TEAR HERE

ACKNOWLEDGEMENT SLIP FOR APPLICANT MUTHOOT FINANCE LIMITED - NON-CONVERTIBLE DEBENTURESs”) (“NCD

Received From Acknowledgement is subject to realization of Cheque / Demand Draft. Demand / Cheque of realization to subject is Acknowledgement DETAILS Having read,understoodandagreedtothecontentstermsconditionsofMuthootFinanceLimited’sProspectusdated To, The BoardofDirectors, Dear Sirs, to, orseekingallotmentofNCDspursuanttotheIssue. Notwithstanding anythingcontainedinthisformandtheattachmentshereto,I/weconfirmthatIhavecarefullyreadunderst as nominee(s)ofanypersonresidentoutsideIndiaand/orForeignNational(s).I/Wefurtherconfirmthatapplicationsmadebym such actsandsigningdocumentsasarenecessarytocarryouttheirdutiesincapacity.I/WeacknowledgethattheNCD We herebyagreetoaccepttheNCDsappliedfororsuchlessernumberasmaybeallottedme/usinaccordancewithcontent persons residentoutsideIndiaand/orforeignnationalswithinthemeaningthereofunderForeignExchangeManagementAct,1 Issue, includingthemeritsandrisksinvolved,(ii)our/mydecisiontomakethisapplicationissolelybasedondisclosure PAYMENT DETAILS APPLICANTS’ DETAILS OTHER DETAILS OFSOLE/FIRST APPLICANT THIRD APPLICANTMr./Mrs./Ms. See GeneralInstructionno. PERMANENT ACCOUNTNUMBER Category I Category II EACH, (“NCDs”),AGGREGATINGUPTO PUBLIC ISSUEBYMUTHOOTFINANCELIMITED,(“COMPANY”OR“ISSUER”)OFSECUREDNON-CONVERTIBLEDEBENTURESFACEVALUE ADDITIONAL NCDSAGGREGATINGTOATOTALOFUPTO ACKNOWLEDGEMENT SLIP Category III City (of Sole/FirstApplicant) ADDRESS (In caseofminoronly) NAME OFGUARDIANMr./Mrs./Ms. NAME OFSOLE/FIRSTAPPLICANTMr./Mrs./Ms. SECOND APPLICANTMr./Mrs./Ms. SIGNATURE(S) Options Grand Total (I+II+III+IV)( Amount Payable( No ofNCDsappliedfor(B) Redemption Amount(PerNCD) Redemption Date Tenor Category III in CategoryI,IIand Effective Yield(%)forNCDHolders Effective Yield(%)(perannum) Category III in CategoryI,IIand Coupon Rate(%)forNCDHolders Coupon (%)perannum Credit Rating-CRISIL Credit Rating-ICRA In Multiplesof Face Value&IssuePrice( Frequency ofInterestPayment Options Minimum Application Total NumberofNCDs(I+II+III+IV) Grand Total(I+II+III+IV) ( I IV III II • PleaseNote: ( Beneficiary AccountNumber DP -ID Depository ParticipantName Depository Name(Please INVESTMENT DETAILS While submitting theApplicationForm, theApplicantshould ensurethatthedatestamp beingputontheApplication Formbythe Lead Manager’s/Broker’sName&Code ` ` ` ` ` in figures) ( infigures) Cheque/DDshouldbedrawninfavourof JM FINANCIAL Face Value

StatutoryCorporation

` ` ` ` ` ` ` ` Companies/BodiesCorporateRegisteredSocieties PublicFinancialInstitution ` ` ` ` ` ` ` ` ` ` ` ` PartnershipFirmsinthenameofpartners ResidentIndianIndividualwithaggregateApplicationAmt.upto 1000/- 1000/- 1000/- 1000/- 01/0325-0 (A) applied for (B) (A x B) x (A appliedfor(B) (A) • ` ` ` ` ` Demographicdetails willbetakenfromtherecordsofDepositoriesforpurposerefunds, ifany. ) (AxB) CREDIT RATING:‘[ICRA]AA-/STABLE’BYICRAAND‘CRISILCRISILFORANAMOUNTOFUPTO (See GeneralInstructionno. 3 ` ` ` ` ` MUTHOOT FINANCELIMITED, RegisteredandCorporateOffice: `) `) `) `) `) /NCD)(A) ) ` ` ` ` ` 43F ) MUTHOOT FINANCELIMITED oh 8 1, India. Kochi 682018, on page118oftheProspectus. and Lakshadweep.ForfurtherdetailsregardingchangestothenameregisteredofficeofourCompany,seesectiontitled“Hi Limited” andreceivedafreshcertificateofincorporationconsequenttochangeinstatusonDecember02,2008fromtheRegistr “Muthoot FinancePrivateLimited”.OurCompanywasconvertedintoapubliclimitedcompanyonNovember18,2008withthename name “TheMuthootFinancePrivateLimited”.Subsequently,byafreshcertificateofincorporationdatedMay16,2007,our Our CompanywasoriginallyincorporatedasaprivatelimitedcompanyonMarch14,1997undertheprovisionsofCompaniesAc Company SecretaryandComplianceOfficer: TotalPayable Amount IN (Mandatory) National SecuritiesDepositoryLimited(NSDL) No. of NCDs “EscrowAccountMuthootFinanceNCDPublicIssue” 4mnh rmte3 otsfo h 0mnh rmte66monthsfromthe 60monthsfromthe 36monthsfromthe 24 monthsfromthe

Commercial/Co-operativeRegionalRuralBank VentureCapitalfundsregisteredwithSEBI 4mnh 6mnh 0mnh 66months 60months 36months 24 months emdDt emdDt emdDt DeemedDate DeemedDate DeemedDate Deemed Date fAlteto lomn fAltetofAllotment ofAllotment ofAllotment of Allotment ` Repayment oftheFaceValue plusanyinterestthat 30%1.5 32%13.43% N.A 13.25% 13.25% 13.25% 13.25% 13.00% 13.00% Tel nulAna nulN.A Annual Annual Annual 1,000 : (91484)2394712; IIIIV III II I Option II,IIIandIVeithertakenindividuallyorcollectively) may haveaccruedattheRedemptionDate. (Compulsory) Pin Code 70559 CATEGORY (Please ` ` ` ` ` ` ` ` ` ` inwords) 2,500 MILLIONWITHANOPTIONTORETAINOVER-SUBSCRIPTIONUPTO Registered andCorporateOffice 43H ` 5,000/-(5NCDs)(foralloptionsofNCDs,namelyOptionsI, ‘CRISIL AA-/Stable’foranamountofupto ‘[ICRA] AA-/Stable’foranamountofupto SOLE/FIRST APPLICANT SECOND APPLICANT THIRD APPLICANT THIRD SECOND APPLICANT SOLE/FIRST APPLICANT ) Sub-Broker’s/ Agent’sCode ResidentIndianIndividualwithaggregateApplicationAmt.above Amount Payable( Please fillintheFormEnglishusingBLOCKletters ` 500,000 RajeshA.; MUTHOOT FINANCELIMITED Fax Registered andCorporateOffice Banerji Road,Kochi 682 018, India. Officer : www.muthootfinance.com; ` s contained in the Prospectus, (iii) my/our applicationforNCDsundertheIssueissubjecttoapplicablestatutoryand/or s containedintheProspectus,(iii) : (91484)2396506; 1,000 999, asamendedandrulesregulations,notificationscircularsissuedthereunder,(v)I/wehaveobtainedthenecessary ood thecontents,termsandconditionsofProspectus,intheirentiretyfurtherconfirmthatmakingmy/ourinvestmen RajeshA.; February 23, 2012, (“Prospectu e/us donotexceedtheinvestmentlimitonmaximumnumberofNCDswhichmaybeheldbyme/usunderapplicablestatutoryand Tel 3 3 3 3 3 ` ` ` ` ` s willbeparipassuwithothersecuredcreditorsandhavepriorityoverunsecuredcreditors.I/Weconfirmthat:Iam/Wea s oftheProspectussubjecttoapplicablestatutoryand/orregulatoryrequirements.I/Weirrevocablygivemy/ourauthorityand

: (91484)3535533; Public/Private Charitable/ReligiousTrusts ) ` 5,000 MILLION,HEREINAFTERREFERREDTOASTHE“ISSUE”. 1,000(1NCD) : MuthootChambers,OppositeSarithaTheatreComplex,2 ` ` ` ` ` by allapplicants.Itshouldbecrossed“A/cPayeeonly”. ) Tel : (91484)3535533; Website Drawn onBank______Branch______Cheque /DemandDraftNo.______Dated______Muthoot Chambers, OppositeSaritha Theatre Complex, 2 TEAR HERE Cheque/Demand DraftNo. Telephone Email submitted and Cheque/Demand DraftNumber andnameoftheIssuingbank. options applied for,NumberofNCDsapplied for,Date,BankandBranchwhere theapplicationwas INR000004058 QuotingfullnameofSole/FirstApplicant,ApplicationNo., Typeof Registration No.: Sachin Achar,SEBI www.linkintime.co.in, ContactPerson: Email: [email protected], Website: 0329, Toll Free: 1-800-22-0320, Email: [email protected], Investor Grievance (91 22)2596 (91 22)25960320,Fax: L.B.S. Marg,Bhandup(West), Mumbai400078,India.Tel: Registrar totheIssue All futurecommunicationin connectionwiththisapplicationshouldbeaddressed tothe Drawn on(NameoftheBankandBranch) `

InsuranceCompaniesregisteredwiththeIRDA ProvidentFund,PensionSuperannuationFundandGratuity 1,000 Fax s”) I/Weherebyapplyforallotmenttome/us;oftheundermentionedNCDsoutIssue.Theamountpayableonapplicationf : www.muthootfinance.com; : [email protected]. • Bankdetailswillbeobtained fromtheDepositoriesforpaymentofInterest/refundredemption asthecasemaybe. : MuthootChambers,OppositeSarithaTheatreComplex,2 : (91484)2396506; Tel ` ` 6,000Million 6,000Million

: (91484)2394712; HUFthroughtheKartaaggregateApplicationAmt.upto Fax Bank BranchStamp LINK INTIMEINDIAPRIVATE LIMITED, : (91484)2396506; ` E-mail 500,000 ` 1,000 ` Email : [email protected] 2,000 Company SecretaryandCompliance (16 digitbeneficiaryA/c.No.tobementionedabove) Central DepositoryServices(India)Limited(CDSL) : [email protected]. Fax •

Pleasewritethesole/firstApplicant’sname,phoneno.andApplicationonreverseofCheque/DD. E-mail ar ofCompanies,Kerala story andMainObjects” : (91484)2396506; nd

Scientificand/orIndustrialResearchOrganisations Floor,BanerjiRoad, E-mail “Muthoot Finance waschangedto HUF throughtheKartawithaggregateApplicationAmt.above t, 1956,withthe : [email protected] been rated‘[ICRA]AA-/Stable’byICRAforanamountofupto Credit Rating: priority overunsecuredcreditors Nature ofIndebtedness: form, willfulfillsuchrequestthroughtheprocessofrematerialisation. of theApplicantswhowishtoholdNCDspostallotmentinphysical terms ofSection8(1)theDepositoriesAct,Company,atrequest will makepublicissueofNCDsinthedematerialisedform.However, Day countbasis: Allotment Advice/regret. resolution oftheBoarddatedJuly 25, 2011, andasmentionedon the as decidedbythedulyauthorisedcommitteeofBoardconstituted Deemed DateofAllotment: or thedateofrealisationcheques/demanddrafts,whicheverislater. Pay-in date: no. 36. or withdrawnapplication.ForfurtherdetailspleaseseeGeneralInstruction receipt oftheapplication,whicheverislater,subjecttonotbeinganinvalid of thecheque(s)/demanddraft(s)orafter3(three)daysfromdate Interest onRefundMoney : please seeGeneralInstructionno.35. date ofreceipttheapplication,whicheverislater.Forfurtherdetails realization ofthecheque(s)/demanddraft(s)orafter3(three)daysfrom Interest onApplicationMoney: constituted byresolutionoftheBoarddatedJuly 25, 2011. as maybedeterminedbyadulyauthorisedcommitteeoftheBoard March 17, 2012 withanoptiontocloseearlierand/orextenduptoaperiod Issue Schedule of theProspectus. please refertothesectiontitled“ accordance withthetermsofDebentureTrustDeed.Forfurtherdetails Security : Depositories : Trading Lot: Issuance andTrading: Stock ExchangeproposedforlistingoftheNCDs: Issuer :MuthootFinanceLimited COMMON TERMSOFTHEISSUE: * rationale fortheaboverating. Please refertopage287293oftheProspectusforratingletterand to buy,sellorholdsecuritiesandinvestorsshouldtaketheirowndecisions. servicing offinancialobligations.Theseratingsarenotarecommendation the NCDsbyCRISILindicatesahighdegreeofsafetyregardingtimely of safetyregardingtimelyservicingfinancialobligations.Therating February 06, 2012. TheratingoftheNCDsbyICRAindicatesahighdegree CRISIL foranamountofupto million videitsletterdatedFebruary 06, 2012 and‘CRISILAA-/Stable’ by In termsofRegulation4(2)(d)theSEBIDebtRegulations,Company Bankmatches withthedatestampon theAcknowledgement Slip. (Compulsory forminor) DATE OFBIRTH regulatory requirementsinconnectionwiththesubscriptiontoIndiansecuritiesbyme/us,(iv)I/weam/arenot C-13,PannalalSilkMillsCompound, nd Security forthepurposeofthisIssuewillbecreatedin Floor, BanerjiRoad,Kochi 682 018, India. SU LSSO:SATU ISSUE CLOSESON: : ISSUE OPENSON Website Bank BranchSerialNo. statutory and/orregulatorypermissions/consents/approvalsinconnectionwithapplyingfor,subscribing nd 3 (Three)businessdaysfromthedateofrecieptapplication ` 500,000 Floor, 1 (one)NCD t decision:(i)I/wehavereliedonmy/ourownexaminationoftheCompanyandterms NSDL andCDSL The NCDsproposedtobeissuedunderthisIssuehave *: The IssueshallbeopenfromMarch 02, 2012 to Application No. : re IndianNational(s)residentinIndiaandIam/wearenotapplyingforthesaidNCDs Actual/Actual Dated consent toIDBITrusteeshipServicesLimited,actasmy/ourtrusteesandfordoing (ONLY FORRESIDENT APPLICANTS) Application No. ` ` ` ` ` 2,500 MILLIONFORISSUANCEOF /or regulatoryrequirements. Compulsorily indematerialisedform Pari passuwithothersecuredcreditorsand APPLICATION FORM 13%perAnnumfromthedateofrealization

NationalInvestmentFund MutualFunds Deemed dateofallotmentshallbethe ` ` ` ` ` 6,000MILLION ` Issue Structure 6,000.00 millionvideitsletterdated dm yyy yy mm dd 13%perAnnumfromthedateof FRIDAY, MARCH02,2012 or thebelowmentionedNCDsisremittedherewith.I/ 7700146 RDAY, MARCH17,2012 Date

Limited liabiitypartnership ` Date ” beginningonpage193 500,000 Bank's Stamp&Date AGE d /my Date ofReceipt d /my BSE * ` ` ` ` ` ` 6,000.00 1,000 years

Crystal [email protected] MUTHOOT FINANCE LIMITED : COLLECTION CENTREES FOR APPLICATION FORM Bijapur 1st Floor, V/K/G/ Complex,M/G/ Road, Bijapur 586 101,Karnataka T. 08352 – 224194/95/96, Calicut Ground Floor, Marina Mall, YMCA Cross Road, Kozhikode 673001 T. 0495-4015023, Chennai 82, Dr.Radhakrishnan Salai, Mylapore, Chennai - 600 004 T. 044-28306828, Ghaziabad Plot No. III, N/30, Ambedkar Road, Nehru Nagar, LIMITED Ghaziabad 201001 T. 0120 - 2757115, Extn - 21, Gulbarga Jawali Complex,Super Market,Gulbarga 585 101, Karnataka T. 0847 – 2275976/86, Gurgaon SCO-29, Sector-14,Near Plaza Solitare Hotel, Old Delhi-Gurgaon Road,Gurgaon-122001 T. 0124 - 2308751, Indore Kamal Palace, 1, Yeshwant Colony, Y N Road, Indore - 452003 T. 0731 4295208, Jabalpur Grd & 1St Flr, Panchratna Blg Plot No.902, Model Rd,Wright Town, Jabalpur 482002 T. 0761-4027727, Karnal 3/250, 1-Shakti Colony,Mall Road, Karnal 132 001,Haryana T. 0184-2257556, Kochi/Ernakulam 41/419, Ground Floor Chicago Plaza,Rajaji Road, Ernakulam, Kochi 682035 T. 0484-4411001, Extn - 4014, Kolkata Ground & First Floors, 7, Shakespeare Sarani, Kolkata 700 071 T. 033 - 22822933, Extn - 140, Ludhiana Shop No.3, LGF, Surya Towers, 108 - The Mall, Ludhiana 141001 T. 0161 - 4684602, Mangalore Essel Tower, Ground Floor, Bunts Hostel Circle, Mangalore 575003 T. 0824 - 2410981, Meerut Hotel Crystal Plaza, G -2/47,Civil Lines Boundary Road, Meerut 250 001, Meerut District T. 0121 - 4012300, Extn - 310, Mumbai Universal Insurance Bldg, Ground Floor, Sir. P. M. Road, Fort, Mumbai 400 001 T. 022-66107365, Newdelhi “Statesman House”, 148, Barakhamba Road, New Delhi 110 001 T. 011-23311051, Raichur Mpl No/ 1-10-151 & 152/1,Kubera Palace, Station Road,Raichur 584 101, Karnataka T. 08532 – 225699/79/, Siliguri Spectrum House,Sevoke Road,Siliguri 734 401, West Bengal T. 0353-2431437/2431917, Sirsa Plot No 17/339 & Plot No/ 17/340,Sangwan Nursing Home Complex,Sangwan Chowk, Dabwali Road, Sirsa 125 055, Haryana T. 01666-235192, Thane (Mumbai) Mohan Three Wheelers Ltd. Showroom, Dheeraj Baug, LBS Marg,,Naupada, Thane (W)400602 T. 9167000612, Thiruvananthapuram 2/2421, Condor Building, M.G. Road, Pattom Po, Thiruvananthapuram 695004 T. 0471-4400720, Thrissur City Centre,Xxv/1130, Round West,Thrissur - 680 001, Kerala T. 0487-2335820, Varanasi Tulsi Complex C-19/134, M-B,Gr & 1St Flr Shastri Nagar, Sigra, Varnasi 221002 T. 0542 - 2222139, Bellary Door/S No/8, Main Road,,Siddartha Complex, Parvathi Nagar,,Bellary 583 103, Karnataka T. 08392-267171/78/80, Gandhidham Plot No.349, Sector 12/B, Gandhidham 370201, Kachchh District T. 02863-668100, Haridwar 6, Hari Nagar, Opposite Hotel Classic Residency,Main Haridwar-Delhi Road,Haridwar 249 407, Uttarakhand T. 8006403582, Hassan Ground Floor, Lalitha Krupa, B M Road, Hassan 573 201, Karnataka T. 08172 – 231137/231149, Kancheepuram S/ No/ 60A, Gandhi Road,Kancheepuram 631 501,Tamil Nadu T. 044- 27235122/5422/5622, Khammam 11-4-16&17,,Sri Harsha Complex, Vyra Road,Khammam 507 002, Andhra Pradesh T. 08742-243116, 7, Nagercoil Thayammal Harris Towers,,No/ 42, Court Road, Nagercoil 629 001,,Kanyakumari District, Tamil Nadu T. 04652- 220940, Nanded “Nikhil Heights”,Vazirabad - Bus Stand Road,Nanded 431 601, Maharashtra T. 02462- 245442, Ongole Door No/37-1-406/10,,Trunk Road, (Opp/ Lic Of India),Bhagya Nagar, Ongole 523 001, Andhra Pradesh T. 08592-281594,5, Pathankot Pathankot, Panjab Khata No. 438/484, Patel Chowk Siali Road, Pathankot, Dist. Gurdaspur Punjab, Pin 145001 T. 1865081627, Pudukottai Prema Complex, 2737,East Main Street, Pudukkottai 622 001,Tamil Nadu T. 04322- 225995, Satara Abanjani, S No/257,,Plot No. 2, Bhosale Mala,G D Tapase Marg, Satara 415 001, Maharashtra T. 0832-2501633, Satna Upper Ground Floor, Tiwari Towers, Rewa Road, Satna 485 001, Madhya Pradesh T. 7819-245317/245320, Sikar Ground & First Floors, S/R/V/ Mall, Ward No/ 16,Devipura Road, Near City Dispensary No/2,Sikar 332001, Rajasthan T. 01572-270972, Sriganganagar 4-B-22, Jawahar Nagar, Adj. to Gupta Nursing Home, Sriganganagar Dist., Ganganagar 335001, Rajasthan T. 0154-3298077, Thanjavur Door No. 63/ A, Trichy Road, Near Ramanathan Hospital, Thanjavur, Tamil Nadu, Pin 613007 T. 04362- 271409, Tuticorin “V.V.D. Mahaal”, 181, Palayamkottai Road, Tuticorin 628003, Tamil Nadu T. 0461- 2332981, Ujjain Ground Floor, Hotel Ashray,77, Dewas Road,Ujjain 456 010, Madhya Pradesh T. 734- 2525302/03 AKOLA Sethi Heights, 1st Floor, Opp. Zilla Parishad, AKOLA 444 001 444001 T. 0724-2420726,2432204,/9372491068, Aligarh HDFC Bank Ltd 3-316 Bhalla Complex Ramghat Road Aligarh 202001 (U.P) 202001 T. 0571-2741973, 09319077737, Alwar Bhagat Singh Circle,Opp.UIT,Alwar(Raj.) 301001 T. Office Phone-0144-5100880 Cell Phone- HDFC BANK LIMITED 09351302094, Amravati C/o Rasik Plaza, Morshi Rd, Jaystambh Chowk, 444601 T. 9372499428/ 7212568432/ 7212561395, AMRELI STREET # 2, MANEKPARA MAIN ROAD 365601 T. (02792)-220342 / 09328126897, Asansol P.C Chatterjee Market, rambandhu talaw, asansol, pin - 713303 713303 T. 0341-2315179, 9332277661, BANGALORE HDFC BANK LTD., Cash Management Services “SALCO CENTRE” # 8/24, Richmond Road 560025 T. 8066633131 09343790037, BHAGALPUR Triveni appartment, Dr. R. P ROAD,BHAGALPUR 812002 T. 9334391764, Bhilwara HDFC Bank Ltd., WBO, Shop no. 1-2-3-4, “A” Block, First Floor, SK Plaza, Pur Road Bhilwara (Raj.) 311001 311001 T. 01482-512686, 9351302102, Bhubaneswar C111, Business park, 1st Floor, Sahid Nagar 751007 T. 0674 2543486 / 0 9338182087, BIKANER HDFC BANK LTD. ROSHAN PLAZA, RANI BAZAR, BIKANER 334001 T. 0151-5130042, 09314232073, BURDWAN 45 GT ROAD/BURDWAN-713101 713101 T. 0342-2566355/9333744965, CUTTACK HDFC Bank Ltd, Holding No 32, 32/A Bajrakabati Road, Cuttack,Orissa - 753 00 753001 T. 0671-2332744 / 9338016590, Davangere #651 B H M Enclave, HM Road, Mandipet,Davangere 577001 T. 08192-232781/82, New Delhi Fig-Ops 1st Floor, Kailash Bldg 110001 T. 011-43174071/011-43174072/011-43174073, JHARKHAND SRI RAM PLAZA, 1ST FLOOR, BANK MORE DHANBAD 826 001 T. (0326) 2308831, DURGAPUR Balai Commercial Complex,3rd Floor. Benachity,Nachan Road. 713213 T. 0343-2588501/9330038188, Erode NO.680,Lotus Enclave,Brough Road,Erode 638001 T. 0424-2261287, GORAKHPUR Wholesale Banking Operations,Shreenath Complex, 10, Park Road, Civil Lines, 273 001 T. 0551-2205685 / 0551-3208666 / 09335086506, GWALIOR J K PLAZA, GAST KA TAZIA, LASHKAR 474001 T. 07514015007/9300788558, Haldwani 8/6 Bhotia Paraw, Nainital Road, Haldwani 263139 T. 05946-282801, HISAR 3 & 4 MC AREA RED SQUARE MARKET RAILWAY ROAD HISAR 125000 T. 01662-241023, Hosur NO.24 & 25, Maruthi Nagar, SIPCOT PO, Near Dharga, 635126 T. 04344-400554,09345151173, Jagadhri Plot No.1, Rajesh Nagar Colony, Ambala Road, 135001 T. 01732-247006/9315450536, JALGAON HDFC BANK LTD,3rd Floor, Sugan Heights,P P NO 324/2, TPS II,Near Central Bus Stand Jalgaon 425001 T. Dir :- 0257-2237642, Fax-0257- 2237042, Rim No 9372747743, Jhansi HDFC Bank Ltd Damroo Cinema complex, civil Lines Jhansi 284003 284003 T. 0510-2449330 & 9335087889, Junagadh Ground Floor,Moti palace, opp.Rayji Nagar, Moti baugh road. 362001 T. 0285-2670067/9327568072, Madurai Sri Nithyakalyani Towers, No 34 Krishnarayan Tank Street, North Veli Street 625001 T. 0452 4246609, 4246609\9367156995, Mathura 169/2 Gaushala Road OPP BSA College Mathura 281001 T. 9319059212, Mumbai Ground Floor, Maneckji Wadia Building,Nanik Motwani Marg,Near Kala Ghoda,opp Mumbai University,Fort Mumbai- 400 001 400001 T. 022-40801570 / 1528 / 1570 / 1560, Muzaffarnagar First Floor, 53/4 Janshat Road,New Mandi 251001 T. 01131+2661333 / RIM 9319065143, MUZAFFARPUR HDFC BANK LTD, TILAK MAIDAN ROAD, MUZAFFARPUR 842001 T. 9334179610, Nadiad Shootout Building, College Road, Nadiad 387001 387001 T. 0268-6540114, 09327568096, NAVSARI GR FLR, NANDANI COMPLEX, STATION ROAD 396445 T. 02637-280901,9327568065, Nellore 17/126, G.V.R. Enclave, G.T. Road, NELLORE - 524001 524001 T. 0861-6450852/0861-2327171, PANIPAT 801/4,OPPS RAILWAY ROAD, G.T ROAD .PANIPAT 132103 T. 9315416685/01804015268, RAIPUR HDFC BANK LTD, Chawla Towers, Near Bottle House, Shankar Nagar, Raipur, Chhattisgarh 492007 492007 T. 0771-4003110/3112, Rajahmundry 46-17-20, 1stFloor, Danavaipet, Rajahmundry 533103 T. 0883-2428691 / 0883-2428826, RIM:9391132485, RANCHI 56 ROHINI COMPLEX CIRCULAR ROAD LALPUR RANCHI 834001 834001 T. 6512560522, RATLAM HDFC BANK (WBO) 90, STATION ROAD RATLAM - 457001 457001 T. 07412-400672/9329766184, ROORKEE 313/8, CIVIL LINES, ROORKEE 247667 T. 01332-275772, 9319027520, Rourkela Dewadi Bhavan 769001 T. 661250066, RUDRAPUR PLOT NO1&2,NANITAL ROAD, PLOT NO1&2,NANITAL ROAD 263 153 T. 05944-241747, SAMBALPUR HDFC BANK LTD NAYAPARA GOLEBAZAR SAMBALPUR 768001 T. 06632400756/9337740453, SHILLONG ANDERS MANSION, POLICE BAZAR,SHILLONG 793001 T. 3642506043, Solapur HDFC Bank Ltd 8516/11 Murarji Peth,Sun Plaza Bldg,Lucky Chowk,Solapur - 413007 413007 T. 0217-2320877 - 9325230208, Surendranagar. Middle Point, A Wing, Nr : Milan Cenama, Main Road, Surendranagar. 363002 T. Rim : 9328208807/02752-650105, Tirunelveli HDFC BANK LTD, 12,13, Trivandrum High Road,Vannarpettai, Palayamkottai, Tirunelveli-627002. 627002 T. Rim : 9344494818/0462-4200675, TIRUPATI HDFC BANK LTD, 19-8-180,Krishna Arcade, Beside IBP Petrol pump, Near Annamaiah Circle 517501 T. 9391132489/ 9347527320/ 8772220374, Udupi Panduranga Tower/ Diana Circle, Court Road, Udupi —5760101 576101 T. 0820-4294936/9343789969, VIJAYAWADA 40-1-48/2, 2nd Floor,Valluri Complex, M G Road 520010 T. 0866-6647400/9395153648, KAKINADA, #20-1-46,Main Road,OPP SRMT 533 001 T. 844-2387666-555,093911-3249, Ahmedabad JMC House, Opp. Parimal Gardens, Ambawadi, Ahmedabad - 380 006. 380006 T. 079- 66523733 /27490144, Belgaum Shree Krishna Towers, #14, Khanapur Road, RPD Cross, Tilakwadi, Belgaum. 590006 T. 0831-2404203 / 721- 2551885, Bharuch Blue Chip Complex, Sevashram Road, Panchbatti,Bharuch 392001 T. 02642 ICICI BANK LIMITED - 252451/ 52 / 53, Bhopal Plot No. 11, Zone II, Alankar Palace Near Pragati Petrol Pump, M. P. Nagar, Bhopal. 462011 T. 0755 - 4226979 - 80 / 4283120 /4275017, Coimbatore Cheran Plaza, 1619, Trichy Road, Coimbatore. 641018 T. 0422-4292102 – 4292115/422-4292110, Dehradun ICICI Bank Ltd., NCR, Plaza,24, New Cantt Road, Hathibarkala, Dehradun, Uttaranchal - 248001 248001 T. 0135-2743664/ 120-4068937, Faridabad ICICI Bank Ltd., Booth No. 104-105, District Centre, Sector 16, Faridabad- 121007, Haryana 121007 T. 0129-4091401-437 / 129-4310054, Guntur ICICI Bank Ltd., 5-82-2, PMG Complex, Lakshmipuram Main Road, Guntur - 522002 (Andra Pradesh) 522002 T. 0863 - 2233653 / 2252500 / 2234391, Guwahati Ground Floor, Shanti Complex, G S Road, Bhangagarh, Guwahati. 781005 T. 0361 - 2452748,2452743,2450943, 2457782/ 2733150, Hubli Eureka Junction, Travellers Bungalow Road, Hubli. 580029 T. 0836 – 4265212,4265216,4265223,4265240,4265229 /2404201, Jaipur C-99, Shreeji Towers, Subhash Marg, Near Ahimsa Circle, C Scheme, Jaipur. 302001 T. 0141 - 5107444, 0141 – 2361992 /4079050, Jamshedpur Natraj Mansion, Main Road, Bistupur, Jamshedpur. 831001 T. 0657 - 2422509 / 10 / 2425907 / 12 /6621700, Kolhapur Ground Floor, Vasant Plaza, Rajaram Road, Rajarampuri, Kolhapur. 416001 T. 0231 – 2534292/3/4 /6611531/ 6611538, Kolkata 22, R N Mukherjee Road, Kolkata. 700001 T. 033 - 22428537 / 22100995 /44026853, Mumbai (Capital Market Div.) 30,Mumbai Samachar Marg, Fort Mumbai-400001 400001 T. 022-22627600, Mysore 2950, Aishwarya Arcade, 9th Cross, Kalidasa Road, V.V. Mohalla, Mysore. 570002 T. 0821-2414006/2412222/2416888, New Delhi 9A, Phelps Building, Inner Circle,Connaught Place, New Delhi. 110001 T. 011 -41517954-58, Noida K-1, Senior Mall, Sector 18, NOIDA-201301, Uttar Pradesh. 201301 T. 120-4344603, Panjim 65, Sindur Business Centre, Swami Vivekanand Road, 403001 T. 0832 - 2232180 / 2424217/ 2424225/ 2423444, Pondicherry 47, Mission Street, Pondicherry. 605001 T. 0413 - 2332237 / 38 / 42, Rajkot Jai Hind Press annexe, Opp. Shardabaug, Babubhai Shah Marg, Rajkot. 360001 T. 0281 - 2443973 / 74 / 75 / 76 281-6690800, Salem Swarnambigai Plaza, S. F. No. 6/ 5, Block no. 7, Ward-C, Omalur Main Road, Near Bus Stand, Salem. 636009 T. 0427 - 2336635 / 36 / 39 / 2336637, Trichy New no - 58, West Bouleward Road, Trichy. 620002 T. 0431 - 2702252 / 2704052, Visakhapatnam 47-14-18, Isnar Satyasri Complex, Main Road, Dwarkanagar, Vishakapatnam. 530016 T. 0891 - 2500641 - 43,45,462762644 Ambala IDBI Bank Ltd., CMS Desk, 169/2, Raj Market, Ambala Cantt -133001 - Haryana. T. 0171-2631819/2631820, Bangalore IDBI Bank Ltd, CMS Desk, 58 IDBI House, Mission Road, Bangalore - 560027 T. 080-26579675 / 76 / 78, Bareilly IDBI Bank Ltd,, CMS Desk, 146, Civil Lines, Circuit House, Chouraha, Bareilly Uttar Pradesh IDBI BANK LIMITED - 243001 T. 0581-2510399/2510499, Bhilai IDBI Bank Ltd, New Era, 19 Priyadarshni Parisar, Nehru Nagar Square, Bhilai - 490020 T. 0788-4038878,2292159 / 58, Chandigarh IDBI Bank Ltd, Centralised Clearing Unit, SCO 1 - 2 - 3, 3rd Floor, above SBI Treasury Branch, Sector 17 B, Chandigarh - T. 0172-4245715, Hyderabad IDBI Bank Ltd, Mahavir House, Basheerbagh Square, Hyderabad - 500029 T. 040-66746055, Kochi/Ernakulam IDBI Bank Ltd, Dhanwatari Building, Near Padma Theater M.G. Road, Cochin - 682035 T. 0484-2382519 /520 /521 /522, Kolkata S.Sarani,Kolkata 44, Shakespeare Sarani PB No 16102 Kolkata Pin : 700017 T. (033) 66338888/66338899, Mumbai IDBI Bank, CMS Desk, 2nd Floor, Mittal Court, Nariman Point. Mumbai-21 T. 022-66588264, NewDelhi/Delhi IDBI Bank, K G Marg,NewDelhi Surya Kiran Building Ground Floor 19 K G Marg New Delhi Pin : 110001 T. 011-25812750, Patiala IDBI Bank Ltd, 10,Chotti Baradari, The Mall, Patiala - 147001 T. 0175-5001231 / 2226824, Patna IDBI Bank Ltd, Kashi Palace Complex, Dak Bungalow Road,Opp. Heera Palace, Patna - 800001 T. 0612-2204144, Pune IDBI, CMS Desk,IDBI House, Dynaneshwar Paduka Chowk Fergusson College Road Pune Pin : 411004 T. 020-64019708, Surat IDBI Bank Ltd, 202, 21st Century Business House, 2nd Floor, Nr Mandarwaja, Ring Road, Surat - 395002 T. 0261-6691855, Vadodara IDBI Bank, CMS Desk, 46/A, Garg Plaza Gautamnagar, Race Course Road,Besides Geb Building, Baroda Pin : 390007 T. 0265-6533221, Ahmednagar IDBI Bank, CMS Desk,210, Palashikar Building,Near Shami Ganpati,Delhi Gate,Ahmednagar- 414001 T. 0241-2345457, Himmatnagar IDBI Bank Ltd,, Shreeji Complex, Opp: Civil Hospital, Sabarkantha District, Himmatnagar, Gujarat - - 383001 T. 02772-240281/82/83, Kozhikode IDBI Bank Ltd, Cty Plaza YMCA Cross Road Kozhikode - 673001 T. 0495-2367717-18-19 /2766844 Ahmedabad World Business House, M. G. Road ‘Nr. Parimal Garden, Ellis Bridge Ahmedabad - 380 015 T. 079 - 26426105 to 08, Ajmer Rang Vihar, 9/86,Kutchery Road ‘M. G. Road, Ajmer - 305 001 T. 0145 - 2631999, 2428239, 2428240, Allahabad Ganpati Towers, 56 Sardar Patel Marg’Civil Lines, Allahabad - 211 001 T. 0532 - 2260354, INDUSIND BANK LIMITED 2260353, Anand Ground Floor, Maruti Sunay Building, Aryanager, Amul Dairy Road, Anand – 388001. T. 02692 - 267351/ 52/ 53/54266630, 266631, Bangalore Ground Floor, Centenary Building, No. 28, M. G. Road, Bangalore – 560 001 T. 080 - 6546 2881, Bhatinda 2679 / C - 1- A, Guru Kanshi Marg, Bhatinda 151 001 T. 0164 - 2213466- 68 / 222 4284, Bhavnagar Shop Nos 1 to 7 and 13, Madhav Hills ‘Waghawadi Road, Bhavnagar – 364 002 T. 0278 - 2512055 / 2011, Chennai No.3 Village Road Nungambakkam, Chennai - 600 034 T. 044 - 044 4596 2500 / 01 / 02 / 03, Gandhinagar GF, Unit no. 14, Suman City, Plot no. 17, Sec – 11, Gandhinagar – 382 0110. T. 079 - 23240596-7 / 84 / 85 / 86, Hyderabad 1-8-448, Sardar Patel Rd.Begumpet,’Secunderabad – 500 003 T. 040 - 2790 7660 / 64 / 65 / 4663, Jammu Gupta Plaza, Bahu Plaza, Jammu – 180 004. T. 0191 - 2470040, Jamnagar Shivam Complex, Teen Batti, Opp. Badri Complex,’Jamnagar -361 001 T. 0288 - 2664322 / 5760, Jodhpur Showroom No. 3&4, Olympic Tower Bldg.,’Station Road, Jodhpur 342 003 T. 0291 - 510 2288 / 2289 / 6990, Kolkata Savitri Towers, 3A, Upper Wood Street, Kolkata – 700 017 T. 033 - 30212400 / 01 (30 lines)BH - direct 22896204.Head Ops direct - 22896205, Kota 412 Shopping Centre,’Kota 324 007 T. 0744 - 2366677 - 80, Mohali S.C.F. 23-24Phase III-B-2,’SAS Nagar, Mohali, Chandigarh 160 059 T. 0172 - 502 0821 / 832, Mumbai Premises No. 1, Sonawala Building 57, Mumbai Samachar Marg, Fort, Mumbai 400 001 T. 022 - 66366580 - 83, Nagpur Shop No. 2, Gandhi Grain Market, Near Chapru Nagar Square, Central Avenue, Nagpur – 440 008 T. 0712 - 2762305 - 8, NewDelhi/Delhi Dr. Gopal Das Bhawan 28,’Barakhamba Road, New Delhi - 110 001. T. 011 - 23738040 / 8408 / 8407, Rajkot Pick Point,I Floor,Dr Yagnik Road,’Near Vivekananda Statue,Rajkot - 360 001 T. 0281 - 2461893 / 94, Rohtak SCO 19 & 20, Subhash Park, Civil Lines, Rohtak - 124 001 T. 01262 - 645715 / 645669 / 327890, Shimoga Bandigadi Complex, I Floor,’Nehru Road,Shimoga- 577 201 T. 08182 - 227722, Tirupur No. 19, T. S. Puram (Logu Building), Valipalayam, Tirupur – 641 601 T. 0421 - 2242875/ 2242885, Udaipur 2-C, Chowgaan Yojana, Near Lok Kala Mandal,’Panchavati Choraha, Udaipur - 313 001 T. 0294 - 2417294/295, Vadodara Ground Floor & 1st Floor, Gold Croft, Vishwas Colony, Jetalpur Road, Baroda – 390 005 T. 0265 - 2332409 / 16 / 18 / 232 6113, Valsad Shop No. 7 –10, Megh Rachana Tower, Sheela Park, Tithal Road, Valsad 396 001 T. 02632 - 254665, 254666, 24 Parganal Sangam Super Market, Block A1, Ground Floor, Diamond Harbour Road, Amtala, South 24 Parganas, West Bengal – 743503 T. 033 - 24809834, 24809836, Ananthpur 10/373,Nama Towers, Subhash Road’Anantapur-515001 T. 08554 - 244955, 249373, 651286, Bhuj Shop No 5 & 6, ‘Sun Plaza’,Bhuj- Mirzapur Highway, Opp. Commerce College, Bhuj-Kutch Dist, Gujarat- 370 001 T. 02832 - 230127, 230128, Bilaspur Opp Animesh Steel, Deendayal Upadhyaya Chowk, Srikant Verma Marg,Near Mangneto Mall, Bilaspur - 495001 T. 0775 - 2429591, Bokaro A-16, City Centre, Sector 4 ‘Bokaro Steel City, Bokaro - 827 004 T. 06542 - 233418 / 20, Hazaribagh Vidya Market Complex, Lepo Road, Hazaribagh - 825301, Jharkhand T. 06546 - 224920/922/923, Howrah Ground Floor, Trade Centre, NH6 Near Sujata Cinema Hall, Bagnan, Howrah – 711 303 West Bengal T. 03214 - 266333/ 34/35., Karur 1st Floor, V.V Towers, Opp. LGB Petrol Bunk, Kovai Road, Karur 639 002, Tamil Nadu T. 04324 - 231402 / 3, Kurnool 40/581, S.V.Complex, R. S. Road,’Kurnool - 518004 T. 08518 - 223425, 325420, Mehsana Rajendra Estate, Opp. Gayatri Temple, State Highway, Mehsana - 384002, Gujarat T. 02762 - 241492 / 93, Moradabad Sai Tower, Near Ekta Dwar, Civil Lines, Moradabad- 244 001 Uttar Pradesh T. 0591 - 2410823 /24/25/27, Navi Mumbai Showroom Nos. 3 5Plot No. 21, Sector 24 Vashi Turbhe, Navi Mumbai 400 705 T. 022 - 27830026 / 27 / 1028, Panchkula SCO 28, Sector 11, Panchkula,’Haryana - 134 112 T. 0172 - 5024380 / 4389, Sangli Ground Floor, Shubham Plaza, CS. No. 150-151 B – 1, Opp. Big Bazar, Sangli – 416 416 T. 0233 - 2327622, Thiruvalla Thekkil Building, Mazhuvangadu, M. C. Road, Thiruvalla – 689 101 T. 0469 - 3203 744 - 49, Vapi Plot No. C 6-13, Shrinathji Chambers,’Vapi Industrial Area, Char Rasta, Vapi 396 195 T. 0260 - 2425175 / 2428129 / 2428624, Vellore 153/3 & 4, New Katpadi Road,Chennai-Bangalore High Way Circle, Vellore 632 004 T. 0416 - 222 2263 / 43, Warangal 6-1-29 & 30, Ganapathi Plaza, Opp. Markaji School, Lashkar Bazaar, Hanamkonda, Warangal 506001, Andhra Pradesh T. 0870 - 2433555 AGRA GROUND AND FIRST FLOOR, 116/18, SANJAY PALACE 282002 T. 078-30809091, AHMEDABAD 102/103, CG CENTRE, CG ROAD, 380009 T. +91(079) 66099216, AMRITSAR 42,MALL ROAD, NEXT TO RITZ HOTEL 143001 T. 0183-5031606, AURANGABAD A7, GROUND FLOOR, AURANGABAD BUSINESS CENTRE, 431001 LIMITED T. 0240-6619010, BANGALORE GROUND FLOOR, PRESTIGE OBELISK, MUNICIPAL NO 3, KASTURBA ROAD 560001 T. +91 (80) 40179035, CHANDIGARH SHOP CUM OFFICE (SCO) NO 151-152, SECTOR 9C, MADHYA MARG 160017 T. 0172-6659102, CHENNAI UTHAMAR GANDHI SALAI, OPP PARK HOTEL, NUNGAMBAKKAM, 600034 T., HYDERABAD MAYANK TOWERS, SURVEY NO.31 (OLD),31/2 (NEW), RAJ BHAVAN ROAD,SOMAJIGUDA, 500082 T. 040-66739000-228, JAIPUR G2, GROUND FLOOR, GREEN HOUSE, PLOT O-15, ASHOK MARG 302001 T., JALANDHAR SATNAM COMPLEX, GROUND FLOOR, BMC CHOWK 144001 T. 01836629004, GROUND FLOOR, PADAM TOWERS 14/113, CIVIL LINES 208001 T. 0512-6710138, KOLKATA NO.19, CAMAC STREET 700017 T. 033 - 3987 9162, LUCKNOW TULSI COMPLEX, 12, RANI LAXMIBAI MARG, HAZRATGANJ, 226001 T. +91- (0) 522- 4099107, MARGAON PLAZA CENTRE, ABADE, FARIA ROAD, BEHIND POST OFFICE 403601 T. 0832 6699000, MUMBAI 1 A MITTAL CHAMBERS, NARIMAN POINT OPP INOX THEATRE 400021 T. 919833729769, NAGPUR GR FLOOR SWAMI SADAN, PLOT NO 206/1 A GPO SQUARE, VIP ROAD CIVIL LINES 440001 T. +91 (712) 6628820, NASHIK SHOP NO 9 TO 13, AGORA, CANADA, CORNER, JUNCTION OF SHARANPUR AND, COLLEGE ROAD 422002 T. 912536619000/6, NEW DELHI 11/48 DIPLOMATIC ENCLAVE MALCHA MARKET, NAYAY MARG, CHANAKYAPURI 110021 T. 124 - 4619205/119, PUNE KARAN SELEN, BHANDARKAR ROAD, SHIVAJI NAGAR 411004 T. 020-66200861-9, RAJKOT FIRST FLOOR, NATH EDIFICE, PLOT NO 21/2S, NO.450/C, JCT DR YAGNIK RD AND RACE COURSE RD 360001 T. 0281-6691404, SHIMLA GROUND LEVEL, TIMBER HOUSE, CART ROAD 171001 T. 0177-6629021, SURAT GR FLOOR,MANGALDEEP, RING ROAD, NEAR MAHAVIR HOSPITAL, NEAR RTO, 395001 T. +91 261 6600111, BARODA GROUND FLOOR, CORNER SQUARE, RACE COURSE CIRCLE, NEXT TO WEST SIDE/ INOX 390007 T. 0265-6619302 MUTHOOT FINANCE LIMITED : APPLICATION FORMS AVAILABLE AT FOLLOWING LOCATIONS LEAD MANAGERS TO THE ISSUE / LEAD BROKERS TO THE ISSUE AGRA : ICICI Securities Ltd,Mr. SUSHANT BEJROI,13A, 1St Floor,Sadar Bazar,,AGRA - 282002; AHMEDABAD : ICICI Securities Ltd,Mr. KRUNAL NANAVATI,Shop no 6, Sun complex,C.G. Road,,AHMEDABAD - 380009;ICICI Securities Ltd,Mr. ABHISHEK SHARMA,First Floor Shop No 119,Akshar Commercial Complex Nr.Shivranjani Cross Road,Satellite ICICI SECURITIES LIMITED Road,AHMEDABAD - 380015;ICICI Securities Ltd,Mr. RAVI SETHIA,Ground Floor, Shop No 4 & 5,Shilp Corner, Subhash Chowk,Gurukul Road, Memnagar,AHMEDABAD - 380052;ICICI Securities Ltd,Mr. HETAL PATEL,First Floor, Shop No. 106/107,Krishnabaug Char Rasta,Kesharkunj Complex Maninagar,AHMEDABAD - 380008;ICICI Securities Ltd,Mr. AALAP SHAH,Ground Floor Shop No 39,40,41,42,Sarjan 2, 100 Feet Road,Sarjan 2,New C.G Road,Chandkheda,AHMEDABAD - 382424;ICICI Securities Ltd,Mr. AKHILESH TIWARI,Sardar Centre, Grd Floor,Shop no. 31 to 35,Near Vastrapur Lake,Vastrapur,AHMEDABAD - 380015;ICICI Securities Ltd,Mr. VRUNDA SHASTRI,Shop No. 1,2,3,4,Suvas Complex, 1St Floor Above ICICI Bank,Opp. Rajasthan Hospital Shahibaug.,AHMEDABAD - 380004; AJMER : ICICI Securities Ltd,Mr. ALOK MUKERJEE,1St Floor, 17/517,Kutchery Road,,AJMER - 305001; ALLAHABAD : ICICI Securities Ltd,Mr. VIKRAM SINGH,27/17, 1St Floor,Algin Road, Civil Lines,,ALLAHABAD - 211001; AMRITSAR : ICICI Securities Ltd,Mr. SAURAV GUPTA,3, Lawrence Road,AMRITSAR - 143002; AURANGABAD : ICICI Securities Ltd,Mr. BHAVESH BHANUSHALI,Gr. Floor, Ghai Chambers,Jalna Road,,AURANGABAD - 431001; BANGALORE : ICICI Securities Ltd,Mr. NAVEEN GOWDA,73/1-1, Krishna ,Infantry Road,BANGALORE - 560001;ICICI Securities Ltd,Mr. RAVIKANTA K,First Flr, CNN & Yashosha Complex,No.87 , HBCS Layout, Near West Of Chord Road Shankarmath Circle,Opp Chord Hospital, Basweswar Nagar,,BANGALORE - 560079;ICICI Securities Ltd,Mr. SRINIVASAN GOPALAKRISHNAN,First Floor, No. 9/1,Cambridge Road Layout, First Cross,,BANGALORE - 560008;ICICI Securities Ltd,Mr. VIPIN TRIVEDI,First Floor, No.778/A,Chinnaswamy Chambers, off CMH Road,Indira Nagar.,BANGALORE - 560038;ICICI Securities Ltd,Mr. SHASHIKANTH RAO,Sriranga Complex, No. 77, First Floor,Dr. Modi Road,2Nd Stage West of Chord Road,,BANGALORE - 560086;ICICI Securities Ltd,Mr. PIYALI ROYCHOWDHURY,First Floor No.50 Little Plaza,Cunningham Road,,BANGALORE - 560052;ICICI Securities Ltd,Mr. PRAKASH SRIVASTAVA,First Floor,135/5, 15Th Cross,100 Ft Ring Road,3Rd Phase J P Nagar,BANGALORE - 560078;ICICI Securities Ltd,Mr. MALLIKARJUN KUBSAD,First Floor, No 81/B 22Nd Cross,Jaya Nagar, 3Rd Block,BANGALORE - 560041;ICICI Securities Ltd,Mr. KULDEEP KALYANKUMAR,No:399 ,White Gold,1St Floor,24Th Cross, Bhanashankari II Stage,BANGALORE - 560070;ICICI Securities Ltd,Mr. AMITABH KUMAR,Second Floor, No:4C-402 HRBR Layout Kamanahalli,II Block,BANGALORE - 560043;ICICI Securities Ltd,Mr. SATYAJEET SHARMA,First floor No. 209, New BEL Road,BANGALORE - 560054;ICICI Securities Ltd,Mr. SUKESH KS,#105, A.E.C.S. Layout 2Nd Stage 5Th Main Post Officeroad,Sanjay Nagar Main Road,BANGALORE - 560094;ICICI Securities Ltd,Mr. MANISH KUMAR,6/1, Ghandi Bazar First Floor,Basavanagudi,Main Road, Gandhi Bazar.,BANGALORE - 560004;ICICI Securities Ltd,Mr. NARENDRA KUMAR,No.2, 100Ft Ring Road, Katriguppa Circle,Bhanashankari III Stage,BANGALORE - 560085;ICICI Securities Ltd,Mr. DHANANJAY KUMAR,No 72/1-B,Kanakapura,Mani Road Jarganahalli,BANGALORE - 560078;ICICI Securities Ltd,Mr. MANISH KUMAR SINGH,290/1, 11Th Cross,Wilson Garden,BANGALORE - 560027;ICICI Securities Ltd,Mr. ,No.20, 1St Main,Gandhinagar,BANGALORE - 560009;ICICI Securities Ltd,Mr. ,No. 46, 100 Feet Road,First Floor, Koramangala, 6th Block,,BANGALORE - 560095;ICICI Securities Ltd,Mr. ,147, First Floor, Anjaneya Complex,Hal Airport Road, Near Petrol Pump,,BANGALORE - 560017; BHOPAL : ICICI Securities Ltd,Mr. VINIT KARMALEKAR,2, Malviya Nagar,Opp. Old Vidhan Sabha,,BHOPAL - 462001; BHUBANESHWAR : ICICI Securities Ltd,Mr. ,Ground Floor,Plot No-99,Janpath,Unit-3,Kharbelnagar,BHUBANESHWAR - 751001;BHUJ : ICICI Securities Ltd,Mr. RAJU CHAKRAVARTY,Jubilee Circle,Opp. All India Radio, Bhuj, Kutch,BHUJ - 370001; BIKANER : ICICI Securities Ltd,Mr. SANDEEP JAIN,Gr. Floor, 44, Panchshati Circle,Sadulganj,,BIKANER - 334001; CHANDIGARH : ICICI Securities Ltd,Mr. RAJIV GOYAL,SCO-181/182,1st floor, Next to British Library,Sector 9C,CHANDIGARH - 160017; ICICI Securities Ltd,Mr. AMIT TYAGI,Sco 62,Sec - 47C,,CHANDIGARH - 160047;CHENNAI : ICICI Securities Ltd,Mr. SHANMUGAM S,Shop No. 10 & 11 Arihant Vaikunt, No 123,Brick Kiln Road,’Purasawalkkam ,,CHENNAI - 600007;ICICI Securities Ltd,Mr. ,Ashok Sriranga, No.1,9Th Street,Nanganallur,CHENNAI - 600061;ICICI Securities Ltd,Mr. KUMARESH J,Ground Floor, Plot No. 1072 Munusamy Salai, Next to Pondicherry Guest House,West K K Nagar,CHENNAI - 600078;ICICI Securities Ltd,Mr. SUNEESH EM,405, Tiruvalluvar Salai,Mogappair,Paneer Nagar,CHENNAI - 600037;ICICI Securities Ltd,Mr. ,First Floor T-1, Yesesi Supermarket Building,Annanagar,CHENNAI - 600040;ICICI Securities Ltd,Mr. STENNY SEBASTIAN,Flat No 4, 70/27,North Mada Street Mylapore,CHENNAI - 600004;ICICI Securities Ltd,Mr. PRIYADHARSINI G,475 Kilpauk Garden Road,Kilpauk,CHENNAI - 600010;ICICI Securities Ltd,Mr. ,PVM Complex, Plot No 1& 2,VGP Vimala Nagar, Velachery Main Road, Medavakkam,,CHENNAI - 600100;ICICI Securities Ltd,Mr. ,1,3Rd Cross Street Kasturibai Nagar, Adyar,CHENNAI - 600020;ICICI Securities Ltd,Mr. SARAVANAN B,Ground Floor, No. 17,Arunachalam Road Saligramam,CHENNAI - 600093;ICICI Securities Ltd,Mr. PANCHAPAKESAN S,Shop No. 2,Century Plaza,560-562,Annasalai, Teynampet,CHENNAI - 600018;ICICI Securities Ltd,Mr. SYED IBRAHIM,No. 228, Thambu Chetty Street, Parrys,CHENNAI - 600001; COIMBATORE : ICICI Securities Ltd,Mr. SARAVANAN .K,444, X-Cut Road,Gandhipuram,Coimbatore,COIMBATORE - 641012; CUTTACK : ICICI Securities Ltd,Mr. RANJAN ROUT,1St Floor, Plot No. 37 & 38, Dolamundai,Post Office - Telenga Bazar,,CUTTACK - 753009; DEHRADUN : ICICI Securities Ltd,Mr. RAJAN RAWAT,81A, Rajpur Road,Uttam Place, Dehradun,,DEHRADUN - 248001; FARIDABAD : ICICI Securities Ltd,Mr. SHUBHAM SRIVASTAVA,Ground Floor,SCO 52,HUDA Market, Sector-29.,FARIDABAD - 121008; GHAZIABAD : ICICI Securities Ltd,Mr. ANAND SINGH,Office No S-4,5,7 & 8,Ground Floor,Girdhar Plaza.Plot No.H-1,Block No.B, Shalimar garden,Sahibabad,GHAZIABAD - 201005; ICICI Securities Ltd,Mr. ,Ground Floor, Supertech Icon,Nayay Khand-I,Indira Puram,GHAZIABAD - 201010; GURGAON : ICICI Securities Ltd,Mr. ,Sco 4, Sector 14,,GURGAON - 120001;ICICI Securities Ltd,Mr. VIKAS SINGH,A-4,5, DLF Shopping Mall,Arjun Marg,DLF City-I,GURGAON - 122002; GUWAHATI : ICICI Securities Ltd,Mr. UTTAM KUMARSHAHU,3rd & 4th Floor, D.R.Braj Mohan Building,Opp. Abc Bus Stand,M73,G.S.Road,,GUWAHATI - 781005; HOWRAH : ICICI Securities Ltd,Mr. NILANJAN ROY,Sriniketan,Howrah AC Market 20, Dobson Road,HOWRAH - 711101; HUBLI : ICICI Securities Ltd,Mr. PRASHANT S T,KVM PLAZA,1st Floor,Next to JTK Show Room,Club Road (Bellow VLCC),HUBLI - 580029; HYDERABAD : ICICI Securities Ltd,Mr. ,D. No. 19-64, 1St Floor, Prasanna Heights Brundavan Colony,Opp. A. S Rao Nagar Colony,HYDERABAD - 500062;ICICI Securities Ltd,Mr. VENKATAKRISHNA CH,1St Floor,Shop No.1,2&3,Sreeram Rama Towers,Chaitanyapuri, Dilsukhnagar,HYDERABAD - 500060;ICICI Securities Ltd,Mr. VASUDEBO NARAM,D No. 2-2-1130/25A,Chintala Arcade Sivam Main Road, Prasanth Nagar New Nalllakunta,HYDERABAD - 500044;ICICI Securities Ltd,Mr. SURESHKUMAR ARLA,1St Floor,3-6-517,Shop No-103 Sai Datta Arcade,Himayatnagar, Main Road,HYDERABAD - 500029;ICICI Securities Ltd,Mr. DEVENDRA KUMAR,Ground Floor, 101 & 102 Prashanthi Ram Towers,Behind Saradhi Studio,Yellareddy Guda.,HYDERABAD - 500073;ICICI Securities Ltd,Mr. GBLAXMINARAYANA RAJU,Ground Floor, 11-4-659,Bhavya Farooqi Splendid Towers,Red Hills,Lakdikapool,HYDERABAD - 500004;ICICI Securities Ltd,Mr. RAGHAVENDRAPRASAD PATNAM,First Floor,B- 44,Journalist Colony,Film Nagar Road, Jubilee Hills,HYDERABAD - 500016;ICICI Securities Ltd,Mr. MAHESHWAR MN,First Floor, 6-3-111 Amrutha Mall Somajiguda,HYDERABAD - 500082;ICICI Securities Ltd,Mr. BURA RAJKUMAR,First Floor,D.No.1-10-209,Kamala Towers, Ashoknagar,HYDERABAD - 500020;ICICI Securities Ltd,Mr. SRINIVASARAO MUDDAPATI,32/3RT, First Floor,Municipal No.7-1-261/ 92E Sanjeeva Reddy Nagar,Opp Nest Apartment,HYDERABAD - 500038;ICICI Securities Ltd,Mr. HARISH REDDY,First Floor, Concourse Building Opp:Meridian Plaza,Green Lands Road,Ameerpet,HYDERABAD - 500016;ICICI Securities Ltd,Mr. RAVIKUMAR NANGUNOORI,Plot No 3 & 4 Sreerama Towers, Opp: ,Miyapur.,HYDERABAD - 500049;ICICI Securities Ltd,Mr. ,214 MIG KPHB Colony,Road No.1,Near KPHB Kaman, Kukatpalli,HYDERABAD - 500072; ICICI Securities Ltd,Mr. HUSNA HAJI,Groud Flr,D.No:1-8-138 To 143, Krishna Castle, Besi - Heritage Flights ,Penderghast Road,,SECUNDERABAD - 500003;ICICI Securities Ltd,Mr. SANDEEP NARAYAN,D No. 3-6-100/B, Ground Floor, Opp. , West Marredpally,SECUNDERABAD - 500026;ICICI Securities Ltd,Mr. NARENDAR KONDUPARTHY,Ground Floor, Plot No 29 Opp. Cyber Towers, Hi- Tech City,Madhapur,SECUNDERABAD - 500033;ICICI Securities Ltd,Mr. ,A-G-1 & A-G-2, Conjeevaram House, Padmarao Nagar.,SECUNDERABAD - 500025;ICICI Securities Ltd,Mr. MOHAMMED PASHA,Ground Floor,Survey No.19/A,Ward No1 D. No. 4-65/5, Street No,8 Habsiguda,SECUNDERABAD - 500007; INDORE : ICICI Securities Ltd,Mr. ANUJ PANDEY,1St Floor,Anjani Plaza,Ashok Nagar,,INDORE - 452001;ICICI Securities Ltd,Mr. ANAND PESHKAR,Ug-6, Ug-7, Shekhar Residency, Opp Hotel Forture Land Mark,Scheme - 54, Sector F,,INDORE - 452001;ICICI Securities Ltd,Mr. ABHISHEK GUPTA,UG 5/6, Royal Road Gold, A.Y.N.Road,,INDORE - 452001; JABALPUR : ICICI Securities Ltd,Mr. SANJEEV SINGH,655, Napier Town, Katanga Gorakhpur Crossing,,JABALPUR - 462001; JAIPUR : ICICI Securities Ltd,Mr. TARUNA RAMWANI,A-2, Lal Kothi Shopping Center,Near Lakshmi Mandir Cinema,Tonk Road,JAIPUR - 302015;ICICI Securities Ltd,Mr. PRATIBHA AGARWAL,Shop No. G-8,G-9 Vaishali Tower II,Vaishali Nagar, Nursery Circle,JAIPUR - 302021;ICICI Securities Ltd,Mr. GOVIND CHOUDHARY,Gr.Floor, Opp. G. P. O. M I Road,JAIPUR - 302001;ICICI Securities Ltd,Mr. DURGESH KANWAR,G-34,Ganpati Paradise, Central Spine, Vidhyadhar Nagar,JAIPUR - 302023; JAMNAGAR : ICICI Securities Ltd,Mr. SATISH BHALARA,3Rd Floor, Cross Road Complex, Opp. D.K.V. College, Bedi Bunder Road,,JAMNAGAR - 361008; JAMSHEDPUR : ICICI Securities Ltd,Mr. DEEPAK RANJAN,Gayatri Enclave 2nd Floor (Rear Portoin) Bistupur.,JAMSHEDPUR - 831001; JODHPUR : ICICI Securities Ltd,Mr. PUJA RAY,Gul-Indi Bhawan, 1st Floor, Plot No. 9/A/B/I and III, Ratanada, Nr. , Ratanada Road,,JODHPUR - 342001; KANPUR : ICICI Securities Ltd,Mr. SATYAJIT NAG,111/432, 80 Ft Road, Ashok Nagar,,KANPUR - 208001; KOCHI : ICICI Securities Ltd,Mr. VIPIN NAIR,1St Floor, Prabhus Towers, Mg Road, North End,,KOCHI - 682035;ICICI Securities Ltd,Mr. SREEJITH MS,44/2102-C, Deshabhimani Junction, Kaloor,,KOCHI - 682017;ICICI Securities Ltd,Mr. ,First floor,Adonai Towers,, S.A.Road,,KOCHI - 682016; KOLKATA : ICICI Securities Ltd,Mr. ARINDAM SAHA,30-G, Chowringee Mansion,J L Nehru Road,Park Street.,KOLKATA - 700016;ICICI Securities Ltd,Mr. DEEP KUMAR,112A, Third floor, Rash Behari Avenue,KOLKATA - 700029;ICICI Securities Ltd,Mr. AMULLYA BISWAS,Victoria Plaza,385, Garia Main Road,KOLKATA - 700084;ICICI Securities Ltd,Mr. NITISH SHRIVASTAVA,339, Canal Street, Lake Town,,KOLKATA - 700048;ICICI Securities Ltd,Mr. MADHURI GUPTA,95, Dumdum Road,,KOLKATA - 700074;ICICI Securities Ltd,Mr. DEBPRIYO BOSE,P.S. Srijan Tech Park, Dn 52, Salt Lake City, Sector V,,KOLKATA - 700091;ICICI Securities Ltd,Mr. ,46 C, Jawaharlal Nehru Road, 15A, Everest House,KOLKATA - 700071; LUCKNOW : ICICI Securities Ltd,Mr. DEBMALYA MUKHERJEE,Ground Floor, Landmark Arcade2,Badshah Nagar Crossing,Faizabad Road,LUCKNOW - 226006;ICICI Securities Ltd,Mr. BINIT AGARWALA,Raj Palace, A1/15,Sector H, Purania Chauraha,Aliganj,LUCKNOW - 226024;ICICI Securities Ltd,Mr. IMRAN KHAN,S/268, E Block Market,Awasthi Complex,Rajajipuram,LUCKNOW - 226017;ICICI Securities Ltd,Mr. NITESH TIWARI,First And Second Floor, Speed Building, 3, Shahnajaf Road,LUCKNOW - 226001; LUDHIANA : ICICI Securities Ltd,Mr. GURPREET MANGAT,Sayal Complex,Near Cycle Market, Gill Road,,LUDHIANA - 141001; MADURAI : ICICI Securities Ltd,Mr. ,1St Floor, No. 466, 467 A.R. Complex,K.K. Nagar, Madurai 625020 Tamilnadu,MADURAI - 625020; MEERUT : ICICI Securities Ltd,Mr. VINEET CHOUDHARY,P P Plaza Plot No. 177/1, Mangal Pandey Nagar,MEERUT - 250005; MOHALI : ICICI Securities Ltd,Mr. PAWAN SINGH,SCF 15,16,17,Phase-10, Mohali,MOHALI - 160060; MUMBAI : ICICI Securities Ltd, Gr. Floor, H.T Parekh Marg, Back Bay Reclamation,Churchgate,,MUMBAI - 400020; ICICI Securities Ltd, SHREE SAWAN KNOWLEDGE PARK, GR. FLOOR, PLOT NO. D-507, T.T.C INDUSTRIAL AREA, M.I.D.C, TURBHE, NEAR JUINAGAR RAILWAY STATION, 400705; ICICI Securities Ltd,Mr. MEHUL SHAH,Shop no 11, Megh Apartment, Junction of factory lanes & LT road,,MUMBAI - 400092;ICICI Securities Ltd,Mr. ,Jaya Apartments, R B Mehta road,Near Patel Chowk, Ghatkopar (E),MUMBAI - 400075;ICICI Securities Ltd,Mr. SANKALP KUMAR,Shop no. 9,10, Meriline Corner, Near Sion Circle,SION (E),MUMBAI - 400022;ICICI Securities Ltd,Mr. ANSHULIKA PREMCHANDANI,Shop No. 1 & 2, Dilkush Bungalow,J. P. Road, Andheri West,MUMBAI - 400058;ICICI Securities Ltd,Mr. NILESH ARAS,56/57, Saraf Choudhari Nagar Co. Op. Soc.,Thakur Complex,Kandivali East,MUMBAI - 400101;ICICI Securities Ltd,Mr. UMESH GUPTA,Shop No. 26, 27 & 51, Gr.Floor, Ashoka Shopping Centre,LT Marg, GT Hospital Compound,Marine Lines,MUMBAI - 400002;ICICI Securities Ltd,Mr. ,1A&2, Balaji Arcade,S.V Road Kandivili (W),MUMBAI - 400067;ICICI Securities Ltd,Mr. BHAVIN GANDHI,Ground Floor,Jayshree Plaza,L.B.S. Marg, Bhandup (W),MUMBAI - 400078;ICICI Securities Ltd,Mr. ,Gr.Floor,Shop No.7,8,9, Anand Vatika,Siddharth Nagar, Nr City Centre, S V Road,Goregaon (W),MUMBAI - 400062;ICICI Securities Ltd,Mr. ,Gr Floor, Devraj Mall, Krishna Kunj Hsg Soc. Harishankar Joshi Road,Opp. Madhuram Hall, Dahisar (E).,MUMBAI - 400068;ICICI Securities Ltd,Mr. R SHASTRI,1St Floor Sai Kiran,Central Avenue 11Th Road Junction,Chembur.,MUMBAI - 400074;ICICI Securities Ltd,Mr. ARVIND TIWARI,Radha Kunj, Azadnagar,Vile Parle West,MUMBAI - 400056;ICICI Securities Ltd,Mr. DHARMVEER SACHAN,Gr. Floor, Vardhaman Apt.,40, Hanuman Road,Vile Parle (E),MUMBAI - 400057;ICICI Securities Ltd,Mr. PAWAN BALI,Gr. Floor, Shop No. 2,Grace Chamber, Amrit Nagar, Chakala, Andheri (E),,MUMBAI - 400093;ICICI Securities Ltd,Mr. ,227, Gr. Floor, G-2A,Nariman Bhavan,Nariman Point,MUMBAI - 400021;ICICI Securities Ltd,Mr. RAJESH SINGH,Shop No. 1,2,3,4, Shagun Mall,Dindoshi, Gokul Dham, Goregaon (E),,MUMBAI - 400063;ICICI Securities Ltd,Mr. ,Gr. Floor, H.T Parekh Marg, Back Bay Reclamation,Churchgate,,MUMBAI - 400020; ICICI Securities Ltd,Mr. AJAY SINGH,1st Floor,Gopi Cinema Mall,,DOMBIVALI - 421202; ICICI Securities Ltd,Mr. KSHITIJ SHARMA,Shop No 4,5,6,7Roop Maya Co-Op Hsg.Soc., Sector 6, Airoli,NAVI MUMBAI - 400708;ICICI Securities Ltd,Mr. ANUP KUMAR,Shop No.6,7 & 8,Ground Flr.Vaishnavi Tower,Sector-44,Nerul (W).,NAVI MUMBAI - 400706;ICICI Securities Ltd,Mr. VIKAS SHARMA,Apsara Building,Shop No. 4, Sector - 17,Vashi.,NAVI MUMBAI - 400702;ICICI Securities Ltd,Mr. ARVIND JHA,Gr. Floor,Tulsi Pooja Shopping Center,New Panvel (E).,NAVI MUMBAI - 410206;ICICI Securities Ltd,Mr. SANJAY RANKA,Shop No. 1, Bhomi Tower,Sec - 4, Plot No. 28,Kharghar,,NAVI MUMBAI - 410210; MYSORE : ICICI Securities Ltd,Mr. ANIL MN,D. No. 86/3A, Panabvati Circle, Kalidasa Road,Jayalakshmipuram,,MYSORE - 570012; NAGPUR : ICICI Securities Ltd,Mr. AMIT GONDEWAR,Ganesh Heights,Kotwal Nagar Ring Road, Khamla,NAGPUR - 440015; ICICI Securities Ltd,Mr. RAVINDRA AKHARE,First Floor,Shop No. 138 To 140,Shree Ram Shyam Towers,,NAGPUR - 440001; NASIK : ICICI Securities Ltd,Mr. SHAUNAK BODKE,Shop No. 67, 68, Vasant Market,Canada Corner,,NASIK - 422002;ICICI Securities Ltd,Mr. VIHIT SALINS,Ground Floor, Plot No. 7, Mahindra Memorial Centre,Near Babu Bunglow, Rathchakra Chowk,Vadala- Pathardi Road, Indira Nagar,NASIK - 422009; NEW DELHI : ICICI Securities Ltd,Mr. ,GR. FLOOR,PREMISES NO F-3/28, KRISHNA NAGAR, NEAR VIJAY CHOWK ,MAIN MARKET,,NEW DELHI - 110051;ICICI Securities Ltd,Mr. KHAGENDRA PANT,Ground Floor, UG-05,Upper Gr. Floor,Vikas Surya Plaza, 7 Community Centre, Road No. 44, Pitam Pura, Rani Bagh,NEW DELHI - 110034;ICICI Securities Ltd,Mr. ,Ground Floor, Plot No. 24 ,25, LSC Mayur Vihar-II,NEW DELHI - 110096;ICICI Securities Ltd,Mr. JAYDEV MANDAL,Ground Floor & Mezzanine, Ab- 11,Community Center Safdarjung Enclave,NEW DELHI - 110029;ICICI Securities Ltd,Mr. ,Ground Floor & Mezzanine, 29, Community Centre, Naraina Industrial Estate, Phase - I,NEW DELHI - 110028;ICICI Securities Ltd,Mr. ,Building No 4, 1St Floor, SMR House, Basant Lok Vasant Vihar,NEW DELHI - 110057;ICICI Securities Ltd,Mr. PUJA KUMARI,1st Floor, Shop No. 39, Pushpa Market, Lajpat nagar II,NEW DELHI - 110024;ICICI Securities Ltd,Mr. RAVIKUMAR SHARMA,Ground Floor Plot no-8A,Block No.E,Hauz Khas,NEW DELHI - 110016;ICICI Securities Ltd,Mr. MOHAMMAD AAMIR,Ground Floor & First Floor Plot No 17, Community Center,Mayapuri,NEW DELHI - 110064;ICICI Securities Ltd,Mr. RAHUL SHARMA,Ground Floor 4435-3/6, Portion 4/7 Ansari Road, Next to Corrporation Bank ATM, Daryaganj,NEW DELHI - 110002;ICICI Securities Ltd,Mr. RAVISH SINGH,Gr. Floor , 1St Floor, Plot No-10, LSC Rajdhani Enclave, Vikas Marg, RAJDHANI ENCLAVE, NEAR KARKARDOOMA,NEW DELHI - 110092;ICICI Securities Ltd,Mr. PREETI SINGH,Ground Floor, Rohini Sector-9, Near Kadambri CGHS Ltd,NEW DELHI - 110085;ICICI Securities Ltd,Mr. RAHUL AGGARWAL,Ground Floor & Upper, 22 Central Market, Ashok Vihar,NEW DELHI - 110052;ICICI Securities Ltd,Mr. VISHAL NARANG,Unit F-7,8,9,10,11,12,13,14,Malik Buildcon Plaza-2 Pocket-V Sec 12, Dwarka,NEW DELHI - 110075;ICICI Securities Ltd,Mr. DEEPAK THAKUR,Gr. Floor 30/5,Nangia Park Circle, Shakti Nagar,NEW DELHI - 110007;ICICI Securities Ltd,Mr. ARINDAM BISWAS,Ground Floor 3C/4, New Rohtak Road,NEW DELHI - 110005;ICICI Securities Ltd,Mr. MAYANK PANDEY,First Floor (Left Side), DDA Shopping Complex, Alaknanda,NEW DELHI - 110019;ICICI Securities Ltd,Mr. ASEEM KAPOOR,Plot No. 13, Community Centre, New Friends Colony,NEW DELHI - 110065;ICICI Securities Ltd,Mr. SAMIT KAPOOR,179 - 182, Dda Office Complex, Rajendra Bhawan Rajendra Palace,NEW DELHI - 110008;ICICI Securities Ltd,Mr. SARIKA ABROL,Shop No. 45 & 46, Tilak Nagar,,NEW DELHI - 110018;ICICI Securities Ltd,Mr. ,114/115,1St Floor,Arunachal Bldg 19, Barakhamba Road,Connaught Place,NEW DELHI - 110001;ICICI Securities Ltd,Mr. JITENDER ARYA,J2/21, 1St Floor, Rajouri Garden,,NEW DELHI - 110027; NOIDA : ICICI Securities Ltd,Mr. SARFARAZ AHMED,16, 15, 14, & 12-A, Ground Floor,Msx Tower Ii,,GREATER NOIDA - 201306; ICICI Securities Ltd,Mr. KUMAR SHIVENDRA,B 1/34-35,Central Market, Sector-50,NOIDA - 201301; PANCHKULA : ICICI Securities Ltd,Mr. AJAY PURI,Sco 43, Sec - 7,Near DC Model School,,PANCHKULA - 134101; PATHANKOT : ICICI Securities Ltd,Mr. AJAY CHAUHAN,Gr. Floor, Main Dhangu Road, Opp Hotel Venice,PATHANKOT - 145001; PATNA : ICICI Securities Ltd,Mr. ANUP SRIVASTWA,ICICI Bank Premises,Sumitra Sadan, Boring Road Crossing,,PATNA - 800001; PONDICHERRY : ICICI Securities Ltd,Mr. PRABHU PONNUSAMY,Gr. Floor, Avn Plaza, 100 Ft Road, Gayatri Nagar, Mudaliarpet,PONDICHERRY - 605004;PUNE : ICICI Securities Ltd,Mr. ABHINAV KUMAR,Ground Floor, Abhimanshree Apartments-2 Condominium Bhuvaneshwar Society, Aundh,PUNE - 411007;ICICI Securities Ltd,Mr. JANKI VYAS,Ground Floor, Sheetal Plaza, CTS No. 1125,Final Plot No.499 Model Colony, Shivajinagar,Bhamburda,PUNE - 411016;ICICI Securities Ltd,Mr. VIJAY AVHAD,RAMA S.No 682/A, CTS No 1048, Plot No 49, Chatrapati Rajaram Co-Op Hou.Soc, Jedhenagar,Bibwewadi,PUNE - 411037;ICICI Securities Ltd,Mr. RAJ R,Office No.3, Teddies Apartment Opp. Gera Junction, Kondhawa,PUNE - 411048;ICICI Securities Ltd,Mr. ,Gr. Floor & Mezzanine,Krishnakunj, S No.211, Hissa No. 2E, Plot No. 17 Kalyaninagar, Yerwada,PUNE - 411006;ICICI Securities Ltd,Mr. SEEMA KUMARI,Gr. Floor & Basement, Pramila Apt, Plot No. 16, Beside Hotel Kamat, Dahanukar Colony Circle, Kothrud,PUNE - 411029;ICICI Securities Ltd,Mr. RAHUL RATHI,Gr.Floor, 86A,Survey No.390/1684-1, M.G.Road, Opp. Kohinoor Restaurant, Camp,PUNE - 411001;ICICI Securities Ltd,Mr. ,Groud Floor, Premsagar,H Wing ,Near PCMC Auditorium ,Chinchwad,PUNE - 411033;ICICI Securities Ltd,Mr. RUCHI SINGH,Shop No 1 & 2 Gr. Floor, Sneh Bldg, Cts No 1404, Near Jamtani Cross, Pimpri,PUNE - 411017;ICICI Securities Ltd,Mr. AASHISH AGARWAL,Ground Floor, near Vishal Megamart, KPCT B Wing, S No.16,Hisa No.1/1,CTS No.912,Wanawadi ,Fatimanagar.,PUNE - 411040; RAIPUR : ICICI Securities Ltd,Mr. ,Maruti Business Park, Ff-03, Ge Road,,RAIPUR - 492001; RAJAHMUNDRY : ICICI Securities Ltd,Mr. RAJU MP,Door No: 46-22-11, Karrisu Reddy Plaza, Danavaipeta, East Godavari District,,RAJAHMUNDRY - 533103; RAJKOT : ICICI Securities Ltd,Mr. MANISH SAVALIYA,1st Floor, Shantiniketan Complex ,150 Feet Ring Road, Opposite KKV Hall,RAJKOT - 360007; RANCHI : ICICI Securities Ltd,Mr. SATYA SAURABH,First Floor, Ranchi Club Complex , Main Road,RANCHI - 834001; SALEM : ICICI Securities Ltd,Mr. KARUPPAIAN C,1st floor, 270/1, Bharathi Street, Swarnapuri,,SALEM - 636004; SURAT : ICICI Securities Ltd,Mr. ,1St Floor, Viishal Chambers, Nr. Athwagate Charrasta,Besides Sardar Bridge,SURAT - 395001;ICICI Securities Ltd,Mr. BHAVIN PATEL,G/10, 11, 12 Sarthi Complex, Hira Baug, Warachha,SURAT - 395006;ICICI Securities Ltd,Mr. KULDEEP SINGH,Shop No.35,36 & 37,2Nd Floor, Shreeji Arcade Complex Anand Mahal Road,Adjan Road,SURAT - 395009; THANE : ICICI Securities Ltd,Mr. ,Ground Floor, Block 1, Shop No 3,Emerald Plaza, Hiranandani Meadows,Glady Alvares Marg, Off Pokhran Road No. 2,Thane (W),THANE - 400610;ICICI Securities Ltd,Mr. ,Olympia Bldg, Poonam Sagar Mira Road (East),THANE - 401107;ICICI Securities Ltd,Mr. MUDASSAR VALSANGKAR,1St Floor, Office No. 2, Gaurangi Chambers, Opp. Damani Estate, L.B.S. Marg.,THANE - 400602;ICICI Securities Ltd,Mr. ,Ground Floor, Galleria, Talao Pali,,THANE - 400602; THRISSUR : ICICI Securities Ltd,Mr. ,R.V.Trade Centre, Third Floor,Patturaickal,THRISSUR - 680022; TIRUNELVELI : ICICI Securities Ltd,Mr. PRADEEP R,64 D , Nellai Plaza , Madurai Main Road ,,TIRUNELVELI - 627001; TIRUPATI : ICICI Securities Ltd,Mr. VENKATA VENKUMAHANTHI,Gr.Flr D/o: 19-3-12/J4, Ramanuja Circle, Tirchanoor Road,,TIRUPATI - 517501; TIRUPUR : ICICI Securities Ltd,Mr. ,The Coocoon,No.56/1, Sabari Salai, Binny Compund,,TIRUPUR - 641601; TRICHY : ICICI Securities Ltd,Mr. SADIQ BASHA,Gr. Floor, No. B14Colony Main Road, Thillai Nagar,TRICHY - 620017; TRIVANDRUM : ICICI Securities Ltd,Mr. ARYA VIJAYAN,2 Nd Floor,Kamala Towers , Vazhuthacaud,,TRIVANDRUM - 695014; UDAIPUR : ICICI Securities Ltd,Mr. ANKIT BHATNAGAR,Sf, 5C, Madhuvan, Above ,,UDAIPUR - 313001; VADODARA : ICICI Securities Ltd,Mr. TUSHAR DAVE,Ground Floor, Gardenview Chambers,Opp Kala Ghoda Circle, Sayajiganj,VADODARA - 390005;ICICI Securities Ltd,Mr. HARSHIL DESAI,Amrapali Complex, 1St Floor, Shop No. 142, 143, 144, 145, 146, Water Tank Road, Karelibaug.,VADODARA - 390018;ICICI Securities Ltd,Mr. BHUMISH PATEL,Rutukalash Complex, Gr Floor, Shop No 7,8,9 Tulsidham Char rasta, Manzalpur,VADODARA - 390011;ICICI Securities Ltd,Mr. HITESH PARMAR,1St Floor, Gokulesh Ii, 96 Sampatrao Colony,R.C.Dutta Road Alkapuri.,VADODARA - 390007; VAPI : ICICI Securities Ltd,Mr. AMIT CHOUDHARY,Ground Floor, City Surver No. 1913, Rozy Empire, Opp Govt Yatri Niwas,,VAPI - 396191; VARANASI : ICICI Securities Ltd,Mr. SAPNA TIWARI,21/2A, 1St Floor, Karnachha Rathyatra Road,,VARANASI - 221001; VIJAYAWADA : ICICI Securities Ltd,Mr. ,29-6-31, 1St Floor, Sai Srinivasa Shopping Complex, Nakkal Road, Suryaraopet,,VIJAYAWADA - 520001; VISAKHAPATNAM : ICICI Securities Ltd,Mr. ,1-83-43, 1St Floor, Narendra Polyclinic Building, M V P Colony.,VISAKHAPATNAM - 530017; Agra HDFC Securities Ltd. , 2nd Floor, Deepak Wasan Plaza, 17/2/4,Sanjay Place, Agra. Tel - 0562 - 2526888 – 97. Ahmedabad HDFC Securities Limited, 212, ISCON Centre, Shiv Ranjani Char Rasta, Satellite Road, Ahmedabad – 380015. Tel - 079-66612340-41-42-43. Amritsar HDFC Securities Limited, SCO - 5, D. S. C.Ranjit Avenue, Amritsar – 143001.Tel - HDFC SECURITIES LIMITED 0183-5070100,0183-5070200. Anand HDFC Securities Limited, Office No. 206, 2nd Floor, Madhav Complex, Grid Cross Road, Anand 388 001, Gujarat. Tel - 02692-245831-32-33 & 644773. Aurangabad HDFC Securities Limited, Office A - 8, 1st floor, A wing, Gurunath Sankul,Shriram Chowk, Shreya Nagar, kalda Corner, Aurangabad - 431005. Tel - 0240-2360820/21/22/23 24/2. Bangalore HDFC Securities Limited, Mount Kailash, 33/5, B-Wing, Gr. Flr.,Meanee Avenue Road, Ulsoor, Nr. Lake Side hospital, Bangalore - 560042. Tel - 080-25577410. Belgaum HDFC Securities Limited, CTS No. 5854, Congress Road, Tilakwadi, Belgaum – 590006. Tel - 0831-2445508. Bharuch HDFC Securities Limited, 3rd floor, Akshat Plaza, Above HDFC Bank, Near Link Road, Bharuch - 392001. Tel - 02642-252971-72-73-74, 238975-76. Bhavnagar HDFC Securities Limited, Office no. 7, 1st floor, Gopi Arcade, Waghawadi Road, Bhavnagar - 364002. Tel - 0278-2570145-46-47 & 6450127-28-29-33. Bhilai HDFC Securities Ltd. , 3rd Floor, Chauhan Estate, Near Chandra Mourya Talkies, GE Road, Bhilai, Chhatisgarh – 490023.Tel - 07882290318-276. Bhubaneshwar HDFC Securities Limited, Plot No. 10, District Centre, Chandrashekharpur, Bhubaneshwar – 751021.Tel - 07882290318-276. Calicut HDFC Securities Limited, Techno Chemical Ind. Techno Top Bldg., V.M. Basheer Road, Calicut – 673001. Tel - 0495-4488501-11. Chennai HDFC Securities Limited, Aysha Complex, 2 nd Floor, 208, Anna Salai, Chennai - 600 006. Tel - 044-28297951-53 . Cochin HDFC Securities Limited, Sudhas Bldg,2nd Floor, Madhav Pharmacy Junction, Bannerjee Road, Ernakulam, Cochin – 682018. Tel - 0484-4064516-519. Coimbatore HDFC Securities Limited, Ashirwad, 36, D. B. Road, R.S. Puram, Coimbotore – 641002. Tel - 0422- 2541357 to 63 . Dhanbad HDFC Securities Ltd., 2nd Floor, Commerce House 2, Shastri Nagar, Dhanbad – 826001. Tel - 0326-2300174. Durgapur HDFC Securities Ltd,Kwality Hotel complex,1st floor,Bhiringi more,Nachan rd,Durgapur –713213. Tel - 0343 - 2588791 / 92. Ghaziabad HDFC Securities Limited, 1st Floor, C-53, Raj Nagar District Center, Next to HDFC Bank, Rajnagar, Ghaziabad - 201001. Tel - 0120 2822312- 14-15-16-17-18-19-21. Gurgaon HDFC Securities Limited, O- 139, 1st floor, DLF Shopping Mall, DLF Phase -1, Gurgaon - 122002, Tel- 0124 - 4063880 – 84. Haryana . Guwahati HDFC Securities Limited, 1st Floor, Pushpanjali Complex, 126, G.S. Road, Bhangagarh, Village Japorigog, Mouza Beltola, District Kamrup, Guwahati 781 005. Tel - 0361 - 2467104 to 07. Hyderabad Ameerpeth HDFC Securities Ltd., Ground Floor, 7-1-210, Ameerpet, Hyderabad – 500016. Tel - 040-40033480 – 4. Indore HDFC Securities Limited, Portion 102/103, 1st floor, Sterling Arcade, Plot no. 15/3, Race Course Road, Indore, M. P. 452001. Tel -0731-4280780-81-82. Jaipur HDFC Securities Limited, B-5, Lalkothi, District Shopping Centre, Tonk Road, Jaipur – 320015. Tel - 0141-5190700-01-02-03-05. Jalandhar HDFC Securities Limited, Landmark, 2nd floor ( front side), 188-A, Model Town, Jalandhar 144001 Tel - 0181-2440144. Punjab. Jamnagar HDFC Securities Limited, Office No. 401, 4th Floor, “MADHAV SQUARE”, Limda Line Road, Opp. Avantika Complex, Jamnagar – 361001. Tel - 0288-6454407-08-09-10. Jamshedpur HDFC Securities Ltd, 2ND Floor,Shaurya Arcade ,New SNP area,sakchi,Jamshedpur-831001. Tel - 0657 - 2235912 to 21. Jodhpur HDFC Securities Limited, 3rd floor, 178, Narayanam, Upper Chopasni Road, Jodhpur - 342003. Tel - 0291-5150600-5100055. Junagadh HDFC Securities ltd Office # F-15, Balaji Avenue Opp. Rajalaxmi Soc, Motibaug Junagadh – 362001. Tel - 0285-6546201-2 . Kanpur HDFC Securities Ltd. 515 & 516 Kan Chamber1 14/113 Civil Lines Kanpur – 208001. Tel - 0512 - 2302992 –98. Kolhapur HDFC Securities Limited, Office No. 7A, 1st Floor, Gemstone, 517/2, New Shahupuri, Near Central Bus Stand- Kolhapur 416 001. Tel - 0231-2338135/6/7/8. Kolkata Dalhousie HDFC Securities Limited, 4, Clive Row, Jardines, 3rd floor, Kolkata 700 001. Tel - 033 - 22134367 to 70 Kolkata HDFC Securities Limited, 8, Chittranjan Avenue, Barick Bhawan, 3rd Floor, Kolkatta 700072. Tel -033 - 22129574 to 77. Lucknow HDFC Securities Limited, 56-57, Chander Nagar, 2nd Floor, Alambagh, Lucknow - 226005, Tel - 0522-2461684, UP. Ludhiana HDFC Securities Limited, Unit no. IV, 1st floor, First Mall, Mall Road, Ludhiana - 141001. Tel - 0161-5069135. Madurai HDFC Securities Limited, 1st Floor, 232, Naicker New Street, Madurai 625 001. Tel -0427-2265313-17. Mangalore HDFC Securities Limited, Kayar Manj, 2nd floor, M. G. Road, Mangalore - 575003. Tel - 0824-2459591. Meerut HDFC Securities Ltd. 177/1 P P Plaza, 2nd Floor, Opp. CCS University, Mangal Pandey Nagar, Meerut – 250001. Tel - 0121-4057015. Mehsana HDFC Securities Limited, Shop no. 12 & 13, 2nd floor, Prabhu Complex, Near Patel Automobiles, Near Rajkamal Petrol Pump, Highway, Mehsana – 384001. Tel - 02762-259816-17-18-19-20. Mumbai - Andheri HDFC Securities Limited, Shop No. 5, Persian Co-op Housing Society, V. P. Road, Near BMC Bank, Andheri (West) Mumbai - 400 058. Tel - 022-40068483 to 40068485. Mumbai- Kandivali HDFC Securities Limited, A/002, Ground Floor, Blossom Co-op. Hsg. Soc. Ltd., Sector 3, Plot H, Panchsheel Enclave, Mahavir Nagar, Kandivli (West), Mumbai 400 067. Tel - 022- 29672873 to 29672877. Mumbai – Borivali HDFC Securities Ltd., Shop No.10, Ground floor, Bhomi Saraswati Bldg., Ganjawala Lane, Near Chamunda Circle, Borivali- (w), Mumbai ?400092. Tel - 022-65220923-26. Mumbai – Vashi HDFC Securities Limited, Office No. 613, 6th Floor, Arenja Corner Premises CHS Limited, Plot No. 71, Sector 17, Vashi, New Mumbai – 400705. Tel - 022- 66098270 to 66098279. Mumbai-Dadar HDFC Securities Ltd., Shop no.3, Ground floor, Ankur Housing Society Ltd., K.S.Gadgil Marg, Behind Siddhivinayak Mandir, Prabhadevi, Mumbai – 400025. Tel - 022-24215105. Mumbai – Thane HDFC Securities Ltd. Limited, Ashok Apartments, Shop No. 3 & 4, Gr. Floor, Opp. Naupada Police Station, Thane (W) 400 602. Tel - 022- 28550844 to 28550852. Mysore HDFC Securities Limited, Ground floor, No. 2951 - A, Kalidasa Road, V. V. Mohalla, Mysore - 570002, Tel - 0821-2500067 Karnataka. Nagpur HDFC Securities Ltd., 125, 2nd Floor, Shreeram Shyam Towers, S.V. Patel Marg, Kingsway, Civil Lines, Nagpur-440001. Tel - 0712-6637926/27/28/29/30. Nashik HDFC Securities Limited, Vaastu Shree, 2nd Floor, Off Gangapur Road, Nashik – 422005. Tel - 0253- 6610585/86/87. Nellore HDFC Securities Limited, HDFC Bank Bldg, 17/126, GVR Enclave, Trunk Road, Nellore - 524001. Tel - 0861- 2330700 / 01 /02 / 03 / 04. NEW DELHI HDFC Securities Limited, Kanchenjungha Bldg, Upper Gr. Flr.,18, Barakhamba Road, New Delhi - 110 001. Tel - 011-43008623. New Delhi - Bhikaji cama HDFC Securities Ltd., Flat No 905, 9th Floor, Madam Bhikaji Cama Bhawan, Bhikaji Cama Place, New Delhi – 110021. Tel - 011-26164799. Noida HDFC Securities Limited, Office No. 111, 1st Floor, Ocean Plaza Building, Commercial Plot No. P-5, Sector – 18, Noida – 201301. Tel - 0120-4030930. Panjim (Goa) HDFC Securities Limited, 4rh floor, Minum Residency, Above HDFC Bank, 18th June, Panjim, Goa - 403001. Tel - 0832-6632802/3/4/5. Patiala HDFC Securities Limited, 1st floor, Seetal Complex, 5-C, Baradari, Near C. M. O. Residence, Rajbaha Road, Patiala - 147001 (Punjab). Tel - 0175-2305528. Patna HDFC Securities Limited, 405, 4th Floor, Grand Plaza, Frazer Road, Patna 800 001. Tel - 0612 - 2216422 to 27. Pimpri HDFC Securities Limited, Office No. 1,2,3,27,28,29, Jewel of Pimpri, 1st Floor, Above HDFC Bank, Pimpri, Pune - 411017. Tel - 020-27425892/3/4. Rajkot HDFC Securities Limited, 6th Floor, Pancharatna Building, Alfred School, Jawahar Road, Rajkot -360 001. Tel - 0281-2232181-82. Ranchi HDFC Securities Limited, Rohini Apartment, Gr.floor, 56, Circular Road, Lalpur, P.S. & P. O. Lalpur, Dist. Ranchi -834001, Tel - 0651 - 2561481 to 88. Jharkhand. Salem HDFC Securities Limited, No. 3, 1st floor, VSA Commercial Complex, Omalur Main Road, Opp. New Bus Stand, Salem - 636004. Tel - 04272265313/14/15/16/17. Shillong HDFC Securities Ltd,R.P.G. Complex,1st Floor,Keating Road,Near Goenka Engg,Shillong – 793001. Tel - 0364-2500396 / 397. Siliguri HDFC Securities Limited, Gr. Floor, kelsons complex, 157 Sevoke Road, Siliguri - 734001 District Darjeeling. Tel - 0353 - 2640073 to 79. Surat HDFC Securities Limited, 708,709, Kashi Plaza, Near Children Hospital,Manjura Gate, Surat – 395002. Tel - 0261-4004604-05-06. Trichy HDFC Securities Limited, 11th Cross Main Road, Thillai Nagar, Trichy-624018. Tel - 0431-2742574-83. Trivandrum HDFC Securities Limited, Karimpanal Arcade, East Fort, Trivandrum – 695023. Tel - 0471 -4466091-94. Udaipur HDFC Securities Limited, Plot No. 8 & 9, Vivek Chambers, 2nd Floor, Durga Nursury Road, Opp. Sukhadia Samadhi Park, Udaipur - 313001, Tel - 0294-5101701-02-03-04. Rajasthan. Vadodara HDFC Securities Limited, D-11, Kamalanjali, Off Padra Road, Akota, Above HDFC Bank, Opp. Tube Company, Vadodara - 390020. Tel - 0265-2355791-98. Vapi HDFC Securities Ltd., Upper Ground Floor, Emperor Tower, Opp SBPP Bank,Vapi Daman Road Chala, Vapi-396191. Tel - 0260-6455501-02-03. Vijayawada HDFC Securities Limited, Valluri Complex, 40-1-48/2 M.G.Road, Vijaywada - 520 010. Tel - 0866 - 2498029/39/49. Visakhapatnam HDFC Securities Limited, 104, 1st Floor, Ram’s Plaza, 2nd Lane Dwaraka Nagar, Vizag – 530016, Tel - 0891-2796623. AP. AHMEDABAD : Mr Bhavesh Shah/Mr.Girish Shah, JM Financial Services, G-10 Chinubhai Centre,Gr. Flr, Nehru Bridge Corner,Ashram Road, Ph:079- JM FINANCIAL CONSULTANTS PRIVATE LIMITED / JM FINANCIAL SERVICES PRIVATE LIMITED (Locations would be same as given below) 2657 6666 – 70. BANGALORE : Mr Yeriswamy Reddy,JM Financial Services,97/4 Residency Rd, Ph:-080- 30912400/2299 8264/65/66/67. CHENNAI : Mr. Kalai Selvan, JM Financial Services,Gee Gee Crystal - 5th Floor,91-92. Dr.Radhakrishnan Salai,Mylapore, Ph:044-4225 5666. HYDERABAD : Mr Ganpathi Murthy/Chandrasekhar,JM Financial Services, 9-10 Uma Chambers,3rd Floor, Banjara Hills, Ph:040- 39875900/6636 0009/10/12/46. Mr. Mallesh/Mr. Pravin Chary, JM Financial, 3rd Floor, 305 Jade Arcade, Opp Paradise Hotel, M G Road, Secundrabad 500 003.Tel : (040) 3982 5200. INDORE : Mr. Manish Upadhyay,JM Financial Services, UG-7 & 8, Ground Floor, D M Tower, ,21/1, Race Course Road, Ph:0731- 3072111/4262111. JAIPUR : Mr. Navneet Sharma,JM Financial Services, G-7 & G-8,Brij Anukamba,Plot No.K-13, Ashoka Marg,C-Scheme, Ph:0141-3984400. KOLKATA : Mr. Bharskar Chatopadyay, JM Financial Services, Kankaria Estate, 8th Flr,6th Little Russell Street, Ph: 033-3987 0330. MUMBAI : Mr Ashit Vora, JM Financial Services,1st Floor, Patel House, Next to ,M G Road, Vileparle (East), Ph:022-2613 5202-03/67077440-43. Ms.Riddhi Trivedi,JM Financial Services,Palm Court, M- Wing, 4th Floor, Goregaon Link Road,Malad (West), Ph:022-30877000/67617000-Ext.382. Mr.Nilesh Gavle, JM Financial Services,Ground Floor, Anushka, New Link Rd,Andheri (West), Ph:022- 66191600/612. Mr R Mukundan/Ms Armin Irani,JM Financial Services,2,3,4 Kamanwala Chambers,P M Road, Fort, Ph:022-3021 3500/2266 5577 - 80,. Ms Jyotsna Solanki/Mr C V George,JM Financial Services, 1st Floor, New Pushpanjali-II, Jambli Galli, (Factory Lane) , Opp Chintamani Jewellers, Borivali (West), Mumbai-400 092.Ph:022- 3021 5400/6695 9120 - 23. Ms Charulata Mehta/Mr. Tilak Sanil, JM Financial Services, 424/425 Kalidas Plaza, V B Lane,Ghatkopar (East), Ph:022-3097 8700/6710 4738. NEW DELHI : Mr Prasad Nair/Mr C S Tiwari,JM Financial Services, 114 Himalya House,23,K G Marg, Ph:011-4130 5000/3092 5500. PUNE : Mr Anand Shirke/Mr Sanjay Yelwande,JM Financial Services,205 Business Guild ,Opp. Krishna Dining Hall,Law College Road, Erandawane, Ph:020-3987 1600-01/ 66033730. RAJKOT : Mr. Sona Verghese, JM Financial Services,202 Solitaire, 2nd Floor, Swami Vivekananda Marg, Near Municipal Commissioner Bunglow, Ramkrishna Nagar,Ph:0281-3984000/3984101. SURAT : Mr. Dipen Shah/Mr. Nishant Trivedi, JM Financial, 407, 4th Floor, 21 Century Business Centre, Near Udhna Char Rasta, Ring Road, Ph:0261-3984000. VADODARA : Mr. Ghanshyam Vyas, JM Financial Services,G1Ground Floor, Shohan, 49 Alkapuri Society, Opp. HDFC Babk, Alkapuri, Ph:0265-3984 311. VISHAKHAPATNAM : Mr K S N Murthy, JM Financial Services,Door No 9-1-224/4/3, 1st Floor, Nandan Nirman,CBM Compound, Near Rama Talkies Junction, Ph:0891-3983800. AGRA: F4, 1st FLOOR, DEEPAK WASAN PLAZA, SANJAY PLACE, (BEHIND HOLIDAY INN) 282002 Ph- 562 - 2526660 / 63, AHMEDABAD: 7 - 8, 2ND FLOOR, 3RD EYE BUILDING, PANCHVATI CIRCLE, C.G.ROAD, KARVY STOCK BROKING LIMITED (Karvy Investor Services Limited locations would be same as given below) 380006 Ph- 79 - 079-26407543,44,66627901, AHMEDABAD - MANINAGAR: 208 H J HOUSE, NEAR RAMBAUG POLICE STATION, OPP: IOC PETROL PUMP, RAMBAUG 380008 Ph- 79 - 40304481,82, 83, AJMER: 12, II FLOOR, AJMER TOWERS, KUTCHERI ROAD 305001 Ph- 145 - 2628055 / 2628065/ 5120725, ALIGARH: 1st FLOOR, KUMAR PLAZA, RAMGATH ROAD, VISHNUPURI 202001 Ph- 571 - 2509106 & 08, ALLAHABAD: 2nd Floor, RSA Tower, Beside HDFC Bank, 57, Sardar Patel Marg, Civil Lines, 211001 Ph- 532 - 2260291-92-93(Extn 34), ALWAR: 101, 1ST FLOOR, SAURABH TOWER, OPP: UTI, ROAD NO.2, NEAR BHAGAT SINGH CIRCLE 301001 Ph- 144 - 3291200/3291300/3291400/270157401574, AMBALA: 5509, NICHOSON ROAD, ADJACENT KOS HOSPITAL AMBALA CANTONEMENT 133001 Ph- 171 - 3200223 / 2640668 / 2640669, AMRITSAR: 72-A TAYLOR’S ROAD, OPP.AGA HERITAGE GANDHI GROUND 143001 Ph- 183 - 5053802/3/4/5, ANAND: F-6, Chitrangana Complex, Opp: Motikaka Chawl ; V V Nagar 388001 Ph- 2692 - 248980/ 248873, ANANTHPUR: NO.15-149, 1ST FLOOR, S R TOWERS, OPP: LALITHAKALA PARISHAD, SUBASH ROAD 515001 Ph- 8554 - 249608, ASANSOL: 18 G T ROAD, 3rd FLOOR, 713301 Ph- 341 - 2214623, 2214624, 2214625, AURANGABAD: SHOP NO.214/215, TAPADIYA CITY CENTRE, NIRALA BAZAR 431001 Ph- 240 - 2363530,9665066551,52,53,54,57, BANGALORE - BASAVANAGUDI: NO.51/2, TKN COMPLEX, VANIVILAS ROAD, OPP: NATIONAL COLLEGE, BASAVANAGUDI 560004 Ph- 80 - 26606126, BANGALORE - INDIRA NAGAR: NO.746, 1ST FLOOR, KRISHNA TEMPLE ROAD, INDIRA NAGAR 1ST STAGE 560038 Ph- 80 - 25264344 / 2930 / 3249 / 30945543, BANGALORE - KORAMANGALA: A/8, 1ST FLOOR, KHB COLONY, OPP: MCIROLAND, 80 FEET ROAD 560095 Ph- 80 - 25527301, BANGALORE - MALLESWARAM: NO.337, GF-3, KARUNA COMPLEX, SAMPIGE ROAD, OPP: NEW VEGETABLE MARKET 560003 Ph- 80 - 23314678 / 23314680 / 23467548 / 30945549, BANGALORE - SKANDA ( R O ): “SKANDA” NO 59, PUTANA ROAD, BASAVANAGUDI 560004 Ph- 80 - 26621192 / 93, BANGALORE - VIJAYANAGAR: NO 1714/14-1, 1ST FLOOR, KSH CHAMBERS,21ST MAIN ROAD, BEHIND MARUTI MANDI, VIJAYANAGAR 560040 Ph- 80 - 23119028 / 9041 / 9040, BANGALORE - YELAHANKA: 2019/A, 1ST FLOOR, 3RD B CORSS, B SECTOR, YELAHNAKA NEW TOWN 560064 Ph- 80 - 28562726/ 2729 32913110 / 3502, BAREILLY: 1ST FLOOR, 165, CIVIL LINES, OPP: HOTEL BAREILLY PALACE, NEAR RAILWAY STATION 243001 Ph- 581 - 2574238 TO 39 / 2300414 /2420145 / 2476809, BELGAUM: FK-1, KHIMAJIBHAI COMPLEX, AMBEDKAR ROAD, OPP: CIVIL HOSPITAL 590001 Ph- 831 - 2402544 / 722 / 880/ 3095262, BELLARY: NO.1, KHB COLONY, GANDHINAGAR 583101 Ph- 8392 - 2.54532E+23, BHARUCH: FF 47/48, ADITYA COMPLEX, OPP: KASAK FUWARA 392002 Ph- 2642 - 225207, 225208,209, BHATINDA: 2048, 1ST FLOOR, OPP: , THE MALL ROAD 151001 Ph- 164 - 5006725 TO 727 / 2239521 / 2239522, BHAVNAGAR: 301, 3RD FLOOR,SURABHI MALL,NEAR ICICI BANK, WAGHAWADI ROAD 364001 Ph- 278 - 2567005, 06,3001004,05, BHILAI: NEW CIVIC CENTE SHOP NO 138, 0 490006 Ph- 788 - 2295329 / 37 / 32, BHILWARA: 27-28, 1ST FLOOR, HEERA-PANNA COMPLEX, PUR ROAD 311001 Ph- 1482 - 246362 / 246364 / 512586, BHOPAL: KAY KAY BUSINESS CENTRE, 133, ZONE 1, MP NAGAR 462011 Ph- 755 - 4092701 TO 704 /4092706 TO 708 / 4092710 TO 717 / 4092720 / 4092723/ 724, BHUBANESHWAR - II: PLOT NO. 104/105 P, BESIDES PAL HEIGHTS HOTEL, JAYADEV VIHAR 751013 Ph- 674 - 2360334/335/343/327, BHUBANESWAR: 624, SAHEED NAGAR, IST FLOOR, JANPATH 751007 Ph- 674 - 2547532 / 33 / 2547334, BIJAPUR: BELAMBAGI COMPLEX, 1ST FLOOR, SIDDESHWARA ROAD 586101 Ph- 8352 - 259160, 259161, 259162, BILASPUR: SHOP NO 201/202, V.R.PLAZA, LINK ROAD 495001 Ph- 7752 - 4.23024E+11, BOKARO: B-1,FIRST FLOOR, CITY CENTRE,NEAR SONA CHANDI, SECTOR-4 827004 Ph- 6542 - 233330/31/32, BURDWAN: BIRHATA (HALDER COMPLEX), 63, G T ROAD 713101 Ph- 342 - 2550801, CALICUT: FIRST FLOOR, SAVITHRI BUILDING, OPP.FATIMA HOSPITAL, BANK ROAD 673001 Ph- 495 - 2760882 / 2760884 / 2760883, CALICUT - MAVOOR ROAD: 1st FLOOR, SOUBHAGYA SHOPPING COMPLEX, MAVOOR ROAD, ARAYEDATHYPALAM 673004 Ph- 495 - 2742105 / 2742107 / 2742141, CHANDIGARH: SCO 32, 1ST FLOOR, PHASE 7, S A S NAGAR, 160 070 Ph- 0172 - 5091800/1, 5091802 (D), CHENNAI - ADAYAR: F-3, ADAYAR BUSINESS COURT, OLD NO.25,NEW NO 51, GANDHINAGAR 1ST MAIN ROAD 600020 Ph- 44 - 42116586, 42116587, 42076803, CHENNAI - ANNANAGAR: T-92, Ground Floor,3rd Avenue Main Road, Near Hotel Nalas Appa Kadai 600040 Ph- 44 - 26224482,42103538,39,42026482,42171314,42103913, CHENNAI - CHROMPET: N0 77 A, naidu shop road, first floor, radha nagar main road, chrompet, chennai 44, land mark opp IOV Bank 600044 Ph- 44 - 22653605, 42659023, 45574952, CHENNAI - DR B N ROAD: A- 8, 3RD FLOOR, MAHBUBANI TOWERS, NO. 48, DR. D N ROAD, T. NAGAR 600017 Ph- 44 - 28156672/ 42076807/804/10/ 42067832 / 36/37/38/30/31/27/45544129/058/42649248/43546448/42023762, CHENNAI - NANGANALLUR: NO 48, FIRST MAIN ROAD, FIRST FLOOR, NANGANALLUR 600061 Ph- 44 - 22245228,43586266,68,43588503, CHENNAI - PURASAIWAKKAM: F-22, PRINCE TOWER, 94-113, PURASAIWAKKAM HIGH ROAD 600010 Ph- 44 - 42042567 / 568 / 42041904, CHENNAI - SOWCARPET: SUNDAR KRISHNA COMPLEX, 3RD FLOOR, NO.8, LUCKMODOSS STREET 600003 Ph- 44 - 42051557/42051471/42159898/42623740/41/42, CHENNAI - SWATI COURT - REGIONAL OFFICE: G-1, SWATI COURT, 22, VIJAYA RAGHAVA ROAD, T NAGAR 600017 Ph- 44 - 28151034 / 28153445 /42126406 / 42125604 / 45574073 / 74 /45900910, CHENNAI - THIRUVALLUR: NO.7, SRIPERAMBADUR ROAD, MANAVALAN NAGAR, THIRUVALLUR 602002 Ph- 44 - 27640552/37690717, CHENNAI - VADAPALANI: DOSHI GARDENS, SHOP NO.10, 2ND FLOOR, D-BLOCK, 174, N S K SALAI, VADAPALANI 600026 Ph- 44 - 42013425/42048103/42048309, COIMBATORE - REGIONAL OFFICE: “JAYA ENCLAVE” 1057/1508, AVANASHI ROAD 641018 Ph- 422 - 4291000 — 30, COIMBATORE - SAI BABA COLONY: 29/1, CHINTAMANI NAGAR, OPP: , NSR ROAD, SAIBABA COLONY 641011 Ph- 422 - 2452161 / 162 / 163, CUTTACK: OPP: JAGANNATH PETROL PUMP, ARUNODAYA MARKET, LINK ROAD 753012 Ph- 671 - 2335187,88, CUTTACK - 2: DARGHA BAZAR, 1ST FLOOR, 753001 Ph- 671 - 2613905 / 2613906, DAVANAGERE: NO.15/9, 1ST FLOOR, SOBAGU COMPLEX, 2ND MAIN ROAD (AVK COLLEGE ROAD), P J EXTENSION 577002 Ph- 8192 - 258712/13/14, DEHRADUN: 48/49, PATEL MARKET, OPP: PUNJAB JEWELLERS, NEAR GANDHI PARK, RAJPUR ROAD 248001 Ph- 135 - 2713351 / 2714046 / 47 /2713372 / 2714382 / 2712373, DEHRADUN - KAULAGARH ROAD: KAULAGARH ROAD, NEAR SIRMOUR MARG 248001 Ph- 135 - 2754334 / 2754336, DINDIGUL: NO.9, NEW AGRAHARAM, PALANI ROAD 624001 Ph- 451 - 2436077, DURGAPUR: OLD DUTTA AUTOMOBILE BUILDING, 1ST FLOOR, BENACHITY, MALANCHA ROAD 700013 Ph- 343 - 2586375 to 77, DURGAPUR: OLD DUTTA AUTOMOBILE BUILDING, 1ST FLOOR, BENACHITY, MALANCHA ROAD 700013 Ph- 343 - 2586375 to 77, ERODE: NO.4, VEERAPAN TRADERS COMPLEX, OPP: ERODE BUS STAND, KMY SALAI, SATHY ROAD 638003 Ph- 424 - 2225615, FARIDABAD: A-2B, 1ST FLOOR, NEELAM BATA ROAD, NIT 121001 Ph- 129 - 418000 / 105, GANDHIDHAM: OFFICE NO.12, KOMAL COMPLEX,2ND FLOOR, PLOT NO 305, NEAR SHIVAJI PARK, SECTOR 12-B 370201 Ph- 2836 - 228630, GANDHINAGAR: 27, SUMAN TOWER, 1ST FLOOR, NEAR HOTEL HAVELLY, SECTOR NO.11 382011 Ph- 79 - 079-23240166,66736021/22, GHAZIABAD: 1ST FLOOR, C-7, LOHIA NAGAR 201001 Ph- 120 - 2701886 / 2701891 / 4112133, GORAKHPUR: ABOVE V.I.P. HOUSE, ADJACENT A.D. GIRLS COLLEGE, BANK ROAD 273001 Ph- 551 - 2346519 / 2333825 / 2333814, GULBARGA: ASIAN TOWER, SHOP NO.F-1, FIRST FLOOR, JAGAT STATION MAIN ROAD, NEXT TO HOTEL ADITYA 585103 Ph- 8472 - 262502, GUNTUR: 10/1,sai house, ARUNDELPET 522002 Ph- 863 - 2326686,85,84 2326687, GURGAON: SHOP NO.18, NEAR HUDA OFFICE, GROUND FLOOR, OPP: AKD TOWER, SECTOR 14 122001 Ph- 124 - 4297206 / 4297202 / 4297205 / 4297200, GUWAHATI: 2ND FLOOR, RAM KUMAR PLAZA, CHATRIBARI ROAD, NEAR HIMATSHINGA PETROL PUMP 781001 Ph- 361 - 2608102 / 2608122, GWALIOR: NEAR NADIGATE PUL, MLB ROAD, SHINDE KI CHAWANI 474001 Ph- 751 - 4069001 / 4069002 /4087774, HALDWANI: 1st Floor, Kapilaz Sweet House, Opp LIC Office Kaladhungi Road 263139 Ph- 5946 - 2264519-20 / 250521, HARIDWAR: 8, GOVIND PURI, OPP: LIC-2, ABOVE VIJAY BANK, MAIN ROAD, RANIPUR MORE 249401 Ph- 1334 - 266514 / 266515 / 315420, HASSAN: ST. ANTHONY’S COMPLEX, GROUND FLOOR, H N PURA ROAD,OPP. CANARA BANK 573201 Ph- 8172 - 262032,51,52,53,65, HAZARIBAGH: C/O. HEMALATA JAIN, KALIBARI ROAD, DEENDAYAL LANE 825301 Ph- 6546 - 267352/267353/267354, HISAR: SCO 71, RED SQUARE MARKET, 1ST FLOOR 125001 Ph- 1662 - 225845 / 225868 / 225836 /315761, HOSUR: 105/2-4; NARASAMMA PARADISE OPP HOSUR BUS STAND, BAGALUR ROAD, ABOVE NANDHINI HOTEL 635109 Ph- 4344 - 247383; 247385; 247386/9789730690, HUBLI: GIRIRAJA HOUSE, NO.451/B, WARD NO.1, CLUB ROAD 580029 Ph- 836 - 2353962, 2353974, 2353975, HYDERABAD - BANJARA HILLS (H.O): KARVY CENTRE, GROUND FLOOR, AVENUE 4,STREET NO.1 500034 Ph- 40 - 23388743, 66510313, HYDERABAD - BEGUM BAZAR: 15-6-464/470, 1ST FLOOR, SALASAR COMPLEX, (NEAR FISH MARKET), BEGUM BAZAR 500012 Ph- 40 - 23433100, HYDERABAD - BHEL: 1ST FLOOR, PLOT NO.2, 1-1-128/B, CHANDA NAGAR, SERILINGAMPALLY, NEAR BHEL 500050 Ph- 40 - 23030028, 23030029, 23433126/132, HYDERABAD - DILSUKH NAGAR: VIJETHA GOLDEN EMPIRE, FLAT NO. 103, FIRST FLOOR, h NO.16-11-762/762B & C, BESIDE ANADAL NILAYAM, MOOSARAMBAGH 500036 Ph- 40 - 23433116 / 117 / 135 134 / 136, HYDERABAD - HIMAYAT NAGAR: 3-6-196/197, FIRST FLOOR, HIMAYAT NAGAR 500029 Ph- 40 - 23388749 23388771, HYDERABAD - KUKATPALLY: SAI VIKRAM TOWERS, 1st FLOOR FLAT NO 11, KUKATPALLY MAIN ROAD, NEAR KUKATPALLY BUS STOP, KUKATPALLY 500072 Ph- 40 - 23433137/119, INDORE: BALAJI COPORATE, 19/1, NEW PALASIA, NEAR JANGEERWALA CHOWRAHA, 452001 Ph- 731 - 4081500 TO 4081524, JAIPUR: S-16/A, LAND MARK, OPP: JAI CLUB, MAHAVEER MARG, C - SCHEME 302001 Ph- 141 - 2378703 / 04/ 05/ 06 / 2363321 / 2375039 / 2375099, JALANDHAR: LOWER GROUND FLOOR, OFFICE NO.3, PRIME TOWER, PLOT NO.28, G T ROAD 144001 Ph- 181 - 4634401 TO 415, JALGAON: LAXMINARAYAN PLAZA, 148, NAVIPETH, OPP. VIJAYA BANK 425001 Ph- 257 - 2226761,3024000,01,02,03,04, JAMMU: 1ST FLOOR, 29 D/C, NEAR SERVICE SELECTION BOARD, GANDHI NAGAR 180004 Ph- 191 - 9205044665 / 668, JAMNAGAR: G-12,MADHAV PLAZA,OPP-SBI BANK, NEAR LAL BUNGLOW 361008 Ph- 288 - 2556520 /2556260 / 2556420, JAMSHEDPUR: 3RD FLOOR, KANCHAN TOWERS, 3 SB SHOP AREA, BISTUPUR MAIN ROAD, 831001 Ph- 657 - 2487020, 2487045, 2320048, JHANSI: 371/01, NARAYAN PLAZA, JEEVAN SHAH CROSSING, OPP: TELEPHONE EXCHANGE, GWALIOR ROAD 284003 Ph- 510 - 2333682 TO 685 / 2440141 / 142, JODHPUR: 203, MODI ARCADE, CHOPSKINI ROAD 342001 Ph- 291 - 5103026 / 5103046 /3251441, JUNAGADH: 124 - 125, PUNIT SHOPPING CENTRE, M G ROAD, RANAVAV CHOWK 362001 Ph- 285 - 2624154, 2652220,2624140,2624141, KAKINADA: 13-1-46, SRI DEEPTI TOWERS, MAIN ROAD 533001 Ph- 884 - 2387381,82,83, KANCHEEPURAM: NO.111, FIRST FLOOR, KAMARAJAR STREET 631502 Ph- 44 - 47203660 / 47201030 / 27224352, KANPUR - CIVIL: 15/46, CIVIL LINES, NEAR MUIR MILLS, STOCK EXCHANGE ROAD 208001 Ph- 512 - 2330127 / 2331445 / 2333395 / 96 / 2333492, KANPUR - : 81/4, BLOCK NO. 9, GOVINDNAGAR, 208006 Ph- 512 - 2604165 / 2605177 / 2605176, KARNAL: SHOP NO.26, KUNJPURA ROAD, NEHRU PALACE 132001 Ph- 184 - 2251524 / 2251525 / 2251526, KARUR: NO.6, THIRU-VI-KA ROAD 639001 Ph- 4324 - 241892, KOCHI - KAKANAD: 7/462, B5, TRANS AVENUE, NE EKM DIST COOP BANK, HEADQUARTERS 682030 Ph- 484 - 2423191, 3949087, KOCHI - MATTANCHERRY: D. NO. 6/0290, OPP: HAZI ESSA SCHOOL, GUJARATHI ROAD 682 002 Ph- 0484 - 2211229 / 2211225 / 2223243, KOCHI - TRIPUNITHURA: 1ST FLOOR, PINDYS COMPLEX, MARKET JUNCTION 682301 Ph- 484 - 2777330, 3571041, KOCHI/ERNAKULAM: G 39, PANAMPALLY NAGAR, OPP: KERALA STATE HOUSING BOARD 682036 Ph- 484 - 2322724 / 726 / 152 /2310884, KOLHAPUR: OMKAR PLAZA 1 ST FLOOR, UNIT F - 2 & F - 4,RAJARAM RTOAD, BAGAL CHOWK, 416008 Ph- 231 - 2520650 / 2520655, KOLKATA - DALHOUSIE: 19, R N MUKHERJEE ROAD, 2ND FLOOR 700001 Ph- 33 - 22437863 to 69 / 90 / 89, KOLKATA - HOWRAH MAIDAN: 493/C/A, G. T. ROAD (S), BLOCK-G, 1ST FLOOR,VIVEK VIHAR 711102 Ph- 33 - 26382345 / 2535/ 26404213 / 26370547, KOLKATA - JATIN DAS ROAD: 49, JATIN DAS ROAD, NEAR DESHPRIYA PARK 700029 Ph- 33 - 24647231,32, 24644891, KOLKATA - NEW ALIPORE: 22N/1, BLOCK A, NEW ALIPORE 700053 Ph- 33 - 23996203,04,05, KOLKATA - PHOOLBAGAN: P-335, CIT SCHEME,6M, PHOOLBAGAN 700054 Ph- 33 - 23648927 ; 23628486, KOLKATA - SALT LAKE: AD-60, SECTOR - 1, SALT LAKE CITY 700064 Ph- 33 - 23210461 to 23210464 / 0587, KOTA: 29, SHOPIING CENTRE, 1ST FLOOR KOTA 324007 Ph- 744 - 2365144 / 2365145 / 2365146, KURNOOL: SHOP NO.43, 1ST FLOOR,SV COMPLEX, S V COMPLEX, RAILWAY STATION ROAD 518004 Ph- 8518 - 2.2895E+23, LUCKNOW - ALAMBAGH: KSM TOWER, CP-1 SINDER DUMP, ALAMBAGH 226005 Ph- 522 - 4104290 - 96, LUCKNOW - ALIGANJ: HIG-67, SECTOR E, ALIGANJ 226024 Ph- 522 - 4104280 - 89, LUCKNOW - ASHOK MARG: 24, “USHA SADAN”, PREM NAGAR, ASHOK MARG 226001 Ph- 522 - 4104300 - 309, LUCKNOW - CHOWK: TEJ KRISHAN PLAZA, 313/9, KHUN KUNJI ROAD, CHOWK 226003 Ph- 522 - 4104310 - 16, LUCKNOW - GOMTI NAGAR: B-1/2, VIJAY KHAND, NEAR UNION BANKOF INDIA GOMTI NAGAR 226010 Ph- 522 - 4104270 - 79, LUCKNOW - HAZRATGUNJ: 94, MAHATMA GANDHI MARG, OPP: GOVERNOR HOUSE, HAZRATGANJ 226001 Ph- 522 - 2236819-28, 3817001 (rim), LUDHIANA: SCO 136, 1ST FLOOR, FEROZE GANDHI MARKET 141001 Ph- 161 - 44680050 / 4680062-63 / 4680080 / 4680000 TO 6, MADURAI - BYE PASS ROAD: RAKESH TOWERS, OPP NAGAPPA MOTOR, NO.30, BY PASS ROAD, 625010 Ph- 452 - 2600851 - 854, MADURAI - K K NAGAR: PLOT NO 654 - 80 FEET ROAD, NEXT TO LAKSHMI ARASU KALYANA MANDAPAM, K K NAGAR 625020 Ph- 452 - 4391700 / 600 / 2523109/ 2530731, MADURAI-GOODSHED: 274, GOODS SHED STREET, ~ 625001 Ph- 452 - 2350852, MANGALORE: MAHENDRA ARCADE, NO.4-6-577/21/22, KODIABAIL 575003 Ph- 824 - 2492302, 2496332, 2492901, MARGAO: 2 FLOOR, DALAL COMMERCIAL COMPLEX, OPP: HARI MANDIRPAJI FOND 403601 Ph- 832 - 2.73182E+27, MATHURA: BASEMENT ADITYA PALACE, SOKH ADDA JUNCTION ROAD 281004 Ph- 565 - 2463172 / 2463172 / 2463174 / 2463782 / com-2463791, MEERUT: 1ST FLOOR, MEDI CENTRE, OPP EVES CENTRE HAPUR ROAD NEAR BACHHA PARK 250002 Ph- 121 - 4033727 / 3271640, MEHSANA: Ul -47, Appolo Enclave; Opp Simandhar Temple, Modhera Char Rasta; Highway 384002 Ph- 2762 - 322559, 242950, MOHALI: SCO 32, 1ST FLOOR, PHASE 7, S A S NAGAR, 160062 Ph- 172 - 5091800/1, 5091802 (D), MORADABAD: FIRST FLOOR, SINGH BHAWAN, CHOWK TAARI KHANA GMD ROAD 244001 Ph- 591 - 2310470 / 2320470 / 3200702, MUMBAI - ANDHERI - KSBL: 7, ANDHERI INDUSTRIAL ESTATE, OFF: VEERA DESAI ROAD 400053 Ph- 22 - 26730799 / 843 / 311 / 867 / 153 / 292, MUMBAI - CHEMBUR: SHOP NO.10,PLOT NO.71-B,SHRAM SAFALYA, NEAR CHEMBUR STATION,OPP VHAISHALI HOTEL,CHEMBUR EAST 400071 Ph- 22 - 25211839, MUMBAI - DADAR WEST: 101 SAPNA BUILDING, ABOVE IDBI BANK, S K BHOLE MARG, DADAR WEST 400 028 Ph- 022 - 24329763, 24322158, 24324378, 24329738, 24324662, MUMBAI - FORT (TRANSWORLD) - CENTRALISED DEALING: 16/26, 16/22, TRANSWORLD, MAHARASHTRA CHAMBERS OF, COMMERCE LANE, OPP MCS BANK, FORT 400023 Ph- 22 - 66314326, 22844777,22842668, MUMBAI - MALAD (WEST): 29,FIRST FLOOR, PATEL SHOPPING CENTRE, OPP. FOODLAND RESTAURANT,SAINATH ROAD, MALAD (WEST) 400064 Ph- 22 - 28824241 / 28828281 / 28895159 / 28891077, MUMBAI - TARDEO: ROOM NO.115, ARUN CHAMBERS, 1st FLOOR, NEXT TO A/C MARKET, TARDEO 400034 Ph- 22 - 66607042, MUMBAI - VASHI: B-153, VASHI PLAZA, SECTOR 17, VASHI 400705 Ph- 22 - 67912087, 67912168, 67912169, MUZAFFARNAGAR: 203/99, C SADAR BAZAR, TOWN HALL ROAD, OPP: PEACE LIBRARY, ABOVE 251001 Ph- 131 - 2437349, 2437359, MYSORE: NO.9/2, NEW NOL.L-350, SILVER TOWER, 1ST FLOOR, ASHOKA ROAD, OPP: CLOCK TOWER 570001 Ph- 821 - 2524292, 2524294, NADIAD: 104-105, CITY POINT, NEAR PARAS CINEMA 387001 Ph- 268 - 2563245, 2563210,2563248,2551764,2551596, NAGERCOIL: 3A, SOUTH CAR STREET, ~ 629001 Ph- 4652 - 233551/52/53, NAGPUR: 230-231, 3RD FLOOR, SHREERAM TOWER, NEAR NIT BUILDING,SADAR 440001 Ph- 712 - 6614146 / 6614145, NANDED: 88-A, “RACHANA” , YASHWANT NAGAR, 431602 Ph- 2462 - 325885 / 247885, NASHIK: F1, SUYOJIT SANKUL, SHARANPUR ROAD 422002 Ph- 253 - 9665066531,32,33, NAVSARI: 1/1,1ST FLOOR, CHINMAY ARCADE, OPP: SATTAPIR, TOWER ROAD 396445 Ph- 2637 - 280364, 280366,280367, NEW DELHI - CONNAUGHT PLACE: 105-108, ARUNACHAL BUILDING, 19, BARAKHAMBA ROAD, CONNAUGHT PLACE 110001 Ph- 11 - 23324401 / 43509200 / 23324409, NEW DELHI - JANAKPURI: 110-112, 1ST FLOOR, SUNEJA TOWER, I DISTT. CENTRE, JANAK PURI NEW DELHI 110058 Ph- 11 - 25547631 / 25547637 / 41587300 / 41588242, NEW DELHI - MOTI NAGAR: 23, SHIVAJI MARG MAIN, MAIN NAJAFGARH ROAD MOTI NAGAR NEW DELHI 110015 Ph- 11 - 45436371 / 41428501 TO 05 / 41428563 / 32031582, NEW DELHI - NEHRU PLACE: 301, VISHAL BHAVAN, 95, NEHRU PLACE 110019 Ph- 11 - 41808123 / 26447065 / 66 / 74, NEW DELHI - PASCHIM VIHAR: B 2, DDA MARKET SHOP NO.50, PASCHIM VIHAR NEW DELH 110063 Ph- 11 - 42321024 / 42321392 / 25263902 / 03, NEW DELHI - ROHINI: 104, 1ST FLOOR, NANDA DEVI TOWERS, PRASHANTH VIHAR, CENTRAL MARKET 110085 Ph- 11 - 27864193 / 27864281 / 27864377, NOIDA: 307,2nd FLOOR JAIPURIA PLAZA, D-68A, 2ND FLOOR, (OPP DELHI PUBLIC SCHOOL) SECTOR 26 201301 Ph- 120 - 2539271 / 2539272 / 2539273, PANAJI: 18,19,20, CITY BUSSINESS CENTRE, COEL HO PEREIERA BUILDING, DADA VIADYA ROAD, OPP JAMA MASZID ROAD 403001 Ph- 832 - 2426870, 2426871, 2426872, PANCHKULA: 1st FLOOR, DSS NO. 404, SECTOR-8, PANCHKULA 136109 Ph- 172 - 2572135 / 2572148 / 2572149, PANIPAT: 1ST FLOOR, KRISHNA TOWER, ABOVE AMERTEX, GT ROAD 132103 Ph- 180 - 2644308 / 2644376 / 3200135 / 3200136, PATIALA: SCo 27b, CHHOTI BARANDARI 147001 Ph- 175 - 5051726 / 5051727 / 5051728, PATNA: ANAND TOWER, 2ND FLOOR, EXHIBITION ROAD, NEAR REPUBLIC HOTEL, OPP: ICICI BANK 800001 Ph- 612 - 2321354 / 56 / 57, PONDICHERRY: NO.7, THIAYAGARAJA STREET 605001 Ph- 413 - 2220640, PUDUKOTTAI: SUNDARAM MASILAMANI TOWERS, NEAR ANNA STATUE, JUBILEE ARTS 0 Ph- 4322 - 220050, PUNE: OFFICE NO.6, THIRD FLOOR, RACHANA TRADE ESTATE, LAW COLLEGE ROAD, NEAR SNDT CIRCLE, CTS NO.105, ERANDWANE 411033 Ph- 20 - 66048790 (5 LINES) / 91 / 92 / 93, PUNE - AKURDI: RAMEERA TOWERS, 130 / 24,PCMTDA, TILAK ROAD, NIGIDI,PRADHIKARAN 411044 Ph- 20 - 27659115, RAICHUR: “SANGEETA ARCADE”, NO.11-2-61,1ST FLOOR, LINGSUGUR ROAD 584101 Ph- 8532 - 225856,57,58,59,60, RAIPUR: LOWER LEVEL-02& 03, MILLENNIUM PLAZA, NEAR INDIAN COFFEE HOUSE, G E ROAD 492001 Ph- 771 - 2236694,96,4039320, RAJAHMUNDRY: D NO 6-1-4, 1ST FLOOR, RANGACHARY, T NAGAR 533101 Ph- 883 - 2434468,69,70, RAJKOT: 104, SIDDHIVINAYAK COMPLEX, DR. YAGNIK ROAD, OPP. RAMKRISHNA ASHRAM 360001 Ph- 281 - 3291043, 3291042, 2239338, RANCHI: 203,”COMMERCE TOWERS”, 2ND FLOOR, BESIDE MAHABIR TOWERS, MAIN ROAD 834001 Ph- 651 - 2330386, 2330394, 2330320, RATLAM: NAGPAL BHAVAN, FREEGANJ ROAD RATLAM MADHYA PRADESH 457001 Ph- 7412 - 402000 TO 402005, REWA: IST FLOOR, ANGOORI BUILDING, BESIDES , TRANS UNIVERSITY ROAD, CIVIL LINES 486001 Ph- 7662 - 408522 / 408148 / 408147 / 408143 / 408142 / 255993, ROHTAK: 1ST FLOOR, ASHOK PLAZA, DELHI ROAD 124001 Ph- 1262 - 271983-84 / 258019, ROORKEE: ASHADEEP COMPLEX, 16, CIVIL LINES, NEAR INCOME TAX OFFICE 247667 Ph- 1332 - 277664 / 277667 / 275811 / 275812, ROURKELA: PLOT NO.554, 1ST FLOOR, SANDHU COMPLEX, KACHERY ROAD, UDIT NAGAR 769012 Ph- 661 - 2510770, 2510771, 2510772, SALEM: 40, BRINDAVAN ROAD,5th cross, NEAR PERUMAL KOIL, FAIR LANDS 636016 Ph- 427 - 2335701,02,03,04,05, SAMBALPUR: QUALITY MANSION, GROUND FLOOR, NAYAPARA,OPP BAZAR KOLKATTA 768001 Ph- 663 - 2522105, 2522106, 2522948, SATNA: 1ST FLOOR, GOPAL COMPLEX, REVA ROAD 485001 Ph- 7672 - 403791 / 225957 / 408146 / 409113 / 409112 / 401347, SHILONG: MANI BHAWAN ANNEX, THANE ROAD, OPP: RKM ELP SCHOOL, LOWER POLICE BAZAR 793001 Ph- 364 - 2224186 / 75 / 8172, SHIMLA: TRIVENI BUILDING, BY PAS CHOWK, KHALLINI 171002 Ph- 177 - 2003205 / 2623205 / 2624453, SHIMOGA: NO.8-50/A, LLR ROAD; OPP: TELECOM GMS OFFICE, DURGIGUDI 577201 Ph- 8182 - 228795,96,97,226747, SIKAR: SUPER TOWER, 1ST FLOOR, BEHIND RAM MANDIR 332001 Ph- 1572 - 517526 / 517527 / 250393 / 250398, SILIGURI: NANAK COMPLEX, 2ND FLOOR, SEVOKE ROAD 734401 Ph- 353 - 2526393, 2526394, 2526395, 2526396, 2526397, SRIGANGANAGAR: 35E BLOCK, OPP: SHEETLA MATA VAATEKA SRI GANGANAGAR 335001 Ph- 154 - 2471300 / 2472300, SURAT: G-16, EMPIRE STATE BUILDING, NEAR UDHANA DARWAJA, RING ROAD 395002 Ph- 261 - 3017155 - 52, THANE (MUMBAI): 103, JIVAN CHAYA BLDG., RAM MARUTI ROAD, NAUPADA 400602 Ph- 22 - 25380645/25380633/25446121/25446124,25446129, THANJAVUR: NALLIAH COMPLEX, NO.70, SRINIVASAM PILLAI ROAD 613001 Ph- 4362 - 279407, THENI: SIVA TOWER 265; SUBBAN CHETTY STREET CUMBUM, SUBBAN CHETTY STREET,CUMBUM ROAD, 625531 Ph- 4546 - 261285 /261108 / 261295, THIRUNELVELI: JENEY BUILDING, NEAR ARAVIND EYE HOSPITAL 627001 Ph- 462 - 2335135,36,37, THIRUVANANTHAPURAM: 2ND FLOOR, AKSHAYA TOWERS, SASTHAMANGALAM 695010 Ph- 471 - 2725989 / 90 / 91, TIRUPATI: NO16FIRST FLOOR, RC ROAD, 0 517502 Ph- 877 - 2252756, TIRUPUR: 244 A, 1ST FLOOR, KAMARJ ROAD, OPP COTTON MARKET COMPLEX 641604 Ph- 421 - 2214221 / 2214319, TRICHUR: 2ND FLOOR, BROHERS COMPLEX, NEAR DHANALAXMI BANK HEAD OFFICE, NAIKKANAL JUNCTION 680001 Ph- 487 - 2322483 / 2322484 / 2322493 / 2322494, TRICHY: SRI KRISHNA ARCADE, 60, THENNUR HIGH ROAD, THENNUR 621017 Ph- 431 - 2791322 / 2798200 / 2793799 / 2793800 2791000, TUTICORIN: MANGALMAL, MANI NAGAR, RAJAJI PARK,OPPTUTICORIN MANINAGAR 628003 Ph- 461 - 2334601, UDAIPUR: 201-202, MADHAV CHAMBERS, OPP: GPO MADHUBAN 313001 Ph- 294 - 5101601 / 5101602 / 5101603, UDIPI: GROUND FLOOR, SRIRAM ARCADE, OPP: HEAD POST OFFICE 576101 Ph- 820 - 25,309,622,530,964, UDUPI: GROUND FLOOR, SRIRAM ARCADE, OPP: HEAD POST OFFICE 576101 Ph- 820 - 2530962, 2530963, 2530964, 5294554, UJAIN: 101, ASTHA TOWER, 13/1, DHANWANTARY MARG, FREEGANJ 456010 Ph- 734 - 4250001 TO 4250010, VADODARA - AJWA ROAD: FF - 4, SHITAL PLAZA, UDAYNAGAR SOCIETY, NEAR MAHAVIR HALL 390019 Ph- 265 - 2513508 / 09 / 2510318, VADODARA - GORWA: 1/2/3, JALANAND TOWNSHIP, NEAR UNDERA JAKAT NAKA 390016 Ph- 265 - 3240300, 2266136, VADODARA - KARELIBAUG: SB-3 & 4, AMARAPALI COMPLEX, NEAR MUKTHANAND BUS STAND, WATER TANK ROAD, KARELIBAUG 390018 Ph- 265 - 2463783,84,2493048,9725013178 / 79,9974079290, VADODARA - NIZAMPURA: GF-11, ALIAN COMPLEX, NEAR DEVDEEP COMPLEX 390002 Ph- 265 - 320988, 3241301,2750462, VADODARA - SAVOY - REGIONAL OFFICE: T-2, 3RD FLOOR “SAVOY” COMPLEX, HARIBHAKTI EXTN, OPP. ABS TOWER, OLD PADRA ROAD 390007 Ph- 265 - 6456183 / 6456186 / 6456187,3083000,01,02, VADODARA - SAYAJIGUNJ: 38, PAYAL COMPLEX,NEAR FORTUNE TOWERS, NEAR LTD 390005 Ph- 265 - 2225168 / 169, 2361514 / 2225220, VADODARA - SUBHANPURA: FF4, CHANAKYA COMPLEX, HIGH TENSION CHAR RASTA, SUBHANPURA 390007 Ph- 0265 - 3259056, 3244634, VALSAD: SHOP NO.2, PHIROZA CORNER, TITHAL CROSS ROAD 396001 Ph- 2632 - 326901, 326902, VAPI: SHOP NO.5, BHIKHAJI REGENCY, OPP: DCB BANK, VAPI-SILVASSA ROAD 396195 Ph- 260 - 2.42322E+20, VARANASI: D 64 / 132, KA, 1ST FLOOR, “ANANT COMPLEX”, SIGRA 221001 Ph- 542 - 2225365 / 2227257 / 2227258, VELLORE: 1, M N R ARCADE, OFFICERS LINE, KRISHNA NAGAR 632001 Ph- 416 - 2215007, VIJAYAWADA: 39-10-7, OPP: MUNICIPAL WATER TANK, LABBIPET 520010 Ph- 866 - 2495200 / 400 / 500 / 600 / 700 / 800, VIJAYAWADA - ONE TOWN: 11-1-25, GMR PLAZA, FIRST FLOOR,BRP ROAD, 520001 Ph- 866 - 2565535,36,37,38, VISAKHAPATNAM: 47-14-5/1, ESWAR PARADISE, DWARAKA NAGAR MAIN ROAD 530016 Ph- 891 - 2752915 to 18, VISHAKAPATNAM - GAJUWAKA: DOOR NO.181/21, JHAALA COMPLEX, N H 5 ROAD 530026 Ph- 891 - 2511685, 2511686,2511681, WARANGAL: SHOP NO.5 & 6, 1ST FLOOR, CHANDRA COMPLEX, 5-6-94, LASHKAR BAZAR, OPP: B.Ed COLLEGE 506001 Ph- 870 - 2551484, 2551494, YAMUNA NAGAR: JAGDHARI ROAD, ABOVE UCO BANK, NEAR D.A.V. GRILS COLLEGE 135001 Ph- 1732 - 262911 / 262913. New Delhi: 47, M.M. Road, Rani Jhansi Marg, Jhandewalan, New Delhi – 110055 011-23636363/62 New Delhi: 105, Anchal Plaza,Nelson Mandela Road Vasant Kunj,New R.R. EQUITY BROKERS PRIVATE LIMITED (RR INVESTORS CAPITAL SERVICES (P) LIMITED locations would be same as given below) Delhi-110070, 011-26891262,26134764 New Delhi: 105, Pratap Bhawan , Bahadur Shah Zafar Marg, New Delhi - 110001 011- 49505500,41509018 New Delhi: 118, Gagandeep Building, Rajendra Place , New Delhi- 110008 011- 25764872,41538956 Delhi: 106, Pankaj Chambers, Preet Vihar Community Centre, Delhi - 110092, 011-42421238-39, 49504400 Delhi: Shop No. 24, FD Market, Near Madhuban Chowk, Pitampura , Delhi - 110034 011 - 27311419 New Delhi: N-24 - 25, Connaught Place, New Delhi - 110001 011- 41523306, 46308803, 41523229 New Delhi: 111, Jyotishikhar, 8 Distt. Centre , Janakpuri, New Delhi - 110018 011- 25617654 Kolkata: 704,Krishna Bldg.,224,AJC Bose Road, Kolkata- 700017 033-22802963/22806878 Mumbai: 18 First Floor,105 bombay Samachar Marg.,Fort, Mumbai- 400023 022-40544201/224 Mumbai: 133A, Mittal Tower, A Wing, 13th Floor, Nariman Point, Mumbai- 400021 9324804084 Ahmedabad: 401, Abhijit-1, Opp. Bhuj Mercantile Bank, Mithakhali, 6 Road, Navrangpura, Ahmedabad-390009 079- 40211888 Jaipur: 7,Katewa Bhawan,Opp. Ganapati Plaza, MI Road,Jaipur- 302001 0141-3235456 Lucknow: G-32,Shriram Tower,13- A,Ashok Marg, Lucknow- 226001 0522- 4057612 Chandigarh: SCO-222-223,Gr. Floor,Sector-34A, Chandigarh 0172-2624896 Bangalore: S-111,Manipal Centre,47,Deckenson Road,Banglore-42 080-42477177 2 MUTHOOT FINANCE LIMITED MUTHOOT FINANCE LIMITED : APPLICATION FORMS AVAILABLE AT FOLLOWING LOCATIONS LEAD MANAGERS TO THE ISSUE / LEAD BROKERS TO THE ISSUE Chennai: 3rd Flr.,Percision Plaza,New -397, Teynampet, anna Salai, Chennai- 600018 044-42077370/71 Dehradun: 56, 1st Floor, Rajpur Road,Opp. Madhuban, R.R. EQUITY BROKERS PRIVATE LIMITED (RR INVESTORS CAPITAL SERVICES (P) LIMITED locations would be same as given below) Dehradun, Uttaranchal- 248001 0135-3258181 Vadodara: 222 Siddharth Complex,RC Dutta Road.,Vadodra- 390007 0265-3256190/2353195 Ghaziabad: 114, Satyam Complex, Raj Nagar DC, Raj Nagar, Ghaziabad - 201002, Uttar Pradesh 0120-2828090 Noida: P-5,Sector - 18,Noida- 201301, Uttar Pradesh 0120-4336992 Faridabad: Shop No. 55, 1st Floor, Near Flyover,Neelam Chowk,NIIT, Faridabad - 121001, Haryana 0129-02427361 Indore: 206 Gold Arcade, 1/3 New Palasia, Indore M.P- 452001 9826062666 Agra: 9, Sbi Colony, 1st Floor, Opp. Subhash Park, M.G.Road, agra, UP 9319087289 Varanasi: Shop no. 38, Ground Floor Kuber Complex, Rath Yatra 9415201997 Surat: 9-Ravi Raj Society, Behind Gayatri Mandir,New City Light Road Surat Gujarat 395002 0261-2265818, 9925233692 Manglore: F 2 1st Floor Adithi Arcade Karangalpay mangalore 575003 Karnataka 9845288557, Dhanbad: 218,Sri Ram Plaza 2nd,Floor Bank More,Dhanbad Jharkhand-826000 9431721838, 9431159178 Bokaro: Ga-18,City Center Sector-4 Bakaro Steel City, Jharkhand-827004, 9835139765, 9835377584 Patna: 422-23, 4th Floor,Ashiyana Harniwas Complex,New Dak Bunglow Road Patna Bihar 800001 9334114868, 9334114868 Durgapur: Banerjee House- Dakshinayan Durgapur-713218 West Bengal 0343-2556908, 9434009475 Gorakhpur: Gupta Metal Stores, Harbans Gali, Hindi Bazar Gorakhpur U.P 273005 0551-2205986, 9936590296 Kanpur: 26 L.G.F. Roland Tower 17/5 The Mall Kanpur Uttar Pradesh 208001 2079930, 9336219040 Gurgaon: 101,Apna Bazaar Gurgaon Haryana 122001 0124-5108108, 9212048108 Anand: G-1, Silver Oaks,Opp. Swayambar Party Plot V.V.Road Anand Gujarat 388001 9377306968, Jabalpur: Shop No. 5, Unique Tower, Shashtri Bridge Chowk,Opp. Icici Bank. Jabalpur Madhya Pradesh 482002 9827066823, 9827066823 Jodhpur: 77, Prem Vihar, Opp-Chopasni School,Chopasni Road Jodhpur Rajasthan 342003 9928388322, Bhubaneshwar: 3-4 Anand Plaza, Laxmi Sagar ,Square Cuttack Road, Bhubaneshwar Orissa 751009 9861196880, 9861196880 Rohtak: 103 Balaji Financial House Scf-28 Huda Complex Rohtak Haryana 124001 9215011706, 9896001705 Bhawnagar: 251 Madhav Darshan,Waghawadi Road Bhavnagar Gujarat 364001 0278-2522120, 9426235681 Amritsar: 42 Mall Road, Amritsar, Punjab 143001 (landmark: next to Ritz Hotel), Allahabad: Ground Floor of 4/43, S.P. Marg, Civil Lines Allahabad - UP. Land Mark – Opposite HDFC Bank, Agra: Gr + First Floor, 116/8 Sanjay Palace, Agra, Uttar Pradesh 282002, Faridabad: Ground Floor and Second Floor, SCO-4, Sector 16, Haryana, Faridabad 121002, Dehradun: Ground YES BANK LIMITED Floor, 56, Rajpur Road, Dehradun 248001, Uttarakhand. Land Mark – Building of Hotel Classic International, Saharanpur: Ground Floor ‘Banka Complex’, 2 B/28, Mission Compound, PO Saharanpur ( UP) PIN 247001, Chandigarh:Shop Cum Office (SCO) No. 151-152, Sector 9 C, Madhya Marg, Chandigarh 160017, Kharar: SCO 1, Ward No. 15, City Shopping Plaza, Bansha Wali Chungi, Chandigarh Kharar Road, PO – Kharar, Punjab – 140507, Mohali: Yes Bank Limited, SCO 538, Sector70, Mohali, Punjab - 160071, Zirakpur: SCO 8&9, Ground Floor, Hotel Kingston, Patiala Highway, Zirakpur (Pb) 140603, Derabassi: Ground Floor, Paras Complex, Chandigarh Ambala Road (NH – 2), Dera Bassi, Punjab - 140507, Panchkula: SCO 24, Sector 11, HUDA Complex Panchkhula, Haryana134112. Land Mark – In the neighborhood of , and OBC., Baddi: Ground Floor, Shop No 2,3&4, M.G. Plaza, N.H. no 21, Baddi, Dist Solan, Himachal Pradesh 263153, Shimla: Ground Level, Timber House, Cart Road, Shimla, Himachal Pradesh 171001, Jalandhar: Ground Floor, Satnam Complex, BMC Chowk, G.T. Road, Jalandhar, Punjab- 144001, Meerut: Ground Floor, Shop No.-1,Pinnacle Tower, Panchsheel Colony, Garh Road, PO Meerut U.P PIN 250004, Ludhiana: B-XX, 2427 - 928, Govind Nagar, Firozpur Road, Ludhiana, Lucknow: Gr. Flr, Tulsi Complex, 12 Rani Laxmibai Marg, Hazratganj, Lucknow 226001, Uttar Pradesh, Bara Banki: Ground Floor, “Verma Market”, Khasra No 354/1, Mohll. Azad Nagar, Village Paisar, Pargana and Tehsil Nawabganj, PO & Disrict Barabanki, U.P. PIN 255001, Kanpur: Ground Floor, Padam Tower, 14/113 Civil Lines, Kanpur 208001, Chandni Chowk: Ground Floor, 1936, Ward No.-2, Fountain Chowk, Chandni Chowk, Delhi-110006, Connaught Place: 56, Janpath, Gr. Floor, ALPS Building, Connaught Place, New Delhi– 110001, Chanakyapuri: 48, Nyaya Marg, Chanakapuri, New Delhi- 110 001, Green Park: A/2A, Ground Floor, Green Park, New Delhi110016, Saket: E-31, Saket, New Delhi110017, Chattarpur: Ground Floor and 1st floor of 311/30 Main Road, Chattarpur, New Delhi110074, South Extension: D-12, South Extension Part-II, New Delhi- 110049, Faridabad: Ground Floor and Second Floor, SCO-4, Sector 16, Haryana, Faridabad 121002, New Friends Colony: First Floor, 1 Community Centre, New Friends Colony, New Delhi– 110065., Indirapuram: BG 14,15 & BG 47, Ground Floor, Aditya City Center, Commercial cum Residential Plot No. 03, Vaibhav Khand, Indirapuram, Ghaziabad PIN 201012 ( UP)., Ghaziabad 1: Plot C–37, Rajnagar Dist Centre (RDC), Ghaziabad, Uttar Pradesh 201002, Kasana: Yes Bank Ltd, Shop No. G1 and G2, Greater Noida Shopping Complex, Zone E-IV, Near HP Gas Plant, Surajpur Kasna Road, Gautam Budh Nagar, Greater Noida 201310\, Noida: Ground Floor A-356, Sector 19, NOIDA, Uttar Pradesh. 201301, Shakarpur: Ground Floor of S 529, School Block, Mother Dairy Road, Shakarpur, DelhiPIN 110092. Land Mark – Next to TVS Scooter and TATA Indicom Showroom, Kundli: Ground Floor, SCO 23, HSIIDC Industrial Area, PO - Kundli (Haryana), PIN 131028., Rai: HSIIDC office Buiding, HSIIDC Industrial Estate, Rai, District Sonepat, Haryana-131029, Model Town: Ground and First Floor of Plot no B -7, Gujranwala Part1, New Delhiand Ground Floor, Plot no B 8, Gujranwala Part 1, New Delhi., Bahadurgarh: Ground Floor of Khasra Nos. 2443 and 2444, Venus Plaza, Nehru Park, DelhiRohtak Highway, PO - Bahadurgarh - 124502 District Jhajjar, Haryana, Punjabi Bagh: ground floor of 10, West Avenue, West Punjabi Bagh, New Delhi110026. Land Mark – Opposite ICICI Bank, Rajouri Garden: Ground Floor and First Floor, A-42, Vishal Enclave, New Delhi110027, Fortune Global - Gurgaon 1: Fortune Global Arcade, Sikandarabad, Mehrauli Gurgaon Road, Gurgaon, Haryana– 122 002, Khandsa: Ground Floor of Khasra No 500/2/3/1/4, Village Khandsa 122001, Gurgaon, Badshahpur: Ground Floor, Unit No. 5, Block 2, Vatika Business Park, Sohna Road, Village Badshahpur, PO Gurgaon, Gurgaon 122101. Haryana, Dundahera: Ground Floor, Plot No 14/2 Milestone, Infotech Centre, Old Gurgaon Road, Village, Dundahera, PO Gurgaon 122016, Haryana. Opp Unitech SEZ, Wazirabad: Ground floor of Tower A, Vatika Towers, DLF Golf Course Road (Sector Road), Wazirabad, Gurgaon, PIN 122002, Haryana. Land Mark – same building as SAP, Kapashera: Ground Floor, Khasra No from 919 to 926, 928-933, Old DelhiGurgaon highway, Village Kapashera, New Delho 110 037, Sector 14 - Gurgaon 2: SCO 27,Sector 14, HUDA Market, Gurgaon, Haryana122001, Manesar: GC 1, 2, 3 & 3A Ground floor, and basement, Commercial Tower A (also known as Raheja Towers), Sector 2, IMT Manesar, Bhiwadi: Ground Floor, 294/295 E, RIICO Industrial Area, Bhiwadi, Rajasthan-301019, Dharuhera: Ground & First Floor, Kila No.6/2(8-8) on N. H. no 8, Next to Police Station, Dharuhera, Dist Rewari, Haryana, 123106, Bangalore: Ground Floor, Prestige Obelisk, Municipal No.3, Kasturba Road, Bangalore 560001, Thippasandra: Plot 27, HAL 3rd Stage, 80 ft Road, Thippasandra, Bangalore- 560075, Koramangalam: Ground & Mezzanine Floor, Basil Moneta, Koramangala, Bangalore – 560095, Devanahalli: Survey No. 135/3, Ward No. 19, B.B. Road, Devanahalli, Bangalore- 562110, Karnataka, Coimbatore: No: 694 -A1, Manchester Krsna Avinashi Road, Near Manchester Regent, Avinashi Road Coimbatore – 641 037, Chennai 1: Ground Floor,143/1, Uthamar Gandhi Salai, Nungambakkam High Road, Chennai - 600034, Chennai 2: Gr. Floor, Dass India Tower, Second Line Beach, Rajaji Salai, Chennai, Tamilnadu- 600 001, Hyderabad: Ground Floor, “Mayank Towers”, Survey no. 31 (Old). 31/2(New), Raj Bhavan Road, Somajiguda, Hyderabad - 500082, Hyderabad Hitech City: Ground Floor, Sun Towers, Sector-1, HUDA Techno Enclave of Madhapur Village, R.R District. Andhra Pradesh- 500081, Secundrabad: Ground Floor, Agravanshi Plaza, Bearing No 1-8-387, HUDA Lane, off S.P. Road, Secunderabad, Andhra Pradesh-500003, Mangalore: Shop no 108 to 120, Ground Floor, Ideal Towers, off K.S. Rao Road, GHS Road, Mangalore 575001, Kochi: 1st floor, Puthuran Plaza, Northern Side, KPCC IN, MG, Kochi - 682011, Salem: Ground Floor, Devi Chit Funds, 5/315, Junction Main Road, Salem - 4, Vizag: Ground and First floor, “Sun Tower”, T.S.No.1187 of Block No.53, Waltair Main Road, Vishakhapatnam -530007, Andhra Pradesh, Vijayawada: Kranti Arcade, Gr. Floor, 1, 2 & 3 floor,. 40 -1 - 59, Near Benz Circle, M.G. Road, Vijaywada - 520010, Bhubaneswar: 31, Bapuji Nagar, Bhubhaneshwar, Orissa-751007, Asansol: Ground Floor of Laxmi Narayan Complex, G T Road, Murgasol, Asansol, West Bengal - 713303, Durgapur: Upper Ground Floor, Citi Plaza, City Centre, Durgapur - 713216, Adityapur: Ground Floor, P M Complex, Main Road, Adityapur, Jamshedpur- 831 013., Guwahati: Ground floor, Asian Complex, uluburi Part II, District Kamrup, guwahati 781007, Assam., Camac Street: 19, Camac Street, Kolkata 700 017, Kolkata - Dalhousie: Ground & Mezzanine Floor, Stephen House, situated at Dalhousie Square East, Kolkata-70001, Howrah: Ground floor, Krishna Enclave, 2/1, Bhajan Lal Lohia Lane, Near Howrah AC Market, Howrah- 711 101, West Bengal, Ranchi: Ground and First floor, Crosswindz, 41 Court Road ( Kutchery Road), Ranchi, Jharkhand-834001. Landmark: Near Sahid Chowk // Next to Ranchi University, Raipur: Raj Villa”, Raigarh Bada, House No 830 - Plot no 10/26, Civil Lines, Raipur, Chhatisgarh 492 001 Landmark: opp M.G.Museum, Bhopal: Ground Floor, Plot No. 215, M P Nagar, Phase I, Bhopal- 462011.Madhya Pradesh, Bhilwara: Gr & Ist flr, Kanchi Heights, Badal Complex, Gangapur Road, Bhilwara, Rajasthan- 311001 Landmark: Near Nahar Petrol Pump, Bhavnagar: Unit No.G-1, Part G-2 G-3 of the building known as “Silver Arc”, Plot No.9, Waghawadi Road, Bhavnagar – Gujarat 364 001, Aurangabad: Showroom No A7, Ground Floor, Aurangabad Business centre, Adalat Road, Aurangabad,431005(M.S) , Anand: Ground Floor, Maruti Sunand, Amul Dairy Road, Anand, Gujarat - 388001., Ahmedabad: Unit No.G/3,102-103, “C.G.Centre”, C.G.Road, Ahmedabad - 380 009, Jodhpur: Ground Floor, 117/4, PWD Colony, Jodhpur, Rajasthan- 342001., Jaipur: G2, Ground Floor Green House, Plot O-15, Ashok Marg, Jaipur 302 001, Rajasthan, Waluj - Aurangabad: Vardhman Complex at Plot No: C- 252/1, MIDC Industrial Area, Waluj,Aurangabad-431136., Indore: 9/1/1 M.G. Road, Indore- 452001, Nashik: Shop no 9 to 13, AGORA, Canada Corner, Junction of Sharanpur and College road, Nashik 422002, Nagpur: Ground Floor, Swami Sadan, Plot no 206/1A, GPO Square, VIP Road, Civil Lines, Nagpur 440 001., Worli:, Andheri (W): G1, Ground Floor, Valecha Chambers, Plot B-6, New Link Road, Andheri (W), Mumbai400053, Andheri (E): Ground Floor, Shree Amba Shanti Chambers, Opp. Hotel Leela, Andheri Kurla Road, Andheri East, Mumbai- 400 059., Goregaon: Ground & 1st Floor, Shop No: E & F of A.K. Plaza, Junction of Veer Savarkar Flyover and S.V. Road, Goregaon-West, Mumbai-400062, Vasai: Ground Floor, Gurudwara Sri Guru Singh Sabha, Plot No 17A, Ambadi Road, Vasai road(W), 401202, Thane, Juhu: Duru Kripa, Plot No: 3, Nutan Laxmi CHS Ltd, J.V.P.D Scheme, Road No 10, Vile Parle(W), Mumbai400 049, Bandra: Gr & Mezzanine Floor, Turner Road, Bandra (West). Mumbai– 400050, Chembur: Shrikant Chambers, Ground Floor, Sion Trombay Road, Chembur, Mumbai71, Vashi: Shop No 18-Gr Flr, Unit no 1& 2-First floor, Shree Ganesh Co-op Hsg society(P), Plot No 9, Sector 1, Vashi, Navi Mumbai- 400705, Fort: Shop No 6 & 7, Ground Floor, Botawala Buliding, 2/12 Horniman Circle, Fort, Mumbai400001. Opposite Asiatic Library, Metro: “Metro House”, Mahatma Gandhi Road, Dhobi Talao, Mumbai400 020), Cadel Road: Gr. Floor, G-2 & G3 Cadel Court, 230-232, Veer Sawarkar Marg (Cadel Road), Shivaji Park, Mumbai-400016, Nariman Point: Premises No 1A, Ground Floor, Mittal Chambers, Plot no. 228 of Block no. III of Backbay Reclamation, Nariman Point, Mumbai- 400 021, Worli: 4th floor, Nehru Centre, Discovery of India Building, Dr. A.B. Road, Worli, Mumbai- 400 018, Kalyan - Dombivili: Ground & Mezzanine Floor, Shop No: 1, 2 & 3, Shreya Palace, Opp Adarsh Hindi School, Santoshi Mata Road, Kalyan (W)- 421301., Ulhasnagar: Gr & Mazz Floor, Maruti Arcade, Opp. Ulhasnagar Municipal Corporation, Ulhasnagar - 421003, Pokhran Thane: Shop No 4, 5 & 6, Vasundahra, Kanakia Spaces, Pokhran II, Thane(W), Maharashtra400 601, Lamington Road: Ground & First Floor, 396/410, Shamita Terrace, Lamington Road, Mumbai400004 (Same building having ICICI Bank.), Talaupali Thane: Gr Flr, Mezz & First Floor, Nirmal Deep, Opp Talao Pali, Dr. Moose Road, Talapali, Thane (W)., Kolhapur: Ground Floor, Insignia Commercial Complex, Shivaji Park, Tara Rani Chowk, Kawla Naka, Kolhapur Maharashtra-416 003. Landmark: Near Kawla Naka Fire Station., Rajkot: Gr Floor & 1st Floor, Nath Edifice, Dr. Yagnik Road & Race Course Road, Rajkot - 1., Pune: 101, Gr+ Mezz, Karan Selene, Bhandarkar Road, Shivaji Nagar, Pune 411004, Hinjewadi: S.no. 255/1/8, Hinjewadi, Mulshi, Pune- 411027, Landmark- Near TATA Johnson Controls Ltd., Kondhave Khurd: Gr. Floor, Shop No: 4, Aditya Business Center, Plot No: 40-44, S.No. 1/A (part), NIBM Junction, Kondhwa Khurd Road, Pune- 411 048., Panjim: Ground floor, 184, 18th June Road, Panjim Goa 403001, Madgaon: Gr Floor, Plaza Centre, Abade Faria Road, Margoa, Goa 403601, Baroda: Gr+ Mezz, Corner Square, Race Course Circle, Baroda 390007, Udaipur: Ground Floor and Part 1st Floor of ‘Goverdhan Plaza’, 29, N.N.Acharya Marg, Udaipur – 313004 (Rajasthan), Surat: Gr. Floor, Mangaldeep, Near RTO, Ring Road, Surat 395001, HYDERABAD,”1st FLR, 6-3-346/1,ROAD NO.1,BANJARA HILLS,HYDERABAD - 500034" VIJAYAWADA,”1ST FLR, NO. 12-2-269, BABU RAJENDRA PRASAD ROAD, VIJAYWADA - 1" VISAKHAPATNAM,”2ND FLR, NO. 47-10-32, GUTTIKONDA MANSIONS, DWARAKANAGAR, VISAKHAPATNAM - 530016" GUWAHATI,”4TH FLOOR, ANAND RATHI SHARES & STOCK BROKERS LIMITED PLONT NO.1528/1529, K.P. PATTA NO.796 SAHAR ULUBARI MOUZA, GUWAHATI” PATNA, 2Nd Floor Shahi Complex Dakbunglow Road Patna-800001 RAIPUR,”NO. 229, 230, 231, 232, 2ND FLR, LALGANGA SHOPPING MALL, G.E. ROAD, RAIPUR” PANAJI,”TRIMURTHY BUILDING,1ST FLOOR, OPP HOTEL NOVAGOA, PANJIM, GOA-403001" AHMEDABAD,”UNIT NO. 201, 2ND FLR, PARTH COMPLEX, OFF C. G ROAD, SWASTIK CROSS CHAR RASTA, NAVRANGPURA, AHMEDABAD 38009" ANAND,”F-6/7, 1ST FLR, SILVER OAK, OPP PANCHAL HALL, ANAND V. V NAGAR, ANAND - 388001" SURAT,”G-2, INTERNATIONAL TRADE CENTRE, MAJURAGATE CROSSING, RING ROAD, SURAT” VADODARA,”FF/104,CAPRI HOUSE II,15-SUDHANAGAR CHS,JETALPUR ROAD,VADODARA-390005" JAMMU,”2 & 16,NORTH BLOCK B-1,BAHU PLAZA,RAIL HEAD COMPLEX,JAMMU-1800004" RANCHI,”5TH FLR, M R TOWER, SARADA BABU STREET, LINE TANK ROAD, UPPER BAZAR, RANCHI 834001" BANGALORE,”EXPRESS BUILDING NO.1, 4TH FLOOR, QUEENS ROAD, CIVIL STATION, BANGLORE-560052" BELGAUM,”SRI KRISHNA TOWERS, 2ND FLOOR,CTS NO.14, KHANAPUR ROAD, TILAKWADI,BELGAUM-590006" BIJAPUR,”BHAHETI COMPLEX, KIRANA BAZZAR CIRCLE, S.S.ROAD, NEAR TATA INDICOM SHOW ROOM, BIJAPUR-586106" GULBARGA,”1-101/3,4,5/F1 & PART OF F-2, ASIAN PLAZA, SARDAR VALLABH BHAI CHOWK, STATION ROAD, GULBARGA-485102" HUBLI,”NO.103TO108, A-BLOCKA-BLOCK, COURT CIRCLECLUB ROADHUBLI-580029PH -0836-5259200" MANGALORE,”GROUND FLOOR, NO.G-10 ( DOOR NO.14-4-511/21 ) , CRYSTAL ARC, BALMATTA ROAD , MANGLORE - 575001" MYSORE,”442/5, SRIKANTESHWARA MANSION, 1ST FLR, CHAMARAJA DOUBLE ROAD, SOUTH CROSS ROAD, NEAR RAMASWAMY CIRCLE, MYSORE” RAICHUR,”H.NO.12-10-51/3A,1ST FLOOR,LINGASUGUR ROAD,RAICHUR-584101" SHIMOGA,”1ST,FLOOR, LAKSHMI SADAN,PARL EXTEN.OPP.ICICI BANK,SHIMOGA- 577201" ERODE,”DOOR NO 155 & 155 A,DHANA VIKAS COMPLEX,NEHRU STREET,ERODE-638001,TAMILNADU” AURANGABAD,”1ST FLOOR, PLOT NO. 24 & 25, VIVEKANAND COLLEGE ROAD, OPP. POLICE WORKSHOP,SAMARTH NAGAR, AURANGABAD: 431001/” KOLHAPUR,”SHOP NO 67,68,GEMSTONE,R D VICHARE COMPLEX 517/2 E WARD,SHAHUPRI,KOLHAPUR” MUMBAI,”SEAGULL HOUSE, 2ND FLOOR, SHIVAJI COLONY, CHAKALA, ANDHERI (E), MUMBAI - 400099, INDIA” NAGPUR,”S-1 & S-2 ,2ND FLOOR, SHRADHA HOUSE,345 KINGSWAY, OPP BANK OF INDIA, NAGPUR - 440 001.” NASHIK,”OFFICE NO. 6, 2ND FLOOR, STADIUM COMPLEX, BLDG NO. 5 M G ROAD, NASHIK 422001" PUNE,”2ND FLR, INDRAYANI, C.T.S NO. 58/1, FINAL PLOT NO. 92/1, ERANDAVANE, PUNE - 411004" THANE(MUMBAI),”SHOP NO. 3, GRD FLR, SHREE SADAN, NAUPADA, GHANTALI DEVI ROAD, THANE W, MUMBAI 400602" NEW DELHI/DELHI,”FLAT NO.911, 9TH FLOOR,ANSAL BHAVAN BLDG,16, KASTURBA GANDHI MARG, NEW DELHI-110001" BHUBANESWAR,”49, 2ND FLR, EAST SIDE, ASHOK NAGAR, BHUBENSHWAR” CUTTACK,”GRD FLR, PLOT NO. 1615, HARIPUR, CUTTACK - 753001" AMRITSAR,”MEZZANINE FLR, NAGPAL TOWERS II, SCO 44, DISTT, SHOPPING CENTRE, RANJIT AVENUE, AMRITSAR” CHANDIGARH,”OFFICE NO.1, 3RD FLR, SCO NO. 37-38, SECTOR 17-C, CHANDIGARH” JALANDHAR,”1ST FLOOR, APEX TOWER, G T ROAD, JALANDHAR, PUNJAB” LUDHIANA,”15,SPAN PLAZA,FEROZ GANDHI MARKET,LUDHIANA-141001" BHILWARA,”D-1,D-2,E-1,F-2, GANAPATI ENCLAVE,HEERA PANNA CAMPUS, OPP. NAHAR BROS. PETROL PUMP,PUR ROAD,BHILWARA-311001" BIKANER,”NEAR DRM CIRCLE, ABOVE OBC BANK, BIKANER - 334005.” JAIPUR,”OFF NO. 4,5,6,7,8&L-4, 1ST FLR,C-98,SANGHI UPASANA TOWER, AHINSA CIRCLE SUBHASH MARG, C-SCHEME, JAIPUR 302001" KOTA,”INDRAGYAN COMPLEX, GUMANPURA, KOTA” UDAIPUR,”46/3,MADHUBAN,UDAIPUR” CHENNAI,”G1,GROUND FLOOR,ARTHI APARTMENTS,NO.150,HABIBULLAH RAOD,T NAGAR CHENNAI-600 017" COIMBATORE,”NO. 41-A, WEST LOKAMANYA STREET, 1ST FLOOR, R. S. PURAM, COIMBATORE - 641002" MADURAI,”272,GOOD SHED STREET,MADURAI-625001" SALEM,”NO 252, BRINDAVAN MAIN ROAD, FAIRLANDS, SALEM – 636 016" TIRUPUR,”62(1),WESTERN PORTION,BINNY MAIN STREET,1 FLOOR,KUMARAN STREET,TIRUPUR-1" TRICHY,”SRI KRISHNA ENCLAVE , NO 75 E/3 , 3RD FLOOR , SALAI ROAD ,THILLAI NAGAR , TRICHY- 620018" AGRA,”SHOP NO. 9, 1ST FLR, DEEPSHIKA BLDG, SANJAY PLACE, AGRA-282002" ALLAHABAD,”DARBARI BLDG, 15/29/125, PLOT NO. 25, MAHATMA GANDHI MARG, CIVIL STATION, ALLAHABAD 211001" KANPUR,”GRD FLR, 16/79-H, CIVIL LINES, KANPUR 208001" LUCKNOW,”TAZ PLAZA, GR. FLOOR, (MADAN MOHAN MALVIYA MARG) LUCKNOW -226001.” VARANASI,”OFFICE NO.33,3RD FLOOR,D,48/141- A,MISIR POKHRA,LUXA ROAD,VARANASI” DEHRADUN,”1 GRD FLR, NESHVILLA ROAD, BEHIND CONGRESS BHAVAN, DEHRADUN - 248001" DAVANAGERE,”ESHWAR COMPLEX, P.J.EXTN, 2ND MAIN,RAITARA BEEDI,DAVANGERE-577002" KOLKATA,”CENTRAL PLAZA, ROOM NO-501, 2/6 SARAT BOSE ROAD, KOLKATA-700020" SILIGURI,”2ND FLR, ABOVE RAYMOND SHOWROOM, SEVKOKE ROAD, PLOT NO. 766, KHATIAN NO. 5282/1, MOUZA SILIGURI, JL NO. 110(88), PARGANA BAIKUNTHAPUR, POST OFFICE, P.S., DISTRICT DARJEELING, WEST BENGAL.” AGRA: Bajaj Capital, Shop No. 110, Ground Floor, Block No. 27/2/4, Sanjay Palace, Near Hotel Panchrattan, Agra – 282002, Ph: 0562-6457307. AHMEDABAD: Bajaj Capital, 2-L, ‘Akik’ Opp Lions Hall, Mithakhali Six Raod, Near Nalanda Hotel, Ellisbridge, Ahmedabad – 380006, Ph: 079-64500171, 72. AJMER: Bajaj Capital, 26, Ground Floor, Ajmer Tower, BAJAJ CAPITAL INVESTOR SERVICES LIMITED Kutchery Road, Ajmer - 305001. Ph: 0145-6451231,0145-6451232. ALLAHABAD: Bajaj Capital, Shop No. F-5 , Indira Bhawan, Civil Lines, ALLAHABAD – 211001, Ph: 0532-6452481,0532-6452482. BANGALORE: Bajaj Capital, Unit 104-107, First Floor, ‘A’ Wing, Mittal Towers, M.G. Road, Bangalore – 560001, Ph: 080-65471121, 65471123. Bajaj Capital, 759, Shri Jayalakshmi Nivasa, 100-ft Road, Indira Nagar, (Opp. SBI Personal Bank) Bangalore-38, Ph: 080-65471127 / 26. Bajaj Capital, 4, Lakshmi Mansion, 81/B,8th Main Road, Opp. Food World, 3rd Block, Jaya Nagar, Bangalore -11, Ph: 080-65471128 / 29. Bajaj Capital, Raheja Arcade, 1st Floor, #122, Koramangala, Bangalore-34, Ph:080-65471130 / 31. Bajaj Capital, 197, Sampige Rd, Near 11th Cross, (Above ) Malleshwaram, Bangalore- 3, Ph: 080-65471132 / 33. Bajaj Capital, Rajaji Nagar 293/1, 17th Main Road “D”, IIIrd Block, Rajaji Nagar, Bangalore-10, Ph: 080-65471139 / 38. BHAGALPUR: Bajaj Capital, 2nd Floor, Chandralok Complex, Near Ghantaghar, Bhagalpur – 812001, Ph: 0641-9234300737. BHOPAL: Bajaj Capital, Shop No. 6, First Floor, Jyoti Cinema Complex, M.P. Nagar, Zone1, Bhopal – 462011, Ph: 0755-6459550. BHUBANESHWAR: Bajaj Capital, Plot No. 1/ A, Ground Floor, Station Square, Kharvel Nagar, Bhubneswar – 751001, Ph: 0674 - 6451257, 6451269. CHANDIGARDH: Bajaj Capital, SCO 341 - 342, First Floor, Sector 35B, Chandigarh 160036, Ph: (0172) , 6451612 – 13. CHENNAI: Bajaj Capital, Wellington Plaza, 3rd Floor, 90, Anna Salai, Chennai – 600002, Ph: 044-23451207, 08. Bajaj Capital, K.R. BUILDINGS, No. 12, L.B. Road, Adyar, Chennai - 600 020, Ph: 64588304 / 305 / 306. Bajaj Capital, W.111, First Floor, 3rd Avenue, Anna Nagar, Chennai – 40, Ph: 64588309 / 310, 64581539. Bajaj Capital, Shop No. 4, Trinity Complex, No.110, 4th Avenue, Ashok Nagar, Chennai – 83, Ph: 64588311 / 312. Bajaj Capital, No. 7, R.K. Mutt Road, (Near ) Mylapore, Chennai – 4, Ph: 64581540 / 64588318 / 317. Bajaj Capital, Shop No. 4, Plot No. 3, 29th Street, Nanganallur, Chennai-61, Ph: 64588320 / 319. Bajaj Capital, Bridge Port, New No. 29, Old No. 12, Burkit Road, T. Nagar, Chennai-17, Ph: 64588321 / 22. Bajaj Capital, Shop No. 5, Ground Floor, Vikas Plaza, 37/C, Velachery, Tambaram Road, Chennai – 42, Ph: 64588326 / 24. COIMBATORE: Bajaj Capital, No. 575, D.B. Road, First Floor, (Near Head Post Office) R.S. Puram, Coimbatore – 641002, Ph: 6470136, 38. DEHRADUN: Bajaj Capital, 15, Rohini Plaza, 11-E Rajpur Road, Dehradun – 248001, Ph: 0135-6452648,0135-6452649. DHANBAD: Bajaj Capital, Ozone Plaza, 1st Floor, Bank More, Dhanbad – 826001, Ph: 0326-2300576. FARIDABAD: Bajaj Capital, 5R/1 Ground Floor, B.K. Chowk, Near HDFC Bank, Faridabad – 121001, Ph: 0129 – 6466566. GHAZIABAD: Bajaj Capital, G-5, Ansals Satyam Building, Raj Nagar, District Centre, Ghaziabad – 201002, Ph: 0120 – 6493211,0120-6494070. GORAKHPUR: Bajaj Capital, Ground Floor, A D Towers, Bank Road, Gorakhpur, Gorakhpur – 273001, Ph: 0551- 6453025,0551-6453026. GURGAON: Bajaj Capital, Super Mart B-201, Super Mart - 1, DLF City Phase - IV, Gurgaon – 122002, Ph: 0124-6469991,0124-6468105. Bajaj Capital, Sec 14 102, AKD Tower, Upper Ground Floor, Near HUDA Office, Sector-14, Gurgaon- 122001, Ph: 124- 6468101, 6468102. GUWAHATI: Bajaj Capital, Room No.102, 1st Floor, Dunfur Apartment, R G Baruah Road, Guwahati – 781024, Ph: 9207045530, 312. HYDERABAD: Bajaj Capital, 3-6-522, 2nd & 3rd Floor, Archies Showroom, Opp. KFC, Himayath Nagar, Hyderabad – 500029, Ph: 040 - 44555555, 64631421, 22. Bajaj Capital, Shop No. 4, Ground Floor, Swarnajayanthi Complex (HUDA) Ameerpet, Hyderabad – 500016, Ph: 040-64631425 / 24. Bajaj Capital, No.3/MIG-I, Near ICICI Bank, K.P.H.B. Colony, Kukatpally, Hyderabad – 500072, Ph: 64631427 / 26. Bajaj Capital, Shop No.10, First Floor, Minerva Complex, 94, S.D. Road, Secunderabad – 500003, Ph: 040-64631428, 29. INDORE: Bajaj Capital, Shop No. 3, City Plaza, M.G. Road near Regal Cinema, Indore- 452001, Ph: (0731) 6452014. JAIPUR: Bajaj Capital, G-3, Anukampa Tower, Opp. SangamTower, Church Road (M. I. Road), Jaipur – 302001, Ph: 0141-6503342, 43. JALGAON: Bajaj Capital, Beside ICICI Bank, Dhake Corporate Centre, Dhake Colony, Jalgaon - 425101. Ph: 0257-6451511. JAMSHEDPUR: Bajaj Capital, Shop No. 53, 2nd Floor, Kamani Business Centre Bishtupur, Jamshedpur – 831001, Ph: 6457603, 6457627. KANPUR: Bajaj Capital, 106, Ratan Esquire, 14/144, Chunni Ganj, Kanpur – 208001, Ph: (0512) 6451763 – 64. KARUR: Bajaj Capital, Shop No. 11, Jeyam Tower No. 1B, North Pradhakshanam Road, Karur – 639001. Phone: 04324645623/24 KOCHI: Bajaj Capital, Rubicon Building, S.A. Road, South Over Bridge, Valanjambalam, Kochi – 682016, Ph: 0484- 6452566, 65. KOLHAPUR: Bajaj Capital, Ground Floor, Damodar Enclave Apartment, 10th Lane, Rajaram-puri, Kolhapur – 416001, Ph: 0231 – 6450529. KOLKATA: Bajaj Capital, 5th Floor, Room No. 507, 7/1, Lord Sinha Road, Kolkata – 700071, Ph: 033 – 22820383. Bajaj Capital, 9, Ezra Street, Kolkata-700001, Ph: 64578545 – 47. Bajaj Capital, Gagananchal Complex, Shop No. 38A, 37, Dr. Abani Dutta Road, Howrah – 711106, Ph: 64602157 - 58, 64604011. Bajaj Capital, B-9/20 (C. A), P O. Kalyani, Dist. Nadia, Kalyani-741235, Ph: 64605211, 64605214. Bajaj Capital, 182, Jessore Road (Satgachi Crossing), Dum Dum, Kolkata – 700074, Ph: 64578543. Bajaj Capital, Mezanine Floor, Flat No. 3, P - 24A, C I T Road Scheme VI M, Kolkata - 700054. Ph: 64578551 – 52. Bajaj Capital, Martin Burn House, Ground Floor, Room No. 15, 1, R N Mukherjee Road Kolkata – 700001, Ph: 64578553 – 54. Bajaj Capital, Sec-I BF-192, Sec-I, Salt Lake, Kolkata - 700064, Ph: 64578627 – 29. Bajaj Capital, Sec-V Plot No. IX-16, Block EP & GP, Sec-V, Salt Lake, Kolkata – 700091, Ph: 64578555 – 56. Bajaj Capital, First Floor, 4 Jatin Bagchi Road, Kolkata-700029. Ph: 64578548 – 50. Bajaj Capital, Ground Floor, Shop No. 9, ShreeramNagar, Teghoria, V I P Road, Kolkata-700052, Ph: 64578625. Bajaj Capital, 25/A, Raja Ram Mohan Roy Road, Kolkata – 700008, Ph: 64578542. Bajaj Capital, C-36, Lakshmi Narayan Colony, Po. Naktala, PS. Jadavpur, Kolkata-700047, Ph: 64578626. LUCKNOW: Bajaj Capital, 5, Commerce House, Habibullah Compound, 11, M.G. Marg, Hazratganj, Lucknow – 226001, Ph: 0522 – 6565568. LUDHIANA: Bajaj Capital, M-3, ABC Services, SCO-137, Feroze Gandhi Market, Ludhiana-1, Ph: (0161) 2412287. MADURAI: Bajaj Capital, Suriya Towers, No.5, First Floor, 272/273, Good Shed Street, Madurai – 625001, Ph: 0452 - 6461023, 6461024, 6461025. MANGALORE: Bajaj Capital, Essel Towers, BS 4, Bunts Hostel Circle, Mangalore – 575003, Ph: 0824-6451218, 17. MEERUT: Bajaj Capital, G-43, Ganga Plaza, Near Begam Bridge, Meerut cantt. - 250001, Ph: 0121 - 6451510, 6451511. MUMBAI: Bajaj Capital, Agra Bldg, Gr. Floor, 7/9 Oak Lane, Fort, Mumbai – 400023, Ph: 022 – 66376999. Bajaj Capital, 16, Shopper’s Point, Behind Motimahal Restaurent, S V Road , Andheri - (W), Mumbai – 400058, Ph: 022 - 65210112, 65210116. Bajaj Capital, Rashesh Building, Shop no. 11, 1st Floor, Near Maxus Mall, 150 ft Road, Bhayandar (w), Thane – 401104, Ph: 022 - 65991662 – 63. Bajaj Capital, Shop no.1, Shantinath Apt, Opp star Apt, S V Road, Borivali (w), Mumbai - 400092, Ph: 65991664 – 66. Bajaj Capital, Room No.1, Gr Floor, Sunil Sadan Opp Grand Central Restaurant, M.D.S Marg, Chembur (E) Mumbai - 400071, Ph: 022- 65991667 – 68. Bajaj Capital, Shop No. 5, Abdul Kadar Jilani Building, Gokhale Road, Opp. Portugese Church, Dadar (w), Mumbai - 400 028, Ph: 65991669 – 70. Bajaj Capital, Office No. 8, Nandashish Building, R. B. Mehta Marg, Ghatkopar (E), Mumbai – 400 077, Ph: 022 – 65991671 / 65210115. Bajaj Capital, Shop No 61, Vasant Sagar, Krishna Bldg, Opp Thakur Cinema, Thakur Village, Kandivali (E), Mumbai – 400101, Ph: 022 - 64507728, 65991672. Bajaj Capital, Shop No 1, Dhara Complex, Plot No. 3&4, Sec-No 44, Seawoods, Nerul, Navi Mumbai – 400706, Ph: 022- 65991674 – 75. Bajaj Capital, Shop No 11, Gr. Floor, Dheeraj Heritage Bldg, SV Road, Santacruz: (W) ,Mumbai – 400054, Ph: 022 - 64507727, 65991676. Bajaj Capital, Shop no - 3, Chaman House Co-op Hsg Society ,plot no - 34 ,Beside IDBI Bank Atm, Sion (E) Mumbai – 400022, Ph: 022 - 64518004, 65991677. Bajaj Capital, Shop No 3, 5th Floor , Tardeo Airconditioned Market, Mumbai - 400 034, Ph: 64534950,64534954. Bajaj Capital, R.No 5, Above Khandelwal Sweets, Opp Thane Railway Station, Gokhale Road, Thane (W) Mumbai – 400601, Ph: 022-25376898, 65991678 – 79. NAGPUR: Bajaj Capital, Shop No. 5, Pushpakunja Commercial Complex, Central Bazar Road, Ramdas Peth, NAGPUR – 440010, Ph: 0712-6618577. NASHIK: Bajaj Capital, G 18 & 19 , Suyojit Sankul, Tilak Wadi, Sharanpur Road, Nashik – 422002, Ph: 0253 - 6629011, 6629012. NEW DELHI: Bajaj Capital, Bajaj House, 97, Nehru Place, New Delhi – 110019, Ph: 011 – 41693000, 26410315. Bajaj Capital, N-10, Kalkaji, New Delhi, Ph: 64736914, 64640919. Bajaj Capital, 15, L.G.F. Central Market, Masoodpur, Vasant Kunj, New Delhi -110070, Ph: 64736918, 64640940. Bajaj Capital, Shop no. 15, Ground Floor, Deep Cinema Complex, Phase - 1, Ashok Vihar, Delhi – 110052, Ph: 64736944, 64640908. Bajaj Capital, United India Life Building, F-Block, Connaught Place, New Delhi – 1, Ph: 41790444 (30 Lines) 64640900-07. Bajaj Capital, DDA Shop No. 24, Ground Floor, Rama Krishna Market, No.1, I. P. Extension, Patparganj, Delhi – 110092, Ph: 64736942, 64640931. Bajaj Capital, DDA Shop No. 24, Ground Floor, Rama Krishna Market, No.1, I. P. Extension, Patparganj, Delhi – 110092, Ph: 64736942, 64640931. Bajaj Capital, DDA Shop No. 4, FD Market, Near Madhuban Chowk, Pitampura, Delhi - 110088, Ph: 64736902, 64640933. Bajaj Capital, 5/201, Sikka Complex, IInd Floor, Community Centre, Preet Vihar, Delhi-110092, Ph: 64736909, 64640935 – 6. Bajaj Capital, 9, Ground Floor, Rajendra Bhawan, Rajendra Place (Opp. Rachna Cinema) New Delhi - 110008, Ph:, 64736940, 64640938. Bajaj Capital, 112, 1st Floor, Ansal Chamber- 1, Bhikaji Cama Place, New Delhi-110066, Ph: 64736916, 64640910. Bajaj Capital, F-1, Ist floor, B-87, Defence colony, New Delhi- 110024, Ph: 64736930, 64640912. Bajaj Capital, F-4, HL Square, Plot No. 6, Sector-5, Dwarka, New Delhi – 110075, Ph: 64736925, 64640915. Bajaj Capital, Shop No. 11 & 12, 7-A, Janakpuri Dist.Centre (Opp. Janak Puri Transport Authority), New Delhi – 110058, Ph: 64736912, 64640917. Bajaj Capital, Shop No. 3, Ground Floor, B-5, Tagore Market (Next to Post Office), Kirti Nagar - 110015, Ph: 64736922. Bajaj Capital, C-50, Shivalik, Main Road, Malviya Nagar, New Delhi-110017, Ph: 64736907, 64640923. Bajaj Capital, G-8&9, Ground Floor, Bhanot Tower, A-Block Opp. Jawala Heri Market, Paschim Vihar, New Delhi – 110063, Ph: 64640929, 64736947. Bajaj Capital, 19, DDA Market, Commercial Complex, Yusuf Sarai, New Delhi – 110016, Ph: 64640943 - 44, 64736937. PANAJI: Bajaj Capital, F2, 1st Floor, Alfran Plaza, Near Don Bosco School, Panaji, Goa, Panaji – 403001, Ph: 0484 – 2356869, 70. PATNA: Bajaj Capital, Flat No. 108, 1st Floor, Ashiana, Plaza, Budha Marg, Patna – 800001, Ph: 0612- 6451056 - 59, 61 – 63. PONDICHERRY: Bajaj Capital, No. 127/A, 100 Ft. Road,Natesan Tower, 1st Floor, Natesan Nagar, Pondicherry – 605001, Ph: 0413 - 6452334, 6452335. PUNE: Bajaj Capital, Shop No 6, Sanas Plaza, 1302, Subhash Nagar, Bazirao Road, Pune – 411002, Ph: 020-65009460, 61. Bajaj Capital, Suyash Plaza, Office No.08, 3rd floor, Opp-Selene Building, Bhandarkar road, Near Kamla nehru Park. Pune – 411004, Ph: 020 – 65009463. Bajaj Capital, Office no. 13, A Wing, Kamala Cross Road, Opp. PMPC office, old Mumbai highway, Pimpri, Pune – 411018, Ph: 020 – 46500150-51. RAJKOT: Bajaj Capital, Prathibha Complex, Near Jayesh Publicity, Moti Tanki Chowk, Rajkot – 360001, Ph: 0281- 6450135, 37. SALEM: Bajaj Capital, 22, GF, Omalur Main Road, SALEM – 636009, Ph: 0427 - 6452565, 6452566. SILLIGURI: Bajaj Capital, 3rd Floor, Jatin Das Sarani, (Near Jwel Club), Ashram Para, Siliguri, Siliguri – 734001, Ph: 9641831375. SURAT: Bajaj Capital, L-4, Ground Floor, Vishwakarma Chambers, Majura Gate Crossing Road, Ring Road, Surat – 395002, Ph: 0261-6450421, 6450422. THIRUVANANTHAPURAM: Bajaj Capital, Edamala Plaza, TC 14/999 Opposite Police Headquarters, Vellayambalam Road, Vazahuthacadu Sasthamangalam Post, Thiruvananthapuram – 695010, Ph: 0491-6450176. TIRUCHIRAPALLI: Bajaj Capital, Swati Arcade, 73/1 - f 1st Floor Salaia Road, Thillai nagar, Thiruchirapalli – 620018, Ph: 0431 - 6452094, 6452095. VADODARA: Bajaj Capital, 129 Siddharth Complex, R C Dutt Road, Vadodara – 390007, Ph: 0265 – 3088162. TRICHUR: Bajaj Capital, VIII/78/9, Bharatha Kshemam Building, Next to SBI ATM, College Road, East Fort, Thrissur – 680005. Ph: 0487-6451533, 70. VARANASI: Bajaj Capital, D-58/53-54, 1st Floor, Shiva Complex, Rath Yatra Crossing, Varanasi – 221010, Ph: 0265-6450181. VIJAYWADA: Bajaj Capital, Kalyan Complex 39-1-89, 1st Floor, Beside OBC Bank, Temple Street, M.G. Road, Labbipet, Vijayawada – 520010, Ph: 0265 – 6450181. VISHAKHAPATNAM: Bajaj Capital, Door No. 10-1-125, 1ST Floor, Asilmetta Junction, Beside Prasad Labs, Visakhapatnam – 530003, Ph: 0891-6461773, 74. MUMBAI : EDELWEISS BROKING LIMITED, 104, 1st Floor, P J Tower, BSE Bldg., Dalal Street, Fort, Mumbai – 400 001; Tel. : 022 – 67471345 / 67494587. HYDERABAD : EDELWEISS BROKING LIMITED, 2nd Floor, MB Tower, Plot No. 5, Road No. 2, Banjara Hills, Hyderabad – 500034; Tel. : 040 – 40316911. INDORE : EDELWEISS BROKING LIMITED; 312, D. M. EDELWEISS BROKING LIMITED Tower, Race Course Road, Indore – 452001; Tel. : 0731-4061164. JAIPUR : EDELWEISS BROKING LIMITED; Green House 601 & 602; 6th Floor, Ashok Marg, Jaipur - 320 001; Tel. : 0141-4045167. KOLKATA : EDELWEISS BROKING LIMITED; 2nd Floor, Savitri Tower, 3A, Upper Wood, Kolkata - 700 017 ; Tel. : 033- 40104635 BANGALORE : ENAM SECURITIES PVT LTD,10/3, GROUND FLOOR,NO.29, EMPIRE INFANTRY,INFANTRY ROAD, Pin- 560001, Ph:080- 40333222 CHENNAI : ENAM SECURITIES DIRECT PVT LTD,11, VIJAY DELUX APTS., 7/4 FIRST MAIN ROAD, CIT COLONY, MYLAPORE, Pin- 600004, Ph:044- 39184335 / 4226 HYDERABAD : ENAM ENAM SECURITIES PRIVATE LIMITED SECURITIES DIRECT PVT LTD,6-3-650/217B & C, MAHESHWARI CHAMBERS, 2ND FLR.,SOMAJIGUDA, Pin- 500082, Ph:040- 39893626/30658502 KOLKATA : ENAM SECURITIES DIRECT PVT LTD,S-205, IDEAL PLAZA, 11/1,SARAT BOSE ROAD, Pin- 700020, Ph:033- 32426310/30588154 MUMBAI : ENAM SECURITIES PVT LTD,KHATAU BUILDING, 2ND FLOOR, 44 BANK STREET, OFF SHAHID BHAGATSING ROAD, FORT, Pin- 400023, Ph:022- 22677901 ENAM SECURITIES DIRECT PVT LTD,201-A, LAXMI TOWERS, BANDRA KURLA COMPEX, BANDRA (E), Pin- 400051, Ph:022- 66803600 ENAM SECURITIES PVT LTD,HARI CHAMBER, GROUND FLOOR, 58/64, SHAHID BHAGAT SINGH ROAD, FORT, Pin- 400001, Ph:022- 22677901 NEW DELHI : ENAM SECURITIES PVT LTD,M-39, IIND FLOOR, OUTER CIRCLE,OPP.SUPER BAZAR, CONNAUGHT PLACE, Pin- 110001, Ph:011- 49811200/201 PUNE : ENAM SECURITIES PVT LTD,1248A, ASMANI PLAZA, GOODLUCK CHOWK, DECCAN GYMKHANA, SHIVAJI NAGAR, Pin- 411004, Ph:020- 25521606/406 ENAM SECURITIES DIRECT PVT LTD,101 & 102, SILVER PRESTIGE, 1ST FLOOR, OPP. MCCIA, TILAK ROAD, SWARGATE, Pin- 411002, Ph:020- 30205492/93 RAJKOT : ENAM SECURITIES DIRECT PVT LTD,308, 3RD FLOOR, TOWAR COMMERCIAL COMPLEX,JAWAHAR COMPLEX,NEAR GALAXY HOTEL, Pin- 360001, Ph:0281- 2226383/384 VADODARA : ENAM SECURITIES DIRECT PVT LTD,GF 9, SILVERLINE TOWERS, OPP BBC TOWERS,SAYAJIGANJ, Pin- 390005, Ph:0265- 3026945/46 ENAM SECURITIES PVT LTD,642 FORTUNE TOWERS, SAYAJIGANJ, Pin- 390005, Ph:0265- 2225412 KOCHI - GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, FINANACE TOWERS, KALOOR, GEOJIT BNP PARIBAS FINANCIAL SERVICES LTDIII ND FLOOR, 40/7997, VEEKSHANAM ROAD, KOCHI - 682035, KOTTAYAM- GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, GROUND FLOOR, UNITY BUILDINGS, OPP. M D GEOJIT BNP PARIBAS FINANCIAL SERVICES LIMITED COMMERCIAL CENTRE, K K ROAD, KOTTAYAMTRIVANDRUM- GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD CORPORATION BUILDING, OPP. SMV SCHOOL, OVER BRIDGE, MG ROAD,TRIVANDRUM – 695001, THRISSUR, - GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, DOOR NO. TC/6/2807, (OLD NO. 26/563), 2ND FLOOR, PERINCHERY’S BUILDING, ROUND NORTH, THRISSUR - 680 001, GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, DOOR NO 25395/29 & 25395/30, II ND FLOOR, PATHAYAPURA, PRARMAKKAVU DEVASWAM BUILDING, ROUND SOUTH, THRISSUR. CALICUT- GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD2ND FLOOR, TECHNO TOP BUILDING, VAIKOM MOHD. BASHEER ROAD, KOZHIKODE, PALAKKAD- GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD KADAKKADAN BUILDING, AK ROAD,OPP.POLICE STATION, DOWN HILL P.O, MALAPPURAM – 676519. BANGALORE- GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, NO 2, IIND FLOOR, MANANDI PLAZA, ST. MARK’S ROAD, BANGALORE-560001, GEOJIT BNP PARIBAS FINANCIAL SERVICES LTDNO 1000, 2 ND FLOOR,DR. RAJKUMAR ROAD, RAJAJI NAGAR, BANGLORE, HUBLI - GEOJIT BNP PARIBAS FINANCIAL SERVICES LTDBHAVANI ARCADE, II FLOOR, B-BLOCK127-A NEW COTTAN MARKET, HUBLI-580029. MANGALORE - GEOJIT BNP PARIBAS FINANCIAL SERVICES LTDIIND FLOOR, CLASSIQUE ARCADE, K S RAO ROAD, MANGALORE – 575001. BIJAPUR - GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, FIRST FLOOR, GITANJALI JWELLERS,OPP KARNATAKA GUEST HOUSE, RAM MANDIR ROAD, BIJAPUR - 586 101. CHENNAI, GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, NO.C-53, 1ST AVENUECHINTAMANI, ANNA NAGAR EAST, CHENNAI-600 102, GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, M K TOWERS, NO.18, MINT STREET, SOWCARPET, CHENNAI - 600079, GEOJIT BNP PARIBAS FINANCIAL SERVICES LTDCHALLA MALL, 1 ST FLOOR, 101, 102, NO 11,THIYAGARAYA ROAD,T.NAGAR, CHENNAI – 600017. COIMBATORE- GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, DOOR NO.1023, 2ND FLOOR, R G CHAMBERS, AVANASHI ROAD, COIMBATORE - 641 018. MADURAI- GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, PLOT NO 10, DOOR NO 4/947, 1ST FLOOR, VISHNU PLAZA, VAIGAI COLONY, NEAR PTR BRIDGE 80 FEET ROAD, ANNA NAGAR, MADURAI - 625020, GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, PLOT NO 10, DOOR NO 4/947, 1ST FLOOR, VISHNU PLAZA, VAIGAI COLONY, NEAR PTR BRIDGE 80 FEET ROAD, ANNA NAGAR, MADURAI – 625020. TRICHY- GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, 2ND FLOOR, LKS TOWERS, NO.127, WEST BOULEWARD ROAD, TRICHY - 620 008. HYDERABAD- GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, 1ST FLOOR, N V K TOWERS, NO.3-6-272, HIMAYAT NAGAR, HYDERABAD 500029, VIJAYAWADA- GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, DOOR NO.39-9-1, 5TH FLOOR, ANJANEYA JEWELLERY BUILDING, M.G. ROAD , VENKATESWARA PURAM, LABBIPET, VIJAYAWADA - 520 010. SECUNDERABAD — GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD H NO:1-8-215/12,P NO 142/11&12, PENDER GHAST ROAD, PARADISE, SECUNDERABAD - 500 003. VISAKHAPATNAM- GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, # 47-11-18/7, FIRST FLOOR, OFF # 4, G K TOWERS, DWARAKANAGAR MAIN ROAD,VISAKHAPATNAM- 530 016. THANE - GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, OLD PRADHAN BUILDING,1ST FLOOR, OPP. KHANDELWALA MITHAIWALA, NEAR RAILWAY STATION .THANE ( WEST ) 400 601, -MUMBAI - GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD 2ND FLOOR, SAOOLI BUILDING, 29 J P ROAD, ANDHERI( E) , MUMBAI - 400053, GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, 22B, RAJABAHADUR MANSION, AMBALAL DOSHI MARG, OPP STOCK EXCHANGE POST OFFICE, FORT, MUMBAI – 23. NASIK - GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, OFFICE NO.101 & 102,PADMA VISHWA CENTRE, NEXT TO RAYMOND SHOWROOM, BESIDE UTI BANK, OFF SHARANPUR ROAD. PUNE - GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, 1187/21,GHOLE ROAD, 201, BUTTE PARTIL VERTEX, IIND FLOOR, NEXT TO ICICI BANK, SHIVAJI NAGAR, PUNE 411 005. INDORE - GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD 16/1, SNEHA NAGAR, 1 ST FLOOR, SAPNA SANGEETA ROAD, INDORE - 452 001.KOLKATTA- GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, 24-B, SHAKESPEAR SARANI, KOLKATA 700017. BHUBANESHWAR - GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, CENTER POINT, 501/1741/1846, MOUZA KHARVELA NAGAR, BHUBANESWAR - 751 001. AHMEDABAD- GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD104, 105, KAIVANNA,OPP. SAFFRON BUILDING, NEAR PANCHVATI CIRCLE , ELLISBRIDGE, AMBAVADI, AHMEDABAD - 380006. BARODA - GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, 3RD FLOOR, STATUS BUILDING, OPP.AMRAPALI COMPLEX, WATER TANK ROAD,KARELIBAUG, VADODARA – 390018. NEW DELHI, - GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, UGF NO. 2, INDRAPRAKASH BUILDING, BARAKHAMBA ROAD, CONNAUGHT PLACE - 110001, - GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD, PRATAP NAGAR,ASHOK PLAZA COMPLEX, NEAR JEEWAN ANMOL HOSPITAL, MAYUR VIHAR PHASE - 1, NEW DELHI – 110091. JAIPUR- GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD304-305, 3RD FLOOR, BRIJ ANUKAMPA, ASHOK MARG, C-SCHEME, JAIPUR. LUCKNOW- GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD F106, 1 ST FLOOR,SKY CHAMBER, 5/11 PARK ROAD, HAZRAT GANJ, LUCKNOW. LUDHIANA- GEOJIT BNP PARIBAS FINANCIAL SERVICES LTD1ST FLOOR, SHOWROOM NO.5, FEROZE GANDHI MARKET, LUDHIANA. GHAZIABAD - GEOJIT BNP PARIBAS FINANCIAL SERVICES LTDOFFICE NO 14, 1 ST FLOOR,MAHALUXMI METRO TOWER,C-1, C-2, SECTOR-4,VAISHALI, GHAZIABAD - 201001 Ahmedabad – Navrangpura: 21, Nirman, Gr.Floor, Behind Navrangpura Bus Stop, Navrangpura,Ahmedabad - 380 009. Tel.26443289 / 26447825. Bangalore – Malleswaram:No 12, Ramanuja Plaza, Ground Floor, 5th Cross, Malleswaram,Bangalore - 560 003.Tel. 23446386 / 23461470. Bhopal :Manasarovar INTEGRATED ENTERPRISES (INDIA) LIMITED Complex, FM 14, ‘C’ Block, 1st Floor, Near Habibganj Railway Station, Habibgang Station Road, Bhopal – 462 011.Tel.4266005 / 4266006. Bhubaneshwar :39 F, I Floor,Kalika Jewellery and Sons, Ashok Nagar, Bhubaneswar – 751009. Tel.2530613 / 2530614. Chennai : 1st Floor, Kences Towers, 1, Ramakrishna Street, North Usman Road, T.Nagar, Chennai - 600 017.Tel 28140484 Coimbatore- R.S.Puram:Janaki Apts., Ground Floor, 29/176 - A, Ramalingam Road (West), R.S. Puram, Coimbatore - 641 002. Tel:2471944 / 2471505. Dhanbad:Shri Ram Plaza, 3rd Floor, Shop No.308, Bank More, Dhanbad -Jharkhand - 826001. Tel.2304331 / 2307635. Guntur:6-9-15,9/1 Aurndelpet,Guntur – 522002. Tel.2326624 / 2337809. Hyderabad – Basheerbagh: No.5-10-197/A, G4, I Floor, Reliance Krishna Apts, Beside Kalanjali Bhavan, Navad Pahad, Hill Fort Road, Hyderabad - 500 004.Tel.23242375 / 23242472. Jamshedpur: Shop No.8, Meghdeep Apts, H No.5, Line No.2, Q Road, Bistupur, Jamshedpur, Pincode - 831001, Jharkhand. Tel. 2756319 / 2756321. Kakinada:LIG 7, 2-6-38, AP Housing Board, 100 Building Center, Srinagar,Kakinada - 533 003.Tel:2377258. Kochi – M.G.Road:RAJ SOUDH’, I Floor, 39/3477, M.G.Road, Ernakulam - 682 016. Tel. 2358922 /2358923. Kolkata – South: Trikut,Flat No.1-B, 4C Lansdowne Place, Opp. Road of Ramakrishna Mission Hospital, Kolkata - 700 029.Tel. 2474600 / 24742705. Lucknow: 207 - A, 2nd Floor, Saran Chambers II, 5, Park Road, Lucknow - 226 001. Tel.2235736 / 2236766. Mumbai- Fort : 59, Sonawala Building, Gr.Floor, Bombay Samachar Marg, Fort,Mumbai - 400 023Tel:22662825 / 22662728. Madurai: 82, 1st Floor, Vakkil New Street, Madurai - 625 001.Tel.2630305 / 2620560. Mysore:133, Shika Towers, Second Floor, Rama Vilas Road, Mysore - 570 024. Tel: 2424188 / 4266682. Mangalore: F-1, 1st Floor, Ram Bhavan Complex, Kodialbail - 575 003.Tel 2440163 / 2447051. Nasik: B Wing, Parshuram Apts, Opp. Times of India Office, College Road,Nasik - 422 005.Tel.2575524 / 2316300. Nagpur – Dhantoli: Block No.108, Sathyam Towers, (First Floor), (Next to Hotel Sunny International), Plot No.8, Wardha Road, Dhantoli, Nagpur – 440012.Tel.2420105 / 2420106. New Delhi – Karol Bagh: 1691 / 36, (I Floor), Arya Samaj Road,(Opp. to Satbhrawan School), Naiwala, Karolbagh, New Delhi – 110 005. Tel.45170331 / 45170332. Nellore:Shop No.27, Co-operative Bank Shopping Complex, Trunk Road, Nellore - 524 001.Tel:2326297/ 2332040. Pondicherry:No.40-A, Aurobindo Street, (Between M.G.Road & Mission Street), Pondicherry – 605 001.Tel:2222155/4207233. Panaji:106, 1st Floor, Durga Chambers, Opp. Kenis Hotel, 18th June Road, Panjim,Goa - 403 001.Tel.2426904 / 2426905. Pune – Shukrawarpeth: 7 and 8 Arthshilp, Gr.Floor, 1349, 1350, Shukrawar Peth, Bajirao Road,Pune - 411 002. Tel.24473944 /.24481891. Patna: No.313, Jagat Trade Centre, Fraser Road, Patna 800 001.Tel. 2205943. Rajamundhry: 6-14-7/1, Opp. Pala Varthakula Sangam, Achantavari St, T.Nagar,Rajamundhry – 533101.Tel.2422120 / 2437533. Rajkot:130/131, Star Chambers, 1st Floor, Harihar Chowk, Dr. Rajendra Prasad Road,Rajkot - 360 001.Tel.3041451 / 2240373. Salem: No.19/2 AB Gandhi Nagar,(1 Flr),Annapuram,Opp.to Raja Thirumana Mahal Salem-636004. Tel.2446727 / 2336746 Surat: C-18 Belgium Chambers, I Floor, Next to Ltd., Main Ring Road, Surat - 395 003.Tel. 2410815 / 2454535. Tirupati:D.No.10-13-490A, 2nd Floor,Reddy & Reddy Colony, Beside Krishna Reddy Hospital,Tirupathi - 517501.Tel:2224001 / 2224003. Trichy .: Chitra Complex - No.11, Gr. Floor, Near Chatram Bus Stand, Trichy - 620 002.Tel.2703670 / 2716387 Trivandrum : Aashiana, TC 28/2829-2, 1st Floor, Kuthiravattom Road, Trivandrum – 695 001. Tel.2461593 / 2478225. Thrissur : 3rd Floor Ambika Arcade,M.G. Road, Thrissur - 680 021.Kerala. Tel:3204561 / 3204562. Thane – West :102, 1st Foor,Shree Krishna Complex CHS Ltd.Dada Patil Wadi, (Next to Ganesh Towers) Thane West – 400 602. Tel.25301256 / 25301257. Vizag : TC-1, 3rd Floor, Dwaraka Plaza, Main Road, Dwaraka Nagar, Vizag - 530 016 .Tel.2513606 / 2747020. Vijaywada: Door No. 29-13-29, Ist Floor, Kaleswara Rao Road, Near Dornakal X Roads, Besides Indian Bank, Suryaraopeta, VIJAYAWADA 520 002. Tel.2472414 / 2470517. Vadodara:F- 40/41, National Plaza, 1st Floor, R.C.Dutt Road, Alkapuri, Baroda - 390 007.Tel:2343677 / 2341608. AGRA: Kotak Securities Limited., 2/220, Glory Plaza, Suer Sadan Crossing, M.G Road,P: 5538760; AHMEDABAD: Kotak Securities Limited., 207, 2nd Floor, Sakar-II, Ellisbridge Corner, Ashram Road.P:26587276; Kotak Sec Ltd., 201/A, Amruta Arcade, Nr Maningr Char Rasta, Maningr; Kotak Securities Limited., B/104, 1st Floor, Premium House, Opp Gandhigram Rly Stn.P:26579567; Kotak KOTAK SECURITIES LIMITED Securities Limited., B-46, Kamdhenu Complex, Opp.Sahajanand College, Panjara Pole, Ambawadi.P:26308035; ALLAHABAD: Kotak Securities Limited., M-4, Mezzanine Floor, LDA Center, 2, Sardar Patel Marg, Civil Line.P: 2561451; AMRITSAR: Kotak Securities Limited., Unit No.FUF-7, Central Mall, 32, Mall Road; ANAND: Kotak Securities Limited., 3rd Floor, “Sanket”, Near Grid.P: 2573311; BANGALORE: Kotak Securities Limited., ‘Umiya Landmark’–II Flr., No:10/7 -Lavelle Rd.P: 66203601; Kotak Securities Limited., no 201, soundrya sampige complex, Sampige Road, No 412, 8th Cross, Malleswaram. P: 9900133758; BELGAUM: Kotak Securities Limited., Shri Laxmi Sankul Complex, T-01, 3rd Flr, Above Cosmos Bank, Maruti Galli, P: 4203033; BHARUCH: Kotak Securities Limited., 235-236, Harihar Complex, Zadeshwar Road.P:570569; BHOPAL: Kotak Securities Limited., Third Floor, Alankar Palace, 10-11, MP Nagar, Zone 2.P: 5248133; BHUBANESHWAR: Kotak Securities Limited., Plot No – 24, 2nd Flr., SCR, Nr Bazaar Kolkata, Bapuji Nagar, Janpath.P: 2597871; CHANDIGARH: Kotak Securities Limited., SCO-14-15, 2nd Floor, Madhya Marg, Sector-8C.P: 5065301; CHENNAI: Kotak Securities Limited., GRR Business Cneter, No.21, Vaidyaraman Street, T Nagar.P:66462000; COIMBATORE: Kotak Securities Limited., 1st Floor, Red rose chamber, 1437,Trichy road.P: 6699666; DHERADUN: Kotak Securities Limited., 1st Floor, Swaraj Complex, 72, Rajpur Road, Opp Hotel Madhuban,P: 2745870; DHANBAD: Kotak Securities Limited., 1St Floor, Commerce House - 2, Above Ashoka Bajaj Showroom, Shastri Nagar, P:2308482; GUWAHATI: Kotak Securities Limited., Akshay Tower , 4th Floor, Opp. Rupayan Arcade, Fancy Bazar, S.S. Road. P: 2732243; GURGAON: Kotak Securities Ltd. ; O - 107 Arjun Shopping Mall ; Arjun Nagar ; DLF Phase1 ; HUBLI: Kotak Securities Limited., V A Kalburgi Complex, Ground floor, Besides Vivekanand corner, Desai Cross, Deshpandenagar.P: 2357512; HYDERABAD: Kotak Securities Limited., 9-1-777, 4th Flr, Beside ITC Bldg, S D Rd, (LANE Opp to DBR Diagnosis), P:65326394; INDORE: Kotak Securities Limited., 314, Citi Centre, 570, M.G. Road.P:2537336; JABALPUR: Kotak Securities Limited., Jain Tower, 3rd Floor, Ruseel Chowk,P: 4085850; JAIPUR: Kotak Securities Limited., 305-308, 3rd Floor, Green House, O-15,Ashok Marg, C-Scheme; JALANDHAR: Kotak Securities Limited., 2nd Floor, 465, Lajpat Nagar Market; JAMNAGAR: Kotak Securities Limited., 701, 5th Floor, City Point, Station Road, Near Town Hall.P: 5540355; JAMSHEDPUR: Kotak Securities Limited., Bharat Business Centre, Ho No.2, 2nd Flr, Rm No. 8, Ram Mandir Area Bistupur,P:3090856; JODHPUR: Kotak Securities Limited., 1st Floor, Gulab Bhawan, Chopasani Road,P: 5101956; KAKINADA: Kotak Securities Limited., No: 15 , 1st Floor, Subhadra ArcadeBhanugudi Junction KANPUR: Kotak Securities Limited., 312-315, 3rd Floor, 14/113, Kan Chambers, Civil Lines, Near UP Stock Exchange.P: 3018114; KOCHI: Kotak Securities Limited., 40/1400, 11th Floor, Ensign Enclave, Jos Junction, M.G. Road.P: 2377386; KOLKATTA: Kotak Securities Limited., 7th Floor, Apeejay House, Block ‘C’, 15, Park Street,P:22273999; Kotak Securities Limited., Govind Bhavan, Ground Floor, 2, Biplabi Trilokya Maharaj Sarani(Brabourne Road),P: 2235 8105; KOTA: Kotak Securities Limited., D-8 First Floor, Shri Ram Complex, Opposite Multipurpose School, Gumanpura; LUCKNOW: Kotak Securities Limited., 1-2 Ground floor, Commerce House, Habibullah Estate,11 M.G. Marg.P:3950119; Kotak Securities Limited., A-1 ; Ashish Palace,Sector E,Aliganj, P: 3232285; LUDHIANA: Kotak Securities Limited., SCO-122, 2nd Floor, Firoz Gandhi Market,P: 5047214; MADURAI: Kotak Securities Limited., Shop A First Floor, KRV Arcade, AR PLAZA 16 & 17, North velli Street.P: 2341225; MANGALORE: Kotak Securities Limited., No.4, 3rd Floor, The Trade Centre, Jyoti Centre, Bunts Hostel Road, Near Jyoti Circle, P: 424180; Kotak Securities Limited., No.4, 3rd Floor, The Trade Centre, Jyoti Centre, Bunts Hostel Road, Near Jyoti Circle.P: 424180; MUMBAI: Kotak Securities Limited., 32, Gr Flr., Raja Bahadur Compound, Opp , Fort,P:22655074; Kotak Securities Limited., 6th Floor, Kotak Towers, Building No. 21, Infinity Park, Off Western Express Highway, Goregaon Mulund Link, Road, Malad (E),P: 6605 6825; Kotak Securities Limited., Nirlon House, 3rd Floor, Dr Anie Besant Road, Near Passport Office, Worli,P:66529191; MYSORE: Kotak Securities Limited., No: 646 - Kiran Mansion - 2 nd Floor, Above Reliance Fresh, Chamaraja Double Road, P: 4000861; NAGPUR: Kotak Securities Limited., Plot no. 5, 3rd floor, Lotus Gorepeth Layout WHC Road , Dharampeth, P: 6620278; NASHIK: Kotak Securities Limited., G-5, Suyojit Avdhoot Tower, Old Gangapur Naka, Gangapur Rd,P: 6609804; NEW DELHI: Kotak Securities Limited., 202-217, 2nd Floor, Ambadeep Building, 14, Kasturba Gandhi Marg.P:66313131; NOIDA: Kotak Securities Limited, 2nd Floor, Above Kotak Mahindra Bank, G-31-32, Atta Market, Sector-18,P: 4606911; PANAJI: Kotak Securities Limited., 2ND Floor,Gurusai Plaza,Isidoria Baptista Road,Margao,P: 6624833; PATNA: Kotak Securities Limited., Office No.7, Twin Tower Hathwa, South Gandhi Maidan,P: 2224620; PUNE: Kotak Securities Limited., 2 ND FLOOR, KUMAR BUSINESS CENTER,BUND GARDEN ROAD,OPP. BUND GRADEN,P: 66066129; RAIPUR: Kotak Securities Limited., Menzanine Fllor, Chawla Complex, Near Vanijya Bhawan,Devendra Nagar Road, P: 251555; RAJKOT: Kotak Securities Limited., Nath Complex, 2nd floor, Opp. Jilla Panchayat, Above Kotak Mahindra Bank, Yagnik Road.P:2459436; RANCHI: Kotak Securities Limited., Shop no. 24 & 25, 2nd Floor, A.C. Market, G.E.L. Church Complex, Main Road, P:2200860. SALEM: Kotak Securities Limited., 5/241, F Rathna Arcade Five Road,Meyyanur,P: 2335476; SILIGURI: Kotak Securities Limited., Nanak Complex, 2nd Floor, Sevok Road, SURAT: Kotak Securities Limited., Kotak House, K G Point, 1st Floor, Nr.Ganga Palace, Opp.IDBI Bank, Ghoddod Road.P: 2254553; TRICHY: Kotak Securities Limited., C-56,1-24-4th cross, Thillai Nagar, TRIVANDRUM: Kotak Securities Limited., Mahesh Estates, 2nd Floor, T L -15/1805, Vazhuthacadu, P: 2337423; UDAIPUR: Kotak Securities Limited., 222/12, Ist Floor, Mumal Towers, Saheli Marg, P: 513901; VADODARA: Kotak Securities Limited., 216, Meghdhanush Complex, Race Course Road (South),P: 2314455; VIJAYAWADA: Kotak Securities Limited., 40-1-48/1, Labbipet, M.G.Road,P: 6649061; VISAKHAPATNAM: Kotak Securities Limited., Door No.47-10-15, VRC Complex , 2nd Floor, Railway Station Rd , Dwarka Nagar, P: 6642009; AHMEDABAD : Sanket Jani, Motilal Oswal Securities Ltd,Bearing no. G-6/7/8/9 & 10,Citypride Complex, Near Nalanda Hotel, Mithakali Circle, Navrangpura-380 009Tel:079-30078120/8121. HYDRABAD : Gopal Majhi, Motilal Oswal Securities Ltd,201, Lumbini Amrutha Chambers,Near Nagarjuna Circle, Road No.3, Banjara Hills,- 500082 Tel:040- MOTILAL OSWAL SECURITIES LIMITED 30624444/45. MUMBAI : Santosh Patil, Motilal Oswal Securities Ltd, Queens Mansion,2nd Floor, 44, A. K. Naik Marg, Behaind Khadi Gramodyog- 400 001 Tel:30278090. Prastant Naidu Motilal Oswal Securities Ltd, Palm Spring Center, 2nd Floor, Link Road, Malad (W), Mumbai –400064. Motilal Oswal Securities Ltd, 3rd Floor, Hoechst House, Nariman Point, Mumbai - 400 021.KOLKATTA : Raju Chongdar, Motilal Oswal Securities Ltd, 3rd Floor, Constantia Building,Dr. U. N. Bramachari Street- 700017 Tel;9748640024. NEW DELHI : Deepak Kumar, Motilal Oswal Securities Ltd, 801-806,8th Floor, Prakash Deep Building, 7 Tolstoy Marg, Connaught Place, New Delhi -110001,Tel:011-43671859 /30481833. ALLEPEY :Senthil M, Ground Floor, Bhagya Building, Opp, Thiruvambady High School, Pazhaveedu-688009. Tel:477-3259555,3292555. Ganesh Nadarajan, Kannattu Shopping Complex, First Floor, Engg.College Road, Chengannoor-689 121. Tel:0479-3242666,3247555. Ratheesh R, I St Floor, Sri.Shankara Building,East Of Town Hall Jn, Harippad-690514. Tel:0479 MUTHOOT SECURITIES LIMITED 3248555,3242555. Jithinsyam V, Chakrathara Building ,Nadakkavu Mavelikkara-690 101. Tel: 0479-3243555, 3244555. BANGALORE :Jaison Thomas K, 56,1st A .Main,7th Block, Kormangala-Tel: 080-32210082, 32210081. CHENNAI : K. Sameeulla Sareef, Muthoot Securities Ltd., 15/16, 3rd Cross St., Kasturba Nagar, Adayar –600 020. Tel: 044-32476333, 2476111. P Muthu, No:271,1st Floor, Avadi Poonamallee Road-600 054. Tel:044-32478111, 32479333. Mylsamy, C 44/45 Thiru Complex, Pantheon Road,Egmore-600 008. Tel: 044-32018813, 32018814. Sambath L, New No:175,Patel Road,1st Floor,Perambur-600011. Tel:044-32472111, 32476222. Sivaram Ravindran, 21/3 Ramaswamy Street, West Tambaram-600 045. Tel: 044-32477111,32478333. Satheesh S, No.7& 8, Ist Floor Kasi Arcade,Thyagaraya Road,T.Nagar-600017. Tel:044-32473111, 32479222. COIMBATORE : Anoop Jayan B, 144,Sengupta Street,Ram Nagar,Gandhipram-641009. Tel: 0422-3224111, 3225111. P Boobalan, 88,R.P.Towers,2nd Floor,Kovai Road,Pollachi-642002. Tel: 04259-327778,3245540. Leela Ramanan, 138,2nd Floor,T.V.Samy Road,Punniyakodi Street R.S.Puram -641002.Tel :0422-3238444, 3239666. DINDIGAL : RengiahD, 21-A- Dmmd Building,Pensioner Street, Upstairs– 624001. Tel: 0451-3209111,3204111. ERODE : Satheesh Kumar D, 147,Dhana Complex,Mettur Road-638011. Tel: 0424-3243888,3246888. GUDIVADA: Mohammed Momeen, Door No.9/305, Pavan Plaza, Eluru Road, Gudivada, Krishna Dt – 521301 . Tel:08674-322551, 322699. GUNTUR : B S Nageswara Rao, 12-5, Arundalpet, Behind Church, Narasaraopet – 522601. Tel: 08647-322770, 323551. HYDERABAD : Srinivasu Kollepara, Flat No.305, 3rd Floor, Kvr Enclave, Ameerpet, Tel:040-32599505, 32599089. IDDUKI : Prasanth K R, Kasamkulam Shopping Complex,Market Junction ,Kunthalampara Road-Kattapana-686505. Tel: 04868-322510, 322511. Sijo Paul, Kalarickal Arcade,Land-Arc Complex,Nh-49,Adimaly-685561. Tel: 04864 224950, 09388566429,09388566428. Joseph P J, Room No:840,Near Nedumkandam Tcompany,Nedumkandam Po,-685553. Tel: 04868-322495, Lyju Jose, Choorapuzha Towers, Pala Road, Thodupuzha-685584. Tel: 04862 327555, 340555. KANDUKAR : Radha Krishna Sripathi, 12-5-38, Old Bank Road, Kandukur, Prakasam Dt – 523105. Tel: 08598-321778, 321777. KANNUR : Sandeep K, Sadhoo Building ,Fort Road-01. Tel: 0497-3246555, 3247555. Rajeesh P, M.M.Cnetre,Main Road,Payyanur,Pin:670307. Tel: 04985-322999,322844. Mahesh P V, Ground Floor,Sithara Complex,Ncc Road,Thalessary- 670101. Tel: 0490-3264555,3267333. KANYAKUMARI : Senthilvel Nathan, P2, Fathima Building, Opp. Chakravarthy Theatre, Chettikkulam Jn., Nagercoil- 629002. Tel: 04652-312347, 312348. KARUR : Saravanan P, 87B/151/1,1st Floor,Jawahar Bazar,Kovai Road-639001. Tel: 04324-310062, 310060. KASARGOD : Deepa V, Stylo Complex, Bank Road, Kasargode- 671121. Tel: 04994-329616, 329606. KOCHI :Pradeep P Rangan, City Height, No: 308, Ist Floor, Near Private Bustand, Alwaye –683101. Tel: 0484 3102422, 3102433. Jyothish Joseph, II nd Floor, Janatha Building, Church Junction, Angamaly- 683 572. Tel: 0484 3106222, 3102444. Divya KS, Belmont Plaza,Near Bank Of Baroda North Branch,Banerji Road-682018. Tel:0484-3114960, 3114955. Ajishkumar B, Supremo Complex,Toll Junction,Edappally-682024. Tel: 0484 3101277. Jes V John, Door No. 28/877c (New No.53/477a), 1st Floor, Chakkalakal Building, K P Vallon Road, Kadavanthra-682 020. Te: 0484-3101171, 3101181. Rijo Devassy, Cristal Tower,M.C.Road,Kalady-683574. Tel : 0484-3113444, 3103770. Renjith G, I St Floor, Mik Building, Kalamassery-683104. Tel: 0484- 3273555 , 3294555, Abraham K J, Ground Floor,Mcp Building ,Near ,Kolencherry-682311. Tel : 0484-3277881,3115044. Ajo N Joseph, Leela Arcade ,Central Junction,Koothattukulam. Tel: 0485- 3245111, 3243111. Anil P2nd Floor, Mar Thoma Cheriapally Bldg,Near Canara Bank,Kothamangalam –686691. Tel :0485-3249555,3249666. Nithesh Neelakandan Chaitra Hotel Building, Sndp Juction ,1st Floor ,Muvattupuzha-686661. Tel : 0485-3246555, 3249333. Muhammed Rafeek P Y, Devi Towers ,Mcroad ,Near Bank Of India Perumbavoor-683542. Tel : 0484-3101211,3102411. Ramaswamy K, Madathiparambil Bldg, Mattummal Junction, Thevara- 682013. Tel: 0484-3101266, 3101299. Sibi Johnson, Ground Floor,Chinmaya Mission Bldg, Layam Rd, Tripunithara-682301. Tel: 0484 –3101255,3101244. KOLLAM : Soumya Manoj, Thomson Shopping Complex,College Juntcion, Anchal-691306.Tel :0475-3264111, 3265111. Manoj N S, Mulamoottil Building, Near Ksrtc Bus Stand, Ayur-691533. Tel: 0475- 3200444,3201444. Sajin K S, Muthoot Chambers, Opp.K C Theatre Thattassery, Chavara-691 583. Tel: 0476-3204555,3206555. Mahesh P, Noufal Building, Opp. Head Post Office, Karunagappally-690518. Tel : 0476-3207555, 3243555. Anandavally R, Muthoot Buildings, Vadayattukotta Road-691 001. Tel: 0474-3212555, 3213555. Harikuttanpillai J, Muthoot Chambers, Pulamon P.O, Kottarakkara-691506. Tel :0474-3218555,3217555. Imesh S Rajan, P.B.No:11, Hospital Junction, Opp.Petrol Bunk, Kundara-691501. Tel: 0474-3216555, 3219555. Sreekumar C, Kallelil Complex, Hospital Junction, Punaloor-691 305. Tel: 0475- 3202555,3244666. KOTTAYAM : Roju P R, Thyparambil Buildings,Perunna, Chenganasserry, Tel : 0481-3238555, 3210051. M Vasudevan, Krishnapriya Arcade, Kanjikuzhy-686004. Tel: 0481-3211555, 3231555. Shinesh A S, Ground Floor ,Kollamkulam Towers,Kanjirapally-686507. Tel: 04828-320703,327666. Panoose Varghese, “Koodathumuriyil Building, Karukachal- 686530. Tel: 0481-3210111,3230300. Bibith Koshy Mathew, Bethanya Building, No:584a,T.K.Road,Kumbanad-689547. Tel: 0469-3203111, 3204111. Anoop Varghese, Building No.Iii / 92 B 6, 1st Floor, Above , M.C. Road, Kuravilangad. Tel:04822-312555, 312333. Jose Joseph, Global Building,Causeway Junction,Building No:22-6,7,8,9.Mundakayam-686513. Tel: 04828-327744,327733. Jobin Baby, Marian Complex, Kurusukavala Junction ,Pala-686575. Tel: 04822-311441, 323271. Brijith Varughese, Inchakkattu Building,Puthuppally-686011. Tel: 0481-3237555,3234555. Linto V M, Muthoot Crown Plaza, T.B Road-686 001. Tel: 0481 3212555, 3218555. KOZHICODE : Leo Mathew, 1 St Floor, Hotel Thushara International, Kodencherry P.O-673580. Tel:0495 3213777, 3226777. Anand M, 5/3403 C32, 3rd Floor, Space Mall, Jaffekhan Colony Road, Mavoorroad-673 004. Tel: 0495 3215444, 3219444. Ajayan . A, Door No. 20/230v, Sy.No.61/1, 1st Floor, Neethi Medicals Building, Behind Town Hall, Convent Road, Vadakara-673 101. Tel:0496-3224775, 3224776. MADURAI :Mr. M.Pandiaraj, First Floor,17,Avani Road,Bye Pass Road,S.S Colony,10. Tel :0452-3278555, 3246420. MALAPPURAM : Hussain Abid N, Ground Floor Asian Tower ,Tirur Road-676503. Tel: 0483-3264555, 3268555. Sajeesh Kumar, 1st Floor, Palassery Building.Opp.Head Post Office,Court Road,Manjeri-676121. Tel: 0483-3249555, 3266555. Krishnadas K B, Ct Plaza, Ooty Road Perinthalmanna- 679322. Tel : 04933-327555, 327666. Balaji K P, K M S Tower, Thazepalam, Tirur 676 101. Tel:0494-3243555, 3246555. Dony Joseph, Ground Floor ,Vp Complex, Near Police Station ,Main Road Nilambur-679329. Tel :04931-344018, 344019. MANGALORE : Aravind Murali, Abhiman Plaza,Bunts Hostel Circle,Manglore-575003. Tel: 0824–3200054,3200057.MARKAPUR :H Raju Borigorla, 7/273, 2nd Floor, Y S R Complex, Nehru Street, Markapur - 523 316. TEL:08596-321425, 321426. MYSORE : Somashekar M N,(New No.L.36), First Floor, Shivaji Road, N.R Mohalla-570007. Tel:0821-3209925, 3209924. NAMAKKAL : Murali R, No. 320/1, Paramathy Main Road, Santhapettai Pudur, Namakkal-637 001. Tel:04286-322042, 323990. NANDYAL : Hussain Peera D, Door No. 25/154 B, 1st Floor, Sanjeeva Nagar, Nandyal,AP- 518501. Tel: 08514-322229, 322228. ONGOLE : Naresh Achyutha, Muthoot Securities Ltd, 37-1-169, 2nd Floor, Arn Complex, Kurnool Road, Ongole, Prakasam Dist, AP- 523002. Tel: 08592-322955, 322995. PALAKKAD : Rose Maria Dominic, Mangalassery Building,H.S.Road,Cherpulassery-679503. Tel: 0466-3213555. Senthil Kumar J, 1st Floor,,Classic Building,Anikkodu Mukku,Chitoor-678101. Tel: 0492- 3315802,3315803. Arunesh K A, Thaj Complex, 1st Floor, Opp. Police Station, Mannarghat- 678582, Tel: 04924-322993, 322994. Dinesh N, J.R.J Complex &Enterprises,Ottapalam-679101. Tel: 0466-3214555, 3214333. Aneesh Chandran R, Chundakkayil Complex, Manjakulam Road-14. Tel: 0491-3266555, 3268555. Anil Kumar T K, Building No. 654 G, 1st Floor, Chulliyil Bldg, Guruvayur Road, Pattambi- 679303. Tel: 0466- 3214777,3214666. Bijoy V, Safa Building,Airport Road ,Near Nalanda Hospital, Ramanattukara, -673633. Tel: 0495-3211753,3211752. PATHANAMTHITTA : Manoj Babu, Ist Floor, Vilanilam Building, Near Private Bus Stand, Adoor-691523. Tel: 04734-323388,323377. Binoy John, Thommi Shoppingcomplex, P O Road, Konni – 689691. Tel: 0468-3203444, 3203111. Anish Kumar M P, 1st Floor, Mulavoor Ayurvedic Pharmacy,Nedumprayar,Maramon P.O,Kozhenchery-689549. Tel: 0468-3206555, 3209555. Seen Abraham Mathew (Buidling No:512b) Lissy Villa ,Pandalam P.O ,Pathanamthitta-689501. Tel: 04734-323022, 323021. Chacko K C, Opp.Anurag Theatre, John’s Complex, Pathanamthitta –689645. Tel: 0468-3202666, 3209666. George K Abraham, Othara Squre, Perumpuzha, Ranni - 689 672. Tel :0473 -5320666, 5325111. Tomy Thomas, Kackanattu Square , Tb Junction,Ramanchira, Thiruvalla –689101. Tel: 0469- 3202555, 3202666. Suresh Kumar K A, Church View Bldgs Thumpamon - 689 502. Tel :04734-323555,323666. PUDUKKOTAI : Natarajan D, Best Commercial Complex,1 St Floor, Opp Svs Motors,Marthandapuram, 3rd Street,Alangudi Road,Pudukkotai- 622001. Tel: 04322-327111, 327555. PUTTUR :Yunus Khan, 65/1,1st Floor ,Minar Complex,Main Road Puttur-574201. Tel: 08251-326254, 326255. RAJAHMUNDRY: Mohammad Rehman, Door No.6- 9-13, Kalabargi Vari Street, T-Nagar, Rajahmundry –533101. Tel: 0883-3244757, 3244770. SALEM : Prem Kumar, M No:6,Omalus Road ,Four Roads, Salem –636009. Tel: 0427-3206111,3208111. THANJAVUR : Bharathi Raj, Near Muthoot Finance, South Main Street-613009. Tel: 04362-313312, 313406. THIRUNELVELI : S Saravanakumar, Door No. 22, 2nd Floor, Elango Complex, South Car Street, Thirunelveli Town-2.- 627 006. Tel: 0462-3206006, 3206050. THIRUPUR : K Saravanan, Murthys Plaza,16 Kg Street,Kadarpet,Tiruppur,-641601.Tel: 0421-3242555, 3243003. Ravindran C, “Muthoot Securities Ltd, 4, Puthu Thottam Road, Rp Complex, Near Kailash Marbiles, Palladam Road, Thirupur – 641604. Tel:0421 – 3211102, 3211103. TRICHUR : Mr. Radhakrishnan K V, Venus Complex ,M.G Road ,West Fort-680004. Tel: 0487-3257111, 3208388.Rahul Raj Thayyil, M.A.Jose Building ,North Junction ,Chalakudy. Tel: 0480-3275111,3277111. Jojo Mathew, Opp Allengadan Vessel,Tana Jn,Irinjalakuda-680121. Tel: 0480-3270021,3270022. Raphel V I, Modern Tower ,Near South Malabar Gramin Bank,Wadakkancherry Road, Kunnamkulum, -680503. Tel: 04885-324088, 320086. K O Jose, First Floor,Muscat Building,Opposite Petrol Pump,Ottupara,Wadakkancherry-680582. Tel: 04884-326966, 326977. TRICHY : Iyyappan G, 3rd Floor ,P.L.A Sivagami Building, 4th Cross, Tillainagar-620018. Tel: 0431-3249111, 3247111. TRIVANDRUM : Sreekantan M S, Deira Towers,Opp. Govt Hss,Kallara-695608. Tel: 0472-3240111, 3208211. Aneesh G S, Sreepadmanabham,Door No:Kp3/81,Kazhakootam Jn,Above Federal Bank-695582. Tel: 0471-3273111, 3274111. Manu S, Arjun Towers,Opp: Private Bus Stand,Kilimanoor-695601. Tel : 0470-3209944, 3255022. Rajesh R, Kattuparambil Bldg,Kurisadi Jn., Nalanchira-695015. Tel: 0471-3228555, 3229666. Uma Maheswaran,G P Tc 12/145(6),Near Hdfc Bank,Plamoodu,Pattom P.O-695004. Tel: 0471-3239111, 3234007. Rajeev P J, Ground Floor, Muthoot Chambers, Near Sastha Temple, Thycadu-695 014. Tel: 0471- 3224555, 3227555. UDUPI : Rakesh Holla, 1st Floor,London Plaza, K.M Marg,Udupi-576101. Tel: 0820-3208222, 3202111. VIJAYAWADA : T Radha Krishna, 1st Floor, Opp. Bsnl Microwave Station, M.G Road-520010. Tel: 0866-3244536, 3244535. VINUKONDA : SAI M M K Kumar, Ch. Lakshmi Kalyani, D No.30-506/B, Upstair Of , Beside Andhra Bank-522647. Tel: 9346622602, 9346622603,273273. VISAKHAPATNAM : Guggilam Bhavani Aditya, First Floor,Sri Mukha Complex, Dwaraka Nagar Main Road-530016. Tel : 0891-3249509, 3249505. WAYANAD : Ajith Kumar V H, 2nd Floor, Ammus Shopping Complex, Near Ananthaveera Theatre, Kalpetta-673121. Tel: 04936-340555,319933. Shiju N P, 1st Floor, Delta Complex, Above Arya Bakery, Calicut Road, Mananthavady-670 645. Tel : 04935-329511, 329522. Prasanth K D, City Tower ,2nd Floor ,Gandhi Junction,Near Hdfc Bank,Sultan Bathery-673592. Tel: 04936-319966, 319988. AGRA : SECURITIES LTD,F- 8 & 9, Ist Floor, Block No.- E16/8, Kailash Tower, Sanjay Place - 282 002,,Tel:0562- 3013142. AHMEDABAD: RELIGARE SECURITIES LTD, 201,202,203,2nd floor,Dev Complex, Opp Parimal Garden, C.G. Road-380006 ,Tel:9727746713. AHMEDNAGAR :RELIGARE SECURITIES LTD,Shop No. 5, 6, 7 & 8 Himalaya Towers, Savedi Road - RELIGARE SECURITIES LIMITED 414 001, Tel:9371977618 & 0241-2425537 . ALIGARH : RELIGARE SECURITIES LTD,1st Floor, Center Point Market, Samad Road-202001.,Tel: +91 571 6671327 / 6671317, M: 09568112345. ALLHABAD : RELIGARE SECURITIES LTD,C/o Brij Ford, 2, S.P. Marg, Civil Lines, Allahbad,Tel: 0532- 2560257. AMRITSAR : RELIGARE SECURITIES LTD, Ist Floor, Nagpal Towers II, SCO-44, Distt. Shopping Center, Ranjeet Avenue, Amritsar- 143 001.Tel:0183- 6612322. AURANGABAD : RELIGARE SECURITIES LTD, 1 st Floor, Bhaskar Meridian, Opp. Swatantra Sainik Colony, Nageshwarwadi- 431 001,Tel:9860666571 & 0240-6645200. BANGALORE : RELIGARE SECURITIES LTD, 4th floor, Almas Centre No. 87, Mahatma Gandhi Road-560 001,Tel:080 – 40117100. RELIGARE SECURITIES LTD, No 147, EmeraldTowers, 5th Main, 5th Block,Koramangala -560095,Tel:080-41702028/29. BHOPAL : RELIGARE SECURITIES LTD, Ranjit Tower, Ist Floor, Plot No. - 8, M.P. Nagar, Zone - 2, - 462 011,Tel:0755- 4087701/ 02. BHUBANESHWAR : RELIGARE SECURITIES LTD,Plot No - 24 , SCR Bapu Ji Nagar , Janpath - 751009,Tel:’+06122200485 ,+919534397239. BILASPUR: RELIGARE SECURITIES LTD,Room No:502, V.r.plazaNear Srikant Verma MargLink Road,bilaspur - Chhatisgarh-492501 ,Tel:993094986. CHANDIGARH : RELIGARE SECURITIES LTD, SCO - 56-58, Sector - 9 - D, Madhya Marg - 160 009. Tel:0172- 4681422. RELIGARE SECURITIES LTD, SCO 56 - 58 2nd Floor Sector 9 D, Tel:’911244181818, +9196466683077. CHENNAI : RELIGARE SECURITIES LTD, 4th floor, City Tower, No. 117, Theagaraya Road, T. Nagar-600017. Tel:’+9144_43546592, +919176643314. COIMBATORE : RELIGARE SECURITIES LTD, Gowtham Centre, No. 14 , 2nd Floor, 1055 / 22, Avinashi Road, - 641 018 ,Tel:422-4200601,602,4369604 /9994857779. DEHRADUN : RELIGARE SECURITIES LTD,303, IInd Floor, Laxmi Chambers, 69, Rajpur Road, Opp. Meddo Plaza, Dehradun (U.P.) ,Tel:0135- 2740093/96- 3202050. GANDHIDHAM : RELIGARE SECURITIES LTD, 1st Floor , Khalsa Avenue , Sector - 1/A Plot No 210, Kutcha Kala Road , Gandhi Dham- 270201 ,Tel:02812466570-73. GOA : RELIGARE SECURITIES LTD, Shop No.1 and 2, Vasant arcade, Comba, Margaon - 403 601,Tel:0832 - 2702817, 2706250, 2705146. GUWAHATI : RELIGARE SECURITIES LTD,4th Floor, Ram Kumar Plaza, Chatribari Road, Near Himatsingka Petrol Pump - 781 001, Tel:0361 - 2630772, 771, 2134039-40 – 09954499752. HISSAR :RELIGARE SECURITIES LTD,SCF - 8, Red Square Market, HUDA Commercial Estate No. - 1, Hissar - 125 001,Tel:01662- 282503/ 4/ 5/ 6. HUBLI : RELIGARE SECURITIES LTD, Shop No-4, Pacific Plaza, Vivekanand Hospital Road, Deshpande Nagar, Hubli-580029 ,Tel:0836-4265405-5403-02/944917443/9611131294. HYDERABAD : RELIGARE SECURITIES LTD, Cauvery City Plaza, IInd Floor|| Sunder Nagar -250038,Tel:040-40144925. RELIGARE SECURITIES LTD, 2nd Floor,7-1-59/2&59/ 6, Mandhana Towers,Ameerpet - 500 016. ,Tel:040-40180612, M: +91 9346279301,9849665234 . INDORE : RELIGARE SECURITIES LTD, Mazznine Floor, Sterling Tower, 2 , M.G. Road - 452001,Tel:0731- 4254507/ 08. JABALPUR: RELIGARE SECURITIES LTD,Ground Floor, 1627, Shastri Bridge Chowk, Napier Town- 482 001. Tel:0761- 4083972. JAIPUR : RELIGARE SECURITIES LTD,No.501& 605, 5th & 6th floor Luhadia Tower, K-11, Ashok Marg Near Ahinsa Circle, C Scheme-302001,Tel:01414066023 ,+919982688444. JALANDHAR: RELIGARE SECURITIES LTD,Gobind Niwas, 2nd Floor, 36 GT Road- 144 001,Tel:0181- 5061885/ 886/ 887.JODHPUR : RELIGARE SECURITIES LTD,644, 3rd Floor, Near Manidhari Hospital, Residency Road - 342 003,Tel:0291- 3041786. KANPUR : RELIGARE SECURITIES LTD, 1, Ground Floor, Kan Chabmers, 14/13, Civil Lines - 208 001,Tel:0512-3019106. KOCHI : RELIGARE SECURITIES LTD, 35/65-D,3rd Floor, Thadikaran Centre, Palarivattom-682025. ,Tel:+914954025771 +919349791773. RELIGARE SECURITIES LTD, 35/65-D,3rd Floor,Thadikaran Centre, Palarivattom, Ernakulam – 682 025,Tel:0484-4040548. KOLHAPUR : RELIGARE SECURITIES LTD,C-3, 1st Floor, Royal Prestige, E-Ward, Sykes Extension - 416 007,Tel:9561081880 / 9822652484. KOLKATA : RELIGARE SECURITIES LTD, Unit No. 410, North Block, 4th Floor, Ideal Plaza, 11/1,Sarat Bose Road – 700020.,Tel:03344010946,03344010933 ,09831831241. KOTA : RELIGARE SECURITIES LTD,D-8, Unit No.- 104-105, Shriram Complex, Opp. Multipurpose School, Gumanpura, ,Tel : 9414184841. LUCKNOW : RELIGARE SECURITIES LTD, GROUND FLOOR, RIZ Building, 5 Park Road-226001,Tel:9935344009. LUDHIANA : RELIGARE SECURITIES LTD, SCO.16-17,4th Floor, Fortune Chambers, Feroze Gandhi Market-141001,Tel:0161- 4691428. MADURAI: RELIGARE SECURITIES LTD,16/17, North Veli Street, C - 2, A R Plaza, III Floor - 622501,Tel:9940185524 Fixed Line: +91 0452 4372115 Extn: 1600. MORADABAD : RELIGARE SECURITIES LTD, Chadha shopping Complex, IInd Floor, GMD Road - 244 001,Tel: 9358141476. MUMBAI : RELIGARE SECURITIES LTD, 301/ 302, Viraj Tower, Gundavali, Western Express Hightway,Near landmark building, Andheri (East) - 400 093 ,Tel:022-67288000. MYSORE : RELIGARE SECURITIES LTD, No 5 & 12, Vishwamanva Double Road, Saraswathipuram-570009.,Tel 821 4001170 /4000169. NAGPUR : RELIGARE SECURITIES LTD, Jain House Opp Patwardhan High School,Near Mahabir Motors , Sitabuldi –440012, ,Tel:9923391430/ 9373736461. NEW DELHI : RELIGARE SECURITIES LTD,G - 16, Marina Arcade, Opp. Shivaji Stedium, Connaught Place - 110 001,Tel:011-6615 4195, M: 99990 39806 011- 49007900 . NOIDA : RELIGARE SECURITIES LTD, Plot No. 11, A3,A4,A5,GYS Global,Sector - 125, - 201 303. Tel: +91-120-3394178, M: +91 9999512299. PATNA : RELIGARE SECURITIES LTD, 101,Lok Nayak Jay Prakash Bhawan,1st Floor,Dak Bunglow Crossing-800001.,Tel :9771431894. PUNE : RELIGARE SECURITIES LTD, Office No.9, Kamla Cross Road, The Jewel of Pimpri, Opp.PCMC Building, Mumbai - Pune Road, Pimpri – 411 018 ,Tel:020-40711602, 8806663878 . RELIGARE SECURITIES LTD, Vascon Matrix, Ground Floor, Near Shoppers Stop,Wakdewadi,Shivaji Nagar-411005,Tel: 91 020-30240342. RAIPUR : RELIGARE SECURITIES LTD, 1st Floor, Nagvev Plaza,Opp.Ho,Tel Satluj, Jail Road –492001.,Tel:9993094983. RANCHI : RELIGARE SECURITIES LTD, 2nd Floor,Shop No-39,40.41,GEL CHURCH COMPLEX,Main Road. -01 ,Tel:9334452400 SURAT : RELIGARE SECURITIES LTD, 307, 3rd floor 21ST Century building, Nr, World Trade Centre, Near, Udhna Darwaja. Ring Road-392503. Tel:9825706168 /0261-2344112. UDAIPUR: RELIGARE SECURITIES LTD, 405-409, HG - 1, D Hajareshwar Colony, Opp. Hanumaan Temple, Court Road - 313 001,Tel:0294- 2419924/25 /26. VADODARA : RELIGARE SECURITIES LTD, 3rd Floor, Corner Square, B/S west Side Near Natu Bhai Circle, Race Course Circle-390007.Tel:’919558816823. RELIGARE SECURITIES LTD, 3rd Floor,Corner Square,B/S West Side,Near Natubhai Circle,Race Course Circle,Baroda -390 007. ,Tel: +91-0265-2390838/39/40 /0265 - 3068600 TO 607. VARANASI: RELIGARE SECURITIES LTD, D-64 / 127, Lower Ground Floor, C-H, Arihant Complex, Sigra - 220 010.,Tel:0542- 3052053 Agra :- Ltd,F-2, First Floor, Friends Trade Center, Nehru Nagar, Opp.Anjana Cinema, M.G.Marg,-282002.(U.P.), T-0562- 4032053,Ahmedabad :- Sharekhan Ltd,201/202/301,Dynamic House,Near Vijay Cross Road,Navrangpura,380009 , T-079 – 66060141,Allahabad :- Sharekhan Ltd,1st Floor, Shop No.14 & 15, Vashishti Vinayak Tower, Nr Yatrik Hotel, Tashkant Marg, Civil SHAREKHAN LIMITED Lines, Allahabad-211 003. (U.P.) , T-0532 - 2260 848,Amritsar :- Sharekhan Ltd,5 Deep Complex, 1st floor , Opp Doaba Automobiles,Court Road, 143001 , T-0183 - 6451903 – 905,Anand :- Sharekhan Ltd,F-5 Prathna Vihar,Anand Vidya Nagar Road,388001.,T-02692-245614-16,Aurangabad :- Sharekhan Ltd,Mezanine floor, Abish tower, Baba Petrol Pump compound, Mahavir Chowk,431001,T-9923750078,Bangalore :- Sharekhan Ltd,#2307, Swanlines Building, 12th Main Road, Jayanagar 3rd Block East, 560011 , T-080 – 42876666,Bareilly :- Sharekhan Ltd,148 Civil Lines,243001,(U.P.) , T-O581-2510922 /925,Bharuch :- Sharekhan Ltd,221-227 2nd Floor,Dream Land Plazza,Opp Nagar Palika,Station Road,392001 , T-02642 244998 / 99,Bhavnagar :- Sharekhan Ltd,Gangotri Plaza, 8A 3rd Floor , Opp Dakshinamurti School , Waghawadi Road,364002. , T-0278 - 2573938-39,Bhopal :- Sharekhan Ltd,Shop No. 114,115 & 116, 1st Floor, Plot No. 2, Akansha Parisar, Zone-1, M.P. Nagar, 462011 , T-0755 – 4291600, Bhubaneshwar :- Sharekhan Ltd,A/B-2nd Floor, 501/1741, Centre Point, Unit No.3, Kharvel Nagar, 751001,T-2380996, Calicut :- Sharekhan Ltd,1st Floor, 6/1002 F, City Mall, Opp. YMCA, Kannur Road, 673001, , T- 0495 - 4014060-64,Chandigarh :- Sharekhan Ltd,SCO : 185,1st Floor, Sector 38-C, 160036 (Punjab) , T-0172- 4643000,Chennai :- Sharekhan Ltd,G-2,Salzburg Square,107-Harrington Road, Chetpet,600031 , T-28362800,Coimbatore :- Sharekhan Ltd,Vignesvar Cresta,2nd Block 3rd Floor,1095-Avinashi Road,P N Palayam,641037 , T-0422-2218252,Dehradun :- Sharekhan Ltd,75/8, Rajpur Road, Near Raj Plaza, Opposite SBI Life Insurance,248001 T-2740 90-94,Gandhidham :- Sharekhan Ltd,Plot No.147, Sector 1 A, Near Big Byte Resturant, Gandhidham –37020 , T-02836 – 323113,Ghaziabad :- Sharekhan Ltd,F.F., 7A, Mahaluxmi Metro Tower, C-1/C-2, Sector-4, Vaishali, 201012 ,T-9911695764,Gurgaon :- Sharekhan Ltd,GF 10 JMD Regent Square,DLF Phase II,Near Chakarpur Opp Sahara Mall,Main Mehrauli Gurgaon Road,122001 , T-0124 – 4104555-7,Guwahati :- Sharekhan Ltd,Bhagwati Commercials, 2nd Floor, Sikaria Compound, Opp. Hotel Pragati Manor, Christianbasti, G S Road,781005 , T-9957562519,Gwalior :- Sharekhan Ltd,Portion No.3, 1st Floor, Parimal Complex, Opp.Kotchar Petrol Pump, Chetakpuri Square, Madavrao Scindhia Marg,-474 009 (M.P.) , T-0751-4069570 -73,Hyderabad :- Sharekhan Ltd,7-1-22/3/1-5/C,Afzia Towers,1st Floor,Begumpet, 500016 , T-040 - 66827469-70,Indore :- Sharekhan Ltd,102-104 Darshan Mall,15/2 Race Course Road,452001 , T-0731 - 4205520 – 24,Jabalpur :- Sharekhan Ltd,2nd Floor, Mangalam Building, 103, Napier Town, Shastri Bridge Road, 482001 , T-0761-5007775 ,Jaipur :- Sharekhan Ltd,Flat No 401/402, 4th Floor, Green House,Ashok Marg, C-scheme,302001 , T-0141-4078000,Sharekhan Ltd,7 Katewa Bhawan,Opp Ganpati Plaza,M. I. Road,302001 , T-0141-5114137-38,Jamnagar :- Sharekhan Ltd,4/5, Avantika Commercial Complex, 2nd Floor, Limda Lane Corner, 361 001. , T-0288 2541861, Jamshedpur :- Sharekhan Ltd,UG, 2&3 Shreeji Arcade, 76B, Pennar Road, Sakchi,831001. , T-0657-6552009,Jodhpur :- Sharekhan Ltd,A-3 1st Floor,Olympic Tower,Station Road,342001, T- 2635600, Junagadh :- Sharekhan Ltd,6/7/8, 2nd Floor, Raiji Nagar, Shoping center, Above Axis Bank, Motibaug, Road, 362001 , T-0285-2674020,Kannur :- Sharekhan Ltd,Ramananda Compound, Near AKG Hospital, 1st Floor, TPN 264 A, N.H 17,Talap, 670002 , T-0497 – 6451515,Kochi :- Sharekhan Ltd,Chicago Plaza, 1st Floor, Rajaji Road, Ernakulam, Kochi-682 035 , T-2368411,Kolhapur :- Sharekhan Ltd,Office No 5, 3rd Floor, Ayodhya Tower, C S Number 511/KH, 1/2 E Ward, Dhabolkar Corner, 416001 , T-0231 - 6687063 – 69,Kolkata :- Sharekhan Ltd,Kankaria Estate,1st Floor, 6-Little Russell Street, 700 071. , T-033 – 22830055,Lucknow :- Sharekhan Ltd,2/159, Vivek Khand, Gomti Nagar, 226010 , T-4101693, Sharekhan Ltd,1st Floor Marie Gold, 4 Shahnajaf Road,Hazratganj,,226 001 , T-0522 – 4010342, Ludhiana :- Sharekhan Ltd,SCO 145 1st Floor Feroze Gandhi Market, Near , 141001. , T-0161-5023456,Madurai :- Sharekhan Ltd,Saran Centre A-2, 1st Floore, 19, Gokhale Road, Chinnachokikulam, 625 002 , T-0452 – 4288888 ,Mangalore :- Sharekhan Ltd,Sharekhan, C-1, 1st Floor, Presidium Commercial Complex, Anand Shetty Circle, Attavar, 575001 , T-0824 – 6451503,Sharekhan Ltd,T-1 3rd Floor,Utility Royal Tower,K S Rao Road,575001 , T- 2441318,Mumbai :- Sharekhan Ltd,1st floor, Hamam House, Hamam Street, Fort , 400 023 , T-022- 6610 5600 - 15 , Sharekhan Ltd,703, Prem Sagar Building , 1st Floor , 3 A Linking Road , Khar (w), 400 052 , T-022- 6513 5333,Sharekhan Ltd,202,Sai Plaza 2nd Floor,Junction of Jawahar Road R. B. Mehta Road,Opp. Ghatkopar Railway Station,Ghatkopar (East),400 077 , T-022- 2501 1833,Sharekhan Ltd,Gogate Mansion,Ground Floor 89-Jagannath Shankar Seth Road,Girgaum,Opera House,400004 , T-022 66105671 – 77,Sharekhan Ltd,B/204, Kotia Nirman, 2nd Floor, Next to Fun Republic Cinema,New Link Road, Andheri (W), 400 053. , T-022- 6675 0755,Sharekhan Ltd, 20;Rajabahadhur,Mansion, 1st 5g,2nd,floor Hamam street,Fort,400023 , T-022 66105691,Sharekhan Ltd,Shop No.10, Om Sai Ratna Rajul Co-Op.Hsg. Society, Corner of Patel Nagar, M G Road, Kandivali(W), 400 067 , T- 28090509, Sharekhan Ltd,Flat No. 4B, Ground Floor, Ashwin Villa,Telang Road, Matunga (E), 400019 , T-022 65139230-32,Sharekhan Ltd,Shop No.1,Hetal Building,Ground floor,Opp.Punjab National Bank, Zaver Road,Mulund (West), 400080 , T-022 – 2565 6805,Sharekhan Ltd,108, 1st Floor, Persipolis Bldg., Above Titan Showroom, Opp.St.Lawrence School, Sector-17, Vashi, Navi Mumbai-400703 , T-022 - 27882979/80,Sharekhan Ltd,2, New Sarvodaya CHS, Gr. Floor, Sarojini Road, Near Angithi Restaurant, Vile Parle West, 400 056 , T-26143000, 65139210,Sharekhan Ltd,Shankar Ashish Bldg, 1st Floor, R.S.Marg, Chandavarkar Cross Road lane, Above HDFC Home Loans, Near ICICI Bank,Borivali (W), 400 092 , T-022- 6513 1221,Sharekhan Ltd,502, Rishikesh Apartment, Opp to N L High School,Above Sapna Hotel, S.V.Road, Malad (West), 400064 , T-020- 6513 3967 -69, Sharekhan Ltd,301 & 302, 3rd Floor, Manibhuvan Co-op Hsg Soc.Ltd., Plot No.343, Above ICICI Bank, S.V.Road, Pahadi Village, Goregaon(W), 400 062 , T-022-67418570, Thane :- Sharekhan Ltd,2nd Floor, Gulmohar Tower, Mahatma Phule Road, Opp.A.K.Joshi High School. Naupada, 400 602. , T-022- 2537 2158-61,Sharekhan Limited, 10th Floor, Beta Building, Lodha iThink Techno Campus,Opp. Kanjurmarg Railwaystation,Kanjurmarg (Et), Mumbai – 400 042,Tel :- 022 6116 9179,,Mysore :- Sharekhan Ltd,Shop No.3,Mythri Arcade,(Next to Saraswathi Theatre), Kantharaj Urs Road,Chamaraja Mohalla,Saraswati Puram, -570009 , T-6451601,Nagpur :- Sharekhan Ltd,Plot No. 79, 1st Floor, Universal Annex, Dharampeth Extension, Opposite New Wockhardt Hospital, Shivaji Nagar,440010. , T-0712 - 6654100-19,Sharekhan Ltd,409/412, Heera Plaza, Near Telephone Exchange Square, Central Avenue,440 008 , T-0712-2731922-25,Nashik :- Sharekhan Ltd,5 SK Open Mall, Yeolekar Mala, Near BYK Collage, Collage Road,422005 , T-0253 – 6610975,Navsari :- Sharekhan Ltd,1-Nirmal Complex,1st Floor,Station Road,396445 , T-02637 – 652300,New Delhi :- Sharekhan Ltd,39, First Floor, Samyak Tower, Near Metro Pillor No. 120, Pusa Road,110005 , T-011-45117000,Noida :- Sharekhan Ltd,P-12A, 3rd Floor, BHS Liberty, Sector-18, 201 301 , T-0120 – 4646200,Panjim :- Sharekhan Ltd,F49/F50, 1st Floor, ‘B’ Block, Alfran Plaza, M.G. Road, Panaji, Goa - 403001 , T-0832- 2421460,Patna :- Sharekhan Ltd,406-407 B,Ashiana Plaza,Budh Marg,800001 , T-0612-2213112-16,Pune :- Sharekhan Ltd,301, Millenium Plaza, 3rd Floor, Opp Fergusson College main Gate, Fergusson College Road,Shivaji Nagar, Pune-411 004. , T-020 – 66021301,Raipur :- Sharekhan Ltd,2nd Floor, Laxmi Bhawan, opposite sun & sun jewelers, Main Road Sadar Bazaar 492001 , T-0771- 4217777, Sharekhan Ltd,1-Deshbandhu Complex,1st Floor,Ramsagar Para,492001 , T-0771-5033229,Rajkot :- Sharekhan Ltd,102/103,Hem Arcade,Opp Vivekanand Statue,Dr Yagnik Road,360001 , T- 0281-2482483,Ranchi :- Sharekhan Ltd,Shree Gopal Complex,4th Floor,Room No I,Court Road,834001 , T-0651-2208205,Salem :- Sharekhan Ltd,Sri Ganesh Tower,561,2nd Floor,Saradha College Main Road,Salem - 636007 , T-0427 – 6454864,Siliguri :- Sharekhan Ltd,2nd Floor, Ganeshayan Building,112,Sevoke Road, Beside Sunflower Shopping Mall, 734001 , T-0353 - 6453475 -79,Surat :- Sharekhan Ltd,M-1 to 6,Jolly Plaza, Mezzanine Floor, Athwa Gate,395 001 , T-0261 – 6560310,Trichy :- Sharekhan Ltd,F-1 Achyuta,111-Bharatidasan Salai,Cantonment,Trichy,620001 , T-0431 – 4000705, Trivandrum :- Sharekhan Ltd,Laxmi Bldg.,1st Floor, T.C.No.26/430, Vanrose Road, 695039,(Kerala) , T-0471 – 6450657,Udaipur :- Sharekhan Ltd,17 C Kutumb Apartment, Opp. ICICI Bank,Madhuban, 313001 , T-0294-6454647,Vadodara :- Sharekhan Ltd,6-8/12,Sakar Complex,1st Floor,Opp ABS Tower,Haribhakti Extension,Old Padra Road,Vadodara-390015 , T-0265 – 2322938,Vijaywada :- Sharekhan Ltd,Centurian Plaza, D. No: 40-1-129, 2nd floor, Old coolex Building, M.G. Road, 520 010 , T-0866-6629993, Vishakhapatnam :- Sharekhan Ltd,10-1-35/B, Third floor, Parvathaneni House, ValTair uplands, CBM Compounds,530003 , T-0891 – 6673000. Agra : F- 4, Block No 35, Surya Kiran Building Near Metro Bar Sanjay Place Agra Ph no 7520787708 , Ahmedabad: 3rd Floor, Sun City House, Besides Pantaloon, Opp Kotak Bank, MithaKhali Six Road, Ahmedabad - 380009. Ph no 9427181917; 10-A, Kalapurnam,C G Road ,Near Municipal Market, Ahmedabad 380003 Ph no 9825612323 Bangalore: SMC GLOBAL SECURITIES LIMITED Premises # 7,8,9,10,Ground floor,Gold Tower,#50(old # 98),Residency Road,Bangalore – 560025 Ph no 09739112254 Bhavnagar: NO. 113, Ist Floor, Shopper’s Plaza,Waghavadi Road , Bhavnagar ,Gujarat - 364001 Ph no 9377621422 Bhopal : 313, IInd Floor Jyoti Complex M P Nagar, Zone-I Bhopal – 462011 Ph. No.-07828988899 Bhubaneswar ; HOUSE NO.5, JANPATH, UNIT-3,BHUBANESWAR ,ORRISA 751007 Ph no 9338568767 Chennai: 2nd Floor, ‘A’ Mookambika Complex,No.4, Lady Desikachari Road, Mylapore, Chennai – 600004 Dehradun : 7,8,9&10 shiva palace, second floor, rajpur road Dehradun 248001 Ph no 9368572105 Faridabad: 4th Floor Crown Plaza, Main Mathura Road Sec 15 A, FARIDABAD Pin 121002 Ph no 9811890747, Ghaziabad: A-11 Hans Plaza, Shop NO. 303,304,305 & 314, 3rd Floor, Ambedkar Road, Ghaziabad U.P.-201001 Ph no 9312675903 Hissar : Mago Securities Ltd 104, SCF Gram, 1st Floor Green Square Market Hissar Ph no 09416023332 Hyderabad/Secund’Bad : 206, 3rd floor Bhuvana Towers, Above CMR Exclusive, S D Road SECUNDERABAD, 500003 Ph no 9347453777 Indore : 206,Gold Arcade 3/1 New Palasia Opp Curewell hospital, Indore, M P Ph no 9826062666 Jaipur : 401, fourth Floor Shyam Anukampa Opp HDFCBANK Ashok Marg C scheme Jaipur Ph no 9929644402 Jammu: 10 -A , North Block,Bahu Plaza,Jammu,180001 Ph no 9419191091 Jamshedpur : K2-L1 TIWARY BECHER COMPLEX,P.O. BISTUPUR ,JAMSHEDPUR 831001 Ph no 9934399678 Jodhpur: 201, Poonam Complex, III-C Road, Sardapura, Jodhpur, Rajasthan 342 003 Ph no 9314712688 Kanpur : SPFL House 15/63 Civil Lines Near D A V Degree College Kanpur Ph no 9336836894 , 15/240 - I, CIVIL LINES, KANPUR, 208001 Ph no 9936449444 Kolkata : 18,RABINDRA SARANI PODDER COURT GATE NO 4, 5th FLOOR KOLKATTA -700001 Ph no 09933664479 Kota : 4-a-6 Talwandi Kota Rajasthan Ph no 09829116982 Lucknow: Radha Krishna Bhawan, Plot No. 3/A, 5 Park Road, Lucknow Ph no 9839826932 Meerut : C/O KSB CAPITAL SERVICES LTD SHOP NO-1,FIRST FLOOR,HARI LAXMI ROAD,P K ROAD,CROSSING MEERUT Ph no 9837024084, KAVERI COMPLEX, P.L. SHARMA ROAD MEERUT Ph no 9837101412 Mumbai : 258,Perin Nariman Street First Floor Fort mumbai -400001 Ph no 09821111219 New Delhi : 17 , Netaji Subhash Marg, Opp. Golcha Cinema Daryaganj, New Delhi-110 002 Ph no 9818620470 , 6B, First Floor Himalaya House 23, K G Marg Connaught place New Delhi -110 001 Ph no 9958696929, Noida: 106-Ocean Plaza .P-5 SEC-18, NOIDA-201301 Ph no 9717000378 Pune: 1ST Floor, Dealing Chamber, J M Road, Pune, 411004 Ph no 9769345255 Patna: Frontline Financial Consultancy Pvt. Ltd. 209, 2nd Floor, Pandey Mall Above Vishal Mega Mart Fraser Road, PATNA , 800001 Ph no 9798981521 Rajkot : 302/B 3rd Floor, Shivalik - 5 | Makkam Chowk | Gondal Road. Rajkot -360 002 Ph: 8000903984 Agra Shop No. 9,10,11, Block No. 17/2/4, Friends Wasan Plaza, Sanjay Place Pin :282002. Gurgaon 409, 4th Floor, Qutab Plaza, DLF City, Pin :122002; Lucknow S-209, A Sky Hi Chamber, Saran chamber -2, Lane Park Road Pin :226001 New Delhi - Janak Puri 25 C-Block, Community Centre,Near Janak Cinema, Janak Puri Pin :110058 Ajmer 3/7, Kotawali Scheme, Khailand SPA SECURITIES LIMITED Market,P.R Marg Pin :305001 Jaipur Prime Plaza,, 26, Gopalbari,, Opp. Vidhayakpuri Police Station Pin :302001. Ludhiana SCO 126-127-128, Kalinga Towers, Below IDBI Bank, Feroze Gandhi Market Pin :141001. Noida - Sector-51 B-1 A/32, Sector - 51, Noida Pin :201301. Chandigarh 1st Floor, SCO - 307, Sector - 38-D, above bank of Maharathra, Chandigarh Pin :160036. Kanpur Office No 226A-226B, 2nd Floor, City Center, The Mall Pin :208001. Meerut - Abu Plaza J-260, 2nd Floor, Abu Plaza, Abu Lane, Meerut Pin :250001. Varanasi D-58 / 33-B-7, 1st Floor, Krishi Export Plaza, Sigra Pin :221010. Bangalore 703 & 704, 7th Floor, Brigade Tower, 135 Brigade Road Pin :560025. Chennai - T.Nagar D.No.2, 5th Floor, Phase-II, Kasi Arcade, No. 14, Sir Thyagaraya Road, T.Nagar Pin :600 017. Hyderabad No.-101, 6-3-1090/A/12, Manbhum Jade Towers, Rajbhavan Road, Fortune Katriya Lane, Somajiguda Pin :500082. Bhubaneswar Badal Niwas, 168-169A, 1st Floor (Above Havels), Bapuji Nagar, Bhubaneswar Pin :751009. Kolkata - Park Street Diamond Chambers, Block 1&2, Room No.8-O, 8th Floor, 4, Chowringhee Lane Pin :700016. Guwahati Mayur Gardens, Ground Floor, Opp. HDFC Bank, G.S. Road Pin :781005. Patna Room No: 301 A, 3rd Floor, Bhuwneshwar Plaza, Budha Marg, Near Buddha Plaza Pin :800001. Jamshedpur302, Shreeji Arcade, 76 B, Pennar Road, Sachi Pin :831001. Siliguri Opp. Sona Petro Pump, 3rd Mile, Sevoke Road, P.O. Salugara, Dist- Jalpaiguri Pin :734008. Ahmedabad 803, Shivalik Building, Near Central Mall, Near Panchwati Cross Road, Ambawadi Pin :380006. Mumbai - Mittal Court 101, 10th Floor,, Mittal Court, A Wing,, Nariman Point Pin :400021. Mumbai - Embassy Center 602, Embassy Centre, Nariman Point Pin :400021. Pune 5, Shankar Smruti, 2nd Floor,, Next to Kaka Halwai, Prabhat Rd Lane no. 9/3,, 39/25 Erandwana, Off Karve Road Pin :411004. Mumbai - Kala Nagar SPA House, Nyaysagar,, Opp. Gurunanak Hospital,, Kalanagar, Off B.K.C, Bandra (E), Pin :400051. SHCIL SERVICES LIMITED Mumbai :- SHCIL Services Limited, SHCIL House, Plot No. P-51, T.T.C. Industrial Area, MIDC, Mahape, Navi Mumbai - 400710, Tel No. + 91 22 61778600 / 22622713, Fax No. + 91 22 6177 8648. SHCIL Services Limited, 12/14, UTI Building, Bank Street, Cross lane, Near Old Custom House, Fort, Mumbai - 400023 MUTHOOT FINANCE LIMITED 3 IN THE NATURE OF FORM 2A - MEMORANDUM CONTAINING SALIENT FEATURES OF THE PROSPECTUS GENERAL INSTRUCTIONS Applicants are advised to read the Prospectus and the General Instructions contained in this application Act, the Company, at the request of the Applicants who wish to hold the NCDs post allotment in physical 28. Redemption Date : form carefully and to satisfy themselves of the disclosures before making an application for subscription. form, will fulfill such request through the process of rematerialisation. **The subscription list shall remain Option I NCDs will be redeemed at the expiry of 24 months from the Deemed Date of Allotment. Unless otherwise specified, all the terms used in this form have the same meaning as in the Prospectus. open at the commencement of banking hours and close at the close of banking hours for the period as Option II NCDs will be redeemed at the expiry of 36 months from the Deemed Date of Allotment. For a copy of the Prospectus the applicant may request us and/or the Lead Managers. Further, investors indicated, with an option for early closure or extension by such period, as may be decided by the duly are advised to retain the copy of the Prospectus/Abridged Prospectus for their future reference. Please fill authorised committee of the Board constituted by resolution of the Board dated July 25, 2011. In the event Option III NCDs will be redeemed at the expiry of 60 months from the Deemed Date of Allotment in the Form in English using BLOCK letters. Investors should carefully choose the Option(s) they wish to of such early closure of subscription list of the Issue, our Company shall ensure that notice of such early Option IV NCDs will be redeemed at the expiry of 66 months from the Deemed Date of Allotment. apply for. Please refer to Terms of the Issue in the Prospectus for details. closure is given on or before the day of such early date of closure through advertisement/s in a leading 29. Right to Reissue NCD(s) : Subject to the provisions of the Act, where we have fully redeemed or national daily newspaper. repurchased any NCD(s), we shall have and shall be deemed always to have had the right to keep such TERMS OF THE ISSUE 15. Interest and Payment of Interest : A. Interest : In case of Option I NCDs, interest would be paid annually NCDs in effect without extinguishment thereof, for the purpose of resale or reissue and in exercising such The NCDs being offered as part of the Issue are subject to the provisions of the Debt Regulations, the Act, at the following Coupon Rate in connection with the relevant categories of NCD holders, on the amount right, we shall have and be deemed always to have had the power to resell or reissue such NCDs either the Memorandum and Articles of Association of our Company, the terms of the Prospectus, the Application outstanding from time to time, commencing from the Deemed Date of Allotment of each Option I NCD: by reselling or reissuing the same NCDs or by issuing other NCDs in their place. The aforementioned right Forms, the terms and conditions of the Debenture Trust Agreement and the Debenture Trust Deed, other Category of NCD Holder Coupon Rate (%) per annum includes the right to reissue original NCDs. applicable statutory and/or regulatory requirements including those issued from time to time by SEBI/the 30. Transfer / Transmission of NCD (s) : For details please refer to the Prospectus. Government of India/BSE, RBI, and/or other statutory/regulatory authorities relating to the offer, issue and Category I 13.00 31. Security : The principal amount of the NCDs to be issued in terms of the Prospectus together with all listing of securities and any other documents that may be executed in connection with the NCDs. Category II 13.00 interest due on the NCDs, as well as all costs, charges, all fees, remuneration of Debenture Trustee and 1. Ranking of NCDs : The NCDs would constitute direct and secured obligations of ours and shall rank pari Category III 13.00 expenses payable in respect thereof shall be secured by way of first pari passu charge on the identified passu inter se, and subject to any obligations under applicable statutory and/or regulatory requirements, Category IV N/A immovable property and a first pari passu charge on current assets, book debts, loans and advances, and shall also, with regard to the amount invested, be secured by way of a first pari passu charge on the receivables including gold loan receivables, both present and future of the Company. Our Company will identified immovable property and first pari passu charge on current assets, book debts, loans and advances, Option I NCDs shall be redeemed at the Face Value thereof along with the interest accrued thereon, if maintain security in favour of the Debenture Trustee for the NCD holders on the assets to ensure 100% and receivables including gold loan receivables, both present and future. The NCDs comprising the any, at the end of 24 months from the Deemed Date of Allotment. In case of Option II NCDs, interest would security cover of the amount outstanding in respect of NCDs at any time. Our Company intends to enter present issue and all earlier issues of debentures outstanding in the books of the Company having be paid annually at the following Coupon Rate in connection with the relevant categories of NCD holders, into an agreement with the Debenture Trustee, (‘Debenture Trust Deed’), the terms of which will govern the corresponding assets as security, shall rank pari passu without preference of one over the other except that on the amount outstanding from time to time, commencing from the Deemed Date of Allotment of each appointment of the Debenture Trustee and the issue of the NCDs. Our Company proposes to complete priority for payment shall be as per applicable date of redemption. Option II NCD: the execution of the Debenture Trust Deed before finalisation of the Basis of Allotment in consultation 2. Debenture Redemption Reserve : Section 117C of the Act states that any company that intends to issue Category of NCD Holder Coupon Rate (%) per annum with the Designated Stock Exchange and utilize the funds only after the stipulated security has been debentures must create a DRR to which adequate amounts shall be credited out of the profits of the Category I 13.25 created. Under the terms of the Debenture Trust Deed, our Company will covenant with the Debenture company until the redemption of the debentures. For further details please refer to the Prospectus. Trustee that it will pay the NCD holders the principal amount on the NCDs on the relevant redemption date 3. Face Value : The face value of each NCD shall be ` 1,000. Category II 13.25 and also that it will pay the interest due on NCDs on the rate specified in the Prospectus and in the 4. NCD holder not a Shareholder : The NCD holders will not be entitled to any of the rights and privileges Category III 13.25 Debenture Trust Deed. The Debenture Trust Deed will also provide that our Company may withdraw any available to the equity and/or preference shareholders of our Company. Category IV 13.25 portion of the security and replace with another asset of the same or a higher value. 32. Trustees for the NCD holders : We have appointed IDBI Trusteeship Services Limited to act as the 5. Rights of NCD holders : The final rights of the NCD holders will be as per the terms of the Prospectus Option II NCDs shall be redeemed at the Face Value thereof along with the interest accrued thereon, if and the Debenture Trust Deed to be executed between our Company and the Debenture Trustee. For Debenture Trustees for the NCD holders. We and the Debenture Trustee will execute a Debenture Trust any, at the end of 36 months from the Deemed Date of Allotment. In case of Option III NCDs, interest would Deed, inter alia, specifying the powers, authorities and obligations of the Debenture Trustee and us. The further details please refer to the Prospectus. be paid annually at the following Coupon Rate in connection with the relevant categories of NCD holders, 6. Minimum Subscription : If our Company does not receive the minimum subscription of 75% of the Base NCD holder(s) shall, without further act or deed, be deemed to have irrevocably given their consent to the on the amount outstanding from time to time, commencing from the Deemed Date of Allotment of each Debenture Trustee or any of its agents or authorised officials to do all such acts, deeds, matters and things Issue, i.e. ` 1,875 million, prior to allotment, the entire subscription shall be refunded to the applicants Option III NCD: within 30 days from the date of closure of the Issue. If there is delay in the refund of subscription by more in respect of or relating to the NCDs as the Debenture Trustee may in its absolute discretion deem than 8 days after our Company becomes liable to refund the subscription amount, our Company will pay Category of NCD Holder Coupon Rate (%) per annum necessary or require to be done in the interest of the NCD holder(s). Any payment made by us to the Category I 13.25 Debenture Trustee on behalf of the NCD holder(s) shall discharge us pro tanto to the NCD holder(s). The interest for the delayed period, at rates prescribed under sub-sections (2) and (2A) of Section 73 of the Debenture Trustee will protect the interest of the NCD holders in the event of default by us in regard to Companies Act, 1956. Category II 13.25 timely payment of interest and repayment of principal and they will take necessary action at our cost. 7. Market Lot & Trading Lot : Under Section 68B of the Act, the NCDs shall be allotted only in dematerialized Category III 13.25 33. Lien : The Company shall have the right of set-off and lien, present as well as future on the moneys form. As per the Debt Regulations, the trading of the NCDs shall be in dematerialised form only. Since Category IV 13.25 due and payable to the NCD holder or deposits held in the account of the NCD holder, whether in single trading of the NCDs is in dematerialised form, the tradable lot is one NCD. Allotment in the Issue will be name or joint name, to the extent of all outstanding dues by the NCD holder to the Company. in electronic form in multiples of one NCD. For further details please refer to the Prospectus. Option III NCDs shall be redeemed at the Face Value thereof along with the interest accrued thereon, if 34. Lien on pledge of NCDs : The Company, at its discretion, may note a lien on pledge of NCDs if such 8. Nomination facility to NCD holder : In accordance with Section 109A of the Act, the sole NCD holder any, at the end of 60 months from the Deemed Date of Allotment. Option IV NCDs shall be redeemed pledge of NCD is accepted by any bank/institution for any loan provided to the NCD holder against pledge or first NCD holder, along with other joint NCD holders (being individual(s)) may nominate any one person at ` 2,000 per NCD, at the end of 66 months from the Deemed Date of Allotment, with an effective yield of such NCDs as part of the funding. (being an individual) who, in the event of death of the sole holder or all the joint-holders, as the case may of 13.43%. For further details please refer to the Prospectus. B. Payment of Interest : For NCDs subscribed 35. Interest on Application Money : Interest on application monies received which are used towards allotment be, shall become entitled to the NCD. For further details please refer to the Prospectus. under Option I, Option II and Option III, the relevant interest will be paid on each anniversary of the of NCDs : Our Company shall pay interest on application money on the amount allotted, subject to 9. Jurisdiction : Exclusive jurisdiction for the purpose of the Issue is with the competent courts of jurisdiction Deemed Date of Allotment on the face value of NCD. Amount of interest payable shall be rounded off deduction of income tax under the provisions of the Income Tax Act, 1961, as amended, as applicable, in Mumbai, India. to the nearest rupee. If the date of interest payment falls on a Saturday, Sunday or a public holiday in to any applicants to whom NCDs are allotted pursuant to the Issue from the date of realization of the 10. Application in the Issue : NCDs being issued through the Prospectus can be applied for in the Mumbai or any other payment centre notified in terms of the Negotiable Instruments Act, 1881, then cheque(s)/demand draft(s) or after 3 (three) days from the date of receipt of the application (being the date dematerialised form only through a valid Application Form filled in by the applicant along with attachment, interest as due and payable on such day, would be paid on the next Working Day. Payment of interest of presentation of each application as acknowledged by the Bankers to the Issue or the date of receipt of as applicable. would be subject to the deduction as prescribed in the I.T. Act or any statutory modification or re-enactment application by the Registrar to the Issue, as the case may be, or in the case of NRIs, the date of receipt 11. Period of Subscription : The subscription list shall remain open at the commencement of banking hours thereof for the time being in force. The last interest payment for NCDs subscribed under Option I, Option by the Registrar or the Bankers to the Issue of the physical application ore-mail containing the scanned and close at the close of banking hours for the period as indicated, with an option for early closure or II, and Option III will be made at the time of redemption of the NCD. Interest for each of the interest periods copy of the application whichever is earlier) whichever is later and upto one day prior to the Deemed Date extension by such period, as may be decided by the duly authorised committee of the Board constituted shall be calculated, on ‘actual/actual’ basis, on the face value of principal outstanding on the NCDs at of Allotment, at the rate of 13% p.a. Our Company has a right to pre-close the Issue at anytime up to 1 by resolution of the Board dated July 25, 2011. In the event of such early closure of subscription list of the the applicable Coupon Rate for each Category rounded off to the nearest Rupee and same shall be paid (one) day prior to Issue Closing Date for receiving subscription in the Issue. Our Company shall in the event Issue, our Company shall ensure that notice of such early closure is given on or before the day of such early annually. C. Payment of Interest to NCD Holders : Payment of Interest will be made to (i) in case of NCDs of such closing of the Issue, subject to receipt of a minimum subscription of 75% of the Base Issue, i.e. date of closure through advertisement/s in a leading national daily newspaper. in dematerialised form, the persons who for the time being appear in the register of beneficial owners of ` 1,875 million, allot NCDs to all applicants who have applied for NCDs upto the date of such early closure the NCD as per the Depository as on the Record Date and (ii) in case of NCDs in physical form, the persons of Issue. Further our Company shall pay interest on application money on the amount allotted, subject to ISSUE OPENS ON MARCH 02, 2012 whose names appear in the register of debenture holders (or to first holder in case of joint-holders) as on deduction of income tax under the provisions of the Income Tax Act, 1961, as amended, as applicable, to any applicants to whom NCDs are allotted pursuant to the Issue from the date of realization of the ISSUE CLOSES ON MARCH 17, 2012 the Record Date. We may enter into an arrangement with one or more banks in one or more cities for direct credit of interest to the account of the investors. In such cases, interest, on the interest payment date, would cheque(s)/demand draft(s) or after 3 (three) days from the date of receipt of the application (being the date 12. Restriction on transfer of NCDs : There are no restrictions on transfers and transmission of NCDs and on be directly credited to the account of those investors who have given their bank mandate. We may offer of presentation of each application as acknowledged by the Bankers to the Issue or the date of receipt of their consolidation/ splitting except as may be required under FEMA, RBI requirements, as provided in the facility of NECS, NEFT, RTGS, Direct Credit and any other method permitted by RBI and SEBI from application by the Registrar to the Issue, as the case may be, or in the case of NRIs, the date of receipt our Articles of Association, and other applicable laws. For further details please refer to the Prospectus. time to time to help NCD holders. The terms of this facility (including towns where this facility would be by the Registrar or the Bankers to the Issue of the physical application or e-mail containing the scanned 13. Issue and Allotment of NCDs to NRI applicants available) would be as prescribed by RBI. Further details please refer to the Prospectus. Tax exemption copy of the application, whichever is ealier) whichever is later and upto one day prior to the Deemed Date 1. We propose to issue Option II, Option III and Option IV NCDs to NRIs on a non-repatriable basis. 2. Our certificate/document, if any, must be lodged at the office of the Registrar at least 7(seven) days prior to of Allotment, at the rate of 13% p.a. However, it is clarified that in the event that our Company does not Company proposes to offer Option II, Option III and Option IV NCDs to applicants who are NRIs, in the Record Date or as specifically required, failing which tax applicable on interest will be deducted at receive a minimum subscription of 75% of the Base Issue, i.e. ` 1,875 million our Company will not allot accordance with the provisions of and subject to the restrictions contained in the Foreign Exchange any NCDs to applicants and refund the subscription amounts forthwith, as set out herein. The interest on source on accrual thereof in our Company’s books and/or on payment thereof, in accordance with the application monies will be sent along with the Allotment Advice to all applicants to whom NCDs are Management (Borrowing and Lending in Rupees) Regulations, 2000 and other applicable statutory and/ provisions of the IT Act and/or any other statutory modification, enactment or notification as the case may allotted pursuant to the Issue. Our Company may enter into an arrangement with one or more banks in or regulatory requirements. We confirm that: (a) the rate of interest on each Option II, Option III, and Option be. A tax deduction certificate will be issued for the amount of tax so deducted. one or more cities for direct credit of interest to the account of the applicants (NRO accounts for NRI IV NCDs, does not exceed the prime lending rate of the as on the date on which the 16. Maturity and Redemption : For NCDs subscribed under Option I, Option II and Option III, the relevant applicants) as mentioned in the depositary records. Alternatively, the interest warrant will be dispatched resolution approving the Issue was passed by our Board, 300 basis points; (b) the period for redemption interest will be paid on each anniversary of the Deemed Date of Allotment on the face value of NCD. The along with the Letter(s) of Allotment at the sole risk of the applicant, to the sole/first applicant. of Option II, Option III, and Option IV NCDs is not less than 36 months; (c) our Company does not and shall last interest payment will be made at the time of redemption of the NCD. Option IV NCDs shall be 36. Interest on application monies received which are liable to be refunded : Our Company shall pay interest not carry on agricultural /plantation /real estate business/Trading in Transferable Development Rights redeemed at ` 2,000 per NCD, at the end of 66 months from the Deemed Date of Allotment. on application money which is liable to be refunded to the applicants in accordance with the provisions (TDRs) and does not and shall not act as Nidhi or company; (d) our Company will file the Options Maturity period of the Debt Regulations and/or the Companies Act, or other applicable statutory and/or regulatory following with the nearest office of the RBI, not later than 30 days from the date: (i) of receipt of remittance I 24 months from the Deemed Date of Allotment requirements, subject to deduction of income tax under the provisions of the Income Tax Act, 1961, as of consideration received from NRIs in connection with the Issue, full details of the remittances received, amended, as applicable, from the date of realization of the cheque(s)/demand draft(s) or after 3 (three) namely; (A) a list containing names and addresses of each NRI applicant who have remitted funds for II 36 months from the Deemed Date of Allotment days from the date of receipt of the application (being the date of presentation of each application as investment in the NCDs on non-repatriation basis, (B) amount and date of receipt of remittance and its III 60 months from the Deemed Date of Allotment acknowledged by the Bankers to the Issue or the date of receipt of application by the Registrar to the Issue, rupee equivalent; and (C) names and addresses of authorised dealers through whom the remittance has IV 66 months from the Deemed Date of Allotment as the case may be, or in the case of NRIs, the date of receipt by the Registrar or the Bankers to the Issue been received; and (ii) of closure of the Issue, full details of the monies received from NRI applicants, of the physical application or e-mail containing the scanned copy of the application, whichever is earlier) namely; (A) a list containing names and addresses of each NRI allottee and number of NCDs issued to 17. Deemed Date of Allotment : Deemed date of allotment shall be the date as decided by the duly whichever is later and upto one day prior to the Deemed Date of Allotment, at the rate of 13%per annum. each of them on non-repatriation basis, and (B) a certificate from our company secretary that all provisions authorised committee of the Board of Directors constituted by resolution of the Board dated July 25, 2011, Such interest shall be paid along with the monies liable to be refunded. Interest warrant will be dispatched of the FEMA Act, and rules and regulations made thereunder in connection with the issue of non convertible under Section 292(1)(b) of the Act and as mentioned in the Allotment advice / regret. / credited (in case of electronic payment) to the account of the applicants as mentioned in the depositary debentures have been duly complied with. (e) Allotment of Option II, Option III and Option IV NCDs on 18. Application Size : Each application should be for a minimum of 5NCDs and multiples of 1 NCD records along with the Letter(s) of Refund at the sole risk of the applicant, to the sole/first applicant. In the a non-repatriation basis to NRIs shall be subject to the application monies paid by the NRI being received thereafter. The minimum application size for each application for NCDs would be ` 5,000 and in multiples event our Company does not receive a minimum subscription of 75% of the Base Issue, i.e. ` 1,875 million either by remittance from outside India through normal banking channels or by transfer of funds held in of ` 1,000 thereafter. Applicants (other that NRI applicants) can apply for any or all options of NCDs on the date of closure of the Issue, our Company shall pay interest on application money which is liable the investor’s Non-resident Ordinary (NRO) account or Non-resident External (NRE) account maintained offered hereunder (any/all options) using the same Application Form. NRI applicants can apply only for to be refunded to the applicants in accordance with the provisions of the Debt Regulations and/or the with an authorised dealer or an authorised bank in India. We further confirm that the monies received from Options II, III and IV. Applications by NRIs must be made in the prescribed Application Form - NRI only. Companies Act, or other applicable statutory and/or regulatory requirements, subject to deduction of NRIs who are allotted NCDs pursuant to the Issue, will not be utilised for any investment, whether by way Applicants are advised to ensure that applications made by them do not exceed the investment limits or income tax under the provisions of the Income Tax Act, 1961, as amended, as applicable, from the date of capital or otherwise, in any company or partnership firm or proprietorship concern or any entity, whether maximum number of NCDs that can be held by them under applicable statutory and or regulatory provisions. of realization of the cheque(s)/demand draft(s) or 3 (three) days from the date of receipt of the application incorporated or not, or for the purpose of re-lending. For further details please refer to the Prospectus. 19. Terms of Payment : The entire issue price of ` 1,000 per NCD is payable on application itself. In case (being the date of presentation of each application to the Bankers to the Issue as acknowledged or the ISSUE STRUCTURE of allotment of lesser number of NCDs than the number of NCDs applied for, our Company shall refund date of receipt of application by the Registrar to the Issue, as the case may be, or in the case of NRIs, the 14. Public Issue of NCDs aggregating upto ` 2,500 million with an option to retain over-subscription upto the excess amount paid on application to the applicant in accordance with the terms of the Prospectus. date of receipt by the Registrar or the Bankers to the Issue of the physical application or e-mail containing ` 2,500 million for issuance of additional NCDs aggregating to a total of upto ` 5,000 million. The key common For further details please refer to the Prospectus. the scanned copy of the application, whichever is earlier) whichever is later and upto the date of closure terms and conditions of the NCDs are as follows: Particulars, Terms and Conditions - Minimum Application 20. Record Date : The Record Date for payment of interest in connection with the NCDs or repayment of of the Issue at the rate of 13% per annum. Such interest shall be paid along with the monies liable to be principal in connection therewith shall be 15 (fifteen) days prior to the date on which interest is due and refunded. Interest warrant will be dispatched / credited (in case of electronic payment) to the account of Size, ` 5,000 (5 NCDs) (for all options of NCDs, namely Options I, Option II, Option III, and Option IV either the applicants (NRO accounts for NRI applicants), as mentioned in the depositary records along with the taken individually or collectively) Mode of allotment, Compulsorily in dematerialised form* Terms of Payment, payable, and/or the date of redemption. Provided that trading in the NCDs shall remain suspended between the aforementioned Record Date in connection with redemption of NCDs and the date of Letter(s) of Refund at the sole risk of the applicant, to the sole/first applicant. Provided that, notwithstanding Full amount on application Trading Lot 1 (one) NCD Who can Apply Category I •Public Financial Institutions, anything contained hereinabove, our Company shall not be liable to pay any interest on monies liable Statutory Corporations, Commercial Banks, Co-operative Banks and Regional Rural Banks, which are redemption or as prescribed by the relevant stock exchange(s), as the case may be. 21. Manner of Payment of Interest / Refund / Redemption : The manner of payment of interest / refund / to be refunded in case of (a) invalid applications or applications liable to be rejected, and/or (b) applications authorised to invest in the NCDs;• Provident Funds, Pension Funds, Superannuation Funds and Gratuity which are withdrawn by the applicant, and/or (c) monies paid in excess of the amount of NCDs applied Fund, which are authorised to invest in the NCDs; • Venture Capital funds registered with SEBI;• Insurance redemption in connection with the NCDs is set out below: For NCDs applied / held in electronic form : The bank details will be obtained from the Depositories for payment of Interest / refund / redemption as the for in the Application Form. For further details please refer to the Prospectus. Companies registered with the IRDA; • National Investment Fund; and • Mutual Funds Category II • ISSUE PROCEDURE Companies; bodies corporate and societies registered under the applicable laws in India and authorised case may be. Applicants who have applied for or are holding the NCDs in electronic form, are advised to 37. How to Apply? - i. Availability of Prospectus and Application Forms : The abridged Prospectus containing to invest in the NCDs; • Public/private charitable/religious trusts which are authorised to invest in the immediately update their bank account details as appearing on the records of the depository participant. the salient features of the Prospectus together with Application Forms and copies of the Prospectus may NCDs; • Scientific and/or industrial research organisations, which are authorised to invest in the NCDs; Please note that failure to do so could result in delays in credit of refunds to the applicant at the applicant’s be obtained from our Registered Office, Lead Manager(s) to the Issue, and the Registrar to the Issue, as • Partnership firms in the name of the partners;• Limited liability partnerships formed and registered under sole risk, and neither the Lead Managers our Company nor the Registrar to the Issue shall have any mentioned on the Application Form. In addition, Application Forms would also be made available to the the provisions of the Limited Liability Partnership Act, 2008 (No. 6 of 2009); and • Resident Indian responsibility and undertake any liability for the same. For NCDs held in physical form : The bank details BSE where listing of the NCDs are sought and to brokers, on their request. We may provide Application individuals and Hindu Undivided Families through the Karta applying for NCDs aggregating to a value will be obtained from the Registrar to the Issue for payment of interest / refund / redemption as the case Forms for being filled and downloaded at such websites as we may deem fit. ii. Who can Apply : The exceeding ` 500,000, across all series of NCDs, (Option I and/or Option II and/or Option III and/or Option may be. For applicants in Category IV, the bank details provided must be of an NRO account of such following categories of persons are eligible to apply in the Issue: Category I • Public Financial Institutions, IV)Category III • Resident Indian individuals and Hindu Undivided Families through the Karta applying for applicants for payment of interest / refund / redemption. The mode of interest/refund/redemption payments Statutory Corporations, Commercial Banks, Co-operative Banks and Regional Rural Banks, which are NCDs aggregating to a value not more than ` 500,000, across all series of NCDs (Option I and/or Option shall be under taken in the order of preference mentioned in the Prospectus. authorised to invest in the NCDs; • Provident Funds, Pension Funds, Superannuation Funds and Gratuity II and/or Option III and/or Option IV).Category IV • NRIs – on a non-repatriation basis only** 22. Printing of Bank Particulars on Interest Warrants : As a matter of precaution against possible fraudulent Fund, which are authorised to invest in the NCDs; • Venture Capital funds registered with SEBI; • Insurance * In terms of Regulation 4(2)(d) of the SEBI Debt Regulations, the Company will make public issue of encashment of refund orders and interest/redemption warrants due to loss or misplacement, the particulars Companies registered with the IRDA; • National Investment Fund; and • Mutual Funds. Category II • NCDs in the dematerialised form. However, in terms of Section 8 (1) of the Depositories Act, the Company, of the applicant’s bank account are mandatorily required to be given for printing on the orders/ warrants. Companies; bodies corporate and societies registered under the applicable laws in India and authorised at the request of the Applicants who wish to hold the NCDs post allotment in physical form, will fulfill such In relation to NCDs applied and held in dematerialized form, these particulars would be taken directly from to invest in the NCDs; • Public/private charitable/religious trusts which are authorised to invest in the request through the process of rematerialisation. ** An NRI can only apply under Category IV, for Option the depositories. In case of NCDs held in physical form either on account of rematerialisation or transfer, NCDs; • Scientific and/or industrial research organisations, which are authorised to invest in the NCDs; II, Option III and Option IV NCDs offered in the Issue subject to the conditions and restrictions contained the investors are advised to submit their bank account details (NRO bank account details in the case of • Partnership firms in the name of the partners; • Limited Liability Partnerships formed and registered in the FEMA(Borrowing or Lending in Rupees) Regulations, 2000, and other applicable statutory and/or NRIs) with our Company / Registrar at least 7 (seven) days prior to the Record Date failing which the orders under the provisions of the Limited Liability Partnership Act, 2008 (No. 6 of 2009); and • Resident Indian regulatory requirements. / warrants will be dispatched to the postal address of the holder of the NCD as available in the records individuals and Hindu Undivided Families through the Karta applying for NCDs aggregating to a value Participation by any of the above-mentioned investor classes in this Issue will be subject to applicable statutory of our Company. Bank account particulars (NRO bank account particulars in the case of NRIs) will be exceeding ` 500,000, across all series of NCDs, (Option I and/or Option II and/or Option III and/or Option printed on the orders/ warrants which can then be deposited only in the account specified. IV). Category III • Resident Indian individuals and Hindu Undivided Families through the Karta applying and/or regulatory requirements. Applicants are advised to ensure that applications made by them do not exceed for NCDs aggregating to a value not more than ` 500,000 across all series of NCDs, (Option I and/or the investment limits or maximum number of NCDs that can be held by them under applicable statutory and/ 23. Loan against NCDs : Our Company, at its sole discretion, subject to applicable statutory and/or regulatory * requirements, may consider granting of a loan facility to the holders of NCDs against the security of such Option II and/or Option III and/or Option IV). Category IV • NRIs – on a non-repatriation basis only. or regulatory provisions. In case of Application Form being submitted in joint names, the applicants should * An NRI can apply for Option II, Option III and Option IV NCDs offered in the Issue, subject to the ensure that the de-mat account is also held in the same joint names, and the names are in the same NCDs. Such loans shall be subject to the terms and conditions as may be decided by our Company from time to time. conditions and restrictions contained in the FEMA(Borrowing or Lending in Rupees) Regulations, 2000, sequence in which they appear in the Application Form. Applicants are advised to ensure that they have and other applicable statutory and/or regulatory requirements. obtained the necessary statutory and/or regulatory permissions/consents/approvals in connection with applying 24. Buy Back of NCDs : Our Company may, at its sole discretion, from time to time, consider, subject to applicable statutory and/or regulatory requirements, buyback of NCDs, upon such terms and conditions as Participation of any of the aforementioned categories of persons or entities is subject to the applicable for, subscribing to, or seeking allotment of NCDs pursuant to the Issue. For further details please refer to the statutory and/or regulatory requirements in connection with the subscription to Indian securities by such Prospectus. may be decided by our Company. categories of persons or entities. Applicants are advised to ensure that applications made by them do not TERMS AND CONDITIONS IN CONNECTION WITH THE NCDs 25. Form and Denomination : In case of NCDs held in physical form, a single certificate will be issued to exceed the investment limits or maximum number of NCDs that can be held by them under applicable statutory 15. Common Terms of NCDs : Stock Exchange proposed for listing of the NCDs : BSE, Issuance and Trading the NCD holder for the aggregate amount (“Consolidated Certificate”) for each type of NCDs. The applicant and or regulatory provisions. Applicants are advised to ensure that they have obtained the necessary statutory : Compulsorily in dematerialised form*, Trading Lot : 1 (one) NCD, Depositories : NSDL and CDSL, Security can also request for the issue of NCD certificates in denomination of one NCD (“Market Lot”). For further and/or regulatory permissions/consents/approvals in connection with applying for, subscribing to, or seeking : Security for the purpose of this Issue will be created in accordance with the terms of the Debenture Trust details please refer to the Prospectus. allotment of NCDs pursuant to the Issue. The Lead Managers and their respective associates and affiliates Deed. For further details please refer to the Prospectus. Issue Schedule** : The Issue shall be open from 26. Procedure for Redemption by NCD holders : The procedure for redemption is set out below: NCDs held are permitted to subscribe in the Issue. The information below is given for the benefit of the investors. Our March 02, 2012 to March 17, 2012 with an option to close earlier and/or extend upto a period as may be in physical form: For details please refer to the Prospectus. NCDs held in electronic form: No action is Company, the Lead Managers are not liable for any amendment or modification or changes in applicable determined by a duly authorised committee of the Board constituted by resolution of the Board dated required on the part of NCD holder(s) at the time of redemption of NCDs. laws or regulations, which may occur after the date of the Prospectus. Investors are advised to ensure that July 25, 2011. Pay-in date : 3 (Three) business days from the date of reciept of application or the date of 27. Payment on Redemption : The manner of payment of redemption is set out below: NCDs held in physical the aggregate number of NCDs applied for does not exceed the investment limits or maximum number realisation of the cheques/demand drafts, whichever is later. Deemed Date of Allotment : Deemed date of form: The payment on redemption of the NCDs will be made by way of cheque/pay order/ electronic of NCDs that can be held by them under applicable law. allotment shall be the date as decided by the duly authorised committee of the Board constituted by modes. For further details please refer to the Prospectus. NCDs held in electronic form: On the redemption 38. Applications by Mutual Funds, Scheduled Banks, Co-operative Banks and Regional Rural Banks, Insurance resolution of the Board dated July 25, 2011, and as mentioned on the Allotment Advice / regret. Day count date, redemption proceeds would be paid by cheque /pay order / electronic mode to those NCD holders Companies, Trusts : For details please refer to the Prospectus. basis : Actual/Actual. *In terms of Regulation 4(2)(d) of the SEBI Debt Regulations, the Company will whose names appear on the list of beneficial owners given by the Depositories to us. For further details Applications by NRIs : We propose to issue Option II, Option III and Option IV NCDs to NRIs on a non- make public issue of NCDs in the dematerialised form. However, in terms of Section 8 (1) of the Depositories please refer to the Prospectus. repatriable basis. An NRI can apply for Option II, Option III and Option IV NCDs offered in the Issue on non repatriation basis subject to the conditions and restrictions contained in the FEMA(Borrowing or 4 MUTHOOT FINANCE LIMITED IN THE NATURE OF FORM 2A - MEMORANDUM CONTAINING SALIENT FEATURES OF THE PROSPECTUS Lending in Rupees) Regulations, 2000, and other applicable statutory and/or regulatory requirements. same once sent to the address obtained from the Depositories are returned undelivered. In such an event, number of NCDs, which are not in multiples of one; • Category not ticked; • Application under power of Option I NCD shall not be available to NRIs. Allotment of NCDs on a non-repatriation basis to NRIs shall the address and other details given by the applicant in the Application Form would be used only to ensure attorney by limited companies, corporate, trust etc., where relevant documents are not submitted; • be subject to the application monies paid by the NRI being received by inward remittance of freely dispatch of refund orders. Please note that any such delay shall be at the applicant’s sole risk and neither Application Form does not have applicant’s depository account details; • Applications accompanied by convertible foreign exchange through normal banking channels, i.e. through electronic transfer of funds, we nor the Lead Managers or the Registrar shall be liable to compensate the applicant for any losses Stock invest/money order/postal order; • Signature of sole and/ or joint applicant(s) missing; • Application or a rupee denominated demand draft/cheque drawn on a bank in India from Non-resident Ordinary (NRO) caused to the applicant due to any such delay or liable to pay any interest for such delay. However in case Forms not delivered by the applicant within the time prescribed as per the Application Form and the account or Non-resident External (NRE) account, or by electronic transfer of funds held in the investor’s of applications made under power of attorney, our Company in its absolute discretion, reserves the right Prospectus and as per the instructions in the Prospectus and the Application Form; • In case the subscription rupee denominated accounts i.e. Non-resident Ordinary (NRO) account or Non-resident External (NRE) to permit the holder of Power of Attorney to request the Registrar that for the purpose of printing particulars amount is paid in cash; • In case of Category IV applications, if the money is received from NRO account account maintained with an authorised dealer or an authorised bank in India. Monies received from NRIs on the refund order and mailing of Refund Orders /Allotment Advice, the demographic details obtained and the account number (in case of application in physical form) mentioned in the application form is a shall be collected in the Special Account. In case of bids by NRIs, payment by inward remittance of freely from the Depository of the applicant shall be used. In case no corresponding record is available with the repatriable account or the status of the demat account is repatriable; • In case no corresponding record is convertible foreign exchange should be accompanied by a certificate confirming the source of funds, and Depositories that matches all three parameters, namely, names of the applicants (including the order of available with the Depositories that matches three parameters namely, names of the applicant, the a declaration from the applicant that extant FEMA regulations have been complied with. Payment from names of joint holders), the Depository Participant’s identity (DP ID) and the beneficiary’s identity, then Depository Participant’s Identity and the beneficiary’s account number; • Application Form accompanied NRO accounts by demand drafts or electronic transfer of funds should be accompanied by a bank certificate such applications are liable to be rejected. D. Applicant’s Bank Account Details : It is mandatory for all the with more than one cheque; • Category I applications not procured by the Lead Managers or their respective confirming that the draft has been issued/electronic transfer has been effected by debiting an NRO applicants to have their NCDs allotted in dematerialised form. The applicant should note that on the basis affiliates; • Category IV applications being submitted for subscription to only Option I NCDs; or • Category Account. In case of payment from an NRE account, such payment should be accompanied by a bank of the name of the applicant, Depository Participant’s (DP) name, Depository Participants identification IV applications being submitted in physical form at collection centres other than the centres designated certificate confirming that the payment has been made by debiting an NRE Account, and bank statements number and beneficiary account number provided by them in the Application Form, the Registrar to the for submitting the application forms by NRI applicants applying in physical form. For further instructions of the applicant for a period of one year indicating the source of the funds in the NRE Account. Failing Issue will obtain from the applicant’s DP account, the applicant’s bank account details. The investors are regarding application for the NCDs, investors are requested to read the Application Form. this, our Company reserves the right to accept or reject any application made by an NRI in whole or in part, advised to ensure that bank account details are updated in their respective DP Accounts as these bank 48. Allotment Advice / Refund Orders : The un utilised portion of the application money will be refunded in either case, without assigning any reason therefor. iii. Applications cannot be made by: (a) Minors without account details would be used for making payment of Interest on Application Money, Interest on Refund, to the applicant by an A/c Payee cheque/demand draft. In case the at par facility is not available, our a guardian name (a guardian may apply on behalf of a minor. However, the guardian name will need to interest on NCDs at the respective Coupon Rates, principal amount on redemption and shall also be Company reserves the right to adopt any other suitable mode of payment. The Company shall credit the be mentioned on the application form); (b) Foreign nationals; (c) Persons resident outside India other than printed on the refund order(s), if any. Please note that failure to do so could result in delays in credit of allotted NCDs to the respective beneficiary accounts/despatch the Letter(s) of Allotment or Letter(s) of NRIs on a non-repatriation basis; (d) Foreign Institutional Investors; (e) Non Resident Indians other than refunds interest or principal to applicants at the applicant’s sole risk and neither the Lead Managers, our Regret/Refund Orders by Registered Post/Speed Post at the applicant’s sole risk, within 30 days from the on a non-repatriation basis; and (f) Overseas Corporate Bodies Company, the Refund Banker, nor the Registrar to the Issue shall have any responsibility and undertake date of closure of the Issue. We may enter into an arrangement with one or more banks in one or more 39. Escrow Mechanism : We shall open Escrow Accounts with one or more Escrow Collection Bank(s) in any liability for the same. E. Applications under Power of Attorney by limited companies, corporate bodies, cities for refund to the account of the applicants through Direct Credit/RTGS/NEFT. Further, (a) Allotment whose favour the applicants shall make out the cheque or demand draft in respect of their application. registered societies etc. : In case of Applications made pursuant to a power of attorney by limited companies, of NCDs offered to the public shall be made within a time period of 30 days from the date of closure of Cheques or demand drafts for the application amount received from applicants would be deposited in the corporate bodies, registered societies etc, a certified copy of the power of attorney or the relevant resolution the Issue; (b) Credit to de-mat account will be given within 2 working days from the Date of Allotment; (c) respective Escrow Account. Upon creation of security as disclosed in the Prospectus, the Escrow Collection or authority, as the case may be, along with a certified copy of the Memorandum of Association and Articles Interest at a rate of 15% per cent per annum will be paid if the allotment has not been made and/or the Bank(s) shall transfer the monies from the Escrow Accounts to a separate bank account as per the terms of Association and/or bye laws must be lodged along with the Application Form, failing this, our Company Refund Orders have not been dispatched to the applicants within 30 days from the date of the closure of of the Escrow Agreement, (“Public Issue Account”). Payments of refund to the applicants shall also be reserves the right to accept or reject any Application in whole or in part, in either case, without assigning the Issue, for the delay beyond 30 days; and (d) The Company will provide adequate funds to the Registrars made from the Escrow Accounts/refund account(s) as per the terms of the Escrow Agreement and the any reason therefor. F. Permanent Account Number : The applicant or in the case of applications made in to the Issue, for this purpose. Prospectus. Under the provisions of the Foreign Exchange Management (Borrowing and Lending in joint names, each of the applicant, should mention his or her Permanent Account Number (PAN) allotted 49. Retention of oversubscription : The Company is making a public Issue of NCDs aggregating upto Rupees) Regulations, 2000, any monies borrowed from a person resident outside India cannot be used: under the IT Act. In accordance with Circular No. MRD/DOP/Cir-05/2007 dated April 27, 2007 issued by ` 2,500 million with an option to retain oversubscription of NCDs up to ` 2,500 million. (a) for any purpose except in ones own business other than (i) the business of chit fund, (ii) as Nidhi SEBI, the PAN would be the sole identification number for the participants transacting in the securities 50. Basis of Allotment : Basis of Allotment for NCDs : (a) Allotments in the first instance: (i) During the Issue Period, for each category, all applications received on the same day by the Bankers to the Issue would be Company, (iii) agricultural or plantation activities or real estate business; or construction of farm houses; market, irrespective of the amount of transaction. Any Application Form, without the PAN is liable to be treated at par with each other. (ii) Applicants (other than applicants under Category IV) will be allocated or (iv) trading in Transferable Development Rights (TDRs); or (b) for any investment, whether by way of rejected, irrespective of the amount of transaction. It is to be specifically noted that the applicants should NCDs on first come first serve basis (determined on the basis of date of receipt of each application duly capital or otherwise, in any company or partnership firm or proprietorship concern or any entity, whether not submit the GIR number instead of the PAN as the Application is liable to be rejected on this ground. acknowledged by the Bankers to the Issue or date of receipt of each application by the Registrar, as the incorporated or not, or for the purpose of re-lending. Accordingly, our Company shall open and maintain G. Terms of Payment : The entire issue price for the NCDs is payable on application only. In case of case may be). Category IV applicants will be allocated NCDs on first come first serve basis (determined a separate account with the Escrow Collection Bank(s) in connection with all application monies received allotment of lesser number of NCDs than the number applied, our Company shall refund the excess on the basis of date of receipt of each Application either physically or by email, whichever is earlier, by from NRIs, (“Special Account”). All application monies received from NRI applicants shall be deposited in amount paid on application to the applicant. H. Payment Instructions for Applicants : • In pursuance of Debt the Bankers to the Issue or the Registrar); (iii) Applicants belonging to Category I will be allocated up to the Special Account maintained with any of the Bankers to the Issue. Upon creation of security as disclosed Regulations, we shall open Escrow Account and Special Account with the Escrow Collection Banks(s) for 15% of the Issue size, applicants belonging to Category II will be allocated NCDs upto 20% of Issue size, in the Prospectus, the Escrow Collection Bank(s) shall transfer the monies from the Special Account to a the collection of the application money payable upon submission of the Application Form. • Payment may applicants belonging to Category III will be allocated NCDs upto 50% of Issue size, and applicants separate bank account, (“NRI Account”), which shall be different from the Public Issue Account. Our be made by way of cheque/bank draft drawn on any bank, including a co-operative bank which is situated belonging to Category IV, will be allocated NCDs upto 15% of Issue size on first come first serve basis Company shall at all times ensure that any monies kept in the Special Account and/or the NRI Account at and is member or sub-member of the Bankers’ clearing-house located at the place where the Application (determined on the basis of date of receipt of each application duly acknowledged by the Bankers to the shall not be used for on-lending and be utilised only in accordance with and subject to the restrictions Form is submitted, i.e. at designated collection centres. Outstation cheques /bank drafts drawn on banks Issue); and (iv) All applications in a particular category shall be clubbed together. Allotments, in consultation contained in the Foreign Exchange Management (Borrowing and Lending in Rupee) Regulations, 2000, not participating in the clearing process will not be accepted and applications accompanied by such with the Designated Stock Exchange, shall be made on a first-come first-serve basis, based on the date and other applicable statutory and/or regulatory requirements. The Escrow Collection Bank(s) will act in cheques or bank drafts are liable to be rejected. Payment though stock invest would also not be allowed of presentation of each application to the Bankers to the Issue, in each Category subject to the allocation terms of the Prospectus and the Escrow Agreement. The Escrow Collection Bank(s) shall not exercise any as the same has been discontinued by the RBI vide notification No. DBOD.NO.FSC.BC. 42/24.47.001/ ratio indicated at 14(a)(iii) above. (b) Under Subscription: If there is any under subscription in any category, lien whatsoever over the monies deposited therein. In terms of Debt Regulations, it is mandatory for our 2003-04 dated November 5, 2003. Cash/Stock invest/Money Orders/Postal Orders will not be accepted. priority in allotments will be given to the Category III, and balance, if any, shall be first made to applicants Company to keep the proceeds of the Issue in an escrow account until the documents for creation of security In case payment is effected in contravention of conditions mentioned herein, the application is liable to of Category II, followed by Category I and thereafter Category IV on a first come first serve basis, on as stated in the Prospectus are executed. be rejected and application money will be refunded and no interest will be paid thereon. A separate proportionate basis. However, the value of NCDs allotted to Category IV will be limited to ` 2000.00 million. 40. Filing of the Prospectus with ROC : A copy of the Prospectus has been filed with the Registrar of cheque / bank draft must accompany each Application Form. • All Application Forms received with outstation (c) For each Category, all applications received on the same day by the Bankers to the Issue would be Companies, Kerala and Lakshadweep, in terms of section 56 and section 60 of the Act. cheques, post dated cheques, cheques / bank drafts drawn on banks not participating in the clearing treated at par with each other. (d) Minimum allotments of 1 NCD and in multiples of 1 NCD thereafter 41. Pre-Issue Advertisement : Our Company will issue a statutory advertisement on or before the Issue process, Money orders/postal orders, cash, stock invest shall be rejected and the collecting bank shall not would be made in case of each valid application to all applicants. (e) Allotments in case of oversubscription: Opening Date. This advertisement will contain the information as prescribed under Debt Regulations. be responsible for such rejections. • All cheques / bank drafts accompanying the application should be In case of an oversubscription, allotments to the maximum extent, as possible, will be made on a first-come Material updates, if any, between the date of filing of the Prospectus with ROC and the date of release crossed “A/c Payee only” and (a) all cheques / bank drafts accompanying the applications made by eligible first-serve basis and thereafter on proportionate basis, in each category, i.e. full allotment of NCDs to the of this statutory advertisement will be included in the statutory advertisement. applicants must be made payable to “Escrow Account Muthoot Finance NCD Public Issue” for applicants applicants on a first come first basis up to the date falling 1 (one) day prior to the date of oversubscription 42. General Instructions : Do’s • Check if you are eligible to apply; • Read all the instructions carefully and who are not NRIs and to “Special Account Muthoot Finance NCD Public Issue” for NRI applicants. • The in the respective category, and Proportionate Allotment of NCDs to the applicants on the date of complete the Application Form; • Ensure that the details about Depository Participant and Beneficiary Escrow Collection Bank(s) shall transfer the funds from the Escrow Account, as per the terms of the Escrow oversubscription in the respective category (based on the date of presentation of each application to the Account are correct as allotment of NCDs will be in the dematerialized form only; • Ensure that you mention Agreement, into a public issue account after the creation of security as disclosed in the Prospectus. Bankers to the Issue, in each Category). (f) Proportionate Allotments : For each Category, on the date of your PAN allotted under the IT Act; • Ensure that the Demographic Details (as defined herein below) are 44. Submission of Completed Application Forms : • All applications duly completed and accompanied by oversubscription: (i) Allotments to the applicants shall be made in proportion to their respective application updated, true and correct in all respects; and • Ensure that you have obtained all necessary approvals from account payee cheques / drafts shall be submitted at the branches of the Bankers to the Issue (listed in size, rounded off to the nearest integer. (ii) If the process of rounding off to the nearest integer results in the relevant statutory and/or regulatory authorities to apply for, subscribe to and/or seek allotment of NCDs the Application Form) or our Collection Centre(s)/ agent(s) as may be specified by us before the closure the actual allocation of NCDs being higher than the Issue size, not all applicants will be allotted the pursuant to the Issue; • In case of an HUF applying through its Karta, the Applicant is required to specify of the Issue. The Application Form– NRI, duly completed, may also be scanned and emailed to the number of NCDs arrived at after such rounding off. Rather, each applicant whose allotment size, prior to the name of an Applicant in the Application Form as ‘XYZ Hindu Undivided Family applying through Registrar or the Bankers to the Issue at the email addresses indicated in the Application Form – NRI. Our rounding off, had the highest decimal point would be given preference. (iii) In the event, there are more PQR’, where PQR is the name of the Karta; • Ensure that the Applications are submitted to the Bankers collection centre/ agent however, will not accept payments made in cash. However, Application Forms than one applicant whose entitlement remain equal after the manner of distribution referred to above, our to the Issue before the closure of banking hours on the Issue Closing Date. Don’ts : • Do not apply for lower duly completed together with cheque/bank draft drawn on/payable at a local bank in Mumbai for the Company will ensure that the basis of allotment is finalised by draw of lots in afair and equitable manner. than the minimum application size; • Do not pay the application amount in cash; • Do not fill up the amount payable on application may also be sent by Registered Post to the Registrar to the Issue, so as (g) Applicant applying for more than one series of NCDs: If an applicant has applied for more than one Application Form such that the NCDs applied for exceeds the issue size and/or investment limit or to reach the Registrar prior to closure of the Issue. Applicants at centres not covered by the branches of series of NCDs, (Option I and/or Option II and/or Option III and/or Option IV, individually referred to as maximum number of NCDs that can be held under the applicable laws or regulations or maximum amount collecting banks can send their Application Forms together with cheque / draft drawn on / payable at a local “Series”), and in case such applicant is entitled to allocation of only a part of the aggregate number of NCDs permissible under the applicable regulations; and • Do not submit application accompanied with Stock bank in Mumbai to the Registrar to the Issue by registered post. For the purposes of the basis of allotment, applied for, the Series-wise allocation of NCDs to such applicants shall be in proportion to the number invest. the date on which the cheque is received by the Registrar or the Bankers to the Issue pursuant to an of NCDs with respect to each Series, applied for by such applicant, subject to rounding off to the nearest 43. Instructions for completing the Application Form : A. Submission of Application Form - R • Applications Application, shall be deemed to be the date on which the Application was made. In the case of NRIs, the integer, as appropriate in consultation with Lead Managers, and Designated Stock Exchange. All decisions by resident Indians must be made in prescribed Application Form – R only. • The forms to be completed date of receipt of application by the Registrar or the Bankers to the Issue through e-mail or physical copy, pertaining to the basis of allotment of NCDs pursuant to the Issue shall be taken by our Company in in block letters in English. • Applications should be in single or joint names and should be applied by Karta whichever is earlier, shall be deemed to be the date on which the Application was made. All completed consultation with the Lead Managers, and the Designated Stock Exchange and in compliance with the in case of HUF. • Thumb impressions and signatures other than in English/Hindi/Gujarati/Marathi or any Application Forms must reach any of the Bankers to the Issue or the Registrar, as the case may be, at the aforementioned provisions of the Prospectus. Our Company would allot Option I NCDs to all valid other languages specified in the 8th Schedule of the Constitution needs to be attested by a Magistrate earlier of (a) the date on which the Issue is oversubscribed, and (b) the Issue Closing Date, to be considered applications, wherein the applicants (other than applicants under Category IV) have not indicated their or Notary Public or a Special Executive Magistrate under his/her seal. • All Application Forms duly for allocation. • No separate receipts shall be issued for the application money. However, Bankers to the choice of Option. Our Company would allot Option II NCDs to all valid applications by NRIs, wherein NRI completed together with cheque/bank draft or RTGS transfers (applicable only for Category I applicants) Issue at their designated branches/our Collection Centre(s)/ agent(s) receiving the duly completed applicants have not indicated their choice of Option. for the amount payable on application must be delivered before the closing of the subscription list to any Application Forms will acknowledge the receipt of the applications by stamping and returning the 51. Investor Withdrawals and Pre-closure : Investor Withdrawal : Applicants are allowed to withdraw their of the Bankers to the Issue or collection centre(s)/ agent(s) as may be specified before the closure of the acknowledgment slip to the applicant. • Applications shall be deemed to have been received by us only applications at any time prior to the closure of the Issue. Pre-closure : Our Company, in consultation with Issue. Applicants at centres not covered by the branches of collecting banks can send their forms together when submitted to Bankers to the Issue at their designated branches or at our Collection Centre/ agent the Lead Managers re serve the right to close the Issue at any time prior to the Closing Date, subject to with a cheque/draft drawn on/payable at a local bank in Mumbai to the Registrar to the Issue by registered or on receipt by the Registrar as detailed above and not otherwise. • All applications by persons or entities receipt of minimum subscription for NCDs aggregating to 75% of the Base Issue. Our Company shall allot post. For the purposes of the basis of allotment, the date on which the cheque is received by the Registrar belonging to Category I shall be received only by the Lead Managers and their respective affiliates. • Only NCDs with respect to the applications received at the time of such pre-closure in accordance with the Basis or a Banker to the Issue, as the case maybe pursuant to an Application, shall be deemed to be the date Category I applicants and Category IV applicants shall have an option to make payments on applications of Allotment as described hereinabove and subject to applicable statutory and/or regulatory requirements. on which the Application was made. • No receipt will be issued for the application money. However, through electronic mode. 52. Utilisation of Application Money : The sum received in respect of the Issue will be kept in separate bank Bankers to the Issue and/or their branches receiving the applications will acknowledge the same. • Every 45. On-line Applications : We may decide to offer online application facility for NCDs, as and when it is accounts and we will have access to such funds as per applicable provisions of law(s), regulations and applicant should hold valid Permanent Account Number (PAN) and mention the same in the Application permitted by law subject to terms and conditions as may be prescribed. approvals. Our Company shall at all times ensure that any monies kept in the Special Account shall be Form; and • All applicants are required to tick the relevant column of “Category of Investor” in the Application 46. Other Instructions : A. Joint Applications : Applications may be made in single or joint names (not utilised only in accordance with the FEMA (Borrowing and Lending in Rupees) Regulations, 2000 and Form. B. Submission of Application Form - NRI : • Applications by NRIs must be made in the prescribed exceeding three). In the case of joint applications, all payments will be made out in favour of the first other applicable statutory and/or regulatory requirements. Application Form - NRI only. • The Application Forms - NRI to be completed in block letters in English. applicant. All communications will be addressed to the first named applicant whose name appears in the 53. Utilisation of Issue Proceeds : (a) All monies received pursuant to the Issue of NCDs to public shall be • Applications should be in single or joint names. • Application Forms – NRI duly completed must be Application Form and at the address mentioned therein. B. Additional / Multiple Applications : An applicant transferred to a separate bank account other than the bank account referred to in sub-section (3) of section delivered to the Registrar or Bankers to the Issue either by post or scanned and e-mailed to the Registrar is allowed to make one or more applications for the NCDs for the same or other series of NCDs, subject 73 of the Act. (b) Details of all monies utilised out of Issue referred to in sub-item (a) shall be disclosed or Bankers to the Issue before the closing of the subscription list, and the application money should be to a minimum application size of ` 5,000 and in multiples of ` 1,000 thereafter, for each application. Any under an appropriate separate head in our Balance Sheet indicating the purpose for which such monies transferred electronically or by depositing cheque/bank draft for the amount payable on application to the application for an amount below the aforesaid minimum application size will be deemed as an invalid had been utilised; and (c) Details of all unutilised monies out of issue of NCDs, if any, referred to in sub- credit of the Special Account maintained with any of the Bankers to the Issue. For the purposes of the basis application and shall be rejected. However, multiple applications by the same applicant belonging to item (a) shall be disclosed under an appropriate separate head in our Balance Sheet indicating the form of allotment, the date on which the Application is presented to and acknowledged by the Bankers to the Category III aggregating to a value exceeding ` 500,000 shall be grouped in Category II, for the purpose in which such unutilised monies have been invested. (d) We shall utilize the Issue proceeds only upon Issue or the date of receipt of the application by the Registrar through post, as the case may be, or in the of determining the basis of allotment to such applicant. However, any application made by any person in creation of security as stated in the Prospectus, receipt of the listing and trading approval from BSE and case of NRIs, the date of receipt of application by the Registrar or Bankers to the Issue through email or his individual capacity and an application made by such person in his capacity as a karta of a Hindu on receipt of the minimum subscription of 75% of the Base Issue. (e) We shall open and maintain a physical copy, whichever is earlier, shall be deemed to be the date on which the Application was made. Undivided family and/or as joint applicant (second or third applicant), shall not be deemed to be a multiple separate account with the Escrow Collection Bank(s) in connection with all application monies received • Every applicant should hold valid Permanent Account Number (PAN) and mention the same in the application. For the purposes of allotment of NCDs under the Issue, applications shall be grouped based from NRIs, (“Special Account”). All application monies received from NRI applicants shall be deposited in Application Form; and • No receipt will be issued for the application money. However, Bankers to the Issue on the PAN, i.e. applications under the same PAN shall be grouped together and treated as one application. the Special Account maintained with any of the Bankers to the Issue. Upon creation of security as disclosed and/or their branches receiving the applications will acknowledge the same. • Application monies should Two or more applications will be deemed to be multiple applications if the sole or first applicant is one in the Prospectus, the Escrow Collection Bank(s) shall transfer the monies from the Special Account to a be received either by inward remittance of freely convertible foreign exchange through normal banking and the same. For the sake of clarity, two or more applications shall be deemed to be a multiple application separate bank account, (“NRI Account”), which shall be different from the Public Issue Account. Our channels or through rupee denominated demand drafts/cheque drawn on a bank in India from Non- for the aforesaid purpose if the PAN number of the sole or the first applicant is one and the same. C. Company shall at all times ensure that any monies kept in the Special Account and/or the NRI Account resident Ordinary (NRO) account or Non-resident External (NRE) account or by transfer of funds held in the Depository Arrangements : As per the provisions of Section 68B of the Act, the allotment of NCDs of our shall not be used for on-lending and be utilised only in accordance with and subject to the restrictions investor‘s rupee denominated accounts i.e.. NRO Account and NRE Account maintained with an RBI Company can be made in a dematerialised form, (i.e. not in the form of physical certificates but be fungible contained in the Foreign Exchange Management (Borrowing and Lending in Rupee) Regulations, 2000, authorised dealer or a RBI authorised bank in India. Payment by demand drafts should be accompanied and be represented by the Statement issued through electronic mode). We have made depository and other applicable statutory and/or regulatory requirements. (f) The Issue proceeds shall not be utilized by a bank certificate confirming that the draft has been issued by debiting an NRE or an NRO Account. arrangements with NSDL and CDSL for issue and holding of the NCDs in dematerialised form. Please towards full or part consideration for the purchase or any other acquisition, inter alia by way of a lease, ALL APPLICATIONS BY CATEGORY I APPLICANTS SHALL BE RECEIVED ONLY BY THE LEAD MANAGERS note that tripartite agreements have been executed between our Company, the Registrar and both the of any property. AND THEIR RESPECTIVE AFFILIATES. All applicants should apply for one or more option of NCDs in a depositories. For further details please refer to the Prospectus. D. Communications : • All future 54. Listing : The NCDs will be listed on BSE. Our Company has received an in-principle approval from the single Application Form only. Our Company would allot Option INCDs to all valid applications, wherein Communications in connection with Applications made in the Issue should be addressed to the Registrar BSE to deal in and for an official quotation of our NCDs. The application for listing of the NCDs will be the applicants (other than NRIs) have not indicated their choice of Option. Our Company would allot to the Issue quoting all relevant details as regards the applicant and its application. • Applicants can made to BSE at an appropriate stage. If permissions to deal in and for an official quotation of our NCDs Option IINCDs to all valid applications by NRIs, wherein NRI applicants have not indicated their choice contact our Compliance Officer as well as the contact persons of our Company/Lead Managers or the are not granted by BSE, our Company will forthwith repay, without interest, all moneys received from the of Option. C. Applicant’s Depository Account Details : IT IS MANDATORY FOR ALL THE APPLICANTS TO Registrar to the Issue in case of any Pre-Issue related problems. In case of Post-Issue related problems applicants in pursuance of the Prospectus. Our Company shall ensure that all steps for the completion of HAVE THEIR NCDs ALLOTTED IN DEMATERIALISED FORM. ALL APPLICANTS SHOULD MENTION THEIR such as non-receipt of Allotment Advice / credit of NCDs in depository’s beneficiary account / refund orders, the necessary formalities for listing and commencement of trading at BSE are taken within 15 working DEPOSITORY PARTICIPANT’S NAME, DEPOSITORY PARTICIPANT IDENTIFICATION NUMBER AND etc., applicants may contact our Compliance Officer as well as the contact persons of our Company/Lead days from the date of allotment. For the avoidance of doubt, it is hereby clarified that in the event of non BENEFICIARY ACCOUNT NUMBER IN THE APPLICATION FORM. INVESTORS MUST ENSURE THAT THE Managers or Registrar to the Issue. subscription to any one or more of the Options, such NCDs with Option(s) shall not be listed. NAME GIVEN IN THE APPLICATION FORM IS EXACTLY THE SAME AS THE NAME IN WHICH THE 47. Rejection of Application : The Board of Directors and/or any committee of our Company reserves its full, DEPOSITORY ACCOUNT IS HELD. IN CASE THE APPLICATION FORM IS SUBMITTED IN JOINT NAMES, unqualified and absolute right to accept or reject any application in whole or in part and in either case IT SHOULD BE ENSURED THAT THE DEPOSITORY ACCOUNT IS ALSO HELD IN THE SAME JOINT NAMES without assigning any reason thereof. Application may be rejected on one or more technical grounds, FOR FURTHER DETAILS, PLEASE REFER TO THE PROSPECTUS AND ARE IN THE SAME SEQUENCE IN WHICH THEY APPEAR IN THE APPLICATION FORM. Applicant including but not restricted to: • Applications not duly signed by the sole/joint applicants (in the same sequence as they appear in the records of the depository); • Amount paid doesn’t tally with the amount ISSUE MANAGEMENT TEAM should note that on the basis of name of the applicant, Depository Participant’s name, Depository Participant- payable for the NCDs applied for; • Age of First applicant not given; • Application by persons not competent Identification number and Beneficiary Account Number provided by them in the Application Form, the to contract under the Indian Contract Act, 1872 including minors (without the name of guardian) and LEAD MANAGERS Registrar to the Issue will obtain from the Depository, demographic details of the investor such as address, insane persons; • PAN not mentioned in the Application Form; • GIR number furnished instead of PAN; bank account details for printing on refund orders and occupation (“Demographic Details”). Hence, applicants • Applications for amounts greater than the maximum permissible amounts prescribed by applicable should carefully fill in their Depository Account details in the Application Form. These Demographic regulations; • Applications by persons/entities who have been debarred from accessing the capital markets Details would be used for all correspondence with the applicants including mailing of the refund orders/ by SEBI; • Applications by any persons outside India (barring applications made by NRIs, on a non- ICICI SECURITIES LIMITED HDFC BANK LIMITED Allotment Advice and printing of bank particulars on the refund/interest order and the Demographic repatriable basis); • Payment from NRO accounts by demand drafts or electronic transfer of funds not H.T. Parekh Marg, Churchgate Investment Banking Division Details given by applicant in the Application Form would not be used for these purposes by the Registrar. Mumbai 400 020, India Trade World ‘A’ Wing, 1st Floor, Kamala Mills accompanied by a bank certificate confirming that the draft has been issued / electronic transfer has been Tel: (91 22) 2288 2460 Senapati Bapat Marg, Lower Parel Hence, applicants are advised to update their Demographic Details as provided to their Depository effected by debiting an NRO Account. • Bank certificate and bank statement for one year not provided Mumbai 400 013, India Participants and ensure that they are true and correct. By signing the Application Form, the applicant along with demand draft / cheque / electronic payment for NRI Applicants making payment using funds Fax: (91 22) 2282 6580 Tel: (91 22) 4080 4108 Fax: (91 22) 4080 4114 would have deemed to have authorised the depositories to provide, upon request, to the Registrar to the Email: [email protected] Email: [email protected] from a Non-resident External (NRE) account; • Certificate confirming source of funds not provided and a Investor Grievance Email: [email protected] Issue, the required Demographic Details as available on its records. Refund Orders/Allotment Advice declaration from the applicant that extant FEMA regulations have been complied with, not provided by Investor Grievance Email: [email protected] would be mailed at the address of the applicant as per the Demographic Details received from the Website: www.icicisecurities.com Website: www.hdfcbank.com NRI Applicants making payment by inward remittance of freely convertible foreign exchange into the Contact Person: Manvendra Tiwari/Aashima Mutneja Contact Person: Paresh Soni Depositories. Applicant may note that delivery of Refund Orders/Allotment Advice may get delayed if the Special Account; • Any application for an amount below the minimum application size; • Application for SEBI Registration No.: INM000011179 SEBI Registration No.: INM000011252 LEAD MANAGERS REGISTRAR TO THE ISSUE

JM FINANCIAL CONSULTANTS PRIVATE LIMITED KARVY INVESTOR SERVICES LIMITED RR INVESTORS CAPITAL SERVICES (P) LIMITED YES BANK LIMITED LINK INTIME INDIA PRIVATE LIMITED 141 Maker Chambers III, Nariman Point Hallmark Plaza, 7th Floor, C-13, Pannalal Silk Mills Compound, Mumbai 400 021, India Sant Dyaneshwar Marg 133A, Mittal Tower, A- Wing Nehru Centre, 12th Floor, Discovery of India Nariman Point, Mumbai 400 021, India Dr. A B Road, Worli, Mumbai 400 018, India L.B.S. Marg, Bhandup (West), Mumbai 400 078, India Tel : (91 22) 6630 3030 Bandra (E), Mumbai 400 051, India Tel: (91 22) 2596 0320 • Fax: (91 22) 2596 0329 Fax: (91 22) 2204 7185 Tel : (91 22) 6149 1500 Tel : (91 22) 2288 6627/28 Tel : (91 22) 6669 9000 Fax: (91 22) 2285 1925 Fax: (91 22) 2497 4158 Toll Free: 1-800-22-0320 Email: [email protected] Fax: (91 22) 6149 1515 Email: [email protected] Investor Grievance Email: [email protected] Email: [email protected] Email: [email protected] Investor Grievance Email: [email protected] Investor Grievance Email: [email protected] Investor Grievance Email: [email protected] Email: [email protected] Investor Grievance Email: [email protected] Website: www.linkintime.co.in Website: www.jmfinancial.in Website: www.karvy.com Website: www.rrfcl.com Website: www.yesbank.in Contact Person : Brahmdutta Singh Contact Person : Sameer Kakkar Contact Person: Sachin Achar Contact Person : Lakshmi Lakshmanan Contact Person : Swapnil Mahajan/Sumit Singh SEBI Registration No.: INR000004058 SEBI Registration No.: INM000010361 SEBI Registration No.: INM000008365 SEBI Registration No.: INM000007508 SEBI Registration No.: INM000010874 MUTHOOT FINANCE LIMITED 5 IN THE NATURE OF FORM 2A - MEMORANDUM CONTAINING SALIENT FEATURES OF THE PROSPECTUS Compliance Officer and Company Secretary : Rajesh A. Muthoot Chambers Opposite Saritha Theatre Complex 2nd Floor, Banerji Road Kochi 682 018 Kerala, India Tel: (91 484) 353 5533 Fax: (91 484) 2396506 E-mail: [email protected] Debenture Trustee : IDBI Trusteeship Services Limited Asian Building, Ground Floor, 17 R. Kamani Marg, Ballard Estate, Mumbai 400 001, India Tel: (91 22) 40807000 Fax: (91 477) 6631 1776 Email: [email protected] Website: www.idbitrustee.co.in Contact Person: Sarita Iyer SEBI Registration No. : IND000000460 Statutory Auditors : Rangamani & Co Chartered Accountants 17/598, 2nd Floor Card Bank Building West of YMCA VCSB Road Allepey 688 011 Kerala, India Tel: (91 477) 226 1542 Fax: (91 477) 226 1542 Email: [email protected] Credit Rating Agencies : ICRA Limited 1105, Kailash Building, 11th Floor 26, Kasturba Gandhi Marg New Delhi 110001, India Tel: (9111) 23357940-50 Fax: (9111) 23357014 CRISIL Limited CRISIL House, Central Avenue Hiranandani Business Park, Powai Mumbai 400 076, India Tel: (91 22) 3342 3000/1952 Fax: (91 22) 3342 3050 Legal Advisors to the Issue : AZB & Partners AZB House, 67-4, 4th Cross, Lavelle Road Bangalore 560 001, India Tel: (91 80) 4240 0500 Fax: (91 80) 2221 3947 Bankers to the Issue : Axis Bank Limited 41/419, Ground Floor, Chicago Plaza Rajaji Road, Ernakulam Kochi 682 035, India Tel: (91 484) 4411 008/ 4411 039 Fax: (91 484) 2384 273 Email: [email protected], [email protected] Website: www.axisbank.com Contact Person: Venkitachalam Anand/ Suraj Das SEBI Registration No.: INBI00000017. HDFC Bank Limited Corporate Banking 115, Radhakrishnan Salai, Mylapore Chennai 600 004, India Tel: (91 44) 2847 7243 Fax: (91 44) 2847 7250 Email: [email protected] Website: www.hdfcbank.com Contact Person: Rajesh Kumar SEBI Registration No.: INBI00000063. ICICI Bank Limited Capital Markets Division Rajbahadur Mansion, 30, Mumbai Samachar Marg Fort Mumbai 400 001, India Tel: (91 22) 6631 7243 Fax: (91 22) 6631 7250 Email: [email protected] Website: www.icicibank.com Contact Person: Anil Gadoo SEBI Registration No.: INBI00000004. IDBI Bank Limited Unit No.2, Corporate Park, Near Swastik Chambers Sion –Trombay Road, Chembur Mumbai 400 071, India Tel: (91 22) 6690 7243 Fax: (91 22) 6690 7250 Email: [email protected] Website: www.idbibank.com Contact Person: V. Jayananthan SEBI Registration No.: INBI00000076. IndusInd Bank Limited Cash Management services, IBL House, 1st Floor, Cross “B” Road MIDC, J.B. Nagar, Off Andheri Kurla Road, Andheri (E) Mumbai 400 059, India Tel: (91 22) 6772 7243 Fax: (91 22) 6641 7250 Email: [email protected], [email protected] Website: www.indusind.com Contact Person: Suresh Esaki / Mr. Harpal Singh SEBI Registration No.: INBI00000002. YES Bank Limited India Bulls Finance Center Tower II, 23rd Floor Senapati Bapat Marg, Elphinstone Road Mumbai 400 013, India Tel : (91 22) 6669 7243 Fax: (91 22) 2497 7250 Email: [email protected] Website: www.yesbank.in Contact Person : Mahesh Shirali SEBI Registration No.: INBI00000935 RISK FACTORS Prospective investors should carefully consider the risks and uncertainties described below, in addition to 6. We face increasing competition in our business which may result in declining margins if we are unable to require us to meet and maintain prescribed financial ratios. Further, under these loan agreements during the other information contained in the Prospectus before making any investment decision relating to the compete effectively. : Our principal business is the provision of personal loans to retail customers in India the subsistence of the facility, the lender has a right to appoint a nominee director on our Board from time NCDs. If any of the following risks or other risks that are not currently known or are now deemed immaterial, secured by gold jewellery as collateral. Historically, the Gold Loan industry in India has been largely to time. Further more, some of our financing arrangements contain cross default provisions which could actually occur, our business, financial condition and result of operation could suffer, the trading price of unorganised and dominated by local jewellery pawn shops and money lenders, with very few public sector automatically trigger defaults under other financing arrangements, in turn magnifying the effect of an the NCDs could decline and you may lose all or part of your interest and / or redemption amounts. Unless and old generation private sector banks focusing on this sector. Attractive interest rates relative to risk individual default. Although we attempt to maintain compliance with our covenants or obtain prospective otherwise stated in the relevant risk factors set forth below, we are not in a position to specify or quantify together with increased demand for access to capital from middle income group, previously availed waivers where possible, we cannot assure you that we will be continuously compliant. We have breached the financial or other implications of any of the risks mentioned herein. The ordering of the risk factors is predominantly by lower income group customers with limited access to other forms of borrowings, have in the past, and are currently in breach of, certain covenants under these loan agreements and other intended to facilitate ease of reading and reference and does not in any manner indicate the importance increased our exposure to competition. The demand for Gold Loans has also increased due to relatively financing arrangements. For example, with respect to the execution of the Baring Investment Agreement, of one risk factor over another. lower and affordable interest rates, increased need for urgent borrowing or bridge financing requirements Kotak Investment Agreement, Matrix Investment Agreement and Wellcome Investment Agreement and The Prospectus contains forward looking statements that involve risk and uncertainties. Our Company’s and the need for liquidity for assets held in gold and also due to increased awareness among customers the consequent alteration of our capital structure, we did not obtain a prior written permission from certain actual results could differ materially from those anticipated in these forward looking statements as a result of Gold Loans as a source of quick access to funds. All of these factors have resulted in us facing increased banks and financial institutions. Although no bank or financial institution has issued a notice of default of several factors, including the considerations described below and elsewhere in the Prospectus. competition from other lenders in the Gold Loan industry, including commercial banks and other NBFCs. to us, if we are held to be in breach of any financial or other covenants contained in any of our financing Investors are advised to read the following risk factors carefully before making an investment in the NCDs Unlike commercial banks or deposit-taking NBFCs, we do not have access to funding from savings and arrangements, we may be required to immediately repay our borrowings either in whole or in part, together offered in this Issue. You must rely on your own examination of our Company and this Issue, including the current deposits of customers. Instead, we are reliant on higher-cost term loans and debentures for our with any related costs, and because of such defaults we may be unable to find additional sources of risks and uncertainties involved. funding requirements, which may reduce our margins compared to competitors. Our ability to compete financing. If any of these events were to occur, it would likely result in a material adverse effect on our INTERNAL RISK FACTORS effectively with commercial banks or deposit-taking NBFCs will depend, to some extent, on our ability to financial condition and results of operations or even our ability to continue as a going concern. Risks relating to our Business & Company raise low-cost funding in the future. If we are unable to compete effectively with other participants in the 13. All of the Gold Loans we offer are due within one year of disbursement, and a failure to disburse new loans 1. We and our Directors are involved in certain legal and other proceedings that if determined against us, could Gold Loan industry, our business, future financial performance and the trading price of the NCDs and may result in a reduction of our loan portfolio and a corresponding decrease in our interest income. : All of the have a material adverse effect on our financial condition and results of operations. : Our Company and our Equity Shares may be adversely affected. Furthermore, as a result of increased competition in the Gold Gold Loans we offer are due within one year of disbursement. The relatively short-term nature of our loans Directors are defendants in legal proceedings. These legal proceedings are pending at different levels of Loan industry, Gold Loans are becoming increasingly standardised and variable interest rate and payment means that our long-term interest income stream is less certain than if a portion of our loans were for a adjudication before various levels of adjudication before various courts and tribunals. The amounts terms and waiver of processing fees are becoming increasingly common in the Gold Loan industry in India. longer term. In addition, our existing customers may not obtain new loans from us upon maturity of their claimed in these proceedings have been disclosed to the extent as certainable, excluding contingent There can be no assurance that we will be able to react effectively to these or other market developments existing loans, particularly if competition increases. The potential instability of our interest income could liabilities and include amounts claimed jointly and severally from us and other parties. Should any new or compete effectively with new and existing players in the increasingly competitive Gold Loans industry. materially and adversely affect our results of operations and financial position. developments arise, such as any change in applicable Indian law or any rulings against us by appellate Increasing competition may have an adverse effect on our net interest margin and other income, and, if 14. We have entered into assignment agreements to sell certain loans from our outstanding loan portfolio. If courts or tribunals, we may need to make provisions in our financial statements that could increase we are unable to compete successfully, our market share may decline as the origination of new loans such assignment of loans is held to be unenforceable under applicable law, it could have a material adverse effect expenses and current liabilities. Any adverse decision may have an adverse effect on our business, results declines. on our business, financial condition and results of operations. : From time to time we sell and assign a group of operations and financial condition. For further details please refer to the Prospectus. 7. We have certain contingent liabilities which may adversely affect our financial condition. : As per the audited of similar loans from our outstanding loan portfolio to financial institutions in return for an up front fixed 2. The “Muthoot” logo and other combination marks are proposed to be registered in the name of our Promoters. financial statements of the Company for the period ended September 30, 2011 we had certain contingent consideration. As per our audited financial statements for the period ended September 30, 2011 the If we are unable to use the trademarks and logos, our results of operations may be adversely affected. : The brand liabilities not provided for, amounting to ` 3,229.38 million. The contingent liability amounts disclosed outstanding portfolio of assigned loans was ` 25,875.0 million constituting 12.36% of the gross retail and trademark “Muthoot”, as also related marks and associated logos (“Muthoot Trademarks”) are currently in our audited financial statements represent estimates and assumptions of our management based on loan portfolio. As a part of such transactions, we provide credit enhancement through fixed deposits with registered in the name of our Company. We believe that the Muthoot Trademarks are important for our advice received. banks or issue corporate guarantees to the purchaser for an amount equal to a negotiated percentage of business. Our Company proposes to register the Muthoot Trademarks jointly in the name of our Promoters 8. We may not be able to successfully sustain our growth strategy. : In recent periods, we have experienced the value of the loans being assigned. The loan assignment agreements contain certain representations through a rectification process or irrevocably grant ownership rights by alternate, legally compliant means. substantial growth. Our net profit as per the audited financial statements of the Company, in fiscals 2008, and warranties made by us regarding the assigned loans, which, if breached could result in additional Pursuant to applications filed on September 20, 2010 by our Company and our Promoters before the 2009, 2010 and 2011 and for the period ended September 30, 2011 was ` 630.7 million ` 978.7 million, costs and expenses to us. In the event that one or more of the asset assignment agreements entered into Trade Marks Registry, Chennai, our Promoters have stated that their father, Late Mr. M. George Muthoot, ` 2,285.2 million,` 4,941.76 million, and ` 4,060.1 million respectively. Our gross retail loans outstanding by us are held by a court of law or declared by a statute as unenforceable, we may be required to terminate had adopted and had been using the Muthoot Trademarks since 1939 and that our Promoters had, since grew year on year by 120.78% to ` 74,381.5 million as of March 31, 2010, and by 113.34% to ` 158,684.5 these assignment agreements and may suffer losses. In addition, if such assignments of loans are sought the demise of Late Mr. M. George Muthoot, been continuing his business and using the Muthoot Trademarks million as of March 31, 2011 from ` 74,381.5 million as of March 31, 2010. Our gross retail loans to be regulated, it could adversely affect our ability to raise resources through the loan assignment route. as its joint proprietors. Our Company has confirmed that our Company has, since incorporation, been using outstanding grew by 31.96% to ` 209,404.9 million during the six months ended September 30, 2011 Such events may adversely affect our business, financial condition and results of our operations and our the Muthoot Trademarks as per an implied user permission granted by our Promoters and that the application from ` 158,684.5 million as of March 31, 2011. Our growth strategy includes growing our loan book and ability to assign our loans. for registration of the Muthoot Trademarks in the name of our Company was filed through inadvertence. expanding the range of products and services offered to our customers and expanding our branch network. 15. Our business could be adversely affected if we are not able to control or reduce the level of non-performing Consequently, an application has been made to Trade Marks Registry, Chennai, to effect a rectification There can be no assurance that we will be able to sustain our growth strategy successfully, or continue to assets in our portfolio. : We may not be successful in our efforts to improve collections and/or enforce the in the Register of Trademarks. Since a rectification process (by application before the Trade Marks Registry, achieve or grow the levels of net profit earned in recent years, or that we will be able to expand further security interest on the gold collateral on existing as well as future non-performing assets. Moreover, as Chennai as mentioned above) is underway, and not an assignment of the Muthoot Trademarks, no or diversify our loan book. Furthermore, there may not be sufficient demand for such products, or they may our loan portfolio matures, we may experience greater defaults in principal and/or interest repayments. independent valuation of the Muthoot Trademarks has been conducted. It is proposed that consequent not generate sufficient revenues relative to the costs associated with offering such products and services. Thus, if we are not able to control or reduce our level of non-performing assets, the overall quality of our to such rectification, the Promoters will grant our Company a non-exclusive licence to use the Muthoot Even if we were able to introduce new products and services successfully, there can be no assurance that loan portfolio may deteriorate and our results of operations may be adversely affected. As per our audited Trademarks for an annual royalty equivalent to 1% of the gross income of our Company, subject to a we will be able to achieve our intended return on such investments. If we grow our loan book too rapidly financial statements, our gross NPAs as of year ended March 31, 2008, 2009, 2010, 2011 and the period maximum of 3% of profit before tax (after charging the royalty) and managerial remuneration payable by or fail to make proper assessments of credit risks associated with borrowers, a higher percentage of our ended September 30, 2011 were` 92.6 million, ` 161.1 million ` 343.6 million,` 460.1 million, and our Company each financial year. Subject to certain other conditions, it is proposed that this licence would loans may become non-performing, which would have a negative impact on the quality of our assets and ` 1,233.2 million respectively. For further details on our non-performing assets please refer the sub- continue until such time that our Promoters, together with the Promoter Group, jointly cease to hold at our financial condition. We also face a number of operational risks in executing our growth strategy. We section titled `Non-performing Assets’ of the Prospectus.. The Non-Banking Financial (Non-Deposit least 50.01% of the paid-up equity share capital of our Company. Since the rectification is yet to be have experienced rapid growth in our Gold Loan business and our branch network also has expanded Accepting or Holding) Companies Prudential Norms (Reserve Bank) Directions, 2007 prescribe the effected and consequently, no licence has been granted to us as of date, we cannot assure you that we significantly, and it is entering into new, smaller towns and cities within India as part of our growth strategy. provisioning required in respect of our outstanding loan portfolio. Should the overall credit quality of our will be able to obtain a licence to use the Muthoot Trademarks, when registered, from our Promoters on Our rapid growth exposes us to a wide range of increased risks within India, including business risks, such loan portfolio deteriorate, the current level of our provisions may not be adequate to cover further increases commercially acceptable terms, or at all. In addition, loss of the rights to use the Muthoot Trademarks may as the possibility that our number of impaired loans may grow faster than anticipated, and operational in the amount of our non-performing assets. Furthermore, although we believe that our total provision will affect our reputation, goodwill, business and our results of operations. risks, fraud risks and regulatory and legal risks. Moreover, our ability to sustain our rate of growth depends be adequate to cover all known losses in our asset portfolio, our current provisions may not be adequate 3. Our business requires substantial capital, and any disruption in funding sources would have a material significantly upon our ability to manage key issues such as selecting and retaining key managerial when compared to the loan portfolios of other financial institutions. Moreover, there also can be no adverse effect on our liquidity and financial condition. : Our liquidity and ongoing profitability are, in large personnel, maintaining effective risk management policies, continuing to offer products which are relevant assurance that there will be no further deterioration in our provisioning coverage as a percentage of gross part, dependent upon our timely access to, and the costs associated with, raising capital. Our funding to our target base of customers, developing managerial experience to address emerging challenges and non-performing assets or otherwise, or that the percentage of non-performing assets that we will be able requirements historically have been met from a combination of borrowings such as working capital limits ensuring a high standard of customer service. For further details please refer to the Prospectus. to recover will be similar to our past experience of recoveries of non-performing assets. In the event of any from banks and selling of our loan portfolio to other lenders such as banks, and issuance of commercial 9. We may not be in compliance with relevant state money lending laws, which could adversely affect our further increase in our non-performing asset portfolio, there could be an even greater, adverse impact on paper, non-convertible debentures and equity. Thus, our business depends and will continue to depend business. : There is ambiguity on whether or not NBFCs are required to comply with the provisions of state our results of operations. on our ability to access diversified low-cost funding sources. The crisis in the global credit market that money lending laws that establish ceilings on interest rates. As of September 20, 2009, our Company has 16. We face difficulties in carrying out credit risk analyses on our customers, most of whom are individual began in mid 2007 destabilised the prevailing lending model by banks and financial institutions. These been specifically exempted from the provisions of the Money Lenders Act in Karnataka, Andhra Pradesh borrowers : Unlike several developed economies, a nationwide credit bureau has only recently become adverse conditions reached unprecedented levels through 2008. The capital and lending markets remained and there is a blanket exemption for all NBFCs in Rajasthan. Further, we have also received show cause operational in India, so there is less financial information available about individuals, particularly our highly volatile and access to liquidity had been significantly reduced. These conditions had resulted in notices from certain Government authorities in relation to compliance with relevant money lending statutes focus customer segment from the low to middle income group who typically have limited access to other increased borrowing costs and difficulty in accessing debt in a cost-effective manner. In addition, it became in relation to our operations in the states of Gujarat, Kerala, Karnataka and Andhra Pradesh. We also carry financing sources. It is therefore difficult to carry out precise credit risk analyses on our customers. Although more difficult to renew loans and facilities as many potential lenders and counter parties also faced out operations in other states such as Tamil Nadu, Madhya Pradesh, and Maharashtra, where there are we follow certain know-your-customer procedures at the time of sanctioning a loan, we generally rely on liquidity and capital concerns as a result of the stress in the financial markets. Moreover, we are a money lending statutes in operation. In addition, in the event the provisions of any state specific regulations the quality of the gold jewellery provided as collateral rather than on a stringent analysis of the credit “systemically important non-deposit accepting” NBFC, and do not have access to deposits. We are also are extended to NBFCs in the gold loan business such as our Company, we could have increased costs profile of our customers. Although we believe that our risk management controls are sufficient, we cannot restricted from inviting interest in our secured non-convertible debentures which are issued on a private of compliance and our business and operations could be adversely affected. For further details, see section be certain that they will continue to be sufficient or that additional risk management policies for individual placement basis, by advertising to the public. We also face significant maturities of unsecured debt each “Pending proceedings and Statutory Defaults” of the Prospectus. There are severe civil and criminal borrowers will not be required. Failure to maintain sufficient credit assessment policies, particularly for year. ` 24,015.8 million of our outstanding unsecured debt as on September 30, 2011 matures during penalties for non-compliance with the relevant money lending statutes. In the event that the government individual borrowers, could adversely affect our credit portfolio which could have a material and adverse the current fiscal year ending March 31, 2012. In order to retire these instruments, we either will need to of any state in India requires us to comply with the provisions of their respective state money lending laws, effect on our results of operations and financial condition. refinance this debt, which could be difficult in the event of case of volatility in the credit markets, or raise or imposes any penalty against us, our Directors or our officers, including for prior non-compliance, our 17. Our customer base comprises mostly individual borrowers, who generally are more likely to be affected by equity capital or generate sufficient cash to retire the debt. business, results of operations and financial condition may be adversely affected. declining economic conditions than large corporate borrowers. : Individual borrowers generally are less 4. Our financial performance is particularly vulnerable to interest rate risk. : Over the last several years, the 10. A major part of our branch network is concentrated in southern India and any disruption or downturn in financially resilient than large corporate borrowers, and, as a result, they can be more adversely affected Government of India has substantially deregulated the financial sector. As a result, interest rates are now the economy of the region would adversely affect our operations. : As of December 31, 2011, 2,242 out of by declining economic conditions. In addition, a significant majority of our customer base belongs to the primarily determined by the market, which has increased the interest rate risk exposure of all banks and our 3,480 branches are located in the southern states of Tamil Nadu (744 branches), Kerala (683 branches), low to middle income group, who may be more likely to be affected by declining economic conditions than financial intermediaries in India, including us. Our results of operations are substantially dependent upon Andhra Pradesh (483 branches), Karnataka (324 branches) and Union Territory of Pondicherry (8 branches). large corporate borrowers. the level of our net interest margins. Interest rates are sensitive to many factors beyond our control, Any disruption, disturbance or breakdown in the economy of southern India could adversely affect the 18. Because we handle high volume of cash and gold jewellery in a dispersed network of branches, we are including the RBI’s monetary policies, domestic and international economic and political conditions and result of our business and operations. As of September 30, 2011, the southern Indian states of Tamil exposed to operational risks, including employee negligence, fraud, petty theft, burglary and embezzlement, other factors. Our policy is to attempt to balance the proportion of our interest-earning assets, which bear Nadu, Kerala, Andhra Pradesh, Karnataka and the Union Territory of Pondicherry constituted 71.4% of which could harm our results of operations and financial position. : As per our audited financial statements, fixed interest rates, with interest-bearing liabilities. A majority of our liabilities, such as our secured non- our total Gold Loan portfolio. Our concentration in southern India exposes us to adverse economic or as of September 30, 2011, we held cash balance of ` 1,134.5 million and gold jewellery of 129.5 tons. convertible debentures, subordinated debt and short term loans carry fixed rates of interest and the political circumstances that may arise in that region as compared to other NBFCs and commercial banks Our business involves carrying out cash and gold jewellery transactions that expose us to the risk of fraud remaining are linked to the respective banks’ benchmark prime lending rate/base rate. As of that have diversified national presence. If there is a sustained downturn in the economy of south India, by employees, agents, customers or third parties, theft, burglary, and misappropriation or unauthorised September 30, 2011, 55.76% of our borrowings were at fixed rates of interest, comprising primarily our our financial position may be adversely affected. transactions by our employees. Our insurance policies, security systems and measures undertaken to privately placed secured non-convertible redeemable debentures, which constituted 29.21% of our total 11. Our indebtedness and the conditions and restrictions imposed by our financing agreements could restrict detect and prevent these risks may not be sufficient to prevent or detect such activities in all cases, which indebtedness as of September 30, 2011. However, there can be no assurance that we will be able to our ability to conduct our business and operations in the manner we desire. : As per our audited financial may adversely affect our operations and profitability. Further, we may be subject to regulatory or other adequately manage our interest rate risk in the future and be able to effectively balance the proportion statements for the period ended September 30, 2011, we had outstanding debt of ` 172,567.9 million. proceedings in connection with any unauthorised transaction, fraud or misappropriation by our of our fixed rate loan assets and liabilities in the future. Further, despite this balancing, changes in interest We may incur additional indebtedness in the future. Our indebtedness could have several important representatives and employees, which could adversely affect our goodwill. The nature and size of the rates could affect the interest rates charged on interest-earning assets and the interest rates paid on consequences, including but not limited to the following: • a portion of our cash flow may be used towards items provided as collateral allow these items to be misplaced or mis-delivered, which may have a interest-bearing liabilities in different ways. Thus, our results of operations could be affected by changes repayment of our existing debt, which will reduce the availability of our cash flow to fund our capital negative impact on our operations and result in losses. For example, (i) in 2008 and 2009, we encountered in interest rates and the timing of any repricing of our liabilities compared with the re-pricing of our assets. adequacy requirements, working capital, capital expenditures, acquisitions and other general corporate two instances of staff fraud at our Millerganj, Punjab and Sakthikulangara, Kerala branches, where 497 Furthermore, we are exposed to greater interest rate risk than banks or deposit-taking NBFCs. In a rising requirements; • our ability to obtain additional financing in the future at reasonable terms may be restricted packets of gold (pledged against a loan amount of ` 16,127,480) and ` 500,000 in cash were stolen by interest rate environment, if the yield on our interest-earning assets does not increase at the same time or our cost of borrowings may increase due to sudden adverse market conditions, including decreased our employees, (ii) in 2009, gold ornaments pledged by two of our customers at our branches at Pettah, or to the same extent as our cost of funds, or, in a declining interest rate environment, if our cost of funds availability of credit or fluctuations in interest rates, particularly because a significant proportion of our Trivandrum, and Thenkassi Old Bus Stand, Tamil Nadu, against loan amounts of ` 144,000 and ` 27,000, does not decline at the same time or to the same extent as the yield on our interest-earning assets, our financing arrangements are in the form of borrowings from banks.; • fluctuations in market interest rates respectively, were reported to be stolen goods and seized by the police, and (iii) in 2009, in two separate net interest income and net interest margin would be adversely impacted. Additional risks arising from may affect the cost of our borrowings, as some of our indebtedness are at variable interest rates; • there cases, 87 grams of spurious gold and 604 grams of spurious gold were pledged, against loan amounts increasing interest rates include: • reductions in the volume of loans as a result of customers inability to could be a material adverse effect on our business, financial condition and results of operations if we are of ` 93,500 and` 578,500, respectively, with our branches at Trichur West Fort, Kerala and Lajpat Nagar, service high interest rate payments; and • reductions in the value of fixed income securities held in our unable to service our indebtedness or otherwise comply with financial and other covenants specified in New Delhi, respectively. investment portfolio. There can be no assurance that we will be able to adequately manage our interest the financing agreements; and • we may be more vulnerable to economic downturns, may be limited in 19. A decline in our capital adequacy ratio could restrict our future business growth. : As per the revised norms rate risk in the future and, if we are unable to do so, this would have an adverse effect on our net interest our ability to withstand competitive pressures and may have reduced flexibility in responding to changing of RBI, from March 31, 2011, we are required to maintain a capital adequacy ratio of at least 15% of our margin. business, regulatory and economic conditions. Some of our financing agreements also include various risk-weighted assets. Our capital adequacy ratio was 18.24% as of September 30, 2011, with Tier I capital 5. We may not be able to recover the full loan amount, and the value of the collateral may not be sufficient to conditions and covenants that require us to obtain lender consents prior to carrying out certain activities comprising 13.48%. If we continue to grow our loan portfolio and asset base, we will be required to raise cover the outstanding amounts due under defaulted loans. : We extend loans secured by gold jewellery and entering into certain transactions. Failure to meet these conditions or obtain these consents could additional Tier I and Tier II capital in order to continue to meet applicable capital adequacy ratios with provided as collateral by the customer. An economic downturn or sharp downward movement in the price have significant consequences on our business and operations. Specifically, we may require, and may be respect to our business of Gold Loans. There can be no assurance that we will be able to raise adequate of gold could result in a fall in collateral values. In the event of any decrease in the price of gold, customers unable to obtain, lender consents to incur additional debt, issue equity, change our capital structure, additional capital in the future on terms favourable to us, or at all, and this may adversely affect the growth may not repay their loans and the collateral gold jewellery securing the loans may have decreased declare dividend, increase or modify our capital expenditure plans, undertake any expansion, provide of our business. significantly in value, resulting in losses which we may not be able to support. Although we use a additional guarantees, change our management structure, merge with or acquire other companies, or 20. If we fail to maintain effective internal control over financial reporting in the future, the accuracy and timing technology-based risk management system and follow strict internal risk management guidelines on amend its charter documents, whether or not there is any failure by us to comply with the other terms of of our financial reporting may be adversely affected. : We have taken steps intended to enhance our internal portfolio monitoring, which include periodic assessment of loan to security value on the basis of conservative such agreements. Any failure to comply with the requirement to obtain a consent, or other condition or controls commensurate to the size of our business, primarily through the formation of a designated internal market price levels, limits on the amount of margin, ageing analysis and pre-determined loan closure call covenant under our financing agreements that is not waived by our lenders or is not otherwise cured by audit team with additional technical accounting and financial reporting experience. However, certain thresholds, no assurance can be given that if the price of gold decreased significantly, our financial us, may lead to a termination of our credit facilities, acceleration of all amounts due under such facilities matters such as fraud and embezzlement cannot be eliminated entirely given the cash nature of our condition and results of operations would not be adversely affected. The impact on our financial position and trigger cross default provisions under certain of our other financing agreements, and may adversely business. While we expect to remedy any such issues, we cannot assure you that we will be able to do so and results of operations of a hypothetical decrease in gold values cannot be reasonably estimated affect our ability to conduct our business and operations or implement our business plans. Moreover, in a timely manner, which could impair our ability to accurately and timely report our financial position, because the market and competitive response to changes in gold values is not pre-determinable. certain of our loans may be recalled by our lenders at any time. If any of these lenders recall its loans, our results of operations or cash flows. Additionally, we may not be able to realise the full value of our collateral, due to, among other things, cash position, business and operations may be negatively affected. 21. We may experience difficulties in expanding our business into additional geographical markets in India. defects in the quality of gold or wastage on melting gold jewellery into gold bars. In the case of a default, 12. Our loan agreements contain restrictive covenants that may affect our business and operations, some of : While the Gold Loans markets in the South Indian States of Kerala Tamil Nadu, Andhra Pradesh and we typically sell the gold jewellery collateral through auctions primarily to local jewellers and there can which we are currently in breach of or have breached in the past. : The loan agreements that we have entered Karnataka remains and is expected to remain our primary strategic focus, we also evaluate attractive be no assurance that we will be able to sell such gold jewellery provided as collateral at prices sufficient into with certain banks and financial institutions contain restrictive covenants, which among other things growth opportunities in other regions in India and have expanded our operations in the northern, western to cover the amounts under default. In addition, failure by our employees to properly appraise the value require us to obtain prior permission of such banks or financial institutions or to inform them with respect and eastern states of India. We may not be able to leverage our experience in southern India to expand of the collateral provides us with no recourse against the borrower. Moreover, there may be delays to various activities, including, alteration of our capital structure, changes in management, raising of fresh our operations in other regions, should we decide to further expand our operations. Factors such as associated with such auction process. A failure to recover the expected value of collateral security could capital or debt, payment of dividend, undertaking new projects, or undertaking any merger or amalgamation, competition, culture, regulatory regimes, business practices and customs, customer tastes, behavior and expose us to a potential loss. Any such losses could adversely affect our financial condition and results invest by way of share capital or lend to other companies, undertaking guarantee obligations on behalf preferences in these cities where we may plan to expand our operations may differ from those in south of operations. of other companies, and creation of further charge on fixed assets. Additionally, certain loan agreements Indian states of Kerala, Tamil Nadu, Andhra Pradesh and Karnataka and our experience in the States of

6 MUTHOOT FINANCE LIMITED IN THE NATURE OF FORM 2A - MEMORANDUM CONTAINING SALIENT FEATURES OF THE PROSPECTUS Kerala, Tamil Nadu, Andhra Pradesh and Karnataka may not be applicable to these geographies. In at all owned and leased premises which provides insurance cover against loss or damage by fire, earthquake, arrangement. No recourse will generally be available to Company in the event of such seizure, except the addition, as we enter new markets and geographical areas, we are likely to compete not only with other lightning, riot, strike, storm, flood, explosion, aircraft damage, rock slide and missile testing. Further we recovery of the loss from the customer. large banks and financial institutions in the Gold Loan business, but also the local unorganised or semi- maintain insurance cover for employee fidelity, cash and gold in the office premises and in transit which 45. We do not own our branches of operation. : Except for 14 branch offices, which are owned by us, all our organised lenders, who are more familiar with local conditions, business practices and customs, have provides insurance cover against loss or damage by employee theft, burglary, house breaking and hold branches are located on leased premises. If any of the owners of these premises does not renew an stronger relationships with customers and may have a more established brand name. If we plan to expand up. The aggregate insured value covered by the various insurance policies we have subscribed may be less agreement under which we occupy the premises, or if any of the owners seeks to renew an agreement on our geographical footprint, our business may be exposed to various additional challenges, including than the replacement cost of all covered property and may not be sufficient to cover all financial losses terms and conditions unfavorable to us, we may suffer a disruption in our operations or increased costs, obtaining necessary governmental approvals, identifying and collaborating with local business partners that we may suffer should a risk materialise. Further, there are many events that could significantly impact or both, which may adversely affect our business and results of operations. with whom we may have no previous working relationship; successfully gauging market conditions in local our operations, or expose us to third-party liabilities, for which we may not be adequately insured. If we 46. Some of the lease agreements entered into by our Company with respect to our immovable properties may markets with which we have no previous familiarity; attracting potential customers in a market in which were to incur a significant liability for which we were not fully insured, it could have a material adverse not be duly registered or adequately stamped, which may adversely affect our operations. : Some of our lease we do not have significant experience or visibility; being susceptible to local taxation in additional effect on our results of operations and financial position. agreements with respect to our immovable properties may not be adequately stamped or duly registered. geographical areas of India; and adapting our marketing strategy and operations to different regions of 32. Our results of operations could be adversely affected by any disputes with our employees. : As of Unless such documents are adequately stamped or duly registered, such documents may be rendered as India in which other languages are spoken. Our inability to expand our current operations may adversely December 31, 2011, we employed 23,219 persons in our operations. Currently our employees do not inadmissible as evidence in a court in India or attract penalty as prescribed under applicable law, which affect our business prospects, financial conditions and results of operations. belong to any labour union. We do not engage any long term contract employees. While we believe that may result in a material adverse effect on the continuance of the operations and business of our Company. 22. System failures or inadequacy and security breaches in computer systems may adversely affect our business. we maintain good relationships with our employees, there can be no assurance that we will not experience 47. NRIs subscribing to the NCDs are subject to risks in connection with (i) exchange control regulations, and, : Our business is increasingly dependent on our ability to process, on a daily basis, a large number of future disruptions to our operations due to disputes or other problems with our work force, which may (ii) fluctuations in foreign exchange rates. : The NCDs will be denominated in Indian rupees. Various transactions. Our financial, accounting or other data processing systems may fail to operate adequately adversely affect our business and results of operations. statutory and regulatory requirements and restrictions apply in connection with the NCDs held by NRIs. or become disabled as a result of events that are wholly or partially beyond our control, including a 33. Our inability to obtain, renew or maintain our statutory and regulatory permits and approvals required to Amounts payable to NRIs holding the NCDs, on redemption of the NCDs and/or the interest paid/payable disruption of electrical or communications services. If any of these systems do not operate properly or are operate our business may have a material adverse effect on our business. : NBFCs in India are subject to strict inconnection with such NCDs would accordingly be subject to prevailing exchange control regulations. disabled or if there are other shortcomings or failures in our internal processes or systems, it could affect regulations and supervision by the RBI. In addition to the numerous conditions required for the registration Any change in the exchange control regulations may adversely affect the ability of such NRIs to convert our operations or result in financial loss, disruption of our businesses, regulatory intervention or damage as a NBFC with the RBI, we are required to maintain certain statutory and regulatory permits and approvals such amounts into other currencies, in a timely manner or at all. Further, fluctuations in the exchange rates to our reputation. for our business. In the future, we will be required to renew such permits and approvals and obtain new between the Indian rupee and other currencies could adversely affect the amounts realised by NRIs on 23. We may not be able to maintain our current levels of profitability due to increased costs or reduced spreads. permits and approvals for any proposed operations. There can be no assurance that the relevant authorities redemption or payment of interest on the NCDs by our Company. : Our business involves a large volume of small-ticket size loans and requires manual operational support. will issue any of such permits or approvals in the time-frame anticipated by us or at all. Failure by us to EXTERNAL RISK FACTORS Hence, we require dedicated staff or providing our services. In order to grow our portfolio, our expanded renew, maintain or obtain the required permits or approvals may result in the interruption of our operations Risk factors related to India operations will also increase our manpower requirements and push up operational costs. Our growth will and may have a material adverse effect on our business, financial condition and results of operations. In 48. Political instability or changes in the Government of India could adversely affect economic conditions in also require a relatively higher gross spread, or margin, on the consumer lending products we offer in order addition, our branches are required to be registered under the relevant shops and establishments laws of India and consequently our business. : For further details please refer to the Prospectus. to maintain profitability. There can be no assurance that we will be able to maintain our current levels of the states in which they are located. The shops and establishment laws regulate various employment 49. If communal disturbances or riots erupt in India, or if regional hostilities increase, this would adversely affect profitability if the gross spreads on our consumer lending products were to reduce substantially, which conditions, including working hours, holidays and leave and overtime compensation. Some of our branches the Indian economy, and our business, financial condition and results of operations. : For further details could adversely affect our results of operations. have not applied for such registration while other branches still have applications for registration pending. please refer to the Prospectus. 24. Our ability to access capital also depends on our credit ratings. : The cost and availability of capital is also If we fail to obtain or retain any of these approvals or licenses, or renewals thereof, in a timely manner, 50. A slowdown in the economic growth in India could cause our business to suffer. : For further details dependent on our short-term and long-term credit ratings. We have been assigned an ”[ICRA]A1+” rating or at all, our business may be adversely affected. If we fail to comply, or a regulator claims we have not please refer to the Prospectus. by ICRA for commercial paper and for short-term non-convertible debentures of ` 2,000.0 million, and a complied, with any of these conditions, our certificate of registration may be suspended or cancelled and 51. A downgrade of India’s sovereign debt rating may adversely affect our ability to raise additional debt “CRISIL A1+” rating by CRISIL for short term debt instruments of ` 40,000.0 million. We have been we shall not be able to carry on such activities. financing. : For further details please refer to the Prospectus. assigned a “CRISIL AA-/Stable” rating by CRISIL for our ` 5,000.0 million non-convertible debentures 34. We are subject to legal and regulatory risk which may adversely affect our business. : As a non-deposit taking 52. India is vulnerable to natural disasters that could severely disrupt the normal operation of our Business : and our ` 1,000.0 million subordinated debt. ICRA has assigned an ”[ICRA]AA-/Stable” rating for our NBFC, we are subject to a wide variety of financial services laws and regulations and are supervised by For further details please refer to the Prospectus. ` 2,000.0 million non-convertible debentures and our ` 1,000.0 million subordinated debt. We have a large number of regulatory and enforcement authorities in India, including the RBI. The laws and 53. A decline in India’s foreign exchange reserves may affect liquidity and interest rates in the Indian economy, which could adversely impact our financial condition. : For further details please refer to the Prospectus. been assigned a long-term rating of “[ICRA]AA-/Stable” and a short-term rating of “[ICRA]A1+” by ICRA regulations governing the banking and financial services industry in India have become increasingly 54. Companies operating in India are subject to a variety of central and state government taxes and surcharges. for our ` 93,530 million line of credit. Ratings reflect a rating agency’s opinion of our financial strength, complex and cover a wide variety of issues, such as capital adequacy, exposure and other prudential : For further details please refer to the Prospectus. operating performance, strategic position, and ability to meet our obligations. While our recent credit norms, interest rates, liquidity, securitisation, investments, ethical issues, know-your-customer guidelines, Risks relating to the Issue ratings have been positive, any downgrade of our credit ratings would increase borrowing costs and money laundering and privacy, with sometimes overlapping enforcement authorities. For instance, a 55. We cannot guarantee the accuracy or completeness of facts and other statistics with respect to India, the constrain our access to capital and lending markets and, as a result, would negatively affect our business. number of states in India have enacted laws to regulate money lending transactions. These state laws Indian economy and the NBFC and Gold Loan industries contained in the Prospectus. : While facts and other In addition, downgrades of our credit ratings could increase the possibility of additional terms and conditions establish maximum rates of interest that can be charged by a person lending money. The RBI, however, statistics in the Prospectus relating to India, the Indian economy as well as the Gold Loan industry has being added to any new or replacement financing arrangements. has not established a ceiling on the rate of interest that can be charged by a NBFC in our sector of been based on various publications and reports from agencies that we believe are reliable, we cannot 25. We may be subject to regulations in respect of provisioning for non-performing assets that are less stringent operations. Currently, the RBI requires that the board of all NBFCs adopt an interest rate policy taking into guarantee the quality or reliability of such materials, particularly since there is limited publicly available than in some other countries. : RBI guidelines prescribe the provisioning required in respect of our account relevant factors such as the cost of funds, margin and risk premium. The rate of interest and the information specific to the Gold Loan industry. While we have taken reasonable care in the reproduction outstanding loan portfolio. These provisioning requirements may require us to reserve lower amounts than approach for gradation of risk and the rationale for charging different rates of interest for different categories of such information, industry facts and other statistics have not been prepared or independently verified the provisioning requirements applicable to financial institutions and banks in other countries. The of borrowers are required to be disclosed to the borrowers in the application form and expressly communicated by us or any of our respective affiliates or advisers and, therefore we make no representation as to their provisioning requirements may also require the exercise of subjective judgments of management. The in the sanction letter. accuracy or completeness. These facts and other statistics include the facts and statistics included in the level of our provisions may not be adequate to cover further increases in the amount of our non-performing 35. Major lapses of control, system failures or calamities could adversely impact our business. : We are section titled “About the Issuer and Industry Overview” of the Prospectus.. Due to possibly flawed or assets or a decrease in the value of the underlying gold collateral. If such provisions are not sufficient to vulnerable to risks arising from the failure of employees to adhere to approved procedures, failures of ineffective data collection methods or discrepancies between published information and market practice provide adequate cover for loan losses that may occur, or if we are required to increase our provisions, this security system, information system disruptions, communication systems failure and data interception and other problems, the statistics herein may be inaccurate or may not be comparable to statistics produced could have an adverse effect on our financial condition, liquidity and results of operations and may require during transmission through external communication channels and networks. Failure to detect these elsewhere and should not be unduly relied upon. Further, there is no assurance that they are stated or us to raise additional capital. breaches in security may adversely affect our operations. compiled on the same basis or with the same degree of accuracy, as the case may be, elsewhere. 26. We may have to comply with stricter regulations and guidelines issued by regulatory authorities in India. 36. Our ability to borrow from various banks may be restricted on account of guidelines issued by the RBI 56. There are other lenders and debenture trustees who have pari passu charge over the Security provided : There : We are regulated principally by and have reporting obligations to the RBI. We are also subject to the imposing restrictions on banks in relation to their exposure to NBFCs. : Under RBI Master Circular No. RBI/ are other lenders and debenture trustees of the Company who have pari passu charge over the Security corporate, taxation and other laws in effect in India. The regulatory and legal framework governing us 2010-11/68 DBOD No.Dir.BC.14/13.03.00/ 2010-11 issued on July 1, 2010, the exposure (both lending provided for the Issue. While the Company is required to maintain an asset cover of 1 time the outstanding differs in certain material respects from that in effect in other countries and may continue to change as and investment, including off balance sheet exposures) of a bank to a single NBFC should not exceed amount of the NCDs, upon the Company’s bankruptcy, winding-up or liquidation, the other lenders and India’s economy and commercial and financial markets evolve. In recent years, existing rules and regulations 10%, of the bank’s capital funds as per its last audited balance sheet. Banks may, however, assume debenture trustees will rank pari passu with the NCD holders and to that extent, may reduce the amounts have been modified, new rules and regulations have been enacted and reforms have been implemented exposures on a single NBFC up to 15%, of their capital funds provided the exposure in excess of 10% is recoverable by the NCD holders. As per Regulation 17(2) read with Schedule I of the SEBI Debt Regulations, which are intended to provide tighter control and more transparency in India’s Gold Loan industry. Moreover, on account of funds on-lent by the NBFC to the infrastructure sector. Further, banks may also consider fixing the Company is required to obtain permissions / consents from the prior creditors in favour of the debenture new regulations may be passed that restrict our ability to do business. For example, regulatory restrictions internal limits for their aggregate exposure to all NBFCs put together. This limits the exposure that banks trustee for creation of such pari passu charge and the same is required to be disclosed. Accodingly, the on securitisation may be extended to bilateral assignment transactions, resulting in loss of arbitrage may have on NBFCs such as us, which may restrict our ability to borrow from such banks and may increase Company has applied for and obtained consent from all other lenders and debenture trustees for creation options. We cannot assure you that we will not be subject to any adverse regulatory action in the future. our cost of borrowing, which could adversely impact our growth, margins and business operations. of a first pari passu charge over the Security. Further, these regulations are subject to frequent amendments and depend upon government policy. Our 37. We have entered into certain transactions with related parties. : We have entered into transactions with 57. Changes in interest rate may affect the price of our NCD : All securities where a fixed rate of interest is present operations may not meet all regulatory requirements or subsequent regulatory amendments. The several related parties, including our Promoters, Directors and Group Entities. We can give no assurance offered, such as our NCDs, are subject to price risk. The price of such securities will vary inversely with costs of compliance may be high, which may affect our profitability. If we are unable to comply with any that we could not have achieved more favourable terms had such transactions not been entered into with changes in prevailing interest rates, i.e. when interest rates rise, prices of fixed income securities fall and such regulatory requirements, our business and results of operations may be materially and adversely related parties. Furthermore, it is likely that we will enter into related party transactions in the future. There when interest rates drop, the prices increase. The extent of fall or rise in the prices is a function of the affected. can be no assurance that such transactions, individually or in the aggregate, will not have an adverse effect existing coupon, days to maturity and the increase or decrease in the level of prevailing interest rates. 27. Our loan portfolio is not classified as priority sector advances by the RBI. : The RBI currently mandates on our financial condition and results of operations. The transactions we have entered into and any future Increased rates of interest, which frequently accompany inflation and/or a growing economy, are likely to domestic commercial banks operating in India to maintain an aggregate 40.0% (32.0% for foreign banks) transactions with our related parties have involved or could potentially involve conflicts of interest. For have a negative effect on the price of our NCDs. of their adjusted net bank credit or credit equivalent amount of off-balance sheet exposure, whichever is further details please refer to the Prospectus. 58. You may not be able to recover, on a timely basis or at all, the full value of the outstanding amounts and/ higher as “priority sector advances”. These include advances to agriculture, small enterprises, exports and 38. We have not entered into any definitive agreements to utilise a substantial portion of the net proceeds of or the interest accrued thereon in connection with the NCDs. : Our ability to pay interest accrued on the NCDs similar sectors where the Government seeks to encourage flow of credit for developmental reasons. Banks the Issue. : We intend to use the Net Proceeds for the purposes described in the “Objects of the Issue” of and/or the principal amount outstanding from time to time in connection therewith would be subject to in India that have traditionally been constrained or unable to meet these requirements organically, have the Prospectus. We currently intend to use the Net Proceeds from the Issue to fund our growth. Our various factors inter-alia including our financial condition, profitability and the general economic conditions relied on specialised institutions like our Company that are better positioned to or focus on originating management will have broad discretion to use the Net Proceeds and you will be relying on the judgment in India and in the global financial markets. We cannot assure you that we would be able to repay the such assets through on-lending or purchase of assets or securitised pools to comply with these targets. As of our management regarding the application of these Net Proceeds. Our funding requirements are based principal amount outstanding from time to time on the NCDs and/or the interest accrued thereon in a per our audited financial statements, our outstanding amounts of sold portfolio under bilateral assignments on current conditions and are subject to change in light of changes in external circumstances or in our timely manner or at all. Although our Company will create appropriate security in favour of the Debenture were ` 8,130.2 million, ` 20,083.2 million,` 41,863.9 million and ` 25,875.0 million for the years financial condition, business or strategy. Our management, in response to the competitive and dynamic Trustee for the NCD holders on the assets adequate to ensure 100% asset cover for the NCDs, which shall ended March 31, 2009, 2010, 2011 and as per the audited financial statements for the period ended nature of the industry, will have the discretion to revise its business plan from time to time. Any such be free from any encumbrances, the realisable value of the assets charged as security, when liquidated, September 30, 2011, respectively. The entire portfolio sold under bilateral assignments were categorised change in our plans may require rescheduling of our current plans or discontinuing existing plans and an may be lower than the outstanding principal and/or interest accrued thereon in connection with the NCDs. as a priority sector advance for the years ended March 31, 2009, 2010, partly of ` 33,737.0 million for the increase or decrease in the fund requirements for the objects, at the discretion of the management. A failure or delay to recover the expected value from a sale or disposition of the assets charged as security year ended March 31,2011 and partly of ` 18,970.40 million for the period ended September 30, 2011. Pending utilisation for the purposes described above, we intend to temporarily invest the funds in interest in connection with the NCDs could expose you to a potential loss. Notification issued by the RBI in February 2011, has stipulated that loans sanctioned to NBFCs for on bearing liquid instruments including deposits with banks and investments in liquid (not equity) mutual 59. If we do not generate adequate profits, we may not be able to maintain an adequate DRR for the NCDs issued lending to individuals or other entities against gold jewellery would not be eligible for classification as funds. Such investments would be in accordance with the investment policies approved by our Board from pursuant to the Prospectus. : Section 117C of the Act states that any company that intends to issue agriculture sector advances in the context of priority sector lending guidelines issued by RBI. Accordingly, time to time. debentures must create a DRR to which adequate amounts shall be credited out of the profits of the our ability to raise capital by selling down our gold loan portfolio under bilateral assignments will be 39. We continue to be controlled by our Promoters and they will continue to have the ability to exercise company until the debentures are redeemed. The Ministry of Corporate Affairs has, through its circular hampered in the future and impact our ability to raise funds through loans from banks, which may adversely significant control over us. : Our Promoters along with relatives hold, 80.12% of our outstanding Equity dated April 18, 2002, (“Circular”), specified that the quantum of DRR to be created before the redemption affect our financial condition and results of operations. Shares as on December 31, 2011. As a result, our Promoters will continue to exercise significant control liability actually arises in normal circumstances should be ‘adequate’ to pay the value of the debentures 28. Our ability to assess, monitor and manage risks inherent in our business differs from the standards of some over us, including being able to control the composition of our Board and determine matters requiring plus accrued interest, (if not already paid), till the debentures are redeemed and cancelled. The Circular of our counterparts in India and in some developed countries. : We are exposed to a variety of risks, including shareholder approval or approval of our Board. Our Promoters may take or block actions with respect to however further specifies that, for NBFCs like our Company, (NBFCs which are registered with the RBI liquidity risk, interest rate risk, credit risk, operational risk and legal risk. The effectiveness of our risk our business, which may conflict with our interests or the interests of our minority shareholders. By exercising under Section 45-IA of the RBI Act), the adequacy of the DRR will be 50% of the value of debentures management is limited by the quality and timeliness of available data. Our hedging strategies and other their control, our Promoters could delay, defer or cause a change of our control or a change in our capital issued through the public issue. Accordingly our Company is required to create a DRR of 50% of the value risk management techniques may not be fully effective in mitigating our risks in all market environments structure, delay, defer or cause a merger, consolidation, takeover or other business combination involving of debentures issued through the public issue. As further clarified by the Circular, the amount to be or against all types of risk, including risks that are unidentified or unanticipated. Some methods of us, discourage or encourage a potential acquirer from making a tender offer or otherwise attempting to credited as DRR will be carved out of the profits of the company only and there is no obligation on the managing risks are based upon observed historical market behaviour. As a result, these methods may not obtain control of us. part of the company to create DRR if there is no profit for the particular year. Accordingly, if we are unable predict future risk exposures, which could be greater than the historical measures indicated. Other risk 40. Our business strategy may change in the future and may be different from that which is contained herein. to generate adequate profits, the DRR created by us may not be adequate to meet the 50% of the value management methods depend upon an evaluation of information regarding markets, customers or other : Our current business strategy is to expand our branch network and increase our Gold Loan portfolio. We of the NCDs. This may have a bearing on the timely redemption of the NCDs by our Company. matters. This information may not in all cases be accurate, complete, up-to-date or properly evaluated. cannot assure you that we will continue to follow these business strategies. In the future, we may decide 60. There may be no active market for the NCDs on the retail debt market/capital market segment of the BSE Management of operational, legal or regulatory risk requires, among other things, policies and procedures to diversify into other businesses. We may also explore opportunities for expansion into new geographic Limited. As a result the liquidity and market prices of the NCDs may fail to develop and may accordingly be to properly record and verify a number of transactions and events. Although we have established these markets outside India. We have stated our objectives for raising funds through the Issue and have set forth adversely affected. : There can be no assurance that an active market for the NCDs will develop. If an active policies and procedures, they may not be fully effective. Our future success will depend, in part, on our our strategy for our future business herein. However, depending on prevailing market conditions and other market for the NCDs fails to develop or be sustained, the liquidity and market prices of the NCDs may be ability to respond to new technological advances and emerging financing institution and Gold Loan commercial considerations, our business model in the future may change from what is described herein. adversely affected. The market price of the NCDs would depend on various factors inter alia including (i) industry standards and practices on a cost-effective and timely basis. The development and implementation 41. Our Promoters, Directors and related entities have interests in a number of entities, which are in businesses the interest rate on similar securities available in the market and the general interest rate scenario in the of such technology entails significant technical and business risks. There can be no assurance that we will similar to ours and this may result in potential conflicts of interest with us. : Certain decisions concerning our country, (ii) the market price of our Equity Shares, (iii) the market for listed debt securities, (iv) general successfully implement new technologies or adapt our transaction-processing systems to customer operations or financial structure may present conflicts of interest among our Promoters, other shareholders, economic conditions, and, (v) our financial performance, growth prospects and results of operations. The requirements or emerging market standards. Directors, executive officers and the holders of the NCDs. Our Promoters, Directors and related entities aforementioned factors may adversely affect the liquidity and market price of the NCDs, which may trade 29. Any failure by us to identify, manage, complete and integrate acquisitions, divestitures and other significant have interests in the following entities that are engaged in businesses similar to ours: Companies: 1. at a discount to the price at which you purchase the NCDs and/or be relatively illiquid. transactions successfully could adversely affect our results of operations, business and prospects. : As part of Muthoot Vehicle & Asset Finance Limited 2. Geo Bros Muthoot Funds (India) Limited 3. Emgee Muthoot 61. There may be a delay in making refund to applicants : We cannot assure you that the monies refundable our business strategy, we may acquire complementary companies or businesses, divest non-core businesses Benefit Fund (India) Limited 4. Muthoot M George Permanent Fund Limited 5. Muthoot Gold Funds to you, on account of (i) withdrawal of your applications, (ii) our failure to receive minimum subscription or assets, enter into strategic alliances and joint ventures and make investments to further expand our Limited 6. Muthoot Synergy Fund Limited 7. Muthoot M George Chits (India) Limited 8. Muthoot Finance in connection with the Base Issue, (ii) withdrawal of the Issue, or (iii) failure to obtain the final approval business. In order to pursue this strategy successfully, we must identify suitable candidates for and UK Limited Partnership firms: 1. Muthoot General Finance 2. Muthoot Insurance Advisory Services 3. from the BSE for listing of the NCDs, will be refunded to you in a timely manner. We however, shall refund successfully complete such transactions, some of which may be large and complex, and manage the Emgee Insurance Services 4. Geo Financial Services 5. Muthoot Bankers (Kottayam) 6. Muthoot Bankers such monies, with the interest due and payable thereon as prescribed under applicable statutory and/or integration of acquired companies or employees. We may not fully realise all of the anticipated benefits (Quilon) 7. Muthoot Bankers (Edapally) 8. Muthoot Investments 9. Muthoot Bankers (Alleppey) 10. Muthoot regulatory provisions. of any such transaction within the anticipated time frame or at all. Any increased or unexpected costs, M George Chitty Fund 11. Muthoot M George Bankers (Trivandrum) 12. Muthoot M George Chits (Bangalore) 62. Any downgrading in credit rating of our NCDs may affect the value of NCDs and thus our ability to raise unanticipated delays or failure to achieve contractual obligations could make such transactions less 13. Muthoot Bankers (Pathanapuram) 14. Muthoot Financiers (Pathanapuram) 15. Muthoot M George further debts. : The NCDs proposed to be issued under this Issue have been rated ‘[ICRA] AA-/Stable’ by profitable or unprofitable. Managing business combination and investment transactions requires varying Financiers (Faridabad) 16. Muthoot Bankers (Faridabad) 17. Muthoot Bankers (Pathanamthitta) 18. Muthoot ICRA for an amount of upto ` 6,000.00 million vide its letter dated February 06, 2012 and ‘CRISIL AA- levels of management resources, which may divert our attention from other business operations, may Bankers (Cochin) 19. Muthoot Bankers (Bangalore). Commercial transactions in the future between us and /Stable’ by CRISIL for an amount of upto ` 6,000.00 million vide its letter dated February 06, 2012. The result in significant costs and expenses and charges to earnings. The challenges involved in integration related parties could result in conflicting interests. A conflict of interest may occur between our business rating of the NCDs by ICRA and CRISIL indicates a high degree of safety regarding timely servicing of include: • combining product offerings and entering into new markets in which we are not experienced; and the business of our Promoter group companies which could have an adverse affect on our operations. financial obligations. The ratings provided by ICRA and CRISIL may be suspended, withdrawn or revised • consolidating and maintaining relationships with customers; • consolidating and rationalising transaction Conflicts of interest may also arise out of common business objectives shared by us, our Promoters, at any time by the assigning rating agency and should be evaluated independently of any other rating. directors and their related entities. Our Promoters, directors and their related entities may compete with These ratings are not a recommendation to buy, sell or hold securities and investors should take their own processes and corporate and IT infrastructure; • integrating employees and managing employee issues; decisions. Please refer to the Prospectus for rating letter and rationale for the above rating. • coordinating and combining administrative and other operations and relationships with third parties in us and have no obligation to direct any opportunities to us. There can be no assurance that these or other conflicts of interest will be resolved in an impartial manner. 63. Securities on our NCDs rank as paripassu with our Company’s secured indebtedness : Substantially all accordance with applicable laws and other obligations while maintaining adequate standards, controls of our Company’s current assets represented mainly by Gold Loan receivables are being used to secure and procedures; • achieving savings from infrastructure integration; and • managing other business, 42. We are significantly dependent on our management team and our ability to attract and retain talent. : We are significantly dependent upon a core management team who oversee the day-to-day operations, our Company’s debt. As at December 31, 2011 our Company’s secured debt was ` 151,310.45 million. infrastructure and operational integration issues. Any such acquisition may also result in earnings dilution, Securities on our NCDs will rank pari passu with any of our Company’s secured obligations with respect the amortisation of goodwill and other intangible assets or other charges to operations, any of which could strategy and growth of our businesses. Many of the key management personnel have been with us since our inception and have been integral to our development. Our success is largely dependent on the to the assets that secure such obligations. The terms of the NCDs do not prevent our Company from have a material adverse effect on our business, financial condition or results of operations. These acquisitions incurring additional debt. In addition, the NCDs will rank pari passu to the existing and future indebtedness may give rise to unforeseen contingent risks or latent liabilities relating to these businesses that may only management team who ensure the implementation of our strategy. If one or more members of our core management team were unable or unwilling to continue in their present positions, such persons may be and other secured liabilities and obligations of our Company. become apparent after the merger or the acquisition is finalised. 64. Security provided for the Issue may not be enforceable : We have certain proceedings pending under the 30. In order to be successful, we must attract, retain and motivate key employees, and failure to do so could difficult to replace, and our business could be adversely affected. 43. Our employees may be the target of theft, burglary and other crimes which may adversely affect our business, IT Act before the Income Tax Appellate Tribunal. Under Section 281 of the IT Act and circular bearing adversely affect our business. : In order to be successful, we must attract, train, motivate and retain highly number 04/2011 dated July 19, 2011, our Company is required to obtain prior consent of the assessing skilled employees, especially branch managers and gold assessment technical personnel. If we cannot operations, and ability to recruit and retain employees. : We handle large amount of cash and gold jewellery items in our daily operation and are exposed to risks of theft, burglary and other crimes. Our employees officer to create the Security provided for the Issue to the extent classified as assets under Section 281 of hire additional personnel or retain existing qualified personnel, our ability to expand our business will be the IT Act, during the pendency of such proceedings. We have made an application to the relevant impaired and our revenue could decline. Hiring and retaining qualified and skilled managers and sales may therefore become targets of violence if they are present when these crimes are committed, and may sustain physical and psychological injuries as a result. We may encounter difficulties recruiting and assessing officer seeking such prior consent on February 06, 2012. In the event that such consent is not representatives are critical to our future, and competition for experienced employees in the Gold Loan granted, the Security provided for the Issue to the extent classified as ‘Assets’ under Section 281 of the industry can be intense. In addition, we may not be able to hire and retain enough skilled and experienced retaining qualified employees due to this risk and our business and operations may be adversely affected. 44. Our internal procedures, on which we rely for obtaining information on our customers and loan collateral, IT Act will be void as against any claim in respect of any tax or any other sum payable by the Company, employees to replace those who leave, or may not be able to re-deploy and retain our employees to keep including as a result of the completion of these proceedings. pace with continuing changes in technology, evolving standards and changing customer preferences. The may be deficient and result in business losses. : We rely on our internal procedures for obtaining information on our customers and loan collateral provided. In the event of lapses or deficiencies in our procedures or Risks relating to the NCDs failure to hire key executives or employees or the loss of executives and key employees could have a in their implementation, we may be subject to business or operational risk. For example, in the event that 65. The fund requirement and deployment mentioned in the Objects of the Issue have not been appraised by significant impact on our operations. we unknowingly receive stolen goods as collateral from a customer, the goods can be seized by authorities. any bank or financial institution : We intend to use the proceeds of the Issue, after meeting the expenditures 31. Our insurance coverage may not be adequate to protect us against all potential losses to which we may be Once seized by the authorities, gold items will be stored in court storage facilities without a surety of and related to the Issue, for our various financing activities including lending and investments, subject subject. : We maintain insurance cover for our free hold real estate and tangible properties and infrastructure to applicable statutory and/or regulatory requirements, to repay our existing loans and our business MUTHOOT FINANCE LIMITED 7 IN THE NATURE OF FORM 2A - MEMORANDUM CONTAINING SALIENT FEATURES OF THE PROSPECTUS operations including for our capital expenditure and working capital requirements. For further details, see 66. Prominent Notes : • This is a public issue of NCDs aggregating upto ` 2,500 million with an option Company to the investors at large and no selective or additional information would be available for a section titled “Objects of the Issue” beginning of the Prospectus. The fund requirement and deployment to retain over-subscription upto ` 2,500 million for issuance of additional NCDs aggregating to a total section of investors in any manner whatsoever. • Investors may contact the Registrar to the Issue, Compliance is based on internal management estimates and has not been appraised by any bank or financial institution. of upto ` 5,000 million. • For details on the interest of our Company’s Directors, please refer to the sections Officer, the Lead Managers for any complaints pertaining to the Issue. In case of any specific queries on The management will have significant flexibility in applying the proceeds received by us from the Issue. titled “Our Management” and “Capital Structure” of the Prospectus. • Our Company has entered into certain allotment/refund, Investor may contact the Registrar to the Issue. • In the event of oversubscription to the Further, as per the provisions of the Debt Regulations, we are not required to appoint a monitoring agency related party transactions, within the meaning of AS 18 as notified by the Companies (Accounting Issue, allocation of NCDs will be as per the “Basis of Allotment” set out in the Prospectus. • Our Equity and therefore no monitoring agency has been appointed for this Issue. Standards) Rules, 2006, as disclosed in the section titled “Financial Information” of the Prospectus. • Any Shares are listed on the NSE and BSE. • As of September 30, 2011, we had certain contingent liabilities clarification or information relating to the Issue shall be made available by the Lead Managers and our not provided for, amounting to ` 3,229.35 million. For further details please refer to the Prospectus. GENERAL INFORMATION Our Company was originally incorporated as a private limited company on March 14, 1997 under the provisions SUMMARY FINANCIAL INFORMATION COMPANY MAY DO SO PURSUANT TO INDEPENDENT INQUIRY, INVESTEGATION of the Companies Act, 1956, with the name “The Muthoot Finance Private Limited”. Subsequently, by a fresh The following tables present an extract of Reformatted Summary Financial Statements. The Reformatted AND ANALYSIS AND SHALL NOT HAVE ANY CLAIM AGAINST THE EXCHANGE certificate of incorporation dated May 16, 2007, our name was changed to “Muthoot Finance Private Limited”. Summary Financial Statements should be read in conjunction with the examination report thereon issued by WHATSOEVER BY REASON OF ANY LOSS WHICH MAY BE SUFFERED BY SUCH Our Company was converted into a public limited company on November 18, 2008 with the name “Muthoot our Statutory Auditors and statement of significant accounting policies and notes to accounts on the Reformatted PERSON CONSEQUENT TO OR IN CONNECTION WITH SUCH SUBSCRIPTION/ Finance Limited” and received a fresh certificate of incorporation consequent to change in status on Summary Financial Statements contained, For further details please refer to the Prospectus. ACQUISITION WHETHER BY REASON OF ANYTHING STATED OR OMITTED TO BE December 02, 2008 from the Registrar of Companies, Kerala and Lakshadweep. Registered Office : Muthoot ANNEXURE-I: REFORMATTED SUMMARY STATEMENT OF ASSETS AND LIABILITIES STATED HEREIN OR FOR ANY OTHER REASON WHATSOEVER. Finance Limited, Muthoot Chambers, Opposite Saritha Theatre Complex, 2ndFloor, Banerji Road, Kochi 682 ` In Millions Disclaimer Clause of the RBI : THE COMPANY IS HAVING A VALID CERTIFICATE OF 018 Kerala, India. • Tel: (91 484) 239 4712 • Fax: (91 484) 239 6506 • Website: www.muthootfinance.com • Particulars Sche- As at As at As at As at As at As at REGISTRATION DATED DECEMBER 12, 2008 ISSUED BY THE RESERVE BANK OF Email: [email protected] • For details of change in registered office, refer to the section titled “History and dule September March March March March March INDIA UNDER SECTION 45 IA OF THE ACT, 1934. HOWEVER, Main Objects” of the Prospectus. Registration : Registration Number: 011300. Corporate Identity Number: No. 30, 2011 31, 2011 31, 2010 31, 2009 31, 2008 31, 2007 THE RBI DOES NOT ACCEPT ANY RESPONSIBILITY OR GUARANTEE ABOUT THE L65910KL1997PLC011300 issued by the Registrar of Companies, Kerala and Lakshadweep. Certificate of I Fixed Assets I PRESENT POSITION AS TO THE FINANCIAL SOUNDNESS OF THE COMPANY OR registration bearing number N. 16.00167 under Section 45IA of the RBI Act, 1934 from the RBI dated Gross Block 2,911.60 2,463.34 1,691.09 1,482.66 1,215.25 646.37 FOR THE CORRECTNESS OF ANY OF THE STATEMENTS OR REPRESENTATIONS December 12, 2008 from the RBI to carry on the business of a non-banking financial institution without Less: Accumulated Depreciation/Amortization 760.69 627.77 449.04 320.76 222.74 149.48 MADE OR OPINIONS EXPRESSED BY THE COMPANY AND FOR REPAYMENT OF accepting public deposits. Net Block 2,150.91 1,835.57 1,242.05 1,161.90 992.51 496.89 DEPOSITS/ DISCHARGE OF LIABILITY BY THE COMPANY. Impersonation : As a matter of abundant precaution, attention of the investors is specifically drawn to the Capital Work in Progress 473.94 505.27 290.65 131.19 93.64 135.40 Listing : The NCDs proposed to be offered in pursuance of the Prospectus will be provisions of sub-section (1) of section 68A of the Act, relating to punishment for fictitious applications. 2,624.85 2,340.84 1,532.71 1,293.10 1,086.15 632.29 listed on the BSE. We have received the in-principle approval dated Minimum Subscription : Under the Debt Regulations, our Company is required to stipulate a minimum II Investments II 75.05 75.05 75.05 85.31 183.43 242.15 February 22, 2012 from the BSE. If permissions to deal in and for an official subscription amount which it seeks to raise. The consequence of minimum subscription amount not being III Deferred Tax Assets, (Net) 5.06 (24.73) (-24.84) (-37.87) (-41.73) (-47.31) quotation of our NCDs are not granted by the BSE, our Company will forthwith raised is that the Issue shall not proceed and the entire application moneys received are refunded to the IV Current Assets, Loans and Advances repay, without interest, all moneys received from the applicants in pursuance of Applicants. If our Company does not receive the minimum subscription of 75% of the Base Issue i.e. ` 1,875 Sundry Debtors III 159.37 53.94 33.45 40.95 34.92 21.66 the Prospectus. Our Company shall ensure that all steps for the completion of the million, prior to the Issue Closing Date, the entire subscription amount shall be refunded to the Applicants Cash and Bank Balances IV 13,322.22 13,754.95 5,759.92 8,825.32 2,580.38 563.21 necessary formalities for listing and commencement of trading at the stock exchange within 30 days from the date of closure of the Issue. If there is delay in the refund of subscription by more than Other Current Assets V 6,521.71 5,919.68 2,408.14 1,658.09 967.91 787.06 mentioned above are taken within 15 working days from the date of allotment. For eight days after our Company becomes liable to refund the subscription amount, our Company will pay interest Loans and Advances VI 1,84,504.85 1,17,517.75 54,616.99 25,735.53 18,046.59 13,893.02 the avoidance of doubt, it is hereby clarified that in the event of non subscription for the delayed period, at rates prescribed under sub-sections (2) and (2A) of Section 73 of the Companies Act, 2,04,508.15 1,37,246.32 62,818.49 36,259.89 21,629.80 15,264.95 to any one or more of the Options, such NCDs with Option(s) shall not be listed. 1956. Consents : For details please refer to the Prospectus. Utilisation of Issue proceeds A= (I+II+III+IV) 2,07,213.11 1,39,637.48 64,401.41 37,600.43 22,857.65 16,092.08 V Liabilities and Provisions Expert Opinion : For details please refer to the Prospectus. Our Board of Directors certifies that: • all monies received out of the Issue shall be credited/transferred to a Common form of Transfer : For details please refer to the Prospectus. separate bank account other than the bank account referred to in sub-section (3) of Section 73 of the Act; • details Secured Loans VII 1,34,849.95 1,02,111.55 45,471.22 30,087.45 18,400.19 13,117.52 Unsecured Loans VIII 37,717.95 17,274.31 7,334.03 1,568.48 752.87 709.00 Minimum Subscription : For details please refer to the Prospectus. of all monies utilised out of the Issue referred above shall be disclosed under an appropriate separate head Filing of the Draft Prospectus and Prospectus : The Draft Prospectus has been filed in our balance sheet indicating the purpose for which such monies have been utilised; • details of all unutilised Current Liabilities IX 5,842.72 3,878.71 4,524.35 1,805.57 1,224.88 459.10 monies out of the Issue, if any, shall be disclosed under an appropriate head in our balance sheet indicating Provisions X 2,682.22 3,031.00 1,229.90 524.46 348.65 214.43 with the Designated Stock Exchange in terms of Regulation 7 of the Debt Regulations the form in which such unutilised monies have been invested; and • we shall utilize the Issue proceeds only B=(V) 1,81,092.84 1,26,295.56 58,559.50 33,985.96 20,726.59 14,500.06 for dissemination on their website. A copy of the Prospectus has been filed with upon creation of security as stated in the Prospectus in the section titled “Issue Structure” of the Prospectus. NET WORTH A-B 26,120.27 13,341.92 5,841.92 3,614.47 2,131.07 1,592.03 the ROC, Kerala and Lakshadweep, in terms of Sections 56 and 60 of the Companies Net Worth Represented by Act, 1956. Debenture Redemption Reserve : For details please refer to the Prospectus. • the Issue proceeds shall not be utilized towards full or part consideration for the purchase or any other Issue Related Expenses : For details please refer to the Prospectus. acquisition, inter alia by way of a lease, of any property. Share Capital XI Underwriting : This Issue has not been underwritten. Issue Programme : The subscription list shall remain open at the commencement of banking hours and close - Equity Shares 3,717.13 3,202.13 3,010.00 490.00 50.00 50.00 at the close of banking hours for the period as indicated, with an option for early closure or extension by such Details regarding the Company and other listed companies under the same management Reserves and Surplus within the meaning of section 370(1B), which made any capital issue during the last period, as may be decided by the duly authorised committee of the Board constituted by resolution of the Board - Securities Premium XII 10,570.78 2,364.77 - 755.00 275.00 275.00 dated July 25, 2011. In the event of such early closure of subscription list of the Issue, our Company shall ensure three years : On May 03, 2011, our Company issued and allotted 51,500,000 equity - Statutory Reserve XIII 2,794.04 1,982.02 993.67 538.52 343.08 215.89 shares at a price of ` 175 per such Equity Share, amounting to an aggregate of that notice of such early closure is given on or before the day of such early date of closure through advertisement/ - Surplus/ (Deficit) in Profit and Loss Account XIV 9,043.25 5,795.20 1,841.79 1,918.75 1,555.50 1,052.04 s in a leading national daily newspaper. ` 9,012,500,000 pursuant to an initial public offer under the SEBI (Issue of Capital Miscellaneous Expenditure XV (4.93) (2.21) (3.54) (87.80) (92.51) (0.90) and Disclosure Requirements) Regulations, 2009 which opened on April 18, 2011 ISSUE OPENS ON MARCH 02, 2012 (to the extent not written off) and closed on April 21, 2011. The electronic credit of the equity shares to investors NET WORTH 26,120.27 13,341.92 5,841.92 3,614.47 2,131.07 1,592.03 ISSUE CLOSES ON MARCH 17, 2012 pursuant to the initial public offer was completed on May 04, 2011. There are no ANNEXURE-II: REFORMATTED SUMMARY STATEMENT OF PROFITS AND LOSSES listed companies under the same management within the meaning of Section CAPITAL STRUCTURE ` In Millions 370(1) (B) of the Companies Act, 1956. Details of share capital Particulars Sche- For the For the For the For the For the For the Commissions and Brokerage on previous issue : ` 151.25 million was incurred towards The share capital of our Company as at date of the Prospectus is set forth below: dule period year year year year year lead management fees, underwriting and selling commission in connection with Amount in ` No. ended ended ended ended ended ended the public issue of 51,500,000 equity shares at a price of ` 175 per such Equity A Authorised share capital September March March March March March Share, pursuant to an initial public offer under the SEBI (Issue of Capital and 30, 2011 31, 2011 31, 2010 31, 2009 31, 2008 31, 2007 Disclosure Requirements) Regulations, 2009. ` 127.74 million was incurred towards 450,000,000 Equity Shares 4,500,000,000 INCOME lead management fees, and selling commission in connection with the public issue 5,000,000 Redeemable Preference Shares of ` 1,000.00 each 5,000,000,000 Interest Income XVI 20,126.05 22,983.44 10,774.52 6,062.39 3,579.37 2,235.85 of 6,932,813 secured non-convertible debentures of face value ` 1,000 each TOTAL 9,500,000,000 Other Income XVII 119.39 175.24 119.28 141.63 107.01 103.80 issued at face value, pursuant to a public issue under the Debt Regulations. B Issued, subscribed and paid-up share capital Total Income 20,245.44 23,158.68 10,893.80 6,204.02 3,686.38 2,339.65 ` 75.09 million was incurred towards lead management fees, and selling commission 371,712,768 Equity Shares 3,717,127,680 in connection with the public issue of 4,593,198 secured non-convertible debentures EXPENDITURE of face value ` 1,000 each issued at face value, pursuant to a public issue under Changes in the authorised capital of our Company as on the date of the Prospectus: Interest Expense XVIII 9,858.76 10,326.44 4,737.28 3,097.70 1,797.99 998.95 the Debt Regulations. Details of increase in authorised share capital since incorporation For further details please refer to the Prospectus. Personnel Expenses XIX 1,751.90 2,209.49 1,169.44 677.01 405.35 266.31 Public / Rights Issues : On May 03, 2011, our Company issued and allotted 51,500,000 Notes to capital structure For further details please refer to the Prospectus. Administrative & Other Expenses XX 2,322.82 2,638.99 1,190.43 727.93 390.21 284.96 equity shares at a price of ` 175 per such Equity Share, pursuant to an initial public Share holding pattern of our Company as on December 31, 2011 For further details please refer to the Prospectus. Salary to Whole Time Directors 96.00 192.00 192.23 120.90 48.90 48.90 offer under the SEBI (Issue of Capital and Disclosure Requirements) Regulations, OBJECTS OF THE ISSUE Depreciation 133.51 179.64 148.90 98.78 74.14 70.97 2009. Issue proceeds : Our Company has filed the Prospectus for a public issue of NCDs aggregating upto ` 2,500 Total Expenditure 14,162.99 15,546.57 7,438.27 4,722.32 2,716.59 1,670.09 Previous Issue : For details please refer to the Prospectus. million with an option to retain over-subscription upto ` 2,500 million for issuance of additional NCDs aggregating Stock Market Data : For details please refer to the Prospectus. to a total of upto ` 5,000 million. The funds raised through this Issue will be utilised for our various financing Profit/(Loss) before Tax and Prior Period Items 6,082.44 7,612.11 3,455.53 1,481.70 969.78 669.57 Debentures or bonds and redeemable preference shares and other instruments issued activities including lending and investments, to repay our existing liabilities or loans and towards our business Prior Period Items [ Expenses / (Income)] ------by our Company and outstanding : There are certain debentures issued by our operations including for our capital expenditure and working capital requirements and general corporate Net Profit/(Loss) before Tax 6,082.44 7,612.11 3,455.53 1,481.70 969.78 669.57 Company which are listed on the WDM segment of the NSE and bear ISIN purposes, after meeting the expenditures of and related to the Issue and subject to applicable statutory/ Provision for tax numbers INE414G07027; INE414G07019; INE414G07035 and INE414G08181. regulatory requirements. The main objects clause of the Memorandum of Association of our Company permits No trade data is available since no trades have taken placed in these debentures our Company to undertake its existing activities as well as the activities for which the funds are being raised Current Tax 2,052.17 2,670.45 1,192.81 507.94 336.07 207.68 Deferred Tax Charge/(Credit) (29.79) (0.11) (13.03) (3.86) (5.58) 17.70 in NSE, since they were listed, on May 19, 2011. through this Issue. Dividend : Our Company has no stated dividend policy. The declaration and payment Monitoring of utilisation of funds : There is no requirement for appointment of a monitoring agency in terms Fringe Benefit Tax - - 0.42 3.32 4.40 Total Tax Expense/(Credit) 2,022.38 2,670.34 1,179.78 504.50 333.82 229.78 of dividends on our shares will be recommended by our Board of Directors and of the SEBI Debt Regulations. The Board of Directors of our Company shall monitor the utilisation of the approved by our shareholders, at their discretion, and will depend on a number of proceeds of the Issue. Our Company will disclose in the Company’s financial statements for the relevant Net Profit/(Loss) for the period/year as per 4,060.06 4,941.76 2,275.75 977.20 635.97 439.79 audited financials factors, including but not limited to our profits, capital requirements and overall financial year commencing from FY 2012, the utilisation of the proceeds of the Issue under a separate head financial condition. The Company has not declared any dividend on its Equity along with details, if any, in relation to all such proceeds of the Issue that have not been utilised thereby also Adjustments to the Financial Statements - 9.41 (4.46) (5.32) (1.23) Less: Deferred Tax Impact on Adjustments - - - - - Shares in the last five financial years. indicating investments, if any, of such unutilised proceeds of the Issue. Revaluation of assets : The Company has not revalued its assets in the last five Interim use of proceeds : The management of the Company, in accordance with the policies formulated by it considered above Adjustment of excess provision of income tax, - - 5.95 - - years. from time to time, will have flexibility in deploying the proceeds received from the Issue. Pending utilisation for earlier years written back Mechanism for redressal of investor grievances : The MoU between the Registrar to of the proceeds out of the Issue for the purposes described above, the Company intends to temporarily invest the Issue and our Company will provide for retention of records with the Registrar funds in high quality interest bearing liquid instruments including money market mutual funds, deposits with Net Adjustments (Refer note C of Annexure IV) --9.41 1.49 (5.32) (1.23) Net Profit/(Loss) 4,060.06 4,941.76 2,285.16 978.69 630.65 438.56 to the Issue for a period of at least 3 years from the last date of despatch of the banks or temporarily deploy the funds in investment grade interest bearing securities as may be approved by Allotment Advice, demat credit and refund orders to enable the investors to the Board / Committee of Directors of the Company, as the case may be. Such investment would be in Less: Transfer to Statutory Reserve 812.01 988.35 455.15 195.44 127.19 87.96 Surplus/ (Deficit) brought forward from 5,795.20 1,841.79 1,918.75 1,555.50 1,052.04 705.80 approach the Registrar to the Issue for redressal of their grievances. All grievances accordance with the investment policy of our Company approved by the Board or any committee thereof from relating to the Issue may be addressed to the Registrar to the Issue, giving full time to time. previous period/year Impact of reformatting of prior period expenses (4.36) details such as name, address of the applicant, number of NCDs applied for, Utilisation of proceeds from the NCDs allotted to NRIs, if any : We propose to offer Option II, Option III and Option relating to periods prior to 01.04.2006 amount paid on application and the bank branch or collection centre where the IV NCDs for subscription, pursuant to the Issue, to NRIs only on a non-repatriable basis. Under the provisions application was submitted. The contact details of Registrar to the Issue are as of the Foreign Exchange Management (Borrowing and Lending in Rupees) Regulations, 2000, any monies Surplus / (Deficit) available for Appropriation 9,043.25 5,795.20 3,748.76 2,338.75 1,555.50 1,052.04 Appropriation: follows: Link Intime India Private Limited, C-13, Pannalal Silk Mills Compound, L.B.S. borrowed from a person resident outside India cannot be used: (a) for any purpose except in ones own business Marg, Bhandup (West), Mumbai 400 078, India.• Tel: (91 22) 2596 0320 • Fax: (91 other than (i) the business of chit fund, (ii) as Nidhi Company, (iii) agricultural or plantation activities or real Issue of Bonus Shares - 1,765.00 420.00 - - estate business; or construction of farm houses; or (iv) trading in Transferable Development Rights (TDRs); or Reduction on account of demerger of radio business - 141.98 - - - 22) 2596 0329 • Toll Free: 1-800-22-0320 • Email: [email protected] • Investor Surplus/ (Deficit) carried to Balance Sheet 9,043.25 5,795.20 1,841.79 1,918.75 1,555.50 1,052.04 Grievance Email: [email protected] • Website: www.linkintime.co.in • Contact (b) for any investment, whether by way of capital or otherwise, in any company or partnership firm or proprietorship Person: Sachin Achar • SEBI Registration No.: INR000004058. We estimate that concern or any entity, whether incorporated or not, or for the purpose of re-lending. To ensure compliance with For further details please refer to the Prospectus. the average time required by us or the Registrar to the Issue for the redressal of the above, our Company shall open and maintain a separate account with the Escrow Collection Bank(s) in DISCLOSURES ON EXISTING FINANCIAL INDEBTEDNESS routine investor grievances will be 7 (seven) business days from the date of receipt connection with all application monies received from NRIs, (“Special Account”). All application monies received A. Details of Secured Borrowings: Our Company’s secured borrowings as on from NRI applicants shall be deposited in the Special Account maintained with any of the Bankers to the Issue. of the complaint. In case of non-routine complaints and complaints where external December 31, 2011 amount to ` 151,310.45 million. For further details please agencies are involved, we will seek to redress these complaints as expeditiously Upon creation of security as disclosed in the Prospectus, the Escrow Collection Bank(s) shall transfer the monies refer to the Prospectus. from the Special Account to a separate bank account, (“NRI Account”), which shall be different from the Public as possible. Rajesh A has been appointed as the Compliance Officer of our B. Details of Unsecured Loans: For details please refer to the Prospectus. Company for this issue. The contact details of Compliance Officer of our Company Issue Account. Our Company shall at all times ensure that any monies kept in the Special Account and/or the C. Restrictive Covenants under our Financing Arrangements: For details please refer NRI Account shall be utilised only in accordance with and subject to the restrictions contained in the Foreign are as follows: Rajesh A., Muthoot Chambers, Opposite Saritha Theatre Complex, to the Prospectus. 2nd Floor, Banerji Road, Kochi 682 018, Kerala, India. • Tel: (91 484) 353 5533 • Exchange Management (Borrowing and Lending in Rupee) Regulations, 2000, and other applicable statutory LEGAL AND OTHER INFORMATION and/or regulatory requirements. Fax: (91 484) 2396506 • E-mail: [email protected]. Investors may contact PENDING PROCEEDINGS AND STATUTORY DEFAULTS the Registrar to the Issue or the Compliance Officer in case of any pre-issue or Other confirmations : In accordance with the SEBI Debt Regulations, our Company will not utilise the proceeds As on the date of the Prospectus, there are no defaults in meeting statutory dues, of the Issue for providing loans to or acquisition of shares of any person who is a part of the same group as our post Issue related issues such as non-receipt of Allotment Advice, demat credit, institutional dues, and towards holders of instrument like debentures, fixed deposits refund orders or interest on application money. Company or who is under the same management as our Company or any subsidiary of our Company. The Issue and arrears on cumulative preference shares, etc, by our Company or by public proceeds shall not be utilised towards full or part consideration for the purchase or any other acquisition, inter Change in Auditors of our Company during the last three years : There has been no companies promoted by the Promoters and listed on the BSE or NSE. For further change(s) in the Statutory Auditors of our Company in the last 3 (three) financial alia by way of a lease, of any property. No part of the proceeds from this Issue will be paid by us as consideration details please refer to the Prospectus. to our Promoter, our Directors, Key Managerial Personnel, or companies promoted by our Promoter except in years preceding the date of the Prospectus. OTHER REGULATORY AND STATUTORY DISCLOSURES MATERIAL CONTRACTS AND DOCUMENTS FOR INSPECTION : For details please the usual course of business. Further the Company undertakes that Issue proceeds from NCDs allotted to banks Authority for the Issue : At the meeting of the Board of Directors of our Company, shall not be used for any purpose, which may be in contravention of the RBI guidelines on bank financing to refer to the Prospectus. held on January 31, 2012 the Directors approved the issue of NCDs to the public DECLARATION : We, the Directors of the Company, certify that all the relevant NBFCs including those relating to classification as capital market exposure or any other sectors that are upto an amount not exceeding ` 7,000 million. prohibited under the RBI regulations. provisions of the Companies Act, 1956 and the guidelines issued by the Government Prohibition by SEBI : Our Company, persons in control of our Company and/or our of India or the guidelines issued by the Securities and Exchange Board of India STATEMENT OF TAX BENEFITS : For details please refer to the Prospectus. Promoters have not been restrained, prohibited or debarred by SEBI from accessing INDUSTRY : For details please refer to the Prospectus. established under Section 3 of the Securities and Exchange Board of India Act, the securities market or dealing in securities and no such order or direction is in 1992, as the case may be, have been complied with. We further certify that the OUR BUSINESS force. Further, no member of our promoter group has been prohibited or debarred Overview : We are the largest gold financing company in India in terms of loan portfolio, according to the 2010 disclosures made in the Prospectus are true and correct and in conformity with by SEBI from accessing the securities market or dealing in securities due to fraud. Schedule II of the Companies Act, 1956, Schedule I of SEBI (Issue and Listing of update to the IMaCS Research & Analytics Industry Reports, Gold Loans Market in India, 2009 (“IMaCS Industry Disclaimer Clause of the BSE : BSE LIMITED (“THE EXCHANGE”) HAS GIVEN VIDE Report, (2010 Update)”). For further details please refer to the Prospectus. Debt Securities) Regulations, 2008, and the Listing Agreement to be executed with ITS LETTER DATED FEBRUARY 22, 2012, PERMISSION TO THIS COMPANY TO USE the stock exchanges, and no statement made in the Prospectus is contrary to the HISTORY AND MAIN OBJECTS THE EXCHANGE’S NAME IN THIS OFFER DOCUMENT AS ONE OF THE STOCK Brief background of our Company : For details please refer to the Prospectus. provisions of the Companies Act, 1956 or the Securities and Exchange Board of EXCHANGES ON WHICH THIS COMPANY’S SECURITIES ARE PROPOSED TO BE India Act, 1992 or rules, guidelines and circulars issued thereunder. Main objects of our Company : For details please refer to the Prospectus. LISTED. THE EXCHANGE HAS SCRUTINIZED THIS OFFER DOCUMENT FOR ITS OUR MANAGEMENT : Board of Directors - The general superintendence, direction and management SIGNED BY ALL DIRECTORS: LIMITED INTERNAL PURPOSE OF DECIDING ON THE MATTER OF GRANTING THE M. G. George Muthoot Whole Time Director and Chairman, George Thomas Muthoot of our affairs and business are vested in our Board of Directors. We have not appointed any ‘manager’ within AFORESAID PERMISSION TO THIS COMPANY. THE EXCHANGE DOES NOT IN ANY the meaning thereof under the provisions of the Act. Under the Articles of Association, we are required to have Whole Time Director, George Jacob Muthoot Whole Time Director, George Alexander MANNER: a. WARRANT, CERTIFY OR ENDORSE THE CORRECTNESS OR Muthoot Managing Director, P. George Varghese Independent Director K. John Mathew not less than three Directors and not more than 12 Directors. We currently have 8 Directors on the Board out COMPLETENESS OF ANY OF THE CONTENTS OF THIS OFFER DOCUMENT; OR b. of which 4 Directors, i. e. 50% of the total strength of Directors are independent directors. For further details Independent Director, John K Paul Independent Director, George Joseph Independent WARRANT THAT THIS COMPANY’S SECURITIES WILL BE LISTED OR WILL CONTINUE Director • Date : February 23, 2012 • Place : Kochi, India. please refer to the Prospectus. TO BE LISTED ON THE EXCHANGE; OR c. TAKE ANY RESPONSIBILITY FOR THE OUR PROMOTER FINANCIAL OR OTHER SOUNDNESS OF THIS COMPANY, ITS PROMOTERS, ITS Profile of our Promoters : The following individuals are the Promoters of the Company: 1. M.G. George Muthoot; FOR FURTHER DETAILS, PLEASE REFER TO THE PROSPECTUS 2. George Thomas Muthoot; 3. George Jacob Muthoot; and 4. George Alexander Muthoot; For additional MANAGEMENT OR ANY SCHEME OR PROJECT OF THIS COMPANY. AND IT SHOULD details on the age, background, personal address, educational qualifications, experience, experience in the NOT FOR ANY REASON BE DEEMED OR CONSTRUED THAT THIS OFFER DOCUMENT business of the Company, positions/posts held in the past, terms of appointment as Directors and other HAS BEEN CLEARED OR APPROVED BY THE EXCHANGE. EVERY PERSON WHO directorships of our Promoters, For further details please refer to the Prospectus. DESIRES TO APPLY FOR OR OTHERWISE ACQUIRES ANY SECURITIES OF THIS 8 MUTHOOT FINANCE LIMITED