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Annual Report
2022-23
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BOARD OF DIRECTOR

Mr. Rajesh D. Rathi Mr. Pravin G. Bangad Mr. Magaraj M. Rathi

Managing Director Vice - Chairman Secretary / Director

Mr. Shriram J. Lohiya Mr. Rajendra B. Laddha Mr. Mahesh C. Rathi Adv. Shyam A. Maheshwari
Director Director Director Director

Mr. Bhawarsingh K. Bhati Mr. Manoharbharati N. Goswami Mr. Laxman K. Memane Mr. Bhagaram K. Meghwal
Director Director Director Director

Mrs. Hema A. Bangad Mrs. Shama R. Malpani Mrs. Savita B. Rathi Mrs. Madhavi B. Bhondwe
Director Director Director General Manager

ANNUAL REPORT-2022-23
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A‘a PmcmV Vwåhr OrdZr &&

“lÜXm gw‘Z”

ANNUAL REPORT-2022-23
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g§ñWoMo H$m¶©H$mar g§MmcH$ [Link] YZamO amR>r
{d{dY g‘mOmMo à{V{ZYr d BVa ‘mݶda

ANNUAL REPORT-2022-23
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dm{f©H$ gd©gmYmaU g^m gyMZm

(\$º$ g^mgXm§gmR>r)
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Amho.

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ANNUAL GENERAL MEETING NOTICE

( Only for Members )
The 25th Annual General Body Meeting of “Mahesh Nagari Multi-State [Link]. Credit Soc. Ltd., Pune. will be held on
Sunday 17/09/2023 11.00 a.m. at “ HEMA MANGAL KARYALAY ”, SUKHSAGAR NAGAR, KATRAJ, PUNE-411046 Your
Presence will be appreciated.

AGENDA OF MEETING
rd
1. To read and confirm the minutes of last meeting held on Friday 23 Sept 2022
2. To approve the Annual Accounts which consist of the report of board of directors, Balance sheet and Profit & Loss
st
account for the year ended 31 March 2023.
3. To appropriate Net Profit recommended by the Board of Director’s of the year 31st March 2023.
4. To approve the audit report received by M/s Kango Associates (Chartered Accountant) of the year 31st March 2023.
5. To appoint the Statutory Auditor, Internal & Income Tax Auditor for the Financial year 2023-2024.
6. To approve the excess expenditure of the year 2022-2023.
7. To approve appropriate expenses of Financial Year-2023-2024.
8. To approve Expansion of Head Office & Branches.
9. To approve bye laws amendment ( As per annexure ).
1
10. Subject as per the permission of Hon. Meeting Chairman on time.

By order of the Board of Directors

Date :- 01/09/2023
Mr. Magaraj Mishrimal Rathi
Place :- Pune
Director / CEO

Notice

1. If, within half an hour after the time appointed for the meeting, the quorum is not formed, the meeting would Stand adjourned and this
adjourned meeting shall be held at 11.30 a.m. on the same day.
2. Any Questions or Suggestions regarding above should submit their request before Monday dtd. 11/09/2023 at Head Office, Sukhsagar nagar,
Pune. (Office Timings 10.00 a.m. To 5.00 p.m. Saturday Closed).
3. Any change in name, Address or nomination of the member should be intimated in writing to the nearest branch.
4. The copy of Annual Report is available at all branches of the Society.

2 ANNUAL REPORT-2022-23
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ANNUAL REPORT-2022-23 3
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AT A GLANCE (As on 31.03.2023)

Name of Organization : Mahesh Nagari Multi State Co-op. Credit Soc Ltd. Pune
Head Office : S. No. 17/2, Sukhsagar Nagar, Katraj, Pune - 411 046 (Maharashtra)
Ph. No.: 020-26961119, 26962225.
Branch - Sukhsagar Nagar : S. No. 17/2, Sukhsagar Nagar, Katraj, Pune - 411 046 (Maharashtra)
Ph. No.: 020-26961171, 26961471.
Branch - Tilak Road : 1170, Sadashiv Peth, Near Maharashtra Mandal, Tilak Road,
Pune - 411 030 (MH) Ph. No.: 020-24476189 / 24492510
Branch - Sinhgad Road : Subhadra Smruti, [Link]. 33/14, Kudale Baug, Vadgaon Budruk,
Sinhgad Road, Pune - 411 051(MH) Ph. No.: 020-24355842 / 24355843
Branch - Satara Road : 688/B/1, Plot No. 6, Mahesh Chembers, Near Nexa Showroom, Satara Road,
Pune - 411 037(MH) Ph. No.: 020-24228150, 24228151.
Branch - Rasta Peth : Shop No.3, 347 Shram Safalya Building,15 August Chowk, Somwar
Peth, Pune-411 002 (MH) Ph. No. : 020-26132030 / 26132303.
Branch - Jodhpur (Rajasthan) : Shop No.3, 615, Mahaveer Plaza, Opp Excide Energy Systems,
11A Pal Road, Jodhpur, Rajasthan. Ph.: 0291-2772171.
Registration No. : MSCS / CR / 360 / 2010
Establishment date : 01 October 1998
Audit Classification : “A”(Since 1998, i.e. the year in which we were registered as a Cr. Soc.)
Area of Operation : Maharashtra & Rajasthan
Members : 6112
Paid up Share capital : ₹ 3,02,98,400.00
Working capital : ₹ 194,08,75,359.52
Reserve & Surplus : ₹ 21,17,33,476.54
Deposits : ₹ 168,11,59,410.12
Advances : ₹ 98,03,13,585.00
Investment : ₹ 78,57,04,219.00
Bank Balance : ₹ 6,26,73,268.86
Total Income : ₹ 17,41,96,892.42
Total Expenditure : ₹ 15,96,67,104.01
Profit (2022-23) : ₹ 1,45,29,788.41
Total Profit : ₹ 1,47,85,328.40

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gào_ Z_ñH$ma,
Amnë`m g§ñWoMm gZ 2022-2023 `m dfm©Mm 25 dm dm{f©H$ Ahdmb VgoM {XZm§H$ 31 _mM© 2023 AIoaMr {hemo~rnÌHo$$ (Vmio~§X nÌH$,
Z\$m-VmoQ>m nÌH$) Am{U gZ 2023-2024 `m AmJm_r Am{W©H$ dfm©Mo A§XmO nÌH$ g§MmbH$ _§S>imMo dVrZo AmnUm nwT>o gmXa H$aVmZm _bm
A{Ve` AmZ§X hmoV Amho. Amnë`m g§ñWoMr Zm|XUr hmoD$Z 25 df} nyU© Pmbr AmhoV. `mM H$mbmdYrV gwIgmJaZJa, {Q>iH$ amoS>, {g§hJS> amoS>,
gmVmam amoS>, amñVm noR> d OmoYnya (amOñWmZ) `oWrb ghm emIogh g§ñWoÀ`m EHy$U Am{W©H$ ì`dhmamV AmnUm gdmªZr {Xcoë`m _Z:nyd©H$
ghH$m`m©_wio _moR>r dmT> Pmbobr Amho. g§ñWoÀ`m à_wI CÔoem§Mr nyV©Vm H$aÊ`mgmR>r g§ñWoMo g^mgX, R>odrXma, ImVoXma d J«mhH$m§Zm g§JUH$sH¥$V d
AmnwbH$sÀ`m dmJUwH$sgh Mm§Jbr gj‘ J«mhH$godm XoÊ`mMm à`ËZ Ho$bm AgyZ Ë`mg AmnU gdmªZr _ZmnmgyZ ghH$m`© Ho$bo Amho AgoM ghH$m`©
`mnwT>ohr {_iV amhrb Agm gmW© {dídmg Amho.
dm{f©H$ gd©gmYmaU g^m
g§ñWoMr 24 dr dm{f©H$ gd©gmYmaU g^m ewH«$dma {XZm§H$ 23/09/2022 amoOr Pmbobr AgyZ g^oÀ`m {df`n{ÌHo$V Z_wX Ho$boë`m gd©
{df`m§Mm {dMma hmoD$Z Ë`m~m~VMo R>amd gdm©Zw_Vo g§_V Pmbo d `m gd© R>amdm§Mr `mo½` Vr H$m`©dmhr Pmbobr Amho.
g§MmbH$ _§S>i g^m
g§ñWoÀ¶m nmoQ>{Z¶‘mà‘mUo Ahdmc dfm©V 15 g§MmcH$m§Zr H$m‘ nm{hco. g§MmcH$ ‘§S>imÀ¶m d BVa g{‘˶m§À¶m Imcrc Vnercmà‘mUo
g^m KoʶmV Amë¶m AmhoV.
g{‘Vr V³Vm gd© emIm
(A) Cng{‘Vr g^m
H$m¶©H$mar g{‘Vr g^m 12
(~) H$O© g{‘Vr d
H$O© dgwbr g{‘Vr g^m 12

(H$) g§MmbH$ ‘§S>i g^m 15

(S>) dm{f©H$ gd©gmYmaU g^m 01

(B) {deof gd©gmYmaU g^m 01

EHw$U g^m 01
41

darb g^m§_YyZ g§MmbH$ _§S>imVrb gd© g^mgXm§Zr O~m~XmarZo H$m_H$mOmV gH«$s` gh^mJ KoVbm AgyZ gXa g^m§_Yrb gd© R>amd EH$_VmZo
g§_V H$aÊ`mV Ambo. g§_V H$aÊ`mV Amboë`m R>amdm§Mr `mo½` Vr H$m`©dmhr Pmbobr Amho.
g^mgX g§»`m
Ahdmb df© AIoarg g§ñWoÀ`m nQ>mdarb g^mgX g§»`m 6112 BVH$s AgyZ Ahdmb dfm©V 91 g^mgX ‘¶V d Aݶ H$maUm‘wio H$‘r Pmbobo
AgyZ EHy$U 946 Z{dZ g^mgX Pmbobo AmhoV.

ANNUAL REPORT-2022-23 5
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^mJ ^m§S>dc
g§ñWoÀ`m A{YH¥$V ^mJ ^m§S>dbmMr _`m©Xm ₹ 10 H$moQ>r Amho. {X. 31/03/2023 AIoa g§ñWoMo dgyb ^mJ ^m§S>db ₹ 3,02,98,400.00 BVHo$
Amho.
J§JmOir d BVa {ZYr
g§ñWobm Am{W©H$ ñW¡¶m©À¶m ÑîQ>rZo d ^{dî¶mVrb OmoIr‘ {dMmamV KodyZ g§ñWoH$S>o ‘moR>¶m à‘mUmV ñd{ZYr {XgwZ ¶oVo Amho. ñd{ZYr‘wio
g§ñWoMr g§npËVH$ pñWVr ^³H$‘ Pmbobr Amho. Ahdmb dfm© AIoarg EHy$U {ZYr ₹ 21,17,33,476.54 BVH$m AgyZ `m_Ü`o {dYr {dhrV
J§JmOir (amIrd {ZYr) ₹ 6,68,42,100.03 d B_maV {ZYr ₹ 5,56,65,008.00 d g§e{`V d ~wS>rV H$O©{ZYr ₹ 4,20,01,000.00,
g{_H$aU {ZYr ₹ 13,00,000.00, {dH$mg {ZYr ₹ 22,07,031.56, g^mgX H$ë`mU {ZYr ₹ 13,87,120.00, H$_©Mmar H$ë`mU {ZYr,
₹ 12,57,859.26, nwZ©‘wë¶m§H$Z amIrd {ZYr ₹ 3,96,20,194.00 , Y‘©Xm¶ {ZYr ₹ 3,53,163.69 d am¡ß¶ ‘hmoËgd {ZYr ₹ 11,00,000.00
BVH$m Amho.
R>odr ({S>nm°{PQ>)
g^mgXm§À¶m Am{W©H$ JaOm ^mJdyZ, bmoH$m{^‘wI H$ma^ma H$éZ g§ñWm àJVr nWmda ZoUogmR>r g§ñWm Am{U g^mgX, ¶m§À¶mVrb {dídmgmh©Vm
H$m¶‘ ahmUogmR>r H$Q>r~ÜX AgUo ho gd© g^mgX, g§ñWoMo g§MmbH$ ‘§S>i Am{U A{YH$mar d H$‘©Mmar ¶m§Mo AmÚ H$V©ì¶ Amho. ˶m ÑîQ>rH$moZmVyZ
g§ñWoMr dmQ>Mmb gwé Amho Am{U ˶mMoM à{VH$ åhUOo R>odrXmam§Mm g§ñWodarb {dídmg Am{U g§ñWoÀ¶m nmaXeu H$ma^mamMo ÚmoVH$ åhUyZM
g§ñWm ñd~imda Am{W©H$ÑîQ>¶m gj‘ AgyZ g§ñWoZo H$moUVohr ~mh¶ H$O© KoVbobo Zmhr. Amnë`m g§ñWoÀ`m g^mgX, R>odrXma d ImVoXma `m§Zr
g§ñWoda XmI{dboë`m {dídmgm_wio g§ñWoÀ`m EHy$U R>odr ₹ 1,68,11,59,410.12 O_m Pmboë`m AmhoV.
g^mgX H$O© (cmoZ)
g§ñWoMo à‘wI H$m¶© H$O© dmQ>n H$aUo ho Amho. H$O© XoVmZm gdm}Vmonar H$miOr KodyZM g§ñWm$ H$O© nwadR>m H$aVo. Ahdmb dfm© AIoarg g§ñWoZo
{d{dY ñdénmVrb H$O} {dVarV Ho$bobr AmhoV. ‘mJ©Xe©H$ n[anÌHo$, ghH$ma H$m¶X¶mVrb VaVyXr, g§ñWoMo nmoQ>{Z¶‘, g§ñWoÀ¶m g§MmbH$
‘§S>imZo R>a{dbobo H$O© d H$O© {dVaU YmoaU ¶m gdmªÀ¶m ‘¶m©XoV amhÿZM g§ñWoZo H$O© {dVaU Ho$bobo Amho. {X. 31/03/2023 AIoarg g^mgXm§Zm
{Xboë`m EHy$U H$O© `oUo~mH$s ₹ 98,03,13,585.00 BVH$s Amho. `m H$Om©Mo háo {Z`{_VnUo dgyb hmoV AgyZ WH$~mH$sMo à_mU A{Ve` Aën
Amho. H$O© XoVmZmM H$O© naV \o$S>rMr j_Vm nyU©nUo nS>VmiyZ nmhÿZ d Ë`mM à_mUmV `mo½` Ë`m [aVrZo H$O© dmQ>n H$aÊ`mMo YmoaUmMr H$mQ>oH$moanUo
A§_b~OmdUr Ho$ë`mZo dgwbrMo à_mU Mm§Jbo am{hbo Amho.
Jw§VdUyH$ (VabVm)
g§ñWoZo g§ñWoMo Am{W©H$ ñW¡`© amIÊ`mgmR>r d VabVm amIÊ`mgmR>r _hoe ghH$mar ~±H$ {b., H$m`_ R>od ₹ 10,17,78,534.00, VgoM gmañdV
~±Ho$V H$m`_ R>od ₹ 5,26,97,676.00,OZVm ghH$mar ~±H$ H$m`_ R>od ₹ 6,15,99,882.00 {dídoída ghH$mar ~±H$ {b. ₹ 14,98,44,674.00
em‘amd {dÇ>c ~±H$ ₹ 13,99,48,696.00, R>mUo OZVm ghH$mar ~±H$ H$m`_ R>od ₹ 3,00,47,343.00, EZHo$OrEg~r ~±H$ {b.₹ 11,57,68,334.00
H$m°g‘m°g ~±H$ H$m¶‘ R>od ₹ 13,40,19,080.00 Mr Jw§VdUyH$ Ho$bobr Amho VgoM nwUo {Oëhm ZmJar gh. nVg§ñWm \o$S>aoeZ eoAg© ₹ 250.00,
nr.S>[Link]. ~±H$ eoAg© ₹ 10,000.00, _hmamîQ´> amÁ` {S>nm°{PQ> J°a§Q>r H$mnm}aoeZ ‘ܶo ₹ 10,000.00 d ‘hmamîQ´> amÁ¶ [Link]. ’o$S>aoeZ ‘ܶo ₹
5,000.00 d VgoM ’o$S>aoeZ Am°’$ ‘pëQ>ñQ>oQ> H$mo-Am°n. H«o${S>Q> gmogm¶Q>r {c. nwUo ‘ܶo ₹ 10,000.00 Mr Jw§VdUyH$ Ho$bobr Amho.

6 ANNUAL REPORT-2022-23
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Z\$m d Z\$m {d^mJUr

Ahdmb dfm©V EHw$U CËnÞmVyZ IM© Kgmam d VaVwXr dOm OmVm g§ñWog ₹ 1,45,29,788.41 BVH$m {Zìdi Z\$m Pmbobm Amho. VgoM _mJrb
dfm©Mm {e„H$ Z\$m ₹ 2,55,539.99 {dMmamV KoD$Z g§ñWoMm EHy$U Z\$m ₹$1,47,85,328.40 BVH$m {XgV Amho. {Zìdi Zâ¶mÀ¶m {d^mJUrgmR>r
‘m. g§MmbH$ ‘§S>imZo Imbrb à‘mUo {e’$mag Ho$bobr Amho ˶mg AmnU ‘§Oyar XoUo {df¶r {dZ§Vr Amho.

amIrd {ZYr (25% à_mUo) 38,00,000.00 25.00%

bm^m§e (9% à_mUo JwUH$ nÕVrZwgma) 26,78,519.00 18.43%
g§e{¶V d ~wS>rV {ZYr (AH$ñ‘mV) 32,00,000.00 22.00%
B_maV {ZYr 5,00,000.00 3.38%
{ejU {ZYr (1% à_mUo) 1,45,298.00 1.00%
{dH$mg {ZYr (H¥$VkVm {ZYr) 5,00,000.00 3.20%
g^mgX H$ë`mU {ZYr 5,00,000.00 3.20%
godH$ H$ë`mU {ZYr 2,00,000.00 1.35%
Y_©Xm`/gm_m{OH$ CËgd {ZYr 15,00,000.00 10.32%
bm^m§e g{_H$aU {ZYr 1,00,000.00 0.69%
am¡ß¶ ‘hmoËgd {ZYr 14,00,000.00 9.63%
nwT>rb dfm©gmR>r {e„H$ Z\$m 2,61,511.40 1.80%

EHy$U Z’$m 1,47,85,328.40 100%

bm^m§e
‘m. g§MmbH$ ‘§S>imZo {e’$mag Ho$ë¶mà‘mUo g^mgXm§Zm ˶m§Zr YmaÊm Ho$boë¶m ^mJ ^m§S>dbmÀ¶m a³H$‘oda 9% àmoaoQ>m ~ogrgZo bm^m§e XoʶmMr
{e’$mag Ho$bobr Amho. g§ñWoÀ¶m dm{f©H$ gd©gmYmaU g^oV ‘mݶVm {‘imë¶mZ§Va bm^m§emMo dmQ>n g§ñWoÀ¶m gd© emIm H$m¶m©b¶mV H$aʶmV
¶oB©b. ¶m~m~V gd© g^mgXm§Zr Zm|X KoUo. Á¶m g^mgXm§Mo ~MV ImVo Zmhr ˶m§Zr OdiÀ¶m emIoV Amnbo ~MV ImVo CKSy>Z ¿¶mdo. hr {dZ§Vr.
gaH$mar boImn[ajU
g§ñWoMo gZ 2022-2023 Mo d¡Ym{ZH$ boImn[ajU _m. S>[Link]. H$m§Jmo A°ÊS> Agmo{gEQ> (MmQ>©S>© AH$m¢Q>§Q>) `m§Zr Ho$bobo AgyZ Ë`m§Mm Ahdmb
g§ñWog àmá Pmbobm Amho. Jobo 24 df© g§ñWoZo Am°S>rQ> dJ© "A' H$m`_ R>odbobm AgyZ _mJrb dfm©à_mUo `mdfu g§ñWog "A' Am°S>rQ> dJ© {_imbm
Amho. hr g§ñWoÀ`m Ñï>rZo A{^_mZmñnX ~m~ Amho.
Ho$. dm¶. gr.
Know Your Customer (KYC) - RBI À¶m ZdrZ {Z¶‘mZwgma à˶oH$ ~±Ho$cm Amnë¶m gd© g^mgX ImVoXmam§Mr KYC nwV©Vm H$aUo Amdí¶H$ Amho
˶mà‘mUo Amnë¶m g§ñWoZo gwX²Ym Amnë¶m gd© g^mgX, ImVoXma, R>odrXma ¶m§Mr KYC {ZH$f 100% nwU© Ho$cocr Amho.
7
ANNUAL REPORT-2022-23 7
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‘w»¶ H$m¶m©c¶ d emIm {dñVma

g§ñWoÀ`m ""_w»` H$m`m©b`'', gwIgmJaZJa, [Q>iH$ amoS>, qghJS> amoS>, gmVmam amoS , amñVm noR> d OmoYnya Aem EHy$U ghm emIm H$m`©aV AmhoV.
Mmcy Am{W©H$ dfm©V ‘m. g|Q´>c a{OñQ>ma ¶m§Mr nwd© nadmZJr KoD$Z nwUo {Oë¶mV 4 Vo 5 emIm CKS>ʶmMo g§MmcH$ ‘§S>imZo R>a{dco Amho. g§ñWoÀ¶m
dmT>˶m H$m‘H$mOmMo ì¶mn ~KyZ gܶmMo ‘w»¶ H$m¶m©c¶mMr OmJm H$‘r nS>V AgyZ nwT>rc H$mcmdYrH$[aVm g§ñWoMo ‘w»¶ H$m¶m©c¶ gd© gmo¶r¶wº$
ehamÀ¶m ‘ܶ^mJr H$aUo Agë¶mH$maUmZo ZdrZ ‘w»¶ H$m¶m©c¶H$[aVm ¶mo½¶ Vr H$m¶©dmhr gwê$ AgyZ cdH$aM ‘w»¶ H$m¶m©c¶ g§ñWoMo
ñd‘mcH$sÀ¶m ZwVZ dmñVy‘ܶo ñWcm§VaU H$aʶmV ¶oB©c.

H$moAa ~±H$s¨J àUmcr

g§ñWoÀ¶m gd© g^mgX, R>odrXma d ImVoXma ¶m§Zm gd© gw{dYm ËdarV d AMyH$ XoVm ¶mdr ¶mH$[aVm g§ñWoMo gd© H$m‘H$mO CBS ( Core Banking
Solutions) ¶m àUmcrda H$m¶m©pÝdV Ho$co AgyZ g§ñWoMo ñd‘mcH$sMo AÚmdV d A˶mYw{ZH$ S>oQ>m g|Q>a H$m¶m©pÝdV Pmco Amho. VgoM ¶m S>oQ>m
g|Q>aMo cm^ BVa ghH$mar g§ñWm§Zm gwÜXm Aën ‘mo~Xë¶m‘ܶo CncãY H$ê$Z XoʶmMm à¶ËZ amhrc.
g§ñWm godH$ dJ©
g§ñWoMm godH$ dJ© hm à{e{jV AgyZ doioMr V‘m Z ~miJVm àg§Jr OmXm doi Wm§~yZ H$m‘ Ho$co Amho. ho ¶m {R>H$mUr ‘wÔm‘ Z‘wX H$arV Amho. o
g§MmcH$ ‘§S>imZo KoVcoë¶m {ZU©¶mMr R>amdmMr ËdarV A§‘c~OmdUr H$ê$Z g§ñWoÀ¶m g^mgX, ImVoXma d R>odrXma ¶m§Zm VËna d {dZ‘« godm
XoD$Z g§ñWoÀ¶m godH$ dJm©Zo g§ñWoÀ¶m OS>UKS>UoV ‘mocmMr H$m‘{Jar ~Omdcr Amho. g§ñWoV’}$ gd© H$‘©Mmar dJm©H$[aVm Mediclaim, PF, Group
Gratuity d H$‘©Mmar {Zd¥Îmr cm^ n|eZ ¶moOZm B. gw{dYm XoʶmV ¶oV AmhoV.

X¡Z§{XZ R>od à{V{ZYr

g§ñWoÀ`m g^mgXm§Zm Am{W©H$Ñï>çm gj_ ~Z{dÊ`mgmR>r X¡Z§{XZ R>od `moOZm hr gdm©V _hÎdnwU© R>od `moOZm AgyZ Ë`mH$[aVm g§ñWoZo EHy$U 21
X¡Z§{XZ R>od à{V{ZYtMr Zo_UwH$ Ho$bobr Amho. `m à{V{ZYtZr à`ËZnyd©H$ _moR>çm à_mUmda X¡Z§{XZ R>odr g§H$brV Ho$boë`m AgyZ Ë`m§Zr Ho$boë`m
ghH$m`m©_wio g§ñWm àJVrnWmH$S>o doJmZo dmQ>Mmb H$arV Amho. gXa X¡Z§{XZ R>od à{V{ZYr H$[aVm g§ñWoZo Mobile App {dH${gV Ho$cm AgyZ
˶mÛmao H$co³eZ KoʶmV ¶oV Amho. VgoM ImVoXmamgmR>r SMS gw{dYm gwê$ Ho$cr Amho OoUoH$ê$Z ImVoXmam§Zm ˶m§À¶m ImVo ~m~VMr ‘m{hVr SMS
Ûmao ËdarV ‘mo~mB©c da CncãY Pmcocr Amho.
J«mhH$ godm
g§ñWoZo J«mhH$m§H$arVm A˶mYw{ZH$ gwIgmo¶r§¶wº$ bm°H$g© gw{dYm ‘w»¶ H$m¶m©b¶ ¶oWo gwé Ho$br Amho. RTGS/ NEFT, bm°H$a godm, gmoZo VmaU H$O©
[Link] CnbãY H$éZ {Xboë¶m AmhoV. g§ñWoÀ¶m dVrZo ^maV ~rc àUmcr Ûmao ^maVmVrc H$moUVohr MSEB Bill d BSNL Bill d BVa godm
emIm§‘ܶo ñdrH$maʶmV ¶oV Amho. ˶mH$[aVm g§ñWoZo R>mUo OZVm ghH$mar ~±H$ {c. ‘w§~B© ¶m§À¶m gmo~V H$ama Ho$cocm Amho.

dñVy godm H$a

Goods Service Tax (GST) - ^maV gaH$maZo Zì¶mZo cmJy Ho$coco (GST) A{Y{Z¶‘ cmJy Ho$coco AgyZ g§ñWoZo GST Zm|XUr Ho$cocr AgyZ Zm|XUr
H«$. 27AAAAM1930E1Z1 (‘hmamï´> amÁ¶) VgoM 08AAAAM1930E1Z1 (amOñWmZ amÁ¶)AgyZ g§ñWoZo ˶mMr nwU©nUo A‘§c~OmdUr Ho$cocr
Amho, ˶mMà‘mUo g§ñWoZo B§{S>¶Z AH$mD§$Q>tJ ñQ>°§S>S>© À¶m gd© {Z¶‘m§Mo V§VmoV§V nmcZ Ho$coco Amho.

8 ANNUAL REPORT-2022-23
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gm_m{OH$ H$m`© d {deof ‘hËdnwU© KS>m‘moS>r

1) lr. Mm§JmdQ>oœa ‘hmamO nmcIrg ñ[Link] ‘mcM§XOr amR>r ¶m§À¶m ñ‘aUmW© ‘[Link]‘Vr ‘¡Zm~mB© YZamOOr amR>r ¶m§À¶m hñVo
g§ñWoV’}$ OZaoQ>a ^oQ> XoʶmV Amcm.
2) g§ñWoZo 25 ì¶m am¡ß¶ ‘hmoËgdr dfm©{Z{‘Îm gd© emIm‘ܶo “ ‘rQ> A°ÊS> J«rQ / ñZoh{‘cZ ”> ¶m H$m¶©H«$‘mMo Am¶moOZ H$aʶmV Amco hmoVo
g§ñWoMo g^mgX, ImVoXma, R>odrXma {hVqMVH$ ¶m§À¶mer g§dmX gmYyZ g§ñWoÀ¶m H$m‘H$mO~m~VMo ˶m§Mo ‘V OmUyZ KoUo hoM C{Xð>o hmoVo d
Vo g§ñWoÀ¶m H$m¶m©~Ôc g‘mYmZr hmoVo.
3) X¡{ZH$ Zd^maV d¥ÎmnÌmV’}$ “amOñWmZ Jm¡ad nwañH$ma” H$g~m {dYmZg^oMo Am‘Xma ‘[Link]. aqdÐ Y§JoH$a ¶m§À¶m hñVo g§ñWoMo H$m¶©H$mar
g§MmcH$ [Link] YZamO amR>r ¶m§Zm XoʶmV Amcm ˶mdoir ‘mOr Am‘Xma ‘[Link].‘mohZ Omoer d BVa ‘mݶda CnpñWV hmoVo.
4) cmoH$‘V d¥ÎmnÌm V’}$ ’$m°a E³gcÝg² BZ H$mo-Am°nao{Q>ìh H$Sy>Z g§ñWocm n{hcm “INTERNATIONAL AWARDS DUBAI-2023” ¶m nwañH$mamZo
Xþ~B© ¶oWo Jm¡a{dʶmV Amco. g§ñWoV’}$ nwañH$ma ñdrH$maʶmgmR>r g§ñWoMo g{Md lr.‘JamO amR>r d gmo~V [Link]$Umc amR>r ho CnpñWV hmoVo.
5) X¡. gH$mi V’}$ “BRANDS OF MAHARASHTRA MAHABRAND SAKAL-2022” hm nwañH$ma g§ñWocm XoʶmV Amcm g§ñWoV’}$ g§ñWoMo g{Md
lr. ‘JamO amR>r ¶m§Zr hm nwañH$ma ñdrH$macm ˶m§À¶m g‘doV g§ñWoMo g§MmcH$ lr. lram‘ cmo{h¶m CnpñWV hmoVo.
6) g§ñWoMo g{Md lr. ‘JamO amR>r ¶m§Mr g‘ñV amOñWmZr g‘mO g§K À¶m àW‘ AܶjnXr {Z¶wº$s> H$aʶmV Amcr ¶mMr KmofUm g‘ñV
amOñWmZr g‘mOV’}$ H$aʶmV Amcr ˶mdoir ‘m. Am‘Xma ‘mYwar {‘gmi, ‘m. Am‘Xma aqdÐ Y§JoH$a d VgoM {d{dY g‘mOmMo
à{V{ZYr CnpñWV hmoVo.
7) ’o$S>aoeZ Am°’$ ‘pëQ>ñQ>oQ> H$mo-Am°n H«o${S>Q> gmogm¶Q>r {c. À¶m 6 dm dYm©nZ{XZm{Z{‘Îm “ghH$ma Jm¡ad gmohim” {eS>u ¶oWo Am¶mo{OV H$aʶmV
Amcm Amnë¶m g§ñWocm “gdm}ËH¥$ð> g§ñWm” ¶m nwañH$mamZo Jm¡a{dʶmV Amco ˶mdoir H$m¶©H«$‘mMo Aܶj ‘[Link].H$mH$m H$mo¶Q>o, H$m¶©H«$‘mMo à‘wI
nmhþUo ‘mOr aoëdo‘§Ìr [Link] à^w, amï´>r¶ ‘hm‘§Ìr ghH$ma ^maVr g§MmcH$ lr. CX¶ Omoer, [aPd© ~±H$ Am°’$ B§{S>¶mMo g§MmcH$ lr. g{Ve
‘amR>o ‘pëQ>ñQ>oQ> ’o$S>aoeZMo Aܶj lr gwaoe dm~io AmXr ‘mݶda CnpñWV hmoVo.
Am^ma d H¥$VkVm
gd© ^mJYmaH$m§Zr g§ñWoda XmI{dcoë¶m {dídmgm‘wio d {Xcoë¶m nmqR>ã¶m‘wioM Amnë¶m g§ñWoMr AmOdaMr àJVr e³¶ Pmcr; ImVoXmam§Mr
dmT>Vr g§»¶m hrM g§ñWoMr Iar VmH$V Amho Am{U ˶m§À¶m ghH$m¶m©‘wio hr àJVr gmYVm Amcr Amho ˶m~Ôc ImVoXmamàVr H¥$VkVm 춺$ H$aVmo.
_m. lr. H|$Ðr` ghH$ma {Z~§YH$ Zdr {X„r d Ë`m§Mo ghH$mar, _m. ghH$ma Am`wº$ Am{U ghH$ma {Z~§YH$ _hmamï´> amÁ` nwUo d _m.Om°B§Q> a{OñQ´>ma,
ghH$ma {d^mJ, amOñWmZ `m§Zr Ho$boë`m _mJ©Xe©Zm~Ôb Ë`m§Mo hm{X©H$ Am^ma. d¡Ym{ZH$ boIm n[ajH$ Am{U gd© AÝ` boIm n[ajH$m§Mo
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Mo Aܶj ‘m. lr. gwaoeOr dm~io `m§Mohr Ahdmb dfm©V Ho$boë`m ghH$m`m©~Ôb hm{X©H$ Am^ma. g§ñWoMo ñWmnZonmgyZ g§ñWog ì`dñWmnZ AmXr
H$m_m_Ü`o `mo½` Vo _XV d _mJ©Xe©Z Ho$ë`m~Ôb g§ñWoMo g„mJma, H$m¶Xo g„mJma, H$a g„mJma(CA) `m§Mohr _Z:nyd©H$ Am^ma VgoM g§ñWoÀ`m
{d{dY CnH«$_m§Zm VgoM `moOZm§Zm {d{dY dV©_mZnÌmVyZ à{gÕr XoUmè`m nÌH$ma ~§Yw ^{JZr `m§Mohr _Z:nwd©H$ Am^ma. g§ñWoMo AmYmañV§^
AgUmao gd© g^mgX, R>odrXma d gd© {hVqMVH$ `m§Zr ì`º$ Ho$bobm {dídmg d {Xboë`m ghH$m`© `m_wioM Ahdmb H$mimV g§MmbH$ _§S>i Mm§Jbo
^ard H$m`© H$é eH$bo Amåhr Ë`m gdmªMo F$Ur AmhmoV.
VgoM Ahdmb dfm©V g§MmbH$ _§S>img Ho$boë`m ghH$m`m©~Ôb g§ñWoMo pñdH¥$V Vk g§MmbH$ A°S>. í`m_ _mhoídar VgoM ‘w»¶
ì`dñWm{nH$m gm¡. _mYdr ^m|S>do, emIm ì`dñWm{nH$m lr‘Vr H$ënZm ImaJo, gm¡. b{bVm Mm¡Yar, gm¡. ñdénm nmQ>rc, gm¡. {dÚm {M„mi, gm¡.
ñdmVr MìhmU, gm¡. énmbr OmYd>, gm¡. JwUd§Vr ‘wio, lr. n§H$O YwV d gd© A{YH$mar d ñQ>m\$, X¡Z§{XZ R>od à{V{ZYr> `m§Mo _Z:nyd©H$$Am^ma
_mZyZ Ahdmb nyU© H$aVmo.
Q>rn…-g§MmbH$ _§S>imMm g§nyU© Ahdmb B§J«Or_Ü`o gmo~V {Xbm Amho d hm \$º$ Jmofdmam Amho. Amnbm H¥$nm{^bmfr
amOoe S>r. amR>r
YÝ`dmX ! H$m`©H$mar g§MmbH$

ANNUAL REPORT-2022-23 9
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BALANCE SHEET AS ON 31/03/2023

31 MARCH 2022 31 MARCH 2023
Rs. Ps. CAPITAL & LIABILITIES Rs. Ps.

10,00,00,000,00 Authorised Share Capital 10,00,00,000.00

10,00,000/- shares of Rs. 100/- each
2,99,35,300.00 Paid up Share Capital 3,02,98,400.00 3,02,98,400.00

23,21,31,149.34 Reserve & other Funds 21,17,33,476.54

1. General Reserve Fund 6,68,42,100.03
2. Revaluation Reserve A/c 3,96,20,194.00
3. Building Fund 5,56,65,008.00
4. Dividend Equilisation Fund 13,00,000.00
5. Bad & Doubtful Funds Provision 4,20,01,000.00
6. Members Welfare Fund 13,87,120.00
7. Staff Welfare Fund 12,57,859.26
8. Development Fund 22,07,031.56
9. Charity Fund 3,53,163.69
10. Silver Jubilee Funds 11,00,000.00
1,59,41,14,142.64 Deposit & Other Account 1,68,11,59,410.12
1. Reinvestment Deposit 1,00,49,86,923.00
2. Fixed Deposit 32,63,96,804.00
3. Saving Deposit 12,27,67,071.76
4. Recurring Deposit 6,32,95,865.00
5. Dhanrashi 2017 21,20,000.00
6. Dhanrashi Fixed Deposit 1,21,03,463.00
7. Dhansamrudhi Yojana 1,28,60,828.00
8. Anandi Fixed Deposit 98,25,143.00
9. Mahesh Pension Yojana 1,09,24,826.00
10. Balika Deposit Yojana 4,18,387.00
11. Mahesh Super Saving Account 4,57,43,604.04
12. Dhanrashi Dam Chaupat 19,36,126.00
13. Dhanrashi 2002 Scheme 33,96,849.00
14. Dhanrashi Dam Tippat 1,62,952.00
15. Security Deposit Payable 7,89,666.00
16. Mahesh Multi State Yojana 11,34,303.00
17. Matured Pigmy Deposit 6,07,561.10
18. Matured Recurring Deposit 4,33,420.22
19. Locker Deposit 47,71,000.00
20. Pigmy Deposit 5,64,84,618.00

1,85,61,80,591.98 Contd....on Next Page 1,92,31,91,286.66 1,92,31,91,286.66

DIRECTOR BOARD

¹ Adv. Shyam A. Maheshwari ¹ Mrs. Hema A. Bangad ¹ Mr. Manoharbharati N. Goswami

¹ Mr. Rajendra B. Laddha ¹ Mrs. Shyama R. Malpani ¹ Mr. Shriram J. Lohiya
¹ Mr. Mahesh C. Rathi ¹ Mrs. Savita B. Rathi ¹ Mr. Bhawarsingh K. Bhati
¹ Mr. Laxman K. Memane ¹ Mr. Bhagaram K. Meghwal

10 ANNUAL REPORT-2022-23
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BALANCE SHEET AS ON 31/03/2023

31 MARCH 2022 31 MARCH 2023
Rs. Ps. PROPERTIES & ASSETS Rs. Ps.

54,91,467.82 Cash Balance 83,82,116.78

1. Cash in Hand 83,82,116.78

7,15,92,781.24 Bank Balance 6,26,73,268.86

1. The Saraswat Sahakari Bank Ltd. (CFD) 2,14,374.36
2. The Shamrao Vitthal Co-Op Bank Ltd. 33,01,018.28
3. Mahesh Co-Op Bank Ltd. A/c 2579 14,68,352.11
4. IDBI Bank Ltd. 4,30,18,853.53
5. The Vishweshwar Sahakari Bank Ltd. 1,31,34,424.88
6. The Saraswat Sahakari Bank Ltd. 14,15,154.17
7. Thane Janta Sahkari Bank Ltd. 1,21,091.53

81,36,29,849.00 Investment in Bank 78,57,04,219.00

1. The Vishweshwar Sahakari Bank Ltd. 14,98,44,674.00
2. Mahesh Sahakari Bank Ltd. 10,17,78,534.00
3. Janata Sahakari Bank Ltd. 6,15,99,882.00
4. Thane Janta Sahkari Bank Ltd. 3,00,47,343.00
5. The Saraswat Sahakari Bank Ltd. 5,26,97,676.00
6. The Shamrao Vitthal Co-Op Bank Ltd. 13,99,48,696.00
7. NKGSB Bank Ltd. 11,57,68,334.00
8. The Cosmos Bank 13,40,19,080.00

35,250.00 Investment in Shares and Debentures 35,250.00

1. Maharashtra Rajya Sah. Pat. Federation 5,000.00
2. Pune Dist. Nagari Sah. Pat. Federation 250.00
3. Maharashtra State Dep. Gua. Corporation 10,000.00
4. P.D.C.C. Bank Shares 10,000.00
5. Federation of Multi-State [Link]. Cr. Society 10,000.00

89,07,49,348.06 Contd....on Next Page 85,67,94,854.64 85,67,94,854.64

For Mahesh Nagari Multi-State Co-op. Credit Soc. Ltd. As per our report of even dated
M/s. [Link] & Associates
Chartered Accountants
FRN NO.126235W

CA [Link] (Proprietor)
Memb. No. : 030838
(Statutory Auditor)
Mr. Magaraj M. Rathi Mr. Rajesh D. Rathi Mr. Pravin G. Bangad Place : Pune-30. Date : 31/05/2023
CEO/Secretary Managing Director Vice Chairman UDIN : 23030838BGWKFZ3404

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BALANCE SHEET AS ON 31/03/2023

31 MARCH 2022 31 MARCH 2023
Rs. Ps.
CAPITAL & LIABILITIES Rs. Ps.

1,85,61,80,591.98 Contd... Previous Page 1,92,31,91,286.66 1,92,31,91,286.66

2,41,901.00 Interest Payable to Pigmy Deposit - -

23,52,810.00 Other Liabilities 28,98,744.46

1. Audit Fees Payable (Govt. / Internal) 15,00,000.00
2. Provision For A.G.M. Expenses 5,27,000.00
3. Dividend 2,50,731.00
4. Provision for Electricity 40,000.00
5. Provision for Postage & Telephone 35,000.00
6. Provision for Staff Bonus 5,00,000.00
7. Suspense Account 46,013.46

1,38,11,191.55 Profit 1,47,85,328.40

1. Last Year Profit 2,55,539.99
2. Profit of Current Year 1,45,29,788.41

1,87,25,86,494.53 1,94,08,75,359.52 1,94,08,75,359.52

DIRECTOR BOARD

¹ Adv. Shyam A. Maheshwari ¹ Mrs. Hema A. Bangad ¹ Mr. Manoharbharati N. Goswami

¹ Mr. Rajendra B. Laddha ¹ Mrs. Shyama R. Malpani ¹ Mr. Shriram J. Lohiya
¹ Mr. Mahesh C. Rathi ¹ Mrs. Savita B. Rathi ¹ Mr. Bhawarsingh K. Bhati
¹ Mr. Laxman K. Memane ¹ Mr. Bhagaram K. Meghwal

12 ANNUAL REPORT-2022-23
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BALANCE SHEET AS ON 31/03/2023

31 MARCH 2022 31 MARCH 2023
Rs. Ps.
PROPERTIES & ASSETS Rs. Ps.

89,07,49,348.06 Contd... Previous Page 85,67,94,854.64 85,67,94,854.64

87,80,63,351.00 Loans and Advances 98,03,13,585.00
1. Loan Hypothecation 62,98,23,954.00
2. Loan Against Fixed Deposit 31,41,43,224.00
3. Gold Hypothecation Loan 2,38,16,722.00
4. Loan Against Pigmy Deposit 19,84,425.00
5. Loan Against Recurring Deposit 10,94,979.00
6. Loan Against Personal Sureties 15,17,874.00
7. Educational Loan 79,32,407.00
9,15,74,683.16 Fixed Assets 8,70,32,138.58
1. Revaluation A/c Building 3,96,20,194.00
2. Building & Premises 3,42,51,477.08
3. Dead Stock Furniture & Fixture 99,73,216.50
4. Vehicle 31,87,251.00

12,48,871.22 Other Assets 15,77,681.00

1. Printing Stationary Stock 6,46,761.00
2. Stationary (Liabrary Account) 38,820.00
3. Postpaid Expenses 8,92,100.00

21,58,878.30 Other Receivable Assets 14,09,350.30

1. Rasta Peth Branch Deposit 2,00,000.00
2. Sinhgad Road Branch Deposit 5,00,000.00
3. Tilak Road Branch Deposit 5,00,000.00
4. Jodhpur Branch Deposit 1,29,000.00
5. RNFI Services Pvt. Ltd. 76,350.30
6. RNFI Deposits 4,000.00

27,15,308.47 Goods Service Tax 33,36,346.00

1. Sgst Input Credit Account 16,57,663.00
2. Cgst Input Credit Account 16,78,683.00
60,76,054.32 TDS Tax 1,04,11,404.00
1. TDS Account 1,04,11,404.00

1,87,25,86,494.53 1,94,08,75,359.52 1,94,08,75,359.52

For Mahesh Nagari Multi-State Co-op. Credit Soc. Ltd. As per our report of even dated
M/s. [Link] & Associates
Chartered Accountants
FRN NO.126235W

CA [Link] (Proprietor)
Memb. No. : 030838
(Statutory Auditor)
Mr. Magaraj M. Rathi Mr. Rajesh D. Rathi Mr. Pravin G. Bangad Place : Pune-30. Date : 31/05/2023
CEO/Secretary Managing Director Vice Chairman UDIN : 23030838BGWKFZ3404

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PROFIT & LOSS A/C FOR THE YEAR ENDED 31/03/2023

31 MARCH 2022 31 MARCH 2023
Rs. Ps.
EXPENDITURE Rs. Ps.

9,64,95,822.00 Interest on Deposit, Borrowing etc. 9,62,84,926.00

1. Int. Paid on C.C. Account In Bank 3,61,011.00
2. Int. Paid on Saving Deposit 27,57,899.00
3. Int. Paid on Pigmy Deposit 7,77,680.00
4. Int. Paid on Recurring Deposit 51,09,641.00
5. Int. Paid on Fixed Deposit 8,72,78,695.00

2,21,75,179.00 Salaries Allowances & Provident Fund 2,58,03,044.20

1. Salary & Allowances 2,31,68,962.00
2. Maintenance Charges of Provident Fund 92,748.00
3. LIC Gratuity Contribution 1,28,076.00
4. Uniform Expenses 1,30,058.88
5. Bonus 7,38,027.32
6. Bank Contribution to Provident Fund 12,89,040.00
7. Security Services 2,56,132.00

65,23,189.60 Rent, Taxes, Insurance & Light etc. 58,75,529.96

1. Electricity & light Bill Exp. 7,84,893.00
2. Tax On Rent-Water/St. Duty of Agree 2,23,443.25
3. Insurance Premium 8,82,795.71
4. Professional Tax 2,500.00
5. Office Rent 39,81,898.00
69,59,346.02 Depreciations & Repairs Maintenance 69,84,230.74
1. Repairing & Painting 1,05,073.00
2. Dead Stock Maintenance & Rep. 16,61,731.42
3. Society Maintenance 48,550.00
4. Internet Website 20,383.00
5. Vehicle Maintenance 8,97,969.32
6. Depreciation on Dead Stock 42,34,377.00
7. Dead Stock Write Off 16,147.00

2,61,261.32 Stationary & Printing 6,09,255.40

1. Printing & Stationary 4,23,576.40
2. Diary & Calender Printing Exp. 1,85,679.00

13,24,14,797.94 Contd....on Next Page 13,55,56,986.30 13,55,56,986.30

DIRECTOR BOARD

¹ Adv. Shyam A. Maheshwari ¹ Mrs. Hema A. Bangad ¹ Mr. Manoharbharati N. Goswami

¹ Mr. Rajendra B. Laddha ¹ Mrs. Shyama R. Malpani ¹ Mr. Shriram J. Lohiya
¹ Mr. Mahesh C. Rathi ¹ Mrs. Savita B. Rathi ¹ Mr. Bhawarsingh K. Bhati
¹ Mr. Laxman K. Memane ¹ Mr. Bhagaram K. Meghwal

14 ANNUAL REPORT-2022-23
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PROFIT & LOSS A/C FOR THE YEAR ENDED 31/03/2023

31 MARCH 2022 31 MARCH 2023
Rs. Ps.
INCOME Rs. Ps.

4,68,87,971.00 Interest Received on Deposit 4,34,22,005.00

1. Interest Recd. on Bank F.D. 4,31,13,810.00
2. Interest Recd. From IDBI Bank 3,08,195.00

12,00,16,214.00 Interest Received Loans 12,94,26,059.00

1. Int. Recd. Against Hyp. 9,54,13,695.00
2. Int. Recd. Against Fixed Depo. Loans 3,12,67,652.00
3. Int. Recd. Against Gold Loan 17,43,199.00
4. Int. Recd. Against Pigmy Loan 2,57,205.00
5. Int. Recd. Against Recurring Loan 1,42,415.00
6. Int. Recd. Against Loan Sureties 1,69,486.00
7. Int. Recd. Against Education Loan 4,32,407.00

16,69,04,185.00 Contd....on Next Page 17,28,48,064.00 17,28,48,064.00

For Mahesh Nagari Multi-State Co-op. Credit Soc. Ltd. As per our report of even dated
M/s. [Link] & Associates
Chartered Accountants
FRN NO.126235W

CA [Link] (Proprietor)
Memb. No. : 030838
(Statutory Auditor)
Mr. Magaraj M. Rathi Mr. Rajesh D. Rathi Mr. Pravin G. Bangad Place : Pune-30. Date : 31/05/2023
CEO/Secretary Managing Director Vice Chairman UDIN : 23030838BGWKFZ3404

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PROFIT & LOSS A/C FOR THE YEAR ENDED 31/03/2023

31 MARCH 2022 31 MARCH 2023
Rs. Ps.
EXPENDITURE Rs. Ps.

13,24,14,797.94 Contd... Previous Page 13,55,56,986.30 13,55,56,986.30

49,156.70 Other Expenditure 2,74,903.52

1. Other Expenditure 1,69,591.52
2. Subscription 1,05,312.00
5,25,867.50 AGM & Ceremony Expenses 6,47,710.80
1. AGM Expenses 5,01,775.80
2. Ceremony Expenses 1,45,935.00

4,64,735.90 Legal & Court Expenses 8,51,603.40

1. Legal & Professional Fee 8,51,603.40

1,30,30,523.00 Bad & Doubtful Debts (Provision) 1,03,49,756.20

1. Bad & Doubtful Debts 1,03,49,756.20

7,44,964.95 Office Expenditure 5,18,652.11

1. Bank Charges Expenses 9 561.73
2. Covid Expenses 61 356.00
3. Office Expenses 4,47,734.38

30,54,919.37 Postage, Telephone & Commission 44,97,408.54

1. Postage & Telephone Charges 4,37,020.54
2. Pigmy Commission 39,59,388.00
3. Commission Paid 1,01,000.00

13,03,250.00 Audit Fess Paid 19,15,520.00

1. Audit Fess (Govt./Internal) 19,15,520.00

24,85,151.84 Advertisement Expenses 49,52,201.02

1. Advertisement Expenses 49,52,201.02

82,826.00 Traveling Expenses 1,02,362.12

1. Traveling Expenses 1,02,362.12

1,36,21,766.24 Profit 1,45,29,788.41

1. Profit of current year 1,45,29,788.41

16,77,77,959.44 17,41,96,892.42 17,41,96,892.42

DIRECTOR BOARD

¹ Adv. Shyam A. Maheshwari ¹ Mrs. Hema A. Bangad ¹ Mr. Manoharbharati N. Goswami

¹ Mr. Rajendra B. Laddha ¹ Mrs. Shyama R. Malpani ¹ Mr. Shriram J. Lohiya
¹ Mr. Mahesh C. Rathi ¹ Mrs. Savita B. Rathi ¹ Mr. Bhawarsingh K. Bhati
¹ Mr. Laxman K. Memane ¹ Mr. Bhagaram K. Meghwal

16 ANNUAL REPORT-2022-23
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PROFIT & LOSS A/C FOR THE YEAR ENDED 31/03/2023

31 MARCH 2022 31 MARCH 2023.
Rs. Ps.
INCOME Rs. Ps.

16,69,04,185.00 Contd... Previous Page 17,28,48,064.00 17,28,48,064.00

8,73,774.44 Other Income 13,48,828.42

1. Bank Charges 1,84,350.00
2. Other Income 12,567.00
3. Commission Recd. From TJSB (Bbps) 3566.34
4. Loan Recovery Charges. 4,00,000.00
5. Notice Charges Received 2,26,000.00
6. Passbook Charges 32,400.00
7. Late Fee 8,688.28
8. Loan Service Charges 3,11,338.00
9. Printing & Stationary 35,386.00
[Link] Recd. (A/c Closing) 1,34,532.80

16,77,77,959.44 17,41,96,892.42 17,41,96,892.42

For Mahesh Nagari Multi-State Co-op. Credit Soc. Ltd. As per our report of even dated
M/s. [Link] & Associates
Chartered Accountants
FRN NO.126235W

CA [Link] (Proprietor)
Memb. No. : 030838
(Statutory Auditor)
Mr. Magaraj M. Rathi Mr. Rajesh D. Rathi Mr. Pravin G. Bangad Place : Pune-30. Date : 31/05/2023
CEO/Secretary Managing Director Vice Chairman UDIN : 23030838BGWKFZ3404

ANNUAL REPORT-2022-23 17
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INDEPENDENT AUDITOR'S REPORT

(Under Section 70 of Multi state Co-operative Societies Act, 2002 and Rule 27(2) of
Multi state Co-operative Societies Rules 2002)
To Opinion
The Members, [Link] our opinion and to the best of our information and according to the
Mahesh Nagari Multi State [Link] Society Ltd. Pune. explanations given to us, the said accounts together with the notes
[Link].17/2 , Sukhsagar Nagar, Katraj, Pune- 411046. thereon give the information required as per The Multi state Co-Op.
Societies Act,2002 and The Multi state Co-Op. Societies Rules 2002, and
Report on the Financial Statements as a Statutory Auditor any other applicable Acts, and or circulars issued by the Registrar, in the
manner so required for the society gives a true and fair view subject to
[Link] have audited the accompanying financial statements of Mahesh General Remarks and in conformity with the accounting principles
Nagari Multi State Co-Op. Credit Society Ltd, Pune. which comprise the generally accepted in India:
Balance Sheet as at 31st March 2023 and the Statement of Profit and Loss (I) in the case of the Balance Sheet, of the state of affairs of the society as
for the year ended, and a summary of significant accounting policies and at 31st March 2023.
other explanatory information incorporated in these financial (ii) in the case of the Statement of Profit and Loss, of the Profit for the year
statements of the Society along with all Branches audited by us for the ended on that date; and
period 1st April 2022 to 31st March 2023.
Report on Other Legal and Regulatory Matters
Management's Responsibility for the Financial Statements
7. The Balance Sheet and the Profit and Loss Account have been drawn up
[Link] is responsible for the preparation of these financial in accordance with the provisions of The Multi state Co-Op. Societies
statements in accordance with Maharashtra Co-operative Societies Act, Act,2002 and The Multi state Co-Op. Societies Rules 2002.
1960 & Rules there under. This responsibility includes the design,
implementation and maintenance of internal control relevant to the [Link] report that :
preparation of the financial statements that are free from material
misstatement, whether due to fraud or error. (a) We have obtained all the information and explanations which, to the
best of our knowledge and belief, were necessary for the purpose of our
Auditor's Responsibility audit and have found them to be satisfactory.
(b) The transactions of the Society, which have come to our notice, have
[Link] responsibility is to express an opinion on these financial statements been within the powers of the Society.
based on our audit. We conducted our audit in accordance with the (c)The returns received from the offices and branches of the Society have
applicable Standards by The Institute of Chartered Accountants of India been found adequate for the purposes of our audit.
and under the MSCS Act 2002. Those Standards require that we comply
with ethical requirements and plan and perform the audit to obtain [Link] our opinion, the Balance Sheet and Profit and Loss Account comply
reasonable assurance about whether the financial statements are free with applicable Accounting Standards.
from material misstatement.
10. We further report that :
[Link] audit involves performing procedures to obtain audit evidence
about the amounts and disclosures in the financial statements. The (I) The Balance Sheet and Profit and Loss Account dealt with by this
procedures selected depend on the auditor's judgment, including the report, are in agreement with the books of account and the returns.
assessment of the risks of material misstatement of the financial (ii) In our opinion, proper books of account as required by law have been
statements, whether due to fraud or error. In making those risk kept by the Society so far as appears from our examination of these
assessments, the auditor considers internal control relevant to the books.
Society's preparation and fair presentation of the financial statements in (iii) The reports on the accounts of the branches audited by branch
order to design audit procedures that are appropriate in the auditors have been dealt with in preparing our report in the manner
circumstances. An audit also includes evaluating the appropriateness of considered necessary by us.
accounting policies used and the reasonableness of the accounting (iv) For the year under audit, the society has been awarded “A”
estimates made by management, as well as evaluating the overall classification.
presentation of the financial statements. M/s. [Link] & Associates
[Link] believe that the audit evidence we have obtained is sufficient and Chartered Accountants
appropriate to provide a basis for our audit opinion. FRN NO.126235W

CA [Link] (Proprietor)
Place : Pune-30. Memb. No. : 030838
Date: 31.05.2023. UDIN : 23030838BGWKFZ3404

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st
BUDGET FOR 31 MARCH 2024
EXPENDITURE RS. PS. INCOME RS. PS.
Int. paid on Deposit 13,50,00,000.00 Int. recd. on advances 13,00,00,000.00
Salary & allowances 2,65,00,000.00 [Link]. on Investments 6,50,00,000.00
Pigmy Agent Commission 40,00,000.00 Other Income 20,00,000.00
Office Rent 41,00,000.00
Insurance Premium 10,00,000.00
Postage & Tele. exp. 5,00,000.00
Audit Fees 20,00,000.00
Printing & Stationary 4,00,000.00
Advertisement exp. 25,00,000.00
Bank Commission & exp. 1,50,000.00
Ceremony exp. 5,00,000.00
Annual General Meeting exp. 2,00,000.00
Depreciations 45,00,000.00
Other expenditure 5,00,000.00
Profit 1,51,50,000.00
Total 19,70,00,000.00 Total 19,70,00,000.00

EXCESS BUDGET REPORT

EXPENDITURE BUDGETED EXPENDITURE ACTUAL EXPENDITURE EXCESS EXPENDITURE
2022-23 2022-23 2022-23

Advertisement 20,00,000.00 49,52,201.02 29,52,201.02

Salary 2,25,00,000.00 2,58,03,044.20 33,03,044.20

FINANCIAL FLOW Rs. in Crores

PARTICULAR 2020-2021 2021-2022 2022-2023
Paid up Share Capital 3,04,46,500.00 2,99,35,300.00 3,02,98,400.00
Reserve & other funds 22,44,46,462.81 23,21,31,149.34 21,17,33,476.54
Deposits 1,61,58,21,342.60 1,59,41,14,142.64 1,68,11,59,410.12
Loans 79,13,18,271.00 87,80,63,351.00 98,03,13,585.00
Cash & Investment 92,93,58,497.85 88,52,57,880.24 79,41,21,585.78
Working Capital 1,88,82,57,108.93 1,87,25,86,494.53 1,94,08,75,359.52
Profit 1,17,48,262.07 1,36,21,766.24 1,45,29,788.41
Members 4408 5257 6112
Staff 58 58 61
Dividend 9% 9% 9%
Audit Class 'A' 'A' 'A'

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g^mgXm§Zm {dZ§Vr
Amnë¶m nÌì¶dhmamÀ¶m n˶m‘ܶo H$mhr ~Xc Pmcm Agë¶mg ˶mMr XâVar Zm|X H$aʶmgmR>r Amdí¶H$ ˶m nwamì¶mgmo~V
(nmanÌ, dmhZ nadmZm, {ZdS>UyH$ AmoiInÌ, NREGA, Om°~ H$mS>©, AmYma g§»¶m§H$ Agë¶mMm nwamdm, n°ZH$mS>©, cmB©Q> {~c B.)
g§ñWog H$i{dʶmMr {dZ§Vr Amho. gd© g^mgXm§Zm {dZ§Vr H$aʶmV ¶oVo H$s, emg{H$¶ {Z¶‘m§Zwgma ImVoXmam§H$Sy>Z Amncm J«mhH$
AmoiIm (Zmo ¶wda H$ñQ>‘a KYC) ~m~VMr nyV©Vm H$ê$Z KoUo A{Zdm¶© Amho. ˶mnyV©VogmR>r g§ñWog Amdí¶H$ ghH$m¶© H$amdo.
REQUEST TO SHAREHOLDERS
Kindly intimate the change in your address along with documentary proof i.e. passport, Driving License, Voter ID,
NREGA Job Card, Proof of possession of Adhaar, Pan Card & Light Bill etc. Kindly also intimate youir mobile number and
E-mail ID.
As per Government Guidelines, it is mandatory to all account holders to comply with KYC (Know Your Customer)
norms. All Share holders are requested to co-operate for the same.

BANKERS
¹ IDBI Bank Ltd., Pune ¹ The Shamrao Vitthal Co-op Bank Ltd., Pune
¹ The Saraswat Bank Ltd., Pune ¹ Janta Sahakari Bank Ltd., Pune
¹ Thane Janta Sahakari Bank Ltd. ¹ The Vishweshwar Sahakari Bank Ltd. Pune
¹ Mahesh Sahakari Bank Ltd., Pune ¹ NKGSB Bank Ltd. Pune
¹ Cosmos Sahakari Bank Ltd., Pune

PIGMY AGENTS
Mr. Sachin S. Lohiya Mr. Vikas G. Rathi Mrs. Anuradha R. Laddha
Mr. Shyam G. Bangad Mr. Prakash M. Daga Mrs. Sarika P. Nangare
Mr. Jasaraj M. Gandhi Mr. Ramakisan R. Malpani Mrs. Asha G. Kalase
Mr. Santosh S. Navghane Mr. Shivling B. Pawar Smt. Manisha A. Yewale
Mr. Suresh J. Sharma Mr. Sourabh S. Totla Mrs. Nidhi P. Jaju
Mr. Rajendra K. Rana Mr. Vishal P. Katke Mrs. Jyoti P. Rana

Mr. Mayur J. Suryawanshi Mr. Chetan A. Jagtap Mrs. Radha P. Bora

Office Working Hours

Sunday to Friday
10.00 a.m. To 1.00 p.m. & 2.00 p.m. To 5.00 p.m.
SATURDAY CLOSED

20 ANNUAL REPORT-2022-23
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ANNUAL REPORT-2022-23
 Reg. No.: MSCS / CR / 360 / 2010
Head Office :- S. No. 17/2, Sukhsagar Nagar, Katraj, Pune - 411 046. (Maharashtra)
Ph. No.: 020-26961119, 26962225 Mob. 9372344076

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YݶdmX!

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BRANCHES

Sukhsagar Nagar S. No. 17/2, Sukhsagar Nagar, Katraj, Pune - 411 046. Ph. : 020-26961171, 26961471.
Tilak Road Sadashiv Peth, Near Maharashtra Mandal, Tilak Road, Pune - 411 030. Ph. : 020-24476189, 24492510.
Sinhgad Road Subhadra Smruti, S. No. 33/14, Kudale Baug, Vadgaon Bk. Sinhgad Road, Pune - 411 051. Ph. : 020-24355842, 24355843.
Satara Road 688/B/1, Plot No. 6, Mahesh Chambers, Near Nexa Showroom, Satara Road, Pune - 411 037. Ph. : 020-24228150, 24228151.
Rasta Peth Shop No.3, 347 Shram Safalya Building,15 August Chowk, Somwar Peth, Pune - 411011 Ph. : 020-26132030 / 26132303
Jodhpur (Raj.) Shop No.3, Mahavir Plaza, Opp Excide Energy Systems, 11/A Pal Road, Jodhpur (Rajasthan) Ph. : 0291-2772171 / 09351095324

Email : enquiry@[Link] WWW. [Link]