KMPL Annual Report FY2012

KOTAK MAHINDRA PRIME LIMITED
ANNUAL REPORT 2011-12
VALUE CREATION WITH STABILITY
FINANCIAL STATEMENTS
REPORTS DIRECTORS REPORT
Directors Report
To the Members of KOTAK MAHINDRA PRIME LIMITED The Directors present their Sixteenth Annual Report together with audited accounts of your Company for the year ended 31st March 2012. FINANCIAL RESULTS Rupees in Lakhs 31st March 2012 Gross Income Profit before Depreciation and Tax Depreciation Profit before Tax Provision for Tax Profit after Tax Balance of Profit from previous years Amount available for appropriation Appropriations: Proposed Dividend on Preference Shares Corporate Dividend Tax Special Reserve u/s 45IC of the RBI Act, 1934. Surplus carried forward to the Balance Sheet DIVIDEND With a view to conserve your Companys resources, the Directors do not recommend any Dividend on Equity Shares (Previous Year: Nil). Dividend recommended on Redeemable, Non Cumulative Non Convertible Preference Shares is 1 per share (Previous Year: 0.008 per share). ISSUE OF TIER II BONDS During the year, the Company issued Unsecured, Redeemable Non Convertible Subordinated Debt Bonds amounting to 13,060 lakhs as part of Tier II Capital in order to improve its capital adequacy ratio. DEBENTURES Pursuant to various circulars issued by the Securities and Exchange Board of India (SEBI) and the Reserve Bank of India (RBI) from time to time, the Company continues to list all debentures issued, having maturity of greater than 364 days on the Bombay Stock Exchange Limited under Information Memorandums issued by the Company from time to time. The Company has appointed IDBI Trusteeship Services Limited, Asian Building, Ground Floor, 17 R Kamani Marg, Ballard Estate, Mumbai 400 001 as Debenture Trustees to the issues. CAPITAL ADEQUACY The Capital to Risk Assets Ratio (CRAR) of your Company as on 31st March 2012 was at 16.3%. CREDIT RATING The Companys long-term borrowings have been upgraded by both CRISIL and ICRA in July and August 2011 respectively from AA to AA+ (with Stable Outlook). The Companys short-term borrowing program from CRISIL continued to enjoy the highest rating of A1+. CRISILs assessment of your Companys risk profile strengthens the confidence placed by a large pool of investors in your Company. Further the Tier II Subordinated Debts are issued dual rated by CRISIL and ICRA with a rating of AA+. AA+ indicates high degree of safety regarding timely servicing of financial obligations and carries a very low credit risk. ANNUAL REPORT 2011-12 10.00 1.62 7,697.52 99,450.86 0.08 0.01 6,357.25 68,672.42 180,511.06 57,221.83 187.99 57,033.84 18,546.26 38,487.58 68,672.42 107,160.00 31st March 2011 137,312.88 48,372.92 184.49 48,188.43 16,402.16 31,786.27 43,243.49 75,029.76
FINANCE Your Company continues to be a Non Deposit Accepting company. Your Company continued its strategy of diversified funding. Your Company has a diversified and large pool of lenders comprising of Public Sector Banks, Private and MNC Banks, Mutual Funds, Insurance Companies, Financial Institutions, Foreign Institutional Investors (FII) and Corporates. Your Company introduced new investors and continued to borrow through instruments like Debentures (NCDs), Commercial papers, Securitization transactions, etc. Your Company continued to make use of derivative products like interest rate / foreign currency swaps to manage its Asset / Liability GAP and optimize borrowings costs. During Financial Year 2011-12 the trends in the financial markets witnessed a volatile interest rate environment amid uncertain global scenario. Domestically, inflation management remained a key concern for Central Bank through the year though growth concerns did surface during the latter part of the year. Interest rates in the system remained high and liquidity remained negative for most part of the year. Globally, financial markets were on high vigilance during the financial year due to the unfolding Euro debt crises. Your Company with its established treasury philosophies and practices remains well geared to meet the challenges of a dynamic interest rate and liquidity environment. MANAGEMENT DISCUSSION AND ANALYSIS Company Business Your Company is primarily into car finance, engaged in financing of retail customers of passenger cars and multi-utility vehicles and inventory and term funding to car dealers. Your Company finances new and used cars under retail loan, hire purchase and lease contracts. The main streams of income for your Company are retail income, dealer finance income and fee based income. Your Company also receives income from loans against securities, securitization transactions, purchase of non performing assets, personal loans, corporate loans and developer funding. The major expenses for your Company are interest expense, business sourcing expense and cost of running operations. During the Financial Year 2011-12, your Companys retail vehicle disbursements were at 567,715 lakhs as against 510,672 lakhs in the previous year. During the year under review, gross advances stood at 1,341,769 lakhs as against 1,120,807 lakhs in the previous year. The Financial Year 2011-12 witnessed a benign interest rate environment. The pressure of maintaining the margins in the retail car finance business continued during the year. Your Company continued to focus on cost control and credit losses, while improving its positioning in the car finance market by scaling up the business. Your Companys good relationships with key stake holders viz. manufacturers, dealers and customers helped it to substantially grow disbursement volumes by 11%. As detailed in the Financial Results section above, Gross Income of your Company increased from `137,312.88 lakhs in 2010-11 to `180,511.06 lakhs in 2011-12. Profit before Tax was at `57,033.84 lakhs in 2011-12 as compared to `48,188.43 lakhs in 2010-11, an increase of 18%. The credit loss ratio of your Company was maintained at 0.08 % in a very challenging year. There have been certain instances of misappropriation of vehicles or use of deception to obtain vehicle loans by some of the customers and sharing of brokerage by Direct Marketing Agents with an employee involving an aggregate amount of 232.86 lakhs, also reported in annexure to auditors report. The said instances are inherent in the nature of business of the Company and adequate provision in respect thereof has been made in the accounts for the year. Industry Scenario The passenger car market in India saw a growth of 3% for the Financial Year 2011-12 as compared to a growth of 32% for 2010-11. Total unit sales of cars and MUVs crossed 25.51 lakh units in financial year 2011-12. Prospects Passenger car sales are likely to grow in single digit at about 7 to 8%. Your Company has, carved out a niche for itself in the car-financing segment focusing on distribution and relationship management across manufacturers, dealers, channel partners and customers. Fee based income is an important initiative of your Company. Dedicated infrastructure is in place to give a further impetus to the growth of fee based income with a twin objective of offering value added services to customers and leveraging the large existing customer database to generate further fee based income. Customer knowledge, easy accessibility through its wide network of branches and a firm commitment to deliver superior customer service are key drivers for your Companys performance. Internal Audit The Internal Audit department of Kotak Mahindra Bank Limited, the parent company, regularly conducts a review to assess the financial and operating controls at various locations of your Company including Head Office functions and at branches. Reports of the audits conducted by the Internal Audit department are presented to the Audit Committee. Representatives of the statutory auditors are permanent invitees to the Audit Committee.
Human Resources The Company is professionally managed with key management personnel having relatively long tenure with the Company. Your Company follows a policy of building strong teams of talented professionals. Your Company encourages and facilitates long term careers with your Company through carefully designated management development programs and performance management systems. Information Technology Your Company uses the operating system CORE which is owned and managed by Kotak Mahindra Bank Limited and is used for its retail assets division since 2003 and uses ORACLE as its Financial system. The CORE system has the latest technology platform and also has capacity to scale based on business requirements. The modular nature of the system supports efficiency in operations coupled with strong systems and operational controls. The system is robust to cater to efficient customer service and support marketing initiatives at reasonable cost. Cautionary Note Certain statements in the Management Discussion and Analysis section may be forward-looking and are stated as may be required by applicable laws and regulations. Many factors may affect the actual results, which could be different from what the Directors envisage in terms of future performance and outlook. Your Company does not undertake to update these statements. DIRECTORS Mr. C. Jayaram, Ms. Shanti Ekambaram and Mr. Dipak Gupta, retire by rotation at the Sixteenth Annual General Meeting and being eligible, have offered themselves for re-appointment. Mr. Sumit Bali was appointed as an Additional Director of the Company with effect from 1st June 2011 and, pursuant to the proviso to Section 260 of the Companies Act, 1956, holds office as a Director up to the date of this Annual General Meeting but is eligible to be appointed as a Director. In terms of Section 257 of the Companies Act, 1956 the Company has received notice in writing from a member along with a requisite deposit of 500 proposing the candidature of Mr. Sumit Bali for his appointment as a Director. Mr. Sumit Bali has done his Post Graduate Diploma in Management from IIM Ahmedabad. He has been the Chief Executive Officer of your Company for over 5 years and has over 20 years of experience, of which 16 years have been with Kotak Group. Currently, Mr. Sumit Bali is the Executive Vice President Retail Personal Assets of Kotak Mahindra Bank Limited. EXECUTIVE MANAGEMENT During the year Mr. Vyomesh Kapasi was appointed as the Chief Executive Officer and Manager of your Company with effect from 1st June 2011. Mr. Sumit Bali was the Chief Executive Officer and Manager of your Company till 31st May 2011 and has subsequently moved to Kotak Mahindra Bank Limited. COMMITTEES (a) AUDIT COMMITTEE The Audit Committee was reconstituted by the Board on 15th July 2011. The reconstituted Audit Committee consists of Mr. Dipak Gupta, Mr. Arvind Kathpalia, Mr. Jaimin Bhatt, Mr. K.V.S. Manian and Mr. Sumit Bali. The quorum comprises of any two members. During the year, five meetings of the Committee were held on 26th April 2011, 20th July 2011, 22nd October 2011, 15th December 2011 and 21st January 2012. Mr. Dipak Gupta, Mr. Jaimin Bhatt and Mr. K. V. S. Manian attended all the meetings. Mr. Arvind Kathpalia attended two meetings and Mr. Sumit Bali attended three meetings of the Committee. The First Tier Audit Committee was reconstituted by the Board on 15th July 2011. The reconstituted Committee consists of Mr. Sumit Bali, Mr. Vyomesh Kapasi, Mr. Harish Shah and Ms. Suman Sidana. The Committee screens the matters entrusted to the Audit Committee and also the routine matters such as overseeing the programme of inspections and compliance of inspection reports. (b) REMUNERATION COMMITTEE The Remuneration Committee consists of Mr. Dipak Gupta and Mr. C Jayaram and has been formed to approve the remuneration payable to the Whole-time Director/Manager of the Company, as required under the amended Part II in Section II of Schedule XIII of the Companies Act, 1956. During the year, two meetings of the Committee were held on 31st May 2011 and 15th June 2011. Both the meetings were attended by both the members of the Committee. (c) NOMINATION COMMITTEE The Nomination Committee consists of Mr. Uday Kotak, Mr. Dipak Gupta and Mr. C. Jayaram. During the year, two meetings of the Committee were held on 25th April 2011 and 23rd May 2011 and all the members attended both the meetings. Subsequently, one meeting of the Committee was held on 23rd April 2012 and was attended by all members.
(d)
COMMITTEE OF THE BOARD OF DIRECTORS The Committee of the Board of Directors was re-constituted by the Board on 25th August 2011. The reconstituted Board Committee consists of Mr. Dipak Gupta, Mr. Arvind Kathpalia, Mr. K.V.S. Manian and Mr. Sumit Bali. The quorum comprises of any two members. The Committee looks into the routine transactions of Company which inter alia include authorizing opening, operation & closure of bank accounts of the Company, authorizing officials of the Company to execute various documents/agreements, issuing power of attorney for representing the Company in various Court of Laws and before various Statutory Authorities and borrowing of money within the delegated limit. During the year, forty one meetings of the Committee were held. Mr. Dipak Gupta attended all the meetings, Mr. C. Jayaram attended eleven meetings, Mr. Arvind Kathpalia attended twenty eight meetings, Mr. K.V.S. Manian attended fifteen meetings and Mr. Sumit Bali attended fourteen meetings.
(e)
RISK MANAGEMENT COMMITTEE The Company has a two level structure for the Risk Management Committee. The Tier I level Committee was re-constituted by the Board on 15th July 2011 and consists of three members, namely Mr. Vyomesh Kapasi, Ms. Suman Sidana and Mr. Harish Shah. The quorum comprises of any two members. During the year, four meetings of the Tier I level Committee were held. Mr. Vyomesh Kapasi, Mr. Harish Shah and Ms. Suman Sidana attended three meetings and Mr. Sumit Bali attended one meeting. The Tier II level (supervisory level) was re-constituted by the Board on 15th July 2011 and consists of four Directors of the Board, namely Mr. Dipak Gupta, Mr. Arvind Kathpalia, Mr. K.V.S. Manian and Mr. Sumit Bali. The quorum comprises of any two members. During the year, four meetings of the Tier II level Committee were held. Mr. K.V. S. Manian and Mr. Sumit Bali attended three meetings and Mr. Arvind Kathpalia attended one meeting.
(f)
ASSET LIABILITY COMMITTEE (ALCO) The ALCO was re-constituted by the Board on 15th July 2011 and consists of Mr. Mohan Shenoi, Mr. Arvind Kathpalia, Mr. K.V.S. Manian, Mr. Sumit Bali, Mr. Vyomesh Kapasi and Ms. Suman Sidana. The quorum comprises of any three members. Members of ALCO meet every month to discuss various issues for the effective management of the assets and liabilities of the Company. During the year, twelve meetings of the Committee were held. Mr. Sumit Bali attended eleven meetings, Mr. K.V. S. Manian and Mr. Vyomesh Kapasi attended ten meetings, Mr. Mohan Shenoi and Ms. Suman Sidana attended nine meetings and Mr. Arvind Kathpalia attended five meetings.
AUDITORS The Companys auditors Messrs. Deloitte Haskins & Sells, Chartered Accountants, Baroda, retire at the Sixteenth Annual General Meeting. Messrs. Deloitte Haskins & Sells, Chartered Accountants, Baroda, have consented to act as Auditors of the Company and are eligible for reappointment. STATUTORY INFORMATION The particulars of employees as required under Section 217 (2A) of the Companies Act, 1956, read with the Companies (Particulars of Employees) Rules, 1975, is annexed. During the year under review, your Company did not accept any deposits from the public. There are no deposits due and outstanding as on 31st March 2012. Your Companys foreign exchange outgo was 4387.87 lakhs. It had no foreign exchange earnings. The other particulars prescribed under the Companies (Disclosure of Particulars in the Report of Board of Directors) Rules, 1988, are not applicable since your Company is not a manufacturing company. DIRECTORS RESPONSIBILITY STATEMENT Based on representations from the Operational Management, the Directors state, in pursuance of Section 217 (2AA) of the Companies Act, 1956, that: i) the Company has, in the preparation of the annual accounts for the year ended 31st March 2012, followed the applicable accounting standards along with proper explanations relating to material departures, if any; the Directors have selected such accounting policies and applied them consistently and made judgements and estimates that are reasonable and prudent so as to give a true and fair view of the state of affairs of the Company as at 31st March 2012 and of the profit of the Company for the financial year ended 31st March 2012;
ii)
iii)
the Directors have taken proper and sufficient care to the best of their knowledge and ability, for the maintenance of adequate accounting records in accordance with the provisions of the Act for safeguarding the assets of the Company and for preventing and detecting fraud and other irregularities; and the Directors have prepared the annual accounts on a going concern basis.
iv)
ACKNOWLEDGEMENTS The Directors thank the shareholders, dealers and their staff for the strong support that they have continued to extend to your Company. The Board also takes this opportunity to place on record its appreciation of the outstanding performance and dedication of your Companys employees at all levels, without whose commitment, the achievement of results as indicated above could not have been possible. The Board also acknowledges the faith reposed in the Company by the Companys lending institutions.
For and on behalf of the Board of Directors Uday Kotak Chairman Mumbai, 25thApril 2012
Auditors Report
TO THE MEMBERS OF KOTAK MAHINDRA PRIME LIMITED 1. We have audited the attached Balance Sheet of KOTAK MAHINDRA PRIME LIMITED (the Company) as at 31st March, 2012, the Statement of Profit and Loss and the Cash Flow Statement of the Company for the year ended on that date, both annexed thereto. These financial statements are the responsibility of the Companys Management. Our responsibility is to express an opinion on these financial statements based on our audit. We conducted our audit in accordance with the auditing standards generally accepted in India. Those Standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatements. An audit includes examining, on a test basis, evidence supporting the amounts and the disclosures in the financial statements. An audit also includes assessing the accounting principles used and the significant estimates made by the Management, as well as evaluating the overall financial statement presentation. We believe that our audit provides a reasonable basis for our opinion. As required by the Companies (Auditors Report) Order, 2003 (CARO) issued by the Central Government in terms of Section 227(4A) of the Companies Act, 1956, we give in the Annexure a statement on the matters specified in paragraphs 4 and 5 of the said Order. Further to our comments in the Annexure referred to in paragraph 3 above, we report as follows: (a) (b) (c) (d) (e) we have obtained all the information and explanations which to the best of our knowledge and belief were necessary for the purposes of our audit; in our opinion, proper books of account as required by law have been kept by the Company so far as it appears from our examination of those books; the Balance Sheet, the Statement of Profit and Loss and the Cash Flow Statement dealt with by this report are in agreement with the books of account; in our opinion, the Balance Sheet, the Statement of Profit and Loss and the Cash Flow Statement dealt with by this report are in compliance with the Accounting Standards referred to in Section 211(3C) of the Companies Act, 1956; in our opinion and to the best of our information and according to the explanations given to us, the said accounts give the information required by the Companies Act, 1956 in the manner so required and give a true and fair view in conformity with the accounting principles generally accepted in India: (i) (ii) in the case of the Balance Sheet, of the state of affairs of the Company as at 31st March, 2012; in the case of the Statement of Profit and Loss, of the profit of the Company for the year ended on that date; and
2.
3.
4.
(iii) in the case of the Cash Flow Statement, of the cash flows of the Company for the year ended on that date. 5. On the basis of the written representations received from the Directors as on 31st March, 2012 and taken on record by the Board of Directors, none of the Directors is disqualified as on 31st March, 2012 from being appointed as a director in terms of Section 274(1)(g) of the Companies Act, 1956.
For DELOITTE HASKINS & SELLS Chartered Accountants (Registration No.117364W) R. SALIVATI Partner (Membership No.34004) MUMBAI, 25th April, 2012
REPORTS AUDITORS REPORT
Annexure to the Auditors Report

(Referred to in paragraph 3 of our report of even date) (i) (ii) Having regard to the nature of the Companys business/activities/result, clauses 4(ii), 4(viii), 4(x), 4(xiii), 4(xviii) and 4(xx) of CARO are not applicable. In respect of its fixed assets: (a) (b) The Company has maintained proper records showing full particulars, including quantitative details and situation of the fixed assets. The fixed assets were physically verified during the year by the Management in accordance with a regular programme of verification which, in our opinion, provides for physical verification of all the fixed assets at reasonable intervals. According to the information and explanation given to us, no material discrepancies were noticed on such verification. The fixed assets disposed off during the year, in our opinion, do not constitute a substantial part of the fixed assets of the Company and such disposal has, in our opinion, not affected the going concern status of the Company. According to the information and explanations given to us, the company has not granted any loans, secured or unsecured, to Companies, firms or other parties covered in the Register maintained under Section 301 of the Companies Act, 1956. In view of what has been stated above, sub-clause (b) regarding terms and conditions of such loans, sub-clause (c) regarding receipt of principal amount and interest and sub-clause (d) regarding steps for recovery of overdue amount of clause 4(iii) of the Companies (Auditors Report) Order, 2003 are not applicable to the company. (b) According to the information and explanations given to us, the company had taken secured loan of Rs.26,000.00 lakhs (by way of issue of Non-Convertible Debentures) from a company covered in the register maintained under section 301 of the Companies Act, 1956. At the year-end, the outstanding balance of such loans taken was Rs.26,000.00 lakhs (which is represented by the NonConvertible Debentures) and the maximum amount involved during the year was Rs.61,874.00 lakhs. The rate of interest and other terms and conditions of such loans are, in our opinion, prima facie not prejudicial to the interests of the Company. The payments of principal amounts and interest in case of the aforesaid loan are as per stipulations.
(c) (iii) (a)
(c) (d)
(iv) In our opinion and according to the information and explanations given to us, there is an adequate internal control system commensurate with the size of the company and the nature of its business with regard to purchase of fixed assets and for the sale of goods and services. The company does not purchase inventory nor does it sell any goods (other than repossessed automobile assets) in the ordinary course of business. During the course of our audit, we have not observed any major weakness in such internal control system. (v) In respect of contracts or arrangements entered in the Register maintained in pursuance of Section 301 of the Companies Act, 1956, to the best of our knowledge and belief and according to the information and explanations given to us: (a) (b) The particulars of contracts or arrangements referred to in Section 301 that needed to be entered in the Register maintained under the said Section have been so entered. Where each of such transaction is in excess of Rs.5 lakhs in respect of any party, the transactions have been made at prices which are prima facie reasonable having regard to the prevailing market prices at the relevant time except in respect of certain purchases for which comparable quotations are not available and in respect of which we are unable to comment.
(vi) According to the information and explanations given to us, the Company has not accepted any deposit from the public during the year. (vii) In our opinion, the Company has an adequate internal audit system commensurate with the size and the nature of its business. (viii) According to the information and explanations given to us in respect of statutory dues: (a) The Company has generally been regular in depositing undisputed dues, including Provident Fund, Investor Education and Protection Fund, Employees State Insurance, Income-tax, Sales Tax, Wealth Tax, Service Tax, Cess and other material statutory dues applicable to it with the appropriate authorities. There were no undisputed amounts payable in respect of Income-tax, Wealth Tax, Cess and other material statutory dues in arrears as at 31st March, 2012 for a period of more than six months from the date they became payable. According to the information and explanation given to us, there are no dues of sales tax, income tax, customs duty, wealth tax, excise duty and cess which have not been deposited on account of any dispute.
(b) (c)
(ix) In our opinion and according to the information and explanations given to us, the Company has not defaulted in the repayment of dues to banks, financial institutions and debenture holders.
(x) (xi)
In our opinion, the Company has maintained adequate records where it has granted loans and advances on the basis of security by way of pledge of shares and other securities. Based on our examination of the records and evaluations of the related internal controls, the Company has maintained proper records of the transactions and contracts in respect of its dealing in shares, securities, debentures and other investments and timely entries have been made therein. The aforesaid securities have been held by the Company in its own name.
(xii) According to the information and explanations given to us, the company has not given any guarantee for the loans taken by others from banks or financial institutions during the year. (xiii) In our opinion and according to the information and explanations given to us, the term loans have been applied for the purposes for which they were obtained, other than temporary deployment pending application. (xiv) In our opinion and according to the information and explanations given to us and on an overall examination of the Balance Sheet, we report that funds raised on short-term basis have not been used during the year for long- term investment. (xv) According to the information and explanations given to us, during the period covered by our audit report, the Company had issued Rs 359,680 lakhs debentures of Rs.10,00,000/- each and Rs 5,510 lakhs of debentures of Rs 5,00,000/- each. The Company has created security in respect of the debentures issued. (xvi) To the best of our knowledge and according to the information and explanations given to us, no fraud by the Company and no material fraud on the Company has been noticed or reported during the year, except that there have been instances of misappropriation of vehicles or use of deception to obtain vehicle loans by some of the customers and sharing of brokerage by Direct Marketing agents with an employee. The aggregate amount on account of the above frauds of Rs.232.86 lakhs. However, as informed to us, such instances are inherent in the nature of business of the company and adequate provision in respect thereof has been made in the accounts for the year.
For DELOITTE HASKINS & SELLS Chartered Accountants (Registration No.117364W) R. SALIVATI Partner (Membership No.34004) MUMBAI, 25th April, 2012
REPORTS BALANCE SHEET AND P&L A/c
Balance Sheet as at 31st March 2012

(` in lakhs) Particulars Note No. A 1 EQUITY AND LIABILITIES Shareholders funds (a) (b) 2 Share capital Reserves and surplus 3 4 449.52 191,784.00 192,233.52 Non-current liabilities (a) (b) (c) 3 Long-term borrowings Other long-term liabilities Long-term provisions 5 6 7 610,105.90 3,562.72 1,773.40 615,442.02 Current liabilities (a) (b) (c) (d) Short-term borrowings Trade payables Other current liabilities Short-term provisions 8 9 10 11 284,280.47 26,708.79 406,489.11 2,387.46 719,865.83 TOTAL B 1 ASSETS Non-current assets (a) (i) (ii) (b) (c) (d) (e) 2 Fixed assets Tangible assets Intangible assets Non-current investments Deferred tax assets (net) Long-term loans and advances Other non-current assets 12.A 12.B 13 27.7 14 15 2,795.06 0.83 10,048.88 1,942.09 595,497.13 11,122.91 621,406.90 Current assets (a) (b) (c) (d) (e) Current investments Trade receivables Cash and bank balances Short-term loans and advances Other current assets 16 17 18 19 20 65,185.07 258.19 80,433.47 744,681.28 15,576.46 906,134.47 TOTAL See accompanying notes forming part of the financial statements In terms of our report attached For DELOITTE HASKINS & SELLS Chartered Accountants R. Salivati Partner Place : Mumbai Date : April 25, 2012 For and on behalf of the Board of Directors Dipak Gupta Director Harish Shah Company Secretary Jaimin Bhatt Director 1,527,541.37 25,468.98 202.26 14,168.34 609,127.03 8,218.00 657,184.61 1,191,861.65 2,771.25 5.53 12,289.63 3,923.34 507,779.35 7,907.94 534,677.04 1,527,541.37 275,843.25 23,571.75 330,420.16 4,597.05 634,432.21 1,191,861.65 393,111.53 9,741.46 818.89 403,671.88 449.52 153,308.04 153,757.56 As at 31st March 2012 As at 31st March 2011
Statement of Profit and Loss for the year ended 31 March, 2012
` in lakhs Particulars Note No. For the year ended 31 March, 2012 170,347.51 10,163.55 180,511.06 For the year ended 31 March, 2011 133,285.93 4,026.95 137,312.88
1 2 3 4
Revenue from operations Other income Total revenue (1+2) Expenses (a) (b) (c) (d) Employee benefits expense Finance costs Depreciation and amortisation expense Other expenses
21 22
23 24 12.C 25
4,513.72 100,252.11 187.99 18,523.40 123,477.22
4,330.80 67,256.23 184.49 17,352.93 89,124.45
Total expenses
5 6
Profit before tax (3 - 4) Tax expense: (a) (b) (c) (d) Current tax expense for current year Current tax provision in respect of prior years written back (Net) Net current tax expense Deferred tax charge / (credit)
57,033.84
48,188.43
16,610.00 (44.98) 16,565.02 1,981.24 18,546.26
16,960.00 16,960.00 (557.84) 16,402.16 31,786.27
7 8
Profit for the year (5 - 6) Earnings per share (of ` 10/- each): (a) (b) Basic Diluted 27.6.a 27.6.b
38,487.58
1,100.82 1,100.82
909.42 909.42
See accompanying notes forming part of the financial statements In terms of our report attached For DELOITTE HASKINS & SELLS Chartered Accountants R. Salivati Partner Place : Mumbai Date : April 25, 2012 For and on behalf of the Board of Directors Dipak Gupta Director Harish Shah Company Secretary Jaimin Bhatt Director
10
REPORTS CASH FLOW STATEMENT
Cash Flow Statement for the year ended 31st March 2012
(` in lakhs) 2011-12 Cash flows from operating activities Profit before tax Add/(Less) : Adjustment for Depreciation and amortization expense Profit on sale of current investments Profit / (Loss) on sale of non current investments Dividend on current investments Dividend on non current investments Interest income on current investments Profit on sale of fixed assets Provision for long term employee benefits Provision for short term employee benefits Provision for doubtful debts, receivables and advances Provision for standard assets 187.99 (1,581.13) (706.65) (3.84) (6.89) (7,904.43) (9.35) (261.70) (41.73) (3,016.60) 657.98 184.49 (722.12) 0.36 (1,022.84) (903.57) (7.12) 126.69 73.82 (467.09) 405.50 Operating profit before working capital changes 44,347.49 45,856.55 Increase in Receivables under Financing Activity Increase in Loans and Advances Increase in Current Liabilities Cash used in operations Income Tax paid (net of refunds) Net cash used in operating activities A Cash flows from investing activities Purchase of Fixed assets Sale of Fixed assets Dividend on current investments Dividend on non current investments Interest income on current investments Fixed deposits with banks - not considered as cash and cash equivalents Purchase of Investments Sale of Investments Net cash used in investing activities B (222.63) 24.89 3.84 6.89 7,904.43 1,043.04 (2,829,059.54) 2,793,762.07 (26,537.01) (131.19) 14.18 1,022.84 903.57 807.37 (2,007,322.45) 1,981,656.47 (23,049.21) (220,962.85) (12,212.65) 7,839.48 (225,336.02) (17,064.25) (198,052.78) (282,940.45) (3,904.55) 13,923.66 (272,921.34) (19,609.87) (246,674.66) 57,033.84 48,188.43 2010-11
11
(` in lakhs) 2011-12 2010-11
Cash flows from financing activities Increase in Deep Discount Debentures Increase in Non Convertible Debentures Increase in Short Term Borrowings Increase in other Loans and Advances Dividend paid and Corporate Dividend Tax on preference shares Issue of Preference Shares / Premium on preference shares Net cash from financing activities C Net increase / (decrease) in cash and cash equivalents A+B+C Cash and cash equivalents at the beginning of the year Cash and cash equivalents at the end of the year Notes: 1. 2. 3. Cash and cash equivalents as per Note 18 - Cash and Bank balances The Cash Flow Statement has been prepared under the `Indirect Method as set out in the Accounting Standard - 3 on Cash Flow Statements issued by the Institute of Chartered Accountants of India. The components of Cash and cash equivalents have been changed to exclude bank deposits with original maturity more than three months. Consequently, the Cash flow from Investing activity is higher by ` 1,043.04 lakhs (Previous Year ` 807.37 lakhs) (Refer Note 18) 4. The previous years figures have been regrouped wherever necessary in order to conform to this years presentation. In terms of our report attached For DELOITTE HASKINS & SELLS Chartered Accountants R. Salivati Partner Place : Mumbai Date : April 25, 2012 For and on behalf of the Board of Directors Dipak Gupta Director Harish Shah Company Secretary Jaimin Bhatt Director 92,571.48 21,793.48 35,837.22 140,417.16 (0.09) 290,619.25 66,029.46 13,360.97 79,390.43 52,208.19 81,960.79 26,680.41 91,108.93 10,000.00 261,958.32 (7765.55) 21,126.52 13,360.97
12
REPORTS ACCOUNTING POLICIES & NOTES
Notes forming part of the financial statements

Note 3 Share capital Particulars As at 31 March, 2012 Number of shares ` in lakhs As at 31 March, 2011 Number of shares ` in lakhs
(a)
Authorised Equity shares of ` 10 each with voting rights Redeemable preference shares of `10 each 3,500,000 3,000,000 350.00 300.00 3,500,000 3,000,000 350.00 300.00
(b)
Issued Equity shares of ` 10 each with voting rights Redeemable preference shares of `10 each 3,495,200 1,000,000 349.52 100.00 3,495,200 1,000,000 349.52 100.00
(c)
Subscribed and fully paid up Equity shares of ` 10 each with voting rights Redeemable preference shares of `10 each Total 3,495,200 1,000,000 349.52 100.00 449.52 3,495,200 1,000,000 349.52 100.00 449.52
Refer Notes (i) to (iv) below Notes: (i) Reconciliation of the number of shares and amount outstanding at the beginning and at the end of the reporting period: Opening Balance Fresh issue Bonus ESOP Conversion Buy back Closing Balance
Particulars Equity shares with voting rights Year ended 31 March, 2012 - Number of shares - Amount (` in lakhs) Year ended 31 March, 2011 - Number of shares - Amount (` in lakhs) Redeemable preference shares Year ended 31 March, 2012 - Number of shares - Amount (` in lakhs) Year ended 31 March, 2011 - Number of shares - Amount (` in lakhs) Notes: (ii)
3,495,200 349.52
3,495,200 349.52
3,495,200 349.52
3,495,200 349.52
1,000,000 100.00
1,000,000 100.00
1,000,000 100.00
1,000,000 100.00
The Equity shares of Rs.10 each, fully paid up have equal voting rights. The 10% Redeemable, Non Cumulative, Non Convertible Preference shares are isued at a premium of Rs.990 per share. These shares will be redeemed at Rs.990 per share plus a premium of 7% on the said amount by April 15, 2016 with the earliest put / call option date being July 15, 2012.
(iii) Details of shares held by the holding company and its subsidiaries:
13

Note 3 Share capital (contd.) Particulars
(Continued)
Equity shares with voting rights
Equity shares with differential voting rights
Compulsorily convertible preference shares Number of shares
Optionally convertible preference shares
Redeemable preference shares
As at 31 March, 2012 Kotak Mahindra Bank Limited, the holding company Kotak Securities Limited, subsidiary of the holding company Kotak Mahindra Capital Company Limited, subsidiary of the holding company Kotak Mahindra Asset Management Company Limited, subsidiary of the holding company Kotak Investment Advisors Limited, subsidiary of the holding company As at 31 March, 2011 Kotak Mahindra Bank Limited, the holding company Kotak Securities Limited, subsidiary of the holding company Kotak Mahindra Capital Company Limited, subsidiary of the holding company Kotak Mahindra Asset Management Company Limited, subsidiary of the holding company Kotak Investment Advisors Limited, subsidiary of the holding company 1,782,600 1,712,600 500,000 250,000 250,000 1,782,600 1,712,600 500,000 250,000 250,000
(iv) Details of shares held by each shareholder holding more than 5% shares: Class of shares / Name of shareholder As at 31 March, 2012 Number of shares held Equity shares with voting rights Kotak Mahindra Bank Limited Kotak Securities Limited Redeemable preference shares Kotak Mahindra Capital Company Limited Kotak Mahindra Asset Management Company Limited Kotak Investment Advisors Limited 500,000 250,000 250,000 50 25 25 500,000 250,000 250,000 50 25 25 1,782,600 1,712,600 51 49 1,782,600 1,712,600 51 49 % holding in that class of shares As at 31 March, 2011 Number of shares held % holding in that class of shares
14

Note 4 Reserves and surplus Particulars (a)
(Continued) As at 31 March, 2012 ` in lakhs 67,009.66 67,009.66 17,443.42 7,697.52 25,140.94 182.54 182.54 68,672.42 38,487.58 10.00 1.62 7,697.52 99,450.86 191,784.00 As at 31 March, 2012 ` in lakhs ` in lakhs As at 31 March, 2011 ` in lakhs 57,109.66 9,900.00 67,009.66 11,086.17 6,357.25 17,443.42 182.54 182.54 43,243.49 31,786.27 0.08 0.01 6,357.25 68,672.42 153,308.04 As at 31 March, 2011 ` in lakhs
Securities premium account Opening balance Add : Premium on shares issued during the year Closing balance (b) Special Reserve u/s 45 IC of the RBI Act, 1934 Opening balance Add:Transferred from surplus in Statement of Profit and Loss Closing balance (c) General reserve Opening balance Add: Transferred from surplus in Statement of Profit and Loss Closing balance (d) Surplus in Statement of Profit and Loss Opening balance Add: Profit for the year Less: Dividends proposed to be distributed to preference shareholders (Re 1 per share) Tax on dividend Transferred to: Special Reserve u/s 45 IC of the RBI Act, 1934 Closing balance Total Note 5 Long-term borrowings Particulars (a) Bonds / debentures (Refer Note (i) below) Non Convertible Debentures Secured Index Linked Debentures Secured Less:Unamortised Discount Deep Discount Debentures Secured Less: Discount not written off Debentures issued at discount Secured Less: Discount not written off
198,830.00 26,145.00 2,090.10 24,054.90 139,630.00 21,288.30 118,341.70 32,500.00 251.52
112,870.00 28,595.00 2,650.34 25,944.66 49,800.00 5,050.58 44,749.42 15,000.00 84.57 14,915.43
32,248.48 Non Convertible Debentures - Subordinated Debts Unsecured 45,670.00 32,610.00 (b) Term loans from Banks (Refer Note (ii) below) Secured 190,241.79 161,477.55 (c) Loan/Lease Deposits Unsecured 719.03 544.47 Total 610,105.90 393,111.53 Note (i) The Debentures are redeemable at par.The Non Convertible Debentures, Index Linked Debentures, Deep Discount Debentures and Debentures issued at Discount are secured by way of a first and pari passu mortgage in favour of the Security Trustee on the Companys immovable property of ` 18.07 lakhs and further secured by way of hypothecation of charged assets such as receivables arising out of loan, lease and hire purchase, book debts and current assets (other than investments). ANNUAL REPORT 2011-12
15
1)
The details of Non Convertible Debentures are as under : Rate of Int 10.50% 10.05% 10.05% 10.20% 10.20% 10.35% 10.50% 11.00% 11.00% 11.00% 10.50% 11.00% 10.45% 10.65% 11.05% 10.45% 10.90% 10.90% 10.25% 10.25% 10.15% 10.50% 10.33% 10.45% 10.10% 10.15% 10.50% 10.20% 10.20% 9.10% 10.00% 10.00% 10.25% 10.20% 10.25% 10.40% 10.25% 11.10% 8.35% 11.10% 11.00% 8.25% Maturity Date 22-Nov-16 15-Mar-15 5-Mar-15 20-Sep-14 11-Sep-14 8-Aug-14 27-Jul-14 25-Jul-14 22-Jul-14 18-Jul-14 14-Jul-14 11-Jul-14 30-Jun-14 10-Jun-14 30-May-14 29-May-14 28-Apr-14 27-Mar-14 14-Feb-14 16-Jan-14 13-Dec-13 22-Nov-13 8-Nov-13 24-Oct-13 20-Sep-13 13-Sep-13 13-Sep-13 11-Sep-13 11-Sep-13 2-Sep-13 26-Aug-13 12-Aug-13 29-Jul-13 24-Jul-13 19-Jul-13 18-Jul-13 18-Jul-13 7-Jun-13 30-May-13 24-May-13 20-May-13 6-May-13 As at 31st March, 2012 Secured Unsecured 25,000.00 13,000.00 15,000.00 3,000.00 1,500.00 5,000.00 5,000.00 6,000.00 4,000.00 5,000.00 1,000.00 5,000.00 500.00 2,000.00 3,000.00 1,500.00 1,000.00 500.00 200.00 500.00 1,500.00 25,000.00 2,500.00 6,000.00 4,800.00 250.00 5,000.00 5,000.00 2,500.00 800.00 500.00 2,500.00 1,500.00 2,500.00 280.00 1,500.00 1,000.00 2,500.00 7,000.00 2,500.00 2,500.00 5,000.00 As at 31st March, 2011 Secured Unsecured 200.00 500.00 800.00 280.00 7,000.00 5,000.00 -
Particulars 2500 debentures of Rs. 1,000,000 each 1300 debentures of Rs. 1,000,000 each 1500 debentures of Rs. 1,000,000 each 300 debentures of Rs. 1,000,000 each 150 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 600 debentures of Rs. 1,000,000 each 400 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 100 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 50 debentures of Rs. 1,000,000 each 200 debentures of Rs. 1,000,000 each 300 debentures of Rs. 1,000,000 each 150 debentures of Rs. 1,000,000 each 100 debentures of Rs. 1,000,000 each 50 debentures of Rs. 1,000,000 each 20 debentures of Rs. 1,000,000 each 50 debentures of Rs. 1,000,000 each 150 debentures of Rs. 1,000,000 each 2500 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 600 debentures of Rs. 1,000,000 each 480 debentures of Rs. 1,000,000 each 25 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 80 debentures of Rs. 1,000,000 each 50 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 150 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 28 debentures of Rs. 1,000,000 each 150 debentures of Rs. 1,000,000 each 100 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 700 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each
16
Particulars 250 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 100 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 150 debentures of Rs. 1,000,000 each 350 debentures of Rs. 1,000,000 each 200 debentures of Rs. 1,000,000 each 18 debentures of Rs. 1,000,000 each 465 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 60 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 22 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 100 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 150 debentures of Rs. 1,000,000 each 100 debentures of Rs. 1,000,000 each 150 debentures of Rs. 1,000,000 each 50 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 410 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 100 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 300 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 150 debentures of Rs. 1,000,000 each 176 debentures of Rs. 1,000,000 each 400 debentures of Rs. 1,000,000 each 600 debentures of Rs. 1,000,000 each 53 debentures of Rs. 1,000,000 each 150 debentures of Rs. 1,000,000 each 55 debentures of Rs. 1,000,000 each
Rate of Int 8.25% 10.75% 10.75% 10.75% 10.40% 8.60% 10.30% 10.58% 11.03% 10.50% 10.25% 8.50% 8.30% 10.05% 9.55% 9.35% 7.88% 8.50% 9.21% 9.21% 8.65% 8.85% 9.00% 8.50% 10.70% 10.61% 10.00% 8.25% 8.25% 10.67% 8.14% 8.25% 7.60% 9.25% 10.60% 9.46% 10.38% 10.25% 10.25% 10.25%
Maturity Date 3-May-13 29-Apr-13 26-Apr-13 26-Apr-13 12-Apr-13 1-Apr-13 29-Mar-13 6-Mar-13 15-Feb-13 8-Feb-13 30-Jan-13 11-Jan-13 11-Jan-13 10-Jan-13 30-Nov-12 19-Nov-12 15-Nov-12 22-Oct-12 18-Oct-12 18-Oct-12 25-Sep-12 20-Sep-12 30-Aug-12 30-Jul-12 2-Jul-12 2-Jul-12 26-Jun-12 22-Jun-12 18-Jun-12 14-Jun-12 5-Jun-12 29-May-12 7-May-12 3-May-12 24-Apr-12 23-Apr-12 23-Apr-12 19-Apr-12 4-Apr-12 3-Apr-12
As at 31st March, 2012 Secured Unsecured 2,500.00 5,000.00 1,000.00 5,000.00 1,500.00 3,500.00 198,830.00 -
As at 31st March, 2011 Secured Unsecured 2,500.00 3,500.00 2,000.00 180.00 4,650.00 2,500.00 600.00 2,500.00 5,000.00 220.00 5,000.00 1,000.00 5,000.00 2,500.00 1,500.00 1,000.00 1,500.00 500.00 2,500.00 2,500.00 4,100.00 2,500.00 1,000.00 5,000.00 10,000.00 3,000.00 2,500.00 5,000.00 2,500.00 1,500.00 1,760.00 4,000.00 6,000.00 530.00 2,500.00 550.00 112,870.00 -
17
2)
The details of Index Linked Debentures are as under : Rate of Int Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Maturity Date 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 25-Feb-15 5-Jan-15 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 As at 31st March, 2012 Secured Unsecured 438.42 4.38 4.38 4.38 17.54 26.31 4.38 4.38 21.92 4.38 4.38 8.77 4.38 4.38 4.38 35.07 4.38 4.38 4.38 8.77 4.38 43.84 4.38 4.38 4.38 4.38 4.38 444.61 4.50 4.50 4.50 9.00 4.50 4.50 4.50 4.50 4.50 18.00 4.50 4.50 4.50 13.50 As at 31st March, 2011 Secured Unsecured -
Particulars 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 5 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 8 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 10 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each
100 debentures of Rs. 500,000 each Linked to NSE Nifty
100 debentures of Rs. 500,000 each Linked to NSE Nifty 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty
18
Particulars 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 6 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 10 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each
Rate of Int Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty
Maturity Date 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14 26-Nov-14
As at 31st March, 2012 Secured Unsecured 4.50 9.00 4.50 4.50 4.50 9.00 4.50 9.00 4.50 9.00 4.50 4.50 27.01 4.50 4.50 9.00 4.50 4.50 4.50 4.50 45.01 4.50 4.50 4.50 9.00 4.50 9.00 9.00 4.50 4.50 4.50 9.00 4.50 4.50 4.50 18.00 18.00 18.00 9.00 90.02 4.50 4.50 18.00 -
As at 31st March, 2011 Secured Unsecured -
19
Particulars 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 8 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each
Maturity Date 26-Nov-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14
20
Particulars 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each
Rate of Int Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty
Maturity Date 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Oct-14 22-Sep-14 22-Sep-14 22-Sep-14 22-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14
160 debentures of Rs. 500,000 each Linked to NSE Nifty 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 20 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 5 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 5 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty
21
Particulars 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 5 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 7 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 6 debentures of Rs. 500,000 each
Maturity Date 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14
22
Particulars 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each
Maturity Date 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 12-Sep-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14
23
Particulars 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 5 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each
Maturity Date 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14 8-Aug-14
24
Particulars 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 5 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each
Maturity Date 8-Aug-14 8-Aug-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14
As at 31st March, 2011 Secured Unsecured 4.59 4.59 9.17 27.51 4.59 4.59 4.59 4.59 9.17 4.59 9.17 4.59 4.59 4.59 4.59 4.59 9.17 9.17 4.59 4.59 4.59 22.93 4.59 4.59 9.17 4.59 4.59 4.59 4.59 4.59 4.59 4.59 4.59 4.59 4.59 4.59 9.17 4.59 9.17 4.59 9.17 -
25
Particulars 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 10 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each
Maturity Date 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 21-Apr-14 4-Apr-14
As at 31st March, 2012 Secured Unsecured 4.72 4.72 4.72 4.72 4.72 9.44 4.72 4.72 4.72 4.72 4.72 4.72 14.15 4.72 9.44 9.44 4.72 4.72 4.72 4.72 4.72 4.72 18.87 4.72 4.72 4.72 4.72 9.44 4.72 4.72 9.44 18.87 4.72 4.72 4.72 4.72 4.72 47.18 9.44 4.72 9.44 18.58 -
26
Particulars 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 6 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 5 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 5 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 40 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each
27
Particulars 10 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 5 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each
28
Particulars 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each
Rate of Int Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty
Maturity Date 4-Apr-14 4-Apr-14 4-Apr-14 4-Apr-14 4-Apr-14 4-Apr-14 4-Apr-14 4-Apr-14 4-Apr-14 4-Apr-14 4-Apr-14 4-Apr-14 4-Apr-14 4-Apr-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14
As at 31st March, 2012 Secured Unsecured 4.65 9.29 4.65 4.65 18.58 4.65 4.65 4.65 9.29 9.29 4.65 4.65 9.29 9.29 23.34 466.74 23.34 18.67 700.11 93.35 70.01 18.67 28.00 280.04 9.33 46.67 46.67 46.67 18.67 37.34 74.68 37.34 93.35 9.33 1,353.55 93.35 933.48 23.34 233.37 140.02 37.34 18.67 18.67 -
As at 31st March, 2011 Secured Unsecured 4.48 8.96 4.48 4.48 17.91 4.48 4.48 4.48 8.96 8.96 4.48 4.48 8.96 8.96 22.53 450.54 22.53 18.02 675.81 90.11 67.58 18.02 27.03 270.32 9.01 45.05 45.05 45.05 18.02 36.04 72.09 36.04 90.11 9.01 1,306.56 90.11 901.08 22.53 225.27 135.16 36.04 18.02 18.02 -
100 debentures of Rs. 500,000 each Linked to NSE Nifty 5 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each Linked to NSE Nifty Linked to NSE Nifty
150 debentures of Rs. 500,000 each Linked to NSE Nifty 20 debentures of Rs. 500,000 each 15 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 60 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 8 debentures of Rs. 500,000 each 16 debentures of Rs. 500,000 each 8 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty
290 debentures of Rs. 500,000 each Linked to NSE Nifty 20 debentures of Rs. 500,000 each Linked to NSE Nifty
200 debentures of Rs. 500,000 each Linked to NSE Nifty 5 debentures of Rs. 500,000 each 50 debentures of Rs. 500,000 each 30 debentures of Rs. 500,000 each 8 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty
29
Particulars 8 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 40 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each
Rate of Int Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty
Maturity Date 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Mar-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14
100 debentures of Rs. 500,000 each Linked to NSE Nifty 10 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 12 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 13 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 15 debentures of Rs. 500,000 each 16 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 25 debentures of Rs. 500,000 each 32 debentures of Rs. 500,000 each 50 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 46 debentures of Rs. 500,000 each 81 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 30 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 40 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty
30
Particulars 7 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 13 debentures of Rs. 500,000 each 31 debentures of Rs. 500,000 each 16 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 12 debentures of Rs. 500,000 each 40 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 8 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 18 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 11 debentures of Rs. 500,000 each 8 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 17 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each
Maturity Date 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14
31
Particulars 10 debentures of Rs. 500,000 each 34 debentures of Rs. 500,000 each 31 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 40 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 10 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 8 debentures of Rs. 500,000 each 13 debentures of Rs. 500,000 each 15 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 40 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 30 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 17 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 18 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 14 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 14 debentures of Rs. 500,000 each 32 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each
Maturity Date 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14
32
Particulars 11 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each
Rate of Int Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty
Maturity Date 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 14-Feb-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 24-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14
As at 31st March, 2012 Secured Unsecured 51.28 46.61 93.23 1,267.90 46.95 61.03 4.38 8.77 4.38 4.38 8.77 4.38 4.38 4.38 4.38 4.38 8.77 26.30 4.38 8.77 4.38 8.77 13.15 78.91 17.54 4.38 4.38 13.15 4.38 4.38 4.38 13.15 4.38 8.77 8.78 4.39 4.39 4.39 8.78 8.78 4.39 -
As at 31st March, 2011 Secured Unsecured 49.39 44.90 89.80 1,221.27 45.40 59.02 89.80 31.43 -
272 debentures of Rs. 500,000 each Linked to NSE Nifty 10 debentures of Rs. 500,000 each 13 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 7 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 18 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty
33
Particulars 5 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 5 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 9 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each
Maturity Date 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14
34
Particulars 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 20 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 5 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each
Rate of Int Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty
Maturity Date 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 21-Jan-14 28-Nov-13 16-Jul-13 16-Jul-13 16-Jul-13 16-Jul-13 16-Jul-13 16-Jul-13 16-Jul-13 16-Jul-13 16-Jul-13 16-Jul-13 16-Jul-13 16-Jul-13 16-Jul-13 25-Apr-13
As at 31st March, 2011 Secured Unsecured 921.26 4.58 -
200 debentures of Rs. 500,000 each Linked to NSE Nifty 4 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 14 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 7 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty
35
Particulars 5 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 5 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 5 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 16 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each
36
Particulars 1 debenture of Rs. 500,000 each 5 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 20 debentures of Rs. 500,000 each 50 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 50 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 14 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 10 debentures of Rs. 500,000 each 14 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each
Rate of Int Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty
Maturity Date 24-Apr-13 24-Apr-13 24-Apr-13 24-Apr-13 24-Apr-13 24-Apr-13 24-Apr-13 24-Apr-13 24-Apr-13 24-Apr-13 24-Apr-13 24-Apr-13 24-Apr-13 24-Apr-13 24-Apr-13 22-Apr-13 22-Apr-13 22-Apr-13 22-Apr-13 22-Apr-13 22-Apr-13 22-Apr-13 22-Apr-13 22-Apr-13 22-Apr-13 22-Apr-13 22-Apr-13 22-Apr-13 22-Apr-13 22-Apr-13 22-Apr-13 22-Apr-13 22-Apr-13 22-Apr-13 22-Apr-13 15-Mar-13 15-Mar-13 15-Mar-13 15-Mar-13 15-Mar-13 15-Mar-13 15-Mar-13 15-Mar-13
As at 31st March, 2012 Secured Unsecured 4.84 24.18 24.18 9.67 9.67 4.84 9.67 4.84 4.84 4.84 9.67 96.73 4.84 9.67 4.84 94.78 236.95 9.48 47.39 236.95 47.39 9.48 9.48 28.43 9.48 47.39 94.78 14.22 47.39 66.34 4.74 47.39 66.34 47.39 -
100 debentures of Rs. 500,000 each Linked to NSE Nifty 5 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 8 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 62 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty
100 debentures of Rs. 500,000 each Linked to NSE Nifty
37
Particulars 4 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each
Rate of Int Linked to NSE Nifty Linked to NSE Nifty
Maturity Date 27-Feb-13 27-Feb-13 27-Feb-13 27-Feb-13 23-Jan-13 23-Jan-13 23-Jan-13 23-Jan-13 23-Jan-13 23-Jan-13 23-Jan-13 23-Jan-13 23-Jan-13 23-Jan-13 23-Jan-13 23-Jan-13 23-Jan-13 23-Jan-13 23-Jan-13 23-Jan-13 23-Jan-13 23-Jan-13 23-Jan-13 23-Jan-13 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12
100 debentures of Rs. 500,000 each Linked to NSE Nifty 160 debentures of Rs. 500,000 each Linked to NSE Nifty 3 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty
38
Particulars 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 10 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each
Maturity Date 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12
39
Particulars 4 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 8 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 8 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each
Maturity Date 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12
40
Particulars 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 8 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 47 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 52 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 50 debentures of Rs. 500,000 each 12 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each
Maturity Date 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 30-Nov-12 28-Sep-12 28-Sep-12 28-Sep-12 28-Sep-12 28-Sep-12 28-Sep-12 28-Sep-12 28-Sep-12 28-Sep-12 28-Sep-12 28-Sep-12 28-Sep-12 28-Sep-12 28-Sep-12 28-Sep-12 28-Sep-12 28-Sep-12 28-Sep-12 28-Sep-12 28-Sep-12 28-Sep-12 30-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12
41
Particulars 5 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 50 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 24 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 20 debentures of Rs. 500,000 each 8 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 12 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 8 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each
Maturity Date 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12
42
Particulars 20 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 5 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 20 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 6 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each
43
Particulars 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 8 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 24 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each
Rate of Int Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty
Maturity Date 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12 23-Apr-12
As at 31st March, 2012 Secured Unsecured 24,054.90 -
As at 31st March, 2011 Secured Unsecured 14.20 4.73 9.47 4.73 18.93 9.47 18.93 14.20 9.47 9.47 4.73 37.87 9.47 4.73 9.47 9.47 9.47 4.73 4.73 9.47 28.40 113.60 4.73 4.73 4.73 4.73 4.73 4.73 4.73 9.47 94.67 4.73 4.73 4.73 4.73 9.47 4.73 4.73 4.73 18.93 4.73 4.73 25,944.66 -
44
3)
The details of Deep Discount Debentures are as under : Maturity Date 6-Apr-15 9-Mar-15 6-Mar-15 4-Mar-15 9-Feb-15 3-Feb-15 7-Jan-15 As at 31st March, 2012 Secured Unsecured 977.17 1,377.63 1,000.89 2,418.06 459.31 1,021.58 2,691.13 847.69 1,545.62 1,237.85 1,358.01 1,709.89 6,358.29 2,642.94 3,471.38 1,627.08 1,108.95 3,582.53 2,213.51 1,405.91 687.51 1,121.84 1,352.60 1,272.66 740.22 724.20 1,276.41 1,089.75 511.16 2,557.47 2,051.00 1,976.27 4,086.35 2,568.61 1,353.92 2,977.74 8,232.59 1,186.22 404.72 707.07 442.65 531.42 As at 31st March, 2011 Secured Unsecured -
Particulars 130 debentures of Rs. 1,000,000 each issued at Rs. 97,423,690 182 debentures of Rs. 1,000,000 each issued at Rs. 136,813,950 132 debentures of Rs. 1,000,000 each issued at Rs. 99,283,140 319 debentures of Rs. 1,000,000 each issued at Rs. 239,925,323 60 debentures of Rs. 1,000,000 each issued at Rs. 45,392,160 133 debentures of Rs. 1,000,000 each issued at Rs. 100,523,395 350 debentures of Rs. 1,000,000 each issued at Rs. 263,699,450 110 debentures of Rs. 1,000,000 each issued at Rs. 82,797,550 200 debentures of Rs. 1,000,000 each issued at Rs. 150,345,000 160 debentures of Rs. 1,000,000 each issued at Rs. 120,009,600 175 debentures of Rs. 1,000,000 each issued at Rs. 132,653,500 221 debentures of Rs. 1,000,000 each issued at Rs. 164,376,485 820 debentures of Rs. 1,000,000 each issued at Rs. 609,739,700 340 debentures of Rs. 1,000,000 each issued at Rs. 251,582,660 430 debentures of Rs. 1,000,000 each issued at Rs. 339,650,980 198 debentures of Rs. 1,000,000 each issued at Rs. 160,284,960 135 debentures of Rs. 1,000,000 each issued at Rs. 110,545,695 435 debentures of Rs. 1,000,000 each issued at Rs. 350,619,135 268 debentures of Rs. 1,000,000 each issued at Rs. 220,654,584 170 debentures of Rs. 1,000,000 each issued at Rs. 140,149,360 82 debentures of Rs. 1,000,000 each issued at Rs. 67,999,156 133 debentures of Rs. 1,000,000 each issued at Rs. 110,390,532 159 debentures of Rs. 1,000,000 each issued at Rs. 131,421,927 150 debentures of Rs. 1,000,000 each issued at Rs. 123,385,950 87 debentures of Rs. 1,000,000 each issued at Rs. 71,779,002 85 debentures of Rs. 1,000,000 each issued at Rs. 70,157,385 150 debentures of Rs. 1,000,000 each issued at Rs. 123,183,600 128 debentures of Rs. 1,000,000 each issued at Rs. 105,201,280 60 debentures of Rs. 1,000,000 each issued at Rs. 49,330,680 300 debentures of Rs. 1,000,000 each issued at Rs. 245,766,000 240 debentures of Rs. 1,000,000 each issued at Rs. 197,428,560 230 debentures of Rs. 1,000,000 each issued at Rs. 188,674,980 470 debentures of Rs. 1,000,000 each issued at Rs. 387,615,580 295 debentures of Rs. 1,000,000 each issued at Rs. 249,798,330 155 debentures of Rs. 1,000,000 each issued at Rs. 127,668,540 340 debentures of Rs. 1,000,000 each issued at Rs. 293,928,300 940 debentures of Rs. 1,000,000 each issued at Rs. 812625300 135 debentures of Rs. 1,000,000 each issued at Rs. 117,421,785 46 debentures of Rs. 1,000,000 each issued at Rs. 40,041,252 80 debentures of Rs. 1,000,000 each issued at Rs. 66,313,440 50 debentures of Rs. 1,000,000 each issued at Rs. 43,399,350 60 debentures of Rs. 1,000,000 each issued at Rs. 51,779,460
Rate of Int 9.95% 9.98% 9.95% 9.98% 9.85% 9.80% 9.98%
9.85% 27-Jan-15 9.98% 29-Dec-14 10.10% 15-Dec-14 9.98% 11-Dec-14 10.30% 25-Nov-14 10.45% 10-Nov-14 10.45% 9.98% 4-Nov-14 10-Jul-14
9.80% 13-May-14 9.95% 29-Apr-14 9.96% 25-Apr-14 9.95% 9.95% 9.75% 8-Apr-14 3-Apr-14 3-Feb-14
9.87% 17-Feb-14 9.95% 23-Dec-13 10.20% 19-Dec-13 10.05% 17-Dec-13 10.10% 10.29% 10.29% 9-Dec-13 4-Dec-13 2-Dec-13
10.30% 29-Nov-13 10.35% 25-Nov-13 10.30% 18-Nov-13 10.35% 28-Oct-13 10.13% 26-Sep-13 9.95% 23-Sep-13 10.20% 6-Sep-13 9.90% 30-Aug-13 9.90% 30-Aug-13 9.85% 19-Aug-13 9.85% 14-Aug-13 9.85% 9.87% 9.95% 9-Aug-13 22-Jul-13 18-Jul-13
45
Particulars 52 debentures of Rs. 1,000,000 each issued at Rs. 45,317,688 172 debentures of Rs. 1,000,000 each issued at Rs. 149,565,524 250 debentures of Rs. 1,000,000 each issued at Rs. 205,857,250 120 debentures of Rs. 1,000,000 each issued at Rs. 103,747,440 100 debentures of Rs. 1,000,000 each issued at Rs. 86,993,300 86 debentures of Rs. 1,000,000 each issued at Rs. 74,623,404 47 debentures of Rs. 1,000,000 each issued at Rs. 40,781,618 210 debentures of Rs. 1,000,000 each issued at Rs. 181,972,140 120 debentures of Rs. 1,000,000 each issued at Rs. 104,288,160 441 debentures of Rs. 1,000,000 each issued at Rs. 383,374,089 58 debentures of Rs. 1,000,000 each issued at Rs. 50,258,972 120 debentures of Rs. 1,000,000 each issued at Rs. 104,011,440 616 debentures of Rs. 1,000,000 each issued at Rs. 499,816,240 50 debentures of Rs. 1,000,000 each issued at Rs. 43,588,900 77 debentures of Rs. 1,000,000 each issued at Rs. 66,550,946 230 debentures of Rs. 1,000,000 each issued at Rs. 200,088,730 35 debentures of Rs. 1,000,000 each issued at Rs. 30,307,270 93 debentures of Rs. 1,000,000 each issued at Rs. 82,985,295 500 debentures of Rs. 1,000,000 each issued at Rs. 431,104,000 350 debentures of Rs. 1,000,000 each issued at Rs. 275,381,750 150 debentures of Rs. 1,000,000 each issued at Rs. 129,192,300 120 debentures of Rs. 1,000,000 each issued at Rs. 10,347,7800 150 debentures of Rs. 1,000,000 each issued at Rs. 129,783,450 60 debentures of Rs. 1,000,000 each issued at Rs. 53,495,340 87 debentures of Rs. 1,000,000 each issued at Rs. 75,122,673 116 debentures of Rs. 1,000,000 each issued at Rs. 100,286,176 150 debentures of Rs. 1,000,000 each issued at Rs. 129,942,000 60 debentures of Rs. 1,000,000 each issued at Rs. 53,618,820 60 debentures of Rs. 1,000,000 each issued at Rs. 50,593,020 500 debentures of Rs. 1,000,000 each issued at Rs. 420,641,500 110 debentures of Rs. 1,000,000 each issued at Rs. 95,383,640 300 debentures of Rs. 1,000,000 each issued at Rs. 246,819,300 350 debentures of Rs. 1,000,000 each issued at Rs. 296,296,350 750 debentures of Rs. 1,000,000 each issued at Rs. 635,120,250 400 debentures of Rs. 1,000,000 each issued at Rs. 349,719,600 200 debentures of Rs. 1,000,000 each issued at Rs. 176,993,200 500 debentures of Rs. 1,000,000 each issued at Rs. 442,921,000 90 debentures of Rs. 1,000,000 each issued at Rs. 79,580,430
Rate of Int 9.80% 9.85% 10.32% 9.95% 9.80%
Maturity Date 17-Jul-13 16-Jul-13 10-Jul-13 8-Jul-13 2-Jul-13
As at 31st March, 2012 Secured Unsecured 461.27 1,525.40 2,215.70 1,065.63 890.73 765.82 418.68 1,869.51 1,070.81 3,941.79 518.04 1,072.09 5,468.62 447.47 688.90 2,062.29 313.83 837.02 4,488.27 3,229.64 1,350.30 1,082.63 1,355.22 544.39 786.82 1,052.65 1,363.69 546.65 118,341.70 -
As at 31st March, 2011 Secured Unsecured 2,982.27 530.15 4,442.76 975.52 2,731.39 3,212.45 6,873.38 3,614.79 1,796.73 4,487.82 809.06 9,054.07 3,239.04 -
9.95% 27-Jun-13 9.99% 24-Jun-13 10.05% 24-Jun-13 9.95% 19-Jun-13 10.01% 17-Jun-13 10.10% 12-Jun-13 10.05% 11-Jun-13 11.00% 10-Jun-13 9.99% 6-Jun-13
10.26% 29-May-13 10.10% 28-May-13 10.20% 23-May-13 9.75% 21-May-13 10.30% 16-May-13 8.25% 10.37% 6-May-13 6-May-13
10.42% 26-Apr-13 10.37% 22-Apr-13 9.80% 19-Apr-13 10.42% 17-Apr-13 10.16% 10.07% 9.80% 9-Apr-13 5-Apr-13 3-Apr-13
8.85% 27-Sep-12 9.00% 27-Aug-12 10.00% 9-Jul-12
8.40% 20-Jun-12 8.00% 28-May-12 8.18% 25-May-12 9.38% 21-May-12 10.30% 10.38% 10.35% 7-May-12 7-May-12 3-May-12
1010 debentures of Rs. 1,000,000 each issued at Rs. 898,786,880 360 debentures of Rs. 1,000,000 each issued at Rs. 320,927,040
10.67% 30-Apr-12 10.50% 23-Apr-12
- 44,749.42
46
4)
The details of Debentures issued at Discount are as under : Maturity Date As at 31st March, 2012 Secured Unsecured 12,370.04 12,405.49 7,472.94 32,248.48 As at 31st March, 2011 Secured Unsecured 7,447.09 7,468.35 -
Particulars
Rate of Int
1250 debentures of Rs. 1,000,000 each issued at Rs. 1,232,585,000 10.15% 27-Sep-13 1250 debentures of Rs. 1,000,000 each issued at Rs. 1,236,066,250 10.15% 26-Apr-13 750 debentures of Rs. 1,000,000 each issued at Rs. 743,550,000 750 debentures of Rs. 1,000,000 each issued at Rs. 743,883,750 9.00% 19-Apr-13 8.00% 17-Jul-12
- 14,915.43
5)
The details of Non-convertible Debentures-Subordinated Debts are as under : Maturity Date As at 31st March, 2012 Secured Unsecured 4,000.00 5,000.00 500.00 1,000.00 200.00 50.00 60.00 500.00 50.00 40.00 60.00 100.00 1,000.00 15,000.00 90.00 1,000.00 600.00 300.00 10.00 500.00 500.00 40.00 50.00 40.00 10.00 300.00 10.00 100.00 20.00 50.00 50.00 400.00 100.00 As at 31st March, 2011 Secured Unsecured 15,000.00 90.00 1,000.00 600.00 300.00 10.00 500.00 500.00 40.00 50.00 40.00 10.00 300.00 10.00 100.00 20.00 50.00 50.00 400.00 100.00
Particulars 400 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 50 debentures of Rs. 1,000,000 each 100 debentures of Rs. 1,000,000 each 20 debentures of Rs. 1,000,000 each 5 debentures of Rs. 1,000,000 each 6 debentures of Rs. 1,000,000 each 50 debentures of Rs. 1,000,000 each 5 debentures of Rs. 1,000,000 each 4 debentures of Rs. 1,000,000 each 6 debentures of Rs. 1,000,000 each 10 debentures of Rs. 1,000,000 each 100 debentures of Rs. 1,000,000 each 1500 debentures of Rs. 1,000,000 each 9 debentures of Rs. 1,000,000 each 100 debentures of Rs. 1,000,000 each 60 debentures of Rs. 1,000,000 each 30 debentures of Rs. 1,000,000 each 1 debentures of Rs. 1,000,000 each 50 debentures of Rs. 1,000,000 each 50 debentures of Rs. 1,000,000 each 4 debentures of Rs. 1,000,000 each 5 debentures of Rs. 1,000,000 each 4 debentures of Rs. 1,000,000 each 1 debentures of Rs. 1,000,000 each 30 debentures of Rs. 1,000,000 each 1 debentures of Rs. 1,000,000 each 10 debentures of Rs. 1,000,000 each 2 debentures of Rs. 1,000,000 each 5 debentures of Rs. 1,000,000 each 5 debentures of Rs. 1,000,000 each 40 debentures of Rs. 1,000,000 each 10 debentures of Rs. 1,000,000 each
Rate of Int
11.25% 28-Sep-21 11.00% 23-Sep-21 10.80% 30-Jun-21 10.80% 30-Jun-21 10.80% 30-Jun-21 10.80% 22-Jun-21 10.80% 22-Jun-21 10.80% 22-Jun-21 10.80% 22-Jun-21 10.80% 22-Jun-21 10.80% 22-Jun-21 10.80% 22-Jun-21 10.80% 22-Jun-21 10.50% 23-Apr-21 10.10% 30-Nov-20 10.10% 30-Nov-20 10.10% 30-Nov-20 10.10% 30-Nov-20 10.10% 30-Nov-20 10.10% 30-Nov-20 11.00% 30-Dec-18 11.00% 30-Dec-18 11.00% 30-Dec-18 11.00% 30-Dec-18 11.00% 30-Dec-18 11.00% 30-Dec-18 10.70% 23-Dec-18 10.70% 23-Dec-18 10.70% 23-Dec-18 10.70% 23-Dec-18 10.70% 23-Dec-18 10.70% 23-Dec-18 10.70% 23-Dec-18
47
Particulars 1 debentures of Rs. 1,000,000 each 1 debentures of Rs. 1,000,000 each 110 debentures of Rs. 1,000,000 each 1 debentures of Rs. 1,000,000 each 2 debentures of Rs. 1,000,000 each 10 debentures of Rs. 1,000,000 each 5 debentures of Rs. 1,000,000 each 2 debentures of Rs. 1,000,000 each 2 debentures of Rs. 1,000,000 each 7 debentures of Rs. 1,000,000 each 80 debentures of Rs. 1,000,000 each 5 debentures of Rs. 1,000,000 each 5 debentures of Rs. 1,000,000 each 50 debentures of Rs. 1,000,000 each 3 debentures of Rs. 1,000,000 each 4 debentures of Rs. 1,000,000 each 6 debentures of Rs. 1,000,000 each 6 debentures of Rs. 1,000,000 each 3 debentures of Rs. 1,000,000 each 10 debentures of Rs. 1,000,000 each 1 debentures of Rs. 1,000,000 each 5 debentures of Rs. 1,000,000 each 4 debentures of Rs. 1,000,000 each 10 debentures of Rs. 1,000,000 each 5 debentures of Rs. 1,000,000 each 1 debentures of Rs. 1,000,000 each 2 debentures of Rs. 1,000,000 each 2 debentures of Rs. 1,000,000 each 1 debentures of Rs. 1,000,000 each 4 debentures of Rs. 1,000,000 each 5 debentures of Rs. 1,000,000 each 5 debentures of Rs. 1,000,000 each 30 debentures of Rs. 1,000,000 each 1 debentures of Rs. 1,000,000 each 6 debentures of Rs. 1,000,000 each 3 debentures of Rs. 1,000,000 each 1 debentures of Rs. 1,000,000 each 4 debentures of Rs. 1,000,000 each 1 debentures of Rs. 1,000,000 each 10 debentures of Rs. 1,000,000 each 10 debentures of Rs. 1,000,000 each 20 debentures of Rs. 1,000,000 each 10 debentures of Rs. 1,000,000 each
Rate of Int
Maturity Date
As at 31st March, 2012 Secured Unsecured 10.00 10.00 1,100.00 10.00 20.00 100.00 50.00 20.00 20.00 70.00 800.00 50.00 50.00 500.00 30.00 40.00 60.00 60.00 30.00 100.00 10.00 50.00 40.00 100.00 50.00 10.00 20.00 20.00 10.00 40.00 50.00 50.00 300.00 10.00 60.00 30.00 10.00 40.00 10.00 100.00 100.00 200.00 100.00
As at 31st March, 2011 Secured Unsecured 10.00 10.00 1,100.00 10.00 20.00 100.00 50.00 20.00 20.00 70.00 800.00 50.00 50.00 500.00 30.00 40.00 60.00 60.00 30.00 100.00 10.00 50.00 40.00 100.00 50.00 10.00 20.00 20.00 10.00 40.00 50.00 50.00 300.00 10.00 60.00 30.00 10.00 40.00 10.00 100.00 100.00 200.00 100.00
10.70% 23-Dec-18 10.70% 23-Dec-18 10.40% 15-Nov-18 10.40% 15-Nov-18 10.40% 15-Nov-18 10.40% 15-Nov-18 10.40% 15-Nov-18 10.40% 15-Nov-18 10.40% 15-Nov-18 10.40% 15-Nov-18 10.40% 15-Nov-18 10.40% 15-Nov-18 10.40% 15-Nov-18 10.40% 15-Nov-18 10.40% 15-Nov-18 10.40% 15-Nov-18 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 7-Aug-18 7-Aug-18 7-Aug-18 7-Aug-18 7-Aug-18 7-Aug-18 7-Aug-18 7-Aug-18 7-Aug-18 7-Aug-18 7-Aug-18 7-Aug-18 7-Aug-18 7-Aug-18 7-Aug-18 7-Aug-18 7-Aug-18 7-Aug-18 7-Aug-18 7-Aug-18 7-Aug-18 7-Aug-18 7-Aug-18 7-Aug-18 7-Aug-18 7-Aug-18
11.10% 23-Apr-18
48
Particulars 7 debentures of Rs. 1,000,000 each 15 debentures of Rs. 1,000,000 each 10 debentures of Rs. 1,000,000 each 8 debentures of Rs. 1,000,000 each 12 debentures of Rs. 1,000,000 each 11 debentures of Rs. 1,000,000 each 18 debentures of Rs. 1,000,000 each 100 debentures of Rs. 1,000,000 each 50 debentures of Rs. 1,000,000 each 20 debentures of Rs. 1,000,000 each 50 debentures of Rs. 1,000,000 each 50 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 50 debentures of Rs. 1,000,000 each 10 debentures of Rs. 1,000,000 each 25 debentures of Rs. 1,000,000 each 4 debentures of Rs. 1,000,000 each
Rate of Int
Maturity Date
As at 31st March, 2012 Secured Unsecured 70.00 150.00 100.00 80.00 120.00 110.00 180.00 1,000.00 500.00 200.00 500.00 500.00 5,000.00 500.00 100.00 250.00 40.00 45,670.00
As at 31st March, 2011 Secured Unsecured 70.00 150.00 100.00 80.00 120.00 110.00 180.00 1,000.00 200.00 500.00 500.00 5,000.00 500.00 100.00 250.00 40.00 32,610.00
11.10% 23-Apr-18 11.10% 23-Apr-18 11.10% 23-Apr-18 11.10% 23-Apr-18 11.10% 23-Apr-18 11.10% 23-Apr-18 11.10% 23-Apr-18 11.10% 23-Apr-18 10.70% 22-Dec-17 9.50% 30-Aug-17 9.50% 30-Aug-17 9.50% 30-Aug-17 9.50% 30-Aug-17 10.85% 23-Apr-13 10.85% 23-Apr-13 10.85% 23-Apr-13 10.85% 23-Apr-13
Note (ii) The long term loans from banks are secured by first pari-passu and non-exclusive charge by way of hypothecation / mortgaga of charged assets such as receivables arising out of loans, lease and hire purchase, book debts and other current assets (other than investments) and / or mortgage on the Companys immovable property of `18.07 lakhs ranking pari passu with charge created in favour of Security Trustee. 6) The details of Term Loans from Banks are as under : Maturity Date As at 31st March, 2012 Secured Unsecured 20,000.00 35,000.00 5,000.00 7,500.00 7,500.00 20,000.00 10,000.00 10,000.00 10,241.79 10,000.00 10,000.00 10,000.00 5,000.00 15,000.00 15,000.00 As at 31st March, 2011 Secured Unsecured 8,977.55 5,000.00 -
Particulars Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment
Rate of Int
Linked to Base Rate 15-Jun-14 Linked to Base Rate 30-Mar-14 Linked to Base Rate 28-Mar-14 Linked to Base Rate 28-Mar-14 Linked to Base Rate 28-Mar-14 Linked to Base Rate 28-Mar-14 Linked to Base Rate 19-Mar-14 Linked to Base Rate 24-Feb-14 10.36% 24-Jan-14 Linked to Base Rate 30-Dec-13 Linked to Base Rate 30-Dec-13 Linked to Base Rate 23-Dec-13 Linked to Base Rate 16-Aug-13 10.75% 21-Jun-13 10.75% 19-Jun-13 Linked to Base Rate 28-Mar-13 10.00% 28-Dec-12
- 10,000.00
49
Particulars Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment
Rate of Int Linked to Base Rate
Maturity Date 6-Dec-12
As at 31st March, 2012 Secured Unsecured 190,241.79
- 10,000.00 - 10,000.00 - 10,000.00 - 10,000.00 7,500.00 - 17,500.00 - 15,000.00 - 12,500.00 - 20,000.00 7,500.00 5,000.00
9.00% 12-Nov-12 9.00% 12-Nov-12 8.75% 28-Sep-12 8.75% 14-Sep-12 8.75% 13-Sep-12 8.50% 24-Aug-12 8.50% 21-Aug-12 9.75% 6-Jul-12 8.90% 29-May-12 8.90% 18-May-12 8.90% 16-May-12
- 12,500.00 - 161,477.55
Note 6 Other long-term liabilities Particulars As at 31 March, 2012 ` in lakhs As at 31 March, 2011 ` in lakhs
(a)
Trade Payables: (i) (ii) Acceptances Other than Acceptances -
(b)
Others: (i) (ii) (iii) (iv) (v) Interest accrued but not due on borrowings Income received in advance (Unearned revenue) Premium received on Index Derivatives Embedded Option Liability Liability on Mark to Market of currency derivatives Total 11.89 170.97 700.13 2,679.73 3,562.72 735.52 801.93 2,680.00 4,007.22 1,516.79 9,741.46
Note 7 Long-term provisions Particulars As at 31 March, 2012 ` in lakhs As at 31 March, 2011 ` in lakhs
Provision for employee benefits: (i) (ii) (iii) Provision for compensated absences (Refer Note 27.2.(ii) Provision for gratuity (Refer Note 27.2.(i)) Provision for standard assets Total 179.92 1,593.48 1,773.40 180.54 261.09 377.26 818.89
50
Note 8 Short-term borrowings Particulars ` in lakhs (a) Deposits Inter Corporate Deposits Unsecured (b) Bonds / debentures (Refer Note (i) below) Non Convertible Debentures Secured (c) Commercial Paper Unsecured Less: Discount not written off 140,810.00 5,570.60 135,239.40 (d) Term loans from Banks (Refer Note (ii) below) Secured Unsecured 148,691.07 148,691.07 Total Note (i) The Debentures are redeemable at par.The Non Convertible Debentures, Index Linked Debentures, Deep Discount Debentures and Debentures issued at Discount are secured by way of a first and pari passu mortgage in favour of the Security Trustee on the Companys immovable property of ` 18.07 lakhs and further secured by way of hypothecation of charged assets such as receivables arising out of loan, lease and hire purchase, book debts and current assets (other than investments). 1) The details of Non Convertible Debentures are as under : Maturity Date As at 31st March, 2012 Secured Unsecured Note (ii) The short term loans from banks are secured by first pari-passu and non-exclusive charge by way of hypothecation / mortgage of charged assets such as receivables arising out of loans, lease and hire purchase, book debts and other current assets (other than investments) and / or mortgage on the Companys immovable property of `18.07 lakhs rankimg pari passu with charge created in favour of Security Trustee. 2) The details of Term Loans from Banks are as under : As at As at Maturity 31st March, 2012 31st March, 2011 Particulars Rate of Int Date Secured Unsecured Secured Unsecured Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment 11.25% 30-Mar-13 Linked to Base Rate 28-Feb-13 20,000.00 10,000.00 As at 31st March, 2011 Secured Unsecured 5,000.00 5,000.00 2,000.00 4,000.00 500.00 3,000.00 350.00 7,500.00 284,280.47 83,500.00 7,521.81 91,021.81 275,843.25 161,750.00 4,678.56 157,071.44 27,350.00 350.00 400.00 As at 31 March, 2012 ` in lakhs As at 31 March, 2011 ` in lakhs
Particulars 500 debentures of ` 1,000,000 each 500 debentures of ` 1,000,000 each 200 debentures of ` 1,000,000 each 400 debentures of ` 1,000,000 each 50 debentures of ` 1,000,000 each 300 debentures of ` 1,000,000 each 35 debentures of ` 1,000,000 each 750 debentures of ` 1,000,000 each
Rate of Int
9.10% 25-Oct-11 8.64% 8.64% 8.35% 8.30% 10.50% 5-Oct-11 1-Oct-11 8-Sep-11 5-Sep-11 12-Jul-11
7.25% 20-Jun-11 9.75% 10-Jun-11
- 27,350.00
51
Particulars Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Overdraft
Rate of Int
Maturity Date
As at 31st March, 2012 Secured Unsecured 10,000.00 5,850.63 7,000.00 7,000.00 7,500.00 10,000.00 5,000.00 4,500.00 2,500.00 22,500.00 5,000.00 10,340.45 3,500.00 3,000.00 10,000.00 5,000.00 148,691.07 -
As at 31st March, 2011 Secured Unsecured 8,000.00 5,000.00 2,500.00 -
Linked to Base Rate 29-Nov-12 10.50% 26-Oct-12 Linked to Base Rate 23-Oct-12 Linked to Base Rate 19-Oct-12 Linked to Base Rate 30-Aug-12 10.75% 28-Jun-12 10.75% 4-May-12 10.00% 20-Apr-12 10.25% 20-Apr-12 Linked to Base Rate Linked to Base Rate 9.28% Linked to Base Rate Linked to Base Rate Linked to Base Rate Linked to Base Rate 8.50% 8.25% 6-Apr-12 4-Apr-12 3-Apr-12 3-Apr-12 3-Apr-12 3-Apr-12 3-Apr-12 8-Nov-11 3-Sep-11
10.25% 29-Feb-12 8.50% 21-Oct-11 8.25% 27-Aug-11 9.50% 10-Aug-11 8.40% 9.15% 11.00% 13.75% 10.50% 15-Jul-11 7-Jul-11 7-Apr-11 7-Apr-11 2-Apr-11 1-Apr-11
- 10,000.00 - 10,000.00 - 10,000.00 5,000.00 - 10,000.00 - 10,000.00 3,500.00 7,500.00 9,500.00 21.81 7,521.81
10.25% 22-Jun-11
- 83,500.00
Note 9 Trade payables Particulars As at 31 March, 2012 ` in lakhs As at 31 March, 2011 ` in lakhs
Trade payables: Acceptances Other than Acceptances Total 26,708.79 26,708.79 23,571.75 23,571.75
52
Note 10 Other current liabilities Particulars ` in lakhs (a) Current maturities of long term debt (i) Bonds / debentures (Refer Note (i) below) Non Convertible Debentures Secured Unsecured 104,090.00 104,090.00 Index Linked Debentures Secured Less:Unamortised Discount 8,445.00 251.78 8,193.22 Deep Discount Debentures Secured Less: Discount not written off 54,800.00 732.84 54,067.16 Debentures issued at discount Secured Less: Discount not written off 7,500.00 7.16 7,492.84 (ii) Term loans from Banks (Refer Note (ii) below) Secured Inter Corporate Deposits Unsecured Hire Purchase/Loan/Lease Deposits Unsecured (b) (c) (d) (e) Interest accrued but not due on borrowings Income received in advance (Unearned revenue) Unpaid matured deposits and interest accrued thereon Other payables (i) (ii) Statutory remittances (Contributions to PF and ESIC, Withholding Taxes, VAT, Service Tax, etc.) Advances received against loan / lease agreements 190.52 686.41 1,169.27 2,680.00 406,489.11 73.54 723.18 938.64 330,420.16 53.05 21,392.18 1,260.69 6.08 30.98 12,784.30 1,976.23 3.81 50.00 205,157.69 93,705.67 61,620.00 1,706.16 59,913.84 4,270.00 180.03 4,089.97 146,680.00 9,500.00 156,180.00 As at 31 March, 2012 ` in lakhs As at 31 March, 2011 ` in lakhs
(iii) Embedded Option Liability (iv) Premium received on Index Derivatives Total Note (i)
The Debentures are redeemable at par.The Non Convertible Debentures, Index Linked Debentures, Deep Discount Debentures and Debentures issued at Discount are secured by way of a first and pari passu mortgage in favour of the Security Trustee on the Companys immovable property of ` 18.07 lakhs and further secured by way of hypothecation of charged assets such as receivables arising out of loan, lease and hire purchase, book debts and current assets (other than investments).
53
1)
The details of Non Convertible Debentures are as under : Maturity Date As at 31st March, 2012 Secured Unsecured 2,000.00 7,500.00 180.00 4,650.00 2,500.00 600.00 2,500.00 5,000.00 220.00 5,000.00 1,000.00 1,000.00 5,000.00 2,500.00 1,500.00 1,000.00 2,500.00 1,500.00 500.00 2,500.00 2,500.00 4,100.00 2,500.00 1,000.00 5,000.00 10,000.00 3,000.00 2,500.00 5,000.00 2,500.00 1,500.00 1,760.00 4,000.00 6,000.00 530.00 2,500.00 550.00 As at 31st March, 2011 Secured Unsecured 500.00 1,000.00 1,000.00 2,500.00 3,500.00 -
Particulars 200 debentures of Rs. 1,000,000 each 750 debentures of Rs. 1,000,000 each 18 debentures of Rs. 1,000,000 each 465 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 60 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 22 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 100 debentures of Rs. 1,000,000 each 100 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 150 debentures of Rs. 1,000,000 each 100 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 150 debentures of Rs. 1,000,000 each 50 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 410 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 100 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 1000 debentures of Rs. 1,000,000 each 300 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 150 debentures of Rs. 1,000,000 each 176 debentures of Rs. 1,000,000 each 400 debentures of Rs. 1,000,000 each 600 debentures of Rs. 1,000,000 each 53 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 55 debentures of Rs. 1,000,000 each 50 debentures of Rs. 1,000,000 each 100 debentures of Rs. 1,000,000 each 100 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 350 debentures of Rs. 1,000,000 each
Rate of Int
10.30% 29-Mar-13 10.38% 13-Mar-13 10.58% 10.50% 6-Mar-13 8-Feb-13 11.03% 15-Feb-13 10.25% 30-Jan-13 8.50% 11-Jan-13 8.30% 11-Jan-13 10.05% 10-Jan-13 9.55% 30-Nov-12 10.74% 23-Nov-12 9.35% 19-Nov-12 7.88% 15-Nov-12 8.50% 22-Oct-12 9.21% 18-Oct-12 9.21% 18-Oct-12 10.70% 16-Oct-12 8.65% 25-Sep-12 8.85% 20-Sep-12 9.00% 30-Aug-12 8.50% 10.70% 10.61% 30-Jul-12 2-Jul-12 2-Jul-12
10.00% 26-Jun-12 8.25% 22-Jun-12 8.25% 18-Jun-12 10.67% 14-Jun-12 8.14% 7.60% 9.25% 5-Jun-12 7-May-12 3-May-12 8.25% 29-May-12
10.60% 24-Apr-12 9.46% 23-Apr-12 10.38% 23-Apr-12 10.25% 19-Apr-12 10.25% 10.25% 9.60% 8.25% 4-Apr-12 3-Apr-12 7-Mar-12 6-Mar-12
7.75% 12-Mar-12
8.25% 27-Feb-12 8.25% 24-Feb-12
54
Particulars 600 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 100 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 300 debentures of Rs. 1,000,000 each 600 debentures of Rs. 1,000,000 each 13 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 100 debentures of Rs. 1,000,000 each 100 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 150 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 40 debentures of Rs. 1,000,000 each 200 debentures of Rs. 1,000,000 each 750 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 300 debentures of Rs. 1,000,000 each 100 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 500 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 100 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 50 debentures of Rs. 1,000,000 each 600 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 50 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 100 debentures of Rs. 1,000,000 each 50 debentures of Rs. 1,000,000 each 750 debentures of Rs. 1,000,000 each
Rate of Int
Maturity Date
As at 31st March, 2011 Secured Unsecured 6,000.00 2,500.00 1,000.00 5,000.00 5,000.00 2,500.00 2,500.00 2,500.00 2,500.00 3,000.00 6,000.00 130.00 2,500.00 5,000.00 1,000.00 1,000.00 2,500.00 2,500.00 5,000.00 400.00 2,000.00 7,500.00 1,000.00 5,000.00 2,500.00 2,500.00 1,000.00 2,500.00 500.00 6,000.00 2,500.00 2,500.00 500.00 2,500.00 2,500.00 2,500.00 1,000.00 500.00 7,500.00 1,500.00 2,500.00 3,000.00 2,500.00 -
9.10% 31-Jan-12 7.75% 30-Jan-12 7.75% 16-Jan-12 10.15% 19-Dec-11 7.70% 7.25% 9-Dec-11 7-Dec-11
9.36% 29-Nov-11 9.36% 29-Nov-11 8.00% 23-Nov-11 8.15% 23-Nov-11 8.15% 18-Nov-11 9.10% 9.10% 9.10% 9.10% 8-Nov-11 4-Nov-11 1-Nov-11 1-Nov-11
8.00% 28-Oct-11 7.80% 21-Oct-11 12.50% 17-Oct-11 8.30% 7.41% 4-Oct-11 3-Oct-11
8.25% 28-Sep-11 8.30% 12-Sep-11 8.55% 12.50% 5-Sep-11 1-Sep-11
12.50% 30-Aug-11 7.65% 30-Aug-11 12.50% 29-Aug-11 7.75% 29-Aug-11 7.60% 22-Aug-11 7.60% 10-Aug-11 7.60% 8.10% 7.40% 4-Aug-11 3-Aug-11 25-Jul-11
8.90% 24-Jun-11 7.00% 17-Jun-11 7.25% 16-Jun-11 7.45% 10-Jun-11 7.00% 25-May-11 8.25% 24-May-11 7.15% 23-May-11 7.00% 20-May-11 7.45% 20-May-11 8.25% 17-May-11
55
Particulars 250 debentures of Rs. 1,000,000 each 465 debentures of Rs. 1,000,000 each 150 debentures of Rs. 1,000,000 each 200 debentures of Rs. 1,000,000 each 50 debentures of Rs. 1,000,000 each 150 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 250 debentures of Rs. 1,000,000 each 600 debentures of Rs. 1,000,000 each 150 debentures of Rs. 1,000,000 each 50 debentures of Rs. 1,000,000 each 150 debentures of Rs. 1,000,000 each
Rate of Int
Maturity Date
As at 31st March, 2011 Secured Unsecured 2,500.00 4,650.00 1,500.00 2,000.00 500.00 1,500.00 2,500.00 2,500.00 6,000.00 1,500.00 500.00 1,500.00 9,500.00
7.60% 13-May-11 7.89% 10-May-11 7.35% 9-May-11 6.80% 25-Apr-11 7.68% 22-Apr-11 7.25% 21-Apr-11 8.25% 18-Apr-11 8.40% 11-Apr-11 8.13% 8.13% 7.44% 7.50% 5-Apr-11 5-Apr-11 5-Apr-11 4-Apr-11
- 146,680.00
2)
The details of Index Linked Debentures are as under : Maturity Date As at 31st March, 2012 Secured Unsecured 468.65 468.65 37.49 18.75 290.56 9.37 9.37 23.43 28.62 19.08 477.06 768.99 28.92 9.64 14.46 4.82 19.28 9.64 19.28 4.82 14.46 24.10 4.82 96.39 19.28 9.64 As at 31st March, 2011 Secured Unsecured -
Particulars 100 debentures of Rs. 500,000 each 100 debentures of Rs. 500,000 each 8 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 62 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 100 debentures of Rs. 500,000 each 160 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 20 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each
Rate of Int
Linked to NSE Nifty 15-Mar-13 Linked to NSE Nifty 15-Mar-13 Linked to NSE Nifty 15-Mar-13 Linked to NSE Nifty 15-Mar-13 Linked to NSE Nifty 15-Mar-13 Linked to NSE Nifty 15-Mar-13 Linked to NSE Nifty 15-Mar-13 Linked to NSE Nifty 15-Mar-13 Linked to NSE Nifty 27-Feb-13 Linked to NSE Nifty 27-Feb-13 Linked to NSE Nifty 27-Feb-13 Linked to NSE Nifty 27-Feb-13 Linked to NSE Nifty 23-Jan-13 Linked to NSE Nifty 23-Jan-13 Linked to NSE Nifty 23-Jan-13 Linked to NSE Nifty 23-Jan-13 Linked to NSE Nifty 23-Jan-13 Linked to NSE Nifty 23-Jan-13 Linked to NSE Nifty 23-Jan-13 Linked to NSE Nifty 23-Jan-13 Linked to NSE Nifty 23-Jan-13 Linked to NSE Nifty 23-Jan-13 Linked to NSE Nifty 23-Jan-13 Linked to NSE Nifty 23-Jan-13 Linked to NSE Nifty 23-Jan-13 Linked to NSE Nifty 23-Jan-13
56
Particulars 1 debenture of Rs. 500,000 each 20 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each
Rate of Int
Maturity Date
Linked to NSE Nifty 23-Jan-13 Linked to NSE Nifty 23-Jan-13 Linked to NSE Nifty 23-Jan-13 Linked to NSE Nifty 23-Jan-13 Linked to NSE Nifty 23-Jan-13 Linked to NSE Nifty 23-Jan-13 Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12
57
Particulars 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 10 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each
Rate of Int Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty
Maturity Date 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12 7-Dec-12
Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12
58
Particulars 8 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 8 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 8 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each
Rate of Int
Maturity Date
Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 30-Nov-12 Linked to NSE Nifty 28-Sep-12 Linked to NSE Nifty 28-Sep-12 Linked to NSE Nifty 28-Sep-12 Linked to NSE Nifty 28-Sep-12 Linked to NSE Nifty 28-Sep-12 Linked to NSE Nifty 28-Sep-12 Linked to NSE Nifty 28-Sep-12 Linked to NSE Nifty 28-Sep-12 Linked to NSE Nifty 28-Sep-12 Linked to NSE Nifty 28-Sep-12 Linked to NSE Nifty 28-Sep-12 Linked to NSE Nifty 28-Sep-12 Linked to NSE Nifty 28-Sep-12
59
Particulars 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 52 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 12 debentures of Rs. 500,000 each 50 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 50 debentures of Rs. 500,000 each 47 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 18 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 20 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each
Maturity Rate of Int Date Linked to NSE Nifty 28-Sep-12 Linked to NSE Nifty 28-Sep-12 Linked to NSE Nifty 28-Sep-12 Linked to NSE Nifty 28-Sep-12 Linked to NSE Nifty 28-Sep-12 Linked to NSE Nifty 28-Sep-12 Linked to NSE Nifty 28-Sep-12 Linked to NSE Nifty 28-Sep-12 Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty Linked to NSE Nifty 30-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12 23-Jul-12
Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12
60
Particulars 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 24 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each
Rate of Int
Maturity Date
Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12
61
Particulars 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 5 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 20 debentures of Rs. 500,000 each 8 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 20 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 20 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 94 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each
Rate of Int
Maturity Date
Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12
62
Particulars 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 5 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 40 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 5 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 10 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each
Rate of Int
Maturity Date
As at 31st March, 2012 Secured Unsecured 4.98 9.97 9.97 4.98 4.98 4.98 4.98 4.98 -
As at 31st March, 2011 Secured Unsecured 23.96 28.75 19.16 19.16 9.58 19.16 9.58 4.79 9.58 47.91 47.91 4.79 191.64 9.58 47.91 9.58 4.79 4.79 4.79 4.79 4.79 19.16 4.79 4.79 4.79 23.96 4.79 9.58 4.79 47.91 19.16 19.16 19.16 19.16 47.91 -
Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 23-Apr-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12
63
Particulars 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 5 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 5 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 5 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 5 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 23 debentures of Rs. 500,000 each 8 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 10 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 6 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 10 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each
Rate of Int
Maturity Date
Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12
64
Particulars 1 debenture of Rs. 500,000 each 6 debentures of Rs. 500,000 each 23 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 23 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 40 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 6 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 30 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 5 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 20 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each
Rate of Int
Maturity Date
Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 29-Feb-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12
65
Particulars 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 5 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 6 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 20 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each
Rate of Int
Maturity Date
As at 31st March, 2011 Secured Unsecured 4.79 4.79 4.79 4.79 4.79 23.93 4.79 9.57 14.36 4.79 4.79 9.57 19.15 4.79 4.79 9.57 9.57 9.57 9.57 4.79 19.15 9.57 47.87 9.57 9.57 19.15 4.79 4.79 4.79 28.72 4.79 4.79 4.79 4.79 9.57 9.57 9.57 14.36 4.79 4.79 95.74 9.57 4.79 4.79 -
Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12
66
Particulars 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 6 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 10 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 4 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 8 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each
Rate of Int
Maturity Date
As at 31st March, 2011 Secured Unsecured 4.79 4.79 4.79 4.79 4.79 4.79 28.72 4.79 4.79 9.57 9.57 4.79 47.87 4.79 4.79 14.36 4.79 4.79 4.79 19.15 19.15 19.15 19.15 9.57 4.79 9.57 14.36 4.79 4.79 19.15 4.79 9.57 4.79 4.79 38.29 4.79 4.79 4.79 9.57 4.79 4.79 4.79 4.79 4.79 -
Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12
67
Particulars 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 6 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 20 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 10 debentures of Rs. 500,000 each 20 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 4 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 20 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each 3 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 2 debentures of Rs. 500,000 each 1 debenture of Rs. 500,000 each 1 debenture of Rs. 500,000 each
Rate of Int
Maturity Date
As at 31st March, 2011 Secured Unsecured 9.57 9.57 4.79 4.79 4.79 4.79 4.79 28.72 4.79 4.79 95.74 4.79 9.57 47.87 95.74 4.79 4.79 4.79 4.79 4.79 4.79 4.79 4.79 19.15 4.79 4.79 95.74 4.79 9.57 4.79 9.57 9.57 4.79 4.79 14.36 4.79 4.79 4.79 14.36 9.57 9.57 4.79 4.79 4,089.97 -
Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12 Linked to NSE Nifty 23-Jan-12
68
3)
The details of Deep Discount Debentures are as under : Maturity Date As at 31st March, 2012 Secured Unsecured 913.03 577.06 4,839.55 1,073.50 2,951.82 3,461.25 7,419.43 3,953.70 4,954.13 1,981.80 892.69 10,023.21 7,446.46 3,579.53 54,067.16 As at 31st March, 2011 Secured Unsecured 4,680.49 4,578.30 2,774.49 207.39 2,423.17 1,454.11 3,421.17 1,970.34 4,930.56 4,958.14 2,685.00 2,684.50 5,970.07 5,483.97 -
Particulars 100 debentures of Rs. 1,000,000 each issued at Rs. 86,880,300 60 debentures of Rs. 1,000,000 each issued at Rs. 50,593,020
Rate of Int
10.09% 19-Mar-13 8.85% 27-Sep-12 9.00% 27-Aug-12 10.00% 9-Jul-12 8.40% 20-Jun-12 8.00% 28-May-12 8.18% 25-May-12 9.38% 21-May-12 10.38% 7-May-12 10.30% 7-May-12 10.35% 3-May-12 9.90% 30-Apr-12 10.50% 23-Apr-12 7.88% 24-Feb-12 10.40% 22-Feb-12 9.24% 21-Feb-12 8.05% 12-Jan-12 7.40% 15-Sep-11 7.60% 7.55% 8-Sep-11 28-Jul-11
500 debentures of Rs. 1,000,000 each issued at Rs. 420,641,500 110 debentures of Rs. 1,000,000 each issued at Rs. 95,383,640 300 debentures of Rs. 1,000,000 each issued at Rs. 246,819,300 350 debentures of Rs. 1,000,000 each issued at Rs. 296,296,350 750 debentures of Rs. 1,000,000 each issued at Rs. 635,120,250 400 debentures of Rs. 1,000,000 each issued at Rs. 349,719,600 500 debentures of Rs. 1,000,000 each issued at Rs. 442,921,000 200 debentures of Rs. 1,000,000 each issued at Rs. 176,993,200 90 debentures of Rs. 1,000,000 each issued at Rs. 79,580,430 750 debentures of Rs. 1,000,000 each issued at Rs. 678,918,000 360 debentures of Rs. 1,000,000 each issued at Rs. 320,927,040 500 debentures of Rs. 1,000,000 each issued at Rs. 433,961,000 500 debentures of Rs. 1,000,000 each issued at Rs. 452,285,000 300 debentures of Rs. 1,000,000 each issued at Rs. 268,455,600 22 debentures of Rs. 1,000,000 each issued at Rs. 19,618,984 250 debentures of Rs. 1,000,000 each issued at Rs. 219,683,750 150 debentures of Rs. 1,000,000 each issued at Rs. 134,311,800 350 debentures of Rs. 1,000,000 each issued at Rs. 316,330,350 200 debentures of Rs. 1,000,000 each issued at Rs. 179,485,000 500 debentures of Rs. 1,000,000 each issued at Rs. 448,767,500 500 debentures of Rs. 1,000,000 each issued at Rs. 452,089,500 270 debentures of Rs. 1,000,000 each issued at Rs. 251,422,110 270 debentures of Rs. 1,000,000 each issued at Rs. 250,803,810 600 debentures of Rs. 1,000,000 each issued at Rs. 524,552,400 550 debentures of Rs. 1,000,000 each issued at Rs. 481,891,850
1010 debentures of Rs. 1,000,000 each issued at Rs. 898,786,880 10.67% 30-Apr-12
1200 debentures of Rs. 1,000,000 each issued at Rs. 1,016,499,600 8.40% 5-Aug-11 7.00% 24-Jun-11 7.45% 14-Jun-11 7.36% 16-May-11 7.00% 2-May-11 7.25% 2-May-11 8.40% 25-Apr-11 8.40% 15-Apr-11
- 11,692.13
- 59,913.84
4)
The details of Debentures issued at Discount are as under : Maturity Date 17-Jul-12 As at 31st March, 2012 Secured Unsecured 7,492.84 7,492.84 As at 31st March, 2011 Secured Unsecured -
Particulars
Rate of Int 8.00%
750 debentures of Rs. 1,000,000 each issued at Rs. 743,883,750
Note (ii) The short term loans from banks are secured by first Paripassu & non exclusive charge by way of hypothecation / mortgage of charged assets such as receivables arising out of loans, lease and hire purchase, book debts and other current assets (other than investments) and / or mortgage on the Companys immovable property of `18.07 lakhs rankimg pari passu with charge created in favour of Security Trustee.
69
5)
The details of Term Loans from Banks are as under : Maturity Date 8-Feb-13 6-Dec-12 As at 31st March, 2012 Secured Unsecured 5,000.00 22,657.69 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 7,500.00 17,500.00 15,000.00 12,500.00 20,000.00 10,000.00 7,500.00 5,000.00 12,500.00 205,157.69 - 20,000.00 5,000.00 9,627.59 5,000.00 5,000.00 7,500.00 7,500.00 5,000.00 As at 31st March, 2011 Secured Unsecured
Particulars Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Term Loan - Repayable in a single instalment Note 11 Short-term provisions Particulars
Rate of Int 9.83% Linked to Base Rate
Linked to Base Rate 28-Mar-13 10.00% 28-Dec-12 9.00% 12-Nov-12 9.00% 12-Nov-12 Linked to Base Rate 25-Oct-12 Linked to Base Rate 22-Oct-12 8.75% 28-Sep-12 8.75% 14-Sep-12 8.75% 13-Sep-12 8.50% 24-Aug-12 8.50% 21-Aug-12 9.75% 10.50% 6-Jul-12 1-Jun-12
8.90% 29-May-12 8.90% 18-May-12 8.90% 16-May-12 8.25% 9-Mar-12 7.90% 22-Feb-12 8.00% 17-Feb-12 7.90% 27-Jan-12 7.90% 20-Jan-12 8.25% 20-Dec-11 8.25% 16-Dec-11 8.25% 18-Nov-11 8.22% 5-Oct-11 8.50% 28-Jun-11
- 19,078.07 - 10,000.00 - 93,705.67
As at 31 March, 2012 ` in lakhs 32.09 32.09
As at 31 March, 2011 ` in lakhs 31.59 42.23 73.82
(a)
Provision for employee benefits: (i) (ii) Provision for compensated absences (Refer Note 27.2.(ii)) Provision for gratuity (Refer Note 27.2.(i))
(b)
Provision - Others: (i) (ii) (iii) (iv) Provision for tax (net of advance tax ` 289.90 lakhs (As at 31 March, 2011 ` 32,261.07 lakhs) Provision for standard assets Provision for proposed preference dividend (Refer Note 26.5) Provision for tax on proposed preference dividend Total 436.83 1,906.92 10.00 1.62 2,355.37 2,387.46 2,057.98 2,465.16 0.08 0.01 4,523.23 4,597.05
70
Note 12 Fixed Assets Gross Block Additions Disposals Balance As at 31st March, 2012 Balance As at 1 April 2011 Depreciation/ amortisation expenses for Eliminated on disposal of assets Balance As at 31 March 2012 Balance As at 31 March 2012 Balance As at 31 March 2011 Accumulated Depreciation Net Block
` in lakhs
A.
Tangible Assets
Balance As at 1 April 2011
(a) Buildings 94.30 5.49 68.77 25.84 28.23 222.63 131.19 Gross Block Additions Disposals Borrowing Cost Capitalised Other adjustment Balance As at 31 March, 2012 39.30 39.30 39.30 33.77 33.77 20.67 Balance As at 1 April, 2011 Depreciation/ amortisation expenses for the year 4.71 4.71 13.10 56.88 3,516.24 623.43 171.39 49.82 118.71 3,620.16 744.99 183.28 103.17 195.74 117.28 23.31 140.59 825.10 745.00 7.33 198.86 143.36 21.11 7.20 157.27 52.11 178.76 71.06 38.09 36.94 72.21 2.00 53.62 43.81 5.10 1.88 47.03 6.59 106.54 41.60 55.15 2,795.06 2,771.25 Net Block Eliminated on disposal of assets Balance As at 31 March 2012 38.48 38.48 33.77 Balance As at 31 March 2012 0.83 0.83 5.53 Balance As at 31 March 2011 5.53 5.53 57.27 390.55 282.30 50.92 57.15 276.07 114.47 2,584.56 81.48 44.45 125.93 2,458.63 18.07 5.70 0.30 6.00 12.08 12.38 2,503.07 71.22 6.32 91.04 36.99 50.23 2,771.25
Own use
18.07
Given under operating lease
2,584.56
(b) Computers
353.52
(c) Furniture and Fixtures
50.13
(d) Vehicles
162.10
(e) Office equipment
180.35
(f) Leasehold improvements
167.51
Total
3,516.24
Previous year
3,441.93
Notes forming part of the Financial Statements (Contd.)
B.
Intangible Assets
Accumulated Depreciation
Balance As at 1 April 2011
(c)
Computer Software
39.30
Total
39.30
Previous Year
39.30
C.
Depreciation and amortisation relating to continuing operations: For the year ended 31 March, 2012 183.28 4.71 187.99 Gross carrying amount 31 March, 2012 2,584.57 31 March, 2011 2,584.57 Accumulated depreciation 31 March, 2012 125.93 31 March, 2011 81.48 For the year ended 31 March, 2011 171.39 13.10 184.49 Accumulated impairment losses 31 March, 2012 31 March, 2011 -
REPORTS
Particulars
Depreciation and amortisation for the year on tangible assets as per Note 12 A
Depreciation and amortisation for the year on intangible assets as per Note 12 B
Depreciation and amortisation
(i)
Details of assets given on Operating lease
ACCOUNTING POLICIES & NOTES
Particulars
Building
71
72
Face Value As at 31 March, 2011 Quantity Quoted ` in lakhs ` in lakhs ` in lakhs Unquoted Total ` Quantity ` in lakhs ` in lakhs ` in lakhs Quoted Unquoted Total ` As at 31 March, 2012 Face Value
Note 13: Non-current investments
Particulars
Investments (At cost unless otherwise stated):
Investments (other than trade)
(a) Investment in equity instruments fully paid up
Joint Venture: 10 54,000,000 10 54,000,000 5,400.00 5,400.00 5,400.00 5,400.00
Note 13 Non-current investments

10 10 11,022,747 10 18,734,838 1,217.63 1,217.63 19,950,000 10 31,500,000 1,995.10 1,995.10 3,150.17 2,069.04 3,150.17 2,069.04 10 9,362.73 9,362.73 7,500,000 10 750.00 750.00 7,500,000 750.00 11,369.21 750.00 11,369.21 10 500,000 50.00 50.00 10 500,000 50.00 50.00 100,000 (84.19) 636.15 50.00 9,362.73 10,048.88 50.00 50.35 10,083.07 50.00 11,369.21 720 720.34 100,000 870 870.42 870.42 12,289.63 50.00 50.28 12,239.63
(i)
Kotak Mahindra Old Mutual Life Insurance Limited
Others:
(i)
Phoenix ARC Private Limited associate till 8-4-2011
(ii) ACE Derivatives and Commodity Exchange Limited (11,022,747 shares under lock in till 12 Aug 2013)
(iii) Equifax Credit Information Services Private Limited
(b) Investment in mutual funds
(i)
HDFC Debt Fund for Cancer Cure
(c) Investment in units of Venture Capital Fund
(i)
Kotak India Real Estate Fund - I
Less: Provision for diminution
Total
Aggregate amount of quoted investments
Aggregate market value of listed and quoted investments
Aggregate amount of unquoted investments
Note 14 Long-term loans and advances Particulars As at 31 March, 2012 ` in lakhs As at 31 March, 2011 ` in lakhs
(a) Security deposits Secured, considered good Unsecured, considered good Doubtful (b) Advance income tax (net of provisions ` 33,796.79 lakhs (As at 31 March, 2011 `12,339.82 lakhs) - Unsecured, considered good (c) Other loans and advances under financing activity Secured, considered good Unsecured, considered good Secured, considered doubtful Unsecured, considered doubtful Less: Provision for other doubtful loans and advances Total Note (i) Secured, considered good Vehicle Finance Includes Lease and Hire Purchase ` 11,091.66 lakhs (Previous year ` 7,193.89 lakhs) (Refer Note 27.9) Corporate Loans Personal Loans Unsecured, considered good Vehicle Finance Personal Loans 70.40 20,135.50 20,205.90 16,957.74 16,957.74 57,338.37 336.76 575,113.40 72,622.95 489,530.79 517,438.27 416,907.84 (Refer Note (i) below) 575,113.40 20,205.90 346.03 595,665.33 346.03 595,319.30 595,497.13 489,530.79 16,957.74 247.20 29.51 506,765.24 276.71 506,488.53 507,779.35 94.48 94.48 83.35 85.55 85.55 1,205.27
Secured means exposures secured by hypothecation of vehicles, and/ or, pledge of securities and/or, equitable mortgage of property and/ or undertaking to create a security. Note 15 Other non-current assets Particulars As at 31 March, 2012 ` in lakhs As at 31 March, 2011 ` in lakhs
(a) Unamortised expenses (i) (i) (ii) (iii) Ancillary lending expense Fixed Deposits with banks (as security with Sales Tax Department) Premium paid on Index Derivatives Mark to market balance of currency derivatives Total 6,707.58 8.79 726.00 3,680.54 11,122.91 7,907.94 5,379.16 8.79 2,519.99 (b) Others
73
74
Note 16 Current investments
Face Value ` Quantity Quoted ` in lakhs Quantity As at 31 March, 2011 Quoted Unquoted Total ` in lakhs ` in lakhs ` in lakhs As at 31 March, 2012 Unquoted Total ` in lakhs ` in lakhs Face Value ` 10 1 2 10 2 1 2 10 5 10 1 14,977 175,000 59,243 25,000 5,000 50,000 38,121 600,000 49,708 6,000 60,000 108.91 240.38 81.71 220.60 141.29 91.64 140.49 153.81 104.48 178.80 220.46 1,682.57 (25.74) 1,656.83 (25.74) 1,656.83 108.91 240.38 81.71 220.60 141.29 91.64 140.49 153.81 104.48 178.80 220.46 1,682.57 10,000,000 10,000,000 10,000,000 10,000,000 20 65 25 75 7,237.50 2,000.00 6,500.00 2,500.00 2,000.00 6,500.00 2,500.00 7,237.50 10,000,000 7,500,000 7,000,000 10,000,000 10,000,000 10,000,000 10,000,000 10,000,000 5,000,000 10,000,000 10,000,000 5,000,000 1,000,000 10,000,000 1,000,000 50 241 50 20 35 85 111 25 80 75 100 25 50 50 242 5,000.00 12,237.50 2,231.48 13,231.48 5,000.00 2,450.00 11,100.00 7,237.50 5,000 2,500 33,287.50 1,500.00 8,500 2,500.00 8,000.00 5,000 2,500 2,240.74 30,240.74 5,000.00 2,231.48 25,468.98 25,468.98 12,237.50 12,237.50 13,231.48 5,000.00 1,500.00 2,450.00 8,500.00 11,100.00 2,500.00 8,000.00 7,237.50 5,000.00 2,500.00 5,000.00 2,500.00 2,240.74 63,528.24 65,185.07 34,944.33 1,672.89 33,287.50 30,240.74
Note 16: Current investments Particulars
Investments (at lower of cost and fair value) (a)Investment in equity instruments fully paid up Divis Laboratories Limited Hindalco Industries Limited HSIL Limited ICICI Bank Limited Infosys Limited IRB Infrastructure Developers Limited Lovable Lingerie Limited The South Indian Bank Limited Tree House Education and Accessories Limited TTK Prestige Limited YES Bank Limited
Less: Provision for diminution in value of investment in equity instruments
(b) Investment in debentures / bonds fully paid up (Refer Note (i) below) Arun Excello Homes Private Limited Century Real Estate Holdings Private Limited Lodha Dwellers Private Limited Lodha Dwellers Private Limited Lodha Pranik Landmark Developers Pvt Ltd New Era Dwellers & Construction Pvt Ltd Prince Foundations Limited Puravankara Projects Limited Puravankara Projects Limited Rajesh Estates & Nirman Private Limited (*) Rohan Builders & Developers Private Limited Rohan Builders & Developers Private Limited Universal Buildwell Private Limited
Total Aggregate amount of quoted investments Aggregate market value of listed and quoted investments Aggregate value of listed but not quoted investments Aggregate amount of unquoted investments (*) Pending receipt of Debenture Certificate / Demat Credit Note (i): Includes instalments due after twelve months as the investments are expected to be realised in the subsequent year.
Note 17 Trade receivables Particulars As at 31 March, 2012 ` in lakhs As at 31 March, 2011 ` in lakhs
Trade receivables outstanding for a period exceeding six months from the date they were due for payment Secured, considered good Unsecured, considered good Doubtful Less: Provision for doubtful trade receivables Other Trade receivables Secured, considered good Unsecured, considered good Doubtful Less: Provision for doubtful trade receivables Total Note 18 Cash and bank balances Cash and cash equivalent (a) (b) (c) Cash on hand Cheques, drafts on hand Balances with banks In current accounts (d) Other bank balances (Refer Note (i) below) (i) (ii) Deposit with residual maturity of less than 12 months (being credit collaterals) Deposit with residual maturity of more than 12 months (other than under lien, margin money or any other restricted deposits) 1,043.04 1,043.04 Total Note (i) Balances with banks include deposits amounting to ` 1043.04 lakhs (As at 31 March, 2011 ` Nil) and credit collateral amounting to ` Nil (As at 31 March, 2011 ` 807.37 lakhs) which have an original maturity of more than 12 months. 80,433.47 807.37 807.37 14,168.34 78,625.64 79,390.43 12,578.16 13,360.97 204.70 560.09 158.92 623.89 258.19 258.19 258.19 258.19 199.83 199.83 199.83 202.26 3.40 3.40 3.40 2.43 13.16 15.59 13.16 2.43
75
Note 19 Short-term loans and advances Particulars As at 31 March, 2012 ` in lakhs As at 31 March, 2011 ` in lakhs
(a)
Loans and advances to employees Secured, considered good Unsecured, considered good Doubtful Less: Provision for doubtful loans and advances 39.18 39.18 39.18 90.64 71.69 71.69 71.69 64.11
(b) (c)
Prepaid expenses - Unsecured, considered good Balances with government authorities Unsecured, considered good (i) (ii) VAT credit receivable Service Tax credit receivable
1,261.84 30.55
912.12 68.88
(d)
Other loans and advances under financing activity (Refer Note (i) below) Secured, considered good Unsecured, considered good Secured, considered doubtful Unsecured, considered doubtful Less: Provision for other doubtful loans and advances Total 697,090.37 46,168.70 2,017.70 827.28 746,104.05 2,844.98 743,259.07 744,681.28 578,228.99 29,781.24 2,021.95 4,009.12 614,041.30 6,031.07 608,010.23 609,127.03
Note (i) Secured, considered good Vehicle Finance Includes Lease and Hire Purchase ` 3,797.66 lakhs (Previous year ` 2,182.86 lakhs) (Refer Note 27.9) Corporate Loans Personal Loans Unsecured, considered good Vehicle Finance Corporate Loans Personal Loans 5,702.28 10,820.26 29,646.16 46,168.70 7,070.81 150.75 22,559.68 29,781.24 212,207.45 168.38 697,090.37 192,622.97 578,228.99 484,714.54 385,606.02
Secured means exposures secured by hypothecation of vehicles, and/ or, pledge of securities and/or, equitable mortgage of property and/ or undertaking to create a security.
76
Note 20 Other current assets Particulars As at 31 March, 2012 ` in lakhs As at 31 March, 2011 ` in lakhs
(a)
Accruals (i) (ii) (iii) Interest accrued on deposits Interest accrued on investments Interest accrued but not due on loans and advances Gratuity Deposits Premium paid on Index derivatives Mark to market balance of currency derivatives Others Total 1,423.95 7,650.97 11.62 2,793.77 3,266.06 158.69 271.40 15,576.46 126.74 8,218.00 0.95 525.65 6,051.37 1,414.39 98.90
(b)
Others (i) (ii) (iii) (iv) (v)
Note 21 Revenue from operations Particulars For the year ended For the year ended 31 March, 2012 31 March, 2011 ` in lakhs ` in lakhs 152,059.53 14,623.00 117,514.68 14,934.45
(a) (b) (c)
Interest (Refer Note (i) below) Other Financial Services (Refer Note (ii) below) Other Operating Revenues (i) (ii) Reversal of provision for doubtful trade and other receivables, loans and advances (net of provision ` 1,563.40 lakhs; Previous year ` 2,050.31 lakhs) Write offs recovered Total Note (i) Interest Vehicle Finance Corporate Loans Personal Loans
3,126.52 538.46 170,347.51
467.09 369.71 133,285.93
105,177.79 38,227.69 8,654.05 152,059.53
75,372.84 35,335.41 6,806.43 117,514.68
Note (ii) Other Financial Services Vehicle Finance Corporate Loans Income from securitisation Income from assignment Income on recovery of acquired stress assets Personal Loans Lease Rentals Less: Capital Recovery 21.83 1,134.13 4,353.40 2,854.42 1,498.98 Fee based Income Trading in Securities 1,825.07 46.64 14,623.00 7,441.55 1,191.73 1,463.07 7,008.03 3,599.84 1,177.13 155.80 43.50 941.35 2,108.08 1,423.06 685.02 1,314.57 9.21 14,934.45
77
Note 22 Other income Particulars For the year ended 31 March, 2012 ` in lakhs 8,247.19 For the year ended 31 March, 2011 ` in lakhs 1,139.62
(a) (b)
Interest income (Refer Note (i) below) Dividend income: from current investments Shares and Units from long-term investments Units
3.84
6.89
1,022.84
(c)
Net gain on sale of: current investments long-term investments 1,581.13 706.65 (1,351.58) 969.43 10,163.55 Particulars For the year ended 31 March, 2012 ` in lakhs 722.12 (0.36) 324.23 818.50 4,026.95 For the year ended 31 March, 2011 ` in lakhs
(d) (e)
Net (loss) / gain on sale of Index Derivatives Other non-operating income (net of expenses directly attributable to such income) (Refer Note (ii) below) Total
Note
(i)
Interest income comprises: Interest from banks on: deposits other balances Interest on staff loans Interest income from current investments Interest on income tax refund Total - Interest income 260.05 67.28 5.96 7,904.43 9.47 8,247.19 67.76 162.39 5.90 903.57 1,139.62
(ii)
Other non-operating income comprises: Rental income from operating leases (Refer Note 27.5.a) Profit on sale of fixed assets (net) Sundry Credit balances written back Miscellaneous income Total - Other non-operating income 404.23 9.35 511.65 44.20 969.43 431.12 7.12 368.43 11.83 818.50
Note 23 Employee benefits expense Particulars For the year ended 31 March, 2012 ` in lakhs 4,076.26 189.93 60.24 38.58 148.71 4,513.72 For the year ended 31 March, 2011 ` in lakhs 3,840.22 167.03 150.18 37.15 136.22 4,330.80
Salaries, Allowances and Bonus Contributions to provident fund (Refer Note 27.1) Provision for Gratuity (Refer Note 27.2.1) Reimbursement of ESOP cost (Refer Note 28) Staff welfare expenses Total
78
Note 24 Finance costs Particulars As at 31 March, 2012 ` in lakhs 100,148.76 103.35 100,252.11 As at 31 March, 2011 ` in lakhs 67,134.89 121.34 67,256.23
(a) (b)
Interest expense on Borrowimgs (Refer Note (i) below) Other borrowing costs Total Note (i) Interest expense on borrowings Debentures Term borrowings Inter-Corporate deposits Commercial Paper Others
46,210.40 34,768.28 590.01 18,499.47 80.60 100,148.76
32,693.76 20,002.40 112.76 13,859.74 466.23 67,134.89
Note 25 Other expenses Power and fuel Rent including lease rentals (Refer Note 27.5.b) Repairs and maintenance - Others Insurance Rates and taxes Communication Travelling and conveyance Printing and stationery Data Processing Brokerage and commission Office expenses Common Establishment expenses - Reimbursements Advertisement Business promotion Donations and contributions Legal and professional Payments to auditors (Refer Note (i) below) Bad trade and other receivables, loans and advances written off (net) (Net gain on sale of lease assets ` 24.60 lakhs, Previous year ` 8.69 lakhs) Adjustments to the carrying amount of investments - reduction in the carrying amount of current investments long-term investments Provision for standard assets Provision for Mark to Market on derivatives (net) Miscellaneous expenses Total Note (i) Payments to the auditors comprises (net of service tax input credit, where applicable): As auditors - statutory audit For other services (Interim Audit, Certification Work, etc) Reimbursement of expenses Total 40.00 28.82 0.77 69.59 34.00 24.80 0.07 58.87 116.02 562.22 230.56 8.92 583.54 295.05 352.01 243.92 60.00 6,475.48 164.14 499.61 141.38 319.54 1.39 3,514.04 69.59 3,909.39 122.19 568.63 222.06 8.19 270.66 295.12 295.15 214.23 60.00 5,984.68 112.10 466.75 314.24 240.24 4,566.50 58.87 1,806.06
25.74 84.19 657.98 208.69 18,523.40
405.50 1,050.45 291.31 17,352.93
79
NOTES FORMING PART OF THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31ST MARCH, 2012 NOTE 25.A - SIGNIFICANT ACCOUNTING POLICIES AND NOTES TO THE ACCOUNTS 1. BASIS OF ACCOUNTING The Financial Statements have been prepared on historical cost basis of accounting. The company adopts the accrual system of accounting and the financial statements conform with the Accounting Standards notified under the Companies (Accounting Standards) Rules, 2006, the guidelines issued by the Reserve Bank of India for Non-Banking Financial Companies, the generally accepted accounting principles prevailing in India and the relevant provisions of the Companies Act, 1956. The preparation of financial statements requires the Management to make estimates and assumptions considered in the reported amounts of assets and liabilities (including contingent liabilities) as of the date of the financial statements and the reported income and expenses during the reporting period. Management believes that the estimates used in preparation of the financial statements are prudent and reasonable. Actual results could differ from these estimates. 2. SIGNIFICANT ACCOUNTING POLICIES: a) REVENUE RECOGNITION i. Auto Finance Income (including service charges, incentives) is accounted for by using the internal rate of return method to provide a constant periodic rate of return after adjustment of brokerage expenses on the net investment outstanding on the contract. The volume-based incentives and brokerage are accounted as and when the said volumes are achieved. Income also includes gains made on termination of contracts. The profit on account of securitisation of assets at the time of sale computed based on the difference between the sale consideration and the book value of the securitised asset is amortised over the tenure of the securities issued. Loss on account of securitisation of assets is charged off immediately to profit and loss account. Gain on account of assignment of assets on bilateral basis is recognised, based on the difference between the book value of the assigned assets and sale consideration received. In respect of non performing assets acquired from other banks / NBFCs / Financial Institutions / Companies, collections in excess of the consideration paid for acquisition at each asset level is treated as income. Interest income is recognised on accrual basis except in case of non-performing assets where it is recognised, upon realisation, as per RBI guidelines. Overdue/ penal interest is recognised as income on realisation. Fees and commission income are recognised when due. Dividend income is accounted on an accrual basis when the Companys right to receive the dividend is established.
ii.
iii.
iv.
v.
vi. vii. b)
FIXED ASSETS AND INTANGIBLE ASSETS i. ii. All the fixed assets have been stated at cost inclusive of incidental expenses less accumulated depreciation / amortization. The Company adopts the Straight Line Method of depreciation / amortization so as to write off 100% of the cost of the assets at rates higher than those prescribed under Schedule XIV to the Companies Act, 1956 based on the Managements estimate of the useful lives of all the assets. Estimated useful lives over which assets are depreciated / amortized are as follows: Computers Office Equipment Furniture and Fixtures Vehicles Premises Leasehold Improvements Software (including development) expenditure iii. 3 years 5 years 6 years 4 years 58 years Over the period of lease subject to a maximum of 6 years 3 years
Depreciation on assets whose cost does not exceed Rs.5,000/- is fully provided in the year of purchase.
80
Note 25 Finance costs (Contd.) c) INVESTMENTS Investments are classified into long term investments and current investments. Investments which are intended to be held for more than one year, are classified as long term investments and investments, which are intended to be held for less than one year, are classified as current investments. Long term investments are accounted at cost and any decline in value, other than temporary is provided for. Current investments are valued at cost (calculated by applying weighted average cost method) or fair value whichever is lower. Brokerage, stamping and additional charges paid are included in the cost of investments. In case of investments in units of mutual fund, the net asset value is considered as the fair value. d) EMPLOYEE BENEFITS i. Provident Fund Defined Contribution Plan Contribution as required by the Statute made to the Government Provident Fund is debited to the Profit and Loss Account. ii. Gratuity Defined Benefit Plan The Company accounts for the liability for future gratuity benefits based on an actuarial valuation. During the year, the Company made contribution to a Gratuity Fund administered by trustees and managed by Kotak Mahindra Old Mutual Limited, fellow subsidiary. The net present value of the Companys obligation towards the same is actuarially determined based on the projected unit credit method as at the Balance Sheet date. Actuarial gains and losses are recognised in the Profit and Loss Account. iii. iv. Actuarial gains/losses are immediately recognised in the profit and loss account and are not deferred. Compensated Absences - Other Long-Term Employee Benefits The Company accrues the liability for compensated absences based on the actuarial valuation as at the balance sheet date conducted by an independent actuary. The net present value of the Companys obligation is determined based on the projected unit credit method as at the Balance Sheet date. v. Other Employee Benefits The undiscounted amount of employee benefits expected to be paid in exchange for the services rendered by employees is recognised during the period when the employee renders the service. These benefits include performance incentives. e) EMPLOYEE STOCK OPTION SCHEME Cash-settled scheme The cost of cash-settled scheme (stock appreciation rights) is measured initially using intrinsic value method at the grant date taking into account the terms and conditions upon which the instruments were granted. This intrinsic value is amortised on a straight-line basis over the vesting period with a recognition of corresponding liability. This liability is remeasured at each balance sheet date up to and including the settlement date with changes in intrinsic value recognised in profit and loss account in Payments to and provisions for employees. f) FOREIGN CURRENCY TRANSACTIONS Transactions in foreign currency are recorded at the exchange rate prevailing on the date of the transaction. Monetary items denominated in foreign currencies are restated at the exchange rate prevailing on the balance sheet date. Exchange differences arising on settlement of the transaction and on account of restatement of monetary items are dealt with in the Profit and Loss Account. In case of items which are covered by forward exchange contracts entered to hedge the foreign currency risk, the difference between the year end rate and the rate on the date of the contract is recognized as exchange difference and the premium paid on forward contracts is recognized over the life of the contract. g) DISCOUNTED INSTRUMENTS The liability is recognised at face value at the time of issuance of discounted instruments. The discount on the issue is amortised over the tenure of the instrument. h) TAXES ON INCOME The Income Tax expense comprises Current tax and Deferred tax. Current tax is measured at the amount expected to be paid in respect of taxable income for the year in accordance with the Income tax Act, 1961. Deferred tax adjustments comprises of changes ANNUAL REPORT 2011-12
81
Note 25 Finance costs (Contd.) in the deferred tax assets and liabilities. Deferred tax assets and liabilities are recognised for the future tax consequences of timing differences being the difference between taxable income and accounting income that originates in one period and are capable of reversal in one or more subsequent periods. Deferred tax assets and liabilities are measured using tax rates and tax laws that have been enacted or substantively enacted before the balance sheet date. Changes in deferred tax assets / liabilities on account of changes in enacted tax rates are given effect to in the Profit and Loss Account in the period of change. The carrying amount of deferred tax assets are reviewed at each balance sheet date. Deferred tax assets on account of timing differences are recognised only to the extent that there is reasonable certainty that sufficient future taxable income will be available against which such deferred tax assets can be realised. i) SERVICE TAX The Cenvat (Central Value Added Tax) in respect of service tax is accounted on accrual basis on eligible services. The balance of cenvat credit is reviewed at the end of each year and amount estimated to be unutilised is charged to the profit and loss account for the year. j) BORROWING COST Borrowing costs are recognised as an expense in the period in which they are incurred. k) DERIVATIVE TRANSACTIONS The derivative transactions comprising of Interest rate swaps, equity index / stock futures and Options are considered off balance sheet items. Interest rate / Currency swaps The outstanding swap trades at the reporting date are disclosed at the contract amount. The swaps which are in the nature of hedges and are accounted on an accrual basis; these transactions are not marked to market. Accrued interest is adjusted against the interest cost/income of the underlying liability/asset. The foreign currency balances on account of principal of currency swaps outstanding as at the Balance Sheet date are revalued using the closing rate. Currency options The outstanding Option trades, in the nature of hedge, at the Balance Sheet date are disclosed at revalued amount using the closing exchange rate. The premium paid is amortised over the life of the contract. Embedded Derivatives and Equity Index Derivatives Initial Margin - Index Derivative Instrument representing the initial margin paid and /or additional margin paid over and above the initial margin, for entering into contracts for equity index futures, which are released on final settlement / squaring up of the underlying contracts, are included under Loans and Advances. Deposit for Mark to Market Margin - Index Derivative Instrument representing the deposit paid in respect of mark to market margin is included under Loans and Advances. On final settlement or squaring up of contracts for equity index derivatives, the realised profit or loss after adjusting the unrealized loss already accounted, if any, is recognised in the profit and loss account and shown as realised profit / (loss) on index derivatives. When more than one contract in respect of the relevant series of equity index futures to which the squared-up contract pertains is outstanding at the time of the squaring-up of the contract, the contract price of the contract so squared-up is determined using the weighted average cost method for calculating the profit/loss on squaring-up. Outstanding derivative contracts are measured at fair value as at each balance sheet date. Fair value of derivatives is determined using quoted market prices for that instrument wherever available, as the best evidence of fair value is a quoted price in an actively traded market. In the absence of quoted market prices in an actively traded market a valuation technique is used to determine fair value. In most cases valuation techniques use as input parameters observable market data in order to ensure reliability of the fair value measure. The mark to market on derivative contracts is determined on a portfolio basis with net unrealized losses being recognised in profit and loss account. Net unrealized gains are not recognised in profit and loss account on grounds of prudence as enunciated in Accounting Standard 1 Disclosure of Accounting Policies. l) STRUCTURED LIABILITIES The Company has issued structured liabilities wherein the return on these liabilities is linked to non interest benchmarks; these liabilities are stated at net present value. Such structured liabilities have an embedded derivative which is the non interest related
82
Note 25 Finance costs (Contd.) return component. The embedded derivative is separated and accounted separately. (Refer accounting policy on Derivative Transactions No. K) The resultant debt component of such structured liabilities is recognised in the Balance Sheet under loans and is measured at amortised cost using yield to maturity basis. m) STOCK IN TRADE Securities held as Stock-in-trade are valued at cost or market value, whichever is lower. On sale of stock in trade, profit or loss is determined using weighted average cost method. n) ADVANCES Advances are classified into standard, sub-standard, doubtful and loss assets in accordance with the RBI guidelines and are stated net of provisions made towards non-performing assets. Provision for non-performing assets comprising sub-standard, doubtful and loss assets is made in accordance with the RBI guidelines. In addition, the Company adopts an approach to provisioning that is based on the past experience, realisation of security, erosion over time in value of security and other related factors. Amounts paid for acquiring non performing assets from other banks / NBFCs / Financial Institutions / Companies are considered as advances. In accordance with RBI guidelines, such assets are treated as standard for a period of 90 days from the date of purchase. Thereafter actual collections received on such non performing assets are compared with cash flows estimated while purchasing the asset to ascertain default. If the default is in excess of 180 days, then the assets are classified into sub-standard, doubtful and loss as required by the guidelines on purchase / sale of non performing assets issued by the Reserve Bank of India. o) PROVISION / CONTINGENT LIABILITIES AND CONTINGENT ASSETS Provisions involving substantial degree of estimation in measurement are recognised when there is a present obligation as a result of past events and it is probable that there will be an outflow of resources. Contingent liabilities are not recognised but are disclosed in the notes. Contingent assets are neither recognised nor disclosed in the financial statements. p) PREMIUM ON REDEMPTION OF PREFERENCE SHARES Premium on redemption of preference shares is to be adjusted against Securities Premium Account at the time of redemption. q) SEGMENTAL ACCOUNTING The following accounting policies have been followed for segment reporting: i. ii. Segment Revenue includes Contract Receipts and other income directly identifiable with / allocable to the segment. Expenses that are directly identifiable with / allocable to segments are considered for determining the Segment Results. The expenses which relate to the Company as a whole and not allocable to segments are included under Unallocable expenses. Segment assets and liabilities include those directly identifiable with the respective segments. Unallocable corporate assets and liabilities represent the assets and liabilities that relate to the Company as a whole and not allocable to any segment. Unallocated assets mainly comprise Advance payment of taxes and tax deducted at source (net of provision for taxation). Unallocable liabilities include Deferred tax, Provision for retirement benefits and Other liabilities.
iii.
r)
LEASES Leases where the lessor effectively retains substantially all the risks and benefits of ownership of the leased term, are classified as operating leases. Operating lease payments are recognised as an expense in the Profit and Loss account on a straight-line basis over the lease term. Operating lease receipts are recognised as an income in the Profit and Loss account on accrual basis. Assets given under a finance lease are recognised as a receivable at an amount equal to the net investment in the lease.
s)
IMPAIRMENT OF ASSETS An asset is treated as impaired when the carrying cost of assets exceeds its recoverable value. An impairment loss is charged to the Profit and Loss Account in the year in which an asset is identified as impaired. The impairment loss recognised in prior accounting periods is reversed if there has been a change in estimate of recoverable amount.
83
Note 26 Additional information to the financial statements Note Particulars As at 31 March, 2012 ` in lakhs As at 31 March, 2011 ` in lakhs
26.1 (i)
Contingent liabilities and commitments (to the extent not provided for) Contingent liabilities (a) Claims against the Company not acknowledged as debt in case of suits filed by various customers with respect to release of repossessed vehicles and related matters. The Company has preferred an appeal against the same with State / National Consumer Dispute Redressal Forum. (b) Credit collateral in respect of assignment of receivables to which the assignee has recourse.
300.75 -
30.44 764.02
26.2
Disclosures required under Section 22 of the Micro, Small and Medium Enterprises Development Act, 2006 The Company has not received any intimation from suppliers regarding their status under the Micro, Small and Medium Enterprises Development Act, 2006 and hence disclosures, if any, relating to amounts unpaid as at the year end together with interest paid/ payable as required under the said Act have not been given.
26.3
Details on derivatives instruments and unhedged foreign currency exposures (a) The Company has entered into foreign currency option and forward exchange contracts for asset liability management and hedging. All the foreign currency borrowing of the company of USD 96,492,485 (` 49,090.55 lakhs (Previous year ` 37,683.21 lakhs)) are hedged against foreign currency risk as under: (i) Outstanding forward exchange contracts entered into by the Company. No. of Currency ` in lakhs USD 31,825,203 16,191.07 USD Nil (-) contracts: 2 (As at 31 March, 2011: Nil) Buy / Sell Cross currency Buy Rupees (-) (-)
(ii)
Note: Figures in brackets relate to the previous year Currency swaps (other than forward exchange contracts stated above) to hedge against fluctuations in changes in exchange rate. No. of contracts: 2 (As at 31 March, 2011: 3) Currency ` in lakhs Buy / Sell Cross currency USD 64,667,282 32,899.48 Buy Rupees (37,683.21) Expiration Date Buy No. of contracts Rupees Open long position (No. of units) 70,450 58,000 No. of units 70,000 50,000 300,000 489,350 100,000 100,000 76,300 50,000 300,000 300,000
(b)
USD 84,500,985 Open interest in Index Futures Index Futures As at 31st March 2012 S & P CNX Nifty As at 31st March 2011 S & P CNX Nifty Outstanding Option Contracts Option As at 31st March 2012 S & P CNX Nifty S & P CNX Nifty S & P CNX Nifty S & P CNX Nifty S & P CNX Nifty S & P CNX Nifty As at 31st March 2011 S & P CNX Nifty S & P CNX Nifty S & P CNX Nifty S & P CNX Nifty
26 April 2012 28 April 2011 Expiration Date 26 April 2012 28 June 2012 27 December 2012 27 December 2012 26 December 2013 26 December 2013 30 June 2011 28 June 2012 27 December 2012 27 December 2012
1,409 1,160 Nature of position Long Short Short Long Short Long Long Short Short Long
(c)
The margin of ` 2,292.25 lakhs (Previous year ` 1,400.56 lakhs) on the above positions in the form of Cash / Deposits has been placed with the trading member. The Company enters into index derivatives for the purpose of covering benchmark return on structured liabilities.
84
Note 26 Additional information to the financial statements (contd.) 26.4 Expenditure in foreign currency For the year ended For the year ended 31 March, 2012 31 March, 2011 ` in lakhs ` in lakhs 4,383.92 3.47 0.48 4,295.86 1.38 -
Interest Professional fees Travelling 26.5 26.6
The amount of dividend proposed to be distributed to Preference Shareholders for the year is ` 10 lakhs (Previous year ` 0.08 lakhs). The dividend amount per share is ` 1 (Previous year ` 0.008) The receivables of vehicles and instalment dues from borrowers includes ` 310.37 lakhs (Previous year ` 241.02 lakhs) being receivables and instalment on vehicles repossessed, necessary provision for which is made.
Note 27 Disclosures under Accounting Standards Note Particulars 27 27.1 Employee benefit plans Defined contribution plans The Company makes Provident Fund contributions to Recognized Provident Fund for qualifying employees. The Company is required to contribute a specified percentage of the payroll costs to fund the benefits. The Company recognised ` 189.93 lakhs (Year ended 31 March, 2011 ` 167.03 lakhs) for Provident Fund contributions in the Statement of Profit and Loss. The contributions payable to the Fund are at specified rates. 27.2 Defined benefit plans The Company offers the following employee benefit schemes to its employees: 27.2(i) Gratuity The following table sets out the funded status of the defined benefit schemes and the amount recognised in the financial statements: ` in lakhs Particulars Year ended 31 March, 2012 Gratuity 48.63 27.33 (15.71) 60.24 Year ended 31 March, 2011 Gratuity 31.65 14.30 68.60 35.63 150.18
Components of employer expense Current service cost Interest cost Expected return on plan assets Curtailment cost / (credit) Settlement cost / (credit) Past service cost Actuarial losses/(gains) Total expense recognised in the Statement of Profit and Loss Actual contribution and benefit payments for year Actual benefit payments Actual contributions Net asset / (liability) recognised in the Balance Sheet Present value of defined benefit obligation Fair value of plan assets Funded status [Surplus / (Deficit)] Unrecognised past service costs Net asset / (liability) recognised in the Balance Sheet 318.38 (330.00) -11.62 303.32 303.32 330.00 -
85
Note 27 Disclosures under Accounting Standards (contd.) ` in lakhs Particulars Year ended 31 March, 2012 Gratuity Year ended 31 March, 2011 Gratuity
Change in defined benefit obligations (DBO) during the year Present value of DBO at beginning of the year Current service cost Interest cost Curtailment cost / (credit) Settlement cost / (credit) Plan amendments Acquisitions Actuarial (gains) / losses Past service cost Benefits paid Present value of DBO at the end of the year Change in fair value of assets during the year Plan assets at beginning of the year Acquisition adjustment Expected return on plan assets Actual company contributions Actuarial gain / (loss) Benefits paid Plan assets at the end of the year Actual return on plan assets Composition of the plan assets is as follows: Government bonds PSU bonds Equity mutual funds Insurer Managed Funds Actuarial assumptions Discount rate Expected return on plan assets Salary escalation 8.94% 7.50% 8.26 0.00% 330.00 330.00 330.00 303.32 48.63 27.33 (8.17) (15.71) (37.01) 318.38 158.68 31.65 14.30 7.44 35.63 68.60 (12.98) 303.32
15% for first 2 years 15% for first 2 years 10% for next 2 years 10% for next 2 years & 6% thereafter & 6% thereafter 42.23
Estimate of amount of contribution in the immediate next year
25.00
86
Note 27 Disclosures under Accounting Standards (contd.) Note Particulars The discount rate is based on the prevailing market yields of Government of India securities as at the Balance Sheet date for the estimated term of the obligations. The estimate of future salary increases considered, takes into account the inflation, seniority, promotion, increments and other relevant factors. Experience adjustments ` in lakhs 31-Mar-12 Gratuity Present value of DBO Fair value of plan assets Funded status [Surplus/(Deficit)] Experience gain/(loss) adjustments on plan liabilities Experience gain/(loss) adjustments on plan assets 27.2(ii) Compensated absences 318.38 330.00 11.62 4.87 31-Mar-11 303.32 (303.32) 27.97 31-Mar-10 158.68 (158.68) 0.39 31-Mar-09 132.87 (132.87) -3.24 31-Mar-08 121.31 (121.31) 16.09 -
For the year ended 31 March, 2012 Actuarial assumptions for long-term compensated absences Discount rate Expected return on plan assets Salary escalation 8.94% 15% pa for first 2 years 10% pa for next 2 years & 6% pa thereafter
For the year ended 31 March, 2011 8.26% 15% pa for first 2 years 10% pa for next 2 years & 6% pa thereafter
27.3
The discount rate is based on the prevailing market yields of Government of India securities as at the Balance Sheet date for the estimated term of the obligations. The estimate of future salary increases considered, takes into account the inflation, seniority, promotion, increments and other relevant factors. Segment information The Company has identified business segments as its primary segment and geographic segments as its secondary segment. Business segments are primarily Vehicle financing, Other lending activities and Treasury and Investments. Vehicle Financing includes Retail and Wholesale trade finance. Other Lending activities include financing against securities, securitisation and other loans/ fee based services. Treasury and Investment activities include proprietary trading in securities. Segments have been identified and reported taking into account the nature of product and services, the differing risks and return and the internal financial reporting system. Revenues and expenses directly attributable to segments are reported under each reportable segment. Expenses which are not directly identifiable to each reportable segment have been allocated on the basis of associated revenues of the segment and manpower efforts. All other expenses which are not attributable or allocable to segments have been disclosed as unallocable. There is one Geographical segment i.e. India as Secondary segment. Particulars For the year ended 31 March, 2012 Business segments Vehicle Other lending Treasury and Eliminations Total financing activities/Fee Investment based services activities ` in lakhs ` in lakhs ` in lakhs ` in lakhs `in lakhs Revenue 122,512.00 54,798.16 3,200.90 180,511.06 (96,230.47) (37,714.62) (3,367.79) (137,312.88) Inter-segment revenue Total 122,512.00 54,798.16 3,200.90 180,511.06 (96,230.47) (37,714.62) (3,367.79) (137,312.88) Segment result 33,734.44 22,526.16 773.24 57,033.84 (28,084.27) (19,152.39) (951.77) (48,188.43) Unallocable expenses (net) Profit before taxes 57,033.84 (48,188.43) Tax expense 18,546.26 (16,402.16) Net profit for the year 38,487.58 (31,786.27) ANNUAL REPORT 2011-12
87
Note 27 Disclosures under Accounting Standards (contd.) Note Particulars Vehicle financing ` in lakhs Segment assets Unallocable assets Total assets Segment liabilities Unallocable liabilities Total liabilities Other information Capital expenditure (allocable) Capital expenditure (unallocable) Depreciation and amortisation (allocable) Depreciation and amortisation (unallocable) Other significant non-cash expenses (allocable) (give details) Other significant non-cash expenses (unallocable) Note: Figures in bracket relates to the previous year 27.4 Related party transactions Description of relationship Holding Company Names of related parties Kotak Mahindra Bank Limited holds 51% of the Share Capital Uday S. Kotak along with relatives and entities controlled by him holds 45.32% of the equity share capital of Kotak Mahindra Bank Limited as on March 31, 2012. Kotak Kotak Kotak Kotak Kotak Kotak Mahindra Capital Company Limited Securities Limited Mahindra Asset Management Company Limited Mahindra Investments Limited Mahindra Old Mutual Life Insurance Limited Investment Advisors Limited 1,986.96 (1,195.65) 257.55 (1,402.91) 109.93 (1,108.22) 182.42 (175.94) 4.79 (8.55) 0.78 0.00 214.10 (127.79) 2.82 (3.40) 5.71 0.00 222.63 (131.19) 187.99 (184.49) 2,354.44 (3,706.78) 1,011,820.44 (929,889.34) 317,129.64 (98,850.73) 5,506.78 (6,716.96) 1,141,517.95 (871,589.54) For the year ended 31 March, 2012 Business segments Other lending activities/Fee based services ` in lakhs 364,413.33 (298,760.34) Treasury and Investment activities ` in lakhs 19,573.03 (16,383.16) Total
` in lakhs 1,525,504.31 (1,186,733.04) 2,037.06 (5,128.61) 1,527,541.37 (1,191,861.65) 1,334,456.86 (1,035,457.03) 850.99 (2,647.06) 1,335,307.85 (1,038,104.09)
27.4.a Details of related parties:
Fellow Subsidiaries
Key Management Personnel (KMP)
Mr. Uday Kotak, Non Executive Chairman Mr. Sumit Bali, CEO and Manager upto 31-05-2011 Mr. Vyomesh Kapasi, CEO and Manager wef 01-06-2011 Kotak Mahindra Old Mutual Life Insurance Limited Joint Venture with Kotak Mahindra Bank Limited, Old Mutual Financial Services (UK) plc and Kotak Mahindra Capital Company Limited Phoenix ARC Private Limited (upto 08-04-2011)
Joint Venture
Associate Company
88
Note 27 Disclosures under Accounting Standards (contd.) Note Particulars Description of relationship Entities in which KMP / relatives of KMP have significant influence Mutual Fund / Venture Capital Fund managed by fellow subsidiary Names of related parties Aero Agencies Limited Infina Finance Private Limited Komaf Financial Services Limited Kotak Mahindra Mutual Fund Managed by fellow subsidiary Kotak Mahindra Asset Management Company Limited Kotak Real Estate Fund Managed by fellow subsidiary Kotak Investment Advisors Limited Kotak Mahindra Prime Employees Gratuity Fund Managed by fellow subsidiary Kotak Mahindra Old Mutual Life Insurance Limited
Note: Related parties have been identified by the Management. Details of related party transactions during the year ended 31 March, 2012 and balances outstanding as at 31 March, 2012: ` in lakhs 27.4.b Holding Company Fellow Subsidiaries KMP Entities in which KMP/ relatives of KMP have significant influence Mutual Fund/ Venture Capital Fund/ Gratuity Fund managed by Fellow Subsidiary Total
Preference shares issued Kotak Mahindra Capital Company Limited Kotak Mahindra Asset Management Co Limited Kotak Investment Advisors Limited Premium received on issue of preference shares Kotak Mahindra Capital Company Limited Kotak Mahindra Asset Management Co Limited Kotak Investment Advisors Limited Non Convertible Debentures issued Kotak Investment Advisors Limited Kotak Securities Limited Kotak Mahindra Old Mutual Life Insurance Ltd Non Convertible Debentures Redeemed Kotak Investment Advisors Limited Kotak Securities Limited Kotak Mahindra Old Mutual Life Insurance Ltd 6,000.00 26,000.00 (5,000.00)
(100.00) (50.00) (25.00) (25.00) (9,900.00) (4,950.00) (2,475.00) (2,475.00) 16,500.00 (27,500.00) (7,500.00) 9,000.00 (20,000.00) 7,500.00 4,000.00 (8,500.00) (1,500.00) 3,000.00 (2,500.00) (4,500.00)
(100.00) (50.00) (25.00) (25.00) (9,900.00) (4,950.00) (2,475.00) (2,475.00) 42,500.00 (32,500.00) (7,500.00) 9,000.00 (20,000.00) 7,500.00 10,000.00 (8,500.00) (1,500.00) 3,000.00 (2,500.00) (4,500.00) ANNUAL REPORT 2011-12
89
Note 27 Disclosures under Accounting Standards (contd.) ` in lakhs 27.4.b Holding Company Fellow Subsidiaries KMP Entities in which KMP/ relatives of KMP have significant influence Mutual Fund/ Venture Capital Fund/ Gratuity Fund managed by Fellow Subsidiary Total
Non Convertible Debentures Outstanding Kotak Investment Advisors Limited Kotak Securities Limited Kotak Mahindra Old Mutual Life Insurance Ltd Interest payable on debenture issued Kotak Investment Advisors Limited Kotak Securities Limited Kotak Mahindra Old Mutual Life Insurance Ltd Commercial Paper issued Kotak Mahindra Old Mutual Life Insurance Ltd Commercial Paper redeemed Kotak Mahindra Old Mutual Life Insurance Ltd Commercial Paper outstanding (net of unamortised discount) Kotak Mahindra Old Mutual Life Insurance Ltd Inter-Corporate Deposit obtained Kotak Mahindra Investments Limited Inter-Corporate Deposit repaid Kotak Mahindra Investments Limited Outstandings Payables Kotak Securities Limited Demat charges Payable Kotak Securities Limited
26,000.00 (20,000.00)
41,500.00 (29,000.00) 5,000.00 (6,000.00) 29,000.00 (23,000.00) 7,500.00 -
67,500.00 (49,000.00) 5,000.00 (6,000.00) 29,000.00 (23,000.00) 7,500.00 3,358.80 (1,125.72) 299.34 (332.78) 820.63 (395.03) 420.82 (5,000.00) (5,000.00) 1,000.00 1,000.00 (2,434.23) (2,434.23) 500.00 500.00 500.00 500.00 328.65 (47.62) 304.78 0.003 (0.001) 0.003 (0.001)
1,818.01 (397.91)
1,540.79 (727.81) 299.34 (332.78) 820.63 (395.03) 420.82 (5,000.00) (5,000.00) 1,000.00 1,000.00 (2,434.23) (2,434.23) 500.00 500.00 500.00 500.00 -
23.87 (47.62)
304.78 304.78 0.003 (0.001) 0.003 (0.001)
90
Assignment of Receivables Kotak Mahindra Investments Limited Interest Rate Swaps Contracts for Interest Rate Swaps settled during the year (Off Balance Sheet) Redemption of units of Kotak Real Estate Fund Income on units of Kotak Real Estate Fund Purchases of units of Kotak Mahindra Mutual Fund Sales of units of Kotak Mahindra Mutual Fund Profit on sale of units of Kotak Mahindra Mutual Fund Contribution to Kotak Mahindra Prime Employees Gratuity Fund Sale of equity shares of Phoenix ARC Private Limited (of ACE Derivatives and Commodities Exchange Ltd in previous year) Kotak Mahindra Investments Limited Purchase of equity shares (of ACE Derivatives and Commodities Exchange Ltd) Komaf Financial Services Ltd Term Deposits / Margin Deposits placed Kotak Securities Limited Interest receivable on Term deposits (net of TDS) Deposits Kotak Mahindra Old Mutual Life Insurance Ltd Bank Balance in Current/OD Account Outstandings Receivables Kotak Mahindra Old Mutual Life Insurance Ltd
(2,896.33)
(504.18) (504.18)
(3,400.51) (504.18) (5,000.00) 150.08 (449.67) (28.28) (1,022.84) 150.08 (449.67) (28.28) (1,022.84)
(5,000.00)
1,716,059.54 1,716,059.54 (1,217,729.74) (1,217,729.74) 1,716,965.94 1,716,965.94 (1,218,211.14) (1,218,211.14) 906.40 (481.39) 330.00 1,155.06 (99.36) 1,155.06 (99.36) (644.30) (644.30) 1,043.04 (807.37) 488.26 (3.82) 488.26 (3.82) 6.34 (0.95) 0.10 (0.10) 10.00 (10.00) 10.00 (10.00) 76,959.43 (10,419.97) (3.87) 1.02 (14.92) 0.57 (0.78) (0.45) 906.40 (481.39) 330.00 1,155.06 (99.36) 1,155.06 (99.36) (644.30) (644.30) 1,531.30 (811.19) 488.26 (3.82) 6.34 (0.95) 10.10 (10.10) 10.00 (10.00) 76,959.43 (10,419.97) 1.02 (19.24) 0.57 (0.78) ANNUAL REPORT 2011-12
91
Kotak Securities Limited Infina Finance Private Limited Insurance Premium paid in advance Kotak Mahindra Old Mutual Life Insurance Ltd Dividend paid on Preference Shares Kotak Mahindra Asset Management Co Limited Kotak Mahindra Capital Company Limited Kotak Investment Advisors Limited Interest received on Term Deposits Profit on Assignment of Receivables Kotak Mahindra Investments Limited Miscellaneous Income Kotak Mahindra Investments Limited Fee based income Kotak Mahindra Old Mutual Life Insurance Ltd License fees received Kotak Mahindra Asset Management Co Limited Profit on Sale of Shares of Phoenix ARC Private Limited (Loss of ACE Derivatives and Commodities Exchange Ltd in previous year) Kotak Mahindra Investments Limited Interest Rate Swaps Payments Interest on Cash Credit Interest on Inter-Corporate Deposit (92.84) 69.26 (59.64) 402.96 (429.86) (0.35) 327.33 (230.11) (110.81)
0.45 (14.14) (0.45) 4.33 (2.82) 4.33 (2.82) 0.08 0.02 0.04 0.02 -
0.45 (14.14) (0.45) 4.33 (2.82) 4.33 (2.82) 0.08 0.02 0.04 0.02 327.33 (230.11)
(42.38) (42.38) (0.35) (0.35) 7.66 (28.42) 7.66 (28.42) 1.27 (1.27) 1.27 (1.27) 115.44 (0.36) 115.44 (0.36)
(153.19) (42.38) (0.70) (0.35) 7.66 (28.42) 7.66 (28.42) 404.23 (431.13) 1.27 (1.27) 115.44 (0.36) 115.44 (0.36) (92.84) 69.26 (59.64)
0.39 -
0.39 -
92
Kotak Mahindra Investments Limited Brokerage paid Kotak Securities Limited Interest on debentures paid Kotak Investment Advisors Limited Kotak Securities Limited Kotak Mahindra Old Mutual Life Insurance Ltd Discount amortised on commercial paper Kotak Mahindra Old Mutual Life Insurance Ltd Data Processing Expenses Common Establishment Expenses - Reimbursed Kotak Mahindra Investments Limited Guest House Charges paid Gym Charges paid Fee based expense (net of service tax) License fees paid Insurance Premium paid Kotak Mahindra Old Mutual Life Insurance Ltd Demat Charged paid Kotak Securities Limited Cost of travel tickets purchased Aero Agencies Limited 0.87 (1.16) 0.42 13.90 (690.00) 458.96 (457.93) 60.00 (60.00) 485.21 (452.35) 2,459.31 (1,634.00)
0.39 99.00 (87.83) 99.00 (87.83) 3,603.30 (1,242.47) 458.06 (489.43) 2,724.42 (656.23) 420.82 (96.81) 28.72 (158.52) 28.72 (158.52)
0.39 99.00 (87.83) 99.00 (87.83) 6,062.61 (2,876.47) 458.06 (489.43) 2,724.42 (656.23) 420.82 (96.81) 28.72 (158.52) 28.72 (158.52) 60.00 (60.00)
14.40 (14.40) 14.40 (14.40)
499.61 (466.75) 14.40 (14.40) 0.87 (1.16) 0.42 13.90 (690.00) 458.96 (457.93)
2.82 (2.94) 2.82 (2.94) 0.004 (0.006) 0.004 (0.006) 1.77 (1.36) 1.77 (1.36)
2.82 (2.94) 2.82 (2.94) 0.00 (0.01) 0.00 (0.01) 1.77 (1.36) 1.77 (1.36) ANNUAL REPORT 2011-12
93
Note 27 Disclosures under Accounting Standards (contd.) ` in lakhs 27.4.b Holding Company Fellow Subsidiaries KMP Entities in which KMP/ relatives of KMP have significant influence (0.45) Mutual Fund/ Venture Capital Fund/ Gratuity Fund managed by Fellow Subsidiary Total
Expense reimbursements by other company Kotak Mahindra Investments Limited Kotak Mahindra Asset Management Co Limited Kotak Mahindra Old Mutual Life Insurance Ltd Infina Finance Private Limited Expense reimbursements to other company Kotak Mahindra Investments Limited Reimbursement to Other Company-Employee transfer Kotak Mahindra Investments Limited Kotak Securities Limited Reimbursement by Other Company-Employee transfer Kotak Securities Limited Kotak Mahindra Old Mutual Life Insurance Ltd Reimbursement to Other Company-Purchase of Assets Reimbursement by Other Company - Sale of Assets Guarantees given Remuneration to key management personnel* Sumit Bali Vyomesh Kapasi
12.54 (15.36)
0.18 (1.01) 0.08 (0.07) 0.10 (0.12) (0.82) -
12.72 (16.82) 0.08 (0.07) 0.10 (0.12) (0.82)
(0.45)
(0.45) 444.72 (512.82) 2.27 (1.67) 17.99 (26.29) 0.23 (2.59) 17.98 (20.32) (2.59) 0.91 (1.89) 0.05 (2.37) 15.43 (2.01) 3.75 (3.75)
442.45 (511.15)
2.27 (1.67) 2.27 (1.67)
17.76 (23.70)
0.23 (2.59) 0.23 (2.59)
17.07 (15.84)
0.91 (4.48) (2.59) 0.91 (1.89)
0.05 (2.37) 15.43 (2.01) 3.75 (3.75) 119.53 (124.58) 58.84 (124.58) 60.69 -
119.53 (124.58) 58.84 (124.58) 60.69 -
* Excludes provision for gratuity and compensated absences, since it is based on actuarial valuation done on an overall basis. Note: Figures in bracket relates to the previous year
94
Note 27 Disclosures under Accounting Standards (contd.) Note Particulars For the year ended 31 March, 2012 ` in lakhs For the year ended 31 March, 2011 ` in lakhs
27.5
Details of leasing arrangements Income:- As Lessor / Sub-lessor
27.5.a The Company has sublet some of the premises under operating lease. These are generally cancellable and are renewable by mutual consent on mutually agreaable terms. The lease income is recognised in the profit and loss account under Other Income The lease income recognised in the profit and loss account under Other Income The sublease income recognised in the profit and loss acount under Other Income Expense:- As Lessee 27.5.b The Company has taken various offices under operating lease or leave and license agreements. These are generally cancellable and range between 11 months and 9 years under leave and license agreement and are renewable by mutual consent on mutually agreeable terms. Future minimum lease payments under non-cancellable leases not later than one year later than one year and not later than five years later than five years Lease payments recognised in the Statement of Profit and Loss 27.6 Earnings per share 12.75 9.56 559.46 18.47 556.62 378.00 26.23 378.00 53.12
27.6.a Basic Net profit for the year Less: Preference dividend and tax thereon Net profit for the year Weighted average number of equity shares Par value per share Earnings per share - Basic 27.6.b Diluted Net profit for the year Less: Preference dividend and tax thereon Net profit for the year Weighted average number of equity shares - for diluted EPS Par value per share Earnings per share - Diluted 38,487.58 11.62 38,475.96 3,495,200 10 1,100.82 31,786.27 0.09 31,786.18 3,495,200 10 909.42 38,487.58 11.62 38,475.96 3,495,200 10 1,100.82 31,786.27 0.09 31,786.18 3,495,200 10 909.42
95
Note 27 Disclosures under Accounting Standards (contd.) Note Particulars As at 31 March, 2012 ` in lakhs As at 31 March, 2011 ` in lakhs
27.7
Deferred tax asset Tax effect of items constituting deferred tax liability On expenditure deferred in the books but allowable for tax purposes Provision for Mark to Market on embedded options Tax effect of items constituting deferred tax liability Tax effect of items constituting deferred tax assets Provision for compensated absences, gratuity and other employee benefits Provision for doubtful debts / advances Disallowances under Section 40(a)(i), 43B of the Income Tax Act, 1961 On difference between book balance and tax balance of fixed assets Provision for interest on debentures Provision for Mark to Market on embedded options On income amortised in books but taxed on accrual,basis Others Tax effect of items constituting deferred tax assets Net deferred tax asset 70.92 2,172.13 1.26 1,083.30 667.06 281.19 3.65 4,279.51 1,942.09 175.15 3,043.84 1.71 1,113.49 343.19 340.33 687.35 5.10 5,710.16 3,923.34 2,176.27 161.15 2,337.42 1,786.82 1,786.82
27.8
Interest in joint ventures The Company has interests in the following jointly controlled entities: ` in lakhs Name of company and country of incorporation % of shareholding Amount of interest based on accounts for the year ended 31 March, 2012 Assets Kotak Mahindra Old Mutual Life Insurance Limited. India (unaudited) Liabilities Income Expenditure Contingent Capital liabilities commitments 289.44 (141.77) 68.66 (66.43)
10.58 (10.58)
106,338.11 (93,604.24)
99,851.93 (89,268.88)
34,187.20 (38,322.48)
32,036.38 (37,267.88)
Note: Figures in brackets relate to the previous year Note 27.9 Particulars Details of Gross Investment, unearned finance income and present value of rentals under Hire Purchase and Lease Gross Investment (a) (b) not later than 1 year between 1 and 5 years 31-03-2012 ` in lakhs 6,845.38 11,712.30 18,557.68 Unearned Finance Income (a) (b) not later than 1 year between 1 and 5 years 1,711.64 1,956.64 3,668.28 Present value of rentals (a) (b) not later than 1 year between 1 and 5 years 5,133.74 9,755.58 14,889.32 2,204.37 7,172.38 9,376.75 1,053.78 1,372.15 2,425.93 31-03-2011 ` in lakhs 3,258.15 8,544.53 11,802.68
The company is in the business of vehicle financing. The company enters into finance lease agreements ranging between one to five years. The accumulated provision for uncollectible minimum lease/hire purchase payments receivable is `1.13 lakhs (Previous Year ` 2.95 lakhs)
96
Note 28 Disclosures on Employee share based payments Note 28 Particulars Equity Settled Options At the General Meetings of the holding company, Kotak Mahindra Bank Limited, (the Bank), the shareholders of the Bank had unanimously passed Special Resolutions on 28th July,2000, 26th July,2004, 26th July, 2005, 5th July, 2007 and 21st August, 2007 to grant options to the Eligible Employees of the Bank and its subsidiary companies. Pursuant to these resolutions, the following four Employee Stock Option Scheme (Scheme) had been formulated and adopted: Kotak Mahindra Equity Option Scheme 2001-02 Kotak Mahindra Equity Option Scheme 2002-03 Kotak Mahindra Equity Option Scheme 2005 Kotak Mahindra Equity Option Scheme 2007 Consequent to the above, the Bank has granted stock options to employees of the Company In accordance with the SEBI Guidelines and the guidance note on Accounting for Employee Share based payments, the excess, if any, of the market price of the share, preceding the date of grant of the option under ESOSs over the exercise price of the option is amortised on a straight-line basis over the vesting period. The Company has reimbursed the Bank Rs.38.58 lakhs (Previous year Rs.37.15 lakhs) during the year on account of such costs and the same is forming part of Employee costs and included under the head Salaries, allowances and bonus under Schedule Employee benefit expenses. Had the company recorded the compensation cost computed on the basis of Fair Valuation method instead of Intrinsic Value method, employee compensation cost would have been higher by Rs.45.43 lakhs (Previous year Rs.75.06 lakhs) and the profit after tax would have been lower by Rs.30.69lakhs (Previous year Rs.50.13 lakhs). On account of the same, the basic and diluted EPS of the company would have been lower by Rs.0.88 per share (Previous year Rs.1.43 per share). Stock Appreciation Rights During the year, the management had approved SARs to be granted to eligible employees as and when deemed fit. The SARs are to be settled in cash and will vest in the manner as provided in the scheme/ grant letters to employees. The contractual life (which is equivalent to the vesting period) of the SARs outstanding ranges from 1.13 to 3.63 years. Detail of activity under SARs is summarised below: 31-03-2012 Outstanding at the beginning of the year Granted during the year Exercised during the year Expired during the year Forfeited during the year Outstanding at the end of the year Effect of share based payment to employees on the profit and loss account and on its financial position 31-03-2012 ` in lakhs Total Employee Compensation Cost pertaining to share based payment plans Closing balance of liability for cash settled options Note 29 Note 29.1 Particulars Details of non performing financial assets purchased Particulars No. of accounts purchased during the year Aggregate Outstanding (net of provision) 31-03-2012 ` in crores NIL NIL 31-03-2011 ` in crores NIL 0.99 61.66 18.20 31-03-2011 ` in lakhs 70.71 11.84 4,370 15,990 12,530 7,830 31-03-2011 8,740 4,370 4,370
97
Note 29 Note Particulars 29.2 Assets De-recognised Securitisation Book value of advances securitised Number of accounts Sale consideration received for the accounts securitised Gain on securitisation amortised Credit enhancement, liquidity support provided Nature of post securitisation support 31-03-2012 ` in lakhs 35,000.00 3 35,223.48 1,463.07 NIL Collection and paying agent or servicer 31-03-2012 Assets De-recognised on Assignment of Receivables bilaterally with Banks and Corporates 29.3 Nil 31-03-2011 ` in lakhs 251,388.00 20 253,856.63 1,177.13 NIL Collection and paying agent or servicer 31-03-2011 13,400.51
As per the Non-Banking Financial (Non-Deposit Accepting or Holding) Companies Prudential Norms (Reserve Bank) Directions, 2007, the company is considered to be systemically important non-deposit taking non-banking finance company. Accordingly, the company is required to comply with the norms for Concentration of Credit / Investment as well as maintain the Capital adequacy ratio. While there is no specific requirement to maintain capital adequacy on financial derivatives, the company has followed the rules prescribed in this regard, for Banking companies. Note to the Balance Sheet of a non-banking financial company (as required in terms of paragraph 13 of Non-Banking Financial (Non-Deposit Accepting or Holding) Companies Prudential Norms (Reserve Bank) Directions, 2007) (` in lakhs) Particulars Liabilities side: Amount Outstanding (1) Loans and advances availed by the NBFCs inclusive of interest accrued thereon but not aid: (a) Debentures : Secured Unsecured (other than falling within themeaning of public deposits*) (b) (c) (d) (e) (f) Deferred Credits Term Loans Inter-corporate loans and borrowing Commercial Paper 547,318 NIL NIL NIL Amount Overdue
29.4
NIL 544,091 400 135,239 NIL 776 45,670
NIL NIL NIL NIL NIL NIL NIL
Other Loans Debenture Application Money Security Deposits from customers Tier II Debentures * Please see Note 1 below Assets side:
Amount Outstanding (2) Break-up of Loans and Advances including bills receivables [other than those included in (3) below:] (a) (b) Secured Unsecured 205,356 60,602
98
Note 29 (Contd.) (` in lakhs) (3) Break up of Leased Assets and stock on hire and otherassets counting towards AFC activities (net of provision) (i) Lease assets including lease rentals under sundrydebtors (a) (b) (ii) Financial lease Operating lease 14,915 NIL
Stock on hire including hire charges under sundrydebtors: (a) (b) Assets on hire Repossessed Assets 7 NIL
(iii)
Other loans counting towards AFC activities (a) (b) Loans where assets have been repossessed Loans other than (a) above 310 1,057,389
(4)
Break-up of Investments : Current Investments : 1. Quoted : (i) Shares : (a) (b) (ii) (iii) (iv) (v) 2. Equity Preference 1,657 NIL 33,287 NIL NIL NIL
Debentures and Bonds Units of mutual funds Government Securities Others
Unquoted : (i) Shares : (a) (b) (ii) (iii) (iv) (v) Equity Preference NIL NIL 30,241 NIL NIL NIL
Lonq Term investments : 1. Quoted : (i) Shares : (a) (b) (ii) (iii) (iv) (v) 2. Equity Preference NIL NIL NIL 50 NIL NIL
Unquoted : (i) Shares : (a) (b) (ii) (iii) (iv) (v) Equity Preference 9,363 NIL NIL NIL NIL 636
Debentures and Bonds Units of mutual funds Government Securities Others - Units of Kotak India Real Estate Fund
99
Note 29 (` in lakhs) (5) Borrower group-wise classification of assets financed as in (2) and (3) above Please see Note 2 below Category Secured 1. Related Parties ** (a) (b) (c) 2. Subsidiaries Companies in the sameGroup Other related parties NIL NIL NIL 1,272,204 1,272,204 NIL NIL NIL 66,374 66,374 NIL NIL NIL 1,338,578 1,338,578 Amount net of provisions Unsecured Total
Other than related parties Total
(6)
Investor group-wise classification of all investments (current and long term) in shares andsecurities (both quoted and unquoted): Please see note 3 below Category 1. Related Parties ** (a) (b) (c) 2. Subsidiaries Companies in the same Group Other related parties NIL 5,400 636 69,214 75,250 NIL 5,400 636 69,198 75,234 Market Value / Break up or fair value or NAV Book Value (Net of Provisions)
Other than related parties Total
** As per Accounting Standard of ICAI (Please see Note 3) (7) Other information Particulars (i) Gross Non-Performing Assets (a) (b) (ii) Related parties Other than related parties NIL 5,362 (` in lakhs)
Net Non-Performing Assets (a) (b) Related parties Other than related parties NIL 2,171 NIL
(iii) Notes: 1.
Assets acquired in satisfaction of debt
As defined in Paragraph 2(1)(xii) of the Non-Banking Financial Companies Acceptance of Public Deposits (Reserve Bank) Directions, 1998. Provisioning norms shall be applicable as prescribed in Non-Banking Financial (Non deposit accepting or holding) Companies Prudential Norms (Reserve Bank) Directions, 2007 All Accounting Standards notified under the Companies (Accounting Standards) Rules, 2006 and Guidance Notes issued by ICAI (also refer Schedule 17 (B)(iii)) are applicable including for valuation of investments and other assets as also assets acquired in satisfaction of debt. However, market value in respect of quoted investments and break up/fair value/NAV in respect of unquoted investments should be disclosed irrespective of whether they are classified as long term or current in column (4) above.
2.
3.
100
Note 29 (Contd.) 29.5 Disclosures pursuant to Guidelines for NBFC-ND-SI vide circular no NBS(PD).CC.No.125/03.05.002/2008-2009 dated August 1, 2008 (a) CRAR Items (i) (ii) (iii) (b) CRAR (%) CRAR - Tier I Capital (%) CRAR - Tier II Capital (%) Current Year 16.34 12.34 4.00 Previous Year 15.52 12.60 2.92
Exposure to Real Estate Sector Category (a) Direct Exposure (i) Residential Mortgages Lending fully secured by mortgages on residential property that is or will be occupied by the borrower or that is rented (ii) Commercial Real Estate Lending secured by mortgages on commercial real estates (office buildings, retails space, multipurpose commercial premises, multi-family residential buildings, multi-tenanted commercial premises, industrial or warehouse space, hotels, land acquisition, development and construction, etc). (iii) Investments in Mortgage Backed Securities (MBS) and other securitized exposures a. b. (b) Residential Commercial Real Estate 15,481,371,938 12,416,980,033 Current Year Previous Year
Indirect Exposure Fund based and non-fund based exposures onNational Housing Bank (NHB) and Housing FinanceCompanies (HFCs) -
(c)
Asset Liability Management Maturity Pattern of Certain items of Assets and Liabilities (` in crores) 1 Day to 30/3 Days (One Month Liabilities Borrowings from banks Market Borrowinqs Assets Advances Investments 1,777 2 920 34 864 1 1,876 20 2,687 595 4,395 813 54 100 13,386 752 663 490 300 349 200 558 1,200 378 1,750 790 2,290 3,605 16 29 117 6,432 6,303 Over one Month to 2 Months Over 2 Months upto 3 Months Over 3 Months upto Months Over 6 Months upto 1 year Over 1 Year upto 3 years Over 3 Years upto 5 Years Over 5 Years Total
101
Note 30 Previous years figures Note 30 Particulars The Revised Schedule VI has become effective from 1 April, 2011 for the preparation of financial statements. This has significantly impacted the disclosure and presentation made in the financial statements. Previous years figures have been regrouped / reclassified wherever necessary to correspond with the current years classification / disclosure. For and on behalf of the Board of Directors Dipak Gupta Director Place : Mumbai Date : April 25, 2012 Harish Shah Company Secretary Jaimin Bhatt Director
102
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KOTAK MAHINDRA PRIME LIMITED

ANNUAL REPORT 2011-12

VALUE CREATION WITH STABILITY

REPORTS DIRECTORS REPORT

KOTAK MAHINDRA PRIME LIMITED

VALUE CREATION WITH STABILITY

REPORTS DIRECTORS REPORT

ANNUAL REPORT 2011-12

KOTAK MAHINDRA PRIME LIMITED

VALUE CREATION WITH STABILITY

REPORTS DIRECTORS REPORT

ANNUAL REPORT 2011-12

KOTAK MAHINDRA PRIME LIMITED

VALUE CREATION WITH STABILITY

REPORTS AUDITORS REPORT

Annexure to the Auditors Report

(c) (iii) (a)

ANNUAL REPORT 2011-12

KOTAK MAHINDRA PRIME LIMITED

VALUE CREATION WITH STABILITY

REPORTS BALANCE SHEET AND P&L A/c

Balance Sheet as at 31st March 2012

ANNUAL REPORT 2011-12

4,513.72 100,252.11 187.99 18,523.40 123,477.22

4,330.80 67,256.23 184.49 17,352.93 89,124.45

16,610.00 (44.98) 16,565.02 1,981.24 18,546.26

16,960.00 16,960.00 (557.84) 16,402.16 31,786.27

KOTAK MAHINDRA PRIME LIMITED

VALUE CREATION WITH STABILITY

REPORTS CASH FLOW STATEMENT

ANNUAL REPORT 2011-12

(` in lakhs) 2011-12 2010-11

KOTAK MAHINDRA PRIME LIMITED

VALUE CREATION WITH STABILITY

REPORTS ACCOUNTING POLICIES & NOTES

Notes forming part of the financial statements

ANNUAL REPORT 2011-12

Notes forming part of the financial statements

Equity shares with voting rights

Equity shares with differential voting rights

Compulsorily convertible preference shares Number of shares

Optionally convertible preference shares

Redeemable preference shares

KOTAK MAHINDRA PRIME LIMITED

VALUE CREATION WITH STABILITY

REPORTS ACCOUNTING POLICIES & NOTES

Notes forming part of the financial statements

198,830.00 26,145.00 2,090.10 24,054.90 139,630.00 21,288.30 118,341.70 32,500.00 251.52

KOTAK MAHINDRA PRIME LIMITED

VALUE CREATION WITH STABILITY

REPORTS ACCOUNTING POLICIES & NOTES

ANNUAL REPORT 2011-12

100 debentures of Rs. 500,000 each Linked to NSE Nifty

KOTAK MAHINDRA PRIME LIMITED

VALUE CREATION WITH STABILITY

REPORTS ACCOUNTING POLICIES & NOTES

As at 31st March, 2011 Secured Unsecured -

ANNUAL REPORT 2011-12

As at 31st March, 2011 Secured Unsecured -

KOTAK MAHINDRA PRIME LIMITED

VALUE CREATION WITH STABILITY

REPORTS ACCOUNTING POLICIES & NOTES

As at 31st March, 2011 Secured Unsecured -

ANNUAL REPORT 2011-12