˆÅ÷¸¸ í¾ ‚¸¾£ ¡¸í ¤¸ÿˆÅ ׸£¸ œÏ¸œ÷¸ Please note that these details as available on record date
‚œ¸½¢®¸÷¸ ™¬÷¸¸¨¸½¸¸Ê/ ‹¸¸½«¸µ¸¸‚¸Ê ˆ½Å œÏ¸¨¸š¸¸›¸ ˆ½Å ‚š¸ú›¸ í¾. ˆ¼Åœ¸¡¸¸ š¡¸¸›¸ ™Ê ¢ˆÅ in the Register of Members will be relied upon by the Bank,
¥¸¸Š¸» ’ú”ú‡¬¸ ˆÅ¸ ‚›¸ºœ¸¸¥¸›¸ ˆÅ£›¸½/ ˆÅ£ œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸½ ¢¨¸˜¸í¸½¥” ˆÅ£›¸½ ˆ½Å for the purpose of complying with the applicable TDS /
„Ó½©¡¸ ¬¸½ ¬¸™¬¡¸¸Ê ˆ½Å £¢¸¬’£ Ÿ¸Ê ¢£ˆÅ¸”Ä ÷¸¸£ú‰¸ ˆÅ¸½ „œ¸¥¸¤š¸ ƒ›¸ ¢¨¸¨¸£µ¸¸Ê withholding tax provisions. The detailed information on
the rate of TDS/withholding tax provisions, applicability
œ¸£ ¤¸ÿˆÅ ׸£¸ ž¸£¸½¬¸¸ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸. ¢¨¸¢ž¸››¸ ª½¢µ¸¡¸¸Ê ˆ½Å ¢¥¸‡ ’ú”ú‡¬¸ ˆÅú of exemption (if any) along with required documents for
™£/ ¢¨¸˜¸í¸½¥” ˆÅ£ œÏ¸¨¸š¸¸›¸, ‚œ¸½¢®¸÷¸ ™¬÷¸¸¨¸½¸¸Ê ˆ½Å ¬¸¸˜¸ Ž»’ ˆÅú œÏ¡¸¸½¡¸÷¸¸ various category is hosted on Bank website at https://
(¡¸¢™ ˆÅ¸½ƒÄ í¸½) ˆÅú ¢¨¸¬÷¸¼÷¸ ¸¸›¸ˆÅ¸£ú ¤¸ÿˆÅ ˆÅú ¨¸½¤¸¬¸¸ƒ’ httpsÀ//www. www.idbibank.in/
idbibank.in/ œ¸£ í¸½¬’ ˆÅú Š¸ƒÄ í¾. 04 The requisite documents (such as Form 15G/15H, TRC,
Form 10F, Self-Attested Declaration, etc.) as applicable
04. ‚¸œ¸ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ¥¸¸Š¸» ‚œ¸½¢®¸÷¸ ™¬÷¸¸¨¸½¸ (¸¾¬¸½ ûŸÁŸ¸Ä 15¸ú/15‡¸, in your case can be uploaded at https://ris.kfintech.com/
’ú‚¸£¬¸ú, ûŸÁŸ¸Ä 10‡ûÅ, ¬¨¸-¬¸÷¡¸¸¢œ¸÷¸ ‹¸¸½«¸µ¸¸, ‚¸¢™) 10 ¸º¥¸¸ƒÄ 2024 form15/ on or before July 10, 2024. Any communication
ˆÅ¸½ ¡¸¸ „¬¸¬¸½ œ¸í¥¸½ httpsÀ//ris.kfintech.com/form15/ œ¸£ received after the above mentioned cut-off date will not be
‚œ¸¥¸¸½” ¢ˆÅ‡ ¸¸ ¬¸ˆÅ÷¸½ íÿ. ¥¸¸Š¸» ˆÅ£ ˆÅú ˆÅ’¸¾÷¸ú ˆ½Å ¢¥¸‡ „œ¸¡¸ºÄÆ÷¸ ˆÅ’- considered, for deduction of applicable tax. Where copies
‚¸ÁûÅ ¢÷¸¢˜¸ ˆ½Å ¤¸¸™ œÏ¸œ÷¸ ¢ˆÅ¬¸ú ž¸ú œ¸°¸¸¸¸£ œ¸£ ¢¨¸¸¸£ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸. of the documents are required, such copies should be self-
¸í¸¿ ™¬÷¸¸¨¸½¸¸Ê ˆÅú œÏ¢÷¸¡¸¸¿ ‚œ¸½¢®¸÷¸ íÿ, ‡½¬¸ú œÏ¢÷¸¡¸¸¿ ©¸½¡¸£š¸¸£ˆÅ ¡¸¸ „¬¸ˆ½Å attested by the shareholder or its authorized signatory.
œÏ¸¢š¸ˆ¼Å÷¸ í¬÷¸¸®¸£ˆÅ÷¸¸Ä ׸£¸ ¬¨¸-¬¸÷¡¸¸¢œ¸÷¸ ˆÅú ¸¸›¸ú ¸¸¢í‡. 05 To eliminate all risks associated with physical shares and
avail various benefits of demat holding, shareholders are
05. ž¸¸¾¢÷¸ˆÅ ©¸½¡¸£¸Ê ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¬¸ž¸ú ¸¸½¢‰¸Ÿ¸¸Ê ˆÅ¸½ ™»£ ˆÅ£›¸½ ‚¸¾£ ”úŸ¸¾’ š¸¸¢£÷¸¸ requested to dematerialize the shares held by them in
ˆ½Å ¢¨¸¢¨¸š¸ ¥¸¸ž¸ „“¸›¸½ ˆ½Å ¢¥¸‡ ©¸½¡¸£š¸¸£ˆÅ¸Ê ¬¸½ ‚›¸º£¸½š¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢ˆÅ physical form. Shareholders can open demat account with
¨¸½ ‚œ¸›¸½ ׸£¸ ž¸¸¾¢÷¸ˆÅ ³Åœ¸ Ÿ¸Ê š¸¸¢£÷¸ ©¸½¡¸£¸Ê ˆÅ¸½ ƒ¥¸½Æ’︽¢›¸ˆÅ ³Åœ¸ Ÿ¸Ê š¸¸¢£÷¸ the nearest IDBI branch and avail the benefits of holding
ˆÅ£Ê. ©¸½¡¸£š¸¸£ˆÅ ‚œ¸›¸½ ›¸¸™úˆÅú ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ©¸¸‰¸¸ Ÿ¸Ê ”úŸ¸¾’ ‰¸¸÷¸¸ ‰¸¸½¥¸ shares in electronic form.
¬¸ˆÅ÷¸½ íÿ ‚¸¾£ ƒ¥¸½Æ’︽¢›¸ˆÅ ³Åœ¸ Ÿ¸Ê š¸¸¢£÷¸ ©¸½¡¸£¸Ê ˆÅ¸ ¥¸¸ž¸ „“¸ ¬¸ˆÅ÷¸½ íÿ. Explanatory Statements in respect of items of the AGM
¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ ˆÅú ¬¸»¸›¸¸ ˆÅú Ÿ¸™¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¨¡¸¸‰¡¸¸÷Ÿ¸ˆÅ ¢¨¸¨¸£µ¸ Notice
Explainatory Statement under Section 102 of the Companies
¬¸»¸›¸¸ ˆÅú Ÿ¸™ ¬¸¿. 5 ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 102
Act, 2013 in respect of Item No. 5 of the Notice.
ˆ½Å ‚š¸ú›¸ ¨¡¸¸‰¡¸¸÷Ÿ¸ˆÅ ¢¨¸¨¸£µ¸
1. Ÿ¸½¬¸¬¸Ä ¸ú.”ú. ‚¸œ’½ ‡¿” ˆ¿Åœ¸›¸ú, ¸¸’Ä”Ä ‡ˆÅ¸„›’½›’ì¸ (ûÅŸ¸Ä œ¸¿¸úˆÅ£µ¸ ¬¸¿. 1. M/s G.D. Apte & Co., Chartered Accountants (Firm Regn.
No. 100515W) and M/s Varma & Varma, Chartered
100515”¤¥¡¸») ‚¸¾£ Ÿ¸½¬¸¬¸Ä ¨¸Ÿ¸¸Ä ‡¿” ¨¸Ÿ¸¸Ä, ¸¸’Ä”Ä ‡ˆÅ¸„›’½›’ì¸ (ûÅŸ¸Ä Accountants (Firm Regn. No. 0004532S) were appointed
œ¸¿¸úˆÅ£µ¸ ¬¸¿. 0004532‡¬¸) ˆÅ¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2021-22 ¬¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä as the Joint Statutory Auditors of the Bank for three
2023-24 ÷¸ˆÅ ÷¸ú›¸ ¨¸«¸¸½ô ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆ½Å ¬¸¿¡¸ºÆ÷¸ ¬¸¸¿¢¨¸¢š¸ˆÅ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ˆ½Å years w.e.f. FY 2021-22 upto FY 2023-24. As per the
³Åœ¸ Ÿ¸Ê ¢›¸¡¸ºÆ÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸. ¨¸¸¢µ¸¦¡¸ˆÅ ¤¸ÿˆÅ¸Ê (‚¸£‚¸£¤¸ú ˆÅ¸½ Ž¸½”õˆÅ£), RBI Guidelines for Appointment of Statutory Central
¡¸»¬¸ú¤¸ú ‚¸¾£ ‡›¸¤¸ú‡ûŬ¸ú (‡¸‡ûŬ¸ú ¬¸¢í÷¸) ˆ½Å ¬¸¸¿¢¨¸¢š¸ˆÅ ˆÊÅÍú¡¸ ¥¸½‰¸¸ Auditors (SCAs)/Statutory Auditors (SAs) of Commercial
Banks (excluding RRBs), UCBs and NBFCs (including
œ¸£ú®¸ˆÅ¸Ê (‡¬¸¬¸ú‡) / ¬¸¸¿¢¨¸¢š¸ˆÅ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê (‡¬¸‡) ˆÅú ¢›¸¡¸º¢Æ÷¸ ˆ½Å HFCs) (“RBI Guidelines”), the Statutory Auditors shall be
¢¥¸‡ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£("¢£{¸¨¸Ä ¤¸ÿˆÅ ¢™©¸¸¢›¸™½Ä©¸"), appointed for a continuous term of 3 years and shall be
¬¸¸¿¢¨¸¢š¸ˆÅ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ˆÅú ¢›¸¡¸º¢Æ÷¸ 3 ¨¸«¸¸½ô ˆÅú ¢›¸£¿÷¸£ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ˆÅú reappointed annually for the succeeding two years subject
¸¸‡Š¸ú ‚¸¾£ ƒ›¸ ¢™©¸¸¢›¸™½Ä©¸¸Ê Ÿ¸Ê ¤¸÷¸¸‡ Š¸‡ œ¸¸°¸÷¸¸ Ÿ¸¸›¸™¿”¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ to them continuing to satisfy eligibility norms stated in

17
 ˆ½Å ‚š¸ú›¸ „›íÊ ‚Š¸¥¸½ ™¸½ ¨¸«¸¸½ô ˆ½Å ¢¥¸‡ ¨¸¸¢«¸ÄˆÅ ÷¸¸¾£ œ¸£ œ¸º›¸À ¢›¸¡¸ºÆ÷¸ ¢ˆÅ¡¸¸ these guidelines. In terms of the guidelines, M/s G.D. Apte
¸¸‡Š¸¸. ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£, Ÿ¸½¬¸¬¸Ä ¸ú.”ú. ‚¸œ’½ ‡¿” ˆ¿Åœ¸›¸ú, ¸¸’Ä”Ä & Co., Chartered Accountants (Firm Regn. No. 100515W
and M/s Varma & Varma, Chartered Accountants (Firm
‡ˆÅ¸„›’½›’ì¸ (ûÅŸ¸Ä œ¸¿¸úˆÅ£µ¸ ¬¸¿. 100515”¤¥¡¸») ‚¸¾£ Ÿ¸½¬¸¬¸Ä ¨¸Ÿ¸¸Ä ‡¿” Regn. No. 0004532S) have completed three years & thus
¨¸Ÿ¸¸Ä, ¸¸’Ä”Ä ‡ˆÅ¸„›’½›’ì¸ (ûÅŸ¸Ä œ¸¿¸úˆÅ£µ¸ ¬¸¿. 0004532‡¬¸) ›¸½ ÷¸ú›¸ Bank is required to make a fresh application to the RBI
¨¸«¸Ä œ¸»£½ ˆÅ£ ¢¥¸‡ íÿ ‚¸¾£ ƒ¬¸ œÏˆÅ¸£ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2024-25 ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆ½Å for appointment of Statutory Auditors of the Bank for FY
¬¸¸¿¢¨¸¢š¸ˆÅ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ˆÅú ¢›¸¡¸º¢Æ÷¸ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆÅ¸½ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆÅ¸½ ‡ˆÅ 2024-25.
›¸¡¸¸ ‚¸¨¸½™›¸ ˆÅ£›¸¸ í¾. Accordingly, the Audit Committee of the Board considered
÷¸™›¸º¬¸¸£, ¤¸¸½”Ä ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ¬¸¢Ÿ¸¢÷¸ ›¸½ Ÿ¸½¬¸¬¸Ä ¸¸½ˆÅ©¸ú ‡¿” ¸¸½ˆÅ©¸ú and recommended to the Board of Directors, the
‡¥¸‡¥¸œ¸ú (ûÅŸ¸Ä œ¸¿¸úˆÅ£µ¸ ¬¸¿. 101872”¤¥¡¸» / ”¤¥¡¸»100045) appointment of M/s Chokshi & Chokshi LLP (Firm Regn.
‚¸¾£ Ÿ¸½¬¸¬¸Ä ¬¸»£ú ‡¿” ˆ¿Åœ¸›¸ú, ¸¸’Ä”Ä ‡ˆÅ¸„›’½›’ì¸ (ûÅŸ¸Ä œ¸¿¸úˆÅ£µ¸ ¬¸¿. No. 101872W/W100045) and M/s Suri & Co., Chartered
Accountants (Firm Regn. No. 004283S) as the Joint
004283‡¬¸) ˆÅ¸½ ¤¸ú¬¸¨¸ú¿ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ ˆ½Å ¬¸Ÿ¸¸œ¸›¸ ¬¸½ ¥¸½ˆÅ£ ¤¸ÿˆÅ ˆÅú
Statutory Auditors of the Bank, to hold office for a period
¨¸«¸Ä 2027 Ÿ¸Ê ‚¸¡¸¸½¢¸÷¸ í¸½›¸½ ¨¸¸¥¸ú ÷¸½ƒÄ¬¸¨¸ú¿ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ ˆ½Å ¬¸Ÿ¸¸œ¸›¸ of 3 (Three) years from the conclusion of Twentieth Annual
÷¸ˆÅ 3 (÷¸ú›¸) ¨¸«¸¸½ô ˆÅú ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆ½Å ¬¸¿¡¸ºÆ÷¸ ¬¸¸¿¢¨¸¢š¸ˆÅ ¥¸½‰¸¸ General Meeting till the conclusion of the Twenty Third
œ¸£ú®¸ˆÅ¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ¢›¸¡¸ºÆ÷¸ ˆÅ£›¸½ œ¸£ ¢¨¸¸¸£ ¢ˆÅ¡¸¸ ‚¸¾£ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅ¸½ Annual General Meeting of the Bank to be held in year 2027,
¢¬¸ûŸ¢£©¸ ˆÅú, ¸¸½ ƒ¬¸ ˆÅ¸¡¸ÄˆÅ¸¥¸ ˆ½Å ™¸¾£¸›¸ œÏ÷¡¸½ˆÅ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ¢£{¸¨¸Ä ¤¸ÿˆÅ subject to the approval of the RBI for each year during this
ˆ½Å ‚›¸ºŸ¸¸½™›¸ ˆ½Å ‚š¸ú›¸ í¸½Š¸¸, ¢¸¬¸Ÿ¸Ê ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸/ ¤¸¸½”Ä ˆÅú ¥¸½‰¸¸ œ¸£ú®¸¸ tenure, with power to the Board/ Audit Committee of the
¬¸¢Ÿ¸¢÷¸ ˆÅ¸½ ¢£{¸¨¸Ä ¤¸ÿˆÅ ‚¸¾£ / ¢ˆÅ¬¸ú ‚›¡¸ œÏ¸¢š¸ˆÅ£µ¸ ׸£¸ ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ‡ Board, thereof, to alter and vary the terms and conditions
of appointment, etc., including by reason of necessity on
Š¸‡ ‚¸¨¸©¡¸ˆÅ ˆÅ¸£µ¸ ˆÅú ©¸÷¸¸½ô ¬¸¢í÷¸ ¢›¸¡¸º¢Æ÷¸ ˆÅú ©¸÷¸¸½ô ‚¸¾£ ¢›¸¤¸¿š¸›¸¸Ê Ÿ¸Ê
account of conditions as may be stipulated by the RBI and
œ¸¢£¨¸÷¸Ä›¸ ‚¸¾£ ‚¿÷¸£ ˆÅ£›¸½ ˆÅú ©¸¢Æ÷¸ í¸½Š¸ú. / or any other authority.
ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 141 ‚¸¾£ ¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ¸¸£ú ¢ˆÅ‡
M/s Chokshi & Chokshi LLP (Firm Regn. No. 101872W/
Š¸‡ ¥¸¸Š¸» ¢›¸¡¸Ÿ¸¸Ê ‚¸¾£ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸ºœ¸¸¥¸›¸ Ÿ¸Ê Ÿ¸½¬¸¬¸Ä ¸¸½ˆÅ©¸ú ‡¿” W100045) and M/s Suri & Co., Chartered Accountants
¸¸½ˆÅ©¸ú ‡¥¸‡¥¸œ¸ú (ûÅŸ¸Ä œ¸¿¸úˆÅ£µ¸ ¬¸¿. 101872”¤¥¡¸» / ”¤¥¡¸»100045) (Firm Regn. No. 004283S) have confirmed their eligibility
‚¸¾£ Ÿ¸½¬¸¬¸Ä ¬¸»£ú ‡¿” ˆ¿Åœ¸›¸ú, ¸¸’Ä”Ä ‡ˆÅ¸„›’½›’ì¸ (ûÅŸ¸Ä œ¸¿¸úˆÅ£µ¸ ¬¸¿. to be appointed as Joint Statutory Auditors in terms of
004283‡¬¸) ›¸½ ¬¸¿¡¸ºÆ÷¸ ¬¸¸¿¢¨¸¢š¸ˆÅ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ¢›¸¡¸ºÆ÷¸ í¸½›¸½ Section 141 of the Companies Act, 2013 and applicable
ˆ½Å ¢¥¸‡ ‚œ¸›¸ú œ¸¸°¸÷¸¸ ˆÅú œ¸º¦«’ ˆÅú í¾. ƒ¬¸ˆ½Å ‚¢÷¸¢£Æ÷¸, ¢£{¸¨¸Ä ¤¸ÿˆÅ ›¸½ Rules and the guidelines issued by the RBI. Further, the
22 ‚œÏ¾¥¸ 2024 ˆ½Å ‚œ¸›¸½ œ¸°¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ Ÿ¸½¬¸¬¸Ä ¸¸½ˆÅ©¸ú ‡¿” ¸¸½ˆÅ©¸ú RBI vide its letter dated April 22, 2024 has approved the
appointment of M/s Chokshi & Chokshi LLP (Firm Regn.
‡¥¸‡¥¸œ¸ú (ûÅŸ¸Ä œ¸¿¸úˆÅ£µ¸ ¬¸¿. 101872W/W100045) ‚¸¾£ Ÿ¸½¬¸¬¸Ä
No. 101872W/W100045) and M/s Suri & Co., Chartered
¬¸»£ú ‡¿” ˆ¿Åœ¸›¸ú, ¸¸’Ä”Ä ‡ˆÅ¸„›’½›’ì¸ (ûÅŸ¸Ä œ¸¿¸úˆÅ£µ¸ ¬¸¿. 004283S) ˆÅ¸½ Accountants (Firm Regn. No. 004283S) as Joint Statutory
¢¨¸î¸ú¡¸ ¨¸«¸Ä 2024-25 ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆÅ¸ ¬¸¿¡¸ºÆ÷¸ ¬¸¸¿¢¨¸¢š¸ˆÅ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ ˆ½Å Auditors of the Bank for FY 2024-25.
³Åœ¸ Ÿ¸Ê ¢›¸¡¸º¢Æ÷¸ ˆÅ¸½ ‚›¸ºŸ¸¸½¢™÷¸ ˆÅ£ ¢™¡¸¸ í¾.
M/s Chokshi & Chokshi LLP and M/s Suri & Co., Joint
¤¸ÿˆÅ ˆ½Å ¬¸¿¡¸ºÆ÷¸ ¬¸¸¿¢¨¸¢š¸ˆÅ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ Ÿ¸½¬¸¬¸Ä ¸¸½ˆÅ©¸ú ‡¿” ¸¸½ˆÅ©¸ú Statutory Auditors of the Bank, shall be paid overall Audit
‡¥¸‡¥¸œ¸ú ‚¸¾£ Ÿ¸½¬¸¬¸Ä ¬¸»£ú ‡¿” ˆ¿Åœ¸›¸ú ˆÅ¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2024-25 ˆ½Å ¢¥¸‡ fees of ` 262.50 lakh plus reimbursement of out of pocket
` 262.50 ¥¸¸‰¸ ˆÅú ¬¸Ÿ¸ŠÏ ¥¸½‰¸¸ œ¸£ú®¸¸ ©¸º¥ˆÅ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ‚¸¾£ ` 25.20 expenses upto ` 25.20 lakh for FY 2024-25, with authority
¥¸¸‰¸ ÷¸ˆÅ ˆ½Å ûºÅ’ˆÅ£ ‰¸¸¸½ô ˆÅú œÏ¢÷¸œ¸»¢÷¸Ä ˆÅú ¸¸¡¸½Š¸ú, ¬¸¸˜¸ íú ¤¸¸½”Ä/¤¸¸½”Ä ˆÅú to the Board/ Audit Committee of the Board, to allocate
¥¸½‰¸¸ œ¸£ú®¸¸ ¬¸¢Ÿ¸¢÷¸ ˆÅ¸½ ¬¸¿¡¸ºÆ÷¸ ¬¸¸¿¢¨¸¢š¸ˆÅ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ˆ½Å ¤¸ú¸ ¬¸Ÿ¸ŠÏ the overall audit fees between the Joint Statutory Auditors,
as may be mutually agreed between the Bank and the said
¥¸½‰¸¸ œ¸£ú®¸¸ ©¸º¥ˆÅ ‚¸¨¸¿¢’÷¸ ˆÅ£›¸½ ˆÅ¸ œÏ¸¢š¸ˆÅ¸£ í¸½Š¸¸, ¸¾¬¸¸ ¢ˆÅ ¤¸ÿˆÅ ‚¸¾£ Joint Statutory Auditors, depending upon their respective
„Æ÷¸ ¬¸¿¡¸ºÆ÷¸ ¬¸¸¿¢¨¸¢š¸ˆÅ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ˆ½Å ¤¸ú¸ „›¸ˆ½Å ¬¸¿¤¸¿¢š¸÷¸ ˆÅ¸¡¸Ä®¸½°¸ ˆ½Å scope of work., and additionally out of pocket expenses,
‚¸š¸¸£ œ¸£ ‚¸¾£ ƒ¬¸ˆ½Å ‚¢÷¸¢£Æ÷¸ ûºÅ’ˆÅ£ ‰¸¸Ä, œ¸¢£¨¡¸¡¸ ‚¸¾£ ˆÅ£, ¸¸½ ž¸ú outlays and taxes as applicable.
¥¸¸Š¸» í¸Ê ‚¸œ¸¬¸ú ¬¸íŸ¸¢÷¸ ¬¸½ ÷¸¡¸ ¢ˆÅ¡¸¸ ¸¸¡¸½Š¸¸.
The Board of Directors recommends passing of the Ordinary
¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ‡¸ú‡Ÿ¸ ˆÅú ¬¸»¸›¸¸ ˆÅú Ÿ¸™ ¬¸¿. 5 Ÿ¸Ê ¢™¡¸¸ Š¸¡¸¸ ¬¸¸Ÿ¸¸›¡¸ Resolution as contained at Item No. 5 of the AGM Notice.
¬¸¿ˆÅ¥œ¸ œ¸¸¢£÷¸ ˆÅ£›¸½ ˆÅú ¢¬¸ûŸ¢£©¸ ˆÅ£÷¸¸ í¾. ¤¸ÿˆÅ ˆÅ¸ ˆÅ¸½ƒÄ ž¸ú ¢›¸™½©¸ˆÅ, None of the Directors, Key Managerial Personnel and their
Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ ¡¸¸ „›¸ˆ½Å ¬¸¿¤¸¿š¸ú, œÏ÷¡¸®¸ ¡¸¸ œ¸£¸½®¸ ³Åœ¸ ¬¸½, ƒ¬¸ relatives, are whether directly or indirectly, concerned or
¬¸¿ˆÅ¥œ¸ ˆÅ¸½ œ¸¸¢£÷¸ ˆÅ£¨¸¸›¸½ Ÿ¸Ê ¢¨¸î¸ú¡¸ ¡¸¸ ‚›¡¸ œÏˆÅ¸£ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¡¸¸ ¢í÷¸¤¸Ö interested, financial or otherwise in the passing of this
›¸íú¿ íÿ. resolution

2. ¬¸»¸›¸¸ ˆÅú Ÿ¸™ ¬¸¿. 6 ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 2. Explanatory Statement under Section 102 of the
102 ˆ½Å ‚š¸ú›¸ ¨¡¸¸‰¡¸¸÷Ÿ¸ˆÅ ¢¨¸¨¸£µ¸ Companies Act, 2013 in respect of Item No. 6 of the
Notice
ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 (“‚¢š¸¢›¸¡¸Ÿ¸”) ˆÅú š¸¸£¸ 188 ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å
‚›¸º¬¸¸£ ¬¨¸÷¸¿°¸ ¬¸¿¨¡¸¨¸í¸£ ‚¸š¸¸£ œ¸£ ‚¸¾£ ˆÅ¸£¸½¤¸¸£ ˆ½Å ¬¸¸Ÿ¸¸›¡¸ ‚›¸ºÇÅŸ¸ As per the provisions of Section 188 of the Companies Act,
2013 (the “Act”), transactions with related parties which
Ÿ¸Ê ¬¸¿¤¸¿¢š¸÷¸ œ¸®¸¸Ê ¬¸½ ¢ˆÅ‡ ¸¸›¸½ ¨¸¸¥¸½ ¬¸¿¨¡¸¨¸í¸£¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½ ©¸½¡¸£š¸¸£ˆÅ¸Ê are on an arm’s length basis and in the ordinary course of
¬¸½ œ¸»¨¸¸Ä›¸ºŸ¸¸½™›¸ œÏ¸œ÷¸ ˆÅ£›¸½ ˆÅú ‚¢›¸¨¸¸¡¸Ä÷¸¸ ¬¸½ Ž»’ œÏ¸œ÷¸ íÿ. ÷¸˜¸¸¢œ¸ ¡¸¢™ business, are exempted from the obligation of obtaining
‡½¬¸½ ¬¸¿¨¡¸¨¸í¸£ ÷¸¸¦÷¨¸ˆÅ œÏˆ¼Å¢÷¸ ˆ½Å í¸Ê ÷¸¸½ „›¸ˆ½Å ¢¥¸‡ ¬¸½¤¸ú ¬¸»¸ú¤¸Ö÷¸¸ prior approval of shareholders. However, such transactions,
¢¨¸¢›¸¡¸Ÿ¸¸¨¸¥¸ú ˆ½Å ¢¨¸¢›¸¡¸Ÿ¸ 23(4) ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆÅú ‚œ¸½®¸¸‚¸Ê ˆ½Å ‚›¸º¬¸¸£ if material, require prior approval of shareholders by way
¬¸¸š¸¸£µ¸ ¬¸¿ˆÅ¥œ¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆÅ¸ œ¸»¨¸¸Ä›¸ºŸ¸¸½™›¸ ‚¢›¸¨¸¸¡¸Ä í¸½Š¸¸, ž¸¥¸½ of an ordinary resolution, notwithstanding the fact that the
same are at an arm’s length basis and in the ordinary course

18
íú ‡½¬¸½ ¬¸¿¨¡¸¨¸í¸£ ¬¨¸÷¸¿°¸ ¬¸¿¨¡¸¨¸í¸£ ‚¸š¸¸£ œ¸£ ‚¸¾£ ˆÅ¸£¸½¤¸¸£ ˆ½Å ¬¸¸Ÿ¸¸›¡¸ of business, as per the requirements of the provisions of
‚›¸ºÇÅŸ¸ Ÿ¸Ê ¢ˆÅ‡ Š¸‡ í¸Ê. Regulation 23(4) of the SEBI Listing Regulations.

1 ‚œÏ¾¥¸ 2022 ¬¸½ ¬¸½¤¸ú ¬¸»¸ú¤¸Ö÷¸¸ ¢¨¸¢›¸¡¸Ÿ¸¸¨¸¥¸ú ˆ½Å ¢¨¸¢›¸¡¸Ÿ¸ 23(1) As per the amendments to clause (zc) of Regulation 2(1)
read with the proviso to Regulation 23(1) of the SEBI
ˆ½Å œ¸£¿÷¸ºˆÅ ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ ¢¨¸¢›¸¡¸Ÿ¸ 2(1) ˆ½Å ‰¸¿” (¸½”¬¸ú) Ÿ¸Ê ¢ˆÅ‡ Š¸‡ Listing Regulations, which is effective from April 1, 2022,
¬¸¿©¸¸½š¸›¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ‡ˆÅ ‚¸½£ ¬¸»¸ú¤¸Ö ƒˆÅ¸ƒÄ ¡¸¸ „¬¸ˆÅú ˆÅ¸½ƒÄ ¬¸í¸¡¸ˆÅ transactions involving transfer of resources, services or
ˆ¿Åœ¸›¸ú ÷¸˜¸¸ ™»¬¸£ú ‚¸½£ ¬¸»¸ú¤¸Ö ƒˆÅ¸ƒÄ ¡¸¸ „¬¸ˆÅú ¢ˆÅ¬¸ú ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸›¸ú ˆ½Å obligations between a listed entity or any of its subsidiaries
¬¸¿¤¸Ö œ¸®¸ ˆ½Å ¤¸ú¸ ¬¸¿¬¸¸š¸›¸¸Ê, ¬¸½¨¸¸‚¸Ê ¡¸¸ ¤¸¸š¡¸÷¸¸‚¸Ê ¬¸½ ¸º”õ½ ¥¸½›¸™½›¸¸Ê ˆÅ¸½ on one hand and a related party of the listed entity or any
"¬¸¿¤¸Ö œ¸®¸ ¥¸½›¸™½›¸" ¬¸Ÿ¸¸¸ ¸¸‡Š¸¸ ÷¸˜¸¸ œ¸¼˜¸ˆÅ ³Åœ¸ ¬¸½ ¢ˆÅ‡ Š¸‡ ¥¸½›¸™½›¸ of its subsidiaries on the other hand will be considered
as “related party transactions”, and as “material related
‚˜¸¨¸¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä Ÿ¸Ê íº‡ ¢œ¸Ž¥¸½ ¥¸½›¸™½›¸¸Ê ˆÅ¸½ ¢Ÿ¸¥¸¸ˆÅ£ ¥¸½›¸™½›¸ ˆÅú £¸¢©¸
party transactions”, if the transaction to be entered into
`  1000 ˆÅ£¸½”õ ‚˜¸¨¸¸ ¬¸»¸ú¤¸Ö ƒˆÅ¸ƒÄ ˆ½Å ¢œ¸Ž¥¸½ ¥¸½‰¸¸œ¸£ú¢®¸÷¸ ¢¨¸î¸ú¡¸ individually or taken together with previous transactions
¢¨¸¨¸£µ¸¸Ê ˆ½Å ‚›¸º¬¸¸£ „¬¸ ¬¸»¸ú¤¸Ö ƒˆÅ¸ƒÄ ˆ½Å ¨¸¸¢«¸ÄˆÅ ¬¸Ÿ¸½¢ˆÅ÷¸ ’›¸Ä‚¸½¨¸£ ˆ½Å during a financial year, exceeds `1,000 crore or 10% of
10%, ƒ›¸Ÿ¸Ê ¬¸½ ¸¸½ ž¸ú ˆÅŸ¸ í¸½, ¬¸½ ‚¢š¸ˆÅ í¸½›¸½ œ¸£ „¬¸ ¥¸½›¸™½›¸ ˆÅ¸½ "÷¸¸¦÷¨¸ˆÅ the annual consolidated turnover of the listed entity as per
¬¸¿¤¸Ö œ¸®¸ ¥¸½›¸™½›¸" Ÿ¸¸›¸¸ ¸¸‡Š¸¸. the last audited financial statements of the listed entity,
whichever is lower.
„œ¸£¸½Æ÷¸ ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸÷¸½ íº‡, ¤¸ÿˆÅ ›¸½ ‡¥¸‚¸ƒÄ¬¸ú ˆ½Å ¬¸¸˜¸ ¢ˆÅ‡ ¸¸›¸½
¨¸¸¥¸½ ÷¸¸¦÷¨¸ˆÅ ‚¸£œ¸ú’ú ˆ½Å ¢¥¸‡ 13 ¸º¥¸¸ƒÄ 2023 ˆÅ¸½ ¬¸¿œ¸››¸ 19¨¸ú¿ ¨¸¸¢«¸ÄˆÅ In view of above, the Bank obtained prior approval from
shareholders for material RPTs with LIC at the Banks' 19th
Ÿ¸í¸¬¸ž¸¸ Ÿ¸Ê ©¸½¡¸£š¸¸£ˆÅ¸Ê ¬¸½ œ¸»¨¸Ä ‚›¸ºŸ¸¸½™›¸ œÏ¸œ÷¸ ¢ˆÅ¡¸¸ ˜¸¸, ¸¸½ 20¨¸ú¿ ¨¸¸¢«¸ÄˆÅ Annual General Meeting (AGM) held on July 13, 2023
Ÿ¸í¸¬¸ž¸¸ ÷¸ˆÅ ¨¸¾š¸ £í½Š¸¸. ƒ¬¸¢¥¸‡, ¤¸ÿˆÅ ˆÅ¸½ ÷¸¸¦÷¨¸ˆÅ ‚¸£œ¸ú’ú ˆ½Å ¢¥¸‡ which will be valid till the 20th AGM. Thus the Bank requires
©¸½¡¸£š¸¸£ˆÅ¸Ê ¬¸½ ›¸¡¸¸ ‚›¸ºŸ¸¸½™›¸ œÏ¸œ÷¸ ˆÅ£›¸¸ ‚¸¨¸©¡¸ˆÅ í¾. to obtain fresh approval from the shareholders for material
¤¸ÿˆÅ ˆÅ¸£¸½¤¸¸£ ˆ½Å ¬¸¸Ÿ¸¸›¡¸ ‚›¸ºÇÅŸ¸ Ÿ¸Ê ¤¸ÿˆÅ ˆÅú ¬¸¿¤¸Ö œ¸®¸ˆÅ¸£ í¸½›¸½ ˆ½Å RPTs.
›¸¸÷¸½ ‡¥¸‚¸ƒÄ¬¸ú ¬¸½ ¬¨¸÷¸¿°¸ ¬¸¿¨¡¸¨¸í¸£ ‚¸š¸¸£ œ¸£ ‚œ¸›¸ú ¨¡¸¨¸¬¸¸¡¸ ¬¸¿¤¸¿š¸ú The Bank in the ordinary course of business engages in
‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¬¸¿¢¨¸™¸‡Â/¨¡¸¨¸¬˜¸¸‡Â/¬¸¿¨¡¸¨¸í¸£ contracts/ arrangements/ transactions (whether individual
(¸¸í½ ¨¸½ ‡ˆÅ¥¸ ¬¸¿¨¡¸¨¸í¸£ ˆ½Å ³Åœ¸ Ÿ¸Ê í¸Ê ‚˜¸¨¸¸ ˆÅƒÄ ¬¸¿¨¡¸¨¸í¸£¸Ê ˆ½Å ¬¸¦ŸŸ¸¢¥¸÷¸ transaction or transactions taken together or series of
transactions or otherwise) with LIC being a related party of
³Åœ¸ Ÿ¸Ê í¸Ê ‚˜¸¨¸¸ ¬¸¿¨¡¸í¸£¸Ê ˆÅú 帼¿‰¸¥¸¸ ˆ½Å ³Åœ¸ Ÿ¸Ê í¸Ê ‚˜¸¨¸¸ ‚›¡¸ ³Åœ¸ Ÿ¸Ê í¸Ê) the Bank, on an arms’ length basis, to meet its business
ˆÅ£÷¸¸ í¾. ‡¥¸‚¸ƒÄ¬¸ú ˆ½Å ¬¸¸˜¸ œÏ¬÷¸¸¢¨¸÷¸ ¬¸¿¨¡¸¨¸í¸£¸Ê ˆÅ¸ ¢¨¸¨¸£µ¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ requirement. Details of the proposed transactions with LIC
í¾À are as follows:
¸Ÿ¸¸£¸¢©¸¡¸¸Â ¬¨¸úˆÅ¸£ ˆÅ£›¸¸ Acceptance of Deposits

¤¸ÿˆÅ ˆÅ¸½ ¸›¸÷¸¸ ¬¸½ Ÿ¸¸¿Š¸ ¡¸¸ ‚›¡¸˜¸¸ ³Åœ¸ Ÿ¸Ê œÏ¢÷¸™½¡¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ ¬¨¸úˆÅ¸£ The Bank is required to accept deposits from public,
repayable on demand or otherwise. LIC operates current
ˆÅ£›¸¸ í¸½÷¸¸ í¾. ‡¥¸‚¸ƒÄ¬¸ú ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ¸¸¥¸» ‰¸¸÷¸¸ ¸Ÿ¸¸£¸¢©¸¡¸¸¿ œ¸¢£¸¸¢¥¸÷¸
account deposits with the Bank on the same terms as
ˆÅ£÷¸ú í¾ ¢¸¬¸ˆ½Å ¢¥¸‡ ¬¸ž¸ú ŠÏ¸íˆÅ¸Ê ˆ½Å ¢¥¸‡ ¥¸¸Š¸» ¸¾¬¸ú ©¸÷¸½ô íÿ. ‡ˆÅ ¤¸¸£ applicable to all customers. Once an account is opened,
‰¸¸÷¸¸ ‰¸¸½¥¸›¸½ ˆ½Å ¤¸¸™ ¤¸ÿˆÅ ŠÏ¸íˆÅ ˆ½Å ‰¸¸÷¸½ Ÿ¸Ê ‚¸›¸½ ¨¸¸¥¸ú £¸¢©¸¡¸¸Ê ˆÅ¸½ ¢¨¸¢š¸ˆÅ a bank cannot legally stop amounts coming into the
³Åœ¸ ¬¸½ ›¸íú¿ £¸½ˆÅ ¬¸ˆÅ÷¸¸ ‚¸¾£ ¡¸í œ¸»µ¸Ä÷¸À ŠÏ¸íˆÅ ˆ½Å ¢¨¸¨¸½ˆÅ œ¸£ í¸½÷¸¸ í¾ ¢ˆÅ customer’s account and it is entirely up to the discretion
¨¸í ¸Ÿ¸¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢ˆÅ÷¸›¸ú £¸¢©¸ £‰¸›¸¸ ¸¸í÷¸¸ í¾. ‚÷¸À ¥¸½›¸™½›¸ ˆÅ¸ Ÿ¸»¥¡¸ of the customer how much amount it seeks to place into
¢›¸š¸¸Ä£µ¸¡¸¸½Š¡¸ ›¸íú¿ í¾. ¥¸½›¸™½›¸ ˆÅú ‚¨¸¢š¸ ‡¥¸‚¸ƒÄ¬¸ú ׸£¸ ¸º›¸ú Š¸ƒÄ ‚¨¸¢š¸ the deposit. Hence, the value of the transaction is not
determinable. The tenure of the transaction depends on
œ¸£ ¢›¸ž¸Ä£ ˆÅ£÷¸¸ í¾ ‚¸¾£ ¤¸ÿˆÅ ׸£¸ ƒ¬¸ˆÅ¸ œ¸÷¸¸ ›¸íú¿ ¥¸Š¸¸¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸. period opted for by LIC and cannot be ascertained by the
¤¸ÿ¢ˆ¿ÅŠ¸ œÏž¸¸£ ¤¸ÿˆÅ ׸£¸ ¤¸ÿˆÅ ˆÅú ›¸ú¢÷¸¡¸¸Ê ‚¸¾£ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å Ÿ¸¸›¸™¿”¸Ê ˆ½Å Bank. Banking charges are levied by the Bank uniformly on
‚›¸º¬¸¸£ ¬¸ž¸ú ŠÏ¸íˆÅ¸Ê ˆ½Å ¢¥¸‡ ‡ˆÅ ¬¸Ÿ¸¸›¸ ¥¸Š¸¸¡¸½ ¸¸÷¸½ íÿ. ¸Ÿ¸¸‡¿ ‚¸¾£ ¤¸ÿ¢ˆ¿ÅŠ¸ all customers in accordance with Bank’s policies and RBI
œÏž¸¸£ ¬¸¸Ÿ¸¸›¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸ ˆ½Å ‚›¸º¬¸¸£ í¸½÷¸½ íÿ, ¥¸½›¸™½›¸ ˆÅú £¸¢©¸ norms. Given that deposits or banking charges arise out
‡¥¸‚¸ƒÄ¬¸ú œ¸£ ¢›¸ž¸Ä£ ˆÅ£÷¸ú í¾ ‚¸¾£ ¤¸ÿˆÅ ƒ¬¸ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ›¸íú¿ ˆÅ£ ¬¸ˆÅ÷¸¸. of normal banking activities, the value of the transaction
depends on LIC and cannot be ascertained by the Bank.
¸Ÿ¸¸£¸¢©¸¡¸¸¿ ¬¨¸úˆÅ¸£ ˆÅ£›¸¸ ‚¸¾£ ¤¸ÿˆÅ œÏž¸¸£ œÏ¸œ÷¸ ˆÅ£›¸¸ ¬¸¸Ÿ¸¸›¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ Acceptance of deposits and receipt of banking charges
ˆÅ¸£¸½¤¸¸£ ˆÅ¸½ ‚¸Š¸½ ¤¸õ¸›¸¸ í¾ ‚¸¾£ ¡¸í ¤¸ÿˆÅ ˆ½Å ¢í÷¸ Ÿ¸Ê í¾. are in furtherance of the normal banking business and are
¢›¸¢š¸ˆÅ ‚¸¾£ Š¸¾£-¢›¸¢š¸ˆÅ ¬¸º¢¨¸š¸¸‡¿ in the interest of the Bank.
Funded and Non-funded facilities
¤¸ÿˆÅ ׸£¸ ‚œ¸›¸½ ¬¸¸Ÿ¸¸›¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¨¡¸¨¸¬¸¸¡¸ ˆ½Å ¢í¬¬¸½ ˆ½Å ³Åœ¸ Ÿ¸Ê ‡¥¸‚¸ƒÄ¬¸ú
¬¸¢í÷¸ ¬¸ž¸ú ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ¬¸Ÿ¸¸›¸ œÏ¢ÇÅ¡¸¸‚¸Ê ˆ½Å ‚¸š¸¸£ œ¸£ ¢›¸¢š¸ˆÅ ‚¸¾£ Š¸¾£- Funded and Non-funded facilities are provided by the Bank
as a part of its normal banking business to all customers
¢›¸¢š¸ˆÅ ¬¸º¢¨¸š¸¸‡¿ œÏ™¸›¸ ˆÅú ¸¸÷¸ú íÿ. ¬¸º¢¨¸š¸¸ ˆÅ¸ œÏˆÅ¸£, ©¸÷¸½ô, ‚¿¢÷¸Ÿ¸ „œ¸¡¸¸½Š¸
on the basis of uniform procedures, including to LIC. Type
‚¸¾£ ¥¸½›¸-™½›¸ ˆÅú ‚¨¸¢š¸, œÏ÷¡¸½ˆÅ Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê, ¬¸¸Ÿ¸¸›¡¸ ‚›¸ºÇÅŸ¸ Ÿ¸Ê ¤¸ÿˆÅ ˆ½Å of facility, terms, end-use and tenure of the transaction,
ŠÏ¸íˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ‡¥¸‚¸ƒÄ¬¸ú ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê œ¸£ ¢›¸ž¸Ä£ ˆÅ£÷¸ú í¾. Ÿ¸¿¸»£ú in each case, depends on the requirements of LIC as a
ˆ½Å ¢¥¸‡ ¬¸º¢¨¸š¸¸‚¸Ê œ¸£ ¢¨¸¸¸£ ¢£{¸¨¸Ä ¤¸ÿˆÅ Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‚›¸ºŸ¸÷¸ customer of the Bank in the ordinary course. The facilities
‚¸¾£ ¤¸ÿˆÅ ˆÅú œÏ¸¬¸¿¢Š¸ˆÅ ›¸ú¢÷¸¡¸¸Ê ˆ½Å ÷¸í÷¸ ‡½¬¸ú ©¸÷¸¸½ô (¤¡¸¸¸ ™£, œÏ¢÷¸ž¸»¢÷¸, are considered for sanction, on such terms and conditions
ˆÅ¸¡¸ÄˆÅ¸¥¸, ‚¸¢™ ¬¸¢í÷¸) œ¸£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾, ¸¸½ ¬¸ž¸ú ŠÏ¸íˆÅ¸Ê ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸›¸ (including rate of interest, security, tenure, etc.) as may
be permitted under applicable RBI norms and relevant
³Åœ¸ ¬¸½ ¥¸¸Š¸» í¸½÷¸ú íÿ. ¥¸½›¸™½›¸ ¤¸ÿˆÅ ˆ½Å ¬¸¸Ÿ¸¸›¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¥¸½›¸™½›¸ ˆÅ¸ ž¸¸Š¸ í¸½÷¸½ policies of the Bank which are uniformly applicable to all
íÿ. Ÿ¸»¥¡¸ ¤¸ÿˆÅ ˆÅú „š¸¸£ ›¸ú¢÷¸¡¸¸Ê ‚¸¾£ †µ¸ ‚›¸ºŸ¸¸½™›¸ œÏ¢ÇÅ¡¸¸ œ¸£ ¢›¸ž¸Ä£ the customers. The transaction forms part of the normal
ˆÅ£÷¸¸ í¾ ‚¸¾£ ƒ¬¸¢¥¸‡ ¥¸½›¸™½›¸ ˆÅ¸ Ÿ¸»¥¡¸ ¢›¸š¸¸Ä¢£÷¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾. banking transactions of the Bank. The value is dependent
¡¸í ¢£{¸¨¸Ä ¤¸ÿˆÅ ‚¸¾£ ¤¸ÿˆÅ ˆÅú ‚¸¿÷¸¢£ˆÅ ›¸ú¢÷¸¡¸¸Ê ׸£¸ ¢›¸š¸¸Ä¢£÷¸ ‡ˆÅ¥¸ ‚¸¾£ upon the lending policies and credit approval process of

19
¬¸Ÿ¸»í „š¸¸£ˆÅ÷¸¸Ä ‡Æ¬¸œ¸¸½¸£ / ‚¿÷¸À-¬¸Ÿ¸»í Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚›¸º¬¸¸£ ‚¢š¸ˆÅ÷¸Ÿ¸ the Bank and hence the value of the transaction cannot be
determined. This is also subject to maximum permissible
‚›¸ºŸ¸½¡¸ ¬¸úŸ¸¸ ˆ½Å ‚š¸ú›¸ í¸½÷¸¸ í¾. ¬¸Ÿ¤¸Ö œ¸®¸¸Ê ˆ½Å ¢¥¸‡ ƒ›¸ ¬¸º¢¨¸š¸¸‚¸Ê ˆÅ¸ Ÿ¸»¥¡¸ limit as per the single and group borrower exposure/intra-
¢›¸š¸¸Ä£µ¸ œÏ¸¢¥¸÷¸ ¤¸¸{¸¸£ ™£ œ¸£ ‚¸š¸¸¢£÷¸ í¸½÷¸¸ í¾ ‚˜¸¨¸¸ ¤¸¸à¸ ¤¸ÿ¸Ÿ¸¸ˆÄÅ group norms as prescribed by RBI and Bank’s internal
¬¸½ ¸º”õ¸ í¸½÷¸¸ í¾, ¢¸¬¸½ ¬¸ž¸ú ŠÏ¸íˆÅ¸Ê (¬¸¿¤¸¿¢š¸÷¸ œ¸®¸¸Ê ¬¸¢í÷¸) ˆÅ¸½ ¬¸Ÿ¸¸›¸ ³Åœ¸ policies. The pricing of these facilities to related parties
¬¸½ ‚¸ÁûÅ£ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ‚¸¾£ ¡¸í ¬¨¸÷¸¿°¸ ¬¸¿¨¡¸¨¸í¸£ œ¸£ ‚¸š¸¸¢£÷¸ í¸½÷¸¸ is based on prevailing market rate or linked to external
benchmark which is uniformly offered to all customers
í¾. ¬¸º¢¨¸š¸¸‚¸Ê ˆÅ¸ ˆÅ¸¡¸ÄˆÅ¸¥¸ ŠÏ¸íˆÅ¸Ê ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ (¬¸¿¤¸¿¢š¸÷¸/‚¬¸¿¤¸¿¢š¸÷¸ (including related parties) and it is based on arm’s length
œ¸®¸) œ¸£ ¢›¸ž¸Ä£ ˆÅ£÷¸¸ í¾ ¸¸½ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¢™©¸¸¢›¸™½Ä©¸¸Ê ‚¸¾£ ¤¸ÿˆÅ ˆÅú ‚¸¿÷¸¢£ˆÅ basis. Tenure of facilities is dependent on customers’
›¸ú¢÷¸¡¸¸Ê ˆ½Å ‚š¸ú›¸ í¸½÷¸¸ í¾ ÷¸˜¸¸ ¸¸½ ¬¸ž¸ú ŠÏ¸íˆÅ¸Ê œ¸£ ¬¸Ÿ¸¸›¸ ³Åœ¸ ¬¸½ ¥¸¸Š¸» í¸½÷¸¸ requirement (related/ unrelated parties) subject to
í¾. ¥¸½›¸-™½›¸ ¤¸ÿˆÅ ˆ½Å ¤¸ÿ¢ˆ¿ÅŠ¸ ¨¡¸¨¸¬¸¸¡¸ ˆÅ¸½ ‚ŠÏ¢¬¸÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ í¸½÷¸½ íÿ ‚¸¾£ regulatory guidelines and Bank’s internal policies which are
uniformly applicable to all the customers. The transactions
¤¸ÿˆÅ ׸£¸ ¬¸¸Ÿ¸¸›¡¸ ‚›¸ºÇÅŸ¸ (†µ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸, Ÿ¸¿¸»£ú ‚¸¾£ ‚›¸ºŸ¸¸½™›¸ œÏ¢ÇÅ¡¸¸ are in furtherance of banking business of the Bank and are
¬¸¢í÷¸) ˆ½Å ‚›¸º¬¸¸£ ¢›¸š¸¸Ä¢£÷¸ Ÿ¸¸›¸™¿”¸Ê, ›¸ú¢÷¸¡¸¸Ê ‚¸¾£ œÏ¢ÇÅ¡¸¸‚¸Ê ˆ½Å ‚›¸º¬¸¸£ undertaken in accordance with laid down norms, policies
¢ˆÅ‡ ¸¸÷¸½ íÿ ‚¸¾£ ƒ¬¸¢¥¸‡ ¡¸½ ¤¸ÿˆÅ ˆ½Å ¢í÷¸ Ÿ¸Ê íÿ. and procedures as followed by the Bank in ordinary course
(including credit appraisal, sanction and approval process)
†µ¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅ¸ ¢›¸Š¸ÄŸ¸›¸ and therefore, in the interest of the Bank.
Issuance of debt securities
¤¸ÿˆÅ ‚œ¸›¸½ ¨¡¸¨¸¬¸¸¡¸ ˆ½Å ¢¥¸‡ š¸›¸ ¸º’¸›¸½ ˆ½Å ¢¥¸‡ ‚¸Ÿ¸÷¸¸¾£ œ¸£ ¢›¸¨¸½©¸ˆÅ¸Ê
(‡¥¸‚¸ƒÄ¬¸ú ¬¸¢í÷¸) ׸£¸ „œ¸¡¸¸½Š¸ ¢ˆÅ‡ ¸¸›¸½ ¨¸¸¥¸½ œ¥¸½’ûŸÁŸ¸Ä œ¸£ Š¸¾£- The Bank may issue debt securities like Non-Convertible
Debentures, for raising funds for business of the Bank,
œ¸¢£¨¸÷¸Ä›¸ú¡¸ ¢”¤¸Ê¸£ ¸¾¬¸ú †µ¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ¸¸£ú ˆÅ£ ¬¸ˆÅ÷¸¸ í¾, ¢¸¬¸ˆ½Å
on platforms commonly accessed by investors (including
œÏ¢÷¸ûÅ¥¸¬¨¸³Åœ¸ ¬¸ž¸ú ¢›¸¨¸½©¸ˆÅ¸Ê œ¸£ ¬¸Ÿ¸¸›¸ ³Åœ¸ ¬¸½ œÏ¡¸¸½¡¸ ˆöŸ›¸»›¸¸Ê ‚¸¾£ LIC), pursuant to which the securities are allotted to
œÏ¬÷¸¸¨¸ œ¸°¸ ˆ½Å ‚›¸º¬¸¸£ ƒŽºˆÅ ¢›¸¨¸½©¸ˆÅ¸Ê ˆÅ¸½ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ‚¸¤¸¿¢’÷¸ ˆÅ£ ™ú interested investors in accordance with the provisions of
¸¸÷¸ú íÿ ÷¸˜¸¸ ‡½¬¸ú œÏ¢÷¸ž¸»¢÷¸¡¸¸½¿ œ¸£ ¬¸ž¸ú ¢›¸¨¸½©¸ˆÅ¸½¿ ˆÅ¸½ ‡ˆÅ ¸¾¬¸½ ¤¡¸¸¸ ˆÅ¸ the applicable laws and offer letter; and payment of interest
on such securities uniformly to all investors. The value
ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾. œÏ¬÷¸¸¢¨¸÷¸ ¥¸½›¸™½›¸ ˆ½Å Ÿ¸»¥¡¸ ˆÅ¸ ¢›¸š¸¸Ä£µ¸ ›¸íú¿ ¢ˆÅ¡¸¸
of transactions proposed cannot be ascertained as it is
¸¸ ¬¸ˆÅ÷¸¸ í¾ Æ¡¸¸Ê¢ˆÅ ¡¸í ¤¸ÿˆÅ ׸£¸ ¸¸£ú ˆÅú ¸¸›¸½ ¨¸¸¥¸ú †µ¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê subject to LIC bidding for the debt securities proposed to
ˆ½Å ¢¥¸‡ ‡¥¸‚¸ƒÄ¬¸ú ˆÅú ¤¸¸½¥¸ú ˆ½Å ‚š¸ú›¸ í¾. ¥¸½›¸-™½›¸ ˆÅú ‚¨¸¢š¸ ¤¸ÿˆÅ ׸£¸ be issued by the Bank. The tenure of the transaction will
¸¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅú ©¸÷¸¸½ô ˆ½Å ‚›¸º¬¸¸£ í¸½Š¸ú ¸¸½ ¥¸¸Š¸» ˆÅ¸›¸»›¸¸Ê ˆ½Å ‚›¸ºœ¸¸¥¸›¸ be as per the terms of the securities issued by the Bank
that will be in compliance of the applicable laws. This is
Ÿ¸Ê í¸½Š¸ú. ¡¸í ¤¸ÿˆÅ ˆÅú ¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê ˆÅ¸½ ‚¸Š¸½ ¤¸õ¸›¸½ ˆ½Å ¢¥¸‡ í¾ in furtherance of the business activities of the Bank and
‚¸¾£ ƒ¬¸¢¥¸‡ ¤¸ÿˆÅ ˆ½Å ¢í÷¸ Ÿ¸Ê í¾. therefore, is in the interest of the Bank.
¤¸úŸ¸¸ ¡¸¸½¸›¸¸‚¸Ê ‚¸¾£ ‚›¡¸ ¬¸¿¤¸¿¢š¸÷¸ ¨¡¸¨¸¬¸¸¡¸ ˆ½Å ¢¨¸÷¸£µ¸ ˆ½Å ¢¥¸‡ Fees/commission for distribution of insurance
©¸º¥ˆÅ/ˆÅŸ¸ú©¸›¸ products and other related business
The Bank has entered into Corporate Agency Agreement
¤¸ÿˆÅ ›¸½ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆÅú ©¸¸‰¸¸‚¸Ê ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¸ú¨¸›¸ ¤¸úŸ¸¸ œ¸¸Á¢¥¸¢¬¸¡¸¸Ê with LIC for sale of Life Insurance Policies through IDBI
ˆÅú ¢¤¸ÇÅú ˆ½Å ¢¥¸‡ ‡¥¸‚¸ƒÄ¬¸ú ˆ½Å ¬¸¸˜¸ ˆÅ¸Áœ¸¸½Ä£½’ ‡¸Ê¬¸ú ¬¸Ÿ¸¸¸¾÷¸¸ ¢ˆÅ¡¸¸ í¾. Bank Branches. Due approval/intimation to IRDAI has
¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ׸£¸ ¢›¸š¸¸Ä¢£÷¸ œÏ¢ÇÅ¡¸¸ ˆ½Å ‚›¸º¬¸¸£ ‚¸ƒÄ‚¸£”ú‡‚¸ƒÄ ˆÅ¸½ „¢¸÷¸ been done as per the process laid down by the Regulator.
‚›¸ºŸ¸¸½™›¸/¬¸»¸›¸¸ ™ú Š¸ƒÄ í¾. ¤¸ÿˆÅ ‚¸ƒÄ‚¸£”ú‡‚¸ƒÄ ׸£¸ ‚›¸ºŸ¸÷¸ ™£¸Ê ˆ½Å The Bank earns fees/commission for distribution of
insurance products as per the rates allowed by IRDAI.
‚›¸º¬¸¸£ ¤¸úŸ¸¸ ¡¸¸½¸›¸¸‚¸Ê ˆ½Å ¢¨¸÷¸£µ¸ ˆ½Å ¢¥¸‡ ©¸º¥ˆÅ/ˆÅŸ¸ú©¸›¸ ‚¢¸Ä÷¸ ˆÅ£÷¸¸ The agreement with LIC is subject to renewal as per the
í¾. ‡¥¸‚¸ƒÄ¬¸ú ˆ½Å ¬¸¸˜¸ ¬¸Ÿ¸¸¸¾÷¸¸, ‚›¸º¤¸¿š¸ ˆÅú ©¸÷¸¸½ô ‚¸¾£ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ¸Ê ׸£¸ terms of agreement and norms prescribed by regulators.
¢›¸š¸¸Ä¢£÷¸ Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚›¸º¬¸¸£ ›¸¨¸ú›¸úˆÅ£µ¸ ˆ½Å ‚š¸ú›¸ í¾. ‚¢¸Ä÷¸ ©¸º¥ˆÅ ˆÅ¸ The level of fees earned is dependent on various factors
¬÷¸£ ¨¡¸¨¸¬¸¸¡¸ ˆÅú Ÿ¸¸°¸¸, ¤¸ÿˆÅ ˆÅú £µ¸›¸ú¢÷¸, ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¢™©¸¸¢›¸™½Ä©¸ ‚¸¾£ i.e. business volume, Bank’s strategy, regulatory guidelines
and other external factors. Thus, value of transactions
‚›¡¸ ¤¸¸í£ú ˆÅ¸£ˆÅ ¸¾¬¸½ ¢¨¸¢ž¸››¸ ˆÅ¸£ˆÅ¸Ê œ¸£ ¢›¸ž¸Ä£ ˆÅ£÷¸¸ í¾. ƒ¬¸ œÏˆÅ¸£, cannot be determined. The Bank offers insurance products
¥¸½›¸™½›¸ ˆÅ¸ Ÿ¸»¥¡¸ ¢›¸š¸¸Ä¢£÷¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾. ¤¸ÿˆÅ ‚œ¸›¸ú ¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ of LIC as a part of its business strategy and earns fees/
£µ¸›¸ú¢÷¸ ˆ½Å ‡ˆÅ ž¸¸Š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ‡¥¸‚¸ƒÄ¬¸ú ˆÅú ¤¸úŸ¸¸ ¡¸¸½¸›¸¸‡¿ ‚¸ÁûÅ£ ˆÅ£÷¸¸ commission as per the terms of agreement and therefore it
í¾ ‚¸¾£ ¬¸Ÿ¸¸¸¾÷¸½ ˆÅú ©¸÷¸¸½ô ˆ½Å ‚›¸º¬¸¸£ ©¸º¥ˆÅ/ ˆÅŸ¸ú©¸›¸ ‚¢¸Ä÷¸ ˆÅ£÷¸¸ í¾ ‚¸¾£ is in the interest of the Bank.
ƒ¬¸¢¥¸‡ ¡¸í ¤¸ÿˆÅ ˆ½Å ¢í÷¸ Ÿ¸Ê í¾. Other transactions
‚›¡¸ ¥¸½›¸™½›¸ Market based transactions in the manner similar with other
general market participants / counterparties in Money
Ÿ¸ºÍ¸ ¤¸¸{¸¸£ ¥¸½›¸™½›¸ Ÿ¸Ê ‚›¡¸ ¬¸¸Ÿ¸¸›¡¸ ¤¸¸{¸¸£ ¬¸íž¸¸¢Š¸¡¸¸Ê/œÏ¢÷¸œ¸®¸ˆÅ¸£¸Ê ˆ½Å market transactions, Secondary Market Buying / Selling
¬¸Ÿ¸¸›¸ ¤¸¸{¸¸£ ‚¸š¸¸¢£÷¸ ¥¸½›¸™½›¸, ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê/ˆÅ¸Á£œ¸¸½£½’ ¤¸¸¿”¸Ê ‚¸¾£ of Govt. Securities / Corporate Bonds and money market
Ÿ¸ºÍ¸ ¤¸¸{¸¸£ ¢¥¸‰¸÷¸¸Ê ˆÅú ¢×÷¸ú¡¸ˆÅ ¤¸¸{¸¸£ Ÿ¸Ê ‰¸£ú™/¢¤¸ÇÅú, ¤¸¸¿”¸Ê Ÿ¸Ê ¢›¸¨¸½©¸, instruments, investments in Bonds, any other income/
ˆÅ¸½ƒÄ ‚›¡¸ ‚¸¡¸/¨¡¸¡¸ ‚˜¸¨¸¸ ¤¸ÿˆÅ ˆ½Å ˆÅ¸£¸½¤¸¸£ ˆ½Å ¬¸¸Ÿ¸¸›¡¸ ÇÅŸ¸ Ÿ¸Ê ¢›¸®¸½œ¸¸Š¸¸£ expense or other activities undertaken in pursuance of
depository participant, custodian services, investment
¬¸íž¸¸Š¸ú, ˆÅ¬’¸½¢”¡¸›¸ ¬¸½¨¸¸‚¸Ê, ¢›¸¨¸½©¸ ¤¸ÿ¢ˆ¿ÅŠ¸, ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¢¨¸¢›¸Ÿ¸¡¸ ‚¸¾£ banking, foreign exchange and derivative transactions,
”½¢£¨¸½¢’¨¸ ¥¸½›¸™½›¸¸Ê ‚¸¢™ ˆ½Å ‚›¸º¬¸£µ¸ Ÿ¸Ê ˆÅú Š¸ƒÄ ‚›¡¸ Š¸¢÷¸¢¨¸¢š¸¡¸¸¿. etc, in the ordinary course of Bank’s business.

¤¸ÿˆÅ ‚œ¸›¸½ ¢›¸¡¸¢Ÿ¸÷¸ ˆÅ¸£¸½¤¸¸£ Ÿ¸Ê ‚œ¸›¸½ ׸£¸ †µ¸/‚¢ŠÏŸ¸ ¡¸¸ ¢›¸¨¸½©¸ œÏ™¸›¸ The Bank, in its regular course of business, does not incur
ˆÅ£›¸½ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ˆÅ¸½ƒÄ ¥¸½›¸™½›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ˆÅ¸½ƒÄ ¢¨¸¢©¸«’ ¢¨¸î¸ú¡¸ †µ¸ any specific financial indebtedness in order to undertake

20
 ›¸íú¿ ¥¸½÷¸¸ í¾. „œ¸£¸½Æ÷¸ ¥¸½›¸™½›¸ Ÿ¸Ê ¬¸¿¤¸¿¢š¸÷¸ œ¸®¸ ˆ½Å ¬¸£¸½ˆÅ¸£ /¢í÷¸ ˆÅú œÏˆ¼Å¢÷¸ any transactions relating to granting of loans / advances or
investment by the Bank. The nature of concern/interest of
¢¨¸î¸ú¡¸ í¾.
the related party in the above transactions is financial.
„œ¸£¸½Æ÷¸ ¬¸ž¸ú ¥¸½›¸™½›¸ ¤¸ÿˆÅ ׸£¸ š¸¸¢£÷¸ ¢¨¸¢©¸«’ ‚›¸ºŸ¸¸½™›¸/
All the aforesaid transactions are undertaken pursuant to
œ¸¿¸úˆÅ£µ¸/¥¸¸ƒ¬¸Ê¬¸ ˆ½Å ‚›¸º¬¸¸£ ¢ˆÅ‡ ¸¸÷¸½ íÿ ‚¸¾£ ¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê specific approvals/registrations/licenses held by the Bank
ˆÅ¸½ ‚¸Š¸½ ¤¸õ¸›¸½ ÷¸˜¸¸ ¥¸¸Š¸» ˆÅ¸›¸»›¸¸Ê ˆ½Å ‚›¸º¬¸¸£ í¸½÷¸½ íÿ ‚¸¾£ ƒ¬¸¢¥¸‡ ¤¸ÿˆÅ ˆ½Å and are in furtherance of the business activities and in
¢í÷¸ Ÿ¸Ê í¸½÷¸½ íÿ. accordance with the applicable laws and therefore, in the
interest of the Bank.
¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢ˆÅ¬¸ú ž¸ú ¬¸Ÿ¸¡¸ …œ¸£ ¤¸÷¸¸‡ Š¸‡ ¥¸½›¸™½›¸ ¬¸½¤¸ú
¬¸»¸ú¤¸Ö÷¸¸ ¢¨¸¢›¸¡¸Ÿ¸¸Ê ˆ½Å ÷¸í÷¸ ‡¥¸‚¸ƒÄ¬¸ú ˆ½Å ¢¥¸‡ "Ÿ¸í÷¨¸œ¸»µ¸Ä ¬¸¿¤¸Ö œ¸®¸ The transactions as mentioned above at any time during the
financial year may exceed the threshold of “material related
¥¸½›¸™½›¸" ˆÅú ¬¸úŸ¸¸ ‚˜¸¸Ä÷¸Ã ` 1,000 ˆÅ£¸½”õ ‚˜¸¨¸¸ ¤¸ÿˆÅ ˆ½Å ¢œ¸Ž¥¸½ ¥¸½‰¸¸ party transactions” under the SEBI Listing Regulations i.e
œ¸£ú¢®¸÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¨¸¸¢«¸ÄˆÅ ¬¸Ÿ¸½¢ˆÅ÷¸ ˆÅ¸£¸½¤¸¸£ ˆ½Å 10% `1,000 crore or 10% of the annual consolidated turnover
(ƒ›¸Ÿ¸Ê ¬¸½ ¸¸½ ž¸ú ˆÅŸ¸ í¸½) ¬¸½ ‚¢š¸ˆÅ í¸½ ¬¸ˆÅ÷¸½ íÿ. ¬¸ž¸ú ¥¸½›¸-™½›¸ ¬¨¸÷¸¿°¸ of the Bank, as per the last audited financial statement of
¬¸¿¨¡¸¨¸í¸£ ‚¸š¸¸£ œ¸£ ‚¸¾£ ¤¸ÿˆÅ ‚¸¾£/¡¸¸ ƒ¬¸ˆ½Å ¬¸¿¤¸¿¢š¸÷¸ œ¸®¸¸Ê ˆ½Å ¨¡¸¨¸¬¸¸¡¸ the Bank, whichever is lower, for LIC. All the transactions
will be entered on arm’s length basis and in the ordinary
ˆ½Å ¬¸¸Ÿ¸¸›¡¸ ‚›¸ºÇÅŸ¸ Ÿ¸Ê ™¸Ä ¢ˆÅ‡ ¸¸‡¿Š¸½. ¬¸™¬¡¸¸Ê ¬¸½ Ÿ¸¸¿Š¸¸ ¸¸ £í¸ ‚›¸ºŸ¸¸½™›¸ course of the business of the Bank and/or its related
¤¸ÿˆÅ ˆÅú ‚Š¸¥¸ú ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ ÷¸ˆÅ ¨¸¾š¸ £í½Š¸¸. parties. The approval being sought from the Members shall
be valid till the next Annual General Meeting of the Bank.
¤¸¸½”Ä ˆÅú ¥¸½‰¸¸ œ¸£ú®¸¸ ¬¸¢Ÿ¸¢÷¸ ‚¸¾£ ¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ›¸½ ‡¥¸‚¸ƒÄ¬¸ú ˆ½Å
¬¸¸˜¸ ¤¸ÿˆÅ ׸£¸ œÏ¬÷¸¸¢¨¸÷¸ ¬¸Ÿ¤¸Ö œ¸®¸ ¥¸½›¸™½›¸, ¬¸¿ˆÅ¥œ¸ ‚¸¾£ ¨¡¸¸‰¡¸¸÷Ÿ¸ˆÅ The Audit Committee of the Board and Board of Directors
of the Bank has granted approval for the related party
¢¨¸¨¸£µ¸ Ÿ¸Ê ¨¸¢µ¸Ä÷¸ ¬¸¢í÷¸, ˆ½Å ¢¥¸‡ ‚›¸ºŸ¸¸½™›¸ œÏ™¸›¸ ¢ˆÅ¡¸¸ í¾ ‚¸¾£ ¡¸í ž¸ú ›¸¸½’ transactions proposed to be entered into by the Bank with
¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ¢ˆÅ ‡¥¸‚¸ƒÄ¬¸ú ˆ½Å ¬¸¸˜¸ „Æ÷¸ ¥¸½›¸™½›¸ ¬¨¸÷¸¿°¸ ¬¸¿¨¡¸¨¸í¸£ ‚¸š¸¸£ LIC including as stated in the resolution and explanatory
œ¸£ ‚¸¾£ ¤¸ÿˆÅ ˆ½Å ˆÅ¸£¸½¤¸¸£ ˆ½Å ¬¸¸Ÿ¸¸›¡¸ ‚›¸ºÇÅŸ¸ Ÿ¸Ê í¸ÊŠ¸½. statement and has also noted that the said transactions
with LIC would be on an arm’s length basis and in the
¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ¬¸»¸›¸¸ ˆÅú Ÿ¸™ ¬¸¿‰¡¸¸ 6 Ÿ¸Ê ¢›¸¢í÷¸ ¬¸¸Ÿ¸¸›¡¸ ¬¸¿ˆÅ¥œ¸ ˆÅ¸½ œ¸¸¢£÷¸ ordinary course of the Bank’s business.
ˆÅ£›¸½ ˆÅú ‚›¸º©¸¿¬¸¸ ˆÅ£÷¸¸ í¾. ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 102(1) The Board of Directors recommends passing of the
ˆÅú ‚›¸º¬¸¸£, ¡¸í œÏ¬÷¸º÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢ˆÅ ¤¸ÿˆÅ ˆÅ¸ ˆÅ¸½ƒÄ ž¸ú ¢›¸™½©¸ˆÅ Ordinary Resolution as contained at Item No.6 of the
(‡¥¸‚¸ƒÄ¬¸ú ˆ½Å ›¸¸¢Ÿ¸÷¸ú ¢›¸™½©¸ˆÅ ˆÅ¸½ Ž¸½”õˆÅ£) ¡¸¸ œÏŸ¸º‰¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ notice. In terms of Section 102(1) of the Companies Act,
¡¸¸ „›¸ˆ½Å ¬¸¿¤¸¿š¸ú, œÏ÷¡¸®¸ ¡¸¸ ‚œÏ÷¡¸®¸ ³Åœ¸ ¬¸½, ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ Ÿ¸Ê „›¸ˆÅú 2013, it is submitted that none of the Directors (other than
LIC Nominee Directors) or Key Managerial Personnel of
©¸½¡¸£š¸¸¢£÷¸¸, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆÅú ¬¸úŸ¸¸ ˆÅ¸½ Ž¸½”õˆÅ£, „œ¸¡¸ºÄÆ÷¸ ¬¸¿ˆÅ¥œ¸ œ¸¸¢£÷¸ the Bank or their relatives is, whether directly or indirectly,
ˆÅ£¨¸¸›¸½ Ÿ¸Ê ¢¨¸î¸ú¡¸ ¡¸¸ ‚›¡¸ œÏˆÅ¸£ ¬¸½ ¬¸¿¤¸¦›š¸÷¸ ¡¸¸ ¢í÷¸¤¸Ö ›¸íú¿ í¾. concerned or interested, financial or otherwise, in the
passing of the aforesaid resolution except to the extent of
¬¸™¬¡¸ ˆ¼Åœ¸¡¸¸ š¡¸¸›¸ ™Ê ¢ˆÅ ¬¸½¤¸ú ¬¸»¸ú¤¸Ö÷¸¸ ¢¨¸¢›¸¡¸Ÿ¸¸Ê ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å their shareholding, if any, in the Bank.
‚›¸º¬¸¸£, ˆÅ¸½ƒÄ ž¸ú ¬¸Ÿ¤¸Ö œ¸®¸ ¬¸¿¥¸Š›¸ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ ˆÅú ¬¸»¸›¸¸ ˆÅú Ÿ¸™
The Members may please note that in terms of provisions
¬¸¿‰¡¸¸ 6 ˆ½Å ¬¸¸Ÿ¸¸›¡¸ ¬¸¿ˆÅ¥œ¸ ˆÅ¸½ ‚›¸ºŸ¸¸½¢™÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ Ÿ¸÷¸™¸›¸ ›¸íú¿ of the SEBI Listing Regulations, no related party/ies shall
ˆÅ£ÊŠ¸½, ž¸¥¸½ íú ¨¸½ ¢¨¸©¸½«¸ ¥¸½›¸™½›¸ ˆ½Å ¢¥¸‡ ¬¸¿¤¸¿¢š¸÷¸ œ¸®¸ í¸Ê ‚˜¸¨¸¸ ›¸íú¿. vote to approve the Ordinary Resolution at Item No. 6 of
the accompanying AGM Notice, whether the entity is a
3. ¬¸»¸›¸¸ ˆÅú Ÿ¸™ ¬¸¿. 7 ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ related party to the particular transaction or not.
102 ˆ½Å ‚š¸ú›¸ ¨¡¸¸‰¡¸¸÷Ÿ¸ˆÅ ¢¨¸¨¸£µ¸
3. Explanatory Statement under Section 102 of the
¤¸ÿˆÅ ˆÅ¸£¸½¤¸¸£ ˆ½Å ¬¸¸Ÿ¸¸›¡¸ ‚›¸ºÇÅŸ¸ Ÿ¸Ê ‡¥¸‚¸ƒÄ¬¸ú í¸„¢¬¸¿Š¸ ûöŸƒ›¸Ê¬¸ Companies Act, 2013 in respect of Item No. 7 of the
¢¥¸¢Ÿ¸’½” (‡¥¸‚¸ƒÄ¬¸ú‡¸‡ûöŇ¥¸) ˆ½Å ¤¸ÿˆÅ ˆ½Å ¬¸¿¤¸¿¢š¸÷¸ œ¸®¸ í¸½›¸½ ˆ½Å ›¸¸÷¸½ Notice
¬¨¸÷¸¿°¸ ¬¸¿¨¡¸¨¸í¸£ ‚¸š¸¸£ œ¸£ ‚œ¸›¸ú ¨¡¸¨¸¬¸¸¡¸ ¬¸¿¤¸¿š¸ú ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê The Bank in the ordinary course of business engages in
ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¬¸¿¢¨¸™¸‡Â/¨¡¸¨¸¬˜¸¸‡Â/¬¸¿¨¡¸¨¸í¸£ (¸¸í½ ¨¸½ ‡ˆÅ¥¸ contracts/ arrangements/ transactions (whether individual
transaction or transactions taken together or series of
¬¸¿¨¡¸¨¸í¸£ ˆ½Å ³Åœ¸ Ÿ¸Ê í¸Ê ‚˜¸¨¸¸ ˆÅƒÄ ¬¸¿¨¡¸¨¸í¸£¸Ê ˆ½Å ¬¸¦ŸŸ¸¢¥¸÷¸ ³Åœ¸ Ÿ¸Ê í¸Ê transactions or otherwise) with LIC Housing Finance Ltd
‚˜¸¨¸¸ ¬¸¿¨¡¸í¸£¸Ê ˆÅú 帼¿‰¸¥¸¸ ˆ½Å ³Åœ¸ Ÿ¸Ê í¸Ê ‚˜¸¨¸¸ ‚›¡¸ ³Åœ¸ Ÿ¸Ê í¸Ê) ˆÅ£÷¸¸ (LICHFL) being a related party of the Bank, on an arms’
í¾. ‡¥¸‚¸ƒÄ¬¸ú‡¸‡ûöŇ¥¸ ˆ½Å ¬¸¸˜¸ œÏ¬÷¸¸¢¨¸÷¸ ¬¸¿¨¡¸¨¸í¸£¸Ê ˆÅ¸ ¢¨¸¨¸£µ¸ length basis, to meet its business requirement. Details of
¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾À the proposed transactions with LICHFL are as follows:
Funded and Non-funded facilities
¢›¸¢š¸ˆÅ ‚¸¾£ Š¸¾£-¢›¸¢š¸ˆÅ ¬¸º¢¨¸š¸¸‡¿
Funded and Non-funded facilities are provided by the Bank
¤¸ÿˆÅ ׸£¸ ‚œ¸›¸½ ¬¸¸Ÿ¸¸›¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¨¡¸¨¸¬¸¸¡¸ ˆ½Å ¢í¬¬¸½ ˆ½Å ³Åœ¸ Ÿ¸Ê as a part of its normal banking business to all customers on
‡¥¸‚¸ƒÄ¬¸ú‡¸‡ûöŇ¥¸ ¬¸¢í÷¸ ¬¸ž¸ú ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ¬¸Ÿ¸¸›¸ œÏ¢ÇÅ¡¸¸‚¸Ê ˆ½Å ‚¸š¸¸£ the basis of uniform procedures, including to LICHFL. Type
œ¸£ ¢›¸¢š¸ˆÅ ‚¸¾£ Š¸¾£-¢›¸¢š¸ˆÅ ¬¸º¢¨¸š¸¸‡¿ œÏ™¸›¸ ˆÅú ¸¸÷¸ú íÿ. ¬¸º¢¨¸š¸¸ ˆÅ¸ of facility, terms, end-use and tenure of the transaction, in
each case, depends on the requirements of LICHFL as a
œÏˆÅ¸£, ©¸÷¸½ô, ‚¿¢÷¸Ÿ¸ „œ¸¡¸¸½Š¸ ‚¸¾£ ¥¸½›¸-™½›¸ ˆÅú ‚¨¸¢š¸, œÏ÷¡¸½ˆÅ Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê,
customer of the Bank in the ordinary course. The facilities
¬¸¸Ÿ¸¸›¡¸ ‚›¸ºÇÅŸ¸ Ÿ¸Ê ¤¸ÿˆÅ ˆ½Å ŠÏ¸íˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ‡¥¸‚¸ƒÄ¬¸ú‡¸‡ûöŇ¥¸ ˆÅú are considered for sanction, on such terms and conditions
‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê œ¸£ ¢›¸ž¸Ä£ ˆÅ£÷¸ú í¾. Ÿ¸¿¸»£ú ˆ½Å ¢¥¸‡ ¬¸º¢¨¸š¸¸‚¸Ê œ¸£ ¢¨¸¸¸£ (including rate of interest, security, tenure, etc.) as may
¢£{¸¨¸Ä ¤¸ÿˆÅ Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‚›¸ºŸ¸÷¸ ‚¸¾£ ¤¸ÿˆÅ ˆÅú œÏ¸¬¸¿¢Š¸ˆÅ ›¸ú¢÷¸¡¸¸Ê ˆ½Å be permitted under applicable RBI norms and relevant
÷¸í÷¸ ‡½¬¸ú ©¸÷¸¸½ô (¤¡¸¸¸ ™£, œÏ¢÷¸ž¸»¢÷¸, ˆÅ¸¡¸ÄˆÅ¸¥¸, ‚¸¢™ ¬¸¢í÷¸) œ¸£ ¢ˆÅ¡¸¸ policies of the Bank which are uniformly applicable to all

21
¸¸÷¸¸ í¾, ¸¸½ ¬¸ž¸ú ŠÏ¸íˆÅ¸Ê ˆ½Å ¢¥¸‡ ¬¸Ÿ¸¸›¸ ³Åœ¸ ¬¸½ ¥¸¸Š¸» í¸½÷¸ú íÿ. ¥¸½›¸™½›¸ ¤¸ÿˆÅ the customers. The transaction forms part of the normal
ˆ½Å ¬¸¸Ÿ¸¸›¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¥¸½›¸™½›¸ ˆÅ¸ ž¸¸Š¸ í¸½÷¸½ íÿ. Ÿ¸»¥¡¸ ¤¸ÿˆÅ ˆÅú „š¸¸£ ›¸ú¢÷¸¡¸¸Ê banking transactions of the Bank. The value is dependent
upon the lending policies and credit approval process of
‚¸¾£ †µ¸ ‚›¸ºŸ¸¸½™›¸ œÏ¢ÇÅ¡¸¸ œ¸£ ¢›¸ž¸Ä£ ˆÅ£÷¸¸ í¾ ‚¸¾£ ƒ¬¸¢¥¸‡ ¥¸½›¸™½›¸ ˆÅ¸ the Bank and hence the value of the transaction cannot be
Ÿ¸»¥¡¸ ¢›¸š¸¸Ä¢£÷¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸ í¾. ¡¸í ¢£{¸¨¸Ä ¤¸ÿˆÅ ‚¸¾£ ¤¸ÿˆÅ ˆÅú determined. This is also subject to maximum permissible
‚¸¿÷¸¢£ˆÅ ›¸ú¢÷¸¡¸¸Ê ׸£¸ ¢›¸š¸¸Ä¢£÷¸ ‡ˆÅ¥¸ ‚¸¾£ ¬¸Ÿ¸»í „š¸¸£ˆÅ÷¸¸Ä ‡Æ¬¸œ¸¸½¸£ limit as per the single and group borrower exposure/intra-
/ ‚¿÷¸À-¬¸Ÿ¸»í Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚›¸º¬¸¸£ ‚¢š¸ˆÅ÷¸Ÿ¸ ‚›¸ºŸ¸½¡¸ ¬¸úŸ¸¸ ˆ½Å ‚š¸ú›¸ group norms as prescribed by RBI and Bank’s internal
í¸½÷¸¸ í¾. ¬¸Ÿ¤¸Ö œ¸®¸¸Ê ˆ½Å ¢¥¸‡ ƒ›¸ ¬¸º¢¨¸š¸¸‚¸Ê ˆÅ¸ Ÿ¸»¥¡¸ ¢›¸š¸¸Ä£µ¸ œÏ¸¢¥¸÷¸ policies. The pricing of these facilities to related parties
is based on prevailing market rate or linked to external
¤¸¸{¸¸£ ™£ œ¸£ ‚¸š¸¸¢£÷¸ í¸½÷¸¸ í¾ ‚˜¸¨¸¸ ¤¸¸à¸ ¤¸ÿ¸Ÿ¸¸ˆÄÅ ¬¸½ ¸º”õ¸ í¸½÷¸¸ í¾, benchmark which is uniformly offered to all customers
¢¸¬¸½ ¬¸ž¸ú ŠÏ¸íˆÅ¸Ê (¬¸¿¤¸¿¢š¸÷¸ œ¸®¸¸Ê ¬¸¢í÷¸) ˆÅ¸½ ¬¸Ÿ¸¸›¸ ³Åœ¸ ¬¸½ ‚¸ÁûÅ£ ¢ˆÅ¡¸¸ (including related parties) and it is based on arm’s length
¸¸÷¸¸ í¾ ‚¸¾£ ¡¸í ¬¨¸÷¸¿°¸ ¬¸¿¨¡¸¨¸í¸£ œ¸£ ‚¸š¸¸¢£÷¸ í¸½÷¸¸ í¾. ¬¸º¢¨¸š¸¸‚¸Ê ˆÅ¸ basis. Tenure of facilities is dependent on customers’
ˆÅ¸¡¸ÄˆÅ¸¥¸ ŠÏ¸íˆÅ¸Ê ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ (¬¸¿¤¸¿¢š¸÷¸/‚¬¸¿¤¸¿¢š¸÷¸ œ¸®¸) œ¸£ ¢›¸ž¸Ä£ requirement (related/ unrelated parties) subject to
ˆÅ£÷¸¸ í¾ ¸¸½ ¢›¸¡¸¸Ÿ¸ˆÅ ¢™©¸¸¢›¸™½Ä©¸¸Ê ‚¸¾£ ¤¸ÿˆÅ ˆÅú ‚¸¿÷¸¢£ˆÅ ›¸ú¢÷¸¡¸¸Ê ˆ½Å ‚š¸ú›¸ regulatory guidelines and Bank’s internal policies which are
uniformly applicable to all the customers. The transactions
í¸½÷¸¸ í¾ ÷¸˜¸¸ ¸¸½ ¬¸ž¸ú ŠÏ¸íˆÅ¸Ê œ¸£ ¬¸Ÿ¸¸›¸ ³Åœ¸ ¬¸½ ¥¸¸Š¸» í¸½÷¸¸ í¾. ¥¸½›¸-™½›¸ are in furtherance of banking business of the Bank and are
¤¸ÿˆÅ ˆ½Å ¤¸ÿ¢ˆ¿ÅŠ¸ ¨¡¸¨¸¬¸¸¡¸ ˆÅ¸½ ‚ŠÏ¢¬¸÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ í¸½÷¸½ íÿ ‚¸¾£ ¤¸ÿˆÅ ׸£¸ undertaken in accordance with laid down norms, policies
¬¸¸Ÿ¸¸›¡¸ ‚›¸ºÇÅŸ¸ (†µ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸, Ÿ¸¿¸»£ú ‚¸¾£ ‚›¸ºŸ¸¸½™›¸ œÏ¢ÇÅ¡¸¸ ¬¸¢í÷¸) and procedures as followed by the Bank in ordinary course
ˆ½Å ‚›¸º¬¸¸£ ¢›¸š¸¸Ä¢£÷¸ Ÿ¸¸›¸™¿”¸Ê, ›¸ú¢÷¸¡¸¸Ê ‚¸¾£ œÏ¢ÇÅ¡¸¸‚¸Ê ˆ½Å ‚›¸º¬¸¸£ ¢ˆÅ‡ (including credit appraisal, sanction and approval process)
and therefore, in the interest of the Bank.
¸¸÷¸½ íÿ ‚¸¾£ ƒ¬¸¢¥¸‡ ¡¸½ ¤¸ÿˆÅ ˆ½Å ¢í÷¸ Ÿ¸Ê íÿ.
The Bank, in its regular course of business, does not incur
¤¸ÿˆÅ ‚œ¸›¸½ ¢›¸¡¸¢Ÿ¸÷¸ ˆÅ¸£¸½¤¸¸£ Ÿ¸Ê ‚œ¸›¸½ ׸£¸ †µ¸/‚¢ŠÏŸ¸ ¡¸¸ ¢›¸¨¸½©¸ œÏ™¸›¸ any specific financial indebtedness in order to undertake
ˆÅ£›¸½ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ˆÅ¸½ƒÄ ¥¸½›¸™½›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ˆÅ¸½ƒÄ ¢¨¸¢©¸«’ ¢¨¸î¸ú¡¸ †µ¸ any transactions relating to granting of loans / advances or
›¸íú¿ ¥¸½÷¸¸ í¾. „œ¸£¸½Æ÷¸ ¥¸½›¸™½›¸ Ÿ¸Ê ¬¸¿¤¸¿¢š¸÷¸ œ¸®¸ ˆ½Å ¬¸£¸½ˆÅ¸£ /¢í÷¸ ˆÅú œÏˆ¼Å¢÷¸ investment by the Bank. The nature of concern/interest of
the related party in the above transactions is financial.
¢¨¸î¸ú¡¸ í¾.
The aforesaid transactions are undertaken pursuant to
„œ¸£¸½Æ÷¸ ¬¸ž¸ú ¥¸½›¸™½›¸ ¤¸ÿˆÅ ׸£¸ š¸¸¢£÷¸ ¢¨¸¢©¸«’ ‚›¸ºŸ¸¸½™›¸/ specific approvals/registrations/licenses held by the Bank
œ¸¿¸úˆÅ£µ¸/¥¸¸ƒ¬¸Ê¬¸ ˆ½Å ‚›¸º¬¸¸£ ¢ˆÅ‡ ¸¸÷¸½ íÿ ‚¸¾£ ¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê and are in furtherance of the business activities and in
ˆÅ¸½ ‚¸Š¸½ ¤¸õ¸›¸½ ÷¸˜¸¸ ¥¸¸Š¸» ˆÅ¸›¸»›¸¸Ê ˆ½Å ‚›¸º¬¸¸£ í¸½÷¸½ íÿ ‚¸¾£ ƒ¬¸¢¥¸‡ ¤¸ÿˆÅ ˆ½Å accordance with the applicable laws and therefore, in the
interest of the Bank.
¢í÷¸ Ÿ¸Ê í¸½÷¸½ íÿ.
The transactions as mentioned above at any time during the
¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢ˆÅ¬¸ú ž¸ú ¬¸Ÿ¸¡¸ …œ¸£ ¤¸÷¸¸‡ Š¸‡ ¥¸½›¸™½›¸ ¬¸½¤¸ú financial year may exceed the threshold of “material related
¬¸»¸ú¤¸Ö÷¸¸ ¢¨¸¢›¸¡¸Ÿ¸¸Ê ˆ½Å ÷¸í÷¸ ‡¥¸‚¸ƒÄ¬¸ú‡¸‡ûŇ¥¸ ˆ½Å ¢¥¸‡ "Ÿ¸í÷¨¸œ¸»µ¸Ä party transactions” under the SEBI Listing Regulations i.e
¬¸¿¤¸Ö œ¸®¸ ¥¸½›¸™½›¸" ˆÅú ¬¸úŸ¸¸ ‚˜¸¸Ä÷¸Ã ` 1,000 ˆÅ£¸½”õ ‚˜¸¨¸¸ ¤¸ÿˆÅ ˆ½Å ¢œ¸Ž¥¸½ `1,000 crore or 10% of the annual consolidated turnover of
the Bank, as per the last audited financial statement of the
¥¸½‰¸¸ œ¸£ú¢®¸÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¨¸¸¢«¸ÄˆÅ ¬¸Ÿ¸½¢ˆÅ÷¸ ˆÅ¸£¸½¤¸¸£ ˆ½Å Bank, whichever is lower, for LICHFL. All the transactions
10% (ƒ›¸Ÿ¸Ê ¬¸½ ¸¸½ ž¸ú ˆÅŸ¸ í¸½) ¬¸½ ‚¢š¸ˆÅ í¸½ ¬¸ˆÅ÷¸½ íÿ. ¬¸ž¸ú ¥¸½›¸-™½›¸ will be entered on arm’s length basis and in the ordinary
¬¨¸÷¸¿°¸ ¬¸¿¨¡¸¨¸í¸£ ‚¸š¸¸£ œ¸£ ‚¸¾£ ¤¸ÿˆÅ ‚¸¾£/¡¸¸ ƒ¬¸ˆ½Å ¬¸¿¤¸¿¢š¸÷¸ œ¸®¸¸Ê ˆ½Å course of the business of the Bank and/or its related
¨¡¸¨¸¬¸¸¡¸ ˆ½Å ¬¸¸Ÿ¸¸›¡¸ ‚›¸ºÇÅŸ¸ Ÿ¸Ê ™¸Ä ¢ˆÅ‡ ¸¸‡¿Š¸½. ¬¸™¬¡¸¸Ê ¬¸½ Ÿ¸¸¿Š¸¸ ¸¸ £í¸ parties. The approval being sought from the Members
shall be valid till the next Annual General Meeting of the
‚›¸ºŸ¸¸½™›¸ ¤¸ÿˆÅ ˆÅú ‚Š¸¥¸ú ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ ÷¸ˆÅ ¨¸¾š¸ £í½Š¸¸. Bank.
¤¸¸½”Ä ˆÅú ¥¸½‰¸¸ œ¸£ú®¸¸ ¬¸¢Ÿ¸¢÷¸ ‚¸¾£ ¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ›¸½ The Audit Committee of the Board and Board of Directors
‡¥¸‚¸ƒÄ¬¸ú‡¸‡ûŇ¥¸ ˆ½Å ¬¸¸˜¸ ¤¸ÿˆÅ ׸£¸ œÏ¬÷¸¸¢¨¸÷¸ ¬¸Ÿ¤¸Ö œ¸®¸ ¥¸½›¸™½›¸ of the Bank has granted approval for the related party
ˆ½Å ¢¥¸‡ ‚›¸ºŸ¸¸½™›¸ œÏ™¸›¸ ¢ˆÅ¡¸¸ í¾ ‚¸¾£ ¡¸í ž¸ú ›¸¸½’ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ¢ˆÅ transactions proposed to be entered into by the Bank
with LICHFL and has also noted that the said transactions
‡¥¸‚¸ƒÄ¬¸ú‡¸‡ûŇ¥¸ ˆ½Å ¬¸¸˜¸ „Æ÷¸ ¥¸½›¸™½›¸ ¬¨¸÷¸¿°¸ ¬¸¿¨¡¸¨¸í¸£ ‚¸š¸¸£ œ¸£ with LICHFL would be on an arm’s length basis and in the
‚¸¾£ ¤¸ÿˆÅ ˆ½Å ˆÅ¸£¸½¤¸¸£ ˆ½Å ¬¸¸Ÿ¸¸›¡¸ ‚›¸ºÇÅŸ¸ Ÿ¸Ê í¸ÊŠ¸½. ordinary course of the Bank’s business.

¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ¬¸»¸›¸¸ ˆÅú Ÿ¸™ ¬¸¿‰¡¸¸ 7 Ÿ¸Ê ¢›¸¢í÷¸ ¬¸¸Ÿ¸¸›¡¸ ¬¸¿ˆÅ¥œ¸ ˆÅ¸½ The Board of Directors recommends passing of the
Ordinary Resolution as contained at Item No.7 of the
œ¸¸¢£÷¸ ˆÅ£›¸½ ˆÅú ‚›¸º©¸¿¬¸¸ ˆÅ£÷¸¸ í¾. ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸
notice. In terms of Section 102(1) of the Companies
102(1) ˆÅú ‚›¸º¬¸¸£, ¡¸í œÏ¬÷¸º÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢ˆÅ ¤¸ÿˆÅ ˆÅ¸ ˆÅ¸½ƒÄ ž¸ú Act, 2013, it is submitted that none of the Directors or
¢›¸™½©¸ˆÅ ¡¸¸ œÏŸ¸º‰¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ ¡¸¸ „›¸ˆ½Å ¬¸¿¤¸¿š¸ú, œÏ÷¡¸®¸ ¡¸¸ ‚œÏ÷¡¸®¸ Key Managerial Personnel of the Bank or their relatives
³Åœ¸ ¬¸½, ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ Ÿ¸Ê „›¸ˆÅú ©¸½¡¸£š¸¸¢£÷¸¸, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, ˆÅú ¬¸úŸ¸¸ is, whether directly or indirectly, concerned or interested,
financial or otherwise, in the passing of the aforesaid
ˆÅ¸½ Ž¸½”õˆÅ£, „œ¸¡¸ºÄÆ÷¸ ¬¸¿ˆÅ¥œ¸ œ¸¸¢£÷¸ ˆÅ£¨¸¸›¸½ Ÿ¸Ê ¢¨¸î¸ú¡¸ ¡¸¸ ‚›¡¸ œÏˆÅ¸£ ¬¸½ resolution except to the extent of their shareholding, if any,
¬¸¿¤¸¦›š¸÷¸ ¡¸¸ ¢í÷¸¤¸Ö ›¸íú¿ í¾. in the Bank.

¬¸™¬¡¸ ˆ¼Åœ¸¡¸¸ š¡¸¸›¸ ™Ê ¢ˆÅ ¬¸½¤¸ú ¬¸»¸ú¤¸Ö÷¸¸ ¢¨¸¢›¸¡¸Ÿ¸¸Ê ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å The Members may please note that in terms of provisions
‚›¸º¬¸¸£, ˆÅ¸½ƒÄ ž¸ú ¬¸Ÿ¤¸Ö œ¸®¸ ¬¸¿¥¸Š›¸ ¨¸¸¢«¸ÄˆÅ Ÿ¸í¸¬¸ž¸¸ ˆÅú ¬¸»¸›¸¸ ˆÅú Ÿ¸™ of the SEBI Listing Regulations, no related party/ies shall
vote to approve the Ordinary Resolution at Item No. 7 of
¬¸¿‰¡¸¸ 7 ˆ½Å ¬¸¸Ÿ¸¸›¡¸ ¬¸¿ˆÅ¥œ¸ ˆÅ¸½ ‚›¸ºŸ¸¸½¢™÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ Ÿ¸÷¸™¸›¸ ›¸íú¿ the accompanying AGM Notice, whether the entity is a
ˆÅ£ÊŠ¸½, ž¸¥¸½ íú ¨¸½ ¢¨¸©¸½«¸ ¥¸½›¸™½›¸ ˆ½Å ¢¥¸‡ ¬¸¿¤¸¿¢š¸÷¸ œ¸®¸ í¸Ê ‚˜¸¨¸¸ ›¸íú¿. related party to the particular transaction or not.

22
4. ¬¸»¸›¸¸ ˆÅú Ÿ¸™ ¬¸¿. 8 ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 4. Explanatory Statement under Section 102 of the
Companies Act, 2013 in respect of Item No. 8 of the
102 ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¨¡¸¸‰¡¸¸÷Ÿ¸ˆÅ ¢¨¸¨¸£µ¸ Notice
›¸¸Ÿ¸¸¿ˆÅ›¸ ‡¨¸¿ œ¸¸¢£ª¢Ÿ¸ˆÅ ¬¸¢Ÿ¸¢÷¸ (‡›¸‚¸£¬¸ú) ›¸½ 28 ûÅ£¨¸£ú 2024 ˆÅ¸½ The Nomination and Remuneration Committee (NRC) at
¬¸¿œ¸››¸ ‚œ¸›¸ú ¤¸¾“ˆÅ Ÿ¸Ê ªú ¬¸º¢Ÿ¸÷¸ ûÅƈŸ ˆÅ¸½ ¤¸ÿˆÅ ˆ½Å ”ú‡Ÿ¸”ú ˆ½Å ³Åœ¸ Ÿ¸Ê ÷¸ú›¸ its meeting held on February 28, 2024 considered and
¬¸¸¥¸ ˆÅú ‚¨¸¢š¸ ˆ½Å ¢¥¸‡, ¸¸½ ‚¸¨¸÷¸Ä›¸ ‚¸š¸¸£ œ¸£ ¬¸½¨¸¸¢›¸¨¸¼¢÷¸ ˆ½Å ¢¥¸‡ ™¸¡¸ú recommended the proposal for appointment of Shri Sumit
Phakka as the DMD of the Bank for a period of three years,
í¸ÊŠ¸½, ˆÅú ¢›¸¡¸º¢Æ÷¸ ˆ½Å œÏ¬÷¸¸¨¸ œ¸£ ¢¨¸¸¸£ ¢ˆÅ¡¸¸ ‚¸¾£ ¤¸¸½”Ä ˆÅ¸½ „›¸ˆÅú Ÿ¸¿¸»£ú liable to retire by rotation, to the Board for their approval.
ˆ½Å ¢¥¸‡ ‚›¸º©¸¿¬¸¸ ˆÅú. ‡›¸‚¸£¬¸ú ˆÅú ‚›¸º©¸¿¬¸¸ ˆ½Å ‚›¸º¬¸£µ¸ Ÿ¸Ê ¤¸¸½”Ä ›¸½ 28 Pursuant to the recommendation of the NRC, Board at its
ûÅ£¨¸£ú 2024 ˆÅ¸½ ¬¸¿œ¸››¸ ‚œ¸›¸ú ¤¸¾“ˆÅ Ÿ¸Ê ÷¸ú›¸ ¬¸¸¥¸ ˆÅú ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ªú meeting held on February 28, 2024 ratified the proposal for
ûÅƈŸ ˆÅú ¢›¸¡¸º¢Æ÷¸ ˆ½Å œÏ¬÷¸¸¨¸ ˆÅú œ¸º¦«’ ˆÅú ‚¸¾£ ƒ¬¸ ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚›¸ºŸ¸¸½™›¸ ˆ½Å appointment of Shri Phakka for a period of three years and
¢¥¸‡ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆÅ¸½ ž¸½¸›¸½ ˆÅú ‚›¸º©¸¿¬¸¸ ˆÅú. ƒ¬¸ˆ½Å ‚¢÷¸¢£Æ÷¸, ¢£{¸¨¸Ä ¤¸ÿˆÅ recommended for submission to the RBI for their approval
in this regard. Further, RBI vide their letter dated May 31,
›¸½ 31 Ÿ¸ƒÄ 2024 ˆ½Å ‚œ¸›¸½ œ¸°¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ˆÅ¸¡¸Äž¸¸£ ¬¸¿ž¸¸¥¸›¸½ ˆÅú ÷¸¸£ú‰¸ 2024 approved the appointment of Shri Phakka as DMD
¬¸½ ÷¸ú›¸ ¬¸¸¥¸ ˆÅú ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ”ú‡Ÿ¸”ú ˆ½Å ³Åœ¸ Ÿ¸Ê ªú ûÅƈŸ ˆÅú ¢›¸¡¸º¢Æ÷¸ for a period of three years w.e.f. the date of him taking
ˆÅ¸½ ‚›¸ºŸ¸¸½¢™÷¸ ¢ˆÅ¡¸¸ ‚¸¾£ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ›¸½ 01 ¸»›¸ 2024 ˆÅ¸½ ”ú‡Ÿ¸”ú charge as DMD and the Board of Directors on June 01,
ˆ½Å ³Åœ¸ Ÿ¸Ê ˆÅ¸¡¸Äž¸¸£ ¬¸¿ž¸¸¥¸›¸½ ˆÅú ÷¸¸£ú‰¸ ¬¸½ ÷¸ú›¸ ¬¸¸¥¸ ˆÅú ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ 2024 approved the appointment of Shri Sumit Phakka for
ªú ¬¸º¢Ÿ¸÷¸ ûÅƈŸ ˆÅú ¢›¸¡¸º¢Æ÷¸ ˆÅ¸½, ¤¸ÿˆÅ ˆ½Å ¬¸™¬¡¸¸Ê ˆ½Å ‚›¸ºŸ¸¸½™›¸ ˆ½Å ‚š¸ú›¸, a period of three years w.e.f. the date of him taking charge
as DMD, subject to approval of the members of the Bank.
Ÿ¸¿¸»£ú œÏ™¸›¸ ˆÅú. ªú ûÅƈŸ ›¸½ ¬¸»¢¸÷¸ ¢ˆÅ¡¸¸ í¾ ¢ˆÅ ¨¸½ 10 ¸º¥¸¸ƒÄ 2024 Shri Phakka has informed that he would be joining the
÷¸ˆÅ ¤¸ÿˆÅ Ÿ¸½¿ ˆÅ¸¡¸Äž¸¸£ ŠÏíµ¸ ˆÅ£½¿Š¸½. ƒ¬¸ˆ½Å ‚¢÷¸¢£Æ÷¸, ªú ¬¸º¢Ÿ¸÷¸ ûÅƈŸ ˆ½Å Bank by July 10, 2024. Further, the Stock Exchanges will
”ú‡Ÿ¸”ú ˆ½Å ³Åœ¸ Ÿ¸Ê ˆÅ¸¡¸Äž¸¸£ ¬¸¿ž¸¸¥¸›¸½ ˆÅú ÷¸¸£ú‰¸ ˆ½Å ¤¸¸£½ Ÿ¸Ê ¬’¸ÁˆÅ ‡Æ¬¸¸Ê¸¸Ê be duly informed about the date of taking charge of Shri
ˆÅ¸½ ¢¨¸¢š¸¨¸÷¸ ¬¸»¢¸÷¸ ¢ˆÅ¡¸¸ ¸¸‡Š¸¸. Sumit Phakka as DMD.
The total fixed pay for Shri Phakka as approved by the RBI
¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ‚›¸ºŸ¸¸½¢™÷¸ ªú ûÅƈŸ ˆÅ¸ ˆºÅ¥¸ ¢›¸¡¸÷¸ ¨¸½÷¸›¸ `  90,50,048/- is ` 90,50,048/- which includes Provident Fund, Gratuity,
í¾ ¢¸¬¸Ÿ¸Ê ž¸¢¨¸«¡¸ ¢›¸¢š¸, ŠÏ½¡¸º’ú, Žº’Ã’ú ¢ˆÅ£¸¡¸¸ ¢£¡¸¸¡¸÷¸, Ÿ¸›¸¸½£¿¸›¸ ¨¡¸¡¸, Leave Fare Concession, Entertainment Expenses, Free
Ÿ¸ºÉ÷¸ ¬¸º¬¸¦¸÷¸ Ÿ¸ˆÅ¸›¸/Ÿ¸ˆÅ¸›¸ ¢ˆÅ£¸¡¸¸ ž¸î¸¸ ‚¸¾£ ‚›¡¸ œ¸¢£¥¸¦¤š¸¡¸¸¿ ©¸¸¢Ÿ¸¥¸ furnished house/ House rent allowances and any other
íÿ. ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸Ê, ¤¸ÿˆÅ ˆ½Å œÏ™©¸Ä›¸ ˆ½Å ‚¸š¸¸£ œ¸£ ‚¸¾£ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ‚›¸ºŸ¸¸½™›¸ perquisites. Presently, variable pay at the rate of 150%
ˆ½Å ‚š¸ú›¸, ”ú‡Ÿ¸”ú ˆÅ¸½ ¢›¸¡¸÷¸ ¨¸½÷¸›¸ ˆ½Å 150% ˆÅú ™£ ¬¸½ œ¸¢£¨¸÷¸úÄ ¨¸½÷¸›¸ ™½¡¸ of fixed pay would be payable to DMDs, based on the
performance of the Bank and subject to approval of the
í¸½Š¸¸. œÏ÷¡¸½ˆÅ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ªú ¬¸º¢Ÿ¸÷¸ ûÅƈŸ ˆ½Å ¬¸¸˜¸-¬¸¸˜¸ ¤¸ÿˆÅ ˆ½Å RBI. The remuneration of Sumit Phakka as well as other
‚›¡¸ ”¤¥¡¸»’ú”ú ˆÅ¸ œ¸¸¢£ª¢Ÿ¸ˆÅ ‡›¸‚¸£¬¸ú ‚¸¾£ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆ½Å ¤¸¸½”Ä WTDs of the Bank, for each financial year would be as per
ˆÅú ‚›¸º©¸¿¬¸¸ ˆ½Å ‚¸š¸¸£ œ¸£ ¨¸¸¢«¸ÄˆÅ ³Åœ¸ ¬¸½ ¢£{¸¨¸Ä ¤¸ÿˆÅ ¬¸½ ƒ¬¸ ¬¸¿¤¸¿š¸ Ÿ¸Ê œÏ¸œ÷¸ approval received in this regard from RBI annually based
‚›¸ºŸ¸¸½™›¸ ˆ½Å ‚›¸º¬¸¸£ í¸½Š¸¸. ƒ¬¸¢¥¸‡ ¬¸™¬¡¸¸Ê ¬¸½ ‚›¸º£¸½š¸ í¾ ¢ˆÅ ¨¸½ ¢£{¸¨¸Ä ¤¸ÿˆÅ on the recommendation of NRC and Board of IDBI Bank.
ˆ½Å ‚›¸ºŸ¸¸½™›¸ ˆ½Å ‚š¸ú›¸ í£ ¬¸¸¥¸ ”¤¥¡¸»’ú”ú ˆ½Å œ¸¸¢£ª¢Ÿ¸ˆÅ ˆÅ¸½ Ÿ¸¿¸»£ú ™½›¸½ ˆ½Å Hence the members are requested to authorize Board/
Committee to approve remuneration of WTDs every year
¢¥¸‡ ¤¸¸½”Ä/¬¸¢Ÿ¸¢÷¸ ˆÅ¸½ œÏ¸¢š¸ˆ¼Å÷¸ ˆÅ£Ê.
subject to approval of RBI.
‡¬¸‡¬¸-2 ‚¸¾£ ¬¸½¤¸ú ¬¸»¸ú¤¸Ö÷¸¸ ¢¨¸¢›¸¡¸Ÿ¸›¸¸Ê ˆ½Å ÷¸í÷¸ ‚œ¸½¢®¸÷¸ ¢¨¸¨¸£µ¸ ƒ¬¸ The details as required under SS-2 and SEBI Listing
¬¸»¸›¸¸ ˆ½Å ‚›¸º¤¸¿š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê œÏ™¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. Regulations has been provided as Annexure to this notice.
ªú ûÅƈŸ ˆÅ¸ ¬¸¿¢®¸œ÷¸ œ¸¢£¸¡¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾À The brief profile of Shri Phakka is provided hereinafter:
Shri Sumit Phakka is B.com & MBA in Finance from Jiwaji
ªú ¬¸º¢Ÿ¸÷¸ ûÅƈŸ ¸ú¨¸¸¸ú ¢¨¸æ¸¢¨¸Ô¸¸¥¸¡¸, Š¨¸¸¢¥¸¡¸£ ¬¸½ ¤¸ú. ˆÅ¸ÁŸ¸ ‡¨¸¿ ¢¨¸î¸ University, Gwalior and CAIIB. He is a senior banking
Ÿ¸Ê ‡Ÿ¸¤¸ú‡ íÿ ‚¸¾£ ¬¸ú‡‚¸ƒÄ‚¸ƒÄ¤¸ú íÿ. ¨¸½ ‡ˆÅ ¨¸¢£«“ ¤¸ÿ¢ˆ¿ÅŠ¸ œÏ¸½û½Å©¸›¸¥¸ professional with almost 30 years of experience in State
íÿ, ¢¸›íÊ ž¸¸£÷¸ú¡¸ ¬’½’ ¤¸ÿˆÅ (‡¬¸¤¸ú‚¸ƒÄ) Ÿ¸Ê ©¸¸‰¸¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ‚¸¾£ ¥¸‹¸º Bank of India (SBI) in various capacities and geographies,
‡¨¸¿ Ÿ¸š¡¸Ÿ¸ „Ô¸Ÿ¸¸Ê ˆÅ¸½ †µ¸ ¢¨¸÷¸£µ¸ ˆ½Å œ¸¡¸¸Äœ÷¸ ‡Æ¬¸œ¸¸½¸£ ¬¸¢í÷¸ ¢¨¸¢ž¸››¸ viz., New Delhi, Chandigarh, Mumbai, Toronto with
®¸Ÿ¸÷¸¸‚¸Ê ‚¸¾£ ž¸¸¾Š¸¸½¢¥¸ˆÅ ®¸½°¸¸Ê ¸¾¬¸½ - ›¸ƒÄ ¢™¥¥¸ú, ¸¿”úŠ¸õ, Ÿ¸º¿¤¸ƒÄ, ’¸½£¿’¸½ substantial exposure to branch banking and credit
delivery to small and medium enterprises. He is presently
Ÿ¸Ê ˆÅ¸¡¸Ä ˆÅ£›¸½ ˆÅ¸ ¥¸Š¸ž¸Š¸ 30 ¨¸«¸¸½ô ˆÅ¸ ‚›¸ºž¸¨¸ í¾. ¨¸½ ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸Ê ‡¬¸¤¸ú‚¸ƒÄ,
working as Chief General Manager in SBI, New Delhi.
›¸ƒÄ ¢™¥¥¸ú Ÿ¸Ê Ÿ¸º‰¡¸ Ÿ¸í¸œÏ¤¸¿š¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ˆÅ¸¡¸Ä£÷¸ íÿ. ¨¸½ ƒ¬¸¬¸½ œ¸í¥¸½ He was earlier posted as GM Commercial Clients Group
¨¸¸¢µ¸¦¡¸ˆÅ ŠÏ¸íˆÅ ¬¸Ÿ¸»í (¬¸ú¬¸ú¸ú), ›¸ƒÄ ¢™¥¥¸ú Ÿ¸Ê Ÿ¸í¸œÏ¤¸¿š¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê (CCG), New Delhi, wherein he was primarily responsible
ˆÅ¸¡¸Ä£÷¸ ˜¸½, ¸í¸¿ ¨¸½ Ÿ¸º‰¡¸ ³Åœ¸ ¬¸½ Ÿ¸š¡¸-ˆÅ¸Á£œ¸¸½£½’ ‚¢ŠÏŸ¸¸Ê ˆ½Å ˆÅ¸£¸½¤¸¸£ for business growth of mid-corporate advances and
¢¨¸ˆÅ¸¬¸ ‚¸¾£ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ˆÅú Š¸ºµ¸¨¸î¸¸ ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¢¸ŸŸ¸½™¸£ ˜¸½. ensuring the portfolio quality. He was handling portfolio
¨¸½ ` 66,000 ˆÅ£¸½”õ ˆÅú ‡ûŤ¸ú ¬¸º¢¨¸š¸¸‚¸Ê ‚¸¾£ ¥¸Š¸ž¸Š¸ ` 11,000 ˆÅ£¸½”õ size of ` 66,000 crore of FB facilities and about ` 11,000
crore of NFB facilities. He was also the member of credit
ˆÅú ‡›¸‡ûŤ¸ú ¬¸º¢¨¸š¸¸‚¸Ê ˆ½Å œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ˆÅ¸½ ¬¸¿ž¸¸¥¸ £í½ ˜¸½. ¨¸½ ‡¬¸¤¸ú‚¸ƒÄ committee SBI and responsible for sanction of corporate
†µ¸ ¬¸¢Ÿ¸¢÷¸ ˆ½Å ¬¸™¬¡¸ ž¸ú ˜¸½ ‚¸¾£ `  155 ˆÅ£¸½”õ ÷¸ˆÅ ˆ½Å ‡Æ¬¸œ¸¸½¸£ ¨¸¸¥¸½ credit proposals emanating from various CCG branches
¢¨¸¢ž¸››¸ ¬¸ú¬¸ú¸ú ©¸¸‰¸¸‚¸Ê ¬¸½ œÏ¸œ÷¸ ˆÅ¸Á£œ¸¸½£½’ †µ¸ œÏ¬÷¸¸¨¸¸Ê ˆÅú Ÿ¸¿¸»£ú ˆ½Å with exposure upto ` 155 crore. He has earlier worked as
¢¥¸‡ ¢¸ŸŸ¸½™¸£ ˜¸½. œ¸í¥¸½ ¨¸½ ¸¿”úŠ¸õ Ÿ¸Ê ›¸½’¨¸ˆÄÅ 1 ˆ½Å Ÿ¸í¸œÏ¤¸¿š¸ˆÅ ˆ½Å ³Åœ¸ General Manager of Network 1 at Chandigarh where he
Ÿ¸Ê ˆÅ¸¡¸Ä ˆÅ£ ¸ºˆ½Å íÿ, ¸í¸¿ „›í¸Ê›¸½ œ¸¿¸¸¤¸ £¸¡¸ Ÿ¸Ê û¾Å¥¸½ 3 œÏ©¸¸¬¸¢›¸ˆÅ ‚¸¾£ has headed the largest retail network of SBI branches (865
branches with total balance sheet size of ` 1.71 lakh crore)
18 ®¸½°¸ú¡¸ ˆÅ¸¡¸¸Ä¥¸¡¸¸Ê ˆ½Å ¬¸¸˜¸ ‡¬¸¤¸ú‚¸ƒÄ ©¸¸‰¸¸‚¸Ê (` 1.71 ¥¸¸‰¸ ˆÅ£¸½”õ with 3 administrative and 18 regional offices spread across
ˆ½Å ˆºÅ¥¸ ÷¸º¥¸›¸-œ¸°¸ ¨¸¸¥¸ú 865 ©¸¸‰¸¸‚¸Ê) ˆ½Å ¬¸¤¸¬¸½ ¤¸”õ½ ‰¸º™£¸ ›¸½’¨¸ˆÄÅ ˆ½Å the state of Punjab. He has also worked in various scales in
œÏŸ¸º‰¸ ˜¸½. „›í¸Ê›¸½ Ÿ¸º¿¤¸ƒÄ Ÿ¸Ê ˆÅ¸Á£œ¸¸½£½’ ¥¸½‰¸¸ ¬¸Ÿ¸»í¸Ê Ÿ¸Ê ž¸ú ¢¨¸¢ž¸››¸ ¬÷¸£¸Ê œ¸£ Corporate Accounts Group in Mumbai and is experienced
ˆÅ¸Ÿ¸ ¢ˆÅ¡¸¸ í¾ ‚¸¾£ ©¸¸‰¸¸ ¤¸ÿ¢ˆ¿ÅŠ¸, ‰¸º™£¸ ¬¸¿¬¸¸š¸›¸¸Ê ˆ½Å ¬¸¿ŠÏíµ¸ ˆ½Å ¬¸¸˜¸-¬¸¸˜¸ in branch banking, mobilization of retail resources as well

23
 ‰¸º™£¸, ˆ¼Å¢«¸, ‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ ¸¾¬¸½ ®¸½°¸¸Ê Ÿ¸Ê †µ¸ ¢¨¸÷¸£µ¸, ¨¸¬¸»¥¸ú ‚¸¢™ ˆÅ¸ as credit delivery in sectors like Retail, Agriculture, MSME,
‚›¸ºž¸¨¸ í¾. ¨¸½ œ¸¸¿¸ ¨¸«¸¸½ô ÷¸ˆÅ ‡¬¸¤¸ú‚¸ƒÄ ˆ½Å ˆÅ›¸¸”¸ œ¸¢£¸¸¥¸›¸¸Ê ˆ½Å „œ¸¸š¡¸®¸ Recovery, etc. He was the Vice President (credit) at SBI’s
Canadian Operations for five years where he managed the
(ǽŢ”’) £í½, ¸í¸¿ „›í¸Ê›¸½ ˆÅ›¸¸”¸ Ÿ¸Ê ¤¸ÿˆÅ ˆ½Å ˆÅ¸Á£œ¸¸½£½’ †µ¸ œ¸¸½’ÄûŸ½¢¥¸¡¸¸½ ˆÅ¸ corporate credit portfolio of the Bank in Canada which
œÏ¤¸¿š¸›¸ ¢ˆÅ¡¸¸, ¢¸¬¸Ÿ¸Ê ¢×œ¸®¸ú¡¸ ¬¸¸¾™¸Ê ‚¸¾£ ¢¬¸¿¢”ˆ½Å’ ‚¢ŠÏŸ¸¸Ê ˆ½Å ¬¸¸˜¸-¬¸¸˜¸ included marketing for new deals including bilateral deals
ž¸¸£÷¸ ‚¸š¸¸¢£÷¸ ¬¸¸¾™¸Ê ¬¸¢í÷¸ ›¸‡ ¬¸¸¾™¸Ê ˆ½Å ¢¥¸‡ ¢¨¸œ¸µ¸›¸ ‚¸¾£ †µ¸ Š¸ºµ¸¨¸î¸¸ and syndicate advances as well as India based deals and
¤¸›¸¸‡ £‰¸›¸¸ ©¸¸¢Ÿ¸¥¸ ˜¸¸. maintaining credit quality.
The Board of Directors recommends passing of the
¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ¬¸»¸›¸¸ Ÿ¸Ê ¢›¸¢í÷¸ Ÿ¸™ ¬¸¿. 8 ˆ½Å ¬¸¸Ÿ¸¸›¡¸ ¬¸¿ˆÅ¥œ¸ ˆÅ¸½ œ¸¸¢£÷¸ Ordinary Resolution as contained at Item No. 8 of the
ˆÅ£›¸½ ˆÅú ‚›¸º©¸¿¬¸¸ ˆÅ£÷¸¸ í¾. ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 102(1) notice. In terms of Section 102(1) of the Companies Act,
ˆ½Å ‚›¸º¬¸¸£, ¡¸í œÏ¬÷¸º÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ¢ˆÅ ¤¸ÿˆÅ ˆÅ¸ ˆÅ¸½ƒÄ ž¸ú ¢›¸™½©¸ˆÅ (¬¨¸¡¸¿ ªú 2013, it is submitted that none of the Directors (other than
¬¸º¢Ÿ¸÷¸ ûÅƈŸ ˆ½Å ‚¥¸¸¨¸¸) ¡¸¸ œÏŸ¸º‰¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ ¡¸¸ „›¸ˆ½Å ¢£©÷¸½™¸£, Shri Sumit Phakka himself) or Key Managerial Personnel
œÏ÷¡¸®¸ ¡¸¸ ‚œÏ÷¡¸®¸ ³Åœ¸ ¬¸½, ¤¸ÿˆÅ Ÿ¸Ê „›¸ˆÅú ©¸½¡¸£š¸¸¢£÷¸¸, ¡¸¢™ ˆÅ¸½ƒÄ í¸½, of the Bank or their relatives is, whether directly or
indirectly, concerned or interested, financial or otherwise,
ˆÅú ¬¸úŸ¸¸ ˆÅ¸½ Ž¸½”õˆÅ£, œÏ¬÷¸¸¨¸ œ¸¸¢£÷¸ ˆÅ£›¸½ Ÿ¸Ê ¢¨¸î¸ú¡¸ ¡¸¸ ‚›¡¸˜¸¸ ³Åœ¸ Ÿ¸Ê in the passing of resolution except to the extent of their
¬¸¿¤¸¿¢š¸÷¸ ¡¸¸ ¢í÷¸¤¸Ö ›¸íú¿ íÿ. ªú ¬¸º¢Ÿ¸÷¸ ûÅƈŸ ˆÅ¸ ¤¸ÿˆÅ ˆ½Å ¤¸¸½”Ä Ÿ¸Ê ¢ˆÅ¬¸ú shareholding, if any, in the Bank. Shri Sumit Phakka is not
‚›¡¸ ¢›¸™½©¸ˆÅ ¡¸¸ ¤¸ÿˆÅ ˆ½Å ¢ˆÅ¬¸ú œÏŸ¸º‰¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ ¬¸½ ˆÅ¸½ƒÄ ¬¸¿¤¸¿š¸ related to any other Director on the Board of the Bank or
›¸íú¿ í¾. any Key Managerial Personnel of the Bank.
5. Explanatory Statement under Section 102 of the
5. ¬¸»¸›¸¸ ˆÅú Ÿ¸™ ¬¸¿. 9 ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸
Companies Act, 2013 in respect of Item No. 9 of the
102 ˆ½Å ‚š¸ú›¸ ¨¡¸¸‰¡¸¸÷Ÿ¸ˆÅ ¢¨¸¨¸£µ¸ Notice
ªúŸ¸÷¸ú œ¸ú.¨¸ú. ž¸¸£÷¸ú (”ú‚¸ƒÄ‡›¸À 06519925) ˆÅ¸½ 14 ¸›¸¨¸£ú 2021 Smt. P.V. Bharathi (DIN: 06519925) was appointed as an
¬¸½ 4 ¨¸«¸¸½ô ˆÅú œÏ¸£¿¢ž¸ˆÅ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ˆ½Å ¤¸¸½”Ä Ÿ¸Ê Independent Director on the Board of IDBI Bank w.e.f.
‡ˆÅ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢›¸¡¸ºÆ÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸. ¨¸í 13 ¸›¸¨¸£ú January 14, 2021 for an initial period of 4 years. She is
completing her current tenure of 4 years on January 13,
2025 ˆÅ¸½ ‚œ¸›¸½ 4 ¬¸¸¥¸ ˆÅ¸ ¨¸÷¸ÄŸ¸¸›¸ ˆÅ¸¡¸ÄˆÅ¸¥¸ œ¸»£¸ ˆÅ£ £íú íÿ. ¤¸ÿˆÅ ˆ½Å 2025. In terms of Section 149(10) of the Companies
¬¸¿¬˜¸¸ ˆ½Å ‚¿÷¸¢›¸Ä¡¸Ÿ¸ ˆ½Å ‚›¸ºŽ½™ 116(1) (vi) ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸ ˆ¿Åœ¸›¸ú Act, 2013 read with Article 116(1) (vi) of the Articles of
‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 149(10) ˆ½Å ‚›¸º¬¸¸£, ªúŸ¸÷¸ú œ¸ú.¨¸ú. ž¸¸£÷¸ú Association of the Bank, Smt. P.V. Bharathi is eligible for
¥¸Š¸¸÷¸¸£ 4 ¨¸«¸¸½ô ˆ½Å ™»¬¸£½ ˆÅ¸¡¸ÄˆÅ¸¥¸ í½÷¸º œ¸º›¸¢›¸Ä¡¸º¢Æ÷¸ ˆ½Å ¢¥¸‡ œ¸¸°¸ íÿ. reappointment for second term of 4 consecutive years.
ªúŸ¸÷¸ú œ¸ú.¨¸ú. ž¸¸£÷¸ú ›¸½ ¬¨¸¡¸¿ ˆÅ¸½ œ¸º›¸¢›¸Ä¡¸º¢Æ÷¸ ˆ½Å ¢¥¸‡ ‚¸ÁûÅ£ ¢ˆÅ¡¸¸ í¾. Smt. P.V. Bharathi has offered herself for re-appointment.
In terms of the provisions of Para VIII (2) of Schedule IV
ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú ‚›¸º¬¸»¸ú IV ˆ½Å œ¸¾£¸ VIII (2) ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê of the Companies Act, 2013 and based on the Annual
ˆ½Å ‚›¸º¬¸¸£ ‚¸¾£ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 ˆ½Å ¢¥¸‡ ¢ˆÅ‡ Š¸‡ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ¸Ê Evaluation of Independent Directors carried out for FY
ˆ½Å ¨¸¸¢«¸ÄˆÅ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆ½Å ‚¸š¸¸£ œ¸£, ªúŸ¸÷¸ú œ¸ú.¨¸ú. ž¸¸£÷¸ú ˆÅ¸½ 14 ¸›¸¨¸£ú 2023-24, it is proposed to re-appoint Smt. P.V. Bharathi as
2025 ¬¸½ ¥¸Š¸¸÷¸¸£ 4 ¨¸«¸¸½ô ˆ½Å ™»¬¸£½ ˆÅ¸¡¸ÄˆÅ¸¥¸ ˆ½Å ¢¥¸‡ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ an Independent Director for second term of 4 consecutive
ˆ½Å ³Åœ¸ Ÿ¸Ê œ¸º›¸¢›¸Ä¡¸ºÆ÷¸ ˆÅ£›¸½ ‚¸¾£ ƒ¬¸ ‡¸ú‡Ÿ¸ ˆ½Å ›¸¸½¢’¬¸ ˆÅú Ÿ¸™ ¬¸¿. 9 Ÿ¸Ê years w.e.f. January 14, 2025 and pass the resolution
contained under Item No.9 of this AGM Notice. It may
¢™¡¸½ Š¸‡ ¬¸¿ˆÅ¥œ¸ ˆÅ¸½ œ¸¸¢£÷¸ ˆÅ£›¸½ ˆÅ¸ œÏ¬÷¸¸¨¸ í¾. ¡¸í ›¸¸½’ ¢ˆÅ¡¸¸ ¸¸¡¸½ ¢ˆÅ be noted that Smt. P.V. Bharathi has given a declaration
ªúŸ¸÷¸ú œ¸ú.¨¸ú. ž¸¸£÷¸ú ›¸½ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 149(7) ˆ½Å under Section 149(7) of the Companies Act, 2013 that
÷¸í÷¸ ¡¸í ‹¸¸½«¸µ¸¸ ˆÅú í¾ ¢ˆÅ ¨¸í ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 149(6) she continues to meet the criteria of Independence as
‚¸¾£ ¬¸½¤¸ú ¬¸»¸ú¤¸Ö ¢¨¸¢›¸¡¸Ÿ¸¸Ê ˆ½Å ¢¨¸¢›¸¡¸Ÿ¸›¸ 16 Ÿ¸Ê ¢™‡ Š¸‡ ¬¨¸÷¸¿°¸÷¸¸ ˆ½Å provided in Section 149(6) of the Companies Act, 2013
Ÿ¸¸›¸™¿”¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£ £íú íÿ. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸, ¤¸¸½”Ä ˆ½Å Ÿ¸÷¸¸›¸º¬¸¸£ ž¸ú, ¨¸í and Regulation 16 of SEBI Listing Regulations. Further,
in the opinion of the Board also, she fulfills the conditions
‡½¬¸ú ¢›¸¡¸º¢Æ÷¸ ˆ½Å ¢¥¸‡ ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ‚¸¾£ „¬¸ˆ½Å ÷¸í÷¸ ¤¸›¸¸‡
specified in the Companies Act, 2013 and rules made
Š¸‡ ¢›¸¡¸Ÿ¸¸Ê, ¬¸½¤¸ú ¬¸»¸ú¤¸Ö ¢¨¸¢›¸¡¸Ÿ¸¸Ê ‚¸¾£ ¤¸ÿˆÅˆÅ¸£ú ¢¨¸¢›¸¡¸Ÿ¸›¸ ‚¢š¸¢›¸¡¸Ÿ¸, thereunder, SEBI Listing Regulations and the Banking
1949 Ÿ¸Ê ¢›¸¢™Ä«’ ©¸÷¸¸½ô ˆÅ¸½ œ¸»£¸ ˆÅ£÷¸ú íÿ ‚¸¾£ ¢›¸™½©¸ˆÅ œÏ¤¸¿š¸›¸ ¬¸½ ¬¨¸÷¸¿°¸ í¾. Regulation Act, 1949 for such an appointment and that
the Director is independent of the management.
ªúŸ¸÷¸ú œ¸ú.¨¸ú. ž¸¸£÷¸ú ¤¸¸½”Ä/¬¸¢Ÿ¸¢÷¸ ˆÅú ¤¸¾“ˆÅ¸Ê Ÿ¸Ê ž¸¸Š¸ ¥¸½›¸½ ˆ½Å ¢¥¸‡ ¤¸¾“ˆÅ
©¸º¥ˆÅ ˆ½Å ž¸ºŠ¸÷¸¸›¸ ˆ½Å ¬¸¸˜¸-¬¸¸˜¸ ‚œ¸›¸½ œ¸¢£¨¸í›¸, ¡¸¸°¸¸ ‚¸¾£ “í£›¸½ ˆÅú Smt. P.V. Bharathi shall be entitled to the payment of
sitting fees for attending Board / Committee Meetings
¨¡¸¨¸¬˜¸¸ ˆÅú œÏ¢÷¸œ¸»¢÷¸Ä ˆÅú íˆÅ™¸£ í¸ÊŠ¸ú. ‡›¸‚¸£¬¸ú ˆÅú ¢¬¸ûöŸ¢£©¸ ˆ½Å ‚¸š¸¸£ as well as reimbursement of her transport, travel and
œ¸£ ¤¸¸½”Ä ªúŸ¸÷¸ú œ¸ú.¨¸ú. ž¸¸£÷¸ú ˆÅ¸½ 14 ¸›¸¨¸£ú 2025 ¬¸½ ¥¸Š¸¸÷¸¸£ 4 ¨¸«¸¸½ô stay arrangements. Based on recommendation of the
ˆ½Å ™»¬¸£½ ˆÅ¸¡¸ÄˆÅ¸¥¸ ˆ½Å ¢¥¸‡ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢›¸¡¸ºÆ÷¸ ˆÅ£›¸½ ˆÅú NRC, Board recommends the appointment of Smt. P.V.
‚›¸º©¸¿¬¸¸ ˆÅ£÷¸¸ í¾. Bharathi as Independent Director for the second term of 4
consecutive year w.e.f. January 14, 2025.
‡¬¸‡¬¸-2 ‚¸¾£ ¬¸½¤¸ú ¬¸»¸ú¤¸Ö ¢¨¸¢›¸¡¸Ÿ¸¸Ê ˆ½Å ÷¸í÷¸ ‚œ¸½¢®¸÷¸ ¢¨¸¨¸£µ¸ ƒ¬¸ The details as required under SS-2 and SEBI Listing
›¸¸½¢’¬¸ ˆ½Å ‚›¸º¤¸¿š¸ ˆ½Å ³Åœ¸ Ÿ¸Ê œÏ™¸›¸ ¢™‡ Š¸‡ íÿ. Regulations have been provided as Annexure to this
ªúŸ¸÷¸ú œ¸ú.¨¸ú. ž¸¸£÷¸ú ˆÅ¸ ¬¸¿¢®¸œ÷¸ œÏ¸½ûŸƒ¥¸ ›¸ú¸½ ¢™¡¸¸ Š¸¡¸¸ í¾À notice.
The brief profile of Smt. P.V. Bharathi is provided hereinafter:
ªúŸ¸÷¸ú œ¸ú.¨¸ú. ž¸¸£÷¸ú 31 Ÿ¸¸¸Ä 2020 ˆÅ¸½ ˆÅ¸Á£œ¸¸½£½©¸›¸ ¤¸ÿˆÅ ˆ½Å œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ Smt. P.V. Bharathi retired as Managing Director and CEO
‡¨¸¿ ¬¸úƒÄ‚¸½ ˆ½Å ³Åœ¸ Ÿ¸Ê ¬¸½¨¸¸¢›¸¨¸¼î¸ íºƒô. 01 ûÅ£¨¸£ú 2019 ¬¸½ ˆÅ¸Á£œ¸¸½£½©¸›¸ of Corporation Bank on March 31, 2020. During her
¤¸ÿˆÅ Ÿ¸Ê ‚œ¸›¸½ ˆÅ¸¡¸ÄˆÅ¸¥¸ ˆ½Å ™¸¾£¸›¸ „›í¸Ê›¸½ ¤¸ÿˆÅ ˆÅ¸½ Ÿ¸¸¤¸»÷¸ ›¸½÷¸¼÷¨¸ œÏ™¸›¸ ¢ˆÅ¡¸¸ tenure with Corporation Bank from February 01, 2019,
‚¸¾£ ˆÅ¸¬¸¸ ¸º’¸›¸½, ˆ¼Å¢«¸, ‰¸º™£¸ ‚¸¾£ ‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ ‚¢ŠÏŸ¸¸Ê œ¸£ ¸¸½£ ™½›¸½ ˆ½Å she provided strong leadership to the Bank and put the
¬¸¸˜¸ Š¸ºµ¸¨¸î¸¸œ¸»µ¸Ä †µ¸ ¨¸¼¢Ö ‚¸¾£ ‚¸¦¬÷¸ Š¸ºµ¸¨¸î¸¸ Ÿ¸Ê ¬¸ºš¸¸£ ˆÅ£›¸½ œ¸£ š¡¸¸›¸ Bank on a growth path through various strategic initiatives

24
 ˆ½Å¦›Í÷¸ ˆÅ£›¸½ ˆ½Å ¬¸¸˜¸ ¢¨¸¢ž¸››¸ £µ¸›¸ú¢÷¸ˆÅ œ¸í¥¸ˆÅ¸¡¸¸½ô ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¤¸ÿˆÅ ˆÅ¸½ with focus on Mobilizing CASA, Quality Credit growth with
emphasis on Agriculture, Retail and MSME advances and
¢¨¸ˆÅ¸¬¸ œ¸˜¸ œ¸£ ‚ŠÏ¬¸£ ¢ˆÅ¡¸¸. ƒ¬¸¬¸½ œ¸í¥¸½ ¨¸í ˆ½Å›¸£¸ ¤¸ÿˆÅ Ÿ¸Ê ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ
improving asset quality. Prior to this, she was Executive
¢›¸™½©¸ˆÅ (”¤¥¡¸»’ú”ú) ˜¸ú¿. ªúŸ¸÷¸ú ž¸¸£÷¸ú ›¸½ 1982 Ÿ¸Ê ¤¸ÿ¢ˆ¿ÅŠ¸ „Ô¸¸½Š¸ Ÿ¸Ê Director (WTD) at Canara Bank. Ms. Bharathi joined the
‡ˆÅ ‚¢š¸ˆÅ¸£ú ˆ½Å ³Åœ¸ Ÿ¸Ê ˆ½Å›¸£¸ ¤¸ÿˆÅ Ÿ¸Ê ˆÅ¸¡¸ÄŠÏíµ¸ ¢ˆÅ¡¸¸ ‚¸¾£ „›í¸Ê›¸½ ¤¸ÿˆÅ Banking Industry as an Officer in 1982 in Canara Bank and
ˆÅú ©¸¸‰¸¸‚¸Ê ‡¨¸¿ œÏ©¸¸¬¸¢›¸ˆÅ ˆÅ¸¡¸¸Ä¥¸¡¸¸Ê Ÿ¸Ê ¢¨¸¢ž¸››¸ œ¸™¸Ê œ¸£ ˆÅ¸¡¸Ä ˆÅ£›¸½ ˆ½Å served in various capacities in Branches & Administrative
¬¸¸˜¸-¬¸¸˜¸ ¤¸ÿˆÅ ˆ½Å í¸¿Š¸ˆÅ¸¿Š¸ ˆÅ¸¡¸¸Ä¥¸¡¸ Ÿ¸Ê ˆÅ¸¡¸Ä ¢ˆÅ¡¸¸. Ÿ¸í¸œÏ¤¸¿š¸ˆÅ ˆ½Å ³Åœ¸ Offices of the Bank as well as in Hong Kong office of the
Ÿ¸Ê ¨¸í ¤¸ÿˆÅ ˆÅú Ÿ¸º‰¡¸ ¸¸½¢‰¸Ÿ¸ ‚¢š¸ˆÅ¸£ú ˜¸ú¿. ¨¸í ¤¸ÿ¢ˆ¿ÅŠ¸ œ¸¢£¸¸¥¸›¸¸Ê Ÿ¸Ê 37 Bank. As a General Manager, she was Chief Risk Officer
of the Bank. She is a seasoned banker with over 37 years
¨¸«¸¸½ô ¬¸½ ‚¢š¸ˆÅ ˆ½Å ¢¨¸¢¨¸š¸ ‚›¸ºž¸¨¸ ˆ½Å ¬¸¸˜¸ ‡ˆÅ ‚›¸ºž¸¨¸ú ¤¸ÿˆÅ£ íÿ. ¨¸í ˆ½Å›¸£¸ of varied experience in Banking Operations. She was on
¤¸ÿˆÅ ˆÅú ¢¨¸¢ž¸››¸ ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸¢›¸¡¸¸Ê ˆ½Å ¤¸¸½”Ä Ÿ¸Ê ˜¸ú¿ ‚¸¾£ „›íÊ ž¸¸£÷¸ ¬¸£ˆÅ¸£ the Board of various subsidiaries of Canara Bank and had
׸£¸ ƒ¿¢”¡¸¸ ƒ¿üŸ¬’ïƍ¸£ ûŸƒ›¸Ê¬¸ ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” (‚¸ƒÄ‚¸ƒÄ‡ûöŬ¸ú‡¥¸) been appointed as Scheduled Commercial Banks' (SCBs)
ˆ½Å ¤¸¸½”Ä Ÿ¸Ê ‚›¸º¬¸»¢¸÷¸ ¨¸¸¢µ¸¦¡¸ˆÅ ¤¸ÿˆÅ¸Ê (‡¬¸¬¸ú¤¸ú) ˆ½Å ›¸¸¢Ÿ¸÷¸ú ¢›¸™½©¸ˆÅ Nominee Director on the Board of India Infrastructure
ˆ½Å ³Åœ¸ Ÿ¸Ê ¢›¸¡¸ºÆ÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸. ªúŸ¸÷¸ú œ¸ú.¨¸ú. ž¸¸£÷¸ú ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸Ê Finance Company Limited (IIFCL) by Government of India.
Smt. P.V. Bharathi currently serves as Independent Director
‚¸ƒÄ”ú‡ûŬ¸ú ûŬ’Ä ž¸¸£÷¸ ¢¥¸¢Ÿ¸’½”, œ¸ú’ú¬¸ú ƒ¿¢”¡¸¸ ûŸƒ›¸Ê¢©¸¡¸¥¸ ¬¸¢¨¸Ä¬¸½¸ on the Board of IDFC FIRST Bharat Limited, PTC India
¢¥¸¢Ÿ¸’½” Ÿ¸Ê ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê, ›¸¨¸¢ˆÅ¬¸¸›¸ ûŸƒ›¸Ê¬¸ ¢¥¸¢Ÿ¸’½” Ÿ¸Ê Financial Services Ltd., Independent Director and Non-
¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ Š¸¾£-ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ‚š¡¸®¸ ˆ½Å ³Åœ¸ Ÿ¸Ê, Ÿ¸¿¸»£ú œ¸ä¸¸÷¸ Executive Chairman on the Board of NABKISAN Finance
†µ¸ œ¸º›¸¬¸Ä£¸›¸¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅú œÏ¢ÇÅ¡¸¸ ˆÅ¸½ ¨¸¾š¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‚¸ƒÄ¤¸ú‡ ¬÷¸£ Ltd., Alternate Chairperson in Expert Committee set up
œ¸£ Š¸¢“÷¸ ¢¨¸©¸½«¸±¸ ¬¸¢Ÿ¸¢÷¸ Ÿ¸Ê ¨¸¾ˆÅ¦¥œ¸ˆÅ ‚š¡¸®¸ ‚¸¾£ ¬¸Ÿ¸¸¸¾÷¸¸ œÏ¬÷¸¸¨¸, at IBA level to validate the process of Loan Restructuring
cases post sanction and External Member of SBI’s
‡‚¸£¬¸ú/¤¸ÿˆÅ/‡ûÅ‚¸ƒÄ/‡›¸¤¸ú‡ûŬ¸ú ˆÅ¸½ ¢¤¸ÇÅú ˆ½Å ¢¥¸‡ ¸¸¿¸ ‚¸¾£ ‚›¸º©¸¿¬¸¸ Screening Committee for scrutiny and recommendation of
ˆ½Å ¢¥¸‡ ‡¬¸¤¸ú‚¸ƒÄ ˆÅú ¬ÇÅú¢›¸¿Š¸ ¬¸¢Ÿ¸¢÷¸ ˆÅú ¤¸¸í£ú ¬¸™¬¡¸ íÿ. Compromise Proposal, Sale to ARC/Bank / Fl / NBFC.
The Board of Directors recommends passing of the Special
¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ¬¸»¸›¸¸ ˆÅú Ÿ¸™ ¬¸¿‰¡¸¸ 9 Ÿ¸Ê ¢›¸¢í÷¸ ¢¨¸©¸½«¸ ¬¸¿ˆÅ¥œ¸ ˆÅ¸½ œ¸¸¢£÷¸
Resolution as contained at Item No. 9 of the notice. In
ˆÅ£›¸½ ˆÅú ‚›¸º©¸¿¬¸¸ ˆÅ£÷¸¸ í¾. ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 102(1) terms of Section 102(1) of the Companies Act, 2013, it is
ˆ½Å ‚›¸º¬¸¸£, ¡¸í œÏ¬÷¸º÷¸ ¢ˆÅ¡¸¸ ¸¸÷¸¸ í¾ ¢ˆÅ ˆÅ¸½ƒÄ ž¸ú ¢›¸™½©¸ˆÅ (¬¨¸¡¸¿ ªúŸ¸÷¸ú submitted that none of the Directors (other than Smt. P.V.
œ¸ú.¨¸ú. ž¸¸£÷¸ú ˆ½Å ‚¥¸¸¨¸¸) ¡¸¸ ¤¸ÿˆÅ ˆ½Å Ÿ¸º‰¡¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ ¡¸¸ „›¸ˆ½Å Bharathi herself) or Key Managerial Personnel of the Bank
¬¸¿¤¸¿š¸ú œÏ÷¡¸®¸ ¡¸¸ œ¸£¸½®¸ ³Åœ¸ ¬¸½ ƒ¬¸ ¬¸¿ˆÅ¥œ¸ ˆÅ¸½ œ¸¸¢£÷¸ ˆÅ£›¸½ Ÿ¸Ê, ¤¸ÿˆÅ Ÿ¸Ê or their relatives is, whether directly or indirectly, concerned
‚œ¸›¸ú ©¸½¡¸£š¸¸¢£÷¸¸, ¡¸¢™ ˆÅ¸½ƒÄ í¸½ ˆÅ¸½ Ž¸½”õˆÅ£, ¢¨¸î¸ú¡¸ ¡¸¸ ‚›¡¸ œÏˆÅ¸£ or interested, financial or otherwise, in the passing of
resolution except to the extent of their shareholding, if any,
¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¡¸¸ ¢í÷¸¤¸Ö ›¸íú¿ íÿ. ªúŸ¸÷¸ú œ¸ú. ¨¸ú. ž¸¸£÷¸ú ˆÅ¸ ¤¸ÿˆÅ ˆ½Å ¤¸¸½”Ä Ÿ¸Ê in the Bank. Smt. P.V. Bharathi is not related to any other
¢ˆÅ¬¸ú ‚›¡¸ ¢›¸™½©¸ˆÅ ¡¸¸ ¤¸ÿˆÅ ˆ½Å ¢ˆÅ¬¸ú œÏŸ¸º‰¸ œÏ¤¸¿š¸ˆÅú¡¸ ˆÅ¸¢Ÿ¸ÄˆÅ ¬¸½ ˆÅ¸½ƒÄ ¬¸¿¤¸¿š¸ Director on the Board of the Bank or any Key Managerial
›¸íú¿ í¾. Personnel of the Bank.

¤¸¸½”Ä ˆ½Å ‚¸™½©¸ ׸£¸ By Order of the Board

ˆ¼Å÷¸½ ‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½”
For IDBI Bank Limited

£¸ˆ½Å©¸ ©¸Ÿ¸¸Ä Rakesh Sharma

‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ MD & CEO
”ú‚¸ƒÄ‡›¸À 06846594 DIN: 06846594

œ¸¿¸úˆ¼Å÷¸ ˆÅ¸¡¸¸Ä¥¸¡¸À Registered Office:

IDBI Bank Limited
‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ¤¸ÿˆÅ ¢¥¸¢Ÿ¸’½”
IDBI Tower, WTC Complex,
‚¸ƒÄ”ú¤¸ú‚¸ƒÄ ’¸Á¨¸£, ”¤¥¡¸»’ú¬¸ú ˆÅ¸ÁŸœ¥¸½Æ¬¸, Cuffe Parade,
ˆÅûÅ œ¸£½”, Mumbai-400 005
Ÿ¸º¿¤¸ƒÄ-400005.
Dated: June 24, 2024
¢™›¸¸¿ˆÅÀ 24 ¸»›¸ 2024

25
 ¬¸»¸›¸¸ ˆÅ¸ ‚›¸º¤¸¿š¸ ANNEXURE to the notice

¬¸½¤¸ú (¬¸»¸ú¤¸Ö÷¸¸ ¤¸¸š¡¸÷¸¸‡¿ ‚¸¾£ œÏˆÅ’úˆÅ£µ¸ ‚œ¸½®¸¸‡¿) ¢¨¸¢›¸¡¸Ÿ¸¸¨¸¥¸ú, 2015 ˆ½Å Details pursuant to Regulation 36(3)(a) of the SEBI (Listing
¢¨¸¢›¸¡¸Ÿ¸ 36(3)(‡) ‚¸¾£ Ÿ¸í¸¬¸ž¸¸ ˆÅú ¤¸¾“ˆÅ¸Ê ˆ½Å ¤¸¸£½ Ÿ¸Ê ¬¸¢¸¨¸ú¡¸ Ÿ¸¸›¸ˆÅ-2 ˆ½Å Obligations and Disclosure Requirements) Regulations, 2015
‚›¸º¬¸¸£ ¢¨¸¨¸£µ¸ and Secretarial Standards-2 on General Meetings

Name of Shri Sumit Phakka Smt. P.V. Bharathi

¢›¸™½©¸ˆÅ ˆÅ¸ ›¸¸Ÿ¸ ªú ¬¸º¢Ÿ¸÷¸ ûÅƈŸ ªúŸ¸÷¸ú œ¸ú. ¨¸ú. ž¸¸£÷¸ú Director

Designation Deputy Managing Independent Director

œ¸™›¸¸Ÿ¸ „œ¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ
Director

¸›Ÿ¸ ÷¸¸£ú‰¸ / ‚¸¡¸º 18.01.1969/ 55 ¨¸«¸Ä 22.03.1960 / 64 ¨¸«¸Ä Date of Birth/ 18.01.1969 / 55 22.03.1960 / 64
Age years years

œÏ˜¸Ÿ¸ ¢›¸¡¸º¢Æ÷¸ ˆÅú ˆÅ¸¡¸Äž¸¸£ ŠÏíµ¸ ˆÅ£›¸½ ˆÅú Date of first From the date of January 14, 2021
14 ¸›¸¨¸£ú 2021 appointment taking charge.
÷¸¸£ú‰¸ ÷¸¸£ú‰¸ ¬¸½
Qualification B.Com, MBA B Sc., MA
¡¸¸½Š¡¸÷¸¸‡¿ ¤¸ú. ˆÅ¸ÁŸ¸, ‡Ÿ¸¤¸ú‡ (¢¨¸î¸) ¤¸ú. ‡¬¸¬¸ú., ‡Ÿ¸.‡. (Finance) and CAIIB (Economics), B.Ed.,
‚¸¾£ ¬¸ú‡‚¸ƒÄ‚¸ƒÄ¤¸ú (‚˜¸Ä©¸¸¬°¸), ¤¸ú.‡”., CAIIB , Integrated
¬¸ú‡‚¸ƒÄ‚¸ƒÄ¤¸ú, ¤¸ÿ¢ˆ¿ÅŠ¸ ‚¸¾£ course in banking and
¢¨¸î¸ Ÿ¸Ê ‡ˆÅúˆ¼Å÷¸ œ¸¸“á¸ÇÅŸ¸ finance (NIBM)
(‡›¸‚¸ƒÄ¤¸ú‡Ÿ¸) Expertise A c c o u n t a n c y, Agriculture & Rural
Agriculture & Rural Economy, Banking,
¢¨¸©¸½«¸±¸÷¸¸ ¥¸½‰¸¸©¸¸¬°¸, ˆ¼Å¢«¸ ‡¨¸¿ ˆ¼Å¢«¸ ‡¨¸¿ ŠÏ¸Ÿ¸úµ¸ Economy, Banking, Small Scale Industry,
ŠÏ¸Ÿ¸úµ¸ ‚˜¸Ä¨¡¸¨¸¬˜¸¸, ‚˜¸Ä¨¡¸¨¸¬˜¸¸, ¤¸ÿ¢ˆ¿ÅŠ¸, ¥¸‹¸º Finance, Small Scale Risk, Economics,
¤¸ÿ¢ˆ¿ÅŠ¸, ¢¨¸÷¸, ¥¸‹¸º „Ô¸¸½Š¸, „Ô¸¸½Š¸, ¸¸½¢‰¸Ÿ¸, ‚˜¸Ä©¸¸¬°¸, Industry, Business Administration
ˆÅ¸£¸½¤¸¸£ œÏ¤¸¿š¸›¸, œÏ©¸¸¬¸›¸ œÏ©¸¸¬¸›¸ ‚¸¾£ ˆ¿Åœ¸›¸ú Management, and Corporate
‡¨¸¿ ˆÅ¸Á£œ¸¸½£½’ ‚¢ž¸©¸¸¬¸›¸. ‚¢ž¸©¸¸¬¸›¸ Administration Governance
and Corporate
Governance
1. ‚¸ƒÄ”ú‡ûŬ¸ú ûŬ’Ä
ž¸¸£÷¸ ¢¥¸¢Ÿ¸’½”; 1. IDFC FIRST
Bharat Ltd.;
2. œ¸ú’ú¬¸ú ƒ¿¢”¡¸¸ 2. PTC India
ûŸƒ›¸Ê¢©¸¡¸¥¸ ¬¸¢¨¸Ä¬¸½¸ Financial Services
¢¥¸¢Ÿ¸’½”; Ltd.;
3. N A B K I S A N
3. ›¸¤¸¢ˆÅ¬¸¸›¸ ûŸƒ›¸Ê¬¸ Finance Ltd.;
¢¥¸¢Ÿ¸’½”; 4. Expert Committee
set up at IBA level
‚›¡¸ ¬¸¿¬˜¸¸‚¸Ê Ÿ¸Ê 4.Ÿ¸¿¸»£ú œ¸ä¸¸÷¸ †µ¸ to validate the
ˆÅ¸½ƒÄ ›¸íú¿ œ¸º›¸¬¸Ä£¸›¸¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅú Directorship in process of Loan
¢›¸™½©¸ˆÅ œ¸™ NIL
œÏ¢ÇÅ¡¸¸ ˆÅ¸½ ¨¸¾š¸ ˆÅ£›¸½ ˆ½Å other entities Restructuring
¢¥¸‡ ‚¸ƒÄ¤¸ú‡ ¬÷¸£ œ¸£ cases post
Š¸¢“÷¸ ¢¨¸©¸½«¸±¸ ¬¸¢Ÿ¸¢÷¸; sanction;
5. SBI’s Screening
5.¬¸Ÿ¸¸¸¾÷¸¸ œÏ¬÷¸¸¨¸, Committee for
‡‚¸£¬¸ú/¤¸ÿˆÅ/‡ûÅ‚¸ƒÄ/ scrutiny and
‡›¸¤¸ú‡ûŬ¸ú ˆÅ¸½ ¢¤¸ÇÅú ˆ½Å recommendation
¢¥¸‡ ¸¸¿¸ ‚¸¾£ ‚›¸º©¸¿¬¸¸ of Compromise
ˆ½Å ¢¥¸‡ ‡¬¸¤¸ú‚¸ƒÄ ˆÅú Proposal, Sale to
ARC/Bank / FI /
¬ÇÅú¢›¸¿Š¸ ¬¸¢Ÿ¸¢÷¸
NBFC

26
¬¸»¸ú¤¸Ö ¬¸¿¬˜¸¸‚¸Ê Names of NIL NIL
ˆ½Å ›¸¸Ÿ¸ ¢¸›¸¬¸½ listed Entities
¢›¸™½©¸ˆÅ¸Ê ›¸½ ¢œ¸Ž¥¸½ from which the
ˆÅ¸½ƒÄ ›¸íú¿ ©¸»›¡¸ Directors has
3 ¨¸«¸¸½ô Ÿ¸Ê ƒ¬÷¸úûŸ
resigned in last
¢™¡¸¸ í¾, ¡¸¢™ ˆÅ¸½ƒÄ
3 years, if any
í¸½

‚›¡¸ ¬¸¿¬˜¸¸‚¸Ê ˆÅ¸½ƒÄ ›¸íú¿ ¥¸½‰¸¸œ¸£ú®¸¸ ¬¸¢Ÿ¸¢÷¸ ˆÅú Membership / NIL Member of Audit
¬¸™¬¡¸À Chairmanship in Committee in:
ˆÅú ¬¸¢Ÿ¸¢÷¸¡¸¸Ê Ÿ¸Ê
Committees of
¬¸™¬¡¸÷¸¸/ ‚š¡¸®¸÷¸¸ i. ‚¸ƒÄ”ú‡ûŬ¸ú ûŬ’Ä ž¸¸£÷¸ i. IDFC First Bharat
other entities
¢¥¸.; Ltd.;
ii. œ¸ú’ú¬¸ú ƒ¿¢”¡¸¸ ii. PTC India
ûŸƒ›¸Ê¢©¸¡¸¥¸ ¬¸¢¨¸Ä¬¸½¸ Financial Services
¢¥¸. Ltd.

Shareholding of NIL NIL

¢›¸™½©¸ˆÅ ˆÅú
©¸»›¡¸ ©¸»›¡¸ Director
©¸½¡¸£š¸¸¢£÷¸¸
Relationship NIL NIL
between
¢›¸™½©¸ˆÅ¸Ê ˆ½Å ¤¸ú¸
ˆÅ¸½ƒÄ ›¸íú¿ ˆÅ¸½ƒÄ ›¸íú¿ directors inter-
œ¸£¬œ¸£ ¬¸¿¤¸¿š¸ se
Terms and Terms and conditions Terms and conditions
¢›¸¡¸º¢Æ÷¸/ ”¤¥¡¸»’ú”ú ˆÅú ¢›¸¡¸º¢Æ÷¸ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ ˆÅú
Conditions of for Appointment of for re-appointment
œ¸º›¸¢›¸Ä¡¸º¢Æ÷¸ ˆ½Å ˆ½Å ¢¥¸‡ ¢›¸¤¸¿š¸›¸ ‡¨¸¿ œ¸º›¸¢›¸Ä¡¸º¢Æ÷¸ ˆ½Å ¢¥¸‡ ¢›¸¤¸¿š¸›¸ Appointment/ WTD are as provided of Independent
¢›¸¤¸¿š¸›¸ ‚¸¾£ ©¸÷¸½ô ©¸÷¸½ô ¤¸ÿˆÅˆÅ¸£ú ¢¨¸¢›¸¡¸Ÿ¸›¸ ‡¨¸¿ ©¸÷¸½ô, ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, Re-appointment in Section 35B of Directors are as
‚¢š¸¢›¸¡¸Ÿ¸,1949 ˆÅú š¸¸£¸ 2013 ˆÅú ‚›¸º¬¸»¸ú IV, Banking Regulation provided in Schedule
35¤¸ú, ˆ¿Åœ¸›¸ú ‚¢š¸¢›¸¡¸Ÿ¸, ¬¸½¤¸ú ¬¸»¸ú¤¸Ö÷¸¸ ¢¨¸¢›¸¡¸Ÿ¸¸Ê ˆ½Å Act, 1949, Sections IV of the Companies
196, 197, 203 and Act, 2013, provisions
2013 ˆÅú š¸¸£¸ 196, œÏ¸¨¸š¸¸›¸¸Ê ‚¸¾£ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å
Schedule V of the of SEBI Listing
197, 203 ‚¸¾£ ‚›¸º¬¸»¸ú ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ íÿ. Companies Act, Regulations and RBI
V š¸¸£¸‚¸Ê ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê Ÿ¸Ê 2013. Guidelines.
œÏ™¸›¸ ˆÅú Š¸ƒÄ íÿ. As per the Articles
¤¸ÿˆÅ ˆ½Å ¬¸¿¬˜¸¸ ‚¿÷¸¢›¸Ä¡¸Ÿ¸¸½¿ of Association
ˆ½Å ‚›¸º¬¸¸£, ”ú‡Ÿ¸”ú ‡½¬¸ú of the Bank, the
DMDs shall exercise
©¸¢Æ÷¸¡¸¸Ê ‚¸¾£ œÏ¸¢š¸ˆÅ£µ¸¸Ê
such powers and
ˆÅ¸ œÏ¡¸¸½Š¸ ˆÅ£ÊŠ¸½ ÷¸˜¸¸ ¤¸¸½”Ä authorities and
¡¸¸ ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ ׸£¸ discharge such
„›í½¿ œÏ÷¡¸¸¡¸¸½¢¸÷¸ ‡½¬¸½ functions as may be
ˆÅ¸¡¸¸½ô ˆÅ¸ ¢›¸¨¸Ä훸 ˆÅ£ÊŠ¸½ delegated to them
by the Board or the
¸¸½ ¤¸ÿˆÅ ˆ½Å ‡Ÿ¸”ú ‡¨¸¿ MD & CEO, subject
¬¸úƒÄ‚¸½ ˆ½Å œ¸¡¸Ä¨¸½®¸µ¸, ¢›¸™½Ä©¸ to the supervision,
‚¸¾£ ¢›¸¡¸¿°¸µ¸ ˆ½Å ‚š¸ú›¸ direction and control
í¸ÊŠ¸½. of the MD & CEO of
the Bank.
œ¸¸¢£ª¢Ÿ¸ˆÅ ”ú‡Ÿ¸”ú ˆÅ¸½ ™½¡¸ œ¸¢£ª¢Ÿ¸ˆÅ ¤¸¸½”Ä/¬¸¢Ÿ¸¢÷¸ ˆÅú ¤¸¾“ˆÅ¸Ê Ÿ¸Ê Remuneration Remuneration Entitled to the
¢£{¸¨¸Ä ¤¸ÿˆÅ ׸£¸ ¨¸¸¢«¸ÄˆÅ ž¸¸Š¸ ¥¸½›¸½ ˆ½Å ¢¥¸‡ ¤¸¾“ˆÅ payable to DMD payment of sitting
³Åœ¸ ¬¸½ ‚›¸ºŸ¸¸½¢™÷¸ í¸½Š¸¸. ©¸º¥ˆÅ ˆ½Å ž¸ºŠ¸÷¸¸›¸ ˆ½Å ¬¸¸˜¸- would be as fees for attending
¬¸¸˜¸ ¤¸¾“ˆÅ¸Ê Ÿ¸Ê ž¸¸Š¸ ¥¸½›¸½ approved annually Board / Committee
by the RBI. Meetings as well as
ˆ½Å ¢¥¸‡ œ¸¢£¨¸í›¸, ¡¸¸°¸¸
reimbursement of
‚¸¾£ £í›¸½ ˆÅú ¨¡¸¨¸¬˜¸¸ ˆÅú transport, travel and
œÏ¢÷¸œ¸»¢÷¸Ä ˆÅú íˆÅ™¸£ íÿ. stay arrangements for
attending meetings.

27
¢›¸¡¸º¢Æ÷¸/ œ¸º›¸¢›¸Ä¡¸º¢Æ÷¸ Justification for Not Applicable Based on the
¤¸ÿˆÅ ˆ½Å ¤¸¸½”Ä Ÿ¸Ê ¥¸Š¸ž¸Š¸
Appointment/ continuous past
ˆ½Å ¢¥¸‡ ‚¸¾¢¸÷¡¸ ‚¸¾£ 4 ¨¸«¸¸½ô ˆ½Å ¢›¸£¿÷¸£ ¢œ¸Ž¥¸½ Reappointment Performance of
ƒ¬¸ ž¸»¢Ÿ¸ˆÅ¸ ˆ½Å ¢¥¸‡ ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ˆ½Å ‚¸š¸¸£ œ¸£ and skills & around 4 years on
‚œ¸½¢®¸÷¸ ˆÅ¸¾©¸¥¸ ‡¨¸¿ ‚¸¾£ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2023-24 capabilities the Bank’s Board
®¸Ÿ¸÷¸¸‡¿ ÷¸˜¸¸ ‡½¬¸ú ˆ½Å ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ˆ½Å Ÿ¸»¥¡¸¸¿ˆÅ›¸ required for the and based on
¥¸¸Š¸» ›¸íú¿
‚œ¸½®¸¸‚¸Ê ˆÅ¸½ œ¸»£¸ ˆ½Å ‚¸š¸¸£ œ¸£ ªúŸ¸÷¸ú œ¸ú.¨¸ú. role and the the performance
ˆÅ£›¸½ ˆÅú œ¸Ö¢÷¸ ž¸¸£÷¸ú ˆÅ¸½ ¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ manner in which evaluation for FY
¢¸›íÊ œÏ¬÷¸¸¢¨¸÷¸ ¬¨¸÷¸¿°¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ™»¬¸£½ ˆÅ¸¡¸ÄˆÅ¸¥¸ ˆ½Å the proposed 2023-24, Smt. P.V.
¢›¸™½©¸ˆÅ œ¸»£¸ ˆÅ£÷¸½ ¢¥¸‡ ¢ûÅ£ ¬¸½ ¢›¸¡¸ºÆ÷¸ ˆÅ£›¸½ ˆÅ¸ Independent Bharathi is proposed
œÏ¬÷¸¸¨¸ í¾. Directors to be re-appointed
íÿ.
meets such for second term
ƒ¬¸ ‚¨¸¢š¸ Ÿ¸Ê ¤¸¸½”Ä requirements. as Independent
Director.
¤¸¾“ˆÅ¸Ê Ÿ¸Ê ž¸¸Š¸ ¥¸½›¸½
ˆÅú ¬¸¿‰¡¸¸ ¥¸¸Š¸» ›¸íú¿ 13/12 Number of Not Applicable 13/12
(‚¸¡¸¸½¢¸÷¸/ ¢¸›¸Ÿ¸Ê Board meetings
attended during
¬¸íž¸¸¢Š¸÷¸¸ ˆÅú Š¸ƒÄ)
their tenure
(Held/Attended)

28