





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 24 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 31.03.2019.
Resources of the Banks :
Share Capital : 17.75 Crores
Own funds : 229.99 Crores
Deposits : 1025.52 Crores
Borrowings : 383.12 Crores (From NABARD)
Deposits :
Bank’s deposit was Rs. 1025.52 Crores as on 31.03.2019. Low cost to high cost are in the ratio of 44.57
Loans and Advances :
Loans and advances of the bank stood at Rs. 890.81 Crores as on 31.03.2019 and Agriculture loans constitute 58% of the total portfolio.
Recovery :
Overall recovery of the bank in all type of loans was 86.60 % as on 31.03.2019.
Crop Loan recovery of the Bank 92.46% as on 31.01.2019.
Working Funds :
Working funds of the bank stood at Rs.1713.03 Crores as on 31.03.2019.
Cost of Management :
Cost of Management of the bank is 1.83%.
Net Margin/Financial Margin :
Financial margin of the bank was 1.85 and Net financial margin is 0.12 as on 31.03.2019.
Profits :
The bank has earned a Net profit of Rs. 41.00 Lacs as on 31.03.2019.
N.P.A. :
Percentage of Net N.P.A. is 3.82 as on 31.03.2019.
C.D. Ratio :
Bank is having a C.D. ratio of 86.86% as on 31.03.2019.
Capital Adequacy Ratio :
Capital Adequacy Ratio of the bank is 14.22% as on 31.03.2019.
Main Features as on 31.03.2019- AT A GLANCE
(Rs. In Crores)
1. Own Funds 299.99
2. Share Capital 17.75
3. Deposits 1025.52
4. Loans & Advances 890.81
5. Investments 562.39
6. Working Funds 1713.03
7. CD Ratio 86.86%
8. CRAR 14.22%
9. Gross Profit 2.03
10. Net Profit 0.41
11. NET NPAs 3.82%
12. Audit Classification 'A'
13. Business Per Branch 35.48
14. Business per employee 8.75
15. KCC Membership 59749
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