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APPLICATION FORM
(ONLY FOR RESIDENT APPLICANTS)
Our Company was originally incorporated as a private limited company on March 14, 1997 under the provisions of the Companies Act, 1956, with the name The Muthoot Finance Private Limited. Subsequently, by a fresh certificate of incorporation dated May 16, 2007, our name was changed to Muthoot Finance Private Limited. Our Company was converted into a public limited company on November 18, 2008 with the name Muthoot Finance Limited and received a fresh certificate of incorporation consequent to change in status on December 02, 2008 from the Registrar of Companies, Kerala and Lakshadweep.For further details regarding changes to the name and registered office of our Company, see section titled History and Main Objects of the Prospectus. Registered and Corporate Office: Muthoot Chambers, Opposite Saritha Theatre Complex, 2nd Floor, Banerji Road, Kochi 682 018, India. Tel: (91 484) 239 4712; Fax: (91 484) 239 6506; Website: www.muthootfinance.com; Email: ncd@muthootgroup.com. Company Secretary and Compliance Officer:Rajesh A.; Tel: (91 484) 353 5533; Fax: (91 484) 239 6506; E-mail: cs@muthootgroup.com
ISSUE OPENS ON : THURSDAY, DECEMBER 22, 2011 ISSUE CLOSES ON : SATURDAY, JANUARY 07, 2012
Application No.
75001372
PUBLIC ISSUE BY MUTHOOT FINANCE LIMITED, (COMPANY OR ISSUER) OF SECURED NON-CONVERTIBLE DEBENTURES OF FACE VALUE OF ` 1,000 EACH, (NCDs), AGGREGATING UPTO ` 3,000 MILLION WITH AN OPTION TO RETAIN OVER-SUBSCRIPTION UPTO ` 3,000 MILLION FOR ISSUANCE OF ADDITIONAL NCDS AGGREGATING TO A TOTAL OF UPTO ` 6,000 MILLION, HEREINAFTER REFERRED TO AS THE ISSUE.
CREDIT RATING : [ICRA] AA-/STABLE BY ICRA AND CRISIL AA-/STABLE BY CRISIL FOR AN AMOUNT OF UPTO ` 6,000 MILLION
Lead Managers /Co-Lead Managers/Brokers Name & Code Sub-Brokers/ Agents Code Bank Branch Stamp Bank Branch Serial No. Date of Receipt
KSBL 23/07701-38
To, The Board of Directors, MUTHOOT FINANCE LIMITED, Registered and Corporate Office: Muthoot Chambers, Opposite Saritha Theatre Complex, 2nd Floor, Banerji Road, Kochi 682 018, India. Dear Sirs, Having read, understood and agreed to the contents and terms and conditions of Muthoot Finance Limiteds Prospectus dated December 16, 2011, (Prospectus) I/We hereby apply for allotment to me/us; of the under mentioned NCDs out of the Issue. The amount payable on application for the below mentioned NCDs is remitted herewith. I/We hereby agree to accept the NCDs applied for or such lesser number as may be allotted to me/us in accordance with the contents of the Prospectus subject to applicable statutory and/or regulatory requirements. I/We irrevocably give my/our authority and consent to IDBI Trusteeship Services Limited, to act as my/our trustees and for doing such acts and signing such documents as are necessary to carry out their duties in such capacity. I/We acknowledge that the NCDs will be pari passu with other secured creditors and will have priority over unsecured creditors. I/We confirm that: I am/We are Indian National(s) resident in India and I am/ we are not applying for the said NCDs as nominee(s) of any person resident outside India and/or Foreign National(s). I/We further confirm that applications made by me/us do not exceed the investment limit on the maximum number of NCDs which may be held by me/us under applicable statutory and/or regulatory requirements. Notwithstanding anything contained in this form and the attachments hereto, I/we confirm that I have carefully read and understood the contents, terms and conditions of the Prospectus, in their entirety and further confirm that in making my/our investment decision: (i) I/we have relied on my/our own examination of the Company and the terms of the Issue, including the merits and risks involved, (ii) our/my decision to make this application is solely based on the disclosures contained in the Prospectus, (iii)my/our application for NCDs under the Issue is subject to the applicable statutory and/or regulatory requirements in connection with the subscription to Indian securities by me/us, (iv) I/we am/are not persons resident outside India and/or foreign nationals within the meaning thereof under the Foreign Exchange Management Act, 1999, as amended and rules regulations, notifications and circulars issued thereunder, and (v) I/we have obtained the necessary statutory and/or regulatory permissions/consents/approvals in connection with applying for, subscribing to, or seeking allotment of NCDs pursuant to the Issue.
310109 310109
Date d d / m m / y y y y
APPLICANTS DETAILS
NAME OF SOLE/FIRST APPLICANT Mr./Mrs./Ms. NAME OF GUARDIAN Mr./Mrs./Ms. (In case of minor only) ADDRESS (of Sole / First Applicant) Pin Code (Compulsory) AGE DATE OF BIRTH (Compulsory for minor) d d m m y y years y y
Telephone
Companies / Bodies Corporate / Registered Societies Partnership Firms in the name of the partner Limited liabiity partnership
Public/Private Charitable/Religious Trusts Resident Indian Individual with aggregate Application Amt. above ` 500,000
Scientific and/or Industrial Research Organisations HUF through the Karta with aggregate Application Amt. above ` 500,000
HUF through the Karta aggregate Application Amt. up to ` 500,000 Central Depository Services (India) Limited (CDSL)
DEPOSITORY PARTICIPANT DETAILS National Securities Depository Limited (NSDL) Depository Name (Please 3)
Depository Participant Name DP - ID Beneficiary Account Number I N
TEAR HERE
INVESTMENT DETAILS
Options Frequency of Interest Payment Face Value & Issue Price (` / NCD) (A) Minimum Application In Multiples of Credit Rating - ICRA Credit Rating - CRISIL Coupon (%) per annum Coupon Rate (%) for NCD Holders in Category I Coupon Rate (%) for NCD Holders in Category II Coupon Rate (%) for NCD Holders in Category III Effective Yield (%) (per annum) Effective Yield (%) for NCD Holders in Category I Effective Yield (%) for NCD Holders in Category II Effective Yield (%) for NCD Holders in Category III 13.00% 13.00% 13.00% 24 months 24 months from the Deemed Date of Allotment 13.25% 13.25% 13.25% 36 months 36 months from the Deemed Date of Allotment 13.25% 13.25% 13.25% 60 months 60 months from the Deemed Date of Allotment 13.43% 13.43% 13.43% 66 months 66 months from the Deemed Date of Allotment 13.00% 13.00% 13.00% 13.25% 13.25% 13.25% 13.25% 13.25% 13.25% N.A N.A N.A I Annual II Annual III Annual IV N.A
` 1,000
` 1,000
` 1,000
` 1,000
` 1,000 (1 NCD)
[ICRA] AA-/Stable for an amount of upto ` 6,000 Million CRISIL AA-/Stable for an amount of upto ` 6,000 Million
Repayment of the Face Value plus any interest that may have accrued at the Redemption Date.
` 2,000
COMMON TERMS OF THE ISSUE: Issuer : Muthoot Finance Limited Stock Exchanges proposed : BSE, which is also the for listing of the NCDs Designated Stock Exchange Issuance and Trading : Compulsorily in dematerialised form Trading Lot : 1 (one) NCD Depositories : NSDL and CDSL Security : Security for the purpose of this Issue will be created in accordance with the terms of the Debenture Trust Deed. For further details please refer to the section titled Issue Structure of the Prospectus. Rating : For further details please refer to the Prospectus. Issue Schedule* : The Issue shall be open from December 22, 2011 to January 07, 2012. *The subscription list shall remain open for a period as indicated, with an option for early closure or extension by such period, up to a period of 30 days from date of opening of the Issue, as may be decided by the duly authorised committee of the Boardconstituted by resolution of the Board dated July 25, 2011. In the event of such early closure of subscription list of the Issue, our Company shall ensure that notice of such early closure is given on or before the day of such early date of closure through advertisement/s in a leading national daily newspaper. Interest on Application Money : 8% per Annum from the date of realization of the cheque(s)/ demand draft(s) or after 3 (three) days from the date of receipt of the application, whichever is later. For further details please see General Instruction no. 36. Interest on Refund Money : 8% per Annum from the date of realization of the cheque(s)/ demand draft(s) or after 3 (three) days from the date of receipt of the application, whichever is later, subject to not being an invalid or withdrawn application. For further details please see General Instruction no. 36. Pay-in Date : 3 (Three) Business Days from the date of reciept of application or the date of realisation of the cheques/demand drafts, whichever is later. Deemed Date of Allotment : The date as decided by the duly authorised committee of the Board constituted by resolution of the Board dated July 25, 2011, and as mentioned on the Allotment Advice / regret. Submission of Application Forms : All Application Forms duly completed together with cheque/bank draft for the amount payable on application must be delivered before the closing of the subscription list to any of the Bankers to the Issue or collection centre(s)/agent(s) as may be specified before the closure of the Issue. Applicants at centres not covered by the branches of collecting banks can send their forms together with a cheque/draft drawn on/ payable at a local bank in Mumbai to the Registrar to the Issue by registered post. For the purposes of the basis of allotment, the date on which the cheque is received by the Registrar pursuant to an Application, shall be deemed to be the date on which the Application was made. For further details please see General Instruction no. 42A. Additional Applications : An applicant is allowed to make one or more applications for the NCDs for the same or other series of NCDs. For further details please see General Instruction no. 45B.
Please Note : Cheque / DD should be drawn in favour of Escrow Account Muthoot Finance NCD Public Issue by all applicants. It should be crossed A/c Payee only. Please write the sole/first Applicants name, phone no. and Application no. on the reverse of Cheque/DD. Demographic details will be taken from the records of the Depositories for purpose of refunds, if any. Bank details will be obtained from the Depositories for payment of Interest / refund / redemption as the case may be.
SOLE/FIRST APPLICANT
PERMANENT ACCOUNT NUMBER (Mandatory) See General Instruction no. 42E
SECOND APPLICANT
THIRD APPLICANT
Registered and Corporate Office: Muthoot Chambers, Opposite Saritha Theatre Complex, 2nd Floor, Banerji Road, Kochi 682 018, India. Tel: (91 484) 239 4712; Fax: (91 484) 239 6506; Website: www.muthootfinance.com; Email: ncd@muthootgroup.com. Company Secretary and Compliance Application No. Officer:Rajesh A.; Tel: (91 484) 353 5533; Fax: (91 484) 239 6506; E-mail: cs@muthootgroup.com
Date
d d / m m / y y y y
75001372
Bank's Stamp & Date
Dated
I II III IV
Acknowledgement is subject to realization of Cheque / Demand Draft. While submitting the Application Form, the Applicant should ensure that the date stamp being put on the Application Form by the Bank matches with the date stamp on the Acknowledgement Slip.
All future communication in connection with this application should be addressed to the Registrar to the Issue LINK INTIME INDIA PRIVATE LIMITED, C-13, Pannalal Silk Mills Compound, L.B.S. Marg, Bhandup (West), Mumbai 400 078, India. Tel: (91 22) 2596 0320, Fax: (91 22) 2596 0329, Toll Free: 1-800-22-0320, Email: mfl.ipo@linkintime.co.in, Investor Grievance Email: mfl.ipo@linkintime.co.in, Website: www.linkintime.co.in, Contact Person: Sachin Achar, SEBI Registration No.: INR000004058 Quoting full name of Sole/First Applicant, Application No., Type of options applied for, Number of NCDs applied for, Date, Bank and Branch where the application was submitted and Cheque/Demand Draft Number and name of the Issuing bank.
Crystal cfl_mum@crystalforms.com
MUTHOOT FINANCE LIMITED : APPLICATION FORMS AVAILABLE AT FOLLOWING LOCATIONS LEAD MANAGERS TO THE ISSUE / LEAD BROKERS TO THE ISSUE ICICI SECURITIES LIMITED
AGRA:Mr.Sushant Bejroi,13a,1st Floor,Sadar Bazar,Sadar Bazar,Agra-282002,Uttar Pradesh,Tel 9219439387;AHMEDABAD:Mr.Vrunda Shastri,Shop No.1,2,3,4,Suvas Complex,1st Floor Above Icici Bank,Opp.Rajasthan Hospital Shahibaug.,Shahibaug,Ahmedabad-380004,Gujarat,Tel 079-65411338;Mr.Akhilesh Tiwari,Sardar Centre,Grd Floor Shop No.31 To 35 Near Vastrapur Lake,Vastrapur,Vastrapur,Ahmedabad-380015,Gujarat,Tel 079-40035920;Mr.Aalap Shah,Ground Floor Shop No 39,40,41,42 Sarjan 2,100 Feet Road,Sarjan 2,New C.G Road,Chandkheda,Chandkheda,Ahmedabad-382424,Gujarat,Tel 079-65445296;Mr.,First Floor,Shop No.106/107 Krishnabaug Char Rasta Kesharkunj Complex Maninagar,Kesharkunj,Maninagar,Ahmedabad-380008,Gujarat,Tel 079-65411235;Mr.Ravi Sethia,Ground Floor,Shop No 4 & 5 Shilp Corner,Subhash Chowk Gurukul Road,Memnagar,Memnagar,Ahmedabad380052,Gujarat,Tel 079-40059883;Mr.Abhishek Sharma,First Floor Shop No 119 Akshar Commercial Complex Nr.Shivranjani Cross Road Satellite Road,Satellite Road,Ahmedabad-380015,Gujarat,Tel 079-40060134;Mr.Krunal Nanavati,Shop No 6,Sun Complex,C.G.Road,,C G Road,Ahmedabad380009,Gujarat,Tel 079-64501668;ALLAHABAD:Mr.Satyajit Nag,27/17,1st Floor,Algin Road,Civil Lines,Civil Lines,Allahabad-211001,Uttar Pradesh;AJMER:1st Floor,17/517,Kutchery Road,,Ajmer - 305001;AMRITSAR:Mr.Saurav Gupta,3,Lawrence Road,Lawrence Road,Amritsar-143002,Punjab,Tel 01835019992;AURANGABAD:Mr.Bhavesh Bhanushali,Gr.Floor,Ghai Chambers,Jalna Road,,Jalna Road,Aurangabad-431001;BANGALORE:Mr.Deep Kumar,73/1-1,Krishna,Infantry Road,Infantry Road,Bangalore-560001,Karnataka,Tel 080-65317814;Mr.Kuldeep Kalyankumar,First Flr,Cnn & Yashosha Complex,No.87,Hbcs Layout,Near West Of Chord Road Shankarmath Circle,Opp Chord Hospital,Basweswar Nagar,,Basweswar Nagar,,Bangalore-560079,Karnataka,Tel 080-41288270;Mr.Anand Moitra,First Floor,No.9/1,Cambridge Road Layout,First Cross,,Camnridge Road,Bangalore-560008,Karnataka,Tel 080-64526810;Mr.Vipin Trivedi,First Floor,No.778/A,Chinnaswamy Chambers,Off Cmh Road Indira Nagar.,Indira Nagar -Bglr,Bangalore-560038,Karnataka,Tel 080-41261159;Mr.Shashikanth Rao,Sriranga Complex,No.77,First Floor,Dr.Modi Road,2nd Stage West Of Chord Road,,Dr.Modi Road,Bangalore560086,Karnataka,Tel 080-64526798;Mr.Kirankumar Np,First Floor No.50 Little Plaza,,Cunningham Road,,Cunningham Road,Bangalore-560052,Karnataka,Tel 080-41231688;Mr.Prakash Srivastava,First Floor,135/5,15th Cross,100 Ft Ring Road,3rd Phase J P Nagar,J P Nagar,Bangalore-560078,Karnataka,Tel 080-41208808;Mr.Mallikarjun Kubsad,First Floor,No 81/B 22nd Cross Jaya Nagar,3rd Block,Jaya Nagar,3rd Block,Bangalore-560041,Karnataka,Tel 080-41308445;Mr.,No:399,White Gold,1st Floor 24th Cross,Bhanashankari Ii Stage,Bhanashankari Ii Stage,Bangalore-560070,Karnataka,Tel 08026713969;Mr.Amitabh Kumar,Second Floor,No:4c-402 Hrbr Layout Kamanahalli Ii Block,Kamanahalli,Bangalore-560043,Karnataka,Tel 080-64526802;Mr.Satyajeet Sharma,First Floor No.209,New Bel Road,New Bel Road,Bangalore-560054,Karnataka,Tel 080-41675355;Mr.Sukesh Ks,#105,A.E.C.S.Layout 2nd Stage 5th Main Post Officeroad Sanjay Nagar Main Road,Sanjay Nagar,Bangalore-560094,Karnataka,Tel 080-64526801;No.46,100 Feet Road,First Floor,Koramangala,6th Block,,Bangalore - 560095;Mr.Manish Kumar,6/1,Ghandi Bazar First Floor,Basavanagudi Main Road,Gandhi Bazar.,Gandhi Bazar,Bangalore-560004,Karnataka,Tel 080-41692569;Mr.Narendra Kumar,No.2,100ft Ring Road,Katriguppa Circle,Bhanashankari Iii Stage,Bhanashankari Iii Stage,Bangalore-560085,Karnataka,Tel 41711313;Mr.Dhananjay Kumar,No 72/1-B,Kanakapura,Mani Road Jarganahalli,Kanakapura Road,Bangalore560078,Karnataka,Tel 080-41461441;Mr.Pratik Vora,No.20,1st Main,Gandhinagar,Gandhinagar,Bangalore-560009,Karnataka,Tel;Mr.Piyali Roychowdhury,No.46,100 Feet Road,First Floor,Koramangala,6th Block,,Koramangala,,Bangalore-560095,Karnataka,Tel;Mr.Naveen Gowda,147,First Floor,Anjaneya Complex,Hal Airport Road,Near Petrol Pump,,Anjaneya Complex,Bangalore-560017,Karnataka;BHOPAL:Mr.Vinit Karmalekar,2,Malviya Nagar,Opp.Old Vidhan Sabha,,Malviya Nagar,Bhopal,Bhopal-462001,Madhya Pradesh;BHUBANESHWAR:Mr.,Ground Floor,Plot No-99 Janpath,Unit3,Kharbelnagar,Janpath,Bhubaneshwar-751001,Orissa;BIKANER:Mr.Manoj Sethia,Gr.Floor,44,Panchshati Circle,Sadulganj,,Bikaner,Bikaner-334001,Rajasthan;CUTTACK:1st Floor,Plot No.37 & 38,Dolamundai Post Office - Telenga Bazar,,Cuttack - 753009;CHANDIGARH:Mr.Rajiv Goyal,Sco-181/182,1st Floor,Next To British Library,Sector 9c,Sector 9c,Chandigarh-160017,Punjab,Tel 0172-6510236;Mr.,Sco 62,Sec - 47c,,Sec 47c,Chandigarh,Chandigarh-160047,Punjab;CHENNAI:Mr.Shanmugam S,Shop No.10 & 11 Arihant Vaikunt,No 123,Brick Kiln Road,Purasawalkkam,Purasawalkkam,Chennai600007,Tamilnadu,Tel 044-43546139;Mr.Senthilkumar Ar,Ashok Sriranga,No.1 9th Street,Nanganallur,Nanganallur,Chennai-600061,Tamilnadu,Tel 044 23460211;Mr.Wilson A,Ground Floor,Plot No.1072 Munusamy Salai,Next To Pondicherry Guest House,West K K Nagar,West K K Nagar,Chennai600078,Tamilnadu,Tel 044-23460262;No.228,Thambu Chetty Street,Parrys,Chennai - 600001;Mr.Suneesh Em,405,Tiruvalluvar Salai Mogappair,Paneer Nagar,Mogappair,Chennai-600037,Tamilnadu,Tel 044-24360227;Mr.,First Floor T-1,Yesesi Supermarket Building Annanagar,Annanagar,Chennai600040,Tamilnadu,Tel 044-23460214;Mr.,Flat No 4,70/27 North Mada Street Mylapore,Mylapore,Chennai-600004,Tamilnadu,Tel 044-23460202;Mr.Priyadharsini G,475 Kilpauk Garden Road,Kilpauk,Kilpauk,Chennai-600010,Tamilnadu,Tel 044 23460234;Pvm Complex,Plot No 1& 2,Vgp Vimala Nagar,Velachery Main Road,Medavakkam,,Medavakkam,Chennai-600100,Tamilnadu,Tel 044-22772691;Mr.Kowshik N,1,3rd Cross Street Kasturibai Nagar,Adyar,Adyar,Chennai-600020,Tamilnadu,Tel 044 23460211;Mr.Saravanan B,Ground Floor,No.17 Arunachalam Road Saligramam,Saligramam,Chennai600093,Tamilnadu,Tel 044-23460253;Mr.Panchapakesan S,Shop No.2,Century Plaza,560-562,Annasalai,Teynampet,Annasalai Teynampet,Chennai-600018,Tamilnadu;COIMBATORE:444,X-Cut Road,Gandhipuram,Coimbatore,Coimbatore 641012;DEHRADUN:Mr.Rajan Rawat,81a,Rajpur Road,Uttam Place,Dehradun,Uttam Place,Dehradun,Dehradun-248001,Uttarakhand;FARIDABAD:Ground Floor,Sco 52,Huda Market,Sector-29.,Faridabad - 121008;GHAZIABAD:Indira Puram,Ground Floor,Supertech Icon,Nayay Khand-I,Indira Puram,Ghaziabad - 201010;Shalimar Garden,Office No S-4,5,7 & 8,Ground Floor,Girdhar Plaza.Plot No.H-1,Block No.B,Shalimar Garden,Sahibabad,Ghaziabad - 201005;GURGAON:Mr.Shalabh Maheshwari,Sco 4,Sector 14,,Sco 4,Gurgaon,Gurgaon-120001,Haryana;Mr.Vikas Singh,A-4,5,Dlf Shopping Mall Arjun Marg,Dlf City-I,Dlf City-I,Gurgaon-122002,Haryana,Tel 01244381240;GUWAHATI:Mr.Uttam Kumarshahu,3rd & 4th Floor,D.R.Braj Mohan Building,Opp.Abc Bus Stand G.S.Road,,Guwahati,Guwahati-781005,Assam;HUBLI:Kvm Plaza,1st Floor Next To Jtk Show Room,Club Road (Bellow Vlcc),Hubli,Hubli-580029,Karnataka,Tel 0836-4265221;HYDERABAD:Habsiguda,Ground Floor,Survey No.19/A,Ward No1 D.No.4-65/5,Street No,8 Habsiguda,Secunderabad - 500007;Padmarao Nagar,A-G-1 & A-G-2,Conjeevaram House,Padmarao Nagar.,Secunderabad - 500025;Hi Tech City,Ground Floor,Plot No 29 Opp.Cyber Towers,Hi- Tech City,Madhapur,Secunderabad - 500033;Marredpally,D No.3-6-100/B,Ground Floor,Opp.Vijaya Bank,West Marredpally,Secunderabad - 500026;Penderghast Road,Groud Flr,D.No:1-8-138 To 143,Krishna Castle,Besi - Heritage Flights,Penderghast Road,,Secunderabad - 500003;Mr.Ravikumar Nangunoori,D.No.19-64,1st Floor,Prasanna Heights Brundavan Colony,Opp.A.S Rao Nagar Colony,A S Rao Nagar,Hyderabad-500062,Andhra Pradesh,Tel 040-64530409;Mr.Sitaraman H,1st Floor,Shop No.1,2&3 Sreeram Rama Towers,Chaitanyapuri,Dilsukhnagar,Dilsukhnagar,Hyderabad-500060,Andhra Pradesh,Tel 040-64530404;Mr.Vasudebo Naram,D No.2-21130/25a,Chintala Arcade Sivam Main Road,Prasanth Nagar New Nalllakunta,Nallakunta,Hyderabad-500044,Andhra Pradesh,Tel 040-64530412;Mr.Sureshkumar Arla,1st Floor,3-6-517,Shop No-103 Sai Datta Arcade,Himayatnagar,Main Road,Himayatnagar,Hyderabad-500029,Andhra Pradesh,Tel 04064530452;Mr.Gblaxminarayana Raju,Ground Floor,11-4-659 Bhavya Farooqi Splendid Towers Red Hills,Lakdikapool,Lakdi Ka Pool,Hyderabad-500004,Andhra Pradesh,Tel 040-64530474;Mr.Raghavendraprasad Patnam,First Floor,B- 44 Journalist Colony Film Nagar Road,Jubilee Hills,Jubilee Hills,Hyderabad500016,Andhra Pradesh,Tel 040-64530463;Mr.Maheshwar Mn,First Floor,6-3-111 Amrutha Mall Somajiguda,Somajiguda,Hyderabad-500082,Andhra Pradesh,Tel 040-64530440;Ground Floor,101 & 102 Prashanthi Ram Towers,Behind Saradhi Studio,Yellareddy Guda.,Hyderabad - 500073;Mr.Bura Rajkumar,First Floor,D.No.1-10-209,Kamala Towers Ashoknagar,Ashoknagar,Hyderabad-500020,Andhra Pradesh,Tel 4064530480;Mr.Srinivasarao Muddapati,32/3rt,First Floor Municipal No.7-1-261/92e Sanjeeva Reddy Nagar,Opp Nest Apartment,S R Nagar,Hyderabad-500038,Andhra Pradesh,Tel 04064530497;Mr.Harish Reddy,First Floor,Concourse Building Opp:Meridian Plaza,Green Lands Road,Ameerpet,Ameerpet,Hyderabad-500016,Andhra Pradesh,Tel 040-64530418;Mr.Narendar Konduparthy,Plot No 3 & 4 Sreerama Towers,Opp: Andhra Bank Miyapur.,Miyapur,Hyderabad-500049,Andhra Pradesh,Tel 040-64530492;Mr.,214 Mig Kphb Colony,Road No.1,Near Kphb Kaman,Kukatpalli,Kukatapalli,Hyderabad-500072,Andhra Pradesh,Tel 040-64530432;INDORE:Mr.Anuj Pandey,1st Floor,Anjani Plaza,Ashok Nagar,,Ashok Nagar,Indore,Indore-452001,Madhya Pradesh;Mr.Anand Peshkar,Ug6,Ug-7,Shekhar Residency,Opp Hotel Forture Land Mark,Scheme - 54,Sector F,,Shekhar Residency,Indore-452001,Madhya Pradesh;Mr.Abhishek Gupta,Ug 5/6,Royal Road Gold,A.Y.N.Road,,Ayn Road,Indore-452001,Madhya Pradesh,Tel 731-4205430;JABALPUR:Mr.Sanjeev Singh,655,Napier Town,Katanga Gorakhpur Crossing,,Napier Town,Jabalpur-462001,Madhya Pradesh;JAIPUR:Mr.Govind Choudhary,Gr.Floor,Opp.G.P.O.M I Road,M I Road,Jaipur-302001,Rajasthan,Tel 0141-4027611;Mr.Alok Mukerjee,Shop No.G-8,G-9 Vaishali Tower Ii Vaishali Nagar,Nursery Circle,Vaishali Nagar,Jaipur-302021,Rajasthan,Tel 0141-4027601;Mr.Taruna Ramwani,A-2,Lal Kothi Shopping Center Near Lakshmi Mandir Cinema Tonk Road,Tonk Road,Jaipur-302015,Rajasthan,Tel 0141-4027618;JAMNAGAR:Mr.Satish Bhalara,3rd Floor,Cross Road Complex,Opp.D.K.V.College,Bedi Bunder Road,,Bedi Bunder Road,Jamnagar361008,Gujarat;JAMSHEDPUR:Mr.Deepak Ranjan,Gayatri Enclave 2nd Floor (Rear Portoin) Bistupur.,Jamshedpur,Jamshedpur-831001,Jharkhand,Tel 0657 - 6576455;JODHPUR:Mr.Puja Ray,Gul-Indi Bhawan,1st Floor,Plot No.9/A/B/I And Iii,Ratanada,Nr.Punjab National Bank,Ratanada Road,,Bhati Circle,Jodhpur,Jodhpur-342001,Rajasthan;KANPUR:Mr.Ranjan Shukla,111/432,80 Ft Road,Ashok Nagar,,Ashok Nagar,Kanpur,Kanpur-208001,Uttar Pradesh;KOLKATA:Mr.Arindam Saha,30-G,Chowringee Mansion,J L Nehru Road Park Street.,Park Street,Kolkata-700016,West Bengal,Tel 03322275034;Mr.Ranjan Rout,112a,Third Floor,Rash Behari Avenue,Rashbehari Avenue,Kolkata-700029,West Bengal,Tel 033 ? 65502101;Mr.Nitish Shrivastava,339,Canal Street,Lake Town,,Lake Town,Kolkata-700048,West Bengal,Tel;Mr.Madhuri Gupta,95,Dumdum Road,,Dumdum Road,Kolkata,Kolkata700074,West Bengal,Tel;Mr.Debpriyo Bose,P.S.Srijan Tech Park,Dn 52,Salt Lake City,Sector V,,Salt Lake City,Kolkata-700091,West Bengal,Tel;Mr.,46 C,Jawaharlal Nehru Road,15a,Everest House,Everest House,Kolkata-700071,West Bengal;Victoria Plaza,385,Garia Main Road,Kolkata - 700084;KOCHI:First Floor,Adonai Towers,,S.A.Road,,Kochi - 682016;1st Floor,Prabhus Towers,Mg Road,North End,,Kochi - 682035;44/2102-C,Deshabhimani Junction,Kaloor,,Kochi - 682017;LUCKNOW:Mr.Imran Khan,Ground Floor,Landmark Arcade2 Badshah Nagar Crossing Faizabad Road,Badshah Nagar Crossing,Lucknow226006,Uttar Pradesh,Tel 0522-4047519;Mr.Anuj Rastogi,Raj Palace,A1/15 Sector H,Purania Chauraha,Aliganj,Aliganj,Lucknow-226024,Uttar Pradesh,Tel 0522 - 4048855;Mr.Vikram Singh,S/268,E Block Market Awasthi Complex,Rajajipuram,Rajajipuram,Lucknow-226017,Uttar Pradesh,Tel 05224046306;Mr.Nitesh Tiwari,First And Second Floor,Speed Building,3,Shahnajaf Road,Shahnajaf Road,Lucknow-226001,Uttar Pradesh;LUDHIANA:Mr.Gurpreet Mangat,Sayal Complex,Near Cycle Market,Gill Road,,Gill Road,Ludhiana-141001,Punjab;MADURAI:Mr.Prabhu N,1st Floor,No.466,467 A.R.Complex K.K.Nagar,Madurai 625020 Tamilnadu,K.K.Nagar,Madhurai,Madurai-625020,Tamilnadu;MOHALI:Mohali,Phase-10,Scf 15,16,17 Phase-10,Mohali,Mohali 160060;MUMBAI:Gr.Floor,H.T Parekh Marg,Back Bay Reclamation,Churchgate,,Mumbai - 400020;Shree Sawan Knowledge Park,Gr.Floor,Plot No.D-507,T.T.C Industrial Area,M.I.D.C,Turbhe,Near Juinagar Railway Station,400705;Mr.Ajay Singh,1st Floor,Gopi Cinema Mall,,Dombivali (W),Dombivali-421202,Maharashtra,Tel;Mr.Mehul Shah,Shop No 11,Megh Apartment Junction Of Factory Lanes & Lt Road,,Megh Apt -Boriwali(W),Mumbai400092,Maharashtra,Tel;Mr.Dhruv Mehta,Jaya Apartments,R B Mehta Road,Near Patel Chowk,Ghatkopar (E),Jaya Apt,Ghatkopar (E),Mumbai-400075,Maharashtra,Tel 022-65972581;Mr.Sankalp Kumar,Shop No.9,10 Meriline Corner,Near Sion Circle Sion (E),Sion,Mumbai-400022,Maharashtra,Tel 022 65972877;Mr.,Shop No.1 & 2,Dilkush Bungalow J.P.Road,Andheri West,Andheri (W),Mumbai-400058,Maharashtra,Tel;Mr.,56/57,Saraf Choudhari Nagar Co.Op.Soc.,Thakur Complex Kandivali East,Thakur Complex,Kandivali (E),Mumbai-400101,Maharashtra,Tel 022-65972165;Mr.Umesh Gupta,Shop No.26,27 & 51,Gr.Floor,Ashoka Shopping Centre Lt Marg,Gt Hospital Compound Marine Lines,Marine Lines,Mumbai-400002,Maharashtra,Tel 022-65972151;Mr.Rahul Jain,1a&2,Balaji Arcade S.V Road Kandivili (W),Kandivali(W),Mumbai-400067,Maharashtra,Tel 022-67252026;Mr.,Ground Floor Jayshree Plaza L.B.S.Marg,Bhandup (W),Bhandup (W),Mumbai-400078,Maharashtra,Tel 022-67252071;Mr.Sahana Shetty,Gr.Floor,Shop No.7,8,9,Anand Vatika Siddharth Nagar,Nr City Centre,S V Road Goregaon (W),Goregaon (W),Mumbai-400062,Maharashtra,Tel 022-65145413;Mr.,Gr Floor,Devraj Mall,Krishna Kunj Hsg Soc.Harishankar Joshi Road,Opp.Madhuram Hall,Dahisar (E).,Dahisar (E),Mumbai-400068,Maharashtra,Tel 022 65973037;Mr.R Shastri,1st Floor Sai Kiran,Central Avenue 11th Road Junction Chembur.,Chembur,Mumbai-400074,Maharashtra,Tel 022 67706455;Mr.Arvind Tiwari,Radha Kunj,Azadnagar,Vile Parle West,Vile Parle West,Mumbai-400056,Maharashtra,Tel 022 66712660;Mr.Amit Beri,Gr.Floor,Vardhaman Apt.,40,Hanuman Road,Vile Parle (E),Vile Parle (E),Mumbai-400057,Maharashtra,Tel;Mr.Pawan Bali,Gr.Floor,Shop No.2,Grace Chamber,Amrit Nagar,Chakala,Andheri (E),,Amrit Nagar,Andheri (E),Mumbai-400093,Maharashtra,Tel;Mr.,227,Gr.Floor,G-2a,Nariman Bhavan,Nariman Point,Nariman Bhavan,Mumbai-400021,Maharashtra,Tel;Mr.Rajesh Singh,Shop No.1,2,3,4,Shagun Mall,Dindoshi,Gokul Dham,Goregaon (E),,Shagun Mall,Mumbai400063,Maharashtra,Tel;Mr.Kshitij Sharma,Shop No 4,5,6,7 Roop Maya Co-Op Hsg.Soc.,Sector 6 Airoli,Airoli,Navi Mumbai-400708,Maharashtra,Tel 022 65143243;Shop No.1,Bhomi Tower,Sec - 4,Plot No.28,Kharghar,,Navi Mumbai - 410210;Mr.Anup Kumar,Shop No.6,7 & 8,Ground Flr.Vaishnavi Tower,Sector-44 Nerul (W).,Nerul (W)Sec-44,Navi Mumbai-400706,Maharashtra,Tel 022 65143650;Gr.Floor,Tulsi Pooja Shopping Center,New Panvel (E).,Navi Mumbai - 410206;Mr.Vikas Sharma,Apsara Building Shop No.4,Sector - 17,Vashi.,Vashi,Sector 17,Navi Mumbai-400702,Maharashtra,Tel 022 67124805;MEERUT:P P Plaza,Plot No.177/1,Mangal Pandey Nagar,Meerut - 250005;MYSORE:Mr.Anil Mn,D.No.86/3a,Panabvati Circle,Kalidasa Road,Jayalakshmipuram,,Kalidasa Road,Mysore-570012,Karnataka;NAGPUR:Mr.Ravindra Akhare,First Floor,Shop No.138 To 140 Shree Ram Shyam Towers,,Sadar - Hub,Nagpur-440001,Maharashtra,Tel 0712-6631608;Mr.Amit Gondewar,Ganesh Heights Kotwal Nagar Ring Road,Khamla,Khamla,Nagpur-440015,Maharashtra,Tel 0712 - 6452494;NASIK:Mr.Kalpesh Solanki,Shop No.67,68,Vasant Market,Canada Corner,,Canada Corner,Nasik,Nasik422002,Maharashtra;Mr.,Ground Floor,Plot No.7,Mahindra Memorial Centre,Near Babu Bunglow,Rathchakra Chowk,Vadala- Pathardi Road,Indira Nagar,Indira Nagar,Nasik-422009,Maharashtra,Tel 0253 6572116;NOIDA:Mr.Sarfaraz Ahmed,16,15,14,& 12-A,Ground Floor,Msx Tower Ii,,Greater Noida,Greater Noida-201306,Uttar Pradesh;Mr.Kumar Shivendra,B 1/34-35,Central Market Sector-50,Noida Sector 50,Noida-201301,Uttar Pradesh,Tel 9810139014;NEW DELHI:Mr.Khagendra Pant,Ground Floor,Ug-05,Upper Gr.Floor,Vikas Surya Plaza,7 Community Centre,Road No.44,Pitam Pura,Rani Bagh,Pitam Pura,Rani Bagh,New Delhi-110034,Delhi,Tel 011-42644297;Mr.,Ground Floor,Plot No.24,25,Lsc Mayur Vihar-Ii,Mayur Vihar-Ii,New Delhi-110091,Delhi,Tel 011-43306905;Mr.Jaydev Mandal,Ground Floor & Mezzanine,Ab-11,Community Center Safdarjung Enclave,Safdarjung Enclave,New Delhi110029,Delhi,Tel 011-46026136;Mr.Supreet Arora,Ground Floor & Mezzanine,29,Community Centre,Naraina Industrial Estate,Phase - I,Naraina,New Delhi-110028,Delhi,Tel 011-45009954;Mr.,Building No 4,1st Floor,Smr House,Basant Lok Vasant Vihar,Vasant Vihar,New Delhi-110057,Delhi,Tel 01146039807;Mr.Puja Kumari,1st Floor,Shop No.39 Pushpa Market,Lajpat Nagar Ii,Lajpat Nagar,New Delhi-110024,Delhi,Tel 9910692530;Mr.Ravikumar Sharma,Ground Floor Plot No-8a Block No.E,Hauz Khas,Hauz Khas,New Delhi-110016,Delhi,Tel 011-41654853;Gr.Floor,Premises No F-3/28,Krishna Nagar,Near Vijay Chowk,Main Market,,New Delhi - 110051;Mr.Mohammad Aamir,Ground Floor & First Floor Plot No 17,Community Center Mayapuri,Mayapuri,New Delhi-110064,Delhi,Tel 011-45501297;Mr.Rahul Sharma,Ground Floor 4435-3/6,Portion 4/7 Ansari Road,Next To Corrporation Bank Atm,Daryaganj,Daryaganj,New Delhi-110002,Delhi,Tel 011-43540813;Mr.Ravish Singh,Gr.Floor,1st Floor,Plot No-10,Lsc Rajdhani Enclave,Vikas Marg,Rajdhani Enclave,Near Karkardooma,Rajdhani Enclave,New Delhi-110092,Delhi,Tel 9971091474;Mr.Mayank Kheror,Ground Floor,Rohini Sector-9,Near Kadambri Cghs Ltd,Rohini Sec 9,New Delhi-110085,Delhi,Tel 9910692511;Mr.Rahul Aggarwal,Ground Floor & Upper,22 Central Market Ashok Vihar,Ashok Vihar,New Delhi-110052,Delhi,Tel 011-47023584;Mr.Vishal Narang,Unit F-7,8,9,10,11,12,13,14 Malik Buildcon Plaza-2 Pocket-V Sec 12,Dwarka,Dwarka,New Delhi-110075,Delhi,Tel 011- 45537264;Mr.Deepak Thakur,Gr.Floor 30/5,Nangia Park Circle Shakti Nagar,Nangia Park,New Delhi-110007,Delhi,Tel 011- 47013716;Mr.Arindam Biswas,Ground Floor 3c/4,New Rohtak Road,New Rohtak Road,New Delhi-110005,Delhi,Tel 9910990777;Mr.Mayank Pandey,First Floor (Left Side) Dda Shopping Complex Alaknanda,Alaknanda,New Delhi-110019,Delhi,Tel 011 - 41767514;Mr.Aseem Kapoor,Plot No.13,Community Centre,New Friends Colony,New Friends Colony,New Delhi-110065,Delhi,Tel 011- 41672696;Mr.Samit Kapoor,179 - 182,Dda Office Complex Rajendra Bhawan Rajendra Palace,Rajendra Place,New Delhi-110008,Delhi,Tel;Mr.Sarika Abrol,Shop No.45 & 46,Tilak Nagar,,Tilak Nagar,New Delhi-110018,Delhi,Tel;Mr.,114/115,1st Floor,Arunachal Bldg 19 Barakhamba Road,Connaught Place,Connaught Place,New Delhi-110001,Delhi,Tel;Mr.Jitender Arya,J2/21,1st Floor,Rajouri Garden,,Rajouri Garden,Delhi,New Delhi-110027,Delhi;PATNA:Mr.Anup Srivastwa,Icici Bank Premises,Sumitra Sadan,Boring Road Crossing,,Patna,Patna-800001,Bihar,Tel 0612-6450217;PONDICHERRY:Mr.Prabhu Ponnusamy,Gr.Floor,Avn Plaza,100 Ft Road Gayatri Nagar,Mudaliarpet,Gayatri Nagar,Pondicherry-605004,Pondicherry;PUNE:Mr.Abhinav Kumar,Ground Floor Abhimanshree Apartments-2 Condominium Bhuvaneshwar Society,Aundh,Aundh,Pune-411007,Maharashtra,Tel 020-64009578;Mr.Janki Vyas,Ground Floor,Sheetal Plaza Cts No.1125,Final Plot No.499 Model Colony,Shivajinagar,Bhamburda,Model Colony,Pune-411016,Maharashtra,Tel 020-64009581;Mr.Vijay Avhad,Rama S.No 682/A,Cts No 1048 Plot No 49,Chatrapati Rajaram Co-Op Hou.Soc Jedhenagar,Bibwewadi,Bibwewadi,Pune-411037,Maharashtra,Tel 020-64780045;Mr.,Office No.3,Teddies Apartment Opp.Gera Junction,Kondhawa,Kondhawa,Pune-411048,Maharashtra,Tel 020 64789996;Mr.,Gr.Floor & Mezzanine,Krishnakunj,S No.211 Hissa No.2e,Plot No.17 Kalyaninagar,Yerwada,Kalyaninagar,Pune-411006,Maharashtra,Tel 020-64000280;Mr.Seema Kumari,Gr.Floor & Basement Pramila Apt,Plot No.16,Beside Hotel Kamat,Dahanukar Colony Circle,Kothrud,Kothrud,Pune-411029,Maharashtra,Tel 020-64000279;Mr.Rahul Rathi,Gr.Floor,86a,Survey No.390/1684-1 M.G.Road,Opp.Kohinoor Restaurant,Camp,M.G.Road,Pune-411001,Maharashtra,Tel 020 64000284;Mr.,Groud Floor,Premsagar,H Wing Near Pcmc Auditorium Chinchwad,Chinchwad,Pune-411033,Maharashtra,Tel 020-27463416;Mr.Ruchi Singh,Shop No 1 & 2 Gr.Floor Sneh Bldg,Cts No 1404 Near Jamtani Cross,Pimpri,Pimpri,Pune-411017,Maharashtra,Tel 020-26451574;Mr.Aashish Agarwal,Ground Floor,Near Vishal Megamart,Kpct B Wing S No.16,Hisa No.1/1,Cts No.912,Wanawadi Fatimanagar.,Fatimanagar,Pune-411040,Maharashtra,Tel 020-64009551;RAJKOT:Mr.Manish Savaliya,1st Floor,Shantiniketan Complex 150 Feet Ring Road Opposite Kkv Hall,150 Feet Ring Road,Rajkot,Rajkot-360007,Gujarat,Tel 0281-6451154;RAIPUR:Ge Road,Maruti Business Park,Ff-03,Ge Road,,Raipur - 492001;RANCHI:Mr.Satya Saurabh,First Floor,Ranchi Club Complex,Main Road,Ranchi Club Complex,Ranchi-834001,Jharkhand;RAJAHMUNDRY:Mr.Raju Mp,Door No: 46-22-11,Karrisu Reddy Plaza,Danavaipeta,East Godavari District,,Rajahmundry,Rajahmundry-533103,Andhra Pradesh;SALEM:Mr.Karuppaian C,1st Floor,270/1,Bharathi Street,Swarnapuri,,Salem,Salem-636004,Tamilnadu;SURAT:Mr.Prashant Kanade,1st Floor Viishal Chambers Nr.Athwagate Charrasta,Besides Sardar Bridge,Athwagate Charrasta,Surat395001,Gujarat,Tel 0261-6548407;Mr.Kuldeep Singh,G/10,11,12 Sarthi Complex Hira Baug,Warachha,Hira Baug,Surat-395006,Gujarat,Tel 0261-6548438;Mr.,Shop No.35,36 & 37,2nd Floor,Shreeji Arcade Complex Anand Mahal Road,Adjan Road,Shreeji Complex,Surat-395009,Gujarat,Tel 02616548419;THANE ( MUMBAI ):Mr.Rajnish Pathak,Ground Floor,Block 1,Shop No 3,Emerald Plaza Hiranandani Meadows,Glady Alvares Marg Off Pokhran Road No.2,Thane (W),Emerald Plaza,Thane-400610,Maharashtra,Tel 022-67252084;Mr.,Olympia Bldg Poonam Sagar Mira Road (East),Mira Road (E),Thane-401107,Maharashtra,Tel 022-65972171;Mr.,1st Floor,Office No.2 Gaurangi Chambers,Opp.Damani Estate L.B.S.Marg.,L.B.S.Marg,Thane-400602,Maharashtra,Tel 022-66736689;Mr.Kamal Roy,Ground Floor,Galleria,Talao Pali,,Talao Pali,Thane (West),,Thane400602,Maharashtra;TRICHUR:Thrissur,R.V.Trade Centre,Third Floor,Patturaickal,Thrissur 680022;TRICHY:Mr.Sadiq Basha,Gr.Floor,No.B14colony Main Road,Thillai Nagar,Colony Main Raod,Trichy,Trichy-620017,Tamilnadu;THIRUVANANTHAPURAM:Mr.Jomey Joseph,2 Nd Floor,Kamala Towers,Vazhuthacaud,,Trivandrum,Trivandrum-695014,Kerala;TIRUPATI:Mr.Venkata Venkumahanthi,Gr.Flr D/O: 19-3-12/J4 Ramanuja Circle,Tirchanoor Road,,Tirupati,Tirupati-517501,Andhra Pradesh;TIRUPUR:Tirupur,The Coocoon,No.56/1,Sabari Salai,Binny Compund,,Tirupur - 641601;UDAIPUR:Mr.Kavish Tandon,Sf,5c,Madhuvan,Above Kotak Mahindra Bank,,Udaipur,Udaipur-313001,Rajasthan;VADODARA:Mr.,Ground Floor,Gardenview Chambers,Opp Kala Ghoda Circle Sayajiganj,Sayajiganj,Vadodara-390005,Gujarat,Tel 0256-6540546;Mr.Chirag George,Amrapali Complex,1st Floor,Shop No.142,143,144,145,146,Water Tank Road,Karelibaug.,Karelibaug,Vadodara-390018,Gujarat,Tel 0278-2433288;Mr.Bhumish Patel,Rutukalash Complex,Gr Floor Shop No 7,8,9 Tulsidham Char Rasta Manzalpur,Manzalpur,Vadodara-390011,Gujarat,Tel 0265 6566911;Mr.Hitesh Parmar,1st Floor,Gokulesh Ii,96 Sampatrao Colony,R.C.Dutta Road Alkapuri.,Gokulesh,Alkapuri,Vadodara-390007,Gujarat;VARANASI:Mr.Sapna Tiwari,21/2a,1st Floor,Karnachha Rathyatra Road,,Rathyatra Road,Varanasi-221001,Uttar Pradesh;VIJAYAWADA:Mr.Bazid Shaik,29-6-31,1st Floor,Sai Srinivasa Shopping Complex,Nakkal Road,Suryaraopet,,Vijaywada,Vijayawada-520001,Andhra Pradesh;VISHAKHAPATNAM:Visakhapatnam,1-83-43,1st Floor,Narendra Polyclinic Building,M V P Colony.,Visakhapatnam 530017;
A. K. STOCKMART PRIVATE LIMITED (A. K. CAPITAL SERVICES LIMITED locations would be same as given below)
MUMBAI 30-39 Floor,32,J.L.Nehru Free Press House,3rd Floor,Free Road,Kolkata-700 071 Tel No.033 Press Journal Marg,215 - Nariman Point,Mumbai:400 021.DELHI 609,6th Floor,Antriksh Bhawan,22 Kasturba Gandhi (K.G)Marg,Connaught Place,New Delhi-110 001 Tel:22882644 Fax No: 033-22882643 HYDERABAD 5-9-93/1,Sakhti Sai Complex,207,2nd Floor,Chapel Road,Hyderabad 500 001.Tel No.040-66759862 Fax No: 040-23297150 011-23739628,011-47340685,Fax:-011-23739627 KOLKATA Om Towers,Unit no.1408,14th
HDFC SECURITIES
AGRA 2nd Floor,Deepak Wasan Plaza,17/2/4,Sanjay Place,Agra.Tel - 0562 - 2526888 97.AHMEDABAD 212,ISCON Centre,Shiv Ranjani Char Rasta,Satellite Road,Ahmedabad 380015.Tel - 079-66612340-41-42-43.AHMEDNAGAR B - 22,Lower Ground floor,Amber Plaza,A building,Station Road,Ahmednagar 414110.Tel - 0241- 2451974/75/76.Amritsar SCO - 5,D.S.C.Ranjit Avenue,Amritsar 143001.Tel - 0183-5070100,0183-5070200.ANAND Office No.206,2nd Floor,Madhav Complex,Grid Cross Road,Anand 388 001,Gujarat.Tel - 02692-245831-32-33 & 644773.AURANGABAD Office A - 8,1st floor,A wing,Gurunath Sankul,Shriram Chowk,Shreya Nagar,kalda Corner,Aurangabad - 431005.Tel - 0240-2360820/21/22/23/24/2.BANGALORE Mount Kailash,33/5,B-Wing,Gr.Flr.,Meanee Avenue Road,Ulsoor,Nr.Lake Side hospital,Bangalore - 560042.Tel - 080-25577410.BELGAUM CTS No.5854,Congress Road,Tilakwadi,Belgaum 590006.Tel - 0831-2445508.BHARUCH 3rd floor,Akshat Plaza,Above HDFC Bank,Near Link Road,Bharuch - 392001.Tel - 02642-252971-72-73-74,238975-76.BHAVNAGAR Office no.7,1st floor,Gopi Arcade,Waghawadi Road,Bhavnagar - 364002.Tel - 02782570145-46-47 & 6450127-28-29-33.BHILAI 3rd Floor,Chauhan Estate,Near Chandra Mourya Talkies,GE Road,Bhilai,Chhatisgarh 490023.Tel - 07882290318-276.BHUBANESHWAR Plot No.10,District Centre,Chandrashekharpur,Bhubaneshwar 751021.Tel - 07882290318-276.CALICUT Techno Chemical Ind.Techno Top Bldg.,V.M.Basheer Road,Calicut 673001.Tel - 0495-4488501-11.CHENNAI Aysha Complex,2 nd Floor,208,Anna Salai,Chennai - 600 006.Tel - 044-28297951-53.COCHIN Sudhas Bldg,2nd Floor,Madhav Pharmacy Junction,Bannerjee Road,Ernakulam,Cochin 682018.Tel - 0484-4064516-519.COIMBATORE Ashirwad,36,D.B.Road,R.S.Puram,Coimbotore 641002.Tel - 0422- 2541357 to 63.DHANBAD 2nd Floor,Commerce House 2,Shastri Nagar,Dhanbad 826001.Tel - 0326-2300174.DURGAPUR,Kwality Hotel complex,1st floor,Bhiringi more,Nachan rd,Durgapur 713213.Tel - 0343 - 2588791/92.GHAZIABAD 1st Floor,C-53,Raj Nagar District Center,Next to HDFC Bank,Rajnagar,Ghaziabad - 201001.Tel - 0120 2822312- 14-15-16-17-18-19-21.GURGAON O- 139,1st floor,DLF Shopping Mall,DLF Phase -1,Gurgaon - 122002,Tel- 0124 - 4063880 84.Haryana.GUWAHATI 1st Floor,Pushpanjali Complex,126,G.S.Road,Bhangagarh,Village Japorigog,Mouza Beltola,District Kamrup,Guwahati 781 005.Tel - 0361 - 2467104 to 07.HYDERABAD AMEERPETH Ground Floor,7-1-210,Ameerpet,Hyderabad 500016.Tel - 040-40033480 4.INDORE Portion 102/103,1st floor,Sterling Arcade,Plot no.15/3,Race Course Road,Indore,M.P.452001.Tel -0731-4280780-81-82.JAIPUR B-5,Lalkothi,District Shopping Centre,Tonk Road,Jaipur 320015.Tel - 0141-5190700-01-02-03-05.JALANDHAR Landmark,2nd floor ( front side),188-A,Model Town,Jalandhar 144001 Tel - 01812440144.Punjab.JAMNAGAR Office No.401,4th Floor,MADHAV SQUARE,Limda Line Road,Opp.Avantika Complex,Jamnagar 361001.Tel - 0288-6454407-08-09-10.JAMSHEDPUR,2ND Floor,Shaurya Arcade,New SNP area,sakchi,Jamshedpur-831001.Tel - 0657 - 2235912 to 21.JODHPUR 3rd floor,178,Narayanam,Upper Chopasni Road,Jodhpur - 342003.Tel - 0291-5150600-5100055.JUNAGADH Office # F-15,Balaji Avenue Opp.Rajalaxmi Soc,Motibaug Junagadh 362001.Tel - 0285-6546201-2.KANPUR.515 & 516 Kan Chamber1 14/113 Civil Lines Kanpur 208001.Tel - 0512 - 2302992 98.KOLHAPUR Office No.7A,1st Floor,Gemstone,517/2,New Shahupuri,Near Central Bus Stand- Kolhapur 416 001.Tel - 0231-2338135/6/7/8.KOLKATA DALHOUSIE 4,Clive Row,Jardines,3rd floor,Kolkata 700 001.Tel - 033 - 22134367 to 70 KOLKATA 8,Chittranjan Avenue,Barick Bhawan,3rd Floor,Kolkatta 700072.Tel -033 - 22129574 to 77.LUCKNOW 56-57,Chander Nagar,2nd Floor,Alambagh,Lucknow - 226005,Tel - 0522-2461684,UP.LUDHIANA Unit no.IV,1st floor,First Mall,Mall Road,Ludhiana - 141001.Tel - 0161-5069135.MADURAI 1st Floor,232,Naicker New Street,Madurai 625 001.Tel -0427-226531317.MANGALORE Kayar Manj,2nd floor,M.G.Road,Mangalore - 575003.Tel - 0824-2459591.MEERUT 177/1 P P Plaza,2nd Floor,Opp.CCS University,Mangal Pandey Nagar,Meerut 250001.Tel - 0121-4057015.MEHSANA Shop no.12 & 13,2nd floor,Prabhu Complex,Near Patel Automobiles,Near Rajkamal Petrol Pump,Highway,Mehsana 384001.Tel - 02762-259816-17-18-19-20.MUMBAI - ANDHERI Shop No.5,Persian Co-op Housing Society,V.P.Road,Near BMC Bank,Andheri (West) Mumbai - 400 058.Tel - 022-40068483 to 40068485.MUMBAI- KANDIVALI A/002,Ground Floor,Blossom Co-op.Hsg.Soc.Ltd.,Sector 3,Plot H,Panchsheel Enclave,Mahavir Nagar,Kandivli (West),Mumbai 400 067.Tel - 022- 29672873 to 29672877.MUMBAI VASHI Office No.613,6th Floor,Arenja Corner Premises CHS Limited,Plot No.71,Sector 17,Vashi,New Mumbai 400705.Tel - 022- 66098270 to 66098279.Mumbai-Dadar Shop no.3,Ground floor,Ankur Housing Society Ltd.,K.S.Gadgil Marg,Behind Siddhivinayak Mandir,Prabhadevi,Mumbai 400025.Tel - 022-24215105.MUMBAI THANE.Limited,Ashok Apartments,Shop No.3 & 4,Gr.Floor,Opp.Naupada Police Station,Thane (W) 400 602.Tel - 022- 28550844 to 28550852.MYSORE Ground floor,No.2951 - A,Kalidasa Road,V.V.Mohalla,Mysore - 570002,Tel - 0821-2500067 Karnataka.NAGPUR 125,2nd Floor,Shreeram Shyam Towers,S.V.Patel Marg,Kingsway,Civil Lines,Nagpur-440001.Tel - 0712-6637926/27/28/29/30.NASHIK Vaastu Shree,2nd Floor,Off Gangapur Road,Nashik 422005.Tel - 0253- 6610585/86/87.NELLORE HDFC Bank Bldg,17/126,GVR Enclave,Trunk Road,Nellore - 524001.Tel - 0861- 2330700/01 /02/03/04.NEW DELHI Kanchenjungha Bldg,Upper Gr.Flr.,18,Barakhamba Road,New Delhi - 110 001.Tel - 011-43008623.NEW DELHI - BHIKAJI CAMA Flat No 905,9th Floor,Madam Bhikaji Cama Bhawan,Bhikaji Cama Place,New Delhi 110021.Tel - 011-26164799.NOIDA Office No.111,1st Floor,Ocean Plaza Building,Commercial Plot No.P-5,Sector 18,Noida 201301.Tel - 0120-4030930.PANJIM (GOA) 4rh floor,Minum Residency,Above HDFC Bank,18th June,Panjim,Goa - 403001.Tel - 0832-6632802/3/4/5.PATIALA 1st floor,Seetal Complex,5-C,Baradari,Near C.M.O.Residence,Rajbaha Road,Patiala - 147001 (Punjab).Tel - 0175-2305528.PATNA 405,4th Floor,Grand Plaza,Frazer Road,Patna 800 001.Tel - 0612 - 2216422 to 27.PUNE 810/B,Netrali Apt.,Law College Road,Shivaji Nagar,Above HDFC Bank,Pune 411004.Tel - 020-27425892/3/4.RAJKOT 6th Floor,Pancharatna Building,Alfred School,Jawahar Road,Rajkot -360 001.Tel - 0281-2232181-82.RANCHI Rohini Apartment,Gr.floor,56,Circular Road,Lalpur,P.S.& P.O.Lalpur,Dist.Ranchi -834001,Tel - 0651 - 2561481 to 88.Jharkhand.SALEM No.3,1st floor,VSA Commercial Complex,Omalur Main Road,Opp.New Bus Stand,Salem - 636004.Tel - 04272265313/14/15/16/17.SATARA Silver Arch Plot No 1 S.No.288,289 1st Floor,New Radhika Road,Satara 415001.Tel - 02162-239010.SHILLONG,R.P.G.Complex,1st Floor,Keating Road,Near Goenka Engg,Shillong 793001.Tel - 0364-2500396/397.SILIGURI Gr.Floor,kelsons complex,157 Sevoke Road,Siliguri - 734001 District Darjeeling.Tel - 0353 - 2640073 to 79.SURAT 708,709,Kashi Plaza,Near Children Hospital,Manjura Gate,Surat 395002.Tel - 0261-400460405-06.TRICHY 11th Cross Main Road,Thillai Nagar,Trichy-624018.Tel - 0431-2742574-83.TRIVANDRUM Karimpanal Arcade,East Fort,Trivandrum 695023.Tel - 0471 -4466091-94.UDAIPUR Plot No.8 & 9,Vivek Chambers,2nd Floor,Durga Nursury Road,Opp.Sukhadia Samadhi Park,Udaipur - 313001,Tel - 0294-5101701-02-03-04.Rajasthan.VADODARA D-11,Kamalanjali,Off Padra Road,Akota,Above HDFC Bank,Opp.Tube Company,Vadodara - 390020.Tel - 0265-2355791-98.VAPI Upper Ground Floor,Emperor Tower,Opp SBPP Bank,Vapi Daman Road Chala,Vapi-396191.Tel - 0260-6455501-0203.VIJAYAWADA Valluri Complex,40-1-48/2 M.G.Road,Vijaywada - 520 010.Tel - 0866 - 2498029/39/49.VISAKHAPATNAM 104,1st Floor,Rams Plaza,2nd Lane Dwaraka Nagar,Vizag 530016,Tel - 0891-2796623.AP.
KARVY STOCK BROKING LIMITED (KARVY INVESTOR SERVICES LIMITED locations would be same as given below)
AGRA F4,1st Floor,Deepak Wasan Plaza Sanjay Place,(Behind Holiday Inn) 282002 Tel.562 - 2526660/63 AGRA - BELAGANJ Shop No 11,Nanak Towers,Opp.Telegraph Office,Belagunj 282004 Tel.562 - 3237077 AHMEDABAD - C G ROAD 7 - 8,2nd Floor,3rd Eye Building,Panchvati Circle,C.G.Road,380006 Tel.79 - 079-26407543,44,66627901 AHMEDABAD - GANDHINAGAR 27,Suman Tower,1st Floor,Near Hotel Havelly Sector No.11 382011 Tel.79 - 079-23240166,66736021/22 AHMEDABAD - MANINAGAR 208 H J House,Near Rambaug Police Station Opp: Ioc Petrol Pump,Rambaug 380008 Tel.79 - 40304481,82,83 AHMEDABAD - VASTRAPUR 201,Millenium Plaza,2nd Floor Opp Swaminarayan Temple,Near.Mansi Tower,380015 Tel.79 - 66627936,37,38,40 AJMER 12,Ii Floor Ajmer Towers,Kutcheri Road 305001 Tel.145 - 2628055/2628065/ 5120725 ALLAHABAD 2nd Floor,Rsa Tower,Beside Hdfc Bank,57,Sardar Patel Marg,Civil Lines,211001 Tel.532 - 2260291-92-93(Extn 34) ALLAHABAD - NAINI 138/13,Nai Bazar (Above Yash Automobiles Hero Honda Agencies) Opp: Nsic (Udyog Nagar) 211007 Tel.532 - 2695031/26966045 AMBALA 5509,Nichoson Road,Adjacent Kos Hospital Ambala Cantonement 133001 Tel.171 - 3200223/2640668/2640669 AMBALA - AMBALA CITY Scf 15 Vikas Vihar Ambala City 134003 Tel.171 - 2551757/2551758 AMRITSAR 72-A Taylors Road Opp.Aga Heritage Gandhi Ground 143001 Tel.183 - 5053802/3/4/5 ANAND F-6,Chitrangana Complex Opp: Motikaka Chawl; V V Nagar 388001 Tel.2692 - 248980/248873 ASANSOL 18 G T Road 3rd Floor,713301 Tel.341 - 2214623,2214624,2214625 AURANGABAD Shop No.214/215 Tapadiya City Centre,Nirala Bazar 431001 Tel.240 - 2363530,9665066551,52,53,54,57 BANGALORE - JAYA NAGAR 4TH BLOCK 201,2nd Floor,Suraj Plaza,8 F Main Road 3rd Block,Jayanagar 560011 Tel.80 - 26554328/29/30/31 BANGALORE - RAJAJINAGAR 5TH BLOCK No.279,3rd Floor,67th Cross 5th Block,Rajajinagar (Near Bhashyam Cirlce) 560010 Tel.80 - 23143559/23143560/32951033 /30970636/30951033 BANGALORE - BASAVANAGUDI No.51/2,Tkn Complex,Vanivilas Road Opp: National College,Basavanagudi 560004 Tel.80 26606126 BANGALORE - SKANDA ( R O ) Skanda No 59,Putana Road,Basavanagudi 560004 Tel.80 - 26621192/93 BANGALORE - GANDHINAGAR No.24,Ganesh Krupa,Rear Block,Kalidasa Marg 1st Main Road,560009 Tel.80 - 22305761,22305762 BANGALORE - INDIRA NAGAR No.746,1st Floor,Krishna Temple Road Indira Nagar 1st Stage 560038 Tel.80 - 25264344/ 2930/3249/30945543 BANGALORE - KORAMANGALA A/8,1st Floor,Khb Colony Opp: Mciroland,80 Feet Road 560095 Tel.80 - 25527301 BANGALORE - MALLESWARAM No.337,Gf-3,Karuna Complex Sampige Road,Opp: New Vegetable Market 560003 Tel.80 - 23314678/23314680/23467548/30945549 BANGALORE - VIJAYANAGAR No 1714/14-1,1st Floor,Ksh Chambers,21st Main Road,Behind Maruti Mandi,Vijayanagar 560040 Tel.80 - 23119028/9041/9040 BANGALORE - YELAHANKA 2019/A,1st Floor,3rd B Corss B Sector,Yelahnaka New Town 560064 Tel.80 - 28562726/ 2729 32913110/3502 YESHWANTHPUR 165 & 166,Manjunatha Chambers Shankarnagar Main Road 560096 Tel.80 - 23375292,23471375 BANGALORE - BASAVESHWARNAGAR No.628,8th Main 3rd Stage,3rd Blcok 560079 Tel.80 - 30982058/1794/23239205/206 BAREILLY 1st Floor,165,Civil Lines,Opp: Hotel Bareilly Palace Near Railway Station 243001 Tel.581 - 2574238 TO 39/2300414 /2420145/2476809 BELGAUM Fk-1,Khimajibhai Complex Ambedkar Road,Opp: Civil Hospital 590001 Tel.831 - 2402544/722/880/ 3095262 BHAGALPUR 2nd Floor,Chandralok Complex Near Ghantaghar,Radha Rani Sinha Road 812001 Tel.641 - 2302768 BHARUCH Ff 47/48,Aditya Complex Opp: Kasak Fuwara 392002 Tel.2642 - 225207,225208,209 BHATINDA 2048,1st Floor,Opp: Canara Bank The Mall Road 151001 Tel.164 - 5006725 TO 727/2239521/2239522 BHAVNAGAR 301,3rd Floor,Surabhi Mall,Near Icici Bank Waghawadi Road 364001 Tel.278 - 2567005,06,3001004,05 BHILAI New Civic Cente Shop No 138 0 490006 Tel.788 - 2295329/37/32,BHILWARA 27-28,1st Floor,Heera-Panna Complex Pur Road 311001 Tel.1482 - 246362/246364/512586 BHOPAL Kay Kay Business Centre 133,Zone 1,Mp Nagar 462011 Tel.755 - 4092701 TO 704 /4092706 TO 708/ 4092710 TO 717/4092720/4092723/ 724 BHUBANESHWAR 624,Saheed Nagar,Ist Floor Janpath 751007 Tel.674 - 2547532/33/2547334 BHUBANESHWAR - II Plot No.104/105 P Besides Pal Heights Hotel,Jayadev Vihar 751013 Tel.674 - 2360334/335/343/327 BIJAPUR Belambagi Complex,1st Floor Siddeshwara Road 586101 Tel.8352 - 259160,259161,259162 BURDWAN Birhata (Halder Complex) 63,G T Road 713101 Tel.342 - 2550801 CALICUT First Floor,Savithri Building Opp.Fatima Hospital,Bank Road 673001 Tel.495 - 2760882/2760884/2760883 CALICUT - MAVOOR ROAD 1st Floor,Soubhagya Shopping Complex Mavoor Road,Arayedathypalam 673004 Tel.495 - 2742105/2742107/2742141 CHANDIGARH Sco 32,1st Floor,Phase 7,S A S Nagar,160 070 Tel.0172 - 5091800/1,5091802 (D) CHENNAI - ADAYAR F-3,Adayar Business Court,Old No.25,New No 51 Gandhinagar 1st Main Road 600020 Tel.44 - 42116586,42116587,42076803 CHENNAI - ANNANAGAR T-92,Ground Floor,3rd Avenue Main Road Near Hotel Nalas Appa Kadai 600040 Tel.44 - 26224482,42103538,39,42026482,42171314,42103913 CHENNAI - CHROMPET N0 77 A,Naidu Shop Road,First Floor,Radha Nagar Main Road,Chrompet,Chennai 44,Land Mark Opp Iov Bank 600044 Tel.44 - 22653605,42659023,45574952 CHENNAI - NANGANALLUR No 48,First Main Road,First Floor,Nanganallur 600061 Tel.44 - 22245228,43586266,68,43588503 CHENNAI - PURASAIWAKKAM F-22,Prince Tower 94113,Purasaiwakkam High Road 600010 Tel.44 - 42042567/568/42041904 CHENNAI - SWATI COURT - REGIONAL OFFICE G-1,Swati Court,22,Vijaya Raghava Road T Nagar 600017 Tel.44 - 28151034/28153445 /42126406/42125604/45574073/74 /45900910 CHENNAI - SOWCARPET Sundar Krishna Complex,3rd Floor No.8,Luckmodoss Street 600003 Tel.44 - 42051557/ 42051471/42159898/42623740/41/42 CHENNAI - Dr B N ROAD A- 8,3rd Floor,Mahbubani Towers,No.48,Dr.D N Road,T.Nagar 600017 Tel.44 - 28156672/42076807/804/10/ 42067832/36/37/38/30/31/27/45544129/058/42649248/43546448/42023762 CHENNAI - THIRUVALLUR No.7,Sriperambadur Road Manavalan Nagar,Thiruvallur 602002 Tel.44 - 27640552/37690717 CHENNAI - VADAPALANI Doshi Gardens,Shop No.10,2nd Floor,D-Block 174,N S K Salai,Vadapalani 600026 Tel.44 - 42013425/42048103/42048309 COIMBATORE - SAI BABA COLONY 29/1,Chintamani Nagar,Opp: Indian Overseas Bank Nsr Road,Saibaba Colony 641011 Tel.422 - 2452161/162/163 COIMBATORE - REGIONAL OFFICE Jaya Enclave 1057/1508 Avanashi Road 641018 Tel.422 - 4291000 30 CUTTACK Opp: Jagannath Petrol Pump,Arunodaya Market Link Road 753012 Tel.671 - 2335187,88 CUTTACK - 2 Dargha Bazar,1st Floor,753001 Tel.671 - 2613905/2613906 DAVANGERE No.15/9,1st Floor,Sobagu Complex 2nd Main Road (Avk College Road),P J Extension 577002 Tel.8192 - 258712/13/14 DEHRADUN 48/49,Patel Market,Opp: Punjab Jewellers Near Gandhi Park,Rajpur Road 248001 Tel.135 - 2713351/2714046/47 /2713372/2714382/2712373 DEHRADUN - KAULAGARH ROAD Kaulagarh Road Near Sirmour Marg 248001 Tel.135 - 2754334/2754336 DURGAPUR Old Dutta Automobile Building 1st Floor,Benachity,Malancha Road 700013 Tel.343 - 2586375 to 77 ERODE No.4,Veerapan Traders Complex,Opp: Erode Bus Stand Kmy Salai,Sathy Road 638003 Tel.424 - 2225615 FARIDABAD A-2b,1st Floor Neelam Bata Road,Nit 121001 Tel.129 - 418000/105 GHAZIABAD 1st Floor,C-7,Lohia Nagar 201001 Tel.120 - 2701886/2701891/4112133 GORAKHPUR Above V.I.P.House Adjacent A.D.Girls College,Bank Road 273001 Tel.551 - 2346519/2333825/2333814 GULBARGA Asian Tower,Shop No.F-1,First Floor Jagat Station Main Road,Next To Hotel Aditya 585103 Tel.8472 - 262502 GUNTUR 10/1,Sai House Arundelpet 522002 Tel.863 - 2326686,85,84 2326687 GURGAON Shop No.18,Near Huda Office,Ground Floor Opp: Akd Tower,Sector 14 122001 Tel.124 - 4297206/4297202/4297205/4297200 GUWAHATI 2nd Floor,Ram Kumar Plaza,Chatribari Road Near Himatshinga Petrol Pump 781001 Tel.361 - 2608102/2608122 GWALIOR Near Nadigate Pul,Mlb Road Shinde Ki Chawani 474001 Tel.751 - 4069001/4069002 /4087774 GWALIOR - THATIPUR 52,Mayur Market,First Floor Near Petrol Pump,Thatipur,Gandhi Road 474001 Tel.751 - 2340200/4068501/32008484 HISSAR Sco 71,Red Square Market 1st Floor 125001 Tel.1662 - 225845/225868/225836 /315761 HUBLI Giriraja House,No.451/B Ward No.1,Club Road 580029 Tel.836 - 2353962,2353974,2353975 HUBLI - GOKUL ROAD 8 & 9,Upper Ground Floor,C Block,Akshaya Park,Gokul Road 580030 Tel.836 - 2232773,2232774 HYDERABAD - BEGUM BAZAR 15-6-464/470,1st Floor Salasar Complex,(Near Fish Market),Begum Bazar 500012 Tel.40 - 23433100 HYDERABAD - BHEL 1st Floor,Plot No.2,1-1-128/B,Chanda Nagar Serilingampally,Near Bhel 500050 Tel.40 - 23030028,23030029,23433126/132 HYDERABAD - DILSUKH NAGAR Vijetha Golden Empire,Flat No.103,First Floor H No.16-11-762/762b & C,Beside Anadal Nilayam,Moosarambagh 500036 Tel.40 - 23433116/117/135 134/136 HYDERABAD - HIMAYAT NAGAR 3-6-196/197,First Floor Himayat Nagar 500029 Tel.40 - 23388749 23388771 HYDERABAD - KUKATPALLY Sai Vikram Towers,1st Floor Flat No 11,Kukatpally Main Road Near Kukatpally Bus Stop,Kukatpally 500072 Tel.40 - 23433137/119 HYDERABAD - SECUNDERABAD Building No.160 (Part) Opp: Mayfair Complex,Rasoolpura,S P Road 500003 Tel.40 - 23433108,27883200 HYDERABAD - BANJARA HILLS (H.O) Karvy Centre,Ground Floor Avenue 4,Street No.1 500034 Tel.40 - 23388743,66510313 HYDERABAD - KHARKANA Block No 176,Opp.Chola Residency Old Vasavi Nagar,Kharkana 500016 Tel.40 - 23433166 INDORE Balaji Coporate,19/1,New Palasia,Near Jangeerwala Chowraha,452001 Tel.731 - 4081500 TO 4081524 JAIPUR S-16/A,Land Mark,Opp: Jai Club Mahaveer Marg,C - Scheme 302001 Tel.141 - 2378703/04/ 05/ 06/2363321/2375039/2375099 JALANDHAR Lower Ground Floor,Office No.3,Prime Tower Plot No.28,G T Road 144001 Tel.181 - 4634401 TO 415 JAMMU 1st Floor,29 D/C,Near Service Selection Board Gandhi Nagar 180004 Tel.191 - 9205044665/668 JAMNAGAR (PATEL NAGAR) G-12,Madhav Plaza,Opp-Sbi Bank Near Lal Bunglow 361008 Tel.288 - 2556520 /2556260/2556420 JAMSHEDPUR 3rd Floor,Kanchan Towers,3 Sb Shop Area,Bistupur Main Road,831001 Tel.657 - 2487020,2487045,2320048 JODHPUR 203,Modi Arcade Chopskini Road 342001 Tel.291 - 5103026/5103046 /3251441 KAKINADA 13-1-46,Sri Deepti Towers Main Road 533001 Tel.884 - 2387381,82,83 KANPUR - CIVIL 15/46,Civil Lines,Near Muir Mills Stock Exchange Road 208001 Tel.512 - 2330127/2331445/2333395/96/2333492 KANPUR - GOVIND NAGAR 81/4,Block No.9 Govindnagar,208006 Tel.512 - 2604165/2605177/2605176 KARNAL Shop No.26,Kunjpura Road Nehru Palace 132001 Tel.184 - 2251524/2251525/2251526 KOCHI G 39,Panampally Nagar Opp: Kerala State Housing Board 682036 Tel.484 - 2322724/726/152 /2310884 KOCHI - KAKANAD 7/462,B5,Trans Avenue,Ne Ekm Dist Coop Bank Headquarters 682030 Tel.484 - 2423191,3949087 KOCHI - MATTANCHERRY D.No.6/0290,Opp: Hazi Essa School Gujarathi Road 682 002 Tel.0484 - 2211229/ 2211225/2223243 KOCHI - TRIPUNITHURA 1st Floor,Pindys Complex Market Junction 682301 Tel.484 - 2777330,3571041 KOLHAPUR Omkar Plaza 1 St Floor,Unit F - 2 & F - 4,Rajaram Rtoad,Bagal Chowk,416008 Tel.231 - 2520650/2520655 KOLKATA - DALHOUSIE 19,R N Mukherjee Road 2nd Floor 700001 Tel.33 - 22437863 to 69/90/89 KOLKATA - HOWRAH MAIDAN 493/C/A,G.T.Road (S) Block-G,1st Floor,Vivek Vihar 711102 Tel.33 - 26382345/2535/ 26404213/26370547 KOLKATA - NEW ALIPORE 22n/1,Block A New Alipore 700053 Tel.33 - 23996203,04,05 KOLKATA - SALT LAKE Ad-60,Sector - 1 Salt Lake City 700064 Tel.33 - 23210461 to 23210464/0587 KOLKATA - JATIN DAS ROAD 49,Jatin Das Road Near Deshpriya Park 700029 Tel.33 - 24647231,32,24644891 KOLKATA - PHOOLBAGAN P-335,Cit Scheme,6m Phoolbagan 700054 Tel.33 - 23648927; 23628486 KOTA 29,Shopiing Centre 1st Floor Kota 324007 Tel.744 - 2365144/2365145/2365146 LUCKNOW - ALAMBAGH Ksm Tower,Cp-1 Sinder Dump Alambagh 226005 Tel.522 - 4104290 - 96 LUCKNOW - ALIGANJ Hig-67,Sector E Aliganj 226024 Tel.522 - 4104280 - 89 LUCKNOW - ASHOK MARG 24,Usha Sadan Prem Nagar,Ashok Marg 226001 Tel.522 - 4104300 - 309 LUCKNOW - CHOWK Tej Krishan Plaza 313/9,Khun Kunji Road,Chowk 226003 Tel.522 - 4104310 - 16 LUCKNOW - GOMTI NAGAR B-1/2,Vijay Khand,Near Union Bankof India Gomti Nagar 226010 Tel.522 4104270 - 79 LUCKNOW - HAZRATGUNJ 94,Mahatma Gandhi Marg Opp: Governor House,Hazratganj 226001 Tel.522 - 2236819-28,3817001 (rim) LUDHIANA Sco 136,1st Floor Feroze Gandhi Market 141001 Tel.161 - 44680050/4680062-63/4680080/4680000 TO 6 MADURAI-GOODSHED 274,Goods Shed Street ~ 625001 Tel.452 - 2350852 MADURAI - BYE PASS ROAD Rakesh Towers,Opp Nagappa Motor No.30,By Pass Road,625010 Tel.452 - 2600851 - 854 MADURAI - K K NAGAR Plot No 654 - 80 Feet Road Next To Lakshmi Arasu Kalyana Mandapam,K K Nagar 625020 Tel.452 - 4391700/600/2523109/ 2530731 MANGALORE Mahendra Arcade,No.4-6-577/21/22 Kodiabail 575003 Tel.824 - 2492302,2496332,2492901 MEERUT 1st Floor,Medi Centre,Opp Eves Centre Hapur Road Near Bachha Park 250002 Tel.121 - 4033727/3271640 CHANDIGARH - MOHALI Sco 32,1st Floor,Phase 7,S A S Nagar,160062 Tel.172 - 5091800/1,5091802 (D) MUMBAI - FORT (D N ROAD) TIN 207,Jeevan Udyog Building,2nd Floor Above Khadi Bhandhar,D N Road,Fort 400001 Tel.22 - 22062077,2087,2051,2023 MUMBAI - MALAD (WEST) 29,First Floor,Patel Shopping Centre,Opp.Foodland Restaurant,Sainath Road,Malad (West) 400064 Tel.22 - 28824241/28828281/28895159/28891077 MUMBAI - VASHI B-153,Vashi Plaza Sector 17,Vashi 400705 Tel.22 - 67912087,67912168,67912169 MUMBAI - ANDHERI - KSBL 7,Andheri Industrial Estate Off: Veera Desai Road 400053 Tel.22 - 26730799/843/311/867/153/292 MUMBAI - CHEMBUR Shop No.10,Plot No.71-B,Shram Safalya Near Chembur Station,Opp Vhaishali Hotel,Chembur East 400071 Tel.22 - 25211839,MUMBAI - DADAR WEST 101 Sapna Building,Above Idbi Bank S K Bhole Marg,Dadar West 400 028 Tel.022 - 24329763,24322158,24324378,24329738,24324662 MUMBAI - FORT (TRANSWORLD) - CENTRALISED DEALING 16/26,16/22,Transworld,Maharashtra Chambers Of Commerce Lane,Opp Mcs Bank,Fort 400023 Tel.22 - 66314326,22844777,22842668 MUMBAI - TARDEO Room No.115,Arun Chambers,1st Floor Next To A/C Market,Tardeo 400034 Tel.22 - 66607042 MUMBAI - THANE 103,Jivan Chaya Bldg.,Ram Maruti Road,Naupada 400602 Tel.22 - 25380645/25380633/25446121/25446124,25446129 MUZAFFARNAGAR 203/99,C Sadar Bazar,Town Hall Road,Opp: Peace Library Above Bank Of India 251001 Tel.131 - 2437349,2437359 MYSORE No.9/2,New Nol.L-350,Silver Tower,1st Floor Ashoka Road,Opp: Clock Tower 570001 Tel.821 - 2524292,2524294 NAGPUR 230-231,3rd Floor,Shreeram Tower Near Nit Building,Sadar 440001 Tel.712 - 6614146/6614145 NASIK F1,Suyojit Sankul Sharanpur Road 422002 Tel.253 - 9665066531,32,33 NAVSARI 1/1,1st Floor,Chinmay Arcade Opp: Sattapir,Tower Road 396445 Tel.2637 - 280364,280366,280367 NEW DELHI - JANAKPURI 110-112,1st Floor,Suneja Tower I Distt.Centre,Janak Puri New Delhi 110058 Tel.11 - 25547631/25547637/41587300/41588242 NEW DELHI - MOTI NAGAR 23,Shivaji Marg Main Main Najafgarh Road Moti Nagar New Delhi 110015 Tel.11 - 45436371/41428501 TO 05/41428563/32031582 NEW DELHI - NEHRU PLACE 301,Vishal Bhavan 95,Nehru Place 110019 Tel.11 - 41808123/26447065/66/74 NEW DELHI - PREET VIHAR 103,Savithri Sadan - I,11,Community Centre,Preet Vihar 110092 Tel.11 - 22460976/22460978/22460949/22460952 NEW DELHI - RAJENDRA PLACE 402,4th Floor,Vikrant Tower,Rajendra Place 110008 Tel.11 - 41536548/41537844/41539961/62/64 NEW DELHI - ROHINI 104,1st Floor,Nanda Devi Towers Prashanth Vihar,Central Market 110085 Tel.11 - 27864193/27864281/27864377 NEW DELHI - VASANT KUNJ 103,1st Floor,C.S.C.Sector-B,Pocket 8&9,Opp G D Goenka Public School,Vasant Kunj 110070 Tel.11 - 41787156/41787158/41787155/41787159-161 NEW DELHI - BHIKAJI CAMA PLACE Ug-29 Ansal Chamber-1 110066 Tel.11 - 41659722/41659723 NEW DELHI - CONNAUGHT PLACE 105-108,Arunachal Building 19,Barakhamba Road,Connaught Place 110001 Tel.11 - 23324401/43509200/23324409 NEW DELHI - PASCHIM VIHAR B 2,Dda Market Shop No.50 Paschim Vihar New Delh 110063 Tel.11 - 42321024/42321392/25263902/03 NOIDA - SECTOR 26 307,2nd Floor Jaipuria Plaza,D-68a 2nd Floor,(Opp Delhi Public School) Sector 26 201301 Tel.120 - 2539271/2539272/2539273 PANJIM 18,19,20,City Bussiness Centre,Coel Ho Pereiera Building Dada Viadya Road,Opp Jama Maszid Road 403001 Tel.832 - 2426870,2426871,2426872 PATIALA Sco 27b Chhoti Barandari 147001 Tel.175 - 5051726/5051727/5051728 PATNA Anand Tower,2nd Floor,Exhibition Road Near Republic Hotel,Opp: Icici Bank 800001 Tel.612 - 2321354/56/57 PONDICHERRY No.7 Thiayagaraja Street 605001 Tel.413 2220640 PUNE Office No.6,Third Floor,Rachana Trade Estate Law College Road,Near Sndt Circle,Cts No.105,Erandwane 411033 Tel.20 - 66048790 (5 LINES)/91/92/93 PUNE - AKURDI Rameera Towers,130/24,Pcmtda Tilak Road,Nigidi,Pradhikaran 411044 Tel.20 - 27659115 PUNE - WANOWARIE Shop No.3 & 4,Ashwini Palace Near Kedari Petrol Pump 411040 Tel.20 - 26850842,43,65610451,52,53 454 RAICHUR Sangeeta Arcade,No.11-2-61,1st Floor Lingsugur Road 584101 Tel.8532 - 225856,57,58,59,60 RAIPUR Lower Level-02& 03,Millennium Plaza,Near Indian Coffee House,G E Road 492001 Tel.771 - 2236694,96,4039320 RAJAHMUNDRY D No 6-1-4,1st Floor Rangachary,T Nagar 533101 Tel.883 - 2434468,69,70 RAJKOT 104,Siddhivinayak Complex,Dr.Yagnik Road,Opp.Ramkrishna Ashram 360001 Tel.281 - 3291043,3291042,2239338 RAJPURA 13 Block A,Frist Floor,Caliber Market Chandigarh Patila Road 140401 Tel.176 - 240452/53 RANCHI 203,Commerce Towers,2nd Floor Beside Mahabir Towers,Main Road 834001 Tel.651 - 2330386,2330394,2330320 ROHTAK 1st Floor,Ashok Plaza Delhi Road 124001 Tel.1262 - 271983-84/258019 SALEM 40,Brindavan Road,5th Cross,Near Perumal Koil Fair Lands 636016 Tel.427 - 2335701,02,03,04,05 SALEM 40,Brindavan Road,5th Cross,Near Perumal Koil Fair Lands 636016 Tel.427 - 2335701,02,03,04,05 SHILLONG Mani Bhawan Annex,Thane Road Opp: Rkm Elp School,Lower Police Bazar 793001 Tel.364 - 2224186/75/8172 SHIMLA Triveni Building,By Pas Chowk Khallini 171002 Tel.177 - 2003205/2623205/2624453 SHIMOGA No.8-50/A,Llr Road; Opp: Telecom Gms Office Durgigudi 577201 Tel.8182 - 228795,96,97,226747 SILIGURI Nanak Complex 2nd Floor,Sevoke Road 734401 Tel.353 - 2526393,2526394,2526395,2526396,2526397 SIRSA C/O Anand Electricals,Sco 41 City Thana Road 125055 Tel.1666 - 327100/327200/327300 SURAT G-16,Empire State Building,Near Udhana Darwaja Ring Road 395002 Tel.261 - 3017155 - 52 THRISSUR 2nd Floor,Brohers Complex,Near Dhanalaxmi Bank Head Office Naikkanal Junction 680001 Tel.487 - 2322483/2322484/2322493/2322494
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MUTHOOT FINANCE LIMITED : APPLICATION FORMS AVAILABLE AT FOLLOWING LOCATIONS LEAD MANAGERS TO THE ISSUE / LEAD BROKERS TO THE ISSUE ANAND RATHI
HYDERABAD 1st Flr,6-3-346/1,Road No.1,Banjara Hills,Hyderabad - 500034" VIJAYAWADA1st Flr,No.12-2-269,Babu Rajendra Prasad Road,Vijaywada - 1 VISAKHAPATNAM 2nd Flr,No.47-10-32,Guttikonda Mansions,Dwarakanagar,Visakhapatnam - 530016 GUWAHATI 4th Floor,Plont No.1528/1529,K.P.Patta No.796 Sahar Ulubari Mouza,Guwahati.PATNA 2nd Floor Shahi Complex Dakbunglow Road Patna-800001 RAIPUR No.229,230,231,232,2nd Flr,Lalganga Shopping Mall,G.E.Road,Raipur.PANAJI Trimurthy Building,1st Floor,Opp Hotel Novagoa,Panjim,Goa-403001.AHMEDABAD Unit No.201,2nd Flr,Parth Complex,Off C.G Road,Swastik Cross Char Rasta,Navrangpura,Ahmedabad 38009.ANAND F-6/7,1st Flr,Silver Oak,Opp Panchal Hall,Anand V.V Nagar,Anand - 388001 SURAT,G-2,International Trade Centre,Majuragate Crossing,Ring Road,Surat VADODARA,Ff/104,Capri House Ii,15-Sudhanagar Chs,Jetalpur Road,Vadodara-390005 JAMMU,2 & 16,North Block B-1,Bahu Plaza,Rail Head Complex,Jammu-1800004 RANCHI,5th Flr,M R Tower,Sarada Babu Street,Line Tank Road,Upper Bazar,Ranchi 834001 BANGALORE,Express Building No.1,4th Floor,Queens Road,Civil Station,Banglore-560052 BELGAUM,Sri Krishna Towers,2nd Floor,Cts No.14,Khanapur Road,Tilakwadi,Belgaum-590006 BIJAPUR,Bhaheti Complex,Kirana Bazzar Circle,S.S.Road,Near Tata Indicom Show Room,Bijapur-586106 GULBARGA,1-101/3,4,5/F1 & Part Of F-2,Asian Plaza,Sardar Vallabh Bhai Chowk,Station Road,Gulbarga-485102 HUBLI,No.103to108,A-Blocka-Block,Court Circleclub Roadhubli-580029ph -0836-5259200 MANGALORE,GROUND FLOOR,NO.G-10 ( DOOR NO.14-4-511/21 ),CRYSTAL ARC,BALMATTA ROAD,MANGLORE - 575001 MYSORE,442/5,Srikanteshwara Mansion,1st Flr,Chamaraja Double Road,South Cross Road,Near Ramaswamy Circle,Mysore RAICHUR,H.No.12-10-51/3a,1st Floor,Lingasugur Road,Raichur-584101 SHIMOGA,1st,Floor,Lakshmi Sadan,Parl Exten.Opp.Icici Bank,Shimoga-577201" ERODE,Door No 155 & 155 A,Dhana Vikas Complex,Nehru Street,Erode-638001,Tamilnadu AURANGABAD,1st Floor,Plot No.24 & 25,Vivekanand College Road,Opp.Police Workshop,Samarth Nagar,Aurangabad: 431001/ KOLHAPUR,Shop No 67,68,Gemstone,R D Vichare Complex 517/2 E Ward,Shahupri,Kolhapur MUMBAI,Seagull House,2nd Floor,Shivaji Colony,Chakala,Andheri (E),Mumbai - 400099,India NAGPUR,S-1 & S-2,2nd Floor,Shradha House,345 Kingsway,Opp Bank Of India,Nagpur - 440 001. NASHIK, Office No.6,2nd Floor,Stadium Complex,Bldg No.5 M G Road,Nashik 422001 Pune, 2nd Flr,Indrayani,C.T.S No.58/1,Final Plot No.92/1,Erandavane,Pune - 411004" Thane(Mumbai),Shop No.3,Grd Flr,Shree Sadan,Naupada,Ghantali Devi Road,Thane W,Mumbai 400602" NEW DELHI/DELHI,Flat No.911,9th Floor,Ansal Bhavan Bldg,16,Kasturba Gandhi Marg,New Delhi-110001" BHUBANESWAR,49,2nd Flr,East Side,Ashok Nagar,Bhubenshwar CUTTACK,Grd Flr,Plot No.1615,Haripur,Cuttack - 753001" AMRITSAR,Mezzanine Flr,Nagpal Towers Ii,Sco 44,Distt,Shopping Centre,Ranjit Avenue,Amritsar CHANDIGARH, Office No.1,3rd Flr,Sco No.37-38,Sector 17-C,Chandigarh Jalandhar,1st Floor,Apex Tower,G T Road,Jalandhar,Punjab LUDHIANA,15,Span Plaza,Feroz Gandhi Market,Ludhiana-141001 BHILWARA,D-1,D-2,E-1,F-2,Ganapati Enclave,Heera Panna Campus,Opp.Nahar Bros.Petrol Pump,Pur Road,Bhilwara-311001 BIKANER,Near Drm Circle,Above Obc Bank,Bikaner - 334005. JAIPUR,Off No.4,5,6,7,8&L-4,1st Flr,C-98,Sanghi Upasana Tower,Ahinsa Circle Subhash Marg,C-Scheme,Jaipur 302001 KOTA,Indragyan Complex,Gumanpura,Kota UDAIPUR,46/3,Madhuban,Udaipur CHENNAI,G1,Ground Floor,Arthi Apartments,No.150,Habibullah Raod,T Nagar Chennai-600 017 COIMBATORE,No.41-A,West Lokamanya Street,1st Floor,R.S.Puram,Coimbatore - 641002 MADURAI,272,Good Shed Street,Madurai-625001" Salem,No 252,Brindavan Main Road,Fairlands,Salem 636 016 TIRUPUR,62(1),Western Portion,Binny Main Street,1 Floor,Kumaran Street,Tirupur-1" TRICHY,Sri Krishna Enclave,No 75 E/3,3rd Floor,Salai Road,Thillai Nagar,Trichy-620018 AGRA,Shop No.9,1st Flr,Deepshika Bldg,Sanjay Place,Agra-282002 ALLAHABAD,Darbari Bldg,15/29/125,Plot No.25,Mahatma Gandhi Marg,Civil Station,Allahabad 211001 KANPUR,Grd Flr,16/79-H,Civil Lines,Kanpur 208001" LUCKNOW,Taz Plaza,Gr.Floor,(Madan Mohan Malviya Marg) Lucknow -226001. VARANASI,Office No.33,3rd Floor,D,48/141-A,Misir Pokhra,Luxa Road,Varanasi DEHRADUN,1 Grd Flr,Neshvilla Road,Behind Congress Bhavan,Dehradun - 248001" Davanagere,Eshwar Complex,P.J.Extn,2nd Main,Raitara Beedi,Davangere-577002 KOLKATA,Central Plaza,Room No-501,2/6 Sarat Bose Road,Kolkata-700020" Siliguri,2nd Flr,Above Raymond Showroom,Sevkoke Road,Plot No.766,Khatian No.5282/1,Mouza Siliguri,Jl No.110(88),Pargana Baikunthapur,Post Office,P.S.,District Darjeeling,West Bengal.
BAJAJ CAPITAL
AGRA: Shop No.110,Ground Floor,Block No.27/2/4,Sanjay Palace,Near Hotel Panchrattan,Agra 282002,Ph: 0562-6457307.AHMEDABAD: 2-L,Akik Opp Lions Hall,Mithakhali Six Raod,Near Nalanda Hotel,Ellisbridge,Ahmedabad 380006,Ph: 079-64500171,72.AJMER: 26,Ground Floor,Ajmer Tower,Kutchery Road,Ajmer - 305001.Ph: 0145-6451231,0145-6451232.ALLAHABAD: Shop No.F-5,Indira Bhawan,Civil Lines,ALLAHABAD 211001,Ph: 0532-6452481,0532-6452482.BANGALORE: Unit 104-107,First Floor,A Wing,Mittal Towers,M.G.Road,Bangalore 560001,Ph: 080-65471121,65471123.759,Shri Jayalakshmi Nivasa,100-ft Road,Indira Nagar,(Opp.SBI Personal Bank) Bangalore-38,Ph: 080-65471127/26.4,Lakshmi Mansion,81/B,8th Main Road,Opp.Food World,3rd Block,Jaya Nagar,Bangalore -11,Ph: 080-65471128/29.Raheja Arcade,1st Floor,#122,Koramangala,Bangalore-34,Ph:080-65471130/31.197,Sampige Rd,Near 11th Cross,(Above Karnataka Bank) Malleshwaram,Bangalore- 3,Ph: 080-65471132/33.Rajaji Nagar 293/1,17th Main Road D,IIIrd Block,Rajaji Nagar,Bangalore-10,Ph: 080-65471139/ 38.BHOPAL: Shop No.6,First Floor,Jyoti Cinema Complex,M.P.Nagar,Zone1,Bhopal 462011,Ph: 0755-6459550.BHUBANESHWAR: Plot No.1/A,Ground Floor,Station Square,Kharvel Nagar,Bhubneswar 751001,Ph: 0674 - 6451257,6451269.CHANDIGARDH: SCO 341 - 342,First Floor,Sector 35B,Chandigarh 160036,Ph: (0172),6451612 13.CHENNAI: Wellington Plaza,3rd Floor,90,Anna Salai,Chennai 600002,Ph: 044-23451207,08.K.R.BUILDINGS,No.12,L.B.Road,Adyar,Chennai - 600 020,Ph: 64588304/305/306.W.111,First Floor,3rd Avenue,Anna Nagar,Chennai 40,Ph: 64588309/310,64581539.Shop No.4,Trinity Complex,No.110,4th Avenue,Ashok Nagar,Chennai 83,Ph: 64588311/312.No.7,R.K.Mutt Road,(Near Indian Bank) Mylapore,Chennai 4,Ph: 64581540/64588318/317.Shop No.4,Plot No.3,29th Street,Nanganallur,Chennai-61,Ph: 64588320/319.Bridge Port,New No.29,Old No.12,Burkit Road,T.Nagar,Chennai-17,Ph: 64588321/22.Shop No.5,Ground Floor,Vikas Plaza,37/C,Velachery,Tambaram Road,Chennai 42,Ph: 64588326/24.COIMBATORE: No.575,D.B.Road,First Floor,(Near Head Post Office) R.S.Puram,Coimbatore 641002,Ph: 6470136,38.DEHRADUN: 15,Rohini Plaza,11-E Rajpur Road,Dehradun 248001,Ph: 0135-6452648,0135-6452649.DHANBAD: Ozone Plaza,1st Floor,Bank More,Dhanbad 826001,Ph: 0326-2300576.FARIDABAD: 5R/1 Ground Floor,B.K.Chowk,Near HDFC Bank,Faridabad 121001,Ph: 0129 6466566.GHAZIABAD: G-5,Ansals Satyam Building,Raj Nagar,District Centre,Ghaziabad 201002,Ph: 0120 6493211,0120-6494070.GORAKHPUR: Ground Floor,A D Towers,Bank Road,Gorakhpur,Gorakhpur 273001,Ph: 0551-6453025,0551-6453026.GURGAON: Super Mart B-201,Super Mart - 1,DLF City Phase - IV,Gurgaon 122002,Ph: 0124-6469991,0124-6468105.Sec 14 102,AKD Tower,Upper Ground Floor,Near HUDA Office,Sector-14,Gurgaon- 122001,Ph: 124- 6468101,6468102.GUWAHATI: Room No.102,1st Floor,Dunfur Apartment,R G Baruah Road,Guwahati 781024,Ph: 9207045530,312.HYDERABAD: 3-6-522,2nd & 3rd Floor,Archies Showroom,Opp.KFC,Himayath Nagar,Hyderabad 500029,Ph: 040 - 44555555,64631421,22.Shop No.4,Ground Floor,Swarnajayanthi Complex (HUDA) Ameerpet,Hyderabad 500016,Ph: 040-64631425/24.No.3/MIG-I,Near ICICI Bank,K.P.H.B.Colony,Kukatpally,Hyderabad 500072,Ph: 64631427/26.Shop No.10,First Floor,Minerva Complex,94,S.D.Road,Secunderabad 500003,Ph: 040-64631428,29.INDORE: Shop No.3,City Plaza,M.G.Road near Regal Cinema,Indore- 452001,Ph: (0731) 6452014.JAIPUR: G-3,Anukampa Tower,Opp.SangamTower,Church Road (M.I.Road),Jaipur 302001,Ph: 0141-6503342,43.JAMSHEDPUR: Shop No.53,2nd Floor,Kamani Business Centre Bishtupur,Jamshedpur 831001,Ph: 6457603,6457627.KANPUR: 106,Ratan Esquire,14/144,Chunni Ganj,Kanpur 208001,Ph: (0512) 6451763 64.KOCHI: Rubicon Building,S.A.Road,South Over Bridge,Valanjambalam,Kochi 682016,Ph: 0484-6452566,65.KOLHAPUR: Ground Floor,Damodar Enclave Apartment,10th Lane,Rajaram-puri,Kolhapur 416001,Ph: 0231 6450529.KOLKATA: 5th Floor,Room No.507,7/1,Lord Sinha Road,Kolkata 700071,Ph: 033 22820383.9,Ezra Street,Kolkata-700001,Ph: 64578545 47.Gagananchal Complex,Shop No.38A,37,Dr.Abani Dutta Road,Howrah 711106,Ph: 64602157 - 58,64604011.B-9/20 (C.A),P O.Kalyani,Dist.Nadia,Kalyani-741235,Ph: 64605211,64605214.182,Jessore Road (Satgachi Crossing),Dum Dum,Kolkata 700074,Ph: 64578543.Mezanine Floor,Flat No.3,P - 24A,C I T Road Scheme VI M,Kolkata - 700054.Ph: 64578551 52.Martin Burn House,Ground Floor,Room No.15,1,R N Mukherjee Road Kolkata 700001,Ph: 64578553 54.Sec-I BF-192,Sec-I,Salt Lake,Kolkata - 700064,Ph: 64578627 29.Sec-V Plot No.IX-16,Block EP & GP,Sec-V,Salt Lake,Kolkata 700091,Ph: 64578555 56.First Floor,4 Jatin Bagchi Road,Kolkata-700029.Ph: 64578548 50.Ground Floor,Shop No.9,ShreeramNagar,Teghoria,V I P Road,Kolkata700052,Ph: 64578625.25/A,Raja Ram Mohan Roy Road,Kolkata 700008,Ph: 64578542.C-36,Lakshmi Narayan Colony,Po.Naktala,PS.Jadavpur,Kolkata-700047,Ph: 64578626.LUCKNOW: 5,Commerce House,Habibullah Compound,11,M.G.Marg,Hazratganj,Lucknow 226001,Ph: 0522 6565568.LUDHIANA: M-3,ABC Services,SCO-137,Feroze Gandhi Market,Ludhiana1,Ph: (0161) 2412287.MADURAI: Suriya Towers,No.5,First Floor,272/273,Good Shed Street,Madurai 625001,Ph: 0452 - 6461023,6461024,6461025.MANGALORE: Essel Towers,BS 4,Bunts Hostel Circle,Mangalore 575003,Ph: 0824-6451218,17.MEERUT: G-43,Ganga Plaza,Near Begam Bridge,Meerut cantt.- 250001,Ph: 0121 - 6451510,6451511.MUMBAI: Agra Bldg,Gr.Floor,7/9 Oak Lane,Fort,Mumbai 400023,Ph: 022 66376999.16,Shoppers Point,Behind Motimahal Restaurent,S V Road,Andheri - (W),Mumbai 400058,Ph: 022 - 65210112,65210116.Rashesh Building,Shop no.11,1st Floor,Near Maxus Mall,150 ft Road,Bhayandar (w),Thane 401104,Ph: 022 - 65991662 63.Shop no.1,Shantinath Apt,Opp star Apt,S V Road,Borivali (w),Mumbai - 400092,Ph: 65991664 66.Room No.1,Gr Floor,Sunil Sadan Opp Grand Central Restaurant,M.D.S Marg,Chembur (E) Mumbai - 400071,Ph: 022- 65991667 68.Shop No.5,Abdul Kadar Jilani Building,Gokhale Road,Opp.Portugese Church,Dadar (w),Mumbai - 400 028,Ph: 65991669 70.Office No.8,Nandashish Building,R.B.Mehta Marg,Ghatkopar (E),Mumbai 400 077,Ph: 022 65991671/65210115.Shop No 61,Vasant Sagar,Krishna Bldg,Opp Thakur Cinema,Thakur Village,Kandivali (E),Mumbai 400101,Ph: 022 - 64507728,65991672.Shop No 1,Dhara Complex,Plot No.3&4,Sec-No 44,Seawoods,Nerul,Navi Mumbai 400706,Ph: 022- 65991674 75.Shop No 11,Gr.Floor,Dheeraj Heritage Bldg,SV Road,Santacruz: (W),Mumbai 400054,Ph: 022 - 64507727,65991676.Shop no - 3,Chaman House Co-op Hsg Society,plot no - 34,Beside IDBI Bank Atm,Sion (E) Mumbai 400022,Ph: 022 - 64518004,65991677.Shop No 3,5th Floor,Tardeo Airconditioned Market,Mumbai - 400 034,Ph: 64534950,64534954.R.No 5,Above Khandelwal Sweets,Opp Thane Railway Station,Gokhale Road,Thane (W) Mumbai 400601,Ph: 022-25376898,65991678 79.NAGPUR: Shop No.5,Pushpakunja Commercial Complex,Central Bazar Road,Ramdas Peth,NAGPUR 440010,Ph: 0712-6618577.NASHIK: G 18 & 19,Suyojit Sankul,Tilak Wadi,Sharanpur Road,Nashik 422002,Ph: 0253 - 6629011,6629012.NEW DELHI: Bajaj House,97,Nehru Place,New Delhi 110019,Ph: 011 41693000,26410315.N-10,Kalkaji,New Delhi,Ph: 64736914,64640919.15,L.G.F.Central Market,Masoodpur,Vasant Kunj,New Delhi -110070,Ph: 64736918,64640940.Shop no.15,Ground Floor,Deep Cinema Complex,Phase - 1,Ashok Vihar,Delhi 110052,Ph: 64736944,64640908.United India Life Building,F-Block,Connaught Place,New Delhi 1,Ph: 41790444 (30 Lines) 6464090007.DDA Shop No.24,Ground Floor,Rama Krishna Market,No.1,I.P.Extension,Patparganj,Delhi 110092,Ph: 64736942,64640931.DDA Shop No.24,Ground Floor,Rama Krishna Market,No.1,I.P.Extension,Patparganj,Delhi 110092,Ph: 64736942,64640931.DDA Shop No.4,FD Market,Near Madhuban Chowk,Pitampura,Delhi - 110088,Ph: 64736902,64640933.5/201,Sikka Complex,IInd Floor,Community Centre,Preet Vihar,Delhi-110092,Ph: 64736909,64640935 6.9,Ground Floor,Rajendra Bhawan,Rajendra Place (Opp.Rachna Cinema) New Delhi - 110008,Ph:,64736940,64640938.112,1st Floor,Ansal Chamber- 1,Bhikaji Cama Place,New Delhi-110066,Ph: 64736916,64640910.F-1,Ist floor,B-87,Defence colony,New Delhi- 110024,Ph: 64736930,64640912.F-4,HL Square,Plot No.6,Sector-5,Dwarka,New Delhi 110075,Ph: 64736925,64640915.Shop No.11 & 12,7-A,Janakpuri Dist.Centre (Opp.Janak Puri Transport Authority),New Delhi 110058,Ph: 64736912,64640917.Shop No.3,Ground Floor,B-5,Tagore Market (Next to Post Office),Kirti Nagar - 110015,Ph: 64736922.C-50,Shivalik,Main Road,Malviya Nagar,New Delhi-110017,Ph: 64736907,64640923.G-8&9,Ground Floor,Bhanot Tower,A-Block Opp.Jawala Heri Market,Paschim Vihar,New Delhi 110063,Ph: 64640929,64736947.19,DDA Market,Commercial Complex,Yusuf Sarai,New Delhi 110016,Ph: 64640943 - 44,64736937.NOIDA: Sector -29 A-2,Brahmputra Commercial Complex,Near Rail Reservation Centre,Sec.29,Noida 201301,Ph: 6494074 - 75,6493213.Sec-41 C-20,C Block Market,Sector-41,Noida 201301,Ph: 2570410,6494077 78.PANAJI: F2,1st Floor,Alfran Plaza,Near Don Bosco School,Panaji,Goa,Panaji 403001,Ph: 0484 2356869,70.PATNA: Flat No.108,1st Floor,Ashiana,Plaza,Budha Marg,Patna 800001,Ph: 0612- 6451056 - 59,61 63.PONDICHERRY: No.127/A,100 Ft.Road,Natesan Tower,1st Floor,Natesan Nagar,Pondicherry 605001,Ph: 0413 - 6452334,6452335.PUNE: Shop No 6,Sanas Plaza,1302,Subhash Nagar,Bazirao Road,Pune 411002,Ph: 020-65009460,61.Suyash Plaza,Office No.08,3rd floor,Opp-Selene Building,Bhandarkar road,Near Kamla nehru Park.Pune 411004,Ph: 020 65009463.Office no.13,A Wing,Kamala Cross Road,Opp.PMPC office,old Mumbai highway,Pimpri,Pune 411018,Ph: 020 46500150-51.RAJKOT: Prathibha Complex,Near Jayesh Publicity,Moti Tanki Chowk,Rajkot 360001,Ph: 0281-6450135,37.SALEM: 22,GF,Omalur Main Road,SALEM 636009,Ph: 0427 - 6452565,6452566.SILLIGURI: 3rd Floor,Jatin Das Sarani,(Near Jwel Club),Ashram Para,Siliguri,Siliguri 734001,Ph: 9641831375.SURAT: L-4,Ground Floor,Vishwakarma Chambers,Majura Gate Crossing Road,Ring Road,Surat 395002,Ph: 0261-6450421,6450422.THIRUVANANTHAPURAM: Edamala Plaza,TC 14/999 Opposite Police Headquarters,Vellayambalam Road,Vazahuthacadu Sasthamangalam Post,Thiruvananthapuram 695010,Ph: 04916450176.TIRUCHIRAPALLI: Swati Arcade,73/1 - f 1st Floor Salaia Road,Thillai nagar,Thiruchirapalli 620018,Ph: 0431 - 6452094,6452095.VADODARA: 129 Siddharth Complex,R C Dutt Road,Vadodara 390007,Ph: 0265 3088162.TRICHUR: VIII/78/9,Bharatha Kshemam Building,Next to SBI ATM,College Road,East Fort,Thrissur 680005.Ph: 04876451533,70.VARANASI: D-58/53-54,1st Floor,Shiva Complex,Rath Yatra Crossing,Varanasi 221010,Ph: 0265-6450181.VIJAYWADA: Kalyan Complex 39-1-89,1st Floor,Beside OBC Bank,Temple Street,M.G.Road,Labbipet,Vijayawada 520010,Ph: 0265 6450181.VISHAKHAPATNAM: Door No.10-1-125,1ST Floor,Asilmetta Junction,Beside Prasad Labs,Visakhapatnam 530003,Ph: 0891-6461773,74.
MUTHOOT SECURITIES
AHMEDABAD Dhanlaxmi Bank, 3, Motilal Chambers, Income Tax Circle, Near Sales India, Ashram Road, 143 Ahmedabad, Gujarat 380009, Mr. Vishal Upmanyu BHOPAL Dhanlaxmi Bank, Ground Floor, VNV Plaza, Plot No:6,, Zone -2, Maharana Pratap Nagar, Bhopal, Madhya Pradesh 462011, Mr. Nand Kishore Piryani CHANDIGARH Gr Floor, Rai Building, Sco 93 & 94, Sector - 17 B&C, Near K C Cinema, Chandigarh 160017, Nandit Sood CHENNAI Dhanlaxmi Bank Ltd, P.B.No. 359, 104 & 107,Om Sakthi Towers, Mount Road, Anna Salai, Chennai, Tamil Nadu - 600002, Mr. J Srinivasa Narasimhan COIMBATORE 461, Vivekananda Road, Ram Nagar, 62- Coimbatore, Tamil Nadu 641009, Mr. Chidhambaranatha Pillai. M HYDERABAD 23/A, Sai Sushma Homes, Main Road, S. R. Nagar, Opp. S. R. Nagar Police Station Hyderabad - 500038, Ms. Madhavi JAIPUR Ground Floor, G-3-4-5-6-7, Royal World, Opp. City Centre,Sansar Chand Road, Jaipur Rajasthan 302001 Ms. Sneh Walia JALANDHAR Ground Floor, 465 - A, New Jawahar Nagar, Jalandhar, Punjab - 144001, Mr. Mandeep Sharma KOCHI/ERNAKULAM Dhanlaxmi Bank, 32/2383, KMM Building, Opposite KSEB, SN Junction, 38- Palarivattom, Ernakulam, Kerala - 682025, Mr. Arun Nair KOLKATA Ideal Plaza, Ground Floor, 11/1, Sarat Bose Road, 154 - Kolkata, West Bengal - 700020, Mr. B. K. Subrahmanian LUCKNOW Dhanlaxmi Bank, Halwasiya House, No: 11, M G Road, Hazratganj, Lucknow, Uttar Pradesh - 226 001, Mr. Vipul Kumar MUMBAI The Dhanlaxmi Bank, Ground Floor, Janmabhoomi Bhavan, Plot 11-12, Janmabhoomi Marg, 144 - Fort, Mumbai, Maharashtra - 400 001, Mr. Ramesh Menon; 307, Jolly Bhavan 2, Opp. Nirmal Niketan College, New Marine Lines, Mumbai 20, Mr. Mayur; Gr. Floor, Mirage Arcade, Opp. Ganesh Temple, Nehru Road, Dombivli (East), Thane, Maharashtra 421201, Ms. Anita Iyer; Gr Floor, 2/3/4, Kapoor Apt, Chandavarkar Road, Boriwali (W), Mumbai, Mr. Winniefred Dsouza MYSORE Sri Lakshmi Arcade, D No:14, 4th Main, 8th Cross, Kamakshi Hospital Road, Saraswathypuram, Mysore - 570009 Mr. Satish S P NEW DELHI Dhanlaxmi Bank, 16/15, W.E.A., J.S. Plaza, Arya Samaj Road, Karol Bagh, New Delhi - 110005, Mr. Arvinder Palsingh, PANAJI Ground Floor, Behind Hotel Fidalgo, M.G. Road, Panaji Goa 403001, David De Souza PUNE The Dhanlaxmi Bank Ground & 1st Floor, Radiant Arcade, M.G. Road, (East Street), Pune 411001, Mr. Bhavesh Nayak SURAT 142, 3rd Floor, The Surat, Vankar Sahakari Sangh Building, Opp. Reshamwala Market, Ring Road, 142 Surat, Gujarat 395003, Mr. Vijay Singh TRICHUR Dhanlaxmi Bank, Ground Floor, Dhanalakshmi Complex, 4- Pushpagiri, Dlb Bhavan, Punkunnam, Thrissur, Kerala - 680002, Ms. Rekha T R VARANASI Ground Floor, Shakti Sikha Complex, Sigra, Varanasi, Uttar Pradesh 221010, Mr. Ashish Kumar Singh AGRA First Floor,Pariney Garden, Bhagfarjana, Civil Lines, Agra - 282002, 0562 - 4010382 ASANSOL P.C Chatterjee Market , Rambandhu Talaw , Asansol , Pin 713303, 0341-2315179, 9332277661 BANGALORE HDFC Bank Ltd., Cash Management Services Salco Centre # 8/24, Richmond Road 560025, 8066633131 09343790037 BHAGALPUR Triveni Appartment, Dr. R. P Road ,Bhagalpur 812002, 9334391764 BHILWARA HDFC Bank Ltd., Wbo, Shop No. 1-2-3-4, A Block, First Floor, Sk Plaza, Pur Road Bhilwara (Raj.) 311001, 01482-512686, 9351302102 BHUBANESHWAR C111, Business Park, 1st Floor, Sahid Nagar 751007, 0674-2543486 / 9338182087 BIKANER HDFC Bank Ltd. Roshan Plaza, Rani Bazar, Bikaner 334001, 0151-5130042, 9314232073 BURDWAN 45 GT Road Burdwan-713101, 0342-2566355 / 9333744965 CALICUT HDFC Bank Ltd, Iii Floor, Simax Towers, Kannur Road, Nadakkave, Calicut 673011, 9349206616, 9388241847/ 0495- 4433154,155 CHANDIGARH SCO-189-190 Sector 17 C 160017, 0172-4603770-5088306/09316175094 CHENNAI No. 115, Dr. Radhakrishnan Salai, 2nd Floor, Opp. To Csi Kalyani Hospital, Mylapore, Chennai 600004, 9381750927 CUTTACK HDFC Bank Ltd, Holding No 32, 32/A Bajrakabati Road, Cuttack, Orissa 753001, 0671-2332744 / 9338016590 DAVANGERE #651 B H M Enclave, HM Road, Mandipet, Davangere 577001, 08192-232781/82 DHANBAD Sri Ram Plaza, 1st Floor, Bank More, Dhanbad 826 001, (0326) 2308831 DURGAPUR Balai Commercial Complex, 3rd Floor. Benachity, Nachan Road 713213, 0343-2588501/9330038188 ERODE No. 680, Lotus Enclave, Brough Road, Erode 638001, 0424-2261287 GORAKHPUR Wholesale Banking Operations, Shreenath Complex, 10, Park Road, Civil Lines, 273001, 0551-2205685/0551-3208666 / 9335086506 GWALIOR J K Plaza, Gast Ka Tazia, Lashkar 474001, 07514015007/9300788558 HISSAR 3 & 4 MC Area Red Square Market Railway Road Hisar 125000, 01662-241023 KAKINADA #20-1-46, Main Road, Opp Srmt 533 001, 844-2387666-555, 093911-3249 KANPUR 15/46, 1st Floor, Civil Lines, Kanpur 208001, 0512-3028933, 09369078559, 09336015983 KOLKATA Abhilasha Ii, 6 Royd Street (2nd Floor) 700016, 22273761, 9331992557, 9331430891 MADURAI Sri Nithyakalyani Towers, No 34 Krishnarayan Tank Street, North Veli Street 625001, 0452 4246609, 4246609 / 9367156995 MUMBAI Ground Floor, Maneckji Wadia Building,Nanik Motwani Marg,Near Kala Ghoda, Opp Mumbai University, Fort Mumbai 400001, 022-40801570 / 1528 / 1570 / 1560 MUZAFFARNAGAR First Floor, 53/4 Janshat Road, New Mandi 251001, 01131-2661333 / 9319065143 NAVSARI Gr Flr, Nandani Complex, Station Road 396445, 02637-280901, 9327568065 NELLORE 17/126, G.V.R. Enclave, G.T. Road, Nellore 524001, 0861-6450852/0861-2327171 DELHI Fig-Ops 1st Floor, Kailash Bldg 110001, 011- 43174071 / 01143174072/011-43174073 PONDICHERRY T.S.No.6, 100ft Road, Ellaipillaichavady, 605005, 0413-2206575/9362845444 RAIPUR HDFC Bank Ltd, Chawla Towers, Near Bottle House, Shankar Nagar, Raipur, Chhattisgarh 492007, 0771-4003110/3112 RAJAHMUNDRY 46-17-20, 1st floor, Danavaipet, Rajahmundry 533103, 0883-2428691 / 0883-2428826, 9391132485 RAJKOT Shivalik - V , 3rd Floor, Gondal Road, Rajkot 360002, 0281-6536982/09377408494 RANCHI 56 Rohini Complex Circular Road Lalpur Ranchi 834001, 6512560522 SALEM HDFC Bank Ltd,5/241-F Rathan Arcade, Five Roads, Meyyanur, Salem-636004, 0427-2331604 SHILLONG Anders Mansion, Police Bazar, Shillong 793001, 3642506043 SOLAPUR HDFC Bank Ltd 8516/ 11 Murarji Peth,Sun Plaza Bldg, Lucky Chowk, Solapur 413007, 0217-2320877 - 9325230208 SURENDRANAGAR Middle Point, A Wing, Nr : Milan Cenama, Main Road, Surendranagar, 363002, 9328208807/02752-650105 TIRUPATI HDFC Bank Ltd, 19-8-180,Krishna Arcade, Beside IBP Petrol Pump, Near Annamaiah Circle 517501, 9391132489/ 9347527320/ 8772220374 TRICHUR Third Floor, Suharsha Towers, Shornur Road, 680001, 0487-6452085/ 6452098 / 09387069206 TRICHY No.11 Pla Kanagu Towers, 11th Cross, Main Road, Thillainagar 620018, 0431-2742204 9364192987 UDUPI Panduranga Tower/ Diana Circle, Court Road, Udupi 576101, 0820-4294936/9343789969 VIJAYAWADA 40-1-48/2, 2nd Floor, Valluri Complex, M G Road 520010, 0866-6647400/9395153648 AHMEDABAD JMC House, Opp. Parimal Gardens, Opp Parimal Garden, Ambawadi, Ahmedabad 380006, (079) 66523717-719 Farookh bharucha BANGALORE ICICI Bank Towers, 1, Commissariat Road, Ground Floor, Bangalore 560025, 080 - 41296007 Kalyana Chakravarthy BELGAUM Shree Krishna Towers, #14, Khanapur Road, RPD Cross, Tilakwadi, Belgaum. 590006, 0831-2404203, 2404204, 2404205 Jyoti Murigeppa Bachari BHARUCH Blue Chip Complex, Sevashram Road, Panchbatti, Bharuch 392001, 02642 - 252451/ 52 / 53 Ravi Sharma CHENNAI 110, Prakash Presidium, Uthamar Gandhi Salai, (Nungambakkam High Road), Chennai, 600034, 044 - 28228003, 28220713, 28222461, 28222399, 28256359 Venkatesh Kotta ERNAKULAM (COCHIN) Emgee Square, M.G. Road, Ernakulam, Kochi 682035, 0484 - 4081222 Prakash S COIMBATORE Cheran Plaza, 1090, Trichy Road, Coimbatore 641018, 0422-4292102 / 4292115 Rupesh Rajagopal DEHRADUN ICICI Bank Ltd., NCR, Plaza,24, New Cantt Road, Hathibarkala, Dehradun, Uttaranchal 248001, 0135 2743664 / 0135-2743663 Abhay Shukla FARIDABAD ICICI Bank Ltd., Booth No. 104-105, District Centre, Sector 16, Faridabad- 121007, Haryana 121007, 0129-4091401-437 Amit Bhatnagar GUNTUR ICICI Bank Ltd., 5-82-2, PMG Complex, Lakshmipuram Main Road, Guntur 522002, Andra Pradesh, 0863 - 2233653 / 2252500 / 2234391 Jeevan Zachariah GURGAON ICICI Bank Ltd, SCO 18 & 19, HUDA Shopping Centre, Sector-14, Market Complex, Gurgaon 122001, 0124 - 4267151-7 Gagandeep Singh Bedi GUWAHATI Ground Floor, Shanti Complex, G S Road, Bhangagarh, Guwahati. 781005, 0361 - 2452748, 2452743, 2450943, 2457782 Samrat Aich HUBLI Eureka Junction, Travellers Bungalow Road, Hubli 580029, 0836 - 4265212, 4265216, 4265223, 4265240, 4265229 Vaishali Mahishi JAIPUR C-99, Shreeji Towers, Subhash Marg, Near Ahimsa Circle, C Scheme, Jaipur 302001, 0141 - 5107444, 0141 - 2361992 Sharad Mehta JAMSHEDPUR Natraj Mansion, Main Road, Bistupur, Jamshedpur 831001, 0657-2422509 / 10 / 2425907 / 12 Ashwani Kumar KANPUR J.S Towers 208001, 0512-2331041,42,43,44,45 Amiq Khan KOLHAPUR Ground Floor, Vasant Plaza, Rajaram Road, Rajarampuri, Kolhapur 416001, 0231-2534292/3/4 Kishore Kumar KOLKATA 22, R N Mukherjee Road, Kolkata. 700001, 033 - 22428537 / 22100995 Renab Kumar Jha LUCKNOW ICICI Bank Ltd, Shalimar Tower, 31/54 M.G. Marg, Hazratganj, Lucknow -226001, 0522 - 2214246 /2214247 / 2214254 Anurag Srivastava MADURAI 33, North Chitrai Street, Madurai 625001, 0452 - 2628027/2628072 Ramesh M MUMBAI (CAPITAL MARKET DIV.) 30, Mumbai Samachar Marg 400001, 022-22627600 Roshan Tellis MYSORE 2950, Aishwarya Arcade, 9th Cross, Kalidasa Road, V.V. Mohalla, Mysore. 570002, 0821-2414006/ 2412222/ 2416888 Anil Kumar K NAGPUR Vishnu Vaibhav, 222, Palm Road, Civil Lines, Nagpur 440001, 0712 - 2540302 / 5614040 /2561983 /2540294 Ajit Parwate NEW DELHI 9A, Phelps Building, Inner Circle, Connaught Place, New Delhi, 110001, 011 -41517954-58 Deepali Chitnis NOIDA K-1, Senior Mall, Sector 18, NOIDA-201301, Uttar Pradesh 201301, (0120) - 4059801-75 Ravinder Negi PONDICHERRY 47, Mission Street, Pondicherry 605001, 0413-2332237/38/42 Gopalakrishnan Devasenathipathy PUNE A-Wing, Shangrila Gardens, Bund Garden Road, Pune 411001, 020 - 66270640 / 66270641 Salim Sakarlal Khimani RAJKOT Jai Hind Press annexe, Opp. Shardabaug, Babubhai Shah Marg, Rajkot 360001, 0281 - 2443973 / 74 / 75 / 76 Rajeev nair SALEM Swarnambigai Plaza, S. F. No. 6/5, Block no. 7, Ward-C, Omalur Main Road, Near Bus Stand, Salem 636009, 0427 - 2336635 / 36 / 39 Vasudevan B N R SURAT Anjan Shalaka, Lal Bungalow, Athwa Lines, Surat 395007, 0261-6452556,2258234/35 Mehernosh Kasad TRICHY New no - 58, West Bouleward Road, Trichy 620002, 0431 - 2702252 / 2704052 Prasanna kannappa VISAKHAPATNAM 47-14-18, Isnar Satyasri Complex, Main Road, Dwar
DB BANK L M TED
IN THE NATURE OF FORM 2A - MEMORANDUM CONTAINING SALIENT FEATURES OF THE PROSPECTUS GENERAL INSTRUCTIONS
Applicants are advised to read the Prospectus and the General Instructions contained in this application form carefully and to satisfy themselves of the disclosures before making an application for subscription. Unless otherwise specified, all the terms used in this form have the same meaning as in the Prospectus. For a copy of the Prospectus the applicant may request us and/or the Lead Managers. Further, investors are advised to retain the copy of the Prospectus/Abridged Prospectus for their future reference. Please fill in the Form in English using BLOCK letters. Investors should carefully choose the Option(s) they wish to apply for. Please refer to Terms of the Issue in the Prospectus for details. TERMS OF THE ISSUE The NCDs being offered as part of the Issue are subject to the provisions of the Debt Regulations, the Act, the Memorandum and Articles of Association of our Company, the terms of the Prospectus, the Application Forms, the terms and conditions of the Debenture Trust Agreement and the Debenture Trust Deed, other applicable statutory and/or regulatory requirements including those issued from time to time by SEBI/the Government of India/BSE, RBI, and/or other statutory/regulatory authorities relating to the offer, issue and listing of securities and any other documents that may be executed in connection with the NCDs. 1. Ranking of NCDs : The NCDs would constitute direct and secured obligations of ours and shall rank pari passu inter se, and subject to any obligations under applicable statutory and/or regulatory requirements, shall also, with regard to the amount invested, be secured by way of a first pari passu charge on the identified immovable property and first pari passu charge on current assets, book debts, loans and advances, and receivables including gold loan receivables, both present and future. The NCDs comprising the present issue and all earlier issues of debentures outstanding in the books of the Company having corresponding assets as security, shall rank pari passu without preference of one over the other except that priority for payment shall be as per applicable date of redemption. 2. Debenture Redemption Reserve : Section 117C of the Act states that any company that intends to issue debentures must create a DRR to which adequate amounts shall be credited out of the profits of the company until the redemption of the debentures. For further details please refer to the Prospectus. 3. Face Value : The face value of each NCD shall be ` 1,000. 4. NCD holder not a Shareholder : The NCD holders will not be entitled to any of the rights and privileges available to the equity and/or preference shareholders of our Company. 5. Rights of NCD holders : The final rights of the NCD holders will be as per the terms of the Prospectus and the Debenture Trust Deed to be executed between our Company and the Debenture Trustee. For further details please refer to the Prospectus. 6. Minimum Subscription : If our Company does not receive the minimum subscription of 75 % of the Base Issue, i.e. ` 2,250 million, prior to allotment, the entire subscription shall be refunded to the applicants within 30 days from the date of closure of the Issue. If there is delay in the refund of subscription by more than 8 days after our Company becomes liable to refund the subscription amount, our Company will pay interest for the delayed period, at rates prescribed under sub-sections (2) and (2A) of Section 73 of the Companies Act, 1956. 7. Market Lot & Trading Lot : Under Section 68B of the Act, the NCDs shall be allotted only in dematerialized form. As per the Debt Regulations, the trading of the NCDs shall be in dematerialised form only. Since trading of the NCDs is in dematerialised form, the tradable lot is one NCD. Allotment in the Issue will be in electronic form in multiples of one NCD. For details of allotment refer to chapter titled Issue Procedureunder the section titled Issue Related Information of the Prospectus. 8. Nomination facility to NCD holder : In accordance with Section 109A of the Act, the sole NCD holder or first NCD holder, along with other joint NCD holders (being individual(s)) may nominate any one person (being an individual) who, in the event of death of the sole holder or all the joint-holders, as the case may be, shall become entitled to the NCD. For further details please refer to the Prospectus. 9. Jurisdiction : Exclusive jurisdiction for the purpose of the Issue is with the competent courts of jurisdiction in Mumbai, India. 10. Application in the Issue : NCDs being issued through the Prospectus can be applied for in the dematerialised form only through a valid Application Form filled in by the applicant along with attachment, as applicable. 11. Period of Subscription : The subscription list shall remain open for a period as indicated below, with an option for early closure or extension by such period up to a period of 30 days from date of opening of the Issue, as may be decided by the duly authorised committee of the Board constituted by resolution of the Board dated July 25, 2011, subject to necessary approvals. In the event of such early closure of subscription list of the Issue, our Company shall ensure that notice of such early closure is given on or before the day of such early date of closure through advertisement/s in a leading national daily newspaper. ISSUE OPENS ON DECEMBER 22, 2011 ISSUE CLOSES ON JANUARY 07, 2012 12. Restriction on transfer of NCDs : There are no restrictions on transfers and transmission of NCDs and on their consolidation/ splitting except as may be required under RBI requirements and as provided in our Articles of Association. Please refer to the section titled Summary of the Key Provisions of the Articles of Association of the Prospectus. ISSUE STRUCTURE 13. Public Issue of NCDs aggregating upto ` 3,000 million with an option to retain over-subscription upto ` 3,000 million for issuance of additional NCDs aggregating to a total of upto ` 6,000 million. The key common terms and conditions of the NCDs are as follows:Particulars, Terms and Conditions - Minimum Application Size - ` 5,000 (5 NCDs) (for all options of NCDs, namely Options I, Option II, Option III, and Option IV either taken individually or collectively), Mode of allotment Compulsorily in dematerialised form, Terms of Payment Full amount on application, Trading Lot - 1 (one) NCD, Who can Apply - Category I Public Financial Institutions, Statutory Corporations, Commercial Banks, Co-operative Banks and Regional Rural Banks, which are authorised to invest in the NCDs; Provident Funds, Pension Funds, Superannuation Funds and Gratuity Fund, which are authorised to invest in the NCDs; Venture Capital funds registered with SEBI; Insurance Companies registered with the IRDA; National Investment Fund; and Mutual Funds;Category II Companies; bodies corporate and societies registered under the applicable laws in India and authorised to invest in the NCDs; Public/private charitable/religious trusts which are authorised to invest in the NCDs; Scientific and/or industrial research organisations, which are authorised to invest in the NCDs; Partnership firms in the name of the partners; and Limited liability partnerships formed and registered under the provisions of the Limited Liability Partnership Act, 2008 (No. 6 of 2009) Resident Indian individuals and Hindu Undivided Families through the Karta applying for NCDs aggregating to a value exceeding ` 500,000, across all series of NCDs, (Option I and/or Option II and/or Option III and/or Option IV)Category IIIResident Indian individuals and Hindu Undivided Families through the Karta applying for NCDs aggregating to a value not more than ` 500,000, across all series of NCDs, (Option I and/or Option II and/or Option III and/or Option IV) Participation by any of the above-mentioned investor classes in this Issue will be subject to applicable statutory and/or regulatory requirements. Applicants are advised to ensure that applications made by them do not exceed the investment limits or maximum number of NCDs that can be held by them under applicable statutory and/or regulatory provisions. In case of Application Form being submitted in joint names, the applicants should ensure that the de-mat account is also held in the same joint names, and the names are in the same sequence in which they appear in the Application Form. Applicants are advised to ensure that they have obtained the necessary statutory and/or regulatory permissions/consents/approvals in connection with applying for, subscribing to, or seeking allotment of NCDs pursuant to the Issue. For further details, please see section Issue Procedure of the Prospectus. TERMS AND CONDITIONS IN CONNECTION WITH THE NCDs 14. Common Terms of NCDs Stock Exchange proposed for listing of the NCDs : BSE, Issuance and Trading : Compulsorily in dematerialised form, Trading Lot : 1 (one) NCD, Depositories : NSDL and CDSL, Security : Security for the purpose of this Issue will be created in accordance with the terms of the Debenture Trust Deed. For further details please refer to the section titled Issue Structure of the Prospectus. Issue Schedule* The Issue shall be open from December 22, 2011to January 07, 2012 with an option to close earlier and/or extend upto a period as may be determined by a duly authorised committee of the Boardconstituted by resolution of the Board dated July 25, 2011. Pay-in date : 3 (Three) Business Days from the date of reciept of application or the date of realisation of the cheques/demand drafts, whichever is later. Deemed Date of Allotment : Deemed date of allotment shall be the date as decided by the duly authorised committee of the Board constituted by resolution of the Board dated July 25, 2011, and as mentioned on the Allotment Advice / regret. Day count basis : Actual/Actual 15. Interest and Payment of Interest A. Interest : In case of Option I NCDs, interest would be paid annually at the following Coupon Rate in connection with the relevant categories of NCD holders, on the amount outstanding from time to time, commencing from the Deemed Date of Allotment of each Option I NCD: Category of NCD Holder Coupon Rate (%) per annum Category I 13.00 Category II 13.00 Category III 13.00 Option I NCDs shall be redeemed at the Face Value thereof along with the interest accrued thereon, if any, at the end of 24 months from the Deemed Date of Allotment. In case of Option II NCDs, interest would be paid annually at the following Coupon Rate in connection with the relevant categories of NCD holders, on the amount outstanding from time to time, commencing from the Deemed Date of Allotment of each Option II NCD: Category of NCD Holder Coupon Rate (%) per annum Category I 13.25 Category II 13.25 Category III 13.25 Option II NCDs shall be redeemed at the Face Value thereof along with the interest accrued thereon, if any, at the end of 36 months from the Deemed Date of Allotment. In case of Option III NCDs, interest would be paid annually at the following Coupon Rate in connection with the relevant categories of NCD holders, on the amount outstanding from time to time, commencing from the Deemed Date of Allotment of each Option III NCD: Category of NCD Holder Coupon Rate (%) per annum Category I 13.25 Category II 13.25 Category III 13.25
4
Option III NCDs shall be redeemed at the Face Value thereof along with the interest accrued thereon, if any, at the end of 60 months from the Deemed Date of Allotment. Option IV NCDs shall be redeemed at ` 2,000 per NCD, at the end of 66 months from the Deemed Date of Allotment, with an effective yield of 13.43% per annum. If the date of interest payment falls on a Saturday, Sunday or a public holiday in Mumbai or any other payment centre notified in terms of the Negotiable Instruments Act, 1881, then interest as due and payable on such day, would be paid on the next working day. Payment of interest would be subject to the deduction as prescribed in the I.T. Act or any statutory modification or re-enactment thereof for the time being in force. Please note that in case the NCDs are transferred and/or transmitted in accordance with the provisions of thisProspectus read with the provisions of the Articles of Association of our Company, the transferee of such NCDs or the deceased holder of NCDs, as the case may be, shall be entitled to any interest which may have accrued on the NCDs subject to such Transferee holding the NCDs on the Record Date. As per clause (ix) of Section 193 of the I.T. Act, no tax is required to be withheld on any interest payable on any security issued by a company, where such security is in dematerialized form and is listed on a recognized stock exchange in India in accordance with the Securities Contracts (Regulation) Act, 1956 (42 of 1956) and the rules made thereunder. Accordingly, no tax will be deducted at source from the interest on listed NCDs held in the dematerialised form. However in case of NCDs held in physical form, as per the current provisions of the IT Act, tax will not be deducted at source from interest payable on such NCDs held by the investor (in case of resident individual NCD holders), if such interest does not exceed ` 2,500 in any financial year. If interest exceeds the prescribed limit of ` 2,500 on account of interest on the NCDs, then the tax will be deducted at applicable rate. However in case of NCD holders claiming non-deduction or lower deduction of tax at source, as the case may be, the NCD holder should furnish either (a) a declaration (in duplicate) in the prescribed form i.e. (i) Form 15H which can be given by individuals who are of the age of 60 years or more (ii) Form 15G which can be given by all applicants (other than companies, and firms), or (b) a certificate, from the Assessing Officer which can be obtained by all applicants (including companies and firms) by making an application in the prescribedform i.e. Form No.13. The aforesaid documents, as may be applicable, should be submitted at the office of the Registrar quoting the name of the sole/ first NCD holder, NCD folio number and the distinctive number(s) of the NCD held, atleast 7 (seven) days prior to the Record Date to ensure non-deduction/lower deduction of tax at source from interest on the NCD. The investors need to submit Form 15H/ 15G/certificate in original from Assessing Officer for each financial year during the currency of the NCD to ensure non-deduction or lower deduction of tax at source from interest on the NCD. B. Payment of Interest : For NCDs subscribed under Option I, Option II and Option III,the relevant interest will be paid on each anniversary of the Deemed Date of Allotment on the face value of NCD. For NCDs subscribed under Option IV, the interest will be paid cumulatively at the end of the Tenor. Amount of interest payable shall be rounded off to the nearest rupee. If the date of interest payment falls on a Saturday, Sunday or a public holiday in Mumbai or any other payment centre notified in terms of the Negotiable Instruments Act, 1881, then interest as due and payable on such day, would be paid on the next working day. Payment of interest would be subject to the deduction as prescribed in the I.T. Act or any statutory modification or re-enactment thereof for the time being in force.The last interest payment for NCDs subscribed under Option I, Option II and Option III will be made at the time of redemption of the NCD.Interest for each of the interest periods shall be calculated, on actual/actual basis, on the face value of principal outstanding on the NCDs at the applicable Coupon Rate for each Categoryrounded off to the nearest Rupee and same shall be paid annually. C. Payment of Interest to NCD Holders : Payment of Interest will be made to (i) in case of NCDs in dematerialised form, the persons who for the time being appear in theregister of beneficial owners of the NCD as per the Depository as on the Record Date and (ii) in case of NCDs in physical form, the persons whose names appear in the register of NCD holders (or to first holder in case of joint-holders) as on the Record Date. We may enter into an arrangement with one or more banks in one or more cities for direct credit of interest to the account of the investors. In such cases, interest, on the interest payment date, would be directly credited to the account of those investors who have given their bank mandate. We may offer the facility of NECS, NEFT, RTGS, Direct Credit and any other method permitted by RBI and SEBI from time to time to help NCD holders.The terms of this facility (including towns where this facility would be available) would be as prescribed by RBI. Refer to the paragraph on Manner of Payment of Interest / Refund / Redemption of the Prospectus. Tax exemption certificate/document, if any, must be lodged at the office of the Registrar at least 7(seven) days prior to the Record Date or as specifically required, failing which tax applicable on interest will be deducted at source on accrual thereof in our Companys books and/ or on payment thereof, in accordance with the provisions of the IT Act and/or any other statutory modification, enactment or notification as the case may be. A tax deduction certificate will be issued for the amount of tax so deducted. 16. Maturity and Redemption : For NCDs subscribed under Option I, Option II and Option III,the relevant interest will be paid on each anniversary of the Deemed Date of Allotment on the face value of NCD. The last interest payment will be made at the time of redemption of the NCD.For NCDs subscribed under Option IV, the interest will be paid cumulatively at the end of the Tenor. Options At the end of maturity period I 24 months from the Deemed Date of Allotment II 36 months from the Deemed Date of Allotment III 60 months from the Deemed Date of Allotment IV 66 months from the Deemed Date of Allotment 17. Deemed Date of Allotment : Deemed date of allotment shall be the date as decided by the duly authorised committee of the Board of Directors constituted by resolution of the Board datedJuly 25, 2011, under Section 292(1)(b) of the Act and as mentioned in the Allotment advice / regret. 18. Application Size : Each application should be for a minimum of 5 NCDs and multiples of 1 NCD thereof. The minimum application size for each application for NCDs would be ` 5,000 and in multiples of ` 1,000 thereafter. Applicants can apply for any or all options of NCDs offered hereunder (any/all options) using the same Application Form. Applicants are advised to ensure that applications made by them do not exceed the investment limits or maximum number of NCDs that can be held by them under applicable statutory and or regulatory provisions. 19. Terms of Payment : The entire issue price of ` 1,000 per NCD is payable on application itself. In case of allotment of lesser number of NCDs than the number of NCDs applied for, our Company shall refund the excess amount paid on application to the applicant in accordance with the terms of the Prospectus. For further details please refer to the paragraph on Interest on Application Money of the Prospectus. 20. Record Date : The Record Date for payment of interest in connection with the NCDs or repayment of principal in connection therewith shall be 15 (fifteen) days prior to the date on which interest is due and payable, and/or the date of redemption.Provided that trading in the NCDs shall remain suspended between the aforementioned record date in connection with redemption of NCDs and the date of redemption or as prescribed by the relevant stock exchange(s), as the case may be. 21. Manner of Payment of Interest / Refund / Redemption : The manner of payment of interest / refund / redemption in connection with the NCDs is set out below: For NCDs applied / held in electronic form : The bank details will be obtained from the Depositories for payment of Interest / refund / redemption as the case may be. Applicants who have applied for or are holding the NCDs in electronic form, are advised to immediately update their bank account details as appearing on the records of the depository participant. Please note that failure to do so could result in delays in credit of refunds to the applicant at the applicants sole risk, and neither the Lead Managers, Co-Lead Managers, our Company nor the Registrar to the Issue shall have any responsibility and undertake any liability for the same. For NCDs held in physical form : The bank details will be obtained from the Registrar to the Issue for payment of interest / refund / redemption as the case may be. 22. Printing of Bank Particulars on Interest Warrants : As a matter of precaution against possible fraudulent encashment of refund orders and interest/redemption warrants due to loss or misplacement, the particulars of the applicants bank account are mandatorily required to be given for printing on the orders/ warrants. In relation to NCDs applied and held in dematerialized form, these particulars would be taken directly from the depositories. In case of NCDs held in physical form either on account of rematerialisation or transfer, the investors are advised to submit their bank account details with our Company / Registrar at least 7 (seven) days prior to the Record Date failing which the orders / warrants will be dispatched to the postal address of the holder of the NCD as available in the records of our Company. Bank account particulars will be printed on the orders/ warrants which can then be deposited only in the account specified. 23. Loan against NCDs : Our Company, at its sole discretion, subject to applicable statutory and/or regulatory requirements, may consider granting of a loan facility to the holders of NCDs against the security of such NCDs. Such loans shall be subject to the terms and conditions as may be decided by our Company from time to time. 24. Buy Back of NCDs : Our Company may, at its sole discretion, from time to time, consider, subject to applicable statutory and/or regulatory requirements, buyback of NCDs, upon such terms and conditions as may be decided by our Company. 25. Form and Denomination : In case of NCDs held in physical form, a single certificate will be issued to the NCD holder for the aggregate amount (Consolidated Certificate) for each type of NCDs. The applicant can also request for the issue of NCD certificates in denomination of one NCD (Market Lot). It is however distinctly to be understood that the NCDs pursuant to this issue shall be issued only in demat form and Option IV NCDs can be held only in demat form for the tenor of the NCD. In respect of Consolidated Certificates, we will, only upon receipt of a request from the NCD holder, split such Consolidated Certificates into smaller denominations subject to the minimum of Market Lot. No fees would be charged for splitting of NCD certificates in Market Lots, but stamp duty payable, if any, would be borne by the NCD holder. The request for splitting should be accompanied by the original NCD certificate which would then be treated as cancelled by us. 26. Procedure for Redemption by NCD holders : The procedure for redemption is set out below: NCDs held in physical form: No action would ordinarily be required on the part of the NCD holder at the time of redemption and the redemption proceeds would be paid to those NCD holders whose names stand in the register of NCD holders maintained by us on the Record Date fixed for the purpose of Redemption.However, our Company may require that the NCD certificate(s), duly discharged by the sole holder/all the joint-holders (signed on the reverse of the NCD certificate(s)) be surrendered for redemption on maturity and should be sent by the NCD holder(s) by Registered Post with acknowledgment due or by hand delivery to our office or to such persons at such addresses as may be notified by us from time to time. NCD holder(s) may be requested to surrender the NCD certificate(s) in the manner as stated above, not more than three months and not less than one month prior to the redemption date so as to facilitate timely
payment. We may at our discretion redeem theNCDs without the requirement of surrendering of the NCD certificates by the holder(s) thereof. In case we decide to do so, the holders of NCDs need not submit the NCD certificates to us and the redemption proceeds would be paid to those NCD holders whose names stand in the register of NCD holders maintained by us on the Record Date fixed for the purpose of redemption of NCDs. In such case, the NCD certificates would be deemed to have been cancelled. Also see the para Payment on Redemption given below. NCDs held in electronic form: No action is required on the part of NCD holder(s) at the time of redemption of NCDs. 27. Payment on Redemption: The manner of payment of redemption is set out below: NCDs held in physical form: The payment on redemption of the NCDs will be made by way of cheque/pay order/ electronic modes. However, if our Company so requires, the aforementioned payment would only be made on the surrender of NCD certificate(s), duly discharged by the sole holder / all the jointholders (signed on the reverse of the NCD certificate(s)). Despatch of cheques/pay order, etc. in respect of such payment will be made on the Redemption Date or (if so requested by our Company in this regard) within a period of 30 days from the date of receipt of the duly discharged NCD certificate. In case we decide to do so, the redemption proceeds in the manner stated above would be paid on the Redemption Date to those NCD holders whose names stand in the register of NCD holders maintained by us on the Record Date fixed for the purpose of Redemption. Hence the transferees, if any, should ensure lodgement of the transfer documents with us at least 7 (seven) days prior to the Record Date. In case the transfer documents are not lodged with us at least 7 (seven) days prior to the Record Date and we dispatch the redemption proceeds to the transferor, claims in respect of the redemption proceeds should be settled amongst the parties inter se and no claim or action shall lie against us or the Registrars. Our liability to holder(s) towards his/their rights including for payment or otherwise shall stand extinguished from the redemption in all events and when we dispatch the redemption amounts to the NCD holder(s). Further, we will not be liable to pay any interest, income or compensation of any kind from the date of redemption of the NCD(s). NCDs held in electronic form: On the redemption date, redemption proceeds would be paid by cheque /pay order / electronic mode to those NCD holders whose names appear on the list of beneficial owners given by the Depositories to us. These names would be as per the Depositories records on the Record Date fixed for the purpose of redemption. These NCDs will be simultaneously extinguished to the extent of the amount redeemed through appropriate debit corporate action upon redemption of the corresponding value of the NCDs. It may be noted that in the entire process mentioned above, no action is required on the part of NCD holders. Our liability to NCD holder(s) towards his/their rights including for payment / redemption in all events and when we dispatch the redemption amounts to the NCD holder(s). Further, we will not be liable to pay any interest, income or compensation of any kind from the date of redemption of the NCD(s). 28. Redemption Date Option I NCDs will be redeemed at the expiry of 24 months from the Deemed Date of Allotment. Option II NCDs will be redeemed at the expiry of 36 months from the Deemed Date of Allotment. Option III NCDs will be redeemed at the expiry of 60 months from the Deemed Date of Allotment Option IV NCDs will be redeemed at the expiry of 66 months from the Deemed Date of Allotment. 29. Right to Reissue NCD(s) Subject to the provisions of the Act, where we have fully redeemed or repurchased any NCD(s), we shall have and shall be deemed always to have had the right to keep such NCDs in effect without extinguishment thereof, for the purpose of resale or reissue and in exercising such right, we shall have and be deemed always to have had the power to resell or reissue such NCDs either by reselling or reissuing the same NCDs or by issuing other NCDs in their place. The aforementioned right includes the right to reissue original NCDs. 30. Transfer/Transmission of NCD (s): For details please refer to the Prospectus. 31. Joint-holders : Where two or more persons are holders of any NCD(s), they shall be deemed to hold the same as joint holders with benefits of survivorship subject to other provisions contained in the Articles. 32. Security : The principal amount of the NCDs to be issued in terms of thisProspectus together with all interest due on the NCDs, as well as all costs, charges, all fees, remuneration of Debenture Trustee and expenses payable in respect thereof shall be secured by way of First pari passu charge on the identified immovable property and a first pari passu charge on current assets, book debts, loans and advances, and receivables including gold loan receivables, both present and future of the Company. Our Company will maintain security in favour of the Debenture Trustee for the NCD holders on the assets to ensure 100% security cover of the amount outstanding in respect of NCDs at any time. Our Company intends to enter into an agreement with the Debenture Trustee, (Debenture Trust Deed), the terms of which will govern the appointment of the Debenture Trustee and the issue of the NCDs. Our Company proposes to complete the execution of the Debenture Trust Deed during the subscription period after the minimum subscription for the Issue has been achieved and utilize the funds only after the stipulated security has been created. Under the terms of the Debenture Trust Deed, our Company will covenant with the Debenture Trustee that it will pay the NCD holders the principal amount on the NCDs on the relevant redemption date and also that it will pay the interest due on NCDs on the rate specified in the Prospectus and in the Debenture Trust Deed. The Debenture Trust Deed will also provide that our Company may withdraw any portion of the security and replace with another asset of the same or a higher value. 33. Trustees for the NCD holders : We have appointed IDBI Trusteeship Services Limited to act as the Debenture Trustees for the NCD holders.We and the Debenture Trustee will execute a Debenture Trust Deed, inter alia, specifying the powers, authorities and obligations of the Debenture Trustee and us. The NCD holder(s) shall, without further act or deed, be deemed to have irrevocably given their consent to the Debenture Trustee or any of its agents or authorised officials to do all such acts, deeds, matters and things in respect of or relating to the NCDs as the Debenture Trustee may in its absolute discretion deem necessary or require to be done in the interest of the NCD holder(s). Any payment made by us to the Debenture Trustee on behalf of the NCD holder(s) shall discharge us pro tanto to the NCD holder(s). The Debenture Trustee will protect the interest of the NCD holders in the event of default by us in regard to timely payment of interest and repayment of principal and they will take necessary action at our cost. 34. Lien : The Company shall have the right of set-off and lien, present as well as future on the moneys due and payable to the NCD holder or deposits held in the account of the NCD holder, whether in single name or joint name, to the extent of all outstanding dues by the NCD holder to the Company. 35. Lien on pledge of NCDs : The Company, at its discretion, may note a lien on pledge of NCDs if such pledge of NCD is accepted by any bank/institution for any loan provided to the NCD holder against pledge of such NCDs as part of the funding. 36. Interest on Application Money Interest on application monies received which are used towards allotment of NCDs Our Company shall pay interest on application money on the amount allotted, subject to deduction of income tax under the provisions of the Income Tax Act, 1961, as amended, as applicable, to any applicants to whom NCDs are allotted pursuant to the Issue from the date of realization of the cheque(s)/demand draft(s) or after 3 (three) days from the date of receipt of the application (being the date of presentation of each application as acknowledged by the Bankers to the Issue) whichever is later and upto one day prior to the Deemed Date of Allotment, at the rate of 8% p.a. Our Company has a right to pre-close the Issue at anytime up to 1 (one) day prior to Issue closing datefor receiving subscription in the Issue. Our Company shall in the event of such closing of the Issue, subject to receipt of a minimum subscription of 75 % of the Base Issue, i.e. ` 2,250 million, allot NCDs to all applicants who have applied for NCDs upto the date of such early closure of Issue. Further our Company shall pay interest on application money on the amount allotted, subject to deduction of income tax under the provisions of the Income Tax Act, 1961, as amended, as applicable, to any applicants to whom NCDs are allotted pursuant to the Issue from the date of realization of the cheque(s)/demand draft(s) or after 3 (three) days from the date of receipt of the application (being the date of presentation of each application as acknowledged by the Bankers to the Issue) whichever is later and upto one day prior to the Deemed Date of Allotment, at the rate of 8% p.a.However, it is clarified that in the event that our Company does not receive a minimum subscription of 75 % of the Base Issue, i.e. ` 2,250 million our Company will not allot any NCDs to applicants and refund the subscription amounts forthwith, as set out herein. The interest on application monies will be sent along with the Allotment Advice to all applicants to whom NCDs are allotted pursuant to the Issue.Our Company may enter into an arrangement with one or more banks in one or more cities for direct credit of interest to the account of the applicants. Alternatively, the interest warrant will be dispatched along with the Letter(s) of Allotment at the sole risk of the applicant, to the sole/first applicant. Interest on application monies received which are liable to be refunded : Our Company shall pay interest on application money which is liable to be refunded to the applicants in accordance with the provisions of the Debt Regulations and/or the Companies Act, or other applicable statutory and/or regulatory requirements, subject to deduction of income tax under the provisions of the Income Tax Act, 1961, as amended, as applicable, from the date of realization of the cheque(s)/demand draft(s) or after 3 (three) days from the date of receipt of the application (being the date of presentation of each application as acknowledged by the Bankers to the Issue) whichever is later and upto one day prior to the Deemed Date of Allotment, at the rate of 8%per annum. Such interest shall be paid along with the monies liable to be refunded. Interest warrant will be dispatched / credited (in case of electronic payment) along with the Letter(s) of Refund at the sole risk of the applicant, to the sole/first applicant. In the event our Company does not receive a minimum subscription of 75 % of the Base Issue, i.e. ` 2,250million on the date of closure of the Issue, our Company shall pay interest on application money which is liable to be refunded to the applicants in accordance with the provisions of the Debt Regulations and/or the Companies Act, or other applicable statutory and/or regulatory requirements, subject to deduction of income tax under the provisions of the Income Tax Act, 1961, as amended, as applicable, from the date of realization of the cheque(s)/demand draft(s) or 3 (three) days from the date of receipt of the application (being the date of presentation of each application to the Bankers to the Issue as acknowledgedor the date of receipt of application by the Registrar to the Issue, as the case may be) whichever is later and upto the date of closure of the Issueat the rate of 8% per annum. Such interest shall be paid along with the monies liable to be refunded. Provided that, notwithstanding anything contained hereinabove, our Company shall not be liable to pay any interest on monies liable to be refunded in case of (a) invalid applications or applications liable to be rejected, and/or (b) applications which are withdrawn by the applicant. Please refer to Rejection of Application of the Prospectus. ISSUE PROCEDURE 37. How to Apply? - i. Availability of Prospectus and Application Forms : The abridged Prospectus containing the salient features of the Prospectus together with Application Forms and copies of the Prospectus may be obtained from our Registered Office, Lead Manager(s)/Co-Lead Managers to the Issue, and the Registrar to the Issue, as mentioned on the Application Form. In addition, Application Forms would also be made available to the BSE Limitedwhere listing of the NCDs are sought and to brokers, on their request. We may provide Application Forms for being filled and downloaded at such websites as we may deem fit. ii. Who can Apply : The following categories of persons are eligible to apply in the Issue: Category I Public Financial Institutions, Statutory Corporations, Commercial Banks, Co-operative Banks and Regional Rural Banks, which are authorised to invest in the NCDs;
FOR FURTHER DETAILS, PLEASE REFER TO THE PROSPECTUS ISSUE MANAGEMENT TEAM LEAD MANAGERS
ICICI SECURITIES LIMITED H.T. Parekh Marg, Churchgate Mumbai 400 020, India Tel: (91 22) 2288 2460 Fax: (91 22) 2282 6580 Email: muthootfin.bonds@icicisecurities.com Investor Grievance Email: customercare@icicisecurities.com Website: www.icicisecurities.com Contact Person: Manvendra Tiwari/Bhavin Vakil SEBI Registration No.: INM000011179 A.K. CAPITAL SERVICES LIMITED 30-39, Free Press House, Free Press Journal Marg 215 Nariman Point, Mumbai 400 021, India Tel: (91 22) 6754 6500/6634 9300 Fax: (91 22) 6610 0594 E-mail: dipomfinance@akgroup.co.in Investor Grievance Email: investor.grievance@akgroup.co.in Website: www.akcapindia.com Contact Person: Hitesh Shah SEBI Registration Number: INM000010411
LEAD MANAGERS
HDFC BANK LIMITED Investment Banking Division Trade World A Wing, 1st Floor, Kamala Mills Senapati Bapat Marg, Lower Parel (W) Mumbai 400 013, India Tel: (91 22) 4080 4108 Fax: (91 22) 4080 4114 Email: paresh.soni@hdfcbank.com Investor Grievance Email: investor.redressal@hdfcbank.com Website: www.hdfcbank.com Contact Person: Paresh Soni SEBI Registration No.: INM000011252
CO-LEAD MANAGERS
KARVY INVESTOR SERVICES LIMITED Hallmark Plaza, 7th Floor, Sant Dyaneshwar Marg Bandra (E), Mumbai 400 051 Tel : (91 22) 6149 1500 Fax: (91 22) 6149 1515 Email: muthootncdissue@karvy.com Investor Grievance Email: cmg@karvy.com Website: www.karvy.com Contact Person : Lokesh Singhi SEBI Registration No.: INM000008365
RR INVESTORS CAPITAL SERVICES (P) LIMITED 133A, Mittal Tower, A- Wing Nariman Point Mumbai 400 021, India Tel : (91 22) 2288 6627/28 Fax: (91 22) 2285 1925 Email: muthootncd@rrfcl.com Investor Grievance Email: investors@rrfcl.com Website: www.rrfcl.com Contact Person : Brahmdutta Singh SEBI Registration No.: INM000007508
SMC CAPITALS LIMITED 3rd Floor, A Wing, Laxmi Tower Bandra Kurla Complex, Bandra East Mumbai 400 051, India. Tel: (91 22) 61383838 Fax: (91 22)61383899 Email: muthoot.ncd@smccapitals.com Investor Grievance Email: investor.grievance@smccapitals .com Website: www.smccapitals.com Contact Person: Sanjeev Barnwal SEBI Registration No.: MB/INM000011427
LINK INTIME INDIA PRIVATE LIMITED C-13, Pannalal Silk Mills Compound, L.B.S. Marg, Bhandup (West), Mumbai 400 078, India Tel: (91 22) 2596 0320 Fax: (91 22) 2596 0329 Toll Free: 1-800-22-0320Email: mfl.ipo@linkintime.co.in Investor Grievance Email: mfl.ipo@linkintime.co.in Website: www.linkintime.co.in Contact Person: Sachin Achar SEBI Registration No.: INR000004058
RISK FACTORS
Prospective investors should carefully consider the risks and uncertainties described below, in addition to the other information contained in the Prospectus before making any investment decision relating to the NCDs. If any of the following risks or other risks that are not currently known or are now deemed immaterial, actually occur, our business, financial condition and result of operation could suffer, the trading price of the NCDs could decline and you may lose all or part of your interest and / or redemption amounts. Unless otherwise stated in the relevant risk factors set forth below, we are not in a position to specify or quantify the financial or other implications of any of the risks mentioned herein. The ordering of the risk factors is intended to facilitate ease of reading and reference and does not in any manner indicate the importance of one risk factor over another. The Prospectus contains forward looking statements that involve risk and uncertainties. Our Companys actual results could differ materially from those anticipated in these forward looking statements as a result of several factors, including the considerations described below and elsewhere in the Prospectus. Investors are advised to read the following risk factors carefully before making an investment in the NCDs offered in this Issue. You must rely on your own examination of our Company and this Issue, including the risks and uncertainties involved. INTERNAL RISK FACTORS Risks relating to our Business & Company 1. We and our Directors are involved in certain legal and other proceedings that if determined against us, could have a material adverse effect on our financial condition and results of operations. : Our Company and our Directors are defendants in legal proceedings. These legal proceedings are pending at different levels of adjudication before various levels of adjudication before various courts and tribunals. The amounts claimed in these proceedings have been disclosed to the extent ascertainable, excluding contingent liabilities and include amounts claimed jointly and severally from us and other parties. Should any new developments arise, such as any change in applicable Indian law or any rulings against us by appellate courts or tribunals, we may need to make provisions in our financial statements that could increase expenses and current liabilities.Any adverse decision may have an adverse effect on our business, results of operations and financial condition. For further details, see section titled Pending proceedings and statutory defaults of the Prospectus. 2. The Muthoot logo and other combination marks are proposed to be registered in the name of our Promoters.If we are unable to use the trademarks and logos, our results of operations may be adversely affected. : The brand and trademark Muthoot, as also related marks and associated logos (Muthoot Trademarks) are currently registered in the name of our Company.We believe that the Muthoot Trademarks are important for our business. Our Company proposes to register the Muthoot Trademarks jointly in the name of our Promoters through a rectification process or irrevocably grant ownership rights by alternate, legally compliant means. Pursuant to applications filed on September 20, 2010 by our Company and our Promoters before the Trade Marks Registry, Chennai, our Promoters have stated that their father, Late Mr. M. George Muthoot, had adopted and had been using the Muthoot Trademarks since 1939 and that our Promoters had, since the demise of Late Mr. M. George Muthoot, been continuing his business and using the Muthoot Trademarks as its joint proprietors. Our Company has confirmed that our Company has, since incorporation, been using the Muthoot Trademarks as per an implied user permission granted by our Promoters and that the application for registration of the Muthoot Trademarks in the name of our Company was filed through inadvertence.Consequently, an application has been made to Trade Marks Registry, Chennai, to effect a rectification in the Register of Trademarks. Since a rectification process (by application before the Trade Marks Registry, Chennai as mentioned above) is underway, and not an assignment of the Muthoot Trademarks, no independent valuation of the Muthoot Trademarks has been conducted. It is proposed that consequent to such rectification, the Promoters will grant our Company a non-exclusive licence to use the Muthoot Trademarks for an annual royalty equivalent to 1% of the gross income of our Company, subject to a maximum of 3% of profit before tax (after charging the royalty) and managerial remuneration payable by our Company each financial year. Subject to certain other conditions, it is proposed that this licence would continue until such time that our Promoters, together with the Promoter Group, jointly cease to hold at least 50.01% of the paid-up equity share capital of our Company. Since the rectification is yet to be effected and consequently, no licence has been granted to us as of date, we cannot assure you that we will be able to obtain a licence to use the Muthoot Trademarks, when registered, from our Promoters on commercially acceptable terms, or at all. In addition, loss of the rights to use the Muthoot Trademarks may affect our reputation, goodwill, business and our results of operations. 3. Our business requires substantial capital, and any disruption in funding sources would have a material adverse effect on our liquidity and financial condition. : Our liquidity and ongoing profitability are, in large part, dependent upon our timely access to, and the costs associated with, raising capital. Our funding requirements historically have been met from a combination of borrowings such as working capital limits from banks and selling of our loan portfolio to other lenders such as banks, and issuance of commercial paper, non-convertible debentures and equity. Thus, our business depends and will continue to depend on our ability to access diversified low-cost funding sources. The crisis in the global credit market that began in mid 2007destabilised the prevailing lending model by banks and financial institutions. These adverse conditions reached unprecedented levels through 2008. The capital and lending markets remained highly volatile and access to liquidity had been significantly reduced. These conditions had resulted in increased borrowing costs and difficulty in accessing debt in a cost-effective manner. In addition, it became more difficult to renew loans and facilities as many potential lenders and counterparties also faced liquidity and capital concerns as a result of the stress in the financial markets. Moreover, we are a systemically important non-deposit accepting NBFC, and do not have access to deposits. We are also restricted from inviting interest in our secured non-convertible debentures which are issued on a private placement basis, by advertising to the public. We also face significant maturities of unsecured debt each year. ` 24,015.8 million of our outstanding unsecured debt as on September 30, 2011 matures during the current fiscal year ending March 31, 2012.In order to retire these instruments, we either will need to refinance this debt, which could be difficult in the event of case of volatility in the credit markets, or raise equity capital or generate sufficient cash to retire the debt. 4. Our financial performance is particularly vulnerable to interest rate risk. : Over the last several years, the Government of India has substantially deregulated the financial sector. As a result, interest rates are now primarily determined by the market, which has increased the interest rate risk exposure of all banks and financial intermediaries in India, including us. Our results of operations are substantially dependent upon the level of our net interest margins. Interest rates are sensitive to many factors beyond our control, including the RBIs monetary policies, domestic and international economic and political conditions and other factors. Our policy is to attempt to balance the proportion of our interestearning assets, which bear fixed interest rates, with interest-bearing liabilities. A majority of our liabilities, such as our secured non-convertible debentures, subordinated debt and short term loans carry fixed rates of interest and the remaining are linked to the respective banks benchmark prime lending rate/base rate. As of September 30, 2011, 55.76% of our borrowings were at fixed rates of interest, comprising primarily our privately placed secured non-convertible redeemable debentures, which constituted 29.21% of our total indebtedness as of September 30, 2011. However, there can be no assurance that we will be able to adequately manage our interest rate risk in the future and be able to effectively balance the proportion of our fixed rate loan assets and liabilities in the future. Further, despite this balancing, changes in interest rates could affect the interest rates charged on interest-earning assets and the interest rates paid on interest-bearing liabilities in different ways. Thus, our results of operations could be affected by changes in interest rates and the timing of any repricing of our liabilities compared with the re-pricing of our assets. Furthermore, we are exposed to greater interest rate risk than banks or deposit-taking NBFCs. In a rising interest rate environment, if the yield on our interest-earning assets does not increase at the same time or to the same extent as our cost of funds, or, in a declining interest rate environment, if our cost of funds does not decline at the same time or to the same extent as the yield on our interest-earning assets, our net interest income and net interest margin would be adversely impacted. Additional risks arising from increasing interest rates include: reductions in the volume of loans as a result of customers inability to service high interest rate payments; and reductions in the value of fixed income securities held in our investment portfolio. There can be no assurance that we will be able to adequately manage our interest rate risk in the future and, if we are unable to do so, this would have an adverse effect on our net interest margin. 5. We may not be able to recover the full loan amount, and the value of the collateral may not be sufficient to cover the outstanding amounts due under defaulted loans. : We extend loans secured by gold jewellery provided as collateral by the customer. An economic downturn or sharp downward movement in the price of gold could result in a fall in collateral values. In the event of any decrease in the price of gold, customers may not repay their loans and the collateral gold jewellery securing the loans may have decreased significantly in value, resulting in losses which we may not be able to support. Although we use a technology-based risk management system and follow strict internal risk management guidelines on portfolio monitoring, which include periodic assessment of loan to security value on the basis of conservative market price levels, limits on the amount of margin, ageing analysis and pre-determined loan closure call thresholds, no assurance can be given that if the price of gold decreased significantly, our financial condition and results of operations would not be adversely affected. The impact on our financial position and results of operations of a hypothetical decrease in gold values cannot be reasonably estimated because the market and competitive response to changes in gold values is not pre-determinable. For further details please refer to the Prospectus.
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6.We face increasing competition in our business which may result in declining margins if we are unable to compete effectively. : Our principal business is the provision of personal loans to retail customers in India secured by gold jewellery as collateral. Historically, the Gold Loan industry in India has been largely unorganised and dominated by local jewellery pawn shops and money lenders, with very few public sector and old generation private sector banks focusing on this sector. Attractive interest rates relative to risk together with increased demand for access to capital from middle income group, previously availed predominantly by lower income group customers with limited access to other forms of borrowings, have increased our exposure to competition. The demand for Gold Loans has also increased due to relatively lower and affordable interest rates, increased need for urgent borrowing or bridge financing requirements and the need for liquidity for assets held in gold and also due to increased awareness among customers of Gold Loans as a source of quick access to funds. All of these factors have resulted in us facing increased competition from other lenders in the Gold Loan industry, including commercial banks and other NBFCs. Unlike commercial banks or deposit-taking NBFCs, we do not have access to funding from savings and current deposits of customers. Instead, we are reliant on higher-cost term loans and debentures for our funding requirements, which may reduce our margins compared to competitors. Our ability to compete effectively with commercial banks or deposit-taking NBFCs will depend, to some extent, on our ability to raise low-cost funding in the future. If we are unable to compete effectively with other participants in the Gold Loan industry, our business, future financial performance and the trading price of the NCDs and Equity Shares may be adversely affected. Furthermore, as a result of increased competition in the Gold Loan industry, Gold Loans are becoming increasingly standardised and variable interest rate and payment terms and waiver of processing fees are becoming increasingly common in the Gold Loan industry in India. There can be no assurance that we will be able to react effectively to these or other market developments or compete effectively with new and existing players in the increasingly competitive Gold Loans industry. Increasing competition may have an adverse effect on our net interest margin and other income, and, if we are unable to compete successfully, our market share may decline as the origination of new loans declines. 7. We have certain contingent liabilities which may adversely affect our financial condition. As per the audited financial statements of the Company for the period ended September 30, 2011 we had certain contingent liabilities not provided for, amounting to ` 3,229.38 million.The contingent liability amounts disclosed in our audited financial statements represent estimates and assumptions of our management based on advice received. 8. We may not be able to successfully sustain our growth strategy. In recent periods, we have experienced substantial growth. Our net profit as per the audited financial statements of the Company, in fiscals 2008, 2009, 2010 and 2011 and for the period ended September 30, 2011 was ` 630.7 million ` 978.7 million, ` 2,285.2 million and ` 4,941.76 million, and ` 4,060.1 million respectively. Our gross retail loans outstanding grew year on year by 120.78% to ` 74,381.5 million as of March 31, 2010, and by 113.34% to ` 158,684.5 million as of March 31, 2011 from ` 74,381.5 million as of March 31, 2010. Our gross retail loans outstanding grew by by 31.96% to ` 209,404.9 million during the six months ended September 30, 2011 from ` 158,684.5 million as of March 31, 2011.Our growth strategy includes growing our loan book and expanding the range of products and services offered to our customers and expanding our branch network. There can be no assurance that we will be able to sustain our growth strategy successfully, or continue to achieve or grow the levels of net profit earned in recent years, or that we will be able to expand further or diversify our loan book. Furthermore, there may not be sufficient demand for such products, or they may not generate sufficient revenues relative to the costs associated with offering such products and services. Even if we were able to introduce new products and services successfully, there can be no assurance that we will be able to achieve our intended return on such investments. If we grow our loan book too rapidly or fail to make proper assessments of credit risks associated with borrowers, a higher percentage of our loans may become non-performing, which would have a negative impact on the quality of our assets and our financial condition. We also face a number of operational risks in executing our growth strategy. We have experienced rapid growth in our Gold Loan business and our branch network also has expanded significantly, and it is entering into new, smaller towns and cities within India as part of our growth strategy. Our rapid growth exposes us to a wide range of increased risks within India, including business risks, such as the possibility that our number of impaired loans may grow faster than anticipated, and operational risks, fraud risks and regulatory and legal risks. Moreover, our ability to sustain our rate of growth depends significantly upon our ability to manage key issues such as selecting and retaining key managerial personnel, maintaining effective risk management policies, continuing to offer products which are relevant to our target base of customers, developing managerial experience to address emerging challenges and ensuring a high standard of customer service. For further details please refer to the Prospectus. 9. We may not be in compliance with relevant state money lending laws, which could adversely affect our business. There is ambiguity on whether or not NBFCs are required to comply with the provisions of state money lending laws that establish ceilings on interest rates. As of September 20, 2009, our Company has been specifically exempted from the provisions of the Money Lenders Act in Karnataka, Andhra Pradesh and there is a blanket exemption for all NBFCs in Rajasthan. Further, we have also received show cause notices from certain Government authorities in relation to compliance with relevant money lending statutes in relation to our operations in the states of Gujarat, Kerala, Karnataka and Andhra Pradesh. We also carry out operations in other states such as Tamil Nadu, Madhya Pradesh, and Maharashtra, where there are money lending statutes in operation. In addition, in the event the provisions of any state specific regulations are extended to NBFCs in the gold loan business such as our Company, we could have increased costs of compliance and our business and operations could be adversely affected. For further details, see Pending proceedings and Statutory Defaults of the Prospectus. There are severe civil and criminal penalties for non-compliance with the relevant money lending statutes. In the event that the government of any state in India requires us to comply with the provisions of their respective state money lending laws, or imposes any penalty against us, our Directors or our officers, including for prior non-compliance, our business, results of operations and financial condition may be adversely affected. 10. A major part of our branch network is concentrated in southern India and any disruption or downturn in the economy of the region would adversely affect our operations. As of September 30, 2011, 2,114 out of our 3,274 branches are located in the southern states of Tamil Nadu (704 branches), Kerala (667 branches), Andhra Pradesh (430 branches), Karnataka (305 branches) and Union Territory of Pondicherry (8 branches). Any disruption, disturbance or breakdown in the economy of southern India could adversely affect the result of our business and operations. As of September 30, 2011, the southern Indian states of Tamil Nadu, Kerala, Andhra Pradesh, Karnataka and the Union Territory of Pondicherry constituted 71.4% of our total Gold Loan portfolio. Our concentration in southern India exposes us to adverse economic or political circumstances that may arise in that region as compared to other NBFCs and commercial banks that have diversified national presence. If there is a sustained downturn in the economy of south India, our financial position may be adversely affected. 11. Our indebtedness and the conditions and restrictions imposed by our financing agreements could restrict our ability to conduct our business and operations in the manner we desire. As per our audited financial statements, as of March 31, 2011 and the audited financial statements for the period ended September 30, 2011, we had outstanding debt of ` 172,567.9 million. We may incur additional indebtedness in the future. Our indebtedness could have several important consequences, including but not limited to the following: a portion of our cash flow may be used towards repayment of our existing debt, which will reduce the availability of our cash flow to fund our capital adequacy requirements, working capital, capital expenditures, acquisitions and other general corporate requirements; our ability to obtain additional financing in the future at reasonable terms may be restricted or our cost of borrowings may increase due to sudden adverse market conditions, including decreased availability of credit or fluctuations in interest rates, particularly because a significant proportion of our financing arrangements are in the form of borrowings from banks.; fluctuations in market interest rates may affect the cost of our borrowings, as some of our indebtedness are at variable interest rates; there could be a material adverse effect on our business, financial condition and results of operations if we are unable to service our indebtedness or otherwise comply with financial and other covenants specified in the financing agreements; and we may be more vulnerable to economic downturns, may be limited in our ability to withstand competitive pressures and may have reduced flexibility in responding to changing business, regulatory and economic conditions.Some of our financing agreements also include various conditions and covenants that require us to obtain lender consents prior to carrying out certain activities and entering into certain transactions. Failure to meet these conditions or obtain these consents could have significant consequences on our business and operations. Specifically, we may require, and may be unable to obtain, lender consents to incur additional debt, issue equity, change our capital structure, declare dividend, increase or modify our capital expenditure plans, undertake any expansion, provide additional guarantees, change our management structure, merge with or acquire other companies, or amend its charter documents, whether or not there is any failure by us to comply with the other terms of such agreements. Any failure to comply with the requirement to obtain a consent, or other condition or covenant under our financing agreements that is not waived by our lenders or is not otherwise cured by us, may lead to a termination of our credit facilities, acceleration of all amounts due under such facilities and trigger cross default provisions under certain of our other financing agreements, and may adversely affect our ability to conduct our business and operations or implement our business plans.
Moreover, certain of our loans may be recalled by our lenders at any time.If any of these lenders recall its loans, our cash position, business and operations may be negatively affected. 12. Our loan agreements contain restrictive covenants that may affect our business and operations, some of which we are currently in breach of or have breached in the past. The loan agreements that we have entered into with certain banks and financial institutions contain restrictive covenants, which among other things require us to obtain prior permission of such banks or financial institutions or to inform them with respect to various activities, including, alteration of our capital structure, changes in management, raising of fresh capital or debt, payment of dividend, undertaking new projects, or undertaking any merger or amalgamation, invest by way of share capital or lend to other companies, undertaking guarantee obligations on behalf of other companies, and creation of further charge on fixed assets.Additionally, certain loan agreements require us to meet and maintain prescribed financial ratios.Further, under these loan agreements during the subsistence of the facility, the lender has a right to appoint a nominee director on our Board from time to time.Furthermore, some of our financing arrangements contain cross default provisions which could automatically trigger defaults under other financing arrangements, in turn magnifying the effect of an individual default. Although we attempt to maintain compliance with our covenants or obtain prospective waivers where possible, we cannot assure you that we will be continuously compliant. We have breached in the past, and are currently in breach of, certain covenants under these loan agreements and other financing arrangements.For example, with respect to the execution of the Baring Investment Agreement, Kotak Investment Agreement, Matrix Investment Agreement and Wellcome Investment Agreement and the consequent alteration of our capital structure, we did not obtain a prior written permission from certain banks and financial institutions.Although no bank or financial institution has issued a notice of default to us, if we are held to be in breach of any financial or other covenants contained in any of our financing arrangements, we may be required to immediately repay our borrowings either in whole or in part, together with any related costs, and because of such defaults we may be unable to find additional sources of financing.If any of these events were to occur, it would likely result in a material adverse effect on our financial condition and results of operations or even our ability to continue as a going concern. 13. All of the Gold Loans we offer are due within one year of disbursement, and a failure to disburse new loans may result in a reduction of our loan portfolio and a corresponding decrease in our interest income. All of the Gold Loans we offer are due within one year of disbursement. The relatively short-term nature of our loans means that our long-term interest income stream is less certain than if a portion of our loans were for a longer term. In addition, our existing customers may not obtain new loans from us upon maturity of their existing loans, particularly if competition increases. The potential instability of our interest income could materially and adversely affect our results of operations and financial position. 14. We have entered into assignment agreements to sell certain loans from our outstanding loan portfolio. If such assignment of loans is held to be unenforceable under applicable law, it could have a material adverse effect on our business, financial condition and results of operations. From time to time we sell and assign a group of similar loans from our outstanding loan portfolio to financial institutions in return for an upfront fixed consideration. As per our audited financial statements, the period ended September 30, 2011 the outstanding portfolio of assigned loans was ` 25,875.0 million constituting 12.36% of the gross retail loan portfolio. As a part of such transactions, we provide credit enhancement through fixed deposits with banks or issue corporate guarantees to the purchaser for an amount equal to a negotiated percentage of the value of the loans being assigned. The loan assignment agreements contain certain representations and warranties made by us regarding the assigned loans, which, if breached could result in additional costs and expenses to us. In the event that one or more of the asset assignment agreements entered into by us are held by a court of law or declared by a statute as unenforceable, we may be required to terminate these assignment agreements and may suffer losses. In addition, if such assignments of loans are sought to be regulated, it could adversely affect our ability to raise resources through the loan assignment route. Such events may adversely affect our business, financial condition and results of our operations and our ability to assign our loans. 15. Our business could be adversely affected if we are not able to control or reduce the level of non-performing assets in our portfolio. We may not be successful in our efforts to improve collections and/or enforce the security interest on the gold collateral on existing as well as future non-performing assets. Moreover, as our loan portfolio matures, we may experience greater defaults in principal and/or interest repayments. Thus, if we are not able to control or reduce our level of non-performing assets, the overall quality of our loan portfolio may deteriorate and our results of operations may be adversely affected. As per our audited financial statements, our gross NPAs as of year ended March 31, 2008, 2009, 2010, 2011 and the period ended September 30, 2011were` 92.6 million, ` 161.1 million ` 343.6 million,` 460.1 million, and ` 1,233.2 million respectively. For further details on our non-performing assets please refer the sub-section titled Non-performing Assets of the Prospectus. The Non-Banking Financial (Non-Deposit Accepting or Holding) Companies Prudential Norms (Reserve Bank) Directions, 2007 prescribe the provisioning required in respect of our outstanding loan portfolio. Should the overall credit quality of our loan portfolio deteriorate, the current level of our provisions may not be adequate to cover further increases in the amount of our nonperforming assets. Furthermore, although we believe that our total provision will be adequate to cover all known losses in our asset portfolio, our current provisions may not be adequate when compared to the loan portfolios of other financial institutions. Moreover, there also can be no assurance that there will be no further deterioration in our provisioning coverage as a percentage of gross non-performing assets or otherwise, or that the percentage of non-performing assets that we will be able to recover will be similar to our past experience of recoveries of non-performing assets. In the event of any further increase in our non-performing asset portfolio, there could be an even greater, adverse impact on our results of operations.
For further details please refer to the Prospectus.
16. We face difficulties in carrying out credit risk analyses on our customers, most of whom are individual borrowers Unlike several developed economies, a nationwide credit bureau has only recently become operational in India, so there is less financial information available about individuals, particularly our focus customer segment from the low to middle income group who typically have limited access to other financing sources. It is therefore difficult to carry out precise credit risk analyses on our customers. Although we follow certain know-your-customer procedures at the time of sanctioning a loan, we generally rely on the quality of the gold jewellery provided as collateral rather than on a stringent analysis of the credit profile of our customers. Although we believe that our risk management controls are sufficient, we cannot be certain that they will continue to be sufficient or that additional risk management policies for individual borrowers will not be required. Failure to maintain sufficient credit assessment policies, particularly for individual borrowers, could adversely affect our credit portfolio which could have a material and adverse effect on our results of operations and financial condition. 17. Our customer base comprises mostly individual borrowers, who generally are more likely to be affected by declining economic conditions than large corporate borrowers. Individual borrowers generally are less financially resilient than large corporate borrowers, and, as a result, they can be more adversely affected by declining economic conditions. In addition, a significant majority of our customer base belongs to the low to middle income group, who may be more likely to be affected by declining economic conditions than large corporate borrowers. 18. Because we handle high volume of cash and gold jewellery in a dispersed network of branches, we are exposed to operational risks, including employee negligence, fraud, petty theft, burglary and embezzlement, which could harm our results of operations and financial position. As per our audited financial statements, as of September 30, 2011, we held cash balance of ` 1,134.5 million and gold jewellery of 129.5 tons. Our business involves carrying out cash and gold jewellery transactions that expose us to the risk of fraud by employees, agents, customers or third parties, theft, burglary, and misappropriation or unauthorised transactions by our employees.Our insurance policies, security systems and measures undertaken to detect and prevent these risks may not be sufficient to prevent or detect such activities in all cases, which may adversely affect our operations and profitability.Further, we may be subject to regulatory or other proceedings in connection with any unauthorised transaction, fraud or misappropriation by our representatives and employees, which could adversely affect our goodwill.The nature and size of the items provided as collateral allow these items to be misplaced or mis-delivered, which may have a negative impact on our operations and result in losses.For example, (i) in 2008 and 2009, we encountered two instances of staff fraud at our Millerganj, Punjab and Sakthikulangara, Kerala branches, where 497 packets of gold (pledged against a loan amount of ` 16,127,480) and ` 500,000 in cash were stolen by our employees, (ii) in 2009, gold ornaments pledged by two of our customers at our branches at Pettah, Trivandrum, and Thenkassi Old Bus Stand, Tamil Nadu, against loan amounts of ` 144,000 and ` 27,000, respectively, were reported to be stolen goods and seized by the police, and (iii) in 2009, in two separate cases, 87 grams of spurious gold and 604 grams of spurious gold were pledged, against loan amounts of ` 93,500 and` 578,500, respectively, with our branches at Trichur West Fort, Kerala and Lajpat Nagar, New Delhi, respectively. 19. A decline in our capital adequacy ratio could restrict our future business growth. As per the revised norms of RBI, from March 31, 2011, we are required to maintain a capital adequacy ratio of at least 15% of our risk-weighted assets. Our capital adequacy ratio was 18.24% as of September 30, 2011, with Tier I capital comprising 13.48%. If we continue to grow our loan portfolio and
November 29, 2011 and [ICRA] AA-/Stable by ICRA for an amount of upto ` 6,000.00 million vide its letter dated November 29, 2011. The rating of the NCDs by CRISIL and ICRA indicates high degree of safety regarding timely servicing of obligations and carry very low credit risk. The ratings provided by CRISILand ICRAmay be suspended, withdrawn or revised at any time by the assigning rating agency and should be evaluated independently of any other rating. These ratings are not a recommendation to buy, sell or hold securities and investors should take their own decisions. Please refer the Prospectus for rating letter and rationale for the above rating. 62. Securities on our NCDs rank as firstparipassu with our Companys secured indebtedness Substantially all of our Companys current assets represented mainly by Gold Loan receivables are being used to secure our Companys debt.As at September 30, 2011 our Companys secured debt was ` 134,850 million. Securities on our NCDs will rank pari passu with any of our Companys secured obligations with respect to the assets that secure such obligations. The terms of the NCDs do not prevent our Company from incurring additional debt. In addition, the NCDs will rank pari passu to the existing and future indebtedness and other secured liabilities and obligations of our Company. 63. Security provided for the Issue may not be enforceable We have certain proceedings pending under the IT Act before the Income Tax Appellate Tribunal. Under Section 281 of the IT Act and circular bearing number 04/2011 dated July 19, 2011, our Company is required to obtain prior consent of the assessing officer to create the Security provided for the Issue to the extent classified as assets under Section 281 of the IT Act, during the pendency of such proceedings. We have made an application to the relevant assessing officer seeking such prior consent on December 15, 2011. In the event that such consent is not granted, the Security provided for the Issue to the extent classified as Assets under Section 281 of the IT Act will be void as against any claim in respect of any tax or any other sum payable by the Company, including as a result of the completion of these proceedings. Risks relating to the NCDs 64. The fund requirement and deployment mentioned in the Objects of the Issue
and Chairman Director Identification Number: 00018201 George Thomas Muthoot Age: 60 Whole Time Director Director Identification Number: 00018281 George Jacob Muthoot Age: 59 Designation: Whole Time Director Directors Identification Number: 00018235 George Alexander Muthoot Age: 56 Managing Director Director Identification Number: 00016787 P. George Varghese Age: 62 Independent Director Directors Identification Number: 00317319 K. John Mathew Age: 78 Independent Director Directors Identification Number: 00371128 John K. Paul Age: 57 Independent Director Director Identification Number: 00016513 George Joseph Age: 61 Independent Director Director Identification Number: 00253754. For further details please refer to the Prospectus. OUR PROMOTER Profile of our Promoters: The following individuals are the Promoters of the Company: 1. M.G. George Muthoot; 2. George Thomas Muthoot; 3. George Jacob Muthoot; and 4. George Alexander Muthoot; For additional details on the age, background, personal address, educational qualifications, experience, experience in the business of the Company, positions/posts held in the past, terms of appointment as Directors and other directorships of our Promoters, see section titled "Our Management" of the Prospectus. SUMMARY FINANCIAL INFORMATION The following tables present an extract of Reformatted Summary Financial Statements. The Reformatted Summary Financial Statements should be read in conjunction with the examination report thereon issued by our Statutory Auditors and statement of significant accounting policies and notes to accounts on the Reformatted Summary Financial Statements contained in the section titled Financial Information of the Prospectus.
ScheAs at As at As at dule September March March No. 30, 2011 31, 2011 31, 2010 I Fixed Assets I Gross Block 2,911.60 2,463.34 1,691.09 Less: Accumulated Depreciation/Amortization 760.69 627.77 449.04 Net Block 2,150.91 1,835.57 1,242.05 Capital Work in Progress 473.94 505.27 290.65 2,624.85 2,340.84 1,532.71 II Investments II 75.05 75.05 75.05 III Deferred Tax Assets, (Net) 5.06 (24.73) (-24.84) IV Current Assets, Loans and Advances Sundry Debtors III 159.37 53.94 33.45 Cash and Bank Balances IV 13,322.22 13,754.95 5,759.92 Other Current Assets V 6,521.71 5,919.68 2,408.14 Loans and Advances VI 1,84,504.85 1,17,517.75 54,616.99 2,04,508.15 1,37,246.32 62,818.49 A= (I+II+III+IV) 2,07,213.11 1,39,637.48 64,401.41 V Liabilities and Provisions Secured Loans VII 1,34,849.95 1,02,111.55 45,471.22 Unsecured Loans VIII 37,717.95 17,274.31 7,334.03 Current Liabilities IX 5,842.72 3,878.71 4,524.35 Provisions X 2,682.22 3,031.00 1,229.90 B=(V) 1,81,092.84 1,26,295.56 58,559.50 NET WORTH A-B 26,120.27 13,341.92 5,841.92 Net Worth Represented by Share Capital XI - Equity Shares 3,717.13 3,202.13 3,010.00 Reserves and Surplus - Securities Premium XII 10,570.78 2,364.77 - Statutory Reserve XIII 2,794.04 1,982.02 993.67 - Surplus/ (Deficit) in Profit and Loss Account XIV 9,043.25 5,795.20 1,841.79 Miscellaneous Expenditure XV (4.93) (2.21) (3.54) (to the extent not written off) NET WORTH 26,120.27 13,341.92 5,841.92 Particulars
have not been appraised by any bank or financial institution We intend to use the proceeds of the Issue, after meeting the expenditures of and related to the Issue, for our various financing activities including lending and investments, subject to applicable statutory and/or regulatory requirements, to repay our existing loans and our business operations including for our capital expenditure and working capital requirements. For further details, see section titled Objects of the Issue of the Prospectus.The fund requirement and deployment is based on internal management estimates and has not been appraised by any bank or financial institution. The management will have significant flexibility in applying the proceeds received by us from the Issue. Further, as per the provisions of the Debt Regulations, we are not required to appoint a monitoring agency and therefore no monitoring agency has been appointed for this Issue. Prominent Notes: This is a public issue ofNCDs aggregating upto ` 3,000 million with an option to retain over-subscription upto ` 3,000 million for issuance of additional NCDs aggregating to a total of upto ` 6,000 million. For details on the interest of our Companys Directors, please refer to the sections titled Our Management and Capital Structure of the Prospectus Our Company has entered into certain related party transactions, within the meaning of AS 18 as notified by the Companies (Accounting Standards) Rules, 2006, as disclosed in the section titled Financial Information of the Prospectus. Any clarification or information relating to the Issue shall be made available by the Lead Managers, Co-Lead Managers and our Company to the investors at large and no selective or additional information would be available for a section of investors in any manner whatsoever. Investors may contact the Registrar to the Issue, Compliance Officer, the Lead Managers, and Co-Lead Managers, for any complaints pertaining to the Issue. In case of any specific queries on allotment/refund, Investor may contact the Registrar to the Issue. In the event of oversubscription to the Issue, allocation of NCDs will be as per the section titled Basis of Allotment of the Prospectus. Our Equity Shares are listed on the NSE and BSE. As of September 30, 2011, we had certain contingent liabilities not provided for, amounting to ` 3,229.35 million.For further information on such contingent liabilities, see section titled Financial Information of the Prospectus. For further information relating to certain significant legal proceedings that we are involved in, see section titled Pending Proceedings and Statutory Defaults of the Prospectus.
As on the date of thisProspectus, there are no defaults in meeting statutory dues, institutional dues, and towards holders of instrument like debentures, fixed deposits and arrears on cumulative preference shares, etc, by our Company or by public companies promoted by the Promoters and listed on the BSE Limited. For further details please refer to the Prospectus. OTHER REGULATORY AND STATUTORY DISCLOSURES Authority for the Issue:At the meeting of the Board of Directors of our Company, held on December 05, 2011 the Directors approved the issue of NCDs to the public upto an amount not exceeding ` 6,000million. Prohibition by SEBI:Our Company, persons in control of our Company and/or our Promoters have not been restrained, prohibited or debarred by SEBI from accessing the securities market or dealing in securities and no such order or direction is in force. Further, no member of our promoter group has been prohibited or debarred by SEBI from accessing the securities market or dealing in securities due to fraud. Disclaimer Clause of the BSE: BSE LIMITED (THE EXCHANGE) HAS GIVEN VIDE ITS LETTER
40.95 34.92 21.66 8,825.32 2,580.38 563.21 1,658.09 967.91 787.06 25,735.53 18,046.59 13,893.02 36,259.89 21,629.80 15,264.95 37,600.43 22,857.65 16,092.08 30,087.45 18,400.19 13,117.52 1,568.48 752.87 709.00 1,805.57 1,224.88 459.10 524.46 348.65 214.43 33,985.96 20,726.59 14,500.06 3,614.47 2,131.07 1,592.03 490.00 755.00 538.52 1,918.75 (87.80) 50.00 275.00 343.08 1,555.50 (92.51) 50.00 275.00 215.89 1,052.04 (0.90)
DATED DECEMBER 15, 2011, PERMISSION TO THIS COMPANY TO USE THE EXCHANGES NAME IN THIS OFFER DOCUMENT AS ONE OF THE STOCK EXCHANGES ON WHICH THIS COMPANYS SECURITIES ARE PROPOSED TO BE LISTED. THE EXCHANGE HAS SCRUTINIZED THIS OFFER DOCUMENT FOR ITS LIMITED INTERNAL PURPOSE OF DECIDING ON THE MATTER OF GRANTING THE AFORESAID PERMISSION TO THIS COMPANY. THE EXCHANGE DOES NOT IN ANY MANNER: a. WARRANT, CERTIFY OR ENDORSE THE CORRECTNESS OR COMPLETENESS OF ANY OF THE CONTENTS OF THIS OFFER DOCUMENT; OR b. WARRANT THAT THIS COMPANYS SECURITIES WILL BE LISTED OR WILL CONTINUE TO BE LISTED ON THE EXCHANGE; OR c. TAKE ANY RESPONSIBILITY FOR THE FINANCIAL OR OTHER SOUNDNESS OF THIS COMPANY, ITS PROMOTERS, ITS MANAGEMENT OR ANY SCHEME OR PROJECT OF THIS COMPANY. AND IT SHOULD NOT FOR ANY REASON BE DEEMED OR CONSTRUED THAT THIS OFFER DOCUMENT HAS BEEN CLEARED OR APPROVED BY THE EXCHANGE. EVERY PERSON WHO DESIRES TO APPLY FOR OR OTHERWISE ACQUIRES ANY SECURITIES OF THIS COMPANY MAY DO SO PURSUANT TO INDEPENDENT INQUIRY, INVESTEGATION AND ANALYSIS AND SHALL NOT HAVE ANY CLAIM AGAINST THE EXCHANGE WHATSOEVER BY REASON OF ANY LOSS WHICH MAY BE SUFFERED BY SUCH PERSON CONSEQUENT TO OR IN CONNECTION WITH SUCH SUBSCRIPTION/ACQUISITION WHETHER BY REASON OF ANYTHING STATED OR OMITTED TO BE STATED HEREIN OR FOR ANY OTHER REASON WHATSOEVER. Disclaimer Clause of the RBI: THE COMPANY IS HAVING A VALID CERTIFICATE OF REGISTRATION DATED DECEMBER 12, 2008 ISSUED BY THE RESERVE BANK OF INDIA UNDER SECTION 45 IA OF THE RESERVE BANK OF INDIA ACT, 1934. HOWEVER,THE RBIDOES NOT ACCEPT ANY RESPONSIBILITY OR GUARANTEE ABOUT THE PRESENT POSITION AS TO THE FINANCIAL SOUNDNESS OF THE COMPANY OR FOR THE CORRECTNESS OF ANY OF THE STATEMENTS OR REPRESENTATIONS MADE OR OPINIONS EXPRESSED BY THE COMPANY AND FOR REPAYMENT OF DEPOSITS/ DISCHARGE OF LIABILITY BY THE COMPANY.
INCOME Interest Income Other Income Total Income EXPENDITURE Interest Expense Personnel Expenses Administrative & Other Expenses Salary to Whole Time Directors Depreciation Total Expenditure Profit/(Loss) before Tax and Prior Period Items Prior Period Items [ Expenses / (Income)] Net Profit/(Loss) before Tax Provision for tax Current Tax Deferred Tax Charge/(Credit) Fringe Benefit Tax Total Tax Expense/(Credit) Net Profit/(Loss) for the period/year as per audited financials Adjustments to the Financial Statements Less: Deferred Tax Impact on Adjustments considered above Adjustment of excess provision of income tax, for earlier years written back Net Adjustments (Refer note C of Annexure IV) Net Profit/(Loss) Less: Transfer to Statutory Reserve Surplus/ (Deficit) brought forward from previous period/year Impact of reformatting of prior period expenses relating to periods prior to 01.04.2006 Surplus / (Deficit) available for Appropriation Appropriation: Issue of Bonus Shares Reduction on account of demerger of radio business Surplus/ (Deficit) carried to Balance Sheet
XVI XVII
XVIII XIX XX
9,043.25
For further details please refer to the Prospectus. DISCLOSURES ON EXISTING FINANCIAL INDEBTEDNESS A. Details of Secured Borrowings: Our Companys secured borrowings as on September 30, 2011 amount to ` 134,849.95 million. For further details please refer to the Prospectus. B. Details of Unsecured Loans: For details please refer to the Prospectus. C. Restrictive Covenants under our Financing Arrangements: For details please refer to the Prospectus. LEGAL AND OTHER INFORMATION PENDING PROCEEDINGS AND STATUTORY DEFAULTS
Listing:The NCDs proposed to be offered in pursuance of the Prospectus will be listed on the BSE. We have received the in-principle approval dated December 15, 2011 from the BSE. If permissions to deal in and for an official quotation of our NCDs are not granted by the BSE, our Company will forthwith repay, without interest, all moneys received from the applicants in pursuance of the Prospectus. Consents:For details please refer to the Prospectus. Expert Opinion:For details please refer to the Prospectus. Common form of Transfer:For details please refer to the Prospectus. Minimum Subscription:For details please refer to the Prospectus. Filing of the Draft Prospectus and Prospectus:The Draft Prospectus has been filed and the Prospectus will be filed with BSE in terms of Regulation 7 of the Debt Regulations for dissemination on their website. :For further details please refer to the Prospectus. Debenture Redemption Reserve:For details please refer to the Prospectus. Issue Related Expenses:For details please refer to the Prospectus. Underwriting:This Issue has not been underwritten. Details regarding the Company and other listed companies under the same management within the meaning of section 370(1B), which made any capital issue during the last three years:On May 03, 2011, our Company issued and allotted 51,500,000 equity shares at a price of ` 175 per such Equity Share, amounting to an aggregate of ` 9,012,500,000 pursuant to an initial public offer under the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2009 which opened on April 18, 2011 and closed on April 21, 2011.The electronic credit of the equity shares to investors pursuant to the initial public offer was completed on May 04, 2011.There are no listed companies under the same management within the meaning of Section 370(1) (B) of the Companies Act, 1956. Commissions and Brokerage on previous issue: ` 151.25 million was incurred towards lead management fees, underwriting and selling commission in connection with the public issue of 51,500,000 equity shares at a price of ` 175 per such Equity Share, pursuant to an initial public offer under the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2009. ` 127.74 million was incurred towards lead management fees, and selling commission in connection with the public issue of 6,930,000 secured non-convertible debentures of face value ` 1,000 each issued at face value, pursuant to a public issue under the Debt Regulations. Public / Rights Issues:On May 03, 2011, our Company issued and allotted 51,500,000 equity shares at a price of ` 175 per such Equity Share, pursuant to an initial public offer under the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2009. Previous Issue:For details please refer to the Prospectus. Stock Market Data:For details please refer to the Prospectus. DebenturesorbondsandredeemablepreferencesharesandotherinstrumentsissuedbyourCompanyandoutstanding: There are certain debentures issued by our Company which are listed on the WDM segment of the NSE and bear ISIN numbers INE414G07027; INE414G07019; INE414G07035 and INE414G08181. No trade data is available since no trades have taken placed in these debentures in NSE, since they were listed, on May 19, 2011. Dividend:Our Company has no stated dividend policy. The declaration and payment of dividends on our shares will be recommended by our Board of Directors and approved by our shareholders, at their discretion, and will depend on a number of factors, including but not limited to our profits, capital requirements and overall financial condition. The Company has not declared any dividend on its Equity Shares in the last five financial years. Revaluation of assets:The Company has not revalued its assets in the last five years. Mechanism for redressal of investor grievances:The MoU between the Registrar to the Issue and our Company will provide for retention of records with the Registrar to the Issue for a period of at least three years from the last date of despatch of the Allotment Advice, demat credit and refund orders to enable the investors to approach the Registrar to the Issue for redressal of their grievances. All grievances relating to the Issue may be addressed to the Registrar to the Issue, giving full details such as name, address of the applicant, number of NCDs applied for, amount paid on application and the bank branch or collection centre where the application was submitted. The contact details of Registrar to the Issue are as follows: Link Intime India Private Limited C-13, Pannalal Silk Mills Compound, L.B.S. Marg, Bhandup (West), Mumbai 400 078, India, Tel: (91 22) 2596 0320, Fax: (91 22) 2596 0329, Toll Free: 1-800-22-0320, Email: mfl.ipo@linkintime.co.in, Investor Grievance Email: mfl.ipo@linkintime.co.in, Website: www.linkintime.co.in Contact Person: Sachin Achar, SEBI Registration No.: INR000004058 We estimate that the average time required by us or the Registrar to the Issue for the redressal of routine investor grievances will be 7 (seven) business days from the date of receipt of the complaint. In case of non-routine complaints and complaints where external agencies are involved, we will seek to redress these complaints as expeditiously as possible. Rajesh A has been appointed as the Compliance Officer of our Company for this issue. The contact details of Compliance Officer of our Company are as follows: Rajesh A., Muthoot Chambers, Opposite Saritha Theatre Complex, 2nd Floor, Banerji Road, Kochi 682 018, Kerala, India, Tel: (91 484) 353 5533, Fax: (91 484) 2396506, E-mail: cs@muthootgroup.com. Investors may contact the Registrar to the Issue or the Compliance Officer in case of any pre-issue or post Issue related issues such as non-receipt of Allotment Advice, demat credit, refund orders or interest on application money. Change in Auditors of our Company during the last three years:There has been no change(s) in the Statutory Auditors of our Company in the last 3 (three) financial years preceding the date of the Prospectus. MATERIAL CONTRACTS AND DOCUMENTS FOR INSPECTION:For details please refer to the Prospectus. DECLARATION: We, the Directors of the Company, certify that all the relevant provisions of the Companies Act, 1956 and the guidelines issued by the Government of India or the guidelines issued by the Securities and Exchange Board of India established under Section 3 of the Securities and Exchange Board of India Act, 1992, as the case may be, have been complied with. We further certify that the disclosures made in the Prospectus are true and correct and in conformity with Schedule II of the Companies Act, 1956, Schedule I of SEBI (Issue and Listing of Debt Securities) Regulations, 2008, and the Listing Agreement to be executed with the stock exchanges, and no statement made in the Prospectus is contrary to the provisions of the Companies Act, 1956 or the Securities and Exchange Board of India Act, 1992 or rules, guidelines and circulars issued thereunder. SIGNED BY ALL DIRECTORS: M. G. George Muthoot - Whole Time Director and Chairman, George Thomas Muthoot - Whole Time Director, George Jacob Muthoot - Whole Time Director, George Alexander Muthoot Managing Director, P. George Varghese - Independent Director, K. John Mathew - Independent Director, John K Paul - Independent Director, George Joseph - Independent Director Date: December 16, 2011 Place: Kochi, India