Sealed tender Auction Notice-SIRASAPALLI SATYANARAYANA Sealed tender Auction Notice-SUKHAVASI NAGESWARAMMA Sealed tender Auction Notice-SURAVARAPU THANUSHA Sealed tender Auction Notice-M S RAMAYYA CONSTRUCTIONS PVT LTD NOTIFICATION FOR RECRUITMENT OF MANAGER - HR Application FOR RECRUITMENT OF MANAGER-HR Members mediclaim wealfare Scheme booklet Proposed Auction Notice Cybersecurity Tips Secured Assets Possessed under SARFAESI ACT PROFIT & LOSS-2023-24 BALANCE SHEET-2023-24 RESERVE BANK - INTEGRATED OMBUDSMAN SCHEME, 2021 V.C.Bank has anounced 12% Dividend to its share holders for the financial year 2023-2024 Attention Customers!!VCB Never asks for card/pin/otp/cvv details. Do not share these with any one.Do not click on unknown links received on mobile/Email POLICY FOR APPOINTMENT OF STATUTORY CENTRAL AUDITORS/STATUTORY AUDITORS OF THE BANK Facility for cancellation of ECS Mandates Co-operative Societies-True democratic institutions Self help & Mutual help-Co-operative cause of concern Co-operation - Mankind natural phenomena Country's future relies on Co-operativeness The Biggest Multi State Co-Operative Bank in South India

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Financial Information

  1. About us
  2. Financial Information

Financial growth

The business fundamentals of the bank are very strong. This can be seen from our growth charts as well as our growing customer base. The Banks Capital Reserve Adequacy Ratio (CRAR) stood at  21.95%, Gross NPAs are  2.29%, and Net NPAs are 0% at the end of last financial year (31 March 2024). The Deposits of the banks crossed over Rs. 4148.30 Crores and Loans & Advances about Rs. 3199.24 Crores by 31 March 2024. The business turnover is about Rs.7347.54 crores.

Financial Indicators

Financial Indicators ( Rs in Crores)
S.NO Items 31/03/2023 31/03/2024
1 Deposits 3928.85 4148.30
2 Loans 3052.82 3199.24
3 Share Capital 305.43 352.61
4 Reserves and surplus 388.71 431.30
5 Net Worth 524.52 616.45
6 Investments 1427.01 1561.78
7 Profit 73.14 87.79
8 Working Capital 4757.74 5078.22
9 Net Npa Percentage 1.22% 0
10 Net Npas  36.01 0
11 CRAR 21.30% 21.95%
12 No.of Branches 50 50
13 No.of Extention Counters NIL NIL
14 No.of Employees 513 518
15 No.of. Members 97122 104865
16 Permissible Credit Exposure Limit - -
17 Single borrower credit exposure limit    
18 Group borrower credit exposure limit    

Growth Table: The growth of the bank for the last 10 years

Rs. In Lakhs
Year “A” Class members Share Amount Deposits Growth % Loans Growth % Reserves Profit Div/ Int on SCA
2014-15 53733 11647.38 210835 10.63 143312 13.37 9132.64 2396.58 15%
2015-16 60177 14338.62 225608 7.00 147199 2.71 10053.41 2932.85 15%
2016-17 68783 17338.32 253156 12.21 173722 18.02 11795.77 3128.86 12%
2017-18 75298 19348.40 273056 7.86 197065 13.44 14588.45 3370.51 12%
2018-19 82229 21556.27 311013 13.90 213939 8.56 18664.87 3723.50 12%
2019-20 87863 24119.20 352268 13.26 237886 11.19 22164.98 3410.95 Not Declared /paid due to Covid-19 resturctions by RBI
2020-21 90776 25140.37 385359 9.39 271943 14.31 26073.20 4511.12 10%
2021-22 92200 27200.00 388928 0.93 286354 5.30 32190.10 6680.95 10%
2022-23 97122 30543.03 392885 1.02 305282 6.61 38871.09 7313.54 12%
2023-24 104865 35260.91 414830 5.58 319924 4.80 43129.99 8779.15 12%
Growth Chart (Deposits) :

The growth of deposits for the last 10 years

Growth Chart (Loans) :

The growth of Loans for the last 10 years.

Growth Chart (Loans & Deposits) :

The growth of Loans & Deposits for the last 10 years.

Growth Chart (Profits) :

Profit for Last 10 Years