Lok Sabha Question No. 5012 (UNSTARRED), answered on 2017-03-31
Subject: Losses to Banks
Ministry: FINANCE
Asked by: BHAVANA GAWALI (PATIL), S.P. MUDDAHANUMEGOWDA, REKHA ARUN VERMA, KRUPAL BALAJI TUMANE, ARVIND GANPAT SAWANT

## Government of India Ministry of Finance Department of Financial Services

## LOK SABHA

## Unstarred Question No. †5012 To be answered on Friday, March 31, 2017/Chaitra 10, 1939 (Saka) Losses to Banks

## †5012. SHRIMATI BHAVANA PUNDALIKRAO GAWALI PATIL:

SHRI S.P. MUDDAHANUME GOWDA:

SHRIMATI REKHA VERMA:

SHRI KRUPAL BALAJI TUMANE:

SHRI ARVIND SAWANT:

Will the Minister of FINANCE be pleased to state:

- (a)  whether  the  losses  of  cooperative,  public  sector  and  private  banks  have  risen during the last three years and the current year;
- (b) if so, the details thereof, bank, State/ UT-wise during the last three years;
- (c) whether certain banks have failed to return investor funds during the said period;
- (d) if so, the details thereof bank and State/UT-wise; and
- (e) the remedial measures taken/being taken by the Government for the protection of consumer interests?

## Answer

The Minister of State in the Ministry of Finance (Shri  Santosh Kumar Gangwar)

- (a)  to  (d):  Reserve  Bank  of  India  (RBI)  has  reported  that  the  Net  Profit/Loss  Profit After Tax (PAT) of Public Sector Banks (PSBs) declined to Rs(-)17,993 crore during FY 2015-16 from Rs 37,823 crore in FY 2014-15 and Rs. 37,019 Cr in 2013-14. The Net Profit/Loss (PAT) of Private Banks has increased from Rs 33,661 crore during FY 2013-14 to Rs. 38,735 crore in 2014-15 and further to Rs 41,314 crore during FY 2015-16. The Net Profit/Loss (PAT) of PSBs stood at Rs. (-)1,678 crore for the period April- Dec, 2016 while the Net Profit/Loss (PAT) of Private Banks stood at Rs. 31,262 crore  for  the  same  period.  The  information  on  Net  Profit/Loss  (PAT)  and  Dividend paid by PSBs and Private Banks for the last three years and current year are given in Annexure I.

As  regards  Urban  Cooperative  Banks  (UCBs),  Reserve  Bank  of  India  (RBI)  has reported that 72 UCBs incurred losses as on 31.03.2016, details of which are given in Annexure II. Further, the details of losses in respect of State Cooperative Banks (StCB) and District Central Cooperative Banks (DCCBs) for the year 2014 to 2016 as reported  by  National  Bank  for  Agriculture  and  Rural  Development  (NABARD)  are given in Annexure III to VI.

- (e): The steps taken by the Central Government for revival of rural cooperative banks and improving the functioning of PSBs are as under:

i.  Based  on  the  recommendation  of  Vaidyanathan  Committee  (VC-I),  Government implemented a revival package for Short Term Cooperative Credit Structure (STCCS) encompassing  legal  and  institutional  reforms,  measures  to  improve  the  quality  of management and financial assistance as necessary for their democratic, self-reliant and efficient functioning.  Under the revival package, Government of India released Rs. 9,245 crore. The said package was closed on 30 th  June, 2011.

ii. Recognizing the need to revamp ailing Cooperative Banks so that they are able to cater to the needs of farmers at their doorstep, the Government in 2014 announced implementation of the Scheme for Revival of 23 Unlicensed DCCBs in four States viz. 16 in Uttar Pradesh, 3 in Jammu & Kashmir, 3 in Maharashtra and 1 in West Bengal. The total capital infusion required for revival of these 23 DCCBs was assessed to the tune of Rs. 2375.42 crore, out of which the commitment from Central Government was for Rs. 673.29 crore, for State Governments, Rs.1464.59 crore and for National Bank for Agriculture & Rural Development (NABARD) it was Rs.237.54 crore. The entire  share  of  Central  Government  under  the  Scheme  has  been  released  to NABARD for onward transmission to Cooperative Banks according to the terms and conditions prescribed in the Memorandum of Understanding governing the Scheme.

iii.  In  August  2015,  the  Government  formulated  'Indradhanush  Plan'  under  which measures were introduced to improve operational and capital efficiency of PSBs. Key Performance Indicators (KPIs) were outlined for all PSBs and cash incentives were introduced  for  fulfilment  of  these  KPIs.  These  KPIs  included  measures  such  as efficiency of capital usage, diversification of business processes and  NPA management etc. Further, the government made available funds to the tune of Rs. 70,000 crore for infusion in PSBs till FY 2019 to confirm with capital adequacy norms outlined under Basel III. The Government also allowed PSBs to raise capital through Follow-on  Public  Offer  (FPO)  or  Qualified  Institutional  Placement  (QIP)  by  diluting Government  of  India  holding  upto  52%  in  phased  manner  based  on  their  capital requirement, their stock performance, liquidity, market conditions etc.

## Annexure I to USQ 5012 for 31.03.2017

## Data of Public & Private Banks on Net Profit/Loss (PAT) & Dividend Paid

(Amount in Rupees crore)

|                                  | Net Profit/Loss (PAT) during   | Net Profit/Loss (PAT) during   | Net Profit/Loss (PAT) during   | Net Profit/Loss (PAT) during   | Dividend Paid   | Dividend Paid   | Dividend Paid   | Dividend Paid                  |
|----------------------------------|--------------------------------|--------------------------------|--------------------------------|--------------------------------|-----------------|-----------------|-----------------|--------------------------------|
| Bank/ Bank Group Name            | FY 2013-14                     | FY 2014- 15                    | FY 2015- 16                    | April 01, 2016 to Dec 31, 2016 | FY 2013- 14     | FY 2014-15      | FY 2015- 16     | April 01, 2016 to Dec 31, 2016 |
| ALLAHABAD BANK                   | 1,172                          | 621                            | -743                           | -425                           | 159             | 112             | 0               | 0                              |
| ANDHRA BANK                      | 436                            | 638                            | 540                            | 139                            | 76              | 145             | 41              | 0                              |
| BANK OF BARODA                   | 4,541                          | 3,398                          | -5,396                         | 1,228                          | 1,084           | 852             | 0               | 0                              |
| BANK OF INDIA                    | 2,729                          | 1,709                          | -6,089                         | -513                           | 376             | 400             | 0               | 0                              |
| BANK OF MAHARASHTRA              | 386                            | 451                            | 101                            | -917                           | 160             | 102             | 0               | 0                              |
| BHARATIYA MAHILA BANK LTD.       | 12                             | 20                             | 2                              | 2                              | 0               | 0               | 0               | 0                              |
| CANARA BANK                      | 2,438                          | 2,703                          | -2,813                         | 908                            | 594             | 652             | 0               | 0                              |
| CENTRAL BANK OF INDIA            | -1,263                         | 606                            | -1,418                         | -1,847                         | 0               | 83              | 0               | 0                              |
| CORPORATION BANK                 | 562                            | 584                            | -506                           | 401                            | 132             | 138             | 0               | 0                              |
| DENA BANK                        | 552                            | 265                            | -935                           | -288                           | 130             | 61              | 0               | 0                              |
| IDBI BANK LIMITED                | 1,121                          | 873                            | -3,665                         | -1,958                         | 188             | 146             | 0               | 0                              |
| INDIAN BANK                      | 1,159                          | 1,005                          | 711                            | 1,086                          | 274             | 243             | 87              | 0                              |
| INDIAN OVERSEAS BANK             | 602                            | -454                           | -2,897                         | -2,770                         | 168             | 0               | 0               | 0                              |
| ORIENTAL BANK OF COMMERCE        | 1,139                          | 778                            | 156                            | 124                            | 267             | 119             | 22              | 0                              |
| PUNJAB AND SIND BANK             | 301                            | 121                            | 336                            | 193                            | 117             | 29              | 80              | 0                              |
| PUNJAB NATIONAL BANK             | 3,343                          | 3,062                          | -3,974                         | 1,063                          | 421             | 735             | 0               | 0                              |
| SYNDICATE BANK                   | 1,711                          | 1,523                          | -1,643                         | 255                            | 402             | 375             | 0               | 0                              |
| UCO BANK                         | 1,511                          | 1,138                          | -2,799                         | -1,262                         | 295             | 258             | 0               | 0                              |
| UNION BANK OF INDIA              | 1,696                          | 1,782                          | 1,352                          | 447                            | 307             | 464             | 161             | 0                              |
| UNITED BANK OF INDIA             | -1,213                         | 256                            | -282                           | 146                            | 0               | 0               | 0               | 0                              |
| VIJAYA BANK                      | 416                            | 439                            | 382                            | 546                            | 165             | 155             | 0               | 0                              |
| STATE BANK OF BIKANER AND JAIPUR | 732                            | 777                            | 851                            | -374                           | 117             | 120             | 120             | 0                              |
| STATE BANK OF HYDERABAD          | 1,020                          | 1,317                          | 1,065                          | -1,368                         | 82              | 90              | 0               | 0                              |
| STATE BANK OF INDIA              | 10,891                         | 13,102                         | 9,951                          | 7,669                          | 2,538           | 3,078           | 2,353           | 0                              |
| STATE BANK OF MYSORE             | 274                            | 409                            | 358                            | -676                           | 14              | 35              | 0               | 0                              |
| STATE BANK OF PATIALA            | 448                            | 362                            | -972                           | -2,089                         | 1               | 1               | 0               | 0                              |
| STATE BANK OF TRAVANCORE         | 304                            | 339                            | 338                            | -1,398                         | 13              | 0               | 36              | 0                              |
| Public Sector Banks              | 37,019                         | 37,823                         | -17,993                        | -1,678                         | 8,079           | 8,391           | 2,900           | 0                              |
| AXIS BANK LIMITED                | 6,218                          | 7,358                          | 8,224                          | 2,454                          | 1,101           | 1,309           | 3               | 0                              |
| BANDHAN BANK LIMITED             |                                |                                | 275                            | 790                            |                 |                 | 0               | 0                              |

| DCB BANK LIMITED             | 151    | 191    | 195    | 147    | 0     | 0     | 0     | 0   |
|------------------------------|--------|--------|--------|--------|-------|-------|-------|-----|
| HDFC BANK LTD.               | 8,478  | 10,216 | 12,296 | 10,560 | 1,927 | 2,414 | 2,879 | 0   |
| ICICI BANK LIMITED           | 9,810  | 11,175 | 9,726  | 7,776  | 2,834 | 3,173 | 3,191 | 0   |
| IDFC BANK LIMITED            |        |        | 467    | 844    |       |       | 102   | 0   |
| INDUSIND BANK LTD            | 1,408  | 1,794  | 2,286  | 2,116  | 215   | 255   | 352   | 0   |
| KOTAK MAHINDRA BANK LTD.     | 1,503  | 1,866  | 2,090  | 2,435  | 72    | 96    | 111   | 0   |
| YES BANK LTD.                | 1,618  | 2,005  | 2,539  | 2,417  | 340   | 453   | 506   | 0   |
| CATHOLIC SYRIAN BANK LTD     | 27     | -53    | -150   | 35     | 5     | 0     |       | 0   |
| CITY UNION BANK LIMITED      | 347    | 395    | 445    | 374    | 64    | 79    | 92    | 0   |
| FEDERAL BANK LTD             | 839    | 1,006  | 476    | 574    | 199   | 227   | 145   | 0   |
| ING VYSYA BANK LTD           | 658    | 506    |        |        | 134   | 1     |       |     |
| JAMMU & KASHMIR BANK LTD     | 1,182  | 509    | 416    | -1,078 | 284   | 122   | 102   | 0   |
| KARNATAKA BANK LTD           | 311    | 451    | 415    | 314    | 88    | 114   | 113   | 0   |
| KARUR VYSYA BANK LTD         | 430    | 464    | 568    | 388    | 164   | 191   | 205   | 0   |
| LAKSHMI VILAS BANK LTD       | 60     | 132    | 180    | 204    | 11    | 43    | 65    | 0   |
| NAINITAL BANK LTD            | 65     | 67     | 47     | 40     | 17    | 18    | 16    | 0   |
| RBL BANK LIMITED             | 0      | 207    | 292    | 316    | 0     | 44    | 59    | 0   |
| SOUTH INDIAN BANK LTD        | 507    | 307    | 333    | 317    | 126   | 98    | 81    | 0   |
| TAMILNAD MERCANTILE BANK LTD | 301    | 379    | 402    | 236    | 53    | 55    | 55    | 0   |
| THE DHANALAKSHMI BANK LTD    | -252   | -241   | -209   | 4      | 0     | 0     | 0     | 0   |
| Private Sector Banks         | 33,661 | 38,735 | 41,314 | 31,262 | 7,634 | 8,690 | 8,078 | 0   |

Source: RBI

## Annexure II to USQ 5012 for 31.03.2017

## List of loss making UCB as on March 31, 2016

| Sr. No.   | Bank Name                                                                                                       | Net loss in Rs Crore   |
|-----------|-----------------------------------------------------------------------------------------------------------------|------------------------|
| 1         | Rupee Co-operative Bank Ltd.                                                                                    | -92.9422               |
| 2         | The Kapol Co-operative Bank Ltd., Mumbai                                                                        | -27.5389               |
| 3         | The Navodaya Urban Co-operative Bank Ltd., Nagpur.                                                              | -26.7665               |
| 4         | Sahebrao Deshmukh Co-op. Bank Ltd.                                                                              | -24.2997               |
| 5         | The Akola Urban Co-operative Bank Ltd., Akola.                                                                  | -20.1519               |
| 6         | George Town Co op Bank Limited.                                                                                 | -14.8404               |
| 7         | Maratha Sahakari Bank Ltd., Bombay                                                                              | -10.2081               |
| 8         | Youth Development Coop Bank Ltd., Kolhapur.                                                                     | -6.7586                |
| 9         | Lokseva Sahakari Bank Ltd.,Pune.                                                                                | -5.0226                |
| 10        | Nasik Zilla Girna Sahakari Bank Ltd.,Nasik                                                                      | -4.8926                |
| 11        | Trichur Urban Co-operative Bank Ltd.                                                                            | -4.2711                |
| 12        | Pollachi Coop. Urban Bank Ltd.                                                                                  | -3.8758                |
| 13        | Sri Kalahasti Co-operative Town Bank Ltd.                                                                       | -3.0520                |
| 14        | Hindu Co-operative Bank Ltd., Pathankot                                                                         | -2.8881                |
| 15        | Nedumangad Co-operative Urban Bank Ltd.                                                                         | -2.8524                |
| 16        | HCBL Co-operative Bank Ltd., Lucknow                                                                            | -2.5268                |
| 17        | R.S.Co-operative Bank Ltd., Mumbai                                                                              | -2.4223                |
| 18        | Ajinkyatara Sahakari Bank Ltd., Satara                                                                          | -2.3099                |
| 19        | The Citizens' Co-operative Bank Ltd., Jammu.                                                                    | -1.9549                |
| 20        | Pudukottai Coop.Town Bank Ltd.                                                                                  | -1.7143                |
| 21        | Khardah Co-operative Bank Ltd.                                                                                  | -1.5849                |
| 22        | Urban Co op Bank Limited Cuttack.                                                                               | -1.4862                |
| 23        | Bhilwara Mahila Urban Co-op. Bank Ltd.                                                                          | -1.4476                |
| 24        | Purasawalkam Coop. Bank Ltd.                                                                                    | -1.3564                |
| 25        | Mapusa Urban Co-operative Bank of Goa Ltd., Mapusa                                                              | -1.3526                |
| 26        | Kaduthuruthy Urban Co-operative Bank Ltd.                                                                       | -1.2069                |
| 27        | Pondicherry Coop. Urban Bank Ltd.                                                                               | -0.9693                |
| 28        | Sawantwadi Urban Co-op. Bank Ltd.                                                                               | -0.8872                |
| 29        | The Jalna People's Co-operative Bank Ltd., Jalna.                                                               | -0.8304                |
| 30        | Ponani Co-operative Urban Bank Ltd.                                                                             | -0.5866                |
| 31        | Raj Laxmi Mahila Urban Co-Operative Bank Ltd.                                                                   | -0.5170                |
| 32        | Kerala Mercantile Co-operative Bank Ltd.,Kozhikode                                                              | -0.4984                |
| 33        | Ananthasayanam Co-operative Bank Ltd.                                                                           | -0.4916                |
| 34        | Tellicherry Co-operative Urban Bank Ltd.                                                                        | -0.4612                |
| 35        | Dr. Babasaheb Ambedkar Urban Co-operative Bank Ltd., Nagpur.                                                    | -0.4151                |
| 36        | Shatabdi Mahila Sahakari Bank Ltd., Thane Karamana Co-operative Urban Bank Ltd.                                 | -0.4061                |
| 37        |                                                                                                                 | -0.3865                |
| 38        | Vaniyambadi Town Coop bank Ltd.                                                                                 | -0.3623                |
| 39        | Hiriyur Urban Co-operative Bank Ltd.,                                                                           | -0.3601                |
| 40        | Hiriyur Sikar Urban Co Op Bank Ltd.                                                                             | -0.3541                |
| 41        | Shivneri Sahakari Bank Ltd., Koregaon, Satara                                                                   | -0.3529                |
| 42        | Vellala Coop Bank Ltd.                                                                                          | -0.3469                |
| 43        | Chandgad Urban Coop. Bank Ltd., Chandgad, Kolhapur                                                              | -0.3444                |
| 44 45     | Sri Mallikarjuna Pattana Sahakari Bank Niyamita, Maski The Anjangaon Surji Nagari Sahakari Bank Ltd., Anjangaon | -0.2642 -0.2517        |
| 46        | Daund Urban Co-Operative Bank Ltd., Daund                                                                       | -0.2396                |
| 47        | Brahmawart Commercial Co-operative Bank Ltd. Shreeram Sahakari Bank Ltd., Mumbai                                | -0.2333 -0.2110        |
| 48 49     | Lokapavani Mahila Sahakari Bank Niyamitha, Mandya                                                               | -0.2039                |
| 50        | Madura Sourashtra Co-Op Bank Ltd.                                                                               | -0.2006                |
| 51        | Imperial Urban Co-operative Bank Ltd., Faizabad                                                                 | -0.1816                |
| 52        | Raichur City Urban Co-operative Bank Ltd., Raichur                                                              | -0.1784                |

|   53 | Bhavani Urban Co-operative Bank Ltd., Georai.                          |   -0.1660 |
|------|------------------------------------------------------------------------|-----------|
|   54 | Kamaraj coop Town Bank Ltd. Polur.                                     |   -0.1572 |
|   55 | Navanirman Co-operative Urban Bank Ltd.,                               |   -0.1517 |
|   56 | Tumkur Pattana Sahakara Bank Niyamitha, Tumkur                         |   -0.1196 |
|   57 | Dr. Shivajirao Patil Nilangekar Urban Co-operative Bank Ltd., Nilanga. |   -0.101  |
|   58 | Thiruvaikuntam Co op Urban Bank Ltd.                                   |   -0.0952 |
|   59 | Gokul Co-operative Urban Bank Ltd., Secunderabad                       |   -0.0905 |
|   60 | Jagruti Co-operative Bank Ltd., Belgaum                                |   -0.0886 |
|   61 | Payyanur Co-operative Town Bank Ltd.                                   |   -0.0722 |
|   62 | Big Kancheepuram Co op Town Bank Limited.                              |   -0.0646 |
|   63 | Kallidaikurichi Coop Urban Bank Limited.                               |   -0.0633 |
|   64 | Tanur Co-operative Urban Bank Ltd.                                     |   -0.0596 |
|   65 | Kedarnath Urban Co-operative Bank Ltd., Latur.                         |   -0.0592 |
|   66 | Musiri Urban Co-operative Bank Ltd., Musiri.                           |   -0.0578 |
|   67 | Sri Bharathi Co-operative Urban Bank Ltd., Hyderabad                   |   -0.0354 |
|   68 | Cuddalore & Villipuram DCCB Employees Co-Op.Bank Ltd.                  |   -0.0322 |
|   69 | Rajasthan Urban Co-Operative Bank Ltd., Jaipur                         |   -0.0285 |
|   70 | Imperial Urban cooprative Bank Ltd.Jalandhar                           |   -0.0269 |
|   71 | Ramakrishna Mutually Aided Co-operative Urban Bank Ltd.,Nidadavole     |   -0.0178 |
|   72 | Kolikata Mahila Co-Operative Bank Ltd.,                                |   -0.0093 |

Source: RBI

Annexure III to USQ 5012 for 31.03.2017

| StCBs in loss as on 31.3.2014 (Amt. in Rs. Lakhs)   | StCBs in loss as on 31.3.2014 (Amt. in Rs. Lakhs)   | StCBs in loss as on 31.3.2014 (Amt. in Rs. Lakhs)   |
|-----------------------------------------------------|-----------------------------------------------------|-----------------------------------------------------|
| Sr. No.                                             | Name of the Bank                                    | Profit/ Loss for the Year                           |
| 1                                                   | ARUNACHAL PRADESH                                   | -56.74                                              |
| 2                                                   | GOA                                                 | -1135.75                                            |
| 3                                                   | JHARKHAND                                           | -233.45                                             |
| 4                                                   | KERALA                                              | -6358.40                                            |
| 5                                                   | MANIPUR                                             | -507.14                                             |
| 6                                                   | WEST BENGAL                                         | -1063.67                                            |
| Total Loss                                          | Total Loss                                          | -9355.15                                            |

| StCBs in loss as on 31.3.2015 (Amt. in Rs. Lakhs)   | StCBs in loss as on 31.3.2015 (Amt. in Rs. Lakhs)   | StCBs in loss as on 31.3.2015 (Amt. in Rs. Lakhs)   |
|-----------------------------------------------------|-----------------------------------------------------|-----------------------------------------------------|
| Sr. No.                                             | Name of the State/ UT                               | Profit/ Loss for the Year                           |
| 1                                                   | Jharkhand                                           | -448.65                                             |
| 2                                                   | Manipur                                             | -644.20                                             |
| 3                                                   | Puducherry                                          | -588.73                                             |
| 4                                                   | Goa                                                 | -812.86                                             |
| Total Loss                                          | Total Loss                                          | -2494.44                                            |

| StCBs in loss as on 31.3.2016 (Amt. in Rs. Lakhs)   | StCBs in loss as on 31.3.2016 (Amt. in Rs. Lakhs)   | StCBs in loss as on 31.3.2016 (Amt. in Rs. Lakhs)   |
|-----------------------------------------------------|-----------------------------------------------------|-----------------------------------------------------|
| Sr. No.                                             | Name of the State/ UT                               | Profit/ Loss for the Year                           |
| 1                                                   | Jharkhand                                           | -508.52                                             |
| 2                                                   | Manipur                                             | -7357.43                                            |
| 3                                                   | New Delhi                                           | -1255.51                                            |
| 4                                                   | Puducherry                                          | -1506.11                                            |
| 5                                                   | Goa                                                 | -755.53                                             |
| Total Loss                                          | Total Loss                                          | -11383.10                                           |

Source: NABARD

Annexure IV to USQ 5012 for 31.03.2017 DCCBs in Loss as on 31.3.2014 (Amount in Rs. Lakhs)

| Sr. No.    | Expenditure => Name of the Bank   | State         |   Loss for the Year |
|------------|-----------------------------------|---------------|---------------------|
| 1          | GOPALGANJ                         | BIHAR         |             -258.89 |
| 2          | MAGADH                            | BIHAR         |              -51.69 |
| 3          | MONGHYR-JAMUI                     | BIHAR         |            -2554.62 |
| 4          | MUZAFFARPUR                       | BIHAR         |            -1891.01 |
| 5          | PURNEA                            | BIHAR         |             -443.05 |
| 6          | BHAVNAGAR                         | GUJARAT       |             -689.52 |
| 7          | KACHCHH                           | GUJARAT       |             -208.07 |
| 8          | FATEHABAD                         | HARYANA       |            -1321.75 |
| 9          | JIND                              | HARYANA       |             -234.4  |
| 10         | MEHENDRAGARH                      | HARYANA       |             -109.72 |
| 11         | SIRSA                             | HARYANA       |             -446.6  |
| 12         | ANANTNAG                          | J & K         |             -127.93 |
| 13         | DEOGHAR JAMTARA                   | JHARKHAND     |              -87.88 |
| 14         | GIRIDIH                           | JHARKHAND     |              -77.24 |
| 15         | SHIMOGA                           | KARNATAKA     |            -1897.1  |
| 16         | BULDHANA                          | MAHARASHTRA   |            -1590.18 |
| 17         | NAGPUR                            | MAHARASHTRA   |            -1233.28 |
| 18         | WARDHA                            | MAHARASHTRA   |            -3510.54 |
| 19         | CHURU                             | RAJASTHAN     |             -684.9  |
| 20         | GANGANAGAR                        | RAJASTHAN     |             -321.03 |
| 21         | KOTA                              | RAJASTHAN     |            -1474.09 |
| 22         | SAWAI MADHOPUR                    | RAJASTHAN     |             -309.78 |
| 23         | SIROHI                            | RAJASTHAN     |             -309.12 |
| 24         | TONK                              | RAJASTHAN     |             -821.79 |
| 25         | AGRA                              | UTTAR PRADESH |             -216.52 |
| 26         | ALLAHABAD                         | UTTAR PRADESH |             -867.49 |
| 27         | AZAMGARH                          | UTTAR PRADESH |             -887.7  |
| 28         | BAHRICH                           | UTTAR PRADESH |             -621.62 |
| 29         | BALLIA                            | UTTAR PRADESH |             -853.05 |
| 30         | BASTI                             | UTTAR PRADESH |            -1136.42 |
| 31         | DEORIA KASIA                      | UTTAR PRADESH |            -1760.31 |
| 32         | FATEHPUR                          | UTTAR PRADESH |            -2208.39 |
| 33         | GHAZIPUR                          | UTTAR PRADESH |             -594.74 |
| 34         | GORAKHPUR                         | UTTAR PRADESH |            -1749.19 |
| 35         | HARDOI                            | UTTAR PRADESH |             -736.16 |
| 36         | JAUNPUR                           | UTTAR PRADESH |            -1163.37 |
| 37         | SITAPUR                           | UTTAR PRADESH |            -1342.42 |
| 38         | VARANASI                          | UTTAR PRADESH |             -649.86 |
| Total Loss | Total Loss                        | Total Loss    |           -35441.4  |

Source: NABARD

## Annexure V to USQ 5012 for 31.03.2017

## DCCBs in Loss as on 31.3.2015 (Amount in Rs. Lakhs)

|   Sr. No. | Name of the State/ UT   | Name of the Bank                                   |   Profit/ Loss for the Year |
|-----------|-------------------------|----------------------------------------------------|-----------------------------|
|         1 | Madhya Pradesh          | JILLA SAHAKARI KENDRIYA BANK MARYADIT, BHIND       |                     -488.67 |
|         2 | Madhya Pradesh          | JILLA SAHAKARI KENDRIYA BANK MARYADIT, DATIA       |                     -795.25 |
|         3 | Madhya Pradesh          | JILLA SAHAKARI KENDRIYA BANK MARYADIT, GWALIOR     |                     -732.15 |
|         4 | Madhya Pradesh          | JILLA SAHAKARI KENDRIYA BANK MARYADIT, RAISEN      |                    -1461.47 |
|         5 | Madhya Pradesh          | JILLA SAHAKARI KENDRIYA BANK MARYADIT, REWA        |                     -983.65 |
|         6 | Uttarakhand             | ALMORA ZILLA SAHAKARI BANK LTD.                    |                    -1317.78 |
|         7 | Uttarakhand             | THE UTTARKASHI ZILA SAHKARI BANK LTD., UTTARKASHI  |                    -1663.5  |
|         8 | Uttar Pradesh           | AGRA DISTRICT CENTRAL CO-OPERATIVE BANK LTD.       |                      -93.16 |
|         9 | Uttar Pradesh           | ALLAHABAD DISTRICT CO-OPERATIVE BANK LTD.          |                    -1239.42 |
|        10 | Uttar Pradesh           | BAHRICH DISTRICT CO-OPERATIVE BANK LTD.            |                     -693.77 |
|        11 | Uttar Pradesh           | BUDAUN JILLA SAHKARI BANK LTD.                     |                     -144.29 |
|        12 | Uttar Pradesh           | DEORIA KASIA CO-OPERATIVE BANK LTD.                |                    -2345.2  |
|        13 | Uttar Pradesh           | DISTRICT CO-OPERATIVE BANK LTD., VARANASI          |                    -1144.8  |
|        14 | Uttar Pradesh           | FATEHPUR DISTRICT CO-OPERATIVE BANK LTD.           |                    -2456.47 |
|        15 | Uttar Pradesh           | GORAKHPUR JILLA SAHKARI BANK LTD.                  |                    -1721.41 |
|        16 | Uttar Pradesh           | HARDOI JILLA SAHKARI BANK LTD.                     |                     -707.89 |
|        17 | Uttar Pradesh           | JILLA SAHAKARI BANK LTD., AZAMGARH                 |                    -1061.44 |
|        18 | Uttar Pradesh           | JILLA SAHAKARI BANK LTD., GHAZIPUR                 |                     -765.73 |
|        19 | Uttar Pradesh           | JILLA SAHKARI BANK LTD., BALLIA                    |                     -790.15 |
|        20 | Uttar Pradesh           | JILLA SAHKARI BANK LTD., BASTI                     |                    -1281.66 |
|        21 | Uttar Pradesh           | JILLA SAHKARI BANK LTD., JAUNPUR                   |                    -1342.6  |
|        22 | Uttar Pradesh           | JILLA SAHKARI BANK LTD., LAKHIMPUR-KHIRI           |                    -5142.43 |
|        23 | Uttar Pradesh           | JILLA SAHKARI BANK LTD., SIDHARTHNAGAR             |                    -2893.96 |
|        24 | Uttar Pradesh           | JILLA SAHKARI BANK LTD., SITAPUR                   |                    -1124.03 |
|        25 | Uttar Pradesh           | MATHURA JILLA SAHKARI BANK LTD.                    |                     -172.98 |
|        26 | Uttar Pradesh           | SULTANPUR JILLA SAHKARI BANK LTD.                  |                     -718.3  |
|        27 | Bihar                   | CENTRAL CO-OPERATIVE BANK LTD., ARA                |                     -193.76 |
|        28 | Bihar                   | THE BHAGALPUR CENTRAL CO-OPERATIVE BANK LTD.       |                    -1292.06 |
|        29 | Bihar                   | THE MUZAFFARPUR CENTRAL CO-OPERATIVE BANK LTD.     |                      -66.21 |
|        30 | Bihar                   | THE PURNEA DISTRICT CENTRAL CO-OPERATIVE BANK LTD. |                    -2630.92 |
|        31 | Jharkhand               | THE DEOGHAR JAMTARA CENTRAL CO-OPERATIVE BANK LTD. |                    -1605.55 |
|        32 | Jharkhand               | THE GIRIDIH CENTRAL CO-OPERATIVE BANK LTD.         |                     -362.52 |
|        33 | Jharkhand               | THE HAZARIBAGH CENTRAL CO-OPERATIVE BANK LTD.      |                    -2003.03 |
|        34 | Jharkhand               | THE RANCHI-KHUNTI CENTRAL CO-OPERATIVE BANK LTD.   |                    -2035.84 |
|        35 | Haryana                 | THE AMBALA CENTRAL CO-OPERATIVE BANK LTD.          |                     -253.42 |
|        36 | Haryana                 | THE FARIDABAD CENTRAL CO-OPERATIVE BANK LTD.       |                     -547.1  |
|        37 | Haryana                 | THE FATEHABAD CENTRAL CO-OPERATIVE BANK LTD.       |                    -1158.92 |
|        38 | Haryana                 | THE JIND CENTRAL CO-OPERATIVE BANK LTD.            |                     -361.14 |
|        39 | Haryana                 | THE MEHENDRAGARH CENTRAL CO-OPERATIVE BANK LTD.    |                     -468.17 |
|        40 | Haryana                 | THE SIRSA CENTRAL CO-OPERATIVE BANK LTD.           |                     -169.87 |

| 41         | Jammu and Kashmir   | THE ANANTNAG CENTRAL CO-OPERATIVE BANK LTD.                              |    -535.22 |
|------------|---------------------|--------------------------------------------------------------------------|------------|
| 42         | Punjab              | THE MANSA CENTRAL CO-OPERATIVE BANK LTD., MANSA                          |    -361.8  |
| 43         | Punjab              | THE SANGRUR CENTRAL CO-OPERATIVE BANK LTD., SANGRUR                      |    -653.39 |
| 44         | Rajasthan           | SAWAI MADHOPUR KENDRIYA SAHAKARI BANK LTD.                               |    -318.69 |
| 45         | Rajasthan           | THE CENTRAL CO-OPERATIVE BANK LTD., BIKANER                              |    -433.48 |
| 46         | Rajasthan           | THE CENTRAL CO-OPERATIVE BANK LTD.,TONK                                  |    -916.72 |
| 47         | Rajasthan           | THE PALI DISTRICT CENTRAL CO-OPERATIVE BANK LTD                          |    -393.41 |
| 48         | Andhra Pradesh      | THE DISTRICT COOPERATIVE CENTRAL BANK LTD., KAKINADA                     |  -10358.1  |
| 49         | Andhra Pradesh      | THE DISTRICT CO-OPERATIVE CENTRAL BANK LTD., VIZIANAGARAM                |    -985.46 |
| 50         | Karnataka           | THE BANGLORE, BANGLORE RURAL & RAMANAGRA DISTRICT CO-OPERATIVE BANK LTD. |    -709.62 |
| 51         | Karnataka           | THE SHIMOGA DISTRICT CO-OPERATIVE CENTRAL BANK LTD.                      |   -3950.66 |
| 52         | Tamil Nadu          | THE VELLORE DISTRICT CENTRAL COOPERATIVE BANK LTD.                       |   -6313.19 |
| 53         | Gujarat             | MEHSANA DISTRICT CENTRAL CO-OPERATIVE BANK                               |   -3782.26 |
| 54         | Gujarat             | THE KACHCHH DISTRICT CENTRAL CO-OPERATIVE BANK                           |    -965.88 |
| 55         | Maharashtra         | DHULE & NANDURBAR DISTRICT CENTRAL CO- OPERATIVEBANK LTD.                |   -1620.1  |
| 56         | Maharashtra         | JALNA DISTRICT CENTRAL CO-OPERATIVE BANK LTD.                            |    -390.77 |
| 57         | Maharashtra         | KOLHAPUR DISTRICT CENTRAL CO-OPERATIVE BANK LTD.                         |    -844.66 |
| 58         | Maharashtra         | THE NANDED DISTRICT CENTRAL CO-OPERATIVE BANK LTD.                       |  -24984.3  |
| Total Loss | Total Loss          | Total Loss                                                               | -104948    |

Source: NABARD

## Annexure VI to USQ 5012 for 31.03.2017

| Loss as on 31.3.2016 (Amount in Rs. Lakhs)   | Loss as on 31.3.2016 (Amount in Rs. Lakhs)   | Loss as on 31.3.2016 (Amount in Rs. Lakhs)                | Loss as on 31.3.2016 (Amount in Rs. Lakhs)   |
|----------------------------------------------|----------------------------------------------|-----------------------------------------------------------|----------------------------------------------|
| Sr. No.                                      | Name of the State/ UT                        | Name of the Bank                                          | Profit/ Loss for the Year                    |
| 1                                            | Madhya Pradesh                               | JILLA SAHAKARI KENDRIYA BANK MARYADIT, BHIND              | -273.30                                      |
| 2                                            | Madhya Pradesh                               | JILLA SAHAKARI KENDRIYA BANK MARYADIT, DATIA              | -1699.06                                     |
| 3                                            | Madhya Pradesh                               | JILLA SAHAKARI KENDRIYA BANK MARYADIT, REWA               | -2666.47                                     |
| 4                                            | Madhya Pradesh                               | JILLA SAHAKARI KENDRIYA BANK MARYADIT, SATNA              | -2417.78                                     |
| 5                                            | Uttarakhand                                  | THE UTTARKASHI ZILA SAHKARI BANK LTD., UTTARKASHI         | -1689.78                                     |
| 6                                            | Uttar Pradesh                                | ALLAHABAD DISTRICT CO-OPERATIVE BANK LTD.                 | -781.75                                      |
| 7                                            | Uttar Pradesh                                | BAHRICH DISTRICT CO-OPERATIVE BANK LTD.                   | -268.93                                      |
| 8                                            | Uttar Pradesh                                | BUDAUN JILLA SAHKARI BANK LTD.                            | -269.83                                      |
| 9                                            | Uttar Pradesh                                | DEORIA KASIA CO-OPERATIVE BANK LTD.                       | -333.30                                      |
| 10                                           | Uttar Pradesh                                | DISTRICT CO-OPERATIVE BANK LTD., VARANASI                 | -131.34                                      |
| 11                                           | Uttar Pradesh                                | FATEHPUR DISTRICT CO-OPERATIVE BANK LTD.                  | -1632.26                                     |
| 12                                           | Uttar Pradesh                                | GORAKHPUR JILLA SAHKARI BANK LTD.                         | -1221.82                                     |
| 13                                           | Uttar Pradesh                                | JILLA SAHAKARI BANK LTD., AZAMGARH                        | -347.20                                      |
| 14                                           | Uttar Pradesh                                | JILLA SAHAKARI BANK LTD., GHAZIPUR                        | -300.98                                      |
| 15                                           | Uttar Pradesh                                | JILLA SAHKARI BANK LTD., BALLIA                           | -83.42                                       |
| 16                                           | Uttar Pradesh                                | JILLA SAHKARI BANK LTD., BASTI                            | -347.73                                      |
| 17                                           | Uttar Pradesh                                | JILLA SAHKARI BANK LTD., JAUNPUR                          | -652.01                                      |
| 18                                           | Uttar Pradesh                                | JILLA SAHKARI BANK LTD., LAKHIMPUR-KHIRI                  | -4348.98                                     |
| 19                                           | Uttar Pradesh                                | SULTANPUR JILLA SAHKARI BANK LTD.                         | -37.84                                       |
| 20                                           | Bihar                                        | THE AURANGABAD DISTRICT CENTRAL CO-OPERATIVE BANK LTD.    | -524.09                                      |
| 21                                           | Bihar                                        | THE KATIHAR DISTRICT CENTRAL CO-OPERATIVE BANK LTD.       | -464.53                                      |
| 22                                           | Bihar                                        | THE NAWADAH CENTRAL CO-OPERATIVE BANK LTD.                | -182.02                                      |
| 23                                           | Bihar                                        | THE ROHIKA CENTRAL CO-OPERATIVE BANK LTD., MADHUBANI      | -109.87                                      |
| 24                                           | Jharkhand                                    | THE GIRIDIH CENTRAL CO-OPERATIVE BANK LTD.                | -114.24                                      |
| 25                                           | West Bengal                                  | BALAGERIA CENTRAL CO-OPERATIVE BANK LTD.                  | -501.31                                      |
| 26                                           | West Bengal                                  | BANKURA DIST CENTRAL CO-OPERATIVE BANK LTD.               | -727.00                                      |
| 27                                           | West Bengal                                  | BIRBHUM DISTRICT CENTRAL CO-OPERATIVE BANK LTD.           | -2722.67                                     |
| 28                                           | West Bengal                                  | DARJEELING DISTRICT CENTRAL CO-OPERATIVE BANK LTD.        | -60.26                                       |
| 29                                           | Haryana                                      | THE AMBALA CENTRAL CO-OPERATIVE BANK LTD.                 | -323.67                                      |
| 30                                           | Haryana                                      | THE FATEHABAD CENTRAL CO-OPERATIVE BANK LTD.              | -288.95                                      |
| 31                                           | Haryana                                      | THE MEHENDRAGARH CENTRAL CO-OPERATIVE BANK LTD.           | -131.22                                      |
| 32                                           | Haryana                                      | THE SIRSA CENTRAL CO-OPERATIVE BANK LTD.                  | -800.83                                      |
| 33                                           | Haryana                                      | THE YAMUNANAGAR CENTRAL CO-OPERATIVE BANK LTD.            | -33.85                                       |
| 34                                           | Jammu and Kashmir                            | BARAMULLA CENTRAL CO-OPERATIVE BANK LTD.                  | -1126.28                                     |
| 35                                           | Jammu and Kashmir                            | THE ANANTNAG CENTRAL CO-OPERATIVE BANK LTD.               | -1304.75                                     |
| 36                                           | Punjab                                       | THE MANSA CENTRAL CO-OPERATIVE BANK LTD., MANSA           | -267.06                                      |
| 37                                           | Punjab                                       | THE SANGRUR CENTRAL CO-OPERATIVE BANK LTD., SANGRUR       | -465.56                                      |
| 38                                           | Rajasthan                                    | BARAN KENDRIYA SAHAKARI BANK LTD.                         | -274.36                                      |
| 39                                           | Rajasthan                                    | THE CENTRAL CO-OPERATIVE BANK LTD.,TONK                   | -500.87                                      |
| 40                                           | Rajasthan                                    | THE KOTA CENTRAL CO-OPERATIVE BANK LTD.                   | -552.61                                      |
| 41                                           | Andhra Pradesh                               | THE DISTRICT CO-OPERATIVE CENTRAL BANK LTD., VIZIANAGARAM | -1392.65                                     |
| 42                                           | Tamil Nadu                                   | THE KANYAKUMARI DISTRICT CENTRAL CO-OPERATIVE BANK LTD.   | -43.22                                       |
| 43                                           | Tamil Nadu                                   | THE VELLORE DISTRICT CENTRAL COOPERATIVE BANK LTD.        | -12250.23                                    |
| 44                                           | Gujarat                                      | THE KACHCHH DISTRICT CENTRAL CO-OPERATIVE BANK            | -59.33                                       |

| 45         | Maharashtra   | BULDHANA DISTRICT CENTRAL CO-OPERATIVE BANK LTD.         |   -2087.16 |
|------------|---------------|----------------------------------------------------------|------------|
| 46         | Maharashtra   | DHULE & NANDURBAR DISTRICT CENTRAL CO-OPERATIVEBANK LTD. |    -406.34 |
| 47         | Maharashtra   | NAGPUR DISTRICT CENTRAL CO-OPERATIVE BANK LTD.           |   -1106.46 |
| 48         | Maharashtra   | NASIK DISTRICT CENTRAL CO-OPERATIVE BANK LTD.            |   -6163.59 |
| 49         | Maharashtra   | WARDHA DISTRICT CENTRAL CO-OPERATIVE BANK LTD.           |    -774.91 |
| Total Loss | Total Loss    | Total Loss                                               |  -55263.7  |

Source: NABARD