Financial Report Q2 2021-22

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Sept 21
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Financial Results Sept 21

Standalone- SEBI

Un-Audited (Reviewed) Standalone Financial Results for the Quarter / Half Year Ended 30th September 2021
            ( ₹ in lakhs)
Sr. No.   Particulars Quarter Ended Half Year Ended Year Ended
30.09.2021 30.06.2021 30.09.2020 30.09.2021 30.09.2020 31.03.2021
      Un-Audited Un-Audited Un-Audited Un-Audited Un-Audited Audited
1   Interest earned (a)+(b)+(c)+(d) 1669153 1705264 1781967 3374417 3631383 7049506
  (a) Interest /discount on advances / bills 1164379 1216818 1274007 2381197 2581957 5005212
  (b) Income on investments 421245 407108 425675 828353 877142 1707712
  (c) Interest on balances with Reserve Bank of India and other inter bank funds 29415 20746 33420 50161 80555 145092
  (d) Others 54114 60592 48865 114706 91729 191490
2   Other Income 357921 286319 290964 644240 520581 1293397
3   Total Income (1 + 2) 2027074 1991583 2072931 4018657 4151964 8342903
4   Interest Expended 912556 916097 1041006 1828653 2208815 4168604
5   Operating Expenses (a)+ (b) 547562 515404 495797 1062966 955065 2054366
  (a) Employees cost 311430 305946 275028 617376 527039 1144553
  (b) Other operating expenses 236132 209458 220769 445590 428026 909813
6   Total Expenditure (4+5) excluding provisions and contingencies 1460118 1431501 1536803 2891619 3163880 6222970
7   Operating Profit (3-6) before Provisions and Contingencies 566956 560082 536128 1127038 988084 2119933
8   Provisions (other than tax) and Contingencies 275359 400540 281105 675899 863837 1564333
9   Exceptional Items - - - - - -
10   Profit (+) / Loss (-) from Ordinary Activities before tax (7-8-9) 291597 159542 255023 451139 124247 555600
11   Provision for Taxes 82812 38679 87163 121491 42813 472705
12   Net Profit (+) / Loss (-) from Ordinary Activities after tax (10-11) 208785 120863 167860 329648 81434 82895
13   Extraordinary items (net of tax expenses) - - - - - -
14   Net Profit (+) / Loss (-) for the period (12-13) 208785 120863 167860 329648 81434 82895
15   Paid-up equity share capital (Face Value of ₹ 2 each) 103553 103553 92537 103553 92537 103553
16   Reserve excluding Revaluation Reserve           7083310
17   Analytical Ratios            
  i) Percentage of shares held by Government of India 63.97 63.97 71.60 63.97 71.60 63.97
  ii) Capital Adequacy Ratio(%) -Basel-III 15.55 15.40 13.26 15.55 13.26 14.99
    a) CET 1 Ratio (%) 11.39 11.25 9.21 11.39 9.21 10.94
    b) Additional Tier 1 Ratio (%) 1.82 1.81 1.54 1.82 1.54 1.73
  iii) Earnings Per Share            
  (a) "Basic EPS before and after Extraordinary items net of tax expenses (not annualized) [in ₹]" 4.04 2.34 3.63 6.37 1.76 1.78
  (b) "Diluted EPS before and after Extraordinary items net of tax expenses (not annualized) [in ₹]" 4.04 2.34 3.63 6.37 1.76 1.78
  iv) NPA Ratios            
    a) Gross NPA 5950382 6302878 6569801 5950382 6569801 6667099
    b) Net NPA 1960165 2025997 1679493 1960165 1679493 2179988
    c) % of Gross NPA 8.11 8.86 9.14 8.11 9.14 8.87
    d) % of Net NPA 2.83 3.03 2.51 2.83 2.51 3.09
  v) Return on Assets (annualized) % 0.73 0.42 0.59 0.57 0.14 0.07
  vi) Debt Equity ratio* 0.55 0.55 0.96 0.55 0.96 0.54
  vii) Total Debt to Total Assets Ratio** 0.08 0.05 0.06 0.08 0.06 0.06
  viii) Capital Redemption Reserve/ Debenture Redemption Reserve NA NA NA NA NA NA
  ix) Outstanding Reedemable Preference Shares NA NA NA NA NA NA
  ix) Net Worth 5956458 5605225 4406992 5956458 4406992 5519081
  xi) Operating Profit Margin % 50.87 52.08 51.95 51.46 50.85 50.79
  xii) Net Profit Margin % 18.73 11.24 16.27 15.05 4.19 1.99

* Debt represents borrowings with residual maturity of more than one year. ** Total Debt represents total borrowings of the Bank.

Un-Audited (Reviewed) Standalone Segment reporting for the Quarter/ Half Year Ended 30th September 2021

Un-Audited (Reviewed) Standalone Segment reporting for the Quarter/ Half Year Ended 30th September 2021
Part A-Business Segments           ( ₹ in lakhs)
Sr. No. Particulars Quarter Ended Half Year Ended Year Ended
30.09.2021 30.06.2021 30.09.2020 30.09.2021 30.09.2020 31.03.2021
Un-Audited Un-Audited Un-Audited Un-Audited Un-Audited Un-Audited
1              
 (a) Treasury Operations642525 628701 637615 1271226 1304385 2533328
 (b) Wholesale Banking672152 651972 803392 1324124 1498868 2875350
 (c) Retail Banking688624 707521 622381 1396145 1338249 2895874
 (d) Other Banking Operations23773 3389 9543 27162 10462 38351
 Total Revenue2027074 1991583 2072931 4018657 4151964 8342903
2Segment Results      
 (a) Treasury Operations155397 156598 145774 311995 243846 476289
 (b) Wholesale Banking96131 (2352)2352 72974 #NAME?(400767)
 (c) Retail Banking178098 145821 225933 323919 323875 999585
 (d) Other Banking Operations23773 3389 9544 27162 10462 38351
 Total453399 282651 383603 736050 385078 1113458
 Unallocated Expenditure 161802 123109 128580 284911 260831 557858
 Profit before Tax291597 159542 255023 451139 124247 555600
 Provision for Tax82812 38679 87163 121491 42813 472705
 Net Profit208785 120863 167860 329648 81434 82895
3Segment Assets      
 (a) Treasury Operations43839223 40610790 40189002 43839223 40189002 39644149
 (b) Wholesale Banking48811780 47697396 50074595 48811780 50074595 51181306
 (c) Retail Banking22967656 22218132 22034069 22967656 22034069 22969158
 (d) Other Banking Operations - - - - - -
 (e) Unallocated2047738 1651971 1986762 2047738 1986762 1741864
 Total Assets117666397 112178289 114284428 117666397 114284428 115536477
4Segment Liabilities      
 (a) Treasury Operations40837660 37768225 37633036 40837660 37633036 37000471
 (b) Wholesale Banking45469758 44358802 46889919 45469758 46889919 47768271
 (c) Retail Banking21395117 20662967 20632733 21395117 20632733 21437455
 (d) Other Banking Operations - - - - - -
 (e) Unallocated1907535 1536340 1860406 1907535 1860406 1625708
        
5Capital Employed      
 (a) Treasury Operations3001563 2842565 2555966 3001563 2555966 2643678
 (b) Wholesale Banking3342022 3338594 3184676 3342022 3184676 3413035
 (c) Retail Banking1572539 1555165 1401336 1572539 1401336 1531703
 (d) Other Banking Operations - - - - - -
 (e) Unallocated140203 115631 126356 140203 126356 116156
 Total Capital Employed8056327 7851955 7268334 8056327 7268334 7704572

Part- B : Geographic Segments

Un-Audited (Reviewed) Standalone Segment reporting for the Quarter/ Half Year Ended 30th September 2021
Part A-Business Segments           ( ₹ in lakhs)
Sr. No. Particulars Quarter Ended Half Year Ended Year Ended
30.09.2021 30.06.2021 30.09.2020 30.09.2021 30.09.2020 31.03.2021
Un-Audited Un-Audited Un-Audited Un-Audited Un-Audited Un-Audited
1 Revenue            
 (a) Domestic 1942455 1916411 1959984 3858866 3886209 7879289
 (b) International84619 75172 112947 159791 265755 463614
 Total20270741991583 2072931 4018657 4151964 8342903
2Assets      
 (a) Domestic 99550545 94553483 94060148 99550545 94060148 97037709
 (b) International18115852 17624806 20224280 18115852 20224280 18498768
 Total117666397112178289 114284428 117666397 114284428 115536477
STATEMENT OF ASSETS & LIABILITIES.
Particulars Standalone
As on 30th September 2021 As on 30th September 2020 As on 31st March. 2021
  Un-Audited Un-Audited Un-Audited
CAPITAL & LIABILITIES
Capital 103553 92537 103553
Reserves and Surplus 7952774 7175797 7601019
Deposits 95948432 95434019 96699693
Borrowings 9398380 6651829 6684793
Other Liabilities and Provisions 4263258 4930246 4447419
Total 117666397 117666397 117666397
ASSETS      
Cash and Balances with Reserve Bank of India 5134554 3902169 3884104
Balances with Banks and Money at Call and Short Notice 9086589 9718948 8157178
Investments 28180954 26595398 26122027
Advances 69381993 66985105 70630051
Fixed Assets 766272 856571 801624
Other Assets 5116035 6226237 5941493
Total 117666397 114284428 115536477

STATEMENT OF CASH FLOW FOR THE HALF YEAR ENDED 30TH SEPTEMBER, 2021

Particulars Standalone
Half Year ended 30th September 2021 Half Year ended 30th September 2020 Year ended 31st March 2021
  Un-Audited Un-Audited Audited
A.Cash flow from operating activities:      
Net Profit before taxes 451139 124247 555600
Adjustments for:
Depreciation on fixed assets 58242 63752 131454
Depreciation on investments (including on Matured debentures) (535) 54002 87944
Bad debts written-off/Provision in respect of non-performing assets 561602 573479 1253656
Provision for Standard Assets 100703 250136 215803
Provision for Other items (Net) 14128 43839 6930
Profit/(loss) on sale of fixed assets (Net) 101 121 (9409)
Payment/provision for interest on bonds 95812 93513 191476
Dividend received from subsidiaries/others (18250) (2462) (13170)
Sub total 1262942 1200627 2420284
Adjustments for:
(Increase)/Decrease in investments (2048461) 816490 1256802
(Increase)/Decrease in advances 686456 1453489 (2871633)
(increase)/Decrease in other assets 736643 (150798) 337522
Increase/(Decrease)in borrowings 2704627 (2593292) (2704048)
Increase/(Decrease) in deposits (751261) 835576 2101250
Increase/(Decrease) in other liabilities and provisions (276886) (63006) (488349)
Direct taxes paid (Net of Refund) (32677) 120723 (512745)
Net cash from operating activities (A) 2281383 1619809 (460917)
B. Cash flow from investing activities:
Purchase/ Transfer in of fixed assets (28197) (135938) (268261)
Sales/ Transfer out of fixed assets 5208 104423 233522
Changes in Trade related investments (Subsidiaries & others) (9931) (4428) (5311)
Dividend received from subsidiaries/others 18250 2462 13170
Net cash used in investing activities (B) (14670) (33481) (26880)
C. Cash flow from financing activities:
Share Capital/ Share Application Money/ Share Premium - - 448532
Unsecured Subordinated Bonds 8960 (61810) 81910
Dividend paid including dividend tax - - -
Payment/provision for interest on bonds (95812) (93513) (191475)
Net cash from financing activities (C) (86852) (155323) 338967
Net increase in cash & cash equivalents (A)+(B)+(C ) 2179861 1431005 (148830)
Cash and cash equivalents as at the beginning of the year 12041282 12190112 12190112
Cash and cash equivalents as at the end of the year 14221143 13621117 12041282

Cash & Cash equivalents includes Cash on hand, Balance with RBI & Other banks and Money at call and Short Notice.

As on As on As on
Components of Cash & Cash Equivalents 30th September 2021 30th September 2020 31st March 2021
Cash & Balance with RBI 5134554 3902169 3884104
Balances with Banks and Money at Call and Short Notice 9086589 9718948 8157178
Total 14221143 13621117 12041282

Notes to Standalone Financial Results

Un-Audited (Reviewed) Consolidated Financial Results for the Quarter / Half Year Ended 30th September 2021

Sr. No.   Particulars Quarter Ended Half Year Ended Year Ended
30.09.2021 30.06.2021 30.09.2020 30.09.2021 30.09.2020 31.03.2021
Un-Audited Un-Audited Un-Audited Un-Audited Un-Audited Audited
1 Interest earned (a)+(b)+(c)+(d) 1754089 1802578 1873933 3556667 3826298 7431398
  (a) Interest /discount on advances / bills 1196243 1255765 1308283 2452008 2651710 5142722
  (b) Income on investments 471637 462115 476163 933752 986655 1927538
  (c) Interest on balances with Reserve Bank of India and other inter bank funds 32271 24314 40000 56585 95179 169330
  (d) Others 53938 60384 49487 114322 92754 191808
2   Other Income 445787 322341 312190 768128 576085 1525365
3   Total Income (1 + 2) 2199876 2124919 2186123 4324795 4402383 8956763
4   Interest Expended 950539 955425 1079692 1905964 2285226 4320118
5   Operating Expenses (a)+ (b) 666089 569581 574708 1235670 1072049 2311747
  (a) Employees cost 327871 320515 287718 648386 552724 1199338
  (b) Other operating expenses 338218 249066 286990 587284 519325 1112409
6   Total Expenditure (4+5) excluding provisions and contingencies 1616628 1525006 1654400 3141634 3357275 6631865
7   Operating Profit (3-6) before Provisions and Contingencies 583248 599913 531723 1183161 1045108 2324898
8   Provisions (other than tax) and Contingencies 273734 438831 258365 712565 876236 1687581
9   Exceptional Items - - - - - -
10   Profit (+) / Loss (-) from Ordinary Activities before tax (7-8-9) 309514 161082 273358 470596 168872 637317
11   Provision for Taxes 90009 44162 93928 134171 54469 491927
12   Net Profit (+) / Loss (-) from Ordinary Activities after tax (10-11) 219505 116920 179430 336425 114403 145390
13   Less: Minority Interest 1743 2041 1471 3784 3305 7263
14   Add: Share of earnings in Associates (977) 3775 (838) 2798 (1848) 16640
15   Extraordinary items (net of tax expenses) - - - - - -
16   Net Profit (+) / Loss (-) for the period (12-13+14+15) 216785 118654 177121 335439 109250 154767
17   "Paid-up equity share capital 103553 103553 92537 103553 92537 103553
18   Reserve excluding Revaluation Reserve           7614757
19   Analytical Ratios            
  i) Percentage of shares held by Government of India 63.97 63.97 71.60 63.97 71.60 63.97
  ii) Capital Adequacy Ratio(%) -Basel-III 16.06 16.38 14.00 16.06 14.00 15.74
  (a) CET 1 Ratio (%) 12.02 12.35 10.05 12.02 10.05 11.80
  (b) Additional Tier 1 Ratio (%) 1.75 1.74 1.48 1.75 1.48 1.67
  iii) Earnings Per Share            
  (a) Basic EPS before and after Extraordinary items net of tax expenses (not annualized) [in ₹] 4.19 2.29 3.83 6.49 2.36 3.32
  (b) Diluted EPS before and after Extraordinary items net of tax expenses (not annualized) [in ₹] 4.19 2.29 3.83 6.49 2.36 3.32
  iv) NPA Ratios          
Gross NPA Not Applicable          
  Net NPA            
(b) Gross NPA to Gross Advances %            
  Net NPA to NPA Advances %            
v) Return on Assets (annualized) % 0.72 0.40 0.60 0.55 0.18 0.13
vi) Debt Equity ratio* 0.58 0.58 0.96 0.58 0.96 0.56
vii) Total Debt to Total Assets Ratio** 0.08 0.06 0.06 0.08 0.06 0.06
viii) Capital Redemption Reserve/ Debenture Redemption Reserve NA NA NA NA NA NA
ix) Outstanding Reedemable Preference Shares NA NA NA NA NA NA
x) Net Worth 6414953 6078314 4842395 6414953 4842395 5989288
xi) Operating Profit Margin % 46.68 51.30 48.06 48.91 49.36 50.14
xii) Net Profit Margin % 17.35 10.15 16.01 13.87 5.16 3.34

* Debt represents borrowings with residual maturity of more than one year. ** Total Debt represents consolidated borrowings of the Group.

Un-Audited (Reviewed) Consolidated Financial Results for the Quarter / Half Year Ended 30th September 2021

Sr. No. Particulars Quarter Ended Half Year Ended Year Ended
30.09.2021 30.06.2021 30.09.2020 30.09.2021 30.09.2020 31.03.2021
Un-Audited Un-Audited Un-Audited Un-Audited Un-Audited Audited
1 Segment Revenue            
(a) Treasury Operations 678215 662272 672634 1340487 1373634 2674360
  (b) Wholesale Banking 691945 668821 820267 1360766 1534362 2943155
  (c) Retail Banking 710304 729681 645000 1439985 1378958 2982302
  (d)Other Banking Operations 119412 64145 48222 183557 115429 356946
  Total Revenue 2199876 2124919 2186123 4324795 4402383 8956763
2 Segment Results            
  (a) Treasury Operations 165613 167461 166642 333074 277998 524502
  (b) Wholesale Banking 104228 (13912) 5591 90316 (182128) (372484)
  (c) Retail Banking 183553 147484 231428 331037 332954 1009253
  (d)Other Banking Operations 17041 (13491) (2353) 3550 (1533) 49468
  Total 470435 287542 401308 757977 427291 1210739
  Unallocated Expenditure 163641 124726 130259 288367 263572 564045
  Profit before Tax 306794 162816 271049 469610 163719 646694
  Provision for Tax 90009 44162 93928 134171 54469 491927
  Net Profit 216785 118654 177121 335439 109250 154767
3 Segment Assets            
  (a) Treasury Operations 46044231 42856742 42450370 46044231 42450370 41908241
  (b) Wholesale Banking 49716430 48562268 50918555 49716430 50918555 52007481
  (c) Retail Banking 23653709 22851990 22629997 23653709 22629997 23655779
  (d)Other Banking Operations 1074698 1087461 718260 1074698 718260 908482
  (e) Unallocated 2140653 1718520 2068682 2140653 2068682 1787596
  Total Assets 122629721 117076981 118785864 122629721 118785864 120267579
4 Segment Liabilities            
  (a) Treasury Operations 42814384 39782267 39677793 42814384 39677793 39037307
  (b) Wholesale Banking 46228990 45078487 47592892 46228990 47592892 48444697
  (c) Retail Banking 21994481 21212624 21151956 21994481 21151956 22035234
  (d)Other Banking Operations 999312 1009448 671348 999312 671348 846246
  (e) Unallocated 1990493 1595236 1933569 1990493 1933569 1665137
  Total Liabilities 114027660 108678062 111027558 114027660 111027558 112028621
5 Capital Employed            
  (a) Treasury Operations 3229847 3074475 2772577 3229847 2772577 2870934
  (b) Wholesale Banking 3487440 3483781 3325663 3487440 3325663 3562784
  (c) Retail Banking 1659228 1639366 1478041 1659228 1478041 1620545
  (d)Other Banking Operations 75386 78013 46912 75386 46912 62236
  (e) Unallocated 150160 123284 135113 150160 135113 122459
  Total Capital Employed 8602061 8398919 7758306 8602061 7758306 8238958

Part- B : Geographic Segments

Sr. No. Particulars Quarter Ended Half Year Ended Year Ended
30.09.2021 30.06.2021 30.09.2020 30.09.2021 30.09.2020 31.03.2021
Un-Audited Un-Audited Un-Audited Un-Audited Un-Audited Audited
1 Revenue            
  (a) Domestic 2064866 2001062 2024276 4065928 4038696 8294924
  (b) International 135010 123857 161847 258867 363687 661839
  Total 2199876 2124919 2186123 4324795 4402383 8956763
2 Assets            
  (a) Domestic 101499058 96503884 95643198 101499058 95643198 98816417
  (b) International 21130663 20573097 23142666 21130663 23142666 21451162
  Total 122629721 117076981 118785864 122629721 118785864 120267579

Liquidity Coverage Ratio (LCR) Disclosure - Sep 2021

Name of the Bank : Bank of Baroda Daily Averages of Q2 Ending Sep 2021 (Solo basis) Daily Averages of Q2 Ending Sep 2021 (Consolidated basis)
Total Unweighted Value Total Weighted Value Total Unweighted Value Total Weighted Value
High Quality Liquid Assets
1 Total High Quality Liquid Assets (HQLA) 2,34,872.36 2,38,760.35
Cash Outflows
2Retail deposit and deposits from small business customers, of which: 6,16,346.74 58,437.02 6,39,378.62 60,413.65
(i)Stable Deposits 63,953.05 3,197.65 70,484.36 3,524.22
(ii)Less Stable Deposits 5,52,393.69 55,239.37 5,68,894.26 56,889.43
3Unsecured wholesale funding, of which: 1,55,202.75 85,588.77 1,62,089.53 89,817.07
(i)Operational deposits (all counterparties) - - - -
(ii)Non-operational deposits (all counterparties) 1,55,202.75 85,588.77 1,62,089.53 89,817.07
(iii)Unsecured debt - - - -
4Secured wholesale Funding 27,827.56 - 27,827.56 -
5Additional requirements, of which 1,26,897.19 12,949.82 1,29,153.22 13,145.38
(i)Outflows related to derivative exposures and other collateral requirements 0.42 0.42 0.42 0.42
(ii)Outflows related to loss of funding on debt products - - - -
(iii)Credit and liquidity facilities 1,26,896.77 12,949.40 1,29,152.80 13,144.96
6Other contractual funding obligations 1,077.32 1,077.32 1,199.26 1,199.26
7Other contingent funding obligations 83,860.97 2,515.83 84,898.44 2,546.95
8TOTAL CASH OUTFLOWS 10,11,212.53 1,60,568.76 10,44,546.63 1,67,122.31
Cash Outflows
9Secured lending (e.g. reverse repos) 8,109.46 - 8,109.46 -
10Inflows from fully performing exposures 29,640.29 25,017.30 32,870.12 27,575.03
11Other cash inflows 1,635.92 827.00 1,851.41 934.82
12TOTAL CASH INFLOWS 39,385.67 25,844.30 42,831.00 28,509.86
Total Adjusted Value Total Adjusted Value
13TOTAL HQLA  2,34,872.36   2,38,760.35
14TOTAL NET CASH OUTFLOWS   1,34,724.46   1,38,612.45
15LIQUIDITY COVERAGE RATIO (%) 174.34% 172.25%

STATEMENT OF ASSETS & LIABILITIES.

Particulars Standalone
As on 30th September 2021 As on 30th September 2020 As on 31st March. 2021
  Un-Audited Un-Audited Audited
CAPITAL & LIABILITIES        
Capital   103553 92537 103553
Reserves and Surplus   8498507 7665769 8135405
Minority Interest   47006 43255 43620
Deposits   98939873 98220608 99590981
Borrowings   9917065 7104718 7126334
Other Liabilities and Provisions   5123717 5658977 5267686
T O T A L   122629721 118785864 120267579
ASSETS        
Cash and Balances with Reserve Bank of India   5328519 4111961 4015372
Balances with Banks and Money at Call and Short Notice   9725261 10458070 8850741
Investments   30302445 28366007 28185900
Advances   71232296 68622133 72324225
Fixed Assets   788451 872603 821694
Other Assets   5230358 6332699 6047256
Goodwill on Consolidation   22391 22391 22391
T O T A L   122629721 118785864 120267579

STATEMENT OF CASH FLOW

Cash & Cash equivalents includes Cash on hand, Balance with RBI & Other banks and Money at call and Short Notice.

Particulars Standalone
As on 30th September 2021 As on 30th September 2020 As on 31st March. 2021
  Un-Audited Un-Audited Audited
A. Cash flow from operating activities:
Net Profit before taxes 469610 163719 646694
Adjustments for:
Depreciation on fixed assets 60524 65828 135730
Depreciation on investments (including on Matured debentures) 1320 54492 88433
Bad debts written-off/Provision in respect of non-performing assets 517314 576687 1254873
Provision for Standard Assets 102798 252830 218080
Provision for Other items (Net) 91132 49845 126195
Profit/(loss) on sale of fixed assets (Net) (22150) (86) (27125)
Payment/provision for interest on bonds 95812 93513 191476
Dividend received from subsidiaries/others - - -
Sub total 1316360 1256828 2634356
Adjustments for:
(Increase)/Decrease in investments (2116284) 556132 719558
(Increase)/Decrease in advances 574615 1455151 (2925126)
(increase)/Decrease in other assets 729959 (151233) 333961
Increase/(Decrease)in borrowings 2781772 (2408741) (2530846)
Increase/(Decrease) in deposits (651108) 897793 2268166
Increase/(Decrease) in other liabilities and provisions (306849) (47516) (55922)
Direct taxes paid (Net of Refund) (47234) 104358 (532852)
Net cash from operating activities (A) 2281231 1662772 (88705)
B. Cash flow from investing activities:
Purchase/ Transfer in of fixed assets (34245) (140083) (278605)
Sales/ Transfer out of fixed assets 29114 106116 252685
Changes in Trade related investments (Subsidiaries & others) (1581) - 3,958.00 (21219)
Dividend received from subsidiaries/others - - -
Net cash used in investing activities (B) (6712) (37925) (47139)
C. Cash flow from financing activities:
Share Capital/ Share Application Money/ Share Premium - - 11016
Unsecured Subordinated Bonds 8960 (61810) 81910
Payment/provision for interest on bonds (95812) (93513) (191476)
Net cash from financing activities (C) (86852) (155323) (98550)
Net increase in cash & cash equivalents (A)+(B)+( C) 2187667 1469524 (234394)
Cash and cash equivalents as at the beginning of the year 12866113 13100507 13100507
Cash and cash equivalents as at the end of the year 15053780 14570031 12866113
As on As on As on
Components of Cash & Cash Equivalents 30th Sept 2021 30th Sept 2020 31st March 2021
Cash & Balance with RBI 5328519 4111961 4015372
Balances with Banks and Money at Call and Short Notice 9725261 10458070 8850741
Total 15053780 14570031 12866113

 Notes To Consolidated Financial Results

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