N.P.A.

STAEMENT 2020-2021
THE WEST BENGAL STATE CO OP. BANK LTD.
SILIGURI BRANCH, HILL CART ROAD, SILIGURI,734001
A/C NO DISBURSE RATE OUTSTANDI
D AMT. NG AS ON
NAME TYPE OF LOAN D.O.S LIMIT SECURITY OF INTT 31.03.2021
101004679343 SATYABRATA SEN OD AGAINST TDR/RD 07.11.2019 1000000 TDR Rs.1300000 7.75% 331107.14
101005062273 DEBARGHYA DAS OD AGAINST TDR/RD 15.06.2019 425000 TDR Rs.500000 8.30% 417978.04
101005503978 NAREN DAS OD AGAINST TDR/RD 19.10.2020 60000 TDR Rs.70881 7.60% 47815.08
129350027032 SANJIT ENTERPRISE OD AGAINST TDR/RD 01.01.2020 473000 TDR Rs.557436 7.75% 158465.06
101008508883 MR. JAYANTA DUTTA OD AGAINST LIP 18.09.2018 58000 LIP. S.V.Rs.77527 11.00% 7765.58
101003862410 SIKHA SENGUPTA 363.44
101011465094 ASHOK KUMAR GHOSH OD AGAINST TDR 26.02.2021 255000 TDR Rs.300000 7.10% 255363.44
TDR.Rs.82521,NSC
MR. JAYANTA DUTTA Rs.60000.00, LIP SV.
101008910765 OD AGAINST TDR/RD/LIP/NSC 22.01.2020 209800 Rs.147500.00 10.50% 210163.44
1429021.22

101000237466 PRAMOD KUMAR DEY STAFF OVERDRAFT 19.02.2020 475000 9% & 11% 291390.00
101001258884 MANOTOSH SAHA STAFF OVERDRAFT 21.08.2019 356000 9% & 11% 458961.22

129350045880 HARI BHUSON SARKAR STAFF OVERDRAFT 03.08.2019 600000 9% & 11% 596180.38
1346531.60
SECURITY
 STDR Rs.120448.00, LIP

S.A. Rs.300000.00, DEED

BHAGAWATI STORES
NO.698

101003755894 CASH CREDIT IND. 03.10.2020 3000000.00 VALUE.Rs.9585000.00 12.25% 2986576.07

129350013596 NEO DRUG DISTRIBUTORS CASH CREDIT IND. 27.12.2011 300000.00 STDR Rs.194750.00 13% 300060.00
STDR Rs.1645125.00, DEED

PRASAD MEDICAL MART NO.I-2047/2019, VALUE

129350014012 CASH CREDIT IND. 17.10.2020 4000000.00 Rs.3927000.00 11.50% 3111815.59

STDR Rs.1345608.00 LIP
ANANDA PAPER HOUSE
129350019076 CASH CREDIT IND. 07.01.2021 1200000.00 S.A.Rs50000.00 10.75% 1341554.30 
129350022498 SHREE KISHAN HIMGHAR CASH CREDIT IND. 11.03.2021 28500000.00 9.25% 28500363.44
129350022501 SHREE KISHAN HIMGHAR CASH CREDIT IND. 11.03.2021 57500000.00 9.25% 28633076.44
STDR Rs.110359.00 LIP (9)
BABA LOKENATH CONSTRUCTION
101007993426 CASH CREDIT IND. 06.07.2020 600000.00 S.V. Rs.462605.00 10.75% 600363.44 
STDR RS.371556.00 DEED
JASHOMATI JEWELLERY PALAC NO.I-1299
101008840912 CASH CREDIT IND. 20.02.2021 1600000.00 VALUE.7000000.00 12% 684486.58
STDR. Rs.808583.00, DEED
UTPAL KUMAR GHOSH NO.2066
129350033205 CASH CREDIT IND. 25.02.2021 4000000.00 VALUE.3600000.00 10.50% 3998718.46 
232663.00 DEED NO.5286
ALOKE CHAKRABORTY
101005483112 CASH CREDIT IND. 12.03.2021 1200000.00 VALUE Rs.899999.00 12.00% 892182.96 
STDR Rs.50000.00DEED
M/S. PARESH CHANDRA BASAK &
101008598095 NO.1510, VALUE
CO
CASH CREDIT IND. 03.10.2019 400000.00 Rs.2421023.00 11.25% 99699.04 
LIP. S.A. Rs500000.00,STDR

Rs.322077.00,DEED NO. I-
LIBERALENGINEER CONSTN.
581/2016 VALUE

101003749722 CASH CREDIT IND. 11.08.2020 2000000.00 Rs.1200000.00 12.00% 1325775.58

65542153.70
 20 STDR Rs.5393021.00
DEEDNO.5474
JEWEL CO OP. LAB CONT. & CONSTN.
VALUE.Rs.2975000.00,
SOC LTD
2NOS LIP.
129350015764 CASH CREDIT SOC. 03.10.2020 10500000.00 S.A.Rs.250000.00 12.25% 10500363.44
PIPRAGACHI CO-OP. LABOUR DEED NO.J 29/2017
101008635641 CONTRACT CASH CREDIT SOC. 15.10.2020 1200000.00 VALUE.Rs.2000000.00 11.50% 1126114.46
KAWAKHALI SANGINI DRESS STDR Rs.50000.00, DEED
DESIGNING CLUSTER IND. CO OP.
SOC. LTD. CASH CREDIT SOC. 11.02.2020 1200000.00 VALUE Rs.1080000.00 12.00% 1200363.44
101010154179
129350007774 LINK ENGINEERS COOP CASH CREDIT SOC. 757014.47
DEED VALUE Rs72000.00
YOUNG ENGINEERS COOP
129350007785 CASH CREDIT SOC. AS ON 13.03.1984 2501740.93
129350009283 COLLABORATE ENGINEERS CASH CREDIT SOC. 5910187.98

129350018164 UNIQUE ENGINEERS COOP CASH CREDIT SOC. 1080364.01

23076148.73
PARTHA BISWAS & MOHUA BISWAS
129350048983
GOVT HBL 07.07.2010 1143415 10.25% 208483.00
101000974997 Mr. NIMA SHERPA GOVT HBL 04.09.2012 1570485 10.25% 777366.00
101000506145 Mrs. ROMA ROY (SHARMA) GOVT HBL 23.05.2012 628323 10.50% 380832.00
1366681.00
101003829198 Mr. ALAY CHAKRABORTY PERSONAL LOAN 21.10.16 150000 14.00% 26461.00
101005354153 SK GIASUDDIN PERSONAL LOAN 25.09.17 400000 14.00% 131603.00
101005662634 Mrs. SAMPA ACHARYA PERSONAL LOAN 09.01.18 80000 14.00% 35508.00
101006088723 Mrs. MALATI ROY (MITRA) PERSONAL LOAN 02.05.18 400000 14.00% 207839.00
101006208021 Mr. SAMIT DHAR PERSONAL LOAN 17.05.18 400000 14.00% 204316.00
101006276024 Mrs. BARNALI SENGUPTA PERSONAL LOAN 02.06.18 390000 14.00% 209115.00
101008015162 TULU ROY PERSONAL LOAN 06.08.18 260000 14.00% 147462.00
101008497075 Mrs. PRABHATI ROY PERSONAL LOAN 14.09.18 400000 14.00% 231613.00
101008612680 Mr. GOBINDA KUMAR DAS PERSONAL LOAN 01.11.18 200000 14.00% 41249.00
101008615024 Mrs. SHIVANI ROY PERSONAL LOAN 01.11.18 400000 14.00% 247279.00
101008896603 Mrs. MAMPI DAS PERSONAL LOAN 21.01.19 160000 14.00% 93884.00
101009280276 Mr. SUDHANGSHU BOSE PERSONAL LOAN 19.06.19 300000 14.00% 215282.00
101009415342 Mr. PARAG KR MONDAL PERSONAL LOAN 24.07.19 200000 14.00% 145960.00
101009651141 Mr. SOUMITRA CHANDRA NEOGY
PERSONAL LOAN 06.09.19 500000 14.00% 383384.00
101009762894 Mr. SANJEEB KARJEE PERSONAL LOAN 03.10.19 500000 14.00% 391244.00
101010051093 Mr. PROBIR KUMAR BARMAN PERSONAL LOAN 06.01.20 250000 14.00% 205542.00
101010053534 Mr. BIMAL KUMAR SAHA PERSONAL LOAN 06.01.20 500000 14.00% 457391.00
101010105278 Mrs. PIYANKA DEY PERSONAL LOAN 24.01.20 200000 14.00% 162829.00
101010232036 Mr. UTPAL KUMAR BARMAN PERSONAL LOAN 04.03.20 500000 14.00% 413646.00

101005175888 Mr. SUBHASH CHANDRA BARMAN

PERSONAL LOAN 10.08.17 400000 14.00% 140748.00
129350018540 Mr. SUBRATA GHOSH PERSONAL LOAN 09.03.04 3827.00
4096182.00

SECURITY
101004775751 Mr. BAIDYA NATH GHOSH LOAN AGAINST NSC/LIP 05.05.17 50000 LIP S.V. Rs.66800.00 11.50% 26268.00
101009178115 Mr. PRAMOD KUMAR DEY LOAN AGAINST NSC/LIP 08.05.19 5600 LIP S.V. Rs.7492.00 11.00% 6884.00
33152.00
129350025794 SUNIL BISWAS CONSUMER LOAN 05.08.00 22500.00
PRANAB KUMAR CHATTOPADHYAY
129350025807
CONSUMER LOAN 16.02.01 19704.00
SECURITY 42204.00
101004117861 SHREE KISHAN HIMGHAR LONG TERM LOAN 16.02.2017 65000000.00 9.25% 35000000.00
101002527653 SHREE KISHAN HIMGHAR LONG TERM LOAN 21.03.2015 40000000.00 STDR Rs.1464617.00 9.25% 6000000.00
101009779455 SRI RAM AGRO STORAGE LONG TERM LOAN 40000000.00 15000000.00
56000000.00
SECURITY
101010241187 Mrs. MAMPI PAUL LOAN AGAINST TDR/RD 06.03.20 24900 STDR Rs.29355.00 7.60% 26993.00
Mrs. NANDITA SARKAR BASAK
101010261624 LOAN AGAINST TDR/RD 12.03.20 33000 STDR Rs.45000.00 7.50% 35692.00
101010546202 Mr. DEBASISH GHOSH LOAN AGAINST TDR/RD 19.06.20 45000 STDR Rs.100000.00 7.60% 47734.00
101010752511 Mr. PRAMOD KUMAR DEY LOAN AGAINST TDR/RD 15.07.20 14000 STDR Rs.17000.00 8.00% 14812.00
101010806104 Mr. SHYAMAL MUKHERJEE LOAN AGAINST TDR/RD 30.07.20 8000 STDR Rs.10000.00 8.30% 7685.00
101010818462 Mr. PRAMOD KUMAR DEY LOAN AGAINST TDR/RD 06.08.20 44000 STDR Rs.52000.00 8.00% 46334.00
101010880757 Mr. SURAJ RAY LOAN AGAINST TDR/RD 03.09.20 120000 STDR Rs.157774.00 7.60% 125317.00
101010964398 BEJOY KUMAR DEBSARMA LOAN AGAINST TDR/RD 24.09.20 74000 STDR Rs.87421.00 8.30% 77217.00
101011022540 Mr. SANTANU GUHA LOAN AGAINST TDR/RD 06.10.20 680000 STDR Rs.800000.00 7.00% 703278.00
101011022641 Mr. SANTANU GUHA LOAN AGAINST TDR/RD 06.10.20 170000 STDR Rs.200000.00 7.50% 176239.00
101011051707 J M CONSTRUCTION LOAN AGAINST TDR/RD 13.10.20 232500 STDR Rs.274297.00 7.45% 24102.00
101011055338 Mr. SHYAMAL MUKHERJEE LOAN AGAINST TDR/RD 14.10.20 8000 STDR Rs.10000.00. 7.60% 7520.00
101011097083 ETOWARI KHAN LOAN AGAINST TDR/RD 29.10.20 60000 STDR Rs.230908.00. 7.80% 61991.00
101011101614 Mrs. BARNALI BOSE LOAN AGAINST TDR/RD 02.11.20 15000 RD RS.23000.00 7.50% 10383.00
101011108654 Mr. NAREN DAS LOAN AGAINST TDR/RD 05.11.20 48900 RD RS.57600.00 7.00% 48358.00
101011149997 Mr. DEBAJYOTI DHAR LOAN AGAINST TDR/RD 21.11.20 122000 STDR Rs.143965.00 7.45% 125281.00
101011152036 RAM KINKAR DAS ADHIKARI LOAN AGAINST TDR/RD 23.11.20 12700 RD RS.15000.00 7.25% 13028.00
101011253691 Mrs. BIDISHA MUKHERJEE LOAN AGAINST TDR/RD 28.12.20 525000 STDR Rs.620768.00 7.60% 525146.00

101011258623 BABA LOKENATH CONSTRUCTION

LOAN AGAINST TDR/RD 29.12.20 175000 STDR Rs.205930.00 7.60% 178390.00
101011272444 Mr. DWIJADAS MUKHERJEE LOAN AGAINST TDR/RD 01.01.21 875000 STDR Rs.1030000.00 8.50% 800931.00
101011290815 Mr. SHYAMAL MUKHERJEE LOAN AGAINST TDR/RD 06.01.21 8000 STDR Rs.10000.00 7.60% 7941.00
101011361583 Mrs. SANGITA RAUT LOAN AGAINST TDR/RD 28.01.21 50000 STDR Rs.106000.00 7.00% 50604.00
101011544578 Mr. SHYAMAL MUKHERJEE LOAN AGAINST TDR/RD 19.03.21 11000 RD RS.14000.00 7.60% 11030.00
3126006.00

129350022409 DYNAMIC TRANSPORT COOP M.T. LOAN 04.08.1980 7.50% 100292.00

101010261352 SILIGURI BOYS'HSECCS M.T.ECCS LOAN 12.03.20 3075000 11.25% 2397444.00
101011071734 SILIGURI BOYS'HSECCS M.T.ECCS LOAN 19.10.20 1520000 11.25% 1393335.00
3790779.00
101010698552 KAWAKHALI SANGINI M.T. LOAN(SOC.) 08.07.20 200000 11.25% 173348.00
101011077872 Mr. BIMAL KUMAR SAHA USLS 21.10.20 50000 16.25% 30953.00
101011079416 Mrs. MALATI ROY (MITRA) USLS 21.10.20 50000 16.25% 31039.00
101011079960 Mr. BAIDYA NATH GHOSH USLS 21.10.20 50000 16.25% 31039.00
101011080035 SWAPNA RAY USLS 18.11.20 25000 16.25% 15247.00
101011080080 SOUMITRA CHANDRA NEOGY USLS 21.10.20 50000 16.25% 31039.00
101011080126 Mr. NIKHIL KUMAR SINHA USLS 19.10.20 50000 16.25% 31039.00
101011081062 Mr. ALAY CHAKRABORTY USLS 19.10.20 50000 16.25% 31039.00
101011081073 Mr. SUDHANGSHU BOSE USLS 21.10.20 50000 16.25% 31039.00
BALANCE IN SBSHG 232434.00
101010145472 AAGAMANI SHG M.T.SHG LOAN 07.02.20 170400 57652 11.00% 46385.00
101011411468 SUMANA SHG M.T.SHG LOAN 11.02.21 336000 65890.36 11.00% 313193.00
 101011439290 JOYA SHG M.T.SHG LOAN 19.02.21 275000 65437 11.00% 275000.00

101009958117 SMRITI SHG S.T.SHG LOAN 04.12.19 80000 60250 11.00% 45521.00
101010181227 CHANDNI SHG S.T.SHG LOAN 19.02.20 52800 36259.96 11.00% 25862.00
101010574091 HARE KRISHNA S.H.G S.T.SHG LOAN 23.06.20 52800 37557 11.00% 13639.00
101010696565 AADRIJA SHG S.T.SHG LOAN 08.07.20 44000 42578 11.00% 10359.00
101010871152 ALO S.H.G S.T.SHG LOAN 01.09.20 38400 31081 11.00% 16823.00
101010895775 ADHUNIKA SHG S.T.SHG LOAN 08.09.20 75600 49447 11.00% 33686.00
101010960643 ANANYA S H G S.T.SHG LOAN 24.09.20 236500 64654 11.00% 127512.00
101011028393 UMA S.H.G. S.T.SHG LOAN 07.10.20 57600 28593 11.00% 30914.00
101011070004 NANDINI SHG S.T.SHG LOAN 19.10.20 154000 47671 11.00% 82032.00
101011073640 LOKNATH S. H . G S.T.SHG LOAN 20.10.20 57600 26024 11.00% 30782.00
101011074032 SHIKHA S.H.G. S.T.SHG LOAN 20.10.20 43200 24691 11.00% 23117.00
101011074101 KRISHNA SHG S.T.SHG LOAN 20.10.20 67200 39138 11.00% 35556.00
101011074178 NABACHETNA S.H.G. S.T.SHG LOAN 20.10.20 98800 38756 11.00% 52472.00
101011130373 PRATIVA S.H.G S.T.SHG LOAN 13.11.20 42000 46858 11.00% 26270.00
101011158913 POURI SHG S.T.SHG LOAN 01.12.20 240000 57362 11.00% 187832.00
101011167869 CHETNA S.H.G S.T.SHG LOAN 08.12.20 38400 22395 11.00% 27418.00
101011226577 TULSHI SHG S.T.SHG LOAN 21.12.20 162000 42908 11.00% 116341.00
101011563089 MAHAMAYA S.H.G. S.T.SHG LOAN 22.03.21 69000 29760 11.00% 69000.00
1589714.00

SUMMARY OF DIFFERENT LOAN A/Cs

OVERDRAFT INDIVIDUAL 1,429,021.22
OVERDRAFT STAFF 1,346,531.60
CASH CREDIT INDIVIDUAL 65,542,153.70
CASH CREDIT SOCIETY 23,076,148.73
GOVT H.B.LOAN 1,366,681.00
PERSONAL LOAN 4,096,182.00
LOAN AG NSC/KVP/LIP 33,152.00
CONSUMER LOAN 42,204.00
LONG TERM LOAN 56,000,000.00
LOAN AG. TERM DEPOSIT 3,126,006.00
 MTECCS 3,790,779.00
TRANSPORT COOP SOC 100,292.00
MT LOAN SOC 173,348.00
FESTIVAL LOAN 232,434.00
SHG LOAN 1,589,714.00
TOTAL 161,944,647.25
AS PER TRIAL 227,858,284.89
-65,913,637.64
CREDIT BALANCE STANDS AS ON 31.03.2021
OVERDRAFT

101004680495 RUNA SEN 1809.92

101006133029 JUPITER TRADING CO 17595.42
129350028660 SUPER SECURITY SERVICE 5258.32
24663.66

CASH CREDIT INDIVIDUAL

101001920907 UNIQUE DISTRIBUTORS 3577353.62

101000664056 MAHER DISTRIBUTORS 1442802.73
129350023796 A.K.BOSE 143745.37
101004963675 GLORIOUS CONSTRUCTION 563505.92 
129350035043 MAA UMA DRUG AGENCY 4191.82 
5163901.72

CASH CREDIT SOCIETY

COMBINED ENGINEERS COOP

129350015753 4170.02
129350015775 REGENT ENGINEERS COOP 21620.98

GLORIOUS ENGINEERS COOP

129350016279 1403102.86
1428893.86

STICKY OD

129350022726 N.C.SAHA & OTHERS 1967495.68

129350023967 SAMARENDRA NATH DAS 11855.54
129350023978 PRABIR KUMAR BOSE 2483822.73 TDR Rs.15000.00
129350023989 ASHOK BAKERY 162053.77
129350023990 ARUN BHATTACHARJEE 5556597.93
129350024008 LEENA INDUSTRIES 835355.29 TDR Rs.2500.00
129350026301 SILIGURI DECORATORS 1359931.35
129350026312 N.C.SAHA & CO. 1810551.86
129350026323 BINDHESWARI SING 50682.38
129350026334 SAREE HOUSE 6065322.47

BHUPENDRA NATH BARMAN

129350026436 1236876.46

CEDER PHARMACEUTICALS
129350026447 2877005.77 TDR Rs.2000.00
129350026458 PAWAN STEEL WORKS 1508491.99
129350026968 B.BDISTRIBUTORS 2372219.10
129350026979 NIGAM STORES 1893052.88
30191315.20
STICKY CASH CREDIT

SREE GOVIND BASTRALAYA

129350018131 12096990.83
129350018142 JOYGURU GLASS HOUSE 3054271.10
129350018153 SILIGURI AUTO SPARES 7714879.00 DEED NO.I-2709,5059,5058,2708,1637,1870,
129350021675 SUSHIL DRESSES 5914717.95
28780858.88
STANDARD SUB-

STANDARD DI D2 D3
331107.14
417978.04
47815.08
158465.06
7765.58
363.44
255363.44

210163.44
1429021.22

291390.00
458961.22
596180.38
1346531.60
 2986576.07
300060.00

3111815.59

1341554.30 
28500363.44
28633076.44

600363.44 

684486.58

3998718.46 

892182.96 

99699.04 

1325775.58
65242093.70 300060.00
10500363.44

1126114.46

1200363.44
757014.47

2501740.93
5910187.98
1080364.01
12826841.34 10249307.39

208483.00
777366.00
380832.00
1366681.00
26461.00
131603.00
35508.00
207839.00
204316.00
209115.00
147462.00
231613.00
41249.00
247279.00
93884.00
215282.00
145960.00
 383384.00
391244.00
205542.00
457391.00
162829.00
413646.00

140748.00
3827.00
4092355.00 3827.00

26268.00
6884.00
33152.00
22500.00

19704.00
42204.00
35000000.00
6000000.00
15000000.00
41000000.00 15000000.00

26993.00
35692.00
47734.00
14812.00
7685.00
46334.00
125317.00
77217.00
 703278.00
176239.00
24102.00
7520.00
61991.00
10383.00
48358.00
125281.00
13028.00
525146.00

178390.00
800931.00
7941.00
50604.00
11030.00
3126006.00
100292.00
2397444.00
1393335.00
3790779.00
173348.00
30953.00
31039.00
31039.00
15247.00

31039.00
31039.00
31039.00
31039.00
232434.00
46385.00
313193.00
 275000.00

45521.00
25862.00
13639.00
10359.00
16823.00
33686.00
127512.00
30914.00
82032.00
30782.00
23117.00
35556.00
52472.00
26270.00
187832.00
27418.00
116341.00
69000.00
1589714.00
 THE WEST BENGAL STATE CO-OPERATIVE BANK LTD.
SILIGURI BRANCH
NPA SUMMARY AS ON 31.03.2021

Category of Credit Facility

TOTAL (Rs.)
STSAO CC & OD BILLS TERM LOANS
I. Amount Outstanding 91,393,855.25 70,550,792.00 161,944,647.25
II. Asset Classification
1. A) Standard 80844487.86 55,404,469.00 136,248,956.86
B) Standard
2. Sub - Standard 0.00
3. Doubtful
(i) Secured
(a) D1
(b) D2 0.00
(c) D3 10549367.39 15,146,323.00 25,695,690.39
(ii) Unsecured
4. Loss Assets
91,393,855.25 70,550,792.00 161,944,647.25

Asset Classification Slabs, Abbreviations and Provisioning Percentages

 Asset Classification
Slabs, Abbreviations PERIO Provisio
NPA Category Provision
and Provisioning D n %
Percentages

1. Standard
Other Loans OSTD 0.40 544,995.83
2. Sub-standard SSTD 10.00 0.00
3. Doubtful
(i) Secured
(a) D1 D1 20.00
(b) D2 D2 30.00 0.00
(c) D3 D3 100.00 25,695,690.39
(ii) Unsecured USEC 100.00
4. Loss Assets LOSS 100.00
TOTAL 26,240,686.22
D.