APSFC Annual Report 2014 Final 27-8-14 Low Res

Corporate Governance
T.S. Appa Rao, IAS (Retd.)
J.S.V. Prasad, IAS
V. Sridhar
Satish Madhusudan Karambelkar
MD Azeezuddin
Koteswara Rao SSR
Chairman
General Manager, SIDBI, Mumbai
Sr. Divisional Manager, LIC of India
K. Harish Chandra Prasad

Industrialist
58th Annual Report 2013 - 2014
Managing Director
General Manager, SIDBI, Hyderabad
Chartered Accountant
K. Narasimha Murthy
Cost & Management Consultant
M. B. N. Rao
Former CMD,
Indian Bank & Canara Bank
Executive Director
Chief General Manager
Andhra Pradesh State Financial Corporation
Assistant General Managers
Deputy General Managers
General
Managers
Dr. PS Rajeswara Prasad
E. Chengalrayulu
K. Rambabu
G. Kishore Babu
N. Prasada Rao
T.S.N. Raja
K. S. Rao
Ch. Anil Kumar
T. Swarnalatha
SK. Ghouse Basha
R. Prabhakar Goud
Ts. Sudhakar
D. Suresam
K. Hari Babu
R. Satrughna Sarma
P Ramakrishna Reddy
P. S. Satyanarayana
A. Nagaiah
G. Venkateswara Rao
M. Chandra Prakash
P. Seshadri Shekhar
V.P. Arun Mohzi
M. Ramalingam
P.S.S. Sekharudu
K.M.K. Prasad
Y.N. Rajendra Kumar
I. Ramachandra Rao
58th
Annual Ramsingh
Report 2013 - 2014
Rathod
Contents
Chairmans Statement .............................................................................
From Managing Directors Desk ..............................................................
Notice to Shareholders ............................................................................
11
Directors Report .....................................................................................
13
Annual Accounts and Financial Statements

Auditors Report ..............................................................................
31
Balance Sheet .................................................................................
33
Profit & Loss Account .......................................................................
34
Schedules .......................................................................................
36
Cash Flow Statement .......................................................................
55
Business, Sources and Uses of Funds ................................................
56
Details of Bonds Maturity .........................................................................
59
Tables on Corporate Performance ............................................................
63
Chairmans Statement
Dear Shareholders,
APSFCs performance during the Financial Year
2013-14 demonstrated its ability to respond to the
challenges posed by slowdown in the economy
outflows and pressure on the exchange rate, but

strong policy measures stabilized the currency, rebuilt
reserves, and narrowed the excessive current account
deficit.
and its impact on the industry. As Chairman of the
Weaknesses remain, however, and include persistent
Corporation, I am privileged to report yet another
inflation, fiscal imbalances, bottlenecks to investment
satisfactory performance of the Corporation in spite
and inefficiencies that require structural reforms.
of the Administrative uncertainties prevailing before

and after the decision to Re-organise the State. The
Corporation continued to maintain its lead position
in the Key Result Areas of Sanctions, Disbursements
and Recoveries among all SFCs in the Country for the
13th year in succession.
Economy
The economic slowdown bottomed out last year. A
spell of global financial turbulence caused capital
The governments initial estimates peg the growth

in GDP at 4.9% in Fiscal Year 2013. The marginal
pickup in headline GDP growth masks underlying
weakness in the economy as it was due to stronger
agriculture. The economic downturn of recent years
appears to have calmed, and with new stable
Government at Centre and the policy initiatives
taken by the Government, GDP growth in FY2014 is
expected to go upward by 5.4% to 5.9% on improved
performance in industry and services. However, there
Rs.40.14 crore during current year, after making
is the threat of escalation of conflict in Iraq with its
necessary provisions towards taxation, provision for
likely impact on fuel prices and inflation. Another
NPAs etc.
major concern is the monsoon. As we all know that

Economies operate in cycles, let us hope that the
Economy would surge ahead overcoming these and
other hurdles.
The Capital Adequacy Ratio [CAR] stood at 13.26%,

average cost of borrowings stood at 9.77% as at
31.03.2014. The net NPAs have gone upto Rs.135.14
crore as on 31.03.2014 from Rs.88.99 crore as on
The year just concluded saw the State bifurcated into
31.03.2013.
two. Industrial and Business activity was affected due
bring down the NPAs during 2014-15 by improving
to prolonged political uncertainty and unrest. The
recoveries.
performance of the banking sector was adversely

affected and your Corporation is no exception to it.
The re-organisation process is continuing during the
current financial year also and may have impact on
the performance of the Corporation.
organising the Corporation consequent upon

bifurcation of the state.
The Board of Directors with diverse and rich
During the Financial Year 2013-14, the Corporation

Rs.1315.34
The Corporation has initiated the process of Re-
Management
Performance
sanctioned
The Corporation is determined to
crore
and
disbursed
Rs.882.76 crore as against Rs.1430.12 crore and
experience have laid down clear cut policies and

guidelines and guided the Management for proper
and effective implementation.
Rs.951.41 crore respectively during the previous
The Managing Director, Sri T.Satyanarayana Rao,
financial year 2012-13. The lower performance is
IAS., has steered the Corporation successfully during
due to uncertainties prevailed in the state on account
the period of uncertainty.
of Re-organisation and APSFC concentrated on

consolidation and was selective in lending to projects.
I take this opportunity to extend my gratitude to my

colleagues on the Board for their excellent support
The Corporation achieved all time high recoveries
and look forward for their valuable support in the
of Rs.1076.44 crore in FY 2013-14 compared to
years to come.
Rs.988.99 crore achieved during the previous year.
Employees
During the Current Financial year 2013-14, the
Corporation earned an operating profit of Rs.93.58
I am proud to commend the extraordinary efforts
crore against Rs.98.10 crore earned in the previous
of the Senior Officers and employees of the
year. The Corporation has earned a net profit of
Corporation for delivering the Organisational goals.
Their commitment, professionalism and team work
Acknowledgement
in serving the customers has lent an identity to the

Corporation.
I am grateful for the support of the Government of

Andhra Pradesh and Small Industries Development
Outlook
In the backdrop of bifurcation of State into Two
States, the ongoing and coming years are expected to
Bank of India. I convey my gratitude to the Union

Government, Reserve Bank of India and Commercial
Banks for their continued support and guidance.
open up lot of opportunities for both Telangana and
I express my gratitude to the Shareholders of the
Andhra Pradesh States. The Central Governments
Corporation for the trust reposed on the Corporation.
announcement of special package to the residuary

State of Andhra Pradesh is expected to spur industrial
I am thankful to our esteemed customers for their
activity in that State. The Corporation has strong
continued patronage and support.
presence in Telangana State and will continue to

retain the same.
I would like to propose a special thanks to the

previous Managing Director, Sri T.Satyanarayana
We will continue to strive hard for achieving the
Rao, IAS., for his focused efforts for achieving the
organisational goals by implementing customer
organisational goals and the team of Officers and
centric schemes, concentrating thrust areas in MSME
staff of the Corporation.
sector, identifying emerging sectors and meeting

customer requirements.
T.S. APPA RAO

CHAIRMAN
From Managing Directors Desk
During the FY 2014 despite the adverse market
The principal collections stood at Rs.668.14
conditions prevailing in the economy in general
crore against the previous year collections of
and Andhra Pradesh in particular, the Corporation
Rs.619.31 crore.
recorded a decent performance in key result areas of

sanction, disbursement and recoveries.
crore from Rs.369.68 crore during the previous

year. The operating profit stood at Rs.93.58
The performance during the period

under report are as under:
t
crore against Rs.98.10 crore. The net profit

stood at Rs.40.14 crore against Rs.63.35
crore in the previous year.
The loan portfolio registered a year on year

growth of 6.50%.
The interest income increased to Rs.408.30
The
Corporation
managed
its
funds
position
The Corporation Sanctioned Rs.1315.34 crore
successfully during the current financial year even
against Rs.1430.12 crore in the previous year.
though SIDBI reduced its refinance support by limiting
The disbursements clocked at Rs.882.76 crore

as against Rs.951.41 crore in in the previous
year.
the refinance amount to Rs.184.30 crore during

the FY 2014, being 50% of the refinance amount
repaid by the Corporation. The Corporation raised
Non-SLR Bonds amounting to Rs.208.00 crore at a
2014 has enabled the Corporation to retain the
competitive coupon rates. In order to meet the gap,
Number One position among all SFCs in the country
the Corporation raised funds from commercial banks
for the thirteenth year in a row.
to an extent of Rs.418.00 crore.
The Corporation is examining the challenges and
The loan portfolio registered growth in absolute
opportunities in the wake of bifurcation of the State.
terms to Rs.2926.77 crore as on 31.03.2014 from
To bring comprehensive reforms and make the
Rs.2748.19 crore as on 31.03.2013. The net NPAs
Corporation vibrant to face the emerging challenges
increased to 4.83% as on 31.03.2014 against 3.34%
and perform well we have hired the services of Indian
in the previous year due to increased assets in sub-
Institute of Management (Bengaluru) to assess the
standard category. Action plan is being drawn to
current situation and suggest the way forward. The
contain NPAs.
Corporation is in the process of reorganisation for
The Corporations net worth improved to Rs.445.11

crore as on 31.03.2014 from Rs.433.39 crore as on
31.03.2013 registering a growth of 2.70%. While
the increased provisioning requirements, have led
to marginal dip in Capital Adequacy Ratio(CAR), the
CAR now stands at 13.26% as against requirement
creating a separate State Corporation for the State

of Telangana with approval of Government of India
in terms of the Andhra Pradesh State Reorganisation
Act, 2014. I am sure that the Corporations will work
hard towards achieving the set goals in the coming
years.
of 9% CAR.
10
The performance in key result areas of sanctions,
J.S.V. PRASAD
disbursements and recoveries during Financial Year
MANAGING DIRECTOR
NOTICE TO SHARE HOLDERS

It is hereby notified that the 58th Annual General Meeting of the Shareholders of ANDHRA PRADESH STATE
FINANCIAL CORPORATION will be held at 11.00 a.m., on Saturday the 26th July, 2014, at the Head
Office of the Corporation, 5-9-194, Chirag Ali Lane, Hyderabad-500 001, Andhra Pradesh, to transact the
following business:
1)
To receive, consider and adopt the Balance Sheet as at 31st March, 2014 and the
Profit and Loss Account for the year ended 31st March, 2014, together with the
Report of the Board of Directors and the Report of the Auditors.
2)
To declare dividend on equity shares.
For and on behalf of the Board

Sd/MANAGING DIRECTOR
Place: Hyderabad
Date: 02.07.2014.
N.B.:
1. The Share Transfer Book and Register of members of the Corporation will be closed from Thursday, July 10,
2014 to Saturday, July 26,2014 (both days inclusive). Shareholders are requested to intimate the Corporation
the change of address, if any, immediately.
2. The Board of Directors have recommended a dividend of 2% (Rs.2 per equity share) on paid up equity share
capital for the financial year 2013-14.
3. A member entitled to attend and vote at the Meeting is entitled to appoint a proxy to attend and vote instead
of himself/herself, but a proxy so appointed shall not have any right to speak at the meeting. The proxy form,
duly stamped and executed, must reach the Chief General Manager(F&A), Head Office of the Corporation not
less than two clear days before the date fixed for the Meeting.
4. The list of shareholders is available at the Head Office of the Corporation for purchase at Rs.50/- per copy.
11
12
DIRECTORS REPORT
Monetary conditions have remained broadly
Dear Shareholders,
Your Directors have great pleasure in presenting
the 58th Annual Report of the Corporation
together with the Audited Accounts for the year
ended 31st March, 2014.
supportive in advanced economies, but more

so in the United States than in the euro area
or Japan. Policy rates remain close to the zero
lower bound, but they are expected to raise
beginning in 2015. Credit to the non-financial
I. ECONOMIC SCENARIO
private sector in the euro area has continued to

decline, reflecting tight lending standards and
1. GLOBAL ECONOMY
weak demand.
Growth in advanced economies is projected
to strengthen moderately during 201415,
2. INDIAN ECONOMY
building up momentum from the gains in 2013.
The Indian Economy underwent a challenging
World Bank in its latest report (April, 2014)
phase during the financial year 2013-14
lowered its forecast for developing countries,
entangled by subdued domestic growth and
now eying growth at 4.8 percent this year, down
inflationary pressures. Thus, the economic
from its January estimate of 5.3 per cent. Signs
landscape created certain uncertainties and risks
point to strengthening in 2015 and 2016 to 5.4
in the investment arena. While the Government
and 5.5 per cent, respectively.

In emerging and developing
Asia, growth is expected to rise
to 5.7 percent in 2015, helped
by stronger external demand
and weaker currencies. Among
emerging market economies,
growth is projected to remain
robust
in
emerging
and
developing Asia and to recover

somewhat in Latin America and
the Caribbean.
TYCHE Die Castings, Ranga Reddy District
13
As per the CRISIL Ratings

round up report, downgrades
continued to outnumber the
upgrades
during
2013-14
reflecting unrelenting pressure

on credit quality of Corporate
India.
The present sluggish
business environment coupled

with power problem has lowered
the revenues and profitability of
Mateez Laboratories, Visakhapatnam District
SMEs. They have been affected

more than large companies
of India and Reserve Bank of India, in the wake
and have become highly vulnerable to the
of difficult macro economic situation, initiated
business cycles. SMEs being the most important
several corrective steps to propel the economic
segment of economy accounting for 45% of
growth, the desired results could not be achieved.
manufacturing output, 40% of exports and around
The industrial sector was impacted due to supply

constraints, weak demand scenario besides high
cost of credit. Even though, the manufacturing
sector was under-performing since financial
year 2011-12, it recorded an average negative
the Credit Portfolio of the Financial Institutions/

Banks and your Corporation is no exception.
The loan delinquencies have been considerably
higher as compared to the previous year.
growth rate so far. During this year, the service
There are positive signs in the direction of
sector also recorded a lowest growth rate of the
improvement in domestic business climate
last decade.
and confidence after General Elections. The
Consequent to the subdued industrial activity

and weak performance of Corporate Sector
credit growth was impacted. Further, prolonged
slow down strongly affected the asset quality of
the Financial Institutions/Banks which lead to
significant increase in restructuring of assets.
14
15% of GDP, their underperformance affected
conducive macros may lift the capital productivity

which in turn will take GDP growth to 6-6.5%
levels as per the estimates by CRISIL but for
the ELNINO phenomenon. It is expected that
credit quality pressures have bottomed out
and improvement will now be gradual due to
recovery of economy.
is also working out a demerger plan in tune with
3. STATE ECONOMY
Natural
resources,
policy
incentives
and
infrastructure in the state are favourably suited

for investments in major sectors such as drugs
and pharmaceuticals, biotechnology, IT and ITes,
mines and minerals, textiles, leather and tourism.
Andhra Pradesh is one of the foremost states to
have developed sector-specific policies. Forming
the A.P. Re-organisation Act.
II. REVIEW OF OPERATIONS

1. Sanctions and Disbursements
During
the
Corporation
current
Financial
sanctioned
Year,
Rs.1315.34
the
crore
against Rs.1430.12 crore in the previous year.
industrial clusters and developing infrastructure,

such as biotech parks, textile parks, leather
parks, auto parks, fab city and hardware parks,
has been the states key strategy to attract
investments in various industries.
Coming to the business environment in the
State of undivided Andhra Pradesh, the growth
was affected due to power cuts, Seemandhra
agitation etc. Uncertainty was prevailing and
investors largely followed wait and see policy.
Therefore desired business volumes could not be
achieved. Further, due to the adverse business
climate, asset quality also got affected leading to
Disbursements clocked at Rs.882.76 crore in

the current financial year as against Rs.951.41
crore during previous year.
higher provisions and prudential write offs.
2. Recovery Performance
Now that the uncertainty chapter is closed
During 2013-14, the Corporation continued its
consequent on bifurcation of the State into
efforts in the recovery front. The total recoveries
Andhra Pradesh and Telangana, there are good
grew to Rs.1076.44 crore from Rs.988.99
prospects for growth of the business in the two
crore during the previous year.
States in view of the focused approach by the
collections during the year stood at Rs.668.14
newly elected Governments. Your Corporation
crore as against Rs.619.31 crore in the previous
The Principal
15
3. Lead Position
During the year under review,

the
Corporation
continued
its lead position among its

peers in the Country. With
the good
performance in all
the key operational areas of

Sanctions, Disbursements and
Recoveries,
the
Corporation
is likely to retain its NUMBER

Asian Multiplex, Warangal District
ONE position among all SFCs

in the country for the thirteenth
year and interest income rose to Rs.408.30 crore
year in a row.
during the current financial year from Rs.369.68

crore during the previous year.
Though
the
Corporations
4. Credit Flow Analysis
performance
is
MSME sector being the backbone to the
affected in the key operational areas of sanctions,
Industrialization of the country, has been a thrust
disbursements and recoveries during the FY
area of both State and Central Governments.
2013-14, considering the adverse conditions
In line with the policy of the Government, the
prevailing in the economy, the results achieved
Corporation has been focusing credit delivery
by the Corporation are satisfactory.
to this segment.
During the year, the bulk
of sanctions and disbursements were shared

together by micro and small enterprises,
which accounted for 72.80% and 51.31% of
the total sanctions and disbursements of the
Corporation respectively. In terms of absolute
amounts, Rs.74.98 crore were sanctioned to
Micro enterprises, Rs.882.58 crore to units in
Small Enterprises, Rs.230.76 crore to Medium
Enterprises and Rs.127.01 crore to others. In
16
respect of disbursements, Micro enterprises

account for Rs.65.46 crore, Small Enterprises
account for Rs.632.95 crore, Medium Enterprises
account for Rs.127.51 crore, and others account
for Rs.56.84
crore, during the year under
review.
The net profit has come down due to increased

provision for Non-performing assets, employee
benefits and write off of amounts over and above
the statutory requirement.
2. Income & Expenditure
The total income of the Corporation during

2013-14 grew by 10.22% to Rs.453.40 crore
III. FINANCIAL PERFORMANCE

1. Profitability
from Rs.411.36 crore in 2012-13, while interest

income stood at Rs.408.30 crore as against
Rs.369.67 crore in 2012-13 recording a growth
The Corporation has earned a net profit of
of 10.45%, other income was Rs.45.10 crore
Rs.40.14 crore during current year, after making
during 2013-14 as against Rs.41.69 crore
necessary provisions towards taxation, NPAs etc.
during the previous year. The growth in interest
17
3. Net worth
The net worth of the Corporation

improved to Rs.445.11 crore as
on 31.03.2014 from Rs.433.39
crore
as
on
31.03.2013,
registering a growth of 2.70%.

4. Capital Adequacy Ratio (CAR)
The Core Capital Adequacy

Ratio at the end of FY 2013Shubham Function Hall, Nagole, Ranga Reddy District
14 stood at 13.26% as against

14.51% as on 31.03.2013
income was mainly due to increase in the loan
against 9% CAR stipulated by RBI for commercial
portfolio. Increase in other income is on account
banks. The supplementary Capital Adequacy
of increased income from Treasury operation and
Ratio stood at 17.43% as on 31.03.2014 as
interest on Fixed Deposits. During 2013-14, the
against 15.10% as on 31.03.2013. The Slight
total expenditure increased to Rs.359.82 crore
decrease in Capital Adequacy Ratio is due
from Rs.313.27 crore in the previous year. The
to increase in the risk weighted assets, which
increase in the total expenditure was on account
moved up by 12.42% to Rs.3356.89 crore as
of increased write off of bad debts during the
on 31.03.2014 from Rs.2985.95 crore as on
year and interest payment. The interest expenses
31.03.2013 as a consequence of enhanced
grew by 16.43% due to repayment of low cost
loans and advances. The Reserves & Surpluses
borrowings and increased cost of borrowings
rose from Rs.235.68 crore to Rs.508.71 crore in
on Term Loans form banks. The borrowing cost
the current financial year due to revaluation of
increased from Rs.202.33 crore in 2012-13 to
fixed assets and retained earnings.
Rs.235.59 crore in 2013-14.
The operating
expenses were slightly increased to Rs.59.61
5. Expanded Loan Portfolio
crore in the year 2013-14 from Rs.57.10 crore
The total loan portfolio has expended to
during the year 2012-13.
Rs.2926.77 crore as on 31.03.2014 from

Rs.2748.19 crore as on 31.03.2013, reflecting
18
a year-on-year growth of 6.50%. The total loans
market insurance products of LIC of India and
and advances, net of NPA provision, grew by
United India Insurance Company Ltd., during the
5.31% to Rs.2817.88 crore in the year 2013-14
year. During 2013-14 the Corporation earned
as against Rs.2675.73 crore in the year 2012-13.
commission from distribution of insurance
6. The per employee business performance

in the key parameters in 2013-14 vis--vis
products at Rs.40.68 lakh against
Rs.37.54
lakhs in the previous year.
IV. RESOURCE MANAGEMENT
2012-13 is as under
(` Lakhs)
Performance Indicator
2013-14
2012-13
Per employee sanctions
326.39
347.12
Per employee
Disbursements
219.05
216.88
Per employee Recovery
267.11
225.44
Per employee net profit
9.96
15.38
23.22
23.81
Per employee operating

profit
1. Resource Mobilization
The
aggregate
resources
raised
by
the
Corporation during the year stood at Rs.810.30

crore. The Corporation availed term loans from
Commercial Banks aggregating to Rs.418.00
crore. The Corporation issued Non-SLR Bonds
during the year aggregating to Rs.208.00 crore
and availed Rs.184.30 crore by way of Refinance
7. Treasury Investments
from SIDBI.
During 2013-14, the Corporation continued to

invest short term surplus funds
in Fixed Deposits with various
Banks
and
mutual
funds
approved by the Board, duly

balancing the liquidity position.
During 2013-14, the income
from Treasury operations was
Rs.969.41
lakh
as
against
Rs.775.30 lakh in 2012-13.

8. Non-Fund Based Activities
The Corporation continued to
EQIC Dies & Moulds, Ranga Reddy District
19
installments, Rs.225.86 crore

was repaid towards Term Loans
of Commercial Banks.
3. Increase in Borrowing Costs
During
2013-14,
Corporation
has
the
repaid
borrowings of Rs.150.00 crore

carrying lower interest rates
ranging between 6.00% and
7.50% to SIDBI.
Rajaram Garments, Hyderabad
SIDBI with a view to limit its exposure to
fresh borrowings from Commercial Bank were
SFCs, has been substantially reducing the
raised at higher rate which led to increase the
Refinance assistance to the Corporation from
weighted average cost of borrowings to 9.77%
2012 onwards.
in 2013-14 from 9.36% in the previous year.
In order to meet the gap,
the Corporation availed term loans from

Commercial Banks. The term loans availed are
Rs.150.00 crore from Canara Bank, Rs.90.00
V. QUALITY INITIATIVES
1. Asset Quality
crore from Bank of India, Rs.55.00 crore from
Standard assets had gone up by 3.71% to
South Indian Bank, Rs.43.00 crore from Union
Rs.2682.74 crore in 2013-14 from Rs.2586.73
Bank of India, Rs.40.00 crore from Corporation
crore as on 31.03.2013, which worked out to
Bank, Rs.30.00 crore form Bank of Maharashtra,
91.66% of the gross loans and advances. The
and Rs.10.00 crore from Andhra Bank.
Sub-Standard assets and assets in Doubtful
2. Resource Deployment
During the year, the Corporation has maintained

its on dot repayment track record by meeting
all the principal and interest commitments to
all its lenders.
The Corporation has repaid
Rs.368.61 crore to SIDBI towards LOC/Refinance
20
Further the
category-1 have gone up to Rs.198.73 crore

from Rs.130.87 crore and Rs.45.30 crore from
Rs.30.58 crore respectively. The gross NPAs have
gone up to Rs.244.03 crore as on 31.03.2014
from Rs.161.46 crore as
on 31.03.2013.
The increase in NPAs is mainly on account of

adverse market conditions prevailing in the
State.
The Corporation has
made additional provisions of

Rs.14.72 crore towards 100%
of the net outstanding of the
Doubtful-I assets. Additional
provision of Rs.21.71 crore
was also made towards 20%
of the net outstanding in Substandard asset.
2. NPA Management
XXX Soaps, Guntur District
The Corporation has conducted

NPA Review meetings at periodical intervals during
2013-14 under the Chairmanship of the
Managing Director besides recovery reviews
at Weekly Departmental Review meetings.
The Corporation also conducted Special OTS
Campaigns for settlement of NPA accounts.
During the year, the Corporation has restructured
102 deserving loan accounts involving an
outstanding amount of Rs.283.40 crore.
3. Asset Liability Management
The Asset Liability Management Committee

(ALCO) chaired by the Managing Director met
four times during the year and reviewed structural
liquidity, interest rate sensitivity analysis, monthly
cash budgets, funding options, tax implications
etc. during the year. The cash flows were
managed satisfactorily.
4. Human Resources Initiatives
As on 31.03.2014, the Corporation had staff

strength of 405. The Officers are from various
disciplines such as management, engineering,
chartered
accountancy,
cost
accountancy,
company secretary, legal etc.

The Corporation has conducted 5 in-house
training
at
programmes
APCOB
Training
for
new
College,
recruitees
Hyderabad.
21
VI. BUSINESS INITIATIVES

1.
Business
Development
Campaigns
During
2013-14,
the
Corporation with a view to

provide faster services, build
relationship
and
encourage
new entrepreneurs in the very

beginning of the financial
year
Rank Silicon, Ranga Reddy District
conducted Development
Campaigns
at
Hyderabad,
Conducted training programme on Upgraded IT
Vijayawada, Rajahmundry, Visakhapatnam and
Applications to the Officers of the Corporation at
Tirupati. The campaigns drew good response
Hyderabad, wherein 212 staff members of the
from the existing as well as new entrepreneurs.
Corporation have attended. The Corporation

also gave induction training programme for
newly recruited employees.
The Corporation
has also sponsored 30 Officers for 9 external

training programmes conducted by reputed
The
Corporation
also
conducted
Mini-
Development campaigns at potential Mandals

of each district to widen the customer base.
2. Tie-up with APCOB
institutes like ICAI, ICWAI, RBI College of
The Corporation has entered into a Memorandum
Agriculture
HRD
of Understanding with Andhra Pradesh State Co-
Institute etc., covering topics like Cost & Risk
operative Bank [APCOB] Limited for extending
Management, Accounting Standards, Service
Cash Credit Limits to the assisted units of the
Tax, etc. The Corporation also sponsored an
Corporation.
Banking,
IDRBT,
Dr.MCR
Officer for an Overseas Training Programme.

The Corporation continued to extend counselling
VII. DIVIDEND
services to the students of Professional colleges
The Board of the Directors of the Corporation
and 36 students were benefited during 2013-14.
recommended a dividend of 2% on paid up

equity share capital (PY 7.50%) to the share
holders for the FY 2014.
22
The out go on account of dividend including
for the past 13 successive years and aim for a
dividend Distribution Tax works out to Rs.3.85
significant place in MSME lending in the State of
crores (PY Rs.14.45 crores).
Andhra Pradesh.
VIII. OUTLOOK
IX. STATUTORY AND AGS AUDIT
The Corporation continued to hold on its
The AGs audit team completed the audit of
business volumes during 2013-14 despite the
Annual Accounts of the Corporation for the year
adverse market conditions and disturbance in
2012-13.
the State prevailed during the most part of the
Bank of India under Sec. 37(1) of SFCs Act,
year under review.
the Corportion appointed M/s.G.S. Madhava
The Corporation will focus on enhancing the

business substantially and thereby improve the
profitability in the current year. In this direction,
the Corporation has set a business target of
Rs.1600 crore sanction for the financial year
2014-15.
The business strategy will be on
identifying niche areas of business, enhance

client base with accretion of new customers
by
encouraging
entrepreneurship,
reach the existing customers
and
As recommended by the Reserve
Rao & Co., Hyderabad, as Statutory Auditors,

to conduct the audit of the books of account
of the Corporation for the F.Y.2013-14.
The
auditors have completed the statutory audit for

the financial year 2013-14.
X. CORPORATE GOVERNANCE
PRACTICE
The Corporation has put in good Corporate
Governance Practices in place. The Corporation
through business development

campaigns.
During
2014-15,
the
Corporation will strive to improve

the operational and financial
parameters, reducing Net NPAs
to below 4% and retaining its
bench mark status of NUMBER
ONE position among all the
SFCs in the country, a position
Hotel Daspalla, Hyderabad
the Corporation is enjoying

23
Audit Committee
The Corporation, in order to ensure good

corporate governance practices in its functioning,
has put in place an Audit Committee.
The
members of the Committee are experienced

professionals in the fields of finance and
industry.
Sri
K.Narsimha
Murthy,
of the Corporation is the Chairman,
Director
Sri. K.
Harishchandra Prasad and Sri S.S.R. Koteswara

Rao were members of the Audit Committee. The
Committee, which met four times during the year
2013-14, reviewed various aspects of internal
and external audit reports, performance of
branches, accounting policies, SIDBI Inspection
Report, annual financial statements including
profit & loss account and balance sheet etc.
GS Alloy Castings Limited, Krishna District
has
adopted
credibility,
cardinal
accountability,
principles
such
transparency
as
and
independency in decision making.
XI. BOARD OF DIRECTORS

1. Chairman
Sri T. S. Appa Rao, IAS (Retd.), was re-nominated
The Board of the Corporation meets regularly
as a Director and non-executive Chairman of the
and monitors the performance, issues guidelines
Corporation by Small Industries Development
and reviews various aspects such as loan policy,
Bank of India (SIDBI) for a further period of 2
recovery policy, exposure limits, business plans,
years ie. till 18.04.2016.
performance in key result areas of operations,
2. Managing Director
overall assessment of financial position actuals
24
vis--vis approved budgets, and other policy
Sri T. Satyanarayana Rao, IAS, was appointed
matters besides
loan sanctions
as the Managing Director of the Corporation by
beyond delegated powers of other sanctioning
the Government of Andhra Pradesh with effect
authorities.
from 07.01.2012 and continued as Managing
according
Director during the year 2013-14.
Corporation with effect from 27.04.2013;
The
Government of Andhra Pradesh appointed Sri

J.S.V. Prasad, IAS, as Managing Director [FAC]
(iii)
Sri MD Azeezuddin, Senior Divisional

Manager, LIC of India, Secunderabad
with effect from 01.04.2014, consequent to the
Division, was nominated by Life Insurance
retirement of Sri T. Satyanarayana Rao, IAS, on
Corporation of India Limited in place of
attaining the superannuation.
Sri Uday Kumar Navani, Senior Divisional
The Board places on record its appreciation for
Manager, LIC of India, Secunderabad
the services rendered by Sri T. Satyanarayana
Division, with effect from 12.06.2013.
Rao, IAS.
(iv)
Sri
Koteswara
Rao,
SSR,
was
Chartered
Director by the Shareholders of the
nominated
by
Small
Industries
Manager, SIDBI, Hyderabad, with effect
Corporation with effect from 27.04.2013;
Director was unanimously elected as
Karambelkar,
in place of Sri S. Mallikarjun, General
as Director by the Shareholders of the
Sri K. Harish Chandra Prasad, Industrialist,
Madhusudan
Development Bank of India [SIDBI],
Accountant, was unanimously elected
(ii)
Satish
General Manager, SIDBI, Hyderabad,
3. Changes in the constitution of the Board
(i)
Sri
from 28.06.2013;
(v)
Sri V. Sridhar, General Manager, SIDBI,

Mumbai,
was
nominated
by
Small
Multiplex Restaurant, Warangal District
25
S.V. Industry, Hyderabad
Industries Development Bank of India,
(vi)
(vii)
Sri K. Pattabhi Seetharama Rao, Chartered
in place of Sri R.P. Malik, Chief General
Accountant and Industrialist, nominated
Manager, SIDBI, Mumbai, with effect from
by the Government of Andhra Pradesh,
05.08.2013;
retired on 08.09.2013 on completion of

tenure;
Sri K. Jagadish Prasad, Industrialist,

Director elected by the Shareholders,
The Board places on record its appreciation
for the services rendered by the outgoing
tenure;
Directors.
Sri C. Rajendra Prasad, Industrialist,
XII.
Director elected by the Shareholders,

tenure;
(viii) Dr. Rajat Kumar, IAS, Commissioner of
Industries, nominated by the Government
of Andhra Pradesh, retired on 13.09.2013
on completion of tenure;
26
(ix)
ACKNOWLEDGEMENTS
The Board is grateful to the Government of

Andhra Pradesh for the support and excellent
guidance extended at the need of the hour.
The Board is also grateful to the SIDBI for the
continuous support and guidance extended.
The Board expresses its gratitude to Government
of India and the Reserve Bank of India for their
The Board
The Board expresses its sincere thanks to the
expresses thanks for APIIC Ltd., APCOB, Andhra
valued customers, for their continued patronage
Bank, Bank of India, Bank of Maharashtra,
& support.
valuable support and guidance.
Canara Bank, Corporation Bank, State Bank

of Hyderabad, Syndicate Bank, Ing Vysya Bank
Ltd., IDBI Bank Ltd., ICICI Bank Ltd., HDFC Bank
Ltd., The Karur Vysya Bank, Axis Bank, South
India Bank, Union Bank of India, LIC of India
and United India Insurance Company Ltd., for
their continued cooperation and support.
The
Board
acknowledges
the
high
level
commitment and dedication of the Managing

Director, Officers and Staff of the Corporation.
Their hard work, professionalism has enabled
the Corporation to achieve good results and
retain its Number One Position among all SFCs
in the Country for 13th year in a row.
The Board places on record the valuable support

and guidance, received from the Industries &
Commerce Department, the Public Enterprises
Department, Commissionerate of Industries and
other Development Corporations/Organisations
of Andhra Pradesh Government.
The Board expresses its profuse gratitude to
the shareholders of the Corporation for their
For and on behalf of the Board

J.S.V. Prasad
MANAGING DIRECTOR
Place : Hyderabad
Date : 02.07.2014
confirmed trust and unflinching support all the

times.
27
28
58th Annual Report

2013 - 14
Annual Accounts
and
Financial Statements
29
30
Auditors Report
To,
The Members of
Report on the Financial Statements
We have audited the accompanied financial statements of Andhra Pradesh State Financial Corporation (the
Corporation), which comprise the Balance Sheet as at 31st March 2014, Profit and Loss Account and the
Cash Flow Statement for the year then ended, and a summary of the significant accounting policies and other
explanatory information.
Managements Responsibility for the Financial Statements
Management is responsible for the preparation of these financial statements that give a true and fair view of
the financial position, financial performance of the Corporation in accordance with the form of Annexure C and
D of the regulation 87 of the Andhra Pradesh State Financial Corporation General Regulations 2004 framed
as per Section 48 of State Financial Corporations Act 1951 (the Act). This responsibility includes the design,
implementation and maintenance of internal control relevant to the preparation and presentation of the financial
statements that give a true and fair view and are free from material misstatement, whether due to fraud or error.
Auditors Responsibility
Our responsibility is to express an opinion on these financial statements based on our audit. We conducted our
audit in accordance with the Standards on Auditing issued by the Institute of Chartered Accountants of India.
Those Standards require that we comply with the ethical requirements and plan and perform the audit to obtain
reasonable assurance about whether the financial statements are free from material misstatement.
An audit involves performing procedures to obtain audit evidence about the amounts and the disclosures in
the financial statements. The procedures selected depend on the auditors judgment, including the assessment
of the risks of material misstatement of the financial statements, whether due to fraud or error. In making
those risk assessments, the auditor considers the internal control relevant to the Corporations preparation
and fair presentation of the financial statements in order to design audit procedures that are appropriate
in the circumstances. An audit also includes evaluating the appropriateness of accounting policies used and
the reasonableness of the accounting estimates made by the Management, as well as evaluating the overall
presentation of the financial statements.
We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our
audit opinion.
31
Opinion
In our opinion and to the best of our information and according to the explanations given to us, the financial
statements give the information required by the Act in the manner so required and give a true and fair view in
conformity with the accounting principles generally accepted in India:
(a)
in the case of the Balance Sheet, of the state of affairs of the Corporation as at 31st March, 2014;
(b)
in the case of the Profit and Loss Account, of the profit of the Corporation for the year ended on that date,
and
(c)
in the case of the Cash Flow Statement, of the cash flows of the Corporation for the year ended on that
date.
Report on Other Legal and Regulatory Requirements

1. As required by the section 37 of the Act, 1951, we report that:
(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 audit;
(b)
in our opinion proper books of accounts as required by the Act have been kept by the Corporation so far
as appears from our examination of those books
(c)
the Balance Sheet, Profit and Loss account dealt with by this report are in agreement with the books of
accounts
(d)
in our opinion, the Balance Sheet, Profit and Loss account comply with the form of Annexure C and D of
the regulation 87 of the Andhra Pradesh State Financial Corporation General Regulations, 2004 framed
as per Section 48 of the Act;
(e)
In our opinion Corporation has complied with provisions of section 7 and 8 of the State Financial
Corporation Act, 1951 as amended by SFC (Amendment) Act, 2000, regarding borrowings and deposits.
for G S Madhava Rao & Co

Chartered Accountants
FRN: 001907S
SVS Bhaskara Krishna

Place : Hyderabad
Date : 2nd July, 2014
32
Partner
M.No: 209539
Balance Sheet as at 31st March, 2014

(` in lakhs)
Schedule
2014
2013
Capital and Liabilities :

Share Capital
20600.99
20600.99
Loans Pending Conversion to Share Capital
1334.00
1334.00
Reserve Fund and Other Reserves
50870.81
23567.62
Borrowings
275432.61
257466.70
Current Liabilities & Provisions
19404.48
24722.91
367642.89
327692.22
TOTA L:
Property and Assets :
Cash & Bank Balances
27623.75
24708.38
Investments
4705.69
7759.63
Loans & Advances (Net of NPAs provision)
281788.09
267572.52
Fixed Assets
40935.81
15086.93
Other Assets
12589.55
12564.76
367642.89
327692.22
TOTA L:
Accounting Policies
Notes on Accounts
Note : The Schedules referred to above form an integral part of the Balance Sheet
As per our Report of Even Date
for G.S. Madhava Rao & Co.
(Registration No. 001907S)
S.V.S. Bhaskara Krishna
Partner
M.No.209539
T.S. Appa Rao

Chairman
J.S.V. Prasad
Managing Director
K. Narasimha Murthy
Director
Place : Hyderabad
33
Profit and Loss Account for the year ended 31st March, 2014
(` in lakhs)
Current
Previous
Year
Year
40829.86
36967.63
4509.73
4168.59
45339.59
41136.22
Schedule
Income :
Interest on Loans & Advances
Other Income
K
TOTA L:
Expenditure :
Interest and other Financial Expenses
23558.89
20232.73
Personnel Expenses
5239.81
5060.61
Administrative Expenses
721.35
649.00
Depreciation
361.45
185.60
6100.27
5198.76
35981.77
31326.70
9357.82
9809.52
Bad Debts written off

TOTA L:
Operating Profit c/f
Contd. in next page

Partner
M.No.209539
T.S. Appa Rao

Chairman
J.S.V. Prasad
Managing Director
K. Narasimha Murthy
Director
Place : Hyderabad
34
Contd. from previous page :

Schedule
Operating Profit b/f
Current
(` in lakhs)
Previous
Year
Year
9357.82
9809.52
22.88
0.00
(198.59)
(134.59)
0.00
107.79
9182.11
9782.72
1385.80
0.00
44.66
0.00
1987.78
2530.61
176.33
181.52
1184.97
506.06
388.46
229.34
5168.00
3447.53
4014.11
6335.19
Add :
Income tax provision for earlier years written back
Deferred Tax Asset (DTA)
Excess Provision for MGD written back
Profit before provisions
Less :
Provision for Non-Performing Assets
Provision for erosion in the value of investments
Provision for Income tax
Provision for incentive to employees
Provision for retirement benefits of employees
Provision against Standard Assets
Net Profit carried to P&L appropriation a/c
C1
Partner
M.No.209539
T.S. Appa Rao

Chairman
J.S.V. Prasad
Managing Director
K. Narasimha Murthy
Director
Place : Hyderabad
35
Schedule A
(` in lakhs)
31.03.2014
31.03.2013
50000.00
50000.00
Share Capital :
Authorised :
50000000 Ordinary Shares of Rs. 100/- each
Issued,subscribed and Paid up:
a. 16505074 Ordinary Shares (Previous year
16505.07
16505.07
32.83
32.83
16505074 shares) of Rs. 100/- each fully paid

Less: Surrendered Share Capital pending re-issue
16472.24
16472.24
3016.00
3016.00
19488.24
19488.24
1112.75
1112.75
20600.99
20600.99
b. 3016000 Ordinary Shares (Previous year 3016000)

of Rs. 100/- each fully paid up - Pending allotment
c. 1112750 Shares of Rs. 100/- each fully

paid (issued under Sec. 4A(1) of the
SFCs Act as Special Class of Shares)
TOTA L:
Schedule B
(` in lakhs)
Loans Pending conversion to Share Capital :
31.03.2014
31.03.2013
Loan Pending Conversion to Share Capital
946.00
946.00
Loan Pending Conversion to Special Share Capital
388.00
388.00
1334.00
1334.00
TOTA L:
36
Schedule C
Reserve Fund and Other Reserves :
(` in lakhs)
31.03.2014
31.03.2013
53.40
53.40
250.00
250.00
7900.41
6597.21
d. Revaluation Reserve (on Land & Buildings)
27643.31
1711.35
e. Profit and Loss Account balance
15023.69
14955.66
50870.81
23567.62
a. Reserve Fund (under Sec.35 of SFCs Act,1951)

b. Special Reserve Fund (u/s.35A of SFCs Act,1951)
c. Reserve (U/s.36(1)(viii) of I.T.Act,1961)
TOTA L:
Schedule C1
Current Year
(` in lakhs)
Previous
Year
Profit and Loss Appropriation Account :

Net Profit carried from Profit & Loss Account
4014.11
6335.19
Less: Transfer to Reserve U/s.36(1)(viii) of I.T.Act,1961
1303.20
1521.27
Balance
2710.91
4813.92
385.43
1445.38
0.00
987.02
14955.66
14049.77
17281.14
16431.29
2257.45
1475.63
15023.69
14955.66
Less:
Proposed Dividend and dividend tax
Minimum guaranteed dividend to SIDBI and other
shareholders
Add: Profit brought forward from Previous Balance Sheet
Less:
Additional Provision on Sub-std and Doubtful-1 assets
Balance carried to Schedule C
37
Schedule D
(` in lakhs)
31.03.2014
31.03.2013
Borrowings :
1.
Non-SLR Bonds (Guaranteed by Govt. of A.P.)

8.50%
Series - II 2008
10320.00
12900.00
9.00%
Series - III 2008
10000.00
10000.00
8.35%
Series - IV 2010
12100.00
12100.00
9.48%
Series - V 2012
20000.00
20000.00
9.15%
Series - VI 2013
32000.00
32000.00
9.75%
Series - VII 2014
5800.00
0.00
9.85%
Series - VIII 2014
15000.00
0.00
105220.00
87000.00
94031.59
112462.69
94031.59
112462.69
74554.89
55336.18
1626.13
2667.83
275432.61
257466.70
Sub-total
2.
Small Industries Development Bank of India (SIDBI)

Refinance U/s 7(5) of the SFCs Act,1951
Sub-total
3.
Term Loans from Banks
4.
Fixed Deposits
TOTA L:
38
Schedule E
(` in lakhs)
31.03.2014
31.03.2013
67.77
64.18
370.00
290.97
40.00
3.17
5.41
2005.12
53.61
53.84
1684.37
1612.76
Current Liabilities & Provisions :

A.
B.
Current Liabilities :
1.
Earnest Money Deposit (Sec.29)
2.
Down payment (Inter-se Transfer/Sec.29)
3.
Partys share of initial investment
4.
Borrowings from bank (SOD)
5.
Seed capital assistance
6.
Sundry Deposits
7.
Dividend Subvention Fund
114.09
114.09
8.
Deposit for service charges
206.30
185.84
9.
Accrued interest on Borrowings
1663.40
1867.31
10.
Outstanding expenses
226.98
651.83
11.
Proposed dividend
329.44
1235.42
12.
Other Liabilities
3983.28
4610.41
8744.65
12694.94
Provisions :
1.
Provision for Income-tax
7379.18
8151.53
2.
Contingent Provision against Standard Assets
1491.00
1102.54
3.
Provision for retirement benefits of employees
1589.65
2573.90
4.
Provision for incentive to employees
200.00
200.00
10659.83
12027.97
19404.48
24722.91
TOTA L:
39
Schedule F
Cash and Bank Balances :
a.
Cash and Cheques on hand
b.
Balances with Banks :
(` in lakhs)
i)
Reserve Bank of India
ii)
SBI & Other Scheduled Banks
iii)
Short Term Deposits with Banks
Less : Book overdraft

TOTA L:
31.03.2014
31.03.2013
4400.81
4280.42
1.19
1.19
5548.30
6901.41
20873.61
16571.65
30823.91
27754.67
3200.16
3046.29
27623.75
24708.38
Schedule G
Investments :
(` in lakhs)
31.03.2014
31.03.2013
2.25
2.25
b. Equity Shares fully paid
13.37
13.38
ii)
Other equity shares fully paid
81.55
81.55
iii)
Investment of Special Share Capital

4.53
4.53
4664.23
7673.50
4765.93
7775.21
60.24
15.58
4705.69
7759.63
Investments held for Maturity :

i)
Shares acquired pursuant to underwriting

agreements under sec.25(1)(c) of the
SFCs Act, 1951
a. Non-redeemable Preference Shares fully paid
under Sec.4A(1) of the SFCs Act, 1951

in Redeemable Preference Shares fully paidup.
Treasury Investments :
- Short term investments in liquid funds
Less :
Provision for diminution in value of shares
TOTA L:
40
Schedule H
Loans and Advances :
(` in lakhs)
31.03.2014
31.03.2013
173496.87
158130.31
479.90
407.33
Classification of Loans and Advances

on purpose-wise basis :
a.
General Loans
b.
Transport Loans
c.
Loans under Good Entrepreneurs Scheme
21313.38
25735.43
d.
Working Capital Term Loans
65736.39
62865.52
e.
Loans under Marketing Assistance Scheme
27761.01
24349.51
288787.55
271488.10
3785.98
3276.20
103.92
54.32
292677.45
274818.62
10889.36
7246.10
281788.09
267572.52
Add
i)
Interest Accrued on Standard Assets
ii)
Other Expenses - Loanee Accounts
Less: Provision against Non Performing Assets

TOTA L:
41
42
PARTICULARS
11.00
12.87
12.87
4.72
8.15
185.60
361.45
361.45
14.03
7.41
92.31
2.03
245.67
1984.28
2332.86
2332.86
310.74
33.25
1048.64
15.55
924.68
15086.93
40935.81
726.41
40209.40
109.85
49.17
69.87
11.53
2775.86
15054.56
15086.93
1697.00
13389.93
93.53
45.10
90.76
13.56
514.02
Cost of Land for development includes Rs.5.93 lakhs (P.Y. Rs.5.97 lakhs) of land development expenditure incurred during the year.
1809.68
1984.28
1984.28
301.43
33.99
956.33
13.52
679.01
3)
17071.21
43268.67
726.41
25931.96 42542.26
420.59
82.42
1118.51
27.08
3700.54
9591.41
1337.05
1704.50
Land & Buildings were revalued during 2002-03 at Rs.1978.45 lakhs based on valuation certificates of registered valuers resulting in an increase of
Rs.1711.35 lakhs in the Gross Block of Fixed Assets and the same is transferred to revaluation reserve during that year. Land and Buildings are reavalued
again during the current year based on the valuation certiificates of registered Valuers and additional revaluation reserve is created to the extent of
Rs.25931.96 lacs and depreciation is charged on the revalued amounts.
11.07
986.64
970.59
16.05
5.00
11.05
0.00
1377.73
22560.00
4840.00
9793.12
2)
218.04
1252.14
0.00
1252.14
30.63
14.38
71.42
0.00
0.00
4840.00
9793.12
12963.38 22560.00
3502.23
8088.62
Gross Block of Buildings as on 31.03.2014 includes an amount of Rs.30.25 lakhs (Original cost - Rs.19.83 lakhs) on leasehold land.
16864.24
17071.21
1697.00
15374.21
394.96
79.09
1047.09
27.08
1129.78
5.21
0.72
0.00
1)
Notes to the schedule :
Previous year figures
TOTAL
Buildings under construction
TOTAL
7 Furniture & Fixtures,

Electrical installations
and Office Equipment.
6 Motor Vehicles
5 Computer Equipment
4 Lifts
1193.03
9591.41
Lease hold
3 Buildings
1337.05
1704.50
NET BLOCK
(` in lakhs)
For the
Up to
As at
As at
year 31.03.2014 31.03.2014 31.03.2013
DEPRECIATION
Additions
As at
Up to
due to
Deductions
31.03.2014 31.03.2013
revaluation
GROSS BLOCK
As at
Deductions/
Additions
31.03.2013
adjustments
Freehold
2 Land For Development:
1 Land - Freehold
S.
No.
Fixed Assets :
Schedule I
Schedule J
Other Assets :
(` in lakhs)
31.03.2014
31.03.2013
Loans & Advances to Staff
953.33
1077.63
Accrued interest
588.12
531.20
70.29
21.66
Deferred Tax Asset
608.30
806.89
Stock of Stationery
9.19
8.75
21.36
21.36
87.76
107.44
979.20
896.00
8764.37
8685.93
57.47
55.37
450.16
352.53
12589.55
12564.76
Other receivables
Disbursements under self employment

scheme receivable from Government
Margin Money to SC/ST reimbursable from Govt of A.P
Deferred Guarantee Commission
Income tax and Advance tax
Deposits
Other Current Assets
TOTA L:
Schedule K
Other Income :
(` in lakhs)
2013-14
2012-13
1835.75
1817.84
Service charges
625.81
654.84
Upfront Fee/ Commitment Charges
327.18
411.16
Sale of Application Forms
5.95
7.37
Dividend on Shares
2.43
1.82
Dividend on investments in liquid funds
317.33
443.37
Interest on Bank Deposits
652.08
331.93
Interest on Staff advances
188.77
52.45
Premium on pre-mature closure of Accounts
181.42
142.26
Profit on sale of investments
9.25
21.44
Profit on sale of assets
3.71
4.69
40.68
37.54
319.37
241.88
4509.73
4168.59
Bad Debts written-off recovered/written back
Commission on Insurance
Rent received & Other income
TOTA L:
43
Schedule L
Interest and other Financial Expenses :
(` in lakhs)
2013-14
2012-13
8856.19
9905.51
0.00
206.27
Interest on Non-SLR Bonds
7886.98
5187.94
Interest on borrowings from Banks & others
6028.57
4363.86
70.95
70.95
177.47
291.71
Service charges to SIDBI on Seed Capital
1.08
1.05
Brokerage on Fixed Deposits
0.08
0.03
124.80
104.00
9.16
0.00
403.61
101.41
23558.89
20232.73
Interest on Borrowings from SIDBI

Interest on SLR Bonds
Interest on Loan Pending Conversion to Share Capital

Interest on Fixed Deposits
Guarantee Commission to Govt. of A.P.

Service tax paid
Other financial / Service charges
TOTA L:
Schedule M
Personnel Expenses :
(` in lakhs)
Head of Account
2013-14
2012-13
20.58
17.29
4618.14
4393.11
0.28
0.29
89.23
135.95
357.75
364.12
Contribution to Leave Encashment - MD
4.86
0.00
Contribution to pension -MD
7.23
0.00
Gratuity (including contribution to Group Gratuity Scheme)
34.12
37.44
Leave Travel Concession
26.94
22.51
Staff Training Expenses
7.45
4.53
Staff recruitment expenses
0.00
13.62
73.23
71.75
5239.81
5060.61
Salaries and Allowances :

a. Managing Director
b. Others
Medical Expenses :
a. Managing Director
b. Others
Contribution to Provident Fund
Staff Welfare Expenses

TOTA L:
44
Schedule N
Administrative Expenses :
(` in lakhs)
Head of Account
2013-14
2012-13
i) Managing Director
1.37
0.91
ii) Directors
2.60
4.93
79.98
66.97
Sitting Fees to Directors
2.33
2.27
Rent,Taxes & Insurance
68.12
66.35
Postage,Telegrams & Telephones
54.03
58.33
Motor Car Expenses
115.82
100.94
Printing & Stationery
37.84
32.52
Publicity & Advertisement
1.32
3.49
Books, Periodicals & Newspapers
2.13
2.25
67.91
50.70
161.32
129.65
Building Maintenance Expenses
7.67
10.68
Bank Charges & Commission
6.41
7.02
i) Audit fees
2.76
2.13
ii) Tax Audit Fee
0.59
0.43
iii) Expenses
1.56
2.35
Legal Charges
1.18
2.38
Professional & Consultancy charges
4.84
14.45
61.75
50.21
Board Meetings/AGM Expenses
2.91
3.11
Membership fees/Subscriptions to institutions
1.02
0.97
Loss on sale of assets
0.18
0.00
35.71
35.96
721.35
649.00
Travelling Expenses :
iii) Others
Repairs & Maintenance of office equipment & assets

Office Maintenance Expenses
Remuneration to Auditors :
Power charges
Other Expenses
TOTA L:
45
Schedule O
Significant Accounting Policies
General
1.
The Financial Statements have been prepared under the historical cost convention, (other than
revalued land & buildings), by following the going concern concept. These Financial Statements are in
accordance with the accounting principles Generally Accepted in India and conform to the prevailing
statutory provisions of the State Financial Corporations Act, 1951, and other provisions, unless otherwise
stated.
2.
Method of Accounting
The financial statements are prepared on Accrual basis.
3.
Revenue Recognition.
Income and expenditure are accounted on accrual basis. In the case of Non-Performing Assets and
investments, the income is recognized to the extent of realization in accordance with norms prescribed by
SIDBI.
4.
Fixed assets, except land and buildings which are revalued, are stated at their original cost, less
depreciation, comprising of the purchase price and attributable cost of bringing the asset to working
condition for its intended use.
5.
Depreciation is provided on the written down value method at the rates prescribed under the Income
Tax Rules, 1962.
6.
Investments are stated at Purchase Price less provision, for erosion in the value of investment made, in
accordance with the guidelines prescribed by SIDBI.
7.
Loans & Advances - Provision / Write off

(i)
Provision against loans classified as Standard Assets and Non-Performing Assets, is made
in accordance with the guidelines on asset classification and provisioning prescribed for State
Financial Corporations by SIDBI.
(ii)
Assets classified as Loss, Doubtful-3 and Doubtful-2 are fully written off.
iii)
50% of Assets in Doubtful-1 category are written off, unit-wise/ age-wise which remained in
Doubtful-1 Category for longer period.
46
8.
Provision for Income Tax

Provision for Income Tax is made in accordance with the provisions of the Income Tax Act, 1961 applicable
for the year.
9.
Appropriation of recoveries
Amounts received from borrowers is first appropriated to recover Other Expenses incurred on their behalf,
thereafter to Interest and lastly to Principal, except in regard to units sold U/s.29 of the SFCs Act, 1951,
where, sale proceeds received are first appropriated to Other Expenses, thereafter to Principal and lastly
to Interest.
Receipts under One Time Settlement Scheme (OTS) are appropriated against the crystallized liability as
per the OTS approval, in the order of, Other Expenses, Interest and Principal.
10.
Retirement Benefits
Liability for gratuity and leave encashment (defined benefits) is determined and provided for on the basis
of actuarial valuations at the year end.

Partner
M.No.209539
T.S. Appa Rao

Chairman
J.S.V. Prasad
Managing Director
K. Narasimha Murthy
Director
Place : Hyderabad
47
Schedule - P
Notes on Accounts
1.
Share Capital
The Corporation has received an Equity Contribution of Rs.10879.00 lakhs from Government of Andhra
Pradesh by way of land of Ac 271-39 guntas at Gajularamaram, Qutubullapur Mandal, Rangareddy
district. (Ac.33-11 guntas of land by way of alienation and Ac.238-28 guntas of land by way of 99 years
lease, both at Rs.40.00 lakhs per acre during the year 2007-08). Out of the total Equity Contribution of
Rs.10879.00 lakhs, the Corporation has allotted and issued Shares to the extent of Rs.7863.00 lakhs in
respect of Ac.196-23 guntas of land demarcated and the balance amount of Rs.3016.00 lakhs was kept
as Share Capital Pending Allotment for want of completion of demarcation of balance of the land.
2.
Asset Classification and Provisioning

The contingent provision for Standard Assets is 0.25% on Assets covered under Micro and Small Enterprises
(MSEs), 1.00% on Assets covered under Commercial Real Estate and 0.40% on others. The general
provisioning for Sub-Standard is 15%, for Doubtful-1 at 25%, Doubtful-2 at 40%, for Doubtful-3 and Loss
at 100%.
The asset classification and provisioning is made in accordance with the guidelines issued by SIDBI.
The provisioning requirement as per guidelines against Standard Assets and non-performing assets is
provided in the Profit & Loss Account. An additional provision to the tune of Rs.2257.45 lakhs has been
made from the appropriation account to cover 20% of the net Sub Standard Assets and at 100% on the
Net Doubtful-1 Assets over and above the mandatory requirement as buffer recycling provision. The
assets classified under Doubtful-2, Doubtful-3 and Loss categories are fully written off and the assets
classified under DBT-1 category are written off to the extent of 50% unit wise in the order of age wise
arrears.
48
The asset category wise details of the outstanding loans as on 31.03.2014 and provision made are as follows:
(` in lakhs)
Asset
Current Year 2013-14
Category
Gross
Provision
Previous Year 2012-13
Net
Gross
Provision
Net
Standard
264488.50
1466.55
263021.95
255396.92
1086.52
254310.40
Int.in Std.
3785.98
24.45
3761.53
3276.20
16.02
3260.18
268274.48
1491.00
266783.48
258673.12
1102.54
257570.58
19872.96
2980.94
16892.02
13087.35
1963.10
11124.25
Doubtful-1
4530.01
1132.50
3397.51
3058.15
764.54
2293.61
Doubtful-2
0.00
0.00
0.00
0.00
0.00
0.00
Doubtful-3
0.00
0.00
0.00
0.00
0.00
0.00
Loss
0.00
0.00
0.00
0.00
0.00
0.00
NPA-Assets
24402.97
4113.44
20289.53
16145.50
2727.64
13417.86
Total-Assets
292677.45
5604.44
287073.01
274818.62
3830.18
270988.44
Sub-Standard
0.00
3378.40
3378.40
0.00
2224.85
2224.85
Doubtful-1
0.00
3397.51
3397.51
0.00
2293.61
2293.61
292677.45
12380.35
280297.10
274818.62
8348.64
266469.98
STD-Assets
Sub-Standard
Addl.Prov.
Grand Total
3.
Loans and Advances

Letters seeking confirmation of outstanding balances in loan accounts were sent by the Corporation to
borrowers. Confirmations are yet to be received from the borrowers.
4.
Contingent liabilities not provided for in respect of

a)
Suits filed against the Corporation by the borrowers and others is estimated at Rs.435.89 lakhs
(Previous year - Rs.430.44 lakhs).
b)
Contracts remaining to be executed on capital account, net of advances are estimated at Rs.12.00
lakhs (Previous year - Rs.22.00 lakhs).
c)
5.
Service Tax matters Rs.203.38 lakhs (Previous year Nil).
The total liability towards Gratuity on account of upward revision in ceiling during 2010-11 is estimated
at Rs.1479.46 lakhs, which is being provided in 5 years as per RBI guidelines, at Rs.295.89 lakhs each
year commencing from FY 2010-11. The balance liability yet to be provided in the books of accounts as
at 31st March, 2014 stood at Rs.295.89 lakhs (Previous year - Rs.591.79 lakhs).
49
6.
A onetime guarantee commission is payable to the Government of Andhra Pradesh @ 1% of the Non-SLR
Bonds raised during the FY 2013-14. The same is proposed to be absorbed over the tenure of the Bonds.
7.
The Corporation contributed to the Employees Social Security Trust an amount of Rs. 1764.00 lakhs till
the end of March, 2014, including Rs.761.84 lakhs for the current year, being one third of the balance
amount. An amount of Rs.200.00 lakhs is provided towards incentive as against previous year expenditure
of Rs.176.78 lakhs.
8.
Status Of Income Tax Assessments

The Income tax assessments are completed up to the Assessment Year 2011-12.
9.
Deferred Tax Asset (DTA)

During the year, the Deferred Tax Asset to the tune of Rs. 198.59 lakhs has been reversed due to funding
of employee benefits with LIC. The Deferred Tax Asset stood at Rs. 608.30 lakhs as at 31st March, 2014
(Previous Year - Rs. 806.89 lakhs).
10.
Investment of surplus funds

The Corporation invested its surplus funds in liquid funds and fixed deposits as part of cash flow
management to maximize the returns and earned Rs.969.41 lakhs. (Previous Year - Rs.775.30 lakhs)
11.
One Time Settlement

During the year, under One Time Settlement, the Corporation waived interest/penal interest of Rs.312.04
lakhs (Previous year - Rs.121.01 lakhs) for settling the bad and doubtful loans and for regularization of
the defaulted loan accounts including the accounts written off.
12.
Segment reporting
The Corporation operates in a single business segment of term lending and in one geographical segment.
Hence, disclosure of Segment reporting as per AS-17 is not required.
13.
Related Party Disclosures

Sri T. Satyanarayana Rao, IAS., Managing Director of the Corporation is the key managerial personnel
during the year.
Salary and other payments are shown under Personnel and Administrative expenses in Schedule M and
N respectively.
50
14.
Disclosures in compliance with SIDBIs guidelines:
A)
Capital:
a.
i)
Core Capital Risk Weighted Adequacy Ratio (CRAR) 13.26% (PY 14.51%)
ii)
Supplementary Capital Risk weighted Adequacy Ratio 17.43% (PY 15.10%)
b.
Amount of subordinated debt raised and outstanding as Tier II capital
c.
i. Net worth
Rs.44511.22 lakhs (PY Rs.43338.82 lakhs)
ii. Risk weighted Assets
Rs.335689.03 lakhs (PY Rs.298594.94 lakhs)
d.
NIL (PY Nil)
Shareholding Pattern:
(` in lakhs)
Sl.
No.
Shares held by
1.
State Govt.
2.
SIDBI
3.
LIC of India
4.
Individuals, Co-op.
Banks, PF Trusts etc.
Equity Share
Capital
Total
e.
Share
Capital
pending
allotment
Special
Share
Capital
Total
% of
holding
14114.087
3016.00
556.375
17686.462
85.85
2330.987
0.00
556.375
2887.362
14.02
21.655
0.00
0.00
21.655
0.11
5.511
0.00
0.00
5.511
0.02
16472.24
3016.00
1112.750
20600.990
100.00
Loan Pending Conversion to Share Capital as on 31.03.2014.

(` in lakhs)
Loan Pending Conversion to

Share Capital
IDBI
State
Government
Total
31.03.2014
Total
31.03.2013
Ordinary Share Capital
946.00
0.00
946.00
946.00
Special Share Capital
194.00
194.00
388.00
388.00
Total
1140.00
194.00
1334.00
1334.00
51
B)
Asset Quality and Credit Concentration:

a.
Percentage of net NPAs to net Loans & Advances: 4.83% (PY3.34%)
b.
Value and percentage of net NPAs to Net Loans and Advances:

(` in lakhs)
2013-14
Asset category
Net Loans
2012-13
% to total net % to total net
Net NPAs
loans
loans
Standard
266544.12
0.00
0.00
0.00
Sub-standard
13513.62
13513.62
4.83
3.34
0.00
0.00
0.00
0.00
280057.74
13513.62
4.83
3.34
Doubtful
Total
c.
Provisions for the year:.

(` in lakhs)
Sl. No.
Assets & Others
1.
Loans & Advances: Standard Assets
2.
Current Year
388.46
229.34
Income Tax
1987.78
2530.61
3.
Employees Retirement Benefits
1184.97
506.06
4.
Provision for incentives to employees
176.33
181.52
5.
Provision for Non-Performing Assets
1385.80
6.
Provision in the erosion of investments
44.66
5168.00
3447.53
Total
d.
Movement in net NPAs:
e.
i. Sub-standard
Rs. 4614.22 lakhs Increase (51.84%)
ii. Doubtful
- Nil -
Credit exposure as a percentage to capital funds and to total assets in respect of:
Sl. No.
52
Previous Year
Borrower
% to
% to
Capital funds
total assets
the largest single borrower other than group
3.69
0.63
the largest borrower group
9.43
1.60
10 largest single borrowers other than group
28.48
4.84
10 largest borrower groups
42.69
7.26
C. Particulars of Accounts Restructured

(` in lakhs)
Standard
advances
CDR
SME Debt
Mechanism
Restructuring
C.Y.
P.Y.
C.Y.
P.Y.
C.Y.
P.Y.
No.of Borrowers
--
--
--
--
95
92
Amount outstanding
--
--
--
--
27970.54
16492.41
--
--
--
--
- Nil -
- Nil -
No. of Borrowers
--
--
--
--
17
Amount outstanding
--
--
--
--
369.80
1097.62
--
--
--
--
- Nil -
- Nil -
No. of Borrowers
--
--
--
--
- Nil -
- Nil -
Amount outstanding
--
--
--
--
- Nil -
- Nil -
--
--
--
--
- Nil -
- Nil -
No. of Borrowers
--
--
--
--
102
109
Amount outstanding
--
--
--
--
28340.34
17590.03
--
--
--
--
- Nil -
- Nil -
Sacrifice (diminution
restructured
in the fair value)
Sub-standard
advances
restructured
in the fair value)
Doubtful
advances
restructured
in the fair value)
TOTAL
in the fair value)
D.
Others
Liquidity:
Maturity pattern of rupee current assets & liabilities:
(` in lakhs)
Items
Rupee
assets
Rupee
liabilities
Surplus/
(Deficit)
Cum.
Surplus
Surplus/
(Deficit) %
< = 1 yr
>1 yr &
> 3 yr &
> 5 yr &
> 7 yr &
upto 3 yr
upto 5 yr
upto 7 yr
upto 10 yr
> 10 yr
Total
93427.46 175913.05
43756.31
6026.95
218.66
40977.25 360319.68
47333.57
96659.71
55589.64
33516.56
52923.40
59273.11 345295.99
46093.89
79253.34 (11833.33) (27489.61) (52704.74) (18295.86)
46093.89 125347.23 113513.90

97.38
81.99
(21.29)
86024.29
33319.55
15023.69
(82.02)
(99.59)
(30.87)
15023.69
53
E. Operating Results
Item
1.
2.
15.
2013-14
Interest income as percentage to average working funds

Non-interest income as a percentage to average working
funds
2012-13
12.06%
12.36%
1.33%
1.39%
Non-interest income as a percentage of operating expenses
58.69%
63.33%
4.
Operating profit as a percentage to average working funds
2.76%
3.28%
5.
Return on average assets
1.19%
2.12%
6.
Operating profit per employee (Rs. lakhs)
23.22
23.81
7.
Net profit per employee (Rs. lakhs)
9.96
15.38
8.
Weighted Average cost of borrowing as on 31st March.
9.77%
9.36%
The Board proposed and decided in its meeting held on 02-07-2014 to declare a dividend of Rs.2/- per
share amounting to Rs.385.44 lakhs including Dividend Distribution Tax of Rs.55.99 lakhs.

Partner
M.No.209539
T.S. Appa Rao

Chairman
J.S.V. Prasad
Managing Director
K. Narasimha Murthy
Director
Place : Hyderabad
54
Cash Flow Statement

A. CASH FLOW FROM OPERATING ACTIVITIES
Profit before tax & provisions
Add:
Depreciation
Bad Debts Written off
Less:
Profit on sale of Fixed Assets (Net of loss on sale)
Profit on sale of investments
Dividend on shares
Cash from Operations
Adjustment for :
Increase in advances
Increase in borrowings
Decrease in deposits
Decrease in other assets
Increase in other Liabilities
Direct Taxes paid (Net)
Net cash from Operating Activities
B. CASH FLOW FROM INVESTMENT ACTIVITIES :
Purchase of investments
Purchase of Fixed Assets
Sale of Fixed Assets
Sale of investments
Dividend on shares
Net cash from investment activities
C. OTHER CASH FLOWS :
Increase in Share Capital
Loan pending conversion to Share Capital
Other net cash flows
Net cash flows (A+B+C)
Net increase / (decrease) in cash and cash equivalents
Cash and Cash equivalents at the beginning of the year
Cash and Cash equivalents at the end of the year
2013-14
9357.82
(` in lakhs)
2012-13
9809.52
361.45
6100.27
185.60
5198.76
3.71
9.25
2.43
15804.15
4.69
21.44
1.82
15165.93
(22893.36)
19007.61
(1041.70)
(223.38)
(4279.73)
(2878.68)
3494.91
(37979.57)
36790.10
(979.36)
327.79
909.76
(3421.15)
10813.50
0.00
(1252.14)
6.89
3009.28
2.43
1766.46
(5534.07)
(218.04)
4.76
21.44
1.82
(5724.09)
0.00
0.00
(2346.00)
2915.37
2915.37
24708.38
0.00
0.00
(1931.73)
3157.68
3157.68
21550.70
27623.75
24708.38

Partner
M.No.209539
T.S. Appa Rao

Chairman
J.S.V. Prasad
Managing Director
K. Narasimha Murthy
Director
Place : Hyderabad
55
Business, Sources and Uses of Funds

(` in lakhs)
2013-14
2012-13
BUSINESS
NET EFFECTIVE SANCTION
a
Term Loan
i
Micro & Small Enterprises
45189.52
61279.96
ii
Medium Enterprises
13033.75
3947.98
58223.27
65227.94
Sub-total
b
II
Others
i
Short Term Loan / WCTL
26514.09
27673.24
ii
Soft Loan - NEF (Revival)
0.00
0.00
iii
Soft Loan - Others (MUN)
0.00
0.00
iv
Others - Commercial & Residential Complexes
10048.59
9355.00
Sub-total
36562.68
37028.24
Total I (a+b)
94785.95
102256.18
49146.12
54542.44
6368.51
10464.33
55514.63
65006.77
27077.12
26547.83
USES OF FUNDS
1
DISBURSEMENTS
a
Term Loan
i
Micro & Small Enterprises
ii
Medium Enterprises
Sub-total
56
Others
i
Short Term Loan (WCTL)
ii
Soft Loan - NEF
0.00
0.00
iii
Soft Loan - Others
0.00
0.00
iv
Others - Commercial & Residential Complexes
5684.26
3586.79
Sub-total
32761.38
30134.62
Total 1 (a+b)
88276.01
95141.39

(` in lakhs)
2012-13
36861.10
26879.54
0.00
4525.00
REPAYMENTS
i
Refinance / LOC / TL / Principal - SIDBI
ii
SLR Bonds
iii
Non SLR Bonds
2580.00
5000.00
iv
Public Deposits
1504.25
1874.81
Others - Bank term loans
22581.29
20937.75
vi
Soft Loan - NEF (to SIDBI)
8.72
29.11
vii
Soft Loan - Others
0.38
1.83
63535.74
59248.04
Total(2)
2013-14
REVENUE PAYMENTS
i
Interest on Refinance/LOC - SIDBI
8856.19
9905.51
ii
Interest on loan-in-lieu of Capital
70.95
70.95
iii
Interest on SLR Bonds
0.00
206.27
iv
Interest on Non - SLR Bonds
7886.98
5187.94
Interest on Other Borrowings
6206.04
4655.57
vi
Financial charges
413.93
102.49
vii
Guarantee Commission to Govt. of A.P.
124.80
104.00
viii
Administrative / Establishment expenses
5961.16
5709.61
ix
Income tax paid
2871.68
3421.15
Capital expenditure
281.55
222.80
xi
Other cash outgoings (Subsidy, etc.)
7431.45
5445.35
xii
Closing cash & Bank Balance and STDs
32287.98
32381.88
72392.71
67413.52
224204.46
221802.95
Total(3)
Total II (1 to 3)
57

(` in lakhs)
III
2012-13
32381.88
23690.13
0.00
0.00
SOURCES OF FUNDS
1
Opening Cash & Bank balance
Increase in Share Capital
Borrowings
i
Refinance / LOC - SIDBI
18430.00
19000.00
ii
Non - SLR Bonds
20800.00
32000.00
iii
Bank - LOC / other borrowing
41800.00
43150.00
iv
Public Deposits
462.54
895.45
Soft loan - NEF & MUN (Reimb. from SIDBI)
0.00
0.00
81492.54
95045.45
64978.43
61931.15
Total(3)
Receipts Against
i
Recovery of Principal
ii
Subsidies
0.00
0.00
iii
Soft Loan - NEF
6.63
0.00
iv
Soft Loan - Others
2.21
0.00
64987.27
61931.15
40829.86
36967.63
4509.73
4168.59
3.18
0.00
45342.77
41136.22
224204.46
221802.95
Total(4)
Revenue Receipts
i
Recovery of interest
ii
Other receipts
iii
Other cash inflows (sale of assets / investments,

increase in ca and dec in cl)
Total(5)
TOTAL III (1 to 5)
58
2013-14
Details of Series-wise Non - SLR Bonds outstanding as on

31.03.2014
` in Lakhs
Date of
Date of
Rate of
Issue
Redemption
interest (%)
Sl. No.
Series No
II
February 15, 2008
March 27, 2018
8.50
10320.00
III
December 24, 2008
January 3, 2019
9.00
10000.00
IV
December 21, 2009
December 29, 2019
8.35
12100.00
February 29, 2012
March 28, 2022
9.48
20000.00
VI
January 11, 2013
March 20, 2023
9.15
32000.00
VII
January 29, 2014
March 24, 2024
9.75
5800.00
VIII
March 25, 2014
March 28, 2024
9.85
15000.00
Total
105220.00
Amount
59
60
58th Annual Report

2013 - 14
Tables on Corporate
Performance
61
62
INDEX TO TABLES
Item
Table
Contents of Tables
No.
No.
1 APPLICATIONS RECEIVED
Summary of Applications Received & Disposed during the year 2013-14
and Cumulative upto 31.03.2014
01
2 SANCTIONS & DISBURSEMENTS during THE YEAR 2013-14
2.1 Sanctions & Disbursal of Loans during the year 2013-14
and Since Inception upto 31.03.2014
02
2.2 Scheme-wise Classification of Sanctions, Disbursements, Value of Output and
Employment Generated during the year 2013-14
03
2.3 Industry-wise Classification of Term Loans Sanctioned (Effective) and Disbursed
04
2.4 Region / District-wise Classification of Term Loans Sanctioned (Effective) and
Disbursed during the year 2013-14.
05
2.5 Branch-wise Sanctions, Disbursements & Recoveries
06
2.6 Area-wise Classification of Term Loans Sanctioned (Effective) and Disbursed
07
2.7 Constitution-wise Classification of Term Loans Sanctioned (Effective) and
Disbursed during the year 2013-14.
08
2.8 Sector-wise Classification of Term Loans Sanctioned (Effective) and Disbursed
09
3 ANALYSIS OF SANCTIONS DURING THE YEAR 2013-14
3.1 Size-wise Classification of Term Loans Sanctioned (Gross)
10
3.2 Project Cost-wise Classification of Term Loans Sanctioned (Gross)
11
3.3 Purpose-wise Classification of Term Loans Sanctioned (Gross & Effective)
12
3.4 Maturity-wise Classification of Term Loans Sanctioned (Effective)
13
4 ANALYSIS OF SANCTIONS, DISBURSEMENTS & OUTSTANDINGS
4.1 Loan Type-wise Classification of Sanctions (Gross & Net Effective), Disbursements
and Outstandings as on 31.03.2014.
14
4.2 Industry-wise Classification of Term Loans Sanctioned (Net Effective), Disbursed
15
4.3 Region/District-wise Classification of Term Loans Sanctioned (Net Effective),
Disbursed and Outstandings as on 31.03.2014.
16
4.4 Constitution-wise Classification of Term Loans Sanctioned (Net Efffective),
Disbursed and Outstandings as on 31.03.2014.
17
4.5 Class-wise Classification of Loans Sanctioned, Disbursed during the year 2013-14
18
4.7 Age-wise Undisbursed Commitments as on 31.03.2014.
19
4.8 Performance in Key Result areas of Sanctions, Disbursements, Recoveries
and Profit Year-wise since inception of the Corporation till 31.03.2014.
20
Page
No.
64
65
66
67
68
69
70
70
71
71
71
72
72
72
73
74
75
76
77
78
63
64
PARTICULARS
1
2
1 Applications pending at the
beginning of the year:
a) Term Loans
b) Working Capital
c) Special Capital
d) Bridge loans
TOTAL
2 Applications received :
a) Term Loans
b) Working Capital
c) Special Capital
d) Bridge loans
TOTAL
3 Total Applications:
a) Term Loans
b) Working Capital
c) Special Capital
d) Bridge loans
TOTAL
4 Applications rejected &
withdrawn:
a) Term Loans
b) Working Capital
c) Special Capital
d) Bridge loans
TOTAL
5 Applications considered for
financial assistance:
a) Term Loans
b) Working Capital
c) Special Capital
d) Bridge loans
TOTAL
6 Pending applications
as on 31-03-2014
a) Term Loans
b) Working Capital
c) Special Capital
d) Bridge loans
TOTAL
7 Applied amount in
applications sanctioned:
a) Term Loans
b) Working Capital
c) Special Capital
d) Bridge loans
TOTAL
8 Pending applications as a %
of Applications dealt with:
9 Pending applications as a %
of Applications considered
for financial assistance:
No
Sl
TABLE - 1
150393
0
0
0
150393
4.92
5.10
0 1115
0
0
0
0
0
0
0 1115
2.60
0
0
0
0
0
0 1086
0
0
0
0
0
0
0 1086
2.48
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
29
0
0
0
29
55
0
0
0
55
0 1170
0
0
0
0
0
0
0 1170
0
0
0
0
0
8083
0
0
0
8083
158477
0
0
0
158477
5664
0
0
0
5664
164141
0
0
0
164141
154540
0
0
0
154540
0 1127
0
0
0
0
0
0
0 1127
9601
0
0
0
9601
0
0
0
0
0
43
0
0
0
43
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

11.11
5.92
72
0
0
0
72
9
0
0
0
9
81
0
0
0
81
71
0
0
0
71
152
0
0
0
152
147
0
0
0
147
5
0
0
0
5
48
0
0
0
48
126
0
0
0
126
38
0
0
0
38
8.83
6.29
3.18
2.87
37915 1158
0
0
0
0
0
0
37915 1158
3672
0
0
0
37
41587 1196
0
0
0
0
0
0
41587 1196
16773
0
0
0
16773
58360 1322
0
0
0
0
0
0
58360 1322
941
5.88
5.28
188309
0
0
0
188309 20451
11755
0
0
0
11755
200064
0
0
0
200064 20451
22437
0
0
0
22437
222501
0
0
0
222501
207300
0
0
0
207300 21392
15201
0
0
0
15201
7153
122026
160
4228 61873 1081931 5752
4228 62494 1145501 5756
275
4502 69069 1263600 5910
930
20319 8515
20341 8808
503
20758 9442
620243
696040
115940
238744
96591 1726720
97509 1866110
9184
739753 105813 2028612
(AMOUNT ` IN LAKHS)
SINCE INCEPTION TO 31st March, 2014
Small Scale Units
Total
Others
Total
Composite loans General Loans
S.R.T.Os.
No. Amount No. Amount No. Amount No. Amount No. Amount
No.
Amount
11
12
13
14
15
16
17
18
19
20
21
22
52760 1274
0
0
0
0
0
0
52760 1274
5600
0
0
0
5600
DURING 2013-14
Small Scale Units
Others
Composite loans General Loans
S.R.T.Os.
No. Amount No. Amount No. Amount No. Amount
3
4
5
6
7
8
9
10
SUMMARY OF APPLICATIONS RECEIVED AND DISPOSED OF DURING THE YEAR 2013-14 AND CUMULATIVE UPTO 31-03-2014
65
PARTICULARS
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0 1040
0
0
0
0
0
0
0 1040
0
0
0
0
0
0
0
0
0
0
0 1038
0
0
0
0
0
0
0 1038
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
119
0
0
0
119
71
0
0
0
71
919
0
0
0
919
190
0
0
0
190
23
0
0
0
23
0 1086
0
0
0
0
0
0
0 1086
0
0
0
0
0
88352
0
0
0
88352
23048
0
0
0
23048
12044
0
0
0
12044
69277
0
0
0
69277
65304
0
0
0
65304
35092
0
0
0
35092
3839
0
0
0
3839
96557
0
0
0
96557
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
70
0
0
0
70
6
0
0
0
6
5
0
0
0
5
50
0
0
0
50
64
0
0
0
64
11
0
0
0
11
3
0
0
0
3
72
0
0
0
72
36796
0
0
0
36796
7313
0
0
0
7313
1929
0
0
0
1929
18999
0
0
0
18999
29482
0
0
0
29482
9242
0
0
0
9242
3747
0
0
0
3747
34977
0
0
0
34977
DURING 2013-14
Small Scale Units
Mini,Composite &
Others
General Loans
S.R.T.Os.
Fisheries Loans
No. Amount No. Amount No. Amount No. Amount
3
4
5
6
7
8
9
10
30362
0
0
0
30362
13973
0
0
0
13973
16838
0
0
0
16838
16838
0
0
0
16838
94786
0
0
0
94786
88276
0
0
0
88276
3849
0
0
0
3849
236
0
0
0
236
20451
0
0
0
20451
44334
0
0
0
44334
7587
0
0
0
7587
1108 125148
0
0
0
0
0
0
1108 125148
125
0
0
0
125
76
0
0
0
76
1090
0
0
0
1090
983
0
0
0
983
201
0
0
0
201
26
0
0
0
26
1158 131534
0
0
0
0
0
0
1158 131534
2500
0
0
0
2500
2500
0
0
0
2500
1688
0
0
0
1688
82
0
0
0
82
4106
0
0
0
4106
21968
73
2
0
22044
44008 637616
2486
2114
1563
1241
405
438
48462 641409
44289 687730
2486
2115
1563
1241
405
438
48743 691523
11243 296161
1814
1785
342
232
93
175
13492 298353
301
62
4
0
367
55231 961923
4238
3826
1901
1471
498
613
61868 967833
3922
0
555
0
4477
3922
0
555
0
4477
1207
0
103
0
1310
28
0
6
0
34
5101
0
652
0
5753
14094
0
320
0
14414
14094
0
320
0
14414
5745
0
73
0
5818
125
0
5
0
130
19714
0
389
0
20102
26060
0
0
0
26060
7494 381377
0
0
43
80
110
729
7647 382185
7516 410314
0
0
43
80
110
728
7669 411121
866 147521
1
14
29
91
25
159
921 147785
71
0
0
0
71
8311 531775
1
14
72
171
135
887
8519 532847
451115
1799
396
334
453645
48236
73
6
0
48315
72262 1035587
2486
2114
2161
1641
515
1166
77424 1040508
72565 1114638
2486
2114
2161
1641
515
1166
77727 1119559
17165
1815
474
118
19572
636
62
10
0
708
89094 1517518
4239
3840
2625
2031
633
1500
96591 1524888
(AMOUNT ` IN LAKHS)
SINCE INCEPTION TO 31st March, 2014
Small Scale Units
Mini,Composite &
Total
Others
Total
General Loans
S.R.T.Os.
Fisheries Loans
No. Amount No. Amount No. Amount No. Amount No. Amount No. Amount
11
12
13
14
15
16
17
18
19
20
21
22
SANCTIONS AND DISBURSAL OF LOANS DURING THE YEAR 2013-14 AND SINCE INCEPTION UPTO 31-03-2014
NOTE: THE CUMULATIVE FIGURES REPRESENT REVIVALS ONLY FROM 1988-89 ONWARDS.
1
2
A SANCTIONS:(Gross)
i) TERM LOANS
ii) WORKING CAPITAL
iii) SPECIAL CAPITAL
iv) BRIDGE LOANS
TOTAL (A)
B LOAN REVIVALS:
i) TERM LOANS
ii) WORKING CAPITAL
iv) BRIDGE LOANS
TOTAL (B)
C CANCELLATIONS:
i) TERM LOANS
ii) WORKING CAPITAL
iv) BRIDGE LOANS
TOTAL (C)
D NET SANCTIONS:
i) TERM LOANS
ii) WORKING CAPITAL
iv) BRIDGE LOANS
TOTAL (D)
E LOANS DISBURSED:
i) TERM LOANS
ii) WORKING CAPITAL
iv) BRIDGE LOANS
TOTAL (E)
ADDITIONAL
INFORMATION:
F CLASSIFICATION OF
LOAN CANCELLATIONS:
a) Out of Current
years sanctions:
i) TERM LOANS
ii) WORKING CAPITAL
iv) BRIDGE LOANS
TOTAL
b) Out of Previous
years sanctions:
i) TERM LOANS
ii) WORKING CAPITAL
iv) BRIDGE LOANS
TOTAL
G EFFECTIVE SANCTIONS:
(A + B - F(a))
i) TERM LOANS
ii) WORKING CAPITAL
iv) BRIDGE LOANS
TOTAL (G)
Sl.
No.
TABLE - 2
66
TERM LOANS & WORKING CAPITAL

CGTMSE
Commercial Complexes
Corporate Loan Scheme
Corporate Loan for CRE Sector
DG Sets
Electro-Medical Equipment Scheme
Entertainment / Recreation
Export Oriented Scheme
Good Entrepreneur Scheme(Term Loans)
Hospitals, Nursing Homes
Hotels, Motels, Restaurants & Convention Centers
Marketing Of SSI and other Products
Modernisation
MSME-MTL Scheme
MTL to Good Entrepreneurs at Concessional Terms
Normal Scheme - General Loans
Practicing Doctors & Existing Nursing Homes for Acquiring Fixed Assets
Purchase of Existing Assets
Residential Complexes
Risk Capital Fund Scheme
SC/ST New Scheme- TL To SC Entrepreneurs
SC/ST-New Scheme- Tl To ST Entrepreneurs
Senior Successful Entrepreneur (Term Loan)
Single Window Scheme (Term Loan)
Single Window Scheme (WCTL)
Super Entrepreneur Scheme (Term Loan)
Technology Upgradation (RTUF) - Textiles
Transport Loans - Others
Transport Loans - Passenger Buses / Vehicles
Working Capital Loan (WCTL)
Working Capital Term Loans (WCTL)
T O T A L (A)
SPECIAL CAPITAL ASSISTANCE
BRIDGE LOANS
TOTAL OF (A+B+C)
SEED CAPITAL:
a) Mahila Udyam Nidhi Scheme
b) Ex-Servicemen Scheme
c) National Equity Fund Scheme
TOTAL OF SEED CAPITAL
I.D.B.I./SIDBI Seed Capital
SCHEME OF ASSISTANCE
0
0
0
0
0
4
6
13
2
4
1
0
0
13
1
2
254
3
256
0
293
244
5
18
0
4
2
1
5
6
1
1
4
3
1
11
1158
0
0
1158
No.
0
0
0
0
0
134
3150
4490
1435
63
35
0
0
3166
17
1376
11534
125
28381
0
58430
5664
1792
8175
0
141
80
240
293
342
18
650
143
47
30
1582
131534
0
0
131534
Amount
GROSS SANCTIONS
0
0
0
0
0
4
7
13
2
3
1
0
0
12
1
2
246
3
245
0
279
230
5
16
2
4
3
1
5
6
0
1
4
3
1
9
1108
0
0
1108
No.
0
0
0
0
0
134
3500
4490
1435
57
45
0
0
3049
17
1493
10417
121
25751
0
56530
5269
1792
7175
85
164
153
240
293
342
303
650
143
47
30
1422
125148
0
0
125148
Amount
EFFECTIVE SANCTIONS
0
0
0
0
0
1
2
12
2
7
1
0
0
11
1
2
264
2
263
2
249
227
4
8
2
11
3
1
1
0
1
0
2
3
1
7
1090
0
0
1090
No.
0
0
0
0
0
17
441
3146
1435
110
35
50
72
1906
555
1532
11284
38
23140
1346
30469
5155
463
3159
85
661
163
201
39
0
1267
0
104
47
5
1352
88276
0
0
88276
Amount
DISBURSEMENTS
271
12217
24808
6657
2538
133
0
0
75648
20
1976
91463
240
166448
0
4013
7221
10954
17617
0
162
345
500
169
233
757
6373
208
54
33
11771
442829
0
0
442829
VALUE OF
OUTPUT
Amount
SCHEME-WISE CLASSIFICATION OF SANCTIONS AND DISBURSEMENTS,VALUE OF OUTPUT AND EMPLOYMENT GENERATED DURING THE YEAR 2013-14
NOTE: 1) Under the above schemes assistance is extended also to SC/ST entrepreneurs. For further details Table-18 may be referred.
2) Working Capital Number and Amounts are included in the above statement.
E)
D)
B)
C)
A)
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Sl.
No.
TABLE - 3
40
132
983
49
150
32
0
0
1056
4
200
1830
100
10031
0
9878
1100
179
685
0
48
34
24
69
81
82
343
15
11
4
390
27550
0
0
27550
(AMOUNT ` IN LAKHS)
EMPLOYMENT
GENERATED
No.
67
23
15
16
17
18
19
20
21
21
14
11
12
13
10
4
5
6
7
8
9
SL
NO
TYPE OF INDUSTRY
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8
89
169
1038
32
49
16
19
0
232
0
0
25
11
72
1
16
11
11
94
6
22
1
31
8
14
4
3
16
3
1
1
73
0
388
6569
21624
88352
117
3144
4089
2332
1384
0
5316
0
0
4796
288
4737
15
660
2288
1479
11956
328
2979
70
1007
665
818
173
400
2247
356
25
15
8086
0
348
6691
13722
69277
154
1776
2243
926
1155
0
5697
0
0
3159
130
7117
30
636
1841
625
8536
323
5062
170
907
270
639
461
400
454
278
40
0
5490
SMALL SCALE UNITS

Mini,Composite & Fisheries Loans
General Loans
SANCTIONS
SANCTIONS
AMOUNT
AMOUNT
No
Amount DISBURSED
No
Amount DISBURSED
0
0
1
29
70
1
1
2
0
0
0
0
0
4
0
5
0
0
0
0
4
1
4
0
5
0
3
0
0
0
2
0
0
6
0
0
60
16572
36796
1376
500
350
1410
0
0
0
0
0
2950
0
3277
0
0
0
0
2169
512
2360
0
1248
0
915
0
0
0
1381
0
0
1715
SANCTIONS
No
Amount
0
0
60
9179
18999
1378
0
363
300
0
0
33
0
0
1325
0
1414
0
0
334
0
1915
140
827
0
248
0
915
0
0
71
0
32
0
465
AMOUNT
DISBURSED
OTHER UNITS
INDUSTRY-WISE CLASSIFICATION OF TERM LOANS SANCTIONED (EFFECTIVE), DISBURSED DURING THE YEAR 2013-14
Food products:
a) Sugar
b) Others
Beverage & Tobacco products:
a) Beverage Industry
b) Tobacco products
Textiles:
a) Cotton
b) Jute
c) Others
Wood products
Paper & paper products
Printing & publishing
Leather products
Rubber products
Chemical products:
a) Basic Industrial Chemicals Other than Fertilizers
b) Other chemicals and chemical products
c) Fertilizers
Non-Metallic Mineral products:
a) Non-Metallic Mineral products
b) Cement
Transport vehicles,equipment & Spare parts
Petroleum products
Basic Metal Industry:
a) Iron and steel
b) Non-ferrous
Metal products Except Machinery and
Transport Equipment
Machinery except electrical Machinery
Electrical Machinery & appliances
Misc. Manufacture industry
Gas Manufacture(industrial & domestic)
Medical loans
Fisheries loans
Electricity generation & supplies
Services
a) Hotels
b) Road Transport
i) SRTOs
ii) Others
c) Other services
Other Industries
TOTAL
TABLE - 4
0
8
90
198
1108
33
50
18
19
0
232
0
0
29
11
77
1
16
11
11
98
7
26
1
36
8
17
4
3
16
5
1
1
79
0
388
6629
38196
125148
1493
3644
4439
3742
1384
0
5316
0
0
7747
288
8014
15
660
2288
1479
14125
840
5339
70
2255
665
1733
173
400
2247
1737
25
15
9801
SANCTIONS
No
AMOUNT
ALL UNITS
0
348
6751
22901
88276
1532
1776
2606
1226
1155
0
5730
0
0
4485
130
8531
30
636
2174
625
10451
463
5888
170
1154
270
1554
461
400
525
278
72
0
5955
AMOUNT
DISBURSED
(AMOUNT ` IN LAKHS)
68
REGION / DISTRICT-WISE CLASSIFICATION OF TERM LOANS SANCTIONED( EFFECTIVE) AND DISBURSED DURING THE YEAR 2013-14
SMALL SCALE UNITS

OTHER UNITS
Mini, Comp. Loans & Fisheries Loans
General Loans
SL.
DISTRICTS
NO.
Sanctions
Sanctions
Sanctions
DisburDisburDisbursements
sements
sements
No.
Amount
No.
Amount
No.
Amount
1
HYDERABAD
0
0
0
31
5209
4147
7
5660
1865
2 * KHAMMAM
0
0
0
36
1628
1529
1
1188
30
3 * NALGONDA
0
0
0
41
8269
4631
0
0
26
4 * MAHABOOBNAGAR
0
0
0
24
6014
5811
2
1060
387
* TOTAL
0
0
0
132
21119
16118
10
7908
2309
5
RANGA REDDY
0
0
0
67
9708
7124
13
6849
3854
6 * MEDAK
0
0
0
72
11884
6567
2
800
1941
TOTAL
0
0
0
139
21592
13691
15
7649
5795
7
GUNTUR
0
0
0
46
3034
3330
4
1250
1366
8
EAST GODAVARI
0
0
0
18
1814
2377
3
2100
700
9
KRISHNA
0
0
0
39
5661
4171
3
700
790
10
VISAKHAPATNAM
0
0
0
26
3317
1992
4
2250
1833
11 * SRIKAKULAM
0
0
0
21
961
915
2
400
400
12
WEST GODAVARI
0
0
0
39
1783
2538
7
1427
1272
13
VIZIANAGARAM
0
0
0
26
1741
1116
0
0
66
TOTAL
0
0
0
215
18312
16439
23
8127
6428
14 * ANANTHAPUR
0
0
0
35
2051
2551
2
1472
614
15 * KURNOOL
0
0
0
42
1660
1461
3
1000
317
16 * NELLORE
0
0
0
59
3414
2329
1
435
604
17 * CHITTOOR
0
0
0
48
3846
2871
10
7639
2262
18 * CUDDAPAH
0
0
0
131
4299
3776
0
0
0
19 * PRAKASAM
0
0
0
57
3750
3991
2
1650
12
TOTAL
0
0
0
372
19020
16977
18
12197
3809
20 * NIZAMABAD
0
0
0
21
657
469
0
0
0
21 * WARANGAL
0
0
0
51
3113
2269
1
100
0
22 * ADILABAD
0
0
0
31
1262
1337
2
78
78
23 * KARIMNAGAR
0
0
0
77
3277
1977
1
737
581
TOTAL
0
0
0
180
8309
6051
4
915
658
TOTAL OF ANDHRA PRADESH
0
0
0
1038
88352
69277
70
36796
18999
TOTAL OF COASTAL ANDHRA
0
0
0
331
25475
22759
26
10212
7044
TOTAL OF RAYALASEEMA
0
0
0
256
11856
10658
15
10112
3193
TOTAL OF TELANGANA
0
0
0
451
51021
35861
29
16412
8762
TOTAL OF BACKWARD DISTS.
0
0
0
733
50468
41145
28
16422
7104
NOTE: 1. Term loans (Effective) represents Gross Sanctions plus Revivals of the Current Year less Cancellations pertaining to Current Years Sanctions.
2. * Indicates assistance to Central Backward Districts
TABLE - 5
Sanctions
No.
Amount
38
10869
37
2816
41
8269
26
7074
142
29027
80
16558
74
12684
154
29242
50
4284
21
3914
42
6361
30
5567
23
1361
46
3210
26
1741
238
26439
37
3524
45
2660
60
3849
58
11485
131
4299
59
5400
390
31216
21
657
52
3213
33
1340
78
4014
184
9224
1108
125148
357
35687
271
21968
480
67433
742
71303
All UNITS
Disbursements
6012
1560
4658
6198
18427
10979
8508
19487
4696
3077
4961
3825
1315
3810
1182
22867
3164
1778
2933
5133
3776
4003
20786
469
2269
1414
2558
6710
88276
29803
13850
44623
48319
(AMOUNT ` IN LAKHS)
69
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
SL. NO
TABLE - 6
HYDERABAD
KHAMMAM
NALGONDA
MAHABUBNAGAR
OPERN-I TOTAL
RANGAREDDY-W
RANGAREDDY-E
SANGAREDDY
R.C.PURAM
OPERN-II TOTAL
GUNTUR
RAJAHMUNDRY
VIJAYAWADA
VIZAG
SRIKAKULAM
ELURU
VIZIANAGARAM
OPERN-III TOTAL
ANANTAPUR
KURNOOL
NELLORE
TIRUPATHI
KADAPA
ONGOLE
OPERN-IV TOTAL
NIZAMABAD
WARANGAL
MANCHERIAL
KARIMNAGAR
OPD-V TOTAL
GRAND TOTAL
BRANCH NAME
43
40
39
31
153
41
48
33
44
166
55
26
46
29
22
46
27
251
38
46
59
59
133
60
395
20
57
38
78
193
1158
NO.
11986.00
3143.30
8491.62
8723.10
32344.02
13146.80
6262.25
5260.90
7856.50
32526.45
4528.00
6081.00
6028.39
5277.59
1534.70
2985.62
1975.60
28410.90
3243.00
2339.14
3861.35
9672.35
4350.61
5438.21
28904.66
656.00
3485.20
1739.86
3466.51
9347.57
131533.60
AMOUNT
GROSS SANCTIONS
35
42
37
30
144
28
50
29
34
141
53
27
38
28
26
50
23
245
49
43
59
53
126
73
403
17
51
30
59
157
1090
NO.
6011.65
1559.70
4657.75
6197.70
18426.80
6977.54
4001.34
3467.74
5039.91
19486.53
4696.30
3077.24
4961.37
3824.75
1314.71
3810.46
1182.01
22866.85
3164.23
1778.01
2933.15
5132.54
3775.50
4002.89
20786.32
468.53
2268.64
1414.41
2557.96
6709.55
88276.05
AMOUNT
DISBURSEMENTS
5813.53
1244.77
4274.37
3828.03
15160.70
4695.14
4725.35
2639.20
3452.38
15512.07
2941.22
2385.39
3722.11
3050.32
1217.69
2914.58
1485.67
17716.98
2402.91
2809.61
2038.63
3130.53
2396.79
1748.57
14527.03
462.48
1234.07
774.82
1426.03
3897.40
66814.18
PRINCIPAL
AMOUNT
2809.71
599.93
2637.30
2511.93
8558.87
2898.83
2746.70
1993.18
2073.28
9711.99
1971.22
1476.47
1934.46
1760.84
271.46
1863.98
515.93
9794.36
2108.72
1907.28
1437.30
2034.43
1382.48
1554.03
10424.24
87.43
1011.43
373.50
868.04
2340.40
40829.86
INTEREST
AMOUNT
RECOVERIES
8623.24
1844.70
6911.67
6339.96
23719.57
7593.97
7472.05
4632.38
5525.66
25224.06
4912.44
3861.86
5656.57
4811.16
1489.15
4778.56
2001.60
27511.34
4511.63
4716.89
3475.93
5164.96
3779.27
3302.60
24951.28
549.91
2245.50
1148.32
2294.07
6237.80
107644.05
TOTAL
AMOUNT
BRANCH - WISE , OPERATION - WISE SANCTIONS , DISBURSEMENTS AND RECOVERIES

DURING THE YEAR 2013-14
(AMOUNT ` IN LAKHS)
70
Public Limited Companies
Private Limited Companies
Co-operatives
Partnership Concerns
Joint Hindu Family Concerns
Sole Proprietory concerns
Others
CONSTITUTION
TOTAL
525
1108
451
79749
125148
41087
560
1090
403
62228
88276
22203
1038
693
214
10
111
No.
38
0
19
0
4
33630
691
24175
48
27618
88352
70
2180
11
No.
36796
406
6111
25919
4360
Amount
OTHERS
Amount
SSI
1108
697
233
10
149
17
125148
11
28023
48
30286
691
59549
6540
Amount
TOTAL
No.
EFFECTIVE SANCTIONS
1040
710
212
12
97
No.
69277
25826
17297
1234
23168
1753
Amount
SSI
50
16
21
No.
18999
309
4547
10970
3174
Amount
OTHERS
1090
714
228
12
118
18
88276
26134
21843
1234
34138
4927
Amount
TOTAL
No.
AMOUNT DISBURSED
CONSTITUTION-WISE CLASSIFICATION OF TERM LOANS SANCTIONED (EFFECTIVE) AND DISBURSED

DURING THE YEAR 2013-14
(AMOUNT ` IN LAKHS)
Other areas not covered

under (1) and (2) above
TOTAL
SL
No.
TABLE - 8
Backward Areas declared by

State Govt. ( As per location )
AREA-WISE CLASSIFICATION OF TERM LOANS SANCTIONED

(EFFECTIVE) & DISBURSED DURING THE YEAR 2013-14
(AMOUNT ` IN LAKHS)
Effective Sanctions
Disbursements
SL
Particulars
NO
No.
Amount
No.
Amount
1
Backward Areas declared by
Central Govt.( As per location )
a) Category A
0
0
0
0
b) Category B
0
0
30
1099
c) Category C
132
4312
97
2747
TABLE-7
71
Transport:
a) SRTOs
b) Others
SSI:
a) Tiny Sector
(Including Composite Loans)
b) Ancillaries
c) Other SSI Units
OTHERS
TOTAL
892
86973
36896
125148
6
1023
71
1108
Upto Rs.10,000
Rs. 10,001 to Rs. 25,000
Rs. 25,001 to Rs. 50,000
Rs. 50,001 to Rs. 1,00,000
Rs. 1,00,001 to Rs. 2,00,000
Rs. 2,00,001 to Rs. 5,00,000
Rs. 5,00,001 to Rs. 7,50,000
Rs . 7,50,001 to Rs.10,00,000
Rs.10,00,001 to Rs.20,00,000
Rs.20,00,001 to Rs.30,00,000
Rs.30,00,001 to Rs.45,00,000
Above Rs.45,00,000
TOTAL
Number
0
0
0
0
0
4
5
61
230
259
84
515
1158
Amount
0
0
0
0
0
16
32
602
3657
7386
3192
116650
131534
Gross Sanctions
during the year
Number
8908
7175
11583
5735
9478
15584
5888
3883
7464
5450
1831
6115
89094
Amount
232
1408
4673
4184
15133
50816
37654
36644
116891
144668
69117
1036098
1517517
Sanctions since
inception to 31.03.2014
773
68156
18999
88276
0
348
1
2
3
4
5
6
7
8
9
SL
No.
Upto Rs.50 lakhs

Rs.50.00 lakhs to Rs.100.00 lakhs
Rs.1500.00 lakhs and Above
TOTAL
Project Cost
471
282
152
116
45
24
18
12
38
1158
Number
10703
12307
12028
24616
14747
9066
8062
9046
30958
131534
Amount
GROSS SANCTIONS
TABLE-11
PROJECT COST-WISE CLASSIFICATION OF TERM LOANS
SANCTIONED DURING THE YEAR 2013-14
(AMOUNT ` IN LAKHS)
0
388
0
8
EFFECTIVE SANCTIONS DISBURSEMENTS

Amount
Number
Amount
SIZE-WISE CLASSIFICATION OF TERM LOANS

SANCTIONED (GROSS) DURING 2013-14
(AMOUNT ` IN LAKHS)
LOAN AMOUNT
TABLE-10
SL.
No.
SECTOR-WISE CLASSIFICATION OF TERM LOANS

SANCTIONED (EFFECTIVE) AND DISBURSED DURING THE YEAR 2013-14
(AMOUNT ` IN LAKHS)
TABLE -9
72
DESCRIPTION
Less than 1 year

Above 1 to 5 years
Above 5 to 7 years
Above 7 to 10 years
Above 10 years
TOTAL
No.
409
665
0
1
7
3
1
0
1086
SSI
Amount
47216
47877
0
30
1405
13
15
0
96557
TOTAL
No.
Amount
442
68321
701
60537
0
0
1
30
9
2567
4
63
1
15
0
0
1158
131534
No.
391
636
0
1
7
2
1
0
1038
SSI
Amount
42267
44631
0
30
1401
8
15
0
88352
7
587
361
83
0
1038
Amount
927
39490
28345
19590
0
88352
No.
0
50
12
8
0
70
OTHERS
0
18576
6816
11403
0
36796
Amount
1158
0
0
0
0
0
0
1158
143012
0
0
0
0
0
0
143012
2012-13
(Gross)
NO
AMOUNT
0
131534
0
0
131534
0
0
0
SANCTIONS
2013-14
(Gross)
NO
AMOUNT
32
77788
25
4
72565
2486
515
2161
213
1119893
88
34
1114638
2114
1166
1641
Since Inception to
31-3-2014 (Net Effective)
NO
AMOUNT
7
637
373
91
0
1108
0
95141
0
0
95141
0
0
0
0
88276
0
0
88276
0
0
0
195
1040803
65
34
1035587
2114
1166
1641
328118
0
0
327564
331
6
216
AMOUNT
(AMOUNT ` IN LAKHS)
AMOUNT
OUTSTANDING
AS ON 31/03/2014
Amount
927
58066
35161
30993
0
125148
(AMOUNT ` IN LAKHS)
TOTAL
No.
Amount
426
66618
668
55865
0
0
1
30
9
2563
3
57
1
15
0
0
1108
125148
(AMOUNT ` IN LAKHS)
TOTAL
DISBURSEMENTS
SINCE inception
2012-13
2013-14
to 31/03/2014
AMOUNT AMOUNT
AMOUNT
LOAN TYPEWISE CLASSIFICATION OF SANCTIONS, DISBURSEMENTS AND OUTSTANDING AS ON 2013-14
No.
SSI
EFFECTIVE SANCTIONS
No.
EFFECTIVE SANCTIONS
OTHERS
No.
Amount
35
24350
32
11234
0
0
0
0
2
1162
1
49
0
0
0
0
70
36796
MATURITY-WISE CLASSIFICATION OF TERM LOANS SANCTIONED (EFFECTIVE) DURING THE YEAR 2013-14
Particulars
New Projects
Expansion
Diversification
Rehabilitation
Replacement / Modernisation
Power generation
Over-run finance
Others
TOTAL
PURPOSE
GROSS SANCTIONS
OTHERS
No.
Amount
33
21105
36
12660
0
0
0
0
2
1162
1
50
0
0
0
0
72
34977
PURPOSE-WISE CLASSIFICATION OF TERM LOANS SANCTIONED DURING THE YEAR 2013-14
Loans
a) Term Loans
1434
b) Working Capital
0
c) Bridge Loans
0
2
Special Capital Assistance
0
3
Underwritings:
a)Ordinary and Preference Shares
0
b)Debentures
0
4
Guarantees:
Guarantees for loans
0
TOTAL
1434
N B : Amount Outstanding represents Principal and Interest
SL
NO
TABLE - 14
1
2
3
4
5
SL. No.
TABLE-13
1
2
3
4
5
6
7
8
SL. No.
TABLE-12
73
Type of Industry
SMALL SCALE UNITS

Mini,Composite and fisheries Loans
General Loans
Sanctions
Amount
Amount
Sanctions
Amount
Amount
No Amount Disbursed Outstanding No Amount Disbursed Outstanding
Sanctions
Amount
Amount
No Amount Disbursed Outstanding
OTHER UNITS
ALL UNITS
(AMOUNT ` IN LAKHS)
1661
29649
2437
20810
379
1321
2871
15334
565
4863
12367
3853
5215
0
18732
10
0
5035
327
581
29266
118585
327564
65024
5975
7564
5610
55264
4001
20349
58030
18329
22777
799
60411
28
83
24679
21572
3663
73469
229842
1035587
12938
334
3691
1278
5449
1630
1000
1655
28714
4893
15865
4900
25583
12931
3982
10917
11822
1506
530
8153
1431
106646
8740
79
23614
621
112921
Sanctions
Amount
Amount
No Amount Disbursed Outstanding
INDUSTRY-WISE CLASSIFICATION OF TERM LOANS SANCTIONED (NET EFFECTIVE), DISBURSED AND OUTSTANDING AS ON 31-03-2014
Food products:
* a)Sugar
18
6
6
0
15
532
115
0
3
850
500
79
36
1388
b)Others
1915
357
357
23 7556 103973
86554
18152 295 34602
26010
5439 9766 138932
2 Beverage & Tobacco products:
a)Beverage Industry
15
2
2
0
413
7400
5025
1067
78
4699
3126
439
506
12102
* b)Tobacco products
3
1
1
0
51
920
843
45
4
595
587
485
58
1515
3 Textiles:
* a)Cotton
1990
387
387
5
738 22863
18560
9303
63 15154
9767
3630 2791
38404
* b)Jute
0
0
0
0
74
2916
2524
243
45
2782
2370
90
119
5698
c)Others
3269
649
649
33 1758 13740
11624
3292 147
4737
3592
366 5174
19127
4 Wood products
801
171
171
7 1023
5042
3996
742
15
739
732
530 1839
5953
5 Paper & paper products
68
18
18
0
906 18600
13864
2876 116 12774
11701
2572 1090
31391
6 Printing & publishing
177
55
55
1 1633 11570
10914
1629
67
3342
1962
0 1877
14967
7 Leather products
496
71
71
3
196
4157
3687
997
13
231
224
0
705
4458
8 Rubber products
96
32
32
2
734 12269
8672
1256
28
2145
2214
397
858
14446
9 Chemical products:
a)Basic Industrial Chemicals Other than
0
0
0
0
297 11104
8456
1512
43
3508
3366
149
340
14612
*
fertilizers
b)Other chemicals and chemical products
143
24
23
9 3535 99039
76267
23766 332 35963
30356
5874 4010 135026
* c)Fertilizers
0
0
0
0
241
6189
5238
2022
39
4144
3502
415
280
10334
10 Non-Metallic Mineral products:
a)Non-Metallic Mineral products
1336
264
264
1 4750 65678
54174
17518 204 14487
10585
3291 6290
80429
* b)Cement
11
4
4
0
144
4779
4448
276
10
1588
1523
103
165
6372
11 Transport vehicles,equipment & Spare parts
12
1
1
0
316
6420
4636
1320
42
2976
2927
0
370
9398
12 Petroleum products
9
2
2
0
268
6068
4394
2127
10
1525
1214
744
287
7595
13 Basic Metal Industry:
a)Iron and steel
26
5
5
0
795 42304
34562
7030 141 28460
20697
8304
962
70769
* b)Non-ferrous
2
1
1
1
153
4422
3575
514
16
579
425
51
171
5002
14 Metal products except machinery
and transport equipment
167
33
33
4 1436 23090
16939
4526
70
4116
3377
334 1673
27239
15 Machinery except electrical Machinery
275
62
62
9 3333 51091
43729
8313 274 15330
14240
4044 3882
66482
16 Electrical Machinery & appliances
39
9
9
0 1093 17441
13817
3392 117
6795
4504
460 1249
24245
17 Misc. Manufacture industry
514
133
132
3 2345 20686
17713
4556 160
9333
4932
655 3019
30152
18 Gas Manufacture(industrial & domestic)
0
0
0
0
29
704
567
0
20
233
232
0
49
936
19 Medical loans
0
0
0
0 1064 28537
24507
18314 1793 35480
35904
418 2857
64017
20 Fisheries loans
4972
28
28
10
0
0
0
0
0
0
0
0 4972
28
21 * Electricity generation & supplies
0
0
0
0
65
348
78
0
3
5
5
0
68
353
21 Services
a)Hotels
0
0
0
0
55
6266
4414
1963 701 21744
20264
3072
756
28011
b)Road Transport
i)SRTOs
0
0
0
0 7947 22196
21572
327
0
0
0
0 7947
22196
ii)Others
0
0
0
0 1142
4454
3663
581
0
0
0
0 1142
4454
c)Other services
153
47
47
8 2141 65018
54538
27346 421 22248
18883
1911 2715
87313
23 Other Industries
331
139
139
12 2335 113401
88046
78981 1979 153895 141656
39591 4645 267435
TOTAL
16838
2502
2500
132 48581 803220
651710
243988 7249 445058 381377
83445 72668 1250780
NOTE : 1. Term loans(Net effective) represents cumulative figures at the end of Previous Year plus Gross Sanctions and Revivals of the Current Year less Cancellations pertaining to Current Year Sanctions
2. Amount Outstanding represents Principal and Interest.
3. * The figures given against these products represent figures from 1988-89 onwards. Cumulative figures upto 31.03.1988 were clubbed under the broad industrial groups.
SL
No
TABLE - 15
74
DISTRICTS
53
79
153
81
367
84
100
183
98
30
68
38
49
56
18
356
428
263
95
357
119
37
1300
42
63
42
148
296
2502
489
1167
846
2017
53
79
153
81
367
83
100
183
97
30
68
38
49
55
18
356
428
263
95
357
119
37
1299
42
63
42
148
296
2500
488
1167
845
2016
14
8
1
19
41
10
2
12
2
0
1
0
0
0
0
3
13
3
0
10
7
8
40
18
1
10
5
35
132
12
32
88
94
2327
1559
2095
1464
7445
6115
2598
8713
2714
1662
2606
1769
1287
1721
893
12652
3009
2698
1604
2918
2487
1448
14164
1336
1665
977
1629
5607
48581
15704
11112
21765
27797
54384
17267
56200
42488
170339
128428
99347
227775
31234
25199
37095
30628
12087
23345
12577
172165
29477
26839
25653
33207
31637
20318
167131
13678
21928
11136
19067
65809
803219
218136
121160
463923
449192
45143
14464
43998
34594
138200
108038
69422
177460
26117
21770
30892
23758
10347
19748
9861
142494
26005
22401
21509
28493
25393
18300
142101
9449
17966
8807
15235
51457
651710
182303
102291
367116
357575
16549
5467
19071
19776
60864
25527
26899
52426
10078
8750
11394
8006
3076
9449
2888
53641
9628
7254
8828
11400
9544
8176
54831
2291
9131
3585
7219
22226
243988
70646
37827
135516
147761
695
350
289
362
1696
607
375
982
447
281
342
391
140
355
171
2127
155
172
409
346
254
211
1547
107
355
131
304
897
7249
2747
927
3575
3829
60329
8622
20382
15603
104936
81074
28695
109769
17262
23847
27281
25121
7053
23525
5646
129735
13771
11347
11321
25085
5136
9306
75966
2380
10079
2383
9811
24653
445058
150362
55338
239358
178591
54146
7221
17503
14185
93055
67715
22893
90609
16008
20249
23079
22543
7083
21765
6206
116934
10058
10395
10587
19122
5293
4471
59926
2227
9317
2408
6901
20853
381376
131992
44868
204516
147257
3487
461
2527
1956
8431
17682
5881
23563
4427
5511
6082
4701
1330
4493
1425
27968
6708
6034
1147
5662
20
2904
22476
0
113
105
790
1007
83445
32019
18425
33002
35533
3222 114766
99342
2208
25968
21765
2983
76736
61654
2192
58172
48861
14625 324332 270743
7010 209586 175837
3383 128142
92415
10393 337727 268251
3710
48594
42223
2091
49076
42049
3209
64444
54039
2362
55787
46340
1747
19189
17479
2267
46926
41569
1154
18241
16085
16540 302256 259783
4438
43676
36491
4195
38449
33059
7001
37070
32191
4766
58649
47972
3345
36892
30805
3521
29661
22809
27266 244396 203326
1636
16100
11718
2349
32070
27346
1251
13561
11257
2628
29026
22283
7864
90757
72605
72668 1250779 1035587
27062 368987 314783
16744 177665 148326
28862 704127 572477
46392 629800 506847
20050
5936
21600
21751
84360
43219
32782
76000
14508
14261
17476
12706
4406
13942
4313
81612
16349
13290
9976
17072
9571
11089
77347
2309
9244
3701
8014
23268
327564
102676
56283
168605
183389
Sanctions
DisburAmount
No. Amount sement Outstanding
ALL UNITS
(AMOUNT ` IN LAKHS)
NOTE: 1. Term loans (net effective) represents cumulative figures at the end of Previous Year plus Gross Sanctions and Revivals of the Current Year less Cancellations pertaining to Current Years Sanctions
2. Amount Outstanding represents Principal and Interest and includes the amount involved in Loss Assets
3. * Indicates assistance to Central Backward Districts
200
299
599
366
1464
288
410
698
549
148
261
202
320
191
90
1761
1274
1325
4988
1502
604
1862
11555
193
329
143
695
1360
16838
8611
4705
3522
14766
SMALL SCALE UNITS

OTHER UNITS
Mini, Composite Loans &
General Loans
Fisheries Loans
Sanctions
Sanctions
Sanctions
Disbur- Amount
DisburAmount
DisburAmount
No. Amount sement Outstanding No. Amount sement Outstanding No. Amount sement Outstanding
REGION / DISTRICT-WISE CLASSIFICATION OF TERM LOANS SANCTIONED (NET EFFECTIVE) DISBURSED AND OUTSTANDING AS ON 31-03-2014
1
HYDERABAD
2 * KHAMMAM
3 * NALGONDA
4 * MAHABOOBNAGAR
TOTAL-I
5
RANGA REDDY
6 * MEDAK
TOTAL-2
7
GUNTUR
8
EAST GODAVARI
9
KRISHNA
10
VISAKHAPATNAM
11 * SRIKAKULAM
12
WEST GODAVARI
13
VIZIANAGARAM
TOTAL-3
14 * ANANTHAPUR
15 * KURNOOL
16 * NELLORE
17 * CHITTOOR
18 * CUDDAPAH
19 * PRAKASAM
TOTAL-4
20 * NIZAMABAD
21 * WARANGAL
22
ADILABAD
23 * KARIMNAGAR
TOTAL-5
TOTAL OF ANDHRA PRADESH
TOTAL OF COASTAL ANDHRA
TOTAL OF RAYALASEEMA
TOTAL OF TELANGANA
TOTAL OF BACKWARD DISTS
SL.
No.
TABLE - 16
75
Public Limited Companies
Private Limited Companies
Co-operatives
Partnership Concerns
Joint Hindu Family

Concerns
Sole Proprietory concerns
Others
TOTAL
CONSTITUTION
65419
43
46334
65
12978
132
5409
458
NO
805722
1695
242364
103
211501
6700
309464
33895
Amount
S.S.I
7249
24
3514
1277
57
1637
736
No.
445058
3727
85674
61
61751
6226
203668
83951
Amount
OTHERS
NET EFFECTIVE SANCTIONS
72668
67
49848
69
14255
189
7046
1194
No.
1250780
5422
328039
164
273252
12926
513132
117846
Amount
TOTAL
654211
1172
208311
35
170144
4357
239957
30235
Amount
SSI
381377
2023
89707
85
55376
5270
155752
73164
Amount
OTHERS
1035587
3195
298017
120
225520
9627
395709
103400
Amount
TOTAL
AMOUNT DISBURSED
Since Inception upto 31-03-2014
244119
50
84440
83
58509
1970
90027
9039
Amount
SSI
83445
473
1398
9826
2721
56147
12879
Amount
OTHERS
327564
523
85838
83
68335
4691
146174
21919
Amount
TOTAL
AMOUNT OUTSTANDING
(AMOUNT ` IN LAKHS)
CONSTITUTION-WISE CLASSIFICATION OF TERM LOANS SANCTIONED (NET EFFECTIVE) DISBURSED AND OUTSTANDING AS ON 31-03-2014
SL
No.
TABLE - 17
76
0
iv) Bridge Loans
GRAND TOTAL
1158
926
iii) Special capital
Sub Total
926
ii) Working Capital
i) Term Loans
Others:
iv) Bridge Loans

124
0
0
Sub Total
124
ii) Working Capital
i) Term Loans
Backward Classes:
31
iv) Bridge Loans
Sub Total
0
0
ii) Working Capital
31
i) Term Loans
Scheduled Tribes:
77
iv) Bridge Loans
Sub Total
77
0
No.
131534
119488
119488
5575
5575
1278
1278
5192
5192
Amount
GROSS
ii) Working Capital
i) Term Loans
Scheduled Castes:
Class
886
886
119
119
30
30
73
73
1108
No.
125148
114178
114178
5630
5630
1275
1275
4064
4064
Amount
EFFECTIVE
873
873
122
122
25
25
70
70
1090
No.
88276
79337
79337
5229
5229
999
999
2711
2711
328118
304909
108
243
304551
14119
69
14046
2559
15
2543
6532
90
18
6425
31/03/2014
As on
OUTSTANDING
(AMOUNT ` IN LAKHS)
Amount
DISBURSEMENTS
NOTE: AMOUNT OUTSTANDING REPRESENTS PRINCIPAL AND INTEREST AND INCLUDES AMOUNT INVOLVED IN LOSS ASSETS
No.
SL.
SANCTIONS
CLASS-WISE CLASSIFICATION OF LOANS SANCTIONED, DISBURSED DURING THE YEAR AND OUTSTANDING AS ON 31-03-2014
TABLE- 18
77
ABOVE 12 MONTHS AND UPTO 18 MONTHS
ABOVE 18 MONTHS AND UPTO 24 MONTHS
ABOVE 24 MONTHS
TOTAL
0 - 12 MONTHS
PARTICULARS
566
10
21
45
490
NO.
SSI
60568
1096
1507
11198
46766
AMOUNT
107
91
NO.
18483
47
536
1282
16617
AMOUNT
OTHERS
AGE-WISE UNDISBURSED COMMITMENTS AS AT 31-03-2014
No
SL.
TABLE - 19
673
11
27
54
581
NO.
79051
1143
2044
12481
63384
AMOUNT
TOTAL
( AMOUNT ` IN LAKHS)

TABLE-20
PERFORMANCE IN KEY RESULT AREAS (SANCTIONS,DISBURSEMENT,RECOVERY & PROFIT) SINCE INCEPTION OF THE CORPORATION TILL 31-03 -2014
(` in lakhs)
SANCTIONS
RECOVERIES
DISBURSEMENTS
Profit
YEAR
Gross for
Net
Recovery of
Interest
Int. Susp.
Total Amount
During the year
before tax
the year
Effective
Principal
Collected
Collected
Collected
A
B
C
D
E
F
G
H
I
1956-57
91.15
70.71
33.02
2.59
1.63
4.22
4.33
1957-58
35.85
43.20
18.24
1.90
2.04
3.94
5.55
1958-59
16.22
-24.11
26.04
10.51
2.57
13.08
6.15
1959-60
42.01
40.42
11.43
5.32
3.29
8.61
6.95
1960-61
55.06
37.94
27.50
14.04
4.78
18.82
6.48
1961-62
100.47
90.30
53.71
10.22
6.14
16.36
6.36
1962-63
78.99
39.39
46.96
10.89
9.03
19.92
8.07
1963-64
237.56
197.19
81.38
23.77
12.76
36.53
10.19
1964-65
129.86
116.46
135.49
53.43
17.08
70.51
12.47
1965-66
223.27
199.33
130.74
8.00
35.70
43.70
12.75
1966-67
155.34
136.20
197.46
67.05
36.92
103.97
14.86
1967-68
126.15
82.83
139.16
39.01
47.08
86.09
22.18
1968-69
102.86
155.71
131.02
37.02
57.91
94.93
25.76
1969-70
213.11
140.51
102.15
74.59
61.53
94.93
26.12
1970-71
331.23
291.51
202.09
29.87
70.20
100.07
31.42
1971-72
402.56
358.66
268.31
80.01
89.20
169.21
36.35
1972-73
652.92
558.69
327.55
108.23
106.89
215.12
45.02
1973-74
828.37
670.25
409.11
183.39
122.36
305.75
50.36
1974-75
993.32
817.76
611.15
235.78
165.76
401.54
74.62
1975-76
1318.47
1069.79
642.06
163.76
219.89
383.65
102.25
1976-77
585.29
1290.90
735.99
190.49
283.14
473.63
93.52
218.81
348.70
567.51
126.08
1977-78
3034.54
1839.70
1090.15
1568.68
1704.60
3232.09
727.84
Less: Interest suspense upto 31.3.1978 (Uncollected portion of Interest )
198.69
198.69
1978-79
3035.23
2714.57
1665.78
602.71
209.28
811.99
5.27
1979-80
3945.97
3532.32
2730.06
587.64
481.74
36.58
1105.96
80.47
1980-81
4763.38
4371.41
3089.13
789.74
749.99
32.61
1572.34
191.22
1981-82
6185.71
5461.02
3741.06
1128.83
1004.47
31.06
2164.36
345.54
1982-83
6998.85
5013.24
4517.30
1564.28
1299.83
26.52
2890.63
453.48
1983-84
7388.94
6316.26
4785.33
2098.80
1594.93
8.99
3702.72
493.88
1984-85
9073.91
6889.76
5937.20
2279.77
2095.41
7.47
4382.65
551.25
1985-86
10951.37
9355.23
7066.49
2892.28
2455.39
6.89
5354.56
546.91
1986-87
13534.23
11706.22
7807.11
3296.55
2668.77
1.75
5967.07
307.04
1987-88
13188.01
11660.76
10248.93
3644.94
3239.02
9.02
6892.98
443.25
1988-89
15099.85
15224.55
11323.56
4659.61
3826.35
8.71
8494.67
454.21
1989-90
21345.40
16059.90
12784.15
5496.27
4871.96
4.70
10372.93
790.04
1990-91
26529.53
23010.44
14473.91
6346.57
5170.86
0.03
11517.46
415.72
1991-92
21812.61
16750.68
15725.32
7037.76
6376.75
2.24
13416.75
302.19
1992-93
19464.95
9053.96
13252.69
7859.47
8080.21
3.64
15943.32
606.31
1993-94
9140.08
-9539.68
8206.70
10242.17
10265.19
1.77
20509.13
1619.65
1994-95
13882.91
10163.01
8772.58
12130.59
10870.99
0.17
23001.75
1530.74
1995-96
18690.02
9994.26
11680.76
10967.30
9162.51
20129.81
216.00
1996-97
16533.63
11676.10
11246.41
10403.48
9157.47
0.60
19561.55
301.12
1997-98
21415.77
15595.95
13185.21
11531.44
8661.95
20193.39
104.17
141.96
1998-99
28201.22
22393.74
16250.41
12873.93
9261.17
22135.10
1999-2000
37955.70
27674.89
26421.72
13769.77
10048.32
23818.09
247.28
2000-2001
39702.40
32238.30
28317.12
17597.78
11873.13
29470.91
268.08
2001-2002
41171.72
28170.15
30849.42
20000.44
13825.46
33825.90
113.76
2002-2003
41985.70
29970.72
30130.06
26362.97
14486.35
40849.32
369.19
2003-2004
43058.46
26728.35
28324.87
31960.03
13061.71
45021.74
601.44
2004-2005
46469.60
31012.17
34887.45
33110.55
12028.85
45139.40
690.96
2005-2006
58596.93
44851.48
42172.45
35218.91
12995.13
48214.04
783.63
2006-2007
70475.23
55365.15
52313.69
37117.83
14477.42
51595.25
815.25
2007-2008
100665.80
88022.17
66269.91
42171.82
20021.95
62193.77
1500.21
2008-2009
88566.89
75636.23
68569.63
44924.99
20883.24
65808.23
4458.08
2009-2010
105238.25
94772.26
70798.77
52803.98
25708.05
78512.03
9965.30
2010-2011
138638.08
120525.81
90435.47
61448.32
28789.82
90238.14
10028.02
2011-2012
136881.99
130107.96
93689.52
63613.61
33033.04
96646.65
11212.38
2012-2013
143011.56
129885.31
95141.40
61931.16
36967.63
98898.79
9809.52
2013-2014
131533.60
125147.81
88276.05
66814.18
40829.86
107644.04
9357.82
1524888.08
1255735.80
1040508.33
728849.15
412437.49
182.75
1141428.20
70849.18
TOTAL
* Amounts include those transferred from Andhra State Financial Corporation & Hyderabad State Financial Corporation
NB : 1. During the year 1978-79, the Corporation switched over to Cash System of accounting from Mercantile System. The uncollected portion of Interest upto
31.03.1978 has been deducted from the total interest collected from 1956-57 to 1977-78 and was transferred to interest suspense in the balance sheet.
2. The amounts collected out of interest suspense from 1977-78 onwards are also shown as recovery.
78
79
78512.03
RECOVERIES ( Principal+Interest )
12348
517
NUMBER OF EMPLOYEES
9965.30
NUMBER OF ACCOUNTS
OPERATING PROFIT:
C.
18851.55
199492.96
OPERATIONAL COSTS:
B.
28816.85
OUTSTANDING AMOUNT
OPERATIVE INCOME:
730452.92
Amount
A.
72667
Number
CUMULATIVE NET EFFECTIVE SANCTIONS:
70798.77
105238.25
2010
DISBURSEMENTS
SANCTIONS
Year ended 31st March
PERFORMANCE REVIEW FOR THE LAST 5 YEARS
498
10337
228193.36
10028.02
22215.33
32243.35
834186.24
73927
90238.14
90435.47
138638.08
2011
466
10190
258144.48
11212.38
25589.23
36801.61
938926.23
75077
96646.65
93689.52
136881.99
2012
456
9153
291179.12
9809.52
31326.70
41136.22
1024772.72
76744
98898.81
95141.40
143011.56
2013
405
10403
312603.01
9357.82
35981.77
45339.59
1119558.67
77727
107644.05
88276.05
131533.60
2014
(AMOUNT ` IN LAKHS)
Board of Directors as on 31.03.2014

SL.
No
80
NAME OF THE DIRECTOR
OCCUPATION AND
ADDRESS
BY WHOM
NOMINATED /
ELECTED
DATE OF
NOMINATION /
ELECTION
01. Sri T.S. Appa Rao, IAS (Retd.)

Chairman
Plot No.109, Prashashan

Nagar, Road No.72,
Jubilee Hills,
Hyderabad-500 033
Nominated by SIDBI
as Chairman.
18.04.2012
02. Sri V.Sridhar,

General Manager
S.I.D.B.I.,
SME Development Centre
Mumbai
Nominated by SIDBI
05.08.2013
03. Sri Satish Madhusudan

Karambelkar,
General Manager
S.I.D.B.I., 101,
Hermitage Office Complex,
1st Floor, Saifabad,
Post Box No. 130
Hyderabad - 500 004.
Nominated by SIDBI
28.06.2013
04. Sri MD Azeezuddin
S.D.M., LIC of India,

Secunderabad Divisional
Office, Behind NTR Stadium
Near Indira Park
Nominated by LIC of
India
12.06.2013
05. Sri Koteswara Rao SSR
403 & 404,

Golden Green Apartments
Erramanzil Colony
Hyderabad-500 082.
Elected by
Shareholders
27.04.2013
06. Sri K.Harish Chandra Prasad
H.No.8-2-674/B/4
Road No.12
Banjara Hills
Hyderabad-500 034.
Elected by
Shareholders
27.04.2013
07. Sri K.Narasimha Murthy,

3-6-365, 104 & 105,
Cost & Management Consultant Pavani Estate,
Himayatnagar
Co-opted Director
nominated by Board
07.07.2009
08. Sri M.B.N.Rao,

Former CMD of Indian Bank
and Canara Bank
A 404, Kundanbagh
Apartments,
3-6-1192, Sardar Patel Road,
Begumpet,
Hyderabad 500 016.
Co-opted Director
nominated by Board
11.02.2013
09. Sri T.Satyanarayana Rao, IAS

Managing Director
Flat No. 101

57/4 RT, Pratyusha Residency
Barkatpura
Hyderabad 500 027
Appointed by A.P.
State Government
07.01.2012
Details of Offices of APSFC

Telephone
No.
Department
Operations Zone I
Guntur, Vijayawada, Eluru,

Sri G. Kishore Babu
Rajahmundry,Vizag, Vizianagaram General Manager
and Srikakulam
9866599424
23203086
Ongole, Nellore, Tirupati,

Anantapur, Kadapa,
and Kurnool.
Sri K. Rambabu
General Manager
9866556703
23202551
Hyderabad, Nalgonda,
Mahaboobnagar, Khammam,
Warangal and Karimnagar.
Sri D. Suresam
Assistant General Manager
9866500329
23201646
Ranga Reddy (East),

Ranga Reddy (West),
Sangareddy, R.C.Puram,
Nizamabad and Mancherial.
Sri A. Nagaiah
Assistant General Manager
7702542323
[Andhra Pradesh Division]
Operations Zone I
[Telangana Division]
Operations Zone - II
[Telangana Division]
Head of the Department

Name / Cadre / Mobile
23201763
[Andhra Pradesh Division]
Operations Zone - II
Jurisdiction over District
BRANCH OFFICES
SL.
No
Branch
Address
Telephone No.
Landline/CUG
Branch Manager
Name/Cadre/Mobile
1. Mancherial
[Adilabad]
Plot No.414, Block No.4,

Kolli Bhavan,
Janmabhoomi Nagar,
Mancherial - 504 208.
email: adilabad@apsfc.com
08736-252567
9963528886
Sri D. Venkata Swamy

Branch Manager
9948827945
2. Anantapur
D.No.28/453-E-2,
Near Collectorate,
Behind Pennar Bhavan,
Ananthapur - 515 004
email: ananthapur@apsfc.com
08554-275511
9989334305
Sri V. Nancharaiah
Senior Branch Manager
9866458462
3. Kadapa
D.No.1/441,
T.Chandrasekhar Reddy Building,
R.T.C.Bus Stand Road to Rly.Stn.,
Patel Road, Kadapa - 516 001
email: kadapa@apsfc.com
08562-244421
9949358508
Sri B. Ambru Naik

Branch Manager
9959888946
81
82
4. Eluru
D.No.27-3-24/1,
Narasimharaopet,
Opp:S.Ps Office,
Eluru - 534 006
email: eluru@apsfc.com
08812-231037
9949358512
Sri YV Subrahmanyeswara
Rao,
9441069976
5. Guntur
1st Floor, Amulya Towers,

Ring Road, Chandramouli Nagar,
Guntur - 522 007
email: guntur@apsfc.com
0863-2350012
9949358511
Sri S.Srinivasa Mani

9908524179
6. Hyderabad
D.No.5-9-194,
Chirag Ali Lane, Abids,
Hyderabad - 500 001
email: hyderabad@apsfc.com
040-23204106
9618888491
Sri Y. Murali,
9959911382
7. Karimnagar
D.No.2-7-373, Mukkarampura,
Opp.Collector Complex,
Karimnagar - 505 002
email: Karimnagar@apsfc.com
0878-2243662
9949358504
Sri Sampath Kumar Katla

Branch Manager
9502620460
8. Khammam
D.No.9-3-71, 2nd Floor,

ERR Complex,
Station Road,
Khammam - 507 001
email: khammam@apsfc.com
08742-234566
9989334306
Sri S. Babu Goud

Branch Manager
9966652078
9. Kurnool
D.No.50/706-C, Gooty Road,

Opp: Birla Guest House,
B-Camp, Kurnool - 518 002
email: kurnool@apsfc.com
08518-229056
9989334304
Sri G. Padmasekhar Reddy

Branch Manager
9959090595
10. Mahaboobnagar
1st Floor, Vijayavandana Towers,

Opp.Post Office, Mettugedda
Mahaboobnagar - 509 002
email:mahabubnagar@apsfc.com
08542-242805
9949358509
Sri S. Padmakar Rao

Branch Manager
9247430455
11. Nalgonda
Ward No. 6, Block No.1

Boyawada, Ramgiri Area,
Nalgonda - 508 001
email: nalgonda@apsfc.com
08682-223322
9949358502
Sri P. Madhusudhan Reddy

Branch Manager
9849955628
12. Nellore
B12A, Industrial Estate,

GNT Road, Andhra Kesari Nagar,
Dargamitta, Nellore - 524 004
email: nellore@apsc.com
0861-2331600
9949358507
Sri P Ramakrishna Reddy

Asst. General Manager
9959988303
13. Nizamabad
6-2-136, Opp.Zilla Parishad,

Subashnagar,
Nizamabad - 503 002
email: nizamabad@apsfc.com
08462-237267
9989334302
Sri B.V. Krishna Reddy

Branch Manager
7893107679
14. Ongole
37-1-406(4),
1st Lane, Bhagyanagar
Ongole - 523 001
email: ongole@apsfc.com
08592-233029
9989334307
Sri A.V.Subba Rao

9959888571
15. Ramchandrapuram D.No.22-95, Reddy Complex,

Main Road, Besides LIC Office,
R.C.Puram, Hyderabad - 500032
email: rcpuram@apsfc.com
08455-280006
9949358505
Sri P. Jagadish Kumar

9440410693
16. Rajahmundry
D.No.25-8-1,
Korukonda Road,
Andhra Bank Complex,
Jaya Krishna Puram,
Rajahmundry - 533 105
email: rajahmundry@apsfc.com
0883-2442766
9949358513
Sri I.B.K. Prasad

9000550463
17. R.R.East
D.No.5-9-194,
Chirag Ali Lane,
Hyderabad - 500 001
email: rreast@apsfc.com
040-23204820
9618888492
Sri B. Krishnaiah
9959888574
18. R.R.West
D.No.5-9-194,
Chirag Ali Lane,
Hyderabad - 500 001
email: rrwest@apsfc.com
040-23203615
9618888493
Sri A. Shivanandam
9849294662
19. Sangareddy
3-4-21,
Main PWD Road,
Opp.Uco Bank,
Sangareddy - 502 001
email: sangareddy@apsfc.com
08455-276719
9989334303
Sri V. Satyanarayana,
Branch Manager
9246543306
20. Srikakulam
Plot No.377, 8th Lane

P.N. Colony
Srikakulam - 532001
email: srikakulam@apsfc.com
08942-271756
9949358515
Sri R. Satyanarayana
Branch Manager
9963038484
83
84
21. Tirupathi
D.No.2-2-388/B,
Narasimhateertham Road,
Near LIC Office
Tirupathi - 517 502
email: tirupathi@apsfc.com
0877-2260792
9949358506
Sri K. Purushotham
9959090391
22. Vijayawada
D.No.40-15-9/13, 4th Floor,

Nandamuri Road, Brundavan
Colony, Labbipet,
Vijayawada - 520 010.
email: vijayawada@apsfc.com
0866-2477762
9949358510
Sri V. Sivarama Krishna

9866556711
23. Visakhapatnam
D.No.52-14-77/1,
Adj.to CRR Telecom Complex,
New Resapuvaripalem,
Seethamadara,
Visakhapatnam - 530 013
email: vishakhapatnam@apsfc.com
0891-2552574
9949358514
Sri K.Hari Babu,

Asst. General Manager
9908524189
24. Vizianagaram
D.No.20-21-6, Plot No.1,

2nd Floor,
Simhadri Nagar 100ft Ring Road,
Near Sri Saibaba Temple,
Vizianagaram - 535 002
email: vizianagaram@apsfc.com
08922-224685
9989334308
Sri G.Satya Murthy

Branch Manager
8008801950
25. Warangal
D.No.7-1-4,
Beside District Library,
Balasamudram,
Hanamkonda- 506 001
email: warangal@apsfc.com
0870-2572229
9949358503
Sri T. David Solomon

Branch Manager
9848903894
ANDHRA PRADESH STATE FINANCIAL CORPORATION

D.No.5-9-194, Chirag Ali Lane, HYDERABAD - 500 001.
Ph : 23201646, 23202550 to 2553. Fax : 040-23200174/23202972
FORM OF PROXY
I/We_____________________________of
____________________________________
being
shareholder of Andhra Pradesh State Financial Corporation holding shares Nos._____________hereby

appoint________________________________________of __________________________________________
____________(or failing him/her __________________________________of________________________ )
as my/our proxy to vote for me/us and on my/our behalf at the 58th Annual General Meeting of the Share
Holders of the Corporation to be held at 11.00 a.m., on Saturday, the 26th July, 2014 at the Head
Office of the Corporation at 5-9-194, Chirag Ali Lane, Hyderabad - 500 001, Andhra Pradesh and at any
adjournment thereof.
Dated this ____________day of July, 2014.
Affix
Rs.1/Revenue
Stamp
Signature of the Shareholder
Note : a) If a shareholder is unable to attend the meeting, he/she may sign this form and send it to
the Chief General Manager (F&A), A.P. State Financial Corporation, Head Office, Chirag Ali
Lane, Hyderabad, so as to reach him two clear days before the date of meeting.
b) This form should be signed across the stamp as per specimen signature registered with the
Corporation.
85
86

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Corporate Governance

T.S. Appa Rao, IAS (Retd.)

J.S.V. Prasad, IAS

Satish Madhusudan Karambelkar

Koteswara Rao SSR

General Manager, SIDBI, Mumbai

Sr. Divisional Manager, LIC of India

K. Harish Chandra Prasad

58th Annual Report 2013 - 2014

General Manager, SIDBI, Hyderabad

Cost & Management Consultant

Chief General Manager

Andhra Pradesh State Financial Corporation

Assistant General Managers

Deputy General Managers

Dr. PS Rajeswara Prasad

Ch. Anil Kumar

SK. Ghouse Basha

V.P. Arun Mohzi

Y.N. Rajendra Kumar

From Managing Directors Desk ..............................................................

Notice to Shareholders ............................................................................

Directors Report .....................................................................................

Annual Accounts and Financial Statements

Balance Sheet .................................................................................

Profit & Loss Account .......................................................................

Cash Flow Statement .......................................................................

Business, Sources and Uses of Funds ................................................

Details of Bonds Maturity .........................................................................

Tables on Corporate Performance ............................................................

58th Annual Report 2013 - 2014

Andhra Pradesh State Financial Corporation

58th Annual Report 2013 - 2014

outflows and pressure on the exchange rate, but

and its impact on the industry. As Chairman of the

Weaknesses remain, however, and include persistent

Corporation, I am privileged to report yet another

inflation, fiscal imbalances, bottlenecks to investment

satisfactory performance of the Corporation in spite

and inefficiencies that require structural reforms.

of the Administrative uncertainties prevailing before

58th Annual Report 2013 - 2014

The governments initial estimates peg the growth

Andhra Pradesh State Financial Corporation

performance in industry and services. However, there

Rs.40.14 crore during current year, after making

is the threat of escalation of conflict in Iraq with its

necessary provisions towards taxation, provision for

likely impact on fuel prices and inflation. Another

major concern is the monsoon. As we all know that

The Capital Adequacy Ratio [CAR] stood at 13.26%,

The year just concluded saw the State bifurcated into

two. Industrial and Business activity was affected due

bring down the NPAs during 2014-15 by improving

to prolonged political uncertainty and unrest. The

performance of the banking sector was adversely

organising the Corporation consequent upon

The Board of Directors with diverse and rich

During the Financial Year 2013-14, the Corporation

The Corporation has initiated the process of Re-

The Corporation is determined to

Rs.882.76 crore as against Rs.1430.12 crore and

experience have laid down clear cut policies and

Rs.951.41 crore respectively during the previous