sonu · experience – the long wait and inadequate loan amounts. It was at such a juncture that a friend first told him about Manappuram. He approached Manappuram for a gold loan

Wealth of the wife.

Pride of the family.

Gold was minted. It is still a tradition.

Gold is stability. Gold is security.

Gold is timeless. Gold is trust.

Precisely the

virtues we

honour at

Manappuram.

kanchan

kanaka hem

shona

swarn

sonu

kundansoan

thangam

ponn

bangara

19TH ANNUAL REPORT

2010-11

Company Overview02 Corporate Identity

08 Highlights

10 Chairman’s Letter

Board and Management Reports28 The Board

30 Directors’ Report

36 Management Discussion and Analysis

40 Report on Corporate Governance

Forward-looking statements

In this Annual Report, we have disclosed forward-looking information to enable investors to comprehend our prospects and take investment decisions.

This report and other statements - written and oral – that we periodically make contain forward-looking statements that set out anticipated results

based on the management’s plans and assumptions. We have tried wherever possible to identify such statements by using words such as ‘anticipate’,

‘estimate’, ‘expects’, ‘projects’, ‘intends’, ‘plans’, ‘believes’, and words of similar substance in connection with any discussion of future performance.

We cannot guarantee that these forward-looking statements will be realised, although we believe we have been prudent in assumptions. The achievements of results

are subject to risks, uncertainties, and even inaccurate assumptions. Should known or unknown risks or uncertainties materialise, or should underlying assumptions

prove inaccurate, actual results could vary materially from those anticipated, estimated, or projected. Readers should keep this in mind. We undertake no obligation

to publicly update any forward-looking statements, whether as a result of new information, future events or otherwise.

1 3Strategic Overview14 Virtues We Honour

22 Core Strengths

24 Growth Strategies

26 Social Responsibility

Financial Statements52 Auditors’ Report

56 Balance Sheet

57 Profit & Loss Account

58 Schedules

86 Cash Flow Statement

91 Balance Sheet Abstract

92 Branch Network

120 Corporate Information

2 4

Contents

In ancient times, gold was minted into coins. In most

Indian households, it is still customary to treat it as a

fixed deposit. Across the ages, gold has emerged as the

preferred currency for trading, for measuring value and, of

course, as a metaphor of purity.

While a large part of India’s population resides in villages,

people in semi-urban and urban areas also turn to family

gold to tide them through adversities. Its value can be

unlocked fast and when the better times return, one can

easily reclaim it. With steady increase in gold prices, it is

now the most effortless form of asset-based borrowing.

As a touchstone for dependability and enduring trust,

we at Manappuram have consistently respected its

virtues in our business of lending against gold.

The tradition of gold

A Glimpse

The leadership of one visionary. The fulfilment of a myriad dreams. When Mr. V. C. Padmanabhan

founded Manappuram in 1949 in the coastal Kerala village of Valapad, the firm was the first step

towards meeting financial needs of the people in the area — mostly farmers and fisher folk — by way

of quick access to monetary resources in times of need. This was a period when India was emerging

from the ravages of colonialism and its banking services were underdeveloped. In 1992, Manappuram

became a corporate entity in the name of Manappuram General Finance and Leasing Ltd. Since then,

the Company has grown rapidly to become a major national presence, and one of the most popular

options for swift and secure gold loan borrowings. Manappuram also offers other asset financing,

foreign exchange, money changing and gold bullion. With its sophisticated technology platform that

assures safe and secure transactions, the Company has risen through the ranks to become one of the

largest asset-based NBFCs in India. To better align our brand identity with our ever-growing service

platter, in June 2011, we changed our name to Manappuram Finance Limited.

1949 Mr. V. C. Padmanabhan founded Manappuram in the coastal village of Valapad

Annual Report 2010-11 2

Vital Facts

1992

21

2064+

16,000+

1.2

` 75,492million

million

180,559 `

million

Manappuram Finance Limited (MFL) was established

States/Union territories where MFL has its footprints

Branch network

Motivated workforce at MFL

Total customer base

Total Asset Under Management (AUM) as on March 31, 2011

Total gold loan disbursals during the year ended March 31, 2011

Kanagaraj D: Facilitating business mobility

For over 25 years, Kanagaraj toiled at a poultry farm on meagre wages. He often had to borrow money from friends and even pledged his family’s gold in a nationalised bank. It was not a happy experience – the long wait and inadequate loan amounts.

It was at such a juncture that a friend first told him about Manappuram. He approached Manappuram for a gold loan to try his luck with entrepreneurship, setting up a small shop dealing in mobile phones. The higher loan to value (LTV) at Manappuram as compared to nationalised banks was a pleasant surprise. He therefore withdrew all his ornaments from the bank, and re-pledged them with Manappuram. The service standards were much better. He got his money within minutes. That was how last year (2010) Krishna Mobile Sales & Service came into existence at the

Namakkal – Thuraiyur Main Road.

Corporate Identity Chairman’s LetterHighlights3 Company overview

Komala C: A nursery blooms

Komala’s family owns close to an acre of agricultural property at Ekarool, near Balussery. Farming interested her and opening a vegetable garden and nursery was a dream she nurtured fondly. It was around this time that she happened to be at the Balussery Branch of Manappuram Finance to avail a gold loan. The loan was soon repaid. But, the hassle-free experience and prompt service made a lasting impact. The lower rates of interests were also a relief.

Shortly afterwards, she returned to Manappuram for a gold loan that would plant the seeds of a dream come true. A few saplings of mango, nutmeg and some flowers were among her first purchases. Her business began to thrive because she cultivates her plants organically, without use of chemical fertilisers or pesticides. She now earns close to `10,000 each month and has managed to repay most of the loan borrowed from Manappuram.

Gold Loans

Ancillary products

Our short-term gold loans can be

borrowed for as little as 12% and

interest rates gradually go up to

24%. Of course, the interest rate,

and terms and conditions depend

upon the amount borrowed.

Adaptability to borrower needs and the speed with which transactions are accomplished, are distinguishing features of the gold loan model. At Manappuram, we enhance these qualities through our varied offerings.

Flexibility

Most people who approach us belong to the lower and middle classes. Keeping in mind the requirements of this very group, we ease out the pressure that an asset-based loan may otherwise put on the borrower. In a gold loan, there is no hard-and-fast EMI schedule to be adhered to. The borrower must only pay the periodic interest amount due, and his account continues to be in good standing.

Our short-term gold loans can be borrowed for as little as 12% and interest rates gradually go up to 24%. Of course, the interest rate, and terms and conditions depend upon the amount borrowed.

While in the normal course we limit the average per customer gold exposure to about 40 gm, there is provision for sanction of higher loan amounts. Such transactions are evaluated at length and must be approved by our risk management committee. They are not routinely carried out over the counter unlike the other transactions.

It is our experience that the bulk of repayments is received within the first four months of the loan period. As there are no pre-payment penalties, and because there is an anxiety associated with parting with one’s precious assets, borrowers are generally prompt in repaying the loan.

HAssle-Free experienCe

Loans for short durations, freedom from tedious paperwork, no other procedural hassles, cash disbursals, easy repayment options, a sophisticated core banking technology platform, and a branch close by – all of these characteristics make gold loans a most favoured loan option. Add to this the respect given to the borrower’s asset, the focus on service, and it makes Manappuram the most preferred gold loan company.

Gold coins• Customised Gold Coins • 24 and 22 Carat hallmarked gold coins

Swarnanidhi• Customised gold purchase schemes• Duration of scheme ranges from 12 to 60 months

Gold Overdraft

• Lockers to store jewellery offered free of charge• Interest applicable if cash drawn against jewellery

Loans• Historical portfolio of vehicle loans and business and

personal loans

Deposits• NCDs with maturities between 1 year – 5 years • Bonds with 5-year and 10-year lock in

Money Transfer

Foreign Exchange


24

16

386

391405

374

102

61

2

10

51

66

37

42

48

Jammu&

Kashmir

Odisha

21

2

24

Headquartered at a coastal village in scenic Kerala, Manappuram has established a strong presence in the South (76% of branches), which currently accounts for 40% of India’s gold demand and 85-90% of the gold loans market in India.

Geographic spread


Number of Branches

Map not to scale

CreditworthinessHigh credit ratings (credit rating history of 15 years)

CP/STD: A1+ (ICRA) and P1+ (Crisil)

LT NCD: CARE AA-

Working Capital as per Basel II: LA+ (ICRA)

Brickwork (AA-) (for NCDs)

Fund Sources

Credit lines from 35 banks (SBI, ICICI,

PNB, HDFC, Axis, Kotak, Barclays and DBS

among others)

Retail non-convertible debentures and bonds

Commercial papers from short term

money markets

paka Dillip Dora: tractor driver turns tractor owner

Paka Dillip Dora drove a tractor in village Erendra in the Ganjam District of Odisha. While his father is a marginal farmer, Dillip worked on daily wages for a landlord in a neighbouring village. He has a brother working as a mechanic in Dubai who occasionally sends home money. The family contemplated buying more agricultural land with these savings, when a civil construction project commenced in the area. There was good demand for tractors to excavate soil. Dillip shelved the idea of acquiring more land and thought of buying a second-hand tractor instead.

A deal with a prospective seller was made, and an advance amount of ` 20,000 was paid to seal the agreement. The agreement stipulated that the balance amount should be paid on or before January 10, 2011, failing which the amount would be forfeited.

As the due date approached, Dillip was unable to raise the balance amount in full despite his best efforts. He was now resigned to losing the advance amount he had paid.

It was at such a moment of despair that he chanced upon a TV ad for Manappuram Gold Loans at his employer’s residence. He rushed to the nearest branch of Manappuram at Berhampur with all the gold at his home. He was pleasantly surprised when the branch officials told him he was eligible for a loan of ` 56,000. The amount exceeded his expectation and was more than adequate to meet the shortfall. Today, the proud tractor-owner earns about a thousand rupees a day.


Our Firsts… Typical customer requirements (%)1

First NBFC from the State of Kerala to be registered with Reserve Bank of India, fully complying with RBI directives.

First NBFC from Kerala to be rated by ICRA (in 1995), a credit rating agency approved by the Reserve Bank of India and the rating awarded to its Public Deposit Programme was ‘MA-’, indicating adequate safety for deposits.

First NBFC to go for a Public Issue from Thrissur

First NBFC from Kerala to have received Adequate Safety rating for its Secured Non-convertible Redeemable Debenture issue for ` 50 million.

First NBFC from Kerala receiving AD (Authorised Dealer) – II category licence from RBI for its Forex operations

First NBFC from Kerala to come out with a Bonus issue of 1:1 (in 2007)

First NBFC from Kerala to receive Foreign DirectInvestment (FDI)

First NBFC from Kerala to obtain Broker’s License from IRDA (Insurance Regulatory and Development Authority)

First NBFC in Kerala to receive a Short-term rating ofA1+ by ICRA. This is the highest Short Term Rating awarded by ICRA to any Corporate in India.

15.6

14.1

18.0

14.0

8.3

30.0

Agriculture

Medical requirements

Working capital

House construction/ purchase/ repairs

Education

Other

V. rajani: young widow turns bread-winner

V Rajani is a young widow from Palakkad who runs a small business supplying cooked food to pushcart vendors around the city bus-stand area. It was the death of her husband two years ago and the pressure to earn a livelihood to support her family, which forced her to start out on her own.

When she began, she had no background in business and she had no idea how to go about a bank loan. Like most Indian women, she possessed some gold jewellery, with which she approached Manappuram’s Palakkad Town branch for a gold loan.

Rajani now makes up to ` 1200 a day from her business. Over the past two years, she has saved enough to buy a small plot of land and now looks forward to building a small house on it.


Striking gold with numbers

totAl inCoMe

2007

-08 796.59

(` in mn)

1,661.09

4,782.01

11,815.26

2008

-09

2009

-10

2010

-11

Asset unDer MAnAgeMent

2007

-08 5,783

(` in mn)

9,867

26,176

75,491

2008

-09

2009

-10

2010

-11

net interest inCoMe

2007

-08 653

(` in mn)

1,275

3,413

8,496

2008

-09

2009

-10

2010

-11

eArnings per sHAre (bAsiC)

2007

-08 1.88

(`)

2.19

4.09

7.61

2008

-09

2009

-10

2010

-11

net WortH

2007

-08 929.82

(` in mn)

1,678.72

6,105.60

19,239.57

2008

-09

2009

-10

2010

-11

net proFit

2007

-08 209.89

(` in mn)

302.95

1,197.21

2,826.64

2008

-09

2009

-10

2010

-11


Graphs not to scale

groWtH in 2010-11 oVer 2009-10

147.08%

148.93%

136.10%

86.06%

190.53%

224.56%

Total income

Net interest income

Net profit

Earnings per share (basic)

Asset under management

Net worth

10-fold increase in the number of shares traded

` 1,000 million budgeted for advertisement campaigns

Manappuram Finance Limited scrip to feature in Group A securities at Bombay Stock Exchange

Budgeted ` 1,000 million on extensive advertisement campaigns (television and print media), which began to be aired in the year under review. Out of the total budget, 10% has been reserved for endorsements

Initiated a stock split as well as bonus issue at the ratio of 1:1. With this stock split, existing shares (face value of ` 10 each) were split into five shares (face value - ` 2 each). The bonus issue saw an increase in the paid-up share capital from ` 340.3 million to ` 680.6 million. The combined effect of the stock split and bonus issue saw a 10-fold increase in the number of shares traded

Raised ` 10,000 million through a qualified institutional placement (QIP) forexpansion plans

Manappuram Finance Limited scrip to feature in Group A securities at Bombay Stock Exchange (BSE) (effective April 11, 2011)

Reviewing 2010-11


Chairman’s Letter


V. P. Nandakumar

Executive Chairman

10% 18,000 2,826.6India’s NBFC sector, which accounts for about 10% of the total assets of the banking sector

India has the world’s largest stock of privately held gold

Manappuram reported a profit after tax

tonnes million

`

Thanks largely to the cumulative economic reforms from 1991 onwards, the Indian economy is on a firmer footing and has been able to weather the impact till now. A clear indication of its strength is that despite the slight decline in the last quarter of 2010-11, the overall GDP growth rate for the year stood at a healthy 8.6%.

Dear Shareholder,

It gives me immense pleasure to present to you our 19th Annual Report, a record of our accomplishments of the year ended March 31, 2011 and a chronicle of how we made it happen. The year has been pivotal for us at Manappuram. Like the end of the teenage years, the beginning of the twentieth year of our existence endows us with virtues such as maturity, a sense of mission and purpose in life, and the zest to be bigger than what we already are. And all that we stand for today – trust, uncompromising integrity, exceptional success – we owe it to our many stakeholders.

eConoMiC outlooK

Amidst looming risks, the global economy has managed to hold its own so far. However, the dark clouds continue to threaten, such as the mounting risk of the Eurozone debt crisis getting out of hand, the continuing slump in the US realty market accompanied by distressingly high unemployment levels, elevated commodity prices, early indications of overheating in the emerging markets, and various geopolitical perils, that threaten to derail the global economic recovery all over again. Thanks largely to the cumulative economic reforms from 1991 onwards, the Indian economy is on a firmer footing and has been able to weather the impact till now. A clear indication of its strength is that despite the slight decline in the last quarter of 2010-11, the overall GDP growth rate for the year stood at a healthy 8.6%.

At the same time, warning signs have emerged which need immediate attention. With the perceptible slowdown in the reform impetus over the last few years, the economy is now beginning to show telltale signs of wear and tear. Food inflation has spread

outwards and the consequent monetary tightening by RBI has led to a sharp increase in interest rates and heightened anxieties about an impending slowdown. Given the nature of the inflationary pressures we face, I believe the government can no longer delay hard decisions about accelerating the pace of fiscal consolidation. Otherwise, India faces the real danger of getting caught in an inflationary spiral.

tHe nbFC seCtor

India’s NBFC sector, which accounts for about 10% of the total assets of the banking sector, is passing through a critical phase. By all objective measures, this sector has made rapid strides in recent years and led the way forward in delivering innovation and outstanding value to stakeholders. Moreover, it plays a critical part in filling the many gaps left by the banking sector. The performance of the NBFCs has been particularly impressive in areas that are national priorities, like infrastructure finance, SME finance, housing finance, micro finance and financial inclusion.

In my letter last year, I had referred to the trend of increasingly tight regulation of the NBFC sector and cautioned that the dividing line between regulations that seek to minimise risk and those that stifle innovation and efficiency can be thin. Today, these words have acquired added resonance in the context of regulatory concerns about the systemic risk posed by the sector arising from its rapid growth. An unfortunate outcome has been that more effort and energy is being expended on curbing the growth of NBFCs by adding to their regulatory burden than on furthering their potential to be a transformative force for financial inclusion. For instance, the recent


The Board of Directors has recommended a dividend of 30% on equity capital enhanced by the issue of 1:1 bonus shares. Incidentally, this is the third occasion in the last five years that your Company has declared a 1:1 bonus.

move to deny priority sector status to the loans given by banks to NBFCs has had the effect of pushing up cost of funds for the sector. Unfortunately, the ultimate impact falls on borrowers who belong largely to the underprivileged and financially excluded sections of society who habitually lock their limited savings in gold.

perForMAnCe oF tHe CoMpAny

Consistent with the record of recent years, the past year has also been one of exceptional success for the Company, with working results that put it squarely at the top of the league of best performers. During FY 2010-11, your Company posted a net profit of ` 2,826.6 million compared to ` 1,197.2 million the year before, a remarkable increase of 136%. The surge in profits was driven by the record growth in Asset under Management (AUM) which have shot up to ` 75,492 million, from the previous year’s level of` 26,176 million. Indeed, our total gold loan disbursements during the year amounted to a staggering ` 180,559 million. A year before, it stood at ` 71,235 million. There is no doubt that your Company’s high profile advertising campaign — revolving around celebrity brand ambassadors — has significantly enhanced its brand image.

Not surprisingly, your Company continued to find favour with the leading foreign and domestic Private Equity (PE) investors and was able to raise additional equity capital of ` 10,000 million through the QIP route in November 2010. Moreover, in keeping with a track record of uninterrupted and steadily increasing payouts, your Board of Directors has recommended a dividend of 30% on equity capital enhanced by the issue of 1:1 bonus shares. Incidentally, this is the third occasion in the last five years that your Company has declared a 1:1 bonus.

golD loAns AnD tHe eConoMy

At 18,000 tonnes (a World Gold Council estimate), India has the world’s largest stock of privately held gold. And when it lies locked away, it is a drag on the economy; billions of dollars in savings

kept out of the financial system. Today, following the footsteps of Manappuram and its peers, a host of new players have been encouraged to get into the business. Commercial banks have shown particular enthusiasm. India can thus expect more idle gold to emerge from its safes and lockers and be put to productive use.

As gold loan NBFCs expand their reach, they displace the unorganised sector – neighbourhood pawnbrokers and moneylenders—and effectively push back the frontiers of the parallel economy. This must be acknowledged as a developmental activity whose major beneficiary is the government. For instance, in fiscal year 2010-11, Manappuram reported a profit before tax of ` 4,238.96 million of which ` 1,412.30 million was transferred to the government as corporate income tax. A year before, the Company had paid ` 640 million as income tax out of a PBT of ` 1,820 million.

tHe CHAnging FACe oF golD loAns

For a long time, gold loans were a taboo. Today, however, half of our gold loan customers belong to farming and small business communities — traders, shopkeepers and the self-employed — who use gold loans for productive purposes. They also use gold loans for exceptional needs, like the requirement to build up extra stock during a busy season. Interestingly, even where they have availed credit limits from the banking system, gold loans continue to be favoured for its flexibility, speed, and hassle-free experience. What is more, among those who resort to gold loans for purposes reported as ‘consumption’, a significant proportion goes towards meeting medical emergencies, education expenses or to make up for shortfalls in the budget for repairs, construction or purchase of houses/flats.

The character has changed, but the attitude towards gold loans has not. The public at large and our regulators continue to treat gold loans as something of a stepchild. How do we change this perception, is a challenge we have now taken upon ourselves.


The Janaraksha Manappuram Health Insurance Scheme covering 20,000 BPL families of the Valapad/Nattika areas, is today an acclaimed model of a CSR mission that is focused and relevant to the needs of the community.

WHAt next?

The Indian gold loans market remains underpenetrated despite the many successes notched up by our business model as well as the presence of flourishing competitors. The gold loan customer profile is mostly lower middle class. For the economy to derive full benefits from the monetisation of gold, it is necessary that the idle gold belonging to the upper strata is also unlocked. And, while the increasing acceptability of gold loans is a welcome sign, we still have a long way to go. In this context, your Company is uniquely positioned to tap into this vast potential. In the last fiscal year for instance, we managed to triple our gold loan AUM. As we augment our financial strengths to meet the requirements of an expanding customer base, we are also committed to using our resources for the betterment of society through our community and environmental initiatives.

tHe CoMMunity MAtters

The Manappuram Group set up the Manappuram Foundation in October 2009 to reach out to the wider community, particularly in the area around the village of Valapad where Manappuram was born and where it continues to be anchored. The Foundation intervenes by way of resources and commitment to projects that enrich people’s lives and make a difference. Our initiatives encompass healthcare, empowerment of women and the underprivileged, and education.

The Foundation’s first major venture, the Janaraksha Manappuram Health Insurance Scheme covering 20,000 BPL families of the Valapad/Nattika areas, is today an acclaimed model of a CSR mission that is focused and relevant to the needs of the community. In less than a year, the scheme has benefited close to 4000 families who have been reimbursed a total of ` 25 million for hospital treatment undergone by them.

In January this year, the Foundation launched its second major initiative, the Sarojini Padmanabhan Women Empowerment

Programme, a novel outreach to provide sustainable livelihood to the women of the coastal belt of Thrissur and, simultaneously, reverse the declining interest in farming activity. The Foundation has taken on lease a plot of fallow agricultural land, where a women’s Self Help Group (SHG) specially formed for the purpose has taken up organic cultivation of fruits and vegetables.

Lastly, I am indebted to all our distinguished shareholders and to our employees for the efforts they have put into making Manappuram the success it is today. I must also make a special mention of the foreign and domestic investors who made our November 2010 QIP a success. With the support of all our stakeholders, this Company is geared to scale greater heights in the years to come.

With best wishes,

V. P. Nandakumar


The proud borrowerIt has been a long tradition in India to invest one’s savings in gold. In times of need, a person may borrow against the jewellery available right at home. Gold is non-depreciating, in fact, more often than not its value appreciates over time. Gold loan borrowers have a sense of pride in them that they have merely exchanged their savings in gold for cash, that too for a limited period of time. There is no loss of honour or self-respect.


At Manappuram, we have

always believed that it is the

borrower’s right to be served

with the utmost courtesy and

promptness, no matter how

small his or her requirements

may be. Besides, we are

the perfect custodians of

the borrower’s asset –

trustworthy, regulated by the

law and fully insured!

No debt trapA gold loan is settled either by repayment or, in case of default, by sale of the pledged security.

Simple and fastThe procedural ease is what attracts borrowers to this loan model, unlike as in banks.

No depreciation of underlying assetUnlike other secured loans, the underlying asset in a gold loan is a liquid asset whose value does not depreciate with time. Moreover, the transaction costs involved when enforcing the security are minimal.

Practically without recourseGold loans are effectively given out on a ‘without recourse’ basis. However, the loan agreement does incorporate the right of recourse to the other assets of the borrower, seldom enforced in practice. We do not employ recovery agents to chase after the borrower.

No questions askedAt Manappuram, we recognise the sensitivity of a gold loan borrower’s circumstances. Money is advanced solely on the criterion of the value of gold pledged and questions about the purpose of the loan are limited only to eliminate the wildly speculative or anti-social activities.

Apt for the unorganised segmentMore than 90% of India’s workforce is employed in the unorganised sector. Gold loans are ideal for them as they need not prove their sources of income.

India has the world’s largest stock of privately held gold

with informed estimates ranging from 15,000 to 20,000

tonnes of gold. When this gold remains idle in our

lockers and vaults, billions of dollars in savings (about

US$ 720 to US$ 975 billion) are kept out of the financial

system. This sum could have been lent out to industries

and for building infrastructure. When gold is monetised,

it accelerates economic activity leading to higher

demand and consumption expenditure.

Virtues We Honour Social ResponsibilityCore Strengths Growth Strategies15 StrategiC overview

Since the value of gold appreciates, unlike cash, the business revolves more around gold, not cash. And so in the larger scheme of things, we at Manappuram become the custodians of the borrower’s asset. We are answerable to our customers should anything go wrong.

In safe hands


We therefore take all

possible precautions to

protect our borrowers’

jewellery. We are

committed to produce it

instantaneously and in the

original form at the time

of return.

Burglar alarmsBurglar alarms are installed at all branches and phone numbers of the assistant branch head, branch head, the concerned police station and control room are integrated into the alarm system. When the alarm goes off, it triggers a call to these numbers.

Shared responsibilityJoint custodianship by the branch head and the assistant branch head: Both the branch head and the assistant branch head possess the keys to the safe or strong room, which can be opened only if both keys are inserted at the same time.

InsuranceAll gold in the possession of the Company is insured at the replacement cost of gold. All the branches are insured as well. After arriving at the scrap value of gold, an additional 15-20% is added as replacement cost. So there is really no downside in the disbursals of loans.

Security guardsRound the clock security guards are present to ensure complete safety of the branch. In addition, we have recently implemented patrolling services to reduce risk of burglary.

IP/CCTV camerasWe have installed IP/CCTV cameras at several branches. We intend to continue to install cameras at our branches and at least two cameras at branches that are located in high-risk areas.

Knowing our customersAll our branches follow standard ‘know your customer’ (KYC) policies and other customer appraisal procedures, depending on the amount of the Gold Loan. We implemented additional identification confirmation procedures, like retaining a live photograph of each customer in our system, and confirming the customer’s mobile number through a unique identification number conveyed by SMS at the time of the pledge.

AlertIn cases that we perceive to be risky, an alert is raised and followed up with verification by the Area Heads. We also have random checks for all the branches to minimise discrepancies.

TrackingWe monitor the high growth branches by checking the operating, repository, audit and sales functionaries on a weekly basis to mitigate possibilities of fraud at every branch.

2000+ strong-rooms/safes across the country

Armed security at all high-value branches

Breaking into a safe in the normal course is

almost impossible.

500+ branches already equipped with Surveillance

Cameras; others to follow suit shortly

Customised safety measures


Fastrack technologyManappuram’s investment in technology has brought many returns. It has helped us in delivering quality service, in minimising errors, streamlining procedures, reducing turnaround times in gold loan disbursal, and in the faster transmission of data and advanced risk management practices.


Core banking Manappuram was the first in the gold loan segment to adopt the ‘core banking’ platform. We invested in developing proprietary technology solutions, which have enabled real time network linkage of branches across the country with the head office. The result – for customers, there is the flexibility of repayment at any Manappuram branch and, for the Company, lower chances of defaults by duplicate identity.

Online information accessWe upload data in real-time from each branch to facilitate online information access. Our technology-aided operations reduce the transaction time significantly, easing the process for customers and attracting more of them. The availability of real time information has made possible faster management responses at Manappuram.

Internal control systemOur technology platform has aided the development of an effective risk-mitigating internal control system and internal audit.

Disaster recovery systemOur disaster recovery system located outside Kerala, replicates data in actual time. The centralised offsite surveillance at all our branches ensures security of our assets.

Advanced locking systemIn the near future, we at Manappuram have also scheduled the implementation of an IP-based locking system for the lockers in order to enhance our security system.

During the year, Manappuram entered into a

technology tie up with IBM to further upgrade its

technology platform and maintain operational

excellence in various functions.


The most popular stars endorse brand Manappuram in every region of our operations. To enhance and reinforce the value and credibility of brand Manappuram, we have budgeted extensively for advertising campaigns with strong regional appeal. The standing and strong mass association of our ambassadors helps to educate the people about gold loans, in their own mother tongues.

The Star Factor


VenkateshFor Venkatesh, Manappuram was the first ad campaign to which he agreed to lend his name. An MBA from the US, he was the natural choice for us as he understood the Manappuram philosophy and brought credibility to our brand in Andhra Pradesh.

Mohan LalA Malayalam film stalwart, Mohanlal is one of the hottest properties in the celebrity endorsements market. A name to reckon with in Kerala as well as the vast Malayali diaspora, we chose Mohanlal to add weight to our presence in the state.

Puneeth RajkumarKannada film actor Puneet Rajkumar, son of the legendary Rajkumar, has stolen many a heart with his performances. For us, he was the man to represent brand Manappuram in Karnataka.

VikramSuave and sophisticated, yet an actor with whom everyone can relate. In Tamil Nadu, Vikram enjoys great popularity and respect.

Akshay KumarThe man of the masses, action superstar Akshay Kumar has enjoyed fame and recognition not only for his Hindi film performances, but is also known for being the perfect family man – a virtue we at Manappuram are happy to be associated with.

Mithun Chakrabarty The star with an inimitable presence, Mithun da, as he is popularly referred to in Hindi as well as Bangla cinema, is recognised for his stability and integrity as an actor. A National Award winner, he represents our brand in West Bengal.

Sachin KhedekarA popular Marathi and Hindi film and television star and a fine character actor noted for his sensitive portrayals, Sachin Khedekar lends credibility to our brand in Maharashtra.

Uttam MohantyOne of the most popular film stars in Odisha, with over 135 Odiya and 30 Bengali films to his credit, Uttam Mohanty brings star power to our brand in Odisha.

The Company has signed on top stars from film

industries in Andhra Pradesh, Kerala, Karnataka,

Tamil Nadu, Bollywood, Maharashtra, Odisha

and West Bengal. Over the year, the campaigns

have succeeded in generating sharply higher

business in the gold loan category.


Advantage ManappuramFastest growing player in the high growth Indian gold loan industry

1 3 5

2

Strong distribution network

Celebrity endorsement enhancing brand recall and high trust quotient

Robust business model complemented by efficient technology platform

Stringent risk management framework

USPs of Manappuram

4


6

Access to multiple sources of low cost funds

Experienced management team and Board of Directors

Flexible product offerings catering to customised needs

Consistently growing financial performance

Strong support from all stakeholders

g. Mariya Arul baskar: the life-saver loan

G Mariya Arul Baskar has been running “Arul Medical Stores” in the bus-stand complex at Alangulam for the past four years. Since 2009, whenever he has needed money, he has approached the Alangulam Branch of Manappuram Finance for a gold loan. According to him, the preference for Manappuram Finance is because he gets the maximum loan amount and also the easy procedures and prompt service. This aspect is particularly helpful to him because he cannot afford to be away from his store for long hours. His business is now doing well and he has employed two assistants as well. He gives all credit to Manappuram for having helped him in uplifting his business and life.

7

8

9

10


Continuously grow the gold loan business

The organised gold loan market is approximately 1.2% of the value of total gold stock in India. We intend to increase our presence in the under-served rural and semi-urban markets, where a large proportion of the population has limited access to credit because they do not meet the complex eligibility requirements of banks or financial institutions, because credit is not available in time at reasonable interest rates, or it isn’t available at all.

Proactively expand branch network

We continue to grow our gold loan portfolio by expanding our network through branch-additions. We have added over 1000 branches in 2010-11. We propose to increase our branch strength by about 500 additional branches in 2011-12, including in the states where we have no operational presence. It has been found that on a per-branch basis, our increase in principal amount of loans and revenues is generally more than the increase in proportionate operating costs each year, providing us with economies of scale as branches mature.

Taking the Manappuram brand to greater heights We have established strong brand recognition in the rural and semi-urban markets of India, particularly in the southern states of Kerala, Tamil Nadu, Karnataka and Andhra Pradesh. We intend to continue to add to our visibility by using celebrities in our advertising campaigns and as well as through other marketing initiatives on radio, television and outdoor advertising.

Sustaining the growth momentum


Update technology platform

We at Manappuram believe that progress in technology reduces operational and processing time and thereby improves our operating efficiencies. We intend to further develop and strengthen our technology platform to support our growth and improve the quality of our services. Our improved comprehensive knowledge base, customer profile and support systems will assist us in the expansion of our business. We also propose to strengthen technology know-how in our jewellery appraisal process.

Continuously strengthen risk management procedures and related systems

For enhanced focus on our integrated risk management framework, we intend to set up support processes to identify, measure, monitor, report and mitigate major risks. We propose to invest significantly in personnel, technology and infrastructure towards improved process efficiencies and mitigate business risks.

Attract and retain high quality talent

We intend to continue our focus on attracting and retaining high quality talent. We continue to cash in on our strengths in recruitment. We continuously develop targeted compensation schemes to retain our key management personnel and professionals, such as offering performance-linked incentives and ESOPs.


sukumaran p: surviving cut-throat competition

Sukumaran P is a transport operator who drives his own lorry. It is a business where unexpected expenses are routine. In the beginning, he depended on friends and relatives for small loans, but over time, they became uncomfortable and unfriendly.

And that is when he began considering gold loans. He availed his first gold loan in 2006. There were many companies from which to pick. However, he chose Manappuram because it granted the maximum loan amount per gram. His first loan was ploughed into his business.

Over the years, Mr. Sukumaran has come to appreciate other aspects of Manappuram’s convenient services: extended working hours, Sundays being workdays, prompt service even during rush hour, timely completion of transactions. He even recommends Manappuram to his friends and relatives.

The community matters

JAnArAKsHA MAnAppurAM HeAltH insurAnCe For bpl FAMilies

As was elaborated in last year’s annual report, the Foundation’s first mission was the original plan to make health care more accessible to the needy in the seven Panchayats in the Valapad area in the coastal belt of Thrissur District. The Janaraksha – Manappuram Free Health Insurance Scheme provides free health insurance for all 20,000 BPL families in seven identified Panchayats around Valapad. The policy covers their medical expenses up to an annual limit of ` 60,000. It takes care of most common diseases including heart ailments, cancer and maternity care. The heads of the beneficiary families are additionally insured for a sum of ` 75,000 against death due to accident. Also, in the event of death from cancer, the dependents are eligible for cash compensation of ` 25,000 directly paid by the Foundation. The premiums payable by the beneficiaries are entirely funded by the Manappuram Foundation, at a recurring annual cost of about ` 4 million. Since the beginning of the year when the scheme began, nearly 5,000 families have benefited, having been reimbursed a total amount of about ` 25 million for much needed medical treatments..

tHe sAroJini pADMAnAbHAn WoMen eMpoWerMent progrAMMe

The Sarojini Padmanabhan Women Empowerment Programme was formally inaugurated on January 1, 2011 by the Union Minister of State for Agriculture, Prof K.V. Thomas. This novel initiative seeks to give disadvantaged women of the area a sustainable source of income to support their families. To this end, the Foundation forms self help groups (SHGs) of women to execute common activities involving ownership and management of farming and far-related activities to generate income. As the project gains strength, these women will be guided and trained to become change agents, to aid financial and social development of the community.

A round-up of CSR at Manappuram CSR at Manappuram borrows intimately from its pursuit of building sustainable businesses that create market

value as well as social value. By integrating social imperatives into our corporate structure and processes,

we shoulder the duties that our corporate citizenship entails. We collaborate with internal as well as external

stakeholders to make an impact in the community at large through grassroot programmes in healthcare,

women empowerment and charity.

The establishment of Manappuram Foundation, a charitable trust, at Valapad in October 2009, became our

first significant milestone. It gave concrete shape to Manappuram Group’s corporate conscience, with an

institution to formally carry forward its CSR mission and the larger vision driving the Company’s quest to

create social value.


Two SHGs have been formed to cultivate a 1.3-acre plot leased by the Foundation. They cultivate okra, brinjal, bitter gourd, snake gourd, yam, spinach, etc. The Foundation has further arranged a venue for the group to sell these vegetables directly to consumers in and around our HO premises.

The larger intent is that more groups of eligible and willing women from these areas will be identified and provided with suitable resources to start similar cultivation. Gradually, an entire area will be adopted where the women would be encouraged to engage in activities that result in surplus food for sale as a sustainable source of family income. Over time, the larger goal is to earmark a portion of the surplus from these ventures to promote basic infrastructure development of the community, like drinking water projects, sanitation facilities etc.

ongoing engAgeMent WitH tHe CoMMunity

As part of its ongoing engagement and involvement with the community, Manappuram Foundation provides financial assistance to various needy individuals, charitable institutions, and other worthy causes. Over the last year and a half, the Foundation has disbursed a total of ` 3 million towards the endeavour.

A major beneficiary has been the Alpha Pain and Palliative Care Clinic, an independent institution that has pioneered palliative care in the Thrissur district. The clinic received a grant of ` 500,000 in December 2010. We have provided the Clinic with regular monthly supportof ` 50,000 to meet expenses ever since.

Another beneficiary has been Oruma Snehakootayma, a prominent local charity based at Nattika. They were initially given a grant of ` 500,000 in May 2010. This was followed by a further grant of ` 360,000 in August, 2010 to fund their programme to support poor and elderly widows. A hundred such widows will receive monthly pension of ` 300 for the next one year.

The Foundation has also been active outside of Kerala, in neighbouring Karnataka and Tamil Nadu. In Bangalore, for instance, the Foundation has awarded scholarships to deserving underprivileged students, liberal donations to schools and orphanages, and financial assistance to kidney, cancer and heart patients from poor families. Similar activities were also carried out at Karur and Coimbatore in Tamil Nadu.


Board of DirectorsV. P. Nandakumar, aged 57 years, is the Executive Chairman of our Company. He holds a masters degree in Science from Calicut University and is also a Certified Associate of Indian Institute of Bankers. He is the chief Promoter of the Manappuram Group of Companies and has in the past been associated with the banking industry in various capacities. He is the Chairman of the Equipment Leasing Association (India) and the Kerala Non-Banking Finance Companies Welfare Association. He has been the Director of our Company since July 15, 1992.

I. Unnikrishnan, aged 47 years, is the Managing Director of our Company. He holds a bachelors degree in Commerce from Calicut University and is also a fellow member of the Institute of Chartered Accountants of India. He has experience in rendering advisory services relating to NBFCs. He has in the past worked with HAWA-MK Electrical Limited. He has been the Director of our Company since October 11, 2001. He was appointed as the Managing Director on October 1, 2006.

B. N. Raveendra Babu, aged 59 years, is the Joint Managing Director of our Company. He holds a masters degree in Commerce from the Calicut University and completed his inter from the Institute of Certified Management Accountants. He has worked in a senior position in the Finance and Accounts Department of Blue Marine International in the U.A.E. He has been the Director of our Company since July 15, 1992. He was appointed as the Joint Managing Director on January 11, 2010.

V. R. Ramachandran, aged 59 years, is an Independent and Non Executive Director of our Company. He holds a bachelors degree in Science from the Calicut University and a bachelor’s degree in law from the Kerala University. He has over 32 years of work experience and is a civil lawyer enrolled with the Thrissur Bar Association. He has been the Director of our Company since April 19, 2002.

A. R. Sankaranarayanan, aged 85 years, is an Independent and Non Executive Director of our Company. He holds a masters degree in Science from Annamalai University and is a retired officer from the Indian Revenue Service. He has over 50 years of work experience and has in the past worked as Director of the Prime Minister’s Secretariat, Managing Director of SAIL International Limited and Director of the Federal Bank Limited. He has been the Director of our Company since August 18, 2003.

P. Manomohanan, aged 70 years, is an Independent and Non Executive Director of our Company. He holds a bachelor’s degree in Commerce from Kerala University and also a diploma in Industrial finance from Indian Institute of Bankers. He is also a Certified Associate of the Indian Institute of Bankers. He has over 38 years of work experience in the RBI and in the regulatory aspects of NBFCs. He has in the past held the post of General Manager of Reserve bank of India. He has been the Director of our Company since August 18, 2003.

V. M. Manoharan, aged 65 years, is an Independent and Non Executive Director of our Company. He holds a masters degree in Commerce from University of Kerala and holds a Doctor of Philosophy in International Business (Commerce) from Cochin University of Science and Technology. He has over 40 years of work experience and has in the past held the posts of Deputy Director, Collegiate Education, Thrissur Zone and Dean, KMCT school of Business, Kozhikode. He also held the post of the Principal in various Government Colleges in Kerala and was also a Syndicate Member of University of Calicut. Presently, he is a member of the steering committee, Vidya International Charitable Trust, Thalakkottukara, Thrissur and of the All India Management Association and the Association of Indian College Principals. He has been the Director of our Company since August 18, 2003.


M. Anandan, aged 61 years, is an Independent and Non Executive Director of our Company. He holds a bachelors degree in Commerce from the Madras University and is a qualified Fellow Chartered Accountant. He has more than 30 years of work experience in the field of financial services. He has in the past worked with Cholamandalam DBS Finance Limited and with Cholamandalam MS General Insurance Limited as its Managing Director. He was also the Director in Charge of DBS Cholamandalam AMC Limited and DBS Cholamandalam Securities Limited. Currently he is the Chairman of Aptus Value Housing Finance Limited. He was on the board of Equitas Micro Finance India Private Limited as a Non Executive Director. He has been the Director of our Company since August 17, 2009.

Shailesh J. Mehta, aged 62 years, is an Independent and Non Executive Director of our Company. He has completed his Bachelor of Technology in Mechanical Engineering from Indian Institute of Technology, Mumbai, and holds a masters degree in science in Operations Research from Case Western Reserve University. He holds a Doctor of Philosophy degree in Operation Research and Human Letters from the California State University and in Operation Research and Computer Science from Case Western Reserve University. He has over 38 years of work experience and has held the post of President Granite Hill Capital Ventures, Chairman and Chief Executive Officer Providian Financial Corporation, operating general partner West Bridge Capital, president and Chief Operating Officer Capital Holding and Executive Vice President Key Corp (formerly Ameritrust). He has also held the post of Chairman and Chief Executive Officer, Providian Financial Corporation and President and Chief Operating Officer Capital Holding. He has been the Director of our Company since August 17, 2009.

Jagdish Capoor, aged 72 years, is an Independent and Non Executive Director of our Company. He holds a masters degree in Commerce from Agra University and has also done his fellowship from Indian Institute of Banking and Finance. He has more than 39 years of work experience in banking and finance. He has in the past worked as the Deputy Governor of the Reserve Bank of India, Chairman of HDFC Bank, BSE, Deposit Insurance and Credit Guarantee Corporation of India, Unit Trust of India and also as a Director on the boards of several commercial banks. Currently he is on the board of Indian Hotels Company Limited, Assets Care Enterprise Limited, Indian Institute of Management, LIC Pension Fund Limited and the Chairman of Quantum Trustee Company Private Limited. He has been the Director of our Company since July 20, 2010.

Gautam Saigal, Gautam Saigal, aged 46 years, is a Nominee and Non Executive Director of our Company. He holds a masters degree in commerce from the Calcutta University and is a qualified Chartered Accountant. He has over 19 years of work experience of which over 13 years has been on buy side private equity advisory services. He is the Managing Director of AA Indian Development Capital Advisory Services. Prior to this he Co-Led AIG Global Investment Group’s private equity India advisory team, advising on private equity investments by various AIG Group sponsored funds in India. Earlier he was Vice President at SSKI Corporate Finance, Mumbai. He has served on the board of several companies. Presently he is on the board of Numero Uno Clothing, Siesta Logistics and Barflex Polyfilms Ltd. He has been the Director of our Company since August 17, 2009.

Gaurav Mathur, aged 37 years, is a Nominee and Non Executive Director of our Company. He has completed his Bachelor of Arts in Economics (honours) from Delhi University and master of business administration from Indian Institute of Management, Ahmedabad. He is the Co-founder and Managing Director of India Equity Partners. He had worked with JP Morgan Partners, Singapore, and Deutsche Bank, London. He had also served on the boards of Domino’s Pizza India Limited, Gujarat Glass Limited, MTR Foods Private Limited and RSB Transmission of India Limited. Currently, he is serving on the boards of A2Z Engineering and Maintenance Services Private Limited and IKYA HR Services and Ocean Sparkle Limited. He has been the Director of our Company since October 15, 2010.

The Board Management Discussionand Analysis

Report on Corporate Governance

Directors’ Report29 BOARD AND MANAGEMENT REPORTS


Directors’ Report

to,

the Members Manappuram general Finance and leasing limited

Your Directors are pleased to present the 19th Annual Report on the working of the Company with the Audited Accounts and the Report of the

Auditors for the financial year ended March 31, 2011.

1. FinAnCiAl results

(in ` million)

Description 2010-11 2009-10

Gross Income 11,815.26 4,782.01

Total Expenditure 7,576.30 2,963.75

Profit Before Tax 4,238.96 18,18.26Provision for Taxes/Deferred tax 1,412.32 621.04

Net Profit 2,826.64 1,197.22Profit b/f from previous year 917.11 188.73

Amount available for appropriations 3,743.75 1,474.07

Appropriations:Transfer to Statutory Reserve 565.33 239.45

Transfer to General Reserve 282.67 119.72

Transfer to Capital Redemption Reserve -- 17.15

Dividend on Preference shares -- -

Interim Dividend on Equity Shares -- -

Proposed Equity Dividend 500.25 165.89

Tax on dividend 81.14 27.21

Balance carried forward to next year 2,314.36 904.65

2. DiViDenD

Your Board is pleased to recommend a dividend of 30%

(i.e., ` 0.60 per equity share of ` 2 each) on the paid up

equity capital of the Company. On approval by the Members at

the ensuing Annual General Meeting, the said dividend would

be paid to those Members whose names appear on the

Register of Members as on the date of Book Closure.

The total cash outflow exclusive of tax on account of equity

dividend would be ` 500.25 million as compared to ` 165.89

million during the previous year. It may be noted that the said

dividend is tax free in the hands of the shareholders.

3. rAising oF ADDitionAl CApitAl

As per the approval given by the members at the Extraordinary

General Meeting of the Company held on August 24, 2010,

your directors had allotted 13,210,039 equity shares of ` 2

each at a price of ` 75.70 per share to the promoters by way

of preferential allotment. Further, your Company had raised an

amount of ` 10,000 million by way of Qualified Institutions

Placement in November 2010 by allotting 59,523,809 equity

shares @ ` 168 per share. The amount raised from these

issues was utilised for the purposes of augmenting the

funding needs of the Company and to meet capital adequacy

norms.

During the year, the Company had subdivided its equity shares

from ` 10 per share to ` 2 per share. The Company had also

made a bonus issue in the ratio of one fully paid equity share

for each share held in the Company. During the year, the

Company had also issued 3,755,120 shares to its employees

under the ESOP 2009 scheme of the Company.

The Board Management Discussion and Analysis


Directors’ Report31 Board and management reportS

The Gross Income for this period was ` 11,815.26 million as against ` 4,782.01 million in the year 2009-10.

4. CApitAl AnD reserVes

Capital and Reserves of the Company as on March 31, 2011

stood at ` 19,239.57 million. During the year under review the

Company transferred ` 565.33 million to Statutory Reserve.

5. WorKing results

The year 2010-11 was a year with excellent financial results as

far as your Company is concerned. The Gross Income for this

period was ` 11,815.26 million as against ` 4,782.01 million in

the year 2009-10. The Total Expenditure for the period was

` 7,576.30 million. The Company had posted a record

profit after tax of ` 2,826.64 million for the period under

consideration, signifying an increase of ` 1,629.41 million over

the previous year.

6. business outlooK

Your Company is engaged in the business of gold loans and

would like to be positioned as such, much stronger, in future.

Encouraged by the Company’s success year after year, we

have shaped our business plan for the financial year 2010-11

as part of realisation of our long term strategy to ‘energise’

at least 10% of the vast privately held gold reserves in the

country. Your Company provides credit, the average size of

which is ` 50,000. Given the nature of our operations, it is

essential that we have to be close with the customers and a

country wide presence becomes inevitable. We have decided

to penetrate into areas hitherto underserved by us. Innovative

products, improved relationship management, brand building,

efficient customer service, better use of technology and

reduced operational costs will become the hallmark of

successful NBFCs in future. Your Company’s business strategy

is in recognition of these facts.

7. resourCes

Your Directors could successfully mobilise ` 10,000 million by

way of Qualified Institutions Placement during the year. The

Company was also successful in mobilising funds from the

issue of debentures to both retail and institutional investors

and from instruments like Commercial Paper. Apart from

this, the company is in the process of raising money from

wholesale debt market by the issue of listed debentures.

a) Deposits

As you are aware, your company had stopped

acceptance of deposits way back from 2007. Your

company had changed itself into a non - deposit taking

category B NBFC with effect from March 22, 2011. All

amounts due to deposit holders have been transferred

to an ESCROW account opened with Punjab National

Bank.

As on the date of this report, there were no deposits

which are due for transfer to the IEPF Account of the

Central Government on the expiry of seven years after

maturity. There is a regular follow up on the part of the

Company to redeem unclaimed deposits. The Company

continues to enjoy MA+ rating awarded by ICRA for its

public deposits.

b) secured redeemable non-Convertible Debentures

Your Company continues to issue fully secured

redeemable Non-Convertible Debentures of ` 1000/-

each on private placement basis. The outstanding

balance of Debentures including interest accrued and

due as on March 31, 2011 amounts to ` 1,333 million.

The debentures are issued on private placement basis

and are secured by a floating charge created on the

receivables and other current assets of the Company.

The Company has appointed Trustees to see that the

interests of debenture holders are well protected.

During the period under consideration, your Company

came out with the issue of listed Non-Convertible

Debentures to institutions.

ICRA has assigned ‘LA+/stable’ rating for the same

indicating average credit risk. Under this programme

your Company mobilised ` 3,700 million.

c) unsecured bonds The Company issued unsecured Subordinated Bonds

in the nature of Promissory Notes on private placement

basis. These Bonds will be treated as Tier II Capital as

per RBI norms. The outstanding figure of these bonds as

on March 31, 2011 amounted to ` 1,778.76 million.


Directors’ Report

d) Assignment of receivables

The Company has procured funds through assignment

of receivables to Banks and Financial Institutions during

the year. The aggregate amount assigned as at March

31, 2011 is ` 11,182.83 million.

e) Commercial paper

Your Company enjoys a limit of ` 3 billion for

Commercial Paper (CP) / Short Term Debt programme

having a ‘A1+’ rating from ICRA, which indicates

lowest credit risk in the short term. During the year,

the Company made several issues of the CP and the

outstanding figure of these CP’s as on March 31, 2011

amounted to ` 10,007.87 million.

8. neW reCognitions

Your directors are pleased to inform that the earlier LA rating

of the Company has since been upgraded to LA+ by ICRA. The

outlook on this rating is stable. The Company has also been

awarded ‘A1+’ rating by ICRA for its short term borrowings

in enhancement of the earlier A1 rating. Further, CARE has

assigned AA- rating for long term credit.

9 CoMpliAnCe WitH nbFC regulAtions

Your Company has complied with all the regulatory provisions

framed by Reserve Bank of India for Non-Banking Financial

Companies. The Capital Adequacy Ratio of the Company

as on March 31, 2011 is 29.13 % as against the statutory

requirement of 15%.

10. DireCtors

retirement of Directors by rotation

1) Mr. P. Manomohanan, Director retires by rotation and

being eligible offers himself for re-appointment.

2) Dr. V. M. Manoharan, Director retires by rotation and

being eligible offers himself for re-appointment.

3) Mr. M. Anandan Director retires by rotation and being

eligible offers himself for re-appointment.

Appointment

Mr. T. V. Antony and Mr. K. P. Balaraj were appointed to the

Board of your Company as Additional Directors on May 11,

2010. Mr. K. P. Balaraj was the nominee of Sequoia Capital and

consequent to the sale of its entire holding in the Company,

he resigned from the directorship and offered himself to be

appointed as an independent director.

resignation

During the year Mr. Ashvin C Chadha who was the nominee

of M/s Hudson Equity Holdings Limited resigned from the

directorship of the company on account of his change from

the parent organisation. In addition, Mr. K. P. Balaraj, who was

the nominee of M/s Sequoia Capital had also resigned on the

sale of the entire shares by the nominating company.

Mr. T. V. Antony, director who was appointed on May 11, 2010

resigned with effect from August 28, 2010 on account

of health reasons. Your Board accepted all the above

resignations. The Board places on record its appreciations for

the remarkable service and support rendered by the above

personalities as directors of the company.

11. ConserVAtion oF energy, teCHnology Absorption AnD Foreign exCHAnge eArnings & outgo - inForMAtion As per seCtion 217 (1) (e) oF tHe CoMpAnies ACt, 1956

The Company does not have any activity relating to

conservation of energy or technology absorption.

The Company holds AD Category II licence from the Reserve

Bank of India for its foreign exchange operations. Following

are the details of foreign exchange earnings and outgo during

the period covered by this report:

Foreign Exchange Earnings : Nil

Foreign Exchange Outgo : Nil

12. pArtiCulArs oF eMployees

Particulars of the employees covered by the provisions of

section 217 (2A) of the Companies Act, 1956, read with

Company’s (Particulars of Employees) Rules, 1975 is as under:

Statement Pursuant To Section 217 (2A) Of The Companies Act,

1956, read with Company’s (Particulars Of Employees)

Rules, 1975

Awarded ‘A1+’ rating by ICRA for its short term borrowings in enhancement of the earlier A1 rating. Further, CARE has assigned AA- rating for long term credit.



Directors’ ReportBoard and ManageMent reports

Name Designation Age Remuneration

Received

Date of Joining Experience in Years

Mr. V. P. Nandakumar Executive Chairman 57 30,000,000 July 15, 1992 31

Mr. I. Unnikrishnan Managing Director 47 9,600,000 October 01, 2006 21

Mr. B. N. Raveendra Babu Joint Managing Director 59 7,800,000 August 17, 2009 33

13. Directors’ responsibility statementAs required under Section 217 (2AA) of the Companies Act, 1956, the Board of Directors hereby declares that:

a) In the preparation of Annual Accounts for the financial year ended March 31, 2011, applicable Accounting Standards have been

followed along with proper explanation relating to material departures.

b) The Directors have selected such accounting policies and applied them consistently and made judgments and estimates that are

reasonable and prudent so as to give a true and fair view of the state of affairs of the Company at the end of the financial year

2010-11 and of the profit of the Company for that period.

c) The Directors have taken proper and sufficient care for the maintenance of adequate accounting records in accordance with

the provisions of Companies Act, 1956, for safeguarding the assets of the Company and for preventing and detecting fraud

and other irregularities.

d) The Directors have prepared the Annual Accounts for the year 2010-11 on a going concern basis.

14. auDitors The statutory Auditors M/s S.R. Batliboi & Associates, Chartered Accountants, Firm Registration Number- 101049W, TPL House, Second

Floor, 3, Cenotaph Road, Teynampet, Chennai - 600 018, retire at the ensuing Annual General Meeting of the Company and are eligible

for re-appointment.

15. report on corporate Governance Your Company has been practicing principles of good Corporate Governance over the years. The endeavor of the Company is not

only to comply with the regulatory requirements but also practice good Corporate Governance that lays strong emphasis on integrity,

transparency and overall accountability. A separate section on Corporate Governance along with a certificate from the Statutory Auditors

confirming compliance is annexed and forms part of this report.

16. manaGement Discussion anD analysisManagement Discussion and Analysis Report is attached and forms an integral part of the Report of the Board of Directors.

17. esop 2009 The company had launched an Employees Stock Option Scheme 2009 (ESOP 2009), under the SEBI (Employee Stock Option Scheme

and Employee Stock Purchase Scheme) Guidelines, 1999, as approved by the shareholders on 17.08.2009.

The ESOP 2009 provides for 1 million Stock Options of ` 10 each, out of which the Company has granted 8,29,500 Options to the

employees. The disclosures in terms of Clause 12 of the SEBI (Employee Stock Option Scheme and Employee Stock Purchase Scheme)

Guidelines, 1999 are set out in the Annexure to this Report. The number of options were adjusted in lines with the split of face value of

shares and bonus issue made by the company.

18. acknowleDGement Your Directors acknowledge the dedicated service rendered by the Employees of the Company at all levels. The Directors also

acknowledge the support and co-operation received especially from Shareholders, Investors, Customers and Well-wishers, Reserve Bank

of India, Government Departments, Investment Bankers, Rating Agencies, Banks and other Financial Institutions.

For and on behalf of the Board of Directors

Place: Valapad V. p. nandakumar

Date: April 28, 2011 Executive Chairman

33

sl no.

particulars Disclosures- esop 2009

a Options granted during the year 8,295,000

b Pricing Formula The exercise price will be decided by the Nomination, Compensation and Corporate

Governance Committee of the Board in accordance with the SEBI (Employee Stock

Option Scheme and Employee Stock Purchase Scheme) Guidelines, 1999 and any

amendments thereto

c Options Vested 50% of the above Options vested on August 16, 2010 and the balance would vest on

August 16, 2011

d Options Exercised 3,755,120

e Total no. of shares arising as a result of

exercise of Options

3,755,120

f Options Lapsed 445,000

g Variation in terms of Options The criterion for expiry of Exercise Period has been amended as ‘Not later than 4 years

from the date of vesting of Options for continuing Employees’ at the Extra-Ordinary

General Meeting held on April 22, 2010 and the number of Options have been

proportionately increased in view of the Subdivision and Bonus issue.

h Money realised by exercise of Options 12,43,69,574

i Total number of Options in force 4,094,880

j Employee wise details of Options

granted to:

(i) Senior Management Name No. of Options

Mr. I. Unnikrishnan 1,200,000

Mr. B. N. Raveendra Babu 1,000,000

Mr. P. Manomohanan 300,000

Dr. V. M. Manoharan 300,000

Mr. A. R. Sankaranarayanan 300,000

Adv. V. R. Ramachandran 300,000

Mr. M. Anandan 300,000

Mr. Shailesh J Mehta 300,000

(ii) Any other employee who

receives a grant in any one year

of Option amounting to 5 per

cent or more of Option granted

during that year

Nil

(iii) Employees who were granted

Option, during any one year,

equal to or exceeding 1 per cent

of the issued capital (excluding

warrants and conversions) of the

Company at the time of grant

Nil

Disclosures in terms of Clause 12 of the SEBI (Employee Stock Option Scheme and Employee Stock Purchase Scheme) Guidelines, 1999

Annexure to the Directors’ Report


Disclosures in terms of Clause 12 of the SEBI (Employee Stock Option Scheme and Employee Stock Purchase Scheme) Guidelines, 1999

k Diluted earnings per share pursuant to

issue of shares on exercise of Options

calculated in accordance with AS 20

‘earnings per share’

Dilutive EPS - ` 7.51

l Where the company has calculated the

employee compensation cost using

the intrinsic value of the Stock Options,

the difference between the employee

compensation cost so computed and

the employee compensation cost that

shall have been recognised if it had

used the fair value of the Options,

shall be disclosed. The impact of this

difference on profits and on EPS of the

company shall also be disclosed.

The difference between the employee compensation cost computed in accordance with

intrinsic value adopted by the Company and fair value is ` 52.12 million.

Had the Company adopted the fair value model, the net profit after tax would have

been ` 2,774.52 million as against the reported amount of ` 2,826.64.

The Basic EPS is ` 7.47

The Diluted EPS would have been ` 7.37 as against the reported figures of ` 7.51.

m Weighted-average exercise prices

and weighted-average fair values of

Options shall be disclosed separately

for Options whose exercise price either

equals or exceeds or is less than the

market price of the stock on the grant

date.

The exercise price is ` 33.12

n Description of method and significant

assumptions used to estimate the fair

value of Options

The fair value of options was estimated at the date of grant using the Black-Scholes

method with the following assumptions:

Particulars Vesting IAugust 16, 2010

50%

Vesting IIAugust 16, 2011

50%

Risk-free interest rate 6.15% 6.53%

Expected life 3 years 4 years

Expected volatility 67.11% 66.62%

Expected dividend yield 2.76% 2.76%

Share price on the date of

grant (face value of ` 10/-)

` 331.15 /- ` 331.15 /-

sl no.

particulars Disclosures- esop 2009



Directors’ ReportBoard and ManageMent reports35

1. economic outlook The year 2010-11 has been a year of accelerated recovery.

After a significant dip in FY 2008-09, followed by a recovery

that gained strength in the last fiscal year, the journey of the

Indian economy has been challenging but the outcome has

been encouraging. The year saw a GDP growth of 8.6%, and

the finance minister in his budget estimates has raised the bar

for the next year to a full 9%. The agriculture sector’s strong

rebound with a 5.4% growth came in handy though in the

next fiscal it may touch only 3%. Industry and services grew at

a healthy 8.1% and 9.6% respectively and during the current

year they are expected to further grow at 9.2% and 10.3%

respectively, presenting a fairly robust picture.

However, even as timely and aggressive policy responses by

the RBI and the Government aided the recovery in growth,

certain risks to the economy have also come to the fore

during the year.

risks that emerged in Fy 2010-11

Surge in domestic and international commodity prices

(especially petroleum)

High levels of current account deficit

Slowdown in the IIP numbers

Continuing uncertainty in the pace of recovery in the

advanced economies

Fiscal crisis in parts of the Eurozone

Volatility in the inflow of short term foreign funds, coupled

with slowdown in FDI inflows

Food inflation remained stubbornly high for much of the year

and now appears to have spilled over into the rest of the

economy. Consequently, WPI inflation for March 2011 stood

at 8.98% compared to RBI’s revised estimate of 8% and well

over the government’s comfort zone of about 5%. In order to

combat the persistently high inflation, RBI hiked policy rates

seven times during the year, with a cumulative increase of 175

basis points in short-term lending (repo) rate and 225 basis

points in short-term borrowing (reverse repo) rate.

On the positive side, a likely improvement in private domestic

demand conditions, a stronger recovery in the global economy

during the second half of the fiscal year (leading to strong

growth in exports) and moderation of inflation are all expected

to provide a much desired impetus to overall growth in the

coming year.

2. inDustry structure anD Developments During the global economic slowdown, the NBFC sector

encountered significant stresses in asset quality, liquidity and

funding costs. While all the NBFCs were affected, the impact

varied according to the structural features of each individual

entity. With the Indian economy recovering rapidly in the last

year, the demand side of NBFCs has improved and challenges

to asset quality have also reduced. The sector has become

more robust, thanks to the lessons learned from this crisis.

A strong banking and financial sector creates the necessary

environment to facilitate higher economic growth. Financial

intermediaries like NBFCs play a critical role in a developing

economy like ours, where financial inclusion remains a

distant goal. NBFCs generally focus on those areas where

banks are either uncompetitive or where they do not find the

returns worth their while. In doing so, they have consistently

demonstrated a superior ability to innovate and reach out to

unbanked areas.

Not surprisingly then, NBFCs in India are expected to flourish

in the medium to long term because they serve as a source

of finance to the infrastructure, SME, vehicle and housing

segments, sectors that are key to the country’s economic

growth in the coming years.

In line with the perceived importance of NBFCs, in March 2011,

the RBI set up a working group to examine issues pertaining

to regulation of the NBFCs, including their governance and

supervision. The Group, to be headed by former Deputy

Governor Usha Thorat, will focus on the definition and

classification of NBFCs, and address regulatory gaps and

regulatory arbitrage.

3. opportunities The core area of the Company’s activities i.e. gold loans offers

immense potential. The World Gold Council estimates that

privately held gold stock in India exceeds 18,000 tonnes.

The Company’s vision is to impart liquidity to at least 10% of

such privately held gold. Consistent with this vision, we have

relentlessly expanded our network of branches across the

country. The Company more than doubled its branch network,

expanding from 1005 branches as on March 31, 2010 to 2,064

branches as on March 31, 2011.

The Company has also taken initiatives to improve the quality

of its operations. Several initiatives were taken to align its

products with customer needs and preferences. The Company

is largely immune to problems of recovery and non-performing

Management Discussion and Analysis


assets (NPAs) as most of its lending is in the gold loan

segment. Commercial banks have been liberal in extending

financial assistance. However, in the second half of the year,

the overall tight liquidity conditions in the money market did

have a marginal impact in the form of higher borrowing costs.

4. threats The foray of commercial banks and other NBFCs into retail

and gold loans and the increased competition continues to

be a potential threat to the Company’s growth. Maintenance

of regulatory capital (CRAR) at 15% is another challenge with

potentially negative implications for asset growth. Moreover, In

February 2011, RBI came out with a clarification that advances

given by banks to NBFCs for loans extended to farmers

against gold jewellery will not be treated as priority sector

lending. This has led to a marginal increase in the cost of

loans, which the Company avails from banks.

Attrition levels in the industry continue to be high. With

the revival in the economy and particularly in the financial

services sector, retaining talented professionals is increasingly

becoming a challenge for the Company. To overcome the

hurdle, the Company has leveraged technology to offer better

customer service.

The continuing upward movement in the price of gold coming

on top of sharp increases over the last few years may also be

a potential threat in that it is possible—though not necessarily

likely-that there may be an equally sharp pull-back in the

coming years, thereby impacting the popularity of gold loans.

5. company overview Manappuram Finance Limited, with Assets Under

Management (AUM) of about ` 75,000 million, is one of

India’s leading non-banking finance companies. The Company

provides a range of services including gold loans, vehicle

finance, insurance, foreign exchange services, distribution of

Mutual Funds and other financial products. Over the years, the

Company has built a strong presence in the market through

its cumulative experience, a rapidly expanding network of

branches, and robust systems and processes. The Company’s

long-term aspiration is to emerge as a major player in the

business of meeting the financial requirements of retail

customers and Small and Medium Enterprises (SMEs).

During the fiscal year, international and domestic gold prices

continued to show a rising trend closing about 29% higher at

the year end. The stability in gold prices provided additional

impetus to the profitable operations of the Company. The

Company has constantly re-evaluated its strategies, in order

to capitalise on emerging opportunities through products and

services suited to the finer needs of customers.

Another noteworthy development during the year was the

Qualified Institutional Placement (QIP) by the Company in

November 2010 which succeeded in raising ` 10,000 million

by way of capital.

credit ratings received

CARE AA- (for NCDs)

Brickwork AA- (for NCDs)

ICRA LA+ (Working capital)

ICRA A1+* (CPs/STDs)

CRISIL P1+* (for CPs)

*highest ratings in the short term borrowing programme segment

6. risks anD concerns

The Company has put in place a mechanism to minimise

operational risks by way of effective control systems, a system

of constant review and an ongoing internal audit programme.

The risk management framework of the Company aims to

identify the diverse risks faced by the Company and evolve

appropriate mitigation strategies. The Internal Audit Team,

which reports directly to the Audit Committee of the Board,

undertakes comprehensive audit of functional areas and

operations at all branches of the Company. The Company is in

the process of implementing the recommendations of its audit

firm, KPMG, which was engaged to conduct a study of its risk

perspectives. Having successfully completed the migration of

its technological base to the Dotnet platform, the Company

has also set up an off-site surveillance system to make the

internal control system more risk-proof.

The management of credit risk, interest rate risk and liquidity

risk are critical components in the risk management system

of the Company. The Company has in place rigorous norms

for credit disbursal through the Lending Policy Framework

approved by the Board. The Company has developed an

asset-liability management model to measure and manage

interest rate and liquidity risks. Issues are discussed and

reviewed periodically at meetings of the Risk Management

Committee.




Management Discussionand Analysis Report

Credit risk is the possibility of loss due to the failure of any counterparty to abide by the terms and conditions of any financial contract with us.

Credit risk in Gold Loan business is relatively low because all our loans are generally over-collateralised by pledged gold. The Company aims to reduce credit risk through a rigorous loan approval and gold appraisal process, KYC compliance procedures and a strong non-performing asset (“NPA”) monitoring and recovery mechanism. This risk is diminished because the gold jewellery used as security for our loans can be readily liquidated, and the possibility of recovering less than the amount due to us is relatively low.

The Company also mitigates credit risk by not disbursing loans in excess of specified limits to the same customer, and for loan amounts exceeding a certain limit, it undertakes a credit check or profiling of the borrower before a loan is approved. Also, it has developed methods to peg the value of the loan amount to the moving average price of gold.

The Company decrease credit risk by focusing on the quality of the pledged gold. Our internal control system ensures independent verification of the gold by at least two officials at the branch level. The level of verification at the branch level increases as the loan value increases. In addition, the quality of gold is checked by the area head through random checks. The risk profile of each account is monitored by the risk management division on an ongoing basis through exception reports.

Operational risk is broadly defined as the risk of direct or indirect loss due to the failure of systems, people or processes, or due to external events.

We have instituted a series of checks and balances and audit reviews to address the various operational risks. Although we disburse loans in very short periods of time, we have clearly defined appraisal methods to mitigate appraisal risk. Inaccurate appraisal of the pledged gold may lead to funds being advanced against low value or spurious gold. This risk is also mitigated by our policies on internal control, generation of alert reports and additional requirements for high value loans.

We also have detailed guidelines on movement of cash or gold to address custodial risk, which is the risk associated with the safety and security of our gold inventory. Methods of internal control and vigilance mechanisms aid in controlling this risk. In addition, we are in the process of installing surveillance cameras across of all our branches, and security guards are present at night at all of our branches.

We also have policies that require employee rotation both within the branch, as well as within different branches located within the same area, and we undertake significant employee profiling and background verification checks before hiring. In addition, our insurance cover extends to employee theft or fraud and burglary.

Market risk arises from the decline in the value of the pledged gold due to fluctuation in gold prices.

This risk is in part mitigated by the 15% to 30% margin we build in to our rate per gram used to calculate the loan amount, as well as linking the LTV to the 90 day average price of gold, or the spot rate, whichever is lower. This risk is further reduced because we appraise the gold jewellery and fund loans based solely on the weight of gold content without considering design cost, production cost or value of gemstones. In addition, the sentimental value of the gold jewellery to the customers may induce repayment and redemption of the pledged gold even if the value of the pledged gold falls below the value of the repayment amount. A prompt and effective recovery mechanism also helps us deal with this risk.

Security of storage of pledged gold jewellery as part of our business entails the risk of theft and resulting loss to our reputation and business

The Company has a stringent security policies and procedures in place which ensure high degree of safety of the pledged gold. Moreover, we have insurance for the pledged gold which acts as a significant mitigation against any theft or burglary.

The major types of risk the Company faces in its businesses are:


8. Discussion on Financial perFormance Considering the growth in profits, the Board of Directors has

recommended a dividend of 30% (i.e., ` 0.60 per equity share

of ` 2 each) on the enhanced paid-up capital of the Company.

In the year under review, income from operations rose by

147%, from ` 4,769.57 million in 2009-10 to ` 11,787.53

million in 2010-11. The Company posted a consolidated net

profit of ` 2,826.6 million in 2010-11 as against ` 1,197.2

million in 2009-10, recording an increase of 136%. The

Company had also issued bonus shares during the year in the

ratio of 1:1.

9. human resources anD inFrastructure Developments

The Company’s dynamic performance depends greatly on

developing and maintaining an organisational structure and

human resources capable of keeping pace with the changing

business environment and ensuring staff continuity. During

the year, the Company has taken a number of initiatives

to strengthen human resources and to improve several

HR practices within the organisation. Also during the year,

the Company further strengthened its IT infrastructure and

systems to support its operations. Connectivity to branches

was upgraded so as to provide improved information flow to

branches and to further support the collection system.

10. cautionary statement Statements in this report pertaining to the Company’s

objectives, projections, estimates, exceptions, and predictions

are forward looking statements subject to the applicable laws

and regulations. These statements may be subject to certain

risks and uncertainties. The Company’s operations are affected

by many external and internal factors which are beyond the

control of the management. Therefore, the actual position may

differ from those expressed or implied. The Company assumes

no obligation to amend or update forward looking statements

in future on the basis of new information, subsequent

developments or otherwise.

On behalf of the Board

V. p. nandakumar

Place: Valapad Sd/-







company’s philosophy on corporate Governance

The Corporate Governance standards of the Company place strong emphasis on transparency, accountability and integrity in all business

activities of the Company. The objective is not merely compliance, but to uphold transparency and integrity in all its operations, thereby

optimising shareholder value. The Company believes that its business plans and strategies should be consistent with the above objective

leading to sustained corporate growth and long-term benefit to all. The Company follows this principle meticulously in all its business dealings

and decisions.

While all mandatory requirements of corporate governance as detailed in Clause 49 of the listing agreement have been complied with by the

company, some of the non mandatory requirements have also been complied with, details of which are given in the following paragraphs.

boarD oF Directors

There are twelve members on the board of Manappuram having varied nature of experience and expertise in their respective areas.

The composition of the Board meets the criteria prescribed in Clause 49 of the listing agreement. The composition also fulfils the norms

issued by Reserve Bank of India in this regard. Out of the twelve directors, three are executive directors, two are nominee directors and seven

are independent directors.

During the financial year 2010-11, the Board met on 10 occasions viz 22.04.2010, 11.05.2010, 20.07.2010, 24.07.2010, 24.08.2010, 04.10.2010,

15.10.2010, 24.01.2011, 25.02.2011 and 31.03.2011. The details of participation in meetings and other relevant information are given in the

following statement:-

Name & Status of Director No. of

Meetings

No. of

Meetings

attended

Whether

attended

last AGM

Sub-Committee

Membership@

Share holding of

non executive

Directors

Directorships in

other public Ltd

Companies

1 Mr. V. P. Nandakumar

Chief Promoter &

Executive Chairman

10 10 Yes Nomination,

Compensation

& Corp.

Governance

committee

- 5

2 Mr. I. Unnikrishnan

Managing Director

10 9 Yes Nil - 1

3 Mr. B. N. Raveendra Babu

Jt. Managing Director

10 9 Yes Nil - 1

4 Adv. V. R. Ramachandran

Independent & Non Executive

Director

10 10 Yes Grievance

Committee

460000 -

5 Mr. A. R. Sankaranarayanan

Independent & Non

Executive Director

10 10 Yes Audit,

Nomination,

compensation

& Corp.

Governance

Committee

1089500 -

6 Mr. P. Manomohanan


Director

10 9 Yes Audit &

Grievance

Committee

740000 1

Name & Status of Director No. of

Meetings

No. of

Meetings

attended

Whether

attended

last AGM

Sub-Committee

Membership@

Share holding of

non executive

Directors

Directorships in

other public Ltd

Companies

7 Dr. V. M. Manoharan


Director

10 10 Yes Grievance

Committee

697555 1

8 Mr. M. Anandan

Independent & Non

Executive Director

10 9 Yes -do- 435000 7

9 Mr. Shailesh J Mehta

Independent & Non

Executive Director

10 5 Yes -do- 170000 4

10 Mr. Jagdish Capoor*

Independent & Non

Executive Director

10 4 No Nomination,

compensation

& Corp.

Governance

Committee

1000 3

11 Mr. Gautam Saigal

Nominee and Non

Executive Director

10 8 Yes Audit&

Nomination,

Compensation

& Corp

Governance

Committee

- 1

12 Mr. Gaurav Mathur* *

Nominee and Non

Executive Director

10 2 No Nil - 2

@ Membership of Audit Committee, Nomination Compensation and Corporate Governance Committee and Shareholders Grievance

Committee only are shown.

* Mr. Jagdish Capoor was appointed as an additional director of the company with effect from July 20, 2010.

** Mr. Gaurav Mathur was appointed as nominee director of M/s Hudson Equity Holdings Limited with effect from October 15, 2010.



Directors’ Report41 Board and ManageMent reports


changes in the board of Directors during the year 2010-11

Following table shows the changes among the Board members of the company during the period from April 01, 2010 to March 31, 2011

Name of Director Description of Change Remarks

Mr. Ashvin C Chadha Resignation from the directorship Mr. Ashvin C Chadha was the nominee of

M/s Hudson Equity Holdings. He resigned from the

directorship of the company with effect from October

15, 2010 consequent on his resignation from the

nominating company. He attended four board

meetings out of the seven meetings held during his

tenure.

Mr. K. P. Balaraj Resignation and appointment He resigned with effect from May 11, 2010 as the

nominating company had sold their entire stake

in the company. He was again appointed as

an additional director with effect from the same

date and finally he resigned on July 24, 2010. He

attended all the four board meetings held during his

tenure.

Mr. T. V. Antony Appointment and Resignation He was appointed as an additional director with

effect from May 11, 2010. He resigned from the

directorship of the company with effect from August

24, 2010 on account of health reasons. He attended

three board meetings out of the four meetings held

during his tenure.

committees oF the boarD

a. audit committee

As required under Section 292(A) of the Companies Act 1956, the company has constituted a qualified and independent Audit Committee

under the chairmanship of an Independent director. The Committee also fulfils the guidelines issued by the Reserve Bank of India in this

regard.

Audit Committee was reconstituted with effect from July 20, 2010 with an independent chairman and five members. All members of the

Committee are financially literate and majority are independent. The Company Secretary acts as the Secretary of the Audit Committee. The

terms of reference of the Committee shall be the same as mentioned in the Listing Agreement, and are given below:

terMs of reference:

1) Oversee the Company’s financial reporting process and the disclosure of its financial information to ensure that the financial

statement is correct, sufficient and credible.

2) Recommending to the Board the appointment, reappointment, and if required, the replacement or removal of the statutory auditor

and the fixation of audit fee.

3) Approval of payment to statutory auditors for any other services rendered by the statutory auditors.

4) Reviewing with management the annual financial statements before submission to the Board for approval with particular

reference to:

a) Matters required to be included in the Directors Responsibility Statement to be included in the boards report in terms of

clause 2AA of section 217 of the Companies Act 1956.

b) Changes if any in accounting policies and practices and reasons for the same.


c) Major accounting entries involving estimates based on the exercise of judgment by management.

d) Significant adjustment made in the financial statement arising out of audit findings.

e) Compliance with listing and other legal requirements relating to the financial statements.

f) Disclosure of any related party transactions.

g) Qualifications in the draft audit report.

5) Reviewing with the management the quarterly financial statements before submission to the board for approval.

6) Reviewing with the management performance of the statutory and internal auditors and adequacy of the internal control system.

7) Reviewing the adequacy of internal audit function if any including the structure of internal audit department, staffing and seniority

of the official heading the department, reporting structure coverage and frequency of internal audit.

8) Discussion with internal auditors regarding any significant findings and follow-up thereon.

9) Reviewing the findings of any internal investigations by the internal auditors into matters where there is suspected fraud or

irregularity or a failure of internal control systems of a material nature and reporting the matter to the board.

10) Discussion with statutory auditors before audit commences about the nature and scope of audit as well as post-audit discussions

to ascertain any area of concern.

11) To look into the reasons for substantial defaults in the payments to the depositors, debenture-holders, shareholders (in case of

non-payment of declared dividends) and creditors.

12) To review the function of whistle blower mechanism in case the same exists.

13) Carrying out any other function as mentioned in the terms of reference of audit committee.

Audit committee met four times during the financial year 2010-11 viz 10.05.2010, 19.07.2010, 14.10.2010 and 24.01.2011. The

constitution, record of attendance of meetings, and other details about the Audit Committee of the Company are given below:

Name of the Member Position Status No. of

meetings

attended

1 Mr. M. Anandan Chairman Independent and Non Executive 4

2 Mr. P. Manomohanan Member Independent and Non Executive 4

3 Mr. A. R. Sankaranarayanan Member Independent and Non Executive 4

4 Mr. Shailesh J Mehta Member Independent and Non Executive 4

5 Mr. Gautam Saigal Member Nominee and Non Executive 3

Changes in Audit Committee during the year.

Name of Committee member Description of change Remarks

Mr. Ashvin C Chadha Resignation from the Audit Committee. Mr. Ashvin C Chadha who was

the nominee of M/s Hudson

Equity Holdings, resigned from

his nominating company and his

membership in the Committee was

also terminated on account of his

resignation.

The Audit Committee regularly invites such executives as it considers appropriate including the head of Finance and the head of

Internal Audit along with a representative of the statutory auditors to be present at the meetings of the Committee.





b. nomination, compensation & corporate Governance committee

The Nomination, Compensation and Corporate Governance Committee of the company was constituted to oversee the compliance with

the requirements of the Reserve Bank of India’s Circular No.DNBS/PD/CC 94/03.10.042/2006-07 dated May 08, 2007 to ensure that only

capable professionals are appointed as directors. The Committee also meets the requirement of clause 49 of the Listing Agreement.

The main role of the Committee is to determine on behalf of the Board and on behalf of the shareholders, the Company’s policies on

specific remuneration packages for Executive Directors, including pension rights and any compensation payments.

The Committee is chaired by a Non-executive Director with other members as mentioned below:

1. Mr. A. R. Sanakaranarayanan Chairman [Non-Executive]

2. Mr. V. P. Nandakumar Member [Executive]

3. Mr. Shailesh J Mehta Member [Non Executive]

4. Mr. M. Anandan Member [Non Executive]

5. Mr. Jagdish C Capoor Member [Non Executive]

6. Mr. Gautam Saigal Member [Nominee]

Details of meetings held and resolutions passed by circulation by the Committee during the financial year 2010-11 are given in the

following table:-

Dates of Meeting Item discussed Remarks

May 11, 2010 Appointment of Mr. T. V. Antony Mr. T. V. Antony was appointed as an additional

director of the company w.e.f May 11, 2010.

Managerial remuneration

Variation of the terms of appointment including

remuneration of the executive directors of the

Company.

July 19, 2010 Appointment of Mr. Jagdish Capoor

Mr. Jagdish Capoor was appointed as an

additional director of the company w.e.f

July 20, 2010.

September 28, 2010 Allotment of sharesAllotment of 34,71000 shares under the ESOP

2009 of the company (passed by circulation).

March 19, 2011 Allotment of sharesAllotment of 2,84,120 shares under the ESOP

2009 of the company (passed by circulation).

Details of Remuneration paid to Directors during the financial year 2010-11*.

Name of Director Sitting fees Salaries and other

allowances

Commission Total

Board Meeting

Committee Meetings

1 Mr. V. P. Nandakumar - - 18,000,000 12,000,000 30,000,0002 Mr. I. Unnikrishnan - - 6,000,000 3,600,000 9,600,0003 Mr. B. N. Raveendra Babu - - 4,800,000 3,000,000 7,800,0004 Adv. V. R. Ramachandran 190,000 - - 400,000 590,0005 Mr. A. R. Sankaranarayanan 190,000 70,000 - 400,000 660,0006 Mr. P. Manomohanan 170,000 55,000 - 400,000 625,0007 Dr. V. M. Manoharan 190,000 - - 400,000 590,0008 Mr. M. Anandan 170,000 55,000 - 400,000 625,0009 Mr. Shailesh J Mehta 95,000 70,000 - 400,000 565,00010 Mr. Jagdish Capoor 80,000 - - 245,388 325,388

*Only those who are presently on the Board


criteria for remunerating non-executive directors.

Decisions relating to the remuneration of Directors are taken by the Board of Directors of the Company subject to the approval by

the shareholders. Independent/Non-Executive directors were paid sitting fees of ` 20,000 for Board meeting and ` 15,000 for Audit

Committee meeting. Sitting fee paid for other Committees is ` 7,500. On the recommendation of the Nomination, Compensation and

Corporate Governance Committee, the Board determines the amount to be paid as commission to executive and non executive directors

(as per the approval given by the members at the annual general meeting held on August 17, 2009). The amount of commission

payable is based on their contribution to the growth and development of the Company.

c) shareholders’ Grievance committee

The Company has constituted a Shareholders’ Grievance Committee to monitor investor complaints/grievances pertaining to non-receipt

of share certificate, dividend, Annual Report etc. The Committee shoulders the responsibility for expeditious settlement of investor

complaints and grievances and reporting the same to the Board periodically.

The Constitution of the Shareholders Grievance Committee are given below:-

Adv. V. R. Ramachandran Chairman

Mr. P. Manomohanan Member

Dr. V. M. Manoharan Member

Other relevant details are given below:-

Name and designation of compliance officer Mr. C. Radhakrishnan. (Company Secretary)

All complaints of non receipt of dividend, share certificate etc received during the period were settled and there were no outstanding

investor complaints as on this date.

d) other committees

i) risk Management committee

The Company has constituted a Risk Management Committee to review, on an ongoing basis, the measures adopted by the

Company for the identification, measurement, monitoring and mitigation of the risks involved in various areas of the Company’s

functioning. The Committee is chaired by an independent director with three other directors as members.

The Committee deliberates on the various aspects of risk related to its business. Such risks may include appraisal risk, custodial

risk, competition risk, price fluctuation risk etc in the case of gold loans. In relation to its vehicle loan segment, these would

include sourcing risk, borrower risk, product risk, interest rate risk, market risk, asset liability management risk etc.

ii) Business planning development and Monitoring committee

The Committee was constituted to formulate and review business plans and to analyse the expenses incurred by the Company as

a measure to control cost. The Committee is headed by the Chairman of the Company with participation by three other members.

It deliberates on matters like formulation and review of business plans, budgeting, review of capital and revenue expenditure,

business promotion activities and review of profitability.





General boDy meetinGs

Details of the last three Annual General Meetings of the Company are given below:

Year Date Time and Place Details of special resolutions passed

2010 July 20 10.30 am

Anugraha Auditorium, Valapad,

Thrissur

1. Appointment of Mr. B. N. Raveendra Babu as a

Director and Joint Managing Director of the Company

2. Variation of the terms of appointment of Executive

Directors.

3. Appointment of Mr. K. P. Balaraj and Mr. T.V.Antony as

Directors of the Company.

2009 August 17 10.30 am

Anugraha Auditorium, Valapad,

Thrissur

1. Appointment of Mrs. Jyothy Prasannan to hold office

or place of profit

2. Variation in the terms of appointment of Mr. Sooraj

Nandan, Vice President.

3. Variation in the terms of appointment and

remuneration of Executive Chairman.

4. Revision in the remuneration of Managing Director of

the company

5. Amending Articles of Association of the Company

6. Approval of ESOP 2009 of the company.

2008 September 25 10.30 am Anugraha Auditorium,

Valapad, Thrissur

1. Accepting investment by FII more than 24%

2. Amending the capital clause of Memorandum and

Articles of Association of the company

3. Preferential issue of convertible preference shares

4. Issue of warrants to promoters.

Details of Extra Ordinary General Meetings held during the period are given below:

Year Date Time and Place Details of special resolutions passed

2010 April 22 10.30 am

Anugraha Auditorium

Valapad, Thrissur

1 To split the face value of equity shares from

` 10 to ` 2 each

2 To make a Bonus issue in the ratio 1:1

3. To amend the memorandum and articles of

association of the company

4. To amend the ESOP 2009 of the company

2010 August 24 10.30 am

Anugraha Auditorium

Valapad, Thrissur

Issue of 13210039 equity shares to the promoters

on preferential basis.

2010 October 29 10.30 am

Anugraha Auditorium

Valapad, Thrissur

Issue of equity shares to Qualified Institutional

Buyers on preferential basis.


During the period under review, the company had passed the following resolutions by postal ballot under the provisions of Companies (Passing of Resolutions by Postal Ballot) Rules 2001.

1. Ordinary Resolution under section 293 (1) (a) to sell, lease or otherwise dispose of the whole or substantially whole of the undertaking of the company.

2. To amend the objects clause of the Memorandum of Association of the Company.

3. To change the name of the company.

Disclosures

There were no materially significant related party transactions having potential conflict with the interests of the Company at large. Transactions

with related parties are disclosed in Schedule 18 (notes forming part of accounts ) in the Annual Report. The Company has complied with all

the directives issued by stock exchanges and other statutory authorities. No penalties and strictures were imposed on the Company by any

of the regulatory authorities, viz; the Stock Exchange, SEBI, Reserve Bank of India, Registrar of Companies, for non-compliance with any laws,

guidelines and directives during the year. The company had changed its status from Category A- Deposit taking NBFC to Category B- Non

Deposit taking NBFC with effect from March 22, 2011.

means oF communication

The Company publishes the un-audited / audited financial results on quarterly basis as required under clause 41 of the Listing Agreement.

The financial results in the prescribed format are published in leading newspapers including Economic Times, Business Line, Business

Standard, Malayala Manorama, Mathrubhumi etc. Other major announcements pertaining to Book Closure, Board Meetings etc. are also

published as above. The Company has its web site at www.manappuram.com wherein all relevant details about the Company and its

performance are given. The financial results of the Company are regularly posted on the web site.

coDe oF conDuct

As required under Clause 49 of the Listing Agreement, the Company had framed a Code of Conduct for the directors and senior management

personnel and the same was posted on the website of the Company. The company has also put in place a Code on Prevention of Insider

Trading under the applicable Regulations. As required by clause 49 (1) (d) of Listing Agreement, it is hereby affirmed that all the Board

members and senior management personnel have complied with Code of Conduct of the Company.

Fair practices coDe

The company has framed a Fair Practices Code as per the guidelines issued by Reserve Bank of India in this regard. The code is posted on

the web site of the company.

ceo/cFo certiFication

The requisite certification made by CEO/CFO as per the format given in Clause 49 of the listing agreement was placed before the Board held

on April 28, 2011.

General shareholDer inFormation

Annual General Meeting Date August 18, 2011

Time 10.30 am

Place Anugraha Auditorium, Valapad PO-680 567 Thrissur District

Financial Year 2010-2011

Date of Book closure August 12, 2011 to August 18, 2011 (both days inclusive)

Dividend Payment Date From September 03, 2011

Listing on Stock Exchanges Mumbai, Chennai and Cochin. (Permitted security in National Stock Exchange)

Stock Code 531213- ISIN INE 522 D 01027

Registrar and Share Transfer Agents M/s SKDC Consultants Limited KANAPATHY TOWERS 3rd Floor, 1391/A-1, SATHY ROAD Ganapathy PO, Coimbatore - 641 006 Ph 0422 6549995

Compliance Officer C.Radhakrishnan : Company Secretary

Company Address Manappuram Finance Limited, V/104 Manappuram House, Valapad PO, Thrissur - 680 567 Kerala Phone: 0487- 2391306, 2399303. Fax 0487- 2399298 Email: [email protected] Website: www.manappuram.com




share price movements oF the company [bse] DurinG each month oF the Financial year 2010-11

Month Open

Price

High

Price

Low Price Close Price No. of Shares No. of Trades Total

Turnover (`)

Apr 10 750.95 839.90 700.00 801.70 49,41,445 22,900 3,699,790,293

May 10 82.40 85.00 68.00 69.20 24,71,525 13,241 190,187,330

Jun 10 69.80 75.90 66.50 72.25 22,37,165 10,060 157,849,628

Jul 10 73.90 97.80 69.45 97.05 50,53,352 25,626 420,613,598

Aug 10 99.00 126.90 98.00 116.40 1,12,15,095 67,740 1,313,908,406

Sep 10 117.05 150.00 116.65 145.75 99,04,903 55,496 1,386,189,746

Oct 10 153.90 166.35 130.15 147.75 93,03,469 74,320 1,402,091,029

Nov 10 149.95 189.90 135.25 139.60 76,71,904 73,704 1,288,239,958

Dec 10 140.00 168.45 110.00 149.65 54,58,815 61,091 796,080,116

Jan 11 151.00 154.80 112.50 115.90 41,33,008 49,893 549,572,434

Feb 11 116.90 134.35 87.75 123.40 1,19,30,792 84,647 1,362,648,149

Mar 11 124.50 133.45 111.45 132.40 34,15,594 29,808 416,213,098

distribution of shareholding as on March 31, 2011

Share or Debenture holding of nominal value of Share/Debenture holders Share/Debenture amount

` Number % to Total % to Total % to Total

Upto - 5,000 24753 91.28 14450026 1.73

5,001 - 10,000 711 2.62 5476582 0.66

10,001 - 20,000 794 2.93 13541546 1.63

20,001 - 30,000 194 0.72 4858374 0.58

30,001 - 40,000 210 0.77 7987528 0.96

40,001 - 50,000 64 0.24 2915170 0.35

50,001 - 1,00,000 167 0.62 12050928 1.45

1,00,001 and above 225 0.83 771899982 92.65

totaL 27118 100.00 833180136 100.00


Dematerialisation oF shares

The Company is a member of the depository services of the National Security Depository Limited (NSDL) and Central Depository Services (India)

Limited (CDSL) for dematerialisation of its shares. Shareholders can get their shares dematerialised with either NSDL or CDSL. The (ISIN) allotted

to the Company is: INE 522 D01027. Total shares dematerialised as on March 31, 2011 is 98.26%.

payment oF unpaiD/ unclaimeD DiviDenD

The Company has remitted all unclaimed and unpaid dividends up to the financial year 2002-03 to the Investor Education and Protection

Fund of the Central Government. Dividends relating to the subsequent financial years would be transferred to the said account on the expiry

of seven years after transfer of the same to the unpaid dividend account.

common aGency For physical anD electronic transFer

Share transfers, dividend payment and all other investor related activities are attended to and processed at the office of the Registrars and

Transfer Agent, as detailed above.

On behalf of the Board

V. p. nandakumar

Place: Valapad Sd/-





Annual Report 2010-11

(All amounts are in million of Indian rupees unless otherwise stated)

50

Ceo & Cfo Certification Under Clause 49(V) of The Listing Agreement

To

The Board of Directors

Manappuram General Finance and Leasing Limited

We, V. P. Nandakumar, Chairman, and Bindu A. L., Chief financial officer, of Manappuram General finance and Leasing Limited, (“the Company”)

hereby certify that:-

(a) We have reviewed financial statements and the cash flow statement of the company for the year ended March 31, 2011 and that to the

best of our knowledge and belief:

(i) these statements do not contain any materially untrue statement or omit any material fact or contain statements that might be

misleading;

(ii) these statements together present a true and fair view of the company’s affairs and are in compliance with existing accounting

standards, applicable laws and regulations.

(b) There are, to the best of our knowledge and belief, no transactions entered into by the Company during the year which are fraudulent,

illegal or violative of the Company’s code of conduct.

(c) We accept responsibility for establishing and maintaining internal controls for financial reporting and that we have evaluated the

effectiveness of internal control systems of the company pertaining to financial reporting and we have disclosed to the auditors and the

Audit Committee, deficiencies in the design or operation of such internal controls, if any, of which we are aware and the steps we have

taken or propose to take to rectify these deficiencies.

(d) We have indicated to the auditors and the audit committee

(i) significant changes in internal control over financial reporting during the year;

(ii) significant changes in accounting policies during the year and that the same have been disclosed in the notes to the financial

statements; and

(iii) instances of significant fraud of which we have become aware and the involvement therein, if any, of the management or an

employee having a significant role in the company’s internal control system over financial reporting.

Place: Valapad V. P. Nandakumar Bindu A. L.

Date: April 28, 2011 executive Chairman Chief financial officer


51

Auditors’ Certificate

To

The Members


We have examined the compliance of conditions of corporate governance by Manappuram General finance and Leasing Limited, for the year

ended on March 31, 2011, as stipulated in clause 49 of the Listing Agreement of the said Company with stock exchanges.

The compliance of conditions of corporate governance is the responsibility of the management. our examination was limited to procedures

and implementation thereof, adopted by the Company for ensuring the compliance of the conditions of the Corporate Governance. It is neither

an audit nor an expression of opinion on the financial statements of the Company.

In our opinion and to the best of our information and according to the explanations given to us, we certify that the Company has complied

with the conditions of Corporate Governance as stipulated in the above mentioned Listing Agreement.

We further state that such compliance is neither an assurance as to the future viability of the Company nor the efficiency or effectiveness with which

the management has conducted the affairs of the Company.

For S.R. BATLIBOI & ASSOCIATES

firm registration number: 101049W

Chartered Accountants

per S. Balasubrahmanyam

Place: Chennai Partner

Date: April 27, 2011 Membership No.: 053315

Balance Sheet Schedules

Cash flow Statement

Profit and Loss Account

Auditors’ Report

Balance Sheet Abstract

Branch NetworkFINANCIAL STATEMENTS



52

To

The Members


1. We have audited the attached Balance Sheet of Manappuram

General finance and Leasing Limited (‘the Company’) as at

March 31, 2011 and also the Profit and Loss account and the

cash flow statement for the year ended on that date annexed

thereto. These financial statements are the responsibility of the

Company’s management. our responsibility is to express an

opinion on these financial statements based on our audit.

2. We conducted our audit in accordance with auditing

standards generally accepted in India. Those Standards require

that we plan and perform the audit to obtain reasonable

assurance about whether the financial statements are free

of material misstatement. An audit includes examining, on a

test basis, evidence supporting the amounts and disclosures

in the financial statements. An audit also includes assessing

the accounting principles used and significant estimates made

by management, as well as evaluating the overall financial

statement presentation. We believe that our audit provides a

reasonable basis for our opinion.

3. As required by the Companies (Auditor’s Report) order, 2003

(as amended) issued by the Central Government of India in

terms of sub-section (4A) of Section 227 of the Companies

Act, 1956, we enclose in the Annexure a statement on the

matters specified in paragraphs 4 and 5 of the said order.

4. further to our comments in the Annexure referred to above,

we report that:

i. We have obtained all the information and explanations,

which to the best of our knowledge and belief were

necessary for the purposes of our audit;

ii. In our opinion, proper books of account as required by

law have been kept by the Company so far as appears

from our examination of those books;

iii. The balance sheet, profit and loss account and

cash flow statement dealt with by this report are in

agreement with the books of account;

iv. In our opinion, the balance sheet, profit and loss

account and cash flow statement dealt with by this

report comply with the accounting standards referred to

in sub-section (3C) of section 211 of the Companies Act,

1956;

v. on the basis of the written representations received

from the directors, as on March 31, 2011, and taken on

record by the Board of Directors, we report that none of

the directors is disqualified as on March 31, 2011 from

being appointed as a director in terms of clause (g) of

sub-section (1) of section 274 of the Companies Act,

1956;

vi. In our opinion and to the best of our information

and according to the explanations given to us, the

said accounts give the information required by the

Companies Act, 1956, in the manner so required

and give a true and fair view in conformity with the

accounting principles generally accepted in India;

a) in the case of the balance sheet, of the state of

affairs of the Company as at March 31, 2011;

b) in the case of the profit and loss account, of the

profit for the year ended on that date; and

c) in the case of cash flow statement, of the cash

flows for the year ended on that date.

For S. R. BATLIBOI & ASSOCIATES






Auditors’ Report


53

Annexure referred to in paragraph 3 of our report of even date

Re: Manappuram General finance and Leasing Limited (‘the Company’)

(i) (a) The Company has maintained proper records showing full particulars, including quantitative details and situation of fixed assets.

(b) All fixed assets have not been physically verified by the management during the year but there is a regular programme of verification which, in our opinion, is reasonable having regard to the size of the Company and the nature of its assets. No material discrepancies were noticed on such verification.

(c) There was no disposal of a substantial part of fixed assets during the year.

(ii) The Company is a non banking finance company engaged in the business of providing loans and does not maintain any inventory. Therefore, the provisions of clause 4(ii) of the Companies (Auditor’s Report) order, 2003 (as amended) are not applicable to the Company.

(iii) (a) As informed, the Company has not granted any loans, secured or unsecured to companies, firms or other parties covered in the register maintained under section 301 of the Companies Act, 1956 (‘the Act’). Therefore, the provisions of clause 4(iii) (a) of the Companies (Auditor’s Report) order, 2003 (as amended) is not applicable to the Company.

(b) The provisions of clause 4(iii) (b) of the Companies (Auditor’s Report) order, 2003 (as amended) is not applicable to the Company.

(c) The provisions of clause 4(iii) (c) of the Companies (Auditor’s Report) order, 2003 (as amended) is not applicable to the Company.

(d) The provisions of clause 4(iii) (d) of the Companies (Auditor’s Report) order, 2003 (as amended) is not applicable to the Company.

(e) The Company had taken loan from a Company covered in the register maintained under section 301 of the Companies Act, 1956. The maximum amount involved during the year was ` 3.56 million and the year-end balance of loan taken from such party was ` 1.64 million

(f) In our opinion and according to the information and explanations given to us, the rate of interest and other terms and conditions for such loans are not prima facie prejudicial to the interest of the Company.

(g) In respect of loans taken, repayment of the principal amount was as stipulated and payment of interest was regular.

(iv) In our opinion and according to the information and explanations given to us, there is an adequate internal control system commensurate with the size of the Company and the nature of its business, for the purchase of fixed assets and

sale of services. The activities of the Company during the year did not involve any purchase and sale of goods. During the course of our audit, no major weakness has been noticed in the internal control system in respect of these areas. During the course of our audit, we have not observed any continuing failure to correct major weakness in internal control system of the Company.

(v) (a) According to the information and explanations provided by the management, we are of the opinion that the particulars of contracts or arrangements referred to in section 301 of the Act that need to be entered into the register maintained under section 301 have been so entered.

(b) In respect of transactions made in pursuance of such contracts or arrangements exceeding value of Rupees five lakhs entered into during the financial year, because of the unique and specialised nature of the items involved and absence of any comparable prices, we are unable to comment whether the transactions were made at prevailing market prices at the relevant time.

(vi) In respect of deposits accepted, in our opinion and according to the information and explanations given to us, directives issued by the Reserve Bank of India and the provisions of sections 58A, 58AA or any other relevant provisions of the Companies Act, 1956 and the rules framed thereunder, to the extent applicable, have been complied with. We are informed by the management that no order has been passed by the Company Law Board, National Company Law Tribunal or Reserve Bank of India or any Court or any other Tribunal.

(vii) In our opinion, the Company has an internal audit system commensurate with the size and nature of its business.

(viii) To the best of our knowledge and as explained, the Central Government has not prescribed maintenance of cost records under clause (d) of sub-section (1) of section 209 of the Companies Act, 1956 for the products of the Company.

(ix) (a) The Company is regular in depositing with appropriate authorities undisputed statutory dues including provident fund, employees’ state insurance, investor education and protection fund, income-tax, sales-tax, service tax, cess and other material statutory dues applicable to it. Dues in respect of wealth-tax, customs duty and excise duty are not applicable to the Company.

further, since the Central Government has till date not prescribed the amount of cess payable under section 441 A of the Companies Act, 1956, we are not in a position to comment upon the regularity or otherwise of the Company in depositing the same.

(b) According to the information and explanations given to us, no undisputed amounts payable in respect of provident fund, employees’ state insurance, investor education and protection fund, income-tax, service tax, sales-tax and other material undisputed statutory dues were outstanding, at the year end, for a period of more than six months from the date they became payable.


Cash flow Statement


Auditors’ Report





54

(Amount in million)

Name of the Statute Nature of dues Period of dispute Amount Forum where it is pending

Income Tax Act 1961 Income tax 2005-2006 0.35 Income tax appellate tribunal

finance Act, 1944 Service tax 2001-2008 5.00 (including penalty of 2.5) Commissioner of Service tax

(Appeals)

(x) The Company has no accumulated losses at the end of

the financial year and it has not incurred cash losses in the

current and immediately preceding financial year.

(xi) Based on our audit procedures and as per the information

and explanations given by the management, we are of the

opinion that the Company has not defaulted in repayment of

dues to banks, financial institutions or debenture holders.

(xii) Based on our examination of documents and records,

we are of the opinion that the Company has maintained

adequate records where the Company has granted loans and

advances on the basis of security by way of pledge of shares,

debentures and other securities.

(xiii) In our opinion, the Company is not a chit fund or a nidhi /

mutual benefit fund / society. Therefore, the provisions of

clause 4(xiii) of the Companies (Auditor’s Report) order, 2003

(as amended) are not applicable to the Company.

(xiv) In our opinion, the Company is not dealing in or trading

in shares, securities, debentures and other investments.

Accordingly, the provisions of clause 4(xiv) of the Companies

(Auditor’s Report) order, 2003 (as amended) are not applicable

to the Company.

(xv) According to the information and explanations given to us,

the Company has not given any guarantee for loans taken by

others from bank or financial institutions.

(xvi) The Company did not have any term loans outstanding during

the year.

(xvii) According to the information and explanations given to us

and on an overall examination of the balance sheet of the

Company, we report that no funds raised on short-term basis

have been used for long-term investment.

(xviii) The Company has made preferential allotment of shares to

parties and companies covered in the register maintained

under section 301 of the Act. In our opinion, the prices at

which the shares have been allotted are not prejudicial to the

interest of the Company.

(xix) According to the information and explanations given to us,

during the period covered by our audit report, the Company

has created security or charge in respect of debentures

issued other than on debentures aggregating ` 1,188 million

which had been issued recently. We are informed by the

management that the Company is taking steps to create

security for the debentures issued.

(xx) The Company has not raised any money by public issues

and accordingly, provisions of clause 4(xx) of the Companies

(Auditor’s Report) order, 2003 (as amended) are not applicable

to the Company. The Company has made private placement

of its equity shares to certain Qualified Institutional Buyers

(“QIB”) which in our opinion and based on information and

explanations given by management does not constitute a

public issue.

(xxi) As more fully discussed in Note 17 of Schedule 18 to the

financial statements and as informed by the management,

we report that, during the year there have been certain

instances of fraud on the Company by employees where

gold loan related misappropriations / cash embezzlements

have occurred for amounts aggregating ` 24.87 million. The

Company has fully provided for these amounts in the financial

statements and is in the process of recovering these amounts

from the employees and taking appropriate legal actions.

Based upon the audit procedures performed for the purpose

of reporting the true and fair view of the financial statements

and as per the information and explanations given by the

management, we report that there are no other instance

of fraud on or by the Company that have been noticed or

reported during the course of our audit, other than those

described above.

For S. R. BATLIBOI & ASSOCIATES






(c) According to the records of the Company, there are no dues outstanding of sales-tax on account of any dispute. The dues

outstanding of income tax and service tax on account of a dispute are as follows:

Auditors’ Report (Contd.)


55

To

The Board of Directors of

Manappuram Finance Limited (formerly Manappuram General

Finance and Leasing Limited)

1. We audited the attached Balance Sheet of Manappuram

finance Limited (formerly Manappuram General finance and

Leasing Limited) (‘the Company’) as at March 31, 2011 and

also the Profit and Loss Account and the Cash flow Statement

for the year ended on that date annexed thereto and issued

our audit opinion dated April 28, 2011 thereon. These financial

statements are the responsibility of the Company’s management.

our responsibility was to express an opinion on these financial

statements based on our audit. our audit was conducted in the

manner specified in paragraph 2 of the audit report.

2. As required by the Non-Banking financial Companies Auditor’s

Report (Reserve Bank) Directions, 2008, issued by the Reserve

Bank of India (‘the RBI’) and amended from time to time

(‘the Directions’), based on our audit referred to in paragraph

1 above and based on the information and explanations

given to us which to the best of our knowledge and belief

were necessary for this purpose, we report hereunder on the

matters specified in paragraphs 3 and 4 of the Directions:

a. The Company is engaged in the business of a Non-

Banking financial Institution (‘NBfI’) as defined in

section 45-I(a) of the Reserve Bank of India Act, 1934

(‘the Act’) during the year ended March 31, 2011. The

Company was registered with the RBI as an NBfI

accepting public deposits vide Certificate of Registration

(‘CoR’) number 16.00029 dated May 25, 1998 from

the RBI. However, with effect from March 22, 2011,

the Company has been registered with RBI as an NBfI

without accepting public deposits vide CoR number

B-16.00029.

b. Based on the asset/income pattern as on March 31,

2011 determined by the Management in accordance

with the audited financial statements for the year ended

as on that date, and with reference to paragraph 15 of

the Non-Banking financial (Non-Deposit Accepting or

Holding) Companies Prudential Norms (Reserve Bank)

Directons, 2007, the Company is entitled to continue to

hold such CoR.

c. Based on the criteria set forth by the RBI in Company

Circular No. DNBS.PD. CC No. 85 / 03.02.089 /2006-

07 dated December 6, 2006 for classification of

NBfCs, the Company has been correctly classified as

a Loan Company as defined in Non-Banking financial

Companies Acceptance of Public Deposits (Reserve

Bank) Directions, 1998 with reference to the business

carried on by it during the financial year ended March

31, 2011;

d. The Board of Directors has passed a resolution on

february 25, 2011 for non-acceptance of any public

deposits;

e. The Company has not accepted any public deposits

during the year ended March 31, 2011;

f. The Company has complied with the prudential norms

relating to income recognition, accounting standards,

asset classification and provisioning for bad and

doubtful debts as applicable to it in terms of

Non-Banking financial (Non-Deposit Accepting or

Holding) Companies Prudential Norms (Reserve Bank)

Directions, 2007 during the year ended March 31, 2011;

g. The capital adequacy ratio as disclosed in the return

submitted to the RBI in the form NBS-7 for the year

ended March 31, 2011, has been correctly arrived at and

such ratio is in compliance with the minimum Capital to

Risk Assets Ratio prescribed by the RBI;

h. The Company has furnished to the RBI the annual

statement of capital funds, risk assets/exposures and

risk asset ratio (form NBS-7) within the stipulated

period. The Company furnished form NBS-7 for the year

ended March 31, 2011 to the RBI on June 30, 2011.

3. We have no responsibility to update this report for events

and circumstances occurring after the date of our audit

opinion mentioned in paragraph 1.

4. This report is issued solely for reporting on the matters

specified in paragraphs 3 and 4 of the Directions, to the Board

of Directors and is not to be used or distributed for any other

purpose.

For S.R. BATLIBOI & ASSOCIATES





Date: June 30, 2011 Membership No.: 053315


Cash flow Statement


Auditors’ Report





56

Schedule As at

March 31, 2011 As at

March 31, 2010

SourceS oF FuNDS

Shareholders’ funds Share capital 1 833.75 340.39

Reserves and surplus 2 18,405.82 5,765.21

Loan fundsSecured loans 3 43,723.07 16,500.50

Unsecured loans 4 12,817.03 1,856.12

75,779.67 24,462.22

APPLicATioN oF FuNDS

Fixed assets 5

Gross block 1,651.82 669.80

Less : Accumulated depreciation / amortisation 332.80 135.63

Net block 1,319.02 534.17

capital work in progress including advances 68.64 1.23

intangible assets (net) 5 59.84 33.55

investments 6 403.20 1,406.70

Deferred tax asset (net) 7 87.07 33.35

current assets, loans and advancesCash and bank balances 8 6,663.69 2,682.08

other current assets 9 4,947.51 1,878.88

Loans and advances 10 64,141.68 18,907.13

75,752.88 23,468.09

Less : current liabilities and provisionsCurrent liabilities 11 1,126.34 810.28

Provisions 12 784.64 204.59

1,910.98 1,014.87

Net current assets 73,841.90 22,453.22

75,779.67 24,462.22

Notes to accounts 18

The schedules referred to above and the notes to accounts form an integral part of the Balance Sheet

As per our report of even date

For S. R. BATLIBOI & ASSOCIATES for and on behalf of the Board of Directors

firm Registration Number: 101049W


per S. Balasubrahmanyam V. P. Nandakumar I. Unnikrishnan B. N. Raveendra Babu

Partner executive Chairman Managing Director Joint Managing Director

Membership No.: 053315

Place: Chennai M. Anandan A. L.. Bindu C. Radhakrishnan

Date: April 28, 2011 Director Chief financial officer Company Secretary

Balance Sheet as at March 31, 2011


57

As per our report of even dateFor S. R. BATLIBOI & ASSOCIATES for and on behalf of the Board of Directorsfirm Registration Number: 101049WChartered Accountants

per S. Balasubrahmanyam V. P. Nandakumar I. Unnikrishnan B. N. Raveendra BabuPartner executive Chairman Managing Director Joint Managing Director Membership No.: 053315

Place: Chennai M. Anandan A. L.. Bindu C. RadhakrishnanDate: April 28, 2011 Director Chief financial officer Company Secretary

Schedule Year ended

March 31, 2011 Year ended

March 31, 2010

iNcoMeIncome from services 13 11,654.20 4,699.77

other income 14 161.06 82.24

11,815.26 4,782.01

exPeNDiTurePersonnel expenses 15 1,605.00 536.40

operating and other expenses 16 2,438.71 1,000.75

Depreciation / amortisation 5 212.96 57.37

financial expenses 17 3,319.63 1,369.23

7,576.30 2,963.75

Profit before tax 4,238.96 1,818.26

Less: Provision for tax- Current tax 1,466.04 640.11

- Deferred tax (53.72) (19.07)

Profit after tax 2,826.64 1,197.22

Balance brought forward from previous year (Also refer Schedule 2) 917.11 188.73

Amounts adjusted on amalgamation of MAfIT

- Profit after tax and appropriation for the financial year 2008-09 - 88.12

Profit available for appropriation 3,743.75 1,474.07

APProPriATioNS:- Transfer to Statutory Reserve 565.33 239.45

- Transfer to General Reserve 282.67 119.72

- Transfer to Capital Redemption Reserve - 17.15

- Proposed Dividend on equity Shares 500.25 165.89

- Tax on distributed profit 81.14 27.21

Net profit carried forward to balance sheet 2,314.36 904.65

earnings per share information (Refer note 18.6)

earnings per share

- Weighted average number of equity shares

- Basic 37,13,80,825 29,26,48,250

- Diluted 37,64,92,274 29,44,78,720

- Basic earnings per share (in `) 7.61 4.09

- Diluted earnings per share (in `) 7.51 4.07

Nominal value of equity shares ` 2/- ` 2/-

Notes to accounts 18

The schedules referred to above and the notes to accounts form an integral part of the Profit and Loss Account

Profit and Loss Account for the year ended March 31, 2011


Cash flow Statement


Auditors’ Report





58

As atMarch 31, 2011

As atMarch 31, 2010

ScheDuLe 1Share capitalAUThORISED

530,000,000 equity shares of ` 2/- each (Previous year - 106,000,000 equity shares of ` 10/- each) 1,060.00 1,060.00

400,000 (Previous year - 400,000) redeemable preference shares of ` 100/- each 40.00 40.00

ISSUED, SUBSCRIBED AND PAID-UP

416,874,188 equity shares of ` 2/- each (Previous year - 34,038,522 equity shares of ` 10/- each) fully paid up*

833.75 340.39

833.75 340.39

(i) 27,500,000 equity shares of ` 2/- each (2010 - 5,500,000 equity shares of ` 10/- each) are allotted as fully paid up bonus shares by capitalisation of General Reserve - ` 40 (Previous year - ` 40) and Securities Premium - ` 15 (Previous year - ` 15) in earlier years.

(ii) 170,192,610 (2010 - Nil) equity shares of ` 2/- each are allotted as fully paid up bonus shares by capitalisation of Capital redemption reserve - ` 40 (Previous year - Nil) and Securities Premium Account - ` 300.39 (Previous year - Nil) in the current year. Also, refer Note 18.3

Schedules to Accounts

As at March 31, 2011


ScheDuLe 2reserves and surplusCAPITAL REDEMPTION RESERVEopening balance 40.00 22.85 Add: Transferred from Profit and loss account 17.15 Less: Capitalised for bonus issue (40.00) -

- 40.00

SECURITIES PREMIUM ACCOUNTopening balance 3,988.96 877.30 Add: Securities premium on merger of MAfIT as at April 1, 2008 - 4.22 Add: Securities premium of MAfIT from April 1, 2008 to March 31, 2009 (net of share issues expenses)

- 527.51

Add: Securities premium on issue of shares 10,971.39 2,656.12 Less: Capitalised for bonus issue (300.39) - Less: Share issues expenses adjusted against securities premium (235.64) (76.19)

14,424.32 3,988.96

STATUTORY RESERVEopening balance 450.75 152.90 Add: Statutory Reserve on merger of MAfIT as at April 1, 2008 - 23.60 Add: Statutory Reserve of MAfIT from April 1, 2008 to March 31, 2009 - 34.80 Add: Transferred from Profit and loss account 565.33 239.45

1,016.08 450.75

GENERAL RESERVEopening balance 368.39 194.39 Add: General Reserve on merger of MAfIT - as at April 1, 2008 - 80.65 Add: General Reserve of MAfIT from April 1, 2008 to March 31, 2009 - 34.80 Less: Adjustment to General Reserve on merger with MAfIT - (61.17)Add: Transferred from Profit and loss account 282.67 119.72

651.06 368.39 Profit & loss account 2,314.36 904.65 Add: Profit & loss account on merger of MAfIT as at March 31, 2008 - 12.46

2,314.36 917.11 18,405.82 5,765.21


59



ScheDuLe 3

Secured loans1,328,535 (Previous year - 2,619,833) 7.5% - 13% (Previous year 9% - 14.5%) Secured Non-convertible Debentures of ` 1,000/- ` 1,000,000/- each redeemable at par at the end of the term of each series of debentures ranging between 1-5 years*

5,012.85 2,619.84

Add: Interest accrued and due thereon 2.68 19.52

5,015.53 2,639.36

FROM BANkS

- Cash credit / overdraft* 7,488.19 257.93

- Working Capital loans* 30,558.41 13,400.66

FROM OThERS

- Working Capital loans* 650.00 200.00

Vehicle loans 10.94 2.55

(Secured by hypothecation of vehicles)

43,723.07 16,500.50

* Refer note 18.13



ScheDuLe 4

unsecured loansDeposits (Due within one year - ` Nil (Previous year - ` 6.90)) - 18.54

Debenture application money 20.00 2.49

Inter-Corporate deposits (Due within one year - ` 1.64 (Previous year - ` 2.84)) 1.64 2.84

Commercial paper (Due within one year - ` 10,007.87 (Previous year - ` 650.73)) 10,007.87 650.73

Subordinate bond (Due within one year - ` 63.06 (Previous year - Nil)) 1,778.76 1,165.14

Subordinate debt (Due within one year - Nil (Previous year - ` Nil)) 1,000.00 -

Interest accrued and Due 8.76 16.38

12,817.03 1,856.12


Cash flow Statement


Auditors’ Report





60

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Schedules to Accounts (Contd.)


61



ScheDuLe 6

investments

LONG TERM INVESTMENTS

(Quoted, at cost)

A. other than trade

32,000 (Previous year - 62,000) units of ` 100 each in 7.38% Govt. of India Bond 3.15 6.15

100 (Previous year - 100) equity share of ` 10 each fully paid in The Dhanalakshmi Bank Limited 0.01 0.01

300 (Previous year - 300) equity share of ` 10 each fully paid in Vijaya Bank Limited 0.01 0.01

(Unquoted, at cost)

A. other than trade

1,000 (Previous year - 1,000) equity share of ` 10 each fully paid in The Catholic Syrian

Bank Limited

0.03 0.03

Current investments - (Unquoted, at lower of cost and market value)

Nil units (previous year - 1,629) of ` 20.46/- each in Sundaram Mutual fund - 0.03

40,000,000 (previous year - Nil) of ` 10 each in State Bank of India - Debt fund Series -

370 Days - 7- Growth

400.00 -

Nil units (previous year - 279,730) of ` 1,001.29/- each in Reliance Money Manager fund -

Institutional option - Daily Dividend

- 280.09

Nil units (previous year - 13,978,308) of ` 10.0179/- each in DWS Ultra Short Term fund -

Institutional Daily Dividend - Reinvest

- 140.03

Nil units (previous year - 98,035,440) of ` 10/- each in LICMf - floating Rate fund - Short

term plan - Daily Dividend Plan

- 980.35

403.20 1,406.70

Aggregate amount of quoted investments 3.17 6.17

Market value of quoted investments 3.37 6.37

Aggregate amount of unquoted investments 400.03 1,400.54

Refer Note 10 of Schedule 18 for details of investments purchased and sold during the year.



ScheDuLe 7

Deferred tax (liability) / asset (net)

DEFERRED TAx LIABILITY

Differences in depreciation and other differences in block of fixed assets as per tax books and financial books

(34.39) (34.76)

DEFERRED TAx ASSET

effect of expenditure debited to profit and loss account in the current year but allowed for tax purposes in following years

15.71 4.29

Provision for loans and advances 105.75 63.82

Net Deferred tax asset / (liability) 87.07 33.35


Cash flow Statement


Auditors’ Report

Balance Sheet Abstract FINANCIAL STATEMENTS

Branch Network



62



ScheDuLe 10

Loans & advances

SECURED, CONSIDERED GOOD

Loans:

- Gold 63,574.42 18,456.23

- Hypothecation 18.79 172.38

- Stock on hire 0.29 8.24

- others 77.11 57.52

UNSECURED, CONSIDERED GOOD

Advances recoverable in cash or kind or for value to be received 123.88 62.15

Deposits 347.19 150.61

64,141.68 18,907.13

SECURED, CONSIDERED DOUBTFUL

Loans:

- Gold 130.99 56.03

- Hypothecation 26.69 114.40

- Stock on Hire 1.31 14.15

- others 5.98 5.73

UNSECURED, CONSIDERED DOUBTFUL - -

Advances recoverable in cash or kind or for value to be received 2.49 1.81

167.46 192.12

Less: Provision for doubtful loans and advances 167.46 192.12

64,141.68 18,907.13

As atMarch 31, 2011

As atMarch 31, 2010

ScheDuLe 8

cash and bank balances

CASh ON hAND 1,188.01 644.98

BALANCES wITh SChEDULED BANkS

- on current accounts* 2,480.92 841.12

- on deposit accounts** 2,992.30 1,193.85

- on unpaid dividend accounts 2.46 2.13

6,663.69 2,682.08

* Includes amouts in escrow account towards closed public deposits ` 11.44 (previous year: Nil)

** Deposit accounts includes collateral deposit towards gold loans assigned and other facilities (Refer Note 12 to Schedule 18)



ScheDuLe 9

other current assetsInterest accrued 4,658.43 1,827.89

Stock of gold coins / auction gold 287.17 48.53

others 1.91 2.46

4,947.51 1,878.88



63



ScheDuLe 11

current liabilitiesSundry creditors for expenses* 275.56 148.81

Book overdraft 5.09 6.68

Interest accrued but not due on loans 270.91 169.11

Unmatured finance charges 197.90 339.17

Sundry deposits 10.95 20.08

Investor education and Protection fund shall be credited by following amounts (as and when due)

a) Unpaid dividends 2.46 2.13

b) Unpaid matured deposits 2.14 4.58

c) Unmatured deposits 9.30 -

other liabilities 352.03 119.72

1,126.34 810.28

* There are no dues outstanding to any enterprises covered under Micro, Small and Medium enterprises Development Act, 2006, based on the information available with the Company during the year and as at March 31, 2011 and March 31, 2010.



ScheDuLe 12

ProvisionsProvisions for taxation (net of advance tax and tax deducted at source) 29.96 6.13

Provision for standard assets 158.47 -

Provision for gratuity 14.82 -

Proposed final dividend 500.25 170.19

Tax on proposed dividend 81.14 28.27

784.64 204.59


Cash flow Statement


Auditors’ Report


Branch Network



64

Year ended March 31, 2011


ScheDuLe 13

income from services

INTEREST AND OThER INCOME FROM

- Gold and other loans 11,533.49 4,575.15

- Business loans 0.99 2.24

- Personal loans 0.62 4.36

- Hypothecation and hire purchase loans 93.70 90.86

- others 5.32 2.49

INCOME FROM FEE BASED ACTIVITIES*

- Money transfer 19.21 21.26

- others 0.87 3.41

11,654.20 4,699.77



ScheDuLe 14

other incomeInterest (gross)* 124.67 66.26

foreign exchange gain (net) 0.02 (0.01)

Bad debts recovered 8.64 3.55

others 27.73 12.44

161.06 82.24

* Tax deducted at source ` 24.93 (Previous year ` 9.89 )



ScheDuLe 15

Personnel expensesSalaries, wages and bonus 1,419.26 492.87

Contribution to provident and other funds 180.71 41.37

Staff welfare expenses 5.03 2.16

1,605.00 536.40



65



ScheDuLe 16

operating & other expensesRent 328.40 133.27

electricity 38.16 18.29

Insurance 23.75 4.64

Travel and conveyance 83.90 53.79

Communication expenses 44.23 14.74

Advertisement 1,038.51 482.81

Directors sitting fees 1.51 0.92

Repairs and maintenance

- Vehicles 1.78 1.56

- others 62.79 17.64

Legal and professional fees 95.19 24.42

Security charges 204.16 54.90

Rates and taxes 40.47 9.96

Printing and stationery 41.51 17.65

Loss on sale of assets 2.28 4.34

Bad debts 248.94 53.42


Provision for loans and advances, net of bad debts written off (24.66) 88.58

Miscellaneous expenses 49.32 19.82

2,438.71 1,000.75



ScheDuLe 17

Financial expensesInterest

- on Debentures 299.67 288.69

- on Deposits 1.37 3.84

- on Bank Borrowings 2,210.30 795.99

- on other borrowings 34.30 16.94

- on Subordinate Bonds 233.15 134.78

- on Commercial Papers 369.88 57.47

- others 7.92 6.83

Bank and other charges 163.04 64.69

3,319.63 1,369.23


Cash flow Statement


Auditors’ Report


Branch Network



66

18. 1 STATeMeNT oF SiGNiFicANT AccouNTiNG PoLicieS

a) Basis of preparation The financial statements have been prepared to comply

in all material respects with the Notified accounting

standard by Companies Accounting Standards Rules,

2006, (as amended) the relevant provisions of the

Companies Act, 1956 and the guidelines issued by the

Reserve Bank of India as applicable to a non deposit

accepting NBfC. The financial statements have been

prepared under the historical cost convention and on an

accrual basis except for interest and discounts on non

performing assets which are recognised on realisation

basis. The accounting policies have been consistently

applied by the Company and are consistent with those

used in the previous year.

b) use of estimates The preparation of financial statements in conformity

with generally accepted accounting principles requires

management to make estimates and assumptions that

affect the reported amounts of assets and liabilities and

disclosure of contingent liabilities at the date of the

financial statements and the results of operations during

the reporting period end. Although these estimates are

based upon management’s best knowledge of current

events and actions, actual results could differ from these

estimates.

c) Fixed assets fixed assets are stated at cost, less accumulated

depreciation and impairment losses if any. Cost

comprises the purchase price and any cost attributable

to bringing the asset to its working condition for its

intended use.

d) DepreciationDepreciation is provided using the straight line method at the rates prescribed under schedule XIV of the Companies Act, 1956, which is management’s estimate of the useful lives of the assets except as follows:

Nature of asset Rate of depreciation followed

Computer equipment 33.33%

During the current year, the Company has changed its estimated useful life of computer equipments from 6 years to 3 years. This change in estimated useful life has resulted in provision of additional depreciation by ` 57.09 million and the profit before tax of the Company is lower by the corresponding number.

Computer software cost capitalised is amortised over the estimated useful life of 6 years.

e) impairment i) The carrying amounts of assets are reviewed at

each balance sheet date if there is any indication

of impairment based on internal / external factors.

An impairment loss is recognised wherever

the carrying amount of an asset exceeds its

recoverable amount. The recoverable amount is the

greater of the assets net selling price and value in

use. In assessing value in use, the estimated future

cash flows are discounted to their present value

using a pre-tax discount rate that reflects current

market assessments of the time value of money

and risks specific to the asset.

ii) After impairment, depreciation is provided on the

revised carrying amount of the assets over its

remaining useful life.

f) Leases finance leases, which effectively transfer to the

Company substantially all the risks and benefits

incidental to ownership of the leased item, are

capitalised at the lower of the fair value and present

value of the minimum lease payments at the inception

of the lease term and disclosed as leased assets. Lease

payments are apportioned between the finance charges

and reduction of the lease liability based on the implicit

rate of return. finance charges are charged directly

against income. Lease management fees, legal charges

and other initial direct costs are capitalised.

If there is no reasonable certainty that the Company

will obtain the ownership by the end of the lease term,

capitalised leased assets are depreciated over the

shorter of the estimated useful life of the asset or the

lease term.

Leases where the lessor effectively retains substantially

all the risks and benefits of ownership of the leased

term, are classified as operating leases. operating lease

payments are recognised as an expense in the Profit and

Loss account on a straight-line basis over the lease term.

g) investments The Board of directors has spelt out the criteria

to classify investments into current and long term

investments in the investment policy. Investments that

are readily realisable and intended to be held for not

more than a year are classified as current investments.

All other investments are classified as long-term

investments. Any inter class transfer should be with the

approval of the board and as per RBI regulation.

ScheduLe 18 : Notes to Accounts


67

Current investments are carried at lower of cost and fair

value determined on an individual investment basis.

Quoted current investments for each category is valued

at cost or market value whichever is lower. Unquoted

equity shares in the nature of current investments is

valued at cost or break-up value, whichever is lower.

Long-term investments are carried at cost. However,

provision for diminution in value is made to recognise

a decline other than temporary in the value of the

investments.

h) revenues Revenue is recognised to the extent that it is probable

that the economic benefits will flow to the Company

and the revenue can be reliably measured.

Interest income on loans given is recognised under the

internal rate of return method. Such interests, where

instalments are overdue in respect of non performing

assets are recognised on realisation basis. Any such

income recognised and remaining unrealised after

the installments become overdue with respect to non

performing assets is reversed.

Revenues from fee-based activities are recognised as

and when services are rendered.

Interest on deposits is recognised on a time proportion

basis taking into account the amount outstanding and

the rate applicable.

Gains arising on direct assignment of assets is recognised

over the tenure of agreements as per guideline on

securitisation of standard assets issued by the Reserve

Bank of India, losses, if any are recognised upfront.

i) employee benefits i. Retirement benefits in the form of Provident

fund are defined contribution scheme and the

contributions are charged to the Profit and Loss

Account of the year when the contributions to the

fund maintained by the Central Government is

due. There are no other obligations other than the

contribution payable to the respective trusts.

ii. Gratuity liability under the Payment of Gratuity Act

which is a defined benefit scheme is accrued and

provided for on the basis of an actuarial valuation

on projected unit credit method made at the end

of each financial year.

iii. Short term compensated absences are provided

for based on estimates.

iv. Actuarial gains / losses are immediately taken to

profit and loss account and are not deferred.

j) Foreign currency transactions (I) INITIAL RECOGNITION

foreign currency transactions are recorded in

the reporting currency, by applying to the foreign

currency amount the exchange rate between the

reporting currency and the foreign currency at the

date of the transaction.

(II) CONVERSION

foreign currency monetary items are reported

using the closing rate. Non-monetary items which

are carried in terms of historical cost denominated

in a foreign currency are reported using the

exchange rate at the date of the transaction and

non-monetary items which are carried at fair

value or other similar valuation denominated in a

foreign currency are reported using the exchange

rates that existed when the values were

determined.

(III) ExChANGE DIFFERENCES

exchange differences arising on the settlement

of monetary items or on reporting company’s

monetary items at rates different from those at

which they were initially recorded during the year,

or reported in previous financial statements, are

recognised as income or as expenses in the year

in which they arise.

k) income Tax Tax expense comprises current and deferred tax. Current

income tax is measured at the amount expected to

be paid to the tax authorities in accordance with the

Indian Income Tax Act. Deferred income taxes reflects

the impact of current year timing differences between

taxable income and accounting income for the year and

reversal of timing differences of earlier years. Deferred

tax is measured based on the tax rates and the tax

laws enacted or substantively enacted at the balance

sheet date. Deferred tax assets are recognised only

to the extent that there is reasonable certainty that

sufficient future taxable income will be available against

which such deferred tax assets can be realised.

At each balance sheet date the Company re-assesses

unrecognised deferred tax assets. It recognises

unrecognised deferred tax assets to the extent that it

has become reasonably certain or virtually certain, as

the case may be that sufficient future taxable income

will be available against which such deferred tax assets

can be realised.


Cash flow Statement


Auditors’ Report


Branch Network



68

CLASSIFICATION OF LOANS (GOLD AND OThER LOANS)

Asset classification Provisioning policy

Standard assets # 0.25%

Sub-standard assets 10%

Doubtful assets 100% of unsecured portion + 20 to 50% of secured portion.

Loss assets 100% written off in books.

CLASSIFICATION OF LOANS (hYPOThECATION AND STOCk ON hIRE)

Asset classification Provisioning policy

Standard assets # 0.25%

Sub-standard assets 100%

Doubtful assets* 100% written off in books.

Loss assets 100% written off in books.

* Company considers all loans overdue for more than 18 months as doubtful of recovery.

# As per notification DNBB.222 / CGM(US)-2011 issued by Reserve Bank of India (RBI) on January 17, 2011.

The carrying amount of deferred tax assets are reviewed

at each balance sheet date. The Company writes-down

the carrying amount of a deferred tax asset to the

extent that it is no longer reasonably certain or virtually

certain, as the case may be, that sufficient future taxable

income will be available against which deferred tax

asset can be realised. Any such write-down is reversed

to the extent that it becomes reasonably certain or

virtually certain, as the case may be, that sufficient

future taxable income will be available.

l) earnings per share Basic earnings per share are calculated by dividing the

net profit or loss for the period attributable to equity

shareholders (after deducting preference dividends and

attributable taxes) by the weighted average number

of equity shares outstanding during the period. The

weighted average numbers of equity shares outstanding

during the period are adjusted for events of bonus

issue; bonus element in a rights issue to existing

shareholders; share split; and reverse share split, if any.

for the purpose of calculating diluted earnings per

share, the net profit or loss for the period attributable to

equity shareholders and the weighted average number

of shares outstanding during the period are adjusted for

the effects of all dilutive potential equity shares.

m) Provisions a) A provision is recognised when an enterprise has

a present obligation as a result of past event and

it is probable that an outflow of resources will

be required to settle the obligation, in respect of

which a reliable estimate can be made. Provisions

are not discounted to its present value and are

determined based on management estimate

required to settle the obligation at the balance

sheet date. These are reviewed at each balance

sheet date and adjusted to reflect the current

management estimates.

b) Provision policy for gold loans and other loan

portfolios

Secured loans are classified / provided for, as

per management’s best estimates, subject to

the minimum provision required as per Non-

Banking financial (Deposit Accepting or Holding)

Companies Prudential Norms (Reserve Bank)

Directions, 2007 as follows:

ScheduLe 18 : Notes to Accounts (Contd.)


69

n) Segment reporting The Company primarily operates in the business of

“Gold loan” and accordingly no segment reporting is

applicable.

o) cash and cash equivalents Cash and cash equivalents in the balance sheet comprise

cash at bank and in hand and short-term investments

with an original maturity of three months or less.

p) Ancilliary borrowing costs Ancilliary borrowings costs incurred issue of debentures

and other long term borrowings are expensed over the

tenure of the loan.

q) Share issue expenses expenses incurred in connection with issue of shares

are adjusted (net of tax effects, if any) against the

securities premium account in accordance with Section

78 of the Companies Act, 1956.

r) insurance claims Insurance claims are accrued for on the basis of claims

admitted and/or to the extent there is no uncertainty in

receiving the claims.

s) Surplus on auction of pledged gold The Company has a policy of refund of any surplus

that arises on auction of pledged gold which has been

re-possessed by the Company in accordance with the

terms of the agreement with the customers.

t) employee stock compensation cost Measurement and disclosure of the employee share-

based payment plans is done in accordance with

SeBI (employee Stock option Scheme and employee

Stock Purchase Scheme) Guidelines, 1999 and the

Guidance Note on Accounting for employee Share-

based Payments, issued by the Institute of Chartered

Accountants of India. The Company measures

compensation cost relating to employee stock options

using the intrinsic value method. Compensation

expense, if any is amortised over the vesting period of

the option on a straight line basis.

18. 2 NATure oF oPerATioNS Manappuram General finance and Leasing Limited

(‘MAGfIL’ or ‘the Company’) was incorporated on July 15,

1992 in Thrissur, Kerala. The Company is a non banking

financial company (‘NBfC’), which provides a wide range

of fund based and fee based services including gold

loans, money exchange facilities etc. The Company

currently operates through more than 1,900 branches

spread across the country.

The Board of Directors of the Company at its meeting

held on february 25, 2011, decided to change the

Category A (Deposit Taking) registration of the Company

with Reserve Bank of India (RBI) and made an

application for the change. RBI approved the same and

issued a new Certificate giving Category B (Non Deposit

Taking) registration to the Company. As per the new

registration, the Company is a Systemically Important

Non-Deposit Taking NBfC.

18.3 ShAre cAPiTAL

issue of equity shares to promoters on preferential basis

During the current period, the Company has issued

13,210,039 shares to its promoters on preferential basis

at a price of ` 75.70/- per share at a premium of

` 73.70/- per share. The approval of the Board of

Directors and shareholders has been taken and

necessary regulatory requirements have been complied

with by the Company.

Bonus and share split The shareholders of the Company have on April 22,

2010 through a resolution, approved the sub-division

of one fully paid equity share of ` 10/- each of the

Company into five equity shares of ` 2/- each fully

paid pursuant to Section 94 of the Act. further, the

shareholders of the Company have through a resolution

passed on April 22, 2010 approved the issuance of

equity shares of ` 2/-each, fully paid up, as bonus

shares (after considering the stock split as above) in the

ratio of 1:1 to the shareholders existing as on the record

date. These changes have been given effect to in the

current period.

further, as per the requirements of paragraph 44

read with paragraph 24 of Accounting Standard 20 –

‘earnings per share’ (AS-20), the number of equity shares

outstanding as at March 31, 2010 has been adjusted

for the amount of such bonus shares and sub-divided

shares in the computation of the weighted average

number of shares for the computation of ePS for the

current year and previous year.

issue of equity shares through private placement to Qualified institutional Buyers (“QiBs”)

During the current year, the Company has issued

59,523,809 shares to certain QIBs by way of a private

placement at a price of ` 168/- per share at a premium

of ` 166/- per share. The issues of these shares are for

the purposes of augmenting the funding needs of the

Company and to meet capital adequacy norms. The

Company raised a total amount of ` 10,000 million from

these QIBs and incurred an amount of ` 230 million as

share issues expenses which has been set off against

the share premium account.


Cash flow Statement


Auditors’ Report


Branch Network



70

employee Stock option Scheme (eSoS), 2009The details of the employee Stock option Scheme 2009 are as under:

Date of share holders’ approval August 17, 2009

Number of options approved 1,000,000

Date of grant August 17, 2009

Number of options granted 829,500

Method of settlement equity

Graded Vesting 50% after one year from the date of grant i.e. August 16, 2010 and balance 50% after two years from the date of grant i.e August 16, 2011

exercisable period 4 years from vesting date

Vesting conditions on achievement of pre-determined performance parameters in accordance with the Company Performance appraisal plans.

Subsequent to the share split and bonus issue, the number of options has been adjusted to 8,295,000 options and the exercise price has been adjusted to ` 33.12/- per share in accordance with the terms of the scheme.

The Company has adopted the (employee Stock option Scheme and employee Stock Purchase Scheme) Guidelines, 1999 issued by Securities and exchange Board of India, and has recorded a compensation expense using the intrinsic value method as set out in those guidelines. The summary of the movements in options is given below:



Particulars

options outstanding, beginning of year 7,850,000 -

options granted during the year - 8,295,000

options exercised during the year 3,755,120 -

options lapsed during the year - 445,000

options outstanding, end of year 4,094,880 7,850,000

options outstanding at the year end comprise of :

- options eligible for exercise at year end 169,880 -

- options not eligible for exercise at year end 3,925,000 7,850,000



ParticularsWeighted average remaining contract life of options 2 years 5 month 3 years 5 month

The options outstanding at March 31, 2011 had an exercise price of ` 33.12/-



71

The fair value of options estimated at the date of grant using the Black-Scholes method and the assumptions used are as under:

Vesting I

August 16, 2010

Vesting II August 16, 2011

Particulars 50% 50%

option fair value (pre-split and bonus at a face value of ` 10/- per share) ` 142.43 ` 157.92

Risk-free interest rate 6.15% 6.53%

expected life 3 years 4 years

expected volatility 67.11% 66.62%

expected dividend yield 2.76% 2.76%

Share price on the date of grant (face value of ` 10/-) ` 331.15 /- ` 331.15 /-

The expected volatility of the stock has been determined based on historical volatility of the stock. The period over which volatility has been considered is the expected life of the option.

Pro-forma Disclosures for eSoS 2009In accordance with SeBI (employee Stock option Scheme and employee Stock Purchase Scheme) Guidelines, 1999, had the compensation cost for eSoS 2009 been recognised based on the fair value at the date of grant in accordance with Black-Scholes method, the amounts of the Company’s net profit and earnings per share would have been as follows:

Particulars Profit after tax Basic ePS (`) Diluted ePS (`)


- Amounts as reported 2,826.64 7.61 7.51

- Amounts as per pro-forma 2,774.52 7.47 7.37

Particulars Profit after tax Basic ePS (`) Diluted ePS (`)


- Amounts as reported 1,197.22 4.09 4.07

- Amounts as per pro-forma 1,143.19 3.91 3.88


Cash flow Statement


Auditors’ Report


Branch Network



7218

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Cash flow Statement


Auditors’ Report


Branch Network



7418

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1.2

0 2

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1.2

0

Man

appu

ram

fou

ndat

ions

-

1

.78

-

-

-

-

-

1.7

8



75

1. Names of related partiesenterprises owned or significantly influenced by Manappuram Benefit fund Limited

key management personnel or their relatives Manappuram Chits (India) Limited

Manappuram Asset finance Limited

Manappuram finance (sole proprietorship)

Manappuram Insurance Brokers Private Limited

Manappuram Jewellers Private Limited

Manappuram foundations (charitable trust)

Key Management Personnel Mr. V P Nandakumar

Mr. I Unnikrishnan

Mr. B.N Raveendra Babu

Relatives of key management personnel Mrs. Sushama Nandakumar

Mr. Sooraj Nandan

Mrs. Dr. Sumitha Nandan

Mrs. Jyothi Prasannan

Mrs. Shelly ekalavyan

Mrs. Geetha Ravy

Mrs. Rajalakshmi Raveendra Babu

Mrs. Sathyalekshmy

2. Remuneration paid to directors is disclosed elsewhere in the financial statements (Refer note 18.15(c))

18.5 eMPLoyMeNT BeNeFiTS DiScLoSureS The amounts of Provident fund contribution charged to the Profit and loss account during the year aggregates to ` 96.51

(Previous year - ` 26.25).

The Company has a defined benefit gratuity plan. every employee who has completed five years or more of service gets a gratuity on

departure at 15 days salary (last drawn salary) for each completed year of service. The scheme is funded with an insurance company in

the form of a qualifying insurance policy.

The following tables summarise the components of net benefit expense recognised in the profit and loss account and the funded status

and amounts recognised in the balance sheet for the gratuity plan.

Profit and Loss account

Net employee benefit expense (recognised in Personnel expenses)

2011 2010

Current service cost 32.48 0.54

Interest cost on benefit obligation 0.31 0.12

expected return on plan assets (1.86) (0.29)

Net actuarial loss recognised in the year 15.16 1.73

Net (benefit) / expense 46.09 2.10

Actual return on plan assets 2.01 0.29

Balance sheet


Cash flow Statement


Auditors’ Report


Branch Network



76

Reconciliation of present value of the obligation and the fair value of plan assets:

2011 2010

Defined benefit obligation (51.91) (3.88)

fair value of plan assets 37.09 4.06

Asset/(liability) recognised in the balance sheet (14.82) 0.18

experience adjustments on plan liabilities (Gain) / Loss 14.90 -

experience adjustments on plan assets Gain / (Loss) 0.15 -

There are no experienec adjustments for the years ending March 31, 2009 and March 31, 2008.

Changes in the present value of the defined benefit obligation are as follows:

2011 2010

opening defined benefit obligation 3.88 1.53

Interest cost 0.31 0.12

Current service cost 32.48 0.54

Benefits paid (0.07) (0.04)

Actuarial loss / (gain) on obligation 15.31 1.73

Closing defined benefit obligation 51.91 3.88

Changes in the fair value of plan assets are as follows:

2011 2010

opening fair value of plan assets 4.06 2.41

expected return 1.86 0.29

Contributions by employer 31.09 1.40

Benefits paid (0.07) (0.04)

Actuarial gains / (losses) 0.15 -

Closing fair value of plan assets 37.09 4.06

The principal assumptions used in determining gratuity obligations for the Company’s plans are shown below:

2011 2010

Discount rate 8.3% 8.0%

expected rate of return on assets 8.5% 5.0%

employee turnover 30.0% 30.0%

The fund is administered by Life Insurance Corporation of India (“LIC”). The overall expected rate of return on assets is determined based on the market prices prevailing on that date, applicable to the period over which the obligation is to be settled.

The estimates of future salary increases, considered in actuarial valuation, take account of inflation, seniority, promotion and other relevant factors, such as supply and demand in the employment market.

2011 2010

18.6 eArNiNGS Per ShAre

ParticularsNet profit as per profit and loss account (used for calculation of ePS) 2,826.64 1,197.22

Weighted average number of equity shares in calculating basic ePS (Nos.) 37,13,80,825 29,26,48,250

Weighted average number of equity shares in calculating Dilutive ePS (Nos.)

Weighted average number of equity shares in calculating basic ePS (Nos.) 37,13,80,825 29,26,48,250

Add: Number of dilutive shares under empoyees Stock options (Nos.) 51,11,449 18,30,470

Weighted average number of equity shares in calculating diluted ePS (Nos.) 37,64,92,274 29,44,78,720



77

2011 2010

(ii) contingent liabilities

Particulars The Company is contingently liable to banks and other financial institutions with respect to assignment of gold loans to the extent of the collateral deposits / guarantees.

1,702.76 707.17

Total 1,702.76 707.17

18.7 LeASe DiScLoSure

operating leases:office premises are obatined on operating lease which are cancellable in nature.

2011 2010

finance leases:

Total minimum lease payments at the year end 12.57 2.83

Less : amount representing finance charges 1.63 0.28

Present value of minimum lease payments 10.94 2.55

Lease payments for the year 2.01 1.78

Minimum Lease Payments :

Not later than one year [Present value ` 3.78 as on March 31, 2011 (` 1.57 as on March 31, 2010)]

4.55 1.79

Later than one year but not later than five years [Present value ` 7.16 as on March 31, 2011 (` 0.96 as on March 31, 2010)]

8.02 1.04

Later than five years [Present value ` Nil as on March 31, 2011 (` Nil as on March 31, 2010)] - -

18.8 coMMiTMeNTS AND coNTiNGeNT LiABiLiTieS

(i) commitments estimated amount of contracts remaining to be executed on capital account, net of advances is ` 89.54 (Previous year - ` 1.53).

(iii) Applicability of Kerala Money Lenders’ Act The Company has challenged in the Hon’ble Supreme Court the order of Hon’ble Kerala High Court upholding the applicability of

Kerala Money Lenders Act to NBfCs. The Hon’ble Supreme Court has directed that a status quo on the matter shall be maintained

and the matter is currently pending with the Supreme court. The Company has taken legal opinion on the matter and based on

such opinion the management is confident of a favourable outcome. Pending the resolution of the same, no adjustments have

been made in the financial statements for the required license fee and Security deposits.


Cash flow Statement


Auditors’ Report


Branch Network



78

18.9 (A) LoAN PorTFoLio AND ProviSioN For NoN PerForMiNG ASSeTS For MAjor cATeGorieS oF LoAN PorTFoLioASSeT cLASSiFicATioN (AS Per rBi PruDeNTiAL NorMS)

Gross loan outstanding Provision for Assets Net loan outstanding

2011 2010 2011 2010 2011 2010

Gold loan- Standard assets 63,495.46 18,410.61 158.47 * - 63,336.99 18,410.61

- Sub-standard assets 76.27 48.25 7.63 4.83 68.64 43.42

- Doubtful assets 133.68 53.40 123.36 51.20 10.32 2.20

- Loss assets - - - -

hypothecation loan- Standard assets 18.79 91.55 - - 18.79 91.55

- Sub-standard assets 26.69 124.52 26.69 43.69 - 80.83

- Doubtful assets - 70.71 70.71 - -

- Loss assets

63,750.89 18,799.04 316.15 170.43 63,434.74 18,628.61

* Disclosed separately under Provisions in Schedule 12 and not netted off against the loan

2011 2010

18.9 (B) ProviSioN For DiMuNiTioN iN vALue oF iNveSTMeNTS

ParticularsProvision for dimunition in value of investments - -

18.10 DeTAiLS oF iNveSTMeNTS PurchASeD AND SoLD DuriNG The yeArFor the year ended March 31, 2011

Purchased Sold

Particulars Units Rate (`) Total Units Rate (`) Total

ICICI prudential flexible Income Plan Premium - Growth 1.42 140.85 200.00 1.13 177.20 200.24

Kotak floater short term Growth fund 19.23 15.60 300.00 19.23 15.61 300.22

Canara Robeco liquid Super Institutional Growth fund 4.31 11.60 50.00 3.47 14.43 50.06

IDfC Cash fund - Super Institutional - Daily Dividend 5.00 10.00 50.00 5.00 10.01 50.05

SBI Magnum Insta cash fund - cash option 36.80 21.20 780.00 36.80 21.21 780.67

SBI Magnum Insta cash fund - cash option 11.79 21.20 250.00 11.79 21.22 250.19

Religare Ultra short term fund - Institutional Growth 19.08 13.10 250.00 19.03 13.16 250.40

Religare Liquid fund - Super Institutional Growth fund 76.31 13.10 1,000.00 76.31 13.11 1,000.19

Tata Liquid Super high investment fund 0.03 1,666.67 50.00 0.03 1,668.67 50.06

IDBI Liquid fund - Growth 39.07 10.24 400.00 39.07 10.25 400.56

PNB liquid fund - Growth 5.00 10.00 50.00 5.00 10.05 50.23

UTI Mutual fund 199.00 10.00 1,990.00 199.00 10.00 1,990.76

417.04 5,370.00 415.86 5,373.63

For the year ended March 31, 2010Purchased Sold

Particulars Units Rate (`) Total Units Rate (`) Total

Reliance Liquidity fund - Daily Dividend Reinvestment option 32.99 10.00 330.04 32.99 10.00 330.04

LICMf - Liquid fund Dividend Plan 89.26 10.98 980.09 89.26 10.98 980.09

122.25 1,310.13 122.25 1,310.13



79

18.11 ASSiGNMeNT oF receivABLeSThe Company has assigned a portion of its gold loans / hypothecations loans to banks and financial institutions during the year. The aggregate amount assigned as as at March 31, 2011 is ` 11,182.83 (Previous year - ` 7,077.02). These amounts have been reduced from the gross gold loan and hypothecation loan balances. A bank / institution wise breakup of the same is as under:

Bank / Financial institution 2011 2010

Dhanalakshmi Bank 1,849.41 -

Kotak Mahindra Bank 1,971.79 630.31

ING Vysya Bank 1,628.67 882.27

Yes Bank 1,684.88 -

ICICI Bank 1,564.86 2,092.66

UTI Bank 1,118.19 1,499.98

Development Credit Bank 199.72 -

federal Bank 166.55 -

IndusInd Bank 450.40 -

IDBI Bank 548.36 1,971.80

11,182.83 7,077.02

18.12 DePoSiTS WiTh BANKS iNcLuDe cASh coLLATerAL DePoSiTS AGGreGATiNG ` 2,119.41 (PreviouS yeAr: ` 1,182.57) ToWArDS ASSiGNMeNTS AND oTher APProveD FAciLiTieS. A BANK / iNSTiTuTioN WiSe BreAKuP oF The SAMe iS AS uNDer:

Bank / Financial institution 2011 2010

ICICI Bank 182.73 133.81

Kotak Mahindra Bank 35.54 30.18

HDfC Bank 153.57 80.00

Development Credit Bank 25.00 -

ING Vysya Bank 54.79 34.43

federal Bank 50.00 54.24

South Indian Bank 127.89 136.85

IDBI Bank 155.00 120.00

YeS Bank 209.24 50.00

Karur Vyasya Bank 25.00 12.50

Indian overseas Bank 275.32 50.00

Bank of Rajastan 10.00 10.00

Development Bank of Singapore 37.50 -

Dhanalakshmi Bank 365.33 -

United Bank of India 100.00 -

DeNA Bank 37.50 -

Andhra Bank 125.00 -

Punjab National Bank - 50.00

UCo Bank 100.00 -

Jammu & Kashmir Bank 50.00 -

Catholic Syrian Bank - 20.56

State Bank of India - 400.00

2,119.41 1,182.57

18.13 chArGeS creATeD oN ASSeTS oF The coMPANy For SecureD LoANS

A. From banks

Cash credit, overdrafts and working capital loan accounts have been availed from various banks and are secured by Gold

Loan receivables.


Cash flow Statement


Auditors’ Report


Branch Network



80B.

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DETA

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OF

SECU

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AN

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RIES

wIS

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DIN

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Dat

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Cash flow Statement


Auditors’ Report


Branch Network



82

28-M

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110

0 1

00.0

0 36

N

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par

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83

Particulars March 31, 2011 March 31, 2010

CRAR (%) 29.13 29.34

CRAR - Tier I Capital (%) 26.36 26.04

CRAR - Tier II Capital (%) 2.77 3.30

b) exposure to real estate sector

The Company does not have any direct or indirect exposure to real estate sector.

c) Asset liability management

18.14 Additional disclosures as required by circular no DNBS(PD).CC.No.125/03.05.002/2008-2009 dated August 1, 2008

issued by the Reserve Bank of India:

a) capital to risk assets ratio

Maturity pattern of certain items of assets and liabilities as at March 31, 2011

Liabilities 1 day to 30/31 days

(one month)

over one month to 2 months

over 2 month upto

3 months

over 3 months to 6 months

over 6 months to

1 year

over 1 year to 3 years

over 3 years to 5 years

over 5 years

Total

Borrowings from banks 6,050.06 2,050.07 1,899.27 10,642.26 17,404.94 - - - 38,046.60

Market borrowings # 1,708.20 2,686.12 3,060.99 2,204.00 1,002.40 4.80 2.30 - 10,668.81

Assets 1 day to 30/31

days (one month)

over one month to 2 months

over 2 month upto

3 months

over 3 months to 6 months

over 6 months to

1 year

over 1 year to 3 years

over 3 years to 5 years

over 5 years

Total

Advances (net) 11,243.48 11,347.28 9,396.95 14,263.14 17,419.76 - - - 63,670.61

Investments - - - 3.15 400.00 - - 0.05 403.20

# Represents secured loans from others and vehicle loans under Schedule 3 and commercial papers under Schedule 4

These disclosures are given only for certain items of assets and liabilities from the Balance sheet as required by the above circular and is not a complete

depiction of the asset liability maturity position of the Company as at March 31, 2011.

As this is the first year of presentation of the above information, no comparatives have been disclosed.

18.15 SuPPLeMeNTAry ProFiT AND LoSS DATA

a. Legal and professional fees (Schedule 17) includes remuneration to auditors as follows:

Remuneration as auditors 2011 2010

Statutory audit 2.50 2.00

other services 1.50 0.90

Certification 0.50 0.20

out of pocket expenses 0.20 0.13

4.70 3.23

Note:

excludes applicable service taxes

excludes ` 3.5 (previous year ` 1) included under Share issue expenses in Schedule 2 in connection with Qualified Institutional

Placement


Cash flow Statement


Auditors’ Report


Branch Network



84

b. expenditure in foreign currency

2011 2010

Travel 2.52 1.12

Consultancy charges 7.96 -

10.48 1.12

c. Managerial remuneration

2011 2010

Salary to whole time directors 28.80 14.70

Commission to whole time directors 18.60 9.60

Commission to Non - whole time directors 2.80 2.23

Contribution to provident fund/superannuation for whole time directors 3.46 1.76

53.66 28.29

Note:

Provisions for / contribution to employee retirement/post retirement and other employee benefits which are based on actuarial

valuations done on an overall Company basis are excluded above.

Computation of Net Profit in accordance with section 349 of the Companies Act, 1956 for calculation of commission payable to directors

2011 2010

Profit before tax (as per Profit and Loss Account) 4,238.96 1,818.26

Add:

Directors’ remuneration 53.66 28.29

Depreciation as per Profit and Loss account 212.96 57.37

Provision for doubtful debts and advances 133.81 88.58

Loss on disposal of investments - 0.43

Loss on sale of fixed assets (net) as per Profit and Loss account 2.28 4.34

Less: - -

Depreciation (to the extent specified in section 350 of the Companies Act, 1956) (212.96) (57.37)

(Loss)/Profit on sale of fixed assets as per Section 349 of the Companies Act, 1956 (2.28) (4.34)

Net profit as per Section 349 of the companies Act, 1956 4,426.43 1,935.56

Maximum amount of commission and Salary payable to Managing and Wholetime directors at 10% of the net profits as calculated above

442.64 193.56

Maximum amount of commission payable to other directors at 1% of the net profits as calculated above

44.26 19.36



85

18.16 reMiTTANce oF DiviDeND iN ForeiGN curreNy

2011 2010

Final dividendPeriod to which it relates - 2008-2009

Number of non-resident shareholders - 4

Number of equity shares held on which dividend was due - 1,25,46,630

Amount remitted - 14.68

18.17 During the year there have been certain instances of fraud on the Company by employees where gold loan related

misappropriations / cash embezzlements have occurred for amounts aggregating ` 24.87 million. The Company has fully provided

for these amounts in the financial statements and is in the process of recovering these amounts from the employees and taking

appropriate legal actions.

18.18 coMPArATiveS Previous year’s figures have been reclassified to conform to the presentation of the current year.











Cash flow Statement


Auditors’ Report


Branch Network



86



A. cASh FLoW FroM oPerATiNG AcTiviTieS

Net profit before taxation, and extraordinary items 4,238.96 1,818.26

Adjustments for:

Depreciation / amortisation 212.96 57.37

Loss on sale of fixed assets 2.28 4.34

(Profit) / Loss on sale of investments (3.96) 0.43

Interest income (124.67) (66.26)

Dividend income (3.62) (0.48)

Interest expense 3,156.59 1,304.54


Bad debts written off and provision for bad debts 224.28 141.99

operating profit before working capital changes 7,861.29 3,260.19

Movements in working capital :

Decrease / (Increase) in other current assets (3,026.12) (999.34)

Decrease / (Increase) loans and advances (45,458.84) (14,218.30)

Increase / (Decrease) in current liabilities and provisions 228.75 254.41

Cash generated from operations (40,394.92) (11,703.04)

Direct taxes paid (net of refunds) (1,442.22) (653.38)

Net cash from operating activities (41,837.14) (12,356.42)

B. cASh FLoWS FroM iNveSTiNG AcTiviTieSPurchase of fixed assets (1,096.42) (297.24)

Proceeds from sale of fixed assets 2.63 0.74

Purchase of investments (5,770.00) (2,680.13)

Sale / maturity of investments 6,777.46 1,284.24

Interest received 82.16 44.21

Dividends received 3.62 -

Net cash from investing activities (0.55) (1,648.18)

c. cASh FLoWS FroM FiNANciNG AcTiviTieSProceeds from issuance of share capital 11,124.38 2,677.19

Share issue expenses adjusted against securities premium (235.64) (76.19)

Redemption of preference shares - (40.00)

Increase / (decrease) in secured debentures including application money (net) 2,410.52 1,801.77

Increase / (decrease) in bank borrowings (net) 24,388.01 9,640.91

Increase / (decrease) in borrowings from others (net) 450.00 200.00

Increase / (decrease) in subordinate bond (net) 613.62 477.88

Increase / (decrease) in deposits including inter-corporate deposits (net) (19.74) (29.95)

Proceeds from commercial paper 21,810.03 3,316.31

Repayment of commercial paper (12,452.89) (2,665.58)

Increase / (decrease) in vehicle loans (net) 8.39 (0.39)

Proceeds from subordinated debt 1,000.00 -

Cash flow Statementfor the year ended March 31, 2011


87

Interest paid (3,079.25) (1,227.99)

Dividends paid (169.86) (54.85)

Tax on dividend paid (28.27) (9.14)

Net cash used in financing activities 45,819.30 14,009.97

Net increase in cash and cash equivalents (A + B + c) 3,981.61 5.37

cash and cash equivalents at the beginning of the year 2,682.08 1,133.96

Add: Adjustment on account of amalgamation - 1,542.75

cash and cash equivalents at the end of the year 6,663.69 2,682.08

Components of cash and cash equivalents as at March 31, 2011

Cash and cheques on hand 1,188.01 644.98

With banks

- on current account# 2,480.92 841.12

- on deposit account* 2,992.30 1,193.85

- on unpaid dividend accounts** 2.46 2.13

6,663.69 2,682.08



* Includes cash collateral deposits held with banks ` 2,119.41 (previous year ` 1,182.57) which are not available for use by the Company

# Includes amouts in escrow account towards closed public deposits ` 11.44 not available for use by the Company as they represent

corresponding deposit liabilities (previous year: Nil)

**These balances are not available for use by the Company as they represent corresponding unpaid dividend liabilities.











Cash flow Statement


Auditors’ Report


Branch Network


Schedule to the Balance Sheet of a Non-Deposit taking Non-Banking financial Company(as required in terms of paragraph 13 of Non-Banking financial (Non-Deposit Accepting or Holding) Companies Prudential Norms

(Reserve Bank) Directions, 2007)

(` in lakhs)

Sl No Particulars Amount outstanding

Amount overdue

Liabilities side :

(1) Loans and advances availed by the non-banking financial company inclusive of interest accrued thereon but not paid:

(a) Debentures : Secured 50,822.52

: Unsecured (other than falling within the meaning of public deposits*)

200.00

(b) Deferred Credits -

(c) Term Loans 109.40

(d) Inter-corporate loans and borrowing 16.77

(e) Commercial Paper 1,01,125.28

(f) other Loans:

Subordinate bond 28,226.51

Bank 3,80,465.97

* Please see Note 1 below

(3) Break up of Leased Assets and stock on hire and other assets counting towards AFC activities

(i) Lease assets including lease rentals under sundry debtors : -

(a) (a) financial lease -

(b) (b) operating lease -

(ii) Stock on hire including hire charges under sundry debtors: -

(a) Assets on hire 2.94

(b) Repossessed Assets -

(iii) other loans counting towards AfC activities -

(a) Loans where assets have been repossessed -

(b) Loans other than (a) above

(` in lakhs)

Assets side : Amount outstanding

(2) Break-up of Loans and Advances including bills receivables [other than those included in (4) below] :

(a) Secured 6,83,254.33

(b) Unsecured 4,743.78

(` in lakhs)


(` in lakhs)

Amount net of provisions

(5) Borrower group-wise classification of assets financed as in (2) and (3) above :Please see Note 2 below

Category

Secured Unsecured Total

1 Related Parties **

(a) Subsidiaries

(b) Companies in the same group

(c) other related parties

2. other than related parties 6,83,257.27 4,743.78 6,88,001.05

Total 6,83,257.27 4,743.78 6,88,001.05

** As per Accounting Standard of ICAI (please see Note 3)

(4) Break-up of Investments :

Current Investments:

1 Quoted :

(i) Shares : (a) equity -

(b) Preference -

(ii) Debentures and Bonds -

(iii) Units of mutual funds -

(iv) Government Securities -

(v) others -

2 Unquoted :

(i) Shares : (a) equity -

(b) Preference -


(iii) Units of mutual funds 4,000.00


(v) others -

Long Term investments:

1 Quoted :

(i) Shares : (a) equity 0.12

(b) Preference -



(iv) Government Securities 36.63

(v) others -

2 Unquoted :

(i) Shares : (a) equity 0.32

(b) Preference -




(iv) others -

(` in lakhs)


89Balance Sheet Schedules

Cash flow Statement


Auditors’ Report


Branch Network


(` in lakhs)

Amount outstanding

(7) Other Information :

(i) Gross Non-Performing Assets

(a) Related parties

(b) other than related parties -

(ii) Net Non-Performing Assets 1,674.57

(a) Related parties

(b) other than related parties -

Assets acquired in satisfaction of debt -

Notes:

1. As defined in paragraph 2(1)(xii) of the Non-Banking financial Companies Acceptance of Public Deposits (Reserve Bank) Directions, 1998.

2. Provisioning norms shall be applicable as prescribed in the Non-Banking financial (Non Deposit Accepting or Holding) Companies

Prudential Norms (Reserve Bank) Directions, 2007.

3. All Accounting Standards and Guidance Notes issued by ICAI are applicable including for valuation of investments and other assets as

also assets acquired in satisfaction of debt. However, market value in respect of quoted investments and break up/fair value/NAV in

respect of unquoted investments should be disclosed irrespective of whether they are classified as long term or current in (4) above.

for and on behalf of the Board of Directors

V. P. Nandakumar I. Unnikrishnan P Manomohanan

Chairman & Managing Directo Managing Director Director

B.N. Raveendra Babu A. L.. Bindu C. Radhakrishnan

Joint Managing Director Chief financial officer Company Secretary

Schedule to the Balance Sheet of a Non-Deposit taking Non-Banking financial Company(as required in terms of paragraph 13 of Non-Banking financial (Non-Deposit Accepting or Holding) Companies Prudential Norms

(Reserve Bank) Directions, 2007) (Contd.)

(` in lakhs)

Market Value / Break up or fair value or NAV

Book Value(Net of Provisions)

(6) Investor group-wise classification of all investments (current and long term) in shares and securities (both quoted and unquoted):Please see note 3 below

Category

1 Related Parties **

(a) Subsidiaries - -

(b) Companies in the same group - -

(c) other related parties - -

2. other than related parties 33.70 37.07

Total 33.70 37.07

** As per Accounting Standard of ICAI (please see Note 3)

91

Balance Sheet Abstract and Company’s General Business Profile

i reGiSTrATioN DeTAiLS Registration no. : 0 6 6 2 3 State code : 0 9

Balance sheet date : 3 1 0 3 2 0 1 1

Date Month Year

ii. cAPiTAL rAiSeD DuriNG The yeAr (Amount in million)

Public issue : N I L Right issue : N I L

Bonus issue : 3 4 0 . 3 8 Private placement* : 1 5 2 . 9 8

iii. PoSiTioN oF MoBiLiSATioN AND DePLoyMeNT oF FuNDS (Amount in million)

Total liabilities : 7 5 7 7 9 . 6 7 Total assets : 7 5 7 7 9 . 6 7

Paid-up capital : 8 3 3 . 7 5 Reserves & surplus : 1 8 4 0 5 . 8 2

Secured loans : 4 3 7 2 3 . 0 7 Unsecured loans : 1 2 8 1 7 . 0 3

Application of Funds

Net fixed assets : 1 3 1 9 . 0 2 Investments : 4 0 3 . 2 0

Current assets : 1 1 6 1 1 . 2 0 Current liabilities : 1 1 2 6 . 3 4

Misc. expenditure : N I L Accumulated losses N I L

iv. PerForMANce oF coMPANy (Amount in million)

Total income : 1 1 8 1 5 . 2 6 Total expenditure : 7 5 7 6 . 3 0

Profit & loss before tax : 4 2 3 8 . 9 6 Profit & loss after tax : 2 8 2 6 . 6 4

earning per share in ` : 7 . 6 1 Dividend rate% : 3 0

v. GeNeric NAMeS oF Three PriNciPLe ProDucTS/Service oF coMPANy

Item code no. ( ITC ) : N I L

Product description : f I N A N C e

*The Company had allotted 59523809 equity shares of ` 2 each to Qualified Institutional Buyers on 18.11.2010 and allotted 3755120 equity

shares of ` 2 each by way of stock option to employees.


Cash flow Statement


Auditors’ Report


Branch Network


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SLNO STATE DISTRICT BRANCh NAME PhONE NO 1 Andhra Pradesh Adilabad Adilabad Ph : 08732 - 220729 / 324432 2 Andhra Pradesh Adilabad Bhainsa Ph : 08752 - 230550 / 09392073535 3 Andhra Pradesh Adilabad Kagaznagar Ph : 08738 - 235001 / 09391059825 4 Andhra Pradesh Adilabad Mancherial Ph : 08736 - 258994 / 321631 5 Andhra Pradesh Adilabad Nirmal Ph : 08734 - 242118 / 324208 6 Andhra Pradesh Anantapur Ananthapur RTC Bus Stand Ph : 08554 - 275722 / 327667 7 Andhra Pradesh Anantapur Ananthpur Raju Road Ph : 08554 - 274448 / 322969 8 Andhra Pradesh Anantapur Ananthpur (Subash Road) Ph : 08554 - 244388 / 324747 9 Andhra Pradesh Anantapur Bellary Road Ananthapur Ph : 08554 - 244385 / 327017 10 Andhra Pradesh Anantapur Dharmavaram Ph : 08559 - 220777 / 325650 11 Andhra Pradesh Anantapur Gooty Ph : 08552 - 250010 / 326565 12 Andhra Pradesh Anantapur Guntakal Ph : 08552 - 222187 / 325770 13 Andhra Pradesh Anantapur Hindupur Ph : 08556 - 221189 / 320938 14 Andhra Pradesh Anantapur Kadiri Ph : 08494 - 220334 / 9347740403 15 Andhra Pradesh Anantapur Kadiri Bypass Road Ph : 08494 - 220131 / 9390982286 16 Andhra Pradesh Anantapur Kalyan Durg Ph : 08497 - 220550 / 9393877505 17 Andhra Pradesh Anantapur R K Nagar Ananthapur Ph : 08554 - 276635 / 327023 18 Andhra Pradesh Anantapur Rayadurg Ph : 08495 - 251077 / 9346341436 19 Andhra Pradesh Anantapur Tadipatri Ph : 08558 - 224034 / 325596 20 Andhra Pradesh Anantapur Tadipatri Bus Stand Ph : 08558 - 225034 / 320444 21 Andhra Pradesh Anantapur Venugopal Nagar Ph : 08554 - 270048 / 327014 22 Andhra Pradesh Anantapur Market field Road Hindupur Ph : 08556-223172/32070723 Andhra Pradesh Chittoor Annamayya Center Ph : 0877 - 2242514 / 3204433 24 Andhra Pradesh Chittoor Avenue Road Madanapally Ph : 08571 - 220452 / 322022 25 Andhra Pradesh Chittoor Chittoor Ph : 08572 - 231716 / 320902 26 Andhra Pradesh Chittoor Greenpet Ph : 08572 - 242230 / 325649 27 Andhra Pradesh Chittoor Madanapally Ph : 08571 - 220050 / 323155 28 Andhra Pradesh Chittoor Nagari Street Srikalahasti Ph : 08578 - 222014 / 325557 29 Andhra Pradesh Chittoor Nellore Trunk Road Ph : 0861 - 2335766 / 3204979 30 Andhra Pradesh Chittoor Palamaner Ph : 08579 - 253101 / 321116 31 Andhra Pradesh Chittoor Puttur Ph : 08577 - 220137 / 325340 32 Andhra Pradesh Chittoor Thilak Road,Thirupathi Ph : 0877 - 2220450 / 3246633 33 Andhra Pradesh Chittoor Tirupathi Ph : 0877 - 2222357 / 3208990 34 Andhra Pradesh Chittoor Akarampalli Ph : 0877 - 2281055 / 3245586535 Andhra Pradesh Chittoor V Kota Chittor Ph : 08587- 256060/ 32148436 Andhra Pradesh Chittoor Punganuru Ph : 08581- 252939 / 32207237 Andhra Pradesh Chittoor Bp Agraharam Srikalahasti Ph : 08578- 230003/ 32554938 Andhra Pradesh Chittoor Nagari Ph : 08577- 234095/ 32533939 Andhra Pradesh Cuddapah old Bus Stand Cuddapah Ph : 08562 - 240236 / 329739 40 Andhra Pradesh east Godavari Amalapuram Ph : 08856 - 231617 / 325636 41 Andhra Pradesh east Godavari Ambajipeta Ph : 08856 - 244899 / 321822 42 Andhra Pradesh east Godavari APIIC-Kakinada Ph : 0884 - 2379892 / 3206900 43 Andhra Pradesh east Godavari Banugudi Junction Ph : 0884 - 2362276 / 3207357 44 Andhra Pradesh east Godavari Danavaipeta Ph : 0883 - 2441697 / 3208012 45 Andhra Pradesh east Godavari J.P Road,Rajamundry Ph : 0883 - 2462177 / 32473212 46 Andhra Pradesh east Godavari Jaganathapuram Ph : 0844 - 2374035 / 3205475 47 Andhra Pradesh east Godavari Konkapalli Ph : 08856 - 233646 / 321821 48 Andhra Pradesh east Godavari Korukonda Road-Rajahmundry Ph : 0883 - 2440396 / 3244702 49 Andhra Pradesh east Godavari Kothapeta Ph : 08855 - 244033 / 324927 50 Andhra Pradesh east Godavari Kottipally Ph : 0883 - 2460787 / 3208088 51 Andhra Pradesh east Godavari Mandapeta Ph : 08855 - 234284 / 326669 52 Andhra Pradesh east Godavari Peddapuram Ph : 08852 - 243331 / 325653 53 Andhra Pradesh east Godavari Rajahmundry (Devi Chowk) Ph : 0883 - 2473212 / 3243732 54 Andhra Pradesh east Godavari Ramachandrapuram Ph : 08857 - 243533 / 325170 55 Andhra Pradesh east Godavari Ravulapalem Ph : 08855 - 256550 / 324926 56 Andhra Pradesh east Godavari Razole Ph : 08862 - 220244 / 321204 57 Andhra Pradesh east Godavari Samarlakota Ph : 0884 - 2327535 / 3206800 58 Andhra Pradesh east Godavari Suryaraopeta, Kakinada Ph : 0884 - 2374035 / 3206925 59 Andhra Pradesh east Godavari Temple Street-Kakinada Ph : 0884 - 2379891 / 32006643 60 Andhra Pradesh east Godavari Thadithota Ph : 0883 - 2445329 / 3208013 61 Andhra Pradesh east Godavari Tuni Ph : 08854 - 256692 / 325354 62 Andhra Pradesh east Godavari V.L. Puram Ph : 0883 - 2460173 / 3208060 63 Andhra Pradesh Guntur Arundal Pet Ph : 0863 - 2263265 / 3203832 64 Andhra Pradesh Guntur Bapatla Ph : 08643 - 220508 / 324686 65 Andhra Pradesh Guntur Cherkupally Ph : 08648 - 246036 / 324756 66 Andhra Pradesh Guntur Chilakaluripeta Ph : 08647 - 259444 / 322728 67 Andhra Pradesh Guntur Guntur Ph : 0863 - 2262522 / 3201131 68 Andhra Pradesh Guntur Guntur Kothapet Ph : 0863 - 2272143 / 3243571 69 Andhrapradesh Guntur Guntur Two Town Ph : 0863 - 2263263 / 3201434 70 Andhra Pradesh Guntur Kannavari Thota Guntur Ph : 0863 - 2263163 / 3243556 71 Andhra Pradesh Guntur KB Road, Chilakaluripeta Ph : 08647 - 251207 / 8552320455 72 Andhra Pradesh Guntur Mangalgiri Guntur Ph : 08645 - 231025 / 320982 73 Andhra Pradesh Guntur Narosaravupetta Ph : 08647 - 222517 / 325701 74 Andhra Pradesh Guntur Piduguralla Ph : 08649 - 252750 / Nil 75 Andhra Pradesh Guntur Ponnuru Ph : 08643 - 243497 / 324222

93

76 Andhra Pradesh Guntur Repalle Ph : 08648 - 222337 / 324748 77 Andhra Pradesh Guntur Thenali Ph : 08644 - 221200 / 325625 78 Andhra Pradesh Guntur Vinukonda Ph : 08646 - 274245 / 9396694099 79 Andhra Pradesh Guntur old Pattabhipuram Ph : 0863- 2210771/ 324356280 Andhra Pradesh Guntur Rama Building Center Ph : 0863- 2210018/ 324356381 Andhra Pradesh Kadapa Apsara Circle Ph : 08562 - 278765 / 329538 82 Andhra Pradesh Kadapa Kottreddy Circle Cudapah Ph : 08562 - 222321 / 329011 83 Andhra Pradesh Kadapa Krishna Circle Ph : 08562 - 244740 / 329236 84 Andhra Pradesh Kadapa Rajampet Ph : 08565 - 241959 / 9347135533 85 Andhra Pradesh Karimnagar Armur Ph : 08463 - 223080 / 324900 86 Andhra Pradesh Karimnagar Court Area Karimnagar Ph : 0878 - 2222177 / 3203395 87 Andhra Pradesh Karimnagar Godhavarikhani Ph : 08728 - 242031 / 323558 88 Andhra Pradesh Karimnagar Husnabad Ph : 0872 - 255344 / 321020 89 Andhra Pradesh Karimnagar Husnabad Bus Stand Ph : 08721 - 255102 / 320010 90 Andhra Pradesh Karimnagar Huzhrabad Ph : 08727 - 250026 / 324727 91 Andhra Pradesh Karimnagar Jagtial Ph : 08724 - 226877 / 326200 92 Andhra Pradesh Karimnagar Jammikunta Ph : 08727 - 253572 / 324442 93 Andhra Pradesh Karimnagar Jewellers Street Ph : 0878 - 2233979 / 3203395 94 Andhra Pradesh Karimnagar Karimnagar Ph : 0878 - 2234644 / 3200029 95 Andhra Pradesh Karimnagar Karimnagar Gandhi Road Ph : 0878 - 2230396 / 3203420 96 Andhra Pradesh Karimnagar Koratla Ph : 08725 - 252877 / 320818 97 Andhra Pradesh Karimnagar Kothi Rampur Ph : 0878 - 2277550 / 3206097 98 Andhra Pradesh Karimnagar Mankammathotta Ph : 0878 - 2233664 / 3203739 99 Andhra Pradesh Karimnagar Manthany Ph : 08729 - 278729 / 9391784813 100 Andhra Pradesh Karimnagar Metpalli Ph : 08725 - 225758 / 324292 101 Andhra Pradesh Karimnagar Ramagundam-NTPC Ph : 08728 - 271251 / 324994 102 Andhra Pradesh Karimnagar Sircilla Ph : 08723 - 233134 / 326600 103 Andhra Pradesh Karimnagar Peddapally,Karim Nagar Ph : 08728- 221044/ 323839104 Andhra Pradesh Khammam Aswaraopet Ph : 08740 - 255477 / 9347627936 105 Andhra Pradesh Khammam BCM Road Kothagudem Ph : 08744 - 245560 / 326009 106 Andhra Pradesh Khammam Gandhi Chowk Khammam Ph : 08742 - 237123 / Nil 107 Andhra Pradesh Khammam Kothagudam Ph : 08744 - 242439 / 322762 108 Andhra Pradesh Khammam Kothagudem Post office Ph : 08744 - 242436 / 322710 109 Andhra Pradesh Khammam Madhira Ph : 08749 - 272231 / 320270 110 Andhra Pradesh Khammam Manuguru Ph : 08746 - 220990 / Nil 111 Andhra Pradesh Khammam Palvancha Ph : 08744 - 252294 / 322661 112 Andhra Pradesh Khammam Sathupally Ph : 08761 - 282789 / Nil 113 Andhra Pradesh Khammam Satyanarayanapuram Ph : 0866 - 2534277 / 3201197 114 Andhra Pradesh Khammam Yellandu Ph : 08745 - 255255 / 322001 115 Andhra Pradesh Khammam Vinodmahal Center Khammam Ph : 08742 - 222982/ 322610116 Andhra Pradesh Krishna 100 feet Road-Autonagar Ph : 0866 - 2544276 / 3200787 117 Andhra Pradesh Krishna Auto Nagar Ph : 0866 - 2554909 / 3200787 118 Andhra Pradesh Krishna Avanigadda Ph : 08671 - 272886 / 321969 119 Andhra Pradesh Krishna BeNZCIRCLe Ph : 0866 - 2471787 / 3202101 120 Andhra Pradesh Krishna Bhavanipuram Ph : 0866 - 2418922 / 3244381 121 Andhra Pradesh Krishna Chittinagar Ph : 0866 - 2511505 / 3201189 122 Andhra Pradesh Krishna Governerpet eluru Ph : 0866 - 2577173 / 3209809 123 Andhra Pradesh Krishna Governorpet Ph : 0866 - 2574007 / 3200785 124 Andhra Pradesh Krishna Governorpet Center Ph : 0866 - 2578166 / 3245066 125 Andhra Pradesh Krishna Gudivada Ph : 08674 - 244945 / 320487 126 Andhra Pradesh Krishna Gunadala Centre Ph : 0866 - 2453387 / 3244510 127 Andhra Pradesh Krishna Islampeta Ph : 0866 - 2561677 / 3205617 128 Andhra Pradesh Krishna Jaggayypeta Ph : 08654 - 224200 / 325412 129 Andhra Pradesh Krishna Kankipadu Ph : 0866 - 2822220 / 3244952 130 Andhra Pradesh Krishna Kothavanthena Centre Ph : 0866 - 2436255 / 3244360 131 Andhrapradesh Krishna Machavaram Ph : 0866 - 2433944 / 3252262 132 Andhra Pradesh Krishna Machavaram Centre Ph : 0866 - 2433944 / 3207076 133 Andhra Pradesh Krishna Machilipatnam Ph : 08672 - 231233 / 329000 134 Andhra Pradesh Krishna Mogalarajapuram Ph : 0866 - 2486155 / 3205919 135 Andhra Pradesh Krishna Nagayalanka Ph : 08671 - 274649 / Nil 136 Andhra Pradesh Krishna Nandigam,Krishna Ph : 08678 - 275066 / 320465 137 Andhra Pradesh Krishna Nuzvid Ph : 08656 - 235842 / 320800 138 Andhra Pradesh Krishna one Town Ph : 0866 - 2566266 / 3200544 139 Andhra Pradesh Krishna Pancha Centre Ph : 0866 - 2566465 / 3200404 140 Andhra Pradesh Krishna Patamata Centre Ph : 0866 - 2496255 / 3205614 141 Andhra Pradesh Krishna Pedana Ph : 08672 - 248009 / 320997 142 Andhra Pradesh Krishna Pushpahotel Centre-Vijayawada Ph : 0866 - 2439166 / 3252228 143 Andhra Pradesh Krishna Ramavarpadu Centre Ph : 0866 - 2841366 / 3194442 144 Andhra Pradesh Krishna Tanuku Ph : 08819 - 227791 / 322559 145 Andhra Pradesh Krishna Tiruvuru Ph : 08673 - 253707 / 320739 146 Andhra Pradesh Krishna Veternary Colony Ph : 0866 - 2455122 / 3252500 147 Andhra Pradesh Krishna Visannapet Ph : 08673 - 272644 / 320740 148 Andhra Pradesh Kurnool Ananthapur Clock Tower Ph : 08554 - 244387 / 322969 149 Andhra Pradesh Kurnool Bypass Road, Nandyala Ph : 08514 - 241551 / 322504 150 Andhra Pradesh Kurnool Kurnool Ph : 08518 - 223337 / 313933

SLNO STATE DISTRICT BRANCh NAME PhONE NO


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151 Andhra Pradesh Kurnool New Bus Stand,Kurnul Ph : 08518 - 257484 / 329938 152 Andhra Pradesh Kurnool NGR Colony Ph : 08518 - Nil / 316490 153 Andhra Pradesh Medak Medak Ph : 08452 - 220999 / 321973 154 Andhra Pradesh Medak Sangareddy Ph : 08455 - 275587 / 321535 155 Andhra Pradesh Medak Siddipet Ph : 08457 - 220004 / 321711 156 Andhra Pradesh Medak Zahirabad Ph : 08451 - 275025 / 320999 157 Andhra Pradesh Mehboobnagar Achampet Ph : 08541 - 272090 / 9393928199 158 Andhra Pradesh Mehboobnagar Bheem Nagar Gadwal Ph : 08546 - 272688 / 321625 159 Andhra Pradesh Mehboobnagar Chakripuram X Road Ph : 040 - Nil / 31003267 160 Andhra Pradesh Mehboobnagar Clock Tower Mahbubnagar Ph : 08542 - 241210 / 320999 161 Andhra Pradesh Mehboobnagar Hanuman Nagar Ph : 08542 - 275175 / 327282 162 Andhra Pradesh Mehboobnagar Nagar Kurnool Ph : 08540 - 230299 / 9347627935 163 Andhra Pradesh Mehboobnagar Padmavathi Colony Ph : 08542 - 270025 / 327281 164 Andhra Pradesh Nalgonda Bhongir Ph : 08685 - 242236 / 321944 165 Andhra Pradesh Nalgonda Clock Tower Nalgonda Ph : 08682 - 220131 / 323014 166 Andhra Pradesh Nalgonda M.G. Road Suryapet Ph : 08684 - 220100 / 326710 167 Andhra Pradesh Nalgonda Nalgonta Ph : 08682 - 230066 / 323008 168 Andhra Pradesh Nalgonda Prakasham Bazar Ph : 08682 - 230232 / 324442 169 Andhra Pradesh Nalgonda Ramgiri Ph : 08682 - 224020 / 323020 170 Andhra Pradesh Nalgonda Suryapet Ph : 08684 - 223281 / 325900 171 Andhra Pradesh Nalgonda Tathanagar Bhongir Ph : 08685 - 242238 / 324333 172 Andhra Pradesh Nellore Kavali Ph : 08626 - 240488 / 324878 173 Andhra Pradesh Nellore Naidupeta Ph : 08623 - 247067 / 326081 174 Andhra Pradesh Nellore Nellore Ph : 0861 - 2300296 / 3205312 175 Andhra Pradesh Nellore Subedarpet Nellore Ph : 0861 - 2347771 / 3206022 176 Andhra Pradesh Nellore Sullurpeta Ph : 08623 - 234234 / 326082 177 Andhra Pradesh Nellore Vedaipallem Ph : 0861 - 2330084 / 3205341 178 Andhra Pradesh Nellore Dargamitta Ph : 0861- 2330083/ 3205342179 Andhra Pradesh Nizamabad Bodhan Ph : 08467 - 220230 / 326043 180 Andhra Pradesh Nizamabad Kamareddy Ph : 08468 - 222777 / 329060 181 Andhra Pradesh Nizamabad Malapally Ph : 08462 - 232666 / 310495 182 Andhra Pradesh Nizamabad Nizamabad Ph : 08462 - 231515 / 310492 183 Andhra Pradesh Nizamabad Rashtrapathy Road Ph : 08462 - 231666 / 327222 184 Andhra Pradesh Prakasam Chirala Ph : 08594 - 239988 / 326780 185 Andhra Pradesh Prakasam Kandukuru Ph : 08598 - 221400 / 320961 186 Andhra Pradesh Prakasam Kanigiri Ph : 08402 - 272227 / 9390479761 187 Andhra Pradesh Prakasam ongole Ph : 08592 - 227447 / 324445 188 Andhra Pradesh Prakasam ongole Court Road Ph : 08592 - 281311 / 322690 189 Andhra Pradesh Prakasam Perala Ph : 08594 - 220088 / 322404 190 Andhra Pradesh Prakasam Podili Ph : 08499 - 242144 / 9390893904 191 Andhra Pradesh Prakasam Singarayakonda Ph : 08598 - 236610 / 320960 192 Andhra Pradesh Rangareddy A.S. Rao Nagar Ph : 040 - 27120580 / 32210310 193 Andhra Pradesh Rangareddy Abids Ph : 040 - 23200649 / 32951820 194 Andhra Pradesh Rangareddy Abids Gunfoundry Ph : 040 - 23230178 / 32210054 195 Andhra Pradesh Rangareddy Adikmet Road Ph : 040 - 27600255 / 32210592 196 Andhra Pradesh Rangareddy Afsal Gung Ph : 040 - 24730070 / 32570625 197 Andhra Pradesh Rangareddy Alampally Road Ph : 08416 - 252313 / 322403 198 Andhra Pradesh Rangareddy Alwal Ph : 040 - 27940067 / 32581127 199 Andhra Pradesh Rangareddy Amberpet Ph : 040 - 27403378 / 32577853 200 Andhra Pradesh Rangareddy Amberpet Junction-Hyderabad Ph : 040 - 27563061 / 31003061 201 Andhra Pradesh Rangareddy Ameerpet Balkampet Road Ph : 040 - 23701255 / 32210113 202 Andhra Pradesh Rangareddy Ameerpet Centre Ph : 040 - 23730484 / 32210112 203 Andhra Pradesh Rangareddy Anand Bag Ph : 040 - 27240073 / 32210021 204 Andhra Pradesh Rangareddy Anandhbagh Cross Road Ph : 040 - 27242899 / 31002912 205 Andhra Pradesh Rangareddy Ashok Nagar Ph : 040 - 27600047 / 32210031 206 Andhrapradesh Rangareddy Attapur Ph : 040 - 24002550 / 32480044 207 Andhra Pradesh Rangareddy Attapur Center Ph : 040 - 24002550 / 32480044 208 Andhra Pradesh Rangareddy B N Reddy Nagar Ph : 040 - 24242479 / 31003042 209 Andhra Pradesh Rangareddy B R Reddy Nagar Colony Ph : 040 - Nil / 31003059 210 Andhra Pradesh Rangareddy Badepalli Ph : 08542 - 235550 / 327266 211 Andhra Pradesh Rangareddy Bala Nagar Ph : 040 - 23872201 / Nil 212 Andhra Pradesh Rangareddy Bala Nagar X Road Ph : 040 - 23770687 / 32570414 213 Andhra Pradesh Rangareddy Balkampet Hyderabad Ph : 040 - 23701360 / 32592401 214 Andhra Pradesh Rangareddy Bandlaguda Ph : 040 - 24443300 / 32577746 215 Andhra Pradesh Rangareddy Banjara Hills Ph : 040 - 23387439 / 32580890 216 Andhra Pradesh Rangareddy Bapuji Nagar Ph : 040 - 27750553 / 32210841 217 Andhra Pradesh Rangareddy Barkatpura Ph : 040 - 27550267 / 32210107 218 Andhra Pradesh Rangareddy Bazarghat Ph : 040 - 2323666 / 32216155 219 Andhra Pradesh Rangareddy Begum Bazar Ph : 040 - 24608991 / 31000977 220 Andhra Pradesh Rangareddy Bhadurapura Ph : 040 - 24473313 / 32577251 221 Andhra Pradesh Rangareddy Bibi Bazar Ph : 040 - 24521162 / 32595300 222 Andhra Pradesh Rangareddy Borabanda Ph : 040 - 23844080 / 32577298 223 Andhra Pradesh Rangareddy Budhanagar Uppal Ph : 040 - 27200381 / 32210087 224 Andhra Pradesh Rangareddy Champapet Ph : 040 - Nil / 32211174 225 Andhra Pradesh Rangareddy Chandha Nagar Ph : 040 - 23030660 / Nil


95

226 Andhra Pradesh Rangareddy Chandrayangutta Ph : 040 - 20022021 / 32210315 227 Andhra Pradesh Rangareddy Charminar Ph : 040 - 24500017 / 32210109 228 Andhra Pradesh Rangareddy Chatta Bazar Ph : 040 - 24416061 / 31003063 229 Andhra Pradesh Rangareddy Chilakalaguda Ph : 040 - 27503003 / 32592800 230 Andhra Pradesh Rangareddy Chindal Ph : 040 - 23080798 / 32577640 231 Andhra Pradesh Rangareddy Clock Tower Ph : 040 - 27710079 / 32210110 232 Andhra Pradesh Rangareddy Diamond Point SikhRoad Ph : 040 - Nil / 32211104 233 Andhra Pradesh Rangareddy Dilsukhnagar Ph : 040 - 24050369 / 32996881 234 Andhra Pradesh Rangareddy falaknuma Ph : 040 - 24380082 / 32210413 235 Andhra Pradesh Rangareddy ferozguda Ph : 040 - 23770478 / 32210586 236 Andhra Pradesh Rangareddy Gaythri Nagar X Road Ph : 040 - 24098799 / 32593813 237 Andhra Pradesh Rangareddy Ghatkesar Ph : 08415 - 224888 / 325744 238 Andhra Pradesh Rangareddy Gosh Mahal Centre Ph : 040 - 24653575 / 31003067 239 Andhra Pradesh Rangareddy Gowliguda Chaman Ph : 040 - 24730039 / 32210412 240 Andhra Pradesh Rangareddy Habsiguda Cross Road Ph : 040 - 27175889 / 31000976 241 Andhra Pradesh Rangareddy Hasmathpet Ph : 040 - 27951131 / 31000965 242 Andhra Pradesh Rangareddy Hastinapur Ph : 040 - 24244099 / 32594300 243 Andhra Pradesh Rangareddy Himayathnagar Ph : 040 - 27600254 / 32210215 244 Andhra Pradesh Rangareddy HMT Nagar Nacharam Ph : 040 - 27177118 / 32598407 245 Andhra Pradesh Rangareddy Hyder Nagar Ph : 040 - 42603454 / 31003102 246 Andhra Pradesh Rangareddy Indira Nagar Ph : 040 - 24111766 / 32211106 247 Andhra Pradesh Rangareddy Jawahar Nagar Hyderabad Ph : 040 - 27607666 / 31002937 248 Andhra Pradesh Rangareddy Kachiguda Ph : 040 - 27560070 / 32210312 249 Andhra Pradesh Rangareddy Kamala Nagar Ph : 040 - 27134968 / 32944605 250 Andhra Pradesh Rangareddy Karkhana Ph : 040 - Nil / 32210060 251 Andhra Pradesh Rangareddy Katadhan Ph : 040 - 24363775 / 31003020 252 Andhra Pradesh Rangareddy Kavadiguda Ph : 040 - 27543999 / 32218399 253 Andhra Pradesh Rangareddy Keesara Ph : 08418 - 285007 / 326928 254 Andhra Pradesh Rangareddy Khairadabad Ph : 040 - 23321179 / 32434340 255 Andhra Pradesh Rangareddy Khairathabad Center Ph : 040 - 42300906 / 3240034 256 Andhra Pradesh Rangareddy Kishanbagh Ph : 040 - 24470040 / 32560843 257 Andhra Pradesh Rangareddy Kothapet Ph : 040 - 24038483 / 40100794 258 Andhra Pradesh Rangareddy Koti Ph : 040 - 24600073 / 32210411 259 Andhra Pradesh Rangareddy Kukatpally Ph : 040 - 23051170 / 32975253 260 Andhra Pradesh Rangareddy Kukkatpally Centre Ph : 040 - 23060571 / 32210005 261 Andhra Pradesh Rangareddy Kushaiguda Ph : 040 - 27120111 / 31002942 262 Andhra Pradesh Rangareddy L.B. Nagar Ph : 040 - 24030291 / 31002967 263 Andhra Pradesh Rangareddy L.B. Nagar RTC Colony Ph : 040 - 24031289 / 32210034 264 Andhra Pradesh Rangareddy Lalbazar Ph : 040 - 23140127 / 32583022 / 42615256 265 Andhra Pradesh Rangareddy Langer House Ph : 040 - 23510181 / 32210023 266 Andhra Pradesh Rangareddy Mahaboobnagar New Town Ph : 08542 - 243635 / 327283 267 Andhra Pradesh Rangareddy Mahbubnagar Ph : 08542 - 221911 / 327286 268 Andhra Pradesh Rangareddy Malakpet Ph : 040 - 24551063 / 32578235 269 Andhra Pradesh Rangareddy Malkajigiri Ph : 040 - 27052439 / 32002041 270 Andhra Pradesh Rangareddy Mallapur Ph : 040 - 27150211 / 32210219 271 Andhra Pradesh Rangareddy Marredpally Ph : 040 - Nil / 32577358 / 40130857 272 Andhra Pradesh Rangareddy Medipattanam Ph : 040 - 20030049 / 32570602 273 Andhra Pradesh Rangareddy Meerbag Colony Ph : 08682 - 220169 / 323013 274 Andhra Pradesh Rangareddy Mettuguda Ph : 040 - 27829006 / 32210063 275 Andhra Pradesh Rangareddy Mirjalguda Ph : 040 - 27058982 / 31000968 276 Andhra Pradesh Rangareddy Moghal Nagar Ph : 040 - 23522007 / 32581718 277 Andhra Pradesh Rangareddy Moula Ali Ph : 040 - Nil / 32588667 278 Andhra Pradesh Rangareddy Moulaali HB Colony Ph : 040 - 27133576 / 32214233 279 Andhra Pradesh Rangareddy Musharabad Ph : 040 - 27675676 / 32951803 280 Andhra Pradesh Rangareddy N G o Colony Vanasthalipuram Ph : 040 - 24243099 / 31002918 281 Andhrapradesh Rangareddy Nacharam Ph : 040 - 27170012 / 32210003 282 Andhra Pradesh Rangareddy Nagole Ph : 040 - 24145116 / 32210121 283 Andhra Pradesh Rangareddy Nallakunta Ph : 040 - Nil / 31000972 284 Andhra Pradesh Rangareddy Narayanaguda Ph : 040 - 27565757 / 32211030 285 Andhra Pradesh Rangareddy Neredmet Ph : 040 - 27110090 / 32210024 286 Andhra Pradesh Rangareddy New Bownpalli Ph : 040 - 27752036 / 32578026 287 Andhra Pradesh Rangareddy New Malakpet Ph : 040 - 24510172 / 32210080 288 Andhra Pradesh Rangareddy Nirmal Nagar, Karmanghat Ph : 040 - 24090021 / 31003189 289 Andhra Pradesh Rangareddy Padmarao Nagar Ph : 040 - 27500298 / 32210046 290 Andhra Pradesh Rangareddy Patencheru Ph : 08455 - 245968 / 08452 - 324320 291 Andhra Pradesh Rangareddy Picket Ph : 040 - 32210590 / 40122529 292 Andhra Pradesh Rangareddy Ram Nagar Ph : 040 - 26772065 / 32588323 293 Andhra Pradesh Rangareddy Ramachandrapuram Hyderabad Ph : 040 - Nil / 31002933 294 Andhra Pradesh Rangareddy Ramanathapur Ph : 040 - 27034131 / 32577120 295 Andhra Pradesh Rangareddy Ratibowli Ph : 040 - 23519905 / 32570602 296 Andhra Pradesh Rangareddy S R Nagar Ph : 040 - 23700931 / 32210130 297 Andhra Pradesh Rangareddy Safal Guda Ph : 040 - 27223201 / 32577595 298 Andhra Pradesh Rangareddy Saidabad Ph : 040 - 24537229 / 32211141 299 Andhra Pradesh Rangareddy Santhosh Nagar Ph : 040 - 24330021 / 31003268



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300 Andhra Pradesh Rangareddy Secondarabad Subash Road Ph : 040 - 27700962 / 32571262 301 Andhra Pradesh Rangareddy Secunderabad Ph : 040 - 27890203 / 32968010 302 Andhra Pradesh Rangareddy Secunderabad Railway Station Ph : 040 - 27712431 / 32210313 303 Andhra Pradesh Rangareddy Shah Ali Banda Ph : 040 - 24560277 / 32210936 304 Andhra Pradesh Rangareddy Shivram Palli Ph : 040 - Nil / 32595408 305 Andhra Pradesh Rangareddy Srikrishna Nagar Ph : 040 - 23549934 / 31003122 306 Andhra Pradesh Rangareddy Tard Bund Hyderabad Ph : 040 - 27759913 / 31003052 307 Andhra Pradesh Rangareddy Thilaknagar Hyderabad Ph : 040 - 27650006 / 32210052 308 Andhra Pradesh Rangareddy Tolichowki Ph : 040 - 23560487 / 31003066 309 Andhra Pradesh Rangareddy Tolichowki-Hyderabad Ph : 040 - 23560022 / 32577613 310 Andhra Pradesh Rangareddy Uppal Ph : 040 - 27201590 / 32002040 311 Andhra Pradesh Rangareddy Uppal Ring Road Ph : 040 - 27209993 / 32211165 312 Andhra Pradesh Rangareddy Vanasthalipuram Ph : 040 - 24020327 / 32210048 313 Andhra Pradesh Rangareddy Vidyanagar Ph : 040 - 27400237 / 32210053 314 Andhra Pradesh Rangareddy Vijayanagar-Colony Ph : 040 - Nil / 31003058 315 Andhra Pradesh Rangareddy Vikarbad Ph : 08416 - 252137 / 321262 316 Andhra Pradesh Rangareddy Warasiguda Ph : 040 - 27504301 / 32580922 317 Andhra Pradesh Rangareddy Yousufguda Ph : 040 - 23740218 / 32210309 318 Andhra Pradesh Rangareddy Santhoshnagar-Hyderabad Ph : 040 - 24532066 / 32583011319 Andhra Pradesh Rangareddy Balapur X Road Ph : 08415 - 245017 / 040 - 31003273320 Andhra Pradesh Srikakulam Amudalavalasa Ph : 08942 - 286089 / Nil 321 Andhra Pradesh Srikakulam Day and Night Junction Ph : 08942 - 222503 / 324912 322 Andhra Pradesh Srikakulam Ichapuram Ph : 08947 - 232353 / 08922 - 322016 323 Andhra Pradesh Srikakulam Srikakulam GT Road Ph : 08942 - 222502 / 324857 324 Andhra Pradesh Srikakulam Srikakulam old Bus Stand Ph : 08942 - 222504 / 324913 325 Andhra Pradesh Srikakulam Thekkali Ph : 08945 - 244022 / 325790 326 Andhra Pradesh Vijayanagaram Bobbili Ph : 08944 - 254535 / 322532 327 Andhra Pradesh Vijayanagaram Kota Centre Ph : 08922 - 234477 / 326564 328 Andhra Pradesh Vijayanagaram Ramabadhrapuram Ph : 08964 - 250623 / 9393928198 329 Andhra Pradesh Vijayanagaram Salur Ph : 08964 - 252187 / 9393702773 330 Andhra Pradesh Vijayanagaram Vijayanagaram Ph : 08922 - 235577 / 322030 331 Andhra Pradesh Vishakapatnam Aganampudi Ph : 0891 - 2549545 / 3260813 332 Andhra Pradesh Vishakapatnam Akkayapalam Visakhapatnam Ph : 0891 - 2790925 / 3249370 333 Andhra Pradesh Vishakapatnam Anakapalle Ph : 08924 - 225422 / 324677 334 Andhra Pradesh Vishakapatnam Arilova Ph : 0891 - 2720388 / 3208419 335 Andhra Pradesh Vishakapatnam Atchutapuram Ph : 08924 - 253655 / 326606 336 Andhra Pradesh Vishakapatnam Bheemunipatnam Ph : 08933 - 229890 / 320815 337 Andhra Pradesh Vishakapatnam Chodavaram Ph : 08934 - 245278 / 321705 338 Andhra Pradesh Vishakapatnam Dhabagarden Ph : 0891 - 2591101 / 3208033 339 Andhra Pradesh Vishakapatnam Dwarakanagar Ph : 0891 - 2798599 / 3249440 340 Andhra Pradesh Vishakapatnam Gajuwaka Ph : 0891 - 2543505 / 3267683 341 Andhra Pradesh Vishakapatnam Gopalapatnam Ph : 0891 - 2734130 / 3207898 342 Andhra Pradesh Vishakapatnam H B Colony Ph : 0891 - 2794260 / 3260696 343 Andhra Pradesh Vishakapatnam Isukathota Ph : 0891 - 2567317 / 3243894 344 Andhra Pradesh Vishakapatnam Kancharapalem Ph : 0891 - 2733166/ 3205319 345 Andhra Pradesh Vishakapatnam Kurmanapalem Ph : 0891 - 2753627 / 3249410 346 Andhra Pradesh Vishakapatnam Madhilipalam Road NAD Ph : 0891 - 2575691 / 3247592 347 Andhra Pradesh Vishakapatnam Madhuravada Ph : 0891 - 2558965 / 3260966 348 Andhra Pradesh Vishakapatnam Maripalam Road NAD Ph : 0891 - 2517432 / 3207335 349 Andhra Pradesh Vishakapatnam Mayuri Junction Ph : 08922 - 235477 / 322025 350 Andhra Pradesh Vishakapatnam Muralinagar Ph : 0891 - 2723439 / 3208183 351 Andhra Pradesh Vishakapatnam Narasipatnam Ph : 08932 - 224437 / 322307 352 Andhra Pradesh Vishakapatnam Poorna Market Ph : 0891 - 2713437 / 3268486 353 Andhra Pradesh Vishakapatnam Rajam Ph : 08941 - 251956 / 321814 354 Andhra Pradesh Vishakapatnam Ramnagar Vishakapatnam Ph : 0891 - 3249380 / 6638354 355 Andhrapradesh Vishakapatnam Vizag Ph : 0891 - 2529876 / 3209660 356 Andhra Pradesh Vishakapatnam Vuyyuru Ph : 08676 - 233343 / 325663 357 Andhra Pradesh Vishakapatnam S Kota Ph : 08966-276044/320276358 Andhra Pradesh Vizianagaram M.G. Road Vijayanagaram Ph : 08922 - 230189 / 322791 359 Andhra Pradesh Vizianagaram Nellimarla Ph : 0922 - 244000 / 322790 360 Andhra Pradesh Warangal Desaipet Road Warangal Ph : 0870 - 2420733 / 3202933 361 Andhra Pradesh Warangal Hanamkonda Ph : 0870 - 2455740 / 3202888 362 Andhra Pradesh Warangal Hanamkonda Bus Stand Ph : 0870 - 2449050 / 3264333 363 Andhra Pradesh Warangal Janagaon Ph : 08716 - 220056 / 322091 364 Andhra Pradesh Warangal JPN Road Warangal Ph : 0870 - 2421048 / 3269239 365 Andhra Pradesh Warangal Kashibugga Ph : 0870 - 2444428 / 3299615 366 Andhra Pradesh Warangal Kazipet Ph : 0870 - 2566631 / 3299610 367 Andhra Pradesh Warangal Mahabubabad Ph : 08719 - 240141 / 327166 368 Andhra Pradesh Warangal Naim Nagar Branch Ph : 0870 - 2570656 / 3299619 369 Andhra Pradesh Warangal Narasampet Ph : 08718 - 230344/ 321985 370 Andhra Pradesh Warangal Parkal Ph : 08713 - 240066 / 9393989918 371 Andhra Pradesh Warangal S V N Road Warangal Ph : 0870 - 2421788 / 3250001 372 Andhra Pradesh Warangal Subedari Warrangal Ph : 0870 - 2455742 / 3202909 373 Andhra Pradesh Warangal Torrur Ph : 08719 - 230280 / 327165



97

374 Andhra Pradesh Warangal Warangal Ph : 0870 - 2420156 / 3250001 375 Andhra Pradesh Warangal Wyra Road, Khammam Ph : 08742 - 222983 / 314113 376 Andhra Pradesh West Godavari Akiveedu Ph : 08813 - 252520 / 08816 - 322524 377 Andhra Pradesh West Godavari Bhimavaram J P Road Ph : 08816 - Nil / 322522 378 Andhra Pradesh West Godavari Bhimavaram PP Road Ph : 08816 - 237417 / 322735 379 Andhra Pradesh West Godavari eluru Ph : 08812 - 227472 / 320507 380 Andhra Pradesh West Godavari eluru R R Pet Ph : 08812 - 244468 / 322015 381 Andhra Pradesh West Godavari Hanuman Junction Ph : 08656 - 242223 / 320711 382 Andhra Pradesh West Godavari Jangareddy Gudem Ph : 08821- 223365 / 326034 383 Andhra Pradesh West Godavari Narsapuram Ph : 08814 - 276650 / 322174 384 Andhra Pradesh West Godavari Nidadavole Ph : 08813 - 223500 / 324878 385 Andhra Pradesh West Godavari Palakollu Ph : 08814 - 228558 / 322167 386 Andhra Pradesh West Godavari Tadepalligudem Ph : 08818 - 229900 / 324211 387 Bihar Patna Boring Road Patna Ph : 0612 - Nil / 3211620 388 Chattisgarh Bilasppur Bus Stand, Bilaspur Ph : 07752 - Nil / 321272 389 Chattisgarh Bilasppur Sarkanda Ph : 07752 - Nil / 321274 390 Chattisgarh Bilasppur Vyapar Vihar Ph : 07752 - Nil / 327742 391 Chattisgarh Durg Chouhan estate Ph : 0788 - Nil / 3224876 392 Chattisgarh Durg Gurudwara Station Road Ph : 0788 - 3221049 / 4011681 393 Chattisgarh Durg Maharaja Chowk Ph : 0788 - 2344115 / 3220683 394 Chattisgarh Durg Malviya Nagar Square Ph : 0788 - Nil / 3204280 395 Chattisgarh Durg Santrabadi Ph : 0788 - Nil / 3221050 396 Chattisgarh Durg Smithi Nagar, Bhilai Ph : 0788 - 2290368 / 3226452 397 Chattisgarh Korba Niharika Talkies Ph : 07759 - 221156 / 320047 398 Chattisgarh Korba Power House Road Ph : 07759 - 221155 / 320041 399 Chattisgarh Korba Transport Nagar Ph : 07759 - 245031 / 320038 400 Chattisgarh Raigarh Ramnivas Talkies Road Ph : 07762 - 220108 / 321501 401 Chattisgarh Raipur Badaipara Ph : 0771 - 2539940 / 3260318 402 Chattisgarh Raipur Banpuri Ph : 0771 - Nil / 3260181 403 Chattisgarh Raipur Pandri Ph : 0771 - 2582875 / 3260317 404 Daman And Diu Daman Daman Ph : 0260 - 2260005 / 3269939 405 Delhi Delhi Chenna Market Ph : 011 - 25812134 / 32212210 406 Delhi Delhi Dabri Road Ph : 011 - 25390912 / 32220523 407 Delhi Delhi Dilshad Colony Ph : 011 - 22352050 / 32311277 408 Delhi Delhi Durgapuri Chowk Delhi Ph : 011 - 22821561 / 32995715 409 Delhi Delhi Dwaraka Sector-7 Ph : 011 - 31901819 / 45725780 410 Delhi Delhi Geetha Colony Ph : 011 - 22420292 / 32210510 411 Delhi Delhi Govindpuri Ph : 011 - 26429608 / 32220142 412 Delhi Delhi Guru Angad Nagar Ph : 011 - 22523002 / 32033626 413 Delhi Delhi Hari Nagar Ph : 011 - 25133657 / 32211955 414 Delhi Delhi Inderpuri Ph : 011 - 25832572 / 32220928 415 Delhi Delhi Indra Park Ph : 011 - 25051884 / 32220177 416 Delhi Delhi Jagatpuri Ph : 011 - 22437587 / Nil 417 Delhi Delhi Janakpuri Ph : 011 - 25617007 / 32435012 418 Delhi Delhi Janakpuri D Block Ph : 011 - 28525479 / 32212231 419 Delhi Delhi Janakpuri east Ph : 011 - 25993776 / 32310027 420 Delhi Delhi Kakardooma Ph : 011 - 22376452 / 32435011 421 Delhi Delhi Kalkaji L1 Market Ph : 011 - 26023010 / 32435010 422 Delhi Delhi Karolbagh Ph : 011 - 25861288 / 32553252 423 Delhi Delhi Keshavpur Depo Ph : 011 - 28336532 / 32311293 424 Delhi Delhi Kingsway GTB Nagar Ph : 011 - 45151494 / 32210993 425 Delhi Delhi Krishnan Nagar Ph : 011 - 22099565 / 32211867 426 Delhi Delhi Laxmi Nagar Ph : 011 - 22054597 / 32542711 427 Delhi Delhi Mahavir enclave Ph : 011 - 2505938 / 32076038 428 Delhi Delhi Mahipalpur Ph : 011 - 26783397 / 32075333 429 Delhi Delhi Mangol Puri Ph : 011 - 27918023 / 32213516 430 Delhi Delhi Mayur Vihar Phase 1 Ph : 011- 22758672 / 32027908 431 Delhi Delhi Mayur Vihar Phase-3 Ph : 011 - 22625350 / 32317600 432 Delhi Delhi Model Town Ph : 011 - 32213217 / 47884773 433 Delhi Delhi Najafgarh Ph : 011 - 25015161 / 32212374 434 Delhi Delhi Nangloi Market Ph : 011 - 25947558 / 32212009 435 Delhi Delhi Naraina Ring Road Ph : 011 - 25770128 / 32212312 436 Delhi Delhi old Rajinder Nagar Ph : 011 - 25757372 / Nil 437 Delhi Delhi Padamsingh Road Karol Bagh Ph : 011 - 25810334 / 32212273 438 Delhi Delhi Paharganj Ph : 011 - 23514780 / 32212214 439 Delhi Delhi Palam Colony Ph : 011 - 25361249 / 32211219 440 Delhi Delhi Piragarhi Ph : 011 - 25281233 / Nil 441 Delhi Delhi Rajapuri Ph : 011 - 32220131 / 45683493 442 Delhi Delhi Ranibagh Ph : 011 - 32212310 / 43709613 443 Delhi Delhi Rohini Ph : 011 - 27940514 / 32542712 444 Delhi Delhi Rohini Sec 3 Ph : 011 - 27512432 / 32220036 445 Delhi Delhi Shalimarbagh Ph : 011 - 27475321 / 32435009 446 Delhi Delhi Shastri Nagar Ph : 011 - 23654553 / 32097849 447 Delhi Delhi Tilak Nagar Ph : 011 - 25990292 / 32553253 448 Delhi Delhi TRI Nagar Delhi Ph : 011 - 27384585 / 32311304



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449 Delhi Delhi Tughlakabad extension Kalkaji Ph : 011- Nil / 32221026 450 Delhi Delhi Utham Nagar Ph : 011 - 25355376 / 32210048 451 Delhi Delhi Vasanth Kunj Ph : 011 - 26134130 / 32210991 452 Delhi Delhi Vishnu Garden Ph : 011 - 25982237 / 32220618 453 Delhi Delhi Kalkaji Ph : 011 - 26027888 / 32553255454 Delhi Rohtak Civil Road Rohtak Ph : 01262 - 271462 / 343667 455 Delhi Rohtak Rohtak Subhash Chowk Ph : 01262 - 271397 / 343659 456 Goa North Goa Ponda Goa Ph : 0832 - 2319230 / 3269739 457 Goa South Goa Vishant Road Goa Ph : 0832 - 2733130 / 3192020 458 Gujarat Ahmedabad Amraiwadi Ph : 079 - 25850694 / 32422511 459 Gujarat Ahmedabad Bapu Nagar Ahamedabad Ph : 079 - 22700266 / 32943200 460 Gujarat Ahmedabad Bopal Ahmedabad Ph : 02717 - Nil / 321742 461 Gujarat Ahmedabad Chandakeda Ph : 079 – 23972688 / 32000906 462 Gujarat Ahmedabad Ghatlodia Ph : 079 - 27302174 / 32420119 463 Gujarat Ahmedabad Gurukul Road Ph : 079 - 32000030 / 40054890 464 Gujarat Ahmedabad Himmath Nagar Ahmedabad Ph : 02772 - Nil / 321041 465 Gujarat Ahmedabad Ishanpur Ahmedabad Ph : 079 - Nil / 32449818 466 Gujarat Ahmedabad Jamalpur Ph : 079 - 25393191 / 32420064 467 Gujarat Ahmedabad Kankaria Ph : 079 - 25431756 / 32415322 468 Gujarat Ahmedabad Lal Darwaja Ahemedabad Ph : 079 - 25500343 / 32449817 469 Gujarat Ahmedabad Naroda Ph : 079 - 22821863 / 32416101 470 Gujarat Ahmedabad Navrangpura Ph : 079 - 26401658 / 32910221 471 Gujarat Ahmedabad Nikhol Ph : 079 - Nil / 32456807 472 Gujarat Ahmedabad odhav Ph : 079 - 22892623 / 32421718 473 Gujarat Ahmedabad old Vadaj Ph : 079 - 27552919 / 32416300 474 Gujarat Ahmedabad Paldi Ph : 079 - 26601830 / 32212135 475 Gujarat Ahmedabad Ridhi Tower Ahamedabad Ph : 079 - 26921423 / 31908282 476 Gujarat Ahmedabad Sabarmathi Ph : 079 - 27516658 / 32422249 477 Gujarat Ahmedabad Sanand Chowkdi Ahmedabad Ph : 079 - Nil / 3219211 478 Gujarat Anand Anand Gujarat Ph : 02692 - 266516 / 311143 479 Gujarat Baroda Vadodara Ph : 0265 - 2225678 / 3241149 480 Gujarat Bharuch Ankleswar Bharuch Ph : 02646 - Nil / 310645 481 Gujarat Bharuch Bharuch Station Road Ph : 02642 - Nil / 310524 482 Gujarat Bhavnagar Gogha Circle Bhavnagar Ph : 0278 - 2565056 / 3201766 483 Gujarat Bhavnagar Ram Mandhir Bhavnagar Ph : 0278 - 2560421 / 3201681 484 Gujarat Jamnagar Khodiyar Colony Jamnagar Ph : 0288 - 2711878 / 3201213 485 Gujarat Jamnagar Pandit Nehru Road Jamnagar Ph : 0288 - Nil / 3192021 486 Gujarat Jamnagar Patel Colony Jamnagar Ph : 0288 - 2751087 / 3191919 487 Gujarat Jamnagar Ranjit Road Jamnagar Ph : 0288 - Nil / 3200260 488 Gujarat Mehsana Kadi Mehsana Ph : 02764 - Nil / 312169 489 Gujarat Mehsana Kalol Ph : 02764 - 220006 / 312168 490 Gujarat Mehsana Radhanpur Chowkdi Mehsana Ph : 02762 - 240684 / Nil 491 Gujarat Narmada Rajpipla Ph : 02640 - 220121 / 321443 492 Gujarat Navsari Bilimora West Ph : 02634 - 286615 / 325615 493 Gujarat Porbandar Liberty Road Porbandar Ph : 0286 - 2244199 / 3204889 494 Gujarat Porbandar Porbandar Gujarat Ph : 0286 - 2245646 / 3200119 495 Gujarat Rajkot Phulchhab Chowk Rajkot Ph : 0281 - Nil / 3240019 496 Gujarat Surat Adajen Main Road Ph : 0261 - 2760067 / 3241284 497 Gujarat Surat Aie Mata Road Ph : 0261 - 2363762 / 3111578 498 Gujarat Surat Amroli Surat Ph : 0261 - 2494037 / Nil 499 Gujarat Surat Atwagate Ph : 0261 - Nil / 3110210 500 Gujarat Surat Katargam Main Road Ph : 0261 - 2534566 / 3110023 501 Gujarat Surat Mahidharpura Ph : 0261 - 2453487 / 3111956 502 Gujarat Surat Pandeswara Surat Ph : 0261 - 2894336 / 3111035 503 Gujarat Surat Pipload Surat Ph : 0261 - 2256191 / 3110390 504 Gujarat Surat Ved Road Surat Ph : 0261 - 2511744 / 3110421 505 Gujarat Vadodara Abhilasha Chowkadi Gujarat Ph : 0265 - 2781962 / 3264544 506 Gujarat Vadodara Ajwa Road Vadodara Ph : 0265 - 2520546 / 3263884 507 Gujarat Vadodara Alakapuri Ph : 0265 - 2322187 / 3249886 508 Gujarat Vadodara Dayal Nagar Vadodara Ph : 0265 - 2520449 / 3191222 509 Gujarat Vadodara Iskcon Temple Road Ph : 0265 - 2340339 / 3263554 510 Gujarat Vadodara Jubileebaug Ph : 0265 - 2411783 / 3260211 511 Gujarat Vadodara Karelibaug Ph : 0265 - 2460617 / 3260005 512 Gujarat Vadodara Maneja Ph : 0265 - Nil / 3263562 513 Gujarat Vadodara Manjalpur Vadodara Ph : 0265 – Nil / 3264606 514 Gujarat Vadodara Nizampura Vadodara Ph : 0265 – Nil / 3263616 515 Gujarat Vadodara Tarsali Gujarath Ph : 0265 – Nil / 3264412 516 Gujarat Vadodara Waghodia Road Ph : 0265 - 2514885 / 3260436 517 Gujarat Valsad Bacher Road Valsad Ph : 02632 - 253206 / 322520 518 Gujarat Valsad Vapi east Ph : 0260 - 2420072 / 3269961 519 Haryana Ambala Ambala Cantt Ph : 0171 - 2641158 / 3200291 520 Haryana Ambala Manav Chawk Ambala Ph : 0171 - 2534384 / 3200733 521 Haryana Ambala Model Town Ambala Ph : 0171 - 2521366 / 3202631 522 Haryana Bhiwani Bhiwani Ph : 01664 - 245747 / 326988 523 Haryana faridabad faridabad Ph : 0129 - 2227059 / 3262201



99

524 Haryana faridabad Neelam Bata Chowk Ph : 0129 - 2412440 / 3230440 525 Haryana faridabad NIT VK Chowk Road Ph : 0129 - 2411184 / 3290026 526 Haryana faridabad Palwal Agra Road Ph : 01275 - 240108 / 310780 527 Haryana faridabad Sector 29 Haryana Ph : 0129 - 2500286 / 3235727 528 Haryana faridabad Sector 34 Huda Market Ph : 0129 - 2250759 / 3235728 / 4169335 529 Haryana fatehgarh Saheb Derabassi Ph : 0176 - 2284481 / 01762 - 314922 530 Haryana Gurgaon Khandasa Road Gurgaon Ph : 0124 - 2370066 / 3212490 531 Haryana Gurgaon Lakshman Vihar Ph : 0124 - 2250150 / 3214812 532 Haryana Gurgaon New Railway Road Ph : 0124 - Nil / 3212063 / 4296612 533 Haryana Gurgaon Sheetala Mata Road Gurgaon Ph : 0124 - Nil / 3212416 534 Haryana Hissar Hissar Ph : 01662 - 247051 / 315780 535 Haryana Jhajjar Bahadurgarh Ph : 01276 - Nil / 311127 536 Haryana Jind Jind Ph : 01681 - 253654 / 323327 537 Haryana Kurukshetra Kurukshetra Sector 17 Ph : 01744 - 290151 / 323102 538 Haryana Panchkula Panchkula Ph : 0172 - 2586217 / 3203616 539 Haryana Panipat Sanjay Chowk Panipath Ph : 0180 - 2660215 / 4018259 540 Haryana Rohtak Sampla Rohtak Road Ph : 01262 - 263048 / 343657 541 Haryana Sonipat Sonepath old DC Road Ph : 0130 - 2214168 / 3268896 542 Haryana Yamuna Nagar Yamuna Nagar Ph : 01732 - Nil / 346369 543 Jammu & Kashmir Jammu Bahu Plaza Jammu Ph : 0191 - 2479913 / Nil 544 Jammu & Kashmir Jammu Jammu-Residency Road Ph : 011 - 26027888 / 32553255545 Karnataka Bagalkot Bagalkot Bus Stand Road Ph : 08354 - 220121 / 321006 546 Karnataka Bagalkot Jamkhandi Ph : 08353 - 220068 / 322392 547 Karnataka Bagalkot Mudhol Ph : 08350 - 280181 / 322452 548 Karnataka Bagalkot Vidyagiri Bagalkot Ph : 08354 - 233545 / 323235 549 Karnataka Bangalore Adugodi Ph : 080 - 25701955 / 32216361 550 Karnataka Bangalore Akshay Nagar Ph : 080 - 28474344 / 32210711 551 Karnataka Bangalore Amruthahalli Ph : 080 - 23627633 / 32217309 552 Karnataka Bangalore Andhrahalli Ph : 080 - 28365882 / 32954433 553 Karnataka Bangalore Anekal Ph : 080 - 27841688 / 08110 - 322010 554 Karnataka Bangalore Anekal Main Road Varthur Ph : 080 - 28538241 / 32557784 555 Karnataka Bangalore Arekere B.D.A. Road Bannarkatta Ph : 080 - 26486377 / 32487587 556 Karnataka Bangalore Arekere Bennarkatte Ph : 080 - 26480702 / 3243962 557 Karnataka Bangalore Arekere Main Road Ph : 080 - Nil / 32023103 558 Karnataka Bangalore Aswath Nagar Ph : 080 - 23516090 / 32954488 559 Karnataka Bangalore Attibele Ph : 080 - 27844705 / 08110 - 326016 560 Karnataka Bangalore Attur Layout Ph : 080 - Nil / 32014983 561 Karnataka Bangalore Avalhalli Ph : 080 - 28472695 / 32210617 562 Karnataka Bangalore Avenue Road,Bangalore Ph : 080 - 22117150 / 32210030 563 Karnataka Bangalore B.H.e.L. Mysore Road Ph : 080 - 26754411 / 32210522 564 Karnataka Bangalore Basavanagudi Ph : 080 - 26763426 / 32210595 565 Karnataka Bangalore Bashetahalli Ph : 080 - 27630112 / 08119 - 329646 566 Karnataka Bangalore Baswaneswar Nagar Ph : 080 - 23580456 / Nil 567 Karnataka Bangalore BB Road Yelahanka Ph : 080 - 28564757 / 32485220 568 Karnataka Bangalore Benasankari II - Stage Ph : 080 - 26712884 / 32490242 569 Karnataka Bangalore Bengaluru J C Nagar Ph : 080 - 23331728 / 32467475 570 Karnataka Bangalore Bennarkatta Ph : 080 - 27828580 / 08110 - 326015 571 Karnataka Bangalore Bidadi Ph : 080 - 27282356 / 08113 - 322918 572 Karnataka Bangalore Bilakkally Ph : 080 - 26483970 / 32210631 573 Karnataka Bangalore Bommanahalli Ph : 080 - 25737370 / 32028188 574 Karnataka Bangalore Bommanahally Hosur Main Road Ph : 080 - 25725575 / 32210445 575 Karnataka Bangalore Brigade Road Palm Ground Ph : 080 - 2530823 / 32216522 576 Karnataka Bangalore Brigadiour Road Ph : 080 - 25301025 / 32210712 577 Karnataka Bangalore BTM 1st Stage Ph : 080 - 26680203 / 32210109 578 Karnataka Bangalore Cambridge Layout Ph : 080 - 25300720 / 32210464 579 Karnataka Bangalore Chanda Nagar Bangalore Ph : 080 - 25614231 / 32487333 580 Karnataka Bangalore Chandapura Ph : 080 - 27835877 / 08110 - 326113 581 Karnataka Bangalore Channasandra Ph : 080 - 28611979 / 32558079 582 Karnataka Bangalore Chickpet Ph : 080 - 22340154 / 32216132 583 Karnataka Bangalore Chikkaballapur Ph : 08156 - 260022 / 325853 584 Karnataka Bangalore Chinthamani Ph : 08154 - 240122 / 323337 585 Karnataka Bangalore Commercial Street Ph : 080 - 25590588 / 32557956 586 Karnataka Bangalore Devanahalli Ph : 080 - 27681266 / 08119 - 324484 587 Karnataka Bangalore Devanahalli eG Pura Road Ph : 080 - 27680827 / 08119 - 324696 588 Karnataka Bangalore Dobbspet Ph : 080 - 27734616 / 08118 - 327726 589 Karnataka Bangalore Doddaballapura Ph : 080 - 27622318 / 08119 - 325363 590 Karnataka Bangalore Domlur Ph : 080 - 25354884 / 32210450 591 Karnataka Bangalore Dr. Rajkumar Road Bangalore Ph : 080 - 23502688 / 32489774 592 Karnataka Bangalore electronic City Ph : 080 - 28520026 / 32487590 593 Karnataka Bangalore Gandhi Bazar Ph : 080 - 26623030 / 32210526 594 Karnataka Bangalore Ganga Nagar Ph : 080 - 23532164 / 32557945 595 Karnataka Bangalore Ganga Nagar High Layout Ph : 080 - 23337587 / 32011929 596 Karnataka Bangalore Garabavipalaya Ph : 080 - 25736923 / 32490998 597 Karnataka Bangalore Gnanaganganagar Ph : 080 - 23241787 / 32557892 598 Karnataka Bangalore Gollarahatty Ph : 080 - 23285727 / 32210624



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599 Karnataka Bangalore Gottigere Ph : 080 - 25780088 / Nil 600 Karnataka Bangalore Gurukuntapalya Ph : 080 - 23573282 / 32210579 601 Karnataka Bangalore H Cross Ph : 08158 - 259237 / 323752 602 Karnataka Bangalore Hal old Airport Road Ph : 080 - 25225740 / 32210526 603 Karnataka Bangalore Hanumantha Nagar Ph : 080 - 26608838 / 32210530 604 Karnataka Bangalore Harohalli Ph : 080 - 27563534 / 08117 - 321996 605 Karnataka Bangalore Hebbagodi Ph : 080 - 27849349 / 08110 - 322282 606 Karnataka Bangalore Hennur Cross Ph : 080 - 20127258 / 32211742 / 918042100579 607 Karnataka Bangalore Hosa Road,Bangalore Ph : 080 - Nil / 32028233 608 Karnataka Bangalore Hoskote KR Layout Ph : 080 - 27935438 / 08111 - 329704 609 Karnataka Bangalore Hosur Main Road Wilson Garden Ph : 080 - 22133203 / 32488639 610 Karnataka Bangalore HSR layout Ph : 080 - 25721716 / 32490675 611 Karnataka Bangalore Hunasamaranahally Ph : 080 - 28478153 / 32210449 612 Karnataka Bangalore J P Nagar Ph : 080 - 26630607 / 32991707 613 Karnataka Bangalore Jaimunirao Circle Ph : 080 - 23159664 / 32210045 614 Karnataka Bangalore Jalahalli Ph : 080 - 28399389 / 32210710 615 Karnataka Bangalore Jalahally Circle Ph : 080 - 28391213 / 32446246 616 Karnataka Bangalore Jaraganahalli Ph : 080 - 26649451 / 32478702 617 Karnataka Bangalore Jayanagar Ph : 080 - Nil / 32210578 618 Karnataka Bangalore Jayanagar 9th Block Ph : 080 - 22442797 / 32014980 619 Karnataka Bangalore Jeevanbhima Nagar Ph : 080 - 25200495 / 32210514 / 42064808 620 Karnataka Bangalore Jigini Ph : 080 - 27826010 / 08110 - 322526 621 Karnataka Bangalore K R Road Ph : 080 - 26762608 / 32210671 622 Karnataka Bangalore Kadugodi Ph : 080 - 28455273 / 32217612 623 Karnataka Bangalore Kadugondanahalli Ph : 080 - 25460225 / 32210616 624 Karnataka Bangalore Kagalipura Ph : 080 - 28432880 / 32558317 625 Karnataka Bangalore Kaikondanahalli Ph : 080 - 32210447 / 42129073 626 Karnataka Bangalore Kalyan Nagar Ph : 080 - 23503600 / 32419483 627 Karnataka Bangalore Kamashipalayam Ph : 080 - 23281124 / 32978066 628 Karnataka Bangalore Kammanahalli Ph : 080 - 25464848 / Nil 629 Karnataka Bangalore Kammanahalli Banasavadi Road Ph : 080 - 25453384 / 32558096 630 Karnataka Bangalore Kanakapura Ph : 080 - 27522220 / 08117 - 329436 631 Karnataka Bangalore Kanakapura Bus Stand Ph : 080 - 27522177 / Nil 632 Karnataka Bangalore Kanteerava Studio Ph : 080 - 40964478 / 32557783 633 Karnataka Bangalore Kathriguppa Ph : 080 - 32210051 / 42071124 634 Karnataka Bangalore Kattangal Ph : 0495 - 2287554 / 3274477 635 Karnataka Bangalore Kengeeri Sate Lete Ph : 080 - 28486879 / 32210531 636 Karnataka Bangalore Kengeri Ph : 080 - 28484193 / 32978727 637 Karnataka Bangalore Kodigahally Road Sanjeevini Nagar Ph : 080 - 23627402 / 32557760 638 Karnataka Bangalore Kolar Gowripete Ph : 08152 - 223014 / 323321 639 Karnataka Bangalore Konanakunda Cross Ph : 080 - 26860855 / 32210537 / 40992427 640 Karnataka Bangalore Koramangala Ph : 080 - 32210513 / 41730752 641 Karnataka Bangalore Kottigapalayay Ph : 080 - Nil / 32210436 642 Karnataka Bangalore Krishnarajapuram Ph : 080 - 25619626 / 32210515 643 Karnataka Bangalore Laggere Bridge Ph : 080 - 28372553 / 32557927 644 Karnataka Bangalore LIC Colony Basaveshwara Nagar Ph : 080 - 23236887 / 32558077 645 Karnataka Bangalore M.S. Palaya Ph : 080 - 23648840 / 32992888 646 Karnataka Bangalore Madanayakanahalli Lakshmipura Ph : 080 - 23715051 / 32210090 647 Karnataka Bangalore Madivala Ph : 080 - 25634503 / 32939897 648 Karnataka Bangalore Magadhi Ramnagar Ph : 080 - 27745396 / 08113 - 322875 649 Karnataka Bangalore Magadi Road,Bangalore Ph : 080 - 23153315 / 32485165 650 Karnataka Bangalore Magadi Thavarekere Ph : 080 - 28430751 / 32210540 651 Karnataka Bangalore Mahadevapura Ph : 080 - Nil / 32210580 652 Karnataka Bangalore Mahalakshmi Layout Ph : 080 - 23195683 / 32557894 653 Karnataka Bangalore Malleshpalaya Ph : 080 - 25342356 / 32210006 654 Karnataka Bangalore Malleshwaram 18th Cross Ph : 080 - 23465685 / 32490595 655 Karnataka Bangalore Malleswaram Ph : 080 - 23468937 / 32211235 / 41280190 656 Karnataka Bangalore Mariyappanpalaya Ph : 080 - 23241109/ 32013252 657 Karnataka Bangalore Marthahalli Ph : 080 - 25401382 / 32210612 658 Karnataka Bangalore Maruthi Nagar Ph : 080 - 23519547 / 32210466 659 Karnataka Bangalore Mathikere Ph : 080 - 23475994 / 32559502 660 Karnataka Bangalore Mirza Road Anekal Ph : 080 - 27841468 / 08110 - 329318 661 Karnataka Bangalore MSR Main Road Mathikere Ph : 080 - 23607504 / 32490157 662 Karnataka Bangalore Muneshwaranagar Ph : 080 - 23240817 / 32558302 663 Karnataka Bangalore Mysore Road-Sirfi Circle Ph : 080 - 26740827 / 32557933 664 Karnataka Bangalore Nagarbhavi Ph : 080 - 23182854 / 32557790 665 Karnataka Bangalore Nagarbhavi Circle Bangalore Ph : 080 - 23185025 / 32210511 666 Karnataka Bangalore Nagendra Block Srinivasa Nagar Ph : 080 - 26722744 / 32448030 667 Karnataka Bangalore Nandhini Layout Ring Road Ph : 080 - 23577288 / 32971212 668 Karnataka Bangalore Navarang Ph : 080 - 23329011 / 32557893 669 Karnataka Bangalore Nelagadaranahalli Ph : 080 - 28376977 / 32557972 670 Karnataka Bangalore Nelamangala Ph : 080 - 27722763 / 32210588 671 Karnataka Bangalore Nelamangala PC extension Ph : 080 - 27723096 / 0811 - 8327691 672 Karnataka Bangalore New Thippsandra Ph : 080 - 25296954 / 32210587 673 Karnataka Bangalore Newbell Ph : 080 - 23601470 / 32210713



101

674 Karnataka Bangalore NR Colony Ph : 080 - 26608500 / 32487546 675 Karnataka Bangalore Padmanabha Nagar Ph : 080 - Nil / 32210661 / 40900620 676 Karnataka Bangalore Parimalanagar Kanteerava Studio Ph : 080 - 23379796 / 32210437 677 Karnataka Bangalore Pattegarapalya Ph : 080 - Nil / 32557971 678 Karnataka Bangalore Peeniya 2nd Stage Ph : 080 - 28366226 / 32210017 679 Karnataka Bangalore Prasanthnagar Bangalore Ph : 080 - 23287203 / 32488079 680 Karnataka Bangalore R. T. Nagar Ph : 080 - 23656169 / 32487711 681 Karnataka Bangalore Raja Palya Ph : 080 - 28410918 / 32210810 682 Karnataka Bangalore Rajaji Nagar 3rd Block Ph : 080 - 23104594 / 32210087 683 Karnataka Bangalore Rajaji Nagar Bangalore Ph : 080 - 23577751 / 32938014 684 Karnataka Bangalore Rajaji Rajkumar Road Ph : 080 - 23153133 / 32557823 685 Karnataka Bangalore Rajajinagar 2nd Block Ph : 080 - 23528455 / 32210012 686 Karnataka Bangalore Rajarajeswari Nagar Ph : 080 - 28607445 / 32210467 687 Karnataka Bangalore Ramamurthynagar Ph : 080 - 25661198 / 32977244 688 Karnataka Bangalore Ramanagaram Ph : 080 - 27273814 / 08011 - 3322869 689 Karnataka Bangalore Ramaswami Palaya Ph : 080 - 25473111 / 32210619 690 Karnataka Bangalore Ramohalli Ph : 080 - 8028438338 / 32557919 691 Karnataka Bangalore RPC Layout Ph : 080 - 23184068 / 32210643 692 Karnataka Bangalore Sanjivini Nagar Ph : 080 - 23154353 / 32557789 693 Karnataka Bangalore Sarjapura Bengaluru Ph : 080 - 27823209 / Nil 694 Karnataka Bangalore Seppings Road Ph : 080 - 25303395 / 32210834 695 Karnataka Bangalore Shankar Mata Main Road Ph : 080 - 23197217 / 32210495 696 Karnataka Bangalore Shivajinagar Ph : 080 - 22862663 / 32939993 697 Karnataka Bangalore Shivanagar Ph : 080 - 23506162 / 32558075 698 Karnataka Bangalore Somasundarapalayam Ph : 080 - 32488104 / 40931680 699 Karnataka Bangalore St John s Church Road(Coles Park) Ph : 080 - 25554848 / 32447552 700 Karnataka Bangalore Subbaiana Palya Ph : 080 - 25458092 / 32478566 701 Karnataka Bangalore Subbayya Circle Ph : 080 - Nil / 32210533 702 Karnataka Bangalore Sunkadakatte Ph : 080 - 23487816 / 32446448 703 Karnataka Bangalore T Dasarahally 8th Cross Ph : 080 - 28376636 / 32485940 704 Karnataka Bangalore T.C.Palaya Ph : 080 - Nil / 32210465 705 Karnataka Bangalore Tavarekere Ph : 080 - 42112731 / 32012344 706 Karnataka Bangalore Thalagattupura Ph : 080- 28427246 / 32210500 707 Karnataka Bangalore Thubrahalli Ph : 080 - 28524237 / 32210601 708 Karnataka Bangalore Tollgate Mysore Road Ph : 080 - 26758242 / 32489144 709 Karnataka Bangalore Udaya Nagar Main Road Ph : 080 - 28510517 / 32492933 710 Karnataka Bangalore Udayanagar Ph : 080 - 28512434 / 32557931 711 Karnataka Bangalore Ulsoor Bangalore Ph : 080 - 25575048 / 32938013 712 Karnataka Bangalore Utharahalli Bus Stand Ph : 080 - 26394666 / 32015016 / 40940893 713 Karnataka Bangalore Uttarahally Ph : 080 - 26396639 / 32910006 714 Karnataka Bangalore V.V. Puram Ph : 080 - 26673100 / 32488206 715 Karnataka Bangalore Vidyaranyapuram Ph : 080 - 23642362 / 32491140 716 Karnataka Bangalore Vijayanagar Ph : 080 - 23153466 / 32557728 717 Karnataka Bangalore Wilson Garden Ph : 080 - Nil / 32558316 / 42194272 718 Karnataka Bangalore Yelachanahally Ph : 080 - 26324803 / 32210613 719 Karnataka Bangalore Yelahanka Ph : 080 - 28463255 / 32558323 720 Karnataka Bangalore Yelahanka New Ph : 080 - 28561266 / 32210441 721 Karnataka Bangalore Yeshwanthpur Ph : 080 - 23373763 / 32938015 722 Karnataka Bangalore Yeswanthapur Main Road Ph : 080 - 23573335 / 32210456 723 Karnataka Bangalore 11 Th Cross Bhuvaneswarinagar Ph : 080 - Nil / 32490623724 Karnataka Bangalore Bharat Nagar Ph : 080 - 23480511 / 32210446725 Karnataka Bangalore Srinagar Bangalore Ph : 080 - 26615283 / 32216304726 Karnataka Bangalore Btm 2Nd Stage Ph : 080 - 26689310 / 32210026727 Karnataka Bangalore 1St Phase J P Nagar Ph : 080-22444770/ 32210811728 Karnataka Belgam Athni Ph : 08289 - 251153 / 311360 729 Karnataka Belgaum Alnavar Ph : 0836 - 2385433 / 50405285 730 Karnataka Belgaum Ayodhya Nagar Ph : 0831 - 2472988 / 3246687 731 Karnataka Belgaum Bailhongal Ph : 08288 - 236104 / 320011 732 Karnataka Belgaum Chikodi Ph : 08338 - 272405 / 322742 733 Karnataka Belgaum Goaves Circle Belgaum Ph : 0831 - 2460380 / 3246688 734 Karnataka Belgaum Gokak Ph : 08332 - 224047 / 322310 735 Karnataka Belgaum Hukkeri Ph : 08333 - 265052 / 320110 736 Karnataka Belgaum Khanapur Ph : 08336 - 222021 / 7483186130 737 Karnataka Belgaum Mudalgi Ph : 08334 - 250082 / 321840 738 Karnataka Belgaum Nipani Ph : 08338 - 223964 / 322997 739 Karnataka Belgaum Ramdurg Ph : 08335 - 241002 / 322230 740 Karnataka Belgaum Saundatti Ph : 08330 - 222108 / 321913 741 Karnataka Bellari Bellary Ph : 08392 - 270465 / 327627 742 Karnataka Bellari Hagaribommanahalli Ph : 08397 - 239545 / 322361 743 Karnataka Bellari Hospet Ph : 08394 - 220771 / 322316 744 Karnataka Bellari Infantry Road Bellary Ph : 08392 - 240024 / 322365 745 Karnataka Bellari Sirsi Hospet Road Ph : 08384 - 223225 / 320119 746 Karnataka Bellari Hospet College Road Ph : 08394-224088/ 321988747 Karnataka Bidar Aurad Ph : 08485 - 280005 / 340509 748 Karnataka Bidar Bidar Ph : 08482 - 220287 / 322342



Cash flow Statement


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BranchNetwork


749 Karnataka Bidar Bidar Main Road Ph : 08482 - 220070 / Nil 750 Karnataka Bidar Bidar B V B College Road 751 Karnataka Bijapur Bijapur Railway Station Road Ph : 08352 - 251522 / 310204 752 Karnataka Chamrajnagar Chamarajanagar Sampige Road Ph : 08226 - 222478 / 320722 753 Karnataka Chamrajnagar Chamraj Nagar Ph : 08226 - 222226 / 329939 754 Karnataka Chamrajnagar Chamraj Nagar Car Street Road Ph : 08226 - 222476 / 323959 755 Karnataka Chamrajnagar Gundlupet Ph : 08229 - 222857 / 321539 756 Karnataka Chamrajnagar Hannur Ph : 08224 - 268075 / 322544 757 Karnataka Chamrajnagar Kollegal Ph : 08224 - 256709 / 320500 758 Karnataka Chamrajnagar Pandavapura Ph : 08236 - 256112 / 320005 759 Karnataka Chikamanglur Birur Ph : 08627 - 255056 / 080 - 32920870 760 Karnataka Chikamanglur Chikamanglur Ph : 08262 - 233213 / 320938 761 Karnataka Chikamanglur Kadur BH Road Ph : 08267 - 221181 / 325988 762 Karnataka Chikamanglur Mudigere Ph : 08263 - 220057 / 320531 763 Karnataka Chikamanglur NR Pura Ph : 08266 - 220699 / Nil 764 Karnataka Chikamanglur Sringeri Ph : 08265 - 250095 / 320413 765 Karnataka Chikamanglur Tarikere Ph : 08261 - 222096 / 320933 766 Karnataka Chikamanglur Kadur Ph : 08267- 221031/ 325989767 Karnataka Chikkaballapur Gowribidanur Ph : 08155 - 285086 / 321122 768 Karnataka Chitradurga Challakere Ph : 08195 - 223258 / 320990 769 Karnataka Chitradurga Chitradurga Ph : 08194 - 228851 / 320979 770 Karnataka Chitradurga Hiriyur Main Road Ph : 08193 - 220105 / 320909 771 Karnataka Chitradurga MH Road Chitradurga Ph : 08194 - 224065 / 321438 772 Karnataka Dakshina Kannada B.C.Road,Manglore Ph : 08255 - 233854 / 324852 773 Karnataka Dakshina Kannada Belthangady Ph : 08256 - 232388 / 322707 774 Karnataka Dakshina Kannada Deralakatte Ph : 0824 - 2204289 / 3200064 775 Karnataka Dakshina Kannada farange Peta Ph : 08255 - 272272 / 320964 776 Karnataka Dakshina Kannada Jyothi Circle Mangalore Ph : 0824 - 2444868 / 3200371 / 4288791 777 Karnataka Dakshina Kannada Kaikamba Ph : 0824 - 2259499 / 3201434 778 Karnataka Dakshina Kannada Kankanady Ph : 0824 - 2430287 / 3212474 779 Karnataka Dakshina Kannada Kavoor Ph : 0824 - 2481141 / 3201389 780 Karnataka Dakshina Kannada Mangalore Ph : 0824 - 2440932 / 3255572 781 Karnataka Dakshina Kannada Moodabidri Ph : 08258 - 237580 / 324905 782 Karnataka Dakshina Kannada Nagoori Ph : 0824 - 2342346 / 3201506 783 Karnataka Dakshina Kannada Puttur Ph : 08251 - 231036 / 320564 784 Karnataka Dakshina Kannada Sullia Ph : 08257 - 230665 / 320413 785 Karnataka Dakshina Kannada Thokkottu Ph : 0824 - 2460888 / 3212197 786 Karnataka Dakshina Kannada Urvastore Chilimbi Ph : 0824 - 2455660 / 3200341 787 Karnataka Davangare Ashoka Road Davanagere Ph : 08192 - 236659 / 310042 788 Karnataka Davangare Chamarajpet Davanagere Ph : 08192 - 231885 / 310026 789 Karnataka Davangare Hiriyur Ph : 08193 - 229977 / 321097 790 Karnataka Davangare Mandipet Davangere Ph : 08192 - 270141 / 310040 791 Karnataka Dhrawad Betgeri Ph : Ph : 08372 - 245042 / 321594 792 Karnataka Dhrawad Hosur Hubli Ph : 0836 - 2277877 / 3209606 793 Karnataka Dhrawad Hubli Ph : 0836 - 2361470/ 3206824 794 Karnataka Dhrawad Lamington Road Hubli Ph : 0836 - 2360466 / 3209602 795 Karnataka Dhrawad Mrithyumjayanagar Ph : 0836 - 2447711 / 3205151 796 Karnataka Dhrawad Navalgund Ph : 08380 - 220155 / 310401 797 Karnataka Dhrawad Navanagar Ph : 0836 - 2224044 / 3249273 798 Karnataka Dhrawad Railway Station Road Hubli Ph : 0836 - 2361118 / 3209462 799 Karnataka Dhrawad Yellapur Ph : 08419 - 261189 / 9341035389 800 Karnataka Gadag Gadag Ph : 08372 - 220694 / 325992 801 Karnataka Gadag Naragund Ph : 08377 - 261114 / 320735 802 Karnataka Gadag Ron Ph : 08381 - 267006 / 321317 803 Karnataka Gadag Shirhatti Ph : 08487 - 242184 / 342552 804 Karnataka Ganapat Galli Belgam Ph : 0831 - 2451809 / 3206949 805 Karnataka Gulberga Alanda Ph : 08477 - 203454 / 9379428491 806 Karnataka Gulberga Chittapur Ph : 08474 - 236171 / 322175 807 Karnataka Gulberga Jewargi Colony Ph : 08472 - 220504 / 313093 808 Karnataka Gulberga Supermarket Gulberga Ph : 08472 - 230011 / 313092 809 Karnataka Hassan Arakkalgodu Ph : 08175 - 220089 / 324102 810 Karnataka Hassan Arsikere Ph : 08174 - 233717 / 320418 811 Karnataka Hassan Arsikere APMC Ph : 08174 - 234545 / 324635 812 Karnataka Hassan Belur Ph : 08177 - 222110 / 32422 813 Karnataka Hassan Gandhi Bazar Hassan Ph : 08172 - 260003 / 329702 814 Karnataka Hassan Hassan Ph : 08172 - 232119 / 326110 815 Karnataka Hassan Holenarasipura Ph : 08175 - 2722114 / 3201402 816 Karnataka Hassan Kuvempunagar Ph : 08172 - 262123 / 325879 817 Karnataka Hassan Sakaleshpura Ph : 08173 - 243030 / 320893 818 Karnataka Hassan Salgame Road Hassan Ph : 08172 - 260008 / 329352 819 Karnataka Haveri Ashwini Nagar Haveri Ph : 08375 - 232166 / 321551 820 Karnataka Haveri Byadgi Ph : 08375 - 22668 / 321561 821 Karnataka Haveri Hirekerur Ph : 08376 - 282124 / 340475 822 Karnataka Haveri Rane Bennur Ph : 08373 - 268733 / Nil 823 Karnataka Haveri Shiggoan Ph : 08378 - 255053 / 325999



103

824 Karnataka Haveri Vidhyanagar Haveri Ph : 08375 - 233046 / 321552 825 Karnataka Kodagu Murnad Madikeri Ph : 08272 - 232203 / 320892 826 Karnataka Kodagu Shanivarshantha Ph : 08276 - 242100 / 322547 827 Karnataka Kodagu Virajpet Kodagu Ph : 08274 - 255087 / 320311 828 Karnataka Kolar Gownipalli Ph : 08157 - 248181 / 324009 829 Karnataka Kolar Kolar Clock Tower Ph : 08152 - 222193 / 320922 830 Karnataka Kolar Malur Ph : 08151 - 232009 / 322945 831 Karnataka Koppal Gangavathi Ph : 08533 - 272066 / 322828 832 Karnataka Koppal Kushtagi Ph : 08536 - 267055 / 321797 833 Karnataka Koppal Yelburga Ph : 08534 - 220088 / 310427 834 Karnataka Mandya 100 feet Road Mandya Ph : 08232 - 230715 / 351712 835 Karnataka Mandya Bharatinagar Ph : 08232 - 235332 / 329721 836 Karnataka Mandya Krishnarajapete Ph : 08230 - 261139 / 322710 837 Karnataka Mandya Maddur Ph : 08232 - 232049 / 329717 838 Karnataka Mandya Malavalli Ph : 08231 - 244793 / 323943 839 Karnataka Mandya Mandya Ph : 08232 - 223028 / 351566 840 Karnataka Mandya MM Road Guthllu Mandya Ph : 08232 - 220168 / 3101402 841 Karnataka Mandya V V Road Mandya Ph : 08232 - 220132 / 324060 842 Karnataka Mysore BANNUR Ph : 08227 - 275199 / 323780 843 Karnataka Mysore Bogadi Mysore Ph : 0821 - 2598207 / 3246967 844 Karnataka Mysore Chamundipuram Ph : 0821 - 2330361 / 3209864 845 Karnataka Mysore Channapatana Railway Station Road Ph : 080 - 27255093 / 08113 - 322920 846 Karnataka Mysore Chennapatna Ph : 080 - 27252614 / 08113 - 322870 847 Karnataka Mysore Devaraja Urs Diwans Road Ph : 0821 - 2421361 / 3240111 848 Karnataka Mysore Devaraja URS Road Ph : 0821 - 2420243 / 3205565 849 Karnataka Mysore HD Kotte Ph : 08228 - 255017 / 9341084516 850 Karnataka Mysore Hebbal Mysore Ph : 0821 - 2302525 / 3240190 851 Karnataka Mysore Hunsur Ph : 08222 - 251122 / 321906 852 Karnataka Mysore Hunsur BM Bypass Road Ph : 08222 - 252222 / 321971 853 Karnataka Mysore J P Nagar e Block Mysore Ph : 0821 - 2371361 / 3240112 854 Karnataka Mysore Koppa Ph : 0822 - 3253361 / 08276 - 322844 855 Karnataka Mysore Krishnaraja Nagar Ph : 08223 - 262544 / 322636 856 Karnataka Mysore Madikeri Ph : 08272 - 220530 / 323031 857 Karnataka Mysore Malavalli Kalamana Temple Street Ph : 08231 - 244793 / 324234 858 Karnataka Mysore Mandimohalla Ph : 0821 - 2444425 / 3264408 859 Karnataka Mysore Mysore Nazarabad Ph : 0821- 2440150 / 3246975 860 Karnataka Mysore Nanjangudu Ph : 08221 - 224242 / 325353 861 Karnataka Mysore NR Mohalla Ph : 0821 - 2491371 / 3240434 862 Karnataka Mysore Periyapatana Ph : 08223 - 273061 / 324538 863 Karnataka Mysore Ramakrishna Nagar Ph : 0821 - 2560140 / 3246964 864 Karnataka Mysore Ramaswamy Circle Ph : 0821 - 2332361 / 3240113 865 Karnataka Mysore Saraswthi Puram Mysore Ph : 0821 - 2344371 / 3240116 866 Karnataka Mysore Siddapura Ph : 08274 - 267530 / 320324 867 Karnataka Mysore Siddarth Layout Mysore Ph : 0821 - 2471361 / 3240115 868 Karnataka Mysore Suburban Bus Stand Ph : 0821 - 2442361 / 3209895 869 Karnataka Mysore T.Naraseepura Ph : 08227 - 260264 / 320658 870 Karnataka Mysore Vivekanada Circle Ph : 0821 - 2460065 / 3246974 871 Karnataka Mysore Thonchikoppal Ph : 0821-2340473/3246973872 Karnataka Raichur Gunj Main Road Ph : 08532 - 235579 / 310251 873 Karnataka Raichur Lingsugur Ph : 08537 - 257122 / 9343202555 874 Karnataka Raichur Manvi Ph : 08538 - 221766 / Nil 875 Karnataka Raichur Raichur M.G. Road Ph : 08532 - 228399 / 310002 876 Karnataka Raichur Sindhanur Ph : 08535 - 221212 / 9341891313 877 Karnataka Shimoga Bhadravathi Ph : 08282 - 263533 / 324808 878 Karnataka Shimoga Harihara Main Road Ph : 08192 - 240750 / 310733 879 Karnataka Shimoga Hosanagara Ph : 08185 - 221112 / 7483164250 880 Karnataka Shimoga Koppal Main Road Ph : 08539 - 221600 / 321133 881 Karnataka Shimoga N T Road Ph : 08182 - 225624 / 325331 882 Karnataka Shimoga Sagar Ph : 08183 - 221299 / 09343333836 883 Karnataka Shimoga Shikaripura Ph : 08187 - 222174 / 320528 884 Karnataka Shimoga Shimoga Ph : 08182 - 225623 / 320065 885 Karnataka Shimoga Shiralakoppa Ph : 08187 - 234466 / 320527 886 Karnataka Tumkur Bellary Main Road Pavagada Ph : 08136 - 245846 / 320685 887 Karnataka Tumkur Chennarayapatanna Ph : 08176 - 252899 / 322246 888 Karnataka Tumkur Chikkanayakanahalli Ph : 08133 - 267049 / 329609 889 Karnataka Tumkur Gubbi Ph : 08131 - 222024 / 323655 890 Karnataka Tumkur Gubbi B H Road Ph : 08131 - 222064 / 321112 891 Karnataka Tumkur Hassan Mysore Road Ph : 08172 - 250349 / 326066 892 Karnataka Tumkur Koretegere Ph : 08138 - 232064 / 320950 893 Karnataka Tumkur Kunigal Ph : 08132 - 221442 / 320973 894 Karnataka Tumkur Pavagada Ph : 08136 - 245846 / 320685 895 Karnataka Tumkur T Dasarahalli Ph : 080 - 23720123 / 32557969 896 Karnataka Tumkur Tiptur Ph : 08134 - 251124 / 321632 897 Karnataka Tumkur Tiptur Ramamandir Road Ph : 08134 - 250245 / 325970 898 Karnataka Tumkur Tumkur Ph : 0816 - 2277664 / 3297772



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899 Karnataka Tumkur Turuvekere Ph : 08139 - 287018 / 4936311445 900 Karnataka Tumkur Vidhyanagar Tumkur Ph : 0816 - 2284636 / 3200299 901 Karnataka Tumkur Gbn Road Madhugiri Ph : 08137-296005/ 321616902 Karnataka Udupi Karkala Ph : 08258 - 232388 / 326219 903 Karnataka Udupi Malpe Ph : 0820 - 2538743 / 3209659 904 Karnataka Udupi Manipal Ph : 0820 - 2575288 / 3209658 905 Karnataka Udupi Udupi Ph : 0820 - 2526663 / 3206667 906 Karnataka Uttara Kannada Ankola Ph : 08388 - 230098 / 322386 907 Karnataka Uttara Kannada Bhatkal Ph : 08385 - 222079 / 320729 908 Karnataka Uttara Kannada Dandeli Ph : 08284 - 230068 / 9341226511 909 Karnataka Uttara Kannada Haliyala Ph : 08284 - 220313 / Nil 910 Karnataka Uttara Kannada Honnavar Ph : 08387 - 220053 / 320777 911 Karnataka Uttara Kannada Karwar Ph : 08382 - 226211 / 326980 912 Karnataka Uttara Kannada Kumta Ph : 08386 - 220355 / 322653 913 Karnataka Uttara Kannada Mundgod Ph : 08301 - 222316 / 320091 914 Karnataka Uttara Kannada Siddapur Ph : 08389 - 230038 / Nil 915 Karnataka Uttara Kannada Sirsi C.P. Bazar Ph : 08384 - 223062 / 320120 916 Karnataka Yadgiri Shahapur Ph : 08479 - 240140 / 321997 917 Karnataka Yadgiri Yadgiri Bus Stand Ph : 08473 - 250029 / 320032 918 Karnataka Yadgiri Yadgiri Market Ph : 0847 - 3250073 / 3320001 919 Kerala Alappuzha Alappuzha Ph : 0477 - 2239334 / 3203007 920 Kerala Alappuzha Alapuzha Medical College Jn Ph : 0477 - 2238004 / 3293878 921 Kerala Alappuzha Alapuzha Muhammed Road Ph : 0477 - 2233441 / 3293974 922 Kerala Alappuzha Arur Ph : 0478 - 2872203 / 3201958 923 Kerala Alappuzha Charummoodu Ph : 0479 - 2384655 / 3243493 924 Kerala Alappuzha Chengannur Ph : 0479 - 2452675 / 3248275 925 Kerala Alappuzha Cherthala Ph : 0478 - 2820935 / 3214395 926 Kerala Alappuzha Haripad Ph : 0479 - 2404127 / 3200858 927 Kerala Alappuzha Kayamkulam Ph : 0479 - 2443692 / 3249690 928 Kerala Alappuzha Mannanchery Ph : 0477 - 2290522 / 3209798 929 Kerala Alappuzha Mavelikara Ph : 0479 - 2341389 / 3205544 930 Kerala Alappuzha Punnapra Ph : 0477 - 2288117 / 3203566 931 Kerala Alappuzha Thattarambalam Ph : 0479 - 2341110 / 3241820 932 Kerala Alappuzha Thuravoor Ph : 0478 - 2560430 / 3202751 933 Kerala Alappuzha Vellakinnar Ph : 0477 - 2230533 / 3290107 934 Kerala Alleppey Kattanam Ph : 0479 - 2334448 / 3243561 935 Kerala Alleppey Poochakkal Ph : 0487 - 2533242 / 3214410 936 Kerala Alleppey Puthiyakavu Ph : 0479 - 2343050 / 3244084 937 Kerala ernakulam Adivadu Ph : 0485 - 2563150 / 3247436 938 Kerala ernakulam Alinchuvadu Ph : 0484 - 2807728 / 3127883 939 Kerala ernakulam Allapra Ph : 0484 - 2594764 / 3190062 940 Kerala ernakulam Aluva Ph : 0484 - 2629731 / 3213310 941 Kerala ernakulam Aluva Market Ph : 0484 - 2629730 / 3127882 942 Kerala ernakulam Andipullikavu Ph : 0484 - 2482464 / 3101992 943 Kerala ernakulam Angamali Ph : 0484 - 2459171 / 3239362 944 Kerala ernakulam Arakappady Ph : 0484 - 2656909 / 3199190 945 Kerala ernakulam Arakunnam Ph : 0484 - 2748777 / 3199192 946 Kerala ernakulam Arayankavu Ph : 0484 - 2745999 / 3195151 947 Kerala ernakulam Athani Ph : 0484 - 2476570 / 3102067 948 Kerala ernakulam Banerji Road,ernakulam Ph : 0484 - 2398050 / 3124419 949 Kerala ernakulam Chengamanad Ph : 0484 - 2476590 / 3199197 950 Kerala ernakulam Cherai Ph : 0484 - 2418223 / 3246482 951 Kerala ernakulam Cheranallore Ph : 0484 - 2432702 / 3121124 952 Kerala ernakulam Chittur Cochin Ph : 0484 - 2371525 / 3238554 953 Kerala ernakulam Civil Line Road Vazhakkala Ph : 0484 - 2425037 / 3196222 954 Kerala ernakulam edakochi Ph : 0484 - 2328080 / 3120997 955 Kerala ernakulam edappally Ph : 0484 - 2345797 / 3115137 956 Kerala ernakulam fort Kochi Ph : 0484 - 2215118 / 3114942 957 Kerala ernakulam Kadavanthra Ph : 0484 - 2206146 / 3220004 958 Kerala ernakulam Kakkadassery Ph : 0485 2815764 / 3249591 959 Kerala ernakulam Kalady Ph : 0484 - 2699177 / 3115078 960 Kerala ernakulam Kalamassery Ph : 0484 - 2556889 / 3112333 961 Kerala ernakulam Kalloorkad Ph : 0485 - 2288898 / 3247435 962 Kerala ernakulam Kaloor Ph : 0484 - 2537020 / 3231578 963 Kerala ernakulam Kanjiramattom Ph : 0484 - 2737024 / 3190340 964 Kerala ernakulam Karimugal Ph : 0484 - 2720111 / 3190342 965 Kerala ernakulam Kathrikadavu Ph : 0484 – Nil / 3120430 966 Kerala ernakulam Kizhakkambalam Ph : 0484 - 2681668 / 3195759 967 Kerala ernakulam Kolenchery Ph : 0484 - 2766863 / 3190044 968 Kerala ernakulam Koonammavu Ph : 0484 - 2516474 / 3127881 969 Kerala ernakulam Kothamangalam Ph : 0485 - 2862560 / 3266711 970 Kerala ernakulam Kurumassery Ph : 0484 - 2470310 / 3199191 971 Kerala ernakulam Kuruppampadi Ph : 0484 - 2595104 / 3190291 972 Kerala ernakulam Malikampeedika Ph : 0484 - 2670032 / 3199195 973 Kerala ernakulam Malipuram Ph : 0484 - 2497725 / 3200623



105

974 Kerala ernakulam Manjali Ph : 0484 - 2441977 / 3190061 975 Kerala ernakulam Mannur Ph : 0484 - 2651146 / 3190201 976 Kerala ernakulam Mattancherry Ph : 0484 - 2223034 / 3222407 977 Kerala ernakulam Mookannoor Ph : 0484 - 2616984 / 3195709 978 Kerala ernakulam Mullanthuruthy Ph : 0484 - 2741650 / 3115257 979 Kerala ernakulam Muvattupuzha Ph : 0485 - 2814222 / 3249597 980 Kerala ernakulam Neeleswaram Malayattoor Ph : 0484 - 2460322 / 3190341 981 Kerala ernakulam Nellikuzhi Ph : 0485 - 2823023 / 3240870 982 Kerala ernakulam Neriamangalam Ph : 0485 - 2554600 / 3240871 983 Kerala ernakulam okkal Ph : 0484 - 2464630 / 3190280 984 Kerala ernakulam Palarivattom Ph : 0484 - 2342526 / 3276988 985 Kerala ernakulam Pallikkara Ph : 0484 - 2681486 / 3223720 986 Kerala ernakulam Palluruthy Ph : 0484 - 2232124 / 3112436 987 Kerala ernakulam Pampakuda Ph : 0485 - 2273200 / 3240910 988 Kerala ernakulam Pathalam Ph : 0484 - 2545191 / 3128223 989 Kerala ernakulam Pattimattom Ph : 0484 - 2689984 / 3190343 990 Kerala ernakulam Perumbavoor Ph : 0484 - 2520699 / 3271110 991 Kerala ernakulam Petta Ph : 0484 - 2389101 / 3110142 992 Kerala ernakulam Pezhakkappilly Ph : 0485 - 2814334 / 3241861 993 Kerala ernakulam Piravam Ph : 0485 - 2265637 / 3296937 994 Kerala ernakulam Ponjasserry Ph : 0484 - 2594072 / 3190070 995 Kerala ernakulam Poothotta Ph : 0484 - 2243750 / 3126285 996 Kerala ernakulam Pothanicadu Ph : 0485 - 2563900 / 3242564 997 Kerala ernakulam Puthenvelikkara Ph : 0484 - 2486780 / 3196440 998 Kerala ernakulam Ravipuram (foReX) Ph : 0484-2356769/ 3128772999 Kerala ernakulam Sreemoolanagaram Ph : 0484 - 2600280 / 3190292 1000 Kerala ernakulam Thevara Ph : 0484 - 2665526 / 3221314 1001 Kerala ernakulam Thiruvankulam Ph : 0484 - 2786612 / 3190290 1002 Kerala ernakulam Thoppumpady Ph : 0484 - 2223165 / 3277665 1003 Kerala ernakulam Thripunithura Ph : 0484 - 2781910 / 3298884 1004 Kerala ernakulam Thuravoor ernakulam Ph : 0484 - 2617881 / 3190050 1005 Kerala ernakulam Vaduthala Ph : 0484 - 2435870 / 3124999 1006 Kerala ernakulam Valanjambalam Ph : 0484 - 2603110 / 3190045 1007 Kerala ernakulam Varapuzha Ph : 0484 - 2511736 / 3118611 1008 Kerala ernakulam Vazhakkulam Ph : 0485 - 2262169 / 3241860 1009 Kerala ernakulam Vazhakulam Aluva Ph : 0484 - 2679040 / 3195710 1010 Kerala ernakulam Vytila Ph : 0484 - 2301880 / 3127880 1011 Kerala Idukki Adimali Ph : 04864 - 222405 / 09387628279 1012 Kerala Idukki Kattappana Ph : 04868 - 252399 / 9388362097 1013 Kerala Idukki Nedukandam Ph : 4868 - 232163 / 322038 1014 Kerala Idukki Rajakkad Ph : 04868 - 242367 / 310003 1015 Kerala Idukki Thodupuzha Ph : 04862 - 224045 / 326005 1016 Kerala Idukki Udumbanchola Ph : 04868 - 237174 / 310002 1017 Kerala Kannur Alakkode Ph : 0460 - 2255166 / 3243366 1018 Kerala Kannur Anjarakandy Ph : 0497 - 2856130 / 3242570 1019 Kerala Kannur Chakkarakkal Ph : 0497 - 2854610 / 3240103 1020 Kerala Kannur Cherukunnu Ph : 0497 - 2862408 / 3248084 1021 Kerala Kannur Cherupuzha Ph : 04985 240487 / 322980 1022 Kerala Kannur Irikkur Ph : 0460 - 2297310 / 3243006 1023 Kerala Kannur Iritty Ph : 0490 - 2491534 / 3293129 1024 Kerala Kannur Kannur Thalassery Road Ph : 0497 - 2711318 / 3253507 1025 Kerala Kannur Kathiroor Ph : 0490 - 2307094 / 3265089 1026 Kerala Kannur Kuthuparamba Ph : 0490 - 2365090 / 3248111 1027 Kerala Kannur Mattannur Ph : 0490 - 2472240 / 3247800 1028 Kerala Kannur Muzhuppilangad Ph : 0497 - 2832660 / 3241441 1029 Kerala Kannur Panoor Ph : 0490 - 2311114 / 3265215 1030 Kerala Kannur Pappinissery Ph : 0497 - 2788832 / 3248006 1031 Kerala Kannur Payyavoor Ph : 0460 - 2210248 / 3241125 1032 Kerala Kannur Pazhayangadi Ph : 0497 - 2877740 / 3242858 1033 Kerala Kannur Sreekandapuram Ph : 0460 - 2233378 / 3201868 1034 Kerala Kannur Talap Ph : 0497 - 2704832 / 3294679 1035 Kerala Kannur Thalassery Ph : 0490 - 2343860 / 3292943 1036 Kerala Kannur Valapattanam Ph : 0497 - 2776582 / 3240617 1037 Kerala Kasargod Cherkalam Ph : 04994 - 284658 / 329997 1038 Kerala Kasargod Cheruvathur Ph : 0467 - 2263495 / 3245500 1039 Kerala Kasargod Hosdurg-Kaanhangad Ph : 04672 - 200881 / 3247031 1040 Kerala Kasargod Kumbla Ph : 04998 - 213547 / 322944 1041 Kerala Kasargod Manjeshwaram Ph : 04998 - 275275 / 325789 1042 Kerala Kasargod Mulleriya Ph : 04994 - 261190 / 316208 1043 Kerala Kasargod Nullipady Ph : 04994 - 227334 / 324735 1044 Kerala Kasargod Palakkunu Ph : 0467 - 2239470 / 3209031 1045 Kerala Kasargod Thrikkarippur Ph : 0467 - 2213515 / 3208930 1046 Kerala Kasargod Uliyanthaduka Ph : 04994 - 241400 / 312288 1047 Kerala Kasargod Uppala Ph : 04998 - 242001 / 325558 1048 Kerala Kollam Anchal Ph : 0475 - 2770511 / 3267688



Cash flow Statement


Auditors’ Report


BranchNetwork


1049 Kerala Kollam Anchal Moodu Ph : 0474 - 2553084 / 3210554 1050 Kerala Kollam Ayur Ph : 0475 - 2293002 / 3208878 1051 Kerala Kollam Bharanikavu Ph : 0476 - 2835077 / 3207551 / 486232148 1052 Kerala Kollam Chandanathoppu Ph : 0474 - 2719076 / 3210048 1053 Kerala Kollam Chathannoor Ph : 0474 - 2593171 / 3206667 1054 Kerala Kollam Kadakkal Ph : 0474 - 2422588 / 3202686 1055 Kerala Kollam Kadappakkada Ph : 0474 - 2761778 / 3211903 1056 Kerala Kollam Karikode Ph : 0474 - 2714333 / 3220219 1057 Kerala Kollam Karunagappally Ph : 0476 - 2630823 / 3209383 1058 Kerala Kollam Kollam Ph : 0474 - 2763179 / 3250318 1059 Kerala Kollam Kollam Chengamanad Ph : 0474 - 2404352 / 3225343 1060 Kerala Kollam Kottarakakra Ph : 0474 - 2459587 / 3200131 1061 Kerala Kollam Kottiyam Ph : 0474 - 2533099 / 3226667 1062 Kerala Kollam Kulathupuzha Ph : 0475 - 2318960 / 3260875 1063 Kerala Kollam Kundara Ph : 0474 - 2580714 / 3244409 1064 Kerala Kollam Nellimukku Ph : 0474 - 2794460 / 3220012 1065 Kerala Kollam Nilamel Ph : 0474 - 2434617 / 3223944 1066 Kerala Kollam ochira Ph : 0476 - 2698008 / 3204241 1067 Kerala Kollam odanavattom Ph : 0474 - 2461205 / 3226668 1068 Kerala Kollam Pallimucku Ph : 0474 - 2728286 / 3220904 1069 Kerala Kollam Pathanapuram Ph : 0475 - 2015363 / 3206978 1070 Kerala Kollam Punalur Ph : 0475 - 2231173 / 3205533 1071 Kerala Kollam Punnala Ph : 0475 - 2385004 / 3264137 1072 Kerala Kollam Puthur Ph : 0474 - 2419030 / 3220185 1073 Kerala Kollam Ramankulangara Ph : 0474 - 2795437 / 3214515 1074 Kerala Kollam South Paravoor Ph : 0474 - 2518968 / 3210083 1075 Kerala Kollam Thatamala Ph : 0474 - 2728647 / 3216767 1076 Kerala Kottayam Athirampuzha Ph : 0481 - 2732799 / 3210170 1077 Kerala Kottayam Changanassery Ph : 0481 - 2424649 / 3263700 1078 Kerala Kottayam Chingavanam Ph : 0481 - 2430575 / 3230033 1079 Kerala Kottayam erattupetta Ph : 04822 - 276584 / 325255 1080 Kerala Kottayam erumely Ph : 04828 - 211873 / 322992 1081 Kerala Kottayam ettumanur Ph : 0481 - 2538537 / 3263959 1082 Kerala Kottayam Gandhi Nagar Ph : 0481 - 2598991 / 3230494 1083 Kerala Kottayam Kaduthuruthy Ph : 4829 - 283559 / 329909 1084 Kerala Kottayam Kallara Kottayam Ph : 04829 - 268521 / 9349144885 1085 Kerala Kottayam Kanjikuzhi Ph : 0481 - 2576050 / 3210292 1086 Kerala Kottayam Kanjirappally Ph : 04828 - 204181 / 323299 1087 Kerala Kottayam Karukachal Ph : 0481 - 2486388 / 3210130 1088 Kerala Kottayam Kodungur Ph : 0481 - 2454733 / 3231892 1089 Kerala Kottayam Kottayam Ph : 0481 - 2565082 / 3209227 1090 Kerala Kottayam Kurisumoodu Ph : 0481 - 2720090 / 3231882 1091 Kerala Kottayam Kuruppamthara Ph : 04829 - 245866 / 310043 1092 Kerala Kottayam Kuruvilangad Ph : 04822 - 230190 / 314462 1093 Kerala Kottayam Mundakayam Ph : 04828 - 273342 / 321919 1094 Kerala Kottayam Nedumkunnam Ph : 0481 - 2417611 / 3231887 1095 Kerala Kottayam Pala Ph : 04822 - 201868 / 323343 1096 Kerala Kottayam Pambadi Ph : 0481 - 2507241 / 3210520 1097 Kerala Kottayam Pathanadu Ph : 0481 - 2494260 / 3210541 1098 Kerala Kottayam Ponkunnam Ph : 04828 - 223224 / 310489 1099 Kerala Kottayam Puthupally Ph : 0481 - 2354666 / 3231895 1100 Kerala Kottayam Ramapuram Church Road Ph : 04822 - 263222 / 322545 1101 Kerala Kottayam Thalayolaparambu Ph : 04829 - 236503 / 323791 1102 Kerala Kottayam Thengana Ph : 0481 - 2472185 / 3231879 1103 Kerala Kottayam Uzhavoor Ph : 04822 - 249006 / 314468 1104 Kerala Kottayam Vaikom Ph : 04829 - 217714 / 321947 1105 Kerala Kozhikode Arabind Ghosh Road,Kozhikode Ph : 0495 - 2366438 / 3215009 1106 Kerala Kozhikode Atholy Ph : 0496 - 2674585 / 3223323 1107 Kerala Kozhikode Balussery Ph : 0496 - 2640033 / 3260067 1108 Kerala Kozhikode Cheruvanoor Ph : 0495 - 2483879 / 3219430 1109 Kerala Kozhikode Chinthavalappu Ph : 0495 - 2723422 / 3226855 1110 Kerala Kozhikode eangapuzha Ph : 0495 - 3106105 1111 Kerala Kozhikode east Nadakkavu Ph : 0495 - 2368118 / 3100236 1112 Kerala Kozhikode feroke Ph : 0495 - 2481057 /3222227 1113 Kerala Kozhikode Kadalundi Ph : 0495 - 2470045 / 3229000 1114 Kerala Kozhikode Kakkattil Ph : 0496 – 2448008 / 3220119 1115 Kerala Kozhikode Kakkodi Ph : 0495 - 2266699 / 3231276 1116 Kerala Kozhikode Kallai Ph : 0495 - 2321080 / 3237371 1117 Kerala Kozhikode Koduvalli Ph : 0495 - 2215035 / 3216484 1118 Kerala Kozhikode Koorachundu Ph : 0496 - 2660344 / 3223933 1119 Kerala Kozhikode Koyilandy Ph : 0496 - 2621904 / 3295326 1120 Kerala Kozhikode Kozhikode Vaikom Ph : 0495 - 2727767 / 3246206 1121 Kerala Kozhikode Kundooparambu Ph : 0495 - 2391424 / 3100278 1122 Kerala Kozhikode Kunnamangalam Ph : 0495 - 2801339/ 3106102 1123 Kerala Kozhikode Kuttiadi Ph : 0496 - 2596098 / 3223623



107

1124 Kerala Kozhikode Mathottam Ph : 0495 - 2320460 / 3279699 1125 Kerala Kozhikode Mavoor Ph : 0495 - 2884500 / 3226008 1126 Kerala Kozhikode Medical College CLT Ph : 0495 - 2358108 / 3224848 1127 Kerala Kozhikode Meenchanda Ph : 0495 - 2325699 / 3216040 1128 Kerala Kozhikode Mukkam Ph : 0495 - 2299311 / 3230709 1129 Kerala Kozhikode Nadapuram Ph : 0496 - 2554060 / 3217244 1130 Kerala Kozhikode Narikuni Ph : 0495 - 2247377 / 3232879 1131 Kerala Kozhikode omassery Ph : 0495 - 2281488 / 3100372 1132 Kerala Kozhikode orkkattery Ph : 0496 - 2545999 / 3223184 1133 Kerala Kozhikode Pantheerankavu Ph : 0495 - 2431234 / 3279735 1134 Kerala Kozhikode Perambra Ph : 0496 - 2615302 / 3294836 1135 Kerala Kozhikode Poovattuparambu Ph : 0495 - 2490407 / 3100722 1136 Kerala Kozhikode Pottammal Ph : 0495 - 2741336 / 3226871 1137 Kerala Kozhikode Ramanattukara Ph : 0495 - 2441478 / 3249349 1138 Kerala Kozhikode Thamarassery Ph : 0495 - 2222787 / 3248950 1139 Kerala Kozhikode Thiruvambadi Ph : 0495 - 2255691 / 3214997 1140 Kerala Kozhikode Ulliyeri Ph : 0496 - 2654306 / 3223189 1141 Kerala Kozhikode Vadakkara Ph : 0496 - 2517741 / 3295141 1142 Kerala Kozhikode Velimadekunnu Ph : 0495 - 2731548 / 3222039 1143 Kerala Kozhikode Westhill Ph : 0495 - 2380713 / 3246687 1144 Kerala Kozhikode Kattangal Ph : 0495-2287554/ 32744771145 Kerala Malappuram Angadipuram Ph : 04933 - 253373 / 320927 1146 Kerala Malappuram Areacode Ph : 0483 - 2853311 / 3268620 1147 Kerala Malappuram By Pass Junction Manjeri Ph : 0483 - 2760406 / 3213757 1148 Kerala Malappuram Changaramkulam Centre Ph : 0494 - 2656086 / 3207760 1149 Kerala Malappuram Changarankulam Ph : 0494 - 2656088 / 3222811 1150 Kerala Malappuram Chelari Ph : 0494 - 2400766 / 3243228 1151 Kerala Malappuram Chemmad Ph : 0494 - 2464243 / 3222745 1152 Kerala Malappuram Chungathara Ph : 04931 - 232951 / 318393 1153 Kerala Malappuram Down Hill Malappuram Thirur Road Ph : 0483 - 2732131 / 3208404 1154 Kerala Malappuram edakkara Ph : 04931 - 275914 / 312072 1155 Kerala Malappuram edappal Ph : 0494 - 2689459 / 3253188 1156 Kerala Malappuram edavanna Ph : 0483 - 2700720 / 318090 1157 Kerala Malappuram Kalikavu Ph : 04931 - 258867 / 321817 1158 Kerala Malappuram Karinkallathani Malappuram Ph : 04933 - 250857 / 314233 1159 Kerala Malappuram Karuvarakundu Ph : 04931 - 282324 / 321770 1160 Kerala Malappuram Kondotti Ph : 0483 - 2716780 / 3204272 1161 Kerala Malappuram Kuttipuram Ph : 0494 - 2609878 / 3207097 1162 Kerala Malappuram Mangada Ph : 04933 - 273172 / 312815 1163 Kerala Malappuram Manjeri Ph : 0483 - 2769989 / 3299300 1164 Kerala Malappuram ooty Road Perinthalmanna Ph : 04933 - 226399 / 314226 1165 Kerala Malappuram Pandikkad Ph : 0483 - 2785151 / 3268444 1166 Kerala Malappuram Parapanangadi Ph : 0494 - 2415243 / 3204692 1167 Kerala Malappuram Payyanangadi Ph : 0494 - 2425328 / 3207780 1168 Kerala Malappuram Ponnani Ph : 0494 - 2669086 / 3209050 1169 Kerala Malappuram Puthanathani Ph : 0494 - 2123029 / 3243577 1170 Kerala Malappuram Puthiyangadi Ph : 0495 - 2390789 / 3237374 1171 Kerala Malappuram Tanur Ph : 0494 - 2444490 / 3207530 1172 Kerala Malappuram Tirur Ph : 0494 - 2421440 / 3253290 1173 Kerala Malappuram Uphills Malappuram Ph : 0483 - 2736131 / 3210006 1174 Kerala Malappuram Vellangallore Ph : 0480 - 2867358 / 3274744 1175 Kerala Malappuram Vengara Ph : 0494 - 2450010 / 3222977 1176 Kerala Malappuram WANDUR Ph : 04931 - 245958 / 321414 1177 Kerala Palakkad Alanallur Ph : 04924 - 262645 / 322996 1178 Kerala Palakkad Alathur Ph : 04922 - 226251 / 322285 1179 Kerala Palakkad Ambalapara Ph : 0466 - 2401048 / 3214585 1180 Kerala Palakkad Chandra Nagar Ph : 0491 - 2570514 / 3262953 1181 Kerala Palakkad Cherpulassery Ph : 0466 - 2284920 / 3207249 1182 Kerala Palakkad Cheruthuruthy Ph : 04884 - 264527 / 323820 1183 Kerala Palakkad Goolikkadavu Ph : 04924 - 254661 / 310086 1184 Kerala Palakkad Kalladikode Ph : 04924 - 247466 / 310033 1185 Kerala Palakkad Kanjikode Ph : 0491 - 2569144 / 3209001 1186 Kerala Palakkad Kanjiram Ph : 04924 - 238231 / 310084 1187 Kerala Palakkad Koduvayur Ph : 04923 - 254343 / 312553 1188 Kerala Palakkad Kollengode Ph : 04923 - 264505 / 322633 1189 Kerala Palakkad Kongad Ph : 0491 - 2847951 / 3261011 1190 Kerala Palakkad Koottanad Ph : 0466 - 2371971 / 3200667 1191 Kerala Palakkad Koppam Ph : 0466 - 2264534 / 3214056 1192 Kerala Palakkad Kozhinjampara Ph : 04923 - 273091 / 322779 1193 Kerala Palakkad Kuzhalmannam Ph : 04922 - 272948 / 322895 1194 Kerala Palakkad Mangalam Dam Ph : 04922 - 263416 / 324404 1195 Kerala Palakkad Mannarkkad Ph : 04924 - 223768 / 321557 1196 Kerala Palakkad Melamuri Ph : 0491 - 2543388 / 3244641 1197 Kerala Palakkad Nenmara Ph : 04923 - 244332 / 322153 1198 Kerala Palakkad olavakode Ph : 0491 - 2552591 / 3201265



Cash flow Statement


Auditors’ Report


BranchNetwork


1199 Kerala Palakkad ottappalam Ph : 0466 - 2249826 / 3206232 1200 Kerala Palakkad Palakkad Town RS Road Ph : 0491 - 2504795 / 3262449 1201 Kerala Palakkad Para Ph : 0491 - 2583800 / 3260625 1202 Kerala Palakkad Parli Ph : 0491 - 2858401 / 3262618 1203 Kerala Palakkad Pudunagaram Ph : 04923 - 251841 / 322770 1204 Kerala Palakkad Shornur Ph : 0466 - 2223379 / 3205955 1205 Kerala Palakkad Sreekrishnapuram Ph : 0466 - 2260265 / 3213281 1206 Kerala Palakkad Sultan Pet Ph : 0491 - 2545884 / 3258121 1207 Kerala Palakkad Thachanpara Ph : 04924 - 244207 / 310087 1208 Kerala Pathanamthitta Adoor Ph : 04734 - 220992 / 321324 1209 Kerala Pathanamthitta ezhamkulam Ph : 04734 - 244425 / 323024 1210 Kerala Pathanamthitta Konni Ph : 0468 - 2241036 / 3203785 1211 Kerala Pathanamthitta Kozhenchery Ph : 0468 - 2215019 / 3203234 1212 Kerala Pathanamthitta Mallapally Ph : 0469 - 2784564 / 3207206 1213 Kerala Pathanamthitta Pandalam Ph : 04734 - 256683 / 323376 1214 Kerala Pathanamthitta Pathanamthitta Ph : 0468 - 2271658 / 3207818 1215 Kerala Pathanamthitta Pullad Ph : 0469 - 2660446 / 3203763 1216 Kerala Pathanamthitta Ranni Ph : 04735 - 227622 / 326868 1217 Kerala Pathanamthitta Thiruvalla Ph : 0469 - 2633633 / 3206661 1218 Kerala Thiruvanathapuram Ambalathara Ph : 0471 - 2380020 / 3270975 1219 Kerala Thiruvanathapuram Aryanadu Ph : 0472 - 2851939 / 3208150 1220 Kerala Thiruvanathapuram Attingal Ph : 0470 - 2629798 / 3209792 1221 Kerala Thiruvanathapuram Balaramapuram Ph : 0471 - 2406295 / 3218001 1222 Kerala Thiruvanathapuram Chengottukonam Ph : 0471 - 2711049 / 3273364 1223 Kerala Thiruvanathapuram Kallambalam Ph : 0470 - 2695070 / 3253665 1224 Kerala Thiruvanathapuram Kallara Ph : 0472 - 2860234 / 3208214 1225 Kerala Thiruvanathapuram Kaniapuram Ph : 0471 - 2757755 / 3279177 1226 Kerala Thiruvanathapuram Kanjiramkulam Ph : 0471 - 2263792 / 3198880 1227 Kerala Thiruvanathapuram Karamana Ph : 0471 - 2341765 / 3216020 1228 Kerala Thiruvanathapuram Kattakada Ph : 0471 - 2291280 / 3217272 1229 Kerala Thiruvanathapuram Kilimanoor Ph : 0470 - 2672979 / 3255043 1230 Kerala Thiruvanathapuram Kudappanakunnu Ph : 0471 - 2730047 / 3273386 1231 Kerala Thiruvanathapuram Kuttichal Ph : 0472 - 2851889 / 3242470 1232 Kerala Thiruvanathapuram Malayankeezhu Ph : 0471 - 2284234 / 3270058 1233 Kerala Thiruvanathapuram Manacaud Ph : 0471 - 2464760 / 3270203 1234 Kerala Thiruvanathapuram Medical College TVM Ph : 0471 - 2552085 / 3221615 1235 Kerala Thiruvanathapuram Muttada Ph : 0471 - 2530028 / 3190306 1236 Kerala Thiruvanathapuram Nedumangad Ph : 0472 - 2801525 / 3205949 1237 Kerala Thiruvanathapuram Nemom Ph : 0471 - 2394554 / 3213868 1238 Kerala Thiruvanathapuram Neyyattinkara Ph : 0471 - 2222261 / 3249779 1239 Kerala Thiruvanathapuram olathani Ph : 0471 3270845 1240 Kerala Thiruvanathapuram Peroorkada Ph : 0471 - 2438632 / 3278830 1241 Kerala Thiruvanathapuram Perumkadavila Ph : 0471 - 2276236 / 3270189 1242 Kerala Thiruvanathapuram Peyad Ph : 0471 - 2270311 / 3270059 1243 Kerala Thiruvanathapuram Poovachal Ph : 0472 - 2895440 / 0471 - 3270404 1244 Kerala Thiruvanathapuram Poovar Ph : 0471 - 2209792 / 3270053 1245 Kerala Thiruvanathapuram Pothenkode Ph : 0471 - 2410052 / 3273374 1246 Kerala Thiruvanathapuram Sreekaryam Ph : 0471 - 2596563 / 3215636 1247 Kerala Thiruvanathapuram Thiruvananthapuram Ph : 0471 - 2463853 / 3249895 1248 Kerala Thiruvanathapuram Udiyankulangara Ph : 0471 - 2230097 / 3273381 1249 Kerala Thiruvanathapuram Varkala Ph : 0470 - 2611489 / 3249075 1250 Kerala Thiruvanathapuram Vattapara Ph : 0472 - 2586 410 / 3241308 1251 Kerala Thiruvanathapuram Vattiyoorkavu Ph : 0471 - 2365161 / 3221821 1252 Kerala Thiruvanathapuram Vellanadu Ph : 0472 - 2882336 / 3208333 1253 Kerala Thiruvanathapuram Vellarada Ph : 0471 - 2243772 / 3270581 1254 Kerala Thiruvanathapuram Vembayam Ph : 0472 - 2831033 / 3208201 1255 Kerala Thrissur Aloor Ph : 0480 - 2727997 / 3208951 1256 Kerala Thrissur Amballur Ph : 0480 - 2755665 / 3270020 1257 Kerala Thrissur Ammadam Ph : 0487 - 2277025 / 3218662 1258 Kerala Thrissur Annamanada Ph : 0480 - 2773861 / 3276436 1259 Kerala Thrissur Anthikkad Ph : 0487 - 2634536 / 3211809 1260 Kerala Thrissur Arangottukara Ph : 0466 - 2259600 / 3214122 1261 Kerala Thrissur Azhicode Ph : 0480 - 2815955 / 3202593 1262 Kerala Thrissur Chalakudy North Ph : 0480 - 2703477 / 3270311 1263 Kerala Thrissur Chazhur Ph : 0487 - 2275188 / 3269757 1264 Kerala Thrissur Cherpu Ph : 0487 - 2347666 / 3253496 1265 Kerala Thrissur Chirakkal Ph : 0487 - 2272694 / 3206435 1266 Kerala Thrissur Choondal Ph : 04885 - 239839 / 322937 1267 Kerala Thrissur Desamangalam Ph : 04884 - 280707 / 322880 1268 Kerala Thrissur east fort Thrissur Ph : 0487 - 2420644 / 3212584 1269 Kerala Thrissur elanad Ph : 04884 - 288558 / 326570 1270 Kerala Thrissur eravu Ph : 0487 - 2311060 / 3256200 1271 Kerala Thrissur eriyad Ph : 0480 - 2816444 / 3276363 1272 Kerala Thrissur erumapetty Ph : 04885 - 266117 / 322670 1273 Kerala Thrissur Guruvayur Ph : 0487 - 2554041 / 3252967



109

1274 Kerala Thrissur Insurance Service Centre Ph : 0480 - 2806086 / 3276872 1275 Kerala Thrissur Irinjalakuda Ph : 0480 - 2832671 / 3295753 1276 Kerala Thrissur Kallur Ph : 0480 - 2755664 / 0487 - 3218920 1277 Kerala Thrissur Kanjani Ph : 0487 - 2639600 / 3251005 1278 Kerala Thrissur Karalam Ph : 0480 - 2887799 / 0487 - 3256097 1279 Kerala Thrissur Katoor Ph : 0480 - 2870016 / 3202451 1280 Kerala Thrissur Kechery Ph : 04885 - 242644 / 325277 1281 Kerala Thrissur Kodakara Ph : 0480 - 2728441 / 3295790 1282 Kerala Thrissur Kodali Ph : 0480 - 2744024 / 3208232 1283 Kerala Thrissur Koorkenchery Ph : 0487 - 2428439 / 3244291 1284 Kerala Thrissur Kuttanellur Ph : 0487 - 2354298 / 3269785 1285 Kerala Thrissur Kuzhur Ph : 0480 - 2776303 / 3243849 1286 Kerala Thrissur M. G. Road Thrissur (PeRSoNAL LoAN) Ph : 0487 - 2385725 / 3104887 1287 Kerala Thrissur Mannuthy Ph : 0487 - 2370775 / 3212577 1288 Kerala Thrissur Mapranam Ph : 0480 - 2822202 / 3256264 1289 Kerala Thrissur Mayannoor Ph : 04884 - 285285 / 323811 1290 Kerala Thrissur Meloor Ph : 0480 - 2739250 / 3208914 1291 Kerala Thrissur Mullassery Ph : 0487 - 2262784 / 3246739 1292 Kerala Thrissur Mullurkara Ph : 04884 - 272680 / 322951 1293 Kerala Thrissur Mundoor Ph : 0487 - 2215544 / 3259732 1294 Kerala Thrissur Muthenmavu Ph : 0487 - 2502405 / 3248516 1295 Kerala Thrissur Muthuvara Ph : 0487 - 2304997 / 3243946 1296 Kerala Thrissur Naikanal Trichur Ph : 0487 - 2335544 / 3255966 1297 Kerala Thrissur Palakkal Ph : 0487 - 2346799 / 3211021 1298 Kerala Thrissur Paramelpady Ph : 04884 - 286788 / 321762 1299 Kerala Thrissur Pattikkad Ph : 0487 - 2283018 / 3246743 1300 Kerala Thrissur Pavaratty Ph : 0487 - 2640290 / 3267124 1301 Kerala Thrissur Pazhayannur Ph : 04884 - 226824 / 324024 1302 Kerala Thrissur Pazhuvil Ph : 0487 - 2270411 / 3254642 1303 Kerala Thrissur Perambra Tcr Ph : 0480 - 2723103 / 3275717 1304 Kerala Thrissur Perumbilavu Ph : 04885 - 289272 / 320855 1305 Kerala Thrissur Poyya Ph : 0480 - 2893255 / 3208940 1306 Kerala Thrissur Pudukkad Ph : 0480 - 2756647 / 3200045 1307 Kerala Thrissur Punnamparambu Ph : 04884 - 268200 / 322962 1308 Kerala Thrissur S.N.Puram Ph : 0480 - 2859999 / 3205168 1309 Kerala Thrissur Sakthan Bus Stand Ph : 0487 - 2442085 / 3256254 1310 Kerala Thrissur T K S Puram Ph : 0480 - 2811413 / 3208636 1311 Kerala Thrissur Talikulam Ph : 0487 - 2392141 / 3252800 1312 Kerala Thrissur Tana - Irinjalakuda Ph : 0480 - 2824113 / 3276500 1313 Kerala Thrissur Thalore Ph : 0487 - 2351132 / 3101350 1314 Kerala Thrissur Thiroor TCR Ph : 0487 - 2206710 / 3243931 1315 Kerala Thrissur Thiruvilwamala Ph : 04884 - 283818 / 324949 1316 Kerala Thrissur Triprayar Ph : 0487 - 2392663 / 3258731 1317 Kerala Thrissur Trithallur Ph : 0487 - 2606525 / 3264636 1318 Kerala Thrissur Varandarappilli Ph : 0480 - 2763731 / 3202844 1319 Kerala Thrissur Vellangallur Ph : 0480-2867358/ 32747441320 Kerala Wayanad Chundale Ph : 04936 - 201166 / 347150 1321 Kerala Wayanad kalpatta Ph : 04936 - 204384 / 324689 1322 Kerala Wayanad Mananthavady Ph : 04935 - 246747 / 322268 1323 Kerala Wayanad Pulpally Ph : 04936 - 240004 / 319500 1324 Kerala Wayanad Sulthanbathery Ph : 04936 - 222893 / 312020 1325 Madhya Pradesh Bhopal Agarsen Chowk Ph : 0755 - 2739363 / 3200626 / 4249749 1326 Madhya Pradesh Bhopal Arera Colony Bhopal Ph : 0755 - 2569951 / 3244917 / 4289017 1327 Madhya Pradesh Bhopal Ashok Garden Bhopal Ph : 0755 - 2759896 / 3244938 1328 Madhya Pradesh Bhopal Ayodhya Nagar Bhopal Ph : 0755 - 2625877 / 3200634 / 4055762 1329 Madhya Pradesh Bhopal Bairagarh Ph : 0755 - 2660415 / 3200657 1330 Madhya Pradesh Bhopal Chunabathi Ph : 0755 - 2411002 / 3208980 1331 Madhya Pradesh Bhopal Hamidia Road Ph : 0755 - 2738439 / 3260301 1332 Madhya Pradesh Bhopal Indrapuri Ph : 0755 - 2680455 / 3244943 1333 Madhya Pradesh Bhopal Karodh Ph : 0755 - 2740300 / 3245546 / 3050586 1334 Madhya Pradesh Bhopal Kolar Road Ph : 0755 - 2492986 / 3244954 1335 Madhya Pradesh Bhopal M P Nagar Bhopal Ph : 0755 - 2559771 / 3244934 1336 Madhya Pradesh Bhopal Misrod Bhopal Ph : 0755 - 2499922 / 3244936 1337 Madhya Pradesh Bhopal New Market Site Ph : 0755 - 2775993 / 3206412 1338 Madhya Pradesh Bhopal Raisen Road,Bhopal Ph : 0755 - Nil / 3206413 1339 Madhya Pradesh Dewas Dewas Ph : 07272 - 250053 / 324754 1340 Madhya Pradesh Gwalior Inderganj Gwalior Ph : 0751 - 2450465 / 3221505 1341 Madhya Pradesh Gwalior Khedapati Road Gwalior Ph : 0751 - 4035310 / 3220514 1342 Madhya Pradesh Gwalior Morar Ph : 0751 - 2369390 / 4082991 1343 Madhya Pradesh Gwalior Thatipur Gwalior Ph : 0751 - 2239642 / 3220266 1344 Madhya Pradesh Gwalior Vinay Nagar Gwalior Ph : 0751 - 2490277 / 4035331 1345 Madhya Pradesh Gwalior Dustak Tazia Gwalior Ph : 0751- 3228091/ 40353021346 Madhya Pradesh Indore Annapurna Road Indore Ph : 0731 - 3221466 / 4066487 1347 Madhya Pradesh Indore Gumastha Nagar Ph : 0731 - Nil / 3220130 1348 Madhya Pradesh Indore Jawaharmarg Ph : 0731 - 2436844 / 3220343



Cash flow Statement


Auditors’ Report


BranchNetwork


1349 Madhya Pradesh Indore Maharani Road Ph : 0731 - Nil / 3220128 1350 Madhya Pradesh Indore Nai Sadak Ujjain Ph : 0734 - 2551340 / 3206297 1351 Madhya Pradesh Indore Ramachandra Nagar Ph : 0731 - 2610684 / 3220097 1352 Madhya Pradesh Indore Sapna Sangeetha Road Indore Ph : 0731 - 2760021 / 3228520 1353 Madhya Pradesh Indore Yeswant Nivas Road Indore Ph : 0731 - Nil / 3194757 1354 Madhya Pradesh Jabalpur Gorakhpur Ph : 0761 - 2400251 / 3240040 / 4008935 1355 Madhya Pradesh Jabalpur Labour Chowk Jabalpur Ph : 0761 - 2416115 / 3264890 1356 Madhya Pradesh Jabalpur Malviya Chowk Jabalpur Ph : 0761-2410048 / 3264891 1357 Madhya Pradesh Jabalpur Ranji Bazar Jabalpur Ph : 0761 - 2430076 / 3264378 1358 Madhya Pradesh Raisen Mandideep Bhopal Ph : 07480 - 233988 / 0748 - 9812667 1359 Madhya Pradesh Sagar Gujarati Bazar Ph : 07582 - 220031 / 327996 1360 Madhya Pradesh Sagar Prakuta Bazar Sagar Ph : 07582 - 243021 / 321894 1361 Madhya Pradesh Sehore Aastha-Sehore Ph : 07560 - 240910 / 09329535213 1362 Madhya Pradesh Sehore Sehore Ph : 07562 - 406227 / 324926 1363 Madhya Pradesh Ujjain Dewas Road Ujjain Ph : 0734 - 2525154 / 3206538 1364 Madhya Pradesh Ujjain free Ganj Ujjain Ph : 0734 - 2531114 / 4061319 1365 Madhya Pradesh Ujjain Indore Road Ujjain Ph : 0734 - 2524757 / 3206293 1366 Madhya Pradesh Ujjain Mundra Colony Ujjain Ph : 0734 - 2551336 / 3206296 1367 Maharashtra Ahmed Nagar Telikund Ahmed Nagar Ph : 0241 - 2320112 / Nil 1368 Maharashtra Akola Income Tax,Chowk Ph : 0724 - 2454644 / 3202415 1369 Maharashtra Akola Jathar Peth Ph : 0724 - 2450333 / 3202414 1370 Maharashtra Akola Vidhyanagar Akola Ph : 0724 - 2454655 / 3202382 1371 Maharashtra Amaravati Ravi Nagar Amaravati Ph : 0721 - 2565897 / 3240014 1372 Maharashtra Aurangabad Chikalthana Aurangabad Ph : 0240 - Nil / 3209430 1373 Maharashtra Aurangabad CIDCo N-8 Aurangabad Ph : 0240 - 2488578 / 3240935 1374 Maharashtra Aurangabad Garkhed Aurangabad Ph : 0240 - 2453331 / 3242836 1375 Maharashtra Aurangabad Kranti Chowk Aurangabad Ph : 0240 - 2351186 / 3240480 1376 Maharashtra Aurangabad Pundlik Nagar Aurangabad Ph : 0240 - 2451479 / 3240520 1377 Maharashtra Aurangabad Railway Station Road Aurangabad Ph : 0240 - Nil / 3242950 1378 Maharashtra Aurangabad Thilakpath Aurangabad Ph : 0240 - 2350172 / 3240701 1379 Maharashtra Kolhapur Kolhapur Thararani Chowk Ph : 0231 - 2653997 / 3201101 1380 Maharashtra Mumbai Ghatkopar Ph : 022 - 25113997 / 32207948 1381 Maharashtra Mumbai Masjid Bunder Ph : 022 - 32208014 / 40237206 1382 Maharashtra Mumbai Sakinaka Ph : 022 - 28514572 / 32573539 1383 Maharashtra Mumbai Vikhroli W Ph : 022 - 25786789 / 31920021 1384 Maharashtra Nagpur Abab Colony Ph : 0712 - 2589750 / 3224727 1385 Maharashtra Nagpur Bheem Chowk Ph : 0712 - 2655907 / 3273015 1386 Maharashtra Nagpur Dattarye Nagar Ph : 0712 - Nil / 3223680 1387 Maharashtra Nagpur Gandhibagh Ph : 0712 - 2730801 / 3209315 1388 Maharashtra Nagpur Ghittigardan Ph : 0712 - 2596879 / 3255415 1389 Maharashtra Nagpur Hingana Road Ph : 0712 - 2246766 / 3255158 1390 Maharashtra Nagpur Kamalchowk Ph : 0712 - 2630410 / 3257152 1391 Maharashtra Nagpur Kamptee Ph : 07109 - 282536 / 320350 1392 Maharashtra Nagpur Pardi Square Nagpur Ph : 0712 - 2681001 / 3223760 1393 Maharashtra Nagpur Rameshwary Road Nagpur Ph : 0712 - Nil / 3223830 1394 Maharashtra Nagpur Shegaon Naka Amaravati Ph : 0721 - 2550373 / 3240081 1395 Maharashtra Nagpur Wardha Ph : 07152 - 240253 / 327690 1396 Maharashtra Nagpur Wardhaman Nagar Ph : 0712 - 2773044 / 3222655 1397 Maharashtra Nashik Cidco Ph : 0253 - 2379946 / 3240050 1398 Maharashtra Nashik Deolali Nasik Ph : 0253 - 2497555 / 3209831 1399 Maharashtra Nashik Nasik Road Ph : 02533 - 204530 / 0253 - 3058147 1400 Maharashtra Nashik Panchavati Nasik Ph : 0253 - 2629915 / 3266317 1401 Maharashtra Nashik Sarada Circle Ph : 0253 - 2509831 / 3203800 1402 Maharashtra Nashik Shivaji Nagar Nasik Ph : 0253 - 2419827 / 3202952 1403 Maharashtra Pune Akrudi Pune Ph : 020 - Nil / 32342402 1404 Maharashtra Pune Baner Balewadi Phata Ph : 020 - Nil / 32319942 1405 Maharashtra Pune Bhavanipet Ph : 020 - 26381804 / 32316608 1406 Maharashtra Pune Bhosari Ph : 020 - Nil / 32317601 1407 Maharashtra Pune Chakan, Pune Ph : 02135 - Nil / 310515 1408 Maharashtra Pune Chandan Nagar Main Road Ph : 020 - 27012833 / 32318415 1409 Maharashtra Pune Chinchwad Ph : 020 - 27353349 / 32601988 1410 Maharashtra Pune Dange Chowk Ph : 020 - 27272105 / 32317628 1411 Maharashtra Pune Dhankawadi Ph : 020 - 24368021 / 32319712 1412 Maharashtra Pune fujewadi Dapodi Ph : 020 - 27148914 / 32919688 1413 Maharashtra Pune Gultekadi Market Ph : 020 - 24273312 / 32316482 1414 Maharashtra Pune Hadaspar Ph : 020 - 26810210 / 32318510 1415 Maharashtra Pune Kalewadi Pune Ph : 020 - 27275266 / 32317638 1416 Maharashtra Pune Kasarawadi Pune Ph : 020 - 64104651 / 32341314 1417 Maharashtra Pune Khadki Ph : 020 - 25824640 / 32100054 1418 Maharashtra Pune Kolhapur Bhagal Chowk Ph : 0231 - 2653371 / 3201436 1419 Maharashtra Pune Kondhawa Pune Ph : 020 - 26833527 / 32317607 1420 Maharashtra Pune Kumbarwada Ph : 020 - 24579140 / 32600027 1421 Maharashtra Pune M.G Road Pune Ph : 020 - 26334165 / 32319998 1422 Maharashtra Pune Narayangaon Ph : 02132 - 244111 / Nil



111

SLNO STATE DISTRICT BRANCh NAME PhONE NO 1423 Maharashtra Pune Nigadi Ph : 020 - 27655630 / 32600020 1424 Maharashtra Pune Pimpri Ph : 020 - 27412688 / 32316537 1425 Maharashtra Pune Sadasiv Peth Ph : 020 - 24485239 / 32341137 1426 Maharashtra Pune Sangvi Ph : 020 - 27286914 / 32317641 1427 Maharashtra Pune Senapati Bapat Road Ph : 020 - 25665961 / 32318416 1428 Maharashtra Pune Shukrawarpeth Ph : 020 - 24486226 / 32326747 1429 Maharashtra Pune Swathanthra Chowk Ph : 020 - 25455103 / 32317651 1430 Maharashtra Pune Tarabai Park Ph : 0231 - 2655122 / 3204911 1431 Maharashtra Pune Theragaon Ph : 020 - Nil / 32317678 1432 Maharashtra Pune Yerwada Ph : 020 - 26698356 / 32316469 1433 Maharashtra Pune east Pool Gate Pune Ph : 020- 32338897/ 30227296 1434 Maharashtra Pune Kathrej ,Pune Ph : 020-26959333/ 323197101435 Maharashtra Raigad Kharghar Ph : 022 - 27741115 / 32476113 1436 Maharashtra Ratnagiri Maruti Mandir Ph : 02352 - 227035 / 311677 1437 Maharashtra Sangli Gandhi Chowk Ph : 0233 - 2211036 / 3206896 1438 Maharashtra Sangli M G Road, Sangli Ph : 0233 - 2372651 / 3206910 1439 Maharashtra Sangli Sangli Ph : 0233 - 2324696 / 3200050 1440 Maharashtra Sangli Shivaji Putla Chowk ,Sangli Ph : 0233 - 2330080 / 3200207 1441 Maharashtra Sangli Visharam Bag Ph : 0233 - 2300506 / 3204711 1442 Maharashtra Satara Koregaon Satara Ph : 01263 - 220251 / Nil 1443 Maharashtra Satara Radhika Road Satara Ph : 02162 - 238175 / 327489 1444 Maharashtra Satara Raviwarpeth Satara Ph : 0216 - 2234225 / 327000 1445 Maharashtra Solapur Bus Stand Solapur Ph : 0217 - 2622355 / 3244059 1446 Maharashtra Solapur Siddeshwarpeth Solapur Ph : 0217 - Nil / 3244062 1447 Maharashtra Solapur VIP Road Solapur Ph : 0217 - 2315212 / 3244061 1448 Maharashtra Suburban Malad Ph : 022 - 28711291 / 32208178 1449 Maharashtra Thane Airoli Ph : 022 - 27603368 / 32479068 1450 Maharashtra Thane Ambernath Ph : 0251 - 2605612 / 3246898 1451 Maharashtra Thane Badlapur Ph : 0251 - 2675722 / 3208511 1452 Maharashtra Thane Bhiwandi Ph : 02522 - 222724 / 310717 1453 Maharashtra Thane Bhiwandi Dhamankar Naka Ph : 02522 - 252385 / 343998 1454 Maharashtra Thane Bhyandher Ph : 022 - 28186169 / 32207986 1455 Maharashtra Thane Dadapatilwadi, Thane Ph : 022 - 25393737 / 31924543 1456 Maharashtra Thane Dombivali Ph : 0251 - 2443578 / 3299753 1457 Maharashtra Thane Ghansoli Ph : 022 - 27546077 / 32484931 1458 Maharashtra Thane Kalyan Ph : 0251 - 2337757 / 3251341 1459 Maharashtra Thane Kalyan West Ph : 0251 - 2313775 / 3249422 1460 Maharashtra Thane Koperkhairane Sectore-19 Ph : 022 - 27541142 / 31929750 1461 Maharashtra Thane Mira Road Mumbai Ph : 022 - 28122243 / 32636803 1462 Maharashtra Thane Nerul Ph : 022 - Nil / 32557776 1463 Maharashtra Thane Thane Ph : 022 - 25393636 / 32455944 1464 Maharashtra Thane Titwala Ph : 0251 - 2381744 / 3230315 1465 Maharashtra Thane Vasai Ph : 0250 - 2348393 / 3259059 1466 Maharashtra Thane Vashi Ph : 022 - 27655565 / 32637793 1467 Maharashtra Thane Virar Ph : 0250 - Nil / 3211468 1468 Maharashtra Koparkhairne Ph : 022- 27545608/ 325232581469 orissa Angul Sanker Cinema Road Ph : 06764 - 2340004 / 329071 1470 orissa Balasore Police Line Chowk Ph : 06782 - 260873 / 327059 1471 orissa Baripada KC Circle Ph : 06792 - 252105 / 320221 1472 orissa Bhadrak Kachery Bazar Ph : 06784 - 240221 / 310416 1473 orissa Bhubaneswar Nayapalli Ph : 0674 - 2564042 / 3270417 1474 orissa Cuttack Bajrakabati Road Ph : 0671 - 2321706 / 3265432 1475 orissa Cuttack Big Bazar Ph : 0680 - 2251422 / 3200021 1476 orissa Cuttack Buxi Bazar Ph : 0671 - 2306343 / 3208645 1477 orissa Cuttack Chandi Mandir Ph : 0671 - 2304844 / 3268656 1478 orissa Cuttack Chouddhry Bazar Ph : 0671 2532995 / 3268030 1479 orissa Cuttack Choudwar Ph : 0671 - 2492288 / Nil 1480 orissa Cuttack College Square Ph : 0671 - 2525755 / 3268041 1481 orissa Cuttack Jagatpur,orissa Ph : 0671 - 2491300 / 3267960 1482 orissa Cuttack Kendrapara Ph : 06727 - 221311 / Nil 1483 orissa Cuttack Laxmi Sagar Chowk Ph : 0674 - 2573217 / Nil 1484 orissa Cuttack Nayabazar,Cuttack Ph : 0671 - 2444188 / 3268070 1485 orissa Cuttack Nuapatna Ph : 0671 - 2527755 / 3267952 1486 orissa Cuttack Salipur Ph : 0671 - 2352900 / 3268050 1487 orissa Cuttack Satichoura Chowk Ph : 0671 - 2364388 / 3208999 1488 orissa Dhenkanal Kanchan Bazar Ph : 0676 - 2326845 / 223431 1489 orissa Ganjam Aska Road Ph : 0680 - 2209775 / 3200114 1490 orissa Ganjam Aska,Laxmi Bazar Ph : 06822 - 271018 / 321251 1491 orissa Ganjam Berhampur 1 Ph : 0680 - 2212623 / 3200024 1492 orissa Ganjam Berhampur old Bus Stand Ph : 0680 - 2220523 / 3200019 1493 orissa Jagatsinghpur Durga Bazar Ph : 06724 – 220186 / 320120 1494 orissa Jajpur Chandikhol Ph : 06725 - 220093 / 326162 1495 orissa Jajpur Jajpur Road Ph : 06726 - 221241 / 9337218684 1496 orissa Jajpur Jajpur Town Ph : 06728 - 225341/ Nil 1497 orissa Jharsuguda Jharsiguda Ph : 06645 - 272640 / 9337378009


Cash flow Statement


Auditors’ Report


BranchNetwork


SLNO STATE DISTRICT BRANCh NAME PhONE NO 1498 orissa Khordha Ashok Nagar,orissa Ph : 0674 - 2535284 / 3274891 1499 orissa Khordha Jatni, Khurdha Ph : 0674 - 2490910 / 3274908 1500 orissa Khordha Khurda Ph : 067 - 55220354 / 91675531490 1501 orissa Khordha Rasulgarh Square Ph : 0674 - 2584264 / 32561249 1502 orissa Khordha Saheed Nagar Ph : 0674 - 2541514 / 3270118 1503 orissa Puri Pipili Ph : 06758 - 241945 / 9338434881 1504 orissa Puri Puri,orissa Ph : 06752 - 251088 / 324530 1505 orissa Sundergarh Sundergrah-Hospital Road Ph : 06622 - 272106 / 9338434873 1506 Pondichery Kannur Mahe Ph : 0490-2335860/ 32468111507 Pondichery Mahe Pallur Ph : 0490 - 2337576 / 3242930 1508 Pondichery Pondicherry Annasalai Pondicherry Ph : 0413 - 2340065 / 3248994 1509 Pondichery Pondicherry Kamaraj Salai Ph : 0413 - 2214081 / 3205502 / 4506323 1510 Pondichery Pondicherry Kathirkammam Ph : 0413 - 2276117 / 3249059 1511 Pondichery Pondicherry M.G. Road Pondicherry Ph : 0413 - 3191118 / 4210483 1512 Pondichery Pondicherry Marappalam Ph : 0413 - 2354117 / 3248995 1513 Pondichery Pondicherry Nehru Street Pondicherry Ph : 0413 - 234006 / 3249058 / 4201571 1514 Pondichery Pondicherry Nellithope Pondicherry Ph : 0413 - 2201117 / 3203848 1515 Pondichery Pondicherry Pondicherry Ph : 0413 - 2204081 / 3209425 1516 Punjab Amritsar Amritsar Ph : 0183 - 2224518 / 3222520 1517 Punjab Amritsar Hall Bazar Amritsar Ph : 0183 - 2535848 / 5014547 1518 Punjab Amritsar Putlighar Amritsar Ph : 0183 - 5099910 / Nil 1519 Punjab Gurdaspur Pathankot Dalhousie Road Ph : 0186 - 2220104 / 3204925 1520 Punjab Gurdaspur Pathankot Railway Road Ph : 0186 - 2228700 / 5080647 / 3204926 1521 Punjab Jalandhar Cantt Market Ph : 0181 - Nil / 3260164 1522 Punjab Jalandhar Kapurthala Road Ph : 0181 - 2650264 / 3241340 1523 Punjab Jalandhar Maksu Sadan Ph : 0181 - Nil / 3190221 1524 Punjab Jalandhar New Car Mahal Ph : 0181 - 5063142 / 3260941 1525 Punjab Jalandhar Rama Mandi Jalandhar Ph : 0181 - 2414176 / Nil 1526 Punjab Jalandhar Vijayanagar Ph : 0181 - 5013800 / 3261476 1527 Punjab Kapurthala Phagwara ohri Tower Ph : 01824 - 220262 / 321163 1528 Punjab Ludhiyana Dashmesh Nagar Ph : 0161 - 3298862 / 5045821 1529 Punjab Ludhiyana focal Point Ph : 0161 - 2671141 / 3298130 / 4411243 1530 Punjab Ludhiyana Ram Nagar Ludhiana Ph : 0161 - Nil / 3224373 1531 Punjab Ludhiyana Vivek Nagar Ph : 0161 - 5069669 / 3225089 1532 Punjab Navansahar Nawanshahr Bus Stand Chowk Ph : 01823 - Nil / 322859 1533 Punjab Patiala Akash Avenue Ph : 0183 - 5099909 / Nil 1534 Punjab Patiala Patiala Ph : 0175 - 2304264 / 3202408 1535 Punjab Patiala Rajpura Ph : 01762 - 240383 / 322654 1536 Punjab Sas Nagar Mohali Ph : 0172 - 5013948 / 3205443 1537 Rajasthan Ajmer Madanganj Kishan Garh Ph : 0146 - Nil / 3326042 / 3510034 1538 Rajasthan Ajmer Ramganj Ajmer Ph : 0145 - 2691666 / 3209280 1539 Rajasthan Alwar Manumarg Alwar Ph : 0144 - 2702271 / 3203030 1540 Rajasthan Alwar Road No.2 Alwar Ph : 0144 - 2703382 / 3203006 1541 Rajasthan Bhilwara Gandhi Nagar Bhilwara Ph : 01482 - 246120 / 311107 1542 Rajasthan Bhilwara Shastri Nagar Bhilwara Ph : 01482 - 250536 / 312052 1543 Rajasthan Bhilwara Subhash Nagar Bhilwara Ph : 01482 - 230361 / 312119 1544 Rajasthan Bikaner Adarsh Colony Ph : 0151 - Nil / 3243800 1545 Rajasthan Bikaner Panch Shati Circle Ph : 0151 - Nil / 3243798 1546 Rajasthan Chittaurgarh Bappunagar Chittosgarh Ph : 01472 - 2470802 / 325956 1547 Rajasthan Ganganagar Raveendra Path Ph : 0154 - 2484568 / 3200820 1548 Rajasthan Ganganagar Shukharia Circle Ph : 0154 - 2486775 / 3200821 1549 Rajasthan Hanumangarh Baba Shyam Singh Colony Ph : 01552 - 269422 / 320484 1550 Rajasthan Hanumangarh Bus Stand Gate Hanumangarh Ph : 01552 - 231066 / 9314108126 1551 Rajasthan Jaipur Brahmpuri Jaipur Ph : 0141 - 2410336 / 3137641 1552 Rajasthan Jaipur DCM Ajmer Road Ph : 0141 - Nil / 3137343 1553 Rajasthan Jaipur Gopalpura Jaipur Ph : 0141 - 2700021 / 3137006 1554 Rajasthan Jaipur Jagatpura Jaipur Ph : 0141 - 2750375 / 3150211 1555 Rajasthan Jaipur Jaipur Sindi Camp Ph : 0141 - 2200779 / 3299719 1556 Rajasthan Jaipur Jhotwara Ph : 0141 - 2343818 / 3140996 1557 Rajasthan Jaipur Mahesh Nagar Jaipur Ph : 0141 - Nil / 3198844 1558 Rajasthan Jaipur Mansarovar Ph : 0141 - Nil / 3137022 1559 Rajasthan Jaipur Muralipura Ph : 0141 - 2233673 / 3141406 1560 Rajasthan Jaipur Nagarpalika Link Road Ph : 0294 - 2411075 / 3263775 1561 Rajasthan Jaipur Rajapark Ph : 0141 - 2625191 / 3159788 1562 Rajasthan Jaipur Sanganer Ph : 0141 - 2732980 / 3140995 1563 Rajasthan Jaipur Shahpura Ph : 01422 - 225470 / 3237744 1564 Rajasthan Jaipur Shastri Nagar Jaipur Ph : 0141 - 2280116 / 3137730 1565 Rajasthan Jaipur Syam Nagar Ph : 0141 - 2290474 / 3150139 1566 Rajasthan Jaipur Vkia Jaipur Ph : 0141 - 2330235 / 3150017 1567 Rajasthan Jaipur Vyshali Nagar Jaipur Ph : 0141 - Nil / 3150210 1568 Rajasthan Jaipur Prathap Nagar Jaipur Ph : 0141 - 3191600 / 27900721569 Rajasthan Jhunjhunu Jhunjhunu Road No. 1 Ph : 01592 - 239583 / 324247 1570 Rajasthan Jodhpur Aakliya Circlr, Jodhpur Ph : 0291 - 2641661 / 3265051 1571 Rajasthan Kota Guman Pura Ph : 0744 - 2391726 / 3208405 1572 Rajasthan Kota Keshavapura Kotta Ph : 0744 - 2400014 / 3208476


113

1573 Rajasthan Kota Kotta Junction Ph : 0744 - 2461294 / 3208725 1574 Rajasthan Kota Nayapura Kotta Ph : 0744 - 2320871 / 9309408722 1575 Rajasthan Nagaur Thahasil Chowk Ph : 01582 - 244865 / 320299 1576 Rajasthan Pali Mandia Road Ph : 02932 - 222730 / 320975 1577 Rajasthan Pali Surajpole Pali Ph : 02932 - 222754 / 320964 1578 Rajasthan Sikar Bajaj Road Sikar Ph : 01572 - Nil / 327920 1579 Rajasthan Sirohi Sirohi Rajasthan Ph : 02972- 22203/ 3209321580 Rajasthan Tonk Agrasen Circle Ph : 01432 - 253025 / 320601 1581 Rajasthan Tonk Deoli Tonk Ph : 01434 - 230304 / 9314117410 1582 Rajasthan Udaipur Hiran Mangri Udaipur Ph : 0294 - 2460838 / 3209630 1583 Rajasthan Udaipur Prathap Nagar Udaipur Ph : 0294 - 2490336 / 3263778 1584 Rajasthan Udaipur Toran Bawdi Udaipur Ph : 0294 - 2410688 / 3200794 1585 Tamil Nadu Ariyalur Ariyalur Ph : 04329 - 220199 / 320630 1586 Tamil Nadu Chennai Adambakkam Ph : 044 - 22450982 / 32468963 1587 Tamil Nadu Chennai Adayar Ph : 044 - 24405542 / 32521123 1588 Tamil Nadu Chennai Alandur MKN Road Ph : 044 - 22330057 / 32219482 / 45410913 1589 Tamil Nadu Chennai Alwar Thiru Nagar Ph : 044 - 23773768 / 32018664 1590 Tamil Nadu Chennai Ambattur Ph : 044 - 26585325 / 32219530 1591 Tamil Nadu Chennai Ambedkar Nagar Chennai Ph : 044 - Nil / 32219301 1592 Tamil Nadu Chennai Aminjikarai Ph : 044 - 26644349 / 32219510 1593 Tamil Nadu Chennai Annanagar Chennai Ph : 044 - 26203484 / 32961982 1594 Tamil Nadu Chennai Annanagar east Ph : 044 - 26208832 / 32018665 1595 Tamil Nadu Chennai Arakkonam Ph : 04177 - 230196 / 310002 1596 Tamil Nadu Chennai Ayanavaram Ph : 044 - 26742092 / 32006343 1597 Tamil Nadu Chennai Ayyappan Thangal Ph : 044 - 24764434 / 32018754 1598 Tamil Nadu Chennai B B Road Junction, Vyasarpadi Ph : 044 - 25510603 / 32219622 1599 Tamil Nadu Chennai Broadway Ph : 044 - 25214520 / 32219811 1600 Tamil Nadu Chennai Chetput Chennai Ph : 044 - 28361326 / 32018720 1601 Tamil Nadu Chennai Chinmaya Nagar Chennai Ph : 044 - 24791404 / 32219010 1602 Tamil Nadu Chennai Chormpet Ph : 044 - Nil / 32214819 1603 Tamil Nadu Chennai Chromepet Ph : 044 - 22386066 / 32476324 1604 Tamil Nadu Chennai egmore Ph : 044 - 28191606 / 31921145 / 2147504 1605 Tamil Nadu Chennai ennore Chennai Ph : 044 - 25750477 / 32210925 1606 Tamil Nadu Chennai Gemini Mount Road Ph : 044 - 24363176 / 32219582 / 42104054 1607 Tamil Nadu Chennai Golden George Nagar Ph : 044 - Nil / 32214814 1608 Tamil Nadu Chennai Gopal Reddy Colony Ph : 044 - 26705160 / 32537582 1609 Tamil Nadu Chennai Govindhan Road Chennai Ph : 044 - 24741466 / 32019237 / 43302446 1610 Tamil Nadu Chennai ICf Colony Athipet Ph : 044 - 26821505 / 32219505 1611 Tamil Nadu Chennai Kaladipet Ph : 044 - 25993895 / 32536672 1612 Tamil Nadu Chennai Kannadasan Nagar Chennai Ph : 044 - 25545007 / 32219602 1613 Tamil Nadu Chennai Karambakkam Ph : 044 - 24766602 / 32019289 1614 Tamil Nadu Chennai Kolathur Ph : 044 - 25562996 / 32214966 1615 Tamil Nadu Chennai Kolathur Market Ph : 044 - 25500038 / 32210255 1616 Tamil Nadu Chennai Koyambedu Ph : 044 - 29312535 / 32018660 1617 Tamil Nadu Chennai Krishnamoorthi Nagar Ph : 044 - 25545005 / 32018688 / 42809401 1618 Tamil Nadu Chennai M M D A Colony Ph : 044 - 23634550 / 32018668 1619 Tamil Nadu Chennai M T H Road , Villivakkam Chennai Ph : 044 - 26171058 / 32010942 1620 Tamil Nadu Chennai M. C. Road (old Washermen Pet) Ph : 044 - 25955150 / 32219554 1621 Tamil Nadu Chennai Madavaram High Road Ph : 044 - 25594774 / 32528438 1622 Tamil Nadu Chennai Madippakkam Ph : 044 - 22584779 / 32018698 1623 Tamil Nadu Chennai Maduravoyal erikkarai Ph : 044 - 23781005 / 32214460 1624 Tamil Nadu Chennai Manali Ph : 044 - 25940605 / 32018839 1625 Tamil Nadu Chennai Metha Nagar Ph : 044 - 23743114 / 32018625 / 42186238 1626 Tamil Nadu Chennai MGR Nagar Manali Ph : 044 - 25940044 / 32219506 1627 Tamil Nadu Chennai Minjur Ph : 044 - 27935345 / 37904512 1628 Tamil Nadu Chennai Mogappair Ph : 044 - 26530940 / 32214501 1629 Tamil Nadu Chennai Moolakkadai Market Ph : 044 - 25584575 / 32018721 1630 Tamil Nadu Chennai Moulivakkam Ph : 044 - 23821467 / 32018770 1631 Tamil Nadu Chennai Mudichur Road Ph : 044 - 22263500 / 32018650 1632 Tamil Nadu Chennai Mugappair east Ph : 044 - 26563478 / 32018656 1633 Tamil Nadu Chennai Muthamil Nagar Ph : 044 - 25549096 / 32538140 1634 Tamil Nadu Chennai Mylapore Ph : 044 - 24671252 / 32018873 1635 Tamil Nadu Chennai Nadhamuni Chennai Ph : 044 - 26172800 / 32019322 1636 Tamil Nadu Chennai Nanganallore Ph : 044 - 22244474 / 32017173 / 43588497 1637 Tamil Nadu Chennai Nanganallur fourth Main Road Ph : 044 - 22244524 / 32974123 1638 Tamil Nadu Chennai Nazarathpettai Branch Ph : 044 - 26492380 / 32214701 1639 Tamil Nadu Chennai Nelson Manickam Road Ph : 044 - 42686073 / 32215102 1640 Tamil Nadu Chennai New Secretariate Triplicane Ph : 044 - 28545384 / 32219772 1641 Tamil Nadu Chennai New Washermanpet Ph : 044 - 25916625 / 32018722 1642 Tamil Nadu Chennai North Usman Road Ph : 044 - 28345534 / 32018810 1643 Tamil Nadu Chennai old Washermanpet Ph : 044 - 25982476 / 32962425 1644 Tamil Nadu Chennai otteri Chennai Ph : 044 - 26621618 / 32219572 1645 Tamil Nadu Chennai Padi Ph : 044 - 26242718 / 32018646 1646 Tamil Nadu Chennai Palavakkam Ph : 044 - 24515501 / 32018752 1647 Tamil Nadu Chennai Pallavaram Ph : 044 - 22644166 / 32018655



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1648 Tamil Nadu Chennai Paper Mills Road Perambur Ph : 044 - 32018718 / 42769792 1649 Tamil Nadu Chennai Parrys Ph : 044 - 25380489 / 32476099 1650 Tamil Nadu Chennai Parrys Corner (foReX) Ph : 044 - 25330761 / 32022515 1651 Tamil Nadu Chennai Pattalam Ph : 044 - 32018667 / 43599393 1652 Tamil Nadu Chennai Perambur Ph : 044 - 25522155 / 32025045 1653 Tamil Nadu Chennai Perumkudi oMR Chennai Ph : 044 - 24963282 / 32219808 1654 Tamil Nadu Chennai Pondy Bazar Ph : 044 - 24669910 / 32018639 1655 Tamil Nadu Chennai Ponneri Chennai Ph : 044 - 27971277 / 37904463 1656 Tamil Nadu Chennai Poonamalle High Road Koyambedu Ph : 044 - 24791389 / 0463 - 3324407 1657 Tamil Nadu Chennai Purasawalkam Ph : 044 - 26431138 / 32018910 1658 Tamil Nadu Chennai Raja Annamalaipuram Ph : 044 - 24618131 / 32215031 1659 Tamil Nadu Chennai Ramapuram Ph : 044 - 22490424 / 32538573 1660 Tamil Nadu Chennai Rangarajapuram Ph : 044 - 24848903 / 32012382 1661 Tamil Nadu Chennai Royapuram Ph : 044 - 25987440 / 32018679 1662 Tamil Nadu Chennai Saidapet Ph : 044 - 24330814 / 32018616 1663 Tamil Nadu Chennai Saligramam Ph : 044 - 23763581 / 32019913 1664 Tamil Nadu Chennai Sembiam Ph : 044 - 25590021 / 32018629 1665 Tamil Nadu Chennai South West Boag Road Ph : 044 - 24338789 / 32018696 1666 Tamil Nadu Chennai Sowcarpet Ph : 044 - 25330737 / 32018856 / 42370923 1667 Tamil Nadu Chennai T Nagar Ph : 044 - 24338140 / 32419941 1668 Tamil Nadu Chennai Teynampet Chennai Ph : 044 - 24341839 / 32962026 1669 Tamil Nadu Chennai Thambu Chetty Street Ph : 044 - 25262992 / 32018684 1670 Tamil Nadu Chennai Thirumullaivoyal Ph : 044 - 26382616 / 32018823 / 42839178 1671 Tamil Nadu Chennai Thiruvanmiyur Ph : 044 - 24455681 / 32018830 1672 Tamil Nadu Chennai Thiruvikanagar Ph : 044 - 26705160 / 32537582 1673 Tamil Nadu Chennai Thiruvottiyur Ph : 044 - 25732439 / 32018674 1674 Tamil Nadu Chennai Thousand Light Ph : 044 - 28293225 / 32019917 1675 Tamil Nadu Chennai Triplicane Ph : 044 - 28472366 / 32018617 1676 Tamil Nadu Chennai Valasaravakkam Ph : 044 - 24862816 / 32019315 1677 Tamil Nadu Chennai Vanagaram Branch Ph : 044 - 29001144 / 32214807 1678 Tamil Nadu Chennai Vatapalany Chennai Ph : 044 - 24727372 / 32961983 1679 Tamil Nadu Chennai Velachery Ph : 044 - 22431774 / 32018618 / 42106647 1680 Tamil Nadu Chennai Vellalar Street,Mogappair West Ph : 044 - 26246615 / 32477364 1681 Tamil Nadu Chennai Villupuram Ph : 04146 - 222167 / 312738 1682 Tamil Nadu Chennai Villuvakkam Ph : 044 - 26176411 / 32219612 1683 Tamil Nadu Chennai Vinayakapuram Chennai Ph : 044 - 25655155 / 32214810 1684 Tamil Nadu Chennai Virugampakam Ph : 044 - 32019321 / 42016276 1685 Tamil Nadu Chennai Virugampakam Avichi School Ph : 044 - 23770466 / 32413338 1686 Tamil Nadu Chennai Wall Tax Road Chennai Ph : 044 - 25292327 / 32018845 1687 Tamil Nadu Chennai West Jones Road ,West Saidapet Ph : 044 - 24713493 / 32219822 1688 Tamil Nadu Chennai West Mambalam Ph : 044 - 24749039 / 32018753 1689 Tamil Nadu Chennai Kumanan Chavdi Ph : 0442-322197661690 Tamil Nadu Coimbatore Alandurai Coimbatore Ph : 0422 - 2651166 / 3220845 1691 Tamil Nadu Coimbatore Avinashi Ph : 04296 - 271270 / 324422 1692 Tamil Nadu Coimbatore Chettipalayam Coimbatore Ph : 0422 - 2655027 / Nil 1693 Tamil Nadu Coimbatore eachanari Coimbatore Ph : 0422 - 2670062 / 3220350 1694 Tamil Nadu Coimbatore Ganapathi Ph : 0422 - 2530255 / 3255458 1695 Tamil Nadu Coimbatore Ganapathi Rajendraprasad Street Ph : 0422 - 4512324 / 3219597 1696 Tamil Nadu Coimbatore Gandhi Park Ph : 0422 - 2435803 / 3220113 1697 Tamil Nadu Coimbatore Gandhipuram Coimbatore Ph : 0422 - 2492680 / 3297899 1698 Tamil Nadu Coimbatore Kamarajar Road Ph : 0422 - 2573383 / 4275909 / 3220313 1699 Tamil Nadu Coimbatore Kavundampalayam Ph : 0422 - 2458495 / 4371114 1700 Tamil Nadu Coimbatore KINATHUKADAVU Ph : 04259 - 241211 / 311089 1701 Tamil Nadu Coimbatore Kuniyamuthur Ph : 0422 - 2250019 / 3219772 1702 Tamil Nadu Coimbatore Mettupalayam Ph : 04254 - 220264 / 320885 1703 Tamil Nadu Coimbatore Narasimha Palayam Ph : 0422 - 2462307 / 3221342 1704 Tamil Nadu Coimbatore oppanakkara Coimbatore Ph : 0422 - 2305857 / 3297901 1705 Tamil Nadu Coimbatore P.N.Pudur Coimbatore Ph : 0422 - 2441487 / 3220511 / 4342847 1706 Tamil Nadu Coimbatore Palladam Ph : 04255 - 255077 / 320430 1707 Tamil Nadu Coimbatore Periyanaikkanpalay Ph : 0422 - 2696932 / 3268332 1708 Tamil Nadu Coimbatore Podanur Ph : 0422 - 2411095 / 3219902 1709 Tamil Nadu Coimbatore Pollachi Ph : 04259 - 223492 / 325906 1710 Tamil Nadu Coimbatore Raja Street Ph : 0422 - 2304383 / 3219776 1711 Tamil Nadu Coimbatore Ramanathapuram Ph : 0422 - 2317288 / 3297898 1712 Tamil Nadu Coimbatore Rathinapuri Coimbatore Ph : 0422 - 2527740 / 3221309 1713 Tamil Nadu Coimbatore Saibaba Colony Ph : 0422 - 2458086 / 3207037 1714 Tamil Nadu Coimbatore Sidhapudur Ph : 0422 - 2240644 / 3220054 1715 Tamil Nadu Coimbatore Sivanandapuram Saravanampatti Ph : 0422 - 2666091 / 3197125 1716 Tamil Nadu Coimbatore Somanur Coimbatore Ph : 0421 - 2332021 / 3268600 1717 Tamil Nadu Coimbatore Sowripalayam Coimbatore Ph : 0422 - 2591697 / 3220312 1718 Tamil Nadu Coimbatore Sundarapuram Ph : 0422 - 2670585 / 4279385 1719 Tamil Nadu Coimbatore Thudiyalur Ph : 0422 - 2644125 / 3221303 1720 Tamil Nadu Coimbatore Tiruppur P.N Road Ph : 0421 - 2474639 / 3260016 1721 Tamil Nadu Coimbatore Tirupur Ph : 0421 - 2231107 / 3299311 1722 Tamil Nadu Coimbatore Udumalpet Ph : 04252 - 229998 / 320535



115

1723 Tamil Nadu Coimbatore Venkataramanan Street Polllachi Ph : 04259 - 235423 / 311086 1724 Tamil Nadu Cuddalor Cuddalore Ph : 04142 - 289299 / 329195 1725 Tamil Nadu Cuddalor Nellikkuppam Cuddalore Ph : 04142 - 271121 / 346096 1726 Tamil Nadu Cuddalore South Car Street Ph : 04144 - 225020 / 313122 1727 Tamil Nadu Dharmapuri Palacode, Dharmapuri Ph : 04348 - 222601 / 326654 1728 Tamil Nadu Dharmapuri Pappireddipatti Ph : 04346 - 246077 / 324123 1729 Tamil Nadu Dharmapuri Pennagaram Dharmapuri Ph : 04342 - 254034 / 322800 1730 Tamil Nadu Dindigul Betlagundu Ph : 04543 - 264533 / 320772 1731 Tamil Nadu Dindigul Dindigul Ph : 0451- 2440789 / 3204887 1732 Tamil Nadu Dindigul Gujiliampara Dindigul Ph : 04551 - 234064 / 320144 1733 Tamil Nadu Dindigul Natham Ph : 04544 - 246093 / 320111 1734 Tamil Nadu Dindigul oddanchatram Ph : 04553 - 243359 / 320550 1735 Tamil Nadu Dindigul Palani Ph : 04545 - 244055 / 320069 1736 Tamil Nadu Dindigul Palani Rf Road Ph : 04545 - 244054 / 326990 1737 Tamil Nadu Dindigul Palani Road ,Dindigul Ph : 0451 - 2424432 / 3205030 1738 Tamil Nadu erode Anthiyur erode Ph : 04256 - 262660 / 321525 1739 Tamil Nadu erode Appakudal erode Ph : 04256 - 246211 / 321526 1740 Tamil Nadu erode Bhavani Ph : 04256 - 233234 / 320003 1741 Tamil Nadu erode Bhavani Mettur Road Ph : 04256 - 230458 / 321527 1742 Tamil Nadu erode Dharapuram Ph : 04258 - 221081 / 320882 1743 Tamil Nadu erode erode Ph : 0424 - 2266405 / 3256105 1744 Tamil Nadu erode erode Perundurai Road Ph : 0424 - 2266403 / 3249785 1745 Tamil Nadu erode Gobichettipalayam Ph : 04285 - 228668 / 321544 1746 Tamil Nadu erode Kangayam Ph : 04257 - 222040 / 325521 1747 Tamil Nadu erode Nachiyappa Road Ph : 0424 - 2256403 / 3249790 1748 Tamil Nadu erode Perundurai erode Ph : 04294 - 220166 / 325576 1749 Tamil Nadu erode Punjaipuliyampatti Ph : 04295 - 269546 / 320810 1750 Tamil Nadu erode Sathy Road erode Ph : 0424 - 2211652 / 3200377 1751 Tamil Nadu erode Sathyyamangalam Ph : 04295 - 220051 / 320655 1752 Tamil Nadu erode Sivagiri erode Ph : 04204 - 240070 / 322111 1753 Tamil Nadu erode Soolai erode Ph : 0424 - 2290181 / 3249795 1754 Tamil Nadu erode Veerappanchatram Ph : 0424 - 2222494 / 3249789 1755 Tamil Nadu Kancheepuram Chengalpattu Ph : 044 - 27423426 / 37411819 1756 Tamil Nadu Kancheepuram Gandhi Nagar Kancheepuram Ph : 044 - 27237330 / 37219603 1757 Tamil Nadu Kancheepuram Guduvanchery Ph : 044 - 27466922 / 37418998 1758 Tamil Nadu Kancheepuram Kanathur Ph : 044 - 27444277 / 32219499 1759 Tamil Nadu Kancheepuram Karapakkam Ph : 044 - Nil / 32219522 1760 Tamil Nadu Kancheepuram Kasturba Nagar Adayar Ph : 044 - 24421073 / 32022521 1761 Tamil Nadu Kancheepuram Keelkattalai Ph : 044 - 22470969 / 32018695 1762 Tamil Nadu Kancheepuram Kelambakkam Ph : 044 - 27474368 / 32214602 1763 Tamil Nadu Kancheepuram Kottivakkam Ph : 044 - 24487880 / 32018829 1764 Tamil Nadu Kancheepuram Kovilambakkam Ph : 044 - 22681388 / 32219652 1765 Tamil Nadu Kancheepuram Krishna Nagar West Tambaram Ph : 044 - 22265303 / 32019323 1766 Tamil Nadu Kancheepuram Kundrathur Ph : 044 - 24780656 / 32020216 1767 Tamil Nadu Kancheepuram Mangadu Ph : 044 - 24762636 / 32018824 1768 Tamil Nadu Kancheepuram Medavakkam Chennai Ph : 044 - 22773626 / 32022512 1769 Tamil Nadu Kancheepuram Melmaruvathur Ph : 044 - 27528395 / 37502913 1770 Tamil Nadu Kancheepuram Nellukarai Street Kancheepuram Ph : 044 - 27233928 / 37210233 / 47201820 1771 Tamil Nadu Kancheepuram Padappai Ph : 044 - 27175077 / 37108603 1772 Tamil Nadu Kancheepuram Pallavaram Darga Road Ph : 044 - 22644167 / 32018906 1773 Tamil Nadu Kancheepuram Pallikaranai Ph : 044 - 22462620 / 32018838 1774 Tamil Nadu Kancheepuram Rajakilpakkam Ph : 044 - 22282144 / 32018826 / 43306407 1775 Tamil Nadu Kancheepuram Sriperumbudur Ph : 044 - 27163802 / 37101413 1776 Tamil Nadu Kancheepuram Sunguvarchatram Ph : 044 - 27192135 / 37102003 1777 Tamil Nadu Kancheepuram T K Nambi Street Kanchipuram Ph : 044 - Nil / 37213900 1778 Tamil Nadu Kancheepuram Tambaram Ph : 044 - 22261180 / 32964547 1779 Tamil Nadu Kancheepuram Taramani Chennai Ph : 044 - 22436880 / 32019320 1780 Tamil Nadu Kancheepuram Thiruporur Kanchipuram Ph : 044 - 27445138 / 32967968 1781 Tamil Nadu Kancheepuram Ullagaram Ph : 044 - 22246285 / 32018683 1782 Tamil Nadu Kancheepuram Vallal Pachaiappan Street Kanchipuram Ph : 044 - 27233929 / 32018841 1783 Tamil Nadu Kanniyakumari Anjugramam Kanyakumari Ph : 04652 - 267071 / 314455 1784 Tamil Nadu Kanniyakumari Kanyakumari Ph : 04652 - 247325 / 321777 1785 Tamil Nadu Kanniyakumari Kolachel Ph : 04651 - 225779 / 323337 1786 Tamil Nadu Kanniyakumari Kuzhithurai Ph : 04651 - 261441 / 323818 1787 Tamil Nadu Kanniyakumari Marthandam Ph : 04651 - 270624 / 323009 1788 Tamil Nadu Kanniyakumari Monday Market Ph : 04651- 220414 / 323858 1789 Tamil Nadu Kanniyakumari Nagercoil Ph : 04652 - 226870 / 321003 1790 Tamil Nadu Kanniyakumari Swamiyar Madam Ph : 04651 - 276907 / 342969 1791 Tamil Nadu Kanniyakumari Vadassery Junction Ph : 04652 - 276817 / 321119 1792 Tamil Nadu Karur Karur Ph : 04324 - 262650 / 320680 1793 Tamil Nadu Karur Kaveri Nagar Kulithalai, Karur Ph : 04323 - 222411 / 322462 1794 Tamil Nadu Karur Thanthonnimalai Ph : 04324 - 255587 / 319415 1795 Tamil Nadu Karur Velayuthampalayam Karur Ph : 04324 - 270005 / 319316 1796 Tamil Nadu Krishnagiri Bangalore Road Hosur Ph : 04344 - 244022 / 311293 1797 Tamil Nadu Krishnagiri Bargur Krishnagiri Ph : 04343 - 265033 / 322352



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1798 Tamil Nadu Krishnagiri Chennai Road Krishnagiri Ph : 04343 - 235750 / 320190 1799 Tamil Nadu Krishnagiri Denkanikottai Krishnagiri Ph : 04347 - 235008 / 322916 1800 Tamil Nadu Krishnagiri Hosur Ph : 04344 - 245022 / 325343 1801 Tamil Nadu Krishnagiri Hosur Tank Street Ph : 04344 - 244080 / 312960 1802 Tamil Nadu Krishnagiri Kaveripatanam Krishnagiri Ph : 04343 - 252001 / 322353 1803 Tamil Nadu Krishnagiri Krishnagiri Ph : 04343 - 235606 / 324113 1804 Tamil Nadu Krishnagiri New Pet MG Road Ph : 04344 - 246022 / 311747 1805 Tamil Nadu Krishnagiri old Pet Krishnagiri Ph : 04343 - 234750 / 322438 1806 Tamil Nadu Krishnagiri Parvathy Nagar Ph : 04344 - 245617 / 311739 1807 Tamil Nadu Krishnagiri Veppanapalli Krishnagiri Ph : 04343 - 260070 / 320110 1808 Tamil Nadu Krishnagiri Shantinagar Hosur Ph : 04344- 220232/ 3130171809 Tamil Nadu Madurai Arapalayam Ph : 0452 - 2380133 / 3209290 1810 Tamil Nadu Madurai elumalai Madurai Ph : 04552 - 246080 / 320765 1811 Tamil Nadu Madurai Gyanaolipuram Ph : 0452 - 2600088 / 3248575 1812 Tamil Nadu Madurai Karuppayurani Madurai Ph : 0452 - 2589979 / 3246740 1813 Tamil Nadu Madurai Madurai Anna Nagar Ph : 0452 - 2533892 / 3246540 1814 Tamil Nadu Madurai Madurai West Masi Street Ph : 0452 - 2343069 / 3202632 1815 Tamil Nadu Madurai Melur Madurai Ph : 0452 - 2417001 / 3248210 1816 Tamil Nadu Madurai Nagamalai Pudukkottai Madurai Ph : 0452 - 2458715 / 3277662 1817 Tamil Nadu Madurai othakadai Ph : 0452 - 2422201 / 3248674 1818 Tamil Nadu Madurai Paravai Madurai Ph : 0452 - 2463677 / 3277806 1819 Tamil Nadu Madurai Peraiyur Madurai Ph : 04549 - 275030 / 325993 1820 Tamil Nadu Madurai Sholavandan Ph : 04543 - 258013 / 324999 1821 Tamil Nadu Madurai T. Kallupatty Ph : 04549 - 270045 / 320856 1822 Tamil Nadu Madurai Tallakulam Ph : 0452 - 2532303 / 3208020 1823 Tamil Nadu Madurai Townhall Rd,Madurai Ph : 0452 - 2342190 / 3205560 1824 Tamil Nadu Madurai Velangudi Ph : 0452 - 2666086 / 3248655 1825 Tamil Nadu Nagapattinam Nagapattinam Ph : 04365 - 248878 / 322182 1826 Tamil Nadu Nagapattinam Sirkali Ph : 04364 - 270010 / 313025 1827 Tamil Nadu Namakkal eVR Road Trichy Ph : 0431 - 2771978 / 3240811 1828 Tamil Nadu Namakkal Mohanur Namakkal Ph : 04286 - 255245 / 323086 1829 Tamil Nadu Namakkal Namakkal Ph : 04286 - Nil / 325957 1830 Tamil Nadu Namakkal Pallipalayam Ph : 04288 - 241559 / 329782 1831 Tamil Nadu Namakkal Puduchatram Namakkal Ph : 04286 - 243233 / 323087 1832 Tamil Nadu Namakkal Salem Road, Namakkal Ph : 04286 - 275559 / 322077 1833 Tamil Nadu Namakkal Trichy Road, Namakkal Ph : 04286 - 220559 / 322511 1834 Tamil Nadu Namakkal Velur Namakkal Ph : 04268 - 220010 / 320166 1835 Tamil Nadu Namakkal Vennandur Namakkal Ph : 04287 - 264088 / 325747 1836 Tamil Nadu Nilgiri Coonoor Ph : 0423 - 2221332 / 3200925 1837 Tamil Nadu Nilgiri Gudallur Ph : 04262 - 260624 / 09344221242 1838 Tamil Nadu Nilgiri ootty Ph : 0423 - 2445615 / 3204277 1839 Tamil Nadu Perambalur Jayankonda Cholapuram Ph : 04331 - 250498 / 320105 1840 Tamil Nadu Perambalur Perambalur Ph : 04328 - 275115 / 322566 1841 Tamil Nadu Pudukkottai Keeranur Ph : 04339 - 262093 / 320723 1842 Tamil Nadu Pudukkottai Pudukkottai Alangudi Road Ph : 04322 - 224433 / 327084 1843 Tamil Nadu Ramanathapuram GH Road Ramanathapuram Ph : 04567 - 227377 / 321904 1844 Tamil Nadu Salem Ammapet Salem Ph : 0427 - 2251199 / 3241960 1845 Tamil Nadu Salem Attayampatti Salem Ph : 0427 - 2471799 / 3257269 1846 Tamil Nadu Salem Attur Ph : 04282 - 253435 / 329151 1847 Tamil Nadu Salem Bengaluru Road Salem Ph : 0427 - 2447275 / 3205225 1848 Tamil Nadu Salem Dhadhagapatti Salem Ph : 0427 - 2218555 / 3241951 1849 Tamil Nadu Salem Dharmapuri Ph : 04342 - 260797 / 326006 1850 Tamil Nadu Salem elampillai Salem Ph : 0427 - 2491860 / 3257270 1851 Tamil Nadu Salem Gangavalli Salem Ph : 04282 - 232777 / 320856 1852 Tamil Nadu Salem Gorimedu Salem Ph : 0427 - 2404002 / 3241972 1853 Tamil Nadu Salem Lee Bazar Salem Ph : 0427 - 2351116 / 3209112 1854 Tamil Nadu Salem Mecheri Salem Ph : 04298 - 278557 / 322897 1855 Tamil Nadu Salem Mettur Ph : 04298 - 245440 / 320177 1856 Tamil Nadu Salem Meyyanur Salem Road Ph : 0427 - 2431722 / 3200190 1857 Tamil Nadu Salem Nangavally Salem Ph : 04298 - 266444 / 322895 1858 Tamil Nadu Salem omallur Salem Ph : 04290 - 220393 / 329865 1859 Tamil Nadu Salem Rasipuram Ph : 04287 - 223303 / 326787 1860 Tamil Nadu Salem Salem Ph : 0427 - 2262145 / 3252214 1861 Tamil Nadu Salem Salem Agraharam Road Ph : 0427 - 2266480 / 3200038 1862 Tamil Nadu Salem Salem five Road Ph : 0427 - 2446445 / 3200440 1863 Tamil Nadu Salem Sankagiri Salem Ph : 04283 - 240090 / 320915 1864 Tamil Nadu Salem Shevapet Salem Ph : 0427 - 2210006 / 3242050 1865 Tamil Nadu Salem Tharamangalam Ph : 04290 - 250110 / 320631 1866 Tamil Nadu Salem Veeraganur Salem Ph : 04282 - 237745 / 329152 1867 Tamil Nadu Salem Vinayakapuram Attur Ph : 04282 - 251435 / 320599 1868 Tamil Nadu Sivaganga Devakottai Ph : 04561 - 261806 / 321103 1869 Tamil Nadu Sivaganga Karaikudi Sivaganga Ph : 04565 - 236580 / 327128 1870 Tamil Nadu Thanjavur Kaveri Nagar, Thanjavur Ph : 04362 - 272422 / 315658 1871 Tamil Nadu Thanjavur Kumbakonam Ph : 0435 - 2402020 / 3208877 1872 Tamil Nadu Thanjavur Papanasam Ph : 04374 - 220405 / 320211



117

1873 Tamil Nadu Thanjavur Pattukkottai Ph : 04373 - 255652 / 329987 1874 Tamil Nadu Thanjavur Thanchavur Ph : 04362 - 230425 / 322909 1875 Tamil Nadu Thanjavur Thirunageswaram Thanjavur Ph : 0435 - 2464325 / Nil 1876 Tamil Nadu Thanjavur Tiruvaiyaru Ph : 04362 - 260976 / 321210 1877 Tamil Nadu Theni Andipatti Ph : 04546 - 242885 / 321222 1878 Tamil Nadu Theni Bodinayakkanur Ph : 04546 - 282436 / 325828 1879 Tamil Nadu Theni Cumbum Ph : 04554 - 270381 / 320980 1880 Tamil Nadu Theni Gudalur Theni Ph : 04554 - 230381 / 322632 1881 Tamil Nadu Theni Periyakulam Ph : 04546 - 230950 / 326688 1882 Tamil Nadu Theni Theni Ph : 04546 253044 / 327752 1883 Tamil Nadu Theni Theni Periyakulam Road Ph : 04546 - 263022 / 310713 1884 Tamil Nadu Thiruvallur Avadi Ph : 044 - 26556018 / 32936200 1885 Tamil Nadu Thiruvallur JN Road Thiruvallur Ph : 044 - 27664878 / 37603317 1886 Tamil Nadu Thiruvallur Kattupakkam Ph : 044 - 32018854 / 43801281 1887 Tamil Nadu Thiruvallur Kodambakkam Ph : 044 - 24830031 / 32018749 / 43565769 1888 Tamil Nadu Thiruvallur Madhuravoyal Market Ph : 044 - Nil / 32018727 1889 Tamil Nadu Thiruvallur Manavalan Nagar Chennai Ph : 044 - 27641100 / 37604001 1890 Tamil Nadu Thiruvallur North Park Street Ambattur oT Ph : 044 - 26570199 / 32000193 1891 Tamil Nadu Thiruvallur Pattabiram Chennai Ph : 044 - 26852181 / 32219792 1892 Tamil Nadu Thiruvallur Poonamallee Ph : 044 - 26490466 / 32000776 1893 Tamil Nadu Thiruvallur Porur Ph : 044 - 24761673 / 32962006 1894 Tamil Nadu Thiruvallur Pudur Chennai Ph : 044 - 26860182 / 32018836 1895 Tamil Nadu Thiruvallur Puzhal Chennai Ph : 044 - 26590701 / 32018809 1896 Tamil Nadu Thiruvallur Tiruttani Ph : 044 - 27885162 / 37802177 1897 Tamil Nadu Thiruvallur Tiruvallur Ph : 044 - 27662202 / 37603019 1898 Tamil Nadu Thiruvallur Vellore Ph : 0416 - 2211533 / 3268891 / 4203030 1899 Tamil Nadu Thiruvallur Gummidipundi Ph : 044- 27929290/379044701900 Tamil Nadu Tirunelveli Alangulam Ph : 04633 - 270662 / 324432 1901 Tamil Nadu Tirunelveli Ambasamudram Ph : 04634 - 255659 / 324994 1902 Tamil Nadu Tirunelveli Chidambaram Nagar Tuticorn Ph : 0461 - 2337706 / 3207020 1903 Tamil Nadu Tirunelveli Rajapalayam Ph : 04563 - 222110 / 326030 1904 Tamil Nadu Tirunelveli Sripuram Tirunelveli Ph : 0462 - 2324233 / 3207376 1905 Tamil Nadu Tirunelveli Srivilliputtur Ph : 04563 - 266444 / 324477 1906 Tamil Nadu Tirupur Anupparpalayam Ph : 0421 - 2258775 / 3206456 1907 Tamil Nadu Tirupur Colony Bus Stop Tirupur Ph : 0421 - 2475638 / 3200882 1908 Tamil Nadu Tirupur Kangeyam Road Thirupur Ph : 0421 - 2420660 / 3206010 1909 Tamil Nadu Tirupur Kunnathur, Tiruppur Ph : 04294 - 264344 / 322354 1910 Tamil Nadu Tirupur old Bus Stand Ph : 0421 - 2242660 / 3200865 1911 Tamil Nadu Tirupur Perichipalayam Tirupur Ph : 0421 – 2421551 / 3200969 1912 Tamil Nadu Tirupur Ramnagar 1st Street Tirupur Ph : 0421 - 2245022 / 3268485 1913 Tamil Nadu Tirupur Udumalpet Pollachi Main Road Ph : 04252 - 232939 / 321556 1914 Tamil Nadu Tirupur Vellakoil Tirupur Ph : 04257 - 264484 / 320872 1915 Tamil Nadu Tiruvannamalai Arni Ph : 04173 - 225606 / 323242 1916 Tamil Nadu Tiruvannamalai Chetput Ph : 04181 - 252444 / 320970 1917 Tamil Nadu Tiruvannamalai Cheyyar Ph : 04182 - 220315 / 321107 1918 Tamil Nadu Tiruvannamalai Gandhi Nagar Thiruvannamalai Ph : 04175 - 220703 / 311230 1919 Tamil Nadu Tiruvannamalai Polur Main Road Ph : 04175 - 220701 / 310086 1920 Tamil Nadu Tiruvannamalai Polur Thiruvannamalai Ph : 04181 - 222188 / 323964 1921 Tamil Nadu Tiruvannamalai Tiruvannamalai Ph : 04175 - 220542 / 310069 1922 Tamil Nadu Tiruvarur Mannargudi Ph : 04367 - 253903 / 324544 1923 Tamil Nadu Tiruvarur Nidamangalam Ph : 04367 - 260065 / 324300 1924 Tamil Nadu Tiruvarur Tiruvarur Ph : 04366 - 225920 / 324458 1925 Tamil Nadu Trichy Cantonment Trichy Ph : 0431 - 2413911 / 3253143 1926 Tamil Nadu Trichy Chatram Trichy Ph : 0431 - 2708545 / 3209228 1927 Tamil Nadu Trichy Dalmiapuram Trichy Ph : 04329 - 235678 / 326195 1928 Tamil Nadu Trichy Kattur Trichy Ph : 0431 - 2532042 / 3253140 1929 Tamil Nadu Trichy Lalgudi Trichy Ph : 0431 - 2541025 / 3253125 1930 Tamil Nadu Trichy Manachanallur Trichy Ph : 0431 - 250358 / 3253146 1931 Tamil Nadu Trichy Melechintamani Ph : 0431 - 2703911 / 3253137 1932 Tamil Nadu Trichy Musiri Trichy Ph : 04326 - 260042 / 9345231412 1933 Tamil Nadu Trichy Palakarai Ph : 0431 - 2418342 / 3253686 1934 Tamil Nadu Trichy Ponmalai Ph : 0431 - 2446043 / 3240750 1935 Tamil Nadu Trichy Pullampadi Trichy Ph : 04329 - 241077 / 326196 1936 Tamil Nadu Trichy Srinivasa Nagar Trichy Ph : 0431 - 2780051 / 3253122 / 4030414 1937 Tamil Nadu Trichy Sundar Nagar Trichy Ph : 0431 - 2351249 / 3253099 1938 Tamil Nadu Trichy Thiruvani koil Trichy Ph : 0431 - 2231399 / 3256640 1939 Tamil Nadu Trichy Thuraiyur Ph : 04327 - 256490 / 320003 1940 Tamil Nadu Trichy Thuvarankurichi Ph : 0433 - 2254533 / 9344167664 1941 Tamil Nadu Trichy Trichitollgate Ph : 0431 - 2418334 / 3204171 1942 Tamil Nadu Trichy Vaiyampatti Trichy Ph : 04332 - 272277 / Nil 1943 Tamil Nadu Trichy Woriur Trichy Ph : 0431 - 2761979 / 3243414 1944 Tamil Nadu Trichy Uppiliyapuram Trichy Ph : 04327-252345 / 3200091945 Tamil Nadu Tuticorin Kamaraj Salai Thiruchendur Ph : 04639 - 245571 / 325740 1946 Tamil Nadu Tuticorin Kayathar Tuticorn Ph : 04632 - 261125 / 320924 1947 Tamil Nadu Tuticorin Kovilpatti Ph : 04632 - 225433 / 320880



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1948 Tamil Nadu Tuticorin Nazerath Ph : 04639 - 279859 / 324445 1949 Tamil Nadu Tuticorin Thirunelveli Ph : 0462 - 2330683 / 3203474 1950 Tamil Nadu Tuticorin Villattikulam Ph : 04638 - 234002 / 320321 1951 Tamil Nadu Vellore Ambur Bypass Road Ph : 0417 - 4249577 / 04174 - 310003 1952 Tamil Nadu Vellore Arani Raod Vellore Ph : 0416 - 2222312 / 3201336 1953 Tamil Nadu Vellore Arcot Ph : 04172 - 235626 / 325246 1954 Tamil Nadu Vellore Arcot Road,Vellore Ph : 0416 - 2233644 / 3201193 1955 Tamil Nadu Vellore Panapakkam Ph : 04177 - 252029 / 312799 1956 Tamil Nadu Vellore Sathuvachari RTo Road Ph : 0416 - 2255422 / 3201118 1957 Tamil Nadu Vellore Thiruppathur Ph : 04179 - 228334 / 327159 1958 Tamil Nadu Vellore Tholkapiyar Street Ph : 04172 - 237744 / 310706 1959 Tamil Nadu Vellore Vellore Katpadi Road Ph : 0416 - 2222183 / 3206589 1960 Tamil Nadu Vellore Walajapet Ph : 04172 - 232595 / 324361 1961 Tamil Nadu Villupuram Chinna Salem Villupuram Ph : 04151 - 236100 / 310406 1962 Tamil Nadu Villupuram erattai Pillayar Kovil Street Ph : 04175 - 220702 / 311231 1963 Tamil Nadu Villupuram Nehru Street Tindivanam Ph : 04147 - 225465 / 321717 1964 Tamil Nadu Villupuram Nehruji Road Villupuram Ph : 04146 - 222168 / 324998 1965 Tamil Nadu Villupuram Thirukovillur Ph : 04153 - 253056 / 9363222170 1966 Tamil Nadu Villupuram Tindivanam Ph : 04147 - 225466 / 321717 1967 Tamil Nadu Villupuram Ulunthurpettai Villupuram Ph : 04149 - 222407 / 9364522899 1968 Tamil Nadu Villupuram Vridachalam Ph : 04143 - 232266 / 310444 1969 Tamil Nadu Villupuram Thiruvannamalai Road Gingee Ph : 04145 - 224442 / 3209991970 Tamil Nadu Virudhunagar Aruppukkottai Ph : 04566 - 223797 / 320987 1971 Tamil Nadu Virudhunagar Sivakasi Ph : 04562 - 227290 / 04563 - 322778 1972 Tamil Nadu Virudhunagar Thenkasi Ph : 04633 - 222322 / 322808 1973 Tamil Nadu Virudhunagar Toothukudi Ph : 0461 - 2332711 / 3204595 1974 Tamil Nadu Virudhunagar Virudh Nagar Ph : 04562 - 2423457 / 310188 / 420016 1975 Uttar Pradesh Gautam Bodda Nagar Bhangel Ph : 0120 - 2417413 / 3144186 1976 Uttar Pradesh Gaziabad Gaziabad Ph : 0120 - 2702678 / 3225010 1977 Uttar Pradesh Gaziabad Kotgaon Ghaziabad Ph : 0120 - Nil / 3143729 1978 Uttar Pradesh Gaziabad Rajnagar Ph : 0120 - 2821574 / 3144184 1979 Uttar Pradesh Gaziabad Shalimar, U.P. Ph : 0120 - 2630952 / 3144192 1980 Uttar Pradesh Gowtham Budha Nagar Noida Ph : 0120 - 2512720 / 3239450 1981 Uttar Pradesh Kanpur Lal Bengla Ph : 0512 - 2400090 / 3211224 1982 Uttar Pradesh Lucknow Alambagh Ph : 0522 - 4109798 / 3219956 1983 Uttar Pradesh Lucknow Aliganj, Lucknow Ph : 0522 - 2330038 / 3226727 1984 Uttar Pradesh Lucknow Aminabad Circle Ph : 0522 - 4109799 / 3211109 1985 Uttar Pradesh Lucknow Gomtinagar Ph : 0522 - 2304862 / 3223620 1986 Uttar Pradesh Lucknow Hardoi Road Lucknow Ph : 0522 - 2409919 / 3190060 1987 Uttar Pradesh Lucknow Latouche Road Ph : 0522 - 2638931 / 3223627 1988 Uttar Pradesh Lucknow Mahanagar Ph : 0522 - 2339930 / 3223634 1989 Uttar Pradesh Lucknow Thakurganj Ph : 0522 - Nil / 3190417 1990 Uttar Pradesh Mathura Dori Bazar Ph : 0565 - 2502003 / 3206438 1991 Uttar Pradesh Mathura Holy Gate Ph : 0565 - 2401131 / 3244325 1992 Uttar Pradesh Meerut Begum Bridge Ph : 0121 - 4058980 / 3248390 1993 Uttar Pradesh Meerut eves Crossing Ph : 0121 - 4056647 / 3271608 1994 Uttar Pradesh Meerut HRS Chowk Ph : 0121 - 4056646 / 3272809 1995 Uttar Pradesh Meerut R K Puram Ph : 0121 - Nil / 4056524 1996 Uttar Pradesh Varanasi Lahurabir Ph : 0542 - 2401804 / 3278127 1997 Uttar Pradesh Varanasi Lanka Ph : 0542 - 2366930 / 3278126 1998 Uttar Pradesh Varanasi Luxa Road Ph : 0542 - 2401792 / 3270336 1999 West Bengal Bardhaman Hattala Road, Durgapur Ph : 0343 - 2559778 / 3207466 2000 West Bengal Bardhaman Katwa-Circus Maidan Ph : 03453 - Nil / 320973 2001 West Bengal Burdwan Asansol Ph : 0341 - 2221147 / 3200160 2002 West Bengal Burdwan Burdwan Ph : 0342 - Nil / 3208651 2003 West Bengal Burdwan Burnpur Road, Asansol Ph : 0341 - 2253401 / 3207380 2004 West Bengal Burdwan Durgapur Ph : 0343 - 2588655 / 3200260 2005 West Bengal Burdwan Kalna,W.Bengal Ph : 03454 - 257825 / 320098 2006 West Bengal Burdwan Raniganj Bardhaman Ph : 0341 - 2443295 / 3266355 2007 West Bengal Hooghly Aarambag Ph : 03211 - Nil / 321015 2008 West Bengal Hooghly Bandel Ph : 033 - 26311444 / 32210611 2009 West Bengal Hooghly Chandernagar Ph : 033 - 26833703 / 32424288 2010 West Bengal Hooghly Chinsurah Town Ph : 033 - 26811689 / 32017602 2011 West Bengal Hooghly Dankuni Ph : 033 - Nil / 32017917 2012 West Bengal Hooghly Konnagar Ph : 033 - 26740430 / 32210622 2013 West Bengal Hooghly Nabagram Ph : 033 - 26220809 / 32212403 2014 West Bengal Hooghly Serampore Ph : 033 - Nil / 32210613 2015 West Bengal Hooghly Uttarpara Hugly Ph : 033 - Nil / 32625372 2016 West Bengal Howrah Domjur Ph : 033 - Nil / 32422192 2017 West Bengal Howrah Howrah Maidan Ph : 033 - 26382254 / 32602356 2018 West Bengal Howrah Netaji Subhash Road Ph : 033 - Nil - 32561304 2019 West Bengal Howrah Nona, Uluberia Ph : 033 - 26610913 / 32561242 2020 West Bengal Howrah Panchanantalla Ph : 033 - Nil / 32211560 2021 West Bengal Howrah Ramrajthala, Railway Station Road Ph : 033 - Nil / 32561240 2022 West Bengal Howrah Salkiya Ph : 033 - 26554569 / 32560928



119

2023 West Bengal Howrah Salkiya Ph : 033 - Nil / 32625220 2024 West Bengal Kolkata Andul Howrah Ph : 033 - 26697528 / 32211502 2025 West Bengal Kolkata Baguihati Road Ph : 033 - Nil / 31902440 2026 West Bengal Kolkata Bidhan Sarani Ph : 033 - Nil / 32424285 2027 West Bengal Kolkata Bow Bazar Ph : 033 - 22377146 / 32458003 2028 West Bengal Kolkata Dunlop Bridge Ph : 033 - 25100594 / 32562741 2029 West Bengal Kolkata Garia Ph : 033 - 24352660 / 32424290 2030 West Bengal Kolkata Garia More Ph : 033 - Nil / 32607615 2031 West Bengal Kolkata Hazara Ph : 033 - Nil / 32210618 2032 West Bengal Kolkata Lake Town Ph : 033 - Nil / 32011382 / 40678199 2033 West Bengal Kolkata Nagar Bazar Ph : 033 - 25299853 / 32459585 2034 West Bengal Kolkata Ram Lal Bazar Ph : 033 - Nil / 32017716 2035 West Bengal Nadia Chakdah Ph : 034 - 73313171 / 0347 - 3240072 2036 West Bengal Nadia Kalyani Ph : 033 - Nil / 32211601 2037 West Bengal Nadia Krishnanagar ,W.Bengal Ph : 03472 - Nil / 327002 2038 West Bengal Nadia Ranaghat Ph : 03473 - Nil / 313319 2039 West Bengal Nadia Santipur,W.Bengal Ph : 03472 - Nil / 327651 2040 West Bengal North 24 Parganas Bangaon Ph : 03215 - 257400 / 322870 2041 West Bengal North 24 Parganas Barasat Ph : 033 - 32569522 / 25844568 2042 West Bengal North 24 Parganas Barrackpore Ph : 033 - 25452057 / 32561155 2043 West Bengal North 24 Parganas Basirhat Ph : 03217 - 265696 / 311133 2044 West Bengal North 24 Parganas Bhelgoria Ph : 033 - 25444243 / 32212579 2045 West Bengal North 24 Parganas Dum Dum Ph : 033 - 25113127 / 32561540 2046 West Bengal North 24 Parganas Habra Ph : 0321 - Nil / 6310026 2047 West Bengal North 24 Parganas Kanchrapara Ph : 033 - Nil / 32427230 2048 West Bengal North 24 Parganas Kankinara Ph : 033 - 25024957 / 32210617 2049 West Bengal North 24 Parganas Madhyamgram Ph : 033 - 25180566 / 32210619 2050 West Bengal North 24 Parganas Naihati Ph : 033 - Nill / 32017620 2051 West Bengal North 24 Parganas Rajarhat Ph : 033 - 25733755 / 32210712 2052 West Bengal North 24 Parganas Sodepur Ph : 033 - 25956097 / 32427163 2053 West Bengal South 24 Parganas Amtala Ph : 033 - 24809825 / 32972784 2054 West Bengal South 24 Parganas Baruipur Ph : 033 - 24230529 / 32212301 2055 West Bengal South 24 Parganas Behala Sehkher Bazar Ph : 033 - Nil / 32017915 2056 West Bengal South 24 Parganas Brhampur Ph : 033 - Nil / 32561257 2057 West Bengal South 24 Parganas Budge Budge Ph : 033 - Nil / 32509605 2058 West Bengal South 24 Parganas Colony More Ph : 033 - 25242385 / 31901133 2059 West Bengal South 24 Parganas Jadavpur Ph : 033 - Nil / 31922444 2060 West Bengal South 24 Parganas Razpur Ph : 033 - Nil / 32210616 2061 West Bengal South 24 Parganas Shakuntala Park Ph : 033 - 24526838 / 32625581 2062 West Bengal South 24 Parganas Shyamnagar, West Bengal Ph : 033 - Nil / 32017726 2063 West Bengal South 24 Parganas Sonarpur Ph : 033 - Nil / 32011238 2064 West Bengal South 24 Parganas Takurpukur Ph : 033 - 24381286 / 32424282



Cash flow Statement


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Corporate Information

Registered office

V/104 Manappuram House

Valapad Po, Thrissur 680567

Kerala

Company Registration No: 09-06623

CIN No: L65910KL1992PLC006623

RBI Registration No: B.16.00029

Executive Chairman

Mr. V. P. Nandakumar

Managing Director

Mr. I. Unnikrishnan

Joint Managing Director

Mr B. N. Raveendra Babu

Board Members

Adv. V. R. Ramachandran

Mr. A. R. Sankaranarayanan

Mr. P. Manomohanan

Dr. V. M. Manoharan

Mr. M. Anandan

Mr. Shailesh J Mehta

Mr. Jagdish Capoor

Mr. Gautam Saigal

Mr. Gaurav Mathur

Company Secretary

Mr. C. Radhakrishnan

Chief Financial Officer

Ms. Bindhu A. L.

Vice President

Mr. Sooraj Nandan

Chief General Manager

Mr. N. R. Bahuleyan

Chief Technical Advisor

Mr. K. B. Brahmadathan

(Retd. Chief General Manager BSNL)

Registrar and Share Transfer Agents

M/s SKDC Consultants Limited

Kanapathy Towers

3rd floor, 1391/A-1, Sathy Road

Ganapathy Po, Coimbator-641 006

Ph 0422 6549995, 0422 2539835

[email protected]

Statutory Auditors

M/s S. R. Batliboi & Associates (Regn.No.101049W)


TPL House, Second floor

3 Cenotaph Road

Teynampet, Chennai- 600 018

Share Listed at

Bombay Stock exchange

Cochin Stock exchange

Madras Stock exchange

BSe Scrip Code 531213

ISIN – INe 522 D 01027

Bankers

State Bank of India

Syndicate Bank

Catholic Syrian Bank

South Indian Bank

Kotak Mahindra Bank

Punjab National Bank

oriental Bank of Commerce

IDBI Bank

AXIS Bank

HDfC Bank

Development Credit Bank

ING Vaisya Bank

federal Bank

Lakshmivilas Bank

Allahabad Bank

ICICI Bank

kanchan

kanakahem

shona

swarn

sonu

kundan

soan

thangam

ponn

bangaram

Registered office

V/104 Manappuram House Valapad PO, Thrissur 680567, Kerala

www.manappuram.com

Documents

sonu · experience – the long wait and inadequate loan amounts. It was at such a juncture that a friend first told him about Manappuram. He approached Manappuram for a gold loan