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The determination of establishing the Financial independence has led to the foundation and framework of Nagrik Sahakari Bank.
Bank progress at a glance

Nagarik Sahakari Bank limited Gwalior

Head office- 73, Govindpuri, University road, Gwalior

Comparative economic position (amount in lakh Rs.)

S. No.

Description

Position as on

31.03.2014

Position as on 31-03-2015

Position as on 31-03-2016

Position as on 31-03-2017

Position as on 31-03-2018

Amount

Growth rate

Amount

Growth rate

Amount

Growth rate

Amount

Growth rate

Amount

Growth rate

1

Shares

511.02

8.02%

542.39

6.14%

580.68

7.06%

613.98

5.73%

664.07

8.16%

2

Reserved fund

441.15

13.03%

500.00

13.34%

570.02

14.00%

620.67

8.89%

676.53

8.99%

3

Other reserved funds

1421.89

8.20%

1454.84

2.32%

1572.94

8.12%

1652.57

5.06%

1613.20

- 2.38%

4

Net worth

1634.92

11.98%

1788.79

9.41%

1944.17

8.69%

2046.05

6.24%

2209.51

7.99%

5

Total deposits

1. Current + savings deposits

2. Fixed deposits

Total

6705.43

11110.60

 

6713.28

12344.64

 

7328.15

13741.95

 

9361.28

15321.65

 

8749.68

16542.52

 

17816.03

7.12%

19057.92

6.97%

21070.10

10.56%

24682.93

17.15%

25292.20

2.47%

6

Loans and advances

7515.57

6.95%

7911.11

5.26%

8930.05

12.88%

9507.08

6.46%

10923.87

14.90%

7

Proportion of deposits and loans

100:42.19

100:41.51

100:42.38

100:38.52

100:43.19

8

Total transactions

25331.60

7.07%

26969.03

6.46%

30000.15

11.24%

34190.01

13.97%

36216.07

5.93%

9

Total working capital

21075.78

7.93%

22447.98

6.51%

24683.33

9.96%

28199.42

14.24%

29078.68

3.12%

10

Total investment

12304.57

9.61%

12926.71

5.06%

14003.71

8.33%

16854.51

20.36%

16189.63

- 3.94%

11

CRR

15.64%

16.48%

15.47%

16.52%

16.46%

12

Profit before tax

334.60

2.52%

396.67

18.55%

296.18

-25.33%

325.56

9.92%

394.82

21.27%

13

Net profit

234.10

15.87%

278.67

19.04%

201.40

-27.73%

221.83

10.14%

304.82

37.41%

14

Percentage of net profit in total working capital

1.11%

1.24%

0.82%

0.79%

1.05%

15

Gross NPA

271.24

-9.08%

236.24

-12.90%

261.43

10.66%

301.34

15.26%

339.34

12.61%

16

Percentage of Total Loan in Gross NPA

3.61%

2.99%

2.93%

3.17%

3.11%

17

Net NPA

0%

0%

0%

0%

0%

18

membership

8515

2.89%

8703

2.21%

8890

2.15%

9082

2.16%

9343

5.14%

19

Number of deposit accounts

53697

-2.17%

58640

9.21%

48335

-17.57%

47562

-1.60%

46265

-2.73%

20

Number of Loans and advances accounts

3158

-1.03%

2988

- 5.38%

2862

-4.22%

2660

-7.06%

2784

4.66%

21

Number of bank employees

74

73

71

71

68

22

Business per employee

342.32

11.41%

369.44

7.92%

422.54

14.37%

481.55

13.97%

532.59

10.60%

23

Management expenses

409.14

5.36%

457.22

11.75%

479.43

4.86%

561.00

17.01%

592.03

5.53%

24

Percentage of Management expenses to total working capital

1.94%

2.04%

1.94%

1.99%

2.04%

S. No.

Description

Position as on

31.03.2014

Position as on

31.03.2015

Position as on

31.03.2016

Position as on

31.03.2017

Position as on

31.03.2018

Amount

Percent of total income

Amount

Percent of total income

Amount

Percent of total income

Amount

Percent of total income

Amount

Percent of total income

27

1. Interest received on loans

2. Interest received on investment

3. Other income

Total income

898.70

969.82

27.12

47.41%

51.16%

1.43%

1012.16

1026.12

35.51

48.81%

49.48%

1.71%

956.41

1051.39

63.74

46.17%

50.75%

3.08%

1034.77

1290.88

61.76

43.34%

54.07%

2.59%

1168.97

1192.09

172.12

46.15%

47.06%

6.79%

1895.64

 

2073.79

 

2071.54

 

2387.41

 

2533.18

 

28

1. Interest payable on saving accounts

2. Interest payable on fixed deposits

Total payable interest

233.69

875.35

21.07%

78.93%

248.24

919.62

21.26%

78.74%

258.76

1031.16

20.06%

79.94%

310.45

1178.08

20.86%

79.14%

336.22

1166.86

22.37%

77.63%

1109.04

 

1167.86

 

1289.92

 

1488.53

 

1503.08

 

  • The head office of Bank is situated in its own building. It is fully equipped with modern facilities and up-to-date technology considering the requirements of current times.    
  • Since last 4 years Bank is working on C.B.S. to provide the facilities of S.M.S. Alert, N.E.F.T./R.T.G.S to the members and customers. The City Centre branch located at Head office provides the facility of A.T.M. एवं E-Lobby. E-Lobby includes Cheque Deposit Machine, Cash Deposit Machine and Passbook Printing Machine. The Mal road Murar branch provides the facility of A.T.M., while Naya Bazar branch is equipped with Cash Deposit Machine.
  • Currently the Bank is issuing personalised cheque books to all account holders.
  • The bank has launched its own website www.nsbgwalior.com which is up-to-date with all useful information. In near future, online account viewing facility will be provided to all account holders.
  •  Currently there are six branches of the bank. It is a matter of pride to all of us that on the basis of number of branches, the bank is at top in Madhya Pradesh, while on the basis of total business it is on number two position in the state.

 
 
 
 
 

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