30th Annual Report 2015 - 2016

Printed Matter – BOOK-POST

30th ANNUAL REPORT, 2015–16

If undelivered, please return to:

Manipal Housing Finance Syndicate Ltd. Registered Office : Manipal House MANIPAL – 576 104 Manipal Housing Finance Syndicate Ltd. Regd. Office: Manipal House, Manipal – 576 104, PRINTED AT MANIPAL technologies LIMITED, MANIPAL Manipal Housing Finance Syndicate Limited

Network of Branches MANIPAL HOUSING FINANCE SYNDICATE LIMITED Registered Office: MANIPAL HOUSE, MANIPAL – 576 104 () Manipal: Manipal House, Manipal – 576 104 Kamakshipalya: Shop No. 3, First Floor : Unit No. N – 116, Manipal Centre Jayalakshmi Complex, Magadi Main Road Form No. MGT-11 North Block, Dickenson Road, Bangalore – 560 042 Near Ganesh Temple, Kamakshipalya Proxy form : Ideal Towers, D.No.13-1-25/39 Bangalore – 560 079 [Pursuant to Section 105(6) of the Companies Act, 2013 and Rule 19(3) of the Companies (Management and Administration) Rules, 2014] 1st Floor, Opp. Sharavu Mahaganapathi Temple Sullia: Shop No. 5, First Floor, Honesty Building Name of the Member(s) ...... Sharavu Temple Road, Mangalore – 575 001 Main Road, Balemakki, Sullia – 574 239 Registered Address ...... E-mail Id ...... Folio No./Client ID ...... DP ID ...... Udupi: Maruthi Veethika, II Floor, Kadaba: Shop No. 4, 1st Floor, Sri Ram Towers Main Road, I/We, being the member(s) of ...... shares of the above named company. Hereby appoint New Vyavahar Complex, Udupi – 576 101 Near Sri Durgambika Amma Temple, Kadaba Name : ...... E-mail Id: ...... : Flat No. 101, Gayathri Plaza D. K. District – 574 221 Address: ...... Mettuguda, Secunderabad – 500 017 Bhatkala: Shop No. 32, 1st Floor, Mahale Building Sagar Signature, or failing him...... Name : ...... E-mail Id: ...... : Gemini Parson – Commercial Complex, Road, Near Samshuddin Circle, Bhatkal Address: ...... Ground Floor, D-6, No. 1, U.K. District – 581 320 Signature, or failing him...... Kodambakkam High Road, Chennai - 600 034 Bajpe: Shop No. 2, Ground Floor, Koya Complex Main Road, Name : ...... E-mail Id: ...... : 3, Priyottama Sahanivas, Near Bus Stand, Bajpe, Address: ...... Prarthana Samaj Road, Vile Parle (E), D.K. District – 574 142 Signature, or failing him...... Mumbai – 400 057 as my/ our proxy to attend and vote (on a poll) for me/us and on my/our behalf at the 30th Annual General Meeting of the company, to be Periya Patna: Shop No. 8, First Floor th L. M. Complex, B. M. Road, Near Ksrtc Bus Stand held on Tuesday, the 30 August, 2016 at 4.00 p.m. at Regd. Office: “Manipal House”, Manipal – 576 104 and at any adjournment thereof Car Street: Shop No. 201, First Floor, in respect of such resolutions as are indicated below: Ideal Towers, Opp. Sharavu Mahaganapathi Temple Periya Patna, Mysore District – 571 107 Sl. Vote Mangalore, D.K. District – 575 001 Janata Nagar: First Floor, 1133, Resolution(s) No. For Against B C Road: First Floor, SR Complex, NH 75, Sahukar Chennaiah Road, Near Bisilu Maramma Circle, 1. Adoption of statement of Profit & Loss, Balance Sheet, report of Director’s and Auditor’s for the financial BC Road, Jodumarga, D.K. District – 574 219 Janatha Nagar, Mysore – 570 009 year 31st March, 2016 Kushal Nagara: Shop No. 1, First Floor 2. To confirm the payment of interim dividend on Cumulative Redeemable Preference Shares andto Surathkal: Shop No. F-09, First Floor, Poova Arcade declare dividend on the Equity Shares for the Financial Year ended March 31, 2016. Taanya Lakshmi Building, Rathabeedi Near N H 17, Surathkal, D.K. District – 575 014 3. To appoint a Director in place of Smt. Vijayalaxmi N. Pai, who retires by rotation, and being eligible offers Near Govt. Hospital, Kushal Nagara Kankanady: Shop No. F-8, First Floor herself for re-appointment. Kodagu District – 571 234 Re-appointment of M/s. Pai Nayak & Associates, Chartered Accountants as Statutory Auditors & fixing Emkays Shalimar, Bye-pass Road – –– 4. Kankanady, D.K. District – 575 002 Hebbala: Shop No. 3, 1st Floor, Srinivas Complex – their remuneration. Vijaya Nagar Main Road, Near Abhishek Circle Adoption of new set of Articles of Association of the Company inter-alia pursuant to the Companies Act, Maruthi Veethika: First Floor, “Vyavahar 1001” 5. Hebbal, Mysore Dist. – 570 017 2013. Maruthi Veethika Road, Near Chittaranjan Circle 6. Alteration of Objects Clause of the Memorandum of Association of the Company. – 576 101 K. R. Nagara: Ground Floor, Laxmi Narayana Nilaya, * Applicable for investors holding shares in Electronic form.

No. 17, Mysore Road, Near Police Station, K. R. Nagar HERE CUT Kundapura: Shop No. 3, First Floor, Yediyal Mysore – 571 602 Signed this ______day of ______2016 Affix Complex Near Old Bus Stand, Kundapura Revenue Udupi District – 576 201 Kengeri: Shop No. 2, First Floor, 118/2, Stamp Mysore Road, Fort Kengeri, Kengeri Yeshwanthpur: Shop No. 3, First Floor, Jai Complex Bangalore Dist. – 560 060 Triveni Road, Yeshwanthpur, Bangalore – 560 022 Signature of Shareholder Signature of Proxy holder Signature of the shareholder Saligrama: No. 36, 1st Floor, Mahaveer Road Chamarajpet: First Floor, Gowramma Govindraju across Revenue Stamp Near Gandhi Square, Saligrama Complex, 134/1, 4th Main Road, 9th Cross Note: 1) This form of proxy in order to be effective should be duly completed and deposited at the Registered Office of the Company not less than 48 Mysore Dist. – 571 604 Chamarajpet, Bangalore – 560 018 hours before the commencement of the Meeting. Mudipu: First Floor, P. K. Towers 2) The proxy need not be a member of the company. K R Market: First Floor, No. 39 Vittal – Mangalore Road, Opp. Mudipu Bus Stand Mudipu, New Bamboo Bazar Road D.K. Dist. – 574 153 Near K R Market, Kalasipalyam, Bangalore – 560 002 ATTENDANCE SLIP Virajpet: Shop No. 2, Ist Floor, Sathyanarayana Complex, (To be handed over at the entrance of the meeting hall) Vittal: 2nd Floor, Keshava Madhava Complex Main Road, Opp. Indian Bank, Virajpet th th Puttur Road, Near Bus Stand, Vittal 30 Annual General Meeting on Tuesday, the 30 August, 2016 at 4.00 p.m. Kodagu District, Karnataka – 571 218 D.K. District – 574 243 Full name of the members attending ...... Shimoga: 2nd Floor, Sri Rama Complex Hebri: Shop No. 5, First Floor, Ramanath Complex (In block capitals) Main Road, Opp. Market, Gandhi Bazar Main Road, Opp. Bus Stand, Hebri – 576 112 Ledger Folio No./Client ID No...... No. of shares held: ...... Shimoga Dist. – 577 202 Srinivasnagar: Shop No. 3, First Floor Name of Proxy ...... Honnali: Shop No. 2 & 3, 1st Floor 341/A, 80 Ft Road, Opp. Bank Colony Bus Stand (To be filled in, if the proxy attends instead of the member) Janani Complex, Sarvarkeri Road, Near Bus Stand Srinivasnagar, Banashankari Ist Stage th th Honnali, Davanagere Dist. – 577 217 I hereby record my presence at the 30 Annual General Meeting of the Company held on Tuesday, the 30 August, 2016 at 4.00 p.m. Bangalore – 560 050 Hunsur: No. 1825, Katha No. 1326/1825/1 Moodabidri: Shop No. F-5, First Floor (Member’s/Proxy’s Signature) On the First Floor of the Building Situated at BM Road Panchami Apartments, Market Road, Behind Market Note: 1) Members are requested to bring their copies of the Annual Report to the meeting, since further copies will not be available. Near Hunsur Bus Stand, Mysore Moodabidri, D.K. District – 574 227 2) The Proxy, to be effective should be deposited at the Registered Office of the Company not less than FORTY EIGHT HOURS before the commencement of the meeting. 3) A Proxy need not be a member of the Company. 4) In the case of joint holders, the vote of the senior who tenders a vote, whether in person or by Proxy, shall be accepted to the exclusion of the vote of the other joint holders. Seniority shall be determined by the order in which the names stand in the Register of Members. 5) The submission by a member of this form of proxy will not preclude such member from attending in person and voting at the meeting. – ––

Manipal Housing Finance Syndicate Limited

Network of Branches MANIPAL HOUSING FINANCE SYNDICATE LIMITED Registered Office: MANIPAL HOUSE, MANIPAL – 576 104 (UDUPI) Manipal: Manipal House, Manipal – 576 104 Kamakshipalya: Shop No. 3, First Floor Bangalore: Unit No. N – 116, Manipal Centre Jayalakshmi Complex, Magadi Main Road Form No. MGT-11 North Block, Dickenson Road, Bangalore – 560 042 Near Ganesh Temple, Kamakshipalya Proxy form Mangalore: Ideal Towers, D.No.13-1-25/39 Bangalore – 560 079 [Pursuant to Section 105(6) of the Companies Act, 2013 and Rule 19(3) of the Companies (Management and Administration) Rules, 2014] 1st Floor, Opp. Sharavu Mahaganapathi Temple Sullia: Shop No. 5, First Floor, Honesty Building Name of the Member(s) ...... Sharavu Temple Road, Mangalore – 575 001 Main Road, Balemakki, Sullia – 574 239 Registered Address ...... E-mail Id ...... Folio No./Client ID ...... DP ID ...... Udupi: Maruthi Veethika, II Floor, Kadaba: Shop No. 4, 1st Floor, Sri Ram Towers Main Road, I/We, being the member(s) of ...... shares of the above named company. Hereby appoint New Vyavahar Complex, Udupi – 576 101 Near Sri Durgambika Amma Temple, Kadaba Name : ...... E-mail Id: ...... Hyderabad: Flat No. 101, Gayathri Plaza D. K. District – 574 221 Address: ...... Mettuguda, Secunderabad – 500 017 Bhatkala: Shop No. 32, 1st Floor, Mahale Building Sagar Signature, or failing him...... Name : ...... E-mail Id: ...... Chennai: Gemini Parson – Commercial Complex, Road, Near Samshuddin Circle, Bhatkal Address: ...... Ground Floor, D-6, No. 1, U.K. District – 581 320 Signature, or failing him...... Kodambakkam High Road, Chennai - 600 034 Bajpe: Shop No. 2, Ground Floor, Koya Complex Main Road, Name : ...... E-mail Id: ...... Mumbai: 3, Priyottama Sahanivas, Near Bus Stand, Bajpe, Address: ...... Prarthana Samaj Road, Vile Parle (E), D.K. District – 574 142 Signature, or failing him...... Mumbai – 400 057 as my/ our proxy to attend and vote (on a poll) for me/us and on my/our behalf at the 30th Annual General Meeting of the company, to be Periya Patna: Shop No. 8, First Floor th L. M. Complex, B. M. Road, Near Ksrtc Bus Stand held on Tuesday, the 30 August, 2016 at 4.00 p.m. at Regd. Office: “Manipal House”, Manipal – 576 104 and at any adjournment thereof Car Street: Shop No. 201, First Floor, in respect of such resolutions as are indicated below: Ideal Towers, Opp. Sharavu Mahaganapathi Temple Periya Patna, Mysore District – 571 107 Sl. Vote Mangalore, D.K. District – 575 001 Janata Nagar: First Floor, 1133, Resolution(s) No. For Against B C Road: First Floor, SR Complex, NH 75, Sahukar Chennaiah Road, Near Bisilu Maramma Circle, 1. Adoption of statement of Profit & Loss, Balance Sheet, report of Director’s and Auditor’s for the financial BC Road, Jodumarga, D.K. District – 574 219 Janatha Nagar, Mysore – 570 009 year 31st March, 2016 Kushal Nagara: Shop No. 1, First Floor 2. To confirm the payment of interim dividend on Cumulative Redeemable Preference Shares andto Surathkal: Shop No. F-09, First Floor, Poova Arcade declare dividend on the Equity Shares for the Financial Year ended March 31, 2016. Taanya Lakshmi Building, Rathabeedi Near N H 17, Surathkal, D.K. District – 575 014 3. To appoint a Director in place of Smt. Vijayalaxmi N. Pai, who retires by rotation, and being eligible offers Near Govt. Hospital, Kushal Nagara Kankanady: Shop No. F-8, First Floor herself for re-appointment. Kodagu District – 571 234 Re-appointment of M/s. Pai Nayak & Associates, Chartered Accountants as Statutory Auditors & fixing Emkays Shalimar, Bye-pass Road – –– 4. Kankanady, D.K. District – 575 002 Hebbala: Shop No. 3, 1st Floor, Srinivas Complex – their remuneration. Vijaya Nagar Main Road, Near Abhishek Circle Adoption of new set of Articles of Association of the Company inter-alia pursuant to the Companies Act, Maruthi Veethika: First Floor, “Vyavahar 1001” 5. Hebbal, Mysore Dist. – 570 017 2013. Maruthi Veethika Road, Near Chittaranjan Circle 6. Alteration of Objects Clause of the Memorandum of Association of the Company. Udupi District – 576 101 K. R. Nagara: Ground Floor, Laxmi Narayana Nilaya, * Applicable for investors holding shares in Electronic form.

No. 17, Mysore Road, Near Police Station, K. R. Nagar HERE CUT Kundapura: Shop No. 3, First Floor, Yediyal Mysore – 571 602 Signed this ______day of ______2016 Affix Complex Near Old Bus Stand, Kundapura Revenue Udupi District – 576 201 Kengeri: Shop No. 2, First Floor, 118/2, Stamp Mysore Road, Fort Kengeri, Kengeri Yeshwanthpur: Shop No. 3, First Floor, Jai Complex Bangalore Dist. – 560 060 Triveni Road, Yeshwanthpur, Bangalore – 560 022 Signature of Shareholder Signature of Proxy holder Signature of the shareholder Saligrama: No. 36, 1st Floor, Mahaveer Road Chamarajpet: First Floor, Gowramma Govindraju across Revenue Stamp Near Gandhi Square, Saligrama Complex, 134/1, 4th Main Road, 9th Cross Note: 1) This form of proxy in order to be effective should be duly completed and deposited at the Registered Office of the Company not less than 48 Mysore Dist. – 571 604 Chamarajpet, Bangalore – 560 018 hours before the commencement of the Meeting. Mudipu: First Floor, P. K. Towers 2) The proxy need not be a member of the company. K R Market: First Floor, No. 39 Vittal – Mangalore Road, Opp. Mudipu Bus Stand Mudipu, New Bamboo Bazar Road D.K. Dist. – 574 153 Near K R Market, Kalasipalyam, Bangalore – 560 002 ATTENDANCE SLIP Virajpet: Shop No. 2, Ist Floor, Sathyanarayana Complex, (To be handed over at the entrance of the meeting hall) Vittal: 2nd Floor, Keshava Madhava Complex Main Road, Opp. Indian Bank, Virajpet th th Puttur Road, Near Bus Stand, Vittal 30 Annual General Meeting on Tuesday, the 30 August, 2016 at 4.00 p.m. Kodagu District, Karnataka – 571 218 D.K. District – 574 243 Full name of the members attending ...... Shimoga: 2nd Floor, Sri Rama Complex Hebri: Shop No. 5, First Floor, Ramanath Complex (In block capitals) Main Road, Opp. Market, Gandhi Bazar Main Road, Opp. Bus Stand, Hebri – 576 112 Ledger Folio No./Client ID No...... No. of shares held: ...... Shimoga Dist. – 577 202 Srinivasnagar: Shop No. 3, First Floor Name of Proxy ...... Honnali: Shop No. 2 & 3, 1st Floor 341/A, 80 Ft Road, Opp. Bank Colony Bus Stand (To be filled in, if the proxy attends instead of the member) Janani Complex, Sarvarkeri Road, Near Bus Stand Srinivasnagar, Banashankari Ist Stage th th Honnali, Davanagere Dist. – 577 217 I hereby record my presence at the 30 Annual General Meeting of the Company held on Tuesday, the 30 August, 2016 at 4.00 p.m. Bangalore – 560 050 Hunsur: No. 1825, Katha No. 1326/1825/1 Moodabidri: Shop No. F-5, First Floor (Member’s/Proxy’s Signature) On the First Floor of the Building Situated at BM Road Panchami Apartments, Market Road, Behind Market Note: 1) Members are requested to bring their copies of the Annual Report to the meeting, since further copies will not be available. Near Hunsur Bus Stand, Mysore Moodabidri, D.K. District – 574 227 2) The Proxy, to be effective should be deposited at the Registered Office of the Company not less than FORTY EIGHT HOURS before the commencement of the meeting. 3) A Proxy need not be a member of the Company. 4) In the case of joint holders, the vote of the senior who tenders a vote, whether in person or by Proxy, shall be accepted to the exclusion of the vote of the other joint holders. Seniority shall be determined by the order in which the names stand in the Register of Members. 5) The submission by a member of this form of proxy will not preclude such member from attending in person and voting at the meeting. – –– 30th Annual Report 2015 - 2016

Printed Matter – BOOK-POST

30th ANNUAL REPORT, 2015–16

If undelivered, please return to:

Manipal Housing Finance Syndicate Ltd. Registered Office : Manipal House MANIPAL – 576 104 Manipal Housing Finance Syndicate Ltd. Regd. Office: Manipal House, Manipal – 576 104, Karnataka PRINTED AT MANIPAL technologies LIMITED, MANIPAL