NPA/CRAR Reports

NPA

To safeguard the deposits of public, the Reserve Bank of India fixed NPA norms to all Banks which comes under their control. The NPA particulars of the Bank are detailed as below:

Year	Total Advances (Rs.in Lakhs)	Advance on NPA	Gross NPA (%)	Net NPA (%)
2022-23	8505.38	1333.90	15.68	3.55
2021-22	9872.43	1661.01	16.82	6.31
2020-21	11377.72	1436.84	12.63	3.61
2019-20	12404.84	1359.26	10.96	5.88
2018-19	12352.37	1401.15	11.34	6.71

CRAR

The stability and survival of the Bank can be constructed with the CRAR (Capital Risk to Assets Ratio) of any Bank. The minimum CRAR level needed is 9% as per the directives of Reserve Bank of India. The CRAR percentage of the Bank for the past 3 years is shown here-under:

Year	Amount (Rs.in Lakhs)
31.03.2023	10.73%
31.03.2022	2.46%
31.03.2021	-0.73%