AUDITORS'REPORT

BELGHORIA IANAKATYAN SAMITY(BIS)

For the Year 2015-1,6

By

KN. lainVCl.Shartered Acccuntants

2, LalBazar Street, 2nd Floor,R. No -204, 205 Kolkata - 700 001

Phone: 033 2231-,- 6502/03, Fax: 033 g'1,-6504

E-mail : info @V,rtJainco. com, Web \ry w\M.knj ainco. com

K.N.lainUCo.Chartered Accountants

2,LalBazar Street, 2nd Floor, R. No- 204,205, Kolkata - 700 001

Phone :033 2231-6502103, Fax: Afi2231-6504E-mail : info@knjainco.com, Web: www.knjainco.com

BRANGHES: . GlRlDlH . RANIGANJ . ffAMGAR

lndependent Auditor's Report

To the lVt"rO"rs ofBelqhoria Janakalvan Samitv

Report on the Financial Statements

We have audited the accomp_anying financial statements of Belghoria JanakalyanSamity, having it's Registered Office at 13, Rishi Bankim Road, Nimia, Kolkata-7ood4g,which comprise the Balance Sheet as at 31"t March, 2O1G and in" lncome andExpenditure Account for the year then ended and a summary of thesignificant accounting policies and other exptanatory information.

Management's Responsibility for the Financial statementsThe Company's Management is re;ponsible for the preparation of these financialstatements that give a true and fair view of the financial position. This responsibility includesthe design, implementation and maintenance of internal control relevant to the preparationand presentation of the financial statements that give a true and fair view and are free frommaterial misstatement, whether due to fraud or error. ,

Aud itors' ResponsibilityOur responsibility is to express an opinion on these financial statements based on our audit.We conducted our audit in accordance with the Standards on Auditing issued by the lnstituteof Chartered Accountants of lndia. Those Standards require that we comply with the ethicalrequirements and plan and perform the audit to obtain reasonable assurance aboutwhether the financial statements are free from material misstatement.

An audit involves performing procedures to obtain audit evidence about the amounts and thedisclosures in the financial statements. The procedures setected depend on the auditor'sjudgment, including the assessment of the risks of material misstatement of the financialstatements, whether due to fraud or error. In making those risk assessments, th€j auditorconsiders the internal control relevant to the Organization's preparation and fair presentationof the financial statements in order to design audit procedures that are appropriate in thecircumstances. An audit also includes evaluating the appropriateness of accounting policiesused and the reasonableness of the accounting estimates made by the management, as wellas evaluating the overall presentation of the financial statements.

v

K.N.lainACo,Chartered Accountants

We believe that the audit evidence we have obtained is sufficient and appropriate to providea basis for our audit opinion.

Opinion r

In our opinion and to the best of our Information and according to the explanations given tous, the financial statements of Belghoria Janakalyan Samity for the year ended 31't March,2016 are prepared in all material respects in accordance with relevant law in the manner sorequired and give a true and fair view in conformity with the accounting principles generallyaccepted in lndia.

For K.N. JAIN & Co.Chartered AccountantsFirm Reg. No- 3191 19E

Date: 2nd June , 2016Place: Kolkata

C--^c^a_"]Samya SenguptaPartner r

Membership No. 059027

BELGHORIA JANAKALYAN SAMITYHead Office-'AE-592,, Sector-1, Salt Lake City, Kolkata-700064

Reg. Office- 13, Rishi Bankim Road, Nimta, Kolkata-700049

BALANCE SHEET AS'AT 31"t MARCH 2016

NoteAs At 31't March, 2016 As At 31't March, 2015

I. SOURCES OF FUNDS

A. Capital FundGeneral Fund

B. lndia Micro Finance Equity Fund-SlDBl

G. Business Capital from KIVA- USA

D. Loans :

Secured Loans

E. Current Liabilities

F. Loan Loss Reserve

Total

II. APPLICATION OF FUNDS

A. Fixed Assets

B. lnvestments

G. Gurrent Assets, Loan and Advancesa) On-lending to SHGb) Loans & Advancesc) Cash and Cash Equivalentsd) Other Current Assets

Total

1

2.4

2.8

3

4

5

6

7

891011

19291422

20000000

42141228

207321626

847 101

2250326

13829295

1 5000000

21794839

104291224

51 8037

1049677

291851703 156483072

2219173

283021 19

2250327506381 58

346105211048982

1795347

I 1 697831

104967738270056

37202236549864

291 851 703 156483072

Notes to the Balance Sheet enclosed

As per our attached report of even date

FoTKNJAIN&CO.Chartered AccountantsReg No-3191 19E

On behalf ofBelghoria Janakalyan Samity

naeI \_L->\ \ \ O--, X*^*

(Samya Sengupta)PartnerMem. No. 059027Kolkata, 2nd June,2016

SecretaryBelghoria Janakalyan Samity

BELGHORIA JANAKALYAN SAMITY

Head Office- AE-592, Sector-1, Salt Lake City, Kolkata-700064Reg. Office- 13, Rishi Bankim Road, Nimta, Kolkata-700049

INCOME & EXPENDITURE ACCOUNT FOR THE YEAR ENDED 31"1 MARCH 2016

NoteFor the year ended 31"1

March- 2016

For the year ended31st March.2015

INCOME

Revenue from OperationGrant ReceivedOther lncome

Total of (A)

EXPENDITUREB.

Employee Benefit ExpensesFinancial ExpensesAdministrative and Other ExpensesExpenses for Other Social activitiesDepreciationLoan Loss Provision

Total of (B)

SURPLUS FOR THE YEAR (A.B}Transfer to Capital Fund

1213

',4

15161718

65

44817869646129

1 343608

25094157767539

1162493

46807606 27024189

856087620237519

84352522275989

6351 931200649

585901 9880955755478352095090

638071279441

41345479 23229013

5462127 3795177

Notes to lncome and Expenditure account Enclosed

As per our attached report of even date

FoTKNJAIN&CO.Chartered AccountantsReg. No-3191 19E

On behalf ofBelghoria Janakalyan SamitY

fr- \-4.--rr J g -D--

(Samya Sengupta)PartnerMem. No.: 059027Kolkata,2nd June,2016

SecretaryBel ghoria Janakalyan Samity

'.v........

BELGHORIA JANAKALYAN SAMITYHead Office- AE-592, Sector-1, Salt Lake City, Kolkata-700064

Reg. Office- 13, Rishi Bankim Road, Nimta, Kolkata-700049

CASH FLOW STATEMENT FOR THE YEAR ENDED 31ST MARCH 2016

Particulars As on 31"t March,20,16

As on 31"t March,2015

A CASH FLOW FROM OPERATING ACTIVITIES:

Net Surplus before TaxAdjustment for Non Cash Expenditure:Depreciation on Fixed AssetsLoan Loss ProvisionAcclued lnterest on BorrowingAdjustment for Non Cash lncomeAccrued lnterest on LoanAccrued lnterest on FDROperating Profit before Working Capital Change

Adjustment for(lncrease)/ Decrease in Operating AssetsDisbursements of Loan to BorrowersRecovery of aforesaid LoansLoan Written OffOther Advances/ Recoverablelncrease/ (Decrease) in Operating LiabilityCash Flow Before Extraordinary ltems

Net Cash Flow From Operating Activities (A)

B CASH FLOW FROM INVESTING ACTIVITIES:Purchase of Fixed Assets tFixed DepositNet Cash Flow From lnvesting Activities (B)

C CASH FLOW FROM FINANCING ACTIVITIES:Secured Loan taken during the periodRepayment of Secured LoanUnsecured Loan taken during the periodRepayment of Unsecured LoanProceeds from Subordinated Debt from SIDBI

I Business Capital

I Increase/( Decrease) in Cash Credit Account

I Net Cash Flow From Financing Activities (C)

I Net lncrease or Decrease in Cash and Cash EquivalentsI ta+B+c)lnoo' Opening Cash and Cash EquivalentslClosinq cash and cash equivalents as per Books

5462127

6351 931 200649

(256577)(959288)

3795177

638071279441

(21e43)(148347)

6082104 4542398

(446334100)326269088

(610643)329064

(212982000)1 85037906

9126200582

(1 20346591 ) e7734386\

1142644861 (23191988)

(105e019)(1 5645000)

(1267361)(8385854)

(1 670401 9) {9653215)

155000000(52000710)

500000020346389

31112

70066000(164e28_45)

ussti qo

837230128376791 689521 25

(2591715)

37202236

361 1 6923

1 08531 3

346',,0521 37202236

As per our Report of even date

For K.N. JAIN & Co.Chartered AccountantsReg. No-3191 19E

"(__*_^ASamya SenguptaPartnerMembership No. 0590272nd June, 2016Place: Kolkata

On behalf ofBel ghoria Janakalyan Sam ity

SecretaY-tBelghoria Janakalyan S amitY

L'i1,,

. BELGFIORIA JANAKALYAN SAMITY--...-'H ead oI:.- 45-5:3,.

9:do.t: 1, sa lt 1".\: g itv:

-Ko l kata-799994

Reg, Office- 13; Rish'i Bahkim Road, Nimta, Kolkata-700049

GENERAJ- pTSCLOSURE9

Basis of PreparationThe Organization follows mercantile system of accounting. The'accounts are prepared on the historical cost basis, as a going

concern and are consistent with applicable Accounting Standards issued by the lnstitute of Chartered Accountants of lndia(lCAl) to the extent applicable.

Basis of Estimates

The presentation of financial statements in conformity with lndian Generally Accepted Accounting Principles requires

management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosr:re of

contingent assets and liabilities at the date of the financial statements and reported amounts of revenues and expenses during

the reporting period. Although such estimates are made on a reasonable and prudent basis taking into account all ar.'ailable

information, actual results may differ from those estimates.

Notes on Business Operations

Belghoria Janakalyan Samity is registered under the West Bengal Societies Registration Act. 1961 (Registration number

511L136292). The organization provides livelihood promotion services mainly to the low-income rural, urban, semi-urban andperi-urban households, comprising of livelihood and other micro financial services to those population segments which are

mostly un-reached by the formal banking systems with the principal purpose of promoting sustainable livelihoods.

A seven member Executive Committee is the highest policy making platform of the organization. These committee members

meet every quarter to assess performance parameters, to approve budgets and to review growth plan to the organization.

Secretary of the organization is bestowed with powers to execute and oversee day to day management of operational aspects.

Presently the organization reaches to its targeted clients through the network of 19 branches, 5 of which are located in North

24 Parganas, 2 of which are in Murshidabad, 3 of which are in Alipurduar, 4 of which are in Coochbehar and 5 are in Jalpaiguri

district. t

The organisation is registered under section 12A(b) and 80G of the lncome-tax Act,1961 .

BELG HORIA JANAKALYAN SAMITYHead Office- AE-592, Sector-1, Salt Lake City, Kolkata-700064

Reg. Office- 13, Rishi Bankim Road, Nimta, Kolkata-700049

Note Annexed to and Forminq Part of Balance Sheet(Figures in Rs.)

Note No- 1

Capital Fund

Net Surplus (excess of income over expenditure) of the year Rs.5462127 was transferred to Capital Fund, As on 31st March

2016 capital fund of the organization was Rs.19291422.

SIDBI has given Subordinate Debt Assistance of Rs.2.00 core under lndia Microfinance Equity Fund Scheme (IMEF). The

organization is paying interest @8o/o p.a. Sub-ordinated Debtwill be repaid within 6 years, including an initial moratorium of 4

years from the date of first disbursement of Rs.1 .SOcore bearing rate of interest @ 9o/o p.a. Sub-ordinated Debt of Rs.50 lacs

rate of interest @ 9% p.a. will be repaid within 6 years, including an initial moratorium of 5 years from the date of firstdisbursement.

KIVA-USA has given the interest free Fund as a sector building initiative for a period of 3 years for onward lending the fund

with the option of perpetually increasing or extending the fund on maintaining and fulfilment of certain condition.

Note No- 3Loan Fund

unParticulars As At 31"t March ,2016 As At 31"t March , 2015

Opening Cumulative Surplus

Add: Surplus During the Year

Total

13829295

5462127

1 00341 1 I

3795177

1929',1422 13829295

Note No- 2A. lndia Microfinance Fund

Particulars As At 31"1 March ,2016 As At 31"t March ,2015Opening balance

Add: Received from SIDBI during the Year(Sub-ordinated debt assistance)Total

1 5000000

5000000

1 5000000

20000000 1 5000000

B Business Capital from KIVA- USAParticulars Ae Af ?,lst Marnh ?O'lA Ac Af ?'lst March ?015

Opening balance

Add: Received from KIVA- USA during the Year

Total

21794839

20346389

7243099

14551740

42141228 21794839lTotat (A+B) 62141228 36794839

Particulars As At 31"t March ,20'16 As At 31"t March , 2015Cash Credit LoanState bank of lndia, MCC BranchBGV Bank, Hatiara BranchTotal (A)

Term LoanSIDBIDena BankMaanaveeya Development & Finance Pvt.Rashtriya Mahila Kosh (RMK)lndian Overseas Banklndian Grameen ServiceUCO BankUnited Bank of lndiaLoan from MilapBandhan BankAnnaya FinanceReliance CapitalBMBNational Bank for Agriculture and RuralDevelopment (NABARD)Total (B)

Total- (A)+ (B)

Ltd.

982500114772998

9747554148'19333

43939401 5666671

r zaoloo21497407

395841227560005484306311 95660001 0000000

444444020000000

4999989426132

24597999

9666000834000

540000027000000

1 00000001 500000011258337

566000

24566887

182723627 79724337

207321626 104291224

Att I oans are secrrrecl aoainst hvnothecation of book debts. The oroanization is reoavino instalment of Term loan and interest

BELGHORIA JANAKALYAN SAMITY

Head Office- AE-592, Sector-1, Salt Lake City, Kolkata-700064Reg. Office- 13, Rishi Bankim Road, Nimta, Kolkata-700049

Note No- 4Current Liabilities

Note No- 5Loan Loss Reserve

As on 31st March 2016 the organization has past due loan instalments of Rs.65575 against total outstanding of Rs.66733. As

on 31st March, 2016 standard portfolio of the organisation was Rs.224966017 (99.97%). As per RBI guidelines the

organisation has provided loan loss reserve @1% on entire portfolio outstanding and accordingly provision was required

Rs.2250326. Existing provision up to 31st March 2015 was Rs.1049677, balance amount of Rs.1200649 was provided during

the year.

Note No- 6Fixed Assets

Fixed assets are stated at cost, net of depreciation. The cost of an asset comprises of its purchase price and any cost directly

attributable for bringing the asset to its working condition and location for its intended use.

Depreciation is provided on the assets following W.D.V. method at the rates appropriate as per the lncome Tax Act, 1961 .

All assets of the organization are tangible fixed assets. During the current financial year fixed assets worth Rs.105901 t has

been purchased. The company has not sold or disposed off any assets during the year.

Details of fixed assets have been given in separate sheet as Annexure 1 to the Note-6 of the Balance Sheet.

Particulars As At 31"t March ,2016 As At 31"t March ,2015Audit Fees Payablelnterest Accrued but not DueProvident FundEmployees' ContributionEmployer's ContributionP.F. Administrative ChargeEmployees State lnsurance (ESl)Employees' ContributionEmployer's ContributionProfessional TaxStaff $ecurity DepositTDS PayableSundry CreditorsAdvance from othersSHG lnsurance PremiumTotal

3073830733

3666

68700281026

651 37

263682490

1 9300094277

1 161 003

2364923649

2863

921_24

501 61

218191910

'140500

9000

25000177523

711619252

58981s921

847101 51 8037

Particulars As At 31"t March ,2016 As At 31"t March,2015

Opening Loan loss ReserveAdd: Reserve created during the year

Less: Loan Written-Off during the year

Total

10496771200649

2250326

770236279441

1049677

2250326 1049677

2250326 1049677

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BELGHORIA JANAKALYAN SAMITYHead Office- AE-592, Sector-1, Salt Lake City, Kolkata-700064

Reg. Office- 13, Rishi Bankim Road, Nimta, Kolkata-70004g

Note No- 7lnvestment

Note No- 9Loans and Advances

Presently the organization has total fixed deposit of Rs.27072653 lying with different banks. Fixed Deposits Receipts ofRs'27062653 were pledged with different banks .ggainst various loan facilities from various banks and financial institutions.Accrued lnterest on Fixed deposit has been takdn into account. TDS amounting to Rs.1 13814 has been deducted by banks.Net Accrued lnterest (after deducting TDS) was taken into account.

Note No- 8Loan Portfolio

Particulars As At 31"t March ,20'16 As At 31't March , 2015Fixed DepositUCO BankBandhan BankUnited Bank of lndiaBharatia Mahila Banklndian Overseas Bank, lalbazar BranchState Bank of lndiaSIDBIAnnaya Financelndian Overseas Bank, Lalbazar Branch(Recurring Deposit))UBl, Talsha Branch (Recurring Deposit))Dena BankBGBV, Hatiara BranchAccrued lnterest on Fixed DepositUCO BankBandhan BankAnnaya FinanceBharatia Mahila BankSIDBIUnited Bank of lndiaDena BankState Bank of lndialndian Overseas Bank, Lalbazar BranchBGBV, Hatiara Branch

450000035000006000000

50000040000001 650000

1250001 000000

620000140000

31600001877653 27072653

1229466

1 500000

2000000

aoooooo

400000

1 6500001877653 11427653

270178

130714205076001 0

24664548

238016256759

6592253427256427

4116

tiz+77019

8823499035

28302119 1 1 697831

Particulars As At 31"t March ,2016 As At 31"t March,2015Balance as per Last accountAdd: Loan Disbursed during the year

Less: Loan Realized during the yearLess: Loan Written-off during the year

1049677384463341 00 551 301 838

326269088

77023644212982000 290005644

1 85037906

326269088 1 85037906

225032750 104967738

Particulars As At 31"1 March ,2016 As At 31=t March ,2015A. Staff Loans and Advances

Travelling advance to StaffsPersonal LoanBi-cycle Advance to Staff

B Advance to Others of expensesAdvance to Others of expenses

1 880063650 82450

555708

115005240656550 120456

149600555708 1 49600638158 270056

BELGHORIA JANAKAI.YAN SAMITYHead Office- AE-592, Sector-1, Salt Lake City, Kolkata-700064

Reg.Offi0e- 13, RiShi Bankim Road, Nimta, Kolkata-700049

Cash and Cash Eouivalents

Bank accounts are reconciled on periodical basis. No long pending entry has been found in Bank reconciliation statementsPhysical verification of cash in hand are carried out by the management on regular basis.

The Cash Flow Statement is prepared in accordance with the indirect method prescribed in Accounting Standard 3.

Cash Flow Statement is given in separate sheet along with the Balance Sheet.

Note No- 11

Other Current Assets

The organization has a policy to collect interest on weekly basis from the members. The company has provided for interest for3 days on the entire outstanding loan portfolio balance as on 31.03.2016.

Previous year figures have been re-grouped and re-arranged wherever necessary.

Note No- 10u

Particulars As At 3t"r March,,2016 As At 31"t March , 2015

Cash in Hand

(As Certified bv manaqement)

Balances with Banks

738714

33871807

52553

37'14968334610521 37202236

Particulars As At 31=t March, 2016 As At 31"t March ,2015A. Deposit with land lords (offices)

B Accrued lnterest on loan to SHG members

C TDS Receivables

388600

480892

179490

232100

224315

93449

1048982 549864

BELGHORIA JANAKALYAN SAMITYHead Office- AE-592, Sector-1, Salt Lake City, Kolkata-700064

Reg. Office- 13, Rishi Bankim Road, Nimta, Kolkata-700049

Note Annexed to and Forming Part of lncome and Expenditure Accounts(Figures in Rs.)

Note No- 12Revenue from n

Particulars For the year ended

31"t March, 2016

For the year ended

31"t March, 2015

lnterest on Loan from SHG MembersMicrofinance Loan Processing Fees

40437549.004380320.00

231018771992280

44817869 25A94157

The Organization provides livelihood promotion services mainly to the low-income rural, urban, semi-urban and peri-

urban households, comprising of livelihood and other micro financial services to those population segments which

are mosly gn-reached by the formal banking systems with the principal purpose of promoting sustainable livelihoods.

Revenue Recoqnition

All incomes arising from various business segments and micro finance are recognized on accrual basis, unless

otherwise stated.

lnterest on loans are charged and accounted for on diminishing balance method. Allied income and loan processing

charges are accounted for as per contracts with the borrowers. However, income on non-performing assets (NPA) is

recognized only when it is realized and unrealized interest on Non Performing Assets (NPA) is reversed from the

current interest, when an asset becomes NPA.

Note No- 13

Grants

Note No-14Other lncome

lnterest on fixed deposit is inclusive of accrued interest of Rs.959288

Note No- 15

Particulars For the year ended

31"t March, 2016

For the year ended

31"t March,2o15

Grants from NABARDGrant from Bandhan t 646129

127500640039

646129 767539

Particulars For the year ended?,f st Marnh 2n',8

For the year ended3'lst March 2015

lnterest on lnvestmentlnterest on Savings Bank Accountlnterest on Staff LoansSubscription from EC MembersReceipt from Livelihood ProgrammeReceived against Financial Literacy TrainingDonation for Disaster Relieflnterest on 'TDS Refunded'from lncome Tax Dep.Other lncome

1158617824

19318700

135322

2278026373410

3547633749

13618

68049095814

92513134

1343608 1162493

Benefit EParticulars For the year ended

31"t March, 2016

For the year ended

31"t March,2015Staff SalaryBonus and Exgratia to StaffLeave Travel AllowanceLeave SalaryEmployer's Contribution to PFEmployer's Contribution to ESI

PF Administrative Charges

76331 1 9

30091 7

25245594

332439208694

39861

51 676691 98665

1 35055539

23949016476231544

8560876 585901 I

BELGHORIA JANAKALYAN SAMITYHead Office- AE-592, Sector-1 , Salt Lake City, Kolkata-700064

Reg. Office- 13, Rishi Bankim Road, Nimta, Kolkata-700049

Note No- 16Financial Ex

lnterest and other cost incurred in connection with the borrowing of funds are charged to revenue on proportionate

basis of time unless otherwise stated. Accordingly lnterest on loan has been taken into account on accrual basis.

Administrative and Other Expenses have been taken into account on accrual basis. Expenditure has been provided

where ever necessary.

nancParticulars For the year ended

31"1 March, 2016

For the year ended

31"t March, 2015

A lnterest on Cash Credit Account

B lnterest on Term Loan

C lnterest on lndia Micro Finance Equity, SIDBI (llME)

D Loan Processing Charges

3187408

12000950

1448640

3600521

3353208

3644609

1127672

684068

Total (A+B+C) 20237519 8809557

Note No- 17Administrative and Other Ex Micro Finance

Particulars For the year ended

31"t March, 2016

For the year ended

31"t March, 2015

AGM/EC Meeting ExpensesBusiness DevelopmentExpenses for Credit Bureau Checkinglnsurance ChargesProfessional fees for ConsultancyPenalty on ESI PaymentRating Expenseslnterest on TDS paymentSHG Member Welfare ExpensesAudit FeesBank ChargesUtensils and CookeriesDocumentation expensesMembership FeesMonthly Coordination MeetingStationery and PeriodicalsStaff Training and DevelopmentElectricityRefreshment and HospitalityOffice MaintenanceOffice RentPostage and TelephoneRepairs and MaintenanceTravelling and ConveyanceWebsite Developmentlnterest on Staffs' Security DepositSoftware MaintenanceStaff Recruitment CostM iscellaneous ExpensesRound offStaff Welfare Expenses

6372533901 I

205171773494422

1 71 000

zssitz1431 00

8243124189146306604513682

7844022035928

25447331 9961431242

1220400241230

6784914537 18

247081054

3000001 30962518

2

1 000

2474763794

991 0

127472909

1 68540400

750010483288920221751544051854

602447874

133722120361726748127 10058202931 871 06

1681801 068467

864

aiza

82506

8435252 5547835

: BELGHORIAJANAKALYAN:SAMITYHead Office- AE-592, Sector-1, Salt Lake City, Kolkata-700064

Reg. Office- 13, Rishi Bankim Road, Nimta, Kolkata-700049

Note No- 18for other Social Activities

Particulars For the year ended31"t March, 2016

For the year ended

31"t March,2015Expenses for Livelihood ProgrammeProgramme Expenses-Target Hardcore PoorExpenses for Financial Literacy TrainingDisaster ReliefSchool ProgrammeDonation to Local Bodies

1470681180223

83561 I50000

3598027099

1 092959403789534381

4340520556

2275989 2095090

The Organization spent an amount of Rs.2275989 under Social Welfare expenses for skill development of SHGmembers, financial literacy training to SHG members, distribution of books, stationeries, bags to the student of BJSschool, where children of brick field workers are studying, support to the Hard Core Poor, livelihood promotion andgave donation to local bodies to organize blood donation camp, sports and cultural programme.

Previous year figures have been re-grouped and re-arranged wherever necessary.