Bank has become live on E-Commerce and PoS transactions.          IFS CODE: UTIB0SLDH01          EK KADAM SWACHHATA KI ORE-Keep Your Surroundings Clean.          An ISO 9001:2000 certified bank by JAS-ANZ          First , Third and Fifth saturday of every month will be full working day i.e from 10 AM to 5 PM          Bank will remain closed on Second and Fourth saturday of every month          The Ludhiana Central Cooperative Bank Ltd. - An 'A' class cooperative bank          Preserve your success with smart financing         
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Our Profile

The Ludhiana Central Cooperative Bank Ltd. Ludhiana was registered on 07.09.1916. It covers 7 Tehils, namely Ludhiana East, Ludhiana West, Jagraon, Raikot, Khanna, Payal and Samrala.

Licencing :

Bank has been granted licence by R.B.I. on dated 15.01.1981.

Classification :

The bank is classified as “A” class bank as per classification made by Auditor (Chartered Accountants).

Branches Network :

Bank is having 54 branches catering to the financial needs of the people at their door step. Out of total branches 35 branches are running in profit. 29 branches are situated at Focal point.

PACS :

The number of PACS attached with the bank is 363 out of which 35 are own funds societies.

Balancing/Reconciliation :

Branches of the bank are 100% balanced as on 31.03.2015.

Resources of the Banks :

Share Capital              :           16.82 Crores

Own funds                  :           220.81 Crores

Deposits                      :           826.23 Crores

Borrowings                 :           580.06 Crores (From NABARD)

 

Deposits :

Bank’s deposit was Rs. 826.23 Crores as on 31.03.2015. Low cost to high cost are in the ratio of 44:56.

Loans and Advances :

Loans and advances of the bank stood at Rs. 1059.97 Crores as on 31.03.2015 and Target achievement of all types of loans was 98%. Agriculture loans constitute 55% of the total portfolio.

Mai Bhago Istri Shakti Scheme:

The Bank has advanced Rs. 4.21 Lacs to womens under  Mai Bhago Istri Shakti Scheme  as on 31.03.2015 and recovery of this loan was 100% as on 31.03.2015.

Recovery :

Overall recovery of the bank in all type of loans was 96.75 % as on 31.03.2015.

Crop Loan recovery of  the Bank 97.08% as on 31.01.2015.

Working Funds :

Working funds of the bank stood at Rs.1695.33 Crores as on 31.03.2015. As compared to Rs. 1614.52 as  on 31.03.2014.

Cost of Management :

Cost of Management of the bank is 1.74%.

Net Margin/Financial Margin :

Financial margin of the bank was 1.88 and Net financial margin is 0.19 as on 31.03.2015.

Profits :

The bank has earned a Net profit of Rs. 118.50 Lacs as on 31.03.2015.

N.P.A. :

Percentage   of   N.P.A.   is   3.52.

C.D. Ratio :

Bank is having a C.D. ratio of 128.29%.

Capital Adequacy Ratio :

Capital Adequacy Ratio of the bank is 11.08%. 

 

 

       Main Features as on 31.03.2015- AT A GLANCE

                                                            (Rs. In Crores)                                                                                               

1.             Own Funds                                     220.80

2.             Share Capital                                 16.82

3.             Deposits                                          826.23

4.             Loans & Advances                         1059.97

5.             Investments                                    390.95

6.             Working Funds                              1695.33

7.             CD Ratio                                         128.29%

8.             CRAR                                             11.08%

9.             Gross Profit                                    2.66  

10.           Net Profit                                        1.19

11.           NPAs                                               3.52%

12.           Audit Classification                       'A'

13.           Business Per Branch                     34.29

14.           Business per employee                   6.62

15.           KCC Membership                           82329

 

         District Profile: LUDHIANA

 

·       Subdivisions        : 7    (Samrala, Khanna, Payal, Ludhiana East),

                                           Ludhiana (West), Raikot, Jagraon)

         Blocks               : 12    (Khanna, Ldh-I, Ldh-II, Pakhowal, Dehlon,

                                            Doraha, Jagraon, Sidhwan Bet, Sudhar, Samrala, Machhiwara, Raikot)

         Sub Tehsils        : 6      (Dehlon, Koom Kalan, Machhiwara,Malaudh, Mullanpur, Sidhwan Bet)  

·        No. Of Villages   : 916  

 ·       Population          : 3498739 ( M 53%, F 47%, )

·        Literacy              : 78.20%

         Bank Branches   : 50 banks 747 branches

                                    ( P&SB 68, SBI 51, SBOP 51, PNB 69, DCCB 54, PADB 8, RRB 6, OTHERS 440)

 

·       Total Deposits     :   4194726  Lacs

 

·       Total Advances   :   5761703  Lacs

 

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