holdirgCP holding percetrtage as a percetrtrg€oftotal CP outstanding oflhe issuer
I ;Bl Mutual Fund \4ulual Fund 8,750,000,00( 26.92Yo
2 JTI Mulual Fund Vulual Fund 4.750,000,00( 14.61%
3 ClCl Prudential Mutual Fund Vulual Fund 5,000,000,00( 15_380/"
HDFC Mulual Fund 5,000,000,00( 15.38%
5 Kotzk Mahindra Mutual Fund \,Iulual Fund 2,500,000,00( 7.69%
6 L&T Mutual Fund \'lutual Fund 3,250,000.00( toa/o
'7 \1utual Fund 1,000,000,00( 3.07r/o
8 \,lahindra MulualFund \,lulual Fund 1,000,000,00( 3_0'70/"
9 \,lerea Mutual Fund \,lulual Fund 1,000,000.00( 3_010/"
t0 ESAF Small F;nance Bank Bank 250,000,00c 0.61
2, Mrterirl Inform.tior:
Delails ofall defaulrs and/or delay in payments ofint rest and principal ofcPs, (including technical delay), debt securities, rerm
loans, extemal conmercial borrowings and other financial indebledness including corporate guamntee issued in the past 5 financial
years including in the c'frent financial year. NA
Ongoing and/or outstanding material litig.tion and regulatory strictues, ifany
CtiniMI Prcceedings1- A crininal conplaitu has been Jiled belorc ,he Ciry Cnne Brotlch, Coinbatorc in CC No. 76/20 t j against our Conpanr,
y.P. Nandah.mar, Maruaina Director and ChiefErccutiye olicet of our Compan , Mr. Un iktishnan, afomet executivedircctor ofour Conpan! alons with tu o other forner enptoyees of our Conpany, fot otences uhdet sections t208, 40sand 120 of the Indian Petal Code, 1 860. Gayathn Rajananik*an, the conplainant, alleled that Our Canpanr is rcfusihgto rclease the pledge created b) the conplainan infa,rour of our Conpany, despite h.t horikg otered to pay the principalback \eith the inkrest and therc arc allegations againsr our conpan! fot the ollence of dishonest hisapproptiation ;nddbpoful of pledged gold Our Anpant has obtained anticipatory bait for y. p. Xandakumar ond thi employees. OurConpany has fled qu\thing petition$ under section 482 ofcnnind Prccedurc Codr, 1973 and ctininot nisce aneousNtition lot dispensing with peryonal appearance of v. P- Nandakunar and L Unnituishnan at Judicial First ClassMogbiate Court, beforc the High Coutt of Madrus. The High Coun of Madras has on Septenber tZ, 2013 has dispeNedvith the personal oppearance of v. P. Nahdotunar beforc the Judicial Fitst Class Magktrute Coutt at Coinbat;re. Thehatet is Wnding.
2- D- M. Surcshbobu has instituted Uininal p.oceedings agaiBt v. P. Nandaktnor, B.N. Payeendrc Batu and other directotsofout Conpany ond the naneser and.nplotees ofour Conpany,s branch at St. Johnh Church Road, Bangatorc bylitinsa conplaint Cr No. 40/2U2 with Bha.othinosar potice Sanon, Bansalore. The above *ine is rcsiste;dlor ;ianc;reloting to charying exorbibnr rote of intercst under Secrion 420 of lndian Penal Code, 1560 rcad with sections 3 ;nd I ofthe Kornatak/1 Prohibition ofcharging Exorbitant lhrerest Act, 2004. Anticirytory bail has been gantedfor att rn" *r^"2sba nenbers in a crl. Misc. Petition No. 25306/20t2 belo,e the court of the citr civ and s;ssions Judge, Bangajo,e_The mner is pending.
3. The.Assistaht Registrar oJco-oryratiw Socienes, Shinogo has instituted ctininal proceedings agaidt y. p. Nandah)natond.s sntivasa, .nana4q ofour conpanv s branch ar shinoga by fting a conpra;nt o. No.i25/2011 with the DoddapetePotice Station, Shtnoga and a c4ninal conploint beanng referckce nunber CC No. 227/201 3 belore the Court ofJudiciatMagistrate First clzJ,s, shinoga. The above c.ine k registetedfat ofences regkrered undet sections 28, 38, 39 atu! 4t oJthe Karnataka Monev Lenderc Act, 1961 and section r-4*..8rnaia*a prchibiaon ofcharying E ofitant Interest Aci,2004 allesiry that our Conpany h6 been charginF?ielhiaa lorq of inreresr and rhi conductiig ofan iltegat auaion of.y :oletoiru!!: ebdced sold. Our Conpany t'Bratth titotuge; and v.p. Nanda*unar had.fiki a petirio, te\ore tiHish Coutt of Karnatakofor quashins the c6eiobdfu heair;c.eadi"ss aeainst both, beorins rclererce No. Cri. p NO.
Y
4363/2013 and interim stay ha.s been granted andfu het ptoceedings dCC.227/13 has b'en staved I dbposal ofcrl- P
No- 4363/2013. The LoverColtn natter is posted to Nole bet 30,2019.
Irene Diana D'sa, a gotd loak customet, has fled a cotflplaint befote Mangalote South Polbe Station ond rcgistered crineas s8/201 1 tot ofe;ces undet Section 406, 420 rcad vith Section i4 of the Indian Penal Code' 1860 allesing that our
Conpany hatr wrcngfully rcbined the cBtody ofthe gold omarnetus olthe co plaimnt whkh had been pledgedwirh outCoipanyfor a,railing ceaain loa s. The comPlainantJiled a crininal revision petinon beanns rcfererce nui'ber t 75/20t 2
beloreti;CourtdieAddinonatDktrictandSessionsJudse,Mansaloreosainsttheotderinatlo'insinkrincu:tod,ofgitd oma ents to ot Conpany. The reision petinon is paaly alloeed and ditected our Conpanv to sutehdet the gold
;manents with the Coutt of the Judiciat Magistrate First Class at Mangalorc. Alet conplenon oI ihrpstigation, chalge
sheet has been lited and case rudbered as CC.2 190/ 13. The case naw posted lor argunents on Nolenber 4, 20 19 The
Gutfan Ahnad, has insntuted ciminal yoceedines against o,rr conpany punuant to a pnyate conplaint bearing rekrcnce
nlt;ber 20/201 2 befote the Coud of th, Chief Metropolitan Magistmte at feket h Delhi. The abole conplaiat is registercd
for ofences undeisection 406 and 420 ol tndian penat code, 1860, a eging that at conpany cMied out an auclon in
relaion to gotd ornanents pbdSed by the complaina tfor avaiting a toanfion ow conwny t'ithtut nonce_ sunnons
** ""*"i ar Conpiy pu,*"nt to whih otr Conpanv appeared belore the Coud d the Chief Metopolitan
Magistrate at saket thr;ugh i neno,a"a"n of appeardnce. The nottet has been posted on Novenber 26' 2019 lotconsideration on charye. The natter is pendinS-
Reshna has in:ttituted cnminal y@eedings against ow Conpanv and Sunan, nanoger of our Co'npa"v's branch at
Ludhiana pltrsua to a crinin;t conplaiit beanng rcfercnce nunber COMu442/2014 behre the Coui of the Judiciol
Magistrak First ctass at Ludhiana in Punjab. Thc aboye cnne is registercdfot oaences nder section 406 oflndian Penal
colae, t uo attegng l,nauthorised disposat of gotd ptedsed *ith ou conpary. me nattef is wnding lor evidence ok
Octobet 24,2019-
T.Nagarajh6Jile(laconPlaintbeforeNanglipolicealleging.hathisgoldomaneshe$beennobnandFlRhasbeenn{i"aLa i-i,g tto.sitt 5 und;r Section i80, asa ofIPC. Dunna inesnganon, police has atested bra ch n'anaset and
astri*ont branch i""ager of out conpany's punsamur bfanch. Nansti potice bsued non@ b produce thef sold in cinercgistercd with them. But the gold ytas atreddy seized by Pungannuf Police and Madanary i Police in anothet .ao cri es
c'nne 75/15 and crime gt/lr. ben though,,)e have e,ptained and shd,n the felated doamenE to Nangli police, they'haye
arnsted BH and ABH for cine feSislered by then. They wee rcnanded and subsequely rcle^ed on bail. Lakr on
add.d section I t4, 2u a;d 4t 1 of lpz. sltbsequenny inseied ahfte nore enptoyees in the cnne. we hare obraind
S.Mr.Manojyaryhese'acuslo,nerdovConpanyhasfleacoplaintagainstou.Company,s,fiahaginadbectorandlheamnctt ia*sZr oIou, conpany'i situated ithani brunch betorc Nedunbassety Airpon Pokce station. FIR eas reaistered
be*i"s No. i527i201 s for ofeices under secnon a06 and section 120 ol the tndian penat code, 1860. The police afiet
conduiti,g a dedtea ine${ga.ion into the natter fond that there was no illegality in con.tucnng the auction. Therefore,
the potice-rcfened the case
^ fatse and a lnat report ."as rtted. The conploinant then lited a p/otest conptai,,t beanns
refere,,ce ninber cc No. r5i/2017 bef;re the aoun of the Judiciat Maslsnate First class at Ansannly in Kerala.
T'hereafierourConpanyandofiConpany'sBranchManagerha.\fledop.tilionbeforctheHighcounofKeralafo.q" nic th" "^"
i,a l"rthet pr.,ceeeinss q4ainst v.P Na dahtnat' the nanasins director of out ConPanv beannq
iiji*,i" N". ca.uc No. 2e0;/20t 7 and AiAh Gerose, the brunch manaset oI out -Conpanv
beatinc no Ctt Mc No'
ZiBttZOlZ. tnte,i^ stay has been ganted in both tte naten by the Higl Coud of Kerata. The lNet coun na ter is
pendinglor prcduction ofitay ordet on Dece bet1,2019.
g.AcnninatproceedinghasbeeninsfuliedbylheRegistarofco-operanyesociety(MoneyLendiry),AliakarRoa4" tirc"ton,'osoi*t oi, Conpany in rcbno; b crin; nunbet Ct. No. 270/2012 at yeshwanthpur Police Station and
purimnt to a-cnninat conpiaini bearing reference nunber 20166/2012 belore the Court of rhe Metropotitan Masistrate'at
Bangatorc in Karnataka The above cine is registere.tfot otences undet section 3 a_nd 4 ofthe Kamataka Prchibition
itiii,i"s E Uti^, nkrest Act, 2004 attesite that our Conpd'v k charyins exorbitant intercst rates on sod loans'
iriiiitT"^i,^ , ,n",,, pennoh beoini reference ^ntei t a scztzo t z pendine before the Hish cont ol Kar"ayk!)
I 0. Kathirawl. has instituted a cn inal proceeding
ciminal conplaint bearins rclerence n"nbet CC
in cdne nunber Cr. No. 68/2008 pursuant to a
t9_
Coun of the Magistrate at Thin'raiyaru in Tanil
Nad'. Thz abow crine is registered lot ofenres utdet Section 406 of the Indian Pehal Code, I 860 and undet Section 16abd I 8 ofTanil Nadu PNn Brc*zrs Act, I 94 3 allegins that ot Conpany conducted an auction
'eithout aiving inlornation
tothe relevant pledgot- Charye sheet agaiBt y-P- Nandohtn is quashed as per order ofthe Madns HighCourt bearingnunbet 11907/2008. The Nrt dote ofhedins beforc the Coutt of the Masistrute at Thiruvailaru is on Octobet 31, 2019and is postedfor presedation ofevidence.
I LA crinnnl proceeding has beeh ihstih/ted against ot Company and Brunch nanage. Nayappi y btMch, purs@nt toconplaint b.ating reIercnce CT 22042011 in ctin nunbet Cr. No. 153/2014 fled with the Nayappi y Police Station,Orisso. The aboye cime * regiskredfor otences under Section 406 of Indian Perul Code, 1860 albging that our [email protected] @ctioned gold pl.dged \9ith ou Conpany belore the eryiry of the notice Wriod giyen to the relei)afi pledgot. The bailhar been takznfor the Brunch nanageL The nattet is pending.
l2.Indarsingh, Assktant Registra4 Co-opetattue Societr Gulborya, Kanataka has Jiled a conplaint vith the police atGulbarga asaiBt Mr J@ed Hussain Khan, Branch Managet (Al) of the Super Ma*et Bnnch of ou Conpany, accusingoD Conpany ofcharying exotbitant rate ofintercst o,t gold loa8 in violation ofsection 5 anJ 28 ofthe Karnataka Mo eyLenders Act, 1961 and Section 3 ahd Section 4 of Kanatoka Prchibition Ior Charging E orbitant Interest Act- 2004. meChot k Police Station, Gulbaqq regiskred FIR against Mi Jawd H6Min Khan, Brunch Manager (AI) of the SupetMa*et Rranch ofour Compant on May 17, 2012 beaing ctine nunb 0079/2012. At present, a erit petition filed by outCompant bearing rcfercnce nunb 18597/2012 in rcspect of the sinilar istue is pending belore the High Coun oIKatrctab, under yrhich the crininal proceedihgs beforc the lo|9er cowt have been stated The naxer is pendin&
l3.G.B. Kalaghatagi, Registrar ofco-operative Societies, Dharuad has Jiled a conplaint vith the police at Hubli against theManaqer of ou. Conpany situated at Chiua Cohpler, Nea. lndi Punp, OA Hubli, accusing ot Conpany for charginge,ofiitan, ruk of in,erest on sec rcd abd unsecuted loans in yiolation of Sqtion 28 ofthe Karnatako Money Lenders Act,196 1 and Section 3 and Section I of Kornataka Prohibition of Chargi g Exorbitant lnterest Acr- 2004. The SubJnspectorof Police, Hubli South, Dharwad, registered FIR ogainst the Manager of tut Conpanr at Chitta Conplex, Neat rndi punp,Old Hubli on May 18, 20)2 bearing cnne number 101/2012. At prcsent, a writ petition fled br our Company beatingreference nunber 18597/2012 in resryct ofthe sinil$ issue k Wnding before the High Cou of Kamatak4 under vhichthe crininal proceednqs before the lowet coufi hare been stated. The nanet is pending_
1a.J. Sonjar, Senior Inspectot, Cooryro.ive Departnent, K,aDA Ofrice, ha: fled a conplaint with the potice at Mysore, agaihstMr. Ravi, Rru ch Manager ofour Company situated at Ranar\eanycircle, i,lysorc City, aca8ins ou Conpany olchargingexofiitont rute of intercst on goA bans in yiolation of Section 28 of the Kamatako Money Lende\ Act, 196 I atut Section3 and Section 4 of Konntaka Prchibition of Charging Ltotbitant lntercst Act- 2001_ The SubJnswctot of police,Lakshnipuran, Mtsore City, registered FIR against Mr. Raei, Branch Manager oI on Conpdny at Ranas\|any Circle,Mysore City on Mor 30, 201 2 beaing ctine nunbet 056/2A I 2. The charge sheet is yet to be fled and the natter is currenttrat the stage of inyestiganoL At presekt, a wit petition Jiled by ou Conpon, bearing rcIerence nunbet j8597/2012 inrcsryct of the sihilat issue is pending beforc the High Cou,.t of Komataka, undet \|hich the crininal prcceedihgs belorcthe lo||et coui haye beeh stayed. The na er is pehding
15. C- Thippe$.)any, Jiled a conplaint with the police at Madhugin against ot Conpany, accwing out Cohpan! of charyingexorbitant rute of interest on gold loaLt in iolation of sedion 5 o d 38 ol the Kanataka Money Lenders Act, I g6i anisection 5 ofKarnata*a Prchibition olcharyhg Exarbita lbtefest Act- 2001-The Madhugiti Potice regittered FtR againstour Conpanr on May I 7, 201 2 beoing cnhe nunber 0071/201 2. At prcsent, a wtit petition libd by o; Conpany bianngrelercnce nunber )8597/2012 in respect of the sinilat issue is pendins befote the Hish coun of Kamataka: uh.Lt vhiithe ctininal pr@eedings bejore the lo|9er cou haw been stated The na er is pending.
)6.T-D Unesh, has Jiled a conplaint vith the police at Ba gatorc, agoinst the Brunch Manager ofour Conpan! at Z BfocLRajajirusar, Ronsalore City, Karnataka accusins out Conpany of ch/r.sins ewrbita"i *ti oy nt",""t oi u*na oiunsecurcd loans inviolation ofsection 5 and 38 ofthe r'arnatab Monet Lende$ Acr, )g6t andsectiot 3 a section t ofYmatot! Prchibition / chorging E otbitant lnteftst Act- 2004. The potice, Rajajinalat, rceistered FtR aeai/In fi;Branch ),4anoget ol ou Conpany at 2d Block Rajajinagar, BMsatore City, Kanataka on May X, 2At 2 bea;ing crinenunber 0179/2u2. At presetu, a wit petirionfred by our conpany beatins rcfercnce nudber t8597/2012 in reipect oythe sinitar issue is pendins belorc the Hish couft of Karnatak , uhdet b'hich ihe ctininat prc@edins, before th; tow;rcourt haye been stayed The mnet is pending.
l7-Krishnappa, a g?ld.loln custoner oI ou Conpahy has Jited a conptaint fith the police ot Kanakapuru against outConpany thtoush the Brunch Manaser ol Kanokpura brangta-accaary m Conpany oj cnarying e,ortiiant raiof intereston sold loahs. The olicet tu charse ofthe pol.e storiohat kanatajt*a, resiirercd rtR againsr the Bronch uinaget olout Conpan! situated at Kanakapua on Aususr t7. 2lt I beariry crja aunier 226/20t2_it prcsent, awrit p.titio;Ji*
b)' ow Conpany beaing rclerence nunber 18597/2012 in rcsryct of the sinilar issue is pending belore th. HiSh Couft of*amataka, under whici rhe criniful foceedings beforc the lo er coun haw been statPd The naoer is pending'
tl.L. Safata, Asshtant Registar ofco-opefttiye societies cehtral divinon, Ma eskworan, Bangalore city, Kamataka, has
Jited a conptaint vith ihe polke at Bangalorc against the Manager and Fore,nan & Brunch .Managet of our Conpanv at
'tvilsonga;en Bmnch, B;gatore Ci\, karnataka, accltsins ow Conpanv of chorains e'orbitad rute oI interest on sold
)i5g7/20t2 in ;espect of the sinirat issue is iendins beforc the Hich cod of Ka ataka undet \9hich the ctininalproceedings belorc the towet co rt haw been stoyed. The mattet is pending
tg.sundaruj GT, Inspector Co-operntive Depannent' Notth Zone, Malteshraran' Bangalore, Kamataka' has liled a
conplaint with rhi potice ar Baigatore, asainst the o\ener ofout conpany brunch at B_sR Afcade, Danaalorc, alleqins our
Coipany of cnarging exotbitai rate olinterest on todn: in viotation of Section 3 of Kamataka Prohibinoa of Charging
*iti,*in*ni, i", 2004. The oiicet in charye of the sheshadiryran Police station, Bataalore, resistered FIR
isainst the o\,)ner of ow Co,rpo"y "i-uoy
lO, zoti teatins cnme nunbet 0II6/20t2 At present, a ent pennon fled bv
i, compa"y t"aing retereice runber 18s97/2012 in rc;wt ofthe si, itat iss e k pendins befor' the HiEh Coud ofxanatai<a, incterwichihe ci inat proceedinss before the b$,efcoun tur'e been stayd. The natter is pendins.
20.5n. Mahesh H. ofrcer, FDA DePdy Resistrat of Co-operatiw Societv and Registar oI-Mon.ev bndkS' No h Dirision'
tangoto* city, fta,ni.ka, has iniiiated cnninat proceedings against our conpany andlited a conplaint with the police
i azrga_",'ogoi*t *, companr, alteging out co pany of charying eturbitant rute of irnerest o, toant in riotation ofsectioi a of kai,"ara rrohib;no; of chisins Exorbitant rtuetest Act- 2004. The yijawnasat Police station, Bangalore
city, regiired FIR olainn ow conwny on June I1, 20t 2 beanng cri e nunbet 04 37/2012. At present, a\'nr petition
qii ty'olr Conpanyiea,ing relerence nunber t 5597/20 t 2 in rcspect olthe stnilar issu' is pendks beforc the Hish Coun" o7 Xin"t"*a, uiaei *t xh rie iri-inat proceedinss beforc the lowet cod have be.n stawd. The maer is pendins.
zl.Natayana, Assistant Registrar co-owatiye society, Hassan, has lled a conPlaint yith the police at Hassan, aSainn
sushZna aranch uanager, ManapPtran Finonce Limited, Kflenpunagatu' alleginS on Conaanv of charying erorbitant
rate ofinterest on secu;d and uiiecrred loans in tiolation ofsections 5 and 28 (1) ofthe Karnatako Money Lendets Act'
tg6t and section 4 and section 5 of Kamataka Prohibinon of chotging Exofbitatu Interest Act- 2004. The Hassan
LxlensionPoticestation,ramatakaregisteredFlRagainslsushdna,BmnchManagef,MaapwrunFinanceLinited.KNenpunagara on May 05,20t 2 beai;gcrime nunber 129/2012- At present' a$rit pennonfled bv on Companv beanng
*ii"",i.t", usiztz|tz in,""p""lo.tn, "i^ito,
iss4e is wndins before the Hish court oIKa ataka, undet |9hich
rhe cnninal proceedings before the ta,tet co n have been rtav.d' The mattet is pendinS'
22.5n. T.D. Umesh, Wcer FDA Sahak sanghagata UPA NibandhatuL Bangalote Citv, Ka.mataka' hasJiled a co'nplain'
iitn i," pai"" ot {*gaore, agairet Bmnci Minaget, o[ot t Co,npony at ofice No. 31. 3a,. Rajajinasat, Bansalote Cily,
Kanatulka, allegins iur Conpany ofc*arcins a@rt ant rate ofinterest on loans in-liolanon dsections 5 ad38 ofthe
Karnatoka MoniyLnders tit, tbai and sec*n s ana secnon 4 of Kandaka prchibition ofcharyins Erotbitant InteNst
Act- 2004. The iajaiinasat Potice siIanon rcsbtered FIR asainsi Branch Manaser, of o1r Conponv at ofrce No 31' 3 'Rajajinasat, Ban;;tore-City on Ma] 22, 2011 bearins cti e nunbet 0176/2012' At present, aw pennon liled bv out
Ciip.,i t*"ii ,"**,;e ,umber 18ss7/2012 i, respect of the sinitat issue is pendi'1s before the Hish Court ofii*i*", "*i *iird tt e crininat proceedinss before the lovrer coun have been starYd' The mattet is pendins'
23. H.P. Ku ar, Assistant Registrur of Co' operunw socbties, Tarikere *'b Di|ision BH Road Tankere' K hataka' has
itutea cininot p,oceedTnss asain$ M;naser of out Company branch situated at 2 block situated ar Raiaji Naqat
tiigrl"* *aqiia. *rpiint; h the police at Chiclonagalur asainst Bmnch Manaser' .Tankere
brunch' accusi s our
c,ii;i ,f ii,,st,e *";b ant rate of;n@rcst on toans i; viohnon ofsection 3 and secnon 4 ofKa ataia Prohibinon
i,incn'ui"aser of o"r company on June 28' 20t 2 beanns cine runber 0144 At present' a *it petnon fled bv out
Z.i'i tii.,i,"*,"*"'n!;bet 1s597/2012 in rcswt of the si itar issxe is Pendins belorc the Hish coua of
i*io,ir". "na"i
*irn *e cfininat ptoceedinss before the INer coun ha\E been stated The nattet is pendins
24. Basavatuj, Insryctot of Co'operatiee
lled a codplaint vith the police at Aco pler, BH Road APMC Yard,violation ofsecnon 5 and Section 8 of
has initiated cnninal proceedings against tur Co panv and
oI our Conpany branch situated at l"t Floot Su o shrce
lor .harpinp 5orbnad rute ol nte$t on eold loa6 ta;^ A.t is6t ahd Section a ahd sectrcn 5 ol Kornotah,
Prohibition oIcharginA E orbitant Town P olice Station, reaistered F IR agoinst Manager
of out Conpary blanch bearing crine number I 3 5/201 2. The charye sheet is )yt to be Jiled. At present, a flrit petition Jiledbr our Conpany beatins relercnce iunber )8597/2012 in respect of the sinilar issue is Wnding behrc the Hish Coun ofKarnatatu, undet which the cti inol pt@eedinss befote the lower cou haw been stayed. The nater is pending.
2 5. vioyatunar, has initioted ctinirul pt@eedings aaaiBt ow Conpany and liled a conplaikt i) ith the police at Bangalorc,aAainst the ManaAe4 oI out Conpony at #65/A, ]i Fhbt, 80 Feet Road, SBM Colo"y, Bakgalorc, Karruta*n on June 01,
201 2 at Girirugat Police Stotion, Bangolote City accusing ou Conpany of c hatsins exotbitant nte of intercst on securedand unsecurcd loans in ,iolation Section 3 and Section 4 of Karnatako Prohibition of Charying Exotbitant Inte,est Act-2004 and Section 420 oflndian Perul Code. The Branch MMger fled a Crininal Misce aneous Petition No.3092/2012in the Coui ofAddl Sessions Judge, Fa:ttrack Cout W, Bangalore prarinqlor atuicipatory bail under section.l3S af theCode ofctinind Pn cedurc and the sone was gant d by the Cou on Jdy 45,2012. The Police Station, rcgistercd FIRagainst the Maruger, ofo|tr Conpany at #65/A, )'t Floor, 80 Feet Road, SBM Colony, Bangalorc, Karnahka on June 01,201 2 beating crine no. 1 3 1/2012. At prcsent, a |9it petition beaing ,efercnce nunbet 1 8597/201 2 in rcspect of iE sinilatissue is pending belore the High Coutt of Karnatalr, det which the cti,niml proceedings beforc the lo\9et cou hawbeen stayed. The natet is pending.
26. Prck sh Robu has instituted a crininal prcceeding against our Conpany in c m nunbet 341/09 pu6uant to a crininalconplaint bearing refercnce kunbet 28113/15 behrc the Coun of the Chief Metropolitan Magistrate, Bansalore.'Iheabove ctine is registered fot ofences mder Section 120 ol the Indian Penal Code, I 86A and under Section 3 and I ofKarnataka Prohibition ofcharying Erofiitant lnkrest Act albAing rhat our Canpany is charying erorbitant rute af intercs.on pledges. Quashing Petition CRLP. 3778/ 19 islled belorc High Coutt of Ka.natakafot quashing the charge sheet againstv.P. Naidalunat Nlhich is pending The next date ofhearing beJore the Coui of Magistrate is on October 21,2019 and is
poste d fot nediation report.
M.rerial Civil CrserOur Company has been made party to civil suits which are pending before the civil courts in different states. These cas€shave b€€n filed by owners ofbranch premises for eviction on various glouods including non-payment of rent, enhancem€ntofrent, expiry oflease p€riod and hespass. The p€titioners in such cas€s have also claimed damages and mesne profits. Asof lhe date ofthis Disclosure Document, there are 43 such cases pending before v&ious couns. The debenture comitre€of our Company in its ineeting held on August 30, 2018 has de.€rmined that any pending civil litigarions against theCompany, the subsidiaries, group companies of the Company where the amount exceeds Rs. 380 million indiv;dually areconsidered as rnaterial pendingcivil Iitigations against the Company.
Writ PetitioD3l. Thagadappa ('"etitione/') has filed a l{rit petition b€aring reference number 49404/ 2Ol2 before the Hish Court of
Kamataka, Bangalore dated Dec€mber 06, 2012 againsr our Company requesting for the issuan€e of a writ of mandamusand directing our Company to handover the gold pledged by the Petitioner and by fixing rhe inrerest payable on the loan at14% The Petitioner has also requested the Registrar of Mon€y Lending, Kamalaka (second respondent), ro expediliouslyenquire into the complaint rcSistered by the Petitioner. The w t petition is posted for finalhearing. The rnatler got adjournedon lhe last date ofhearing which wa! on December 19, 2018. The next date ofhearing is awaiied.
2. Kantharaju ("Petitionef') has filed a w r petition bearing reference number 49405/ 2012 before the High courr ofKama&k4 Bangalo.e dated D€.Ember 06, 2012 against our Company to issue a !}rit ofmandamus directing ou Compaayto handover thc gold pledged by the Petitioner and by fixing th€ interesr payabte on the loan ar l4%. The w t periti;n isposted for Iinal hearirg. The matter got adjoumed on the tast dare of hearing which was on December 19,2018. The nexrdate ofhearing is awaited.
3. Krishnappa-c?etitioner) has filed a *rir petition bearing reference numter 1gz|/2012 beforc the High court ofKamataka' Bangalore on December 05, 2012 against our company for the issuanc€ ofa writ of mandamus or ;approprialeMil to initiate decessary action in law against our Company under the provisiors ofthe Kamataka prohibilion oiahargingExorbitant lnterest Act, 2004 as insuucred by the Registrar of cooperative societies, Karnataka. The petitioner has ;b;requested in the_*tit directing the third respondent being the RBI ro cancel the lic€nse accorded ;n favour ofou Companyfor violations of law, circular and exlanl directions. The wdt petirion is posled for final hearing. The mauer gor aajoumeion the last date ofhearing which was on D€cember 19, 2018. The next date ofhearing is awaiea.
4. Menniah C'P€titioner) has filed a writ petition bearing referenc€ number I1921/2014 before the High Court of AndhmPradesh' Hvd€rabad on April 17, 2014 against our c-grrpary-sough! the High courr ro dir€ct the respond€nr being the RBIto order our companv to comprv with suiderinerirs€Fo B.4Fland not auation rhe Sord pledsed by the perilione; wifiournoLice The wir peririon is cunenlty p€nding. ,/'-,('_
.
!:. -l1l |'ta- l> i
7,
5. Satyanflrayana ("Petitioner") has ffled a wdt petition bearing refercncc number 20282l2014betorcrheHigh Court ofAndhm
Pladesh, Hyd€rabad dated July 21, 2014 against our Company seeking the High Court of Andhra Pradesh, Hvderabad to
issue a writ ofmandamus to set aside the auction proceedings initiat€d by our Company dated July 16, 2014 for lhe auction
ofsold omarnents pledged by the Petitioner in favo'r ofour Company. The *rit paition is cunentlv pending.
6. Ms. Madhusmitha has fil€d a writ petition bearing r€ference numbei 5872013 befor€ the High Coun of Orissa, Cuttack
dated January 08, 2013 against our Company alleging an illegal auction and sale of omamenB pledg€d. An interim ord€r
was passed on January 30! 20 13 under IA number 5212013 in the aforementioned matter, directing the opposite parties noi
to h;ndover the mortgaged gold omaments.o the auction purchaser till February 28, 2013. The writ petition is curentlypendir)g.
7. panchanana Behera (,,Petitionel,) has filed a Mit petition bearing ref€rence number 16302/2014 before the High coun oforissa, cunack on AuSust 26, 2014 against our company fof quashing the letter of termination dated June 27, 2014
terminating th€ Petition;r's services as a branch manager. The Petitioner seeks an order dkccting his reinstatement to his
originat d;ignation i.e., branch manager th our company. Furthei, .he peritioner also payed for dir€crin8 our cornpany
to ;eat the p;riod of service as regular from the date of termination till the date of r€instatemmt with consequential s€rvice
benefits. The matler \ias lasr lined on November 29, 2014 and the matter was oot called upon. The matter has no. b€en
listed. The dt petition is currently Pending.
RBI lrd SEBI Pmceedirgs
l. The RBI has received a complaint against our Company lodged by Smt. Sreekala Anil has instituted criminal proceedings
against the company and v. p. Nanaanmar in cr. No. 94820t I of Kodungauur Police stalion. The above crime is
Jgktered fo. ofiences registered under Sections 409,464,467, 46E ofthe Indian Penal Cod€, 1860. The petitioner had
delosited money with rhe Company, and had sought to renew the deposit. The p€titioner was given deposit slips for
ManappuramegrorarmswhichisaproprietaryconcernofV.PNandakumar,MDandCEO(thethenchairmanoflhecompany). rhe petitioner aleged that s;.ce our compa.y was no longer allowed to accept d€posits fiom the public, our
Com;any had iflegalty rransferred the deposits to a non- existing company witho( th€ knowledge of the depositors. The
company tras obtainerl anticipatory bail for v.P. Nandakunar, our Managing Director and chiefExecutive omcer. The
Petitioner had also sought an RBI enquiry into lhe matter.
The RBI lhrough its lefler dat€d Decernber 5, 201I sought the company's rcsponse wilh regard to the alleSations made by
Smt. Sreekala Anil. Further, the RBI through its letter dated Dec€mber 21, 2011 advised the Companv to stop using the
branches ofthe company to cross sell the products ofthe group, relared companies and firms ofth€ then cha;rman and
€nsure that th€ Company mainlains an arm's length relation_ ship with its sister concems and reltt'd fims'
The RBt conducted a snap scrutiny between December 27, 201 I to Declmber 3 l, 201 | at our he.d ofiice at valappad.
tuauant to the snap scrutiny, rh€ RBI issued directions under Seclion 45L ofthe Reserve Bank oflndia Act, 1934, directing
our Company to immediately desist flom allowing the use ofthe Company premises, branches or ofiicials by Manappuram
Agro Farms;r any olher eniity for accepting deposits fi,om the public or for any other financial activity by the letter dated
February l,2012.
Further, rhe RBI, through its pfess release d.red February 6,2012 has stat€d that acceptance of deposits either by our
Company or by Manappuram Agro Farms is an offence punish- able with irnprisonment, and has also cautioned th€ memb€rs
ofthe public against depositing money with our Companv or Manappuram Agro Fanns'
Ou. Company has ctarified its position ro th€ RBI vide letr€r dated February 10, 2012. Our Company has clanfied that since
July 4,20i 1, ltfien the registraiion of our Company changed !o thai ofa non- deposit accepting NBrC, our Companv has
not'soiicitej, rene*ea or accepted any deposits fiom rhe public. The Company has ftnher clarified that it does not have anv
ourslanding deposirs on its boots with the exception ofan amount ofl 9OO,0O0^ which has notJet been claimed by previous
depositorsid has been deposired in an escrow ac.ount maintain€d wilh the Punjab Natiooal Bank, until it is claimed ln
ac;ordance with the RBI guidelines, ou. company has issued a pres, release daied February 3, 2012 clariryinS that ou.
company will nor be accefting any deposis fiom rh€ pubtic. Funher ihrough tetterdated February 29,2012, th€ Company
has ciarified rhar in pursuanc; ofihe RBI directiofls, our Company has complet€d all steps to dissociate the Company's
name ftom lhal o f VanapPuram Agro Farms.
The RBI has issued a show caus€ notice dat€d May 7, 2012 under Section 45 IA ofthe Reserve Bank oflndia Acl 1934,
;sking why rhe cenificate ofregislration issued ro our Company should not be cancelled. The show caus€ notice states that
ouC.omp.anydespitebeinganon.deposittakiEsNBFChasbeenacc€PtingdePositsliomthePublicinthenameofManappuram Agro Farms. T.}re show cause notice turther stltes that our Company has be€n re-collecting ott maturitv, those
l"p""i,l *ti"r'iir,"a "aginally
accepted when it uas a deposit taking companv and issui'g deposits in the name of
2.
3.
Manappuram Agro Farms. Ii has b€en stated that our Compafly has be€n assisting Manappuram AgIo Farms to contravene
the provisions of Section 45 S of tlrc RBI Act and that an amoud of Rs. I ,438,500,000 ha! been accepted by our Company
in the nam€ of Manappuram Agro Fams. Our Company in its response dated May 21, 2012 to the show cause notice has
denied thes€ claims and cl4ified that the Company has never accepted deposiis in the name ofMarappuram Agro Farlns.
We have further clarified that we have taken all steps to comply with lhe RBI directives. We have informed the RBI that
we have taken all steps to dissociate the Company's name, premises and employees from that ofManappuram AgIo Farms.
Funher, in order to comply with the RBI direclives and segregale our employees ftom employees of Manappuram AgroFarms we have issu€d liesh appointment letter and identification cards. By lener dated January 23, 2014 we have informedthe RBI that as on December 21, 2013 the Company has retumed the outstanding dePosits to the customen by issuing
The RBI vide its letter dated January 1,2015 confirm€d that the various quarterly status reporls submitted by the Companywith regard to the deposits collected by MAGRO and reply to the sCN is largely acceptable to the Bank. As per the advicereceived ftom RBI, we report the progess in escrow ac.ounts ofMAGRO on a quarterly basis to RBI.
The RBI had thrcugh its lei€r dared August I1,2017 issued a show cause notice u er Seclion 58-O oflhe R€serve Bankoflndia Act, 1934, conceming obs€rvalions made during the inspection held bet*'een August 16, 2016 and September l,2016. The show cause rctice was served on the bads of observafions made by RBI, regarding the: (i) the non-declamtionby Company of the reserve price during the auction of gold omaments pledged by the Customer; (ii) non-intimation tocustomers in the event of any change in the purity of gold as assessed by Company subsequent to a disbusemenl of theloani (iii) splittinS of high value loans greater than {0. I million so that .he loan dhbursements made above 10. I miU ion aremade in cash (including the issue of uncrossed cheques while d;sbursing loans above 10. I million) against which cash waswilhdrawn across bank counters by cultomers; and (iv) post auction intimation sent to customers which did not mentiondetails such as the date ofthe auction, th€ venue, the breakup ofclaim towards principal, interest and orher charges recoveredduring auction (including not conducting auctions at designated branches on specified dates despite advertising the sane).Company pursuant to its l€tte. dated August 25, 2018 had submiued a detailed reply to RBI providing necessaryclarifications od the points observed as well as detailed explanations on the steps talen by Company to regularize theobservations alorg with supponing documents in this regard. Company in the above mentioned lener had also reques.edfor an opportunity for a personal helring to further clariry the explanations provided in the reply lener. Company further tothe above mentioned letter, also requested for a personal hearing to be able to make submissions to the points mised in theshow caus€ notice lhrough it letter daled S€pt€mber 7, 20 18.
Accordingly, an opportunity for personal hearing was granted by RBI on D€cember 21, 2017 and Company in the saidmeeting had provided necessary clarification and explanations on the conc€med points raised by RBI. Following the same,RBI vide its letter dated March 28, 2018 closed the proceedings under ihe show cause notice dated August I l, 2017 andadvised Company to strictly follow the exlant inslruclions ofRBI pertaining to declaration ofreserve price, cerrification ofpurity of gold, conduct of auction process, post aucrion intimation letter and disbursemenl of loan amount in cash,compliance of which will b€ continuously monitored by RBI.The Company received letter fiom SEBI, dated S€ptember 2, 2013 seekinS informarion in relarion to rhe directions issuedto the Company by the RBI vide le6er dated Februaryl,20l2. The SEBI sought information on whether the Company hadformulated a "code ofifllemal proc€du.e and conducf' and a "code ofcorporale disclosur€ practices,, in accordance withSEBI directives. The SEBI also sought infomation on the time ofopening and closing oftrading window for rhe periodJanuary l, 2012 to February 29, 2012. Copies of circula.s and guidelin€s issued in rhis regad were also sought. Funher,copies ofpr€ss noles issued with refer€nce to the directions ofrhe RBI were sought. The detaits ofpermissions obtairEd bythe Company's directors, key personnel and employees fordealing in rhe securides ofthe Company incompliance with rhe"code ofinlemal procedur€ and conducf' and "code ofcorporare disclosure practicej' were also sought. The Company hasresponded to each of the queries vid€ lener dated Septemb€r 6, 2013. The Company has confirmed ihe formutad;n;fthe'tode of intemal procedure and condu.t" and ,.code ofcoryorate disclosure praclices,' in accordance with SEBI Regulationsand provided the SEBI with all the informanon soughl
The SEBI has pursuant to €mails dated December 26,2013 obs€rved tha. in rhe board meeting hetd on March 1i,2013, theprcbability ofou Company reporting a negative profir for the quaner ended Mech lt, 2013 w6 discussed. The SEBIsolght information fiom companv with respect to when company could asc€rrain rhat it would be reporting a toss ofup to{500 million, the names and addresses ofthe persons who were aware ofrhe expected loss b€fore the ofiicial announc€mentwas made to rhe marker on March 20,2013 rhe derails oftrading by rhe persons on rhe scrip ofcompany and the detaits ofthe services availed bv companv 6om Ambir capirat private Limiled. company has respond€d to rh;e quer;es by terterdated December 30, 2013 slalinS that the Company was aware ofrhes€ €xpected losses during its review for the retevantquarter which was undertaken in the first week of disclosing the persons who were aware ofthe expected
ta1o- l-<lv
ea\ l"g
losses and the cttrorlolog/ ofevents l€adiDs ro on March 20, 2013. Company has addilionally
5.
informed SEBI that it was merely seeking consultancy from Ambit Capital Private Limiled through its e-mail
communicalion dat€d January 16, 2014, how€ver no data had be€n shated by Company with Ambit Pri!"1e Capital Limited.
SEBI Adjudicating Officer, Enquiries and Adjudicaiion D€partment (EAD) vide EAD-3 notice dal€d May 29,2019 bearing
refere.ce number (SEBl,fiO/EAD-3ttSlDJlOW/P/135?7/12019) issued Show Cause Notice ("SCN') to Companv and
oth€r pecons including I, Unnikrishnan, Sachin Agarwal, Ambit Capital Private Limiled for lhe alleged violations ofcertainRegulations under SEBI (Prohibition of Insider Trading Trading) Regulations, 1992 and SEBI (Prohibilion of Insider
Trading Trading) Regulatioos, 2015, Clause 36 ofthe listing ageement along with Section 2l of Securiti€s Contmct
Regulation Acl, 1956, Section l2A(c) ofSEBI Act, 1992 read wilh cenain R€gulatioos of SEBI (Piohibition of Fmudulent
and Unfair Trade Practces r€lating to Securilies Market) ReSulations, 2003 as more sp€cificallv povided in the SCN. SEBI
had conducted investigation in rhe matter of selective disclosure of unpublished price sensitive information by Company
for period ftom March 1, 2013 to March 20, 2013 and had directed Companv and other SCN notices to submil lheh replv
with regard to their respecrive alleged violations mentioned in the SCN. Company informed SEBI ofirs intention to fileseul€m;nt application which was accepted by SEBI. On July 15,2019 Companv submitt€d a detailed replv to SEBI on all
the violarions afleged against MAFIL and scN notices No. I to 3 and 8 to 10. Further, company also subm;tted a senlemmt
applica$on on Juty 25, 2019 for settlement under section 3 of the Securities and Exchange Board of India (Settlemeni
P;;ceediDgs) Regulations, 2018 on behalf of MAHL and SCN notic-€s No. I to 3 and 8 to 10.
Shaitesh Mehra, our directo., has received a show cause notice on Nov€mber 18,2013 for violation ofregulations 7(l) and
7(2) ofrhe SEBI (Substanrial Acquisition ofshares and Takeover) Regulations, 1997 in relation to the preferential allotment
oishares to hirn by Safari lndustries (India) Limited. Shailesh Mehta has responded to this show catrs notie on December
4, 2013 and in th€ personal hearing on January 8, 2014, the adjudicating olficer agreed to permit shailesh Mehta to avail
cons€nt p.oceeding;. Shaitesh Me*a has on January 10, 20 l4 intimated th€ adjudicating ofiicer of his intention to avail the
consent proceedings.
SEBI has vide its €rnails dated March 5, 2014 and March 1 1, 20 I 4 requesr€d for cenain inform.tion r€lating to Manappumm
Agro Farms (inctudin& its bank accounr siatemenrs ffom october 1,2011 to February 29,2012, its audit€d financial
stitements foi FY2011-12) and clarifications as to whether S€nmon v. P.' Muthu Bhaskar, K..S. Sudhish, Sarada
Sankaranarayan (wife of in;ependent director A. R. Sankaranarayan) were designated as ernploye€s or dependents for the
puQose of tile Company,s inaider trading poticies, copy ofthe resignation of Athulya Suresh, infonnation relatinS to the
iransfer of shares oi the company by M. Anandan a.d when the conpany was informed of this. Th€ company has
r€sponded to SEBI,S emails on M;rch 12, 2014 6nd March 13, 2014 pro- viding the bank account statements and audited
fin;ncial statements for rhe retevant period and rhe resignation ofAthulya Suresh dsted November 1,201l, clarifying thal
senmon v. p., Muthu Bhaskar, K.s. sudhish are not designated employees for the purpose ofthe code ofconduct while
sar.da sanka.anarayan is a dependent aod ttat M. Anaodan had informed the company ol the sale of its shares on
Sept€mber6,20l3.
7. SEBI has by i1s letrer dated May 30,2014 observ€d that rhere have been delays in processing ofrenat€rialisation requests
ofinvestor; ofrhe acquner on;ccounts ofdelays by the Acquirer in issuing signed share certificates The Acquirer has in
its response daled Jun;20. 20l4 ctarified that the d€lay was on accounl ofnon-availability of slationery since the relevani
debeniure issuance was only in demat form and lhere were delays in coll€ction ofthe original demat register fiom the ofiice
ofthe regisrmr and transfer agent. as conective measures, the acquirer has proposed allotment ofdebentures in phvsical and
demar form, designatiog a senior manager to co-ordinat€ wilh the registmr and tmnsfer agent and ensuring that sufficient
copies ofthe share certificates are available *ith the reg;stmr and transler agent
8. SEBI has issued a notice dar€d August 6, 2014 under Section 4 ofrhe SEBI (Proc€dure for Holding lnquiry and Inposingpenatties by Adjudicating omcer) Rules, I 995 to our Managing Director and chief Executive omc€r, v. P. Nandakuma.,
ourDirectors'I-Unnikishnan,B.N.Raveen&aBabuandourcompanysecretary,Raj6hKumaf.Inthisnotice.SEBIhasobserved fta; the RBI issued a press ret€ase on February 6, 2012 stating that our company cannot accept or renew public
defosits. On Felruary Z, 2012 ihe price ofour Companv's scJip declined bv 19 95%,fiom tb€ previous t'ading dav The
Nde suspected insida trading by cenain entities who sold their shares prior to the RBI press release. Fu(her, on Februarv
z, zo iz ite r "anciat
resurts f;r fie three months period ended December I I , 20I I was announced and an inter;m dividend
M\.lectared. tn accordance wilh the SEBI (Prohibirion oflnsider Trading) Regutstions, 1992 declaration offinancial results
and dividends ar€ pnce sensitive information and the trading window is to be clos€d during this P€riod..l'1h.,{ llln"ai"g *i"a"* *"'" a"*a f.om January 27,2012 to Februarv 2,2012 our Companv has fail€d to complv wilh th€ relevaot
SEBl-Reeulations which require that the trading windorv-1aQe closed foi a per;od up to.24 hours afie: t"::'"'1":Iffii""i,,-.iiri" ir,.ri e.li,"a", irar r,* i..ri
" 9o5{[$rqa,se as to why an inquiry should not be herd against
*.i r". "i"r"ti", "r
,m iEBl (proh;bition of rnsiABfi;;{tNtions, lee2. An idendcal show caus€ notice dated
iiiii""".o,"""['ur.-rit iesr i" *riti.,t"[,i "-1d,\,i.i,"ii!-&f *";"*"ft"aocumenrs, we have nredaconsent
application dated November 29, 20l4 along with an application dated November 29,2014 for condonalion ofdelay.In ourconsent application we have staled our willingrcss ro consent ao a settlement wilhoua admitting or denyinS any MonSdoingon our part. we have also requested the SEBI Int€mal Committee and the High Powered Advisory Committee to arrive ata settlemenl amount commensurate wilh the merits ofthe case and have expressed our willingness to pay the same as a fulland final s€ttlement ofall proc€edings arising out ofthe notice. The Company, directors and KMP have received settlementorder dated Septemb€r 23, 2015 in respect ofthe show cause notice dated August 6, 2015 was issued to the applicansalleging that they violated the provisiors ofthe code ofconduct and paid the s€nlement amounr.
9. SEBI vide irs letter No. SRO/KLO/DMU/OWCIS,29388/2015 dated Oc.ob€. 19, 2015 lo Mr. v.P. Nandakumar, soughtinfomation perui ng to operarions of Manappumm Agro Farms ("MAGRO ), its books of accounrs, baDI accountsincluding escrow account details among other particulars under the subject ofallegarion of tund raising in violation oftheprovisions ofSEBI (Collective Investment Schemes) Regulations, 1999 and SEBI Acr. As per the abovementioned SEBIletter,lhe information sought was based on lhe receipt ofcomplaints by SEBI under CIS regulations. Mr. V.P. Nedakumarhad provided an interim reply on October 26,2015 seeking more lime to provide the documents soughr by SEBL MT. V.P.Nandakumar provided the detailed reply along with relevan/supporting documents on November 25, 2015 and December4, 2015 as sought by SEBI vide its letter dated Oclober 19, 2015. In oodinuation ro the above reply, SEBI vide irs leflerNo. SRO[OO/DMU/OWEI2016/1268511 dated May 2, 2016 sought tunher clarification and information based on thedocumetrts provided eadier. Mr. V.P. Nandakumar provided reply on May 03,2016 and May 26,2016 along withrelevant/supporting docuinents and SEBI has not yet reverted on the reply provided by Mr. V.P. Nandakumar
I 0. The SEBI has p'rsuant to its letter dat€d August 17, 2012 sought information from MAIIL with r€spect to the RBI'S pressrelease dated February 6, 201 2 in respect ofMAIlL stating that acceptance ofd€pos;rs either by MAFIL or by ManappuramAgro Fams is an offence punishable with imprisonment. MAFIL had been asked to provide derails ofthe conespondenceberween lhe RBI ard to clarify whelher MAFIL or any of its top management had any relatiotrship with certain personsmentioned in the letter. MAFIL has responded to each query mised in the above menrioned letter by ils letter dared August27, 2012. No turther communicarion has been r€.€ived ftom SEBI.
Cotrsumer Disprr€s
The Compmy has been made party to seveml consuner cases which are now pending before various disrict and stateconsumer dispute redressal fora. These cases have been filed based on allegations ofdeficiency in seflice rendered by us.Such grounds include inter alia the adoption of improper processes for conducti.g lhe auclion ofjewelry, \uongful seizureofhypothecakd goods and charSing very high interesr mles on lo s.
Civil Suits
t . Our Company has been made parry to numeroB civil suits which are pending before various courts in different s&tes. These€ases have been filed by our customers on various p:ounds including the adoption of improper processes for conducringgold auction, wrongful seizure ofhypothecated goods and charging very high inlerest rares o; loans. The peririoners hav;sought perrnanent iniunctiois, reslraining us liom auclioning $e gold or s€izing the hypothecated vehictes. ln cases whereth€ auction has been conducted, petitioners have sought an order decleing the auclion io be illegal and void and for retumoflhe pl€dged gold. Cales have also been filed by employees all€ging that their se.vices hav€ been wrongfully terminaled.
2. Our Companv has been nade pady to civil suits which are pending before ih€ civil couns in differenr stares. These caseshave been filed by omqs ofbranch premises for evicrion on various grounds including non- payment ofrent, enhancemenrofrent, expiry oflease period and trespass. The petirioners have also ctaimed da.ug"" una pioit .
3. Our Companv has been made Party 10 a few cas€s *hich are pending before the Disrrict Legal Services Authority. Thesecases have been ffl€d by customers for reduction in the aucrion amount and to permii reminance of rhe amount,compensation for deficiency in service tud rerurn ofptedged goods.
4. A.few ofour employeesiave filed cases against lhe Company b€fore various labour commissioners dd inspectorc whichrelate to non-pavm€nt ofminimum *a8es or overtime waees, claims for anears of salary, encashmenr of le;ve, refund ofsalaiy dedlcled or re_insrai"menr. our conpany has been made a parrv to cases by agency appo;ntea securrty guards beforevarious labour commissioners, couris and ofiic€r, which relate to non-payment oi.i,i.u,, *g.". o* co.pany tr* t enmade a partv to cases in relation to violation ofrhe Paymed ofcratu;iy Act. 1972 d rhe rutes-there under ana Sectionts,Rule 29(5) and Section I8(2), Rule 2l ofrhe Minimum Wages Ac!L!94S in relarion to the firnishana ofthe annuat retums
challengins rhe aJbirration awards on the srounds;f impi6a;/swhom arbitration awards have been passediice ofthe appointmenr ofthe arbilrator. theplace ofarbitration and ihe claims and do;ments reliejon by rhe C
juslice withoutrhe opporrunity to behe&d.and for violation oflhe principles ofnatural
Mrterial Civil Crses initiated by Our CompanyL Our Company has initiared 52 civil cases against the owners ofthe leased premises in which our Company's branches are
tocated. Th€s€ cases have been filed for obtaining i.jlnctions against owners ofrhe branch premiscs to prevent forcetul
eviction and ro ensure peac€fu1 possession ofthe $emises, for compensation and recovery ofadvance submitted. As on the
date ofthis Disclosure Document, these cases pending before various courts.
2. Our Company has filed a special leave petition (Civil) bearing referenG nunber 35045 of2009 b€forE the Supr€me Court
oflndia chalenging rhe common final judgmenr and order datcd November 18, 2009 passed by the division bench oftheHigh Coun ofKirata. Our CompaDy had filed a writ petition before the High Court of Kerala challenging the o.der oftheCommissioner of Commerc;al Ta.yes, Kerala, which directs our Company to register under the provisions of K€rala Money
Lend€rs Act, I 946, as amended ftom .ime to time (..KMLA '). The single judSE of the High courl of K€rala held that our
Company fell within the meaning of"money lenders" as defined under the KMLA On appeal, rhe division bench oftheHish co;( ofKerala upherd the;rder ofrhe sinsl€ judSe dated February t4,2n07, and dismissed all appeals in connection
with such writ petitiofl. The Supr€me Court oflndia has admitted the aforesaid spe.ial leave petilion and pursuant lo an
order daled D€;ember 16, 200t stayed the opemtion ofthe impugned order ofth€ division bench ofthe High Cou( ofKerata. Further, th€ supreme court has by its order dated July 4, 2012 odcfed that th€ slay Smnted a.liq would continue
undt the pend€ncy ofthe matter. The special leave petition was listed for final argum€nts on May 2, 2019 but was not taken
up. The next date is awaited.
3. Our Company has fited a writ petition before the Kamataka High Court against the order ofthe D€puty Registrar ofMonev
Lenders;ared May 8, 2012 a;d lhe order oflhe Registrar of Co-operative Societv/Monev t'enders dated Mav 11, 2012
*hich stiputare tdt our Company fa s wirhin the purview ofthe Kamataka Money L€nders Act, 196l and the v.amataka
proh;biri;n of Exorbitant Interest Ac! 2004 and that crim;nal proceedings should be initiated against our CompaDy for
|elying exorbirant inte.est rates. The Kamataka High Court has by its order da€d Juoe 13,.2012 in the civil 1!t p4ition
t8;9772012, directed the respondents not to take any coercive action pending disposal ofthe {rit p€tition. The matter is
pending.
4. ouI company has filed a writ petition beari'gNo, lT168of20l4onJuly4,2014chatlengingthenotic€sissuedbyKollamMunicipai Corponrion requiri;g our Company ro obrain a Iicense under the provisions of Kerala Municipalities Act and
seerini a writ ofmandamus dectaring rhai the business of adwncing toans againsr pledse ofsold omamenrs as s€curity
does nit fa within the scope ofthe r;levanr notification so as to render it liable for payment of lic€ns€ fees. The man€r is
cunently Pending.
5'ourCompanyhasfiledawritpetitionbearingNo.w?(C)No.34217114befor€theMadrasHighcourtagainsttheorderbeing c. i.,lo. 1838OW12014 dated D€c.mber 13, 2014 (..Order") passed by the tnspector ofpot;ce, Economic otrences
Win; II ru) Veltore C.Respond€ni") seekingquashing ofrhe impugned Order and issue direction to the respondent vide a
wr;r-of crriiorari inciuding such orher order as the court may deem fiL interim stay has been ganted in favour ofour
Company and ihe police his been directed to surrender j€*€ls in its custodv to Coun The mattei is pendi'g-
(..Authority,,) challenging th€ applicability of circulai issued by the Aut}ority in respect of use th€ electronic weighinS
iarana or 6liss I or ciass u having e-value of I mg. The matter is admitted and is awaited for listins
T,ourComPanyhadfiIedawritPetitionbearingNo.24632l20l6beforelh€KamatakaHighCourtonApril23'2016foIqu".ting'ofti"o.a".U"ring),io.CO30CLM2016datedMarch21,2Ot6palscdbyrhesecondrespo.de,addilionalJhief s"iretary, co,r. of x;ahka directing the peritioner to stop the auction proceedings- The Kamataka High court
p*."i "" "iali
a",a S.pr"."ber 2J,2016 diimissing the writ. An app$tt€arina wlit appearNo. 5r41,2016 has been filed
iefore the xarnaraka uigh court by our company on Decemb€r 17,2016. The mauer is at the $a8e of hearing and is
avaited for listing.
S,ourcompanyhasfiledaM;tperitionbearingNo.333582ol6beforeth€Kam.takaHighc.ourtonJune13,20l6againstrt. srut" or fu-utd o ana orhers s€€king fo;quashinS ofrhe order by ihe authoriry cancelting the exemption gfanred in
favour ofour Company. lnterim stay has been gmnted. The matter is pending'
9. our conipany has filed a trit p€tition beaiins No. 4e824/2016 before the Allahabad.High coun on octoq X:019 igiiTlthe State of Uttar Pradesh. aod two others seeking before aie that the business of advancing loans against
the pledge of gold omaments as security will nol come ofSection 298 ofUP Municipality Act
1916 and the third respondent beitrg Deoria Nagar to d€matrd or leq lic€nse fe€ aeainst our
Cornpany. Our Company turther praved for quashing
admission.
respondent. Th€ matt€r is pending for
lo.Our Company has fil€d a writ petition b€aring writ Petition No.49826/2016 before the High Coun on Octobe.7, 2016 against th. State ofuuar Pmdesh and two others seeking before the coun b declare the business of advancingloans against lhe pledge of gold omamenls as security will not come under the ambitMunicipality Act, 19l6snd the third respondent being BhadohiNagar Palika has no
scope of Secfion 298 of uPto demand or levy license fe€
A summon dsled May 25,2018 was received in the name ofMr. V.p Nandakumar, Managing Direcror Manappuram FinanceLtd ftom Etrforcement Dir€ctorate under secrion 37(l) and (3) ofthe Foreign Exchange Management Acr 1999, .ead withSection I 3 I ( I ) oflncome Tax Act, I 96 I and section 30 ofthe code of civil procedue, 1908 with respec. ro investigarion in thecase of Manappuram Group of Companies under the provisions ofThe Foreign Exchange Management Act, I 999, as amendedfrom time to time ("FEMA Act"). He was instruct€d 10 appear before the ED on June 7, 2018 uder the provisions of FEMAAc. along with the evidenc€. Mr. v.P. Nandakumar appeared in person before ED and provided the detaits. Thereatur, rhe€nforcement direcrorare, Kochi issued a summons (No. 'f-3ts2tKczo/zot5/233't) dared December 12. 2018 .o v.pNandakumar' the Managing Director and cEo .fMAFIL, under section 37(l) and (3) offie Foreign Exchange ManagementAct 1999, read with section 13l(l) oflncome Tar Act 1961 and secrion 30 ofrhe code ofcivil pr;c€dure, tsot wittr iespectto certain information in relation ro rhe Manappuram group of companies under the provisions of the FEMA Acr. v.pNandakumar thmughthe lener dated January 30,2019 provided the inforrnarion sought which included but was nor limited to,membership registEr from January 01,2010 till January,20l9 ofMaben NidhiLimirad, membership applicarions submittedbymembe-rs ofMaben Nidhi Limired ftom January 01,2010 till JanuarJ,2019. AIso, v.p. Nandakumar appeared in person beforithe Etrforcement Directorate on March 12,2019 in respect ofrhe same. No subsequent cominunicati;; has been received byV.P. Nandakumar in this regard posr March 12,2019.
Conpourdirg rpplicstiors under the CompeDies Act, 1956
The _co_mpanv
failed ro make entries in rhe register ofcompanv mainrained under section 301(l) ard (2) ofthe companies Act1956 for rh€ conrracts entered with M/' Manappuram chit Fund co. p,t. Ltd. The comp;;y fited appricarion Lefore rheRegional Dir€.tor, sour.hem Region, MCA chennai uder secrion 62rA ofcompanies eo ies6 seeking iompounding ofthe
Tte Managing Dir.ctor being the proprie.or ofM/s. Manappuram Chit Fund Co. pfi. Lrd has faited 10 disctose the mrure ofhis concem or int€r€st h the board meetings of the company and therefore contravened the provision of section 299 ofrhecompanies Acr. 1956. The companv fiied apprication before the Regionar Director, southem Region, McA chemai und€r
agaidst our Company. Our Company tunher prayed for quashing the noticis issued bypending for adDission.
the State of Karnataka seeking a direction to declare the Sub Rule 13 (i), (,i) & (iii) ofM€trology (Enforcement) (Amendment) Rules 2014 pernotificalion dat€d January 23,2016
struck doM. Further our Company also prayed before the Coun to quash the consequentialissued by lnspector of Legal Metrology. The matter is pending for admission.
lrv
rd respondent. The matler is
High Coun on November 30,ceniorari or any other r+rit or
I l.Our Company has filed a tTit petition bearing Writ Pelition No. 38380/16 before the Kerala2016 against fie Land Revenue Conmissioner and others seeking the Court 10 issue a wrildirection for quashif,S the orders passed by the District Registrar and Land Relenue issioner for impounding lhememorandum ofdeposit oflitle d€eds and for passing an order or direction directing the respondent to register rhe
mortgage crealed by virtue ofdeposit oftille deeds on receipt of the stamp duty under theKerala Stamp Act without imposition ofany further stamp duty. The matter is al th€ stage
12. Our Company has fi led a writ petition bearing No. 12695/20 I 7 before the Kamataka High on March 21,2017 againstIe 3 of the Karnataka Leeal
No. FCSl8l EBT 2014(Gazette Notificalion dated 25.01.2016) regarding use of I mg accuracy weighing devi
The R€gional Direclor, Southem Region, Chennai v
as unla$'ful and liable ro b€notices under the notification
13. Our Company has fil€d a *rit p€tition bearing No. 8415201 7 befor€ the Kerala High Court March 13,2017 againsl theStare represented by s€crctary to the govemment ofKemla pEying before the Coun b decl that am€ndment to lhe KemlaMinimum Wages Act, 1960 as ultravires and for quashing of ihe same. That the Kerala Couri on April 10, 2018dismissedthe writ. OurCompany has filed an appeal bearing writ appealNo. WANo. llthe impugned order oflhe Kerala High Court. The maner is pending foradmission.
l8 on June 14,2018 against
Enlorce nent Direc t orute l " ED " )
section 62lA ofCompanies Ac!1956 seekin;
order dated May 20.ng compoundins feesoffeoces mder section 301(l) & (2);d secrion 299
2013 compounded the above mentioned
Y
3. Any mxterial event/ developmeDt hnving implications oD th€ finrncials/credit quality iDcluding rnv m,r€rialregulatory Details ofborrcwings oflhc company, {s on rhe trtest qurrterend;
t1l, sth Floor, Aishwarya R siness Plaza and two ca,,arking areas, situated in Sr. No. 5589-8, KoletulratI/ittage, Santacruz (Ean), Andhei Taluk, Munbattubtban Di$nct; and (ii) a charse in favour of th.,lebentxre trustee, on a anent assets, book debts,
rcceieabbs Aoh yesent and lutut.), ercept .hos..eceivables specilically and erclusirely charyed on .frd ranking pai pastu bosis with a other lende.s t.our Conpanr holding pari passu chalge over th.tecutity such that an asset cover of 1000,4 of i"o tstanding anoltnt ofthe non-comefible debentues i:
aintained until matuit date.
Axis Bank
C. IYth ttibliciss e
S
ISINr/Peri
rity
Coup issued(In {
million)
Dateof
allotin
Redemp
Schedul
Credit
rating
Secu
Uns
ed
Security
OtherDetails viz.Deiails of
IPA,Details of
CRA
;riII
INE522DO7434
6 years
3ZErc
Coupon150.52
October18,2014
January
18,2021
CRISIL
A+/Stable
/a
d
'tlE secuted redee abL non-coivertible debentnest@ee been eclted br O nottga* oter the in6ovdbl.,rcpe y ol the Conpdt neaflnnq 2.25061 sq. Jt.,enp the .orpora,e olice annu buildtns of the
Co;panr, beoline d@t tu. 501 , 5th FlNr, AishwarydBusikess Ptaza on l two cor NrkinS orc6, situted ihtr No. 5589-E- Kolehdron village. Sorttu@ (East)
,nitcti rahtt< M"nbot Subtban Dista.t and (ii) d
charse in lMur oJ the debenture trutee, on atl drenlnssets. b@k debts. [email protected] (both pr.senl and fut"re)erceDt thov r.etwbles specili@llr and etclu t.bchoised. on o frst ran*ng pa Poe bosis uth ot,
othet lend.A to out Conp ! holditg poti p6tu chos.ltu he s.cunN such that on 6et covet oJ 100a o of thl
li*t lned untit nonrirv dare.
Axis Bank
D. Vth prblic istue r.l\4,swt?Yr-r/
Series ISNr/Period of
rity
Coup(In {miUio
Dat
alloSchedule
Creditraling
Secu
Uns
Security OrherDetails viz.Details of
IPA,Details of
CRA
ier;es I l 10 277.98
No
2018
January 3,2020
BWR
CARE
(Stable)
SecuAxis Ban-k
INE522DO7AG3 conve ible .tebentutes havebeen secuftd b, (i) noigageo1;et the innol)able prope yof the Conpony situoted atKanathur Red ) KuDDan
Yi age Chengelpafiu Talul.Kanc fu epuratu D ist r ic t : and(ii) o chorye in lowut ol thedebenture trustee, on acurent a.tsets, book debts,rcceivables Ooth present and
futu,e), except thosere ce irab le s spec ilical ly and
erclusiwly charsed, on afirstrankins pati passu basis vithall other lendets to ourConpan, hokling pari passucharye oeet the security suchthat an asset cover of lqynoJ the outstanding onoun, olthe non-coneiible
INE522DO7AN'I 2.003umulal
122_82I'Iovember 28.
2020
ieries 8 lNI.t522D07ANS 3.00Sumulal
r93.89),rovember 29
2021
leries 9 INE522DO7AO7 5.00lumulal
147 _96f,Iovenber 29
2023
eries l0 INE522DO7AP4 7.0tlumular
397.72\ovember 29
2025
E. YIth ptblic btue
Series ISIN
rity
Coup(In I
million)
Date
allot
t
Redemplion
Schedule
Crednraiin8
ed7
Unse
SecurilyOrher
Details viz.Details of
IPA,Details of
CRA
ieries IINEs22DO7
1.00 9.35Yo 153.13
06-Mar-2019
5-M^t-22
CARE
R
+
Secur
The secuted redeenable non-conveiible debenturcs h@e beensecurcd by (i) mortgase ovet theinnoyable prcpery of the Conpanysituated at Kanathu Re&ly KuppanYillage Chek*elpattu Talul.Kancheepurun District and (ii) acharye in fawu, af the debehturctrustee, on all cunent assets, bookdebts, recebables Ooth prcsent andfuturc), etcept those receivables
Axis Bank
;e.ies 2rE522D07 A
Y25.0r 9.750/, 285.00 6-Mar24
;eries l tNE522D073.00 9.750/" 166.04 6-Mer22
TNE522DO7AX8 5.01 10.15% 205.:10 5-MaF24
-l
q
\NDTIRA BANK333.00
333.00 '7-l]un-22 Gold loan and
the underlying
CARE SecuredLoans
AXIS BANK240.9t
240.91 30-Jun-22 Entire currentassets including
sold loan
CARE
}AJAJ FINANCE Term Loan168.75
168_'.75 4-Apt-22including
BWR
}THOLIC SYRIAN
}ANK 56_25
56.25 28-ran-22includingbookdebts and
CARE
\NDHRA BANK ST,I'CDL120.00
120.00 l-Mar-20 gold loan and
the und€rlyins
CARE
IEDERAL BANK Term Iran50.00
50.00 281Un-27 cold loan
includingother
CARE SecuredLoans
\NDHRA BANK OD/CC80.00
73.03 gold loan and
the underlyinS
CARE S€cured
\XIS BANK oD/cc50.00
t7_t4 CARELoans
\XIS BANK ST/WCDL250.00
250.00 l8-Jun-20 On entire Cunent CARE Secured
IDFC BANK74.22
78.22 7-May-24 BuildingMongage Mumbai
BWR Secured
NTERNATIONAL:INANCE
]ORPORATION
Term Loan (ECB)240.00
240.00 26-r.,Jn-22 Eligible CARE
]OR?ORATION}ANK
ST/WCDL500.00
500.00 2l-Apr-20 CARE
.ARNATAKA}ANK 100.00
100.00 28-lan-20 Receivables and CARE SecuredLoans
.OTAK
",lAHINDRA}ANK
87.50
87.50 8-lul-21includinggold
CARE
.IABARD Term Loan(Refimnce) 614.60
614.60 3lJul-2,1
lending to MFI'S
$(
racility^nstrument I Sarctiored Principal
Outstauding(Rs
;eries 5!E522D074
Y6 3.00Zero
Coupon174.75 6-Mai22
specift@lly and exclusiwly charged, ona Jirst ranking pan pas$ bdis *ith aother lendery to on Conpany holdingpari passu .harge over the secunrystch that an asset cover of 100% oftheoutstanding anont of the
IDFC Bank 3 monthsMCLR plus spreadas r€set on coupon
date9.soKXIRR)which translares toapprox.9.ll% on
CRISIL AA.
IDFC Bank3 monthsMCLR plus spreadas reset on coupon
date9.507dxlRR)which trans,al€s toapprox.9.ll% on
31.0'7 _2020,31.0',t _2021
CRISIL AA.
tE522DITADO
tE522D17AE8
1E522DI7BB2
rE522D7BC0
E5220IBD8
E522DIBE6
first ranking pari passu charge by wayof hpothecation over present andtuture gold loan receivables of the
first ranking pari passu chargp by wayof hpothecation over present andfuture gold loan receivables of theCompany
fi.st mnking pari passu charge by 1}ayof hypothecation ov€r pres€nt andtuture gold loan receivabl€s of theCompany
rankins pari
ranking pari
ranking pa.i passupresent and future
ranking pari passu
Present and tuture
passu .harge on thetuture receivables of
theof
chargr on the
3,2Detailsofsecured/unsecuredloanfacilities/banlrunausearac;titleilr@Iike foreign cunency convertibl€ bonds (FCCB), optionally convertible debentures / preftrence sharcs from banks oifinancial instituions or financial creditors, as on last quarterend:
. Detdls of sccurcd loanlacilitiar
reszzo I r.z-anars
|
:r"^
)RIENTAL BANK)F COMMERC
Term Loan187.50
187.50 3o-Sep-23book debts &
including gold
BWRL-oans
)HANLAXMI}ANK
ST/WCDL33.00
33.00 28-Sep20 Entire cuFentassets including
BWR secured
.EDER.{L BANK ST/WCDL195.00
195.00 Zz-Dec-2O cold loan
;ncluding other
BWR
IDFC BANK ST/WCDL500.00
500.00 27-J!DI,-20 Enti.e CARE
CICI BANK ST,'\ CDL745.00
745.00 23-May-20book debts &
including gold
CARE
'TNJAB,IATIONAL}ANK
400.00
400.00 30-Sep-22 BWR S€cu.ed
TBL100.00
100.00 4-Apt-22book debts &
includinggold
CARE
DBI BANK ST/WCDL270.00
270.00 21-ran-20 Gold loans and CARE Secured
]ANARA BANK oD/cc100.00
9E-5:1 Enthe curre.tassets;r).luding
CARELoans
NDIAN BANK ST,I'CDL200.00
200.00 26-Feb-20
including
CARE Secured
NI'I ]SITID BANK ST,IVCDL400.00
400.00 2l -Au8-20 BWR
.ARUR \^IASYA}ANK
ST/WCDL100.00
t00.00 22-Marz0 Gold loan CARE
(BL Term Loan (ECB)97.57
97 _57 22-J\1-22
includinggold
CARE
iOTAK
",lAHINDRA
ST/WCDL100.00
,N '\22-run-20
kx includins goldCARE
Yw */
)zuENTAL BANK)F COMMERCE
ST/WCDL120.00
120.00 t-ApF20book debts &
includingsold
CARE Secured
,ITNJAB
,IATIONAL}ANK
ST/WCDL550.00
550.00 22-Sep-2l
including gold
CARE
)ATARIATIONAL]ANK
ST,II/CDL23.00
23.00 9-Feb-20 Entire CARE Secured
ITATE BANK OFNDIA
ST/WCDL750.00
750.00 18-May-20 Gold loan
including entire
CARE Secured
;BI LIFENSURANCE
Term Loan100.00
100.00 27-Atg-22 Gold loan and CARE Secured
|OUTH TNDIAN}ANK
ST/WCDL75.00
75.00 24-Jun-20 cold loair
including entire
CARE Secured
iYNDICATE}ANK
ST/WCDL750.00
750.00 26-J$-20 Gold loanreceivables & all
BWR SeruredLoans
IEDERAL BANK oD/cc5.00
1.78 Cold loan
includingother
CARE
CICI BANK OD/CC5.00
0.43
includinggold
CARE SecuredLoans
;TATE BANK OFNDIA
Term Loan225.O0
225.00 22-Mar22 Gold loan
includingentire
CARELoans
DBI BANK OD/CC175.00
162_22 Gold loans and CARE Secured
JCO BANK91.67
97.67 30-Sep-22 Gold and other BWR
]RITJNTAL BANK)F COMMERCE
OD/CC
I80.00
76.50
book debts &
including gold
CARE Secured
o-
\l'-I,n\
,T]NJAB
'IATIONAL}ANK
OD/CC30.00
19.98 various dates Cunent assets,book debts &
includinssold
CARE Secur€d
Loarls
;OUTH INDIANtANK
oD/cc10.00
8.71
book debts &CARE
,T.JION BANK ST/WCDL450.00
450.00 27-Jnn-20includinggold
BWR
;TATE BANK OFN'DIA
OD/CC475.00
,r49.35 Entire cur€ntassets including
CARE
/IJAYA BANKBOB)
ST/WCDLt50.00
150.00 22-Feb-20assets includinggold loan
CARg
IOB (Vijaya Bank) OD/CC50.00
37.31includinggold
CAR€
JNION BANK OD/CC150.00
146.34;ncluding gold
CARE
A/ooriBank Term lnan50.00
50.00 1-Nov-22including gold
BWR Secur€d
. List ofcommercial Paper Oulstanding as on 3ld December 2019
. Ir?toilt ol Lnsectrcd Loan
21-Mar-19 BM ndia h^ ttd US 14,608,980.23 14,608,980.23 1.60% lJan-20 US
28-Jun-19 BM ndia Pvt Ltd US 74,249,664.54 14,249,568.54 a.7 4% lJan-20 US
28-lun-19 BM ndia Pvt Ltd. US 74,561,865.22 74,561,865.22 a."t 404 1-Apr-20 US
12-Sep-19 IBM ndia Pvt ttd US 13,621,919.18 13,621,919.18 7.91% l Jan-20 US
12-5ep-19 t8M ndia ht ttd LS 13,927,839.59 13,927,a39.59 7.91% 1-ADr-20 US
12-Sep-19 IBM ndia P\.t Ltd US 74,230,324.06 t4,230,324.06 7.9744 1-Jul-20 US
09'Dec-19 IBM lndia Pvt Ltd. US 76,195,269.27 76,795,269.27 7.75% lJan-20 US
09-Dec-19 l8M lndia Pvt ttd. US 15,191,206.63 15,191,206.53 1-Apr-20 US
09-Dec-19 IBM lndia Pvt Ltd. US 75,523,57 4.26 15,523,57 4.26 7.75% 1-lu120 US
09-Dec-19 IBM lndia h^ Ltd. US 15,859,3s8.84 15,859,358.84 7.75% 1-oct-20 US
r47,97O,OO5.2 L47,91O,OO5.2
tstN Period ofmaturity
CouponDit. of
xlormer{ ffiffi"'n-"" rity
otherDetrils
lPA, Detsils olCRA
eN67
INE522DI4LI2 365 9.00% 250,000.000.00 30-SeD-19 29-Sep-20 CRISIL AI+. CARE AI+ NA Axis Bank
INE522DI4LIO 90 7 -40Yo 500.000,000.00 l7-Oct-t9 l5-Jan-20 CRISIL AI+. CARE AI+ NA
INE522DI4LJO 90 '7 _!ff/. 500.000.000.00 l7-Oct-19 l5-Jan-20 CRISIL A]+. CARE AI+ NA ,dxis Bank
INE522DI4LK8 a7 1.4P/. 1,000.000.000.00 22-Oct-19 ITJan-20 CRISII- A]+. CARE AI+ NA
INE522DI4LM4 90 '7.40% 2,000,000,000.00 23-Oct-19 21-Ja."20 CRISIL AI+. CARE AI+ NA Axis Bank
INE522DI4LL6 90 7.40?/o 2,000,000,000.00 24-Oct-19 22-Jnn-20 CRISIL AI+- CARE A]+ NA Axis Bank
INE522DI4LL6 90 '7.400/, 1.000.000.000.00 24-Oct-19 22-Jan-20 CRISIL AI+, CARE AI+ NA Axis Bank
INE522DI4LN2 90 '7.40% 2.000.000.000.00 29-Oci-19 271?.n 20 CRISIL AI+. CARE A1+ NA ,d\is Bank
INE522DI4LN2 90 '7.40% 500,000,000.00 29-Oct-19 27-l^n 20 CRISIL AI+. CARE A1+ NA ,dYis Bmk
INE522DI4LOO 90 7.400/, 1,500,000,000.00 30-Oct-19 28-Jan-20 CRISIL AI+. CARE A1+ NA ,dxis Bank
INE522DI4LQ5 90 '7 _400/. 1,250,000,000.00 5-Nov-19 3-Feb-20 CRISIL AI+. CARE A1+ NA ,dYis Bnnk
INE522DI4LP7 9l 7.40% 5.000,000.000.00 6-Nov-l9 5-Feb-20 CRISIL AI+, CARE A1+ NA Axis Bank
INE522DI4LR3 9l 7.10vo 2,000,000.000.00 8-Nov-19 7 -Feb-20 CRISIL AI+. CARE A1+ NA ,d\is Bank
lNE522DI4LR3 9l 7 _400/. 1,750,000,000.00 8-Nov-19 7'Feb'20 CzuSIL AI+. CARE A1+ NA ,d\is Bank
NE522Dl4LSl 91 7 _400/" 2,500,000,000.00 I l-Nov-19 I0-Feb-20 CzuSIL AI+. CARE AI+ NA ,dxis Brnih-E522Dl1LSl 9l 7 _400/" 1.000.000.000.00 I l -Nov- 19 l0-Feb-20 CzuSIL AI+. CARE A1+ NA Axis BanIINE522DI4I,TS 91 '7.400/. 2,500,000,000.00 l3-Nov-l9 l2-Feb-20 CzuSIL AI+. CARE A1+ NA Axis Bank
INE522DI4LU7 363 9.t3vo I .000.000.000.00 13-Nov-19 l0-Nov-20 CRISIL AI+. CARE AI+ NA ,dxis Ban-k
INE522D 14LW3 9l 6.770/o 2,000,000.000.00 2-Dec-19 2-Mar-2.0 CRISIL AI+, CARE A1+ NA Axis Bank
lNE522Dl4LWl 9t 6_',t70/" 500,000,000.00 2"Dec-19 2-Mar-20 CRISIL AI+, CARE AI+ NA ,dYis B,rn-k
INE522DI4LV5 87 6.t1% 2.000,000,000.00 28-Feb-20 CRISIL AI+, CARE 41+ NA ,d\is Bank
INE522D I4LX I 9l 6.77% 1.000,000,000.00 4-Dec-19 4-Mar-20 CRISIL AI+. CARE AI+ NA ,dYis Bank
INE522DI4LXI 9l 6.77r/o I .750.000,000.00 4-Dec-19 4-MaF20 CRISIL AI+. CARE AI+ NA ,d\is Bank
INE522DI4LY9 90 6_70% 2.000.000,000.00 l3-Dec-19 l2-Mar-20 CRISIL AI+. CARE AI+ NA Axis Br.kINE522DI4LY9 90 6.700/, 1.000.000.000.00 13-Dec-19 l2-Mar-20 CRISIL A1+. CARE A]+ NA Axis BmkINE5?2DI4LZ6 9l 6.25% 500,000,000.00 23-Dec-19 23-Mar20 CRISIL AI+. CARE AI+ Axis Bank
INE522DI4LZ6 9l 6.250/, 450.000.000.00 23-Dec-19 2l-Mar-20 CRISIL AI+. CARE AI+ Axis Bank
INE522Dl4l.26 9l 6.250/. 50,000.000.00 23-Dec-19 23-Mar.20 CRISIL A1+. CARE AI+ Axis Bank
3.3 Details of secured./ unsecured loan facilities/bank tund based facilities/ rest ofthe borrowing. ifany, including hybrid debl
like foreign cmency convertible bonds (FCCB), oplionalu convertible debeniures / preference shares from banks or
financial inslitutions or financial creditors, as on lasrquarterendi
. Dettilt oJ teuredlou fadlines
Gold loan and oiher loan
underlying asets ofthe
t00.00 Entire cunent assetsincluding gold loan
ANDHRA BANK
SecuredLoans
dXIS BANK
a
BAJAJ FINANCE t06.25 106_25 4-Apr-22
Current assets including BWR Secured
]ATHOLTCSYRIAN BANK
Term Loan 62_50 62.50 28-Jan-22
AII current assets includingbook debts and re€€ivables
CARE Secured
ANDHRA BANK ST/WCDL 120.00 t20_00 4-Dec-l9
gold loan and other loan
underlying ass€ts oithe
CARE
FEDERAL BANK 195.00 195.00 28-Jun-21
Gold loan receivablesincluding other curent assets
CARE
ANDHRA BANK OD/CC 80.00 '75.66 gold loan and other loan
underlying assets of the
CART
AXIS BANK OD/CC 50.00 6.55 on entire cunent assets ofthe CARE
AXIS BANK ST/WCDL 250.00 250.00 28-ApF20
On entire Cunent Ass€ts ofthe Company
CARE Secured
|{DFC BANK 81.65 81.65 7-May-24
Building Mortgage MumbaiComorate Ofiice
BWRLoans
:ANARA BANK STNVCDL 95.00 95.00 6-Dec-19 including ass€ts receivables
CARE Secured
INTERNATIONALFINANCE.ORPORATION
Term Iran(ECB)
240-00 244.00 26-r'un-22
Eligible receivables of the CARE Secured
:ORPORATIONBANK
ST,'\MCDL 500.00 500.00 2l-Apr-20
On re.eivabl$ of company CARE Secured
KARNATAKABANK
r01.00 100.00 28-Jan-20
Receivables and loans and CARELoafls
KOTAKVAHINDRABANK
Term Loan 100.00 100.00 8-Jul-2'l
Current ass€ts includidg gold CARELoarls
\ABARD Term L-oan
(Refinancr)614.60 614.60 3l-Jul-
24Assignment of book debb-onlending to MFI'5 &vehicle financ€ at priority
]RIENTAL BANK3F COMMERCE
Term lnan 200.00 200.00 30-Sep-23
Cunent assets. book debts &loans and advances ;ncludinglold loan receivables
BWR
DHANLAXMIBANK
STNVCDL 31.00 33.00 28-Sep-20 including receivables
BWR Secured
FEDERAL BANK ST/WCDL 50.00 50.00MaF20
Gold loan receivablesincluding other curent assets
BWR Secured
HDFC BANK ST/WCDL 550.00 550.00 2-Feb-20
Entire r€ceivableYcurrent CARE
ICICI BANK ST/WCDL 745.00 745.00May-20
Current assets, book debts &rec€ivables including gold
CARE
PIJNJAB\ATIONALBANK
400.00 400-00 30-Sep22
BWR
RBL Term Loan t50.00 150.00
reG7h\Cunent assels, book debts &loans and advances includinggold loan receivables
CARE S€cured
IDBI BANK ST/WCDL 270_00 27qqpll:ll ffig11'"-"
*o other current CARE
E{ tt",\?v,,rt\Z
.ANARA BANK oD/cc 5.00 .1.65
including assets receivablesCARE
TNDIAN BANK ST,'\Ir'CDL 200.00 200.00 26-Feb-20 c.mpany including
CARE Secured
TNDUSTND BANK ST/WCDL 400:00 .{00.00 2t-Aus-20
Receivables and all cur€nt B\! R Secured
KARUR VYASYABANK
ST/WCDL 100.00 I00.00 22-Mar-20
Cold loan receivables & CARE Secured
RBL(ECB)
97.57 97.57 22-Jul-22
Cunent assets, book debb &loans and advances includinsgold loan receivables
CARE
KOTAKVAHINDRABANK
ST/WCDL 200.00 200.00 15,Mar-20
Current assels including gold CARE
SRIENTAL BANK]F COMMERCE
ST/WCDL I20.00 120.00 l-Apr-zo
Current ass.ts- book debts &loans and advances includinggold loan receivables
CAR-E
DTIANL,dXMIBANK
OD/CC 22.00 0.38including receivables
BWR SecuredLoans
PTJNJAB\ATIONAL BANK
ST/WCDL 550.00 550.00 22-Sep20
Currenl assels, book debls &receivables including gold
4-Oct-18 2.000.000.000.00 3-Dec-18 Axis Bank Al+4-Oct-18 500.000.000.00 4-Dec-18 Axis Bank A1+
9-Oct-18 2.000.000.000.00 7-Dec-18 Axis Bank Al+5-Oct- 18 24.000.000.00 Axis Bank Al+
l9-Oct-18 2.750.000.000.00 l8-Dec-18 Axis Bank Al+26-Oct-18 2.500.000.000.00 20-Dec- l8 Axis Bank Al+3-Dec-18 2.s00.000.000.00 28-Jan- I 9 Axis Bank Al+3-Dec-18 2-500-000-000.00 29-Jan-19 Axis Bank Al+6-Nov-18 4.000.000.000.00 Axis Bank A1+
l2-Nov-18 3.750.000.000.00 Axis Bank Al+3.750.000.000.00 I 3-Feb- I 9 Axis Bank Al+
22-Nov-18 3.000.000.000.00 20-Feb-l 9 Axis Bank Al+7-Dec- 18 2.000.000.000.00 7-Mar-.19 Axis Bank Al+
2.7s0.000.000.00 Axis Bank Al+3.000.000.000.00 lS-Mar-19 Axis Bank Al+
20-Dec-18 2.500.000.000.00 l8-Mar-19 Axis Bank Al+28-Jan-l 9 2.350^000.000.00 26-Aor-19 Axis Bank Al+29-Jan-19 3.000.000.000.00 26-Apr-19 Axis Bank Al+
3"7s0.000.000.00 30-Apr-19 Axis Bank CRISIL & CARE Al+2.7s0"000.000.00 2-May-19 Axis Eank CRISIL & CARE Al+2.000.000.000.00 lO-Mav-19 Axis Eank Al+2.750.000.000.00 l4-Mav-19 Axis Bank Al+2.900.000.000.00 20-Mav-19 Axis Bank Al+2.750.000.000.00 Axis Eank CRISIL & CARE Al+3.000.000.000.00 Axis Eank Al+2.500.000.000.00 Axis Eank CRISIL & CARE Al+
26-Apr-19 1.500.000.000.00 Axis Bank Al+26-Aor-19 1.500.000.000.00 Axis Bank A1+
26-Aor-19 2.350.000.000.00 26-Jul-19 Axis Bank Al+30-Apr-19 6s0.000.000.00 26-Jul-19 Axis Bank Al+3O-Apr-19 1.s00.000.000.00 24-Jul-19 Axis Bank Al+2-Mav-19 2.500.000.000.00 29-Jul-19 Axis Bank Al+3O-Apr-19 500.000.000.00 Axis Bank Al+
feft\ffiv
INE522D14KG8 3 19 250,000,000.00 3Grul-le I Axis Bank CPJSIL & CARE Al+
INE522D14KG8 2 Mzy 19 250,000,000.00 3Grul-1e I Axis Bank CPJSIL & CARE Al+
tNE522014X68 3-May'19 1.000,000,000.00 3Grul-19 | Axis Bank CPJSIL & CARE At+
tNE522D14K(0 10-May-19 2.000.000.000.00 s-aus'19 | Axis Bank CRISIL & CARE
INE522D14KL8 14-May-19 2.750.000,000.00 8-auR $ | Axis Bank CRISIL & CARE
tNE522014KP9 13-lun-19 750,000,000.00 9-Aus-19 I Axis Bank CR]SIL & CARE
!NE522D14KP9 13J!. 19 2s0.000.000.00 9-Auc-19 Axis Bank CRISIL & CARE
rNE522D14KQ7 13Jun-19 2,000,000,000.00 13-Aux-19 Axis Bank CRISIL & CARE
rNE522D14(R5 1,llun-19 2.500,000,000,00 Axis Bank CRISIL & CARE Al+
INE522D14KM6 20-May-19 2,000,000,000,00 t&Aug-19 Ax;s Bank CRISIL & CARE
tNE522014KN4 20-Mav-19 500,000,000,00 19-Au8-19 Ax;s Bank CR]SIL & CARE
rNEs22014KN4 20-Mav-19 250,000,000.00 Axis Bank CRISIL & CARE
rNE522D14lY3 7 Mar19 2.500,000,000.00 3-SeF19 Axis Bank CRISIL & CARE
!Nt522D14KS3 4lu-19 2.000.000,000.00 4-Sep 19 CRISIL & CARE
tNE522D14XO2 2,750,000,000.00 5-Sep 19 Axis Bank CRISIL & CARE
INE522D14LA9 500,000,000.00 27-SeE19 Axis Bank CzuSIL & CARE
1NE522D14fi1 19-Jul-19 2,500,000,000.00 17-Oct-19 Axis Bank CzuSIL & CARE
TNE522D14(U9 26lul19 3,000,000,000.00 2l-Oct-19 Axis Bank CRISIL & CARE
INE522D14KV7 26Jul 19 1,500,000,000,00 24-Oct-19 Axis Bank CRISIL & CARE Al+
lNE522014KV7 29-lul-19 500,000,000.00 24-oct-19 Axis Bank CR]SIL & CARE
tNE522D14KWs 30-lul'19 1,500,000,000.00 29-Od-19 Axis Bank CRISIL & CARE
tNE522D14(W5 30-lul 19 250,000,000.00 29-oct-19 Axis Bank CRISIL & CARE
tNE522D14KW5 30-lu -19 500,000,000.00 29-oct-19 Axis Bank CRISIL & CARE
rNE522D14KW5 31-lul-19 2s0,000,000.00 29 oct-19 Axis Bank CRISIL & CARE
rNE522D14KX3 1.500,000,000.00 30 oct-19 Ax;s Bank CRISIL & CARE
INE522D14KY1 5,000,000,000.00 6-Nov-19 Axis Bank CRISII- & CARE
tNE522D14KZ8 9-Au*-19 750,000,000.00 &Nov-19 Axis Bank CRISII, & CARE
rNE522D14€8 13 Aug-19 2,000,000,000.00 8-Nov 19 Axis Bank CRISIL & CARE Al+
INE522D14L87 13-Aus-19 2,500,000,000.00 U-Nov-19 Axis Bank CRISIL & CARE
lNE522D14LC5 1,000,000,000.00 13-Nov-19 Axis Bank CRISIL & CARE A1+
tNE522014KZ8 1,000,000,000.00 8 Nov-19 Axis Bank CRISIL & CARE
rNE522D14L37 16-Aus-19 1,000,000,000.00 11Nov-19 Axis Bank CRISIL & CARE
tNE522014LC5 lCAus-19 1,500,000,000.00 13-Nov t9 CRISIL & CARE
NE522o14LC5 19-Aus-19 1,000,000,000,00 13-Nov-19 Axis Bank CRISIL & CARE
INE522D14LE1 3 SeD-19 500,000,000.00 2 Dec-19 CRISIL & CARE
INE522D14LE1 3 sep-19 2,000,000,000.00 2-oec t9 Axis Bank CRISIL & CARE Al+
INE522D14LD3 4 5ep-19 2,000,000,000.00 3-Dec-19 Axis Bank CRISIL & CARE
tNE522014LF8 5-5ep 19 2,750,000,000 00 Axis Bank CRISIL & CARE
INE522D14LG6 13-Sep-19 2,000,000,000.00 13-Dec'19 Axis Bank CRISIL & CARE
NE522D14LG6 13-Sep-19 500,000,000.00 13-Dec-19 Axis Bank CRISIL & CARE
INE522D14LG6 13-!ep-19 500,000,000.00 13-Dec 19 A{is BaRk CRISIL & CARE
INE522D14LH4 23-Sep 19 1,000,000,000.00 23 Dec 19 Axis Bank CRISIL & CARE
rNE522014Lr2 30-5ep-19 250,000,000.00 29-sep-20 Axis Bank CRISIL & CARE
tNE522D14U0 17-Oct'19 1,250.000,000,00-J5-lan-20
Axis Bank CRISIL & CARE
22-Oct-19 1,OOO,OOO,OOO.9d \N A i;rt;.*20 Axis Bank CRISIL & CARE
INE522D14LM4 23-oct-19 2,OOO,OOO,OOI,ID ' -di,irrt-.hCRISIL & CARE
INE522D14LL6 24-lcr 19 2.000,000,0r $ 22-. Axis Bank CRISIL & CARE A1+
w2
LNE522D14LL6 24 oct 19 00 221an-20 Axis Bank CRISIL & CARE
]NE522D14LN2 2g-oct-19 2.500.000.000.00 27)a -20 Axis Bank CRISIL & CARE
NE5220141O0 30-oct-19 1,500,000,000,00 28-.ran-20 Axis Bank CRISIL & CARE
INE522D14LQ5 5-Nov-19 1,250,000,000.00 CRISIL & CARE
INE522D14LP7 6-Nov-19 5,000,000,000.00 CRISIL & CARE
INE522D14LR3 2,000,000,000.00 CRISIL & CARE Al+INE522D14LR3 8-Nov-19 1,750,000,000.00 Axis Bank CRISIL & CARE Al+NE522D14LS1 11-Nov-19 2,500,000,000.00 10-Feb-20 CRISIL & CARE
NE522D14LS1 11-Nov-19 1,000,000,000.00 10'Feb-20 Axis Bank CRISIL & CARE Al+INE522D14LTg 13 Nov 19 2,500,000,000.00 12-Feb-20 CRISIL & CARE
INE522D14LU7 13 Nov 19 1,000,000,000.00 10-Nov-20 CRISIL & CARE
NE5220141W3 2,000,000,000.00 2-Ma.20 CRISIL & CARE
NE5220141W3 500,000,000.00 2-Ma.20 Axis Bank CRISIL & CARE Al+tNE522014LV5 2,000,000,000.00 28 Feb 20 Axis Bank CNSIL & CARE Al+tNE522D14LX1 4-Dec-19 1,000,000,000.00 4,Mar,20 Axis Bank CRISIL & CARE A)+tNE522D14LX1 1,750,000,000.00 4 Mar-20 Axis Bank CRISIL & CARE Al+lNE522D14Lv9 13-0ec-19 2,000,000,000.00 tl Ma(20 Axis Bank CRISIL & CARE Al+INE522D14LY9 13-Dec-19 1,000,000,000.00 12-Ma.20 Axis Bank CRISIL & CARE Al+NE522D14LZ6 23 De. 19 500,000,000.00 23 Mat 20 Axis Bank CR]SIL & CARE AI+
lNE522D14LZ6 23 Dec-19 500,000,000.00 23-MaF20 CRISIL & CARE
3.
the CP was issued for the purpose of onward lending and working capiral managem€nr and the CP proceeds are used for the
Credit Supporrenhancement (if any): N.A.
D€tails ofinstrume.l, amount, guamntor company N.A.
Copy ofthe execuled guaranlee N.A.
Net wonh ofthe guamntor company N.A.
Names ofcompaniesto which guarantor has issued similarguareree N,A.
Extent oflhe guaranlee offered by rhe guaranro. company N.A.
Conditions und€r which the guarant€e will beinvoked N.A.
FiDrncisl InformatioD:
Audited / Limiled r€view halfyearly consolidat€d (wherever available) and $andalone financiat infomation (profil& Loss
slatemenl, Balance Sheel and CashFIow slalenent) along with auditor qualificarions, ifany, for last thrce years along wilh lalest
available fi nancial results.
ln case an issuer is requned to prepare financial results for lhe purpose ofconsolidated financial resuhs in terms ofRegutarion 33 ofSEBI LODR Regulations, latest avaitable quanerly fiDabciat resutts shalt b€ fited.
LIABILITIES AND EQUITYLIABILITIESI rinsncirlliabilities
Derivative fi nancial instrumeDtsPayablesa) Trade payables
(i) total oulstand;ng du€s of micro eoterprises and
small enterprises(ii) rolal outstanding dues ofcredirors other than micro
enterprises and small enterprises
Debt secur;ti€sBorrowings (olher than debt securitiei)Subordinated liabilitiesOth€r fi nancial Iiabilides
2 Non-finrncialLiabililies
Other non-fi nancial liabil;ties
3 EQUITYEquity share caP;tal
Other equiryTotal lirbilities ,nd equit
E
9t7t0Itt2
l335t4
l5l6
2,934.54t,573.21
1,50,051.7110,108.455,638.99
1.529.156s9.77
3,086.526.62
172.91665.41
1,16,459.59
2,902.231,s23.13
1,28,407.273,782.274,342.95
912.99652.33
2,609.320.07
41.52697.26
r,45,93134
2,619.71t,482.84-
t,14,702.303,251.395.221.O3
598.95561.47
1,760.511.36
29.92362.32
rJ059r.86
17
l8
66_62 461.43
l9202l22
2324
2526
0.30
1,t37.70
47.887.8179,483.85
54.462,625.94
512.66835.26
1;2537.98
1,685.6242,235.99
1,76,459.59
1,061.5 r
48,095.6254,223.85
58.843,37\.42
426.95500.95
1,07,E05.76
1,685.0736,440.51
1,45,93134
1,053.90
44,004.7246,647.17
915.531,911.47
227.29259.32
97rr0.t3
1,6E3.8031,427.23
rJ059r.86
MrmPPuram Financ€ Limil.dStrndalore Statement of Profit ind Loss forthe ve,r endld 3l March 2019
All amounts arc in millions oflndian
Revenue fmm operations(i) lnterest income(ii) F€€s aod €ommission income(iii) Net gain on fair value chanses
27 (i',)
2t (ii)27 (iii)
33,702.79458.61
28,8E7.04373.71
1.87
Prrtictrlxrs
(iv) Other operal;ns incomeTotal Rerenue from opemtions (I)
(II) other income(lII)Total income (I + II)
(i) Finance costs(ii) Fees and conunission expense(iii) Inpairn€nt of fi nancial instrumenls(iv) Employee benefits expenses(v) Deprecialion and amortization(vi) olher expenses
(Iv)Total expenses (Iv)
(v) Profit before tax (lII - lv)
(VI)Tax expense:(1) Cutrent tax(2) Defened rax(3) hrlier years adiustmenB
(vII) Prolit for the ye,r(V - vI)
(VIII) Other conprehersiv€ income(i) Ilems that will not be re clalsified 10 profit or loss
- Remeasurements ofthe defined benefiaasset(ii) Income lax relatingto items that will not be reclassified 10 profit or loss
Oth€r comprehensiYe income
(X)Total conprehensive income forthe year (VII + VIID(Comprisitrs profit and other comprehcDsive i ncone for lhe year)
(x) Earnings per equity shareB6ic (Rs.)D;luted (Rs.)
27 (iv\
28
MrDeppuran Finatrce LimitedCash flow stalement for the yearended 31 March 2019
293031
323334
20.5934,1E1.99
89.8134l7LaO
10,177.6919s.782s9.85
5,801.61684_18
4,974.67
22,094-38
12,177.4
4,375.907.48
(r r0.s2)7,904.56
(42.10)
14.92(21.78'
1,816.18
5.2729,267.49
265.0629,532.95
'7,943.94
t26.67484.19
5,108.62609_10
4,706.15
18,979-27
10,553.68
3,76t.08(85.82)(14.46)
6,890.88
(14.57)
5.04(e.s3)
6,881.35
8.188.17
35
369.389.37
are in nillions oflndian
A. Crsh flo* from operrting rctivities
Net profit before tax
Adjustments for:Depreciation and amortization expens€Impairm€nr on financial insrrumentsProvision for litigationProvision no longer required wrilen backProvision for other 6ers
12,177.42
684.78259.85
5.4',7
o6.05)0.82)(6.53)37 _35
10,177.69(151.76)
23,166.40
10,553.68
609_70
484.190_23
t62 59(3.4r)97.59
7,941.94(67.41)
19,78r.05
Yc[ endcd Yexr endedll [Iarch 2019 3l }l ch 2018
.ll lhrrh:019 lrrrch 20183l
\
B.
Chrng6 in working capitrl:Decrease / (increase) in non-financial asseb
D€crcase / (increase) in loans
Decr€ase / (increase) in other financial assels
tnaease / (d€.r€ase) in rade psyables
lncrease / (decaease) in oths financial liabilitiesIncrease / (decrease) in provisionsInsease / (decrease) in other non-financial liabilities
Consolidrted StateInerr of the yearerded 31 March 2019
\Revenue fromopeririont
Note A! at As at As itNo: 31N1arch20t9 3l larch2018 I April2017
(i) Iit€rest income(ii) Dividend Income(iii) F€€s and commission income(iv) Net gain on fairvalue changes(v) Other operatins income(I) Totrl R€venue from operrtions
(Il) Other income([DTotal income (I + Ir)
Expenses(i) Finance costs(ii) Fees and commission expense(iii) Impanment on financial instruments(iv) Employee b€nefils expenses(v) Depreciation and amortization(vi) oiher expenses([/)Total expenses (ID
Ol Profi! before tax (III - I\)
(vrlTax expense:(l) Current tax(2) Defened tax
(VII)Profit for rhe period (v-vI)
(VIIDOther conprehensive incone(i) Items that will not be re classified to profit or loss - Remeasuremeds of
the defined benefil plans(ii) Incorne tax relatinsto items that willnorbe reclassified to profit or loss
Oih€r conprehensive incone(X)Totrl comprehensive income for the period (VII+vIIt) (ComprisiDg
profit.nd other comprehensive income forth€ period)
Profit for the yerr attributable toEquity holders ofthe parent
Non"controlling interest
Otner comprehetrsive income for the ye.r' net oftnxEquity holdeG ofthe parent
Non-controlling interest
Toial comprehcnsive income for the year, net of taxEquity holderc ofthe parent
Non-controlling interest
(x) Darninss per equity shareBasic (Rs.)Diluted (Rs.)
l(D
3r (i03 r (iii)31 (iv)
32
40,120.5650.76
837.050.21
154.604l,l63.lE
625.1841,788.36
13,194.40195.78460.93
7,20t.12152.34
5,710.8627,515.43
11,272.93
4,753.17224.91
9294-83
(39.07)
13.79(2s.2E)
9269-57
33,539.5019.59
593.st5.64
49.3634207.60
584.2934,79r.89
1o,304.47126.67
1,773.166,260.75
682.59
21y'22.88
r0i69.0r
3,148.54(r39.25)
6"759.12
( l r.58)
1.81(7.1r)
6,152-Ot
333435363l38
3939
40
9,224.10't0.75
(2s.39)0.11
9,198;7170.86
11.03r l.0l
6,771.90(7.t4\
(7.87)0.17
6,764.O2(6.97\
8.038.01
Consolidtted Ctst rlow st{tement forthcyear.rded 3l March 2019(All amounts are in millions of Indian Rup€€s, rmless oqq4!9!99!L
A. Cash flow fmm operating rclivities
Note N.
B.
Net profit before tax
Depreciation aDd amortization expenselmpairment on financial instrumentsProvision for litigalionProvision no longer required written backProvisioD for olher assets
Profit on sale ofprcperty, plant and equipmentDividend incomeStock compensation expens€
I erest income iiom banks, investments and othersOpcrrliry Pmfit b€fore workiDg capitd chary€s
Chrtrges itr workitrg crpitrl:Decrcase / (inc.ease) in non-financial assets
Decr€ese / (increase) in loataDecrease / (increase) in other financial assetslrcr€,as€ / (decrease) in DepositsIncreas€ / (decreale) in trade payablesDecr€ase / (increase) in trade receivablesIncr€.as. / (decreas€) ;n ofier fi nancial liabilitiesIncreas€ / (decrease) in provisionsIncreale / (decrease) in ottrer non-firancial liabilities
Crsh gerented from operutioDsNet income rax (paid)Net clsh flows fiom(used in) opersting {ctivities (A)
Cesh flow from investirg lctiviticsCapital expendinre, iflcludinS capiral advancesAcquisilion of subsidiaryProceeds fiom sale ofpropedy, plant and equipmentPurchase of investrnents
Dividend receivedBank balances not considered as cash and cash equivatents
Net cash flows fron(used iD) irvesting rctivities (B)
C.!h flow fron fimrciDg rctivities
Proced iiom vehicle loanRepayment of vehicle loanProceed fiom finance leaseRepayment of fi nance leaseProc€€d from term loarvvorking cspitat demand loan ffom bankRepayment ofterm loan/Working capital demand toan liom bankProceeds from foreign currency term loan - BankProceeds from bonowings liom othersRepaym€nt of borrowings iom oth€rsProc€€ds / (Repayment) in Cash credit faciliries (neoRepaymen6to subordinated liabilitiesProceeds Ilom lnstitutional debentures (long rerm)Repayment of Institutional debenlures (long &rm)P.oceeds ftom issuance ofpublic debenturesRepayment of public debenturesProceeds from retail debenrure
t4.212.93
752.34460.93
5.41
06.05)(1.81)(6.31)
(s0.76)37.35
13,194.40(959.94)
27,684.55
(38.64)(26,t27.64)
(539.r3)19.20
145.0r
06.25)30]..277\.37
45s.32(2sJ29.49'
1,959.06(5,389.50)(3,430.44)
(t,282.s4'(4.13)24.O4
(1,696.24)5t.6750.16
(839.72)(3,696.r6)
4.00(6.28!
(55.48)I,53,490.00
(1,44,656.s3)(2.98)
1,099.08(2,234.s1)17,46t.72
(3.61)2,500.00
(8,141.86)3,899.25(122.21',)
42.3t
642.591,773.16
0.22(29.4O\162.61(3.07)
(r9.s9)97.59
10,304.47(349.30)
2298a.29
(304.03)(20,155.38)
799.22
34_98
(1.26)200.74
50.80(50.20)
(r9,431.r2)3,557.11
(3,888.82)
G3r.6s)
o,613.12)
1t.79(0.00)
326.6519.59
(231.50)(r,480.s8)
(5.30)110.35
(39.36)2,20,150.00
(2,08,343 .57)(312.98)
213.08(226.26\('t69.62',)(8s7.23)2,000.00(738.67\
(2,106.74)
C.
(
3l \l,rdr 20l9 3l NIrrch 201810.169.01
Procee& from comm€rcial paper
Repayment of commercial paperProceeds fi'om issue of€quity shares
Share premium on equity shares allottedDividend paid, includirg dividend distribution tax
Cish ecnerrt€d from (used ir) operatiq!! 1.780.17) 1.013.75
Direct tares paid (net of refunds) (4,122-66) (3,847.09)
N"t "r"tr
A"- f."./(r*d t,, "p"*tine
activities (A) .(5,902.83) (2,E33.34)
/.9,rufJ{ot-,-t,\1B. Cxsh flows from investins activities
u3,
Purchas€ of fixed assets, including Capilal work in progress (1,515.89) (164.01)
Proceeds lrom sale of fixed assets 5.86 5_57
Purchase of current inveshents
Purchase of non-curent investments (507.86)
Int€rest income on DLB Bond 5.95 5.98
Sale of cunent invesrments
Saleofnon-cun€ investmentsRedemption/ rnaturity ofbank deposiis (having origirral matudty ofmore than ttueeInonths) 656.46 I,t48.l IInvestments in bank deposits (having original ma.urity ofmore than three months)
C. Crsh flows from fiDrncitrq actiyitiesProc€eds iom issue ofequity shares 52.23 21.65Proceeds from lnstiturional debenrures (long tenn) 2.000.00 15,050.00
R€payment of Inslitutional debentur€s (long term) (767.00\ (436.40)
Proceeds from issuance ofpublic debentures
Repayment of Public debentur€s (2,706.74\ (1,539.72)
Direct laxes paid (net of retunds) lx"/ Y) (4.25r.48) (4,t7O.02)
@liLr*v-,0N1=1 (10,120.32' (12,706.9r)
%M,
B. Crsh flows from irveslins a.tivitiesCapilal expenditure on Fixed Assets (1.615.72) (s42.05)
Proceeds from sale of fixed ass€ts t7.53 6.53
Purchas of cunent investments
Pur€has€ of non-cunent investments
Sale of cunenl investments ,140.08
Sale of non-cuEent investmenls
lnteresl income on DLB Bond 5.95 5.98
19.59 11.86
0_22 0.15
Acquisition / Investment of subsidiariesRedemplion/ maturity ofbank deposits (having original maturity ofmore than drce 639.86 I,l48.l lInvestmenls in bank deposits (having o.iginal Mturity ofmore than three monihs) (1,587.38) (r,319.68)
B. Cash flows from investinq {ctivitiesPurchase offixed assets, includ;ng CWIP (542.07) (798.57)
Proceeds from sale of fixed assets 6_52 I1.10
Purchase of current investm€nts(5.955.00)
Purchase of non-current inveshents
Sale of curr€nt investm€nts Zil,:. 468.99 '7.666.99
Sal€ of non-current investments k"' ,! \i[u,,. \Acquisition of subsidiari€s
9.73
qV/
Redemptior/ maturity ofbank deposils (having original matudty ofmore than
n(
(1,019.65)Inveshenb in bank deposits (having original manrity ofmor€ lhan thret
Net c'sh flow from/(used ir) irv€stidg sctivities (B)
C. Crsh flows from financing activiliesProceeds ftom issuance ol equity share capital
Proceeds from issuance ofequily share capital
Proceeds liom Inslitufional debentures (long term) r 8,860.12
Repayment of Institutional debentures (longterm) (1,250.51)
Proceeds from issuance ofpublic debentures
Repaym€nt of Public d€bentures
Proceeds liom lnsrirurional d€bentures(shon term)
Repayment of lnstitutional debentures (short term)
Proceeds Aom In1€r corporate deposits
Repayment of inter corporate deposits
Application money received for issue of redeemable non-convedible debenture
R€paymenl of Commercial pap€r
Proceed fiom Vehicle Loan
Repayment of Vehicle Iran
Repayment of Finance L€ase
Repayment of Subordinare Debt (1,807.32)
from Term loan Som Bank
Repayment ofTerm Loan from Banks (120,004.10)
Proceeds iiom Foreign curency term loan - Bank
Proceeds iom Foreign currency WCDL - Bank
Proceeds from Borrowings from others
Net proceeds / (RepaymenLs) ofbonowings from orhers I,194.40Proceeds / (Repayment) in working capital bank borrowings (ner) 1,891.t2Repayment of Preference share capital in subsidiary
(\,892.14)Tax on dividend paid
N€t cash flow from/ (used itr) in firarcirg activities
-----:
0.s05.35)
09.65)
(575.r8)
t03.820.00 120,890.00
(122,836.29)
(1,262.s6)
Net incrersc/(decreise) in and cash equiYalents (A+B+C)
slone Financial Strtemerts as rl30'i September20l9
Brlarce Sheet !s r! 30th Septenblrarnounts are in millions oflndian
(1,100.88) o,979.07)
at the erd ofthe
Total.ash trnd cxsh
11,676.30
1,700.20
40.90
173,922.80
9,106.50
5,339.70
728.O;
s71.60
3,108.E0
I1.20
1,760.30
171.60
564.40
tinrncirl oss.ts
Cash and cash equivalents
Bank balances other than above
Derivative fi nancial instsuments
I.oans
Other financial assets
Non-IiDancitl *sets
Cunent tax assels (net)
Deferred tax assets (net)
Property, plail and equipment
Capital work-in-progress
RiSht ofuse Ass€tolher intangible assets
Olher non-fi nancial assets
ASSETS
rs><luz.t(z\
9.>\,=
r0, o(?tAND EQUITY
(a)
(b)
(c)
(d)
(e)
(0
(a)
(b)
(c)
(d)
(e)
(0
G)
1
2
t03
1
5
6
28
7
t,,
I(a)
2
(a)
3
LTABTLITTES
Fitr.trcial liabilDerivative fin
Payables
Trade paya(i) rotr
(ii) tor
(IDother Payabl(i) total out
(ii) total ou
Debt secudtie
Bonowings (Subordinated
Lease LiabilitOlher financit
NoFfirarchl ICurent tlx liabi
Provisions
Deferred tax I
Olher non-fin
EQTNTY
Equity sharc c
Other equity
(a)
(b)
G)(d)
(e)
(D
(a)
(c)
(b)
(a)
(b)
lries
l0
l1blesoursbnding dues ofmicro enteQrises and
al outstanding dues of creditors other lhans and small enterprises
standing dues of micro enterprises and small
tstanding dues of credilors other than micro
)ther than debt securities)
liabilities
vrlliabilities
,irbilitieslities (net)
iabilities (net)
ancial liabilities
t2
l3l4
l5
l6
t'l
t8
l9
1,340.70
50,759.5;
103,194.30
50.50
2.027.10
2,90t.50
442.1O
520.50
161236.20
1,686.50
46,319.60
Tot{l tiabitities 209302.30
StaDdalone StaIemeDt ofProfit aDd Loss for(Allamounrs are in millions oflndian Ruoees.
I Sir Motrth ended 30 Septemb€r20r9ess otherwise srated)
NoteNo:
Six Months Ended30 September 2019
(I) Rev.Du. fton(i) Interes. incom€
(ii) Income From Ir(ii) Fees and clmn
(iii) Net sain on fair
(iv) Olher op€rarins
en,s ,,;lllincome
] ,,,:l ,
chdntse' ,;,;,
,e (iv)\k\\\)
t9,5M_42
374.56-
5.30
(ID
(IID
Rcvenue from operations (I)
income (I + ll)
ExDenses
(D
(ii)(iiD
(iv)(v)
(vi)
Fees and commission expense
Impairment of financial instruments
Employee benefi ts expenses
Depreciation and amoriisalion
Totel expenses (I\/)
Profit(loss) before erceptionnl itemsrnd tar (III - IV)
Exceptional items
Profit befo.e trx (III - I9
(l) Cun€nt tax
(2) Defened lax
(3) Earlier years adjusunents
Prolit for the yeer(V - !T)
Other conpr€hensive income(i) Itemsthatwill notbe re classifiedro profit or loss
- Rem€asurements ofthe defin€d benefit asset
(ii) Income ta.{ relating to itemsthat will notte
Srbtotal
to prcfit or
(i) Items that will be classified to ptofit oi loss
(ii) Incomc tax r€lating to ilems that will be reclassified to
subtotdl (B)
Oth.r compr.t. tv. itconc
Totst comprehensiv. income forthe year(VII + VIID(Comprising profi t rnd othcr comprehensive income
22
23
24
25
26
27
(rv)
(\)
(vD
(\)
(VT)
(vrr)
flrD
0x)
Errnings p€r equity shxre
Basic (Rs.)
Diluted (Rs.)
6,427.74
112.40
324.93
3,t64.31
771.84
L84a.22
1,96E.07
95.65
6Adel -n\O
(x)
rhe year)
--'$.15
Cash flow stst€ment for the period endcd 30(All amounts are in millions oflndisn Rupees, r
mbcr 2019
Parliculars 30 Seplctrrbcr 2019
A. Cash flow from operatiDg.
Net profit before tax
Adjushents for:
Depr€c;ation and amoniz
Impairment on financial ir
Provision for litigation
Provision no longer requn
Provision for other assets
Profit on sale ofproperty,
Srock compensation expe,
Finance costs
Interest income liom banl
Operating Prolit before w(
Changes itr workiDg capita
Decrease / (increase) in n(
Decrease / (increase) in lo
Decrease / (increas€) in ot
lncrease i (decreese) in tra
I.crease / (decrease) in otl
lncrease / (decrease) in pr,
lncrease / (d€crease) in od
Cash generoted from oper
Net income ux (paid)
Nel c8sh flows from,(ui€d
investmenb and others
dng cipit!l charges
r financial liabilities
isions
. non-financial liabilities
operating activities (A)
$''u.
7,628_49
7 71.84
324.93
5.53
(1.5e)
(6.8r)
(9.84)
6,427.78
(208.61)
1,r.931,73
12t.99
(24,198.98)
370_37
202_11
75.',|',|
(104.34)
(314.73\
(23,841.20)
(8,909.47)
(1.166.89)
(r0,076.36)
Capital
Cash fmm investing activities
including capital advances
from sal€ ofproperty, pla.t and equipment
) / Sale of investments
(407.66'
6.91
405.12
178.31
Bank not considered as cash and cash equivalents
N€l flows fron (used iD) iDvesting activtties (B)
fmmfinancine nclivities
liom / (Repayments to) subordinated liabililies
ftom ierm loan^ orking capital demand loan from bank
oft€rm loaD/Working capital demaod Ioan Iiom bank
offoreign currency WCDL - Bank
ftom bomowinss from othe6
of borrowings fiom others
/ (Repayment) in Cash c.edit facilities (n€0
ftom Institurional debentures (lo.g term)
of Institu$onal debentures (longterm)
from issuance ofpublic debentures
ofpublic debentures
ftom retail debenture
from commerc;al pape.
ofcommercial paper
t67
(3.6e)
o3.e5)
(3.e3)
99,*7.D.
(74,529.07)
963.39
11,850.00
o,8n.77)
(12,601.64)
2,150.00
(5,06s.m)
3.07
(164.72',)
68,121.6
(62,773.32\
0.906)-Ese=t aq#
ftom issue ofequity shares
1".
Sharc premium on equity
Dividend paid, including
Payment of lease liabilities
155.86
(1.118.19)
(574.60)
activities (C)
Net increns€ / (deuease) itr atrd crsh €quivslents (A+B+C)
. ConsolidatedFinatrcial
I(a)
(b)
(c)
(d)
(e)
(0(s)
ASSf,TS
FiDrtrci{l rls.tsCash and cash €quivalent
Bank balance other than (a) above
Derivative fi nancirl instiumentr
(i) Tmde Receivables
Irans
Olher financial assets
NoD-firancial isictsCunent tax assei! (neo
Deferred tax assets (net)
Property, plant and equipmenr
Capital work-in-progress
Righa ofuse Asset
Goodwill
Oth€r Intatrsible assets
Olher non-fi nancial assers
z(a)
(b)
(c)
(d)
(e)
(0(c)
(h)
(D
l&86.23
Crsh rod crsh equivrlents
Crih rDd cash equivsletrts
the begitrnitrg of the ye8r
thc eDd ofthcy€rr
,s st 30'h September 2019
St,tem€ nt of Assetu n.l Li, bili ii..in millions oflndian Rupees, unless otherwise stated)
t3,7 t7 .60
3,513.30
40.90
t7.20
210,320.30
t.295.10
5,771_O0
1,065.60
E28.20
0.90
3,180.20
11.20
1,795.30
355.60
181.90
671.20
I t6.227.e) |
S. No 30 September20l9
U*rait",r
Y,
212,766.t0
II
I(a)
(a)
(b)
(c)
(d)
(e)
(0
G)
2
(a)
(b)
3
(a)
(b)
LIABILITIES AND EQUITY
Liabilities
Finrncial Li{biliti€sDerivative fi nancial instruments
Trade payables
(i) tolal oulstanding dues ofmicro enteQrises and snall €nleQrises
(ii) total outstandins dues ofcreditors other than micro enterprises and small enterpris€s
Other Payables
(i) rotal outsta.ding dues ofmicro ent€Ar;ses and small enterprises
(i;)toial outstanding dues ofcred;tors oth€r lhan micro ent€rprises and small enterprises
Cash rnd cnsh equivalents a! thc beginning ofthe year
Cash ard cash equivilents at the end ofthe year
E,403.80
13.717.60
Latest audited financials should not be older than six months from thc date ofapplication for listing.
provided that lisred issuers (*fio have already listed their sp€cifi€d s€cudties and/or 'Non-convertible Debt Securities' (NCDS)
andor 'Non-Convertible Redeemable Prelerence Shares' (NCRIS)) who are in compliance with SEBI (Listing obligations and
disclosuie r€quirem€mrs) Regulations 2015 Oere;nafter "SEBI LODR Regulations'), may file unaudited financials with limitcd
rcview for the stub p.riod in the curr€nt financial y€ar, subject to making necessary disclosur€s in this regard including risk factoN.
This Offer document i'cludes certain unaudi&d nnrrcirl inform.hon, rrhich has bccn subject.d to linit.d r.vicw, tnr€lrtion to our Comprny rDd itr Subsidirri6. Relirnce on such information shoold, rccordingly, b. limlicd. Additiorally!ourCohprny mry prblish {dditionol unauditld fintncirl information durirg the Issu. P.riod-
This O{fer documenr includes Limited Review Financial Information in relation to our Company and its Subsidiaries, for the halfyear ended S€p 30, 2Ol9 in respect of which lhe AuditoN have issucd th€ir Limi&d Revicw Report datei November 6, 2019. As
Limited Review Financial Infomation prepar€d by the Company in accordance with Regulation 52(2) ofthe SEBI Debt Regulations
have been subj€cr only to a t;mired r€view and as descriM in Standard on R€view Engagements (SRE) 2410, "Review oflnterimFinanciat Information" Performed by the Independent Auditor ofthe Entity" issued by the ICAI, and not to an audil, any reliance
by prospective invesrors on such Limited Review Financial Infomation for lhe half year end€d Septemb€r 30,2019 should,
accordingly, be limited.
Additiona y, in accordance with applicable law, our Company is requir€d to publish its quarteily and half yearly financial
informarion with the stock exchanges. Our Company may publish such information during lhe Issue Period. Any financial results
published in the future may not be consistent wirh past performance. Accordingly, prospective investors should rely on their
independent examination of our fi nancial position ions, and should nol place undue reliance on, or base their
6.r Disclosu res as sp€cified for NBFCS in SEBI CircDlar nos. CIRJIMD/DF/ 12 ,20l l daled Ju ne l7
6 /2015, dlted September r5,2015. Below disclolures shall p€rtaitr to the most lirlDcial vear20l
1 . Classificatiotr of loans/,dvatrces giveD to according to:
a. Type of loans
b. Sectoral
c. Denomination ofcold loans
20r4and CIR/lNrD/DF/
Information required at the bonower l€vel (and nor by loan accounr as a cusromer may have
r' Ticket size at the time oforiginatioo
io,_*
f.
- Capital market funding (loans against
Rs.5-l0lakh
k. 50 lakh-l crorc
Rs.25-100 crore>Rs. 1 00 crore
d. Denominationof loans
S. No S.sn,enrwise hrerk-uo of ALM lPercent{tse of r\UiU
I R€tail I
a - Mortsases rhome loans and loans acainst DroDerty)
b l-Goldloansc i-velictennance 7 -32o/o
d - MFIe - M&SME
e - Others 0.09%
2 Whol€salea - Inlrastructure
h - R€al eshre (inclklihq huilrler lo,ns)
c - Promote. tuhdinp
d - Any other se€tor (as aDplicable)
€ - Others 6.560/,
Total 100%
0.30/r
o oo/"
0.00/.
0-0Yo
0_00/.
S- No l,T\ Pe.ccntatre ofAU I
40-500/.
l 50-600/. 6.5o/o
4 6O-70o/o 21.3"/o
5 70-800/. 66.60/,
6 80-90% O.|Yr
1 >90% O.\Yo
'Iotal*LTV at the time oforigination
e. Geoqraphical classification o
ATAKA.AMILNADU
PRADESH'Ioial
f. D€tails ofloans overdue and classified as non-performiDs in
Mov€ment ofgross NPA* Rs. Crore
OD€ninq qross NPA 69.46
- Additio.s during the year 44.24
- Reductions during the year 31.l3
Closins balance ofsoss NPA 82.57
accordance with the RBI's guidelines
aPtease indicate the gru \s NPA recognition policy (DPD)
Movement of provisions for NPA Rs. Crore
28.44
- Provisions madeduringlhe year 15.12
- write-ofT/ write-back of€xcess provisions9.12
Closinabalance 34.44
S. N. Top 5 stxtes Percentxse of AUNI
I Relail- Monsases (home loars and lo s a8ainst propeny) 16.26%
aC
D . MFIE , M&SME
F- Capital market funding (loans asaiNr shdes, m&gin tunding
G 0.48%
2
B - Real estate (includine buildtr lom)C
D - Any other seclor (as applicable)
E
2. Residual maturily profile ofrssels Dd Ii!bilities (in line with lhe RBI forBat):
6,2 HFCS shall make disclosurB as sp€oified for NBFCS in SEBI Circular no. CIMMD/DF/ 6 ,201 5, dat€d S€ptember I 5, 20 | 5,6 revised iom time to time with appropriare modificarions viz. rerail housing loan, Ioan agaiffi pmp€rF/, wholesale loan -develop€r and oih€6.
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