आपली संस्था आर्थिक दृष्ट्या सक्षम आहे का ?
Is your society financially sound?
आदर्श प्रमाण · Ideal Ratios
Is Your SocietyFinancially Sound?
The benchmark ratios we use when reading a credit society's books — what a healthy expenditure mix, income mix, liability structure and asset structure should look like. Put your own figures beside them.
जय सहकार…!
Three questions for every board
जोखीम व्यवस्थापन योग्य पद्धतीने आहे का ?
Is risk being managed the right way?
योग्य आर्थिक नियोजन करा आणि संस्थेला आदर्श स्तरावर आणा.
Put proper financial planning in place and bring the society to the ideal standard.
आदर्श प्रमाण · Ideal Ratios
Benchmark your society against the ideal
These are the proportions a well-run credit co-operative society should show. Type your own figures into the वास्तविक प्रमाण column and the gap against each benchmark appears beside it. Nothing you enter leaves your browser.
A
खर्च विवरण
Expenditure
Ideal profit & loss statement — where every rupee of cost should sit
| विवरण / Particulars | आदर्शIdeal | वास्तविकYours |
|---|---|---|
| ठेवीवरील दिलेले व्याजInterest paid on deposits | 55% | % |
| ओ.डी. / कर्जावरील दिलेले व्याजInterest on OD / borrowings | — | % |
| व्यवस्थापन खर्चManagement cost | 30% | % |
| 1) प्रशासकीय खर्चAdministrative cost | 15% | |
| 2) आस्थापना खर्चEstablishment cost | 15% | |
| तरतुदीProvisions | 5% | % |
| शुद्ध नफाNet profit | 10% | % |
| एकुण / Total | 100% |
B
उत्पन्न विवरण
Income
Ideal income mix — where earnings should come from
| विवरण / Particulars | आदर्शIdeal | वास्तविकYours |
|---|---|---|
| कर्जावरील प्राप्त व्याजInterest received on loans | 60% | % |
| गुंतवणुकीवरील प्राप्त व्याजInterest received on investments | 25% | % |
| इतर उत्पन्नOther income | 15% | % |
| एकुण / Total | 100% |
C
देयता विवरण
Liabilities
Ideal balance sheet — the liabilities side
| विवरण / Particulars | आदर्शIdeal | वास्तविकYours |
|---|---|---|
| भागभांडवलShare capital | 5% | % |
| राखीव व इतर निधीReserves & other funds | 7% | % |
| ठेवीDeposits | 80% | % |
| बँक ओ.डी. / कर्जBank OD / borrowings | — | % |
| इतर देणेOther payables | 6% | % |
| निव्वळ नफाNet profit | 2% | % |
| एकुण / Total | 100% |
D
संपत्ती विवरण
Assets
Ideal balance sheet — the assets side
| विवरण / Particulars | आदर्शIdeal | वास्तविकYours |
|---|---|---|
| रोख व बँक शिल्लकCash & bank balance | 1% | % |
| SLR गुंतवणूक व निधी गुंतवणूकSLR & fund investments | 30% | % |
| कर्ज व अग्रीमLoans & advances | 66% | % |
| स्थावर मालमत्ताFixed assets | 2% | % |
| इतर येणेOther receivables | 1% | % |
| एकुण / Total | 100% |
Higher than the benchmark is healthyLower than the benchmark is healthyAll other lines should sit close to the ideal figure.
आमची सेवा · Our Service
Struggling to hold your statements at the ideal proportions?
आदर्श प्रमाणात संस्थेचे आर्थिक पत्रक राखण्यास काही अडचणी व प्रश्न असल्यास संपर्क करावे — if holding your financial statements to these proportions is proving difficult, that is exactly the conversation to have with us.
- सहकारी व्यवस्थापन सल्लाCo-operative management advice
- धोरणात्मक आर्थिक नियोजनStrategic financial planning
- कायदेशीर व प्रशासकीय मार्गदर्शनLegal and administrative guidance
“सहकार ही केवळ आर्थिक चळवळ नसून सामाजिक परिवर्तनाची शक्ती आहे.
Co-operation is not merely an economic movement — it is a force for social transformation.