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Name of investor and addrcss:Sl. \o. I
Drsct.ost t{tl l)(x'ti}ll'-N l'
MANAPPUBAM
\['l] nrct l) '\tutlLtt)l)ttfttnt (;tnrtttl l inLtnLr ttnLl l'curing l'initcrl )
i(l.nrillcarion nLrrlrber L65elirKt-l\)""i-t;;;;t' unr'ler: thc ( ompanlts '\ct l9j6 as amended and
registcr.d as a non-bankirg llnontittf t"n''p"'tl ClNllFC") \ilhin thc meaninlr olthc RescNe Bank ol
lndia Acl. 1914. as amcDded'
llcgistcrcd Ollicc: l\"170 \ (Ol(l) \\'1'lll(\'\ ) '\llnrllPLrr'rnr lloLtsc' \/rrlrrleJ"lh|is'Lrr'6S0 i61
Kcrrla. lrrtlirrirct: t,qt lgll:o: ot08: la\:1'91 '187)ll() t)l9li
tl,nrptian"c tltncert \lanoj Ktrnral V R ('orlrpnrl\ Sccrc!ar\
I.i-mail: eosecrelerl tl nlaiaf puratll'conl
Cotltrct l'erson: BindhLr Al- Chief I:irranciirl ollrccr
\\'chsitc: \!\\ \\.nlinal)Puranl'colll
I'J,|:Ji?|?:,lill;l' l,i::Ii'';:i;;i^,'*i,.^, tTNANCIT t rMrur) t'couPA\\" or{,,ia.
"tssuER") For Manappuram Financs Limited
'?4^jy l
/ Aihoiiled signatoty
l)ls('t.ost Rll l)o(-ti\tl-\l ls PEI{ s( ll[.])t I.l'- I Of \l]( L l{l l ll:s ',\\D [-\clt.\\(;l'
RoARD or INI)lA (tssLE ann r-rsrixi; iin: "tu'
sECLRIl ll:s)-RE(;uLATIoNS' 2008 AS
AMrNDED rRoM 'rlME Io ri;;; -inii
t*'uott l'l'AcEMEN'r ot'FER curl
APPLICATIoN LEl-rER AS vurr''ionlr r),rs 'l (PURSIIANT---Io SECTION 12 oF
CoNIPANIES Acr, 2013 'tuu nuili lliuil rHltll: tiNDllR !'oR lssuE ol' RA rllD'
sF.Cr.iRl,.l), REDEE\lrlll.E, r.rsLr'-ri riri'iltli \ !.ltl lRl'1. l)Ellll\ rL RUs ll'\\ l\(; ['\( l]
\',\l.tll ol ltt Pl.us 10.00'000/ t'tiltiii t i"''' l"\Kll ll'\( ll ) [()lt l\sL l. \lzl o] l{\' 25
cRollEs (ntrPElls 1\\ tlNl'\' n'n'i'i:nrirtrtt oNl'\') \\'lTtl AN-oPTIoN 1'o RETAI\
0\'ERSLrlls( lllPrloN Ot' lls -tzr clRiirlii tur I EIis l lttlrl[ [luNDRU'D AND TNENTY
!'r\E cnoRls oNr.\ ) A(;GRticAiiniii'iitttu::5]i::.qY:H:.,T.':,ll'l]I$X,l
tss|t :
l)isclo\!rt,to(onr.nt r-t)isck)\ure I)o(ulner
cnrres aglrrcgarrng r{) Its.tj0 cror.s. res') li)r cash at par wirh arr issue siTe ol lts l5crorc r!irh an oprion of Rs. 125
GI:NER I- IiISKS
Ii\rnnrrnr rn t.hl and dcbl rctaled \cctritic, (.. rr.\ ,., r, .r ,, r.ri,,
if!ol!' a dclrtc ol risk nfd rn\cnors shouLJ
;:i"l;;ir1;r111;':;):t::r,ll.ltl;1,,1*li*:,,lii:l.li,,*1l,*lt,it,.,xnISSI]EII'S AI}SOt-UTE Ii }:SPONS IB I I-ITY
.h,D.. \ h.(,,,,,,,',,,,,,"i..,":;,,,;:i i. l, ; . : ,,liillli;l..:,,f1,ii,,. ,,"n u,.",p,c*",rhcr",,inrirmilionorthec\nrcssionoraf)suchopiriunrorInrenr,.n\n,,!rradrn..ina,,,n**,",*]i'*1,"'"rholeoranrofsuch
CREDII IIA'TINC
lhe l)ebefturcs havc a ralins o1. ..CRiStt_ AA Sl.bl....
lhe ralir)! is nor a reconrnrcndar oi lo hLi\ r
il::i,".,","",,,.;;,,,,;;,: ,;,;liil; , ;,1,,, , :,.l,l,l:l:,::;11il.:l:,l,li;;:;:i:lil:,i,ili::l
ISSLf SC}IEDT]LE
t** op"rrg n t" f:: jL,"e:ri.r,. I ] r1"" Cr91s oqr" -lI, ,,,* :o_ _
1
l'jr\ lrr l)lr. tr, .lrrr. t,:ir I.!h,t,t!tr.!{tt\tn.1st,tt,thao,,,,,",,,,,,.,.,,,,,,,,,],')'";:l,|,]:';:"})l;r,,,,,'.",runcr0:(
th tt\ a s.htt t \'rirtit'. lttihN ttu hiDlits h,'urs ut ttril ,1.,r ,/utinx th! t).ri(xt eo\rrctt h\
I,ISTIN(;
llrr l).hr,,lLr.\ rr(,rn,1N.(t lr) h. lin.tt ,.r Ir.'Bst. or lhe.sk,cI u\rhange l
r' sh.l"'r' (]!hl taiIcl \c!trr.fl ol lh( l].rIhr\ slo(k t,\chrr!. liD]it.d
leBEntutE t.nlstilrt,nupp,'un, rir,,*., t_in,tr"a
ppuram l{ouse p O
(-.\I4t.l\,tffilt:l1l"i,r *,,"', n\ {,DA rru,rcc.hip Kan.,p,,,n\ rorc.l,imitrd) 3rd Floor.
Canapathy
251983s-836
\ dlapild ,680567
ph o.r{r,oso,ror
l39l/A l.Saihv Road.
(rr)1 rrjr .. ,r,,r \,,11\ rrrL,,r, (.,ir,,i,\ (l,inrbrnr! 6.1 0(16
rRi!hl) Prrd Roftt pr nc . t0t8 andlphonc: 9t .l:t .j9all9{r5.,|.l'.,,"':.^',,||,..rr,,,1,..\odil-l,lElh flour. \l rJl tntrer. B wrnr. NarirnrrlPoinr. Mumbar - i000t I l
t_ ld\ uhrthtelt /kDt ttncttt .t,$titttt th. il
ntctsrn,rn ro tssue
7hi\ \th.,l1tt. l\.t), t\t i)t,.,rhtrlitt \ ttt).\l.Blt t un / , t4 , ,t, ,r,^,,,., .^, ,,' ^.,,,,,,i,1,',,1,,i.,""
""' "'" "" "' ,,(ht \a, lt,iti.\ t ktutnti,,j\ :t)t)N
1\, tlL rLl)tt\ Nrttt utt to -\tn\tt th! k, ,, ,,,,,,,,.,,,'""'"'' ''"' " ''tttkttkt ih lttt o/ tn)\:tttr: urt ,l,rtt.n u.qtt. lk l)thrttl!rt: t.) hL, 1\snct b tlL ll\tcr
Capnalized tenrrs used bul nor delin(
Lrnless the conlexl olhersise indicatcs
Documenl.
DEFINITIoNS AND ABBRIiVIATIONS
hcreundcr shilll hn!. rhc nrcitrrrng n\Lr h'rd r1r rh'trr
nquirei. lhe lolro$rnr rerms 'hall hate lhe meanrnP
i r llr. l)!'lrc ltrr! lrrr'lgiv€n below in (his Disc
\l
"pprr"ln ri""*. r-i"'irtd hrling ic Registered o
Lpad.lhris\ur' Kcrrla 680 :61
ad\re! .lorfr ng 1r. illLiLle' (r1 th' rrtrnl)'r ol l'11
ll.Ll to hinr itr cl..lr.rri' L(l'trralcrrxli\'J) lorf\
fiie at 'ManaPPuram H
rii) ol ill{rrrn.fr l).b'r
l-rsu"r I comPanY i w€ / our
Compan)-/ Us
t-lAllotmenl lntimation
Mar
Val
lh.
alknent of the Debcntures Pr
Un
A,-,
D\
B(
,rss the cont,;rt othcr*ise rcq!'rci or rnrprrc\'r\llor ,^lldircnt r\Ll(nt'd
rni.l".
E-sg BoNo-EgP Ptatfot.
Crcdil R"t"g' Agcq,G)
o,,,.in"e
goardissuance of debl sccur
1'
ll
'ctronic book Provrder PraIIor
vate placement basis
LISIL l-imiled
Coupon l'a) nrenl Dalc
I ic datLi on $hieh Alloltrr'rn lor ln' r\\u' L\ I d!r
..';,".,r Lii.,l. '..1',.,1 n{tLr' r\(ttrhl! J!f(nr t'
LSh al par s irh an i.rur riTe oi Ii\' li ( rorc $ (h rrr o
h. in\c\lL^ trh(r rt . \1lnr1'\l T)'1.. r(ur"
I)eemed Dale ol AlLolmen(
ins
l
issued in denraterialized
tion ofRs. 325 crorc! ag
DebenNre l rustce
Debenlure Documenl
n"s.Lrrt"i F
l:
h, ry Cilalyst t_rustceshir Limitediurret tir. llre l)ct'enru[c tr'rutLr' rrr "" "'
lirrmerl\ lno$ a\ (il)A lruslte!lrip l'lnril'd)
"t Sccurit) Documents
b) thc D.bcnlur! Itusl" llr'cn]'fr'
c) lht l)iscl.5ur! l)()!urlc|r trfd
td) an) otlrer doeurrcrrl lhar LI ) be d'srg ale
DebcnluIc t!1sle'
lhr rrbtrrru.L rr!'r " h' " r'rrJ'l "' '''r "'ri"C,,r,p""l t"ul"g "*
tft" tcrrn\ ttnd condnnnrs lbr thc
t hJ O.p,,slluri"' 'rcr' lr)txr' xs tLrrt drd liorrllirrr'()
r'lirii,ril sccurlrl"' l).|'\ rnr\ I lfr r'd 1\\l)l )
l-i il.d (CI)Sl.)
as a debenlure docunr
:n rhe I)cbenlurc lrusl\
rL,.nc. ol lhe Dcb.nturcr
'i,rl r ir l l).n.silor\ \'ri
an,l rhcl
etennrre frusr oeea
Gpolirole. e.r
Oep".it.^'i*
DPDep,^rr,'n Pcnt.icat't
Est t rmire.l
lrrJ rJ':.rl'rr '{r ' " " '' "' "'' hlll 'r|Jrr 'l J
'\1, .':\''irl \.r ""r' ' ' 'JJ''r''I\l'"r
Designated Stock Exch'nge
i-:r't,r c.,I"-i,,s -
!\isions ol ihc lit'r!
!(o \t>-:\_-u
3
lndian Clearing Corporation Limired
rhe tncom+i-\ Aar%t ". ""*"d.d
:: -.lunc-:(l:0
22-.lune-102t)
tr,"rn,r,ona, sec*ir".lGnriri,rro"\,,nrir
,\L J_Ur... ,,- . onJ
ld(rern'rnir:or or (outd rrd,ondbtj bc i\pecredd marcrial ddrer,e chdng( rn,a) rh( abijl\ ol r
I l, rnic',on Documrnr.: or r U r 'eeatirr o. rhe ,
lDor'In(n,. u- rhc rig\r. u. "emedrc\ ot tl,
e lssuer. lo pertbnn its obligations underlidir) or cnforccabitil) otrhe Transa(ion
o cause an! mareriat adverse effed on or
benture ilotderls) Bcneucial Or!ner(s)
]RA..,.," n' tt n.kts .,uttltiot,. ot
rtltutdl t" th! opinion Ll.thc DlblnfircDehennre Hot.tci ht, tulte.
Not Applicabte
e person resiaent outsiae Inaia- *hols a c,.ttzenshall hale rhc same meaning as ascribed to su.h
i(nrx (iUldctire\ t f{lrI.d ofcrrrritnrr (i!id.li|.\ li)r i\\riincc oU ougn arr rt(Lt,uIh bouk rrL(tr.ulr.rrr tjued b\
Permancnr Accounr Nunbei
\ l, \ rnLJarurnJr dnd sr.hairr" .tantaL-rrmaris d
Narional Srock Exchangc ol lndia I_imired
Rl.\
tneoh le!\andbte oro nujoriry (5t%o) of the
finea ana disclosea r0 BSETinrircrt and
Rer
Ag
R-
I).1c
SKDC Consuhanrs r.imGA
t le ttegisrrar or iompanier.r"akrt",Reat rime Cross Scfite mo-n .,t.+;f ic ler hciliN provide,d by RBI
I the rteser\,e u nk oftndi
\eLrrririe. Jnd t\chdnge Borrd or jndia connnu under thc Sccurnie:i;; f.)ichan-!leBoard oftndia Acl. t992 (as amended f.rom time r tinre)
rhe securiries andlxchanga lloard of lndia
SEB
SIJtsI Regrlations
r.rrLrli{'irs. t(Xr8 rr(l I nen(J.{l
SEBI circular no. srter,.HolbDI lSrc-rR/-Fra I8/tr5Ausu\r I6. 20t8 dnd arncrded rronr rime ro lrm(
Issue & t_isrjrrg ol Debr S.curiries)
,r In,Jra o. a pa;;irnA,an;ricin "ndrm in rhe fFMA Recutarion\
securities on prtvare ptacernent b:rsis: nnd an) anrcndnl!nls therclo
lssue ol rared. lstea. securca. non<o-n"eniUfelorm on a privale ptacenreni basis
dated lanuary S,2Ot8 as arnended ori
\ANNt
ooL
sl,lll I llt,Ctrcular
4
securit]_ DocunlenN
Slock I:\chnrrSr'
Ilrc((in\rrrr!\ \c( tL. \.r
lhis Disclosurc l)ocu renr sh.tl1 b.
and lt is agreed beNecn lhe l)ebe
Disclosure l)ocufrtnr and the I).rhe provisions otlhis Disclosure Docu
\.(urill lo!! n.rrl ..r.r!J rrrlo
ir ol lhc t).h.rrltr,e lloLl.r
I ln r.J (ll\l )
l(r! I ,r rrr .!!lr \rr1LL, ii .t lh. ( L' rL
b. xrr.nilcd ti(nn lrnrc 1o I rI!
e$lc l)ebl Nl.ukcl
in coniurreltr r $i1h rh. l).bcrrlLrr. lr!n l)('!l rnrl I
lrusree and lhc lssucr lhat in casc ol an) incon
re l.rusl Deed. tlre prcvisiurs of the Debcnture TnFlthis
Deed,ihall pre!ail and ide
EFt:\ I'r to\s ANt) AB
IS( 1.{t\tIR......
lsst I.jtt I\f()tt\tt\st t.t t)t: L\ _S -..
(;tr\r]Rr\1,|\lo
OI]It M;\NACEMI
l t\AN( tA t, POS|
CI,ARAI ION BY ]'H
\r\t ttL r s \l{.lt
I) iBIivIt R8S..........._....
\ t.\t ttL ll t.t\r\(:\t,txuttE Ill RA ItN T]XUIIE IV CONSE
NI]XLR[ V SUM
\t\lRl \ I t,\tt I
fABL!- OI CONI hN tS
It[\ I\' ()\S.
()N
N Of T U COIIIPANY.
)l.t)t \(; t,,\ I t..R\ \S O:! \t.], I t.t \t t|ltR J{t. 20 t9
AL }OSII ION O} IIIL CO}IPA\} }'OR I IIT, I, I I I UAt.ls
t,uTt utt AND RAI.lONA t,lj .........................
l.lll-IlR FROM 1 I t R[]STt-]-
ItY ()t .tRll ()f tssl 1t\( t: ()t s|( tR ) N. (]O:!}'ERI IBI-8. RED}]EM,\tsLE
L \RS ()F . f\tsI]\(; t:\( t \tBlt N(-t.s ND SI.tCURll Y t)E-t A tt,s.
Ihis docunrcfl i! f. llrcr r "Pr(,spoci
accorrlance $ilh rhc Sl lll Rcgulalurs.
(,ti\til{\t. t)t\( l,\lNt I.]t
otherwise acquir! lhc Dcbentures lo b
$ho il is delivcred and il should lormad. in this docunrenl are gencrall) a
is ro faciliratc in!enors ro talie an in
Aparr iion rhe I)isclosure [)ocLrnre|l-
prcspccrus i| rela(ion to rhc lssucr or
document required lo bc rcgistercd und
This Disclosurc l)orurrc|r is issu.d
on the Conrpan) lo potenlial inveslors
and does nol purpon kr conlain all
sunrnrariz$ lhc Ptuvision\ ol rn)sh.uld h. r.lir.d 11, lirr lh. llll .i1isuppllcd in corrn.cl on \ilh lh. l).bcrlris Disclosurc Doclrnrcnl 5hould nol
i !estor contcrrrplaring lhc purcha!c
condition and atlairs ol lhe lssuer.
consulr lhclr o$ n legal. resulal(N. tax
consideratior\ arising lionl an in!cln!cnnrcrrl rnd thc 'u lahilirt o1 \uch i
lhis Disclo\ur. I)ocrinrcrll shrll nor
lo dctennine. investigale and evaluale
s 1. oi r..[,r)pr or] ol lht l).b.nlrrrcs
assessnrcnl regardii-q lheir cliSibilit)
cmployees. advisors. alilliat!s. subsid
independenl valuation and .iudgment
ensure thal il ihe) sell/ ransLr these
olhcr$ise the r.lc\ ancc ol-inlb nati
olhcr rpplcairlc la\s. so lhal lh. sir
Ihc porcnrial in\csrors !hould also
dania-qe ho$ever arising and ol $
.otrsrrurd rlrar rhc \ccuriries h.rvt
for rhe financial soundness oflhc I
Dtsc l..\l\1l.lR ()F I llll llusliR\'
I he I)cb.nlures h.t\. rrol bctrr r..o n
or irdequirc) ol lhi\ Joe!nrnl l1 i\
nrade or opinions e\Pres5cd in this
tenns oirhis I)isclosurc Docunrenl
servicing rcpalmcnl ol \uch invun
t)tsct,AlMuR ltll(;ARl)lN(; sI
lhi\ l)isclos1lre l)ocunl'rrl ha\ nol
nor does Slilll guar:urlee the rccu
should not. if un) !ra\. be decnled
for ir"Slalonr(tr1 itrl.i(uol l'rort)cctur h!l .r L)
lhls docunr.nl J.r\ rx)r eor\l lul. a]r ollcr to lh. pu[r
issued b\ Marlappurarrr I'nance Lilnil.d Ihc docu
equate and arc if co ibnnir) $rlh rhc caplurcd SEB
cd decision tor nrakrng investurcnt in lhc prcposcd I
ollcr docrnrcfr or fro\f.(l!s hii hc.. pr.l)ar.d rn
he I)rhcnlurts reLnllng Io rhi\ oll.r ha\ b..tr dcli!.r rlrc appiicat,lr la$ \
the Compan) and has been preparcd b\ rlrc Conr
sho]n ir is addrcsscd and who arc cligibLc trnd willininlon ar orr a polcrrlial if!.nor na) rcqtr rc.
docunlerl. thal surrnrar) should nol bc solcl) relicd
I o1-thc p. isi\)ns \.llh(r lhi\ l)isclou. l).etrr
rcs is intlrrded tu pr)\ id! lhc L).rsis ol arr\ eredLl or (
onsider such rcccipt a rcconn endatiorr lo purchase
any Debcnrtrr.s should nlak. ns o$n ind.pcn
d ils own appraisrL ol dre creditwonhiness ol lhc I
financial. accounting. and or othcr professional ad"i
nt in ihc l)cbenlurcs a d shoLrld postc\s thc rpp
rveslnrcnl lo such polenlial in!cnols naniculrr circu
considered as a rcconrnrcndatio I lo purchut. lh! l)cfor themsel,res.lhe authenticit]. origin. validit). a
containcd if lhis I)isclosrir. Docum.nl Ih('rccipirnr
lhc Conrpan\ and lhc l)ebcflur.s ll is dr. rcspo
Debenlur<,. llr.\ .lral Lru \o .rr .lrl.r aL!nr\iJr,.'L $idocs not consliiutc an ollir lo th. public. $ithin lh!
sull lhrir o$n 1x\.r(l\inn\ on th. lx\ inr| .xlitnr\
n r(\|!cr ol rrr,{ifrr .L l.irre 1lr. .,, ' '\..1,'r\ .rr.
tar nrakrng in!c\trntn(s) Lrr rh. [)cb.lrrurcs. Ihe (]
aries or rcprescnlali!!5 do rrol aucept an) rcsponsibili
narure and e\lerrl in conntclion $ilh lhc sdid inlbr
tlts( t.\ t\1ut{
BA\K Ot'l\Dl\
t Rn tu\ & [ \( ll \ \(,1' R() \ltl) ()l l\ l)l \
cd o. rpf o\.d b\ rhc l{c!.r\. lliL rl ('l L )Lli.t nor
o bc diilirrcll) u nl. \loo,l I rrll llrr\ .lo.! rr(rrl 'h)ulrccor\rrrendcd Ior in\tslrrr.nl h) thc l{lJl. l<lll does
. or thc Debenlurcs b€irg issued b) rhe lssucr or li the corcctness ollhe
unrenr lblrnlraL in\cslors mxl make i !eslmcnl d
lel) on lhe basis ol thcir osn arrall-ris a d RUI does
11l. f(n' no\ .l rcr rrli
Ill I r. l)chcrrlurrs lu!.ol lhl. doclrfr.rrl lr is r(r
thc same has becn clearcd
7
SIBI, SL
losurc I)ocLrnrerrr" pl1rpa
i. gcrr.rall) l0 iub\ulrbcI is tbr lhe.\clusi!ecenitier thar drc d iscl
Regulations. I his requi
rllccliof $ilh lh i\ l\\uclor rcgisrali{,n nor is
ro proridc gcnrrl nlo
to subscribe k) rhe l)cbc
erc rhis Discloiurc l)ocporr.rnd lhr r..\urrl doc
ir r\rhil of .\ r) .erl)
rh. l)ebenture! l,ach p
in\.srigali0n ol lhc il iirl)olclllial lnvrstor!
as to the risks and inve
irtc r.urc.\ 1,, rrrrl\
ibilil\ of porcnliitl Ln!
this Disclosur. I)ocunr
rnraning ol lh. Conrl)ani
lrtirr: 1. r.qursrli.n o\!
and or liabiliri li)r ari
oc\ l(lll :,uirrrf 1(. 1!r.
ror. ir xrr) $!\ lr. J..nol ral'c rnt rcsPorr!ibilr
ision in lhc securitici o
c). corrplereness. adeq
are r.quir.d to nakc th
acccpt anr- resPonsibil
nr.nded or apprc!cd \ Sl:lll! undcrslood thal lhi! d
ibilltr cither tbrr tfie corcctress of the!alc pla.ement basls. lllinl olrirne. tvlrh th! I
ls( l. \t\Il R ( l_ \l sl.
ol lrdia (lssuc and
r.af that lhis I)rsc
inircl in ln! nrarncr $a
\ r(quired. r cop) ol lhi\
r nr.fl nof drr\ lh. llSlr I rlir.Ll: Ior (l{,r\ rh.
SCLAIM ER IN ITESP
rngs arc oprnronr onililies or ro bu!. srll or
LirL.' h! .\.rl h\ ir tt'(,lLrr!\,ir (.frtlcl,,r.\\is\ions or lor rhc rcsut
b\ lh. Credil Ral ng
t. ()t DI.RI.t\ R
oLrnr o'rintrinc(l b! lh.nred l)ale ol Allotmenl
rL( l)(l,UILL !\ | Jr|))r .r(i . ,,l l).p..10f.\
financial soundness oI an), scIemc o. the project tbrnrale or opinio|s r\pr.ssed iI rhi\ docume
ol lhi\ docunrcrr i\ nol re!!ircd $ilh \t Ut
anl n'cgulaali!\ or lapse\ ir lhis documenl.
l sl(x l\ l.\( ll \\(;t..\
!closurc l)ocunrert has bccn lilcd Nilh thc RSE Lirnisiing oi Debr Securiries) ltegulattuns. 2008. as
ofthis Disclosure Documenl to rhe BSIt I_inrired shoDocumenl has beef relicrved. cteared or
certilj or endoxc rhc correcrness or complI I rlr 1((l $rnrnl tlril llr( t\\1l.r'. I).hcDlUr(\ uiSl. Lirrired trIc a,r\ rcst)or1\ihilil\ ti)r lhr soundneis
or an) schemc or proiecr ol lht lssrer.
ot, CRDDtl tt^TtNC AGENCll]S
il qualit) :nd are not reconrmcndations to sanction.ld an! rccuril). Ih( (red Rrrif! Agcnct ha\
oblaincd liorn thc rLse ol {rch tnlbrrnarion. Mosry hale paid a credit raring tee. based on the
l\ l)l]t.\ tfRt{t.tsIt) t. oR\l
in dcmalerialised lbrnr. I he Issucr has nradel.rirl \el 1({n. In\tj!k,r\ $ill lra\e l{) hotd lhc l)eAct. llr. l\\U.r \hlll ltlkr r.ecssur\ nep! lo crcdit!csrol $irh ils I)cposilat t,anicipa l. the tssuer will
!.riilcalion olrhc Applcaliur l,ofln. rhe
n(.Lrl.lrlc rIrl rclilhlc lhc ( r.Jit Rrltn! Ag.oc\an\ i:rliitrn11i()n !onla n.(l n lh \ t) \cl(LUrc
ihe Issue is proposed to be made. (n-Thc issLre of Dcbentures being nradc onSIllll reserles rhc rlghr ro take Lrp at an\
ld not in:rn) \i\ be deemed or consliu.d
ir lcrms olthe Securilres and F-xchange
fion rime to rime. Ir is lo be distincll]
br the BSE Li ited: nor does rhc BStofan\ ol the conlcnls ol this Disclosurelislcd or $ ill contiruc lo be tircd on the
'r. disburse or recall the conccrned bankrrs ralrns5 on inlinnarlon obtaincd fionr
ol rh. lin.ncial and other condilionr ot lhc
nol. ho\cver. l.luar nlcc the accrrac\.and i\ nol responsiblc lbr an) errors or
ilies whose bank laciliries instrumenls arcand rype ol bank lhcilities/insrrunents.
nts wrrh the Dcposilorics tbr the issuenrures r d.nr.rrcri i(.(l ro n as pcr rhc
I)ebrnlures alloflcd to thc bcneticiannrak. thc Allolmenl 11) the tnvenors of ltre
ing docuinenrs and on realisation otrhe
t. ISSUI]R INFORMATION
Nanrc and Addrcss of thc following:
Sr. No. Dctaih
Mifapf!.rnr I:ilancc
Ollic. nrd Nlrr.rl)|!rr r ll,,Lr.!
oljic.
O1llc. t:,rp,rrurc otticr ,\rrc\. i0L ,\.lr$.Lr\r CSI Ro.rd. (lLirrn.
Mumbai 400 09t1.
1,1.rl li(r( or \rL.rb.r
lv,*i r*".,, v.n .
'\1,,irptrL,,,'rri I 1,,'i.. ' \.1.1|.1.i ..1' i!,.Ll.L
Lt llrr 18?) r0i0 t01J
fttqr lra rro q:qt1.
Irl l.r*r Ffrn. ofrF]B-d, Ar
rafL,)ot lh( l\suer M.rrraPPu
' 1, nail
I 1sl.. r(j 1lr! l\nL.
( r.Jdr1 l{xlirr-! ,\gcnr!
Ia"ait,,,r'l "t I*.'
Mxrol KrLLlrlr V ll (iJrnpun\ S.cr.lrr)
(cFo) of thc lssuer l-w"11*,
ttot". valapad. lhrissur. Kcralap80 567
ll. An.rne.ri. Ll irr)..l N
t,, lC;rar.'r l rr'.rci.l rp t i,rk J r lurrr,(,,\ .'"*,',' ['na l ru'r((\h'o l rrrr(']
ar (iD\ ll^,,.c. l'.or \,,.8:. lll,u.dr' t o1,,,\ (Rr{hrr. |JUJ Road. l1r'( 1 lr 'x
Iandhd\Ir.:abrartrlt.,rl,LedrOlllcc\u.R.l-87{rhllu,.Mirra'Ir^!(r.l}uirI
cR rs ll RA IIN(; Linritcd
l).1(l 1r. I l,r. r\,\ \rl . I I l' I \lilr 1.11 \Lr,1l1(i 1'l llr( ( ";rliL'\ I
l).lL)irr.(.ntr. \ Llr(ir!r! llll(){) I l{,!Iiknr\l l{Lr .lli,r3.rL!rrL :(r00lll
(onnunr.rrof \Jrlr.'i lir\1 lLLri, \\ilr)orl l'itrl llt\ir.\'(crl . \\!r i'rrI{ord. Ko.lri 6Sl0l(,
I
\ 'rr'r.r I l'^ir" \4' ll_.r' 1l)rl0-
ll. l{c:in .r lo lhc l-\ut SKIX (.f\r r'L r' I rr l'tlKrrrnl)ilh\ o\!A t ll\!r.lt()l \1.\r(lrl ltol(l (irrrrl)itlhl ((1 rrlrnlorr 6lL
L"'
I
L
I t,:ri,r",",1
It L,rnor.,rr
9
FLrnher.lhe Comf.rcli,vilies ol an NIdaled March ll. :
ll'c busirrrss, rcli\ itie\ ol Ihr l\\ucr
incorforal.(l r( lvinrnfrram (trrerat Iifance andcs Acl. l()56 \ilh corporatr identir\ nunrber t.659
ned a cenillcale ibr conrmencenrenl ot business date(lnappuranr l-inance l-inrited pursuanr ro a riesh cerrit'1n)- had obrained a cenifcare of resisrrarion. dared Mlic accrpri r dcposns. Ilo$c!er. suLrsequenrt). rhe Ccll I issued b) Rlll to cnrr of rhc acli\iiies otNBFCc ir nnrm ol our Compan!. a lie\h ccnlilcarc ot- ll l^ 'r(r.'., ( .\ \..rr.J t.- t?t{t , L., \ rrr . r( .trrr\lior ]j lA ol thc Rlll Act lhc\hirresol lhc corrpan]llndia I-inited.
ones nnd achi$.mcnls
s lbrlh lhe Lc\ c\cnts in rhc hillor) oi our Conrpan)
businrss conlaining thr rcq ui
.casing t-imired on Jul) 15. t992. Kerata.0KLl992PI-C006621 as a public liniiredJuly 31. 1992. lhe name olthc Compan]
care of incorporarion darcd June 22. 201 I
')_ 25. 1998. issued b) RBl ro carry on lhe
mpanf obtained a cel1iticale olregistralioiwilhour accepting public deposils. fudhcr.regislration datrd Jult .1. 2011. bearingitics ol an Nlll;C $irhour accepring pubticr!as lincd $ith llSE Linrited ard Nalionat
t()9:l
l:or:Our
O*onrflllr\ \r\ rcorp(,.lrd as Nllnrfput|rr (i.rera t: rnce afd l.caslng I-irIir.dolnpar\ coDrplcrcd l0 years ot tisling ar IlSt_ Linritcd
:0t5 n] liunched online CoLd Loan lhciliqt0t5:o te
)tr[af\ .c.i\.,] \trc ll (o n n.r lion rtl (to dcn Pcu..\'R.,,\
. . \ , t.r ,.,,, l, l,
I snarcnotacrs
tloard ol Directors .-(
MD&(t:o
/\t*rut) (.t ,--r)
Our
nesr b).rhe lfdir Il!lllon and l$ve|;-
(l
Chairman
@CF(
V
't0
redtl
I
(.
l),
( ii) Ke.t o?e tit tut ?r tntttL'r\_lot th! ht\t -l t titlttvlh.
For Finnncixl lt rt fY3l-Mar-19 3l-Mnr l8 I l -Nla r- l7
Ner \!onh .15t47 l8ril'lotal Ilchl 15295i [an)7]ol \rhich
l().ls6ltlr)\ccurcd llo o$ ir I1635 I l]09 I l6lJ
langibl. Asscr ti 1687 r8l185
Caslr and u.().1 ls rl t7l
r\ esrnr.nr\ ( ! r.fr
Ollro I .tr rcrr r\!.
t7.lll
6i)irOther Non,Finar :ixl 70ll lt9 lu
Other Finar
liabilitiesiir l06l
Orhcr Non-Finarliabilities
9:i 467 JL
Assets U
Managemcnt
r9,1384 riT6llt
Orl lll irfcc S l.l8l7 10t l /t
10[ r
t0l0,l
o ll\t,1 I
irc- .l6 r
!tt I
ttTl
rr_tl0ii l) ).1 l0
Ncr NPA (on) 0tl 0ll'I ier I Capital Adeqr
Ratio (%)ti t7 t6 59
I icr C
,{dcquac) Ratio (9/o)
ilal 0l8 019 0.1
(ii )
Gross D.
Proied ott onl ncx
rbt: Uquily llalio of hc(
/iturti"!:. il u\t r/ |1 t, tht i: tt c^, t1 toj.L ts.'1<i
Ilclarc rlrc i!su. ol lh. l).b.n J-.07\ll.r 1lr. i\\rr.irh.
\ liri(l hi\lor\ ol rhc I\srrr
t ) Dltrih 0/ nlln,cul)
tl
cc iis inco' pomttun gjying dctails of thc stnr(rt
ds ot' ltn qnt.tet en : 3l't nloch 2020
'a'/
:(11 /-?\
/.11
I
l
( ii)
(iii)
;;'- c*rt,r rr,,r tfrc ou!rler ended .i 1"1 itlutch 202
'c Capitnl
\hxrc Crpil.l
"(iib.d a rd l'3id t,l sharc CaPital
re CapnaL
Slrr. CrIi1r1
it\ t.tt)itrl tttuttut( ds o qnurlu c n i l lor t! h'
[quir\ ShrRs.200.00.00.000
Rs.4.00.00.000 1
rl.. ros.eeS(iiio I
Rs. 168.99.36.250
l"irlEquily Sh
'l otnl
I
Dr1.Chan(^cl[c ]\
{
I
)
Rs. (Aulhorised CaPrtal)
uquit) Shares CCPS
(of Rrl0 - (i,t Rs. 100/_)
$ r.l'0.1.U3,10
orns.:l-) 1
(of Rs. l00l
23.0(,.20( F]GM )
1 2.80.00.000 18.00.000 .l_00.1) )() 80.00.00.000 lhe tolal aLrIno.r/.u
capilal
incorporalion tlas lts
1.00.00.000 ar(l
srbsequenlly ,l l
incrensed lo Ii\80,00.00.000.
l5 09lt(,\(i\11 'l
I
1.60,00.000 50.00.000 4.00. 00 80.00-00.000 lncrease in tolrl
CCPS aurhorized
crpitrl Iionl lt.
'l8.oo.ooo to tr'50,00.000
'll.0l.l([cM )
rn I ::.0o.oonoo N .r.00 r00 t. t0.00.00.000 lfcrc'rse rn roLrr
equil\ aulh.rlT.Jcapilitl iorn l{'. 60 00.000 t(, lts.
5:l00.00.000
3t.05.2(I]GM)
r r 1 i,s.oo.l]o 000 Nil 4.00 100 2.00.00.00.000 lncrease In lol rl
equir\ aurlrrr/$r I
capital liom lts
51.00.00.000 t0 lis.
t h'\t ttuottu cttlttl tttt llt
tl)(r)
L
r.500.000 I t0
I l
i.iuiooo I r.ooo.0ool 110.000,000 IL
?/-;>\;t 5(Vt2
I
t0t0
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r.i lirI s1li r'i: l.'
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xt
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ll,t",,lI \,-,1 Tt*.''*" il::l 'tll"Tl*a lr,;1-,,-1p,,;i
prrc nfl ,unnJ(r r \ll,,ltrntrt
rl
(i)
( ii)
r tLl,
onsultanrs Linrited. As on dale. lhe
(i\ )
ing ot thc ( (,np.n\ as on lhc l.ricn euarrcr E
Conrpan
t0 hokl?^ ol ttluitt \htr!\ ol th? e,tryont.u! on .1
lhc \hrr.( ptedlcd or.ncLnbered b) rhc
tl l|! ( ot t1 t t\ o hltt tt o ar i.?. -l 2//2/Pleasr refer b Anne\urc t:arc pan olsharcholding pattern.
Share
Capital uot,Asll\Rls
un.\' ttltui\ition ot t rtlson it)tt n; hc kt\t t tc t:had acquired sharcs otManappuram Conrptech and
has conlplelcd acq!isition otr)9.8lon equity shares.
reoryttnitttti)tt or ruon!trxltit,tl ht h^t t .t,eor:
Dalc of \rnoun.crncnr
IoralSha
st. NO NAMT:
t4
Drk,FT \;r I r,rc ri,;" ivtr,-,rvt.rm.lnr cqrir, \ itm lDd( D( ( ",,*| .h'rcs r.l cqtrih n,ni .r,,*,r,
l\li,,n . 'r r"'t ,\(
\ll,trntr r trn ,fcqtrir\
lhnm ll i.r8l
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Irl7l
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I\i
I)et.ils
t..
t_
NANDAK
OPPOR IL I
M RVP I l:t6tlQl,rts t'|oNt.tt)
\ANI)Airi nr:r.,rvs
BA\K (SI
I;IDI::I,ITY I
lRLisl'SERIES t
MAR
IN,lAR
L l{( ll\\ L
I []6116VIJS I I\,1FN I
ll)[t_ Y
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CAP I'IJNI)ral nlNI)
D.L ANI) I
lS lJl AB(iP\Ilot)1.\
A A r\.l l)0.l l0 R
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'r lti \\\ :1,i1\
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8l?85880
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l8! ltre I
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fUND I
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TEI)\ I'RI\ \ L
F'IJND II
II t]D
\ \(l( \1rrl,)I(,ttl
t6 it ll8]
la0 tr,)ll AADCB0.l r?t.
l_olktr\ ing dctrils regarding c l)irrctol. ol'rhr ( o rpnn\;
ditc!fu,r! 0l t! (i)t1llttt.t:\t) Dlkril\ o1 1! c
Direclor oflhc Co'nPan!Since/ Da(e ofappoirtmenl
Mr.Jagdish Capoor.
Chailr1ra,r
DIN:00001516
l60l Ilrookc ViLlc
M.rhlnr
M nrbai' lll00l6
i
\ J,lr,L||],Lll\ I l,t,'.
10.0r l0 r0 a,rt;,, l r,,tr.. c,,\lrc I iNil.d.I 1( l'.rrsi(l
l.d. Ll( lll'l
rsing l'in,rncc lld.alcs l.inriled . I Il)l:Cr ilcd.spandanaSphoorlh)
rappur.rn Il!alrI L.! ! I
anrppuram Corrslrrcti
n{kanr! l.inrit.d. M
I)SP SMA
I,ANDTMTRUS I I.F,
I)I. R
INVLS I ME
MII) ('
Namc, Design
& DIN
15
rlrc I irurrcc I Lr| 1.d
p!n\
t.ta
sll\.
::
0 t997:
Mr. V.lManag
CFO
Age
DIN i 0,,1,.151: Micro l,inancc Limned.M!nappuranr Chirs (Karnarakal
Private l-imited. ManappLrram Chttl'unds Corrpan! I,rivate I_inrjted.
Manappuranr lniurancc ArokersI-inriled Manappuram ComprcchAId Consullxnls l.imired. Adtu\M.dicir) And Convcnrion CcnlreI,ri!al. l-ill1ircd. I inance Indr\x)
Courcil.Manappuram Agro Farms Limited.Manappuram Jewellers Limited .
SNSI Advisories pritare Limired. I)1A advisor! Pu Lrd . DTBAd!isor\ l,!l l-1d . l)1.1 Ad!;sorrl'!t l-td Lions Co-OrdinationConrnrixee Ol lndia Asv)ciarion
(ltomotcr In Maben Nidhil.inrircd. Manappuram Chils(lfdia) t-inrircd ManappuranrAssct l:inancc I_imiiedl
Ilabu.
l)lNr0C r.116:l
lll n!hnl Ilous(Kalparr)angrlanr
llr i$l1r 680681
l]08 1009 Asirvad Micro r-inai.e Limired .
Manappuram lnsurance BrokersLimhed. Manappuram Comptech& Consultants l.ld
MT P,Mi
DlNr 00r 42816
Itllish \ehool lto d
Chenrr ppinn\.Ponlhrissul' 680a,87
lll.08 001 N]
dn Dirrr
l)lN:00 r.l68.l{t
In Nara\an
91167,1)
6t Valiparambil House
i0 810. At ll|lholeIhris\uL 68000-l
[ 09. r002 Manappuram tnsurance Orokerst-imilcd
rl)lN:0-
l60.l AqUx Io$crll. l, nel (iodr..i
K.\hr!r.o Klrad),c
Marg . Mahaia\mi.Munrbai-l000ll
08 0l rjt loolho\ lndir I oufdaton
:jprinrs l. l.lar No:l00l \ ald Il. l0I:k,or. 0l)Anrbekar Marg.wadala lel E\chNaigaon l)adar liasl.Munbai.
06.01..
ffiS/
0ts
N
ISW Cement 1-irrited. Niyo-sinl'inl.ch l.inr r.d. ISW lrotdinssI-inited. Anan] [irance lbrlnclusivc Cro$rh h.ivarc t_inrn(d.. JSW lndusnial Cases tJrivarel-inited. Monnel tspar & [nerg]Lrd (taken o\,er b)- JSW & Ajon
16 >tI(\:
Delails of othcr dir€ctorshipDirector ofthc Compan)
Ni Age Director oflhe CompanySince/ Drte ofappointmcnt
t erails of oth€r dire(lol.si ip
Maharashtra.10(x)l l
Prit
t.in
.Ca
xl. l,!rlr\ ) \\ . ('lle(l ('r b' Lliit \ ,,i \\ ,:;,! .1 lJ,,,f( r.' 1
n n I f! S..f!.\ L rnilc
pllal
rir.d
Mr. Abiiit Sen 6il A 91. Crand Parad i.
571 1)ad)!cth llill.ALrgu( Kranli N1arg.
\.rr li.rrrl\\( or'.,\'1unrhri. Vrh.rranrl
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17.0?.t0r9 Nar
I'inl
linKall'in(JiCh(
Tal
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lrrrI-inlln
t;in
rfim Agricultural Fina
nc) Privare l.imitcd. Ll
ncial Serviccs l.imilcd.il.d a!\hlr(n \1iuo (atri lirgc l.i iled. Vnce Iri\ar(r l. nrilcd. Inal Lirriled r lj(JI
khani Sccuritics Lirr
L Invcstnrenl ( orB)ralidlker lndia Pri!alc l.imi
ker San m Wholc\irle P
ircd . Asirlad Mrcro l'iircd. Pranrerica l.it! lnsr
ircd-\onrincc l)lr.clor r
rinistralor ol l)e$an ll(ince CoDoratiur l.inriled
'c|rgii!nn
r,lLl
rcd).
Lrd .
Mr IlaBhan Kollan I:lrr 6 ( rick.l ]8.1)l ll)19('({11 lr . J.rh! l
No
irl (
Other Direclorship ln
rpanics lloldirr:r I)ircclr
ompanies incorporated ir
shir'Uli
r 1(,1Nlr Slr!ilcsh N4rhla r1 .101 l,l. (.niro !..llillsborough. San
Calitblnia 94010.
tis
t1.0t.lr)10Afl(
Sh
l.i
.ri Ikh.lli.' !rr,l., I
ius \ u !. llors ng I
ir I irnile(l \'iculrurrl I inn r! n! 1
!rr.r linrircd. \' 'lu.rr I ii\.c! l')rL\!re l.rL'r1ed.
rlrrr FiIa c. ( .rp,rired
i i\ /r1 ,1Lt/,rr
rllt,tr,lt! ,t tl
. \1r K\hit:!
. Il N Ri\ec
ir1 suhDtittcd ta th( (t" Pun!. !his I' tt) co lirnl! RB1.E( G( l!ldultct! Iilt
gar resi-gncd $cf06" No! l0l9 ard l)crrrise olMr' R
dra Babu redesignalcd as Non Ercculive I)ircclor we
lircdtts \i|tt lust thru -t(u^:
iiven or 19.10l0l9
2g'h May 2020
Name, Desig:iati ,n & DIN Date ofAppointmeni /Resignation
Dir€(lor ofC0tr'pnn] S
Mr.l.LrrnikrishIafI)ll!crL)r & I)\.( 11 i)r I lr)li
0t. t0.20i
'z (i;T ('\\fr
( ii)
Designxtion & DIN Dare otApp;'t;e;i /Itcsignalion
3.1t7
8ll
18.08.1001
17.01l0t5
l7 07 l0lg
06.01t0tl
Rc\lgIcd
l)lN:01
DrVM
l)irc.lor
t)tN.on
io' 'r''r'
l) rcclor
I t,,^, Of,
i r'r, p,.i i
l, r.(rt,r
I)lN:00
]trlrecror
'(r)t\:o:
ir.r'.ir,"i
l,l\ r) l(
liu,s. An
iEui i
88t:r
ln Ra!i Nararaf
ts 07 t0 r.r
t7 0l 20 t5
Iletirc h! (ration and
not kr set reappoinlcd
$.109 08.1016
otl0t t0r8
l:.01t t0 !8
Appoinred on
t7.07.10t9
06 .l0t9
R.'s,gned
Appoinred
Resigncd:sh M.h(i
j lllel
ri sa"rarrri
Il S
l)lN:01 .l.l65r)
I S.|
os.o:lors
06.I t. 1008
ru::MrVR
I
l t
(r)r,<0j0
N1r LknK\lriNr
9)
-llR<sisnarion l
(001:18
oli 06 l0 l
It rr I :irtl028.r465
rvr-Sn-ui
0 t6li89
:8.0 tt)J0
lappo ,ii"al7 0t t0l0
L
any Si'rcc
sh Mehri
18
21_02.2020
Resigned
App"',,t.,1
;;1
C. Follo$ing dctnils rcgarding
.i Mr. B.N
ti) Detnil\ 0l tltc u
(ii)
Tidel l'ark.No,l llajiv Can
Salai. laranran (hcn
600lli
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t':rcilir\d (l{s in
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Conn)unicalion Addrrss I;irn l:loor. Wi
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6111 0l (r.
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I I-Dec-21
04-Apr'22
Currenl Assets
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l.o \\
| .",."-,,*,"
inclurlirrg (ioldLoan Reccivables
IJook Debls &Ilcceirablcs
including (iold[-oan Reccivables
-'l i.tl :7 US:0
Cold loan aDd 'other loan
rcceivables and
(iold loan and
olher loan
11.33
t;, pa|\
(iold loarr and
olhcr k)al
li jl l7- \rrg-ivables and'jI r-j
i
;,;;i;;;rfo oo ] ro-s.p.:o Recei!abtcr
0r)00
100 00
50 00
8tl
100.0t)
I00.00
l7-Scp-:0
IISepl0
22-Sep-10
L
l
I
+
Current assets.
Book Debts &Rcceivables
including ColdI-oan Recei\,ables
I
PNtlook Dcbrs &Reccivables
including Coldl-oan Rcceirables
50.00
-l] t'cIo
l
|,lt Nl
\ 8.31
1;.,^,."*.1] Loal Rcrerr,ables
I
and Other Currenr ]
I o*"' _]r_t i
..ml0.lUn l0
l7-.\
t,Ntl
PNI]
t0
5 8.1-l
ii.l.ll06
:6 Sep
l9
:6-Scp
l9t ( o I I R\1
t.( ).\\
I]CO TFJRM
I-OAN
I
t CO I l:ltMt.o,\\
U('O TI]RMI,OA\
26-Sep-
t9
l0-Sep-l9
8.1-l
8. r-t
8.-l i
It. i I
8tl
li lt
T l IERMI roor
l08
l0-Sepl9
t(() :t{\1l.( ) \\
.TF]I{ M
LoAN
I'l:t{MI,OAN
il-'*- Lr( o It,ttN,l
I OA)!
--l lrFRr\lI-OAN
It]RMLOAN
tt I lo-sep'
I i t9
I]('O TF]RM
I,()AN
lflLI
t1
I
l0-Sep-l9
t.rco t-l:RMI-OAN
t,OAN
.i0 Sctl
t9
UCO tI.,RMLOAN
L;;..""IO N
II RNI
t.( ),\\
8ll
ft.. R N,t
I,OAN
I IJR NI
l.oAN
31
E rl
8.14
li.I I
tll
ll..l l
r,,.]s.p.:o
.r lD(c-t0
'l llMrr I I
i rrllU n-I I
iul\cp I I
Cold aDd Otllert.oan n"-,i'lrr".and other (lJncnr
Cold and Orllcr
t.oan teceillutcqand othcr CJrlcnt
( io (l ir rrl Orh.rI o:l]] ItcclJi\ able,irld ()l r.r ( Urr'.llL
(iold and OlhcrLoiIr lt!.ci\ al)i..aId ()ther ( Lr!r L
(iol(l ir r(l OtlrcrLorf Itceri\ ahlc.Ild Olh.r ( Ur urL
(roltllrttlOthgl.oan l{r.ci\ ah c'arrd ( )lllcr ('rrrcfl
(iold aId Oth.rl.()nr) l{...i\ ll) !'and Olhcr ( rn.nl
Cold and Otller
and r.rrtrurClncnr
til ILI)c.:l
E.i I IllM.'r-ll
_lt__l
8.il
C,,,1!l .,,l(l orll(l
,,J.,."-.. I Lo ,, Rc(!,\r,hru\' and ()ll,er ( !r!L I
Assct.
Ila rrrrcnr \r\dr. ol
l0l Irn-l I
lh(. ( ,'Irpar)l
lt.rI
1I]RMLOAN
ll;::""PNI}
t.o,\
PNt}
LOA
t,Nat-oA
PNI}
1.{),\
PN I]I,oA
( )l](
TI:RMLOAN
ll,ltMt.oAN
Cuffenl Assets olI+l{lSep-21
thc Conrpan)
+l0 Scp
tq
r0 scpllrxM
I-OAN I I-Mar-l:
l
Current Assets ofthe Company
lhe Companyj
tlI
tl
l0
t(r scP
l9
9
'i'rrML-OAN
Ilrtt\4l.o \N
66.66
66.66
l0-Jun 2l
l0-Scp:2
r?.50 l0 Scp l0
,[.ro I .,,-o*.,0
[.50 ll Mar ll
Currenl asscls.
llxrk Debts &
including Cold
1
t-I
lL
l0-Sep-
l9
l0'Scpt9
l0 Sep
l9
l0-Sep-
1q
-llil vl
I-OAN
hm,I,oAN
ItiltNlI,OAN
tt:R.Nt
t.oAN
1t.50+-l:50
[50
l:.50oB(
l.oan Receivables I
Currcnt asscts.
Book Dehts & I
including GrldLoan Rcccivablcs
Crrrrent asscts,
Uook Debts &loans and
advances
including ColdLoan Receivables
32
( rrrrent Assets ol
| ,t," co,,ou,,
1.,-""*'.**I ,n. aorr"r,
ad!arces
inc[rding Coldl.oarr Reccivables
)l l1)
Book Dcbts
loans and
inc lud in! (iold
l.oarr ltcreir abLes
l
( ufi.rll ir\\.1{lirtk l)(btr &l,,.rnr 1,,,1
' .t(l\.,n!!\ir c lL LrJ irr g (iollllL)nl I{(:cci\ rblcs
t LIr(rr ir-\(l ).
Il,r,l l)(hr\ &
- l,,rrrr..rrrJ
irclud ir!. (;okl
I orn Rrc.i\ rhle\
Curr(nt irs\(ls.
ln^,I l)uhr' &loa,r. a,rd
U, rlll(l\ ilnr;.\L!l,rdLrrr (,nllI-oar ltcccir rtblc'
( rrtr fr ,\sd\llooL l)ebr. d.
loa,r\ rndItLrr.l l
.rd\ Jnrr \includ in q (iold
I t)ir r ll..rl\ rhir'
( rrrrrnl il\\cls.llook l).bts &lo.f' x f,l
sto ll' xd\ xnc.,including (iold
Lorri l{.!cr\ ab e:
( r r.r1 ir\\rl\l](n)k I)cbr\ &l{)r,r. :nrd
I)cc ll.Ll\ it].(\irrlL J irrg { i,,1,1
I ouf lire!i\ lhLr'
t0
t2.50
n50
[50
I
12 i0( )B(
l2.l
t2
5
l0-Sep-t9
.TEItN{
I OAN
.tERM
l.oAN
ll:liNlI,OAN
l0-Sep-
19
t-- 30-Sep'
t9oll('
t2.l
30-Sep-
t9OB(
[.-i0
[. i0
Di0
[.50
l].50
l:50
+
[50
l
33
l28
30'Sep-
t9otlc
llI
J0-Sep-
l9otlc
l3
0
l0-Sep-l9
IIiRN'l
LOAN
IERMI-OAN
II:liN4t.o\N
II:RN'I
t.oAN
oln
oB(
@\
I
l0-Sep-l9
l0-Sep-
l9
l0-Sep-l9
til
Jto-s"p.l9
i05 Ocl 19
], '
'r'r 'r" I q
0:l-Oct I9
1.1-Ocl l9
ti28 Osl'19
( )ll(
iJ
()ll(
tI)I-B
:lt N.l
lo,\N
t.o,\\
l].50
D.50
It0.00
2i0.00
.l I-Mar 2.1
0l-Apr l0
: l-Apr l0
21'Apr-:0
Crrrrenl assets.
Book Debts &loans and
incIrdirrg Cold
t: i0
Book Dcbts &loans and
including ColdLr)lllr Rc(ei\ ahlc\
currert assels. I
8-Sep-20
llook Debts &
inclrrding ColdI oan llccci\ablcs
Enlire currcnlassels irclLrding
rnrr],r rr,rx r'
+'.
s t t",w<'Dt.
S Lr-rw,cuL
srl,wct) |I
s I t./wct)I,
sr Llwi'oI-
incl Cold Loan
Ilecei\ablcs
Curr;nt,\ss!,r\incl Cold Loan
Reccivables
lt 00
i0 00
11(r ()0['
t1
ts
orrcl
J
t"l*
C(N
S\BI
,tl( )lt,\ IIo
including Coldl-oan Rcceivables
Current asscls.
Ilook Debts &loans and
Cold Loan
Ilcceivables & allolhcr Currenl
Compan)
On rcccivables ofCompany\K :50.00
r(x) (xl
l L
l].50 l(l.lun:.1
02-Apr-2{)
lr -,1
)IL,\ I I,
34
200.00
I 1.R\1
IOAN
li0
l,,l
0l0 Oct 19
sYNDlC,^t u
ll{\K
s I I./\\ Cl)L
:oo.oo loo ('o I
:6-
(,ol.l 1,,.r r
Rccci\ ahles Ipr-:0 othcr ( c t
Asscls ol lhe
all
l.lI
0l-Nov-t9
,\X IS BANKS-I'L/WCI)
Li i.00
75 00 lit ,Pr l0OD enlirc Cor
Conrpanl
rl
1.1
)04'Nov-I9
S IA II] BANKoI: I\t)IA
S1'L/WCD
L
t00.00100.(x) 0t- 4a)-20
Cold Loan
Rcccir ablcs
inc lud i ! cIr i
t1 07 Nor-t9
SIAII:F]i\NKOF INDIA
S'II-/WCI)L
r50.00t50.0(l 0l 'Lr) l0
Gold l.oan
Itce!iurhLc\including cnti
1.1
l07-No\
l9wooRt 8,\NXTIJRNI I,OAN
.IIRM
t()AN.l L.-
1.tl 07- 1a\ ll)(bl(l I oan &Oth,-r Curren
Rceci\ xl)lcI
I
I
l45
07-Nov-l9
\I]OOR1 BANKtI::ItM I-OAN
ll,ltMI-OAN
l.ll l.l 7 07 \ug 10
Cold l-oan &Other ('Lrlrcn
Recei!ablc
l46
07-Nor-l9
wooRl llANt(.]{M t.OAN
.tE,I{M
LOAN.1.t7
ltl '(]\'0Cold t,oan &Olhcr ('nrren
Ilccci\ al)lc
l41
07-No\ -
lgWOoRI I]ANITIITNl I,OAN
.ILRM
LOAN
l.ll.t.11 0l cb-l I
(iol(l l.orn &Olhljr Cuncn
Recei!able
l48
07-No\-l9
wooRl IIANt<-TLRM
LOAN
IIiRMLOAN
4.11.t.t7 07 Jr) ll
(;old l.()rI LOther ( urrcn
Rcoci\ lhlc
t4
9
07-Nov-
t9
wooRt llANl-TERM I-OAN
ltiltNlI-OAN
l.ll 1.t7 06 \ug II(;old l.our &Other Curren
llcccr\ n hlc
l50
07-Nov-
t9
\\ ( )olI BA\ I.
ll:lt\1 I OA\
'TERM
L,OAN.1. 1 7
.t.t7 05 \o\ llCold I oan &Olhcr r: untjnReccirablc
l5I
07-No\ -
t9
wooll BA\t'lL,liNl l.OA)'l
TL.,RM
I,OAN
lt7 Ll,- 0l- ;cb-ll(iold 1..,u) I
Ilcccr\ rh l._
l5 'Q,'
07-No!-l9
07-Nov-
07-Nov-t9
Il IIANK
wo Rl Ui\NKI t:t{
06-Ma\ -22
09-Nlar -10
(iold t-oan &Other Currenl
Rcceivable
(;old I-oan
Rcccirablcs
incIding entire
Cuffont Assets
II R\Ilo,\N
II]RN,'1
LOAN
s ll./\\ ( l)I
s n_/wct)I
s I L,/\\ (',1)
l.
s I t_/wcl)L
s I t.'\\1 t)L
sLi\\'ct)
1'
s I 1./W( t)t.
I t:u \1
I-OAN
:tt I,OAN ltl
l{1 ll,\\KTI,
I-O.\ N
LO/\\
II' I}ANKt) t;\
tl t|/\NKt)t \
l-i0.00
t50 00
100.00It]ANK
II]ANK
It, lli\NKI)I \
1.1i.00
I}ANK
RAI
K
70.00
05-ALrg 22
(iold Loan &Other CulTent
Reccirablc
07-Nov-22Cold Loan &Olher Current
licccivable
I5 \o\
l5 l6-NovlJ t9
l
llft(tu I
l8-Ma)' 20
(nrk] I.oan
R(::ccirablcs
inclLrding cntireCurrent Asscts
l9-\1r\ -:0
2l-Mar'10
Currcnt assets.
tlook Dcbls &Iiccci!ablesincluding ColdI-oan Reccivables
Grld l.oan
Receirablcs
including cntireCunent Assels
li \1ty-10
Current asscts.
Book Debts &Recei\,ables
including Cold[-oan Receir,ablcs
0.lJuD-10On entire Crrrrent
C0mpany
l.l l)cc,
I l-Dec-l9
l8-.lLrn':0On enlire Crrrrcnt
Assels oflheConrpan\
ll I)ec'10
08-.lun-:0
Cold Loan
Receivables
including orher
Crrrrenl Assets
(lold Loans and
assels
IJANK
I}A\ K
I ll
l51
411.lt-
ti :0-lo
J'
7 l)c(
[5 00
b
)
s- .i\\rct)
l6 24-Dcc-o lrn Kotak
s I L/WCI)L
ruo rxr li)o oo lo J
I Current Asse
10 | includrng Co
I Loan Receivr
l65
26'Dec-
l9Kotak NIahindril
STL/WCDL
i00.00t{)0 t)0 :t-.1 rn-10
('urrcnl Asscl
irt c lr rl irr g (iol
l.oan Rcecira
t6
6
lli-l)ccl9
sou IIlI\DIANI]ANK
sl t./wct)L
50 00-i0.00 l)-.1 ir-l(l
L-oan Recciva
Ilook Dchls &
Other Currcnt
t61
2l-Dec-I9
BA.IA.I
FINANCIJ I- fD
.tERM
l.oAN6.25
6.l i t0-J n-10incl Ilecci\'ab
l68
23-Dec-
t9I}AJA.'FINA\CL 1- IL)
II]RNII oA\
6.15
6.25
6.25
6.25
l0- ep-20
rec-20
incl Ilccci\ ab
ric l{c.e \ rl)l69
ll-Dcc-l9
BAJAJ
T INANCE I-TD
lhRlvlLOAN ll,
l70
ll'Dcc-l9
BA.IAJ
FINANCE LTD
ILRI\'II,OAN
6.1-i(r l: lt 1lll-lI
incl Rccci\ab
l1I
23-Dcc
l9I]AJAJFINANCE L-fD
: ttN4
LOAN6.1:
6.15 l0-J rrt llincl Receivab
l7 ll-Dcc-l9
BAJAJ
I:INANC]E L-tD
.II]I{NI
I OAN6l-i 6.: i t0- P-l I
Currcnt
irel ll.teeir ab
t7 23'De.^-
t9
BAJAJ
FINANCE I-TT
TERMt.oAN
6.t)6.r: lt )cc ll
inci Rcccir,ab
t1
4
2l-Dec-t9
I]AJAJ
Fl\ANCt, r..Irl
fF- RM
t.oAN6t5 6. t5 0l pr-ll
ir)cl lt.!el\ flb
11
5
2l-Dec-t9
BA,]A.I
lrlN,\N(l,LlL
'TERM
I')AN6.t i 6 t5 .t0 ll
irrcl llccci\ ab
t7
6
2l-Dec-t9
BAJAII]INANCt] LTT
II]RMt.oAN
6.156.l i i0- ep-ll
Currcnt Assct
incl Rcccivab
1"1
'7
2l-Dec-l9
BAJAJ
I:lNANCl, l. l t
ILITMI-OAN
6ll 6.25 l )ec-12Currcnt Asse
irrcl lteecir al
3/ ffi
lc'
t1
8
l; l)ee
l()INtI]A
l
AN
K
s I t.r\\'( t)I
l:.005.00 1,1 .lrrn l0
Loan Receivables.
Book Debts &Other Currenl
t19
27-Dec-
19
SY]BA]
I)1( A I rlK
\ 1\\(t)t.
t00 00l 0.00 ll-lrf r(l
(lold Loan
Ilcceivables & allolher Currenl
Company
t8
0
.10-l)cc,
l9sYltlAt
l)lCA ll,K
s I I./W( l)l.
t50 00l 0 01) l6..lr r-10
Cold Loan
Receirables & allolhcr (lurrent
Cornpan\
t8
I
.10-Dec-
l9UN oN llr\\K
s I t_lwct)l.
r00 00l 0.00 l7-.lun-20
Current Assets
inclCold Loan
Recci!ables
iti2
.l I l)ee-t9
llt) ( l],\\KSll.,\\(l)I, 100 100 l7-.lLLn 20
Lntire
Receivables/Curre
t8l
I l-Dec-l9
\xll,l
S I]ANK\4 I-OAN
ll,lt\1t.oAN
50 -\0 i l-Dec-10
I;rrlire Currenl
Assets includinq
Cold Loan
recei!ablcs
l8I
3l-Dec-I9
AXTl:I
s l]AN k\t L() \\
.lt N1
I,OA\50 i0 i0-Mar-21
Entire CrrrenlAssets includingGold Loarrcceivables
t8 I l-Dec-lg
AXlt,t.
S BANKN{ I,OA\
I IlRMt-oAN
50 rl) l0-Jun'l I
Lrrtire CuaettAssets includingCold 1.oan
rcceivablcs
t8
6ii-.Irr:0 )B ll,\\ K
s I t.i \\ ct)t. t00 t(x) l7-Apr-:0
Cold I-oans and
l87
l:-Jan-20 )tl B,\NIS TI,/WCD
L, 100 100 2l+\pr 20
Ciold 1,oans and
assets
t8
8
l7-Fcb-
20
Q^NAtlA
AR
lL)NAt.K
s I l_/wcl)t.
:i ll Ma)-:0EDtire
llccei!ables/Curre
t8 19 Feb-
:(.)llt) ( I]{\(
STI-/WCDL t,-: t75 26-Aug 20
Enlire
Reccivables/CLrrre
l90
l()-Var-20
t)t t].\ \ (s /wct)t_ li l,_-i l5-Sep-10
Entire
Receivablctcurre
l8 ra-(
I\
)-
tql
l7-Mar SYN
l0 IIAN
t9
l?0-Mar16 UNlt
t9 l0-N.la,' Kolak
:l-*" lxil
2l-Mar vlJA
)n BAN." ROB
26-Mar' lNDl./20 BANI
I
I
26-MaF I FEDI20 IBANI
t94
l9j
l96
I91
lg8 ,n IIAN-"
I O \
AI \l{lMar-
BNNt0 loA
l(l-Mrr-BAN
20LOA
l99
20
0
STI,i WCD1,
N I]ANK
Nlahindra
t)lCATIlK
tIRAKSII-
K - No\\,
K
:RA t.
K WCI)L
IIABAI)K ll,RMN
IIAAADK I'ERMN
IIAI]ADK TERMN
s .\\(r)
II, RM
LOAN
II:IiN,ltoAN
fI;RM
I
\\( t)
i(l
STI
L
I
r)0 100
5050
ll ruf -:0
16, pl0
pl0
Lrn-20
ul],l0
:6 ar- I I
't0
ltccol\ ilblcs & rl
(lonrl)ilI\
incl (io Loan
Ilcccir lh cs
Cold Loan
.olnprn\
100
[0
l0(l
(rt)
l]0
150
t5
ti
includ ing Gol[Loan Receiva]bles
Cold I.,,,1:rn,i
olhcr l(,rn
the undcrl-"-inf
1
150
Flntire ( ,,rrcnl
Asscts inclrrdln.r
Gold lrr.,nreceivablcs
Current Asseds .)1'
thc C.rrliin\inclrrilrng
ReceiYable
Col(l l-olnRecei\ ahlcs
inclLrd rn.r olher
Standard l.oap
Reccirrhle a4d
cntire olher
sraldrrll Lonn
Rccci\able and
l
50
ti
t5
t5LOAN
l9
:i
@! Lrf ! lL ri\Cl
s I Li \\, Ct)L
SIli\[(I)I
s]l./wct)I
l0 tiLr)--
ll Dcc :
l0 Mar
:0
AIB,\l.O
1 IFRM
IIABAI) I OAN
K lLl{i\lN
li ti I l-\laF::
Standard Loan
Receivable and
20 l0-Mar-::0
ALBAL()
ltAit,\t)K TEII,]\,I
\:5 :5 l0 Jun l:
Slandnrd l-oan
Receivable and
entirc other
:0 .l0 \4ar
I:0
I
l0 l(l- N4ar-
lt0
AI,1i \i-o
IlABA I)K I Iill lt1
N
l1:ltN1
l.oAN
la 0r)).00 30-Sep-22
Receivable and
cnlirc olhcr
current assct
AI,I},\I.o
IIABAI)K I'ERN{N
1I]I{N1
I,OAN
li (x)t.00 rl I)c. :l
Standard l.oan
Receirablc and
cntire olher
:0 l0-Mar-l0
20 I I l-Mar-6 l20
t],\l_( )
COtNB
i rLRMIIABAI) i I,NAN
K TEITM iNlI
I
PORA r rO I
rNK
\1t.\\(t)t.
l).00 .00 3l'\4ar-13
Slandard l,oan
I{cccivable and
eDtire other
150.00l.0t) 27-Sep-10
On receivables ofConrpan)
l0 .] I Marl0
L.rNl
I]A}
STI./WCD
lrD l-
K 50.001.00 27-Sep-20
Standard cunent
assels includinggold loan
20 -l l-Mar-8l0
t0 r l-Mrrg)0
CI,I]At,o
allI}AI,O
ll,ltN.ll.oA\l
I l{Al_
K l'EItMN
'I ttAl.
ll:ltN1IO,\N
K IIJIIM\
20.81
l0 lt.l
).lil
1.u.1
l0.lrLn-10
Ilook Ilcbts.
l,oans advances
and recci!ablesincluding gold
loan receivablc
30'Sep-10
Crrrrenl assets.
tlook Debts.
and recei\rables
including gold
loan receivable
40
trqh
Il:l{Nj
}0
2t
I
ll
2l
II Mar20
CtiNI'RAI-IJANK II.RMI OAN
I l-Mar20
I l-Mar-20
I I'Mar-20
CE]N I RAL-
BNNK']'t]RMI,OAN
c l,N llt,\1.I}A\K 1 I]RMI,OAN
CLN I'RAI-I]ANK I'L]RMLOAN
tl.l
31-Marl0
C ENI'RA I-
BANK I'tlRNII OAN
2l6
ll-Mar-20
ll-Mar-l0
CIJN IRAI-I]ANK I I]RMI-OAN
CEN IRALBANK TERMI,OAN
AX IS I]AN K
41
16 96
lttMI.O,\N
r0.81
ll,ltNlI OA\
l0 it j
II:I{N'I
IO.\\
l0 8l
1l:t{Nl
I-OAN
t0 8.1
'TERML,ON N
10.81
TE,RM
t.oAN
20.81
II:I{\1to\\
t0. ti6
( \SII( t<l I)t I
50 00
l0.li l
t0 8l
lo.lJl
20.lil
t0 3r
:0 llr
20.86
]
j l-ller l(l
I I \lrr ll
jU J[rn-: I
lu 'ier-l I
I I lDuc-l I
.r l-$lrr'-l:
i0-l ul-21
llook I)cbts.
xnd roccl\ ablcs
rnc Lrdi|q qo i
llLx)k I)chl\.
includ ing gold
1,,,r r r.. \ lhl(
lJr\rl l)el)r\.
irtc Lrdirg goLd
loan rcici\ ab c
l](x,k I)ebts.
ir)d r.!ri\ ablt.inelrrtl rtg goltl
loarr rccci r ah ll:
Cuncrrl ir5scl+
Bo{,1 D,ihr5.
I,'r',\,,.i\n(j,''and r(!ui\ ablLl.
inclLrding solcl
Bouk Dchts.
rnd rr'cerrahl{.includir)r gold
loan rcceivahL
In\,I l).h1'
irclrLdrng gold
On crll rc ( un'ort
( \s( l{l:l)l I
( ltl:l)ll
( r\st I
( l(lrt)ll
( \\ll( lll,t)l l/ ll(l
-tcAsil( Rt t)l I
(.ASII
Cltl,Dll
Crrrrcnl assets.
llook Deb1s &Ilcceivablesincluding ColdLoan Receivables
Curent Assets
inclCold l-oan
Rcceivables
(ASlt
,, ,,1, ,,nn"
l
rrl.,N r:,rN r
I
o*1,',*ou^ilK
onlr.rr orn.a*x otcoirMrRC r
-+B^il K ort)A ()DA r
vuIYA,r^t*,
roJr enrr.
-+]5(){ I
rNrilANrIcnLono,]^1K
II
:
(l
ti0 {)(l
Cold loan and
recei!ables and
lhe undcrlying
compan)
i9.61lr0.0L)
llook Debts &Receivables
includiDg (;old
Loan Receivables
27.99
l](x)k Debts &
includins (;old
Loan Recei!ables
-s0.00
80 00
50.00
100 00
l t70.02
IcliiiCR F-DIT/B(;
a^-su( l{l,l)ll
[]nlire CurrcnlAssets inclLrding
Cold Loan
receivablcs
Cold Loans and
other current
asscts
[-oan Reccivables.
tlook Debts &Olher Currenl
Entire CurrcnlAssets inclUding
l:
5
tfCASII( l{Ll)t l
.90L,,
ffi:)
I
PIJ
NA,14 B
loNA1.
42
500
21.10
t.71
tltl
116
::I
CASII( lUit)
(lolLl l,,arrIicrr \ irhle\lrtc Lrdirru other
l,ltt)1tRAtI]AN K
SIAILBANKOF INDIA
T -
t)t Il
t.ri
( ltl,l)t I
Current Assel$
Ilool, l)chls &Rccclr ublcs
i.00
475.00-t,rt,a
I]-+t-
( \sll
luss._t' inu luLlrrrr
I l.*;;*,,,1| ,',,"rr,'rtr,raiflI r.ceirabl.srlI C,,rrc,rr t"crl.
1.00
Date
YliS llAl\lK
( ASIICI{l:l)ll
30 0t)
( ii) D tih t4 L t\ltutal l.nu l'tlilitit\:
ledqer i
code I Amourr,()!srandin!llpe Of
fe!28Jur- IBM lndi. Pvl l-Apr- I L l.oan
I l- \pr- l.nin.]I1,"I_c,
IBM India Pvt
l-td. .r0o0l
q.Dc(.lo lrJ .1000: I \ l\ li' . ,,u.o: :0 I R.t,r.'r.rn!
m -Tlr',"*r.dI ltlM Inoia l,u I r , Loa
o.D(..rs lr.r.r 10601 l(s J r..s:,.,rr.:o l--."" rrur .{ n.nn,,'ringl;;;;arl ' lI.,"q.o"".rs i,d'
""'"' rx,r,r t \ r , ., .:8 tl r' (,J. 'i'l l
' ' k''l"r''l r':\., ,.i I t,.x h.,
9'Dec-19 Ltd.
I)F IAII S OI; COMMT]RCIAI, PAPI]R
.13
:l
2:8
22q
2i0
2-Scp
dla l'
i1!!
l)ilc ol \lrlLr ritl Maturitv Amounl (Rs in:r)
-\( Dx - liltctl) - (ht\t ltuuk r a lcl )
:9-Sep-10 25.00
l0-No!-:0 100 00
l8'vla1'20 150.00
l0-Ma] -10 :00.00
20-Mav-20 50.00
28'14a)-10 l-i0 00
0lJun-:0 100 ()0
0l .lr1n'10 50.00
l2-.lLrn-20 200.00
l0-.lun-10 t0{)00
l(l.1uf-10 100 00
l9 \4a\ '10 150.00
l5 .lun-20 t50.00
l5-.lun-10 50.00
t.9?s.00
o -Ln v ihtullhutntt't\("\(t)\") ( It,\titution
Scri(s/lSll\ iVIa tu rit]Coupo'r Date of
on DrSchrd
)ti
le
C ftdi(Italing (rr
)
Secrrily
l_5::D07,\D0 8.8090 100
t99.50
Cr
10. r0.:0r7 i0.t0.l( t0CRISIL
firsl ranking
charge b]- way
of
gold loan
the Compan)t. :year
and l II)fCBank 3
MCt-Rplus
darca.50%
(xlRR)
19 06 t0l8
z
29.06.2t
:9.06.1t
.19 06l
ffi.
t9.t0)tl
CRISIL first rankingpari passo
charge bj wa)
gold loan
the Compan)
r\gd44
DebrnturrSeri€s/lSlN
INES]]Dt)7I]I]]
Period ofMuturit\
Coupon Date ol Rcdcmpti
Schcdule
07.1019
t)l ]l)1007 t0t I
('ll1lti
it(at
tinr,ll
to approx..
e.lrq; on
rnJnthtr
t. l
(xrRR)\ hich
rftnslarcs
lo appio\9 t lon on
nrL 'frh )
Irc'er brsisi r.:r. I U. \l)u u
r l'(r:0
21r,
20 t.)
!'i,,, R. ti ) 1)_
( llllL)
llrsr mhkins
N' f'.'""
.r-ll1
t1
.R r<Tr T
nn. | |
gold
rtrc co'nil!n)
RslaCr.
Sep 17" S"pt0tl
cCisT S".*cd rarkins pnri
( o rrt)$r\
( o npan\
(.frtrn\rarkirg j)rui
No\ Torrl0t2
:; u,r.hfl0l1
( R l\l
l\t 5t])07llt)s lr-, I ') ri ,L -L rr ll( \rr.\.rlrtr)
No! l82l 2
( t \l\\5t\llLl
Tn'.^.,r Ti:a rsireerslaut
.*''H
iil) : - I).r( ror.s ll)l() t0l
l)cc
i \.rr' 9li', 200 ,7, M"'c[2020
tN t.5tll)0lBt
I: i21)0i
S.rurill
slDlr
1\)
lre prrbl issrc !,i( Ds are 5ccurcd b) rrN(gage over immovablc propeft) ol-thc Co paD,'
n rclo!anl DebentLrrc'lnrsl Deed. Therrent irs\cls. hook dcbl'. rc.ci\xhlcs as dcscrihcd
relllil ar( iL.u,(d h' Ilr( (,, l.l l-,'rr '(.<i\.rhl(.(.1 1 Conpan) as detailed in thc rcler'ant
debenllr lru\l
l0 ll!ht tlt! Iltll!^ (n\ or .l l ' tltrr(h :t)2t))
AA IIII8O9A
NYLIDA/CIIDFC(l Ii,\ I l: l)1;li l-
ltY IlYllt{ll)
t.rDt:N ltAt_t. t) AI)\"\N t,\(it:
t00.l8ll
ll .u \ sL \ L :l:
EF] PRIVA II]l) r\,'( ,\l)ll\"\sLtN Llt t. t.
t.INI I I
I] ( API IA I,F, CO I,I I).A,/C
lNt)1.\ sllorr.l:rs0000000 /\ATIt0090B
Itl,t.lA
tslll\\kAADCI652]Qr.tMA,^\ I K.1.1751rSAVIN(IS I-I]Nt)
N S l:\Nl.l:\ ASL\PORI.)t'll.\ tJ (t. \ I l\ \\( l.
AAB( t]5769N.I
,\ \( ( (;59:9ltPIIAI. I:IN \N('I]
(!) lh( ri
I)crnil\
xot of cortoraic grlrartlce i\\urd hr thc l\sucr a $ ilh n n'r ol' lhe couolcrpnnr (lik(
'r\. (1c) on hehrll ol Nlx)m it hrs been
Commcrcial llapers:'The roral hcc value ofCo
the subsidiar), joint rcnlure cDtit\, group com
rl
I rfd ls hr..rkrf in li)lkr\ irir lrhlcr
(! )
46
ial Papers Outslanding as on the latest
:l I I ^o*oHtxr TtI rs rrr
NaDr 'rOT AMl BOPAN
:75
t
6:
(vii) Derails of rest ofoprionall) conven
I)tltc ofIhtu rir\ \lrluril,
(lis ir
29-Scp-
:0 l) 00
l0-No\-l0 100.00
l8-Mu)-20 150.00
20-Ma_v--
20 100.00
l0-N4a)
l0 50.00
250.00
:8-[1a!:0
0t
:0-.lun
t00 0t)
)0 00
0lt0
.lu n
llJun-20 t00.0(l
l0Jun:0 r00.00
l0-JLrn-
20 t00.00
15 0.00
29-Ma)-20
l5Jun20 t50.00
l5Jun20 50.00
1.97t.00
of th4 borrowing ( il an] including hlhrid debt likc lbrci
enibl+ debentures,prcltrence shares ) Nil
@4l
currcncv convcdible tlonds.
Parlr l
Facil
lnstrrll)/
Type ofIfacilitt / Date/
chedule
CreditRating
Secured
NIL.
\ll)
r\)
l).ln \
l)(trils
l)rlails
j
f all dcfaull/s and/r)r delr\ in
uriiie! and olher l-inancial\. in thr pr\I 5 rcars, Nil
p2l mcnls ot intcrcnindcbtcdness includ
)f anr_ otltsla ditrg borro$ings taken/ debt securation olher lhan cash! $hetler in *holc or parr,ce ol an oplion. - l hc ( {)nrpan) has nor lsslcd an) dcl
s rrrd lh)rrrol.r ( irt'r ]r oT l rc ( o n|nr) .s on atcst qr
and principal of ant kind of ierm bans.ng corporxtt gurrantcc issucd by lht
lics issued t!herc talten / issred (i) forii) nt a premiu'n or discount, or (iii) iD
enlure! lbr consider lion l,rher than cash.
Sr.
No. Sharchof,lder
TotnlNo.eqrit!
Sharchokl
SCRR.
./,, ol(A+Br C2)
UDderlring
OulrlandiIg
(in cluding
Shareh(
dilutcdcapi
Sharcs Plcdg.d Numberof cquit\
held in
alizcd
xo. (a)
held
(b)I NANDA I \l tnl6lltT
I
a-o- iora
18.817
l.or r
0
0
18 u,17 65000i)0 t.668 24367217
I
l SUSI IAINANDA
lvo rL tt
t_rM
5.68 r 0 0 .18001078
0 5:8 0
ffi0 518 i) '1,161t65
48 [Q,
t.
,t.
K,
1..
Sr.No. Sharcholder
Tota
sha
No.
t) ing'r;
SCRI',
,,/,, of(A rB. C:)
t nd erl\ in
sOursiindi
trg
( incaud ing
Sharcholding.
arrulring luu
t;tpitnl)
:\UI
sht
hel
alilb
b€ruity
in
rteri
ed
I SUHAS
NAN DAN[05 0.00: 0 0.002
0
0
0 l]0
0
l6i
sUMt I A
]AYASANKAR
0 0
0
0
l
0(l SOORAJ
NAN DANi674 0
1 SIIELL,Y
I]KA LAV IA N
0 0
['inarcinl Inforfl alionrst lhrcc r_cars nnd au
cd ($h(r(\er r\ rihhltlnn.c ihrcl) nod Au,
:inls,Lredir qualrt) (c.9.
ulling in malrrill liahior lh! in\ r\l('r'\ d((i\i
nge at the tinre ol issue
ccurilics ol lhc lssucr.
I r6rc.nrif I .rl1.J )
h! rddrrss rfJ cLnrlr.r
irilcd)
lilc
lic\.
hich
\ ll
Abridgcd Vcrsio ot Auditeprofil & loss statement! ba
qualil'icnlioDs. ilrn]: AnDr\
Abridsed Ycrsio 0f l.niestSlandalr)re ! innncial lnfor
Qualificattuns, lf ?1n) Anne
Anl mrlorial e\cnl/ delclolnraicrirl r(gulnkrr\ proceed
corporatc reslructuring ct€nir\csr / continue io iI\cst in r
The lssuer hereby declares rl
may atiecl lhe issue or lhe inv
NAME OF DEBENTUR[ T
The Conlpant has appoinred
approled enlir) as rhe agenr a
ol thc Dcbcnturc Truslec arc a
CAI'ALYSI' TRUSTETSIII
Address: CDA House. I'lot N(
Coloni (Righl). Paud Road. P
Consolidatcd (rlherclcr r\ailabl() rtrd SlnodaloD
trcc \hcel and cash flo$ slatc cnr) lor al leasl
rc llD
Atrdired / l.inrir.d lt(\i.$ lhll '\errh ( onn)lidrnation (likc p()lit & kxs st.rlrnrrnt. Nnd bi
,urc ll l:
nerl or chan,lc harinq i plicntiors oI lhe firrgs againsr the issurr/promorrrs. tr\ lilignlions rcrc.) ar rhc linrc ot l\\uc s hi(h nra\ .rff((r rhr i\\r
: there has been no material evenl. developnrenl or ch
stor!s decision to invest conlinuc io iolcst in the debl
IUSTEE
latalyst lrLrsreeshrp L.imited (tbl,lncrLy knorvn as Cl)d trustees tbr and on behalfofthe I)ebenture holders.
' LIMITED (torlrcrl!
85. Bhusari
ne 4 | l0i8
hno$ as CI),\ Trrstceship
lelNo: '91 020-l
la\ No: '91 0:0-l
lh. Ciualtd lnr eeship l-imitcd (lbrnrerl! lno$n ru\ {;l)A lrrL
rc lnrncc kr lhls lsstL.
d.l\ !ra . \ithoLrl rrrt lir her cl or d.crl. lt d
tru5rec\ or an! ol rheir,^gcfrs or aulhoriTcd ou'lcial
ol Dchtntur! lru\ttt
l .nk r ilto , I)thrrrlurc I rurlcc \srctnlrnlrl)atrd ohligalions ol thc C(nnprnt tlnd the'l ruste.t
lce No.83-87.81h floor.
rcsp.lr ol or r.[l nt o lhe 'ccrril\ l() be cr.al.d i(
losure Documcnts. All rights and rcmedies un
e raring agercies have lhe righl lo suspend. with
Miltal l ower. l] WNlurrrbri - 100021
lcflns oI rhis Di
raling should bc
xtrJ ( rr(lrl li:rlrn! | t ll.r .r'l,,lrl(il h1 lirl'nc \crtr(
shall rest in and be crercised by the truslees
cnr nrad. bf thc Corrpan) to the lrustecs on behall
,,,//, r. rh. I).h.nr0re hold.r(\).
( nts . AA Sl lll-l: -lnnrunl.nls \ilh this r.rllng rrc.onsldered k)
ial obllgarions. Such insrrufrent! car) lo$ credit risk.
(lltlSlL has isnr the rati g raiionale .
raiion.rle are encloscd as AnnQ\urc lll olthis Disc
are nol a rcconrnrtnd til)n b hu). sell or hold sec
,rs nla\ bc \ohiccr k) tc!i\ion or $ rlxlttt$al al dn) ri
luated ifdcpcrdeill) ol anr olher raring The raling
l)ctails/(l(,pt otIt An\
x{r{ntc( l,ctttr or l,cllcr ol'( r)rllli,rl or \n\ Oih
ol lrrnN cn!l(\.(l as Annc\orc tY ot lhis l)isct
'Illl_ RI.t(()(;\tst.t) \t(x K t.\( ll,\\(;t,sPtt()PosuD t' liI l.t5l t,l).
50
ltlit.t I t.: Dlat slr( |R11lI]S ,\lI:
has gi!cn ils conscnl lo bc
llrc l ru( Dccd. inler- lia. \pecif\ inq lhtin rctpt(t ol lhc l)rbentrrcs.
lo halc i.revocably gilen lheir consent lo
h do. n er uli.!. all such acls. decds and
securing ihe l)cbcnittres heing ofTered n]
lhe Debenture 'Irusl Deed and,or other
ilhoul having il reierrcd to dre Debenture
the I)cbcrture lloldc(S) shall dischargt
,l.,ree ol saici! re!ardins rinlcl\
r l)ocufir(nl / l.elter Nith Sin'ilar lnt(rrl.
ics and inlcsrors should rake rheir own
e b\ lh. assigning raling a-eencies and erch
obrained arc subjecl lo revision al anr, poinl
the rating at an) tinre o lhe basis ofne\v
()
Y
o.
Ihe l)cbcnlures ar. proposed
Dcsignated Stock Ii\change i
Securities) Regulalions, 2008.
Thc Company shall forlrardAllotmen(s)
R.
ln casc oldela)- in listing ol'niL p.r\ penal inlcrr\r ol I
Decnrcd Dale of Allotnrent rill
OTTIER DE'TA ILS
lssrc/lnstrunr!trr Sprcific
I)cbelrur( licdc.rDri0
Deb.nlr. R.d.|rplio| Il
,\l l ot t\ lott
NBI:Cstlgillercd $ ith Rcs.
lhr ( onrprrr) a so un
Ceniral Covernnrcnt or an! o
shall abide b) such guidelines
(i) ISSUE Dt]'I'AILS
placenrent basis lbrCrores.
(ii)
Ihis pri!arc p
,1500 crores (Four
li irs in lcnns olrhe
shallnor 0\cccd thc \
The Con)pan! can
approvals. and no fir
on ils said aclivilics.
U]'ILIZATION OF
lhe proceeds oilhe
_quid.l i ncs appl icable
No pan ol rhe pruc
lo be lkied on lhc WDM sognrenl of thc BSE Limaccordance with Securili.! lrnd l:\chaISc Ik, rd of I
applicarion to lhc BSE wilhin the l5
debt securities bc\ond 20 da]5 tionr th. I)c!rned llalp.a. ovcr rhc coupo ral. ellecti!e ) icld rillc tionr
lhc date of isrin! ol \rich I)che lurc\ (, th. il]\cnor
is nor rcquLr.d tu b. cr.at.d li)r
llanlt ol lndii
rhnr. rl lher. i\ lr\ riLnh.r g!ifr ifr\ rrc ti)r nuLnlcd
her aurhonl) ir rc\p.cl ol creal or ol l).b.nl!re
r (DrIi)
larions - Rrl(\'llDl Dctaili (Comp.ini.s A . IrBI
issue srzc ol lts li Crore wlth
ol t)cbonl!rc! i\ h.if: nrd. Iur\! llr r. th. r.\olheld on March lt). l0l0 apprc\ed rlrc plac.rrcnr o
d File Hundred Crores) . The p.csent lssuc i
lulion passed on Augusr 17.l0l9 undcr Scction I
irg b) the l)ircclors of the Conrpany lionr tinlc lopan) and its lice rcserles, lhar is lo sa\. rescr!!
thc total anrcurt up ro $hich monies rrra\ be b
of Rs. 2 5.000.00.00.000 (Rupees l$.nt) five
on ils c\isling aclivirics and lulurc acli! lics p
approvals Iionr rn! go!.lnnrenr authoril) are
t ti Pt. \( ti\lr.\ r
I tsstJE PRoct.:ur)s
ssue N ill not be used lor an) sp.ciiic proiecr and
the Issuer including repaynrent of existing debti an
ncss. lh. nrl proc.lds lionr th. lsnr. \hall ror b!lo NIllCs ifcludifg an\ polic) ilppl cab r lo banks on
of the l).b.nrurcs $ouLd br uriliT.d b) lh,i I
lcnalc purpos,rs 1l.nc. lh. \ubsoipt(nr 10 I
as a capilaL rnxrkcl e\posure
51
RSI l.imir.d shall hc rh.(lrsuc rfd I i\rin! o l).hr
lrom rhe Dccrrcd l)
ol Albr ncfr(s).lhe Cor
hc e\pir) of l0 da\s fro
trtcl] placcd dcb.nlure! b)
or nrodilied or rc!iscdl t|) rhrnlptL(nr Reserve the Conlpan)
alcriallzed lo n on
an oprion ol Rs l2
I)e
(ii))di
dir
niliz(
( iiil
(iv )
(v)
lollo$
Applica
lhe er nses ol rhe presefr llsuc would al$ bc nret liom rhc p
. \ oi rh.' t uflrnan\ (rahlL' rr '. , nd ralc rhc acr'
prcscnr issuc and nlso thc acti!ilics. shich lhe C
oT lh ! l\suc uli(r nlc.lrn.s all .\fcr\.s ol lhc lssuc \i
uRus lN DENt.\ IURtAI_tlttD t()Rll
rr Services (lndia) Limited (CI)Sl-) ror i
lhe if has k) nccessaril\ hold the Debeftures in demate
siof5 ol'llre Deposnories Act. the rcsulalions made
l NSI)I. or (l)Sl . a\ lhr ca\e nr.r\ he (as amended
i-or lr.rfsicr ol sccurili!s held in dcrrralerialized lbhc J r cl.a1 ,i,. 'rr, I h .(le-.h.,rld ur!e
P accounl to his depo5itory pafiicipant.
pany has rnade dcpositor"" a argcilents with Nat
rs ro mention lheir l)P s rranrr. I)1, id.nlilicatio,r urn
priale placc in thc.rpplication lbrn
olh.r b.f'jlr1s \ ilh respccr l(' rhe l)eb.ntures !roulof the lisr ol benellcial o*rers given by the
closuk dn(' Ihe lsruer $orll k.ep in rbe\ance t
such ti thal rhc lrcn!ficial or!ner is idcntilied b) rhe
rhc intc
under nnd lhe fules. rcgulari(lx rnd lhe br-elalvslronr li . to linr.) and an) orher afplicable la\s and
nefils !vill bc paid to lhc beneliciaries within a pe
t of r)ulrui,i rt Rl]s
lhe bur s DP accounl lo hls dcposhor! parricipant.
Iis ANt) cO\,UtNt\c l,r\w
cs shall be lranslcrred srbjecr () rnd in accordancc
followed lbr ransier ofsccuriries hcld in dnllrcs h.ld n electron c Jann. l h. srllrr should gi
ol-lhe [)cherlrur.\ k) and tionr NRls OCBS. in c
cligihle do so. $i I bc govcnred b! thc rhcr pr.lailing guiter lbrnulirics arc complcted prn,r lo rhe Record
rcdenrpr of \ ill b,r nrirde lo rhe pcro|. $ho.e narne
claims. il an). by lhe trarrslcrce(s) $ould need to
Thc nlures shall bc construed to bc governed in accordall have iurisdicli(nr in connccrion silh any maner arisi
Over above the atbresaid rcms and condirn)ns. the said Deiliofs spccillcd in thc Debenlurcs k) be issued ro lhe
nsaction l)ocumcnl\olh'rr l-
\ ll()\ l,R( )( Iis\:52
llotrces. rhc I).bcflure liusl I)eed afd lhc
eeds olrhe Iss!c. Ihc nrain oblecr clarr..-
has been ca vin! on lill date Th.I be uled br- the Company tbr meeting issue
Securllies Deposilor) l-imilcd (NSDI-)
oflhe I)ebentures in denraleriali2ed lban.ializcd lbrnr and deal Nlth the sanre ls per
reunder and the nrles re!rlrri.nq aid rhe
lionr tinrc lo tinre). lhe rrormal proccdurcs
shall bc lollo*ed for transter of rhcse
ilcn ifnnrcrions conl.ln n! derails.l lhc
Itici lbl' \hlch rhc lunds irrc beife rirlscd
and beneficiar) accounl numberlclienl id
be paid lo thos. l)ebefture Iloldcrs {hoseDeposltorier to the lssuer as on a rccord
palment ol inlcrcn or other benefits. tillry and inlbrmed to rhc lssuer rlhere upon
iod of30 dals.
$rth the l)epos torres Acl. rhe rcgulalionsNSD[- or CDSL. as lhe case may be (as
les notificd in respecr drereoi The nornral
lzed lbnn slrall b. lbllo$cd tbr rranslir ol'deli!c^ innructro|\ containin! dcla l! ol
the\ seek to hold the Debentures and are
nes ofRBl. lhe lransteree(s) should ensure
. 1n ihc absence ofrhe samc. inrerest willin the records ol thc Depositorr. ln
senled widr the transltror(s) and not $ith
wirh lndian Law. The couns of Murnbaig out oT or ufder thesc frccincl!
tures shall bc lnrther subiect ro rhe terlns
(a)
inclusive) as
alons $ ith
(b) \\ Io ratr np
orl\ cli-{
mar" appl)
eligible to
lh. Coinpa
(c)
ll open on tlrc lssu! Opcrirrts Ddlc and close or1
stated herein below. Polential investors who wishapplication tb. the I)ebenture!, r!irh all rhe
onc\r al an\ rinrc narting liorn lhc issue opening dalc
shalL pa) inrrren on rh. lpplral oI nrc[c\ ,ll lhc
invcslds $ho h . becn rddr.!\cd through.apply. No person \ho has nol reccilcd l] dircct c
I)ate. the cul'oll lirrc lor subrnl irg lh1r anplld the applicarion nrone) is 6:00 pm. llappllcar(nrlbr the Debenlur.! musr be rradc in rhe Applicallonn English bv investors. lhe full amounl oflhc lace
c delivery ofthc lilly cornplercd and c\!culed Appliuments describcd b€kr\
rhr' l.'.re fhe follo$ rnt careiolc, rl in\ e\ro,\for this pri,rate placcnicfr ol_l)ebenlurcs
lrrd
RU
Fundsi
loreign Insrirurionrl ln!.srors ar. Io$!d to
regional banks n Indial
e co panies rc3isrered $irh lnsrmncc Rcgularor)
ncial innirutions. illc udirrg all lndia Iinancirl insliluri
finance conrpanies regisrercd $ilh lhc Natronal
eligiblc invesld! ns per rhe concenred guidelines a
stor authorircd ro inlcsl in rh.sc l)ebcnlures. All I
regrlario,rs eurdclinc\ nppLrc!b c l() lhrrr
! and Re\iduan Nor-l].rlkins alornpirni.\:
subiect to applicablc latr.
rDpl\ iIs il d.nrrr.rixli\(d lnr
rd conrnrcr(irl hrrrl,\ in lrJ ,l
c ol D.bcruurcs i' l..etnnric
applicanl musl have ar least one benetlciar)
L/CDSL prior to nraking the application.
applicanl nrusr f.c!ss.rllv llll if thr dctails rincand DP - ll)) appcarin-g in thc Applicatiol Form
I).rIrlc, irli\.d LL)lnr,'.
5l
under rhe h.adir! .,l)era
lssuc Ciosirrg l)itl. (both
p n\ in-! .lorur)1!rlsup ro rhe issuc ckxing
along \\'irh the accompa
is crcdired lhroulhonn ,nJ nu\r b. !or]rplclue applied lbr has to
ion Fonn rogcthdr \! irh
r r0 b. scl out hur n.
frrr!n crlion dir.ct Iunicarion lionr the ( o
invesling in lhis i
wilh any of rhe D
\ lfSis
paid
pl)
(vii)
(viii)
iccs rcorrespondcnce bl thc Debenlurc tloidc(, ro
Debcnturcs alloitcd lo an applicanl
beneliclar) account(s) !virh thc l)1,.
Iir subscrlbiI]q lo lhe t)cbentures. narnes in
lhosc.rpp..ring irr rh. dljlails in the Deposito
nccessaril\ be in lhe samc sequcnce as rhey
lhc l)P
ll incomplete/incorrect details are gilenI)ebeniures in Elccrronic'Dematerialised F
dcenred lo be an incomplcte application and
rhc \olc discrcri(nr ol thc lssuer.
l'or rllornrenl ol Dcbenlures- the address.
rppli..nr as rcgislcrcd \vth hlsrher DP sh
applicanr. lhe app icanl is rherefore re
dcrl1ogrilph c dctails !i!cn if lhe Applicaticase the information is incorrect or inrufll
lhc rcdcmpllor anro!nr or olher beneUts
$hose nanres ppc.r on th. l sr ol bcncilcialor lh! rccod dale. ln cr\! ol thosc
idcntified in the records ol the Depository{k.en if abclorcc rhc pr\rneni olthc rcdcnl
rhat the benellcial owner is identified bv rhe
$hc.cupon lhe rcdcnption amount and
d.nlitl.d.
cos to ihc Dcbcnrure holde(, rcquired to be gilcnhave bcen given if sent b! rceislcred posl to the
entures. as lhc case nray be. All notices to be git,enpost or b) hand dcl \cl.\ r{) Relrisrran or ro such pe
an\ llonr I rr. rd r m.
Itr rclflted doc!nenls. ra\ c\enrptron ccnil)ebcnture(s). crc.. requcst! tor issuc oi dupticarc
rcgislercd post or b], hafd de|ver! ro rhe Regnray be notificd b), ihe Conrpany tionl lime to iime.
lhc Co
All tra
allotmcnl/Ictund ordcr(s) and intcrcsl in case of
lr. licinr\ ,r.!ouIl oj lhe i !cslor(\) \ith Naltofa sDcposi Ser!lccs r-ld (CDSI_) t)eposirory t,antcipant wi
l)ccmed Datc ofAllotnrenl. Ihe initiat crcdir in the
Ihc Is r turlhcr agrees k) pa\ ifterest as per rhe appticabteletlers/rcfirnd ordcrs have not bccn dispatched to applicants $ithin i0 da)-s lion rhe darc of
crediled to thc applicanl s respectirc
he Application form shoLrld be identical ro
. In casc oljoinr holders. thc nanres should
ar in the accourt drr ils nralntained \!nh
the headins -Details lbr ls{x'of' ir tlre Applicarion litrnr. it $il b.
the sanrc n1a) be held liablc lor reiecrio,r ar
onrination derarls and orher details ol the
I bc used for all corrcsponde ce wirh ihciblc lb. dre correchcss of his hcr
Form vis'a-vis thosc lvirh his/her DP. Ini. lhe lssuer would not be liablc lbr rhe
uld ire paid to rhos. l)cbenturc tloldersners nraintaincd b,,- dre Dcposirory(ies) as
s lbr $h:ch rh€ benellcial o$ner is nor
) lls of ihe rccord dirte. the l\sucr $ou d
on amounl or other benefils- unlil such tinre
D€positot!(ies) and conveved to lhe Issuer.
efits will bc paid to the bcneuciaries. as
by the Company or the Trustees shall bc
by the Debenrure holder(s) shall be sent b),
s .t such nddress as nrat be notillcd b)
s. intimati0n lbr lo,is oI Le(cr ofbenlures. rnlcren \rarrants crc. andror an\
Company t!irh rcgard ro the issue shou dor lo such persons at such persons al such
rst Allollec or sole/firsl registered holder
in disparch
urilies DepositoD Ltd. (NSDL), Ccntralgivcn initial crcdn $iihin t\ro workine dals
will bc akin to the letter ofallotmenl
!Gions oflhe Companies Acr 1956. ifitre
54
(\)
(\)
llight lo ,1cccpt or
'l'he Compan\
grounds. rncluding
rc.rliralion 01'lhe ch
in full. without assi
with rhe refund
nrcrc( on thc lppl
(a) Number ol
(b) Applicationr
(cl
(d)
(e)
ln the event. ilanyI).b.nrurc\ \ ilL h. r.
I,AN/(; lli Nulnbcr
All .pflicrtlrt\ should
lncomc'lax Circle l
rhc lircr olsuch a non
( \l) signniurcs
SiLrnarur.!i rhould bc
alrcsred h\ arraulhorr
2. tssL li t)tjt 1 .\ -
Srn'nrarv ol l crnr of Issu.l
t)tscl,osuR[]s PER-t AIN I
(i)
(ii)
(iii)
(iv)
(v)
(vi)
Nanre of the Bark
The year in which th
Outstanding amounl
Nanre ol rhe cnrlr!
Sreps taken. ifany.
it's full. unqualiUcd and absolute right lo accept or
applied lbr is less than lhc rninilnum appl
inS ant re3son rhereoll lhe applicants \rill bc inrinl. logelher !ridr inlcrcn on applicalion nr{)nev. i
ue(s), denrarrd druli!(sl lill o c da\ prior ro rhc datc oin all rc\pccrs xrc llahlc to br r!.l.clcl a|d ruch rpion nronc!. Apflicarl(nr \ould b. li,rL)Lc lo bc r!i
icaiions unde. power orattorne) by linritcd compan
ing the iss0c siTcr
!e ol l).b.nrLr .\ r . .!lro,r . Jr rr .r r /c(l
(s) apfll.d lin i! are not a lollcd llr llll- thc .\rdcd. rs nr\ b. tu nirrd
med lit by the lssuer in order t{) cnablc inlestors to
ard, Dislricr. 1n case whcre ncllher thc PAN nor the
llotnr.rrr should b! ncnllo|.d i I lhc /\pplic.]l on li)
madc in Unglish or in rn! ol rhlr lfdiln afgu
ntion rheir PAN or lhr (ilR Nufrber alloued undcr
olilcial ol a llafk or b) a Maginrate Nolary Public
c 0t lhc l)cbcrturcs: Anncrurc v
TO Wll.Ft]1. t)[]] Ul_ t
the removal lronr lhr lisl olwilllldc,aultcrs: Nol ap
laring the entilr a! a !villuldefaultef Nol applicable
enrity is declared as a wilfuldelaulter: Nol applicablc
hen the enrirl is declarcd as a \rilful det:rhcr Nor a
as a sillirl dctau 1.r: Not applicrhlc
Olhcr dLrclosurcs. as
55
an) applicalion. ln
d about such r('ieciionapplicablc. Iiom rhe
relind. I he applicationlicanr \vould nol be pai
o ora .r nora lac
lolig
an\
rlcrl
ess application nroncy o
lncome lax A.r l96lIR Number has been allin thc spac. pro\id.d.
It,
(vii) An) oth4r disclosure as specitied br lhe board ofdireclols: No e.
\DDTTTONAL fovEN ^Nr
s / t
lhe lssuer under[kes ttrat:
(i)
(ll)
\t)[R t \Kt\(; t]\ t[ ( ()\1P,\\\
Undenatrns rcsdrlinJ RBI Fr uC ddiulrc^ lisr as per decldralion submited to rhe Conrpan! ttris is ro(,{fi rrr ihauror r ol r. D'L(r.r. Jr( JppeJr .ll u rh( Rnl r ( tC,lcfJ lreF i,r.
rhr\ i\ to uldeflakr rhlt JtuLnlenl\ lur rhe creation ol thr charge. rvhere applicable. inctuding the t rusrl)((rj ${ rd h( L\(r!ru,l $rrhir rh( rrrrc lr. n( trcscril,!d ln the relevaIt rcgulations,acrtrules etc. and thcsanrr ",]ut,l Ue
'rptoaaea on rh( $€h\ rr ot rlre Designared Srobk E\change. where rhe dcbr securities have
b((n inFd. $.th.n i!($o kI j,Ja\,ulereLr.rronorrhc,.rre
lhis is rf undcrlal,r rhJl tennrssiof c^nscnr lr(nn the prior cleditor lbr a second or pari passu charge wibel.rk(nl,on'L\r,r,r.:.-(.rilor.$hcrcipnrrdhl..r td\or.rot rhe lru.r(c.,.tlr(propo.Lot* c
("r)
(iv)
l\)
(\ i)
Securitvl creatron twheres..*it' lo*,"*"r. rr," cinreresi[r at Ico'r :'" n,
I
l)cfaull in l'r\mcnt
applicable): ln casc oldelay in execution oi rhe l)ebenrure Trusr Deed andonrp.n\ \il relirrrdthesubscription!vithagreedrarcofirrerenorwiltpa)penaloler the coupon rate till these condirions are complied wilh al rhe optjon ol thc
1n 1.,,( {t ,1.':,r.lr o .\ r.rr..ir ,.t Lrfl( .r Jru .r nr,n. ipi,t r<Je.4pr on ^r rh( due Jrres. add rionat .nlere.r otrl,(ratoai".p.r.,'\{rhr.uutjurrr.,r({ iorfil36;..6,rnlronrprnl .urrl-ederauhrn.;period.
Dclav id Li(ineI
In (a\e Pl delar .i lFlin! ol the dchr ,((urilie. bclond ln dFl, riom the d(emed date ot a ormenr. rhe
(orpdnfq.ll pa) pena inrerr*ror'.,rlea,rt""pa.urerrhe{ouponra,etrornrhee\p,,!or l0days tro.]rlhe deenled dcre ofdliormenr rrll rhe lisring o,'\u(h debl ,ecurirles ro lhe in\e5ror.
56
C. DE(]I,,\IIATION
It is hereb) declared lhath\change Aoard ol lndia (l
Thc Issucr rlso confinns rhat
nake rhe stalcnrcnls nradc
Disclosure Documert also doe
Sicned b\ Rohn Kulnar. I)e2020 passed b) thc Iinancial
-l'he Issuer accepts no respons
other malerial issucd by or at
intbrnration would be doing so
Fol.lvlrunryp{r prh! iFtil$ilcB,
Rohir KumarDeputy General Manager
Datc: l8'r' June 2020
l). t)ts( l_()\t Rfs \\ t,t:R t:
Pay in Dare: Pay in
Manner ol Bidding:
t.t.
(i)
(i,
( iii) Mode ofAllolnrent l
(i!) Modc ol S.ulefirent: I
(v) And an) otlrer such d
M ANNER oT BII)DI\(;
Since thc lssue sizc is Rs.l5abide b) SEBI EBP Circular a
your read) reltrence:
L
l
I)isclosure Docrrnenl conlains full disclosures in
and ListingolDcl,t SecLrrities) Regularlons 2008as
in li!hr ol thc circLrnrnrnccs urldcr shlchhis Disclosurr l)ocun.|l does nol onr I disclosure o
nol conlain an\ l<rlse or rrrislcadinc srat.menr
biliry ibr rhe sratenlcnl nrade
his o*n risk
Oeneral Ma a-scr pur!uanl k) lh. ruthoril\ grarll.durces and M.tna.s.nicnt Commitlee ol Bo.rrd ol Di
in\rance ol lh. l$!! dnd
othcr\!isc lhan in lhisthar an\ on. pLacing
I Rottc B(x)K i\tt:ctrANrsM
Book or( krse llook Ilidding
llocalion opiionr tlr)it'ornr Yield/Muhiple Pricer Multi
L,EscroN Nlccharrisrn
rorc sith an oplion ol R!.325 cnrcs aggrtgating to
ng with the Opemrional (iuidclines. Set our bckn\ is
$ lrh llSl: llO\l)-l.ll'] l)hllon|.
can be 'l+ l or l-l
ld register themrchcs $ith BSE BOND-FlllP
onr/lssuer Reginraliur.asp\h(ps:,lbond.bscindia.
5l
fornr iiom lhr h.lo$
ce with Securiti
cd lionr lim. to limc
anv nratcrial fact $hichar. tr d( rri\l..rdin
.li0 Crorcr..1h. I
rhc bidding proccss irr
tlrc
Signatory
I
1_
8.
I inrc c lr)r is\ c rclup and bidding sindo$:
Acli!itl
Nilh Il:n!r lh. l) s!los!re I)ocurrrerrr arrd l_crnr Shect
ll IIONI) l,llP l,lartbrrnlwo working dals prior to the start of hsue
Biddinl announcenrent on BSE BOND-EBPalong $ith drrails of trid openirrg and bldding
one working day before initiating the
lircll tnrc lor llidlirrg s rn(1(tr\ b rJ ing $indo$ shall be opcf lor at leasl ore
Uid5 sh:
decimal
for lirrtl
Orllr cl
DebentL
lhe inslr
mukiple
DebcntL
lhe said
Seltlem
Pa\-in t
ll be rnade by wa),- ol cnlerlng bid anrount in Rupees (
cr dclail!. In\rnol\ should r!1.r thc SLIII LAP Circuli
elble Ir!cdor\ as -!i!.n hcr.undcr nd idcntilicd(' h) .uhpl(ri.l! rh( \pplrcallun Ior| rn the prc'crctions contained lherein. Thr nrininrrLm number ofi thereol shall be sei oLrt in lhc Applicalion Form. No-e. Application Forms should be duly complcred in alnranner are liablc to bc rejected The namc ollhe apTUsl be dulf complctcd by the applicani. This is requ
.lhr t,rir'.11,r .1,( rJrLrJ {J,r. r\l n.r(d(mrl.,,n.
rnt:
)lvards the )llotrrlent of allotrnenr ol securiries shall
location is to be nrade Pay in shall tre done rhrough ck
NR) and yield in basis poinls i.e. up to lbur
r and the Operating Ouidelines.
rpfiont b) lhe lssrer may apply ibr the
)ed tbrnrat in block le(ers in English as per
)ebentures that can be applied for and ihcapplicalion can be made lbr a fraction of a
respects and applications not completed ln
)licanl s bank. type of account and account
red Ior the applicant s own safet! and lhese
done tioln the account of the bidder_
ine corporalion ofBSE.
Tirr Artivit] for Cle: ring Corporalion
Il)a\ Uidding Date
l+l Da Successful bidders lo transler funds liom I
to the bank accounr of lCCl- to rhe extenr (
The Dcsigiated Bank Accounl ollCCl- sha
Issuer to inform BSE BOND about the fiallohicntlbrlhe issue by Il:00 hours.
lssuer to give instruction to R IA for credirprovidc corporatc rcrion ljlc along withl2:00 hours
clearrg corporation to iniliale transfer of I
ank accoun(s) rcgisiered t!lrh EStr BONI)I firnds pa1. I 661;gn11un on or bcture t0:i0
I be as shared by BSE to the lnvesrors.
ral decision of the lssuer ro go,ahead wilh
ing securiiies to successful bidders. RTA lorll reqLrisile documenrs to Depositories by
rnds lo the bank accounls desiqnated by the
58 AW
l0
lt.
u.
t.
C.
t).
l'ral,\llocrli()n l)irr res bt lh( Elll)
Upon final al by the lssuer, the Issuer shall disclose the Issue ze. )icld. lSlN. nuDofthe succ$slul biddc(s). crc.. n accordancc the Operalional Cui
Thc Llll' \ha I lplord dah. as pro\id.d b\ rhe ls{[r- on il\ \.hsilc ro il a!ailabl. lo rh. pu lic
losur! l)octrmrnr to Succcslful Bidde^
will be required ro cornplete and submit the
to rhe lssuer ln order lo acccpl lhe olicr ol
Oflar Lerrer alons uith lhc Applicallorr Fornr $l be lssucd ro lhc su \l!l
I and an) Applicarion I'ofln receiled Jlo a p.ll)c
.rll\
succcsslul bidders to om the l,rivate l,lacenrenr Ollcr 1-cner has bccn i by lssuer nray appl)
olhcr lh n rhosc sncci
addrcsscd \! ill bc in!a i,l
Splilling rnd ( r)n$l
Splirting and consoli ion ol lhc l)cbcrlures ! nol applicable in the de mode tbrn since lhc sal
lol ls one I)cbcftLrc.
f ()lt\l \() P,\S .1
t,Rt\ \1 t. t,t.\( h\1t..\t () R ( Ult APPt.t(,\TtoN l.t:t-tIR \(clion ll rn(l ( 0rI(Prospcclu\ an.l,\lbtnr.ol Sec rilics) llrlcs. :01{
c u N E ttA t_l N t'oRl\t ATtoN
\t.\\.\PPt R.\\t \ \\( t Lt\Il ll..t)(limrerl\ 'NlANAllPtlRAM (jENERAI- l'lll\NCI: ANI) l.l,ASlN(i l-lNll l l,l)')
Rcgislrred Olfice: lV .l7tlr\(Old) W 6]8(\.!\ ). -Nlafitppurirnr lloust . vrlapild. ur 6il0 561. Ketula. lrrditi
Icl: ( 9l 187) 105 0000. I.ar' (,91 .187) lle 9lell
Websirrj: \\N rrunapp ram.c
Daic oti l:or'Dornti0n otthc
\stnc. rddrcss. $rhsilc
Incorporared ir thc I hrissur.
Busincss carricd o by lhe
olhcr LonlN(l dtlxil\ ol llc CorrrDrrr\
la. Rcpublic ol lndia on Jul) 15. 1q91.
nrpstr! {nd its subsidirries $ ilh lhr dclails of bra
59
[T*'fAcli\ il\ li)r I)epo!itor e!
A.tl"lty frr Cl.
Depositories on the ilstruclion of lssucr or throu!:h ic RI Aaccounr of lhe lnlesldrs
t_.
((iold t.oans)
business such as k,an agarnn propcn).and r)ronc\ rransltr if selecti!e bra chrs. lhe had 4 subsidiariesr (i) ManappLr.am Homeil ls in rhc business ol horrle linance and h vin! a lid ccnillcare of regisrration lionr Narional
leading listed NIlfcs lendrn! nronct against rhe p
rhc sccolrd lrrllcn Cold l-o f |Io! er i| Indix. We
itories and 27 slarcs of india and we also have
IIB)r (ii) A\ir\r(l \'1icr) flnaIcc l.lrrlr!d \hjchrarcc Brokcr\ I-kl h.!ifg lhe bus|rcss ol insurance
imiled \hich isa lI producr and service companr'.
of household and,or uscd gold jewel|el,ve pan lndia presencc $ith]000+ branches
with the business of micro finance; (iii)ifgi .fd (i!) lvlanappurarn Comptech
oflhc nrr ngcment ol'the (lr) rpan\.
rhc NIrn!ifg l)i
lvlr. \" 1,
V. P, Nan
(lli(ir\( rrnrn Mh\ lo l0tl
ot R ltA\A(;
Itorrd of Dircc
\1t..\ I
The composit of the Boirrd of Direcrorr is governed b)r rhc prov s ol rhc Companies Act1l-ODR) Regu 2015. Ihe Adiclcs ol lhe Conpany provide lhe Compin) shall not have
nrore than liliccn Directo|s. unlcss othcrwise dercmi by a special resolution.
and ('hicl L\ccoli!c Olliccr (Nll)&Cllo)
and the SEB]
Pronrorcr of lhe Manappuranr Croup ota nraster degrec in sc rfce liom CaLicut
super inlendrncc nd guidancc ofrhe Board. thc day day affairs ofthe Company is nanared b!
unlar and assisted by a tearr ol prolessional wirh prolren track record in the irrespective are as ol'ly lhe Board ir conrprised o1 l0 Direclors.
Kty Manasemcnf l,ersornelol rhe Company.
I ol o$ fg rc rh! Ke) Manrg. r(nl l)ersonn.t ot rh. ( ornpan):
. agcd 65 \ears. i! ihc Mnfaging Direcior. chlConrpanics and Fhiel l,\ccurile Olliccr ol our Conpan). Hc hotUniversiry and i! also a Ccniiled Associare of lndian Insritule ot Ban He has in rhe past bccf associatcd
'virhthc banking i in various capacitlcs. llc has been rhe Diredor ot Company since Jul) 15. 1992 lle \l,as re,dcslgnated as thc Managirrg Direcror and Chief Executive Ofl]cer by lh resolution ol the Board dated Maj, 18. 20 t2
Manoj Kunrar v ascd.1.1 \clr\. i\ thc Corrrpu\ Sccrclar\ and Cin commcrcc and a rrastcrs degree in commerce
I 1'(r.'r,. ^t t.( 1li UIJut L
liance Olficcr ol our Compan\ lte holds a
m the Unilersit\ ofCalicnl Ile is a fettow
Accounlants oflrdia. She has over 2l
inrle ol Qnnpar) Sccrctaries ol lndia. tte has 16 )cars olwork e\perience. He has b€en$orking with Conrpany since Januar)- 1.2019.
alndu Al-. agcd years. is rhe ChielFinancialOfiicer ofour She holds a bachelors degree in comnrerce
in Manappuftnr Finance Limited. She has working wirh our Conrpaly since 1998.
I)lN and ocrup.tion! of rhc dircciors:
lhe following le sets fo(h rhe derails regarding rhc board as on lhe of lhis ot'fer documenr.
R
Dtsisnationst trr',".t rAA."rt
60
Drt. of Birth
I Mr.lagdish Capoorl60l Arooke Ville159 Mogul Lane
Mahim
Mumbai.1000l6
Mobile No: 98200199
Email ID:jigd ish.!!pqqr@su ai
I
qslil
Chainnan 000015 t6 \cPCl29.ll_ 0t.07 l9i!
Mr.V P.Nandalunrar
Thrissur- 680567
Mobie No:9187llll[mail ID:chainnan/amanaDDurr
0
Managing
l)irccrol' & CIIO000,1.15 t1 }GPN8(]9:A t8.05.t95{
Mr.B N.Ravcendra Ba
Blanghar House
Kail)amangalanr.Pon
l hrlssur 680681
Mobilc No:9i87llllli ail II): babuLil!!!u
9
pp!r!!!!.!!r1!
00011(,ll }MPR]]7]B t0.01.t95:
.l Mr.P.Manomohanan
7l7lA.'Aswalhy"lligh School Road
Chentrappinn).Posr'Ihrissrr- 680687
Mohilc No: S3lS7l20
lD:pmanonrohanan@{
I
rail.conr
Direclor 000.1t8.16 \LPM9856H 15.06.19,1 I
j Adv.V.R.Ranrachandr
valiparanrbilllousei0'8.10. A) )anlholelhrissur- 680003
Irhone No: 0487 2161.
Mobilc Nor ?5599614
hmail lD:adv.vrr@g[
88
8
!!L!!m
000,r61r.18 }PPR]O8JJ 10.D.t9i:
Mr.Gautan RaviNara1602 Aqua lower 11,
Kcsha!rao KhadliNlahalaxnli.Murnbai-4
Mobile No 99618700
llmail lD:qaulanr.nara
Ma.g)00t I
l8
'an@4!!t !!ul
29716'1,\
o)MPN77I] 1l.lt.l97(
\l\ SurrIrr l n.ri..Sfr nu\ l. lhl \oi0' Ilo.r (ll) A
Director 018.1-1650
@]BPR6OO]B 24 01.t96:
61 3.
t)lN
Ph:91 9
Lnrail ll):
Erch Naigaon Dadar
i. Maharashtra 40001{
8288t
AAIIPS66]61) H.|.t950Mr AbhljA 91. (lHi .
Munrbai.
t,h ()rJ: r
Ernail lD:
Paradl. 57: Dad\sclh
ahamslra 100016
r-1lJhiiit I i.f',i!nrril conl
ickcl Courr. 1i lildcrhcrrll(,1. li(,6.1J
,1 (0) 790j270t98.
AAIIPK I955D 0l. t t.l95l
Shaileh
401 ul_ ir0 Ave. llillslrorough.(co. (-r ltarrir q1010 t S
AI}APMN68]It :1.01. t919
ItlSKS RULA 't o o!R BUst\t:ss
(i)
(ii)
(iii)
(L\ )
(\ )
l\ )
ness is highl] rcgulaled and $r rra) be adversely
I urllhl .,r,,plirr(c $ ilh r,.,,,\ o' rhe resuldlron.
l\ ellccli\.. rnd rrc subi.ct l() ltlll irspection. A
lo malc r.quired ljlings bi rhc Conrpanr- and i
imposirion olpenalties.
lirture leSislati!c or rc!:ulator\
lo our opcralions nra) involve
tlccted b\
icable
I coslsand otheA\isc nra) inrposc rcslrictions on our
is capital nlensi!c and an] disruprlof or rc in.!isin! Ilnancial resorrrces !!orld hx!cI ad!crsc cllrcr on our liquidir\ and tlnanc a conditi
implemcrlei KYC noflns as $cll as nrcasurcs to nrofe) laLrndering $hich nril) nor bc
Our trus
An) l;ri
adlersc actiof b) Itlll could atlecl our
busifcr! |llrd re!ulr! ol opcrai(nr\
Vo ali in the markct price ofgold may adversely affect our
sLrbsidiaD !vith regulatory aulhorities may
nancialcondition. cash flows and resuks ol
n if econornic sro$rh if lndia and other political
62
] ---
and ccononric t-actors nra\ ad!el5ch' all-cct
d.; [j;tc,"lilI
I Ir"*,,
(-.
(vii)
(viii)
(ix)
(riii)
(\\)
Gv)
(xvi)
(xvii)
(rviii)
(xix)
(Ix)
(xxi)
(xrii)
(x\iii)
(xxiv)
(xx,)
(rr!i)
Increase:n conrpctiti
(\i)
(\)
(rii) We nu) nor be able
ll irleresr rate restrict
Dray bc ad!crsel) affe
'lhe Company. it s Meniployccs subiect to
atlecting our busi
abilit! to access capi
increase borrowing c
advere eliecr on our
Our Conrpanr- s audi
wc are sublecr lo thc
Our tinancial pe
MaioriD ol our cust
with respcct ro cc(a
'1here were instances
Wc are also subjecl lo
Our branches are vuln
We hat'c entered inlo,
by declining econom
We are exposed to a
and legalris[.
lr ordcr lo succcssfir
retain ke) enrphlees,
An\ innafccs ol litilrfprolals 1o of.rarc
ns are imposed on lending by NBFCs. our operating
successtuily mana{c and maintain orr lrowrh
is paniculrrl\ vulnerable to iItcren mre rirk.tirurc il could hrve :rn adlcff. cl-l'ect on olr ner
cash Uous a d llnancialcondirio .
i:i11g Illrrck) rxl Ch.l l:\!cu \c Ollic.r. I:\.curriain lcgal proccedin-cs and an), adverse decision i
on our reputlllion- bUsln.ss. llnrn!iill corrdition and
rJi.e id<qu.,r. dJJ rir'., r.,p.'r ir I'ln.r. ,,, r,<also depends on o!r crcdil ralings and an)
arrd conslraln our acccs! to capital and lendingcl inlcren m rgif ind rhe gro$th ofoLr busincss.
adversely all'ect our prolllabilily.
realize the lill valuc ofour pledged gold. which ex
embezzlements havc occurcd.
I tor thc loxrr di\bur!!d
n from our peer group in tlre finance sector
lc lo 1lr.1l
rs ha!e highlighr.d certain nrancrs ol-cnrphasis orma(ers specilled in tlrc Companics (Audilols Repo
iallears 2015 l{)l.l l0ll a d l(r Ll
ol fiaud on lhe Company by enrployees of ihe
the risk oflraud h\ cusronrers
gold b) our tcrso ncl rrra\ adversell alli'cr our busi
risk ol unkno$ingly receiving sro)cn Soods as coll,
and rn) conli U.lo c lcr illo rclltcd piln) tran5act
base conrprises i|di!ld!al hono\crs. $ho !c crallcondilions thar) larger corporare boro$crs
ariety ofrisks. including liqLridily risk. intcren rare
y manage and c\pand our busincss. $c musr be abl
be adequate ro pdccr rs againsr all porential losses I
1o oblain. reneN or nrainiain our statutort and
business. rra) hale a adversc ellicr on our busr
n the rraderrrark lo rhc --N4nnappuranr' k)go
6l
permils and reqNired
It ir reduclion ol our nrark.r
resr marsin lhercb\ ad,,cl\.1\
lail to adequatcl\ manale o r
result! ard Unancial con
ve Di.cctor and ccnaio oi our
such proceedings may hrve a
s ialorabl. () us or al a l. OL|e if our credil rllines would
s. The abov. may have
tial loss.
rln
lhcir
. l00lalilied ,Fp"n
rdlared
and financialconditior
lionr cusronru\ $ hirh nr.
arc rror. likcll k) h. aliiclcd
k. credit risk. opcraliural ri\[
ro xnmcl. lmif. fxni\ilra rfd
$hirh $! nu\ br (ubi.!l
!rularor)
(\rvii)
( \\!iii)
(\\i\)
(\\x)
(\ \\ i)
(\\\i l
(xxxiii)
(x\xiv)
'' I he Conrpan)
sutUcienil! enti
br\irr.\s dri\\ rl
exisling charge
It ir f-urlher Slal
Details oIdefa!D,
(i)
a-11.414
64
infranructura tacililies are limired
on cuslomer-supplicd inforlnation $hen evaluaring
incurredha! incur addillonal cxD0nses
Our ign currenc) e\change busincss nla) be adlersely a
to adherc lo nricl KYC nonns.
lenders \^ho ha!c pari pass! chargc over rhe Securit
Orr nbi
linre in
ilt 1o pa\ irtcrcn rccrucd on lhc I).brnrurcs andtor r
nncclior lherervilh $ould bc {rblecr to !ariorirproilla lit). the gener economic conditions in India and
and securily brcaches in
fany risk exposures.
be subiccl b lndian ta).es arising on rhe sale ofrhe
in Unancial loss. disruprlof ol our bus
I)ebenr
No nlure redcnrplion reserve: No debenturc rcdefiplion re
rc !vill lisl in aombay Stock l]rchange- potenrial i
I).h.nl rcs. Cr.arior i)l dcbenrurc rcdemprion rescrve is
res. As per Conrpanics (Share Capiral and Debcntl).redenrprior rescNc as spccified undcr Seclior 7t
is. subicct to the erlsring cncLrmbrances. as
to lhe more panicularl) dcscribed in the First
r\isling.ncunbr nccs .rs pcr Anrerure Vl
lo ohlaif all thc rcquisitc no objectionnr thr ur. .l lhr l).1).rIrr. IrUn l)r.d dnd ti Irhr I
e exisling charge holdcr,(s): the charge (o rhe extc
that: upon rcceipt ol no obiection ccnificates cediol charge in respecr ot rhe Debenrures willoperate as
ifany. inchrding there in rhe amounr invotved. durat
ldcrs) will opcrale as subscrvienr.
i pcnd n! (asc5 regardins Servicc l-ar shich reres are pendins as on dale..
llre A islanl ComDrissioncr of Stalc la\. Stalc CST Dep0l (thc -l)cmand ) rhroulrh af assessrncnr order
tear:014-15. Conipany filed an appeal betbre
ditfic ltlcs irr rum and senri
cuslonler cr!d r!\onh lcss
ted b) exchange rate lluctuations and is
prlncipal anlounl outstanding lronr lime tointer-alia including our tirancial condirion.
global tlnancial markets and the inrpact on
erve is being crearcd lin rhe prescnt issue of
!. regularort
rs can trade lhe debenturcs in BSE.
rcquired lor lhc proposed issue of lhe
) Rules.2014 NBFCS nced nor cr.are a
l lhc Companies Aci in respccr of privaretj
ned below. seized and
le hereunder wrinen.
ceding pdr^pdssr charge wirhin 1.)0
rcqni!ite no obiccrion ceniljcates are
obicclion cenillcales pending t-ronr
may advcrsel)r atfect ourintervention or danrage to
pdr!2arJ]/ charge fiom all c\isrlng charge
pd.$r/ with existing charge holder.
oldetirull and present \lirtUS. in rcpa\ment
ithdra*n !ndcr rhe Sabka Vi!\as Schcnrr
Thrissur has demanded a sum of2. l0l8 (rhe -Ordcr") tbr rhe
ksioncr (Appeak). Ihrissur
against rhe order on
invesligation by veri
was allo$ed by Depu
nakulam (hc Stnv Pelilion ) and lhc Stfl! Perilioflhc Sla! Ordrr') Ihc IJ.pa nr. r has tl ed
. (10!.nigalon IJrxnch). Sl . (jSt I
mpan) has ljlcd a petirion lor sta) oldemand datcd
ng the auclion registers against the in!oicos olConrIty Dcmand ) through an order dared January I t.
bruary 16. 2018 contestins thal lhe assessing officers of capital goods that were goods not inlended
(ii)
Court ol Kerala. al l-.
dared Augusr 8. 1018
Illgh Cou11 ol Kcra]a.
l'he State Tax Oiu
47.600.288 (lhe 'Penasscssmenr yea. 20 il ll on grounds thal Conrpan) practiced lhc unfair tac
is\ue ol'inrof.cr \.lt hi l\ arrd rror-i\\Unnccappeal bclbrc the De Commissioncr (Appeals). Sralc (jSl I)epanalofg \tith rn appll ion lbr sta\. of d.nrand. lhereafier. Conpant tjtcdCoun of Kemla. at li ulanl (thc Writ Petirion )lbrea \ hcr.n!ol thcWril Petition was al
to allow appeal subj
rhrough otuler darcd Juh la, l0L8lircellngrhero pi\rn(nr J .j,o o rh(,.ur.rdnd J,rJr.l.i ru ('Commissioner (Appcals), Srare GSI_ Deparmenl.
Ju \ l- l0l8 (rlrc Sr Ordea ). subicct to lhe condjlion lhal Conrpar!- sh
derrrand. lhe Depan
Ilmakulanr.
lhc \sin Il ConrrI ssionc. ol Stalc la\. Slar. (iS I l).pan ncnl. I hr ur has dcnrrfdcd I s! r (il{78.5,1.889 (hc ') lhrough an order dared N4arch 5. l0l8 (ihc1009-10. Conrpanr tlon Nlarch 17. 1013 .o
an appeal bofore rhe Depury Commissioner (Atesting drat the Order \!as nol a rpeaking ordcr and is
has also filed a petiri lbr sra) ol dcnand bclorc rhc lligh CoUn of KPctition ) and dre
-Sra) Order') Iherea rir) pan) alhwed the appcaldnorerrard(dbaLlrhlrna crrnrr(c,r*rJ<r.Ir{r t i*u(.JI.r\s icarr, ,lr crrrurr,r,rurIer,r. thch r
( omrni\riorer b) Ord+r darrd Scpr\ nrbcr 20.l0lo ha\ r(du\ (u rh( J(nrdnd of{78.5.1 88q h, R. to. t t.,iut ..
Hoqe\er. Compan) filed an appeal belire rhe Appellare'lribundl. lrnakutdln on Juh .:. t0tq a!Ji ir rt.ordcr dared Seprernber 2n.20 I h
rop,cha.(ursoldliln,,cjNr(l(JJ(dlJ-r.,,rprn\1,-,r,!.'.p.,\,r,u)r,,i }r'"ot rh( Dc,),JnJ an,uJfli,,-rro { i0.80.q80. On repruary ls. l0lq rhc l<lansano value Added lai\ 4ppellare Tnbunal. H}de+baddllo$ed borh Ihe applral' dnd (\1 d{J. rhe horh r\e order. ot rhe 4ppellare AI'honr\ Thc refrrld .,J
r10,80,080 i< rer ro b! recerved.
A'p(rllkAndhraPrafe\hVAl^*(*rr(,rr,,rd(rJJr.d.\,r::.r{ r l. '01 ' lil a-e.nle r \crr..n ti-r'l. rh(VA'l llCclarmedblCompan)sd\reiecredontherround\rharlhe'ellerandpurchdser olthegoldhddlhe dme llN numbei. (ornpJn) l,rd purchi.(d th(.rnrudrcrn(d !old olthe horroqers lhrou!h nr.ht.(rJcrion.. lhr, pur!hale olguld rr,L r.rbltr iuclio . sr,'tr.1J r,, h( ir(lil,bl( ru Lrr n \ \l IIC llnpropo'al ol le!) ol V,f I for rhe undcr decl.rred ourpur r,i\ s.r. corrrlrnred bl rhe ordcr. and Comp,in\ $J,drrccr(d I,, pJ) ,4.481.4.15. lunherb\ urd<r ddr(d Srtlernb :8 lulz Corirpan\ $ds held liJblr ro lfJ\ -pendlr\ ol ll.l:0.j5q rJt rh( rJr( or l:oo on rh( under d(clarrd \Al o+rpur ra\ o, tl.{81..115 ,lnuJr\ccrion Sj(l)riii)ollhFAndhraPrade,l. VA'l Acr. l005r lh. Atnellare Aulhoflr\. b\ order dJted Jdrrru^'. 20ll ha, confirmed rhe order dared ALgust i l. :012 anJ b) order ddred JFnuary 09. 20li conllrmed rhe
p(fJlr) ulder rhe orde[ dared Seprernbcr 28. ]01:. ( on)pdn) pref(rftd an ddpeal dgarn,t borh rhe afor[.didorder,ol rh(App(lla'i 4JIl,o I! hulir. Ilr l(lJrrrIJ\r,J. \u(l(J Ii\ApF(lldrc Iril,,Ir.,l ll\urrdl,J..,,lhe jrourd\ lhal rhe ]AppellJIe Aurhofir) hd. r'arled ro Ior( rhdr (onrpani LonduLr\ rh< aucrron .l'rliupledged onrdrnen', olfhe borro$er. \\ho dcliLlred in rIe rrtJ)m(.nl of lo0+. in Jddiuon ro rl,r, Con.P.r ,\dlsoeff(.r'Ihesaleorpurcha.eoIloldono,rro\vnaccounr.rhcrch)acringlnadualcapa(ir\rn.c.rg.rotthe pledS(d orndrnenti fhcr(r.rc. lhc pJrch,r\I! ol p.eoled ornanrent\ b) fonrpdny rtlell' $uuld arI,,uI,
l'd. li L I r.'Lr. .,ll J..r r .,:.,,, ., . R. r ,ru.l
I iil)
Pclilion $rs allo$cd rhrough an ordcr datcd Apriler M/" orl.r thr.d \.h\ l{. l0l9 llrr pD. latc ,^u
Jer'') lbr the nsscsrncnr \(alls). Ihrissur asainsr the q,d!,iable ro be ser as,de CornPa,,)
rnh. ar Frnalula,n llhe lSr.r\
. 2018 ard Mr) 21. 2018 (rhc
(ir)
65
r) 'llr.,\\
Comnri
r)
b. Corrpan) has nor
17.l0l8 (t
Compar)
R€garding
lhe Ilank(Appealt
a
hrd
ainrcd b) the deposilors.
lvlr. MConr
Val . r nnss!r . Kerata ox(,J6 /Nlobi
Lnrail
,i Kumar.v.R.
THE OFFER
i Firancirl position
r. I,All l lCUt,Alts
66
\ c.r\ I2z\.,.(,/.. r, ,\n')(\u rc
Comnrissioner of Income Ia\. Thrksur has a sum ol14s6,505.700 (the Deman*,]assessmcnt order dared Dccenrber ll. 201? fthe rder") lor rhe assessnrent ycar :015-16.
illed an appcal bclbrc rhc ( oDrnr ssioner ol lncom Iax (Appcals) against the Ordcr on Januar!
in disallo$lng an anrounr ol l:i7.1,10.000 irr
ing a sum ol {77i.900.000 lo$ards inleresl
''Appcal") conlc\lrns lhat lhe assesrl rg olllcrr c cd
debts trrittcn oll during the year afd erred incr. Conipan) has lllcd an applicallo| lbr sray of d throush a lelter datcd February 3. 2018
Application ) afd the Sra) ApplicationOrdrr") ln terms oI the Stay Oder,
491,400.000 and stay ol balance Demand
of Addltio, l groUnd olApperl lllc.loff clainr of Rs.90.l7Cr(88.17Cr f2.20Crdisallo in AY 14,15) CIT Appeals direcred rhe D).
to submit an Rcnrand Repon lbr vcrlilcarion olthis aim. Ihe Remand Repon ls pcnding.
l,lce ol thc Joint (bnr!rissioncr ol lrconre Ta)i (rhe
rhrough an order datcd februarl 19. 2018 (the 'mdd( pdlmenr ^f:00a ol lhe Dcmand snounring
{i65.105.700 has been granrcd unlil rhc Appeal is d
Y '0':-l '. rfcr( sa. J di,.rlloq., trr ur Rs J;
I)cpo\ils and inl.rcsl lhcre of:
b) the Asst Conrmissioner Inconre Iax inI liabililr. paid b! Chcque on due dare. icr.lune 20 11. bul collecrcd onl) on lunc 21. 201 I by
rcceipl issucd accordingl\. This disallowance is
Order darcd l.ebruar), I 2.2020. rhe ret'und is ver to be
deleted b), the Commissioner lncomc Ta\
cial lnsritulions
l)cb.rlrLres tllrl int.re( rhd.,,i
y has nol defauked on lhe repavmeir of principal intcrcsl in respect of debenrures (bond,issued bt it However. thcre are cases ol debenrure which are marrred bLrl not claimed.
) has nor lclirlrlted rhc rcpa!nrcrr ot principai or in rcspecr oldeposils $hich rhe Compar\tld prc\io!r!t\ bllbr. il bceaou an on deposil rakj NBfC. lhere arc crs!! ofdcposits nrarurcd
iii. Loaf tiorn any bank or llnanciat insriturion and
( orrf.n\ hr\ for(lcriru l.Lllh. fn\rncnl ro
!. Narnc. designarion. addrcss . phonc number and il-id ol the compliance olficcr:
99.16I9999
r cosecrclar\ @,,nanappurant-c!!1
llcd in anIual Illings undcr rhc Conrpanies Acl or ru
ol'th( (,)nrp.n\ lar the lnsr
l)nt( ol prs\i g ol boaftl rcv)tution:
The board has passed
2020 and aurhorizcd18.2020. Ihe comm
lnstiruti(,nal lnvestors
iii KiDds
B) means ofrhis oaggrrgatifg ro Its.i50
Datcofpassingof
The Company has
20u
.i
\ i. 'the
By this otter lener
ro Rs.350 Crores
\,P
Wirhin I (r$o) Ilusl
series afd the licqucTa ns o/ t.\srukcc .l
-l_hc dctail\ arc nn)re
bondt ollcrcd b\ nre
Ihe offer letter willis earlier. lhe C
\aldir\ pcriod rrcrl
requirenlcntr of lhe
propcrlics. vchiclc li
reso[rtion for appro!,ing the issue oldebenturesissue securities by rhc Financial Resources and Mhas apprcved rhe issuo ofrhis ollir docunrcnr
lution. authorizing thc ofler olsecuriries
lhe requisilc resolurion ol rhe shareholders inread !vith Rulc l4 ofrlre Companics (Prospeclus and
securilies otlrred (i.c. \!lrcth.r shnrc or dcbcnlure)
lelter th€ Conrplny propose lo issue Rs 15 Crorc
sccuriil h bcing otferedprice Rs l5 Cror! $ith
including thr
Rs 150
\ Ihc(l ,,r Ll \\c.,'l tn.r!,n\ 1,,,\l,u r Ih(:,II,,rLI(LI i.
timc $ilhitr Nhi(h thr alk)tnrcnt rhnll hc com
Days of the Dccmcd Datc of Allotnrenl crcdit ol'
which thc Companv inrends to raise
Company inl.nds Io raise Rs.25 Crore $ilh an opti
rsisingotsccurilics: Durrtion. ilappli(able, ratrpx\ ntenl and rrP \ rcol
lly described in the issLre nructu'e {iven in Annens of lhis olltr lclter \rill carD d)e respecrr!c i
ol intcren pilmcnl $ ill also be as disclosed in the
Non-( t, ^\,1
i hl. Re Jtt nt uhb t)LhLnnrc r"
reserves the righl to cancel the lssue or to close
lime schedule for $hich lhe otter leller is !alid:
valid fron lhe dale ofdre approval tbr its issre or
and objects otlhe offer:
the issue of the bonds net of issue e\penses \!illincluding lhc dcplo),nicnt in ir:, onward
.rnd also lbr gcncral adnrininrali!. pury)se
trrnr\ r)l'i\scls.hxrgcd .s \..uri'). il applir.bl.:\i. Princip
61
its meeting held on
agenrent comnr tfec on
Junc 8. l0l(l
with drc provl5iAllol ent of Securilrcs)
and cln\\ ol sccurii\:
ilS crores rg.qregari
Ilebenrurcs in thc
li(\:
olRs.125 crores
di\ idcnd or rrtc ol
rat.! n.nlioncd againsl
ar oplion ol Rs. 125
osed for lhe working
ins in sold loan. loan
irlr
ll.l
h
lh.
pital
Thc
d. Nol npplicnbl( rr)r
(i)
thc I
DISCI,OSURES WI
benhrrc\ ssled if rrlrns ol rhis otlcr tc,er sha| be sccured b! a ,lrsr ranktng pxri p.ssu in r-a!r)!r_1rre lfustce or all currcnl nrrlls. book debrs, rec€ivabtes bolh prescnr and l.uture. lr\ceDt lhosespeciticaLl) and e\clusivct! chargod. on a firsr rantrnB pari pis\u chrre( o\er rtre,ecur r, srrcl
urit! co!er of 1000. ol the priIcip c and inieresl at an) poinl ol.lime the tenor. oflhe Debenrures
ot lhc secrrir! offcr€d and basis on shichislcred !aluerr Nor applicabie as rhe ot]er is
i. lnlenthn ot promoters. directors or ke! manrgeriat pcrsonnet to sub\cribe to otfer: NoldpDltraol( r,, *Jc ot nn cu1!u,.ibt( Jehen,urel
i. lhenamcs(,trhe proposd A oitccs nnd pe]rcenrage ot po.r pri,ute pracemenl caDiratrftar ma] be hcld b) thcm \or Jppt,Ldbte tor nbn- con\enrhte d.benrure
in the (omprnt that $oxtd occur consrqrrcnr (o ihr
\ i !1oi. ol pr\ rrr.nt Tof \uhscr pl o|
nd nddrcs\ ol lhc rrttrcl.$ho pcrti)rnrrd \ntu (iocc has boen arri\ed ar atong $ilh rrporr of thc rcisnrc ofdcbr innr!nrenr in the fornr ofsccured dcbent
Thc change in conrrol, if anr,prir?tc placcmenr: Nor rppjicable
'Ihe pre issre ard posr i5surformnt: ihcre \ritt nor be an!Debentures. hcnce non-appticabte
The jrstilicarion tor thc alornrcnr proposcd to bc madc tor ronsidemtion othcr rhanca\h logether Nirh \atuaiion reporr ofthe regislercd vatucr: Not applicable
Rel$ant daic $irh refcrencc to ryhirh the prjce has been arrivcd ar: Nor appticabtc
llrr dernils olsigrilicarl rnd matcrial orders parsed by r€gutrlors, courls, und tribunatsimpa(iing thc going conrern sralus ofrhe Compsnt and iis fuiurr operalions: Nil
\harehotdjns f,,,",, ,, ,* ( ompan\ in rhe specified.r'anLe r rtrf .harehotdrnr parhrn h\ rhc i*uanLc ut
'l hc numbcr of persons lo whom atknmenr of prirate ptaccmenldoring the rcar, in ternrs otsccorirics as we xs price: Nit
hx\ nlrrNd\ bccn rr(tc
Cotrtrihuti(,n bcing mndc b\ the promoters or dircctors eirhcr as pxrr of the otter orseI)arateh in furthcmn(c or srch objects: Ihc secLriries ori.".",t Ui ri i. "m,
r.tr". i, "oiollired ro ponolers or direclors ofthc Companv
No finalcial orothcr bcnclll or olher iireresr acEruing tolhe promoters oflhc Conrpany. rs
direclors or ker, manage.ial peronnel oul ofthe ofter ofsecurilies conteniptated in this oi.erdocunrent. Apan tiom lheir shareholding. the rdmunerarions reccivabte from the Compan).promoters or direcrors of rhe Company arc not inrerested in rhis issue.
I)erails ol an\ itisar()n or lcgrl clion pending of raken b] an) Ministry or Depanmenl ottheuo\ ernrr.nr or a .ururor, rurtn,rrrl reair,r anl dthtc. \..r inrlr.dial.l\ nrcc.rli
68
t,
issued by such Miristry or Deparrmenl oralion or legal action shall bc disckx.d.
aurho.it! ,r., a""a,r,
IsUch iri
1. A crlnlnal co iplaint has beeh filed betore rhe Cil\ Crime Branch. Coi iharore i (lC No 76110ll againsl oUfCorrrpany. V.P Nandakunrar. Nianaglng Dircctu.and Ctric|_\ccurr!! Olticcr ol our Conr ). N1r. tl]lnikrishru . a lbnn.rexecutive director ofOur Coflrpany a]long sith tuo orhcr fonDer cmpto\ces ot our Compa y. for ollinces undcr sedtio|s120B.409 and.{20 ofthe lndian Penaf Code. 1860. Ca)arhri Rajanranikkam. rhc comptaina . allcled lhal Our Compttr\ iirciusing to rclease the plcdge created by rhe complainant in tavour olour Conrpan\. despil her having otTered ro p.[ rhcprincipal back with the interesr and rh{re are allegalions againsr Our Compan) tor rhe oft.cnc
f. Dctails of litigalion or lcgal actio s againsl thc Compar) and its promot.jrs are gi\en
pending.
of dishonest misapproprlarionand disposal ol pledged sold. Our Cqmpan) has obtaincd anticiparor) hait for V. p. Na and lhe cnrployees. OurCompany has filed quashing petirionE under secrion 482 ofCriminat procedurc Code. I I afd crirninal friscellancouspetilion for dispcrsing \rirh pc.sonalilppearance olV p.NandatiUnrarandtIrntrri\hntln Iudicial I;irn ( lass \4r!isllur.Coun, belore the llish (loun ol Madras The Ili{h CoLrn or Madras has on S.ptcnrber I . 20ll has dispenscd wilh thepersonal appearance ol V. P. Nandaluniar bclbrc lhc.ludici:]t rirsr Ctass Mrginrare Cou al ( o rlb rd. lh. ntilll.r \
2.D.V.Sure,hbibuhd, nn,r,red (riminit proceed,ng, asa.r\r v p Nan(tdtumdr.BN n",..r!*ertrunao,r,.,O,,e.r{^,rour Corrp,rr\ d rd rlrc rninJr(r ard en]rplo)((, ut ,ll(rrrT.,r'\\hrJrtrt,.,s.t.,] ,'.('t,, IhR.,JJ.ttarrrit"r(h]rli;r,lrornplarnr(r \o I0l0l:$rl,Bhrralhrndgar Policc sr.rrj^ . Rrn-!ator< thcJh.r(rrirne r, regnrcred tor ottences rclJrir,:lo char!ins c\.!bilcnl rat( or', r.re\l under Scctro t'o ot l ordn prnJ r.dc. t8o0 rcrJ wirh :ection, j rrd Jr rhcKdrnaraka Pron.biIonot ( harging t r{rbrtanr tnrerc,r
^.r. Lrut Anri.i|dror\ orit ha, hcrrrfrunr..d ror ., rh.,(.,r*Jn.,
members in a Crl. Misc. Peririon No 25106/2011belbrc rhe Coun ofthc Cit) Cilit and Scssions Judge. aangatorc, Ihc
l. The Assistanl Rcgistrar ofCo-operative Societies. ShiDroga has insrirured crimirlal procccdinglj a-qainst V. P. Nandakumqr and
Matsisrrare frrsr (la.s. shinroca. lhe+bo\elJrirne i. resrnered rbr olfcric(. rcgisrered undet sclriun. 28. j8. io and ,t I ,'r'rhe Xarnarala Monct l.ender' Acr l16l .n,i S((liun 4 ol rhc karnarald Prohibirron ol Chhrgrn* I-rorbiranr lnreresr] A.r1004alleeinrIhdrourCornpanlha.bCencharringe\orbirinIdrc\ofinlere.r.rndrheconduJrinr:olanillegalaucrionrfrrl.complainanr'\ pledged gold Our Cofnean) ' Bran\h \4anuger and V.p Nanddkun,ar irhd tited d pelirion betorF rhe
,.,]ll -!",-" ",
KJnraraka rb, qua,hi F
rhe Ld,e dnd r'u,rl,(, p.oc(eoinls rsdrn\r horh. bcdii g rererence No Crt p Nu.4j6l/201j and intcrinr sla) has been franred and linh.r proftldings ofCC.::7 li has bc{n sraycd rill dispo\al ol qrl I,No.416:l'l0ll lhc I-o\\cr Coufl nraner is posrcd ro N1a) 0.1.1010. Ihc auer spcndirs
4. lrene Drand D \.r. d !o d toan c,rvome.] na' lte.t a (ol|pli ,l bctore V.rnqJlor( soLrtl, totice Star,on and reri\t.rcJ (rin.c J.5820llforoffcnce\undersecrion40d.420readsirhs(crion14ol rhe lndran PcnalCode. 1860 alle8ins rhar our (on]pan!hd. uronglull) rerarned rh( cu\lod) oirhe told orndnrulr. rr rl,< co[plairJiI uhrch had b{cr pl<.lg(d qirh our Conlpa,or ar,,ilirrg Len0i,r lodn.. II(.,rnpla1,,anrfiledJ.rir ,,al ,(\i,i,'n|\r.i,,,,r'rrir.rercre.r{enr|nr'o t-j.'ot'h(t,[(rtJCoun ofrhc Addiuonal Dr\rnLr and Scr\ion5 Ju.lge. \4rnsa.orc dgrIr,r rl,c o,J(r ir dll{$,lls inreflrn cJ\rod) ot .:ulJornamenr. Io uur (ompan). Ihe relr,ion per,rion i, ornl) Jllo$ed Jrd d.r<crJd our CfD,pd \ ro.ua,rnd(r rhc roldornanrenr' $ irh rh( L oun ol rhe l,.drci+l \4d{rsr'drc l. -\l ( ld.. Va S.rlore. \rle. \ ornplct !n of in\ (.rig ion. ch.rrg( . ( r
hd'bcenfiledandca.(1Lr)bcr(Ja.({.21q0 li lheca.(nu$ nosrcLl rbr u-d.r. u I June 05. 1020.
69
s. snnrvasa. nranager ot our Conrpany-s branch ar Shiix)gir b) Ulins I ccPolice Station. Shimoga and a crinrinall complainr bearing rct-crcDcc number
\
v))j
5.Culfam Ahnrad. has inslilrlunrber l0 l0ll bclare iIbr otlences under Secti
relation 1o gold ornamen
serled on our conrpan)
Saket through a memora
mallcr is pending.
al cgirs !naurlroriscd li
T.Nagarai has filed a com
registered bearing No.iassistanl branch nraf age
heshrna has insrituted r
pursuant lo a criminal
Class xr l-udhiina n
regi(ered $ith lhem I](Crinrc 75/15 and Cr
havc arrcsrcd BH and A
lddcd Scclion I l.l l0l.url e plll)D bail lar
l,resenrl) lhe matler is u
Mr. Mrnoi varelrese. a
Ilrarch Manager ofourh.ar n! \..o l5l7 l0l5conducting a dctailud in
reference nunrber CC
Thercafier our Conpanquashing the case and
reltrelce No. Crl.MC718711017. Thc lli8h Cconsldcr lhr reier r.poall'csh ro decidr \h.iThe nlatter is pe ding.
criminal proceeding
llangalorc. a-sainst our
to a crimlnal corrrplainr
in Kanatalia. Th. abo
Erorbitant Interen Act
Pursuant lo the wril pcll
of charges. proceedings
rcterence number CR
Magintulc ar Ilanlalore
70
€d criminal proccedings agalnst our Compan) pursuant lo a privatc conlplalnt bearing releren*cCounolrhcChiefMerropoliranMagislrateatSakelinDelhi.'lheabovecomplaintisregisteredn 406 and,120 ol lndian Penal Code. 1860. alleging fhar our Compan! carried oui an auction in
r pledgcd b) rhc complainanr ibr availing a loan ftom bur Company wilholrl notice. Summons uas
,ursuanlloshlchourCornprn)appcarcdbclbrclheCourtoflheChiefMclropolilanMagislrateatdum ofappearance. lhe rnatlcr has bccf posled on Juhe 17. 2010 ibr consideration on chargc. Thc
inal proceedingsagainsrourConrpanyandSuman.n,{"ra-"t,*,a,.p"",,h,ancha,Iudhiananplainr bearing reference rlumber COMI,'142/2014 bclorc thc Courr ol thr iudrcul M,rgr5rrarc IirnU,b. lhe abole crinrc is regln.fud Iar otiances undFr Srcrion l0o ol'lndian l'rndl Lo,l€. 1860
sal ofgold pledged with our Company. Thc matier ij OenainS tbr aOOearance on May 28, 2020.
lainl beli,e Nangli police allcging that his gold or,]ra'nents has been stolen and FIR has been
'15 under Section 180. 454 of IPC. During invesiigatlon, police has arresred branch manager and
olour Compan) s l,ungannur branch. Nangli police issued norice ro produce lheli gold in crime
the gold was already seized by Pun-sannur Police arld Mrdrnrprlli Dolice iI xnother rqo !flmes9l/15). Even though we have explained and shotrn fr,.,etar.,,r'Uo.u'n.n15 ro Nrn!li police. rhey
rH lbr crime .egislered by rhem. lhe)- were remandeq and subsequenrh released on barl. Larur on
and 111 of ll'C. Suhsequentlr- in\cncd three n'ore Fmelo\ee! in rhe cri e. we halc obrdrned
addrtional addcd.nrplolccs through Cri. N,{isc.Nd 2jE 15. lsr Addl. Sess ons Jud!e, K,,lar.
invcstigalion
s poslcd on Jul\ 18.2010. Thc rnaucr is pending.
as becn instituted b) rhe ReSistrar ol Co operativq Society (Money l.ending). Aliakar Road.
onrpan) in relalior to crimc nunrber ( r No 270/2012 at Yeshwanthpur police Station and pursuani
rarlng relercncc numbcr 10166l0ll betbre the Cour! oflhe Merropolrran Magisrrarc at Bangalorecrinrc is r.gistcrcd Ior onincer undlr Seclion I and 4 of rhe Karnalaka Prohibition ot Charglrs
1004 alleglng lhat our Compan!' is charging exorbirFnt inrerest rares on gold loans. At present.
oI b(dr,r! rerrr(nc( rJrnb!r l8:,)-i0l.lpendrngbrlor(lhcHr!hCounol Kdrnrldrd lorqua.h !)efore the Court ol thc Melropolitan Magisrraie ar llangalore have bcen slaled as per order bcaring
'67ll/ll b,," the lligh Cord of Karnataka. Thc maxer before the Coun of the Metropotrun
1 can bc procecdcd . lhc lo\\,er court mallcr ls l.sllt posted on April 0i. l0:0
ceeding againsr our Cornpanv in crime numberumber CC No.0l 1009 belbre rhe Cou.l ol ihe Mali
ollonces l]ldcr Scclion {0ar ol lhc l dlaf l,cnat (i)cl. 19.11allegir)g rhar our Conrpar) conduclcd an a
insr V.1,. Nandakunrar is quashed as pcr order ol Inrmber I 190712008 The ne\t date of ing betbre thc L-oun ol rhc l\,lagin lc at t hituvarlastly posred lbr ScNice oI NBW lo No. 2 and No.3. The maxer is pending.
ll.A crinrinal procccding has becn inst ted againsl our Conrpany and Branch nranager.conrDlainl bearin!: rclcrence Cl l 014 in crinre rUnrbcr Cr No. l5l,l0l.1 liled Nith
oflences under Section.106 ol lndian t,e|al Code. I
has been tak.n lor the Branch nran
l0.Karhiravel. has instituled a criminalcrimir)al conrplainl bearing rclcrenceNadu. The abovc cr nre is rcgistered
and l8 ol lamil Nadu l,a\rn Brokersto the relevanl pledgor. Chargc sheel
O ssa. lhe above crime is rcgineredhas auctioned gold piedged wilh our mpany before rhe expir\ oflhe noricc pcriod given t
The ma(er i5 pending.
l2.lndarsingh. Assislant Regisrrar. Co-opqralive Socieh Cu barga. Karnarakr has ljted a conrptagairn Mr. la!cd Hussain Khan. ch Manager (Al) ol lhe Super Markcl llranch o
nl $ 1r lhc pol...rr (ir ll) rrour ('ofrna r\ accu.in! ou,
Conrpan) of chareillc c\orbitant rate of inlcrcsr on uold loan\ in violation ol Sccltof 5 28 ol thc Karnaraka Mof.\Lenders Acl. l96l and Section I and Secrion,l ol Karnaraka prohibirion ior Charging Ex ilanl Int€resr Acl- 200.1r 'lheChowk Policc Stalion. Gulbarga. reg l lR against Mr. Javed Iluss!in Khan. Branch r(Al) ofrhe Super Mtrrket
$rit peritn,n Illed b! orrBranch ol our Cornpaf) on Mar ll. l0l: b.aring crirI. Unrb.r ()079t0 I Ar prc5eConrpan) bearing reterencc nu ber 1859712012 in rclpecl of rhe simitar i!sue is pend
. a $rit peritn,n Illed b! orrng before ihe lligh Coulr! ol
Karnalllkr. und.r $h ch lhc.rinrinn prrcccd g!, bcii)r.1h. o\.r courl hr\. h..n nl\l:rt.
loser coLrn ha\ e been \rx) ed. I he markr is pcndrn!
Seclion 5 olKarnaraka Prohibirbn ofEhargins hxorbilanr lftcrcst Acl 2004 rhe Madhugili Police registered FlRagainsrour(ornpanlor\4.r\,-. lu2bedring(rinr<nurnb.rUr,'I:ull {r pr<\<Ir. d $llr p(liriun rlleilqljur r orrpJn) b<or,rj.r
li.C.B. Kalaghatagi, Regislrar of Co-opqralive Socierics. I)harwad has illed a conrplaint with lhe police at Hubli agairrgl rhe
Manager ofour Company situated at Chiita Compler. Near tndi Punrp. Otd Hubti. accusing our Conrpan) for chatgingexorbitant rale of interest on secured alrd unsecured loans iD violation ol Secrion l8 ol rhc Karrataka Money Lcnders Acr-lq6l and Secron I and Secrion 1 ol l..Frnaraka Prohibition of Charging Exorbirant Inreresr Apt- 2004. The Srlb,lnspechr olPolice. Hubli\ourh Dhdr$ad. re!i.re+d l lR acain.r rl-u \4.I.d,,er ot ouraompdn\ ir Chirr.rConrrle\. \eartnd. p,rmn.odHubli onMa! 18. l0l:beann!cnnrei,Lrmberl0l/2011.Atprcsenl,nwrirperirionllledbv(urCornparybearingrclcicnc.number l859li201-a rn respeclolrheslm,larissue is pcnding betbre lhe llighCou ol KarDdtaka. under which the crininalproceedings before rhe lo\{er cou( havl been srayed. 'l he maiter is pending.
l4 J. Sanjay. Senior lnspector. CoopcralivF Department. KAI)A Office. has filcd a complaint wiih the police at Mysore. a$in(Mr. Ravi, Branch Manager ol our Combany situated at Rarraswany Circlc. l\4)sore City. acc{sing our Compan! ol char!ingc\orbiranr rare of rnreresr on gold loan+ in v;olation ofSection 28 ofthe Karnaraka Money L+nders Acr. t96I and Secrio land Seclion 4 ol Karnaraka Prohiblrion of Charging Exorbilanr lnteresi Act- 2004. The Sub-lnspector of p0lice.
Lakshmipuranr. Mysore Cir). rcgisrerfd llR against Mr. Ravi. Branch Managcr ol our Cgmpan) at Ranras$an).Circlc.Mysore Cir) on Ma) .10. 2012 bearing trinre number 056 1011. I he charse shccl is \cl kr hc filed und rhe nrauer is currlnr )at the stage ol irrvesrigarion. Ar presqnr. a wrir perilion filcd b) our Conrpanv bearins re$erence nunber 1859?/2012 in
respecl olthe similar issue is p€nding fefore the lli8h Courr ol Karnalaka. under which the Criminal proceedings belbnp rlrc
lr C. Thippe5sam). fil!d a cnmplaint wiih rhe police at Madhugiri agairrsr our Cornpany. accubing our Compan) ot chafsinge\orbrranr r,rr( ol ifr(rc\l ,)rr go)d loarfs in violalion ofsecrion S and l8 o, rh. Karnataka lr4ond l-endcrs Acl. tS6l and
77
cri$inal proceediigs
l4.r.D Umesh. has filed a
l{aiajinagar. Bangalore
uftcc!red loan! in \ ioKanralaka l'r ohibilionMana-lcroio rCornpa0179r:012. At presenl,
issue is perdlng belore r
na)ed lhc maucr s
ll Krishnappa. a sold loan
thuL!h rhr llra .h \4rloans. lhe Olficer in
Compan! siruated ar K
our Conpany bearing
Kaffarlka. under \!h ich
11.1. Sarala. Assrsranr Re
filed a (omplaint sirhWilsongarden Branch.
l9.S!ndaiai (i I. lf spector
$illr llr. folcc ai llafs.r
loans in violarion ofSeof Charging ExorbitantM,rnagcr and Forcnian
20ll bcaring crinrc nu
18597/2012 in respecr
proceedings bclbrc the
ehnr!irs c\orbitanl r.lnrer€n Acc 2004. 1he
of our Company on M
which thc crinrinal
lrl Sri Nlirh.qh ll .lllcrrBangalore Cllt. Ka
Aansalorc, againsl ourSeclion 4 of Karnalaka
Cit). regislered FIR
llled by our Compan)ol Kamat.ka rnd.r \!hi
1)
rctarencc number 18597/2012 in rcspcct oflhe sinrilar issue is pending before thc High Coun of Karnataka, under which tnc
thc lo$.r (ourr hr\. bccf slaled. l he nr:rner is pcndirg
omplainl with lhe police al Bangalore. against the Branch Managcr ofour Compdny at 2nd Block.ir),. K3llillarrrataka. accusing our Conrpany olcharging exorbitanl rate of interest on secured and
ion olScction 5 afd j8 oflhc Kamataka Money LendErs Act. 1961 and Secrion I and Section 4 ofcharging l.\orbilanl lnleree Acc 200.1. The Police. Raiajinagar. rcginercd FIR against the Branch
IIish Coun ol Kanraraka. uider r\hich the criminal proceedings bctbre thc lo$cr coun have been
nrer oi our Company has filed a complainl with lhe police ar Kanakapura against our Conlpanyagcr ol KlfaIpura br.rnch. iccus]ng our Company ()4 charging erorbitanl rale of interest on gold
gc ol rhe l']dicc Slalion al Kanlkapura. registerud FIR againsr lhe Uranch Manager of our
akapura on Auglst l7 20ll heirrlng crirne nunrber 226,12011. Ar prcscnr. a wril petition tiled b!-
Lrence numbcr 18597,2012 in respect oflhe similat issue is pending belbre the High Court ofcriminal procecdings before the lower court have b+en stayed. The matter is pendins.
nrar ol Co{perari\r( Societie5 Cenlral division. Mallesh$aram. Bangalore Cirv. Karnataka. has
pollce at Bansalorc asainst the N4anager and Forehan & Branch Manager ofour Company atlore ( u!. Karnaraka. accuslng o!r Conlpany ol charging e\orbiranr rate of inrercst on gold
I I lfd lllock. Raiaiinagar. llars!ore Citr-. Kanrataka on Ma) li. l0l2 bearing crinrc nunrber
!rrit pctnior lllcd b) our (innpan\ braring ret-erence nunrbcr 18597,2011in respecr ol rhe sinrilar
ion l. 38 and l9 ol the Karnataka Money Lcndcrs Acr. I96l and Section i ofKarnalaka Prohibiriunlnteresl Acc 100,1 lhe Wilsongarden Police Station. Bangalore City regislercd FIR againsl rhe
lltanch M,rnager ofour Compan) at Wilsongarden Aranch. Bansalorc City. Karnaraka on June 08.Itanch M,rnager ofour Compan) at Wilsongarden Aranch. Bansalorc City. Karnaraka on June 08.bcr 0ll8l0l2. At present. a wrt pcrition illed by our Compan) bcaring reference numberI rhe si!niltir issue rs pcndin!r belitre the Iiish Coun ol Kanrataka. under which the crinrinalwer coun ha!c bccn sla\cd. lhe nratter is pending.
o-operalive Departmenr. North Zone. l\4alleshwaram, Eangalore. Karnataka. has llled a complainrrc. againsr the o$ ner olour Conpan\ branch ar BSR Arcade. Bangalore. alleging our Compan) ofoJ intc.csr on loars ln !rol ion ol Sccrion I ol Karnaraka l,rdribirion ol Charging ExorbiianitI]cer in charsc ol rhc Sheshadripuranr Police Stationl Bangalorc. rcgistered FIR againn rhc owner' 30. 2012 bearing crime nunrber 0ll6/2012. er prisenr. a \\ r pernion fited b\ our Conrpaly
18597.1011 irr respccr ofthe sifrilar issuc is pendrng belore Ltre Ilrgh Coun ul Iarnaraka. u derdings before the lower court have been stayed. The mFfler is pending.
fl)A llcpur\ Rcgisirar of ( ol)pcruriv! Societ! and Regisr.ar ol Moner- tendin!. North DivisruJr.
ol interest on loans in violalion ol'rohibition ofCharging E),otuitant lnlcren Acl- 2004. I-he Vija)anagar potice Station, Ilangatorenst our Compan! on.lune Il. 2012 bearing crime number 0437/20t2. Ai present. a writ peritrun1ring reference nunrber 18597/2012 in respecl ofthe slmilar issue is pending bcfore the High Counh the criminal proceedings belorc rhc lower coun havq been stayed The marrer is pending.
: L Nara!ana. Arsi(alll Rrgi!1mr
crillinal ptr).eed ngs belbrc rhc o$er c
22.Sri. LD. Unresh. Ofilcer FDA Saha
wilh the policc at Bangalde. againsl
Sanghagala trPA Nibandhakar. Ilangalol! Cir). Kainaraka. hrs Illed a conrflnirrlnch Manager. olour Compan\ ar otllce No l l. lrq. Rajaiinagar. Bangalore (it!.
Susharrrx Br anch \,lanaqcr. \la appur.rinr
l)o
ager
'ir p
i{h
itt)olrlr
\rrit pelit
: lli{h Co
ol rl
peli
hC(
irlcl8
Mr
rhe
f(li
nd:rbitrlh
rlc!ill8tl.anr lr
Man.
he 1l
r(lif!
itt)n ln
:1li!
rale ol rnleresr on sccured and unsecu
196l and Section 4 and Section 5 ofKPolice Starion, Karnaraka rcgiKuvempunagara on Mar- 0i. 2012 bear
reference nunlb.r 18597,2012 in res
ing exorbitant rale ol interesr on loans in violatidn ol Secthrs 5 nnd .18 of th.Karnalaka Nlone) l.cnders Acr. l96l a
Act- 100,1 lhc Rairlinagar l)olic. Srar
d s(crron i dnd \((r'^r I ol I ir ,.,r.r1., Pr,lihiri,,,f( h.,rIinr I vrl.lL,, r l.IT,..
Raiaii agar. lliurs.rlorc Cir) or N.].r)
(lonrpaf) b.rrlng rcrir.nc. nrl b'jr. l0ll bcarirrs !rirrc r!nrbcr 0176l0ll. ,\r pr.scrll. a $ril pclirion liLcd b\ ou,
8597l0ll Ln r.\pccr ol rhc \irrr,r r\\!. is p.ndihlr b.lorc rhe ll!h (o!rr1 ol
KaDaraka trfder which rh. crimin.l cecdings btr'orc th. loNcr coun ha!c be.n sri\cd. I h\r rrrllu \ p. xlirg.
)r.HP. Kumar. A\\i\ranr R(:risrrdr ^i (h-operdrr!e \oL (ric.. ldfihere srh Dr\i\r^r) Bll qoad l.rrikcre. K.,rnn.rl.,. l.F
iniriated criminal procccdings againsi Mana-{er ol our Co prnr braneh sirrarcJ ;rr lnd !locL 'irLrarrd lll l(atrji \rg
Bangalore and tiled a conplainr $ilh ih. police ar Clricl, na-!rlui lsnirrn llrnrrch Ir.nas.r. Ilarile]( L)rurch. recu.i q (,!r
Karnalaka, alleging our Company of
Charging E\orbitanl lntcrcsl Acr- 2001. Ihe larik!r. Itlicr Srarion. Chrelitrnrgalur. l\lErnuka rcs nered llR aslrLr)n
Branch Manager olour Conrpany on lune 28.2012 bearing crime numbcr 0114. At preserl. a srit pclition filcd b) our
Company bearing reference number lrseznot: in respect of the similar isnrc is pcndirng b.lbrc llr. lli3h Coun nl
Karnataka. llnder which the criminal prbcecdings betbre rhe lower coud have been stayed. Thd malrcr is pendinia
,r'i.ri.\ ri\il.n rr\ifir rr.,l .rfrrfxl frr'..(l .!\r!.irtr .r r ( (,rrDiLi\ rfrl r'l .Ll
olsection 5 and Sccrior S ol rhe Karnaraka Monel l.cndcrs Acl. l96l rnd S.cl on I and Scctiorl 5 ol Karnnhka l'}roh bir ofot Char.ging L\orbilll t lrrler.st Act 100.1 Ihr Arasilterc lo$n Polic.slxll(nr. regislcred llR againd N'lafager ol ou,
aonrpaf\ brarlch bc r ng crinrc nurrrbcr llSl0ll lh.chirrye!rect rs\.t()b. Tlltd. Al pr.scnl- ir \ril pclilion lilcdb\ otlr
Corupan\ lr.rr n! rcter.rrc. nu rb.r l85qrl0ll if .\f.cr oi lr. '.ri|r \\rL. l\ f.f,lng h.lif. lhc ll!h (oLLrr ,'r
Karriitaka. undcr \hich lh. crinrlndl procccdirrg\ h.li)rc I r. lo$.r c.!( hir\e h!.r \ri).1 ihr nrtl.r ' f.f,l r!
againsl the Mandgcr. ol our Conrpan) ar ir65 A. lsr I'knr'. 8() Irc.t Roid. SllM (lolon). llrnsalor.r. Kanralakr on.lunc 01.
Codcoiarinrinal Prccdur. anl llrc s.url. $u\ gr!rr. l,t rh. (!,r,I or.lr]\ 0i. ll]il lhelr('lir.srrlLoL.r(!in(r.J litagainsl lhe Mafager- ol-(tLr aonpao) al 865 A. l!l I'kror. Ito I..r lto l. \llM ( ollnr).l r\gak)r.. Kurr lrka on.l('e l)l
l0|]bearingcrim.no.t]tt0tt.Alprcsent.:rwrirp.llrionb.arifgrelirorcrnur)rb.rl8-i97 l0ll in r.sp..l ol lhc \rn hr
\1alcd lhc rr.ilrcr is pcrrdin-s
13
"'r. l)rilkirsh llabu has lurcd a criminal procceding against our Conlpany inc nunrbcrl8,lll t5 berbrerhe Coun ot.theChier
llircelufdcrS.elion.l:0ot rhc tndiirn prnalCode_ I
Prohibirion ol chrrgi
Qu shinr ])cririorr ( ttlntercsr Ao illeuifg th.l our Conrpan) isis llled belbrc High Coun ol Karnarak
I:\orbirantP. 1778 t9
Nandakurrrar shich is ing The next dalc ol hearing betble lhe Coun ol
S krhi Sirgh h.\ instir lrJ , r1r,r',.r1 t,r,\J(rir! d!.,,n.r uU. r.u,npJn\nunrbcr RC-l No.l]0tlfJ n I,tnrl ( od( alt
rrlonl Judi(r.rl \4r:r\'rare t.,.., t:r.. J.rtainu t.heirS illcgrl aUcrion ol his gotd ornanrenrs. thc ne\r dMa).li.l0l0 and is
rir l,(tilir)n\
I ha!adanpir l,.per i{rne )has Ilcii I $l1l pclilion bcaring rclercfce funrKarnalrLa. B:rn!atore r!.d I,.((r.rl.Lr'r., -rr.. j:a 1.t r.{.or.Tdr\ rcqle\l
r hxnJo\Lr ll(:old p,(trc(d h\ lh( t,<r,tioner and b\
inro thc comptaint regi
quesred the ttcgistrar ot Mo,rey Lendir!. Karnarakarcd b\ lhc l,ctirifler thc $rtr pctjrl(nr js posted lbr
krnthr,rtu ( 1,(l orr.r"l
h\r d lc ol hrrring $hi
has liled . Nril pelilion blaring rcl.crence nunrber.l
\irs on Decenrber 19. 10ilJ. Thc nc\l dale ol heari
06. 201: againsr our CoDrpany to issue a wril otmjtioncr. d bt li:i g lhe inretun palable on the roadiounred on thc tan datc oJ hearing !rhich was on
direcring our CoDrpnn)llre Peririoner hat atso
llangalotu dar.d Dccrhc sold pledged b) rhchearing. 'Ihe maner gor
has
05.
in
r'ilcd ir \nr p.l( oir bcdril]S rej.rc[.e nLnrbcr ]91?012 agaifsr our (ompan\ rbr rhc issuancc (]1 ahs arrir\r o!r (oripan\ ur(lcr lhc provisions
,U.l J\ FtruclrJ bI rJr( Rer.,ral ot I ouperar \e 5rng lhe lhj.U re:pondenr being the RBt ro cdnce, lhcl.r dnd c\rdnt d,rectrun, the $ar perilron rs Do\ted t,r.h $i., n l\L(, o(r iw. rr,tx ih( r.,r.trr.lur n*"
Illcl ir sril p.liliur b. rng rcl.ercrccil 17. :011 aganrsr our Corrpan! sought
mpl) $illr guidetincs issled by RBt ;ndcurrenrlt pending.
lhe H i-sh
') has lil(d | trril p.ritioI bcarins rrt.crclrcc Iumber l
ru.rr.r,J. l.rL rrr.,rr t-,rc.Jirr:.,.rr.i.I.d b, orr Cl_\ rr( l\'lrt.,r.J. .,,",,",-,,, ,,,, , .,, p,,,y ti,. *r,
a writ petiiion bearing reference nurnbcr 587r:0tiur Cornpan) a eging an i egal auction and sale ofI under lA nlnrtrcr 5li/l0t.l in
1A
irccting ihe opposite parties not to
crime number 341,,09 pursuant to a criminaletropolitan Masistrale. Baf galore. .Ihe
aboveard under Section 3 and 4 ofKarnalal(a
harging e\orbiranr ralc oi interesl on ptedges.tbr quashing lhe charge shecr againn V.p.
istrarc is on Aprit 19.2020 and is posred ti,
t to a crininal comptaint bcaring reference
er .19.+0.1, 1012 bcibre rhe Hish Couft of
ase filed for ofences under section 406 ol.thete ol-hca n-!l bclbre Coirrl ot N4agist.ate is on
lbr lhc issuance ota wrtt otmandamus anding rre interesl payabte on rhe toan ar t4o/o.
second respondenr). to expediriousty enquiren3l hearing. I he matrer gol ad.iourncd on rhe
5r 2Cr il bcli)rc thc High Coun olKarnataka.
at ll9,o lhc rrll periik,r rs posred li)r Unatber I9.20t8. Ihe next date othearino ir
| /:0ll belbre rh! IIigh Co!n ot Kanraraka.it of,nandamus or an appropriare \!rit to
of thc Karnaraka t,rohitriri(,r or.Chargingies, Karrataka. the t,eririoncr has aiso
license accorded in ta!our ot our Companlr llnal heann! I h. nraUer !or adiourned on
I :0ll belirre rhe ltigh Coun ot Andhft
amus directing our Compan! to handover
to dircd the respondenl being lhe RUI lo
l8l'l0 ti bctorc lhc H jsh Coun ofAndhrah CoUn ol Andhrn l,r desh. ltlderabad tonrpan) dared Jut). t6. 20t,,1 for rhe auctionelition is cLrrrcnrt) pending.
.e the High Coun ofOrissa, Cuttack dal-"d
the gold pledged by rhe Petiiioner wirhour
ornaments pledged. An inrerim order lvas
A1
handover thc irongaged goldpending.
7. Panchanana llehcra ( Pctili(rrcr") h.l\Orlssa- Culhck of Aulrusl 16.201,1
te n nat ng lh. Pcliliurcr's scn ccs
original dcsignalnm ie. branch nrana
lo lrcal lhc penod ofser!ice as rerulabenellts. Thu nratlcr r{as lan lisred
listed. The $rn pelirion i! curenlly pe
8. Sreekala AIr (-P.tirloncr")has li cd
Ernakulam on Dcccmber l9.l0l9Govemor. Rll l. Bombat(1"' resp
Company Sccrelary (5rh respondent)
respondent. The nratter !r,as last lislcurrently pcnding.
g. lilll anl Sl,lll l)roc.cJ nu\
L lh. Rlll hird rccci
rrls lo the ilrer or pu.hrs.r rrll I .bruu\ lS.
il1rd a $rl tcririori hc r! r.i.r.r!c fL,frhLf I
rrr.urir\r our (tfriflr\ ]i,r qu,r\h rr rh. l.lt.s r brlnch rrrrrrx-.r L r. l'].lir tr.r ...1. .rr \inIt $ilh our (irtr1pan\ l'Lrrhc .1hc Pet lo|(r alr
' lionr lhc dal. ol llnnirarion ri rh. dxrc ol r.irr| \or! rl'Lr 'o '0 .l . r i r( r'.rtrrr $.,1 rr !rdinS.
r sril p.lir ( l)!i,,f:,.lcr.r.u,ru !h. ir(r.t llin\r Slrcr.rnr\. Nlr r \t \ (il l rrr rc. \.$ l). hi
elrll lo lakc rcrlorr r.!.,ifst rh. Nrrf.r lrrrIr I
rrue-.r.lori l' \".,\ ,,,1 l'r(l(ltl \.".'r \xrd on Nlarch 17.1010. llr. rrat.r has fol b.cf
a,ar]
ln., ,li
,." n.1
(allrd
.,r,,r,]i .,,r l
.,1,1i,,,]
n rinJ
lht st L pct,t or rr currr rt r
li)l I h.ji,r. th. lli:rr (',,r,1 L,l
nrifrrion (litle(i lnf. ll l0 I
r..r r:l r , .r r'r.rr.rrl(lr r, lr .
\rd riir il (crLf! ,r ( ,) ntrf\rrcnr \ rrh cofs.qu.nrial \er\iu.upon Ihc rlllur his rror t)..rr
.lo . rlr. I I itl) ( o!ll t)l l.ir .r .r
nh.r\ 'rcl, rr! LliI..liorr r!r f\r:e l. ll r!.1 r.pr.\.I.1 b\ il 'lhr d rcclion \\!c(l h\ th. l
d lirrih.r lhe \\ rlr fcl 1i(,,r i'
dcposr slips tbr M
deposired with rhe ls$as no k,rger allowra nol]- e\irrllg cornp
ro aclepr LI<to!r\ lro,rr rl'c Dr'hl.c. r'r< I$.r(r lad rlujalt\ rr n'l(rr(d rl. depol,I. r,'
lirr V.P Nnrrdalunra
ny wirhour rh. knoBl.dg. ol th. dcposrlors llrir lssuar had oblaircd anlicipaloq biril
l_hc l'elirioncr had r !, $ush( an RIll .r'!ur^ inro rhc nr ncr. lhe l{lll ad!i(r(l rhc
Issuer ro stop usrng (he brarches ol lhe lssudr lo cross s.ll lhc producls ol Ihc grcup corlrprnrcs. . nlcd
companies and tirms of V.P. NandrkLrnrar and ensure thar lhe lssuer mainl;iirrs arr ann s length rclarion\hrp
with ;ts sisler conceris and relared tirnrs. and directed thc lssuer o imnrediatel) desisl tiorlr allo$irlg lh.
usc olthe lssuer's piemises. branchcs or ollicials b) Manappuram ABro larns or an) olhcr cnlit) lor
accepting deposils tiOnr lhe public or lbr any olhcr llnancinl aclivit\ and rc nlso clnr f\ ir lhc publ c ilorrrlin
thc nan)!'s ol irs groub enlili.s shich $crc rcs lrtled br Rlll hc l$u.r rcshondcJ ro rlrr Itlll !lrril\1rr:,r\posirion and inlbnnch lhc RBI rhar as ol Atril l.l0lt). rh. rorrl oursrarldir)it dcposirs larin: rn rFer,,s
n.co!ril \a\ l{i l(rli rrill(nr 1r 1ir.. \li,rrftur,tn \!Lo l.rrrrr' lrri ir\!r.l (i(:rt,r\l 'i,. I' t,, L .
cuslorlrc \ lor l.(\ l0l0 rr liorr . rr!. \t),i . l0ltr riJ i\,rr\.!lu.rrli\. r' ol l)!!!,r)hr, I l(ri(r rrJ
oulslafdingdcposilla\irrgirrlht.ren)nirccounri\11\0t)(r1 rrrL lio,r lh. l{lll p(rritr,rnL f.ir\l.1rrr ,hr.,lJrfuar\ 01. l0 5 !ooljrnrcd n\ .rcl,rro\ L!dg.n. rl or I r. \r it!s rtutrrl.tl) \lrlt\ rcl)o1\ !LLbrLrr.rl tr\ rl.Issuer wirh regard to thc deposils collected by Manappuran Agro Fanns and also slaled thal lhe r+rl! ro
lh. ltlll lrad llrrough ils lellcr d!l.d iLlr\r Il0I rs{ .J r \h(i$ ci!\. for rirorlr. l\\o.r '.il).!r ,'i
(i) rhe non d.clararior) b! lh. lssucr ol lhc r.s.r\c pr e! durirr!. rhc rucliof ol qotl o rirrlr.fl! fl.dS.tl h\
th. Cusronrer: (ii) non-inlirlration()cuslonrcrrinlhec\c,rlolanlchan:.ciflhcP!ril)ol sol.l 3r ir\sr!!..1
b\ rhe compan) sutr\cquenr to r dishrrrsenrcnl ol lh. loarr: ( ii) stlixinu ol Iigh \a !c l(trrns ercarer rrirrr
It( 0 | nilln)n !o thlll Ih. loirf Ji\l.rr\. rrrfl. rr.LJ. ,h(,\. R\ (r I ril iLi, r . ritrl. . .rlr f(llJir]! rlr.
i!!ucol uficros.ied chcqucs \ rll.di\hLL \inv rr r\ iLho\. lt\rr I rr ll on ) l!n n\l $ hich .r\ ' \ r\ $ ilh(lr,rs r
r.ro\\ hrrrl courrl.rs hr crrtorrrr. Li\rtri'L rL.r (,r rrl,|.'L \nr nrl $lrr'J'l ror )rrrL L
d.11|lli srch a\ lh. dnr. ol llr.r!(1i(i . 1lr! \! r. rhc irr.rl!, 1,1 (.r ,rr losltrl\ f,,,,. ), I irrf ..1 ,,f.1 ,,r'.'
thc rho$ cause noric( submiltcd b] lhc lssucr is lnritc \ lc..tlrhlc
charge\ rcco\crcd durin-g aucli()n (inrL!dlrrg rrol co,rdtrcl rs.ucrror! xl designrrrtl hrir(11.\ orr sllc.ill..l
clarificalions on the poinls obiervcd along with supporting
1t
rt Ihi\ r(gdrd and rl(o nro\ ldrd
March
Pri\atc L'l dirg)
in li
inlbrnrari
orher SC
SCN C
On.lul) I
anl s('Nli t0t9
n.ccssar\ clarlucati(nr\ an(l e\ptllnalions to R3t ir the pePursuant ro fiis. lhe RIll !idc ils tctrer dated March 28. 2018innructions oi RBI penaining to dcctararion or reserve pricaLrclron prccess. pon auction inlinration lclrer and disburse$h,ch lill l,c conrinuoosl! nonirorcd b) rhr ttrll
lhc C \ rc..ir.d lclrer ltonr Sl Ilt. (tll(d Seplembcr ldirccti s is!ued ro llre Conpnrl) L)) thc Rllt !idc elrcr
,,n on $ltrl<" rrr< ( ,,r.rpanl n,rLr o,r .t....d -I corporarc disclosure practicci. in accordance wir(D on rhc I n)c ot opcrrifg rni ck)sing ot tradin!\., Li' i.i..L "r.ir..,t." r.t...u..;... r..,(,J'
thal it \rould bc rcponnrg a loss ot.up lo {500 nl i
:r) l0l: rsrre ol lh(.\fccrcd toss trcli)re rht ot.ticial annoulhc dcliris ot lr din! h\ lh. peBons on lhe scrip( (rntr|\ lionr,\[]hir (.rt lrt I)ri\nrc I inlir€d. Cor
rcnrhcr 10.l0li narjns ltrrt the Conrpan\ rvas ararequaner |vhich Bas undellakcn in rhe firsl $eek ot
re ol hc e\prct(J o^e. 4d rhe ,nronoto$ of cverl0lj , .,r.nJI! tfl. dLJd.liu.l.r ) rltorl)eo \t tst lh
ifconrplrancc Nilh lhe..codr o, inrcrnal procedpractjcer' were also soughr. The Comp3ny has resp
r 6. l0ll l-h. Conrpan) has conltnlcd rhe tinnutand codc oJ corporatc djscbsure practices.. in acco\ith !ll th! irltbrndi(rrr !)u!hl.
hils pL!\uarr tu errlaits dar.d t)ecenrbcr 26. l0tj. 141 1. tlre pr^ha^i . ot',.ur (.ornnnir\,cnot'ir j ndi\,r -d lh. st BLoJlt.l ntonnzlior fro|r t
ral l,ri!ilc t_inrired rhroush ir\ e-nrait conrnrunicalihrrlrd b\ Corrprr\ $ rh ,\rnh I I,ri!ale C pirat l.jnr
udlcalrng {)lllcer. l.nquiris and AdlLidicarton jJepartbri[ing r.llr.rcc n!nrbcr lSI]Bt IO IjAD j JS DJlN ) ro Conrpan) and olhcr persons inctudinp I. Lrn:r(d lo' rl u rlt. r(d , iot.,rio.i\ ot ren,ril R(!utdtron\csul.Iir)ns. l99t nnd Sfllt (Prohibiljol oftnsider I
nor.\ i\nr.l silh r.lircfee l(j lhc LJir.(lio[\ ot.theb\ thc ((nnpan) s direcr(trs. ke) pcrsonnet and c
li.r'r ]i.,jr.r. .,t.!r. $ t \.1-i., ,t ,jt \(cu lSl:lll /\cr. t99l rc.d \lh.enrirl R.qLtaliolrs ot S
ilr. si.March l
l0ll w
SI J]I r\dt9. l0j9
ic.s rcllri ! lo Si:c!ritics N,t.rkcr)R.gutarions_ t00icof(fuclcd intcsligalion iI lhe nra[cr of selective
n by Conrpanr tbr pcriod tionr N4arch t. 20tj tonolices lo subnrit rhcir repty with regard to their respnrrf iflornred SljUt otils inrcntion to filc setrrcrnen. l0l9 Conrpan) subrrri ed ! dehiicd repi)r to SlBl ootrces No. i lo -t and 8 io t0. t.u her. Compan\ also
) RegulatloIs. 20]lJ on beirflll.ol.MAFlL and SC
16
Dolicc\ No. I lo -l and U ro t0
20ll seeknrg infornrarion in relalion to rhedated Februaryl, 20t:. Ihe SEBI sou!hr
I hearing granred to the tssuer by iF.ised the lssuer ro srrictl! lollow the e\tanr
cenlllcation ol purit) ot gotd. conduct ofof loan anounr in cash. comptiance ot
ol internal procedure and conduct. anJ a
lll $rrc n)u!hl. Ihe dctail! ot pcrnissionsplolees lbr dealinq in rhe securities ot rhcre and conduca and ..code of corporare
ro each ofrhe queries vidc tener datedion of thc code of inrernat procedure and
h Sl Bl dir(rri\e\ Thr SIBt Jt$ louuhr$inJo$ lor rhe nrriod Jrnrrr) t. 20t2 rulhis rcgard $cre atso soughr. F.unher. copies
c sith SEal Rcgutarions and provided
tive profir for lhe quarrer ended N4arch I t.
blcrvcd rhal in the boart rrlcerlng hc (t on
an) has respondcd to rhcsc qucries b\ jcller
ccmenl was made ro thc rnarket on MarchCompan\ alrd rhe dctails ot.the servjces
these r\pccrcd krsse! during ils rc!ie$ tbrarch 20lj and disctosing rhe persons who
leading to rhe officiat announcement onit lvas flerely seeking consutrancy fi.om
dared January t6. 20ta. howcver no dara
rnl (EAD) vide lj^l)-l nolice dated Ma\W l,i l1577rl,20t9) issued Shor Cause
ikrishnan. Sachin AgaNat. Anrbir Capjtalnder SEBI (Prohibirion ollnsider Tradnr!rdins Iradillg) Rrgutations. 10t5. Ctaus:Contracl I{cgularion Acr. t956. Secrion
with rcspeci to when Company couldthc nanres and addresses of the pcrson!,
isclosure ot unpubtishcd pricc sensilive
Bl (l,krribirion ot l,raudutefr and Uni:riras more specificaitr provided in rhe SCN.Jrscrosure or unpublishcd prih 20. l0ll and had dirccled C,
i\'c alleged vlotatn)fs nrenrioned rrr thcappiicalion !!hich \yas accepted b) SEllt.all the violalions a egcd againsl MAFIL
ubmitred a se lement appticar;on on Jul!l\change aoard ot tnrjia (Sentcment
.1.
5.
re(ro,. hd\ rec(it(d J .l,ou .aL.< r,or,(e u ' N,\!n'Fe' 15. 'rr j r,r ! ,,,dr 'r .,
:,ul rh(Sl Bl {SuDnJnrirl A!q,I'rr.oIul'\l'a-('dr)q l.rlc,tr(r)R.jLlrr."i,s r'''|ll.dra.lurn'd'r '.1 ,lrJr(',nhirro\\ilirilrrJ.fr'iu.,lhd,i,liri.J\lLr lJ'h\l(Lrr.i
Shailcsh Mehla. our
regulation5 7( l) and
has responded to thi5 olr causc noricc ol l)ccembcr .l. l0l l arrd in the pFrsonal hcarirs on lanu f\ 8.
l0ll. lhe adiudicati orli!cr rgr((l lo t.rfrir \irr (\, \l.lrll rn rtrl.of\.fr friu.fLlrfti \lrr r!rll). l0l1 Lfr f t.(l 1r. i(liu,li.llr|!r nlll!.r .l lri\ lrrl(rti(,rr 11, .r\.Ll! rlrr .t"('1Mehta has on Janua
proceedings.
lclrruir) 19.l0ll. i(r
V. l'.. Nlulhu Uhask
Sankaranarayan) werc
tr:ding policies. coplrlre Compan) by M. A
St Bl has !ide irs ils dated March 5. l0l.l afd N4uruh ll. l0fi r.!{csrcd lirr ce irrn irlb n.rrion
rclaling lo Nlanafpu A{o lrrni L i!lrtrl f!- rr\ hrrrL i!.t,Lrfr \rr(.rl]u,r(\ l(,| (rrr(ih( L l(rL L(1
iled llfancial \larc,I.nrs li)r lYl(rlLllrandclarillcalion\r.lo$htlh.rScnn,ir. K..S. Sudhi\h. Sarada Sunl'arirnrm)af ($ilc oll indepcnd.nr dirccror A lt
designated as cnlployees or dcpenden6 lbr lhe pur#se ol lhc Corrrpan! s inlidcr
fthe resignarion ofAlhulya Suresh. inlbrnrarion relaling ro rhe rransler ol shares or
ndan and whcn rhe Company was inibrmcd ol rhis. fhe (lonrpxrry has respondrd r(r
SI'lll s rnralli ollf rncial \lalcrrr!nts li
trt'.t0lJ..IJVdr!ht1.:1,'lprr.'rd.rrrrlrrharl{Lcor.rnr.I.r'JIr.J,idd,r{lr.,lrh(1(\.,,,r t.,\',,J.'(rr',:1.,1, '., \.r,,.1) r \.lrr'l' l.,rJJ \' \. rlar r" I
V P.. Murhu lllrril'ar. K.s. srLlhi\h nIU f.r Ll.s grrarc! cnrPlo\..' lin rh. f!rr1l'r'c ol
llu eodc ol (o,rduct
Co pan) ol rh. !al.il. Saradr Srrk.rnfu a)rn i\ l dr|.rd.rrr xId rhnr f1 ,\rrrrrdrr hrl rl(! .!l rh'
irs sharus o Scplonrb.r 6. l0l-r.
SEal his h) rls lerlFr daled Mir\ i0. l0l4 observed lhal lrrere navc Peen uera\s rrr Prtrc(srrrrs ('r
,<rureriJlr'.fl,or,.q,,1.'r..,ri,"".r.,.,rr1-Jrluirr' .l!l'r\'l'rr \''r'rr'r 'r' I'js!'n.d\htllljc.lliljcal.s.'|.lr.Aeqr]il!llx'jjil\l|!l].nl'c.lJl.!1,!'rl.]ll]llllc.llil..llll.llll]i.].11\s.]'onitclouilolnorr-rr\rilnbilil)ol\rrrorr.\\fr(lr.rel.\rrLJ.r.rrLrr'i"uLn"$r\Lrr\rr''f)irlLr'lanrl there wcre dctals in collccliur ol lhe origin!l derlr r.gisle, lloirrh.olljefol thercgr-Lr.rrrrdtrdr'i(r
alcnr. as lorrecrve rl,eas,rres. rrrc a(qurrer hrs proposed allotnlcnt of debent res in ph)sicfll and denrir
fonn, aer,rnann.: a 'fniot,nrnug.l" r. co_ordinalc witlr the rcSislrar and liansfir agenl and cns ring lhirl
rutll.renr .opre. ofrh{ drar( ((nrficar<. arr d\ ailahlr $ irl rh( r(ernrrr dnd Irarr'l<r 'rgtnr'
sHI has rs,u.d " noii(( dar.d AulusL r,. ]rll urrd.r sccr(rrr I 01 rh. St:Bt (t,roc.dLr. tin lloLdr-q trrttLr )
rnd lflpoeirlll Penallies b) AdJudrcdrrng Otllcer) Rules l995 lo our [4anaging Dirccror and Chicl
lxeculive Otficer. V. P. Nandakumar. our Direclors l. Llnnikrishnan B' N' Raveendra Bahu and otrr
Conrpa,rr Sccarary. {rjcsh Kunur. I rhrs nori.c SEBl has obseNed lhar thc RBI issucd a prcss rolersJ on
r,,bra^tl0llslallntlhulourConrFl\cirfnolrcceplorrtre$pblicdq[)silsOnIcbltrar!]l0lllh'0".. oi.,, corprJli,serrp dellinrd h\ ogioa liom th' prc!inrs rrqdins da) lhe NSll suspccred
insrder tra.lin: br ccrlain efrrlres $h,, \,,1d rh(ir sharc\ pr i(n' ro rh' Rlll prc6s relca!' l:unhcr' of lr'llrLirr\
:. :or: rhc |rirrnc'ar[esults lbr rht rhr(u frflhs perhd cndcd l)eccnrb'rtrl']0ll$asannounc'ddnl xrr
inlcrimrll!idendwasdeLlar€d,lnac(ordancewilhlhesl]Bl(l,l1)hibitionoflnsiderl.rading)Rcgulaljo|s'tqot dec taralion ot tthancral r(sutrs anJ d,vrdends are price sensiri!c inibrnlalion and the trading lvindo$ ii
to bc cloled durrnq Ihis period Alrhou!h. lh0 trading !vindo$ was clo6ed tiom Januarv l7 l0l2 lo
lebruar\].]01]oUrConrpdn}Ilajlail(dro!.,n1pl).Iilhrlrer!lcvnntstiBlRegUlaiionswhichrcquitelhtllrr'r rrr,-rlnr *rn,]os io r,r clo,e,l r,,r.r lrr ,,! uI ro lr hru' xr'rcr rhc collNar' rnnourccrrrenr on rhr\'
3,orn,t'. irut r,* ,{u.,i a,,,r,.. r,, 'r,'\\ (,Lra. as 1o $li\ 'rr nql|ir\ \horrld rror l'e hcld 'rsitinsr rhc'r 1'r
;iolation ol tlrc St'Bl (l']rohibirl(nl ol ln\iilcr lrading) l('eul'ir(rrs lq()l ^r
id!rrricr 'lr()$ !xr\r r1'rr"
dar.JAu.rusro.l0tihasalsub<cri\\u(Jrut'ur Conrpurr) \\'hidb'unp'o\id'J$irhal"rtr)Jol llJr\',o,.'0o,,",1. W. tr,,] ,.plied ro sl-lll b) our I'irrer Jdred \tprumber l' l0ll r(qucsrirr'! lor p(nrrr\!oI rr'!
undenrke rn'pecrion ot all docun,errl' dnd re. ord' r\ J'lable $ rlh \l Rl in relaliorr lo lhc 'ho$ crusc nori"
Or a re\i($ ol th( dpcur ,(nl'. h( h.\< filrd i .on'(rrr dppli'JIiorr dol(J \P!(nrh(r lq l0lr dlonB $ r'r 'rrr
,." i*r.on a.rr"J Nt]rernb(' r). l"ll li'r !"lrrrtarr'' r'l 'lJl'r' ln ' r "ri'drr rnrl( rrr'rr \' rr't\\ 'r ""'l;; "',"""...,".i"'",,,,' d .. r,!1r(, ", .,,..',..reR\$'' iJ' ! "n'{r nrn \\(
(i
hrr\c aln) rc.lUcn.t th. St II t lerrai (.onrnrilrc! and rhe Ilscul.lrcnl xnrouri corrnrcnsurat! $ilh lhr nrlrirs ot thc carsanrc
i! l [] an,r firrrt lcll.n.nr ol irt] fRrcccdrn.Ls arilinrl\Vl) Ia\. r(c\.r!(J ( t..,ra.nl , dc. d.rh.d \LntLrnDer ti.
AU!tr9 a'. lU l5 $a\ \\ued t,, th( JpotiLdnt, rL(.rin! that th.nl p<1id lh. scl crienr anro|nl
sl: il I
\ P\vil. lrs llrlrcr \to. SRO,KLo I)MU OW,CtS/29
Rcgu
.1..^ rr r ,{:lr ,r .,r,r..r1, i t.(,1.r r,,r,j t,t,.r,.,-, r\. ,,i .i((,"r' ,. ,.,rr, :rL\,, |1. rL'r..t,r,r r,cr, , Jr.o, Jlll-:r.,rr,.rj ,,, t,,.,u r.ri.1,L . \.ut. iur ,,t rt r prot r\
nons. 1999 and SEIIt Acr. As per rhe abovemenrionedroceipl of conrplajnts by Sfllt under CIS reeutati(repli on Ocrober 16. l0tj sccking nrcrc rirneio prcrnrar prc\ id.d lhc drraitld rcni\ abn! $ irh retevanornhcr.1. l0t5 r\ v,U!hl h\ \t,Bt \idc irs tcflcr d.pl) SllUl rjde tt! t.Ier No.Sl{O Kt.O DMl,.Uwehrilicirriur and inli, r)alion hir\cd on rhc docunrcrcfh,,,r \4a\ 0i. j0'ornd Vd\ 71,.:U,0dt,, c$rr!( ncd on lfc rct,\ p"o\ idcd h\ V- V p. \d,rd;lun
ll hns pur\Ulnt to its tc(cr dlred ALlUsl t7. :0l] so
'.li:':.'"r"*" d cd |ebru rr 6. lOn in respecr (MAI ll or b) Nlarrappuranr A!n) tjanns is an offen,d 1o provide details otthe correspondence berwcenp managerrlent had anl, rciationship sith certain
'd lo c.rcl, ouen rdi,(J in rl.( io,,\( r1(r,tr.n..J terrer.r(xrrn hJ\ hr(n r(cr\cd korn \t llr
' has bccn nrade panl ro severat consrmc. cases whi(jr .di\purr
rrdr.ssrt tnnrnr. thesc cases have been
provid
lhc Sl,lh. RII
ol its
h. ( 0nsu m cr t)i\pIlcs
l( n., \ t,' nlrrrrr,u\ t i!rt .Jit\ uhich arc pcndinu b(
: :,]] ll,*. ,l , ,"". ,,,, rnd. ir cr,,.rin .rhc ad;,io
I lx norhLc,lrd !ood\ a;d n",*i".,".,:1,,.;;;,.,..,r.lrrllllc r,! il,,D aLrdroniIs rh. gord or seiznrg rher':r r,rr1,rr.\r "r.jrrr..,,,,h1.r...r rr|r rrr-.,rr. iorn' 0c(n trlcd \) enrptuifu. i (riI! rhJl rh(tr,(^ r( e5
,nrd trcspns5 th( p(litidrers jn such eas.s havc atso
;:1,1,,, ". : .r ri.rJ,'.,\.T,Ir,,r!h<rir..\Jfi
on Aug!sr j0. 20 t8 has d"rermi,ca rtai anfpena
18
civil litigalk s aga,rst tlr_
r "$ercu n urt\ur\ C^r)rfltrce ro rrfile at .and halc e\prcssed oL[ $i ingfess to pa\ th!oul o, lhc nolier. I hc Conrnirn]. direclor\ and015 iJr respecl ol rhc shotr causr iorice dntcdviolared rhe provisionr ot.rhe code ol.conducl
2015 daled Oclober t9. :0t5 to Mr\ oi MJ JfpUram \sro tarms ( MAGRO ).rnr d(rail\ arDuns orher panrcuta6 under rhrons olSliBl (CoJlccrjvc Invcnment SchenrcstSEBI letter. the intbrnrati{rn soughl tras basedrs. Mr. V.P Nanadikunr,rr had pro\rded Jnijc rhe J,,cuDr(nr! .oLrhr br SEItI Mr \ t,supponins doc!nrenrs on Novc,nber:5. 20 t5
Oclobcr 19. l0t5 ln cofrinration io thcP12016,,116851 daled [,tay ]. 20t6 soushtrls prcvjded eartier Mr V p. Nandatunrarrelevanr/supponing docunrenrs and SEBI has
hr rnli,nnarr.I tron) M AftL srrh re5D<.r roMAIIL stJtrn! rtror ,cc"pr.rni. ofacno,,r.punishable Birh inprisonmcnr. MAFIL hadRBI and lo clarit,y !rhethcr MAFIL or anrons mentioned in rhe tener. MAFTL ha.sits lexcrdated Augun 27.20t2. No funher
are now pendin-a bctbrc various disrricl aidled based on a cgations of deficiot inrproper prncc\r<\ t'or cunducrinp'rtren! rer\ hr:h intrree rdre\ on loan,
,re various couns in ditTerenr stales. Thek,ofimproper proccsses tbr conducting gotdrres on loans. Ihc pcriiio*^ r,"* i"',r,ypothccared vchictes tn cases wtrere iheto bc illcgat and loid and tbr return otrhr
ve been wrongfirlt) ternrjnared.
rts in diUerenl slates. Ihese cases haveng non pa) renr ot rcnl. enhancenrenr oflainred danrages and nrcsrrc protjrs As ot.
cou|ls. lhe debentLre comnrittee ol.our
i. Cn it Suits
,ur ( (rnD, \ h1! h,,,-,
subsidiaries. group conrpanies ol rhe
malerial pending c ivil liriSations again
$hcr. lhc rrrtrrfl c\lccds l{\ lli) indi\ iduall\
LOur Company has been made pafty
cases have been tiled bY c
conrDensrtion lor dcllcicncv in s.
4. A few of our enrployees have Uled
relile to non-payment of minimum
a tew cases llhich arc pending bclbrctbr reduction in lhc auclion anr)unl
and rclum ol p rdlrd g.od\.
Ihr l) s lrrc l L.
ies against tlre Cornpany belbre various labour conlnlissn)ners and inspectors \rhichr-lres or ovenime wages claims tbr arrcars olsalart. Fncashnrcnt ol lcavc- rcliind ol
Conpitn\ h;t\ he.. frrd. r prtr\ lo !$.s h) iu.fc\ rfl)ojrrr.J \..ur r\ !r!rd\ h.to (n1d olliccr. slri(h relrl( 1. rrof frtnr.fl ol ririrrrrrgc. ()!r (orrf,tr\ risb!.,1r[riL)roj rl]. l,r\f(fr.l (; rL!rt \il q.l ,rrJrh.,rl.\rt.(!rJ. .L.r S..1,1,. S
or'1h. i\] nifrr fr \\,r,r.\ .\!1. L,) lS ir . .rr t)ir r,r th. iiL .Lnr r! tll I r. .L rf..L .r. r\
against tlre Cornpany belbre various labour conlnlissn)ners and inspectors \rhichor o!en,ne $d!e.. cla rn' lbr irrl.rl or .i1.,,\ lrn.a.hn'cnr ol '(J\... ,cr'n,J '
Rulc l9(5)itrl Scclion lltll). I.tULe ll
5 \\'. ha\. Lr!.f n.dc r flrr\ ro ccrra
\lrl.r ixl ( i\ il ( rtcs in it ix b) Our ( oDrp.r'r\
2.Our Compan) has filed a special leave
India chrllcnging thc conrnron finalj
salar) deduclcd or rc inslat!nrenl. O
Iligh Coun ol Kcrala uphrld lhc o
varioos lnbour comrnissione15. couris
madc a o!n\ ro cas.! in r.l.rlon Io vi
challeniting thc arbilrali(nr a$ardr orr
placc ol arbirLallof and rh. rLairrs
iustice wilhour lhc oppol1unil\ ro bc
Coun of Kljrala. our Conrpan\ had
Commissioner ol Corrmercial'l_a\cs.
L.endcrs Act. i9.16. as arrcndcd lioDr
Conrpan) lcll $illrill rhl: r crnirg ol
proccedrn!' llled b\ pe^on..r!flrnn qho'r arh,t14rion fl$ards hJ\c ne(n d.r*.11r procced,n!\ rlled b\ pe^on..,!n,nn qho,r "*,,J,'* "-".. t,," ".", ,] .. ,
rhc tsro nds ol lnrproper \enrc.( o r,'r((o, lI( dtt,,inr,'(trr ,'lrh( dhirrar,lr rluldo(ur('nr. r(l,cJ,{r l\ rl'u ( r,rp.I'} ., d l,i t,,l l,or',.1 lh( trr,(rtr(.,'r '+r"', I
l.Our Cornpanr' has iniriared 57 civil c agxinn lhc o$rrers olthe l.a\cd pr0nriscr in which our Corrrpaf\'s branche\ rr.locarcd. Ih.sc c.rc\ ha\. b.rr Il !d lbr oblaining ifiurcliont as ln\t osrrcr\ ol lhc branch prcmiscs k) pru.nl lirrcjirlc!ict of and lo.n\uru t.xr.lirl iof ol lhc trcnri\.\ li,r .(!nf.rr\uliof rnd .rco\.r\ ol ad\irnc. \rbrl'ill((l
^r or rh.
cars pcr if! l..ri,!. \Ii,,!' ((,u11'dale ol rh s DLc osurc I)ocun!f1.
peririon (Civil) bearing relirence numbcr 15045 o1 2009 betbre rhe Suprcnrc Coun ol'
with such writ peririon. lhe S
filed d wnr pelil'on belor( lhe lliBh Co,rn ot Keralu cl,dll(ngtns ll,c order fl'll,.Kerala. whi.l, drrr\l'orrr Comn,rn\ I,, n','iJ(r rrndcr lhe pro!isinn\ or K.rdla Y'rn.'rrnL ro li,r'r ' '}'\'11 A', L( ',r'il( i.r,r.( ,lrl\ I'r.,ll',i'.r ol KJrJ.., 1,.'lJIl,[r.,,r_moncl lendca irs dclilcd urrJ.r lhc KMI A (\ u p!al. llr. di!isrur bcnch ol lh!
ol rhc srngle iodg. dal.d l:clrnrrr\ l{. 1001. and disnrisscd rll Lrppcnls irr cofn.!riorr
Coufi of lndia has adnrined the alorelaid spccial ltave pttiliorr and pursuarrl (o lrr
rhe operation ol the impugned ordcr ol-ihc divisip bench ol-thc Iligh Colrn ol'
hy its order dalcd Jul) .l.20ll ordcred thal thc stay grar)red carlier would cohrlrr!.
and order dated Novcmbcr 18. 1009 passed b) the division bcnch ol lhc llish
pccial leave pelilron lvas listed ibr linal argurnenls or February l2.20lU bul $as f.1
not to take any coercive action pending disposal ol the wri! petiiion. The nl4ltcr is
order dated Decenrber 16. 1009
I our Corrrpan\ hrs lll.d a \ri( pcrlr(nr
L-cnders darcd \4a\ 8. l0ll and lhe
shich stipulale lhal our Conrpany t-a
Kerala. furth0r. thc Sup.erre Court h
unril lhe pcndcnc) ol the nratter.'lhc
takcn up. Ihc nc\t dale i! r$ail.d.
Prohibition oI llxorbira r lntereil A
lev\ing 0rotuitant nreresl rates. lhe18597/2012. direcrcd the
Pending.
b.tarr the Kanrirrakr ll Sh ( (nrrl ag.rin'l lhr orior ol lhc l)cful\ l{cer(rrrrr ol Mo,r(\
o or ol'rhc la.gi\Ilrrr ol ( o-opcr lr\c Socict\ N]onc) Lcrrdcrs (litlc(l N1 ] I 1. ll) lls within rhe pur!ie$ ol thc Karrralaka ]\4onc) Lenders Acl- l96l and l[e Karnalak.t
t.2004 and lhal crinrinal procced rgr shoud be inili redagainsr otrr ('orrPirf\ lirr
Karnaraka High Coud has b) irs ordcr daled June ll. l0l2 in thc civil writ peririon
l9
orr Company has fitedMunicip l Colporarion
L wrn petnion bcaring No. 17 t68 of20t4 on Juty 4,2requirins our Compan) ro obrain a licensc under rhc{llrDS r $r l ()t nl nnt dtel r i! thrt lh. hu\ir.5\ ol J\lIcing toars agac or'lhc r(lc\i[]l noIlltuIiur n) l\ ro r.nd(r il ti,ht
nol lal $ilhiI lhr sc
O!r Conrfnn) has rjtcd writ pctition bearing No. Wp(C) No. t4217/14 beb.ils C No. 8l hO 1.1 dar.d Decenrber t-1. 20lt (-Ordcr..) passed\\ irs ll ll ) \ct(ne (.. Pondrnl ) \c.l,i ! !ua\lr n! ot lhe inrt)uqned$rr o1 (.iior,I rrc] ng soch olh$ orler as lhe co|n mn\ de!,nr Ul. intCorrpi,r\ r drhe potic. has bccf lircctcd lo rrircndcr c$cts i ils cuslod! to
I petilion bearing No. Wt) t.l8t t5Conlrollcr ol Weights and l\4easures
heli)re th. llig
b) rhe Aothorig rhe applicabi,ir! of circul.r issucdll havins c,! tle ot I nrg I he rraricr
\ rir n.lit or h.xfrr! No l.t6r. 1l) 6 bci.orc rhering No. CO j0 Cl_lvt 20t6 dated March 2t,:0t6KarnahLa dirccting lhe pctirioier to slop thc aucl
mber \i. ir,6dr.,rr\\rn!,rhe$r. \n apncJt bean
rit pclition bearing No.3l358t:016 belbre the Kdrnar.^(elir,u tur qua.tril.:ot'rtje,rd(r b\ rtrc drrthoflt\\ Ld. h.er r,ra,,l(J th. nrir.(. .. pcJrJrnj
il petirion bearing No 1982.1,1016 her.orc the A ahard l$o olh.rs lcekir)g bcl.orc lhe (.oun ro declare
IS as securit! r!itI nol coDre rndcr thc anrbit andd(nr bern:r l,eor;a \d,r.rr parrka hds no durhoflr) r,irnher pm)ed tbr qrashing the norjces issred bv th
l0 1)!r (t.mfan) hrs Jjtcd a $:016 r!rIrn ltr. St.lc ot.tl..rrr,,r!ri,rst lh! pt.dx! o
.tn. Pradcsh and l$o oth.rs seel(ir$o dh.rs seeljnr bclorc rhe CounSold onranr.nrs rs \.curil\ \iil nol conre nder rh,
l pelitlon bearing Writ pcrilion No.:1.t8:6 20 t6
th( rhi,Llr(\pond.nr bcir." Bhrdohi Nrg pxtikn has\lr ri.i,xl l\ \.1 ()t6r
80
rirt to denrand or lev] ticense i.ee
l4 challenginS lhe notices issuerl by Kola-mpro!isions ot Kcrata Municlpatitier Acr andnll l] .d!c ol gokionlln.nls.s socLrrih docs
lor payrnlrnr oI ticensc tees. The mart€r is
lhe Madras lli-h Coln asairn thc ontt,fthe lnspecror of potice, Econonric Oftancesand issu. direction ro rh( respondcnt vide airr sta) has been granied if lirvorr ot ouro0rt lhc nratrer i! prndirrg
Coun olJudicaturc ar llonrba). againsl thelarashtra. Inspeclor of Lcgal Mereorolog!rn respecr of use the eteclronic weighing
is awaitcd lbr tisrin!
ataka Iligh Coun on Aprit :3. 20t6 rhrd b)- rhe r.cond rcspondenr additional
proceedings.'Ihc Kanralala High Courtwril appcal No. 5 t,t 120t6 has been Uted
e maner is at the stage ol.hearing and is
High Courron.tunc ll. l0t6 againsr rhcelling rhe exernption sranled in lhvour
lligh Courl on Oclober 7.2016 asainsrrhe brsincss oradvancing ro,n. ulurn,r
) ofSection 298 otUp Municipatny ect.demand or lev! ticense fee againsl our
respondenl. The malrer is pending ibr
e rhe Allahabad lti-qh CoUn on October 7.lo declare rhat the business of advancing
I ambir and rcope of sccrion 29s ot Ui
pcldins Lr adrlr is(Dpcldins Lr adrlr is(D
Our Companl has tiled a wril pelition bearing wril I'etition No. :18180'16 bclbre lhc Kcral4 lligh Coun on No!unrhcr
2016againstlhcl.andRcvcnueCom isrioner and olheN lrclirlg rh. ('ourl loir\!rr*rirolcenl(narioran\orhcr\tdirecrion for quashing rlrc orders passed b) lhc Dinricl Rcgirrrar anl l.r il lL.\.f1. conmrisslorrcr li)r inrfoundir:r
l.Our Companl has tiled a wril pelition bearing wril I'etition No. :18180'16 bclbre lhc Kcral4 lligh Coun on No!unr
2016againstlhcl.andRcvcnueCom isrioner and olheN lrclirlg rh. ('ourl loir\!rr*rirolcenl(narioran\orhcr\tirdireclion for quashing rlrc orders passed b) lhc Dinricl Rcgirlrar anl l.r il lL.\.rru. conmrisslorrcr li)r inrfoundi
10.
rh.
Kcrala Sranrp Acl !vithoul imposirion olt any ,nnher slarrrp dutl l hc nlatler is al lhe slage of +rnissron.
n.
ri
H
againsr rhe Srare of Karn
KJrn0raka leBdl Merrorouy ri rrlorc(rrerrrr , \'"(r'Jrrr(',r, B'.r(' ]t' I nr- rurrl \irhI JrrLJ J.rIu'"\ ': Fr'lr'bcarins No l'Csl8l Itst :0llr (Cdlurre Nor,ricrri,,', J,,rr.r l-.{'l irrlr'r r(r'rrJrnl {< or I rnr ac.uri(\ $<rtl ir'!de\rce.. a' unla$rll and l'abll Io h( nrLrck do$, l'r''r1(r n,rr I ,rr,l.,r. .rl-' nr.,\.'f h(t, rr rlr C'Jn r" luFf'r\Lcon\equenrral norice' under rtle nnrificarron...u<J l\ lrFpL(r,'r.'r l.l.,l vLIr"ro[\ lr('rrrrr( F n.'dirl 'r
en)nloyeei rl nol uoluntarily p{ovrded. lher( can be no insistence lhat lhe minimum wages will be paid throudh lhc
bank accounls or (hrough lhe systcn olthe Depanmenl. Whilc d.claring sub-rule (l) of Stclior) llA ol lh!
.rnrcnded Rulc!o1 19581obt!llrr\irc\lollrcnitrLrr..1lr.ur!r rfr.rr(irrr'f1' r I !|lr'lJ
darcd 09.081016. on all oiher aspccls olh.r lhan slrikins
covernmenr in rhe said noliljcation lbr rcrson ol it bcii-! bevond llre conlpel.nce ofthe state (lovernm.nl und.r I rc
Mifinrunr Wagcs Acl.
V.P.Nandakunrar.MDAndCEOinth.pasl.hrdbern\urrrrrrcf'db\lhclnlirrccnr'rll)ircckrnrr\cclrf!intbnnalion iD relalion lo lhc Manappuranr gtrNp. v. P Nindakunrar' lhrough Narious lcllcls htrd pro!idrd rh'
inrbnutionsoui]hlandhadalsoappcaledillpe60l]b.lbl.lhel,IIolccll]enll)ircclolal.lnlcspc!loltlllr\rlne.l.he oticials oflhe i.nlbrcenrenr Direcnmlc ha!e oftll) inlinraled v I' NandnlLrnlar lhal the ptuccrdinls irrt
j. Compounding applicalions urrder lhc ( ompxoics \(r. 1956
I.hccolrrpanyl.ailedlomak+enlrieSinthcrc!i(clol'conrpan)lrr.inlxilrcdundcrrcclion](llll)ilnl(]lolll].Conrnr,i.,ALllq<r'lurlhrL,rlrd.r'(nr.1rr$rrrj\1 V.u'nl rr''r''"III htt'' l'\r l''l ll'J" r'lr'rr" l"lapprrcarron berorc rrre negiofrar Di,.cror. \,{,th(' I Rcri^n. M('A c*"" "'9516g blr^ or r 'rnpa|ic' ^'rr,/)6.(ekintslo,npou,tdinsof rhu'Jrdofl.n.c ,, 6ru-\iA
Our Company has filed a wrij petilion bearin! No. Ulli l0l7 bciore rhe Ktrdl.l lfilh ( nrtr
asainn lhc Stale reoresentcd br secrelar! to rh(:ror!rnrrrunl ol Ktrild frJvitr! h+n'r( lhc
xmlndnrcnl lo lhc Kcmlr Nlln
llighCo!fl on nril 10. l0l8
as ol nolv withoul th. accounl nunrber
Acr 196(r rs uhrr\r.\ xrrl lin (ru.jhin! o1 llrc \irnlc ll)xl lh. (cr
I
1,.
rhe \lanlgiirg I)irecror L)cir! r1r. prcfricl(JrorLr s. r\.lanappumm.rir l.und Q) pvr l.rd has rirrcd,odrscro\;rhcnxrurc ot hi! conccln o'| i'|lr'resr I rhc boirr n,c.rirss,,ri;".",,p""' ;;;.".;:.;, "".,"u rhe provision or!.crion:ir() (jl rh. (.o nrr, .\ ,\.. lejr) Ih.Conpar!,_",r,,.,,,,",,t"iu,",i"li"-r,"r", ,n..n.,,,*,,lt(r(ir \t( \(.1,(n,r.rl.r \..1,(,n6-,1.\t,t ( o",n", ., n". , ,,,, .".,i,", ;;,;. , ,r.:, ,,," ,",U
" .,0r..
r' r(r!ron'rr r)rtu!l(r' \orlrr'rrr I(e!i('rr. !r.nrrrr ! (r! jr\ o cr drrrr rlir\ r0. :0ll conrporndcd lhe abo!cnr.rror.!l('rlcnlejlnt..\.cl (jr jo rtr,r.rtr,rr rrr ,r t,!rh\ arr r.. -,." _
,Il0rrInrrntion ot'dircctors (d r ring thc currrnt \enr rnd hsr lhrcc titrancint]cxrs)r
l).rr l\ (il fcrfLUroil of fir(i 1o rh! (\eculjrr r. rl,r.L,,(i, trr, ,i.!r\.,r tr.(i\:
\' rrrr(l rror '\!curr\c tlircclors Jurit! lh' c!rrcnr )..r and lbr lh. tnsr
i)(trrl\ ,il r.rnL ro.|l t'1l fr rl llj .\..r]ti\. I.!,r.fL n( k\t)
if i fr'rr '\"trl \r dirccloN (lrrifg lhc ilnrncr.l )errr l0t9-t0 (ibr rhe
st
^"1lL
of Direclor Silting Fees Salnrie! & TotalRoard C(,mmittcc
ns.;.sb.oO.ooOf n,;LsO.oonooRs.l.0s 0s aoo l a" - "*
I lllr.ll \ Rirt..[dr.r Birh! lt, \il Rs ll 00 00.000;l.d,;ii.H^ , 't \r' r('rn8n8J'i{'. -',''.^,1*. ,"r'li..I',il.];!:;::,.,,..ri:..:,;,,:..'t,,,Uffi
v. r, v ,_".r. ,,,, , _.,,;;ii;l.."ilil lll ;.;1..,01 n.,.,,^,,| \, .,'.,,.,r,,,.1i(. *..,"*";.i;,;;;r Li I:illlop. R
'{os.ool' \', ,.,,., ,{.i\ \,, ..,, rrr J R'sqrtu0
)l;, R.'r.ji.ni,o, n..;o..otu,ol
:, ll lilll,ll,',,'' "', .;.lllil],,.,,liil ifl' ".-,,r-r,-rT,;;,,+!rj \r \hxi.\1,.r \1.h,,i . ,ll+ illr :'r;tl i<'':sl ro1' *"i-',+*ll
+-s+l",,-*li]'t \jlNit,
\ ,\r ''r ' J \"''l
|" Il**il4srt --LR.l4tAlo lv'.rnirii,"nr,r,*,irrlro:hm,rr.ffiI'o1v'rex,frye,.rs--1 -\ ",,, ..{,,, iffir, \on-1.\cctrli\ c tlircctor' l)cQis(d t)irL(tor\ \onr in.r t)ircck)r
l)clai,s ol l.t{,m xnrrrrion pri{t tu t.t\rLrilir. ,td nr)n_l_\c(xtir c t)irr(tor\ during lhc l.in?rn.xl \ ur :0 *,19t, I Nd m( nr l)ir rcr,,r \, i,\o i ,*;; i,l"T=* I s,t-i".:t ;tr';. I conimission I ror,
' ",,;
, ,".,, ," i, ,".,,,,. ^ '* l !l6tl1i r..!@0] Irr;8]\1, J,. Jr,t ( Jr,l.. rx,.or,,l t0(nro
.
\J\ \ l{ ,r. ,r:Liir4r.i, t,iOO,,n 'rr 'r)0utr00l ll8u00lr rv,pvan;;dhi=nan l- ,;;:;:].--j*9|--- -fL ::oouoof lrr:ooo.lll lM,
P vanon,Ehrnan l-,-rroo#2500000r -rriono-' , \.4r \h.r.lesh rMehri ,"-,,^ r "', ::OOr-rOO] -,r:OOuOOi
,i \rr v R t(rii\.tr |rrit0o, :'" 1"" Nrr rSOOjgq[rS:O0OO
dr#{+*+= r-$-,i .tUt--r+
Commission Toralror.a I C,rnmit6?-1701597 40000000 t2i70{J97
82
l.
l)crrils ot Rc unernlioD paid I \ru,,h\u.,r{lrru l \(iuri\rl)rr',r,'r. luri,,'rI fi'rnllcirl \car 2017-18
st sitli rg Fecs Salaries & other Commission Tolr I
l]0ard Cornmiltec
Ur VPNardrllf tl \rl \i tl86 t:-1, ll:r)0ixr0 llil6l N1l'.ll \ l{.r\.urdrr ll,rbu NL \l ll I
Non'Ereculivc Direcl(n's
Mr.la-qdish C.tpoor 1it)l)00 r60000 Nit +000000 -r.1.1 D!ll
l Ad!.V.R.ltal achandran 280000 75000 \l :000000 ll] 000
Mr.E.A.Kshnsagar N \i Ni \it Ntl
100
\il
,] Nlr.l,.Nlanomohanan 180000 .lll000l)
\
\\\\
1000000
t(x)(lil0ll0
176
t(rtI1r Shir l.sh I Nlchrir I ll)1)0t)
Mr v R Rrji\cn lt00r)0 1000000
NiL
titt\it
ll I1t0(]Lr I.ti000 \i 1000000 tl
Drrril\ ol'lLc runcr.tiorr plr (o Il\cculi\. rnd non h\.tuli\.1)rr(.1,)r\ (luring I ( t'iriI(irl\err ll)16 1'
SI
No
Sitling Fees lo
,ji I
)r)t.lI Mr.V.P.Nandalunlar Nr \it i6?06-17 1i000u00 ll tll Mr.B N.Raveendra Babu \it NI r0i t99l i000000 Lri
Non-Execuiivc Directors
l Mr.Jagdish Capoor I10000 160000 .1000000 l1( 0000
\l) r
l Ad! V R R.tnrachandrttn I10001r\i
llr000 \
s00|11)
\t
100001-ruir
lMr E A.Kshir\agar
.1 N1..1) Nfurorrxnrl r!rr I101[)1r
Mr Shiile!h J Mchla t.10000
Mr v.l{.Rrii\en t00000 i l)()|1) . \ t)0r)0
\iti
irlcl\
1 Nil
.t t0r)llr)
\il l000ir i
N
l\
.lurins th. lJ\r t rr(. llfrfrirl \.ir! rL.J .lMrr.r .n.l.,lcurr llfpL.xl!n l.1r.r ir! u,li r! $ rh .!Jtl (i) orr
F (pan ol lif rcialsl
llcrliorr\ or a.l\( '. r.f,irr[\ .l rr(lrrtf\ ir rl]. r\1 l
ri!rt. t)hr.nr(.1 r)llir .u,rr rlL\l(.nr.rr 1.11. rrr(l 'ol lh! ( orrrl,,Lf\ ,L rh. .tfr.ir \r il!f\ L.r[' r rf\r.',r.t.'.r.,,,
I
\rlli0unxl ll)
nrnr.Ji rcL\ prec.Jing lh
, nlrdr' or sunrrrnr.c\ !r'
!e linancial vcar\ inrmc,'lheir inrpacl on lhe lirI propoicd to bc lirkcf
8
idir
pan) lransaclions enlcrcd
ol privale placement otlis pro!ided Anncrure ll
) ol rcservalrons or qual
g lhc )ear ol-issue ol frts and llnarrcial posilion
\ lbr each ol (he said rcse
sL.I F ina,rcirl Audrl(
\,' \'txrrs Itctrrarli/Qualifi catn]'r Imprct on
Fitrancial
l'inrncial
Corrective Sleps I aken
8l ll>l\'\
ffiR\?,,
sL.
l0 t.t,I 5
:0ti t6
l0 t7- ll]tl
I
I
i:ors-rcI
I
ltrdilors Ilcmrrt\,eunlifi c.(rrn
t.rL,.in3 rtrt r "ar
rr,.,r"G,e r,..,,ieo ra,,riI\rrnL(.,,i l, LLrd ,,r rh( (.,,f,t{n\ h\rnrplo)(c5 shere gotd toan retaredmisappropriarion5 tash havc occurred.
Ourins rhe year thcre-havc L;eer, cemain
l)1 n! rr. \.r rh.r( h.r\. h..ll !( rillf,rr\rrfc.\ of ll,r!d t!r lh. a.o ntjrr\ lr)orlleels ant .rDpk,]ecs $r,*" *"rai,",,related nrisappropriation, I .^t,
bezzlemenrs /burghries have
urins rhe !ear rtrerc hauc feen cerritn15rancc\ ot llruJ (,I rhe CuIrpan! bvI}]L(rs anJ (mpto\tes $h..c
"ot,l't*;lated nisappropriarrcns , c)shfbc//.,nc,I\ h!r!t.r i.\ ha\r
r.l ted Drisrtpmprialiu)\ !ashcnrbcr/lenrcrrls lrurgtllrics hr!c
I)uring rhe ),car thcre tr;ve been cenarr
in\rrn!c\ ui rraud un rhc (.,,nrnrn\ b\,,llircr\ . rrl rIjI,, )r(\ "t",,. ",,t,r t,,,,,
instanccs or'liaud on lhc (.(mpan\ bloJlrc.r\.rrrd.nrpto\ccs
"hcrr !o rt o,hr.larcd ri\.pproprjalil,n\ cash.r'he//l. re|r! bLrrg arics hr\c
69.:l
million)
nrill nr
18.87
Company has fu l provided rbrthcse amounrs in lhe financialslaiements and is in lhe process ofrecovcring these amounts from theenrployees nd rakinc tegataction
corr';ac.ing rt,.:;;;;--t irsLrusincss. lhcre arc inslanccs otccnair inhercnt risks associated \vilhthe business of rhe Conrpan). th.
Rs 16.36(Nel
Rs.21.69
nillion)
Considering rhi natu.e ol rlsbusiness. there are instanccs ofccntiin inherenl risks associated $irhthe busincsr of rhe Conrpany. TheConrpan) has fu ), provid;d tbrlhcs! anrounts in rhe financiatslatenrents and is in the process ofrecovering lhcse amounts tiofi r,reenrployees and taking legataction
Rs. 17.:16
(Net
Its 54.71
nillion)
Rs 6l19m(Net
Rs.10.22
million)
Considering rhe ",r,". "i ir,busnress. lhere are inslances ol.cerrain inherenr sks associated withlhe business ot lhe Company. t.heConrpan) has fu ) provided ibrthese amounts in lhe financialstaternenls and is in rhe proccss orecovcring lhese amounh fron thecmployecs and taknrg tegataction
('onsidcring the narur.c -;i ttsbusincss. rhere arc innances ofcerrain inhercnr risks associared withthe busine(s ot rhe Cornpan) TheCompan) hai tutJy pro\;ded rorlhesc anrounrs in the financiatllalenl.nls and is in thc Dfocess ol.recovcrins rhcsc anx)unls tiom lheenplo)ecs and lakjr{ ie{al acrirnr
Its. 10.04 nri(Ner
Rs i.9T rrriJti
lion lConsiderinalE;rure oa itsof] business. there arc insiances of
cerrain i herenl risks associarcd u iih) lrhe hu\ine55 or rhc Compan). The
Conrnrn\ has lulh nrovrd.d iorrhesc arnounrs in rhc Unancialstalenrcnls nnd is ir lhc process otrccovering rhcse anrounrs tiom theenrployees and raking tegat action.
FinnnciatStatenrrnrs and
Corrccti\c S(cp\ T,ken 0r
o. Detail
bv the
Details
letter inllnc iml
ls of any inquiry . inspecriorts
anr law in rhe last ihree years
in lhc case oiCompany and al
mposed. conrpounding of olte
cu application letter and iln
s ofacrs ol material frauds
Company.
l-rauds reporred to RBI:
or invesrigations iniiirilcdor conducled under Cornpar
immedirtel\ prccedin.{ rhe )car ol issrc oi fri!alc pl
Lofils subsidiaries and il rherc \!erc an\ pros,jculion Il
rc.s in thc lasl llrrcc ).llls inrnr.di.lt ) pr.lrdins lh.secrion u ise delails rIcr.()l lbr lI. ( o np.l \ a,rd a
against thc Conlpanr in the lasl lhrce r"ears. i
es Acr.l0l.l or an\ prc'
cen\cnr ollcr curr applrc
ed ( $hether pcndins or\car ol rh. pri\.rc thccIol irs s!bsldiari!\ Nil
an)r. and ilso.lhe aclion
l'{rticulars .ll-Mar-20 .]l'Urtr l9 ll-\lr -t8 lt 0J-20r
(in <
Millio
Value (in
IMillion)
:r lue (in
l\l illhn) I Mi
(in
fraud Casesi (A-B r C) i5
rll
8ll
rlt:
I.l
75.76
l i.()9
lt
l
(, I ','
A Fraud cascs whcre
enpk))ccs of rh. ( ompar)y
LO
B- Fraud cases whcre the
enployces & cuslonlers ofthe Conrpany are lnvolvcd
I
:
I il
I|J
5 50.1,
t1
t.6ti
C- Fraud cases $here the
cusromers ol- the company
I
.])
capiral slructurc ollhe Conl
r oF I lll] cotlPrli\\
r) rs on \4arch I l. l0l0 in rlrc lirllo$ in! rnnnncr in .
equilye (r)
price
equit)
({)
olT) pe ol
prid'u!(t il\ \lr
liquit\
equil)prr ri-
"'n (<)
Cross C
({)
85 ip}
I)atr of
tui(]c (l)
pricep€r
equilyshare(r)
l\tcolGross Cumu-
premium ({)
t99l50.000i t0 lrl ,.150.
0q
txl 11.r00.000 \i
Aug 2lt995
I :o.ooof ro] 0 Caih r\;bri. i0.000.000 Nit
00 000
00 000
0
l0
l0 Cllsh
:i ('r\ll
il1
ro Nir
r0] r.l]. \r]LJsh
,, un ,,.].,,.,i
li58:
It !lrr. 1 500. 00 1i.000 000 \i
:0()j
:00;.rLrn I i l
i.500.( l)0 a5 000 000 15.000.000
r.000.{l I t0.000.000 \it t5.000.000
trl0lt
lM,r 16. l.()l00o
\| c l
l.l.t8.t.-\ il 1,,12.815.810 rit 5l 450.17i, t:2
l7 : i5.8 li t7t.558 }10 t56.6: 9t5.686.t91
.t tl:010
I r.6 l l8l 0 t0 Ni 18.913.2 0 189.112.t00 \i 9 t56862.9 t
l0t0t.: ).1t0 t0
'l
I
flrlc,,r,I
l.r;:1.*r lith rarrani
12..171.6. ir4_716.100 681 i.lt6.7 t2.i l
March I
l0t0t. .E9: i1.018 il t.r0.l85.tt0 r56 6l .;.s I t.tos.r,lr
\|ri ': 170 l
\1.r\ ll lt0 I
\t)lt)
2.611
ol
l6tui
l
:
;:.oy
\il
iit
\t, l 170. t9:.(rt 110.:8J tt0 Nil i.i71.805.6%
110.-tEi tl 680.770.,t.10 Nit i.5 7 t.805.696
t0t0.lr ,0i9
-t lP..G.*al issue
15i.595.1S 707. t90.5 t8
tr4.l3rs ls
73.7
;t.tz
4.545.185.570
r.esr:a-ro:ut0
lr) 0
:ti
lli
t..t7 t
i9..it-l
000 : .rt :
IJI)! -) 168
lCash
l
Cash
lrmeh've(lstocrL' tlrrt0l'Qualiticdin\rilutron
' all
]pru."'r"n, J
1a1.066.15(
16.59C 831. t80. ti6 166 ta.s:,1.::S.:E
lot I
28.1. D0 l ll t2 Ca5h lFrnotoree 4r6.u74.t88 811.748.376 lt tl t,t.S,l:, tqZ, t99
IlJ4ti,?J,r_-l0tl
:0I l
i x,-l r8
8
\i
(.r\ r
llLrrL' 8ji.7,18.i76 1.6(,7..1.X).75: Nit
i.j 'r.lou l
E.r l, t53,ll6 t.oa:,:ot.:ilrlse
ih. I
t.t.0s r.oro.so,t
r.srE(a
\
')
l0
:0
Cumulati\ c tq'rih I
pxid_uP i sharteqIrt\ ihrr€ equil\
c'Pirar Ii,l,
rquit)
({)
of prid-utequiry shl
c.pi(aleqnil)'
u'n ({)
March 10.
201)50.000 l t6.56 Ilrnplo\.. ll l l.lrl- 16 t.68t.i06. 7l Li6 H.6i 1.0 L
.it1
.-ll
Scpl 25.
t01ll.l_000 l r6.56 Cash
Cash
llmployee 8"1r.lll7. r]6
8.1t.t0l.tr6
r.682,i71,
1.68t..r H.
1).
tl
1.r.56
tl16
1.1.651.5r)
r.r.65t.70
t0rl10.000 l
l6.l0 t612.1.i75 ) i t.25 Employee 8'1l.llr.arr .(rlll.66l 29.25 r4.655.41 .'7 t1
) i.l:
t5
.:r68.5
t\
Julj I L
l0 t6l..l r.lla l I r.ti r.lr It.l t i7l 916 l9li
t9.ti27.l0l6
l?.100 l i t.l5 ( rsh ll l L.6 Ll.ll() 68i.tt.l 'i)
January
I l. t0 tl1.81.i00 ). i t.25 Cash 841.899.4116 68:1.799 1) l9 t5 6rl.05
April 17.
t0tlI t.t5 68i.89q ll t9li
11.l0tlt0.6ll ) 86.45 Cash l-rnployee 84 t.960.249
Il.l l9(,lli0
1.681.910
t68.l9t.l
t9ll
).10
8{.{5 t4.61.1.,1t
20.l0t7ltl r l 86.14 It I 15
lt .l0t89561 l Enrployce
oplion
8.1t9ll0tl L6lti9.t. u l. r:
. ](iLE
56:1710 llmploYee 8 [i]i16l
8.llfji 1a l
l(,8507 t.l li-l 15 1.1?I0 t:l 8.05
02.1018
l 86.1.1 t685r)i S.l lr l t;t I t:(
Jul\ I I
l0t81699 8l ts Cash Employee 311519160 168507 ll0
ll-l.la
Httlt9T t'
l.20 ll]
]',t4691 : 86ll I-rnpbrerl ll tllJr)e85? 7tl l.l?-16157
April05.20 t9
l 86..r5 Lnip o\.e ElI165)1an lr'8oll
@
lJ r 15 t.trl6ll I 0l.tl
8/
Dale of ofilr"
e (.) Perequity
(?)
Tr_pe of Cumulali\ CumulaliIepaid-np
eqtrit) sha re
Lquii]
um (r)
Cross Cumu-
premium (t)
a;1,,rr,
r.l0te
I
6il41 l
l
.l
{)0000
t00 88
6l t.l
s6 lr
(.rrh I:nrpk,\cc IJ.l:tt6t()
lI{,rn
sll,)1ll
6ll65tl,)t 8 q8.88
8.l..li
14785120501.22
and
1.17856;68i0.51
rl r8
Nl 7ll
Aulhorised \ha re crtit?lshares ol lts. -l uclr 1.960.000.000
sharcs or r(s t00 rach .10.000.000and pr( !p nr.re capilal belarc rhe tssL. r6899r'6250
3ll,)!1]lJ |qrir
)r,ll.\ r]r K\ -rrircir. l!lh n.r(tul
\lrlrc! ,il il\ : ..r( r ltrt \ flill Up..r ,l ,. , ..t | !. r\.. .i. r.itt !fh\-rrr,i.r.I .ur d. j,...r, t, \ n,,1,,"
16899861-i0
1689966250
t6s19s6150
NA16899862i0
accounr O"tre trrelssu.
!c.ou lt.r lh. t\\Lrc
NA
\-
rua . tssre orNtD wirrnot rcflect the premium
(Ouistanding-Rs.
l.-199 55 Crorcs)
NA . lssue otNCD wili
8l.l al
not rcflccl lhe prelni
March 31,
20 t531, 2017 M1r'(h ll.I l, 2018
t.rls.llt0.55i.6812.117.41
t.888.41t.?0l.il
(i) . issued. subscribcd afd paid up
minal valurl: Aurhoris.d Crfil.ll .lr(ucd I,iidtrp capital
r6899tt6li0
lls.l50 !ro
Rs.l00 Crorer
(1, )
(c)
\i1c ol lhe prescrrl ollar : Its.lj c[)re $illl s lli crorc irglllci]rli
(d) rrticr rhc
(l) ihrre prrcllccl irl
paid up cap
l0t0:
ii. Ih. d
Rs. l6899li6li0 (liquilt) as o lhc Lrsl da) oi quaner crldcd M
ioll ol con\crlihlc in'lrtLIrcnl' (il xfPl !irl)lt) \ol trpl) i.lhl!: rrrr(l
rnation rljgarding profit for lhe last lhree financial tear
um accounl (bclbre and altcr lhc ollcr): NA( -lhe issuc of N( l)iurn ) 1..199.r5 Crorcs
ilsol lhcc\ining\h rec,rpirrLol lhcli.!( r)rrl.tbr rli)rnr.ir.lcrlrr:r1r'r'rnni1', cach .rllorrr.nr. 1 re drrc ol allolrlcnr. lh. rrunrb.r ol \harcs ir l(tll.d. lh. lic( \'rhr' ol
)saLlollcd.lhcprr..ln!l lrcli) n or c.n'id.ltlk)n 1'1o\rdc(l rhxlth. l\{i'r \h'tll In'rh,r o! nber i$(L t i(. rr \hi!h ( .lr t,l Lr..L olrfcfr\ $rr( rtit,lt trr trr i,sL trr.I L
g datc ol prl\or. fltrcclrr.nr ollcr !lrfr !fnlicaliof lcrlcr \tf.rtrlcL\ lnli'ali|: r1n'
ts nlade tor considerati li olhcr lhan cash ind lhc delails ol lhc consld'ftlnn in 'r'li
I aljcr rlrukin3 tro\lsion li)r 1a\. li)r th. thrr. lirrfc I\.rr! ifrn'lialrl\ |r"'Llif:rr oller curlr uptli( lion lrllet
Proils of lhc Comprn]. bet_orc
lhe dalc ol isnr. oT pri\rlc Pl
The tsblc bek)$ scl lbrlh irr
(lts. I'r nrilliotrs crtcpl di\
Nl.rrch 31,
20 t.t
d. the
ln
h
.lt,20t9 .l l. 2018 .3r,20ti \'Iarch 31.
2016
ll.rch -ll.201:
I)ividcnd de(
share of Rs.:It\.: l0 Its I00 Its I It\.l.lI Rs. 1.80 Rs. I 80
Di!idendr dccla
tirllo\ ing r.blc:
cd br rhe Conpan) in rcspecl oflhe sajd three tinancalier la\ plus intere!l paid./inrercsr paid).
xs fonh ccnrir dcraits rcgarding thc dividcnd paid br
alr-.alsr intcrcn co\crage rallo tor la\l lhrer
o!r Comtirn) of tlr. .!uj1\ (har.\ ti,r F-isca
] r'r"it :ol 1-risc"r :or r lt*,r zois lIisr ll0l9 Fisc.lz0Ilalarrt:qF.l uit\ Shires (Rs. p.nhare)- l : l
on rrlurr\ shrres 0,is prf l. t5 t5 l.li l.i 5
linal dividend
lorat lnrerirrr d '
)l l:quir\ Sharer (Rs p.r
idend;n l:quir) Shares
0 0 0
iut 77 t68-t.9. ll6l.-i6 it9:.ll I lli (r5loraJ final divid nd of Lq!ir\ Shares 0 0 0 0l) !id.nd ra\ (gr
'!!) on irtcrinr di!ideId -r.1t.8 :i7 0: i85.1r I t-i.71I)ivi(lcrd ra\ (sr ,ss) or li nal dividcnd 0 0 0
rri Fh.rl20ls fiscrll{ll8 11 Fisral20t6
Fhcal2011(ash profir (l
Dcprecirrion) ( , \1il of)
ne\urc ll I] (pa
n! n(,li.i!\ (hIi
8.589.1.1 7.500.58 l90l.ll it,l6 tl 1.IJ99.06
10177.69l
19.t,191 00:-< 88i8.65 87:6.1 r0266.01
l(J Cash lrlo$ S
n ol rhc Conrpa ) as in th1l ollrr c!n1 irpp icalron leit
ets and l,iabilities of thcir hllrr: Annc\ure tt A (
:mnl ol rhe (tompan\ tbr
'ec )cars iriIcdiatc ] prec(
n! rlrc lnn lj)rrc,\cnl., an
(,l thc (t)nrpnn\ during
tl I I.l t.l7 r.t8
C0mpan,
Ih.ir cll
Io lr\r th
l! :d balance sheers imnediatety preceding
i al the end of the tasr three financialials).
e financialyears preceding the dare of
olcirculatioi olot}er tetteri Annexurc
the prolils and thc rcserves of the
finnnciat\cars gnen bctoN: No ottrcr
Mrrch .ll20t8
\1.rch.lll0l:
rch lt0r6
March 3l2011\cl prolil b.tbi.i 20r5
l0.a)6i.a5 rJ t18.77
i 8t.615189 l: .t [.] t8 1.,t.t0.i0
N$0 139 518 8t 6i8 9ia(\
90
{)
II ('
\r\.
Yarch ll,201:l
A. Cash
activitiesting March JI
2{r l8Mnrch 3l
2011
i\rarcl' ll20t6
Merch 3l20r 5
l\tn rch
20t.I
(l'rotil|loss on salc of ll\cd r l-1 -i t7 lllNet gain on sale of ,tl I t.l
-95. L -1t7.7 -)28561. 8,116.41 t0.02
tlu I til!
I)ro!ision tar slandatul xs\cts tr I
Ilad debc,advancc\ \ri(crprovisior lbr non-p.rllllnnrand provision for doubttulad
oll r lltl I lr tr
Amorlizarion ol forward t7 68
l'ro\ is of lor L l g.rriof claif 0tl I ,t 6,1
Operaring prollr bctbrc .769.97 Li i,it la I l8f I r 5t.t.l ll.l6 ?l
Mo\cnr.nl\ if $orl,irg capillncrcasci (dccreasc) ln trade rr5.58 .rst lL -lIncreasei (decrease) in othe
liabilitics and ptu!isions
.r01.9: t985 H :65. L.ll I )tl
Dccrcase 1 (increase) in 5.116.06
tr lsi ]l
l]]l
lll0
5 ,i09.49 0.6
.slDecrcasc ( ncreas.) ln sl 8.r? I _rl
.l11.50
I
,1
07t 99
116Decrease 1(in€rease) in orhe
lncrease / (decrease) in Otlerm liabiliries {ner)
rer long r87 t? .ll,1 ll.7l _11
Cash generated lionr ,(r -t.780.]l t0ll l5 s ll9
Dirccr ra\es paid ( cr olrct_u ds) .1. [] 66 :.ll ll 1).) t68l -t I78 t7 - t.lNet crsh llo$ lior)r (ioperaring acliviries (A)
5.9r)t 8j ]li l r.l -tt):81 t9.tl
B. Cash flows fronr
acli!itiesPurchase ol fixed assets. rcluding r515.90 -.16.t.0,1 -r t0 t5t.l ,l 1.16 8l -:i
I'roceeds tiom srlc ol li\ed ir r.6o ii7 t(].tl5l9L I .11 .lli
P!rchase olcln'.nl in\cstrnc -l t) -.I
I')urchase olnon-currenl invc r l56 tllSale of currenl inveslnrcnls t59 l li t.: 6.6( .tt0
lnterest lncom. on Dl-ll Bor 5.98
Sale olnon-curcnl investrne
1051.
S
l
Red.mprion nalurir)deposirs (having original
nrorc lhan rhrcc lonrhs)
turir) ofIt ]liitl ss t.5 t.l
.78Investnrenrs in bank deposil
original malurily ol more I
months)
{havin-q It. t,) 9lt .l.i I
l l8tDlvidends rcc!i\cdNet cash llo\f lionr/ (
in!esting activitie5 (B)in) t.t05.r? ,tl.t 0l t.1L rt95 it5s.09 0ll
C. Cash Uo\!s lionr ./.pn9{Ng/2-'G;d
91
r\\r'rn.. ()i c(]! l\ 5: r-l I t.(,5
ronr Inslixniona 1.000 00 t5050 r00
ol l|yilutiolr l .1i6..10 n90.505 lltl i).1 -t.041. t,1
.1785 Sl 1.000.00
-t.706.7.1 t5l9.7l ,1505.15 -4J5 6t l.98l.t:lnslitutionai
1 rerm)
ol ln \ tltu tr. I ii
I il l)(h.Itul1r.\0 2.730,10
-ljs4. r6ll0 r- 15 .8 r5 t565 6l
2.5
rnler corporate
ey reccived tar issuc
r non,coilenibte
l: ) ll0
-2000
74654Jt
2.008.15
t..10 97(,40 87:16 6t 70266.19t5 t9.755.65r.r-i. 9.l 7l.,lll9'11 6t8i,t 06077 7t748.n4I _t0.,162. tq
(lnslituti0ns)subordiralcd da.tn
0it I rl,5.10 r7i -l ,)q6l 1il _.1 .li
lr0..ti 27 0t rJ t.0-lItcpll)nrcnl ofti -27.5i -t9.65
575.t8Pr'ocecrl tion [!r
-r807.1t ,5i I 8i ,:87.I l1.10.150 t0i8t0 I t7.100
R I t08.10 57.1 t0 001.06 E89 t.l -11,1.170.t0 -llll6t 7i ,81164 r7 -66.2'/0.21t'oreigr Currcnq! t) r500
wCDL- llanklofuigrr Cu|rcrcf (l i-i00
WCDI.-Bartoreisn curenrci 5,6t7..11
162 8Irolt [:.]6750
nepavmenr of(nhcl11
f,/ l.l i l.1u 5i ,t75.t7 -1895.2 -2,167 72
menr) if workjng
'ines (ner)
-67t.i8 7:06 ]ll i89t09 -10600.76 -t..100.17
8 ti5.77 -rir{l 68 9.7lt.llt.:61.a6 - J9l.7.l 15.6.1 - 1. r35.65
157.01 ,l{t5.i I 1S 7t -t9l
r)2 \ra-
Varch 3l20t8
March 3l2011
March 3l20t6
M:rrch 3i ltuarctlxL,rt ] :ou
Mrrch 3l Mtrrlr 'ctr:i T t''tu."t :t -M-.o '.r,
.r IT vr a 'c
t ri T rrr,..t rI-
lN(r incred'e tdecred\e) in cd.h and 18l 14
]cash equivalcNt(A I B +C)
c^t-lna .u"t ",tri'rt."r' ir rtel 16llliIt.r rnirr,:,,rrh..-rr
1
2 l\ :01- 2 16 :0li lul.l\e'cathrlo*lronli.,"iai"rin|alx',oll',I-.]i,l,t.l{Ex:.t1iin,a:\er carh now lronr (u"ed inr in I 8 r8',6r I '.r-- li ',,i 8 Ex:'findncina acrivirie' (C) I l
-,,':.^..".,:..-..;...r".; -r,80 tl -lu , i. ili IEJ{ -5'( l, rlt'
tx Exitl \ i10.7 i
LIrl.,:or .e] .8q44i r..rtoor,r , n,l.-
.',i i: ,. ,";,. ,, , l(..,u,,, Li, l
t-a.l a,r,l ci+ "q,iurtcnrs
ar rl;;,iri l9(rli() l(,ll ll ,lll l(ri j0 ise'l le .,.161).()r'
ol rlr. \.rrt\.'
.(tr i\itl..r\(tr,r,irh.jrJ !1rl Lliir, rri)l]
---l --1 ,::SirSi t.6trS1)
L): I li
L ftr (l \( l) 1r!i(!. ,t...11,r1L rprrt rtirrru'rr,:,r(oLL,rr ,i -llt)t rpr J ,lucJ Llcpo' L,iieot ,r
L rtri,LrL.r ,,f.!rtt.!1.|.'( - Lr lLr rrf - iLrL I rlir'
l rrt J,l \ J.rLl r(c(,ufl ir-L) iL)' lSii lll' llrfl rrt J,l \ J.rLl r(c(,ufl ir-L) iL)' lSii lll' llrfl
l(ir.Ll ,r\lr rrJrr\r.,u\.tl.r L.Lrr(il. I -l I S- '1 isl i\!ll'l
i lir.\!rr.\ur( \ l
93
Jo rrot inpll, thal paymcnl ol rlividend or
r| ::ailrl:rirr,.'J ir.r t
icil thrit all thc rcqui
.lirnr 18. :l:l!
thi: lirrrl lrar
i.lt.
P{R.T B
5rg&rtut. {}l- appti!.nnti
ltitial oltlr {)lfiiey olrtr
.\ iler lir r;rl i, rrr bi tlrt ilirurli.rr:
(onrptt{ Addrcsr i}l-ludrng Ilar.,
Phonc riuntber ii anl t
l..l'rliril lil ii'aq.
l),\\.\nlJlhi:ri
llarrir ;\r.eorlrt tir:t;t
er. Strc.- l.(]aLill;f\. l)if, a{)dr
for Manappuram Finance Limited
l. \arri
l,i i|{ l ta.il .rll:r,r.,rl]..
€nt(.mary.RL,r:,,/-u, JcCI€t rrr
l)I('1.1ti.1 fI{)N lty I t.t tIt.af('r{}R\"
I h|llonirl\ rcer'ired uldrr thii rtillrl!ltrir:
:ir! l
l!lrrtri:,
ru.( \ ,, .fftr LlnaPplIam F-inancs Limired/-2 n-. M_'/,yhy
.l r1l.l('(ti Ilrliralr{ i!r lla o,li
cash Flow From Dlberrure
AsperqfBl circular(lRlVD.Dt/lP/20lldatedOclober19.20lld'arnend(dh\StPl cirular no. alR lMDfl)lI122/20l6daredN,,vcrrhcr ll l0lb rllustrati\. crJ, llo\ Ior DcberLrr. i,r"urJ
\1r.u .fr r.r r I i'r.rr,. I rfiri,llt\ Ll).0(l.l)1 o - |. \r.r 'l)ll . rLr li)l(1
lI
ll l)ec 201I
Annuall)
lrcr,,ail,,fctLr.tl)q Q!'!t(q!y!'t ligl
Estimated
Date
(}sh f kn\ l'er dcbenturt
I).r\
I I lLLf ltl I .nlr\
ll .rrn : I \\ edle.dir)
i r,' nru nt rR'r
r l.0l)(r.l)01))
I sl..ott
ln 1l,,$
llllcr!\1
,r-lra.'r f-rL,,M")23-Dcc 1l l hulsday
lntu (!t
ll'rincipal
.1i.870
t.000.000
-qg!!e!L-Face Value (
lssue Dale /-P!It!:! !tft].\ )Dare ol Allolnrcnr
9\
Total No or T TodtSh;ehotdin; Shares Pledsed ofothenyise encumber€d
ANNt:XURl,t I
S}IAREHOLDING PATERN AS ON MARCH .] I, 2O2O
\unhrr ,f equii\ \hxrrshcld in (lcnrNt.riili^,,1
\l,ir(, u,,,ld h r4-l)R.
Lrnp o\.e lrulrsh1
196ti6 l9 6500000
]l --.,,,nlr00l 8,10169701 6i00000
\o Fquir\ \hxrc. z,uunftorat n!, ot"
it,,nur.r #ffir.!.*ll .-_.^-]
-_.,_lI'rbl( , \.U8:iu8o u.r.f,: I
,\ r llornur(r.\onI Ir,,,r.ri.l
96
FINA NCIAL
(Auditcd Financials of last
ANNIXliRti
,Ja,'r,arn or rna aoM PANY FoR rrE
: yfu., enctoseuy
l \S r .] \'[,\RS
Manappuranr t-innn( I-imit.d
Slrnd{kne Balance Shcct as ai 3l Ntarch 2020
ASSETS
Jl llxrch ll)ltr
t0.lts I 69 t.(): I i l
lJl March llr l')
::$,*. are in mirrions of rndian Rupees unress orhersisc
I
c'"tt, "r(l "ast,
cquiunt.nr. t,
l
Dcri!alivc tinanciaL instrumcn(sr.169 97
LlilJ I le.ljj
9Ir0.89
t.571 I l
ll.l l
t0.108.r5
)rr s60 till
Non'finnn(ialassel\I
Current rax assets (nel)
oenerrea ri, assets (net)
791.5a) t.529 r5
i
Other Unancial assctsI
plant and cquiprrrenlI 0116 il
( .rt)rlxl $ort_ n pr,,r .\\I I l"oo lt'o: I
Rrrrrroll .( A \fl'\ri'rr or r .( \\rl - -
-_ -- - - -- _ _
,)1,,n:h.ci,,.<,, t- J I
l-,,,,.,non,na,,c,a,a..c,\ J-",, 1,,,0, I
iil:l a6. liI :l aa,. li
t.-tu.0:t.6-t l.:6.159.60
I_t \lllt.l l \ \\t) l:Qt \
I lir,rr:rr-rrr-5 I l- l- I
- 0.10( i) roril orr\rrnlin! ducs o| ocliro^ orher rhan r)crc i i + -1 ",;.,,,;;.,;,J;;;,ii#;,1,:. r,504. 12
I ,.,rr.,
I r.n.'.n,,, .q.48i 85 l, suho.dina'ed tixb,tirl(a fu]r4o2s lr* ]I
tc., c 'rr'rrrr. L l'"'" l'*{.1i9 0l
(nher rirr.crrt ti.b liti.\
l
]---1.6,[.85 1.625.9.1
l I -LI
IfI
Non-fi nanciar Liabilitis
l,r(Nisiori\
' Orh(r r,,n-iifir)Lral lrihi irils
I
98
5 n.66
8i5.26
1.IJ1..165.67
l.::.s, ",
il
I oral lirbililirs {nd cquit\
ol lh! nafdltlonc rnfcil
i r.868 98
2.lli.(12.r.61
Ior .t'rd o'r b.htll of lhr Ihard ol'l)ircclor!
I ()Sr rrl
|.tli 99
t.?6.-1s9.60
I)l\ 0(xr.1t6tl
See accompanying
In renns olour rcpon
I For Dcloille tlaskins & Sclls Ll-P
ffi \liLr.r!i,rJ I) .,lLl
l)l\ lrlrL) l lr l'
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t),.(1,,
t
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Bengaluru
Va, rl.:OlO
( lr.l l rrf.ir ()lll..r
ili":" rir,,pu. r l"i'*,i l)!re Ilr\ L l. ll)10
99
rlrnrptrunirr t ininrc t.inr itc(t -l----lslrr(lrlonc Slrttnr( r or'r,r.orir ard r-o.* iiitr,:r, I lhr \ cxr (rr'lrl Jl uxI|lr E]| \lr.rnr,.ur..,,,.(. rr r,, ri,rr. orj,.r,rr .rR.rn.1..,r,,t(\\orh\1$r\...rd,eor f=-l'arti(ulala G. -;#
3l Vnrch 102(t .lI Nlrrch 2(tl9
(l) lt(\rlue ii (,,r ,,1i","ri,,,,' i,r ' trrr$r,r , rc,,rnc [I-li) [.]\. rr ] ;:.zo: zo
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t otat Revcnri,c rrom operaii0rrs tti
illr
(lll) l,,lrl inco rr (l . )
I n,";.;.".it
tlrii t cer arrrrcomrlisrrn trpL.iii,:)
l:(r lnrpr rll!,rn (,t i;,.,",.t ,n,rn,,,"ur,
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l)epreciatior and amonisali0ll l6
)1i.69t.67
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68.r.78
,1.99it.98
t;il
l
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l,'l*""(l) Curenr lax
2().'t t.ll0 I I 091.-It
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IIE ts
(l) Dclened r:t\
(l) l.arl.r\c rs adiun,Ic r!
Fp.,'ru r" the \ enr (v -tl)
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- RenreasurementsTu. * cra..ii".,l r" p-rli., r,r*dfthe defined benefir asser
ffit2..103.t.1
;.lu
( 0 jl)
(72.59)
(v)
(ii) lnconrc la\ rclalirg io ilcnrs thal $rlnor b. ceLns\illcJ
l
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(ii) lncollr. r.\ rcl!1if,r t(i itcn\ thil $rl
l817
(sr..r)
(.11 ?01
tl,rl
( l_._8)
subrorrl(lt)
101
?.90{.s6
(lx)
(x)
l)rr.r \la\ l l. l0l0
()lher r{,nrprchcn\ir. in(r'nrc
Ita rnilgs pcr cqtril\ shrrc
llasic (lts )
l)i r1.1 rR\I
(51.-t:) (2?.79)
_l'l'otal com+rehensive income ror lhe tear(Comprisint profir and orhcr compreheflsi!.
(vrr t v t)
L'r o(l 0r hrhrtl ,)t ttrc
| 2.2.18.81 trtr
t4 58
t1.51
9.18
9.i7
lrr r.nI\ or o!r r.prrr allached.
l{,r l)(ll,ill( llil\kiD\ & \e \ t_t.t'
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Finani,at
li.r..c-;"",d-]
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Tc",p",L"] s"..",u.yI
Valapad.
I4. '0r0
+
142
IT_l
Manapptrranr F-itraDcc l-imired
2020 -1i
+mounis are in nrilliors ol lrdian R!pces. untc\s orh.r\ is. sl t.Ll)
Cash llor frorn opcr.aring actir irirs
lor lhe \rrr
3l Mnrch 2020 3l Mnrcl20l9
68t 7ll
t10.37
(t6 05)
T
Inrpa rmcnr on rlrancirl lsrrumorri
16.800. | ,. ,,,0,t
,196.61
0 8t)
1
I
Provhion no longer rcquired wrincn
P","i.i",, ti,.
on salc ofpropcrrl. plant and equipnunt
Slock corrpensation e)ipense
I
iDiviedend Recei!ed
(q 15)
lt] 89
(i0.11)
t-103
ln\rnrrents ard orlr.r\i1.,,, u",,tr t"
5efiil.,on a,rd arrorr,zr
rr tr, "tr r.s r tor- '- l
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(rIL,rl.\t$r(t rL . inrt!d rr!.iLt,ir.r x(t\rf..\
ll.crrI.r t rncrelscl iI orns
liabilities(dccrc4sc) rrl .rrcr ,,on-i;,an.w
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ll.88
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i
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Li Renr. Electricitr, r"rcpt.,nc a"J
printing clarst\ R(Cci\c.tI
vanappu,an Ho,n" ni,,anc-i.irea
M-"tpr.", l,'-,f u'," I
t1.20 Lllt
122u ]rEr
f^,
l
Consultalion Charge prid
tr;"pnura.- -c. ..h
I consulunr\ Ltd
fatu;.EEar;ilI
lG,ppffi - c,, ..h
] Consulranrs Lrd
Conslruction Erpcnsr;
I UunrpprraIn- conrt*.ri*j P.oeenies Limiied
I
Moothly usage charg€s paid
M"napuram- C,,pt".hConsuhants l,td
and
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0,1J5 0. -s
r t. :
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t.60
t.60
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7.18
7.39 lr.lJ3
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Lt-licpal mcnt ot t-onn trkcn
Asir!tld Mic()rlranc. L.irriied
(-orporate loan gircrt t0
Nl,rrrpfurarr l11,.rc I nrncc L- nr rc.l
ltpa\ nrcnt of Corporat( bnn fronr
uinltpuranr llornc I innncc L-inrircd
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23.91
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Ilnsurancc llrokers
t.725.00 1.910.00 l.! t0 00
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1.735.00 t
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or significanlllinnucnccd br. Kcf
K"l Relalives ot Kcy
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V"rapp*a, C""rpt..f,Consuhants Limited
#
8,37 t.{0
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3;rF-""-ryl.o*ir -
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Manaeeura'n Foundation
Manappuranr Insurance
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A ounts reccirnbtc (net) tro,n
127
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ll.s4
Yxnappuram Ins,rrance BroLers I
I Inrrr.d 1.56
other records available
.rl.rf\,.\..ro,cliicdtllnic!fl. .trtIhl.ortl.n rJ r'f.'( oliNain\ irrercsr ri t.tSi"
c) Ih. orns ha!c bc.n ulilircd b) rhc M nLrppu.xm llonrr lrinance t-imircd lor lrnding Home Loan and meeting thecapilal requirenlcnts.
dl t!4anappuranr llonre Irirrance Linrited has uscd rh( lo r tbr rnecrrnS rhc qortinU hapirat requrremenls.
c) l hr rcmuncrarion r,iii,a(.) *"r.,-!".,"h.'.*lh.y are delcnnincd of an acluari l basis lbr rhc compan! as a \!hole
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420
Ratings AflNaruea r t t
GAI r}\6 L€-Trc q CRISIL;-i --; -.;
- ( l,\llol\ \l\t{\t E.\f lJ9.t-}\(D to0(:ot0Iu)c 16.:0:0
}1r.. \: P \aud.kumar:larilg!r8 Dir.cio, & Clei!xe.urtle OiIcer:Uiurpptrrim FhrD.. LnnitedtrlnnaDDur.n Hous.
Tluisiu - 6E0t6l
Dear \! \'P Na daftnn]ar.
Re: (zuSIL Riln,s ou rLe Rr.-i00 (.ro!. \otr ( on\.,..ibte D.bexttrr.! of\tau,ppurallt Einru.. t_irDitc.t\\'e refer lo )oru re(luelr 1b] i raturg fo, rtre capr,ooed r).Lr m;r,{oi.rr
CRlslL lFs. a e, due.oridernor. a\$c .,t i -(.RrsIL j\Asrxbl... lrrojn!r..it.1RIsrL. double,\ r.rue\.'r.. .r't,l< .'.,t.ot" ,u, ,*a I r,, , ;,,,..." , .':'.,. L'"lll' :'::" ' ',', .rr'\ertrlrrd.o<.or!.,req,"n,u.r,uqri,,"r,.",.:11.i::ll'"'IrtrxuErn'\rril!'rirurE'I.con'.r.,c<t ro
cre.trrtlsk L.r eot lir.Irc,alohll!rl1o.5 sr.tr utrrrul.nr\.aD\ \er\ lo\
FunJLe, uL \($ oi \o,n d.,,no,, roirleurrl,<(0".r,,,, ,"..,.r...,i,i;;;;;;. ilT.;l;;.YtrL R'r'rs ue r&rrt':r ro" ro app,tr. u! or,r,. !E,nun.,,
"*".i,,.,,p"r.i,,i1i;",;;"il::;.i:ii:Jl:1fl.:lllf;i:1,".i,]il:;:lI.]J:ili*liJ:;)o'u propoled hsue. I ied) lener otrer.t,darjon lio,u cntsrr_ ",n r,"
""."i,1,..As pe, o,u Rrring ,^ge.Ne,r cRlsIL \oul.r rljr*urr.rc trrr r.n.e arone \,rh orrroot rhrnrprr n! fuirrl..noori:l:l-:llr., n.,rr nnd r..ep,he,.,u,e xrots ni,r, -,,r*,r ,.,a. ",,..,r",,..;.il i;r"iii,: ,,,,,,.,,,.,,,.Rl<ll re.e,.<.r1,i,,-ri.o.\,.t.d.,\or,-,.,t ,.,,,, ,.:.,,-.. ::'','-"'"'",r," u".;,.r*i,,,J;,i;"ii;, ;;;i;;:;:::iil,lil;li;;,;.1:1,1:,I...,l,,,,lil,,,,,..1l"liHiiJl,liiJ:ll:,:ll.l hi\'. au;npacr or llrc,irtr,r
Ai fer l,e hren SEBt c,.ut.r 1rcte..*cc ru,tr., (.lR.I\11)DI:l-:,' rl.reil Ocr(nrer t:.:0l.tr o,r(nr'|r,zci d'ir')r'' 10r rqro'|'re t'o, i\ J.b.,,.!er ur.re r.!u.tr ro liro\(re ,rerrr,otur s..urir,.,L'ld'rrIcrr'o r ulL!r Lt\l]- alJxe \,rlL rh.,.La,,,rde,,c,.hnL ,.,;J.,;;,,r;.:;,,,,.,';i,,:.':",:,'"'-"IrriL{ "hr rc r!o, ,r..i,,,i,(nc,,,,.!;,r-."., ",r,,,,,,,,r,,,;;,;;",',,,:':,i;il1.1]:l"l : l';.,ii..;:;l:li ;l :.1:l;.;.,:l' f.;]:ll:jll.,,.1,<ld ...rt {j.r..r^r,,..1.t ,..,c,/.,.., .,,.. .. !rt 1,t,(,h\It ,".",.. .,,,A.,.,i,,,-. ,,;.depo.rtor1c..u,.1,n,,,,151)Lairl..DSLrh.ISI\Jc,."t.",,r.r,,,.,,..ti.,,.r.,.,r,,.i,,."i,i,i',."",
u"","-o,'r .r .. rb .,,I,',,.1,..,r,o,,. /.,,.d),..,\( i..trLr.. J.../. r,t.,,,slould )ou r.qnne .rv ct.ricanon!. plt.rse f..t ti.. ro q.l n) rr{rctj u nt, ,L
,,4)+ v '/-''Direcror - CRISIL Rirurst
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Asso.,are D;edor - (RISIT_ Rlrilgs
Ra ings CRISI-L
Derxil! oL tlie lts,500 ( .o,.c Nor ( drr.rtitrte\lnnxpporim l_irnn.c l-i,niled
..tL.t \ ut.-t ao.noh a1 thc ..t-h@ d-na;n;n;;t o) t4ot thc ated atw b,.Pt- L,irsx arcs 1cdr5@m,rr
consd€B Ehabte C,qlS[ d*s ,.t grorrr,{"; l,. @ri;;o-*BLng B nat a re6metu2bon to b1,y, sel, u hotrl he bled,ns!
the 6hpany/6ky Rahngs *i ived as ard wtanstates that hn tu fnaid.t 16btt1t whatsowq to the subsu)nnnq.nte a.k nva able tunhout chnec ta the pubh. on the
any nsbLnent ot .ny corDanr ,oted by a;R/S/r. p/eas Mbc,
ptoatled bt the 6ser d obt t$decuacy at the tntotutnn an whgh tht
n d@ rct bdrert on te a *etor ds Mrles my ,,rre olhn
e wrhnl CR/S[ ,s no{ rcrporybr:/ ue6 / tmnshttcts / dshbulus ot
wtb .'te M cnsilcah F., tpSeNre Helpdesk al 1A00 267
Ai\Nexuae \/CATALYSTBelieve in yourself... ftust r\1
dCNJ€Ar Le fr€ e- CCbH TPUsr€€
cL/MUM/20-21/DER/s9
)une 7?,2020
Manappuraft Finance LimitedManappuram Ilouse, p.O . VaiaDadThnssur District.Kerala, India - 680 S67
Kind Attn: Susil (unrar l\4lshm
Dear Sir,
consent to actas Trustee for Rate4 Listed, secured, Redeemabre Non-convertibreDebentures aggnegat,ng upto I 3s0 crores t";;ii;r;;.&;;il;H;:",This is wrrn r(fcren(p ro rhe drsLu.sro,Limitcrr lrornrerrf u,i".;;;;ii:ii'.,lis rn r'sr)(''r .r'rpnornUnrrnr ur crrrr\(r 1'rusteesh,nLrsred, secured Redeemab0., \"n-c""""'.'.h]l']':|,
ri' J'1 '{l'jfr'(r'r'rr"Tru'r,,'r,,rrhcn.,r,i,rs,ueu ry yourcornpan;.;;,;,.;;;::,ll:t': Deb'nrure' JsFreqd(,,,8 Lpro'r 3so c,o,c\ ro bi..onditio;;".,;i;;it-;;;;#;;:;ii]':-Tare aBreeahre to a'r r\ rrtrstce on the terms ande r rustee and rhe comprny.'1'he Company and the Trustee shall enler
itr;,T,::x ffi *,{r h'.:#,.ff rili'jli;ili.illti "i",ifi !i x:: i:'.:'j ;ii ;:il':#
s"cunre.) n"cL,iat;; ;;;;:',i;l'1,::l ::-:',]: :it. l::'rfl,,^,,.rrcand,lrnso,DehrResuratons. 20rs. rs mdv h ,-.i1"-1 ,.;f ;;,,; l::,;,:,,,,'r,J;,
-;l:#,"|i]ClR/CFD/CVD/o/10ts dat|d OcroDcr ,.
^T]a:ld rhp Lrsung ARreemenr pursuani rhfrero tohe c\erurcd wrth Bomhay Stock Exchansef
No. RBt/r0r,,-rr/qAn..r,,-,,,,-- ,, :^,^"ll/l"iona'Stucktxchrnget\iEj,rheRstcircuiar,r,,,,,", ."gur,r;* *;;;;"i;;;;;"1:;;d,:;;:Ilil:ij,:l,:, , Jnd anv otner app,icabrt'
The Company shall enter rnto Acreemenrr0"r,"",,* i,,.i."i n;,];i;";:':;;; i.n:-11,.':-,:::."-i. '",,1,:, hv ReBU,.,(ion ,3 o, sEB,montn" rrom tt," a"i'. olci;;;;';;i;#;::- :]1 JAr.uurnt n) I rr"rtu rhr srrur rt) within thrcr
:1: t.* . "r., .:;."!;il; ;,".,;itl,i: il;.::iil: l i.,:;;i::i:,;J:*llJ; l; lilprovrsrons ot appli(rble laws.
We are also agroeable for inclusion ni uur name as rrustees rn rhe CoDpany,s oflerducumenr/dr.cl,\urc do(ument/ Irsrin..,fplr, I.,,n/Jrv nrhr.r n,runrr.nr r,r hu tricA wrrh rhuSlock l:\chargelslur any other authorrr_y rs r,.qurr.orl
Yours fairhtully,For Catalyst Trusteeship Limited
Authorized SignrtoD,
We Ac.epr thc rbovo i. nsl'or lvlaDappuram FinaDce l,imited
For Manappuram Finsnce Limirec,,
a&v*y"/ Authorf$d SignatoryAuthorized Signitory
c T LY3rrRusrsEsxlpLrMrrED,---. -.,".1*.,--,
l
[:l] lt\ I I RIt\
ANNEXI]R}] V
M OF TSSUANC[]Of SICURI.:D \ON- COrrvIttTtBl_tj. R[]t),}tMArtLE DI
f\r,rrrr 4I\(t) r.0..V.rn.r,,p,,rrrrr 1r,.. r, ,r,,rrJ
I RJr(J ti,rrJ, ,.!,,r.1. n,,n-ri,, !,.
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V J,\1t-( . ,r I irrJ s,r, .,,...i\: htr, ,,,r.L,, d.ri,(.d .,r,J ,i {t,,.rLrl,JllSl lrnit(nN\r | \ctr..!.. r .r(-L...|,rJ,r,J..., ,,,,..'f,i ...' l,il( I)St ..rio \\t,l\. ',it,
, l'ri\.rr. tl.r.L.r. ....r. \clr..\trr,... L
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. lurriirt I lJrds.
RSUMMARY OF TE
hec-ec *' ri N;;c[ ]ssuerl-lT)peo n\rrunrrnr
I
frustce
tsrprlrqlSeniorit)
i Mode ol lsirF
ItUral r.sio,r.rt ha,)tr if tndini
r. r ,i.r..r. IL(.r'..t.'.,.\ . (,\.\Llnnr..Ir \, r.,.rr...
I iJrar)!.r ir\l t!ti(!i\. IrilrL,t ru !it lri(tr.i llIirlr.iirl
11.,... . .r . .,..,r r.. ,r. .,r..... rs.rtr r,,.\,...,i
(Jrlhl..I-,.' ...r,\..r.,. :, p..r rtrr... ..r...J.:rr..r:.r,:. r,.,r(S rl.iLi,, .
I'roporcd on lhc U I)\t \c!nr.r)l oi ItSl Irnit.ljDebenlures arc proposed b bc linedLimiled rrlhin d md\irnunr nEflod otDccrncd I)d(. utAllo ncnl
Eligible Inveslors
It_
Deenlcd
L
rhc WDM ot rhe BSIcalendar days liofi the
dltis liorn llrc
t5
t ;;":f,'i,:
Ljsling
the listing ol lhe l)ebentures
l)\
l{r
la) ir c\tcrLlio ol
.\ lnrn (lc!(l \httll lt e\cctrlcd br" lhe I
I)eb.rrlulc 'l nrrltc $ illrirr I nr(nrlhs of lhc clc
.l rt (lclrt ir c\cculion ol the I)chenltrrc lrna\ penal inlercst of al lcasl 2%o p-4. o\
crccuiion ol lhe t)cbenture lrust Deed
sucr in lavour ol lhe
iurc oflhe issue. In casc
st Dced. drc lssuer will:r the CouPon lill lhe
-( tUSlL_ ,\A ,'Slablc bt ( Iilslt_l(s :5
or."h..rinri^n I Amdrrnr
It\ ll)
)jects ol lhe lssue/ Detair ulililallon ol lhc Proce
rc t,jnJ. rdise,l rL-n.r,r, rnc i.\ e ot l)ehe
larr' .pc,rrlr projecr ar .uch lnd rherelol)eh.nr,,rc\ \hnll he utilired for:
L
. ihe general corPorale Purposes I
rcp.r\nlerrl ole\isting debl: And
. b llnanc. the uro\\lh ol ponlblio o
on'lending purposcs lo its underlyilRlll r 'rrr.lelrnr' nrrd .r. ocnnilled l')
s ord' l'r l\.re procee,l. sill nol be used lor dn:
tl .r'\'J i. n,,l p(rrnitleJ h\ ltBl rn(ltrdin!,.',j.r,.r. rt:rr c\l,r( a d u.1 lcndirg ac
l..u.r JUrdles rhal proc*Lh olrhe prc\c', r .r't I i-lu\c $hi(' rra\ he in (onrra!'guidelines/ nonns isslled by lhe RBl. SEBI,nv (ock c\chanse.
L
l\'IJrrS lirll uUlr/aliurr ul r.\r'c procecJ\. I
Iu :n\(\l I\< r.\llJ Druc(cd' ill lnonc\ IniI tl,n,k .nd d.nosils $ ith brnl\.
nlrL tbrlhe
)f lhe lssuer including
f rhe Issucr including t-or
rg borrowcrs in line rvith
RBI for bank finance.
purpose for !',hich bankinvestmenls in caPiial
:ivities. Additionally. llteni lssue shall nol be used
rnlion oI lhe rcgulalions/registrar of company. or
re Issuer shall be enlilledLrkel instrumenls. mutual
ii.t59olep Up/Slep Down CouP NA
our)on pir\ nlcrrl l-Ic!ucrl Annual and on maturit!
orLnof l)a\ mtlrr l)rlc ll .lr ll..:0ll and ll l).c.:0:1I i\cd
'ou|1,!r lit\cl l'] 1,(..\
r. !(lLirS !1.s. :p .ir(1.jli.l \. L[rI.. inlc .n rrl
Not Applicalrlc
)x\ aounlrlercn on Applicalion lv
)ctarLlr lnleresr
Wilhoul pr.'iudicc 1o the olher righls c
(ifl:ludingrhc righl lo crll in l:venl LrfDef.
ln casc Securit) is nol crealed wilDale ofAllolment. l\sucr will Pay
nalablc monlhl] o!er the Coupondays l_rom lhe deemcd date 01 a
condil,ons,rre complied with i
acceptablc to lhe Dcbenlure tlolde
f lhe Debenlure lruslc"'Lrk):
rin 90 days liom Deemed
defauk interesl of2% p.a-
{are liom lhc cxpiry ol90lonnenr l ill lhe atbresaidr thc lbnn and manner's/Debenture'Irusteet and
132
Redcr,ption e,liun-i-
-Rederrption premiurn i
Oiscorrnt-at *n-ictiE r,.irv i.issued
Issue Openin{ Dalclssu. Closirs Dalc
Deerned Darc OlAllotmentMarLrrit.v Dare I Rcdcrnprrbn
Calloptlon / pur Opri;
lssuancc uodc of tlte
TradinS ntodc 0l irrsrrurrcnlRedemprion moaiof --instnrlncnt/seltlenrcntmode/mode o selllententPrincipat reaernptiorr ti-equericrimcrable tor pLincipat
Business Day Convenrion
l8 mondrsl{s I t r - t I t I . I I { I { r , - pcr tt('irc, iir Lr
\or \t1t)li.lh I r 1,.rr I.l\- I).([].1)t)0 tlri l.h.rirurr
/ or principataI rhe rare L,t
Rate rr itt bc I
---!-l_=. in,case i,t Llctallt r,t pd\Ir( l ot .ntfrert anreoernfltor.,I ll(,,|Ue d.rtc nor||tinn/r int(r.,51
::0 pn, pdiJhtr ,,,onrhJ) otJ rh. ( o.jpu
Pa)dole b) rhc Co ,Dafr
Nol Applicable ll
V;nimurn eppticinte andmulliple o )ebcnrureslhcrealicr
Manner lbr paymejt w--lnveslors
Efticr ot tlolida_vs
Rec"r,i Date -
22 June-20i022-Junc-20102l-.lune-2020lr .lLrr. llrl1
:l-Dec 202 t
I{s. 10.00.000/-Its. 10.00.000/-
I and in nr!triptc\ ol I Dehcflurcs thcrclficr
1r.'\L) LI\ r) rttitfr I I .r ){r trr I l I I
I
De-Materialized Onl,-
). \l.Li,.r rLlr/r(t ( )ir .
()n rriaturir\
l
llf a Coupon pa),tnent Date l.alls on\h;ch i\ nor a B,i\rnc\\ t)a\. lhcfallo$in! Businc\. t)rr. In rernciraI)'$hlre lhc RlJc plr,n l)drc uror a holiday or a da! \vhich is nolArmounr pa)ntent sha be madeBusine\\ l),!
a holida\ or a Sundar,or a clar, ]
pa\nrent shflll bc made on thcol .ir\ t)ir\rncnr ol prin.ip,rt ii
lh( Il(bul]rur(s tJtt\ oI .r \u,r,t,\a Bu\incss j)a\. rir( R(demorio;,on rhe imrnediarcI prcviorrs
I S dns prror ro tach (:o,,p,,,, t,,,.,,,"nr Durc, trtrtr:rlpiioriitrlc
Ihe Don-convcrtiblc dchi:ntures \\ould h.tr4res ofdrc receivables oflhc Compan)
sccrrrcd r irh mrrrgil
securir)
D"f*r,o" Li*i"'". *.p."iiically set out in and tully described in the
I)cbenlure lrusl Deed. except those receivables specitlcall)' and
{\clu\r\cl\ chnrced rn la!otrr ol cenain erislilg tharEe holder: 'uch,,'n,..,.,.,ir',' i;\(-.)l'nooo of rhe our.landilg prin(ifal amorrnl' oftlr< Dr'..rlurr..r)d 'rrr<r<\r
lhercon i' nlrinlaihed al dll lime trnlil lhe
lhe drlc ol crcalion of securityi wilhin 90 rlays ol dcerned dale ol
An\ rcvAl rtion or rerrluation of securit] intcrcst lo the
(iei€nturc holdcr over rnd nbovc thc corpon rate: Not applicable'
n,d ilrgll" d"til-n 16 ci 30. December 3l and
Qua(cr [nd I v,-J i i orrr,e *arCapital Adequacy \\ill bc lested on y Basis and should not
\l.nr r. ol lttrl!l irg\1.; .. rlt ,, "t . tt '
i0l.\.,r l(c.rrurr.rtrrlr rt\,,1 . l 'l(' '\ rl
I Mdde ol Allocarion' Allocarion (Jnitonn yictdr ,.,] ,^" I
lhis nalure. including but nol limiled lo:. Cnrpurdle e\r'lc"ce. po"er and authfrity:. I .J-al !a'idir' dnd hirrdrng n.rl.rre ollhe lransaclron:. (lorDurJlc alrlhori/alion\ and Lon\enl':. r'on conlrd\erru(\n ol'con.ltlulional doclrlnenl' and hinding
nalure ofthe srme:No oulslanding detaull or !naterial liiitsation:
N,, !rulJrruf ul lut ur nratr'riala8re4nrent'.N,t or r ltrenLr oi'ir mirlerial ad',crse eltecl;No litigalion thal nra) have a m4terial adverse eflect on
operation of businessi
No insolvenc) l
Cornplelcne\s and accuracy of linantial slalemenls.
I und procecds under lhls transaclion shall onl\ be applied in
accordancc \\ilh ihe cnd use as slalcd in lhis lerm shcctl
An clcnl. circLrnrslirncc. occurrence or condilion which has
causcd. as oI an] date ol dclerlrlinatiorl, or could reasonabll bc
c\pccted 1() cause an) material adverse eftact on or a material adverse
changc in (a) lhe ability oflhe lsstler.lo perlbrm its obligations under'liansactior l)octrncnls: or (b) legali!y or the validily or
cnli)rceabilil) ol lhe liansaciion Documenls or lhe righls or remedies
ol Dchenlurc llolder(s) /henelicial owre(s) theretrnder'Malerial Adverse LilLct
l:\ crrl ol l)clrull
provided including bur
tl
Ileference lo lhc $ords _rnaierial or "reasonable shall mean
''reasonable' or "malerial in lhe opinion ollthe Debenlure Irustee as
decidcd b."- i rnaioriiy (51%) ol lhe debentuie holders by value.
( usrorrirrl lo lrrnsactiorrs of lhis nature to
fol Linrilcd l0lh. lbllo\lngi
. \, ,.pa\meI ol an\ amounl due hnd palabr( rn re\pecl olrhe Debenlure. and rhe Iransaclion Doctrmenls:
. Farhre lo mainlarn secrrrir) cover:
. crcss dci_aulr - Olhcr lhan delaull ol thc presenl issue. il-lheissucr or an) olher enlitr_ wilhin the Ctotrp. is in dclault
uidcr the tclrns xnd conditions of an! isstrancevobligationsl undcr o rcr iacilllies and receive$ such nolile of evenl of
134
'I ransacliof l)oc!nrcnls
Condilion precedent
Condilions Subsequent
e D,\ lo.'urc l)ucu ruri \,).rlt jo\er tr.( d,.rl,,.urc r(qUI(, (.Irr o,i,oJJ\llL,#0,"
I nt,cr rtr( rirrro$,r+ rnr.acrio,) d,\u reIr
ti) Debenlure Trusr Deed a d{I) Seeurirt l)oc!nrLnl\
A cenitieo tru< LUpJ L,l rlr( (e iti(ar< ot ,ncorpural.ol ot therssIcrloB(.rtr(r $ith itr.oI.lit, i,Iat docuDrc|lt.
:.::11,1.-l^" :"nl ot a re\ot!rion oirhe hoard or c,irecror.u, ,xc rssuer unoer Secrion liq o, rhc (.umpdDics qct/\ Centlre(, rr.,c (nl) ot I rc\nil r,,n ol rhc hoard ot:11".,"i,.:,
,he t(\r,cr a, h,,rili,r! rtre con,r , ion or rher rnan(ral Itc,oIrLe.,Ir.t Vnn.,r" rr..r, r o|lrrn,rr+../\ ccnrrrud rr.,e (op\ ot ,, r, r,t. in,, ,,t rh( t. J Cr.rI
:^:::,"*. ". Ma dts n(.l,r ( u .,,r,rr!( d,,rrru,,.,,,,! Ir(specrrr( tefins or llre irsu( ut the D(bcr u;\ Ilaccordan(e \\ irh thc hoard rc\oL,trun retcrred aho\e(,enrlled, Irrr. culr(\ ot tlr( 5ne(:al re.orution. ot. lhe)1j.*]".: or. rhe r.\Ucr under Secri,,rr )8,, "r ir,.
Rcc\'.tr ,,t .,.r(Jit ritrnr t.rr., l,,r rtr,. t)(h(ItrrrL\ lr,,rnC RI
Cunse r l tlr lo a(t rs ReErsrrdr dnLl tralllo) sND( ('un5ullarrls I rrrr(d. 'l(r Alerrl r"u(:tl
Con.ent lelrcr frotn Debellure jr.r\tee I
.l:":ll .1 ,* r5lN rrorn rh(.Drp,,siror) ror rr,e i.,u,,,.".r ilhe Debenlrrr(\. - "-*^'"']Such orJw.cnndrrinn. trrcrrJ(nt a\ ,n.,, tc .er .,,, ,,, rt. ]I rcbenl,rr( I|lt\l l)(.d.
( eni,ied tnre Lop) ol dll L,,rpo(,t( a!rion.arrolrnu rhe Deh*rr(rre). ' apptt'tittg anJ.
L\enUrion o, lll( dehellllrr< tr,,,r dJed aId rtr. ,.cur;11 ]
\rIn rhc_ tci i'J,i- (\t conrp. ,,c\ l, ,t,,. f*,,". 1,,^,,rri,"\Lcli"r, - _,,' ltr., ( .rt,nJr, (. \L I
lrJrr! ot rr(tI r,,t Jll,,tr\.r,t ,,r, tlr( r\.lr( nt tll, DJh.rrture.
;1.1,:li,J';t.'i:::::"":t'.: -ttt: tr,,ry ". L -b,,(,,,
I
l
\
I135i(<(Y,
da],s iiom lhe Deemed Date ofAIlolr. All necessar) aulhorizalions/no_obj
exisling sccurity holders for the issr
and creation of security over the m
hlpothecaled assets.
. SLL.h olhrr conLliliorrs strbsequenl a
Dcbenlurc lrusl Deed.
ction leners from the
ance oI the Debenlures)(gaged asse6 and lhe
ma,,' be set out in lhe
)verning l.aw &.lurisdic
Subjecl to sub-clauses belorv. the
MLr!nbai have e\clusive iurisdiclioarislng olrl ol- or in conneclion
(including a dispulc regarding lh(
Lrnnin.rli()rr 0l lhc Dcbcnlure
accordingl). any legal action.
(colleclivel) referred to as Procee
in conncction $ilh a Dispute maY
courts and lribunals and lhe Islbmil lo and acccpt for themselve
propcriy. gencrall) and unconditio
lhose corLrls and lribtrnals.
lhe oour{s and lriburtals ol Mumba
and con\cnicnt couns to scllle Disl
panies will nol argue to lhc contr:
irrerocably traive: (a) any objectio
laling of the venue of any Proce
trihunals ln MLrffbai- and (b) ar
Prccccdings havc been brought in
and (ii) irrevocably agrce lhal ajud
broughl in the courts and tribunal:
conclusive and binding uPon the
in lhc cou(\ and lrihLrnals of any
to lhe laws ol such jurisdictior
iudgment. a cerlified coPY of !v
cvidence otsuch iudgment. or in a
by law.
-ounr and lribunal\ ot I
r to icllle dn! disPulc
\!irh lhe Debentures I
eri\lcnce. \ alidit) or
,l (ir 'Dispule r and l
surr or procceolngs
lings ) an\ing our ol or
be br(Nghl in thosc
aflies shall irrevocablY
i and in rcspect of their
rally. lhe iurisdiction of
are the most appropriale
uies and accordinglY the
ry. lhe parties shall: (i)
nolv or in tuiure. lo lhe
rdings in dre couns and
) c!aim lhal any such
2n inconvenienl foruml
ment in any Proceedings
in Mumbai shall bc
n and ma) be enlbrced
)iher lLrrisdiclion (subjecl
)b! a suil upon such
rich shall be conclusive
ry other manner Provided
136
\\\F\l Rt Yt
TP,\RI'\
I_tst ol t] :\ KS \\ Il.lt \p[( It.tc c ,,\R(;t.]
r rr ti-l'l^x-i-_ ,nt Liln DP Ii u ircd20ttt
B,\\h\ \\ I Ilt t,\
rgi Coveraqe
l.lst ()t .l tPA
E
I'T I}
sslr ( lIAti(; E () RIt( l.]\'\Bt.t.ts
I NA B:1II D :i),11" I rIc!7.70{)
nr r,rD t \ct t.t(rc5.-t.l
\(; RI'SSU CIIARCE oN cut tE\ t AssrTs INCt.tit) a t.l
ANNIXURE.III
LIST OF BANKS WII'II PARII YA BI,IS
stNo
llank Nxnrrrlynrgin/
Coreragr Dl'Rcqr
I ANDI]R I] NK 700/0 5.lti 6 r00) IDAI BANK )00,n r 500 5.6ti
I\I\ M^HIN DRA I]AN Kl..ltl
t..r i I -l lI SOI]IIIINDI \ BAN(
20roSYNDICA IE BAN(
L UNION BANK OF IN'IA6,000 8.000
1 LA IT'ULIL 5YRIAN BANI
109.;
/10
1.000
L
)00
I
l
- __l
IJ
()RIltN tAt lltN((!Nt\1t,R( l:
)l
ta':- I.t
I t(,\
B\' ll\
t/, Rtl
ri ]rinrr eqx(oirrloi,r l:*2.500
I ltl
I0 :r6l
t.950
2.151
t<lr,ti rt xe B,qNr
rt ot' n,rtroo.r (vtl,tr'.rNK)
t. nar,L
N,ru,t SANr
lClrrr rt,lr.ll -
-
__f_2.000
1alr.ooo
Il0o,;
l*"l,-
() Q,\ r\R \ \ llr)N \1. ll,\\K
l0
10"."
llA.lA.l I lNAN( l: l- I l)t.
-.r IrNl)rANBANK
,, l-on*,or a.w( f:o;.'" 1ji-.t: l)l \\l \\\llll.\\l\ llrr, ilo
l
t-''.'.- - Lrnr nrvsvinA\K f-;.,,,,",50*or.1u11r. r'rr'''rr',cr,l-" CORPORA I ION li"a l l00
I - t* ';- rnc,,a^Gr 1 ]sBl l :ll lNstlR^\clll a,rrr,,^^v t trtttr.r, ro', lt.rxto
'r ]r,,1get'x T0"" '.noo
,, i.r;^* ] t- fr-irr \r r \ll \11 \l) ll \\l( I ',,
Ilt I Nlll:l) ll^\|\ 0"
:.000
1..100
t00 l,l5
-= 917
1.000
500
1.875
1.000
1r.000
138
AXIS BANI.
t(.lct llANt
1i.orJr3 - 11J6-t6s
cross Interesl accruLessi provision
accrued balance
VEI] Loans (Rural aDd Se i UrbaD )andOnlcndin{ lo Mf-l,s tar(Std.Assels)
Less:
Cold loan balance aod Iexclusivel! charSed ibr[AnDerure l]
(iold Loan balancc
Cross Cold loa| ba[,ess: provision
balance
Inlerest acctucd balancekran balance
Less: NCD public lssue I
Less: NCD public Issue I
l-ess: NCD public Issue I
l-css: \hhtndl1r \11
L-cssr l( l( lt)rudcnliat
PAR'I'D
SECURITY STA'TUS
Coycr Slalcnrcnt ns nt Iunr(h jt. 2020
Pt!.0Il!]lc!!L4nan!!Lrr,, irrd
e {o$,ards (lold loan
lirtIrS l. lho\. !L,t,l
to bar)ks
t.73.901.31
Srrur.it\ ( ,,\ cr
I
l
1
IR]
IC]
l|:rhncc tirail.rblc lrs p:rr.i u charge lirrN0n (to'r\ rrlihlc t)r rcs (NCD) :rnd ltsI)(,llnr In,,td issr,(t b.r ('r,llrpan\
f!.1 =
tAl,tIrl+lC
I.IDIcoverage
coverage( 150.52)
(2.312.21)
( t.279.01)
( l50.cl0)
(2.000.00)
t50.51
l.-'t.t:.:l
1.179 0.1
1i0.00
:.000 00
t.00
t.00
r.00
t00
1.00
Its. iD
nrilli0ll
t.69.68t.78
(6 r5.99) 1.69.015 78
(710.13) 11.s55.51
(6.679.00)
139
S
No. Ils. innrilli0n Ilcl
)
t-css: tCICI Prudentiltl AN'lC
l.css: IDIC Brnk I-td
(:.000.00)
( 1.666.67)
(:.s00.00)
(:.000 00)
(t.500 00)
1.000.00)
(:.:s0.00)
1:.000.00)
(:.000.00)
(6.:50.00)
(11.00)
:0.617..1,1
I .l 78.i8
l5.l9l.6l
2.000.00
3,500.00
1.000.00
1.666.61
1.500 00
t.250.00
:.000.00
2.000.00
6.250.00
10.00
:.000.00
Lil0
1.00
1.00
L00
100
L00
1.00
L00
t.00
1.00
l.l0
1..:\: Slll \lttt ,tl l Lrnd
l.css KorLr[ ]!lahindra
l.c:s: NCI) - Adirla Ilirla !11'
Lc\\ NCI) ,\dil\a Birlir lrirrttrrce
Lcss:NCI) - lvlorgan Stanlc)
l.c\srN( l) - ltclicnce
Lr\\:\( I)-SIll
llIt
l-ess:N( l) -lll)l (
ess: NCD - A K Capital with I I00% coverage (l r.1:1..16)
t S Dollar Uond lst lranche($100million)
Baluncc arailable as Iaripns\u chrrgc for
Banks & Fls
I i'ss lilnkr rrith l'aripa\\u chargc on
Rcccivables lAnnc\ure ll
,\dd: O(her Assels
( :,.11r rrl llurrl l,:tl,tttec.
Lo ns & ^d!anccs
c\cept as nrentioncd
in lCl
Less: Lixbilities ofother paripassu chargc
holdersllanks with Paripassu charge on Currenl
Assets IA!ne\urc Jl
L,,.t is.uor - ]
t.l4.6l6.114
l,o,-*, 1 ,*,
1i,,,l.rl , tK
;.*r!1.21.J91.ll-l
II']
tcl
IHl =
IE].tFl-IG]
illIJ]=tHl -
trl
I
,l
L
I ,5 I ,6 I 6.211
140
( 1.26.568.00) IMI
t
ItetaiJ NCD
] I2 I fxccss securitl
--+--LI ll.l l) I 0(ll\l
at aila blr I
25.005.97
lo1=lLl-IMI.INI
141