Name of investor and addrcss:Sl. \o. I

Drsct.ost t{tl l)(x'ti}ll'-N l'

MANAPPUBAM

\['l] nrct l) '\tutlLtt)l)ttfttnt (;tnrtttl l inLtnLr ttnLl l'curing l'initcrl )

i(l.nrillcarion nLrrlrber L65elirKt-l\)""i-t;;;;t' unr'ler: thc ( ompanlts '\ct l9j6 as amended and

registcr.d as a non-bankirg llnontittf t"n''p"'tl ClNllFC") \ilhin thc meaninlr olthc RescNe Bank ol

lndia Acl. 1914. as amcDded'

llcgistcrcd Ollicc: l\"170 \ (Ol(l) \\'1'lll(\'\ ) '\llnrllPLrr'rnr lloLtsc' \/rrlrrleJ"lh|is'Lrr'6S0 i61

Kcrrla. lrrtlirrirct: t,qt lgll:o: ot08: la\:1'91 '187)ll() t)l9li

tl,nrptian"c tltncert \lanoj Ktrnral V R ('orlrpnrl\ Sccrc!ar\

I.i-mail: eosecrelerl tl nlaiaf puratll'conl

Cotltrct l'erson: BindhLr Al- Chief I:irranciirl ollrccr

\\'chsitc: \!\\ \\.nlinal)Puranl'colll

I'J,|:Ji?|?:,lill;l' l,i::Ii'';:i;;i^,'*i,.^, tTNANCIT t rMrur) t'couPA\\" or{,,ia.

"tssuER") For Manappuram Financs Limited

'?4^jy l

/ Aihoiiled signatoty

l)ls('t.ost Rll l)o(-ti\tl-\l ls PEI{ s( ll[.])t I.l'- I Of \l]( L l{l l ll:s ',\\D [-\clt.\\(;l'

RoARD or INI)lA (tssLE ann r-rsrixi; iin: "tu'

sECLRIl ll:s)-RE(;uLATIoNS' 2008 AS

AMrNDED rRoM 'rlME Io ri;;; -inii

t*'uott l'l'AcEMEN'r ot'FER curl

APPLICATIoN LEl-rER AS vurr''ionlr r),rs 'l (PURSIIANT---Io SECTION 12 oF

CoNIPANIES Acr, 2013 'tuu nuili lliuil rHltll: tiNDllR !'oR lssuE ol' RA rllD'

sF.Cr.iRl,.l), REDEE\lrlll.E, r.rsLr'-ri riri'iltli \ !.ltl lRl'1. l)Ellll\ rL RUs ll'\\ l\(; ['\( l]

\',\l.tll ol ltt Pl.us 10.00'000/ t'tiltiii t i"''' l"\Kll ll'\( ll ) [()lt l\sL l. \lzl o] l{\' 25

cRollEs (ntrPElls 1\\ tlNl'\' n'n'i'i:nrirtrtt oNl'\') \\'lTtl AN-oPTIoN 1'o RETAI\

0\'ERSLrlls( lllPrloN Ot' lls -tzr clRiirlii tur I EIis l lttlrl[ [luNDRU'D AND TNENTY

!'r\E cnoRls oNr.\ ) A(;GRticAiiniii'iitttu::5]i::.qY:H:.,T.':,ll'l]I$X,l

tss|t :

l)isclo\!rt,to(onr.nt r-t)isck)\ure I)o(ulner

cnrres aglrrcgarrng r{) Its.tj0 cror.s. res') li)r cash at par wirh arr issue siTe ol lts l5crorc r!irh an oprion of Rs. 125

GI:NER I- IiISKS

Ii\rnnrrnr rn t.hl and dcbl rctaled \cctritic, (.. rr.\ ,., r, .r ,, r.ri,,

if!ol!' a dclrtc ol risk nfd rn\cnors shouLJ

;:i"l;;ir1;r111;':;):t::r,ll.ltl;1,,1*li*:,,lii:l.li,,*1l,*lt,it,.,xnISSI]EII'S AI}SOt-UTE Ii }:SPONS IB I I-ITY

.h,D.. \ h.(,,,,,,,',,,,,,"i..,":;,,,;:i i. l, ; . : ,,liillli;l..:,,f1,ii,,. ,,"n u,.",p,c*",rhcr",,inrirmilionorthec\nrcssionoraf)suchopiriunrorInrenr,.n\n,,!rradrn..ina,,,n**,",*]i'*1,"'"rholeoranrofsuch

CREDII IIA'TINC

lhe l)ebefturcs havc a ralins o1. ..CRiStt_ AA Sl.bl....

lhe ralir)! is nor a reconrnrcndar oi lo hLi\ r

il::i,".,","",,,.;;,,,,;;,: ,;,;liil; , ;,1,,, , :,.l,l,l:l:,::;11il.:l:,l,li;;:;:i:lil:,i,ili::l

ISSLf SC}IEDT]LE

t** op"rrg n t" f:: jL,"e:ri.r,. I ] r1"" Cr91s oqr" -lI, ,,,* :o_ _

1

l'jr\ lrr l)lr. tr, .lrrr. t,:ir I.!h,t,t!tr.!{tt\tn.1st,tt,thao,,,,,",,,,,,.,.,,,,,,,,,],')'";:l,|,]:';:"})l;r,,,,,'.",runcr0:(

th tt\ a s.htt t \'rirtit'. lttihN ttu hiDlits h,'urs ut ttril ,1.,r ,/utinx th! t).ri(xt eo\rrctt h\

I,ISTIN(;

llrr l).hr,,lLr.\ rr(,rn,1N.(t lr) h. lin.tt ,.r Ir.'Bst. or lhe.sk,cI u\rhange l

r' sh.l"'r' (]!hl taiIcl \c!trr.fl ol lh( l].rIhr\ slo(k t,\chrr!. liD]it.d

leBEntutE t.nlstilrt,nupp,'un, rir,,*., t_in,tr"a

ppuram l{ouse p O

(-.\I4t.l\,tffilt:l1l"i,r *,,"', n\ {,DA rru,rcc.hip Kan.,p,,,n\ rorc.l,imitrd) 3rd Floor.

Canapathy

251983s-836

\ dlapild ,680567

ph o.r{r,oso,ror

l39l/A l.Saihv Road.

(rr)1 rrjr .. ,r,,r \,,11\ rrrL,,r, (.,ir,,i,\ (l,inrbrnr! 6.1 0(16

rRi!hl) Prrd Roftt pr nc . t0t8 andlphonc: 9t .l:t .j9all9{r5.,|.l'.,,"':.^',,||,..rr,,,1,..\odil-l,lElh flour. \l rJl tntrer. B wrnr. NarirnrrlPoinr. Mumbar - i000t I l

t_ ld\ uhrthtelt /kDt ttncttt .t,$titttt th. il

ntctsrn,rn ro tssue

7hi\ \th.,l1tt. l\.t), t\t i)t,.,rhtrlitt \ ttt).\l.Blt t un / , t4 , ,t, ,r,^,,,., .^, ,,' ^.,,,,,,i,1,',,1,,i.,""

""' "'" "" "' ,,(ht \a, lt,iti.\ t ktutnti,,j\ :t)t)N

1\, tlL rLl)tt\ Nrttt utt to -\tn\tt th! k, ,, ,,,,,,,,.,,,'""'"'' ''"' " ''tttkttkt ih lttt o/ tn)\:tttr: urt ,l,rtt.n u.qtt. lk l)thrttl!rt: t.) hL, 1\snct b tlL ll\tcr

Capnalized tenrrs used bul nor delin(

Lrnless the conlexl olhersise indicatcs

Documenl.

DEFINITIoNS AND ABBRIiVIATIONS

hcreundcr shilll hn!. rhc nrcitrrrng n\Lr h'rd r1r rh'trr

nquirei. lhe lolro$rnr rerms 'hall hate lhe meanrnP

i r llr. l)!'lrc ltrr! lrrr'lgiv€n below in (his Disc

\l

"pprr"ln ri""*. r-i"'irtd hrling ic Registered o

Lpad.lhris\ur' Kcrrla 680 :61

ad\re! .lorfr ng 1r. illLiLle' (r1 th' rrtrnl)'r ol l'11

ll.Ll to hinr itr cl..lr.rri' L(l'trralcrrxli\'J) lorf\

fiie at 'ManaPPuram H

rii) ol ill{rrrn.fr l).b'r

l-rsu"r I comPanY i w€ / our

Compan)-/ Us

t-lAllotmenl lntimation

Mar

Val

lh.

alknent of the Debcntures Pr

Un

A,-,

D\

B(

,rss the cont,;rt othcr*ise rcq!'rci or rnrprrc\'r\llor ,^lldircnt r\Ll(nt'd

rni.l".

E-sg BoNo-EgP Ptatfot.

Crcdil R"t"g' Agcq,G)

o,,,.in"e

goardissuance of debl sccur

1'

ll

'ctronic book Provrder PraIIor

vate placement basis

LISIL l-imiled

Coupon l'a) nrenl Dalc

I ic datLi on $hieh Alloltrr'rn lor ln' r\\u' L\ I d!r

..';,".,r Lii.,l. '..1',.,1 n{tLr' r\(ttrhl! J!f(nr t'

LSh al par s irh an i.rur riTe oi Ii\' li ( rorc $ (h rrr o

h. in\c\lL^ trh(r rt . \1lnr1'\l T)'1.. r(ur"

I)eemed Dale ol AlLolmen(

ins

l

issued in denraterialized

tion ofRs. 325 crorc! ag

DebenNre l rustce

Debenlure Documenl

n"s.Lrrt"i F

l:

h, ry Cilalyst t_rustceshir Limitediurret tir. llre l)ct'enru[c tr'rutLr' rrr "" "'

lirrmerl\ lno$ a\ (il)A lruslte!lrip l'lnril'd)

"t Sccurit) Documents

b) thc D.bcnlur! Itusl" llr'cn]'fr'

c) lht l)iscl.5ur! l)()!urlc|r trfd

td) an) otlrer doeurrcrrl lhar LI ) be d'srg ale

DebcnluIc t!1sle'

lhr rrbtrrru.L rr!'r " h' " r'rrJ'l "' '''r "'ri"C,,r,p""l t"ul"g "*

tft" tcrrn\ ttnd condnnnrs lbr thc

t hJ O.p,,slluri"' 'rcr' lr)txr' xs tLrrt drd liorrllirrr'()

r'lirii,ril sccurlrl"' l).|'\ rnr\ I lfr r'd 1\\l)l )

l-i il.d (CI)Sl.)

as a debenlure docunr

:n rhe I)cbenlurc lrusl\

rL,.nc. ol lhe Dcb.nturcr

'i,rl r ir l l).n.silor\ \'ri

an,l rhcl

etennrre frusr oeea

Gpolirole. e.r

Oep".it.^'i*

DPDep,^rr,'n Pcnt.icat't

Est t rmire.l

lrrJ rJ':.rl'rr '{r ' " " '' "' "'' hlll 'r|Jrr 'l J

'\1, .':\''irl \.r ""r' ' ' 'JJ''r''I\l'"r

Designated Stock Exch'nge

i-:r't,r c.,I"-i,,s -

!\isions ol ihc lit'r!

!(o \t>-:\_-u

3

lndian Clearing Corporation Limired

rhe tncom+i-\ Aar%t ". ""*"d.d

:: -.lunc-:(l:0

22-.lune-102t)

tr,"rn,r,ona, sec*ir".lGnriri,rro"\,,nrir

,\L J_Ur... ,,- . onJ

ld(rern'rnir:or or (outd rrd,ondbtj bc i\pecredd marcrial ddrer,e chdng( rn,a) rh( abijl\ ol r

I l, rnic',on Documrnr.: or r U r 'eeatirr o. rhe ,

lDor'In(n,. u- rhc rig\r. u. "emedrc\ ot tl,

e lssuer. lo pertbnn its obligations underlidir) or cnforccabitil) otrhe Transa(ion

o cause an! mareriat adverse effed on or

benture ilotderls) Bcneucial Or!ner(s)

]RA..,.," n' tt n.kts .,uttltiot,. ot

rtltutdl t" th! opinion Ll.thc DlblnfircDehennre Hot.tci ht, tulte.

Not Applicabte

e person resiaent outsiae Inaia- *hols a c,.ttzenshall hale rhc same meaning as ascribed to su.h

i(nrx (iUldctire\ t f{lrI.d ofcrrrritnrr (i!id.li|.\ li)r i\\riincc oU ougn arr rt(Lt,uIh bouk rrL(tr.ulr.rrr tjued b\

Permancnr Accounr Nunbei

\ l, \ rnLJarurnJr dnd sr.hairr" .tantaL-rrmaris d

Narional Srock Exchangc ol lndia I_imired

Rl.\

tneoh le!\andbte oro nujoriry (5t%o) of the

finea ana disclosea r0 BSETinrircrt and

Rer

Ag

R-

I).1c

SKDC Consuhanrs r.imGA

t le ttegisrrar or iompanier.r"akrt",Reat rime Cross Scfite mo-n .,t.+;f ic ler hciliN provide,d by RBI

I the rteser\,e u nk oftndi

\eLrrririe. Jnd t\chdnge Borrd or jndia connnu under thc Sccurnie:i;; f.)ichan-!leBoard oftndia Acl. t992 (as amended f.rom time r tinre)

rhe securiries andlxchanga lloard of lndia

SEB

SIJtsI Regrlations

r.rrLrli{'irs. t(Xr8 rr(l I nen(J.{l

SEBI circular no. srter,.HolbDI lSrc-rR/-Fra I8/tr5Ausu\r I6. 20t8 dnd arncrded rronr rime ro lrm(

Issue & t_isrjrrg ol Debr S.curiries)

,r In,Jra o. a pa;;irnA,an;ricin "ndrm in rhe fFMA Recutarion\

securities on prtvare ptacernent b:rsis: nnd an) anrcndnl!nls therclo

lssue ol rared. lstea. securca. non<o-n"eniUfelorm on a privale ptacenreni basis

dated lanuary S,2Ot8 as arnended ori

\ANNt

ooL

sl,lll I llt,Ctrcular

4

securit]_ DocunlenN

Slock I:\chnrrSr'

Ilrc((in\rrrr!\ \c( tL. \.r

lhis Disclosurc l)ocu renr sh.tl1 b.

and lt is agreed beNecn lhe l)ebe

Disclosure l)ocufrtnr and the I).rhe provisions otlhis Disclosure Docu

\.(urill lo!! n.rrl ..r.r!J rrrlo

ir ol lhc t).h.rrltr,e lloLl.r

I ln r.J (ll\l )

l(r! I ,r rrr .!!lr \rr1LL, ii .t lh. ( L' rL

b. xrr.nilcd ti(nn lrnrc 1o I rI!

e$lc l)ebl Nl.ukcl

in coniurreltr r $i1h rh. l).bcrrlLrr. lr!n l)('!l rnrl I

lrusree and lhc lssucr lhat in casc ol an) incon

re l.rusl Deed. tlre prcvisiurs of the Debcnture TnFlthis

Deed,ihall pre!ail and ide

EFt:\ I'r to\s ANt) AB

IS( 1.{t\tIR......

lsst I.jtt I\f()tt\tt\st t.t t)t: L\ _S -..

(;tr\r]Rr\1,|\lo

OI]It M;\NACEMI

l t\AN( tA t, POS|

CI,ARAI ION BY ]'H

\r\t ttL r s \l{.lt

I) iBIivIt R8S..........._....

\ t.\t ttL ll t.t\r\(:\t,txuttE Ill RA ItN T]XUIIE IV CONSE

NI]XLR[ V SUM

\t\lRl \ I t,\tt I

fABL!- OI CONI hN tS

It[\ I\' ()\S.

()N

N Of T U COIIIPANY.

)l.t)t \(; t,,\ I t..R\ \S O:! \t.], I t.t \t t|ltR J{t. 20 t9

AL }OSII ION O} IIIL CO}IPA\} }'OR I IIT, I, I I I UAt.ls

t,uTt utt AND RAI.lONA t,lj .........................

l.lll-IlR FROM 1 I t R[]STt-]-

ItY ()t .tRll ()f tssl 1t\( t: ()t s|( tR ) N. (]O:!}'ERI IBI-8. RED}]EM,\tsLE

L \RS ()F . f\tsI]\(; t:\( t \tBlt N(-t.s ND SI.tCURll Y t)E-t A tt,s.

Ihis docunrcfl i! f. llrcr r "Pr(,spoci

accorrlance $ilh rhc Sl lll Rcgulalurs.

(,ti\til{\t. t)t\( l,\lNt I.]t

otherwise acquir! lhc Dcbentures lo b

$ho il is delivcred and il should lormad. in this docunrenl are gencrall) a

is ro faciliratc in!enors ro talie an in

Aparr iion rhe I)isclosure [)ocLrnre|l-

prcspccrus i| rela(ion to rhc lssucr or

document required lo bc rcgistercd und

This Disclosurc l)orurrc|r is issu.d

on the Conrpan) lo potenlial inveslors

and does nol purpon kr conlain all

sunrnrariz$ lhc Ptuvision\ ol rn)sh.uld h. r.lir.d 11, lirr lh. llll .i1isuppllcd in corrn.cl on \ilh lh. l).bcrlris Disclosurc Doclrnrcnl 5hould nol

i !estor contcrrrplaring lhc purcha!c

condition and atlairs ol lhe lssuer.

consulr lhclr o$ n legal. resulal(N. tax

consideratior\ arising lionl an in!cln!cnnrcrrl rnd thc 'u lahilirt o1 \uch i

lhis Disclo\ur. I)ocrinrcrll shrll nor

lo dctennine. investigale and evaluale

s 1. oi r..[,r)pr or] ol lht l).b.nlrrrcs

assessnrcnl regardii-q lheir cliSibilit)

cmployees. advisors. alilliat!s. subsid

independenl valuation and .iudgment

ensure thal il ihe) sell/ ransLr these

olhcr$ise the r.lc\ ancc ol-inlb nati

olhcr rpplcairlc la\s. so lhal lh. sir

Ihc porcnrial in\csrors !hould also

dania-qe ho$ever arising and ol $

.otrsrrurd rlrar rhc \ccuriries h.rvt

for rhe financial soundness oflhc I

Dtsc l..\l\1l.lR ()F I llll llusliR\'

I he I)cb.nlures h.t\. rrol bctrr r..o n

or irdequirc) ol lhi\ Joe!nrnl l1 i\

nrade or opinions e\Pres5cd in this

tenns oirhis I)isclosurc Docunrenl

servicing rcpalmcnl ol \uch invun

t)tsct,AlMuR ltll(;ARl)lN(; sI

lhi\ l)isclos1lre l)ocunl'rrl ha\ nol

nor does Slilll guar:urlee the rccu

should not. if un) !ra\. be decnled

for ir"Slalonr(tr1 itrl.i(uol l'rort)cctur h!l .r L)

lhls docunr.nl J.r\ rx)r eor\l lul. a]r ollcr to lh. pu[r

issued b\ Marlappurarrr I'nance Lilnil.d Ihc docu

equate and arc if co ibnnir) $rlh rhc caplurcd SEB

cd decision tor nrakrng investurcnt in lhc prcposcd I

ollcr docrnrcfr or fro\f.(l!s hii hc.. pr.l)ar.d rn

he I)rhcnlurts reLnllng Io rhi\ oll.r ha\ b..tr dcli!.r rlrc appiicat,lr la$ \

the Compan) and has been preparcd b\ rlrc Conr

sho]n ir is addrcsscd and who arc cligibLc trnd willininlon ar orr a polcrrlial if!.nor na) rcqtr rc.

docunlerl. thal surrnrar) should nol bc solcl) relicd

I o1-thc p. isi\)ns \.llh(r lhi\ l)isclou. l).etrr

rcs is intlrrded tu pr)\ id! lhc L).rsis ol arr\ eredLl or (

onsider such rcccipt a rcconn endatiorr lo purchase

any Debcnrtrr.s should nlak. ns o$n ind.pcn

d ils own appraisrL ol dre creditwonhiness ol lhc I

financial. accounting. and or othcr professional ad"i

nt in ihc l)cbenlurcs a d shoLrld postc\s thc rpp

rveslnrcnl lo such polenlial in!cnols naniculrr circu

considered as a rcconrnrcndatio I lo purchut. lh! l)cfor themsel,res.lhe authenticit]. origin. validit). a

containcd if lhis I)isclosrir. Docum.nl Ih('rccipirnr

lhc Conrpan\ and lhc l)ebcflur.s ll is dr. rcspo

Debenlur<,. llr.\ .lral Lru \o .rr .lrl.r aL!nr\iJr,.'L $idocs not consliiutc an ollir lo th. public. $ithin lh!

sull lhrir o$n 1x\.r(l\inn\ on th. lx\ inr| .xlitnr\

n r(\|!cr ol rrr,{ifrr .L l.irre 1lr. .,, ' '\..1,'r\ .rr.

tar nrakrng in!c\trntn(s) Lrr rh. [)cb.lrrurcs. Ihe (]

aries or rcprescnlali!!5 do rrol aucept an) rcsponsibili

narure and e\lerrl in conntclion $ilh lhc sdid inlbr

tlts( t.\ t\1ut{

BA\K Ot'l\Dl\

t Rn tu\ & [ \( ll \ \(,1' R() \ltl) ()l l\ l)l \

cd o. rpf o\.d b\ rhc l{c!.r\. lliL rl ('l L )Lli.t nor

o bc diilirrcll) u nl. \loo,l I rrll llrr\ .lo.! rr(rrl 'h)ulrccor\rrrendcd Ior in\tslrrr.nl h) thc l{lJl. l<lll does

. or thc Debenlurcs b€irg issued b) rhe lssucr or li the corcctness ollhe

unrenr lblrnlraL in\cslors mxl make i !eslmcnl d

lel) on lhe basis ol thcir osn arrall-ris a d RUI does

11l. f(n' no\ .l rcr rrli

Ill I r. l)chcrrlurrs lu!.ol lhl. doclrfr.rrl lr is r(r

thc same has becn clearcd

7

SIBI, SL

losurc I)ocLrnrerrr" pl1rpa

i. gcrr.rall) l0 iub\ulrbcI is tbr lhe.\clusi!ecenitier thar drc d iscl

Regulations. I his requi

rllccliof $ilh lh i\ l\\uclor rcgisrali{,n nor is

ro proridc gcnrrl nlo

to subscribe k) rhe l)cbc

erc rhis Discloiurc l)ocporr.rnd lhr r..\urrl doc

ir r\rhil of .\ r) .erl)

rh. l)ebenture! l,ach p

in\.srigali0n ol lhc il iirl)olclllial lnvrstor!

as to the risks and inve

irtc r.urc.\ 1,, rrrrl\

ibilil\ of porcnliitl Ln!

this Disclosur. I)ocunr

rnraning ol lh. Conrl)ani

lrtirr: 1. r.qursrli.n o\!

and or liabiliri li)r ari

oc\ l(lll :,uirrrf 1(. 1!r.

ror. ir xrr) $!\ lr. J..nol ral'c rnt rcsPorr!ibilr

ision in lhc securitici o

c). corrplereness. adeq

are r.quir.d to nakc th

acccpt anr- resPonsibil

nr.nded or apprc!cd \ Sl:lll! undcrslood thal lhi! d

ibilltr cither tbrr tfie corcctress of the!alc pla.ement basls. lllinl olrirne. tvlrh th! I

ls( l. \t\Il R ( l_ \l sl.

ol lrdia (lssuc and

r.af that lhis I)rsc

inircl in ln! nrarncr $a

\ r(quired. r cop) ol lhi\

r nr.fl nof drr\ lh. llSlr I rlir.Ll: Ior (l{,r\ rh.

SCLAIM ER IN ITESP

rngs arc oprnronr onililies or ro bu!. srll or

LirL.' h! .\.rl h\ ir tt'(,lLrr!\,ir (.frtlcl,,r.\\is\ions or lor rhc rcsut

b\ lh. Credil Ral ng

t. ()t DI.RI.t\ R

oLrnr o'rintrinc(l b! lh.nred l)ale ol Allotmenl

rL( l)(l,UILL !\ | Jr|))r .r(i . ,,l l).p..10f.\

financial soundness oI an), scIemc o. the project tbrnrale or opinio|s r\pr.ssed iI rhi\ docume

ol lhi\ docunrcrr i\ nol re!!ircd $ilh \t Ut

anl n'cgulaali!\ or lapse\ ir lhis documenl.

l sl(x l\ l.\( ll \\(;t..\

!closurc l)ocunrert has bccn lilcd Nilh thc RSE Lirnisiing oi Debr Securiries) ltegulattuns. 2008. as

ofthis Disclosure Documenl to rhe BSIt I_inrired shoDocumenl has beef relicrved. cteared or

certilj or endoxc rhc correcrness or complI I rlr 1((l $rnrnl tlril llr( t\\1l.r'. I).hcDlUr(\ uiSl. Lirrired trIc a,r\ rcst)or1\ihilil\ ti)r lhr soundneis

or an) schemc or proiecr ol lht lssrer.

ot, CRDDtl tt^TtNC AGENCll]S

il qualit) :nd are not reconrmcndations to sanction.ld an! rccuril). Ih( (red Rrrif! Agcnct ha\

oblaincd liorn thc rLse ol {rch tnlbrrnarion. Mosry hale paid a credit raring tee. based on the

l\ l)l]t.\ tfRt{t.tsIt) t. oR\l

in dcmalerialised lbrnr. I he Issucr has nradel.rirl \el 1({n. In\tj!k,r\ $ill lra\e l{) hotd lhc l)eAct. llr. l\\U.r \hlll ltlkr r.ecssur\ nep! lo crcdit!csrol $irh ils I)cposilat t,anicipa l. the tssuer will

!.riilcalion olrhc Applcaliur l,ofln. rhe

n(.Lrl.lrlc rIrl rclilhlc lhc ( r.Jit Rrltn! Ag.oc\an\ i:rliitrn11i()n !onla n.(l n lh \ t) \cl(LUrc

ihe Issue is proposed to be made. (n-Thc issLre of Dcbentures being nradc onSIllll reserles rhc rlghr ro take Lrp at an\

ld not in:rn) \i\ be deemed or consliu.d

ir lcrms olthe Securilres and F-xchange

fion rime to rime. Ir is lo be distincll]

br the BSE Li ited: nor does rhc BStofan\ ol the conlcnls ol this Disclosurelislcd or $ ill contiruc lo be tircd on the

'r. disburse or recall the conccrned bankrrs ralrns5 on inlinnarlon obtaincd fionr

ol rh. lin.ncial and other condilionr ot lhc

nol. ho\cver. l.luar nlcc the accrrac\.and i\ nol responsiblc lbr an) errors or

ilies whose bank laciliries instrumenls arcand rype ol bank lhcilities/insrrunents.

nts wrrh the Dcposilorics tbr the issuenrures r d.nr.rrcri i(.(l ro n as pcr rhc

I)ebrnlures alloflcd to thc bcneticiannrak. thc Allolmenl 11) the tnvenors of ltre

ing docuinenrs and on realisation otrhe

t. ISSUI]R INFORMATION

Nanrc and Addrcss of thc following:

Sr. No. Dctaih

Mifapf!.rnr I:ilancc

Ollic. nrd Nlrr.rl)|!rr r ll,,Lr.!

oljic.

O1llc. t:,rp,rrurc otticr ,\rrc\. i0L ,\.lr$.Lr\r CSI Ro.rd. (lLirrn.

Mumbai 400 09t1.

1,1.rl li(r( or \rL.rb.r

lv,*i r*".,, v.n .

'\1,,irptrL,,,'rri I 1,,'i.. ' \.1.1|.1.i ..1' i!,.Ll.L

Lt llrr 18?) r0i0 t01J

fttqr lra rro q:qt1.

Irl l.r*r Ffrn. ofrF]B-d, Ar

rafL,)ot lh( l\suer M.rrraPPu

' 1, nail

I 1sl.. r(j 1lr! l\nL.

( r.Jdr1 l{xlirr-! ,\gcnr!

Ia"ait,,,r'l "t I*.'

Mxrol KrLLlrlr V ll (iJrnpun\ S.cr.lrr)

(cFo) of thc lssuer l-w"11*,

ttot". valapad. lhrissur. Kcralap80 567

ll. An.rne.ri. Ll irr)..l N

t,, lC;rar.'r l rr'.rci.l rp t i,rk J r lurrr,(,,\ .'"*,',' ['na l ru'r((\h'o l rrrr(']

ar (iD\ ll^,,.c. l'.or \,,.8:. lll,u.dr' t o1,,,\ (Rr{hrr. |JUJ Road. l1r'( 1 lr 'x

Iandhd\Ir.:abrartrlt.,rl,LedrOlllcc\u.R.l-87{rhllu,.Mirra'Ir^!(r.l}uirI

cR rs ll RA IIN(; Linritcd

l).1(l 1r. I l,r. r\,\ \rl . I I l' I \lilr 1.11 \Lr,1l1(i 1'l llr( ( ";rliL'\ I

l).lL)irr.(.ntr. \ Llr(ir!r! llll(){) I l{,!Iiknr\l l{Lr .lli,r3.rL!rrL :(r00lll

(onnunr.rrof \Jrlr.'i lir\1 lLLri, \\ilr)orl l'itrl llt\ir.\'(crl . \\!r i'rrI{ord. Ko.lri 6Sl0l(,

I

\ 'rr'r.r I l'^ir" \4' ll_.r' 1l)rl0-

ll. l{c:in .r lo lhc l-\ut SKIX (.f\r r'L r' I rr l'tlKrrrnl)ilh\ o\!A t ll\!r.lt()l \1.\r(lrl ltol(l (irrrrl)itlhl ((1 rrlrnlorr 6lL

L"'

I

L

I t,:ri,r",",1

It L,rnor.,rr

9

FLrnher.lhe Comf.rcli,vilies ol an NIdaled March ll. :

ll'c busirrrss, rcli\ itie\ ol Ihr l\\ucr

incorforal.(l r( lvinrnfrram (trrerat Iifance andcs Acl. l()56 \ilh corporatr identir\ nunrber t.659

ned a cenillcale ibr conrmencenrenl ot business date(lnappuranr l-inance l-inrited pursuanr ro a riesh cerrit'1n)- had obrained a cenifcare of resisrrarion. dared Mlic accrpri r dcposns. Ilo$c!er. suLrsequenrt). rhe Ccll I issued b) Rlll to cnrr of rhc acli\iiies otNBFCc ir nnrm ol our Compan!. a lie\h ccnlilcarc ot- ll l^ 'r(r.'., ( .\ \..rr.J t.- t?t{t , L., \ rrr . r( .trrr\lior ]j lA ol thc Rlll Act lhc\hirresol lhc corrpan]llndia I-inited.

ones nnd achi$.mcnls

s lbrlh lhe Lc\ c\cnts in rhc hillor) oi our Conrpan)

businrss conlaining thr rcq ui

.casing t-imired on Jul) 15. t992. Kerata.0KLl992PI-C006621 as a public liniiredJuly 31. 1992. lhe name olthc Compan]

care of incorporarion darcd June 22. 201 I

')_ 25. 1998. issued b) RBl ro carry on lhe

mpanf obtained a cel1iticale olregistralioiwilhour accepting public deposils. fudhcr.regislration datrd Jult .1. 2011. bearingitics ol an Nlll;C $irhour accepring pubticr!as lincd $ith llSE Linrited ard Nalionat

t()9:l

l:or:Our

O*onrflllr\ \r\ rcorp(,.lrd as Nllnrfput|rr (i.rera t: rnce afd l.caslng I-irIir.dolnpar\ coDrplcrcd l0 years ot tisling ar IlSt_ Linritcd

:0t5 n] liunched online CoLd Loan lhciliqt0t5:o te

)tr[af\ .c.i\.,] \trc ll (o n n.r lion rtl (to dcn Pcu..\'R.,,\

. . \ , t.r ,.,,, l, l,

I snarcnotacrs

tloard ol Directors .-(

MD&(t:o

/\t*rut) (.t ,--r)

Our

nesr b).rhe lfdir Il!lllon and l$ve|;-

(l

Chairman

@CF(

V

't0

redtl

I

(.

l),

( ii) Ke.t o?e tit tut ?r tntttL'r\_lot th! ht\t -l t titlttvlh.

For Finnncixl lt rt fY3l-Mar-19 3l-Mnr l8 I l -Nla r- l7

Ner \!onh .15t47 l8ril'lotal Ilchl 15295i [an)7]ol \rhich

l().ls6ltlr)\ccurcd llo o$ ir I1635 I l]09 I l6lJ

langibl. Asscr ti 1687 r8l185

Caslr and u.().1 ls rl t7l

r\ esrnr.nr\ ( ! r.fr

Ollro I .tr rcrr r\!.

t7.lll

6i)irOther Non,Finar :ixl 70ll lt9 lu

Other Finar

liabilitiesiir l06l

Orhcr Non-Finarliabilities

9:i 467 JL

Assets U

Managemcnt

r9,1384 riT6llt

Orl lll irfcc S l.l8l7 10t l /t

10[ r

t0l0,l

o ll\t,1 I

irc- .l6 r

!tt I

ttTl

rr_tl0ii l) ).1 l0

Ncr NPA (on) 0tl 0ll'I ier I Capital Adeqr

Ratio (%)ti t7 t6 59

I icr C

,{dcquac) Ratio (9/o)

ilal 0l8 019 0.1

(ii )

Gross D.

Proied ott onl ncx

rbt: Uquily llalio of hc(

/iturti"!:. il u\t r/ |1 t, tht i: tt c^, t1 toj.L ts.'1<i

Ilclarc rlrc i!su. ol lh. l).b.n J-.07\ll.r 1lr. i\\rr.irh.

\ liri(l hi\lor\ ol rhc I\srrr

t ) Dltrih 0/ nlln,cul)

tl

cc iis inco' pomttun gjying dctails of thc stnr(rt

ds ot' ltn qnt.tet en : 3l't nloch 2020

'a'/

:(11 /-?\

/.11

I

l

( ii)

(iii)

;;'- c*rt,r rr,,r tfrc ou!rler ended .i 1"1 itlutch 202

'c Capitnl

\hxrc Crpil.l

"(iib.d a rd l'3id t,l sharc CaPital

re CapnaL

Slrr. CrIi1r1

it\ t.tt)itrl tttuttut( ds o qnurlu c n i l lor t! h'

[quir\ ShrRs.200.00.00.000

Rs.4.00.00.000 1

rl.. ros.eeS(iiio I

Rs. 168.99.36.250

l"irlEquily Sh

'l otnl

I

Dr1.Chan(^cl[c ]\

{

I

)

Rs. (Aulhorised CaPrtal)

uquit) Shares CCPS

(of Rrl0 - (i,t Rs. 100/_)

$ r.l'0.1.U3,10

orns.:l-) 1

(of Rs. l00l

23.0(,.20( F]GM )

1 2.80.00.000 18.00.000 .l_00.1) )() 80.00.00.000 lhe tolal aLrIno.r/.u

capilal

incorporalion tlas lts

1.00.00.000 ar(l

srbsequenlly ,l l

incrensed lo Ii\80,00.00.000.

l5 09lt(,\(i\11 'l

I

1.60,00.000 50.00.000 4.00. 00 80.00-00.000 lncrease in tolrl

CCPS aurhorized

crpitrl Iionl lt.

'l8.oo.ooo to tr'50,00.000

'll.0l.l([cM )

rn I ::.0o.oonoo N .r.00 r00 t. t0.00.00.000 lfcrc'rse rn roLrr

equil\ aulh.rlT.Jcapilitl iorn l{'. 60 00.000 t(, lts.

5:l00.00.000

3t.05.2(I]GM)

r r 1 i,s.oo.l]o 000 Nil 4.00 100 2.00.00.00.000 lncrease In lol rl

equir\ aurlrrr/$r I

capital liom lts

51.00.00.000 t0 lis.

t h'\t ttuottu cttlttl tttt llt

tl)(r)

L

r.500.000 I t0

I l

i.iuiooo I r.ooo.0ool 110.000,000 IL

?/-;>\;t 5(Vt2

I

t0t0

j rrLerg r iir nrr li ) ri ?

l0till

l6ri Ah ,.n,,,r,r1.,r

lirl0

t{]ll

l lr)t?

lf li)rlr.tii,*

:i)

::r_ r.rr,s..

:ri r1,r rt . rL,1r t,

i.r, -.:l ri r.r,,-

:"..-

rra;r7l

,'a.-.' ,i,,,,.i-:JL

rl.l.r1r' ir:, tr ' ',.:ij,ji )rl ]r. ,rL,itr,,r

r.!lr_1 .'!r. r,'1'_.|\ ]

rslr.. l!ir lr':iL

rrlrr!L ' ii l. r,_r,)s,

slrlrLhl sr l: rl,-ir [.]

r.i lirI s1li r'i: l.'

i,t.:*m;* r. ' ,.'l

I muut -, ,tI .",:,',,' ll:r ll t a,h I n'nl,^.r

xt

rr

20lo

lrrll

t0tl

i t0t7

L,,r,r^.;-lnI r*

! i,nr^( xll il \!L

I

I

j

I

a".r lr,,r,^. \r \i,', "

)tl

t!l r"nr-1,, r,rr,..

I I . 20111

t0t8

lut l1)18

li\,r,rltrl tx,r.

.lt.l.lil

hrl] 2lt0l6

ll,t",,lI \,-,1 Tt*.''*" il::l 'tll"Tl*a lr,;1-,,-1p,,;i

prrc nfl ,unnJ(r r \ll,,ltrntrt

rl

(i)

( ii)

r tLl,

onsultanrs Linrited. As on dale. lhe

(i\ )

ing ot thc ( (,np.n\ as on lhc l.ricn euarrcr E

Conrpan

t0 hokl?^ ol ttluitt \htr!\ ol th? e,tryont.u! on .1

lhc \hrr.( ptedlcd or.ncLnbered b) rhc

tl l|! ( ot t1 t t\ o hltt tt o ar i.?. -l 2//2/Pleasr refer b Anne\urc t:arc pan olsharcholding pattern.

Share

Capital uot,Asll\Rls

un.\' ttltui\ition ot t rtlson it)tt n; hc kt\t t tc t:had acquired sharcs otManappuram Conrptech and

has conlplelcd acq!isition otr)9.8lon equity shares.

reoryttnitttti)tt or ruon!trxltit,tl ht h^t t .t,eor:

Dalc of \rnoun.crncnr

IoralSha

st. NO NAMT:

t4

Drk,FT \;r I r,rc ri,;" ivtr,-,rvt.rm.lnr cqrir, \ itm lDd( D( ( ",,*| .h'rcs r.l cqtrih n,ni .r,,*,r,

l\li,,n . 'r r"'t ,\(

\ll,trntr r trn ,fcqtrir\

lhnm ll i.r8l

L:rtclllltlt l

Irl7l

.19.1I815:

I\i

I)et.ils

t..

t_

NANDAK

OPPOR IL I

M RVP I l:t6tlQl,rts t'|oNt.tt)

\ANI)Airi nr:r.,rvs

BA\K (SI

I;IDI::I,ITY I

lRLisl'SERIES t

MAR

IN,lAR

L l{( ll\\ L

I []6116VIJS I I\,1FN I

ll)[t_ Y

IRGtN(lI: ISllt.s t:t \r) t8q lt!9.1

CAP I'IJNI)ral nlNI)

D.L ANI) I

lS lJl AB(iP\Ilot)1.\

A A r\.l l)0.l l0 R

AAACQ4,r]5ll

,\tNl,srti6ll

,\,^ccti00l0t

'r lti \\\ :1,i1\

1..10

t.9l A.A,\ I( .11601:l

SI] S AMAltI l85ll80

llJ()0 t078

2!!?t7!

8l?85880

.1800 0lli

.r []6t16

l8! ltre I

fONL

I S l-lMlll,l)P II]NI)tA PRTVA I r

fUND I

'F]S'TMF,NI S

TEI)\ I'RI\ \ L

F'IJND II

II t]D

\ \(l( \1rrl,)I(,ttl

t6 it ll8]

la0 tr,)ll AADCB0.l r?t.

l_olktr\ ing dctrils regarding c l)irrctol. ol'rhr ( o rpnn\;

ditc!fu,r! 0l t! (i)t1llttt.t:\t) Dlkril\ o1 1! c

Direclor oflhc Co'nPan!Since/ Da(e ofappoirtmenl

Mr.Jagdish Capoor.

Chailr1ra,r

DIN:00001516

l60l Ilrookc ViLlc

M.rhlnr

M nrbai' lll00l6

i

\ J,lr,L||],Lll\ I l,t,'.

10.0r l0 r0 a,rt;,, l r,,tr.. c,,\lrc I iNil.d.I 1( l'.rrsi(l

l.d. Ll( lll'l

rsing l'in,rncc lld.alcs l.inriled . I Il)l:Cr ilcd.spandanaSphoorlh)

rappur.rn Il!alrI L.! ! I

anrppuram Corrslrrcti

n{kanr! l.inrit.d. M

I)SP SMA

I,ANDTMTRUS I I.F,

I)I. R

INVLS I ME

MII) ('

Namc, Design

& DIN

15

rlrc I irurrcc I Lr| 1.d

p!n\

t.ta

sll\.

::

0 t997:

Mr. V.lManag

CFO

Age

DIN i 0,,1,.151: Micro l,inancc Limned.M!nappuranr Chirs (Karnarakal

Private l-imited. ManappLrram Chttl'unds Corrpan! I,rivate I_inrjted.

Manappuranr lniurancc ArokersI-inriled Manappuram ComprcchAId Consullxnls l.imired. Adtu\M.dicir) And Convcnrion CcnlreI,ri!al. l-ill1ircd. I inance Indr\x)

Courcil.Manappuram Agro Farms Limited.Manappuram Jewellers Limited .

SNSI Advisories pritare Limired. I)1A advisor! Pu Lrd . DTBAd!isor\ l,!l l-1d . l)1.1 Ad!;sorrl'!t l-td Lions Co-OrdinationConrnrixee Ol lndia Asv)ciarion

(ltomotcr In Maben Nidhil.inrircd. Manappuram Chils(lfdia) t-inrircd ManappuranrAssct l:inancc I_imiiedl

Ilabu.

l)lNr0C r.116:l

lll n!hnl Ilous(Kalparr)angrlanr

llr i$l1r 680681

l]08 1009 Asirvad Micro r-inai.e Limired .

Manappuram lnsurance BrokersLimhed. Manappuram Comptech& Consultants l.ld

MT P,Mi

DlNr 00r 42816

Itllish \ehool lto d

Chenrr ppinn\.Ponlhrissul' 680a,87

lll.08 001 N]

dn Dirrr

l)lN:00 r.l68.l{t

In Nara\an

91167,1)

6t Valiparambil House

i0 810. At ll|lholeIhris\uL 68000-l

[ 09. r002 Manappuram tnsurance Orokerst-imilcd

rl)lN:0-

l60.l AqUx Io$crll. l, nel (iodr..i

K.\hr!r.o Klrad),c

Marg . Mahaia\mi.Munrbai-l000ll

08 0l rjt loolho\ lndir I oufdaton

:jprinrs l. l.lar No:l00l \ ald Il. l0I:k,or. 0l)Anrbekar Marg.wadala lel E\chNaigaon l)adar liasl.Munbai.

06.01..

ffiS/

0ts

N

ISW Cement 1-irrited. Niyo-sinl'inl.ch l.inr r.d. ISW lrotdinssI-inited. Anan] [irance lbrlnclusivc Cro$rh h.ivarc t_inrn(d.. JSW lndusnial Cases tJrivarel-inited. Monnel tspar & [nerg]Lrd (taken o\,er b)- JSW & Ajon

16 >tI(\:

Delails of othcr dir€ctorshipDirector ofthc Compan)

Ni Age Director oflhe CompanySince/ Drte ofappointmcnt

t erails of oth€r dire(lol.si ip

Maharashtra.10(x)l l

Prit

t.in

.Ca

xl. l,!rlr\ ) \\ . ('lle(l ('r b' Lliit \ ,,i \\ ,:;,! .1 lJ,,,f( r.' 1

n n I f! S..f!.\ L rnilc

pllal

rir.d

Mr. Abiiit Sen 6il A 91. Crand Parad i.

571 1)ad)!cth llill.ALrgu( Kranli N1arg.

\.rr li.rrrl\\( or'.,\'1unrhri. Vrh.rranrl

.l(r0016

17.0?.t0r9 Nar

I'inl

linKall'in(JiCh(

Tal

Bo(

R0(

lrrrI-inlln

t;in

rfim Agricultural Fina

nc) Privare l.imitcd. Ll

ncial Serviccs l.imilcd.il.d a!\hlr(n \1iuo (atri lirgc l.i iled. Vnce Iri\ar(r l. nrilcd. Inal Lirriled r lj(JI

khani Sccuritics Lirr

L Invcstnrenl ( orB)ralidlker lndia Pri!alc l.imi

ker San m Wholc\irle P

ircd . Asirlad Mrcro l'iircd. Pranrerica l.it! lnsr

ircd-\onrincc l)lr.clor r

rinistralor ol l)e$an ll(ince CoDoratiur l.inriled

'c|rgii!nn

r,lLl

rcd).

Lrd .

Mr IlaBhan Kollan I:lrr 6 ( rick.l ]8.1)l ll)19('({11 lr . J.rh! l

No

irl (

Other Direclorship ln

rpanics lloldirr:r I)ircclr

ompanies incorporated ir

shir'Uli

r 1(,1Nlr Slr!ilcsh N4rhla r1 .101 l,l. (.niro !..llillsborough. San

Calitblnia 94010.

tis

t1.0t.lr)10Afl(

Sh

l.i

.ri Ikh.lli.' !rr,l., I

ius \ u !. llors ng I

ir I irnile(l \'iculrurrl I inn r! n! 1

!rr.r linrircd. \' 'lu.rr I ii\.c! l')rL\!re l.rL'r1ed.

rlrrr FiIa c. ( .rp,rired

i i\ /r1 ,1Lt/,rr

rllt,tr,lt! ,t tl

. \1r K\hit:!

. Il N Ri\ec

ir1 suhDtittcd ta th( (t" Pun!. !his I' tt) co lirnl! RB1.E( G( l!ldultct! Iilt

gar resi-gncd $cf06" No! l0l9 ard l)crrrise olMr' R

dra Babu redesignalcd as Non Ercculive I)ircclor we

lircdtts \i|tt lust thru -t(u^:

iiven or 19.10l0l9

2g'h May 2020

Name, Desig:iati ,n & DIN Date ofAppointmeni /Resignation

Dir€(lor ofC0tr'pnn] S

Mr.l.LrrnikrishIafI)ll!crL)r & I)\.( 11 i)r I lr)li

0t. t0.20i

'z (i;T ('\\fr

( ii)

Designxtion & DIN Dare otApp;'t;e;i /Itcsignalion

3.1t7

8ll

18.08.1001

17.01l0t5

l7 07 l0lg

06.01t0tl

Rc\lgIcd

l)lN:01

DrVM

l)irc.lor

t)tN.on

io' 'r''r'

l) rcclor

I t,,^, Of,

i r'r, p,.i i

l, r.(rt,r

I)lN:00

]trlrecror

'(r)t\:o:

ir.r'.ir,"i

l,l\ r) l(

liu,s. An

iEui i

88t:r

ln Ra!i Nararaf

ts 07 t0 r.r

t7 0l 20 t5

Iletirc h! (ration and

not kr set reappoinlcd

$.109 08.1016

otl0t t0r8

l:.01t t0 !8

Appoinred on

t7.07.10t9

06 .l0t9

R.'s,gned

Appoinred

Resigncd:sh M.h(i

j lllel

ri sa"rarrri

Il S

l)lN:01 .l.l65r)

I S.|

os.o:lors

06.I t. 1008

ru::MrVR

I

l t

(r)r,<0j0

N1r LknK\lriNr

9)

-llR<sisnarion l

(001:18

oli 06 l0 l

It rr I :irtl028.r465

rvr-Sn-ui

0 t6li89

:8.0 tt)J0

lappo ,ii"al7 0t t0l0

L

any Si'rcc

sh Mehri

18

21_02.2020

Resigned

App"',,t.,1

;;1

C. Follo$ing dctnils rcgarding

.i Mr. B.N

ti) Detnil\ 0l tltc u

(ii)

Tidel l'ark.No,l llajiv Can

Salai. laranran (hcn

600lli

D?ttil! ol t:hun!:e it

t!,lis S.R Balliboi

LLP.

it.01.1011tsxil on

l8.0lr.t0t7dhi

l

Detnih ol' borrolring of lhe

lhr( ol 'tr pc ol'

t':rcilir\d (l{s in

()utrtrr(lir px) lllrl)nlc

I

Dnle ol Appoirtmenl /Resignation

Dircctor of tCompan] Si

ndrillJrr n rd. ,,rr.l ',\.',,,\a,,.. l)

ne Audiior\ 0l rhc ( o.IDrr)\.

or $cll9'r'Ma\ l0l0

& Srlk l)cloril.c a.nlrc. Arrc xnrfc lll100 I Itich nond Ro.d llx lralr r-56001

Conn)unicalion Addrrss I;irn l:loor. Wi

Pnrk Ilusiness Certrr. wariam Iload. K

6111 0l (r.

uu itor \incc lu\t tt!!.tttr\: S R lttttlihoi &

liu\t 18,llll()5th tC \11

l8" AugLrn 20

t!\ cu\ctlto !\i\t ns nu

Datc ofAppointmenl /Resignalion

l.rr(ler's Na

19

g (lts in (

\rrrn(. D(sitltrtrtnrr & l)l\ IaeIl)irks

hail-; l it."*

II

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\

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ll ro-.lu l8

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2l'Nov-I8

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incl Ilcceirables

6.2 5 30 Scp-10

.ll l)cc l0

'l l-N{ar I l

l(l.1un ll

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incl Receivables

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incl Rccci!ablcs

incl Itcccivablcs

Curent Assets

incl I{ecci\'ahles

tlookdcbts'

Onlending toMFI's & Vehiclel'inance at PriorirlScclor

A\\i!n t(Dr ol'llLrrkrleht<-

OrrlenJrng to

MI l\ & vehicleFrnin(e ar Pnorit\SII'"Assignment ofBookdebts-

Onlending loMl:l's & VchicleFinance al Priorit)Scct(n'

i I .lan'l:

/\ssisnmenl ol-

l]oo((l!brs-Cln lend ing loMIrl's & Veh ic lc

Irinancc at Irriorin

Bookdebts-

Or)lcnding to

Mljl's & Vchicleliinance at PrioritySector

lt 22-Nov-

l8

IL,I{MI-OAN

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05-Mar-t9

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debts and

receivables

l8-.rflr-ll6.2 56 tr

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510

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5.i0

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3l-.lan-2l

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Onlerding k)

Mtrl's & Vehicle

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l2l9

22-Mar'I9

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22-Mar-l9

22-Mar

l9

l2-Marl9

I-Mi1r

NABARD

NABAItt]

S IA I I: I]ANKolr lNl)lA 1-1.

Bookdebts-( )n l!ir(l rl!.loNll:l: & \'ch rlrI inir ria rl l)r,r'r1\

tluuirtcl,r,'Onlrnd r! lo\ll-ls d Yelriclr

l- nrnce at I'riorrl\

Rcceir lblcsinc Ird ing enlirr

(;,)l!1 L,ir r

Itccrir.rh cs

(iol(l loanllc.. \ xb lc\in.luJ irrg errtr.

(;old I ,,ltrrIto.ei\ al)1.\

inc!udirrs cnli|e

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(lol(l l.oirn

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I 16.00 r rl,t trlt6 r)0

1i.00 -1,.,.ti 00

li 00 :l '^llr lrt15.00

ti 00 ll-U((-lll15.0r)

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lr l)lr ll Llur-: lt:00

li uu ll-F(p-l Ili 00

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22

l9

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S IA ll, BANKolj INDIA I l.

SIAILI]ANKo1r TNDIA I t.

tll-rtr.

l6lr)

l2 Mar-19

st\ .8,\\K( )l l\l)1.\ ll.

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lll9

tS I,\ II: B,\\Kot lNt)r,\ ll.I ,,

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2l

ll

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i8

10

ll

ll-V,tr

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05- \prt9

05-,\pr't9

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I oo,o , .,")2_M*-)r I

Reccivables

I inLluding entire

I Currenr Assels

| :ob.oo 16 on.-.,, Reccirable'arrd

I dll( urre l Aisels

i-d.:s | -]o-r,, .o ( rrrrent A\5er\

I I incl Receivablest__+_ +_

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I

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200.00

6.25

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e,u[.rrtu.,l,rcrrrD

I

rl,uf .l

r IN,dNCE I- I I)

l0'Sep-20

I I-Dcc-20

incl Receirables

6la

b 15

I6IiI

l:.)0

r:.i0

6.2 5

I

+

6.15

currenr Assers I

inel Receirables j

6.:5

( lf

.li l0 Sep-l I

I1-l\'lar-l I

30-Jun-21

incl Receivables

incl Rcceivablcs

nrr rL r

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IOAN

lI I]RN,I

LOAN

6.2-i

615

I I-Dec-21

04-Apr'22

Currenl Assets

incl Receivables

Current Assets

incl Reccivab,es

ir)cl Ilccci!ablcs

Current assets.

tsook Debls &

inchrding Coldt-oan lieceirables

1.,;*;Book Debts &

I loans and

ineluding Cokj

I Lo Il Rccerrables

Itll l.llL nl

Ru1. []ank

IL,RN.{

I,OAN

l

l].50 0l-.lUl-:0

l:.50 01 Oct-20

I

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24

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05-Apr-

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05-Apr-l9

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I ltr

07-Aug-20

07 No\ :0

0i lrcb-l I

Mumbai

Corporate Office

Nlunrhal

Corporate Olfice

Mumbai

Corporate Ofllce

07'N4a\ 'l IMurnbai

Corporate office

1t06 0l Au.! :1

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J147 li)7-{uS-2:

Munrhai

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Corporate Office

I07 lrcb:l M umbai

Corporatc Otllce

l.l6 iMu,nhai- r Coporate Of'fice

26

61

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Gold loan and --othcr loan

receivables and

the underlyingassets ofthecompany

t6 0: .luf" l9 llAI {\K\|l

I t: tt Nt

l.oA\

07-Dec : I

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conpan\

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07-.lun 2l

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the Lrnderhing

assels ol-the

compan\

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rcceivables oflhecompaDy

79 :9-Jun l9trtilBAI

tlttAL]K

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llccci\'ablcs

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S(l 19 .lL l- l9,\xll:t,

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il:ltN1lo.\\

q.09 .09 l0'Jun-10

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Assets incltldillgCold Loan

receivables

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l

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l

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lti l9-.lLrn- 19AXII l,lt

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9.09.09 l0-\lar-l l

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ui 29 .lUrr- l9AXI:II]R

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9.09.0q l0-Scp-21

linlirc Cun'ent

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reccivables

lr\(o4,

28

29-Jun- l9

AXIS BANK1 ERM I-oAN

AXIS BANKIF-RM I-OAN

29 J un- l9

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l.o \\

| .",."-,,*,"

inclurlirrg (ioldLoan Reccivables

IJook Debls &Ilcceirablcs

including (iold[-oan Reccivables

-'l i.tl :7 US:0

Cold loan aDd 'other loan

rcceivables and

(iold loan and

olher loan

11.33

t;, pa|\

(iold loarr and

olhcr k)al

li jl l7- \rrg-ivables and'jI r-j

i

;,;;i;;;rfo oo ] ro-s.p.:o Recei!abtcr

0r)00

100 00

50 00

8tl

100.0t)

I00.00

l7-Scp-:0

IISepl0

22-Sep-10

L

l

I

+

Current assets.

Book Debts &Rcceivables

including ColdI-oan Recei\,ables

I

PNtlook Dcbrs &Reccivables

including Coldl-oan Rcceirables

50.00

-l] t'cIo

l

|,lt Nl

\ 8.31

1;.,^,."*.1] Loal Rcrerr,ables

I

and Other Currenr ]

I o*"' _]r_t i

..ml0.lUn l0

l7-.\

t,Ntl

PNI]

t0

5 8.1-l

ii.l.ll06

:6 Sep

l9

:6-Scp

l9t ( o I I R\1

t.( ).\\

I]CO TFJRM

I-OAN

I

t CO I l:ltMt.o,\\

U('O TI]RMI,OA\

26-Sep-

t9

l0-Sep-l9

8.1-l

8. r-t

8.-l i

It. i I

8tl

li lt

T l IERMI roor

l08

l0-Sepl9

t(() :t{\1l.( ) \\

.TF]I{ M

LoAN

I'l:t{MI,OAN

il-'*- Lr( o It,ttN,l

I OA)!

--l lrFRr\lI-OAN

It]RMLOAN

tt I lo-sep'

I i t9

I]('O TF]RM

I,()AN

lflLI

t1

I

l0-Sep-l9

t.rco t-l:RMI-OAN

t,OAN

.i0 Sctl

t9

UCO tI.,RMLOAN

L;;..""IO N

II RNI

t.( ),\\

8ll

ft.. R N,t

I,OAN

I IJR NI

l.oAN

31

E rl

8.14

li.I I

tll

ll..l l

r,,.]s.p.:o

.r lD(c-t0

'l llMrr I I

i rrllU n-I I

iul\cp I I

Cold aDd Otllert.oan n"-,i'lrr".and other (lJncnr

Cold and Orllcr

t.oan teceillutcqand othcr CJrlcnt

( io (l ir rrl Orh.rI o:l]] ItcclJi\ able,irld ()l r.r ( Urr'.llL

(iold and OlhcrLoiIr lt!.ci\ al)i..aId ()ther ( Lr!r L

(iol(l ir r(l OtlrcrLorf Itceri\ ahlc.Ild Olh.r ( Ur urL

(roltllrttlOthgl.oan l{r.ci\ ah c'arrd ( )lllcr ('rrrcfl

(iold aId Oth.rl.()nr) l{...i\ ll) !'and Olhcr ( rn.nl

Cold and Otller

and r.rrtrurClncnr

til ILI)c.:l

E.i I IllM.'r-ll

_lt__l

8.il

C,,,1!l .,,l(l orll(l

,,J.,."-.. I Lo ,, Rc(!,\r,hru\' and ()ll,er ( !r!L I

Assct.

Ila rrrrcnr \r\dr. ol

l0l Irn-l I

lh(. ( ,'Irpar)l

lt.rI

1I]RMLOAN

ll;::""PNI}

t.o,\

PNt}

LOA

t,Nat-oA

PNI}

1.{),\

PN I]I,oA

( )l](

TI:RMLOAN

ll,ltMt.oAN

Cuffenl Assets olI+l{lSep-21

thc Conrpan)

+l0 Scp

tq

r0 scpllrxM

I-OAN I I-Mar-l:

l

Current Assets ofthe Company

lhe Companyj

tlI

tl

l0

t(r scP

l9

9

'i'rrML-OAN

Ilrtt\4l.o \N

66.66

66.66

l0-Jun 2l

l0-Scp:2

r?.50 l0 Scp l0

,[.ro I .,,-o*.,0

[.50 ll Mar ll

Currenl asscls.

llxrk Debts &

including Cold

1

t-I

lL

l0-Sep-

l9

l0'Scpt9

l0 Sep

l9

l0-Sep-

1q

-llil vl

I-OAN

hm,I,oAN

ItiltNlI,OAN

tt:R.Nt

t.oAN

1t.50+-l:50

[50

l:.50oB(

l.oan Receivables I

Currcnt asscts.

Book Dehts & I

including GrldLoan Rcccivablcs

Crrrrent asscts,

Uook Debts &loans and

advances

including ColdLoan Receivables

32

( rrrrent Assets ol

| ,t," co,,ou,,

1.,-""*'.**I ,n. aorr"r,

ad!arces

inc[rding Coldl.oarr Reccivables

)l l1)

Book Dcbts

loans and

inc lud in! (iold

l.oarr ltcreir abLes

l

( ufi.rll ir\\.1{lirtk l)(btr &l,,.rnr 1,,,1

' .t(l\.,n!!\ir c lL LrJ irr g (iollllL)nl I{(:cci\ rblcs

t LIr(rr ir-\(l ).

Il,r,l l)(hr\ &

- l,,rrrr..rrrJ

irclud ir!. (;okl

I orn Rrc.i\ rhle\

Curr(nt irs\(ls.

ln^,I l)uhr' &loa,r. a,rd

U, rlll(l\ ilnr;.\L!l,rdLrrr (,nllI-oar ltcccir rtblc'

( rrtr fr ,\sd\llooL l)ebr. d.

loa,r\ rndItLrr.l l

.rd\ Jnrr \includ in q (iold

I t)ir r ll..rl\ rhir'

( rrrrrnl il\\cls.llook l).bts &lo.f' x f,l

sto ll' xd\ xnc.,including (iold

Lorri l{.!cr\ ab e:

( r r.r1 ir\\rl\l](n)k I)cbr\ &l{)r,r. :nrd

I)cc ll.Ll\ it].(\irrlL J irrg { i,,1,1

I ouf lire!i\ lhLr'

t0

t2.50

n50

[50

I

12 i0( )B(

l2.l

t2

5

l0-Sep-t9

.TEItN{

I OAN

.tERM

l.oAN

ll:liNlI,OAN

l0-Sep-

19

t-- 30-Sep'

t9oll('

t2.l

30-Sep-

t9OB(

[.-i0

[. i0

Di0

[.50

l].50

l:50

+

[50

l

33

l28

30'Sep-

t9otlc

llI

J0-Sep-

l9otlc

l3

0

l0-Sep-l9

IIiRN'l

LOAN

IERMI-OAN

II:liN4t.o\N

II:RN'I

t.oAN

oln

oB(

@\

I

l0-Sep-l9

l0-Sep-

l9

l0-Sep-l9

til

Jto-s"p.l9

i05 Ocl 19

], '

'r'r 'r" I q

0:l-Oct I9

1.1-Ocl l9

ti28 Osl'19

( )ll(

iJ

()ll(

tI)I-B

:lt N.l

lo,\N

t.o,\\

l].50

D.50

It0.00

2i0.00

.l I-Mar 2.1

0l-Apr l0

: l-Apr l0

21'Apr-:0

Crrrrenl assets.

Book Debts &loans and

incIrdirrg Cold

t: i0

Book Dcbts &loans and

including ColdLr)lllr Rc(ei\ ahlc\

currert assels. I

8-Sep-20

llook Debts &

inclrrding ColdI oan llccci\ablcs

Enlire currcnlassels irclLrding

rnrr],r rr,rx r'

+'.

s t t",w<'Dt.

S Lr-rw,cuL

srl,wct) |I

s I t./wct)I,

sr Llwi'oI-

incl Cold Loan

Ilecei\ablcs

Curr;nt,\ss!,r\incl Cold Loan

Reccivables

lt 00

i0 00

11(r ()0['

t1

ts

orrcl

J

t"l*

C(N

S\BI

,tl( )lt,\ IIo

including Coldl-oan Rcceivables

Current asscls.

Ilook Debts &loans and

Cold Loan

Ilcceivables & allolhcr Currenl

Compan)

On rcccivables ofCompany\K :50.00

r(x) (xl

l L

l].50 l(l.lun:.1

02-Apr-2{)

lr -,1

)IL,\ I I,

34

200.00

I 1.R\1

IOAN

li0

l,,l

0l0 Oct 19

sYNDlC,^t u

ll{\K

s I I./\\ Cl)L

:oo.oo loo ('o I

:6-

(,ol.l 1,,.r r

Rccci\ ahles Ipr-:0 othcr ( c t

Asscls ol lhe

all

l.lI

0l-Nov-t9

,\X IS BANKS-I'L/WCI)

Li i.00

75 00 lit ,Pr l0OD enlirc Cor

Conrpanl

rl

1.1

)04'Nov-I9

S IA II] BANKoI: I\t)IA

S1'L/WCD

L

t00.00100.(x) 0t- 4a)-20

Cold Loan

Rcccir ablcs

inc lud i ! cIr i

t1 07 Nor-t9

SIAII:F]i\NKOF INDIA

S'II-/WCI)L

r50.00t50.0(l 0l 'Lr) l0

Gold l.oan

Itce!iurhLc\including cnti

1.1

l07-No\

l9wooRt 8,\NXTIJRNI I,OAN

.IIRM

t()AN.l L.-

1.tl 07- 1a\ ll)(bl(l I oan &Oth,-r Curren

Rceci\ xl)lcI

I

I

l45

07-Nov-l9

\I]OOR1 BANKtI::ItM I-OAN

ll,ltMI-OAN

l.ll l.l 7 07 \ug 10

Cold l-oan &Other ('Lrlrcn

Recei!ablc

l46

07-Nor-l9

wooRl llANt(.]{M t.OAN

.tE,I{M

LOAN.1.t7

ltl '(]\'0Cold t,oan &Olhcr ('nrren

Ilccci\ al)lc

l41

07-No\ -

lgWOoRI I]ANITIITNl I,OAN

.ILRM

LOAN

l.ll.t.11 0l cb-l I

(iol(l l.orn &Olhljr Cuncn

Recei!able

l48

07-No\-l9

wooRl IIANt<-TLRM

LOAN

IIiRMLOAN

4.11.t.t7 07 Jr) ll

(;old l.()rI LOther ( urrcn

Rcoci\ lhlc

t4

9

07-Nov-

t9

wooRt llANl-TERM I-OAN

ltiltNlI-OAN

l.ll 1.t7 06 \ug II(;old l.our &Other Curren

llcccr\ n hlc

l50

07-Nov-

t9

\\ ( )olI BA\ I.

ll:lt\1 I OA\

'TERM

L,OAN.1. 1 7

.t.t7 05 \o\ llCold I oan &Olhcr r: untjnReccirablc

l5I

07-No\ -

t9

wooll BA\t'lL,liNl l.OA)'l

TL.,RM

I,OAN

lt7 Ll,- 0l- ;cb-ll(iold 1..,u) I

Ilcccr\ rh l._

l5 'Q,'

07-No!-l9

07-Nov-

07-Nov-t9

Il IIANK

wo Rl Ui\NKI t:t{

06-Ma\ -22

09-Nlar -10

(iold t-oan &Other Currenl

Rcceivable

(;old I-oan

Rcccirablcs

incIding entire

Cuffont Assets

II R\Ilo,\N

II]RN,'1

LOAN

s ll./\\ ( l)I

s n_/wct)I

s I L,/\\ (',1)

l.

s I t_/wcl)L

s I t.'\\1 t)L

sLi\\'ct)

1'

s I 1./W( t)t.

I t:u \1

I-OAN

:tt I,OAN ltl

l{1 ll,\\KTI,

I-O.\ N

LO/\\

II' I}ANKt) t;\

tl t|/\NKt)t \

l-i0.00

t50 00

100.00It]ANK

II]ANK

It, lli\NKI)I \

1.1i.00

I}ANK

RAI

K

70.00

05-ALrg 22

(iold Loan &Other CulTent

Reccirablc

07-Nov-22Cold Loan &Olher Current

licccivable

I5 \o\

l5 l6-NovlJ t9

l

llft(tu I

l8-Ma)' 20

(nrk] I.oan

R(::ccirablcs

inclLrding cntireCurrent Asscts

l9-\1r\ -:0

2l-Mar'10

Currcnt assets.

tlook Dcbls &Iiccci!ablesincluding ColdI-oan Reccivables

Grld l.oan

Receirablcs

including cntireCunent Assels

li \1ty-10

Current asscts.

Book Debts &Recei\,ables

including Cold[-oan Receir,ablcs

0.lJuD-10On entire Crrrrent

C0mpany

l.l l)cc,

I l-Dec-l9

l8-.lLrn':0On enlire Crrrrcnt

Assels oflheConrpan\

ll I)ec'10

08-.lun-:0

Cold Loan

Receivables

including orher

Crrrrenl Assets

(lold Loans and

assels

IJANK

I}A\ K

I ll

l51

411.lt-

ti :0-lo

J'

7 l)c(

[5 00

b

)

s- .i\\rct)

l6 24-Dcc-o lrn Kotak

s I L/WCI)L

ruo rxr li)o oo lo J

I Current Asse

10 | includrng Co

I Loan Receivr

l65

26'Dec-

l9Kotak NIahindril

STL/WCDL

i00.00t{)0 t)0 :t-.1 rn-10

('urrcnl Asscl

irt c lr rl irr g (iol

l.oan Rcecira

t6

6

lli-l)ccl9

sou IIlI\DIANI]ANK

sl t./wct)L

50 00-i0.00 l)-.1 ir-l(l

L-oan Recciva

Ilook Dchls &

Other Currcnt

t61

2l-Dec-I9

BA.IA.I

FINANCIJ I- fD

.tERM

l.oAN6.25

6.l i t0-J n-10incl Ilecci\'ab

l68

23-Dec-

t9I}AJA.'FINA\CL 1- IL)

II]RNII oA\

6.15

6.25

6.25

6.25

l0- ep-20

rec-20

incl Ilccci\ ab

ric l{c.e \ rl)l69

ll-Dcc-l9

BAJAJ

T INANCE I-TD

lhRlvlLOAN ll,

l70

ll'Dcc-l9

BA.IAJ

FINANCE LTD

ILRI\'II,OAN

6.1-i(r l: lt 1lll-lI

incl Rccci\ab

l1I

23-Dcc

l9I]AJAJFINANCE L-fD

: ttN4

LOAN6.1:

6.15 l0-J rrt llincl Receivab

l7 ll-Dcc-l9

BAJAJ

I:INANC]E L-tD

.II]I{NI

I OAN6l-i 6.: i t0- P-l I

Currcnt

irel ll.teeir ab

t7 23'De.^-

t9

BAJAJ

FINANCE I-TT

TERMt.oAN

6.t)6.r: lt )cc ll

inci Rcccir,ab

t1

4

2l-Dec-t9

I]AJAJ

Fl\ANCt, r..Irl

fF- RM

t.oAN6t5 6. t5 0l pr-ll

ir)cl lt.!el\ flb

11

5

2l-Dec-t9

BA,]A.I

lrlN,\N(l,LlL

'TERM

I')AN6.t i 6 t5 .t0 ll

irrcl llccci\ ab

t7

6

2l-Dec-t9

BAJAII]INANCt] LTT

II]RMt.oAN

6.156.l i i0- ep-ll

Currcnt Assct

incl Rcccivab

1"1

'7

2l-Dec-l9

BAJAJ

I:lNANCl, l. l t

ILITMI-OAN

6ll 6.25 l )ec-12Currcnt Asse

irrcl lteecir al

3/ ffi

lc'

t1

8

l; l)ee

l()INtI]A

l

AN

K

s I t.r\\'( t)I

l:.005.00 1,1 .lrrn l0

Loan Receivables.

Book Debts &Other Currenl

t19

27-Dec-

19

SY]BA]

I)1( A I rlK

\ 1\\(t)t.

t00 00l 0.00 ll-lrf r(l

(lold Loan

Ilcceivables & allolher Currenl

Company

t8

0

.10-l)cc,

l9sYltlAt

l)lCA ll,K

s I I./W( l)l.

t50 00l 0 01) l6..lr r-10

Cold Loan

Receirables & allolhcr (lurrent

Cornpan\

t8

I

.10-Dec-

l9UN oN llr\\K

s I t_lwct)l.

r00 00l 0.00 l7-.lun-20

Current Assets

inclCold Loan

Recci!ables

iti2

.l I l)ee-t9

llt) ( l],\\KSll.,\\(l)I, 100 100 l7-.lLLn 20

Lntire

Receivables/Curre

t8l

I l-Dec-l9

\xll,l

S I]ANK\4 I-OAN

ll,lt\1t.oAN

50 -\0 i l-Dec-10

I;rrlire Currenl

Assets includinq

Cold Loan

recei!ablcs

l8I

3l-Dec-I9

AXTl:I

s l]AN k\t L() \\

.lt N1

I,OA\50 i0 i0-Mar-21

Entire CrrrenlAssets includingGold Loarrcceivables

t8 I l-Dec-lg

AXlt,t.

S BANKN{ I,OA\

I IlRMt-oAN

50 rl) l0-Jun'l I

Lrrtire CuaettAssets includingCold 1.oan

rcceivablcs

t8

6ii-.Irr:0 )B ll,\\ K

s I t.i \\ ct)t. t00 t(x) l7-Apr-:0

Cold I-oans and

l87

l:-Jan-20 )tl B,\NIS TI,/WCD

L, 100 100 2l+\pr 20

Ciold 1,oans and

assets

t8

8

l7-Fcb-

20

Q^NAtlA

AR

lL)NAt.K

s I l_/wcl)t.

:i ll Ma)-:0EDtire

llccei!ables/Curre

t8 19 Feb-

:(.)llt) ( I]{\(

STI-/WCDL t,-: t75 26-Aug 20

Enlire

Reccivables/CLrrre

l90

l()-Var-20

t)t t].\ \ (s /wct)t_ li l,_-i l5-Sep-10

Entire

Receivablctcurre

l8 ra-(

I\

)-

tql

l7-Mar SYN

l0 IIAN

t9

l?0-Mar16 UNlt

t9 l0-N.la,' Kolak

:l-*" lxil

2l-Mar vlJA

)n BAN." ROB

26-Mar' lNDl./20 BANI

I

I

26-MaF I FEDI20 IBANI

t94

l9j

l96

I91

lg8 ,n IIAN-"

I O \

AI \l{lMar-

BNNt0 loA

l(l-Mrr-BAN

20LOA

l99

20

0

STI,i WCD1,

N I]ANK

Nlahindra

t)lCATIlK

tIRAKSII-

K - No\\,

K

:RA t.

K WCI)L

IIABAI)K ll,RMN

IIAAADK I'ERMN

IIAI]ADK TERMN

s .\\(r)

II, RM

LOAN

II:IiN,ltoAN

fI;RM

I

\\( t)

i(l

STI

L

I

r)0 100

5050

ll ruf -:0

16, pl0

pl0

Lrn-20

ul],l0

:6 ar- I I

't0

ltccol\ ilblcs & rl

(lonrl)ilI\

incl (io Loan

Ilcccir lh cs

Cold Loan

.olnprn\

100

[0

l0(l

(rt)

l]0

150

t5

ti

includ ing Gol[Loan Receiva]bles

Cold I.,,,1:rn,i

olhcr l(,rn

the undcrl-"-inf

1

150

Flntire ( ,,rrcnl

Asscts inclrrdln.r

Gold lrr.,nreceivablcs

Current Asseds .)1'

thc C.rrliin\inclrrilrng

ReceiYable

Col(l l-olnRecei\ ahlcs

inclLrd rn.r olher

Standard l.oap

Reccirrhle a4d

cntire olher

sraldrrll Lonn

Rccci\able and

l

50

ti

t5

t5LOAN

l9

:i

@! Lrf ! lL ri\Cl

s I Li \\, Ct)L

SIli\[(I)I

s]l./wct)I

l0 tiLr)--

ll Dcc :

l0 Mar

:0

AIB,\l.O

1 IFRM

IIABAI) I OAN

K lLl{i\lN

li ti I l-\laF::

Standard Loan

Receivable and

20 l0-Mar-::0

ALBAL()

ltAit,\t)K TEII,]\,I

\:5 :5 l0 Jun l:

Slandnrd l-oan

Receivable and

entirc other

:0 .l0 \4ar

I:0

I

l0 l(l- N4ar-

lt0

AI,1i \i-o

IlABA I)K I Iill lt1

N

l1:ltN1

l.oAN

la 0r)).00 30-Sep-22

Receivable and

cnlirc olhcr

current assct

AI,I},\I.o

IIABAI)K I'ERN{N

1I]I{N1

I,OAN

li (x)t.00 rl I)c. :l

Standard l.oan

Receirablc and

cntire olher

:0 l0-Mar-l0

20 I I l-Mar-6 l20

t],\l_( )

COtNB

i rLRMIIABAI) i I,NAN

K TEITM iNlI

I

PORA r rO I

rNK

\1t.\\(t)t.

l).00 .00 3l'\4ar-13

Slandard l,oan

I{cccivable and

eDtire other

150.00l.0t) 27-Sep-10

On receivables ofConrpan)

l0 .] I Marl0

L.rNl

I]A}

STI./WCD

lrD l-

K 50.001.00 27-Sep-20

Standard cunent

assels includinggold loan

20 -l l-Mar-8l0

t0 r l-Mrrg)0

CI,I]At,o

allI}AI,O

ll,ltN.ll.oA\l

I l{Al_

K l'EItMN

'I ttAl.

ll:ltN1IO,\N

K IIJIIM\

20.81

l0 lt.l

).lil

1.u.1

l0.lrLn-10

Ilook Ilcbts.

l,oans advances

and recci!ablesincluding gold

loan receivablc

30'Sep-10

Crrrrenl assets.

tlook Debts.

and recei\rables

including gold

loan receivable

40

trqh

Il:l{Nj

}0

2t

I

ll

2l

II Mar20

CtiNI'RAI-IJANK II.RMI OAN

I l-Mar20

I l-Mar-20

I I'Mar-20

CE]N I RAL-

BNNK']'t]RMI,OAN

c l,N llt,\1.I}A\K 1 I]RMI,OAN

CLN I'RAI-I]ANK I'L]RMLOAN

tl.l

31-Marl0

C ENI'RA I-

BANK I'tlRNII OAN

2l6

ll-Mar-20

ll-Mar-l0

CIJN IRAI-I]ANK I I]RMI-OAN

CEN IRALBANK TERMI,OAN

AX IS I]AN K

41

16 96

lttMI.O,\N

r0.81

ll,ltNlI OA\

l0 it j

II:I{N'I

IO.\\

l0 8l

1l:t{Nl

I-OAN

t0 8.1

'TERML,ON N

10.81

TE,RM

t.oAN

20.81

II:I{\1to\\

t0. ti6

( \SII( t<l I)t I

50 00

l0.li l

t0 8l

lo.lJl

20.lil

t0 3r

:0 llr

20.86

]

j l-ller l(l

I I \lrr ll

jU J[rn-: I

lu 'ier-l I

I I lDuc-l I

.r l-$lrr'-l:

i0-l ul-21

llook I)cbts.

xnd roccl\ ablcs

rnc Lrdi|q qo i

llLx)k I)chl\.

includ ing gold

1,,,r r r.. \ lhl(

lJr\rl l)el)r\.

irtc Lrdirg goLd

loan rcici\ ab c

l](x,k I)ebts.

ir)d r.!ri\ ablt.inelrrtl rtg goltl

loarr rccci r ah ll:

Cuncrrl ir5scl+

Bo{,1 D,ihr5.

I,'r',\,,.i\n(j,''and r(!ui\ ablLl.

inclLrding solcl

Bouk Dchts.

rnd rr'cerrahl{.includir)r gold

loan rcceivahL

In\,I l).h1'

irclrLdrng gold

On crll rc ( un'ort

( \s( l{l:l)l I

( ltl:l)ll

( r\st I

( l(lrt)ll

( \\ll( lll,t)l l/ ll(l

-tcAsil( Rt t)l I

(.ASII

Cltl,Dll

Crrrrcnl assets.

llook Deb1s &Ilcceivablesincluding ColdLoan Receivables

Curent Assets

inclCold l-oan

Rcceivables

(ASlt

,, ,,1, ,,nn"

l

rrl.,N r:,rN r

I

o*1,',*ou^ilK

onlr.rr orn.a*x otcoirMrRC r

-+B^il K ort)A ()DA r

vuIYA,r^t*,

roJr enrr.

-+]5(){ I

rNrilANrIcnLono,]^1K

II

:

(l

ti0 {)(l

Cold loan and

recei!ables and

lhe undcrlying

compan)

i9.61lr0.0L)

llook Debts &Receivables

includiDg (;old

Loan Receivables

27.99

l](x)k Debts &

includins (;old

Loan Recei!ables

-s0.00

80 00

50.00

100 00

l t70.02

IcliiiCR F-DIT/B(;

a^-su( l{l,l)ll

[]nlire CurrcnlAssets inclLrding

Cold Loan

receivablcs

Cold Loans and

other current

asscts

[-oan Reccivables.

tlook Debts &Olher Currenl

Entire CurrcnlAssets inclUding

l:

5

tfCASII( l{Ll)t l

.90L,,

ffi:)

I

PIJ

NA,14 B

loNA1.

42

500

21.10

t.71

tltl

116

::I

CASII( lUit)

(lolLl l,,arrIicrr \ irhle\lrtc Lrdirru other

l,ltt)1tRAtI]AN K

SIAILBANKOF INDIA

T -

t)t Il

t.ri

( ltl,l)t I

Current Assel$

Ilool, l)chls &Rccclr ublcs

i.00

475.00-t,rt,a

I]-+t-

( \sll

luss._t' inu luLlrrrr

I l.*;;*,,,1| ,',,"rr,'rtr,raiflI r.ceirabl.srlI C,,rrc,rr t"crl.

1.00

Date

YliS llAl\lK

( ASIICI{l:l)ll

30 0t)

( ii) D tih t4 L t\ltutal l.nu l'tlilitit\:

ledqer i

code I Amourr,()!srandin!llpe Of

fe!28Jur- IBM lndi. Pvl l-Apr- I L l.oan

I l- \pr- l.nin.]I1,"I_c,

IBM India Pvt

l-td. .r0o0l

q.Dc(.lo lrJ .1000: I \ l\ li' . ,,u.o: :0 I R.t,r.'r.rn!

m -Tlr',"*r.dI ltlM Inoia l,u I r , Loa

o.D(..rs lr.r.r 10601 l(s J r..s:,.,rr.:o l--."" rrur .{ n.nn,,'ringl;;;;arl ' lI.,"q.o"".rs i,d'

""'"' rx,r,r t \ r , ., .:8 tl r' (,J. 'i'l l

' ' k''l"r''l r':\., ,.i I t,.x h.,

9'Dec-19 Ltd.

I)F IAII S OI; COMMT]RCIAI, PAPI]R

.13

:l

2:8

22q

2i0

2-Scp

dla l'

i1!!

l)ilc ol \lrlLr ritl Maturitv Amounl (Rs in:r)

-\( Dx - liltctl) - (ht\t ltuuk r a lcl )

:9-Sep-10 25.00

l0-No!-:0 100 00

l8'vla1'20 150.00

l0-Ma] -10 :00.00

20-Mav-20 50.00

28'14a)-10 l-i0 00

0lJun-:0 100 ()0

0l .lr1n'10 50.00

l2-.lLrn-20 200.00

l0-.lun-10 t0{)00

l(l.1uf-10 100 00

l9 \4a\ '10 150.00

l5 .lun-20 t50.00

l5-.lun-10 50.00

t.9?s.00

o -Ln v ihtullhutntt't\("\(t)\") ( It,\titution

Scri(s/lSll\ iVIa tu rit]Coupo'r Date of

on DrSchrd

)ti

le

C ftdi(Italing (rr

)

Secrrily

l_5::D07,\D0 8.8090 100

t99.50

Cr

10. r0.:0r7 i0.t0.l( t0CRISIL

firsl ranking

charge b]- way

of

gold loan

the Compan)t. :year

and l II)fCBank 3

MCt-Rplus

darca.50%

(xlRR)

19 06 t0l8

z

29.06.2t

:9.06.1t

.19 06l

ffi.

t9.t0)tl

CRISIL first rankingpari passo

charge bj wa)

gold loan

the Compan)

r\gd44

DebrnturrSeri€s/lSlN

INES]]Dt)7I]I]]

Period ofMuturit\

Coupon Date ol Rcdcmpti

Schcdule

07.1019

t)l ]l)1007 t0t I

('ll1lti

it(at

tinr,ll

to approx..

e.lrq; on

rnJnthtr

t. l

(xrRR)\ hich

rftnslarcs

lo appio\9 t lon on

nrL 'frh )

Irc'er brsisi r.:r. I U. \l)u u

r l'(r:0

21r,

20 t.)

!'i,,, R. ti ) 1)_

( llllL)

llrsr mhkins

N' f'.'""

.r-ll1

t1

.R r<Tr T

nn. | |

gold

rtrc co'nil!n)

RslaCr.

Sep 17" S"pt0tl

cCisT S".*cd rarkins pnri

( o rrt)$r\

( o npan\

(.frtrn\rarkirg j)rui

No\ Torrl0t2

:; u,r.hfl0l1

( R l\l

l\t 5t])07llt)s lr-, I ') ri ,L -L rr ll( \rr.\.rlrtr)

No! l82l 2

( t \l\\5t\llLl

Tn'.^.,r Ti:a rsireerslaut

.*''H

iil) : - I).r( ror.s ll)l() t0l

l)cc

i \.rr' 9li', 200 ,7, M"'c[2020

tN t.5tll)0lBt

I: i21)0i

S.rurill

slDlr

1\)

lre prrbl issrc !,i( Ds are 5ccurcd b) rrN(gage over immovablc propeft) ol-thc Co paD,'

n rclo!anl DebentLrrc'lnrsl Deed. Therrent irs\cls. hook dcbl'. rc.ci\xhlcs as dcscrihcd

relllil ar( iL.u,(d h' Ilr( (,, l.l l-,'rr '(.<i\.rhl(.(.1 1 Conpan) as detailed in thc rcler'ant

debenllr lru\l

l0 ll!ht tlt! Iltll!^ (n\ or .l l ' tltrr(h :t)2t))

AA IIII8O9A

NYLIDA/CIIDFC(l Ii,\ I l: l)1;li l-

ltY IlYllt{ll)

t.rDt:N ltAt_t. t) AI)\"\N t,\(it:

t00.l8ll

ll .u \ sL \ L :l:

EF] PRIVA II]l) r\,'( ,\l)ll\"\sLtN Llt t. t.

t.INI I I

I] ( API IA I,F, CO I,I I).A,/C

lNt)1.\ sllorr.l:rs0000000 /\ATIt0090B

Itl,t.lA

tslll\\kAADCI652]Qr.tMA,^\ I K.1.1751rSAVIN(IS I-I]Nt)

N S l:\Nl.l:\ ASL\PORI.)t'll.\ tJ (t. \ I l\ \\( l.

AAB( t]5769N.I

,\ \( ( (;59:9ltPIIAI. I:IN \N('I]

(!) lh( ri

I)crnil\

xot of cortoraic grlrartlce i\\urd hr thc l\sucr a $ ilh n n'r ol' lhe couolcrpnnr (lik(

'r\. (1c) on hehrll ol Nlx)m it hrs been

Commcrcial llapers:'The roral hcc value ofCo

the subsidiar), joint rcnlure cDtit\, group com

rl

I rfd ls hr..rkrf in li)lkr\ irir lrhlcr

(! )

46

ial Papers Outslanding as on the latest

:l I I ^o*oHtxr TtI rs rrr

NaDr 'rOT AMl BOPAN

:75

t

6:

(vii) Derails of rest ofoprionall) conven

I)tltc ofIhtu rir\ \lrluril,

(lis ir

29-Scp-

:0 l) 00

l0-No\-l0 100.00

l8-Mu)-20 150.00

20-Ma_v--

20 100.00

l0-N4a)

l0 50.00

250.00

:8-[1a!:0

0t

:0-.lun

t00 0t)

)0 00

0lt0

.lu n

llJun-20 t00.0(l

l0Jun:0 r00.00

l0-JLrn-

20 t00.00

15 0.00

29-Ma)-20

l5Jun20 t50.00

l5Jun20 50.00

1.97t.00

of th4 borrowing ( il an] including hlhrid debt likc lbrci

enibl+ debentures,prcltrence shares ) Nil

@4l

currcncv convcdible tlonds.

Parlr l

Facil

lnstrrll)/

Type ofIfacilitt / Date/

chedule

CreditRating

Secured

NIL.

\ll)

r\)

l).ln \

l)(trils

l)rlails

j

f all dcfaull/s and/r)r delr\ in

uriiie! and olher l-inancial\. in thr pr\I 5 rcars, Nil

p2l mcnls ot intcrcnindcbtcdness includ

)f anr_ otltsla ditrg borro$ings taken/ debt securation olher lhan cash! $hetler in *holc or parr,ce ol an oplion. - l hc ( {)nrpan) has nor lsslcd an) dcl

s rrrd lh)rrrol.r ( irt'r ]r oT l rc ( o n|nr) .s on atcst qr

and principal of ant kind of ierm bans.ng corporxtt gurrantcc issucd by lht

lics issued t!herc talten / issred (i) forii) nt a premiu'n or discount, or (iii) iD

enlure! lbr consider lion l,rher than cash.

Sr.

No. Sharchof,lder

TotnlNo.eqrit!

Sharchokl

SCRR.

./,, ol(A+Br C2)

UDderlring

OulrlandiIg

(in cluding

Shareh(

dilutcdcapi

Sharcs Plcdg.d Numberof cquit\

held in

alizcd

xo. (a)

held

(b)I NANDA I \l tnl6lltT

I

a-o- iora

18.817

l.or r

0

0

18 u,17 65000i)0 t.668 24367217

I

l SUSI IAINANDA

lvo rL tt

t_rM

5.68 r 0 0 .18001078

0 5:8 0

ffi0 518 i) '1,161t65

48 [Q,

t.

,t.

K,

1..

Sr.No. Sharcholder

Tota

sha

No.

t) ing'r;

SCRI',

,,/,, of(A rB. C:)

t nd erl\ in

sOursiindi

trg

( incaud ing

Sharcholding.

arrulring luu

t;tpitnl)

:\UI

sht

hel

alilb

b€ruity

in

rteri

ed

I SUHAS

NAN DAN[05 0.00: 0 0.002

0

0

0 l]0

0

l6i

sUMt I A

]AYASANKAR

0 0

0

0

l

0(l SOORAJ

NAN DANi674 0

1 SIIELL,Y

I]KA LAV IA N

0 0

['inarcinl Inforfl alionrst lhrcc r_cars nnd au

cd ($h(r(\er r\ rihhltlnn.c ihrcl) nod Au,

:inls,Lredir qualrt) (c.9.

ulling in malrrill liahior lh! in\ r\l('r'\ d((i\i

nge at the tinre ol issue

ccurilics ol lhc lssucr.

I r6rc.nrif I .rl1.J )

h! rddrrss rfJ cLnrlr.r

irilcd)

lilc

lic\.

hich

\ ll

Abridgcd Vcrsio ot Auditeprofil & loss statement! ba

qualil'icnlioDs. ilrn]: AnDr\

Abridsed Ycrsio 0f l.niestSlandalr)re ! innncial lnfor

Qualificattuns, lf ?1n) Anne

Anl mrlorial e\cnl/ delclolnraicrirl r(gulnkrr\ proceed

corporatc reslructuring ct€nir\csr / continue io iI\cst in r

The lssuer hereby declares rl

may atiecl lhe issue or lhe inv

NAME OF DEBENTUR[ T

The Conlpant has appoinred

approled enlir) as rhe agenr a

ol thc Dcbcnturc Truslec arc a

CAI'ALYSI' TRUSTETSIII

Address: CDA House. I'lot N(

Coloni (Righl). Paud Road. P

Consolidatcd (rlherclcr r\ailabl() rtrd SlnodaloD

trcc \hcel and cash flo$ slatc cnr) lor al leasl

rc llD

Atrdired / l.inrir.d lt(\i.$ lhll '\errh ( onn)lidrnation (likc p()lit & kxs st.rlrnrrnt. Nnd bi

,urc ll l:

nerl or chan,lc harinq i plicntiors oI lhe firrgs againsr the issurr/promorrrs. tr\ lilignlions rcrc.) ar rhc linrc ot l\\uc s hi(h nra\ .rff((r rhr i\\r

: there has been no material evenl. developnrenl or ch

stor!s decision to invest conlinuc io iolcst in the debl

IUSTEE

latalyst lrLrsreeshrp L.imited (tbl,lncrLy knorvn as Cl)d trustees tbr and on behalfofthe I)ebenture holders.

' LIMITED (torlrcrl!

85. Bhusari

ne 4 | l0i8

hno$ as CI),\ Trrstceship

lelNo: '91 020-l

la\ No: '91 0:0-l

lh. Ciualtd lnr eeship l-imitcd (lbrnrerl! lno$n ru\ {;l)A lrrL

rc lnrncc kr lhls lsstL.

d.l\ !ra . \ithoLrl rrrt lir her cl or d.crl. lt d

tru5rec\ or an! ol rheir,^gcfrs or aulhoriTcd ou'lcial

ol Dchtntur! lru\ttt

l .nk r ilto , I)thrrrlurc I rurlcc \srctnlrnlrl)atrd ohligalions ol thc C(nnprnt tlnd the'l ruste.t

lce No.83-87.81h floor.

rcsp.lr ol or r.[l nt o lhe 'ccrril\ l() be cr.al.d i(

losure Documcnts. All rights and rcmedies un

e raring agercies have lhe righl lo suspend. with

Miltal l ower. l] WNlurrrbri - 100021

lcflns oI rhis Di

raling should bc

xtrJ ( rr(lrl li:rlrn! | t ll.r .r'l,,lrl(il h1 lirl'nc \crtr(

shall rest in and be crercised by the truslees

cnr nrad. bf thc Corrpan) to the lrustecs on behall

,,,//, r. rh. I).h.nr0re hold.r(\).

( nts . AA Sl lll-l: -lnnrunl.nls \ilh this r.rllng rrc.onsldered k)

ial obllgarions. Such insrrufrent! car) lo$ credit risk.

(lltlSlL has isnr the rati g raiionale .

raiion.rle are encloscd as AnnQ\urc lll olthis Disc

are nol a rcconrnrtnd til)n b hu). sell or hold sec

,rs nla\ bc \ohiccr k) tc!i\ion or $ rlxlttt$al al dn) ri

luated ifdcpcrdeill) ol anr olher raring The raling

l)ctails/(l(,pt otIt An\

x{r{ntc( l,ctttr or l,cllcr ol'( r)rllli,rl or \n\ Oih

ol lrrnN cn!l(\.(l as Annc\orc tY ot lhis l)isct

'Illl_ RI.t(()(;\tst.t) \t(x K t.\( ll,\\(;t,sPtt()PosuD t' liI l.t5l t,l).

50

ltlit.t I t.: Dlat slr( |R11lI]S ,\lI:

has gi!cn ils conscnl lo bc

llrc l ru( Dccd. inler- lia. \pecif\ inq lhtin rctpt(t ol lhc l)rbentrrcs.

lo halc i.revocably gilen lheir consent lo

h do. n er uli.!. all such acls. decds and

securing ihe l)cbcnittres heing ofTered n]

lhe Debenture 'Irusl Deed and,or other

ilhoul having il reierrcd to dre Debenture

the I)cbcrture lloldc(S) shall dischargt

,l.,ree ol saici! re!ardins rinlcl\

r l)ocufir(nl / l.elter Nith Sin'ilar lnt(rrl.

ics and inlcsrors should rake rheir own

e b\ lh. assigning raling a-eencies and erch

obrained arc subjecl lo revision al anr, poinl

the rating at an) tinre o lhe basis ofne\v

()

Y

o.

Ihe l)cbcnlures ar. proposed

Dcsignated Stock Ii\change i

Securities) Regulalions, 2008.

Thc Company shall forlrardAllotmen(s)

R.

ln casc oldela)- in listing ol'niL p.r\ penal inlcrr\r ol I

Decnrcd Dale of Allotnrent rill

OTTIER DE'TA ILS

lssrc/lnstrunr!trr Sprcific

I)cbelrur( licdc.rDri0

Deb.nlr. R.d.|rplio| Il

,\l l ot t\ lott

NBI:Cstlgillercd $ ith Rcs.

lhr ( onrprrr) a so un

Ceniral Covernnrcnt or an! o

shall abide b) such guidelines

(i) ISSUE Dt]'I'AILS

placenrent basis lbrCrores.

(ii)

Ihis pri!arc p

,1500 crores (Four

li irs in lcnns olrhe

shallnor 0\cccd thc \

The Con)pan! can

approvals. and no fir

on ils said aclivilics.

U]'ILIZATION OF

lhe proceeds oilhe

_quid.l i ncs appl icable

No pan ol rhe pruc

lo be lkied on lhc WDM sognrenl of thc BSE Limaccordance with Securili.! lrnd l:\chaISc Ik, rd of I

applicarion to lhc BSE wilhin the l5

debt securities bc\ond 20 da]5 tionr th. I)c!rned llalp.a. ovcr rhc coupo ral. ellecti!e ) icld rillc tionr

lhc date of isrin! ol \rich I)che lurc\ (, th. il]\cnor

is nor rcquLr.d tu b. cr.at.d li)r

llanlt ol lndii

rhnr. rl lher. i\ lr\ riLnh.r g!ifr ifr\ rrc ti)r nuLnlcd

her aurhonl) ir rc\p.cl ol creal or ol l).b.nl!re

r (DrIi)

larions - Rrl(\'llDl Dctaili (Comp.ini.s A . IrBI

issue srzc ol lts li Crore wlth

ol t)cbonl!rc! i\ h.if: nrd. Iur\! llr r. th. r.\olheld on March lt). l0l0 apprc\ed rlrc plac.rrcnr o

d File Hundred Crores) . The p.csent lssuc i

lulion passed on Augusr 17.l0l9 undcr Scction I

irg b) the l)ircclors of the Conrpany lionr tinlc lopan) and its lice rcserles, lhar is lo sa\. rescr!!

thc total anrcurt up ro $hich monies rrra\ be b

of Rs. 2 5.000.00.00.000 (Rupees l$.nt) five

on ils c\isling aclivirics and lulurc acli! lics p

approvals Iionr rn! go!.lnnrenr authoril) are

t ti Pt. \( ti\lr.\ r

I tsstJE PRoct.:ur)s

ssue N ill not be used lor an) sp.ciiic proiecr and

the Issuer including repaynrent of existing debti an

ncss. lh. nrl proc.lds lionr th. lsnr. \hall ror b!lo NIllCs ifcludifg an\ polic) ilppl cab r lo banks on

of the l).b.nrurcs $ouLd br uriliT.d b) lh,i I

lcnalc purpos,rs 1l.nc. lh. \ubsoipt(nr 10 I

as a capilaL rnxrkcl e\posure

51

RSI l.imir.d shall hc rh.(lrsuc rfd I i\rin! o l).hr

lrom rhe Dccrrcd l)

ol Albr ncfr(s).lhe Cor

hc e\pir) of l0 da\s fro

trtcl] placcd dcb.nlure! b)

or nrodilied or rc!iscdl t|) rhrnlptL(nr Reserve the Conlpan)

alcriallzed lo n on

an oprion ol Rs l2

I)e

(ii))di

dir

niliz(

( iiil

(iv )

(v)

lollo$

Applica

lhe er nses ol rhe presefr llsuc would al$ bc nret liom rhc p

. \ oi rh.' t uflrnan\ (rahlL' rr '. , nd ralc rhc acr'

prcscnr issuc and nlso thc acti!ilics. shich lhe C

oT lh ! l\suc uli(r nlc.lrn.s all .\fcr\.s ol lhc lssuc \i

uRus lN DENt.\ IURtAI_tlttD t()Rll

rr Services (lndia) Limited (CI)Sl-) ror i

lhe if has k) nccessaril\ hold the Debeftures in demate

siof5 ol'llre Deposnories Act. the rcsulalions made

l NSI)I. or (l)Sl . a\ lhr ca\e nr.r\ he (as amended

i-or lr.rfsicr ol sccurili!s held in dcrrralerialized lbhc J r cl.a1 ,i,. 'rr, I h .(le-.h.,rld ur!e

P accounl to his depo5itory pafiicipant.

pany has rnade dcpositor"" a argcilents with Nat

rs ro mention lheir l)P s rranrr. I)1, id.nlilicatio,r urn

priale placc in thc.rpplication lbrn

olh.r b.f'jlr1s \ ilh respccr l(' rhe l)eb.ntures !roulof the lisr ol benellcial o*rers given by the

closuk dn(' Ihe lsruer $orll k.ep in rbe\ance t

such ti thal rhc lrcn!ficial or!ner is idcntilied b) rhe

rhc intc

under nnd lhe fules. rcgulari(lx rnd lhe br-elalvslronr li . to linr.) and an) orher afplicable la\s and

nefils !vill bc paid to lhc beneliciaries within a pe

t of r)ulrui,i rt Rl]s

lhe bur s DP accounl lo hls dcposhor! parricipant.

Iis ANt) cO\,UtNt\c l,r\w

cs shall be lranslcrred srbjecr () rnd in accordancc

followed lbr ransier ofsccuriries hcld in dnllrcs h.ld n electron c Jann. l h. srllrr should gi

ol-lhe [)cherlrur.\ k) and tionr NRls OCBS. in c

cligihle do so. $i I bc govcnred b! thc rhcr pr.lailing guiter lbrnulirics arc complcted prn,r lo rhe Record

rcdenrpr of \ ill b,r nrirde lo rhe pcro|. $ho.e narne

claims. il an). by lhe trarrslcrce(s) $ould need to

Thc nlures shall bc construed to bc governed in accordall have iurisdicli(nr in connccrion silh any maner arisi

Over above the atbresaid rcms and condirn)ns. the said Deiliofs spccillcd in thc Debenlurcs k) be issued ro lhe

nsaction l)ocumcnl\olh'rr l-

\ ll()\ l,R( )( Iis\:52

llotrces. rhc I).bcflure liusl I)eed afd lhc

eeds olrhe Iss!c. Ihc nrain oblecr clarr..-

has been ca vin! on lill date Th.I be uled br- the Company tbr meeting issue

Securllies Deposilor) l-imilcd (NSDI-)

oflhe I)ebentures in denraleriali2ed lban.ializcd lbrnr and deal Nlth the sanre ls per

reunder and the nrles re!rlrri.nq aid rhe

lionr tinrc lo tinre). lhe rrormal proccdurcs

shall bc lollo*ed for transter of rhcse

ilcn ifnnrcrions conl.ln n! derails.l lhc

Itici lbl' \hlch rhc lunds irrc beife rirlscd

and beneficiar) accounl numberlclienl id

be paid lo thos. l)ebefture Iloldcrs {hoseDeposltorier to the lssuer as on a rccord

palment ol inlcrcn or other benefits. tillry and inlbrmed to rhc lssuer rlhere upon

iod of30 dals.

$rth the l)epos torres Acl. rhe rcgulalionsNSD[- or CDSL. as lhe case may be (as

les notificd in respecr drereoi The nornral

lzed lbnn slrall b. lbllo$cd tbr rranslir ol'deli!c^ innructro|\ containin! dcla l! ol

the\ seek to hold the Debentures and are

nes ofRBl. lhe lransteree(s) should ensure

. 1n ihc absence ofrhe samc. inrerest willin the records ol thc Depositorr. ln

senled widr the transltror(s) and not $ith

wirh lndian Law. The couns of Murnbaig out oT or ufder thesc frccincl!

tures shall bc lnrther subiect ro rhe terlns

(a)

inclusive) as

alons $ ith

(b) \\ Io ratr np

orl\ cli-{

mar" appl)

eligible to

lh. Coinpa

(c)

ll open on tlrc lssu! Opcrirrts Ddlc and close or1

stated herein below. Polential investors who wishapplication tb. the I)ebenture!, r!irh all rhe

onc\r al an\ rinrc narting liorn lhc issue opening dalc

shalL pa) inrrren on rh. lpplral oI nrc[c\ ,ll lhc

invcslds $ho h . becn rddr.!\cd through.apply. No person \ho has nol reccilcd l] dircct c

I)ate. the cul'oll lirrc lor subrnl irg lh1r anplld the applicarion nrone) is 6:00 pm. llappllcar(nrlbr the Debenlur.! musr be rradc in rhe Applicallonn English bv investors. lhe full amounl oflhc lace

c delivery ofthc lilly cornplercd and c\!culed Appliuments describcd b€kr\

rhr' l.'.re fhe follo$ rnt careiolc, rl in\ e\ro,\for this pri,rate placcnicfr ol_l)ebenlurcs

lrrd

RU

Fundsi

loreign Insrirurionrl ln!.srors ar. Io$!d to

regional banks n Indial

e co panies rc3isrered $irh lnsrmncc Rcgularor)

ncial innirutions. illc udirrg all lndia Iinancirl insliluri

finance conrpanies regisrercd $ilh lhc Natronal

eligiblc invesld! ns per rhe concenred guidelines a

stor authorircd ro inlcsl in rh.sc l)ebcnlures. All I

regrlario,rs eurdclinc\ nppLrc!b c l() lhrrr

! and Re\iduan Nor-l].rlkins alornpirni.\:

subiect to applicablc latr.

rDpl\ iIs il d.nrrr.rixli\(d lnr

rd conrnrcr(irl hrrrl,\ in lrJ ,l

c ol D.bcruurcs i' l..etnnric

applicanl musl have ar least one benetlciar)

L/CDSL prior to nraking the application.

applicanl nrusr f.c!ss.rllv llll if thr dctails rincand DP - ll)) appcarin-g in thc Applicatiol Form

I).rIrlc, irli\.d LL)lnr,'.

5l

under rhe h.adir! .,l)era

lssuc Ciosirrg l)itl. (both

p n\ in-! .lorur)1!rlsup ro rhe issuc ckxing

along \\'irh the accompa

is crcdired lhroulhonn ,nJ nu\r b. !or]rplclue applied lbr has to

ion Fonn rogcthdr \! irh

r r0 b. scl out hur n.

frrr!n crlion dir.ct Iunicarion lionr the ( o

invesling in lhis i

wilh any of rhe D

\ lfSis

paid

pl)

(vii)

(viii)

iccs rcorrespondcnce bl thc Debenlurc tloidc(, ro

Debcnturcs alloitcd lo an applicanl

beneliclar) account(s) !virh thc l)1,.

Iir subscrlbiI]q lo lhe t)cbentures. narnes in

lhosc.rpp..ring irr rh. dljlails in the Deposito

nccessaril\ be in lhe samc sequcnce as rhey

lhc l)P

ll incomplete/incorrect details are gilenI)ebeniures in Elccrronic'Dematerialised F

dcenred lo be an incomplcte application and

rhc \olc discrcri(nr ol thc lssuer.

l'or rllornrenl ol Dcbenlures- the address.

rppli..nr as rcgislcrcd \vth hlsrher DP sh

applicanr. lhe app icanl is rherefore re

dcrl1ogrilph c dctails !i!cn if lhe Applicaticase the information is incorrect or inrufll

lhc rcdcmpllor anro!nr or olher beneUts

$hose nanres ppc.r on th. l sr ol bcncilcialor lh! rccod dale. ln cr\! ol thosc

idcntified in the records ol the Depository{k.en if abclorcc rhc pr\rneni olthc rcdcnl

rhat the benellcial owner is identified bv rhe

$hc.cupon lhe rcdcnption amount and

d.nlitl.d.

cos to ihc Dcbcnrure holde(, rcquired to be gilcnhave bcen given if sent b! rceislcred posl to the

entures. as lhc case nray be. All notices to be git,enpost or b) hand dcl \cl.\ r{) Relrisrran or ro such pe

an\ llonr I rr. rd r m.

Itr rclflted doc!nenls. ra\ c\enrptron ccnil)ebcnture(s). crc.. requcst! tor issuc oi dupticarc

rcgislercd post or b], hafd de|ver! ro rhe Regnray be notificd b), ihe Conrpany tionl lime to iime.

lhc Co

All tra

allotmcnl/Ictund ordcr(s) and intcrcsl in case of

lr. licinr\ ,r.!ouIl oj lhe i !cslor(\) \ith Naltofa sDcposi Ser!lccs r-ld (CDSI_) t)eposirory t,antcipant wi

l)ccmed Datc ofAllotnrenl. Ihe initiat crcdir in the

Ihc Is r turlhcr agrees k) pa\ ifterest as per rhe appticabteletlers/rcfirnd ordcrs have not bccn dispatched to applicants $ithin i0 da)-s lion rhe darc of

crediled to thc applicanl s respectirc

he Application form shoLrld be identical ro

. In casc oljoinr holders. thc nanres should

ar in the accourt drr ils nralntained \!nh

the headins -Details lbr ls{x'of' ir tlre Applicarion litrnr. it $il b.

the sanrc n1a) be held liablc lor reiecrio,r ar

onrination derarls and orher details ol the

I bc used for all corrcsponde ce wirh ihciblc lb. dre correchcss of his hcr

Form vis'a-vis thosc lvirh his/her DP. Ini. lhe lssuer would not be liablc lbr rhe

uld ire paid to rhos. l)cbenturc tloldersners nraintaincd b,,- dre Dcposirory(ies) as

s lbr $h:ch rh€ benellcial o$ner is nor

) lls of ihe rccord dirte. the l\sucr $ou d

on amounl or other benefils- unlil such tinre

D€positot!(ies) and conveved to lhe Issuer.

efits will bc paid to the bcneuciaries. as

by the Company or the Trustees shall bc

by the Debenrure holder(s) shall be sent b),

s .t such nddress as nrat be notillcd b)

s. intimati0n lbr lo,is oI Le(cr ofbenlures. rnlcren \rarrants crc. andror an\

Company t!irh rcgard ro the issue shou dor lo such persons at such persons al such

rst Allollec or sole/firsl registered holder

in disparch

urilies DepositoD Ltd. (NSDL), Ccntralgivcn initial crcdn $iihin t\ro workine dals

will bc akin to the letter ofallotmenl

!Gions oflhe Companies Acr 1956. ifitre

54

(\)

(\)

llight lo ,1cccpt or

'l'he Compan\

grounds. rncluding

rc.rliralion 01'lhe ch

in full. without assi

with rhe refund

nrcrc( on thc lppl

(a) Number ol

(b) Applicationr

(cl

(d)

(e)

ln the event. ilanyI).b.nrurc\ \ ilL h. r.

I,AN/(; lli Nulnbcr

All .pflicrtlrt\ should

lncomc'lax Circle l

rhc lircr olsuch a non

( \l) signniurcs

SiLrnarur.!i rhould bc

alrcsred h\ arraulhorr

2. tssL li t)tjt 1 .\ -

Srn'nrarv ol l crnr of Issu.l

t)tscl,osuR[]s PER-t AIN I

(i)

(ii)

(iii)

(iv)

(v)

(vi)

Nanre of the Bark

The year in which th

Outstanding amounl

Nanre ol rhe cnrlr!

Sreps taken. ifany.

it's full. unqualiUcd and absolute right lo accept or

applied lbr is less than lhc rninilnum appl

inS ant re3son rhereoll lhe applicants \rill bc inrinl. logelher !ridr inlcrcn on applicalion nr{)nev. i

ue(s), denrarrd druli!(sl lill o c da\ prior ro rhc datc oin all rc\pccrs xrc llahlc to br r!.l.clcl a|d ruch rpion nronc!. Apflicarl(nr \ould b. li,rL)Lc lo bc r!i

icaiions unde. power orattorne) by linritcd compan

ing the iss0c siTcr

!e ol l).b.nrLr .\ r . .!lro,r . Jr rr .r r /c(l

(s) apfll.d lin i! are not a lollcd llr llll- thc .\rdcd. rs nr\ b. tu nirrd

med lit by the lssuer in order t{) cnablc inlestors to

ard, Dislricr. 1n case whcre ncllher thc PAN nor the

llotnr.rrr should b! ncnllo|.d i I lhc /\pplic.]l on li)

madc in Unglish or in rn! ol rhlr lfdiln afgu

ntion rheir PAN or lhr (ilR Nufrber alloued undcr

olilcial ol a llafk or b) a Maginrate Nolary Public

c 0t lhc l)cbcrturcs: Anncrurc v

TO Wll.Ft]1. t)[]] Ul_ t

the removal lronr lhr lisl olwilllldc,aultcrs: Nol ap

laring the entilr a! a !villuldefaultef Nol applicable

enrity is declared as a wilfuldelaulter: Nol applicablc

hen the enrirl is declarcd as a \rilful det:rhcr Nor a

as a sillirl dctau 1.r: Not applicrhlc

Olhcr dLrclosurcs. as

55

an) applicalion. ln

d about such r('ieciionapplicablc. Iiom rhe

relind. I he applicationlicanr \vould nol be pai

o ora .r nora lac

lolig

an\

rlcrl

ess application nroncy o

lncome lax A.r l96lIR Number has been allin thc spac. pro\id.d.

It,

(vii) An) oth4r disclosure as specitied br lhe board ofdireclols: No e.

\DDTTTONAL fovEN ^Nr

s / t

lhe lssuer under[kes ttrat:

(i)

(ll)

\t)[R t \Kt\(; t]\ t[ ( ()\1P,\\\

Undenatrns rcsdrlinJ RBI Fr uC ddiulrc^ lisr as per decldralion submited to rhe Conrpan! ttris is ro(,{fi rrr ihauror r ol r. D'L(r.r. Jr( JppeJr .ll u rh( Rnl r ( tC,lcfJ lreF i,r.

rhr\ i\ to uldeflakr rhlt JtuLnlenl\ lur rhe creation ol thr charge. rvhere applicable. inctuding the t rusrl)((rj ${ rd h( L\(r!ru,l $rrhir rh( rrrrc lr. n( trcscril,!d ln the relevaIt rcgulations,acrtrules etc. and thcsanrr ",]ut,l Ue

'rptoaaea on rh( $€h\ rr ot rlre Designared Srobk E\change. where rhe dcbr securities have

b((n inFd. $.th.n i!($o kI j,Ja\,ulereLr.rronorrhc,.rre

lhis is rf undcrlal,r rhJl tennrssiof c^nscnr lr(nn the prior cleditor lbr a second or pari passu charge wibel.rk(nl,on'L\r,r,r.:.-(.rilor.$hcrcipnrrdhl..r td\or.rot rhe lru.r(c.,.tlr(propo.Lot* c

("r)

(iv)

l\)

(\ i)

Securitvl creatron twheres..*it' lo*,"*"r. rr," cinreresi[r at Ico'r :'" n,

I

l)cfaull in l'r\mcnt

applicable): ln casc oldelay in execution oi rhe l)ebenrure Trusr Deed andonrp.n\ \il relirrrdthesubscription!vithagreedrarcofirrerenorwiltpa)penaloler the coupon rate till these condirions are complied wilh al rhe optjon ol thc

1n 1.,,( {t ,1.':,r.lr o .\ r.rr..ir ,.t Lrfl( .r Jru .r nr,n. ipi,t r<Je.4pr on ^r rh( due Jrres. add rionat .nlere.r otrl,(ratoai".p.r.,'\{rhr.uutjurrr.,r({ iorfil36;..6,rnlronrprnl .urrl-ederauhrn.;period.

Dclav id Li(ineI

In (a\e Pl delar .i lFlin! ol the dchr ,((urilie. bclond ln dFl, riom the d(emed date ot a ormenr. rhe

(orpdnfq.ll pa) pena inrerr*ror'.,rlea,rt""pa.urerrhe{ouponra,etrornrhee\p,,!or l0days tro.]rlhe deenled dcre ofdliormenr rrll rhe lisring o,'\u(h debl ,ecurirles ro lhe in\e5ror.

56

C. DE(]I,,\IIATION

It is hereb) declared lhath\change Aoard ol lndia (l

Thc Issucr rlso confinns rhat

nake rhe stalcnrcnls nradc

Disclosure Documert also doe

Sicned b\ Rohn Kulnar. I)e2020 passed b) thc Iinancial

-l'he Issuer accepts no respons

other malerial issucd by or at

intbrnration would be doing so

Fol.lvlrunryp{r prh! iFtil$ilcB,

Rohir KumarDeputy General Manager

Datc: l8'r' June 2020

l). t)ts( l_()\t Rfs \\ t,t:R t:

Pay in Dare: Pay in

Manner ol Bidding:

t.t.

(i)

(i,

( iii) Mode ofAllolnrent l

(i!) Modc ol S.ulefirent: I

(v) And an) otlrer such d

M ANNER oT BII)DI\(;

Since thc lssue sizc is Rs.l5abide b) SEBI EBP Circular a

your read) reltrence:

L

l

I)isclosure Docrrnenl conlains full disclosures in

and ListingolDcl,t SecLrrities) Regularlons 2008as

in li!hr ol thc circLrnrnrnccs urldcr shlchhis Disclosurr l)ocun.|l does nol onr I disclosure o

nol conlain an\ l<rlse or rrrislcadinc srat.menr

biliry ibr rhe sratenlcnl nrade

his o*n risk

Oeneral Ma a-scr pur!uanl k) lh. ruthoril\ grarll.durces and M.tna.s.nicnt Commitlee ol Bo.rrd ol Di

in\rance ol lh. l$!! dnd

othcr\!isc lhan in lhisthar an\ on. pLacing

I Rottc B(x)K i\tt:ctrANrsM

Book or( krse llook Ilidding

llocalion opiionr tlr)it'ornr Yield/Muhiple Pricer Multi

L,EscroN Nlccharrisrn

rorc sith an oplion ol R!.325 cnrcs aggrtgating to

ng with the Opemrional (iuidclines. Set our bckn\ is

$ lrh llSl: llO\l)-l.ll'] l)hllon|.

can be 'l+ l or l-l

ld register themrchcs $ith BSE BOND-FlllP

onr/lssuer Reginraliur.asp\h(ps:,lbond.bscindia.

5l

fornr iiom lhr h.lo$

ce with Securiti

cd lionr lim. to limc

anv nratcrial fact $hichar. tr d( rri\l..rdin

.li0 Crorcr..1h. I

rhc bidding proccss irr

tlrc

Signatory

I

1_

8.

I inrc c lr)r is\ c rclup and bidding sindo$:

Acli!itl

Nilh Il:n!r lh. l) s!los!re I)ocurrrerrr arrd l_crnr Shect

ll IIONI) l,llP l,lartbrrnlwo working dals prior to the start of hsue

Biddinl announcenrent on BSE BOND-EBPalong $ith drrails of trid openirrg and bldding

one working day before initiating the

lircll tnrc lor llidlirrg s rn(1(tr\ b rJ ing $indo$ shall be opcf lor at leasl ore

Uid5 sh:

decimal

for lirrtl

Orllr cl

DebentL

lhe inslr

mukiple

DebcntL

lhe said

Seltlem

Pa\-in t

ll be rnade by wa),- ol cnlerlng bid anrount in Rupees (

cr dclail!. In\rnol\ should r!1.r thc SLIII LAP Circuli

elble Ir!cdor\ as -!i!.n hcr.undcr nd idcntilicd(' h) .uhpl(ri.l! rh( \pplrcallun Ior| rn the prc'crctions contained lherein. Thr nrininrrLm number ofi thereol shall be sei oLrt in lhc Applicalion Form. No-e. Application Forms should be duly complcred in alnranner are liablc to bc rejected The namc ollhe apTUsl be dulf complctcd by the applicani. This is requ

.lhr t,rir'.11,r .1,( rJrLrJ {J,r. r\l n.r(d(mrl.,,n.

rnt:

)lvards the )llotrrlent of allotrnenr ol securiries shall

location is to be nrade Pay in shall tre done rhrough ck

NR) and yield in basis poinls i.e. up to lbur

r and the Operating Ouidelines.

rpfiont b) lhe lssrer may apply ibr the

)ed tbrnrat in block le(ers in English as per

)ebentures that can be applied for and ihcapplicalion can be made lbr a fraction of a

respects and applications not completed ln

)licanl s bank. type of account and account

red Ior the applicant s own safet! and lhese

done tioln the account of the bidder_

ine corporalion ofBSE.

Tirr Artivit] for Cle: ring Corporalion

Il)a\ Uidding Date

l+l Da Successful bidders lo transler funds liom I

to the bank accounr of lCCl- to rhe extenr (

The Dcsigiated Bank Accounl ollCCl- sha

Issuer to inform BSE BOND about the fiallohicntlbrlhe issue by Il:00 hours.

lssuer to give instruction to R IA for credirprovidc corporatc rcrion ljlc along withl2:00 hours

clearrg corporation to iniliale transfer of I

ank accoun(s) rcgisiered t!lrh EStr BONI)I firnds pa1. I 661;gn11un on or bcture t0:i0

I be as shared by BSE to the lnvesrors.

ral decision of the lssuer ro go,ahead wilh

ing securiiies to successful bidders. RTA lorll reqLrisile documenrs to Depositories by

rnds lo the bank accounls desiqnated by the

58 AW

l0

lt.

u.

t.

C.

t).

l'ral,\llocrli()n l)irr res bt lh( Elll)

Upon final al by the lssuer, the Issuer shall disclose the Issue ze. )icld. lSlN. nuDofthe succ$slul biddc(s). crc.. n accordancc the Operalional Cui

Thc Llll' \ha I lplord dah. as pro\id.d b\ rhe ls{[r- on il\ \.hsilc ro il a!ailabl. lo rh. pu lic

losur! l)octrmrnr to Succcslful Bidde^

will be required ro cornplete and submit the

to rhe lssuer ln order lo acccpl lhe olicr ol

Oflar Lerrer alons uith lhc Applicallorr Fornr $l be lssucd ro lhc su \l!l

I and an) Applicarion I'ofln receiled Jlo a p.ll)c

.rll\

succcsslul bidders to om the l,rivate l,lacenrenr Ollcr 1-cner has bccn i by lssuer nray appl)

olhcr lh n rhosc sncci

addrcsscd \! ill bc in!a i,l

Splilling rnd ( r)n$l

Splirting and consoli ion ol lhc l)cbcrlures ! nol applicable in the de mode tbrn since lhc sal

lol ls one I)cbcftLrc.

f ()lt\l \() P,\S .1

t,Rt\ \1 t. t,t.\( h\1t..\t () R ( Ult APPt.t(,\TtoN l.t:t-tIR \(clion ll rn(l ( 0rI(Prospcclu\ an.l,\lbtnr.ol Sec rilics) llrlcs. :01{

c u N E ttA t_l N t'oRl\t ATtoN

\t.\\.\PPt R.\\t \ \\( t Lt\Il ll..t)(limrerl\ 'NlANAllPtlRAM (jENERAI- l'lll\NCI: ANI) l.l,ASlN(i l-lNll l l,l)')

Rcgislrred Olfice: lV .l7tlr\(Old) W 6]8(\.!\ ). -Nlafitppurirnr lloust . vrlapild. ur 6il0 561. Ketula. lrrditi

Icl: ( 9l 187) 105 0000. I.ar' (,91 .187) lle 9lell

Websirrj: \\N rrunapp ram.c

Daic oti l:or'Dornti0n otthc

\stnc. rddrcss. $rhsilc

Incorporared ir thc I hrissur.

Busincss carricd o by lhe

olhcr LonlN(l dtlxil\ ol llc CorrrDrrr\

la. Rcpublic ol lndia on Jul) 15. 1q91.

nrpstr! {nd its subsidirries $ ilh lhr dclails of bra

59

[T*'fAcli\ il\ li)r I)epo!itor e!

A.tl"lty frr Cl.

Depositories on the ilstruclion of lssucr or throu!:h ic RI Aaccounr of lhe lnlesldrs

t_.

((iold t.oans)

business such as k,an agarnn propcn).and r)ronc\ rransltr if selecti!e bra chrs. lhe had 4 subsidiariesr (i) ManappLr.am Homeil ls in rhc business ol horrle linance and h vin! a lid ccnillcare of regisrration lionr Narional

leading listed NIlfcs lendrn! nronct against rhe p

rhc sccolrd lrrllcn Cold l-o f |Io! er i| Indix. We

itories and 27 slarcs of india and we also have

IIB)r (ii) A\ir\r(l \'1icr) flnaIcc l.lrrlr!d \hjchrarcc Brokcr\ I-kl h.!ifg lhe bus|rcss ol insurance

imiled \hich isa lI producr and service companr'.

of household and,or uscd gold jewel|el,ve pan lndia presencc $ith]000+ branches

with the business of micro finance; (iii)ifgi .fd (i!) lvlanappurarn Comptech

oflhc nrr ngcment ol'the (lr) rpan\.

rhc NIrn!ifg l)i

lvlr. \" 1,

V. P, Nan

(lli(ir\( rrnrn Mh\ lo l0tl

ot R ltA\A(;

Itorrd of Dircc

\1t..\ I

The composit of the Boirrd of Direcrorr is governed b)r rhc prov s ol rhc Companies Act1l-ODR) Regu 2015. Ihe Adiclcs ol lhe Conpany provide lhe Compin) shall not have

nrore than liliccn Directo|s. unlcss othcrwise dercmi by a special resolution.

and ('hicl L\ccoli!c Olliccr (Nll)&Cllo)

and the SEB]

Pronrorcr of lhe Manappuranr Croup ota nraster degrec in sc rfce liom CaLicut

super inlendrncc nd guidancc ofrhe Board. thc day day affairs ofthe Company is nanared b!

unlar and assisted by a tearr ol prolessional wirh prolren track record in the irrespective are as ol'ly lhe Board ir conrprised o1 l0 Direclors.

Kty Manasemcnf l,ersornelol rhe Company.

I ol o$ fg rc rh! Ke) Manrg. r(nl l)ersonn.t ot rh. ( ornpan):

. agcd 65 \ears. i! ihc Mnfaging Direcior. chlConrpanics and Fhiel l,\ccurile Olliccr ol our Conpan). Hc hotUniversiry and i! also a Ccniiled Associare of lndian Insritule ot Ban He has in rhe past bccf associatcd

'virhthc banking i in various capacitlcs. llc has been rhe Diredor ot Company since Jul) 15. 1992 lle \l,as re,dcslgnated as thc Managirrg Direcror and Chief Executive Ofl]cer by lh resolution ol the Board dated Maj, 18. 20 t2

Manoj Kunrar v ascd.1.1 \clr\. i\ thc Corrrpu\ Sccrclar\ and Cin commcrcc and a rrastcrs degree in commerce

I 1'(r.'r,. ^t t.( 1li UIJut L

liance Olficcr ol our Compan\ lte holds a

m the Unilersit\ ofCalicnl Ile is a fettow

Accounlants oflrdia. She has over 2l

inrle ol Qnnpar) Sccrctaries ol lndia. tte has 16 )cars olwork e\perience. He has b€en$orking with Conrpany since Januar)- 1.2019.

alndu Al-. agcd years. is rhe ChielFinancialOfiicer ofour She holds a bachelors degree in comnrerce

in Manappuftnr Finance Limited. She has working wirh our Conrpaly since 1998.

I)lN and ocrup.tion! of rhc dircciors:

lhe following le sets fo(h rhe derails regarding rhc board as on lhe of lhis ot'fer documenr.

R

Dtsisnationst trr',".t rAA."rt

60

Drt. of Birth

I Mr.lagdish Capoorl60l Arooke Ville159 Mogul Lane

Mahim

Mumbai.1000l6

Mobile No: 98200199

Email ID:jigd ish.!!pqqr@su ai

I

qslil

Chainnan 000015 t6 \cPCl29.ll_ 0t.07 l9i!

Mr.V P.Nandalunrar

Thrissur- 680567

Mobie No:9187llll[mail ID:chainnan/amanaDDurr

0

Managing

l)irccrol' & CIIO000,1.15 t1 }GPN8(]9:A t8.05.t95{

Mr.B N.Ravcendra Ba

Blanghar House

Kail)amangalanr.Pon

l hrlssur 680681

Mobilc No:9i87llllli ail II): babuLil!!!u

9

pp!r!!!!.!!r1!

00011(,ll }MPR]]7]B t0.01.t95:

.l Mr.P.Manomohanan

7l7lA.'Aswalhy"lligh School Road

Chentrappinn).Posr'Ihrissrr- 680687

Mohilc No: S3lS7l20

EmaiL

lD:pmanonrohanan@{

I

rail.conr

Direclor 000.1t8.16 \LPM9856H 15.06.19,1 I

j Adv.V.R.Ranrachandr

valiparanrbilllousei0'8.10. A) )anlholelhrissur- 680003

Irhone No: 0487 2161.

Mobilc Nor ?5599614

hmail lD:adv.vrr@g[

88

8

!!L!!m

000,r61r.18 }PPR]O8JJ 10.D.t9i:

Mr.Gautan RaviNara1602 Aqua lower 11,

Kcsha!rao KhadliNlahalaxnli.Murnbai-4

Mobile No 99618700

llmail lD:qaulanr.nara

Ma.g)00t I

l8

'an@4!!t !!ul

29716'1,\

o)MPN77I] 1l.lt.l97(

\l\ SurrIrr l n.ri..Sfr nu\ l. lhl \oi0' Ilo.r (ll) A

Director 018.1-1650

@]BPR6OO]B 24 01.t96:

61 3.

t)lN

Ph:91 9

Lnrail ll):

Erch Naigaon Dadar

i. Maharashtra 40001{

8288t

AAIIPS66]61) H.|.t950Mr AbhljA 91. (lHi .

Munrbai.

t,h ()rJ: r

Ernail lD:

Paradl. 57: Dad\sclh

ahamslra 100016

r-1lJhiiit I i.f',i!nrril conl

ickcl Courr. 1i lildcrhcrrll(,1. li(,6.1J

,1 (0) 790j270t98.

AAIIPK I955D 0l. t t.l95l

Shaileh

401 ul_ ir0 Ave. llillslrorough.(co. (-r ltarrir q1010 t S

AI}APMN68]It :1.01. t919

ItlSKS RULA 't o o!R BUst\t:ss

(i)

(ii)

(iii)

(L\ )

(\ )

l\ )

ness is highl] rcgulaled and $r rra) be adversely

I urllhl .,r,,plirr(c $ ilh r,.,,,\ o' rhe resuldlron.

l\ ellccli\.. rnd rrc subi.ct l() ltlll irspection. A

lo malc r.quired ljlings bi rhc Conrpanr- and i

imposirion olpenalties.

lirture leSislati!c or rc!:ulator\

lo our opcralions nra) involve

tlccted b\

icable

I coslsand otheA\isc nra) inrposc rcslrictions on our

is capital nlensi!c and an] disruprlof or rc in.!isin! Ilnancial resorrrces !!orld hx!cI ad!crsc cllrcr on our liquidir\ and tlnanc a conditi

implemcrlei KYC noflns as $cll as nrcasurcs to nrofe) laLrndering $hich nril) nor bc

Our trus

An) l;ri

adlersc actiof b) Itlll could atlecl our

busifcr! |llrd re!ulr! ol opcrai(nr\

Vo ali in the markct price ofgold may adversely affect our

sLrbsidiaD !vith regulatory aulhorities may

nancialcondition. cash flows and resuks ol

n if econornic sro$rh if lndia and other political

62

] ---

and ccononric t-actors nra\ ad!el5ch' all-cct

d.; [j;tc,"lilI

I Ir"*,,

(-.

(vii)

(viii)

(ix)

(riii)

(\\)

Gv)

(xvi)

(xvii)

(rviii)

(xix)

(Ix)

(xxi)

(xrii)

(x\iii)

(xxiv)

(xx,)

(rr!i)

Increase:n conrpctiti

(\i)

(\)

(rii) We nu) nor be able

ll irleresr rate restrict

Dray bc ad!crsel) affe

'lhe Company. it s Meniployccs subiect to

atlecting our busi

abilit! to access capi

increase borrowing c

advere eliecr on our

Our Conrpanr- s audi

wc are sublecr lo thc

Our tinancial pe

MaioriD ol our cust

with respcct ro cc(a

'1here were instances

Wc are also subjecl lo

Our branches are vuln

We hat'c entered inlo,

by declining econom

We are exposed to a

and legalris[.

lr ordcr lo succcssfir

retain ke) enrphlees,

An\ innafccs ol litilrfprolals 1o of.rarc

ns are imposed on lending by NBFCs. our operating

successtuily mana{c and maintain orr lrowrh

is paniculrrl\ vulnerable to iItcren mre rirk.tirurc il could hrve :rn adlcff. cl-l'ect on olr ner

cash Uous a d llnancialcondirio .

i:i11g Illrrck) rxl Ch.l l:\!cu \c Ollic.r. I:\.curriain lcgal proccedin-cs and an), adverse decision i

on our reputlllion- bUsln.ss. llnrn!iill corrdition and

rJi.e id<qu.,r. dJJ rir'., r.,p.'r ir I'ln.r. ,,, r,<also depends on o!r crcdil ralings and an)

arrd conslraln our acccs! to capital and lendingcl inlcren m rgif ind rhe gro$th ofoLr busincss.

adversely all'ect our prolllabilily.

realize the lill valuc ofour pledged gold. which ex

embezzlements havc occurcd.

I tor thc loxrr di\bur!!d

n from our peer group in tlre finance sector

lc lo 1lr.1l

rs ha!e highlighr.d certain nrancrs ol-cnrphasis orma(ers specilled in tlrc Companics (Audilols Repo

iallears 2015 l{)l.l l0ll a d l(r Ll

ol fiaud on lhe Company by enrployees of ihe

the risk oflraud h\ cusronrers

gold b) our tcrso ncl rrra\ adversell alli'cr our busi

risk ol unkno$ingly receiving sro)cn Soods as coll,

and rn) conli U.lo c lcr illo rclltcd piln) tran5act

base conrprises i|di!ld!al hono\crs. $ho !c crallcondilions thar) larger corporare boro$crs

ariety ofrisks. including liqLridily risk. intcren rare

y manage and c\pand our busincss. $c musr be abl

be adequate ro pdccr rs againsr all porential losses I

1o oblain. reneN or nrainiain our statutort and

business. rra) hale a adversc ellicr on our busr

n the rraderrrark lo rhc --N4nnappuranr' k)go

6l

permils and reqNired

It ir reduclion ol our nrark.r

resr marsin lhercb\ ad,,cl\.1\

lail to adequatcl\ manale o r

result! ard Unancial con

ve Di.cctor and ccnaio oi our

such proceedings may hrve a

s ialorabl. () us or al a l. OL|e if our credil rllines would

s. The abov. may have

tial loss.

rln

lhcir

. l00lalilied ,Fp"n

rdlared

and financialconditior

lionr cusronru\ $ hirh nr.

arc rror. likcll k) h. aliiclcd

k. credit risk. opcraliural ri\[

ro xnmcl. lmif. fxni\ilra rfd

$hirh $! nu\ br (ubi.!l

!rularor)

(\rvii)

( \\!iii)

(\\i\)

(\\x)

(\ \\ i)

(\\\i l

(xxxiii)

(x\xiv)

'' I he Conrpan)

sutUcienil! enti

br\irr.\s dri\\ rl

exisling charge

It ir f-urlher Slal

Details oIdefa!D,

(i)

a-11.414

64

infranructura tacililies are limired

on cuslomer-supplicd inforlnation $hen evaluaring

incurredha! incur addillonal cxD0nses

Our ign currenc) e\change busincss nla) be adlersely a

to adherc lo nricl KYC nonns.

lenders \^ho ha!c pari pass! chargc over rhe Securit

Orr nbi

linre in

ilt 1o pa\ irtcrcn rccrucd on lhc I).brnrurcs andtor r

nncclior lherervilh $ould bc {rblecr to !ariorirproilla lit). the gener economic conditions in India and

and securily brcaches in

fany risk exposures.

be subiccl b lndian ta).es arising on rhe sale ofrhe

in Unancial loss. disruprlof ol our bus

I)ebenr

No nlure redcnrplion reserve: No debenturc rcdefiplion re

rc !vill lisl in aombay Stock l]rchange- potenrial i

I).h.nl rcs. Cr.arior i)l dcbenrurc rcdemprion rescrve is

res. As per Conrpanics (Share Capiral and Debcntl).redenrprior rescNc as spccified undcr Seclior 7t

is. subicct to the erlsring cncLrmbrances. as

to lhe more panicularl) dcscribed in the First

r\isling.ncunbr nccs .rs pcr Anrerure Vl

lo ohlaif all thc rcquisitc no objectionnr thr ur. .l lhr l).1).rIrr. IrUn l)r.d dnd ti Irhr I

e exisling charge holdcr,(s): the charge (o rhe extc

that: upon rcceipt ol no obiection ccnificates cediol charge in respecr ot rhe Debenrures willoperate as

ifany. inchrding there in rhe amounr invotved. durat

ldcrs) will opcrale as subscrvienr.

i pcnd n! (asc5 regardins Servicc l-ar shich reres are pendins as on dale..

llre A islanl ComDrissioncr of Stalc la\. Stalc CST Dep0l (thc -l)cmand ) rhroulrh af assessrncnr order

tear:014-15. Conipany filed an appeal betbre

ditfic ltlcs irr rum and senri

cuslonler cr!d r!\onh lcss

ted b) exchange rate lluctuations and is

prlncipal anlounl outstanding lronr lime tointer-alia including our tirancial condirion.

global tlnancial markets and the inrpact on

erve is being crearcd lin rhe prescnt issue of

!. regularort

rs can trade lhe debenturcs in BSE.

rcquired lor lhc proposed issue of lhe

) Rules.2014 NBFCS nced nor cr.are a

l lhc Companies Aci in respccr of privaretj

ned below. seized and

le hereunder wrinen.

ceding pdr^pdssr charge wirhin 1.)0

rcqni!ite no obiccrion ceniljcates are

obicclion cenillcales pending t-ronr

may advcrsel)r atfect ourintervention or danrage to

pdr!2arJ]/ charge fiom all c\isrlng charge

pd.$r/ with existing charge holder.

oldetirull and present \lirtUS. in rcpa\ment

ithdra*n !ndcr rhe Sabka Vi!\as Schcnrr

Thrissur has demanded a sum of2. l0l8 (rhe -Ordcr") tbr rhe

ksioncr (Appeak). Ihrissur

against rhe order on

invesligation by veri

was allo$ed by Depu

nakulam (hc Stnv Pelilion ) and lhc Stfl! Perilioflhc Sla! Ordrr') Ihc IJ.pa nr. r has tl ed

. (10!.nigalon IJrxnch). Sl . (jSt I

mpan) has ljlcd a petirion lor sta) oldemand datcd

ng the auclion registers against the in!oicos olConrIty Dcmand ) through an order dared January I t.

bruary 16. 2018 contestins thal lhe assessing officers of capital goods that were goods not inlended

(ii)

Court ol Kerala. al l-.

dared Augusr 8. 1018

Illgh Cou11 ol Kcra]a.

l'he State Tax Oiu

47.600.288 (lhe 'Penasscssmenr yea. 20 il ll on grounds thal Conrpan) practiced lhc unfair tac

is\ue ol'inrof.cr \.lt hi l\ arrd rror-i\\Unnccappeal bclbrc the De Commissioncr (Appeals). Sralc (jSl I)epanalofg \tith rn appll ion lbr sta\. of d.nrand. lhereafier. Conpant tjtcdCoun of Kemla. at li ulanl (thc Writ Petirion )lbrea \ hcr.n!ol thcWril Petition was al

to allow appeal subj

rhrough otuler darcd Juh la, l0L8lircellngrhero pi\rn(nr J .j,o o rh(,.ur.rdnd J,rJr.l.i ru ('Commissioner (Appcals), Srare GSI_ Deparmenl.

Ju \ l- l0l8 (rlrc Sr Ordea ). subicct to lhe condjlion lhal Conrpar!- sh

derrrand. lhe Depan

Ilmakulanr.

lhc \sin Il ConrrI ssionc. ol Stalc la\. Slar. (iS I l).pan ncnl. I hr ur has dcnrrfdcd I s! r (il{78.5,1.889 (hc ') lhrough an order dared N4arch 5. l0l8 (ihc1009-10. Conrpanr tlon Nlarch 17. 1013 .o

an appeal bofore rhe Depury Commissioner (Atesting drat the Order \!as nol a rpeaking ordcr and is

has also filed a petiri lbr sra) ol dcnand bclorc rhc lligh CoUn of KPctition ) and dre

-Sra) Order') Iherea rir) pan) alhwed the appcaldnorerrard(dbaLlrhlrna crrnrr(c,r*rJ<r.Ir{r t i*u(.JI.r\s icarr, ,lr crrrurr,r,rurIer,r. thch r

( omrni\riorer b) Ord+r darrd Scpr\ nrbcr 20.l0lo ha\ r(du\ (u rh( J(nrdnd of{78.5.1 88q h, R. to. t t.,iut ..

Hoqe\er. Compan) filed an appeal belire rhe Appellare'lribundl. lrnakutdln on Juh .:. t0tq a!Ji ir rt.ordcr dared Seprernber 2n.20 I h

rop,cha.(ursoldliln,,cjNr(l(JJ(dlJ-r.,,rprn\1,-,r,!.'.p.,\,r,u)r,,i }r'"ot rh( Dc,),JnJ an,uJfli,,-rro { i0.80.q80. On repruary ls. l0lq rhc l<lansano value Added lai\ 4ppellare Tnbunal. H}de+baddllo$ed borh Ihe applral' dnd (\1 d{J. rhe horh r\e order. ot rhe 4ppellare AI'honr\ Thc refrrld .,J

r10,80,080 i< rer ro b! recerved.

A'p(rllkAndhraPrafe\hVAl^*(*rr(,rr,,rd(rJJr.d.\,r::.r{ r l. '01 ' lil a-e.nle r \crr..n ti-r'l. rh(VA'l llCclarmedblCompan)sd\reiecredontherround\rharlhe'ellerandpurchdser olthegoldhddlhe dme llN numbei. (ornpJn) l,rd purchi.(d th(.rnrudrcrn(d !old olthe horroqers lhrou!h nr.ht.(rJcrion.. lhr, pur!hale olguld rr,L r.rbltr iuclio . sr,'tr.1J r,, h( ir(lil,bl( ru Lrr n \ \l IIC llnpropo'al ol le!) ol V,f I for rhe undcr decl.rred ourpur r,i\ s.r. corrrlrnred bl rhe ordcr. and Comp,in\ $J,drrccr(d I,, pJ) ,4.481.4.15. lunherb\ urd<r ddr(d Srtlernb :8 lulz Corirpan\ $ds held liJblr ro lfJ\ -pendlr\ ol ll.l:0.j5q rJt rh( rJr( or l:oo on rh( under d(clarrd \Al o+rpur ra\ o, tl.{81..115 ,lnuJr\ccrion Sj(l)riii)ollhFAndhraPrade,l. VA'l Acr. l005r lh. Atnellare Aulhoflr\. b\ order dJted Jdrrru^'. 20ll ha, confirmed rhe order dared ALgust i l. :012 anJ b) order ddred JFnuary 09. 20li conllrmed rhe

p(fJlr) ulder rhe orde[ dared Seprernbcr 28. ]01:. ( on)pdn) pref(rftd an ddpeal dgarn,t borh rhe afor[.didorder,ol rh(App(lla'i 4JIl,o I! hulir. Ilr l(lJrrrIJ\r,J. \u(l(J Ii\ApF(lldrc Iril,,Ir.,l ll\urrdl,J..,,lhe jrourd\ lhal rhe ]AppellJIe Aurhofir) hd. r'arled ro Ior( rhdr (onrpani LonduLr\ rh< aucrron .l'rliupledged onrdrnen', olfhe borro$er. \\ho dcliLlred in rIe rrtJ)m(.nl of lo0+. in Jddiuon ro rl,r, Con.P.r ,\dlsoeff(.r'Ihesaleorpurcha.eoIloldono,rro\vnaccounr.rhcrch)acringlnadualcapa(ir\rn.c.rg.rotthe pledS(d orndrnenti fhcr(r.rc. lhc pJrch,r\I! ol p.eoled ornanrent\ b) fonrpdny rtlell' $uuld arI,,uI,

l'd. li L I r.'Lr. .,ll J..r r .,:.,,, ., . R. r ,ru.l

I iil)

Pclilion $rs allo$cd rhrough an ordcr datcd Apriler M/" orl.r thr.d \.h\ l{. l0l9 llrr pD. latc ,^u

Jer'') lbr the nsscsrncnr \(alls). Ihrissur asainsr the q,d!,iable ro be ser as,de CornPa,,)

rnh. ar Frnalula,n llhe lSr.r\

. 2018 ard Mr) 21. 2018 (rhc

(ir)

65

r) 'llr.,\\

Comnri

r)

b. Corrpan) has nor

17.l0l8 (t

Compar)

R€garding

lhe Ilank(Appealt

a

hrd

ainrcd b) the deposilors.

lvlr. MConr

Val . r nnss!r . Kerata ox(,J6 /Nlobi

Lnrail

,i Kumar.v.R.

THE OFFER

i Firancirl position

r. I,All l lCUt,Alts

66

\ c.r\ I2z\.,.(,/.. r, ,\n')(\u rc

Comnrissioner of Income Ia\. Thrksur has a sum ol14s6,505.700 (the Deman*,]assessmcnt order dared Dccenrber ll. 201? fthe rder") lor rhe assessnrent ycar :015-16.

illed an appcal bclbrc rhc ( oDrnr ssioner ol lncom Iax (Appcals) against the Ordcr on Januar!

in disallo$lng an anrounr ol l:i7.1,10.000 irr

ing a sum ol {77i.900.000 lo$ards inleresl

''Appcal") conlc\lrns lhat lhe assesrl rg olllcrr c cd

debts trrittcn oll during the year afd erred incr. Conipan) has lllcd an applicallo| lbr sray of d throush a lelter datcd February 3. 2018

Application ) afd the Sra) ApplicationOrdrr") ln terms oI the Stay Oder,

491,400.000 and stay ol balance Demand

of Addltio, l groUnd olApperl lllc.loff clainr of Rs.90.l7Cr(88.17Cr f2.20Crdisallo in AY 14,15) CIT Appeals direcred rhe D).

to submit an Rcnrand Repon lbr vcrlilcarion olthis aim. Ihe Remand Repon ls pcnding.

l,lce ol thc Joint (bnr!rissioncr ol lrconre Ta)i (rhe

rhrough an order datcd februarl 19. 2018 (the 'mdd( pdlmenr ^f:00a ol lhe Dcmand snounring

{i65.105.700 has been granrcd unlil rhc Appeal is d

Y '0':-l '. rfcr( sa. J di,.rlloq., trr ur Rs J;

I)cpo\ils and inl.rcsl lhcre of:

b) the Asst Conrmissioner Inconre Iax inI liabililr. paid b! Chcque on due dare. icr.lune 20 11. bul collecrcd onl) on lunc 21. 201 I by

rcceipl issucd accordingl\. This disallowance is

Order darcd l.ebruar), I 2.2020. rhe ret'und is ver to be

deleted b), the Commissioner lncomc Ta\

cial lnsritulions

l)cb.rlrLres tllrl int.re( rhd.,,i

y has nol defauked on lhe repavmeir of principal intcrcsl in respect of debenrures (bond,issued bt it However. thcre are cases ol debenrure which are marrred bLrl not claimed.

) has nor lclirlrlted rhc rcpa!nrcrr ot principai or in rcspecr oldeposils $hich rhe Compar\tld prc\io!r!t\ bllbr. il bceaou an on deposil rakj NBfC. lhere arc crs!! ofdcposits nrarurcd

iii. Loaf tiorn any bank or llnanciat insriturion and

( orrf.n\ hr\ for(lcriru l.Lllh. fn\rncnl ro

!. Narnc. designarion. addrcss . phonc number and il-id ol the compliance olficcr:

99.16I9999

r cosecrclar\ @,,nanappurant-c!!1

llcd in anIual Illings undcr rhc Conrpanies Acl or ru

ol'th( (,)nrp.n\ lar the lnsr

l)nt( ol prs\i g ol boaftl rcv)tution:

The board has passed

2020 and aurhorizcd18.2020. Ihe comm

lnstiruti(,nal lnvestors

iii KiDds

B) means ofrhis oaggrrgatifg ro Its.i50

Datcofpassingof

The Company has

20u

.i

\ i. 'the

By this otter lener

ro Rs.350 Crores

\,P

Wirhin I (r$o) Ilusl

series afd the licqucTa ns o/ t.\srukcc .l

-l_hc dctail\ arc nn)re

bondt ollcrcd b\ nre

Ihe offer letter willis earlier. lhe C

\aldir\ pcriod rrcrl

requirenlcntr of lhe

propcrlics. vchiclc li

reso[rtion for appro!,ing the issue oldebenturesissue securities by rhc Financial Resources and Mhas apprcved rhe issuo ofrhis ollir docunrcnr

lution. authorizing thc ofler olsecuriries

lhe requisilc resolurion ol rhe shareholders inread !vith Rulc l4 ofrlre Companics (Prospeclus and

securilies otlrred (i.c. \!lrcth.r shnrc or dcbcnlure)

lelter th€ Conrplny propose lo issue Rs 15 Crorc

sccuriil h bcing otferedprice Rs l5 Cror! $ith

including thr

Rs 150

\ Ihc(l ,,r Ll \\c.,'l tn.r!,n\ 1,,,\l,u r Ih(:,II,,rLI(LI i.

timc $ilhitr Nhi(h thr alk)tnrcnt rhnll hc com

Days of the Dccmcd Datc of Allotnrenl crcdit ol'

which thc Companv inrends to raise

Company inl.nds Io raise Rs.25 Crore $ilh an opti

rsisingotsccurilics: Durrtion. ilappli(able, ratrpx\ ntenl and rrP \ rcol

lly described in the issLre nructu'e {iven in Annens of lhis olltr lclter \rill carD d)e respecrr!c i

ol intcren pilmcnl $ ill also be as disclosed in the

Non-( t, ^\,1

i hl. Re Jtt nt uhb t)LhLnnrc r"

reserves the righl to cancel the lssue or to close

lime schedule for $hich lhe otter leller is !alid:

valid fron lhe dale ofdre approval tbr its issre or

and objects otlhe offer:

the issue of the bonds net of issue e\penses \!illincluding lhc dcplo),nicnt in ir:, onward

.rnd also lbr gcncral adnrininrali!. pury)se

trrnr\ r)l'i\scls.hxrgcd .s \..uri'). il applir.bl.:\i. Princip

61

its meeting held on

agenrent comnr tfec on

Junc 8. l0l(l

with drc provl5iAllol ent of Securilrcs)

and cln\\ ol sccurii\:

ilS crores rg.qregari

Ilebenrurcs in thc

li(\:

olRs.125 crores

di\ idcnd or rrtc ol

rat.! n.nlioncd againsl

ar oplion ol Rs. 125

osed for lhe working

ins in sold loan. loan

irlr

ll.l

h

lh.

pital

Thc

d. Nol npplicnbl( rr)r

(i)

thc I

DISCI,OSURES WI

benhrrc\ ssled if rrlrns ol rhis otlcr tc,er sha| be sccured b! a ,lrsr ranktng pxri p.ssu in r-a!r)!r_1rre lfustce or all currcnl nrrlls. book debrs, rec€ivabtes bolh prescnr and l.uture. lr\ceDt lhosespeciticaLl) and e\clusivct! chargod. on a firsr rantrnB pari pis\u chrre( o\er rtre,ecur r, srrcl

urit! co!er of 1000. ol the priIcip c and inieresl at an) poinl ol.lime the tenor. oflhe Debenrures

ot lhc secrrir! offcr€d and basis on shichislcred !aluerr Nor applicabie as rhe ot]er is

i. lnlenthn ot promoters. directors or ke! manrgeriat pcrsonnet to sub\cribe to otfer: NoldpDltraol( r,, *Jc ot nn cu1!u,.ibt( Jehen,urel

i. lhenamcs(,trhe proposd A oitccs nnd pe]rcenrage ot po.r pri,ute pracemenl caDiratrftar ma] be hcld b) thcm \or Jppt,Ldbte tor nbn- con\enrhte d.benrure

in the (omprnt that $oxtd occur consrqrrcnr (o ihr

\ i !1oi. ol pr\ rrr.nt Tof \uhscr pl o|

nd nddrcs\ ol lhc rrttrcl.$ho pcrti)rnrrd \ntu (iocc has boen arri\ed ar atong $ilh rrporr of thc rcisnrc ofdcbr innr!nrenr in the fornr ofsccured dcbent

Thc change in conrrol, if anr,prir?tc placcmenr: Nor rppjicable

'Ihe pre issre ard posr i5surformnt: ihcre \ritt nor be an!Debentures. hcnce non-appticabte

The jrstilicarion tor thc alornrcnr proposcd to bc madc tor ronsidemtion othcr rhanca\h logether Nirh \atuaiion reporr ofthe regislercd vatucr: Not applicable

Rel$ant daic $irh refcrencc to ryhirh the prjce has been arrivcd ar: Nor appticabtc

llrr dernils olsigrilicarl rnd matcrial orders parsed by r€gutrlors, courls, und tribunatsimpa(iing thc going conrern sralus ofrhe Compsnt and iis fuiurr operalions: Nil

\harehotdjns f,,,",, ,, ,* ( ompan\ in rhe specified.r'anLe r rtrf .harehotdrnr parhrn h\ rhc i*uanLc ut

'l hc numbcr of persons lo whom atknmenr of prirate ptaccmenldoring the rcar, in ternrs otsccorirics as we xs price: Nit

hx\ nlrrNd\ bccn rr(tc

Cotrtrihuti(,n bcing mndc b\ the promoters or dircctors eirhcr as pxrr of the otter orseI)arateh in furthcmn(c or srch objects: Ihc secLriries ori.".",t Ui ri i. "m,

r.tr". i, "oiollired ro ponolers or direclors ofthc Companv

No finalcial orothcr bcnclll or olher iireresr acEruing tolhe promoters oflhc Conrpany. rs

direclors or ker, manage.ial peronnel oul ofthe ofter ofsecurilies conteniptated in this oi.erdocunrent. Apan tiom lheir shareholding. the rdmunerarions reccivabte from the Compan).promoters or direcrors of rhe Company arc not inrerested in rhis issue.

I)erails ol an\ itisar()n or lcgrl clion pending of raken b] an) Ministry or Depanmenl ottheuo\ ernrr.nr or a .ururor, rurtn,rrrl reair,r anl dthtc. \..r inrlr.dial.l\ nrcc.rli

68

t,

issued by such Miristry or Deparrmenl oralion or legal action shall bc disckx.d.

aurho.it! ,r., a""a,r,

IsUch iri

1. A crlnlnal co iplaint has beeh filed betore rhe Cil\ Crime Branch. Coi iharore i (lC No 76110ll againsl oUfCorrrpany. V.P Nandakunrar. Nianaglng Dircctu.and Ctric|_\ccurr!! Olticcr ol our Conr ). N1r. tl]lnikrishru . a lbnn.rexecutive director ofOur Coflrpany a]long sith tuo orhcr fonDer cmpto\ces ot our Compa y. for ollinces undcr sedtio|s120B.409 and.{20 ofthe lndian Penaf Code. 1860. Ca)arhri Rajanranikkam. rhc comptaina . allcled lhal Our Compttr\ iirciusing to rclease the plcdge created by rhe complainant in tavour olour Conrpan\. despil her having otTered ro p.[ rhcprincipal back with the interesr and rh{re are allegalions againsr Our Compan) tor rhe oft.cnc

f. Dctails of litigalion or lcgal actio s againsl thc Compar) and its promot.jrs are gi\en

pending.

of dishonest misapproprlarionand disposal ol pledged sold. Our Cqmpan) has obtaincd anticiparor) hait for V. p. Na and lhe cnrployees. OurCompany has filed quashing petirionE under secrion 482 ofCriminat procedurc Code. I I afd crirninal friscellancouspetilion for dispcrsing \rirh pc.sonalilppearance olV p.NandatiUnrarandtIrntrri\hntln Iudicial I;irn ( lass \4r!isllur.Coun, belore the llish (loun ol Madras The Ili{h CoLrn or Madras has on S.ptcnrber I . 20ll has dispenscd wilh thepersonal appearance ol V. P. Nandaluniar bclbrc lhc.ludici:]t rirsr Ctass Mrginrare Cou al ( o rlb rd. lh. ntilll.r \

2.D.V.Sure,hbibuhd, nn,r,red (riminit proceed,ng, asa.r\r v p Nan(tdtumdr.BN n",..r!*ertrunao,r,.,O,,e.r{^,rour Corrp,rr\ d rd rlrc rninJr(r ard en]rplo)((, ut ,ll(rrrT.,r'\\hrJrtrt,.,s.t.,] ,'.('t,, IhR.,JJ.ttarrrit"r(h]rli;r,lrornplarnr(r \o I0l0l:$rl,Bhrralhrndgar Policc sr.rrj^ . Rrn-!ator< thcJh.r(rrirne r, regnrcred tor ottences rclJrir,:lo char!ins c\.!bilcnl rat( or', r.re\l under Scctro t'o ot l ordn prnJ r.dc. t8o0 rcrJ wirh :ection, j rrd Jr rhcKdrnaraka Pron.biIonot ( harging t r{rbrtanr tnrerc,r

^.r. Lrut Anri.i|dror\ orit ha, hcrrrfrunr..d ror ., rh.,(.,r*Jn.,

members in a Crl. Misc. Peririon No 25106/2011belbrc rhe Coun ofthc Cit) Cilit and Scssions Judge. aangatorc, Ihc

l. The Assistanl Rcgistrar ofCo-operative Societies. ShiDroga has insrirured crimirlal procccdinglj a-qainst V. P. Nandakumqr and

Matsisrrare frrsr (la.s. shinroca. lhe+bo\elJrirne i. resrnered rbr olfcric(. rcgisrered undet sclriun. 28. j8. io and ,t I ,'r'rhe Xarnarala Monct l.ender' Acr l16l .n,i S((liun 4 ol rhc karnarald Prohibirron ol Chhrgrn* I-rorbiranr lnreresr] A.r1004alleeinrIhdrourCornpanlha.bCencharringe\orbirinIdrc\ofinlere.r.rndrheconduJrinr:olanillegalaucrionrfrrl.complainanr'\ pledged gold Our Cofnean) ' Bran\h \4anuger and V.p Nanddkun,ar irhd tited d pelirion betorF rhe

,.,]ll -!",-" ",

KJnraraka rb, qua,hi F

rhe Ld,e dnd r'u,rl,(, p.oc(eoinls rsdrn\r horh. bcdii g rererence No Crt p Nu.4j6l/201j and intcrinr sla) has been franred and linh.r proftldings ofCC.::7 li has bc{n sraycd rill dispo\al ol qrl I,No.416:l'l0ll lhc I-o\\cr Coufl nraner is posrcd ro N1a) 0.1.1010. Ihc auer spcndirs

4. lrene Drand D \.r. d !o d toan c,rvome.] na' lte.t a (ol|pli ,l bctore V.rnqJlor( soLrtl, totice Star,on and reri\t.rcJ (rin.c J.5820llforoffcnce\undersecrion40d.420readsirhs(crion14ol rhe lndran PcnalCode. 1860 alle8ins rhar our (on]pan!hd. uronglull) rerarned rh( cu\lod) oirhe told orndnrulr. rr rl,< co[plairJiI uhrch had b{cr pl<.lg(d qirh our Conlpa,or ar,,ilirrg Len0i,r lodn.. II(.,rnpla1,,anrfiledJ.rir ,,al ,(\i,i,'n|\r.i,,,,r'rrir.rercre.r{enr|nr'o t-j.'ot'h(t,[(rtJCoun ofrhc Addiuonal Dr\rnLr and Scr\ion5 Ju.lge. \4rnsa.orc dgrIr,r rl,c o,J(r ir dll{$,lls inreflrn cJ\rod) ot .:ulJornamenr. Io uur (ompan). Ihe relr,ion per,rion i, ornl) Jllo$ed Jrd d.r<crJd our CfD,pd \ ro.ua,rnd(r rhc roldornanrenr' $ irh rh( L oun ol rhe l,.drci+l \4d{rsr'drc l. -\l ( ld.. Va S.rlore. \rle. \ ornplct !n of in\ (.rig ion. ch.rrg( . ( r

hd'bcenfiledandca.(1Lr)bcr(Ja.({.21q0 li lheca.(nu$ nosrcLl rbr u-d.r. u I June 05. 1020.

69

s. snnrvasa. nranager ot our Conrpany-s branch ar Shiix)gir b) Ulins I ccPolice Station. Shimoga and a crinrinall complainr bearing rct-crcDcc number

\

v))j

5.Culfam Ahnrad. has inslilrlunrber l0 l0ll bclare iIbr otlences under Secti

relation 1o gold ornamen

serled on our conrpan)

Saket through a memora

mallcr is pending.

al cgirs !naurlroriscd li

T.Nagarai has filed a com

registered bearing No.iassistanl branch nraf age

heshrna has insrituted r

pursuant lo a criminal

Class xr l-udhiina n

regi(ered $ith lhem I](Crinrc 75/15 and Cr

havc arrcsrcd BH and A

lddcd Scclion I l.l l0l.url e plll)D bail lar

l,resenrl) lhe matler is u

Mr. Mrnoi varelrese. a

Ilrarch Manager ofourh.ar n! \..o l5l7 l0l5conducting a dctailud in

reference nunrber CC

Thercafier our Conpanquashing the case and

reltrelce No. Crl.MC718711017. Thc lli8h Cconsldcr lhr reier r.poall'csh ro decidr \h.iThe nlatter is pe ding.

criminal proceeding

llangalorc. a-sainst our

to a crimlnal corrrplainr

in Kanatalia. Th. abo

Erorbitant Interen Act

Pursuant lo the wril pcll

of charges. proceedings

rcterence number CR

Magintulc ar Ilanlalore

70

€d criminal proccedings agalnst our Compan) pursuant lo a privatc conlplalnt bearing releren*cCounolrhcChiefMerropoliranMagislrateatSakelinDelhi.'lheabovecomplaintisregisteredn 406 and,120 ol lndian Penal Code. 1860. alleging fhar our Compan! carried oui an auction in

r pledgcd b) rhc complainanr ibr availing a loan ftom bur Company wilholrl notice. Summons uas

,ursuanlloshlchourCornprn)appcarcdbclbrclheCourtoflheChiefMclropolilanMagislrateatdum ofappearance. lhe rnatlcr has bccf posled on Juhe 17. 2010 ibr consideration on chargc. Thc

inal proceedingsagainsrourConrpanyandSuman.n,{"ra-"t,*,a,.p"",,h,ancha,Iudhiananplainr bearing reference rlumber COMI,'142/2014 bclorc thc Courr ol thr iudrcul M,rgr5rrarc IirnU,b. lhe abole crinrc is regln.fud Iar otiances undFr Srcrion l0o ol'lndian l'rndl Lo,l€. 1860

sal ofgold pledged with our Company. Thc matier ij OenainS tbr aOOearance on May 28, 2020.

lainl beli,e Nangli police allcging that his gold or,]ra'nents has been stolen and FIR has been

'15 under Section 180. 454 of IPC. During invesiigatlon, police has arresred branch manager and

olour Compan) s l,ungannur branch. Nangli police issued norice ro produce lheli gold in crime

the gold was already seized by Pun-sannur Police arld Mrdrnrprlli Dolice iI xnother rqo !flmes9l/15). Even though we have explained and shotrn fr,.,etar.,,r'Uo.u'n.n15 ro Nrn!li police. rhey

rH lbr crime .egislered by rhem. lhe)- were remandeq and subsequenrh released on barl. Larur on

and 111 of ll'C. Suhsequentlr- in\cncd three n'ore Fmelo\ee! in rhe cri e. we halc obrdrned

addrtional addcd.nrplolccs through Cri. N,{isc.Nd 2jE 15. lsr Addl. Sess ons Jud!e, K,,lar.

invcstigalion

s poslcd on Jul\ 18.2010. Thc rnaucr is pending.

as becn instituted b) rhe ReSistrar ol Co operativq Society (Money l.ending). Aliakar Road.

onrpan) in relalior to crimc nunrber ( r No 270/2012 at Yeshwanthpur police Station and pursuani

rarlng relercncc numbcr 10166l0ll betbre the Cour! oflhe Merropolrran Magisrrarc at Bangalorecrinrc is r.gistcrcd Ior onincer undlr Seclion I and 4 of rhe Karnalaka Prohibition ot Charglrs

1004 alleglng lhat our Compan!' is charging exorbirFnt inrerest rares on gold loans. At present.

oI b(dr,r! rerrr(nc( rJrnb!r l8:,)-i0l.lpendrngbrlor(lhcHr!hCounol Kdrnrldrd lorqua.h !)efore the Court ol thc Melropolitan Magisrraie ar llangalore have bcen slaled as per order bcaring

'67ll/ll b,," the lligh Cord of Karnataka. Thc maxer before the Coun of the Metropotrun

1 can bc procecdcd . lhc lo\\,er court mallcr ls l.sllt posted on April 0i. l0:0

ceeding againsr our Cornpanv in crime numberumber CC No.0l 1009 belbre rhe Cou.l ol ihe Mali

ollonces l]ldcr Scclion {0ar ol lhc l dlaf l,cnat (i)cl. 19.11allegir)g rhar our Conrpar) conduclcd an a

insr V.1,. Nandakunrar is quashed as pcr order ol Inrmber I 190712008 The ne\t date of ing betbre thc L-oun ol rhc l\,lagin lc at t hituvarlastly posred lbr ScNice oI NBW lo No. 2 and No.3. The maxer is pending.

ll.A crinrinal procccding has becn inst ted againsl our Conrpany and Branch nranager.conrDlainl bearin!: rclcrence Cl l 014 in crinre rUnrbcr Cr No. l5l,l0l.1 liled Nith

oflences under Section.106 ol lndian t,e|al Code. I

has been tak.n lor the Branch nran

l0.Karhiravel. has instituled a criminalcrimir)al conrplainl bearing rclcrenceNadu. The abovc cr nre is rcgistered

and l8 ol lamil Nadu l,a\rn Brokersto the relevanl pledgor. Chargc sheel

O ssa. lhe above crime is rcgineredhas auctioned gold piedged wilh our mpany before rhe expir\ oflhe noricc pcriod given t

The ma(er i5 pending.

l2.lndarsingh. Assislant Regisrrar. Co-opqralive Socieh Cu barga. Karnarakr has ljted a conrptagairn Mr. la!cd Hussain Khan. ch Manager (Al) ol lhe Super Markcl llranch o

nl $ 1r lhc pol...rr (ir ll) rrour ('ofrna r\ accu.in! ou,

Conrpan) of chareillc c\orbitant rate of inlcrcsr on uold loan\ in violation ol Sccltof 5 28 ol thc Karnaraka Mof.\Lenders Acl. l96l and Section I and Secrion,l ol Karnaraka prohibirion ior Charging Ex ilanl Int€resr Acl- 200.1r 'lheChowk Policc Stalion. Gulbarga. reg l lR against Mr. Javed Iluss!in Khan. Branch r(Al) ofrhe Super Mtrrket

$rit peritn,n Illed b! orrBranch ol our Cornpaf) on Mar ll. l0l: b.aring crirI. Unrb.r ()079t0 I Ar prc5eConrpan) bearing reterencc nu ber 1859712012 in rclpecl of rhe simitar i!sue is pend

. a $rit peritn,n Illed b! orrng before ihe lligh Coulr! ol

Karnalllkr. und.r $h ch lhc.rinrinn prrcccd g!, bcii)r.1h. o\.r courl hr\. h..n nl\l:rt.

loser coLrn ha\ e been \rx) ed. I he markr is pcndrn!

Seclion 5 olKarnaraka Prohibirbn ofEhargins hxorbilanr lftcrcst Acl 2004 rhe Madhugili Police registered FlRagainsrour(ornpanlor\4.r\,-. lu2bedring(rinr<nurnb.rUr,'I:ull {r pr<\<Ir. d $llr p(liriun rlleilqljur r orrpJn) b<or,rj.r

li.C.B. Kalaghatagi, Regislrar of Co-opqralive Socierics. I)harwad has illed a conrplaint with lhe police at Hubli agairrgl rhe

Manager ofour Company situated at Chiita Compler. Near tndi Punrp. Otd Hubti. accusing our Conrpan) for chatgingexorbitant rale of interest on secured alrd unsecured loans iD violation ol Secrion l8 ol rhc Karrataka Money Lcnders Acr-lq6l and Secron I and Secrion 1 ol l..Frnaraka Prohibition of Charging Exorbirant Inreresr Apt- 2004. The Srlb,lnspechr olPolice. Hubli\ourh Dhdr$ad. re!i.re+d l lR acain.r rl-u \4.I.d,,er ot ouraompdn\ ir Chirr.rConrrle\. \eartnd. p,rmn.odHubli onMa! 18. l0l:beann!cnnrei,Lrmberl0l/2011.Atprcsenl,nwrirperirionllledbv(urCornparybearingrclcicnc.number l859li201-a rn respeclolrheslm,larissue is pcnding betbre lhe llighCou ol KarDdtaka. under which the crininalproceedings before rhe lo\{er cou( havl been srayed. 'l he maiter is pending.

l4 J. Sanjay. Senior lnspector. CoopcralivF Department. KAI)A Office. has filcd a complaint wiih the police at Mysore. a$in(Mr. Ravi, Branch Manager ol our Combany situated at Rarraswany Circlc. l\4)sore City. acc{sing our Compan! ol char!ingc\orbiranr rare of rnreresr on gold loan+ in v;olation ofSection 28 ofthe Karnaraka Money L+nders Acr. t96I and Secrio land Seclion 4 ol Karnaraka Prohiblrion of Charging Exorbilanr lnteresi Act- 2004. The Sub-lnspector of p0lice.

Lakshmipuranr. Mysore Cir). rcgisrerfd llR against Mr. Ravi. Branch Managcr ol our Cgmpan) at Ranras$an).Circlc.Mysore Cir) on Ma) .10. 2012 bearing trinre number 056 1011. I he charse shccl is \cl kr hc filed und rhe nrauer is currlnr )at the stage ol irrvesrigarion. Ar presqnr. a wrir perilion filcd b) our Conrpanv bearins re$erence nunber 1859?/2012 in

respecl olthe similar issue is p€nding fefore the lli8h Courr ol Karnalaka. under which the Criminal proceedings belbnp rlrc

lr C. Thippe5sam). fil!d a cnmplaint wiih rhe police at Madhugiri agairrsr our Cornpany. accubing our Compan) ot chafsinge\orbrranr r,rr( ol ifr(rc\l ,)rr go)d loarfs in violalion ofsecrion S and l8 o, rh. Karnataka lr4ond l-endcrs Acl. tS6l and

77

cri$inal proceediigs

l4.r.D Umesh. has filed a

l{aiajinagar. Bangalore

uftcc!red loan! in \ ioKanralaka l'r ohibilionMana-lcroio rCornpa0179r:012. At presenl,

issue is perdlng belore r

na)ed lhc maucr s

ll Krishnappa. a sold loan

thuL!h rhr llra .h \4rloans. lhe Olficer in

Compan! siruated ar K

our Conpany bearing

Kaffarlka. under \!h ich

11.1. Sarala. Assrsranr Re

filed a (omplaint sirhWilsongarden Branch.

l9.S!ndaiai (i I. lf spector

$illr llr. folcc ai llafs.r

loans in violarion ofSeof Charging ExorbitantM,rnagcr and Forcnian

20ll bcaring crinrc nu

18597/2012 in respecr

proceedings bclbrc the

ehnr!irs c\orbitanl r.lnrer€n Acc 2004. 1he

of our Company on M

which thc crinrinal

lrl Sri Nlirh.qh ll .lllcrrBangalore Cllt. Ka

Aansalorc, againsl ourSeclion 4 of Karnalaka

Cit). regislered FIR

llled by our Compan)ol Kamat.ka rnd.r \!hi

1)

rctarencc number 18597/2012 in rcspcct oflhe sinrilar issue is pending before thc High Coun of Karnataka, under which tnc

thc lo$.r (ourr hr\. bccf slaled. l he nr:rner is pcndirg

omplainl with lhe police al Bangalore. against the Branch Managcr ofour Compdny at 2nd Block.ir),. K3llillarrrataka. accusing our Conrpany olcharging exorbitanl rate of interest on secured and

ion olScction 5 afd j8 oflhc Kamataka Money LendErs Act. 1961 and Secrion I and Section 4 ofcharging l.\orbilanl lnleree Acc 200.1. The Police. Raiajinagar. rcginercd FIR against the Branch

IIish Coun ol Kanraraka. uider r\hich the criminal proceedings bctbre thc lo$cr coun have been

nrer oi our Company has filed a complainl with lhe police ar Kanakapura against our Conlpanyagcr ol KlfaIpura br.rnch. iccus]ng our Company ()4 charging erorbitanl rale of interest on gold

gc ol rhe l']dicc Slalion al Kanlkapura. registerud FIR againsr lhe Uranch Manager of our

akapura on Auglst l7 20ll heirrlng crirne nunrber 226,12011. Ar prcscnr. a wril petition tiled b!-

Lrence numbcr 18597,2012 in respect oflhe similat issue is pending belbre the High Court ofcriminal procecdings before the lower court have b+en stayed. The matter is pendins.

nrar ol Co{perari\r( Societie5 Cenlral division. Mallesh$aram. Bangalore Cirv. Karnataka. has

pollce at Bansalorc asainst the N4anager and Forehan & Branch Manager ofour Company atlore ( u!. Karnaraka. accuslng o!r Conlpany ol charging e\orbiranr rate of inrercst on gold

I I lfd lllock. Raiaiinagar. llars!ore Citr-. Kanrataka on Ma) li. l0l2 bearing crinrc nunrber

!rrit pctnior lllcd b) our (innpan\ braring ret-erence nunrbcr 18597,2011in respecr ol rhe sinrilar

ion l. 38 and l9 ol the Karnataka Money Lcndcrs Acr. I96l and Section i ofKarnalaka Prohibiriunlnteresl Acc 100,1 lhe Wilsongarden Police Station. Bangalore City regislercd FIR againsl rhe

lltanch M,rnager ofour Compan) at Wilsongarden Aranch. Bansalorc City. Karnaraka on June 08.Itanch M,rnager ofour Compan) at Wilsongarden Aranch. Bansalorc City. Karnaraka on June 08.bcr 0ll8l0l2. At present. a wrt pcrition illed by our Compan) bcaring reference numberI rhe si!niltir issue rs pcndin!r belitre the Iiish Coun ol Kanrataka. under which the crinrinalwer coun ha!c bccn sla\cd. lhe nratter is pending.

o-operalive Departmenr. North Zone. l\4alleshwaram, Eangalore. Karnataka. has llled a complainrrc. againsr the o$ ner olour Conpan\ branch ar BSR Arcade. Bangalore. alleging our Compan) ofoJ intc.csr on loars ln !rol ion ol Sccrion I ol Karnaraka l,rdribirion ol Charging ExorbiianitI]cer in charsc ol rhc Sheshadripuranr Police Stationl Bangalorc. rcgistered FIR againn rhc owner' 30. 2012 bearing crime nunrber 0ll6/2012. er prisenr. a \\ r pernion fited b\ our Conrpaly

18597.1011 irr respccr ofthe sifrilar issuc is pendrng belore Ltre Ilrgh Coun ul Iarnaraka. u derdings before the lower court have been stayed. The mFfler is pending.

fl)A llcpur\ Rcgisirar of ( ol)pcruriv! Societ! and Regisr.ar ol Moner- tendin!. North DivisruJr.

ol interest on loans in violalion ol'rohibition ofCharging E),otuitant lnlcren Acl- 2004. I-he Vija)anagar potice Station, Ilangatorenst our Compan! on.lune Il. 2012 bearing crime number 0437/20t2. Ai present. a writ peritrun1ring reference nunrber 18597/2012 in respecl ofthe slmilar issue is pending bcfore the High Counh the criminal proceedings belorc rhc lower coun havq been stayed The marrer is pending.

: L Nara!ana. Arsi(alll Rrgi!1mr

crillinal ptr).eed ngs belbrc rhc o$er c

22.Sri. LD. Unresh. Ofilcer FDA Saha

wilh the policc at Bangalde. againsl

Sanghagala trPA Nibandhakar. Ilangalol! Cir). Kainaraka. hrs Illed a conrflnirrlnch Manager. olour Compan\ ar otllce No l l. lrq. Rajaiinagar. Bangalore (it!.

Susharrrx Br anch \,lanaqcr. \la appur.rinr

l)o

ager

'ir p

i{h

itt)olrlr

\rrit pelit

: lli{h Co

ol rl

peli

hC(

irlcl8

Mr

rhe

f(li

nd:rbitrlh

rlc!ill8tl.anr lr

Man.

he 1l

r(lif!

itt)n ln

:1li!

rale ol rnleresr on sccured and unsecu

196l and Section 4 and Section 5 ofKPolice Starion, Karnaraka rcgiKuvempunagara on Mar- 0i. 2012 bear

reference nunlb.r 18597,2012 in res

ing exorbitant rale ol interesr on loans in violatidn ol Secthrs 5 nnd .18 of th.Karnalaka Nlone) l.cnders Acr. l96l a

Act- 100,1 lhc Rairlinagar l)olic. Srar

d s(crron i dnd \((r'^r I ol I ir ,.,r.r1., Pr,lihiri,,,f( h.,rIinr I vrl.lL,, r l.IT,..

Raiaii agar. lliurs.rlorc Cir) or N.].r)

(lonrpaf) b.rrlng rcrir.nc. nrl b'jr. l0ll bcarirrs !rirrc r!nrbcr 0176l0ll. ,\r pr.scrll. a $ril pclirion liLcd b\ ou,

8597l0ll Ln r.\pccr ol rhc \irrr,r r\\!. is p.ndihlr b.lorc rhe ll!h (o!rr1 ol

KaDaraka trfder which rh. crimin.l cecdings btr'orc th. loNcr coun ha!c be.n sri\cd. I h\r rrrllu \ p. xlirg.

)r.HP. Kumar. A\\i\ranr R(:risrrdr ^i (h-operdrr!e \oL (ric.. ldfihere srh Dr\i\r^r) Bll qoad l.rrikcre. K.,rnn.rl.,. l.F

iniriated criminal procccdings againsi Mana-{er ol our Co prnr braneh sirrarcJ ;rr lnd !locL 'irLrarrd lll l(atrji \rg

Bangalore and tiled a conplainr $ilh ih. police ar Clricl, na-!rlui lsnirrn llrnrrch Ir.nas.r. Ilarile]( L)rurch. recu.i q (,!r

Karnalaka, alleging our Company of

Charging E\orbitanl lntcrcsl Acr- 2001. Ihe larik!r. Itlicr Srarion. Chrelitrnrgalur. l\lErnuka rcs nered llR aslrLr)n

Branch Manager olour Conrpany on lune 28.2012 bearing crime numbcr 0114. At preserl. a srit pclition filcd b) our

Company bearing reference number lrseznot: in respect of the similar isnrc is pcndirng b.lbrc llr. lli3h Coun nl

Karnataka. llnder which the criminal prbcecdings betbre rhe lower coud have been stayed. Thd malrcr is pendinia

,r'i.ri.\ ri\il.n rr\ifir rr.,l .rfrrfxl frr'..(l .!\r!.irtr .r r ( (,rrDiLi\ rfrl r'l .Ll

olsection 5 and Sccrior S ol rhe Karnaraka Monel l.cndcrs Acl. l96l rnd S.cl on I and Scctiorl 5 ol Karnnhka l'}roh bir ofot Char.ging L\orbilll t lrrler.st Act 100.1 Ihr Arasilterc lo$n Polic.slxll(nr. regislcred llR againd N'lafager ol ou,

aonrpaf\ brarlch bc r ng crinrc nurrrbcr llSl0ll lh.chirrye!rect rs\.t()b. Tlltd. Al pr.scnl- ir \ril pclilion lilcdb\ otlr

Corupan\ lr.rr n! rcter.rrc. nu rb.r l85qrl0ll if .\f.cr oi lr. '.ri|r \\rL. l\ f.f,lng h.lif. lhc ll!h (oLLrr ,'r

Karriitaka. undcr \hich lh. crinrlndl procccdirrg\ h.li)rc I r. lo$.r c.!( hir\e h!.r \ri).1 ihr nrtl.r ' f.f,l r!

againsl the Mandgcr. ol our Conrpan) ar ir65 A. lsr I'knr'. 8() Irc.t Roid. SllM (lolon). llrnsalor.r. Kanralakr on.lunc 01.

Codcoiarinrinal Prccdur. anl llrc s.url. $u\ gr!rr. l,t rh. (!,r,I or.lr]\ 0i. ll]il lhelr('lir.srrlLoL.r(!in(r.J litagainsl lhe Mafager- ol-(tLr aonpao) al 865 A. l!l I'kror. Ito I..r lto l. \llM ( ollnr).l r\gak)r.. Kurr lrka on.l('e l)l

l0|]bearingcrim.no.t]tt0tt.Alprcsent.:rwrirp.llrionb.arifgrelirorcrnur)rb.rl8-i97 l0ll in r.sp..l ol lhc \rn hr

\1alcd lhc rr.ilrcr is pcrrdin-s

13

"'r. l)rilkirsh llabu has lurcd a criminal procceding against our Conlpany inc nunrbcrl8,lll t5 berbrerhe Coun ot.theChier

llircelufdcrS.elion.l:0ot rhc tndiirn prnalCode_ I

Prohibirion ol chrrgi

Qu shinr ])cririorr ( ttlntercsr Ao illeuifg th.l our Conrpan) isis llled belbrc High Coun ol Karnarak

I:\orbirantP. 1778 t9

Nandakurrrar shich is ing The next dalc ol hearing betble lhe Coun ol

S krhi Sirgh h.\ instir lrJ , r1r,r',.r1 t,r,\J(rir! d!.,,n.r uU. r.u,npJn\nunrbcr RC-l No.l]0tlfJ n I,tnrl ( od( alt

rrlonl Judi(r.rl \4r:r\'rare t.,.., t:r.. J.rtainu t.heirS illcgrl aUcrion ol his gotd ornanrenrs. thc ne\r dMa).li.l0l0 and is

rir l,(tilir)n\

I ha!adanpir l,.per i{rne )has Ilcii I $l1l pclilion bcaring rclercfce funrKarnalrLa. B:rn!atore r!.d I,.((r.rl.Lr'r., -rr.. j:a 1.t r.{.or.Tdr\ rcqle\l

r hxnJo\Lr ll(:old p,(trc(d h\ lh( t,<r,tioner and b\

inro thc comptaint regi

quesred the ttcgistrar ot Mo,rey Lendir!. Karnarakarcd b\ lhc l,ctirifler thc $rtr pctjrl(nr js posted lbr

krnthr,rtu ( 1,(l orr.r"l

h\r d lc ol hrrring $hi

has liled . Nril pelilion blaring rcl.crence nunrber.l

\irs on Decenrber 19. 10ilJ. Thc nc\l dale ol heari

06. 201: againsr our CoDrpany to issue a wril otmjtioncr. d bt li:i g lhe inretun palable on the roadiounred on thc tan datc oJ hearing !rhich was on

direcring our CoDrpnn)llre Peririoner hat atso

llangalotu dar.d Dccrhc sold pledged b) rhchearing. 'Ihe maner gor

has

05.

in

r'ilcd ir \nr p.l( oir bcdril]S rej.rc[.e nLnrbcr ]91?012 agaifsr our (ompan\ rbr rhc issuancc (]1 ahs arrir\r o!r (oripan\ ur(lcr lhc provisions

,U.l J\ FtruclrJ bI rJr( Rer.,ral ot I ouperar \e 5rng lhe lhj.U re:pondenr being the RBt ro cdnce, lhcl.r dnd c\rdnt d,rectrun, the $ar perilron rs Do\ted t,r.h $i., n l\L(, o(r iw. rr,tx ih( r.,r.trr.lur n*"

Illcl ir sril p.liliur b. rng rcl.ercrccil 17. :011 aganrsr our Corrpan! sought

mpl) $illr guidetincs issled by RBt ;ndcurrenrlt pending.

lhe H i-sh

') has lil(d | trril p.ritioI bcarins rrt.crclrcc Iumber l

ru.rr.r,J. l.rL rrr.,rr t-,rc.Jirr:.,.rr.i.I.d b, orr Cl_\ rr( l\'lrt.,r.J. .,,",,",-,,, ,,,, , .,, p,,,y ti,. *r,

a writ petiiion bearing reference nurnbcr 587r:0tiur Cornpan) a eging an i egal auction and sale ofI under lA nlnrtrcr 5li/l0t.l in

1A

irccting ihe opposite parties not to

crime number 341,,09 pursuant to a criminaletropolitan Masistrale. Baf galore. .Ihe

aboveard under Section 3 and 4 ofKarnalal(a

harging e\orbiranr ralc oi interesl on ptedges.tbr quashing lhe charge shecr againn V.p.

istrarc is on Aprit 19.2020 and is posred ti,

t to a crininal comptaint bcaring reference

er .19.+0.1, 1012 bcibre rhe Hish Couft of

ase filed for ofences under section 406 ol.thete ol-hca n-!l bclbre Coirrl ot N4agist.ate is on

lbr lhc issuance ota wrtt otmandamus anding rre interesl payabte on rhe toan ar t4o/o.

second respondenr). to expediriousty enquiren3l hearing. I he matrer gol ad.iourncd on rhe

5r 2Cr il bcli)rc thc High Coun olKarnataka.

at ll9,o lhc rrll periik,r rs posred li)r Unatber I9.20t8. Ihe next date othearino ir

| /:0ll belbre rh! IIigh Co!n ot Kanraraka.it of,nandamus or an appropriare \!rit to

of thc Karnaraka t,rohitriri(,r or.Chargingies, Karrataka. the t,eririoncr has aiso

license accorded in ta!our ot our Companlr llnal heann! I h. nraUer !or adiourned on

I :0ll belirre rhe ltigh Coun ot Andhft

amus directing our Compan! to handover

to dircd the respondenl being lhe RUI lo

l8l'l0 ti bctorc lhc H jsh Coun ofAndhrah CoUn ol Andhrn l,r desh. ltlderabad tonrpan) dared Jut). t6. 20t,,1 for rhe auctionelition is cLrrrcnrt) pending.

.e the High Coun ofOrissa, Cuttack dal-"d

the gold pledged by rhe Petiiioner wirhour

ornaments pledged. An inrerim order lvas

A1

handover thc irongaged goldpending.

7. Panchanana llehcra ( Pctili(rrcr") h.l\Orlssa- Culhck of Aulrusl 16.201,1

te n nat ng lh. Pcliliurcr's scn ccs

original dcsignalnm ie. branch nrana

lo lrcal lhc penod ofser!ice as rerulabenellts. Thu nratlcr r{as lan lisred

listed. The $rn pelirion i! curenlly pe

8. Sreekala AIr (-P.tirloncr")has li cd

Ernakulam on Dcccmber l9.l0l9Govemor. Rll l. Bombat(1"' resp

Company Sccrelary (5rh respondent)

respondent. The nratter !r,as last lislcurrently pcnding.

g. lilll anl Sl,lll l)roc.cJ nu\

L lh. Rlll hird rccci

rrls lo the ilrer or pu.hrs.r rrll I .bruu\ lS.

il1rd a $rl tcririori hc r! r.i.r.r!c fL,frhLf I

rrr.urir\r our (tfriflr\ ]i,r qu,r\h rr rh. l.lt.s r brlnch rrrrrrx-.r L r. l'].lir tr.r ...1. .rr \inIt $ilh our (irtr1pan\ l'Lrrhc .1hc Pet lo|(r alr

' lionr lhc dal. ol llnnirarion ri rh. dxrc ol r.irr| \or! rl'Lr 'o '0 .l . r i r( r'.rtrrr $.,1 rr !rdinS.

r sril p.lir ( l)!i,,f:,.lcr.r.u,ru !h. ir(r.t llin\r Slrcr.rnr\. Nlr r \t \ (il l rrr rc. \.$ l). hi

elrll lo lakc rcrlorr r.!.,ifst rh. Nrrf.r lrrrIr I

rrue-.r.lori l' \".,\ ,,,1 l'r(l(ltl \.".'r \xrd on Nlarch 17.1010. llr. rrat.r has fol b.cf

a,ar]

ln., ,li

,." n.1

(allrd

.,r,,r,]i .,,r l

.,1,1i,,,]

n rinJ

lht st L pct,t or rr currr rt r

li)l I h.ji,r. th. lli:rr (',,r,1 L,l

nrifrrion (litle(i lnf. ll l0 I

r..r r:l r , .r r'r.rr.rrl(lr r, lr .

\rd riir il (crLf! ,r ( ,) ntrf\rrcnr \ rrh cofs.qu.nrial \er\iu.upon Ihc rlllur his rror t)..rr

.lo . rlr. I I itl) ( o!ll t)l l.ir .r .r

nh.r\ 'rcl, rr! LliI..liorr r!r f\r:e l. ll r!.1 r.pr.\.I.1 b\ il 'lhr d rcclion \\!c(l h\ th. l

d lirrih.r lhe \\ rlr fcl 1i(,,r i'

dcposr slips tbr M

deposired with rhe ls$as no k,rger allowra nol]- e\irrllg cornp

ro aclepr LI<to!r\ lro,rr rl'c Dr'hl.c. r'r< I$.r(r lad rlujalt\ rr n'l(rr(d rl. depol,I. r,'

lirr V.P Nnrrdalunra

ny wirhour rh. knoBl.dg. ol th. dcposrlors llrir lssuar had oblaircd anlicipaloq biril

l_hc l'elirioncr had r !, $ush( an RIll .r'!ur^ inro rhc nr ncr. lhe l{lll ad!i(r(l rhc

Issuer ro stop usrng (he brarches ol lhe lssudr lo cross s.ll lhc producls ol Ihc grcup corlrprnrcs. . nlcd

companies and tirms of V.P. NandrkLrnrar and ensure thar lhe lssuer mainl;iirrs arr ann s length rclarion\hrp

with ;ts sisler conceris and relared tirnrs. and directed thc lssuer o imnrediatel) desisl tiorlr allo$irlg lh.

usc olthe lssuer's piemises. branchcs or ollicials b) Manappuram ABro larns or an) olhcr cnlit) lor

accepting deposils tiOnr lhe public or lbr any olhcr llnancinl aclivit\ and rc nlso clnr f\ ir lhc publ c ilorrrlin

thc nan)!'s ol irs groub enlili.s shich $crc rcs lrtled br Rlll hc l$u.r rcshondcJ ro rlrr Itlll !lrril\1rr:,r\posirion and inlbnnch lhc RBI rhar as ol Atril l.l0lt). rh. rorrl oursrarldir)it dcposirs larin: rn rFer,,s

n.co!ril \a\ l{i l(rli rrill(nr 1r 1ir.. \li,rrftur,tn \!Lo l.rrrrr' lrri ir\!r.l (i(:rt,r\l 'i,. I' t,, L .

cuslorlrc \ lor l.(\ l0l0 rr liorr . rr!. \t),i . l0ltr riJ i\,rr\.!lu.rrli\. r' ol l)!!!,r)hr, I l(ri(r rrJ

oulslafdingdcposilla\irrgirrlht.ren)nirccounri\11\0t)(r1 rrrL lio,r lh. l{lll p(rritr,rnL f.ir\l.1rrr ,hr.,lJrfuar\ 01. l0 5 !ooljrnrcd n\ .rcl,rro\ L!dg.n. rl or I r. \r it!s rtutrrl.tl) \lrlt\ rcl)o1\ !LLbrLrr.rl tr\ rl.Issuer wirh regard to thc deposils collected by Manappuran Agro Fanns and also slaled thal lhe r+rl! ro

lh. ltlll lrad llrrough ils lellcr d!l.d iLlr\r Il0I rs{ .J r \h(i$ ci!\. for rirorlr. l\\o.r '.il).!r ,'i

(i) rhe non d.clararior) b! lh. lssucr ol lhc r.s.r\c pr e! durirr!. rhc rucliof ol qotl o rirrlr.fl! fl.dS.tl h\

th. Cusronrer: (ii) non-inlirlration()cuslonrcrrinlhec\c,rlolanlchan:.ciflhcP!ril)ol sol.l 3r ir\sr!!..1

b\ rhe compan) sutr\cquenr to r dishrrrsenrcnl ol lh. loarr: ( ii) stlixinu ol Iigh \a !c l(trrns ercarer rrirrr

It( 0 | nilln)n !o thlll Ih. loirf Ji\l.rr\. rrrfl. rr.LJ. ,h(,\. R\ (r I ril iLi, r . ritrl. . .rlr f(llJir]! rlr.

i!!ucol uficros.ied chcqucs \ rll.di\hLL \inv rr r\ iLho\. lt\rr I rr ll on ) l!n n\l $ hich .r\ ' \ r\ $ ilh(lr,rs r

r.ro\\ hrrrl courrl.rs hr crrtorrrr. Li\rtri'L rL.r (,r rrl,|.'L \nr nrl $lrr'J'l ror )rrrL L

d.11|lli srch a\ lh. dnr. ol llr.r!(1i(i . 1lr! \! r. rhc irr.rl!, 1,1 (.r ,rr losltrl\ f,,,,. ), I irrf ..1 ,,f.1 ,,r'.'

thc rho$ cause noric( submiltcd b] lhc lssucr is lnritc \ lc..tlrhlc

charge\ rcco\crcd durin-g aucli()n (inrL!dlrrg rrol co,rdtrcl rs.ucrror! xl designrrrtl hrir(11.\ orr sllc.ill..l

clarificalions on the poinls obiervcd along with supporting

1t

rt Ihi\ r(gdrd and rl(o nro\ ldrd

March

Pri\atc L'l dirg)

in li

inlbrnrari

orher SC

SCN C

On.lul) I

anl s('Nli t0t9

n.ccssar\ clarlucati(nr\ an(l e\ptllnalions to R3t ir the pePursuant ro fiis. lhe RIll !idc ils tctrer dated March 28. 2018innructions oi RBI penaining to dcctararion or reserve pricaLrclron prccess. pon auction inlinration lclrer and disburse$h,ch lill l,c conrinuoosl! nonirorcd b) rhr ttrll

lhc C \ rc..ir.d lclrer ltonr Sl Ilt. (tll(d Seplembcr ldirccti s is!ued ro llre Conpnrl) L)) thc Rllt !idc elrcr

,,n on $ltrl<" rrr< ( ,,r.rpanl n,rLr o,r .t....d -I corporarc disclosure practicci. in accordance wir(D on rhc I n)c ot opcrrifg rni ck)sing ot tradin!\., Li' i.i..L "r.ir..,t." r.t...u..;... r..,(,J'

thal it \rould bc rcponnrg a loss ot.up lo {500 nl i

:r) l0l: rsrre ol lh(.\fccrcd toss trcli)re rht ot.ticial annoulhc dcliris ot lr din! h\ lh. peBons on lhe scrip( (rntr|\ lionr,\[]hir (.rt lrt I)ri\nrc I inlir€d. Cor

rcnrhcr 10.l0li narjns ltrrt the Conrpan\ rvas ararequaner |vhich Bas undellakcn in rhe firsl $eek ot

re ol hc e\prct(J o^e. 4d rhe ,nronoto$ of cverl0lj , .,r.nJI! tfl. dLJd.liu.l.r ) rltorl)eo \t tst lh

ifconrplrancc Nilh lhe..codr o, inrcrnal procedpractjcer' were also soughr. The Comp3ny has resp

r 6. l0ll l-h. Conrpan) has conltnlcd rhe tinnutand codc oJ corporatc djscbsure practices.. in acco\ith !ll th! irltbrndi(rrr !)u!hl.

hils pL!\uarr tu errlaits dar.d t)ecenrbcr 26. l0tj. 141 1. tlre pr^ha^i . ot',.ur (.ornnnir\,cnot'ir j ndi\,r -d lh. st BLoJlt.l ntonnzlior fro|r t

ral l,ri!ilc t_inrired rhroush ir\ e-nrait conrnrunicalihrrlrd b\ Corrprr\ $ rh ,\rnh I I,ri!ale C pirat l.jnr

udlcalrng {)lllcer. l.nquiris and AdlLidicarton jJepartbri[ing r.llr.rcc n!nrbcr lSI]Bt IO IjAD j JS DJlN ) ro Conrpan) and olhcr persons inctudinp I. Lrn:r(d lo' rl u rlt. r(d , iot.,rio.i\ ot ren,ril R(!utdtron\csul.Iir)ns. l99t nnd Sfllt (Prohibiljol oftnsider I

nor.\ i\nr.l silh r.lircfee l(j lhc LJir.(lio[\ ot.theb\ thc ((nnpan) s direcr(trs. ke) pcrsonnet and c

li.r'r ]i.,jr.r. .,t.!r. $ t \.1-i., ,t ,jt \(cu lSl:lll /\cr. t99l rc.d \lh.enrirl R.qLtaliolrs ot S

ilr. si.March l

l0ll w

SI J]I r\dt9. l0j9

ic.s rcllri ! lo Si:c!ritics N,t.rkcr)R.gutarions_ t00icof(fuclcd intcsligalion iI lhe nra[cr of selective

n by Conrpanr tbr pcriod tionr N4arch t. 20tj tonolices lo subnrit rhcir repty with regard to their respnrrf iflornred SljUt otils inrcntion to filc setrrcrnen. l0l9 Conrpan) subrrri ed ! dehiicd repi)r to SlBl ootrces No. i lo -t and 8 io t0. t.u her. Compan\ also

) RegulatloIs. 20]lJ on beirflll.ol.MAFlL and SC

16

Dolicc\ No. I lo -l and U ro t0

20ll seeknrg infornrarion in relalion to rhedated Februaryl, 20t:. Ihe SEBI sou!hr

I hearing granred to the tssuer by iF.ised the lssuer ro srrictl! lollow the e\tanr

cenlllcation ol purit) ot gotd. conduct ofof loan anounr in cash. comptiance ot

ol internal procedure and conduct. anJ a

lll $rrc n)u!hl. Ihe dctail! ot pcrnissionsplolees lbr dealinq in rhe securities ot rhcre and conduca and ..code of corporare

ro each ofrhe queries vidc tener datedion of thc code of inrernat procedure and

h Sl Bl dir(rri\e\ Thr SIBt Jt$ louuhr$inJo$ lor rhe nrriod Jrnrrr) t. 20t2 rulhis rcgard $cre atso soughr. F.unher. copies

c sith SEal Rcgutarions and provided

tive profir for lhe quarrer ended N4arch I t.

blcrvcd rhal in the boart rrlcerlng hc (t on

an) has respondcd to rhcsc qucries b\ jcller

ccmenl was made ro thc rnarket on MarchCompan\ alrd rhe dctails ot.the servjces

these r\pccrcd krsse! during ils rc!ie$ tbrarch 20lj and disctosing rhe persons who

leading to rhe officiat announcement onit lvas flerely seeking consutrancy fi.om

dared January t6. 20ta. howcver no dara

rnl (EAD) vide lj^l)-l nolice dated Ma\W l,i l1577rl,20t9) issued Shor Cause

ikrishnan. Sachin AgaNat. Anrbir Capjtalnder SEBI (Prohibirion ollnsider Tradnr!rdins Iradillg) Rrgutations. 10t5. Ctaus:Contracl I{cgularion Acr. t956. Secrion

with rcspeci to when Company couldthc nanres and addresses of the pcrson!,

isclosure ot unpubtishcd pricc sensilive

Bl (l,krribirion ot l,raudutefr and Uni:riras more specificaitr provided in rhe SCN.Jrscrosure or unpublishcd prih 20. l0ll and had dirccled C,

i\'c alleged vlotatn)fs nrenrioned rrr thcappiicalion !!hich \yas accepted b) SEllt.all the violalions a egcd againsl MAFIL

ubmitred a se lement appticar;on on Jul!l\change aoard ot tnrjia (Sentcment

.1.

5.

re(ro,. hd\ rec(it(d J .l,ou .aL.< r,or,(e u ' N,\!n'Fe' 15. 'rr j r,r ! ,,,dr 'r .,

:,ul rh(Sl Bl {SuDnJnrirl A!q,I'rr.oIul'\l'a-('dr)q l.rlc,tr(r)R.jLlrr."i,s r'''|ll.dra.lurn'd'r '.1 ,lrJr(',nhirro\\ilirilrrJ.fr'iu.,lhd,i,liri.J\lLr lJ'h\l(Lrr.i

Shailcsh Mehla. our

regulation5 7( l) and

has responded to thi5 olr causc noricc ol l)ccembcr .l. l0l l arrd in the pFrsonal hcarirs on lanu f\ 8.

l0ll. lhe adiudicati orli!cr rgr((l lo t.rfrir \irr (\, \l.lrll rn rtrl.of\.fr friu.fLlrfti \lrr r!rll). l0l1 Lfr f t.(l 1r. i(liu,li.llr|!r nlll!.r .l lri\ lrrl(rti(,rr 11, .r\.Ll! rlrr .t"('1Mehta has on Janua

proceedings.

lclrruir) 19.l0ll. i(r

V. l'.. Nlulhu Uhask

Sankaranarayan) werc

tr:ding policies. coplrlre Compan) by M. A

St Bl has !ide irs ils dated March 5. l0l.l afd N4uruh ll. l0fi r.!{csrcd lirr ce irrn irlb n.rrion

rclaling lo Nlanafpu A{o lrrni L i!lrtrl f!- rr\ hrrrL i!.t,Lrfr \rr(.rl]u,r(\ l(,| (rrr(ih( L l(rL L(1

iled llfancial \larc,I.nrs li)r lYl(rlLllrandclarillcalion\r.lo$htlh.rScnn,ir. K..S. Sudhi\h. Sarada Sunl'arirnrm)af ($ilc oll indepcnd.nr dirccror A lt

designated as cnlployees or dcpenden6 lbr lhe pur#se ol lhc Corrrpan! s inlidcr

fthe resignarion ofAlhulya Suresh. inlbrnrarion relaling ro rhe rransler ol shares or

ndan and whcn rhe Company was inibrmcd ol rhis. fhe (lonrpxrry has respondrd r(r

SI'lll s rnralli ollf rncial \lalcrrr!nts li

trt'.t0lJ..IJVdr!ht1.:1,'lprr.'rd.rrrrlrrharl{Lcor.rnr.I.r'JIr.J,idd,r{lr.,lrh(1(\.,,,r t.,\',,J.'(rr',:1.,1, '., \.r,,.1) r \.lrr'l' l.,rJJ \' \. rlar r" I

V P.. Murhu lllrril'ar. K.s. srLlhi\h nIU f.r Ll.s grrarc! cnrPlo\..' lin rh. f!rr1l'r'c ol

llu eodc ol (o,rduct

Co pan) ol rh. !al.il. Saradr Srrk.rnfu a)rn i\ l dr|.rd.rrr xId rhnr f1 ,\rrrrrdrr hrl rl(! .!l rh'

irs sharus o Scplonrb.r 6. l0l-r.

SEal his h) rls lerlFr daled Mir\ i0. l0l4 observed lhal lrrere navc Peen uera\s rrr Prtrc(srrrrs ('r

,<rureriJlr'.fl,or,.q,,1.'r..,ri,"".r.,.,rr1-Jrluirr' .l!l'r\'l'rr \''r'rr'r 'r' I'js!'n.d\htllljc.lliljcal.s.'|.lr.Aeqr]il!llx'jjil\l|!l].nl'c.lJl.!1,!'rl.]ll]llllc.llil..llll.llll]i.].11\s.]'onitclouilolnorr-rr\rilnbilil)ol\rrrorr.\\fr(lr.rel.\rrLJ.r.rrLrr'i"uLn"$r\Lrr\rr''f)irlLr'lanrl there wcre dctals in collccliur ol lhe origin!l derlr r.gisle, lloirrh.olljefol thercgr-Lr.rrrrdtrdr'i(r

alcnr. as lorrecrve rl,eas,rres. rrrc a(qurrer hrs proposed allotnlcnt of debent res in ph)sicfll and denrir

fonn, aer,rnann.: a 'fniot,nrnug.l" r. co_ordinalc witlr the rcSislrar and liansfir agenl and cns ring lhirl

rutll.renr .opre. ofrh{ drar( ((nrficar<. arr d\ ailahlr $ irl rh( r(ernrrr dnd Irarr'l<r 'rgtnr'

sHI has rs,u.d " noii(( dar.d AulusL r,. ]rll urrd.r sccr(rrr I 01 rh. St:Bt (t,roc.dLr. tin lloLdr-q trrttLr )

rnd lflpoeirlll Penallies b) AdJudrcdrrng Otllcer) Rules l995 lo our [4anaging Dirccror and Chicl

lxeculive Otficer. V. P. Nandakumar. our Direclors l. Llnnikrishnan B' N' Raveendra Bahu and otrr

Conrpa,rr Sccarary. {rjcsh Kunur. I rhrs nori.c SEBl has obseNed lhar thc RBI issucd a prcss rolersJ on

r,,bra^tl0llslallntlhulourConrFl\cirfnolrcceplorrtre$pblicdq[)silsOnIcbltrar!]l0lllh'0".. oi.,, corprJli,serrp dellinrd h\ ogioa liom th' prc!inrs rrqdins da) lhe NSll suspccred

insrder tra.lin: br ccrlain efrrlres $h,, \,,1d rh(ir sharc\ pr i(n' ro rh' Rlll prc6s relca!' l:unhcr' of lr'llrLirr\

:. :or: rhc |rirrnc'ar[esults lbr rht rhr(u frflhs perhd cndcd l)eccnrb'rtrl']0ll$asannounc'ddnl xrr

inlcrimrll!idendwasdeLlar€d,lnac(ordancewilhlhesl]Bl(l,l1)hibitionoflnsiderl.rading)Rcgulaljo|s'tqot dec taralion ot tthancral r(sutrs anJ d,vrdends are price sensiri!c inibrnlalion and the trading lvindo$ ii

to bc cloled durrnq Ihis period Alrhou!h. lh0 trading !vindo$ was clo6ed tiom Januarv l7 l0l2 lo

lebruar\].]01]oUrConrpdn}Ilajlail(dro!.,n1pl).Iilhrlrer!lcvnntstiBlRegUlaiionswhichrcquitelhtllrr'r rrr,-rlnr *rn,]os io r,r clo,e,l r,,r.r lrr ,,! uI ro lr hru' xr'rcr rhc collNar' rnnourccrrrenr on rhr\'

3,orn,t'. irut r,* ,{u.,i a,,,r,.. r,, 'r,'\\ (,Lra. as 1o $li\ 'rr nql|ir\ \horrld rror l'e hcld 'rsitinsr rhc'r 1'r

;iolation ol tlrc St'Bl (l']rohibirl(nl ol ln\iilcr lrading) l('eul'ir(rrs lq()l ^r

id!rrricr 'lr()$ !xr\r r1'rr"

dar.JAu.rusro.l0tihasalsub<cri\\u(Jrut'ur Conrpurr) \\'hidb'unp'o\id'J$irhal"rtr)Jol llJr\',o,.'0o,,",1. W. tr,,] ,.plied ro sl-lll b) our I'irrer Jdred \tprumber l' l0ll r(qucsrirr'! lor p(nrrr\!oI rr'!

undenrke rn'pecrion ot all docun,errl' dnd re. ord' r\ J'lable $ rlh \l Rl in relaliorr lo lhc 'ho$ crusc nori"

Or a re\i($ ol th( dpcur ,(nl'. h( h.\< filrd i .on'(rrr dppli'JIiorr dol(J \P!(nrh(r lq l0lr dlonB $ r'r 'rrr

,." i*r.on a.rr"J Nt]rernb(' r). l"ll li'r !"lrrrtarr'' r'l 'lJl'r' ln ' r "ri'drr rnrl( rrr'rr \' rr't\\ 'r ""'l;; "',"""...,".i"'",,,,' d .. r,!1r(, ", .,,..',..reR\$'' iJ' ! "n'{r nrn \\(

(i

hrr\c aln) rc.lUcn.t th. St II t lerrai (.onrnrilrc! and rhe Ilscul.lrcnl xnrouri corrnrcnsurat! $ilh lhr nrlrirs ot thc carsanrc

i! l [] an,r firrrt lcll.n.nr ol irt] fRrcccdrn.Ls arilinrl\Vl) Ia\. r(c\.r!(J ( t..,ra.nl , dc. d.rh.d \LntLrnDer ti.

AU!tr9 a'. lU l5 $a\ \\ued t,, th( JpotiLdnt, rL(.rin! that th.nl p<1id lh. scl crienr anro|nl

sl: il I

\ P\vil. lrs llrlrcr \to. SRO,KLo I)MU OW,CtS/29

Rcgu

.1..^ rr r ,{:lr ,r .,r,r..r1, i t.(,1.r r,,r,j t,t,.r,.,-, r\. ,,i .i((,"r' ,. ,.,rr, :rL\,, |1. rL'r..t,r,r r,cr, , Jr.o, Jlll-:r.,rr,.rj ,,, t,,.,u r.ri.1,L . \.ut. iur ,,t rt r prot r\

nons. 1999 and SEIIt Acr. As per rhe abovemenrionedroceipl of conrplajnts by Sfllt under CIS reeutati(repli on Ocrober 16. l0tj sccking nrcrc rirneio prcrnrar prc\ id.d lhc drraitld rcni\ abn! $ irh retevanornhcr.1. l0t5 r\ v,U!hl h\ \t,Bt \idc irs tcflcr d.pl) SllUl rjde tt! t.Ier No.Sl{O Kt.O DMl,.Uwehrilicirriur and inli, r)alion hir\cd on rhc docunrcrcfh,,,r \4a\ 0i. j0'ornd Vd\ 71,.:U,0dt,, c$rr!( ncd on lfc rct,\ p"o\ idcd h\ V- V p. \d,rd;lun

ll hns pur\Ulnt to its tc(cr dlred ALlUsl t7. :0l] so

'.li:':.'"r"*" d cd |ebru rr 6. lOn in respecr (MAI ll or b) Nlarrappuranr A!n) tjanns is an offen,d 1o provide details otthe correspondence berwcenp managerrlent had anl, rciationship sith certain

'd lo c.rcl, ouen rdi,(J in rl.( io,,\( r1(r,tr.n..J terrer.r(xrrn hJ\ hr(n r(cr\cd korn \t llr

' has bccn nrade panl ro severat consrmc. cases whi(jr .di\purr

rrdr.ssrt tnnrnr. thesc cases have been

provid

lhc Sl,lh. RII

ol its

h. ( 0nsu m cr t)i\pIlcs

l( n., \ t,' nlrrrrr,u\ t i!rt .Jit\ uhich arc pcndinu b(

: :,]] ll,*. ,l , ,"". ,,,, rnd. ir cr,,.rin .rhc ad;,io

I lx norhLc,lrd !ood\ a;d n",*i".,".,:1,,.;;;,.,..,r.lrrllllc r,! il,,D aLrdroniIs rh. gord or seiznrg rher':r r,rr1,rr.\r "r.jrrr..,,,,h1.r...r rr|r rrr-.,rr. iorn' 0c(n trlcd \) enrptuifu. i (riI! rhJl rh(tr,(^ r( e5

,nrd trcspns5 th( p(litidrers jn such eas.s havc atso

;:1,1,,, ". : .r ri.rJ,'.,\.T,Ir,,r!h<rir..\Jfi

on Aug!sr j0. 20 t8 has d"rermi,ca rtai anfpena

18

civil litigalk s aga,rst tlr_

r "$ercu n urt\ur\ C^r)rfltrce ro rrfile at .and halc e\prcssed oL[ $i ingfess to pa\ th!oul o, lhc nolier. I hc Conrnirn]. direclor\ and015 iJr respecl ol rhc shotr causr iorice dntcdviolared rhe provisionr ot.rhe code ol.conducl

2015 daled Oclober t9. :0t5 to Mr\ oi MJ JfpUram \sro tarms ( MAGRO ).rnr d(rail\ arDuns orher panrcuta6 under rhrons olSliBl (CoJlccrjvc Invcnment SchenrcstSEBI letter. the intbrnrati{rn soughl tras basedrs. Mr. V.P Nanadikunr,rr had pro\rded Jnijc rhe J,,cuDr(nr! .oLrhr br SEItI Mr \ t,supponins doc!nrenrs on Novc,nber:5. 20 t5

Oclobcr 19. l0t5 ln cofrinration io thcP12016,,116851 daled [,tay ]. 20t6 soushtrls prcvjded eartier Mr V p. Nandatunrarrelevanr/supponing docunrenrs and SEBI has

hr rnli,nnarr.I tron) M AftL srrh re5D<.r roMAIIL stJtrn! rtror ,cc"pr.rni. ofacno,,r.punishable Birh inprisonmcnr. MAFIL hadRBI and lo clarit,y !rhethcr MAFIL or anrons mentioned in rhe tener. MAFTL ha.sits lexcrdated Augun 27.20t2. No funher

are now pendin-a bctbrc various disrricl aidled based on a cgations of deficiot inrproper prncc\r<\ t'or cunducrinp'rtren! rer\ hr:h intrree rdre\ on loan,

,re various couns in ditTerenr stales. Thek,ofimproper proccsses tbr conducting gotdrres on loans. Ihc pcriiio*^ r,"* i"',r,ypothccared vchictes tn cases wtrere iheto bc illcgat and loid and tbr return otrhr

ve been wrongfirlt) ternrjnared.

rts in diUerenl slates. Ihese cases haveng non pa) renr ot rcnl. enhancenrenr oflainred danrages and nrcsrrc protjrs As ot.

cou|ls. lhe debentLre comnrittee ol.our

i. Cn it Suits

,ur ( (rnD, \ h1! h,,,-,

subsidiaries. group conrpanies ol rhe

malerial pending c ivil liriSations again

$hcr. lhc rrrtrrfl c\lccds l{\ lli) indi\ iduall\

LOur Company has been made pafty

cases have been tiled bY c

conrDensrtion lor dcllcicncv in s.

4. A few of our enrployees have Uled

relile to non-payment of minimum

a tew cases llhich arc pending bclbrctbr reduction in lhc auclion anr)unl

and rclum ol p rdlrd g.od\.

Ihr l) s lrrc l L.

ies against tlre Cornpany belbre various labour conlnlissn)ners and inspectors \rhichr-lres or ovenime wages claims tbr arrcars olsalart. Fncashnrcnt ol lcavc- rcliind ol

Conpitn\ h;t\ he.. frrd. r prtr\ lo !$.s h) iu.fc\ rfl)ojrrr.J \..ur r\ !r!rd\ h.to (n1d olliccr. slri(h relrl( 1. rrof frtnr.fl ol ririrrrrrgc. ()!r (orrf,tr\ risb!.,1r[riL)roj rl]. l,r\f(fr.l (; rL!rt \il q.l ,rrJrh.,rl.\rt.(!rJ. .L.r S..1,1,. S

or'1h. i\] nifrr fr \\,r,r.\ .\!1. L,) lS ir . .rr t)ir r,r th. iiL .Lnr r! tll I r. .L rf..L .r. r\

against tlre Cornpany belbre various labour conlnlissn)ners and inspectors \rhichor o!en,ne $d!e.. cla rn' lbr irrl.rl or .i1.,,\ lrn.a.hn'cnr ol '(J\... ,cr'n,J '

Rulc l9(5)itrl Scclion lltll). I.tULe ll

5 \\'. ha\. Lr!.f n.dc r flrr\ ro ccrra

\lrl.r ixl ( i\ il ( rtcs in it ix b) Our ( oDrp.r'r\

2.Our Compan) has filed a special leave

India chrllcnging thc conrnron finalj

salar) deduclcd or rc inslat!nrenl. O

Iligh Coun ol Kcrala uphrld lhc o

varioos lnbour comrnissione15. couris

madc a o!n\ ro cas.! in r.l.rlon Io vi

challeniting thc arbilrali(nr a$ardr orr

placc ol arbirLallof and rh. rLairrs

iustice wilhour lhc oppol1unil\ ro bc

Coun of Kljrala. our Conrpan\ had

Commissioner ol Corrmercial'l_a\cs.

L.endcrs Act. i9.16. as arrcndcd lioDr

Conrpan) lcll $illrill rhl: r crnirg ol

proccedrn!' llled b\ pe^on..r!flrnn qho'r arh,t14rion fl$ards hJ\c ne(n d.r*.11r procced,n!\ rlled b\ pe^on..,!n,nn qho,r "*,,J,'* "-".. t,," ".", ,] .. ,

rhc tsro nds ol lnrproper \enrc.( o r,'r((o, lI( dtt,,inr,'(trr ,'lrh( dhirrar,lr rluldo(ur('nr. r(l,cJ,{r l\ rl'u ( r,rp.I'} ., d l,i t,,l l,or',.1 lh( trr,(rtr(.,'r '+r"', I

l.Our Cornpanr' has iniriared 57 civil c agxinn lhc o$rrers olthe l.a\cd pr0nriscr in which our Corrrpaf\'s branche\ rr.locarcd. Ih.sc c.rc\ ha\. b.rr Il !d lbr oblaining ifiurcliont as ln\t osrrcr\ ol lhc branch prcmiscs k) pru.nl lirrcjirlc!ict of and lo.n\uru t.xr.lirl iof ol lhc trcnri\.\ li,r .(!nf.rr\uliof rnd .rco\.r\ ol ad\irnc. \rbrl'ill((l

^r or rh.

cars pcr if! l..ri,!. \Ii,,!' ((,u11'dale ol rh s DLc osurc I)ocun!f1.

peririon (Civil) bearing relirence numbcr 15045 o1 2009 betbre rhe Suprcnrc Coun ol'

with such writ peririon. lhe S

filed d wnr pelil'on belor( lhe lliBh Co,rn ot Keralu cl,dll(ngtns ll,c order fl'll,.Kerala. whi.l, drrr\l'orrr Comn,rn\ I,, n','iJ(r rrndcr lhe pro!isinn\ or K.rdla Y'rn.'rrnL ro li,r'r ' '}'\'11 A', L( ',r'il( i.r,r.( ,lrl\ I'r.,ll',i'.r ol KJrJ.., 1,.'lJIl,[r.,,r_moncl lendca irs dclilcd urrJ.r lhc KMI A (\ u p!al. llr. di!isrur bcnch ol lh!

ol rhc srngle iodg. dal.d l:clrnrrr\ l{. 1001. and disnrisscd rll Lrppcnls irr cofn.!riorr

Coufi of lndia has adnrined the alorelaid spccial ltave pttiliorr and pursuarrl (o lrr

rhe operation ol the impugned ordcr ol-ihc divisip bench ol-thc Iligh Colrn ol'

hy its order dalcd Jul) .l.20ll ordcred thal thc stay grar)red carlier would cohrlrr!.

and order dated Novcmbcr 18. 1009 passed b) the division bcnch ol lhc llish

pccial leave pelilron lvas listed ibr linal argurnenls or February l2.20lU bul $as f.1

not to take any coercive action pending disposal ol the wri! petiiion. The nl4ltcr is

order dated Decenrber 16. 1009

I our Corrrpan\ hrs lll.d a \ri( pcrlr(nr

L-cnders darcd \4a\ 8. l0ll and lhe

shich stipulale lhal our Conrpany t-a

Kerala. furth0r. thc Sup.erre Court h

unril lhe pcndcnc) ol the nratter.'lhc

takcn up. Ihc nc\t dale i! r$ail.d.

Prohibition oI llxorbira r lntereil A

lev\ing 0rotuitant nreresl rates. lhe18597/2012. direcrcd the

Pending.

b.tarr the Kanrirrakr ll Sh ( (nrrl ag.rin'l lhr orior ol lhc l)cful\ l{cer(rrrrr ol Mo,r(\

o or ol'rhc la.gi\Ilrrr ol ( o-opcr lr\c Socict\ N]onc) Lcrrdcrs (litlc(l N1 ] I 1. ll) lls within rhe pur!ie$ ol thc Karrralaka ]\4onc) Lenders Acl- l96l and l[e Karnalak.t

t.2004 and lhal crinrinal procced rgr shoud be inili redagainsr otrr ('orrPirf\ lirr

Karnaraka High Coud has b) irs ordcr daled June ll. l0l2 in thc civil writ peririon

l9

orr Company has fitedMunicip l Colporarion

L wrn petnion bcaring No. 17 t68 of20t4 on Juty 4,2requirins our Compan) ro obrain a licensc under rhc{llrDS r $r l ()t nl nnt dtel r i! thrt lh. hu\ir.5\ ol J\lIcing toars agac or'lhc r(lc\i[]l noIlltuIiur n) l\ ro r.nd(r il ti,ht

nol lal $ilhiI lhr sc

O!r Conrfnn) has rjtcd writ pctition bearing No. Wp(C) No. t4217/14 beb.ils C No. 8l hO 1.1 dar.d Decenrber t-1. 20lt (-Ordcr..) passed\\ irs ll ll ) \ct(ne (.. Pondrnl ) \c.l,i ! !ua\lr n! ot lhe inrt)uqned$rr o1 (.iior,I rrc] ng soch olh$ orler as lhe co|n mn\ de!,nr Ul. intCorrpi,r\ r drhe potic. has bccf lircctcd lo rrircndcr c$cts i ils cuslod! to

I petilion bearing No. Wt) t.l8t t5Conlrollcr ol Weights and l\4easures

heli)re th. llig

b) rhe Aothorig rhe applicabi,ir! of circul.r issucdll havins c,! tle ot I nrg I he rraricr

\ rir n.lit or h.xfrr! No l.t6r. 1l) 6 bci.orc rhering No. CO j0 Cl_lvt 20t6 dated March 2t,:0t6KarnahLa dirccting lhe pctirioier to slop thc aucl

mber \i. ir,6dr.,rr\\rn!,rhe$r. \n apncJt bean

rit pclition bearing No.3l358t:016 belbre the Kdrnar.^(elir,u tur qua.tril.:ot'rtje,rd(r b\ rtrc drrthoflt\\ Ld. h.er r,ra,,l(J th. nrir.(. .. pcJrJrnj

il petirion bearing No 1982.1,1016 her.orc the A ahard l$o olh.rs lcekir)g bcl.orc lhe (.oun ro declare

IS as securit! r!itI nol coDre rndcr thc anrbit andd(nr bern:r l,eor;a \d,r.rr parrka hds no durhoflr) r,irnher pm)ed tbr qrashing the norjces issred bv th

l0 1)!r (t.mfan) hrs Jjtcd a $:016 r!rIrn ltr. St.lc ot.tl..rrr,,r!ri,rst lh! pt.dx! o

.tn. Pradcsh and l$o oth.rs seel(ir$o dh.rs seeljnr bclorc rhe CounSold onranr.nrs rs \.curil\ \iil nol conre nder rh,

l pelitlon bearing Writ pcrilion No.:1.t8:6 20 t6

th( rhi,Llr(\pond.nr bcir." Bhrdohi Nrg pxtikn has\lr ri.i,xl l\ \.1 ()t6r

80

rirt to denrand or lev] ticense i.ee

l4 challenginS lhe notices issuerl by Kola-mpro!isions ot Kcrata Municlpatitier Acr andnll l] .d!c ol gokionlln.nls.s socLrrih docs

lor payrnlrnr oI ticensc tees. The mart€r is

lhe Madras lli-h Coln asairn thc ontt,fthe lnspecror of potice, Econonric Oftancesand issu. direction ro rh( respondcnt vide airr sta) has been granied if lirvorr ot ouro0rt lhc nratrer i! prndirrg

Coun olJudicaturc ar llonrba). againsl thelarashtra. Inspeclor of Lcgal Mereorolog!rn respecr of use the eteclronic weighing

is awaitcd lbr tisrin!

ataka Iligh Coun on Aprit :3. 20t6 rhrd b)- rhe r.cond rcspondenr additional

proceedings.'Ihc Kanralala High Courtwril appcal No. 5 t,t 120t6 has been Uted

e maner is at the stage ol.hearing and is

High Courron.tunc ll. l0t6 againsr rhcelling rhe exernption sranled in lhvour

lligh Courl on Oclober 7.2016 asainsrrhe brsincss oradvancing ro,n. ulurn,r

) ofSection 298 otUp Municipatny ect.demand or lev! ticense fee againsl our

respondenl. The malrer is pending ibr

e rhe Allahabad lti-qh CoUn on October 7.lo declare rhat the business of advancing

I ambir and rcope of sccrion 29s ot Ui

pcldins Lr adrlr is(Dpcldins Lr adrlr is(D

Our Companl has tiled a wril pelition bearing wril I'etition No. :18180'16 bclbre lhc Kcral4 lligh Coun on No!unrhcr

2016againstlhcl.andRcvcnueCom isrioner and olheN lrclirlg rh. ('ourl loir\!rr*rirolcenl(narioran\orhcr\tdirecrion for quashing rlrc orders passed b) lhc Dinricl Rcgirrrar anl l.r il lL.\.f1. conmrisslorrcr li)r inrfoundir:r

l.Our Companl has tiled a wril pelition bearing wril I'etition No. :18180'16 bclbre lhc Kcral4 lligh Coun on No!unr

2016againstlhcl.andRcvcnueCom isrioner and olheN lrclirlg rh. ('ourl loir\!rr*rirolcenl(narioran\orhcr\tirdireclion for quashing rlrc orders passed b) lhc Dinricl Rcgirlrar anl l.r il lL.\.rru. conmrisslorrcr li)r inrfoundi

10.

rh.

Kcrala Sranrp Acl !vithoul imposirion olt any ,nnher slarrrp dutl l hc nlatler is al lhe slage of +rnissron.

n.

ri

H

againsr rhe Srare of Karn

KJrn0raka leBdl Merrorouy ri rrlorc(rrerrrr , \'"(r'Jrrr(',r, B'.r(' ]t' I nr- rurrl \irhI JrrLJ J.rIu'"\ ': Fr'lr'bcarins No l'Csl8l Itst :0llr (Cdlurre Nor,ricrri,,', J,,rr.r l-.{'l irrlr'r r(r'rrJrnl {< or I rnr ac.uri(\ $<rtl ir'!de\rce.. a' unla$rll and l'abll Io h( nrLrck do$, l'r''r1(r n,rr I ,rr,l.,r. .rl-' nr.,\.'f h(t, rr rlr C'Jn r" luFf'r\Lcon\equenrral norice' under rtle nnrificarron...u<J l\ lrFpL(r,'r.'r l.l.,l vLIr"ro[\ lr('rrrrr( F n.'dirl 'r

en)nloyeei rl nol uoluntarily p{ovrded. lher( can be no insistence lhat lhe minimum wages will be paid throudh lhc

bank accounls or (hrough lhe systcn olthe Depanmenl. Whilc d.claring sub-rule (l) of Stclior) llA ol lh!

.rnrcnded Rulc!o1 19581obt!llrr\irc\lollrcnitrLrr..1lr.ur!r rfr.rr(irrr'f1' r I !|lr'lJ

darcd 09.081016. on all oiher aspccls olh.r lhan slrikins

covernmenr in rhe said noliljcation lbr rcrson ol it bcii-! bevond llre conlpel.nce ofthe state (lovernm.nl und.r I rc

Mifinrunr Wagcs Acl.

V.P.Nandakunrar.MDAndCEOinth.pasl.hrdbern\urrrrrrcf'db\lhclnlirrccnr'rll)ircckrnrr\cclrf!intbnnalion iD relalion lo lhc Manappuranr gtrNp. v. P Nindakunrar' lhrough Narious lcllcls htrd pro!idrd rh'

inrbnutionsoui]hlandhadalsoappcaledillpe60l]b.lbl.lhel,IIolccll]enll)ircclolal.lnlcspc!loltlllr\rlne.l.he oticials oflhe i.nlbrcenrenr Direcnmlc ha!e oftll) inlinraled v I' NandnlLrnlar lhal the ptuccrdinls irrt

j. Compounding applicalions urrder lhc ( ompxoics \(r. 1956

I.hccolrrpanyl.ailedlomak+enlrieSinthcrc!i(clol'conrpan)lrr.inlxilrcdundcrrcclion](llll)ilnl(]lolll].Conrnr,i.,ALllq<r'lurlhrL,rlrd.r'(nr.1rr$rrrj\1 V.u'nl rr''r''"III htt'' l'\r l''l ll'J" r'lr'rr" l"lapprrcarron berorc rrre negiofrar Di,.cror. \,{,th(' I Rcri^n. M('A c*"" "'9516g blr^ or r 'rnpa|ic' ^'rr,/)6.(ekintslo,npou,tdinsof rhu'Jrdofl.n.c ,, 6ru-\iA

Our Company has filed a wrij petilion bearin! No. Ulli l0l7 bciore rhe Ktrdl.l lfilh ( nrtr

asainn lhc Stale reoresentcd br secrelar! to rh(:ror!rnrrrunl ol Ktrild frJvitr! h+n'r( lhc

xmlndnrcnl lo lhc Kcmlr Nlln

llighCo!fl on nril 10. l0l8

as ol nolv withoul th. accounl nunrber

Acr 196(r rs uhrr\r.\ xrrl lin (ru.jhin! o1 llrc \irnlc ll)xl lh. (cr

I

1,.

rhe \lanlgiirg I)irecror L)cir! r1r. prcfricl(JrorLr s. r\.lanappumm.rir l.und Q) pvr l.rd has rirrcd,odrscro\;rhcnxrurc ot hi! conccln o'| i'|lr'resr I rhc boirr n,c.rirss,,ri;".",,p""' ;;;.".;:.;, "".,"u rhe provision or!.crion:ir() (jl rh. (.o nrr, .\ ,\.. lejr) Ih.Conpar!,_",r,,.,,,,",,t"iu,",i"li"-r,"r", ,n..n.,,,*,,lt(r(ir \t( \(.1,(n,r.rl.r \..1,(,n6-,1.\t,t ( o",n", ., n". , ,,,, .".,i,", ;;,;. , ,r.:, ,,," ,",U

" .,0r..

r' r(r!ron'rr r)rtu!l(r' \orlrr'rrr I(e!i('rr. !r.nrrrr ! (r! jr\ o cr drrrr rlir\ r0. :0ll conrporndcd lhe abo!cnr.rror.!l('rlcnlejlnt..\.cl (jr jo rtr,r.rtr,rr rrr ,r t,!rh\ arr r.. -,." _

,Il0rrInrrntion ot'dircctors (d r ring thc currrnt \enr rnd hsr lhrcc titrancint]cxrs)r

l).rr l\ (il fcrfLUroil of fir(i 1o rh! (\eculjrr r. rl,r.L,,(i, trr, ,i.!r\.,r tr.(i\:

\' rrrr(l rror '\!curr\c tlircclors Jurit! lh' c!rrcnr )..r and lbr lh. tnsr

i)(trrl\ ,il r.rnL ro.|l t'1l fr rl llj .\..r]ti\. I.!,r.fL n( k\t)

if i fr'rr '\"trl \r dirccloN (lrrifg lhc ilnrncr.l )errr l0t9-t0 (ibr rhe

st

^"1lL

of Direclor Silting Fees Salnrie! & TotalRoard C(,mmittcc

ns.;.sb.oO.ooOf n,;LsO.oonooRs.l.0s 0s aoo l a" - "*

I lllr.ll \ Rirt..[dr.r Birh! lt, \il Rs ll 00 00.000;l.d,;ii.H^ , 't \r' r('rn8n8J'i{'. -',''.^,1*. ,"r'li..I',il.];!:;::,.,,..ri:..:,;,,:..'t,,,Uffi

v. r, v ,_".r. ,,,, , _.,,;;ii;l.."ilil lll ;.;1..,01 n.,.,,^,,| \, .,'.,,.,r,,,.1i(. *..,"*";.i;,;;;r Li I:illlop. R

'{os.ool' \', ,.,,., ,{.i\ \,, ..,, rrr J R'sqrtu0

)l;, R.'r.ji.ni,o, n..;o..otu,ol

:, ll lilll,ll,',,'' "', .;.lllil],,.,,liil ifl' ".-,,r-r,-rT,;;,,+!rj \r \hxi.\1,.r \1.h,,i . ,ll+ illr :'r;tl i<'':sl ro1' *"i-',+*ll

+-s+l",,-*li]'t \jlNit,

\ ,\r ''r ' J \"''l

|" Il**il4srt --LR.l4tAlo lv'.rnirii,"nr,r,*,irrlro:hm,rr.ffiI'o1v'rex,frye,.rs--1 -\ ",,, ..{,,, iffir, \on-1.\cctrli\ c tlircctor' l)cQis(d t)irL(tor\ \onr in.r t)ircck)r

l)clai,s ol l.t{,m xnrrrrion pri{t tu t.t\rLrilir. ,td nr)n_l_\c(xtir c t)irr(tor\ during lhc l.in?rn.xl \ ur :0 *,19t, I Nd m( nr l)ir rcr,,r \, i,\o i ,*;; i,l"T=* I s,t-i".:t ;tr';. I conimission I ror,

' ",,;

, ,".,, ," i, ,".,,,,. ^ '* l !l6tl1i r..!@0] Irr;8]\1, J,. Jr,t ( Jr,l.. rx,.or,,l t0(nro

.

\J\ \ l{ ,r. ,r:Liir4r.i, t,iOO,,n 'rr 'r)0utr00l ll8u00lr rv,pvan;;dhi=nan l- ,;;:;:].--j*9|--- -fL ::oouoof lrr:ooo.lll lM,

P vanon,Ehrnan l-,-rroo#2500000r -rriono-' , \.4r \h.r.lesh rMehri ,"-,,^ r "', ::OOr-rOO] -,r:OOuOOi

,i \rr v R t(rii\.tr |rrit0o, :'" 1"" Nrr rSOOjgq[rS:O0OO

dr#{+*+= r-$-,i .tUt--r+

Commission Toralror.a I C,rnmit6?-1701597 40000000 t2i70{J97

82

l.

l)crrils ot Rc unernlioD paid I \ru,,h\u.,r{lrru l \(iuri\rl)rr',r,'r. luri,,'rI fi'rnllcirl \car 2017-18

st sitli rg Fecs Salaries & other Commission Tolr I

l]0ard Cornmiltec

Ur VPNardrllf tl \rl \i tl86 t:-1, ll:r)0ixr0 llil6l N1l'.ll \ l{.r\.urdrr ll,rbu NL \l ll I

Non'Ereculivc Direcl(n's

Mr.la-qdish C.tpoor 1it)l)00 r60000 Nit +000000 -r.1.1 D!ll

l Ad!.V.R.ltal achandran 280000 75000 \l :000000 ll] 000

Mr.E.A.Kshnsagar N \i Ni \it Ntl

100

\il

,] Nlr.l,.Nlanomohanan 180000 .lll000l)

\

\\\\

1000000

t(x)(lil0ll0

176

t(rtI1r Shir l.sh I Nlchrir I ll)1)0t)

Mr v R Rrji\cn lt00r)0 1000000

NiL

titt\it

ll I1t0(]Lr I.ti000 \i 1000000 tl

Drrril\ ol'lLc runcr.tiorr plr (o Il\cculi\. rnd non h\.tuli\.1)rr(.1,)r\ (luring I ( t'iriI(irl\err ll)16 1'

SI

No

Sitling Fees lo

,ji I

)r)t.lI Mr.V.P.Nandalunlar Nr \it i6?06-17 1i000u00 ll tll Mr.B N.Raveendra Babu \it NI r0i t99l i000000 Lri

Non-Execuiivc Directors

l Mr.Jagdish Capoor I10000 160000 .1000000 l1( 0000

\l) r

l Ad! V R R.tnrachandrttn I10001r\i

llr000 \

s00|11)

\t

100001-ruir

lMr E A.Kshir\agar

.1 N1..1) Nfurorrxnrl r!rr I101[)1r

Mr Shiile!h J Mchla t.10000

Mr v.l{.Rrii\en t00000 i l)()|1) . \ t)0r)0

\iti

irlcl\

1 Nil

.t t0r)llr)

\il l000ir i

N

l\

.lurins th. lJ\r t rr(. llfrfrirl \.ir! rL.J .lMrr.r .n.l.,lcurr llfpL.xl!n l.1r.r ir! u,li r! $ rh .!Jtl (i) orr

F (pan ol lif rcialsl

llcrliorr\ or a.l\( '. r.f,irr[\ .l rr(lrrtf\ ir rl]. r\1 l

ri!rt. t)hr.nr(.1 r)llir .u,rr rlL\l(.nr.rr 1.11. rrr(l 'ol lh! ( orrrl,,Lf\ ,L rh. .tfr.ir \r il!f\ L.r[' r rf\r.',r.t.'.r.,,,

I

\rlli0unxl ll)

nrnr.Ji rcL\ prec.Jing lh

, nlrdr' or sunrrrnr.c\ !r'

!e linancial vcar\ inrmc,'lheir inrpacl on lhe lirI propoicd to bc lirkcf

8

idir

pan) lransaclions enlcrcd

ol privale placement otlis pro!ided Anncrure ll

) ol rcservalrons or qual

g lhc )ear ol-issue ol frts and llnarrcial posilion

\ lbr each ol (he said rcse

sL.I F ina,rcirl Audrl(

\,' \'txrrs Itctrrarli/Qualifi catn]'r Imprct on

Fitrancial

l'inrncial

Corrective Sleps I aken

8l ll>l\'\

ffiR\?,,

sL.

l0 t.t,I 5

:0ti t6

l0 t7- ll]tl

I

I

i:ors-rcI

I

ltrdilors Ilcmrrt\,eunlifi c.(rrn

t.rL,.in3 rtrt r "ar

rr,.,r"G,e r,..,,ieo ra,,riI\rrnL(.,,i l, LLrd ,,r rh( (.,,f,t{n\ h\rnrplo)(c5 shere gotd toan retaredmisappropriarion5 tash havc occurred.

Ourins rhe year thcre-havc L;eer, cemain

l)1 n! rr. \.r rh.r( h.r\. h..ll !( rillf,rr\rrfc.\ of ll,r!d t!r lh. a.o ntjrr\ lr)orlleels ant .rDpk,]ecs $r,*" *"rai,",,related nrisappropriation, I .^t,

bezzlemenrs /burghries have

urins rhe !ear rtrerc hauc feen cerritn15rancc\ ot llruJ (,I rhe CuIrpan! bvI}]L(rs anJ (mpto\tes $h..c

"ot,l't*;lated nisappropriarrcns , c)shfbc//.,nc,I\ h!r!t.r i.\ ha\r

r.l ted Drisrtpmprialiu)\ !ashcnrbcr/lenrcrrls lrurgtllrics hr!c

I)uring rhe ),car thcre tr;ve been cenarr

in\rrn!c\ ui rraud un rhc (.,,nrnrn\ b\,,llircr\ . rrl rIjI,, )r(\ "t",,. ",,t,r t,,,,,

instanccs or'liaud on lhc (.(mpan\ bloJlrc.r\.rrrd.nrpto\ccs

"hcrr !o rt o,hr.larcd ri\.pproprjalil,n\ cash.r'he//l. re|r! bLrrg arics hr\c

69.:l

million)

nrill nr

18.87

Company has fu l provided rbrthcse amounrs in lhe financialslaiements and is in lhe process ofrecovcring these amounts from theenrployees nd rakinc tegataction

corr';ac.ing rt,.:;;;;--t irsLrusincss. lhcre arc inslanccs otccnair inhercnt risks associated \vilhthe business of rhe Conrpan). th.

Rs 16.36(Nel

Rs.21.69

nillion)

Considering rhi natu.e ol rlsbusiness. there are instanccs ofccntiin inherenl risks associated $irhthe busincsr of rhe Conrpany. TheConrpan) has fu ), provid;d tbrlhcs! anrounts in rhe financiatslatenrents and is in the process ofrecovering lhcse amounts tiofi r,reenrployees and taking legataction

Rs. 17.:16

(Net

Its 54.71

nillion)

Rs 6l19m(Net

Rs.10.22

million)

Considering rhe ",r,". "i ir,busnress. lhere are inslances ol.cerrain inherenr sks associated withlhe business ot lhe Company. t.heConrpan) has fu ) provided ibrthese amounts in lhe financialstaternenls and is in rhe proccss orecovcring lhese amounh fron thecmployecs and taknrg tegataction

('onsidcring the narur.c -;i ttsbusincss. rhere arc innances ofcerrain inhercnr risks associared withthe busine(s ot rhe Cornpan) TheCompan) hai tutJy pro\;ded rorlhesc anrounrs in the financiatllalenl.nls and is in thc Dfocess ol.recovcrins rhcsc anx)unls tiom lheenplo)ecs and lakjr{ ie{al acrirnr

Its. 10.04 nri(Ner

Rs i.9T rrriJti

lion lConsiderinalE;rure oa itsof] business. there arc insiances of

cerrain i herenl risks associarcd u iih) lrhe hu\ine55 or rhc Compan). The

Conrnrn\ has lulh nrovrd.d iorrhesc arnounrs in rhc Unancialstalenrcnls nnd is ir lhc process otrccovering rhcse anrounrs tiom theenrployees and raking tegat action.

FinnnciatStatenrrnrs and

Corrccti\c S(cp\ T,ken 0r

o. Detail

bv the

Details

letter inllnc iml

ls of any inquiry . inspecriorts

anr law in rhe last ihree years

in lhc case oiCompany and al

mposed. conrpounding of olte

cu application letter and iln

s ofacrs ol material frauds

Company.

l-rauds reporred to RBI:

or invesrigations iniiirilcdor conducled under Cornpar

immedirtel\ prccedin.{ rhe )car ol issrc oi fri!alc pl

Lofils subsidiaries and il rherc \!erc an\ pros,jculion Il

rc.s in thc lasl llrrcc ).llls inrnr.di.lt ) pr.lrdins lh.secrion u ise delails rIcr.()l lbr lI. ( o np.l \ a,rd a

against thc Conlpanr in the lasl lhrce r"ears. i

es Acr.l0l.l or an\ prc'

cen\cnr ollcr curr applrc

ed ( $hether pcndins or\car ol rh. pri\.rc thccIol irs s!bsldiari!\ Nil

an)r. and ilso.lhe aclion

l'{rticulars .ll-Mar-20 .]l'Urtr l9 ll-\lr -t8 lt 0J-20r

(in <

Millio

Value (in

IMillion)

:r lue (in

l\l illhn) I Mi

(in

fraud Casesi (A-B r C) i5

rll

8ll

rlt:

I.l

75.76

l i.()9

lt

l

(, I ','

A Fraud cascs whcre

enpk))ccs of rh. ( ompar)y

LO

B- Fraud cases whcre the

enployces & cuslonlers ofthe Conrpany are lnvolvcd

I

:

I il

I|J

5 50.1,

t1

t.6ti

C- Fraud cases $here the

cusromers ol- the company

I

.])

capiral slructurc ollhe Conl

r oF I lll] cotlPrli\\

r) rs on \4arch I l. l0l0 in rlrc lirllo$ in! rnnnncr in .

equilye (r)

price

equit)

({)

olT) pe ol

prid'u!(t il\ \lr

liquit\

equil)prr ri-

"'n (<)

Cross C

({)

85 ip}

I)atr of

tui(]c (l)

pricep€r

equilyshare(r)

l\tcolGross Cumu-

premium ({)

t99l50.000i t0 lrl ,.150.

0q

txl 11.r00.000 \i

Aug 2lt995

I :o.ooof ro] 0 Caih r\;bri. i0.000.000 Nit

00 000

00 000

0

l0

l0 Cllsh

:i ('r\ll

il1

ro Nir

r0] r.l]. \r]LJsh

,, un ,,.].,,.,i

li58:

It !lrr. 1 500. 00 1i.000 000 \i

:0()j

:00;.rLrn I i l

i.500.( l)0 a5 000 000 15.000.000

r.000.{l I t0.000.000 \it t5.000.000

trl0lt

lM,r 16. l.()l00o

\| c l

l.l.t8.t.-\ il 1,,12.815.810 rit 5l 450.17i, t:2

l7 : i5.8 li t7t.558 }10 t56.6: 9t5.686.t91

.t tl:010

I r.6 l l8l 0 t0 Ni 18.913.2 0 189.112.t00 \i 9 t56862.9 t

l0t0t.: ).1t0 t0

'l

I

flrlc,,r,I

l.r;:1.*r lith rarrani

12..171.6. ir4_716.100 681 i.lt6.7 t2.i l

March I

l0t0t. .E9: i1.018 il t.r0.l85.tt0 r56 6l .;.s I t.tos.r,lr

\|ri ': 170 l

\1.r\ ll lt0 I

\t)lt)

2.611

ol

l6tui

l

:

;:.oy

\il

iit

\t, l 170. t9:.(rt 110.:8J tt0 Nil i.i71.805.6%

110.-tEi tl 680.770.,t.10 Nit i.5 7 t.805.696

t0t0.lr ,0i9

-t lP..G.*al issue

15i.595.1S 707. t90.5 t8

tr4.l3rs ls

73.7

;t.tz

4.545.185.570

r.esr:a-ro:ut0

lr) 0

:ti

lli

t..t7 t

i9..it-l

000 : .rt :

IJI)! -) 168

lCash

l

Cash

lrmeh've(lstocrL' tlrrt0l'Qualiticdin\rilutron

' all

]pru."'r"n, J

1a1.066.15(

16.59C 831. t80. ti6 166 ta.s:,1.::S.:E

lot I

28.1. D0 l ll t2 Ca5h lFrnotoree 4r6.u74.t88 811.748.376 lt tl t,t.S,l:, tqZ, t99

IlJ4ti,?J,r_-l0tl

:0I l

i x,-l r8

8

\i

(.r\ r

llLrrL' 8ji.7,18.i76 1.6(,7..1.X).75: Nit

i.j 'r.lou l

E.r l, t53,ll6 t.oa:,:ot.:ilrlse

ih. I

t.t.0s r.oro.so,t

r.srE(a

\

')

l0

:0

Cumulati\ c tq'rih I

pxid_uP i sharteqIrt\ ihrr€ equil\

c'Pirar Ii,l,

rquit)

({)

of prid-utequiry shl

c.pi(aleqnil)'

u'n ({)

March 10.

201)50.000 l t6.56 Ilrnplo\.. ll l l.lrl- 16 t.68t.i06. 7l Li6 H.6i 1.0 L

.it1

.-ll

Scpl 25.

t01ll.l_000 l r6.56 Cash

Cash

llmployee 8"1r.lll7. r]6

8.1t.t0l.tr6

r.682,i71,

1.68t..r H.

1).

tl

1.r.56

tl16

1.1.651.5r)

r.r.65t.70

t0rl10.000 l

l6.l0 t612.1.i75 ) i t.25 Employee 8'1l.llr.arr .(rlll.66l 29.25 r4.655.41 .'7 t1

) i.l:

t5

.:r68.5

t\

Julj I L

l0 t6l..l r.lla l I r.ti r.lr It.l t i7l 916 l9li

t9.ti27.l0l6

l?.100 l i t.l5 ( rsh ll l L.6 Ll.ll() 68i.tt.l 'i)

January

I l. t0 tl1.81.i00 ). i t.25 Cash 841.899.4116 68:1.799 1) l9 t5 6rl.05

April 17.

t0tlI t.t5 68i.89q ll t9li

11.l0tlt0.6ll ) 86.45 Cash l-rnployee 84 t.960.249

Il.l l9(,lli0

1.681.910

t68.l9t.l

t9ll

).10

8{.{5 t4.61.1.,1t

20.l0t7ltl r l 86.14 It I 15

lt .l0t89561 l Enrployce

oplion

8.1t9ll0tl L6lti9.t. u l. r:

. ](iLE

56:1710 llmploYee 8 [i]i16l

8.llfji 1a l

l(,8507 t.l li-l 15 1.1?I0 t:l 8.05

02.1018

l 86.1.1 t685r)i S.l lr l t;t I t:(

Jul\ I I

l0t81699 8l ts Cash Employee 311519160 168507 ll0

ll-l.la

Httlt9T t'

l.20 ll]

]',t4691 : 86ll I-rnpbrerl ll tllJr)e85? 7tl l.l?-16157

April05.20 t9

l 86..r5 Lnip o\.e ElI165)1an lr'8oll

@

lJ r 15 t.trl6ll I 0l.tl

8/

Dale of ofilr"

e (.) Perequity

(?)

Tr_pe of Cumulali\ CumulaliIepaid-np

eqtrit) sha re

Lquii]

um (r)

Cross Cumu-

premium (t)

a;1,,rr,

r.l0te

I

6il41 l

l

.l

{)0000

t00 88

6l t.l

s6 lr

(.rrh I:nrpk,\cc IJ.l:tt6t()

lI{,rn

sll,)1ll

6ll65tl,)t 8 q8.88

8.l..li

14785120501.22

and

1.17856;68i0.51

rl r8

Nl 7ll

Aulhorised \ha re crtit?lshares ol lts. -l uclr 1.960.000.000

sharcs or r(s t00 rach .10.000.000and pr( !p nr.re capilal belarc rhe tssL. r6899r'6250

3ll,)!1]lJ |qrir

)r,ll.\ r]r K\ -rrircir. l!lh n.r(tul

\lrlrc! ,il il\ : ..r( r ltrt \ flill Up..r ,l ,. , ..t | !. r\.. .i. r.itt !fh\-rrr,i.r.I .ur d. j,...r, t, \ n,,1,,"

16899861-i0

1689966250

t6s19s6150

NA16899862i0

accounr O"tre trrelssu.

!c.ou lt.r lh. t\\Lrc

NA

\-

rua . tssre orNtD wirrnot rcflect the premium

(Ouistanding-Rs.

l.-199 55 Crorcs)

NA . lssue otNCD wili

8l.l al

not rcflccl lhe prelni

March 31,

20 t531, 2017 M1r'(h ll.I l, 2018

t.rls.llt0.55i.6812.117.41

t.888.41t.?0l.il

(i) . issued. subscribcd afd paid up

minal valurl: Aurhoris.d Crfil.ll .lr(ucd I,iidtrp capital

r6899tt6li0

lls.l50 !ro

Rs.l00 Crorer

(1, )

(c)

\i1c ol lhe prescrrl ollar : Its.lj c[)re $illl s lli crorc irglllci]rli

(d) rrticr rhc

(l) ihrre prrcllccl irl

paid up cap

l0t0:

ii. Ih. d

Rs. l6899li6li0 (liquilt) as o lhc Lrsl da) oi quaner crldcd M

ioll ol con\crlihlc in'lrtLIrcnl' (il xfPl !irl)lt) \ol trpl) i.lhl!: rrrr(l

rnation rljgarding profit for lhe last lhree financial tear

um accounl (bclbre and altcr lhc ollcr): NA( -lhe issuc of N( l)iurn ) 1..199.r5 Crorcs

ilsol lhcc\ining\h rec,rpirrLol lhcli.!( r)rrl.tbr rli)rnr.ir.lcrlrr:r1r'r'rnni1', cach .rllorrr.nr. 1 re drrc ol allolrlcnr. lh. rrunrb.r ol \harcs ir l(tll.d. lh. lic( \'rhr' ol

)saLlollcd.lhcprr..ln!l lrcli) n or c.n'id.ltlk)n 1'1o\rdc(l rhxlth. l\{i'r \h'tll In'rh,r o! nber i$(L t i(. rr \hi!h ( .lr t,l Lr..L olrfcfr\ $rr( rtit,lt trr trr i,sL trr.I L

g datc ol prl\or. fltrcclrr.nr ollcr !lrfr !fnlicaliof lcrlcr \tf.rtrlcL\ lnli'ali|: r1n'

ts nlade tor considerati li olhcr lhan cash ind lhc delails ol lhc consld'ftlnn in 'r'li

I aljcr rlrukin3 tro\lsion li)r 1a\. li)r th. thrr. lirrfc I\.rr! ifrn'lialrl\ |r"'Llif:rr oller curlr uptli( lion lrllet

Proils of lhc Comprn]. bet_orc

lhe dalc ol isnr. oT pri\rlc Pl

The tsblc bek)$ scl lbrlh irr

(lts. I'r nrilliotrs crtcpl di\

Nl.rrch 31,

20 t.t

d. the

ln

h

.lt,20t9 .l l. 2018 .3r,20ti \'Iarch 31.

2016

ll.rch -ll.201:

I)ividcnd de(

share of Rs.:It\.: l0 Its I00 Its I It\.l.lI Rs. 1.80 Rs. I 80

Di!idendr dccla

tirllo\ ing r.blc:

cd br rhe Conpan) in rcspecl oflhe sajd three tinancalier la\ plus intere!l paid./inrercsr paid).

xs fonh ccnrir dcraits rcgarding thc dividcnd paid br

alr-.alsr intcrcn co\crage rallo tor la\l lhrer

o!r Comtirn) of tlr. .!uj1\ (har.\ ti,r F-isca

] r'r"it :ol 1-risc"r :or r lt*,r zois lIisr ll0l9 Fisc.lz0Ilalarrt:qF.l uit\ Shires (Rs. p.nhare)- l : l

on rrlurr\ shrres 0,is prf l. t5 t5 l.li l.i 5

linal dividend

lorat lnrerirrr d '

)l l:quir\ Sharer (Rs p.r

idend;n l:quir) Shares

0 0 0

iut 77 t68-t.9. ll6l.-i6 it9:.ll I lli (r5loraJ final divid nd of Lq!ir\ Shares 0 0 0 0l) !id.nd ra\ (gr

'!!) on irtcrinr di!ideId -r.1t.8 :i7 0: i85.1r I t-i.71I)ivi(lcrd ra\ (sr ,ss) or li nal dividcnd 0 0 0

rri Fh.rl20ls fiscrll{ll8 11 Fisral20t6

Fhcal2011(ash profir (l

Dcprecirrion) ( , \1il of)

ne\urc ll I] (pa

n! n(,li.i!\ (hIi

8.589.1.1 7.500.58 l90l.ll it,l6 tl 1.IJ99.06

10177.69l

19.t,191 00:-< 88i8.65 87:6.1 r0266.01

l(J Cash lrlo$ S

n ol rhc Conrpa ) as in th1l ollrr c!n1 irpp icalron leit

ets and l,iabilities of thcir hllrr: Annc\ure tt A (

:mnl ol rhe (tompan\ tbr

'ec )cars iriIcdiatc ] prec(

n! rlrc lnn lj)rrc,\cnl., an

(,l thc (t)nrpnn\ during

tl I I.l t.l7 r.t8

C0mpan,

Ih.ir cll

Io lr\r th

l! :d balance sheers imnediatety preceding

i al the end of the tasr three financialials).

e financialyears preceding the dare of

olcirculatioi olot}er tetteri Annexurc

the prolils and thc rcserves of the

finnnciat\cars gnen bctoN: No ottrcr

Mrrch .ll20t8

\1.rch.lll0l:

rch lt0r6

March 3l2011\cl prolil b.tbi.i 20r5

l0.a)6i.a5 rJ t18.77

i 8t.615189 l: .t [.] t8 1.,t.t0.i0

N$0 139 518 8t 6i8 9ia(\

90

{)

II ('

\r\.

Yarch ll,201:l

A. Cash

activitiesting March JI

2{r l8Mnrch 3l

2011

i\rarcl' ll20t6

Merch 3l20r 5

l\tn rch

20t.I

(l'rotil|loss on salc of ll\cd r l-1 -i t7 lllNet gain on sale of ,tl I t.l

-95. L -1t7.7 -)28561. 8,116.41 t0.02

tlu I til!

I)ro!ision tar slandatul xs\cts tr I

Ilad debc,advancc\ \ri(crprovisior lbr non-p.rllllnnrand provision for doubttulad

oll r lltl I lr tr

Amorlizarion ol forward t7 68

l'ro\ is of lor L l g.rriof claif 0tl I ,t 6,1

Operaring prollr bctbrc .769.97 Li i,it la I l8f I r 5t.t.l ll.l6 ?l

Mo\cnr.nl\ if $orl,irg capillncrcasci (dccreasc) ln trade rr5.58 .rst lL -lIncreasei (decrease) in othe

liabilitics and ptu!isions

.r01.9: t985 H :65. L.ll I )tl

Dccrcase 1 (increase) in 5.116.06

tr lsi ]l

l]]l

lll0

5 ,i09.49 0.6

.slDecrcasc ( ncreas.) ln sl 8.r? I _rl

.l11.50

I

,1

07t 99

116Decrease 1(in€rease) in orhe

lncrease / (decrease) in Otlerm liabiliries {ner)

rer long r87 t? .ll,1 ll.7l _11

Cash generated lionr ,(r -t.780.]l t0ll l5 s ll9

Dirccr ra\es paid ( cr olrct_u ds) .1. [] 66 :.ll ll 1).) t68l -t I78 t7 - t.lNet crsh llo$ lior)r (ioperaring acliviries (A)

5.9r)t 8j ]li l r.l -tt):81 t9.tl

B. Cash flows fronr

acli!itiesPurchase ol fixed assets. rcluding r515.90 -.16.t.0,1 -r t0 t5t.l ,l 1.16 8l -:i

I'roceeds tiom srlc ol li\ed ir r.6o ii7 t(].tl5l9L I .11 .lli

P!rchase olcln'.nl in\cstrnc -l t) -.I

I')urchase olnon-currenl invc r l56 tllSale of currenl inveslnrcnls t59 l li t.: 6.6( .tt0

lnterest lncom. on Dl-ll Bor 5.98

Sale olnon-curcnl investrne

1051.

S

l

Red.mprion nalurir)deposirs (having original

nrorc lhan rhrcc lonrhs)

turir) ofIt ]liitl ss t.5 t.l

.78Investnrenrs in bank deposil

original malurily ol more I

months)

{havin-q It. t,) 9lt .l.i I

l l8tDlvidends rcc!i\cdNet cash llo\f lionr/ (

in!esting activitie5 (B)in) t.t05.r? ,tl.t 0l t.1L rt95 it5s.09 0ll

C. Cash Uo\!s lionr ./.pn9{Ng/2-'G;d

91

r\\r'rn.. ()i c(]! l\ 5: r-l I t.(,5

ronr Inslixniona 1.000 00 t5050 r00

ol l|yilutiolr l .1i6..10 n90.505 lltl i).1 -t.041. t,1

.1785 Sl 1.000.00

-t.706.7.1 t5l9.7l ,1505.15 -4J5 6t l.98l.t:lnslitutionai

1 rerm)

ol ln \ tltu tr. I ii

I il l)(h.Itul1r.\0 2.730,10

-ljs4. r6ll0 r- 15 .8 r5 t565 6l

2.5

rnler corporate

ey reccived tar issuc

r non,coilenibte

l: ) ll0

-2000

74654Jt

2.008.15

t..10 97(,40 87:16 6t 70266.19t5 t9.755.65r.r-i. 9.l 7l.,lll9'11 6t8i,t 06077 7t748.n4I _t0.,162. tq

(lnslituti0ns)subordiralcd da.tn

0it I rl,5.10 r7i -l ,)q6l 1il _.1 .li

lr0..ti 27 0t rJ t.0-lItcpll)nrcnl ofti -27.5i -t9.65

575.t8Pr'ocecrl tion [!r

-r807.1t ,5i I 8i ,:87.I l1.10.150 t0i8t0 I t7.100

R I t08.10 57.1 t0 001.06 E89 t.l -11,1.170.t0 -llll6t 7i ,81164 r7 -66.2'/0.21t'oreigr Currcnq! t) r500

wCDL- llanklofuigrr Cu|rcrcf (l i-i00

WCDI.-Bartoreisn curenrci 5,6t7..11

162 8Irolt [:.]6750

nepavmenr of(nhcl11

f,/ l.l i l.1u 5i ,t75.t7 -1895.2 -2,167 72

menr) if workjng

'ines (ner)

-67t.i8 7:06 ]ll i89t09 -10600.76 -t..100.17

8 ti5.77 -rir{l 68 9.7lt.llt.:61.a6 - J9l.7.l 15.6.1 - 1. r35.65

157.01 ,l{t5.i I 1S 7t -t9l

r)2 \ra-

Varch 3l20t8

March 3l2011

March 3l20t6

M:rrch 3i ltuarctlxL,rt ] :ou

Mrrch 3l Mtrrlr 'ctr:i T t''tu."t :t -M-.o '.r,

.r IT vr a 'c

t ri T rrr,..t rI-

lN(r incred'e tdecred\e) in cd.h and 18l 14

]cash equivalcNt(A I B +C)

c^t-lna .u"t ",tri'rt."r' ir rtel 16llliIt.r rnirr,:,,rrh..-rr

1

2 l\ :01- 2 16 :0li lul.l\e'cathrlo*lronli.,"iai"rin|alx',oll',I-.]i,l,t.l{Ex:.t1iin,a:\er carh now lronr (u"ed inr in I 8 r8',6r I '.r-- li ',,i 8 Ex:'findncina acrivirie' (C) I l

-,,':.^..".,:..-..;...r".; -r,80 tl -lu , i. ili IEJ{ -5'( l, rlt'

tx Exitl \ i10.7 i

LIrl.,:or .e] .8q44i r..rtoor,r , n,l.-

.',i i: ,. ,";,. ,, , l(..,u,,, Li, l

t-a.l a,r,l ci+ "q,iurtcnrs

ar rl;;,iri l9(rli() l(,ll ll ,lll l(ri j0 ise'l le .,.161).()r'

ol rlr. \.rrt\.'

.(tr i\itl..r\(tr,r,irh.jrJ !1rl Lliir, rri)l]

---l --1 ,::SirSi t.6trS1)

L): I li

L ftr (l \( l) 1r!i(!. ,t...11,r1L rprrt rtirrru'rr,:,r(oLL,rr ,i -llt)t rpr J ,lucJ Llcpo' L,iieot ,r

L rtri,LrL.r ,,f.!rtt.!1.|.'( - Lr lLr rrf - iLrL I rlir'

l rrt J,l \ J.rLl r(c(,ufl ir-L) iL)' lSii lll' llrfl rrt J,l \ J.rLl r(c(,ufl ir-L) iL)' lSii lll' llrfl

l(ir.Ll ,r\lr rrJrr\r.,u\.tl.r L.Lrr(il. I -l I S- '1 isl i\!ll'l

i lir.\!rr.\ur( \ l

93

Jo rrot inpll, thal paymcnl ol rlividend or

r| ::ailrl:rirr,.'J ir.r t

icil thrit all thc rcqui

.lirnr 18. :l:l!

thi: lirrrl lrar

i.lt.

P{R.T B

5rg&rtut. {}l- appti!.nnti

ltitial oltlr {)lfiiey olrtr

.\ iler lir r;rl i, rrr bi tlrt ilirurli.rr:

(onrptt{ Addrcsr i}l-ludrng Ilar.,

Phonc riuntber ii anl t

l..l'rliril lil ii'aq.

l),\\.\nlJlhi:ri

llarrir ;\r.eorlrt tir:t;t

er. Strc.- l.(]aLill;f\. l)if, a{)dr

for Manappuram Finance Limited

l. \arri

l,i i|{ l ta.il .rll:r,r.,rl]..

€nt(.mary.RL,r:,,/-u, JcCI€t rrr

l)I('1.1ti.1 fI{)N lty I t.t tIt.af('r{}R\"

I h|llonirl\ rcer'ired uldrr thii rtillrl!ltrir:

:ir! l

l!lrrtri:,

ru.( \ ,, .fftr LlnaPplIam F-inancs Limired/-2 n-. M_'/,yhy

.l r1l.l('(ti Ilrliralr{ i!r lla o,li

cash Flow From Dlberrure

AsperqfBl circular(lRlVD.Dt/lP/20lldatedOclober19.20lld'arnend(dh\StPl cirular no. alR lMDfl)lI122/20l6daredN,,vcrrhcr ll l0lb rllustrati\. crJ, llo\ Ior DcberLrr. i,r"urJ

\1r.u .fr r.r r I i'r.rr,. I rfiri,llt\ Ll).0(l.l)1 o - |. \r.r 'l)ll . rLr li)l(1

lI

ll l)ec 201I

Annuall)

lrcr,,ail,,fctLr.tl)q Q!'!t(q!y!'t ligl

Estimated

Date

(}sh f kn\ l'er dcbenturt

I).r\

I I lLLf ltl I .nlr\

ll .rrn : I \\ edle.dir)

i r,' nru nt rR'r

r l.0l)(r.l)01))

I sl..ott

ln 1l,,$

llllcr!\1

,r-lra.'r f-rL,,M")23-Dcc 1l l hulsday

lntu (!t

ll'rincipal

.1i.870

t.000.000

-qg!!e!L-Face Value (

lssue Dale /-P!It!:! !tft].\ )Dare ol Allolnrcnr

9\

Total No or T TodtSh;ehotdin; Shares Pledsed ofothenyise encumber€d

ANNt:XURl,t I

S}IAREHOLDING PATERN AS ON MARCH .] I, 2O2O

\unhrr ,f equii\ \hxrrshcld in (lcnrNt.riili^,,1

\l,ir(, u,,,ld h r4-l)R.

Lrnp o\.e lrulrsh1

196ti6 l9 6500000

]l --.,,,nlr00l 8,10169701 6i00000

\o Fquir\ \hxrc. z,uunftorat n!, ot"

it,,nur.r #ffir.!.*ll .-_.^-]

-_.,_lI'rbl( , \.U8:iu8o u.r.f,: I

,\ r llornur(r.\onI Ir,,,r.ri.l

96

FINA NCIAL

(Auditcd Financials of last

ANNIXliRti

,Ja,'r,arn or rna aoM PANY FoR rrE

: yfu., enctoseuy

l \S r .] \'[,\RS

Manappuranr t-innn( I-imit.d

Slrnd{kne Balance Shcct as ai 3l Ntarch 2020

ASSETS

Jl llxrch ll)ltr

t0.lts I 69 t.(): I i l

lJl March llr l')

::$,*. are in mirrions of rndian Rupees unress orhersisc

I

c'"tt, "r(l "ast,

cquiunt.nr. t,

l

Dcri!alivc tinanciaL instrumcn(sr.169 97

LlilJ I le.ljj

9Ir0.89

t.571 I l

ll.l l

t0.108.r5

)rr s60 till

Non'finnn(ialassel\I

Current rax assets (nel)

oenerrea ri, assets (net)

791.5a) t.529 r5

i

Other Unancial assctsI

plant and cquiprrrenlI 0116 il

( .rt)rlxl $ort_ n pr,,r .\\I I l"oo lt'o: I

Rrrrrroll .( A \fl'\ri'rr or r .( \\rl - -

-_ -- - - -- _ _

,)1,,n:h.ci,,.<,, t- J I

l-,,,,.,non,na,,c,a,a..c,\ J-",, 1,,,0, I

iil:l a6. liI :l aa,. li

t.-tu.0:t.6-t l.:6.159.60

I_t \lllt.l l \ \\t) l:Qt \

I lir,rr:rr-rrr-5 I l- l- I

- 0.10( i) roril orr\rrnlin! ducs o| ocliro^ orher rhan r)crc i i + -1 ",;.,,,;;.,;,J;;;,ii#;,1,:. r,504. 12

I ,.,rr.,

I r.n.'.n,,, .q.48i 85 l, suho.dina'ed tixb,tirl(a fu]r4o2s lr* ]I

tc., c 'rr'rrrr. L l'"'" l'*{.1i9 0l

(nher rirr.crrt ti.b liti.\

l

]---1.6,[.85 1.625.9.1

l I -LI

IfI

Non-fi nanciar Liabilitis

l,r(Nisiori\

' Orh(r r,,n-iifir)Lral lrihi irils

I

98

5 n.66

8i5.26

1.IJ1..165.67

l.::.s, ",

il

I oral lirbililirs {nd cquit\

ol lh! nafdltlonc rnfcil

i r.868 98

2.lli.(12.r.61

Ior .t'rd o'r b.htll of lhr Ihard ol'l)ircclor!

I ()Sr rrl

|.tli 99

t.?6.-1s9.60

I)l\ 0(xr.1t6tl

See accompanying

In renns olour rcpon

I For Dcloille tlaskins & Sclls Ll-P

ffi \liLr.r!i,rJ I) .,lLl

l)l\ lrlrL) l lr l'

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( lr.l l rrf.ir ()lll..r

ili":" rir,,pu. r l"i'*,i l)!re Ilr\ L l. ll)10

99

rlrnrptrunirr t ininrc t.inr itc(t -l----lslrr(lrlonc Slrttnr( r or'r,r.orir ard r-o.* iiitr,:r, I lhr \ cxr (rr'lrl Jl uxI|lr E]| \lr.rnr,.ur..,,,.(. rr r,, ri,rr. orj,.r,rr .rR.rn.1..,r,,t(\\orh\1$r\...rd,eor f=-l'arti(ulala G. -;#

3l Vnrch 102(t .lI Nlrrch 2(tl9

(l) lt(\rlue ii (,,r ,,1i","ri,,,,' i,r ' trrr$r,r , rc,,rnc [I-li) [.]\. rr ] ;:.zo: zo

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()llr.r otcrirrlr[, i )cor]r.

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t otat Revcnri,c rrom operaii0rrs tti

illr

(lll) l,,lrl inco rr (l . )

I n,";.;.".it

tlrii t cer arrrrcomrlisrrn trpL.iii,:)

l:(r lnrpr rll!,rn (,t i;,.,",.t ,n,rn,,,"ur,

l,

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f.. 1"""' l"'" ]1,,,*l

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l)epreciatior and amonisali0ll l6

)1i.69t.67

77?.10

68.r.78

,1.99it.98

t;il

l

*l H;;Iil beforc tr\ (lll - l!j

l,'l*""(l) Curenr lax

2().'t t.ll0 I I 091.-It

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IIE ts

(l) Dclened r:t\

(l) l.arl.r\c rs adiun,Ic r!

Fp.,'ru r" the \ enr (v -tl)

InTl o,h"^.-",,."r,"*i* i*-*

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- RenreasurementsTu. * cra..ii".,l r" p-rli., r,r*dfthe defined benefir asser

ffit2..103.t.1

;.lu

( 0 jl)

(72.59)

(v)

(ii) lnconrc la\ rclalirg io ilcnrs thal $rlnor b. ceLns\illcJ

l

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(ii) lncollr. r.\ rcl!1if,r t(i itcn\ thil $rl

l817

(sr..r)

(.11 ?01

tl,rl

( l_._8)

subrorrl(lt)

101

?.90{.s6

(lx)

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l)rr.r \la\ l l. l0l0

()lher r{,nrprchcn\ir. in(r'nrc

Ita rnilgs pcr cqtril\ shrrc

llasic (lts )

l)i r1.1 rR\I

(51.-t:) (2?.79)

_l'l'otal com+rehensive income ror lhe tear(Comprisint profir and orhcr compreheflsi!.

(vrr t v t)

L'r o(l 0r hrhrtl ,)t ttrc

| 2.2.18.81 trtr

t4 58

t1.51

9.18

9.i7

lrr r.nI\ or o!r r.prrr allached.

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li.r..c-;"",d-]

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Tc",p",L"] s"..",u.yI

Valapad.

I4. '0r0

+

142

IT_l

Manapptrranr F-itraDcc l-imired

2020 -1i

+mounis are in nrilliors ol lrdian R!pces. untc\s orh.r\ is. sl t.Ll)

Cash llor frorn opcr.aring actir irirs

lor lhe \rrr

3l Mnrch 2020 3l Mnrcl20l9

68t 7ll

t10.37

(t6 05)

T

Inrpa rmcnr on rlrancirl lsrrumorri

16.800. | ,. ,,,0,t

,196.61

0 8t)

1

I

Provhion no longer rcquired wrincn

P","i.i",, ti,.

on salc ofpropcrrl. plant and equipnunt

Slock corrpensation e)ipense

I

iDiviedend Recei!ed

(q 15)

lt] 89

(i0.11)

t-103

ln\rnrrents ard orlr.r\i1.,,, u",,tr t"

5efiil.,on a,rd arrorr,zr

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ll.crrI.r t rncrelscl iI orns

liabilities(dccrc4sc) rrl .rrcr ,,on-i;,an.w

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ll.88

lrd

II r.,,.,

i

I (,1

Li Renr. Electricitr, r"rcpt.,nc a"J

printing clarst\ R(Cci\c.tI

vanappu,an Ho,n" ni,,anc-i.irea

M-"tpr.", l,'-,f u'," I

t1.20 Lllt

122u ]rEr

f^,

l

Consultalion Charge prid

tr;"pnura.- -c. ..h

I consulunr\ Ltd

fatu;.EEar;ilI

lG,ppffi - c,, ..h

] Consulranrs Lrd

Conslruction Erpcnsr;

I UunrpprraIn- conrt*.ri*j P.oeenies Limiied

I

Moothly usage charg€s paid

M"napuram- C,,pt".hConsuhants l,td

and

;It-

0,1J5 0. -s

r t. :

,,..7

I

t.60

t.60

fi7..]li

7.18

7.39 lr.lJ3

8.8-l

725

Nl[-n"pp *;l r."rl"r.i"il; tj",lr',1

l'rocclring lcc lltcci\cd

\' nrll \l .n,llfufc. L inrl.rl

Mrn,rpfLrirm

t1-- i\. \r(l \l !rirlfrir(. l.rrrr (c(l

Lt-licpal mcnt ot t-onn trkcn

Asir!tld Mic()rlranc. L.irriied

(-orporate loan gircrt t0

Nl,rrrpfurarr l11,.rc I nrncc L- nr rc.l

ltpa\ nrcnt of Corporat( bnn fronr

uinltpuranr llornc I innncc L-inrircd

+ ++-

23.91

l:l 9160:6

I

t00 00-t t-ft100.00

lI

I'

Ilnsurancc llrokers

t.725.00 1.910.00 l.! t0 00

l.(,1(l.l)ll

l1.7.15.00

1.735.00 t

Subsidiar)Coorpstrr

or significanlllinnucnccd br. Kcf

K"l Relalives ot Kcy

126

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3t lll\rnrch Mar.h2020 20t9

As;.llNlrrch1020

;;;_lr.07r.s r

l

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ll

20t9

A\ ll ,\\ !r I ,\\ rt \\ irr

.lr . - Jl11,[ (I Ilrrih ]txrch Irrrtrlll2l) 2019 ll)ll) :0t9

i urtrr* ",'r'rr*r,,s *,-r," ** 1

Ljl'"-''-1'1.-']

""'"*'} I[*']*'"'"'"'l.,,r'a

I

! :-"IMdnapnurain l,\ ri ( BfukcJLimited

V"rapp*a, C""rpt..f,Consuhants Limited

#

8,37 t.{0

1:6.:{6.20 It_

5') IJ.00

3;rF-""-ryl.o*ir -

I

Manaeeura'n Foundation

Manappuranr Insurance

lri'i,.a

t.0l t,0ll

0.t9 0.t9

Ilrokcrs

lllll

] ,r,,.uo

J '*'i

I 0-'l

Co.porur" f,o* tlursrrrirt;rrg

r"r-"' Finance l-imited

A ounts reccirnbtc (net) tro,n

127

\'larappL'ran (lonstructron

\lnrlrpt)rrrrlr ll! . I i rirc. I inril.,l

\.hf pfuram lnsu(Irc. Ilrokcr\lfrir.{l

\l,Lnrt)|r n.l!$.ll'.r\ L i nilcl

) 1<)

t05

Nliu.pturrm A!ro IID! l.inrlt.(l

----fll.')9

N]r. V l']Nandakunrar

\lr ti\cuf(lir lilri

\lanrfpuranr Conrplech( rnr!u l.rr' l lnrir.l 18.li9

l

-tlNhnapfrr.nr ( of(llucr or and

ll.s4

Yxnappuram Ins,rrance BroLers I

I Inrrr.d 1.56

other records available

.rl.rf\,.\..ro,cliicdtllnic!fl. .trtIhl.ortl.n rJ r'f.'( oliNain\ irrercsr ri t.tSi"

c) Ih. orns ha!c bc.n ulilircd b) rhc M nLrppu.xm llonrr lrinance t-imircd lor lrnding Home Loan and meeting thecapilal requirenlcnts.

dl t!4anappuranr llonre Irirrance Linrited has uscd rh( lo r tbr rnecrrnS rhc qortinU hapirat requrremenls.

c) l hr rcmuncrarion r,iii,a(.) *"r.,-!".,"h.'.*lh.y are delcnnincd of an acluari l basis lbr rhc compan! as a \!hole

0.tI

00i

{6.10 .ll.l{J

l!.01

128

6Ul

12.0

420

Ratings AflNaruea r t t

GAI r}\6 L€-Trc q CRISIL;-i --; -.;

- ( l,\llol\ \l\t{\t E.\f lJ9.t-}\(D to0(:ot0Iu)c 16.:0:0

}1r.. \: P \aud.kumar:larilg!r8 Dir.cio, & Clei!xe.urtle OiIcer:Uiurpptrrim FhrD.. LnnitedtrlnnaDDur.n Hous.

Tluisiu - 6E0t6l

Dear \! \'P Na daftnn]ar.

Re: (zuSIL Riln,s ou rLe Rr.-i00 (.ro!. \otr ( on\.,..ibte D.bexttrr.! of\tau,ppurallt Einru.. t_irDitc.t\\'e refer lo )oru re(luelr 1b] i raturg fo, rtre capr,ooed r).Lr m;r,{oi.rr

CRlslL lFs. a e, due.oridernor. a\$c .,t i -(.RrsIL j\Asrxbl... lrrojn!r..it.1RIsrL. double,\ r.rue\.'r.. .r't,l< .'.,t.ot" ,u, ,*a I r,, , ;,,,..." , .':'.,. L'"lll' :'::" ' ',', .rr'\ertrlrrd.o<.or!.,req,"n,u.r,uqri,,"r,.",.:11.i::ll'"'IrtrxuErn'\rril!'rirurE'I.con'.r.,c<t ro

cre.trrtlsk L.r eot lir.Irc,alohll!rl1o.5 sr.tr utrrrul.nr\.aD\ \er\ lo\

FunJLe, uL \($ oi \o,n d.,,no,, roirleurrl,<(0".r,,,, ,"..,.r...,i,i;;;;;;. ilT.;l;;.YtrL R'r'rs ue r&rrt':r ro" ro app,tr. u! or,r,. !E,nun.,,

"*".i,,.,,p"r.i,,i1i;",;;"il::;.i:ii:Jl:1fl.:lllf;i:1,".i,]il:;:lI.]J:ili*liJ:;)o'u propoled hsue. I ied) lener otrer.t,darjon lio,u cntsrr_ ",n r,"

""."i,1,..As pe, o,u Rrring ,^ge.Ne,r cRlsIL \oul.r rljr*urr.rc trrr r.n.e arone \,rh orrroot rhrnrprr n! fuirrl..noori:l:l-:llr., n.,rr nnd r..ep,he,.,u,e xrots ni,r, -,,r*,r ,.,a. ",,..,r",,..;.il i;r"iii,: ,,,,,,.,,,.,,,.Rl<ll re.e,.<.r1,i,,-ri.o.\,.t.d.,\or,-,.,t ,.,,,, ,.:.,,-.. ::'','-"'"'",r," u".;,.r*i,,,J;,i;"ii;, ;;;i;;:;:::iil,lil;li;;,;.1:1,1:,I...,l,,,,lil,,,,,..1l"liHiiJl,liiJ:ll:,:ll.l hi\'. au;npacr or llrc,irtr,r

Ai fer l,e hren SEBt c,.ut.r 1rcte..*cc ru,tr., (.lR.I\11)DI:l-:,' rl.reil Ocr(nrer t:.:0l.tr o,r(nr'|r,zci d'ir')r'' 10r rqro'|'re t'o, i\ J.b.,,.!er ur.re r.!u.tr ro liro\(re ,rerrr,otur s..urir,.,L'ld'rrIcrr'o r ulL!r Lt\l]- alJxe \,rlL rh.,.La,,,rde,,c,.hnL ,.,;J.,;;,,r;.:;,,,,.,';i,,:.':",:,'"'-"IrriL{ "hr rc r!o, ,r..i,,,i,(nc,,,,.!;,r-."., ",r,,,,,,,,r,,,;;,;;",',,,:':,i;il1.1]:l"l : l';.,ii..;:;l:li ;l :.1:l;.;.,:l' f.;]:ll:jll.,,.1,<ld ...rt {j.r..r^r,,..1.t ,..,c,/.,.., .,,.. .. !rt 1,t,(,h\It ,".",.. .,,,A.,.,i,,,-. ,,;.depo.rtor1c..u,.1,n,,,,151)Lairl..DSLrh.ISI\Jc,."t.",,r.r,,,.,,..ti.,,.r.,.,r,,.i,,."i,i,i',."",

u"","-o,'r .r .. rb .,,I,',,.1,..,r,o,,. /.,,.d),..,\( i..trLr.. J.../. r,t.,,,slould )ou r.qnne .rv ct.ricanon!. plt.rse f..t ti.. ro q.l n) rr{rctj u nt, ,L

,,4)+ v '/-''Direcror - CRISIL Rirurst

*:,

Asso.,are D;edor - (RISIT_ Rlrilgs

Ra ings CRISI-L

Derxil! oL tlie lts,500 ( .o,.c Nor ( drr.rtitrte\lnnxpporim l_irnn.c l-i,niled

..tL.t \ ut.-t ao.noh a1 thc ..t-h@ d-na;n;n;;t o) t4ot thc ated atw b,.Pt- L,irsx arcs 1cdr5@m,rr

consd€B Ehabte C,qlS[ d*s ,.t grorrr,{"; l,. @ri;;o-*BLng B nat a re6metu2bon to b1,y, sel, u hotrl he bled,ns!

the 6hpany/6ky Rahngs *i ived as ard wtanstates that hn tu fnaid.t 16btt1t whatsowq to the subsu)nnnq.nte a.k nva able tunhout chnec ta the pubh. on the

any nsbLnent ot .ny corDanr ,oted by a;R/S/r. p/eas Mbc,

ptoatled bt the 6ser d obt t$decuacy at the tntotutnn an whgh tht

n d@ rct bdrert on te a *etor ds Mrles my ,,rre olhn

e wrhnl CR/S[ ,s no{ rcrporybr:/ ue6 / tmnshttcts / dshbulus ot

wtb .'te M cnsilcah F., tpSeNre Helpdesk al 1A00 267

Ai\Nexuae \/CATALYSTBelieve in yourself... ftust r\1

dCNJ€Ar Le fr€ e- CCbH TPUsr€€

cL/MUM/20-21/DER/s9

)une 7?,2020

Manappuraft Finance LimitedManappuram Ilouse, p.O . VaiaDadThnssur District.Kerala, India - 680 S67

Kind Attn: Susil (unrar l\4lshm

Dear Sir,

consent to actas Trustee for Rate4 Listed, secured, Redeemabre Non-convertibreDebentures aggnegat,ng upto I 3s0 crores t";;ii;r;;.&;;il;H;:",This is wrrn r(fcren(p ro rhe drsLu.sro,Limitcrr lrornrerrf u,i".;;;;ii:ii'.,lis rn r'sr)(''r .r'rpnornUnrrnr ur crrrr\(r 1'rusteesh,nLrsred, secured Redeemab0., \"n-c""""'.'.h]l']':|,

ri' J'1 '{l'jfr'(r'r'rr"Tru'r,,'r,,rrhcn.,r,i,rs,ueu ry yourcornpan;.;;,;,.;;;::,ll:t': Deb'nrure' JsFreqd(,,,8 Lpro'r 3so c,o,c\ ro bi..onditio;;".,;i;;it-;;;;#;;:;ii]':-Tare aBreeahre to a'r r\ rrtrstce on the terms ande r rustee and rhe comprny.'1'he Company and the Trustee shall enler

itr;,T,::x ffi *,{r h'.:#,.ff rili'jli;ili.illti "i",ifi !i x:: i:'.:'j ;ii ;:il':#

s"cunre.) n"cL,iat;; ;;;;:',i;l'1,::l ::-:',]: :it. l::'rfl,,^,,.rrcand,lrnso,DehrResuratons. 20rs. rs mdv h ,-.i1"-1 ,.;f ;;,,; l::,;,:,,,,'r,J;,

-;l:#,"|i]ClR/CFD/CVD/o/10ts dat|d OcroDcr ,.

^T]a:ld rhp Lrsung ARreemenr pursuani rhfrero tohe c\erurcd wrth Bomhay Stock Exchansef

No. RBt/r0r,,-rr/qAn..r,,-,,,,-- ,, :^,^"ll/l"iona'Stucktxchrnget\iEj,rheRstcircuiar,r,,,,,", ."gur,r;* *;;;;"i;;;;;"1:;;d,:;;:Ilil:ij,:l,:, , Jnd anv otner app,icabrt'

The Company shall enter rnto Acreemenrr0"r,"",,* i,,.i."i n;,];i;";:':;;; i.n:-11,.':-,:::."-i. '",,1,:, hv ReBU,.,(ion ,3 o, sEB,montn" rrom tt," a"i'. olci;;;;';;i;#;::- :]1 JAr.uurnt n) I rr"rtu rhr srrur rt) within thrcr

:1: t.* . "r., .:;."!;il; ;,".,;itl,i: il;.::iil: l i.,:;;i::i:,;J:*llJ; l; lilprovrsrons ot appli(rble laws.

We are also agroeable for inclusion ni uur name as rrustees rn rhe CoDpany,s oflerducumenr/dr.cl,\urc do(ument/ Irsrin..,fplr, I.,,n/Jrv nrhr.r n,runrr.nr r,r hu tricA wrrh rhuSlock l:\chargelslur any other authorrr_y rs r,.qurr.orl

Yours fairhtully,For Catalyst Trusteeship Limited

Authorized SignrtoD,

We Ac.epr thc rbovo i. nsl'or lvlaDappuram FinaDce l,imited

For Manappuram Finsnce Limirec,,

a&v*y"/ Authorf$d SignatoryAuthorized Signitory

c T LY3rrRusrsEsxlpLrMrrED,---. -.,".1*.,--,

l

[:l] lt\ I I RIt\

ANNEXI]R}] V

M OF TSSUANC[]Of SICURI.:D \ON- COrrvIttTtBl_tj. R[]t),}tMArtLE DI

f\r,rrrr 4I\(t) r.0..V.rn.r,,p,,rrrrr 1r,.. r, ,r,,rrJ

I RJr(J ti,rrJ, ,.!,,r.1. n,,n-ri,, !,.

I i.'"**,il,ilill;i, iil:.:lir' ;: "ili,,l:il,,ii,:,,,::",i:;ll.':, Jil

L( . .Jt.,.r I r, rJ. .t, t. | ,,

V J,\1t-( . ,r I irrJ s,r, .,,...i\: htr, ,,,r.L,, d.ri,(.d .,r,J ,i {t,,.rLrl,JllSl lrnit(nN\r | \ctr..!.. r .r(-L...|,rJ,r,J..., ,,,,..'f,i ...' l,il( I)St ..rio \\t,l\. ',it,

, l'ri\.rr. tl.r.L.r. ....r. \clr..\trr,... L

. \Rt ( .. ,J t{(..:J , . \., lt Ir. I ., I i,r. f.,,r (1 r(. .t(..( |

i \irr RBt.

. r,r.rirrr,., r.,.rrr,...

. lurriirt I lJrds.

RSUMMARY OF TE

hec-ec *' ri N;;c[ ]ssuerl-lT)peo n\rrunrrnr

I

frustce

tsrprlrqlSeniorit)

i Mode ol lsirF

ItUral r.sio,r.rt ha,)tr if tndini

r. r ,i.r..r. IL(.r'..t.'.,.\ . (,\.\Llnnr..Ir \, r.,.rr...

I iJrar)!.r ir\l t!ti(!i\. IrilrL,t ru !it lri(tr.i llIirlr.iirl

11.,... . .r . .,..,r r.. ,r. .,r..... rs.rtr r,,.\,...,i

(Jrlhl..I-,.' ...r,\..r.,. :, p..r rtrr... ..r...J.:rr..r:.r,:. r,.,r(S rl.iLi,, .

I'roporcd on lhc U I)\t \c!nr.r)l oi ItSl Irnit.ljDebenlures arc proposed b bc linedLimiled rrlhin d md\irnunr nEflod otDccrncd I)d(. utAllo ncnl

Eligible Inveslors

It_

Deenlcd

L

rhc WDM ot rhe BSIcalendar days liofi the

dltis liorn llrc

t5

t ;;":f,'i,:

Ljsling

the listing ol lhe l)ebentures

l)\

l{r

la) ir c\tcrLlio ol

.\ lnrn (lc!(l \httll lt e\cctrlcd br" lhe I

I)eb.rrlulc 'l nrrltc $ illrirr I nr(nrlhs of lhc clc

.l rt (lclrt ir c\cculion ol the I)chenltrrc lrna\ penal inlercst of al lcasl 2%o p-4. o\

crccuiion ol lhe t)cbenture lrust Deed

sucr in lavour ol lhe

iurc oflhe issue. In casc

st Dced. drc lssuer will:r the CouPon lill lhe

-( tUSlL_ ,\A ,'Slablc bt ( Iilslt_l(s :5

or."h..rinri^n I Amdrrnr

It\ ll)

)jects ol lhe lssue/ Detair ulililallon ol lhc Proce

rc t,jnJ. rdise,l rL-n.r,r, rnc i.\ e ot l)ehe

larr' .pc,rrlr projecr ar .uch lnd rherelol)eh.nr,,rc\ \hnll he utilired for:

L

. ihe general corPorale Purposes I

rcp.r\nlerrl ole\isting debl: And

. b llnanc. the uro\\lh ol ponlblio o

on'lending purposcs lo its underlyilRlll r 'rrr.lelrnr' nrrd .r. ocnnilled l')

s ord' l'r l\.re procee,l. sill nol be used lor dn:

tl .r'\'J i. n,,l p(rrnitleJ h\ ltBl rn(ltrdin!,.',j.r,.r. rt:rr c\l,r( a d u.1 lcndirg ac

l..u.r JUrdles rhal proc*Lh olrhe prc\c', r .r't I i-lu\c $hi(' rra\ he in (onrra!'guidelines/ nonns isslled by lhe RBl. SEBI,nv (ock c\chanse.

L

l\'IJrrS lirll uUlr/aliurr ul r.\r'c procecJ\. I

Iu :n\(\l I\< r.\llJ Druc(cd' ill lnonc\ IniI tl,n,k .nd d.nosils $ ith brnl\.

nlrL tbrlhe

)f lhe lssuer including

f rhe Issucr including t-or

rg borrowcrs in line rvith

RBI for bank finance.

purpose for !',hich bankinvestmenls in caPiial

:ivities. Additionally. llteni lssue shall nol be used

rnlion oI lhe rcgulalions/registrar of company. or

re Issuer shall be enlilledLrkel instrumenls. mutual

ii.t59olep Up/Slep Down CouP NA

our)on pir\ nlcrrl l-Ic!ucrl Annual and on maturit!

orLnof l)a\ mtlrr l)rlc ll .lr ll..:0ll and ll l).c.:0:1I i\cd

'ou|1,!r lit\cl l'] 1,(..\

r. !(lLirS !1.s. :p .ir(1.jli.l \. L[rI.. inlc .n rrl

Not Applicalrlc

)x\ aounlrlercn on Applicalion lv

)ctarLlr lnleresr

Wilhoul pr.'iudicc 1o the olher righls c

(ifl:ludingrhc righl lo crll in l:venl LrfDef.

ln casc Securit) is nol crealed wilDale ofAllolment. l\sucr will Pay

nalablc monlhl] o!er the Coupondays l_rom lhe deemcd date 01 a

condil,ons,rre complied with i

acceptablc to lhe Dcbenlure tlolde

f lhe Debenlure lruslc"'Lrk):

rin 90 days liom Deemed

defauk interesl of2% p.a-

{are liom lhc cxpiry ol90lonnenr l ill lhe atbresaidr thc lbnn and manner's/Debenture'Irusteet and

132

Redcr,ption e,liun-i-

-Rederrption premiurn i

Oiscorrnt-at *n-ictiE r,.irv i.issued

Issue Openin{ Dalclssu. Closirs Dalc

Deerned Darc OlAllotmentMarLrrit.v Dare I Rcdcrnprrbn

Calloptlon / pur Opri;

lssuancc uodc of tlte

TradinS ntodc 0l irrsrrurrcnlRedemprion moaiof --instnrlncnt/seltlenrcntmode/mode o selllententPrincipat reaernptiorr ti-equericrimcrable tor pLincipat

Business Day Convenrion

l8 mondrsl{s I t r - t I t I . I I { I { r , - pcr tt('irc, iir Lr

\or \t1t)li.lh I r 1,.rr I.l\- I).([].1)t)0 tlri l.h.rirurr

/ or principataI rhe rare L,t

Rate rr itt bc I

---!-l_=. in,case i,t Llctallt r,t pd\Ir( l ot .ntfrert anreoernfltor.,I ll(,,|Ue d.rtc nor||tinn/r int(r.,51

::0 pn, pdiJhtr ,,,onrhJ) otJ rh. ( o.jpu

Pa)dole b) rhc Co ,Dafr

Nol Applicable ll

V;nimurn eppticinte andmulliple o )ebcnrureslhcrealicr

Manner lbr paymejt w--lnveslors

Efticr ot tlolida_vs

Rec"r,i Date -

22 June-20i022-Junc-20102l-.lune-2020lr .lLrr. llrl1

:l-Dec 202 t

I{s. 10.00.000/-Its. 10.00.000/-

I and in nr!triptc\ ol I Dehcflurcs thcrclficr

1r.'\L) LI\ r) rttitfr I I .r ){r trr I l I I

I

De-Materialized Onl,-

). \l.Li,.r rLlr/r(t ( )ir .

()n rriaturir\

l

llf a Coupon pa),tnent Date l.alls on\h;ch i\ nor a B,i\rnc\\ t)a\. lhcfallo$in! Businc\. t)rr. In rernciraI)'$hlre lhc RlJc plr,n l)drc uror a holiday or a da! \vhich is nolArmounr pa)ntent sha be madeBusine\\ l),!

a holida\ or a Sundar,or a clar, ]

pa\nrent shflll bc made on thcol .ir\ t)ir\rncnr ol prin.ip,rt ii

lh( Il(bul]rur(s tJtt\ oI .r \u,r,t,\a Bu\incss j)a\. rir( R(demorio;,on rhe imrnediarcI prcviorrs

I S dns prror ro tach (:o,,p,,,, t,,,.,,,"nr Durc, trtrtr:rlpiioriitrlc

Ihe Don-convcrtiblc dchi:ntures \\ould h.tr4res ofdrc receivables oflhc Compan)

sccrrrcd r irh mrrrgil

securir)

D"f*r,o" Li*i"'". *.p."iiically set out in and tully described in the

I)cbenlure lrusl Deed. except those receivables specitlcall)' and

{\clu\r\cl\ chnrced rn la!otrr ol cenain erislilg tharEe holder: 'uch,,'n,..,.,.,ir',' i;\(-.)l'nooo of rhe our.landilg prin(ifal amorrnl' oftlr< Dr'..rlurr..r)d 'rrr<r<\r

lhercon i' nlrinlaihed al dll lime trnlil lhe

lhe drlc ol crcalion of securityi wilhin 90 rlays ol dcerned dale ol

An\ rcvAl rtion or rerrluation of securit] intcrcst lo the

(iei€nturc holdcr over rnd nbovc thc corpon rate: Not applicable'

n,d ilrgll" d"til-n 16 ci 30. December 3l and

Qua(cr [nd I v,-J i i orrr,e *arCapital Adequacy \\ill bc lested on y Basis and should not

\l.nr r. ol lttrl!l irg\1.; .. rlt ,, "t . tt '

i0l.\.,r l(c.rrurr.rtrrlr rt\,,1 . l 'l(' '\ rl

I Mdde ol Allocarion' Allocarion (Jnitonn yictdr ,.,] ,^" I

lhis nalure. including but nol limiled lo:. Cnrpurdle e\r'lc"ce. po"er and authfrity:. I .J-al !a'idir' dnd hirrdrng n.rl.rre ollhe lransaclron:. (lorDurJlc alrlhori/alion\ and Lon\enl':. r'on conlrd\erru(\n ol'con.ltlulional doclrlnenl' and hinding

nalure ofthe srme:No oulslanding detaull or !naterial liiitsation:

N,, !rulJrruf ul lut ur nratr'riala8re4nrent'.N,t or r ltrenLr oi'ir mirlerial ad',crse eltecl;No litigalion thal nra) have a m4terial adverse eflect on

operation of businessi

No insolvenc) l

Cornplelcne\s and accuracy of linantial slalemenls.

I und procecds under lhls transaclion shall onl\ be applied in

accordancc \\ilh ihe cnd use as slalcd in lhis lerm shcctl

An clcnl. circLrnrslirncc. occurrence or condilion which has

causcd. as oI an] date ol dclerlrlinatiorl, or could reasonabll bc

c\pccted 1() cause an) material adverse eftact on or a material adverse

changc in (a) lhe ability oflhe lsstler.lo perlbrm its obligations under'liansactior l)octrncnls: or (b) legali!y or the validily or

cnli)rceabilil) ol lhe liansaciion Documenls or lhe righls or remedies

ol Dchenlurc llolder(s) /henelicial owre(s) theretrnder'Malerial Adverse LilLct

l:\ crrl ol l)clrull

provided including bur

tl

Ileference lo lhc $ords _rnaierial or "reasonable shall mean

''reasonable' or "malerial in lhe opinion ollthe Debenlure Irustee as

decidcd b."- i rnaioriiy (51%) ol lhe debentuie holders by value.

( usrorrirrl lo lrrnsactiorrs of lhis nature to

fol Linrilcd l0lh. lbllo\lngi

. \, ,.pa\meI ol an\ amounl due hnd palabr( rn re\pecl olrhe Debenlure. and rhe Iransaclion Doctrmenls:

. Farhre lo mainlarn secrrrir) cover:

. crcss dci_aulr - Olhcr lhan delaull ol thc presenl issue. il-lheissucr or an) olher enlitr_ wilhin the Ctotrp. is in dclault

uidcr the tclrns xnd conditions of an! isstrancevobligationsl undcr o rcr iacilllies and receive$ such nolile of evenl of

134

'I ransacliof l)oc!nrcnls

Condilion precedent

Condilions Subsequent

e D,\ lo.'urc l)ucu ruri \,).rlt jo\er tr.( d,.rl,,.urc r(qUI(, (.Irr o,i,oJJ\llL,#0,"

I nt,cr rtr( rirrro$,r+ rnr.acrio,) d,\u reIr

ti) Debenlure Trusr Deed a d{I) Seeurirt l)oc!nrLnl\

A cenitieo tru< LUpJ L,l rlr( (e iti(ar< ot ,ncorpural.ol ot therssIcrloB(.rtr(r $ith itr.oI.lit, i,Iat docuDrc|lt.

:.::11,1.-l^" :"nl ot a re\ot!rion oirhe hoard or c,irecror.u, ,xc rssuer unoer Secrion liq o, rhc (.umpdDics qct/\ Centlre(, rr.,c (nl) ot I rc\nil r,,n ol rhc hoard ot:11".,"i,.:,

,he t(\r,cr a, h,,rili,r! rtre con,r , ion or rher rnan(ral Itc,oIrLe.,Ir.t Vnn.,r" rr..r, r o|lrrn,rr+../\ ccnrrrud rr.,e (op\ ot ,, r, r,t. in,, ,,t rh( t. J Cr.rI

:^:::,"*. ". Ma dts n(.l,r ( u .,,r,rr!( d,,rrru,,.,,,,! Ir(specrrr( tefins or llre irsu( ut the D(bcr u;\ Ilaccordan(e \\ irh thc hoard rc\oL,trun retcrred aho\e(,enrlled, Irrr. culr(\ ot tlr( 5ne(:al re.orution. ot. lhe)1j.*]".: or. rhe r.\Ucr under Secri,,rr )8,, "r ir,.

Rcc\'.tr ,,t .,.r(Jit ritrnr t.rr., l,,r rtr,. t)(h(ItrrrL\ lr,,rnC RI

Cunse r l tlr lo a(t rs ReErsrrdr dnLl tralllo) sND( ('un5ullarrls I rrrr(d. 'l(r Alerrl r"u(:tl

Con.ent lelrcr frotn Debellure jr.r\tee I

.l:":ll .1 ,* r5lN rrorn rh(.Drp,,siror) ror rr,e i.,u,,,.".r ilhe Debenlrrr(\. - "-*^'"']Such orJw.cnndrrinn. trrcrrJ(nt a\ ,n.,, tc .er .,,, ,,, rt. ]I rcbenl,rr( I|lt\l l)(.d.

( eni,ied tnre Lop) ol dll L,,rpo(,t( a!rion.arrolrnu rhe Deh*rr(rre). ' apptt'tittg anJ.

L\enUrion o, lll( dehellllrr< tr,,,r dJed aId rtr. ,.cur;11 ]

\rIn rhc_ tci i'J,i- (\t conrp. ,,c\ l, ,t,,. f*,,". 1,,^,,rri,"\Lcli"r, - _,,' ltr., ( .rt,nJr, (. \L I

lrJrr! ot rr(tI r,,t Jll,,tr\.r,t ,,r, tlr( r\.lr( nt tll, DJh.rrture.

;1.1,:li,J';t.'i:::::"":t'.: -ttt: tr,,ry ". L -b,,(,,,

I

l

\

I135i(<(Y,

da],s iiom lhe Deemed Date ofAIlolr. All necessar) aulhorizalions/no_obj

exisling sccurity holders for the issr

and creation of security over the m

hlpothecaled assets.

. SLL.h olhrr conLliliorrs strbsequenl a

Dcbenlurc lrusl Deed.

ction leners from the

ance oI the Debenlures)(gaged asse6 and lhe

ma,,' be set out in lhe

)verning l.aw &.lurisdic

Subjecl to sub-clauses belorv. the

MLr!nbai have e\clusive iurisdiclioarislng olrl ol- or in conneclion

(including a dispulc regarding lh(

Lrnnin.rli()rr 0l lhc Dcbcnlure

accordingl). any legal action.

(colleclivel) referred to as Procee

in conncction $ilh a Dispute maY

courts and lribunals and lhe Islbmil lo and acccpt for themselve

propcriy. gencrall) and unconditio

lhose corLrls and lribtrnals.

lhe oour{s and lriburtals ol Mumba

and con\cnicnt couns to scllle Disl

panies will nol argue to lhc contr:

irrerocably traive: (a) any objectio

laling of the venue of any Proce

trihunals ln MLrffbai- and (b) ar

Prccccdings havc been brought in

and (ii) irrevocably agrce lhal ajud

broughl in the courts and tribunal:

conclusive and binding uPon the

in lhc cou(\ and lrihLrnals of any

to lhe laws ol such jurisdictior

iudgment. a cerlified coPY of !v

cvidence otsuch iudgment. or in a

by law.

-ounr and lribunal\ ot I

r to icllle dn! disPulc

\!irh lhe Debentures I

eri\lcnce. \ alidit) or

,l (ir 'Dispule r and l

surr or procceolngs

lings ) an\ing our ol or

be br(Nghl in thosc

aflies shall irrevocablY

i and in rcspect of their

rally. lhe iurisdiction of

are the most appropriale

uies and accordinglY the

ry. lhe parties shall: (i)

nolv or in tuiure. lo lhe

rdings in dre couns and

) c!aim lhal any such

2n inconvenienl foruml

ment in any Proceedings

in Mumbai shall bc

n and ma) be enlbrced

)iher lLrrisdiclion (subjecl

)b! a suil upon such

rich shall be conclusive

ry other manner Provided

136

\\\F\l Rt Yt

TP,\RI'\

I_tst ol t] :\ KS \\ Il.lt \p[( It.tc c ,,\R(;t.]

r rr ti-l'l^x-i-_ ,nt Liln DP Ii u ircd20ttt

B,\\h\ \\ I Ilt t,\

rgi Coveraqe

l.lst ()t .l tPA

E

I'T I}

sslr ( lIAti(; E () RIt( l.]\'\Bt.t.ts

I NA B:1II D :i),11" I rIc!7.70{)

nr r,rD t \ct t.t(rc5.-t.l

\(; RI'SSU CIIARCE oN cut tE\ t AssrTs INCt.tit) a t.l

ANNIXURE.III

LIST OF BANKS WII'II PARII YA BI,IS

stNo

llank Nxnrrrlynrgin/

Coreragr Dl'Rcqr

I ANDI]R I] NK 700/0 5.lti 6 r00) IDAI BANK )00,n r 500 5.6ti

I\I\ M^HIN DRA I]AN Kl..ltl

t..r i I -l lI SOI]IIIINDI \ BAN(

20roSYNDICA IE BAN(

L UNION BANK OF IN'IA6,000 8.000

1 LA IT'ULIL 5YRIAN BANI

109.;

/10

1.000

L

)00

I

l

- __l

IJ

()RIltN tAt lltN((!Nt\1t,R( l:

)l

ta':- I.t

I t(,\

B\' ll\

t/, Rtl

ri ]rinrr eqx(oirrloi,r l:*2.500

I ltl

I0 :r6l

t.950

2.151

t<lr,ti rt xe B,qNr

rt ot' n,rtroo.r (vtl,tr'.rNK)

t. nar,L

N,ru,t SANr

lClrrr rt,lr.ll -

-

__f_2.000

1alr.ooo

Il0o,;

l*"l,-

() Q,\ r\R \ \ llr)N \1. ll,\\K

l0

10"."

llA.lA.l I lNAN( l: l- I l)t.

-.r IrNl)rANBANK

,, l-on*,or a.w( f:o;.'" 1ji-.t: l)l \\l \\\llll.\\l\ llrr, ilo

l

t-''.'.- - Lrnr nrvsvinA\K f-;.,,,,",50*or.1u11r. r'rr'''rr',cr,l-" CORPORA I ION li"a l l00

I - t* ';- rnc,,a^Gr 1 ]sBl l :ll lNstlR^\clll a,rrr,,^^v t trtttr.r, ro', lt.rxto

'r ]r,,1get'x T0"" '.noo

,, i.r;^* ] t- fr-irr \r r \ll \11 \l) ll \\l( I ',,

Ilt I Nlll:l) ll^\|\ 0"

:.000

1..100

t00 l,l5

-= 917

1.000

500

1.875

1.000

1r.000

138

AXIS BANI.

t(.lct llANt

1i.orJr3 - 11J6-t6s

cross Interesl accruLessi provision

accrued balance

VEI] Loans (Rural aDd Se i UrbaD )andOnlcndin{ lo Mf-l,s tar(Std.Assels)

Less:

Cold loan balance aod Iexclusivel! charSed ibr[AnDerure l]

(iold Loan balancc

Cross Cold loa| ba[,ess: provision

balance

Inlerest acctucd balancekran balance

Less: NCD public lssue I

Less: NCD public Issue I

l-ess: NCD public Issue I

l-css: \hhtndl1r \11

L-cssr l( l( lt)rudcnliat

PAR'I'D

SECURITY STA'TUS

Coycr Slalcnrcnt ns nt Iunr(h jt. 2020

Pt!.0Il!]lc!!L4nan!!Lrr,, irrd

e {o$,ards (lold loan

lirtIrS l. lho\. !L,t,l

to bar)ks

t.73.901.31

Srrur.it\ ( ,,\ cr

I

l

1

IR]

IC]

l|:rhncc tirail.rblc lrs p:rr.i u charge lirrN0n (to'r\ rrlihlc t)r rcs (NCD) :rnd ltsI)(,llnr In,,td issr,(t b.r ('r,llrpan\

f!.1 =

tAl,tIrl+lC

I.IDIcoverage

coverage( 150.52)

(2.312.21)

( t.279.01)

( l50.cl0)

(2.000.00)

t50.51

l.-'t.t:.:l

1.179 0.1

1i0.00

:.000 00

t.00

t.00

r.00

t00

1.00

Its. iD

nrilli0ll

t.69.68t.78

(6 r5.99) 1.69.015 78

(710.13) 11.s55.51

(6.679.00)

139

S

No. Ils. innrilli0n Ilcl

)

t-css: tCICI Prudentiltl AN'lC

l.css: IDIC Brnk I-td

(:.000.00)

( 1.666.67)

(:.s00.00)

(:.000 00)

(t.500 00)

1.000.00)

(:.:s0.00)

1:.000.00)

(:.000.00)

(6.:50.00)

(11.00)

:0.617..1,1

I .l 78.i8

l5.l9l.6l

2.000.00

3,500.00

1.000.00

1.666.61

1.500 00

t.250.00

:.000.00

2.000.00

6.250.00

10.00

:.000.00

Lil0

1.00

1.00

L00

100

L00

1.00

L00

t.00

1.00

l.l0

1..:\: Slll \lttt ,tl l Lrnd

l.css KorLr[ ]!lahindra

l.c:s: NCI) - Adirla Ilirla !11'

Lc\\ NCI) ,\dil\a Birlir lrirrttrrce

Lcss:NCI) - lvlorgan Stanlc)

l.c\srN( l) - ltclicnce

Lr\\:\( I)-SIll

llIt

l-ess:N( l) -lll)l (

ess: NCD - A K Capital with I I00% coverage (l r.1:1..16)

t S Dollar Uond lst lranche($100million)

Baluncc arailable as Iaripns\u chrrgc for

Banks & Fls

I i'ss lilnkr rrith l'aripa\\u chargc on

Rcccivables lAnnc\ure ll

,\dd: O(her Assels

( :,.11r rrl llurrl l,:tl,tttec.

Lo ns & ^d!anccs

c\cept as nrentioncd

in lCl

Less: Lixbilities ofother paripassu chargc

holdersllanks with Paripassu charge on Currenl

Assets IA!ne\urc Jl

L,,.t is.uor - ]

t.l4.6l6.114

l,o,-*, 1 ,*,

1i,,,l.rl , tK

;.*r!1.21.J91.ll-l

II']

tcl

IHl =

IE].tFl-IG]

illIJ]=tHl -

trl

I

,l

L

I ,5 I ,6 I 6.211

140

( 1.26.568.00) IMI

t

ItetaiJ NCD

] I2 I fxccss securitl

--+--LI ll.l l) I 0(ll\l

at aila blr I

25.005.97

lo1=lLl-IMI.INI

141