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HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED

APPLICATION FORM
ISSUE OPENS ON : JANUARY 27, 2012 FEBRUARY 06, 2012^ ISSUE CLOSES ON :

HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED - PUBLIC ISSUE OF TAX FREE BONDS - TRANCHE I ISSUE

Our Company was incorporated as Housing and Urban Development Finance Corporation Private Limited on April 25, 1970 as a private limited company under the Companies Act, 1956, as amended (the Companies Act) and was granted a certificate of incorporation by the then Registrar of Companies, Delhi. Subsequently the name of our Company was changed to its present name and a fresh certificate of incorporation dated July 9, 1974 was issued by the then Registrar of Companies, Delhi and Haryana. For further details, see the section titled History and Certain Corporate Matters on page 64 of the Shelf Prospectus. Registered and Corporate Office: HUDCO Bhawan, Core- 7A, India Habitat Centre, Lodhi Road, New Delhi 110003, India., Telephone: +91 11 2464 9610; Facsimile: +91 11 2464 8179; Company Secretary and Compliance Officer: Mr. H. Verma; Telephone: +91 11 2464 9610; Facsimile: +91 11 2464 8179; E-mail: taxfreebonds@hudco.org; Website: www.hudco.org

Application No.

66705122

PUBLIC ISSUE BY HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED (COMPANY OR THE ISSUER) OF TAX FREE BONDS OF FACE VALUE OF ` 1,000 EACH IN THE NATURE OF SECURED, REDEEMABLE, NON-CONVERTIBLE DEBENTURES, HAVING BENEFITS UNDER SECTION 10(15)(iv)(h) OF THE INCOME TAX ACT, 1961, AS AMENDED (BONDS) AGGREGATING ` 2,000 CRORES (ISSUE) WITH AN OPTION TO RETAIN AN OVERSUBSCRIPTION UPTO THE SHELF LIMIT (i.e. ` 4,684.72 CRORES). THIS ISSUE IS BEING OFFERED BY WAY OF THE PROSPECTUS TRANCHE- I WHICH CONTAINS, INTER ALIA, ALL TERMS AND CONDITIONS OF THE TRANCHE- I (THE PROSPECTUS TRANCHE- I), WHICH SHOULD BE READ TOGETHER WITH THE SHELF PROSPECTUS DATED JANUARY 23, 2012 FILED WITH THE BSE, THE NSE AND SEBI (THE SHELF PROSPECTUS). THE SHELF PROSPECTUS, TOGETHER WITH THE PROSPECTUS TRANCHE- I SHALL CONSTITUTE THE PROSPECTUS.

CREDIT RATING : 'CARE AA+', 'Fitch AA+ (ind)'

Lead Managers / Affiliates / Consortium Members Name & Code Sub-Consortium Members / Brokers Name & Code Sub-Brokers / Agents Code Bank Branch Stamp Bank Branch Serial No. Date of Receipt

ENAM SEC. PVT. LTD. 01/0509-1

KSBL 23/07701-38

310109

To, The Board of Directors, HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED, HUDCO Bhawan, Core- 7A, India Habitat Centre, Lodhi Road, New Delhi 110003, India.
Dear Sirs, Having read, understood and agreed to the contents and terms and conditions of HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED Shelf Prospectus and Prospectus Tranche- I dated January 23, 2012, (Prospectus) I/We hereby apply for allotment to me/us; of the under mentioned Bonds out of the Issue. The amount payable on application for the below mentioned Bonds is remitted herewith. I/We hereby agree to accept the Bonds 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 SBICAP Trustee Company 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 Applications made by me/us do not exceed the investment limit on the maximum number of Bonds which may be held by me/us under applicable statutory and /or regulatory requirements. By making this application, I/We acknowledge that I/We have understood the terms and conditions of the Issue of the Company as disclosed in the Prospectus. Notwithstanding anything contained in this form and the attachments hereto, by making this application: I/We confirm that I am/We are Indian National(s)/registered in India, resident in India and I am/ we are not applying for the said Bonds as nominee(s) of any person resident outside India and/or Foreign National(s). Notwithstanding anything contained in this form and the attachments hereto, I/we confirm that I/we 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) my/ our decision to make this application is solely based on the disclosures contained in the Prospectus, (iii) my/our application for Bonds 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 am/We 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; (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 Bonds pursuant to the Issue.

Please fill in the Form in English using BLOCK letters

Date

d d / m m / 2012

APPLICANTS DETAILS (for Applicants applying in Demat Mode name(s) should be in the same order as it appears in the demat account)
NAME OF SOLE/FIRST APPLICANT Mr./Ms./M/s. NAME OF GUARDIAN Mr./Ms.
(In case of minor only)

AGE DATE OF BIRTH (Compulsory for minor) d d m m y y

years y y

ADDRESS (of Sole / First Applicant) City SECOND APPLICANT Mr./Ms. THIRD APPLICANT Mr./Ms. Pin Code (Compulsory) Telephone
(with STD code)

Mobile

E-mail

OTHER DETAILS OF SOLE/FIRST APPLICANT CATEGORY (Please

Category I Category II Category III -

)
Partnership Firms in the name of the partner; and Limited liability partnership

Companies / Bodies Corporate / Registered Societies; Public/Private Charitable/Religious Trusts; Scientific and/or Industrial Research Organisations; Resident Indian individuals*; Hindu Undivided Families through the Karta*. (*applying for an amount aggregating to above ` 5 lakhs) Resident Indian individuals#; Hindu Undivided Families through the Karta#. (#applying for an amount aggregating to upto and including ` 5 lakhs)

DOCUMENTS TO BE SUBMITTED ALONG WITH THE APPLICATION FORM. MoA and AoA / Charter Documents Registration Certificate Resolution and Specimen Signature DEPOSITORY PARTICIPANT DETAILS (For Applications In Demat Mode)
Depository Name (Please ) Depository Participant Name DP - ID Beneficiary Account Number National Securities Depository Limited (NSDL) I N

Power of Attorney

Others (Please Specify ...................................)

Central Depository Services (India) Limited (CDSL)

(16 digit beneficiary A/c. No. to be mentioned above)

TEAR HERE

OPTION TO HOLD THE BONDS IN PHYSICAL FORM* (If this option is selected, the KYC Documents as mentioned under General Instructions no. 31 are mandatory)
In terms of Section (8)(1) of the Depositories Act, 1996 as amended, I/we wish to hold the Bonds in physical form. I/We hereby confirm that the information provided in APPLICANTS DETAILS is true and correct. I/We enclose herewith as the KYC Documents, self attested copies of PAN Card, Proof of Residence Address and a cancelled cheque of the bank account to which the amount pertaining to payment of refunds, interest and redemptions as applicable should be credited. Bank Details for payment of Refund / Interest / Maturity Amount Bank Name : Branch : Account No.: _____________________________ IFSC Code : ___________________MICR Code : ___________________________ NOMINATION (FOR ALLOTMENT IN PHYSICAL FORM) Name of the Nominee : In case of Minor, Guardian :

Sole/First Applicant

Second Applicant

Third Applicant

THE SPECIFIC TERMS OF EACH INSTRUMENT ARE SET OUT BELOW:

Options Tranche- I Series 1 Bonds (I) Tenor Redemption Date Redemption Amount (`/ Bond) Frequency of interest payment Minimum Application size In multiples of Face Value (`/Bond) Issue Price (`/Bond) (A) Modes of interest payment Coupon Rate (%) p.a. Options 10 years 10 years from the Deemed Date of Allotment Repayment of the Face Value and any interest that may have accrued on the Redemption Date Annual ` 10,000 (10 Bonds). ` 1,000 (One Bond). ` 1,000 ` 1,000 Through various available modes. ** 8.10% p.a. Additional Coupon Rate*** for Category III Investors: 0.12% p.a. Aggregate Coupon Rate for Category III Investors: 8.22% p.a. Annualised Yield For Category I Investors: 8.10% For Category II Investors: 8.10% For Category III Investors: 8.22% No. of Bonds applied for (B) Amount Payable (`) (A x B) Total Number of Bonds (I+II) Grand Total (I+II) (`) * Our Company shall allocate and Allot Bonds of Tranche- I Series 1 Bonds maturity to all valid applications, wherein the applicants have not indicated their choice of the relevant Bond series. ** For various modes of interest payment, see the section titled "Terms of the Issue - Modes of Payment" on page 34 of the Prospectus Tranche - I ***FOR FURTHER DETAILS, SEE THE SECTION TITLED "TERMS OF THE ISSUE - INTEREST" ON PAGE 31 OF THE PROSPECTUS TRANCHE - I Status of Bonds: The Bonds shall be secured pursuant to a Debenture Trust Deed and underlying security documents. The Bondholders are entitled to the benefit of the Debenture Trust Deed and are bound by and are deemed to have notice of all the provisions of the Debenture Trust Deed. The Bonds are issued in the form of tax free bonds of face value of ` 1,000 each in the nature of secured, redeemable, non-convertible debentures, having tax benefits under Section 10(15)(iv)(h) of the Income Tax Act, 1961, and are proposed to be secured by a floating first pari-passu charge on present and future receivables of the Company to the extent of amount mobilized under the Issue. The Company reserves the right to create first pari-passu charge on present and future receivables for its present and future financial requirements. The claims of the Bond holders shall be superior to the claims of any unsecured creditors, subject to applicable statutory and/or regulatory requirements. Series of Bonds* Tranche- I Series 2 Bonds (II) 15 years 15 years from the Deemed Date of Allotment Repayment of the Face Value and any interest that may have accrued on the Redemption Date Annual ` 10,000 (10 Bonds). ` 1,000 (One Bond). ` 1,000 ` 1,000 Through various available modes. ** 8.20% p.a. Additional Coupon Rate*** for Category III Investors: 0.15% p.a. Aggregate Coupon Rate for Category III Investors: 8.35% p.a. For Category I Investors: 8.20% For Category II Investors: 8.20% For Category III Investors: 8.35%

COMMON TERMS FOR ALL SERIES OF THE BONDS

Objects of the Issue See the section titled "Objects of the Issue" on page 17 of Prospectus Tranche - I One Bond. Application Date (full Application amount is payable on Application). BSE and NSE. The Bonds proposed to be issued are secured by a floating first pari-passu charge on present and future receivables of our Company to the extent of amount mobilized under the Issue. Our Company reserves the right to create first pari-passu charge on present and future receivables for its present and future financial requirements. Security cover At least 100% of the outstanding Bonds at any point of time. Debenture Trustee SBICAP Trustee Company Limited. Depositories NSDL and CDSL. Registrar Karvy Computershare Private Limited. Modes of payment (i) At-par cheques; (ii) Demand drafts. Issuance Dematerialised form or physical form* as specified by an Applicant in the Application Form. Trading In dematerialised form only. Deemed date of Allotment The date on which the Board or a duly constituted committee thereof approves the Allotment of the Bonds for this Issue. All benefits relating to the Bonds including interest on Bonds (as specified in the Prospectus Tranche- I) shall be available to the investors from the Deemed Date of Allotment. The actual allotment of Bonds may take place on a date other than the Deemed Date of Allotment. Lead Manager Enam Securities Private Limited and SBI Capital Markets Limited. * In terms of Regulation 4(2)(d) of the SEBI (Issue and Listing of Debt Securities) Regulations, 2008, our Company will make public issue of the Bonds in the dematerialised form. However, in terms of Section 8 (1) of the Depositories Act, 1996, as amended our Company, at the request of the Investors who wish to hold the Bonds in physical form will fulfil such request. Submission of Application Forms: All Application Forms duly completed and accompanied by account payee cheques or drafts and relevant documents, as applicable, shall be submitted to the designated collection banks during the Issue Period. No separate receipts shall be issued for the money payable on the submission of Application Form. However, the collection banks will acknowledge the receipt of the Application Forms by stamping and returning to the Applicants the acknowledgement slip. This acknowledgement slip will serve as the duplicate of the Application Form for the records of the Applicant. Applications shall be deemed to have been received by us only when submitted to Bankers to the Issue at their designated branches as detailed above and not otherwise. Multiple Applications: An Applicant may make multiple applications for the total number of Bonds required and the same shall be considered valid. For further details please see General Instructions no. 29. Basis of Allotment for Bonds: a). Allotments in the first instance: i. Applicants belonging to the Category I, in the first instance, will be allocated Bonds upto 45 % of the Overall Issue Size on first come first serve basis (determined on the basis of date of receipt of each application duly acknowledged by the Bankers to the Issue); ii. Applicants belonging to the Category II, in the first instance, will be allocated Bonds upto 25% of Overall Issue Size on first come first serve basis (determined on the basis of date of receipt of each application duly acknowledged by the Bankers to the Issue); iii. Applicants belonging to the Category III, in the first instance, will be allocated Bonds upto 30% of Overall Issue Size on first come first serve basis (determined on the basis of date of receipt of each application duly acknowledged by the Bankers to the Issue). For further details please see General Instructions no. 44. Market Lot/ Trading Lot Pay-in date Listing Security

PAYMENT DETAILS (See Payment in to Escrow Account under General Instructions no. 36)
Total Amount Payable (` in figures) (` in words) Cheque / Demand Draft No. Drawn on Bank Branch
Please Note : Cheque/DD should be drawn in favour of "HUDCO Tax Free Bonds- Escrow Account". Cheques 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 for purpose of refunds, if any, shall be taken from (i) Bank details as mentioned above for applicants who select the option to hold the Bonds in Physical Form; or (ii) the records of the Depositories otherwise.

Dated

/ 2012

SOLE/FIRST APPLICANT
PERMANENT ACCOUNT NUMBER
(Furnishing of Subscribers PAN is mandatory. For additional details, refer General Instructions no. 29)

SECOND APPLICANT

THIRD APPLICANT

SIGNATURE(S)

^ The subscription list for the Issue shall remain open for subscription at the commencement of banking hours and close at the close of banking hours, with an option for early closure (subject to the Issue being open for a minimum of 3 days) or extension by such period, upto a maximum period of 30 days from the date of opening of the Issue, as may be decided by the Board, or a committee constituted by the Board, subject to necessary approvals. In the event of such early closure of the subscription list of the Issue, our Company shall ensure that public notice of such early closure is published on or before the day of such early date of closure through advertisement/s in at least one leading national daily newspaper. The issue shall remain open for subscription for a minimum period of 3 days.

TEAR HERE ACKNOWLEDGEMENT SLIP

HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED

Our Company was incorporated as Housing and Urban Development Finance Corporation Private Limited on April 25, 1970 as a private limited company under the Companies Act, 1956, as amended (the Companies Act) and was granted a certificate of incorporation by the then Registrar of Companies, Delhi. Subsequently the name of our Company was changed to its present name and a fresh certificate of incorporation dated July 9, 1974 was issued by the then Registrar of Companies, Delhi and Haryana. For further details, see the section titled History and Certain Corporate Matters on page 64 of the Shelf Prospectus. Registered and Corporate Office: HUDCO Bhawan, Core- 7A, India Habitat Centre, Lodhi Road, New Delhi 110003, India., Telephone: +91 11 2464 9610; Facsimile: +91 11 2464 8179; Company Secretary and Compliance Officer: Mr. H. Verma; Telephone: +91 11 2464 9610; Facsimile: +91 11 2464 8179; E-mail: taxfreebonds@hudco.org; Website: www.hudco.org

Date

d d / m m / 2012

ACKNOWLEDGEMENT SLIP FOR APPLICANT TRANCHE I ISSUE

Application No.

66705122

Received From Series Series 1 (10 years) Series 2 (15 years) Face Value (A) ` 1,000/No. of Bonds applied for (B) Amount Payable (`) (A x B) Cheque/Demand Draft No. Drawn on (Name of the Bank and Branch) Dated 2012 Bank's Stamp & Date

` 1,000/-

Grand Total (1+2) Acknowledgement is subject to realization of Cheque / Demand Draft.

All future communication in connection with this application should be addressed to the Registrar to the Issue KARVY COMPUTERSHARE PRIVATE LIMITED, Plot No. 17 to 24, Vithal Rao Nagar, Madhapur, Hyderabad 500 081, India, Telephone: +91 40 4465 5000, Facsimile +91 40 2343 1551, Email ID: einward.ris@karvy.com, Website: http:\\karisma.karvy.com, Investor Grievance ID: hudco.bonds@karvy.com, Contact Person : Mr. M. Murali Krishna, SEBI Registration Number: INR000000221. Quoting full name of Sole/First Applicant, Application No., Type of options applied for, Number of Bonds applied for under each option, Date, Bank and Branch where the application was submitted and Cheque/Demand Draft Number and Issuing bank.

While submitting the Application Form, the Applicant should ensure that the date stamp being put on the Application Form by the Bank matches with the date stamp on the Acknowledgement Slip.

CK

HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED : APPLICATION FORMS AVAILABLE AT FOLLOWING LOCATIONS
LEAD MANAGER TO THE ISSUE
ENAM SECURITIES PVT. LTD. AGRA :Bajaj Cap,Shop No. 110, Gr Flr, Block No. 27/2/4, Sanjay Palace, Nr Hotel Panchrattan, HDFC Sec,2nd Flr, Deepak Wasan Plaza, 17/2/4,Sanjay Place, Karvy,F4, 1St Flr, Deepak Wasan Plaza,Sanjay Place, (B/h Holiday Inn), Karvy,Shop No 11, Nanak Twrs,Opp.Telegraph Office, Belagunj, Kotak Sec,2/220, Glory Plaza, Suer Sadan Crossing, M.G Rd, Religare Sec,F- 8 & 9, Ist Flr, Block No.- E16/8, Kailash Twr, Sanjay Place, RR Equity,9, Sbi Colony, 1st Flr, Opp. Subhash Park, M.G.Rd, SMC Global,F- 4, Block No 35, Surya Kiran Bldg Nr Metro Bar Sanjay Place, AHMEDABAD :Bajaj Cap,2-L, Akik Opp Lions Hall, Mithakhali Six Raod, Nr Nalanda Hotel, Ellisbridge, Centrum Broking,A/1, Narnarayn Cmplx,Swastik Char Rasta, Off. C.G. Rd,Navrangpura, IDBI Capital,314, 3rd Flr Crystal Arcade, B/s BSNL Cmplx, Nr Girish Cold Drink Cross Rd, C G Rd, JM Fin,G-10 Chinubhai Cntr, Gr. Flr,Nehru Bridge Corner,Ashram Rd, Karvy,201, Millenium Plaza, 2nd Flr,Opp Swaminarayan Temple,Nr. Mansi Twr, Vastrapur, Karvy,208 H J House, Nr Rambaug Police Stn,Opp. Ioc Petrol Pump, Rambaug, Mani Nagar, Karvy,27, Suman Twr, 1St Flr, Nr Hotel Havelly,Sector No.11, Gandhinagar, Karvy,7 - 8, 2Nd Flr, 3Rd Eye Bldg,Panchvati Circle, C.G.Rd, Kotak Sec,207, 2nd Flr, Sakar-II, Ellisbridge Corner, Ashram Rd, Kotak Sec,201/A, Amruta Arcade, Nr Maningr Char Rasta, Maninagar, Kotak Sec,B-46, Kamdhenu Cmplx, Opp.Sahajanand College, Panjara Pole, Ambawadi, Motilal Oswal Sec,Bearing no. G-6/7/8/9 & 10,Citypride Cmplx, Nr Nalanda Hotel, Mithakali Circle, Navrangpura, Reliance Sec,Office No 101/B Shivalik - 2, 1st Flr, Abv ICICI Bk, 132' Ring Rd, Satellite, Religare Sec,201,202,203,2nd Flr,Dev Cmplx, Opp Parimal Garden, C.G. Rd, Religare Sec,Dev Cmplx, 2nd Flr, Opp Parimal Garden, C.G. Rd, RR Equity,401, Abhijit-1, Opp. Bhuj Mercantile Bk, Mithakhali, 6 Rd, Navrangpura, Sharekhan,201/202/301,Dynamic House,Nr Vijay Cross Rd, Navrangpura, SMC Global,3rd Flr, Sun City House, B/ss Pantaloon, Opp Kotak Bk, MithaKhali Six Rd, Standard Char Sec,101, Popular House, Ashram Rd, HDFC Sec,212, ISCON Cntr, Shiv Ranjani Char Rasta, Satellite Rd, Integrated Ent,21, Nirman, Gr.Flr, Behind Navrangpura Bus Stop, Navrangpura, Integrated Ent,LG 12/13/14, H.J. House, Opp. IBP Petrol Pump, Rambaugh, Maninagar, Integrated Ent,B/14 Capital Commercial Cntr,1st Flr,Nr Sanyas Ashram, Ashram Rd, SMC Global,10-A, Kalapurnam,C G Rd,Nr Municipal Market, AHMEDNAGAR :HDFC Sec,B - 22, Lower Gr Flr, Amber Plaza, A Bldg, Stn Rd, Religare Sec,Shop-5, 6, 7 & 8 Himalaya Twrs, Savedi Rd, AJMER :Karvy,12, II Flr,Ajmer Twrs, Kutcheri Rd, ALIGARH :Karvy,1st Flr, Kumar Plaza,Ramgath Rd, Vishnupuri, Religare Sec,1st Flr, Center Point Market, Samad Rd, ALLAHABAD :Karvy,138/13, Nai Bazar (Abv Yash Automobiles Hero Honda Agencies),Opp. Nsic (Udyog Nagar), Naini, Karvy,2nd Flr, Rsa Twr, B/s Hdfc Bk,57, Sardar Patel Rd, Civil Lines, Kotak Sec,M-4, Mezzanine Flr, LDA Center, 2, Sardar Patel Rd, Civil Line, Religare Sec,C/o Brij Ford, 2, S.P. Rd, Civil Lines, AMBALA :Karvy,5509, Nichoson Rd,Adjacent Kos Hospital Ambala Cantonement, Karvy,SCF 15 Vikas Vihar, AMRITSAR :HDFC Sec,SCO - 5, D. S. C.Ranjit Avenue, Karvy,72-A Taylors Rd,Opp.Aga Heritage Gandhi Gr, Kotak Sec,Unit No.FUF-7, Central Mall, 32, Mall Rd, Religare Sec,Ist Flr, Nagpal Twrs -II, SCO-44, Distt. Shopping Center, Ranjeet Avenue, ANAND :HDFC Sec,Office No. 206, 2nd Flr, Madhav Cmplx, Grid Cross Rd, Karvy,F-6, Chitrangana Cmplx,Opp. Motikaka Chawl ; V V Nagar, Kotak Sec,3rd Flr, Sanket, Nr GRID, RR Equity,G1, Silver Oaks,Opp. Swayambar Party Plot V.V.Rd, Sharekhan,F-5 Prathna Vihar,Anand Vidya Nagar Rd, ASANSOL :Karvy,18 G T Rd,3rd Flr, AURANGABAD :HDFC Sec,Office A - 8, 1st Flr, A wing, Gurunath Sankul,Shriram Chowk, Shreya Nagar, kalda Corner, Karvy,Shop No.214/215,Tapadiya City Cntr, Nirala Bazar, Religare Sec,1st Flr, Bhaskar Meridian, Opp. Swatantra Sainik Colony, Nageshwarwadi, BANGALORE :ENAM SECURITIES PVT LTD,10/3, GROUND FLOOR,NO.29, EMPIRE INFANTRY,INFANTRY ROAD,Ph:40333222, Bajaj Cap,197, Sampige Rd, Nr 11th Cross, (Abv Karnataka Bk) Malleshwaram, Bajaj Cap,4, Lakshmi Mansion, 81/B,8th Main Rd, Opp. Food World, 3rd Block, Jaya Nagar, Bajaj Cap,759, Shri Jayalakshmi Nivasa, 100-ft Rd, Indira Nagar, (Opp. SBI Personal Bk), Bajaj Cap,Raheja Arcade, 1st Flr, 122, Koramangala, Bajaj Cap,Rajaji Nagar 293/1, 17th Main Rd D, IIIrd Block, Rajaji Nagar, Bajaj Cap,Unit 104-107, First Flr, A Wing, Mittal Twrs, M.G. Rd, Centrum Broking,194,Akruti Chambers, Binnamangala II, Double Rd, Indaranagar, HDFC Sec,Mount Kailash, 33/5, B-Wing, Gr. Flr.,Meanee Avenue Rd, Ulsoor, Nr. Lake Side hospital, IDBI Capital,No. 63, Right Wing, 1st Flr, K. H. Rd, (Double Rd), Opp. BMRTC Big Bazaar, Abv Vodaphone Store, Integrated Ent,No 12, Ramanuja Plaza, Gr Flr, 5th Cross, Malleswaram, Integrated Ent,No A 16 and A 17, Gr Flr 10th Main Rd, 3rd Block,Jayanagar, Integrated Ent,No. 671, 17th D Cross, Indiranagar 2nd Stage, Integrated Ent,971, G.K. Twrs, 1st Flr, 1st A Main, St.Bed Layout, 4th Block, Koramangala, Integrated Ent,1296 1st Flr, 30th Main Rd Banashankari 2nd Stage, JM Fin,97/4 Residency Rd, Karvy,165 & 166, Manjunatha Chambers,Shankarnagar Main Rd, Karvy,1714/14-1, 1St Flr, Ksh Chambers,21St Main Rd,Behind Maruti Mandi, Vijayanagar, Karvy,201,Suraj Plaza, 8 F Main Rd,3rd Block, Jayanagar, Karvy,2019/A,1st Flr, 3rd B Corss,B Sector, Yelahnaka New Town, Karvy,24, Ganesh Krupa, Rear Block, Kalidasa Rd,1St Main Rd,Gandhi Nagar, Karvy,337, GF-3, Karuna Cmplx,Sampige Rd, Opp. New Vegetable Market, Malleshwar, Karvy,746, 1St Flr, Krishna Temple Rd,Indira Nagar 1st Stage, Indira Nagar, Karvy,A/8, 1St Flr, Khb Colony,Opp. Mciroland, 80 Feet Rd, Koramangala, Karvy,No.279, 3Rd Flr, 67Th Cross,5Th Block, Rajajinagar (Nr Bhashyam Cirlce), Karvy,No.51/2, Tkn Cmplx, Vanivilas Rd,Opp. National College, Basavanagudi, Karvy,No.628, 8Th Main,3Rd Stage, 3Rd Blcok, Basaveshwar Nagar, Karvy,Skanda, No 59,Putana Rd, Basavanagudi, Kotak Sec,Umiya LandmarkII Flr., No:10/7 -Lavelle Rd, Kotak Sec,No 201, soundrya sampige Cmplx, Sampige Rd, No 412, 8th Cross, Malleswaram, Reliance Sec,2nd Flr,No 43, PM Cmplx,Cambridge Layout, 2nd Cross, Saibaba Temple Rd, Ulsoor, Religare Sec,4th Flr, Almas Cntr No. 87, Mahatma Gandhi Rd, RR Equity,S-111,Manipal Cntr,47,Deckenson Rd, Sharekhan,2307, Swanlines Bldg, 12th Main Rd, Jayanagar 3rd Block East, SMC Global,Premises-7,8,9,10,Gr Flr,Gold Twr,50,Residency Rd, Standard Char Sec,J.R. Cmplx, No.21/1, Hosur Main Rd, Nanjappa Layout, Adugodi, Standard Char Sec,Gr Flr, Sri Bhavana Thilaka, 4/2 Millers Rd, BAREILLY :Karvy,1st Flr, 165, Civil Lines, Opp. Hotel Bareilly Palace,Nr Rly Stn, Sharekhan,148 Civil Lines, BELGAUM :HDFC Sec,CTS No. 5854, Congress Rd, Tilakwadi, Kotak Sec,Shri Laxmi Sankul Cmplx, T-01, 3rd Flr, Abv Cosmos Bk, Maruti Galli, BHAGALPUR :Karvy,2nd Floor, Chandralok Complex,Nr Ghantaghar, Radha Rani Sinha Rd, BHARUCH :HDFC Sec,3rd Flr, Akshat Plaza, Abv HDFC Bk, Nr Link Rd, Karvy,Ff 47/48, Aditya Cmplx,Opp. Kasak Fuwara, Bharuch, Kotak Sec,235-236, Harihar Cmplx, Zadeshwar Rd, BHATINDA :Karvy,2048, 1st Flr, Opp. Canara Bk,The Mall Rd, Bhatinda, BHAVNAGAR :HDFC Sec,Office no. 7, 1st Flr, Gopi Arcade, Waghawadi Rd, IDBI Capital,108 1st Flr, Shoppers Point, Parimal Chowk, Waghawadi Rd, Karvy,301, Surabhi Mall,Nr Icici Bk,Waghawadi Rd, RR Equity,251 Madhav Darshan,Waghawadi Rd, Sharekhan,Gangotri Plaza, 8A 3rd Flr, Opp Dakshinamurti School, Waghawadi Rd, BHILAI :HDFC Sec,3rd Floor, Chauhan Estate, Nr Chandra Mourya Talkies, GE Rd, Karvy,New Civic Cente Shop No 138, BHOPAL :Bajaj Cap,Shop No. 6, First Flr, Jyoti Cinema Cmplx, M.P. Nagar, Zone1, IDBI Capital,Harisons House, Upper Gr Flr, 6 Malviya Nagar, Integrated Ent,Manasarovar Cmplx, FM 14, C Block, 1st Flr, Nr Habibganj Rly Stn, Habibgang Stn Rd, Karvy,Kay Kay Business Cntr,133, Zone 1, MP Nagar, Kotak Sec,Third Flr, Alankar Palace, 10-11, MP Nagar, Zone 2, Religare Sec,Ranjit Twr, Ist Flr, Plot No. - 8, M.P. Nagar, Zone - 2, Standard Char Sec,K.K. Plaza, Plot No. 1, Zone 2, Maharana Pratap Nagar, BHUBANESHWAR :Bajaj Cap,Plot No. 1/A, Gr Flr, Stn Square, Kharvel Nagar, HDFC Sec,Plot No. 10, District Cntr, Chandrashekharpur, IDBI Capital,IDBI House, Janpath, Unit IX, Integrated Ent,39 F, I Flr,Kalika Jewellery and Sons,Ashok Nagar, Karvy,624, Saheed Nagar, 1st Flr,Janpath, Karvy,Plot No. 104/105 P,B/ss Pal Heights Hotel, Jayadev Vihar, Kotak Sec,Plot No 24, 2nd Flr., SCR, Nr Bazaar Kolkata, Bapuji Nagar, Janpath, Reliance Sec,3rd Flr, Gitanjali Cmplx,Lewis Rd,Bhubaneshwar, Religare Sec,Plot no-24 SCR, Bapuji Nagar, RR Equity,3-4 Anand Plaza, Laxmi Sagar,Square Cuttack Rd, SMC Global,House No.5, Janpath Unit-3, Standard Char Sec,5, Janpath, Unit - 3, Kharavel Nagar, BOKARO :Karvy,B-1,First Floor,City Cntr,Nr Sona Chandi, Sector-4, Bokaro City, RR Equity,GA-18,City Center Sector-4 Bakaro Steel City, BURDWAN :Karvy,Birhata (Halder Cmplx),63, G T Rd, CALICUT :HDFC Sec,Techno Chemical Ind. Techno Top Bldg., V.M. Basheer Rd, Karvy,1st Flr, Savithri Bldg,Opp.Fatima Hospital, Bk Rd, Karvy,1st Flr, Soubhagya Shopping Cmplx,Mavoor Rd, Arayedathypalam, CHANDIGARH :Bajaj Cap,SCO 341 - 342, First Flr, Sector 35B, IDBI Capital,SCO 86, 1st Flr, Sector 44 C, Karvy,Sco 32, 1St Flr, Phase 7,S A S Nagar, Mohali, Karvy,Sco 32, 1St Flr, Phase 7,S A S Nagar, Mohali, Kotak Sec,SCO-14-15, 2nd Flr, Madhya Rd, Sector-8C, Religare Sec,SCO - 56-58, Sector - 9 - D, Madhya Rd, RR Equity,SCO-222-223,Gr. Flr,Sector-34A, Sharekhan,SCO :185,1st Flr, Sector 38-C, Standard Char Sec,Sco-35-F.F,Sec-21-C, CHENNAI :ENAM SECURITIES DIRECT PVT LTD,11, VIJAY DELUX APTS, 7/4 FIRST MAIN ROAD, CIT COLONY, MYLAPORE,Ph:39184335 / 4226, Bajaj Cap,Bridge Port, New No. 29, Old No. 12, Burkit Rd, T. Nagar, Bajaj Cap,No. 7, R.K. Mutt Rd, (Nr Indian Bk) Mylapore, Bajaj Cap,Shop No. 4, Plot No. 3, 29th Street, Nanganallur, Bajaj Cap,Shop No. 4, Trinity Cmplx, No.110, 4th Avenue, Ashok Nagar, Bajaj Cap,Shop No. 5, Gr Flr, Vikas Plaza, 37/C, Velachery, Tambaram Rd, Bajaj Cap,W-111, First Flr, 3rd Avenue, Anna Nagar, Bajaj Cap,Wellington Plaza, 3rd Flr, 90, Anna Salai, Bajaj Cap,K.R. BldgS, No. 12, L.B. Rd, Adyar, Centrum Broking,Ganesh Enclave, 39 Gopalapuram, 1st Street, HDFC Sec,Aysha Cmplx, 2 nd Flr, 208, Anna Salai, IDBI Capital,Flat No. D, 1st Flr, Deve Regency, No. 6/11, 1st Main Rd, Gandhi Nagar, Adyar, Integrated Ent,Gr Flr, 15, Balaram Rd, Integrated Ent,Plot No.46, No.3A, Pallam Street,(Opp.to Bharat Petrol Bunk) Secretariat Colony, Ambattur, Integrated Ent,NO.W-65 A1, TLV Manor, Gr Flr, ( Opp Twr Club), Annanagar, Integrated Ent, New No.8, II Flr, 10th Avenue, (Abv Krishna Sweets), Ashok Nagar, Integrated Ent,No.53 and 55, First Flr, Shop-C, Stn Rd, Radha Nagar, Chrompet, Integrated Ent,New No 227, Thambu Chetty Street,First Flr (Nr Kalikambal Kovil),George Town, Integrated Ent,New No. 18/1, Gr Flr, Balaiah Avenue, Mylapore, Integrated Ent,15, 14th Street, 3rd Main Rd, Nanganallur, Integrated Ent,56, Madhavaram High Rd, First Flr, Opp.SBI, Perambur, Integrated Ent,NO.9, Vinayagar Koil Street, New Colony, ( Nr St. Johns School) Porur, Integrated Ent,No.15/137, Sakthi Vinayagar Koil Street, Sakthivel Nagar, Peravallur, Integrated Ent,135, (Old No.33), 1st Flr, Ayyaswamy Street, (Opp to ICICI Bk & Nilgiris ),West Tambaram, Integrated Ent,42/1, Motilal Street, T.Nagar, Integrated Ent,1st Flr, Kences Twrs, 1, Ramakrishna Street, North Usman Rd, T.Nagar, Integrated Ent,189/2, 100 Feet By-pass Rd, Next to Appasamy Hospital,Vijayanagar,Velachery, Integrated Ent,Block-E, B-1 Giri Apartments,26-A Arcot Rd, Virugambakkam, Integrated Ent,36, Thambaiah Reddy Rd North Extn, West Mambalam, JM Fin,Gee Gee Crystal - 5th Flr,91-92. Dr.Radhakrishnan Salai,Mylapore, Karvy,48, First Main Rd,First Flr, Nanganallur, Karvy,7, Sriperambadur Rd,Manavalan Nagar, Thiruvallur, Karvy,77 A, Naidu Shop Rd, First Flr, Radha Nagar Main Rd, Chrompet, Karvy,A- 8, 3Rd Flr, Mahbubani Twrs,No. 48, Dr. D N Rd, T. Nagar, Karvy,Doshi Gardens, Shop No.10, 2Nd Flr, D-Block,174, N S K Salai, Vadapalani, Karvy,F-22, Prince Twr,94-113, Purasaiwakkam High Rd, Karvy,F-3, Adayar Business Court, Old No.25,New No 51,Gandhinagar 1St Main Rd, Karvy,G-1, Swati Court, 22, Vijaya Raghava Rd,T Nagar, Karvy,Sundar Krishna Cmplx, 3Rd Flr,No.8, Luckmodoss Street, Karvy,T-92, Gr Flr,3Rd Avenue Main Rd,Nr Hotel Nalas Appa Kadai, Annagar, Kotak Sec,GRR Business Cneter, No.21, Vaidyaraman Street, T Nagar, Reliance Sec,Reliance House, Gr Flr, No. 6, Haddows Rd, Opp.Shashtri Bhanan, Nungambakkam, Religare Sec,4th Flr, City Twr, No. 117, Theagaraya Rd, T. Nagar, RR Equity,3rd Flr.,Percision Plaza,New -397, Teynampet, Anna Salai, Sharekhan,G-2,Salzburg Square,107-Harrington Rd,Chetpet, SMC Global,2nd Flr, A Mookambika Cmplx,No.4, Lady Desikachari Rd,Mylapore, Standard Char Sec,Jamals Santhini, 1/1, II nd Main Rd, Seethammal Colony, Alwarpet, Standard Char Sec,W-123, 1st Flr, 3rd Avenue, Anna Nagar, Systematix Shares,4th Flr, Block C & D; Ega Trade Cntr,809, Poonamallee High Rd, Kilpauk, COIMBATORE :Bajaj Cap,No. 575, D.B. Rd, First Flr, (Nr Head Post Office) R.S. Puram, HDFC Sec,Ashirwad, 36, D. B. Rd, R.S. Puram, IDBI Capital,2nd Flr, 16, Sathya Moorthy Rd, Opp. Ayyapaseva Sangam, Ramnagar, Integrated Ent,Janaki Apts., Gr Flr, 29/176, Ramalingam Rd (West), R.S. Puram, Integrated Ent,Shop No.19 / 20 Gr Flr, Aarpee Cntr,320 N NSR Rd, Saibaba Colony, Karvy,29/1, Chintamani Nagar, Opp. Indian Overseas Bk,Nsr Rd, Saibaba Colony, Karvy,Jaya Enclave, 1057/1508,Avanashi Rd, Kotak Sec,1st Flr, Red rose chamber, 1437,Trichy Rd, Religare Sec,Gowtham Cntr, No. 14, 2nd Flr, 1055 / 22, Avinashi Rd, Sharekhan,Vignesvar Cresta,2nd Block 3rd Flr,1095-Avinashi Rd,P N Palayam, CUTTACK :Karvy,Dargha Bazar,1st Flr, Karvy,Opp. Jagannath Petrol Pump, Arunodaya Market,Link Rd, DEHRADUN :Bajaj Cap,15, Rohini Plaza, 11-E Rajpur Rd, Karvy,48/49, Patel Market, Opp. Punjab Jewellers,Nr Gandhi Park, Rajpur Rd, Karvy,Kaulagarh Rd,Nr Sirmour Rd, Kotak Sec,1st Flr, Swaraj Cmplx, 72, Rajpur Rd, Opp Hotel Madhuban, Religare Sec,303, IInd Flr, Laxmi Chambers, 69, Rajpur Rd, Opp. Meddo Plaza, RR Equity,56, 1st Flr, Rajpur Rd,Opp. Madhuban, DHANBAD :Bajaj Cap,Ozone Plaza, 1st Flr, Bk More, HDFC Sec,2nd Flr, Commerce House 2, Shastri Nagar, Integrated Ent,Shri Ram Plaza, 3rd Flr, Shop No.308, Bk More, Kotak Sec,1st Flr, Commerce House - 2, Abv Ashoka Bajaj Showroom, Shastri Nagar, RR Equity,218,Sri Ram Plaza 2nd,Flr Bk More, DURGAPUR :HDFC Sec,Kwality Hotel Cmplx,1st Flr,Bhiringi more,Nachan Rd, Karvy,Old Dutta Automobile Bldg,1St Flr, Benachity, Malancha Rd, RR Equity,Banerjee House- Dakshinayan Durgapur, ERODE :Karvy,4, Veerapan Traders Cmplx, Opp. Erode Bus Stand,Kmy Salai, Sathy Rd, Sharekhan,Akhil Plaza, Block No.1, T.S.No.121, Perundurai Rd, Opp to Padmam Restaurant, FARIDABAD :Karvy,A-2B, 1St Flr,Neelam Bata Rd, NIIT, RR Equity,Shop No. 55, 1st Flr, Nr Flyover,Neelam Chowk,NIIT, GANDHIDHAM :Karvy,Office No.12, Komal Cmplx,2Nd Flr, Plot No 305,Nr Shivaji Park, Sector 12-B, Religare Sec,1st Flr, Khalsa Avenue, Sector - 1/A Plot No 210, Kutcha Kala Rd, GHAZIABAD :HDFC Sec,1st Floor, C-53, Raj Nagar Dist Center, Next to HDFC Bank, Rajnagar, Karvy,1st Floor,C-7, Lohia Nagar, RR Equity,114, Satyam Complex, Raj Nagar DC, Raj Nagar, GORAKHPUR :Bajaj Cap,Gr Flr, A D Twrs, Bk Rd, Karvy,Abv V.I.P. House,Adjacent A.D. Girls College, Bk Rd, RR Equity,Gupta Metal Stores, Harbans Gali, Hindi Bazar, GUNTUR :Integrated Ent,6-9-15,9/1 Aurndelpet, Karvy,10/1,Sai House,Arundelpet, GURGAON :Bajaj Cap,Sec 14 102, AKD Twr, Upper Gr Flr, Nr HUDA Office, Sector-14, Bajaj Cap,Super Mart B-201, Super Mart - 1, DLF City Phase - IV, HDFC Sec,O- 139, 1st Flr, DLF Shopping Mall, DLF Phase -1, Karvy,Shop No.18, Nr Huda Office, Gr Flr,Opp. Akd Twr, Sector 14, Kotak Sec,O - 107 Arjun Shopping Mall, Arjun Nagar, DLF Phase1, RR Equity,101,Apna Bazaar, Sharekhan,GF 10 JMD Regent Square,DLF Phase II,Nr Chakarpur Opp Sahara Mall,Main Mehrauli Gurgaon Rd, GUWAHATI :Bajaj Cap,Room No.102, 1st Flr, Dunfur Apartment, R G Baruah Rd, HDFC Sec,1st Flr, Pushpanjali Cmplx, 126, G.S. Rd, Bhangagarh, Village Japorigog, Mouza Beltola, District Kamrup, IDBI Capital,C/o IDBI Ltd., IDBI House, 4th Flr, North Eastern Zonal Office, G. S. Rd, Karvy,2Nd Flr, Ram Kumar Plaza, Chatribari Rd,Nr Himatshinga Petrol Pump, Kotak Sec,Akshay Twr, 4th Flr, Opp. Rupayan Arcade, Fancy Bazar, S.S. Rd, Religare Sec,4th Flr, Ram Kumar Plaza, Chatribari Rd, Nr Himatsingka Petrol Pump, GWALIOR :Karvy,52, Mayur Market, First Flr,Nr Petrol Pump, Thatipur, Gandhi Rd, Karvy,Nr Nadigate Pul, Mlb Rd,Shinde Ki Chawani, HISSAR :Karvy,SCO 71, Red Square Market,1st Flr, Religare Sec,SCF - 8, Red Square Market, HUDA Commercial Estate No-1, HUBLI :Kotak Sec,V A Kalburgi Cmplx, Gr Flr, B/ss Vivekanand corner, Desai Cross, Deshpandenagar, Religare Sec,Shop- 4, Pacific Plaza, Vivekanand Hospital Rd, Deshpande Nagar, HYDERABAD :ENAM SECURITIES DIRECT PVT LTD,63-650/217B & C, MAHESHWARI CHAMBERS, 2ND FLOOR,SOMAJIGUDA,Ph:39893626/30658502, Bajaj Cap,3-6-522, 2nd & 3rd Flr, Archies Showroom, Opp. KFC, Himayath Nagar, Bajaj Cap,No.3/MIG-I, Nr ICICI Bk, K.P.H.B. Colony, Kukatpally, Bajaj Cap,Shop No. 4, Gr Flr, Swarnajayanthi Cmplx (HUDA) Ameerpet, Bajaj Cap,Shop No.10, First Flr, Minerva Cmplx, 94, S.D. Rd, Secunderabad, Centrum Broking,6-3-1111/311, Babukhan Mall,Somajiguda, HDFC Sec,Gr Flr, 7-1-210, Ameerpet, IDBI Capital,C/o IDBI Ltd., 3rd Flr, IDBI House, D. No. 5-9-89 / 1 & 2, Chapel Rd, P. B. No. 370, Integrated Ent,No.5-10-197/A, G4, I Flr, Reliance Krishna Apts, B/s Kalanjali Bhavan, Navad Pahad, Hill Fort Rd, Basheernbagh, Integrated Ent,202,Second Flr, Karan Cntr Sarojin Devi Rd, Secunderabad, JM Fin,9-10 Uma Chambers,3rd Flr, Banjara Hills, JM Fin,3rd Flr, 305 Jade Arcade, Opp Paradise Hotel, M G Rd, Secundrabad, Karvy,15-6-464/470, 1St Flr,Salasar Cmplx, (Nr Fish Market), Begum Bazar, Karvy,1st Flr, Plot No.2, 1-1-128/B, Chanda Nagar,Serilingampally, Nr BHEL, Karvy,3-6-196/197, First Flr,Himayat Nagar, Karvy,Bldg-160 (Part),Opp. Mayfair Cmplx, Rasoolpura, S P Rd, Secunderabad, Karvy,Block-176, Opp. Chola Residency,Old Vasavi Nagar, Kharkana, Secunderabad, Karvy,Karvy Cntr, Gr Flr,Avenue 4,Street No.1, Banjara Hills, Karvy,Sai Vikram Twrs, 1St Flr Flat No 11, Kukatpally Main Rd,Nr Kukatpally Bus Stop, Kukatpally, Karvy,Vijetha Golden Empire, Flat No. 103, First Flr,H No.16-11-762/762B & C, B/s Anadal Nilayam, Moosarambagh, Kotak Sec,9-1-777, 4th Flr, B/s ITC Bldg, S D Rd, (LANE Opp to DBR Diagnosis), Motilal Oswal Sec,201, Lumbini Amrutha Chambers,Nr Nagarjuna Circle, Rd No.3, Banjara Hills, Reliance Sec,101/A, Sagacitys Sivarama Twrs,3-6-288/3, Hyderguda, Religare Sec,2nd Flr,7-1-59/2&59/6, Mandhana Twrs,Ameerpet, Religare Sec,Cauvery City Plaza, IInd Flr|| Sunder Nagar, Sharekhan,7-1-22/3/1-5/C,Afzia Twrs,1st Flr,Begumpet, Standard Char Sec,UG - 13, Mekins Maheshwari Mayank Plaza, 6-3-866 / 1 / A, Greenlands, Ameerpet, Systematix Shares,3-6-142/A/3,2nd Flr,Opp.HDFC Bk Ltd,Abv Galaxy Caf,Himayat Nagar Main Rd, INDORE :Bajaj Cap,Shop No. 3, City Plaza, M.G. Rd Nr Regal Cinema, HDFC Sec,Portion 102/103, 1st Flr, Sterling Arcade, Plot no. 15/3, Race Course Rd, IDBI Capital,Plot No. 11A / A, 1st Scheme No. 54, Opp. Satya Sai School, Vijay Nagar, A. B. Rd, JM Fin,UG-7 & 8, Gr Flr, D M Twr,21/1, Race Course Rd, Karvy,Balaji Coporate, 19/1, New Palasia,Nr Jangeerwala Chowraha, Kotak Sec,314, Citi Cntr, 570, M.G. Rd, Religare Sec,Mazznine Flr, Sterling Twr, 2, M.G. Rd, RR Equity,206 Gold Arcade, 1/3 New Palasia, Sharekhan,102-104 Darshan Mall,15/ 2 Race Course Rd, Standard Char Sec,UG - 4,5 & 6, Royal Diamond, Y.N. Rd, Opp.St Bk Of Indore, Systematix Shares,206/207, II Flr, Banshi Trade Cntr,565 / 581M G Rd, JABALPUR :Kotak Sec,Jain Twr, 3rd Flr, Ruseel Chowk, Religare Sec,Gr Flr, 1627, Shastri Bridge Chowk, Napier Town, RR Equity,Shop No. 5, Unique Twr, Shashtri Bridge Chowk,Opp. ICICI Bk, Sharekhan,2nd Flr, Mangalam Bldg, 103, Napier Town, Shastri Bridge Rd, JAIPUR :Bajaj Cap,G-3, Anukampa Twr, Opp. SangamTwr, Church Rd (M. I. Rd), HDFC Sec,B-5, Lalkothi, District Shopping Cntr, Tonk Rd, IDBI Capital,314 3rd Flr, Ganpati Plaza, M. I. Rd, JM Fin,JM Financial,G-7 & G-8,Brij Anukamba,Plot No.K-13, Ashoka Rd,C-Scheme, Karvy,S-16/A, Land Mark, Opp. Jai Club,Mahaveer Rd, C - Scheme, Kjmc Capital,41, Jai Jawan Colony, II Tonk Rd, Nr Sanghi Motors, Durgapura, Kotak Sec,305-308, 3rd Flr, Green House, O-15,Ashok Rd, C-Scheme;, Reliance Sec,Fourth Flr Green House,Ashok Rd,C-Scheme, Religare Sec,502, Luhadia Twrs, K - 11, Ashok Rd, C - Scheme, Religare Sec,No.501& 605, 5th & 6th Flr Luhadia Twr, K-11, Ashok Rd Nr Ahinsa Circle, C Scheme, RR Equity,7,Katewa Bhawan,Opp. Ganapati Plaza, MI Rd, Sharekhan,7 Katewa Bhawan,Opp Ganpati Plaza,M. I. Rd, Sharekhan,Flat No 401/402, 4th Flr, Green House,Ashok Rd, C-scheme, SMC Global,401,Fourth Flr Shyam Anukampa Opp HDFC Bk, Ashok Rd, C-scheme, Standard Char Sec,8, Katewa Bhawan, 1st Flr, Opp. Ganpati Plaza, M.I. Rd, Systematix Shares,201, GauravTwr,Malviya Nagar, JALANDHAR :HDFC Sec,Landmark, 2nd Flr ( front side), 188-A, Model Town, Karvy,Lower Gr Flr, Office No.3, Prime Twr,Plot No.28, G T Rd, Kotak Sec,2nd Flr, 465, Lajpat Nagar Market;, Religare Sec,Gobind Niwas, 2nd Flr, 36 GT Rd, JALGAON :Karvy,Laxminarayan Plaza, 148, Navipeth,Opp. Vijaya Bk, JAMMU :Karvy,1st Flr, 29 D/C, Nr Service Selection Board,Gandhi Nagar, JAMNAGAR :HDFC Sec,Office No. 401, 4th Flr, MADHAV SQUARE, Limda Line Rd, Opp. Avantika Cmplx, Karvy,G-12,Madhav Plaza,Opp-Sbi Bk,Nr Lal Bunglow, Kotak Sec,701, 5th Flr, City Point, Stn Rd, Nr Town Hall, Sharekhan,4/5, Avantika Commercial Cmplx, 2nd Flr, Limda Lane Corner, JAMSHEDPUR :HDFC Sec,2nd Flr,Shaurya Arcade,New SNP area,sakchi, Integrated Ent,Shop No.8, Meghdeep Apts, H No.5, Line No.2, Q Rd, Bistupur, Karvy,3rd Flr, Kanchan Twrs,3 Sb Shop Area, Bistupur Main Rd, Kotak Sec,Bharat Business Cntr, Ho No.2, 2nd Flr, Rm No. 8, Ram Mandir Area Bistupur, Sharekhan,B1/2, 2nd Flr Bhadani Trade Cntr,Bistupur, JODHPUR :HDFC Sec,3rd Flr, 178, Narayanam, Upper Chopasni Rd, Karvy,203, Modi Arcade,Chopskini Rd, Kotak Sec,1st Flr, Gulab Bhawan, Chopasani Rd, Religare Sec,644, 3rd Flr, Nr Manidhari Hospital, Residency Rd, RR Equity,77, Prem Vihar, Opp-Chopasni School,Chopasni Rd, Sharekhan,A-3 1st Flr,Olympic Twr,Stn Rd, SMC Global,201, Poonam Cmplx, III-C Rd, Sardapura, KANPUR :Bajaj Cap,106, Ratan Esquire, 14/144, Chunni Ganj, HDFC Sec,515 & 516 Kan Chamber1 14/113 Civil Lines, Karvy,15/46, Civil Lines, Nr Muir Mills,Stock Exchange Rd, Karvy,81/4, Block No. 9,Govindnagar, Kotak Sec,312315, 3rd Flr, 14/113, Kan Chambers, Civil Lines, Nr UP Stock Exchange, Religare Sec,1,Gr Flr, Kan Chabmers, 14/13, Civil Lines, RR Equity,26 L.G.F. Roland Twr 17/5 The Mall, Standard Char Sec,15 / 59, O Civil Lines, KARAIKUDI :Integrated Ent,Mahendra Cmplx, 7/1, Poisollameyyar Street, New Town, KOCHI :Bajaj Cap,Rubicon Bldg, S.A. Rd, South Over Bridge, Valanjambalam, HDFC Sec,Sudhas Bldg,2nd Flr, Madhav Pharmacy Junction, Bannerjee Rd, Ernakulam, IDBI Capital,2nd Flr, Pavana House, K. P. Vallon , K. P. Vallon Rd, Kadavanthra, Integrated Ent,RAJ SOUDH, I Flr, 39/3477, M.G.Rd, Ernakulam, Karvy,1st Flr, Pindys Cmplx,Market Junction, Tripunithura, Karvy,7/462, B5, Trans Avenue, Ne Ekm Dist Coop Bk,Headquarters, Kakkanad, Karvy,D. No. 6/0290, Opp. Hazi Essa School,Gujarathi Rd, Mattancherry, Karvy,G 39, Panampally Nagar,Opp. Kerala State Housing Board, Kotak Sec,40/1400, 11th Flr, Ensign Enclave, Jos Junction, M.G. Rd., Religare Sec,35/65-D,3rd Flr, Thadikaran Cntr, Palarivattom, Sharekhan,Chicago Plaza, 1st Flr, Rajaji Rd, Ernakulam, Standard Char Sec,1st Flr, Sana Twr, 39/2579C, M.G. Rd, Ernakulam, KOLHAPUR :Bajaj Cap,Gr Flr, Damodar Enclave Apartment, 10th Lane, Rajaram-puri, HDFC Sec,Office No. 7A, 1st Flr, Gemstone, 517/2, New Shahupuri, Nr Central Bus Stand, Karvy,Omkar Plaza 1 St Flr,Unit F - 2 & F - 4,Rajaram Rd, Bagal Chowk, Religare Sec,C-3, 1st Flr, Royal Prestige, E-Ward, Sykes Extension, Sharekhan,Office No 5, 3rd Flr, Ayodhya Twr, C S Number 511/KH, 1/2 E Ward, Dhabolkar Corner, KOLKATA :ENAM SECURITIES DIRECT PVT LTD,S-205, IDEAL PLAZA, 11/1,SARAT BOSE ROAD,Ph:32426310/30588154, Bajaj Cap,182, Jessore Rd (Satgachi Crossing), Dum Dum, Bajaj Cap,25/A, Raja Ram Mohan Roy Rd, Bajaj Cap,5th Flr, Room No. 507, 7/1, Lord Sinha Rd, Bajaj Cap,9, Ezra Street, Bajaj Cap,B-9/20 (C. A), P O. Kalyani, Dist. Nadia, Kalyani, Bajaj Cap,C-36, Lakshmi Narayan Colony, Po. Naktala, PS. Jadavpur, Bajaj Cap,First Flr, 4 Jatin Bagchi Rd, Bajaj Cap,Gagananchal Cmplx, Shop No. 38A, 37, Dr. Abani Dutta Rd, Howrah, Bajaj Cap,Gr Flr, Shop No. 9, ShreeramNagar, Teghoria, V I P Rd, Bajaj Cap,Martin Burn House, Gr Flr, Room No. 15, 1, R N Mukherjee Rd, Bajaj Cap,Mezanine Flr, Flat No. 3, P - 24A, C I T Rd Scheme VI M, Bajaj Cap,Sec-I BF-192, Sec-I, Salt Lake, Bajaj Cap,Sec-V Plot No. IX-16, Block EP & GP, Sec-V, Salt Lake, Centrum Broking,Suite No. 307, 3rd Flr., Central Plaza, 2/6, Sarat Bose Rd, HDFC Sec,4, Clive Row, Jardines, 3rd Flr, Dalhousie, HDFC Sec,8, Chittranjan Avenue, Barick Bhawan, 3rd Flr, IDBI Capital,Suit No 2 B, 228 A, Landmark Bldg - Seconf Flr, Mintopark,AJC Bose Rd, Integrated Ent,Trikut,Flat No.1-B, 4C Lansdowne Place, Opp. Rd of Ramakrishna Mission Hospital, Integrated Ent,No. 210, A-Wing,2nd Flr, 24.Hemanta Basu Sarani,Mangalam, Integrated Ent,BA-37, Sector -1, PNB Island, Integrated Ent,D/122, Ramgarh, P.O.Naktala, Garia Ganguli Bagan, JM Fin,Kankaria Estate, 8th Flr,6th Little Russell Street, Karvy,19, R N Mukherjee Rd, 2nd Flr, Dalhousie, Karvy,22N/1, Block A,New Alipore, Karvy,49, Jatin Das Rd,Nr Deshpriya Park, Karvy,493/C/A, G. T. Rd (S),Block-G, 1St Flr,Vivek Vihar, Howrah, Karvy,Ad-60, Sector - 1,Salt Lake City, Karvy,P-335, Cit Scheme,6M,Phoolbagan, Kotak Sec,7th Flr, Apeejay House, Block C, 15, Park Street, Kotak Sec,Govind Bhavan, Gr Flr, 2, Biplabi Trilokya Maharaj Sarani(Brabourne Rd), Motilal Oswal Sec,3rd Flr, Constantia Bldg,Dr. U. N. Bramachari Street, Reliance Sec,107 A, Rashbehari Avenue, 2nd Flr, South Kolkata, Religare Sec,Unit410, North Block, 4th Flr, Ideal Plaza, 11/1,Sarat Bose Rd, RR Equity,704,Krishna Bldg.,224,AJC Bose Rd, Sharekhan,Kankaria Estate,1st Flr, 6-Little Russell Street, SMC Global,18,Rabindra Sarani Podder Court Gate No.4, 5th Flr, Standard Char Sec,Mangalam Bldg., 24 & 26, Gr Flr, Hemanta Basu Sarani, Dalhousie, Standard Char Sec,Premises No 152 First Flr, S.P Mukherjee Rd, Standard Char Sec,Shree Manjiri, 1st Flr, 8/1, Sir William Jones Sarani, Camac, Systematix Shares,1 Old Court House corner,Tobacco house,2nd Flr, KOTA :Karvy,29, Shopiing Cntr,1st Flr, Kotak Sec,D-8 First Flr, Shri Ram Cmplx, Opp Multipurpose School, Gumanpura;, Religare Sec,D-8, Unit No.- 104-105, Shriram Cmplx, Opp. Multipurpose School, Gumanpura, SMC Global,4-A-6 Talwandi Kota, Systematix Shares,1st Flr, 18 Sindhi Colony,Rawath Bhata Bus Stand Rd, Gumanpura, LUCKNOW :Bajaj Cap,5, Commerce House, Habibullah Compound, 11, M.G. Rd, Hazratganj, HDFC Sec,56-57, Chander Nagar, 2nd Flr, Alambagh, IDBI Capital,1st Flr, Halwasiya House, 11 M. G. Rd,Hazratganj, Integrated Ent,207 - A, 2nd Flr, Saran Chambers II, 5, Park Rd, Karvy,24, Usha Sadan,Prem Nagar, Ashok Rd, Karvy,94, Mahatma Gandhi Rd,Opp. Governor House, Hazratganj, Karvy,B-1/2, Vijay Khand,Nr Union Bkof India Gomti Nagar, Karvy,Hig-67, Sector E,Aliganj, Karvy,Ksm Twr, Cp-1 Sinder Dump,Alambagh, Karvy,Tej Krishan Plaza,313/9, Khun Kunji Rd, Chowk, Kotak Sec,1-2 Gr Flr, Commerce House, Habibullah Estate,11 M.G. Rd, Kotak Sec,A-1 ; Ashish Palace,Sector E,Aliganj, Reliance Sec,1st Flr, Metro Chambers, Abv ICICI Bk, adjacent to Shalimar Twr, Opp. Mandi Parishad, Vibhuti Khand, Gomti Nagar, Religare Sec,Gr Flr, RIZ Bldg, 5 Park Rd, RR Equity,G-32,Shriram Twr,13- A,Ashok Rd, Sharekhan,2/159, Vivek Khand, Gomti Nagar, Sharekhan,1st Flr Marie Gold, 4 Shahnajaf Rd,Hazratganj, SMC Global,Radha Krishna Bhawan, Plot No. 3/A, 5 Park Rd, Systematix Shares,12-B N Ghai Lane 120/1Lal Bagh 2nd flr Indra Karan Plaza, LUDHIANA :Bajaj Cap,M-3, ABC Services, SCO-137, Feroze Gandhi Market, HDFC Sec,Unit no. IV, 1st Flr, First Mall, Mall Rd, Karvy,SCO 136, 1St Flr,Feroze Gandhi Market, Kotak Sec,SCO-122, 2nd Flr, Firoz Gandhi Market, Religare Sec,SCO.1617,4th Flr, Fortune Chambers, F Gandhi Market, MADURAI :Bajaj Cap,Suriya Twrs, No.5, First Flr, 272/273, Good Shed Street, HDFC Sec,1st Flr, 232, Naicker New Street, Integrated Ent,82, 1st Flr, Vakkil New Street, Karvy,274, Goods Shed Street, Karvy,Plot-654 - 80 Feet Rd,Next To Lakshmi Arasu Kalyana Mandapam, K K Nagar, Karvy,Rakesh Twrs, Opp Nagappa Motor,No.30, By Pass Rd, Kotak Sec,Shop A First Flr, KRV Arcade, AR PLAZA 16 & 17, North Velli Street, Religare Sec,16/17, North Veli Street, C - 2, A R Plaza, III Flr, MANGALORE :Bajaj Cap,Essel Twrs, BS 4, Bunts Hostel Circle, HDFC Sec,Kayar Manj, 2nd Flr, M. G. Rd, IDBI Capital,1st Flr, Bridge Square, Balmatta Rd, Integrated Ent,F-1, 1st Flr, Ram Bhavan Cmplx, Kodialbail, Karvy,Mahendra Arcade, No.4-6-577/21/22,Kodiabail, Kotak Sec,No.4, 3rd Flr, The Trade Cntr, Jyoti Cntr, Bunts Hostel Rd, Nr Jyoti Circle, RR Equity,F-2 1st Flr Adithi Arcade Karangalpay, Sharekhan,T-1 3rd Flr,Utility Royal Twr,K S Rao Rd, MEERUT :Bajaj Cap,G-43, Ganga Plaza, Nr Begam Bridge, HDFC Sec,177/1 P P Plaza, 2nd Flr, Opp. CCS University, Mangal Pandey Nagar, Karvy,1st Flr, Medi Cntr,Opp Eves Cntr Hapur Rd Nr Bachha Park, MEHSANA :HDFC Sec,Shop no. 12 & 13, 2nd Flr, Prabhu Cmplx, Nr Patel Automobiles, MORADABAD :Karvy,First Flr, Singh Bhawan,Chowk Taari Khana Gmd Rd, Religare Sec,Chadha shopping Cmplx, IInd Flr, GMD Rd, MUMBAI :ENAM SECURITIES PVT LTD,KHATAU BUILDING, 2ND FLOOR, 44 BANK STREET, OFF SHAHID BHAGATSING ROAD, FORT,Ph:22677901, ENAM SECURITIES PVT LTD,HARI CHAMBER, GROUND FLOOR, 58/64, SHAHID BHAGAT SINGH ROAD, FORT,Ph:22677901, ENAM SECURITIES DIRECT PVT LTD,201-A, LAXMI TOWERS, BANDRA KURLA COMPEX, BANDRA (E),Ph:66803600, Bajaj Cap,16, Shoppers Point, Behind Motimahal Restaurent, S V Rd, Andheri - (W), Bajaj Cap,Agra Bldg, Gr. Flr, 7/9 Oak Lane, Fort, Bajaj Cap,Office No. 8, Nandashish Bldg, R. B. Mehta Rd, Ghatkopar (E), Bajaj Cap,R.No 5, Abv Khandelwal Sweets, Opp Thane Rly Stn, Gokhale Rd, Thane (W), Bajaj Cap,Rashesh Bldg, Shop no. 11, 1st Flr, Nr Maxus Mall, 150 ft Rd, Bhayandar (w), Thane, Bajaj Cap,Room No.1, Gr Flr, Sunil Sadan Opp Grand Central Restaurant, M.D.S Rd, Chembur (E), Bajaj Cap,Shop no - 3, Chaman House Co-op Hsg Society,plot no - 34,B/s IDBI Bk Atm, Sion (E), Bajaj Cap,Shop No 1, Dhara Cmplx, Plot No. 3&4, Sec-No 44, Seawoods, Nerul, Navi Mumbai, Bajaj Cap,Shop No 11, Gr. Flr, Dheeraj Heritage Bldg, SV Rd, Santacruz:(W), Bajaj Cap,Shop No 3, 5th Flr, Tardeo Airconditioned Market, Bajaj Cap,Shop No 61, Vasant Sagar, Krishna Bldg, Opp Thakur Cinema, Thakur Village, Kandivali (E), Bajaj Cap,Shop No. 5, Abdul Kadar Jilani Bldg, Gokhale Rd, Opp. Portugese Church, Dadar (w), Bajaj Cap,Shop no.1, Shantinath Apt, Opp star Apt, S V Rd, Borivali (w), Centrum Broking,Centrum House, 4th level, CST Rd, Vidya Nagari Rd, Kalina, Santacruz (E), HDFC Sec,Shop No.10, Gr Flr, Bhomi Saraswati Bldg., Ganjawala Lane, Nr Chamunda Circle, Borivali-w, HDFC Sec,PG-2, Rotunda Bldg. Bombay Stock Exchange, Mumbai Samachar Rd, Fort, HDFC Sec,I Think Techno Campus, Bldg - B, Alpha, 8th Flr, Nr KanjurRd Stn,KanjurRd (E), HDFC Sec,Shop No. 5, Persian Co-op Housing Society, V. P. Rd, Nr BMC Bk, Andheri (W), HDFC Sec,Shop no.3, Gr Flr,Ankur Housing Society Ltd., K.S.Gadgil Rd, Behind Siddhivinayak Mandir, Prabhadevi, HDFC Sec,Ashok Apartments, Shop No. 3 & 4, Gr. Flr, Opp. Naupada Police Stn, Thane (W), IDBI Capital,Mafatlal Cntr, 3rd Flr, N Pt, IDBI Capital,Shop No. B 4, E Wing, Crystal Plaza, Opp. Infinity Mall, Off New Link Rd, Adarsh Nagar,Andheri (w), IDBI Capital,Shop No. 8, Thacker Twr Premises, Co-Op Society Ltd., Plot No. 86, Sector 17, Vashi, Navi Mumbai, IDBI Capital,Shop No.3, Vikas Palm,Village Pachpakhadi, Integrated Ent,Room No. 210, 2nd Flr, Cntr Square, S.V. Rd, Andheri (W), Integrated Ent,Shop no 7, Veena Beena Cmplx, Opp Bandra Rly Stn, Integrated Ent,No. 4, Gora Gandhi Apts, I Flr, Abv Hotel Samrat, Chandavarkar Lane,Borivali, Integrated Ent,11 and 12, Gr Flr, Neelkanth Commercial Cmplx, Next to Hotel Orchids, Govandi Rd, Chembur, Integrated Ent,F - 4, Gr Flr, F. Kasturchand Bldg, Gokhale Rd South, Opp Portugese Church, Dadar (w), Integrated Ent,107, Triveni Bldg, 1st Flr, Opp. Nityanand Hotel, Jawaharlal Nehru Rd, Dombivli (E), Integrated Ent,59, Sonawala Bldg, Gr.Flr, Bombay Samachar Rd, Fort, Integrated Ent,Shop No. 24, Gr Flr, Odeon Shopping Cntr, Vallabhbaug Lane, Ghatkopar (E), Integrated Ent,No.7 1st Flr,Abhishek commercial Cmplx,Abv Dena Bk,Plotno.104,S V Rd Malad (W), Integrated Ent,Shop No 15, Old Mahavir Bldg,Mahavir Market,Bhandarkar Rd,Matunga (E), Integrated Ent,S-13-14, Gala Kunj Apartments, Dr.Ambedkar Rd, Mulund (W), Integrated Ent,102,Shree Krishna Cmplx CHS Ltd.Dada Patil Wadi, (Next to Ganesh Twrs) Thane-W, Integrated Ent,No.22, 1st Flr, 41,Amrapali Arcade, Vasant Vihar, Pokhran Rd 2, Thane-W, Integrated Ent,Shop No 32, Gr Flr, J.K.Chamber Co Op Hsg Society, Sector 17, Vashi, New Mumbai., Integrated Ent,Shop No.105, 1st Flr, Super Market, Monghibai Raod, Next to Bk of Maharashtra, Vile Parle (E), Integrated Ent,7 and 8 Arthshilp, Gr.Flr, 1349, 1350, Shukrawar Peth, Bajirao Rd, JM Fin,1st Flr, Patel House, Next to Bk of Baroda,M G Rd, Vileparle (E), JM Fin,Palm Court, M- Wing, 4th Flr, Goregaon Link Rd,Malad (W), JM Fin,Gr Flr, Anushka, New Link Rd,Andheri (W), JM Fin,2,3,4 Kamanwala Chambers,P M Rd, Fort, JM Fin,Shop No 6, Dattani Trade Center,Chandra Varkar Rd, Borivali (W), JM Fin,424/425 Kalidas Plaza, V B Lane,Ghatkopar (E), Karvy,101 Sapna Bldg, Abv IDBI Bk,S K Bhole Rd, Dadar (W), Karvy,103, Jivan Chaya Bldg.,Ram Maruti Rd, Naupada, Thane (W), Karvy,16/26, 16/22, Transworld, Maharashtra Chambers Of,Commerce Lane, Opp Mcs Bk, Fort, Karvy,207,Jeevan Udyog Bldg, 2Nd Flr,Abv Khadi Bhandhar,D N Rd, Fort, Karvy,29,First Flr, Patel Shopping Cntr,Opp. Foodland Restaurant,Sainath Rd, Malad (W), Karvy,7, Andheri Industrial Estate,Off:Veera Desai Rd, Andheri (W), Karvy,B-153, Vashi Plaza,Sector 17, Vashi, Navi Mumbai, Karvy,Room No.115, Arun Chambers, 1St Flr,Next To A/C Market, Tardeo, Karvy,Shop-10,Plot No.71-B,Shram Safalya,Nr Chembur Stn,Opp Vhaishali Hotel,Chembur (E), Kjmc Capital,168, Atlanta 16Th Flr, N Pt, Kotak Sec,32, Gr Flr., Raja Bahadur Compound, Opp Bk of Maharashtra, Fort, Kotak Sec,6th Flr, Kotak Twrs, Bldg No. 21, Infinity Park, Off Western Express Highway, Goregaon Mulund Link, Rd, Malad (E), Kotak Sec,Nirlon House, 3rd Flr, Dr Anie Besant Rd, Nr Passport Office, Worli, LKP Sec,Bk Of Maharashtra Bldg., 45/47, Bombay Samachar Rd, Fort, Motilal Oswal Sec,Queens Mansion,2nd Flr, 44, A. K. Naik Rd, Behaind Khadi Gramodyog, Reliance Sec,11th Flr, R-Teck Park, Nirlon Cmplx, W E Highway, Goregaon (E), Religare Sec,301/302, Viraj Twr, Gundavali, Western Express Hightway,Nr landmark Bldg, Andheri (E), RR Equity,18 First Flr,105 bombay Samachar Rd.,Fort, RR Equity,133A, Mittal Twr, A Wing, 13th Flr, N Pt, Sharekhan,Gogate Mansion,Gr Flr 89-Jagannath Shankar Seth Rd,Girgaum,Opera House, Sharekhan,20;Rajabahadhur,Mansion, 1st 5g,2nd Flr, Hamam street, Fort, Sharekhan,Shankar Ashish Bldg, 1st Flr, R.S.Rd, Chandavarkar Cross Rd lane, Abv HDFC Home Loans, Nr ICICI Bk,Borivali (W), Sharekhan,301 & 302, 3rd Flr, Manibhuvan Co-op Hsg Soc.Ltd., Plot No.343, Abv ICICI Bk, S.V.Rd, Pahadi Village, Goregaon(W), Sharekhan,Plot No - 1012, Godawn, Devi Dayal Compound,Next to Crampton & Greaves,Kanjur Village Rd,Nr KanjurRd Stn, KanjurRd- ( E ), SMC Global,258,Perin Nariman Street First Flr Fort, Standard Char Sec,Shop No. 1&2, Shroff Twrs, Sodawala Cross Lane, Borivali (W), Standard Char Sec,Sai Plaza, Gr Flr, Jawahar Rd, Opp. Rly Stn, Ghatkopar (E), Standard Char Sec,Work Stn - 1016, Standard Chartered Twr, 201-B/1,1st Flr, W E Highway,Goregaon (E), Standard Char Sec,6, Sanghrajka House, 1st Flr, 431, Dr. D.B. Rd, Opera House, Standard Char Sec,Gr Flr, Anand Commercial Cntr, Nr Asha Parekh Hospital, S.V. Rd, Santacruz (W), Systematix Shares,Mr Mahesh Ojha,JK Somani Bldg,3rd Flr,British Hotel Lane,Fort, British Hotel Lane, Fort, MUZAFFARNAGAR :Karvy,203/99, C Sadar Bazar, Town Hall Rd, Opp. Peace Library,Abv BOI, MYSORE :HDFC Sec,Gr Flr, No. 2951 - A, Kalidasa Rd, V. V. Mohalla, Integrated Ent,133, Shika Twrs, Second Flr, Rama Vilas Rd, Karvy,No.9/2, New Nol.L-350, Silver Twr, 1st Flr,Ashoka Rd, Opp. Clock Twr, Kotak Sec,No:646 - Kiran Mansion - 2 nd Flr, Abv Reliance Fresh, Chamaraja Double Rd, Religare Sec,5 & 12, Vishwamanva Double Rd, Saraswathipuram, NADIAD :Karvy,104-105, City Point,Nr Paras Cinema, Nadiad, NAGPUR :Bajaj Cap,Shop No. 5, Pushpakunja Commercial Cmplx, Central Bazar Rd, Ramdas Peth, HDFC Sec,125, 2nd Flr, Shreeram Shyam Twrs, S.V. Patel Rd, Kingsway, Civil Lines, IDBI Capital,Unit No. 104, Ashish Annexe, Plot J-13 A, WHC Rd, Laxmi Nagar, Integrated Ent,Block -108, Sathyam Twrs, (1st Flr) Plot No.8, Wardha Rd, Dhantoli, Karvy,230-231, 3Rd Flr, Shreeram Twr,Nr Nit Bldg,Sadar, Kotak Sec,Plot no. 5, 3rd Flr, Lotus Gorepeth Layout WHC Rd, Dharampeth, Religare Sec,Jain House Opp Patwardhan High School,Nr Mahabir Motors,Sitabuldi, Sharekhan,Plot No. 79, 1st Flr, Universal Annex, Dharampeth Extension, Opp New Wockhardt Hospital, Shivaji Nagar, Sharekhan,409/412, Heera Plaza, Nr Telephone Exchange Square, Central Avenue, Standard Char Sec,101/102, Shriram Shyam Twrs, 1st Flr, Kingsway, Sadar, NASIK :Bajaj Cap,G 18 & 19, Suyojit Sankul, Tilak Wadi, Sharanpur Rd, HDFC Sec,Vaastu Shree, 2nd Flr, Off Gangapur Rd, Integrated Ent,B Wing, Parshuram Apts, Opp. Times of India Office, College Rd, Karvy,F1, Suyojit Sankul,Sharanpur Rd, Nasik, Kotak Sec,G-5, Suyojit Avdhoot Twr, Old Gangapur Naka, Gangapur Rd, Sharekhan,5 SK Open Mall, Yeolekar Mala, Nr BYK Collage, Collage Rd, NAVSARI :Karvy,1/1,Chinmay Arcade,Opp. Sattapir, Twr Rd, NELLORE :HDFC Sec,HDFC Bk Bldg, 17/126, GVR Enclave, Trunk Rd, Integrated Ent,Shop No.27, Co-operative Bk Shopping Cmplx, Trunk Rd, NEW DELHI :ENAM SECURITIES PVT LTD,M-39, IIND FLOOR, OUTER CIRCLE,OPP.SUPER BAZAR, CONNAUGHT PLACE,Ph:49811200/201, Bajaj Cap,112, 1st Flr, Ansal Chamber- 1, Bhikaji Cama Place, Bajaj Cap,15, L.G.F. Central Market, Masoodpur, Vasant Kunj, Bajaj Cap,19, DDA Market, Commercial Cmplx, Yusuf Sarai, Bajaj Cap,5/201, Sikka Cmplx, IInd Flr, Community Cntr, Preet Vihar, Bajaj Cap,9, Gr Flr, Rajendra Bhawan, Rajendra Place (Opp. Rachna Cinema), Bajaj Cap,Bajaj House, 97, Nehru Place, Bajaj Cap,C-50, Shivalik, Main Rd, Malviya Nagar, Bajaj Cap,DDA Shop No. 24, Gr Flr, Rama Krishna Market, No.1, I. P. Extension, Patparganj, Bajaj Cap,DDA Shop No. 4, FD Market, Nr Madhuban Chowk, Pitampura, Bajaj Cap,F-1, Ist Flr, B-87, Defence colony, Bajaj Cap,F-4, HL Square, Plot No. 6, Sector-5, Dwarka, Bajaj Cap,G-8&9, Gr Flr, Bhanot Twr, A-Block Opp. Jawala Heri Market, Paschim Vihar, Bajaj Cap,N-10, Kalkaji, Bajaj Cap,Shop No. 11 & 12, 7-A, Janakpuri Dist.Cntr (Opp. Janak Puri Transport Authority), Bajaj Cap,Shop no. 15, Gr Flr, Deep Cinema Cmplx, Phase - 1, Ashok Vihar, Bajaj Cap,Shop No. 3, Gr Flr, B-5, Tagore Market (Next to Post Office), Kirti Nagar, Bajaj Cap,United India Life Bldg, F-Block, Connaught Place, Centrum Broking,B-33, 1st Flr, Connaught Place, Inner Circle, HDFC Sec,Kanchenjungha Bldg, Upper Gr. Flr.,18, Barakhamba Rd, HDFC Sec,Flat No 905, 9th Flr, Madam Bhikaji Cama Bhawan, Bhikaji Cama Place, IDBI Capital,Office No. 216-217-218, Second Flr, Vardhman Twr, Preet Vihar, IDBI Capital,C-1/103-104, Lajpat Nagar -1, IDBI Capital,C/o IDBI Bk, 51/3 2nd Flr. Deshbandhu Gupta Rd, Opp Khalsa College, Karol Baug, Integrated Ent,1691 / 36, (II Flr), Arya Samaj Rd,(Opp. to Satbhrawan School), Naiwala, Karolbagh, Integrated Ent,UG -30, Suneja Twrs II, District Cntr, Janakpuri, Integrated Ent,No. 316, 3rd Flr, Hemkunt Chambers, Nehru Place, Integrated Ent,204, Sagar Plaza, Next to Coffee Home, Laxmi Nagar District Cntr, JM Fin,114 Himalya House,23,K G Rd, Karvy,103, 1st Flr, C.S.C. Sector-B, Pocket 8&9,Opp G D Goenka Public School, Vasant Kunj, Karvy,103, Savithri Sadan - I,11, Community Cntr, Preet Vihar, Karvy,104, 1st Flr, Nanda Devi Twrs,Prashanth Vihar, Central Market, Karvy,105108, Arunachal Bldg,19, Barakhamba Rd, Connaught Place, Karvy,110-112, 1st Flr, Suneja Twr,I Distt. Cntr, Janak Puri, Karvy,23, Shivaji Rd Main,Main Najafgarh Rd Moti Nagar, Karvy,301, Vishal Bhavan,95, Nehru Place, Karvy,402, 4th Flr, Vikrant Twr,Rajendra Place, Karvy,B 2, Dda Market Shop No.50,Paschim Vihar New Delh, Paschim Vihar, Karvy,Ug-29,Ansal Chamber-1, Bhikaji Cama Place, Kjmc Capital,221, Hans Bhawan, 2nd Flr, Nr Ito Office, Bahadur Shah Zafar Rd, Kotak Sec,202-217, 2nd Flr, Ambadeep Bldg, 14, Kasturba Gandhi Rd, Motilal Oswal Sec,801-806,8th Flr, Prakash Deep Bldg, 7 Tolstoy Rd, Connaught Place, Reliance Sec,1001, Faiz Rd, Abv Federal Bk, Nr Jhandel Wala Metro Stn, Karol Bagh, Reliance Sec,C-107,First Flr, Lajpat Nagar - I, Religare Sec,G - 16, Marina Arcade, Opp. Shivaji Stedium, Connaught Place, Religare Sec,G 36 Marina Arcade Inner Circle Connaught Place, Religare Sec,4th Flr, D3, P3B, District Center, Saket, New Delhi, RR Equity,47, M.M. Rd, Rani Jhansi Rd, Jhandewalan, RR Equity,105, Anchal Plaza,Nelson Mandela Rd Vasant Kunj, RR Equity,105, Pratap Bhawan, Bahadur Shah Zafar Rd, RR Equity,118, Gagandeep Bldg, Rajendra Place, RR Equity,106, Pankaj Chambers, Preet Vihar Community Cntr, RR Equity,Shop No. 24, FD Market, Nr Madhuban Chowk, Pitampura, RR Equity,N-24 - 25, Connaught Place, RR Equity,111, Jyotishikhar, 8 Distt. Cntr, Janakpuri, Sharekhan,39, First Flr, Samyak Twr, Nr Metro Pillor No. 120, Pusa Rd, SMC Global,17, Netaji Subhash Rd, Daryaganj, SMC Global,6B, First Flr Himalaya House 23, K G Rd Connaught place, SMC Global,503, Ansal Bhawan 16 K G Rd, Standard Char Sec,E-2/27,Gr Flr, Main Link Rd, Jhandewalan, Nr Jhandewalan Metro Stn, Gate No.2, Standard Char Sec,52-53, Malviya Smriti Bhawan, Deen Dayal Upadhyay Rd, Standard Char Sec,159, Aggarwal Citi Plaza, Plot No. 17, Manngalam Place, Sector 3, Rohini, Systematix Shares,1303, Nirmal Twr Bldg, 26, Barakhamba Rd.,Connaught Place, NOIDA :HDFC Sec,Office-111, Ocean Plaza Bldg, Commercial Plot -P-5, Sector 18, Kotak Sec,2nd Flr, Abv Kotak Mahindra Bk, G-31-32, Atta Market, Sector-18, Religare Sec,Plot No. 11, A3,A4,A5,GYS Global,Sector - 125, Noida, RR Equity,P-5,Sector - 18,Noida, PANIPAT :Karvy,1st Flr, Krishna Twr,Abv Amertex, Gt Rd, PANJIM :Bajaj Cap,F2, 1st Flr, Alfran Plaza, Nr Don Bosco School, HDFC Sec,4rh Flr, Minum Residency, Abv HDFC Bk, 18th June, Integrated Ent,106, 1st Flr, Durga Chambers, Opp. Kenis Hotel, 18th June Rd, Karvy,18-20, City Bussiness Cntr, Coel Ho Pereiera Bldg,Dada Viadya Rd, Opp Jama Maszid Rd, Kotak Sec,2ND Flr,Gurusai Plaza,Isidoria Baptista Rd,Rdao, Sharekhan,F49/F50, 1st Flr, B Block, Alfran Plaza, M.G. Rd, Standard Char Sec,15, 16 & 17, Haroons Arcade, Magnum Center, 1st Flr, M. G. Rd, PATIALA :HDFC Sec,1st Flr, Seetal Cmplx, 5-C, Baradari, Nr C. M. O. Residence, Rajbaha Rd, Karvy,Sco 27B,Chhoti Barandari, PATNA :Bajaj Cap,Flat No. 108, 1st Flr, Ashiana, Plaza, Budha Rd, HDFC Sec,405, 4th Flr, Grand Plaza, Frazer Rd, IDBI Capital,Patna Branch Office, 205, 2nd Flr, Grand Plaza, Fraser Rd, Integrated Ent,No.313, Jagat Trade Cntr, Fraser Rd, Karvy,Anand Twr, 2Nd Flr, Exhibition Rd,Nr Republic Hotel, Opp ICICI Bk, Kotak Sec,Office No.7, Twin Twr Hathwa, South Gandhi Maidan, Reliance Sec,Gr. Flr, Ashoka Place, Exhibition Rd, Religare Sec,101,Lok Nayak Jay Prakash Bhawan,1st Flr,Dak Bunglow Crossing, RR Equity,422-23, 4th Flr,Ashiyana Harniwas Cmplx,New Dak Bunglow Rd, Sharekhan,406-407 B,Ashiana Plaza,Budh Rd, PONDICHERRY :Bajaj Cap,No. 127/A, 100 Ft. Rd,Natesan Twr, 1st Flr, Natesan Nagar, Integrated Ent,No.40-A, Aurobindo Street, (Between M.G.Rd & Mission Street), Karvy,No.7,Thiayagaraja Street, PUNE :ENAM SECURITIES PVT LTD,1248A, ASMANI PLAZA, GOODLUCK CHOWK, DECCAN GYMKHANA, SHIVAJI NAGAR,Ph:25521606/406, ENAM SECURITIES DIRECT PVT LTD,101 & 102, SILVER PRESTIGE, 1ST FLOOR, OPP. MCCIA, TILAK ROAD, SWARGATE,Ph:30205492/93, Bajaj Cap,Office no. 13, A Wing, Kamala Cross Rd, Opp. PMPC office, old Mumbai highway, Pimpri, Bajaj Cap,Shop No 6, Sanas Plaza, 1302, Subhash Nagar, Bazirao Rd, Bajaj Cap,Suyash Plaza, Office No.08, 3rd Flr, Opp-Selene Bldg, Bhandarkar Rd, Nr Kamla nehru Park, Centrum Broking,401 B & C, City Point,17 Boat Club Rd, IDBI Capital,Office No. 32 / 33, 2nd Flr, Bldg B, Wing C, Shrinath Plaza, Modern College, Shivagi Nagar, Integrated Ent,Shop No.23, East Street Gallery, East Street, Camp, Integrated Ent,Shop No 2, Sai Sayaji Villa 163, Azadwadi, Shastrinagar, Nr Vivekanand Chowk, Kothrud Rd, JM Fin,205 Business Guild,Opp. Krishna Dining Hall,Law College Rd, Erandawane, Karvy,Office No.6, Third Flr, Rachana Trade Estate,Law College Rd, Nr Sndt Circle, Cts No.105, Erandwane, Karvy,Rameera Twrs, 130 / 24,Pcmtda,Tilak Rd, Nigidi,Pradhikaran, Karvy,Shop No.3 & 4, Ashwini Palace,Nr Kedari Petrol Pump, Wanowarie, Kotak Sec,2nd Flr, Kumar Business Center,Bund Garden Rd,Opp. Bund Graden, Reliance Sec,Unit-3, Gr Flr,Commerspace, Gigaspace,Lohegaon,Viman Nagar, Religare Sec,Amar Calibre, Gr Flr, C.T.S No. 911,BMC Collage Rd, Opp. Hotel Hill View, Deccan Gymkhana, Religare Sec,Kusum Smruti Bldg, Kusum Kunj C.T.S NO-917/17 Behing British Council Library, Ganeshwadi, Shivajinagar, Sharekhan,301, Millenium Plaza, 3rd Flr, Opp Fergusson College main Gate, Fergusson College Rd,Shivaji Nagar, SMC Global,1st, Flr, Dealing chambers, Nr Sai Petrolpump, opp. Hotel Subdhra, J.M. Rd, Standard Char Sec,A/2, 1st Flr, Deccan Chambers, C.T. Survey No. 33/40, Erandwane, Karve Rd, Systematix Shares,1271 Mansingh Manor,Nr-Hotel Purab,Opp Central Bk,Shambhaji Bridge,Deccan Gymkhana, RAIPUR :Karvy,Lower Level-02& 03, Millennium Plaza,Nr Indian Coffee House, G E Rd, Raipur, Kotak Sec,Menzanine Fllor, Chawla Cmplx, Nr Vanijya Bhawan,Devendra Nagar Rd, Reliance Sec,Second Flr,Laxmi Plaza,C S E B Square,Budhapara, Religare Sec,1st Flr, Nagvev Plaza,Opp.Hotel Satluj, Jail Rd, RAJAMUNDRY :Integrated Ent,6-14-7/1, Opp. Pala Varthakula Sangam, Achantavari St, T.Nagar, RAJKOT :ENAM SECURITIES DIRECT PVT LTD,308, 3RD FLOOR, TOWAR COMMERCIAL COMPLEX,JAWAHAR COMPLEX,NEAR GALAXY HOTEL,Ph:2226383/384, Bajaj Cap,Prathibha Cmplx, Nr Jayesh Publicity, Moti Tanki Chowk, HDFC Sec,6th Flr, Pancharatna Bldg, Alfred School, Jawahar Rd, IDBI Capital,1st Flr, Ankur Bldg., Dr. Radhakrishan Rd, Nr Moti Tanki, Integrated Ent,130, Star Chambers, 1st Flr, Harihar Chowk, Dr. Rajendra Prasad Rd, JM Fin,202 Solitaire, 2nd Flr, Swami Vivekanand Rd, Nr Municipal Commissioner Bunglow, Ramkrishna Nagar, Karvy,104, Siddhivinayak Cmplx,Dr. Yagnik Rd, Opp. Ramkrishna Ashram, Rajkot, Kotak Sec,Nath Cmplx, 2nd Flr, Opp. Jilla Panchayat, Abv Kotak Mahindra Bk, Yagnik Rd, Sharekhan,102/103,Hem Arcade,Opp Vivekanand Statue,Dr Yagnik Rd, RANCHI :HDFC Sec,Rohini Apartment, Gr.Flr, 56, Circular Rd, Lalpur, P.S. & P. O. Lalpur, Karvy,203,Commerce Twrs, B/s Mahabir Twrs Main Rd, Kotak Sec,Shop no. 24 & 25, 2nd Flr, A.C. Market, G.E.L. Church Cmplx, Main Rd, Religare Sec,2nd Flr,Shop No-39,40.41,Gel Church Cmplx,Main Rd, Sharekhan,Shree Gopal Cmplx,4th Flr,Room No I,Court Rd, ROHTAK :Karvy,1st Flr, Ashok Plaza,Delhi Rd, Rohtak, RR Equity,103 Balaji Financial House Scf-28 Huda Cmplx Rohtak, ROURKELA :Karvy,Plot No.554, 1St Flr, Sandhu Cmplx,Kachery Rd, Udit Nagar, Rourkela, SALEM :Bajaj Cap,22, GF, Omalur Main Rd, HDFC Sec,No. 3, 1st Flr, VSA Commercial Cmplx, Omalur Main Rd, Opp. New Bus Stand, Integrated Ent,No.19/2 AB Gandhi Nagar,(1 Flr),Annapuram,Opp.to Raja Thirumana Mahal, Karvy,40, Brindavan Rd,5Th Cross, Nr Perumal Koil,Fair Lands, Salem, Kotak Sec,5/241, F Rathna Arcade Five Rd,Meyyanur, Sharekhan,Sri Ganesh Twr,561,2nd Flr,Saradha College Main Rd, SHILONG :HDFC Sec,R.P.G. Cmplx,1st Flr,Keating Rd,Nr Goenka Engg, Karvy,Mani Bhawan Annex, Thane Rd,Opp. Rkm Elp School, Lower Police Bazar, Shillong, SHIMLA :Karvy,Triveni Bldg, By Pas Chowk,Khallini, Shimla, SILIGURI :Bajaj Cap,3rd Flr, Jatin Das Sarani, (Nr Jwel Club), Ashram Para, HDFC Sec,Gr. Flr, kelsons Cmplx, 157 Sevoke Rd, Karvy,Nanak Cmplx,2nd Flr, Sevoke Rd, Kotak Sec,Nanak Cmplx, 2nd Flr, Sevok Rd, Standard Char Sec,Pratap Market, 1st Flr, Sevoke Rd, Nr Payal Cinema, SURAT :Bajaj Cap,L-4, Gr Flr, Vishwakarma Chambers, Majura Gate Crossing Rd, Ring Rd, HDFC Sec,708,709, Kashi Plaza, Nr Children Hospital,Manjura Gate, Integrated Ent,C-18 Belgium Chambers, I Flr, Next to City Union Bk Ltd., Main Ring Rd, JM Fin,407, 4th Flr, 21 Century Business Cntr, Nr Udhna Char Rasta, Ring Rd, Karvy,G-16, Empire State Bldg, Nr Udhana Darwaja,Ring Rd, Kotak Sec,Kotak House, K G Point, 1st Flr, Nr.Ganga Palace, Opp.IDBI Bk, Ghoddod Rd, Religare Sec,307, 3rd Flr 21ST Century Bldg, Nr, World Trade Cntr, Nr, Udhna Darwaja. Ring Rd, RR Equity,9-Ravi Raj Society, Behind Gayatri Mandir,New City Light Rd, Sharekhan,M-1 to 6,Jolly Plaza, Mezzanine Flr, Athwa Gate, Standard Char Sec,U-18,Upper Gr Flr, Jolly Plaza, Athwagate, THIRUVANANTHAPURAM :Bajaj Cap,Edamala Plaza, TC 14/999 Opp Police Headquarters, Vellayambalam Rd, Vazahuthacadu Sasthamangalam Post, HDFC Sec,Karimpanal Arcade, East Fort, IDBI Capital,NH Rd, Killipalam, Integrated Ent,Aashiana, TC 28/2829-2, 1st Flr, Kuthiravattom Rd, Karvy,2nd Flr, Akshaya Twrs,Sasthamangalam, Kotak Sec,Mahesh Estates, 2nd Flr, T L -15/1805, Vazhuthacadu, THRISSUR :Bajaj Cap,VIII/78/9, Bharatha Kshemam Bldg, Next to SBI ATM, College Rd, East Fort, Integrated Ent,3rd Flr Ambika Arcade,M.G. Rd, Karvy,2Nd Flr, Brohers Cmplx, Nr Dhanalaxmi Bk Head Office,Naikkanal Junction, Sharekhan,Pooma Cmplx,1st Flr,M G Rd, TRICHY :Bajaj Cap,Swati Arcade, 73/1 - f 1st Floor Salaia Rd, Thillai nagar, HDFC Sec,11th Cross Main Rd, Thillai Nagar, Integrated Ent,Plot No. 23, Erumbeeswarar Nagar, Malaikoil, Thiruverumbur, Trichy, Integrated Ent,25-A, Gr Flr, Githanjali Apartment, Sastri Rd, (Adjacent to Sippy Theatre),Thillai Nagar, Integrated Ent,Chitra Cmplx - No.11, Gr. Flr, Nr Chatram Bus Stand, Integrated Ent,1st Flr,Dr. Prabaker Rao Cmplx, 17-C,Gandhi Rd,Srirangam, Karvy,Sri Krishna Arcade,60, Thennur High Rd, Thennur, Kotak Sec,C-56,1-24-4th cross, Thillai Nagar, UDAIPUR :HDFC Sec,Plot No. 8 & 9, Vivek Chambers, 2nd Flr, Durga Nursury Rd, Opp. Sukhadia Samadhi Park, Karvy,201-202, Madhav Chambers,Opp. Gpo Madhuban, Kotak Sec,222/12, Ist Flr, Mumal Twrs, Saheli Rd, Religare Sec,405-409, HG - 1, D Hajareshwar Colony, Opp. Hanumaan Temple, Court Rd, Sharekhan,4 Bhatt ji ki Bari, Standard Char Sec,Abhay Niwas, 5, 1st Flr, Residency Rd, VADODARA :ENAM SECURITIES DIRECT PVT LTD,GF 9, SILVERLINE TOWERS, OPP BBC TOWERS, SAYAJIGANJ, Ph:3026945/46, ENAM SECURITIES PVT LTD,642 FORTUNE TOWERS, SAYAJIGANJ,Ph:2225412, Bajaj Cap,12 m m m m m M m m M M m M m M m m m m m m M W m M m W m m m m m m m M M m m W m m M m M m M W M M M m m m M M m M m m M m m m m m W M

CONSORT UM MEMBERS TO THE SSUE

SB CAP SECUR T ES LTD M M m M m M W M M M m M M M M m m m M M m m m m M M m M M M m M M M M m m m M M M m m M M m m M m m M m M M m M M m M M M m M m m m M m m m M M mm m m M m m M m M M m m m M m M M mm m M M m m M M m m m m M m m M m M M m m m m m W M M M M M M W M M W m m M m M M W M M m m m m m M m M m m m m W m m m m m M m m m m M M M m M M M m m m m m m m m M m m M M m M M M M m m m W M M M m M m m M M m

HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED

HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED : APPLICATION FORMS AVAILABLE AT FOLLOWING LOCATIONS
CONSORTIUM MEMBERS TO THE ISSUE
SBICAP SECURITIES LTD (CONTD .....) Ltd Ug - 4,5 & 6, Royal Diamond, Y.N. Road, Opp. State Bank Of Indore (Ho),452001,4200521.Jabalpur: Kotak Securities Ltd Jain Tower, 3Rd Floor, Ruseel Chowk,,4085850. RR Equity Brokers Private Ltd Shop No. 5, Unique Tower, Shashtri Bridge Chowk,Opp. Icici Bank,482002,9827066823. SBICAP Securities Ltd C/O. Sbi Main Branch, Civil Lines,482001,4218261.Jaipur: Bajaj Capital Investor Services Ltd G-3, Anukampa Tower, Opp. Sangamtower, Church Road (M. I. Road),302001,6503342. Edelweiss Broking Ltd Green House 601 & 602; 6Th Floor, Ashok Marg,320001,4045167. Eureka Stock & Share Broking Services Ltd. 213/214,Jaipur Towers,M I Road,Opposite A I R,302001,3918040. IDBI Capital Market Services Ltd 314 3Rd Floor, Ganpati Plaza, M. I. Road,,302001,3208276. JM Financial Services Pvt Ltd G-7 & G-8,Brij Anukamba,Plot No.K-13, Ashoka Marg,C-Scheme,302001,3984400. Kotak Securities Ltd 305-308, 3Rd Floor, Green House, O-15,Ashok Marg, C-Scheme,,. Nirmal Bang Securities Pvt. Ltd 201,2Nd Floor,Sangam Tower Church Road,302001,3093700. RR Equity Brokers Private Ltd 7,Katewa Bhawan,Opp. Ganapati Plaza, Mi Road,302001,3235456. SBICAP Securities Ltd C/O Sbi Special Branch, Ground Floor, Sangeneri Gate,302003,4006483. SBICAP Securities Ltd 128 , A - Block , First Floor , Opp. Sbbj Bank,Ganpati Plaza, M I Road,302001,3221945. Standard Chartered Securities (India) Ltd 8, Katewa Bhawan, 1St Floor, Opp. Ganpati Plaza, M.I. Road,302001,4026575.Jalgaon: Bajaj Capital Investor Services Ltd Beside Icici Bank, Dhake Corporate Centre, Dhake Colony,425101,6451511.Jallandhar: Kotak Securities Ltd 2Nd Floor, 465, Lajpat Nagar Market,,. SBICAP Securities Ltd C/O. State Bank Ofindia, Civil Lines,144001,4636317.Jammu: SBICAP Securities Ltd C/O State Bank Of India, Railway Road Branch,,180001,2471118.Jamnagar: Kotak Securities Ltd 701, 5Th Floor, City Point, Station Road, Near Town Hall,,5540355. SBICAP Securities Ltd G-3, Ground Flr, Madhav Darshan Complex, Opposite Cricket Bungalow Near Limda Line,361001,2555170.Jamshedpur: Bajaj Capital Investor Services Ltd Shop No. 53, 2Nd Floor, Kamani Business Centre Bishtupur,831001,6457603. Eureka Stock & Share Broking Services Ltd. 1St Floor,Rjs Building,Diagonal Road,Bistupur,Jamshedpur,,2428777. Kotak Securities Ltd Bharat Business Centre, Ho No.2, 2Nd Flr, Rm No. 8, Ram Mandir Area Bistupur,,3090856. SBICAP Securities Ltd Sbi, Jamshedpur Bistupur,831001,3206515.Jodhpur: Kotak Securities Ltd 1St Floor, Gulab Bhawan, Chopasani Road,,5101956. RR Equity Brokers Private Ltd Inside Keshav Bhawan Near Hdfc Bank 9Th Chopasni Road Jodhpur 342003,342003,9928388322. SBICAP Securities Ltd C/O Sbi, Special Branch, High Court Campus, Kachauri,,342001,2546546.Kanpur: Bajaj Capital Investor Services Ltd 106, Ratan Esquire, 14/144, Chunni Ganj,208001,6451763. Kotak Securities Ltd 312-315, 3Rd Floor, 14/113, Kan Chambers, Civil Lines, Near Up Stock Exchange,,3018114. RR Equity Brokers Private Ltd 26 L.G.F. Roland Tower 17/5 The Mall,208001,9336219040. SBICAP Securities Ltd Sbi, Main Branch Campus, Zonal Office,16/101 Civil Line Mall Road,,208001,2333571. Standard Chartered Securities (India) Ltd 15 / 59, O Civil Lines,208001,3268394.Kochi: Bajaj Capital Investor Services Ltd Rubicon Building, S.A. Road, South Over Bridge, Valanjambalam,682016,6452566. IDBI Capital Market Services Ltd 2Nd Floor, Pavana House, K. P. Vallon K. P. Vallon Road, Kadavanthra,682020,3210712. Integrated Entreprises ( India ) Ltd Raj Soudh, 1 Flr, 39/3477, M.G.Road, Ernakulam,682016,2358922. Kotak Securities Ltd 40/1400, 11Th Floor, Ensign Enclave, Jos Junction, M.G. Road,,2377386. Nirmal Bang Securities Pvt. Ltd Shop No.39/2122 B-First Floor,Jomer Aracade, Chittoor Road,South Junction - Cochin Kerala,682016,4117971. SBICAP Securities Ltd Sbi Shanmugham Rd. Branch 2Nd Floor, Ktdc Bldg, Ernakulam,682031,3248745. Standard Chartered Securities (India) Ltd 1St Floor, Sana Tower, 39/2579C, M.G. Road, Ernakulam,682016,2372669.Kolhapur: Bajaj Capital Investor Services Ltd Ground Floor, Damodar Enclave Apartment, 10Th Lane, Rajaram-Puri,416001,6450529.Kolkata: Bajaj Capital Investor Services Ltd Martin Burn House, Ground Floor, 1, Room. No. 15, R.N. Mukherjee Road,700001,40053282. Bajaj Capital Investor Services Ltd Ground Floor, 10-C, Hungerford Street,700017,30295200. Bajaj Capital Investor Services Ltd 9, Ezra Street,700001,64578545. Edelweiss Broking Ltd 2Nd Floor, Savitri Tower, 3A, Upper Wood,700017,40104635. Eureka Stock & Share Broking Services Ltd. B3/5,Gillander House,8,N.S.Road,700001,39180300. Eureka Stock & Share Broking Services Ltd. 9B,Wood Street,1St Floor,700016,39180380. Eureka Stock & Share Broking Services Ltd. 7, Lyons Range, 2Nd Floor,700001,. IDBI Capital Market Services Ltd Suit No 2 B, 228 A, Landmark Bldg - Seconf Floor , Mintopark ,Ajc Bose Road,700020,32502896. Integrated Entreprises ( India ) Ltd Trikut, Flat No 1-B,4C Lansdowne Place, Opp. Road Of Ramakrishna Mission Hospital,,. JM Financial Services Pvt Ltd Kankaria Estate, 8Th Flr,6Th Little Russell Street,700071,39870330. Kotak Securities Ltd 7Th Floor, Apeejay House, Block C, 15, Park Street,,22273999. Kotak Securities Ltd Govind Bhavan, Ground Floor, 2, Biplabi Trilokya Maharaj Sarani(Brabourne Road),,22358105. Nirmal Bang Securities Pvt. Ltd Ac Market Complex,8Th Floor, 1 Shakespeare Sarani,,700071,30584292. RR Equity Brokers Private Ltd 704,Krishna Bldg.,224,Ajc Bose Road,700017,22802963. SBICAP Securities Ltd Sbi Main Branch Sammriddi Bhavan 3Rd Floor, 1- Strand Road,700001,22481729. SBICAP Securities Ltd State Bank Of India Jeevandeep Bldg,Ground Floor Middleton Street,700071,22886604. SBICAP Securities Ltd C/OState Bank Of India,Bikash Bhavan Goc.Ground Floor.Sector-Ii,Saltlake,700091,. SBICAP Securities Ltd C/O Sbi, 50 A, Gariahat Road, Ballygunge,,700019,24619561. Standard Chartered Securities (India) Ltd Shree Manjiri, 1St Floor, 8/1, Sir William Jones Sarani,700071,22276521. Standard Chartered Securities (India) Ltd Premises No 152 First Floor, S.P Mukherjee Road,700026,24634044. Standard Chartered Securities (India) Ltd Mangalam Bldg., 24 & 26, Gr Floor, Hemanta Basu Sarani, Dalhousie,700001,22137028.Kota: Kotak Securities Ltd D-8 First Floor, Shri Ram Complex, Opposite Multipurpose School, Gumanpura,,. SBICAP Securities Ltd Kota Main Branch, Chhawani Chouraha,324007,2390147.Lucknow: Bajaj Capital Investor Services Ltd 5, Commerce House, Habibullah Compound, 11, M.G. Marg, Hazratganj,226001,6565568. Bajaj Capital Investor Services Ltd C-204, Ugf, Sahara Plaza, Patrakar Puram, Gomti Nagar,226010,4060909. IDBI Capital Market Services Ltd 1St Floor, Halwasiya House, 11 M. G. Marg,Hazratganj,226001,3250987. Kotak Securities Ltd 1-2 Ground Floor, Commerce House, Habibullah Estate,11 M.G. Marg,,3232285. Kotak Securities Ltd A-1 ; Ashish Palace,Sector E,Aliganj,,3232285. RR Equity Brokers Private Ltd G-32,Shriram Tower,13- A,Ashok Marg,226001,4057612. SBICAP Securities Ltd C/O State Bank Of India, 2/103 Vijay Khand First Flr, Gomti Nagar,226010,2303261. SBICAP Securities Ltd C/O Sbi Govt.Business Branch Moti Mahal Marg Behind K.D.Singh Babu Stadium Hajrath Ganj,226001,3202184.Ludhiana: Bajaj Capital Investor Services Ltd M-3, Abc Services, Sco137, Feroze Gandhi Market,1,2412287. Kotak Securities Ltd Sco-122, 2Nd Floor, Firoz Gandhi Market,,5047214. Nirmal Bang Securities Pvt. Ltd Office No.301 & 302,Sco No.15, Scan Plaza,Feroze Gandhi Marg,141001,4020000. SBICAP Securities Ltd Sbi, 1St Floor Fountain Chowk Civil Lines,141001,5025634.Madurai: Bajaj Capital Investor Services Ltd Suriya Towers, No.5, First Floor, 272/273, Good Shed Street,625001,6461023. Kotak Securities Ltd Shop A First Floor, Krv Arcade, Ar Plaza 16 & 17, North Velli Street,,2341225. SBICAP Securities Ltd C/O State Bank Of India, Number - 7A, West Veli Street, Opposite Railway Station,,625001,4506404.Mangalore: Bajaj Capital Investor Services Ltd Essel Towers, Bs 4, Bunts Hostel Circle,575003,6451218. IDBI Capital Market Services Ltd 1St Floor, Bridge Square, Balmatta Road,,575001,4278032. Kotak Securities Ltd No.4, 3Rd Floor, The Trade Centre, Jyoti Centre, Bunts Hostel Road, Near Jyoti Circle,,424180. Kotak Securities Ltd No.4, 3Rd Floor, The Trade Centre, Jyoti Centre, Bunts Hostel Road, Near Jyoti Circle,,424180. RR Equity Brokers Private Ltd F 2 1St Floor Adithi Arcade Karangalpay,575003,9845288557. SBICAP Securities Ltd C/O Sbi, Mangalore Main Branch, Port Road, P.B.No-90,575011,4265361.Meerut: Bajaj Capital Investor Services Ltd G-43, Ganga Plaza, Near Begam Bridge,250001,6451510.Mumbai: Bajaj Capital Investor Services Ltd Agra Bldg, Gr. Floor, 7/9 Oak Lane, Fort,400023,66376999. Edelweiss Broking Ltd 104, 1St Floor, P J Tower, Bse Bldg., Dalal Street, Fort,400001,67471345. Eureka Stock & Share Broking Services Ltd. Raheja Chambers,R.No.909,9Th Floor,213,Nariman Point,400021,32583020. IDBI Capital Market Services Ltd Mafatlal Centre , 3Rd Flr , Nariman Point,400021,43221212. IDBI Capital Market Services Ltd Shop No. B 4, E Wing, Crystal Plaza, Opp. Infinity Mall, Off New Link Road, Adarsh Nagar,Andheri (W),400053,32468346. IDBI Capital Market Services Ltd Shop No.3, Vikas Palm Village Pachpakhadi,400601,25444441. IDBI Capital Market Services Ltd Shop No. 8, Thacker Tower Premises Co-Op Society Ltd Plot No. 86, Sector 17, Vashi,,400705,27893262. Integrated Entreprises ( India ) Ltd 15, 1St Flr, Modern House, Dr. V.B.Gandhi Marg, Fort,400023,40661800. JM Financial Services Pvt Ltd 1St Floor, Patel House, Next To Bank Of Baroda,M G Road, Vileparle (E),400057,26135202. JM Financial Services Pvt Ltd Palm Court, M- Wing, 4Th Floor, Goregaon Link Road,Malad West,400064,30877000. JM Financial Services Pvt Ltd Ground Floor, Anushka, New Link Rd,Andheri West,400053,66191600. JM Financial Services Pvt Ltd Shop No 6, Dattani Trade Center,Chandra Varkar Road, Borivali (W),400092,30215400. JM Financial Services Pvt Ltd 424/425 Kalidas Plaza, V B Lane,Ghatkopar East,400075,30978700. JM Financial Services Pvt Ltd 2,3,4 Kamanwala Chambers, P M Road, Fort,400001,3021500. Keynote Capitals Ltd 4Th Floor, Balmer Lawrie Building,5, J. N. Heredia Marg,Ballard Estate,400001,22694322. Kotak Securities Ltd 32, Gr Flr., Raja Bahadur Compound, Opp Bank Of Maharashtra, Fort,,22655074. Kotak Securities Ltd 6Th Floor, Kotak Towers, Building No. 21, Infinity Park, Off Western Express Highway, Goregaon Mulund Link, Road, Malad (E),,66056825. Kotak Securities Ltd Nirlon House, 3Rd Floor, Dr Anie Besant Road, Near Passport Office, Worli,,66529191. LKP Securities Ltd Bank Of Maharashtra Bldg,45 / 47, B S Marg, Fort,400001,22663963. Nirmal Bang Securities Pvt. Ltd B - 201,Khandelwal House, Poddar Road, Near Poddar Park, Malad (East),,400097,39269139. RR Equity Brokers Private Ltd 18 First Floor,105 Bombay Samachar Marg.,Fort,400023,40544201. RR Equity Brokers Private Ltd 133A, Mittal Tower, A Wing, 13Th Floor, Nariman Point,400021,9324804084. SBICAP Securities Ltd State Bank Of India M.G.Road Ghatkopar East,400077,25020964. SBICAP Securities Ltd 1St Floor, Tulsiani Chembers, Nariman Point,400021,32660218. SBICAP Securities Ltd Sbi Admin Building Compound, Madam Cama Rd., Nariman Point,400021,22023214. SBICAP Securities Ltd C/O Sbi Spb Branch, Mumbai Samachar Marg, Gate No 7, Horniman Circle, Fort,,400001,32660216. SBICAP Securities Ltd 2Nd Flr, C Wing, Mafatlal Chambers, N.M Joshi Marg, Lower Parel,400013,42273451. SBICAP Securities Ltd C/O Sbi Jvlr Branch, Ground Floor,Juhu Versova Link Road, Andheri (W),400053,26707887. Standard Chartered Securities (India) Ltd Shop No. 1&2, Shroff Towers, Sodawala Cross Lane, Borivali (West),400092,66982772. Standard Chartered Securities (India) Ltd Work Station - 1016, Standard Chartered Tower, 201-B/1,1St Floor, Western Express Highway,Goregaon (East),400063,67559626. Standard Chartered Securities (India) Ltd Sai Plaza, Ground Floor, Jawahar Road, Opp. Railway Station, Ghatkopar (East),400077,25028540. Standard Chartered Securities (India) Ltd 6, Sanghrajka House, 1St Floor, 431, Dr. D.B. Marg, Opera House,400004,65177950. Standard Chartered Securities (India) Ltd Ground Floor, Anand Commercial Centre, Near Asha Parekh Hospital, S.V. Road, Santacruz (West),400054,26004633.Mysore: Kotak Securities Ltd No: 646 - Kiran Mansion - 2 Nd Floor, Above Reliance Fresh, Chamaraja Double Road,,4000861. SBICAP Securities Ltd C/O State Bank Of India, Mysore Main Branch,P.B.No-204, Motikhana Building, New Sayaji Rao Road,570024,2435866.Nagpur: Bajaj Capital Investor Services Ltd Shop No. 5, Pushpakunja Commercial Complex, Central Bazar Road, Ramdas Peth,440010,6618577. IDBI Capital Market Services Ltd Unit No. 104, Ashish Annexe, Plot J-13 A, Whc Road, Laxmi Nagar,,440022,2230005. Kotak Securities Ltd Plot No. 5, 3Rd Floor, Lotus Gorepeth Layout Whc Road , Dharampeth,,6620278. SBICAP Securities Ltd C/O Sbi Seva Sadan Branch, 75 Moti Mohan Complex Seva Sadan Chowk, C.A.Road,440018,3257729. Standard Chartered Securities (India) Ltd 101/102, Shriram Shyam Towers, 1St Floor, Kingsway, Sadar,440001,3243681.Nashik: Bajaj Capital Investor Services Ltd G 18 & 19 , Suyojit Sankul, Tilak Wadi, Sharanpur Road,422002,6629011. Kotak Securities Ltd G-5, Suyojit Avdhoot Tower, Old Gangapur Naka, Gangapur Rd,,6609804. SBICAP Securities Ltd C/O Sbi Spbb Br., Plot No. 56 ,Opp. Wadnagare Bhavan, Thatte Wadi, College Road,422005,2232152.New Delhi: Bajaj Capital Investor Services Ltd Bajaj House, 97, Nehru Place,110019,41693000. Bajaj Capital Investor Services Ltd United India Life Building, F-Block, Middle Circle, Connaught Place,110001,41790444. IDBI Capital Market Services Ltd Office No. 216-217-218, Second Floor, Vardhman Tower, Preet Vihar,,110092,32472133. IDBI Capital Market Services Ltd C-1/103-104,Lajpat Nagar -1, New Delhi,110024,9810316643. IDBI Capital Market Services Ltd 114, 1St Floor, Aggarwal City Plaza,Plot No. 17, Manglam Palace, Sector 3, Rohini,,9810533146. Integrated Entreprises ( India ) Ltd 1691 / 36, ( Ii Flr ), Arya Samaj Road, (Opp To Satbhrawan School), Naiwala,Karolbagh,700029,2474600. JM Financial Services Pvt Ltd 114 Himalya House,23,K G Marg,110001,41305000. Kotak Securities Ltd 202-217, 2Nd Floor, Ambadeep Building, 14, Kasturba Gandhi Marg,,66313131. Nirmal Bang Securities Pvt. Ltd Flat No.120, New Delhi House, 27 Barakhamba Road,,110001,43603961. RR Equity Brokers Private Ltd 47, M.M. Road, Rani Jhansi Marg, Jhandewalan,110055,9312940483. RR Equity Brokers Private Ltd 105, Anchal Plaza,Nelson Mandela Road Vasant Kunj,110070,26891262. RR Equity Brokers Private Ltd 105, Pratap Bhawan , Bahadur Shah Zafar Marg,110001,49505500. RR Equity Brokers Private Ltd 118, Gagandeep Building, Rajendra Place,110008,25764872. RR Equity Brokers Private Ltd 106, Pankaj Chambers, Preet Vihar Community Centre,110092,42421238. RR Equity Brokers Private Ltd Shop No. 24, Fd Market, Near Madhuban Chowk, Pitampura,110034,27311419. RR Equity Brokers Private Ltd N-24 - 25, Connaught Place,110001,41523306. RR Equity Brokers Private Ltd 111, Jyotishikhar, 8 Distt. Centre , Janakpuri,110018,25617654. SBICAP Securities Ltd Sbi Spb Branch11, Parliament Street,110001,23744235. SBICAP Securities Ltd State Bank Of India Personal Banking Branch, A-15 Hauz Khas,110016,26511104. SBICAP Securities Ltd 9, New Rajdhani Enclave, Swasthya Vihar,Nr Preet Vihar Metro Station,110092,45108482. SBICAP Securities Ltd C/O, State Bank Of India, E-2/28, Sector-7, Rohini,110085,27055815. Standard Chartered Securities (India) Ltd 159, Aggarwal Citi Plaza, Plot No. 17, Manngalam Place, Sector 3, Rohini,110085,47090181. Standard Chartered Securities (India) Ltd 52-53, Malviya Smriti Bhawan, Deen Dayal Upadhyay Marg,110002,41514821. Standard Chartered Securities (India) Ltd E-2/27,Ground Floor, Main Link Road, Jhandewalan, Near Jhandewalan Metro Station, Gate No.2,110055,43293200.Noida: Bajaj Capital Investor Services Ltd Sector -29 A-2, Brahmputra Commercial Complex, Near Rail Reservation Centre, Sec. 29,201301,6494074. Bajaj Capital Investor Services Ltd Sec-41 C-20, C Block Market, Sector-41,201301,2570410. Kotak Securities Ltd 2Nd Floor, Above Kotak Mahindra Bank, G-31-32, Atta Market, Sector-18,,4606911. RR Equity Brokers Private Ltd P-5,Sector - 18,201301,4336902. SBICAP Securities Ltd C/O State Bank Of India, Sector-26,201301,2532133.Panchkula: SBICAP Securities Ltd C/O State Bank Of India,Sco - 14, Sector 10,,140109,4010507.Panjim: Bajaj Capital Investor Services Ltd F2, 1St Floor, Alfran Plaza, Near Don Bosco School, Panaji, Goa,403001,2356869. Kotak Securities Ltd 2Nd Floor,Gurusai Plaza,Isidoria Baptista Road,Margao,,6624833. SBICAP Securities Ltd Sbi, Panaji Main Branch Dayanand Bandodkar Marg Near Hotel Mandovi,403001,3253886. Standard Chartered Securities (India) Ltd 15, 16 & 17, Haroons Arcade, Magnum Center, 1St Floor, M. G. Road, Panaji,403001,2232173.Patiala: SBICAP Securities Ltd State Bank Of Patiala Mall Road, The Mall Near Sherawala Gate, Demat Section,147001,5013356.Patna: Bajaj Capital Investor Services Ltd Flat No. 108, 1St Floor, Ashiana, Plaza, Budha Marg,800001,6451056. IDBI Capital Market Services Ltd Patna Branch Office, 205, 2Nd Floor, Grand Plaza, Fraser Road,,800001,3200687. Kotak Securities Ltd Office No.7, Twin Tower Hathwa, South Gandhi Maidan,,2224620. RR Equity Brokers Private Ltd 422-23, 4Th Floor,Ashiyana Harniwas Complex,New Dak Bunglow Road,800001,9334114868. SBICAP Securities Ltd C/O State Bank Of India ,Spb Gandhi Maidan,Biscoman Bhavan,800001,3260943.Pondicherry: Bajaj Capital Investor Services Ltd No. 127/A, 100 Ft. Road,Natesan Tower, 1St Floor, Natesan Nagar,605001,6452334. SBICAP Securities Ltd 164, Kamraj Salai, 1St Flr, Above Sbi Adb Branch,605013,4304236.Pune: Bajaj Capital Investor Services Ltd Shop No 6, Sanas Plaza, 1302, Subhash Nagar, Bazirao Road,411002,65009460. Bajaj Capital Investor Services Ltd Suyash Plaza, Office No.08, 3Rd Floor, Opp-Selene Building, Bhandarkar Road, Near Kamla Nehru Park,411004,65009463. IDBI Capital Market Services Ltd Office No. 32 / 33, 2Nd Floor, Building B, Wing C, Shrinath Plaza, Modern College, Shivagi Nagar,,411004,32913133. JM Financial Services Pvt Ltd 205 Business Guild ,Opp. Krishna Dining Hall,Law College Road, Erandawane,411001,39871600. Kotak Securities Ltd 2 Nd Floor, Kumar Business Center,Bund Garden Road,Opp. Bund Graden,,66066129. SBICAP Securities Ltd State Bank Of India Deccan Gymkhana Branch J.M.Road, Deccan Gymkhana,411004,25539399. SBICAP Securities Ltd C/O Sbi Bund Garden Branch, Grale 171/B, 1St Floor, Dp Road,411001,30221091. Standard Chartered Securities (India) Ltd A/2, 1St Floor, Deccan Chambers, C.T. Survey No. 33/40, Erandwane, Karve Road,411004,25453436.Raipur: Kotak Securities Ltd Menzanine Fllor, Chawla Complex, Near Vanijya Bhawan,Devendra Nagar Road,,251555. SBICAP Securities Ltd C/O State Bank Of India,Kutchery Branch,Kutchey Chowk,492001,4075329.Rajkot: Bajaj Capital Investor Services Ltd Prathibha Complex, Near Jayesh Publicity, Moti Tanki Chowk,360001,6450135. IDBI Capital Market Services Ltd 1St Floor, Ankur Bldg Dr. Radhakrishan Road, Near Moti Tanki,,360001,3056091. JM Financial Services Pvt Ltd 202 Solitaire, 2Nd Floor, Swami Vivekanand Marg, Near Municipal Commissioner Bunglow, Ramkrishna Nagar,360007,3984000. Kotak Securities Ltd Nath Complex, 2Nd Floor, Opp. Jilla Panchayat, Above Kotak Mahindra Bank, Yagnik Road,,2459436. SBICAP Securities Ltd 608, Dhanrajni Complex, 6Th Flr, Near Imperial Palace Hotel, Dr Yagnik Road,360001,3043328.Ranchi: Eureka Stock & Share Broking Services Ltd. G-2,Qtr,Shree Gopal Complex,Court Road,834001,2200230. Kotak Securities Ltd Shop No. 24 & 25, 2Nd Floor, A.C. Market, G.E.L. Church Complex, Main Road,,2200860.Rohtak: RR Equity Brokers Private Ltd 103 Balaji Financial House Scf-28 Huda Complex,124001,9896001705.Salem: Bajaj Capital Investor Services Ltd 22, Gf, Omalur Main Road,636009,6452565. Kotak Securities Ltd 5/241, F Rathna Arcade Five Road,Meyyanur,,2335476. SBICAP Securities Ltd Sbi Siruthozhil Branch Bank House,No. 68 Cherry Road,636007,4031780.Shimla: SBICAP Securities Ltd C/O State Bank Of India, New Building, 2Nd Floor, The Mall,171003,2652726.Siliguri: Bajaj Capital Investor Services Ltd 3Rd Floor, Jatin Das Sarani, (Near Jwel Club),Ashram Para,734001,9641831375. Eureka Stock & Share Broking Services Ltd. 2Nd Floor,Metro Plaza,S.F.Road,Khalpara,734405,9832379189. Kotak Securities Ltd Nanak Complex, 2Nd Floor, Sevok Road,,. Standard Chartered Securities (India) Ltd Pratap Market, 1St Floor, Sevoke Road, Near Payal Cinema,734401,2544894.Surat: Bajaj Capital Investor Services Ltd L-4, Ground Floor, Vishwakarma Chambers, Majura Gate Crossing Road, Ring Road,395002,6450421. JM Financial Services Pvt Ltd 407, 4Th Floor, 21 Century Business Centre, Near Udhna Char Rasta, Ring Road,395002,3984000. Kotak Securities Ltd Kotak House, K G Point, 1St Floor, Nr.Ganga Palace, Opp.Idbi Bank, Ghoddod Road,,2254553. RR Equity Brokers Private Ltd M 32-Center Point,Civel Char Rasta Ring Road,395002,9925233692. SBICAP Securities Ltd 1/580, Pore Street, Nanpura, Opp Sbi,395001,2464888. Standard Chartered Securities (India) Ltd U-18,Upper Ground Floor, Jolly Plaza, Athwagate,395001,2463101.Thiruvananthapuram: Bajaj Capital Investor Services Ltd Edamala Plaza, Tc 14/999 Opposite Police Headquarters, Vellayambalam Road, Vazahuthacadu Sasthamangalam Post,,695010,6450176. IDBI Capital Market Services Ltd Nh Road, Killipalam,Trivandrum.,695002,4018482. Kotak Securities Ltd Mahesh Estates, 2Nd Floor, T L -15/1805, Vazhuthacadu,,2337423. SBICAP Securities Ltd First Floor, State Bank Of Travancore Building, Sasthamangalam,695010,6454296.Trichy: Bajaj Capital Investor Services Ltd Swati Arcade, 73/1 - F 1St Floor Salaia Road, Thillai Nagar,620018,6452094. Kotak Securities Ltd C-56,1-24-4Th Cross, Thillai Nagar,,. SBICAP Securities Ltd C/O, State Bank Of India, Micr Center, Ground Flr, Asha Arcade, 73 Promenade Road, Cantonment,620001,4002818.Udaipur: Kotak Securities Ltd 222/12, Ist Floor, Mumal Towers, Saheli Marg,,513901. SBICAP Securities Ltd C/O Sbi, Main Branch, 23/C Madhuban,313001,2420150. Standard Chartered Securities (India) Ltd Abhay Niwas, 5, 1St Floor, Residency Road,313001,3204889.Ujjain: SBICAP Securities Ltd C/O Sbi Main Branch, State Bank Building, Budhwariya,,465001,4061476.Vadodara: Bajaj Capital Investor Services Ltd 129 Siddharth Complex, R C Dutt Road,390007,3088162. IDBI Capital Market Services Ltd G/24 Concorde Bldg R P Dutta Road, Near Idbi Bank, B/H Idbi Bank, Alkapuri,,390005,3201426. JM Financial Services Pvt Ltd G1Ground Floor, Shohan, 49 Alkapuri Society, Opp. Hdfc Babk, Alkapuri,390007,3984311. Kotak Securities Ltd 216, Meghdhanush Complex, Race Course Road (South),,2314455. RR Equity Brokers Private Ltd 222 Siddharth Complex,Rc Dutta Road,390007,3256190. SBICAP Securities Ltd Sbi, Alkapuri, R.C.Dutt Road,390007,6535747. SBICAP Securities Ltd C/O. Sbi Mandvi Main Branch, Opp Jamnabhai Hospital, Mandvi,,390001,2516422. SBICAP Securities Ltd C/O. Sbi Makarpura I.E. Branch, Vcci Building, Makarpura,390010,2632533. Standard Chartered Securities (India) Ltd F-101, Savoy Complex, Old Padra Road,390020,2357160.Varanasi: Bajaj Capital Investor Services Ltd D-58/53-54, 1St Floor, Shiva Complex, Rath Yatra Crossing,221010,6450181. IDBI Capital Market Services Ltd D-58/12, A-7, Iiird Floor, Gandhi Nagar, Sigra,,221010,9935397975. RR Equity Brokers Private Ltd D -64/127 C-H, Arihant Complex, Nagar Nigam Road, Sigra,221010,9415201997. SBICAP Securities Ltd C/O State Bank Of India , Bhelupur Branch,221010,22277558.Vijayawada: Bajaj Capital Investor Services Ltd Kalyan Complex 39-1-89, 1St Floor, Beside Obc Bank, Temple Street, M.G. Road, Labbipet,520010,6450181. Kotak Securities Ltd 40-1-48/1, Labbipet, M.G.Road,,6649061. SBICAP Securities Ltd Sbi ,Governorpet Branch Ali Begh Street Governorpet,520002,2577887.Visakhapatnam: Bajaj Capital Investor Services Ltd Door No.10-1-125, 1St Floor, Asilmetta Junction, Beside Prasad Labs,530003,6461773. IDBI Capital Market Services Ltd 10 / 1 / 44 3Rd Floor, T. L. N. Complex Opp. Idbi Bank, Siripuram,530003,3201715. JM Financial Services Pvt Ltd Door No 9-1-224/4/3, 1St Floor, Nandan Nirman,500003,3983800. Kotak Securities Ltd Door No.47-10-15, Vrc,,. SBICAP Securities Ltd C/O Sbi Main Branch, Demat Section, Opposite Jail Road Junction, Near Redham Gardens,530002,9949324544. Standard Chartered Securities (India) Ltd Vijayalakshami Nilayam, 1St Floor, 10-50-81, Rock Dale Layout, Waltair Main Road,530002,2739420. AXIS BANK LIMITED Ahmedabad:Trishul,OppositeSamartheshwar Temple, Law Garden,,Ellis Bridge, Ahmedabad 380 006, Gujarat; Bangalore: No. 9, M. G. Road,Block A,Bangalore 560001; Hubli: 1st floor, No. 122/146, Ward No. III, New Cotton Market, Deshpande Nagar, Hubli, Karnataka, Pin 580 029; Bhopal: Bhopal, Star Arcade, Plot No.165 A & 166, Zone - I, M.P.Nagar, Bhopal -462 011, Madhya Pradesh; Bhubaneshwar: C.O. ArchbishopSHouse,Satyanagar, ,Bhubaneshwar 751 007; Chandigarh: Chandigarh,Sco 343-344,,Sector 35-B,Chandigarh 160 022; Panchkula: Panchkula,Sco 10, Sector 10,Panchkula 134 109,Haryana; Chennai: 82, Dr. RadhakrishnanSalai, Mylapore, Chennai 600 004; Coimbatore: VigneswarCresta, No.1095, Avinashi Road, Pappanaickenpalayyam, Coimbatore - 641 037, Tamil Nadu; Dehradun: Shri Ram Arcade, 74(New No.250/466), Rajpur Road, Dehradun 248001, Uttarakhand; Delhi:Statesman House,148, Barakhamba Road, New Delhi 110 001; Guwahati: Ground Floor, Chibber House, G.S. Road, Dispur, Guwahati 781 005, Assam; Hyderabad: 6-3-879/B, G. Pulla Reddy Bldg., First Floor, Begumpet Road, Hyderabad 500 016; Jaipur: O-15, Green House,AshokMarg, C-Scheme,Jaipur 302 001, Rajasthan; Kochi:41/419, Ground Floor, Chicago Plaza, Rajaji Road, Ernakulam, Kochi - 682 035, Kerala; Kolkata: Ground & First Floors, 7, Shakespeare Sarani, Kolkata 700 071, West Bengal; Lucknow: Lucknow,25-B, Ashok Marg,SikanderBaghChauraha,Lucknow 226 001, Uttar Pradesh; Ludhiana: Lower Ground Floor, Shop No.AG-01, 02, 03, 3 A, 04, 05,05-A, 06, 07, 08, 09, 10, 11.Unit No. 1 & 2, The Boulevard, Plot No.105, Mall Road,Ludhiana, Punjab, 141001; Mumbai: Universal Insurance Bldg.,Ground Floor, Sir P. M. Road, Fort, Mumbai 400 001; Nagpur: Nagpur,M. G. House, Rabindranath Tagore Road,,Besides Board Office,Civil Lines, Nagpur 440 001, Maharashtra; Patna: LokNayak Jay PrakashBhawan, Dak Bungalow Crossing, Patna 800001, Bihar; Pune: Pune ,Sterling Plaza, Plot No.1262/B,JangliMaharajRoad,Near Deccan Gymkhana, Pune 411004; Raipur: Opp. New Bus Stand, JeevanBimaMarg, Pandri,Raipur 492 004, Chattisgarh; Surat: Surat,DigvijayTowers,Opp. St. XavierSSchool,GhodDod Road, Surat - 395 001; Vijayawada: Ground Floor, D No. 59A 1-7, Matha Towers, Ring Road, Near Benz Circle, Vijayawada 520 008.

HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED : COLLECTION CENTRES FOR APPLICATION FORMS
AXIS BANK LIMITED Ahmedabad Main Branch Trishul,Opposite Samartheshwar Temple, Law Garden,,Ellis Bridge, Ahmedabad 380 006, Gujarat Ajmer Rajasthan,Amc No/481-485/10,Kutchery Road, India Motor Circle,Ajmer 305 001, Rajasthan Ambala Cantonment Ambala Cantonment,Lic Office, Jeevan Jyoti Building, Lic Office,Jln Marg, Jagadri Road,,Ambala Cantt/133001, Haryana Amritsar 29, Kennedy Avenue, Court Road, Amritsar 143001, Punjab Anand Anand,Satyam Chambers,Amul Dairy Road, Anand 388001,Gujarat Bangalore Main Branch No. 9, M. G. Road,Block A,Bangalore 560001 Bardoli Manchhaba Sankskruti Bhavan,Sardar Baug, Bardoli 394 601,District Surat, Gujarat Bharuch Shri SAd Vidya Mandal Institute Of Technology (Svmit) College Campus,Old National Highway No/ 8,Bharuch 392 001, Gujarat Bhavnagar Plot No.4/B, Vasundhara Complex, Opp. Dakshinamurthy School, Waghawadi Road, Bhavnagar 364 002, Gujarat Bhilai Block A, Plot No.5, Uttar Gangotri, Off. G E Road, Supela Chowk, Bhilai 490 020, Chhatisgarh Bhopal Star Arcade, Plot No.165 A & 166,Zone - I, M.P.Nagar, Bhopal -462 011,Madhya Pradesh Bhubaneswar C.O. ArchbishopS House,Satyanagar, ,Bhubaneshwar 751 007 Bikaner Bikaner, Rajasthan,Shree Gaurav Complex, Daga Maidan,Near Dak Bunglow And Railway Station, ,Rani Bazar Road, Bikaner 334 001, Rajasthan Burdwan 2nd Floor, City Tower,23, G.T. Road, Burdwan 713101, West Bengal Chandigarh Chandigarh,Sco 343-344,,Sector 35-B,Chandigarh 160 022 Chennai Main Branch 82, Dr. Radhakrishnan Salai, Mylapore, Chennai 600 004 Cochin (Kochi) 41/419, Ground Floor, Chicago Plaza, Rajaji Road, Ernakulam, Kochi - 682 035, Kerala Dehradun Shri Ram Arcade, 74(New No.250/466), Rajpur Road, Dehradun 248001, Uttarakhand Faridabad Faridabad, Haryana,Shop No/6, Crown Complex ,Neighbourhood No/2,1-2 Chowk, N/I/T/, Faridabad 121 001, Haryana, Guwahati Ground Floor, Chibber House, G.S. Road, Dispur, Guwahati 781 005, Assam Hissar Hissar, Haryana,Sco No/ 177, ,Commercial Urban Estate,No/ 1, Hissar 125 001, Haryana Hyderabad Main Branch 6-3-879/B, G. Pulla Reddy Bldg., First Floor, Begumpet Road, Hyderabad 500 016 Indore Indore,Kamal Palace, 1, Yeshwant Colony,Yeshwant Niwas Road,Indore - 452 003 Jaipur O-15, Green House,Ashok Marg, C-Scheme,Jaipur 302 001, Rajasthan Jalandhar SCO 30-31, Guru Ram Dass Divine Tower , Opp Mini Secretariate, Ladowali Road , Jalandhar, Punjab 144 001 Jammu Ground Floor, Highland Tower, Rail Head Complex, Jammu 180 004, J & K Jamnagar Jaidev Arcade, Ground Floor, Park Colony Main Road, Near Joggers Park, Jamnagar 361008, Gujarat Jodhpur Ground Floor and First Floor, Prince Tower, Plot No. 654, Residency Road, Jodhpur, Rajasthan 342003 Kanpur Ground & First Floor, 16/104-A, Civil Lines, Kanpur, Uttar Pradesh 208 001 Karaikudi Karaikudi, Tamil Nadu,15.1 Shanmugaraja Road,Behind New Court, Karaikudi,Dist. Sivaganga, Tamil Nadu, Pin 630001 Kolkata Ground & First Floors, 7, Shakespeare Sarani, Kolkata 700 071, West Bengal Kota 414, Shopping Centre, Kota 324 007, Rajasthan Lucknow Lucknow,25-B, Ashok Marg,Sikander Bagh Chauraha,Lucknow 226 001, Uttar Pradesh Ludhiana Lower Ground Floor, Shop No.AG-01, 02, 03, 3 A, 04, 05,05-A, 06, 07, 08, 09, 10, 11.Unit No. 1 & 2, The Boulevard, Plot No.105, Mall Road,Ludhiana, Punjab, 141001, Meerut Hotel Crystal Plaza, G-2/47, Civil Lines, Boundary Road, Meerut 250 001, Uttar Pradesh, Mumbai Universal Insurance Bldg.,Ground Floor, Sir P. M. Road, Fort, Mumbai 400 001, Muzaffarnagar Muzaffarnagar, Uttar Pradesh, Dr S Prakash Business Complex,171 Civil Lines (South), Court Road,Muzaffarnagar 251 001, Uttar Pradesh New Delhi Statesman House,148, Barakhamba Road, New Delhi 110 001 Nagercoil: Thayammal Harris Tower, No. 42, Court Road, Nagercoil 629001, Distt: Kanyakumari, Phone 04652-220937-38/940, Panchkula Panchkula,Sco 10, Sector 10,Panchkula 134 109,Haryana Panipat Panipat, Haryana,515-515B, Ward No/ 8, ,Gaylord Hotel Building,G/T/ Road, Panipat 132 103, Haryana Raipur Opp. New Bus Stand, Jeevan Bima Marg, Pandri,Raipur 492 004, Chattisgarh Rajkot Titan, Near K K V Circle, Kalawad Road, Rajkot 360005 Shimla Shimla,Gf/Ff, Durga Cottage,Commercial Complex,Kasumpti, Shimla - 171 009 Surat Surat,Digvijay Towers,Opp. St. XavierS School,Ghod Dod Road, Surat - 395 001 Udaipur 222/21, Saheli Marg, Near UIT Circle, Udaipur 313 004, Rajasthan Ujjain Ujjain, Madhya Pradesh,Ground Floor, Hotel Ashray,77, Dewas Road,Ujjain 456 010, Madhya Pradesh Vadodara Vardhaman Complex, Opp. G.E.B., ,Near Pizza Hut, Race Course Circle (North),Vadodara 390 007, Gujarat Varanasi Varanasi, Uttar Pradesh,C-19/134, M-B, Ground & 1St Floor,Shastri Nagar, Sigra,Varanasi 221 002, Uttar Pradesh Vijayawada Ground Floor, D No. 59A 1-7, Matha Towers, Ring Road, Near Benz Circle, Vijayawada 520 008. HDFC BANK LIMITED Agra:-First Floor,Pariney Garden,Bhagfarjana, Civil Lines, Agra - 282002.,0562 4010382; Ahmedabad:-HDFC BANK LTD,Astral Tower, Near Mithakhali Six Raod,Navrnagpura, Ahmedabad - 380 009,079-32423470; Asansol:-P.C Chatterjee Market , rambandhu talaw ,Asansol-713303,0341-2315179; Bangalore:-HDFC BANK LTD.,Cash Management Services SALCO CENTRE # 8/24, Richmond Road, BANGALORE560025,080-66633131; Belgaum:-HDFC Bank Ltd,. No 4830/2A Opp District Hospital Dr Ambedkar Road. Belgaum 590 002,Belgaum-590002,0831 2404415; Bhilwara:-HDFC Bank Ltd., WBO, Shop no. 1-2-3-4, A Block, First Floor, SK Plaza, Pur Road Bhilwara (Raj.) 311001,01482-512686; Bokaro:-B-9 , City Centre , Sector-4 , Bokaro Steel City,Bokaro,Bokaro-827001,(06542) 232787; Calicut:-HDFC BANK LTD, III FLOOR, SIMAX TOWERS, KANNUR ROAD, NADAKKAVE, CALICUT -673011,0495- 4433154,155; Chennai:-No. 115, Dr. Radhakrishnan Salai, 2nd Floor, Opp. to CSI Kalyani Hospital, Mylapore, Chennai - 600004. 044-28477102; Dhanbad:-SRI RAM PLAZA , 1ST FLOOR, BANK MORE DHANBAD,JHARKHAND-826001,(0326) 2308831; Erode:-NO.680,Lotus Enclave,Brough Road,Erode,Erode-638001,0424-2261287; Gandhidham:Plot no.1, Sector-8, Rabindranath Tagore Road,Gandhidham -370201,02836-653251/ 02836-233514; Gorakhpur:-Wholesale Banking Operations,Shreenath Complex, 10, Park Road, Civil Lines, GORAKHPUR -273001,0551-2205685 / 0551-3208666; Hyderabad:-WBO 1-10-60/3, III Floor, Suryodaya,Begumpet,HYDERABAD-500016,040-30472772 / 2770 / 2771; Jaipur:-HDFC Bank House, 2nd Floor, O-10,Ashok Marg,CScheme,Jaipur-302001,0141-5103486 , 5115476; Jalandhar:-HDFC Bank Ltd., 1st Floor, 911, GT Road, Nr. Narinder Cinema, Jalandhar-144001,0181-5017790-92; Jamshedpur:-HDFC Bank Ltd., 1st floor, 105 ,SNP Area , Sakchi , Jamshedpur - 831 00,0,0-831001,0657-2442756; Kochi:-FIRST FLOOR, PALARIVATTOM 25,COCHIN-682025,0484-4456607; Kolkatta:-Abhilasha - II, 6 Royd Street (2nd Floor),Kolkata700016,033-22273761; Madurai:-Sri Nithyakalyani Towers, No 34 Krishnarayan Tank Street, North Veli Street,Madurai-625001,0452 4246609; Mangalore:-Ideal Towers 1st floor , Opp Sharavu Ganapathi Temple , G T road Mangalore-575001,0824-6451392/93; Mehsana:-Prabhu Complex Nr Rajkamal Petrol Pump, Highway Road,Mehsana 384002.02762 243173; Moradabad:- HDFC Bank Ltd, First Floor, Chaddha Complex, GMD Road,Moradabad-244001,0591-2310508; Mumbai:-Ground Floor, Maneckji Wadia Building,Nanik Motwani Marg,Near Kala Ghoda,opp Mumbai University,Fort,Mumbai-400001,022-40801570 / 1528 / 1570 / 1560; Nellore:-17/126, G.V.R. Enclave, G.T. Road,Nellore-524001,0861-6450852/0861-2327171; New Delhi:-Fig-Ops 1st Floor, Kailash Bldg,New Delhi-110001,011-43174071/011-43174072/01143174073; Panjim:-301, Milroc Lar Menezes, Swami Vivekanand Road,Panjim-403001,0832-6659746; Patiala:-Building NO 11520, 1st Floor Leela bhawan, Near Gopal Sweets,Patiala-147001,0175-5022000; Pondicherry:-T.S.No.6, 100Ft Road, Ellaipillaichavady,Pondicherry-605005,0413 -2206575; Raipur:-HDFC BANK LTD, Chawla Towers, Near Bottle House, Shankar Nagar, Raipur, Chhattisgarh 492007, RAIPUR492007, 0771-4003110/3112; Rajahmundry:-46-17-20, 1stFloor, Danavaipet,Rajahmundry-533103,0883-2428691 / 0883-2428826; Ranchi:-56 ROHINI COMPLEX CIRCULAR ROAD LALPUR RANCHI 834001,RANCHI-834001,0651-2560522-3058005; Rohtak:-Jawahar market, Opp D-Park, Model town,Rohtak-124001,01262-326841, 210098; Rourkela:-Dewadi Bhavan,Rourkela-769001,0661-2500666; Shillong:ANDERS MANSION, POLICE BAZAR,SHILLONG-793001,03642506043; Shimoga:-HDFC BANK LTD, W B O, No 447 ,Sharavathi Complex, Savarlane Road,Shimoga-577201,Land Line 08182-261359; Siliguri:-136/115 Hill Cart road,Siliguri-734401,0353-2520409; Solapur:-HDFC Bank Ltd, 8516/11 Murarji Peth,Sun Plaza Bldg,Lucky Chowk,Solapur-413007,0217-2320877; Surendranagar:-Middle Point, A Wing, Nr : Milan Cenama, Main Road, Surendranagar.-363002,02752-650105; Trivandrum:-BOB Plaza , Second Floor, T. C. 12 / 149 ( 3), Pattom ,Trivandrum-695004,0471-3083430; Tirupati:-HDFC BANK LTD, 19-8-180,Krishna Arcade, Beside IBP Petrol pump, Near Annamaiah Circle,TIRUPATI-517501,0877-2220374; Tirupur:-HDFC Bank Ltd,No-169,Chidambaram Complex,Kumaran Road,Tirupur-641601,0421-4342422; Trichur:Third Floor, Suharsha Towers,Shornur Road,TRICHUR-680001,0487-6452085/ 6452098; Udaipur:-Uday 2floor 3 Durga nursery,Udaipur-313001,0294-5103355/5132355; Unjha:-1st Floor, Suvidhi Complex, Station Road,UNJHA -384170,02762-240624; Valsad:-1st Floor, Ekta Apt, Tithal Road,Valsad-396001,02632 652201; Vapi:-1 st Floor , Kanta Trade Center, GIDC Char Rasta,Vapi -396195,0260-6548104; Vishakapatnam:-HDFC BANK, FIRST FLOOR, POTLURI CASTLE, # 48-14-9, DWARAKANAGAR VISAKHAPATNAM-530016,0891-6671123. ICICI BANK LIMITED Agra: No. 6,8- 13,Ground Floor , Shanta Tower, Sanjay Place, Agra. 282002, U.P., 0562 2855401 /2520703 /2525650 /2526772 /2526790; Ahmedabad: JMC House, Opp. Parimal Gardens,Opp Parimal Garden, Ambawadi, Ahmedabad - 380 006, Gujarat,(079) 66523717-719; Amritsar ICICI Bank Ltd, 361, M.C International The Mall, Amritsar - 143001, Punjab , 0183 - 2211651 / 52;2213278/79;2226213/14/ 15 ; Bangalore: ICICI Bank Towers, 1, Commissariat Road, Ground Floor, Bangalore 560025, Karnataka, 080 - 41296007 ; Belgaum: Shree Krishna Towers, #14, Khanapur Road, RPD Cross, Tilakwadi, Belgaum-590006, Karnataka, 0831 -2404 203, 2404 204,2404 205; Bharuch: Blue Chip Complex, Sevashram Road, Panchbatti,Bharuch 392001, Gujarat 02642 - 252451/ 52 / 53 ; Bhavnagar: Ground Floor, Plot No. 2569,Ratnadeep, Opp. Central Salt Research Institute,Waghawadi Road, Bhavnagar-364002, Gujarat, 0278 2573626/27; Bhopal: Plot No. 11, Zone II, Alankar Palace Near Pragati Petrol Pump, M. P. Nagar, Bhopal. 462011, M.P., 0755 - 4226979 - 80 / 4283120; Bhubaneshwar: OCCF Building, Opp Sriya Talkies, Unit - III, Bhubaneswar 751001, Orissa, 0674-2380585/2380594; Ghaziabad: ICICI Bank Ltd, R- 1/88, Raj Nagar, Ghaziabad-201001, Uttar Pradesh, 0120 - 2833868 / 2833071/2854371/2854372; Guntur: ICICI Bank Ltd., 5-82-2, PMG Complex, Lakshmipuram Main Road, Guntur - 522002 (Andra Pradesh) 522002 0863 - 2233653 / 2252500 / 2234391; Gurgaon: ICICI Bank Ltd, SCO 18 & 19, HUDA Shopping Centre, Sector-14, Market Complex, Gurgaon-122001, Haryana 0124 4267151-7; Guwahati: Ground Floor, Shanti Complex, G S Road, Bhangagarh, Guwahati. 781005, Assam 0361 - 2452748,2452743,2450943, 2457782; Hissar: Plot No 57-60, Kamla Palace Road, Red Square Market, Hissar 125001, Haryana 01662 - 229704 / 239877 / 239879 / 229705; Hubli: Eureka Junction, Travellers Bungalow Road, Hubli. 580029, Karnataka 0836 4265212, 4265216, 4265223, 4265240, 4265229; Hyderabad: 6-2-1012, TGV Mansions, Opp. Institution of Engineers, Khairatabad, Hyderabad. 500004, Andhra Pradesh 040 23301534; Indore: ICICI Bank Ltd.,4, Chhoti Khajrani, Malav Parisar, A-B road, Indore, Pin 452 008, MP 0731 - 4241136,7,8, 9; Jamshedpur: Natraj Mansion, Main Road, Bistupur, Jamshedpur 831001, Jharkhand, 0657 - 2422509 / 10 / 2425907 / 12; Jodhpur: 637-B, Gr. Floor, Bhansali Complex, Residency Road, Jodhpur. 342003, Rajasthan 0291 - 5107001 002; Kanpur: J.S Towers 208001 0512 - 2331041, 42, 43, 44, 45; Kolhapur: Ground Floor, Vasant Plaza, Rajaram Road, Rajarampuri, Kolhapur. 416001, Maharashtra 0231 2534292/3/4; Kolkata: 22, R N Mukherjee Road, Kolkata. 700001, West Bengal 033 - 22428537 / 22100995; Lucknow: ICICI Bank Ltd, Shalimar Tower, 31/54 M.G. Marg, Hazratganj, Lucknow -226001 U.P., 226001 0522 - 2214246 /2214247 / 2214254; Mumbai: (Capital Market Div.) 30,Mumbai Samachar Marg 400001Maharashtra 022-22627600; Mysore: 2950, Aishwarya Arcade, 9th Cross, Kalidasa Road, V.V. Mohalla, Mysore. 570002 Karnataka 0821-2414006/2412222/2416888; Nagpur: Vishnu Vaibhav, 222, Palm Road, Civil Lines, Nagpur. 440001Maharashtra 0712 - 2540302 / 5614040 /2561983 /2540294; Nasik: U-1, Crown Commercial Complex, Opp. Rajiv Gandhi Bhavan (NMC), Utility Centre, Sharanpur Road, Nashik. 422002 Maharashtra 0253 - 5605600/ 5606032/ 5606033; New Delhi: 9A, Phelps Building, Inner Circle, Connaught Place, New Delhi. 110001, Delhi 011 -41517954-58; Noida: K-1, Senior Mall, Sector 18, NOIDA-201301, Uttar Pradesh, (0120) 4059801-75; Pune: A-Wing, Shangrila Gardens, Bund Garden Road, Pune. 411001 Maharashtra 020 - 66270640 / 66270641; Rajkot: Jai Hind Press annexe, Opp. Shardabaug, Babubhai Shah Marg, Rajkot. 360001 Gujarat 0281 - 2443973 / 74 / 75 / 76; Ranchi: Main Road (near Ratanlal Petrol Pump), Ranchi - 834001, Jharkhand 0651 2330286, 2330654,2330789 ; Salem: Swarnambigai Plaza, S. F. No. 6/5, Block no. 7, WardC, Omalur Main Road, Near Bus Stand, Salem. 636009 Tamil Nadu 0427 - 2336635 / 36 / 39; Surat: Anjan Shalaka, Lal Bungalow, Athwa Lines, Surat- 395007 Gujarat 0261 - 6452556, 2258234/35; Vadodara: Landmark Building, Race Course Circle, Alkapuri, Vadodara. 390007 Gujarat 0265 - 2339923 / 2339924 / 2339925 / 2339927 / 2339928; Vijaywada: D-40-1-52/5, Sainag Complex, M G Road, Vijayawada. 520010 Andhra Pradesh 0866 6610001,6610002,6610003,6610004; Visakhapatnam: 47-14-18, Isnar Satyasri Complex, Main Road, Dwarkanagar, Vishakapatnam. 530016, Andhra Pradesh 0891 - 2500641 - 43,45,46. IDBI BANK LIMITED Ahmedabad, IDBI Bank Ltd, IDBI Complex, Lal Bungalows Off. C.G. Road, Ahmedabad 380006, 079-65415006 / 66072834;Aligarh:IDBI Bank Limited, CMS Desk, Liberty Plaza, Kishanpur Tirala, Ramghat Road, Aligarh - 202001, Uttar Prdesh, 0571-2740521 / 0571-2740521,6453906; Amritsar: IDBI Bank Ltd,Ajacent to to Hotel Raj Continental, Opp. Court Road, Amritsar 143001, Ph: 183-2224574/75 ; Bareilly: IDBI Bank Ltd, 146, Civil Lines, Circuit House, Chouraha, Bareilly 243001, Phone-0581-2510399; Bangalore:IDBI Bank Ltd,102,Shakti Comfort Towers,K H Road,Bangalore PIN : 560027 PH: 080-67121000/6712089; Bhagalpur: IDBI Bank Ltd., CMS Desk, Adjacent To UBI, 1st Floor, Khalifabad Chowk, Bhagalpur - 812001 Bihar, 0641-2301206-2301208; Bhubaneshwar: IDBI Bank Ltd, IDBI House, Janpath, Unit IX, Bhubaneshwar 751022, 0674-2541655/2542576; Chennai: IDBI Bank Ltd, 37, P M Tower. GREAMS RD CHENNAI 600006, 044-24301730/31; Coimbatore: IDBI Bank Ltd, 72, Mayflower E-Castle, Dr Balasundaram Road, Att Coloney, Off Avinashi Road, Coimbatore 641018, 0422-2246666; Cuttack:IDBI Bank Ltd, CMS Desk, Ground Floor, Kavita Bhawan, College Road, College Square, Cuttack, Orissa - 753 003, 0671-2630909/10; Dehradun: IDBI Bank Ltd, 59/4, Rajpur Road, Dehradun - 248 001, 0135-2744477 / 2741226 / 27; Durgapur: IDBI Bank Ltd, , CMS Desk, Ruma Sweets Building, Nachan, Road, Benachity,Durgapur West Bengal 713213, 0343- 2588296/98/99; Indore: IDBI Bank Ltd, Alankar Chambers, Ratlam Kothi, A. B. Road, Indore 452001, 0731-4066051/6679133; Jabalpur: IDBI Bank Ltd, Shukla Bhawan 1415,Wright Town Jabalpur 482002, 0761-4050928; Jaipur: IDBI Bank Ltd,Ground Floor, Jeevan Nidhi Bldg., Lic Complex,Bhavani Singh Road,Jaipur, Pin :302005, 141-5109356-9; Jodhpur: IDBI Bank Ltd, Dhanalaxmi Towers, 1st Chopsani Road, Jodhpur 342003, 0291-5104455; Kochi/Ernakulum/ Cochin: IDBI Bank Ltd,Panampily Nagar, Post Bag No.4253,Kochi-682036,Kerala,PH: 0484-2322060/ 62/63/64; Kolkata : IDBI Bank Ltd,44,Shakeshpeare sarani, PB No.16102,Kolkata -700017,West Bengal, Ph: 033-66338888/66338899; Lucknow : IDBI Bank Ltd, Kisan Sahakari Bhavan, 2, M G Road, Hazratganj, Lucknow 226001, 0522-6574777; Mumbai:IDBI Bank Ltd, Mittal Court, A Wing, IInd Floor,Nariman Point, Mumbai 400021, 022- 66588187; Navsari:IDBI Bank Ltd, HareKrishna Complex, Chimnabai Road,Near Vasant Talkies, Navsari 396445, 02637-248951; New Delhi: Indian Red cross society bldg,1,red cross road, Post Box num 231,New Delhi, Pin:110001, 91 (11) 23461900, 91(11) 23711733, 23725479; Patna: IDBI Bank Ltd, Kashi Palace Complex, Dak Bungalow Road,Opp. Heera Palace, Patna 800001, 0612-2204144; Porbandar: IDBI Bank Ltd., CMS Desk, Bhavya Building, Ground Floor, Opp. Maha Prabhuji Bethak, M G Road, Porbandar - 360575 Gujarat, 0286-6454111-222; Rajkot: IDBI Bank Ltd, Shivdarshan Nr.Kathiawad Gymkhana,Dr.Radhakrishnan Road, Rajkot 360001, 0281-2467000; Thiruvananthapuram: IDBI Bank Ltd, Ground Floor, Samdrudhi Magnet Building, Oppo. Womens College, Near Kalabhavan Theatre, Vazhuthacaud, Trivendrum. (Thiruvananthapuram) 695014, 0471-2571166 / 68 / 69; Vadodara / Baroda: IDBI Bank Ltd, CMS Desk, 3rd Floor, Garg Complex, 46 A, Gautam Nagar, Oppo. Pizza Hut, Race Course, Baroda 390007, 0265-6533221. INDUSIND BANK LIMITED Ahmedabad: World Business House, M. G. Road Nr. Parimal Garden, Ellis Bridge, Ahmedabad - 380 015. 079-26426105 to 08, 26564292 / 0401; Bangalore: Ground Floor, Centenary Building, No. 28, M. G. Road, Bangalore 560 001. 080-6546 2881 2559 2309; Bhavnagar: Shop Nos 1 to 7 and 13, Madhav Hills Waghawadi Road, Bhavnagar 364 002. 0278-2512055 / 2011,2512088; Coimbatore:652662, Tristar Towers Avanashi Road,Coimbatore-641 037.0422-2223572 / 0738 / 0551 / 0273 / 0550 / 2790, 2221770; Chennai:No.3 Village Road Nungambakkam, Chennai - 600 034. 044- 4596 2500 / 01 / 02 / 03; Hyderabad: 1-8-448, Sardar Patel Rd. Begumpet, Secunderabad 500 003. 040-2790 7660 / 64 / 65 / 4663 27907673; Indore: Industry House 15 Agra Mumbai Road, Old Palasia, Indore - 452 001. 0731-2542696 / 7 / 8, 2539092; Jaipur :Sangam Complex,Gr.Flr.Church Road, Jaipur 302 001. 0141-2387301-05 2387084; Jamnagar: Shivam Complex, Teen Batti, Opp. Badri Complex, Jamnagar -361 001. 0288-2664322 / 5760,2664321; Jodhpur: 3,4,5, Olympic Tower, Station Road, Jodhpur-342001. 291-2627491, 2647738 / 39, 5103326/0291-2647735; Kolkatta: Savitri Towers, 3A, Upper Wood Street, Kolkata 700 017. 033-30212400 / 01 (30 lines); Lucknow: Ks Trident, 10 Rana Pratap Marg, Lucknow 226 001, Uttar Pradesh. 0522-220 4681 / 82 / 83,220 4680; Mumbai: Premises No. 1, Sonawala Building 57, Mumbai Samachar Marg, Fort, Mumbai- 400 001.022-66366580 83, 66366590 / 87; New Delhi:Dr. Gopal Das Bhawan 28, Barakhamba Road, New Delhi - 110 001. 011-23738040 / 8408 / 8407, 23738041; Pune: 2401,Gen.Thimmayya Rd.(Cantonment),Pune - 411 001. 020-26343201 / 227 / 228 / 229 / 236 / 238, 26343241; Surat: G-2, Empire State Bldg., Near Udhana Darwaja,Ring Road, Surat 395 002. 0261-2366823 / 24 / 27 / 30, 2346469; Mumbai- Thane: Jinja Society, Opp.Dhamani Estate, LBS Marg, Thane West 400 602. 022-25390387/25306951; Udaipur:- C, Chowgaan Yojana, Near Lok Kala Mandal,Panchavati Choraha, Udaipur - 313 001. 0294-2417294/295,2415240; Vadodara / Baroda:Ground Floor & 1st Floor, Gold Croft, Vishwas Colony, Jetalpur Road, Baroda 390 005 . 0265-2332409 / 16 / 18 / 232 6113, 2332413. KOTAK MAHINDRA BANK LIMITED Ahmedabad - Ground Floor,Chandan Houseopp. Abhijeet Iii,Near Mithakali Six Roads,Navrangpura, Ahmedabad - 380006 079-66614800; Anand - P.M.Chambers, Mota Bazar, Vallab Vidya Nagar, Anand - 388120 02692-229993 /94; Bangalore - 10/7 , Umiya Land Mark, Next to Chancery Hotel Lavelle Road , Bangalore-560001 080-66123250; Bhavnagar - Bhavna Construction Company, Plot No 2108 /A, G.R.Sterling Centre, Waghwadi Road, Bhavnagar - 364001 09327518890; Chandigarh - Sco 153-154-155, Madhya Marg, Sector 9 -C, Chandigarh - 160009 0172- 5008619 ; Chennai - Capitale,Ground Floor,555, Anna Salai,Chennai - 600018 044- 42040211; Jaipur - 57, KRISHNA TOWER , SARDAR PATEL MARG,C-SCHEMEJAIPUR302001 0141-5157110; Jamshedpur - Gayatri-Enclave,-K.-Road,-S.-Town-Bistupur,-Jamshedpur831001 0657-6621809; Kochi/Ernakulum/ Cochin - Ground Floor,Kumarapillai EstateM G Road, Cochin - 682031 0484-4470111; Kolkata - Apeejay House 15, Parkstreet ,Kolkatta - 700016 033- 44011974; Lucknow - 3Gf, Speed Building, Shahanazaf Road, Lucknow - 226001 0522-4038214; Mumbai - 5 C/ Ii, Mittal Court 224, Nariman Point,Mumbai - 400001 91-22-66563408; Nagpur - Ground Floor, 345, Shree Mohini Complex, Kingsway, Nagpur - 440001 0712-6620801/6620807; New Delhi - Ground Floor, Ambadeep,14, K.G. Marg, New Delhi-110001 08860635691; Pune - Bakre Avenue, FP NO 226/3, Bhandarkar Road, Pune-411004 020-66094044; Rajkot - Nath Complex, Ground Floor, Near Race Course, Dr. Yagnik Road, Rajkot - 360007 0281-6622607 ; Surat - Ground Floor, Kotak House, Kg Point, Ghod Dod Road, Surat - 395007 0261-6679027; Trichy - B-17,Aishwaryam BuildingSasthiri Road, Thillai Nagar, Trichy - 620017 0431-4023823; Vadodara / Baroda - Panorama Building, R.C. Dutt Road, Alkapuri, Vadodara - 390015 0265-6620351/352/353/357. PUNJAB NATIONAL BANK Ambala Cantt: Sadar Bazar, Ambala Cantt., Haryana Ph 0171-2642849, 2630249; Bhopal: New Market, Bhopal, Madhya Pradesh 462003 Ph 0755-2554665, 2559100; Calicut: Main, PB No 11, KP Keshav Menon Road 673003, Kerala Ph 0495-2703128, 2704665; Chandigarh PNB House Sector 17-B UT, 160017 Ph 0172-2703167, 2707860; Chennai: Purasawalkam, 21 Raja Annamalai road, 600084: Tamil Nadu Ph 044-26412497, 791; Gwalior:Lashkar, Naya Bazar 474004, MP: 0751-2321017, 2320645; Hyderabad: 4-1-427, Troop Bazar Bank Street, 500001, AP: Ph 040-24743748/4665; Jalandhar: Company Bagh Chowk, Civil Lines, Jalandhar, Panjab Ph 0181-2224443, 2224162; Karnal: GT Road, Karnal, Haryana Ph 184-2250261, 2262177; Ludhiana: Industrial Area A, Near Manju Cinema, Ludhiana 141003, Panjab Ph 0161-2531874, 2531142; Mumbai: Capital Market Services Branch, 2nd Floor, PNB House, PM Road, Fort Mumbai 400001 Maharashtra 022-22621123, 22621122; New Delhi: Capital Market Services Branch, 5 Sansad Marg, New Delhi 110001, Ph 011-23757531, 23737533; Patiala: Inside Sheran Wala Gate, Mall Patiala 2213052 Panjab Ph 0175-2201394, 2226644. STATE BANK OF ND A m M M m W m M M M m m M Mm Mm M M m W M W m M M M W W M M M

YES BANK LIMITED Ahmedabad: 102/103, CG Centre, CG Road, Ahmedabad 380009, Gujarat, Ph: 079 - 66099216; Aurangabad: A7, Ground Floor, Aurangabad Business Centre, Aurangabad 431001, Maharashtra, Ph: 0240-6619010; Bangalore: Ground Floor, Prestige Obelisk, Municipal No 3, Kasturba Road, Bangalore - 560001, Karnataka, Ph: 080 - 40179035; Chandigarh: Shop Cum Office (Sco) No 151-152, Sector 9c, Madhya Marg, Chandigarh - 160017, Chandigarh, Ph: 0172-6659102; Hyderabad: Mayank Towers, Survey No.31 (Old),31/2 (New), Raj Bhavan Road, Somajiguda, Hyderabad - 500082, Andhra Pradesh, Ph: 040-66739000/228; Jodhpur: Ground Floor 117/4, PWD Colony, Jodhpur - 342001, Rajasthan, Ph: 0291-3981210; Kanpur: Ground Floor, Padam Towers 14/113, Civil Lines, Kanpur 208001, Uttar Pradesh, Ph: 0512-6710138; Kolkata: No.19, Camac Street, Kolkata - 700017, West Bengal, Ph: 033 - 3987 9162; Ludhiana: B-XX/2427/928, GF- FF, Gobind Nagar, Ferozepur Road, Ludhiana - 141001, Punjab, Ph: 0161-4689002; Mumbai: 1 A Mittal Chambers, Nariman Point Opp Inox Theatre, Mumbai - 400021, Maharashtra, Ph: 022-66229164; Nagpur: Gr Floor Swami Sadan, Plot No 206/1 A Gpo Square, VIP Road Civil Lines, Nagpur - 440001, Maharashtra, Ph: 712-6628820; Nashik: Shop No 9 To 13, Agora, Canada Corner, Junction Of Sharanpur And College Road, Nashik - 422002, Maharashtra, Ph: 253-6619000/6; New Delhi: 11/48 Diplomatic Enclave Malcha Market, Nyaya Marg, Chanakyapuri, New Delhi 110021, Ph: 124 - 4619205/119; Panjim: Ground And First Floor, Plot-Santo Agostinho,18th June Road, Panaji - 403001, Goa, Ph: 0832-3044004; Pune: Karan Selen, Bhandarkar Road, Shivaji Nagar, Pune - 411004, Maharashtra, Ph: 020-66200861/9; Rajkot: First Floor, Nath Edifice, Plot No 21/2s, No.450/C, Jct Dr Yagnik Rd And Race Course Rd, Rajkot - 360001, Gujarat, Ph: 0281-6691404; Surat: Gr Floor,Mangaldeep, Ring Road, Near Mahavir W

HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED

IN THE NATURE OF FORM 2A - ABRIDGED PROSPECTUS CONTAINING SALIENT FEATURES OF THE PROSPECTUS Applicants are advised to read the Shelf and Prospectus Tranche - I dated January 23, 2012 (Prospectus) filed with Registrar of Companies, National Capital Territory of Delhi and Haryana 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 Application 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 Series of Bonds they wish to apply for. Please refer to Terms of the Issue on page 28 of the Prospectus Tranche - I. TERMS OF THE ISSUE : The Bonds being offered as part of the Issue are subject to the provisions of the SEBI Debt Regulations, the Companies Act, the CBDT Notification No. 52/2011.F.No.178/56/2011-(ITA.1) dated September 23, 2011, the Shelf Prospectus, the Prospectus Tranche- I, the Application Form, the terms and conditions of the debenture trustee agreement and the Debenture Trust Deed, other applicable statutory and/or regulatory requirements including those issued from time to time by SEBI, the GoI, and 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 Bonds. 1. Authority for the Issue : The Central Board of Direct Taxes, by virtue of power conferred upon it under Section 10(15)(iv)(h) of the Income Tax Act, 1961, has issued Notification No. 52/2011.F.No.178/56/2011(ITA.1) dated September 23, 2011 authorising our Company to issue the said Bonds up to an aggregate amount of ` 5,000 crores during Fiscal 2012. Our Company shall issue the Bonds up to an aggregate amount of ` 4,684.72 crores through this issue during Fiscal 2012 out of the amount of ` 5,000 crores, as approved by its Board pursuant to resolutions dated March 24, 2011, January 10, 2012 and January 20, 2012. Our Company has already raised tax free bonds through private placement for a sum of ` 315.28 crores till date. The Issue is for the balance amount of ` 4,684.72 crores. 2. Issue and status of Bonds : 2.1. Public issue by our Company of tax free bonds of face value of ` 1,000 each, in the nature of secured, redeemable, non-convertible debentures having benefits under section 10(15)(iv)(h) of the Income Tax Act, 1961, aggregating ` 2,000 crores with an option to retain an oversubscription upto the Shelf Limit (i.e. ` 4,684.72 crores). 2.2. The Bonds shall be secured pursuant to a Debenture Trust Deed and underlying security documents. The Bondholders are entitled to the benefit of the Debenture Trust Deed and are bound by and are deemed to have notice of all the provisions of the Debenture Trust Deed. 2.3. The Bonds are issued in the form of tax free bonds of face value of ` 1,000 each in the nature of secured, redeemable, non-convertible debentures, having tax benefits under Section 10(15)(iv)(h) of the Income Tax Act, 1961, and are proposed to be secured by a floating first pari-passu charge on present and future receivables of our Company to the extent of amount mobilized under the Issue. Our Company reserves the right to create first pari-passu charge on present and future receivables for its present and future financial requirements. 2.4. The claims of the Bond holders shall be superior to the claims of any unsecured creditors, subject to applicable statutory and/or regulatory requirements. 3. Form, face value, title and listing etc.: 3.1.1. Form of Allotment : The Allotment of the Bonds shall be in a dematerialized form as well as physical form. Our Company has made depository arrangements with CDSL and NSDL for the issuance of the Bonds in dematerialized form, pursuant to the tripartite agreement dated September 20, 2011 among our Company, the Registrar and CDSL and the tripartite agreement dated September 20, 2011 among our Company, the Registrar and NSDL (collectively Tripartite Agreements). Our Company shall take necessary steps to credit the Depository Participant account of the Applicants with the number of Bonds allotted in dematerialized form. The Bondholders holding the Bonds in dematerialised form shall deal with the Bonds in accordance with the provisions of the Depositories Act, 1996 (Depositories Act) and/or rules as notified by the Depositories from time to time. 3.1.2. The Bondholders may rematerialize the Bonds issued in dematerialised form, at any time after Allotment, in accordance with the provisions of the Depositories Act and/or rules as notified by the Depositories from time to time. 3.1.3. In case of Bonds issued in physical form, whether on Allotment or on rematerialization of Bonds allotted in dematerialised form, our Company will issue one certificate for each Series of the Bonds to the Bondholder for the aggregate amount of the Bonds that are held by such Bondholder (each such certificate, a Consolidated Bond Certificate). In respect of the Consolidated Bond Certificate(s), our Company will, on receipt of a request from the Bondholder within 30 days of such request, split such Consolidated Bond Certificate(s) into smaller denominations in accordance with the applicable regulations/ rules/act, subject to a minimum denomination of one Bond. No fees will be charged for splitting any Consolidated Bond Certificate(s) and any stamp duty, if payable, will be paid by the Bondholder. The request to split a Consolidated Bond Certificate shall be accompanied by the original Consolidated Bond Certificate(s) which will, on issuance of the split Consolidated Bond Certificate(s), be cancelled by our Company. 3.2. Face Value : The face value of each Bond is ` 1,000. 3.3. Title; 3.3.1 In case of: i) the Bond held in the dematerialised form, the person for the time being appearing in the register of beneficial owners maintained by the Depositories; and ii) the Bond held in physical form, the person for the time being appearing in the Register of Bondholders (as defined below) as Bondholder, shall be treated for all purposes by our Company, the Debenture Trustee, the Depositories and all other persons dealing with such persons the holder thereof and its absolute owner for all purposes whether or not it is overdue and regardless of any notice of ownership, trust or any interest in it or any writing on, theft or loss of the Consolidated Bond Certificate issued in respect of the Bonds and no person will be liable for so treating the Bondholder. 3.3.2 No transfer of title of a Bond will be valid unless and until entered on the Register of Bondholders or the register of beneficial owners, maintained by the Depositories and/or our Company or the Registrar to the Issue prior to the Record Date. In the absence of transfer being registered, interest and/or Maturity Amount, as the case may be, will be paid to the person, whose name appears first in the Register of Bondholders maintained by the Depositories and /or our Company and/or the Registrar to the Issue, as the case may be. In such cases, claims, if any, by the purchasers of the Bonds will need to be settled with the seller of the Bonds and not with our Company or the Registrar to the Issue. 3.4. Listing : The Bonds will be listed on the BSE and the NSE. BSE has given its in-principle listing approval vide its letter no. DCS/SP/PI-BOND/08/11-12 dated January 20, 2012 and the NSE has given its in-principle listing approval vide its letter no. NSE/LIST/157311-K dated January 20, 2012 for listing of the Bonds. The NSE is the Designated Stock Exchange for this Issue. 3.5. Market Lot : 3.5.1. The Bonds shall be allotted in physical as well as dematerialised form. As per the SEBI Debt Regulations, the trading of the Bonds shall be in dematerialised form only. Since, the trading of Bonds is in dematerialized form, tradable lot is one Bond (Market Lot). 3.5.2. For details of Allotment, see the section titled Issue Structure on page 25 Prospectus Tranche - I. 3.6. Procedure for rematerialisation of Bonds : Bondholders who wish to hold the Bonds in physical form, after having opted for allotment in dematerialised form may do so by submitting a request to their Depository Participant, in accordance with the applicable procedure stipulated by the Depository Participant. 3.7 Procedure for dematerialisation of Bonds : Bondholders who have been allotted Bonds in physical form and wish to hold the Bonds in dematerialized form may do so by submitting his or her request to his or her Depository Participant in accordance with the applicable procedure stipulated by the Depository Participant. 4. Transfer of the Bonds, issue of Consolidated Bond Certificates, etc. : 4.1. Register of Bondholders : Our Company shall maintain at its registered office or such other place, as permitted by section 152A of the Companies Act, a register of Bondholders containing such particulars of the legal owners of the Bonds. Further, the register of beneficial owners maintained by Depositories for any Bond in dematerialised form under Section 11 of the Depositories Act shall also be deemed to be a register of Bondholders for this purpose. 4.2. Transfers : 4.2.1 Transfer of Bonds held in dematerialised form: In respect of Bonds held in the dematerialised form, transfers of the Bonds may be effected, only through the Depositories where such Bonds are held, in accordance with the provisions of the Depositories Act and/or rules as notified by the Depositories from time to time. The Bondholder shall give delivery instructions containing details of the prospective purchasers Depository Participants account to his Depository Participant. If a prospective purchaser does not have a Depository Participant account, the Bondholder may rematerialize his or her Bonds and transfer them in a manner as specified in 4.2.2 below. 4.2.2 Transfer of Bonds in physical form: The Bonds may be transferred in a manner as may be prescribed by our Company for the registration of transfer of Bonds. Purchasers of Bonds are advised to send the Consolidated Bond Certificate to our Company or to such persons as may be notified by our Company from time to time. If a purchaser of the Bonds in physical form intends to hold the Bonds in dematerialised form, the Bonds may be dematerialised by the purchaser through his or her Depository Participant in accordance with the provisions of the Depositories Act and/or rules as notified by the Depositories from time to time. 4.3. Formalities free of charge : Registration of a transfer of Bonds and issuance of new Consolidated Bond Certificates will be effected without charge by or on behalf of our Company, but on payment (or the giving of such indemnity as our Company may require) in respect of any tax or other governmental charges which may be imposed in relation to such transfer, and our Company being satisfied that the requirements concerning transfers of Bonds, have been complied with. 4.4 Debenture Redemption Reserve (DRR) : Pursuant to Regulation 16 of the SEBI Debt Regulations and section 117C of the Companies Act, any company that intends to issue debentures needs to create a DRR to which adequate amounts shall be credited out of the profits of our company until the redemption of the debentures. Further, the Ministry of Corporate Affairs (MCA) has, through its circular dated April 18, 2002, specified that public financial institutions shall create a DRR to the extent of 50% of the value of the debentures issued through public issue. Accordingly, our Company shall create DRR of 50% of the value of Bonds issued and allotted in terms of the Prospectus TrancheI, for the redemption of the Bonds. Our Company shall credit adequate amounts to the DRR from its profits every year until the Bonds are redeemed. The amounts credited to the DRR shall not be utilized by our Company for any purpose other than for the redemption of the Bonds. 5. Application Amount : The Bonds are being issued at par and full amount of face value per Bond is payable on application. Eligible Applicants can apply for any amount of the Bonds subject to a minimum application size of 10 Bonds, across any of the Series(s) or a combination thereof. The Applicants will be allotted the Bonds in accordance with the Basis of Allotment. 6. Deemed Date of Allotment : The Deemed Date of Allotment shall be the date on which the Board of
4

GENERAL INSTRUCTIONS Directors of our Company or any Committee thereof approves the Allotment of the Bonds for this Issue. All benefits under the Bonds including payment of interest will accrue to the Bondholders from the Deemed Date of Allotment. Actual Allotment may occur on a date other than the Deemed Date of Allotment. 7. Subscription : 7.1. Period of Subscription : The Issue shall remain open for the period mentioned below: Issue Opens on : January 27, 2012 Issue Closes on : February 6, 2012 The subscription list for the Issue shall remain open for subscription at the commencement of banking hours and close at the close of banking hours, with an option for early closure (subject to the Issue being open for a minimum of 3 days) or extension by such period, upto a period of 30 days from the date of opening of the Issue, as may be decided by the Board of Directors/ or a duly constituted committee thereof of our Company. In the event of such early closure of the subscription list of the Issue, our Company shall ensure that public notice of such early closure is published on or before the day of such early date of closure through advertisement/s in at least one leading national daily newspaper. 7.2. Underwriting : The Issue is not underwritten; 7.3. Minimum Subscription : Under the SEBI Debt Regulations, our Company is required to stipulate a minimum subscription amount which it seeks to raise. The consequence of minimum subscription amount not being raised is that the Issue shall not proceed and the application moneys received are refunded to the Applicants. Our Company has decided to set no minimum subscription for the issue. 8. Interest : 8.1. Interest : For all the categories Tranche-I Series 1 Bonds and Tranche- I Series 2 Bonds shall carry interest at the coupon rate of 8.10% p.a. and 8.20% p.a., respectively, payable annually on the Interest Payment Date. Interest is payable to Bondholders appearing in the register of Bondholders (in case of physical holding) and as per the beneficiary holding downloaded as on the relevant Record Date. However, an additional interest at the rate of 0.12% p.a. and 0.15% p.a. shall be payable to the Allottees under Category III for the Tranche-I Series 1 Bonds and Tranche- I Series 2 Bonds respectively. Accordingly, Tranche-I Series 1 Bonds and Tranche- I Series 2 Bonds Allotted to Category III Investors, shall carry an aggregate coupon rate of 8.22% p.a. and 8.35% p.a., respectively, payable annually on the Interest Payment Date. Interest is payable to Bondholders appearing in the register of Bondholders (in case of physical holding) and as per the beneficiary holding downloaded as on the relevant Record Date. The effective yield to Category III Investors would be 8.22% p.a. and 8.35% p.a. for the Tranche-I Series 1 Bonds and Tranche- I Series 2 Bonds, respectively. Please note that the aforesaid additional interest of 0.12% p.a. and 0.15% p.a. shall only be available to the original Allottees and shall not be available in the following instances: (i) In case the Bonds are sold and/or transferred by the original allottee, the transferee will not be entitled to receive the interest at the coupon rate of 8.22% p.a. and 8.35% p.a., for the Tranche- I Series 1 Bonds and Tranche- I Series 2 Bonds respectively and shall only be entitled to receive the interest at the coupon rate of 8.10% p.a. and 8.22% p.a., for the Tranche- I Series 1 Bonds and the Tranche- I Series 2 Bonds respectively. However, in case of any transfer by a permanently disabled Allottee to their legal heir(s), the transferee shall continue to be entitled to receive interest at the coupon rate of 8.22% p.a. and 8.35% p.a., for the Tranche- I Series 1 Bonds and the Tranche- I Series 2 Bonds respectively; and (ii) Where the Bonds are held in joint names and subsequently there is a change in the sequence of the names of the joint Bondholders, the joint Bondholders subsequent to such change in sequence of names, will no longer be entitled to receive the interest at the coupon rate of 8.22% p.a. and 8.35% p.a., for the Tranche- I Series 1 Bonds and the Tranche- I Series 2 Bonds respectively and shall only be entitled to receive the interest at the coupon rate of 8.10% p.a. and 8.20% p.a., for the Tranche- I Series 2 Bonds and the Tranche- I Series 2 Bonds respectively. However, in case of change in name of any of the joint Bondholders, such joint Bondholders shall continue to be entitled to receive interest at the coupon rate of 8.22% p.a. and 8.35% p.a., for the Tranche- I Series 1 Bonds and the Tranche- I Series 2 Bonds respectively. However in case of transmission of the Bond(s) in accordance with the Articles of Association of the Company, to the nominee in the event of demise of the Bondholder (single or joint holders) who was originally allotted Bonds under Category III, the new Bondholder (single or joint holders) shall continue to be entitled to receive interest at the coupon rate of 8.22% p.a. and 8.35% p.a., for the Tranche- I Series 1 Bonds and the Tranche-I Series 2 Bonds respectively. Please note that for the purpose of classifying Investors into various categories, the Applications will be consolidated on the basis of PAN. Consequent to such consolidation of Applications, if an Applicant falls in any category other than Category III, such Applicant will not be entitled to the additional interest at the rate of 0.12% p.a. and 0.15% p.a. for the Tranche- I Series 1 Bonds and the Tranche- I Series 2 Bonds, respectively. 8.2. Day count convention : Interest on the Bonds shall be computed on an actual basis for the broken period. 8.3. Interest on Application Money : 8.3.1. Interest on application monies received which are used towards allotment of Bonds : We 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 applicable, to any applicants to whom Bonds are allotted pursuant to the Issue from the date of realization of the cheque(s)/demand draft(s) or three days from the date of banking of the application (being the date of submission of each application as duly acknowledged by the Bankers to the Issue) whichever is later upto one day prior to the Deemed Date of Allotment, at the rate of 8% per annum. 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 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. 8.3.2. Interest on application monies received which are liable to be refunded : We shall pay interest on application money which is liable to be refunded to the applicants in accordance with the provisions of the SEBI Debt Regulations, or other applicable statutory and/or regulatory requirements, subject to deduction of income tax under the provisions of the Income Tax Act, 1961, 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 as acknowledged by the Bankers to the Issue) whichever is later upto one day prior to the Deemed Date of Allotment, at the rate of 4% 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. 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. See the section titled Issue Procedure- Rejection of Applications at page 51 Prospectus Tranche - I. 9. Redemption : 9.1. The face value of the Bonds will be redeemed at par, on the respective Maturity Dates of each of the Bond Series. 9.2. Procedure for Redemption by Bondholders : The procedure for redemption is set out below: 9.2.1. Bonds held in electronic form: No action is required on the part of Bondholders at the time of maturity of the Bonds. 9.2.2. Bonds held in physical form : No action will ordinarily be required on the part of the Bondholder at the time of redemption, and the Maturity Amount will be paid to those Bondholders whose names appear in the Register of Bondholders maintained by our Company on the Record Date fixed for the purpose of redemption without there being a requirement for the surrender of the physical Consolidated Bond Certificate(s). 10. Payments : 10.1. Payment of Interest on Bonds : Payment of interest on the Bonds wil be made to those Bondholders whose name appears first in the Register of Bondholders maintained by the Depositories and/or our Company and/or the Registrar to the Issue, as the case may be as, on the Record Date. 10.2. Record Date : The record date for the payment of interest or the Maturity Amount shall be 15 days prior to the date on which such amount is due and payable (Record Date). In case of redemption of Bonds, the trading in the Bonds shall remain suspended between the record date and the date of redemption. 10.3. Effect of holidays on payments : If the Interest Payment Date or Redemption Date falls on a Saturday, Sunday or a public holiday in Delhi or any other payment centre notified in terms of the Negotiable Instruments Act, 1881, the succeeding Working Day will be considered as the effective date. In case the date of payment of interest or principal or any date specified falls on a holiday, the payment will be made on the next Working Day, without any interest for the period overdue. 10.4. Whilst our Company will use the electronic mode for making payments, where facilities for electronic mode of payments are not available to the Bondholder or where the information provided by the Applicant is insufficient or incomplete, our Company proposes to use other modes of payment to make payments to the Bondholders, including through the dispatch of cheques through courier, or registered post to the address provided by the Bondholder and appearing in the Register of Bondholders maintained by the Depositories and/or our Company and/ or the Registrar to the Issue, as the case may be as, on the Record Date. Our Company shall pay interest at 2% p.a., over and above the coupon rate of the relevant Bonds, in the event that such payments are delayed beyond a period of eight days after our Company becomes liable to pay such amounts. 10.5. Our Companys liability to the Bondholders including for payment or otherwise shall stand extinguished from the Maturity Date or on dispatch of the amounts paid by way of principal and/or interest to the Bondholders. Further, our Company will not be liable to pay any interest, income or compensation of any kind accruing subsequent to the Maturity Date. 11. Manner and Mode of Payment : 11.1. Manner of Payment: All payments to be made by our Company to the Bondholders shall be made in any of the following manners: 11.1.1. For Bonds applied or held in electronic form: The bank details will be obtained from the Depositories for payments. Investors who have applied or who are holding the Bond in electronic form, are advised to immediately update their bank account details as appearing on the records of their Depository Participant. Failure to do so could result in delays in credit of the payments to investors at their sole risk and neither the Lead Managers nor our Company shall have any responsibility and undertake any liability for such delays on part of the investors. 11.1.2. For Bonds held in physical form : The bank details will be obtained from the Registrar to the Issue for effecting payments. 11.2. Modes of Payment : The mode of interest/refund/redemption payments shall be undertaken in the following order of preference: 11.2.1. Direct Credit : Applicants having bank accounts with the Refund Bank, as per the demographic details received from the Depositories shall be eligible to receive refunds through direct credit. Charges, if any, levied by the Refund Bank for the same would be borne by our Company. 11.2.2. NECS : Through NECS for Applicants having an account at any of the centres notified by the RBI. This mode of payment will be subject to availability of complete bank account

details including the Magnetic Ink Character Recognition (MICR) code as appearing on a cheque leaf, from the Depositories. Our Company shall not be responsible for any delay to the Bondholder receiving credit of interest or refund or Maturity Amount so long as our Company has initiated the process in time. 11.2.3. Real Time Gross Settlement (RTGS) : Applicants having a bank account with a bank branch which is RTGS enabled as per the information available on the website of RBI and whose payment amount exceeds ` 2.00 lakhs (or as may be specified by the RBI from time to time) shall be eligible to receive refund through RTGS, provided the demographic details downloaded from the Depositories contain the nine digit MICR code of the Applicants bank which can be mapped with the RBI data to obtain the corresponding Indian Financial System Code (IFSC). Charges, if any, levied by the Refund Bank for the same would be borne by our Company. Charges, if any, levied by the Applicants bank receiving the credit would be borne by the Applicant. Our Company shall not be responsible for any delay to the Bondholder receiving credit of interest or refund or Maturity Amount so long as our Company has initiated the process in time. 11.2.4. National Electronic Fund Transfer (NEFT) : Payment of refund shall be undertaken through NEFT wherever the Applicants bank branch is NEFT enabled and has been assigned the IFSC, which can be linked to an MICR code of that particular bank branch. IFSC code will be obtained from the website of RBI as on a date prior to the date of payment of refund, duly mapped with an MICR code. Wherever the Applicants have registered their MICR number and their bank account number while opening and operating the beneficiary account, the same will be duly mapped with the IFSC code of that particular bank branch and the payment will be made to the Applicants through this method. The process flow in respect of refunds by way of NEFT is at an evolving stage and hence use of NEFT is subject to operational feasibility, cost and process efficiency and the past experience of the Registrar to the Issue. In the event NEFT is not operationally feasible, the payment would be made through any one of the other modes as discussed in this section. Our Company shall not be responsible for any delay to the Bondholder receiving credit of interest or refund or Maturity Amount so long as our Company has initiated the process in time. 11.2.5. Cheques or demand drafts : By cheques or demand drafts made in the name of the Bondholders whose names appear in the Register of Bondholders as maintained by our Company and/or as provided by the Depositories. All cheques or demand drafts as the case may be, shall be sent by registered/speed post/courier at the Bondholders sole risk. 11.3. Printing of bank particulars : 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 provided for printing on the orders/warrants. Applications without these details are liable to be rejected. However, in relation to Applications for dematerialised Bonds, these particulars will be taken directly from the Depositories. In case of Bonds held in physical form either on account of rematerialisation or transfer, the Bondholders are advised to submit their bank account details with the Registrar to the Issue before the Record Date, failing which the amounts will be dispatched to the postal address of the Bondholders. Bank account particulars will be printed on the orders/warrants which can then be deposited only in the account specified. 12. Special Tax Benefit : For the details of tax benefits, see the section titled Statement of Tax Benefits on page 42 of the Shelf Prospectus. 13. Taxation : The Bonds are tax free in nature and the interest on the Bonds will not form part of the total income. For further details, see the section titled Statement of Tax Benefits on page 42 of the Shelf Prospectus. 14. Security : The Bonds proposed to be issued are secured by a floating first pari-passu charge on present and future receivables of our Company to the extent of amount mobilized under the Issue. Our Company reserves the right to create first pari-passu charge on present and future receivables for its present and future financial requirements. 15. Events of default : 15.1. The Debenture Trustee at its discretion may, or if so requested in writing by the holders of not less than 75% in principal amount of the Bonds then outstanding or if so directed by a Special Resolution shall (subject to being indemnified and/or secured by the Bondholders to its satisfaction), give notice to our Company specifying that the Bonds and/or any particular Series of Bonds, in whole but not in part are and have become due and repayable at the early redemption amount on such date as may be specified in such notice, among other things, if any of the events listed in 15.2 below occur. 15.2. The complete list of events of default shall be as specified in the Debenture Trust Deed. 15.3. The early redemption amount payable on the occurrence of an event of default shall be as detailed in the Debenture Trust Deed. 15.4. If an event of default occurs which is continuing, the Debenture Trustee may with the consent of the Bondholders, obtained in accordance with the provisions of the Debenture Trust Deed, and with a prior written notice to our Company, take action in terms of the Debenture Trust Deed. 15.5. In case of default in the redemption of Bonds, in addition to the payment of interest and all other monies payable hereunder on the respective due dates, our Company shall also pay interest on the defaulted amounts. 16. Bondholders rights, nomination, etc. : For 16.1 Rights of the Bondholders and 16.2 Succession, please refer to page 36 of Prospectus Tranche I ; 16.3. Nomination Facility to Bondholder : 16.3.1. The sole Bondholder or first Bondholder, along with other joint Bondholders (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 Bonds. For further details, please refer page 36 of the Prospectus Tranche - I. 17. Debenture Trustee : 17.1. Our Company has appointed SBICAP Trustee Company Limited to act as the Trustee for the Bondholders. Our Company intends to enter into a Debenture Trust Deed with the Debenture Trustee, the terms of which will govern the appointment and functioning of the Debenture Trustee and shall specify the powers, authorities and obligations of the Debenture Trustee. Under the terms of the Debenture Trust Deed, our Company wil covenant with the Debenture Trustee that it wil pay the Bondholders the principal amount on the Bonds on the relevant Maturity Date and also that it will pay the interest due on Bonds on the rate specified under the Prospectus Tranche- I under which allotment has been made. 17.2. The Bondholders shall, without further act or deed, be deemed to have irrevocably given their consent to the Debenture Trustee or any of their agents or authorised officials to do all such acts, deeds, matters and things in respect of or relating to the Bonds as the Trustee may in their absolute discretion deem necessary or require to be done in the interest of the Bondholders. Any payment made by our Company to the Debenture Trustee on behalf of the Bondholders shall discharge our Company pro tanto to the Bondholders. All the rights and remedies of the Bondholders shall vest in and shall be exercised by the Debenture Trustee without reference to the Bondholders. No Bondholder shall be entitled to proceed directly against our Company unless the Debenture Trustee, having become so bound to proceed, failed to do so. 17.3. The Debenture Trustee will protect the interest of the Bondholders in the event of default by our Company in regard to timely payment of interest and repayment of principal and they will take necessary action at our Companys cost. Further, the Debenture Trustee shall ensure that the assets of our Company are sufficient to discharge the principal amount at all time under this Issue. 18. Miscellaneous : For details, please refer page 39 of the Prospectus Tranche - I. ISSUE PROCEDURE: Our Company and the Lead Managers would not be liable for any amendment, modification or change in applicable law, which may occur after the date of the Prospectus Tranche- I. Investors are advised to make their independent investigations and ensure that their Application does not exceed the investment limits or maximum number of Bonds that can be held by them under applicable law or as specified in the Prospectus Tranche- I. 19. Availability of Abridged 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 Managers to the Issue, the Consortium Members and the Registrar to the Issue, as mentioned on the Application Form. In addition, Application Forms would also be made available to the BSE and NSE where the listing of the Bonds is sought. Our Company may, in consultation with the Lead Managers, also provide Application Forms for being filled and downloaded at such websites as our Company may deem fit. 20. Who can apply: The following categories of persons are eligible to apply in the Issue: Category I: Public Financial Institutions, Statutory Corporations, Scheduled Commercial Banks, Co-operative Banks and Regional Rural Banks, which are authorised to invest in the Bonds; Provident Funds, Pension Funds, Superannuation Funds and Gratuity Fund, which are authorised to invest in the Bonds; Insurance companies registered with the IRDA; National Investment Fund; Mutual Funds; Companies; Bodies corporate and societies registered under the applicable laws in India and authorised to invest in the Bonds; Public/private charitable/religious trusts which are authorised to invest in the Bonds; Scientific and/or industrial research organisations, which are authorised to invest in the Bonds; 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. Category II: The following investors applying for an amount aggregating to above ` 5 lakhs across all Series in this tranche Resident Indian individuals; and Hindu Undivided Families through the Karta. Category III: The following investors applying for an amount aggregating to upto and including ` 5 lakhs across all Series in this tranche Resident Indian individuals; and Hindu Undivided Families through the Karta. Note: Participation of any of the aforementioned persons or entities is subject to the applicable statutory and/or regulatory requirements in connection with the subscription to Indian securities by such categories of persons or entities. Applicants are advised to ensure that applications made by them do not exceed the investment limits or maximum number of Bonds that can be held by them under applicable statutory and or regulatory provisions. 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 Bonds pursuant to the Issue. The Lead Managers, their respective associates and affiliates and the Consortium Members are permitted to subscribe in the Issue. The information below is given for the benefit of the investors. Our Company and the Lead Managers are not liable for any amendment or modification or changes in applicable laws or regulations, which may occur after the date of the Prospectus Tranche- I. Applications cannot be made by: a) Minors without a guardian name; b) Foreign nationals; c) Persons resident outside India; d) Overseas Corporate Bodies; e) Non Resident Indians; and f) Foreign Institutional Investors. However, where the applications by a minor for Allotment in electronic form, based on the information provided by the depository, our Company shall have the right to accept Bids belonging to an account for the benefit of a minor (under guardianship). 21. Applications by Mutual Funds : In terms of SEBI (Mutual Fund) Regulation, 1996, no mutual fund

HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED

IN THE NATURE OF FORM 2A - ABRIDGED PROSPECTUS CONTAINING SALIENT FEATURES OF THE PROSPECTUS scheme shall invest more than 15% of its Net Asset Value (NAV) in debt instruments issued by a single company which are rated not below investment grade by a credit rating agency authorised to carry out such activity. Such investment limit may be extended to 20% of the NAV of the scheme with the prior approval of the Board of Trustees and the Board of Asset Management Company (AMC). A separate application can be made in respect of each scheme of an Indian mutual fund registered with SEBI and such applications shall not be treated as multiple applications. Applications made by the AMCs or custodians of a Mutual Fund shall clearly indicate the name of the concerned scheme for which application is being made. In case of Applications made by Mutual Fund registered with SEBI, a certified true copy of their SEBI registration certificate must be submitted with the Application Form. The applications must be also accompanied by certified true copies of (i) Trust Deed (ii) resolution authorising investment and containing operating instructions and (iii) specimen signatures of authorised signatories. Failing this, Our Company reserves the right to accept or reject any Application in whole or in part, in either case, without assigning any reason thereof. 22. Application by Commerical Banks, Co-operative Banks and Regional Rural Banks : Commerical Banks, Cooperative banks and Regional Rural Banks can apply in this public issue based upon their own investment limits and approvals. The application must be accompanied by certified true copies of (i) Board Resolutions authorising investments; (ii) Letters of Authorisation. Failing this, our Company reserves the right to accept or reject any Application in whole or in part, in either case, without assigning any reason thereof. 23. Application by Insurance Companies : In case of Applications made by insurance companies registered with the Insurance Regulatory and Development Authority (IRDA), a certified true copy of certificate of registration issued by the IRDA must be lodged along with Application Form. The applications must also be accompanied by certified true copies of (i) Memorandum and Articles of Association (ii) Power of Attorney (iii) Resolution authorising investment and containing operating instructions; and (iv) Specimen signatures of authorised signatories. Failing this, Our Company reserves the right to accept or reject any Application in whole or in part, in either case, without assigning any reason thereof. 24. Applications by Trusts : In case of Applications made by trusts, settled under the Indian Trusts Act, 1882, or any other statutory and/or regulatory provision governing the settlement of trusts in India, must submit a (i) certified true copy of the registered instrument for creation of such trust, (ii) power of attorney, if any, in favour of one or more trustees thereof, (iii) such other documents evidencing registration thereof under applicable statutory/regulatory requirements. Failing this, our Company reserves the right to accept or reject any Applications in whole or in part, in either case, without assigning any reason therefor. Further, any trusts applying for Bonds pursuant to the Issue must ensure that (a) they are authorised under applicable statutory/regulatory requirements and their constitution instrument to hold and invest in bonds, (b) they have obtained all necessary approvals, consents or other authorisations, which may be required under applicable statutory and/or regulatory requirements to invest in bonds, and (c) applications made by them do not exceed the investment limits or maximum number of Bonds that can be held by them under applicable statutory and or regulatory provisions. 25. Applications under Power of Attorney : In case of Investments made pursuant to a power of attorney by Category I investors, a certified true copy of the power of attorney or the relevant resolution or authority, as the case may be, along with a certified true copy of the memorandum of association and articles of association and/or bye laws and/or charter documents, as applicable, must be lodged along with the Application Form. In case of investments made pursuant to a power of attorney by Category II and Category III investors, a certified true copy of the power of attorney must be lodged along with the Application Form. 26. Application Size : Applications are required to be for a minimum of 10 Bonds and multiples of one Bond thereafter. 27. Application Form : The prescribed colour of the Application Form for the various categories is as follows: Application Form CATEGORY COLOUR OF APPLICATION FORM* Following investors under Category I which are eligible to invest Pink in the Bonds: Public Financial Institutions, Statutory Corporations, Scheduled Commercial Banks, Co-operative Banks and Regional Rural Banks, which are authorised to invest in the Bonds; Provident Funds, Pension Funds, Superannuation Funds and Gratuity Fund, which are authorised to invest in the Bonds; Insurance companies registered with the IRDA; National Investment Fund and Mutual Funds. All other category of Investors, eligible to invest in the Issue White as not covered above. 28. Instructions for Completing the Application Form : Applications to be made in prescribed form only. The forms to be completed in block letters in English as per the instructions contained in the Prospectus Tranche- I and in the Application Form, and are liable to be rejected if not so completed. Applicants should note that the Bankers to the Issue will not be liable for errors in data entry due to incomplete or illegible Application Forms. Applications are required to be for a minimum of such Bonds and in multiples of such Bonds thereafter as specified in the Prospectus Tranche- I. Applications should be in single or joint names not more than three, and in the same order as their Depository Participant details (in case of applicants opting for allotment in dematerialized form) and should be applied by Karta in case of HUF. Thumb impressions and signatures other than in English/Hindi/Gujarati/Marathi or any other languages specified in the 8th Schedule of the Constitution needs to be attested by a Magistrate or Notary Public or a Special Executive Magistrate under his/her seal. 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 Public Issue or collection centre(s) as may be specified before the closure of the Issue. No receipt will be issued for the application money. However, Bankers to the Issue and/or their branches receiving the applications will acknowledge the same by stamping (mandatorily having a date stamp) and returning the acknowledgement slip to the applicant. Every applicant should hold valid Permanent Account Number (PAN) and mention the same in the Application Form. All applicants are required to tick the relevant column of Category of Investor in the Application Form. All Applications by Public Financial Institutions, Statutory Corporations, Commercial Banks, Co-operative Banks and Regional Rural Banks, Provident Funds, Pension Funds, Superannuation Funds and Gratuity Fund, Insurance companies registered with the IRDA, National Investment Fund, Mutual Funds applicants shall be received only by the Lead Managers and the Consortium Members. APPLICANTS MAY NOTE THAT THE ALLOTMENT SHALL BE ON THE BASIS AS DESCRIBED UNDER THE HEADINGBASIS OF ALLOTMENT. Applications for all the Series of Bonds may be made in a single Application Form only. Our Company shall allocate and Allot Bonds of Tranche- I Series 1 Bonds maturity to all valid applications, wherein the applicants have not indicated their choice of the relevant Bond Series. General Instructions 29. Dos: Check if you are eligible to apply; Read all the instructions carefully and complete the Application Form; If the allotment is sought in dematerialized form, ensure that the details about Depository Participant and Beneficiary Account are correct and the beneficiary account is active; Applications are required to be in single or joint names (not more than three); In case of an HUF applying through its Karta, the Applicant is required to specify the name of an Applicant in the Application Form as XYZ Hindu Undivided Family applying through PQR, where PQR is the name of the Karta; Ensure that the Applications are submitted to the Bankers to the Issue before the closure of banking hours on the Issue Closing Date; Ensure that the Applicants name(s) given in the Application Form is exactly the same as the name(s) in which the beneficiary account is held with the Depository Participant. In case the Application Form is submitted in joint names, ensure that the beneficiary account is also held in same joint names and such names are in the same sequence in which they appear in the Application Form; Ensure that you mention your PAN allotted under the Income Tax Act. Please note that it is mandatory for all applicants to furnish their PAN number as per the CBDT circular; Ensure that the Demographic Details as provided in the Application Form are updated, true and correct in all respects; Ensure that you have obtained all necessary approvals from the relevant statutory and/or regulatory authorities to apply for, subscribe to and/or seek allotment of Bonds pursuant to the Issue; Applicants Bank Account Details: The Bonds shall be allotted in dematerialised and physical form. For instructions on how to apply for Allotment in the physical form, see the sub-section titled Applications for Allotment of Bonds in the physical form on page 45 Prospectus Tranche - I. The Applicant should note that on the basis of the name of the Applicant, Depository Participants name, Depository Participants identification number and beneficiary account number provided by them in the Application Form, the Registrar to the Issue will obtain from the Applicants beneficiary account, the Applicants bank account details. The Applicants are advised to ensure that bank account details are updated in their respective beneficiary accounts as these bank account details would be printed on the refund order(s), if any. Failure to do so could result in delays in credit of refunds to Applicants at the Applicants sole risk and neither the Lead Managers nor our Company nor the Refund Bank nor the Registrar to the Issue shall have any responsibility and undertake any liability for such delay; Applications under Power of Attorney: Unless our Company specifically agrees in writing, and subject to such terms and conditions as our Company may deem fit, in the case of Applications made under power of attorney, a certified true copy of the power of attorney is required to be lodged separately and relevant documents as specified on page 47 Prospectus Tranche - I, along with the submission of the Application Form, indicating the name of the Applicant along with the address, Application number, date of submission of the Application Form, name of the bank and branch where it was deposited, cheque/demand draft number and the bank and branch on which the cheque/demand draft was drawn; Permanent Account Number: All Applicants should mention their PAN allotted under the Income Tax Act in the Application Form. In case of joint applicants, the PAN of the all the Applicants should be provided and for HUFs, PAN of the HUF should be provided. The PAN would be the sole identification number for participants transacting in the securities markets, irrespective of the amount of the transaction. Any Application Form without the PAN is liable to be rejected. Further as per CBDT notification it is mandatory for all subscribers to provide their PAN numbers to our Company. Applicants should not submit the GIR Number instead of the PAN as the Application is liable to be rejected on this ground; Joint Applications: Applications may be made in single or joint names (not exceeding three). In the case of joint Applications, all refunds/interests/redemption amounts will be made out in favour of the first Applicant. All communications will be addressed to the first named Applicant whose name appears in the Application Form at the address mentioned therein; Multiple Applications: An Applicant may make multiple applications for the total number of Bonds required and the same shall be considered valid. For the purposes of allotment of Bonds under the Issue, applications shall be grouped based on the PAN, i.e. applications under the same PAN shall be grouped together. Two or more applications will be deemed to be multiple applications if the sole or first applicant is one and the same. For the sake of clarity, two or more applications shall be deemed to be a multiple application for the aforesaid purpose if the PAN number of the sole or the first applicant is one and the same; Applicants are requested to write their names and Application serial number on the reverse of the instruments by which the payments are made; All Applicants are requested to tick the relevant column Category of Investor in the Application Form; and Tick the Series of Bonds in the Application Form that you wish to apply for. 30. Donts: Do not apply for lower than the minimum application size; Do not pay the application amount in cash, by money order, postal order, stock invest; Do not fill up the Application Form such that the Bonds applied for exceeds the issue size and/or investment limit or maximum number of Bonds that can be held under the applicable laws or regulations or maximum amount permissible under the applicable regulations; and Do not submit the Application Forms without the full Application Amount. For further instructions, investors are advised to read the Prospectus Tranche- I and Application Form carefully. 31. Applications for Allotment of Bonds in the physical form : Applicant(s) who wish to subscribe to, or hold, the Bonds in physical form can do so in terms of Section 8(1) of the Depositories Act and our Company is obligated to fulfill such request of the Applicant(s). Accordingly, any Applicant who wishes to subscribe to the Bonds in physical form shall undertake the following steps: (i) Please complete the Application Form in all respects, by providing all the information including PAN and demographic details. However, do not provide the Depository Participant details in the Application Form. The requirement for providing Depository Participant details shall be mandatory only for the Applicants who wish to subscribe to the Bonds in dematerialised form. (ii) Please provide the following documents along with the Application Form: (a) Self-attested copy of the PAN card; (b) Self-attested copy of the proof of residence. Any of the following documents shall be considered as a verifiable proof of residence: ration card issued by the GoI; or valid driving license issued by any transport authority of the Republic of India; or electricity bill (not older than three months); or landline telephone bill (not older than three months); or valid passport issued by the GoI; or voters identity card issued by the GoI; or passbook or latest bank statement issued by a bank operating in India; or registered leave and license agreement or agreement for sale or rent agreement or flat maintenance bill; Self-attested copy of registered office address in case of applicants under Category I; or Life insurance policy. (c) Self-attested copy of a cancelled cheque of the bank account to which the amounts pertaining to payment of refunds, interest and redemption, as applicable, should be credited. The Applicant shall be responsible for providing the above information accurately. Delays or failure in credit of the payments due to inaccurate details shall be at the sole risk of the Applicants and neither the Lead Managers nor our Company shall have any responsibility and undertake any liability for the same. Applications for Allotment of the Bonds in physical form, which are not accompanied with the aforestated documents, may be rejected at the sole discretion of our Company. In relation to the issuance of the Bonds in physical form, note the following: (i) An Applicant has the option to seek Allotment of Bonds in either electronic or physical mode. No partial Application for the Bonds shall be permitted and is liable to be rejected. In case of Bonds that are being issued in physical form, our Company will issue one certificate to the Bondholder for the aggregate amount of the Bonds for each Series that are applied for (each such certificate a Consolidated Bond Certificate). (ii) Any Applicant who provides the Depository Participant details in the Application Form shall be Allotted the Bonds in dematerialised form only. Such Applicant shall not be Allotted the Bonds in physical form. (iii) No separate Applications for issuance of the Bonds in physical and electronic form should be made. If such Applications are made, the Application for the Bonds in physical mode shall be rejected. This shall be considered as a ground for technical rejection. (iv) Our Company shall dispatch the Consolidated Bond Certificate to the address of the Applicant provided in the Application Form. All terms and conditions disclosed in relation to the Bonds held in physical form pursuant to rematerialisation shall be applicable mutatis mutandis to the Bonds issued in physical form. 32. Applications for Allotment of Bonds in the dematerialised form : As per the provisions of the Depositories Act, the Bonds can be held in dematerialised form, i.e., they shall be fungible and be represented by a statement issued through electronic mode. In this context, the Tripartite Agreements have been executed between our Company, the Registrar to the Issue and the respective Depositories (CDSL/NSDL) for offering depository option to the Bondholders, for issue and holding the Bonds in dematerialized form. a) All Applicants can seek Allotment in dematerialised mode or in physical form. Applications made for receiving Allotment in the dematerialised form without relevant details of his or her depository account are liable to be rejected. b) An Applicant applying for the Bonds must have at least one beneficiary account with either of the Depository Participants of either of the Depositories, prior to making the Application. c) The Applicant must necessarily fill in the details (including the Beneficiary Account Number and Depository Participants identification number) in the Application Form. d) Allotment to an Applicant will be credited in electronic form directly to the beneficiary account (with the Depository Participant) of the Applicant. e) Names in the Application Form should be identical to those appearing in the account details in the Depositories. In case of joint holders, the names should necessarily be in the same sequence as they appear in the account details in the Depositories. f) If incomplete or incorrect details are given under the heading Applicants Depository Account Details, in the Application Form, it is liable to be rejected. g) The Applicant is responsible for the correctness of his or her demographic details given in the Application Form vis--vis those with his or her Depository Participant. h) Bonds in electronic form can be traded only on the stock exchange having electronic connectivity with the Depositories. The BSE and NSE, where the Bonds are proposed to be listed, have electronic connectivity with the Depositories. i) The trading of the Bonds shall be in dematerialised form only. 33. Allottees will have the option to re-materialise the Bonds so Allotted as per the provisions of the Depositories Act. In addition to the above, certain additional documents are required to be submitted by the following entities: (a) With respect to investments by Mutual Funds, a certified true copy of their SEBI registration certificate must be lodged along with the Application Form. (b) With respect to investments by insurance companies registered with the IRDA, in addition to the above, a certified true copy of the certificate of registration issued by the IRDA must be lodged along with the Application Form. (c) With respect to investments made by limited liability partnerships registered under the Limited Liability Partnership Act, 2008, a certified true copy of certificate of registration issued. 34. Consolidated list of documents required for various categories : For details, please refer page 47 of the Prospectus Tranche - I. PAYMENT INSTRUCTIONS 35. Escrow Mechanism : Our Company shall open Escrow Account(s) with one or more Escrow Collection Bank(s) in whose favour the Applicants shall make out the cheque or demand draft in respect of his or her Application. Cheques or demand drafts received for the Application Amount from Applicants would be deposited in the Escrow Account. The Escrow Collection Banks will act in terms of the Prospectus Tranche- I and the Escrow Agreement. The Escrow Collection Banks, for and on behalf of the Applicants, shall maintain the monies in the Escrow Account until the creation of security for the Bonds. The Escrow Collection Banks shall not exercise any lien whatsoever over the monies deposited therein and shall hold the monies therein in trust for the Applicants. On the Designated Date, the Escrow Collection Banks shall transfer the funds represented by Allotment of the Bonds from the Escrow Account, as per the terms of the Escrow Agreement, into the Public Issue Account maintained with the Bankers to the Issue, provided that the sums received in respect of the Issue will be kept in the Escrow Account and our Company will have access to such funds only after creation of security for the Bonds. The amount representing the Applications that have been rejected shall be transferred to the Refund Account. Payments of refund to the Applicants shall be made from the Refund Account are per the terms of the Escrow Agreement and the Prospectus Tranche- I. 36. Payment into Escrow Account : Each Applicant shall draw a cheque or demand draft for the Application Amount as per the following terms: a) All Applicants would be required to pay the full Application Amount for the number of Bonds applied for, at the time of the submission of the Application Form. b) The Applicants shall, with the submission of the Application Form, draw a payment instrument for the full Application Amount in favour of the Escrow Account and submit the same to Bankers to the Issue. If the payment is not made favouring the Escrow Account along with the Application Form, the Application shall be rejected. c) The payment instruments from the Applicants shall be payable into the Escrow Account drawn in favour of HUDCO Tax Free Bonds- Escrow Account. d) The monies deposited in the Escrow Account will be held for the benefit of the Applicants until the Designated Date. e) On the Designated Date, the Escrow Collection Banks shall transfer the funds from the Escrow Account as per the terms of the Escrow Agreement into the Public Issue Account with the Bankers to the Issue. The Escrow Collection Bank shall also refund all amounts payable to Applicants, whose Applications have not been allotted Bonds. f) Payments should be made by cheque, or a demand draft drawn on any bank (including a cooperative bank), which is situated at, and is a member of or sub-member of the bankers clearing house located at the centre where the Application Form is submitted. Outstation cheques/bank drafts drawn on banks not participating in the clearing process will not be accepted and applications accompanied by such cheques or bank drafts are liable to be rejected. g) Cash/stock invest/money orders/postal orders will not be accepted. 37. Submission of Application Forms : All Application Forms duly completed and accompanied by account payee cheques or drafts and relevant documents, as applicable, shall be submitted to the designated collection banks during the Issue Period. No separate receipts shall be issued for the money payable on the submission of Application Form. However, the collection banks will acknowledge the receipt of the Application Forms by stamping and returning to the Applicants the acknowledgement slip. This acknowledgement slip will serve as the duplicate of the Application Form for the records of the Applicant. Applications shall be deemed to have been received by us only when submitted to Bankers to the Issue at their designated branches as detailed above and not otherwise. All applications by Public Financial Institutions, Statutory Corporations, Commercial Banks, Co-operative Banks and Regional Rural Banks, Provident Funds, Pension Funds, Superannuation Funds and Gratuity Fund, Insurance companies registered with the IRDA, National Investment Fund, Mutual Funds should be made in the form prescribed for these applicants and shall be received only by the Lead Managers and the Consortium Members. 38. Online Applications : Our Company, in consultation with the Lead Managers, may decide to offer an online Application facility for the Bonds, as and when permitted by applicable laws, subject to the terms and conditions prescribed. Accordingly the investors may download forms for this use and submit the same together with cheques/demand drafts and the documents, as applicable, to the Bankers to the Issue and their collecting centres. However, Public Financial Institutions, Statutory Corporations, Commercial Banks, Co-operative Banks and Regional Rural Banks, Provident Funds, Pension Funds, Superannuation Funds and Gratuity Fund, Insurance companies registered with the IRDA, National Investment Fund, Mutual Funds can apply only through pink coloured physical application forms provided by the Lead Managers and Consortium Members. 39. Other Instructions : A. Joint Applications : Applications may be made in single or joint names (not exceeding three). In the case of joint applications, all payments will be made out in favour of the first applicant. All communications will be addressed to the first named applicant whose name appears in the Application Form and at the address mentioned therein. B. Additional/Multiple Applications : An applicant is allowed to make one or more applications for the Bonds for the same or other Series of Bonds, subject to a minimum application size of 10 Bonds and in multiples of one Bond, for each application. Any application for an amount below the aforesaid minimum application size will be deemed as an invalid application and shall be rejected. However, any application made by any person in his individual capacity and an application made by such person in his capacity as a karta of a Hindu Undivided family and/or as joint applicant, shall not be deemed to be a multiple application. For the purposes of allotment of Bonds under the Issue, applications shall be grouped based on the PAN, i.e. applications under the same PAN shall be grouped together and treated as one application. Two or more applications will be deemed to be multiple applications if the sole or first applicant is one and the same. For the sake of clarity, two or more applications shall be deemed to be a multiple application for the aforesaid purpose if the PAN number of the sole or the first applicant is one and the same. C. Depository Arrangements : We have entered into Tripartite Agreements dated September 20, 2011 among us, the Registrar to the Issue and NSDL and dated September 20, 2011, among us, the Registrar to the Issue and CDSL, respectively for offering depository option to the investors and for issue and holding of the Bonds in dematerialized form. As per the provisions of the Depositories Act, 1996, the Bonds issued by us can be held in a dematerialized form as described in the sub-section titled - Applications for Allotment of Bonds in dematerialized form on page 46 Prospectus Tranche - I. D. Communications : All future communications in connection with Applications made in the Issue should be addressed to the Registrar to the Issue quoting all relevant details as regards the Applicant and its application. Applicants can contact the Compliance Officer of our Company, Lead Managers or the Registrar to the Issue in case of any Pre-Issue related problems. In case of Post-Issue related problems such as non-receipt of Allotment Advice/credit of Bonds in depositorys beneficiary account/refund orders, etc., applicants may contact the Compliance Officer of our Company, Lead Managers or Registrar to the Issue. 40. Rejection of Applications : Our Company reserves its full, unqualified and absolute right to accept or reject any Application in whole or in part and in either case without assigning any reason thereof. Application would be liable to be rejected on one or more technical grounds, including but not restricted to: Number of Bonds applied for is less than the minimum Application size; Applications not duly signed by the sole/joint Applicants; Application amount paid not tallying with the number of Bonds applied for; Applications for a number of Bonds which is not in a multiple of one; I n v e s t o r category not ticked; Bank account details not given; Applications by persons not competent to contract under the Indian Contract Act, 1872 including a minor without a guardian name; In case of Applications under Power of Attorney where relevant documents not submitted; Application by stock invest or accompanied by cash/money order/postal order; Applications without PAN; GIR number furnished instead of PAN; Applications for amounts greater than the maximum permissible amounts prescribed by applicable regulations; Applications by persons/entities who have been debarred from accessing the capital markets by SEBI; Applications by any persons outside India,; For option to hold Bonds in electronic/dematerialised form, Depository Participant identification number, Client ID and PAN mentioned in the Application Form do not match with the Depository Participant identification number, Client ID and PAN available in the records with the depositories; Application under power of attorney or by limited companies, corporate, trust etc., where relevant documents are not submitted; Address not provided in case of exercise of option to hold Bonds in physical form; Copy of KYC documents not provided in case of option to hold Bonds in physical form; and Public Financial Institutions, Statutory Corporations, Commercial Banks, Co-operative Banks Regional Rural Banks, Provident Funds, Pension Funds, Superannuation Funds and Gratuity Fund, Insurance companies registered with the IRDA, National Investment Fund, Mutual Funds applications not procured by the Lead Managers or the Consortium Members; Applications made by investors belonging to a particular Category on an application form meant for other applicants and vice-versa; Applications providing an inoperative demat account number. Our Company, the Lead Managers, their affiliates and the Consortium Members and the collecting bank shall not be responsible for rejection of the Application on any of the technical grounds mentioned above. Application Forms received after the closure of the Issue shall be rejected. In the event, if any Bond(s) applied for is/are not Allotted, the Application monies in respect of such Bonds will be refunded, as may be permitted under the provisions of applicable laws. 41. Basis of Allotment : The subscription list for the Issue shall remain open for subscription at the commencement of banking hours and close at the close of banking hours, with an option for early closure (subject to the Issue being open for a minimum of 3 days) or extension by such period, upto a maximum period of 30 days from the date of opening of the Issue, as may be decided by the Board, or a committee constituted by the Board, subject to necessary approvals. In the event of such early closure of the subscription list of the Issue, our Company shall ensure that public notice of such early closure is published on or before the day of such early date of closure through advertisement/s in a leading national daily newspaper. The issue shall remain open for subscription for a minimum period of 3 days. Our Company shall finalise the Basis of Allotment in consultation with the Lead Managers and the Designated Stock Exchange and in compliance with the aforementioned provisions of the Prospectus Tranche- I. The Designated Stock Exchange along with our Company, Lead Managers and the Registrar shall be responsible for ensuring that the Basis of Allotment is finalised in a fair and proper manner. 42. Grouping of Applications and Allocation Ratio: Applications received from various applicants shall be grouped together on the following basis: i) Applications received from Category I applicants: Applications received from Category I, shall be grouped together, (Category I Portion); ii) Applications received from Category II applicants: Applications received from Category II shall be grouped together, (Category II Portion); iii) Applications received from Category III applicants: Applications received from Category III applicants shall be grouped together, (Category III Portion). For removal of doubt, Category I Portion, Category II Portion and the Category III Portion are individually referred to as Portion and collectively referred to as Portions. For the purposes of determining the number of Bonds available for allocation to each of the abovementioned Categories, our Company shall have the discretion of determining the number of Bonds to be allotted over and above the Base Issue Size, in case our Company opts to retain any oversubscription in the Issue upto the Shelf Limit of ` 4,684.72 crores. The aggregate value of Bonds decided to be allotted over and above the Base Issue Size, (in case our Company opts to retain any oversubscription in the Issue), and/or the aggregate value of Bonds upto the Base Issue Size shall be collectively termed as the Overall Issue Size. 43. Allocation Ratio : Reservations shall be made for each of the Portions in the below mentioned format): Particulars; Category I; Category II; Category III : Size in %; 45% of the Overall Issue Size; 25% of the Overall Issue Size; 30% of the Overall Issue Size. 44. Basis of Allotment for Bonds : (a) Allotments in the first instance: i. Applicants belonging to the Category I, in the first instance, will be allocated Bonds upto 45 % of the Overall Issue Size on first come first serve basis (determined on the basis of date of receipt of each application duly acknowledged by the Bankers to the Issue); ii. Applicants belonging to the Category II, in the first instance, will be allocated Bonds upto 25% of Overall Issue Size on first come first serve basis (determined on the basis of date of receipt of each application duly acknowledged by the Bankers to the Issue); iii. Applicants belonging to the Category III, in the first instance, will be allocated Bonds upto 30% of Overall Issue Size on first come first serve basis (determined on the basis of date of receipt of each application duly acknowledged by the Bankers to the Issue); (b) Under subscription: If there is any under subscription in any Portion, priority in allotments will be given in the following order: i. Category III Portion, ii. Category II Portion, iii. Category I Portion; (c) For all Portions, all applications received on the same day by the Bankers to the Issue would be treated at par with each other. (d) Minimum allotments of 10 Bonds and in multiples of 1 Bond thereafter would be made in case of each valid Application. (e) Allotments in case of oversubscription: In case of an oversubscription in any of the Categories, allotments to the maximum extent, as possible, will be made on a first-come first-serve basis and thereafter on proportionate basis, i.e. full allotment of Bonds to the applicants on a first come first basis up to the date falling 1 (one) day prior to the date of oversubscription and proportionate allotment of Bonds to the applicants on the date of oversubscription (based on the date of submission of each application to the Bankers to the Issue, in each Portion). The method of proportionate allotment is as described below: i. Allotments to the applicants shall be made in proportion to their respective application size, rounded off to the nearest integer, ii. If the process of rounding off to the nearest integer results in the actual allocation of Bonds being higher than the Issue size, not all applicants will be allotted the number of Bonds arrived at after such rounding off. Rather, each applicant whose allotment size, prior to rounding off, had the highest decimal point would be given preference, iii. In the event, there are more than one applicant whose entitlement remain equal after the manner of distribution referred to above, our Company will ensure that the basis of allotment is finalised by draw of lots in a fair and equitable manner. (f) Applicant applying for more than one Series of Bonds: If an applicant has applied for more than one Series of Bonds, and in case such applicant is entitled to allocation of only a part of the aggregate number of Bonds applied for, the Series-wise allocation of Bonds to such applicants shall be in proportion to the number of Bonds with respect to each Series, applied for by such applicant, subject to rounding off to the nearest integer, as appropriate, in consultation
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HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED

IN THE NATURE OF FORM 2A - ABRIDGED PROSPECTUS CONTAINING SALIENT FEATURES OF THE PROSPECTUS with the Lead Managers and the Designated Stock Exchange. All decisions pertaining to the basis of allotment of Bonds pursuant to the Issue shall be taken by our Company in consultation with the Lead Managers and the Designated Stock Exchange and in compliance with the aforementioned provisions of the Shelf Prospectus/the Prospectus Tranche- I. Our Company has the discretion to close the Issue, irrespective of whether any of the Portion(s) are fully subscribed. Our Company would allot Tranche-I Series 1 Bonds to all valid applications, wherein the applicants have not indicated their choice of the relevant Series of Bonds. 45. Allotment Advice/Refund Orders : The unutilised portion of the application money will be refunded to the applicant by an a/c Payee cheque/demand draft. In case the at par facility is not available, our Company reserves the right to adopt any other suitable mode of payment. We may enter into an arrangement with one or more banks in one or more cities for refund to the account of the applicants through Direct Credit/RTGS/NEFT. Our Company shall credit the allotted Bonds to the respective beneficiary accounts/ dispatch the Letter(s) of Allotment or Letter(s) of Regret/Refund Orders to all applicants by Registered Post/Speed Post at the Applicants sole risk, within 30 days from the date of closure of the Issue. Further, a) Allotment of Bonds offered to the public shall be made within a time period of 30 days from the date of closure of the Issue; b) Credit to demat account will be given within 2 Working Days from the date of allotment; c) Interest at a rate of 15% per annum will be paid if the allotment has not been made and the Refund Orders have not been dispatched to the applicants within 30 days from the date of the closure LEAD MANAGERS TO THE ISSUE of the Issue, for the delay beyond 30 days; d) Our Company will provide adequate funds to the Registrars to the Issue, for this purpose. 46. Filing of the Prospectus Tranche- I with the stock exchanges : A copy of the Prospectus Tranche- I shall be filed with the NSE and the BSE. 47. Pre-Issue Advertisement : Our Company shall, on or before the Issue Opening Date, publish a pre- Issue advertisement, in the form prescribed by the SEBI Debt Regulations, in at least one national daily newspaper, with wide circulation. 48. IMPERSONATION : Attention of the Applicants is specifically drawn to the provisions of sub-section (1) of Section 68A of the Companies Act, which is reproduced below: Any person who: a) makes in a fictitious name, an application to a company for acquiring or subscribing for, any shares therein, or b) otherwise induces a company to allot, or register any transfer of shares, therein to him, or any other person in a fictitious name, shall be punishable with imprisonment for a term which may extend to five years. 49. Listing : The Bonds will be listed on the BSE and the NSE. If the permission to deal in and for an official quotation of the Bonds is not granted by the BSE and the NSE, we shall forthwith repay, without interest, all such moneys received from the Applicants in pursuance of the Prospectus Tranche- I. Our Company shall use best efforts to ensure that all steps for the completion of the necessary formalities for listing at the NSE and the BSE are taken within fifteen Working Days from the date of Allotment. 50. Utilisation of Application Money : The sums received in respect of the Issue will be kept in the Escrow DEBENTURE TRUSTEE
SBICAP Trustee Company Ltd.

Account and our Company will have access to such funds only after creation of security for the Bonds and as per applicable provisions of law(s), regulations and approvals. 51. Undertaking by the Issuer : We undertake that: a) the complaints received in respect of the Issue shall be attended to by us expeditiously and satisfactorily; b) we shall take necessary steps for the purpose of getting the Bonds listed within the specified time; c) the funds required for dispatch of refund orders/ allotment advice/certificates by registered post shall be made available to the Registrar to the Issue by our Company; d) necessary cooperation to the credit rating agency(ies) shall be extended in providing true and adequate information until the debt obligations in respect of the Bonds are outstanding; e) we shall forward the details of utilisation of the funds raised through the Bonds duly certified by our statutory auditors, to the Trustee at the end of each half year; f) we shall disclose the complete name and address of the Debenture Trustee in our annual report; and g) we shall provide a compliance certificate to the Debenture Trustee (on an annual basis) in respect of compliance with the terms and conditions of issue of Bonds as contained in the Prospectus Tranche- I. h) we shall make necessary disclosures/ reporting under any other legal or regulatory requirement as may be required by our Company from time to time. FOR FURTHER DETAILS, PLEASE REFER TO THE PROSPECTUS REGISTRAR TO THE ISSUE Company Secretary and Compliance Officer Mr. H. Verma HUDCO Bhawan, Core- 7A India Habitat Centre, Lodhi Road New Delhi - 110003 Telephone: +91 11 2464 9610 Facsimile: +91 11 2464 8179 E-mail: taxfreebonds@hudco.org Investors may contact the Compliance Officer or the Registrar to the Issue in case of any preIssue or post-Issue related problems such as nonreceipt of letters of allotment, credit of allotted Bonds in the respective beneficiary account or refund orders, Bond certificates (for those who opt for allotment in physical form) etc.

Enam Securities Private Limited SBICAP Trustee Company Limited Karvy Computershare Private Limited SBI Capital Markets Limited 801/802, Dalamal Towers 202, Maker Tower E, Cuffe Parade 8, Khetan Bhavan, 5th Floor, 198, Plot No. 17 to 24, Nariman Point Mumbai 400 005, India J. Tata Road, Churchgate Vithal Rao Nagar Madhapur, Mumbai 400 021, India Telephone: +91 22 2217 8300 Mumbai 400 020, India Hyderabad 500 081, India Telephone: +91 22 6638 1800 Facsimile +91 22 2218 8332 Telephone: +91 22 4302 5555 Telephone: +91 40 4465 5000 Facsimile: +91 22 2284 6824 Email ID: hudcobonds@sbicaps.com Facsimile: +91 22 4302 5500 Facsimile +91 40 2343 1551 Email ID: hudcotaxfree@enam.com Website: www.sbicaps.com Email: corporate@sbicaptrustee.com Email ID: einward.ris@karvy.com Website: www.enam.com Investor Grievance ID: Investor Grievance ID: Website: http:\\karisma.karvy.com Investor Grievance ID: investor.relations@sbicaps.com investor.cell@sbicaptrustee.com Investor Grievance ID: complaints@enam.com Contact Person : Mr. Gitesh Vargantwar/ Website: www.sbicaptrustee.com hudco.bonds@karvy.com Contact Person: Mr. Akash Aggarwal Mr. Puneet Deshpande Contact person: Mr. Vishwas Pathak Contact Person : M. Murali Krishna Compliance Officer: Mr. M. Natarajan Compliance Officer: Mr. Bhaskar Chakraborty SEBI Registration No: IND000000536 SEBI Registration Number: INR000000221 SEBI Registration Number: INM000006856* SEBI Registration Number: INM 000003531* * The SEBI registration certificate of Enam Securities Private Limited and SBI Capital Markets Limited expired on October 15, 2011 and July 31, 2011 respectively. As required under Regulation 9(1) of the Securities and Exchange Board of India (Merchant Bankers) Regulations, 1992 and in compliance with SEBI Circular No. SEBI/MIRSD/DR-2/SRP/Cir-2/2005 dated January 4, 2005, an application dated June 21, 2011 and April 29, 2011 for renewal of the said certificate of registration, in the prescribed manner, was made on June 24, 2011and April 29, 2011, 2011 to SEBI by Enam Securities Private Limited and SBI Capital Markets Limited respectively, three months before the expiry of the said certificate of registration. The approval of SEBI in this regard is awaited. STATUTORY AUDITORS: Agiwal & Associates Lal Kothi, 2nd Floor, 3830, Pataudi House Road, Darya Ganj, New Delhi - 110 002 Telephone: + 91 11 2328 3612, Facsimile: + 91 11 2326 7461, Email ID: agiwal@vsnl.net, Firm Registration Number: 000181N Legal Counsel to the Company : Luthra & Luthra Law Offices, 103, Ashoka Estate, 24, Barakhamba Road, New Delhi 110 001, Telephone: + 91 11 4121 5100, Facsimile: + 91 11 2372 3909 Credit Rating Agencies: Credit Analysis & Research Limited: 4th Floor, Godrej Coliseum, Somaiya Hospital Road, Off Eastern Express Highway, Sion (East), Mumbai - 400022, India. Telephone: +91 22 67543456; Facsimile: +91 22 67543457; Email: care@careratings.com, Website: http://www.careratings.com; SEBI Registration No.: IN/CRA/004/1999; Fitch Ratings India Private Limited: Apeejay House, 6th Floor, 3 - Dinshaw Vaccha Road, Churchgate, Mumbai 400020, India. Telephone: +91 22 40001700; Facsimile: +91 22 4001701, Email: rajesh.patel@fitchratings.com, Website: http://www.fitchindia.com SEBI Registration No.: IN/CRA/002/1999* * The SEBI registration certificate of Fitch Ratings India Private Limited expired on November 4, 2011. As required under Regulation 10(2) of the Securities and Exchange Board of India (Credit Rating Agencies) Regulations, 1999, an application dated July 27, 2011 for renewal of the said certificate of registration, in the prescribed manner, was made on July 28, 2011 to SEBI by Fitch Ratings India Private Limited, three months before the expiry of the said certificate of registration. The approval of SEBI in this regard is awaited. Escrow Collection Banks / Bankers to the Issue : Axis Bank Limited: 148, Statesman House Barakhamba Road New Delhi 110 001, Telephone: +91 11 4742 5120, Facsimile: +91 11 2331 1054, Email: newdelhi.branchhead@axisbank.com, Contact person: Mr. Sandeep Kumar/ Mr. Ashish Dhall/ Mr. Rajeev Taneja, Website: www.axisbank.com, SEBI Registration Number: INBI00000017; HDFC Bank Limited: FIG-OPS Department- Lodha I Think Techno Campus, O-3 Level, Next to Kanjurmarg Railway Station, Kanjurmarg (East), Mumbai 400 042. Telephone: +91 22 3075 2928, Facsimile: +91 22 2579 9801 Email: uday.dixit@hdfcbank.com, Contact person: Mr. Uday Dixit, Website: www.hdfcbank.com, SEBI Registration Number: INBI00000063; ICICI Bank Limited: Capital Market DivisionRajabahadur Mansion, 30 Mumbai Samachar Marg, Fort, Mumbai 400 001, Telephone: +91 22 6631 0322, Facsimile: +91 22 6631 0350, Email: anil.gadoo@icicibank.com, Contact person: Mr. Anil Gadoo, Website: www.icicibank.com, SEBI Registration Number: INBI00000004; IDBI Bank Limited: Unit No. 2, Corporate Park, Sion Trombay Road, Chembur, Mumbai 400 071. Telephone: +91 22 6690 8402, Facsimile: +91 22 2528 6173, Email: ipoteam@idbi.co.in, Website: www.idbi.com, Contact person: Mr. V. Jayananthan, SEBI Registration Number: INBI00000076; IndusInd Bank Limited CMS, Solitaire Corporate Park No. 1001, Building no. 10 Ground floor, GH Marg, Andheri East, Mumbai 400 093. Telephone: +91 22 6772 3901, Facsimile: +91 22 6772 3998, Email: sanjay.vasarkar@indusind.com, Contact person: Mr. Sanjay Vasarkar, Website: www.indusind.com, SEBI Registration Number: INBI00000002; Kotak Mahindra Bank Limited: 5th Floor, Dani Corporate Park 158, CST Road, Santacruz (E), Mumbai 400 098. Telephone: +91 22 6759 5336, Facsimile: +91 22 6759 5374, Email: amit.kr@kotak.com, Website: www.kotak.com, Contact person: Mr. Amit Kumar, SEBI Registration Number: INBI00000927; Punjab National Bank: Capital Market Services Branch 5, Sansad Marg, New Delhi 110 001, Telephone: +91 11 2373 7531, Facsimile: +91 11 2373 7528, Email: bo4552@pnb.co.in, Contact person: Mr. A.K. Jain, Website: www.pnbindia.com, SEBI Registration Number: INBI00000084; State Bank of India: Videocon Heritage (Killic House) Ground Floor, Charanjit Rai Marg, Mumbai 400 001. Telephone: +91 22 2209 4932, Facsimile: +91 22 2209 4921, Email: nib.11777@sbi.co.in, Website: www.statebankofindia.com, Contact person: Mr. R.K. Prasad, SEBI Registration Number: INBI00000038; Yes Bank Limited: 3rd Floor, Ion House, Dr. E. Moses Road, Mahalaxmi, Mumbai 400 011, Telephone: +91 22 6622 9031, Facsimile: +91 22 2497 4875, Email: dlbtiservices@yesbank.in, Contact person: Mr. Mahesh Shirali, Website: www.yesbank.in, SEBI Registration Number: INBI00000935. Consortium Members : Axis Bank Limited, Axis House, E Wing, Level 5, Bombay Dyeing Mills Compound, P.B. Marg, Mumbai 400 025, Maharashtra, India. Telephone: +91 22 2425 3122, Facsimile: +91 22 4325 7100, Email: hudcoipo@axisbank.com, Website: www.axisbank.com, Investor grievance ID: axbmbd@axisbank.com, Contact person: Mr. Kartik Shah/ Mr. Neelabh Dubey, SEBI registration number: INM000006104; SBICAP Securities Limited (in their capacity of being an affiliate of SBI Capital Markets Limited), Registered office address: 191, Maker Tower F, Cuffe Parade, Mumbai 400 005, India. Correspondence address: Mafatlal Chambers, C- Wing, 2nd floor, N M Joshi Marg, Lower Parel, Mumbai 400 013. Telephone: +91 22 4227 3300, Facsimile: +91 22 4227 3390, Email: Archana.dedhia@sbicapsec.com, Website: www.sbicapsec.com, Investor grievance ID: complaints@sbisec.com, Contact person: Ms. Archana Dedhia, SEBI registration number: INB 231052938. Refund Banks : Axis Bank Limited, IDBI Bank Limited You should carefully consider all the information in the Shelf Prospectus, including the risks and uncertainties described below, and in the sections titled Our Business on page 49 of the Shelf Prospectus as well as the financial statements contained in the Shelf Prospectus, before making an investment in the Bonds. The risks and uncertainties described in this section are not the only risks that we currently face. Additional risks and uncertainties not known to us or that we currently believe to be immaterial may also have an adverse effect on our business, results of operations and financial condition. If any of the following or any other risks actually occur, our business, prospects, results of operations and financial condition could be adversely affected and the price of, and the value of your investment in, the Bonds could decline and you may lose all or part of your investment. The financial and other related implications of risks concerned, wherever quantifiable, have been disclosed in the risk factors mentioned below. However, there are certain risk factors where the effect is not quantifiable and hence has not been disclosed in such risk factors. The numbering of risk factors has been done to facilitate the ease of reading and reference, and does not in any manner indicate the importance of one risk factor over another. You should consult your tax, financial and legal advisors about the particular consequences to you of an investment in the Bonds. Unless otherwise stated, our financial information used in this section is derived from our Reformatted Financial Information as of and for the years ended March 31, 2007, 2008 2009, 2010 and 2011 and from our Limited Review Financial Information for the six months ended September 30, 2011 under Indian GAAP. RISKS IN RELATION TO OUR BUSINESS 1. We are currently involved in certain criminal proceedings, and any adverse decision in any of these proceedings may have an adverse effect on our business, results of operations and financial condition. We, and some of our employees, are presently involved in four criminal proceedings which have been filed against us in various forums, which are in relation to, among other things, allegations of conspiracy in the sanctioning of loans, non-compliance with provisions of the Contract Labour Act, conspiracy in relation to non-disbursal of loans sanctioned by our Company in a timely manner and allegations of fabrications of evidence. For details of these cases, see the section titled Outstanding Litigation and Material Developments on page 89. We cannot provide any assurance that these matters will be decided in our favour. In the event that these proceedings are decided in favour of the complainants, our business, results of operations and financial condition could be adversely affected. Further, there is no assurance that similar proceedings will not be initiated against us in the future. 2. If the level of NPAs in our loan portfolio were to increase, our financial condition would be adversely affected. The NHB Directions, which are applicable to us, have laid down prudential norms with regard to NPAs, including in relation to identification of NPAs and income recognition against NPAs. As at March 31, 2011 our gross NPAs were ` 1,227.60 crores or 5.46% of our outstanding portfolio which includes loans extended by us and investments in bonds, compared to ` 1,282.45 crores or 5.88% as at March 31, 2010. There is no assurance that the NPA level will continue to stay at its current level or continue to decline. If the quality of our loan portfolio deteriorates or we are unable to implement effective monitoring and collection methods, our results of operations and financial condition may get adversely affected. We have diversified our loan portfolio in the three years ended March 31, 2011 and intend to continue our efforts to originate new loans. We cannot therefore assure you that there will not be significant additional NPAs in our loan portfolio in the future on account of existing loans and new loans made. Further, the NHB Directions on NPAs may become more stringent than they currently are, which may adversely affect our profitability and results of operations. The NHB Directions also prescribe the provisioning required in respect to 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 NPAs. Our provisions were ` 1,174.97 crores in the year ended March 31, 2010 and ` 1,187.68 crores in the year ended March 31, 2011, which represented 91.62% and 96.75% respectively of our gross NPAs in those periods. If we are required to increase our provisioning in the future due to increased NPAs or the introduction of more stringent requirements in respect of loan loss provisioning, this may reduce our profit and adversely impact our results of operations. Further, there is no assurance that we will be able to recover the outstanding amounts due under any defaulted loans. 3. Our financial results for the six months ended September 30, 2011 have been subjected to limited review by our statutory auditors, and the audited results for the same period may be materially different from the present results. In terms of the SEBI Debt Regulations and the Debt Listing Agreement entered into between us and the NSE where our debt securities are currently listed, we prepare half-yearly financial results subject to limited review by our statutory auditors in the format specified in the Debt Listing Agreement. Accordingly, we have, pursuant to a letter from SEBI dated November 4, 2011, disclosed in the Shelf Prospectus the Limited Review Financial Information. However, we cannot assure you that our actual audited results for the same period will not be materially different from the Limited Review Financial Information. 4. We may not be able to foreclose on or realise the value of our collateral on
6

RISK FACTORS a timely basis, or at all, when borrowers default on their obligations to us and this may have a materially adverse effect on our business, results of operations and financial condition. Most of our loans to various government entities are secured by guarantees from the relevant state governments with or without their respective budgetary allocations to repay outstanding debt facilities as of each financial year, or mortgage of properties with a minimum security cover of 125% of the total loan amount. Further, our loans to entities in the private sector are secured by mortgages of the respective project properties providing us with a minimum security cover of 150% of the total loan amount, personal guarantees and contributions by promoters, as deemed fit by us. An economic downturn could result in a fall in relevant collateral values, which, should we need to foreclose on the collateral, may result in us not being able to recover all of the outstanding amounts due under defaulted loans. There is no assurance that we will be able to realise the full value of our security, due to, among other things, delays on our part to take immediate action, delays in bankruptcy foreclosure proceedings, economic downturns, defects in security, adverse court orders and fraudulent transfers by borrowers. In the event that a specialised regulatory agency asserts jurisdiction over the enforcement proceedings, creditor actions can be further delayed. There can therefore be no assurance that we will be able to foreclose on collateral on a timely basis, or at all, and if we are able to foreclose on the collateral, that the value will be sufficient to cover the outstanding amounts owed to us. In addition, the RBI has developed a corporate debt restructuring process to enable timely and transparent debt restructuring of corporate entities that are beyond the jurisdiction of the Board of Industrial and Financial Reconstruction, the Debt Recovery Tribunal and other legal proceedings. The applicable RBI guidelines contemplate that in the case of indebtedness aggregating ` 10 crores or more, lenders for more than 75% of such indebtedness by value and 60% by number may determine the restructuring of such indebtedness and such determination is binding on the remaining lenders. In circumstances where other lenders account for more than 75% of such indebtedness by value and 60% by number and they are entitled to determine the restructuring of the indebtedness of any of our borrowers, we may be required by such other lenders to agree to such debt restructuring, irrespective of our preferred mode of settlement of our loan to such borrower. In addition, with respect to any loans granted by us through a consortium, a majority of the relevant lenders may elect to pursue a course of action that may not be favorable to us. Any such debt restructuring could lead to an unexpected loss that could adversely affect our business, results of operations and financial condition. 5. Our business is vulnerable to interest rate volatility and we will be impacted by any volatility in such interest rates in our operations, which could cause our net interest margins to decline and adversely affect our profitability. Our results of operations are substantially dependent upon the level of our net interest income. Interest rates are highly sensitive to many factors beyond our control, including the RBIs monetary policies and domestic and international economic and political conditions. Our average cost of funds has increased from 8.12% for the year ended March 31, 2010 to 8.13% for the year ended March 31, 2011. Changes in interest rates could affect the interest rates charged on interest-earning assets differently than the interest rates paid on interest-bearing liabilities. Although only 31.12% of our loan assets (excluding investments in bonds) had a fixed rate of interest as of March 31, 2011, our business is still affected by changes in interest rates and the timing of any re-pricing of our liabilities compared with the repricing of our assets. Whilst we hedge our interest rate exposure to some of our floating rate liabilities, we are also exposed to interest rate fluctuations on our un-hedged floating rate loans as our interest expense may increase before we can raise interest rates on our floating rate loans which are reviewed periodically. Further, there can be no assurance that we will be able to manage our interest rate risk adequately in the future. If we are unable to do so, this would have an adverse effect on our net interest margin and hence our profitability. Further, since around 31.12% of our Housing Finance and Infrastructure Finance portfolio are in the nature of fixed interest rate loans (which are also subject to reset after every three years), any increase in interest rates may adversely affect the demand for the products in our loan portfolio, which in turn may affect our interest income and have a material adverse effect on our business, results of operations and financial condition. In addition, in a rising interest rate environment, if the yield on our interest-earning assets does not increase simultaneously with 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 simultaneously 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. Any such declines in our net interest margins in the future can have a material adverse effect on our business, results of operations and financial condition. 6. We may not be able to successfully manage and maintain our growth, which could have a material adverse effect on our results of operations and financial condition. Our business has rapidly grown since our inception in 1970 and we have expanded our operations over the years. We have experienced growth in terms of our operating income, our loan portfolio and the number of our offices and employees. Our net profits increased at a CAGR of 12.27% from the year ended March 31, 2007 to the year ended March 31, 2011. Our future growth depends on a number of factors, including the increasing demand for housing and urban

infrastructure loans in India, competition and regulatory changes. We cannot assure that we will be able to continue to sustain our growth at historical rates in the future. As we continue to grow, we must continue to improve our managerial, technical and operational knowledge, the allocation of resources and our management information systems. In addition, we may be required to manage relationships with a greater number of customers, third party agents, lenders and other parties. We cannot assure you that we will not experience issues such as capital constraints, operational difficulties, difficulties in expanding our existing business and operations and training an increasing number of personnel to manage and operate the expanded business. Any of these issues may adversely affect the implementation of our expansion plans in a timely manner and there can be no assurance that any expansion plans, if implemented, will be successful. 7. Any inability to meet our debt finance obligations may have an adverse effect on our business and results of operations. As of December 31, 2011, we had outstanding indebtedness of ` 15,930.57 crores. Our indebtedness could have several important consequences, including but not limited to, the following: we may be required to dedicate a portion of our cash flow toward repayment of our existing debt, which will reduce the availability of our cash flow to fund asset liability mismatch, capital expenditures and other general corporate requirements; our ability to obtain additional financing in the future may be impaired; fluctuations in market interest rates may adversely affect the cost of our borrowings; there could be a material adverse effect on our business, prospects, results of operations and financial condition if we are unable to service our indebtedness or otherwise comply with financial covenants of such indebtedness; and we may be more vulnerable to economic downturns which may limit our ability to withstand competitive pressures and result in reduced flexibility in responding to changing business, regulatory and economic conditions. Our ability to meet our debt service obligations and to repay our future outstanding borrowings will depend primarily upon the cash flow generated by our business, as well as funding from capital markets. In the event that we fail to meet our debt service obligations, the relevant lenders could declare us defaulting on our obligations, accelerate the payment of our obligations or foreclose on security provided by us. We cannot assure investors that in the event of any such steps by our lenders, we will have sufficient resources to repay these borrowings. Failure to meet obligations under debt financing agreements may have an adverse effect on our cash flows, business and results of operations. Additionally, as of December 31, 2011, ` 7,233.59 crores or 45.40% of our total indebtedness was at floating rates of interest. If the interest rates for our existing or future borrowings increase significantly, our cost of funds will increase. This may adversely impact our results of operations, planned capital expenditures and cash flows. Furthermore, there can also be no assurance that any future hedging arrangements we enter into will successfully protect us from losses due to fluctuations in interest rates because we do not hedge all of our floating rate debt. 8. We face asset-liability mismatches which could affect our liquidity and consequently may adversely affect our operations and profitability. We may face potential liquidity risks due to mismatch in the maturity of our assets and liabilities. As is typical for a company in the business of lending, a portion of our funding requirements is met through short/medium term funding sources such as bank loans, cash credit or overdraft facilities. Our inability to obtain additional credit facilities or renew our existing credit facilities for matching tenure of our liabilities in a timely and cost-effective manner or at all, may lead to mismatches between our assets and liabilities, which in turn may adversely affect our operations and financial performance. 9. Financing of Indian housing and urban infrastructure sector is very competitive and increasing competition may result in declining margins and market shares. Interest rate deregulation, entry of commercial banks in the business of financing housing and urban infrastructure sector and other liberalisation measures affecting the business of financing of housing and urban infrastructure sector, together with increased demand for home finance, have increased competition significantly. Historically, financing of housing and urban infrastructure sector was dominated by HFCs and DFIs. While liberalisation has resulted in significant growth in the market, it has also provided increased access for borrowers to alternative sources of housing and urban infrastructure finance funding, in particular, from commercial banks. Most of the commercial banks have wider range of products and services, greater financial resources and a lower average cost of funds than HFCs or DFIs by having access to retail deposits and greater marketing capabilities due to their more extensive branch networks. By comparison, HFCs or DFIs are more reliant on sources of funding with higher costs, such as syndicated loans and debentures for their funding requirements, which affects their competitiveness in the market when compared to banks. As a result, HFCs or DFIs have lost market share to commercial banks in the Indian housing and urban infrastructure finance sector. As a result of increased competition, housing and urban infrastructure loans are becoming increasingly standard and terms such as floating rate interest options, monthly rest periods and no pre-payment penalties are becoming increasingly common. In addition, commercial banks and HFCs, including ourselves, have begun to include the cost of registration, stamp duty and other associated costs as part of the loan disbursement, which has benefited the borrower by increasing affordability. We cannot assure you that we will be able to retain our market share in the increasingly competitive housing

HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED

IN THE NATURE OF FORM 2A - ABRIDGED PROSPECTUS CONTAINING SALIENT FEATURES OF THE PROSPECTUS and urban infrastructure finance sector. Increasing competition may have an adverse effect on our net interest margins and other operating income, and if we are unable to compete successfully, our market share will decline as the origination of new loans declines. 10. We may be unable to secure funding at competitive rates, which could adversely affect our growth, expansion and results of operations. Our business funding consists of funds raised through the domestic debt markets through issue of debt securities and loans from various banks and financial institutions, including, among other things, Bank of India, General Insurance Corporation, Life Insurance Corporation of India, Bank of Baroda and Canara Bank. For further details, please see the section titled Financial Indebtedness on page 77 of the Shelf Prospectus. While most of our debt securities are on a fixed rate basis, most of the banking sector loans are linked to floating rate benchmarks. Our cost of funds from banks and the domestic debt market is influenced by our current domestic credit rating from Fitch and/ or CARE. For details, see the section titled Our Business- Our credit ratings on page 57 of the Shelf Prospectus. The credit rating of our unsecured bonds programme was downgraded in 2002-03 to AA- by CRISIL. While this downgrading was only for our unsecured bonds programme, there can be no assurance that our credit rating in general will not be downgraded in future. Further, a significant factor taken into account for our current domestic credit ratings is the substantial exposure of our loan portfolio to state government entities running and administering various urban infrastructure projects and social housing schemes If our relationship with such state governments change for any reason and our exposures to them are reduced, there can be no assurance that our domestic credit rating would not be revised by Fitch and/or CARE and any such revision may result in an increase in the cost of our funding. 11. Our business may be adversely affected by future regulatory changes. Our housing and urban infrastructure business is regulated by the NHB. For further details, see the section titled Regulations and Policies on page 61 of the Shelf Prospectus. We are also subject to the corporate, taxation and other laws in effect in India which require continued monitoring and compliance. The introduction of additional government control or newly implemented laws and regulations including, among other things, in relation to provisioning for NPAs, recoveries, capital adequacy requirements, exposure norms, etc., depending on the nature and extent thereof and our ability to make corresponding adjustments, may result in a material adverse effect on our business, results of operations and financial condition and our future expansion plans in India. In particular, decisions taken by regulators concerning economic policies or goals that are inconsistent with our interests, could adversely affect our results of operations. While we will take adequate measures, we cannot assure you that we will be able to timely adapt to new laws, regulations or policies that may come into effect from time to time with respect to the financing of housing and urban infrastructure sector in general. These laws and regulations and the way in which they are implemented and enforced may change from time to time and there can be no assurance that future legislative or regulatory changes will not have an adverse effect on our business, results of operations and financial condition. 12. We have a limited history with respect to operating through joint ventures and are subject to all of the business risks and uncertainties associated with commencing new business lines in general. In order to diversify our businesslines in the urban infrastructure sector, we have entered into four joint ventures in 2005 and 2006 for construction activities and to provide consultancy and technical services. For further details, see the section titled History and Certain Corporate Matters- Joint Ventures on page 64 of the Shelf Prospectus. Compared to our experience in the business of financing housing and urban infrastructure projects, we have limited operational experience in operating through joint ventures. These businesses involve various risks, including, but not limited to, execution and financing risks. Our successes in operating through joint ventures will depend, among other things, on our ability to attract suitable joint venture partners and to build relationships with industry partners. Additionally, we are subject to business risks and uncertainties associated with any new business enterprise, including the risk that we will not achieve our objectives within the estimated time period, or at all. 13. We have high loan concentrations with our top ten borrowers contributing to 30.12% of our total loans outstanding as on March 31, 2011 and default by any one of them could significantly affect our business. We have significant exposures to state governments as well as their agencies in relation to our loans portfolio. As of March 31, 2011, aggregate loans to our ten largest borrowers amounted to ` 6,384.66 crores, representing approximately 30.12% of our total loans outstanding as of such date. Our single largest borrower on such date had an outstanding balance of ` 1,781.48 crores, representing 8.40% of our total loans outstanding as of such date. Further, our increasing dependence on state governments and their agencies which have weak financials has also been highlighted by CARE and Fitch as a significant risk for our loans portfolio. Whilst we are currently allowed by the NHB to extend an exposure of upto 50% of our net owned funds to Government agencies (under individual borrower exposure, only for housing and housing related infrastructure) and 15% for other projects/borrowers and upto 100% of our net owned funds to the individual state governments (under group exposure) and 25% for other borrowers (under group exposure), any deterioration in the credit quality of these assets could have a significant adverse effect on our business, prospects, results of operations, and financial condition. 14. We are subject to certain restrictive covenants in our loan documents, which may restrict our operations and ability to grow and may adversely affect our business. There are certain restrictive covenants in the agreements we have entered into with our lenders. These restrictive covenants require us to maintain certain financial ratios and seek the prior permission of these banks/financial institutions for various activities, including, among other things, selling, transferring or otherwise disposing of any part of our business or revenues, effecting any scheme of amalgamation or reconstitution, implementing a new scheme of expansion or taking up an allied line of business. Such restrictive covenants in our loan agreements may restrict our operations or ability to expand and may adversely affect our business. For details of these restrictive covenants, see the section titled Financial Indebtedness on page 77 of the Shelf Prospectus. 15. Our Directors may have interests in companies/entities similar to ours, which may result in a conflict of interest that may adversely affect future financing opportunity from referrals. Some of our Directors have interests in other companies which are in businesses similar to ours. For instance, Ms. Sudha Krishnan, our government-nominee Director, is also on the board of directors of National Buildings Construction Corporation Limited and Hindustan Prefab Limited; Ms. Aruna Sundararajan, our government-nominee Director, is also on the board of directors on Hindustan Prefab Limited; Dr. Radha Binod Barman, one of our independent Directors, is also on the board of directors of North-East Development Financial Corporation Limited; and Mr. Nassereddin Munjee, one of our independent Directors, is the chairman on the board of directors of Development Credit Bank Limited and on the board of directors of HDFC Limited. For further information with respect to directorships of certain of our Directors, please see the section titled Our Management on page 68 of the Shelf Prospectus. Such directorships of our Directors may result in potential conflict of interest situations. While, our Board continues to adhere to the requirements of the Companies Act, there can be no assurance that these or other conflicts of interest will be resolved in a timely and efficient manner. 16. We are involved in certain legal proceedings, which, if determined against us, could adversely impact our business and financial condition. We are a party to various legal proceedings which are pending at different levels of adjudication before various courts, tribunals, statutory and regulatory authorities/ other judicial authorities, and if determined against our Company, could have an adverse impact on the business, financial condition and results of operations of our Company. Materially, we are currently involved in four criminal proceedings as well as numerous civil proceedings pending in various civil courts and debt recovery tribunals for recoveries of our outstanding loans, arbitration matters, contempt petitions, income tax proceedings, public interest litigations and various other writ petitions pending in various high courts in the country. For further details, see the section titled Outstanding Litigation and Material Developments on page 89 of the Shelf Prospectus. We can give no assurance that these legal proceedings will be decided in our favor. Any adverse decision may have a significant effect on our business, prospects, financial condition and results of operations. 17. We have experienced incidents of fraud in the past and may experience such frauds in the future as well, which may have an adverse effect on our business, results of operation and financial condition. Our housing finance business is susceptible to fraud committed by our borrowers. Although we have taken measures to safeguard against system-related and other fraud, there can be no assurance that we would be able to prevent fraud. Since our inception, till March 31, 2011, we have experienced a few instances of fraud. Whilst we have regularly taken various steps to strengthen internal control, credit appraisal, risk management and fraud detection procedures, there can be no assurance that they will be sufficient to prevent further cases of fraud. This may have an adverse effect on our business, results of our operations and financial condition. 18. In the event of our failing to meet the capital adequacy and statutory liquidity requirements on account of any changes in the existing regulatory policy, our results of operation and financial condition could be severely affected. As at September 30, 2011, we have a CRAR of 39.86%, which exceeded the extant NHB requirement of 12%. This ratio is used to measure a finance companys capital strength and to promote the stability and efficiency of the finance system. We currently have low levels of subordinated debt and rely predominately on our Equity Share capital, NCDs and internal accruals to support our growth and maintain a prudent capital base. Should we be required to raise additional capital in the future in order to maintain our CRAR above the existing and future minimum required levels, we cannot guarantee that we will be able to obtain this capital on favourable terms, in a timely manner or at all. Furthermore, a significant reason as to our existing high CRAR is our substantial exposure to loans granted and guaranteed by the Central/state governments, since extant prudential norms by the NHB on capital adequacy accord a zero risk-weight to such loans guaranteed by state governments. In the event of any change in the legal regime governing capital adequacy by virtue of which a higher risk-weightage is accorded to loans granted by companies guaranteed by state governments, our CRAR may be adversely affected. If we fail to meet the capital adequacy and statutory liquidity requirements, NHB may take certain actions, including but not limited to restricting our asset growth which could materially and adversely affect our reputation, results of operations and financial condition. Further, the NHB makes periodic inquiries and conducts inspections or investigations concerning our compliance with applicable regulations. While we cannot predict the outcome of any future inspection or enquiry, we do not believe that any currently ongoing inspection or enquiry will have a material adverse effect on our business, results of operations or financial condition. 19. In the event that our contingent liabilities were to materialise, our financial condition could be adversely affected. Our total contingent liabilities that have not been provided for as of March 31, 2011, were ` 340.53 crores. The details are as follows: (In ` crores); 2010-2011: A; Claims of Contractors not acknowledged as debts; 9.16: B; Demand (including penalty) on account of payment of guarantee fee on SLR debentures guaranteed by Government of India; 31.61: C; Disputed Income tax and Interest tax demands against which Company has gone in appeal. The RISK FACTORS Company has paid ` 229.67 crore (previous year ` 223.88 crore ) under protest; 276.29: D; Disputed Service tax demands against which Company has gone in appeal. The Company has paid ` 0.25 crore (previous year ` 0.04 crore ) under protest; 4.95: E; Counter claims of various parties for damages against Companys claim in Civil Courts; 0.39: F; Estimated amount of commitments remaining to be executed on capital account; 18.13 For further details on contingent liabilities, see the section titled Annexure AFinancial Statements- Significant Notes to Accounts on page 184 of the Shelf Prospectus. In the event that any of the said contingent liabilities fructify, the same could adversely affect the financial condition of our Company. 20. We may be required to bear additional tax liability for previous assessment years, which could adversely affect our financial condition. According to extant guidelines from the NHB, an HFC is not permitted to recognise income if the amount due in respect of a loan has not been paid by the borrower for 90 days or more and such amount is considered an NPA. However, under section 43D read with rule 6EB of the Income Tax Rules, the definition of an NPA under the Income Tax Act is different from that provided by extant guidelines of the NHB in force at present. We have been following the guidelines of the NHB on income recognition. However, if the interpretation of the income tax department is different to ours, we may be required to bear additional tax liabilities for previous assessment years, as well as an increased tax liability in the future as a result of our income being recognized by the income tax department at a higher level than the income offered for taxation under the guidelines set out by the NHB. 21. We are subject to risks arising from exchange rate fluctuations and devaluation of the Indian rupee against any foreign currencies which could increase our cost of finance, thereby adversely affecting our results of operation and financial condition. We are exposed to risks related to exchange rate fluctuations, particularly with respect to the U.S. dollar and the Japanese Yen, because we report our results in Indian rupees but have debt which is denominated in U.S. dollars and Japanese Yen. As a result, changes in currency exchange rates may affect our results of operations. As at December 31, 2011, ` 452.97 crores, or approximately 2.84% of our total indebtedness of ` 15,930.57 crores was denominated in U.S. dollars and ` 319.33 crores, or approximately 2.00% of our total indebtedness of ` 15,930.57 crores was denominated in Japanese Yen. In order to reduce our currency exchange risks, we currently have hedging arrangements in relation to a significant portion of these external commercial borrowings. However, an indebtedness of ` 26.63 crores denominated in U.S. dollars and ` 302.04 crores denominated in Japanese Yen is currently not subject to any hedging arrangements. For further details, please see the section titled Financial Indebtedness on page 77 of the Shelf Prospectus. There can be no assurance that our existing hedging measures will enable us to avoid the effect of any adverse fluctuations in the value of the Indian rupee against the U.S. dollar and the Japanese Yen or other relevant foreign currencies. Any depreciation of the Indian rupee against the U.S. dollar, the Japanese Yen or other foreign currencies may adversely affect our results of operations if we are unable to pass on the costs of foreign exchange variations to our customers. 22. Borrowing for the purchase or construction of property may not continue to offer borrowers the same fiscal benefits it currently offers, which would result in lower demand for our housing finance portfolio, and thereby, adversely affect our business. The growth in the financing of housing sector in India in the last decade is in part due to the introduction of tax benefits for homeowners. Tax benefits on borrowed capital for the repairs, renewals, construction, re-construction or acquisition of house property have been allowed up to certain limits. There can be no assurance that the GoI will continue to offer such tax benefits to borrowers at the current levels or at all. In addition, there can be no assurance that the GoI will not introduce tax efficient investment options which are more attractive to borrowers than investment in property. The demand for housing and/or housing finance may be reduced if any of these changes occur, thereby adversely affecting our business. 23. The upgrade of our Information Technology systems is due, and in the event such upgrade is unsuccessful or delayed, our business could be significantly affected. The upgrade of our information technology systems is due. We are yet to appoint a vendor for the upgrade of our information technology such that the timeliness and quality of information available for the purposes of more effective decision making can be improved. We cannot assure you that a vendor for the upgrade will be hired any time soon. Further, there can be no assurance that the new systems will be successfully integrated into our existing systems, that our employees can be successfully trained to utilise the upgraded systems, that the upgraded systems, if installed and operational, will not become quickly outdated or that the upgraded systems will bring about the anticipated benefits. 24. Our Registered Office is not owned by or leased to us, and in the event we are unable to continue to operate from such premises, our business, financial condition and results of operation may be adversely affected. The land on which our Registered Office is located was allotted to the India Habitat Centre, a registered society, (IHC) by the Land & Development Office (L&DO), Ministry of Urban Development, GoI in 1988 for the construction of buildings. IHC was thereafter required to enter into a lease deed with L&DO, and furthermore, enter into a tripartite sub-lease agreement with us and the L&DO, GoI. IHC is yet to enter into a lease deed with the L&DO and consequently, we have been unable to enter into this tripartite sub-lease deed with the IHC and the L&DO. Failure by IHC to enter into a lease deed with the L&DO will render it difficult for us to enter into a tripartite sub-lease with the IHC and the L&DO in relation to our Registered Office. Further, in the event, IHC offers to enter into a tripartite sub-lease deed with us, it may not be on terms and conditions that are acceptable to us. 25. With regard to the composition of our Board, we have not been able to comply, on certain occasions in the past, with the provisions of the guidelines by the Department of Public Enterprises. With regard to the composition of our Board, we have not been able to comply, on certain occasions in the past, with the provisions of the Office Memorandum dated May 14, 2010 issued by the Department of Public Enterprises, Ministry of Heavy Industries and Public Enterprises, GoI (DPE Corporate Governance Guidelines). During the past three Fiscals, our statutory auditors have qualified their annual corporate governance report of our Company stating that our Board was not in compliance with the DPE Corporate Governance Guidelines. Our Company has responded to this qualification by stating that the power to appoint Directors on its Board vests with the GoI and that this non-compliance had been duly brought to the attention of the GoI on numerous occasions. While our Board is currently compliant with the DPE Corporate Governance Guidelines, there can be no assurance, given the fact that our Company does not have the power to appoint Directors on its Board, that such compliance will continue, or that, upon the expiration of the terms of any of our current independent Directors or the appointment of functional directors, suitable and timely replacements will be appointed by the GoI. 26. Our statutory auditors have qualified their audit report on our financial statements in the past and any qualifications in the auditors report in the future may impact our results of operations. Our statutory auditors have included qualifications in their audit report with respect to certain matters in the financial statements for the Fiscals 2007, 2008, 2009, 2010, 2011 in relation to our Company. For details, please see the section titled Annexure A- Financial Statements on page 135 of the Shelf Prospectus. We cannot assure you that our auditors will not qualify their audit reports on the audited financial statements in the future. Any qualifications in the auditors report in the future may impact our results of operations. 27. We have negative cash flows in recent periods and an inability to generate and sustain positive cash flows in the future may adversely affect our business, results of operation and financial condition. We have had negative cash flows in recent periods, the details of which are as under: (In ` crore): Particulars; Fiscal 2011; Fiscal 2010; Fiscal 2009; Fiscal 2008; Fiscal 2007: Net cash used in operating activities; 414.25; NA; NA; NA; NA: Net cash used in investing activities; NA; NA; NA; NA; NA: Net cash used in financing activities; NA; 3706.61; NA; 1,465.23, 1,071.09. For further details, see the section titled Annexure A- Financial Statements on page 135 of the Shelf Prospectus. Negative cash flow over a long period and inability to generate and sustain positive cash flows in the future may adversely affect our business, results of operation and financial condition. 28. Office copies of some of the forms required to be filed with the RoC in the past with regard to certain corporate actions are not traceable in our office as also with the RoC, which may affect our compliance with the Companies (Central Government) General Rules and Forms, 1956. Some of our forms with the RoC with regard to certain corporate actions in the past are not traceable and we may not have filed some or all of such forms with the RoC. For instance, we are unable to trace forms in respect of increase in our authorised share capital and the allotment of equity shares. We have not been able to obtain copies of such relevant documents, including from the RoC. Consequently, we may not be in compliance with Companies (Central Government) General Rules and Forms, 1956 in respect of such periods in the past. 29. We benefit from certain tax benefits available to us as a public financial institution and if these benefits are no longer available to us, our business, financial condition, results of operations may be adversely affected. We currently receive tax benefits by virtue of our status as a public financial institution which have enabled us to reduce our effective tax rate. In the Fiscals 2007, 2008, 2009, 2010 and 2011 our effective tax liability, calculated on the basis of our tax liability as a percentage of profit before tax, was lesser as compared to statutory corporate tax rates (including surcharge and cess) for such periods. The availability of such tax benefits is subject to the policies of the GoI, among other things, and there can be no assurance as to any tax benefits that we will receive in the future. If the laws or regulations regarding these tax benefits are amended, our taxable income and tax liability may increase, which would adversely impact our financial condition and results of operations. In addition, it is likely that the Direct Tax Code, once introduced, could significantly alter the taxation regime, including incentives and benefits, applicable to us. If the laws or regulations regarding the tax benefits applicable to us were to change, our taxable income and tax liability may increase, which would adversely affect our financial results. 30. The positions of functional directors remaining vacant and/ or the loss of key management personnel may have an adverse affect on our business, results of operations, financial condition and ability to grow. Our future performance depends on the continued service of our Board and key management personnel. Currently, two out of the three positions of functional directors on the Board are vacant. We also face a continuous challenge to recruit and retain a sufficient number of suitably skilled management personnel, particularly as we continue to grow. There is significant competition for skilled management personnel in our industry, and it may be difficult to attract and retain the key management personnel we need in the future. While we have employee friendly policies including an incentive scheme to encourage employee retention, the loss of key management personnel may have an adverse affect on our business, results of operations, financial condition and ability to grow. 31. In the event that our insurance is not adequate to protect us against all potential losses to which we are exposed; our business, profitability and financial condition may be adversely affected. We insure the property in relation to our Registered Office and our corporate office, and other office properties which are renewed on an annual basis. Further, in case of mortgage and hypothecation based loans, the relevant loan agreements stipulate that the borrowers obtain insurance for the relevant project properties. However, such insurance may not be adequate to cover all losses or liabilities that may arise including when the loss is not easily quantified. Even if we make a claim under an insurance policy, we may not be able to successfully assert our claim for any liability or loss under such insurance policy. Further, with respect to insurance of the project properties, some of the borrowers may not have renewed the insurance on a regular basis. 32. The proposed adoption of IFRS may result in our financial condition and results of operations appearing materially different than under Indian GAAP. Public companies in India, including us, may be required to prepare annual and interim financial statements under IFRS in accordance with the roadmap for the adoption of, and convergence with, IFRS announced by the Ministry of Corporate Affairs, GoI (MCA), through a press note dated January 22, 2010. Through a press release dated February 25, 2011, the MCA announced that it will implement the converged accounting standards in a phased manner after various issues, including tax-related issues, are resolved. The MCA is expected to announce the date of implementation of the converged accounting standards at a later date. Our cash flows, results of operations, financial condition or changes in shareholders equity may appear materially different under IFRS than under Indian GAAP. In addition, in our transition to IFRS reporting, we may encounter difficulties in the ongoing process of implementing and enhancing our management information systems consequent to the listing of the Bonds and the reporting requirements applicable to listed companies in India under the Debt Listing Agreements already entered into with the NSE and to be entered into with the NSE and the BSE for listing of the Bonds. Moreover, our transition may be hampered by increasing competition and increased costs for the relatively small number of IFRS-experienced accounting personnel available as more Indian companies begin to prepare IFRS financial statements. 33. The adoption of the new Schedule VI to the Companies Act may result in our financial information appearing materially different from that of the previous Fiscals Pursuant to a notification dated February 28, 2011, the MCA has notified a new Schedule VI to the Companies Act on general instructions for preparation of balance sheet and statement of profit and loss of a company (New Schedule VI). The New Schedule VI has come into effect from April 1, 2011 and introduces many new concepts and disclosure requirements. Adoption of the New Schedule VI may impact the presentation of our financial statements for all subsequent Fiscals. RISKS IN RELATION TO THE BONDS: 34. There has been no prior public market for the Bonds and it may not develop in the future, and the price of the Bonds may be volatile. The Bonds have no established trading market and there can be no assurance that a public market for the Bonds would develop or be sustained. Further, the proposed changes to the Indian income tax regime by introduction of the draft Direct Tax Code (DTC) may result in extinguishment of benefits available under section 10(15)(iv)(h) of the Income Tax Act. This may result in no further issuance of the Bonds after DTC is approved by the GoI. Although an application has been made to list the Bonds on the NSE and the BSE, there can be no assurance that an active public market for the Bonds will develop, and if such a market were to develop, there is no obligation on us to maintain such a market. The liquidity and market prices of the Bonds can be expected to vary with changes in market and economic conditions, our financial condition and prospects and other factors that generally influence market price of Bonds. Such fluctuations may significantly affect the liquidity and market price of the Bonds, which may trade at a discount to the price at which you purchase the Bonds. 35. The Bonds are classified as tax free bonds eligible for tax exemption under Section 10(15)(iv)(h) of the Income Tax Act, up to an amount of interest on such bonds. The Bonds are classified as tax free bonds issued in terms of Section 10(15)(iv)(h) of the Income Tax Act and the notification dated September 23, 2011 issued by the CBDT. In accordance with the said section, the amount of interest on such bonds shall be entitled to exemption under the provisions of Income Tax Act. Therefore only the amount of interest on bonds is exempt and the amount of investment will not be considered for any deduction/ exemption under the Income Tax Act. For further details, see the section titled Statement of Tax Benefits on page 42 of the Shelf Prospectus. 36. There is no guarantee that the Bonds issued pursuant to this Issue will be listed on the NSE and the BSE in a timely manner, or at all. In accordance with Indian law and practice, permissions for listing and trading of the Bonds issued pursuant to this Issue will not be granted until after the Bonds have been issued and allotted. Approval for listing and trading will require all relevant documents authorising the issuing of Bonds to be submitted. There could be a failure or delay in listing the Bonds on the NSE and the BSE. 37. You may not be able to recover, on a timely basis or at all, the full value of the outstanding amounts and/or the interest accrued thereon in connection with the Bonds. Our ability to pay interest accrued on the Bonds and/or the principal amount outstanding from time to time in connection therewith would be subject to various factors, including, inter-alia our financial condition, profitability and the general economic conditions in India and in the global financial markets. We cannot assure you that we would be able to repay the principal amount outstanding from time to time on the Bonds and/or the interest accrued thereon in a timely manner, or at all. Although our Company will create appropriate security in favour of the Debenture Trustee for the holders of the Bonds on the assets adequate to ensure 100% asset cover for the Bonds, the realizable value of the secured assets, when liquidated, may be lower than the outstanding principal and/or interest accrued thereon in connection with the Bonds. A failure or delay to recover the expected value from a sale or disposition of the secured assets could expose you to a potential loss. 38. Any downgrading in credit rating of our Bonds may affect the trading price of the Bonds. The Bonds proposed to be issued under this Issue have been rated by CARE and Fitch. CARE has assigned a rating of CARE AA+ to the Bonds vide letter dated December 30, 2011. Instruments with this rating are considered to have high degree of safety regarding timely servicing of financial obligations. Such instruments carry very low credit risk. Fitch has assigned a rating of Fitch AA+ (ind) to the Bonds vide letter dated December 29, 2011. We cannot guarantee that this rating will not be downgraded. The ratings provided by CARE and Fitch may be suspended, withdrawn or revised at any time. Any revision or downgrading in the above credit rating may lower the value of the Bonds and may also affect our Companys ability to raise further debt. 39. Changes in interest rates may affect the prices of the Bonds. All securities where a fixed rate of interest is offered, such as the Bonds, are subject to price risk. The price of such securities will vary inversely with changes in prevailing interest rates, i.e. when interest rates rise, prices of fixed income securities fall and when interest rates drop, the prices increase. The extent of fall or rise in the prices is a function of the existing coupon, days to maturity and the increase or decrease in the level of prevailing interest rates. Increased rates of interest, which frequently accompany inflation and/or a growing economy, are likely to have a negative effect on the price of the Bonds. 40. A debenture redemption reserve will be created, only up to an extent of 50% for the Bonds and in the event of default in excess of such reserve, Bondholders may find it difficult to enforce their interests. The Department of Company Affairs has specified, through circular No.9/2002 No.6/3/2001-CL.V dated April 18, 2002 that in furtherance of section 117C of the Companies Act, a Public Financial Institution shall create a debenture redemption reserve to the extent of 50% of the value of the debentures issued through public issue. Therefore, we will maintain a debenture redemption reserve only to the extent of 50% of the Bonds issued and the Bondholders may find it difficult to enforce their interests in the event of or to the extent of a default in excess of such reserve. 41. Payments made on the Bonds will be subordinated to certain tax and other liabilities preferred by law. The Bonds will be subordinated to certain liabilities preferred by law such as to claims of the GoI on account of taxes, and certain liabilities incurred in the ordinary course of our transactions. In particular, in the event of bankruptcy, liquidation or winding-up, our assets will be available to pay obligations on the Bonds only after all of those liabilities that rank senior to these Bonds have been paid. In the event of bankruptcy, liquidation or winding-up, there may not be sufficient assets remaining, after paying amounts relating to these proceedings, to pay amounts due on the Bonds. Further, there is no restriction on the amount of debt securities that we may issue that may rank above the Bonds. The issue of any such debt securities may reduce the amount recoverable by investors in the Bonds on our bankruptcy, winding-up or liquidation. EXTERNAL RISKS: 42. A slowdown in economic growth in India could cause our business to be adversely affected. We are incorporated in India, and substantially all of our assets and employees are located in India. As a result, we are highly dependent on prevailing economic conditions in India and our results of operations are significantly affected by factors influencing the Indian economy. Any slowdown in economic growth in India could adversely affect us, including our ability to grow our asset portfolio, the quality of our assets, and our ability to implement our strategy. In recent years, India has been one of the fastest growing major economies in the world, recording a GDP growth rate at factor cost of 8% in Fiscal 2010 and 8.6% during the Fiscal 2011. The current challenges for the economy are high oil and other commodity prices and inflation, which followed by RBIs anti-inflationary monetary stance, have the potential to moderate growth. A slowdown in the rate of growth in the Indian economy could result in lower demand for credit and other financial products and services and higher defaults. Any slowdown in the growth or negative growth of sectors where we have a relatively higher exposure could adversely impact our performance. Any such slowdown could adversely affect our business, prospects, results of operations and financial condition. 43. Increased volatility or inflation of commodity prices in India could adversely affect our Companys business. In recent months, consumer and wholesale prices in India have exhibited marked inflationary trends, with particular increases in the prices of food and crude oil. Inflation measured by the Wholesale Price Index decreased from 10.4% at March 31, 2010 to 9.7% at March 31, 2011. Any increased volatility or rate of inflation of global commodity prices, in particular oil metals and metal products prices, could adversely affect our Companys borrowers and contractual counterparties. This may lead to slowdown in the growth of the infrastructure and related sectors could adversely impact our Companys business, results of operations and financial condition. 44. Political instability or changes in the GoI could adversely affect economic conditions in India and consequently, our business. The GoI has traditionally exercised and continues to exercise a significant influence over many aspects of the economy. Since 1991, successive governments have pursued policies of economic and financial sector liberalisation and deregulation and encouraged infrastructure projects. A significant change in the GoIs policies in the future, particularly in respect of financing of housing and urban infrastructure sector, could affect business and economic conditions in India. This could also adversely affect our business, prospects, results of operations and financial condition. 45. Natural calamities could have a negative impact on the Indian economy and could cause our business to be adversely affected. India has experienced natural calamities such as earthquakes, floods and drought in the recent past. The extent and severity of these natural disasters determine their impact on the Indian economy. These along with prolonged spells of below normal rainfall in the country or other natural calamities could have a negative impact on the Indian economy, thereby affecting our business. 46. Difficulties faced by other banks, financial institutions or the Indian financial
7

HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED

IN THE NATURE OF FORM 2A - ABRIDGED PROSPECTUS CONTAINING SALIENT FEATURES OF THE PROSPECTUS sector generally could cause our business to be adversely affected. We are exposed to the risks of the Indian financial sector which in turn may be affected by financial difficulties and other problems faced by Indian financial institutions. Certain Indian financial institutions have experienced difficulties during recent years particularly in managing risks associated with their portfolios and matching the duration of their assets and liabilities, and some co-operative banks have also faced serious financial and liquidity crises. Any major difficulty or instability experienced by the Indian financial sector could create adverse market perception, which in turn could adversely affect our business, prospects, results of operations and financial condition. 47. The proposed new Indian taxation system could adversely affect our Companys business and the price of the Bonds. In its Union Budget for Fiscal 2010, the GoI proposed two major reforms in Indian tax laws, namely the goods and services tax and the direct taxes code, which were proposed to be effective starting April 1, 2011 and April 1, 2012, respectively. Subsequently, in the Union Budget for Fiscal 2011, the effective date for the goods and services tax has been deferred by one year. The goods and services tax GENERAL INFORMATION Our Company was incorporated as Housing and Urban Development Finance Corporation Private Limited on April 25, 1970 as a private limited company under the Companies Act and was granted a certificate of incorporation by the then Registrar of Companies, Delhi. Subsequently the name of our Company was changed to its present name and a fresh certificate of incorporation dated July 9, 1974 was issued by the then Registrar of Companies, Delhi and Haryana. For further details, see the section titled History and Certain Corporate Matters on page 64 of the Shelf Prospectus. Our Company was notified as a public financial institution under Section 4A of the Companies Act, on December 9, 1996. The President of India holds 100% of the paid up equity share capital of our Company, either directly or through nominee shareholders. Registered and Corporate Office: HUDCO Bhawan, Core- 7A, India Habitat Centre, Lodhi Road, New Delhi - 110003, Telephone: +91 11 2464 9610, Facsimile: +91 11 2464 8179, Website: www.hudco.org Registration Details; Registration/Identification number; Company registration number 005276, CIN U74899DL1970GOI005276, NHB registration number classifying Company as housing finance company 01.0016.01; Address of the Registrar of Companies: The Registrar of Companies, National Capital Territory of Delhi and Haryana, 4th Floor, IFCI Tower, 61, Nehru Place, New Delhi 110 019, India, Telephone: +91 11 2623 5704, Facsimile: +91 11 2623 5702 Credit Rating and Rationale: CARE has assigned a rating of CARE AA+ to the Bonds vide letter dated December 30, 2011. Instruments with this rating are considered to have high degree of safety regarding timely servicing of financial obligations. Such instruments carry very low credit risk. Fitch has assigned a rating of Fitch AA+ (ind) to the Bonds vide letter dated December 29, 2011. For details in relation to the rationale for the credit rating, please refer to the Annexure B to the Shelf Prospectus. Expert Opinion: Except the letters dated December 30, 2011 and December 29, 2011 issued by CARE and Fitch, respectively, in respect of the credit rating for the Bonds, and the report on Limited Review Financial Statements dated November 4, 2011, Reformatted Audited Financial Statements dated January 10, 2012 and statement of tax benefits dated January 10, 2012 issued by the Auditor, our Company has not obtained any expert opinions. Minimum Subscription: Under the SEBI Debt Regulations, our Company is required to stipulate a minimum subscription amount which it seeks to raise. The consequence of minimum subscription amount not being raised is that the Issue shall not proceed and the application moneys received are refunded to the Applicants. Our Company has decided to set no minimum subscription for the Issue. ISSUE PROGRAMME* ISSUE OPENS ON : January 27, 2012 ISSUE CLOSES ON: February 6, 2012 * The subscription list for the Issue shall remain open for subscription at the commencement of banking hours and close at the close of banking hours, with an option for early closure (subject to the Issue being open for a minimum of 3 days) or extension by such period, upto a period of 30 days from the date of opening of the Issue, as may be decided by the Board of Directors or a duly constituted committee thereof. In the event of such early closure of the subscription list of the Issue, our company shall ensure that public notice of such early closure is published on or before the day of such early date of closure through advertisement/s in at least one leading national daily newspaper. Further, Allotment shall be on a first come first serve basis with our Company having the discretion to close the Issue early irrespective of whether any of the portions are fully subscribed. CAPITAL STRUCTURE Details of equity share capital Aggregate value (` in crores) Authorised share capital 25,000,000 equity shares of ` 1000 each (Equity Shares) 2,500.00 Issued, subscribed and paid up Equity Share capital 20,019,000 Equity Shares 2,001.90 Securities premium account NIL For further details, please refer page 36 of the Shelf Prospectus. OBJECTS OF THE ISSUE Issue Proceeds : The Central Board of Direct Taxes has, by a notification (bearing No. 52/2011. F. No. 178/ 56/2011 - (ITA.1)) dated September 23, 2011, authorised our Company to raise the Bonds aggregating to ` 5,000 crores, out of which our Company has already raised an amount of ` 315.28 crores on a private placement basis through information memorandums dated September 28, 2011, October 12, 2011 and November 3, 2011. The funds proposed to be raised through the Issue shall be utilized towards lending purposes, augmenting the resource base of our Company and other operational requirements. The main objects clause of the Memorandum of Association permits our Company to undertake its existing activities as well as the activities for which the funds are being raised through the Issue. Further, in accordance with the SEBI Debt Regulations, our Company is required to not utilize the proceeds of the Issue for providing loans to or acquisition of shares of any person who is a part of the same group as our Company or who is under the same management as our Company or any subsidiary of our Company. Our Company does not have any subsidiary. Further, our Company is a public sector enterprise and as such, there are no identifiable group companies or companies under the same management. The Issue proceeds shall not be utilized towards full or part consideration for the purchase or any other acquisition, among other things, by way of a lease, of any property. Issue expenses : A portion of the Issue proceeds will be used to meet Issue expenses. The following are the estimated Issue expenses: Particulars; Amount (` in Crore); As Percentage of Issue proceeds* (in %); As Percentage of total expenses of the Issue (in %) : Fees payable to Intermediaries, Registrar to the Issue 0.30, 0.01, 1.11; Debenture Trustee 0.03, 0.00, 0.09; Advertising and marketing 0.70, 0.01, 2.60; Lead Managers fees, Selling and Brokerage commission 23.51, 0.50, 87.35; Printing and distribution 0.70, 0.01, 2.60; Other Miscellaneous Expenses 1.68, 0.04, 6.24; Total 26.92, 0.57, 100.00. *Estimated Issue Expenses have been calculated considering the Shelf Limit. Interim use of Proceeds : The Board of Directors, in accordance with the policies formulated by them from time to time, will have flexibility in deploying the proceeds received from the Issue. Pending utilization of the proceeds out of the Issue for the purposes described above, our Company intends to temporarily invest funds in deposits with banks or as may be approved by the Board. Such investment would be in accordance with the Board approved guidelines prepared on the basis of directions received from DPE. Monitoring of Utilization of Funds : There is no requirement for appointment of a monitoring agency in terms of the SEBI Debt Regulations. The Board of Directors of our Company shall monitor the utilisation of the proceeds of the Issue. Our Company will disclose in our Companys financial statements for the relevant financial year commencing from Fiscal 2012, the utilization of the proceeds of the Issue under a separate head along with details, if any, in relation to all such proceeds of the Issue that have not been utilized thereby also indicating investments, if any, of such unutilized proceeds of the Issue. Further, in accordance with the Debt Listing Agreement, our Company will furnish to the stock exchange on a half yearly basis, a statement indicating material deviations, if any, in the use of Issue proceeds and shall also publish the same in newspapers simultaneously with the half-yearly financial results. We shall utilize the proceeds of the Issue only upon execution of the documents for creation of security as stated in the Prospectus Tranche- I in the section titled Terms of the Issue on page 28 of the Shelf Prospectus and upon the listing of the Bonds. STATEMENT OF TAX BENEFITS : For details, please refer page 42 of the Shelf Prospectus. INDUSTRY OVERVIEW : For details, please refer page 45 of the Shelf Prospectus. OUR BUSINESS : For details, please refer page 49 of the Shelf Prospectus. REGULATIONS AND POLICIES : For details, please refer page 61 of the Shelf Prospectus. HISTORY AND CERTAIN CORPORATE MATTERS : Our Company Was Incorporated As Housing And Urban Development Finance Corporation Private Limited On April 25, 1970 As A Private Limited Company Under The Companies Act And Was Granted A Certificate Of Incorporation By The Then Registrar Of Companies, Delhi. Subsequently The Name Of Our Company Was Changed To Its Present Name And A Fresh Certificate Of Incorporation Dated July 9, 1974 Was Issued By The Then Registrar Of Companies, Delhi And Haryana. The Corporate Identification Number Of Our Company is U74899DL1970GOI005276. Our Company Was Notified As A Public Financial Institution Under Section 4a Of The Companies Act, On December 9, 1996. For details in relation to our business activities and investments, see the section titled Our Business on page 49 of the Shelf Prospectus. For further details, please refer page 64 of the Shelf Prospectus. OUR MANAGEMENT : Board of Directors: For details, regarding Board of Directors of the Company, please refer to page no. 68 of the Shelf Prospectus. STOCK MARKET DATA FOR OUR SECURITIES : For details, please refer page 76 of the Shelf Prospectus. FINANCIAL INDEBTEDNESS : For details, please refer page 77 of the Shelf Prospectus. OUTSTANDING LITIGATION AND MATERIAL DEVELOPMENTS : For details, please refer page 89 of the Shelf Prospectus. OTHER REGULATORY AND STATUTORY DISCLOSURES Eligibility to make the Issue : Our Company, the persons in control of our Company or the promoter have not been restrained, prohibited or debarred by SEBI from accessing the securities market or dealing in
8

would replace the indirect taxes on goods and services such as central excise duty, service tax, customs duty, central sales tax, surcharge and cess currently being collected by the GoI and state governments. The direct taxes code was introduced in Parliament in August 2010. It aims to reduce distortions in tax structure, introduce moderate levels of taxation and expand the tax base. The code also aims to provide greater tax clarity and stability to investors who invest in Indian projects and companies. It seems to consolidate and amend laws relating to all direct taxes like income tax, dividend distribution tax, fringe benefit tax and wealth tax and facilitate voluntary compliance. As the taxation system is going to undergo significant overhaul, its long-term effects on our Company are unclear as of the date of the Shelf Prospectus and there can be no assurance that such effects would not adversely affect our Companys business and future financial performance. 48. Any downgrading of Indias debt rating by an international rating agency could have a negative impact on our business. Any adverse revisions to Indias credit ratings for domestic and international debt by international rating agencies may adversely impact our ability to raise additional securities and no such order or direction is in force. Consents : Consents in writing of the Directors, the Compliance Officer, the Statutory Auditors, Bankers to the Company, Escrow Collection Banks/ Bankers to the Issue, Lead Managers, Consortium Members, the Registrar to the Issue, Legal Counsel to the Company, Credit Rating Agencies and the Debenture Trustee for the Bondholders, to act in their respective capacities, have been obtained and shall be filed along with a copy of the Prospectus Tranche- I with the RoC. Our Company has appointed SBICAP Trustee Company Limited as Debenture Trustee under regulation 4(4) of the SEBI Debt Regulations. The Debenture Trustee has given its consent to our Company for its appointment. Expert Opinion : Except the letters dated December 30, 2011 and December 29, 2011 issued by CARE and Fitch, respectively, in respect of the credit rating for the Bonds, and the report on Limited Review Financial Statements dated November 4, 2011, Reformatted Audited Financial Statements dated January 10, 2012 and statement of tax benefits dated January 10, 2012 issued by the Auditor, our Company has not obtained any expert opinions. Common Form of Transfer : There shall be a common form of transfer for the Bonds held in physical form and relevant provisions of the Companies Act and all other applicable laws shall be duly complied with in respect of all transfer of the Bonds and registration thereof. Minimum Subscription : Under the SEBI Debt Regulations, our Company is required to stipulate a minimum subscription amount which it seeks to raise. The consequence of minimum subscription amount not being raised is that the Issue shall not proceed and the application moneys received are refunded to the Applicants. Our Company has decided to set no minimum subscription for the issue. No Reservation or Discount : There is no reservation in this Issue nor will any discount be offered in this Issue, to any category of investors. Previous Public Issues by our Company during last five years : Our Company has not made any public issue during the last five years. Commission or Brokerage on Previous Public Issues : Our Company has not made any public issue during the last five years. Change in auditors of our Company during the last three years : For the Fiscal 2009, S.N. Dhawan & Co. were the statutory auditors of our Company. In Fiscal 2010 and 2011, our Board, as approved by the Office of Comptroller and Auditor General of India, appointed Agiwal & Associates as our statutory Auditors. Revaluation of assets : Our Company has not revalued its assets in the last five years. Utilisation of Proceeds : The funds proposed to be raised through the Issue shall be utilized towards lending purposes, augmenting the resource base of our Company and other operational requirements. For more information pertaining to utilisation of proceeds, see the section titled Objects of the Issue on page 17 of the Shelf Prospectus. Statement by the Board of Directors: (i) All monies received out of this Issue of the Bonds to the public shall be transferred to a separate bank account other than the bank account referred to in sub-section (3) of section 73 of the Companies Act; (ii) Details of all monies utilised out of this Issue referred to in sub-item (i) shall be disclosed under an appropriate separate head in our Balance Sheet indicating the purpose for which such monies were utilised; and (iii) Details of all unutilised monies out of this Issue referred to in sub-item (i), if any, shall be disclosed under an appropriate separate head in our Balance Sheet indicating the form in which such unutilised monies have been invested. The funds raised by us from previous bonds issues have been utilised for our business as stated in the respective offer documents. Disclaimer clause of NSE : As required, a copy of this Offer Document has been submitted to National Stock Exchange of India Limited (hereinafter referred to as NSE). NSE has given vide its letter ref.: NSE/LIST/ 157311-K dated January 20, 2012 permission to the Issuer to use NSEs name in this offer document as one of the stock exchanges on which the Issuers securities are proposed to be listed. The NSE has scrutinised the Draft Shelf Propsectus for its limited internal purpose of deciding on the matter of granting the aforesaid permission to the Issuer. It is to be distinctly understood that the aforesaid permission given by NSE should not in any way be deemed or construed that the offer document has been cleared or approved by NSE; nor does it in any manner warrant, certify or endorse the correctness or completeness of any of the contents of this offer document; nor does it warrant that the Issuers securities will be listed or will continue to be listed on the NSE; nor does it take any responsibility for the financial or other soundness of the Issuer, its promoters, its management or any scheme or project of the Issuer. Every person who desires to apply for or otherwise acquire any securities of the Issuer may do so pursuant to independent inquiry, investigation and analysis and shall not have any claim against the NSE 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 any other reason whatsoever. Disclaimer clause of BSE : BSE Limited (The Exchange) has given vide its letter dated January 20, 2012, permission to the Company to use the Exchanges name in this offer document as one of the stock exchanges on which the Companys securities are proposed to be listed. The Exchange has scrutinised the Draft Shelf Prospectus for its limited internal purpose of deciding on the matter of granting the aforesaid permission to the 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 the 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 the Company, its promoters, its management or any scheme or project of the 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 the Company may do so pursuant to independent inquiry, investigation 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. Listing : The Bonds will be listed on the NSE and the BSE. NSE and BSE have given their in-principle listing approvals through letters dated January 20, 2012. If the permission to list and trade the Bonds has not been granted by the BSE or the NSE, our Company shall forthwith repay, without interest, all such moneys received from the Applicant in pursuance of the Prospectus Tranche- I. If any such money is not repaid within eight days after our Company becomes liable to repay it, our Company and every Director who is an officer in default shall, on and from the expiry of the eighth day, be jointly and severally liable to repay that money with interest at 15% per annum, as prescribed under section 73 of the Companies Act. Our Company shall use best efforts to ensure that all steps for the completion of the necessary formalities for listing at the NSE and the BSE will be taken within fifteen Working Days from the date of Allotment. Dividend : For details of dividends paid by our Company for the financial years ended March 31, 2007, 2008, 2009 and 2011 and the six months ended September 30, 2011, see the section titled Annexure A- Financial Statements on page 135 of the Shelf Prospectus. Mechanism for redressal of investor grievances : Karvy Computershare Private Limited has been appointed as the Registrar to the Issue to ensure that investor grievances are handled expeditiously and satisfactorily and to effectively deal with investor complaints. All grievances relating to the Issue should be addressed to the Registrar to the Issue and the Compliance Officer giving full details of the Applicant, number of Bonds applied for, amount paid on application and Bankers to the Issue/ designated collection centre/ agent to which the application was submitted. FINANCIAL STATEMENTS Statement of Assets & Liabilities (` in crore) As at 31st As at 31st As at 31st As at 31st As at 31st SCHEMarch, March, March, March, March, DULE 2011 2010 2009 2008 2007 I. SOURCES OF FUNDS (1) Shareholders Funds (a) Share Capital A 2,001.90 2,001.90 2,001.90 2,001.90 2,001.90 (b) Reserves and Surplus B 3,519.07 3,095.19 2,665.96 2,188.79 1,911.60 5,520.97 5,097.09 4,667.86 4,190.69 3,913.50 (2) Loan Funds Secured Loans C 179.09 189.53 199.19 208.35 217.04 Unsecured Loans D 15,599.57 15,330.95 19,050.13 18,694.63 20,165.56 15,778.66 15,520.48 19,249.32 18,902.98 20,382.60 (3) Deferred Tax Liabilities (Net) 281.85 237.36 234.40 163.33 205.91 21,581.48 20,854.93 24,151.58 23,257.00 24,502.01 II. APPLICATIONS OF FUNDS (1) Fixed Assets Gross Block 158.78 142.51 141.86 133.78 132.22

financing, and the interest rates and other commercial terms at which such additional financing may be available. This could have an adverse effect on our business and future financial performance, our ability to obtain financing for capital expenditures and the trading price of the Bonds. 49. The market value of your investment may fluctuate due to the volatility of the Indian securities market. Indian stock exchanges (including the NSE and the BSE) have experienced temporary exchange closures, broker defaults, settlement delays and strikes by brokers. If such or similar problems were to re-occur, this may have effect on the market price and liquidity of the securities of Indian companies, including the Bonds. In addition, the governing bodies of Indian stock exchanges have from time to time imposed restrictions on trading in certain securities, limitations on price movements and margin requirements. In the past, disputes have occurred between listed companies, stock exchanges and other regulatory bodies, which in some cases have had a negative effect on market sentiment. Less: Depreciation Net Block Capital Work in Progress (2) Investments (3) Loans (4) Net Current Assets Current Assets, Other Loans & Advances - (A) (a) Sundry Debtors (b) Cash and Bank Balances (c) Other Current Assets (d) Other Loans and Advances Less: Current Liabilities & Provisions - (B) Current Liabilities and Provisions (a) Current Liabilities (b) Provisions Net Current Assets (A)-(B) (5) Miscellaneous Expenditure (to the extent not written off or adjusted) Ancillary cost on raising of Bonds, Public Deposits and Term Loans Significant Accounting Policies Notes to Accounts Statement of Profits S T Year ended Year ended Year ended Year ended Year ended SCHE- 31st March, 31st March, 31st March, 31st March, 31st March, DULE 2011 2010 2009 2008 2007 INCOME Operating Income Other Income Total EXPENDITURE Interest and other charges Personnel expenses Administrative and other expenses Depreciation Provision on loans ( Refer Note No. 4(b) ) Provision on debtors /recoverables and other loans & advances Provision on Investment Total Profit before tax Prior period adjustments (net) Deferred Tax Liability for prior years transferred to General Reserve Provision for taxation - Current Tax I Wealth Tax - Deferred Tax - Current year - Fringe Benefit Tax Adjustment of tax for earlier years (Net) Profit after tax Add: Transferred from Special Reserve Add: Transferred from Bonds Redemption Reserve Add: Transferred from Welfare Reserve Less: Transferred to Welfare Reserve N 2,276.20 2,509.94 2,708.40 2,606.30 2,445.40 2.39 18.41 4.78 3.60 2.05 2,278.59 2,528.35 2,713.18 2,609.90 2,447.45 1,273.06 1,412.47 1,902.45 1,725.61 1,793.78 114.45 92.48 75.75 85.67 51.68 29.25 23.12 24.13 21.03 22.74 11.41 27.80 1.43 4.52 210.67 0.14 4.67 (65.35) 0.15 5.29 213.58 0.11 4.74 104.67 0.39 E F G 84.57 73.62 69.89 66.12 62.18 74.21 68.89 71.97 67.66 70.04 11.81 9.58 9.07 8.72 6.95 86.02 78.47 81.04 76.38 76.99 1,298.98 1,523.99 2,043.19 2,062.56 2,450.50 19,988.77 19,026.73 21,426.97 21,072.94 21,065.30

H I J K

16.57 716.20 230.28 332.00 1,295.05

12.15 21.82 755.87 1,052.39 190.80 269.13 342.39 340.14 1,301.21 1,683.48

8.76 1.01 746.70 1,607.25 287.24 333.81 274.38 271.09 1,317.08 2,213.16

L M

844.30 916.34 243.04 159.13 1,087.34 1,075.47 207.71 225.74 21,581.48 20,854.93

940.03 1,128.19 1,277.53 163.46 171.78 61.67 1,103.49 1,299.97 1,339.20 579.99 17.11 873.96 24,131.19 23,228.99 24,466.75

20.39

28.01

35.26

21,581.48 20,854.93

20.39 28.01 35.26 24,151.58 23,257.00 24,502.01

O P Q

0.16 0.22 2.51 1,457.40 1,743.40 1,941.96 2,051.51 1,980.51 821.19 784.95 771.22 558.39 466.94 0.29 0.87 6.25 (0.29) (1.67) - (120.96) -

(224.15) (44.49) (2.81) 550.03 3.59 546.44 130.00

(269.15) (186.25) (217.30) (120.00) (2.97) (71.07) 33.54 (34.28) - (0.85) (0.85) (0.90) (18.39) 2.65 0.24 (1.71 ) 495.31 2.36 497.67 125.47 400.99 0.28 400.71 125.47 373.73 122.12 2.35 498.20 125.47 308.38 21.87 0.38 4.24 334.87 92.12

Add: Balance brought forward from previous year Profit available for appropriation 676.44 623.14 526.18 623.67 426.99 Significant Accounting Policies S Notes to Accounts T For further details & complete set of Financials Statements, please refer to Annexure A of the Shelf Prospectus. MATERIAL CONTRACTS AND DOCUMENTS FOR INSPECTION: The following contracts (not being contracts entered into in the ordinary course of business carried on by our Company or entered into more than two years before the date of the Shelf Prospectus) which are or may be deemed material have been entered or are to be entered into by our Company. These contracts and also the documents for inspection referred to hereunder, may be inspected on Working Days at the Registered and Corporate Office of our Company situated at HUDCO Bhawan, Core- 7A, India Habitat Centre, Lodhi Road, New Delhi 110003, India, from 10.00 a.m. and 12.00 noon on any working day (Monday to Friday) during which issue is open for public subscription under the respective tranche prospectus(es). DECLARATION : We, the undersigned, hereby declare that all the relevant provisions of the Companies Act, 1956, the guidelines issued by the Government of India and the regulations and 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, including the Securities and Exchange Board of India (Issue and Listing of Debt Securities) Regulations, 2008, have been complied with and no statement made in this Prospectus Tranche- I is contrary to the provisions of the Companies Act, 1956, the Securities and Exchange Board of India Act, 1992 or rules and regulations made thereunder, as the case may be. We further certify that all the statements in this Prospectus Tranche- I are true and correct and do not omit disclosure of any material fact which may make the statements made therein, in light of circumstances under which they were made, misleading and that this Prospectus Tranche- I does not contain any misstatements. Signed by the Board of Directors of the Company Veerappa Parameshwarappa Baligar Chairman and Managing Director Aruna Sundararajan Director Sudha Krishnan Director Dr. Radha Binod Barman Director Nassereddin Munjee Director Nirmala Samant Prabhavalkar Director Dinesh Bhikhubhai Mehta Director Place : New Delhi Date : January 23, 2012 FOR FURTHER DETAILS, PLEASE REFER TO THE PROSPECTUS

HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED