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Muthoot finance ncd application form mar 2012

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Muthoot finance ncd application form mar 2012

Muthoot finance ncd application form mar 2012

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  • 1. MUTHOOT FINANCEa private limited company on March 14, 1997 under the provisions of the Companies Act, 1956, with the Our Company was originally incorporated as LIMITED APPLICATION FORM (ONLY FOR RESIDENT APPLICANTS) name “The Muthoot Finance Private Limited”. Subsequently, by a fresh certificate of incorporation dated May 16, 2007, our name was changed to ISSUE OPENS ON : FRIDAY, MARCH 02, 2012 “Muthoot Finance Private Limited”. Our Company was converted into a public limited company on November 18, 2008 with the name “Muthoot Finance MUTHOOT FINANCE LIMITED - NON-CONVERTIBLE DEBENTURES (“NCDs”) Limited” and received a fresh certificate of incorporation consequent to change in status on December 02, 2008 from the Registrar of Companies, Kerala ISSUE CLOSES ON: SATURDAY, MARCH 17, 2012 and Lakshadweep. For further details regarding changes to the name and registered office of our Company, see section titled “History and Main Objects” on page 118 of the Prospectus. Registered and Corporate Office: Muthoot Chambers, Opposite Saritha Theatre Complex, 2nd Floor, Banerji Road, Kochi 682 018, India.Tel: (91 484) 239 4712; Fax: (91 484) 239 6506; Website: www.muthootfinance.com; Email: ncd@muthootgroup.com. Company Secretary and Compliance Officer : Rajesh A.; Tel: (91 484) 353 5533; Fax: (91 484) 239 6506; E-mail: cs@muthootgroup.com Application No. 74000528 PUBLIC ISSUE BY MUTHOOT FINANCE LIMITED, (“COMPANY” OR “ISSUER”) OF SECURED NON-CONVERTIBLE DEBENTURES OF FACE VALUE OF ` 1,000 EACH, (“NCDs”), AGGREGATING UPTO ` 2,500 MILLION WITH AN OPTION TO RETAIN OVER-SUBSCRIPTION UPTO ` 2,500 MILLION FOR ISSUANCE OF ADDITIONAL NCDS AGGREGATING TO A TOTAL OF UPTO ` 5,000 MILLION, HEREINAFTER REFERRED TO AS THE “ISSUE”. CREDIT RATING : ‘[ICRA] AA-/STABLE’ BY ICRA AND ‘CRISIL AA-/STABLE’ BY CRISIL FOR AN AMOUNT OF UPTO ` 6,000 MILLION Lead Manager’s /Broker’s Name & Code Sub-Broker’s/ Agent’s Code Bank Branch Stamp Bank Branch Serial No. Date of Receipt 310109 KSBL 23/07701-38 To, The Board of Directors, MUTHOOT FINANCE LIMITED, Registered and Corporate Office: Muthoot Chambers, Opposite Saritha Theatre Complex, 2nd Floor, Banerji Road, Kochi 682 018, India. Dear Sirs, Having read, understood and agreed to the contents and terms and conditions of Muthoot Finance Limited’s Prospectus dated February 23, 2012, (“Prospectus”) I/We hereby apply for allotment to me/us; of the under mentioned NCDs out of the Issue. The amount payable on application for the below mentioned NCDs is remitted herewith. I/ We hereby agree to accept the NCDs applied for or such lesser number as may be allotted to me/us in accordance with the contents of the Prospectus subject to applicable statutory and/or regulatory requirements. I/We irrevocably give my/our authority and consent to IDBI Trusteeship Services Limited, to act as my/our trustees and for doing such acts and signing such documents as are necessary to carry out their duties in such capacity. I/We acknowledge that the NCDs will be pari passu with other secured creditors and will have priority over unsecured creditors. I/We confirm that: I am/We are Indian National(s) resident in India and I am/ we are not applying for the said NCDs as nominee(s) of any person resident outside India and/or Foreign National(s). I/We further confirm that applications made by me/us do not exceed the investment limit on the maximum number of NCDs which may be held by me/us under applicable statutory and/or regulatory requirements. Notwithstanding anything contained in this form and the attachments hereto, I/we confirm that I have carefully read and understood the contents, terms and conditions of the Prospectus, in their entirety and further confirm that in making my/our investment decision: (i) I/we have relied on my/our own examination of the Company and the terms of the Issue, including the merits and risks involved, (ii) our/my decision to make this application is solely based on the disclosures contained in the Prospectus, (iii) my/our application for NCDs under the Issue is subject to the applicable statutory and/or regulatory requirements in connection with the subscription to Indian securities by me/us, (iv) I/we am/are not persons resident outside India and/or foreign nationals within the meaning thereof under the Foreign Exchange Management Act, 1999, as amended and rules regulations, notifications and circulars issued thereunder, and (v) I/we have obtained the necessary statutory and/or regulatory permissions/consents/approvals in connection with applying for, subscribing to, or seeking allotment of NCDs pursuant to the Issue. Please fill in the Form in English using BLOCK letters Date d d / m m / y y y y APPLICANTS’ DETAILS NAME OF SOLE/FIRST APPLICANT Mr./Mrs./Ms. AGE years NAME OF GUARDIAN Mr./Mrs./Ms. DATE OF BIRTH d d m m y y y y (In case of minor only) (Compulsory for minor) ADDRESS (of Sole / First Applicant) Pin Code City (Compulsory) Telephone E-mail SECOND APPLICANT Mr./Mrs./Ms. THIRD APPLICANT Mr./Mrs./Ms. OTHER DETAILS OF SOLE/FIRST APPLICANT CATEGORY (Please 3 ) Category I Public Financial Institution Commercial / Co-operative / Regional Rural Bank Provident Fund, Pension Fund, Superannuation Fund and Gratuity Fund National Investment Fund Statutory Corporation Venture Capital funds registered with SEBI Insurance Companies registered with the IRDA Mutual Funds Category II Companies / Bodies Corporate / Registered Societies Public/Private Charitable/Religious Trusts Scientific and/or Industrial Research Organisations Limited liabiity partnership Partnership Firms in the name of the partners Resident Indian Individual with aggregate Application Amt. above ` 500,000 HUF through the Karta with aggregate Application Amt. above ` 500,000 Category III Resident Indian Individual with aggregate Application Amt. up to ` 500,000 HUF through the Karta aggregate Application Amt. up to ` 500,000 DEPOSITORY PARTICIPANT DETAILS Depository Name (Please 3) National Securities Depository Limited (NSDL) Central Depository Services (India) Limited (CDSL) Depository Participant Name DP - ID I N Beneficiary Account Number (16 digit beneficiary A/c. No. to be mentioned above)TEAR HERE INVESTMENT DETAILS Options I II III IV COMMON TERMS OF THE ISSUE: Issuer : Muthoot Finance Limited Frequency of Interest Payment Annual Annual Annual N.A Stock Exchange proposed for listing of the NCDs : BSE ` Face Value & Issue Price (` / NCD) (A) ` 1,000 ` 1,000 ` 1,000 ` 1,000 Issuance and Trading: Compulsorily in dematerialised form * Trading Lot : 1 (one) NCD Minimum Application ` 5,000/- (5 NCDs) (for all options of NCDs, namely Options I, Depositories : NSDL and CDSL Option II, Option III and Option IV either taken individually or collectively) Security : Security for the purpose of this Issue will be created in accordance with the terms of the Debenture Trust Deed. For further details In Multiples of ` 1,000 (1 NCD) please refer to the section titled “Issue Structure” beginning on page 193 Credit Rating - ICRA ‘[ICRA] AA-/Stable’ for an amount of upto ` 6,000 Million of the Prospectus. Issue Schedule *: The Issue shall be open from March 02, 2012 to Credit Rating - CRISIL ‘CRISIL AA-/Stable’ for an amount of upto ` 6,000 Million March 17, 2012 with an option to close earlier and/or extend upto a period as may be determined by a duly authorised committee of the Board Coupon (%) per annum constituted by resolution of the Board dated July 25, 2011. Interest on Application Money : 13% per Annum from the date of Coupon Rate (%) for NCD Holders 13.00% 13.25% 13.25% N.A realization of the cheque(s)/demand draft(s) or after 3 (three) days from the in Category I, Category II and date of receipt of the application, whichever is later. For further details Category III please see General Instruction no. 35. Interest on Refund Money : 13% per Annum from the date of realization Effective Yield (%) (per annum) of the cheque(s)/demand draft(s) or after 3 (three) days from the date of receipt of the application, whichever is later, subject to not being an invalid Effective Yield (%) for NCD Holders 13.00% 13.25% 13.25% 13.43% or withdrawn application. For further details please see General Instruction in Category I, Category II and no. 36. Category III Pay-in date : 3 (Three) business days from the date of reciept of application or the date of realisation of the cheques/demand drafts, whichever is later. Tenor 24 months 36 months 60 months 66 months Deemed Date of Allotment : Deemed date of allotment shall be the date Redemption Date 24 months from the 36 months from the 60 months from the 66 months from the as decided by the duly authorised committee of the Board constituted by Deemed Date Deemed Date Deemed Date Deemed Date resolution of the Board dated July 25, 2011, and as mentioned on the of Allotment of Allotment of Allotment of Allotment Allotment Advice / regret. Day count basis : Actual/Actual Redemption Amount (Per NCD) Repayment of the Face Value plus any interest that ` 2,000 * In terms of Regulation 4(2)(d) of the SEBI Debt Regulations, the Company may have accrued at the Redemption Date. will make public issue of NCDs in the dematerialised form. However, in terms of Section 8 (1) of the Depositories Act, the Company, at the request of the Applicants who wish to hold the NCDs post allotment in physical No of NCDs applied for (B) form, will fulfill such request through the process of rematerialisation. Nature of Indebtedness : Pari passu with other secured creditors and priority over unsecured creditors Amount Payable (` ) (A x B) Credit Rating : The NCDs proposed to be issued under this Issue have been rated ‘[ICRA] AA-/Stable’ by ICRA for an amount of upto ` 6,000.00 million vide its letter dated February 06, 2012 and ‘CRISIL AA-/Stable’ by CRISIL for an amount of upto ` 6,000.00 million vide its letter dated Total Number of NCDs (I+II+III+IV) February 06, 2012. The rating of the NCDs by ICRA indicates a high degree of safety regarding timely servicing of financial obligations. The rating of the NCDs by CRISIL indicates a high degree of safety regarding timely Grand Total (I+II+III+IV) (` ) servicing of financial obligations. These ratings are not a recommendation to buy, sell or hold securities and investors should take their own decisions. Please refer to page 287 to 293 of the Prospectus for rating letter and rationale for the above rating. PAYMENT DETAILS (See General Instruction no. 43H) Total Amount Payable (` in figures) (` in words) Cheque / Demand Draft No. _________________________________________ Dated ____________________________ Drawn on Bank__________________________________________________________________________________________ Branch__________________________________________________________________________________________________ • Please Note : Cheque / DD should be drawn in favour of “Escrow Account Muthoot Finance NCD Public Issue” by all applicants. It should be crossed “A/c Payee only”. • Please write the sole/first Applicant’s name, phone no. and Application no. on the reverse of Cheque/DD. • Demographic details will be taken from the records of the Depositories for purpose of refunds, if any. • Bank details will be obtained from the Depositories for payment of Interest / refund / redemption as the case may be. SOLE/FIRST APPLICANT SECOND APPLICANT THIRD APPLICANT PERMANENT ACCOUNT NUMBER (Mandatory) See General Instruction no. 43F SIGNATURE(S) TEAR HERE ACKNOWLEDGEMENT SLIP MUTHOOT FINANCE LIMITED Date d d / m m / y y y y Registered and Corporate Office: Muthoot Chambers, Opposite Saritha Theatre Complex, 2nd Floor, ACKNOWLEDGEMENT SLIP FOR APPLICANT Banerji Road, Kochi 682 018, India. Tel: (91 484) 239 4712; Fax: (91 484) 239 6506; Website: www.muthootfinance.com; Email: ncd@muthootgroup.com. Company Secretary and Compliance Application No. Officer : Rajesh A.; Tel: (91 484) 353 5533; Fax: (91 484) 239 6506; E-mail: cs@muthootgroup.com 74000528 Received From Options Face Value No. of NCDs Amount Payable (` ) cfl_mum@crystalforms.com (A) applied for (B) (A x B) Cheque/Demand Draft No. Dated Banks Stamp & Date I ` 1000/- ` 1000/- Drawn on (Name of the Bank and Branch) Crystal II III ` 1000/- All future communication in connection with this application should be addressed to the Registrar to the Issue LINK INTIME INDIA PRIVATE LIMITED, C-13, Pannalal Silk Mills Compound, IV ` 1000/- L.B.S. Marg, Bhandup (West), Mumbai 400 078, India. Tel: (91 22) 2596 0320, Fax: (91 22) 2596 0329, Toll Free: 1-800-22-0320, Email: mfl.ipo@linkintime.co.in, Investor Grievance Email: mfl.ipo@linkintime.co.in, Website: www.linkintime.co.in, Contact Person: Sachin Achar, SEBI Grand Total (I+II+III+IV) (`) Registration No.: INR000004058 Quoting full name of Sole/First Applicant, Application No., Type of options applied for, Number of NCDs applied for, Date, Bank and Branch where the application was Acknowledgement is subject to realization of Cheque / Demand Draft. submitted and Cheque/Demand Draft Number and name of the Issuing bank. While submitting the Application Form, the Applicant should ensure that the date stamp being put on the Application Form by the Bank matches with the date stamp on the Acknowledgement Slip.
  • 2. MUTHOOT F NANCE L M TED COLLECT ON CENTREES FOR APPL CAT ON FORMAX S BANK L M TEDHDFC BANK L M TED C C BANK L M TED DB BANK L M TED NDUS ND BANK L M TEDYES BANK L M TED MUTHOOT F NANCE L M TED APPL CAT ON FORMS AVA LABLE AT FOLLOW NG LOCAT ONS LEAD MANAGERS TO THE SSUE LEAD BROKERS TO THE SSUEICICI SECURITIES LIMITED AGRA : ICICI Securities Ltd,Mr. SUSHANT BEJROI,13A, 1St Floor,Sadar Bazar,,AGRA - 282002; AHMEDABAD : ICICI Securities Ltd,Mr. KRUNAL NANAVATI,Shop no 6, Sun complex,C.G. Road,,AHMEDABAD - 380009;ICICI Securities Ltd,Mr. ABHISHEK SHARMA,First Floor Shop No 119,Akshar Commercial Complex Nr.Shivranjani Cross Road,Satellite Road,AHMEDABAD - 380015;ICICI Securities Ltd,Mr. RAVI SETHIA,Ground Floor, Shop No 4 & 5,Shilp Corner, Subhash Chowk,Gurukul Road, Memnagar,AHMEDABAD - 380052;ICICI Securities Ltd,Mr. HETAL PATEL,First Floor, Shop No. 106/107,Krishnabaug Char Rasta,Kesharkunj Complex Maninagar,AHMEDABAD - 380008;ICICI Securities Ltd,Mr.AALAP SHAH,Ground Floor Shop No 39,40,41,42,Sarjan 2, 100 Feet Road,Sarjan 2,New C.G Road,Chandkheda,AHMEDABAD - 382424;ICICI Securities Ltd,Mr. AKHILESH TIWARI,Sardar Centre, Grd Floor,Shop no. 31 to 35,Near Vastrapur Lake,Vastrapur,AHMEDABAD - 380015;ICICI Securities Ltd,Mr. VRUNDA SHASTRI,Shop No. 1,2,3,4,Suvas Complex, 1St Floor Above ICICI Bank,Opp. Rajasthan HospitalShahibaug.,AHMEDABAD - 380004; AJMER : ICICI Securities Ltd,Mr. ALOK MUKERJEE,1St Floor, 17/517,Kutchery Road,,AJMER - 305001; ALLAHABAD : ICICI Securities Ltd,Mr. VIKRAM SINGH,27/17, 1St Floor,Algin Road, Civil Lines,,ALLAHABAD - 211001; AMRITSAR : ICICI Securities Ltd,Mr. SAURAV GUPTA,3, Lawrence Road,AMRITSAR - 143002; AURANGABAD : ICICI Securities Ltd,Mr. BHAVESHBHANUSHALI,Gr. Floor, Ghai Chambers,Jalna Road,,AURANGABAD - 431001; BANGALORE : ICICI Securities Ltd,Mr. NAVEEN GOWDA,73/1-1, Krishna ,Infantry Road,BANGALORE - 560001;ICICI Securities Ltd,Mr. RAVIKANTA K,First Flr, CNN & Yashosha Complex,No.87 , HBCS Layout, Near West Of Chord Road Shankarmath Circle,Opp Chord Hospital, Basweswar Nagar,,BANGALORE - 560079;ICICI SecuritiesLtd,Mr. SRINIVASAN GOPALAKRISHNAN,First Floor, No. 9/1,Cambridge Road Layout, First Cross,,BANGALORE - 560008;ICICI Securities Ltd,Mr. VIPIN TRIVEDI,First Floor, No.778/A,Chinnaswamy Chambers, off CMH Road,Indira Nagar.,BANGALORE - 560038;ICICI Securities Ltd,Mr. SHASHIKANTH RAO,Sriranga Complex, No. 77, First Floor,Dr. Modi Road,2Nd Stage West of Chord Road,,BANGALORE -560086;ICICI Securities Ltd,Mr. PIYALI ROYCHOWDHURY,First Floor No.50 Little Plaza,Cunningham Road,,BANGALORE - 560052;ICICI Securities Ltd,Mr. PRAKASH SRIVASTAVA,First Floor,135/5, 15Th Cross,100 Ft Ring Road,3Rd Phase J P Nagar,BANGALORE - 560078;ICICI Securities Ltd,Mr. MALLIKARJUN KUBSAD,First Floor, No 81/B 22Nd Cross,Jaya Nagar, 3Rd Block,BANGALORE - 560041;ICICISecurities Ltd,Mr. KULDEEP KALYANKUMAR,No:399 ,White Gold,1St Floor,24Th Cross, Bhanashankari II Stage,BANGALORE - 560070;ICICI Securities Ltd,Mr. AMITABH KUMAR,Second Floor, No:4C-402 HRBR Layout Kamanahalli,II Block,BANGALORE - 560043;ICICI Securities Ltd,Mr. SATYAJEET SHARMA,First floor No. 209, New BEL Road,BANGALORE - 560054;ICICI Securities Ltd,Mr. SUKESH KS,#105,A.E.C.S. Layout 2Nd Stage 5Th Main Post Officeroad,Sanjay Nagar Main Road,BANGALORE - 560094;ICICI Securities Ltd,Mr. MANISH KUMAR,6/1, Ghandi Bazar First Floor,Basavanagudi,Main Road, Gandhi Bazar.,BANGALORE - 560004;ICICI Securities Ltd,Mr. NARENDRA KUMAR,No.2, 100Ft Ring Road, Katriguppa Circle,Bhanashankari III Stage,BANGALORE - 560085;ICICI Securities Ltd,Mr. DHANANJAYKUMAR,No 72/1-B,Kanakapura,Mani Road Jarganahalli,BANGALORE - 560078;ICICI Securities Ltd,Mr. MANISH KUMAR SINGH,290/1, 11Th Cross,Wilson Garden,BANGALORE - 560027;ICICI Securities Ltd,Mr. ,No.20, 1St Main,Gandhinagar,BANGALORE - 560009;ICICI Securities Ltd,Mr. ,No. 46, 100 Feet Road,First Floor, Koramangala, 6th Block,,BANGALORE - 560095;ICICI Securities Ltd,Mr. ,147, FirstFloor, Anjaneya Complex,Hal Airport Road, Near Petrol Pump,,BANGALORE - 560017; BHOPAL : ICICI Securities Ltd,Mr. VINIT KARMALEKAR,2, Malviya Nagar,Opp. Old Vidhan Sabha,,BHOPAL - 462001; BHUBANESHWAR : ICICI Securities Ltd,Mr. ,Ground Floor,Plot No-99,Janpath,Unit-3,Kharbelnagar,BHUBANESHWAR - 751001;BHUJ : ICICI Securities Ltd,Mr. RAJU CHAKRAVARTY,Jubilee Circle,Opp. All IndiaRadio, Bhuj, Kutch,BHUJ - 370001; BIKANER : ICICI Securities Ltd,Mr. SANDEEP JAIN,Gr. Floor, 44, Panchshati Circle,Sadulganj,,BIKANER - 334001; CHANDIGARH : ICICI Securities Ltd,Mr. RAJIV GOYAL,SCO-181/182,1st floor, Next to British Library,Sector 9C,CHANDIGARH - 160017; ICICI Securities Ltd,Mr. AMIT TYAGI,Sco 62,Sec - 47C,,CHANDIGARH - 160047;CHENNAI : ICICI Securities Ltd,Mr. SHANMUGAMS,Shop No. 10 & 11 Arihant Vaikunt, No 123,Brick Kiln Road,’Purasawalkkam ,,CHENNAI - 600007;ICICI Securities Ltd,Mr. ,Ashok Sriranga, No.1,9Th Street,Nanganallur,CHENNAI - 600061;ICICI Securities Ltd,Mr. KUMARESH J,Ground Floor, Plot No. 1072 Munusamy Salai, Next to Pondicherry Guest House,West K K Nagar,CHENNAI - 600078;ICICI Securities Ltd,Mr. SUNEESH EM,405, TiruvalluvarSalai,Mogappair,Paneer Nagar,CHENNAI - 600037;ICICI Securities Ltd,Mr. ,First Floor T-1, Yesesi Supermarket Building,Annanagar,CHENNAI - 600040;ICICI Securities Ltd,Mr. STENNY SEBASTIAN,Flat No 4, 70/27,North Mada Street Mylapore,CHENNAI - 600004;ICICI Securities Ltd,Mr. PRIYADHARSINI G,475 Kilpauk Garden Road,Kilpauk,CHENNAI - 600010;ICICI Securities Ltd,Mr. ,PVM Complex, Plot No 1&2,VGP Vimala Nagar, Velachery Main Road, Medavakkam,,CHENNAI - 600100;ICICI Securities Ltd,Mr. ,1,3Rd Cross Street Kasturibai Nagar, Adyar,CHENNAI - 600020;ICICI Securities Ltd,Mr. SARAVANAN B,Ground Floor, No. 17,Arunachalam Road Saligramam,CHENNAI - 600093;ICICI Securities Ltd,Mr. PANCHAPAKESAN S,Shop No. 2,Century Plaza,560-562,Annasalai, Teynampet,CHENNAI - 600018;ICICISecurities Ltd,Mr. SYED IBRAHIM,No. 228, Thambu Chetty Street, Parrys,CHENNAI - 600001; COIMBATORE : ICICI Securities Ltd,Mr. SARAVANAN .K,444, X-Cut Road,Gandhipuram,Coimbatore,COIMBATORE - 641012; CUTTACK : ICICI Securities Ltd,Mr. RANJAN ROUT,1St Floor, Plot No. 37 & 38, Dolamundai,Post Office - Telenga Bazar,,CUTTACK - 753009; DEHRADUN : ICICI Securities Ltd,Mr. RAJAN RAWAT,81A,Rajpur Road,Uttam Place, Dehradun,,DEHRADUN - 248001; FARIDABAD : ICICI Securities Ltd,Mr. SHUBHAM SRIVASTAVA,Ground Floor,SCO 52,HUDA Market, Sector-29.,FARIDABAD - 121008; GHAZIABAD : ICICI Securities Ltd,Mr. ANAND SINGH,Office No S-4,5,7 & 8,Ground Floor,Girdhar Plaza.Plot No.H-1,Block No.B, Shalimar garden,Sahibabad,GHAZIABAD - 201005; ICICI Securities Ltd,Mr. ,Ground Floor,Supertech Icon,Nayay Khand-I,Indira Puram,GHAZIABAD - 201010; GURGAON : ICICI Securities Ltd,Mr. ,Sco 4, Sector 14,,GURGAON - 120001;ICICI Securities Ltd,Mr. VIKAS SINGH,A-4,5, DLF Shopping Mall,Arjun Marg,DLF City-I,GURGAON - 122002; GUWAHATI : ICICI Securities Ltd,Mr. UTTAM KUMARSHAHU,3rd & 4th Floor, D.R.Braj Mohan Building,Opp. Abc Bus Stand,M73,G.S.Road,,GUWAHATI - 781005;HOWRAH : ICICI Securities Ltd,Mr. NILANJAN ROY,Sriniketan,Howrah AC Market 20, Dobson Road,HOWRAH - 711101; HUBLI : ICICI Securities Ltd,Mr. PRASHANT S T,KVM PLAZA,1st Floor,Next to JTK Show Room,Club Road (Bellow VLCC),HUBLI - 580029; HYDERABAD : ICICI Securities Ltd,Mr. ,D. No. 19-64, 1St Floor, Prasanna Heights Brundavan Colony,Opp. A. S Rao Nagar Colony,HYDERABAD - 500062;ICICISecurities Ltd,Mr. VENKATAKRISHNA CH,1St Floor,Shop No.1,2&3,Sreeram Rama Towers,Chaitanyapuri, Dilsukhnagar,HYDERABAD - 500060;ICICI Securities Ltd,Mr. VASUDEBO NARAM,D No. 2-2-1130/25A,Chintala Arcade Sivam Main Road, Prasanth Nagar New Nalllakunta,HYDERABAD - 500044;ICICI Securities Ltd,Mr. SURESHKUMAR ARLA,1St Floor,3-6-517,Shop No-103 Sai Datta Arcade,Himayatnagar,Main Road,HYDERABAD - 500029;ICICI Securities Ltd,Mr. DEVENDRA KUMAR,Ground Floor, 101 & 102 Prashanthi Ram Towers,Behind Saradhi Studio,Yellareddy Guda.,HYDERABAD - 500073;ICICI Securities Ltd,Mr. GBLAXMINARAYANA RAJU,Ground Floor, 11-4-659,Bhavya Farooqi Splendid Towers,Red Hills,Lakdikapool,HYDERABAD - 500004;ICICI Securities Ltd,Mr. RAGHAVENDRAPRASAD PATNAM,FirstFloor,B- 44,Journalist Colony,Film Nagar Road, Jubilee Hills,HYDERABAD - 500016;ICICI Securities Ltd,Mr. MAHESHWAR MN,First Floor, 6-3-111 Amrutha Mall Somajiguda,HYDERABAD - 500082;ICICI Securities Ltd,Mr. BURA RAJKUMAR,First Floor,D.No.1-10-209,Kamala Towers, Ashoknagar,HYDERABAD - 500020;ICICI Securities Ltd,Mr. SRINIVASARAO MUDDAPATI,32/3RT, First Floor,Municipal No.7-1-261/92E Sanjeeva Reddy Nagar,Opp Nest Apartment,HYDERABAD - 500038;ICICI Securities Ltd,Mr. HARISH REDDY,First Floor, Concourse Building Opp:Meridian Plaza,Green Lands Road,Ameerpet,HYDERABAD - 500016;ICICI Securities Ltd,Mr. RAVIKUMAR NANGUNOORI,Plot No 3 & 4 Sreerama Towers, Opp: Andhra Bank,Miyapur.,HYDERABAD - 500049;ICICI Securities Ltd,Mr. ,214 MIG KPHB Colony,RoadNo.1,Near KPHB Kaman, Kukatpalli,HYDERABAD - 500072; ICICI Securities Ltd,Mr. HUSNA HAJI,Groud Flr,D.No:1-8-138 To 143, Krishna Castle, Besi - Heritage Flights ,Penderghast Road,,SECUNDERABAD - 500003;ICICI Securities Ltd,Mr. SANDEEP NARAYAN,D No. 3-6-100/B, Ground Floor, Opp. Vijaya Bank, West Marredpally,SECUNDERABAD - 500026;ICICI Securities Ltd,Mr. NARENDAR KONDUPARTHY,GroundFloor, Plot No 29 Opp. Cyber Towers, Hi- Tech City,Madhapur,SECUNDERABAD - 500033;ICICI Securities Ltd,Mr. ,A-G-1 & A-G-2, Conjeevaram House, Padmarao Nagar.,SECUNDERABAD - 500025;ICICI Securities Ltd,Mr. MOHAMMED PASHA,Ground Floor,Survey No.19/A,Ward No1 D. No. 4-65/5, Street No,8 Habsiguda,SECUNDERABAD - 500007; INDORE : ICICI Securities Ltd,Mr. ANUJ PANDEY,1StFloor,Anjani Plaza,Ashok Nagar,,INDORE - 452001;ICICI Securities Ltd,Mr. ANAND PESHKAR,Ug-6, Ug-7, Shekhar Residency, Opp Hotel Forture Land Mark,Scheme - 54, Sector F,,INDORE - 452001;ICICI Securities Ltd,Mr. ABHISHEK GUPTA,UG 5/6, Royal Road Gold, A.Y.N.Road,,INDORE - 452001; JABALPUR : ICICI Securities Ltd,Mr. SANJEEV SINGH,655, Napier Town, Katanga Gorakhpur Crossing,,JABALPUR- 462001; JAIPUR : ICICI Securities Ltd,Mr. TARUNA RAMWANI,A-2, Lal Kothi Shopping Center,Near Lakshmi Mandir Cinema,Tonk Road,JAIPUR - 302015;ICICI Securities Ltd,Mr. PRATIBHAAGARWAL,Shop No. G-8,G-9 Vaishali Tower II,Vaishali Nagar, Nursery Circle,JAIPUR - 302021;ICICI Securities Ltd,Mr. GOVIND CHOUDHARY,Gr.Floor, Opp. G. P. O. M I Road,JAIPUR - 302001;ICICI Securities Ltd,Mr.DURGESH KANWAR,G-34,Ganpati Paradise, Central Spine, Vidhyadhar Nagar,JAIPUR - 302023; JAMNAGAR : ICICI Securities Ltd,Mr. SATISH BHALARA,3Rd Floor, Cross Road Complex, Opp. D.K.V. College, Bedi Bunder Road,,JAMNAGAR - 361008; JAMSHEDPUR : ICICI Securities Ltd,Mr. DEEPAK RANJAN,Gayatri Enclave 2nd Floor (Rear Portoin) Bistupur.,JAMSHEDPUR - 831001; JODHPUR : ICICI SecuritiesLtd,Mr. PUJA RAY,Gul-Indi Bhawan, 1st Floor, Plot No. 9/A/B/I and III, Ratanada, Nr. Punjab National Bank, Ratanada Road,,JODHPUR - 342001; KANPUR : ICICI Securities Ltd,Mr. SATYAJIT NAG,111/432, 80 Ft Road, Ashok Nagar,,KANPUR - 208001; KOCHI : ICICI Securities Ltd,Mr. VIPIN NAIR,1St Floor, Prabhus Towers, Mg Road, North End,,KOCHI - 682035;ICICI Securities Ltd,Mr. SREEJITH MS,44/2102-C,Deshabhimani Junction, Kaloor,,KOCHI - 682017;ICICI Securities Ltd,Mr. ,First floor,Adonai Towers,, S.A.Road,,KOCHI - 682016; KOLKATA : ICICI Securities Ltd,Mr. ARINDAM SAHA,30-G, Chowringee Mansion,J L Nehru Road,Park Street.,KOLKATA - 700016;ICICI Securities Ltd,Mr. DEEP KUMAR,112A, Third floor, Rash Behari Avenue,KOLKATA - 700029;ICICI Securities Ltd,Mr. AMULLYA BISWAS,VictoriaPlaza,385, Garia Main Road,KOLKATA - 700084;ICICI Securities Ltd,Mr. NITISH SHRIVASTAVA,339, Canal Street, Lake Town,,KOLKATA - 700048;ICICI Securities Ltd,Mr. MADHURI GUPTA,95, Dumdum Road,,KOLKATA - 700074;ICICI Securities Ltd,Mr. DEBPRIYO BOSE,P.S. Srijan Tech Park, Dn 52, Salt Lake City, Sector V,,KOLKATA - 700091;ICICI Securities Ltd,Mr. ,46 C, Jawaharlal Nehru Road, 15A, EverestHouse,KOLKATA - 700071; LUCKNOW : ICICI Securities Ltd,Mr. DEBMALYA MUKHERJEE,Ground Floor, Landmark Arcade2,Badshah Nagar Crossing,Faizabad Road,LUCKNOW - 226006;ICICI Securities Ltd,Mr. BINIT AGARWALA,Raj Palace, A1/15,Sector H, Purania Chauraha,Aliganj,LUCKNOW - 226024;ICICI Securities Ltd,Mr. IMRAN KHAN,S/268, E Block Market,Awasthi Complex,Rajajipuram,LUCKNOW -226017;ICICI Securities Ltd,Mr. NITESH TIWARI,First And Second Floor, Speed Building, 3, Shahnajaf Road,LUCKNOW - 226001; LUDHIANA : ICICI Securities Ltd,Mr. GURPREET MANGAT,Sayal Complex,Near Cycle Market, Gill Road,,LUDHIANA - 141001; MADURAI : ICICI Securities Ltd,Mr. ,1St Floor, No. 466, 467 A.R. Complex,K.K. Nagar, Madurai 625020 Tamilnadu,MADURAI - 625020; MEERUT : ICICISecurities Ltd,Mr. VINEET CHOUDHARY,P P Plaza Plot No. 177/1, Mangal Pandey Nagar,MEERUT - 250005; MOHALI : ICICI Securities Ltd,Mr. PAWAN SINGH,SCF 15,16,17,Phase-10, Mohali,MOHALI - 160060; MUMBAI : ICICI Securities Ltd, Gr. Floor, H.T Parekh Marg, Back Bay Reclamation,Churchgate,,MUMBAI - 400020; ICICI Securities Ltd, SHREE SAWAN KNOWLEDGE PARK, GR. FLOOR, PLOT NO. D-507,T.T.C INDUSTRIALAREA, M.I.D.C, TURBHE, NEAR JUINAGAR RAILWAY STATION, 400705; ICICI Securities Ltd,Mr. MEHUL SHAH,Shop no 11, Megh Apartment, Junction of factory lanes & LT road,,MUMBAI - 400092;ICICI Securities Ltd,Mr. ,Jaya Apartments, R B Mehta road,Near Patel Chowk, Ghatkopar (E),MUMBAI - 400075;ICICI Securities Ltd,Mr. SANKALP KUMAR,Shop no. 9,10, Meriline Corner, Near SionCircle,SION (E),MUMBAI - 400022;ICICI Securities Ltd,Mr. ANSHULIKA PREMCHANDANI,Shop No. 1 & 2, Dilkush Bungalow,J. P. Road, Andheri West,MUMBAI - 400058;ICICI Securities Ltd,Mr. NILESH ARAS,56/57, Saraf Choudhari Nagar Co. Op. Soc.,Thakur Complex,Kandivali East,MUMBAI - 400101;ICICI Securities Ltd,Mr. UMESH GUPTA,Shop No. 26, 27 & 51, Gr.Floor, Ashoka Shopping Centre,LT Marg, GTHospital Compound,Marine Lines,MUMBAI - 400002;ICICI Securities Ltd,Mr. ,1A&2, Balaji Arcade,S.V Road Kandivili (W),MUMBAI - 400067;ICICI Securities Ltd,Mr. BHAVIN GANDHI,Ground Floor,Jayshree Plaza,L.B.S. Marg, Bhandup (W),MUMBAI - 400078;ICICI Securities Ltd,Mr. ,Gr.Floor,Shop No.7,8,9, Anand Vatika,Siddharth Nagar, Nr City Centre, S V Road,Goregaon (W),MUMBAI - 400062;ICICISecurities Ltd,Mr. ,Gr Floor, Devraj Mall, Krishna Kunj Hsg Soc. Harishankar Joshi Road,Opp. Madhuram Hall, Dahisar (E).,MUMBAI - 400068;ICICI Securities Ltd,Mr. R SHASTRI,1St Floor Sai Kiran,Central Avenue 11Th Road Junction,Chembur.,MUMBAI - 400074;ICICI Securities Ltd,Mr. ARVIND TIWARI,Radha Kunj, Azadnagar,Vile Parle West,MUMBAI - 400056;ICICI Securities Ltd,Mr. DHARMVEERSACHAN,Gr. Floor, Vardhaman Apt.,40, Hanuman Road,Vile Parle (E),MUMBAI - 400057;ICICI Securities Ltd,Mr. PAWAN BALI,Gr. Floor, Shop No. 2,Grace Chamber, Amrit Nagar, Chakala, Andheri (E),,MUMBAI - 400093;ICICI Securities Ltd,Mr. ,227, Gr. Floor, G-2A,Nariman Bhavan,Nariman Point,MUMBAI - 400021;ICICI Securities Ltd,Mr. RAJESH SINGH,Shop No. 1,2,3,4, Shagun Mall,Dindoshi, GokulDham, Goregaon (E),,MUMBAI - 400063;ICICI Securities Ltd,Mr. ,Gr. Floor, H.T Parekh Marg, Back Bay Reclamation,Churchgate,,MUMBAI - 400020; ICICI Securities Ltd,Mr. AJAY SINGH,1st Floor,Gopi Cinema Mall,,DOMBIVALI - 421202; ICICI Securities Ltd,Mr. KSHITIJ SHARMA,Shop No 4,5,6,7Roop Maya Co-Op Hsg.Soc., Sector 6, Airoli,NAVI MUMBAI - 400708;ICICI Securities Ltd,Mr. ANUP KUMAR,ShopNo.6,7 & 8,Ground Flr.Vaishnavi Tower,Sector-44,Nerul (W).,NAVI MUMBAI - 400706;ICICI Securities Ltd,Mr. VIKAS SHARMA,Apsara Building,Shop No. 4, Sector - 17,Vashi.,NAVI MUMBAI - 400702;ICICI Securities Ltd,Mr. ARVIND JHA,Gr. Floor,Tulsi Pooja Shopping Center,New Panvel (E).,NAVI MUMBAI - 410206;ICICI Securities Ltd,Mr. SANJAY RANKA,Shop No. 1, Bhomi Tower,Sec - 4, Plot No.28,Kharghar,,NAVI MUMBAI - 410210; MYSORE : ICICI Securities Ltd,Mr. ANIL MN,D. No. 86/3A, Panabvati Circle, Kalidasa Road,Jayalakshmipuram,,MYSORE - 570012; NAGPUR : ICICI Securities Ltd,Mr. AMIT GONDEWAR,Ganesh Heights,Kotwal Nagar Ring Road, Khamla,NAGPUR - 440015; ICICI Securities Ltd,Mr. RAVINDRAAKHARE,First Floor,Shop No. 138 To 140,Shree Ram Shyam Towers,,NAGPUR -440001; NASIK : ICICI Securities Ltd,Mr. SHAUNAK BODKE,Shop No. 67, 68, Vasant Market,Canada Corner,,NASIK - 422002;ICICI Securities Ltd,Mr. VIHIT SALINS,Ground Floor, Plot No. 7, Mahindra Memorial Centre,Near Babu Bunglow, Rathchakra Chowk,Vadala- Pathardi Road, Indira Nagar,NASIK - 422009; NEW DELHI : ICICI Securities Ltd,Mr. ,GR. FLOOR,PREMISES NO F-3/28, KRISHNA NAGAR, NEARVIJAY CHOWK ,MAIN MARKET,,NEW DELHI - 110051;ICICI Securities Ltd,Mr. KHAGENDRA PANT,Ground Floor, UG-05,Upper Gr. Floor,Vikas Surya Plaza, 7 Community Centre, Road No. 44, Pitam Pura, Rani Bagh,NEW DELHI - 110034;ICICI Securities Ltd,Mr. ,Ground Floor, Plot No. 24 ,25, LSC Mayur Vihar-II,NEW DELHI - 110096;ICICI Securities Ltd,Mr. JAYDEV MANDAL,Ground Floor & Mezzanine, Ab-11,Community Center Safdarjung Enclave,NEW DELHI - 110029;ICICI Securities Ltd,Mr. ,Ground Floor & Mezzanine, 29, Community Centre, Naraina Industrial Estate, Phase - I,NEW DELHI - 110028;ICICI Securities Ltd,Mr. ,Building No 4, 1St Floor, SMR House, Basant Lok Vasant Vihar,NEW DELHI - 110057;ICICI Securities Ltd,Mr. PUJA KUMARI,1st Floor, Shop No. 39, Pushpa Market, Lajpat nagar II,NEWDELHI - 110024;ICICI Securities Ltd,Mr. RAVIKUMAR SHARMA,Ground Floor Plot no-8A,Block No.E,Hauz Khas,NEW DELHI - 110016;ICICI Securities Ltd,Mr. MOHAMMAD AAMIR,Ground Floor & First Floor Plot No 17, Community Center,Mayapuri,NEW DELHI - 110064;ICICI Securities Ltd,Mr. RAHUL SHARMA,Ground Floor 4435-3/6, Portion 4/7 Ansari Road, Next to Corrporation Bank ATM, Daryaganj,NEWDELHI - 110002;ICICI Securities Ltd,Mr. RAVISH SINGH,Gr. Floor , 1St Floor, Plot No-10, LSC Rajdhani Enclave, Vikas Marg, RAJDHANI ENCLAVE, NEAR KARKARDOOMA,NEW DELHI - 110092;ICICI Securities Ltd,Mr. PREETI SINGH,Ground Floor, Rohini Sector-9, Near Kadambri CGHS Ltd,NEW DELHI - 110085;ICICI Securities Ltd,Mr. RAHUL AGGARWAL,Ground Floor & Upper, 22 Central Market, AshokVihar,NEW DELHI - 110052;ICICI Securities Ltd,Mr. VISHAL NARANG,Unit F-7,8,9,10,11,12,13,14,Malik Buildcon Plaza-2 Pocket-V Sec 12, Dwarka,NEW DELHI - 110075;ICICI Securities Ltd,Mr. DEEPAK THAKUR,Gr. Floor 30/5,Nangia Park Circle, Shakti Nagar,NEW DELHI - 110007;ICICI Securities Ltd,Mr. ARINDAM BISWAS,Ground Floor 3C/4, New Rohtak Road,NEW DELHI - 110005;ICICI Securities Ltd,Mr.MAYANK PANDEY,First Floor (Left Side), DDA Shopping Complex, Alaknanda,NEW DELHI - 110019;ICICI Securities Ltd,Mr. ASEEM KAPOOR,Plot No. 13, Community Centre, New Friends Colony,NEW DELHI - 110065;ICICI Securities Ltd,Mr. SAMIT KAPOOR,179 - 182, Dda Office Complex, Rajendra Bhawan Rajendra Palace,NEW DELHI - 110008;ICICI Securities Ltd,Mr. SARIKAABROL,Shop No. 45 & 46, TilakNagar,,NEW DELHI - 110018;ICICI Securities Ltd,Mr. ,114/115,1St Floor,Arunachal Bldg 19, Barakhamba Road,Connaught Place,NEW DELHI - 110001;ICICI Securities Ltd,Mr. JITENDER ARYA,J2/21, 1St Floor, Rajouri Garden,,NEW DELHI - 110027; NOIDA : ICICI Securities Ltd,Mr. SARFARAZ AHMED,16, 15, 14, & 12-A, Ground Floor,Msx Tower Ii,,GREATER NOIDA - 201306; ICICI Securities Ltd,Mr. KUMARSHIVENDRA,B 1/34-35,Central Market, Sector-50,NOIDA - 201301; PANCHKULA : ICICI Securities Ltd,Mr. AJAY PURI,Sco 43, Sec - 7,Near DC Model School,,PANCHKULA - 134101; PATHANKOT : ICICI Securities Ltd,Mr. AJAY CHAUHAN,Gr. Floor, Main Dhangu Road, Opp Hotel Venice,PATHANKOT - 145001; PATNA : ICICI Securities Ltd,Mr. ANUP SRIVASTWA,ICICI Bank Premises,Sumitra Sadan, Boring RoadCrossing,,PATNA - 800001; PONDICHERRY : ICICI Securities Ltd,Mr. PRABHU PONNUSAMY,Gr. Floor, Avn Plaza, 100 Ft Road, Gayatri Nagar, Mudaliarpet,PONDICHERRY - 605004;PUNE : ICICI Securities Ltd,Mr. ABHINAV KUMAR,Ground Floor, Abhimanshree Apartments-2 Condominium Bhuvaneshwar Society, Aundh,PUNE - 411007;ICICI Securities Ltd,Mr. JANKI VYAS,Ground Floor, Sheetal Plaza, CTS No.1125,Final Plot No.499 Model Colony, Shivajinagar,Bhamburda,PUNE - 411016;ICICI Securities Ltd,Mr. VIJAY AVHAD,RAMA S.No 682/A, CTS No 1048, Plot No 49, Chatrapati Rajaram Co-Op Hou.Soc, Jedhenagar,Bibwewadi,PUNE - 411037;ICICI Securities Ltd,Mr. RAJ R,Office No.3, Teddies Apartment Opp. Gera Junction, Kondhawa,PUNE - 411048;ICICI Securities Ltd,Mr. ,Gr. Floor & Mezzanine,Krishnakunj,S No.211, Hissa No. 2E, Plot No. 17 Kalyaninagar, Yerwada,PUNE - 411006;ICICI Securities Ltd,Mr. SEEMA KUMARI,Gr. Floor & Basement, Pramila Apt, Plot No. 16, Beside Hotel Kamat, Dahanukar Colony Circle, Kothrud,PUNE - 411029;ICICI Securities Ltd,Mr. RAHUL RATHI,Gr.Floor, 86A,Survey No.390/1684-1, M.G.Road, Opp. Kohinoor Restaurant, Camp,PUNE - 411001;ICICI Securities Ltd,Mr. ,GroudFloor, Premsagar,H Wing ,Near PCMC Auditorium ,Chinchwad,PUNE - 411033;ICICI Securities Ltd,Mr. RUCHI SINGH,Shop No 1 & 2 Gr. Floor, Sneh Bldg, Cts No 1404, Near Jamtani Cross, Pimpri,PUNE - 411017;ICICI Securities Ltd,Mr. AASHISH AGARWAL,Ground Floor, near Vishal Megamart, KPCT B Wing, S No.16,Hisa No.1/1,CTS No.912,Wanawadi ,Fatimanagar.,PUNE - 411040; RAIPUR : ICICI SecuritiesLtd,Mr. ,Maruti Business Park, Ff-03, Ge Road,,RAIPUR - 492001; RAJAHMUNDRY : ICICI Securities Ltd,Mr. RAJU MP,Door No: 46-22-11, Karrisu Reddy Plaza, Danavaipeta, East Godavari District,,RAJAHMUNDRY - 533103; RAJKOT : ICICI Securities Ltd,Mr. MANISH SAVALIYA,1st Floor, Shantiniketan Complex ,150 Feet Ring Road, Opposite KKV Hall,RAJKOT - 360007; RANCHI : ICICI Securities Ltd,Mr. SATYASAURABH,First Floor, Ranchi Club Complex , Main Road,RANCHI - 834001; SALEM : ICICI Securities Ltd,Mr. KARUPPAIAN C,1st floor, 270/1, Bharathi Street, Swarnapuri,,SALEM - 636004; SURAT : ICICI Securities Ltd,Mr. ,1St Floor, Viishal Chambers, Nr. Athwagate Charrasta,Besides Sardar Bridge,SURAT - 395001;ICICI Securities Ltd,Mr. BHAVIN PATEL,G/10, 11, 12 Sarthi Complex, Hira Baug,Warachha,SURAT - 395006;ICICI Securities Ltd,Mr. KULDEEP SINGH,Shop No.35,36 & 37,2Nd Floor, Shreeji Arcade Complex Anand Mahal Road,Adjan Road,SURAT - 395009; THANE : ICICI Securities Ltd,Mr. ,Ground Floor, Block 1, Shop No 3,Emerald Plaza, Hiranandani Meadows,Glady Alvares Marg, Off Pokhran Road No. 2,Thane (W),THANE - 400610;ICICI Securities Ltd,Mr. ,Olympia Bldg, PoonamSagar Mira Road (East),THANE - 401107;ICICI Securities Ltd,Mr. MUDASSAR VALSANGKAR,1St Floor, Office No. 2, Gaurangi Chambers, Opp. Damani Estate, L.B.S. Marg.,THANE - 400602;ICICI Securities Ltd,Mr. ,Ground Floor, Galleria, Talao Pali,,THANE - 400602; THRISSUR : ICICI Securities Ltd,Mr. ,R.V.Trade Centre, Third Floor,Patturaickal,THRISSUR - 680022; TIRUNELVELI : ICICI Securities Ltd,Mr.PRADEEP R,64 D , Nellai Plaza , Madurai Main Road ,,TIRUNELVELI - 627001; TIRUPATI : ICICI Securities Ltd,Mr. VENKATA VENKUMAHANTHI,Gr.Flr D/o: 19-3-12/J4, Ramanuja Circle, Tirchanoor Road,,TIRUPATI - 517501; TIRUPUR : ICICI Securities Ltd,Mr. ,The Coocoon,No.56/1, Sabari Salai, Binny Compund,,TIRUPUR - 641601; TRICHY : ICICI Securities Ltd,Mr. SADIQ BASHA,Gr. Floor, No. B14Colony MainRoad, Thillai Nagar,TRICHY - 620017; TRIVANDRUM : ICICI Securities Ltd,Mr. ARYA VIJAYAN,2 Nd Floor,Kamala Towers , Vazhuthacaud,,TRIVANDRUM - 695014; UDAIPUR : ICICI Securities Ltd,Mr. ANKIT BHATNAGAR,Sf, 5C, Madhuvan, Above Kotak Mahindra Bank,,UDAIPUR - 313001; VADODARA : ICICI Securities Ltd,Mr. TUSHAR DAVE,Ground Floor, Gardenview Chambers,Opp Kala Ghoda Circle,Sayajiganj,VADODARA - 390005;ICICI Securities Ltd,Mr. HARSHIL DESAI,Amrapali Complex, 1St Floor, Shop No. 142, 143, 144, 145, 146, Water Tank Road, Karelibaug.,VADODARA - 390018;ICICI Securities Ltd,Mr. BHUMISH PATEL,Rutukalash Complex, Gr Floor, Shop No 7,8,9 Tulsidham Char rasta, Manzalpur,VADODARA - 390011;ICICI Securities Ltd,Mr. HITESH PARMAR,1St Floor, Gokulesh Ii, 96Sampatrao Colony,R.C.Dutta Road Alkapuri.,VADODARA - 390007; VAPI : ICICI Securities Ltd,Mr. AMIT CHOUDHARY,Ground Floor, City Surver No. 1913, Rozy Empire, Opp Govt Yatri Niwas,,VAPI - 396191; VARANASI : ICICI Securities Ltd,Mr. SAPNA TIWARI,21/2A, 1St Floor, Karnachha Rathyatra Road,,VARANASI - 221001; VIJAYAWADA : ICICI Securities Ltd,Mr. ,29-6-31, 1St Floor, Sai Srinivasa ShoppingComplex, Nakkal Road, Suryaraopet,,VIJAYAWADA - 520001; VISAKHAPATNAM : ICICI Securities Ltd,Mr. ,1-83-43, 1St Floor, Narendra Polyclinic Building, M V P Colony.,VISAKHAPATNAM - 530017; HDFC SECUR T ES L M TED 0183-5070100,0183-5070200.Floor, Deepak Wasan Plaza,Limited, OfficePlace, Agra. TelFloor, Madhav Complex, Grid Cross Road, Anand 388 001, 212, ISCON Centre, Shiv Ranjani Char Rasta, Satellite Road, Ahmedabad – 380015. Tel - 079-66612340-41-42-43.A wing, Gurunath Sankul,Shriram SCO - 5, Shreya Nagar, kalda Corner, Aurangabad - Agra HDFC Securities Ltd. , 2nd Anand HDFC Securities 17/2/4,Sanjay No. 206, 2nd - 0562 - 2526888 – 97. Ahmedabad HDFC Securities Limited, Gujarat. Tel - 02692-245831-32-33 & 644773. Aurangabad HDFC Securities Limited, Office A - 8, 1st floor, Amritsar HDFC Securities Limited, Chowk, D. S. C.Ranjit Avenue, Amritsar – 143001.Tel -431005. Tel - 0240-2360820/21/22/23 24/2. Bangalore HDFC Securities Limited, Mount Kailash, 33/5, B-Wing, Gr. Flr.,Meanee Avenue Road, Ulsoor, Nr. Lake Side hospital, Bangalore - 560042. Tel - 080-25577410. Belgaum HDFC Securities Limited, CTS No. 5854, Congress Road, Tilakwadi, Belgaum – 590006. Tel - 0831-2445508. Bharuch HDFC Securities Limited, 3rd floor, Akshat Plaza, Above HDFC Bank, NearLink Road, Bharuch - 392001. Tel - 02642-252971-72-73-74, 238975-76. Bhavnagar HDFC Securities Limited, Office no. 7, 1st floor, Gopi Arcade, Waghawadi Road, Bhavnagar - 364002. Tel - 0278-2570145-46-47 & 6450127-28-29-33. Bhilai HDFC Securities Ltd. , 3rd Floor, Chauhan Estate, Near Chandra Mourya Talkies, GE Road, Bhilai, Chhatisgarh – 490023.Tel - 07882290318-276. Bhubaneshwar HDFCSecurities Limited, Plot No. 10, District Centre, Chandrashekharpur, Bhubaneshwar – 751021.Tel - 07882290318-276. Calicut HDFC Securities Limited, Techno Chemical Ind. Techno Top Bldg., V.M. Basheer Road, Calicut – 673001. Tel - 0495-4488501-11. Chennai HDFC Securities Limited, Aysha Complex, 2 nd Floor, 208, Anna Salai, Chennai - 600 006. Tel - 044-28297951-53 . Cochin HDFC Securities Limited,Sudhas Bldg,2nd Floor, Madhav Pharmacy Junction, Bannerjee Road, Ernakulam, Cochin – 682018. Tel - 0484-4064516-519. Coimbatore HDFC Securities Limited, Ashirwad, 36, D. B. Road, R.S. Puram, Coimbotore – 641002. Tel - 0422- 2541357 to 63 . Dhanbad HDFC Securities Ltd., 2nd Floor, Commerce House 2, Shastri Nagar, Dhanbad – 826001. Tel - 0326-2300174. Durgapur HDFC Securities Ltd,Kwality Hotelcomplex,1st floor,Bhiringi more,Nach M F NANC AL CONSULTANTS PR VATE L M TED M F NANC AL SERV CES PR VATE L M TED Lo on wou d b m g n b ow KARVY STOCK BROK NG L M TED K n o S Lm d o on wou d b m g n b ow AGRA: F4, 1st -FLOOR, DEEPAK WASAN PLAZA, SANJAY PLACE, (BEHIND208 H J HOUSE,282002 RAMBAUG POLICE STATION, OPP: IOC- PETROL PUMP,3RD EYE BUILDING,Ph- 79 - 40304481,82, 83, AJMER: 380006 Ph- 79 079-26407543,44,66627901, AHMEDABAD - MANINAGAR: HOLIDAY INN) NEAR Ph- 562 - 2526660 / 63, AHMEDABAD: 7 8, 2ND FLOOR, RAMBAUG 380008 PANCHVATI CIRCLE, C.G.ROAD,12, II FLOOR, AJMER TOWERS, KUTCHERI ROAD 305001 Ph- 145 - 2628055 / 2628065/ 5120725, ALIGARH: 1st FLOOR, KUMAR PLAZA, RAMGATH ROAD, VISHNUPURI 202001 Ph- 571 - 2509106 & 08, ALLAHABAD: 2nd Floor, RSA Tower, Beside HDFC Bank, 57, Sardar Patel Marg, Civil Lines, 211001 Ph- 532 - 2260291-92-93(Extn 34), ALWAR: 101, 1ST FLOOR, SAURABH TOWER, OPP: UTI, ROAD NO.2, NEAR BHAGATSINGH CIRCLE 301001 Ph- 144 - 3291200/3291300/3291400/270157401574, AMBALA: 5509, NICHOSON ROAD, ADJACENT KOS HOSPITAL AMBALA CANTONEMENT 133001 Ph- 171 - 3200223 / 2640668 / 2640669, AMRITSAR: 72-A TAYLOR’S ROAD, OPP.AGA HERITAGE GANDHI GROUND 143001 Ph- 183 - 5053802/3/4/5, ANAND: F-6, Chitrangana Complex, Opp: Motikaka Chawl ; V V Nagar 388001 Ph- 2692 - 248980/248873, ANANTHPUR: NO.15-149, 1ST FLOOR, S R TOWERS, OPP: LALITHAKALA PARISHAD, SUBASH ROAD 515001 Ph- 8554 - 249608, ASANSOL: 18 G T ROAD, 3rd FLOOR, 713301 Ph- 341 - 2214623, 2214624, 2214625, AURANGABAD: SHOP NO.214/215, TAPADIYA CITY CENTRE, NIRALA BAZAR 431001 Ph- 240 - 2363530,9665066551,52,53,54,57, BANGALORE - BASAVANAGUDI: NO.51/2, TKN COMPLEX, VANIVILASROAD, OPP: NATIONAL COLLEGE, BASAVANAGUDI 560004 Ph- 80 - 26606126, BANGALORE - INDIRA NAGAR: NO.746, 1ST FLOOR, KRISHNA TEMPLE ROAD, INDIRA NAGAR 1ST STAGE 560038 Ph- 80 - 25264344 / 2930 / 3249 / 30945543, BANGALORE - KORAMANGALA: A/8, 1ST FLOOR, KHB COLONY, OPP: MCIROLAND, 80 FEET ROAD 560095 Ph- 80 - 25527301, BANGALORE - MALLESWARAM: NO.337, GF-3, KARUNACOMPLEX, SAMPIGE ROAD, OPP: NEW VEGETABLE MARKET 560003 Ph- 80 - 23314678 / 23314680 / 23467548 / 30945549, BANGALORE - SKANDA ( R O ): “SKANDA” NO 59, PUTANA ROAD, BASAVANAGUDI 560004 Ph- 80 - 26621192 / 93, BANGALORE - VIJAYANAGAR: NO 1714/14-1, 1ST FLOOR, KSH CHAMBERS,21ST MAIN ROAD, BEHIND MARUTI MANDI, VIJAYANAGAR 560040 Ph- 80 - 23119028 / 9041 / 9040,BANGALORE - YELAHANKA: 2019/A, 1ST FLOOR, 3RD B CORSS, B SECTOR, YELAHNAKA NEW TOWN 560064 Ph- 80 - 28562726/ 2729 32913110 / 3502, BAREILLY: 1ST FLOOR, 165, CIVIL LINES, OPP: HOTEL BAREILLY PALACE, NEAR RAILWAY STATION 243001 Ph- 581 - 2574238 TO 39 / 2300414 /2420145 / 2476809, BELGAUM: FK-1, KHIMAJIBHAI COMPLEX, AMBEDKAR ROAD, OPP: CIVIL HOSPITAL 590001 Ph- 831 -2402544 / 722 / 880/ 3095262, BELLARY: NO.1, KHB COLONY, GANDHINAGAR 583101 Ph- 8392 - 2.54532E+23, BHARUCH: FF 47/48, ADITYA COMPLEX, OPP: KASAK FUWARA 392002 Ph- 2642 - 225207, 225208,209, BHATINDA: 2048, 1ST FLOOR, OPP: CANARA BANK, THE MALL ROAD 151001 Ph- 164 - 5006725 TO 727 / 2239521 / 2239522, BHAVNAGAR: 301, 3RD FLOOR,SURABHI MALL,NEAR ICICI BANK, WAGHAWADIROAD 364001 Ph- 278 - 2567005, 06,3001004,05, BHILAI: NEW CIVIC CENTE SHOP NO 138, 0 490006 Ph- 788 - 2295329 / 37 / 32, BHILWARA: 27-28, 1ST FLOOR, HEERA-PANNA COMPLEX, PUR ROAD 311001 Ph- 1482 - 246362 / 246364 / 512586, BHOPAL: KAY KAY BUSINESS CENTRE, 133, ZONE 1, MP NAGAR 462011 Ph- 755 - 4092701 TO 704 /4092706 TO 708 / 4092710 TO 717 / 4092720 / 4092723/ 724,BHUBANESHWAR - II: PLOT NO. 104/105 P, BESIDES PAL HEIGHTS HOTEL, JAYADEV VIHAR 751013 Ph- 674 - 2360334/335/343/327, BHUBANESWAR: 624, SAHEED NAGAR, IST FLOOR, JANPATH 751007 Ph- 674 - 2547532 / 33 / 2547334, BIJAPUR: BELAMBAGI COMPLEX, 1ST FLOOR, SIDDESHWARA ROAD 586101 Ph- 8352 - 259160, 259161, 259162, BILASPUR: SHOP NO 201/202, V.R.PLAZA, LINK ROAD 495001 Ph-7752 - 4.23024E+11, BOKARO: B-1,FIRST FLOOR, CITY CENTRE,NEAR SONA CHANDI, SECTOR-4 827004 Ph- 6542 - 233330/31/32, BURDWAN: BIRHATA (HALDER COMPLEX), 63, G T ROAD 713101 Ph- 342 - 2550801, CALICUT: FIRST FLOOR, SAVITHRI BUILDING, OPP.FATIMA HOSPITAL, BANK ROAD 673001 Ph- 495 - 2760882 / 2760884 / 2760883, CALICUT - MAVOOR ROAD: 1st FLOOR, SOUBHAGYA SHOPPING COMPLEX,MAVOOR ROAD, ARAYEDATHYPALAM 673004 Ph- 495 - 2742105 / 2742107 / 2742141, CHANDIGARH: SCO 32, 1ST FLOOR, PHASE 7, S A S NAGAR, 160 070 Ph- 0172 - 5091800/1, 5091802 (D), CHENNAI - ADAYAR: F-3, ADAYAR BUSINESS COURT, OLD NO.25,NEW NO 51, GANDHINAGAR 1ST MAIN ROAD 600020 Ph- 44 - 42116586, 42116587, 42076803, CHENNAI - ANNANAGAR: T-92, Ground Floor,3rd Avenue MainRoad, Near Hotel Nalas Appa Kadai 600040 Ph- 44 - 26224482,42103538,39,42026482,42171314,42103913, CHENNAI - CHROMPET: N0 77 A, naidu shop road, first floor, radha nagar main road, chrompet, chennai 44, land mark opp IOV Bank 600044 Ph- 44 - 22653605, 42659023, 45574952, CHENNAI - DR B N ROAD: A- 8, 3RD FLOOR, MAHBUBANI TOWERS, NO. 48, DR. D N ROAD, T. NAGAR 600017 Ph- 44 - 28156672/42076807/804/10/ 42067832 / 36/37/38/30/31/27/45544129/058/42649248/43546448/42023762, CHENNAI - NANGANALLUR: NO 48, FIRST MAIN ROAD, FIRST FLOOR, NANGANALLUR 600061 Ph- 44 - 22245228,43586266,68,43588503, CHENNAI - PURASAIWAKKAM: F-22, PRINCE TOWER, 94-113, PURASAIWAKKAM HIGH ROAD 600010 Ph- 44 - 42042567 / 568 / 42041904, CHENNAI - SOWCARPET: SUNDAR KRISHNACOMPLEX, 3RD FLOOR, NO.8, LUCKMODOSS STREET 600003 Ph- 44 - 42051557/42051471/42159898/42623740/41/42, CHENNAI - SWATI COURT - REGIONAL OFFICE: G-1, SWATI COURT, 22, VIJAYA RAGHAVA ROAD, T NAGAR 600017 Ph- 44 - 28151034 / 28153445 /42126406 / 42125604 / 45574073 / 74 /45900910, CHENNAI - THIRUVALLUR: NO.7, SRIPERAMBADUR ROAD, MANAVALAN NAGAR, THIRUVALLUR 602002Ph- 44 - 27640552/37690717, CHENNAI - VADAPALANI: DOSHI GARDENS, SHOP NO.10, 2ND FLOOR, D-BLOCK, 174, N S K SALAI, VADAPALANI 600026 Ph- 44 - 42013425/42048103/42048309, COIMBATORE - REGIONAL OFFICE: “JAYA ENCLAVE” 1057/1508, AVANASHI ROAD 641018 Ph- 422 - 4291000 — 30, COIMBATORE - SAI BABA COLONY: 29/1, CHINTAMANI NAGAR, OPP: INDIAN OVERSEAS BANK, NSR ROAD, SAIBABACOLONY 641011 Ph- 422 - 2452161 / 162 / 163, CUTTACK: OPP: JAGANNATH PETROL PUMP, ARUNODAYA MARKET, LINK ROAD 753012 Ph- 671 - 2335187,88, CUTTACK - 2: DARGHA BAZAR, 1ST FLOOR, 753001 Ph- 671 - 2613905 / 2613906, DAVANAGERE: NO.15/9, 1ST FLOOR, SOBAGU COMPLEX, 2ND MAIN ROAD (AVK COLLEGE ROAD), P J EXTENSION 577002 Ph- 8192 - 258712/13/14, DEHRADUN: 48/49, PATELMARKET, OPP: PUNJAB JEWELLERS, NEAR GANDHI PARK, RAJPUR ROAD 248001 Ph- 135 - 2713351 / 2714046 / 47 /2713372 / 2714382 / 2712373, DEHRADUN - KAULAGARH ROAD: KAULAGARH ROAD, NEAR SIRMOUR MARG 248001 Ph- 135 - 2754334 / 2754336, DINDIGUL: NO.9, NEW AGRAHARAM, PALANI ROAD 624001 Ph- 451 - 2436077, DURGAPUR: OLD DUTTA AUTOMOBILE BUILDING, 1ST FLOOR, BENACHITY,MALANCHA ROAD 700013 Ph- 343 - 2586375 to 77, DURGAPUR: OLD DUTTA AUTOMOBILE BUILDING, 1ST FLOOR, BENACHITY, MALANCHA ROAD 700013 Ph- 343 - 2586375 to 77, ERODE: NO.4, VEERAPAN TRADERS COMPLEX, OPP: ERODE BUS STAND, KMY SALAI, SATHY ROAD 638003 Ph- 424 - 2225615, FARIDABAD: A-2B, 1ST FLOOR, NEELAM BATA ROAD, NIT 121001 Ph- 129 - 418000 / 105, GANDHIDHAM: OFFICENO.12, KOMAL COMPLEX,2ND FLOOR, PLOT NO 305, NEAR SHIVAJI PARK, SECTOR 12-B 370201 Ph- 2836 - 228630, GANDHINAGAR: 27, SUMAN TOWER, 1ST FLOOR, NEAR HOTEL HAVELLY, SECTOR NO.11 382011 Ph- 79 - 079-23240166,66736021/22, GHAZIABAD: 1ST FLOOR, C-7, LOHIA NAGAR 201001 Ph- 120 - 2701886 / 2701891 / 4112133, GORAKHPUR: ABOVE V.I.P. HOUSE, ADJACENT A.D. GIRLS COLLEGE,BANK ROAD 273001 Ph- 551 - 2346519 / 2333825 / 2333814, GULBARGA: ASIAN TOWER, SHOP NO.F-1, FIRST FLOOR, JAGAT STATION MAIN ROAD, NEXT TO HOTEL ADITYA 585103 Ph- 8472 - 262502, GUNTUR: 10/1,sai house, ARUNDELPET 522002 Ph- 863 - 2326686,85,84 2326687, GURGAON: SHOP NO.18, NEAR HUDA OFFICE, GROUND FLOOR, OPP: AKD TOWER, SECTOR 14 122001 Ph- 124 - 4297206 / 4297202 /4297205 / 4297200, GUWAHATI: 2ND FLOOR, RAM KUMAR PLAZA, CHATRIBARI ROAD, NEAR HIMATSHINGA PETROL PUMP 781001 Ph- 361 - 2608102 / 2608122, GWALIOR: NEAR NADIGATE PUL, MLB ROAD, SHINDE KI CHAWANI 474001 Ph- 751 - 4069001 / 4069002 /4087774, HALDWANI: 1st Floor, Kapilaz Sweet House, Opp LIC Office Kaladhungi Road 263139 Ph- 5946 - 2264519-20 / 250521, HARIDWAR: 8, GOVIND PURI,OPP: LIC-2, ABOVE VIJAY BANK, MAIN ROAD, RANIPUR MORE 249401 Ph- 1334 - 266514 / 266515 / 315420, HASSAN: ST. ANTHONY’S COMPLEX, GROUND FLOOR, H N PURA ROAD,OPP. CANARA BANK 573201 Ph- 8172 - 262032,51,52,53,65, HAZARIBAGH: C/O. HEMALATA JAIN, KALIBARI ROAD, DEENDAYAL LANE 825301 Ph- 6546 - 267352/267353/267354, HISAR: SCO 71, RED SQUARE MARKET, 1ST FLOOR 125001 Ph-1662 - 225845 / 225868 / 225836 /315761, HOSUR: 105/2-4; NARASAMMA PARADISE OPP HOSUR BUS STAND, BAGALUR ROAD, ABOVE NANDHINI HOTEL 635109 Ph- 4344 - 247383; 247385; 247386/9789730690, HUBLI: GIRIRAJA HOUSE, NO.451/B, WARD NO.1, CLUB ROAD 580029 Ph- 836 - 2353962, 2353974, 2353975, HYDERABAD - BANJARA HILLS (H.O): KARVY CENTRE, GROUND FLOOR, AVENUE 4,STREET NO.1500034 Ph- 40 - 23388743, 66510313, HYDERABAD - BEGUM BAZAR: 15-6-464/470, 1ST FLOOR, SALASAR COMPLEX, (NEAR FISH MARKET), BEGUM BAZAR 500012 Ph- 40 - 23433100, HYDERABAD - BHEL: 1ST FLOOR, PLOT NO.2, 1-1-128/B, CHANDA NAGAR, SERILINGAMPALLY, NEAR BHEL 500050 Ph- 40 - 23030028, 23030029, 23433126/132, HYDERABAD - DILSUKH NAGAR: VIJETHA GOLDEN EMPIRE, FLAT NO. 103,FIRST FLOOR, h NO.16-11-762/762B & C, BESIDE ANADAL NILAYAM, MOOSARAMBAGH 500036 Ph- 40 - 23433116 / 117 / 135 134 / 136, HYDERABAD - HIMAYAT NAGAR: 3-6-196/197, FIRST FLOOR, HIMAYAT NAGAR 500029 Ph- 40 - 23388749 23388771, HYDERABAD - KUKATPALLY: SAI VIKRAM TOWERS, 1st FLOOR FLAT NO 11, KUKATPALLY MAIN ROAD, NEAR KUKATPALLY BUS STOP, KUKATPALLY 500072 Ph- 40 -23433137/119, INDORE: BALAJI COPORATE, 19/1, NEW PALASIA, NEAR JANGEERWALA CHOWRAHA, 452001 Ph- 731 - 4081500 TO 4081524, JAIPUR: S-16/A, LAND MARK, OPP: JAI CLUB, MAHAVEER MARG, C - SCHEME 302001 Ph- 141 - 2378703 / 04/ 05/ 06 / 2363321 / 2375039 / 2375099, JALANDHAR: LOWER GROUND FLOOR, OFFICE NO.3, PRIME TOWER, PLOT NO.28, G T ROAD 144001 Ph- 181 - 4634401 TO 415,JALGAON: LAXMINARAYAN PLAZA, 148, NAVIPETH, OPP. VIJAYA BANK 425001 Ph- 257 - 2226761,3024000,01,02,03,04, JAMMU: 1ST FLOOR, 29 D/C, NEAR SERVICE SELECTION BOARD, GANDHI NAGAR 180004 Ph- 191 - 9205044665 / 668, JAMNAGAR: G-12,MADHAV PLAZA,OPP-SBI BANK, NEAR LAL BUNGLOW 361008 Ph- 288 - 2556520 /2556260 / 2556420, JAMSHEDPUR: 3RD FLOOR, KANCHAN TOWERS, 3 SB SHOPAREA, BISTUPUR MAIN ROAD, 831001 Ph- 657 - 2487020, 2487045, 2320048, JHANSI: 371/01, NARAYAN PLAZA, JEEVAN SHAH CROSSING, OPP: TELEPHONE EXCHANGE, GWALIOR ROAD 284003 Ph- 510 - 2333682 TO 685 / 2440141 / 142, JODHPUR: 203, MODI ARCADE, CHOPSKINI ROAD 342001 Ph- 291 - 5103026 / 5103046 /3251441, JUNAGADH: 124 - 125, PUNIT SHOPPING CENTRE, M G ROAD, RANAVAV CHOWK362001 Ph- 285 - 2624154, 2652220,2624140,2624141, KAKINADA: 13-1-46, SRI DEEPTI TOWERS, MAIN ROAD 533001 Ph- 884 - 2387381,82,83, KANCHEEPURAM: NO.111, FIRST FLOOR, KAMARAJAR STREET 631502 Ph- 44 - 47203660 / 47201030 / 27224352, KANPUR - CIVIL: 15/46, CIVIL LINES, NEAR MUIR MILLS, STOCK EXCHANGE ROAD 208001 Ph- 512 - 2330127 / 2331445 / 2333395 / 96 / 2333492, KANPUR -GOVIND NAGAR: 81/4, BLOCK NO. 9, GOVINDNAGAR, 208006 Ph- 512 - 2604165 / 2605177 / 2605176, KARNAL: SHOP NO.26, KUNJPURA ROAD, NEHRU PALACE 132001 Ph- 184 - 2251524 / 2251525 / 2251526, KARUR: NO.6, THIRU-VI-KA ROAD 639001 Ph- 4324 - 241892, KOCHI - KAKANAD: 7/462, B5, TRANS AVENUE, NE EKM DIST COOP BANK, HEADQUARTERS 682030 Ph- 484 - 2423191, 3949087, KOCHI -MATTANCHERRY: D. NO. 6/0290, OPP: HAZI ESSA SCHOOL, GUJARATHI ROAD 682 002 Ph- 0484 - 2211229 / 2211225 / 2223243, KOCHI - TRIPUNITHURA: 1ST FLOOR, PINDYS COMPLEX, MARKET JUNCTION 682301 Ph- 484 - 2777330, 3571041, KOCHI/ERNAKULAM: G 39, PANAMPALLY NAGAR, OPP: KERALA STATE HOUSING BOARD 682036 Ph- 484 - 2322724 / 726 / 152 /2310884, KOLHAPUR: OMKAR PLAZA 1 ST FLOOR,UNIT F - 2 & F - 4,RAJARAM RTOAD, BAGAL CHOWK, 416008 Ph- 231 - 2520650 / 2520655, KOLKATA - DALHOUSIE: 19, R N MUKHERJEE ROAD, 2ND FLOOR 700001 Ph- 33 - 22437863 to 69 / 90 / 89, KOLKATA - HOWRAH MAIDAN: 493/C/A, G. T. ROAD (S), BLOCK-G, 1ST FLOOR,VIVEK VIHAR 711102 Ph- 33 - 26382345 / 2535/ 26404213 / 26370547, KOLKATA - JATIN DAS ROAD: 49, JATIN DAS ROAD, NEAR DESHPRIYA PARK700029 Ph- 33 - 24647231,32, 24644891, KOLKATA - NEW ALIPORE: 22N/1, BLOCK A, NEW ALIPORE 700053 Ph- 33 - 23996203,04,05, KOLKATA - PHOOLBAGAN: P-335, CIT SCHEME,6M, PHOOLBAGAN 700054 Ph- 33 - 23648927 ; 23628486, KOLKATA - SALT LAKE: AD-60, SECTOR - 1, SALT LAKE CITY 700064 Ph- 33 - 23210461 to 23210464 / 0587, KOTA: 29, SHOPIING CENTRE, 1ST FLOOR KOTA 324007 Ph- 744 -2365144 / 2365145 / 2365146, KURNOOL: SHOP NO.43, 1ST FLOOR,SV COMPLEX, S V COMPLEX, RAILWAY STATION ROAD 518004 Ph- 8518 - 2.2895E+23, LUCKNOW - ALAMBAGH: KSM TOWER, CP-1 SINDER DUMP, ALAMBAGH 226005 Ph- 522 - 4104290 - 96, LUCKNOW - ALIGANJ: HIG-67, SECTOR E, ALIGANJ 226024 Ph- 522 - 4104280 - 89, LUCKNOW - ASHOK MARG: 24, “USHA SADAN”, PREM NAGAR, ASHOK MARG226001 Ph- 522 - 4104300 - 309, LUCKNOW - CHOWK: TEJ KRISHAN PLAZA, 313/9, KHUN KUNJI ROAD, CHOWK 226003 Ph- 522 - 4104310 - 16, LUCKNOW - GOMTI NAGAR: B-1/2, VIJAY KHAND, NEAR UNION BANKOF INDIA GOMTI NAGAR 226010 Ph- 522 - 4104270 - 79, LUCKNOW - HAZRATGUNJ: 94, MAHATMA GANDHI MARG, OPP: GOVERNOR HOUSE, HAZRATGANJ 226001 Ph- 522 - 2236819-28, 3817001 (rim), LUDHIANA:SCO 136, 1ST FLOOR, FEROZE GANDHI MARKET 141001 Ph- 161 - 44680050 / 4680062-63 / 4680080 / 4680000 TO 6, MADURAI - BYE PASS ROAD: RAKESH TOWERS, OPP NAGAPPA MOTOR, NO.30, BY PASS ROAD, 625010 Ph- 452 - 2600851 - 854, MADURAI - K K NAGAR: PLOT NO 654 - 80 FEET ROAD, NEXT TO LAKSHMI ARASU KALYANA MANDAPAM, K K NAGAR 625020 Ph- 452 - 4391700 / 600 / 2523109/ 2530731,MADURAI-GOODSHED: 274, GOODS SHED STREET, ~ 625001 Ph- 452 - 2350852, MANGALORE: MAHENDRA ARCADE, NO.4-6-577/21/22, KODIABAIL 575003 Ph- 824 - 2492302, 2496332, 2492901, MARGAO: 2 FLOOR, DALAL COMMERCIAL COMPLEX, OPP: HARI MANDIRPAJI FOND 403601 Ph- 832 - 2.73182E+27, MATHURA: BASEMENT ADITYA PALACE, SOKH ADDA JUNCTION ROAD 281004 Ph- 565 - 2463172 / 2463172 /2463174 / 2463782 / com-2463791, MEERUT: 1ST FLOOR, MEDI CENTRE, OPP EVES CENTRE HAPUR ROAD NEAR BACHHA PARK 250002 Ph- 121 - 4033727 / 3271640, MEHSANA: Ul -47, Appolo Enclave; Opp Simandhar Temple, Modhera Char Rasta; Highway 384002 Ph- 2762 - 322559, 242950, MOHALI: SCO 32, 1ST FLOOR, PHASE 7, S A S NAGAR, 160062 Ph- 172 - 5091800/1, 5091802 (D), MORADABAD: FIRSTFLOOR, SINGH BHAWAN, CHOWK TAARI KHANA GMD ROAD 244001 Ph- 591 - 2310470 / 2320470 / 3200702, MUMBAI - ANDHERI - KSBL: 7, ANDHERI INDUSTRIAL ESTATE, OFF: VEERA DESAI ROAD 400053 Ph- 22 - 26730799 / 843 / 311 / 867 / 153 / 292, MUMBAI - CHEMBUR: SHOP NO.10,PLOT NO.71-B,SHRAM SAFALYA, NEAR CHEMBUR STATION,OPP VHAISHALI HOTEL,CHEMBUR EAST 400071 Ph- 22 - 25211839, MUMBAI -DADAR WEST: 101 SAPNA BUILDING, ABOVE IDBI BANK, S K BHOLE MARG, DADAR WEST 400 028 Ph- 022 - 24329763, 24322158, 24324378, 24329738, 24324662, MUMBAI - FORT (TRANSWORLD) - CENTRALISED DEALING: 16/26, 16/22, TRANSWORLD, MAHARASHTRA CHAMBERS OF, COMMERCE LANE, OPP MCS BANK, FORT 400023 Ph- 22 - 66314326, 22844777,22842668, MUMBAI - MALAD (WEST): 29,FIRST FLOOR,PATEL SHOPPING CENTRE, OPP. FOODLAND RESTAURANT,SAINATH ROAD, MALAD (WEST) 400064 Ph- 22 - 28824241 / 28828281 / 28895159 / 28891077, MUMBAI - TARDEO: ROOM NO.115, ARUN CHAMBERS, 1st FLOOR, NEXT TO A/C MARKET, TARDEO 400034 Ph- 22 - 66607042, MUMBAI - VASHI: B-153, VASHI PLAZA, SECTOR 17, VASHI 400705 Ph- 22 - 67912087, 67912168, 67912169, MUZAFFARNAGAR: 203/99, CSADAR BAZAR, TOWN HALL ROAD, OPP: PEACE LIBRARY, ABOVE BANK OF INDIA 251001 Ph- 131 - 2437349, 2437359, MYSORE: NO.9/2, NEW NOL.L-350, SILVER TOWER, 1ST FLOOR, ASHOKA ROAD, OPP: CLOCK TOWER 570001 Ph- 821 - 2524292, 2524294, NADIAD: 104-105, CITY POINT, NEAR PARAS CINEMA 387001 Ph- 268 - 2563245, 2563210,2563248,2551764,2551596, NAGERCOIL: 3A, SOUTH CAR STREET, ~629001 Ph- 4652 - 233551/52/53, NAGPUR: 230-231, 3RD FLOOR, SHREERAM TOWER, NEAR NIT BUILDING,SADAR 440001 Ph- 712 - 6614146 / 6614145, NANDED: 88-A, “RACHANA” , YASHWANT NAGAR, 431602 Ph- 2462 - 325885 / 247885, NASHIK: F1, SUYOJIT SANKUL, SHARANPUR ROAD 422002 Ph- 253 - 9665066531,32,33, NAVSARI: 1/1,1ST FLOOR, CHINMAY ARCADE, OPP: SATTAPIR, TOWER ROAD 396445 Ph-2637 - 280364, 280366,280367, NEW DELHI - CONNAUGHT PLACE: 105-108, ARUNACHAL BUILDING, 19, BARAKHAMBA ROAD, CONNAUGHT PLACE 110001 Ph- 11 - 23324401 / 43509200 / 23324409, NEW DELHI - JANAKPURI: 110-112, 1ST FLOOR, SUNEJA TOWER, I DISTT. CENTRE, JANAK PURI NEW DELHI 110058 Ph- 11 - 25547631 / 25547637 / 41587300 / 41588242, NEW DELHI - MOTI NAGAR: 23, SHIVAJI MARG MAIN,MAIN NAJAFGARH ROAD MOTI NAGAR NEW DELHI 110015 Ph- 11 - 45436371 / 41428501 TO 05 / 41428563 / 32031582, NEW DELHI - NEHRU PLACE: 301, VISHAL BHAVAN, 95, NEHRU PLACE 110019 Ph- 11 - 41808123 / 26447065 / 66 / 74, NEW DELHI - PASCHIM VIHAR: B 2, DDA MARKET SHOP NO.50, PASCHIM VIHAR NEW DELH 110063 Ph- 11 - 42321024 / 42321392 / 25263902 / 03, NEW DELHI - ROHINI: 104, 1STFLOOR, NANDA DEVI TOWERS, PRASHANTH VIHAR, CENTRAL MARKET 110085 Ph- 11 - 27864193 / 27864281 / 27864377, NOIDA: 307,2nd FLOOR JAIPURIA PLAZA, D-68A, 2ND FLOOR, (OPP DELHI PUBLIC SCHOOL) SECTOR 26 201301 Ph- 120 - 2539271 / 2539272 / 2539273, PANAJI: 18,19,20, CITY BUSSINESS CENTRE, COEL HO PEREIERA BUILDING, DADA VIADYA ROAD, OPP JAMA MASZID ROAD 403001 Ph- 832 -2426870, 2426871, 2426872, PANCHKULA: 1st FLOOR, DSS NO. 404, SECTOR-8, PANCHKULA 136109 Ph- 172 - 2572135 / 2572148 / 2572149, PANIPAT: 1ST FLOOR, KRISHNA TOWER, ABOVE AMERTEX, GT ROAD 132103 Ph- 180 - 2644308 / 2644376 / 3200135 / 3200136, PATIALA: SCo 27b, CHHOTI BARANDARI 147001 Ph- 175 - 5051726 / 5051727 / 5051728, PATNA: ANAND TOWER, 2ND FLOOR, EXHIBITIONROAD, NEAR REPUBLIC HOTEL, OPP: ICICI BANK 800001 Ph- 612 - 2321354 / 56 / 57, PONDICHERRY: NO.7, THIAYAGARAJA STREET 605001 Ph- 413 - 2220640, PUDUKOTTAI: SUNDARAM MASILAMANI TOWERS, NEAR ANNA STATUE, JUBILEE ARTS 0 Ph- 4322 - 220050, PUNE: OFFICE NO.6, THIRD FLOOR, RACHANA TRADE ESTATE, LAW COLLEGE ROAD, NEAR SNDT CIRCLE, CTS NO.105, ERANDWANE 411033 Ph- 20 -66048790 (5 LINES) / 91 / 92 / 93, PUNE - AKURDI: RAMEERA TOWERS, 130 / 24,PCMTDA, TILAK ROAD, NIGIDI,PRADHIKARAN 411044 Ph- 20 - 27659115, RAICHUR: “SANGEETA ARCADE”, NO.11-2-61,1ST FLOOR, LINGSUGUR ROAD 584101 Ph- 8532 - 225856,57,58,59,60, RAIPUR: LOWER LEVEL-02& 03, MILLENNIUM PLAZA, NEAR INDIAN COFFEE HOUSE, G E ROAD 492001 Ph- 771 - 2236694,96,4039320, RAJAHMUNDRY:D NO 6-1-4, 1ST FLOOR, RANGACHARY, T NAGAR 533101 Ph- 883 - 2434468,69,70, RAJKOT: 104, SIDDHIVINAYAK COMPLEX, DR. YAGNIK ROAD, OPP. RAMKRISHNA ASHRAM 360001 Ph- 281 - 3291043, 3291042, 2239338, RANCHI: 203,”COMMERCE TOWERS”, 2ND FLOOR, BESIDE MAHABIR TOWERS, MAIN ROAD 834001 Ph- 651 - 2330386, 2330394, 2330320, RATLAM: NAGPAL BHAVAN, FREEGANJ ROAD RATLAMMADHYA PRADESH 457001 Ph- 7412 - 402000 TO 402005, REWA: IST FLOOR, ANGOORI BUILDING, BESIDES ALLAHABAD BANK, TRANS UNIVERSITY ROAD, CIVIL LINES 486001 Ph- 7662 - 408522 / 408148 / 408147 / 408143 / 408142 / 255993, ROHTAK: 1ST FLOOR, ASHOK PLAZA, DELHI ROAD 124001 Ph- 1262 - 271983-84 / 258019, ROORKEE: ASHADEEP COMPLEX, 16, CIVIL LINES, NEAR INCOME TAX OFFICE 247667Ph- 1332 - 277664 / 277667 / 275811 / 275812, ROURKELA: PLOT NO.554, 1ST FLOOR, SANDHU COMPLEX, KACHERY ROAD, UDIT NAGAR 769012 Ph- 661 - 2510770, 2510771, 2510772, SALEM: 40, BRINDAVAN ROAD,5th cross, NEAR PERUMAL KOIL, FAIR LANDS 636016 Ph- 427 - 2335701,02,03,04,05, SAMBALPUR: QUALITY MANSION, GROUND FLOOR, NAYAPARA,OPP BAZAR KOLKATTA 768001 Ph- 663 - 2522105,2522106, 2522948, SATNA: 1ST FLOOR, GOPAL COMPLEX, REVA ROAD 485001 Ph- 7672 - 403791 / 225957 / 408146 / 409113 / 409112 / 401347, SHILONG: MANI BHAWAN ANNEX, THANE ROAD, OPP: RKM ELP SCHOOL, LOWER POLICE BAZAR 793001 Ph- 364 - 2224186 / 75 / 8172, SHIMLA: TRIVENI BUILDING, BY PAS CHOWK, KHALLINI 171002 Ph- 177 - 2003205 / 2623205 / 2624453, SHIMOGA: NO.8-50/A, LLR ROAD;OPP: TELECOM GMS OFFICE, DURGIGUDI 577201 Ph- 8182 - 228795,96,97,226747, SIKAR: SUPER TOWER, 1ST FLOOR, BEHIND RAM MANDIR 332001 Ph- 1572 - 517526 / 517527 / 250393 / 250398, SILIGURI: NANAK COMPLEX, 2ND FLOOR, SEVOKE ROAD 734401 Ph- 353 - 2526393, 2526394, 2526395, 2526396, 2526397, SRIGANGANAGAR: 35E BLOCK, OPP: SHEETLA MATA VAATEKA SRI GANGANAGAR 335001 Ph-154 - 2471300 / 2472300, SURAT: G-16, EMPIRE STATE BUILDING, NEAR UDHANA DARWAJA, RING ROAD 395002 Ph- 261 - 3017155 - 52, THANE (MUMBAI): 103, JIVAN CHAYA BLDG., RAM MARUTI ROAD, NAUPADA 400602 Ph- 22 - 25380645/25380633/25446121/25446124,25446129, THANJAVUR: NALLIAH COMPLEX, NO.70, SRINIVASAM PILLAI ROAD 613001 Ph- 4362 - 279407, THENI: SIVA TOWER 265; SUBBANCHETTY STREET CUMBUM, SUBBAN CHETTY STREET,CUMBUM ROAD, 625531 Ph- 4546 - 261285 /261108 / 261295, THIRUNELVELI: JENEY BUILDING, NEAR ARAVIND EYE HOSPITAL 627001 Ph- 462 - 2335135,36,37, THIRUVANANTHAPURAM: 2ND FLOOR, AKSHAYA TOWERS, SASTHAMANGALAM 695010 Ph- 471 - 2725989 / 90 / 91, TIRUPATI: NO16FIRST FLOOR, RC ROAD, 0 517502 Ph- 877 - 2252756, TIRUPUR: 244 A,1ST FLOOR, KAMARJ ROAD, OPP COTTON MARKET COMPLEX 641604 Ph- 421 - 2214221 / 2214319, TRICHUR: 2ND FLOOR, BROHERS COMPLEX, NEAR DHANALAXMI BANK HEAD OFFICE, NAIKKANAL JUNCTION 680001 Ph- 487 - 2322483 / 2322484 / 2322493 / 2322494, TRICHY: SRI KRISHNA ARCADE, 60, THENNUR HIGH ROAD, THENNUR 621017 Ph- 431 - 2791322 / 2798200 / 2793799 / 2793800 2791000, TUTICORIN:MANGALMAL, MANI NAGAR, RAJAJI PARK,OPPTUTICORIN MANINAGAR 628003 Ph- 461 - 2334601, UDAIPUR: 201-202, MADHAV CHAMBERS, OPP: GPO MADHUBAN 313001 Ph- 294 - 5101601 / 5101602 / 5101603, UDIPI: GROUND FLOOR, SRIRAM ARCADE, OPP: HEAD POST OFFICE 576101 Ph- 820 - 25,309,622,530,964, UDUPI: GROUND FLOOR, SRIRAM ARCADE, OPP: HEAD POST OFFICE 576101 Ph- 820 - 2530962,2530963, 2530964, 5294554, UJAIN: 101, ASTHA TOWER, 13/1, DHANWANTARY MARG, FREEGANJ 456010 Ph- 734 - 4250001 TO 4250010, VADODARA - AJWA ROAD: FF - 4, SHITAL PLAZA, UDAYNAGAR SOCIETY, NEAR MAHAVIR HALL 390019 Ph- 265 - 2513508 / 09 / 2510318, VADODARA - GORWA: 1/2/3, JALANAND TOWNSHIP, NEAR UNDERA JAKAT NAKA 390016 Ph- 265 - 3240300, 2266136, VADODARA - KARELIBAUG:SB-3 & 4, AMARAPALI COMPLEX, NEAR MUKTHANAND BUS STAND, WATER TANK ROAD, KARELIBAUG 390018 Ph- 265 - 2463783,84,2493048,9725013178 / 79,9974079290, VADODARA - NIZAMPURA: GF-11, ALIAN COMPLEX, NEAR DEVDEEP COMPLEX 390002 Ph- 265 - 320988, 3241301,2750462, VADODARA - SAVOY - REGIONAL OFFICE: T-2, 3RD FLOOR “SAVOY” COMPLEX, HARIBHAKTI EXTN, OPP. ABS TOWER, OLDPADRA ROAD 390007 Ph- 265 - 6456183 / 6456186 / 6456187,3083000,01,02, VADODARA - SAYAJIGUNJ: 38, PAYAL COMPLEX,NEAR FORTUNE TOWERS, NEAR VADODARA STOCK EXCHANGE LTD 390005 Ph- 265 - 2225168 / 169, 2361514 / 2225220, VADODARA - SUBHANPURA: FF4, CHANAKYA COMPLEX, HIGH TENSION CHAR RASTA, SUBHANPURA 390007 Ph- 0265 - 3259056, 3244634, VALSAD: SHOP NO.2, PHIROZACORNER, TITHAL CROSS ROAD 396001 Ph- 2632 - 326901, 326902, VAPI: SHOP NO.5, BHIKHAJI REGENCY, OPP: DCB BANK, VAPI-SILVASSA ROAD 396195 Ph- 260 - 2.42322E+20, VARANASI: D 64 / 132, KA, 1ST FLOOR, “ANANT COMPLEX”, SIGRA 221001 Ph- 542 - 2225365 / 2227257 / 2227258, VELLORE: 1, M N R ARCADE, OFFICERS LINE, KRISHNA NAGAR 632001 Ph- 416 - 2215007, VIJAYAWADA: 39-10-7, OPP:MUNICIPAL WATER TANK, LABBIPET 520010 Ph- 866 - 2495200 / 400 / 500 / 600 / 700 / 800, VIJAYAWADA - ONE TOWN: 11-1-25, GMR PLAZA, FIRST FLOOR,BRP ROAD, 520001 Ph- 866 - 2565535,36,37,38, VISAKHAPATNAM: 47-14-5/1, ESWAR PARADISE, DWARAKA NAGAR MAIN ROAD 530016 Ph- 891 - 2752915 to 18, VISHAKAPATNAM - GAJUWAKA: DOOR NO.181/21, JHAALA COMPLEX, N H 5 ROAD 530026 Ph- 891 -2511685, 2511686,2511681, WARANGAL: SHOP NO.5 & 6, 1ST FLOOR, CHANDRA COMPLEX, 5-6-94, LASHKAR BAZAR, OPP: B.Ed COLLEGE 506001 Ph- 870 - 2551484, 2551494, YAMUNA NAGAR: JAGDHARI ROAD, ABOVE UCO BANK, NEAR D.A.V. GRILS COLLEGE 135001 Ph- 1732 - 262911 / 262913.R R EQU TY BROKERS PR VATE L M TED RR NVESTORS CAP TAL SERV CES P L M TED o on wou d b m g n b ow 2 MUTHOOT FINANCE LIMITED
  • 3. MUTHOOT FINANCE LIMITED : APPLICATION FORMS AVAILABLE AT FOLLOWING LOCATIONS LEAD MANAGERS TO THE ISSUE / LEAD BROKERS TO THE ISSUER R EQU TY BROKERS PR VATE L M TED RR NVESTORS CAP TAL SERV CES P L M TED o on wou d b m g n b ow YES BANK LIMITED Amritsar:Rajpur Road, Dehradun 248001,143001 (landmark: next to Ritz Hotel),Hotel ClassicGround Floor of 4/43, S.P. Marg, CivilFloor ‘Banka Complex’, 2 B/28, Mission Compound, PO Saharanpur +UP) PIN 247001, Chandigarh:Shop Cum Office (SCO) No. 151-152, Sector 9 C, Madhyaand Second Floor, SCO-4, Sector 16,SCO 1, Ward No. 15, City Shopping Plaza, Bansha Floor, 56, 42 Mall Road, Amritsar, Punjab Uttarakhand. Land Mark – Building of Allahabad: International, Saharanpur: Ground Lines Allahabad - UP. Land Mark – Opposite HDFC Bank, Agra: Gr First Floor, 116/8 Sanjay Palace, Agra, Uttar Pradesh 282002, Faridabad: Ground Floor ( Marg, Chandigarh 160017, Kharar: Haryana, Faridabad 121002, Dehradun: GroundWali Chungi, Chandigarh Kharar Road, PO – Kharar, Punjab – 140507, Mohali: Yes Bank Limited, SCO 538, Sector70, Mohali, Punjab - 160071, Zirakpur: SCO 8&9, Ground Floor, Hotel Kingston, Patiala Highway, Zirakpur (Pb) 140603, Derabassi: Ground Floor, Paras Complex, Chandigarh Ambala Road (NH – 2), Dera Bassi, Punjab - 140507, Panchkula: SCO 24, Sector 11, HUDA Complex Panchkhula,Haryana134112. Land Mark – In the neighborhood of Corporation Bank, Syndicate Bank and OBC., Baddi: Ground Floor, Shop No 2,3&4, M.G. Plaza, N.H. no 21, Baddi, Dist Solan, Himachal Pradesh 263153, Shimla: Ground Level, Timber House, Cart Road, Shimla, Himachal Pradesh 171001, Jalandhar: Ground Floor, Satnam Complex, BMC Chowk, G.T. Road, Jalandhar, Punjab- 144001, Meerut: Ground Floor,Shop No.-1,Pinnacle Tower, Panchsheel Colony, Garh Road, PO Meerut U.P PIN 250004, Ludhiana: B-XX, 2427 - 928, Govind Nagar, Firozpur Road, Ludhiana, Lucknow: Gr. Flr, Tulsi Complex, 12 Rani Laxmibai Marg, Hazratganj, Lucknow 226001, Uttar Pradesh, Bara Banki: Ground Floor, “Verma Market”, Khasra No 354/1, Mohll. Azad Nagar, Village Paisar, Pargana and Tehsil Nawabganj, PO & Disrict Barabanki,U.P. PIN 255001, Kanpur: Ground Floor, Padam Tower, 14/113 Civil Lines, Kanpur 208001, Chandni Chowk: Ground Floor, 1936, Ward No.-2, Fountain Chowk, Chandni Chowk, Delhi-110006, Connaught Place: 56, Janpath, Gr. Floor, ALPS Building, Connaught Place, New Delhi– 110001, Chanakyapuri: 48, Nyaya Marg, Chanakapuri, New Delhi- 110 001, Green Park: A/2A, Ground Floor, Green Park, NewDelhi110016, Saket: E-31, Saket, New Delhi110017, Chattarpur: Ground Floor and 1st floor of 311/30 Main Road, Chattarpur, New Delhi110074, South Extension: D-12, South Extension Part-II, New Delhi- 110049, Faridabad: Ground Floor and Second Floor, SCO-4, Sector 16, Haryana, Faridabad 121002, New Friends Colony: First Floor, 1 Community Centre, New Friends Colony, New Delhi– 110065., Indirapuram:BG 14,15 & BG 47, Ground Floor, Aditya City Center, Commercial cum Residential Plot No. 03, Vaibhav Khand, Indirapuram, Ghaziabad PIN 201012 ( UP)., Ghaziabad 1: Plot C–37, Rajnagar Dist Centre (RDC), Ghaziabad, Uttar Pradesh 201002, Kasana: Yes Bank Ltd, Shop No. G1 and G2, Greater Noida Shopping Complex, Zone E-IV, Near HP Gas Plant, Surajpur Kasna Road, Gautam Budh Nagar, GreaterNoida 201310, Noida: Ground Floor A-356, Sector 19, NOIDA, Uttar Pradesh. 201301, Shakarpur: Ground Floor of S 529, School Block, Mother Dairy Road, Shakarpur, DelhiPIN 110092. Land Mark – Next to TVS Scooter and TATA Indicom Showroom, Kundli: Ground Floor, SCO 23, HSIIDC Industrial Area, PO - Kundli (Haryana), PIN 131028., Rai: HSIIDC office Buiding, HSIIDC Industrial Estate, Rai, District Sonepat,Haryana-131029, Model Town: Ground and First Floor of Plot no B -7, Gujranwala Part1, New Delhiand Ground Floor, Plot no B 8, Gujranwala Part 1, New Delhi., Bahadurgarh: Ground Floor of Khasra Nos. 2443 and 2444, Venus Plaza, Nehru Park, DelhiRohtak Highway, PO - Bahadurgarh - 124502 District Jhajjar, Haryana, Punjabi Bagh: ground floor of 10, West Avenue, West Punjabi Bagh, New Delhi110026.Land Mark – Opposite ICICI Bank, Rajouri Garden: Ground Floor and First Floor, A-42, Vishal Enclave, New Delhi110027, Fortune Global - Gurgaon 1: Fortune Global Arcade, Sikandarabad, Mehrauli Gurgaon Road, Gurgaon, Haryana– 122 002, Khandsa: Ground Floor of Khasra No 500/2/3/1/4, Village Khandsa 122001, Gurgaon, Badshahpur: Ground Floor, Unit No. 5, Block 2, Vatika Business Park, SohnaRoad, Village Badshahpur, PO Gurgaon, Gurgaon 122101. Haryana, Dundahera: Ground Floor, Plot No 14/2 Milestone, Infotech Centre, Old Gurgaon Road, Village, Dundahera, PO Gurgaon 122016, Haryana. Opp Unitech SEZ, Wazirabad: Ground floor of Tower A, Vatika Towers, DLF Golf Course Road (Sector Road), Wazirabad, Gurgaon, PIN 122002, Haryana. Land Mark – same building as SAP, Kapashera:Ground Floor, Khasra No from 919 to 926, 928-933, Old DelhiGurgaon highway, Village Kapashera, New Delho 110 037, Sector 14 - Gurgaon 2: SCO 27,Sector 14, HUDA Market, Gurgaon, Haryana122001, Manesar: GC 1, 2, 3 & 3A Ground floor, and basement, Commercial Tower A (also known as Raheja Towers), Sector 2, IMT Manesar, Bhiwadi: Ground Floor, 294/295 E, RIICO Industrial Area, Bhiwadi,Rajasthan-301019, Dharuhera: Ground & First Floor, Kila No.6/2(8-8) on N. H. no 8, Next to Police Station, Dharuhera, Dist Rewari, Haryana, 123106, Bangalore: Ground Floor, Prestige Obelisk, Municipal No.3, Kasturba Road, Bangalore 560001, Thippasandra: Plot 27, HAL 3rd Stage, 80 ft Road, Thippasandra, Bangalore- 560075, Koramangalam: Ground & Mezzanine Floor, Basil Moneta, Koramangala,Bangalore – 560095, Devanahalli: Survey No. 135/3, Ward No. 19, B.B. Road, Devanahalli, Bangalore- 562110, Karnataka, Coimbatore: No: 694 -A1, Manchester Krsna Avinashi Road, Near Manchester Regent, Avinashi Road Coimbatore – 641 037, Chennai 1: Ground Floor,143/1, Uthamar Gandhi Salai, Nungambakkam High Road, Chennai - 600034, Chennai 2: Gr. Floor, Dass India Tower, Second Line Beach,Rajaji Salai, Chennai, Tamilnadu- 600 001, Hyderabad: Ground Floor, “Mayank Towers”, Survey no. 31 (Old). 31/2(New), Raj Bhavan Road, Somajiguda, Hyderabad - 500082, Hyderabad Hitech City: Ground Floor, Sun Towers, Sector-1, HUDA Techno Enclave of Madhapur Village, R.R District. Andhra Pradesh- 500081, Secundrabad: Ground Floor, Agravanshi Plaza, Bearing No 1-8-387, HUDA Lane, off S.P. Road,Secunderabad, Andhra Pradesh-500003, Mangalore: Shop no 108 to 120, Ground Floor, Ideal Towers, off K.S. Rao Road, GHS Road, Mangalore 575001, Kochi: 1st floor, Puthuran Plaza, Northern Side, KPCC IN, MG, Kochi - 682011, Salem: Ground Floor, Devi Chit Funds, 5/315, Junction Main Road, Salem - 4, Vizag: Ground and First floor, “Sun Tower”, T.S.No.1187 of Block No.53, Waltair Main Road,Vishakhapatnam -530007, Andhra Pradesh, Vijayawada: Kranti Arcade, Gr. Floor, 1, 2 & 3 floor,. 40 -1 - 59, Near Benz Circle, M.G. Road, Vijaywada - 520010, Bhubaneswar: 31, Bapuji Nagar, Bhubhaneshwar, Orissa-751007, Asansol: Ground Floor of Laxmi Narayan Complex, G T Road, Murgasol, Asansol, West Bengal - 713303, Durgapur: Upper Ground Floor, Citi Plaza, City Centre, Durgapur - 713216,Adityapur: Ground Floor, P M Complex, Main Road, Adityapur, Jamshedpur- 831 013., Guwahati: Ground floor, Asian Complex, uluburi Part II, District Kamrup, guwahati 781007, Assam., Camac Street: 19, Camac Street, Kolkata 700 017, Kolkata - Dalhousie: Ground & Mezzanine Floor, Stephen House, situated at Dalhousie Square East, Kolkata-70001, Howrah: Ground floor, Krishna Enclave, 2/1, Bhajan Lal LohiaLane, Near Howrah AC Market, Howrah- 711 101, West Bengal, Ranchi: Ground and First floor, Crosswindz, 41 Court Road ( Kutchery Road), Ranchi, Jharkhand-834001. Landmark: Near Sahid Chowk // Next to Ranchi University, Raipur: Raj Villa”, Raigarh Bada, House No 830 - Plot no 10/26, Civil Lines, Raipur, Chhatisgarh 492 001 Landmark: opp M.G.Museum, Bhopal: Ground Floor, Plot No. 215, M P Nagar,Phase I, Bhopal- 462011.Madhya Pradesh, Bhilwara: Gr & Ist flr, Kanchi Heights, Badal Complex, Gangapur Road, Bhilwara, Rajasthan- 311001 Landmark: Near Nahar Petrol Pump, Bhavnagar: Unit No.G-1, Part G-2 G-3 of the building known as “Silver Arc”, Plot No.9, Waghawadi Road, Bhavnagar – Gujarat 364 001, Aurangabad: Showroom No A7, Ground Floor, Aurangabad Business centre, Adalat Road,Aurangabad,431005(M.S) , Anand: Ground Floor, Maruti Sunand, Amul Dairy Road, Anand, Gujarat - 388001., Ahmedabad: Unit No.G/3,102-103, “C.G.Centre”, C.G.Road, Ahmedabad - 380 009, Jodhpur: Ground Floor, 117/4, PWD Colony, Jodhpur, Rajasthan- 342001., Jaipur: G2, Ground Floor Green House, Plot O-15, Ashok Marg, Jaipur 302 001, Rajasthan, Waluj - Aurangabad: Vardhman Complex atPlot No: C- 252/1, MIDC Industrial Area, Waluj,Aurangabad-431136., Indore: 9/1/1 M.G. Road, Indore- 452001, Nashik: Shop no 9 to 13, AGORA, Canada Corner, Junction of Sharanpur and College road, Nashik 422002, Nagpur: Ground Floor, Swami Sadan, Plot no 206/1A, GPO Square, VIP Road, Civil Lines, Nagpur 440 001., Worli:, Andheri (W): G1, Ground Floor, Valecha Chambers, Plot B-6, New LinkRoad, Andheri (W), Mumbai400053, Andheri (E): Ground Floor, Shree Amba Shanti Chambers, Opp. Hotel Leela, Andheri Kurla Road, Andheri East, Mumbai- 400 059., Goregaon: Ground & 1st Floor, Shop No: E & F of A.K. Plaza, Junction of Veer Savarkar Flyover and S.V. Road, Goregaon-West, Mumbai-400062, Vasai: Ground Floor, Gurudwara Sri Guru Singh Sabha, Plot No 17A, Ambadi Road, Vasairoad(W), 401202, Thane, Juhu: Duru Kripa, Plot No: 3, Nutan Laxmi CHS Ltd, J.V.P.D Scheme, Road No 10, Vile Parle(W), Mumbai400 049, Bandra: Gr & Mezzanine Floor, Turner Road, Bandra (West). Mumbai– 400050, Chembur: Shrikant Chambers, Ground Floor, Sion Trombay Road, Chembur, Mumbai71, Vashi: Shop No 18-Gr Flr, Unit no 1& 2-First floor, Shree Ganesh Co-op Hsg society(P), Plot No 9,Sector 1, Vashi, Navi Mumbai- 400705, Fort: Shop No 6 & 7, Ground Floor, Botawala Buliding, 2/12 Horniman Circle, Fort, Mumbai400001. Opposite Asiatic Library, Metro: “Metro House”, Mahatma Gandhi Road, Dhobi Talao, Mumbai400 020), Cadel Road: Gr. Floor, G-2 & G3 Cadel Court, 230-232, Veer Sawarkar Marg (Cadel Road), Shivaji Park, Mumbai-400016, Nariman Point: Premises No 1A, Ground Floor,Mittal Chambers, Plot no. 228 of Block no. III of Backbay Reclamation, Nariman Point, Mumbai- 400 021, Worli: 4th floor, Nehru Centre, Discovery of India Building, Dr. A.B. Road, Worli, Mumbai- 400 018, Kalyan - Dombivili: Ground & Mezzanine Floor, Shop No: 1, 2 & 3, Shreya Palace, Opp Adarsh Hindi School, Santoshi Mata Road, Kalyan (W)- 421301., Ulhasnagar: Gr & Mazz Floor, Maruti Arcade, Opp. UlhasnagarMunicipal Corporation, Ulhasnagar - 421003, Pokhran Thane: Shop No 4, 5 & 6, Vasundahra, Kanakia Spaces, Pokhran II, Thane(W), Maharashtra400 601, Lamington Road: Ground & First Floor, 396/410, Shamita Terrace, Lamington Road, Mumbai400004 (Same building having ICICI Bank.), Talaupali Thane: Gr Flr, Mezz & First Floor, Nirmal Deep, Opp Talao Pali, Dr. Moose Road, Talapali, Thane (W)., Kolhapur: Ground Floor, Insignia Commercial Complex, Shivaji Park, Tara Rani Chowk, Kawla Naka, Kolhapur Maharashtra-416 003. Landmark: Near Kawla Naka Fire Station., Rajkot: Gr Floor & 1st Floor, Nath Edifice, Dr. Yagnik Road & Race Course Road, Rajkot - 1., Pune: 101, Gr+ Mezz, Karan Selene, Bhandarkar Road, Shivaji Nagar, Pune 411004, Hinjewadi: S.no. 255/1/8, Hinjewadi, Mulshi, Pune- 411027, Landmark-Near TATA Johnson Controls Ltd., Kondhave Khurd: Gr. Floor, Shop No: 4, Aditya Business Center, Plot No: 40-44, S.No. 1/A (part), NIBM Junction, Kondhwa Khurd Road, Pune- 411 048., Panjim: Ground floor, 184, 18th June Road, Panjim Goa 403001, Madgaon: Gr Floor, Plaza Centre, Abade Faria Road, Margoa, Goa 403601, Baroda: Gr+ Mezz, Corner Square, Race Course Circle, Baroda 390007, Udaipur:Ground Floor and Part 1st Floor of ‘Goverdhan Plaza’, 29, N.N.Acharya Marg, Udaipur – 313004 (Rajasthan), Surat: Gr. Floor, Mangaldeep, Near RTO, Ring Road, Surat 395001,ANAND RATH SHARES & STOCK BROKERS L M TEDBA A CAP TAL NVESTOR SERV CES L M TEDEDELWE SS BROK NG L M TEDENAM SECUR T ES PR VATE L M TED GEO T BNP PAR BAS F NANC AL SERV CES L M TED COMMERCIAL CENTRE, K K ROAD, KOTTAYAMTRIVANDRUM- GEOJITTOWERS, KALOOR, GEOJIT BNP PARIBAS FINANCIAL SERVICES LTDIII ND FLOOR, 40/7997, VEEKSHANAM ROAD, KOCHI - 682035, 695001, THRISSUR, - GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, DOOR NO.UNITY BUILDINGS, OPP. M D KOCHI - GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, FINANACE BNP PARIBAS FINANCIAL SERVICES LTD CORPORATION BUILDING, OPP. SMV SCHOOL, OVER BRIDGE, MG ROAD,TRIVANDRUM – KOTTAYAM- GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, GROUND FLOOR, TC/6/2807, (OLD NO. 26/563),2ND FLOOR, PERINCHERY’S BUILDING, ROUND NORTH, THRISSUR - 680 001, GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, DOOR NO 25395/29 & 25395/30, II ND FLOOR, PATHAYAPURA, PRARMAKKAVU DEVASWAM BUILDING, ROUND SOUTH, THRISSUR. CALICUT- GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD2ND FLOOR, TECHNO TOP BUILDING, VAIKOM MOHD. BASHEER ROAD, KOZHIKODE, PALAKKAD- GEOJITBNP PARIBAS FINANCIAL SERVICES LTD KADAKKADAN BUILDING, AK ROAD,OPP.POLICE STATION, DOWN HILL P.O, MALAPPURAM – 676519. BANGALORE- GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, NO 2, IIND FLOOR, MANANDI PLAZA, ST. MARK’S ROAD, BANGALORE-560001, GEOJIT BNP PARIBAS FINANCIAL SERVICES LTDNO 1000, 2 ND FLOOR,DR. RAJKUMAR ROAD, RAJAJI NAGAR, BANGLORE, HUBLI - GEOJITBNP PARIBAS FINANCIAL SERVICES LTDBHAVANI ARCADE, II FLOOR, B-BLOCK127-A NEW COTTAN MARKET, HUBLI-580029. MANGALORE - GEOJIT BNP PARIBAS FINANCIAL SERVICES LTDIIND FLOOR, CLASSIQUE ARCADE, K S RAO ROAD, MANGALORE – 575001. BIJAPUR - GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, FIRST FLOOR, GITANJALI JWELLERS,OPP KARNATAKA GUEST HOUSE, RAM MANDIR ROAD, BIJAPUR- 586 101. CHENNAI, GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, NO.C-53, 1ST AVENUECHINTAMANI, ANNA NAGAR EAST, CHENNAI-600 102, GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, M K TOWERS, NO.18, MINT STREET, SOWCARPET, CHENNAI - 600079, GEOJIT BNP PARIBAS FINANCIAL SERVICES LTDCHALLA MALL, 1 ST FLOOR, 101, 102, NO 11,THIYAGARAYA ROAD,T.NAGAR, CHENNAI – 600017. COIMBATORE-GEOJIT BNP PARIBAS FINANCIAL NTEGRATED ENTERPR SES ND A L M TEDKOTAK SECUR T ES L M TED MOT LAL OSWAL SECUR T ES L M TED AHMEDABADMUMBAI Jani, Motilal Oswal Securities Ltd,BearingLtd, Queens Mansion,2nd Floor, 44, A. K. Naik Marg, Behaind Khadi Gramodyog- 400 001 Tel:30278090. Prastant Naidu Motilal Oswal SecuritiesMajhi,Palm Spring Center, 2nd Floor, Link Road, Amrutha Chambers,Near Nagarjuna Circle, Road No.3, Ltd, 3rd Floor, HoechstTel:040- 30624444/45. : Sanket : Santosh Patil, Motilal Oswal Securities no. G-6/7/8/9 & 10,Citypride Complex, Near Nalanda Hotel, Mithakali Circle, Navrangpura-380 009Tel:079-30078120/8121. HYDRABAD : Gopal Ltd, Motilal Oswal Securities Ltd,201, Lumbini Malad (W), Mumbai –400064. Motilal Oswal Securities Banjara Hills,- 500082 House,Nariman Point, Mumbai - 400 021.KOLKATTA : Raju Chongdar, Motilal Oswal Securities Ltd, 3rd Floor, Constantia Building,Dr. U. N. Bramachari Street- 700017 Tel;9748640024. NEW DELHI : Deepak Kumar, Motilal Oswal Securities Ltd, 801-806,8th Floor, Prakash Deep Building, 7 Tolstoy Marg, Connaught Place, New Delhi -110001,Tel:011-43671859 /30481833. MUTHOOT SECUR T ES L M TED ALLEPEY :SenthilJithinsyam V, Chakrathara Building ,Nadakkavu Mavelikkara-690School, Pazhaveedu-688009. Tel:477-3259555,3292555. Ganesh Nadarajan, Kannattu Shopping Complex, First Floor, Engg.CollegeCHENNAI : K. Sameeulla Sareef,Tel:0479-3242666,3247555. Ratheesh St.,IKasturba Nagar, AdayarBuilding,East Of Town Hall Jn, Harippad-690514. Tel:0479 3248555,3242555. M, Ground Floor, Bhagya Building, Opp, Thiruvambady High 101. Tel: 0479-3243555, 3244555. BANGALORE :Jaison Thomas K, 56,1st A .Main,7th Block, Kormangala-Tel: 080-32210082, 32210081. Road, Chengannoor-689 121. Muthoot Securities Ltd., 15/16, 3rd Cross R, St Floor, Sri.Shankara –600 020. Tel: 044-32476333, 2476111. P Muthu, No:271,1stFloor, Avadi Poonamallee Road-600 054. Tel:044-32478111, 32479333. Mylsamy, C 44/45 Thiru Complex, Pantheon Road,Egmore-600 008. Tel: 044-32018813, 32018814. Sambath L, New No:175,Patel Road,1st Floor,Perambur-600011. Tel:044-32472111, 32476222. Sivaram Ravindran, 21/3 Ramaswamy Street, West Tambaram-600 045. Tel: 044-32477111,32478333. Satheesh S, No.7& 8, Ist Floor Kasi Arcade,Thyagaraya Road,T.Nagar-600017.Tel:044-32473111, 32479222. COIMBATORE : Anoop Jayan B, 144,Sengupta Street,Ram Nagar,Gandhipram-641009. Tel: 0422-3224111, 3225111. P Boobalan, 88,R.P.Towers,2nd Floor,Kovai Road,Pollachi-642002. Tel: 04259-327778,3245540. Leela Ramanan, 138,2nd Floor,T.V.Samy Road,Punniyakodi Street R.S.Puram -641002.Tel :0422-3238444, 3239666. DINDIGAL : RengiahD, 21-A- Dmmd Building,Pensioner Street,Central Bank Of IndiaUpstairs– 624001. Tel: 0451-3209111,3204111. ERODE : Satheesh Kumar D, 147,Dhana Complex,Mettur Road-638011. Tel: 0424-3243888,3246888. GUDIVADA: Mohammed Momeen, Door No.9/305, Pavan Plaza, Eluru Road, Gudivada, Krishna Dt – 521301 . Tel:08674-322551, 322699. GUNTUR : B S Nageswara Rao, 12-5, Arundalpet, Behind Church, Narasaraopet – 522601. Tel: 08647-322770, 323551. HYDERABAD : Srinivasu Kollepara, Flat No.305,3rd Floor, Kvr Enclave, Ameerpet, Tel:040-32599505, 32599089. IDDUKI : Prasanth K R, Kasamkulam Shopping Complex,Market Junction ,Kunthalampara Road-Kattapana-686505. Tel: 04868-322510, 322511. Sijo Paul, Kalarickal Arcade,Land-Arc Complex,Nh-49,Adimaly-685561. Tel: 04864 224950, 09388566429,09388566428. Joseph P J, Room No:840,Near Nedumkandam Tcompany,Nedumkandam Po,-685553. Tel: 04868-322495, Lyju Jose,Choorapuzha Towers, Pala Road, Thodupuzha-685584. Tel: 04862 327555, 340555. KANDUKAR : Radha Krishna Sripathi, 12-5-38, Old Bank Road, Kandukur, Prakasam Dt – 523105. Tel: 08598-321778, 321777. KANNUR : Sandeep K, Sadhoo Building ,Fort Road-01. Tel: 0497-3246555, 3247555. Rajeesh P, M.M.Cnetre,Main Road,Payyanur,Pin:670307. Tel: 04985-322999,322844. Mahesh P V, Ground Floor,Sithara Complex,Ncc Road,Thalessary-670101. Tel: 0490-3264555,3267333. KANYAKUMARI : Senthilvel Nathan, P2, Fathima Building, Opp. Chakravarthy Theatre, Chettikkulam Jn., Nagercoil- 629002. Tel: 04652-312347, 312348. KARUR : Saravanan P, 87B/151/1,1st Floor,Jawahar Bazar,Kovai Road-639001. Tel: 04324-310062, 310060. KASARGOD : Deepa V, Stylo Complex, Bank Road, Kasargode- 671121. Tel: 04994-329616, 329606. KOCHI :Pradeep P Rangan, City Height, No: 308, IstFloor, Near Private Bustand, Alwaye –683101. Tel: 0484 3102422, 3102433. Jyothish Joseph, II nd Floor, Janatha Building, Church Junction, Angamaly- 683 572. Tel: 0484 3106222, 3102444. Divya KS, Belmont Plaza,Near Bank Of Baroda North Branch,Banerji Road-682018. Tel:0484-3114960, 3114955. Ajishkumar B, Supremo Complex,Toll Junction,Edappally-682024. Tel: 0484 3101277. Jes V John, Door No. 28/877c (New No.53/477a), 1st Floor,Chakkalakal Building, K P Vallon Road, Kadavanthra-682 020. Te: 0484-3101171, 3101181. Rijo Devassy, Cristal Tower,M.C.Road,Kalady-683574. Tel : 0484-3113444, 3103770. Renjith G, I St Floor, Mik Building, Kalamassery-683104. Tel: 0484- 3273555 , 3294555, Abraham K J, Ground Floor,Mcp Building ,Near Federal Bank,Kolencherry-682311. Tel : 0484-3277881,3115044. Ajo N Joseph, Leela Arcade ,Central Junction,Koothattukulam. Tel: 0485-3245111, 3243111. Anil P2nd Floor, Mar Thoma Cheriapally Bldg,Near Canara Bank,Kothamangalam –686691. Tel :0485-3249555,3249666. Nithesh Neelakandan Chaitra Hotel Building, Sndp Juction ,1st Floor ,Muvattupuzha-686661. Tel : 0485-3246555, 3249333. Muhammed Rafeek P Y, Devi Towers ,Mcroad ,Near Bank Of India Perumbavoor-683542. Tel : 0484-3101211,3102411. Ramaswamy K, Madathiparambil Bldg, Mattummal Junction, Thevara-682013. Tel: 0484-3101266, 3101299. Sibi Johnson, Ground Floor,Chinmaya Mission Bldg, Layam Rd, Tripunithara-682301. Tel: 0484 –3101255,3101244. KOLLAM : Soumya Manoj, Thomson Shopping Complex,College Juntcion, Anchal-691306.Tel :0475-3264111, 3265111. Manoj N S, Mulamoottil Building, Near Ksrtc Bus Stand, Ayur-691533. Tel: 0475- 3200444,3201444. Sajin K S, Muthoot Chambers, Opp.K C Theatre Thattassery, Chavara-691583. Tel: 0476-3204555,3206555. Mahesh P, Noufal Building, Opp. Head Post Office, Karunagappally-690518. Tel : 0476-3207555, 3243555. Anandavally R, Muthoot Buildings, Vadayattukotta Road-691 001. Tel: 0474-3212555, 3213555. Harikuttanpillai J, Muthoot Chambers, Pulamon P.O, Kottarakkara-691506. Tel :0474-3218555,3217555. Imesh S Rajan, P.B.No:11, Hospital Junction, Opp.Petrol Bunk, Kundara-691501. Tel: 0474-3216555, 3219555.Sreekumar C, Kallelil Complex, Hospital Junction, Punaloor-691 305. Tel: 0475- 3202555,3244666. KOTTAYAM : Roju P R, Thyparambil Buildings,Perunna, Chenganasserry, Tel : 0481-3238555, 3210051. M Vasudevan, Krishnapriya Arcade, Kanjikuzhy-686004. Tel: 0481-3211555, 3231555. Shinesh A S, Ground Floor ,Kollamkulam Towers,Kanjirapally-686507. Tel: 04828-320703,327666. Panoose Varghese, “Koodathumuriyil Building, Karukachal-686530. Tel: 0481-3210111,3230300. Bibith Koshy Mathew, Bethanya Building, No:584a,T.K.Road,Kumbanad-689547. Tel: 0469-3203111, 3204111. Anoop Varghese, Building No.Iii / 92 B 6, 1st Floor, Above South Indian Bank, M.C. Road, Kuravilangad. Tel:04822-312555, 312333. Jose Joseph, Global Building,Causeway Junction,Building No:22-6,7,8,9.Mundakayam-686513. Tel: 04828-327744,327733. Jobin Baby, Marian Complex, KurusukavalaJunction ,Pala-686575. Tel: 04822-311441, 323271. Brijith Varughese, Inchakkattu Building,Puthuppally-686011. Tel: 0481-3237555,3234555. Linto V M, Muthoot Crown Plaza, T.B Road-686 001. Tel: 0481 3212555, 3218555. KOZHICODE : Leo Mathew, 1 St Floor, Hotel Thushara International, Kodencherry P.O-673580. Tel:0495 3213777, 3226777. Anand M, 5/3403 C32, 3rd Floor, Space Mall, Jaffekhan Colony Road, Mavoorroad-673 004. Tel: 04953215444, 3219444. Ajayan . A, Door No. 20/230v, Sy.No.61/1, 1st Floor, Neethi Medicals Building, Behind Town Hall, Convent Road, Vadakara-673 101. Tel:0496-3224775, 3224776. MADURAI :Mr. M.Pandiaraj, First Floor,17,Avani Road,Bye Pass Road,S.S Colony,10. Tel :0452-3278555, 3246420. MALAPPURAM : Hussain Abid N, Ground Floor Asian Tower ,Tirur Road-676503. Tel: 0483-3264555, 3268555. Sajeesh Kumar, 1st Floor, Palassery Building.Opp.HeadPost Office,Court Road,Manjeri-676121. Tel: 0483-3249555, 3266555. Krishnadas K B, Ct Plaza, Ooty Road Perinthalmanna- 679322. Tel : 04933-327555, 327666. Balaji K P, K M S Tower, Thazepalam, Tirur 676 101. Tel:0494-3243555, 3246555. Dony Joseph, Ground Floor ,Vp Complex, Near Police Station ,Main Road Nilambur-679329. Tel :04931-344018, 344019. MANGALORE : Aravind Murali, Abhiman Plaza,Bunts Hostel Circle,Manglore-575003.Tel: 0824–3200054,3200057.MARKAPUR :H Raju Borigorla, 7/273, 2nd Floor, Y S R Complex, Nehru Street, Markapur - 523 316. TEL:08596-321425, 321426. MYSORE : Somashekar M N,(New No.L.36), First Floor, Shivaji Road, N.R Mohalla-570007. Tel:0821-3209925, 3209924. NAMAKKAL : Murali R, No. 320/1, Paramathy Main Road, Santhapettai Pudur, Namakkal-637 001. Tel:04286-322042, 323990. NANDYAL : Hussain Peera D, Door No. 25/154B, 1st Floor, Sanjeeva Nagar, Nandyal,AP- 518501. Tel: 08514-322229, 322228. ONGOLE : Naresh Achyutha, Muthoot Securities Ltd, 37-1-169, 2nd Floor, Arn Complex, Kurnool Road, Ongole, Prakasam Dist, AP- 523002. Tel: 08592-322955, 322995. PALAKKAD : Rose Maria Dominic, Mangalassery Building,H.S.Road,Cherpulassery-679503. Tel: 0466-3213555. Senthil Kumar J, 1st Floor,,Classic Building,Anikkodu Mukku,Chitoor-678101. Tel: 0492-3315802,3315803. Arunesh K A, Thaj Complex, 1st Floor, Opp. Police Station, Mannarghat- 678582, Tel: 04924-322993, 322994. Dinesh N, J.R.J Complex &Enterprises,Ottapalam-679101. Tel: 0466-3214555, 3214333. Aneesh Chandran R, Chundakkayil Complex, Manjakulam Road-14. Tel: 0491-3266555, 3268555. Anil Kumar T K, Building No. 654 G, 1st Floor, Chulliyil Bldg, Guruvayur Road, Pattambi- 679303. Tel: 0466- 3214777,3214666. BijoyV, Safa Building,Airport Road ,Near Nalanda Hospital, Ramanattukara, -673633. Tel: 0495-3211753,3211752. PATHANAMTHITTA : Manoj Babu, Ist Floor, Vilanilam Building, Near Private Bus Stand, Adoor-691523. Tel: 04734-323388,323377. Binoy John, Thommi Shoppingcomplex, P O Road, Konni – 689691. Tel: 0468-3203444, 3203111. Anish Kumar M P, 1st Floor, Mulavoor Ayurvedic Pharmacy,Nedumprayar,Maramon P.O,Kozhenchery-689549.Tel: 0468-3206555, 3209555. Seen Abraham Mathew (Buidling No:512b) Lissy Villa ,Pandalam P.O ,Pathanamthitta-689501. Tel: 04734-323022, 323021. Chacko K C, Opp.Anurag Theatre, John’s Complex, Pathanamthitta –689645. Tel: 0468-3202666, 3209666. George K Abraham, Othara Squre, Perumpuzha, Ranni - 689 672. Tel :0473 -5320666, 5325111. Tomy Thomas, Kackanattu Square , Tb Junction,Ramanchira, Thiruvalla –689101. Tel: 0469-3202555, 3202666. Suresh Kumar K A, Church View Bldgs Thumpamon - 689 502. Tel :04734-323555,323666. PUDUKKOTAI : Natarajan D, Best Commercial Complex,1 St Floor, Opp Svs Motors,Marthandapuram, 3rd Street,Alangudi Road,Pudukkotai- 622001. Tel: 04322-327111, 327555. PUTTUR :Yunus Khan, 65/1,1st Floor ,Minar Complex,Main Road Puttur-574201. Tel: 08251-326254, 326255. RAJAHMUNDRY: Mohammad Rehman, Door No.6-9-13, Kalabargi Vari Street, T-Nagar, Rajahmundry –533101. Tel: 0883-3244757, 3244770. SALEM : Prem Kumar, M No:6,Omalus Road ,Four Roads, Salem –636009. Tel: 0427-3206111,3208111. THANJAVUR : Bharathi Raj, Near Muthoot Finance, South Main Street-613009. Tel: 04362-313312, 313406. THIRUNELVELI : S Saravanakumar, Door No. 22, 2nd Floor, Elango Complex, South Car Street, Thirunelveli Town-2.- 627 006. Tel: 0462-3206006,3206050. THIRUPUR : K Saravanan, Murthys Plaza,16 Kg Street,Kadarpet,Tiruppur,-641601.Tel: 0421-3242555, 3243003. Ravindran C, “Muthoot Securities Ltd, 4, Puthu Thottam Road, Rp Complex, Near Kailash Marbiles, Palladam Road, Thirupur – 641604. Tel:0421 – 3211102, 3211103. TRICHUR : Mr. Radhakrishnan K V, Venus Complex ,M.G Road ,West Fort-680004. Tel: 0487-3257111, 3208388.Rahul Raj Thayyil, M.A.Jose Building ,North Junction,Chalakudy. Tel: 0480-3275111,3277111. Jojo Mathew, Opp Allengadan Vessel,Tana Jn,Irinjalakuda-680121. Tel: 0480-3270021,3270022. Raphel V I, Modern Tower ,Near South Malabar Gramin Bank,Wadakkancherry Road, Kunnamkulum, -680503. Tel: 04885-324088, 320086. K O Jose, First Floor,Muscat Building,Opposite Petrol Pump,Ottupara,Wadakkancherry-680582. Tel: 04884-326966, 326977. TRICHY : Iyyappan G, 3rd Floor ,P.L.A SivagamiBuilding, 4th Cross, Tillainagar-620018. Tel: 0431-3249111, 3247111. TRIVANDRUM : Sreekantan M S, Deira Towers,Opp. Govt Hss,Kallara-695608. Tel: 0472-3240111, 3208211. Aneesh G S, Sreepadmanabham,Door No:Kp3/81,Kazhakootam Jn,Above Federal Bank-695582. Tel: 0471-3273111, 3274111. Manu S, Arjun Towers,Opp: Private Bus Stand,Kilimanoor-695601. Tel : 0470-3209944, 3255022. Rajesh R, Kattuparambil Bldg,Kurisadi Jn.,Nalanchira-695015. Tel: 0471-3228555, 3229666. Uma Maheswaran,G P Tc 12/145(6),Near Hdfc Bank,Plamoodu,Pattom P.O-695004. Tel: 0471-3239111, 3234007. Rajeev P J, Ground Floor, Muthoot Chambers, Near Sastha Temple, Thycadu-695 014. Tel: 0471- 3224555, 3227555. UDUPI : Rakesh Holla, 1st Floor,London Plaza, K.M Marg,Udupi-576101. Tel: 0820-3208222, 3202111. VIJAYAWADA : T Radha Krishna, 1st Floor, Opp. Bsnl MicrowaveStation, M.G Road-520010. Tel: 0866-3244536, 3244535. VINUKONDA : SAI M M K Kumar, Ch. Lakshmi Kalyani, D No.30-506/B, Upstair Of Lakshmi Vilas Bank, Beside Andhra Bank-522647. Tel: 9346622602, 9346622603,273273. VISAKHAPATNAM : Guggilam Bhavani Aditya, First Floor,Sri Mukha Complex, Dwaraka Nagar Main Road-530016. Tel : 0891-3249509, 3249505. WAYANAD : Ajith Kumar V H, 2nd Floor, Ammus Shopping Complex, Near AnanthaveeraTheatre, Kalpetta-673121. Tel: 04936-340555,319933. Shiju N P, 1st Floor, Delta Complex, Above Arya Bakery, Calicut Road, Mananthavady-670 645. Tel : 04935-329511, 329522. Prasanth K D, City Tower ,2nd Floor ,Gandhi Junction,Near Hdfc Bank,Sultan Bathery-673592. Tel: 04936-319966, 319988. REL GARE SECUR T ES L M TED AGRA : RELIGARE SECURITIES LTD,F- 8 .&ALIGARH : Block No.- E16/8, Kailash Tower, Sanjay Place - 282 002,,Tel:0562- 3013142. AHMEDABAD: RELIGARE SECURITIES M: 09568112345. ALLHABAD :Complex, Opp Parimal Garden, C.G.Brij Ford, 2, S.P. Marg, Civil Lines, Allahbad,Tel: 0532- 2560257.SECURITIES:LTD,Shop No. 5, 6, 7 & 8 Himalaya Towers,Nagpal Towers- 414 001, Tel:9371977618 & 0241-2425537 9, Ist Floor, RELIGARE SECURITIES LTD,1st Floor, Center Point Market, Samad Road-202001.,Tel: +91 571 6671327 / 6671317, LTD, 201,202,203,2nd floor,Dev RELIGARE SECURITIES LTD,C/o Road-380006 ,Tel:9727746713. AHMEDNAGAR :RELIGARE AMRITSAR RELIGARE SECURITIES LTD, Ist Floor, Savedi RoadII, SCO-44, Distt. Shopping Center, Ranjeet Avenue, Amritsar- 143 001.Tel:0183- 6612322. AURANGABAD : RELIGARE SECURITIES LTD, 1 st Floor, Bhaskar Meridian, Opp. Swatantra Sainik Colony, Nageshwarwadi- 431 001,Tel:9860666571 & 0240-6645200. BANGALORE : RELIGARE SECURITIES LTD, 4th floor, Almas Centre No. 87, Mahatma Gandhi Road-560 001,Tel:080 – 40117100. RELIGARE SECURITIES LTD, No 147,EmeraldTowers, 5th Main, 5th Block,Koramangala -560095,Tel:080-41702028/29. BHOPAL : RELIGARE SECURITIES LTD, Ranjit Tower, Ist Floor, Plot No. - 8, M.P. Nagar, Zone - 2, - 462 011,Tel:0755- 4087701/ 02. BHUBANESHWAR : RELIGARE SECURITIES LTD,Plot No - 24 , SCR Bapu Ji Nagar , Janpath - 751009,Tel:’+06122200485 ,+919534397239. BILASPUR: RELIGARE SECURITIES LTD,Room No:502, V.r.plazaNear Srikant VermaMargLink Road,bilaspur - Chhatisgarh-492501 ,Tel:993094986. CHANDIGARH : RELIGARE SECURITIES LTD, SCO - 56-58, Sector - 9 - D, Madhya Marg - 160 009. Tel:0172- 4681422. RELIGARE SECURITIES LTD, SCO 56 - 58 2nd Floor Sector 9 D, Tel:’911244181818, +9196466683077. CHENNAI : RELIGARE SECURITIES LTD, 4th floor, City Tower, No. 117, Theagaraya Road, T. Nagar-600017. Tel:’+9144_43546592, +919176643314.COIMBATORE : RELIGARE SECURITIES LTD, Gowtham Centre, No. 14 , 2nd Floor, 1055 / 22, Avinashi Road, - 641 018 ,Tel:422-4200601,602,4369604 /9994857779. DEHRADUN : RELIGARE SECURITIES LTD,303, IInd Floor, Laxmi Chambers, 69, Rajpur Road, Opp. Meddo Plaza, Dehradun (U.P.) ,Tel:0135- 2740093/96- 3202050. GANDHIDHAM : RELIGARE SECURITIES LTD, 1st Floor , Khalsa Avenue , Sector - 1/A Plot No 210, Kutcha KalaRoad , Gandhi Dham- 270201 ,Tel:02812466570-73. GOA : RELIGARE SECURITIES LTD, Shop No.1 and 2, Vasant arcade, Comba, Margaon - 403 601,Tel:0832 - 2702817, 2706250, 2705146. GUWAHATI : RELIGARE SECURITIES LTD,4th Floor, Ram Kumar Plaza, Chatribari Road, Near Himatsingka Petrol Pump - 781 001, Tel:0361 - 2630772, 771, 2134039-40 – 09954499752. HISSAR :RELIGARE SECURITIES LTD,SCF - 8, Red SquareMarket, HUDA Commercial Estate No. - 1, Hissar - 125 001,Tel:01662- 282503/ 4/ 5/ 6. HUBLI : RELIGARE SECURITIES LTD, Shop No-4, Pacific Plaza, Vivekanand Hospital Road, Deshpande Nagar, Hubli-580029 ,Tel:0836-4265405-5403-02/944917443/9611131294. HYDERABAD : RELIGARE SECURITIES LTD, Cauvery City Plaza, IInd Floor|| Sunder Nagar -250038,Tel:040-40144925. RELIGARE SECURITIES LTD, 2nd Floor,7-1-59/2&59/6, Mandhana Towers,Ameerpet - 500 016. ,Tel:040-40180612, M: +91 9346279301,9849665234 . INDORE : RELIGARE SECURITIES LTD, Mazznine Floor, Sterling Tower, 2 , M.G. Road - 452001,Tel:0731- 4254507/ 08. JABALPUR: RELIGARE SECURITIES LTD,Ground Floor, 1627, Shastri Bridge Chowk, Napier Town- 482 001. Tel:0761- 4083972. JAIPUR : RELIGARE SECURITIES LTD,No.501& 605, 5th & 6th floor Luhadia Tower, K-11,Ashok Marg Near Ahinsa Circle, C Scheme-302001,Tel:01414066023 ,+919982688444. JALANDHAR: RELIGARE SECURITIES LTD,Gobind Niwas, 2nd Floor, 36 GT Road- 144 001,Tel:0181- 5061885/ 886/ 887.JODHPUR : RELIGARE SECURITIES LTD,644, 3rd Floor, Near Manidhari Hospital, Residency Road - 342 003,Tel:0291- 3041786. KANPUR : RELIGARE SECURITIES LTD, 1, Ground Floor, Kan Chabmers, 14/13, Civil Lines - 208001,Tel:0512-3019106. KOCHI : RELIGARE SECURITIES LTD, 35/65-D,3rd Floor, Thadikaran Centre, Palarivattom-682025. ,Tel:+914954025771 +919349791773. RELIGARE SECURITIES LTD, 35/65-D,3rd Floor,Thadikaran Centre, Palarivattom, Ernakulam – 682 025,Tel:0484-4040548. KOLHAPUR : RELIGARE SECURITIES LTD,C-3, 1st Floor, Royal Prestige, E-Ward, Sykes Extension - 416 007,Tel:9561081880 / 9822652484. KOLKATA :RELIGARE SECURITIES LTD, Unit No. 410, North Block, 4th Floor, Ideal Plaza, 11/1,Sarat Bose Road – 700020.,Tel:03344010946,03344010933 ,09831831241. KOTA : RELIGARE SECURITIES LTD,D-8, Unit No.- 104-105, Shriram Complex, Opp. Multipurpose School, Gumanpura, ,Tel : 9414184841. LUCKNOW : RELIGARE SECURITIES LTD, GROUND FLOOR, RIZ Building, 5 Park Road-226001,Tel:9935344009. LUDHIANA : RELIGARESECURITIES LTD, SCO.16-17,4th Floor, Fortune Chambers, Feroze Gandhi Market-141001,Tel:0161- 4691428. MADURAI: RELIGARE SECURITIES LTD,16/17, North Veli Street, C - 2, A R Plaza, III Floor - 622501,Tel:9940185524 Fixed Line: +91 0452 4372115 Extn: 1600. MORADABAD : RELIGARE SECURITIES LTD, Chadha shopping Complex, IInd Floor, GMD Road - 244 001,Tel: 9358141476. MUMBAI : RELIGARE SECURITIES LTD, 301/302, Viraj Tower, Gundavali, Western Express Hightway,Near landmark building, Andheri (East) - 400 093 ,Tel:022-67288000. MYSORE : RELIGARE SECURITIES LTD, No 5 & 12, Vishwamanva Double Road, Saraswathipuram-570009.,Tel 821 4001170 /4000169. NAGPUR : RELIGARE SECURITIES LTD, Jain House Opp Patwardhan High School,Near Mahabir Motors , Sitabuldi –440012, ,Tel:9923391430/ 9373736461. NEW DELHI :RELIGARE SECURITIES LTD,G - 16, Marina Arcade, Opp. Shivaji Stedium, Connaught Place - 110 001,Tel:011-6615 4195, M: 99990 39806 011- 49007900 . NOIDA : RELIGARE SECURITIES LTD, Plot No. 11, A3,A4,A5,GYS Global,Sector - 125, - 201 303. Tel: +91-120-3394178, M: +91 9999512299. PATNA : RELIGARE SECURITIES LTD, 101,Lok Nayak Jay Prakash Bhawan,1st Floor,Dak Bunglow Crossing-800001.,Tel :9771431894. PUNE: RELIGARE SECURITIES LTD, Office No.9, Kamla Cross Road, The Jewel of Pimpri, Opp.PCMC Building, Mumbai - Pune Road, Pimpri – 411 018 ,Tel:020-40711602, 8806663878 . RELIGARE SECURITIES LTD, Vascon Matrix, Ground Floor, Near Shoppers Stop,Wakdewadi,Shivaji Nagar-411005,Tel: 91 020-30240342. RAIPUR : RELIGARE SECURITIES LTD, 1st Floor, Nagvev Plaza,Opp.Ho,Tel Satluj, Jail Road –492001.,Tel:9993094983.RANCHI : RELIGARE SECURITIES LTD, 2nd Floor,Shop No-39,40.41,GEL CHURCH COMPLEX,Main Road. -01 ,Tel:9334452400 SURAT : RELIGARE SECURITIES LTD, 307, 3rd floor 21ST Century building, Nr, World Trade Centre, Near, Udhna Darwaja. Ring Road-392503. Tel:9825706168 /0261-2344112. UDAIPUR: RELIGARE SECURITIES LTD, 405-409, HG - 1, D Hajareshwar Colony, Opp. Hanumaan Temple, Court Road - 313001,Tel:0294- 2419924/25 /26. VADODARA : RELIGARE SECURITIES LTD, 3rd Floor, Corner Square, B/S west Side Near Natu Bhai Circle, Race Course Circle-390007.Tel:’919558816823. RELIGARE SECURITIES LTD, 3rd Floor,Corner Square,B/S West Side,Near Natubhai Circle,Race Course Circle,Baroda -390 007. ,Tel: +91-0265-2390838/39/40 /0265 - 3068600 TO 607. VARANASI: RELIGARE SECURITIES LTD, D-64 / 127, LowerGround Floor, C-H, Arihant Complex, Sigra - 220 010.,Tel:0542- 3052053 SHAREKHAN L M TED Agra :-Allahabad-211 003. (U.P.) ,Floor, Friends Trade Center, Nehru Nagar, Opp.Anjana Cinema, M.G.Marg,-282002.(U.P.),Automobiles,Court Road, 143001 Sharekhan Ltd,201/202/301,Dynamic House,Near Vijay Prathna Vihar,Anand Vidya Nagar ,Road,388001.,T-02692-245614-16,Aurangabad :- Sharekhan No.14 & 15, Vashishti Vinayak Tower, NrPetrol Pump compound, Mahavir Lines, Sharekhan Ltd,F-2, First T-0532 - 2260 848,Amritsar :- Sharekhan Ltd,5 Deep Complex, 1st floor , Opp Doaba T-0562- 4032053,Ahmedabad :- , T-0183 - 6451903 – 905,Anand :- Sharekhan Ltd,F-5 Cross Road,Navrangpura,380009 T-079 – 66060141,Allahabad :- Sharekhan Ltd,1st Floor, Shop Ltd,Mezanine floor, Abish tower, Baba Yatrik Hotel, Tashkant Marg, CivilChowk,431001,T-9923750078,Bangalore :- Sharekhan Ltd,#2307, Swanlines Building, 12th Main Road, Jayanagar 3rd Block East, 560011 , T-080 – 42876666,Bareilly :- Sharekhan Ltd,148 Civil Lines,243001,(U.P.) , T-O581-2510922 /925,Bharuch :- Sharekhan Ltd,221-227 2nd Floor,Dream Land Plazza,Opp Nagar Palika,Station Road,392001 , T-02642 244998 / 99,Bhavnagar :- Sharekhan Ltd,Gangotri Plaza, 8A 3rd Floor ,Opp Dakshinamurti School , Waghawadi Road,364002. , T-0278 - 2573938-39,Bhopal :- Sharekhan Ltd,Shop No. 114,115 & 116, 1st Floor, Plot No. 2, Akansha Parisar, Zone-1, M.P. Nagar, 462011 , T-0755 – 4291600, Bhubaneshwar :- Sharekhan Ltd,A/B-2nd Floor, 501/1741, Centre Point, Unit No.3, Kharvel Nagar, 751001,T-2380996, Calicut :- Sharekhan Ltd,1st Floor, 6/1002 F, City Mall, Opp. YMCA, Kannur Road, 673001, , T-0495 - 4014060-64,Chandigarh :- Sharekhan Ltd,SCO : 185,1st Floor, Sector 38-C, 160036 (Punjab) , T-0172- 4643000,Chennai :- Sharekhan Ltd,G-2,Salzburg Square,107-Harrington Road, Chetpet,600031 , T-28362800,Coimbatore :- Sharekhan Ltd,Vignesvar Cresta,2nd Block 3rd Floor,1095-Avinashi Road,P N Palayam,641037 , T-0422-2218252,Dehradun :- Sharekhan Ltd,75/8, Rajpur Road, Near Raj Plaza, Opposite SBILife Insurance,248001 T-2740 90-94,Gandhidham :- Sharekhan Ltd,Plot No.147, Sector 1 A, Near Big Byte Resturant, Gandhidham –37020 , T-02836 – 323113,Ghaziabad :- Sharekhan Ltd,F.F., 7A, Mahaluxmi Metro Tower, C-1/C-2, Sector-4, Vaishali, 201012 ,T-9911695764,Gurgaon :- Sharekhan Ltd,GF 10 JMD Regent Square,DLF Phase II,Near Chakarpur Opp Sahara Mall,Main Mehrauli Gurgaon Road,122001 , T-0124 –4104555-7,Guwahati :- Sharekhan Ltd,Bhagwati Commercials, 2nd Floor, Sikaria Compound, Opp. Hotel Pragati Manor, Christianbasti, G S Road,781005 , T-9957562519,Gwalior :- Sharekhan Ltd,Portion No.3, 1st Floor, Parimal Complex, Opp.Kotchar Petrol Pump, Chetakpuri Square, Madavrao Scindhia Marg,-474 009 (M.P.) , T-0751-4069570 -73,Hyderabad :- Sharekhan Ltd,7-1-22/3/1-5/C,Afzia Towers,1st Floor,Begumpet,500016 , T-040 - 66827469-70,Indore :- Sharekhan Ltd,102-104 Darshan Mall,15/2 Race Course Road,452001 , T-0731 - 4205520 – 24,Jabalpur :- Sharekhan Ltd,2nd Floor, Mangalam Building, 103, Napier Town, Shastri Bridge Road, 482001 , T-0761-5007775 ,Jaipur :- Sharekhan Ltd,Flat No 401/402, 4th Floor, Green House,Ashok Marg, C-scheme,302001 , T-0141-4078000,Sharekhan Ltd,7 Katewa Bhawan,Opp GanpatiPlaza,M. I. Road,302001 , T-0141-5114137-38,Jamnagar :- Sharekhan Ltd,4/5, Avantika Commercial Complex, 2nd Floor, Limda Lane Corner, 361 001. , T-0288 2541861, Jamshedpur :- Sharekhan Ltd,UG, 2&3 Shreeji Arcade, 76B, Pennar Road, Sakchi,831001. , T-0657-6552009,Jodhpur :- Sharekhan Ltd,A-3 1st Floor,Olympic Tower,Station Road,342001, T- 2635600, Junagadh :- Sharekhan Ltd,6/7/8, 2nd Floor, Raiji Nagar,Shoping center, Above Axis Bank, Motibaug, Road, 362001 , T-0285-2674020,Kannur :- Sharekhan Ltd,Ramananda Compound, Near AKG Hospital, 1st Floor, TPN 264 A, N.H 17,Talap, 670002 , T-0497 – 6451515,Kochi :- Sharekhan Ltd,Chicago Plaza, 1st Floor, Rajaji Road, Ernakulam, Kochi-682 035 , T-2368411,Kolhapur :- Sharekhan Ltd,Office No 5, 3rd Floor, Ayodhya Tower, C S Number 511/KH, 1/2 E Ward, DhabolkarCorner, 416001 , T-0231 - 6687063 – 69,Kolkata :- Sharekhan Ltd,Kankaria Estate,1st Floor, 6-Little Russell Street, 700 071. , T-033 – 22830055,Lucknow :- Sharekhan Ltd,2/159, Vivek Khand, Gomti Nagar, 226010 , T-4101693, Sharekhan Ltd,1st Floor Marie Gold, 4 Shahnajaf Road,Hazratganj,,226 001 , T-0522 – 4010342, Ludhiana :- Sharekhan Ltd,SCO 145 1st Floor Feroze Gandhi Market, Near Ludhiana Stock Exchange,141001. , T-0161-5023456,Madurai :- Sharekhan Ltd,Saran Centre A-2, 1st Floore, 19, Gokhale Road, Chinnachokikulam, 625 002 , T-0452 – 4288888 ,Mangalore :- Sharekhan Ltd,Sharekhan, C-1, 1st Floor, Presidium Commercial Complex, Anand Shetty Circle, Attavar, 575001 , T-0824 – 6451503,Sharekhan Ltd,T-1 3rd Floor,Utility Royal Tower,K S Rao Road,575001 , T- 2441318,Mumbai :- Sharekhan Ltd,1st floor, HamamHouse, Hamam Street, Fort , 400 023 , T-022- 6610 5600 - 15 , Sharekhan Ltd,703, Prem Sagar Building , 1st Floor , 3 A Linking Road , Khar (w), 400 052 , T-022- 6513 5333,Sharekhan Ltd,202,Sai Plaza 2nd Floor,Junction of Jawahar Road R. B. Mehta Road,Opp. Ghatkopar Railway Station,Ghatkopar (East),400 077 , T-022- 2501 1833,Sharekhan Ltd,Gogate Mansion,Ground Floor 89-Jagannath Shankar SethRoad,Girgaum,Opera House,400004 , T-022 66105671 – 77,Sharekhan Ltd,B/204, Kotia Nirman, 2nd Floor, Next to Fun Republic Cinema,New Link Road, Andheri (W), 400 053. , T-022- 6675 0755,Sharekhan Ltd, 20;Rajabahadhur,Mansion, 1st 5g,2nd,floor Hamam street,Fort,400023 , T-022 66105691,Sharekhan Ltd,Shop No.10, Om Sai Ratna Rajul Co-Op.Hsg. Society, Corner of Patel Nagar, M G Road, Kandivali(W), 400067 , T- 28090509, Sharekhan Ltd,Flat No. 4B, Ground Floor, Ashwin Villa,Telang Road, Matunga (E), 400019 , T-022 65139230-32,Sharekhan Ltd,Shop No.1,Hetal Building,Ground floor,Opp.Punjab National Bank, Zaver Road,Mulund (West), 400080 , T-022 – 2565 6805,Sharekhan Ltd,108, 1st Floor, Persipolis Bldg., Above Titan Showroom, Opp.St.Lawrence School, Sector-17, Vashi, Navi Mumbai-400703 , T-022 -27882979/80,Sharekhan Ltd,2, New Sarvodaya CHS, Gr. Floor, Sarojini Road, Near Angithi Restaurant, Vile Parle West, 400 056 , T-26143000, 65139210,Sharekhan Ltd,Shankar Ashish Bldg, 1st Floor, R.S.Marg, Chandavarkar Cross Road lane, Above HDFC Home Loans, Near ICICI Bank,Borivali (W), 400 092 , T-022- 6513 1221,Sharekhan Ltd,502, Rishikesh Apartment, Opp to N L High School,Above Sapna Hotel, S.V.Road,Malad (West), 400064 , T-020- 6513 3967 -69, Sharekhan Ltd,301 & 302, 3rd Floor, Manibhuvan Co-op Hsg Soc.Ltd., Plot No.343, Above ICICI Bank, S.V.Road, Pahadi Village, Goregaon(W), 400 062 , T-022-67418570, Thane :- Sharekhan Ltd,2nd Floor, Gulmohar Tower, Mahatma Phule Road, Opp.A.K.Joshi High School. Naupada, 400 602. , T-022- 2537 2158-61,Sharekhan Limited, 10th Floor, Beta Building, Lodha iThinkTechno Campus,Opp. Kanjurmarg Railwaystation,Kanjurmarg (Et), Mumbai – 400 042,Tel :- 022 6116 9179,,Mysore :- Sharekhan Ltd,Shop No.3,Mythri Arcade,(Next to Saraswathi Theatre), Kantharaj Urs Road,Chamaraja Mohalla,Saraswati Puram, -570009 , T-6451601,Nagpur :- Sharekhan Ltd,Plot No. 79, 1st Floor, Universal Annex, Dharampeth Extension, Opposite New Wockhardt Hospital, Shivaji Nagar,440010. , T-0712 -6654100-19,Sharekhan Ltd,409/412, Heera Plaza, Near Telephone Exchange Square, Central Avenue,440 008 , T-0712-2731922-25,Nashik :- Sharekhan Ltd,5 SK Open Mall, Yeolekar Mala, Near BYK Collage, Collage Road,422005 , T-0253 – 6610975,Navsari :- Sharekhan Ltd,1-Nirmal Complex,1st Floor,Station Road,396445 , T-02637 – 652300,New Delhi :- Sharekhan Ltd,39, First Floor, Samyak Tower, Near Metro Pillor No.120, Pusa Road,110005 , T-011-45117000,Noida :- Sharekhan Ltd,P-12A, 3rd Floor, BHS Liberty, Sector-18, 201 301 , T-0120 – 4646200,Panjim :- Sharekhan Ltd,F49/F50, 1st Floor, ‘B’ Block, Alfran Plaza, M.G. Road, Panaji, Goa - 403001 , T-0832- 2421460,Patna :- Sharekhan Ltd,406-407 B,Ashiana Plaza,Budh Marg,800001 , T-0612-2213112-16,Pune :- Sharekhan Ltd,301, Millenium Plaza, 3rd Floor, Opp FergussonCollege main Gate, Fergusson College Road,Shivaji Nagar, Pune-411 004. , T-020 – 66021301,Raipur :- Sharekhan Ltd,2nd Floor, Laxmi Bhawan, opposite sun & sun jewelers, Main Road Sadar Bazaar 492001 , T-0771- 4217777, Sharekhan Ltd,1-Deshbandhu Complex,1st Floor,Ramsagar Para,492001 , T-0771-5033229,Rajkot :- Sharekhan Ltd,102/103,Hem Arcade,Opp Vivekanand Statue,Dr Yagnik Road,360001 , T-0281-2482483,Ranchi :- Sharekhan Ltd,Shree Gopal Complex,4th Floor,Room No I,Court Road,834001 , T-0651-2208205,Salem :- Sharekhan Ltd,Sri Ganesh Tower,561,2nd Floor,Saradha College Main Road,Salem - 636007 , T-0427 – 6454864,Siliguri :- Sharekhan Ltd,2nd Floor, Ganeshayan Building,112,Sevoke Road, Beside Sunflower Shopping Mall, 734001 , T-0353 - 6453475 -79,Surat :- Sharekhan Ltd,M-1 to 6,JollyPlaza, Mezzanine Floor, Athwa Gate,395 001 , T-0261 – 6560310,Trichy :- Sharekhan Ltd,F-1 Achyuta,111-Bharatidasan Salai,Cantonment,Trichy,620001 , T-0431 – 4000705, Trivandrum :- Sharekhan Ltd,Laxmi Bldg.,1st Floor, T.C.No.26/430, Vanrose Road, 695039,(Kerala) , T-0471 – 6450657,Udaipur :- Sharekhan Ltd,17 C Kutumb Apartment, Opp. ICICI Bank,Madhuban, 313001 , T-0294-6454647,Vadodara :- SharekhanLtd,6-8/12,Sakar Complex,1st Floor,Opp ABS Tower,Haribhakti Extension,Old Padra Road,Vadodara-390015 , T-0265 – 2322938,Vijaywada :- Sharekhan Ltd,Centurian Plaza, D. No: 40-1-129, 2nd floor, Old coolex Building, M.G. Road, 520 010 , T-0866-6629993, Vishakhapatnam :- Sharekhan Ltd,10-1-35/B, Third floor, Parvathaneni House, ValTair uplands, CBM Compounds,530003 , T-0891 – 6673000. SMC GLOBAL SECUR T ES L M TED Agra : F- 4, 7,8,9,10,Ground floor,Gold Tower,#50(old # 98),Residency Road,Bangalore7520787708 , no 09739112254 Bhavnagar: NO. 113, Ist Floor, Shopper’s Plaza,Waghavadi Road , Bhavnagar ,Gujarat - 364001380009. Ph no 9427181917; :10-A, Kalapurnam,C G Road ,Near Nagar, Zone-I Bhopal – 462011380003 Ph no 9825612323 Bangalore:; Premises # Block No 35, Surya Kiran Building Near Metro Bar Sanjay Place Agra Ph no – 560025 Ph Ahmedabad: 3rd Floor, Sun City House, Besides Pantaloon, Opp Kotak Bank, MithaKhali Six Road, Ahmedabad - Ph no 9377621422 Bhopal 313, IInd Floor Jyoti Complex M P Municipal Market, Ahmedabad Ph. No.-07828988899 BhubaneswarHOUSE NO.5, JANPATH, UNIT-3,BHUBANESWAR ,ORRISA 751007 Ph no 9338568767 Chennai: 2nd Floor, ‘A’ Mookambika Complex,No.4, Lady Desikachari Road, Mylapore, Chennai – 600004 Dehradun : 7,8,9&10 shiva palace, second floor, rajpur road Dehradun 248001 Ph no 9368572105 Faridabad: 4th Floor Crown Plaza, Main Mathura Road Sec 15 A, FARIDABAD Pin 121002 Ph no 9811890747, Ghaziabad: A-11 HansPlaza, Shop NO. 303,304,305 & 314, 3rd Floor, Ambedkar Road, Ghaziabad U.P.-201001 Ph no 9312675903 Hissar : Mago Securities Ltd 104, SCF Gram, 1st Floor Green Square Market Hissar Ph no 09416023332 Hyderabad/Secund’Bad : 206, 3rd floor Bhuvana Towers, Above CMR Exclusive, S D Road SECUNDERABAD, 500003 Ph no 9347453777 Indore : 206,Gold Arcade 3/1 New Palasia Opp Curewell hospital, Indore, MP Ph no 9826062666 Jaipur : 401, fourth Floor Shyam Anukampa Opp HDFCBANK Ashok Marg C scheme Jaipur Ph no 9929644402 Jammu: 10 -A , North Block,Bahu Plaza,Jammu,180001 Ph no 9419191091 Jamshedpur : K2-L1 TIWARY BECHER COMPLEX,P.O. BISTUPUR ,JAMSHEDPUR 831001 Ph no 9934399678 Jodhpur: 201, Poonam Complex, III-C Road, Sardapura, Jodhpur, Rajasthan 342 003 Ph no 9314712688Kanpur : SPFL House 15/63 Civil Lines Near D A V Degree College Kanpur Ph no 9336836894 , 15/240 - I, CIVIL LINES, KANPUR, 208001 Ph no 9936449444 Kolkata : 18,RABINDRA SARANI PODDER COURT GATE NO 4, 5th FLOOR KOLKATTA -700001 Ph no 09933664479 Kota : 4-a-6 Talwandi Kota Rajasthan Ph no 09829116982 Lucknow: Radha Krishna Bhawan, Plot No. 3/A, 5 Park Road, Lucknow Ph no 9839826932Meerut : C/O KSB CAPITAL SERVICES LTD SHOP NO-1,FIRST FLOOR,HARI LAXMI ROAD,P K ROAD,CROSSING MEERUT Ph no 9837024084, KAVERI COMPLEX, P.L. SHARMA ROAD MEERUT Ph no 9837101412 Mumbai : 258,Perin Nariman Street First Floor Fort mumbai -400001 Ph no 09821111219 New Delhi : 17 , Netaji Subhash Marg, Opp. Golcha Cinema Daryaganj, New Delhi-110 002 Ph no 9818620470 , 6B, First FloorHimalaya House 23, K G Marg Connaught place New Delhi -110 001 Ph no 9958696929, Noida: 106-Ocean Plaza .P-5 SEC-18, NOIDA-201301 Ph no 9717000378 Pune: 1ST Floor, Dealing Chamber, J M Road, Pune, 411004 Ph no 9769345255 Patna: Frontline Financial Consultancy Pvt. Ltd. 209, 2nd Floor, Pandey Mall Above Vishal Mega Mart Fraser Road, PATNA , 800001 Ph no 9798981521 Rajkot : 302/B 3rdFloor, Shivalik - 5 | Makkam Chowk | Gondal Road. Rajkot -360 002 Ph: 8000903984 SPA SECUR T ES L M TED Agra Shop No. 9,10,11, Block No. 17/2/4, Friends WasanGopalbari,, Opp. Vidhayakpuri Police Station409, 4th Floor, Qutab Plaza, DLF126-127-128, Kalinga Towers, BelowAIDBI Hi Chamber, Saran chamber -2, Lane Park Road PinSector-51 B-1Delhi -Sector -PuriNoida Pin :201301. Chandigarh 1stJanak Cinema, Janak Puri- Pin :110058 Ajmerof Maharathra, Chandigarh Pin Market,P.R Marg Pin :305001 Jaipur Prime Plaza,, 26, Plaza, Sanjay Place Pin :282002. Gurgaon Pin :302001. Ludhiana SCO City, Pin :122002; Lucknow S-209, Sky Bank, Feroze Gandhi Market Pin :141001. Noida - :226001 New A/32, Janak 51, 25 C-Block, Community Centre,Near Floor, SCO - 307, Sector 38-D, above bank 3/7, Kotawali Scheme, Khailand:160036. Kanpur Office No 226A-226B, 2nd Floor, City Center, The Mall Pin :208001. Meerut - Abu Plaza J-260, 2nd Floor, Abu Plaza, Abu Lane, Meerut Pin :250001. Varanasi D-58 / 33-B-7, 1st Floor, Krishi Export Plaza, Sigra Pin :221010. Bangalore 703 & 704, 7th Floor, Brigade Tower, 135 Brigade Road Pin :560025. Chennai - T.Nagar D.No.2, 5th Floor, Phase-II, Kasi Arcade, No. 14, Sir Thyagaraya Road, T.Nagar Pin :600017. Hyderabad No.-101, 6-3-1090/A/12, Manbhum Jade Towers, Rajbhavan Road, Fortune Katriya Lane, Somajiguda Pin :500082. Bhubaneswar Badal Niwas, 168-169A, 1st Floor (Above Havels), Bapuji Nagar, Bhubaneswar Pin :751009. Kolkata - Park Street Diamond Chambers, Block 1&2, Room No.8-O, 8th Floor, 4, Chowringhee Lane Pin :700016. Guwahati Mayur Gardens, Ground Floor, Opp. HDFC Bank, G.S. Road Pin:781005. Patna Room No: 301 A, 3rd Floor, Bhuwneshwar Plaza, Budha Marg, Near Buddha Plaza Pin :800001. Jamshedpur302, Shreeji Arcade, 76 B, Pennar Road, Sachi Pin :831001. Siliguri Opp. Sona Petro Pump, 3rd Mile, Sevoke Road, P.O. Salugara, Dist- Jalpaiguri Pin :734008. Ahmedabad 803, Shivalik Building, Near Central Mall, Near Panchwati Cross Road, Ambawadi Pin :380006. Mumbai - Mittal Court 101, 10thFloor,, Mittal Court, A Wing,, Nariman Point Pin :400021. Mumbai - Embassy Center 602, Embassy Centre, Nariman Point Pin :400021. Pune 5, Shankar Smruti, 2nd Floor,, Next to Kaka Halwai, Prabhat Rd Lane no. 9/3,, 39/25 Erandwana, Off Karve Road Pin :411004. Mumbai - Kala Nagar SPA House, Nyaysagar,, Opp. Gurunanak Hospital,, Kalanagar, Off B.K.C, Bandra (E), Pin :400051. SHCIL SERVICES LIMITED Mumbai :- SHCIL Services Limited, SHCIL House, Plot No. P-51, T.T.C. Industrial Area, MIDC, Mahape, Navi Mumbai - 400710, Tel No. + 91 22 61778600 / 22622713, Fax No. + 91 22 6177 8648. SHCIL Services Limited, 12/14, UTI Building, Bank Street, Cross lane, Near Old Custom House, Fort, Mumbai - 400023 MUTHOOT FINANCE LIMITED 3
  • 4. IN THE NATURE OF FORM 2A - MEMORANDUM CONTAINING SALIENT FEATURES OF THE PROSPECTUS GENERAL INSTRUCTIONS Applicants are advised to read the Prospectus and the General Instructions contained in this application Act, the Company, at the request of the Applicants who wish to hold the NCDs post allotment in physical 28. Redemption Date : form carefully and to satisfy themselves of the disclosures before making an application for subscription. form, will fulfill such request through the process of rematerialisation. **The subscription list shall remain Option I NCDs will be redeemed at the expiry of 24 months from the Deemed Date of Allotment. Unless otherwise specified, all the terms used in this form have the same meaning as in the Prospectus. open at the commencement of banking hours and close at the close of banking hours for the period as Option II NCDs will be redeemed at the expiry of 36 months from the Deemed Date of Allotment. For a copy of the Prospectus the applicant may request us and/or the Lead Managers. Further, investors indicated, with an option for early closure or extension by such period, as may be decided by the duly authorised committee of the Board constituted by resolution of the Board dated July 25, 2011. In the event Option III NCDs will be redeemed at the expiry of 60 months from the Deemed Date of Allotment are advised to retain the copy of the Prospectus/Abridged Prospectus for their future reference. Please fill in the Form in English using BLOCK letters. Investors should carefully choose the Option(s) they wish to of such early closure of subscription list of the Issue, our Company shall ensure that notice of such early Option IV NCDs will be redeemed at the expiry of 66 months from the Deemed Date of Allotment. apply for. Please refer to Terms of the Issue in the Prospectus for details. closure is given on or before the day of such early date of closure through advertisement/s in a leading 29. Right to Reissue NCD(s) : Subject to the provisions of the Act, where we have fully redeemed or national daily newspaper. repurchased any NCD(s), we shall have and shall be deemed always to have had the right to keep suchTERMS OF THE ISSUE 15. Interest and Payment of Interest : A. Interest : In case of Option I NCDs, interest would be paid annually NCDs in effect without extinguishment thereof, for the purpose of resale or reissue and in exercising suchThe NCDs being offered as part of the Issue are subject to the provisions of the Debt Regulations, the Act, at the following Coupon Rate in connection with the relevant categories of NCD holders, on the amount right, we shall have and be deemed always to have had the power to resell or reissue such NCDs eitherthe Memorandum and Articles of Association of our Company, the terms of the Prospectus, the Application outstanding from time to time, commencing from the Deemed Date of Allotment of each Option I NCD: by reselling or reissuing the same NCDs or by issuing other NCDs in their place. The aforementioned rightForms, the terms and conditions of the Debenture Trust Agreement and the Debenture Trust Deed, other Category of NCD Holder Coupon Rate (%) per annum includes the right to reissue original NCDs.applicable statutory and/or regulatory requirements including those issued from time to time by SEBI/the 30. Transfer / Transmission of NCD (s) : For details please refer to the Prospectus.Government of India/BSE, RBI, and/or other statutory/regulatory authorities relating to the offer, issue and Category I 13.00 31. Security : The principal amount of the NCDs to be issued in terms of the Prospectus together with alllisting of securities and any other documents that may be executed in connection with the NCDs. Category II 13.00 interest due on the NCDs, as well as all costs, charges, all fees, remuneration of Debenture Trustee and1. Ranking of NCDs : The NCDs would constitute direct and secured obligations of ours and shall rank pari Category III 13.00 expenses payable in respect thereof shall be secured by way of first pari passu charge on the identifiedpassu inter se, and subject to any obligations under applicable statutory and/or regulatory requirements, immovable property and a first pari passu charge on current assets, book debts, loans and advances, andshall also, with regard to the amount invested, be secured by way of a first pari passu charge on the Category IV N/A receivables including gold loan receivables, both present and future of the Company. Our Company willidentified immovable property and first pari passu charge on current assets, book debts, loans and advances, Option I NCDs shall be redeemed at the Face Value thereof along with the interest accrued thereon, if maintain security in favour of the Debenture Trustee for the NCD holders on the assets to ensure 100%and receivables including gold loan receivables, both present and future. The NCDs comprising the any, at the end of 24 months from the Deemed Date of Allotment. In case of Option II NCDs, interest would security cover of the amount outstanding in respect of NCDs at any time. Our Company intends to enterpresent issue and all earlier issues of debentures outstanding in the books of the Company having be paid annually at the following Coupon Rate in connection with the relevant categories of NCD holders, into an agreement with the Debenture Trustee, (‘Debenture Trust Deed’), the terms of which will govern thecorresponding assets as security, shall rank pari passu without preference of one over the other except that on the amount outstanding from time to time, commencing from the Deemed Date of Allotment of each appointment of the Debenture Trustee and the issue of the NCDs. Our Company proposes to completepriority for payment shall be as per applicable date of redemption. Option II NCD: the execution of the Debenture Trust Deed before finalisation of the Basis of Allotment in consultation2. Debenture Redemption Reserve : Section 117C of the Act states that any company that intends to issue Category of NCD Holder Coupon Rate (%) per annum with the Designated Stock Exchange and utilize the funds only after the stipulated security has beendebentures must create a DRR to which adequate amounts shall be credited out of the profits of the Category I 13.25 created. Under the terms of the Debenture Trust Deed, our Company will covenant with the Debenturecompany until the redemption of the debentures. For further details please refer to the Prospectus. Trustee that it will pay the NCD holders the principal amount on the NCDs on the relevant redemption date3. Face Value : The face value of each NCD shall be ` 1,000. Category II 13.25 and also that it will pay the interest due on NCDs on the rate specified in the Prospectus and in the4. NCD holder not a Shareholder : The NCD holders will not be entitled to any of the rights and privileges Category III 13.25 Debenture Trust Deed. The Debenture Trust Deed will also provide that our Company may withdraw anyavailable to the equity and/or preference shareholders of our Company. Category IV 13.25 portion of the security and replace with another asset of the same or a higher value.5. Rights of NCD holders : The final rights of the NCD holders will be as per the terms of the Prospectus 32. Trustees for the NCD holders : We have appointed IDBI Trusteeship Services Limited to act as the Option II NCDs shall be redeemed at the Face Value thereof along with the interest accrued thereon, if Debenture Trustees for the NCD holders. We and the Debenture Trustee will execute a Debenture Trustand the Debenture Trust Deed to be executed between our Company and the Debenture Trustee. For any, at the end of 36 months from the Deemed Date of Allotment. In case of Option III NCDs, interest wouldfurther details please refer to the Prospectus. Deed, inter alia, specifying the powers, authorities and obligations of the Debenture Trustee and us. The be paid annually at the following Coupon Rate in connection with the relevant categories of NCD holders, NCD holder(s) shall, without further act or deed, be deemed to have irrevocably given their consent to the6. Minimum Subscription : If our Company does not receive the minimum subscription of 75% of the Base on the amount outstanding from time to time, commencing from the Deemed Date of Allotment of eachIssue, i.e. ` 1,875 million, prior to allotment, the entire subscription shall be refunded to the applicants Debenture Trustee or any of its agents or authorised officials to do all such acts, deeds, matters and things Option III NCD: in respect of or relating to the NCDs as the Debenture Trustee may in its absolute discretion deemwithin 30 days from the date of closure of the Issue. If there is delay in the refund of subscription by more Category of NCD Holder Coupon Rate (%) per annum necessary or require to be done in the interest of the NCD holder(s). Any payment made by us to thethan 8 days after our Company becomes liable to refund the subscription amount, our Company will pay Debenture Trustee on behalf of the NCD holder(s) shall discharge us pro tanto to the NCD holder(s). Theinterest for the delayed period, at rates prescribed under sub-sections (2) and (2A) of Section 73 of the Category I 13.25 Debenture Trustee will protect the interest of the NCD holders in the event of default by us in regard toCompanies Act, 1956. Category II 13.25 timely payment of interest and repayment of principal and they will take necessary action at our cost.7. Market Lot & Trading Lot : Under Section 68B of the Act, the NCDs shall be allotted only in dematerialized Category III 13.25 33. Lien : The Company shall have the right of set-off and lien, present as well as future on the moneysform. As per the Debt Regulations, the trading of the NCDs shall be in dematerialised form only. Since due and payable to the NCD holder or deposits held in the account of the NCD holder, whether in singletrading of the NCDs is in dematerialised form, the tradable lot is one NCD. Allotment in the Issue will be Category IV 13.25 name or joint name, to the extent of all outstanding dues by the NCD holder to the Company.in electronic form in multiples of one NCD. For further details please refer to the Prospectus. Option III NCDs shall be redeemed at the Face Value thereof along with the interest accrued thereon, if 34. Lien on pledge of NCDs : The Company, at its discretion, may note a lien on pledge of NCDs if such8. Nomination facility to NCD holder : In accordance with Section 109A of the Act, the sole NCD holder any, at the end of 60 months from the Deemed Date of Allotment. Option IV NCDs shall be redeemed pledge of NCD is accepted by any bank/institution for any loan provided to the NCD holder against pledgeor first NCD holder, along with other joint NCD holders (being individual(s)) may nominate any one person at ` 2,000 per NCD, at the end of 66 months from the Deemed Date of Allotment, with an effective yield of such NCDs as part of the funding.(being an individual) who, in the event of death of the sole holder or all the joint-holders, as the case may of 13.43%. For further details please refer to the Prospectus. B. Payment of Interest : For NCDs subscribed 35. Interest on Application Money : Interest on application monies received which are used towards allotmentbe, shall become entitled to the NCD. For further details please refer to the Prospectus. under Option I, Option II and Option III, the relevant interest will be paid on each anniversary of the of NCDs : Our Company shall pay interest on application money on the amount allotted, subject to9. Jurisdiction : Exclusive jurisdiction for the purpose of the Issue is with the competent courts of jurisdiction Deemed Date of Allotment on the face value of NCD. Amount of interest payable shall be rounded off deduction of income tax under the provisions of the Income Tax Act, 1961, as amended, as applicable,in Mumbai, India. to the nearest rupee. If the date of interest payment falls on a Saturday, Sunday or a public holiday in to any applicants to whom NCDs are allotted pursuant to the Issue from the date of realization of the10. Application in the Issue : NCDs being issued through the Prospectus can be applied for in the Mumbai or any other payment centre notified in terms of the Negotiable Instruments Act, 1881, then cheque(s)/demand draft(s) or after 3 (three) days from the date of receipt of the application (being the datedematerialised form only through a valid Application Form filled in by the applicant along with attachment, interest as due and payable on such day, would be paid on the next Working Day. Payment of interest of presentation of each application as acknowledged by the Bankers to the Issue or the date of receipt ofas applicable. would be subject to the deduction as prescribed in the I.T. Act or any statutory modification or re-enactment application by the Registrar to the Issue, as the case may be, or in the case of NRIs, the date of receipt11. Period of Subscription : The subscription list shall remain open at the commencement of banking hours thereof for the time being in force. The last interest payment for NCDs subscribed under Option I, Option by the Registrar or the Bankers to the Issue of the physical application ore-mail containing the scannedand close at the close of banking hours for the period as indicated, with an option for early closure or II, and Option III will be made at the time of redemption of the NCD. Interest for each of the interest periods copy of the application whichever is earlier) whichever is later and upto one day prior to the Deemed Dateextension by such period, as may be decided by the duly authorised committee of the Board constituted shall be calculated, on ‘actual/actual’ basis, on the face value of principal outstanding on the NCDs at of Allotment, at the rate of 13% p.a. Our Company has a right to pre-close the Issue at anytime up to 1by resolution of the Board dated July 25, 2011. In the event of such early closure of subscription list of the the applicable Coupon Rate for each Category rounded off to the nearest Rupee and same shall be paid (one) day prior to Issue Closing Date for receiving subscription in the Issue. Our Company shall in the eventIssue, our Company shall ensure that notice of such early closure is given on or before the day of such early annually. C. Payment of Interest to NCD Holders : Payment of Interest will be made to (i) in case of NCDs of such closing of the Issue, subject to receipt of a minimum subscription of 75% of the Base Issue, i.e.date of closure through advertisement/s in a leading national daily newspaper. in dematerialised form, the persons who for the time being appear in the register of beneficial owners of ` 1,875 million, allot NCDs to all applicants who have applied for NCDs upto the date of such early closure the NCD as per the Depository as on the Record Date and (ii) in case of NCDs in physical form, the persons of Issue. Further our Company shall pay interest on application money on the amount allotted, subject to ISSUE OPENS ON MARCH 02, 2012 whose names appear in the register of debenture holders (or to first holder in case of joint-holders) as on deduction of income tax under the provisions of the Income Tax Act, 1961, as amended, as applicable, the Record Date. We may enter into an arrangement with one or more banks in one or more cities for direct to any applicants to whom NCDs are allotted pursuant to the Issue from the date of realization of the ISSUE CLOSES ON MARCH 17, 2012 cheque(s)/demand draft(s) or after 3 (three) days from the date of receipt of the application (being the date credit of interest to the account of the investors. In such cases, interest, on the interest payment date, would12. Restriction on transfer of NCDs : There are no restrictions on transfers and transmission of NCDs and on be directly credited to the account of those investors who have given their bank mandate. We may offer of presentation of each application as acknowledged by the Bankers to the Issue or the date of receipt oftheir consolidation/ splitting except as may be required under FEMA, RBI requirements, as provided in the facility of NECS, NEFT, RTGS, Direct Credit and any other method permitted by RBI and SEBI from application by the Registrar to the Issue, as the case may be, or in the case of NRIs, the date of receiptour Articles of Association, and other applicable laws. For further details please refer to the Prospectus. time to time to help NCD holders. The terms of this facility (including towns where this facility would be by the Registrar or the Bankers to the Issue of the physical application or e-mail containing the scanned13. Issue and Allotment of NCDs to NRI applicants available) would be as prescribed by RBI. Further details please refer to the Prospectus. Tax exemption copy of the application, whichever is ealier) whichever is later and upto one day prior to the Deemed Date1. We propose to issue Option II, Option III and Option IV NCDs to NRIs on a non-repatriable basis. 2. Our certificate/document, if any, must be lodged at the office of the Registrar at least 7(seven) days prior to of Allotment, at the rate of 13% p.a. However, it is clarified that in the event that our Company does notCompany proposes to offer Option II, Option III and Option IV NCDs to applicants who are NRIs, in the Record Date or as specifically required, failing which tax applicable on interest will be deducted at receive a minimum subscription of 75% of the Base Issue, i.e. ` 1,875 million our Company will not allotaccordance with the provisions of and subject to the restrictions contained in the Foreign Exchange source on accrual thereof in our Company’s books and/or on payment thereof, in accordance with the any NCDs to applicants and refund the subscription amounts forthwith, as set out herein. The interest onManagement (Borrowing and Lending in Rupees) Regulations, 2000 and other applicable statutory and/ provisions of the IT Act and/or any other statutory modification, enactment or notification as the case may application monies will be sent along with the Allotment Advice to all applicants to whom NCDs areor regulatory requirements. We confirm that: (a) the rate of interest on each Option II, Option III, and Option be. A tax deduction certificate will be issued for the amount of tax so deducted. allotted pursuant to the Issue. Our Company may enter into an arrangement with one or more banks inIV NCDs, does not exceed the prime lending rate of the State Bank of India as on the date on which the 16. Maturity and Redemption : For NCDs subscribed under Option I, Option II and Option III, the relevant one or more cities for direct credit of interest to the account of the applicants (NRO accounts for NRI applicants) as mentioned in the depositary records. Alternatively, the interest warrant will be dispatchedresolution approving the Issue was passed by our Board, plus 300 basis points; (b) the period for redemption interest will be paid on each anniversary of the Deemed Date of Allotment on the face value of NCD. The along with the Letter(s) of Allotment at the sole risk of the applicant, to the sole/first applicant.of Option II, Option III, and Option IV NCDs is not less than 36 months; (c) our Company does not and shall last interest payment will be made at the time of redemption of the NCD. Option IV NCDs shall be 36. Interest on application monies received which are liable to be refunded : Our Company shall pay interestnot carry on agricultural /plantation /real estate business/Trading in Transferable Development Rights redeemed at ` 2,000 per NCD, at the end of 66 months from the Deemed Date of Allotment. on application money which is liable to be refunded to the applicants in accordance with the provisions(TDRs) and does not and shall not act as Nidhi or Chit Fund company; (d) our Company will file the Options Maturity period of the Debt Regulations and/or the Companies Act, or other applicable statutory and/or regulatoryfollowing with the nearest office of the RBI, not later than 30 days from the date: (i) of receipt of remittance I 24 months from the Deemed Date of Allotment requirements, subject to deduction of income tax under the provisions of the Income Tax Act, 1961, asof consideration received from NRIs in connection with the Issue, full details of the remittances received, amended, as applicable, from the date of realization of the cheque(s)/demand draft(s) or after 3 (three)namely; (A) a list containing names and addresses of each NRI applicant who have remitted funds for II 36 months from the Deemed Date of Allotment days from the date of receipt of the application (being the date of presentation of each application asinvestment in the NCDs on non-repatriation basis, (B) amount and date of receipt of remittance and its III 60 months from the Deemed Date of Allotment acknowledged by the Bankers to the Issue or the date of receipt of application by the Registrar to the Issue,rupee equivalent; and (C) names and addresses of authorised dealers through whom the remittance has IV 66 months from the Deemed Date of Allotment as the case may be, or in the case of NRIs, the date of receipt by the Registrar or the Bankers to the Issuebeen received; and (ii) of closure of the Issue, full details of the monies received from NRI applicants, of the physical application or e-mail containing the scanned copy of the application, whichever is earlier)namely; (A) a list containing names and addresses of each NRI allottee and number of NCDs issued to 17. Deemed Date of Allotment : Deemed date of allotment shall be the date as decided by the duly whichever is later and upto one day prior to the Deemed Date of Allotment, at the rate of 13%per annum.each of them on non-repatriation basis, and (B) a certificate from our company secretary that all provisions authorised committee of the Board of Directors constituted by resolution of the Board dated July 25, 2011, Such interest shall be paid along with the monies liable to be refunded. Interest warrant will be dispatchedof the FEMA Act, and rules and regulations made thereunder in connection with the issue of non convertible under Section 292(1)(b) of the Act and as mentioned in the Allotment advice / regret. / credited (in case of electronic payment) to the account of the applicants as mentioned in the depositarydebentures have been duly complied with. (e) Allotment of Option II, Option III and Option IV NCDs on 18. Application Size : Each application should be for a minimum of 5NCDs and multiples of 1 NCD records along with the Letter(s) of Refund at the sole risk of the applicant, to the sole/first applicant. In thea non-repatriation basis to NRIs shall be subject to the application monies paid by the NRI being received thereafter. The minimum application size for each application for NCDs would be ` 5,000 and in multiples event our Company does not receive a minimum subscription of 75% of the Base Issue, i.e. ` 1,875 millioneither by remittance from outside India through normal banking channels or by transfer of funds held in of ` 1,000 thereafter. Applicants (other that NRI applicants) can apply for any or all options of NCDs on the date of closure of the Issue, our Company shall pay interest on application money which is liablethe investor’s Non-resident Ordinary (NRO) account or Non-resident External (NRE) account maintained offered hereunder (any/all options) using the same Application Form. NRI applicants can apply only for to be refunded to the applicants in accordance with the provisions of the Debt Regulations and/or thewith an authorised dealer or an authorised bank in India. We further confirm that the monies received from Options II, III and IV. Applications by NRIs must be made in the prescribed Application Form - NRI only. Companies Act, or other applicable statutory and/or regulatory requirements, subject to deduction ofNRIs who are allotted NCDs pursuant to the Issue, will not be utilised for any investment, whether by way Applicants are advised to ensure that applications made by them do not exceed the investment limits or income tax under the provisions of the Income Tax Act, 1961, as amended, as applicable, from the dateof capital or otherwise, in any company or partnership firm or proprietorship concern or any entity, whether maximum number of NCDs that can be held by them under applicable statutory and or regulatory provisions. of realization of the cheque(s)/demand draft(s) or 3 (three) days from the date of receipt of the applicationincorporated or not, or for the purpose of re-lending. For further details please refer to the Prospectus. 19. Terms of Payment : The entire issue price of ` 1,000 per NCD is payable on application itself. In case (being the date of presentation of each application to the Bankers to the Issue as acknowledged or theISSUE STRUCTURE of allotment of lesser number of NCDs than the number of NCDs applied for, our Company shall refund date of receipt of application by the Registrar to the Issue, as the case may be, or in the case of NRIs, the14. Public Issue of NCDs aggregating upto ` 2,500 million with an option to retain over-subscription upto the excess amount paid on application to the applicant in accordance with the terms of the Prospectus. date of receipt by the Registrar or the Bankers to the Issue of the physical application or e-mail containing` 2,500 million for issuance of additional NCDs aggregating to a total of upto ` 5,000 million. The key common For further details please refer to the Prospectus. the scanned copy of the application, whichever is earlier) whichever is later and upto the date of closureterms and conditions of the NCDs are as follows: Particulars, Terms and Conditions - Minimum Application 20. Record Date : The Record Date for payment of interest in connection with the NCDs or repayment of of the Issue at the rate of 13% per annum. Such interest shall be paid along with the monies liable to beSize, ` 5,000 (5 NCDs) (for all options of NCDs, namely Options I, Option II, Option III, and Option IV either principal in connection therewith shall be 15 (fifteen) days prior to the date on which interest is due and refunded. Interest warrant will be dispatched / credited (in case of electronic payment) to the account of payable, and/or the date of redemption. Provided that trading in the NCDs shall remain suspended the applicants (NRO accounts for NRI applicants), as mentioned in the depositary records along with thetaken individually or collectively) Mode of allotment, Compulsorily in dematerialised form* Terms of Payment, Letter(s) of Refund at the sole risk of the applicant, to the sole/first applicant. Provided that, notwithstandingFull amount on application Trading Lot 1 (one) NCD Who can Apply Category I •Public Financial Institutions, between the aforementioned Record Date in connection with redemption of NCDs and the date of redemption or as prescribed by the relevant stock exchange(s), as the case may be. anything contained hereinabove, our Company shall not be liable to pay any interest on monies liableStatutory Corporations, Commercial Banks, Co-operative Banks and Regional Rural Banks, which are to be refunded in case of (a) invalid applications or applications liable to be rejected, and/or (b) applicationsauthorised to invest in the NCDs;• Provident Funds, Pension Funds, Superannuation Funds and Gratuity 21. Manner of Payment of Interest / Refund / Redemption : The manner of payment of interest / refund / redemption in connection with the NCDs is set out below: For NCDs applied / held in electronic form : The which are withdrawn by the applicant, and/or (c) monies paid in excess of the amount of NCDs appliedFund, which are authorised to invest in the NCDs; • Venture Capital funds registered with SEBI;• Insurance for in the Application Form. For further details please refer to the Prospectus.Companies registered with the IRDA; • National Investment Fund; and • Mutual Funds Category II • bank details will be obtained from the Depositories for payment of Interest / refund / redemption as the case may be. Applicants who have applied for or are holding the NCDs in electronic form, are advised to ISSUE PROCEDURECompanies; bodies corporate and societies registered under the applicable laws in India and authorised 37. How to Apply? - i. Availability of Prospectus and Application Forms : The abridged Prospectus containingto invest in the NCDs; • Public/private charitable/religious trusts which are authorised to invest in the immediately update their bank account details as appearing on the records of the depository participant. the salient features of the Prospectus together with Application Forms and copies of the Prospectus mayNCDs; • Scientific and/or industrial research organisations, which are authorised to invest in the NCDs; Please note that failure to do so could result in delays in credit of refunds to the applicant at the applicant’s be obtained from our Registered Office, Lead Manager(s) to the Issue, and the Registrar to the Issue, as• Partnership firms in the name of the partners;• Limited liability partnerships formed and registered under sole risk, and neither the Lead Managers our Company nor the Registrar to the Issue shall have any mentioned on the Application Form. In addition, Application Forms would also be made available to thethe provisions of the Limited Liability Partnership Act, 2008 (No. 6 of 2009); and • Resident Indian responsibility and undertake any liability for the same. For NCDs held in physical form : The bank details BSE where listing of the NCDs are sought and to brokers, on their request. We may provide Applicationindividuals and Hindu Undivided Families through the Karta applying for NCDs aggregating to a value will be obtained from the Registrar to the Issue for payment of interest / refund / redemption as the case Forms for being filled and downloaded at such websites as we may deem fit. ii. Who can Apply : Theexceeding ` 500,000, across all series of NCDs, (Option I and/or Option II and/or Option III and/or Option may be. For applicants in Category IV, the bank details provided must be of an NRO account of such following categories of persons are eligible to apply in the Issue: Category I • Public Financial Institutions,IV)Category III • Resident Indian individuals and Hindu Undivided Families through the Karta applying for applicants for payment of interest / refund / redemption. The mode of interest/refund/redemption payments Statutory Corporations, Commercial Banks, Co-operative Banks and Regional Rural Banks, which areNCDs aggregating to a value not more than ` 500,000, across all series of NCDs (Option I and/or Option shall be under taken in the order of preference mentioned in the Prospectus. authorised to invest in the NCDs; • Provident Funds, Pension Funds, Superannuation Funds and GratuityII and/or Option III and/or Option IV).Category IV • NRIs – on a non-repatriation basis only** 22. Printing of Bank Particulars on Interest Warrants : As a matter of precaution against possible fraudulent Fund, which are authorised to invest in the NCDs; • Venture Capital funds registered with SEBI; • Insurance* In terms of Regulation 4(2)(d) of the SEBI Debt Regulations, the Company will make public issue of encashment of refund orders and interest/redemption warrants due to loss or misplacement, the particulars Companies registered with the IRDA; • National Investment Fund; and • Mutual Funds. Category II •NCDs in the dematerialised form. However, in terms of Section 8 (1) of the Depositories Act, the Company, of the applicant’s bank account are mandatorily required to be given for printing on the orders/ warrants. Companies; bodies corporate and societies registered under the applicable laws in India and authorisedat the request of the Applicants who wish to hold the NCDs post allotment in physical form, will fulfill such In relation to NCDs applied and held in dematerialized form, these particulars would be taken directly from to invest in the NCDs; • Public/private charitable/religious trusts which are authorised to invest in therequest through the process of rematerialisation. ** An NRI can only apply under Category IV, for Option the depositories. In case of NCDs held in physical form either on account of rematerialisation or transfer, NCDs; • Scientific and/or industrial research organisations, which are authorised to invest in the NCDs;II, Option III and Option IV NCDs offered in the Issue subject to the conditions and restrictions contained the investors are advised to submit their bank account details (NRO bank account details in the case of • Partnership firms in the name of the partners; • Limited Liability Partnerships formed and registeredin the FEMA(Borrowing or Lending in Rupees) Regulations, 2000, and other applicable statutory and/or NRIs) with our Company / Registrar at least 7 (seven) days prior to the Record Date failing which the orders under the provisions of the Limited Liability Partnership Act, 2008 (No. 6 of 2009); and • Resident Indianregulatory requirements. / warrants will be dispatched to the postal address of the holder of the NCD as available in the records individuals and Hindu Undivided Families through the Karta applying for NCDs aggregating to a valueParticipation by any of the above-mentioned investor classes in this Issue will be subject to applicable statutory of our Company. Bank account particulars (NRO bank account particulars in the case of NRIs) will be exceeding ` 500,000, across all series of NCDs, (Option I and/or Option II and/or Option III and/or Optionand/or regulatory requirements. Applicants are advised to ensure that applications made by them do not exceed printed on the orders/ warrants which can then be deposited only in the account specified. IV). Category III • Resident Indian individuals and Hindu Undivided Families through the Karta applying 23. Loan against NCDs : Our Company, at its sole discretion, subject to applicable statutory and/or regulatory for NCDs aggregating to a value not more than ` 500,000 across all series of NCDs, (Option I and/orthe investment limits or maximum number of NCDs that can be held by them under applicable statutory and/ Option II and/or Option III and/or Option IV). Category IV • NRIs – on a non-repatriation basis only.*or regulatory provisions. In case of Application Form being submitted in joint names, the applicants should requirements, may consider granting of a loan facility to the holders of NCDs against the security of such NCDs. Such loans shall be subject to the terms and conditions as may be decided by our Company from * An NRI can apply for Option II, Option III and Option IV NCDs offered in the Issue, subject to theensure that the de-mat account is also held in the same joint names, and the names are in the same conditions and restrictions contained in the FEMA(Borrowing or Lending in Rupees) Regulations, 2000,sequence in which they appear in the Application Form. Applicants are advised to ensure that they have time to time. 24. Buy Back of NCDs : Our Company may, at its sole discretion, from time to time, consider, subject to and other applicable statutory and/or regulatory requirements.obtained the necessary statutory and/or regulatory permissions/consents/approvals in connection with applying Participation of any of the aforementioned categories of persons or entities is subject to the applicablefor, subscribing to, or seeking allotment of NCDs pursuant to the Issue. For further details please refer to the applicable statutory and/or regulatory requirements, buyback of NCDs, upon such terms and conditions as may be decided by our Company. statutory and/or regulatory requirements in connection with the subscription to Indian securities by suchProspectus. categories of persons or entities. Applicants are advised to ensure that applications made by them do notTERMS AND CONDITIONS IN CONNECTION WITH THE NCDs 25. Form and Denomination : In case of NCDs held in physical form, a single certificate will be issued to exceed the investment limits or maximum number of NCDs that can be held by them under applicable statutory15. Common Terms of NCDs : Stock Exchange proposed for listing of the NCDs : BSE, Issuance and Trading the NCD holder for the aggregate amount (“Consolidated Certificate”) for each type of NCDs. The applicant and or regulatory provisions. Applicants are advised to ensure that they have obtained the necessary statutory: Compulsorily in dematerialised form*, Trading Lot : 1 (one) NCD, Depositories : NSDL and CDSL, Security can also request for the issue of NCD certificates in denomination of one NCD (“Market Lot”). For further and/or regulatory permissions/consents/approvals in connection with applying for, subscribing to, or seeking: Security for the purpose of this Issue will be created in accordance with the terms of the Debenture Trust details please refer to the Prospectus. allotment of NCDs pursuant to the Issue. The Lead Managers and their respective associates and affiliatesDeed. For further details please refer to the Prospectus. Issue Schedule** : The Issue shall be open from 26. Procedure for Redemption by NCD holders : The procedure for redemption is set out below: NCDs held are permitted to subscribe in the Issue. The information below is given for the benefit of the investors. OurMarch 02, 2012 to March 17, 2012 with an option to close earlier and/or extend upto a period as may be in physical form: For details please refer to the Prospectus. NCDs held in electronic form: No action is Company, the Lead Managers are not liable for any amendment or modification or changes in applicabledetermined by a duly authorised committee of the Board constituted by resolution of the Board dated required on the part of NCD holder(s) at the time of redemption of NCDs. laws or regulations, which may occur after the date of the Prospectus. Investors are advised to ensure thatJuly 25, 2011. Pay-in date : 3 (Three) business days from the date of reciept of application or the date of 27. Payment on Redemption : The manner of payment of redemption is set out below: NCDs held in physical the aggregate number of NCDs applied for does not exceed the investment limits or maximum numberrealisation of the cheques/demand drafts, whichever is later. Deemed Date of Allotment : Deemed date of form: The payment on redemption of the NCDs will be made by way of cheque/pay order/ electronic of NCDs that can be held by them under applicable law.allotment shall be the date as decided by the duly authorised committee of the Board constituted by modes. For further details please refer to the Prospectus. NCDs held in electronic form: On the redemption 38. Applications by Mutual Funds, Scheduled Banks, Co-operative Banks and Regional Rural Banks, Insuranceresolution of the Board dated July 25, 2011, and as mentioned on the Allotment Advice / regret. Day count date, redemption proceeds would be paid by cheque /pay order / electronic mode to those NCD holders Companies, Trusts : For details please refer to the Prospectus.basis : Actual/Actual. *In terms of Regulation 4(2)(d) of the SEBI Debt Regulations, the Company will whose names appear on the list of beneficial owners given by the Depositories to us. For further details Applications by NRIs : We propose to issue Option II, Option III and Option IV NCDs to NRIs on a non-make public issue of NCDs in the dematerialised form. However, in terms of Section 8 (1) of the Depositories please refer to the Prospectus. repatriable basis. An NRI can apply for Option II, Option III and Option IV NCDs offered in the Issue on non repatriation basis subject to the conditions and restrictions contained in the FEMA(Borrowing or 4 MUTHOOT FINANCE LIMITED
  • 5. IN THE NATURE OF FORM 2A - MEMORANDUM CONTAINING SALIENT FEATURES OF THE PROSPECTUSLending in Rupees) Regulations, 2000, and other applicable statutory and/or regulatory requirements. same once sent to the address obtained from the Depositories are returned undelivered. In such an event, number of NCDs, which are not in multiples of one; • Category not ticked; • Application under power ofOption I NCD shall not be available to NRIs. Allotment of NCDs on a non-repatriation basis to NRIs shall the address and other details given by the applicant in the Application Form would be used only to ensure attorney by limited companies, corporate, trust etc., where relevant documents are not submitted; •be subject to the application monies paid by the NRI being received by inward remittance of freely dispatch of refund orders. Please note that any such delay shall be at the applicant’s sole risk and neither Application Form does not have applicant’s depository account details; • Applications accompanied byconvertible foreign exchange through normal banking channels, i.e. through electronic transfer of funds, we nor the Lead Managers or the Registrar shall be liable to compensate the applicant for any losses Stock invest/money order/postal order; • Signature of sole and/ or joint applicant(s) missing; • Applicationor a rupee denominated demand draft/cheque drawn on a bank in India from Non-resident Ordinary (NRO) caused to the applicant due to any such delay or liable to pay any interest for such delay. However in case Forms not delivered by the applicant within the time prescribed as per the Application Form and theaccount or Non-resident External (NRE) account, or by electronic transfer of funds held in the investor’s of applications made under power of attorney, our Company in its absolute discretion, reserves the right Prospectus and as per the instructions in the Prospectus and the Application Form; • In case the subscriptionrupee denominated accounts i.e. Non-resident Ordinary (NRO) account or Non-resident External (NRE) to permit the holder of Power of Attorney to request the Registrar that for the purpose of printing particulars amount is paid in cash; • In case of Category IV applications, if the money is received from NRO accountaccount maintained with an authorised dealer or an authorised bank in India. Monies received from NRIs on the refund order and mailing of Refund Orders /Allotment Advice, the demographic details obtained and the account number (in case of application in physical form) mentioned in the application form is ashall be collected in the Special Account. In case of bids by NRIs, payment by inward remittance of freely from the Depository of the applicant shall be used. In case no corresponding record is available with the repatriable account or the status of the demat account is repatriable; • In case no corresponding record isconvertible foreign exchange should be accompanied by a certificate confirming the source of funds, and Depositories that matches all three parameters, namely, names of the applicants (including the order of available with the Depositories that matches three parameters namely, names of the applicant, thea declaration from the applicant that extant FEMA regulations have been complied with. Payment from names of joint holders), the Depository Participant’s identity (DP ID) and the beneficiary’s identity, then Depository Participant’s Identity and the beneficiary’s account number; • Application Form accompaniedNRO accounts by demand drafts or electronic transfer of funds should be accompanied by a bank certificate such applications are liable to be rejected. D. Applicant’s Bank Account Details : It is mandatory for all the with more than one cheque; • Category I applications not procured by the Lead Managers or their respectiveconfirming that the draft has been issued/electronic transfer has been effected by debiting an NRO applicants to have their NCDs allotted in dematerialised form. The applicant should note that on the basis affiliates; • Category IV applications being submitted for subscription to only Option I NCDs; or • CategoryAccount. In case of payment from an NRE account, such payment should be accompanied by a bank of the name of the applicant, Depository Participant’s (DP) name, Depository Participants identification IV applications being submitted in physical form at collection centres other than the centres designatedcertificate confirming that the payment has been made by debiting an NRE Account, and bank statements number and beneficiary account number provided by them in the Application Form, the Registrar to the for submitting the application forms by NRI applicants applying in physical form. For further instructionsof the applicant for a period of one year indicating the source of the funds in the NRE Account. Failing Issue will obtain from the applicant’s DP account, the applicant’s bank account details. The investors are regarding application for the NCDs, investors are requested to read the Application Form.this, our Company reserves the right to accept or reject any application made by an NRI in whole or in part, advised to ensure that bank account details are updated in their respective DP Accounts as these bank 48. Allotment Advice / Refund Orders : The un utilised portion of the application money will be refundedin either case, without assigning any reason therefor. iii. Applications cannot be made by: (a) Minors without account details would be used for making payment of Interest on Application Money, Interest on Refund, to the applicant by an A/c Payee cheque/demand draft. In case the at par facility is not available, oura guardian name (a guardian may apply on behalf of a minor. However, the guardian name will need to interest on NCDs at the respective Coupon Rates, principal amount on redemption and shall also be Company reserves the right to adopt any other suitable mode of payment. The Company shall credit thebe mentioned on the application form); (b) Foreign nationals; (c) Persons resident outside India other than printed on the refund order(s), if any. Please note that failure to do so could result in delays in credit of allotted NCDs to the respective beneficiary accounts/despatch the Letter(s) of Allotment or Letter(s) ofNRIs on a non-repatriation basis; (d) Foreign Institutional Investors; (e) Non Resident Indians other than refunds interest or principal to applicants at the applicant’s sole risk and neither the Lead Managers, our Regret/Refund Orders by Registered Post/Speed Post at the applicant’s sole risk, within 30 days from theon a non-repatriation basis; and (f) Overseas Corporate Bodies Company, the Refund Banker, nor the Registrar to the Issue shall have any responsibility and undertake date of closure of the Issue. We may enter into an arrangement with one or more banks in one or more39. Escrow Mechanism : We shall open Escrow Accounts with one or more Escrow Collection Bank(s) in any liability for the same. E. Applications under Power of Attorney by limited companies, corporate bodies, cities for refund to the account of the applicants through Direct Credit/RTGS/NEFT. Further, (a) Allotmentwhose favour the applicants shall make out the cheque or demand draft in respect of their application. registered societies etc. : In case of Applications made pursuant to a power of attorney by limited companies, of NCDs offered to the public shall be made within a time period of 30 days from the date of closure ofCheques or demand drafts for the application amount received from applicants would be deposited in the corporate bodies, registered societies etc, a certified copy of the power of attorney or the relevant resolution the Issue; (b) Credit to de-mat account will be given within 2 working days from the Date of Allotment; (c)respective Escrow Account. Upon creation of security as disclosed in the Prospectus, the Escrow Collection or authority, as the case may be, along with a certified copy of the Memorandum of Association and Articles Interest at a rate of 15% per cent per annum will be paid if the allotment has not been made and/or theBank(s) shall transfer the monies from the Escrow Accounts to a separate bank account as per the terms of Association and/or bye laws must be lodged along with the Application Form, failing this, our Company Refund Orders have not been dispatched to the applicants within 30 days from the date of the closure ofof the Escrow Agreement, (“Public Issue Account”). Payments of refund to the applicants shall also be reserves the right to accept or reject any Application in whole or in part, in either case, without assigning the Issue, for the delay beyond 30 days; and (d) The Company will provide adequate funds to the Registrarsmade from the Escrow Accounts/refund account(s) as per the terms of the Escrow Agreement and the any reason therefor. F. Permanent Account Number : The applicant or in the case of applications made in to the Issue, for this purpose.Prospectus. Under the provisions of the Foreign Exchange Management (Borrowing and Lending in joint names, each of the applicant, should mention his or her Permanent Account Number (PAN) allotted 49. Retention of oversubscription : The Company is making a public Issue of NCDs aggregating uptoRupees) Regulations, 2000, any monies borrowed from a person resident outside India cannot be used: under the IT Act. In accordance with Circular No. MRD/DOP/Cir-05/2007 dated April 27, 2007 issued by ` 2,500 million with an option to retain oversubscription of NCDs up to ` 2,500 million.(a) for any purpose except in ones own business other than (i) the business of chit fund, (ii) as Nidhi SEBI, the PAN would be the sole identification number for the participants transacting in the securities 50. Basis of Allotment : Basis of Allotment for NCDs : (a) Allotments in the first instance: (i) During the IssueCompany, (iii) agricultural or plantation activities or real estate business; or construction of farm houses; market, irrespective of the amount of transaction. Any Application Form, without the PAN is liable to be Period, for each category, all applications received on the same day by the Bankers to the Issue would beor (iv) trading in Transferable Development Rights (TDRs); or (b) for any investment, whether by way of rejected, irrespective of the amount of transaction. It is to be specifically noted that the applicants should treated at par with each other. (ii) Applicants (other than applicants under Category IV) will be allocatedcapital or otherwise, in any company or partnership firm or proprietorship concern or any entity, whether not submit the GIR number instead of the PAN as the Application is liable to be rejected on this ground. NCDs on first come first serve basis (determined on the basis of date of receipt of each application dulyincorporated or not, or for the purpose of re-lending. Accordingly, our Company shall open and maintain G. Terms of Payment : The entire issue price for the NCDs is payable on application only. In case of acknowledged by the Bankers to the Issue or date of receipt of each application by the Registrar, as thea separate account with the Escrow Collection Bank(s) in connection with all application monies received allotment of lesser number of NCDs than the number applied, our Company shall refund the excess case may be). Category IV applicants will be allocated NCDs on first come first serve basis (determinedfrom NRIs, (“Special Account”). All application monies received from NRI applicants shall be deposited in amount paid on application to the applicant. H. Payment Instructions for Applicants : • In pursuance of Debt on the basis of date of receipt of each Application either physically or by email, whichever is earlier, bythe Special Account maintained with any of the Bankers to the Issue. Upon creation of security as disclosed Regulations, we shall open Escrow Account and Special Account with the Escrow Collection Banks(s) for the Bankers to the Issue or the Registrar); (iii) Applicants belonging to Category I will be allocated up toin the Prospectus, the Escrow Collection Bank(s) shall transfer the monies from the Special Account to a the collection of the application money payable upon submission of the Application Form. • Payment may 15% of the Issue size, applicants belonging to Category II will be allocated NCDs upto 20% of Issue size,separate bank account, (“NRI Account”), which shall be different from the Public Issue Account. Our be made by way of cheque/bank draft drawn on any bank, including a co-operative bank which is situated applicants belonging to Category III will be allocated NCDs upto 50% of Issue size, and applicantsCompany shall at all times ensure that any monies kept in the Special Account and/or the NRI Account at and is member or sub-member of the Bankers’ clearing-house located at the place where the Application belonging to Category IV, will be allocated NCDs upto 15% of Issue size on first come first serve basis (determined on the basis of date of receipt of each application duly acknowledged by the Bankers to theshall not be used for on-lending and be utilised only in accordance with and subject to the restrictions Form is submitted, i.e. at designated collection centres. Outstation cheques /bank drafts drawn on banks Issue); and (iv) All applications in a particular category shall be clubbed together. Allotments, in consultationcontained in the Foreign Exchange Management (Borrowing and Lending in Rupee) Regulations, 2000, not participating in the clearing process will not be accepted and applications accompanied by such with the Designated Stock Exchange, shall be made on a first-come first-serve basis, based on the dateand other applicable statutory and/or regulatory requirements. The Escrow Collection Bank(s) will act in cheques or bank drafts are liable to be rejected. Payment though stock invest would also not be allowed of presentation of each application to the Bankers to the Issue, in each Category subject to the allocationterms of the Prospectus and the Escrow Agreement. The Escrow Collection Bank(s) shall not exercise any as the same has been discontinued by the RBI vide notification No. DBOD.NO.FSC.BC. 42/24.47.001/ ratio indicated at 14(a)(iii) above. (b) Under Subscription: If there is any under subscription in any category,lien whatsoever over the monies deposited therein. In terms of Debt Regulations, it is mandatory for our 2003-04 dated November 5, 2003. Cash/Stock invest/Money Orders/Postal Orders will not be accepted. priority in allotments will be given to the Category III, and balance, if any, shall be first made to applicantsCompany to keep the proceeds of the Issue in an escrow account until the documents for creation of security In case payment is effected in contravention of conditions mentioned herein, the application is liable to of Category II, followed by Category I and thereafter Category IV on a first come first serve basis, onas stated in the Prospectus are executed. be rejected and application money will be refunded and no interest will be paid thereon. A separate proportionate basis. However, the value of NCDs allotted to Category IV will be limited to ` 2000.00 million.40. Filing of the Prospectus with ROC : A copy of the Prospectus has been filed with the Registrar of cheque / bank draft must accompany each Application Form. • All Application Forms received with outstation (c) For each Category, all applications received on the same day by the Bankers to the Issue would beCompanies, Kerala and Lakshadweep, in terms of section 56 and section 60 of the Act. cheques, post dated cheques, cheques / bank drafts drawn on banks not participating in the clearing treated at par with each other. (d) Minimum allotments of 1 NCD and in multiples of 1 NCD thereafter41. Pre-Issue Advertisement : Our Company will issue a statutory advertisement on or before the Issue process, Money orders/postal orders, cash, stock invest shall be rejected and the collecting bank shall not would be made in case of each valid application to all applicants. (e) Allotments in case of oversubscription:Opening Date. This advertisement will contain the information as prescribed under Debt Regulations. be responsible for such rejections. • All cheques / bank drafts accompanying the application should be In case of an oversubscription, allotments to the maximum extent, as possible, will be made on a first-comeMaterial updates, if any, between the date of filing of the Prospectus with ROC and the date of release crossed “A/c Payee only” and (a) all cheques / bank drafts accompanying the applications made by eligible first-serve basis and thereafter on proportionate basis, in each category, i.e. full allotment of NCDs to theof this statutory advertisement will be included in the statutory advertisement. applicants must be made payable to “Escrow Account Muthoot Finance NCD Public Issue” for applicants applicants on a first come first basis up to the date falling 1 (one) day prior to the date of oversubscription42. General Instructions : Do’s • Check if you are eligible to apply; • Read all the instructions carefully and who are not NRIs and to “Special Account Muthoot Finance NCD Public Issue” for NRI applicants. • The in the respective category, and Proportionate Allotment of NCDs to the applicants on the date ofcomplete the Application Form; • Ensure that the details about Depository Participant and Beneficiary Escrow Collection Bank(s) shall transfer the funds from the Escrow Account, as per the terms of the Escrow oversubscription in the respective category (based on the date of presentation of each application to theAccount are correct as allotment of NCDs will be in the dematerialized form only; • Ensure that you mention Agreement, into a public issue account after the creation of security as disclosed in the Prospectus. Bankers to the Issue, in each Category). (f) Proportionate Allotments : For each Category, on the date ofyour PAN allotted under the IT Act; • Ensure that the Demographic Details (as defined herein below) are 44. Submission of Completed Application Forms : • All applications duly completed and accompanied by oversubscription: (i) Allotments to the applicants shall be made in proportion to their respective applicationupdated, true and correct in all respects; and • Ensure that you have obtained all necessary approvals from account payee cheques / drafts shall be submitted at the branches of the Bankers to the Issue (listed in size, rounded off to the nearest integer. (ii) If the process of rounding off to the nearest integer results inthe relevant statutory and/or regulatory authorities to apply for, subscribe to and/or seek allotment of NCDs the Application Form) or our Collection Centre(s)/ agent(s) as may be specified by us before the closure the actual allocation of NCDs being higher than the Issue size, not all applicants will be allotted thepursuant to the Issue; • In case of an HUF applying through its Karta, the Applicant is required to specify of the Issue. The Application Form– NRI, duly completed, may also be scanned and emailed to the number of NCDs arrived at after such rounding off. Rather, each applicant whose allotment size, prior tothe name of an Applicant in the Application Form as ‘XYZ Hindu Undivided Family applying through Registrar or the Bankers to the Issue at the email addresses indicated in the Application Form – NRI. Our rounding off, had the highest decimal point would be given preference. (iii) In the event, there are morePQR’, where PQR is the name of the Karta; • Ensure that the Applications are submitted to the Bankers collection centre/ agent however, will not accept payments made in cash. However, Application Forms than one applicant whose entitlement remain equal after the manner of distribution referred to above, ourto the Issue before the closure of banking hours on the Issue Closing Date. Don’ts : • Do not apply for lower duly completed together with cheque/bank draft drawn on/payable at a local bank in Mumbai for the Company will ensure that the basis of allotment is finalised by draw of lots in afair and equitable manner.than the minimum application size; • Do not pay the application amount in cash; • Do not fill up the amount payable on application may also be sent by Registered Post to the Registrar to the Issue, so as (g) Applicant applying for more than one series of NCDs: If an applicant has applied for more than oneApplication Form such that the NCDs applied for exceeds the issue size and/or investment limit or to reach the Registrar prior to closure of the Issue. Applicants at centres not covered by the branches of series of NCDs, (Option I and/or Option II and/or Option III and/or Option IV, individually referred to asmaximum number of NCDs that can be held under the applicable laws or regulations or maximum amount collecting banks can send their Application Forms together with cheque / draft drawn on / payable at a local “Series”), and in case such applicant is entitled to allocation of only a part of the aggregate number of NCDspermissible under the applicable regulations; and • Do not submit application accompanied with Stock bank in Mumbai to the Registrar to the Issue by registered post. For the purposes of the basis of allotment, applied for, the Series-wise allocation of NCDs to such applicants shall be in proportion to the numberinvest. the date on which the cheque is received by the Registrar or the Bankers to the Issue pursuant to an of NCDs with respect to each Series, applied for by such applicant, subject to rounding off to the nearest43. Instructions for completing the Application Form : A. Submission of Application Form - R • Applications Application, shall be deemed to be the date on which the Application was made. In the case of NRIs, the integer, as appropriate in consultation with Lead Managers, and Designated Stock Exchange. All decisionsby resident Indians must be made in prescribed Application Form – R only. • The forms to be completed date of receipt of application by the Registrar or the Bankers to the Issue through e-mail or physical copy, pertaining to the basis of allotment of NCDs pursuant to the Issue shall be taken by our Company inin block letters in English. • Applications should be in single or joint names and should be applied by Karta whichever is earlier, shall be deemed to be the date on which the Application was made. All completed consultation with the Lead Managers, and the Designated Stock Exchange and in compliance with thein case of HUF. • Thumb impressions and signatures other than in English/Hindi/Gujarati/Marathi or any Application Forms must reach any of the Bankers to the Issue or the Registrar, as the case may be, at the aforementioned provisions of the Prospectus. Our Company would allot Option I NCDs to all validother languages specified in the 8th Schedule of the Constitution needs to be attested by a Magistrate earlier of (a) the date on which the Issue is oversubscribed, and (b) the Issue Closing Date, to be considered applications, wherein the applicants (other than applicants under Category IV) have not indicated theiror Notary Public or a Special Executive Magistrate under his/her seal. • All Application Forms duly for allocation. • No separate receipts shall be issued for the application money. However, Bankers to the choice of Option. Our Company would allot Option II NCDs to all valid applications by NRIs, wherein NRIcompleted together with cheque/bank draft or RTGS transfers (applicable only for Category I applicants) Issue at their designated branches/our Collection Centre(s)/ agent(s) receiving the duly completed applicants have not indicated their choice of Option.for the amount payable on application must be delivered before the closing of the subscription list to any Application Forms will acknowledge the receipt of the applications by stamping and returning the 51. Investor Withdrawals and Pre-closure : Investor Withdrawal : Applicants are allowed to withdraw theirof the Bankers to the Issue or collection centre(s)/ agent(s) as may be specified before the closure of the acknowledgment slip to the applicant. • Applications shall be deemed to have been received by us only applications at any time prior to the closure of the Issue. Pre-closure : Our Company, in consultation withIssue. Applicants at centres not covered by the branches of collecting banks can send their forms together when submitted to Bankers to the Issue at their designated branches or at our Collection Centre/ agent the Lead Managers re serve the right to close the Issue at any time prior to the Closing Date, subject towith a cheque/draft drawn on/payable at a local bank in Mumbai to the Registrar to the Issue by registered or on receipt by the Registrar as detailed above and not otherwise. • All applications by persons or entities receipt of minimum subscription for NCDs aggregating to 75% of the Base Issue. Our Company shall allotpost. For the purposes of the basis of allotment, the date on which the cheque is received by the Registrar belonging to Category I shall be received only by the Lead Managers and their respective affiliates. • Only NCDs with respect to the applications received at the time of such pre-closure in accordance with the Basisor a Banker to the Issue, as the case maybe pursuant to an Application, shall be deemed to be the date Category I applicants and Category IV applicants shall have an option to make payments on applications of Allotment as described hereinabove and subject to applicable statutory and/or regulatory requirements.on which the Application was made. • No receipt will be issued for the application money. However, through electronic mode. 52. Utilisation of Application Money : The sum received in respect of the Issue will be kept in separate bankBankers to the Issue and/or their branches receiving the applications will acknowledge the same. • Every 45. On-line Applications : We may decide to offer online application facility for NCDs, as and when it is accounts and we will have access to such funds as per applicable provisions of law(s), regulations andapplicant should hold valid Permanent Account Number (PAN) and mention the same in the Application permitted by law subject to terms and conditions as may be prescribed. approvals. Our Company shall at all times ensure that any monies kept in the Special Account shall beForm; and • All applicants are required to tick the relevant column of “Category of Investor” in the Application 46. Other Instructions : A. Joint Applications : Applications may be made in single or joint names (not utilised only in accordance with the FEMA (Borrowing and Lending in Rupees) Regulations, 2000 andForm. B. Submission of Application Form - NRI : • Applications by NRIs must be made in the prescribed exceeding three). In the case of joint applications, all payments will be made out in favour of the first other applicable statutory and/or regulatory requirements.Application Form - NRI only. • The Application Forms - NRI to be completed in block letters in English. applicant. All communications will be addressed to the first named applicant whose name appears in the 53. Utilisation of Issue Proceeds : (a) All monies received pursuant to the Issue of NCDs to public shall be• Applications should be in single or joint names. • Application Forms – NRI duly completed must be Application Form and at the address mentioned therein. B. Additional / Multiple Applications : An applicant transferred to a separate bank account other than the bank account referred to in sub-section (3) of sectiondelivered to the Registrar or Bankers to the Issue either by post or scanned and e-mailed to the Registrar is allowed to make one or more applications for the NCDs for the same or other series of NCDs, subject 73 of the Act. (b) Details of all monies utilised out of Issue referred to in sub-item (a) shall be disclosedor Bankers to the Issue before the closing of the subscription list, and the application money should be to a minimum application size of ` 5,000 and in multiples of ` 1,000 thereafter, for each application. Any under an appropriate separate head in our Balance Sheet indicating the purpose for which such moniestransferred electronically or by depositing cheque/bank draft for the amount payable on application to the application for an amount below the aforesaid minimum application size will be deemed as an invalid had been utilised; and (c) Details of all unutilised monies out of issue of NCDs, if any, referred to in sub-credit of the Special Account maintained with any of the Bankers to the Issue. For the purposes of the basis application and shall be rejected. However, multiple applications by the same applicant belonging to item (a) shall be disclosed under an appropriate separate head in our Balance Sheet indicating the formof allotment, the date on which the Application is presented to and acknowledged by the Bankers to the Category III aggregating to a value exceeding ` 500,000 shall be grouped in Category II, for the purpose in which such unutilised monies have been invested. (d) We shall utilize the Issue proceeds only uponIssue or the date of receipt of the application by the Registrar through post, as the case may be, or in the of determining the basis of allotment to such applicant. However, any application made by any person in creation of security as stated in the Prospectus, receipt of the listing and trading approval from BSE andcase of NRIs, the date of receipt of application by the Registrar or Bankers to the Issue through email or his individual capacity and an application made by such person in his capacity as a karta of a Hindu on receipt of the minimum subscription of 75% of the Base Issue. (e) We shall open and maintain aphysical copy, whichever is earlier, shall be deemed to be the date on which the Application was made. Undivided family and/or as joint applicant (second or third applicant), shall not be deemed to be a multiple separate account with the Escrow Collection Bank(s) in connection with all application monies received• Every applicant should hold valid Permanent Account Number (PAN) and mention the same in the application. For the purposes of allotment of NCDs under the Issue, applications shall be grouped based from NRIs, (“Special Account”). All application monies received from NRI applicants shall be deposited inApplication Form; and • No receipt will be issued for the application money. However, Bankers to the Issue on the PAN, i.e. applications under the same PAN shall be grouped together and treated as one application. the Special Account maintained with any of the Bankers to the Issue. Upon creation of security as disclosedand/or their branches receiving the applications will acknowledge the same. • Application monies should Two or more applications will be deemed to be multiple applications if the sole or first applicant is one in the Prospectus, the Escrow Collection Bank(s) shall transfer the monies from the Special Account to abe received either by inward remittance of freely convertible foreign exchange through normal banking and the same. For the sake of clarity, two or more applications shall be deemed to be a multiple application separate bank account, (“NRI Account”), which shall be different from the Public Issue Account. Ourchannels or through rupee denominated demand drafts/cheque drawn on a bank in India from Non- for the aforesaid purpose if the PAN number of the sole or the first applicant is one and the same. C. Company shall at all times ensure that any monies kept in the Special Account and/or the NRI Accountresident Ordinary (NRO) account or Non-resident External (NRE) account or by transfer of funds held in the Depository Arrangements : As per the provisions of Section 68B of the Act, the allotment of NCDs of our shall not be used for on-lending and be utilised only in accordance with and subject to the restrictionsinvestor‘s rupee denominated accounts i.e.. NRO Account and NRE Account maintained with an RBI Company can be made in a dematerialised form, (i.e. not in the form of physical certificates but be fungible contained in the Foreign Exchange Management (Borrowing and Lending in Rupee) Regulations, 2000,authorised dealer or a RBI authorised bank in India. Payment by demand drafts should be accompanied and be represented by the Statement issued through electronic mode). We have made depository and other applicable statutory and/or regulatory requirements. (f) The Issue proceeds shall not be utilizedby a bank certificate confirming that the draft has been issued by debiting an NRE or an NRO Account. arrangements with NSDL and CDSL for issue and holding of the NCDs in dematerialised form. Please towards full or part consideration for the purchase or any other acquisition, inter alia by way of a lease,ALL APPLICATIONS BY CATEGORY I APPLICANTS SHALL BE RECEIVED ONLY BY THE LEAD MANAGERS note that tripartite agreements have been executed between our Company, the Registrar and both the of any property.AND THEIR RESPECTIVE AFFILIATES. All applicants should apply for one or more option of NCDs in a depositories. For further details please refer to the Prospectus. D. Communications : • All future 54. Listing : The NCDs will be listed on BSE. Our Company has received an in-principle approval from thesingle Application Form only. Our Company would allot Option INCDs to all valid applications, wherein Communications in connection with Applications made in the Issue should be addressed to the Registrar BSE to deal in and for an official quotation of our NCDs. The application for listing of the NCDs will bethe applicants (other than NRIs) have not indicated their choice of Option. Our Company would allot to the Issue quoting all relevant details as regards the applicant and its application. • Applicants can made to BSE at an appropriate stage. If permissions to deal in and for an official quotation of our NCDsOption IINCDs to all valid applications by NRIs, wherein NRI applicants have not indicated their choice contact our Compliance Officer as well as the contact persons of our Company/Lead Managers or the are not granted by BSE, our Company will forthwith repay, without interest, all moneys received from theof Option. C. Applicant’s Depository Account Details : IT IS MANDATORY FOR ALL THE APPLICANTS TO Registrar to the Issue in case of any Pre-Issue related problems. In case of Post-Issue related problems applicants in pursuance of the Prospectus. Our Company shall ensure that all steps for the completion ofHAVE THEIR NCDs ALLOTTED IN DEMATERIALISED FORM. ALL APPLICANTS SHOULD MENTION THEIR such as non-receipt of Allotment Advice / credit of NCDs in depository’s beneficiary account / refund orders, the necessary formalities for listing and commencement of trading at BSE are taken within 15 workingDEPOSITORY PARTICIPANT’S NAME, DEPOSITORY PARTICIPANT IDENTIFICATION NUMBER AND etc., applicants may contact our Compliance Officer as well as the contact persons of our Company/Lead days from the date of allotment. For the avoidance of doubt, it is hereby clarified that in the event of nonBENEFICIARY ACCOUNT NUMBER IN THE APPLICATION FORM. INVESTORS MUST ENSURE THAT THE Managers or Registrar to the Issue. subscription to any one or more of the Options, such NCDs with Option(s) shall not be listed.NAME GIVEN IN THE APPLICATION FORM IS EXACTLY THE SAME AS THE NAME IN WHICH THE 47. Rejection of Application : The Board of Directors and/or any committee of our Company reserves its full,DEPOSITORY ACCOUNT IS HELD. IN CASE THE APPLICATION FORM IS SUBMITTED IN JOINT NAMES, unqualified and absolute right to accept or reject any application in whole or in part and in either caseIT SHOULD BE ENSURED THAT THE DEPOSITORY ACCOUNT IS ALSO HELD IN THE SAME JOINT NAMES without assigning any reason thereof. Application may be rejected on one or more technical grounds, FOR FURTHER DETAILS, PLEASE REFER TO THE PROSPECTUSAND ARE IN THE SAME SEQUENCE IN WHICH THEY APPEAR IN THE APPLICATION FORM. Applicant including but not restricted to: • Applications not duly signed by the sole/joint applicants (in the sameshould note that on the basis of name of the applicant, Depository Participant’s name, Depository Participant- sequence as they appear in the records of the depository); • Amount paid doesn’t tally with the amount ISSUE MANAGEMENT TEAMIdentification number and Beneficiary Account Number provided by them in the Application Form, the payable for the NCDs applied for; • Age of First applicant not given; • Application by persons not competentRegistrar to the Issue will obtain from the Depository, demographic details of the investor such as address, to contract under the Indian Contract Act, 1872 including minors (without the name of guardian) and LEAD MANAGERSbank account details for printing on refund orders and occupation (“Demographic Details”). Hence, applicants insane persons; • PAN not mentioned in the Application Form; • GIR number furnished instead of PAN;should carefully fill in their Depository Account details in the Application Form. These Demographic • Applications for amounts greater than the maximum permissible amounts prescribed by applicableDetails would be used for all correspondence with the applicants including mailing of the refund orders/ regulations; • Applications by persons/entities who have been debarred from accessing the capital markets by SEBI; • Applications by any persons outside India (barring applications made by NRIs, on a non- ICICI SECURITIES LIMITED HDFC BANK LIMITEDAllotment Advice and printing of bank particulars on the refund/interest order and the Demographic repatriable basis); • Payment from NRO accounts by demand drafts or electronic transfer of funds not H.T. Parekh Marg, Churchgate Investment Banking DivisionDetails given by applicant in the Application Form would not be used for these purposes by the Registrar. Mumbai 400 020, India Trade World ‘A’ Wing, 1st Floor, Kamala MillsHence, applicants are advised to update their Demographic Details as provided to their Depository accompanied by a bank certificate confirming that the draft has been issued / electronic transfer has been Tel: (91 22) 2288 2460 Senapati Bapat Marg, Lower Parel effected by debiting an NRO Account. • Bank certificate and bank statement for one year not provided Mumbai 400 013, IndiaParticipants and ensure that they are true and correct. By signing the Application Form, the applicant along with demand draft / cheque / electronic payment for NRI Applicants making payment using funds Fax: (91 22) 2282 6580 Tel: (91 22) 4080 4108 Fax: (91 22) 4080 4114would have deemed to have authorised the depositories to provide, upon request, to the Registrar to the Email: muthootfin.bonds@icicisecurities.com Email: paresh.soni@hdfcbank.com from a Non-resident External (NRE) account; • Certificate confirming source of funds not provided and a Investor Grievance Email: customercare@icicisecurities.comIssue, the required Demographic Details as available on its records. Refund Orders/Allotment Advice declaration from the applicant that extant FEMA regulations have been complied with, not provided by Investor Grievance Email: investor.redressal@hdfcbank.comwould be mailed at the address of the applicant as per the Demographic Details received from the Website: www.icicisecurities.com Website: www.hdfcbank.com NRI Applicants making payment by inward remittance of freely convertible foreign exchange into the Contact Person: Manvendra Tiwari/Aashima Mutneja Contact Person: Paresh SoniDepositories. Applicant may note that delivery of Refund Orders/Allotment Advice may get delayed if the Special Account; • Any application for an amount below the minimum application size; • Application for SEBI Registration No.: INM000011179 SEBI Registration No.: INM000011252 LEAD MANAGERS REGISTRAR TO THE ISSUE JM FINANCIAL CONSULTANTS PRIVATE LIMITED KARVY INVESTOR SERVICES LIMITED LINK INTIME INDIA PRIVATE LIMITED 141 Maker Chambers III, Nariman Point Hallmark Plaza, 7th Floor, RR INVESTORS CAPITAL SERVICES (P) LIMITED YES BANK LIMITED 133A, Mittal Tower, A- Wing Nehru Centre, 12th Floor, Discovery of India C-13, Pannalal Silk Mills Compound, Mumbai 400 021, India Sant Dyaneshwar Marg L.B.S. Marg, Bhandup (West), Mumbai 400 078, India Tel : (91 22) 6630 3030 Bandra (E), Mumbai 400 051, India Nariman Point, Mumbai 400 021, India Dr. A B Road, Worli, Mumbai 400 018, India Tel : (91 22) 2288 6627/28 Tel : (91 22) 6669 9000 Tel: (91 22) 2596 0320 • Fax: (91 22) 2596 0329 Fax: (91 22) 2204 7185 Tel : (91 22) 6149 1500 Toll Free: 1-800-22-0320 Email: muthootncdissue.2012@jmfinancial.in Fax: (91 22) 6149 1515 Fax: (91 22) 2285 1925 Fax: (91 22) 2497 4158 Email: muthootncd@rrfcl.com Email: dlmuthootfinncd@yesbank.in Email: mfl.ipo@linkintime.co.in Investor Grievance Email: muthootncdissue2011@karvy.com Investor Grievance Email: mfl.ipo@linkintime.co.in Email: grievance.ibd@jmfinancial.in Investor Grievance Email: cmg@karvy.com Investor Grievance Email: investors@rrfcl.com Investor Grievance Email: merchantbanking@yesbank.in Website: www.rrfcl.com Website: www.yesbank.in Website: www.linkintime.co.in Website: www.jmfinancial.in Website: www.karvy.com Contact Person: Sachin Achar Contact Person : Lakshmi Lakshmanan Contact Person : Swapnil Mahajan/Sumit Singh Contact Person : Brahmdutta Singh Contact Person : Sameer Kakkar SEBI Registration No.: INM000007508 SEBI Registration No.: INM000010874 SEBI Registration No.: INR000004058 SEBI Registration No.: INM000010361 SEBI Registration No.: INM000008365 MUTHOOT FINANCE LIMITED 5
  • 6. IN THE NATURE OF FORM 2A - MEMORANDUM CONTAINING SALIENT FEATURES OF THE PROSPECTUS Compliance Officer and Company Secretary : Rajesh A. Muthoot Chambers Opposite Saritha Theatre Complex 2nd Floor, Banerji Road Kochi 682 018 Kerala, India Tel: (91 484) 353 5533 Fax: (91 484) 2396506 E-mail: cs@muthootgroup.com Debenture Trustee : IDBI Trusteeship Services Limited Asian Building, Ground Floor, 17 R. Kamani Marg, Ballard Estate, Mumbai 400 001, India Tel: (91 22) 40807000 Fax: (91 477) 6631 1776 Email: sarita.iyer@idbitrustee.co.in Website: www.idbitrustee.co.in Contact Person: Sarita Iyer SEBI Registration No. : IND000000460 Statutory Auditors : Rangamani & Co Chartered Accountants 17/598, 2nd Floor Card Bank Building West of YMCA VCSB Road Allepey 688 011 Kerala, India Tel: (91 477) 226 1542 Fax: (91 477) 226 1542 Email: sreenivasan2121@gmail.com Credit Rating Agencies : ICRA Limited 1105, Kailash Building, 11th Floor 26, Kasturba Gandhi Marg New Delhi 110001, India Tel: (9111) 23357940-50 Fax: (9111) 23357014 CRISIL Limited CRISIL House, Central Avenue Hiranandani Business Park, Powai Mumbai 400 076, India Tel: (91 22) 3342 3000/1952 Fax: (91 22) 3342 3050 Legal Advisors to the Issue : AZB & Partners AZB House, 67-4, 4th Cross, Lavelle Road Bangalore 560 001, India Tel: (91 80) 4240 0500 Fax: (91 80) 2221 3947 Bankers to the Issue : Axis Bank Limited 41/419, Ground Floor, Chicago Plaza Rajaji Road, Ernakulam Kochi 682 035, India Tel: (91 484) 4411 008/ 4411 039 Fax: (91 484) 2384 273 Email: venkitachalam.anand@axisbank.com, suraj.das@axisbank.com Website: www.axisbank.com Contact Person: Venkitachalam Anand/ Suraj Das SEBI Registration No.: INBI00000017. HDFC Bank Limited Corporate Banking 115, Radhakrishnan Salai, Mylapore Chennai 600 004, India Tel: (91 44) 2847 7243 Fax: (91 44) 2847 7250 Email: rajesh.kumarm@hdfcbank.com Website: www.hdfcbank.com Contact Person: Rajesh Kumar SEBI Registration No.: INBI00000063. ICICI Bank Limited Capital Markets Division Rajbahadur Mansion, 30, Mumbai Samachar Marg Fort Mumbai 400 001, India Tel: (91 22) 6631 7243 Fax: (91 22) 6631 7250 Email: anil.gadoo@icicibank.com Website: www.icicibank.com Contact Person: Anil Gadoo SEBI Registration No.: INBI00000004. IDBI Bank Limited Unit No.2, Corporate Park, Near Swastik Chambers Sion –Trombay Road, Chembur Mumbai 400 071, India Tel: (91 22) 6690 7243 Fax: (91 22) 6690 7250 Email: ipoteam@idbi.co.in Website: www.idbibank.com Contact Person: V. Jayananthan SEBI Registration No.: INBI00000076. IndusInd Bank Limited Cash Management services, IBL House, 1st Floor, Cross “B” Road MIDC, J.B. Nagar, Off Andheri Kurla Road, Andheri (E) Mumbai 400 059, India Tel: (91 22) 6772 7243 Fax: (91 22) 6641 7250 Email: suresh.esaki@indusind.com, singh.harpal@indusind.com Website: www.indusind.com Contact Person: Suresh Esaki / Mr. Harpal Singh SEBI Registration No.: INBI00000002. YES Bank Limited India Bulls Finance Center Tower II, 23rd Floor Senapati Bapat Marg, Elphinstone Road Mumbai 400 013, India Tel : (91 22) 6669 7243 Fax: (91 22) 2497 7250 Email: dlbtiservices@yesbank.in Website: www.yesbank.in Contact Person : Mahesh Shirali SEBI Registration No.: INBI00000935 RISK FACTORSProspective investors should carefully consider the risks and uncertainties described below, in addition to 6. We face increasing competition in our business which may result in declining margins if we are unable to require us to meet and maintain prescribed financial ratios. Further, under these loan agreements duringthe other information contained in the Prospectus before making any investment decision relating to the compete effectively. : Our principal business is the provision of personal loans to retail customers in India the subsistence of the facility, the lender has a right to appoint a nominee director on our Board from timeNCDs. If any of the following risks or other risks that are not currently known or are now deemed immaterial, secured by gold jewellery as collateral. Historically, the Gold Loan industry in India has been largely to time. Further more, some of our financing arrangements contain cross default provisions which couldactually occur, our business, financial condition and result of operation could suffer, the trading price of unorganised and dominated by local jewellery pawn shops and money lenders, with very few public sector automatically trigger defaults under other financing arrangements, in turn magnifying the effect of anthe NCDs could decline and you may lose all or part of your interest and / or redemption amounts. Unless and old generation private sector banks focusing on this sector. Attractive interest rates relative to risk individual default. Although we attempt to maintain compliance with our covenants or obtain prospectiveotherwise stated in the relevant risk factors set forth below, we are not in a position to specify or quantify together with increased demand for access to capital from middle income group, previously availed waivers where possible, we cannot assure you that we will be continuously compliant. We have breachedthe financial or other implications of any of the risks mentioned herein. The ordering of the risk factors is predominantly by lower income group customers with limited access to other forms of borrowings, have in the past, and are currently in breach of, certain covenants under these loan agreements and otherintended to facilitate ease of reading and reference and does not in any manner indicate the importance increased our exposure to competition. The demand for Gold Loans has also increased due to relatively financing arrangements. For example, with respect to the execution of the Baring Investment Agreement,of one risk factor over another. lower and affordable interest rates, increased need for urgent borrowing or bridge financing requirements Kotak Investment Agreement, Matrix Investment Agreement and Wellcome Investment Agreement andThe Prospectus contains forward looking statements that involve risk and uncertainties. Our Company’s and the need for liquidity for assets held in gold and also due to increased awareness among customers the consequent alteration of our capital structure, we did not obtain a prior written permission from certainactual results could differ materially from those anticipated in these forward looking statements as a result of Gold Loans as a source of quick access to funds. All of these factors have resulted in us facing increased banks and financial institutions. Although no bank or financial institution has issued a notice of defaultof several factors, including the considerations described below and elsewhere in the Prospectus. competition from other lenders in the Gold Loan industry, including commercial banks and other NBFCs. to us, if we are held to be in breach of any financial or other covenants contained in any of our financingInvestors are advised to read the following risk factors carefully before making an investment in the NCDs Unlike commercial banks or deposit-taking NBFCs, we do not have access to funding from savings and arrangements, we may be required to immediately repay our borrowings either in whole or in part, togetheroffered in this Issue. You must rely on your own examination of our Company and this Issue, including the current deposits of customers. Instead, we are reliant on higher-cost term loans and debentures for our with any related costs, and because of such defaults we may be unable to find additional sources ofrisks and uncertainties involved. funding requirements, which may reduce our margins compared to competitors. Our ability to compete financing. If any of these events were to occur, it would likely result in a material adverse effect on ourINTERNAL RISK FACTORS effectively with commercial banks or deposit-taking NBFCs will depend, to some extent, on our ability to financial condition and results of operations or even our ability to continue as a going concern.Risks relating to our Business & Company raise low-cost funding in the future. If we are unable to compete effectively with other participants in the 13. All of the Gold Loans we offer are due within one year of disbursement, and a failure to disburse new loans1. We and our Directors are involved in certain legal and other proceedings that if determined against us, could Gold Loan industry, our business, future financial performance and the trading price of the NCDs and may result in a reduction of our loan portfolio and a corresponding decrease in our interest income. : All of thehave a material adverse effect on our financial condition and results of operations. : Our Company and our Equity Shares may be adversely affected. Furthermore, as a result of increased competition in the Gold Gold Loans we offer are due within one year of disbursement. The relatively short-term nature of our loansDirectors are defendants in legal proceedings. These legal proceedings are pending at different levels of Loan industry, Gold Loans are becoming increasingly standardised and variable interest rate and payment means that our long-term interest income stream is less certain than if a portion of our loans were for aadjudication before various levels of adjudication before various courts and tribunals. The amounts terms and waiver of processing fees are becoming increasingly common in the Gold Loan industry in India. longer term. In addition, our existing customers may not obtain new loans from us upon maturity of theirclaimed in these proceedings have been disclosed to the extent as certainable, excluding contingent There can be no assurance that we will be able to react effectively to these or other market developments existing loans, particularly if competition increases. The potential instability of our interest income couldliabilities and include amounts claimed jointly and severally from us and other parties. Should any new or compete effectively with new and existing players in the increasingly competitive Gold Loans industry. materially and adversely affect our results of operations and financial position.developments arise, such as any change in applicable Indian law or any rulings against us by appellate Increasing competition may have an adverse effect on our net interest margin and other income, and, if 14. We have entered into assignment agreements to sell certain loans from our outstanding loan portfolio. Ifcourts or tribunals, we may need to make provisions in our financial statements that could increase we are unable to compete successfully, our market share may decline as the origination of new loans such assignment of loans is held to be unenforceable under applicable law, it could have a material adverse effectexpenses and current liabilities. Any adverse decision may have an adverse effect on our business, results declines. on our business, financial condition and results of operations. : From time to time we sell and assign a groupof operations and financial condition. For further details please refer to the Prospectus. 7. We have certain contingent liabilities which may adversely affect our financial condition. : As per the audited of similar loans from our outstanding loan portfolio to financial institutions in return for an up front fixed2. The “Muthoot” logo and other combination marks are proposed to be registered in the name of our Promoters. financial statements of the Company for the period ended September 30, 2011 we had certain contingent consideration. As per our audited financial statements for the period ended September 30, 2011 theIf we are unable to use the trademarks and logos, our results of operations may be adversely affected. : The brand liabilities not provided for, amounting to ` 3,229.38 million. The contingent liability amounts disclosed outstanding portfolio of assigned loans was ` 25,875.0 million constituting 12.36% of the gross retailand trademark “Muthoot”, as also related marks and associated logos (“Muthoot Trademarks”) are currently in our audited financial statements represent estimates and assumptions of our management based on loan portfolio. As a part of such transactions, we provide credit enhancement through fixed deposits withregistered in the name of our Company. We believe that the Muthoot Trademarks are important for our advice received. banks or issue corporate guarantees to the purchaser for an amount equal to a negotiated percentage ofbusiness. Our Company proposes to register the Muthoot Trademarks jointly in the name of our Promoters 8. We may not be able to successfully sustain our growth strategy. : In recent periods, we have experienced the value of the loans being assigned. The loan assignment agreements contain certain representationsthrough a rectification process or irrevocably grant ownership rights by alternate, legally compliant means. substantial growth. Our net profit as per the audited financial statements of the Company, in fiscals 2008, and warranties made by us regarding the assigned loans, which, if breached could result in additionalPursuant to applications filed on September 20, 2010 by our Company and our Promoters before the 2009, 2010 and 2011 and for the period ended September 30, 2011 was ` 630.7 million ` 978.7 million, costs and expenses to us. In the event that one or more of the asset assignment agreements entered intoTrade Marks Registry, Chennai, our Promoters have stated that their father, Late Mr. M. George Muthoot, ` 2,285.2 million,` 4,941.76 million, and ` 4,060.1 million respectively. Our gross retail loans outstanding by us are held by a court of law or declared by a statute as unenforceable, we may be required to terminatehad adopted and had been using the Muthoot Trademarks since 1939 and that our Promoters had, since grew year on year by 120.78% to ` 74,381.5 million as of March 31, 2010, and by 113.34% to ` 158,684.5 these assignment agreements and may suffer losses. In addition, if such assignments of loans are soughtthe demise of Late Mr. M. George Muthoot, been continuing his business and using the Muthoot Trademarks million as of March 31, 2011 from ` 74,381.5 million as of March 31, 2010. Our gross retail loans to be regulated, it could adversely affect our ability to raise resources through the loan assignment route.as its joint proprietors. Our Company has confirmed that our Company has, since incorporation, been using outstanding grew by 31.96% to ` 209,404.9 million during the six months ended September 30, 2011 Such events may adversely affect our business, financial condition and results of our operations and ourthe Muthoot Trademarks as per an implied user permission granted by our Promoters and that the application from ` 158,684.5 million as of March 31, 2011. Our growth strategy includes growing our loan book and ability to assign our loans.for registration of the Muthoot Trademarks in the name of our Company was filed through inadvertence. expanding the range of products and services offered to our customers and expanding our branch network. 15. Our business could be adversely affected if we are not able to control or reduce the level of non-performingConsequently, an application has been made to Trade Marks Registry, Chennai, to effect a rectification There can be no assurance that we will be able to sustain our growth strategy successfully, or continue to assets in our portfolio. : We may not be successful in our efforts to improve collections and/or enforce thein the Register of Trademarks. Since a rectification process (by application before the Trade Marks Registry, achieve or grow the levels of net profit earned in recent years, or that we will be able to expand further security interest on the gold collateral on existing as well as future non-performing assets. Moreover, asChennai as mentioned above) is underway, and not an assignment of the Muthoot Trademarks, no or diversify our loan book. Furthermore, there may not be sufficient demand for such products, or they may our loan portfolio matures, we may experience greater defaults in principal and/or interest repayments.independent valuation of the Muthoot Trademarks has been conducted. It is proposed that consequent not generate sufficient revenues relative to the costs associated with offering such products and services. Thus, if we are not able to control or reduce our level of non-performing assets, the overall quality of ourto such rectification, the Promoters will grant our Company a non-exclusive licence to use the Muthoot Even if we were able to introduce new products and services successfully, there can be no assurance that loan portfolio may deteriorate and our results of operations may be adversely affected. As per our auditedTrademarks for an annual royalty equivalent to 1% of the gross income of our Company, subject to a we will be able to achieve our intended return on such investments. If we grow our loan book too rapidly financial statements, our gross NPAs as of year ended March 31, 2008, 2009, 2010, 2011 and the periodmaximum of 3% of profit before tax (after charging the royalty) and managerial remuneration payable by or fail to make proper assessments of credit risks associated with borrowers, a higher percentage of our ended September 30, 2011 were` 92.6 million, ` 161.1 million ` 343.6 million,` 460.1 million, andour Company each financial year. Subject to certain other conditions, it is proposed that this licence would loans may become non-performing, which would have a negative impact on the quality of our assets and ` 1,233.2 million respectively. For further details on our non-performing assets please refer the sub-continue until such time that our Promoters, together with the Promoter Group, jointly cease to hold at our financial condition. We also face a number of operational risks in executing our growth strategy. We section titled `Non-performing Assets’ of the Prospectus.. The Non-Banking Financial (Non-Depositleast 50.01% of the paid-up equity share capital of our Company. Since the rectification is yet to be have experienced rapid growth in our Gold Loan business and our branch network also has expanded Accepting or Holding) Companies Prudential Norms (Reserve Bank) Directions, 2007 prescribe theeffected and consequently, no licence has been granted to us as of date, we cannot assure you that we significantly, and it is entering into new, smaller towns and cities within India as part of our growth strategy. provisioning required in respect of our outstanding loan portfolio. Should the overall credit quality of ourwill be able to obtain a licence to use the Muthoot Trademarks, when registered, from our Promoters on Our rapid growth exposes us to a wide range of increased risks within India, including business risks, such loan portfolio deteriorate, the current level of our provisions may not be adequate to cover further increasescommercially acceptable terms, or at all. In addition, loss of the rights to use the Muthoot Trademarks may as the possibility that our number of impaired loans may grow faster than anticipated, and operational in the amount of our non-performing assets. Furthermore, although we believe that our total provision willaffect our reputation, goodwill, business and our results of operations. risks, fraud risks and regulatory and legal risks. Moreover, our ability to sustain our rate of growth depends be adequate to cover all known losses in our asset portfolio, our current provisions may not be adequate3. Our business requires substantial capital, and any disruption in funding sources would have a material significantly upon our ability to manage key issues such as selecting and retaining key managerial when compared to the loan portfolios of other financial institutions. Moreover, there also can be noadverse effect on our liquidity and financial condition. : Our liquidity and ongoing profitability are, in large personnel, maintaining effective risk management policies, continuing to offer products which are relevant assurance that there will be no further deterioration in our provisioning coverage as a percentage of grosspart, dependent upon our timely access to, and the costs associated with, raising capital. Our funding to our target base of customers, developing managerial experience to address emerging challenges and non-performing assets or otherwise, or that the percentage of non-performing assets that we will be ablerequirements historically have been met from a combination of borrowings such as working capital limits ensuring a high standard of customer service. For further details please refer to the Prospectus. to recover will be similar to our past experience of recoveries of non-performing assets. In the event of anyfrom banks and selling of our loan portfolio to other lenders such as banks, and issuance of commercial 9. We may not be in compliance with relevant state money lending laws, which could adversely affect our further increase in our non-performing asset portfolio, there could be an even greater, adverse impact onpaper, non-convertible debentures and equity. Thus, our business depends and will continue to depend business. : There is ambiguity on whether or not NBFCs are required to comply with the provisions of state our results of operations.on our ability to access diversified low-cost funding sources. The crisis in the global credit market that money lending laws that establish ceilings on interest rates. As of September 20, 2009, our Company has 16. We face difficulties in carrying out credit risk analyses on our customers, most of whom are individualbegan in mid 2007 destabilised the prevailing lending model by banks and financial institutions. These been specifically exempted from the provisions of the Money Lenders Act in Karnataka, Andhra Pradesh borrowers : Unlike several developed economies, a nationwide credit bureau has only recently becomeadverse conditions reached unprecedented levels through 2008. The capital and lending markets remained and there is a blanket exemption for all NBFCs in Rajasthan. Further, we have also received show cause operational in India, so there is less financial information available about individuals, particularly ourhighly volatile and access to liquidity had been significantly reduced. These conditions had resulted in notices from certain Government authorities in relation to compliance with relevant money lending statutes focus customer segment from the low to middle income group who typically have limited access to otherincreased borrowing costs and difficulty in accessing debt in a cost-effective manner. In addition, it became in relation to our operations in the states of Gujarat, Kerala, Karnataka and Andhra Pradesh. We also carry financing sources. It is therefore difficult to carry out precise credit risk analyses on our customers. Althoughmore difficult to renew loans and facilities as many potential lenders and counter parties also faced out operations in other states such as Tamil Nadu, Madhya Pradesh, and Maharashtra, where there are we follow certain know-your-customer procedures at the time of sanctioning a loan, we generally rely onliquidity and capital concerns as a result of the stress in the financial markets. Moreover, we are a money lending statutes in operation. In addition, in the event the provisions of any state specific regulations the quality of the gold jewellery provided as collateral rather than on a stringent analysis of the credit“systemically important non-deposit accepting” NBFC, and do not have access to deposits. We are also are extended to NBFCs in the gold loan business such as our Company, we could have increased costs profile of our customers. Although we believe that our risk management controls are sufficient, we cannotrestricted from inviting interest in our secured non-convertible debentures which are issued on a private of compliance and our business and operations could be adversely affected. For further details, see section be certain that they will continue to be sufficient or that additional risk management policies for individualplacement basis, by advertising to the public. We also face significant maturities of unsecured debt each “Pending proceedings and Statutory Defaults” of the Prospectus. There are severe civil and criminal borrowers will not be required. Failure to maintain sufficient credit assessment policies, particularly foryear. ` 24,015.8 million of our outstanding unsecured debt as on September 30, 2011 matures during penalties for non-compliance with the relevant money lending statutes. In the event that the government individual borrowers, could adversely affect our credit portfolio which could have a material and adversethe current fiscal year ending March 31, 2012. In order to retire these instruments, we either will need to of any state in India requires us to comply with the provisions of their respective state money lending laws, effect on our results of operations and financial condition.refinance this debt, which could be difficult in the event of case of volatility in the credit markets, or raise or imposes any penalty against us, our Directors or our officers, including for prior non-compliance, our 17. Our customer base comprises mostly individual borrowers, who generally are more likely to be affected byequity capital or generate sufficient cash to retire the debt. business, results of operations and financial condition may be adversely affected. declining economic conditions than large corporate borrowers. : Individual borrowers generally are less4. Our financial performance is particularly vulnerable to interest rate risk. : Over the last several years, the 10. A major part of our branch network is concentrated in southern India and any disruption or downturn in financially resilient than large corporate borrowers, and, as a result, they can be more adversely affectedGovernment of India has substantially deregulated the financial sector. As a result, interest rates are now the economy of the region would adversely affect our operations. : As of December 31, 2011, 2,242 out of by declining economic conditions. In addition, a significant majority of our customer base belongs to theprimarily determined by the market, which has increased the interest rate risk exposure of all banks and our 3,480 branches are located in the southern states of Tamil Nadu (744 branches), Kerala (683 branches), low to middle income group, who may be more likely to be affected by declining economic conditions thanfinancial intermediaries in India, including us. Our results of operations are substantially dependent upon Andhra Pradesh (483 branches), Karnataka (324 branches) and Union Territory of Pondicherry (8 branches). large corporate borrowers.the level of our net interest margins. Interest rates are sensitive to many factors beyond our control, Any disruption, disturbance or breakdown in the economy of southern India could adversely affect the 18. Because we handle high volume of cash and gold jewellery in a dispersed network of branches, we areincluding the RBI’s monetary policies, domestic and international economic and political conditions and result of our business and operations. As of September 30, 2011, the southern Indian states of Tamil exposed to operational risks, including employee negligence, fraud, petty theft, burglary and embezzlement,other factors. Our policy is to attempt to balance the proportion of our interest-earning assets, which bear Nadu, Kerala, Andhra Pradesh, Karnataka and the Union Territory of Pondicherry constituted 71.4% of which could harm our results of operations and financial position. : As per our audited financial statements,fixed interest rates, with interest-bearing liabilities. A majority of our liabilities, such as our secured non- our total Gold Loan portfolio. Our concentration in southern India exposes us to adverse economic or as of September 30, 2011, we held cash balance of ` 1,134.5 million and gold jewellery of 129.5 tons.convertible debentures, subordinated debt and short term loans carry fixed rates of interest and the political circumstances that may arise in that region as compared to other NBFCs and commercial banks Our business involves carrying out cash and gold jewellery transactions that expose us to the risk of fraudremaining are linked to the respective banks’ benchmark prime lending rate/base rate. As of that have diversified national presence. If there is a sustained downturn in the economy of south India, by employees, agents, customers or third parties, theft, burglary, and misappropriation or unauthorisedSeptember 30, 2011, 55.76% of our borrowings were at fixed rates of interest, comprising primarily our our financial position may be adversely affected. transactions by our employees. Our insurance policies, security systems and measures undertaken toprivately placed secured non-convertible redeemable debentures, which constituted 29.21% of our total 11. Our indebtedness and the conditions and restrictions imposed by our financing agreements could restrict detect and prevent these risks may not be sufficient to prevent or detect such activities in all cases, whichindebtedness as of September 30, 2011. However, there can be no assurance that we will be able to our ability to conduct our business and operations in the manner we desire. : As per our audited financial may adversely affect our operations and profitability. Further, we may be subject to regulatory or otheradequately manage our interest rate risk in the future and be able to effectively balance the proportion statements for the period ended September 30, 2011, we had outstanding debt of ` 172,567.9 million. proceedings in connection with any unauthorised transaction, fraud or misappropriation by ourof our fixed rate loan assets and liabilities in the future. Further, despite this balancing, changes in interest We may incur additional indebtedness in the future. Our indebtedness could have several important representatives and employees, which could adversely affect our goodwill. The nature and size of therates could affect the interest rates charged on interest-earning assets and the interest rates paid on consequences, including but not limited to the following: • a portion of our cash flow may be used towards items provided as collateral allow these items to be misplaced or mis-delivered, which may have ainterest-bearing liabilities in different ways. Thus, our results of operations could be affected by changes repayment of our existing debt, which will reduce the availability of our cash flow to fund our capital negative impact on our operations and result in losses. For example, (i) in 2008 and 2009, we encounteredin interest rates and the timing of any repricing of our liabilities compared with the re-pricing of our assets. adequacy requirements, working capital, capital expenditures, acquisitions and other general corporate two instances of staff fraud at our Millerganj, Punjab and Sakthikulangara, Kerala branches, where 497Furthermore, we are exposed to greater interest rate risk than banks or deposit-taking NBFCs. In a rising requirements; • our ability to obtain additional financing in the future at reasonable terms may be restricted packets of gold (pledged against a loan amount of ` 16,127,480) and ` 500,000 in cash were stolen byinterest rate environment, if the yield on our interest-earning assets does not increase at the same time or our cost of borrowings may increase due to sudden adverse market conditions, including decreased our employees, (ii) in 2009, gold ornaments pledged by two of our customers at our branches at Pettah,or to the same extent as our cost of funds, or, in a declining interest rate environment, if our cost of funds availability of credit or fluctuations in interest rates, particularly because a significant proportion of our Trivandrum, and Thenkassi Old Bus Stand, Tamil Nadu, against loan amounts of ` 144,000 and ` 27,000,does not decline at the same time or to the same extent as the yield on our interest-earning assets, our financing arrangements are in the form of borrowings from banks.; • fluctuations in market interest rates respectively, were reported to be stolen goods and seized by the police, and (iii) in 2009, in two separatenet interest income and net interest margin would be adversely impacted. Additional risks arising from may affect the cost of our borrowings, as some of our indebtedness are at variable interest rates; • there cases, 87 grams of spurious gold and 604 grams of spurious gold were pledged, against loan amountsincreasing interest rates include: • reductions in the volume of loans as a result of customers inability to could be a material adverse effect on our business, financial condition and results of operations if we are of ` 93,500 and` 578,500, respectively, with our branches at Trichur West Fort, Kerala and Lajpat Nagar,service high interest rate payments; and • reductions in the value of fixed income securities held in our unable to service our indebtedness or otherwise comply with financial and other covenants specified in New Delhi, respectively.investment portfolio. There can be no assurance that we will be able to adequately manage our interest the financing agreements; and • we may be more vulnerable to economic downturns, may be limited in 19. A decline in our capital adequacy ratio could restrict our future business growth. : As per the revised normsrate risk in the future and, if we are unable to do so, this would have an adverse effect on our net interest our ability to withstand competitive pressures and may have reduced flexibility in responding to changing of RBI, from March 31, 2011, we are required to maintain a capital adequacy ratio of at least 15% of ourmargin. business, regulatory and economic conditions. Some of our financing agreements also include various risk-weighted assets. Our capital adequacy ratio was 18.24% as of September 30, 2011, with Tier I capital5. We may not be able to recover the full loan amount, and the value of the collateral may not be sufficient to conditions and covenants that require us to obtain lender consents prior to carrying out certain activities comprising 13.48%. If we continue to grow our loan portfolio and asset base, we will be required to raisecover the outstanding amounts due under defaulted loans. : We extend loans secured by gold jewellery and entering into certain transactions. Failure to meet these conditions or obtain these consents could additional Tier I and Tier II capital in order to continue to meet applicable capital adequacy ratios withprovided as collateral by the customer. An economic downturn or sharp downward movement in the price have significant consequences on our business and operations. Specifically, we may require, and may be respect to our business of Gold Loans. There can be no assurance that we will be able to raise adequateof gold could result in a fall in collateral values. In the event of any decrease in the price of gold, customers unable to obtain, lender consents to incur additional debt, issue equity, change our capital structure, additional capital in the future on terms favourable to us, or at all, and this may adversely affect the growthmay not repay their loans and the collateral gold jewellery securing the loans may have decreased declare dividend, increase or modify our capital expenditure plans, undertake any expansion, provide of our business.significantly in value, resulting in losses which we may not be able to support. Although we use a additional guarantees, change our management structure, merge with or acquire other companies, or 20. If we fail to maintain effective internal control over financial reporting in the future, the accuracy and timingtechnology-based risk management system and follow strict internal risk management guidelines on amend its charter documents, whether or not there is any failure by us to comply with the other terms of of our financial reporting may be adversely affected. : We have taken steps intended to enhance our internalportfolio monitoring, which include periodic assessment of loan to security value on the basis of conservative such agreements. Any failure to comply with the requirement to obtain a consent, or other condition or controls commensurate to the size of our business, primarily through the formation of a designated internalmarket price levels, limits on the amount of margin, ageing analysis and pre-determined loan closure call covenant under our financing agreements that is not waived by our lenders or is not otherwise cured by audit team with additional technical accounting and financial reporting experience. However, certainthresholds, no assurance can be given that if the price of gold decreased significantly, our financial us, may lead to a termination of our credit facilities, acceleration of all amounts due under such facilities matters such as fraud and embezzlement cannot be eliminated entirely given the cash nature of ourcondition and results of operations would not be adversely affected. The impact on our financial position and trigger cross default provisions under certain of our other financing agreements, and may adversely business. While we expect to remedy any such issues, we cannot assure you that we will be able to do soand results of operations of a hypothetical decrease in gold values cannot be reasonably estimated affect our ability to conduct our business and operations or implement our business plans. Moreover, in a timely manner, which could impair our ability to accurately and timely report our financial position,because the market and competitive response to changes in gold values is not pre-determinable. certain of our loans may be recalled by our lenders at any time. If any of these lenders recall its loans, our results of operations or cash flows.Additionally, we may not be able to realise the full value of our collateral, due to, among other things, cash position, business and operations may be negatively affected. 21. We may experience difficulties in expanding our business into additional geographical markets in India.defects in the quality of gold or wastage on melting gold jewellery into gold bars. In the case of a default, 12. Our loan agreements contain restrictive covenants that may affect our business and operations, some of : While the Gold Loans markets in the South Indian States of Kerala Tamil Nadu, Andhra Pradesh andwe typically sell the gold jewellery collateral through auctions primarily to local jewellers and there can which we are currently in breach of or have breached in the past. : The loan agreements that we have entered Karnataka remains and is expected to remain our primary strategic focus, we also evaluate attractivebe no assurance that we will be able to sell such gold jewellery provided as collateral at prices sufficient into with certain banks and financial institutions contain restrictive covenants, which among other things growth opportunities in other regions in India and have expanded our operations in the northern, westernto cover the amounts under default. In addition, failure by our employees to properly appraise the value require us to obtain prior permission of such banks or financial institutions or to inform them with respect and eastern states of India. We may not be able to leverage our experience in southern India to expandof the collateral provides us with no recourse against the borrower. Moreover, there may be delays to various activities, including, alteration of our capital structure, changes in management, raising of fresh our operations in other regions, should we decide to further expand our operations. Factors such asassociated with such auction process. A failure to recover the expected value of collateral security could capital or debt, payment of dividend, undertaking new projects, or undertaking any merger or amalgamation, competition, culture, regulatory regimes, business practices and customs, customer tastes, behavior andexpose us to a potential loss. Any such losses could adversely affect our financial condition and results invest by way of share capital or lend to other companies, undertaking guarantee obligations on behalf preferences in these cities where we may plan to expand our operations may differ from those in southof operations. of other companies, and creation of further charge on fixed assets. Additionally, certain loan agreements Indian states of Kerala, Tamil Nadu, Andhra Pradesh and Karnataka and our experience in the States of 6 MUTHOOT FINANCE LIMITED
  • 7. IN THE NATURE OF FORM 2A - MEMORANDUM CONTAINING SALIENT FEATURES OF THE PROSPECTUSKerala, Tamil Nadu, Andhra Pradesh and Karnataka may not be applicable to these geographies. In at all owned and leased premises which provides insurance cover against loss or damage by fire, earthquake, arrangement. No recourse will generally be available to Company in the event of such seizure, except theaddition, as we enter new markets and geographical areas, we are likely to compete not only with other lightning, riot, strike, storm, flood, explosion, aircraft damage, rock slide and missile testing. Further we recovery of the loss from the customer.large banks and financial institutions in the Gold Loan business, but also the local unorganised or semi- maintain insurance cover for employee fidelity, cash and gold in the office premises and in transit which 45. We do not own our branches of operation. : Except for 14 branch offices, which are owned by us, all ourorganised lenders, who are more familiar with local conditions, business practices and customs, have provides insurance cover against loss or damage by employee theft, burglary, house breaking and hold branches are located on leased premises. If any of the owners of these premises does not renew anstronger relationships with customers and may have a more established brand name. If we plan to expand up. The aggregate insured value covered by the various insurance policies we have subscribed may be less agreement under which we occupy the premises, or if any of the owners seeks to renew an agreement onour geographical footprint, our business may be exposed to various additional challenges, including than the replacement cost of all covered property and may not be sufficient to cover all financial losses terms and conditions unfavorable to us, we may suffer a disruption in our operations or increased costs,obtaining necessary governmental approvals, identifying and collaborating with local business partners that we may suffer should a risk materialise. Further, there are many events that could significantly impact or both, which may adversely affect our business and results of operations.with whom we may have no previous working relationship; successfully gauging market conditions in local our operations, or expose us to third-party liabilities, for which we may not be adequately insured. If we 46. Some of the lease agreements entered into by our Company with respect to our immovable properties maymarkets with which we have no previous familiarity; attracting potential customers in a market in which were to incur a significant liability for which we were not fully insured, it could have a material adverse not be duly registered or adequately stamped, which may adversely affect our operations. : Some of our leasewe do not have significant experience or visibility; being susceptible to local taxation in additional effect on our results of operations and financial position. agreements with respect to our immovable properties may not be adequately stamped or duly registered.geographical areas of India; and adapting our marketing strategy and operations to different regions of 32. Our results of operations could be adversely affected by any disputes with our employees. : As of Unless such documents are adequately stamped or duly registered, such documents may be rendered asIndia in which other languages are spoken. Our inability to expand our current operations may adversely December 31, 2011, we employed 23,219 persons in our operations. Currently our employees do not inadmissible as evidence in a court in India or attract penalty as prescribed under applicable law, whichaffect our business prospects, financial conditions and results of operations. belong to any labour union. We do not engage any long term contract employees. While we believe that may result in a material adverse effect on the continuance of the operations and business of our Company.22. System failures or inadequacy and security breaches in computer systems may adversely affect our business. we maintain good relationships with our employees, there can be no assurance that we will not experience 47. NRIs subscribing to the NCDs are subject to risks in connection with (i) exchange control regulations, and,: Our business is increasingly dependent on our ability to process, on a daily basis, a large number of future disruptions to our operations due to disputes or other problems with our work force, which may (ii) fluctuations in foreign exchange rates. : The NCDs will be denominated in Indian rupees. Varioustransactions. Our financial, accounting or other data processing systems may fail to operate adequately adversely affect our business and results of operations. statutory and regulatory requirements and restrictions apply in connection with the NCDs held by NRIs.or become disabled as a result of events that are wholly or partially beyond our control, including a 33. Our inability to obtain, renew or maintain our statutory and regulatory permits and approvals required to Amounts payable to NRIs holding the NCDs, on redemption of the NCDs and/or the interest paid/payabledisruption of electrical or communications services. If any of these systems do not operate properly or are operate our business may have a material adverse effect on our business. : NBFCs in India are subject to strict inconnection with such NCDs would accordingly be subject to prevailing exchange control regulations.disabled or if there are other shortcomings or failures in our internal processes or systems, it could affect regulations and supervision by the RBI. In addition to the numerous conditions required for the registration Any change in the exchange control regulations may adversely affect the ability of such NRIs to convertour operations or result in financial loss, disruption of our businesses, regulatory intervention or damage as a NBFC with the RBI, we are required to maintain certain statutory and regulatory permits and approvals such amounts into other currencies, in a timely manner or at all. Further, fluctuations in the exchange ratesto our reputation. for our business. In the future, we will be required to renew such permits and approvals and obtain new between the Indian rupee and other currencies could adversely affect the amounts realised by NRIs on23. We may not be able to maintain our current levels of profitability due to increased costs or reduced spreads. permits and approvals for any proposed operations. There can be no assurance that the relevant authorities redemption or payment of interest on the NCDs by our Company.: Our business involves a large volume of small-ticket size loans and requires manual operational support. will issue any of such permits or approvals in the time-frame anticipated by us or at all. Failure by us to EXTERNAL RISK FACTORSHence, we require dedicated staff or providing our services. In order to grow our portfolio, our expanded renew, maintain or obtain the required permits or approvals may result in the interruption of our operations Risk factors related to Indiaoperations will also increase our manpower requirements and push up operational costs. Our growth will and may have a material adverse effect on our business, financial condition and results of operations. In 48. Political instability or changes in the Government of India could adversely affect economic conditions inalso require a relatively higher gross spread, or margin, on the consumer lending products we offer in order addition, our branches are required to be registered under the relevant shops and establishments laws of India and consequently our business. : For further details please refer to the Prospectus.to maintain profitability. There can be no assurance that we will be able to maintain our current levels of the states in which they are located. The shops and establishment laws regulate various employment 49. If communal disturbances or riots erupt in India, or if regional hostilities increase, this would adversely affectprofitability if the gross spreads on our consumer lending products were to reduce substantially, which conditions, including working hours, holidays and leave and overtime compensation. Some of our branches the Indian economy, and our business, financial condition and results of operations. : For further detailscould adversely affect our results of operations. have not applied for such registration while other branches still have applications for registration pending. please refer to the Prospectus.24. Our ability to access capital also depends on our credit ratings. : The cost and availability of capital is also If we fail to obtain or retain any of these approvals or licenses, or renewals thereof, in a timely manner, 50. A slowdown in the economic growth in India could cause our business to suffer. : For further detailsdependent on our short-term and long-term credit ratings. We have been assigned an ”[ICRA]A1+” rating or at all, our business may be adversely affected. If we fail to comply, or a regulator claims we have not please refer to the Prospectus.by ICRA for commercial paper and for short-term non-convertible debentures of ` 2,000.0 million, and a complied, with any of these conditions, our certificate of registration may be suspended or cancelled and 51. A downgrade of India’s sovereign debt rating may adversely affect our ability to raise additional debt“CRISIL A1+” rating by CRISIL for short term debt instruments of ` 40,000.0 million. We have been we shall not be able to carry on such activities. financing. : For further details please refer to the Prospectus.assigned a “CRISIL AA-/Stable” rating by CRISIL for our ` 5,000.0 million non-convertible debentures 34. We are subject to legal and regulatory risk which may adversely affect our business. : As a non-deposit taking 52. India is vulnerable to natural disasters that could severely disrupt the normal operation of our Business :and our ` 1,000.0 million subordinated debt. ICRA has assigned an ”[ICRA]AA-/Stable” rating for our NBFC, we are subject to a wide variety of financial services laws and regulations and are supervised by For further details please refer to the Prospectus.` 2,000.0 million non-convertible debentures and our ` 1,000.0 million subordinated debt. We have a large number of regulatory and enforcement authorities in India, including the RBI. The laws and 53. A decline in India’s foreign exchange reserves may affect liquidity and interest rates in the Indian economy,been assigned a long-term rating of “[ICRA]AA-/Stable” and a short-term rating of “[ICRA]A1+” by ICRA regulations governing the banking and financial services industry in India have become increasingly which could adversely impact our financial condition. : For further details please refer to the Prospectus.for our ` 93,530 million line of credit. Ratings reflect a rating agency’s opinion of our financial strength, complex and cover a wide variety of issues, such as capital adequacy, exposure and other prudential 54. Companies operating in India are subject to a variety of central and state government taxes and surcharges.operating performance, strategic position, and ability to meet our obligations. While our recent credit norms, interest rates, liquidity, securitisation, investments, ethical issues, know-your-customer guidelines, : For further details please refer to the Prospectus.ratings have been positive, any downgrade of our credit ratings would increase borrowing costs and money laundering and privacy, with sometimes overlapping enforcement authorities. For instance, a Risks relating to the Issueconstrain our access to capital and lending markets and, as a result, would negatively affect our business. number of states in India have enacted laws to regulate money lending transactions. These state laws 55. We cannot guarantee the accuracy or completeness of facts and other statistics with respect to India, theIn addition, downgrades of our credit ratings could increase the possibility of additional terms and conditions establish maximum rates of interest that can be charged by a person lending money. The RBI, however, Indian economy and the NBFC and Gold Loan industries contained in the Prospectus. : While facts and other statistics in the Prospectus relating to India, the Indian economy as well as the Gold Loan industry hasbeing added to any new or replacement financing arrangements. has not established a ceiling on the rate of interest that can be charged by a NBFC in our sector of been based on various publications and reports from agencies that we believe are reliable, we cannot25. We may be subject to regulations in respect of provisioning for non-performing assets that are less stringent operations. Currently, the RBI requires that the board of all NBFCs adopt an interest rate policy taking into guarantee the quality or reliability of such materials, particularly since there is limited publicly availablethan in some other countries. : RBI guidelines prescribe the provisioning required in respect of our account relevant factors such as the cost of funds, margin and risk premium. The rate of interest and the information specific to the Gold Loan industry. While we have taken reasonable care in the reproductionoutstanding loan portfolio. These provisioning requirements may require us to reserve lower amounts than approach for gradation of risk and the rationale for charging different rates of interest for different categories of such information, industry facts and other statistics have not been prepared or independently verifiedthe provisioning requirements applicable to financial institutions and banks in other countries. The of borrowers are required to be disclosed to the borrowers in the application form and expressly communicated by us or any of our respective affiliates or advisers and, therefore we make no representation as to theirprovisioning requirements may also require the exercise of subjective judgments of management. The in the sanction letter. accuracy or completeness. These facts and other statistics include the facts and statistics included in thelevel of our provisions may not be adequate to cover further increases in the amount of our non-performing 35. Major lapses of control, system failures or calamities could adversely impact our business. : We are section titled “About the Issuer and Industry Overview” of the Prospectus.. Due to possibly flawed orassets or a decrease in the value of the underlying gold collateral. If such provisions are not sufficient to vulnerable to risks arising from the failure of employees to adhere to approved procedures, failures of ineffective data collection methods or discrepancies between published information and market practiceprovide adequate cover for loan losses that may occur, or if we are required to increase our provisions, this security system, information system disruptions, communication systems failure and data interception and other problems, the statistics herein may be inaccurate or may not be comparable to statistics producedcould have an adverse effect on our financial condition, liquidity and results of operations and may require during transmission through external communication channels and networks. Failure to detect these elsewhere and should not be unduly relied upon. Further, there is no assurance that they are stated orus to raise additional capital. breaches in security may adversely affect our operations. compiled on the same basis or with the same degree of accuracy, as the case may be, elsewhere.26. We may have to comply with stricter regulations and guidelines issued by regulatory authorities in India. 36. Our ability to borrow from various banks may be restricted on account of guidelines issued by the RBI 56. There are other lenders and debenture trustees who have pari passu charge over the Security provided : There: We are regulated principally by and have reporting obligations to the RBI. We are also subject to the imposing restrictions on banks in relation to their exposure to NBFCs. : Under RBI Master Circular No. RBI/ are other lenders and debenture trustees of the Company who have pari passu charge over the Securitycorporate, taxation and other laws in effect in India. The regulatory and legal framework governing us 2010-11/68 DBOD No.Dir.BC.14/13.03.00/ 2010-11 issued on July 1, 2010, the exposure (both lending provided for the Issue. While the Company is required to maintain an asset cover of 1 time the outstandingdiffers in certain material respects from that in effect in other countries and may continue to change as and investment, including off balance sheet exposures) of a bank to a single NBFC should not exceed amount of the NCDs, upon the Company’s bankruptcy, winding-up or liquidation, the other lenders andIndia’s economy and commercial and financial markets evolve. In recent years, existing rules and regulations 10%, of the bank’s capital funds as per its last audited balance sheet. Banks may, however, assume debenture trustees will rank pari passu with the NCD holders and to that extent, may reduce the amountshave been modified, new rules and regulations have been enacted and reforms have been implemented exposures on a single NBFC up to 15%, of their capital funds provided the exposure in excess of 10% is recoverable by the NCD holders. As per Regulation 17(2) read with Schedule I of the SEBI Debt Regulations,which are intended to provide tighter control and more transparency in India’s Gold Loan industry. Moreover, on account of funds on-lent by the NBFC to the infrastructure sector. Further, banks may also consider fixing the Company is required to obtain permissions / consents from the prior creditors in favour of the debenturenew regulations may be passed that restrict our ability to do business. For example, regulatory restrictions internal limits for their aggregate exposure to all NBFCs put together. This limits the exposure that banks trustee for creation of such pari passu charge and the same is required to be disclosed. Accodingly, theon securitisation may be extended to bilateral assignment transactions, resulting in loss of arbitrage may have on NBFCs such as us, which may restrict our ability to borrow from such banks and may increase Company has applied for and obtained consent from all other lenders and debenture trustees for creationoptions. We cannot assure you that we will not be subject to any adverse regulatory action in the future. our cost of borrowing, which could adversely impact our growth, margins and business operations. of a first pari passu charge over the Security.Further, these regulations are subject to frequent amendments and depend upon government policy. Our 37. We have entered into certain transactions with related parties. : We have entered into transactions with 57. Changes in interest rate may affect the price of our NCD : All securities where a fixed rate of interest ispresent operations may not meet all regulatory requirements or subsequent regulatory amendments. The several related parties, including our Promoters, Directors and Group Entities. We can give no assurance offered, such as our NCDs, are subject to price risk. The price of such securities will vary inversely withcosts of compliance may be high, which may affect our profitability. If we are unable to comply with any that we could not have achieved more favourable terms had such transactions not been entered into with changes in prevailing interest rates, i.e. when interest rates rise, prices of fixed income securities fall andsuch regulatory requirements, our business and results of operations may be materially and adversely related parties. Furthermore, it is likely that we will enter into related party transactions in the future. There when interest rates drop, the prices increase. The extent of fall or rise in the prices is a function of theaffected. can be no assurance that such transactions, individually or in the aggregate, will not have an adverse effect existing coupon, days to maturity and the increase or decrease in the level of prevailing interest rates.27. Our loan portfolio is not classified as priority sector advances by the RBI. : The RBI currently mandates on our financial condition and results of operations. The transactions we have entered into and any future Increased rates of interest, which frequently accompany inflation and/or a growing economy, are likely todomestic commercial banks operating in India to maintain an aggregate 40.0% (32.0% for foreign banks) transactions with our related parties have involved or could potentially involve conflicts of interest. For have a negative effect on the price of our NCDs.of their adjusted net bank credit or credit equivalent amount of off-balance sheet exposure, whichever is further details please refer to the Prospectus. 58. You may not be able to recover, on a timely basis or at all, the full value of the outstanding amounts and/higher as “priority sector advances”. These include advances to agriculture, small enterprises, exports and 38. We have not entered into any definitive agreements to utilise a substantial portion of the net proceeds of or the interest accrued thereon in connection with the NCDs. : Our ability to pay interest accrued on the NCDssimilar sectors where the Government seeks to encourage flow of credit for developmental reasons. Banks the Issue. : We intend to use the Net Proceeds for the purposes described in the “Objects of the Issue” of and/or the principal amount outstanding from time to time in connection therewith would be subject toin India that have traditionally been constrained or unable to meet these requirements organically, have the Prospectus. We currently intend to use the Net Proceeds from the Issue to fund our growth. Our various factors inter-alia including our financial condition, profitability and the general economic conditionsrelied on specialised institutions like our Company that are better positioned to or focus on originating management will have broad discretion to use the Net Proceeds and you will be relying on the judgment in India and in the global financial markets. We cannot assure you that we would be able to repay thesuch assets through on-lending or purchase of assets or securitised pools to comply with these targets. As of our management regarding the application of these Net Proceeds. Our funding requirements are based principal amount outstanding from time to time on the NCDs and/or the interest accrued thereon in aper our audited financial statements, our outstanding amounts of sold portfolio under bilateral assignments on current conditions and are subject to change in light of changes in external circumstances or in our timely manner or at all. Although our Company will create appropriate security in favour of the Debenturewere ` 8,130.2 million, ` 20,083.2 million,` 41,863.9 million and ` 25,875.0 million for the years financial condition, business or strategy. Our management, in response to the competitive and dynamic Trustee for the NCD holders on the assets adequate to ensure 100% asset cover for the NCDs, which shallended March 31, 2009, 2010, 2011 and as per the audited financial statements for the period ended nature of the industry, will have the discretion to revise its business plan from time to time. Any such be free from any encumbrances, the realisable value of the assets charged as security, when liquidated,September 30, 2011, respectively. The entire portfolio sold under bilateral assignments were categorised change in our plans may require rescheduling of our current plans or discontinuing existing plans and an may be lower than the outstanding principal and/or interest accrued thereon in connection with the NCDs.as a priority sector advance for the years ended March 31, 2009, 2010, partly of ` 33,737.0 million for the increase or decrease in the fund requirements for the objects, at the discretion of the management. A failure or delay to recover the expected value from a sale or disposition of the assets charged as securityyear ended March 31,2011 and partly of ` 18,970.40 million for the period ended September 30, 2011. Pending utilisation for the purposes described above, we intend to temporarily invest the funds in interest in connection with the NCDs could expose you to a potential loss.Notification issued by the RBI in February 2011, has stipulated that loans sanctioned to NBFCs for on bearing liquid instruments including deposits with banks and investments in liquid (not equity) mutual 59. If we do not generate adequate profits, we may not be able to maintain an adequate DRR for the NCDs issuedlending to individuals or other entities against gold jewellery would not be eligible for classification as funds. Such investments would be in accordance with the investment policies approved by our Board from pursuant to the Prospectus. : Section 117C of the Act states that any company that intends to issueagriculture sector advances in the context of priority sector lending guidelines issued by RBI. Accordingly, time to time. debentures must create a DRR to which adequate amounts shall be credited out of the profits of theour ability to raise capital by selling down our gold loan portfolio under bilateral assignments will be 39. We continue to be controlled by our Promoters and they will continue to have the ability to exercise company until the debentures are redeemed. The Ministry of Corporate Affairs has, through its circularhampered in the future and impact our ability to raise funds through loans from banks, which may adversely significant control over us. : Our Promoters along with relatives hold, 80.12% of our outstanding Equity dated April 18, 2002, (“Circular”), specified that the quantum of DRR to be created before the redemptionaffect our financial condition and results of operations. Shares as on December 31, 2011. As a result, our Promoters will continue to exercise significant control liability actually arises in normal circumstances should be ‘adequate’ to pay the value of the debentures28. Our ability to assess, monitor and manage risks inherent in our business differs from the standards of some over us, including being able to control the composition of our Board and determine matters requiring plus accrued interest, (if not already paid), till the debentures are redeemed and cancelled. The Circularof our counterparts in India and in some developed countries. : We are exposed to a variety of risks, including shareholder approval or approval of our Board. Our Promoters may take or block actions with respect to however further specifies that, for NBFCs like our Company, (NBFCs which are registered with the RBIliquidity risk, interest rate risk, credit risk, operational risk and legal risk. The effectiveness of our risk our business, which may conflict with our interests or the interests of our minority shareholders. By exercising under Section 45-IA of the RBI Act), the adequacy of the DRR will be 50% of the value of debenturesmanagement is limited by the quality and timeliness of available data. Our hedging strategies and other their control, our Promoters could delay, defer or cause a change of our control or a change in our capital issued through the public issue. Accordingly our Company is required to create a DRR of 50% of the valuerisk management techniques may not be fully effective in mitigating our risks in all market environments structure, delay, defer or cause a merger, consolidation, takeover or other business combination involving of debentures issued through the public issue. As further clarified by the Circular, the amount to beor against all types of risk, including risks that are unidentified or unanticipated. Some methods of us, discourage or encourage a potential acquirer from making a tender offer or otherwise attempting to credited as DRR will be carved out of the profits of the company only and there is no obligation on themanaging risks are based upon observed historical market behaviour. As a result, these methods may not obtain control of us. part of the company to create DRR if there is no profit for the particular year. Accordingly, if we are unablepredict future risk exposures, which could be greater than the historical measures indicated. Other risk 40. Our business strategy may change in the future and may be different from that which is contained herein. to generate adequate profits, the DRR created by us may not be adequate to meet the 50% of the valuemanagement methods depend upon an evaluation of information regarding markets, customers or other : Our current business strategy is to expand our branch network and increase our Gold Loan portfolio. We of the NCDs. This may have a bearing on the timely redemption of the NCDs by our Company.matters. This information may not in all cases be accurate, complete, up-to-date or properly evaluated. cannot assure you that we will continue to follow these business strategies. In the future, we may decide 60. There may be no active market for the NCDs on the retail debt market/capital market segment of the BSEManagement of operational, legal or regulatory risk requires, among other things, policies and procedures to diversify into other businesses. We may also explore opportunities for expansion into new geographic Limited. As a result the liquidity and market prices of the NCDs may fail to develop and may accordingly beto properly record and verify a number of transactions and events. Although we have established these markets outside India. We have stated our objectives for raising funds through the Issue and have set forth adversely affected. : There can be no assurance that an active market for the NCDs will develop. If an activepolicies and procedures, they may not be fully effective. Our future success will depend, in part, on our our strategy for our future business herein. However, depending on prevailing market conditions and other market for the NCDs fails to develop or be sustained, the liquidity and market prices of the NCDs may beability to respond to new technological advances and emerging financing institution and Gold Loan commercial considerations, our business model in the future may change from what is described herein. adversely affected. The market price of the NCDs would depend on various factors inter alia including (i)industry standards and practices on a cost-effective and timely basis. The development and implementation 41. Our Promoters, Directors and related entities have interests in a number of entities, which are in businesses the interest rate on similar securities available in the market and the general interest rate scenario in theof such technology entails significant technical and business risks. There can be no assurance that we will similar to ours and this may result in potential conflicts of interest with us. : Certain decisions concerning our country, (ii) the market price of our Equity Shares, (iii) the market for listed debt securities, (iv) generalsuccessfully implement new technologies or adapt our transaction-processing systems to customer operations or financial structure may present conflicts of interest among our Promoters, other shareholders, economic conditions, and, (v) our financial performance, growth prospects and results of operations. Therequirements or emerging market standards. Directors, executive officers and the holders of the NCDs. Our Promoters, Directors and related entities aforementioned factors may adversely affect the liquidity and market price of the NCDs, which may trade29. Any failure by us to identify, manage, complete and integrate acquisitions, divestitures and other significant have interests in the following entities that are engaged in businesses similar to ours: Companies: 1. at a discount to the price at which you purchase the NCDs and/or be relatively illiquid.transactions successfully could adversely affect our results of operations, business and prospects. : As part of Muthoot Vehicle & Asset Finance Limited 2. Geo Bros Muthoot Funds (India) Limited 3. Emgee Muthoot 61. There may be a delay in making refund to applicants : We cannot assure you that the monies refundableour business strategy, we may acquire complementary companies or businesses, divest non-core businesses Benefit Fund (India) Limited 4. Muthoot M George Permanent Fund Limited 5. Muthoot Gold Funds to you, on account of (i) withdrawal of your applications, (ii) our failure to receive minimum subscriptionor assets, enter into strategic alliances and joint ventures and make investments to further expand our Limited 6. Muthoot Synergy Fund Limited 7. Muthoot M George Chits (India) Limited 8. Muthoot Finance in connection with the Base Issue, (ii) withdrawal of the Issue, or (iii) failure to obtain the final approvalbusiness. In order to pursue this strategy successfully, we must identify suitable candidates for and UK Limited Partnership firms: 1. Muthoot General Finance 2. Muthoot Insurance Advisory Services 3. from the BSE for listing of the NCDs, will be refunded to you in a timely manner. We however, shall refundsuccessfully complete such transactions, some of which may be large and complex, and manage the Emgee Insurance Services 4. Geo Financial Services 5. Muthoot Bankers (Kottayam) 6. Muthoot Bankers such monies, with the interest due and payable thereon as prescribed under applicable statutory and/orintegration of acquired companies or employees. We may not fully realise all of the anticipated benefits (Quilon) 7. Muthoot Bankers (Edapally) 8. Muthoot Investments 9. Muthoot Bankers (Alleppey) 10. Muthoot regulatory provisions.of any such transaction within the anticipated time frame or at all. Any increased or unexpected costs, M George Chitty Fund 11. Muthoot M George Bankers (Trivandrum) 12. Muthoot M George Chits (Bangalore) 62. Any downgrading in credit rating of our NCDs may affect the value of NCDs and thus our ability to raiseunanticipated delays or failure to achieve contractual obligations could make such transactions less 13. Muthoot Bankers (Pathanapuram) 14. Muthoot Financiers (Pathanapuram) 15. Muthoot M George further debts. : The NCDs proposed to be issued under this Issue have been rated ‘[ICRA] AA-/Stable’ byprofitable or unprofitable. Managing business combination and investment transactions requires varying Financiers (Faridabad) 16. Muthoot Bankers (Faridabad) 17. Muthoot Bankers (Pathanamthitta) 18. Muthoot ICRA for an amount of upto ` 6,000.00 million vide its letter dated February 06, 2012 and ‘CRISIL AA-levels of management resources, which may divert our attention from other business operations, may Bankers (Cochin) 19. Muthoot Bankers (Bangalore). Commercial transactions in the future between us and /Stable’ by CRISIL for an amount of upto ` 6,000.00 million vide its letter dated February 06, 2012. Theresult in significant costs and expenses and charges to earnings. The challenges involved in integration related parties could result in conflicting interests. A conflict of interest may occur between our business rating of the NCDs by ICRA and CRISIL indicates a high degree of safety regarding timely servicing ofinclude: • combining product offerings and entering into new markets in which we are not experienced; and the business of our Promoter group companies which could have an adverse affect on our operations. financial obligations. The ratings provided by ICRA and CRISIL may be suspended, withdrawn or revised• consolidating and maintaining relationships with customers; • consolidating and rationalising transaction Conflicts of interest may also arise out of common business objectives shared by us, our Promoters, at any time by the assigning rating agency and should be evaluated independently of any other rating.processes and corporate and IT infrastructure; • integrating employees and managing employee issues; directors and their related entities. Our Promoters, directors and their related entities may compete with These ratings are not a recommendation to buy, sell or hold securities and investors should take their own us and have no obligation to direct any opportunities to us. There can be no assurance that these or other decisions. Please refer to the Prospectus for rating letter and rationale for the above rating.• coordinating and combining administrative and other operations and relationships with third parties in 63. Securities on our NCDs rank as paripassu with our Company’s secured indebtedness : Substantially allaccordance with applicable laws and other obligations while maintaining adequate standards, controls conflicts of interest will be resolved in an impartial manner. 42. We are significantly dependent on our management team and our ability to attract and retain talent. : We of our Company’s current assets represented mainly by Gold Loan receivables are being used to secureand procedures; • achieving savings from infrastructure integration; and • managing other business, our Company’s debt. As at December 31, 2011 our Company’s secured debt was ` 151,310.45 million.infrastructure and operational integration issues. Any such acquisition may also result in earnings dilution, are significantly dependent upon a core management team who oversee the day-to-day operations, strategy and growth of our businesses. Many of the key management personnel have been with us since Securities on our NCDs will rank pari passu with any of our Company’s secured obligations with respectthe amortisation of goodwill and other intangible assets or other charges to operations, any of which could to the assets that secure such obligations. The terms of the NCDs do not prevent our Company fromhave a material adverse effect on our business, financial condition or results of operations. These acquisitions our inception and have been integral to our development. Our success is largely dependent on the management team who ensure the implementation of our strategy. If one or more members of our core incurring additional debt. In addition, the NCDs will rank pari passu to the existing and future indebtednessmay give rise to unforeseen contingent risks or latent liabilities relating to these businesses that may only and other secured liabilities and obligations of our Company.become apparent after the merger or the acquisition is finalised. management team were unable or unwilling to continue in their present positions, such persons may be difficult to replace, and our business could be adversely affected. 64. Security provided for the Issue may not be enforceable : We have certain proceedings pending under the30. In order to be successful, we must attract, retain and motivate key employees, and failure to do so could IT Act before the Income Tax Appellate Tribunal. Under Section 281 of the IT Act and circular bearingadversely affect our business. : In order to be successful, we must attract, train, motivate and retain highly 43. Our employees may be the target of theft, burglary and other crimes which may adversely affect our business, operations, and ability to recruit and retain employees. : We handle large amount of cash and gold jewellery number 04/2011 dated July 19, 2011, our Company is required to obtain prior consent of the assessingskilled employees, especially branch managers and gold assessment technical personnel. If we cannot officer to create the Security provided for the Issue to the extent classified as assets under Section 281 ofhire additional personnel or retain existing qualified personnel, our ability to expand our business will be items in our daily operation and are exposed to risks of theft, burglary and other crimes. Our employees may therefore become targets of violence if they are present when these crimes are committed, and may the IT Act, during the pendency of such proceedings. We have made an application to the relevantimpaired and our revenue could decline. Hiring and retaining qualified and skilled managers and sales assessing officer seeking such prior consent on February 06, 2012. In the event that such consent is notrepresentatives are critical to our future, and competition for experienced employees in the Gold Loan sustain physical and psychological injuries as a result. We may encounter difficulties recruiting and retaining qualified employees due to this risk and our business and operations may be adversely affected. granted, the Security provided for the Issue to the extent classified as ‘Assets’ under Section 281 of theindustry can be intense. In addition, we may not be able to hire and retain enough skilled and experienced IT Act will be void as against any claim in respect of any tax or any other sum payable by the Company,employees to replace those who leave, or may not be able to re-deploy and retain our employees to keep 44. Our internal procedures, on which we rely for obtaining information on our customers and loan collateral, may be deficient and result in business losses. : We rely on our internal procedures for obtaining information including as a result of the completion of these proceedings.pace with continuing changes in technology, evolving standards and changing customer preferences. The Risks relating to the NCDsfailure to hire key executives or employees or the loss of executives and key employees could have a on our customers and loan collateral provided. In the event of lapses or deficiencies in our procedures or in their implementation, we may be subject to business or operational risk. For example, in the event that 65. The fund requirement and deployment mentioned in the Objects of the Issue have not been appraised bysignificant impact on our operations. we unknowingly receive stolen goods as collateral from a customer, the goods can be seized by authorities. any bank or financial institution : We intend to use the proceeds of the Issue, after meeting the expenditures31. Our insurance coverage may not be adequate to protect us against all potential losses to which we may be Once seized by the authorities, gold items will be stored in court storage facilities without a surety of and related to the Issue, for our various financing activities including lending and investments, subjectsubject. : We maintain insurance cover for our free hold real estate and tangible properties and infrastructure to applicable statutory and/or regulatory requirements, to repay our existing loans and our business MUTHOOT FINANCE LIMITED 7
  • 8. IN THE NATURE OF FORM 2A - MEMORANDUM CONTAINING SALIENT FEATURES OF THE PROSPECTUSoperations including for our capital expenditure and working capital requirements. For further details, see 66. Prominent Notes : • This is a public issue of NCDs aggregating upto ` 2,500 million with an option Company to the investors at large and no selective or additional information would be available for asection titled “Objects of the Issue” beginning of the Prospectus. The fund requirement and deployment to retain over-subscription upto ` 2,500 million for issuance of additional NCDs aggregating to a total section of investors in any manner whatsoever. • Investors may contact the Registrar to the Issue, Complianceis based on internal management estimates and has not been appraised by any bank or financial institution. of upto ` 5,000 million. • For details on the interest of our Company’s Directors, please refer to the sections Officer, the Lead Managers for any complaints pertaining to the Issue. In case of any specific queries onThe management will have significant flexibility in applying the proceeds received by us from the Issue. titled “Our Management” and “Capital Structure” of the Prospectus. • Our Company has entered into certain allotment/refund, Investor may contact the Registrar to the Issue. • In the event of oversubscription to theFurther, as per the provisions of the Debt Regulations, we are not required to appoint a monitoring agency related party transactions, within the meaning of AS 18 as notified by the Companies (Accounting Issue, allocation of NCDs will be as per the “Basis of Allotment” set out in the Prospectus. • Our Equityand therefore no monitoring agency has been appointed for this Issue. Standards) Rules, 2006, as disclosed in the section titled “Financial Information” of the Prospectus. • Any Shares are listed on the NSE and BSE. • As of September 30, 2011, we had certain contingent liabilities clarification or information relating to the Issue shall be made available by the Lead Managers and our not provided for, amounting to ` 3,229.35 million. For further details please refer to the Prospectus.GENERAL INFORMATIONOur Company was originally incorporated as a private limited company on March 14, 1997 under the provisions SUMMARY FINANCIAL INFORMATION COMPANY MAY DO SO PURSUANT TO INDEPENDENT INQUIRY, INVESTEGATIONof the Companies Act, 1956, with the name “The Muthoot Finance Private Limited”. Subsequently, by a fresh The following tables present an extract of Reformatted Summary Financial Statements. The Reformatted AND ANALYSIS AND SHALL NOT HAVE ANY CLAIM AGAINST THE EXCHANGEcertificate of incorporation dated May 16, 2007, our name was changed to “Muthoot Finance Private Limited”. Summary Financial Statements should be read in conjunction with the examination report thereon issued by WHATSOEVER BY REASON OF ANY LOSS WHICH MAY BE SUFFERED BY SUCHOur Company was converted into a public limited company on November 18, 2008 with the name “Muthoot our Statutory Auditors and statement of significant accounting policies and notes to accounts on the Reformatted PERSON CONSEQUENT TO OR IN CONNECTION WITH SUCH SUBSCRIPTION/Finance Limited” and received a fresh certificate of incorporation consequent to change in status on Summary Financial Statements contained, For further details please refer to the Prospectus. ACQUISITION WHETHER BY REASON OF ANYTHING STATED OR OMITTED TO BEDecember 02, 2008 from the Registrar of Companies, Kerala and Lakshadweep. Registered Office : Muthoot ANNEXURE-I: REFORMATTED SUMMARY STATEMENT OF ASSETS AND LIABILITIES STATED HEREIN OR FOR ANY OTHER REASON WHATSOEVER.Finance Limited, Muthoot Chambers, Opposite Saritha Theatre Complex, 2ndFloor, Banerji Road, Kochi 682 ` In Millions Disclaimer Clause of the RBI : THE COMPANY IS HAVING A VALID CERTIFICATE OF018 Kerala, India. • Tel: (91 484) 239 4712 • Fax: (91 484) 239 6506 • Website: www.muthootfinance.com • Particulars Sche- As at As at As at As at As at As at REGISTRATION DATED DECEMBER 12, 2008 ISSUED BY THE RESERVE BANK OFEmail: cs@muthootgroup.com • For details of change in registered office, refer to the section titled “History and dule September March March March March March INDIA UNDER SECTION 45 IA OF THE RESERVE BANK OF INDIA ACT, 1934. HOWEVER,Main Objects” of the Prospectus. Registration : Registration Number: 011300. Corporate Identity Number: No. 30, 2011 31, 2011 31, 2010 31, 2009 31, 2008 31, 2007 THE RBI DOES NOT ACCEPT ANY RESPONSIBILITY OR GUARANTEE ABOUT THEL65910KL1997PLC011300 issued by the Registrar of Companies, Kerala and Lakshadweep. Certificate of I Fixed Assets I PRESENT POSITION AS TO THE FINANCIAL SOUNDNESS OF THE COMPANY ORregistration bearing number N. 16.00167 under Section 45IA of the RBI Act, 1934 from the RBI dated Gross Block 2,911.60 2,463.34 1,691.09 1,482.66 1,215.25 646.37 FOR THE CORRECTNESS OF ANY OF THE STATEMENTS OR REPRESENTATIONSDecember 12, 2008 from the RBI to carry on the business of a non-banking financial institution without Less: Accumulated Depreciation/Amortization 760.69 627.77 449.04 320.76 222.74 149.48 MADE OR OPINIONS EXPRESSED BY THE COMPANY AND FOR REPAYMENT OFaccepting public deposits. Net Block 2,150.91 1,835.57 1,242.05 1,161.90 992.51 496.89 DEPOSITS/ DISCHARGE OF LIABILITY BY THE COMPANY.Impersonation : As a matter of abundant precaution, attention of the investors is specifically drawn to the Capital Work in Progress 473.94 505.27 290.65 131.19 93.64 135.40 Listing : The NCDs proposed to be offered in pursuance of the Prospectus will beprovisions of sub-section (1) of section 68A of the Act, relating to punishment for fictitious applications. 2,624.85 2,340.84 1,532.71 1,293.10 1,086.15 632.29 listed on the BSE. We have received the in-principle approval datedMinimum Subscription : Under the Debt Regulations, our Company is required to stipulate a minimum II Investments II 75.05 75.05 75.05 85.31 183.43 242.15 February 22, 2012 from the BSE. If permissions to deal in and for an officialsubscription amount which it seeks to raise. The consequence of minimum subscription amount not being III Deferred Tax Assets, (Net) 5.06 (24.73) (-24.84) (-37.87) (-41.73) (-47.31) quotation of our NCDs are not granted by the BSE, our Company will forthwithraised is that the Issue shall not proceed and the entire application moneys received are refunded to the IV Current Assets, Loans and Advances repay, without interest, all moneys received from the applicants in pursuance ofApplicants. If our Company does not receive the minimum subscription of 75% of the Base Issue i.e. ` 1,875 Sundry Debtors III 159.37 53.94 33.45 40.95 34.92 21.66 the Prospectus. Our Company shall ensure that all steps for the completion of themillion, prior to the Issue Closing Date, the entire subscription amount shall be refunded to the Applicants Cash and Bank Balances IV 13,322.22 13,754.95 5,759.92 8,825.32 2,580.38 563.21 necessary formalities for listing and commencement of trading at the stock exchangewithin 30 days from the date of closure of the Issue. If there is delay in the refund of subscription by more than Other Current Assets V 6,521.71 5,919.68 2,408.14 1,658.09 967.91 787.06 mentioned above are taken within 15 working days from the date of allotment. Foreight days after our Company becomes liable to refund the subscription amount, our Company will pay interest Loans and Advances VI 1,84,504.85 1,17,517.75 54,616.99 25,735.53 18,046.59 13,893.02 the avoidance of doubt, it is hereby clarified that in the event of non subscriptionfor the delayed period, at rates prescribed under sub-sections (2) and (2A) of Section 73 of the Companies Act, 2,04,508.15 1,37,246.32 62,818.49 36,259.89 21,629.80 15,264.95 to any one or more of the Options, such NCDs with Option(s) shall not be listed.1956. A= (I+II+III+IV) 2,07,213.11 1,39,637.48 64,401.41 37,600.43 22,857.65 16,092.08 Consents : For details please refer to the Prospectus.UtilisationofIssueproceeds Expert Opinion : For details please refer to the Prospectus.Our Board of Directors certifies that: • all monies received out of the Issue shall be credited/transferred to a V Liabilities and Provisions Secured Loans VII 1,34,849.95 1,02,111.55 45,471.22 30,087.45 18,400.19 13,117.52 Common form of Transfer : For details please refer to the Prospectus.separate bank account other than the bank account referred to in sub-section (3) of Section 73 of the Act; • details Minimum Subscription : For details please refer to the Prospectus.of all monies utilised out of the Issue referred above shall be disclosed under an appropriate separate head Unsecured Loans VIII 37,717.95 17,274.31 7,334.03 1,568.48 752.87 709.00 Current Liabilities IX 5,842.72 3,878.71 4,524.35 1,805.57 1,224.88 459.10 Filing of the Draft Prospectus and Prospectus : The Draft Prospectus has been filedin our balance sheet indicating the purpose for which such monies have been utilised; • details of all unutilised with the Designated Stock Exchange in terms of Regulation 7 of the Debt Regulationsmonies out of the Issue, if any, shall be disclosed under an appropriate head in our balance sheet indicating Provisions X 2,682.22 3,031.00 1,229.90 524.46 348.65 214.43the form in which such unutilised monies have been invested; and • we shall utilize the Issue proceeds only B=(V) 1,81,092.84 1,26,295.56 58,559.50 33,985.96 20,726.59 14,500.06 for dissemination on their website. A copy of the Prospectus has been filed withupon creation of security as stated in the Prospectus in the section titled “Issue Structure” of the Prospectus. NET WORTH A-B 26,120.27 13,341.92 5,841.92 3,614.47 2,131.07 1,592.03 the ROC, Kerala and Lakshadweep, in terms of Sections 56 and 60 of the Companies• the Issue proceeds shall not be utilized towards full or part consideration for the purchase or any other Net Worth Represented by Act, 1956. Debenture Redemption Reserve : For details please refer to the Prospectus.acquisition, inter alia by way of a lease, of any property. Share Capital XI Issue Related Expenses : For details please refer to the Prospectus.Issue Programme : The subscription list shall remain open at the commencement of banking hours and close - Equity Shares 3,717.13 3,202.13 3,010.00 490.00 50.00 50.00 Underwriting : This Issue has not been underwritten.at the close of banking hours for the period as indicated, with an option for early closure or extension by such Reserves and Surplus Details regarding the Company and other listed companies under the same managementperiod, as may be decided by the duly authorised committee of the Board constituted by resolution of the Board within the meaning of section 370(1B), which made any capital issue during the last - Securities Premium XII 10,570.78 2,364.77 - 755.00 275.00 275.00dated July 25, 2011. In the event of such early closure of subscription list of the Issue, our Company shall ensure three years : On May 03, 2011, our Company issued and allotted 51,500,000 equity - Statutory Reserve XIII 2,794.04 1,982.02 993.67 538.52 343.08 215.89 shares at a price of ` 175 per such Equity Share, amounting to an aggregate ofthat notice of such early closure is given on or before the day of such early date of closure through advertisement/ - Surplus/ (Deficit) in Profit and Loss Account XIV 9,043.25 5,795.20 1,841.79 1,918.75 1,555.50 1,052.04s in a leading national daily newspaper. ` 9,012,500,000 pursuant to an initial public offer under the SEBI (Issue of Capital Miscellaneous Expenditure XV (4.93) (2.21) (3.54) (87.80) (92.51) (0.90) and Disclosure Requirements) Regulations, 2009 which opened on April 18, 2011 ISSUE OPENS ON MARCH 02, 2012 (to the extent not written off) and closed on April 21, 2011. The electronic credit of the equity shares to investors NET WORTH 26,120.27 13,341.92 5,841.92 3,614.47 2,131.07 1,592.03 pursuant to the initial public offer was completed on May 04, 2011. There are no ISSUE CLOSES ON MARCH 17, 2012 ANNEXURE-II: REFORMATTED SUMMARY STATEMENT OF PROFITS AND LOSSES listed companies under the same management within the meaning of SectionCAPITAL STRUCTURE ` In Millions 370(1) (B) of the Companies Act, 1956.Detailsofsharecapital Particulars Sche- For the For the For the For the For the For the Commissions and Brokerage on previous issue : ` 151.25 million was incurred towardsThe share capital of our Company as at date of the Prospectus is set forth below: dule period year year year year year lead management fees, underwriting and selling commission in connection with Amount in ` No. ended ended ended ended ended ended the public issue of 51,500,000 equity shares at a price of ` 175 per such Equity A Authorised share capital September March March March March March Share, pursuant to an initial public offer under the SEBI (Issue of Capital and 30, 2011 31, 2011 31, 2010 31, 2009 31, 2008 31, 2007 Disclosure Requirements) Regulations, 2009. ` 127.74 million was incurred towards 450,000,000 Equity Shares 4,500,000,000 INCOME lead management fees, and selling commission in connection with the public issue 5,000,000 Redeemable Preference Shares of ` 1,000.00 each 5,000,000,000 Interest Income XVI 20,126.05 22,983.44 10,774.52 6,062.39 3,579.37 2,235.85 of 6,932,813 secured non-convertible debentures of face value ` 1,000 each TOTAL 9,500,000,000 Other Income XVII 119.39 175.24 119.28 141.63 107.01 103.80 issued at face value, pursuant to a public issue under the Debt Regulations. B Issued, subscribed and paid-up share capital Total Income 20,245.44 23,158.68 10,893.80 6,204.02 3,686.38 2,339.65 ` 75.09 million was incurred towards lead management fees, and selling commission 371,712,768 Equity Shares 3,717,127,680 in connection with the public issue of 4,593,198 secured non-convertible debentures EXPENDITURE of face value ` 1,000 each issued at face value, pursuant to a public issue underChangesintheauthorisedcapitalofourCompanyasonthedateoftheProspectus: Interest Expense XVIII 9,858.76 10,326.44 4,737.28 3,097.70 1,797.99 998.95 the Debt Regulations.DetailsofincreaseinauthorisedsharecapitalsinceincorporationFor further details please refer to the Prospectus. Personnel Expenses XIX 1,751.90 2,209.49 1,169.44 677.01 405.35 266.31 Public / Rights Issues : On May 03, 2011, our Company issued and allotted 51,500,000Notes to capital structure For further details please refer to the Prospectus. Administrative & Other Expenses XX 2,322.82 2,638.99 1,190.43 727.93 390.21 284.96 equity shares at a price of ` 175 per such Equity Share, pursuant to an initial publicShare holding pattern of our Company as on December 31, 2011For further details please refer to the Prospectus. Salary to Whole Time Directors 96.00 192.00 192.23 120.90 48.90 48.90 offer under the SEBI (Issue of Capital and Disclosure Requirements) Regulations,OBJECTS OF THE ISSUE Depreciation 133.51 179.64 148.90 98.78 74.14 70.97 2009.Issue proceeds : Our Company has filed the Prospectus for a public issue of NCDs aggregating upto ` 2,500 Total Expenditure 14,162.99 15,546.57 7,438.27 4,722.32 2,716.59 1,670.09 Previous Issue : For details please refer to the Prospectus.million with an option to retain over-subscription upto ` 2,500 million for issuance of additional NCDs aggregating Stock Market Data : For details please refer to the Prospectus.to a total of upto ` 5,000 million. The funds raised through this Issue will be utilised for our various financing Profit/(Loss) before Tax and Prior Period Items 6,082.44 7,612.11 3,455.53 1,481.70 969.78 669.57 Debentures or bonds and redeemable preference shares and other instruments issuedactivities including lending and investments, to repay our existing liabilities or loans and towards our business Prior Period Items [ Expenses / (Income)] - - - - - - by our Company and outstanding : There are certain debentures issued by ouroperations including for our capital expenditure and working capital requirements and general corporate Net Profit/(Loss) before Tax 6,082.44 7,612.11 3,455.53 1,481.70 969.78 669.57 Company which are listed on the WDM segment of the NSE and bear ISINpurposes, after meeting the expenditures of and related to the Issue and subject to applicable statutory/ Provision for tax numbers INE414G07027; INE414G07019; INE414G07035 and INE414G08181.regulatory requirements. The main objects clause of the Memorandum of Association of our Company permits Current Tax 2,052.17 2,670.45 1,192.81 507.94 336.07 207.68 No trade data is available since no trades have taken placed in these debenturesour Company to undertake its existing activities as well as the activities for which the funds are being raised in NSE, since they were listed, on May 19, 2011.through this Issue. Deferred Tax Charge/(Credit) (29.79) (0.11) (13.03) (3.86) (5.58) 17.70 Fringe Benefit Tax - - 0.42 3.32 4.40 Dividend : Our Company has no stated dividend policy. The declaration and paymentMonitoring of utilisation of funds : There is no requirement for appointment of a monitoring agency in terms of dividends on our shares will be recommended by our Board of Directors andof the SEBI Debt Regulations. The Board of Directors of our Company shall monitor the utilisation of the Total Tax Expense/(Credit) 2,022.38 2,670.34 1,179.78 504.50 333.82 229.78 Net Profit/(Loss) for the period/year as per 4,060.06 4,941.76 2,275.75 977.20 635.97 439.79 approved by our shareholders, at their discretion, and will depend on a number ofproceeds of the Issue. Our Company will disclose in the Company’s financial statements for the relevant factors, including but not limited to our profits, capital requirements and overallfinancial year commencing from FY 2012, the utilisation of the proceeds of the Issue under a separate head audited financials Adjustments to the Financial Statements - 9.41 (4.46) (5.32) (1.23) financial condition. The Company has not declared any dividend on its Equityalong with details, if any, in relation to all such proceeds of the Issue that have not been utilised thereby also Shares in the last five financial years.indicating investments, if any, of such unutilised proceeds of the Issue. Less: Deferred Tax Impact on Adjustments - - - - - considered above Revaluation of assets : The Company has not revalued its assets in the last fiveInterim use of proceeds : The management of the Company, in accordance with the policies formulated by it years.from time to time, will have flexibility in deploying the proceeds received from the Issue. Pending utilisation Adjustment of excess provision of income tax, - - 5.95 - - for earlier years written back Mechanism for redressal of investor grievances : The MoU between the Registrar toof the proceeds out of the Issue for the purposes described above, the Company intends to temporarily invest the Issue and our Company will provide for retention of records with the Registrar Net Adjustments (Refer note C of Annexure IV) - - 9.41 1.49 (5.32) (1.23)funds in high quality interest bearing liquid instruments including money market mutual funds, deposits with to the Issue for a period of at least 3 years from the last date of despatch of thebanks or temporarily deploy the funds in investment grade interest bearing securities as may be approved by Net Profit/(Loss) 4,060.06 4,941.76 2,285.16 978.69 630.65 438.56 Less: Transfer to Statutory Reserve 812.01 988.35 455.15 195.44 127.19 87.96 Allotment Advice, demat credit and refund orders to enable the investors tothe Board / Committee of Directors of the Company, as the case may be. Such investment would be in approach the Registrar to the Issue for redressal of their grievances. All grievancesaccordance with the investment policy of our Company approved by the Board or any committee thereof from Surplus/ (Deficit) brought forward from 5,795.20 1,841.79 1,918.75 1,555.50 1,052.04 705.80 previous period/year relating to the Issue may be addressed to the Registrar to the Issue, giving fulltime to time. details such as name, address of the applicant, number of NCDs applied for,Utilisation of proceeds from the NCDs allotted to NRIs, if any : We propose to offer Option II, Option III and Option Impact of reformatting of prior period expenses (4.36) relating to periods prior to 01.04.2006 amount paid on application and the bank branch or collection centre where theIV NCDs for subscription, pursuant to the Issue, to NRIs only on a non-repatriable basis. Under the provisions application was submitted. The contact details of Registrar to the Issue are as Surplus / (Deficit) available for Appropriation 9,043.25 5,795.20 3,748.76 2,338.75 1,555.50 1,052.04of the Foreign Exchange Management (Borrowing and Lending in Rupees) Regulations, 2000, any monies follows: Link Intime India Private Limited, C-13, Pannalal Silk Mills Compound, L.B.S.borrowed from a person resident outside India cannot be used: (a) for any purpose except in ones own business Appropriation: Issue of Bonus Shares - 1,765.00 420.00 - - Marg, Bhandup (West), Mumbai 400 078, India.• Tel: (91 22) 2596 0320 • Fax: (91other than (i) the business of chit fund, (ii) as Nidhi Company, (iii) agricultural or plantation activities or real 22) 2596 0329 • Toll Free: 1-800-22-0320 • Email: mfl.ipo@linkintime.co.in • Investorestate business; or construction of farm houses; or (iv) trading in Transferable Development Rights (TDRs); or Reduction on account of demerger of radio business - 141.98 - - -(b) for any investment, whether by way of capital or otherwise, in any company or partnership firm or proprietorship Surplus/ (Deficit) carried to Balance Sheet 9,043.25 5,795.20 1,841.79 1,918.75 1,555.50 1,052.04 Grievance Email: mfl.ipo@linkintime.co.in • Website: www.linkintime.co.in • Contactconcern or any entity, whether incorporated or not, or for the purpose of re-lending. To ensure compliance with Person: Sachin Achar • SEBI Registration No.: INR000004058. We estimate that For further details please refer to the Prospectus. the average time required by us or the Registrar to the Issue for the redressal ofthe above, our Company shall open and maintain a separate account with the Escrow Collection Bank(s) in DISCLOSURES ON EXISTING FINANCIAL INDEBTEDNESS routine investor grievances will be 7 (seven) business days from the date of receiptconnection with all application monies received from NRIs, (“Special Account”). All application monies received A. Details of Secured Borrowings: Our Company’s secured borrowings as onfrom NRI applicants shall be deposited in the Special Account maintained with any of the Bankers to the Issue. of the complaint. In case of non-routine complaints and complaints where external December 31, 2011 amount to ` 151,310.45 million. For further details please agencies are involved, we will seek to redress these complaints as expeditiouslyUpon creation of security as disclosed in the Prospectus, the Escrow Collection Bank(s) shall transfer the monies refer to the Prospectus.from the Special Account to a separate bank account, (“NRI Account”), which shall be different from the Public as possible. Rajesh A has been appointed as the Compliance Officer of our B. Details of Unsecured Loans: For details please refer to the Prospectus. Company for this issue. The contact details of Compliance Officer of our CompanyIssue Account. Our Company shall at all times ensure that any monies kept in the Special Account and/or the C. Restrictive Covenants under our Financing Arrangements: For details please referNRI Account shall be utilised only in accordance with and subject to the restrictions contained in the Foreign are as follows: Rajesh A., Muthoot Chambers, Opposite Saritha Theatre Complex, to the Prospectus. 2nd Floor, Banerji Road, Kochi 682 018, Kerala, India. • Tel: (91 484) 353 5533 •Exchange Management (Borrowing and Lending in Rupee) Regulations, 2000, and other applicable statutory LEGAL AND OTHER INFORMATIONand/or regulatory requirements. Fax: (91 484) 2396506 • E-mail: cs@muthootgroup.com. Investors may contact PENDING PROCEEDINGS AND STATUTORY DEFAULTS the Registrar to the Issue or the Compliance Officer in case of any pre-issue orOther confirmations : In accordance with the SEBI Debt Regulations, our Company will not utilise the proceeds As on the date of the Prospectus, there are no defaults in meeting statutory dues,of the Issue for providing loans to or acquisition of shares of any person who is a part of the same group as our post Issue related issues such as non-receipt of Allotment Advice, demat credit, institutional dues, and towards holders of instrument like debentures, fixed deposits refund orders or interest on application money.Company or who is under the same management as our Company or any subsidiary of our Company. The Issue and arrears on cumulative preference shares, etc, by our Company or by publicproceeds shall not be utilised towards full or part consideration for the purchase or any other acquisition, inter Change in Auditors of our Company during the last three years : There has been no companies promoted by the Promoters and listed on the BSE or NSE. For further change(s) in the Statutory Auditors of our Company in the last 3 (three) financialalia by way of a lease, of any property. No part of the proceeds from this Issue will be paid by us as consideration details please refer to the Prospectus.to our Promoter, our Directors, Key Managerial Personnel, or companies promoted by our Promoter except in years preceding the date of the Prospectus. OTHER REGULATORY AND STATUTORY DISCLOSURES MATERIAL CONTRACTS AND DOCUMENTS FOR INSPECTION : For details pleasethe usual course of business. Further the Company undertakes that Issue proceeds from NCDs allotted to banks Authority for the Issue : At the meeting of the Board of Directors of our Company,shall not be used for any purpose, which may be in contravention of the RBI guidelines on bank financing to refer to the Prospectus. held on January 31, 2012 the Directors approved the issue of NCDs to the public DECLARATION : We, the Directors of the Company, certify that all the relevantNBFCs including those relating to classification as capital market exposure or any other sectors that are upto an amount not exceeding ` 7,000 million.prohibited under the RBI regulations. provisions of the Companies Act, 1956 and the guidelines issued by the Government Prohibition by SEBI : Our Company, persons in control of our Company and/or our of India or the guidelines issued by the Securities and Exchange Board of IndiaSTATEMENT OF TAX BENEFITS : For details please refer to the Prospectus. Promoters have not been restrained, prohibited or debarred by SEBI from accessingINDUSTRY : For details please refer to the Prospectus. established under Section 3 of the Securities and Exchange Board of India Act, the securities market or dealing in securities and no such order or direction is in 1992, as the case may be, have been complied with. We further certify that theOUR BUSINESS force. Further, no member of our promoter group has been prohibited or debarredOverview : We are the largest gold financing company in India in terms of loan portfolio, according to the 2010 disclosures made in the Prospectus are true and correct and in conformity with by SEBI from accessing the securities market or dealing in securities due to fraud. Schedule II of the Companies Act, 1956, Schedule I of SEBI (Issue and Listing ofupdate to the IMaCS Research & Analytics Industry Reports, Gold Loans Market in India, 2009 (“IMaCS Industry Disclaimer Clause of the BSE : BSE LIMITED (“THE EXCHANGE”) HAS GIVEN VIDEReport, (2010 Update)”). For further details please refer to the Prospectus. Debt Securities) Regulations, 2008, and the Listing Agreement to be executed with ITS LETTER DATED FEBRUARY 22, 2012, PERMISSION TO THIS COMPANY TO USE the stock exchanges, and no statement made in the Prospectus is contrary to theHISTORY AND MAIN OBJECTS THE EXCHANGE’S NAME IN THIS OFFER DOCUMENT AS ONE OF THE STOCKBrief background of our Company : For details please refer to the Prospectus. provisions of the Companies Act, 1956 or the Securities and Exchange Board of EXCHANGES ON WHICH THIS COMPANY’S SECURITIES ARE PROPOSED TO BE India Act, 1992 or rules, guidelines and circulars issued thereunder.Main objects of our Company : For details please refer to the Prospectus. LISTED. THE EXCHANGE HAS SCRUTINIZED THIS OFFER DOCUMENT FOR ITSOUR MANAGEMENT : Board of Directors - The general superintendence, direction and management SIGNED BY ALL DIRECTORS: LIMITED INTERNAL PURPOSE OF DECIDING ON THE MATTER OF GRANTING THE M. G. George Muthoot Whole Time Director and Chairman, George Thomas Muthootof our affairs and business are vested in our Board of Directors. We have not appointed any ‘manager’ within AFORESAID PERMISSION TO THIS COMPANY. THE EXCHANGE DOES NOT IN ANYthe meaning thereof under the provisions of the Act. Under the Articles of Association, we are required to have Whole Time Director, George Jacob Muthoot Whole Time Director, George Alexander MANNER: a. WARRANT, CERTIFY OR ENDORSE THE CORRECTNESS OR Muthoot Managing Director, P. George Varghese Independent Director K. John Mathewnot less than three Directors and not more than 12 Directors. We currently have 8 Directors on the Board out COMPLETENESS OF ANY OF THE CONTENTS OF THIS OFFER DOCUMENT; OR b.of which 4 Directors, i. e. 50% of the total strength of Directors are independent directors. For further details Independent Director, John K Paul Independent Director, George Joseph Independentplease refer to the Prospectus. WARRANT THAT THIS COMPANY’S SECURITIES WILL BE LISTED OR WILL CONTINUE Director • Date : February 23, 2012 • Place : Kochi, India.OUR PROMOTER TO BE LISTED ON THE EXCHANGE; OR c. TAKE ANY RESPONSIBILITY FOR THEProfile of our Promoters : The following individuals are the Promoters of the Company: 1. M.G. George Muthoot; FINANCIAL OR OTHER SOUNDNESS OF THIS COMPANY, ITS PROMOTERS, ITS2. George Thomas Muthoot; 3. George Jacob Muthoot; and 4. George Alexander Muthoot; For additional MANAGEMENT OR ANY SCHEME OR PROJECT OF THIS COMPANY. AND IT SHOULD FOR FURTHER DETAILS, PLEASE REFER TO THE PROSPECTUSdetails on the age, background, personal address, educational qualifications, experience, experience in the NOT FOR ANY REASON BE DEEMED OR CONSTRUED THAT THIS OFFER DOCUMENTbusiness of the Company, positions/posts held in the past, terms of appointment as Directors and other HAS BEEN CLEARED OR APPROVED BY THE EXCHANGE. EVERY PERSON WHOdirectorships of our Promoters, For further details please refer to the Prospectus. DESIRES TO APPLY FOR OR OTHERWISE ACQUIRES ANY SECURITIES OF THIS 8 MUTHOOT FINANCE LIMITED

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