Financial Disclosures
Complete transparency in our financial operations, regulatory compliance, and risk management practices for the benefit of our members.
Financial Highlights 2023-24
Key performance indicators demonstrating our financial strength
Total Deposits
₹512.5 Crores
Total Advances
₹387.2 Crores
Net Worth
₹45.8 Crores
CRAR
14.2%
Net NPA
2.1%
ROA
1.8%
Regulatory Compliance Status
Our adherence to regulatory requirements and prudential norms
| Regulatory Requirement | Status | Current Value |
|---|---|---|
| Capital Adequacy Ratio | Compliant | 14.2% (Min: 9%) |
| Statutory Liquidity Ratio | Compliant | 25.5% (Min: 25%) |
| Cash Reserve Ratio | Compliant | 4.5% (Min: 4%) |
| Priority Sector Lending | Compliant | 42% (Min: 40%) |
| Exposure Norms | Compliant | Within limits |
| Provisioning Coverage | Compliant | 78.5% (Min: 70%) |
Risk Management Framework
Comprehensive approach to identifying and mitigating risks
Credit Risk
Risk of default by borrowers
Mitigation Strategy:
Robust credit appraisal process, collateral security, and regular monitoring
Liquidity Risk
Risk of inability to meet payment obligations
Mitigation Strategy:
Maintaining adequate cash reserves and diversified funding sources
Operational Risk
Risk from internal processes and systems
Mitigation Strategy:
Strong internal controls, regular audits, and staff training programs
Interest Rate Risk
Risk from changes in interest rate environment
Mitigation Strategy:
Asset-liability management and interest rate hedging strategies
Download Center
Access all important documents and reports
Financial Statements
Annual Financial Report 2023-24
March 31, 2024 • 2.5 MB
Quarterly Results Q3 2024-25
December 31, 2024 • 1.2 MB
Auditor's Report 2023-24
March 31, 2024 • 850 KB
Regulatory Filings
RBI Return Submissions
Quarterly • 1.8 MB
NABARD Compliance Report
Annual • 1.5 MB
Registrar Filing Status
Updated Monthly • 650 KB
Governance Documents
Board Meeting Minutes
Monthly • 1.1 MB
AGM Proceedings 2024
March 15, 2024 • 2.2 MB
Policy Documents
Updated 2024 • 3.1 MB
Important Notices
Latest updates and announcements for our members
Interest Rate Revision
January 15, 2025Revised interest rates on deposits and loans effective from February 1, 2025. Please check the updated rate charts.
Annual General Meeting Notice
January 10, 2025The 30th Annual General Meeting will be held on March 15, 2025, at 10:00 AM at the Society Head Office.
New Branch Opening
December 20, 2024We are pleased to announce the opening of our new branch in Pune. Services will commence from January 1, 2025.
System Maintenance Notice
December 15, 2024Online banking services will be temporarily unavailable on December 25, 2024, from 11 PM to 6 AM for system upgrades.
Important Disclaimers
Deposit Insurance: Deposits with Aditya Anagha Credit Cooperative Society are not covered under the Deposit Insurance and Credit Guarantee Corporation (DICGC) scheme.
Investment Risk: All investments in cooperative societies carry inherent risks. Past performance does not guarantee future returns.
Regulatory Status: We are registered under the Maharashtra Cooperative Societies Act and regulated by the Registrar of Cooperative Societies, Maharashtra.
Member Liability: Member liability is limited to the extent of share capital contributed to the society.
For detailed terms and conditions, please refer to our bylaws and membership agreement. This website is for informational purposes only and does not constitute financial advice.