SCHEDULE 4 - BORROWINGS

(Rs.000 omitted)

As on 31.03.2005 As on 31.03.2004
I. Borrowings in India
(i) Reserve Bank of India 86343 43448
(ii) Other Banks 4573185 5724930
(III) Other Institutions and Agencies 5266193 491557
II. Borrowings outside India 17257185 6630650
TOTAL of I, II 27182906 12890585
Secured Borrowings included in I & II above Nil Nil