Deduction Under Seciion 80C : Deposits made under HUDCO Public Deposit scheme having a minimum Lock-in-Period of 5

years will qualify for a deduction from gross total lncome up to I 1 ,50,000/- under Section 80C(2) (xvi) (a) of the lncome - tax Act1961. (Notification No.0212007/FNo. 149/299/2005-TPLdated 11th January 2007)Tax Deduction at Source : No tax deduction at source on interest paid/credited up to { 5000/- in a financial year.

Loan Against Deposit Facility : Loan against deposit is available after three months from the date of deposit up to 75% of depositamountl lnterest on such loan will be 2o/o above the deposit rate. Deposits received under section BOC are not eligible for loan

against deposit facility.

NON . CUMULATIVE OPTION

A. HUDCO REGULAR PLUS.PERIODIC INCOME SGHEME:

"For lndlvidual t HUF llepositols

Qtrly Option Half. Yearly option Yearly Option

Poriod olDeposit(ltlonths)

Rate olinterest(%o.a.l

mlnimum dboirsit ol Rs500001. lAmdunt ln Rs.'

Rato ofinterost(0/6o-a-)

flmerefi DaYaDla onminimum dboirsit ol Rs,500001- (Am6unt in Rs.)

Rate otintersstffiD.a.)

flntorBt Davable onninimum da!6sit of Rs500001- (Amount in Rs.l

l2 7.90 988 8.00 2000 8.15 4075

24 7.90 988 8.00 2000 8.15 4075

36 7.90 988 8.00 2000 8.15 4075

48 7.90 988 8.00 2000 8.'15 4075

60 7.90 988 8.00 2000 8.15 4075

72 7.75 969 7.85 1963 8.00 4000

u 7.75 969 7.85 't963 8.00 4000# Minimum demsit arcunt is Rs. 50,000/-. Addibnal arounl ln multples or

For Oher Depositors (Company, Fim, Trusl stc)

q&ly option Half- YeadY ODtion Yearly Optlon

Period otDeposit(llonthsl

Rate ofintsreslloAn

^ |

flnlerest DavaDte onninimum dl*rit ol Rs.50000/- (Am6unt in Rs.)

KAIG OIinbrestrq^h , I

flntorost oavable onninimum d'eo6sil of Rst0000/. aAm6unt in tu.]

Rate oliniercatl%o-a-l

flniorost oavable onmlnlmum d'eo'osit of Rs50000/.{Amdunt in Rs.l

12 7.70 963 7.80 1950 7.95 3975

24 7.70 963 7.80 1950 7.95 3975

36 7.70 963 7.80 1950 7.95 3975

48 7.70 963 7.80 1950 7.95 3975

bU 7.70 963 7.80 1950 7_95 3975

72 7.70 963 7.80 1950 7.55 3975

u 7.70 963 7.80 1950 7.95 3975

, Minimum demsil arcunt is Rs. 50.000/-. Additional amount in multiples of Rs. 5,000!.

CUMULATIVE OPTION

B. HUDCO MULTIPLIER PLUS . CUMULATIVE INCOME SCHEME:*For lndividual I HUF Dopositors ror Other Degositor6 (Company, Firm, Trust eic

Rale of lntorosl(%p.a.l

late of intstss(%D.a.)'it[orittril-

^tD. lahnnr-r^i^"nri; PG I

12 8.15 10815 7.95 1 0795

24 8.15 '11696 7.95 11653

36 8.15 12650 7.95 2580

48 8_15 13681 7.95 3580

60 8.15 14796 7.95 4659

72 8.00 15869 7.95 5825

u 8.00 17134 7.95 17083amount of dercsit is Rs.10. o@!. Mdtonal amounl

CUMULATIVE OPTION

C. HUDCO CASH CERTIFICATE -CUMULATIVE INCOME SCHEME:

For lndividual & HUF DepositorsFOr Ulner uoposlrols

(Commnv. Firm. Trust etc)

Psdod otIlemslt([;nthd

Ratg otlnierest

DeffiilAmorint (Ra.)

frlaturityValll3 (Rs.)

Poriod ofDepositlllonlhsl

MDffinter6t Deposit

Amount (tu.)# lilaiurlty Value

(Rs.)

15811 20000 15899 20000

36 8.15 23716 30000 36 7.95 238/.8 30000

39527 50000 39747 50000

13518 20000 13643 20000

60 8.15 20276 30000 60 7.95 20465 30000

33794 s0000 34108 50000

11670 20000 't't708 20000

u 8.00 17505 30000 a4 7.95 17562 30000

29175 50000 29269 50000

l,l,ot6:# ROI 6If€di6 frm 06.11.ml5#lffimndodmoMlbasis., Inlld mvlild is sbiod Io doduclih ol h at $u@ in all adlms.* ne ifiifri intiet m'te ot &porit wld bo tE PMting Eb of inbr6t apdicablo d Ur€ lhts of ettMt @liaddl

CREDIT RAflNG'!ND t/fuM' by

lndia Ratings &Research Pvt. Ltd

(Fitch Group)and

'GARE AtuA (FD)'

by CARE

1. ResidenU Non-Resident (on non+epatriable basis) lndividuals2. Minors through guardian3. Hindu undividedfamilies (HUF)

4. Trusts5. GooperativeSocieties6. DomesticGompanies7. GovemmentCompanies8. Others(Pleasespecify)

* DEPOSITS FOR SENIOR CITIZENSRate of interest: Additional rale .of 0.25o/o p.a. for HUDCO Regular Plus/Multiplier Plus Schemes in each rate slab.ELIGIBILIW: Senior Citizens of 60 years and above age. Age to be supportedby aftested copy of a passport or birth certificate or high school/ 10th classcertificate/ PAN Card/Valid LIC Policy/ Driving License, etc.PREMATUREWITHDRAWALRequest for pre-mature withdrawal will be permitted subject to Housing FinanceCompanies (NHB) Directions, 2010.

KYC DOGUMENTATION CHEGK LIST

lndividuals- Legal name & any other names

used

- Correcl PermanentAddress

(i) passport (ii) PAN Card (iii) Votels ldentity Card (iv) Oriving

License (v) ldentity Card (subject to the mmpany's satisfaction)

(vi)Adhaar Card (vii) Letters from a recognized public authority orpublic servant verifying the identity and residence ofthe customer

tothe satisfaction ofthe company.

(i) Telephone bill (ii) BankAccount statement (iii) Letters from anyrecognized public authority (iv) Electricity Bill (v) Ration Card (vi)

Adhaar Card (vii) Letter from employer (subject to the satisfactionof the company), (any one document which provides customerinformation tothe satisfaction of the companywill suffce).

One recent passport size photograph except in case oftransactions refened to in Rule 9(1 Xb) ofthe PML Rules.

Companies- Names of the Company- Principal place of business- Mailing address ofthe Company- Telephone/ fax number

(i) Certificate of incorporation (ii) Memorandum & Articles ofAssociation (iii) Resolution from the Board ofDirectors & PowerofAttomey granted to its managers, officers or employees totransact business on its behalf (iv) Any officially valid document inrespect ofmanagers, officers oremployees holding an attorneytotransact on its behalf(v) Telephone Bill.

Partnership firms- Legal Name- Address- Name of all partners and their

addresses- Telephone numbers of the firm

and their Dartners

(i) Registration Certificate, if registered (ii) Partnership deed (iii)

Power ofAttorney granted to a partner or an employee of the firm

totransactbusinesson itsbehalf (iv) Anyofficiallyvalid document

identifying the partners and the persons holding the Power olAttomey and their addresses. (v) Telephone bill in the name olfirm/ partners.

Trusts & Foundations- Name oftrustees, settlers,

beneficianes & signatories- Names and addresses ofthe

founder, the managers /directors and the beneficiaries

- Telephone / Fax numbers

(i) Certillcateof Registration, if registered (ii) Trustdeed (iii) Power

of Attomey granted to transact business on its behalf (iv) Any

offlcially valid document to identity the trustees, settlers,

beneficiaries and those holding Power of Attorney, founders/

managers/ directors and their addresses (v) Resolution of the

managing bodyof thefoundation/association (vi) Telephone Bill.

Unincorporated association or abody of individuals

(i) Resolution ofthe managing body of such associations or body

of individuals (ii) PowerofAttomey granted to him to transact on its

behalf (iii) an offcially valid document in respect ol the person

holding an attomey to transact on its behalf (vi) and such other

informatjon as may be required by HFC to collectively establish

the legalexistenceof such asassociation orbodyof individuals.

'Officially valid document' is defined to mean lhe passport, the driving license, the permanent account number

card, the Voter's ldentity Card issued by the Elec{ion Commission of lndia, Adhaar Card/ letter issued by Unique

ldentifimtion Authority o, lndia contrining detail of name, address and Aadhar number or any other document as

may be required bythe company.

TERiilS & CONDITIONS OF PUBLIC DEPOSIT SCHEI,IE

GENERAL1. lnterest shall be munded off to the nearest Rupee i.e. up to 50 paise will be ignored. lnterest and deposit

imount witt be paid by ciossed 'Account Payie Cheque' of the designated bank drawn in favour of first

named depositor.

2, Th€ interest on deposit will cease on the date of mafurity e.g. on deposit maturing on 15" Oct. 2015 the

interestwill cease to eccrue after 15n Oct. 2015 ifthe FD is notsunendered for repayment unless renewed as

perterms prevailing on thedateof expiry'

3. in the case of an/deficiency of the c6mpany in servicing the deposits, the depositor may.approach the

National Consumer Dispute iledressal Foruni, the State Level Consumer Dispute Redressal Forum or the

District Level ConsumerDispute Redressal Forum forthe reliel.

4. The financial position ofthebompany as disclosed and representation made in the application form are true

and conectand thatthe companyand itsdirectorsare rosponsible forlhe @nechess and veracity thereol.

S. The deposit acceptance aitivities of the company are regulated by the National Housing Bank. lt must- however be distinctly understood that the National Housing Bank does not undertake any responsibilityJor

the financial soundnLss of the company or for lhe conectness of any of the statements or $e representation

made or opinion expressed by thi company and for repayment of deposiU discharge of liabilities by the

Housing Finance ComPanY.

PREMATUREWTHDRAWALS:(A) premalure withdrawal will be permitted subjectto Housing Finance Companies (NHB) Directions, 2010 for

deposits and interest paid asfollows:

i) Minimumlockinperiod - Threemonths

iiy Afterthreemonths - Theintorestpayableshallbe4percentperannumforindividualdepositor

but before six months and no interest in case of other category ofdepositors'

iii) Afiersixmonths - Theinterestpayableshallbeonepercentlowerlhantheinterestrate

but before the date of applicable to a public depositforthe period for which the deposit has run

maturitv i;Jl''^'ffiI.i'g,HffiflTfifl1ffi*.liliLffifiljfJ8tH'.

iv) All deposit accounts standing to the crsdit of soleifirst named_depositor in the same capacity shall be' clubbid and treated as one deposit account lorhe purpose ol premature repayment'

(1)Providedthatintheeventofdeathofadepsitor'thedepositmaybepaidpre-maturelyto the surviving depositor/s in the case ofioint holding with the survivor clause or tothe

nominee or to legal heir/s with interest at the contracted rate (applicable) up to the date

of rePayment.(21 ioi tfiJ prrpose ot Oetermining the period where the period for which the deposit had run''

containsanyparioftheyearth;n,ifsuchpartislessthansixmonthsitshallbeexcludedandifsuch part is six months or more, itshall be reckoned asone year'

(B) Conditions for pre-mature withdrawal for depositors availing Tax benefits under Section 80C(2) (xvi) (a) of

lncom+taxAct, 1961 :-

i) The minimum lock in period ol five years is fixed for depositors availing Tax benefits under Section' OoC and no pre-mature withdrawal ii allowed for such deposits priorto the above lock in period.

ii) ln case ofjoint holding by two or threo persons, only the firsl depositor would be eligible for tax benefit

underSection 80C.

(C) As per iousing Finance Companies (NHB) Dkections, 2010, the premature withdrawal is, however, at the

discretion ofHUDCO.

LOAN FACILITY(i) tre loan facility will be up to 75% of the amount of deposit (i.e, principal amount and excluding accrued

interest, ifany) exc€pt in case ofdeposits receivod u/s 80C.

(iD Loan fucility can be availed only afrer 3 months from tho date ofdeposit'

iii0 ine rate ofinterest appticablo;n tho loan will bo two porcentage above the interest payable on the deposit.

iirl Orioinal Fixed Deposit Receipt duly discharged by the depositor along with an undertaking and postdated

i;te;estwarrants (applicabb f;r HUbCO Regularplus scheme) should be submitted forloan consideration.

(v) The period of ths loan shall not extend beyond the date of maturity of deposit'

DEDUCTION OF INCOME TAXATSOURCE

tn*r.t,*ittO.OaOuctedatsourcefrominterestinaccordancewithsection194AofthelncomeTaxActI961ie.iflne interest payaUte exceeds I 5000/- in aggregate in the curentfinancial year. ln cumulativeoption interestwill be

deemed to iccrue every year as on 31'Miich ofeach financial year & interest will be compounded after ded-ucting

ihe tax amount unless'f6rm 15G/15H in duplicate as prescribld under income tax is (except company & firm)

irri.f'.J to HUDCO latest by 15' March of each linancial year only up to maximum limit prescribed by lT

Daoartment dunno the financial year. However, in case of Non Cumulative option, Form 15G/15H should be

tumisneO to HUOCb tatest by 1 5'i,larch ofeach financial yearfor the next financial year. Deduction oftax at source

in case oftrust witt not be mide if certificates under section 1 97 of lncome Tax Act, 1 961 issued by the concerned

isieiiing oiilr ofthe l.l or copy ofthe order under section 10 ofthe lncome Tax Act 1961, ifthe kust is exempted

undertheibove act, is submitted to the company by 15'March ofeach financial year. Form 1 sG/H mayte furnEhed

nyifi categories of Oepositors (except conipariy ii firm;. Relevant documents for exemption ot Tax Deduction at

i6urce ar"-to Oe suUmitted for ejch financial yeaiand the same shall be applicable till the validity period only.

RENEWALOF DEPOSIT

The company may at its sole discretion permit renewal ofdeposit with retrospective efiect provided fresh application

in tnr pftiiiiU.,i form accompanied by discharged deposit receipt with revenue stamp of requisite value is

suOmittlO witnin a period of one month jfter the d;te of maturity of the deposit. Provided furthor that in case such

"qu.riii r"..r.,i in the ne,1 linancial yea( theieposit may be renewed from first day of next financial year

oiJviOed such reouest is received within a period of one month from the date of maturity For example, in case any

ieoosit is maturej on 30'/31' March and request for renewal is received in April of noxtfinancial year , the company

,iy ren"* srcf, Oeposit ftom l" April instead of 30"/ 31' March of previous year ln case renewal request is not

i..i,ir"O *tt'in, p"riod ofone monih afterthe date ofmaturity such deposil may be renewod from the date receipt of

such requestat HUDCO offce.

REPAYMENT OF DEPOSIT

Deposit r6ceipt duly discharged must be sunendered to the office of the company for repayment of principal and

int6rest up to the date of maturity at leastthree weeks boforethe due date'

itre iepayment otaeposit shall'be made byAccount Payee Cheque payable at par at all the branches of designated

bank on sunendering the deposit receiptdischarged with revenue stamp of requisitevalue'

JOINT DEPOSIT

Oefosits can Oe maOe in the joint names with maximum of three persons. Deposit in joint names shall be with 0r

nirfiouirn1r ottt'r.rrrses naniely: a) Eitheror survivorb) numberoneor survivo(s) c)Anyoneorsurvivor(s)

itre name6and aaOresses ofall iheiointdepositorswill bo entered in the ledgsr and registerofdepositors.

ftte intereston Oeposits inJoint na;s will be paid (in case of cumulative.deposit itwill be deemed to accrue) to the

firsi named deposiiorlor th6 purpose ofthe deductin oftax at source and discharge given by hirn/herwill be binding

on thejoint holde(s).

ln th6 event of death of first nam€d depositor inter€st on fixed deposit will be paid and in case of cumulative deposit

interestwill be deemed to accrue to he depositor in the orderofsuNivors as given in the application on production of

fi rstnamsd deposito/s deah certificate.

Rrp.y..nt oi drporit will be made as per instructions given in application by the depositors. Discharge by such

person(s) will be binding onthejoint holders.

NO[IINATION FACILITY

lndividual depositors single orlointly, can nominate under this facility. The nominees shall have the right to receive

the amount due in respect ofd6posit on death of all the depositors. Power ofAttomey holder or a guardian applying

on behalfofa minorcan not nominate.

DEPOSIT RECEIPT

i) Deposit receipt will be foMarded by Registered posu courier to the address of sole/fiBt applicent in the

application form within 4{ weeks aft er realization of cheque / draft .

ii) Deposit receipts are non- transferable and non' negotiable.

ISSUE OF DUPLICATE RECEIPTS/ PAYMENT CHEQUE/ TDS CERTIFICATE

ln the event of loss or destruction or mutilation of any of above documents the company may at its sole discretion

issue the same upon receiving an lndemnity Bond and Affdavit from the depositor (s) in the form prescribed by hecompany.

All expenses rncuned bythe company in thisconnection will be bome by the deposito(s)

GENERAL

Total amount ofexposure including the non-fund based facilities, to companies in ihe same group or other entities

or business ventures in which dkectors and/or the mrporation are holding substantial interest as on March 31,

2015 was Rs 6.27 Crore.

MISCELLANEOUS PROVISIONS

i) Deposit from minor (s) will be accepted through nalural/legal guardian(s) provided the application form is

signed bythek natural or legal guardian, on thek behalf.

ii) W-here the due date of ani piyment falls on Sunday, Bank holiday oI any other day on which the offce

remainsclosed, the paymentwill be madeon the nextlollowing working day, withoutanyadditional interest

iii) lnterest forthe part;f;nonths during which the deposit is made shall be paid along with interestfor the next'

month in case of Regular Plus. For-Regular Plus Scheme the half year shall be reckoned to the end on 31 n

Marcir ana so" sepdmber. Quarterlyopition shall be reckoned to end on 31o March,30* June,30'September

& 31" December. interestchEues for difierentoptions (Quarterly/Halfyearly/Yearly) shali be sent in advance

on financial yearbasis i.e. from ldApril to 31d March each year, afterdeducting tax, asepplicaile.

iv) Deposits once accepted under one scheme cannot be interchanged/ spliU Transfened/ Transposed etc.

before the expiry of the said deposit term under any circumstances

v) The aforesaid terms and conditions ofacceptance ofdeposit are subject to rules and regulations framed by'

the Central Govemment, ReseNe Bank of lndia/National Housing Bank or any other competent authority

vi)

fromtmetotime.ln case ofcumulative depositsforthe purpose ofdeduction of lncomeTax'

everyyearand taxwill be deducted on the accrued interest in eachfinancial year

vii) ln caie of issue of duplicate interest wanants, the same will be issuod after the expiry period of three/ four

months from the due date of interest payment date.

viii) ln case of non-payment of deposit or part thereof in accordance with the terms and conditions of the deposit,' the depositors may make application to aulilorised offcer ofthe National Housing Bank'

NON _ RESIDEI{T DEPOSIT

Depositfrom non-resident lndian Origin/ Nationalitywould be accepted subiecttothe condition thatthe principal and

intirest shall not be credited to any non- resident extemal account or allowed to be repatriated out of lndia. The

depositsfrom NRI's would be accepted up to maximum period of3 years only.

HOWTOAPPLY

Application for fresh or renewal of deposit must be made on the prescribed form. Subscription to more than one

scheme should be made in separate form. Please ensure thatall cheques & drafl are drawn in favour of"Housing &

U6an DevelopmentCorporation Ltd." and should be marked -Account payee only'. The completed apllication form

will be acceptable at Head Offce/Regional offices/Zonal offce and by the authorised Manager-cum-Brokers otthe,

Company. ifre perioO of deposit andcalculation of interest there on will commence from the date of realization of

cheque ind frdm the date of receipt in the case of bank draft at Head Office/Regional Offces/Zonal Office.

Application with thumb impression wiil not be accepted. Application forms c€n be obtained from and deposited atthe

fdtbwing ofiices of HUDbO (Housing and Urban Development Corporation Limited) and ofiices of authorized

Manager.cum-Brokers of the company.

FOR ACCEPTING APPLICATIONS

REGTSTERED OFFICE/CORPORATE OFFICE: HUDCO Bhawan, Core 7A, lndia Habitat cenke, Lodhi Road,

i,ie* Oetni-ttOOOS. fet: (011 ) 24649610-23,24627113-1 5, Fax: (011) 24625308. Visit usatwww.hudm.org.

ZOXIr- OfrtCe, NORiH iAST ZONE - GUWAHATI: Houseled Complex, Rukminigaon, G.S. Road, GUWAHATI -

781 022, Tel : (0361 )-2339'148,2339018, Fax: (0361 ) 2330098

REGTONAL dFFICES:4th Ftoor, Gruha Nirman Buitding,Ashram Road, AHMEDABAD-- 380 009. T9l 1(079) 26582787

ihshraaA fax: tOZS) 26580804. Manioat Centre, Noih Block, Tth Floo( Unit No.703-704, N0.47, Dickenson Road,

AtricALth-U'- doii64] rer.1os0) iSsazoto,issstotz, Fax;(080) 2-55e8748 !l^elqq.l.ryq,gs Bhawan,,(Jail

Rnarrr AreraHi[s BHOPAL-d62611.Te|:(0755)2763628,2763542Fax:(0755)2763526.3rdFloor,Deendayalb'iii*'in, nit,or Nlisal,, Janpath, BHUBANES}IW4&- Lq1 099,T6| (q674)-2!16287 2s346s6 Fax : (0q7p-?s_q4e05

5bd'iii-i d3, i; ["2"' Frorir, Seaorsa-e. cHANDIGARH - '1 60 022. Tel : (01 72) 26a89s2. Fax : 10174.2€a8955 'vthFnor, C1 OAio*eut N0.1, Gandhi t*in Road, Egmore, CHENNAI - 600 008. Tel . (044\2gp.12711 Fax : (044)

zbsibz,i6. ilri, cirr1wail,linbat vras rligam uog.: t 9t rioor, n-aipur Road, DEHRADUN (Uttarakhan9t248001, Tel

(0135)2748405,Fax:(0135)2748290.5.,10-l93,lstFloor,HACABhawan,oppositeAssembly,HYuEXAtsAu-bUUbiN.i.iiO+oizb)5zsii.iil,tolotzlz+sg3s.vidhyutMarg,JyotiNagar,JAlPUR302005,Tel:(014!2740874F-ax, roliiiD+O]Oi. iUO6b Anailn, 'OA-OA, nail Heari Compiex,-JAMMU - 180012. Tel : (0191) 2474 3-5-5r Fax : (0191)

ZizSilO. O[ Sgc[t",iit Comptex, kOtttttA - 797 001 Nagaland, Tel : (0370) 2291145, Fax: (0370) 229114'4. Hu.dco

ehi;,in,pt"iilo.'iiOl-btm'1.Sictortt,Karunamoyee,-SaltLake.BidhanNagar. KOLKATA'700091.T91.{0-3.3)

iiSd'61;i i;;n iij3Sizesasst+ a.t Ne atock. Pifup Bhawan,2nd Floor, Vibhuti Khand, Gomti Nagar, LU-CKI{oJU

:2i6oid i;i ib-irri,72-o7ai-,iax \oszzllizout. Sirreyas Chimbers, 2' Flmr, 175 Dr.or,l Roag, io4 !,u.llBl! -

aoo-oiri'r"i,iriiiiilssooaO.iax:rbZZt/ZO90086. HUDCOHouse,5"Floor.LodhiRoad,NEWDELHl-110003.Te|.:

rorrii+iigo'ddjii, ioiiiza5oe6oT, irauryalok complex, Block B-2, 2" Floor, Dak ButgalgwSoeq'llltA,-birbrjol.rii,totizliiys6a,rax:(ootz)2221886.1-B,SuryaApparlments,lGtoraTarab,RAIPUR--492001 Tel:iiiiit)bqc\t F;v' Io77i\24220)3. TAcD Buildino. Shvamli Eioranda, RANCHI - 834 002 Tel : (0651) 2411526'

iJi i6sliii+iizg6. siotraiiam comptex, tttrd Floor, P1lavdm, University Po ,THIRUvANANTHAPURAU -695034

iJi iO+iii-iig97aZ,-Fai'iOlZtl IOZSOOO. SO-ti-t, Veeramachindni Complex, Jammich€ttu Mogalrajpuram,

vTJAVAWADA -520010. Tel: (0866)2493306. Fax: (0866) 2493308.

AUTHORTSED MANAGER.bUM.'BROKERS: Aliondi Global Securities Limited Tel :415_1466669 Bajaj Capital

iii r"r'reateqorahartiatCo.Teli{0361)2543612.HLKapoorFinancialConsultantsPvt.Ltd'Tel:26920530.n.n.r-i""nciiiL"-,iirttantsLtd.,Tet:23636666.SMlFSCapitalMarketsLtd.Tel:(033)22470362. M/s.AlkescoCaoitat Markets Pvt. Lid. Tel : (033) 2-707805. M/s. Enani Securities Pvt. Ltd.,iel : 1022) 22677901. M/s. SPA

Criitat Advisors Ltd..Tet : 2551737i. M/s SMC Global Securities Ltd., Tel : (011) 40753333. IrUs J M-Financial

iehrices pvi. Lrd.. Tel ; (011) 30925520, M/s Karw Stock Broking Ltd,,Tel : (011) 43509212. M/s Brics securrties

ita. i"L:rorrrsaisobo0.ttlisEshalnvestment&TmdinqPvt.Ltd. MislClClSscuritiesLtd.Tel:(022)40701000ill;i;;di,iz;ttn-.;;iadviiors Pvt. t-td. Tet : (011) 43554000 M/s. HDFc Seculities Ltd. rel: (011) 26185967r,Us

neif Ciowttr Securities Pvt. Ltd. Tel :25512'1 14lvt/s Stock Holding Corporation ol lndia Ltd. Tel : (022) 61779400.

PARTICULARS AS REQUIRED UNDER NON-BANKING FINANCIAL COMPANTES AND MTSCELLANEOUS NoN-BANKtltc COMPAN|ES (ADVERTTSEMENT) RULES, 1977.a. Nameofcompany :

b. Dateof lnmrporation :

c. The Business caried on by he company and its :

subsidiaries with details of branches or units, if any.

d. BriefParticulars ofthe managemenlofthe Company :

e. Name, address and occupation ofhe Direc.tors:

HOUSING AND URBAN DEVELOPMENT CORPOMTION LIMITED

25.M.1970

Io prgYide financial assistance for constuction of houses and urban development activities. The Company is not having any subsiliary. T6 Company hasZonalOffceiRegionalOffces/ HUDCO Niwas ffices & DevelopmentOffices'atUEfiClowing flaces in tniia:'Agartala, Aizawal, Ahmedabad, Bengaluru, Bhubaneshwar, Bhopal, Chennai, Chandigarh, Delhi, Dehradun, Guwahati, Goa, Gauto|(' H!/derabsd, lmptEl,Itanagar, Jaipur, Jammu, Kohima, Kolkata, Kokrajhar, Lucknow, Mumbai,- Patra, Puducherry, Porblair, Raipln, ninciri,'strittong, strimla,Thiruvananlhapuram, Vrjayawada

The company is a Govemment Company undor.the povisigns of lhe QmpgiesAct and is managed by the Board of Diredo.s comprising of FundionalDirectors, Parttime fficialDirectors (GovemmentDirectors)& Parttjme NonoficialDiredors.

2.

Chairman & Managing Director

Shri.N L Manjoka,Director (Corporate Planning)

Shri. Anil Kumar Kaushik,Director (Finance)

Smt. Jhania Tripathy,

Part-time ofiicial Director

Shri Rajiv Ranjan MishraPart-time Ofr cial Director

Pro[Sukhadeo ThoratPart-time Non-Offi cial Director

Address

HUDCO Bhawan, lHC, Lodhi Road,New Delhi - 110 003

HUDCO Bhawan, lHC, Lodhi Road,New Delhi - 1 10 003

HUDCO Bhawan, lHC, Lodhi Road,New Delhi - l'10 003

JS & FA, Ministry of Housing and Urban PovertyAlleviation,Nirman Bhawan, New Delhi - 110 011

JS (Housing), Minisw oI Housing and Urban PovertyAlleviation,Niman Bhawan, New Delhi-110 011

House N0.4304, Block B 5&6,Vasant Kunj, New Delhi - 1'10 070

Company Diredor

Conpany Diredor

Compeny Dfueaor

Company DirBdor&Go\r€rnment Senice

Company Ditedor&Covemment Sewice

Prcfusso(

3.

4.

1. Dr. M Ravi Kanth,

Year

March 31, 2013

March 31,2014

March 31,2015

1061.70

1094.35

1''80.94

After Tax

700.56

726.U

777.63

Irhrftlend lrodared

150.m0.49%)

100.0r(5.00%)

100.01(5.00%)

@ lnclusive of prior period adjust nents

h. Summarized financial position ot tE company as appearing in the two latest audited Balane Sheets:

Liabilities

Share Capital

Reserues & Surplus

Secured Loans:

Non Cunent

Cunent

Unsecured Loans:

Non Current

CuIrent

Non Cunent Liabilitios & Provisions

Cunont Liabilitios & Provisions

'tarch 2015

2001.m

5779.27

14972.63

366.63

3342.51

1970.51

332.03

3841.00

March 31,2014

2001.90

5121.43

13800.75

209.11

5067.46

1266.72

u0.27

191 0.84

'lllarch 20r5

99.63

355.68

400.00

27115.30

3860.68

58.63

631.40

592.05

tn

tarch 3l.2lllrl94.78

'1*

23972.27

4168.92

61.69

598.82

563.17

Assets

Fixed Assets

lnvestments

Non Cunent

Cunent

Loans for housing, urban development & inftastruc{ure

Non Current

Current

Other Loans & Advances

Non Current

Current

Current Assets

33fi3.37 flt213.5:t'Regmuping done in the year2014-15 wherewr nu*ry

Claims against the Company not acknowledged as debts

Ofiers

0.72

486.77

0.72

656.41

J.

k.

publicdepositcomputed as per NHB Directir:ns,201 0 as on March 3'1,2015 was Rs.2739.23 crore.Th6re are no overdue deposits otherthan unclaimed deposits.Company hereby declares that:

norms have been relaxed for HUDCo by NHB.ii) The compliancewith the direc'tions does not implythatrepaymentofdeposits isguaranteed by Reserve Bank of lndia / National Housing Bank.iii) Thedepositsacceptedbythecompanyareunsecuredandrankparipassuwithotherunsecuredliabilities.iv) Themmpanyisnotindehultinherepaymentofanydepositorpartthereofandanyinterestthereuponinacmrdancewithtormsandconditonsofsuchdeposits.

TheadvertisementisbeingissuedunderheautirorityandthenameoftreBoardofDiredolsofthecompanyandthetextwasapprovedbyheBoardon 20.09.2b15Acopy signed bya majority ofDirectors ofthe Company has been liled with National Housing Bank and RegistrarofCompanies, New Dellii.

New Delhi

Dated : '19.10.2015

Bytle oderoffp Boardfor Housing and UOan Development Co.poration Limited

sd-

Dr. M RavilGntrChainmn & luanagi.E DirBdor

HOUSING & URBAN DEVELOPMENTCORPORANON LIMITED(A Government of lndia Enterptise)HUDCO Bhawan, Core 7A, lndia Habitat Centre,Lodhi Road, New Delhi - 110003Tef .: (0ll) 24649610-23, 24627 113-15website: www.hudco.org,An ISO 900'l:2008 Certified CompanyCIN: U74899DL'l 970GOl 005276

Name and Stamp of Manager-cum{roker

Application Serial No.

Name of HUDCO OfficePhotograph of

Applimnt

I. I{AXE OF DEFGSITORS ON BLOCK lr.pArElm: Mr./Mrs./Ms.

Second : Mr./Mrs./Ms.Third : Mr./Mrs./Ms.Guardian's Name : Mr./Mrs./Ms.

4. ADDRESS OF SOLE/ FIRST DEPOSITOR 0N BLOCK

Pin Tel./Mob. No.-off

Fax

Senior Citizen (60 years & above) E Yes (Please attach proof of age)

3. DATE OF BIRTH OF SOLE/ FIRST DEPOSITOR

Guardian's Name :

(lf Nominwisa minor)

Addressof Nominee:

trNo

E Resident lndividual(s) fl Registered Society E Hindu Undivided Family E Association of Ferson(AOP) E Partnership Firm

E Proprietary Concem E Company/Government Company E Trust E Non-Resident lndividual (s) E Others (Please specify)

Option for deposit U/S 80C(2) (xvi) (a) of lTAct, '1961

10. DEfAILS OF BANK ACCOUNT (of sole/ first(Please refer to the clause of interest payment)

E Savinqs E CunentAccount

7o per annum (cash will not be accepted).

B) FDR No. Dated for { (in case of Renewal)

C) Total Fixed deposit Amount (in figure) t-(Rupees1 3. INTRODUCTION/IDENTIFICATION OF NEW DEPOSITOR

Introducer must be a HUDCO Manager-cum-Broker oran existing depositorlntroduce/s Name: Deposit No. Signature:

Address:

Vre hqeby d€daE t,Et a|rtr{ being deposited he@ith is not out of any tunds acquked by me/ us by borcring or a@pting deposits from any other

pe@t(s), i/re hseby decbI6 thatfiEa named depositor menlioned in our appli€tion is th€ b€nefcial Mer of this and as such he/ sho should be trealod 6s

inepayiirt t*p*ficedtarded(dirunder*ction1g4Aoltheln@meTaxAd,1961.l/woherebyagr@toabidebytheatl,achedbms&mnditions

fumished/made by the @mpany and aft6r @reful @nsidsralion l/we,

SIGNATURE OF

FirsUSole/Guardian:Second:Third:

gowing depcrt.Ure haw gm [tBrgh the ftEmid and other statemsnuparticularJropreamraE mki rglh6d€pcilwilhthe@panyatmy/ourM riskand voiition.NanE(s)dtE atdsi4d SEEb.ics

::':1"::": specimen sisnarure (s)

FOR OFFICE USE ONLYDate of receipt Date of deposit Period in months Maturity Date Rate of lnterest(%) Amount of Deposit({.)

PROVISIONAL RECEIPT fiO BE FILLED II{ BY DEPOSITOR)Regd. OIti>tlUDm Bffi, C@ 7A" lndia Habitat Cenre,Ldlhi Rd. NqY D€t*ll(xXB

HUOCO(R€gubrPtE{Cty/HyrYly}/Multiplierpludc4hC6ftfi@ie( r' )fieappli@bl€oplM

DIEMd...-....-.-...-......Mdths@...............

For 'I()USING

I URBAil DEVELOPilEiIT CORPORAnOI LTD.

il.m otAuOE l..d Slorrto.y t O.algnadon

.VALID SUBJECTTO REALISATTON OF CHEOUE/DRAFTANDTILL ISSUE OF REGULAR RECEIPT

HUDCOPDSWEB01823