NHB Directions Upto Date

8/12/2019 NHB Directions Upto Date

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(As Modified upto 1stAugust, 2012)

NATIONAL HOUSING BANK

New Delhi, the 10th June, 2010

The Housing Finance Companies (NHB) Direcions! "#$#$

Noi%icaion No& NHB&HFC&DI'&$CD"#$#

Whereas the National Housing Bank had issued Housing Finance CompaniesNHB! Directions, 2001 in respect o" matters relating to acceptance o" deposits#$ housing "inance companies, prudential norms "or income recognition,accounting standards, asset classi"ication, pro%ision "or #ad and dou#t"ul assets,capital ade&uac$ and concentration o" credit' in%estments to #e o#ser%ed #$ thehousing "inance companies and matters to #e included in the (uditors )eport #$the auditors o" such housing "inance companies and matters ancillar$ andincidental thereto and amended the said Directions "rom time to time*

2. (nd whereas it is considered desira#le to issue consolidated Directions

incorporating the amendments made "rom time to time*3. Now there"ore, the National Housing Bank ha%ing considered itnecessar$ in the pu#lic interest and #eing satis"ied that "or the purpose o"ena#ling the National Housing Bank to regulate the housing "inance s$stem o"the countr$ to its ad%antage, it is necessar$ to gi%e the Directions mentioned#elow, here#$ in e+ercise o" the powers con"erred, #$ sections 0, 0(, 1 and

33o" the National Housing Bank (ct, 1-./ o" 1-./! and o" all the powersena#ling it in this #ehal", and in supercession o" the a"orementioned directions

gi%es the Directions hereina"ter speci"ied*

CHA*T+' I , *'+LIINA'-

Shor i.e! commencemen an/ app.ica0i.i1 o% he Direcions

$& 1! hese Directions shall #e known as the Housing Finance Companies NHB!Directions,2010* he$ shall come into "orce "rom the date o" pu#lication in the ""icial 3a4ette and an$

re"erence in these Directions to the date o" commencement thereo" shall #e deemed to #e a

re"erence to that date*

2! 5nless otherwise directed #$ the National Housing Bank, these Directions e+cept theDirections contained in Chapter 67 shall #e applica#le to e%er$ housing "inance compan$registered under section 2-( o" the National Housing Bank (ct, 1-./ o" 1-./!*Directions contained in Chapter 67 shall #e applica#le to e%er$ auditor o" a housing "inance

compan$*

De%iniions

2. 1! 6n these Directions, unless the conte+t otherwise re&uires,(1)8#anking compan$9 means a #anking compan$ as de"ined in :ection c! o" the Banking)egulation (ct, 1-;- 10 o" 1-;-!! which primaril$ transacts or has as one o" its principal o#ects, the

transacting o" the #usiness o" pro%iding "inance "or housing, whether directl$ or indirectl$ 1 o" 1->!< or

(2) a :tate Financial Corporation or a :tate 6ndustrial 6n%estment Corporation< or

(3) a scheduled commercial #ank< or

(4) the 3eneral 6nsurance Corporation o" 6ndia esta#lished in pursuance o" thepro%isions o" section - o" the 3eneral 6nsurance Business Nationalisation! (ct, 1-/2

/ o" 1-/2!< or(5) an$ other 6nstitution which the National Housing Bank ma$, #$ noti"ication, speci"$

in this #ehal";!or the i"e 6nsurance Corporation o" 6ndia esta#lished under the i"e 6nsuranceCorporation (ct, 1-> 1 o" 1->! or the 3eneral 6nsurance Corporation o" 6ndia and itssu#sidiaries esta#lished in pursuance o" the pro%isions o" section - o" the 3eneral6nsurance Business Nationalisation! (ct, 1-/2 / o" 1-/2! or the :mall 6ndustriesDe%elopment Bank o" 6ndia esta#lished under the :mall 6ndustries De%elopment Bank o"6ndia (ct, 1-.- - o" 1-.-! or the 5nit rust o" 6ndia esta#lished under the 5nit rust o"6ndia (ct, 1-> 2 o" 1->! or National Bank "or (griculture and )ural De%elopmentesta#lished under the National Bank "or (griculture and )ural De%elopment (ct, 1-.2 oran Alectricit$ Board constituted under the Alectricit$ :uppl$! (ct, 1-;. or the amil

Nadu 6ndustrial 6n%estment Corporation td*, or the National 6ndustrial De%elopmentCorporation o" 6ndia td*, or the 6ndustrial Credit I 6n%estment Corporation o" 6ndiatd*, or the 6ndustrial Finance Corporation o" 6ndia td*, or the 6ndustrial 6n%estmentBank o" 6ndia td*, or :tate rading Corporation o" 6ndia td*, or the )ural Alectri"icationCorporation td*, or the inerals and etals rading Corporation o" 6ndia td*, or the(gricultural Finance Corporation td*, or the :tate 6ndustrial and 6n%estment Corporationo" aharashtra td*, or the 3uarat 6ndustrial 6n%estment Corporation td*,or (sian

De%elopment Bank or 6nternational Finance Corporation orJapan Bank "or 6nternational

Cooperation JB6C!K1

or Lreditanstalt "Mr Wiederau"#au L"W! or an$ other institution

that ma$ #e speci"ied #$ the National Housing Bank in this #ehal" and continues to include in its (rticles o" (ssociation pro%isions relating to the

matters speci"ied in clause iii! o" su#@section 1! o" section o" the Companies (ct, 1->1 o" 1->!

Provided that the Director or shareholder, as the case may be, from whom the money is

received furnishes to the housing finance company at the time of giving the money, a

declaration in writing to the effect that the amount is not being given out of funds

acquired by him by borrowing or accepting from others;

Provided further that in the case of joint shareholders of a private limited company,

money received from or in the name of the joint shareholders except the first named

shareholder shall not be eligible to be treated as the receipt of money from the

shareholder of the company;

(6) an$ amount raised #$ the issue o" #onds or de#entures secured #$ the mortgage o"an$ immo%a#le propert$ o" the housing "inance compan$< or #$ an$ other asset or with

an option to con%ert them into shares in the housing "inance compan$ pro%ided that in thecase o" such #onds or de#entures secured #$ mortgage o" an$ immo%a#le propert$ orsecured #$ other assets, the amount o" such #onds or de#entures shall not e+ceed themarket %alue o" such immo%a#le propert$' other assets0

i%! ore than three $ears #ut upto "our $ears ;0%! ore than "our $ears #ut upto "i%e $ears 20

to the e+tent such discounted %alue does not e+ceed "i"t$ percent o" the ier@6 capital'CD'2012 dated 1

st(ugust, 2012 pu#lished in the 3a4ette o" 6ndia, =art

666@:ec*; dated ,2012* =rior to su#stitution, the su#@paragraph 1! o" paragraph read as under$%pproved &redit ating %gencies'he names of approved credit rating agencies for the time being are as follows()

(1)'he &redit ating *nformation +ervices of *ndia td- !&*+*#
http://var/www/apps/conversion/tmp/scratch_1/HYPERLINK%23page9http://var/www/apps/conversion/tmp/scratch_1/HYPERLINK%23page9http://var/www/apps/conversion/tmp/scratch_1/HYPERLINK%23page9


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(2) *&% td-

(3) &redit %nalysis . esearch td-!&%E#(4) /*'&0 atings *ndia Private td-1-


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*erio/ o% /eposis

4.No housing "inance compan$ shall accept or renew an$ pu#lic deposit

(1) which is repa$a#le on demand or on notice< or

(2) unless such deposit is repa$a#le a"ter a period o" twel%e months or more #ut not laterthan eight$ "our months "rom the date o" acceptance or renewal o" such deposits*ExplanationWhere a pu#lic deposit is in 6nstalments, the period o" such deposit shall #e computed "rom

the date o" receipt o" "irst 6nstallment*

4oin /eposi

5& Where so desired, deposits ma$ #e accepted in oint names with or without an$ o" the

clauses, namel$, 8Aither or :ur%i%or9, 8Num#er ne or :ur%i%or's9, 8(n$one or :ur%i%or's9*

*aricu.ars o 0e speci%ie/ in app.icaion %orm so.iciing pu0.ic /eposis

6 i! No housing "inance compan$ shall accept or renew an$ pu#lic deposit e+cept on awritten application "rom the depositors in the "orm to #e supplied #$ the housing "inancecompan$, which "orm shall contain all the particulars speci"ied in the Non @Banking FinancialCompanies and iscellaneous Non@Banking Companies (d%ertisement! )ules, 1-//, madeunder section .( o" the Companies (ct, 1-> 1 o" 1->! and also contain the particulars o"the speci"ic categor$ o" the depositors, i*e* whether the depositor is a shareholder or a directoror a promoter o" the housing "inance compan$ or a mem#er o" pu#lic or a relati%e o" adirector o" the compan$*

(35) he application "orm shall also contain the "ollowing@

(1) the credit rating assigned "or its deposits and the name o" the credit rating agenc$which rated the housing "inance compan$! at an$ place other than its


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)egistered ""ice in accordance with the pro%isions to that su#@section, it shall #e su""icient

compliance with this su#@paragraph i" the register a"oresaid is kept at such other place,


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pa$


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interest "rom the date o" claim till the date o" repa$ment at the rate as applica#le to the

deposit*

Genera. pro


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thereo" or an$ interest thereupon< or

(3)approaches the Bank "or withdrawal o" the li&uid asset securities to meet its deposito#ligations< or closure

(4)approaches the Bank "or an$ relie" or rela+ation or e+emption "rom the pro%isions o"these directions "or a%oiding de"ault in meeting pu#lic deposit or other o#ligations< or

has #een identi"ied #$ the National Housing Bank to #e a pro#lem housing "inance compan$

either suo motoor #ased on the complaints "rom the depositors a#out non@repa$ment o"

pu#lic deposits or on complaints "rom the compan$s lenders a#out non@pa$ment o" dues*

'ene=a. o% pu0.ic /eposi 0e%ore mauri1

$3& Where an$ housing "inance compan$ permits an e+isting depositor to renew his pu#lic

deposit #e"ore maturit$ "or a%ailing the #ene"it o" higher rate o" interest, such compan$ shall

pa$ the depositor the increase in the rate o" interest pro%ided,

(1) the pu#lic deposit is renewed in accordance with the other pro%isions o" thesedirections and "or a period longer than the remaining period o" the original contract! he general pro%ision o" 0*;Oo" the total outstanding amount o" loans shall not #ereckoned "or arri%ing at net N=(s*

/! he pro%isions towards :tandard (ssets need not #e netted "rom gross ad%ances #ut

shown separatel$ as GContingent =ro%isions against :tandard (ssets in the #alance sheet*K1Disc.osure in 0a.ance shee

"9* 1! A%er$ HFC shall, separatel$ disclose in its #alance sheet the pro%isions made as per

paragraph 2. a#o%e without netting them "rom the income or against the %alue o" assets*

(2) he pro%isions shall #e distinctl$ indicated under separate heads o" accounts separatel$"or housing and non@housing "inance #usiness and indi%iduall$ "or each t$pe o" assets asunder@

(1) pro%isions "or su#@standard, #ad and dou#t"ul and loss assets< and

(2) pro%isions "or depreciation in in%estments

(3) :uch pro%isions shall not #e appropriated "rom the general pro%isions and loss reser%esheld, i" an$, #$ the housing "inance compan$*

(4) :uch pro%ision "or each $ear shall #e de#ited to the pro"it and loss account* he e+cess o"pro%isions, i" an$, held under the heads general pro%isions and loss reser%es ma$ #e written

#ack without making adustment against them*

(5) A%er$ housing "inance compan$ shall, separatel$ disclose, in the GNotes on (ccounts tothe Balance :heet in its ne+t (nnual )eport,

(1) the details o" the le%$ o" penalt$, i" an$, imposed on the housing "inance compan$ #$the National Housing Bank< and

16nserted #$ NHB*HFC*D6)*'CD'2011 dated


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(ugust , 2011 pu#lished in the 3a4ette o" 6ndia, =art 666 :ection ; dated (ugust 2/, 2011*


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(2) ad%erse comments, i" an$, on the housing "inance compan$ made in writing #$ theNational Housing #ank on regulator$ compliances, with a speci"ic communication to

the housing "inance compan$ to disclose the same to the pu#lic*

'e?uiremen as o Capia. A/e?uac1

3#* 1! A%er$ housing "inance compan$ shall, maintain a minimum capital ratio consisting o"

ier@6 and ier@66 capital which shall not #e less than@

(1) ten percent on or #e"ore arch 1, 2001< and

(2) twel%e percent @on or #e"ore arch 1, 2002 and therea"ter*o" its aggregate risk weighted assets and o" risk adusted %alue o" o""@#alance sheet items*

2! he total ier@66 capital, at an$ point o" time, shall not e+ceed one hundred percent o"

ier@6 capital*

A+planations

3n balance sheet assets1! 6n these Directions, degree o" credit risk e+pressed as percentage weightages ha%e #een

assigned to #alance sheet assets* Hence, the %alue o" each asset'item re&uires to #e multiplied

#$ the rele%ant risk weights to arri%e at risk adusted %alue o" assets* he aggregate shall #e

taken in to account "or reckoning the minimum capital ratio* he risk weighted asset shall #e

calculated as the weighted aggregate o" "unded items as detailed hereunder

5eighted ris6 assets ) 3n balance +heet items " 5eight

1! Cash and #ank #alances including "i+ed deposits and 0

certi"icates o" deposits with #anks

(2) 6n%estmentsa! (ppro%ed securities as de"ined in the National Housing 0

Bank (ct, 1-./#! Bonds o" pu#lic sector #anks and "i+ed 20

deposits'certi"icates o" deposits'#onds o" pu#lic "inancialinstitutions

c! 5nits o" 5nit rust o" 6ndia 20d! ortgage #acked securit$, receipt or other securit$ 0

e%idencing the purchase or ac&uisition #$ a housing"inance compan$ o" an undi%ided right, title or interest inan$ de#t or recei%a#le originated #$ a housing "inancecompan$ recognised and super%ised #$ National HousingBank or a scheduled commercial #ank and secured #$mortgage o" residential immo%a#le propert$, pro%ided the

conditions speci"ied #elow in Note ;! are "ul"illed*

e! :hares o" all companies and de#entures'#onds' commercial 100papers o" companies other than in #! a#o%e'units o" mutual"unds other than in c! a#o%e*

"! HFCs in%estments in inno%ati%e perpetual de#t o" other 100

HFCs' #anks' "inancial institutions*

,! a! Housing' =roect oans guaranteed #$ Central' :tate 03o%ernments*

Noe Where guarantee has #een in%oked and theconcerned 3o%ernment has remained in de"ault "or a


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period o" more than -0 da$s a"ter the in%ocation o" the


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guarantee, a risk weight o" 100O should #e assigned*

2) #!i! Housing loans sanctioned to indi%iduals up to )s* 0lakhs secured #$ mortgage o" immo%a#le propert$, which 0are classi"ied as standard assets with 7 )atio is R or S/O#!ii! 4ousing loans sanctione! to in!i"i!uals a'o"e

/50 lah 'ut 'elo# Rs. 76 lah secure! 'y mortgage ofimmo"ea'le property #hich are classifie! as stan!ar!assets #ith LTV ratio is or 8 76!iii! 4ousing loans sanctione! to in!i"i!uals upto Rs. 76

100lah secure! 'y mortgage of immo"ea'le property#hich are classifie! as stan!ar! assets #ith LTV ratiois 9 76!i%! 4ousing loans of Rs. 76 lah an! a'o"e sanctione!

12to in!i"i!uals irrespecti"e of LTV ratio secure! 'ymortgage of immo"ea'le property #hich are classifie! asstan!ar! assets#!%! Loans gi"en for the purpose of insurance of the +ame asproperty ,'orro#er in case of in!i"i!ual housing loans applica'le

to therespecti"ehousing

2 ther housing loans

loan. *

c! 100

Noe Housing loans re"erred to in item #! and c! a#o%e aree+cluding an$ portion o" such housing loans guaranteed #$a mortgage guarantee compan$ registered with the )eser%eBank o" 6ndia in accordance with the )eser%e Bank o"

6ndia 3uidelines "or ortgage 3uarantee Companies*

Ca! (n$ portion o" housing loans re"erred to in item #! and c!o" su#@e+planation ! guaranteed #$ mortgage guarantee

compan$ registered with the )eser%e Bank o" 6ndia, the

risk weight assets "or such guaranteed portion shall #e

calculated as O weight mentioned against the rating o" the

mortgage guarantee compan$ as #elow

1:u#stituted #$ NHB*HFC*D6)*2'CD'2010 dated Decem#er 2;, 2010, pu#lished in the 3a4ette o" 6ndia,

=art 666 :ection ; dated Januar$ 1, 2011* =rior to its su#stitution, item co!e an! ris #eight gi"en in the:n;alance +heet assets at item (5) (')(ii) (iii) rea! as un!er5& (n$ #alance sheets, returns or in"ormation re&uired to #e su#mitted or "urnished to the

National Housing Bank in pursuance o" these Directions shall #e su#mitted or "urnished to

the o""ice o" National Housing Bank at New Delhi*

+empions

>6& he National Housing Bank ma$, i" it considers it necessar$ "or a%oiding an$ hardship or

"or an$ other ust and su""icient reason, grant e+tensions o" time to compl$ with or e+empt

an$ housing "inance compan$ or class o" housing "inance companies, "rom all or an$ o" the

pro%isions o" these Directions either generall$ or "or an$ speci"ied period su#ect to such

conditions as the National Housing Bank ma$ impose*Inerpreaions

>7& For the purpose o" gi%ing e""ect to the pro%isions o" these directions, the National

Housing Bank ma$, i" it considers necessar$, issue necessar$ clari"ications in respect o" an$

matter co%ered herein and the interpretation o" an$ pro%ision o" these directions gi%en #$ the

National Housing Bank shall #e "inal and #inding on all the parties concerned*

Sa


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punishment ma$ #e imposed as i" thoseDirections had not #een superseded*


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SCH+DUL+ I

:ee paragraph ;; o" the Housing Finance Companies NHB! Directions, 2010!

(nnual )eturn as on arch 1, VVVVVVV

('ea/ insrucions care%u..1 0e%ore %i..ing he reurn)

o #e "illed #$ National Housing BankNHB!

File No*

6D No*

Nature o" Business

District Code

:tate Code

1. Name o" the Compan$

6ncome a+ =(N

2. Full address o" the

i! )egistered ""ice VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV VVVVVVVVVVVVVVVVVVVVVVVVVVVVV =6N VVVVVV

elephone VVVVVVVVVVVVV Fa+VVVVVVVVVVVV e@mail VVVVVVVVVVV

ele+ VVVVVVVVVVVVVVVVVVV elegraphic address VVVVVVVVVVVVV

ii! Head'(dministrati%e ""iceVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV

VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV

VVVVVVVVVVVVVVVVVVVVVVVVVV=6NVVVVVVVVVV

elephone VVVVVVVVVVVVV Fa+VVVVVVVVVVVV e@mail VVVVVVVVVVV

ele+ VVVVVVVVVVVVVVVVVVV elegraphic address VVVVVVVVVVVVV

,* Whether a 3o%ernment Compan$ Xes'No

;* :tate'5nion erritor$ in which the compan$ is registered

* :tatus U i! =u#lic td* J K ii! Deemed =u#lic Compan$ J K

iii! =ri%ate td* K i%! Branch o" a Foreign compan$ K

D D X X X X

>* Date o" i! 6ncorporation K K K K K K K K

ii! Commencement o" #usiness K K K K K K K K

iii! Financial $ear o" the compan$ K K K K K K K K

/* i!=rincipal o#ect o" the compan$ as mentioned in its emorandum o"

(ssociation

ii!=rincipal #usiness transacted #$ the compan$ during the $ear under

reporting

iii!ther #usiness transacted #$ the compan$ during the $ear under

reporting

.*ther #usiness transacted #$ the compan$ during the $ear under Xes'No

reporting


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6" $es, gi%e the date o" application and i" alread$ registered, gi%e the)egistration no* allotted #$ the National Housing Bank

-*No*o" #ranches'o""icesY

10* otal num#er o" emplo$ees i! Full time

ii! =art timeiii! Honorar$ #asis

11* Whether shares o" the compan$ are listed on stock e+change's Xes'No

6" $es "urnish the name's o" the stock e+change's

12* Whether the Hal"@$earl$ )eturn on prudential norms as on the date o" Xes'Nothis return has #een su#mitted to the NHB* 6" $es, gi%e the date o"

"urnishing the return

1* a! Whether the compan$ at the #eginning o" the "inancial $ear to Xes'Nowhich the return pertains, was holding an$ credit rating's "or its "i+ed

deposits Z

6" $es, gi%e the "ollowing details

i! Name o" the rating agenc$ ii! )ating awarded #$ such agenc$

iii! Date o" such rating and its %alidit$ period

#! Whether the compan$ during the "inancial $ear to which the return pertains o#tained an$ Xes'No

credit rating's "or its "i+ed deposits Z


i! Name o" the rating agenc$

ii! )ating awarded #$ such agenc$


6 Whether during the "inancial $ear to which the return pertains, there was an$ change in the Xes'No

credit rating's mentioned in a! or #! a#o%eZ


i! Name o" the rating agenc$

ii! )ating awarded #$ such agenc$


i%! )easons "or %ariation in credit rating, i" an$

1;* Whether a holding compan$ or a su#sidiar$ [

1*Whether the compan$ is a oint %enture Xes'No

1>* Name's and address'es o" the compan$s VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV

promoters' promoting institutions and VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV

the shareholding pattern VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV

Anclose separate sheet, i" necessar$K

1/*a! Name's and address'es VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV

o" the compan$s auditors VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV



elephoneVVVVVVVVVVVV Fa+ VVVVVVVVVVVVV


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No* o" $ears "or which the same partner'proprietor is auditing the accounts o" the compan$ VVVVVVVVVVVVVVVVVVVVVVVV

1.* Name's and address'es VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV

o" the compan$s #ankers VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV

Anclose separate sheet, VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVi" necessar$K VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV

1-*Name's and address'es VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV

o" the present directors VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV

Anclose separate sheet, VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV

i" necessar$K VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV

20* Whether the compan$ has created a reser%e "und in terms o" :ection 2-C o" the National Xes'NoHousing Bank (ct, 1-./

6" $es, gi%e the "ollowing details o" such reser%e "und "or the "inancial $ear to which the return pertains

i! (mount outstanding at the #eginning o" the $ear ii! (mount trans"erred to the "und during the $ear

iii! Whether an$ amount was appropriated "rom the reser%e "und during the $ear Xes'No

6" $es, a! the amount appropriated

#! purpose o" appropriation

6 date o" reporting the appropriation to NHB

i%! (mount outstanding as on the date o" this return

21.Name o% he Chie% +ecui


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*f it is a place other than the egistered 3ffice- < 'ic6 the box which is applicable-


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= % list showing the names and addresses of the places where the branches8offices of the company are situated should beenclosed-> *f it is a subsidiary, the name of the holding company may be indicated-

*A'T E $

(A)

*aricu.ars o% *u0.ic Deposis Ousan/ing as on arch 3$!

(mount in lakhs o" !

Iem No& *aricu.ars Iem Co/e No& o% Accouns Amoun

1 2 ;

1* Deposits "rom pu#lic in the "orm o" "i+ed deposits, 111

recurring deposits, etc*

2* i! Deposits recei%ed #$ a pu#lic compan$ "rom its 112

shareholders

ii! Deposits recei%ed #$ a pri%ate limitedcompan$ "rom oint shareholders other than the

11,"irst named shareholder

,* one$ recei%ed #$ issue o" non@con%erti#le 11;

unsecured de#entures :ee instruction no* 1!

;* otal 1U2U! 110

0* (n$ other deposits not included in part 2 o" the 120

:chedule

>* otal ;U! 1,0

/* " the total deposits at item > a#o%e, those

i! )epa$a#le on demand or on notice 1;1

ii! For a period less than 12 months* 1;2

iii! For a period o" 12 months or more #ut less 1;,

than 2; months*

i%! For a period o" 2; months or more #ut less 1;;than ;. months*2; months or more #ut less than

;. months*

%! For a period o" ;. months or more #ut less than 1;

>0 months*

%i! For a period o" >0 months 1;>

%ii! For a period more than >0 months #ut less 1;/

than .; months

%iii! For a period o" .; months* 1;.

i+! For a period more than .; months 1;-

.* otal /i! to i+!K should tall$ with > a#o%e 1;0

-* " the total deposits at item > a#o%e, those "ree o"

interest and #earing interest e+cluding #rokerage,

i" an$ F


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)ate o" interest percent per annum!

i! Free o" interest 11

ii! Below >O 12

iii!>O or more #ut less than -O 1

i%!-O or more #ut less than 11O 1;%!11O or more #ut less than 12*O 1

%i! (t 12*O 1>

%ii! ore than 12*O #ut less than 1;O 1/

%iii! ore than 1;O 1.

10* otal -i! to %iii!K should tall$ with item > a#o%e 10

11* Break@up o" deposits at item > a#o%e according to

the si4e o" deposits

i! upto Rs,000 1>1

ii! Rs,001 to Rs10,000 1>2

iii! Rs10,001 to Rs2,000 1>i%! Rs2,001 to Rs0,000 1>;

%! Rs0,001 to Rs100,000 1>

%i! %er Rs100,000 1>>

12* otal 11i! to %i!K should tall$ with item > a#o%e 1>0

1* " the total deposits at i tem > a#o%e

i! those which ha%e matured #ut not claimed 1/1

ii!those which ha%e matured and claimed #ut not 1/2

paid

1;* " the deposits o" the t$pe at item ; a#o%e

i! deposits outstanding at the #eginning o" the 1.1

$ear

ii!deposits accepted'renewed during the $ear 1.2

iii!deposits repaid during the $ear 1.

i%!deposits outstanding at the end o" the $ear 1.;

1* " the deposits o" the t$pe at item a#o%e

i! deposits outstanding at the #eginning o" the 1-1

$ear

ii! deposits accepted'renewed during the $ear 1-2

iii! deposits repaid during the $ear 1-

i%! deposits outstanding at the end o" the $ear 1-;

1>* " the total deposits at item > a#o%e, deposits 1-

recei%ed "rom non@resident 6ndians


71/116

(B)

*aricu.ars o% Deposis o0i.ise/ @Iems $> (ii) an/ $5 (ii) o% *ar E $(A) During he 'eporing *erio/



1 2 , ;

1* " the total deposits at item no*1; ii! o" =art@ 111*11(!, those i! )epa$a#le on demand or on

notice

ii! For a period less than 12 months* 112*1

iii! For a period o" 12 months or more #ut less 11,*1

than 2; months

i%! For a period o" 2; months or more #ut less 11;*1

than ;. months

%! For a period o" ;. months or more #ut less 11*1

than >0 months%i! For a period o" >0 months 11>*1

%ii! For a period more than >0 months #ut less 11/*1

than .; months

%iii! For a period o" .; months* 11.*1

i+! For a period more than .; months 11-*1

2* otal 1 i! to i+!K should tall$ with 1; ii! o" 110*1

=art@1(!

=art@1(!

* " the total deposits at item no* 1 ii! o" =art @

1(!

i! )epa$a#le on demand or on notice 121*1

ii! For a period less than 12 months 122*1

iii! For a period o" 12 months or more #ut less 12,*1

than 2; months

i%! For a period o" 2; months or more #ut less 12;*1

than ;. months

%! For a period o" ;. months or more #ut less 12*1

than >0 months*

%i! For a period o" >0 months 12>*1

%ii! For a period more than >0 months #ut less 12/*1

than .; months

%iii! For a period o" .; months 12.*1

i+! For a period more than .; months 12-*1

;* otal i! to i+!K should tall$ with 1 ii! o" 120*1

=art@1(!

* " the total deposits at item 1; ii! o" =art@1(!,those "ree o" interest and #earing interest

e+cluding #rokerage, i" an$! F )ate o" interest

O per annum!


72/116

i! Free o" interest 11*1

ii! Below >O 12*1

iii! >O or more #ut less than -O 1*1

i%! -O or more #ut less than 11O 1;*1

%! 11O more #ut less than 12*O 1*1

%i! (t 12* O 1>*1%ii! ore than 12* O #ut less than 1;O 1/*1

%iii! ore than 1;O 1.*1

>* otal i! to %iii!K should tall$ with 1; ii! o" 10*1

=art@1(!

/* " the total deposits at item 1 ii! o" =art@1(!,those "ree o" interest and #earing interest

e+cluding #rokerage, i" an$! F )ate o" interest

O per annum!

i! Free o" interest 1;1*1

ii! Below >O 1;2*1

iii! >O or more #ut less than -O 1;*1

i%! -O or more #ut less than 11O 1;;*1

%! 11O more #ut less than 12*O 1;*1

%i! (t 12* O 1;>*1

%ii! ore than 12* O #ut less than 1;O 1;/*1

%iii! ore than 1;O 1;.*1

.* otal / i! to %iii!K should tall$ with 1 ii! o" 1;0*1

=art@1(!

-* a! (mount o" #rokerage paid 11*1

#! A+penses reim#ursed to #rokers 12*1

c! (mount o" deposits mo#ilised #$ pa$ment o" 1*1

#rokerage

F% statement showing the rates of interest offered as also the rates of bro6erage paid on different types of deposits

according totheir periods i-e- exceeding ?@ months, @A months, BC months etc- should also be submitted along with this

part of the return-

Details should be furnished separately-

*ar,$ I

'egion,=ise 0rea; up o% *u0.ic Deposis he./ as on arch 3$

!Rs*n a6hs#

egion=

7o- of accounts %mount

7orthern

Eastern

&entral


73/116

5estern

+outhern

Total

= egion details

7orthern egion( &handigharh, Delhi, 0aryana, 0imachal Pradesh, ammu . ashmir, Punjab . ajasthan

&entral egion ( &hhattisgharh, Fadhya Pradesh, Gttar Pradesh . Gttaranchal

5estern egion( Dadra . 7agar 0aveli, Daman . Diu, Hoa, Hujrat . Faharashtra

Eastern egion( %ndaman . 7icobar *slands, %runachal Pradesh, %ssam, 4ihar, ar6hand, Fanipur, Feghalaya, FiIoram,

7agaland, 3rissa, +i66im, 'ripura . 5est 4engal

+outhern egion( %ndhra Pradesh, arnata6a, erala, a6shadweep, Pondicherry . 'amil 7adu

*u0.ic Deposis

*A'T E "

*aricu.ars o% Borro=ings an/ o% Deposis no Inc.u/e/ in *u0.ic Deposis as on

arch 3$! FFFFFF

(mount in lakhs o" Rs!


1 2 ;

1* one$ recei%ed "rom the Central or :tate 2213o%ernments! or mone$ recei%ed "rom others, the

repa$ment o" which is guaranteed #$ the Central or:tate 3o%ernment s! or mone$ recei%ed "rom a local

authorit$*

2* one$ recei%ed "rom @a! Foreign 3o%ernment 222

#! Foreign (uthorit$ 22

6 Foreign Citi4en or person 22;

otal a!U#!Uc!K 22

* Borrowings "rom National Housing Bank 22>

; Borrowings "rom @

a! #anks 22/

#!other "inancial institutions speci"ied in the Directions 22.

* one$ recei%ed "rom an$ other compan$ 22-

>* one$ recei%ed "rom directors'relati%es o" directors 20

/* one$ recei%ed #$ a pri%ate compan$ "rom its 21shareholders in case o" oint shareholders, mone$recei%ed "rom the "irst named shareholder onl$ to #e

included!

.* one$ recei%ed "rom emplo$ees o" the compan$ #$ 22

wa$ o" securit$ deposit*

-* one$ recei%ed #$ wa$ o" securit$ or ad%ance "rom

purchasing, selling or other agents in the course o"


74/116


75/116

/* ther intangi#le assets 2

.* otal 21 to 2! 20

-* wned Funds 10@20! 0

10* Book %alue o" in%estment in shares o"

a! :u#sidiaries ;1

#! Companies in the same group ;2c! ther housing "inance institutions which are companies* Details ;

to #e "urnished in separate (nne+ure!

11 Book %alue o" in%estments in de#entures and #onds o"

a! :u#sidiaries ;;

#! Companies in the same group ;

12* utstanding loans and ad%ances including hire purchase and lease

"inance! to and deposits with

a! :u#sidiaries ;>

#! Companies in the same group Details to #e "urnished in separate ;/

(nne+ure!

1,* otal ;1 to ;/! ;0

1;* (mount o" item ;0 in e+cess o" 10O o" item 0 a#o%e 0

1* Net owned "unds 0 E 0! 00

*A'T E >

Saemen sho=ing ousan/ing .oans an/ a/

otal housing loans 1 i! to iii!K]

;10

2* ther loans I ad%ances

1:u#stituted #$ NHB*HFC*D6)*;'CD'2012 dated 1-

thJanuar$, 2012pu#lished in the 3a4ette o" 6ndia, =art 666@ :ec*; dated 1.

th

Fe#ruar$, 2012*


76/116

i! Companies in the same group ;21

ii! Companies not in the same group ;22

iii! Directors ;2

i%! :hareholders ;2;

%! Chie" A+ecuti%e ""icer and other emplo$ees ;2%i! =urchasing, selling and other agents ;2>

%ii! Depositors ;2/

%iii! thers ;2.

otal 2 i! to %iii!K ;20

3rand otal ;10 U ;20! ;0

*A'T E >&$

$@Saemen o% Housing Loans o In/i$$ o% *ar,>)

(A)

Dis0ursemens /uring he %inancia. -ear

@For ac?uisiion consrucion o% ne= houses

(Amoun in .a;hs o% )

Caegor1siJe o% Iem Ur0an 'ura. Toa. O% hich o 'epai/ Ousa Gross

housing .oans ( ) Co/e /uring n/ing Non,

he as on per%ormi

1ear arch ng Asses

3$! as onarch

3$!

Sch&Case Sch&Tri0e

No& Am No& Am No& Am No& Am No& Am

$ " 3 > 5 6 7 8 9 $# $$ $" $3 $> $5

upo "!##!### >5$

A0o


77/116

dated 1.th

Fe#ruar$, 2012*

A0o53

upo $#!##!###

A0o5>

an/ upo$5!##!###

A0o55

an/ upo

"5!##!###

A0o 5 6 7 8 9 $# $$ $" $3 $> $5

upo "!##!### >6$

A0o

an/ upo $5!##!###

A0o65

an/ upo "5!##!###

A0o


78/116

I


79/116

Dis0ursemens /uring he %inancia. -ear

@For purchase o% o./eising houses ('esa.e)

(Amoun in .a;hs o% 's)

Caegor1siJe o% Iem Ur0an 'ura. Toa. O% hich o 'epai Ousa Gross Non,housing .oans ( ) Co/e / n/ing per%orming

/uring as on Asses as

he arch on arch

1ear 3$! 3$!

Sch&Case Sch&Tri0e

N#& Am No& Am No& Am No& Am No& Am

$ " 3 > 5 6 7 8 9 $# $$ $" $3 $> $5

upo "!##!###

>7$

A0o

an/ upo $5!##!###

A0o75

an/ upo "5!##!###

A0o 5 6 7 8 9 $# $$ $" $3 $> $5 $6 $7 $8

An/hra


80/116

*ra/esh "8

Arunacha.

*ra/esh $"

Assam $8

Bihar $#

Chhaisgar

h ""

De.hi #7

Goa 3#

Guara ">

Har1ana #6

Himacha.

*ra/esh #"

4ammu an/

Kashmir #$

4har;han/ "#

Karnaa;a "9

Kera.a 3"

a/h1a

*ra/esh "3

aharashr

a "7

anipur $>

egha.a1a $7

iJoram $5

Naga.an/ $3

O/isha "$

*una0 #3

'aashan #8

Si;;im $$

Tami. Na/u 33

Tripura $6

Uara;han

/ #5

Uar

*ra/esh #9

es

Benga. $9

S5#

Su0 Toa. (>9#&$)

Union Terrior1

Chan/igarh #>

*u/ucherr1 3>

Da/ra an/

Nagar

Ha


81/116


82/116

La;sha/=ee

p 3$

An/aman

an/ Nico0ar

Is.an/s 35

UT $#

Su0 Toa. (>9#&")

Gran/

Toa.MM >9#

(>9#&$>9#&")

**Note: Please note that the Grand Total (item code 4"0) of Column 18 should be equal to temCode 411 of Part 4!

(+)

Dis0ursemens /uring he Financia. -ear

Saemen o% Housing Loans o Bui./ers: (Iem Co/e >$5 o% *ar,>)

@Sae,=ise in%ormaion o% housing proecs o 0ui./ers

'epai/ Ousan/ing as

Dis0ursemen/uring he on arch 3$!

1ear FF (in crores) (in crores)

SaeUnion

Terrior1Iem Co/e

A0o


83/116

Guara ">

Har1ana #6

Himacha.

*ra/esh #"

4ammu an/

Kashmir #$

4har;han/ "#

Karnaa;a "9

Kera.a 3"a/h1a

*ra/esh "3

aharashr

a "7

anipur $>

egha.a1a $7

iJoram $5

Naga.an/ $3

O/isha "$

*una0 #3

'aashan #8

Si;;im $$

Tami. Na/u 33

Tripura $6

Uara;han

/ #5

Uar

*ra/esh #9

es

Benga. $9

S5#(>95&

Su0 Toa. $)

Union Terrior1

Chan/igarh #>

*u/ucherr1 3>

Da/ra an/

Nagar

Ha95&")

Gran/

Toa.MMM >95(>95&$>95&

")

MMM Noe *.ease noe ha he Gran/ Toa. (iem co/e >95) o% Co.umn $6 shou./ 0e e?ua. o Iem Co/e >$5 o% *ar >&

*A'T E >&"

Term ise Brea; up o% Housing Loans (Iem Co/e >$# o% *ar E >)



84/116

Term o% he .oan Housing .oans o in/i


85/116

(#o%e $ears I upto $ears

(#o%e $ears I upto / $ears

(#o%e / $ears


86/116

*ar >&3


$@Saemen o% housing .oan o 0orro=er upo 's 5 .a;hs

SiJe o% Iem Income o% he 0orro=er (in 's ) Toa. 'epai/ Ousan/ing as oHousing Co/e /uring he arch 3$F

Loan Upo 's 5### 's 5##$,$#### 's $###$ an/ 1ear

p&m& p&m& a0o / . -R, to . 10 11

5pto 's1 ;->*1

lakh

(#o%e 's1 ;->*2

lakh and

upto 's2

lakh

(#o%e 's2 ;->*

lakh and

upto 's

lakh

(#o%e 's ;->*;

lakh and

upto 's;

lakh

(#o%e 's; ;->*

lakh and

upto 's

lakhotal >96

;->*1@

;->*!

1:u#stituted #$ NHB*HFC*D6)*;'CD'2012 dated 1-

thJanuar$, 2012 pu#lished in the 3a4ette o" 6ndia, =art 666@ :ec*;

dated 1.th

Fe#ruar$, 2012*
http://var/www/apps/conversion/tmp/scratch_1/HYPERLINK%23page53http://var/www/apps/conversion/tmp/scratch_1/HYPERLINK%23page53http://var/www/apps/conversion/tmp/scratch_1/HYPERLINK%23page53http://var/www/apps/conversion/tmp/scratch_1/HYPERLINK%23page53


87/116

*A'T >&>


Saemen sho=ing /eai.s o% area o% he /=e..ing unis %inance/ on housing .oan upo 's 5 .a;hs

SiJe o% Iem Area o% he Unis (in s? m) Toa. 'epai/ /uring he Ousan/ing as

Housing Co/e -ear arch 3$Loan

Upo "5 s? "5 s? m o 5# s? m o 75 A0o / . - 10 11R to 10 12 1,

5pto 's1 ,1

lakh

(#o%e 's1 ,2lakh and

upto 's2lakh(#o%e 's2 ,,lakh and

upto 's

lakh

(#o%e 's ,;lakh and

upto 's;

lakh

(#o%e 's; ,lakh andupto 's

lakh

otal 1@ 53#

!

*A'T >&5

Conso.i/ae/ Saemen on Toa. Housing Loan Dis0ursemen /uring he Financia. -ear

(mount in akhs o" 6!

Iem No& *aricu.ars Amoun

1 Housing oan to 6ndi%iduals

2 Housing oan to Builders

, Housing oan to Corporate Bodies and thers

; 3rand otal


88/116

*A'T E 5

Saemen Sho=ing In


89/116

!i# /inancial


90/116

(2) Employees

(3)3ther

administrative &- Tax

proisions

D-!et profit

E- Total Assets

^ "inancial #atios!as percent of total assets#

(1) Income

(2) /und based income

(3)/ee based income

(4)Expenditure

(5) /inancial Expenditure

(6)3perating Expenditure

(7) 3ther provisions

(8) 'ax provisions

(9)7et profit

Ceri%icae

anagers' anaging Directors' (uthorised ""icials Certi"icate

1. Certi"ied that the directions contained in the Housing Finance Companies NHB! Directions, 2010 are #eing

complied with

2.Further certi"ied that the particulars'in"ormation "urnished in this return ha%e #een %eri"ied and "ound to #e correct

and complete in all respects*

Date :ignature o" anager'anaging

=lace Director'(uthorised ""icial

Name

Designation

:trike o"" whiche%er is not applica#le*

Au/ior:s 'epor

We ha%e e+amined the #ooks o" account and other records maintained #$ VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV in

respect o" the data "urnished in this return and report that to the #est o" our knowledge and according to the


91/116

in"ormation and e+planations gi%en to us and shown #$ the records e+amined #$ us, the data "urnished in this return

are correct*

=lace


92/116

Date Chartered (ccountants

+nc.osures o he reurn

he "ollowing documents should #e su#mitted along with the return in case the$ ha%e not alread$ #een sent* =lease

tick in the #o+ against the item "or the document enclosed and state the date o" su#mission i" alread$ su#mitted

1! ( cop$ o" the audited #alance sheet and pro"it and loss account dated

nearest to the date o" this return

2! :pecimen signature card =lease see instruction no* !

! ( cop$ o" the application "orm re"erred to in paragraph > o" the Housing

Finance Companies NHB! Directions, 2010

;! ( list o" principal o""icers and the names and

addresses o" directors

! (uditors certi"icate as re&uired in paragraph ; o" the Directions

Insrucions %or Fi..ing an/ Su0mission o% he 'eurn

Genera.

1*he return a"ter compilation, should #e su#mitted #$ a housing "inance compan$ once a $ear as earl$ as possi#le

a"ter arch 1 and latest 01 4une 3#with re"erence to its position as on arch 1 irrespecti%e o" the date o" closing

o" the "inancial $ear o" the compan$, to the Head o""ice o" the National Housing Bank, New Delhi as speci"ied in

paragraph ; o" the Housing Finance Companies NHB! Directions, 2010* ( certi"icate "rom the auditors o" the

compan$ as re&uired in terms o" paragraph ; o" the Noti"ication should #e appended to the return*

2*he su#mission o" the return should not #e dela$ed "or an$ reason such as the /ecogni4ed/n' completion o" the

audit o" the annual accounts* he compilation o" the return should #e on the #asis o" the "igures a%aila#le in the

#ooks o" accounts o" the compan$*

*he return where%er possi#le should #e sent in a CD' D7D' =en Dri%e together with a hard cop$ dul$ signed*

;*he num#er o" accounts should #e gi%en in actual "igures while the amounts should #e gi%en in lakhs o" 6 rounded

o"" to two decimal positions*

*he return should #e signed #$ the anageras de"ined in :ection 2 o" the Companies (ct, 1->! and i" there is nosuch anager, #$ the anaging Director or an$ o""icial o" the compan$ who has #een dul$ /ecogni4ed #$ the

Board o" Directors and whose specimen signature has #een "urnished to the National Housing Bank "or the purpose*

6n case the specimen signature has not #een "urnished in the prescri#ed card, the return ma$ #e signed #$ the

/ecogni4ed o""icial and his specimen signature ma$ #e "urnished separatel$*


93/116

>*(ll particulars asked "or in the :chedule should #e "illed up without lea%ing an$ part'item #lank* 6n case there is

nothing to report in an$ part'item o" the return, it should #e marked 8Nil9 and i" an$ part'item is not rele%ant or

applica#le, it should #e marked 8N(9*

/*he date to which the return pertains should in%aria#l$ #e "illed up in the "irst page as well as in all the parts o" the:chedule at the appropriate place*

.*8:u#sidiaries9 shall ha%e the same meaning as assigned to it in the Companies (ct, 1-> 1 o" 1->!*

-*( #od$ corporate shall #e deemed to #e in the same group as the in%esting compan$ i" the #od$ corporate is the

managing agent o" the in%esting compan$ or i" the #od$ corporate and the in%esting compan$ are under the same

management*

10*8:u#stantial interest9 means holding o" a #ene"icial interest #$ an indi%idual or his' her spouse or minor child,

whether singl$ or taken together, in the shares o" a compan$, the amount paid up on which e+ceeds ten per cent o"

the paid up capital o" the compan$ or total capital su#scri#ed #$ all the partners o" a partnership "irm*

*ar E $(A)

11.6" the compan$ is a pu#lic compan$ and a declaration as speci"ied in instruction no*1. has not #een o#tained

"rom its directors, such deposits should #e shown against item 2*

12.he amount in respect o" non@con%erti#le portion o" the de#entures which are partl$ con%erti#le and partl$ non@

con%erti#le, ma$ #e included under item and the con%erti#le portion ma$ #e shown against item 10 o" =art 2*

13.Non@con%erti#le unsecured de#entures su#scri#ed to #$ #anks and institutions mentioned under clauses iii! and

i%! o" :ection ; 6 ##! o" the )eser%e Bank o" 6ndia (ct, 1-; should not #e included under item * :uch amount

should #e included under item ; o" =art 2*

14.he period@wise classi"ication o" deposits should #e made against the %arious heads under item / according to

the periods "or which the$ ha%e #een originall$ recei%ed'last renewed and not according to the periods the$ ha%e run

as "rom arch 1 i*e* the date o" return*

15. 6n item 11, the num#er o" accounts and the amounts should #e calculated in respect o" each range o"deposits*

16.5nder item 1, i" the aggregate amount o" deposits not repaid e+ceeds lakhs, the reasons "or non@pa$ment o"

each deposit and the steps taken "or repa$ment should #e indicated in an (nne+ure*

17. he amounts shown in =art@2 should not #e included in this =art*


94/116

*ar E "

18.nl$ mone$ recei%ed "rom such persons on a declaration in writing that the mone$ has not #een gi%en #$ such

person's out o" "unds ac&uired #$ him'them #$ #orrowing or accepting deposits "rom another person should #e

shown against items > and /*

19.one$ recei%ed "rom the shareholders o" a pri%ate compan$ deemed as a pu#lic compan$ under section ;( o"

the Companies (ct, 1->, should also #e included under item / su#ect to the o#taining o" declaration re"erred to in

instruction no* 1. a#o%e*

20. he amounts alread$ shown in =art @1(! should not #e included here*

*ar ,3

21.Figures relating to net owned "unds should #e as per the audited #alance sheet pertaining to the date o" return* 6ncase auditing is not o%er, "igures should relate to the #ooks o" accounts "or the rele%ant period*

22.GFree reser%es shall include #alance in share premium account, capital and de#enture redemption reser%es and

an$ other reser%es shown in the #alance sheet and created through an allocation out o" pro"its #ut not #eing a! a

reser%e created "or repa$ment o" an$ "uture lia#ilit$ or "or depreciation on assets or "or #ad de#ts, or #! a reser%e

created #$ re%aluation o" assets o" the compan$*

23.6n%estment in shares includes in%estment in "ull$ con%erti#le de#entures and'or con%erti#le portion o" partiall$

con%erti#le de#entures* 6n%estments held either in in%estment account or stock@in@trade should #e included under

item 10*

24.De#entures whether held in in%estment account or #$ wa$ o" stock@in@trade should #e included under item 11*

Non@con%erti#le de#entures, non@con%erti#le portion o" partiall$ con%erti#le de#entures and optionall$ con%erti#le

de#entures should also #e included under this item*

25. Credit #alance in the pro"it and loss account should #e adusted #$ the actual pro%isions made "or N=(s*

*ar E >

26.:undr$ de#tors, ta+ paid in ad%ance and other reco%era#le items not in the nature o" loans and ad%ances shouldnot #e shown in this statement*

27.Fi+ed deposits with other companies should #e included under item 2i! or 2ii! as the case ma$ #e and not in

=art *

28. 6n%estment in un&uoted de#entures shall #e treated as credit and not in%estment*


95/116

*ar E 5

29.Details o" shares, de#entures and commercial papers held in in%estment account or #$ wa$ o" stock@in@trade

should #e included in this part*

30. Fi+ed deposits with companies should not #e included here #ut should #e shown in =art@;*

31.6n%estment in un&uoted de#entures shall #e treated as credit and not in%estment and should not #e included in

=art@*

SCH+DUL+ II

@See paragraph >>($) o% he Housing Finance Companies (NHB) Direcions! "#$#

Ha.%,-ear.1 'eurn as on arch 3$Sepem0er 3#!

!'o be submitted within C wee6s from close of the half year#

Name o" the HFC

Compan$ code num#er

)egistration num#er

*A'T,A Capia. Fun/s,Tier,I

2 %mount in Rsla6hsJ

Iem No& *A'TICULA'S Iem Co/e Amoun

1* =aid@up A&uit$ Capital 111

2* =re"erence shares which are compulsoril$ con%erti#le into 112

e&uit$

* Free reser%es

a! 3eneral )eser%es 11,

#! :hare premium 11;

6 Capital )eser%es representing surplus on 11

sale o" assets held in separate account!

d! De#enture redemption reser%e 11>

e! Capital redemption reser%e 11/

"! Credit #alance in = I account 11.

g! ther "ree reser%es to #e speci"ied! 11-

;* otal 111 to 11-! 110

* (ccumulated #alance o" loss 121

>* De"erred re%enue e+penditure 122


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/* ther intangi#le assets 12


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.* otal 121 to 12! 120

-* wned Funds 110@120! 10

10*

Book %alue o" in%estment inshares o"

a! :u#sidiaries 1;1

#! Companies in the samegroup 1;2c! ther housing "inanceinstitutions which arecompanies 1;

11*

Book %alue o" in%estmentsin de#entures and #ond o"

a! :u#sidiaries 1;;#! Companies in the samegroup 1;

12*

utstanding loans andad%ances to and deposits

with

a! :u#sidiaries 1;>#! Companies in the samegroup 1;/

1,* otal 1;1 to 1;/! 1;0

1;*

(mount o" item 1;0 ine+cess o" 10O o" item 10a#o%e 10

$5&

Tier I Capia. E Ne o=ne/

%un/s ($3# E $5#) $5$

*A'T,B,Capia. Fun/s,Tier, II

2%mount Rsin la6hsJIem Name Iem Co/e Amoun

1! 2! !

i! =re"erence shares other than those compulsoril$ 1>1

con%erti#le into e&uit$!

ii! )e%aluation )eser%es 1>2

iii! 3eneral pro%isions and loss reser%es 1>,

i%! H$#rid capital instruments 1>;

%! :u#ordinated de#t 1>

%i! (ggregate ier@66 Capital 1>0

otal Capital Funds 11U1>0! 1/0

*A'T C E 'is; Asses P O%%,Ba.ance Shee Iems

2%mount Rsin la6hsJ

Iems Iem co/e Amoun

i!(dusted %alue o" "unded risk assets, ie, on@#alance sheet items 1.1

o tall$ with =art D!

ii!(dusted %alue o" non@"unded and o""@#alance sheet items o 1.2


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tall$ with =art A!

iii!otal risk weighted assets'e+posurestotal i! U ii!K 1.0

i%!=ercentage o" capital "unds to risk weighted assets'e+posures

a! ier@6 capital 1-1

#! ier@66 capital 1-2

6 otal capital 1-,


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*A'T D E eighe/ asses! i&e&! on,0a.ance shee iems

J%mount s in la6hsJ

Iem /escripion Iem Boo; 'is; =eigh A/use/

co/e a.ue a.ue6*Cash and #ank #alances including "i+ed deposits I certi"icate 210 0

o" deposits

66* 6n%estments

a! (ppro%ed securities as de"ined in the National Housing Bank 221 0

(ct, 1-./

#! Bonds o" pu#lic sector #anks and FDs'CDs' #onds o" pu#lic

"inancial institutions

i! (mount deducted in item 1; in =art ( 222 0

ii! (mount not deducted in item 1; in =art ( 22, 20

6 5nit rust o" 6ndia 22; 20

d!:hares o" all companies and de#entures'#onds' commercialpapers o" companies other than #! a#o%e'units o" mutual "und

other than c! a#o%e


ii! (mount not deducted in item 1; in =art ( 22> 100

666* Current assets

a! :tock on hire see Note 2 #elow!

i! (mount deducted in item 1; in =art ( 2,1 0

ii! (mount not deducted in item 1; in =art ( 2,2 100

#! inter corporate loans 'deposits

i! (mount deducted in item 1; in =art ( 2,, 0

ii! (mount not deducted in item 1; in =art ( 2,; 1006 oans and ad%ances "ull$ secured #$ compan$s own deposits 2 i! 0

d!ortgage #acked securit$, receipt or other securit$ e%idencing 2,ii! 0the purchase or ac&uisition #$ a housing "inance compan$ o" anundi%ided right, title or interest in an$ de#t or recei%a#leoriginated #$ a housing "inance compan$ >2ecogni4ed andsuper%ised #$ National Housing Bank or a scheduled commercial#ank and secured #$ mortgage o" residential immo%a#lepropert$, pro%ided the conditions speci"ied #elow in Note ;! are

"ul"illed

e! oans to sta"" 2,> 0

"! i! Housing' =roect oans guaranteed #$ Central ':tate 2/i! 0

3o%ernment )e"er note ; #elow!"! ii! Housing loans sanctioned to indi%iduals up to 0 lakhs 2,/ii! 0secured #$ mortgage o" immo%a#le propert$, which are classi"ied

as standard assets where 7 )atio is R or S /O

"!iii! Housing loans sanctioned to indi%iduals a#o%e 0 lakh 2/iii! /#ut #elow / lakh secured #$ mortgage o" immo%ea#lepropert$ which are classi"ied as standard assets with 7 ratio is

R or S /O

"!i%! Housing loans sanctioned to indi%iduals a#o%e 0 lakh 2,/i%! 100


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#ut #elow / lakh secured #$ mortgage o" immo%ea#lepropert$ which are classi"ied as standard assets with 7 ratio is

R or T /O

"!%! Housing loans o" / lakh and a#o%e, sanctioned to 2/%! 12indi%iduals irrespecti%e o" 7 ratio, secured #$ mortgage o"

immo%ea#le propert$, which are classi"ied as standard assets

"!%i! oans gi%en "or the purpose o" insurance o" the propert$ ' 2,/%i! :ame as

#orrower in case o" indi%idual housing loansK1 applica#le tothe

respecti%e

housing loan

g! ther housing loans including those to indi%iduals #ut not 2,. 100

&uali"$ing under "!ga! (n$ portion o" housing loans re"erred to in item 666 "!ii! to"!i%! and g! guaranteed #$ mortgage guarantee compan$registered with the )eser%e Bank o" 6ndia, the risk weightedassets "or such guaranteed portion shall #e calculated as O

weight mentioned against the rating o" the mortgage guaranteecompan$ as #elow

ong term ratings o" the mortgage guarantee compan$ #$ theappro%ed credit rating agencies re"erred to in paragraph o" the

principal Directions

((( 2-i! 20

(( 2,-ii! ,0

Below (( or unratedK 2

2-iii! (s applica#leto

unguaranteed

portion

h! ther loans I ad%ances

i! (mount deducted in item 1; in =art ( 2;1 0

ii! (mount not deducted in item 1; in =art ( 2;2 100

i! Bills purchased'discounted

i! (mount deducted in item 1; in =art ( 2;, 0

ii! (mount not deducted in item 1; in =art ( 2;; 100

! thers to #e speci"ied! 2; 100

k! Fund #ased and non@"und #ased e+posures to commercial real 2;> 100

estates o""ice #uildings, retail space, multi@purpose commercial

1:u#stituted #$ NHB*HFC*D6)*2'CD'2010 dated Decem#er 2;, 2010, pu#lished in the 3a4ette o" 6ndia, =art 666 :ection ;

dated Januar$ 1, 2011*=rior to su#stitution, item code and risk weight gi%en in 666"!iii! Ii%! read as under

!f#!iii# 0ousing loans sanctioned to individuals above s BK la6hs @BL!iii# LMsecured by mortgage of immoveable property, which are classified

as standard assets where 'N atio is O or LM"!iv# 0ousing loans sanctioned to individuals, irrespective of the @BL!iv# ?KKamount, secured by mortgage of immovable property, which are

classified as standard assets, where 'N atio is Q LM"


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2*:u#stituted #$ NHB*HFC*D6)*'CD'2012 dated 2.

tha$,

2012, pu#lished in the 3a4ette o" 6ndia, =art 666 :ection ; datedJul$ /, 2012


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premises, multi@"amil$ residential #uildings, multi@tenantedcommercial premises, industrial or warehouse space, hotels, land

ac&uisition, de%elopment and construction, etc

l!6n%estments in ortgage Backed :ecurities B:! and other 2;/ 12

securitised e+posures #acked #$ e+posures as at k! a#o%e*

67* Fi+ed assets net o" depreciationK

a! (ssets leased out


ii! (mount not deducted in item 1; in =art ( 22 100

#! =remises 2 100

c! Furniture I Fi+tures 2; 100

7* ther assets

a! 6ncome ta+ deducted at source net o" pro%isions! 2 0

#! (d%ance ta+ paid net o" pro%isions! 2> 0

c! 6nterest due on 3o%ernment securities 2/ 0

d! thersto #e speci"ied! 2. 100

otal weighted assets 200

Notes

1.Netting ma$ #e done in respect o" assets where pro%isions "or depreciation or "or #ad and dou#t"ul de#ts ha%e

#een made*

2.:tock on hire should #e shown net o" "inance charges, i*e*, interest and other charges reco%era#le*

3. (ssets which ha%e #een deducted item code10! "rom owned "und to arri%e at net owned "und will ha%e a

weightage o" G0

4.Where guarantee has #een in%oked and the concerned go%ernment has remain in de"ault "or a period more than -0

da$s a"ter the in%ocation o" guarantee, a risk weight o" 100 percent should #e assigned*

* Housing loans re"erred to in item 666"!ii! to "!i%! and g! are e+cluding an$ portion o" such housing loan

guaranteed #$ a mortgage guarantee compan$ registered with the )eser%e Bank o" 6ndia*K1

*A'T , + ,eighe/ non,%un/e/ eposureso%%,0a.ance shee iems

2%mount in la6hsJ

16nserted #$ NHB*HFC*D6)*'CD'2012 dated 2.

tha$, 2012, pu#lished in the 3a4ette o" 6ndia, =art 666 :ection ; dated Jul$

/, 2012


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Iem /escripion Iem Boo; Con*ease contracts entered in to #ut $et to #e ,>0 100 100

e+ecuted

/* ther contingent lia#ilities to #e ,/0 0 100

speci"ied!

otal non@"unded e+posures ,00

7ote( &ash margin8deposits shall be deducted before applying the conversion factor where ever applicable-

*A'T, F , Asse c.assi%icaion

Aggregae o% cre/i eposures an/ pro


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ii! Depreciation in in%estments ;2

iii! oss'intangi#le assets ;

i%! =ro%ision "or ta+ation ;;

%! 3ratuit$ 'pro%ident "und ;

%i! thers to #e speci"ied! ;>

otal ;0

*A'T G , *aricu.ars regar/ing in


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!@# *nvestment in debentures for this purpose shall be treated as credit and not investment-

*A'T I , *aricu.ars regar/ing in


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Ceri%icae

Certi"ied that

(1)the data'in"ormation "urnished in this statement are in accordance with the Housing Finance Companies NHB!Directions, 2010* he statement has #een compiled "rom the #ooks o" account and other records o" the compan$ and

to the #est o" m$ knowledge and #elie" the$ are correct

details to #e "urnished as per (nne+ ;K

Toa. ($"3 o $"6) $"#

;* a!Name o" the designated #ank and address where the securities are

lodged details to #e "urnished as per (nne+ !

#! (mount o" securities lodged


111/116

i! Book 7alue 12>

ii! arket 7alue 12/

6ndicate whether the compan$ has maintained the re&uired le%el o" Xesli&uid assets on a dail$ #asis during the &uarter

No(* in unencum#ered appro%ed securities please tick!

B* on total #asis i*e* in%estment in unencum#ered appro%ed securities Xes

together with other speci"ied "orms o" li&uid assets! please tick!No

6" not, indicate the date wise position o" the short"all during the

&uarter as per (nne+ure K

* a!Whether the re&uirement o" :) was complied with during the last Xes

&uarterZ please tick!No

#!6" not, whether demand "or penal interest was made #$ NHBZ Xes

please tick!No

c! 6" $es,

i! amount 12.

ii! date o" pa$ment thereo" 12-

*ar B

In%ormaion regar/ing comp.iance o% he Housing Finance Companies (NHB) Direcions! "#$#

! in la6hs#

1* Net owned "und as per the last audited #alance sheet o" the 11

compan$!

2* Capital (de&uac$ )atio as per the last audited #alance sheet 12

o" the compan$!

* Cre/i raing

i! )ating assigned 1

ii! Date o" rating 1;

iii! Name o" the )ating (genc$ 1

i%! Whether an$ change has occurred since the last rating 1>

=lease "urnish details separatel$!

;* =u#lic deposits outstanding as at the close o" #usiness on the 1/date o" commencement o" the Housing Finance

CompaniesNHB! Directions, 2010

* Quantum o" e+cess pu#lic deposits held, i" an$, #$ the 1.compan$ as on the date o" commencement o" the Housing

Finance Companies NHB! Directions, 2010>* =u#lic Deposits outstanding as on date o" this return i*e* last 1-

working da$ o" the &uarter to which this return relates!

/* Quantum o" pu#lic deposits permissi#le as per the pro%isions 1;0o" the Housing Finance Companies NHB! Directions, 2010

as on date o" this return

.* Quantum o" e+cess pu#lic deposits remaining to #e 1;1

regularised on the date o" this return


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-* Deposits accepted during the &uarter under re"erence 1;2

10* Deposits renewed during the &uarter under re"erence 1;

11* Deposits matured #ut remained unpaid' not renewed as on the

date o" this return

a! No* o" accounts 1;;

#! (mount 1;12* " 11 a#o%e, those where orders o" authorised o""icer o"

National Housing Bank ha%e #een recei%ed

a! No* o" accounts 1;>

#! (mount 1;/

1* a! :teps taken'#eing taken to regularise the e+cess pu#licdeposits within the time "rame permitted under the Directions

please "urnish details in a separate statement!

#! :teps taken to compl$ with orders o" authorised o""icer o"National Housing Bank

please "urnish details in a separate statement!

*ar C

In%ormaion re.aing o opening an/ c.osing o% 0rancheso%%ices %or co..ecion o% /eposis

(a) Lis o% 0rancheso%%ices opene/

Name and address o" the Date o" opening )e"erence No* and date o" )emarks

#ranches'o""ices communication to NHB

(0) Lis o% 0rancheso%%ices c.ose/

Name and address o" the Date o" Date o" closing )e"erence No* and date o" )emarks

#ranches' o""ices pu#licit$ communication to NHB


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We declare that the a#o%e in"ormation is true and correct*

=lace

Date Name and signature o" the authori4ed o""icial

NOT+

1.For the purpose o" this return, assets should #e maintained on dail$ #asis and should relate to the pu#lic deposit

lia#ilities including interest accrued thereon! as de"ined in paragraph 2 1!$! o" the Housing Finance Companies

NHB! Directions, 2010 as on the last working da$ o" the second preceding &uarter* For e+ample, the li&uid assets to

#e maintained on each da$ during the &uarter ended 0th June 2010 i*e* 1*;*2010 to 0*>*2010! should relate to the

pu#lic deposit lia#ilities as at the close o" #usiness on the last working da$ o" the &uarter ended 1st Decem#er

200-*

2.he non@con%erti#le unsecured de#entures'#onds other than those su#scri#ed #$ #anks and F6s! including interest

accrued thereon should #e included under this item*

3.he return shall #e su#mitted within "i"teen da$s "rom the last da$ o" the respecti%e &uarter*

Anneure , $

Lis o% appro


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Anneure , "

Lis o% /eposis he./ =ih sche/u.e/ commercia. 0an;s or =ih Naiona. Housing Ban;

(Rsin .a;hs)

:r* No* Name o" the #ank (ddress o" the #ank_s #ranch (mount including interest accrued!

Anneure , 3

Name an/ a//ress o% /esignae/ 0an;(s)

:r* No* Name o" the #ank Name o" the #ranch and address )emarks )e"erence no* o" letters o" in"ormation to

NHB!

Anneure , >

Deai.s o% in


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B& Shor%a.. in oa. .i?ui/ asses (i&e& appro

NHB Directions Upto Date

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