bhagyalakshmibank.com

Financial Overview

Below is a summary of the financial performance and key metrics for Bhagyalakshmi Mahila Sahakari Bank from 2019 to 2023:

Key Highlights:

  • Authorized Share Capital has remained steady at Rs. 5000.00 million since 2019.
  • Paid-up Share Capital has shown a gradual increase over the years, reaching Rs. 2296.71 million in 2023.
  • Reserve and Other Funds have grown significantly, reflecting a healthy accumulation of financial resources.
  • Deposits and Investment figures highlight the bank’s steady growth and increased financial activity.
  • C.R.A.R. (Capital to Risk Assets Ratio) has shown an upward trend, indicating a stronger capital base.
  • Profit figures indicate consistent profitability, with a notable increase in 2023.
  • Dividend Rate has varied, with a recommendation of 6% for 2023.
  • Overdue %, Total NPA, and Net NPA percentages provide insights into the bank’s asset quality and risk management.
  • Audit Class remains consistently at ‘A’, reflecting strong compliance and operational standards.

This data underscores the bank’s financial stability and growth trajectory over the past five years.

Sr No.

Details

2019

2020

2021

2022

2023

2024

2025

( Amount in Lakhs )

1.

Authorized Share Capital

2500.00

5000.00

5000.00

5000.00

5000.00

5000.00

5000.00

2.

Paid-up Share Capital

2133.31

2250.26

2306.33

2295.33

2296.71

2324.25

2275.39

3.

Share Holders

22071

21628

21441

20724

20249

-

-

4.

Reserve and Other Funds

4251.74

4753.91

5407.59

5744.49

6215.26

6525.91

6361.30

5.

Deposits

52036.02

58921.08

62686.27

58464.75

58484.33

60106.42

62092.50

6.

Loan and Advances

34566.42

36325.77

36092.57

35619.11

33551.80

38227.24

37815.47

7.

Investment

17462.48

23111.19

28680.03

25925.79

28286.72

26286.16

27281.24

8.

C.R.A.R.

14.62%

14.47%

16.49%

17.91%

19.62%

18.95%

18.22%

9.

Working Capital

59652.39

66865.22

71130.32

67310.08

68043.87

69849.83

71448.13

10.

Profit

469.34

459.37

282.51

311.83

338.63

357.97

301.80

11.

Dividend Rate(Recommended)

9%

-%

5%

6%

6%

6%

6%

12.

Overdue %

4.74%

5.88%

5.80%

6.88%

8.34%

6.37%

4.68%

13.

Total NPA

5.16%

6.75%

9.34%

8.62%

9.93%

7.36%

5.58%

14.

Net NPA

2.41%

3.68%

5.35%

4.26%

4.69%

2.34%

1.92%

15.

Audit Class

'A'

'A'

'A'

'A'

'A' 

'A' 

'A' 

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