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SHRIRAM-2013-2014.Pdf CONTENTS 02. Corporate Information 04. Milestones & Mission 06. Values 08. Products 10. Presence 14. Performance 16. Director's Profles 18. Director's Report 25. Annexure to the Directors’ Report 27. Management Discussion and Analysis 29. Report on Corporate Governance 53. Auditor's Report 55. Annexure to the Auditor's Report 57. Financial Statements (Standalone) 100. Auditor's Report (Consolidated) 101. Financial Statements (Consolidated) Forward Looking Statement ________________________________________________________________________ In this annual report we have disclosed forward looking information to en- able investors to comprehend our prospects and take informed investment decisions. This report and other statements, written and oral, that we pe- riodically make contain forward looking statements that set out antici- pated results based on the management’s plan and assumptions. We have tried wherever possible to identify such statements by using words such as ‘anticipate’, ‘estimate’, ‘expects’,’ project’, ‘intends’, ‘plans’, ‘believes’ and words of similar substance in connection with any discussion of future performance. We cannot guarantee that these forward looking statements will be realized, although we believe we have been prudent in assump- tions. The achievement of results is subject to risks, uncertainties and even inaccurate assumptions. Should known or unknown risks or uncertainties materialize or should underlying assumptions prove inaccurate, actual re- sults could vary materially from those anticipated, estimated or projected. Readers should bear this in mind. We undertake no obligation to publicly update any forward looking statements, whether as a result of new infor- mation, future events or otherwise. Board Of Directors Sri Arun Duggal Chairman, Non Executive, Non Independent Sri Duruvasan Ramachandra - Managing Director, Executive, Non Independent Sri Gopalasamudram Srinivasaraghavan Sundararajan - Managing Director, Executive, Non Independent Sri Subramaniam Krishnamurthy Director, Non Executive, Independent Smt. Lakshmi Pranesh Director, Non Executive, Independent Sri Venkataraman Murali Director, Non Executive, Independent Sri Puneet Bhatia Director, Non Executive, Non Independent Sri Pranab Prakash Pattanayak Director, Non Executive, Independent Sri Ranvir Dewan Director, Non Executive, Non Independent Sri Sunil Varma Director, Non Executive, Independent Sri Vipen Kapur Director, Non Executive, Independent 2 Shriram City Union Finance Limited | Annual Report 2013-14 Corporate Information COMPANY SECRETARY: LISTED AT : Indusind Bank Sri C R Dash BSE Limited ING Vysya Bank National Stock Exchange of Jammu & Kashmir Bank AUDITORS : India Ltd. Karur Vysya Bank Pijush Gupta & Co. Madras Stock Exchange Ltd. Kotak Mahindra Bank Chartered Accountants Oriental Bank of Commerce P-199, C.I.T. Road, Scheme IV - M Punjab National Bank Kolkata - 700 010 BANKS : State Bank of India Allahabad Bank State Bank of Mauritius SHARE TRANSFER AGENTS: Andhra Bank State Bank of Mysore Integrated Enterprises (India) Limited Axis Bank 2nd Floor, Kences Towers, State Bank of Patiala Bank of Baroda No. 1, Ramakrishnan Street State Bank of Travancore Off North Usman Road, T. Nagar Bank of India Syndicate Bank Chennai - 600 017 Bank of Maharashtra Tamilnad Mercantile Bank Ph : +91 44 2814 0801 - 2814 0803 Canara Bank The South Indian Bank Central Bank of India UCO Bank REGISTERED OFFICE : City Union Bank Union Bank of India 123, Angappa Naicken Street Corporation Bank Chennai - 600 001 United Bank of India DBS Bank Ph : +91 44 2534 1431 Vijaya Bank Dena Bank Woori Bank SECRETARIAL OFFICE : Federal Bank 144, Santhome High Road HDFC Bank Mylapore, Chennai - 600 004 ICICI Bank INSTITUTIONS : Ph : +91 44 4392 5300 IDBI Bank Small Industries Develop- Fax: +91 44 4392 5430 Indian Bank ment Bank of India Limited Indian Overseas Bank (SIDBI) ADMINISTRATIVE OFFICE : No. 221, Royapettah High Road Mylapore, Chennai - 600 004 Ph : +91 44 4391 5300 Fax : +91 44 4391 5351 AnnualCorporate Report Information - 2013-14 3 MILESTONES 2013 Social Audit Report generated on Shriram City’s business. Rated by Frost & Sullivan as India’s largest Small Enterprise Finance in the Small Loans segment. 2011 Celebrates Silver Jubilee. Floats maiden debt public offering of listed NCDs. Sees Private Equity participation in housing fnance subsidiary. 2010 Net Worth reaches Rs. 1000 Crore. Launches housing fnance subsidiary – Shriram Housing Finance Ltd. 2008 2nd Preferential Allotment to Private Equity investors @ Rs. 400/- per equity share. 2007 Introduces Loans against Gold. 2006 Launches Small Enterprise Finance. 1st Preferential Allotment to Private Equity investors @ Rs. 160/- per equity share. 2005 Listed on National Stock Exchange. Begins Retail Financing foray. 2003 Listed on Bombay Stock Exchange 1986 Shriram City established 4 Shriram City Union Finance Limited | Annual Report 2013-14 MISSION To serve the largest number of common people and, in the process, build an exemplary organization engaged in the timely delivery of fnancial services. SHRIRAM CITY’S MISSION IS TO PROVIDE FINANCIAL SOLUTIONS TO INDIVIDUALS RUNNING SMALL BUSINESSES WHO HAVE LESS ACCESS TO ORGANIZED CREDIT. BY OFFERING VARIOUS FINANCIAL PRODUCTS UNDER THE TWO BROAD CATEGORIES - BUSINESS PURPOSE LOANS AND CONSUMER LOANS, SHRIRAM CITY CATERS TO THE FINANCIAL NEEDS OF THIS SEGMENT (BOTH CREDIT & SAVINGS) TO IMPROVE THEIR BUSINESSES SUSTENANCE AND PERSONAL NEEDS. AnnualMilestones Report &- 2013-14 Mission 5 VALUES Being Trustworthy: The Shriram City brand is today among the most trusted in India. Being Responsive: Our reputation has been built on the timely dissemination of affordably-priced fnancial services to customers and locations most in need. Being Creative: Shriram City has consistently and successfully ventured into creative products and services. Building Relationships For us, business does not start and end with extending loans – we build long-term relationships with our customers. Our business model is customer-centric and driven by the needs of the community. Bolstering the spirit of Entrepreunership We help small business owners think big and thereby move up the value chain. We also strive to empower our workforce at all levels to think like entrepreneurs 6 Shriram City Union Finance Limited | Annual Report 2013-14 SHRIRAM CITY IS A DEPOSIT-ACCEPTINGWE STRIVE TO SERVE THE LARGEST NUMBER NON-BANKINGOF COMMON PEOPLE THROUGH QUALITY NON-BANKING FINANCIAL SERVICES. FINANCIAL COMPANY (NBFC) REGISTERED WITH RBI. AnnualCorporate Report Information - 2013-14 7 TO BE A VALUE CREATING AND THE PREFERRED FINANCING PARTNER OF SOCIETY 8 Shriram City Union Finance Limited | Annual Report 2013-14 PRODUCTS ENTERPRISE FINANCE: Financial assistance to small businesses forms the mainstay of our business. Shriram City is among the largest providers of Small Enterprise Finance in the country. We have helped traders, grocers, hoteliers, small engineering unit owners and other SMEs prosper and move up the value chain. LOANS AGAINST GOLD: Spot loans against gold jewelry are offered at affordable rates. All our Gold loan dispensing outlets possess trained appraisers and gold storage facilities with the highest security TWO WHEELER LOANS: Quick processing and attractive pricing are features of Shriram City’s two wheeler fnancing business. We offer a wide-ranging presence in dealer showrooms across the nation, and offer tailor-made loan solutions for a spectrum of vehicle brands. AUTO FINANCE: Loans are offered at convenient terms for new and pre-owned three wheelers and for pre-owned four wheelers (both passenger and commercial vehicles). PERSONAL FINANCE AND CONSUMER DURABLE LOANS: Loans for personal consumption are available for customers who have a credit history with our company. Shriram City also provides fnance for acquiring White Goods. HOUSING FINANCE: Our housing fnance subsidiary offers affordable home loans to self- employed customers and those from the middle- and lower middle classes in Tier II and Tier III cities and towns across India. AnnualCorporate Report Information - 2013-14 9 PRESENCE: Business Outlets Over the last 27 years Shriram City Union Finance has established a pan-India presence, with 980 branches across INDIA as of March 31, 2014. ARANI III BEEMA NAGAR CHANDIGARH DAVANGERE CHITS A ARANTHANGI BELGAUM CHANDRAGIRI DEHRADUN LUDCD ABOHAR ARAPALAYAM BELLAMPALLY CHANDRAPUR DEORIA LUD ADDANKI ARIYALUR BELLARY CHANNAPATNA DEVAKOTTAI ADILABAD ARIYALUR I BEMETARA KAWARDHA CHANNARAYAPATNA DEVARAKONDA ADONI ARMOOR BESANT NAGAR CHATTARPUR CD DEWAS CD ADUTHURAI ARUMBAKKAM BETHANIAPURAM CHEEPURUPALLI GOLD BR DHARAPURAM ADYAR I ARUPPUKOTTAI II BETHEMCHERLA CHENGALPET DHARMAPURI ADYAR II ASHOK NAGAR BHADRACHALAM CHERIAL DHARMAPURI II AGRA LUDCD ASHWARAOPETA BHAINSA CHERUKUPALLE DHARMAVARAM AHMEDABAD CD ATCHUTHAPURAM BHANDARA AMH CHEVAPETTAI DHARWAD I AHMEDABAD EF WCD ATMAKUR BHARUCH CD CHICKBALLAPUR DHAVALESWARAM AHMEDNAGAR CHIT CD H ATMAKUR BHATHINDA CHIDAMBARAM DHONE AJMER LUDCD ATTAPUR BHAVANI CHIDAMBARAM II DHULE AMH AKIVEDU ATTHUR II BHAVNAGAR CD CHIKKADPALLY DILSHAD GARDEN AKOLA ATTINGAL CD BHEEMGAL CHIKMAGALUR CHIT DILSUKH NAGAR ALANDUR ATTUR I BHILAI CD CHILAKALURIPET DINDIGUL I ALER AURANGABAD BHILWARA EF WCD CHILAKALURIPETA II DINDUGAL ALIGARH AURANGABAD CHIT CD H BHILWARA LUDCD CHIMAKURTHY DODDABALLAPUR ALLAHABAD LUDCD AVADI BHIMAVARAM CHINAWALTAIR DWARAKA NAGAR ALUVA AVANIGADDA BHIWANI HARAYANA WCD CHINNA BAZAAR ALWAL AVINASI BHONGIR CHINTALAPUDI E ALWAR LUDCD AYANAVARAM
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