Statement of Cash Flow

	Company		Group
For the year ended 31st March	2014	2013	2014	2013
	Rs.	Rs.	Rs.	Rs.
Cash flow from operating activities
Interest receipts	5,786,355,711	4,154,193,935	5,786,355,711	4,154,193,935
Commission receipts	165,333,038	114,708,002	165,333,038	114,708,002
Other income receipts	59,600,783	106,833,228	59,600,783	106,833,228
Interest payments	(3,251,950,602)	(2,070,883,097)	(3,251,950,602)	(2,070,883,097)
Fee and business promotion expenses	(64,973,151)	(62,884,584)	(64,973,151)	(62,884,584)
Employee-related payments	(491,755,275)	(343,678,781)	(491,755,275)	(343,678,781)
Supplier payments	(616,951,912)	(154,777,607)	(616,951,912)	(154,777,607)
Financial expenses	(24,560,204)	(17,148,050)	(24,560,204)	(17,148,050)
Operating profit before changes in operating assets	1,561,098,388	1,726,363,046	1,561,098,388	1,726,363,046
(Increase)/decrease in operating assets
Investments in licensed commercial banks and other financial institutions	(1,261,652,466)	(832,681,347)	(1,261,652,466)	(832,681,347)
Investments in Government Securities	(771,936,768)	(374,632,094)	(771,936,768)	(374,632,094)
Net funds advanced to customers	(6,613,344,388)	(6,169,188,965)	(6,613,344,388)	(6,169,188,965)
Changes in other short-term assets	(192,953,232)	(174,615,468)	(192,953,232)	(174,615,468)
Inventories	27,240,730	(212,632,452)	27,240,730	(212,632,452)
	(7,251,547,736)	(6,037,387,280)	(7,251,547,736)	(6,037,387,280)
Increase/(decrease) in operating liabilities
Borrowings	638,301,070	586,438,656	638,301,070	586,438,656
Deposits from customers	6,445,567,918	5,808,594,701	6,445,567,918	5,808,594,701
	7,083,868,988	6,395,033,357	7,083,868,988	6,395,033,357
Net cash generated from/(used in) operations	(167,678,748)	357,646,077	(167,678,748)	357,646,077
Gratuity paid	(827,877)	(493,460)	(827,877)	(493,460)
Taxation	1,062,256	31,338,880	1,062,256	31,338,880
Net cash generated from/(used in) operation	(167,444,369)	388,491,497	(167,444,369)	388,491,497
Cash flow from investing activities
Dividend receipts	7,068,000	3,684,000	7,068,000	3,684,000
Net investment in debentures	–	(4,000,000)	–	(4,000,000)
Purchase of property, plant & equipment and intangible assets	(469,608,960)	(220,758,047)	(469,608,960)	(220,758,047)
Proceeds from sale of property, plant & equipment	4,531,247	2,062,499	4,531,247	2,062,499
Net cash flow (used in)/from investing activities	(458,009,707)	(219,011,548)	(458,009,707)	(219,011,548)
Cash flow from financing activities
Dividend paid	(149,339,319)	(59,820,560)	(149,339,319)	(59,820,560)
Net change in debentures	912,954,524	–	912,954,524
Net cash inflows/(used in) financing activities	763,615,205	(59,820,560)	763,615,205	(59,820,560)
Net increase in cash and cash equivalents	138,161,129	109,659,389	138,161,129	109,659,389
Cash and cash equivalents at the beginning of the year	60,925,730	(48,733,659)	64,261,256	(45,398,133)
Cash and cash equivalents at the end of the year	199,086,859	60,925,730	202,422,385	64,261,256
Cash and cash equivalents at the beginning of the year
Cash at bank and in hand	205,326,279	121,343,098	208,661,805	124,678,624
Bank overdraft	(144,400,549)	(170,076,757)	(144,400,549)	(170,076,757)
	60,925,730	(48,733,659)	64,261,256	(45,398,133)
Cash and cash equivalents at the end of the year
Cash at bank and in hand	462,555,296	205,326,279	465,890,822	208,661,805
Bank overdraft	(263,468,437)	(144,400,549)	(263,468,437)	(144,400,549)
	199,086,859	60,925,730	202,422,385	64,261,256

Notes to the Financial Statements form an integral part of these Financial Statements.

Figures in brackets indicate deductions.