kv4 - bank.sbi

SIATE BANK OF INDIACORPORATE CENTRE, NARIMAN POINT, MUMBAI .4OO O2I

UNAUDITED FINANCIAT RESUTTS FOR THE QUARTER ENDED JUNE 30, 2O2Iin crore)

Slqndolone gonsolidoled

Yeor ended30-06.202r 31.m.2021 30_06-2020 31.o3 202r 3t.03.2021 N.O6.2U20 3l.mro2l

s.No- Podlculors

(llnoudlledl (Audltedl I lJnoudiledl (AudlHl I llno udltatll66.5m.38 2_65.t50-63

(o] lnleresl/ dlscounl on ddvonces/ bills 4l . i 43-53 40.213.71 44.101.tl 1,71,429.14 42.472.23 41.256.67 45.711.40 1.76.780.19(b) on 20.369.83 20,376.88 18.705.48 7?.AOA.O9 22.349.O8 22.t57.22 20,483.60 87.130.62(c) on bolonces wllh ol lndiq qnd olher inler-bonk funds 1.035.07 1.365.93 1.794.42 4.317.53 r,r03.07 1.133.71 r,836.35 4.541.43(d) Ollrers 3,016.00 3,145.12 1.8?9.37 9,595.87 3.035.57 3. r 8s.03 1.904.62 9.663.24

Olher income 11 ffia]L 1A 225 3' 7 0a7 aa 41.?56.64 21.{5.99 35,397.98 r8.M4.36 I _G5_855-r 477.347-17 81.32&-96 7 3.43.970.62

39,858.82 1.51.110.63 34.219.O9 3a.38a-a2 40.30r -32 I 56 0lO l720.466-35 23.592,17 14O77 L9 82,652.22 1.50.429.60

(q) Employee cosl 12,538.29 r 3,382.78 I 1.865.06 50,936.00 r 3.4r 5.04 14.240.12 12.6s8.22 54.330.83(b) lo Buslness 11 .419.40 t7.570.56 9.31O.44 58,3?7.02(c) Olher operoli4g expenses 7.928.06 10.209.39 6,212.63 31.716.22 9.353. r 5 12.053.08 7.306.41 37.701.75

IOIAI. EXPENDIIURE 57 936.51 72-436.64 42.252-54 6t-576-39 3.06.139.77

of wrlleond 10.05r.96 I r.05i.03 r 2,50r .30 44.0i 3.03 r 0,5r 0.24 't t,5t 6.zl 12.562.76 46.102.16which for osels s.o29.79 9.914.23 9.420.46 27.244.35 5.489.44 11 .177.41 9.620.39 29732A5

Exceplionol llems t,5Jv-/J 1,539.73 1,367.27 1.367.27rRofITox 2.418.86 2.1?8.37 1.370.44 7.130.65 2.780.80 2.391.10 2.008.96 8.516.25

4_189.34 20.110.17 7.53922 7.270.25 5_203-19 21.279.71of loxilems

FOR TI{E 6 so..OO 6 1150 75 t a9 3t ,n aln a7 7 539 7' 7 77lJ25 5 203 49 ,4179 71

1t3,37 - 77.5.08 63.96 - 391.90ly lnlerest 322.64 369.65 tl90-95

2345

67

8

?

l0ll12

l3r4l5l677

I

ET INIERESI 4.189.34 20.410.17 7 6.125.52loce volue of ? l/- eocl 492.46 492.46 492.46 492.46 492.46 492.46 892.46 892.46

revoluolion reservesReserYes 2,29,405.38 ,o91.7

(i) 56.9m s6.9201 56.927,of shores held of lndio 56.92% 56.92% 56.92% 56.927, 56.9291

rolio 13.66% 13.74% 't3.40%: 13.747,

10.o28(o) CEI I rqlio 9.91% 10.o2% 10.147.

(iD

[b) Addilionollier I ]olio 1.41% 1.4:27. 1.217" 1.427<

shore6.86 25.1 17.29 4.69(o) Bosic ond diluted EPS before bdroordinory ilems (nel of lox expense)

(Quorler numbers nol onnuollsed'l6.86 25.1 I

(iii)

(b) Bosic ond diluled EPS ofter Exhqordinory ilems (nel of lqx expense)(Quorler numbers nol dnnuolisedl

NPA

of ossels .48 1,26,389.02 1 .29,660.69 \.26.389.02

36.809.72 42.703.63 36,809.72(b) Amounl of nel non-performing ossels 43.t52.52(c) %ofgrossNPAs 5.32% 4.98% 5.441 4.98%

(iv)

1.50% 1.867, 150%(d) % of net NPAS

l8l920

(v) o 42% oAa%Relurn on ossels (Nel Assets bosis-Annuollsed) 0.57% 0.s8%

kv4 I

STAIE BANK OF INDIACORPORATE CENTRE. NARIMAN POINT, MUMBAI - 4OO O2I

UNAUDITED SEGMENTWISE REVENUE, RESUtTS, ASSETS & TIABITITIES

Ymr ended Quorier ended30.06.2021 31.03.2021 n.o -2020 3l.03.APl 30.06.202r 31_Gt_2dlr 31.03.2021

s.No. Pqdiculors

o 26.071.71 .33 ?1.916.7? 26.0?2.61 23,264.25 9i.032.s0b Wholesole 19.279.50 23.767.04 19.007.87 81.742.12 19.607 .55 24.'31.80 19.340.52 83.O73.O7c Relqil 3r.886.8r 33.840. r s 3i .8i 1.49 1,31,783.02 3t.?71.?1 33.942.8s 31 .891.44 1.32.094.86d 12.611.74 i 9_354-04 10,758.36 64,569-16e Olher 3.507.54 3.550.55 3.211.9? 14.647.06f l09.rs 1.036.37 87.17 |,625.34 I 14.03 1 .O37.17 94.79 1.65r.31

Revenue 77 3r7,17 3-O7.107 -27 93_90s.38 1,U,272.{ 88.56r.35[ess: lnler Revenue 638.44 841.66 577.O2 3.097.34

I

evenue 71.157-46 3.O7.10727 93.266-91

o 3,172.34 3,8f7.29 15.56r -38 7 1 1.62o (ii) Exceolionol ilems t.539.73 I .539.73 1,367.27 1,367.27o 7 .O77.30 3.172.34 5.427.02 l7.r 01.1 I 7,003.4r 2.641.62 4.910.9A 15.760.24

b 4.451.26 4.640.46 3.608.33 5.1 49.19 4.540.42 4.;95.69 - 3,58r.35 5.273.34c - 1.383.69 I .413.t I 4.9c'4.49 9,148.8 - r.359.55 1.144.37 4.930.r I 9.51 l.4td lnsuronce Business 308.09 631.51 799.54 2.337.97e Olher i .0t 9.40 to4.88 1,3r 7.30 3,952.1 0f Unollocoled - 1,222.01 - 576.79 1,1 53.40 - 4,157 .56 1 ,192.15 - 156.72 - 1.164.13 - 4.039.14

Aclivilies .35 7.212.15 32-795.96[ess: Tqx 2.418.86 2.198.37 1.370.44 7.130.65 2.7ffi.80 2.391.t 0 [email protected] 8.516.25

Less:

Nel 6_504.m 6.450_7s 1149.! 20.410.47 7.539.22Shore in of 163.37 -;25.08 65.v6 - 39r.90

less: 322.68 369.65 490.95 1.482.36

2

Net 6,504.00 6.450.75 4,189.9 20,110.47 7,37?.?1 6,125.52 4,776.50 22,&5.45

d l r r r.55 .60 I -44 .86 14.52.023.37b I i.55.086.09 1 1 .97 .649 .9 1 I I .39.154.28 11 .97 .649 .91 1t .79 .455.44 12.21.624.66 11 .62.28A.73 12.21.624.66c 17,70,306.42 18.15.024.48 15.62.147.26 18,1s,o24.48 17.7 6.503.65 I 8.1 9,067.05 r 5,65,337.54 t8,19.067.05d lnsuronce Business 2.46.190.26 2.37.323.29 1.A8.265.99 2.37,323.29e 47.560.59 46.307.46 44.815.45 46.307.46t Unollocoled 47.590.93 6A.643.69 56.612.43 68.643.69 48.355.48 6?.272.72 57.204.79 69,272.72

3

Tolol 45.57.OO5-65 45.u.129-63 11.17.931-57 15.31.429-63 48.80-594.86 48_tts.618.55

o Treosury operolions 14.01 .635.68 13.26.432.08 12.03.883.45 13.26.432.08 13.91.364.65 r 3, r 5.e38.88 11,94,977.00 13, r 5,938.88b 11 .68.462.70 11 .79 .124.13 I 1.85.545.78 1t .60.686.87 I 1.85.545.78Corporoie/ Wholesole Bonking operolions I t.6t ,314.09 11 ,68,462.70 11,45.218.44c r 6.99.537.03Reloil Bonking operolions 16,37,382.70 16.82.902.21 14,43,419.48 16.82.902.21 16,54,968.37 16,99,i37.03 14,6t ,405.07d Business 2.32.758.79 2,24,t01.8s |,76,626.24 2.24,101.85

e 32.871.O7 32.314.4? 32.563.84 32,314.42Olher Bonking operolionsf i . r 2.619.03Unollocoled 95.392.77 1 .O2.757.45 83.754.54 1 ,02.757.45 1,05,519.18 I ,12.,5t 9.03 92.738.20

C' 2.75.361.56 2.61 .583.14 2,75,561.56Copiiol ond Reserves & Surplus 2,61.280.41 2,53,875.19 2.41.655.66 2,53,875.19 2,83,984.67

4

a5 57 005 i5 ts ?a A)9 A7 61 17 971 47 t53tt 9 t3 /tB 80 59d 86 d8 15 i18 55 41 80 580 36 &15 618.5t

ln crore)

A.1 Segmenl Nel Resulh ore onlved ofrer lqking lhe efiec! ot Tronsfer pricing.

k'Jtl V

STATE BANK OF INDIACORPORATE CENTRE, NARIMAN POINT, MUMBAI - 4OO O2I

SUMMARISED STATEMENI OF ASSETS & TIABITIIIES

(t in crore)

t ,

Tewori(rB, T & S) Monoging Director (R. & SARG) Monoging Dkector (CB & GM)

Setfu

Monoging Direcior (R&DB)

DinesH(srfiEr Khoro

Chairman

Ploce: MumboiDote:04.08.2021

30.06.2020s.

No.Porliculors

o 892.46 892.46 892.46 492.46 892.46 892.46b Reseryes & .95 2.52.942.73 2,83,092.21 2,74,669.10 2,60,690.68c interesl 9 Y | 5.3/ I 92 8.677.40d 37,20,987.01 36,81,277.08 34,19,362.79 37,56,763.81 37,15.331 .24 34.53.116.46e 4.17 .297.70 4,16,019.62 4,33,7?6.21 3.31.904.88f Olher liobililies 1 .81 .979.66 I I 3,25.298.48

I

45.9.429.63 17 .57

o ond bolonces with Reserye Bonk of lndio 2,13.201.54 i ,29, I 38.61 1,72,225.27 2,13,498.62 1 ,29,411 .02b Bolonces with bonks ond ql coll ond shorl nolice 13.12 1 .29.837 .17 19 l 1.34.924.03c lnvestments 13,86.509.97 r3,si.705.21 12.25.228.41 l .94 l 100.27 14.23,442.21d 24,49,497 .79 22,?8,346.16 24,83,572.44 25,00,598.99 23,47,478.45e Fixed ossets 38.419.24 t9 39 93 166.79

t 17.28 3.51.768.68 7.41 3.05.498-60

2

as 3t 419.L3 rl:l AO 5AO -14

Notes on Standalone Financial Results:

1 The above financial results for the quarter ended June 30, 2021 have been drawn from thefinancial statements prepared in accordance with Accounting Standard (AS-25) on 'lnterimFinancial Reporting'.

The above financial results have been reviewed by the Audit Committee of the Board at its

meeting held on August 03,2O2t and approved by the Board of Directors at its meeting held

orr August 04,202L. Tlrese finarrcial results have been subject to limited rcvicw by theStatutory CentralAuditors of the Bank.

3 The above financial results for the quarter ended June 30, 2021- have been arrived at afterconsidering necessary provisions for NPAs, Standard Assets, Standard Derivative

Exposures, Restructured Assets and lnvestment Depreciation/provision. Provisions forContingencies, Employee Benefits, Direct Taxes (after adjustment for Deferred Tax) and

in respect of other assets / items are made on estimated basis.

The above financial results for the quarter ended June 30, 2021 have been prepared inaccordance with the Significant Accounting Policies stated in the annual financialstatements of the Bank for the year ended March 3t,2O2L.

RBI Circular DBOD.No.BP.BC.L/21.06.2OL/20L5-L6 dated July 01-, 201-5 on 'Basel lllCapital Regulations' read together with RBI Circular No. DBR.No.BP. 8C.80/2L.06.2OL/2O1.4-

L5 dated March 3L, 2OL5 on 'Prudential Guidelines on Capital Adequacy and LiquidityStandards Amendments' requires the Bank to make applicable Pillar 3 Disclosures includingLeverage Ratio and Liquidity Coverage Ratio under the Basel lll framework. These

disclosures as of June 30,2O2L, are placed on the Bank's Website http://www.sbi.co.in.

As per RBl Circulars DBR.No.BP.L5t99l21,.O4.O48/20L6-L7 and DBR.No.BP.L906/ 2L.O4.048/

2017-tg dated June 23, 2OL7 and August 28,2OI7 respectively,for the accounts covered

under the provisions of lnsolvency and Bankruptcy Code (lBC), the Bank is holding totalprovision of t 4,585 crore (100 % of total outstanding) as on June 30, 2021,.

7 The Bank has estimated the liability for Unhedged Foreign Currency Exposures in terms ofRBI Circular DBOD.No.BP.BC.85/2L.06.200/2OL3-L4 dated January L5,2OL4 and is holding a

provision of \72L.75 crore as on June 30,202t.

8 The spread of COVID-19 pandemic across the globe has resulted in decline in economicactivities and movement in financial markets. ln this situation, Bank is gearing up itself on

all fronts to meet the challenges. The situation continues to be uncertain and the Bank isevaluating the situation on an ongoing basis. Major challenges for the Bank could be fromextended working capital cycles, fluctuating cash flow trends and probable inability of theborrowers to meet their obligations against the loans timely. The Bank is proactivelyproviding against the challenges of likely stress on the Bank's assets. A definitive assessmentof the impact of COVID-l9 is dependent upon circumstances as they evolve in thesubsequent period.

2

4

5

6

A-va v fj 6?, R#! N r)

The Bank has proactively made an additional provision towards the possible impact ofCOVID-19 pandemic, on the basis of the evaluation and regular assessment. The said

provision is in addition to the provisions held as per RBI guidelines as regards loan loss

provisions. On the basis of above mentioned assessment, Bank's management is notexpecting any significant impact on Bank's liquidity or profitability'

The total provision for COVID-19 uncertainty as on June 30,2OZt is { 9,065 crore

9 Provision Coverage Ratio as on June 30, 2O2I is 85.93% (87 .75% as on March 3L,2O2tl.

10 The number of lnvestor complaints pending at the beginning of the quarter was NlL. The

Bank has received 60 lnvestor complaints during the quarter ended June 30, 2021 while 57

complaints have been disposed off during the quarter. There are 3 pending Investor

complaints at the end of the quarter ended June 30, 202t.

LL ln terms of RBI circular DOR. No. BP.BC/3/21.O4.048/2020-2L dated August 6 2020, thedetailed requirement as per Resolution Framework for COVID-19 related Stress during thequarter ended June 30, 2O2Iis given below:

{{ in croref

64

Type of

borrower

(A)

Number ofaccounts

where

resolution

plan has

been

implemented

under this

window

(B)

Exposure toaccounts

mentioned at

(A) before

implementation

of the plan

(D)

Additional

funding

sanctioned, ifdtry, including

between

invocation ofthe plan and

implementation

Personal

Loans

(c)

of (B),

aggregate

amount ofdebt that

was

converted

into other

securities

15

of which,

Corporate

persons*

,285

6460,313

MSMEs

Total

Others

60,222

2,977

*As defined in Section 3(7) of the lnsolvency and Bankruptcy Code, 2076

(E)

lncrease in

provisions on

account of the

implementation

of the resolution

plan

75,598 L2,93t

9,954

d V P 6>aFeck't'V

4,958

s

446

1,503

{a\ A-

t,949

744

t2 ln terms of RBI circular DOR.STR,REC.LL/2L.04.048/2OZ[-22 dated May 5, 2021-, Bank

implemented a resolution plan in respect of 52,052 borrowers amounting to { 5,246 crore.

L3 The figures for the quarter ended March 3L,2021- are the balancing figures between auditedfigures in respect of financial year 2O2O-21and the published year to date figures up toDecember 31.,2020.

L4 Previous period/year figures have been regrouped/reclassified, wherever necessary, toconform to current period classification.

Ashwini Tewari han J. As ni Bhatia Sreenivasulu Setty

Managing Director

(tB, T & Sl

For KhandelwalJain & Co.

Chartered untants

Alpesh WaghelaPartner: M. No. L42058Firm Regn. No. 105049W

For N. C. Rajagopal & Co.

Chartered Accountants

V. ChandrasekaranPartner: M. No. 024844Firm Regn. No. 0033985

Managing Director

(R, C & SARGI

Managing Director

{cB & GM}

Managing Director

(R & DBI

Kumar Khara

Chairman

For J. C. Bhalla & Co.

Cha Accountants

Rajesh Seth I

Partner: M. No. 085669Firm Regn. No. 001-11l-N

For K. Venkatachalam Aiyer &Co. Chartered Accountants

{,

A GopalakrishnanPartner: M. No. 0181-59

Firm Regn. No. 0046105

't/nS' R' TotlJl

Partner: M. No. 07L774Firm Regn. No. 000734C

For O. P. Totla & Co.


For S. K. Kapoor & Co.


V. B. Sin

Partner: M. No. 073L24Firm Regn. No. 000745C

For Karnavat & Co.


er Doshi

Pa : M. No. Lt7987Firm Regn. No. 1-04863W

For Umamaheswara Rao & Co.


\.r

G. Siva Ramakrishna Prasad

Partner: M. No. 024860Firm Regn. No.0044535

For Guha Nandi & Co.


For G. P. Agrawal & Co.


Pradeep Kumar Samal

Partner: M. No. 06L353Firm Regn. No.302082E

For Shah Gupta & Co.


Vipul K Choksi

Partner: M. No. 37606Firm Regn. No. 109574W

For Prem Gupta & Co.


Prem BehariGuptaPartner: M. No. 080245Firm Regn. No. 000425N

FoT SCV & CO. LLP


Rajiv PuriPartner: M. No.084318

Firm Regn. No.000235 N/N500089

For ASA & Associates LLP


Parveen KumarPartner: M. No. 088810

Firm Regn. No.009571N/N500006

a_G8;6-C.,.-**,-7-

Dr. B. S. Kundu

Partner: M. No. O5I22tFirm Regn. No. 302039E

Place: MumbaiDate: August 04,2O2t

1

Independent Auditors'Review Report on the Quarterly Unaudited Standalone FinancialResults of State Bank of India pursuant to the Regulation 33 of the SEBI (Listing Obligationsand Disclosure Requirements) Regulations. 2015, as amended.

ToThe Board of Directors,State Bank of India,State Bank BhavanMadame Cama RoadMumbai-400021

We have reviewed the accompanying Statement of Unaudited Standalone Financial Results ofState Bank of India ("the Bank") for the quarter ended June 30, 202L ("the Statement") attachedherewith, being submitted by the Bank pursuant to the requirement of Regulation 33 of the SEBI

(Listing Obligations and Disclosure Requirements) Regulations,2015, as amended ("the ListingRegulations") except for the disclosures relating to Pillar 3 disclosure as at June 30, 2021

including leverage ratio and liquidity coverage ratio under Basel lll Capital Regulations as havebeen disclosed on the Bank's website and in respect of which a link has been provided in theStatement and have not been reviewed by us. This Statement is the responsibility of the Bank'sManagement and has been approved by the Board of Directors. Our responsibility is to issue areport on the Statement based on our review.

2. We conducted our review of the Statement in accordance with the Standard on ReviewEngagements (SRE) 24L0, "Review of Interim Financial Information Performed by theindependent Auditor of the Entity", issued by the Institute of Chartered Accountants of India.This standard requires that we plan and perform the review to obtain moderate assurance as towhether the Statement is free of material misstatement. A review is limited primarily toinquiries of the Bank's personnel and analytical procedures applied to financial data and thusprovides less assurance than an audit. We have not performed an audit and accordingly, we donot express an audit opinion.

3. The financial results incorporate the returns of 42 domestic branches reviewed by us and 34

foreign branches, out of which 13 were reviewed by the Local Auditors of the Foreign Branches

, specifically appointed for this purpose. The financial results also incorporate the relevantreturns of Central Accounts Office and Global Market Unit reviewed by us. Our review reportscover 39.67 % of the advances portfolio of the bank and 46.63 % of the non performing assets

of the Bank.

Apart from these review reports, in the conduct of our review, we have also considered variousrefurns of other 1757 Domestic branches such as advance portfolio, non-performing assets andprovision duly certified by the respective Branch Managers of the Bank which are alsoincorporated in the financial results. The Branch Managers' reports cover 22|1,9 % of theadvances portfolio of the Bank and 2L.06% of the non-performing assets of the Bank.

4. Based on our review conducted as above and subject to limitations as mentioned in Para 3above, nothing has come to our attention that causes us to believe that the Statement includingnotes thereon prepared in accordance with applicable accounting standards and otherrecognized accounting practices and policies has not disclosed the information required to bedisclosed in terms of the Regulations, including the manner in which it is to be disclosed, orthat it contains any material misstatement or that it has not been prepared in accordance withthe relevant guidelines/prudential norms issued by the Reserve Bank of India in respect ofincome recognition, asset classification, provisioning and other related matters.

bN VMa- ?€9iw

,L rY' N Page 1 of 3

5. We draw attention to Note No. B of the Statement regarding impact of COVID-19 pandemic onBank's operations and financial results, the situation continues to be uncertain and the Bank isevaluating it on an ongoing basis with respect to the challenges faced.

Our conclusion is not modified in respect of this matter

For Khandelwal Jain & Co.Chartered

Alpesh WaghelaPartner:M. No.142058Firm Regn. No.105049W

UDIN:21142058AAAACR3328Place:Mumbai

,dtjSethi

For N.C. Rajagopal & Co.Chartered Accountants

For J.C. Bhalla & Co.

V. ChandrasekaranPartner:M. No. 024844Firm Regn. No.0033985

UDIN: 2'1.024844 AAAAEV7250Place: Chennai

Partner: M. No. 085669Firm Regn. No.001111N

U DIN : 21 0856 69AAAADJ 57 61

Place:Mumbai

Accountants

For K.Venkatachalam Aiyer & Co.Chartered Accountants

For Karnavat & Co.Chartered

For O.P. Totla & Co.Chartered Accountants

-/-,"4 r)

L

S. R. TOTIE--Partner: M. No. 071774

Firm Regn. No. 000734CUDIN: 2107177 4 AAAAAS993B

Place: Mumbai

$A Gopalakrishnan

Partner: M. No.018159Firm Regn. No. 0046105

UDIN:21 018159AAAAAG8290Place: Mumbai

FoTSCV&Co. LLPChartered Accountants

DoshiM. No.117987

Firm Regn. No.104863WUDIN: 21117 987 A AAAAX5925

Place:Mumbai

Rajiv PuriPartner: M. No.0B431B

FirmRegn.No.000235N/ N500089UDIN:2108431 SAAAADT1 418

Place: New Delhi

Page 2 of 3

For S. K. Kapoor & Co.Chartered Accountants

For G. P. Agrawal & Co.Chartered Accountants

B.

o. O73124

Firm Regn. No. 000745C

UDIN:21 073124AAAADV 2435Place:Mumbai

VPartner

Pradeep Kumar SamalPartner:M. No.061353Firm Regn. No.302082E

UDIN:21 061353AAAACG1552Place:Mumbai

For Umamaheswara Rao & Co.Chartered Accountants

For Shah Gupta & Co.Chartered Accountants

\,

For Guha Nandi & Co.Chartered Accountants

Vipul K ChoksiPartrer: M. No. 37606

Firm Regn. No.1.09574WU DIN : 21 03 7 60 6 A A A ACHS 699

Place: Mumbai

Dr. B. S. KunduPartner: M. No. 051221Firm Regn. No.302039E

UDIN : 21 0 5 122L A A A A AX66 41Place: Mumbai

G. Siva Ramakrishna PrasadPartrer:M. No. 024860Firm Regn. No.0044535

UDIN:21024860AAAAAU1519Place:Mumbai

Parveen KumarPartner: M. No.088810

FirmRegn.No.009571 N/ N500006UDIN:2108881 0AAAACH6855

Place:New Delhi

^^bPrem Behari Gupta

Partner: M. No.080245Firm Regn. No.000425N

UDIN:21080245AAAA AMB669Place:New Delhi


For ASA & Associates LLPChartered Accountants

For Prem Gupta & Co.

Date: August04,202L

Page 3 of 3

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