FORM NL-20-RECEIPT AND PAYMENTS SCHEDULE 
 
  Particulars   31st March, 2010 31st March, 2009 31st March, 2008 31st March, 2007 31st March, 2006 31st March, 2005
A )     CASH FLOW FROM OPERATING ACTIVITIES              
  Net Profit before taxation as per Profit & Loss A/c   1 29 02 020 1 81 15 885 1 06 72 959 1 78 94 585  44 29 444  80 00 809
  Adjustments for:              
  Exchange -Loss/Gain charged    23 91 734 - 19 53 562  7 42 782 - 4 23 602  2 82 059 - 2 16 540
  Provision for diminution in value of investment    1 30 283   97 725   65 731  1 79 333   37 377  1 22 845
  Provision for doubtful loans, investments & Debts   - 1 43 775 -  13 066 -  94 490 - 1 33 900 - 4 75 000  3 58 000
  Amortisation of Premium on Investment    2 54 403  2 96 921  3 38 864  3 49 585  3 40 022  3 33 816
  Investment Reserve Transferred to Profit & Loss A/c      0    0    0    0 -  5 845    0
  Depreciation     33 172   44 461   50 174   49 421   23 938   19 280
  -Profit /Loss on sale of Assets   -   106 -   366 -   231 -   283 -   298 -   56
  Provision for Leave Encashment & Salary Arrears   -  23 130   66 887  1 57 979   1 829 -  16 677   21 150
  Sundry Balances Written off/ -back      0 -  2 152   33 215   3 054    15 -   275
  Operating Profit before working capital changes   1 55 44 601 1 66 52 733 1 19 66 983 1 79 20 022  46 15 035  86 39 029
  Changes in Unexpired Risk Reserves    70 41 278 - 37 70 823 1 08 10 577 1 15 70 716 - 22 39 544  24 01 896
  Changes in Provisions for Outstanding Claims    75 87 756  99 54 177  33 53 141 - 37 11 462 2 18 86 430  84 36 721
  Changes in Income accrued on Investments    -  16 523 - 3 82 619 - 4 51 054 - 2 55 470   88 149 -  51 667
  Changes in Balances with Insurance Companies   - 66 91 774 - 75 38 998 - 3 84 186 - 22 26 721 - 22 36 248  14 51 152
  Changes in Advance and Deposits   - 24 13 631 - 16 69 687 - 10 43 869 - 43 34 524 - 13 02 552 - 23 01 452
  Changes in other Current Liabilities    23 75 940  31 82 485  28 26 576  20 99 804  15 24 621  21 19 419
  Cash generated from operations   2 34 27 647 1 64 27 268 2 70 78 168 2 10 62 365 2 23 35 891 2 06 95 098
  Income Tax Paid (Net)   - 37 18 258 - 24 17 015 - 42 39 604 - 6 11 579 - 17 48 430 - 74 50 672
  Net Cash from Operating Activities   1 97 09 389 1 40 10 253 2 28 38 564 2 04 50 786 2 05 87 461 1 32 44 426
                 
B ) CASH FLOWS FROM INVESTING ACTIVITIES              
  Purchase of Fixed Assets   -  44 966 -  71 087 -  24 405 -  58 894 -  49 985 -  46 626
  Proceeds from sale of Fixed Assets     1 565   1 092   1 159    408   1 068   2 995
  Foreign Currency Translation Reserve   - 12 02 120  1 93 771    0    0    0    0
  Changes in net Investments   -1 63 97 978 - 77 22 319 -1 12 11 950 -2 05 62 276 -1 57 00 233 -1 56 25 126
  Net Cash used in Investing Activities   -1 76 43 499 - 75 98 543 -1 12 35 196 -2 06 20 762 -1 57 49 150 -1 56 68 757
                 
C ) CASH FLOWS FROM FINANCING ACTIVITIES              
  Dividend Paid   - 27 95 000 - 19 78 000 - 30 96 000 - 8 60 000 - 6 45 000 - 6 45 000
  Dividend Tax Paid   - 4 75 010 - 3 36 161 - 5 26 165 - 1 20 615 -  90 461 -  82 640
  Net Cash from Financing Activities   - 32 70 010 - 23 14 161 - 36 22 165 - 9 80 615 - 7 35 461 - 7 27 640
                 
D) Effect of Foreign Exchange on Cash & Cash equivalents(Net)   - 23 91 734  19 53 562 - 7 42 782  4 23 602 - 2 82 059  2 16 539
  Net increase in Cash and Cash equivalents (A+B+C+D)   - 35 95 854  60 51 111  72 38 421 - 7 26 989  38 20 791 - 29 35 432
  Cash and Cash equivalents at beginning of period    3 13 27 002 2 52 75 891 1 80 37 470 1 87 64 459 1 49 43 668 1 78 79 100
  Cash and Cash equivalents at the end of period    2 77 31 148 3 13 27 002 2 52 75 891 1 80 37 470 1 87 64 459 1 49 43 668