Financial Highlights
Strong performance and sustainable growth
₹850.50Cr
Total Deposits
↑ 12.50% YoY₹650.25Cr
Total Advances
↑ 15.75% YoY₹1,200.75Cr
Total Assets
↑ 10.25% YoY₹45.30Cr
Net Profit
↑ 18.50% YoYKey Financial Ratios
Capital Adequacy Ratio
18.50%
Well above RBI requirement of 9%
NPA Percentage
0.00%
Zero NPA maintained since 2003
Excellent Asset QualityReturn on Assets
3.75%
Efficient asset utilization
Return on Equity
14.25%
Strong returns for members
Credit-Deposit Ratio
76.50%
Balanced lending approach
Cost to Income Ratio
55.25%
Efficient operations
5-Year Performance Comparison
| Particulars (₹ in Crores) | 2020-21 | 2021-22 | 2022-23 | 2023-24 | 2024-25 |
|---|---|---|---|---|---|
| Total Deposits | 548.90 | 612.60 | 678.40 | 756.25 | 850.50 |
| Total Advances | 398.40 | 445.30 | 498.75 | 562.50 | 650.25 |
| Total Assets | 795.25 | 885.70 | 982.30 | 1,089.50 | 1,200.75 |
| Total Income | 61.25 | 68.75 | 76.50 | 85.30 | 95.40 |
| Net Profit | 24.50 | 28.60 | 32.40 | 38.25 | 45.30 |
| Owned Funds | 118.30 | 132.80 | 148.20 | 165.40 | 180.60 |
| NPA (%) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Capital Adequacy (%) | 15.80 | 16.50 | 17.20 | 17.80 | 18.50 |
Balance Sheet Summary
Assets (₹ in Crores)
| Cash & Bank Balance | 125.40 |
| Investments | 285.60 |
| Loans & Advances | 650.25 |
| Fixed Assets | 98.50 |
| Other Assets | 41.00 |
| Total Assets | 1,200.75 |
Liabilities (₹ in Crores)
| Share Capital | 55.20 |
| Reserves & Surplus | 125.40 |
| Deposits | 850.50 |
| Borrowings | 95.30 |
| Other Liabilities | 74.35 |
| Total Liabilities | 1,200.75 |
Profit & Loss Summary
Income (₹ in Crores)
| Interest Income | 82.50 |
| Other Income | 12.90 |
| Total Income | 95.40 |
Expenditure (₹ in Crores)
| Interest Expenditure | 35.20 |
| Operating Expenses | 8.60 |
| Employee Costs | 14.50 |
| Other Expenses | 4.80 |
| Total Expenditure | 63.10 |
Net Profit for the Year
₹ 32.30 Crores
Growth Indicators
Deposit Growth
11.50% CAGR
5-year compound annual growth rate
Advance Growth
13.75% CAGR
5-year compound annual growth rate
Profit Growth
16.25% CAGR
5-year compound annual growth rate
Deposit Composition
Savings Deposits
40.00%
Fixed Deposits
45.00%
Current Deposits
10.00%
Recurring Deposits
5.00%
Loan Portfolio Mix
Home Loans
35.00%
Mortgage Loans
30.00%
Vehicle Loans
20.00%
Commercial Loans
15.00%
Our Financial Strength
0.00%
NPA Since 2003
18.50%
Capital Adequacy
65+
Years of Trust
27
CBS Branches
Financial Reports & Downloads
Note: Financial figures are based on audited financial statements. For detailed information, please refer to our annual reports or contact us.