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![APPLICATION FORM
MUTHOOT FINANCE LIMITED (ONLY FOR RESIDENT APPLICANTS)
Our Company was originally incorporated as a private limited company on March 14, 1997 under the provisions of the Companies Act, 1956, with the
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 : THURSDAY, DECEMBER 22, 2011
“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, JANUARY 07, 2012
and Lakshadweep.For further details regarding changes to the name and registered office of our Company, see section titled “History and Main Objects”
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. Application No. 75001372
Company Secretary and Compliance Officer:Rajesh A.; Tel: (91 484) 353 5533; Fax: (91 484) 239 6506; E-mail: cs@muthootgroup.com
PUBLIC ISSUE BY MUTHOOT FINANCE LIMITED, (“COMPANY” OR “ISSUER”) OF SECURED NON-CONVERTIBLE DEBENTURES OF FACE VALUE OF ` 1,000 EACH,
(“NCDs”), AGGREGATING UPTO ` 3,000 MILLION WITH AN OPTION TO RETAIN OVER-SUBSCRIPTION UPTO ` 3,000 MILLION FOR ISSUANCE OF ADDITIONAL NCDS
AGGREGATING TO A TOTAL OF UPTO ` 6,000 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 /Co-Lead Manager’s/Broker’s Name & Code Sub-Broker’s/ Agent’s Code Bank Branch Stamp Bank Branch Serial No. Date of Receipt
KSBL
23/07701-38 310109
310109
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 December 16, 2011, (“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)
Public Financial Institution Commercial / Co-operative / Regional Rural Bank Provident Fund, Pension Fund, Superannuation Fund and Gratuity Fund National Investment Fund
Category I
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
Partnership Firms in the name of the partner Limited liabiity partnership 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 Exchanges proposed : BSE, which is also the
Face Value & Issue Price (` / NCD) (A) ` 1,000 ` 1,000 ` 1,000 ` 1,000 for listing of the NCDs Designated Stock Exchange
Issuance and Trading : Compulsorily in dematerialised form
Minimum Application ` 5,000/- (5 NCDs) (for all options of NCDs, namely Options I, Trading Lot : 1 (one) NCD
Option II, Option III and Option IV either taken individually or collectively)
Depositories : NSDL and CDSL
In Multiples of ` 1,000 (1 NCD) Security : Security for the purpose of this Issue will be created in accordance with the terms
of the Debenture Trust Deed. For further details please refer to the section titled “Issue
Credit Rating - ICRA ‘[ICRA] AA-/Stable’ for an amount of upto ` 6,000 Million Structure” of the Prospectus.
Credit Rating - CRISIL ‘CRISIL AA-/Stable’ for an amount of upto ` 6,000 Million Rating : For further details please refer to the Prospectus.
Issue Schedule* : The Issue shall be open from December 22, 2011 to January 07, 2012.
Coupon (%) per annum *The subscription list shall remain open for a period as indicated,
Coupon Rate (%) for NCD Holders in Category I 13.00% 13.25% 13.25% N.A with an option for early closure or extension by such period, up
to a period of 30 days from date of opening of the Issue, as may
Coupon Rate (%) for NCD Holders in Category II 13.00% 13.25% 13.25% N.A be decided by the duly authorised committee of the
Boardconstituted by resolution of the Board dated July 25, 2011.
Coupon Rate (%) for NCD Holders in Category III 13.00% 13.25% 13.25% N.A In the event of such early closure of subscription list of the Issue,
our Company shall ensure that notice of such early closure is
Effective Yield (%) (per annum) given on or before the day of such early date of closure through
advertisement/s in a leading national daily newspaper.
Effective Yield (%) for NCD Holders in Category I 13.00% 13.25% 13.25% 13.43%
Interest on Application Money : 8% per Annum from the date of realization of the cheque(s)/
Effective Yield (%) for NCD Holders in Category II 13.00% 13.25% 13.25% 13.43% demand draft(s) or after 3 (three) days from the date of receipt of the application, whichever is
later. For further details please see General Instruction no. 36.
Effective Yield (%) for NCD Holders in Category III 13.00% 13.25% 13.25% 13.43% Interest on Refund Money : 8% per Annum from the date of realization of the cheque(s)/
demand draft(s) or after 3 (three) days from the date of receipt of the application, whichever is
Tenor 24 months 36 months 60 months 66 months later, subject to not being an invalid or withdrawn application. For further details please see
General Instruction no. 36.
Redemption Date 24 months from the 36 months from the 60 months from the 66 months from the Pay-in Date : 3 (Three) Business Days from the date of reciept of application or the date of
Deemed Date Deemed Date Deemed Date Deemed Date realisation of the cheques/demand drafts, whichever is later.
of Allotment of Allotment of Allotment of Allotment Deemed Date of Allotment : The date as decided by the duly authorised committee of the
Redemption Amount (Per NCD) Repayment of the Face Value plus any interest that ` 2,000 Board constituted by resolution of the Board dated July 25, 2011, and as mentioned on the
may have accrued at the Redemption Date. Allotment Advice / regret.
Submission of Application Forms : All Application Forms duly completed together with
cheque/bank draft for the amount payable on application must be delivered before the closing
No of NCDs applied for (B) of the subscription list to any of the Bankers to the Issue or collection centre(s)/agent(s) as
may be specified before the closure of the Issue. Applicants at centres not covered by the
branches of collecting banks can send their forms together with a cheque/draft drawn on/
Amount Payable (`) (A x B) payable at a local bank in Mumbai to the Registrar to the Issue by registered post. For the
purposes of the basis of allotment, the date on which the cheque is received by the Registrar
pursuant to an Application, shall be deemed to be the date on which the Application was
Total Number of NCDs (I+II+III+IV) made. For further details please see General Instruction no. 42A.
Additional Applications : An applicant is allowed to make one or more applications for the
Grand Total (I+II+III+IV) (` ) NCDs for the same or other series of NCDs. For further details please see General Instruction
no. 45B.
PAYMENT DETAILS (See General Instruction no. 42G)
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. 42E
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
75001372
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 Bank's 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.](https://image.slidesharecdn.com/muthootfinancelimitedncdapplicationformdec2011-jan2012-111227010145-phpapp02/85/Muthoot-finance-limited-ncd-application-form-dec-2011-jan-2012-1-320.jpg)
![APPLICATION FORM
MUTHOOT FINANCE LIMITED (ONLY FOR RESIDENT APPLICANTS)
Our Company was originally incorporated as a private limited company on March 14, 1997 under the provisions of the Companies Act, 1956, with the
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 : THURSDAY, DECEMBER 22, 2011
“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, JANUARY 07, 2012
and Lakshadweep.For further details regarding changes to the name and registered office of our Company, see section titled “History and Main Objects”
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. Application No. 75001372
Company Secretary and Compliance Officer:Rajesh A.; Tel: (91 484) 353 5533; Fax: (91 484) 239 6506; E-mail: cs@muthootgroup.com
PUBLIC ISSUE BY MUTHOOT FINANCE LIMITED, (“COMPANY” OR “ISSUER”) OF SECURED NON-CONVERTIBLE DEBENTURES OF FACE VALUE OF ` 1,000 EACH,
(“NCDs”), AGGREGATING UPTO ` 3,000 MILLION WITH AN OPTION TO RETAIN OVER-SUBSCRIPTION UPTO ` 3,000 MILLION FOR ISSUANCE OF ADDITIONAL NCDS
AGGREGATING TO A TOTAL OF UPTO ` 6,000 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 /Co-Lead Manager’s/Broker’s Name & Code Sub-Broker’s/ Agent’s Code Bank Branch Stamp Bank Branch Serial No. Date of Receipt
KSBL
23/07701-38 310109
310109
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 December 16, 2011, (“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)
Public Financial Institution Commercial / Co-operative / Regional Rural Bank Provident Fund, Pension Fund, Superannuation Fund and Gratuity Fund National Investment Fund
Category I
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
Partnership Firms in the name of the partner Limited liabiity partnership 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 Exchanges proposed : BSE, which is also the
Face Value & Issue Price (` / NCD) (A) ` 1,000 ` 1,000 ` 1,000 ` 1,000 for listing of the NCDs Designated Stock Exchange
Issuance and Trading : Compulsorily in dematerialised form
Minimum Application ` 5,000/- (5 NCDs) (for all options of NCDs, namely Options I, Trading Lot : 1 (one) NCD
Option II, Option III and Option IV either taken individually or collectively)
Depositories : NSDL and CDSL
In Multiples of ` 1,000 (1 NCD) Security : Security for the purpose of this Issue will be created in accordance with the terms
of the Debenture Trust Deed. For further details please refer to the section titled “Issue
Credit Rating - ICRA ‘[ICRA] AA-/Stable’ for an amount of upto ` 6,000 Million Structure” of the Prospectus.
Credit Rating - CRISIL ‘CRISIL AA-/Stable’ for an amount of upto ` 6,000 Million Rating : For further details please refer to the Prospectus.
Issue Schedule* : The Issue shall be open from December 22, 2011 to January 07, 2012.
Coupon (%) per annum *The subscription list shall remain open for a period as indicated,
Coupon Rate (%) for NCD Holders in Category I 13.00% 13.25% 13.25% N.A with an option for early closure or extension by such period, up
to a period of 30 days from date of opening of the Issue, as may
Coupon Rate (%) for NCD Holders in Category II 13.00% 13.25% 13.25% N.A be decided by the duly authorised committee of the
Boardconstituted by resolution of the Board dated July 25, 2011.
Coupon Rate (%) for NCD Holders in Category III 13.00% 13.25% 13.25% N.A In the event of such early closure of subscription list of the Issue,
our Company shall ensure that notice of such early closure is
Effective Yield (%) (per annum) given on or before the day of such early date of closure through
advertisement/s in a leading national daily newspaper.
Effective Yield (%) for NCD Holders in Category I 13.00% 13.25% 13.25% 13.43%
Interest on Application Money : 8% per Annum from the date of realization of the cheque(s)/
Effective Yield (%) for NCD Holders in Category II 13.00% 13.25% 13.25% 13.43% demand draft(s) or after 3 (three) days from the date of receipt of the application, whichever is
later. For further details please see General Instruction no. 36.
Effective Yield (%) for NCD Holders in Category III 13.00% 13.25% 13.25% 13.43% Interest on Refund Money : 8% per Annum from the date of realization of the cheque(s)/
demand draft(s) or after 3 (three) days from the date of receipt of the application, whichever is
Tenor 24 months 36 months 60 months 66 months later, subject to not being an invalid or withdrawn application. For further details please see
General Instruction no. 36.
Redemption Date 24 months from the 36 months from the 60 months from the 66 months from the Pay-in Date : 3 (Three) Business Days from the date of reciept of application or the date of
Deemed Date Deemed Date Deemed Date Deemed Date realisation of the cheques/demand drafts, whichever is later.
of Allotment of Allotment of Allotment of Allotment Deemed Date of Allotment : The date as decided by the duly authorised committee of the
Redemption Amount (Per NCD) Repayment of the Face Value plus any interest that ` 2,000 Board constituted by resolution of the Board dated July 25, 2011, and as mentioned on the
may have accrued at the Redemption Date. Allotment Advice / regret.
Submission of Application Forms : All Application Forms duly completed together with
cheque/bank draft for the amount payable on application must be delivered before the closing
No of NCDs applied for (B) of the subscription list to any of the Bankers to the Issue or collection centre(s)/agent(s) as
may be specified before the closure of the Issue. Applicants at centres not covered by the
branches of collecting banks can send their forms together with a cheque/draft drawn on/
Amount Payable (`) (A x B) payable at a local bank in Mumbai to the Registrar to the Issue by registered post. For the
purposes of the basis of allotment, the date on which the cheque is received by the Registrar
pursuant to an Application, shall be deemed to be the date on which the Application was
Total Number of NCDs (I+II+III+IV) made. For further details please see General Instruction no. 42A.
Additional Applications : An applicant is allowed to make one or more applications for the
Grand Total (I+II+III+IV) (` ) NCDs for the same or other series of NCDs. For further details please see General Instruction
no. 45B.
PAYMENT DETAILS (See General Instruction no. 42G)
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. 42E
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
75001372
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 Bank's 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.](https://image.slidesharecdn.com/muthootfinancelimitedncdapplicationformdec2011-jan2012-111227010145-phpapp02/75/Muthoot-finance-limited-ncd-application-form-dec-2011-jan-2012-1-2048.jpg)
![IN THE NATURE OF FORM 2A - MEMORANDUM CONTAINING SALIENT FEATURES OF THE PROSPECTUS
asset base, we will be required to raise additional Tier I and Tier II capital in order to continue to meet alliances and joint ventures and make investments to further expand our business. In order to pursue this strategies. In the future, we may decide to diversify into other businesses. We may also explore opportunities
applicable capital adequacy ratios with respect to our business of Gold Loans. There can be no assurance strategy successfully, we must identify suitable candidates for and successfully complete such transactions, for expansion into new geographic markets outside India. We have stated our objectives for raising funds
that we will be able to raise adequate additional capital in the future on terms favourable to us, or at all, some of which may be large and complex, and manage the integration of acquired companies or employees. through the Issue and have set forth our strategy for our future business herein. However, depending on
and this may adversely affect the growth of our business. We may not fully realise all of the anticipated benefits of any such transaction within the anticipated prevailing market conditions and other commercial considerations, our business model in the future may
20. If we fail to maintain effective internal control over financial reporting in the timeframe or at all. Any increased or unexpected costs, unanticipated delays or failure to achieve contractual change from what is described herein.
future, the accuracy and timing of our financial reporting may be adversely affected. obligations could make such transactions less profitable or unprofitable. Managing business combination 41. Our Promoters, Directors and related entities have interests in a number of entities,
We have taken steps intended to enhance our internal controls commensurate to the size of our business, and investment transactions requires varying levels of management resources, which may divert our which are in businesses similar to ours and this may result in potential conflicts of
primarily through the formation of a designated internal audit team with additional technical accounting attention from other business operations, may result in significant costs and expenses and charges to interest with us. Certain decisions concerning our operations or financial structure may present
and financial reporting experience. However, certain matters such as fraud and embezzlement cannot be earnings. The challenges involved in integration include: • combining product offerings and entering into conflicts of interest among our Promoters, other shareholders, Directors, executive officers and the holders
eliminated entirely given the cash nature of our business. While we expect to remedy any such issues, we new markets in which we are not experienced; • consolidating and maintaining relationships with customers; of the NCDs. Our Promoters, Directors and related entities have interests in the following entities that are
cannot assure you that we will be able to do so in a timely manner, which could impair our ability to • consolidating and rationalising transaction processes and corporate and IT infrastructure; • integrating engaged in businesses similar to ours: Companies: 1. Muthoot Vehicle & Asset Finance Limited 2. Geo
accurately and timely report our financial position, results of operations or cash flows. employees and managing employee issues; • coordinating and combining administrative and other Bros Muthoot Funds (India) Limited 3. EmgeeMuthoot Benefit Fund (India) Limited 4. Muthoot M George
21. We may experience difficulties in expanding our business into additional operations and relationships with third parties in accordance with applicable laws and other obligations Permanent Fund Limited 5. Muthoot Gold Funds Limited 6. Muthoot Synergy Fund Limited 7. Muthoot
geographical markets in India. While the Gold Loans markets in the South Indian States of Kerala while maintaining adequate standards, controls and procedures; • achieving savings from infrastructure M GeorgeChits (India) Limited 8. Muthoot Finance UK Limited Partnership firms: 1. Muthoot General
Tamil Nadu, Andhra Pradesh and Karnataka remains and is expected to remain our primary strategic integration; and • managing other business, infrastructure and operational integration issues. Any such Finance 2. Muthoot Insurance Advisory Services 3. Emgee Insurance Services 4. Geo Financial Services
focus, we also evaluate attractive growth opportunities in other regions in India and have expanded our acquisition may also result in earnings dilution, the amortisation of goodwill and other intangible assets 5. Muthoot Bankers (Kottayam) 6. Muthoot Bankers (Quilon) 7. Muthoot Bankers (Edapally) 8. Muthoot
operations in the northern, western and eastern states of India. We may not be able to leverage our or other charges to operations, any of which could have a material adverse effect on our business, financial Investments 9. Muthoot Bankers (Alleppey) 10. Muthoot M George Chitty Fund 11.Muthoot M George
experience in southern India to expand our operations in other regions, should we decide to further expand condition or results of operations. These acquisitions may give rise to unforeseen contingent risks or latent Bankers (Trivandrum) 12. Muthoot M George Chits (Bangalore) 13. Muthoot Bankers (Pathanapuram) 14.
our operations. Factors such as competition, culture, regulatory regimes, business practices and customs, liabilities relating to these businesses that may only become apparent after the merger or the acquisition Muthoot Financiers (Pathanapuram) 15.Muthoot M George Financiers (Faridabad) 16.Muthoot Bankers
customer tastes, behavior and preferences in these cities where we may plan to expand our operations may is finalised. For further details please refer to the Prospectus. (Faridabad) 17.Muthoot Bankers (Pathanamthitta) 18. Muthoot Bankers (Cochin) 19. Muthoot Bankers
differ from those in south Indian states of Kerala, Tamil Nadu, Andhra Pradesh and Karnataka and our 30. In order to be successful, we must attract, retain and motivate key employees, (Bangalore) Commercial transactions in the future between us and related parties could result in conflicting
experience in the States of Kerala, Tamil Nadu, Andhra Pradesh and Karnataka may not be applicable and failure to do so could adversely affect our business. In order to be successful, we must interests. A conflict of interest may occur between our business and the business of our Promoter group
to these geographies. In addition, as we enter new markets and geographical areas, we are likely to attract, train, motivate and retain highly skilled employees, especially branch managers and gold assessment companies which could have an adverse affect on our operations. Conflicts of interest may also arise out of
compete not only with other large banks and financial institutions in the Gold Loan business, but also the technical personnel. If we cannot hire additional personnel or retain existing qualified personnel, our common business objectives shared by us, our Promoters, directors and their related entities. Our Promoters,
local unorganised or semi-organised lenders, who are more familiar with local conditions, business ability to expand our business will be impaired and our revenue could decline. Hiring and retaining directors and their related entities may compete with us and have no obligation to direct any opportunities
practices and customs, have stronger relationships with customers and may have a more established brand qualified and skilled managers and sales representatives are critical to our future, and competition for to us. There can be no assurance that these or other conflicts of interest will be resolved in an impartial manner.
name. If we plan to expand our geographical footprint, our business may be exposed to various additional experienced employees in the Gold Loan industry can be intense. In addition, we may not be able to hire 42. We are significantly dependent on our management team and our ability to attract
challenges, including obtaining necessary governmental approvals, identifying and collaborating with and retain enough skilled and experienced employees to replace those who leave, or may not be able to and retain talent. We are significantly dependent upon a core management team who oversee the
local business partners with whom we may have no previous working relationship; successfully gauging re-deploy and retain our employees to keep pace with continuing changes in technology, evolving standards day-to-day operations, strategy and growth of our businesses. Many of the key management personnel
market conditions in local markets with which we have no previous familiarity; attracting potential customers and changing customer preferences. The failure to hire key executives or employees or the loss of executives have been with us since our inception and have been integral to our development. Our success is largely
in a market in which we do not have significant experience or visibility; being susceptible to local taxation and key employees could have a significant impact on our operations. dependent on the management team who ensure the implementation of our strategy. If one or more
in additional geographical areas of India; and adapting our marketing strategy and operations to different 31. Our insurance coverage may not be adequate to protect us against all potential members of our core management team were unable or unwilling to continue in their present positions,
regions of India in which other languages are spoken. Our inability to expand our current operations may losses to which we may be subject. We maintain insurance cover for our free hold real estate such persons may be difficult to replace, and our business could be adversely affected.
adversely affect our business prospects, financial conditions and results of operations. and tangible properties and infrastructure at all owned and leased premises which provides insurance 43. Our employees may be the target of theft, burglary and other crimes which may
22. System failures or inadequacy and security breaches in computer systems may cover against loss or damage by fire, earthquake, lightning, riot, strike, storm, flood, explosion, aircraft adversely affect our business, operations, and ability to recruit and retain employees.
adversely affect our business. Our business is increasingly dependent on our ability to process, damage, rock slide and missile testing. Further we maintain insurance cover for employee fidelity, cash We handle large amount of cash and gold jewellery items in our daily operation and are exposed to risks
on a daily basis, a large number of transactions. Our financial, accounting or other data processing systems and gold in the office premises and in transit which provides insurance cover against loss or damage by of theft, burglary and other crimes. Our employees may therefore become targets of violence if they are
may fail to operate adequately or become disabled as a result of events that are wholly or partially beyond employee theft, burglary, house breaking and hold up. The aggregate insured value covered by the various present when these crimes are committed, and may sustain physical and psychological injuries as a result.
our control, including a disruption of electrical or communications services. If any of these systems do not insurance policies we have subscribed may be less than the replacement cost of all covered property and We may encounter difficulties recruiting and retaining qualified employees due to this risk and our
operate properly or are disabled or if there are other shortcomings or failures in our internal processes or may not be sufficient to cover all financial losses that we may suffer should a risk materialise. Further, there business and operations may be adversely affected.
systems, it could affect our operations or result in financial loss, disruption of our businesses, regulatory are many events that could significantly impact our operations, or expose us to third-party liabilities, for 44. Our internal procedures, on which we rely for obtaining information on our
intervention or damage to our reputation. For further details please refer to the Prospectus. which we may not be adequately insured. If we were to incur a significant liability for which we were not customers and loan collateral, may be deficient and result in business losses. We rely
23. We may not be able to maintain our current levels of profitability due to increased fully insured, it could have a material adverse effect on our results of operations and financial position. on our internal procedures for obtaining information on our customers and loan collateral provided. In the
costs or reduced spreads. Our business involves a large volume of small-ticket size loans and 32. Our results of operations could be adversely affected by any disputes with our event of lapses or deficiencies in our procedures or in their implementation, we may be subject to business
requires manual operational support. Hence, we require dedicated staff or providing our services.In order employees. As of September 30, 2011, we employed 21,543 persons in our operations. Currently our or operational risk.For example, in the event that we unknowingly receive stolen goods as collateral from
to grow our portfolio, our expanded operations will also increase our manpower requirements and push employees do not belong to any labour union. We do not engage any long term contract employees. While a customer, the goods can be seized by authorities.Once seized by the authorities, gold items will be stored
up operational costs.Our growth will also require a relatively higher gross spread, or margin, on the we believe that we maintain good relationships with our employees, there can be no assurance that we in court storage facilities without a surety arrangement. No recourse will generally be available to Company
consumer lending products we offer in order to maintain profitability. There can be no assurance that we will not experience future disruptions to our operations due to disputes or other problems with our work in the event of such seizure, except the recovery of the loss from the customer.
will be able to maintain our current levels of profitability if the gross spreads on our consumer lending force, which may adversely affect our business and results of operations. 45. We do not own our branches of operation. Except for 14 branch offices, which are owned
products were to reduce substantially, which could adversely affect our results of operations. 33. Our inability to obtain, renew or maintain our statutory and regulatory permits by us, all our branches are located on leased premises.If any of the owners of these premises does not
24. Our ability to access capital also depends on our credit ratings. The cost and availability and approvals required to operate our business may have a material adverse effect renew an agreement under which we occupy the premises, or if any of the owners seeks to renew an
of capital is also dependent on our short-term and long-term credit ratings. We have been assigned on our business. NBFCs in India are subject to strict regulations and supervision by the RBI. In agreement on terms and conditions unfavorable to us, we may suffer a disruption in our operations or
an”[ICRA]A1+” rating by ICRA for commercial paper and for short-term non-convertible debentures of ` addition to the numerous conditions required for the registration as a NBFC with the RBI, we are required increased costs, or both, which may adversely affect our business and results of operations.
2,000.0 million, and a “CRISIL A1+” rating by CRISIL for short term debt instruments of ` 40,000.0 to maintain certain statutory and regulatory permits and approvals for our business. In the future, we will 46. Some of the lease agreements entered into by our Company with respect to our
million. We have been assigned a “CRISIL AA-/Stable” rating by CRISIL for our ` 5,000.0 million non- be required to renew such permits and approvals and obtain new permits and approvals for any proposed immovable properties may not be duly registered or adequately stamped, which
convertible debentures and our ` 1,000.0 million subordinated debt.ICRA hasassigned an”[ICRA]AA-/ operations. There can be no assurance that the relevant authorities will issue any of such permits or may adversely affect our operations. Some of our lease agreements with respect to our
Stable” rating for our ` 2,000.0 million non-convertible debentures and our ` 1,000.0 million subordinated approvals in the time-frame anticipated by us or at all. Failure by us to renew, maintain or obtain the immovable properties may not be adequately stamped or duly registered. Unless such documents are
debt.We have been assigned a long-term rating of “[ICRA]AA-/Stable” and a short-term rating of “[ICRA]A1+” required permits or approvals may result in the interruption of our operations and may have a material adequately stamped or duly registered, such documents may be rendered as inadmissible as evidence in
by ICRA for our ` 60,000 million line of credit. Ratings reflect a rating agency’s opinion of our financial adverse effect on our business, financial condition and results of operations. In addition, our branches are a court in India or attract penalty as prescribed under applicable law, which may result in a material
strength, operating performance, strategic position, and ability to meet our obligations. While our recent required to be registered under the relevant shops and establishments laws of the states in which they are adverse effect on the continuance of the operations and business of our Company.
credit ratings have been positive, any downgrade of our credit ratings would increase borrowing costs and located. The shops and establishment laws regulate various employment conditions, including working EXTERNAL RISK FACTORS
constrain our access to capital and lending markets and, as a result, would negatively affect our business. hours, holidays and leave and overtime compensation.Some of our branches have not applied for such Risk factors related to India
In addition, downgrades of our credit ratings could increase the possibility of additional terms and conditions registration while other branches still have applications for registration pending. If we fail to obtain or 47. Political instability or changes in the Government of India could adversely affect
being added to any new or replacement financing arrangements. retain any of these approvals or licenses, or renewals thereof, in a timely manner, or at all, our business economic conditions in India and consequently our business. For further details please
25. We may be subject to regulations in respect of provisioning for non-performing may be adversely affected.If we fail to comply, or a regulator claims we have not complied, with any of refer to the Prospectus.
assets that are less stringent than in some other countries. RBI guidelines prescribe the these conditions, our certificate of registration may be suspended or cancelled and we shall not be able 48. If communal disturbances or riots erupt in India, or if regional hostilities increase,
provisioning required in respect of our outstanding loan portfolio. These provisioning requirements may to carry on such activities. this would adversely affect the Indian economy, and our business, financial condition
require us to reserve lower amounts than the provisioning requirements applicable to financial institutions 34. We are subject to legal and regulatory risk which may adversely affect our and results of operations. For further details please refer to the Prospectus.
and banks in other countries. The provisioning requirements may also require the exercise of subjective business. As a non-deposit taking NBFC, we are subject to a wide variety of financial services laws and 49. A slowdown in the economic growth in India could cause our business to suffer.
judgments of management. The level of our provisions may not be adequate to cover further increases regulations and are supervised by a large number of regulatory and enforcement authorities in India, For further details please refer to the Prospectus.
in the amount of our non-performing assets or a decrease in the value of the underlying gold collateral. including the RBI. The laws and regulations governing the banking and financial services industry in India 50. A downgrade of India’s sovereign debt rating may adversely affect our ability to
If such provisions are not sufficient to provide adequate cover for loan losses that may occur, or if we are have become increasingly complex and cover a wide variety of issues, such as capital adequacy, exposure raise additional debt financing. For further details please refer to the Prospectus.
required to increase our provisions, this could have an adverse effect on our financial condition, liquidity and other prudential norms, interest rates, liquidity, securitisation, investments, ethical issues, know-your- 51. India is vulnerable to natural disasters that could severely disrupt the normal
and results of operations and may require us to raise additional capital. For further details, see “Our customer guidelines, money laundering and privacy, with sometimes overlapping enforcement authorities. operation of our Business. For further details please refer to the Prospectus.
Business - Non-performing Assets (NPAs) - Provisioning policy”, as also in the section “Regulations and For instance, a number of states in India have enacted laws to regulate money lending transactions. These 52. A decline in India’s foreign exchange reserves may affect liquidity and interest
Policies in India - Systemically Important ND-NBFCs - Prudential Norms - Provisioning Requirements” of state laws establish maximum rates of interest that can be charged by a person lending money. The RBI, rates in the Indian economy, which could adversely impact our financial condition.
the Prospectus. however, has not established a ceiling on the rate of interest that can be charged by a NBFC in our sector For further details please refer to the Prospectus.
26. We may have to comply with stricter regulations and guidelines issued by of operations. Currently, the RBI requires that the board of all NBFCs adopt an interest rate policy taking 53. Companies operating in India are subject to a variety of central and state
regulatory authorities in India. We are regulated principally by and have reporting obligations to into account relevant factors such as the cost of funds, margin and risk premium. The rate of interest and government taxes and surcharges. For further details please refer to the Prospectus.
the RBI. We are also subject to the corporate, taxation and other laws in effect in India. The regulatory the approach for gradation of risk and the rationale for charging different rates of interest for different Risks relating to the Issue
and legal framework governing us differs in certain material respects from that in effect in other countries categories of borrowers are required to be disclosed to the borrowers in the application form and expressly 54. We cannot guarantee the accuracy or completeness of facts and other statistics
and may continue to change as India’s economy and commercial and financial markets evolve. In recent communicated in the sanction letter. For further details please refer to the Prospectus. with respect to India, the Indian economy and the NBFC and Gold Loan industries
years, existing rules and regulations have been modified, new rules and regulations have been enacted 35. Major lapses of control, system failures or calamities could adversely impact our contained in the Prospectus. While facts and other statistics in the Prospectus relating to India,
and reforms have been implemented which are intended to provide tighter control and more transparency business. We are vulnerable to risks arising from the failure of employees to adhere to approved the Indian economy as well as the Gold Loan industry has been based on various publications and reports
in India’s Gold Loan industry. Moreover, new regulations may be passed that restrict our ability to do procedures, failures of security system, information system disruptions, communication systems failure from agencies that we believe are reliable, we cannot guarantee the quality or reliability of such materials,
business.For example, regulatory restrictions on securitisation may be extended to bilateral assignment and data interception during transmission through external communication channels and networks. Failure particularly since there is limited publicly available information specific to the Gold Loan industry. While
transactions, resulting in loss of arbitrage options. We cannot assure you that we will not be subject to any to detect these breaches in security may adversely affect our operations. we have taken reasonable care in the reproduction of such information, industry facts and other statistics
adverse regulatory action in the future. Further, these regulations are subject to frequent amendments and 36. Our ability to borrow from various banks may be restricted on account of have not been prepared or independently verified by us or any of our respective affiliates or advisers and,
depend upon government policy. Our present operations may not meet all regulatory requirements or guidelines issued by the RBI imposing restrictions on banks in relation to their therefore we make no representation as to their accuracy or completeness. These facts and other statistics
subsequent regulatory amendments.The costs of compliance may be high, which may affect our profitability.If exposure to NBFCs. Under RBI Master Circular No. RBI/2010-11/68 DBOD No.Dir.BC.14/13.03.00/ include the facts and statistics included in the section titled “About the Issuer and Industry Overview” of
we are unable to comply with any such regulatory requirements, our business and results of operations 2010-11 issued on July 1, 2010, the exposure (both lending and investment, including off balance sheet the Prospectus. Due to possibly flawed or ineffective data collection methods or discrepancies between
may be materially and adversely affected. exposures) of a bank to a single NBFC should not exceed 10%, of the bank’s capital funds as per its last published information and market practice and other problems, the statistics herein may be inaccurate or
27. Our loan portfolio is not classified as priority sector advances by the RBI. The RBI audited balance sheet. Banks may, however, assume exposures on a single NBFC up to 15%, of their may not be comparable to statistics produced elsewhere and should not be unduly relied upon. Further,
currently mandates domestic commercial banks operating in India to maintain an aggregate 40.0% capital funds provided the exposure in excess of 10% is on account of funds on-lent by the NBFC to the there is no assurance that they are stated or compiled on the same basis or with the same degree of
(32.0% for foreign banks) of their adjusted net bank credit or credit equivalent amount of off-balance sheet infrastructure sector. Further, banks may also consider fixing internal limits for their aggregate exposure accuracy, as the case may be, elsewhere.
exposure, whichever is higher as “priority sector advances”. These include advances to agriculture, small to all NBFCs put together. This limits the exposure that banks may have on NBFCs such as us, which may 55. There are other lenders and debenture trustees who have pari passu charge
enterprises, exports and similar sectors where the Government seeks to encourage flow of credit for restrict our ability to borrow from such banks and may increase our cost of borrowing, which could adversely over the Security provided There are other lenders and debenture trustees of the Company who
developmental reasons. Banks in India that have traditionally been constrained or unable to meet these impact our growth, margins and business operations. have pari passu charge over the Security provided for the Issue. While the Company is required to maintain
requirements organically, have relied on specialised institutions like our Company that are better positioned 37. We have entered into certain transactions with related parties. We have entered into an asset cover of 1 time the outstanding amount of the NCDs, upon the Company’s bankruptcy, winding-
to or focus on originating such assets through on-lending or purchase of assets or securitised pools to transactions with several related parties, including our Promoters, Directors and Group Entities.We can up or liquidation, the other lenders and debenture trustees will rank pari passu with the NCD holders and
comply with these targets. As per our audited financial statements, our outstanding amounts of sold give no assurance that we could not have achieved more favourable terms had such transactions not been to that extent, may reduce the amounts recoverable by the NCD holders. As per Regulation 17(2) read with
portfolio under bilateral assignments were` 8,130.2 million, ` 20,083.2 million,` 41,863.9 million and entered into with related parties. Furthermore, it is likely that we will enter into related party transactions Schedule I of the SEBI Debt Regulations, the Company is required to obtain permissions / consents from
` 25,875.0 million for the years ended March 31, 2009, 2010, 2011and period ended September 30, 2011, in the future. There can be no assurance that such transactions, individually or in the aggregate, will not the prior creditors in favour of the debenture trustee for creation of such pari passu charge and the same
respectively. The entire portfolio sold under bilateral assignments were categorised as a priority sector have an adverse effect on our financial condition and results of operations. The transactions we have is required to be disclosed. Accodingly, the Company has applied for and obtained consent from all other
advance for the years ended March 31, 2009, 2010, partly of ` 33,737.0 million for the year ended March entered into and any future transactions with our related parties have involved or could potentially involve lenders and debenture trustees for creation of a first pari passu charge over the Security.
31, 2011 and partly of ` 18,970.40million for the period ended September 30, 2011. Notification issued conflicts of interest. For further details regarding our related party transactions, see section titled “Financial 56. Changes in interest rate may affect the price of our NCD All securities where a fixed rate
by the RBI in February 2011, has stipulated that loans sanctioned to NBFCs for on lending to individuals Information” of the Prospectus. of interest is offered, such as our NCDs, are subject to price risk. The price of such securities will vary
or other entities against gold jewellery would not be eligible for classification as agriculture sector 38. We have not entered into any definitive agreements to utilise a substantial portion inversely with changes in prevailing interest rates, i.e. when interest rates rise, prices of fixed income
advances in the context of priority sector lending guidelines issued by RBI. Accordingly, our ability to raise of the net proceeds of the Issue. We intend to use the Net Proceeds for the purposes described securities fall and when interest rates drop, the prices increase. The extent of fall or rise in the prices is
capital by selling down our gold loan portfolio under bilateral assignments will be hampered in the future in the section “Objects of the Issue” of the Prospectus. We currently intend to use the Net Proceeds from a function of the existing coupon, days to maturity and the increase or decrease in the level of prevailing
and impact our ability to raise funds through loans from banks, which may adversely affect our financial the Issue to fund our growth. Our management will have broad discretion to use the Net Proceeds and you interest rates. Increased rates of interest, which frequently accompany inflation and/or a growing economy,
condition and results of operations. will be relying on the judgment of our management regarding the application of these Net Proceeds. Our are likely to have a negative effect on the price of our NCDs.
28. Our ability to assess, monitor and manage risks inherent in our business differs funding requirements are based on current conditions and are subject to change in light of changes in 57. You may not be able to recover, on a timely basis or at all, the full value of the
from the standards of some of our counterparts in India and in some developed external circumstances or in our financial condition, business or strategy. Our management, in response outstanding amounts and/or the interest accrued thereon in connection with the
countries. We are exposed to a variety of risks, including liquidity risk, interest rate risk, credit risk, to the competitive and dynamic nature of the industry, will have the discretion to revise its business plan NCDs. Our ability to pay interest accrued on the NCDs and/or the principal amount outstanding from time
operational risk and legal risk. The effectiveness of our risk management is limited by the quality and from time to time. Any such change in our plans may require rescheduling of our current plans or discontinuing to time in connection therewith would be subject to various factors inter-alia including our financial
timeliness of available data. Our hedging strategies and other risk management techniques may not be existing plans and an increase or decrease in the fund requirements for the objects, at the discretion of condition, profitability and the general economic conditions in India and in the global financial markets.We
fully effective in mitigating our risks in all market environments or against all types of risk, including risks the management. Pending utilisation for the purposes described above, we intend to temporarily invest cannot assure you that we would be able to repay the principal amount outstanding from time to time on the
that are unidentified or unanticipated. Some methods of managing risks are based upon observed historical the funds in interest bearing liquid instruments including deposits with banks and investments in liquid NCDs and/or the interest accrued thereon in a timely manner or at all. Although our Company will create
market behaviour. As a result, these methods may not predict future risk exposures, which could be greater (not equity) mutual funds. Such investments would be in accordance with the investment policies approved appropriate security in favour of the Debenture Trustee for the NCD holders on the assets adequate to ensure
than the historical measures indicated. Other risk management methods depend upon an evaluation of by our Board from time to time. 100% asset cover for the NCDs, which shall be free from any encumbrances, the realisable value of the assets
information regarding markets, customers or other matters. This information may not in all cases be 39. We continue to be controlled by our Promoters and they will continue to have the charged as security, when liquidated, may be lower than the outstanding principal and/or interest accrued
accurate, complete, up-to-date or properly evaluated. Management of operational, legal or regulatory risk ability to exercise significant control over us. Our Promoters along with relatives hold, 80.12% thereon in connection with the NCDs. A failure or delay to recover the expected value from a sale or disposition
requires, among other things, policies and procedures to properly record and verify a number of transactions of our outstanding Equity Shares as on September 30, 2011. As a result, our Promoters will continue to of the assets charged as security in connection with the NCDs could expose you to a potential loss.
and events. Although we have established these policies and procedures, they may not be fully effective. exercise significant control over us, including being able to control the composition of our Board and 58. If we do not generate adequate profits, we may not be able to maintain an adequate
Our future success will depend, in part, on our ability to respond to new technological advances and determine matters requiring shareholder approval or approval of our Board. Our Promoters may take or DRR for the NCDs issued pursuant to the Prospectus. Section 117C of the Act states that
emerging financing institution and Gold Loan industry standards and practices on a cost-effective and block actions with respect to our business, which may conflict with our interests or the interests of our any company that intends to issue debentures must create a DRR to which adequate amounts shall be
timely basis. The development and implementation of such technology entails significant technical and minority shareholders. By exercising their control, our Promoters could delay, defer or cause a change of credited out of the profits of the company until the debentures are redeemed. The Ministry of Corporate
business risks. There can be no assurance that we will successfully implement new technologies or adapt our control or a change in our capital structure, delay, defer or cause a merger, consolidation, takeover or Affairs has, through its circular dated April 18, 2002, (“Circular”), specified that the quantum of DRR to
our transaction-processing systems to customer requirements or emerging market standards. other business combination involving us, discourage or encourage a potential acquirer from making a be created before the redemption liability actually arises in normal circumstances should be ‘adequate’
29. Any failure by us to identify, manage, complete and integrate acquisitions, tender offer or otherwise attempting to obtain control of us. to pay the value of the debentures plus accrued interest, (if not already paid), till the debentures are
divestitures and other significant transactions successfully could adversely affect 40. Our business strategy may change in the future and may be different from that redeemed and cancelled. The Circular however further specifies that, for NBFCs like our Company,
our results of operations, business and prospects. As part of our business strategy, we may which is contained herein. Our current business strategy is to expand our branch network and (NBFCs which are registered with the RBI under Section 45-IA of the RBI Act), the adequacy of the DRR
acquire complementary companies or businesses, divest non-core businesses or assets, enter into strategic increase our Gold Loan portfolio.We cannot assure you that we will continue to follow these business will be 50% of the value of debentures issued through the public issue. Accordingly our Company is
MUTHOOT FINANCE LIMITED 7](https://image.slidesharecdn.com/muthootfinancelimitedncdapplicationformdec2011-jan2012-111227010145-phpapp02/85/Muthoot-finance-limited-ncd-application-form-dec-2011-jan-2012-7-320.jpg)
![IN THE NATURE OF FORM 2A - MEMORANDUM CONTAINING SALIENT FEATURES OF THE PROSPECTUS
required to create a DRR of 50% of the value of debentures issued through the public issue. As further November 29, 2011 and ‘[ICRA] AA-/Stable’ by ICRA for an amount of upto ` 6,000.00 million vide its have not been appraised by any bank or financial institution We intend to use the proceeds
clarified by the Circular, the amount to be credited as DRR will be carved out of the profits of the company letter dated November 29, 2011. The rating of the NCDs by CRISIL and ICRA indicates high degree of of the Issue, after meeting the expenditures of and related to the Issue, for our various financing activities
only and there is no obligation on the part of the company to create DRR if there is no profit for the safety regarding timely servicing of obligations and carry very low credit risk. The ratings provided by including lending and investments, subject to applicable statutory and/or regulatory requirements, to
particular year. Accordingly, if we are unable to generate adequate profits, the DRR created by us may CRISILand ICRAmay be suspended, withdrawn or revised at any time by the assigning rating agency and repay our existing loans and our business operations including for our capital expenditure and working
not be adequate to meet the 50% of the value of the NCDs. This may have a bearing on the timely should be evaluated independently of any other rating. These ratings are not a recommendation to buy, capital requirements. For further details, see section titled “Objects of the Issue” of the Prospectus.The fund
redemption of the NCDs by our Company. sell or hold securities and investors should take their own decisions. Please refer the Prospectus for rating requirement and deployment is based on internal management estimates and has not been appraised by any
59. There may be no active market for the NCDs on the retail debt market/capital letter and rationale for the above rating. bank or financial institution. The management will have significant flexibility in applying the proceeds received
market segment of the BSE Limited. As a result the liquidity and market prices of the 62. Securities on our NCDs rank as firstparipassu with our Company’s secured by us from the Issue. Further, as per the provisions of the Debt Regulations, we are not required to appoint
NCDs may fail to develop and may accordingly be adversely affected. There can be no indebtedness Substantially all of our Company’s current assets represented mainly by Gold Loan a monitoring agency and therefore no monitoring agency has been appointed for this Issue.
assurance that an active market for the NCDs will develop. If an active market for the NCDs fails to develop receivables are being used to secure our Company’s debt.As at September 30, 2011 our Company’s Prominent Notes: • This is a public issue ofNCDs aggregating upto ` 3,000 million with an option
or be sustained, the liquidity and market prices of the NCDs may be adversely affected. The market price secured debt was ` 134,850 million. Securities on our NCDs will rank pari passu with any of our Company’s to retain over-subscription upto ` 3,000 million for issuance of additional NCDs aggregating to a total of
of the NCDs would depend on various factors inter alia including (i) the interest rate on similar securities secured obligations with respect to the assets that secure such obligations. The terms of the NCDs do not upto ` 6,000 million. • For details on the interest of our Company’s Directors, please refer to the sections
available in the market and the general interest rate scenario in the country, (ii) the market price of our prevent our Company from incurring additional debt. In addition, the NCDs will rank pari passu to the titled “Our Management” and “Capital Structure” of the Prospectus • Our Company has entered into certain
Equity Shares, (iii) the market for listed debt securities, (iv) general economic conditions, and, (v) our existing and future indebtedness and other secured liabilities and obligations of our Company. related party transactions, within the meaning of AS 18 as notified by the Companies (Accounting
financial performance, growth prospects and results of operations. The aforementioned factors may adversely 63. Security provided for the Issue may not be enforceable Standards) Rules, 2006, as disclosed in the section titled “Financial Information” of the Prospectus. • Any
affect the liquidity and market price of the NCDs, which may trade at a discount to the price at which you We have certain proceedings pending under the IT Act before the Income Tax Appellate Tribunal. Under clarification or information relating to the Issue shall be made available by the Lead Managers, Co-Lead
purchase the NCDs and/or be relatively illiquid. Section 281 of the IT Act and circular bearing number 04/2011 dated July 19, 2011, our Company is Managers and our Company to the investors at large and no selective or additional information would be
60. There may be a delay in making refund to applicants We cannot assure you that the required to obtain prior consent of the assessing officer to create the Security provided for the Issue to the available for a section of investors in any manner whatsoever. • Investors may contact the Registrar to the
monies refundable to you, on account of (i) withdrawal of your applications, (ii) our failure to receive extent classified as assets under Section 281 of the IT Act, during the pendency of such proceedings. We Issue, Compliance Officer, the Lead Managers, and Co-Lead Managers, for any complaints pertaining to
minimum subscription in connection with the Base Issue, (ii) withdrawal of the Issue, or (iii) failure to have made an application to the relevant assessing officer seeking such prior consent on the Issue. In case of any specific queries on allotment/refund, Investor may contact the Registrar to the
obtain the final approval from the BSE for listing of the NCDs, will be refunded to you in a timely manner. December 15, 2011. In the event that such consent is not granted, the Security provided for the Issue to Issue. • In the event of oversubscription to the Issue, allocation of NCDs will be as per the section titled
We however, shall refund such monies, with the interest due and payable thereon as prescribed under the extent classified as ‘Assets’ under Section 281 of the IT Act will be void as against any claim in respect “Basis of Allotment” of the Prospectus. • Our Equity Shares are listed on the NSE and BSE. • As of
applicable statutory and/or regulatory provisions. of any tax or any other sum payable by the Company, including as a result of the completion of these September 30, 2011, we had certain contingent liabilities not provided for, amounting to ` 3,229.35
61. Any downgrading in credit rating of our NCDs may affect the value of NCDs and proceedings. million.For further information on such contingent liabilities, see section titled “Financial Information” of
thus our ability to raise further debts. The NCDs proposed to be issued under this Issue have Risks relating to the NCDs the Prospectus. • For further information relating to certain significant legal proceedings that we are
been rated ‘CRISIL AA-/Stable’ by CRISIL for an amount of upto ` 6,000.00 million vide its letter dated 64. The fund requirement and deployment mentioned in the Objects of the Issue involved in, see section titled “Pending Proceedings and Statutory Defaults” of the Prospectus.
GENERAL INFORMATION and Chairman Director Identification Number: 00018201 George Thomas Muthoot Age: 60 Whole Time Director As on the date of thisProspectus, there are no defaults in meeting statutory dues, institutional dues, and towards
Our Company was originally incorporated as a private limited company on March 14, 1997 under the provisions Director Identification Number: 00018281 George Jacob Muthoot Age: 59 Designation: Whole Time Director holders of instrument like debentures, fixed deposits and arrears on cumulative preference shares, etc, by our
of the Companies Act, 1956, with the name “The Muthoot Finance Private Limited”.Subsequently, by a fresh Director’s Identification Number: 00018235 George Alexander Muthoot Age: 56 Managing Director Director Company or by public companies promoted by the Promoters and listed on the BSE Limited. For further details
certificate of incorporation dated May 16, 2007, our name was changed to “Muthoot Finance Private Limited”.Our Identification Number: 00016787 P. George Varghese Age: 62 Independent Director Director’s Identification please refer to the Prospectus.
Company was converted into a public limited company on November 18, 2008 with the name “Muthoot Number: 00317319 K. John Mathew Age: 78 Independent Director Director’s Identification Number: 00371128 OTHER REGULATORY AND STATUTORY DISCLOSURES
Finance Limited” and received a fresh certificate of incorporation consequent to change in status on John K. Paul Age: 57 Independent Director Director Identification Number: 00016513 George Joseph Age: 61 Authority for the Issue:At the meeting of the Board of Directors of our Company, held on December 05, 2011
December 02, 2008 from the Registrar of Companies, Kerala and Lakshadweep. Independent Director Director Identification Number: 00253754. For further details please refer to the Prospectus. the Directors approved the issue of NCDs to the public upto an amount not exceeding ` 6,000million.
Registered Office - Muthoot Finance Limited, Muthoot Chambers, Opposite Saritha Theatre Complex, 2nd Floor, OUR PROMOTER Prohibition by SEBI:Our Company, persons in control of our Company and/or our Promoters have not been
Banerji Road, Kochi 682 018, Kerala, India, Tel: (91 484) 239 4712, Fax: (91 484) 239 6506, Website: Profile of our Promoters: The following individuals are the Promoters of the Company: 1. M.G. George Muthoot; restrained, prohibited or debarred by SEBI from accessing the securities market or dealing in securities and no
www.muthootfinance.com ,Email: cs@muthootgroup.com • For details of change in registered office, refer to 2. George Thomas Muthoot; 3. George Jacob Muthoot; and 4. George Alexander Muthoot; For additional such order or direction is in force. Further, no member of our promoter group has been prohibited or debarred
the section titled “History and Main Objects” of the Prospectus. • Registration - Registration Number: 011300 details on the age, background, personal address, educational qualifications, experience, experience in the by SEBI from accessing the securities market or dealing in securities due to fraud.
• Corporate Identity Number: U65910KL1997PLC011300 issued by the Registrar of Companies, Kerala and business of the Company, positions/posts held in the past, terms of appointment as Directors and other Disclaimer Clause of the BSE: BSE LIMITED (“THE EXCHANGE”) HAS GIVEN VIDE ITS LETTER
Lakshadweep. Certificate of registration bearing number N. 16.00167 under Section 45IA of the RBI Act, 1934 directorships of our Promoters, see section titled "Our Management" of the Prospectus. DATED DECEMBER 15, 2011, PERMISSION TO THIS COMPANY TO USE THE EXCHANGE’S NAME IN
from the RBI dated December 12, 2008 from the RBI to carry on the business of a non-banking financial SUMMARY FINANCIAL INFORMATION THIS OFFER DOCUMENT AS ONE OF THE STOCK EXCHANGES ON WHICH THIS COMPANY’S
institution without accepting public deposits. The following tables present an extract of Reformatted Summary Financial Statements. The Reformatted SECURITIES ARE PROPOSED TO BE LISTED. THE EXCHANGE HAS SCRUTINIZED THIS OFFER
Impersonation: As a matter of abundant precaution, attention of the investors is specifically drawn to the Summary Financial Statements should be read in conjunction with the examination report thereon issued DOCUMENT FOR ITS LIMITED INTERNAL PURPOSE OF DECIDING ON THE MATTER OF GRANTING
provisions of sub-section (1) of section 68A of the Act, relating to punishment for fictitious applications. by our Statutory Auditors and statement of significant accounting policies and notes to accounts on the THE AFORESAID PERMISSION TO THIS COMPANY. THE EXCHANGE DOES NOT IN ANY MANNER:
Minimum Subscription: Under the Debt Regulations, our Company is required to stipulate a minimum subscription Reformatted Summary Financial Statements contained in the section titled “Financial Information” of the a. WARRANT, CERTIFY OR ENDORSE THE CORRECTNESS OR COMPLETENESS OF ANY OF THE
amount which it seeks to raise. The consequence of minimum subscription amount not being raised is that the Prospectus. CONTENTS OF THIS OFFER DOCUMENT; OR b. WARRANT THAT THIS COMPANY’S SECURITIES
Issue shall not proceed and the entire application moneys received are refunded to the Applicants. If our ANNEXURE-I: REFORMATTED SUMMARY STATEMENT OF ASSETS AND LIABILITIES WILL BE LISTED OR WILL CONTINUE TO BE LISTED ON THE EXCHANGE; OR c. TAKE ANY
Company does not receive the minimum subscription of 75% of the base issue amount i.e. ` 2,250 million, ` In Millions RESPONSIBILITY FOR THE FINANCIAL OR OTHER SOUNDNESS OF THIS COMPANY, ITS
prior to the Issue Closing Date, the entire subscription amount shall be refunded to the Applicants within 30 Particulars Sche- As at As at As at As at As at As at PROMOTERS, ITS MANAGEMENT OR ANY SCHEME OR PROJECT OF THIS COMPANY. AND IT
days from the date of closure of the Issue. If there is delay in the refund of subscription by more than eight days dule September March March March March March SHOULD NOT FOR ANY REASON BE DEEMED OR CONSTRUED THAT THIS OFFER DOCUMENT
after our Company becomes liable to refund the subscription amount, our Company will pay interest for the No. 30, 2011 31, 2011 31, 2010 31, 2009 31, 2008 31, 2007 HAS BEEN CLEARED OR APPROVED BY THE EXCHANGE. EVERY PERSON WHO DESIRES TO
delayed period, at rates prescribed under sub-sections (2) and (2A) of Section 73 of the Companies Act, 1956. I Fixed Assets I APPLY FOR OR OTHERWISE ACQUIRES ANY SECURITIES OF THIS COMPANY MAY DO SO
Credit Rating and Rationale : The NCDs proposed to be issued under this Issue have been rated 'CRISIL AA- Gross Block 2,911.60 2,463.34 1,691.09 1,482.66 1,215.25 646.37 PURSUANT TO INDEPENDENT INQUIRY, INVESTEGATION AND ANALYSIS AND SHALL NOT HAVE
/Stable' by CRISILfor an amount of upto ` 6,000.00 million vide its letter dated November 29, 2011, and Less: Accumulated Depreciation/Amortization 760.69 627.77 449.04 320.76 222.74 149.48 ANY CLAIM AGAINST THE EXCHANGE WHATSOEVER BY REASON OF ANY LOSS WHICH MAY BE
'[ICRA] AA-/Stable' by ICRAfor an amount of upto ` 6,000.00million vide its letter dated November 29, 2011. Net Block 2,150.91 1,835.57 1,242.05 1,161.90 992.51 496.89 SUFFERED BY SUCH PERSON CONSEQUENT TO OR IN CONNECTION WITH SUCH
The rating of the NCDs by CRISILindicates a high degree of safety regarding timely servicing of financial Capital Work in Progress 473.94 505.27 290.65 131.19 93.64 135.40 SUBSCRIPTION/ACQUISITION WHETHER BY REASON OF ANYTHING STATED OR OMITTED TO
obligationsand carry very low credit risk. The rating of NCDs by ICRAindicates ahigh degree of safety regarding 2,624.85 2,340.84 1,532.71 1,293.10 1,086.15 632.29 BE STATED HEREIN OR FOR ANY OTHER REASON WHATSOEVER.
timely servicing of financial obligations and carry very low credit risk. The ratings provided by CRISILand/or II Investments II 75.05 75.05 75.05 85.31 183.43 242.15
Disclaimer Clause of the RBI: THE COMPANY IS HAVING A VALID CERTIFICATE OF REGISTRATION
ICRA may be suspended, withdrawn or revised at any time by the assigning rating agency and should be DATED DECEMBER 12, 2008 ISSUED BY THE RESERVE BANK OF INDIA UNDER SECTION 45 IA OF THE
III Deferred Tax Assets, (Net) 5.06 (24.73) (-24.84) (-37.87) (-41.73) (-47.31)
evaluated independently of any other rating. These ratings are not a recommendation to buy, sell or hold RESERVE BANK OF INDIA ACT, 1934. HOWEVER,THE RBIDOES NOT ACCEPT ANY RESPONSIBILITY OR
IV Current Assets, Loans and Advances GUARANTEE ABOUT THE PRESENT POSITION AS TO THE FINANCIAL SOUNDNESS OF THE COMPANY
securities and investors should take their own decisions. Please refer to the Prospectus for rating letter and Sundry Debtors III 159.37 53.94 33.45 40.95 34.92 21.66
rationale for the above rating. OR FOR THE CORRECTNESS OF ANY OF THE STATEMENTS OR REPRESENTATIONS MADE OR OPINIONS
Cash and Bank Balances IV 13,322.22 13,754.95 5,759.92 8,825.32 2,580.38 563.21
Utilisation of Issue proceeds: Please refer General Instruction 52. EXPRESSED BY THE COMPANY AND FOR REPAYMENT OF DEPOSITS/ DISCHARGE OF LIABILITY BY
Other Current Assets V 6,521.71 5,919.68 2,408.14 1,658.09 967.91 787.06 THE COMPANY.
Issue Programme:The subscription list for the Issue shall remain open for subscription at the commencement Loans and Advances VI 1,84,504.85 1,17,517.75 54,616.99 25,735.53 18,046.59 13,893.02 Listing:The NCDs proposed to be offered in pursuance of the Prospectus will be listed on the BSE. We have
of banking hours and shall close at the close of banking hours on the dates indicated below or earlier or on 2,04,508.15 1,37,246.32 62,818.49 36,259.89 21,629.80 15,264.95 received the in-principle approval dated December 15, 2011 from the BSE.
such date, as may be decided at the discretion of the Board of Directors or any committee of the Board of 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 If permissions to deal in and for an official quotation of our NCDs are not granted by the BSE, our Company
Directors of our Company subject to necessary approvals V Liabilities and Provisions will forthwith repay, without interest, all moneys received from the applicants in pursuance of the Prospectus.
ISSUE OPENS ON DECEMBER 22, 2011 Secured Loans VII 1,34,849.95 1,02,111.55 45,471.22 30,087.45 18,400.19 13,117.52 Consents:For details please refer to the Prospectus.
ISSUE CLOSES ON JANUARY 07, 2012 Unsecured Loans VIII 37,717.95 17,274.31 7,334.03 1,568.48 752.87 709.00 Expert Opinion:For details please refer to the Prospectus.
Current Liabilities IX 5,842.72 3,878.71 4,524.35 1,805.57 1,224.88 459.10 Common form of Transfer:For details please refer to the Prospectus.
The subscription list shall remain open for a period as indicated, with an option for early closure or extension Provisions X 2,682.22 3,031.00 1,229.90 524.46 348.65 214.43 Minimum Subscription:For details please refer to the Prospectus.
by such period, up to a period of 30 days from date of opening of the Issue, as may be decided by the duly B=(V) 1,81,092.84 1,26,295.56 58,559.50 33,985.96 20,726.59 14,500.06 Filing of the Draft Prospectus and Prospectus:The Draft Prospectus has been filed and the Prospectus will be filed
authorised committee of the Board constituted by resolution of the Board dated July 25, 2011. In the event of such NET WORTH A-B 26,120.27 13,341.92 5,841.92 3,614.47 2,131.07 1,592.03 with BSE in terms of Regulation 7 of the Debt Regulations for dissemination on their website. :For further
early closure of subscription list of the Issue, our Company shall ensure that notice of such early closure is given Net Worth Represented by details please refer to the Prospectus.
on or before the day of such early date of closure through advertisement/s in a leading national daily newspaper. Share Capital XI Debenture Redemption Reserve:For details please refer to the Prospectus.
CAPITAL STRUCTURE Issue Related Expenses:For details please refer to the Prospectus.
- Equity Shares 3,717.13 3,202.13 3,010.00 490.00 50.00 50.00
Details of share capital:The share capital of our Company as at date of the Prospectus is set forth below: Underwriting:This Issue has not been underwritten.
Amount in ` Reserves and Surplus
Details regarding the Company and other listed companies under the same management within the meaning
- Securities Premium XII 10,570.78 2,364.77 - 755.00 275.00 275.00 of section 370(1B), which made any capital issue during the last three years:On May 03, 2011, our Company
A Authorised share capital
- Statutory Reserve XIII 2,794.04 1,982.02 993.67 538.52 343.08 215.89 issued and allotted 51,500,000 equity shares at a price of ` 175 per such Equity Share, amounting to an aggregate
450,000,000 Equity Shares 4,500,000,000 - Surplus/ (Deficit) in Profit and Loss Account XIV 9,043.25 5,795.20 1,841.79 1,918.75 1,555.50 1,052.04
5,000,000 Redeemable Preference Shares of ` 1,000.00 each 5,000,000,000 of ` 9,012,500,000 pursuant to an initial public offer under the SEBI (Issue of Capital and Disclosure Requirements)
Miscellaneous Expenditure XV (4.93) (2.21) (3.54) (87.80) (92.51) (0.90) Regulations, 2009 which opened on April 18, 2011 and closed on April 21, 2011.The electronic credit of the equity
TOTAL 9,500,000,000 (to the extent not written off) shares to investors pursuant to the initial public offer was completed on May 04, 2011.There are no listed companies
B Issued, subscribed and paid-up share capital NET WORTH 26,120.27 13,341.92 5,841.92 3,614.47 2,131.07 1,592.03 under the same management within the meaning of Section 370(1) (B) of the Companies Act, 1956.
371,712,768 Equity Shares 3,717,127,680 ANNEXURE-II: REFORMATTED SUMMARY STATEMENT OF PROFITS AND LOSSES Commissions and Brokerage on previous issue: ` 151.25 million was incurred towards lead management fees,
Share holding pattern of our Company as on September 30, 2011: For further details please refer to the Prospectus. ` In Millions underwriting and selling commission in connection with the public issue of 51,500,000 equity shares at a price
Particulars Sche- For the For the For the For the For the For the of ` 175 per such Equity Share, pursuant to an initial public offer under the SEBI (Issue of Capital and
OBJECTS OF THE ISSUE Disclosure Requirements) Regulations, 2009. ` 127.74 million was incurred towards lead management fees,
Issue proceeds : Our Company has filed the Prospectus with the ROC for a public issue of NCDs aggregating dule period year year year year year
No. ended ended ended ended ended ended and selling commission in connection with the public issue of 6,930,000 secured non-convertible debentures
upto ` 3,000 million with an option to retain over-subscription upto ` 3,000 million for issuance of additional of face value ` 1,000 each issued at face value, pursuant to a public issue under the Debt Regulations.
NCDs aggregating to a total of upto ` 6,000 million.The funds raised through this Issue will be utilised for our September March March March March March
30, 2011 31, 2011 31, 2010 31, 2009 31, 2008 31, 2007 Public / Rights Issues:On May 03, 2011, our Company issued and allotted 51,500,000 equity shares at a price
various financing activities including lending and investments, to repay our existing liabilities or loans and INCOME of ` 175 per such Equity Share, pursuant to an initial public offer under the SEBI (Issue of Capital and
towards our business operations including for our capital expenditure and working capital requirements, after Interest Income XVI 20,126.05 22,983.44 10,774.52 6,062.39 3,579.37 2,235.85 Disclosure Requirements) Regulations, 2009.
meeting the expenditures of and related to the Issue and subject to applicable statutory/regulatory requirements. Other Income XVII 119.39 175.24 119.28 141.63 107.01 103.80 Previous Issue:For details please refer to the Prospectus.
The main objects clause of the Memorandum of Association of our Company permits our Company to undertake Stock Market Data:For details please refer to the Prospectus.
Total Income 20,245.44 23,158.68 10,893.80 6,204.02 3,686.38 2,339.65
its existing activities as well as the activities for which the funds are being raised through this Issue. DebenturesorbondsandredeemablepreferencesharesandotherinstrumentsissuedbyourCompanyandoutstanding:
Monitoring of utilisation of funds : There is no requirement for appointment of a monitoring agency in terms There are certain debentures issued by our Company which are listed on the WDM segment of the NSE and
of the SEBI Debt Regulations. The Board of Directors of our Company shall monitor the utilisation of the EXPENDITURE
Interest Expense XVIII 9,858.76 10,326.44 4,737.28 3,097.70 1,797.99 998.95 bear ISIN numbers INE414G07027; INE414G07019; INE414G07035 and INE414G08181. No trade data is
proceeds of the Issue. Our Company will disclose in the Company’s financial statements for the relevant available since no trades have taken placed in these debentures in NSE, since they were listed, on May 19, 2011.
financial year commencing from FY 2012, the utilisation of the proceeds of the Issue under a separate head Personnel Expenses XIX 1,751.90 2,209.49 1,169.44 677.01 405.35 266.31
Administrative & Other Expenses XX 2,322.82 2,638.99 1,190.43 727.93 390.21 284.96
Dividend:Our Company has no stated dividend policy. The declaration and payment of dividends on our shares
along with details, if any, in relation to all such proceeds of the Issue that have not been utilised thereby also will be recommended by our Board of Directors and approved by our shareholders, at their discretion, and will
indicating investments, if any, of such unutilised proceeds of the Issue. Salary to Whole Time Directors 96.00 192.00 192.23 120.90 48.90 48.90 depend on a number of factors, including but not limited to our profits, capital requirements and overall financial
Interim use of proceeds : The management of the Company, in accordance with the policies formulated by it Depreciation 133.51 179.64 148.90 98.78 74.14 70.97 condition. The Company has not declared any dividend on its Equity Shares in the last five financial years.
from time to time, will have flexibility in deploying the proceeds received from the Issue. Pending utilisation Total Expenditure 14,162.99 15,546.57 7,438.27 4,722.32 2,716.59 1,670.09 Revaluation of assets:The Company has not revalued its assets in the last five years.
of the proceeds out of the Issue for the purposes described above, the Company intends to temporarily invest Mechanism for redressal of investor grievances:The MoU between the Registrar to the Issue and our Company will
funds in high quality interest bearing liquid instruments including money market mutual funds, deposits with banks Profit/(Loss) before Tax and Prior Period Items 6,082.44 7,612.11 3,455.53 1,481.70 969.78 669.57 provide for retention of records with the Registrar to the Issue for a period of at least three years from the last
or temporarily deploy the funds in investment grade interest bearing securities as may be approved by the Board Prior Period Items [ Expenses / (Income)] - - - - - - date of despatch of the Allotment Advice, demat credit and refund orders to enable the investors to approach
/ Committee of Directors of the Company, as the case may be. Such investment would be in accordance with the Net Profit/(Loss) before Tax 6,082.44 7,612.11 3,455.53 1,481.70 969.78 669.57 the Registrar to the Issue for redressal of their grievances. All grievances relating to the Issue may be addressed
investment policy of our Company approved by the Board or any committee thereof from time to time. Provision for tax to the Registrar to the Issue, giving full details such as name, address of the applicant, number of NCDs applied
Other confirmations : In accordance with the SEBI Debt Regulations, our Company will not utilise the proceeds Current Tax 2,052.17 2,670.45 1,192.81 507.94 336.07 207.68 for, amount paid on application and the bank branch or collection centre where the application was submitted.
of the Issue for providing loans to or acquisition of shares of any person who is a part of the same group as our Deferred Tax Charge/(Credit) (29.79) (0.11) (13.03) (3.86) (5.58) 17.70 The contact details of Registrar to the Issue are as follows: Link Intime India Private Limited C-13, Pannalal Silk
Company or who is under the same management as our Company or any subsidiary of our Company. The Issue Fringe Benefit Tax - - 0.42 3.32 4.40 Mills Compound, L.B.S. Marg, Bhandup (West), Mumbai 400 078, India, Tel: (91 22) 2596 0320, Fax: (91 22)
proceeds shall not be utilised towards full or part consideration for the purchase or any other acquisition, inter Total Tax Expense/(Credit) 2,022.38 2,670.34 1,179.78 504.50 333.82 229.78 2596 0329, Toll Free: 1-800-22-0320, Email: mfl.ipo@linkintime.co.in, Investor Grievance Email:
alia by way of a lease, of any property. No part of the proceeds from this Issue will be paid by us as consideration Net Profit/(Loss) for the period/year as per 4,060.06 4,941.76 2,275.75 977.20 635.97 439.79 mfl.ipo@linkintime.co.in, Website: www.linkintime.co.in Contact Person: Sachin Achar, SEBI Registration
to our Promoter, our Directors, Key Managerial Personnel, or companies promoted by our Promoter except in audited financials No.: INR000004058 We estimate that the average time required by us or the Registrar to the Issue for the
the usual course of business. Further the Company undertakes that Issue proceeds from NCDsallotted to banks Adjustments to the Financial Statements - 9.41 (4.46) (5.32) (1.23) redressal of routine investor grievances will be 7 (seven) business days from the date of receipt of the complaint.
shall not be used for any purpose, which may be in contravention of the RBI guidelines on bank financing to Less: Deferred Tax Impact on Adjustments - - - - - In case of non-routine complaints and complaints where external agencies are involved, we will seek to redress
NBFCsincluding those relating to classification as capital market exposure or any other sectors that are prohibited considered above these complaints as expeditiously as possible. Rajesh A has been appointed as the Compliance Officer of our
under the RBI regulations. Adjustment of excess provision of income tax, - - 5.95 - - Company for this issue. The contact details of Compliance Officer of our Company are as follows: Rajesh A.,
STATEMENT OF TAX BENEFITS : For details please refer to the Prospectus. for earlier years written back Muthoot Chambers, Opposite Saritha Theatre Complex, 2nd Floor, Banerji Road, Kochi 682 018, Kerala,
INDUSTRY : For details please refer to the Prospectus. Net Adjustments (Refer note C of Annexure IV) - - 9.41 1.49 (5.32) (1.23) India, Tel: (91 484) 353 5533, Fax: (91 484) 2396506, E-mail: cs@muthootgroup.com. Investors may contact
OUR BUSINESS Net Profit/(Loss) 4,060.06 4,941.76 2,285.16 978.69 630.65 438.56 the Registrar to the Issue or the Compliance Officer in case of any pre-issue or post Issue related issues such
Overview : We are the largest gold financing company in India in terms of loan portfolio, according to the 2010 Less: Transfer to Statutory Reserve 812.01 988.35 455.15 195.44 127.19 87.96 as non-receipt of Allotment Advice, demat credit, refund orders or interest on application money.
update to the IMaCS Research & Analytics Industry Reports, Gold Loans Market in India, 2009 (“IMaCS Industry Surplus/ (Deficit) brought forward from 5,795.20 1,841.79 1,918.75 1,555.50 1,052.04 705.80 Change in Auditors of our Company during the last three years:There has been no change(s) in the Statutory
Report, (2010 Update)”). We provide personal and business loans secured by gold jewellery, or Gold Loans, previous period/year Auditors of our Company in the last 3 (three) financial years preceding the date of the Prospectus.
primarily to individuals who possess gold jewellery but could not access formal credit within a reasonable time, Impact of reformatting of prior period expenses (4.36) MATERIAL CONTRACTS AND DOCUMENTS FOR INSPECTION:For details please refer to the Prospectus.
or to whom credit may not be available at all, to meet unanticipated or other short-term liquidity requirements. relating to periods prior to 01.04.2006 DECLARATION: We, the Directors of the Company, certify that all the relevant provisions of the Companies
According to the IMaCS Industry Report (2010 update), as of March 31, 2010 our branch network was the Surplus / (Deficit) available for Appropriation 9,043.25 5,795.20 3,748.76 2,338.75 1,555.50 1,052.04 Act, 1956 and the guidelines issued by the Government of India or the guidelines issued by the Securities and
largest among gold loan NBFCs in India. Our Gold Loan portfolio as of September 30, 2011 comprised Appropriation: Exchange Board of India established under Section 3 of the Securities and Exchange Board of India Act, 1992,
approximately 5.5 million loan accounts in India that we serviced through 3,274 branches across 20 states, the Issue of Bonus Shares - 1,765.00 420.00 - - as the case may be, have been complied with. We further certify that the disclosures made in the Prospectus
national capital territory of Delhi and four union territories in India. As of September 30, 2011, we employed Reduction on account of demerger of radio business - 141.98 - - - are true and correct and in conformity with Schedule II of the Companies Act, 1956, Schedule I of SEBI (Issue
21,543 persons in our operations. For further details please refer to the Prospectus. Surplus/ (Deficit) carried to Balance Sheet 9,043.25 5,795.20 1,841.79 1,918.75 1,555.50 1,052.04 and Listing of Debt Securities) Regulations, 2008, and the Listing Agreement to be executed with the stock
HISTORY AND MAIN OBJECTS exchanges, and no statement made in the Prospectus is contrary to the provisions of the Companies Act, 1956
Brief background of our Company : For details please refer to the Prospectus. For further details please refer to the Prospectus. or the Securities and Exchange Board of India Act, 1992 or rules, guidelines and circulars issued thereunder.
Main objects of our Company : For details please refer to the Prospectus. DISCLOSURES ON EXISTING FINANCIAL INDEBTEDNESS SIGNED BY ALL DIRECTORS: M. G. George Muthoot - Whole Time Director and Chairman, George Thomas
OUR MANAGEMENT A. Details of Secured Borrowings: Our Company’s secured borrowings as on September 30, 2011 amount to Muthoot - Whole Time Director, George Jacob Muthoot - Whole Time Director, George Alexander Muthoot -
Board of Directors:The general superintendence, direction and management of our affairs and business are ` 134,849.95 million. For further details please refer to the Prospectus. Managing Director, P. George Varghese - Independent Director, K. John Mathew - Independent Director, John
vested in our Board of Directors. We have not appointed any ‘manager’ within the meaning thereof under the B. Details of Unsecured Loans: For details please refer to the Prospectus. K Paul - Independent Director, George Joseph - Independent Director
provisions of the Act. Under the Articles of Association, we are required to have not less than three Directors C. Restrictive Covenants under our Financing Arrangements: For details please refer to the Prospectus. Date: December 16, 2011 Place: Kochi, India
and not more than 12 Directors. We currently have 8 Directors on the Board out of which 4 Directors, i. e. 50% LEGAL AND OTHER INFORMATION
of the total strength of Directors are independent directors. M. G. George Muthoot Age: 62 Whole Time Director PENDING PROCEEDINGS AND STATUTORY DEFAULTS FOR FURTHER DETAILS, PLEASE REFER TO THE PROSPECTUS
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Muthoot finance limited ncd application form dec 2011 jan 2012
This document is an application form for non-convertible debentures (NCDs) being issued publicly by Muthoot Finance Limited. Some key details: - Muthoot Finance Limited is issuing secured NCDs of face value Rs. 1,000 each, aggregating up to Rs. 6,000 million. - The issue opens on December 22, 2011 and closes on January 07, 2012. - The debentures have been rated AA-/Stable by ICRA and CRISIL. - The form is for resident Indian applicants to apply for allotment of the NCDs issued by Muthoot Finance Limited as per the details in the prospectus dated
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Muthoot finance limited ncd application form dec 2011 jan 2012
- 1. APPLICATION FORM MUTHOOT FINANCE LIMITED (ONLY FOR RESIDENT APPLICANTS) Our Company was originally incorporated as a private limited company on March 14, 1997 under the provisions of the Companies Act, 1956, with the 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 : THURSDAY, DECEMBER 22, 2011 “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, JANUARY 07, 2012 and Lakshadweep.For further details regarding changes to the name and registered office of our Company, see section titled “History and Main Objects” 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. Application No. 75001372 Company Secretary and Compliance Officer:Rajesh A.; Tel: (91 484) 353 5533; Fax: (91 484) 239 6506; E-mail: cs@muthootgroup.com PUBLIC ISSUE BY MUTHOOT FINANCE LIMITED, (“COMPANY” OR “ISSUER”) OF SECURED NON-CONVERTIBLE DEBENTURES OF FACE VALUE OF ` 1,000 EACH, (“NCDs”), AGGREGATING UPTO ` 3,000 MILLION WITH AN OPTION TO RETAIN OVER-SUBSCRIPTION UPTO ` 3,000 MILLION FOR ISSUANCE OF ADDITIONAL NCDS AGGREGATING TO A TOTAL OF UPTO ` 6,000 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 /Co-Lead Manager’s/Broker’s Name & Code Sub-Broker’s/ Agent’s Code Bank Branch Stamp Bank Branch Serial No. Date of Receipt KSBL 23/07701-38 310109 310109 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 December 16, 2011, (“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) Public Financial Institution Commercial / Co-operative / Regional Rural Bank Provident Fund, Pension Fund, Superannuation Fund and Gratuity Fund National Investment Fund Category I 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 Partnership Firms in the name of the partner Limited liabiity partnership 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 Exchanges proposed : BSE, which is also the Face Value & Issue Price (` / NCD) (A) ` 1,000 ` 1,000 ` 1,000 ` 1,000 for listing of the NCDs Designated Stock Exchange Issuance and Trading : Compulsorily in dematerialised form Minimum Application ` 5,000/- (5 NCDs) (for all options of NCDs, namely Options I, Trading Lot : 1 (one) NCD Option II, Option III and Option IV either taken individually or collectively) Depositories : NSDL and CDSL In Multiples of ` 1,000 (1 NCD) Security : Security for the purpose of this Issue will be created in accordance with the terms of the Debenture Trust Deed. For further details please refer to the section titled “Issue Credit Rating - ICRA ‘[ICRA] AA-/Stable’ for an amount of upto ` 6,000 Million Structure” of the Prospectus. Credit Rating - CRISIL ‘CRISIL AA-/Stable’ for an amount of upto ` 6,000 Million Rating : For further details please refer to the Prospectus. Issue Schedule* : The Issue shall be open from December 22, 2011 to January 07, 2012. Coupon (%) per annum *The subscription list shall remain open for a period as indicated, Coupon Rate (%) for NCD Holders in Category I 13.00% 13.25% 13.25% N.A with an option for early closure or extension by such period, up to a period of 30 days from date of opening of the Issue, as may Coupon Rate (%) for NCD Holders in Category II 13.00% 13.25% 13.25% N.A be decided by the duly authorised committee of the Boardconstituted by resolution of the Board dated July 25, 2011. Coupon Rate (%) for NCD Holders in Category III 13.00% 13.25% 13.25% N.A In the event of such early closure of subscription list of the Issue, our Company shall ensure that notice of such early closure is Effective Yield (%) (per annum) given on or before the day of such early date of closure through advertisement/s in a leading national daily newspaper. Effective Yield (%) for NCD Holders in Category I 13.00% 13.25% 13.25% 13.43% Interest on Application Money : 8% per Annum from the date of realization of the cheque(s)/ Effective Yield (%) for NCD Holders in Category II 13.00% 13.25% 13.25% 13.43% demand draft(s) or after 3 (three) days from the date of receipt of the application, whichever is later. For further details please see General Instruction no. 36. Effective Yield (%) for NCD Holders in Category III 13.00% 13.25% 13.25% 13.43% Interest on Refund Money : 8% per Annum from the date of realization of the cheque(s)/ demand draft(s) or after 3 (three) days from the date of receipt of the application, whichever is Tenor 24 months 36 months 60 months 66 months later, subject to not being an invalid or withdrawn application. For further details please see General Instruction no. 36. Redemption Date 24 months from the 36 months from the 60 months from the 66 months from the Pay-in Date : 3 (Three) Business Days from the date of reciept of application or the date of Deemed Date Deemed Date Deemed Date Deemed Date realisation of the cheques/demand drafts, whichever is later. of Allotment of Allotment of Allotment of Allotment Deemed Date of Allotment : The date as decided by the duly authorised committee of the Redemption Amount (Per NCD) Repayment of the Face Value plus any interest that ` 2,000 Board constituted by resolution of the Board dated July 25, 2011, and as mentioned on the may have accrued at the Redemption Date. Allotment Advice / regret. Submission of Application Forms : All Application Forms duly completed together with cheque/bank draft for the amount payable on application must be delivered before the closing No of NCDs applied for (B) of the subscription list to any of the Bankers to the Issue or collection centre(s)/agent(s) as may be specified before the closure of the Issue. Applicants at centres not covered by the branches of collecting banks can send their forms together with a cheque/draft drawn on/ Amount Payable (`) (A x B) payable at a local bank in Mumbai to the Registrar to the Issue by registered post. For the purposes of the basis of allotment, the date on which the cheque is received by the Registrar pursuant to an Application, shall be deemed to be the date on which the Application was Total Number of NCDs (I+II+III+IV) made. For further details please see General Instruction no. 42A. Additional Applications : An applicant is allowed to make one or more applications for the Grand Total (I+II+III+IV) (` ) NCDs for the same or other series of NCDs. For further details please see General Instruction no. 45B. PAYMENT DETAILS (See General Instruction no. 42G) 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. 42E 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 75001372 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 Bank's 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 FINANCE LIMITED: APPLICATION FORMS AVAILABLE AT FOLLOWING LOCATIONS LEAD MANAGERS TO THE ISSUE / LEAD BROKERS TO THE ISSUE ICICI SECURITIES LIMITED AGRA:Mr.Sushant Bejroi,13a,1st Floor,Sadar Bazar,Sadar Bazar,Agra-282002,Uttar Pradesh,Tel 9219439387;AHMEDABAD:Mr.Vrunda Shastri,Shop No.1,2,3,4,Suvas Complex,1st Floor Above Icici Bank,Opp.Rajasthan Hospital Shahibaug.,Shahibaug,Ahmedabad-380004,Gujarat,Tel 079-65411338;Mr.Akhilesh Tiwari,Sardar Centre,Grd Floor Shop No.31 To 35 Near Vastrapur Lake,Vastrapur,Vastrapur,Ahmedabad-380015,Gujarat,Tel 079-40035920;Mr.Aalap Shah,Ground Floor Shop No 39,40,41,42 Sarjan 2,100 Feet Road,Sarjan 2,New C.G Road,Chandkheda,Chandkheda,Ahmedabad-382424,Gujarat,Tel 079-65445296;Mr.,First Floor,Shop No.106/107 Krishnabaug Char Rasta Kesharkunj Complex Maninagar,Kesharkunj,Maninagar,Ahmedabad-380008,Gujarat,Tel 079-65411235;Mr.Ravi Sethia,Ground Floor,Shop No 4 & 5 Shilp Corner,Subhash Chowk Gurukul Road,Memnagar,Memnagar,Ahmedabad- 380052,Gujarat,Tel 079-40059883;Mr.Abhishek Sharma,First Floor Shop No 119 Akshar Commercial Complex Nr.Shivranjani Cross Road Satellite Road,Satellite Road,Ahmedabad-380015,Gujarat,Tel 079-40060134;Mr.Krunal Nanavati,Shop No 6,Sun Complex,C.G.Road,,C G Road,Ahmedabad- 380009,Gujarat,Tel 079-64501668;ALLAHABAD:Mr.Satyajit Nag,27/17,1st Floor,Algin Road,Civil Lines,Civil Lines,Allahabad-211001,Uttar Pradesh;AJMER:1st Floor,17/517,Kutchery Road,,Ajmer - 305001;AMRITSAR:Mr.Saurav Gupta,3,Lawrence Road,Lawrence Road,Amritsar-143002,Punjab,Tel 0183- 5019992;AURANGABAD:Mr.Bhavesh Bhanushali,Gr.Floor,Ghai Chambers,Jalna Road,,Jalna Road,Aurangabad-431001;BANGALORE:Mr.Deep Kumar,73/1-1,Krishna,Infantry Road,Infantry Road,Bangalore-560001,Karnataka,Tel 080-65317814;Mr.Kuldeep Kalyankumar,First Flr,Cnn & Yashosha Complex,No.87,Hbcs Layout,Near West Of Chord Road Shankarmath Circle,Opp Chord Hospital,Basweswar Nagar,,Basweswar Nagar,,Bangalore-560079,Karnataka,Tel 080-41288270;Mr.Anand Moitra,First Floor,No.9/1,Cambridge Road Layout,First Cross,,Camnridge Road,Bangalore-560008,Karnataka,Tel 080-64526810;Mr.Vipin Trivedi,First Floor,No.778/A,Chinnaswamy Chambers,Off Cmh Road Indira Nagar.,Indira Nagar -Bglr,Bangalore-560038,Karnataka,Tel 080-41261159;Mr.Shashikanth Rao,Sriranga Complex,No.77,First Floor,Dr.Modi Road,2nd Stage West Of Chord Road,,Dr.Modi Road,Bangalore- 560086,Karnataka,Tel 080-64526798;Mr.Kirankumar Np,First Floor No.50 Little Plaza,,Cunningham Road,,Cunningham Road,Bangalore-560052,Karnataka,Tel 080-41231688;Mr.Prakash Srivastava,First Floor,135/5,15th Cross,100 Ft Ring Road,3rd Phase J P Nagar,J P Nagar,Bangalore-560078,Karnataka,Tel 080-41208808;Mr.Mallikarjun Kubsad,First Floor,No 81/B 22nd Cross Jaya Nagar,3rd Block,Jaya Nagar,3rd Block,Bangalore-560041,Karnataka,Tel 080-41308445;Mr.,No:399,White Gold,1st Floor 24th Cross,Bhanashankari Ii Stage,Bhanashankari Ii Stage,Bangalore-560070,Karnataka,Tel 080- 26713969;Mr.Amitabh Kumar,Second Floor,No:4c-402 Hrbr Layout Kamanahalli Ii Block,Kamanahalli,Bangalore-560043,Karnataka,Tel 080-64526802;Mr.Satyajeet Sharma,First Floor No.209,New Bel Road,New Bel Road,Bangalore-560054,Karnataka,Tel 080-41675355;Mr.Sukesh Ks,#105,A.E.C.S.Layout 2nd Stage 5th Main Post Officeroad Sanjay Nagar Main Road,Sanjay Nagar,Bangalore-560094,Karnataka,Tel 080-64526801;No.46,100 Feet Road,First Floor,Koramangala,6th Block,,Bangalore - 560095;Mr.Manish Kumar,6/1,Ghandi Bazar First Floor,Basavanagudi Main Road,Gandhi Bazar.,Gandhi Bazar,Bangalore-560004,Karnataka,Tel 080-41692569;Mr.Narendra Kumar,No.2,100ft Ring Road,Katriguppa Circle,Bhanashankari Iii Stage,Bhanashankari Iii Stage,Bangalore-560085,Karnataka,Tel 41711313;Mr.Dhananjay Kumar,No 72/1-B,Kanakapura,Mani Road Jarganahalli,Kanakapura Road,Bangalore- 560078,Karnataka,Tel 080-41461441;Mr.Pratik Vora,No.20,1st Main,Gandhinagar,Gandhinagar,Bangalore-560009,Karnataka,Tel;Mr.Piyali Roychowdhury,No.46,100 Feet Road,First Floor,Koramangala,6th Block,,Koramangala,,Bangalore-560095,Karnataka,Tel;Mr.Naveen Gowda,147,First Floor,Anjaneya Complex,Hal Airport Road,Near Petrol Pump,,Anjaneya Complex,Bangalore-560017,Karnataka;BHOPAL:Mr.Vinit Karmalekar,2,Malviya Nagar,Opp.Old Vidhan Sabha,,Malviya Nagar,Bhopal,Bhopal-462001,Madhya Pradesh;BHUBANESHWAR:Mr.,Ground Floor,Plot No-99 Janpath,Unit- 3,Kharbelnagar,Janpath,Bhubaneshwar-751001,Orissa;BIKANER:Mr.Manoj Sethia,Gr.Floor,44,Panchshati Circle,Sadulganj,,Bikaner,Bikaner-334001,Rajasthan;CUTTACK:1st Floor,Plot No.37 & 38,Dolamundai Post Office - Telenga Bazar,,Cuttack - 753009;CHANDIGARH:Mr.Rajiv Goyal,Sco-181/182,1st Floor,Next To British Library,Sector 9c,Sector 9c,Chandigarh-160017,Punjab,Tel 0172-6510236;Mr.,Sco 62,Sec - 47c,,Sec 47c,Chandigarh,Chandigarh-160047,Punjab;CHENNAI:Mr.Shanmugam S,Shop No.10 & 11 Arihant Vaikunt,No 123,Brick Kiln Road,‘Purasawalkkam,Purasawalkkam,Chennai- 600007,Tamilnadu,Tel 044-43546139;Mr.Senthilkumar Ar,Ashok Sriranga,No.1 9th Street,Nanganallur,Nanganallur,Chennai-600061,Tamilnadu,Tel 044 23460211;Mr.Wilson A,Ground Floor,Plot No.1072 Munusamy Salai,Next To Pondicherry Guest House,West K K Nagar,West K K Nagar,Chennai- 600078,Tamilnadu,Tel 044-23460262;No.228,Thambu Chetty Street,Parrys,Chennai - 600001;Mr.Suneesh Em,405,Tiruvalluvar Salai Mogappair,Paneer Nagar,Mogappair,Chennai-600037,Tamilnadu,Tel 044-24360227;Mr.,First Floor T-1,Yesesi Supermarket Building Annanagar,Annanagar,Chennai- 600040,Tamilnadu,Tel 044-23460214;Mr.,Flat No 4,70/27 North Mada Street Mylapore,Mylapore,Chennai-600004,Tamilnadu,Tel 044-23460202;Mr.Priyadharsini G,475 Kilpauk Garden Road,Kilpauk,Kilpauk,Chennai-600010,Tamilnadu,Tel 044 23460234;Pvm Complex,Plot No 1& 2,Vgp Vimala Nagar,Velachery Main Road,Medavakkam,,Medavakkam,Chennai-600100,Tamilnadu,Tel 044-22772691;Mr.Kowshik N,1,3rd Cross Street Kasturibai Nagar,Adyar,Adyar,Chennai-600020,Tamilnadu,Tel 044 23460211;Mr.Saravanan B,Ground Floor,No.17 Arunachalam Road Saligramam,Saligramam,Chennai- 600093,Tamilnadu,Tel 044-23460253;Mr.Panchapakesan S,Shop No.2,Century Plaza,560-562,Annasalai,Teynampet,Annasalai Teynampet,Chennai-600018,Tamilnadu;COIMBATORE:444,X-Cut Road,Gandhipuram,Coimbatore,Coimbatore - 641012;DEHRADUN:Mr.Rajan Rawat,81a,Rajpur Road,Uttam Place,Dehradun,Uttam Place,Dehradun,Dehradun-248001,Uttarakhand;FARIDABAD:Ground Floor,Sco 52,Huda Market,Sector-29.,Faridabad - 121008;GHAZIABAD:Indira Puram,Ground Floor,Supertech Icon,Nayay Khand-I,Indira Puram,Ghaziabad - 201010;Shalimar Garden,Office No S-4,5,7 & 8,Ground Floor,Girdhar Plaza.Plot No.H-1,Block No.B,Shalimar Garden,Sahibabad,Ghaziabad - 201005;GURGAON:Mr.Shalabh Maheshwari,Sco 4,Sector 14,,Sco 4,Gurgaon,Gurgaon-120001,Haryana;Mr.Vikas Singh,A-4,5,Dlf Shopping Mall Arjun Marg,Dlf City-I,Dlf City-I,Gurgaon-122002,Haryana,Tel 0124- 4381240;GUWAHATI:Mr.Uttam Kumarshahu,3rd & 4th Floor,D.R.Braj Mohan Building,Opp.Abc Bus Stand G.S.Road,,Guwahati,Guwahati-781005,Assam;HUBLI:Kvm Plaza,1st Floor Next To Jtk Show Room,Club Road (Bellow Vlcc),Hubli,Hubli-580029,Karnataka,Tel 0836-4265221;HYDERABAD:Habsiguda,Ground Floor,Survey No.19/A,Ward No1 D.No.4-65/5,Street No,8 Habsiguda,Secunderabad - 500007;Padmarao Nagar,A-G-1 & A-G-2,Conjeevaram House,Padmarao Nagar.,Secunderabad - 500025;Hi Tech City,Ground Floor,Plot No 29 Opp.Cyber Towers,Hi- Tech City,Madhapur,Secunderabad - 500033;Marredpally,D No.3-6-100/B,Ground Floor,Opp.Vijaya Bank,West Marredpally,Secunderabad - 500026;Penderghast Road,Groud Flr,D.No:1-8-138 To 143,Krishna Castle,Besi - Heritage Flights,Penderghast Road,,Secunderabad - 500003;Mr.Ravikumar Nangunoori,D.No.19-64,1st Floor,Prasanna Heights Brundavan Colony,Opp.A.S Rao Nagar Colony,A S Rao Nagar,Hyderabad-500062,Andhra Pradesh,Tel 040-64530409;Mr.Sitaraman H,1st Floor,Shop No.1,2&3 Sreeram Rama Towers,Chaitanyapuri,Dilsukhnagar,Dilsukhnagar,Hyderabad-500060,Andhra Pradesh,Tel 040-64530404;Mr.Vasudebo Naram,D No.2-2- 1130/25a,Chintala Arcade Sivam Main Road,Prasanth Nagar New Nalllakunta,Nallakunta,Hyderabad-500044,Andhra Pradesh,Tel 040-64530412;Mr.Sureshkumar Arla,1st Floor,3-6-517,Shop No-103 Sai Datta Arcade,Himayatnagar,Main Road,Himayatnagar,Hyderabad-500029,Andhra Pradesh,Tel 040- 64530452;Mr.Gblaxminarayana Raju,Ground Floor,11-4-659 Bhavya Farooqi Splendid Towers Red Hills,Lakdikapool,Lakdi Ka Pool,Hyderabad-500004,Andhra Pradesh,Tel 040-64530474;Mr.Raghavendraprasad Patnam,First Floor,B- 44 Journalist Colony Film Nagar Road,Jubilee Hills,Jubilee Hills,Hyderabad- 500016,Andhra Pradesh,Tel 040-64530463;Mr.Maheshwar Mn,First Floor,6-3-111 Amrutha Mall Somajiguda,Somajiguda,Hyderabad-500082,Andhra Pradesh,Tel 040-64530440;Ground Floor,101 & 102 Prashanthi Ram Towers,Behind Saradhi Studio,Yellareddy Guda.,Hyderabad - 500073;Mr.Bura Rajkumar,First Floor,D.No.1-10-209,Kamala Towers Ashoknagar,Ashoknagar,Hyderabad-500020,Andhra Pradesh,Tel 4064530480;Mr.Srinivasarao Muddapati,32/3rt,First Floor Municipal No.7-1-261/92e Sanjeeva Reddy Nagar,Opp Nest Apartment,S R Nagar,Hyderabad-500038,Andhra Pradesh,Tel 040- 64530497;Mr.Harish Reddy,First Floor,Concourse Building Opp:Meridian Plaza,Green Lands Road,Ameerpet,Ameerpet,Hyderabad-500016,Andhra Pradesh,Tel 040-64530418;Mr.Narendar Konduparthy,Plot No 3 & 4 Sreerama Towers,Opp: Andhra Bank Miyapur.,Miyapur,Hyderabad-500049,Andhra Pradesh,Tel 040-64530492;Mr.,214 Mig Kphb Colony,Road No.1,Near Kphb Kaman,Kukatpalli,Kukatapalli,Hyderabad-500072,Andhra Pradesh,Tel 040-64530432;INDORE:Mr.Anuj Pandey,1st Floor,Anjani Plaza,Ashok Nagar,,Ashok Nagar,Indore,Indore-452001,Madhya Pradesh;Mr.Anand Peshkar,Ug- 6,Ug-7,Shekhar Residency,Opp Hotel Forture Land Mark,Scheme - 54,Sector F,,Shekhar Residency,Indore-452001,Madhya Pradesh;Mr.Abhishek Gupta,Ug 5/6,Royal Road Gold,A.Y.N.Road,,Ayn Road,Indore-452001,Madhya Pradesh,Tel 731-4205430;JABALPUR:Mr.Sanjeev Singh,655,Napier Town,Katanga Gorakhpur Crossing,,Napier Town,Jabalpur-462001,Madhya Pradesh;JAIPUR:Mr.Govind Choudhary,Gr.Floor,Opp.G.P.O.M I Road,M I Road,Jaipur-302001,Rajasthan,Tel 0141-4027611;Mr.Alok Mukerjee,Shop No.G-8,G-9 Vaishali Tower Ii Vaishali Nagar,Nursery Circle,Vaishali Nagar,Jaipur-302021,Rajasthan,Tel 0141-4027601;Mr.Taruna Ramwani,A-2,Lal Kothi Shopping Center Near Lakshmi Mandir Cinema Tonk Road,Tonk Road,Jaipur-302015,Rajasthan,Tel 0141-4027618;JAMNAGAR:Mr.Satish Bhalara,3rd Floor,Cross Road Complex,Opp.D.K.V.College,Bedi Bunder Road,,Bedi Bunder Road,Jamnagar- 361008,Gujarat;JAMSHEDPUR:Mr.Deepak Ranjan,Gayatri Enclave 2nd Floor (Rear Portoin) Bistupur.,Jamshedpur,Jamshedpur-831001,Jharkhand,Tel 0657 - 6576455;JODHPUR:Mr.Puja Ray,Gul-Indi Bhawan,1st Floor,Plot No.9/A/B/I And Iii,Ratanada,Nr.Punjab National Bank,Ratanada Road,,Bhati Circle,Jodhpur,Jodhpur-342001,Rajasthan;KANPUR:Mr.Ranjan Shukla,111/432,80 Ft Road,Ashok Nagar,,Ashok Nagar,Kanpur,Kanpur-208001,Uttar Pradesh;KOLKATA:Mr.Arindam Saha,30-G,Chowringee Mansion,J L Nehru Road Park Street.,Park Street,Kolkata-700016,West Bengal,Tel 033- 22275034;Mr.Ranjan Rout,112a,Third Floor,Rash Behari Avenue,Rashbehari Avenue,Kolkata-700029,West Bengal,Tel 033 ? 65502101;Mr.Nitish Shrivastava,339,Canal Street,Lake Town,,Lake Town,Kolkata-700048,West Bengal,Tel;Mr.Madhuri Gupta,95,Dumdum Road,,Dumdum Road,Kolkata,Kolkata- 700074,West Bengal,Tel;Mr.Debpriyo Bose,P.S.Srijan Tech Park,Dn 52,Salt Lake City,Sector V,,Salt Lake City,Kolkata-700091,West Bengal,Tel;Mr.,46 C,Jawaharlal Nehru Road,15a,Everest House,Everest House,Kolkata-700071,West Bengal;Victoria Plaza,385,Garia Main Road,Kolkata - 700084;KOCHI:First Floor,Adonai Towers,,S.A.Road,,Kochi - 682016;1st Floor,Prabhus Towers,Mg Road,North End,,Kochi - 682035;44/2102-C,Deshabhimani Junction,Kaloor,,Kochi - 682017;LUCKNOW:Mr.Imran Khan,Ground Floor,Landmark Arcade2 Badshah Nagar Crossing Faizabad Road,Badshah Nagar Crossing,Lucknow- 226006,Uttar Pradesh,Tel 0522-4047519;Mr.Anuj Rastogi,Raj Palace,A1/15 Sector H,Purania Chauraha,Aliganj,Aliganj,Lucknow-226024,Uttar Pradesh,Tel 0522 - 4048855;Mr.Vikram Singh,S/268,E Block Market Awasthi Complex,Rajajipuram,Rajajipuram,Lucknow-226017,Uttar Pradesh,Tel 0522- 4046306;Mr.Nitesh Tiwari,First And Second Floor,Speed Building,3,Shahnajaf Road,Shahnajaf Road,Lucknow-226001,Uttar Pradesh;LUDHIANA:Mr.Gurpreet Mangat,Sayal Complex,Near Cycle Market,Gill Road,,Gill Road,Ludhiana-141001,Punjab;MADURAI:Mr.Prabhu N,1st Floor,No.466,467 A.R.Complex K.K.Nagar,Madurai 625020 Tamilnadu,K.K.Nagar,Madhurai,Madurai-625020,Tamilnadu;MOHALI:Mohali,Phase-10,Scf 15,16,17 Phase-10,Mohali,Mohali – 160060;MUMBAI:Gr.Floor,H.T Parekh Marg,Back Bay Reclamation,Churchgate,,Mumbai - 400020;Shree Sawan Knowledge Park,Gr.Floor,Plot No.D-507,T.T.C Industrial Area,M.I.D.C,Turbhe,Near Juinagar Railway Station,400705;Mr.Ajay Singh,1st Floor,Gopi Cinema Mall,,Dombivali (W),Dombivali-421202,Maharashtra,Tel;Mr.Mehul Shah,Shop No 11,Megh Apartment Junction Of Factory Lanes & Lt Road,,Megh Apt -Boriwali(W),Mumbai- 400092,Maharashtra,Tel;Mr.Dhruv Mehta,Jaya Apartments,R B Mehta Road,Near Patel Chowk,Ghatkopar (E),Jaya Apt,Ghatkopar (E),Mumbai-400075,Maharashtra,Tel 022-65972581;Mr.Sankalp Kumar,Shop No.9,10 Meriline Corner,Near Sion Circle Sion (E),Sion,Mumbai-400022,Maharashtra,Tel 022 65972877;Mr.,Shop No.1 & 2,Dilkush Bungalow J.P.Road,Andheri West,Andheri (W),Mumbai-400058,Maharashtra,Tel;Mr.,56/57,Saraf Choudhari Nagar Co.Op.Soc.,Thakur Complex Kandivali East,Thakur Complex,Kandivali (E),Mumbai-400101,Maharashtra,Tel 022-65972165;Mr.Umesh Gupta,Shop No.26,27 & 51,Gr.Floor,Ashoka Shopping Centre Lt Marg,Gt Hospital Compound Marine Lines,Marine Lines,Mumbai-400002,Maharashtra,Tel 022-65972151;Mr.Rahul Jain,1a&2,Balaji Arcade S.V Road Kandivili (W),Kandivali(W),Mumbai-400067,Maharashtra,Tel 022-67252026;Mr.,Ground Floor Jayshree Plaza L.B.S.Marg,Bhandup (W),Bhandup (W),Mumbai-400078,Maharashtra,Tel 022-67252071;Mr.Sahana Shetty,Gr.Floor,Shop No.7,8,9,Anand Vatika Siddharth Nagar,Nr City Centre,S V Road Goregaon (W),Goregaon (W),Mumbai-400062,Maharashtra,Tel 022-65145413;Mr.,Gr Floor,Devraj Mall,Krishna Kunj Hsg Soc.Harishankar Joshi Road,Opp.Madhuram Hall,Dahisar (E).,Dahisar (E),Mumbai-400068,Maharashtra,Tel 022 65973037;Mr.R Shastri,1st Floor Sai Kiran,Central Avenue 11th Road Junction Chembur.,Chembur,Mumbai-400074,Maharashtra,Tel 022 67706455;Mr.Arvind Tiwari,Radha Kunj,Azadnagar,Vile Parle West,Vile Parle West,Mumbai-400056,Maharashtra,Tel 022 66712660;Mr.Amit Beri,Gr.Floor,Vardhaman Apt.,40,Hanuman Road,Vile Parle (E),Vile Parle (E),Mumbai-400057,Maharashtra,Tel;Mr.Pawan Bali,Gr.Floor,Shop No.2,Grace Chamber,Amrit Nagar,Chakala,Andheri (E),,Amrit Nagar,Andheri (E),Mumbai-400093,Maharashtra,Tel;Mr.,227,Gr.Floor,G-2a,Nariman Bhavan,Nariman Point,Nariman Bhavan,Mumbai-400021,Maharashtra,Tel;Mr.Rajesh Singh,Shop No.1,2,3,4,Shagun Mall,Dindoshi,Gokul Dham,Goregaon (E),,Shagun Mall,Mumbai- 400063,Maharashtra,Tel;Mr.Kshitij Sharma,Shop No 4,5,6,7 Roop Maya Co-Op Hsg.Soc.,Sector 6 Airoli,Airoli,Navi Mumbai-400708,Maharashtra,Tel 022 65143243;Shop No.1,Bhomi Tower,Sec - 4,Plot No.28,Kharghar,,Navi Mumbai - 410210;Mr.Anup Kumar,Shop No.6,7 & 8,Ground Flr.Vaishnavi Tower,Sector-44 Nerul (W).,Nerul (W)Sec-44,Navi Mumbai-400706,Maharashtra,Tel 022 65143650;Gr.Floor,Tulsi Pooja Shopping Center,New Panvel (E).,Navi Mumbai - 410206;Mr.Vikas Sharma,Apsara Building Shop No.4,Sector - 17,Vashi.,Vashi,Sector 17,Navi Mumbai-400702,Maharashtra,Tel 022 67124805;MEERUT:P P Plaza,Plot No.177/1,Mangal Pandey Nagar,Meerut - 250005;MYSORE:Mr.Anil Mn,D.No.86/3a,Panabvati Circle,Kalidasa Road,Jayalakshmipuram,,Kalidasa Road,Mysore-570012,Karnataka;NAGPUR:Mr.Ravindra Akhare,First Floor,Shop No.138 To 140 Shree Ram Shyam Towers,,Sadar - Hub,Nagpur-440001,Maharashtra,Tel 0712-6631608;Mr.Amit Gondewar,Ganesh Heights Kotwal Nagar Ring Road,Khamla,Khamla,Nagpur-440015,Maharashtra,Tel 0712 - 6452494;NASIK:Mr.Kalpesh Solanki,Shop No.67,68,Vasant Market,Canada Corner,,Canada Corner,Nasik,Nasik- 422002,Maharashtra;Mr.,Ground Floor,Plot No.7,Mahindra Memorial Centre,Near Babu Bunglow,Rathchakra Chowk,Vadala- Pathardi Road,Indira Nagar,Indira Nagar,Nasik-422009,Maharashtra,Tel 0253 6572116;NOIDA:Mr.Sarfaraz Ahmed,16,15,14,& 12-A,Ground Floor,Msx Tower Ii,,Greater Noida,Greater Noida-201306,Uttar Pradesh;Mr.Kumar Shivendra,B 1/34-35,Central Market Sector-50,Noida Sector 50,Noida-201301,Uttar Pradesh,Tel 9810139014;NEW DELHI:Mr.Khagendra Pant,Ground Floor,Ug-05,Upper Gr.Floor,Vikas Surya Plaza,7 Community Centre,Road No.44,Pitam Pura,Rani Bagh,Pitam Pura,Rani Bagh,New Delhi-110034,Delhi,Tel 011-42644297;Mr.,Ground Floor,Plot No.24,25,Lsc Mayur Vihar-Ii,Mayur Vihar-Ii,New Delhi-110091,Delhi,Tel 011-43306905;Mr.Jaydev Mandal,Ground Floor & Mezzanine,Ab-11,Community Center Safdarjung Enclave,Safdarjung Enclave,New Delhi- 110029,Delhi,Tel 011-46026136;Mr.Supreet Arora,Ground Floor & Mezzanine,29,Community Centre,Naraina Industrial Estate,Phase - I,Naraina,New Delhi-110028,Delhi,Tel 011-45009954;Mr.,Building No 4,1st Floor,Smr House,Basant Lok Vasant Vihar,Vasant Vihar,New Delhi-110057,Delhi,Tel 011- 46039807;Mr.Puja Kumari,1st Floor,Shop No.39 Pushpa Market,Lajpat Nagar Ii,Lajpat Nagar,New Delhi-110024,Delhi,Tel 9910692530;Mr.Ravikumar Sharma,Ground Floor Plot No-8a Block No.E,Hauz Khas,Hauz Khas,New Delhi-110016,Delhi,Tel 011-41654853;Gr.Floor,Premises No F-3/28,Krishna Nagar,Near Vijay Chowk,Main Market,,New Delhi - 110051;Mr.Mohammad Aamir,Ground Floor & First Floor Plot No 17,Community Center Mayapuri,Mayapuri,New Delhi-110064,Delhi,Tel 011-45501297;Mr.Rahul Sharma,Ground Floor 4435-3/6,Portion 4/7 Ansari Road,Next To Corrporation Bank Atm,Daryaganj,Daryaganj,New Delhi-110002,Delhi,Tel 011-43540813;Mr.Ravish Singh,Gr.Floor,1st Floor,Plot No-10,Lsc Rajdhani Enclave,Vikas Marg,Rajdhani Enclave,Near Karkardooma,Rajdhani Enclave,New Delhi-110092,Delhi,Tel 9971091474;Mr.Mayank Kheror,Ground Floor,Rohini Sector-9,Near Kadambri Cghs Ltd,Rohini Sec 9,New Delhi-110085,Delhi,Tel 9910692511;Mr.Rahul Aggarwal,Ground Floor & Upper,22 Central Market Ashok Vihar,Ashok Vihar,New Delhi-110052,Delhi,Tel 011-47023584;Mr.Vishal Narang,Unit F-7,8,9,10,11,12,13,14 Malik Buildcon Plaza-2 Pocket-V Sec 12,Dwarka,Dwarka,New Delhi-110075,Delhi,Tel 011- 45537264;Mr.Deepak Thakur,Gr.Floor 30/5,Nangia Park Circle Shakti Nagar,Nangia Park,New Delhi-110007,Delhi,Tel 011- 47013716;Mr.Arindam Biswas,Ground Floor 3c/4,New Rohtak Road,New Rohtak Road,New Delhi-110005,Delhi,Tel 9910990777;Mr.Mayank Pandey,First Floor (Left Side) Dda Shopping Complex Alaknanda,Alaknanda,New Delhi-110019,Delhi,Tel 011 - 41767514;Mr.Aseem Kapoor,Plot No.13,Community Centre,New Friends Colony,New Friends Colony,New Delhi-110065,Delhi,Tel 011- 41672696;Mr.Samit Kapoor,179 - 182,Dda Office Complex Rajendra Bhawan Rajendra Palace,Rajendra Place,New Delhi-110008,Delhi,Tel;Mr.Sarika Abrol,Shop No.45 & 46,Tilak Nagar,,Tilak Nagar,New Delhi-110018,Delhi,Tel;Mr.,114/115,1st Floor,Arunachal Bldg 19 Barakhamba Road,Connaught Place,Connaught Place,New Delhi-110001,Delhi,Tel;Mr.Jitender Arya,J2/21,1st Floor,Rajouri Garden,,Rajouri Garden,Delhi,New Delhi-110027,Delhi;PATNA:Mr.Anup Srivastwa,Icici Bank Premises,Sumitra Sadan,Boring Road Crossing,,Patna,Patna-800001,Bihar,Tel 0612-6450217;PONDICHERRY:Mr.Prabhu Ponnusamy,Gr.Floor,Avn Plaza,100 Ft Road Gayatri Nagar,Mudaliarpet,Gayatri Nagar,Pondicherry-605004,Pondicherry;PUNE:Mr.Abhinav Kumar,Ground Floor Abhimanshree Apartments-2 Condominium Bhuvaneshwar Society,Aundh,Aundh,Pune-411007,Maharashtra,Tel 020-64009578;Mr.Janki Vyas,Ground Floor,Sheetal Plaza Cts No.1125,Final Plot No.499 Model Colony,Shivajinagar,Bhamburda,Model Colony,Pune-411016,Maharashtra,Tel 020-64009581;Mr.Vijay Avhad,Rama S.No 682/A,Cts No 1048 Plot No 49,Chatrapati Rajaram Co-Op Hou.Soc Jedhenagar,Bibwewadi,Bibwewadi,Pune-411037,Maharashtra,Tel 020-64780045;Mr.,Office No.3,Teddies Apartment Opp.Gera Junction,Kondhawa,Kondhawa,Pune-411048,Maharashtra,Tel 020 64789996;Mr.,Gr.Floor & Mezzanine,Krishnakunj,S No.211 Hissa No.2e,Plot No.17 Kalyaninagar,Yerwada,Kalyaninagar,Pune-411006,Maharashtra,Tel 020-64000280;Mr.Seema Kumari,Gr.Floor & Basement Pramila Apt,Plot No.16,Beside Hotel Kamat,Dahanukar Colony Circle,Kothrud,Kothrud,Pune-411029,Maharashtra,Tel 020-64000279;Mr.Rahul Rathi,Gr.Floor,86a,Survey No.390/1684-1 M.G.Road,Opp.Kohinoor Restaurant,Camp,M.G.Road,Pune-411001,Maharashtra,Tel 020 64000284;Mr.,Groud Floor,Premsagar,H Wing Near Pcmc Auditorium Chinchwad,Chinchwad,Pune-411033,Maharashtra,Tel 020-27463416;Mr.Ruchi Singh,Shop No 1 & 2 Gr.Floor Sneh Bldg,Cts No 1404 Near Jamtani Cross,Pimpri,Pimpri,Pune-411017,Maharashtra,Tel 020-26451574;Mr.Aashish Agarwal,Ground Floor,Near Vishal Megamart,Kpct B Wing S No.16,Hisa No.1/1,Cts No.912,Wanawadi Fatimanagar.,Fatimanagar,Pune-411040,Maharashtra,Tel 020-64009551;RAJKOT:Mr.Manish Savaliya,1st Floor,Shantiniketan Complex 150 Feet Ring Road Opposite Kkv Hall,150 Feet Ring Road,Rajkot,Rajkot-360007,Gujarat,Tel 0281-6451154;RAIPUR:Ge Road,Maruti Business Park,Ff-03,Ge Road,,Raipur - 492001;RANCHI:Mr.Satya Saurabh,First Floor,Ranchi Club Complex,Main Road,Ranchi Club Complex,Ranchi-834001,Jharkhand;RAJAHMUNDRY:Mr.Raju Mp,Door No: 46-22-11,Karrisu Reddy Plaza,Danavaipeta,East Godavari District,,Rajahmundry,Rajahmundry-533103,Andhra Pradesh;SALEM:Mr.Karuppaian C,1st Floor,270/1,Bharathi Street,Swarnapuri,,Salem,Salem-636004,Tamilnadu;SURAT:Mr.Prashant Kanade,1st Floor Viishal Chambers Nr.Athwagate Charrasta,Besides Sardar Bridge,Athwagate Charrasta,Surat- 395001,Gujarat,Tel 0261-6548407;Mr.Kuldeep Singh,G/10,11,12 Sarthi Complex Hira Baug,Warachha,Hira Baug,Surat-395006,Gujarat,Tel 0261-6548438;Mr.,Shop No.35,36 & 37,2nd Floor,Shreeji Arcade Complex Anand Mahal Road,Adjan Road,Shreeji Complex,Surat-395009,Gujarat,Tel 0261- 6548419;THANE ( MUMBAI ):Mr.Rajnish Pathak,Ground Floor,Block 1,Shop No 3,Emerald Plaza Hiranandani Meadows,Glady Alvares Marg Off Pokhran Road No.2,Thane (W),Emerald Plaza,Thane-400610,Maharashtra,Tel 022-67252084;Mr.,Olympia Bldg Poonam Sagar Mira Road (East),Mira Road (E),Thane-401107,Maharashtra,Tel 022-65972171;Mr.,1st Floor,Office No.2 Gaurangi Chambers,Opp.Damani Estate L.B.S.Marg.,L.B.S.Marg,Thane-400602,Maharashtra,Tel 022-66736689;Mr.Kamal Roy,Ground Floor,Galleria,Talao Pali,,Talao Pali,Thane (West),,Thane- 400602,Maharashtra;TRICHUR:Thrissur,R.V.Trade Centre,Third Floor,Patturaickal,Thrissur - 680022;TRICHY:Mr.Sadiq Basha,Gr.Floor,No.B14colony Main Road,Thillai Nagar,Colony Main Raod,Trichy,Trichy-620017,Tamilnadu;THIRUVANANTHAPURAM:Mr.Jomey Joseph,2 Nd Floor,Kamala Towers,Vazhuthacaud,,Trivandrum,Trivandrum-695014,Kerala;TIRUPATI:Mr.Venkata Venkumahanthi,Gr.Flr D/O: 19-3-12/J4 Ramanuja Circle,Tirchanoor Road,,Tirupati,Tirupati-517501,Andhra Pradesh;TIRUPUR:Tirupur,The Coocoon,No.56/1,Sabari Salai,Binny Compund,,Tirupur - 641601;UDAIPUR:Mr.Kavish Tandon,Sf,5c,Madhuvan,Above Kotak Mahindra Bank,,Udaipur,Udaipur-313001,Rajasthan;VADODARA:Mr.,Ground Floor,Gardenview Chambers,Opp Kala Ghoda Circle Sayajiganj,Sayajiganj,Vadodara-390005,Gujarat,Tel 0256-6540546;Mr.Chirag George,Amrapali Complex,1st Floor,Shop No.142,143,144,145,146,Water Tank Road,Karelibaug.,Karelibaug,Vadodara-390018,Gujarat,Tel 0278-2433288;Mr.Bhumish Patel,Rutukalash Complex,Gr Floor Shop No 7,8,9 Tulsidham Char Rasta Manzalpur,Manzalpur,Vadodara-390011,Gujarat,Tel 0265 6566911;Mr.Hitesh Parmar,1st Floor,Gokulesh Ii,96 Sampatrao Colony,R.C.Dutta Road Alkapuri.,Gokulesh,Alkapuri,Vadodara-390007,Gujarat;VARANASI:Mr.Sapna Tiwari,21/2a,1st Floor,Karnachha Rathyatra Road,,Rathyatra Road,Varanasi-221001,Uttar Pradesh;VIJAYAWADA:Mr.Bazid Shaik,29-6-31,1st Floor,Sai Srinivasa Shopping Complex,Nakkal Road,Suryaraopet,,Vijaywada,Vijayawada-520001,Andhra Pradesh;VISHAKHAPATNAM:Visakhapatnam,1-83-43,1st Floor,Narendra Polyclinic Building,M V P Colony.,Visakhapatnam - 530017; A. K. STOCKMART PRIVATE LIMITED (A. K. CAPITAL SERVICES LIMITED locations would be same as given below) MUMBAI 30-39 Free Press House,3rd Floor,Free Press Journal Marg,215 - Nariman Point,Mumbai:400 021.DELHI 609,6th Floor,Antriksh Bhawan,22 Kasturba Gandhi (K.G)Marg,Connaught Place,New Delhi-110 001 Tel:- 011-23739628,011-47340685,Fax:-011-23739627 KOLKATA Om Towers,Unit no.1408,14th Floor,32,J.L.Nehru Road,Kolkata-700 071 Tel No.033 –22882644 Fax No: 033-22882643 HYDERABAD 5-9-93/1,Sakhti Sai Complex,207,2nd Floor,Chapel Road,Hyderabad – 500 001.Tel No.040-66759862 Fax No: 040-23297150 HDFC SECURITIES AGRA 2nd Floor,Deepak Wasan Plaza,17/2/4,Sanjay Place,Agra.Tel - 0562 - 2526888 – 97.AHMEDABAD 212,ISCON Centre,Shiv Ranjani Char Rasta,Satellite Road,Ahmedabad – 380015.Tel - 079-66612340-41-42-43.AHMEDNAGAR B - 22,Lower Ground floor,Amber Plaza,A building,Station Road,Ahmednagar – 414110.Tel - 0241- 2451974/75/76.Amritsar SCO - 5,D.S.C.Ranjit Avenue,Amritsar – 143001.Tel - 0183-5070100,0183-5070200.ANAND Office No.206,2nd Floor,Madhav Complex,Grid Cross Road,Anand 388 001,Gujarat.Tel - 02692-245831-32-33 & 644773.AURANGABAD Office A - 8,1st floor,A wing,Gurunath Sankul,Shriram Chowk,Shreya Nagar,kalda Corner,Aurangabad - 431005.Tel - 0240-2360820/21/22/23/24/2.BANGALORE Mount Kailash,33/5,B-Wing,Gr.Flr.,Meanee Avenue Road,Ulsoor,Nr.Lake Side hospital,Bangalore - 560042.Tel - 080-25577410.BELGAUM CTS No.5854,Congress Road,Tilakwadi,Belgaum – 590006.Tel - 0831-2445508.BHARUCH 3rd floor,Akshat Plaza,Above HDFC Bank,Near Link Road,Bharuch - 392001.Tel - 02642-252971-72-73-74,238975-76.BHAVNAGAR Office no.7,1st floor,Gopi Arcade,Waghawadi Road,Bhavnagar - 364002.Tel - 0278- 2570145-46-47 & 6450127-28-29-33.BHILAI 3rd Floor,Chauhan Estate,Near Chandra Mourya Talkies,GE Road,Bhilai,Chhatisgarh – 490023.Tel - 07882290318-276.BHUBANESHWAR Plot No.10,District Centre,Chandrashekharpur,Bhubaneshwar – 751021.Tel - 07882290318-276.CALICUT Techno Chemical Ind.Techno Top Bldg.,V.M.Basheer Road,Calicut – 673001.Tel - 0495-4488501-11.CHENNAI Aysha Complex,2 nd Floor,208,Anna Salai,Chennai - 600 006.Tel - 044-28297951-53.COCHIN Sudhas Bldg,2nd Floor,Madhav Pharmacy Junction,Bannerjee Road,Ernakulam,Cochin – 682018.Tel - 0484-4064516-519.COIMBATORE Ashirwad,36,D.B.Road,R.S.Puram,Coimbotore – 641002.Tel - 0422- 2541357 to 63.DHANBAD 2nd Floor,Commerce House 2,Shastri Nagar,Dhanbad – 826001.Tel - 0326-2300174.DURGAPUR,Kwality Hotel complex,1st floor,Bhiringi more,Nachan rd,Durgapur – 713213.Tel - 0343 - 2588791/92.GHAZIABAD 1st Floor,C-53,Raj Nagar District Center,Next to HDFC Bank,Rajnagar,Ghaziabad - 201001.Tel - 0120 2822312- 14-15-16-17-18-19-21.GURGAON O- 139,1st floor,DLF Shopping Mall,DLF Phase -1,Gurgaon - 122002,Tel- 0124 - 4063880 – 84.Haryana.GUWAHATI 1st Floor,Pushpanjali Complex,126,G.S.Road,Bhangagarh,Village Japorigog,Mouza Beltola,District Kamrup,Guwahati 781 005.Tel - 0361 - 2467104 to 07.HYDERABAD AMEERPETH Ground Floor,7-1-210,Ameerpet,Hyderabad – 500016.Tel - 040-40033480 – 4.INDORE Portion 102/103,1st floor,Sterling Arcade,Plot no.15/3,Race Course Road,Indore,M.P.452001.Tel -0731-4280780-81-82.JAIPUR B-5,Lalkothi,District Shopping Centre,Tonk Road,Jaipur – 320015.Tel - 0141-5190700-01-02-03-05.JALANDHAR Landmark,2nd floor ( front side),188-A,Model Town,Jalandhar 144001 Tel - 0181- 2440144.Punjab.JAMNAGAR Office No.401,4th Floor,“MADHAV SQUARE”,Limda Line Road,Opp.Avantika Complex,Jamnagar – 361001.Tel - 0288-6454407-08-09-10.JAMSHEDPUR,2ND Floor,Shaurya Arcade,New SNP area,sakchi,Jamshedpur-831001.Tel - 0657 - 2235912 to 21.JODHPUR 3rd floor,178,Narayanam,Upper Chopasni Road,Jodhpur - 342003.Tel - 0291-5150600-5100055.JUNAGADH Office # F-15,Balaji Avenue Opp.Rajalaxmi Soc,Motibaug Junagadh – 362001.Tel - 0285-6546201-2.KANPUR.515 & 516 Kan Chamber1 14/113 Civil Lines Kanpur – 208001.Tel - 0512 - 2302992 –98.KOLHAPUR Office No.7A,1st Floor,Gemstone,517/2,New Shahupuri,Near Central Bus Stand- Kolhapur 416 001.Tel - 0231-2338135/6/7/8.KOLKATA DALHOUSIE 4,Clive Row,Jardines,3rd floor,Kolkata 700 001.Tel - 033 - 22134367 to 70 KOLKATA 8,Chittranjan Avenue,Barick Bhawan,3rd Floor,Kolkatta 700072.Tel -033 - 22129574 to 77.LUCKNOW 56-57,Chander Nagar,2nd Floor,Alambagh,Lucknow - 226005,Tel - 0522-2461684,UP.LUDHIANA Unit no.IV,1st floor,First Mall,Mall Road,Ludhiana - 141001.Tel - 0161-5069135.MADURAI 1st Floor,232,Naicker New Street,Madurai 625 001.Tel -0427-2265313- 17.MANGALORE Kayar Manj,2nd floor,M.G.Road,Mangalore - 575003.Tel - 0824-2459591.MEERUT 177/1 P P Plaza,2nd Floor,Opp.CCS University,Mangal Pandey Nagar,Meerut – 250001.Tel - 0121-4057015.MEHSANA Shop no.12 & 13,2nd floor,Prabhu Complex,Near Patel Automobiles,Near Rajkamal Petrol Pump,Highway,Mehsana – 384001.Tel - 02762-259816-17-18-19-20.MUMBAI - ANDHERI Shop No.5,Persian Co-op Housing Society,V.P.Road,Near BMC Bank,Andheri (West) Mumbai - 400 058.Tel - 022-40068483 to 40068485.MUMBAI- KANDIVALI A/002,Ground Floor,Blossom Co-op.Hsg.Soc.Ltd.,Sector 3,Plot H,Panchsheel Enclave,Mahavir Nagar,Kandivli (West),Mumbai 400 067.Tel - 022- 29672873 to 29672877.MUMBAI – VASHI Office No.613,6th Floor,Arenja Corner Premises CHS Limited,Plot No.71,Sector 17,Vashi,New Mumbai – 400705.Tel - 022- 66098270 to 66098279.Mumbai-Dadar Shop no.3,Ground floor,Ankur Housing Society Ltd.,K.S.Gadgil Marg,Behind Siddhivinayak Mandir,Prabhadevi,Mumbai – 400025.Tel - 022-24215105.MUMBAI – THANE.Limited,Ashok Apartments,Shop No.3 & 4,Gr.Floor,Opp.Naupada Police Station,Thane (W) 400 602.Tel - 022- 28550844 to 28550852.MYSORE Ground floor,No.2951 - A,Kalidasa Road,V.V.Mohalla,Mysore - 570002,Tel - 0821-2500067 Karnataka.NAGPUR 125,2nd Floor,Shreeram Shyam Towers,S.V.Patel Marg,Kingsway,Civil Lines,Nagpur-440001.Tel - 0712-6637926/27/28/29/30.NASHIK Vaastu Shree,2nd Floor,Off Gangapur Road,Nashik – 422005.Tel - 0253- 6610585/86/87.NELLORE HDFC Bank Bldg,17/126,GVR Enclave,Trunk Road,Nellore - 524001.Tel - 0861- 2330700/01 /02/03/04.NEW DELHI Kanchenjungha Bldg,Upper Gr.Flr.,18,Barakhamba Road,New Delhi - 110 001.Tel - 011-43008623.NEW DELHI - BHIKAJI CAMA Flat No 905,9th Floor,Madam Bhikaji Cama Bhawan,Bhikaji Cama Place,New Delhi – 110021.Tel - 011-26164799.NOIDA Office No.111,1st Floor,Ocean Plaza Building,Commercial Plot No.P-5,Sector – 18,Noida – 201301.Tel - 0120-4030930.PANJIM (GOA) 4rh floor,Minum Residency,Above HDFC Bank,18th June,Panjim,Goa - 403001.Tel - 0832-6632802/3/4/5.PATIALA 1st floor,Seetal Complex,5-C,Baradari,Near C.M.O.Residence,Rajbaha Road,Patiala - 147001 (Punjab).Tel - 0175-2305528.PATNA 405,4th Floor,Grand Plaza,Frazer Road,Patna 800 001.Tel - 0612 - 2216422 to 27.PUNE 810/B,Netrali Apt.,Law College Road,Shivaji Nagar,Above HDFC Bank,Pune – 411004.Tel - 020-27425892/3/4.RAJKOT 6th Floor,Pancharatna Building,Alfred School,Jawahar Road,Rajkot -360 001.Tel - 0281-2232181-82.RANCHI Rohini Apartment,Gr.floor,56,Circular Road,Lalpur,P.S.& P.O.Lalpur,Dist.Ranchi -834001,Tel - 0651 - 2561481 to 88.Jharkhand.SALEM No.3,1st floor,VSA Commercial Complex,Omalur Main Road,Opp.New Bus Stand,Salem - 636004.Tel - 04272265313/14/15/16/17.SATARA Silver Arch Plot No 1 S.No.288,289 1st Floor,New Radhika Road,Satara – 415001.Tel - 02162-239010.SHILLONG,R.P.G.Complex,1st Floor,Keating Road,Near Goenka Engg,Shillong – 793001.Tel - 0364-2500396/397.SILIGURI Gr.Floor,kelsons complex,157 Sevoke Road,Siliguri - 734001 District Darjeeling.Tel - 0353 - 2640073 to 79.SURAT 708,709,Kashi Plaza,Near Children Hospital,Manjura Gate,Surat – 395002.Tel - 0261-4004604- 05-06.TRICHY 11th Cross Main Road,Thillai Nagar,Trichy-624018.Tel - 0431-2742574-83.TRIVANDRUM Karimpanal Arcade,East Fort,Trivandrum – 695023.Tel - 0471 -4466091-94.UDAIPUR Plot No.8 & 9,Vivek Chambers,2nd Floor,Durga Nursury Road,Opp.Sukhadia Samadhi Park,Udaipur - 313001,Tel - 0294-5101701-02-03-04.Rajasthan.VADODARA D-11,Kamalanjali,Off Padra Road,Akota,Above HDFC Bank,Opp.Tube Company,Vadodara - 390020.Tel - 0265-2355791-98.VAPI Upper Ground Floor,Emperor Tower,Opp SBPP Bank,Vapi Daman Road Chala,Vapi-396191.Tel - 0260-6455501-02- 03.VIJAYAWADA Valluri Complex,40-1-48/2 M.G.Road,Vijaywada - 520 010.Tel - 0866 - 2498029/39/49.VISAKHAPATNAM 104,1st Floor,Ram’s Plaza,2nd Lane Dwaraka Nagar,Vizag – 530016,Tel - 0891-2796623.AP. KARVY STOCK BROKING LIMITED (KARVY INVESTOR SERVICES LIMITED locations would be same as given below) AGRA F4,1st Floor,Deepak Wasan Plaza Sanjay Place,(Behind Holiday Inn) 282002 Tel.562 - 2526660/63 AGRA - BELAGANJ Shop No 11,Nanak Towers,Opp.Telegraph Office,Belagunj 282004 Tel.562 - 3237077 AHMEDABAD - C G ROAD 7 - 8,2nd Floor,3rd Eye Building,Panchvati Circle,C.G.Road,380006 Tel.79 - 079-26407543,44,66627901 AHMEDABAD - GANDHINAGAR 27,Suman Tower,1st Floor,Near Hotel Havelly Sector No.11 382011 Tel.79 - 079-23240166,66736021/22 AHMEDABAD - MANINAGAR 208 H J House,Near Rambaug Police Station Opp: Ioc Petrol Pump,Rambaug 380008 Tel.79 - 40304481,82,83 AHMEDABAD - VASTRAPUR 201,Millenium Plaza,2nd Floor Opp Swaminarayan Temple,Near.Mansi Tower,380015 Tel.79 - 66627936,37,38,40 AJMER 12,Ii Floor Ajmer Towers,Kutcheri Road 305001 Tel.145 - 2628055/2628065/ 5120725 ALLAHABAD 2nd Floor,Rsa Tower,Beside Hdfc Bank,57,Sardar Patel Marg,Civil Lines,211001 Tel.532 - 2260291-92-93(Extn 34) ALLAHABAD - NAINI 138/13,Nai Bazar (Above Yash Automobiles Hero Honda Agencies) Opp: Nsic (Udyog Nagar) 211007 Tel.532 - 2695031/26966045 AMBALA 5509,Nichoson Road,Adjacent Kos Hospital Ambala Cantonement 133001 Tel.171 - 3200223/2640668/2640669 AMBALA - AMBALA CITY Scf 15 Vikas Vihar Ambala City 134003 Tel.171 - 2551757/2551758 AMRITSAR 72-A Taylor’s Road Opp.Aga Heritage Gandhi Ground 143001 Tel.183 - 5053802/3/4/5 ANAND F-6,Chitrangana Complex Opp: Motikaka Chawl; V V Nagar 388001 Tel.2692 - 248980/248873 ASANSOL 18 G T Road 3rd Floor,713301 Tel.341 - 2214623,2214624,2214625 AURANGABAD Shop No.214/215 Tapadiya City Centre,Nirala Bazar 431001 Tel.240 - 2363530,9665066551,52,53,54,57 BANGALORE - JAYA NAGAR 4TH BLOCK 201,2nd Floor,Suraj Plaza,8 F Main Road 3rd Block,Jayanagar 560011 Tel.80 - 26554328/29/30/31 BANGALORE - RAJAJINAGAR 5TH BLOCK No.279,3rd Floor,67th Cross 5th Block,Rajajinagar (Near Bhashyam Cirlce) 560010 Tel.80 - 23143559/23143560/32951033 /30970636/30951033 BANGALORE - BASAVANAGUDI No.51/2,Tkn Complex,Vanivilas Road Opp: National College,Basavanagudi 560004 Tel.80 - 26606126 BANGALORE - SKANDA ( R O ) “Skanda” No 59,Putana Road,Basavanagudi 560004 Tel.80 - 26621192/93 BANGALORE - GANDHINAGAR No.24,Ganesh Krupa,Rear Block,Kalidasa Marg 1st Main Road,560009 Tel.80 - 22305761,22305762 BANGALORE - INDIRA NAGAR No.746,1st Floor,Krishna Temple Road Indira Nagar 1st Stage 560038 Tel.80 - 25264344/ 2930/3249/30945543 BANGALORE - KORAMANGALA A/8,1st Floor,Khb Colony Opp: Mciroland,80 Feet Road 560095 Tel.80 - 25527301 BANGALORE - MALLESWARAM No.337,Gf-3,Karuna Complex Sampige Road,Opp: New Vegetable Market 560003 Tel.80 - 23314678/23314680/23467548/30945549 BANGALORE - VIJAYANAGAR No 1714/14-1,1st Floor,Ksh Chambers,21st Main Road,Behind Maruti Mandi,Vijayanagar 560040 Tel.80 - 23119028/9041/9040 BANGALORE - YELAHANKA 2019/A,1st Floor,3rd B Corss B Sector,Yelahnaka New Town 560064 Tel.80 - 28562726/ 2729 32913110/3502 YESHWANTHPUR 165 & 166,Manjunatha Chambers Shankarnagar Main Road 560096 Tel.80 - 23375292,23471375 BANGALORE - BASAVESHWARNAGAR No.628,8th Main 3rd Stage,3rd Blcok 560079 Tel.80 - 30982058/1794/23239205/206 BAREILLY 1st Floor,165,Civil Lines,Opp: Hotel Bareilly Palace Near Railway Station 243001 Tel.581 - 2574238 TO 39/2300414 /2420145/2476809 BELGAUM Fk-1,Khimajibhai Complex Ambedkar Road,Opp: Civil Hospital 590001 Tel.831 - 2402544/722/880/ 3095262 BHAGALPUR 2nd Floor,Chandralok Complex Near Ghantaghar,Radha Rani Sinha Road 812001 Tel.641 - 2302768 BHARUCH Ff 47/48,Aditya Complex Opp: Kasak Fuwara 392002 Tel.2642 - 225207,225208,209 BHATINDA 2048,1st Floor,Opp: Canara Bank The Mall Road 151001 Tel.164 - 5006725 TO 727/2239521/2239522 BHAVNAGAR 301,3rd Floor,Surabhi Mall,Near Icici Bank Waghawadi Road 364001 Tel.278 - 2567005,06,3001004,05 BHILAI New Civic Cente Shop No 138 0 490006 Tel.788 - 2295329/37/32,BHILWARA 27-28,1st Floor,Heera-Panna Complex Pur Road 311001 Tel.1482 - 246362/246364/512586 BHOPAL Kay Kay Business Centre 133,Zone 1,Mp Nagar 462011 Tel.755 - 4092701 TO 704 /4092706 TO 708/ 4092710 TO 717/4092720/4092723/ 724 BHUBANESHWAR 624,Saheed Nagar,Ist Floor Janpath 751007 Tel.674 - 2547532/33/2547334 BHUBANESHWAR - II Plot No.104/105 P Besides Pal Heights Hotel,Jayadev Vihar 751013 Tel.674 - 2360334/335/343/327 BIJAPUR Belambagi Complex,1st Floor Siddeshwara Road 586101 Tel.8352 - 259160,259161,259162 BURDWAN Birhata (Halder Complex) 63,G T Road 713101 Tel.342 - 2550801 CALICUT First Floor,Savithri Building Opp.Fatima Hospital,Bank Road 673001 Tel.495 - 2760882/2760884/2760883 CALICUT - MAVOOR ROAD 1st Floor,Soubhagya Shopping Complex Mavoor Road,Arayedathypalam 673004 Tel.495 - 2742105/2742107/2742141 CHANDIGARH Sco 32,1st Floor,Phase 7,S A S Nagar,160 070 Tel.0172 - 5091800/1,5091802 (D) CHENNAI - ADAYAR F-3,Adayar Business Court,Old No.25,New No 51 Gandhinagar 1st Main Road 600020 Tel.44 - 42116586,42116587,42076803 CHENNAI - ANNANAGAR T-92,Ground Floor,3rd Avenue Main Road Near Hotel Nalas Appa Kadai 600040 Tel.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 Tel.44 - 22653605,42659023,45574952 CHENNAI - NANGANALLUR No 48,First Main Road,First Floor,Nanganallur 600061 Tel.44 - 22245228,43586266,68,43588503 CHENNAI - PURASAIWAKKAM F-22,Prince Tower 94- 113,Purasaiwakkam High Road 600010 Tel.44 - 42042567/568/42041904 CHENNAI - SWATI COURT - REGIONAL OFFICE G-1,Swati Court,22,Vijaya Raghava Road T Nagar 600017 Tel.44 - 28151034/28153445 /42126406/42125604/45574073/74 /45900910 CHENNAI - SOWCARPET Sundar Krishna Complex,3rd Floor No.8,Luckmodoss Street 600003 Tel.44 - 42051557/ 42051471/42159898/42623740/41/42 CHENNAI - Dr B N ROAD A- 8,3rd Floor,Mahbubani Towers,No.48,Dr.D N Road,T.Nagar 600017 Tel.44 - 28156672/42076807/804/10/ 42067832/36/37/38/30/31/27/45544129/058/42649248/43546448/42023762 CHENNAI - THIRUVALLUR No.7,Sriperambadur Road Manavalan Nagar,Thiruvallur 602002 Tel.44 - 27640552/37690717 CHENNAI - VADAPALANI Doshi Gardens,Shop No.10,2nd Floor,D-Block 174,N S K Salai,Vadapalani 600026 Tel.44 - 42013425/42048103/42048309 COIMBATORE - SAI BABA COLONY 29/1,Chintamani Nagar,Opp: Indian Overseas Bank Nsr Road,Saibaba Colony 641011 Tel.422 - 2452161/162/163 COIMBATORE - REGIONAL OFFICE “Jaya Enclave” 1057/1508 Avanashi Road 641018 Tel.422 - 4291000 – 30 CUTTACK Opp: Jagannath Petrol Pump,Arunodaya Market Link Road 753012 Tel.671 - 2335187,88 CUTTACK - 2 Dargha Bazar,1st Floor,753001 Tel.671 - 2613905/2613906 DAVANGERE No.15/9,1st Floor,Sobagu Complex 2nd Main Road (Avk College Road),P J Extension 577002 Tel.8192 - 258712/13/14 DEHRADUN 48/49,Patel Market,Opp: Punjab Jewellers Near Gandhi Park,Rajpur Road 248001 Tel.135 - 2713351/2714046/47 /2713372/2714382/2712373 DEHRADUN - KAULAGARH ROAD Kaulagarh Road Near Sirmour Marg 248001 Tel.135 - 2754334/2754336 DURGAPUR Old Dutta Automobile Building 1st Floor,Benachity,Malancha Road 700013 Tel.343 - 2586375 to 77 ERODE No.4,Veerapan Traders Complex,Opp: Erode Bus Stand Kmy Salai,Sathy Road 638003 Tel.424 - 2225615 FARIDABAD A-2b,1st Floor Neelam Bata Road,Nit 121001 Tel.129 - 418000/105 GHAZIABAD 1st Floor,C-7,Lohia Nagar 201001 Tel.120 - 2701886/2701891/4112133 GORAKHPUR Above V.I.P.House Adjacent A.D.Girls College,Bank Road 273001 Tel.551 - 2346519/2333825/2333814 GULBARGA Asian Tower,Shop No.F-1,First Floor Jagat Station Main Road,Next To Hotel Aditya 585103 Tel.8472 - 262502 GUNTUR 10/1,Sai House Arundelpet 522002 Tel.863 - 2326686,85,84 2326687 GURGAON Shop No.18,Near Huda Office,Ground Floor Opp: Akd Tower,Sector 14 122001 Tel.124 - 4297206/4297202/4297205/4297200 GUWAHATI 2nd Floor,Ram Kumar Plaza,Chatribari Road Near Himatshinga Petrol Pump 781001 Tel.361 - 2608102/2608122 GWALIOR Near Nadigate Pul,Mlb Road Shinde Ki Chawani 474001 Tel.751 - 4069001/4069002 /4087774 GWALIOR - THATIPUR 52,Mayur Market,First Floor Near Petrol Pump,Thatipur,Gandhi Road 474001 Tel.751 - 2340200/4068501/32008484 HISSAR Sco 71,Red Square Market 1st Floor 125001 Tel.1662 - 225845/225868/225836 /315761 HUBLI Giriraja House,No.451/B Ward No.1,Club Road 580029 Tel.836 - 2353962,2353974,2353975 HUBLI - GOKUL ROAD 8 & 9,Upper Ground Floor,C’ Block,Akshaya Park,Gokul Road 580030 Tel.836 - 2232773,2232774 HYDERABAD - BEGUM BAZAR 15-6-464/470,1st Floor Salasar Complex,(Near Fish Market),Begum Bazar 500012 Tel.40 - 23433100 HYDERABAD - BHEL 1st Floor,Plot No.2,1-1-128/B,Chanda Nagar Serilingampally,Near Bhel 500050 Tel.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 Tel.40 - 23433116/117/135 134/136 HYDERABAD - HIMAYAT NAGAR 3-6-196/197,First Floor Himayat Nagar 500029 Tel.40 - 23388749 23388771 HYDERABAD - KUKATPALLY Sai Vikram Towers,1st Floor Flat No 11,Kukatpally Main Road Near Kukatpally Bus Stop,Kukatpally 500072 Tel.40 - 23433137/119 HYDERABAD - SECUNDERABAD Building No.160 (Part) Opp: Mayfair Complex,Rasoolpura,S P Road 500003 Tel.40 - 23433108,27883200 HYDERABAD - BANJARA HILLS (H.O) Karvy Centre,Ground Floor Avenue 4,Street No.1 500034 Tel.40 - 23388743,66510313 HYDERABAD - KHARKANA Block No 176,Opp.Chola Residency Old Vasavi Nagar,Kharkana 500016 Tel.40 - 23433166 INDORE Balaji Coporate,19/1,New Palasia,Near Jangeerwala Chowraha,452001 Tel.731 - 4081500 TO 4081524 JAIPUR S-16/A,Land Mark,Opp: Jai Club Mahaveer Marg,C - Scheme 302001 Tel.141 - 2378703/04/ 05/ 06/2363321/2375039/2375099 JALANDHAR Lower Ground Floor,Office No.3,Prime Tower Plot No.28,G T Road 144001 Tel.181 - 4634401 TO 415 JAMMU 1st Floor,29 D/C,Near Service Selection Board Gandhi Nagar 180004 Tel.191 - 9205044665/668 JAMNAGAR (PATEL NAGAR) G-12,Madhav Plaza,Opp-Sbi Bank Near Lal Bunglow 361008 Tel.288 - 2556520 /2556260/2556420 JAMSHEDPUR 3rd Floor,Kanchan Towers,3 Sb Shop Area,Bistupur Main Road,831001 Tel.657 - 2487020,2487045,2320048 JODHPUR 203,Modi Arcade Chopskini Road 342001 Tel.291 - 5103026/5103046 /3251441 KAKINADA 13-1-46,Sri Deepti Towers Main Road 533001 Tel.884 - 2387381,82,83 KANPUR - CIVIL 15/46,Civil Lines,Near Muir Mills Stock Exchange Road 208001 Tel.512 - 2330127/2331445/2333395/96/2333492 KANPUR - GOVIND NAGAR 81/4,Block No.9 Govindnagar,208006 Tel.512 - 2604165/2605177/2605176 KARNAL Shop No.26,Kunjpura Road Nehru Palace 132001 Tel.184 - 2251524/2251525/2251526 KOCHI G 39,Panampally Nagar Opp: Kerala State Housing Board 682036 Tel.484 - 2322724/726/152 /2310884 KOCHI - KAKANAD 7/462,B5,Trans Avenue,Ne Ekm Dist Coop Bank Headquarters 682030 Tel.484 - 2423191,3949087 KOCHI - MATTANCHERRY D.No.6/0290,Opp: Hazi Essa School Gujarathi Road 682 002 Tel.0484 - 2211229/ 2211225/2223243 KOCHI - TRIPUNITHURA 1st Floor,Pindys Complex Market Junction 682301 Tel.484 - 2777330,3571041 KOLHAPUR Omkar Plaza 1 St Floor,Unit F - 2 & F - 4,Rajaram Rtoad,Bagal Chowk,416008 Tel.231 - 2520650/2520655 KOLKATA - DALHOUSIE 19,R N Mukherjee Road 2nd Floor 700001 Tel.33 - 22437863 to 69/90/89 KOLKATA - HOWRAH MAIDAN 493/C/A,G.T.Road (S) Block-G,1st Floor,Vivek Vihar 711102 Tel.33 - 26382345/2535/ 26404213/26370547 KOLKATA - NEW ALIPORE 22n/1,Block A New Alipore 700053 Tel.33 - 23996203,04,05 KOLKATA - SALT LAKE Ad-60,Sector - 1 Salt Lake City 700064 Tel.33 - 23210461 to 23210464/0587 KOLKATA - JATIN DAS ROAD 49,Jatin Das Road Near Deshpriya Park 700029 Tel.33 - 24647231,32,24644891 KOLKATA - PHOOLBAGAN P-335,Cit Scheme,6m Phoolbagan 700054 Tel.33 - 23648927; 23628486 KOTA 29,Shopiing Centre 1st Floor Kota 324007 Tel.744 - 2365144/2365145/2365146 LUCKNOW - ALAMBAGH Ksm Tower,Cp-1 Sinder Dump Alambagh 226005 Tel.522 - 4104290 - 96 LUCKNOW - ALIGANJ Hig-67,Sector E Aliganj 226024 Tel.522 - 4104280 - 89 LUCKNOW - ASHOK MARG 24,“Usha Sadan” Prem Nagar,Ashok Marg 226001 Tel.522 - 4104300 - 309 LUCKNOW - CHOWK Tej Krishan Plaza 313/9,Khun Kunji Road,Chowk 226003 Tel.522 - 4104310 - 16 LUCKNOW - GOMTI NAGAR B-1/2,Vijay Khand,Near Union Bankof India Gomti Nagar 226010 Tel.522 - 4104270 - 79 LUCKNOW - HAZRATGUNJ 94,Mahatma Gandhi Marg Opp: Governor House,Hazratganj 226001 Tel.522 - 2236819-28,3817001 (rim) LUDHIANA Sco 136,1st Floor Feroze Gandhi Market 141001 Tel.161 - 44680050/4680062-63/4680080/4680000 TO 6 MADURAI-GOODSHED 274,Goods Shed Street ~ 625001 Tel.452 - 2350852 MADURAI - BYE PASS ROAD Rakesh Towers,Opp Nagappa Motor No.30,By Pass Road,625010 Tel.452 - 2600851 - 854 MADURAI - K K NAGAR Plot No 654 - 80 Feet Road Next To Lakshmi Arasu Kalyana Mandapam,K K Nagar 625020 Tel.452 - 4391700/600/2523109/ 2530731 MANGALORE Mahendra Arcade,No.4-6-577/21/22 Kodiabail 575003 Tel.824 - 2492302,2496332,2492901 MEERUT 1st Floor,Medi Centre,Opp Eves Centre Hapur Road Near Bachha Park 250002 Tel.121 - 4033727/3271640 CHANDIGARH - MOHALI Sco 32,1st Floor,Phase 7,S A S Nagar,160062 Tel.172 - 5091800/1,5091802 (D) MUMBAI - FORT (D N ROAD) TIN 207,Jeevan Udyog Building,2nd Floor Above Khadi Bhandhar,D N Road,Fort 400001 Tel.22 - 22062077,2087,2051,2023 MUMBAI - MALAD (WEST) 29,First Floor,Patel Shopping Centre,Opp.Foodland Restaurant,Sainath Road,Malad (West) 400064 Tel.22 - 28824241/28828281/28895159/28891077 MUMBAI - VASHI B-153,Vashi Plaza Sector 17,Vashi 400705 Tel.22 - 67912087,67912168,67912169 MUMBAI - ANDHERI - KSBL 7,Andheri Industrial Estate Off: Veera Desai Road 400053 Tel.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 Tel.22 - 25211839,MUMBAI - DADAR WEST 101 Sapna Building,Above Idbi Bank S K Bhole Marg,Dadar West 400 028 Tel.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 Tel.22 - 66314326,22844777,22842668 MUMBAI - TARDEO Room No.115,Arun Chambers,1st Floor Next To A/C Market,Tardeo 400034 Tel.22 - 66607042 MUMBAI - THANE 103,Jivan Chaya Bldg.,Ram Maruti Road,Naupada 400602 Tel.22 - 25380645/25380633/25446121/25446124,25446129 MUZAFFARNAGAR 203/99,C Sadar Bazar,Town Hall Road,Opp: Peace Library Above Bank Of India 251001 Tel.131 - 2437349,2437359 MYSORE No.9/2,New Nol.L-350,Silver Tower,1st Floor Ashoka Road,Opp: Clock Tower 570001 Tel.821 - 2524292,2524294 NAGPUR 230-231,3rd Floor,Shreeram Tower Near Nit Building,Sadar 440001 Tel.712 - 6614146/6614145 NASIK F1,Suyojit Sankul Sharanpur Road 422002 Tel.253 - 9665066531,32,33 NAVSARI 1/1,1st Floor,Chinmay Arcade Opp: Sattapir,Tower Road 396445 Tel.2637 - 280364,280366,280367 NEW DELHI - JANAKPURI 110-112,1st Floor,Suneja Tower I Distt.Centre,Janak Puri New Delhi 110058 Tel.11 - 25547631/25547637/41587300/41588242 NEW DELHI - MOTI NAGAR 23,Shivaji Marg Main Main Najafgarh Road Moti Nagar New Delhi 110015 Tel.11 - 45436371/41428501 TO 05/41428563/32031582 NEW DELHI - NEHRU PLACE 301,Vishal Bhavan 95,Nehru Place 110019 Tel.11 - 41808123/26447065/66/74 NEW DELHI - PREET VIHAR 103,Savithri Sadan - I,11,Community Centre,Preet Vihar 110092 Tel.11 - 22460976/22460978/22460949/22460952 NEW DELHI - RAJENDRA PLACE 402,4th Floor,Vikrant Tower,Rajendra Place 110008 Tel.11 - 41536548/41537844/41539961/62/64 NEW DELHI - ROHINI 104,1st Floor,Nanda Devi Towers Prashanth Vihar,Central Market 110085 Tel.11 - 27864193/27864281/27864377 NEW DELHI - VASANT KUNJ 103,1st Floor,C.S.C.Sector-B,Pocket 8&9,Opp G D Goenka Public School,Vasant Kunj 110070 Tel.11 - 41787156/41787158/41787155/41787159-161 NEW DELHI - BHIKAJI CAMA PLACE Ug-29 Ansal Chamber-1 110066 Tel.11 - 41659722/41659723 NEW DELHI - CONNAUGHT PLACE 105-108,Arunachal Building 19,Barakhamba Road,Connaught Place 110001 Tel.11 - 23324401/43509200/23324409 NEW DELHI - PASCHIM VIHAR B 2,Dda Market Shop No.50 Paschim Vihar New Delh 110063 Tel.11 - 42321024/42321392/25263902/03 NOIDA - SECTOR 26 307,2nd Floor Jaipuria Plaza,D-68a 2nd Floor,(Opp Delhi Public School) Sector 26 201301 Tel.120 - 2539271/2539272/2539273 PANJIM 18,19,20,City Bussiness Centre,Coel Ho Pereiera Building Dada Viadya Road,Opp Jama Maszid Road 403001 Tel.832 - 2426870,2426871,2426872 PATIALA Sco 27b Chhoti Barandari 147001 Tel.175 - 5051726/5051727/5051728 PATNA Anand Tower,2nd Floor,Exhibition Road Near Republic Hotel,Opp: Icici Bank 800001 Tel.612 - 2321354/56/57 PONDICHERRY No.7 Thiayagaraja Street 605001 Tel.413 - 2220640 PUNE Office No.6,Third Floor,Rachana Trade Estate Law College Road,Near Sndt Circle,Cts No.105,Erandwane 411033 Tel.20 - 66048790 (5 LINES)/91/92/93 PUNE - AKURDI Rameera Towers,130/24,Pcmtda Tilak Road,Nigidi,Pradhikaran 411044 Tel.20 - 27659115 PUNE - WANOWARIE Shop No.3 & 4,Ashwini Palace Near Kedari Petrol Pump 411040 Tel.20 - 26850842,43,65610451,52,53 454 RAICHUR “Sangeeta Arcade”,No.11-2-61,1st Floor Lingsugur Road 584101 Tel.8532 - 225856,57,58,59,60 RAIPUR Lower Level-02& 03,Millennium Plaza,Near Indian Coffee House,G E Road 492001 Tel.771 - 2236694,96,4039320 RAJAHMUNDRY D No 6-1-4,1st Floor Rangachary,T Nagar 533101 Tel.883 - 2434468,69,70 RAJKOT 104,Siddhivinayak Complex,Dr.Yagnik Road,Opp.Ramkrishna Ashram 360001 Tel.281 - 3291043,3291042,2239338 RAJPURA 13 Block A,Frist Floor,Caliber Market Chandigarh Patila Road 140401 Tel.176 - 240452/53 RANCHI 203,”Commerce Towers”,2nd Floor Beside Mahabir Towers,Main Road 834001 Tel.651 - 2330386,2330394,2330320 ROHTAK 1st Floor,Ashok Plaza Delhi Road 124001 Tel.1262 - 271983-84/258019 SALEM 40,Brindavan Road,5th Cross,Near Perumal Koil Fair Lands 636016 Tel.427 - 2335701,02,03,04,05 SALEM 40,Brindavan Road,5th Cross,Near Perumal Koil Fair Lands 636016 Tel.427 - 2335701,02,03,04,05 SHILLONG Mani Bhawan Annex,Thane Road Opp: Rkm Elp School,Lower Police Bazar 793001 Tel.364 - 2224186/75/8172 SHIMLA Triveni Building,By Pas Chowk Khallini 171002 Tel.177 - 2003205/2623205/2624453 SHIMOGA No.8-50/A,Llr Road; Opp: Telecom Gms Office Durgigudi 577201 Tel.8182 - 228795,96,97,226747 SILIGURI Nanak Complex 2nd Floor,Sevoke Road 734401 Tel.353 - 2526393,2526394,2526395,2526396,2526397 SIRSA C/O Anand Electricals,Sco 41 City Thana Road 125055 Tel.1666 - 327100/327200/327300 SURAT G-16,Empire State Building,Near Udhana Darwaja Ring Road 395002 Tel.261 - 3017155 - 52 THRISSUR 2nd Floor,Brohers Complex,Near Dhanalaxmi Bank Head Office Naikkanal Junction 680001 Tel.487 - 2322483/2322484/2322493/2322494 R R EQU TY BROKERS PR VATE L M TED RR NVESTORS CAP TAL SERV CES P L M TED oca ons wou d be same as g ven be ow SMC GLOBAL SECUR T ES L M TED SMC CAP TALS L M TED oca ons wou d be same as g ven be ow ALMONDZ GLOBAL SECUR T ES LTD 2 MUTHOOT FINANCE LIMITED
- 3. MUTHOOT FINANCE LIMITED: APPLICATION FORMS AVAILABLE AT FOLLOWING LOCATIONS LEAD MANAGERS TO THE ISSUE / LEAD BROKERS TO THE ISSUE ANAND RATHI HYDERABAD ”1st Flr,6-3-346/1,Road No.1,Banjara Hills,Hyderabad - 500034" VIJAYAWADA1st Flr,No.12-2-269,Babu Rajendra Prasad Road,Vijaywada - 1 VISAKHAPATNAM ”2nd Flr,No.47-10-32,Guttikonda Mansions,Dwarakanagar,Visakhapatnam - 530016 GUWAHATI 4th Floor,Plont No.1528/1529,K.P.Patta No.796 Sahar Ulubari Mouza,Guwahati.PATNA 2nd Floor Shahi Complex Dakbunglow Road Patna-800001 RAIPUR No.229,230,231,232,2nd Flr,Lalganga Shopping Mall,G.E.Road,Raipur.PANAJI Trimurthy Building,1st Floor,Opp Hotel Novagoa,Panjim,Goa-403001.AHMEDABAD Unit No.201,2nd Flr,Parth Complex,Off C.G Road,Swastik Cross Char Rasta,Navrangpura,Ahmedabad 38009.ANAND F-6/7,1st Flr,Silver Oak,Opp Panchal Hall,Anand V.V Nagar,Anand - 388001 SURAT,”G-2,International Trade Centre,Majuragate Crossing,Ring Road,Surat VADODARA,”Ff/104,Capri House Ii,15-Sudhanagar Chs,Jetalpur Road,Vadodara-390005 JAMMU,”2 & 16,North Block B-1,Bahu Plaza,Rail Head Complex,Jammu-1800004 RANCHI,”5th Flr,M R Tower,Sarada Babu Street,Line Tank Road,Upper Bazar,Ranchi 834001 BANGALORE,”Express Building No.1,4th Floor,Queens Road,Civil Station,Banglore-560052 BELGAUM,”Sri Krishna Towers,2nd Floor,Cts No.14,Khanapur Road,Tilakwadi,Belgaum-590006 BIJAPUR,”Bhaheti Complex,Kirana Bazzar Circle,S.S.Road,Near Tata Indicom Show Room,Bijapur-586106 GULBARGA,”1-101/3,4,5/F1 & Part Of F-2,Asian Plaza,Sardar Vallabh Bhai Chowk,Station Road,Gulbarga-485102 HUBLI,”No.103to108,A-Blocka-Block,Court Circleclub Roadhubli-580029ph -0836-5259200 MANGALORE,”GROUND FLOOR,NO.G-10 ( DOOR NO.14-4-511/21 ),CRYSTAL ARC,BALMATTA ROAD,MANGLORE - 575001 MYSORE,”442/5,Srikanteshwara Mansion,1st Flr,Chamaraja Double Road,South Cross Road,Near Ramaswamy Circle,Mysore” RAICHUR,”H.No.12-10-51/3a,1st Floor,Lingasugur Road,Raichur-584101 SHIMOGA,”1st,Floor,Lakshmi Sadan,Parl Exten.Opp.Icici Bank,Shimoga-577201" ERODE,”Door No 155 & 155 A,Dhana Vikas Complex,Nehru Street,Erode-638001,Tamilnadu AURANGABAD,”1st Floor,Plot No.24 & 25,Vivekanand College Road,Opp.Police Workshop,Samarth Nagar,Aurangabad: 431001/” KOLHAPUR,”Shop No 67,68,Gemstone,R D Vichare Complex 517/2 E Ward,Shahupri,Kolhapur MUMBAI,”Seagull House,2nd Floor,Shivaji Colony,Chakala,Andheri (E),Mumbai - 400099,India” NAGPUR,”S-1 & S-2,2nd Floor,Shradha House,345 Kingsway,Opp Bank Of India,Nagpur - 440 001. NASHIK, Office No.6,2nd Floor,Stadium Complex,Bldg No.5 M G Road,Nashik 422001 Pune, 2nd Flr,Indrayani,C.T.S No.58/1,Final Plot No.92/1,Erandavane,Pune - 411004" Thane(Mumbai),”Shop No.3,Grd Flr,Shree Sadan,Naupada,Ghantali Devi Road,Thane W,Mumbai 400602" NEW DELHI/DELHI,”Flat No.911,9th Floor,Ansal Bhavan Bldg,16,Kasturba Gandhi Marg,New Delhi-110001" BHUBANESWAR,”49,2nd Flr,East Side,Ashok Nagar,Bhubenshwar CUTTACK,”Grd Flr,Plot No.1615,Haripur,Cuttack - 753001" AMRITSAR,”Mezzanine Flr,Nagpal Towers Ii,Sco 44,Distt,Shopping Centre,Ranjit Avenue,Amritsar CHANDIGARH, Office No.1,3rd Flr,Sco No.37-38,Sector 17-C,Chandigarh” Jalandhar,”1st Floor,Apex Tower,G T Road,Jalandhar,Punjab LUDHIANA,15,Span Plaza,Feroz Gandhi Market,Ludhiana-141001 BHILWARA,”D-1,D-2,E-1,F-2,Ganapati Enclave,Heera Panna Campus,Opp.Nahar Bros.Petrol Pump,Pur Road,Bhilwara-311001 BIKANER,”Near Drm Circle,Above Obc Bank,Bikaner - 334005. JAIPUR,”Off No.4,5,6,7,8&L-4,1st Flr,C-98,Sanghi Upasana Tower,Ahinsa Circle Subhash Marg,C-Scheme,Jaipur 302001 KOTA,Indragyan Complex,Gumanpura,Kota” UDAIPUR,”46/3,Madhuban,Udaipur CHENNAI,”G1,Ground Floor,Arthi Apartments,No.150,Habibullah Raod,T Nagar Chennai-600 017 COIMBATORE,”No.41-A,West Lokamanya Street,1st Floor,R.S.Puram,Coimbatore - 641002 MADURAI,”272,Good Shed Street,Madurai-625001" Salem,”No 252,Brindavan Main Road,Fairlands,Salem – 636 016 TIRUPUR,”62(1),Western Portion,Binny Main Street,1 Floor,Kumaran Street,Tirupur-1" TRICHY,”Sri Krishna Enclave,No 75 E/3,3rd Floor,Salai Road,Thillai Nagar,Trichy-620018 AGRA,”Shop No.9,1st Flr,Deepshika Bldg,Sanjay Place,Agra-282002 ALLAHABAD,”Darbari Bldg,15/29/125,Plot No.25,Mahatma Gandhi Marg,Civil Station,Allahabad 211001 KANPUR,”Grd Flr,16/79-H,Civil Lines,Kanpur 208001" LUCKNOW,”Taz Plaza,Gr.Floor,(Madan Mohan Malviya Marg) Lucknow -226001.” VARANASI,”Office No.33,3rd Floor,D,48/141-A,Misir Pokhra,Luxa Road,Varanasi” DEHRADUN,”1 Grd Flr,Neshvilla Road,Behind Congress Bhavan,Dehradun - 248001" Davanagere,”Eshwar Complex,P.J.Extn,2nd Main,Raitara Beedi,Davangere-577002 KOLKATA,Central Plaza,Room No-501,2/6 Sarat Bose Road,Kolkata-700020" Siliguri,”2nd Flr,Above Raymond Showroom,Sevkoke Road,Plot No.766,Khatian No.5282/1,Mouza Siliguri,Jl No.110(88),Pargana Baikunthapur,Post Office,P.S.,District Darjeeling,West Bengal.” BAJAJ CAPITAL AGRA: Shop No.110,Ground Floor,Block No.27/2/4,Sanjay Palace,Near Hotel Panchrattan,Agra – 282002,Ph: 0562-6457307.AHMEDABAD: 2-L,‘Akik’ Opp Lions Hall,Mithakhali Six Raod,Near Nalanda Hotel,Ellisbridge,Ahmedabad – 380006,Ph: 079-64500171,72.AJMER: 26,Ground Floor,Ajmer Tower,Kutchery Road,Ajmer - 305001.Ph: 0145-6451231,0145-6451232.ALLAHABAD: Shop No.F-5,Indira Bhawan,Civil Lines,ALLAHABAD – 211001,Ph: 0532-6452481,0532-6452482.BANGALORE: Unit 104-107,First Floor,‘A’ Wing,Mittal Towers,M.G.Road,Bangalore – 560001,Ph: 080-65471121,65471123.759,Shri Jayalakshmi Nivasa,100-ft Road,Indira Nagar,(Opp.SBI Personal Bank) Bangalore-38,Ph: 080-65471127/26.4,Lakshmi Mansion,81/B,8th Main Road,Opp.Food World,3rd Block,Jaya Nagar,Bangalore -11,Ph: 080-65471128/29.Raheja Arcade,1st Floor,#122,Koramangala,Bangalore-34,Ph:080-65471130/31.197,Sampige Rd,Near 11th Cross,(Above Karnataka Bank) Malleshwaram,Bangalore- 3,Ph: 080-65471132/33.Rajaji Nagar 293/1,17th Main Road “D”,IIIrd Block,Rajaji Nagar,Bangalore-10,Ph: 080-65471139/ 38.BHOPAL: Shop No.6,First Floor,Jyoti Cinema Complex,M.P.Nagar,Zone1,Bhopal – 462011,Ph: 0755-6459550.BHUBANESHWAR: Plot No.1/A,Ground Floor,Station Square,Kharvel Nagar,Bhubneswar – 751001,Ph: 0674 - 6451257,6451269.CHANDIGARDH: SCO 341 - 342,First Floor,Sector 35B,Chandigarh 160036,Ph: (0172),6451612 – 13.CHENNAI: Wellington Plaza,3rd Floor,90,Anna Salai,Chennai – 600002,Ph: 044-23451207,08.K.R.BUILDINGS,No.12,L.B.Road,Adyar,Chennai - 600 020,Ph: 64588304/305/306.W.111,First Floor,3rd Avenue,Anna Nagar,Chennai – 40,Ph: 64588309/310,64581539.Shop No.4,Trinity Complex,No.110,4th Avenue,Ashok Nagar,Chennai – 83,Ph: 64588311/312.No.7,R.K.Mutt Road,(Near Indian Bank) Mylapore,Chennai – 4,Ph: 64581540/64588318/317.Shop No.4,Plot No.3,29th Street,Nanganallur,Chennai-61,Ph: 64588320/319.Bridge Port,New No.29,Old No.12,Burkit Road,T.Nagar,Chennai-17,Ph: 64588321/22.Shop No.5,Ground Floor,Vikas Plaza,37/C,Velachery,Tambaram Road,Chennai – 42,Ph: 64588326/24.COIMBATORE: No.575,D.B.Road,First Floor,(Near Head Post Office) R.S.Puram,Coimbatore – 641002,Ph: 6470136,38.DEHRADUN: 15,Rohini Plaza,11-E Rajpur Road,Dehradun – 248001,Ph: 0135-6452648,0135-6452649.DHANBAD: Ozone Plaza,1st Floor,Bank More,Dhanbad – 826001,Ph: 0326-2300576.FARIDABAD: 5R/1 Ground Floor,B.K.Chowk,Near HDFC Bank,Faridabad – 121001,Ph: 0129 – 6466566.GHAZIABAD: G-5,Ansals Satyam Building,Raj Nagar,District Centre,Ghaziabad – 201002,Ph: 0120 – 6493211,0120-6494070.GORAKHPUR: Ground Floor,A D Towers,Bank Road,Gorakhpur,Gorakhpur – 273001,Ph: 0551-6453025,0551-6453026.GURGAON: Super Mart B-201,Super Mart - 1,DLF City Phase - IV,Gurgaon – 122002,Ph: 0124-6469991,0124-6468105.Sec 14 102,AKD Tower,Upper Ground Floor,Near HUDA Office,Sector-14,Gurgaon- 122001,Ph: 124- 6468101,6468102.GUWAHATI: Room No.102,1st Floor,Dunfur Apartment,R G Baruah Road,Guwahati – 781024,Ph: 9207045530,312.HYDERABAD: 3-6-522,2nd & 3rd Floor,Archies Showroom,Opp.KFC,Himayath Nagar,Hyderabad – 500029,Ph: 040 - 44555555,64631421,22.Shop No.4,Ground Floor,Swarnajayanthi Complex (HUDA) Ameerpet,Hyderabad – 500016,Ph: 040-64631425/24.No.3/MIG-I,Near ICICI Bank,K.P.H.B.Colony,Kukatpally,Hyderabad – 500072,Ph: 64631427/26.Shop No.10,First Floor,Minerva Complex,94,S.D.Road,Secunderabad – 500003,Ph: 040-64631428,29.INDORE: Shop No.3,City Plaza,M.G.Road near Regal Cinema,Indore- 452001,Ph: (0731) 6452014.JAIPUR: G-3,Anukampa Tower,Opp.SangamTower,Church Road (M.I.Road),Jaipur – 302001,Ph: 0141-6503342,43.JAMSHEDPUR: Shop No.53,2nd Floor,Kamani Business Centre Bishtupur,Jamshedpur – 831001,Ph: 6457603,6457627.KANPUR: 106,Ratan Esquire,14/144,Chunni Ganj,Kanpur – 208001,Ph: (0512) 6451763 – 64.KOCHI: Rubicon Building,S.A.Road,South Over Bridge,Valanjambalam,Kochi – 682016,Ph: 0484-6452566,65.KOLHAPUR: Ground Floor,Damodar Enclave Apartment,10th Lane,Rajaram-puri,Kolhapur – 416001,Ph: 0231 – 6450529.KOLKATA: 5th Floor,Room No.507,7/1,Lord Sinha Road,Kolkata – 700071,Ph: 033 – 22820383.9,Ezra Street,Kolkata-700001,Ph: 64578545 – 47.Gagananchal Complex,Shop No.38A,37,Dr.Abani Dutta Road,Howrah – 711106,Ph: 64602157 - 58,64604011.B-9/20 (C.A),P O.Kalyani,Dist.Nadia,Kalyani-741235,Ph: 64605211,64605214.182,Jessore Road (Satgachi Crossing),Dum Dum,Kolkata – 700074,Ph: 64578543.Mezanine Floor,Flat No.3,P - 24A,C I T Road Scheme VI M,Kolkata - 700054.Ph: 64578551 – 52.Martin Burn House,Ground Floor,Room No.15,1,R N Mukherjee Road Kolkata – 700001,Ph: 64578553 – 54.Sec-I BF-192,Sec-I,Salt Lake,Kolkata - 700064,Ph: 64578627 – 29.Sec-V Plot No.IX-16,Block EP & GP,Sec-V,Salt Lake,Kolkata – 700091,Ph: 64578555 – 56.First Floor,4 Jatin Bagchi Road,Kolkata-700029.Ph: 64578548 – 50.Ground Floor,Shop No.9,ShreeramNagar,Teghoria,V I P Road,Kolkata- 700052,Ph: 64578625.25/A,Raja Ram Mohan Roy Road,Kolkata – 700008,Ph: 64578542.C-36,Lakshmi Narayan Colony,Po.Naktala,PS.Jadavpur,Kolkata-700047,Ph: 64578626.LUCKNOW: 5,Commerce House,Habibullah Compound,11,M.G.Marg,Hazratganj,Lucknow – 226001,Ph: 0522 – 6565568.LUDHIANA: M-3,ABC Services,SCO-137,Feroze Gandhi Market,Ludhiana- 1,Ph: (0161) 2412287.MADURAI: Suriya Towers,No.5,First Floor,272/273,Good Shed Street,Madurai – 625001,Ph: 0452 - 6461023,6461024,6461025.MANGALORE: Essel Towers,BS 4,Bunts Hostel Circle,Mangalore – 575003,Ph: 0824-6451218,17.MEERUT: G-43,Ganga Plaza,Near Begam Bridge,Meerut cantt.- 250001,Ph: 0121 - 6451510,6451511.MUMBAI: Agra Bldg,Gr.Floor,7/9 Oak Lane,Fort,Mumbai – 400023,Ph: 022 – 66376999.16,Shopper’s Point,Behind Motimahal Restaurent,S V Road,Andheri - (W),Mumbai – 400058,Ph: 022 - 65210112,65210116.Rashesh Building,Shop no.11,1st Floor,Near Maxus Mall,150 ft Road,Bhayandar (w),Thane – 401104,Ph: 022 - 65991662 – 63.Shop no.1,Shantinath Apt,Opp star Apt,S V Road,Borivali (w),Mumbai - 400092,Ph: 65991664 – 66.Room No.1,Gr Floor,Sunil Sadan Opp Grand Central Restaurant,M.D.S Marg,Chembur (E) Mumbai - 400071,Ph: 022- 65991667 – 68.Shop No.5,Abdul Kadar Jilani Building,Gokhale Road,Opp.Portugese Church,Dadar (w),Mumbai - 400 028,Ph: 65991669 – 70.Office No.8,Nandashish Building,R.B.Mehta Marg,Ghatkopar (E),Mumbai – 400 077,Ph: 022 – 65991671/65210115.Shop No 61,Vasant Sagar,Krishna Bldg,Opp Thakur Cinema,Thakur Village,Kandivali (E),Mumbai – 400101,Ph: 022 - 64507728,65991672.Shop No 1,Dhara Complex,Plot No.3&4,Sec-No 44,Seawoods,Nerul,Navi Mumbai – 400706,Ph: 022- 65991674 – 75.Shop No 11,Gr.Floor,Dheeraj Heritage Bldg,SV Road,Santacruz: (W),Mumbai – 400054,Ph: 022 - 64507727,65991676.Shop no - 3,Chaman House Co-op Hsg Society,plot no - 34,Beside IDBI Bank Atm,Sion (E) Mumbai – 400022,Ph: 022 - 64518004,65991677.Shop No 3,5th Floor,Tardeo Airconditioned Market,Mumbai - 400 034,Ph: 64534950,64534954.R.No 5,Above Khandelwal Sweets,Opp Thane Railway Station,Gokhale Road,Thane (W) Mumbai – 400601,Ph: 022-25376898,65991678 – 79.NAGPUR: Shop No.5,Pushpakunja Commercial Complex,Central Bazar Road,Ramdas Peth,NAGPUR – 440010,Ph: 0712-6618577.NASHIK: G 18 & 19,Suyojit Sankul,Tilak Wadi,Sharanpur Road,Nashik – 422002,Ph: 0253 - 6629011,6629012.NEW DELHI: Bajaj House,97,Nehru Place,New Delhi – 110019,Ph: 011 – 41693000,26410315.N-10,Kalkaji,New Delhi,Ph: 64736914,64640919.15,L.G.F.Central Market,Masoodpur,Vasant Kunj,New Delhi -110070,Ph: 64736918,64640940.Shop no.15,Ground Floor,Deep Cinema Complex,Phase - 1,Ashok Vihar,Delhi – 110052,Ph: 64736944,64640908.United India Life Building,F-Block,Connaught Place,New Delhi – 1,Ph: 41790444 (30 Lines) 64640900- 07.DDA Shop No.24,Ground Floor,Rama Krishna Market,No.1,I.P.Extension,Patparganj,Delhi – 110092,Ph: 64736942,64640931.DDA Shop No.24,Ground Floor,Rama Krishna Market,No.1,I.P.Extension,Patparganj,Delhi – 110092,Ph: 64736942,64640931.DDA Shop No.4,FD Market,Near Madhuban Chowk,Pitampura,Delhi - 110088,Ph: 64736902,64640933.5/201,Sikka Complex,IInd Floor,Community Centre,Preet Vihar,Delhi-110092,Ph: 64736909,64640935 – 6.9,Ground Floor,Rajendra Bhawan,Rajendra Place (Opp.Rachna Cinema) New Delhi - 110008,Ph:,64736940,64640938.112,1st Floor,Ansal Chamber- 1,Bhikaji Cama Place,New Delhi-110066,Ph: 64736916,64640910.F-1,Ist floor,B-87,Defence colony,New Delhi- 110024,Ph: 64736930,64640912.F-4,HL Square,Plot No.6,Sector-5,Dwarka,New Delhi – 110075,Ph: 64736925,64640915.Shop No.11 & 12,7-A,Janakpuri Dist.Centre (Opp.Janak Puri Transport Authority),New Delhi – 110058,Ph: 64736912,64640917.Shop No.3,Ground Floor,B-5,Tagore Market (Next to Post Office),Kirti Nagar - 110015,Ph: 64736922.C-50,Shivalik,Main Road,Malviya Nagar,New Delhi-110017,Ph: 64736907,64640923.G-8&9,Ground Floor,Bhanot Tower,A-Block Opp.Jawala Heri Market,Paschim Vihar,New Delhi – 110063,Ph: 64640929,64736947.19,DDA Market,Commercial Complex,Yusuf Sarai,New Delhi – 110016,Ph: 64640943 - 44,64736937.NOIDA: Sector -29 A-2,Brahmputra Commercial Complex,Near Rail Reservation Centre,Sec.29,Noida – 201301,Ph: 6494074 - 75,6493213.Sec-41 C-20,C Block Market,Sector-41,Noida – 201301,Ph: 2570410,6494077 – 78.PANAJI: F2,1st Floor,Alfran Plaza,Near Don Bosco School,Panaji,Goa,Panaji – 403001,Ph: 0484 – 2356869,70.PATNA: Flat No.108,1st Floor,Ashiana,Plaza,Budha Marg,Patna – 800001,Ph: 0612- 6451056 - 59,61 – 63.PONDICHERRY: No.127/A,100 Ft.Road,Natesan Tower,1st Floor,Natesan Nagar,Pondicherry – 605001,Ph: 0413 - 6452334,6452335.PUNE: Shop No 6,Sanas Plaza,1302,Subhash Nagar,Bazirao Road,Pune – 411002,Ph: 020-65009460,61.Suyash Plaza,Office No.08,3rd floor,Opp-Selene Building,Bhandarkar road,Near Kamla nehru Park.Pune – 411004,Ph: 020 – 65009463.Office no.13,A Wing,Kamala Cross Road,Opp.PMPC office,old Mumbai highway,Pimpri,Pune – 411018,Ph: 020 – 46500150-51.RAJKOT: Prathibha Complex,Near Jayesh Publicity,Moti Tanki Chowk,Rajkot – 360001,Ph: 0281-6450135,37.SALEM: 22,GF,Omalur Main Road,SALEM – 636009,Ph: 0427 - 6452565,6452566.SILLIGURI: 3rd Floor,Jatin Das Sarani,(Near Jwel Club),Ashram Para,Siliguri,Siliguri – 734001,Ph: 9641831375.SURAT: L-4,Ground Floor,Vishwakarma Chambers,Majura Gate Crossing Road,Ring Road,Surat – 395002,Ph: 0261-6450421,6450422.THIRUVANANTHAPURAM: Edamala Plaza,TC 14/999 Opposite Police Headquarters,Vellayambalam Road,Vazahuthacadu Sasthamangalam Post,Thiruvananthapuram – 695010,Ph: 0491- 6450176.TIRUCHIRAPALLI: Swati Arcade,73/1 - f 1st Floor Salaia Road,Thillai nagar,Thiruchirapalli – 620018,Ph: 0431 - 6452094,6452095.VADODARA: 129 Siddharth Complex,R C Dutt Road,Vadodara – 390007,Ph: 0265 – 3088162.TRICHUR: VIII/78/9,Bharatha Kshemam Building,Next to SBI ATM,College Road,East Fort,Thrissur – 680005.Ph: 0487- 6451533,70.VARANASI: D-58/53-54,1st Floor,Shiva Complex,Rath Yatra Crossing,Varanasi – 221010,Ph: 0265-6450181.VIJAYWADA: Kalyan Complex 39-1-89,1st Floor,Beside OBC Bank,Temple Street,M.G.Road,Labbipet,Vijayawada – 520010,Ph: 0265 – 6450181.VISHAKHAPATNAM: Door No.10-1-125,1ST Floor,Asilmetta Junction,Beside Prasad Labs,Visakhapatnam – 530003,Ph: 0891-6461773,74. EDELWEISS BROKING LIMITED MUMBAI:104,1st Floor,P J Tower,BSE Bldg.,Dalal Street,Fort,Mumbai – 400 001; Tel.: 022 – 67471345/67494586.HYDERABAD:2nd Floor,MB Tower,Plot No.5,Road No.2,Banjara Hills,Hyderabad – 500034; Tel.: 040 - 40316911 INDORE:312,D.M.Tower,Race Course Road,Indore – 452001; Tel.: 0731-4061164 JAIPUR:Green House 601 & 602; 6th Floor,Ashok Aarg,Jaipur - 320 001; Tel.:0141-4045167 KOLKATA:2nd Floor,Savitri Tower,3A,Upper Wood,Kolkata - 700 017; Tel.:033- 40104635. ENAM SECURITIES PVT.LTD BANGALORE:10/3,Ground Floor,No.29,Empire Infantry,Infantry Road,Pin- 560001,Ph:080- 40333222 CHENNAI:Enam Securities Direct Pvt Ltd,11,Vijay Delux Apts.,7/4 First Main Road,Cit Colony,Mylapore,Pin- 600004,Ph:044- 39184335/4226 HYDERABAD:Enam Securities Direct Pvt Ltd,6-3-650/217b & C,Maheshwari Chambers,2nd Flr.,Somajiguda,Pin- 500082,Ph:040- 39893626/30658502 KOLKATA:Enam Securities Direct Pvt Ltd,S-205,Ideal Plaza,11/1,Sarat Bose Road,Pin- 700020,Ph:033- 32426310/30588154 MUMBAI:Khatau Building,2nd Floor,44 Bank Street,Off Shahid Bhagatsing Road,Fort,Pin- 400023,Ph:022- 22677901 Enam Securities Direct Pvt Ltd,201-A,Laxmi Towers,Bandra Kurla Compex,Bandra (E),Pin- 400051,Ph:022- 66803600 Hari Chamber,Ground Floor,58/64,Shahid Bhagat Singh Road,Fort,Pin- 400001,Ph:022- 22677901 New Delhi:M-39,Iind Floor,Outer Circle,Opp.Super Bazar,Connaught Place,Pin- 110001,Ph:011- 49811200/201 Pune:1248a,Asmani Plaza,Goodluck Chowk,Deccan Gymkhana,Shivaji Nagar,Pin- 411004,Ph:020- 25521606/406 Enam Securities Direct Pvt Ltd,101 & 102,Silver Prestige,1st Floor,Opp.Mccia,Tilak Road,Swargate,Pin- 411002,Ph:020- 30205492/93 Rajkot:Enam Securities Direct Pvt Ltd,308,3rd Floor,Towar Commercial Complex,Jawahar Complex,Near Galaxy Hotel,Pin- 360001,Ph:0281- 2226383/384 Vadodara:Enam Securities Direct Pvt Ltd,Gf 9,Silverline Towers,Opp Bbc Towers,Sayajiganj,Pin- 390005,Ph:0265- 3026945/46 642 Fortune Towers,Sayajiganj,Pin- 390005,Ph:0265- 2225412 IDBI CAPITAL MARKET SERVICES LTD. Ahmedabad:314,3rd Floor Crystal Arcade,Beside BSNL Complex,Near Girish Cold Drink Cross Road,C G Road,Pin-380006,Tel:(+079) 40075054/55/56.Bangalore:No.63,Right Wing,1st Floor,K.H.Road,,(Double Road),Opp.BMRTC Big Bazaar,Above Vodaphone Store,,Pin-560027,Tel:(+080) 22117869/22117858.Baroda: G/24 Concorde Bldg.,R P Dutta Road,,Near IDBI Bank,B/h IDBI Bank,Alkapuri,Pin-390005,Tel:(+0265) 320 1426/21.Bhavnagar: IDBI Capital.108 1st Floor,Shopper’s Point,,Parimal Chowk,Waghawadi Road,Pin-364002,Tel:9374840644.Bhopal: Harisons House,Upper Ground Floor,,6 Malviya Nagar,Pin- 462003,Tel:(+0755) 276 0010/325 5480.Bhubaneswar: IDBI House,Janpath,Unit IX,,Pin-751022,Tel:(+0674) 320 8801/ 2/3.Chandigarh: SCO 86,1st Floor,Sector 44 C,Pin-160044,Tel: (+0172) 324 2449 / 324 4416.Chennai: Flat No.D,1st Floor,Deve Regency,,No.6/11,1st Main Road,Gandhi Nagar,Adyar,Pin-600020,Tel:(+044) 3293 5830/3293 5834.Coimbatore:2nd Floor,16,Sathya Moorthy Road,Opp.Ayyapaseva Sangam,Ramnagar,Pin-641009,Tel:(0422) 320 8226.Guwahati: C/o IDBI Ltd.,IDBI House,4th Floor,,North Eastern Zonal Office,G.S.Road,Pin-781005,Tel:9864259980.Hyderabad:IDBI Capital Market Services Ltd.,C/o IDBI Ltd.,3rd Floor,IDBI House,,D.No.5-9-89/1 & 2,Chapel Road,P.B.No.370,,Pin-500001,Tel:(+040) 66747540/41/42/43/44.Indore:Plot No.11A/A,1st Scheme No.54,,Opp.Satya Sai School,Vijay Nagar,A.B.Road,Pin- 452010,Tel:(+0731)2554229/4248070.Jaipur: 314 3rd Floor,Ganpati Plaza,M.I.Road,Pin-302001,Tel:(+0141) 320 8276/320 8274.Kochi :IDBI Capital.,2nd Floor,Pavana House,K.P.Vallon,K.P.Vallon Road,Kadavanthra,Pin-682020,Tel:(+0484) 321 0712/403 3505.Kolkata:Suit No 2 B,228 A,Landmark Bldg - Seconf Floor,Mintopark,AJC Bose Road,,Pin-700020,Tel:033- 32502896.Lucknow:1st Floor,Halwasiya House,,11 M.G.Marg,Hazratganj,Pin-226001,Tel:(+0522) 325 0987/325 1019.Mangalore: 1st Floor,Bridge Square,Balmatta Road,Pin-575001,Tel:(+0824)4278032/33 2440688.Mumbai: Mafatlal Centre,,3rd Flr,Nariman Point,Pin-400021,Tel:91+22-43221212 /43221203.Shop No.B 4,E Wing,,Crystal Plaza,Opp.Infinity Mall,Off New Link Road,Adarsh Nagar,Andheri (w),Pin-400053,Tel:022) 3246 8346/49.Shop No.8,Thacker Tower Premises,Co-Op Society Ltd.,Plot No.86,Sector 17,Vashi,Navi Mumbai,Pin-400705,Tel:(022) 2789 3262.Shop No.3,Vikas Palm,Village Pachpakhadi,Pin-400601,Tel:(022) 2544 4441/3205 8120.Nagpur: IDBI Capital.Unit No.104,Ashish Annexe,Plot J-13 A,WHC Road,Laxmi Nagar,Pin-440022,Tel:0712-2230005/9.New Delhi: Office No.216-217-218,Second Floor,,Vardhman Tower,Preet Vihar,Pin-110092,Tel: 3247 2133/3247 3307.C-1/103-104,Lajpat Nagar -1,New Delhi,Pin- 110024,Tel: 9810316643.IDBI CAPITAL MARKET SERVICES LTD.C/O IDBI BANK Ltd,51/3 2nd floor Deshbandhu Gupta Road,Opposite Khalsa College,New Delhi – 110005.Patna: Patna Branch Office,205,2nd Floor,Grand Plaza,Fraser Road,Pin-800001,Tel:(+0612) 320 0687.Pune:Office No.32/33,2nd Floor,Building B,,Wing C,Shrinath Plaza,Modern College,Shivagi Nagar,Pin-411004,Tel:(+020) 3291 3133.Rajkot: 1st Floor,Ankur Bldg.,,Dr.Radhakrishan Road,Near Moti Tanki,Pin-360001,Tel:0281-3056091/92/93.Surat :IDBI Capital.,Unit No.302,3rd Floor,Meridian Tower,Nond 2105/2106,Khatodara,Udhana Darwaja,Ring Road,Pin-395002,Tel:(+0261) 322 4936/322 4938.Trivandrum: NH Road,,Killipalam,Trivandrum.Pin-695002,Tel: 0471- 401 8482.Varanasi: D-58/12,A-7,IIIrd,Floor,Gandhi Nagar,Sigra,Pin-221010,Tel:9935397975.Visakhapatnam: 10/1/44 3rd Floor,T.L.N.Complex,Opp.IDBI Bank,Siripuram,Pin- 530003,Tel:0891- 3201715/16,/2792939. INTEGRATED ENTERPRISES (INDIA) LTD AHMEDABAD 21,Nirman,Gr.Floor,Behind Navrangpura Bus Stop,Navrangpura,Ahmedabad - 380 009.Tel.26443289/26447825 BANGALORE No 12,Ramanuja Plaza,Ground Floor,5th Cross,Malleswaram,Bangalore - 560 003.Tel.23446386/23461470 BHOPAL Manasarovar Complex,FM 14,‘C’ Block,1st Floor,Near Habibganj Railway Station,Habibgang Station Road,Bhopal – 462 011 Tel.4266005/4266006 BHUBANESWAR 39 F,I Floor,Kalika Jewellery and Sons,Ashok Nagar,Bhubaneswar - 751009 Tel.2530613/2530614 CHENNAI 1st Floor,Kences Towers,1,Ramakrishna Street,North Usman Road,T.Nagar,Chennai - 600 017.Tel.28140484 COIMBATORE Janaki Apts.,Ground Floor,29/176,Ramalingam Road (West),R.S.Puram,Coimbatore - 641 002.Tel.2471944/2471505 DHANBAD Shri Ram Plaza,3rd Floor,Shop No.308,Bank More,Dhanbad -Jharkhand - 826001.Tel.2304331/2307635 GUNTUR 6-9-15,9/1 Aurndelpet,Guntur - 522002 Tel.2326624/2337809 HYDERABAD No.5-10-197/A,G4,I Floor,Reliance Krishna Apts,Beside Kalanjali Bhavan,Navad Pahad,Hill Fort Road,Hyderabad - 500 004.Tel.23242375/ 23242472 JAMSHEDPUR Shop No.8,Meghdeep Apts,H No.5,Line No.2,Q Road,Bistupur,Jamshedpur,Pincode - 831001,Jharkhand.Tel.2756319/2756321 KAKINADA LIG 7,2-6-38,AP Housing Board,100 Building Center,Srinagar,Kakinada - 533 003.Tel.2377258 KOCHI/ERNAKULAM RAJ SOUDH’,I Floor,39/3477,M.G.Road,Ernakulam - 682 016.Tel.2358922 /2358923 KOLKATA Trikut,Flat No.1-B,4C Lansdowne Place,Opp.Road of Ramakrishna Mission Hospital,Kolkata - 700 029.Tel.2474600/24742705 LUCKNOW 207 - A,2nd Floor,Saran Chambers II,5,Park Road,Lucknow - 226 001.Tel.2235736/2236766 MADURAI 82,1st Floor,Vakkil New Street,Madurai - 625 001.Tel.2630305/2620560 MANGALORE F-1,1st Floor,Ram Bhavan Complex,Kodialbail,Mangalore- 575 003.Tel.2440163/2447051 MUMBAI 59,Sonawala Building,Gr.Floor,Bombay Samachar Marg,Fort,Mumbai - 400 023.Tel.22662825/22662728 MYSORE 133,Shika Towers,Second Floor,Rama Vilas Road,Mysore - 570 024.Tel.2424188/4266682 NAGPUR Block No.108,Sathyam Towers,(First Floor),(Next to Hotel Sunny International),Plot No.8,Wardha Road,Dhantoli,Nagpur – 440012.Tel.2420105/2420106 NASHIK B Wing,Parshuram Apts,Opp.Times of India Office,College Road,Nasik - 422 005.Tel.2575524 /2316300 NELLORE Shop No.27,Co-operative Bank Shopping Complex,Trunk Road,Nellore - 524 001.Tel.2326297/ 2332040 NEWDELHI/DELHI 1691/36,(II Floor),Arya Samaj Road,(Opp.to Satbhrawan School),Naiwala,Karolbagh,New Delhi – 110 005.Tel.45170331 to 332 PANAJI 106,1st Floor,Durga Chambers,Opp.Kenis Hotel,18th June Road,Panjim,Goa - 403 001.Tel.2426904/2426905 PATNA No.313,Jagat Trade Centre,Fraser Road,Patna 800 001.Tel.2205943 PONDICHERRY No.40-A,Aurobindo Street,(Between M.G.Road & Mission Street),Pondicherry – 605 001 Tel.2222155/4207233 PUNE 7 and 8 Arthshilp,Gr.Floor,1349,1350,Shukrawar Peth,Bajirao Road,Pune - 411 002.Tel.24473944/24481891 RAJAHMUNDRY 6-14-7/1,Opp.Pala Varthakula Sangam,Achantavari St,T.Nagar,Rajamundhry - 533101.Tel.2422120/2437533 RAJKOT 130,Star Chambers,1st Floor,Harihar Chowk,Dr.Rajendra Prasad Road,Rajkot - 360 001.Tel.3041451/ 2240373 SALEM No.19/2 AB Gandhi Nagar,(1 Flr),Annapuram,Opp.to Raja Thirumana Mahal Salem-636004 Tel.2446727/2336746 SURAT C-18 Belgium Chambers,I Floor,Next to City Union Bank Ltd.,Main Ring Road,Surat - 395 003.Tel.2410815/2454535 THANE (MUMBAI) 102,1st Foor,Shree Krishna Complex CHS Ltd.Dada Patil Wadi,(Next to Ganesh Towers) Thane West – 400 602 Tel.25301256/25301257 THIRUVANANTHAPURAM Aashiana,TC 28/2829-2,1st Floor,Kuthiravattom Road,Trivandrum – 695 001 Tel.2461593/2478225 TIRUPATI D.No.10-13-490A,2nd Floor,Reddy & Reddy Colony,Beside Krishna Reddy Hospital,Tirupathi - 517501.Tel.2224001/2224003 TRICHUR 3rd Floor Ambika Arcade,M.G.Road,Thrissur - 680 021.Kerala Tel.3204561/3204562 TRICHY Chitra Complex - No.11,Gr.Floor,Near Chatram Bus Stand,Trichy - 620 002.Tel.2703670/2716387 VADODARA F- 40/41,National Plaza,1st Floor,R.C.Dutt Road,Alkapuri,Baroda - 390 007.Tel.2343677/2341608 VIJAYAWADA D No.29-13-29,Ist Floor,Kaleswara Rao Road,Near Dornakal X Roads,Besides Indian Bank,Suryaraopeta,VIJAYAWADA - 520 002.Tel.2472414/2470517 VISAKHAPATNAM TC-1,3rd Floor,Dwaraka Plaza,Main Road,Dwaraka Nagar,Vizag - 530 016.Tel.2513606/2747020 JM FINANCIAL SERVICES PRIVATE LIMITED AHMEDABAD:Mr Bhavesh Shah/Mr.Girish Shah,G-10 Chinubhai Centre,Gr.Flr,Nehru Bridge Corner,Ashram Road,Ph:079-2657 6666 – 70.Ms.Dipti Dave,B-101,Shvalik Plaza,Opp.AMA,IIM Road,Ambawadi,Ph:079-39826700/6727.BANGALORE:Mr Yeriswamy Reddy,97/4 Residency Rd,Ph:-080- 30912400/2299 8264/65/66/67.CHENNAI:Mr.Kalai Selvan,Gee Gee Crystal - 5th Floor,91-92.Dr.Radhakrishnan Salai,Mylapore,Ph:044-4225 5666.HYDERABAD:Mr Ganpaty Murthy/Chandrasekhar,9-10 Uma Chambers,3rd Floor,Banjara Hills,Ph:040- 39875900/6636 0009/10/12/46.Mr.Mallesh/Mr.Pravin Chary,JM Financial,3rd Floor,305 Jade Arcade,Opp Paradise Hotel,M G Road,Secundrabad 500 003.Tel:(040) 3982 5200.INDORE:Mr.Manish Upadyay,UG-7 & 8,Ground Floor,D M Tower,,21/1,Race Course Road,Ph:0731-3072111/4262111.JAIPUR:Mr.Navneet Sharma,G-7 & G-8,Brij Anukamba,Plot No.K-13,Ashoka Marg,C-Scheme,Ph:0141-3984400.KOLKATA:Mr.Bharskar Chatopadyay,Kankaria Estate,8th Flr,6th Little Russell Street,Ph: 033-3987 0330.MUMBAI:Mr Ashit Vora,1st Floor,Patel House,Next to Bank of Baroda,M G Road,Vileparle (East),Ph:022-2613 5202-03/67077440-43.Mr.Sahil Shah,Palm Court,M- Wing,4th Floor,Goregaon Link Road,Malad (West),Ph:022-30877000/67617000.Mr.Nilesh Gavle,Ground Floor,Anushka,New Link Rd,Andheri (West),Ph:022- 66191600/612.Mr R Mukundan/Ms Armin Irani,2,3,4 Kamanwala Chambers,P M Road,Fort,Ph:022-3021 3500/2266 5577 - 80,.Ms Jyotsna Solanki/Mr C V George,Shop No 6,Dattani Trade Center,Chandra Varkar Road,Borivali (West),Ph:022- 3021 5400/6695 9120 - 23.Ms Charulata Mehta/Mr.Tilak Sanil,424/425 Kalidas Plaza,V B Lane,Ghatkopar (East),Ph:022-3097 8700/6710 4738.NEW DELHI:Mr Prasad Nair/Mr C S Tiwari,114 Himalya House,23,K G Marg,Ph:011-4130 5000/3092 5500.PUNE:Mr Anand Shirke/Mr Sanjay Yelwande,205 Business Guild,Opp.Krishna Dining Hall,Law College Road,Erandawane,Ph:020-3987 1600-01/ 66033730.RAJKOT:Mr.Sona Verghese,202 Solitaire,2nd Floor,Swami Vivekananda Marg,Near Municipal Commissioner Bunglow,Ramkrishna Nagar,Ph:0281-3984000/3984101.SURAT:Mr.Dipen Shah/Mr.Nishant Trivedi,JM Financial,407,4th Floor,21 Century Business Centre,Near Udhna Char Rasta,Ring Road,Ph:0261-3984000.VADODARA:Mr.Ghanshyam Vyas,G1Ground Floor,Shohan,49 Alkapuri Society,Opp.HDFC Babk,Alkapuri,Ph:0265-3984 311.VISHAKHAPATNAM:Mr D V Vijayakumar,Door No 9-1-224/4/3,1st Floor,Nandan Nirman,CBM Compound,Near Rama Talkies Junction,Ph:0891-3983800. KOTAK SECURITIES LIMITED AGRA: 2/220,Glory Plaza,Suer Sadan Crossing,M.G Road,P: 5538760; AHMEDABAD: 207,2nd Floor,Sakar-II,Ellisbridge Corner,Ashram Road.P:26587276; Kotak Sec Ltd.,201/A,Amruta Arcade,Nr Maningr Char Rasta,Maningr; B/104,1st Floor,Premium House,Opp Gandhigram Rly Stn.P:26579567; B-46,Kamdhenu Complex,Opp.Sahajanand College,Panjara Pole,Ambawadi.P:26308035; 201-A Amruta Arcade,Nr Maninagar Char Rasta,Station Road,Maninagar,ALLAHABAD: M-4,Mezzanine Floor,LDA Center,2,Sardar Patel Marg,Civil Line.P: 2561451; AMRITSAR: Unit No.FUF-7,Central Mall,32,Mall Road; ANAND: 3rd Floor,“Sanket”,Near Grid.P: 2573311; BANGALORE: ‘Umiya Landmark’–II Flr.,No:10/7 -Lavelle Rd.P: 66203601; no 201,soundrya sampige complex,Sampige Road,No 412,8th Cross,Malleswaram.P: 9900133758; BELGAUM: Shri Laxmi Sankul Complex,T-01,3rd Flr,Above Cosmos Bank,Maruti Galli,P: 4203033; BHARUCH: 235-236,Harihar Complex,Zadeshwar Road.P:570569; BHOPAL: Third Floor,Alankar Palace,10-11,MP Nagar,Zone 2.P: 5248133; BHUBANESHWAR: Plot No – 24,2nd Flr.,SCR,Nr Bazaar Kolkata,Bapuji Nagar,Janpath.P: 2597871; BIKANER: Kotak Securities limited,Office No.1/2 of 12,Office No.13 & 14,1st Floor,Silver Square,Rani Bazaar,CHANDIGARH: SCO-14-15,2nd Floor,Madhya Marg,Sector-8C.P: 5065301; CHENNAI: GRR Business Cneter,No.21,Vaidyaraman Street,T Nagar.P:66462000; COIMBATORE: 1st Floor,Red rose chamber,1437,Trichy road.P: 6699666; CUTTACK: 1st Floor,Umang Plaza,Bajrakabati Road,Nr.Petrol Pump,DHERADUN: 1st Floor,Swaraj Complex,72,Rajpur Road,Opp Hotel Madhuban,P: 2745870; DHANBAD: 1St Floor,Commerce House - 2,Above Ashoka Bajaj Showroom,Shastri Nagar,P:2308482; GUWAHATI: Akshay Tower,4th Floor,Opp.Rupayan Arcade,Fancy Bazar,S.S.Road.P: 2732243; GUNTUR: Diamond plaza,2nd Floor,6th Lane,Arundelpet main Road,GURGAON: Kotak Securities Ltd.; O - 107 Arjun Shopping Mall; Arjun Nagar; DLF Phase1; HUBLI: V A Kalburgi Complex,Ground floor,Besides Vivekanand corner,Desai Cross,Deshpandenagar.P: 2357512; HYDERABAD: 9-1-777,4th Flr,Beside ITC Bldg,S D Rd,(LANE Opp to DBR Diagnosis),P:65326394; INDORE: 314,Citi Centre,570,M.G.Road.P:2537336; JABALPUR: Jain Tower,3rd Floor,Ruseel Chowk,P: 4085850; JAIPUR: 305-308,3rd Floor,Green House,O-15,Ashok Marg,C-Scheme; JALANDHAR: 2nd Floor,465,Lajpat Nagar Market; JAMNAGAR: 701,5th Floor,City Point,Station Road,Near Town Hall.P: 5540355; JAMSHEDPUR: Bharat Business Centre,Ho No.2,2nd Flr,Rm No.8,Ram Mandir Area Bistupur,P:3090856; JODHPUR: 1st Floor,Gulab Bhawan,Chopasani Road,P: 5101956; KAKINADA: No: 15,1st Floor,Subhadra ArcadeBhanugudi Junction KANPUR: 312-315,3rd Floor,14/113,Kan Chambers,Civil Lines,Near UP Stock Exchange.P: 3018114; KOCHI: 40/1400,11th Floor,Ensign Enclave,Jos Junction,M.G.Road.P: 2377386; KOLKATTA: 7th Floor,Apeejay House,Block ‘C’,15,Park Street,P:22273999; Govind Bhavan,Ground Floor,2,Biplabi Trilokya Maharaj Sarani(Brabourne Road),P: 2235 8105; KOTA: D-8 First Floor,Shri Ram Complex,Opposite Multipurpose School,Gumanpura; LUCKNOW: 1-2 Ground floor,Commerce House,Habibullah Estate,11 M.G.Marg.P:3950119; A-1; Ashish Palace,Sector E,Aliganj,P: 3232285; LUDHIANA: SCO-122,2nd Floor,Firoz Gandhi Market,P: 5047214; MADURAI: Shop A First Floor,KRV Arcade,AR PLAZA 16 & 17,North velli Street.P: 2341225; MANGALORE: No.4,3rd Floor,The Trade Centre,Jyoti Centre,Bunts Hostel Road,Near Jyoti Circle,P: 424180; No.4,3rd Floor,The Trade Centre,Jyoti Centre,Bunts Hostel Road,Near Jyoti Circle.P: 424180; MUMBAI: 32,Gr Flr.,Raja Bahadur Compound,Opp Bank of Maharashtra,Fort,P:22655074; 6th Floor,Kotak Towers,Building No.21,Infinity Park,Off Western Express Highway,Goregaon Mulund Link,Road,Malad (E),P: 6605 6825; Nirlon House,3rd Floor,Dr Anie Besant Road,Near Passport Office,Worli,P:66529191; MYSORE: No: 646 - Kiran Mansion - 2 nd Floor,Above Reliance Fresh,Chamaraja Double Road,P: 4000861; NAGPUR: Plot no.5,3rd floor,Lotus Gorepeth Layout WHC Road,Dharampeth,P: 6620278; NASHIK: G-5,Suyojit Avdhoot Tower,Old Gangapur Naka,Gangapur Rd,P: 6609804; NEW DELHI: 202-217,2nd Floor,Ambadeep Building,14,Kasturba Gandhi Marg.P:66313131; NOIDA: Kotak Securities Limited,2nd Floor,Above Kotak Mahindra Bank,G-31-32,Atta Market,Sector-18,P: 4606911; PANAJI: 2ND Floor,Gurusai Plaza,Isidoria Baptista Road,Margao,P: 6624833; PATNA: Office No.7,Twin Tower Hathwa,South Gandhi Maidan,P: 2224620; PUNE: 2 ND FLOOR,KUMAR BUSINESS CENTER,BUND GARDEN ROAD,OPP.BUND GRADEN,P: 66066129; RAIPUR: Menzanine Fllor,Chawla Complex,Near Vanijya Bhawan,Devendra Nagar Road,P: 251555; RAJKOT: Nath Complex,2nd floor,Opp.Jilla Panchayat,Above Kotak Mahindra Bank,Yagnik Road.P:2459436; RANCHI: Shop no.24 & 25,2nd Floor,A.C.Market,G.E.L.Church Complex,Main Road,P:2200860.SALEM: 5/241,F Rathna Arcade Five Road,Meyyanur,P: 2335476; SILIGURI: Nanak Complex,2nd Floor,Sevok Road,SURAT: Kotak House,K G Point,1st Floor,Nr.Ganga Palace,Opp.IDBI Bank,Ghoddod Road.P: 2254553; TRICHUR: No:22 Suharsha Towers,Shornur Road,TRICHY: C-56,1-24-4th cross,Thillai Nagar,TRIVANDRUM: Mahesh Estates,2nd Floor,T L -15/1805,Vazhuthacadu,P: 2337423; UDAIPUR: 222/12,Ist Floor,Mumal Towers,Saheli Marg,P: 513901; VADODARA: 216,Meghdhanush Complex,Race Course Road (South),P: 2314455; VARANASI: 1st Floor,Arihant Complex,D-64127-CH,Sigra,P: 2227305; VIJAYAWADA: 40-1-48/1,Labbipet,M.G.Road,P: 6649061; VISAKHAPATNAM: Door No.47-10-15,VRC Complex,2nd Floor,Railway Station Rd,Dwarka Nagar,P: 6642009; MUTHOOT SECURITIES HYDERABAD G V Prasad Rao, Muthoot Finance Limited, 16-2-677/2, I Floor, Thirumala Towers, Judges Colony, Malakpet, Hyderabad - 500036. 9848484743 VIJAYAWADA C L Narayana Rao, Muthoot Finance Limited, D No.56/11/4, I Floor, Upstairs Of Andhra Bank, Bandar Road, Patamata-20010. 9490635994 VISAKHAPATANAM Surya Prakash Rao, Muthoot Finance Limited, D No.49-34-24, Near Saibaba Temple, Akkayyapalem, Visakhapatanam - 530016. 9848436464 BANGALORE K.R Ramakrishnan, Muthoot Finance Ltd,Regional Office 11/2, Cambridge Road,Ulsoor, Bangalore - 560 008. 9880084088 HUBLI Prakash N Deshpande, Muthoot Finance Ltd,Regional Office,,S F-305,306,2nd Floor,Kundgol Complex,Court Circle Hubli- 580029. 9964792166 MANGALORE G.Ravindra Shetty, Muthoot Finance Ltd,Regional Office,Plot No.A-2city Trade Centre,Opp.City Hospital, Mangalore - 575 003. dakshina Kanada Dist, Karnataka State 9448726237 CALICUT Mr. N. Prabhakaran, Muthoot Finance Ltd,Regional Office 3/ 555 B, First Floorchirakkal Building,East Nadakkavu, P.O.Nadakkavu,Calicut - 673 011, 9495532552 KOCHI/ERNAKULAM Surendran A.K, Regional Office, 1st Floor, Casa Grante Building, Opp.Tvs, Near Deshabhimani Jn.Kaloor, Cochin-682017. 9447500462 THIRUVANANTHAPURAM Ms. Minimol.P, Muthoot Finance Ltd, Regional Officenarendra Courts’, Smc Junction Vazhuthacaud, Trivandrum-695014. 9048037473 CHENNAI M.Thyagasekaran, Muthoot Finance Ltd.Regional Office, No 6, Marya Gowda Road, Opp.Indian Bank, West Mambalam,Chennai South-600033. 9444551656 COIMBATORE A.Shanmugam, Muthoot Finance Ltd,Regional Office,Door No.70, Iind Floor, N.G.N Street, New Siddapudur, Gandhipuram, Coimbatore-641044. 9942252000 MADURAI S.Parthasarathi Pillai, Muthoot Finance Ltd, Regional Office,Nirmal Plaza Building, 1st Floor, 136, Alagar Kovil Road, K.Pudur, Madurai - 625 007. 9842199859 SALEM Mr. N. Sundaram, (Salem North) Muthoot Finance Ltd,Regional Office, 248, 1st Floor,Junction Main Roads, Five Roads, Salem- 636004 . 9443232337 TRICHY K.Venkatesalu, Muthoot Finance Ltd, Regional Office,90, Mdsr Enclave,4th Floor,Bharathidasan Salai, Cantonment,Trichy-620001. 9842980496 COCHIN Roby Joseph, Muthoot Securities Ltd, Aplha Plaza, K.P.Vallon Road, Kadavanthara, Cochin-20. 9495773163 SPA SECURITIES LIMITED KOLKATA Diamond Chambers Room No-8-0 8th Floor 4 Cowringhee Lane Kolkata-700016 Tel.033-22521537 PATNA 301 A Iiird Floor Bhuwneshwar Plaza Near Magadh Stock Exchange Patna-800001 Tel.06123249357,56 JAIPUR 26 Gopal Bari Oppsite.Vidhayak Puri Police Station Khasakothi Jaipur Tel.0141-4260000/29 LUCKNOW 3ff F-I Ganga Sager Ram Tirath Marg Narhi Lucknow-22601 Tel.0522-4054914 NEW DELHI 25,C Block,Community Center,Janakpuri New Delhi-110058 Tel.011-25517371/25515086/45675500 CHANDIGARH 1st Floor Sco-307,Sector-38-D Chandigarh- Tel.0172-4678545 HYDERABAD No-101,Drno.6-3-1090/A/12.Manbhum Jade Tower Sraj Bhavan Road,Fortune Katriya Lane Somajiguda Hyderabad-500016.Tel.040- 44331300 ROYAPETTAH CHENNAI D.No-2 5th Floor Phase-Ii Kasi Arcade No-14 Sir Thayagarya Road T.Nagar Chennai Tel.044-43993400 AHMEDABAD 803,Shivalik Building Near Panchwati Cross Road Ambawadi Ahmedabad-380006 Tel.079-30013800 MUMBAI 101,10th Floor,Mittal Court,A Wing,Nariman Point Mumbai - 400021 Tel.022-22801240-48/40439000 MUMBAI 602,Embassy Centre,Nariman Point,Mumbai - 400021 Tel.022-22829706-07/22812121 MUMBAI Plot No-629,Nayay Sagar Coperative Housing Society Sant Daya Neshwar Marg Kala Nagar Bandra East (Near Guru Nanak Hospital ) Mumbai - 400051 Tel.022-42895600-01 PUNE 5,Shankar Smruti,2nd Floor,Next To Kaka Halwai,Prabhat Rd Lane No.9/3,39/25 Erandwana,Pune- 04 Tel.020-30223276 MUTHOOT FINANCE LIMITED : COLLECTION CENTREES FOR APPLICATION FORM AXIS BANK LIMITED Ahmedabad : ‘Trishul’ opposite Samartheshwar Temple Law Garden, Ellis Bridge Ahmedabad 380006, Gujarat, Parag Muchalla - (079) 66306116, 9427231432 Bangalore : No. 9, M.G. Road, Block A Bangalore 560001 Karnataka, Mithun 080-25370638, Bhavnagar : Plot No. 4/B, Vasundhara Complex opp. Dakshinamurthy School, Waghawadi Road Bhavnagar 364002, Gujarat, Jatin Gandhi 9998141181 Bhubaneswar : Archbishops House Satyanagar Bhubaneshwar 751007, Swarnaprabha 9437106311, Bijapur : 1st Floor, V K G Complex MG Road Bijapur 586101 Karnataka, Shrinivasan 08352-224194, 9916871327, Calicut : Axis Bank Ltd, Marina Mall YMCA Cross Road Kozhikode 673001, Kerala, Venkat 9995390776, Chennai : 82 Dr Radhakrishnan Salai Mylapore, Chennai 600004 Tamil Nadu, Jakir Hussain 9884159985, Faridabad : Shop No.-6, Crown Complex, Neighbourhood No. 2, 1-2 Chowk, NIT,Faridabad 121001 Haryana, Santosh 9562366665, Ghaziabad : Plot No 3, N-30 Ambedkar Road Nehrunagar Ghaziabad (U.P.) Ghaziabad 201001 Uttar Pradesh, Gulbarga : Jawali Complex Super Market ,Gulbarga 585101 Karnataka, Gurgaon : SCO-29, Sector-14,Near Huda Office, Old Delhi, Gurgaon 122001 Haryana, Ganesh 9811207977, Indore : Kamal Palace, 1 Yeshwant Colony Yeshwant Niwas Road Indore 452003 Madhya Pradesh, Arpita 07314295208, Jabalpur : Grd & 1st Flr, Panchratna Blg Plot No.902, Model Rd, Wright Town Jabalpur 482002, Madhya Pradesh, Gauri Tiwari 9893912928, Jamnagar : Jaidev Arcade,Grnd Flr,Park Cly Main Rd, Nr Joggers Park Jamnagar 361008 Gujarat, Varsha 9228406338, Karnal : 3/250,1,Shakti Colony, Mall Road,Karnal132001 Haryana, Vikas 9896750720, Kochi/Ernakulam : 41/419, Ground Floor Chicago Plaza, Rajaji Road, Ernakulam 682035 Kerala, Venkitachalam Anand 9895398014, Kolkata : 7, Shakespeare Sarani Kolkata 700071 West Bengal, Siddhart 9830463389, Mangalore : Essel Tower, Ground Floorbunts Hostel Circle Mangalore 575003 Karnataka, Saujanya 8242410981, Meerut : Hotel Crystal Palace, G-2/47 Civil Lines, Boundary Road, Meerut 250001 Uttar Pradesh, Siddharth Mehta 9536901772, Mumbai : Universal Insurance Building, Ground Floor Sir P M Road, Fort Mumbai 400001 Maharashtra, Nachiket 022-66107265, Nashik : Mazda Towers, Tryambak Naka F. P. No.183, C.T. Sno. 620/9 GPO Road, Nashik 422001 Maharashtra, Nilesh Patil 9822974396, New Delhi/Delhi : Statesman House, 148, Barakhamba Road New Delhi 110001 Delhi, Neha Munjal 9999113382, Noida : B2-B3, Sector 16 Noida, U.P. Noida 201301 Uttar Pradesh, Priyanka Upadhyay 9818954356, Raichur: MPL No.1-10-151 & 152 Kubera Palace, Station Road Raichur 584101 Karnataka, Rasish 9449920895, Siliguri : Spectrum House Sevoke Road, Siliguri 734401 West Bengal, Tapasnath 9832011628, Sirsa : Plot No 17/339 & Plot No. 17/340, Sangwan Nursing Home Cplx, Sangwan Chowk, Dabwali Road Sirsa 125055 Haryana, Thane (Mumbai) : Dhiraj Baug, (Near Hari Niwas Circle) LBS Marg, Thane (West) Thane 400602 Maharashtra, Thiruvananthapuram : 2/2421, Condor Building, Pattom, Thiruvananthapuram 695004 Kerala, Arathi K 0471-4400721 DHANLAXMI BANK LIMITED AHMEDABAD Dhanlaxmi Bank, 3, Motilal Chambers, Income Tax Circle, Near Sales India, Ashram Road, 143 Ahmedabad, Gujarat – 380009, Mr. Vishal Upmanyu BHOPAL Dhanlaxmi Bank, Ground Floor, VNV Plaza, Plot No:6,, Zone -2, Maharana Pratap Nagar, Bhopal, Madhya Pradesh – 462011, Mr. Nand Kishore Piryani CHANDIGARH Gr Floor, Rai Building, Sco 93 & 94, Sector - 17 B&C, Near K C Cinema, Chandigarh – 160017, Nandit Sood CHENNAI Dhanlaxmi Bank Ltd, P.B.No. 359, 104 & 107,Om Sakthi Towers, Mount Road, Anna Salai, Chennai, Tamil Nadu - 600002, Mr. J Srinivasa Narasimhan COIMBATORE 461, Vivekananda Road, Ram Nagar, 62- Coimbatore, Tamil Nadu 641009, Mr. Chidhambaranatha Pillai. M HYDERABAD 23/A, Sai Sushma Homes, Main Road, S. R. Nagar, Opp. S. R. Nagar Police Station Hyderabad - 500038, Ms. Madhavi JAIPUR Ground Floor, G-3-4-5-6-7, Royal World, Opp. City Centre,Sansar Chand Road, Jaipur Rajasthan – 302001 Ms. Sneh Walia JALANDHAR Ground Floor, 465 - A, New Jawahar Nagar, Jalandhar, Punjab - 144001, Mr. Mandeep Sharma KOCHI/ERNAKULAM Dhanlaxmi Bank, 32/2383, KMM Building, Opposite KSEB, SN Junction, 38- Palarivattom, Ernakulam, Kerala - 682025, Mr. Arun Nair KOLKATA Ideal Plaza, Ground Floor, 11/1, Sarat Bose Road, 154 - Kolkata, West Bengal - 700020, Mr. B. K. Subrahmanian LUCKNOW Dhanlaxmi Bank, Halwasiya House, No: 11, M G Road, Hazratganj, Lucknow, Uttar Pradesh - 226 001, Mr. Vipul Kumar MUMBAI The Dhanlaxmi Bank, Ground Floor, Janmabhoomi Bhavan, Plot 11-12, Janmabhoomi Marg, 144 - Fort, Mumbai, Maharashtra - 400 001, Mr. Ramesh Menon; 307, Jolly Bhavan 2, Opp. Nirmal Niketan College, New Marine Lines, Mumbai 20, Mr. Mayur; Gr. Floor, Mirage Arcade, Opp. Ganesh Temple, Nehru Road, Dombivli (East), Thane, Maharashtra – 421201, Ms. Anita Iyer; Gr Floor, 2/3/4, Kapoor Apt, Chandavarkar Road, Boriwali (W), Mumbai, Mr. Winniefred Dsouza MYSORE Sri Lakshmi Arcade, D No:14, 4th Main, 8th Cross, Kamakshi Hospital Road, Saraswathypuram, Mysore - 570009 Mr. Satish S P NEW DELHI Dhanlaxmi Bank, 16/15, W.E.A., J.S. Plaza, Arya Samaj Road, Karol Bagh, New Delhi - 110005, Mr. Arvinder Palsingh, PANAJI Ground Floor, Behind Hotel Fidalgo, M.G. Road, Panaji Goa – 403001, David De Souza PUNE The Dhanlaxmi Bank Ground & 1st Floor, Radiant Arcade, M.G. Road, (East Street), Pune 411001, Mr. Bhavesh Nayak SURAT 142, 3rd Floor, The Surat, Vankar Sahakari Sangh Building, Opp. Reshamwala Market, Ring Road, 142 Surat, Gujarat – 395003, Mr. Vijay Singh TRICHUR Dhanlaxmi Bank, Ground Floor, Dhanalakshmi Complex, 4- Pushpagiri, Dlb Bhavan, Punkunnam, Thrissur, Kerala - 680002, Ms. Rekha T R VARANASI Ground Floor, Shakti Sikha Complex, Sigra, Varanasi, Uttar Pradesh – 221010, Mr. Ashish Kumar Singh HDFC BANK LIMITED AGRA First Floor,Pariney Garden, Bhagfarjana, Civil Lines, Agra - 282002, 0562 - 4010382 ASANSOL P.C Chatterjee Market , Rambandhu Talaw , Asansol , Pin – 713303, 0341-2315179, 9332277661 BANGALORE HDFC Bank Ltd., Cash Management Services “Salco Centre” # 8/24, Richmond Road 560025, 8066633131 09343790037 BHAGALPUR Triveni Appartment, Dr. R. P Road ,Bhagalpur 812002, 9334391764 BHILWARA HDFC Bank Ltd., Wbo, Shop No. 1-2-3-4, “A” Block, First Floor, Sk Plaza, Pur Road Bhilwara (Raj.) 311001, 01482-512686, 9351302102 BHUBANESHWAR C111, Business Park, 1st Floor, Sahid Nagar 751007, 0674-2543486 / 9338182087 BIKANER HDFC Bank Ltd. Roshan Plaza, Rani Bazar, Bikaner 334001, 0151-5130042, 9314232073 BURDWAN 45 GT Road Burdwan-713101, 0342-2566355 / 9333744965 CALICUT HDFC Bank Ltd, Iii Floor, Simax Towers, Kannur Road, Nadakkave, Calicut 673011, 9349206616, 9388241847/ 0495- 4433154,155 CHANDIGARH SCO-189-190 Sector 17 C 160017, 0172-4603770-5088306/09316175094 CHENNAI No. 115, Dr. Radhakrishnan Salai, 2nd Floor, Opp. To Csi Kalyani Hospital, Mylapore, Chennai – 600004, 9381750927 CUTTACK HDFC Bank Ltd, Holding No 32, 32/A Bajrakabati Road, Cuttack, Orissa 753001, 0671-2332744 / 9338016590 DAVANGERE #651 B H M Enclave, HM Road, Mandipet, Davangere 577001, 08192-232781/82 DHANBAD Sri Ram Plaza, 1st Floor, Bank More, Dhanbad 826 001, (0326) 2308831 DURGAPUR Balai Commercial Complex, 3rd Floor. Benachity, Nachan Road 713213, 0343-2588501/9330038188 ERODE No. 680, Lotus Enclave, Brough Road, Erode 638001, 0424-2261287 GORAKHPUR Wholesale Banking Operations, Shreenath Complex, 10, Park Road, Civil Lines, 273001, 0551-2205685/0551-3208666 / 9335086506 GWALIOR J K Plaza, Gast Ka Tazia, Lashkar 474001, 07514015007/9300788558 HISSAR 3 & 4 MC Area Red Square Market Railway Road Hisar 125000, 01662-241023 KAKINADA #20-1-46, Main Road, Opp Srmt 533 001, 844-2387666-555, 093911-3249 KANPUR 15/46, 1st Floor, Civil Lines, Kanpur 208001, 0512-3028933, 09369078559, 09336015983 KOLKATA Abhilasha - Ii, 6 Royd Street (2nd Floor) 700016, 22273761, 9331992557, 9331430891 MADURAI Sri Nithyakalyani Towers, No 34 Krishnarayan Tank Street, North Veli Street 625001, 0452 4246609, 4246609 / 9367156995 MUMBAI Ground Floor, Maneckji Wadia Building,Nanik Motwani Marg,Near Kala Ghoda, Opp Mumbai University, Fort Mumbai – 400001, 022-40801570 / 1528 / 1570 / 1560 MUZAFFARNAGAR First Floor, 53/4 Janshat Road, New Mandi 251001, 01131-2661333 / 9319065143 NAVSARI Gr Flr, Nandani Complex, Station Road 396445, 02637-280901, 9327568065 NELLORE 17/126, G.V.R. Enclave, G.T. Road, Nellore – 524001, 0861-6450852/0861-2327171 DELHI Fig-Ops 1st Floor, Kailash Bldg 110001, 011- 43174071 / 011- 43174072/011-43174073 PONDICHERRY T.S.No.6, 100ft Road, Ellaipillaichavady, 605005, 0413-2206575/9362845444 RAIPUR HDFC Bank Ltd, Chawla Towers, Near Bottle House, Shankar Nagar, Raipur, Chhattisgarh 492007, 0771-4003110/3112 RAJAHMUNDRY 46-17-20, 1st floor, Danavaipet, Rajahmundry 533103, 0883-2428691 / 0883-2428826, 9391132485 RAJKOT Shivalik - V , 3rd Floor, Gondal Road, Rajkot 360002, 0281-6536982/09377408494 RANCHI 56 Rohini Complex Circular Road Lalpur Ranchi 834001, 6512560522 SALEM HDFC Bank Ltd,5/241-F Rathan Arcade, Five Roads, Meyyanur, Salem-636004, 0427-2331604 SHILLONG Anders Mansion, Police Bazar, Shillong 793001, 3642506043 SOLAPUR HDFC Bank Ltd 8516/ 11 Murarji Peth,Sun Plaza Bldg, Lucky Chowk, Solapur – 413007, 0217-2320877 - 9325230208 SURENDRANAGAR Middle Point, A Wing, Nr : Milan Cenama, Main Road, Surendranagar, 363002, 9328208807/02752-650105 TIRUPATI HDFC Bank Ltd, 19-8-180,Krishna Arcade, Beside IBP Petrol Pump, Near Annamaiah Circle 517501, 9391132489/ 9347527320/ 8772220374 TRICHUR Third Floor, Suharsha Towers, Shornur Road, 680001, 0487-6452085/ 6452098 / 09387069206 TRICHY No.11 Pla Kanagu Towers, 11th Cross, Main Road, Thillainagar 620018, 0431-2742204 9364192987 UDUPI Panduranga Tower/ Diana Circle, Court Road, Udupi 576101, 0820-4294936/9343789969 VIJAYAWADA 40-1-48/2, 2nd Floor, Valluri Complex, M G Road 520010, 0866-6647400/9395153648 ICICI BANK LIMITED AHMEDABAD JMC House, Opp. Parimal Gardens, Opp Parimal Garden, Ambawadi, Ahmedabad 380006, (079) 66523717-719 Farookh bharucha BANGALORE ICICI Bank Towers, 1, Commissariat Road, Ground Floor, Bangalore 560025, 080 - 41296007 Kalyana Chakravarthy BELGAUM Shree Krishna Towers, #14, Khanapur Road, RPD Cross, Tilakwadi, Belgaum. 590006, 0831-2404203, 2404204, 2404205 Jyoti Murigeppa Bachari BHARUCH Blue Chip Complex, Sevashram Road, Panchbatti, Bharuch 392001, 02642 - 252451/ 52 / 53 Ravi Sharma CHENNAI 110, Prakash Presidium, Uthamar Gandhi Salai, (Nungambakkam High Road), Chennai, 600034, 044 - 28228003, 28220713, 28222461, 28222399, 28256359 Venkatesh Kotta ERNAKULAM (COCHIN) Emgee Square, M.G. Road, Ernakulam, Kochi 682035, 0484 - 4081222 Prakash S COIMBATORE Cheran Plaza, 1090, Trichy Road, Coimbatore 641018, 0422-4292102 / 4292115 Rupesh Rajagopal DEHRADUN ICICI Bank Ltd., NCR, Plaza,24, New Cantt Road, Hathibarkala, Dehradun, Uttaranchal 248001, 0135 – 2743664 / 0135-2743663 Abhay Shukla FARIDABAD ICICI Bank Ltd., Booth No. 104-105, District Centre, Sector 16, Faridabad- 121007, Haryana 121007, 0129-4091401-437 Amit Bhatnagar GUNTUR ICICI Bank Ltd., 5-82-2, PMG Complex, Lakshmipuram Main Road, Guntur 522002, Andra Pradesh, 0863 - 2233653 / 2252500 / 2234391 Jeevan Zachariah GURGAON ICICI Bank Ltd, SCO 18 & 19, HUDA Shopping Centre, Sector-14, Market Complex, Gurgaon – 122001, 0124 - 4267151-7 Gagandeep Singh Bedi GUWAHATI Ground Floor, Shanti Complex, G S Road, Bhangagarh, Guwahati. 781005, 0361 - 2452748, 2452743, 2450943, 2457782 Samrat Aich HUBLI Eureka Junction, Travellers Bungalow Road, Hubli 580029, 0836 - 4265212, 4265216, 4265223, 4265240, 4265229 Vaishali Mahishi JAIPUR C-99, Shreeji Towers, Subhash Marg, Near Ahimsa Circle, C Scheme, Jaipur 302001, 0141 - 5107444, 0141 - 2361992 Sharad Mehta JAMSHEDPUR Natraj Mansion, Main Road, Bistupur, Jamshedpur 831001, 0657-2422509 / 10 / 2425907 / 12 Ashwani Kumar KANPUR J.S Towers 208001, 0512-2331041,42,43,44,45 Amiq Khan KOLHAPUR Ground Floor, Vasant Plaza, Rajaram Road, Rajarampuri, Kolhapur 416001, 0231-2534292/3/4 Kishore Kumar KOLKATA 22, R N Mukherjee Road, Kolkata. 700001, 033 - 22428537 / 22100995 Renab Kumar Jha LUCKNOW ICICI Bank Ltd, Shalimar Tower, 31/54 M.G. Marg, Hazratganj, Lucknow -226001, 0522 - 2214246 /2214247 / 2214254 Anurag Srivastava MADURAI 33, North Chitrai Street, Madurai 625001, 0452 - 2628027/2628072 Ramesh M MUMBAI (CAPITAL MARKET DIV.) 30, Mumbai Samachar Marg 400001, 022-22627600 Roshan Tellis MYSORE 2950, Aishwarya Arcade, 9th Cross, Kalidasa Road, V.V. Mohalla, Mysore. 570002, 0821-2414006/ 2412222/ 2416888 Anil Kumar K NAGPUR Vishnu Vaibhav, 222, Palm Road, Civil Lines, Nagpur 440001, 0712 - 2540302 / 5614040 /2561983 /2540294 Ajit Parwate NEW DELHI 9A, Phelps Building, Inner Circle, Connaught Place, New Delhi, 110001, 011 -41517954-58 Deepali Chitnis NOIDA K-1, Senior Mall, Sector 18, NOIDA-201301, Uttar Pradesh 201301, (0120) - 4059801-75 Ravinder Negi PONDICHERRY 47, Mission Street, Pondicherry 605001, 0413-2332237/38/42 Gopalakrishnan Devasenathipathy PUNE A-Wing, Shangrila Gardens, Bund Garden Road, Pune 411001, 020 - 66270640 / 66270641 Salim Sakarlal Khimani RAJKOT Jai Hind Press annexe, Opp. Shardabaug, Babubhai Shah Marg, Rajkot 360001, 0281 - 2443973 / 74 / 75 / 76 Rajeev nair SALEM Swarnambigai Plaza, S. F. No. 6/5, Block no. 7, Ward-C, Omalur Main Road, Near Bus Stand, Salem 636009, 0427 - 2336635 / 36 / 39 Vasudevan B N R SURAT Anjan Shalaka, Lal Bungalow, Athwa Lines, Surat 395007, 0261-6452556,2258234/35 Mehernosh Kasad TRICHY New no - 58, West Bouleward Road, Trichy 620002, 0431 - 2702252 / 2704052 Prasanna kannappa VISAKHAPATNAM 47-14-18, Isnar Satyasri Complex, Main Road, Dwar DB BANK L M TED NDUS ND BANK L M TED MUTHOOT FINANCE LIMITED 3
- 4. IN THE NATUREOF 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 form Option III NCDs shall be redeemed at the Face Value thereof along with the interest accrued thereon, if payment. We may at our discretion redeem theNCDs without the requirement of surrendering of the NCD carefully and to satisfy themselves of the disclosures before making an application for subscription. Unless any, at the end of 60 months from the Deemed Date of Allotment. certificates by the holder(s) thereof. In case we decide to do so, the holders of NCDs need not submit the otherwise specified, all the terms used in this form have the same meaning as in the Prospectus. For a copy Option IV NCDs shall be redeemed at ` 2,000 per NCD, at the end of 66 months from the Deemed Date NCD certificates to us and the redemption proceeds would be paid to those NCD holders whose names of the Prospectus the applicant may request us and/or the Lead Managers. Further, investors are advised to of Allotment, with an effective yield of 13.43% per annum. stand in the register of NCD holders maintained by us on the Record Date fixed for the purpose of retain the copy of the Prospectus/Abridged Prospectus for their future reference. Please fill in the Form in If the date of interest payment falls on a Saturday, Sunday or a public holiday in Mumbai or any other redemption of NCDs. In such case, the NCD certificates would be deemed to have been cancelled. Also English using BLOCK letters. Investors should carefully choose the Option(s) they wish to apply for. Please payment centre notified in terms of the Negotiable Instruments Act, 1881, then interest as due and see the para “Payment on Redemption” given below. payable on such day, would be paid on the next working day. Payment of interest would be subject to the NCDs held in electronic form: No action is required on the part of NCD holder(s) at the time of refer to Terms of the Issue in the Prospectus for details. deduction as prescribed in the I.T. Act or any statutory modification or re-enactment thereof for the time redemption of NCDs. TERMS OF THE ISSUE being in force. 27. Payment on Redemption: The manner of payment of redemption is set out below: The NCDs being offered as part of the Issue are subject to the provisions of the Debt Regulations, the Act, Please note that in case the NCDs are transferred and/or transmitted in accordance with the provisions NCDs held in physical form: The payment on redemption of the NCDs will be made by way of the Memorandum and Articles of Association of our Company, the terms of the Prospectus, the Application of thisProspectus read with the provisions of the Articles of Association of our Company, the transferee cheque/pay order/ electronic modes. However, if our Company so requires, the aforementioned payment Forms, the terms and conditions of the Debenture Trust Agreement and the Debenture Trust Deed, other of such NCDs or the deceased holder of NCDs, as the case may be, shall be entitled to any interest which would only be made on the surrender of NCD certificate(s), duly discharged by the sole holder / all the joint- applicable statutory and/or regulatory requirements including those issued from time to time by SEBI/the may have accrued on the NCDs subject to such Transferee holding the NCDs on the Record Date. holders (signed on the reverse of the NCD certificate(s)). Despatch of cheques/pay order, etc. in respect Government of India/BSE, RBI, and/or other statutory/regulatory authorities relating to the offer, issue and As per clause (ix) of Section 193 of the I.T. Act, no tax is required to be withheld on any interest payable of such payment will be made on the Redemption Date or (if so requested by our Company in this regard) listing of securities and any other documents that may be executed in connection with the NCDs. on any security issued by a company, where such security is in dematerialized form and is listed on a within a period of 30 days from the date of receipt of the duly discharged NCD certificate. In case we decide 1. Ranking of NCDs : The NCDs would constitute direct and secured obligations of ours and shall rank recognized stock exchange in India in accordance with the Securities Contracts (Regulation) Act, 1956 (42 to do so, the redemption proceeds in the manner stated above would be paid on the Redemption Date pari passu inter se, and subject to any obligations under applicable statutory and/or regulatory requirements, of 1956) and the rules made thereunder. Accordingly, no tax will be deducted at source from the interest to those NCD holders whose names stand in the register of NCD holders maintained by us on the Record shall also, with regard to the amount invested, be secured by way of a first pari passu charge on the on listed NCDs held in the dematerialised form. Date fixed for the purpose of Redemption. Hence the transferees, if any, should ensure lodgement of the identified immovable property and first pari passu charge on current assets, book debts, loans and advances, However in case of NCDs held in physical form, as per the current provisions of the IT Act, tax will not be transfer documents with us at least 7 (seven) days prior to the Record Date. In case the transfer documents and receivables including gold loan receivables, both present and future. The NCDs comprising the deducted at source from interest payable on such NCDs held by the investor (in case of resident individual are not lodged with us at least 7 (seven) days prior to the Record Date and we dispatch the redemption present issue and all earlier issues of debentures outstanding in the books of the Company having NCD holders), if such interest does not exceed ` 2,500 in any financial year. If interest exceeds the proceeds to the transferor, claims in respect of the redemption proceeds should be settled amongst the corresponding assets as security, shall rank pari passu without preference of one over the other except that prescribed limit of ` 2,500 on account of interest on the NCDs, then the tax will be deducted at applicable parties inter se and no claim or action shall lie against us or the Registrars. Our liability to holder(s) towards priority for payment shall be as per applicable date of redemption. rate. However in case of NCD holders claiming non-deduction or lower deduction of tax at source, as the his/their rights including for payment or otherwise shall stand extinguished from the redemption in all 2. Debenture Redemption Reserve : Section 117C of the Act states that any company that intends case may be, the NCD holder should furnish either (a) a declaration (in duplicate) in the prescribed form events and when we dispatch the redemption amounts to the NCD holder(s). Further, we will not be liable to issue debentures must create a DRR to which adequate amounts shall be credited out of the profits of i.e. (i) Form 15H which can be given by individuals who are of the age of 60 years or more (ii) Form 15G to pay any interest, income or compensation of any kind from the date of redemption of the NCD(s). the company until the redemption of the debentures. For further details please refer to the Prospectus. which can be given by all applicants (other than companies, and firms), or (b) a certificate, from the NCDs held in electronic form: On the redemption date, redemption proceeds would be paid by 3. Face Value : The face value of each NCD shall be ` 1,000. Assessing Officer which can be obtained by all applicants (including companies and firms) by making an cheque /pay order / electronic mode to those NCD holders whose names appear on the list of beneficial 4. NCD holder not a Shareholder : The NCD holders will not be entitled to any of the rights and application in the prescribedform i.e. Form No.13. The aforesaid documents, as may be applicable, owners given by the Depositories to us. These names would be as per the Depositories’ records on the privileges available to the equity and/or preference shareholders of our Company. should be submitted at the office of the Registrar quoting the name of the sole/ first NCD holder, NCD Record Date fixed for the purpose of redemption. These NCDs will be simultaneously extinguished to the 5. Rights of NCD holders : The final rights of the NCD holders will be as per the terms of the folio number and the distinctive number(s) of the NCD held, atleast 7 (seven) days prior to the Record Date extent of the amount redeemed through appropriate debit corporate action upon redemption of the Prospectus and the Debenture Trust Deed to be executed between our Company and the Debenture to ensure non-deduction/lower deduction of tax at source from interest on the NCD. The investors need corresponding value of the NCDs. It may be noted that in the entire process mentioned above, no action Trustee. For further details please refer to the Prospectus. to submit Form 15H/ 15G/certificate in original from Assessing Officer for each financial year during the is required on the part of NCD holders. Our liability to NCD holder(s) towards his/their rights including for 6. Minimum Subscription : If our Company does not receive the minimum subscription of 75 % of currency of the NCD to ensure non-deduction or lower deduction of tax at source from interest on the NCD. payment / redemption in all events and when we dispatch the redemption amounts to the NCD holder(s). the Base Issue, i.e. ` 2,250 million, prior to allotment, the entire subscription shall be refunded to the B. Payment of Interest : For NCDs subscribed under Option I, Option II and Option III,the relevant Further, we will not be liable to pay any interest, income or compensation of any kind from the date of applicants within 30 days from the date of closure of the Issue. If there is delay in the refund of subscription interest will be paid on each anniversary of the Deemed Date of Allotment on the face value of NCD. For redemption of the NCD(s). by more than 8 days after our Company becomes liable to refund the subscription amount, our Company NCDs subscribed under Option IV, the interest will be paid cumulatively at the end of the Tenor. Amount 28. Redemption Date will pay interest for the delayed period, at rates prescribed under sub-sections (2) and (2A) of Section 73 of interest payable shall be rounded off to the nearest rupee. If the date of interest payment falls on a Option I NCDs will be redeemed at the expiry of 24 months from the Deemed Date of Allotment. of the Companies Act, 1956. Saturday, Sunday or a public holiday in Mumbai or any other payment centre notified in terms of the Option II NCDs will be redeemed at the expiry of 36 months from the Deemed Date of Allotment. 7. Market Lot & Trading Lot : Under Section 68B of the Act, the NCDs shall be allotted only in Negotiable Instruments Act, 1881, then interest as due and payable on such day, would be paid on the next working day. Payment of interest would be subject to the deduction as prescribed in the I.T. Act or Option III NCDs will be redeemed at the expiry of 60 months from the Deemed Date of Allotment dematerialized form. As per the Debt Regulations, the trading of the NCDs shall be in dematerialised form only. Since trading of the NCDs is in dematerialised form, the tradable lot is one NCD. any statutory modification or re-enactment thereof for the time being in force.The last interest payment Option IV NCDs will be redeemed at the expiry of 66 months from the Deemed Date of Allotment. Allotment in the Issue will be in electronic form in multiples of one NCD. For details of allotment refer for NCDs subscribed under Option I, Option II and Option III will be made at the time of redemption of 29. Right to Reissue NCD(s) to chapter titled “Issue Procedure”under the section titled “Issue Related Information” of the Prospectus. the NCD.Interest for each of the interest periods shall be calculated, on ‘actual/actual’ basis, on the face Subject to the provisions of the Act, where we have fully redeemed or repurchased any NCD(s), we shall 8. Nomination facility to NCD holder : In accordance with Section 109A of the Act, the sole NCD value of principal outstanding on the NCDs at the applicable Coupon Rate for each Categoryrounded off have and shall be deemed always to have had the right to keep such NCDs in effect without extinguishment holder or first NCD holder, along with other joint NCD holders (being individual(s)) may nominate any one to the nearest Rupee and same shall be paid annually. thereof, for the purpose of resale or reissue and in exercising such right, we shall have and be deemed person (being an individual) who, in the event of death of the sole holder or all the joint-holders, as the C. Payment of Interest to NCD Holders : Payment of Interest will be made to (i) in case of NCDs always to have had the power to resell or reissue such NCDs either by reselling or reissuing the same NCDs case may be, shall become entitled to the NCD. For further details please refer to the Prospectus. in dematerialised form, the persons who for the time being appear in theregister of beneficial owners of or by issuing other NCDs in their place. The aforementioned right includes the right to reissue original NCDs. 9. Jurisdiction : Exclusive jurisdiction for the purpose of the Issue is with the competent courts of the NCD as per the Depository as on the Record Date and (ii) in case of NCDs in physical form, the persons 30. Transfer/Transmission of NCD (s): For details please refer to the Prospectus. jurisdiction in Mumbai, India. whose names appear in the register of NCD holders (or to first holder in case of joint-holders) as on the 31. Joint-holders : Where two or more persons are holders of any NCD(s), they shall be deemed to 10. Application in the Issue : NCDs being issued through the Prospectus can be applied for in the Record Date. We may enter into an arrangement with one or more banks in one or more cities for direct hold the same as joint holders with benefits of survivorship subject to other provisions contained in the Articles. dematerialised form only through a valid Application Form filled in by the applicant along with attachment, credit of interest to the account of the investors. In such cases, interest, on the interest payment date, would 32. Security : The principal amount of the NCDs to be issued in terms of thisProspectus together with as applicable. be directly credited to the account of those investors who have given their bank mandate. We may offer all interest due on the NCDs, as well as all costs, charges, all fees, remuneration of Debenture Trustee 11. Period of Subscription : The subscription list shall remain open for a period as indicated below, the facility of NECS, NEFT, RTGS, Direct Credit and any other method permitted by RBI and SEBI from and expenses payable in respect thereof shall be secured by way of First pari passu charge on the identified with an option for early closure or extension by such period up to a period of 30 days from date of opening time to time to help NCD holders.The terms of this facility (including towns where this facility would be immovable property and a first pari passu charge on current assets, book debts, loans and advances, and of the Issue, as may be decided by the duly authorised committee of the Board constituted by resolution available) would be as prescribed by RBI. Refer to the paragraph on “Manner of Payment of Interest / receivables including gold loan receivables, both present and future of the Company. Our Company will of the Board dated July 25, 2011, subject to necessary approvals. In the event of such early closure of Refund / Redemption” of the Prospectus. Tax exemption certificate/document, if any, must be lodged at maintain security in favour of the Debenture Trustee for the NCD holders on the assets to ensure 100% subscription list of the Issue, our Company shall ensure that notice of such early closure is given on or the office of the Registrar at least 7(seven) days prior to the Record Date or as specifically required, failing security cover of the amount outstanding in respect of NCDs at any time. Our Company intends to enter before the day of such early date of closure through advertisement/s in a leading national daily newspaper. which tax applicable on interest will be deducted at source on accrual thereof in our Company’s books and/ into an agreement with the Debenture Trustee, (‘Debenture Trust Deed’), the terms of which will or on payment thereof, in accordance with the provisions of the IT Act and/or any other statutory modification, govern the appointment of the Debenture Trustee and the issue of the NCDs. Our Company proposes to ISSUE OPENS ON DECEMBER 22, 2011 enactment or notification as the case may be. A tax deduction certificate will be issued for the amount of complete the execution of the Debenture Trust Deed during the subscription period after the minimum ISSUE CLOSES ON JANUARY 07, 2012 tax so deducted. subscription for the Issue has been achieved and utilize the funds only after the stipulated security has 12. Restriction on transfer of NCDs : There are no restrictions on transfers and transmission of 16. Maturity and Redemption : For NCDs subscribed under Option I, Option II and Option III,the been created. Under the terms of the Debenture Trust Deed, our Company will covenant with the Debenture NCDs and on their consolidation/ splitting except as may be required under RBI requirements and as relevant interest will be paid on each anniversary of the Deemed Date of Allotment on the face value of Trustee that it will pay the NCD holders the principal amount on the NCDs on the relevant redemption date provided in our Articles of Association. Please refer to the section titled “Summary of the Key Provisions NCD. The last interest payment will be made at the time of redemption of the NCD.For NCDs subscribed and also that it will pay the interest due on NCDs on the rate specified in the Prospectus and in the of the Articles of Association” of the Prospectus. under Option IV, the interest will be paid cumulatively at the end of the Tenor. Debenture Trust Deed. The Debenture Trust Deed will also provide that our Company may withdraw any ISSUE STRUCTURE Options At the end of maturity period portion of the security and replace with another asset of the same or a higher value. 13. Public Issue of NCDs aggregating upto ` 3,000 million with an option to retain I 24 months from the Deemed Date of Allotment 33. Trustees for the NCD holders : We have appointed IDBI Trusteeship Services Limited to act over-subscription upto ` 3,000 million for issuance of additional NCDs aggregating II 36 months from the Deemed Date of Allotment as the Debenture Trustees for the NCD holders.We and the Debenture Trustee will execute a Debenture to a total of upto ` 6,000 million. The key common terms and conditions of the NCDs are as III 60 months from the Deemed Date of Allotment Trust Deed, inter alia, specifying the powers, authorities and obligations of the Debenture Trustee and follows:Particulars, Terms and Conditions - Minimum Application Size - ` 5,000 (5 NCDs) us. The NCD holder(s) shall, without further act or deed, be deemed to have irrevocably given their consent (for all options of NCDs, namely Options I, Option II, Option III, and Option IV either taken individually IV 66 months from the Deemed Date of Allotment to the Debenture Trustee or any of its agents or authorised officials to do all such acts, deeds, matters and or collectively), Mode of allotment Compulsorily in dematerialised form, Terms of Payment Full 17. Deemed Date of Allotment : Deemed date of allotment shall be the date as decided by the duly things in respect of or relating to the NCDs as the Debenture Trustee may in its absolute discretion deem amount on application, Trading Lot - 1 (one) NCD, Who can Apply - Category I• Public Financial authorised committee of the Board of Directors constituted by resolution of the Board datedJuly 25, 2011, necessary or require to be done in the interest of the NCD holder(s). Any payment made by us to the Institutions, Statutory Corporations, Commercial Banks, Co-operative Banks and Regional Rural Banks, under Section 292(1)(b) of the Act and as mentioned in the Allotment advice / regret. Debenture Trustee on behalf of the NCD holder(s) shall discharge us pro tanto to the NCD holder(s). which are authorised to invest in the NCDs;• Provident Funds, Pension Funds, Superannuation Funds and 18. Application Size : Each application should be for a minimum of 5 NCDs and multiples of 1 NCD The Debenture Trustee will protect the interest of the NCD holders in the event of default by us in regard Gratuity Fund, which are authorised to invest in the NCDs;• Venture Capital funds registered with SEBI;• thereof. The minimum application size for each application for NCDs would be ` 5,000 and in multiples to timely payment of interest and repayment of principal and they will take necessary action at our cost. Insurance Companies registered with the IRDA;• National Investment Fund; and• Mutual Funds;Category of ` 1,000 thereafter. Applicants can apply for any or all options of NCDs offered hereunder (any/all 34. Lien : The Company shall have the right of set-off and lien, present as well as future on the moneys II• Companies; bodies corporate and societies registered under the applicable laws in India and authorised options) using the same Application Form. due and payable to the NCD holder or deposits held in the account of the NCD holder, whether in single to invest in the NCDs;• Public/private charitable/religious trusts which are authorised to invest in the Applicants are advised to ensure that applications made by them do not exceed the name or joint name, to the extent of all outstanding dues by the NCD holder to the Company. NCDs;• Scientific and/or industrial research organisations, which are authorised to invest in the NCDs; • investment limits or maximum number of NCDs that can be held by them under 35. Lien on pledge of NCDs : The Company, at its discretion, may note a lien on pledge of NCDs Partnership firms in the name of the partners; and • Limited liability partnerships formed and registered applicable statutory and or regulatory provisions. if such pledge of NCD is accepted by any bank/institution for any loan provided to the NCD holder against under the provisions of the Limited Liability Partnership Act, 2008 (No. 6 of 2009)• Resident Indian 19. Terms of Payment : The entire issue price of ` 1,000 per NCD is payable on application itself. pledge of such NCDs as part of the funding. individuals and Hindu Undivided Families through the Karta applying for NCDs aggregating to a value In case of allotment of lesser number of NCDs than the number of NCDs applied for, our Company shall 36. Interest on Application Money exceeding ` 500,000, across all series of NCDs, (Option I and/or Option II and/or Option III and/or Option refund the excess amount paid on application to the applicant in accordance with the terms of the Interest on application monies received which are used towards allotment of NCDs IV)Category IIIResident Indian individuals and Hindu Undivided Families through the Karta applying Prospectus. For further details please refer to the paragraph on “Interest on Application Money” of the Our Company shall pay interest on application money on the amount allotted, subject to deduction of for NCDs aggregating to a value not more than ` 500,000, across all series of NCDs, (Option I and/or Prospectus. income tax under the provisions of the Income Tax Act, 1961, as amended, as applicable, to any applicants Option II and/or Option III and/or Option IV) Participation by any of the above-mentioned 20. Record Date : The Record Date for payment of interest in connection with the NCDs or repayment to whom NCDs are allotted pursuant to the Issue from the date of realization of the cheque(s)/demand investor classes in this Issue will be subject to applicable statutory and/or regulatory of principal in connection therewith shall be 15 (fifteen) days prior to the date on which interest is due and draft(s) or after 3 (three) days from the date of receipt of the application (being the date of presentation requirements. Applicants are advised to ensure that applications made by them do payable, and/or the date of redemption.Provided that trading in the NCDs shall remain suspended of each application as acknowledged by the Bankers to the Issue) whichever is later and upto one day prior not exceed the investment limits or maximum number of NCDs that can be held by between the aforementioned record date in connection with redemption of NCDs and the date of redemption to the Deemed Date of Allotment, at the rate of 8% p.a. Our Company has a right to pre-close the Issue them under applicable statutory and/or regulatory provisions. In case of Application Form or as prescribed by the relevant stock exchange(s), as the case may be. at anytime up to 1 (one) day prior to Issue closing datefor receiving subscription in the Issue. Our Company being submitted in joint names, the applicants should ensure that the de-mat account is also held in the 21. Manner of Payment of Interest / Refund / Redemption : The manner of payment of shall in the event of such closing of the Issue, subject to receipt of a minimum subscription of 75 % of the same joint names, and the names are in the same sequence in which they appear in the Application Form. interest / refund / redemption in connection with the NCDs is set out below: Base Issue, i.e. ` 2,250 million, allot NCDs to all applicants who have applied for NCDs upto the date Applicants are advised to ensure that they have obtained the necessary statutory For NCDs applied / held in electronic form : The bank details will be obtained from the Depositories of such early closure of Issue. Further our Company shall pay interest on application money on the amount and/or regulatory permissions/consents/approvals in connection with applying for, for payment of Interest / refund / redemption as the case may be. Applicants who have applied for or are allotted, subject to deduction of income tax under the provisions of the Income Tax Act, 1961, as amended, subscribing to, or seeking allotment of NCDs pursuant to the Issue. For further details, holding the NCDs in electronic form, are advised to immediately update their bank account details as as applicable, to any applicants to whom NCDs are allotted pursuant to the Issue from the date of please see section “Issue Procedure” of the Prospectus. appearing on the records of the depository participant. Please note that failure to do so could result in realization of the cheque(s)/demand draft(s) or after 3 (three) days from the date of receipt of the application TERMS AND CONDITIONS IN CONNECTION WITH THE NCDs delays in credit of refunds to the applicant at the applicant’s sole risk, and neither the Lead Managers, (being the date of presentation of each application as acknowledged by the Bankers to the Issue) whichever 14. Common Terms of NCDs Co-Lead Managers, our Company nor the Registrar to the Issue shall have any responsibility and undertake is later and upto one day prior to the Deemed Date of Allotment, at the rate of 8% p.a.However, it is Stock Exchange proposed for listing of the NCDs : BSE, Issuance and Trading : any liability for the same. clarified that in the event that our Company does not receive a minimum subscription of 75 % of the Base Compulsorily in dematerialised form, Trading Lot : 1 (one) NCD, Depositories : NSDL and CDSL, For NCDs held in physical form : The bank details will be obtained from the Registrar to the Issue Issue, i.e. ` 2,250 million our Company will not allot any NCDs to applicants and refund the subscription Security : Security for the purpose of this Issue will be created in accordance with the terms of the amounts forthwith, as set out herein. The interest on application monies will be sent along with the Debenture Trust Deed. For further details please refer to the section titled “Issue Structure” of the Prospectus. for payment of interest / refund / redemption as the case may be. 22. Printing of Bank Particulars on Interest Warrants : As a matter of precaution against Allotment Advice to all applicants to whom NCDs are allotted pursuant to the Issue.Our Company may Issue Schedule* The Issue shall be open from December 22, 2011to January 07, 2012 with an option enter into an arrangement with one or more banks in one or more cities for direct credit of interest to the to close earlier and/or extend upto a period as may be determined by a duly authorised committee of the possible fraudulent encashment of refund orders and interest/redemption warrants due to loss or misplacement, the particulars of the applicant’s bank account are mandatorily required to be given for account of the applicants. Alternatively, the interest warrant will be dispatched along with the Letter(s) of Boardconstituted by resolution of the Board dated July 25, 2011. Pay-in date : 3 (Three) Business Days Allotment at the sole risk of the applicant, to the sole/first applicant. from the date of reciept of application or the date of realisation of the cheques/demand drafts, whichever printing on the orders/ warrants. In relation to NCDs applied and held in dematerialized form, these particulars would be taken directly from the depositories. In case of NCDs held in physical form either on Interest on application monies received which are liable to be refunded : Our Company is later. Deemed Date of Allotment : Deemed date of allotment shall be the date as decided by the shall pay interest on application money which is liable to be refunded to the applicants in accordance with duly authorised committee of the Board constituted by resolution of the Board dated July 25, 2011, and account of rematerialisation or transfer, the investors are advised to submit their bank account details with as mentioned on the Allotment Advice / regret. Day count basis : Actual/Actual our Company / Registrar at least 7 (seven) days prior to the Record Date failing which the orders / warrants the provisions of the Debt Regulations and/or the Companies Act, or other applicable statutory and/or 15. Interest and Payment of Interest will be dispatched to the postal address of the holder of the NCD as available in the records of our regulatory requirements, subject to deduction of income tax under the provisions of the Income Tax Act, A. Interest : In case of Option I NCDs, interest would be paid annually at the following Coupon Rate Company. Bank account particulars will be printed on the orders/ warrants which can then be deposited 1961, as amended, as applicable, from the date of realization of the cheque(s)/demand draft(s) or after in connection with the relevant categories of NCD holders, on the amount outstanding from time to time, only in the account specified. 3 (three) days from the date of receipt of the application (being the date of presentation of each application commencing from the Deemed Date of Allotment of each Option I NCD: 23. Loan against NCDs : Our Company, at its sole discretion, subject to applicable statutory and/or as acknowledged by the Bankers to the Issue) whichever is later and upto one day prior to the Deemed Category of NCD Holder Coupon Rate (%) per annum regulatory requirements, may consider granting of a loan facility to the holders of NCDs against the security Date of Allotment, at the rate of 8%per annum. Such interest shall be paid along with the monies liable of such NCDs. Such loans shall be subject to the terms and conditions as may be decided by our Company to be refunded. Interest warrant will be dispatched / credited (in case of electronic payment) along with Category I 13.00 from time to time. the Letter(s) of Refund at the sole risk of the applicant, to the sole/first applicant. In the event our Company Category II 13.00 24. Buy Back of NCDs : Our Company may, at its sole discretion, from time to time, consider, subject does not receive a minimum subscription of 75 % of the Base Issue, i.e. ` 2,250million on the date of Category III 13.00 to applicable statutory and/or regulatory requirements, buyback of NCDs, upon such terms and conditions closure of the Issue, our Company shall pay interest on application money which is liable to be refunded as may be decided by our Company. to the applicants in accordance with the provisions of the Debt Regulations and/or the Companies Act, Option I NCDs shall be redeemed at the Face Value thereof along with the interest accrued thereon, if 25. Form and Denomination : In case of NCDs held in physical form, a single certificate will be issued or other applicable statutory and/or regulatory requirements, subject to deduction of income tax under the any, at the end of 24 months from the Deemed Date of Allotment. to the NCD holder for the aggregate amount (“Consolidated Certificate”) for each type of NCDs. The provisions of the Income Tax Act, 1961, as amended, as applicable, from the date of realization of the In case of Option II NCDs, interest would be paid annually at the following Coupon Rate in connection applicant can also request for the issue of NCD certificates in denomination of one NCD (“Market Lot”). cheque(s)/demand draft(s) or 3 (three) days from the date of receipt of the application (being the date of with the relevant categories of NCD holders, on the amount outstanding from time to time, commencing presentation of each application to the Bankers to the Issue as acknowledgedor the date of receipt of from the Deemed Date of Allotment of each Option II NCD: It is however distinctly to be understood that the NCDs pursuant to this issue shall be issued only in demat form and Option IV NCDs can be held only in demat form for the tenor of the NCD. In respect of Consolidated application by the Registrar to the Issue, as the case may be) whichever is later and upto the date of closure Category of NCD Holder Coupon Rate (%) per annum Certificates, we will, only upon receipt of a request from the NCD holder, split such Consolidated Certificates of the Issueat the rate of 8% per annum. Such interest shall be paid along with the monies liable to be Category I 13.25 into smaller denominations subject to the minimum of Market Lot. No fees would be charged for splitting refunded. Provided that, notwithstanding anything contained hereinabove, our Company shall not be Category II 13.25 of NCD certificates in Market Lots, but stamp duty payable, if any, would be borne by the NCD holder. The liable to pay any interest on monies liable to be refunded in case of (a) invalid applications or applications Category III 13.25 request for splitting should be accompanied by the original NCD certificate which would then be treated liable to be rejected, and/or (b) applications which are withdrawn by the applicant. Please refer to as cancelled by us. “Rejection of Application” of the Prospectus. Option II NCDs shall be redeemed at the Face Value thereof along with the interest accrued thereon, if 26. Procedure for Redemption by NCD holders : The procedure for redemption is set out below: ISSUE PROCEDURE any, at the end of 36 months from the Deemed Date of Allotment. NCDs held in physical form: No action would ordinarily be required on the part of the NCD holder 37. How to Apply? - i. Availability of Prospectus and Application Forms : The abridged In case of Option III NCDs, interest would be paid annually at the following Coupon Rate in connection at the time of redemption and the redemption proceeds would be paid to those NCD holders whose names Prospectus containing the salient features of the Prospectus together with Application Forms and copies with the relevant categories of NCD holders, on the amount outstanding from time to time, commencing stand in the register of NCD holders maintained by us on the Record Date fixed for the purpose of of the Prospectus may be obtained from our Registered Office, Lead Manager(s)/Co-Lead Managers to from the Deemed Date of Allotment of each Option III NCD: Redemption.However, our Company may require that the NCD certificate(s), duly discharged by the sole the Issue, and the Registrar to the Issue, as mentioned on the Application Form. In addition, Application Category of NCD Holder Coupon Rate (%) per annum holder/all the joint-holders (signed on the reverse of the NCD certificate(s)) be surrendered for redemption Forms would also be made available to the BSE Limitedwhere listing of the NCDs are sought and to Category I 13.25 on maturity and should be sent by the NCD holder(s) by Registered Post with acknowledgment due or by brokers, on their request. We may provide Application Forms for being filled and downloaded at such Category II 13.25 hand delivery to our office or to such persons at such addresses as may be notified by us from time to time. websites as we may deem fit. ii. Who can Apply : The following categories of persons are eligible to Category III 13.25 NCD holder(s) may be requested to surrender the NCD certificate(s) in the manner as stated above, not apply in the Issue: Category I • Public Financial Institutions, Statutory Corporations, Commercial more than three months and not less than one month prior to the redemption date so as to facilitate timely Banks, Co-operative Banks and Regional Rural Banks, which are authorised to invest in the NCDs; • 4 MUTHOOT FINANCE LIMITED
- 5. IN THE NATUREOF FORM 2A - MEMORANDUM CONTAINING SALIENT FEATURES OF THE PROSPECTUS Provident Funds, Pension Funds, Superannuation Funds and Gratuity Fund, which are authorised to Depository Participant’s (DP) name, Depository Participants identification number and beneficiary account related problems such as non-receipt of Allotment Advice / credit of NCDs in depository’s beneficiary invest in the NCDs; • Venture Capital funds registered with SEBI; • Insurance Companies registered with number provided by them in the Application Form, the Registrar to the Issue will obtain from the applicant’s account / refund orders, etc., applicants may contact the Compliance Officer of our Company/Lead Manager/ the IRDA; • National Investment Fund; and • Mutual Funds. Category II • Companies; bodies corporate DP account, the applicant’s bank account details. The investors are advised to ensure that bank account Co-Lead Manager or Registrar to the Issue. and societies registered under the applicable laws in India and authorised to invest in the NCDs; • Public/ details are updated in their respective DP Accounts as these bank account details would be used for 46. Rejection of Application : The Board of Directors and/or any committee of our Company private charitable/religious trusts which are authorised to invest in the NCDs; • Scientific and/or industrial making payment of Interest on Application Money, Interest on Refund, interest on NCDs at the respective reserves its full, unqualified and absolute right to accept or reject any application in whole or in part and research organisations, which are authorised to invest in the NCDs; • Partnership firms in the name of the Coupon Rates, principal amount on redemption and shall also be printed on the refund order(s), if any. in either case without assigning any reason thereof. Application may be rejected on one or more technical partners; • Limited Liability Partnerships formed and registered under the provisions of the Limited Please note that failure to do so could result in delays in credit of refunds interest or principal to applicants grounds, including but not restricted to: • Applications not duly signed by the sole/joint applicants (in the Liability Partnership Act, 2008 (No. 6 of 2009); and • Resident Indian individuals and Hindu Undivided at the applicant’s sole risk and neither the Lead Managers,the Co-Lead Managers, our Company, the same sequence as they appear in the records of the depository); • Amount paid doesn’t tally with the Families through the Karta applying for NCDs aggregating to a value exceeding ` 500,000, across all Refund Banker, nor the Registrar to the Issue shall have any responsibility and undertake any liability for amount payable for the NCDs applied for; • Age of First applicant not given; • Application by persons not series of NCDs, (Option I and/or Option II and/or Option III and/or Option IV). Category III Resident the same. competent to contract under the Indian Contract Act, 1872 including minors (without the name of guardian) Indian individuals and Hindu Undivided Families through the Karta applying for NCDs aggregating to a D. Applications under Power of Attorney by limited companies, corporate bodies, and insane persons; • PAN not mentioned in the Application Form; • GIR number furnished instead of value not more than ` 500,000 across all series of NCDs, (Option I and/or Option II and/or Option III and/ registered societies etc. : In case of Applications made pursuant to a power of attorney by limited PAN; • Applications for amounts greater than the maximum permissible amounts prescribed by applicable or Option IV). Participation of any of the aforementioned categories of persons or entities is subject to the companies, corporate bodies, registered societies etc, a certified copy of the power of attorney or the regulations; • Applications by persons/entities who have been debarred from accessing the capital markets applicable statutory and/or regulatory requirements in connection with the subscription to Indian securities relevant resolution or authority, as the case may be, along with a certified copy of the Memorandum of by SEBI; • Applications by any persons outside India; • Any application for an amount below the minimum by such categories of persons or entities. Association and Articles of Association and/or bye laws must be lodged along with the Application Form, application size; • Application for number of NCDs, which are not in multiples of one; • Category not ticked; Applicants are advised to ensure that applications made by them do not exceed the failing this, our Company reserves the right to accept or reject any Application in whole or in part, in either • Application under power of attorney by limited companies, corporate, trust etc., where relevant documents investment limits or maximum number of NCDs that can be held by them under case, without assigning any reason therefor. are not submitted; • Application Form does not have applicant’s depository account details; • Applications applicable statutory and or regulatory provisions. Applicants are advised to ensure E. Permanent Account Number : The applicant or in the case of applications made in joint names, accompanied by Stockinvest/money order/postal order; • Signature of sole and/ or joint applicant(s) that they have obtained the necessary statutory and/or regulatory permissions/ each of the applicant, should mention his or her Permanent Account Number (PAN) allotted under the missing; • Application Forms not delivered by the applicant within the time prescribed as per the Application consents/approvals in connection with applying for, subscribing to, or seeking IT Act. In accordancewith Circular No. MRD/DOP/Cir-05/2007 dated April 27, 2007 issued by SEBI, the Form and the Prospectus and as per the instructions in the Prospectus and the Application Form; or • In allotment of NCDs pursuant to the Issue. The Lead Managers, the Co-Lead Managers, and their PAN would be the sole identification number for the participants transacting in the securities market, case the subscription amount is paid in cash. • In case no corresponding record is available with the respective associates and affiliates are permitted to subscribe in the Issue. The information below is given irrespective of the amount of transaction. Any Application Form, without the PAN is liable to be rejected, Depositories that matches three parameters namely, names of the applicant, the Depository Participant’s for the benefit of the investors. Our Company,the Lead Managers, and the Co-Lead Managers are not irrespective of the amount of transaction. It is to be specifically noted that the applicants should not submit the GIR number instead of the PAN as the Application is liable to be rejected on this ground. Identity and the beneficiary’s account number. • Application Form accompanied with more than one liable for any amendment or modification or changes in applicable laws or regulations, which may occur cheque. • Institutional Investor Applications not procured by the Lead Managers, the Co-Lead Managersor after the date of the Prospectus. Investors are advised to ensure that the aggregate number of NCDs F. Terms of Payment : The entire issue price for the NCDs is payable on application only. In case of allotment of lesser number of NCDs than the number applied, our Company shall refund the excess their respective affiliates. For further instructions regarding application for the NCDs, investors are requested applied for does not exceed the investment limits or maximum number of NCDs that can be held by them to read the Application Form under applicable law. amount paid on application to the applicant. G. Payment Instructions for Applicants : • In pursuance of Debt Regulations, we shall open 47. Allotment Advice / Refund Orders : The unutilised portion of the application money will be Applications by Mutual Funds, Scheduled Banks, Co-operative Banks and Regional refunded to the applicant by an A/c Payee cheque/demand draft. In case the at par facility is not available, Rural Banks, Insurance Companies and Trusts: For details please refer to the Prospectus. Escrow Account with the Escrow Collection Banks(s) for the collection of the application amount payable upon submission of the Application Form. • Payment may be made by way of cheque/bank draft drawn our Company reserves the right to adopt any other suitable mode of payment. The Company shall credit iii. Applications cannot be made by: (a) Minors without a guardian name; (b) Foreign nationals; the allotted NCDs to the respective beneficiary accounts/despatch the Letter(s) of Allotment or Letter(s) (c) Persons resident outside India; (d) Foreign Institutional Investors; (e) Non Resident Indians; and (f) on any bank, including a co-operative bank which is situated at and is member or sub-member of the Bankers’ clearing-house located at the place where the Application Form is submitted, i.e. at designated of Regret/Refund Orders by Registered Post/Speed Post at the applicant’s sole risk, within 30 days from Overseas Corporate Bodies the date of closure of the Issue. We may enter into an arrangement with one or more banks in one or more 38. Escrow Mechanism : We shall open Escrow Accounts with one or more Escrow Collection collection centres. Outstation cheques /bank drafts drawn on banks not participating in the clearing process Bank(s) in whose favour the applicants shall make out the cheque or demand draft in respect of their will not be accepted and applications accompanied by such cheques or bank drafts are liable to be cities for refund to the account of the applicants through Direct Credit/RTGS/NEFT. Further, (a) Allotment application. Cheques or demand drafts for the application amount received from applicants would be rejected. Payment though stockinvest would also not be allowed as the same has been discontinued by of NCDs offered to the public shall be made within a time period of 30 days from the date of closure of deposited in the respective Escrow Account. Upon creation of security as disclosed in the Prospectus, the the RBI vide notification No. DBOD.NO.FSC.BC. 42/24.47.001/2003-04 dated November 5, 2003. Cash/ the Issue; (b) Credit to de-mat account will be given within 2 working days from the Deemed Date of Escrow Collection Bank(s) shall transfer the monies from the Escrow Accounts to a separate bank account Stockinvest/Money Orders/Postal Orders will not be accepted. In case payment is effected in contravention Allotment; (c) Interest at a rate of 15% per cent per annum will be paid if the allotment has not been made as per the terms of the Escrow Agreement, (“Public Issue Account”). Payments of refund to the of conditions mentioned herein, the application is liable to be rejected and application money will be and/or the Refund Orders have not been dispatched to the applicants within 30 days from the date of the applicants shall also be made from the Escrow Accounts/refund account(s) as per the terms of the Escrow refunded and no interest will be paid thereon. A separate cheque / bank draft must accompany each closure of the Issue, for the delay beyond 30 days; and (d) The Company will provide adequate funds to Agreement and the Prospectus.The Escrow Collection Bank(s) will act in terms of the Prospectus and the Application Form. • All Application Forms received with outstation cheques, post dated cheques, cheques the Registrars to the Issue, for this purpose. Escrow Agreement. The Escrow Collection Bank(s) shall not exercise any lien whatsoever over the monies / bank drafts drawn on banks not participating in the clearing process, Money orders/postal orders, cash, 48. Retention of oversubscription : The Company is making a public Issue of NCDs aggregating deposited therein. In terms of Debt Regulations, it is mandatory for our Company to keep the proceeds stockinvest shall be rejected and the collecting bank shall not be responsible for such rejections. • All upto ` 3,000 million with an option to retain oversubscription of NCDs up to ` 3,000 million. of the Issue in an escrow account until the documents for creation of security as stated in the Prospectus cheques / bank drafts accompanying the application should be crossed “A/c Payee only” and (a) all 49. Basis of Allotment : Basis of Allotment for NCDs : (a) Allotments in the first instance: (i) are executed. cheques / bank drafts accompanying the applications made by eligible applicants must be made payable During the Issue Period, for each category, all applications received on the same day by the Bankers to 39. Filing of the Prospectus with ROC : A copy of the Prospectus has been filed with the Registrar to “Escrow Account Muthoot Finance NCD Public Issue”. • The Escrow Collection Bank(s) shall transfer the the Issue would be treated at par with each other. (ii) Applicants will be allocated NCDs on first come first of Companies, Kerala and Lakshadweep, in terms of section 56 and section 60 of the Act. funds from the Escrow Account, as per the terms of the Escrow Agreement, into a public issue account after serve basis (determined on the basis of date of receipt ofeach application duly acknowledged by the 40. Pre-Issue Advertisement : Our Company will issue a statutory advertisement on or before the the creation of security as disclosed in the Prospectus. • Only Category I applicants have an option to make Bankers to the Issue); (iii) Applicants belonging to Category I will be allocated up to 20% of the Issue size, Issue Opening Date. This advertisement will contain the information as prescribed under Debt Regulations. payments on applications through RTGS. applicants belonging to Category II will be allocated NCDs upto 40% of Issue size and Applicants Material updates, if any, between the date of filing of the Prospectus with ROC and the date of release 43. Submission of Completed Application Forms : • All applications duly completed and belonging to Category III, will be allocated NCDs upto 40% of Issue size on first come first serve basis accompanied by account payee cheques / drafts shall be submitted at the branches of the Bankers to the (determined on the basis of date of receipt ofeach application duly acknowledged by the Bankers to the of this statutory advertisement will be included in the statutory advertisement. Issue (listed in the Application Form) or our Collection Centre(s)/ agent(s) as may be specified by us before 41. General Instructions Issue); and (iv)All applications in a particular category shall be clubbed together. Allotments, in consultation the closure of the Issue. Our collection centre/ agent however, will not accept payments made in cash. with the Designated Stock Exchange, shall be made on a first-come first-serve basis, based on the date Do’s • Check if you are eligible to apply; • Read all the instructions carefully and complete the Application However, Application Forms duly completed together with cheque/bank draft drawn on/payable at a local Form; • Ensure that the details about Depository Participant and Beneficiary Account are correct as of presentation of each application to the Bankers to the Issue, in each Category subject to the allocation bank in Mumbai for the amount payable on application may also be sent by Registered Post to the ratio indicated at 14(a)(iii)above. (b) Under Subscription:If there is any under subscription in any category, allotment of NCDs will be in the dematerialized form only; • Ensure that you mention your PAN allotted Registrar to the Issue, so as to reach the Registrar prior to closure of the Issue. Applicants at centres not under the IT Act; • Ensure that the Demographic Details (as defined herein below) are updated, true and priority in allotments will be given to the Category III, and balance, if any, shall be first made to applicants covered by the branches of collecting banks can send their Application Forms together with cheque / draft of Category II, and thereafter Category I on a first come first serve basis, on proportionate basis. (c) For correct in all respects; and • Ensure that you have obtained all necessary approvals from the relevant drawn on / payable at a local bank in Mumbai to the Registrar to the Issue by registered post.For the statutory and/or regulatory authorities to apply for, subscribe to and/or seek allotment of NCDs pursuant each Category, all applications received on the same day by the Bankers to the Issue would be treated purposes of the basis of allotment, the date on which the cheque is received by the Registrar pursuant to at par with each other. (d) Minimum allotments of 1 NCD and in multiples of 1 NCD thereafter would be to the Issue; • In case of an HUF applying through its Karta, the Applicant is required to specify the name an Application, shall be deemed to be the date on which the Application was made.All completed of an Applicant in the Application Form as ‘XYZ Hindu Undivided Family applying through PQR’, where Application Forms must reach the Registrar at the earlier of (a) the date on which the Issue is oversubscribed, made in case of each valid application to all applicants. (e) Allotments in case of oversubscription: In case PQR is the name of the Karta; • Ensure that the Applications are submitted to the Bankers to the Issue and (b) the Issue Closing Date, to be considered for allocation. • No separate receipts shall be issued for of an oversubscription, allotments to the maximum extent, as possible, will be made on a first-come first- before the closure of banking hours on the Issue Closing Date. Don’ts: • Do not apply for lower than the the application money. However, Bankers to the Issue at their designated branches/our Collection Centre(s)/ serve basis and thereafter on proportionate basis, in each category, i.e. full allotment of NCDs to the minimum applicationsize; • Do not pay the application amount in cash; • Do not fill up the Application agent(s) receiving the duly completed Application Forms will acknowledge the receipt of the applications applicants on a first come first basis up to the date falling 1 (one) day prior to the date of oversubscription Form such that the NCDs applied for exceeds the issue size and/or investment limit or maximum number by stamping and returning the acknowledgment slip to the applicant. • Applications shall be deemed to in the respective category, and Proportionate Allotment of NCDs to the applicants on the date of of NCDs that can be held under the applicable laws or regulations or maximum amount permissible under have been received by us only when submitted to Bankers to the Issue at their designated branches or at oversubscription in the respective category (based on the date of presentation of each application to the the applicable regulations; and • Do not submit application accompanied with Stockinvest. our Collection Centre/ agent or on receipt by the Registrar as detailed above and not otherwise. • All Bankers to the Issue, in each Category). (f) Proportionate Allotments:For each Category, on the date of 42. Instructions for completing the Application Form applications by persons or entities belonging to Category I should be made in the oversubscription: (i) Allotments to the applicants shall be made in proportion to their respective application A. Submission of Application Form • Applications to be made in prescribed form only. • The forms form prescribed for Category I applicants and shall be received only by the Lead size, rounded off to the nearest integer. (ii) If the process of rounding off to the nearest integer results in to be completed in block letters in English. • Applications should be in single or joint names and should Managers, the Co-Lead Managers and their respective affiliates. the actual allocation of NCDs beinghigher than the Issue size, not all applicants will be allotted the be applied by Karta in case of HUF. • Thumb impressions and signatures other than in English/Hindi/ 44. On-line Applications : We may decide to offer online application facility for NCDs, as and when number of NCDs arrived at aftersuch rounding off. Rather, each applicant whose allotment size, prior to Gujarati/Marathi or any other languages specified in the 8th Schedule of the Constitution needs to be it is permitted by law subject to terms and conditions as may be prescribed. rounding off, had thehighest decimal point would be given preference. (iii) In the event, there are more attested by a Magistrate or Notary Public or a Special Executive Magistrate under his/her seal. • All 45. Other Instructions : A. Joint Applications : Applications may be made in single or joint than one applicant whose entitlement remain equal after the manner ofdistribution referred to above, our Application Forms duly completed together with cheque/bank draftor RTGS transfers (only available to names (not exceeding three). In the case of joint applications, all payments will be made out in favour Company will ensure that the basis of allotment is finalised by draw of lots in afair and equitable manner. Category I Applicants) for the amount payable on application must be delivered before the closing of the of the first applicant. All communications will be addressed to the first named applicant whose name (g) Applicant applying for more than one series of NCDs: If an applicant has applied for more than one subscription list to any of the Bankers to the Public Issue or collection centre(s)/ agent(s) as may be appears in the Application Form and at the address mentioned therein. B. Additional Applications series of NCDs, (Option I and/or Option II and/orOption III and/or Option IV, individually referred to as specified before the closure of the Issue. Applicants at centres not covered by the branches of collecting : An applicant is allowed to make one or more applications for the NCDs for the same or other series of “Series”), and in case such applicant is entitled to allocation of only a part of the aggregate number of banks can send their forms together with a cheque/draft drawn on/payable at a local bank in Mumbai to NCDs, subject to a minimum application size of ` 5,000 and in multiples of ` 1,000 thereafter, for each NCDs applied for, the Series-wise allocation of NCDs to such applicants shall be in proportion to the the Registrar to the Issue by registered post.For the purposes of the basis of allotment, the date on which application. Any application for an amount below the aforesaid minimum application size will be deemed number of NCDs with respect to each Series, applied for by such applicant, subject to rounding off to the the cheque is received by the Registrar pursuant to an Application, shall be deemed to be the date on as an invalid application and shall be rejected. However, multiple applications by the same applicant nearest integer, as appropriate in consultation with Lead Managers,the Co-Lead Managers, and Designated which the Application was made. • No receipt will be issued for the application money. However, Bankers belonging to Category III aggregating to a value exceeding ` 500,000 shall be grouped in Category II, Stock Exchange. All decisions pertaining to the basis of allotment of NCDs pursuant to the Issue shall be to the Issue and/or their branches receiving the applications will acknowledge the same. • Every applicant for the purpose of determining the basis of allotment to such applicant. However, any application made taken by our Company in consultation with the Lead Managers,the Co-Lead Managers and the Designated should hold valid Permanent Account Number (PAN) and mention the same in the Application Form; and by any person in his individual capacity and an application made by such person in his capacity as a karta Stock Exchange and in compliance with the aforementioned provisions of the Prospectus. Our Company • All applicants are required to tick the relevant column of “Category of Investor” in the Application Form. of a Hindu Undivided family and/or as joint applicant(second or third applicant), shall not be deemed to would allot Option IV NCDs to all valid applications, wherein the applicants have not indicated their ALL APPLICATIONS BY CATEGORY I APPLICANTS SHALL BE RECEIVED ONLY be a multiple application. For the purposes of allotment of NCDs under the Issue, applications shall be choice of the relevant Series of NCDs (Option I, Option II, Option III or Option IV). BY THE LEAD MANAGERS, THE CO-LEAD MANAGERS AND THEIR RESPECTIVE grouped based on the PAN, i.e. applications under the same PAN shall be grouped together and treated 50. Investor Withdrawals and Pre-closure : Investor Withdrawal:Applicants are allowed to AFFILIATES. All applicants should apply for one or more option of NCDs in a single Application Form as one application. Two or more applications will be deemed to be multiple applications if the sole or withdraw their applications at any time prior to the closure of the issue. Pre-closure:Our Company, in only. Our Company would allot Option IV NCDsto all valid applications, wherein the applicants have not first applicant is one and the same. For the sake of clarity, two or more applications shall be deemed to consultation with the Lead Managers, Co-Lead Managers reserve the right to close the Issue at any time indicated their choice of NCDs. be a multiple application for the aforesaid purpose if the PAN number of the sole or the first applicant prior to the Closing Date, subject to receipt of minimum subscription for NCDs aggregating to 75% of the B. Applicant’s Depository Account Details : IT IS MANDATORY FOR ALL THE is one and the same. Base Issue. Our Company shall allot NCDs with respect to the applications received at the time of such APPLICANTS TO HAVE THEIR NCDs ALLOTTED IN DEMATERIALISED FORM. ALL C. Depository Arrangements : As per the provisions of Section 68B of the Act, the allotment of pre-closure in accordance with the Basis of Allotment as described hereinabove and subject to applicable APPLICANTS SHOULD MENTION THEIR DEPOSITORY PARTICIPANT’S NAME, NCDs of our Company can be madein a dematerialised form, (i.e. not in the form of physical certificates statutory and/or regulatory requirements. DEPOSITORY PARTICIPANT IDENTIFICATION NUMBER AND BENEFICIARY but be fungible and be represented by the Statement issued through electronic mode). We have made 51. Utilisation of Application Money : The sum received in respect of the Issue will be kept in ACCOUNT NUMBER IN THE APPLICATION FORM. INVESTORS MUST ENSURE THAT depository arrangements with NSDL and CDSL for issue and holding of the NCDs in dematerialised form. separate bank accounts and we will have access to such funds as per applicable provisions of law(s), THE NAME GIVEN IN THE APPLICATION FORM IS EXACTLY THE SAME AS THE Please note that tripartite agreements have been executed between our Company, the Registrar and both regulations and approvals. NAME IN WHICH THE DEPOSITORY ACCOUNT IS HELD. IN CASE THE APPLICATION the depositories. As per the provisions of the Depositories Act, 1996, the NCDs issued by us can be held 52. Utilisation of Issue Proceeds : (a) All monies received pursuant to the Issue of NCDs to public FORM IS SUBMITTED IN JOINT NAMES, IT SHOULD BE ENSURED THAT THE in a dematerialized form. In this context: (i) Tripartite Agreement datedDecember 08, 2010 and August shall be transferred to a separate bank account other than the bank account referred to in sub-section (3) DEPOSITORY ACCOUNT IS ALSO HELD IN THE SAME JOINT NAMES AND ARE IN 25, 2006, between us, the Registrar to the Issue and CDSL and NSDL, respectively for offering depository of section 73 of the Act. (b) Details of all monies utilised out of Issue referred to in sub-item (a) shall be THE SAME SEQUENCE IN WHICH THEY APPEAR IN THE APPLICATION FORM. option to the investors. (ii) An applicant who wishes to apply for NCDs in the electronic form must have disclosed under an appropriate separate head in our Balance Sheet indicating the purpose for which such Applicant should note that on the basis of name of the applicant, Depository Participant’s name, Depository at least one beneficiary account with any of the Depository Participants (DPs) of NSDL or CDSL prior to monies had been utilised; and (c) Details of all unutilised monies out of issue of NCDs, if any, referred Participant-Identification number and Beneficiary Account Number provided by them in the Application making the application. (iii) The applicant seeking allotment of NCDs in the Electronic Form must necessarily to in sub-item (a) shall be disclosed under an appropriate separate head in our Balance Sheet indicating Form, the Registrar to the Issue will obtain from the Depository, demographic details of the investor such fill in the details (including the beneficiary account number and DP’s ID) appearing in the Application the form in which such unutilised monies have been invested. (d) We shall utilize the Issue proceeds only as address, bank account details for printing on refund orders and occupation (“Demographic Details”). Form under the heading ‘Request for NCDs in Electronic Form’. (iv) NCDs allotted to an applicant in the upon creation of security as stated in the Prospectus and on receipt of the minimum subscription of 75% Hence, applicants should carefully fill in their Depository Account details in the Application Form. These Electronic Account Form will be credited directly to the applicant’s respective beneficiary account(s) with of the Base Issue. (e) The Issue proceeds shall not be utilized towards full or part consideration for the Demographic Details would be used for all correspondence with the applicants including mailing of the the DP. (v) For subscription in electronic form, names in the Application Form should be identical to those purchase or any other acquisition, inter alia by way of a lease, of any property. refund orders/ Allotment Advice and printing of bank particulars on the refund/interest order and the appearing in the account details in the depository. In case of joint holders, the names should necessarily 53. Listing : Application has been made to the BSE for permission to deal in and for an official Demographic Details given by applicant in the Application Form would not be used for these purposes be in the same sequence as they appear in the account details in the depository. (vi) Non-transferable quotation of our NCDs. If permissions to deal in and for an official quotation of our NCDs are not granted by the Registrar. Hence, applicants are advised to update their Demographic Details as provided to their Allotment Advice/refund orders will be directly sent to the applicant by the Registrars to this Issue. (vii) by BSE Limited, our Company will forthwith repay, without interest, all moneys received from the applicants Depository Participants and ensure that they are true and correct.By signing the Application Form, the If incomplete/incorrect details are given under the heading ‘Request for NCDs in electronic form’ in the in pursuance of the Prospectus. Our Company shall ensure that all steps for the completion of the applicant would have deemed to have authorised the depositories to provide, upon request, to the Application Form, it will be deemed to be an application for NCDs in physical form and thus will be necessary formalities for listing and commencement of trading at BSE are taken within 15 working days Registrar to the Issue, the required Demographic Details as available on its records. Refund Orders/ rejected. (viii) For allotment of NCDs in electronic form, the address, nomination details and other details from the date of allotment. For the avoidance of doubt, it is hereby clarified that in the event of non Allotment Advice would be mailed at the address of the applicant as per the Demographic Details of the applicant as registered with his/her DP shall be used for all correspondence with the applicant. The subscription to any one or more of the Options, such NCDs with Option(s) shall not be listed. received from the Depositories. Applicant may note that delivery of Refund Orders/Allotment Advice may applicant is therefore responsible for the correctness of his/her demographic details given in the Application FOR FURTHER DETAILS, PLEASE REFER TO THE PROSPECTUS get delayed if the same once sent to the address obtained from the Depositories are returned undelivered. Form vis-à-vis those with his/her DP. In case the information is incorrect or insufficient, our Company would In such an event, the address and other details given by the applicant in the Application Form would be not be liable for losses, if any. (ix) It may be noted that NCDs in electronic form can be traded only on the ISSUE MANAGEMENT TEAM used only to ensure dispatch of refund orders. Please note that any such delay shall be at the applicant’s stock exchanges having electronic connectivity with NSDL or CDSL. BSE has connectivity with NSDL and LEAD MANAGERS sole risk and neither we nor the Lead Managers, the Co-Lead Managers or the Registrars shall be liable CDSL. (x) Interest or other benefits with respect to the NCDs held in dematerialised form would be paid to compensate the applicant for any losses caused to the applicant due to any such delay or liable to pay to those NCD holders whose names appear on the list of beneficial owners given by the Depositories to any interest for such delay. However in case of applications made under power of attorney, our Company us as on Record Date. In case of those NCDs for which the beneficial owner is not identified by the in its absolute discretion, reserves the right to permit the holder of Power of Attorney to request the Depository as on the Record Date/ book closure date, we would keep in abeyance the payment of interest ICICI SECURITIES LIMITED A.K. CAPITAL SERVICES LIMITED or other benefits, till such time that the beneficial owner is identified by the Depository and conveyed to H.T. Parekh Marg, Churchgate 30-39, Free Press House, Free Press Journal Marg Registrar that for the purpose of printing particulars on the refund order and mailing of Refund Orders / Mumbai 400 020, India 215 Nariman Point, Mumbai 400 021, India Allotment Advice, the demographic details obtained from the Depository of the applicant shall be used. us, whereupon the interest or benefits will be paid to the beneficiaries, as identified, within a period of Tel: (91 22) 2288 2460 Tel: (91 22) 6754 6500/6634 9300 In case no corresponding record is available with the Depositories that matches all three parameters, 30 days. (xi) The trading of the NCDs shall be in dematerialized form only. Fax: (91 22) 2282 6580 Fax: (91 22) 6610 0594 namely, names of the applicants (including the order of names of joint holders), the Depository Participant’s D. Communications : • All future Communications in connection with Applications made in the Issue Email: muthootfin.bonds@icicisecurities.com E-mail: dipomfinance@akgroup.co.in identity (DP ID) and the beneficiary’s identity, then such applications are liable to be rejected. should be addressed to the Registrar to the Issue quoting all relevant details as regards the applicant and Investor Grievance Email: customercare@icicisecurities.com Investor Grievance Email: investor.grievance@akgroup.co.in C. Applicant’s Bank Account Details : It is mandatory for all the applicants to have their NCDs its application. • Applicants can contact the Compliance Officer of our Company/Lead Managers/Co-Lead Website: www.icicisecurities.com Website: www.akcapindia.com Managers or the Registrar to the Issue in case of any Pre-Issue related problems. In case of Post-Issue Contact Person: Manvendra Tiwari/Bhavin Vakil Contact Person: Hitesh Shah allotted in dematerialised form.The applicant should note that on the basis of the name of the applicant, SEBI Registration No.: INM000011179 SEBI Registration Number: INM000010411 LEAD MANAGERS CO-LEAD MANAGERS REGISTRAR TO THE ISSUE HDFC BANK LIMITED RR INVESTORS CAPITAL SERVICES (P) LIMITED SMC CAPITALS LIMITED LINK INTIME INDIA PRIVATE LIMITED Investment Banking Division KARVY INVESTOR SERVICES LIMITED Hallmark Plaza, 7th Floor, Sant Dyaneshwar Marg 133A, Mittal Tower, A- Wing 3rd Floor, A Wing, Laxmi Tower C-13, Pannalal Silk Mills Compound, Trade World ‘A’ Wing, 1st Floor, Kamala Mills Nariman Point Bandra Kurla Complex, Bandra East L.B.S. Marg, Bhandup (West), Senapati Bapat Marg, Lower Parel (W) Bandra (E), Mumbai 400 051 Mumbai 400 021, India Mumbai 400 051, India. Mumbai 400 078, India Mumbai 400 013, India Tel : (91 22) 6149 1500 Tel: (91 22) 2596 0320 Tel : (91 22) 2288 6627/28 Tel: (91 22) 61383838 Tel: (91 22) 4080 4108 Fax: (91 22) 4080 4114 Fax: (91 22) 6149 1515 Fax: (91 22)61383899 Fax: (91 22) 2596 0329 Fax: (91 22) 2285 1925 Email: paresh.soni@hdfcbank.com Email: muthootncdissue@karvy.com Email: muthootncd@rrfcl.com Email: muthoot.ncd@smccapitals.com Toll Free: 1-800-22-0320Email: mfl.ipo@linkintime.co.in Investor Grievance Email: investor.redressal@hdfcbank.com Investor Grievance Email: cmg@karvy.com Investor Grievance Email: investors@rrfcl.com Investor Grievance Email: investor.grievance@smccapitals .com Investor Grievance Email: mfl.ipo@linkintime.co.in Website: www.hdfcbank.com Website: www.karvy.com Website: www.rrfcl.com Website: www.smccapitals.com Website: www.linkintime.co.in Contact Person: Paresh Soni Contact Person : Lokesh Singhi Contact Person : Brahmdutta Singh Contact Person: Sanjeev Barnwal Contact Person: Sachin Achar SEBI Registration No.: INM000011252 SEBI Registration No.: INM000008365 SEBI Registration No.: INM000007508 SEBI Registration No.: MB/INM000011427 SEBI Registration No.: INR000004058 MUTHOOT FINANCE LIMITED 5
- 6. IN THE NATUREOF 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 AsianBuilding, 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 CardBankBuilding 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 : 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 ICRA Limited 1105, Kailash Building, 11th Floor 26, Kasturba Gandhi Marg New Delhi 110001, India Tel: (9111) 23357940-50 Fax: (9111) 23357014 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 Dhanlakshmi Bank Limited Janmabhoomi Bhavan, Janmabhoomi Marg, Mumbai 400 001 Tel: 022-22022535 / 022-61541857 Fax: 022-22871637/ 022-61541725 Email: venkataraghavan.ta@dhanbank.co.in Website: www.dhanbank.com Contact Person: Venkataraghavan T A SEBI Registration No.: INBI00000025 HDFC Bank Limited FIG-OPS Department – Lodha, I Think Techno Campus O-3 Level, Next to Kanjurmarg Railway Station, Kanjurmarg (East) Mumbai 400 042, India Tel: (91 22) 3075 2928 Fax: (91 22) 2579 9801 Email: deepak.rane@hdfcbank.com Website: www.hdfcbank.com Contact Person: Deepak Rane SEBI Registration No.: INBI00000063 ICICI Bank Limited Capital Markets Division 30, Mumbai Samachar Marg Mumbai 400 001, India Tel: (91 22) 66310322 Fax: (91 22) 66310350/ 22611138 Email: anil.gadoo@icicibank.com Website: www.icicibank.com Contact Person: Anil Gadoo SEBI Registration No.:INBI00000004 IDBI Bank Unit No.2, Corporate Park, Near Swastik Chambers Sion –Trombay Road, Chembur Mumbai 400071, India Tel: (91 22) 66908402 Fax: (91 22) 66908424 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) 67728721 Fax: (91 22) 66412349 Email: suresh.esaki@indusind.com, singh.harpal@indusind.com Website:www.indusind.com Contact Person: Suresh Esaki / Mr. Harpal Singh SEBI Registration No.: INBI00000002 RISK FACTORS Prospective 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 Moreover, certain of our loans may be recalled by our lenders at any time.If any of these lenders recall its the other information contained in the Prospectus before making any investment decision relating to the margins if we are unable to compete effectively. : Our principal business is the provision of loans, our cash position, business and operations may be negatively affected. NCDs. If any of the following risks or other risks that are not currently known or are now deemed immaterial, personal loans to retail customers in India secured by gold jewellery as collateral. Historically, the Gold 12. Our loan agreements contain restrictive covenants that may affect our business actually occur, our business, financial condition and result of operation could suffer, the trading price of Loan industry in India has been largely unorganised and dominated by local jewellery pawn shops and and operations, some of which we are currently in breach of or have breached in the the NCDs could decline and you may lose all or part of your interest and / or redemption amounts. Unless money lenders, with very few public sector and old generation private sector banks focusing on this sector. past. The loan agreements that we have entered into with certain banks and financial institutions contain otherwise stated in the relevant risk factors set forth below, we are not in a position to specify or quantify Attractive interest rates relative to risk together with increased demand for access to capital from middle restrictive covenants, which among other things require us to obtain prior permission of such banks or the financial or other implications of any of the risks mentioned herein. The ordering of the risk factors is income group, previously availed predominantly by lower income group customers with limited access to financial institutions or to inform them with respect to various activities, including, alteration of our capital intended to facilitate ease of reading and reference and does not in any manner indicate the importance other forms of borrowings, have increased our exposure to competition. The demand for Gold Loans has structure, changes in management, raising of fresh capital or debt, payment of dividend, undertaking new of one risk factor over another. also increased due to relatively lower and affordable interest rates, increased need for urgent borrowing projects, or undertaking any merger or amalgamation, invest by way of share capital or lend to other The Prospectus contains forward looking statements that involve risk and uncertainties. Our Company’s or bridge financing requirements and the need for liquidity for assets held in gold and also due to companies, undertaking guarantee obligations on behalf of other companies, and creation of further actual results could differ materially from those anticipated in these forward looking statements as a result increased awareness among customers of Gold Loans as a source of quick access to funds. All of these charge on fixed assets.Additionally, certain loan agreements require us to meet and maintain prescribed of several factors, including the considerations described below and elsewhere in the Prospectus. factors have resulted in us facing increased competition from other lenders in the Gold Loan industry, financial ratios.Further, under these loan agreements during the subsistence of the facility, the lender has Investors are advised to read the following risk factors carefully before making an investment in the NCDs including commercial banks and other NBFCs. Unlike commercial banks or deposit-taking NBFCs, we do a right to appoint a nominee director on our Board from time to time.Furthermore, some of our financing offered in this Issue. You must rely on your own examination of our Company and this Issue, including the not have access to funding from savings and current deposits of customers. Instead, we are reliant on arrangements contain cross default provisions which could automatically trigger defaults under other risks and uncertainties involved. higher-cost term loans and debentures for our funding requirements, which may reduce our margins financing arrangements, in turn magnifying the effect of an individual default. Although we attempt to INTERNAL RISK FACTORS compared to competitors. Our ability to compete effectively with commercial banks or deposit-taking maintain compliance with our covenants or obtain prospective waivers where possible, we cannot assure Risks relating to our Business & Company NBFCs will depend, to some extent, on our ability to raise low-cost funding in the future. If we are unable you that we will be continuously compliant. We have breached in the past, and are currently in breach of, 1. We and our Directors are involved in certain legal and other proceedings that if to compete effectively with other participants in the Gold Loan industry, our business, future financial certain covenants under these loan agreements and other financing arrangements.For example, with determined against us, could have a material adverse effect on our financial condition performance and the trading price of the NCDs and Equity Shares may be adversely affected. Furthermore, respect to the execution of the Baring Investment Agreement, Kotak Investment Agreement, Matrix and results of operations. : Our Company and our Directors are defendants in legal proceedings. as a result of increased competition in the Gold Loan industry, Gold Loans are becoming increasingly Investment Agreement and Wellcome Investment Agreement and the consequent alteration of our capital These legal proceedings are pending at different levels of adjudication before various levels of adjudication standardised and variable interest rate and payment terms and waiver of processing fees are becoming structure, we did not obtain a prior written permission from certain banks and financial institutions.Although before various courts and tribunals. The amounts claimed in these proceedings have been disclosed to increasingly common in the Gold Loan industry in India. There can be no assurance that we will be able no bank or financial institution has issued a notice of default to us, if we are held to be in breach of any the extent ascertainable, excluding contingent liabilities and include amounts claimed jointly and severally to react effectively to these or other market developments or compete effectively with new and existing financial or other covenants contained in any of our financing arrangements, we may be required to from us and other parties. Should any new developments arise, such as any change in applicable Indian players in the increasingly competitive Gold Loans industry. Increasing competition may have an adverse immediately repay our borrowings either in whole or in part, together with any related costs, and because law or any rulings against us by appellate courts or tribunals, we may need to make provisions in our effect on our net interest margin and other income, and, if we are unable to compete successfully, our of such defaults we may be unable to find additional sources of financing.If any of these events were to financial statements that could increase expenses and current liabilities.Any adverse decision may have market share may decline as the origination of new loans declines. occur, it would likely result in a material adverse effect on our financial condition and results of operations an adverse effect on our business, results of operations and financial condition. For further details, see 7. We have certain contingent liabilities which may adversely affect our financial or even our ability to continue as a going concern. section titled “Pending proceedings and statutory defaults” of the Prospectus. condition. As per the audited financial statements of the Company for the period ended 13. All of the Gold Loans we offer are due within one year of disbursement, and a 2. The “Muthoot” logo and other combination marks are proposed to be registered September 30, 2011 we had certain contingent liabilities not provided for, amounting to ` 3,229.38 failure to disburse new loans may result in a reduction of our loan portfolio and a in the name of our Promoters.If we are unable to use the trademarks and logos, our million.The contingent liability amounts disclosed in our audited financial statements represent estimates corresponding decrease in our interest income. All of the Gold Loans we offer are due within results of operations may be adversely affected. : The brand and trademark “Muthoot”, as and assumptions of our management based on advice received. one year of disbursement. The relatively short-term nature of our loans means that our long-term interest also related marks and associated logos (“Muthoot Trademarks”) are currently registered in the name 8. We may not be able to successfully sustain our growth strategy. In recent periods, we income stream is less certain than if a portion of our loans were for a longer term. In addition, our existing of our Company.We believe that the Muthoot Trademarks are important for our business. Our Company have experienced substantial growth. Our net profit as per the audited financial statements of the Company, customers may not obtain new loans from us upon maturity of their existing loans, particularly if competition proposes to register the Muthoot Trademarks jointly in the name of our Promoters through a rectification in fiscals 2008, 2009, 2010 and 2011 and for the period ended September 30, 2011 was ` 630.7 million increases. The potential instability of our interest income could materially and adversely affect our results process or irrevocably grant ownership rights by alternate, legally compliant means. Pursuant to applications ` 978.7 million, ` 2,285.2 million and ` 4,941.76 million, and ` 4,060.1 million respectively. Our gross of operations and financial position. filed on September 20, 2010 by our Company and our Promoters before the Trade Marks Registry, retail loans outstanding grew year on year by 120.78% to ` 74,381.5 million as of March 31, 2010, and 14. We have entered into assignment agreements to sell certain loans from our Chennai, our Promoters have stated that their father, Late Mr. M. George Muthoot, had adopted and had by 113.34% to ` 158,684.5 million as of March 31, 2011 from ` 74,381.5 million as of March 31, 2010. outstanding loan portfolio. If such assignment of loans is held to be unenforceable been using the Muthoot Trademarks since 1939 and that our Promoters had, since the demise of Late Mr. Our gross retail loans outstanding grew by by 31.96% to ` 209,404.9 million during the six months ended under applicable law, it could have a material adverse effect on our business, M. George Muthoot, been continuing his business and using the Muthoot Trademarks as its joint proprietors. September 30, 2011 from ` 158,684.5 million as of March 31, 2011.Our growth strategy includes growing financial condition and results of operations. From time to time we sell and assign a group Our Company has confirmed that our Company has, since incorporation, been using the Muthoot Trademarks our loan book and expanding the range of products and services offered to our customers and expanding of similar loans from our outstanding loan portfolio to financial institutions in return for an upfront fixed as per an implied user permission granted by our Promoters and that the application for registration of our branch network. There can be no assurance that we will be able to sustain our growth strategy consideration. As per our audited financial statements, the period ended September 30, 2011 the the Muthoot Trademarks in the name of our Company was filed through inadvertence.Consequently, an successfully, or continue to achieve or grow the levels of net profit earned in recent years, or that we will outstanding portfolio of assigned loans was ` 25,875.0 million constituting 12.36% of the gross retail application has been made to Trade Marks Registry, Chennai, to effect a rectification in the Register of be able to expand further or diversify our loan book. Furthermore, there may not be sufficient demand for loan portfolio. As a part of such transactions, we provide credit enhancement through fixed deposits with Trademarks. Since a rectification process (by application before the Trade Marks Registry, Chennai as such products, or they may not generate sufficient revenues relative to the costs associated with offering banks or issue corporate guarantees to the purchaser for an amount equal to a negotiated percentage of mentioned above) is underway, and not an assignment of the Muthoot Trademarks, no independent such products and services. Even if we were able to introduce new products and services successfully, there the value of the loans being assigned. The loan assignment agreements contain certain representations valuation of the Muthoot Trademarks has been conducted. It is proposed that consequent to such rectification, can be no assurance that we will be able to achieve our intended return on such investments. If we grow and warranties made by us regarding the assigned loans, which, if breached could result in additional the Promoters will grant our Company a non-exclusive licence to use the Muthoot Trademarks for an our loan book too rapidly or fail to make proper assessments of credit risks associated with borrowers, a costs and expenses to us. In the event that one or more of the asset assignment agreements entered into annual royalty equivalent to 1% of the gross income of our Company, subject to a maximum of 3% of profit higher percentage of our loans may become non-performing, which would have a negative impact on the by us are held by a court of law or declared by a statute as unenforceable, we may be required to terminate before tax (after charging the royalty) and managerial remuneration payable by our Company each quality of our assets and our financial condition. We also face a number of operational risks in executing these assignment agreements and may suffer losses. In addition, if such assignments of loans are sought financial year. Subject to certain other conditions, it is proposed that this licence would continue until such our growth strategy. We have experienced rapid growth in our Gold Loan business and our branch network to be regulated, it could adversely affect our ability to raise resources through the loan assignment route. time that our Promoters, together with the Promoter Group, jointly cease to hold at least 50.01% of the also has expanded significantly, and it is entering into new, smaller towns and cities within India as part Such events may adversely affect our business, financial condition and results of our operations and our paid-up equity share capital of our Company. Since the rectification is yet to be effected and consequently, of our growth strategy. Our rapid growth exposes us to a wide range of increased risks within India, ability to assign our loans. no licence has been granted to us as of date, we cannot assure you that we will be able to obtain a licence including business risks, such as the possibility that our number of impaired loans may grow faster than 15. Our business could be adversely affected if we are not able to control or reduce to use the Muthoot Trademarks, when registered, from our Promoters on commercially acceptable terms, anticipated, and operational risks, fraud risks and regulatory and legal risks. Moreover, our ability to the level of non-performing assets in our portfolio. or at all. In addition, loss of the rights to use the Muthoot Trademarks may affect our reputation, goodwill, sustain our rate of growth depends significantly upon our ability to manage key issues such as selecting We may not be successful in our efforts to improve collections and/or enforce the security interest on the business and our results of operations. and retaining key managerial personnel, maintaining effective risk management policies, continuing to gold collateral on existing as well as future non-performing assets. Moreover, as our loan portfolio matures, 3. Our business requires substantial capital, and any disruption in funding sources offer products which are relevant to our target base of customers, developing managerial experience to we may experience greater defaults in principal and/or interest repayments. Thus, if we are not able to would have a material adverse effect on our liquidity and financial condition. : Our address emerging challenges and ensuring a high standard of customer service. For further details please control or reduce our level of non-performing assets, the overall quality of our loan portfolio may deteriorate liquidity and ongoing profitability are, in large part, dependent upon our timely access to, and the costs refer to the Prospectus. and our results of operations may be adversely affected. As per our audited financial statements, our gross associated with, raising capital. Our funding requirements historically have been met from a combination 9. We may not be in compliance with relevant state money lending laws, which could NPAs as of year ended March 31, 2008, 2009, 2010, 2011 and the period ended of borrowings such as working capital limits from banks and selling of our loan portfolio to other lenders adversely affect our business. There is ambiguity on whether or not NBFCs are required to comply September 30, 2011were` 92.6 million, ` 161.1 million ` 343.6 million,` 460.1 million, and ` 1,233.2 such as banks, and issuance of commercial paper, non-convertible debentures and equity. Thus, our with the provisions of state money lending laws that establish ceilings on interest rates. As of September million respectively. For further details on our non-performing assets please refer the sub-section titled business depends and will continue to depend on our ability to access diversified low-cost funding sources. 20, 2009, our Company has been specifically exempted from the provisions of the Money Lenders Act in ‘Non-performing Assets’ of the Prospectus. The Non-Banking Financial (Non-Deposit Accepting or Holding) The crisis in the global credit market that began in mid 2007destabilised the prevailing lending model Karnataka, Andhra Pradesh and there is a blanket exemption for all NBFCs in Rajasthan. Further, we have Companies Prudential Norms (Reserve Bank) Directions, 2007 prescribe the provisioning required in by banks and financial institutions. These adverse conditions reached unprecedented levels through also received show cause notices from certain Government authorities in relation to compliance with respect of our outstanding loan portfolio. Should the overall credit quality of our loan portfolio deteriorate, 2008. The capital and lending markets remained highly volatile and access to liquidity had been significantly relevant money lending statutes in relation to our operations in the states of Gujarat, Kerala, Karnataka the current level of our provisions may not be adequate to cover further increases in the amount of our non- reduced. These conditions had resulted in increased borrowing costs and difficulty in accessing debt in and Andhra Pradesh. We also carry out operations in other states such as Tamil Nadu, Madhya Pradesh, performing assets. Furthermore, although we believe that our total provision will be adequate to cover all a cost-effective manner. In addition, it became more difficult to renew loans and facilities as many and Maharashtra, where there are money lending statutes in operation. In addition, in the event the known losses in our asset portfolio, our current provisions may not be adequate when compared to the loan potential lenders and counterparties also faced liquidity and capital concerns as a result of the stress in provisions of any state specific regulations are extended to NBFCs in the gold loan business such as our portfolios of other financial institutions. Moreover, there also can be no assurance that there will be no the financial markets. Moreover, we are a “systemically important non-deposit accepting” NBFC, and do Company, we could have increased costs of compliance and our business and operations could be further deterioration in our provisioning coverage as a percentage of gross non-performing assets or not have access to deposits. We are also restricted from inviting interest in our secured non-convertible adversely affected. For further details, see “Pending proceedings and Statutory Defaults” of the Prospectus. otherwise, or that the percentage of non-performing assets that we will be able to recover will be similar debentures which are issued on a private placement basis, by advertising to the public. We also face There are severe civil and criminal penalties for non-compliance with the relevant money lending statutes. to our past experience of recoveries of non-performing assets. In the event of any further increase in our non-performing asset portfolio, there could be an even greater, adverse impact on our results of operations. significant maturities of unsecured debt each year. ` 24,015.8 million of our outstanding unsecured debt In the event that the government of any state in India requires us to comply with the provisions of their For further details please refer to the Prospectus. as on September 30, 2011 matures during the current fiscal year ending March 31, 2012.In order to retire respective state money lending laws, or imposes any penalty against us, our Directors or our officers, 16. We face difficulties in carrying out credit risk analyses on our customers, most these instruments, we either will need to refinance this debt, which could be difficult in the event of case including for prior non-compliance, our business, results of operations and financial condition may be of whom are individual borrowers Unlike several developed economies, a nationwide credit of volatility in the credit markets, or raise equity capital or generate sufficient cash to retire the debt. adversely affected. bureau has only recently become operational in India, so there is less financial information available 4. Our financial performance is particularly vulnerable to interest rate risk. : Over the 10. A major part of our branch network is concentrated in southern India and any about individuals, particularly our focus customer segment from the low to middle income group who last several years, the Government of India has substantially deregulated the financial sector. As a result, disruption or downturn in the economy of the region would adversely affect our typically have limited access to other financing sources. It is therefore difficult to carry out precise credit interest rates are now primarily determined by the market, which has increased the interest rate risk operations. As of September 30, 2011, 2,114 out of our 3,274 branches are located in the southern risk analyses on our customers. Although we follow certain know-your-customer procedures at the time of exposure of all banks and financial intermediaries in India, including us. Our results of operations are states of Tamil Nadu (704 branches), Kerala (667 branches), Andhra Pradesh (430 branches), Karnataka sanctioning a loan, we generally rely on the quality of the gold jewellery provided as collateral rather than substantially dependent upon the level of our net interest margins. Interest rates are sensitive to many (305 branches) and Union Territory of Pondicherry (8 branches). Any disruption, disturbance or breakdown on a stringent analysis of the credit profile of our customers. Although we believe that our risk management factors beyond our control, including the RBI’s monetary policies, domestic and international economic in the economy of southern India could adversely affect the result of our business and operations. As of controls are sufficient, we cannot be certain that they will continue to be sufficient or that additional risk and political conditions and other factors. Our policy is to attempt to balance the proportion of our interest- September 30, 2011, the southern Indian states of Tamil Nadu, Kerala, Andhra Pradesh, Karnataka and management policies for individual borrowers will not be required. Failure to maintain sufficient credit earning assets, which bear fixed interest rates, with interest-bearing liabilities. A majority of our liabilities, the Union Territory of Pondicherry constituted 71.4% of our total Gold Loan portfolio. Our concentration assessment policies, particularly for individual borrowers, could adversely affect our credit portfolio which such as our secured non-convertible debentures, subordinated debt and short term loans carry fixed rates in southern India exposes us to adverse economic or political circumstances that may arise in that region could have a material and adverse effect on our results of operations and financial condition. of interest and the remaining are linked to the respective banks’ benchmark prime lending rate/base rate. as compared to other NBFCs and commercial banks that have diversified national presence. If there is a 17. Our customer base comprises mostly individual borrowers, who generally are As of September 30, 2011, 55.76% of our borrowings were at fixed rates of interest, comprising primarily sustained downturn in the economy of south India, our financial position may be adversely affected. more likely to be affected by declining economic conditions than large corporate our privately placed secured non-convertible redeemable debentures, which constituted 29.21% of our 11. Our indebtedness and the conditions and restrictions imposed by our financing borrowers. Individual borrowers generally are less financially resilient than large corporate borrowers, total indebtedness as of September 30, 2011. However, there can be no assurance that we will be able agreements could restrict our ability to conduct our business and operations in the and, as a result, they can be more adversely affected by declining economic conditions. In addition, a to adequately manage our interest rate risk in the future and be able to effectively balance the proportion manner we desire. As per our audited financial statements, as of March 31, 2011 and the audited significant majority of our customer base belongs to the low to middle income group, who may be more of our fixed rate loan assets and liabilities in the future. Further, despite this balancing, changes in interest financial statements for the period ended September 30, 2011, we had outstanding debt of ` 172,567.9 likely to be affected by declining economic conditions than large corporate borrowers. rates could affect the interest rates charged on interest-earning assets and the interest rates paid on million. We may incur additional indebtedness in the future. Our indebtedness could have several important 18. Because we handle high volume of cash and gold jewellery in a dispersed network interest-bearing liabilities in different ways. Thus, our results of operations could be affected by changes consequences, including but not limited to the following: • a portion of our cash flow may be used towards of branches, we are exposed to operational risks, including employee negligence, in interest rates and the timing of any repricing of our liabilities compared with the re-pricing of our assets. repayment of our existing debt, which will reduce the availability of our cash flow to fund our capital fraud, petty theft, burglary and embezzlement, which could harm our results of Furthermore, we are exposed to greater interest rate risk than banks or deposit-taking NBFCs. In a rising adequacy requirements, working capital, capital expenditures, acquisitions and other general corporate operations and financial position. As per our audited financial statements, as of interest rate environment, if the yield on our interest-earning assets does not increase at the same time requirements; • our ability to obtain additional financing in the future at reasonable terms may be restricted September 30, 2011, we held cash balance of ` 1,134.5 million and gold jewellery of 129.5 tons. Our or to the same extent as our cost of funds, or, in a declining interest rate environment, if our cost of funds or our cost of borrowings may increase due to sudden adverse market conditions, including decreased business involves carrying out cash and gold jewellery transactions that expose us to the risk of fraud by does not decline at the same time or to the same extent as the yield on our interest-earning assets, our availability of credit or fluctuations in interest rates, particularly because a significant proportion of our employees, agents, customers or third parties, theft, burglary, and misappropriation or unauthorised net interest income and net interest margin would be adversely impacted. Additional risks arising from financing arrangements are in the form of borrowings from banks.; • fluctuations in market interest rates transactions by our employees.Our insurance policies, security systems and measures undertaken to detect increasing interest rates include: • reductions in the volume of loans as a result of customers inability to service may affect the cost of our borrowings, as some of our indebtedness are at variable interest rates; • there and prevent these risks may not be sufficient to prevent or detect such activities in all cases, which may high interest rate payments; and • reductions in the value of fixed income securities held in our investment could be a material adverse effect on our business, financial condition and results of operations if we are adversely affect our operations and profitability.Further, we may be subject to regulatory or other proceedings portfolio. There can be no assurance that we will be able to adequately manage our interest rate risk in the unable to service our indebtedness or otherwise comply with financial and other covenants specified in in connection with any unauthorised transaction, fraud or misappropriation by our representatives and future and, if we are unable to do so, this would have an adverse effect on our net interest margin. the financing agreements; and • we may be more vulnerable to economic downturns, may be limited in employees, which could adversely affect our goodwill.The nature and size of the items provided as 5. We may not be able to recover the full loan amount, and the value of the collateral our ability to withstand competitive pressures and may have reduced flexibility in responding to changing collateral allow these items to be misplaced or mis-delivered, which may have a negative impact on our may not be sufficient to cover the outstanding amounts due under defaulted loans. business, regulatory and economic conditions.Some of our financing agreements also include various operations and result in losses.For example, (i) in 2008 and 2009, we encountered two instances of staff : We extend loans secured by gold jewellery provided as collateral by the customer. An economic downturn conditions and covenants that require us to obtain lender consents prior to carrying out certain activities fraud at our Millerganj, Punjab and Sakthikulangara, Kerala branches, where 497 packets of gold (pledged or sharp downward movement in the price of gold could result in a fall in collateral values. In the event and entering into certain transactions. Failure to meet these conditions or obtain these consents could against a loan amount of ` 16,127,480) and ` 500,000 in cash were stolen by our employees, (ii) in 2009, of any decrease in the price of gold, customers may not repay their loans and the collateral gold jewellery have significant consequences on our business and operations. Specifically, we may require, and may be gold ornaments pledged by two of our customers at our branches at Pettah, Trivandrum, and Thenkassi securing the loans may have decreased significantly in value, resulting in losses which we may not be able unable to obtain, lender consents to incur additional debt, issue equity, change our capital structure, Old Bus Stand, Tamil Nadu, against loan amounts of ` 144,000 and ` 27,000, respectively, were reported to support. Although we use a technology-based risk management system and follow strict internal risk declare dividend, increase or modify our capital expenditure plans, undertake any expansion, provide to be stolen goods and seized by the police, and (iii) in 2009, in two separate cases, 87 grams of spurious management guidelines on portfolio monitoring, which include periodic assessment of loan to security additional guarantees, change our management structure, merge with or acquire other companies, or gold and 604 grams of spurious gold were pledged, against loan amounts of ` 93,500 and` 578,500, value on the basis of conservative market price levels, limits on the amount of margin, ageing analysis amend its charter documents, whether or not there is any failure by us to comply with the other terms of respectively, with our branches at Trichur West Fort, Kerala and Lajpat Nagar, New Delhi, respectively. and pre-determined loan closure call thresholds, no assurance can be given that if the price of gold such agreements. Any failure to comply with the requirement to obtain a consent, or other condition or 19. A decline in our capital adequacy ratio could restrict our future business growth. decreased significantly, our financial condition and results of operations would not be adversely affected. covenant under our financing agreements that is not waived by our lenders or is not otherwise cured by As per the revised norms of RBI, from March 31, 2011, we are required to maintain a capital adequacy The impact on our financial position and results of operations of a hypothetical decrease in gold values us, may lead to a termination of our credit facilities, acceleration of all amounts due under such facilities ratio of at least 15% of our risk-weighted assets. Our capital adequacy ratio was 18.24% as of cannot be reasonably estimated because the market and competitive response to changes in gold values and trigger cross default provisions under certain of our other financing agreements, and may adversely September 30, 2011, with Tier I capital comprising 13.48%. If we continue to grow our loan portfolio and is not pre-determinable. For further details please refer to the Prospectus. affect our ability to conduct our business and operations or implement our business plans. 6 MUTHOOT FINANCE LIMITED
- 7. IN THE NATUREOF FORM 2A - MEMORANDUM CONTAINING SALIENT FEATURES OF THE PROSPECTUS asset base, we will be required to raise additional Tier I and Tier II capital in order to continue to meet alliances and joint ventures and make investments to further expand our business. In order to pursue this strategies. In the future, we may decide to diversify into other businesses. We may also explore opportunities applicable capital adequacy ratios with respect to our business of Gold Loans. There can be no assurance strategy successfully, we must identify suitable candidates for and successfully complete such transactions, for expansion into new geographic markets outside India. We have stated our objectives for raising funds that we will be able to raise adequate additional capital in the future on terms favourable to us, or at all, some of which may be large and complex, and manage the integration of acquired companies or employees. through the Issue and have set forth our strategy for our future business herein. However, depending on and this may adversely affect the growth of our business. We may not fully realise all of the anticipated benefits of any such transaction within the anticipated prevailing market conditions and other commercial considerations, our business model in the future may 20. If we fail to maintain effective internal control over financial reporting in the timeframe or at all. Any increased or unexpected costs, unanticipated delays or failure to achieve contractual change from what is described herein. future, the accuracy and timing of our financial reporting may be adversely affected. obligations could make such transactions less profitable or unprofitable. Managing business combination 41. Our Promoters, Directors and related entities have interests in a number of entities, We have taken steps intended to enhance our internal controls commensurate to the size of our business, and investment transactions requires varying levels of management resources, which may divert our which are in businesses similar to ours and this may result in potential conflicts of primarily through the formation of a designated internal audit team with additional technical accounting attention from other business operations, may result in significant costs and expenses and charges to interest with us. Certain decisions concerning our operations or financial structure may present and financial reporting experience. However, certain matters such as fraud and embezzlement cannot be earnings. The challenges involved in integration include: • combining product offerings and entering into conflicts of interest among our Promoters, other shareholders, Directors, executive officers and the holders eliminated entirely given the cash nature of our business. While we expect to remedy any such issues, we new markets in which we are not experienced; • consolidating and maintaining relationships with customers; of the NCDs. Our Promoters, Directors and related entities have interests in the following entities that are cannot assure you that we will be able to do so in a timely manner, which could impair our ability to • consolidating and rationalising transaction processes and corporate and IT infrastructure; • integrating engaged in businesses similar to ours: Companies: 1. Muthoot Vehicle & Asset Finance Limited 2. Geo accurately and timely report our financial position, results of operations or cash flows. employees and managing employee issues; • coordinating and combining administrative and other Bros Muthoot Funds (India) Limited 3. EmgeeMuthoot Benefit Fund (India) Limited 4. Muthoot M George 21. We may experience difficulties in expanding our business into additional operations and relationships with third parties in accordance with applicable laws and other obligations Permanent Fund Limited 5. Muthoot Gold Funds Limited 6. Muthoot Synergy Fund Limited 7. Muthoot geographical markets in India. While the Gold Loans markets in the South Indian States of Kerala while maintaining adequate standards, controls and procedures; • achieving savings from infrastructure M GeorgeChits (India) Limited 8. Muthoot Finance UK Limited Partnership firms: 1. Muthoot General Tamil Nadu, Andhra Pradesh and Karnataka remains and is expected to remain our primary strategic integration; and • managing other business, infrastructure and operational integration issues. Any such Finance 2. Muthoot Insurance Advisory Services 3. Emgee Insurance Services 4. Geo Financial Services focus, we also evaluate attractive growth opportunities in other regions in India and have expanded our acquisition may also result in earnings dilution, the amortisation of goodwill and other intangible assets 5. Muthoot Bankers (Kottayam) 6. Muthoot Bankers (Quilon) 7. Muthoot Bankers (Edapally) 8. Muthoot operations in the northern, western and eastern states of India. We may not be able to leverage our or other charges to operations, any of which could have a material adverse effect on our business, financial Investments 9. Muthoot Bankers (Alleppey) 10. Muthoot M George Chitty Fund 11.Muthoot M George experience in southern India to expand our operations in other regions, should we decide to further expand condition or results of operations. These acquisitions may give rise to unforeseen contingent risks or latent Bankers (Trivandrum) 12. Muthoot M George Chits (Bangalore) 13. Muthoot Bankers (Pathanapuram) 14. our operations. Factors such as competition, culture, regulatory regimes, business practices and customs, liabilities relating to these businesses that may only become apparent after the merger or the acquisition Muthoot Financiers (Pathanapuram) 15.Muthoot M George Financiers (Faridabad) 16.Muthoot Bankers customer tastes, behavior and preferences in these cities where we may plan to expand our operations may is finalised. For further details please refer to the Prospectus. (Faridabad) 17.Muthoot Bankers (Pathanamthitta) 18. Muthoot Bankers (Cochin) 19. Muthoot Bankers differ from those in south Indian states of Kerala, Tamil Nadu, Andhra Pradesh and Karnataka and our 30. In order to be successful, we must attract, retain and motivate key employees, (Bangalore) Commercial transactions in the future between us and related parties could result in conflicting experience in the States of Kerala, Tamil Nadu, Andhra Pradesh and Karnataka may not be applicable and failure to do so could adversely affect our business. In order to be successful, we must interests. A conflict of interest may occur between our business and the business of our Promoter group to these geographies. In addition, as we enter new markets and geographical areas, we are likely to attract, train, motivate and retain highly skilled employees, especially branch managers and gold assessment companies which could have an adverse affect on our operations. Conflicts of interest may also arise out of compete not only with other large banks and financial institutions in the Gold Loan business, but also the technical personnel. If we cannot hire additional personnel or retain existing qualified personnel, our common business objectives shared by us, our Promoters, directors and their related entities. Our Promoters, local unorganised or semi-organised lenders, who are more familiar with local conditions, business ability to expand our business will be impaired and our revenue could decline. Hiring and retaining directors and their related entities may compete with us and have no obligation to direct any opportunities practices and customs, have stronger relationships with customers and may have a more established brand qualified and skilled managers and sales representatives are critical to our future, and competition for to us. There can be no assurance that these or other conflicts of interest will be resolved in an impartial manner. name. If we plan to expand our geographical footprint, our business may be exposed to various additional experienced employees in the Gold Loan industry can be intense. In addition, we may not be able to hire 42. We are significantly dependent on our management team and our ability to attract challenges, including obtaining necessary governmental approvals, identifying and collaborating with and retain enough skilled and experienced employees to replace those who leave, or may not be able to and retain talent. We are significantly dependent upon a core management team who oversee the local business partners with whom we may have no previous working relationship; successfully gauging re-deploy and retain our employees to keep pace with continuing changes in technology, evolving standards day-to-day operations, strategy and growth of our businesses. Many of the key management personnel market conditions in local markets with which we have no previous familiarity; attracting potential customers and changing customer preferences. The failure to hire key executives or employees or the loss of executives have been with us since our inception and have been integral to our development. Our success is largely in a market in which we do not have significant experience or visibility; being susceptible to local taxation and key employees could have a significant impact on our operations. dependent on the management team who ensure the implementation of our strategy. If one or more in additional geographical areas of India; and adapting our marketing strategy and operations to different 31. Our insurance coverage may not be adequate to protect us against all potential members of our core management team were unable or unwilling to continue in their present positions, regions of India in which other languages are spoken. Our inability to expand our current operations may losses to which we may be subject. We maintain insurance cover for our free hold real estate such persons may be difficult to replace, and our business could be adversely affected. adversely affect our business prospects, financial conditions and results of operations. and tangible properties and infrastructure at all owned and leased premises which provides insurance 43. Our employees may be the target of theft, burglary and other crimes which may 22. System failures or inadequacy and security breaches in computer systems may cover against loss or damage by fire, earthquake, lightning, riot, strike, storm, flood, explosion, aircraft adversely affect our business, operations, and ability to recruit and retain employees. adversely affect our business. Our business is increasingly dependent on our ability to process, damage, rock slide and missile testing. Further we maintain insurance cover for employee fidelity, cash We handle large amount of cash and gold jewellery items in our daily operation and are exposed to risks on a daily basis, a large number of transactions. Our financial, accounting or other data processing systems and gold in the office premises and in transit which provides insurance cover against loss or damage by of theft, burglary and other crimes. Our employees may therefore become targets of violence if they are may fail to operate adequately or become disabled as a result of events that are wholly or partially beyond employee theft, burglary, house breaking and hold up. The aggregate insured value covered by the various present when these crimes are committed, and may sustain physical and psychological injuries as a result. our control, including a disruption of electrical or communications services. If any of these systems do not insurance policies we have subscribed may be less than the replacement cost of all covered property and We may encounter difficulties recruiting and retaining qualified employees due to this risk and our operate properly or are disabled or if there are other shortcomings or failures in our internal processes or may not be sufficient to cover all financial losses that we may suffer should a risk materialise. Further, there business and operations may be adversely affected. systems, it could affect our operations or result in financial loss, disruption of our businesses, regulatory are many events that could significantly impact our operations, or expose us to third-party liabilities, for 44. Our internal procedures, on which we rely for obtaining information on our intervention or damage to our reputation. For further details please refer to the Prospectus. which we may not be adequately insured. If we were to incur a significant liability for which we were not customers and loan collateral, may be deficient and result in business losses. We rely 23. We may not be able to maintain our current levels of profitability due to increased fully insured, it could have a material adverse effect on our results of operations and financial position. on our internal procedures for obtaining information on our customers and loan collateral provided. In the costs or reduced spreads. Our business involves a large volume of small-ticket size loans and 32. Our results of operations could be adversely affected by any disputes with our event of lapses or deficiencies in our procedures or in their implementation, we may be subject to business requires manual operational support. Hence, we require dedicated staff or providing our services.In order employees. As of September 30, 2011, we employed 21,543 persons in our operations. Currently our or operational risk.For example, in the event that we unknowingly receive stolen goods as collateral from to grow our portfolio, our expanded operations will also increase our manpower requirements and push employees do not belong to any labour union. We do not engage any long term contract employees. While a customer, the goods can be seized by authorities.Once seized by the authorities, gold items will be stored up operational costs.Our growth will also require a relatively higher gross spread, or margin, on the we believe that we maintain good relationships with our employees, there can be no assurance that we in court storage facilities without a surety arrangement. No recourse will generally be available to Company consumer lending products we offer in order to maintain profitability. There can be no assurance that we will not experience future disruptions to our operations due to disputes or other problems with our work in the event of such seizure, except the recovery of the loss from the customer. will be able to maintain our current levels of profitability if the gross spreads on our consumer lending force, which may adversely affect our business and results of operations. 45. We do not own our branches of operation. Except for 14 branch offices, which are owned products were to reduce substantially, which could adversely affect our results of operations. 33. Our inability to obtain, renew or maintain our statutory and regulatory permits by us, all our branches are located on leased premises.If any of the owners of these premises does not 24. Our ability to access capital also depends on our credit ratings. The cost and availability and approvals required to operate our business may have a material adverse effect renew an agreement under which we occupy the premises, or if any of the owners seeks to renew an of capital is also dependent on our short-term and long-term credit ratings. We have been assigned on our business. NBFCs in India are subject to strict regulations and supervision by the RBI. In agreement on terms and conditions unfavorable to us, we may suffer a disruption in our operations or an”[ICRA]A1+” rating by ICRA for commercial paper and for short-term non-convertible debentures of ` addition to the numerous conditions required for the registration as a NBFC with the RBI, we are required increased costs, or both, which may adversely affect our business and results of operations. 2,000.0 million, and a “CRISIL A1+” rating by CRISIL for short term debt instruments of ` 40,000.0 to maintain certain statutory and regulatory permits and approvals for our business. In the future, we will 46. Some of the lease agreements entered into by our Company with respect to our million. We have been assigned a “CRISIL AA-/Stable” rating by CRISIL for our ` 5,000.0 million non- be required to renew such permits and approvals and obtain new permits and approvals for any proposed immovable properties may not be duly registered or adequately stamped, which convertible debentures and our ` 1,000.0 million subordinated debt.ICRA hasassigned an”[ICRA]AA-/ operations. There can be no assurance that the relevant authorities will issue any of such permits or may adversely affect our operations. Some of our lease agreements with respect to our Stable” rating for our ` 2,000.0 million non-convertible debentures and our ` 1,000.0 million subordinated approvals in the time-frame anticipated by us or at all. Failure by us to renew, maintain or obtain the immovable properties may not be adequately stamped or duly registered. Unless such documents are debt.We have been assigned a long-term rating of “[ICRA]AA-/Stable” and a short-term rating of “[ICRA]A1+” required permits or approvals may result in the interruption of our operations and may have a material adequately stamped or duly registered, such documents may be rendered as inadmissible as evidence in by ICRA for our ` 60,000 million line of credit. Ratings reflect a rating agency’s opinion of our financial adverse effect on our business, financial condition and results of operations. In addition, our branches are a court in India or attract penalty as prescribed under applicable law, which may result in a material strength, operating performance, strategic position, and ability to meet our obligations. While our recent required to be registered under the relevant shops and establishments laws of the states in which they are adverse effect on the continuance of the operations and business of our Company. credit ratings have been positive, any downgrade of our credit ratings would increase borrowing costs and located. The shops and establishment laws regulate various employment conditions, including working EXTERNAL RISK FACTORS constrain our access to capital and lending markets and, as a result, would negatively affect our business. hours, holidays and leave and overtime compensation.Some of our branches have not applied for such Risk factors related to India In addition, downgrades of our credit ratings could increase the possibility of additional terms and conditions registration while other branches still have applications for registration pending. If we fail to obtain or 47. Political instability or changes in the Government of India could adversely affect being added to any new or replacement financing arrangements. retain any of these approvals or licenses, or renewals thereof, in a timely manner, or at all, our business economic conditions in India and consequently our business. For further details please 25. We may be subject to regulations in respect of provisioning for non-performing may be adversely affected.If we fail to comply, or a regulator claims we have not complied, with any of refer to the Prospectus. assets that are less stringent than in some other countries. RBI guidelines prescribe the these conditions, our certificate of registration may be suspended or cancelled and we shall not be able 48. If communal disturbances or riots erupt in India, or if regional hostilities increase, provisioning required in respect of our outstanding loan portfolio. These provisioning requirements may to carry on such activities. this would adversely affect the Indian economy, and our business, financial condition require us to reserve lower amounts than the provisioning requirements applicable to financial institutions 34. We are subject to legal and regulatory risk which may adversely affect our and results of operations. For further details please refer to the Prospectus. and banks in other countries. The provisioning requirements may also require the exercise of subjective business. As a non-deposit taking NBFC, we are subject to a wide variety of financial services laws and 49. A slowdown in the economic growth in India could cause our business to suffer. judgments of management. The level of our provisions may not be adequate to cover further increases regulations and are supervised by a large number of regulatory and enforcement authorities in India, For further details please refer to the Prospectus. in the amount of our non-performing assets or a decrease in the value of the underlying gold collateral. including the RBI. The laws and regulations governing the banking and financial services industry in India 50. A downgrade of India’s sovereign debt rating may adversely affect our ability to If such provisions are not sufficient to provide adequate cover for loan losses that may occur, or if we are have become increasingly complex and cover a wide variety of issues, such as capital adequacy, exposure raise additional debt financing. For further details please refer to the Prospectus. required to increase our provisions, this could have an adverse effect on our financial condition, liquidity and other prudential norms, interest rates, liquidity, securitisation, investments, ethical issues, know-your- 51. India is vulnerable to natural disasters that could severely disrupt the normal and results of operations and may require us to raise additional capital. For further details, see “Our customer guidelines, money laundering and privacy, with sometimes overlapping enforcement authorities. operation of our Business. For further details please refer to the Prospectus. Business - Non-performing Assets (NPAs) - Provisioning policy”, as also in the section “Regulations and For instance, a number of states in India have enacted laws to regulate money lending transactions. These 52. A decline in India’s foreign exchange reserves may affect liquidity and interest Policies in India - Systemically Important ND-NBFCs - Prudential Norms - Provisioning Requirements” of state laws establish maximum rates of interest that can be charged by a person lending money. The RBI, rates in the Indian economy, which could adversely impact our financial condition. the Prospectus. however, has not established a ceiling on the rate of interest that can be charged by a NBFC in our sector For further details please refer to the Prospectus. 26. We may have to comply with stricter regulations and guidelines issued by of operations. Currently, the RBI requires that the board of all NBFCs adopt an interest rate policy taking 53. Companies operating in India are subject to a variety of central and state regulatory authorities in India. We are regulated principally by and have reporting obligations to into account relevant factors such as the cost of funds, margin and risk premium. The rate of interest and government taxes and surcharges. For further details please refer to the Prospectus. the RBI. We are also subject to the corporate, taxation and other laws in effect in India. The regulatory the approach for gradation of risk and the rationale for charging different rates of interest for different Risks relating to the Issue and legal framework governing us differs in certain material respects from that in effect in other countries categories of borrowers are required to be disclosed to the borrowers in the application form and expressly 54. We cannot guarantee the accuracy or completeness of facts and other statistics and may continue to change as India’s economy and commercial and financial markets evolve. In recent communicated in the sanction letter. For further details please refer to the Prospectus. with respect to India, the Indian economy and the NBFC and Gold Loan industries years, existing rules and regulations have been modified, new rules and regulations have been enacted 35. Major lapses of control, system failures or calamities could adversely impact our contained in the Prospectus. While facts and other statistics in the Prospectus relating to India, and reforms have been implemented which are intended to provide tighter control and more transparency business. We are vulnerable to risks arising from the failure of employees to adhere to approved the Indian economy as well as the Gold Loan industry has been based on various publications and reports in India’s Gold Loan industry. Moreover, new regulations may be passed that restrict our ability to do procedures, failures of security system, information system disruptions, communication systems failure from agencies that we believe are reliable, we cannot guarantee the quality or reliability of such materials, business.For example, regulatory restrictions on securitisation may be extended to bilateral assignment and data interception during transmission through external communication channels and networks. Failure particularly since there is limited publicly available information specific to the Gold Loan industry. While transactions, resulting in loss of arbitrage options. We cannot assure you that we will not be subject to any to detect these breaches in security may adversely affect our operations. we have taken reasonable care in the reproduction of such information, industry facts and other statistics adverse regulatory action in the future. Further, these regulations are subject to frequent amendments and 36. Our ability to borrow from various banks may be restricted on account of have not been prepared or independently verified by us or any of our respective affiliates or advisers and, depend upon government policy. Our present operations may not meet all regulatory requirements or guidelines issued by the RBI imposing restrictions on banks in relation to their therefore we make no representation as to their accuracy or completeness. These facts and other statistics subsequent regulatory amendments.The costs of compliance may be high, which may affect our profitability.If exposure to NBFCs. Under RBI Master Circular No. RBI/2010-11/68 DBOD No.Dir.BC.14/13.03.00/ include the facts and statistics included in the section titled “About the Issuer and Industry Overview” of we are unable to comply with any such regulatory requirements, our business and results of operations 2010-11 issued on July 1, 2010, the exposure (both lending and investment, including off balance sheet the Prospectus. Due to possibly flawed or ineffective data collection methods or discrepancies between may be materially and adversely affected. exposures) of a bank to a single NBFC should not exceed 10%, of the bank’s capital funds as per its last published information and market practice and other problems, the statistics herein may be inaccurate or 27. Our loan portfolio is not classified as priority sector advances by the RBI. The RBI audited balance sheet. Banks may, however, assume exposures on a single NBFC up to 15%, of their may not be comparable to statistics produced elsewhere and should not be unduly relied upon. Further, currently mandates domestic commercial banks operating in India to maintain an aggregate 40.0% capital funds provided the exposure in excess of 10% is on account of funds on-lent by the NBFC to the there is no assurance that they are stated or compiled on the same basis or with the same degree of (32.0% for foreign banks) of their adjusted net bank credit or credit equivalent amount of off-balance sheet infrastructure sector. Further, banks may also consider fixing internal limits for their aggregate exposure accuracy, as the case may be, elsewhere. exposure, whichever is higher as “priority sector advances”. These include advances to agriculture, small to all NBFCs put together. This limits the exposure that banks may have on NBFCs such as us, which may 55. There are other lenders and debenture trustees who have pari passu charge enterprises, exports and similar sectors where the Government seeks to encourage flow of credit for restrict our ability to borrow from such banks and may increase our cost of borrowing, which could adversely over the Security provided There are other lenders and debenture trustees of the Company who developmental reasons. Banks in India that have traditionally been constrained or unable to meet these impact our growth, margins and business operations. have pari passu charge over the Security provided for the Issue. While the Company is required to maintain requirements organically, have relied on specialised institutions like our Company that are better positioned 37. We have entered into certain transactions with related parties. We have entered into an asset cover of 1 time the outstanding amount of the NCDs, upon the Company’s bankruptcy, winding- to or focus on originating such assets through on-lending or purchase of assets or securitised pools to transactions with several related parties, including our Promoters, Directors and Group Entities.We can up or liquidation, the other lenders and debenture trustees will rank pari passu with the NCD holders and comply with these targets. As per our audited financial statements, our outstanding amounts of sold give no assurance that we could not have achieved more favourable terms had such transactions not been to that extent, may reduce the amounts recoverable by the NCD holders. As per Regulation 17(2) read with portfolio under bilateral assignments were` 8,130.2 million, ` 20,083.2 million,` 41,863.9 million and entered into with related parties. Furthermore, it is likely that we will enter into related party transactions Schedule I of the SEBI Debt Regulations, the Company is required to obtain permissions / consents from ` 25,875.0 million for the years ended March 31, 2009, 2010, 2011and period ended September 30, 2011, in the future. There can be no assurance that such transactions, individually or in the aggregate, will not the prior creditors in favour of the debenture trustee for creation of such pari passu charge and the same respectively. The entire portfolio sold under bilateral assignments were categorised as a priority sector have an adverse effect on our financial condition and results of operations. The transactions we have is required to be disclosed. Accodingly, the Company has applied for and obtained consent from all other advance for the years ended March 31, 2009, 2010, partly of ` 33,737.0 million for the year ended March entered into and any future transactions with our related parties have involved or could potentially involve lenders and debenture trustees for creation of a first pari passu charge over the Security. 31, 2011 and partly of ` 18,970.40million for the period ended September 30, 2011. Notification issued conflicts of interest. For further details regarding our related party transactions, see section titled “Financial 56. Changes in interest rate may affect the price of our NCD All securities where a fixed rate by the RBI in February 2011, has stipulated that loans sanctioned to NBFCs for on lending to individuals Information” of the Prospectus. of interest is offered, such as our NCDs, are subject to price risk. The price of such securities will vary or other entities against gold jewellery would not be eligible for classification as agriculture sector 38. We have not entered into any definitive agreements to utilise a substantial portion inversely with changes in prevailing interest rates, i.e. when interest rates rise, prices of fixed income advances in the context of priority sector lending guidelines issued by RBI. Accordingly, our ability to raise of the net proceeds of the Issue. We intend to use the Net Proceeds for the purposes described securities fall and when interest rates drop, the prices increase. The extent of fall or rise in the prices is capital by selling down our gold loan portfolio under bilateral assignments will be hampered in the future in the section “Objects of the Issue” of the Prospectus. We currently intend to use the Net Proceeds from a function of the existing coupon, days to maturity and the increase or decrease in the level of prevailing and impact our ability to raise funds through loans from banks, which may adversely affect our financial the Issue to fund our growth. Our management will have broad discretion to use the Net Proceeds and you interest rates. Increased rates of interest, which frequently accompany inflation and/or a growing economy, condition and results of operations. will be relying on the judgment of our management regarding the application of these Net Proceeds. Our are likely to have a negative effect on the price of our NCDs. 28. Our ability to assess, monitor and manage risks inherent in our business differs funding requirements are based on current conditions and are subject to change in light of changes in 57. You may not be able to recover, on a timely basis or at all, the full value of the from the standards of some of our counterparts in India and in some developed external circumstances or in our financial condition, business or strategy. Our management, in response outstanding amounts and/or the interest accrued thereon in connection with the countries. We are exposed to a variety of risks, including liquidity risk, interest rate risk, credit risk, to the competitive and dynamic nature of the industry, will have the discretion to revise its business plan NCDs. Our ability to pay interest accrued on the NCDs and/or the principal amount outstanding from time operational risk and legal risk. The effectiveness of our risk management is limited by the quality and from time to time. Any such change in our plans may require rescheduling of our current plans or discontinuing to time in connection therewith would be subject to various factors inter-alia including our financial timeliness of available data. Our hedging strategies and other risk management techniques may not be existing plans and an increase or decrease in the fund requirements for the objects, at the discretion of condition, profitability and the general economic conditions in India and in the global financial markets.We fully effective in mitigating our risks in all market environments or against all types of risk, including risks the management. Pending utilisation for the purposes described above, we intend to temporarily invest cannot assure you that we would be able to repay the principal amount outstanding from time to time on the that are unidentified or unanticipated. Some methods of managing risks are based upon observed historical the funds in interest bearing liquid instruments including deposits with banks and investments in liquid NCDs and/or the interest accrued thereon in a timely manner or at all. Although our Company will create market behaviour. As a result, these methods may not predict future risk exposures, which could be greater (not equity) mutual funds. Such investments would be in accordance with the investment policies approved appropriate security in favour of the Debenture Trustee for the NCD holders on the assets adequate to ensure than the historical measures indicated. Other risk management methods depend upon an evaluation of by our Board from time to time. 100% asset cover for the NCDs, which shall be free from any encumbrances, the realisable value of the assets information regarding markets, customers or other matters. This information may not in all cases be 39. We continue to be controlled by our Promoters and they will continue to have the charged as security, when liquidated, may be lower than the outstanding principal and/or interest accrued accurate, complete, up-to-date or properly evaluated. Management of operational, legal or regulatory risk ability to exercise significant control over us. Our Promoters along with relatives hold, 80.12% thereon in connection with the NCDs. A failure or delay to recover the expected value from a sale or disposition requires, among other things, policies and procedures to properly record and verify a number of transactions of our outstanding Equity Shares as on September 30, 2011. As a result, our Promoters will continue to of the assets charged as security in connection with the NCDs could expose you to a potential loss. and events. Although we have established these policies and procedures, they may not be fully effective. exercise significant control over us, including being able to control the composition of our Board and 58. If we do not generate adequate profits, we may not be able to maintain an adequate Our future success will depend, in part, on our ability to respond to new technological advances and determine matters requiring shareholder approval or approval of our Board. Our Promoters may take or DRR for the NCDs issued pursuant to the Prospectus. Section 117C of the Act states that emerging financing institution and Gold Loan industry standards and practices on a cost-effective and block actions with respect to our business, which may conflict with our interests or the interests of our any company that intends to issue debentures must create a DRR to which adequate amounts shall be timely basis. The development and implementation of such technology entails significant technical and minority shareholders. By exercising their control, our Promoters could delay, defer or cause a change of credited out of the profits of the company until the debentures are redeemed. The Ministry of Corporate business risks. There can be no assurance that we will successfully implement new technologies or adapt our control or a change in our capital structure, delay, defer or cause a merger, consolidation, takeover or Affairs has, through its circular dated April 18, 2002, (“Circular”), specified that the quantum of DRR to our transaction-processing systems to customer requirements or emerging market standards. other business combination involving us, discourage or encourage a potential acquirer from making a be created before the redemption liability actually arises in normal circumstances should be ‘adequate’ 29. Any failure by us to identify, manage, complete and integrate acquisitions, tender offer or otherwise attempting to obtain control of us. to pay the value of the debentures plus accrued interest, (if not already paid), till the debentures are divestitures and other significant transactions successfully could adversely affect 40. Our business strategy may change in the future and may be different from that redeemed and cancelled. The Circular however further specifies that, for NBFCs like our Company, our results of operations, business and prospects. As part of our business strategy, we may which is contained herein. Our current business strategy is to expand our branch network and (NBFCs which are registered with the RBI under Section 45-IA of the RBI Act), the adequacy of the DRR acquire complementary companies or businesses, divest non-core businesses or assets, enter into strategic increase our Gold Loan portfolio.We cannot assure you that we will continue to follow these business will be 50% of the value of debentures issued through the public issue. Accordingly our Company is MUTHOOT FINANCE LIMITED 7
- 8. IN THE NATUREOF FORM 2A - MEMORANDUM CONTAINING SALIENT FEATURES OF THE PROSPECTUS required to create a DRR of 50% of the value of debentures issued through the public issue. As further November 29, 2011 and ‘[ICRA] AA-/Stable’ by ICRA for an amount of upto ` 6,000.00 million vide its have not been appraised by any bank or financial institution We intend to use the proceeds clarified by the Circular, the amount to be credited as DRR will be carved out of the profits of the company letter dated November 29, 2011. The rating of the NCDs by CRISIL and ICRA indicates high degree of of the Issue, after meeting the expenditures of and related to the Issue, for our various financing activities only and there is no obligation on the part of the company to create DRR if there is no profit for the safety regarding timely servicing of obligations and carry very low credit risk. The ratings provided by including lending and investments, subject to applicable statutory and/or regulatory requirements, to particular year. Accordingly, if we are unable to generate adequate profits, the DRR created by us may CRISILand ICRAmay be suspended, withdrawn or revised at any time by the assigning rating agency and repay our existing loans and our business operations including for our capital expenditure and working not be adequate to meet the 50% of the value of the NCDs. This may have a bearing on the timely should be evaluated independently of any other rating. These ratings are not a recommendation to buy, capital requirements. For further details, see section titled “Objects of the Issue” of the Prospectus.The fund redemption of the NCDs by our Company. sell or hold securities and investors should take their own decisions. Please refer the Prospectus for rating requirement and deployment is based on internal management estimates and has not been appraised by any 59. There may be no active market for the NCDs on the retail debt market/capital letter and rationale for the above rating. bank or financial institution. The management will have significant flexibility in applying the proceeds received market segment of the BSE Limited. As a result the liquidity and market prices of the 62. Securities on our NCDs rank as firstparipassu with our Company’s secured by us from the Issue. Further, as per the provisions of the Debt Regulations, we are not required to appoint NCDs may fail to develop and may accordingly be adversely affected. There can be no indebtedness Substantially all of our Company’s current assets represented mainly by Gold Loan a monitoring agency and therefore no monitoring agency has been appointed for this Issue. assurance that an active market for the NCDs will develop. If an active market for the NCDs fails to develop receivables are being used to secure our Company’s debt.As at September 30, 2011 our Company’s Prominent Notes: • This is a public issue ofNCDs aggregating upto ` 3,000 million with an option or be sustained, the liquidity and market prices of the NCDs may be adversely affected. The market price secured debt was ` 134,850 million. Securities on our NCDs will rank pari passu with any of our Company’s to retain over-subscription upto ` 3,000 million for issuance of additional NCDs aggregating to a total of of the NCDs would depend on various factors inter alia including (i) the interest rate on similar securities secured obligations with respect to the assets that secure such obligations. The terms of the NCDs do not upto ` 6,000 million. • For details on the interest of our Company’s Directors, please refer to the sections available in the market and the general interest rate scenario in the country, (ii) the market price of our prevent our Company from incurring additional debt. In addition, the NCDs will rank pari passu to the titled “Our Management” and “Capital Structure” of the Prospectus • Our Company has entered into certain Equity Shares, (iii) the market for listed debt securities, (iv) general economic conditions, and, (v) our existing and future indebtedness and other secured liabilities and obligations of our Company. related party transactions, within the meaning of AS 18 as notified by the Companies (Accounting financial performance, growth prospects and results of operations. The aforementioned factors may adversely 63. Security provided for the Issue may not be enforceable Standards) Rules, 2006, as disclosed in the section titled “Financial Information” of the Prospectus. • Any affect the liquidity and market price of the NCDs, which may trade at a discount to the price at which you We have certain proceedings pending under the IT Act before the Income Tax Appellate Tribunal. Under clarification or information relating to the Issue shall be made available by the Lead Managers, Co-Lead purchase the NCDs and/or be relatively illiquid. Section 281 of the IT Act and circular bearing number 04/2011 dated July 19, 2011, our Company is Managers and our Company to the investors at large and no selective or additional information would be 60. There may be a delay in making refund to applicants We cannot assure you that the required to obtain prior consent of the assessing officer to create the Security provided for the Issue to the available for a section of investors in any manner whatsoever. • Investors may contact the Registrar to the monies refundable to you, on account of (i) withdrawal of your applications, (ii) our failure to receive extent classified as assets under Section 281 of the IT Act, during the pendency of such proceedings. We Issue, Compliance Officer, the Lead Managers, and Co-Lead Managers, for any complaints pertaining to minimum subscription in connection with the Base Issue, (ii) withdrawal of the Issue, or (iii) failure to have made an application to the relevant assessing officer seeking such prior consent on the Issue. In case of any specific queries on allotment/refund, Investor may contact the Registrar to the obtain the final approval from the BSE for listing of the NCDs, will be refunded to you in a timely manner. December 15, 2011. In the event that such consent is not granted, the Security provided for the Issue to Issue. • In the event of oversubscription to the Issue, allocation of NCDs will be as per the section titled We however, shall refund such monies, with the interest due and payable thereon as prescribed under the extent classified as ‘Assets’ under Section 281 of the IT Act will be void as against any claim in respect “Basis of Allotment” of the Prospectus. • Our Equity Shares are listed on the NSE and BSE. • As of applicable statutory and/or regulatory provisions. of any tax or any other sum payable by the Company, including as a result of the completion of these September 30, 2011, we had certain contingent liabilities not provided for, amounting to ` 3,229.35 61. Any downgrading in credit rating of our NCDs may affect the value of NCDs and proceedings. million.For further information on such contingent liabilities, see section titled “Financial Information” of thus our ability to raise further debts. The NCDs proposed to be issued under this Issue have Risks relating to the NCDs the Prospectus. • For further information relating to certain significant legal proceedings that we are been rated ‘CRISIL AA-/Stable’ by CRISIL for an amount of upto ` 6,000.00 million vide its letter dated 64. The fund requirement and deployment mentioned in the Objects of the Issue involved in, see section titled “Pending Proceedings and Statutory Defaults” of the Prospectus. GENERAL INFORMATION and Chairman Director Identification Number: 00018201 George Thomas Muthoot Age: 60 Whole Time Director As on the date of thisProspectus, there are no defaults in meeting statutory dues, institutional dues, and towards Our Company was originally incorporated as a private limited company on March 14, 1997 under the provisions Director Identification Number: 00018281 George Jacob Muthoot Age: 59 Designation: Whole Time Director holders of instrument like debentures, fixed deposits and arrears on cumulative preference shares, etc, by our of the Companies Act, 1956, with the name “The Muthoot Finance Private Limited”.Subsequently, by a fresh Director’s Identification Number: 00018235 George Alexander Muthoot Age: 56 Managing Director Director Company or by public companies promoted by the Promoters and listed on the BSE Limited. For further details certificate of incorporation dated May 16, 2007, our name was changed to “Muthoot Finance Private Limited”.Our Identification Number: 00016787 P. George Varghese Age: 62 Independent Director Director’s Identification please refer to the Prospectus. Company was converted into a public limited company on November 18, 2008 with the name “Muthoot Number: 00317319 K. John Mathew Age: 78 Independent Director Director’s Identification Number: 00371128 OTHER REGULATORY AND STATUTORY DISCLOSURES Finance Limited” and received a fresh certificate of incorporation consequent to change in status on John K. Paul Age: 57 Independent Director Director Identification Number: 00016513 George Joseph Age: 61 Authority for the Issue:At the meeting of the Board of Directors of our Company, held on December 05, 2011 December 02, 2008 from the Registrar of Companies, Kerala and Lakshadweep. Independent Director Director Identification Number: 00253754. For further details please refer to the Prospectus. the Directors approved the issue of NCDs to the public upto an amount not exceeding ` 6,000million. Registered Office - Muthoot Finance Limited, Muthoot Chambers, Opposite Saritha Theatre Complex, 2nd Floor, OUR PROMOTER Prohibition by SEBI:Our Company, persons in control of our Company and/or our Promoters have not been Banerji Road, Kochi 682 018, Kerala, India, Tel: (91 484) 239 4712, Fax: (91 484) 239 6506, Website: Profile of our Promoters: The following individuals are the Promoters of the Company: 1. M.G. George Muthoot; restrained, prohibited or debarred by SEBI from accessing the securities market or dealing in securities and no www.muthootfinance.com ,Email: cs@muthootgroup.com • For details of change in registered office, refer to 2. George Thomas Muthoot; 3. George Jacob Muthoot; and 4. George Alexander Muthoot; For additional such order or direction is in force. Further, no member of our promoter group has been prohibited or debarred the section titled “History and Main Objects” of the Prospectus. • Registration - Registration Number: 011300 details on the age, background, personal address, educational qualifications, experience, experience in the by SEBI from accessing the securities market or dealing in securities due to fraud. • Corporate Identity Number: U65910KL1997PLC011300 issued by the Registrar of Companies, Kerala and business of the Company, positions/posts held in the past, terms of appointment as Directors and other Disclaimer Clause of the BSE: BSE LIMITED (“THE EXCHANGE”) HAS GIVEN VIDE ITS LETTER Lakshadweep. Certificate of registration bearing number N. 16.00167 under Section 45IA of the RBI Act, 1934 directorships of our Promoters, see section titled "Our Management" of the Prospectus. DATED DECEMBER 15, 2011, PERMISSION TO THIS COMPANY TO USE THE EXCHANGE’S NAME IN from the RBI dated December 12, 2008 from the RBI to carry on the business of a non-banking financial SUMMARY FINANCIAL INFORMATION THIS OFFER DOCUMENT AS ONE OF THE STOCK EXCHANGES ON WHICH THIS COMPANY’S institution without accepting public deposits. The following tables present an extract of Reformatted Summary Financial Statements. The Reformatted SECURITIES ARE PROPOSED TO BE LISTED. THE EXCHANGE HAS SCRUTINIZED THIS OFFER Impersonation: As a matter of abundant precaution, attention of the investors is specifically drawn to the Summary Financial Statements should be read in conjunction with the examination report thereon issued DOCUMENT FOR ITS LIMITED INTERNAL PURPOSE OF DECIDING ON THE MATTER OF GRANTING provisions of sub-section (1) of section 68A of the Act, relating to punishment for fictitious applications. by our Statutory Auditors and statement of significant accounting policies and notes to accounts on the THE AFORESAID PERMISSION TO THIS COMPANY. THE EXCHANGE DOES NOT IN ANY MANNER: Minimum Subscription: Under the Debt Regulations, our Company is required to stipulate a minimum subscription Reformatted Summary Financial Statements contained in the section titled “Financial Information” of the a. WARRANT, CERTIFY OR ENDORSE THE CORRECTNESS OR COMPLETENESS OF ANY OF THE amount which it seeks to raise. The consequence of minimum subscription amount not being raised is that the Prospectus. CONTENTS OF THIS OFFER DOCUMENT; OR b. WARRANT THAT THIS COMPANY’S SECURITIES Issue shall not proceed and the entire application moneys received are refunded to the Applicants. If our ANNEXURE-I: REFORMATTED SUMMARY STATEMENT OF ASSETS AND LIABILITIES WILL BE LISTED OR WILL CONTINUE TO BE LISTED ON THE EXCHANGE; OR c. TAKE ANY Company does not receive the minimum subscription of 75% of the base issue amount i.e. ` 2,250 million, ` In Millions RESPONSIBILITY FOR THE FINANCIAL OR OTHER SOUNDNESS OF THIS COMPANY, ITS prior to the Issue Closing Date, the entire subscription amount shall be refunded to the Applicants within 30 Particulars Sche- As at As at As at As at As at As at PROMOTERS, ITS MANAGEMENT OR ANY SCHEME OR PROJECT OF THIS COMPANY. AND IT days from the date of closure of the Issue. If there is delay in the refund of subscription by more than eight days dule September March March March March March SHOULD NOT FOR ANY REASON BE DEEMED OR CONSTRUED THAT THIS OFFER DOCUMENT after our Company becomes liable to refund the subscription amount, our Company will pay interest for the No. 30, 2011 31, 2011 31, 2010 31, 2009 31, 2008 31, 2007 HAS BEEN CLEARED OR APPROVED BY THE EXCHANGE. EVERY PERSON WHO DESIRES TO delayed period, at rates prescribed under sub-sections (2) and (2A) of Section 73 of the Companies Act, 1956. I Fixed Assets I APPLY FOR OR OTHERWISE ACQUIRES ANY SECURITIES OF THIS COMPANY MAY DO SO Credit Rating and Rationale : The NCDs proposed to be issued under this Issue have been rated 'CRISIL AA- Gross Block 2,911.60 2,463.34 1,691.09 1,482.66 1,215.25 646.37 PURSUANT TO INDEPENDENT INQUIRY, INVESTEGATION AND ANALYSIS AND SHALL NOT HAVE /Stable' by CRISILfor an amount of upto ` 6,000.00 million vide its letter dated November 29, 2011, and Less: Accumulated Depreciation/Amortization 760.69 627.77 449.04 320.76 222.74 149.48 ANY CLAIM AGAINST THE EXCHANGE WHATSOEVER BY REASON OF ANY LOSS WHICH MAY BE '[ICRA] AA-/Stable' by ICRAfor an amount of upto ` 6,000.00million vide its letter dated November 29, 2011. Net Block 2,150.91 1,835.57 1,242.05 1,161.90 992.51 496.89 SUFFERED BY SUCH PERSON CONSEQUENT TO OR IN CONNECTION WITH SUCH The rating of the NCDs by CRISILindicates a high degree of safety regarding timely servicing of financial Capital Work in Progress 473.94 505.27 290.65 131.19 93.64 135.40 SUBSCRIPTION/ACQUISITION WHETHER BY REASON OF ANYTHING STATED OR OMITTED TO obligationsand carry very low credit risk. The rating of NCDs by ICRAindicates ahigh degree of safety regarding 2,624.85 2,340.84 1,532.71 1,293.10 1,086.15 632.29 BE STATED HEREIN OR FOR ANY OTHER REASON WHATSOEVER. timely servicing of financial obligations and carry very low credit risk. The ratings provided by CRISILand/or II Investments II 75.05 75.05 75.05 85.31 183.43 242.15 Disclaimer Clause of the RBI: THE COMPANY IS HAVING A VALID CERTIFICATE OF REGISTRATION ICRA may be suspended, withdrawn or revised at any time by the assigning rating agency and should be DATED DECEMBER 12, 2008 ISSUED BY THE RESERVE BANK OF INDIA UNDER SECTION 45 IA OF THE III Deferred Tax Assets, (Net) 5.06 (24.73) (-24.84) (-37.87) (-41.73) (-47.31) evaluated independently of any other rating. These ratings are not a recommendation to buy, sell or hold RESERVE BANK OF INDIA ACT, 1934. HOWEVER,THE RBIDOES NOT ACCEPT ANY RESPONSIBILITY OR IV Current Assets, Loans and Advances GUARANTEE ABOUT THE PRESENT POSITION AS TO THE FINANCIAL SOUNDNESS OF THE COMPANY securities and investors should take their own decisions. Please refer to the Prospectus for rating letter and Sundry Debtors III 159.37 53.94 33.45 40.95 34.92 21.66 rationale for the above rating. OR FOR THE CORRECTNESS OF ANY OF THE STATEMENTS OR REPRESENTATIONS MADE OR OPINIONS Cash and Bank Balances IV 13,322.22 13,754.95 5,759.92 8,825.32 2,580.38 563.21 Utilisation of Issue proceeds: Please refer General Instruction 52. EXPRESSED BY THE COMPANY AND FOR REPAYMENT OF DEPOSITS/ DISCHARGE OF LIABILITY BY Other Current Assets V 6,521.71 5,919.68 2,408.14 1,658.09 967.91 787.06 THE COMPANY. Issue Programme:The subscription list for the Issue shall remain open for subscription at the commencement Loans and Advances VI 1,84,504.85 1,17,517.75 54,616.99 25,735.53 18,046.59 13,893.02 Listing:The NCDs proposed to be offered in pursuance of the Prospectus will be listed on the BSE. We have of banking hours and shall close at the close of banking hours on the dates indicated below or earlier or on 2,04,508.15 1,37,246.32 62,818.49 36,259.89 21,629.80 15,264.95 received the in-principle approval dated December 15, 2011 from the BSE. such date, as may be decided at the discretion of the Board of Directors or any committee of the Board of 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 If permissions to deal in and for an official quotation of our NCDs are not granted by the BSE, our Company Directors of our Company subject to necessary approvals V Liabilities and Provisions will forthwith repay, without interest, all moneys received from the applicants in pursuance of the Prospectus. ISSUE OPENS ON DECEMBER 22, 2011 Secured Loans VII 1,34,849.95 1,02,111.55 45,471.22 30,087.45 18,400.19 13,117.52 Consents:For details please refer to the Prospectus. ISSUE CLOSES ON JANUARY 07, 2012 Unsecured Loans VIII 37,717.95 17,274.31 7,334.03 1,568.48 752.87 709.00 Expert Opinion:For details please refer to the Prospectus. Current Liabilities IX 5,842.72 3,878.71 4,524.35 1,805.57 1,224.88 459.10 Common form of Transfer:For details please refer to the Prospectus. The subscription list shall remain open for a period as indicated, with an option for early closure or extension Provisions X 2,682.22 3,031.00 1,229.90 524.46 348.65 214.43 Minimum Subscription:For details please refer to the Prospectus. by such period, up to a period of 30 days from date of opening of the Issue, as may be decided by the duly B=(V) 1,81,092.84 1,26,295.56 58,559.50 33,985.96 20,726.59 14,500.06 Filing of the Draft Prospectus and Prospectus:The Draft Prospectus has been filed and the Prospectus will be filed authorised committee of the Board constituted by resolution of the Board dated July 25, 2011. In the event of such NET WORTH A-B 26,120.27 13,341.92 5,841.92 3,614.47 2,131.07 1,592.03 with BSE in terms of Regulation 7 of the Debt Regulations for dissemination on their website. :For further early closure of subscription list of the Issue, our Company shall ensure that notice of such early closure is given Net Worth Represented by details please refer to the Prospectus. on or before the day of such early date of closure through advertisement/s in a leading national daily newspaper. Share Capital XI Debenture Redemption Reserve:For details please refer to the Prospectus. CAPITAL STRUCTURE Issue Related Expenses:For details please refer to the Prospectus. - Equity Shares 3,717.13 3,202.13 3,010.00 490.00 50.00 50.00 Details of share capital:The share capital of our Company as at date of the Prospectus is set forth below: Underwriting:This Issue has not been underwritten. Amount in ` Reserves and Surplus Details regarding the Company and other listed companies under the same management within the meaning - Securities Premium XII 10,570.78 2,364.77 - 755.00 275.00 275.00 of section 370(1B), which made any capital issue during the last three years:On May 03, 2011, our Company A Authorised share capital - Statutory Reserve XIII 2,794.04 1,982.02 993.67 538.52 343.08 215.89 issued and allotted 51,500,000 equity shares at a price of ` 175 per such Equity Share, amounting to an aggregate 450,000,000 Equity Shares 4,500,000,000 - Surplus/ (Deficit) in Profit and Loss Account XIV 9,043.25 5,795.20 1,841.79 1,918.75 1,555.50 1,052.04 5,000,000 Redeemable Preference Shares of ` 1,000.00 each 5,000,000,000 of ` 9,012,500,000 pursuant to an initial public offer under the SEBI (Issue of Capital and Disclosure Requirements) Miscellaneous Expenditure XV (4.93) (2.21) (3.54) (87.80) (92.51) (0.90) Regulations, 2009 which opened on April 18, 2011 and closed on April 21, 2011.The electronic credit of the equity TOTAL 9,500,000,000 (to the extent not written off) shares to investors pursuant to the initial public offer was completed on May 04, 2011.There are no listed companies B Issued, subscribed and paid-up share capital NET WORTH 26,120.27 13,341.92 5,841.92 3,614.47 2,131.07 1,592.03 under the same management within the meaning of Section 370(1) (B) of the Companies Act, 1956. 371,712,768 Equity Shares 3,717,127,680 ANNEXURE-II: REFORMATTED SUMMARY STATEMENT OF PROFITS AND LOSSES Commissions and Brokerage on previous issue: ` 151.25 million was incurred towards lead management fees, Share holding pattern of our Company as on September 30, 2011: For further details please refer to the Prospectus. ` In Millions underwriting and selling commission in connection with the public issue of 51,500,000 equity shares at a price Particulars Sche- For the For the For the For the For the For the of ` 175 per such Equity Share, pursuant to an initial public offer under the SEBI (Issue of Capital and OBJECTS OF THE ISSUE Disclosure Requirements) Regulations, 2009. ` 127.74 million was incurred towards lead management fees, Issue proceeds : Our Company has filed the Prospectus with the ROC for a public issue of NCDs aggregating dule period year year year year year No. ended ended ended ended ended ended and selling commission in connection with the public issue of 6,930,000 secured non-convertible debentures upto ` 3,000 million with an option to retain over-subscription upto ` 3,000 million for issuance of additional of face value ` 1,000 each issued at face value, pursuant to a public issue under the Debt Regulations. NCDs aggregating to a total of upto ` 6,000 million.The funds raised through this Issue will be utilised for our September March March March March March 30, 2011 31, 2011 31, 2010 31, 2009 31, 2008 31, 2007 Public / Rights Issues:On May 03, 2011, our Company issued and allotted 51,500,000 equity shares at a price various financing activities including lending and investments, to repay our existing liabilities or loans and INCOME of ` 175 per such Equity Share, pursuant to an initial public offer under the SEBI (Issue of Capital and towards our business operations including for our capital expenditure and working capital requirements, after Interest Income XVI 20,126.05 22,983.44 10,774.52 6,062.39 3,579.37 2,235.85 Disclosure Requirements) Regulations, 2009. meeting the expenditures of and related to the Issue and subject to applicable statutory/regulatory requirements. Other Income XVII 119.39 175.24 119.28 141.63 107.01 103.80 Previous Issue:For details please refer to the Prospectus. The main objects clause of the Memorandum of Association of our Company permits our Company to undertake Stock Market Data:For details please refer to the Prospectus. Total Income 20,245.44 23,158.68 10,893.80 6,204.02 3,686.38 2,339.65 its existing activities as well as the activities for which the funds are being raised through this Issue. DebenturesorbondsandredeemablepreferencesharesandotherinstrumentsissuedbyourCompanyandoutstanding: Monitoring of utilisation of funds : There is no requirement for appointment of a monitoring agency in terms There are certain debentures issued by our Company which are listed on the WDM segment of the NSE and of the SEBI Debt Regulations. The Board of Directors of our Company shall monitor the utilisation of the EXPENDITURE Interest Expense XVIII 9,858.76 10,326.44 4,737.28 3,097.70 1,797.99 998.95 bear ISIN numbers INE414G07027; INE414G07019; INE414G07035 and INE414G08181. No trade data is proceeds of the Issue. Our Company will disclose in the Company’s financial statements for the relevant available since no trades have taken placed in these debentures in NSE, since they were listed, on May 19, 2011. financial year commencing from FY 2012, the utilisation of the proceeds of the Issue under a separate head Personnel Expenses XIX 1,751.90 2,209.49 1,169.44 677.01 405.35 266.31 Administrative & Other Expenses XX 2,322.82 2,638.99 1,190.43 727.93 390.21 284.96 Dividend:Our Company has no stated dividend policy. The declaration and payment of dividends on our shares along with details, if any, in relation to all such proceeds of the Issue that have not been utilised thereby also will be recommended by our Board of Directors and approved by our shareholders, at their discretion, and will indicating investments, if any, of such unutilised proceeds of the Issue. Salary to Whole Time Directors 96.00 192.00 192.23 120.90 48.90 48.90 depend on a number of factors, including but not limited to our profits, capital requirements and overall financial Interim use of proceeds : The management of the Company, in accordance with the policies formulated by it Depreciation 133.51 179.64 148.90 98.78 74.14 70.97 condition. The Company has not declared any dividend on its Equity Shares in the last five financial years. from time to time, will have flexibility in deploying the proceeds received from the Issue. Pending utilisation Total Expenditure 14,162.99 15,546.57 7,438.27 4,722.32 2,716.59 1,670.09 Revaluation of assets:The Company has not revalued its assets in the last five years. of the proceeds out of the Issue for the purposes described above, the Company intends to temporarily invest Mechanism for redressal of investor grievances:The MoU between the Registrar to the Issue and our Company will funds in high quality interest bearing liquid instruments including money market mutual funds, deposits with banks Profit/(Loss) before Tax and Prior Period Items 6,082.44 7,612.11 3,455.53 1,481.70 969.78 669.57 provide for retention of records with the Registrar to the Issue for a period of at least three years from the last or temporarily deploy the funds in investment grade interest bearing securities as may be approved by the Board Prior Period Items [ Expenses / (Income)] - - - - - - date of despatch of the Allotment Advice, demat credit and refund orders to enable the investors to approach / Committee of Directors of the Company, as the case may be. Such investment would be in accordance with the Net Profit/(Loss) before Tax 6,082.44 7,612.11 3,455.53 1,481.70 969.78 669.57 the Registrar to the Issue for redressal of their grievances. All grievances relating to the Issue may be addressed investment policy of our Company approved by the Board or any committee thereof from time to time. Provision for tax to the Registrar to the Issue, giving full details such as name, address of the applicant, number of NCDs applied Other confirmations : In accordance with the SEBI Debt Regulations, our Company will not utilise the proceeds Current Tax 2,052.17 2,670.45 1,192.81 507.94 336.07 207.68 for, amount paid on application and the bank branch or collection centre where the application was submitted. of the Issue for providing loans to or acquisition of shares of any person who is a part of the same group as our Deferred Tax Charge/(Credit) (29.79) (0.11) (13.03) (3.86) (5.58) 17.70 The contact details of Registrar to the Issue are as follows: Link Intime India Private Limited C-13, Pannalal Silk Company or who is under the same management as our Company or any subsidiary of our Company. The Issue Fringe Benefit Tax - - 0.42 3.32 4.40 Mills Compound, L.B.S. Marg, Bhandup (West), Mumbai 400 078, India, Tel: (91 22) 2596 0320, Fax: (91 22) proceeds shall not be utilised towards full or part consideration for the purchase or any other acquisition, inter Total Tax Expense/(Credit) 2,022.38 2,670.34 1,179.78 504.50 333.82 229.78 2596 0329, Toll Free: 1-800-22-0320, Email: mfl.ipo@linkintime.co.in, Investor Grievance Email: alia by way of a lease, of any property. No part of the proceeds from this Issue will be paid by us as consideration Net Profit/(Loss) for the period/year as per 4,060.06 4,941.76 2,275.75 977.20 635.97 439.79 mfl.ipo@linkintime.co.in, Website: www.linkintime.co.in Contact Person: Sachin Achar, SEBI Registration to our Promoter, our Directors, Key Managerial Personnel, or companies promoted by our Promoter except in audited financials No.: INR000004058 We estimate that the average time required by us or the Registrar to the Issue for the the usual course of business. Further the Company undertakes that Issue proceeds from NCDsallotted to banks Adjustments to the Financial Statements - 9.41 (4.46) (5.32) (1.23) redressal of routine investor grievances will be 7 (seven) business days from the date of receipt of the complaint. shall not be used for any purpose, which may be in contravention of the RBI guidelines on bank financing to Less: Deferred Tax Impact on Adjustments - - - - - In case of non-routine complaints and complaints where external agencies are involved, we will seek to redress NBFCsincluding those relating to classification as capital market exposure or any other sectors that are prohibited considered above these complaints as expeditiously as possible. Rajesh A has been appointed as the Compliance Officer of our under the RBI regulations. Adjustment of excess provision of income tax, - - 5.95 - - Company for this issue. The contact details of Compliance Officer of our Company are as follows: Rajesh A., STATEMENT OF TAX BENEFITS : For details please refer to the Prospectus. for earlier years written back Muthoot Chambers, Opposite Saritha Theatre Complex, 2nd Floor, Banerji Road, Kochi 682 018, Kerala, INDUSTRY : For details please refer to the Prospectus. Net Adjustments (Refer note C of Annexure IV) - - 9.41 1.49 (5.32) (1.23) India, Tel: (91 484) 353 5533, Fax: (91 484) 2396506, E-mail: cs@muthootgroup.com. Investors may contact OUR BUSINESS Net Profit/(Loss) 4,060.06 4,941.76 2,285.16 978.69 630.65 438.56 the Registrar to the Issue or the Compliance Officer in case of any pre-issue or post Issue related issues such Overview : We are the largest gold financing company in India in terms of loan portfolio, according to the 2010 Less: Transfer to Statutory Reserve 812.01 988.35 455.15 195.44 127.19 87.96 as non-receipt of Allotment Advice, demat credit, refund orders or interest on application money. update to the IMaCS Research & Analytics Industry Reports, Gold Loans Market in India, 2009 (“IMaCS Industry Surplus/ (Deficit) brought forward from 5,795.20 1,841.79 1,918.75 1,555.50 1,052.04 705.80 Change in Auditors of our Company during the last three years:There has been no change(s) in the Statutory Report, (2010 Update)”). We provide personal and business loans secured by gold jewellery, or Gold Loans, previous period/year Auditors of our Company in the last 3 (three) financial years preceding the date of the Prospectus. primarily to individuals who possess gold jewellery but could not access formal credit within a reasonable time, Impact of reformatting of prior period expenses (4.36) MATERIAL CONTRACTS AND DOCUMENTS FOR INSPECTION:For details please refer to the Prospectus. or to whom credit may not be available at all, to meet unanticipated or other short-term liquidity requirements. relating to periods prior to 01.04.2006 DECLARATION: We, the Directors of the Company, certify that all the relevant provisions of the Companies According to the IMaCS Industry Report (2010 update), as of March 31, 2010 our branch network was the Surplus / (Deficit) available for Appropriation 9,043.25 5,795.20 3,748.76 2,338.75 1,555.50 1,052.04 Act, 1956 and the guidelines issued by the Government of India or the guidelines issued by the Securities and largest among gold loan NBFCs in India. Our Gold Loan portfolio as of September 30, 2011 comprised Appropriation: Exchange Board of India established under Section 3 of the Securities and Exchange Board of India Act, 1992, approximately 5.5 million loan accounts in India that we serviced through 3,274 branches across 20 states, the Issue of Bonus Shares - 1,765.00 420.00 - - as the case may be, have been complied with. We further certify that the disclosures made in the Prospectus national capital territory of Delhi and four union territories in India. As of September 30, 2011, we employed Reduction on account of demerger of radio business - 141.98 - - - are true and correct and in conformity with Schedule II of the Companies Act, 1956, Schedule I of SEBI (Issue 21,543 persons in our operations. For further details please refer to the Prospectus. Surplus/ (Deficit) carried to Balance Sheet 9,043.25 5,795.20 1,841.79 1,918.75 1,555.50 1,052.04 and Listing of Debt Securities) Regulations, 2008, and the Listing Agreement to be executed with the stock HISTORY AND MAIN OBJECTS exchanges, and no statement made in the Prospectus is contrary to the provisions of the Companies Act, 1956 Brief background of our Company : For details please refer to the Prospectus. For further details please refer to the Prospectus. or the Securities and Exchange Board of India Act, 1992 or rules, guidelines and circulars issued thereunder. Main objects of our Company : For details please refer to the Prospectus. DISCLOSURES ON EXISTING FINANCIAL INDEBTEDNESS SIGNED BY ALL DIRECTORS: M. G. George Muthoot - Whole Time Director and Chairman, George Thomas OUR MANAGEMENT A. Details of Secured Borrowings: Our Company’s secured borrowings as on September 30, 2011 amount to Muthoot - Whole Time Director, George Jacob Muthoot - Whole Time Director, George Alexander Muthoot - Board of Directors:The general superintendence, direction and management of our affairs and business are ` 134,849.95 million. For further details please refer to the Prospectus. Managing Director, P. George Varghese - Independent Director, K. John Mathew - Independent Director, John vested in our Board of Directors. We have not appointed any ‘manager’ within the meaning thereof under the B. Details of Unsecured Loans: For details please refer to the Prospectus. K Paul - Independent Director, George Joseph - Independent Director provisions of the Act. Under the Articles of Association, we are required to have not less than three Directors C. Restrictive Covenants under our Financing Arrangements: For details please refer to the Prospectus. Date: December 16, 2011 Place: Kochi, India and not more than 12 Directors. We currently have 8 Directors on the Board out of which 4 Directors, i. e. 50% LEGAL AND OTHER INFORMATION of the total strength of Directors are independent directors. M. G. George Muthoot Age: 62 Whole Time Director PENDING PROCEEDINGS AND STATUTORY DEFAULTS FOR FURTHER DETAILS, PLEASE REFER TO THE PROSPECTUS 8 MUTHOOT FINANCE LIMITED