c 43, pamposh enclave greater kailash - i public...

S N NANDA amp CO CHARTERED ACCOUNTANTS E-mail snncosnnconet

infosnnconet

C 43 PAMPOSH ENCLAVE GREATER KAILASH - I NEW DELHI - I IO 048

PH 91-11 -26227853 41731475 FAX 91 -11 -26227853

INDEPENDENT AUDITORS REPORT

The Chief Financial Officer National Housing Bank Core-SA India Habitat Centre Lodhi Road New Delhi - 110003

Report on the Project Financial Statements

We have audited the accompanying financial statements of the National Housing Bank - Low Income Housing Finance Project financed under Credit No 5283-IN which comprise the statement of Sources and Application of Funds and the Reconciliation of Claims to Total Applications of Funds for the period ended 30062018 (01072017 to 30062018) These statements are the responsibility of the Projects Management Our responsibility is to express an opinion on the accompanying financial Statements based on our audit

We conducted our audit in accordance with the Auditing Standards promulgated by the Institute of Chartered Accountants of India Those Standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement Our Audit examines on a test basis evidence supporting the amounts and disclosures in the financial statements It also includes assessing the accounting principles used and significant estimates made by management as well as evaluating the overall statement presentation We believe that our audit provides a reasonable basis for our opinion

In our opinion the financial statements present fairly in all material respects the sources and application of funds of National Housing Bank - Low Income Housing Finance Project for the period ended 30062018 (01072017 to 30062018) in accordance with Institute of Chartered Accountants of India Accounting Standards

In addition as shown by records provided to us and to the best of our information and according to the explanations given to us

a) With respect of Internal Unaudited Financial Report adequate supporting documentation has been maintained to support claims to the Government of India for the reimbursements of expenditure incurred

b) We have verified the Statement of Sources and Application of Funds as well as the Statement of Reconciliation of Claims to Total Application of Funds

c) Expenditures (including sub Loans to PLis) shown in the PFS are eligible for ~~_ financing under the legal agreements are recorded in the books of account of

cf HB and no other sources of funds have been received by NHB for these O penditures

Pub

lic D

iscl

osur

e A

utho

rized

Pub

lic D

iscl

osur

e A

utho

rized

Pub

lic D

iscl

osur

e A

utho

rized

Pub

lic D

iscl

osur

e A

utho

rized

d) The bank funds claimed during the reported period shown in the Project Financial Statements are eligible under the agreements However part amount received by NHB from Government of India The same are recorded in the books of accounts as assets amp liability Further necessary disclosures have also been made in the notes to accounts

e) The accounting and internal control systems underlying the project including material compliance with the Project Operational Manual and oversight over the Project funds were adequate and maintained throughout the audit period

f) Project funds have been provided to PLis that meet the eligibility criteria given in the Project Operational Manual and that the aggregate of the housing loans made to beneficiaries under each category (quadrant) is within the individual limits set forth in the Project Operational Manual

g) Contracts for consultancy services have been provided as per the agreed procedures During the FY 2017-18 no Contract has been given

For SN Nanda amp Co Chartered Accountants

FRN 000685N fl ~-tQ~t t(_f

S N Nanda Partner Partner M No 005909

Date September 04 2018 Place New Delhi

S N NANDA amp CO CHARTERED ACCOUNTANTS E-mail snnco(i)snnconet

infosnnconet


Respected Sir

Management Letter

C 43 PAMPOSH ENCLAVE GREATER KAI LASH - I NEW DELHI - 110 048

PH 91-11-26227853 41731475 FAX 91-11-26227853

This management letter is provided in connection with your audit of the Project Financial Statements of the Low Income Housing Finance Project under Credit No 5283- IN (the Project) for the year ended on 30062018 (01 072017 to 30062018) for the purpose of expressing an opinion on the findings of the audit and recommendations for improvement in Internal Control and other matters corning to attention of the auditor during the audit

Our audit plan was prepared using a risk-based methodology that includes an assessment of the systems records amp control of the Bank

The following methodology was adopted for the purpose of our review bull Review of the agreements entered by the ID A Government of India amp

National Housing Bank provided to us bull Verification of the quarterly Internal Unaudited Financial Report along with

the refinance disbursement sheet provided by the PU to the concerned Department

bull Selection of sample cases of disbursements in order to ensure effectiveness of disbursement methodology to achieve the end objective of the Project

bull Verification of compliance of the project with the Operational Manual identification of key risk weaknesses methods for mitigation of these key risks weaknesses

bull The bank funds claimed during the reported period shown in the Project Financial Statements are eligible under the agreements however part amount received by NHB from the Government of India

For SN Nanda amp Co Chartered Accountants FRN 000685Nf _

--- ~~M

S N Nanda Partner M No 005909


bull

R epor tf h d d 30 06 2018 or t e year en e

Particulars Schedules

Bank Funds claimed during the I

reporting period ( A ) Total Expenditure made during the year ( B) Less Ineligible expenditures (C) Expenditures not claimed ( D ) Shortfall Amount received due to Forex Fluctuation and Capping on Quadrant 1 Expenditure incurred under Component I amp III but not claimed Expenditure incurred during the year but not claimed till year end Total Eligible Expenditures Claimed by NHB (E)=(B) -(C)-(D)

World Bank Share 100 of II

(E) above = ( F ) (A) - ( F )

~~~~ Deputy General Manage~HB

NATIONAL HOUSING BANK

India Low Income Housing Finance Project (Credit No 5283-IN) Statement of Reconciliation of Claims to Total Applications of Funds

Current Year 2017-18 2016-17 2015-16

(July to June) (July to June) (July to June)

685578165 2979711258 1483816674

832999895 1720407873 2663530557

0 0 0

0 0 0

0 0 0

1399895 2607873 5430557

0 0 0

831600000 1717800000 2658100000

831600000 1717800000 2658100000

-146021835 1261911258 -1174283326

Deputy General Manager NHB

2014-15 2013-14 (July to June) (July to June)

155343443 491658453

209289829 184821962

0 0

0 184821962

0 18896635

4175190 0

0 165925327

205114639 302325096

205114639 302325096

-49771196 189333357

For SN Nanda amp Co Chartered Account~an FRN 000685N

r-----s---=~ -] lt ---v YI-(_

S NNanda Partner M No 005909

(In~)

2012-13 Project to date (July to June)

0 5796107993

302325096 5913375212

0 0

0 0

0 18896635

0 13613515

0 0

0 5880865062

0 5880865062

-84757069

c omponent W E Se d xpenses are given as un er

Particulars Claim in INR submitted under Claim in INR submitted Claim in INR submitted

Component I under Component II under Component III

Expenses Nil 5880865062 13613515

Expenditure incurred under Component III are not being claimed from World Bank The figures are shown only for information

NHB Deputy General Manager NHB

Dated September 04 2018

For SN Nanda amp Co Chartered Accountants FRN 000685N


Schedule I

Bank Funds claimed during the reporting period (ss on June 30 2018)

Date of Receipt by

SDR Exch Rate

USD Exch Rate

INR Govt of (SDR-USD) (USD-INR)

India 22-Aug-17 631458792 140870 8895360 640748 569968413 23-Mar-18 121975756 145438 1773991 651693 115609752

TOTAL 753434548 10669351 685578165

Schedule II

Details of IUFR - Quarter Wise

July-June July-June July-June July-June July-June

Period 2013-14 2014-15 2015-16 2016-17 2017-18 Cumulative ended

311213 302325096 - - - 302325096

310314 147499408 - - - 449824504

300614 18425919 - - - 468250423

300914 - 1915017 - - 470165440

311214 - 55591133 - - 525756573

310315 - 144506766 - - 670263339

300615 - 3101723 - - 673365062

300915 - - 220000000 - 893365062

311215 - - 188400000 - 1081765062

310316 - - 1934800000 - 3016565062

300616 - - 314900000 - 3331465062

300916 - - - 90000000 3421465062 311216 - - - 40000000 3461465062 310317 - - - 1020000000 4481465062 300617 - - - 567800000 5049265062 300917 - - - - - 5049265062 311217 - - - - 495300000 5544565062 310318 - - - - 139700000 5684265062 300618 - - - - 196600000 5880865062

Total 468250423 205114639 2658 100 000 1717800000 831600000

Deputy General Manager NHB Deputy General Manager NHB




Name of the Project India Low Income Housing Finance Project LoanCreditGrant No Credit No 5283-IN

Statement of Sources and Applications of Funds Report for the year ended June 30 2018

Particulars Current Year

2016-17 2015-16 2014-15 2017-18

Opening Balance (if cash balances are controlled by the - - - -entity) (A)

Receipts National Housing Bank -667000105 -38214136 763288891 209289829 Funds received from Government through Budget (These will include external assistance received by Government 1500000000 1758763675 1900000000 Nil for the project) Funds received directly by Project Implementing Authority

Nil Nil Nil Nil through external assistance Beneficiary Contribution (if any) Nil Nil Nil Nil

Total Receipts (B) 832999895 1720549539 2663288891 209289829

Total Sources (C = A+B) 832999895 1720549539 2663288891 209289829

Expenditures by Component

Component - I Nil Nil Nil Nil

Component - II 831600000 1717800000 2658100000 205114639

Component - III 1399895 2749539 5188891 4175190

Total Expenditures (D) 832999895 1720549539 2663288891 209289829

Closing Balance (if cash balances are controlled by the - - - -entity) (C-D)

Amount includes expenditure incurred under Component I amp III Expenditure incurred under Component III are not being claimed from World Bank The figures are shown only for information excluding provisioning of Rs 100000- provided during June 2018 under Component III

~ Deputy General Manager NHB

2013-14 2012-13

- -

165925327 302325096

Nil Nil

Nil Nil

Nil Nil

165925327 302325096

165925327 302325096

Nil Nil 165925327 302325096

- -

165925327 302325096

- -

For S N Nanda amp Co Chartered Accountants FRN 000685N


Annexure 1

(In~)

Project to date

-

735614902

5158763675

Nil

Nil

5894378577

5894378577

Nil

5880865062

13513515

5894378577

-

SrNo

1

A

i)

ii)

B

Bl

I

II

i)

ii)

iii)

iv)

Ill

B2

Interim Unaudited Financial Report

LOW INCOME HOUSING FINANCE PROJECT

Credit No 5283-IN

Implementing Agency - National Housing Bank

Sources and Uses of Funds for the quarter ended 30062018

Item Current Quarter CQ)

Apr 18 - Jun 2018

2 3

SOURCES OF FUNDS

IDA 196600000

NHB -

Tata Sources a Funds (A) 196600000

USES OF FUNDS

EXPENDITURE BY COMPONENTS

Capacity Building of NHB and Primary Lenders -

Financing Support for Sustainable and Affordable Housing

Secured Sub Financing to Formal Primary Borrowers -

Secured Sub Financing to Informal Primary Borrowers

Loan secured alternatively Sub Financing to Formal Primary Borrowers

(including Pilots) -

Loan sercured alternatively Sub Financiang to Informal Primary

Borrowers (including Pilots) 196600000

Sub Tata Component II 196600000

Project Implementation 474895

Total Expenditure by Components Bl=l+ll+lll)) 197074895

Pre FinancingProspective Disbursements (NHB)

Total Uses of Funds (Bl+ B2) 197074895

Amount Year to Date YTD)

July 17 - June 18

4

831600000

831600000

--

831600000

831600000

1399895

832999895

832999895

Deputy General Manager - PIU

Date September 04 2018


ates l IFRs will be prepared on cash basis 2 The figures shou ld be taken from the account codes allocated to the Project

3 Details of Qualified Plls and housing Joans to primary borrowers will be provided in the Annex to IFR 2

4 Total Expenditure by Components should match with the details in IFR 2

bull Expenditure incurred under Component Ill are not being claimed from World Bank The figures are shown only for information

IFR 1

In INR

Cummulative to Date

CTD)

5

5880865062

5880865062

302325096

3 180 739966

2397800000

5880865062

13613515

5894478577

5894478577

Interim Unaudited Financial ReRort

IFR2

LOW INCOME HOUSING FINANCE PROJECT Credit No S283-IN


Project Expenditure by ComponentSub Component during the quarter ended 30062018

(Amt in INR)

Current Quarter CQ) Year to Date (YTD) Total Cumulative to

Project Expenditure Provision as per PAD Apr 18 - Jun 2018 July 17 - June 18 date (CTD)

I Capacity Building of NHB and Primary Lenders

b Consultants Services

-- Financial Literacy Module

-- Market Infrastructure (credit bureau for informal borrowers)

-- Pilot on underwriting unsecured lending with alternate collateral

Add as required

Sub Total Component I 0 0 0

II Financing Support for Sustainable and Affordable Housing

Formal Dwelling- Formal Sector Income Quadrant (I) 5 of the credit 0 0 3D2325D96

Formal Dwelling- Informal Sector Income Quadrant (II) 50 of the credit 0 0 3180739966

Loan secured alternatively Sub Financing t o Formal Primary Borrowers (Ill) 20 of the credit 0 0 0

Loan sercured alternatively Sub Financiang to Informal Primary Borrowers

(including Pilots) (IV) 25 of the credit 196600000 831600000 2397800000

Sub Total Component II as above 196600000 831600000 5880865062

Ill Project Implementationbull

a Goods (Office Equipment Computer Software etc)

b Consultants Services 474895 1374895 13507322

-- Procurement Expert 0 0 1750000

-- Environment Expert 474895 1374895 4595619

-- Social Expert 0 0 3765703

-- UHF Expert 0 0 3396000

-- Impact Evaluation

Add as required

c Incremental Operating Costs 0 25000 106193

-- Salaries of Contractual Staff

-- Salaries of NHB Staff assigned to PIU

- Office Expenses Maintenance Rent etc

-- 0 amp M and hiring of vehicles equipment and goods

--Audit Fee 25000 100000

-- Travel

--Others 0 0 6193

Sub Total Component ffl 474895 1399895 13613515

Total Expenditure (1+11+111)) as above 197074895 832999895 5894478577

bull Expen~ur~ ~~~Ill are not being claimed from World Bank The figures are shown only~ -~~NO~

Deputy General Manager - PIU ~ Deputy General Manager - PIU ~~ D Date September 04 2018

ti Notes The sub totals and total should match with the corresponding items in IFR 1

~

Expenditure

1





-- Pilot on underwriting unsecured lending with alternate

collateral

Add as required

Sub Total Component I


Sub Total Component II

Ill Project Implementation



-- Monitoring amp Evaluation


Add as required

c Incremental Operating Costs



-- Office Expenses Maintenance Rent etc

-- 0 amp Mand hiring of vehicles equipment and goods

-- Travel

-- Others

Sub Total Component Ill

Total projected Expenditure (1+11+111))





Credit No 5283-IN


Forecash of Cash requirements for next 2 quarters

IFR 3

lN INDIAN RUPEES (million)

Cash requirement for next Cash Total cash DA Eligible cash 1st quarter() requirement requirement for requirement for the

ELIGIBLE for next 2nd the next 2 next two quarters quarter quarters

2

I I

100 39100 - 39100

39100 000 39100


IN USO EQUIVALENT

Total cash IDA Eligible cash requirement for requirement for

the next 2 the next 2 quarters

quarters



Credit No 5283-IN

Implementing Agencymiddot National Housing Bank

Report for the quarter ended 30062018

Part A Financial Support for Sustainable and Affordable Housing to Qualified Primary lending Institutions PUmiddot segregated by each line item mentioned under BlII of IUFRl

Disbursements to Qualified PUs by NHB

Nature of PU Date of Amount Sanctioned Disbursement to Rate of Tenure Name of the

(HFCbankMFlo Disbursement SNo Qualified PU (INR) Plls by NHB Interest (Yrs)

thers) (ddmm yyyy) Cumulative to Date

Current Quarter CQ) Year to Da te (YTD) (CTO)

Apr 18 - Jun 2018 July 17 - June 18

10

Avaas HFC 29-Jun-18 113244500 100000000 735 15 100000000 457200000 2167953675

Financers Ltd

India Shelter

Finance HFC Corporation

29-Jun-18 110819000 96600000 735 10 96600000 96600000 772258580

Limited

Grand Total 224063500 196600000 196600000 553800000 2940212255

bull Formerly known as AU Housing Finacne limited

Notes

1 Total of columns 11to14 should match with amount in column 10

2 Please provide sepaarte PU-wise detailed list of the primary borrowers (name amount of loan location etc) under columns 10-13

Part B Pre-FinanceProspective Disbursement

SNo

Name of the

Qualified PU

Grand Total

Nature of PU

(HFCbankMFlo

thers)

Date of

Sanction Amount Sanctioned

Os at the beginning

of the

quarter

Amount

Disbursed

during the Amount adjusted during

quarter the quarter

In INR

Os at the close of Amount included in Part

the quarter A above

10 (out of 8)

It is certified that the amount shown under Component II hove been made only to PLs that have complied with themmiddot um eligibility criteria as given in the Project Operations Manual and is the

~fy~~~~~ Date Septemb 04 2018 ~ Deputy General Manager bull PIU

Annex to IFR 2

INR

lending by Qualified PUs to Primary Borrowers

(cumulative out of column 10)

Secured Sub-Financings Unsecured Sub-Financings

Formal Primary

Borrowers

11

Informal Primary

Borrowers

12

694553675

125658580

820212255

Formal Primary

Borrowers

13

Pilots for Informal Primary Informal Primary

Borrowers Borrowers

14 15

1473400000

646600000

2120000000

1

1

2

3



Credit No 5283-IN


Schedule of Drawl from IDA for the quarter ended 30062018

Actual Eligible Expenditure Year to Date

Category Current Quarter (CQ) (VTD) July Cummulative to

Apr 18 - Jun 2018 17 - June 18 Date CTD)

2 3 4 5

Goods consultants services and Operating Costs

under Part A of the Project

Sub-Financings including pilot subfinancing under

Part B of the Project 196600000 831600000 5880865062 Goods consultants services and Operating Costs

under Part C of the Project 0 0 0

Grand Total (1+2+3) 196600000 831600000 5880865062

J ~~ Deputy General Manager - PIU


IFR 3

In INR

Reimbursable from Reimbursement

World Bank for age

Current Quarter

6 7=36

100 196600000

0

196600000




SrNo Contract no Description of Work WBR No amp Date of Supplier I WB NOC Consultant

Cacacitv Build ine (Comconent ll

Contract 1 Procurement Expert bullbull Contract No Individual

012014 (NOC Consultant Mr 170620141 Ketan Mandani Contract No

022014 (NOC Not

ii) Contract 2 Environment Expert required as it Individual

comes under Post Consultant

Review MrRohit Sineh Contract No

032014 (NOC Not Individual iii) Contract 3 Social Expert bull required as it Consultant

comes under Post MsPoonam Review) Mehta

Contract No 042014 (NOC Not Individual

iv) Contract 4 low Income Housing Finance Expert required as it Consultant Mr

comes under Post Venkateshwarlu Review) Prerepa

Proiect lmclementine Unit Component Ill)

il Contract l ii) Contract 2

Grand Tota l (1+21

Date of Contract

26-Jun-14

26-Nov-2014

and

Nov 27 2016

08-Jan-15

05-Jan-15

Contract Commence-ment Date of Amount (INR Date Completion

1500000 26-Jun-14 25-Jun-17

30-Nov-16 30-12-Jan-14 and 27-

2400000 June-17 amp 30-Nov-16

Jun-18

07-Jan-17 and 3399984 08-Jan-15

30-June-17

7200000 OS-Jan-15 04-Jan-19

IFR4

In INR

Amount paid - Current Amount paid - Amount paid -Quarter (CQ Apr 18 - Year to Date Cumulative to Date

Jun 18 (YTD) July 17 - (CTO)

June 18

10 11

1750000

474895 1374895 4595619

3765703

3396000

474895 1374895 13507322

bull bullPE cont racted for 150 mandays overa pe ri od of 3 years The Con t ract got t erminated duri ng Apr 15 since PE has completed 165 ma ndays Subsequen tly the services of PE ava iled du ring Nov 2015 fo r fra ming RFP bullSE resigned fro m the services we f 02032017 UHF contract was terminated wef 04032016

Technical Review for Component 11- Financial Support for Sustainable and Affordable Housing In INR

Financial Support Date of submission to Date of No

SrNo Name of Pll to Qualified

World Bank for Objection given Primary Lending

Technical Review by World Bank Institutions

Informal Pilots for

Total Amount Formal Primary Formal Primary Informal Primary Informal

Disbursed Borrowers Primary

Borrowers Borrowers Primary Borrowers

Borrowers

1 2 3 4 5 6 7 8 9 10

1 2

3 4 5

Grand Total Cumulative to Date

) ~k~~Mraquo-- ~ Deputy General Manager - PIU Deputy General Manager - PIU


Notes First Pro posals equivalent to $1 mn in each of the category mentioned in col 4 to 8 should be submitted to t he World Bank fo r technical review

d) The bank funds claimed during the reported period shown in the Project Financial Statements are eligible under the agreements However part amount received by NHB from Government of India The same are recorded in the books of accounts as assets amp liability Further necessary disclosures have also been made in the notes to accounts

e) The accounting and internal control systems underlying the project including material compliance with the Project Operational Manual and oversight over the Project funds were adequate and maintained throughout the audit period

f) Project funds have been provided to PLis that meet the eligibility criteria given in the Project Operational Manual and that the aggregate of the housing loans made to beneficiaries under each category (quadrant) is within the individual limits set forth in the Project Operational Manual

g) Contracts for consultancy services have been provided as per the agreed procedures During the FY 2017-18 no Contract has been given

For SN Nanda amp Co Chartered Accountants

FRN 000685N fl ~-tQ~t t(_f

S N Nanda Partner Partner M No 005909



infosnnconet


Respected Sir

Management Letter


PH 91-11-26227853 41731475 FAX 91-11-26227853










--- ~~M



bull






(E) above = ( F ) (A) - ( F )




Current Year 2017-18 2016-17 2015-16


685578165 2979711258 1483816674

832999895 1720407873 2663530557

0 0 0

0 0 0

0 0 0

1399895 2607873 5430557

0 0 0

831600000 1717800000 2658100000

831600000 1717800000 2658100000

-146021835 1261911258 -1174283326



155343443 491658453

209289829 184821962

0 0

0 184821962

0 18896635

4175190 0

0 165925327

205114639 302325096

205114639 302325096

-49771196 189333357


r-----s---=~ -] lt ---v YI-(_


(In~)


0 5796107993

302325096 5913375212

0 0

0 0

0 18896635

0 13613515

0 0

0 5880865062

0 5880865062

-84757069




Expenses Nil 5880865062 13613515






Schedule I


Date of Receipt by

SDR Exch Rate

USD Exch Rate


India 22-Aug-17 631458792 140870 8895360 640748 569968413 23-Mar-18 121975756 145438 1773991 651693 115609752

TOTAL 753434548 10669351 685578165

Schedule II




311213 302325096 - - - 302325096

310314 147499408 - - - 449824504

300614 18425919 - - - 468250423

300914 - 1915017 - - 470165440

311214 - 55591133 - - 525756573

310315 - 144506766 - - 670263339

300615 - 3101723 - - 673365062

300915 - - 220000000 - 893365062

311215 - - 188400000 - 1081765062

310316 - - 1934800000 - 3016565062

300616 - - 314900000 - 3331465062

300916 - - - 90000000 3421465062 311216 - - - 40000000 3461465062 310317 - - - 1020000000 4481465062 300617 - - - 567800000 5049265062 300917 - - - - - 5049265062 311217 - - - - 495300000 5544565062 310318 - - - - 139700000 5684265062 300618 - - - - 196600000 5880865062

Total 468250423 205114639 2658 100 000 1717800000 831600000








2016-17 2015-16 2014-15 2017-18




Total Receipts (B) 832999895 1720549539 2663288891 209289829




Component - II 831600000 1717800000 2658100000 205114639

Component - III 1399895 2749539 5188891 4175190





2013-14 2012-13

- -

165925327 302325096

Nil Nil

Nil Nil

Nil Nil

165925327 302325096

165925327 302325096

Nil Nil 165925327 302325096

- -

165925327 302325096

- -



Annexure 1

(In~)

Project to date

-

735614902

5158763675

Nil

Nil

5894378577

5894378577

Nil

5880865062

13513515

5894378577

-

SrNo

1

A

i)

ii)

B

Bl

I

II

i)

ii)

iii)

iv)

Ill

B2



Credit No 5283-IN




Apr 18 - Jun 2018

2 3

SOURCES OF FUNDS

IDA 196600000

NHB -


USES OF FUNDS
















July 17 - June 18

4

831600000

831600000

--

831600000

831600000

1399895

832999895

832999895








IFR 1

In INR

Cummulative to Date

CTD)

5

5880865062

5880865062

302325096

3 180 739966

2397800000

5880865062

13613515

5894478577

5894478577


IFR2




(Amt in INR)








Add as required















-- UHF Expert 0 0 3396000


Add as required






--Audit Fee 25000 100000

-- Travel

--Others 0 0 6193






~

Expenditure

1






collateral

Add as required









Add as required






-- Travel

-- Others







Credit No 5283-IN



IFR 3




2

I I

100 39100 - 39100

39100 000 39100


IN USO EQUIVALENT



quarters



Credit No 5283-IN










10

Avaas HFC 29-Jun-18 113244500 100000000 735 15 100000000 457200000 2167953675

Financers Ltd

India Shelter


29-Jun-18 110819000 96600000 735 10 96600000 96600000 772258580

Limited

Grand Total 224063500 196600000 196600000 553800000 2940212255


Notes




SNo

Name of the

Qualified PU

Grand Total

Nature of PU

(HFCbankMFlo

thers)

Date of


Os at the beginning

of the

quarter

Amount

Disbursed


quarter the quarter

In INR


the quarter A above

10 (out of 8)



Annex to IFR 2

INR




Formal Primary

Borrowers

11

Informal Primary

Borrowers

12

694553675

125658580

820212255

Formal Primary

Borrowers

13


Borrowers Borrowers

14 15

1473400000

646600000

2120000000

1

1

2

3



Credit No 5283-IN






2 3 4 5






Grand Total (1+2+3) 196600000 831600000 5880865062



IFR 3

In INR


World Bank for age

Current Quarter

6 7=36

100 196600000

0

196600000








022014 (NOC Not











Grand Tota l (1+21

Date of Contract

26-Jun-14

26-Nov-2014

and

Nov 27 2016

08-Jan-15

05-Jan-15


1500000 26-Jun-14 25-Jun-17

30-Nov-16 30-12-Jan-14 and 27-

2400000 June-17 amp 30-Nov-16

Jun-18

07-Jan-17 and 3399984 08-Jan-15

30-June-17

7200000 OS-Jan-15 04-Jan-19

IFR4

In INR



June 18

10 11

1750000

474895 1374895 4595619

3765703

3396000

474895 1374895 13507322







Informal Pilots for




Borrowers

1 2 3 4 5 6 7 8 9 10

1 2

3 4 5






infosnnconet


Respected Sir

Management Letter


PH 91-11-26227853 41731475 FAX 91-11-26227853










--- ~~M



bull






(E) above = ( F ) (A) - ( F )




Current Year 2017-18 2016-17 2015-16


685578165 2979711258 1483816674

832999895 1720407873 2663530557

0 0 0

0 0 0

0 0 0

1399895 2607873 5430557

0 0 0

831600000 1717800000 2658100000

831600000 1717800000 2658100000

-146021835 1261911258 -1174283326



155343443 491658453

209289829 184821962

0 0

0 184821962

0 18896635

4175190 0

0 165925327

205114639 302325096

205114639 302325096

-49771196 189333357


r-----s---=~ -] lt ---v YI-(_


(In~)


0 5796107993

302325096 5913375212

0 0

0 0

0 18896635

0 13613515

0 0

0 5880865062

0 5880865062

-84757069




Expenses Nil 5880865062 13613515






Schedule I


Date of Receipt by

SDR Exch Rate

USD Exch Rate


India 22-Aug-17 631458792 140870 8895360 640748 569968413 23-Mar-18 121975756 145438 1773991 651693 115609752

TOTAL 753434548 10669351 685578165

Schedule II




311213 302325096 - - - 302325096

310314 147499408 - - - 449824504

300614 18425919 - - - 468250423

300914 - 1915017 - - 470165440

311214 - 55591133 - - 525756573

310315 - 144506766 - - 670263339

300615 - 3101723 - - 673365062

300915 - - 220000000 - 893365062

311215 - - 188400000 - 1081765062

310316 - - 1934800000 - 3016565062

300616 - - 314900000 - 3331465062

300916 - - - 90000000 3421465062 311216 - - - 40000000 3461465062 310317 - - - 1020000000 4481465062 300617 - - - 567800000 5049265062 300917 - - - - - 5049265062 311217 - - - - 495300000 5544565062 310318 - - - - 139700000 5684265062 300618 - - - - 196600000 5880865062

Total 468250423 205114639 2658 100 000 1717800000 831600000








2016-17 2015-16 2014-15 2017-18




Total Receipts (B) 832999895 1720549539 2663288891 209289829




Component - II 831600000 1717800000 2658100000 205114639

Component - III 1399895 2749539 5188891 4175190





2013-14 2012-13

- -

165925327 302325096

Nil Nil

Nil Nil

Nil Nil

165925327 302325096

165925327 302325096

Nil Nil 165925327 302325096

- -

165925327 302325096

- -



Annexure 1

(In~)

Project to date

-

735614902

5158763675

Nil

Nil

5894378577

5894378577

Nil

5880865062

13513515

5894378577

-

SrNo

1

A

i)

ii)

B

Bl

I

II

i)

ii)

iii)

iv)

Ill

B2



Credit No 5283-IN




Apr 18 - Jun 2018

2 3

SOURCES OF FUNDS

IDA 196600000

NHB -


USES OF FUNDS
















July 17 - June 18

4

831600000

831600000

--

831600000

831600000

1399895

832999895

832999895








IFR 1

In INR

Cummulative to Date

CTD)

5

5880865062

5880865062

302325096

3 180 739966

2397800000

5880865062

13613515

5894478577

5894478577


IFR2




(Amt in INR)








Add as required















-- UHF Expert 0 0 3396000


Add as required






--Audit Fee 25000 100000

-- Travel

--Others 0 0 6193






~

Expenditure

1






collateral

Add as required









Add as required






-- Travel

-- Others







Credit No 5283-IN



IFR 3




2

I I

100 39100 - 39100

39100 000 39100


IN USO EQUIVALENT



quarters



Credit No 5283-IN










10

Avaas HFC 29-Jun-18 113244500 100000000 735 15 100000000 457200000 2167953675

Financers Ltd

India Shelter


29-Jun-18 110819000 96600000 735 10 96600000 96600000 772258580

Limited

Grand Total 224063500 196600000 196600000 553800000 2940212255


Notes




SNo

Name of the

Qualified PU

Grand Total

Nature of PU

(HFCbankMFlo

thers)

Date of


Os at the beginning

of the

quarter

Amount

Disbursed


quarter the quarter

In INR


the quarter A above

10 (out of 8)



Annex to IFR 2

INR




Formal Primary

Borrowers

11

Informal Primary

Borrowers

12

694553675

125658580

820212255

Formal Primary

Borrowers

13


Borrowers Borrowers

14 15

1473400000

646600000

2120000000

1

1

2

3



Credit No 5283-IN






2 3 4 5






Grand Total (1+2+3) 196600000 831600000 5880865062



IFR 3

In INR


World Bank for age

Current Quarter

6 7=36

100 196600000

0

196600000








022014 (NOC Not











Grand Tota l (1+21

Date of Contract

26-Jun-14

26-Nov-2014

and

Nov 27 2016

08-Jan-15

05-Jan-15


1500000 26-Jun-14 25-Jun-17

30-Nov-16 30-12-Jan-14 and 27-

2400000 June-17 amp 30-Nov-16

Jun-18

07-Jan-17 and 3399984 08-Jan-15

30-June-17

7200000 OS-Jan-15 04-Jan-19

IFR4

In INR



June 18

10 11

1750000

474895 1374895 4595619

3765703

3396000

474895 1374895 13507322







Informal Pilots for




Borrowers

1 2 3 4 5 6 7 8 9 10

1 2

3 4 5





bull






(E) above = ( F ) (A) - ( F )




Current Year 2017-18 2016-17 2015-16


685578165 2979711258 1483816674

832999895 1720407873 2663530557

0 0 0

0 0 0

0 0 0

1399895 2607873 5430557

0 0 0

831600000 1717800000 2658100000

831600000 1717800000 2658100000

-146021835 1261911258 -1174283326



155343443 491658453

209289829 184821962

0 0

0 184821962

0 18896635

4175190 0

0 165925327

205114639 302325096

205114639 302325096

-49771196 189333357


r-----s---=~ -] lt ---v YI-(_


(In~)


0 5796107993

302325096 5913375212

0 0

0 0

0 18896635

0 13613515

0 0

0 5880865062

0 5880865062

-84757069




Expenses Nil 5880865062 13613515






Schedule I


Date of Receipt by

SDR Exch Rate

USD Exch Rate


India 22-Aug-17 631458792 140870 8895360 640748 569968413 23-Mar-18 121975756 145438 1773991 651693 115609752

TOTAL 753434548 10669351 685578165

Schedule II




311213 302325096 - - - 302325096

310314 147499408 - - - 449824504

300614 18425919 - - - 468250423

300914 - 1915017 - - 470165440

311214 - 55591133 - - 525756573

310315 - 144506766 - - 670263339

300615 - 3101723 - - 673365062

300915 - - 220000000 - 893365062

311215 - - 188400000 - 1081765062

310316 - - 1934800000 - 3016565062

300616 - - 314900000 - 3331465062

300916 - - - 90000000 3421465062 311216 - - - 40000000 3461465062 310317 - - - 1020000000 4481465062 300617 - - - 567800000 5049265062 300917 - - - - - 5049265062 311217 - - - - 495300000 5544565062 310318 - - - - 139700000 5684265062 300618 - - - - 196600000 5880865062

Total 468250423 205114639 2658 100 000 1717800000 831600000








2016-17 2015-16 2014-15 2017-18




Total Receipts (B) 832999895 1720549539 2663288891 209289829




Component - II 831600000 1717800000 2658100000 205114639

Component - III 1399895 2749539 5188891 4175190





2013-14 2012-13

- -

165925327 302325096

Nil Nil

Nil Nil

Nil Nil

165925327 302325096

165925327 302325096

Nil Nil 165925327 302325096

- -

165925327 302325096

- -



Annexure 1

(In~)

Project to date

-

735614902

5158763675

Nil

Nil

5894378577

5894378577

Nil

5880865062

13513515

5894378577

-

SrNo

1

A

i)

ii)

B

Bl

I

II

i)

ii)

iii)

iv)

Ill

B2



Credit No 5283-IN




Apr 18 - Jun 2018

2 3

SOURCES OF FUNDS

IDA 196600000

NHB -


USES OF FUNDS
















July 17 - June 18

4

831600000

831600000

--

831600000

831600000

1399895

832999895

832999895








IFR 1

In INR

Cummulative to Date

CTD)

5

5880865062

5880865062

302325096

3 180 739966

2397800000

5880865062

13613515

5894478577

5894478577


IFR2




(Amt in INR)








Add as required















-- UHF Expert 0 0 3396000


Add as required






--Audit Fee 25000 100000

-- Travel

--Others 0 0 6193






~

Expenditure

1






collateral

Add as required









Add as required






-- Travel

-- Others







Credit No 5283-IN



IFR 3




2

I I

100 39100 - 39100

39100 000 39100


IN USO EQUIVALENT



quarters



Credit No 5283-IN










10

Avaas HFC 29-Jun-18 113244500 100000000 735 15 100000000 457200000 2167953675

Financers Ltd

India Shelter


29-Jun-18 110819000 96600000 735 10 96600000 96600000 772258580

Limited

Grand Total 224063500 196600000 196600000 553800000 2940212255


Notes




SNo

Name of the

Qualified PU

Grand Total

Nature of PU

(HFCbankMFlo

thers)

Date of


Os at the beginning

of the

quarter

Amount

Disbursed


quarter the quarter

In INR


the quarter A above

10 (out of 8)



Annex to IFR 2

INR




Formal Primary

Borrowers

11

Informal Primary

Borrowers

12

694553675

125658580

820212255

Formal Primary

Borrowers

13


Borrowers Borrowers

14 15

1473400000

646600000

2120000000

1

1

2

3



Credit No 5283-IN






2 3 4 5






Grand Total (1+2+3) 196600000 831600000 5880865062



IFR 3

In INR


World Bank for age

Current Quarter

6 7=36

100 196600000

0

196600000








022014 (NOC Not











Grand Tota l (1+21

Date of Contract

26-Jun-14

26-Nov-2014

and

Nov 27 2016

08-Jan-15

05-Jan-15


1500000 26-Jun-14 25-Jun-17

30-Nov-16 30-12-Jan-14 and 27-

2400000 June-17 amp 30-Nov-16

Jun-18

07-Jan-17 and 3399984 08-Jan-15

30-June-17

7200000 OS-Jan-15 04-Jan-19

IFR4

In INR



June 18

10 11

1750000

474895 1374895 4595619

3765703

3396000

474895 1374895 13507322







Informal Pilots for




Borrowers

1 2 3 4 5 6 7 8 9 10

1 2

3 4 5








Expenses Nil 5880865062 13613515






Schedule I


Date of Receipt by

SDR Exch Rate

USD Exch Rate


India 22-Aug-17 631458792 140870 8895360 640748 569968413 23-Mar-18 121975756 145438 1773991 651693 115609752

TOTAL 753434548 10669351 685578165

Schedule II




311213 302325096 - - - 302325096

310314 147499408 - - - 449824504

300614 18425919 - - - 468250423

300914 - 1915017 - - 470165440

311214 - 55591133 - - 525756573

310315 - 144506766 - - 670263339

300615 - 3101723 - - 673365062

300915 - - 220000000 - 893365062

311215 - - 188400000 - 1081765062

310316 - - 1934800000 - 3016565062

300616 - - 314900000 - 3331465062

300916 - - - 90000000 3421465062 311216 - - - 40000000 3461465062 310317 - - - 1020000000 4481465062 300617 - - - 567800000 5049265062 300917 - - - - - 5049265062 311217 - - - - 495300000 5544565062 310318 - - - - 139700000 5684265062 300618 - - - - 196600000 5880865062

Total 468250423 205114639 2658 100 000 1717800000 831600000








2016-17 2015-16 2014-15 2017-18




Total Receipts (B) 832999895 1720549539 2663288891 209289829




Component - II 831600000 1717800000 2658100000 205114639

Component - III 1399895 2749539 5188891 4175190





2013-14 2012-13

- -

165925327 302325096

Nil Nil

Nil Nil

Nil Nil

165925327 302325096

165925327 302325096

Nil Nil 165925327 302325096

- -

165925327 302325096

- -



Annexure 1

(In~)

Project to date

-

735614902

5158763675

Nil

Nil

5894378577

5894378577

Nil

5880865062

13513515

5894378577

-

SrNo

1

A

i)

ii)

B

Bl

I

II

i)

ii)

iii)

iv)

Ill

B2



Credit No 5283-IN




Apr 18 - Jun 2018

2 3

SOURCES OF FUNDS

IDA 196600000

NHB -


USES OF FUNDS
















July 17 - June 18

4

831600000

831600000

--

831600000

831600000

1399895

832999895

832999895








IFR 1

In INR

Cummulative to Date

CTD)

5

5880865062

5880865062

302325096

3 180 739966

2397800000

5880865062

13613515

5894478577

5894478577


IFR2




(Amt in INR)








Add as required















-- UHF Expert 0 0 3396000


Add as required






--Audit Fee 25000 100000

-- Travel

--Others 0 0 6193






~

Expenditure

1






collateral

Add as required









Add as required






-- Travel

-- Others







Credit No 5283-IN



IFR 3




2

I I

100 39100 - 39100

39100 000 39100


IN USO EQUIVALENT



quarters



Credit No 5283-IN










10

Avaas HFC 29-Jun-18 113244500 100000000 735 15 100000000 457200000 2167953675

Financers Ltd

India Shelter


29-Jun-18 110819000 96600000 735 10 96600000 96600000 772258580

Limited

Grand Total 224063500 196600000 196600000 553800000 2940212255


Notes




SNo

Name of the

Qualified PU

Grand Total

Nature of PU

(HFCbankMFlo

thers)

Date of


Os at the beginning

of the

quarter

Amount

Disbursed


quarter the quarter

In INR


the quarter A above

10 (out of 8)



Annex to IFR 2

INR




Formal Primary

Borrowers

11

Informal Primary

Borrowers

12

694553675

125658580

820212255

Formal Primary

Borrowers

13


Borrowers Borrowers

14 15

1473400000

646600000

2120000000

1

1

2

3



Credit No 5283-IN






2 3 4 5






Grand Total (1+2+3) 196600000 831600000 5880865062



IFR 3

In INR


World Bank for age

Current Quarter

6 7=36

100 196600000

0

196600000








022014 (NOC Not











Grand Tota l (1+21

Date of Contract

26-Jun-14

26-Nov-2014

and

Nov 27 2016

08-Jan-15

05-Jan-15


1500000 26-Jun-14 25-Jun-17

30-Nov-16 30-12-Jan-14 and 27-

2400000 June-17 amp 30-Nov-16

Jun-18

07-Jan-17 and 3399984 08-Jan-15

30-June-17

7200000 OS-Jan-15 04-Jan-19

IFR4

In INR



June 18

10 11

1750000

474895 1374895 4595619

3765703

3396000

474895 1374895 13507322







Informal Pilots for




Borrowers

1 2 3 4 5 6 7 8 9 10

1 2

3 4 5





Schedule I


Date of Receipt by

SDR Exch Rate

USD Exch Rate


India 22-Aug-17 631458792 140870 8895360 640748 569968413 23-Mar-18 121975756 145438 1773991 651693 115609752

TOTAL 753434548 10669351 685578165

Schedule II




311213 302325096 - - - 302325096

310314 147499408 - - - 449824504

300614 18425919 - - - 468250423

300914 - 1915017 - - 470165440

311214 - 55591133 - - 525756573

310315 - 144506766 - - 670263339

300615 - 3101723 - - 673365062

300915 - - 220000000 - 893365062

311215 - - 188400000 - 1081765062

310316 - - 1934800000 - 3016565062

300616 - - 314900000 - 3331465062

300916 - - - 90000000 3421465062 311216 - - - 40000000 3461465062 310317 - - - 1020000000 4481465062 300617 - - - 567800000 5049265062 300917 - - - - - 5049265062 311217 - - - - 495300000 5544565062 310318 - - - - 139700000 5684265062 300618 - - - - 196600000 5880865062

Total 468250423 205114639 2658 100 000 1717800000 831600000








2016-17 2015-16 2014-15 2017-18




Total Receipts (B) 832999895 1720549539 2663288891 209289829




Component - II 831600000 1717800000 2658100000 205114639

Component - III 1399895 2749539 5188891 4175190





2013-14 2012-13

- -

165925327 302325096

Nil Nil

Nil Nil

Nil Nil

165925327 302325096

165925327 302325096

Nil Nil 165925327 302325096

- -

165925327 302325096

- -



Annexure 1

(In~)

Project to date

-

735614902

5158763675

Nil

Nil

5894378577

5894378577

Nil

5880865062

13513515

5894378577

-

SrNo

1

A

i)

ii)

B

Bl

I

II

i)

ii)

iii)

iv)

Ill

B2



Credit No 5283-IN




Apr 18 - Jun 2018

2 3

SOURCES OF FUNDS

IDA 196600000

NHB -


USES OF FUNDS
















July 17 - June 18

4

831600000

831600000

--

831600000

831600000

1399895

832999895

832999895








IFR 1

In INR

Cummulative to Date

CTD)

5

5880865062

5880865062

302325096

3 180 739966

2397800000

5880865062

13613515

5894478577

5894478577


IFR2




(Amt in INR)








Add as required















-- UHF Expert 0 0 3396000


Add as required






--Audit Fee 25000 100000

-- Travel

--Others 0 0 6193






~

Expenditure

1






collateral

Add as required









Add as required






-- Travel

-- Others







Credit No 5283-IN



IFR 3




2

I I

100 39100 - 39100

39100 000 39100


IN USO EQUIVALENT



quarters



Credit No 5283-IN










10

Avaas HFC 29-Jun-18 113244500 100000000 735 15 100000000 457200000 2167953675

Financers Ltd

India Shelter


29-Jun-18 110819000 96600000 735 10 96600000 96600000 772258580

Limited

Grand Total 224063500 196600000 196600000 553800000 2940212255


Notes




SNo

Name of the

Qualified PU

Grand Total

Nature of PU

(HFCbankMFlo

thers)

Date of


Os at the beginning

of the

quarter

Amount

Disbursed


quarter the quarter

In INR


the quarter A above

10 (out of 8)



Annex to IFR 2

INR




Formal Primary

Borrowers

11

Informal Primary

Borrowers

12

694553675

125658580

820212255

Formal Primary

Borrowers

13


Borrowers Borrowers

14 15

1473400000

646600000

2120000000

1

1

2

3



Credit No 5283-IN






2 3 4 5






Grand Total (1+2+3) 196600000 831600000 5880865062



IFR 3

In INR


World Bank for age

Current Quarter

6 7=36

100 196600000

0

196600000








022014 (NOC Not











Grand Tota l (1+21

Date of Contract

26-Jun-14

26-Nov-2014

and

Nov 27 2016

08-Jan-15

05-Jan-15


1500000 26-Jun-14 25-Jun-17

30-Nov-16 30-12-Jan-14 and 27-

2400000 June-17 amp 30-Nov-16

Jun-18

07-Jan-17 and 3399984 08-Jan-15

30-June-17

7200000 OS-Jan-15 04-Jan-19

IFR4

In INR



June 18

10 11

1750000

474895 1374895 4595619

3765703

3396000

474895 1374895 13507322







Informal Pilots for




Borrowers

1 2 3 4 5 6 7 8 9 10

1 2

3 4 5








2016-17 2015-16 2014-15 2017-18




Total Receipts (B) 832999895 1720549539 2663288891 209289829




Component - II 831600000 1717800000 2658100000 205114639

Component - III 1399895 2749539 5188891 4175190





2013-14 2012-13

- -

165925327 302325096

Nil Nil

Nil Nil

Nil Nil

165925327 302325096

165925327 302325096

Nil Nil 165925327 302325096

- -

165925327 302325096

- -



Annexure 1

(In~)

Project to date

-

735614902

5158763675

Nil

Nil

5894378577

5894378577

Nil

5880865062

13513515

5894378577

-

SrNo

1

A

i)

ii)

B

Bl

I

II

i)

ii)

iii)

iv)

Ill

B2



Credit No 5283-IN




Apr 18 - Jun 2018

2 3

SOURCES OF FUNDS

IDA 196600000

NHB -


USES OF FUNDS
















July 17 - June 18

4

831600000

831600000

--

831600000

831600000

1399895

832999895

832999895








IFR 1

In INR

Cummulative to Date

CTD)

5

5880865062

5880865062

302325096

3 180 739966

2397800000

5880865062

13613515

5894478577

5894478577


IFR2




(Amt in INR)








Add as required















-- UHF Expert 0 0 3396000


Add as required






--Audit Fee 25000 100000

-- Travel

--Others 0 0 6193






~

Expenditure

1






collateral

Add as required









Add as required






-- Travel

-- Others







Credit No 5283-IN



IFR 3




2

I I

100 39100 - 39100

39100 000 39100


IN USO EQUIVALENT



quarters



Credit No 5283-IN










10

Avaas HFC 29-Jun-18 113244500 100000000 735 15 100000000 457200000 2167953675

Financers Ltd

India Shelter


29-Jun-18 110819000 96600000 735 10 96600000 96600000 772258580

Limited

Grand Total 224063500 196600000 196600000 553800000 2940212255


Notes




SNo

Name of the

Qualified PU

Grand Total

Nature of PU

(HFCbankMFlo

thers)

Date of


Os at the beginning

of the

quarter

Amount

Disbursed


quarter the quarter

In INR


the quarter A above

10 (out of 8)



Annex to IFR 2

INR




Formal Primary

Borrowers

11

Informal Primary

Borrowers

12

694553675

125658580

820212255

Formal Primary

Borrowers

13


Borrowers Borrowers

14 15

1473400000

646600000

2120000000

1

1

2

3



Credit No 5283-IN






2 3 4 5






Grand Total (1+2+3) 196600000 831600000 5880865062



IFR 3

In INR


World Bank for age

Current Quarter

6 7=36

100 196600000

0

196600000








022014 (NOC Not











Grand Tota l (1+21

Date of Contract

26-Jun-14

26-Nov-2014

and

Nov 27 2016

08-Jan-15

05-Jan-15


1500000 26-Jun-14 25-Jun-17

30-Nov-16 30-12-Jan-14 and 27-

2400000 June-17 amp 30-Nov-16

Jun-18

07-Jan-17 and 3399984 08-Jan-15

30-June-17

7200000 OS-Jan-15 04-Jan-19

IFR4

In INR



June 18

10 11

1750000

474895 1374895 4595619

3765703

3396000

474895 1374895 13507322







Informal Pilots for




Borrowers

1 2 3 4 5 6 7 8 9 10

1 2

3 4 5





SrNo

1

A

i)

ii)

B

Bl

I

II

i)

ii)

iii)

iv)

Ill

B2



Credit No 5283-IN




Apr 18 - Jun 2018

2 3

SOURCES OF FUNDS

IDA 196600000

NHB -


USES OF FUNDS
















July 17 - June 18

4

831600000

831600000

--

831600000

831600000

1399895

832999895

832999895








IFR 1

In INR

Cummulative to Date

CTD)

5

5880865062

5880865062

302325096

3 180 739966

2397800000

5880865062

13613515

5894478577

5894478577


IFR2




(Amt in INR)








Add as required















-- UHF Expert 0 0 3396000


Add as required






--Audit Fee 25000 100000

-- Travel

--Others 0 0 6193






~

Expenditure

1






collateral

Add as required









Add as required






-- Travel

-- Others







Credit No 5283-IN



IFR 3




2

I I

100 39100 - 39100

39100 000 39100


IN USO EQUIVALENT



quarters



Credit No 5283-IN










10

Avaas HFC 29-Jun-18 113244500 100000000 735 15 100000000 457200000 2167953675

Financers Ltd

India Shelter


29-Jun-18 110819000 96600000 735 10 96600000 96600000 772258580

Limited

Grand Total 224063500 196600000 196600000 553800000 2940212255


Notes




SNo

Name of the

Qualified PU

Grand Total

Nature of PU

(HFCbankMFlo

thers)

Date of


Os at the beginning

of the

quarter

Amount

Disbursed


quarter the quarter

In INR


the quarter A above

10 (out of 8)



Annex to IFR 2

INR




Formal Primary

Borrowers

11

Informal Primary

Borrowers

12

694553675

125658580

820212255

Formal Primary

Borrowers

13


Borrowers Borrowers

14 15

1473400000

646600000

2120000000

1

1

2

3



Credit No 5283-IN






2 3 4 5






Grand Total (1+2+3) 196600000 831600000 5880865062



IFR 3

In INR


World Bank for age

Current Quarter

6 7=36

100 196600000

0

196600000








022014 (NOC Not











Grand Tota l (1+21

Date of Contract

26-Jun-14

26-Nov-2014

and

Nov 27 2016

08-Jan-15

05-Jan-15


1500000 26-Jun-14 25-Jun-17

30-Nov-16 30-12-Jan-14 and 27-

2400000 June-17 amp 30-Nov-16

Jun-18

07-Jan-17 and 3399984 08-Jan-15

30-June-17

7200000 OS-Jan-15 04-Jan-19

IFR4

In INR



June 18

10 11

1750000

474895 1374895 4595619

3765703

3396000

474895 1374895 13507322







Informal Pilots for




Borrowers

1 2 3 4 5 6 7 8 9 10

1 2

3 4 5






IFR2




(Amt in INR)








Add as required















-- UHF Expert 0 0 3396000


Add as required






--Audit Fee 25000 100000

-- Travel

--Others 0 0 6193






~

Expenditure

1






collateral

Add as required









Add as required






-- Travel

-- Others







Credit No 5283-IN



IFR 3




2

I I

100 39100 - 39100

39100 000 39100


IN USO EQUIVALENT



quarters



Credit No 5283-IN










10

Avaas HFC 29-Jun-18 113244500 100000000 735 15 100000000 457200000 2167953675

Financers Ltd

India Shelter


29-Jun-18 110819000 96600000 735 10 96600000 96600000 772258580

Limited

Grand Total 224063500 196600000 196600000 553800000 2940212255


Notes




SNo

Name of the

Qualified PU

Grand Total

Nature of PU

(HFCbankMFlo

thers)

Date of


Os at the beginning

of the

quarter

Amount

Disbursed


quarter the quarter

In INR


the quarter A above

10 (out of 8)



Annex to IFR 2

INR




Formal Primary

Borrowers

11

Informal Primary

Borrowers

12

694553675

125658580

820212255

Formal Primary

Borrowers

13


Borrowers Borrowers

14 15

1473400000

646600000

2120000000

1

1

2

3



Credit No 5283-IN






2 3 4 5






Grand Total (1+2+3) 196600000 831600000 5880865062



IFR 3

In INR


World Bank for age

Current Quarter

6 7=36

100 196600000

0

196600000








022014 (NOC Not











Grand Tota l (1+21

Date of Contract

26-Jun-14

26-Nov-2014

and

Nov 27 2016

08-Jan-15

05-Jan-15


1500000 26-Jun-14 25-Jun-17

30-Nov-16 30-12-Jan-14 and 27-

2400000 June-17 amp 30-Nov-16

Jun-18

07-Jan-17 and 3399984 08-Jan-15

30-June-17

7200000 OS-Jan-15 04-Jan-19

IFR4

In INR



June 18

10 11

1750000

474895 1374895 4595619

3765703

3396000

474895 1374895 13507322







Informal Pilots for




Borrowers

1 2 3 4 5 6 7 8 9 10

1 2

3 4 5





Expenditure

1






collateral

Add as required









Add as required






-- Travel

-- Others







Credit No 5283-IN



IFR 3




2

I I

100 39100 - 39100

39100 000 39100


IN USO EQUIVALENT



quarters



Credit No 5283-IN










10

Avaas HFC 29-Jun-18 113244500 100000000 735 15 100000000 457200000 2167953675

Financers Ltd

India Shelter


29-Jun-18 110819000 96600000 735 10 96600000 96600000 772258580

Limited

Grand Total 224063500 196600000 196600000 553800000 2940212255


Notes




SNo

Name of the

Qualified PU

Grand Total

Nature of PU

(HFCbankMFlo

thers)

Date of


Os at the beginning

of the

quarter

Amount

Disbursed


quarter the quarter

In INR


the quarter A above

10 (out of 8)



Annex to IFR 2

INR




Formal Primary

Borrowers

11

Informal Primary

Borrowers

12

694553675

125658580

820212255

Formal Primary

Borrowers

13


Borrowers Borrowers

14 15

1473400000

646600000

2120000000

1

1

2

3



Credit No 5283-IN






2 3 4 5






Grand Total (1+2+3) 196600000 831600000 5880865062



IFR 3

In INR


World Bank for age

Current Quarter

6 7=36

100 196600000

0

196600000








022014 (NOC Not











Grand Tota l (1+21

Date of Contract

26-Jun-14

26-Nov-2014

and

Nov 27 2016

08-Jan-15

05-Jan-15


1500000 26-Jun-14 25-Jun-17

30-Nov-16 30-12-Jan-14 and 27-

2400000 June-17 amp 30-Nov-16

Jun-18

07-Jan-17 and 3399984 08-Jan-15

30-June-17

7200000 OS-Jan-15 04-Jan-19

IFR4

In INR



June 18

10 11

1750000

474895 1374895 4595619

3765703

3396000

474895 1374895 13507322







Informal Pilots for




Borrowers

1 2 3 4 5 6 7 8 9 10

1 2

3 4 5







Credit No 5283-IN










10

Avaas HFC 29-Jun-18 113244500 100000000 735 15 100000000 457200000 2167953675

Financers Ltd

India Shelter


29-Jun-18 110819000 96600000 735 10 96600000 96600000 772258580

Limited

Grand Total 224063500 196600000 196600000 553800000 2940212255


Notes




SNo

Name of the

Qualified PU

Grand Total

Nature of PU

(HFCbankMFlo

thers)

Date of


Os at the beginning

of the

quarter

Amount

Disbursed


quarter the quarter

In INR


the quarter A above

10 (out of 8)



Annex to IFR 2

INR




Formal Primary

Borrowers

11

Informal Primary

Borrowers

12

694553675

125658580

820212255

Formal Primary

Borrowers

13


Borrowers Borrowers

14 15

1473400000

646600000

2120000000

1

1

2

3



Credit No 5283-IN






2 3 4 5






Grand Total (1+2+3) 196600000 831600000 5880865062



IFR 3

In INR


World Bank for age

Current Quarter

6 7=36

100 196600000

0

196600000








022014 (NOC Not











Grand Tota l (1+21

Date of Contract

26-Jun-14

26-Nov-2014

and

Nov 27 2016

08-Jan-15

05-Jan-15


1500000 26-Jun-14 25-Jun-17

30-Nov-16 30-12-Jan-14 and 27-

2400000 June-17 amp 30-Nov-16

Jun-18

07-Jan-17 and 3399984 08-Jan-15

30-June-17

7200000 OS-Jan-15 04-Jan-19

IFR4

In INR



June 18

10 11

1750000

474895 1374895 4595619

3765703

3396000

474895 1374895 13507322







Informal Pilots for




Borrowers

1 2 3 4 5 6 7 8 9 10

1 2

3 4 5





1

1

2

3



Credit No 5283-IN






2 3 4 5






Grand Total (1+2+3) 196600000 831600000 5880865062



IFR 3

In INR


World Bank for age

Current Quarter

6 7=36

100 196600000

0

196600000








022014 (NOC Not











Grand Tota l (1+21

Date of Contract

26-Jun-14

26-Nov-2014

and

Nov 27 2016

08-Jan-15

05-Jan-15


1500000 26-Jun-14 25-Jun-17

30-Nov-16 30-12-Jan-14 and 27-

2400000 June-17 amp 30-Nov-16

Jun-18

07-Jan-17 and 3399984 08-Jan-15

30-June-17

7200000 OS-Jan-15 04-Jan-19

IFR4

In INR



June 18

10 11

1750000

474895 1374895 4595619

3765703

3396000

474895 1374895 13507322







Informal Pilots for




Borrowers

1 2 3 4 5 6 7 8 9 10

1 2

3 4 5











022014 (NOC Not











Grand Tota l (1+21

Date of Contract

26-Jun-14

26-Nov-2014

and

Nov 27 2016

08-Jan-15

05-Jan-15


1500000 26-Jun-14 25-Jun-17

30-Nov-16 30-12-Jan-14 and 27-

2400000 June-17 amp 30-Nov-16

Jun-18

07-Jan-17 and 3399984 08-Jan-15

30-June-17

7200000 OS-Jan-15 04-Jan-19

IFR4

In INR



June 18

10 11

1750000

474895 1374895 4595619

3765703

3396000

474895 1374895 13507322







Informal Pilots for




Borrowers

1 2 3 4 5 6 7 8 9 10

1 2

3 4 5





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