Uttarakhand Gramin Bank-Financial Analysis

Finacial Year	Net Profit (after tax)	Gross NPA (Amount)	Gross NPA (%)	Net NPA (Amount)	Net NPA (%)	ROA %	ROE %	NIM
30.09.25	45.43	168.02	3.50%	2.84	0.06%	0.92%	17.24%	4.07%
31.03.25	78.11	148.86	3.25%	0.00	0.00%	0.87%	16.21%	4.16%
31.03.24	75.26	155.20	4.14%	0.69	0.02%	0.92%	18.64%	4.23
31.03.23	43.78	171.89	5.46%	45.07	1.50%	0.60%	14.72%	4.12
31.03.22	6.82	201.16	7.21%	80.69	3.04%	0.10%	2.69%	3.85
31.03.21	1.57	203.87	7.85%	93.49	3.79%	0.03%	1.15%	3.61
31.03.20	-79.24	180.52	7.44%	81.67	3.53%	-1.39%	-59.82%	3.32

FY	Deposits	CASA Deposits	CASA %	Advances	Total Business	CD Ratio	No. of branches	No. of staff
30.09.25	8777.71	4987.23	56.82%	4796.04	13573.7	54.64%	294	1132
31.03.25	8470.50	4891.30	57.75%	4577.95	13048.45	54.05%	291	1025
31.03.24	7833.62	4567.81	58.26%	3747.64	11581.26	47.84%	290	999
31.03.23	7117.76	4140.29	58.17%	3147.40	10265.16	44.22%	288	1091
31.03.22	6485.54	3764.38	58.04%	2790.81	9276.35	43.03%	286	1054
31.03.21	6005.01	3418.20	56.92%	2596.29	8601.30	43.24%	286	1062
31.03.20	5469.76	3075.93	56.24%	2427.70	7897.46	44.38%	286	1110

FY	Govt. Securities	Other securities	Mutual Fund	TDRs
30.09.25	3618.24	25.21	37.74	55.14
31.03.25	3620.5	25.21	52.74	44.37
31.03.24	3382.32	25.40	52.51	23.99
31.03.23	3382.32	25.60	37.29	11.70
31.03.22	3223.36	25.79	18.04	11.13
31.03.21	2840.55	25.99	17.85	15.02
31.03.20	2432.43	26.18	42.68	16.68

Financial Analysis