hdfc deposit forms

HDFC DEPOSITSINDIVIDUALS

Our loan facilities : Housing loans, Home Improvement loans, Home Extension loans,Loans to Professionals and much more

HOUSING DEVELOPMENT FINANCE CORPORATION LIMITEDRegd. Office: Ramon House, H T Parekh Marg, 169, Backbay Reclamation, Churchgate, Mumbai 400 020.Phones: 022-67546060 (for Deposits only) Toll Free No. 1-800-22-2022 (From MTNL & BSNL Phones)CIN: L70100MH1977PLC019916 Email: [email protected] Website: www.hdfc.com

CRISIL has reaffirmed "CRISIL FAAA/S table"rating.ICRA has reaffirmed "MAAA" rating withStable outlook.

AAA Rating for 21 consecutive yearsLoan against deposit is available after 3 months fromthe date of deposit upto 75% of the deposit amount,subject to the terms and conditions framed by HDFC.Interest on such loans will be 2% above the deposit rate.This facility is not available for deposits from minorsand NRIs.

QUICK LOAN FACILITY

* For cumulative option, Interest is compounded annually.

12 - 23 Months 7.95% 8.00% 8.10% – 8.25%

24 - 60 Months 7.95% 8.00% 8.10% 8.25% 8.25%

Minimum Amount (`) 40,000 20,000 20,000 20,000 20,000

INTEREST RATES ON DEPOSITS UPTO ` 5 CROREFixed & Variable Rates Rate of Interest (p.a.)

12 - 23 Months 7.85% 7.90% 8.00% – 8.15%

24 - 60 Months 7.85% 7.90% 8.00% 8.15% 8.15%

Period AnnualIncome Plan

Half-YearlyOption

QuarterlyOption

MonthlyIncome Plan

CumulativeOption*

Period AnnualIncome Plan

Half-YearlyOption

QuarterlyOption

MonthlyIncome Plan

CumulativeOption*

INTEREST RATES ON DEPOSITS EXCEEDING ` 5 CRORE

* For cumulative option, Interest is compounded annually. # for 30 months only

Period

15 / 30 Months 8.05% 8.10% 8.20% 8.35%# 8.35%

22 / 44 Months 8.10% 8.15% 8.25% 8.40% 8.40%

Minimum Amount (`) 40,000 20,000 20,000 20,000 20,000

AnnualIncome Plan

Half-YearlyOption

QuarterlyOption

MonthlyIncome Plan

CumulativeOption*

HDFC PREMIUM DEPOSITS UPTO ` 2 CROREFixed Rates only Rate of Interest (p.a.)

RATES EFFECTIVE FROMAPRIL 27, 2016

Additional Interest Rate (for Deposits upto `̀̀̀̀ 1 crore only) 0.25% p.a.

Senior Citizen (60 years and above)

Cheque should be drawn in favour of "HDFC Ltd." and marked “Account Payee only”

lllll INTEREST RATES ARE SUBJECT TO CHANGE AND THE RATE APPLICABLE WILL BE THE RATE PREVALENT ON THE DATE OF DEPOSIT.

We also accept Deposits from Religious Trusts, Educational Institutions & Charitable Trusts

For HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED

VALID SUBJECT TO REALISATION OF CHEQUE Authorised Signatory

PROVISIONAL RECEIPTwww.hdfc .com Date: _____/_____/__________

Received from ___________________________________________________________ cheque/HDFC Deposit Receipt No. __________________________ for

` _____________________ dated ______________ drawn on ___________________________________ Bank ______________________________ Branch towards

❑ Deposit for Senior Citizens ❑ Monthly Income Plan ❑ Non-Cumulative (❑ Quarterly ❑ Half-Yearly) ❑ Annual Income Plan ❑ Cumulative

❑ Double Money for a period of _____ months @ _______% per annum.

Toll Free No. 1-800-22-2022 (From MTNL & BSNL Phones)

The commission is paid upfront for the entire period of deposit to our authorised agent. In case of

premature withdrawal, the commission is payable for the period completed and excess commission

paid will be recovered from the deposit amount.

RENEWAL AND REPAYMENT OF DEPOSITFor renewal or repayment of deposit, the duly discharged deposit receipt must be surrendered to HDFC

atleast a week before the date of maturity. In case of renewal, the prescribed application form signed by

all depositors is also required to be submitted simultaneously.

If the date of maturity falls on any day on which HDFC's office remains closed, repayment will be made

on the next working day. Repayment of deposit will be made by "Accout Payee" cheque drawn favouring

the first depositor or by crediting the amount directly to first depositor's bank account through NEFT/

RTGS, based on request from the depositor.

NOMINATION FACILITYOnly individual depositor/s, singly or jointly, can nominate a single person under this facility. In case the

deposit is placed in the name of a minor, nomination can be made only by a person lawfully entitled to

act on behalf of the minor. Power of attorney holder or any person acting in representative capacity as

holder of an office or otherwise cannot nominate. The nominee shall have the right to receive the amount

due in respect of the deposit and payment by HDFC to the nominee shall constitute full discharge to HDFC

of its liabilty in respect of the deposit. Nominees' name will be printed on the Deposit Receipt, unless

mentioned otherwise. In case of thumb impression of the depositor/s, nomination has to be attested by

two witnesses. In such cases, separate Form DA-1 may be downloaded from our website.

KNOW YOUR CUSTOMER (KYC)In terms of the Prevention of Money Laundering Act, 2002, the rules notified thereunder and KYC

Guidelines issued by the National Housing Bank (NHB), every depositor is required to comply with the

KYC requirements by submitting the following documents :

a) Latest photograph b) Self-certified copy of the proof of identify c) Self-certified copy of the proof of

address. In case the depositor has already submitted the above documents in his earlier deposit, then he

need not submit the above documents again, but has to provide the reference of his customer number.

GENERALIn the event of death of the first / sole depositor, repayment of deposit and payment of interest will be

made to the joint depositor first in order of survivor/s / nominee on submission of death certificate

without reference to the heirs and/or legal representatives of the deceased.

Any discharge given by the first-named depositor for principal and/or interest will be valid and binding

on all joint depositors. Deposits with HDFC are not transferable. Applications should be complete in all

respects and HDFC has a right to accept or reject any application without notice, subject to the Housing

Finance Companies (NHB) Directions, 2010.

Shareholders, Home Loan customers, customers referred by staff and high value depositors may be

offered an additional interest rate as decided by management from time to time. In case such deposits are

generated through our authorised agents, commission on such deposits would be adjusted appropriately.

CRISIL has reaffirmed "CRISIL FAAA/Stable" rating for our Deposits Programme. Instruments with this

rating are considered to have the highest degree of safety regarding timely servicing of financial obligations.

Such instruments carry lowest credit risk.

ICRA has reaffirmed "MAAA" rating with Stable outlook to our Deposits Programme. This rating is the

highest credit quality rating assigned by ICRA. The rated deposit programme carries the lowest credit risk.

Total amount of exposure including the non-fund based facilities, to companies in the same group or other

entities or business ventures in which directors and/or the Corporation are holding substantial interest

as on March 31, 2015 was ̀ 10,342.61 crores.

The deposits solicited by the Corporation are not insured.

HDFC has a right to change, amend, add or delete the terms and conditions without notice, subject to the

Housing Finance Companies (NHB) Directions, 2010, as applicable, from time to time.

In case of any deficiency of the Corporation in servicing its deposits, the depositor may approach the

National Consumers Disputes Redressal Forum, the State Level Consumers Disputes Redressal Forum

or the District Level Consumers Dispute Redressal Forum for relief.

In case of non-repayment of the deposit or part thereof in accordance with the terms and conditions of the

deposit, the depositor may make an application to an authorised officer of the National Housing Bank.

The financial position of the Corporation as disclosed and the representations made in the application

form are true and correct and that the Corporation and its board of directors are responsible for the

correctness and veracity thereof.

The deposit acceptance activities of the Corporation are regulated by the National Housing Bank. It

must, however, be distinctly understood that the National Housing Bank does not undertake any

responsibility for the financial soundness of the Corporation or for the correctness of any of the statements

or the representations made or opinions expressed by the Corporation, and for repayment of deposit/

discharge of liabilities by the Corporation. HDFC Deposits programme is designed in accordance with

NHB Regulations with the objective to channelise resources for housing.

FOR AUTHORISED AGENTSAgents are not authorised to accept cash from depositors or issue receipt on behalf of HDFC

for deposits. Please ensure that your name and code number is clearly mentioned in the box provided

in the application form to enable payment of commission. Application forms received without your name

and code number will not be considered for payment of commission. Commission will be paid to authorised

agents at the rate decided by the management, from time to time.

TERMS & CONDITIONS

DEPOSIT CAN BE PLACED BYResident Individual, Minor through guardian & Hindu Undivided Family (who is not a tax-residentof any country other than India).

MODE OF ACCEPTANCEa) Through an account payee cheque favouring “HDFC Ltd”; orb) Remittance of funds through RTGS, NEFT or fund transfer into HDFC’s bank account on any workingday (other than Saturday). In case the deposit amount is Rs. 25 lacs or more, the depositor mustintimate HDFC latest by 12.30 pm on the day of remittance so that interest shall accrue from that date;else interest shall accrue from the next working day.Bank Account details for remittance of funds:Beneficiary Name: HDFC LTD.Account No.: HDFCFD+Depositor’s PAN (i.e. if PAN of the depositor is ABCDE1234Z then accountnumber should be mentioned as HDFCFDABCDE1234Z)IFSC Code: HDFC0000060Bank Name & Branch: HDFC Bank Ltd, Fort Branch, Mumbai

INTERESTInterest will be payable on the deposit from the date of realisation of cheque or fund transfer to HDFC'sbank account. Interest on deposits placed under Monthly Income Plan, Non-Cumulative Option and

Annual Income Plan shall be paid on fixed dates as given below :

Monthly Income Plan (MIP) Last day of each month

Non-Cumulative - Quarterly Option June 30, September 30, December 31 and March 31

Non-Cumulative - Half Yearly Option September 30 and March 31

Annual Income Plan (AIP) March 31

Cumulative Interest Option: Interest will be compounded annually and accrued on 31st March of everyyear after deducting the tax, wherever applicable. The principal along with interest will be paid on maturityonce the discharged deposit receipt is received by us.

Interest amount (net of TDS - where applicable) will be paid through ECS at all centres where ECSfacility is available. Where ECS facility is not available, interest cheque will be paid through "Accountpayee" cheque drawn in favour of the first named depositor along with his bank account details furnished.In case of MIP, post-dated interest cheques for every financial year will be issued in advance.

In case of MIP and Non-Cumulative deposits, if the first interest due date falls within a week from thedeposit date, then the interest for the first broken period will be paid in the next interest cycle.

Interest on MIP under Variable Rate Deposit will be paid through ECS only.

Interest will accrue after the maturity date only if the deposit is renewed.

VARIABLE RATE DEPOSITInterest Rate on variable rate deposit is linked to the benchmark rate and will vary from time to time withthe benchmark rate. Benchmark Rate is the rate of interest applicable on HDFC fixed rate depositproduct for the corresponding period. Interest Reset Date - Rate of interest (ROI) will be reset at thebeginning of each interest period. ROI prevailing on the first day of the interest period will be applicablefor the entire interest period. Deposit placed under the variable rate deposit cannot be changed to fixedrate deposit before the maturity date.

ELECTRONIC CLEARING SERVICE (ECS)This facility is provided to depositors whereby the interest will be credited directly to the depositors’bank account. The depositor would receive a credit entry “ECS HDFC” in his pass book/bank statement.Intimation of interest credited would be sent on an annual basis.

DEDUCTION OF INCOME TAX AT SOURCE (TDS)No tax deduction at source on interest paid/credited upto ̀ 5000/- in a financial year. Income tax will bededucted at source under Section 194A of the Income Tax Act, 1961, at the rates in force. If the depositoris not liable to pay income tax and the interest to be paid/credited in a financial year does not exceed themaximum amount which is not chargeable to income tax, the depositor may submit a declaration inForm No. 15G so that income tax is not deducted at source. In such cases, PAN (Permanent AccountNumber) must be quoted in Form 15G, else the form is invalid. Senior Citizens (60 years and above)may submit a declaration in Form No. 15H.

Section 139A(5A) of the Income-tax Act, 1961 requires every person receiving any sum or income fromwhich tax has been deducted to intimate his PAN to the person responsible for deducting such tax.Further, 139A(5B) requires the person deducting such tax to indicate the PAN on the TDS certificate. In case PAN is not mentioned, the rate of TDS would be 20% as per section 206AA(1) of the Income-Tax Act, 1961. In case of deposits of ̀ 50,000 and above, it is mandatory to furnish PAN.

PREMATURE WITHDRAWALRequest for premature withdrawal may be permitted at the sole discretion of the corporationonly and cannot be claimed as a matter of right by the depositor, subject to the Housing FinanceCompanies (NHB) Directions, 2010 as applicable from time to time.

Premature withdrawal will not be allowed before completion of 3 months from the date of deposit. Incase of request for premature withdrawal after the expiry of three months, the rates given in the followingtable shall apply.

The interest payable shall be 1% lower than the interest rate applicable for the period forwhich the deposit has run or if no rate has been specified for that period, then 2% lowerthan the minimum rate at which the public deposits are accepted by HDFC. In respect ofvariable rate deposit, the interest rate applicable for the period for which deposit has runwould be considered as applicable on the respective interest reset dates.

Months completed fromthe date of deposit

Rate of Interest Payable

After 3 months butbefore 6 months

The maximum interest payable shall be 4% per annum for individual depositor, and nointerest in case of other category of depositors.

After 6 months but beforethe date of maturity

DEPOSIT APPLICATION FORM (Resident Individuals)

Date : ______________________Agents are not permitted to accept cash with application form and issue receipt. HDFC will in no way be responsible for such or other wrong tenders.

PLEASE USE BLOCK LETTERS AND TICK ✓ IN APPROPRIATE PLACES (PREFERRABLY IN BLACK INK)

Agent’s Name:

Code No.:

SCHEME : ❑ ANNUAL INCOME PLAN ❑ MONTHLY INCOME PLAN❑ NON-CUMULATIVE (Quarterly) ❑ NON-CUMULATIVE (Half Yearly)❑ CUMULATIVE

STATUS : ❑ Resident Individual ❑ Hindu Undivided Family

CATEGORY : ❑ Member of Public ❑ Shareholder ❑ Director/Relative of a Director❑ Employee (No. )

DEPOSIT REPAYABLE T O : ❑ First Depositor ❑ First Depositor or Survivor/s

SENIOR CITIZENS (60 years & above) ❑ YES ❑ NO

FOR OFFICE USE ONLYDocument Reference No. Date of Receipt Verified by Remarks

Bank Name BranchAmount `

PAYMENTDETAILS Date:RTGS/NEFT (UTR) No.Cheque No.

I/We apply for placement/renewal of deposit at Branch for a period of months and will earn interest @ % p.a.

❑ FIXED RATE INTEREST❑ VARIABLE RA TE INTERESTMaturity Date

HDFC Deposit Receipt No.(In case of Renewal)

D D M M Y Y

D D M M Y Y

HOUSING DEVELOPMENT FINANCE CORPORATION LIMITEDRegd. Office: Ramon House, H T Parekh Marg, 169, Backbay Reclamation,Churchgate, Mumbai 400 020. CIN: L70100MH1977PLC019916Email: [email protected] Website: www.hdfc.com

Annual Income o Up to ` 2,00,000 o ` 2,00,001 to ` 5,00,000 o ` 5,00,001 to ` 10,00,000 o ` 10,00,001 to ` 25,00,000 o `. 25,00,001 & above

Occupation o Private Sector Service o Public Sector Service o Business o Professional o Retired o Housewife o Student o Others (Please specify) ___________________________________

Please tick (✓) If the following is additionally applicable to you o Civil Servant o Bureaucrat o Current or Former MP, MLA or MLC o Politician o Current or Former Head of State

Name

Guardian's Name(in case of Minor)

Addr ess

City Pin Code

Nationality

Email ID

Mobile

Customer No. (If KYC is already complied)

Name

Address

City Pin Code

Nationality

Email ID

Mobile


Second Depositor's Det ails (as appearing in your supplied identification document) Date of Birth (Compulsory)GenderM / F

D D M M Y Y

Affix a latestphotograph

with signature.(DO NOT STAPLE)

IGNORE if alreadysubmitted earlier

Aadhaar No.

PAN

Aadhaar No.

First / Sole Depositor's Det ails (as appearing in your supplied identification document)

PAN

Date of Birth (Compulsory)GenderM / F

D D M M Y Y

D D M M Y Y




Place/Country of Birth





Name

Address

City Pin Code

Nationality

Email ID

Mobile


Third Depositor's Det ails (as appearing in your supplied identification document) Date of Birth (Compulsory)GenderM / F

D D M M Y Y




Aadhaar No.

PAN





I N D I A N

I N D I A N

I N D I A N

Tax to be deducted ❑ Yes ❑ No. If No, Please submit Form 15G OR Form 15H (for 60 years of age and above).(PAN is compulsory on Form 15G or Form 15H)

I/We hereby declare that the first named depositor mentioned in my/our application is the beneficial owner of this deposit andas such he/she should be treated as the payee for the purpose of tax deduction under Section 194A of the Income Tax Act,1961. I/We hereby agree to abide by the attached terms and conditions governing the deposit. I/we am/are not a tax-residentof any country other than India.I/We further declare that, I/We am/are authorized to make this deposit in the above-mentioned scheme (HDFC Deposit) and thatthe amount kept in the deposit is through legitimate source and does not involve directly or indirectly any proceeds of scheduleof offence and/or is not designed for the purpose of any contravention or evasion of the provisions of the Prevention of MoneyLaundering Act, 2002 and any Rules, Regulations, Notifications, Guidelinesor Directions thereunder, as amended from time to time. I/We shall provideany further information and fully co-operate in any investigation as and whenrequired by the Corporation in accordance to the applicable Law. I/We furtheraffirm that the information/details provided by me/us is/are true and correctin all respect and nothing has been concealed. I/we hereby authorise HDFCto send Email/SMS alerts for all transactions relating to my/our deposits.I/We have gone through the financial and other statements/particulars/representations furnished/made by the Corporation and after carefulconsideration I/we am/are making the deposit with the Corporation at my/our own risk and volition.

SIGNATURE OF DEPOSITOR(S)

FIRST/SOLE/GUARDIAN : ____________________________

SECOND : ____________________________

THIRD : ____________________________

DETAILS OF BANK ACCOUNT

Name of Bank :

Branch :

Interest on my/our deposit/s with HDFC may be credited to my/our bank account directly through ECS/direct credit facility. Redemption proceeds may also be

credited to my/our following bank account on receipt of discharged FDR from me/us.

Bank Account No.

MICR Code :

IFSC Code :

Proof of Identity to be provided by Applicant.

(Please submit ANY ONE of the following self-certified documents)

Proof of Address to be provided by Applicant.

(Please submit ANY ONE of the following self-certified latest documents)

● UID/Aadhaar Card ● PAN Card ● Voter's Identity Card ● DrivingLicense ● Passport ● Any other Identification with Photograph(Subject to satisfaction of HDFC)

● UID/Aadhaar Card ● Passport ● Driving License ● Voter'sIdentity Card ● Telephone Bill ● Electricity / Gas Bill ● Bank/DematAccount Statement ● Registered Rent Agreement ● Any otherAddress proof (Subject to satisfaction of HDFC)

G06

1/04

/16/

----

-

* As the nominee is a minor on this date, I/We appoint (Name, address & age)

SIGNATURE OF DEPOSITOR(S)#

FIRST/SOLE/GUARDIAN : ____________________________

SECOND : ____________________________

THIRD : ____________________________

Please tick if nominee's name should not be printed on Deposit Receipt/Applicationfor renewal of deposit - We will accordingly arrange to print the nominee nameon the renewal application.

I/We nominate the following person to whom in the event of my / our / minor's death the amount of this deposit may be returned by HDFC Ltd.

FORM DA 1 : NOMINATION

Name & Addressof Nominee

Nomination under Section 36B of the National Housing Bank Act, 1987 and Rule 2(1)of the Banking Comp anies (Nomination) Rule, 1985 in respect of HDFC deposit s.

to receive the amount of the deposit on behalf of the nominee in the eventof my / our / minor's death during the minority of the nominee.

* Leave out if nominee is not a minor.# Where deposit is made in the name of a minor, the nomination should

be signed by a person lawfully entitled to act on behalf of the minor.# Thumb impression shall be attested by 2 witnesses. (use separate form DA 1)

Age Date of Birth of Nominee (if minor)*Relationship withDepositor (If any)

Email ID

Pin Code

Aadhaar No.

PAN

Mobile


D D M M Y Y

D E P O S I T SHDFC

FOR

INDIVIDUALS

D E P O S I T S

PARTICULARS AS REQUIREDUNDER NON-BANKING

FINANCIAL COMPANIES ANDMISCELLANEOUS NON-BANKINGCOMPANIES (ADVERTISEMENT)

RULES, 1977.

(a) Name of the Comp any: HOUSING DEVELOPMENT FINANCECORPORATION LIMITED (HDFC) (CIN: L70100MH1977PLC019916)

(b) Date of Incorporation: October 17, 1977(c) Business carried on by the Company and its subsidiaries with details of branches: HDFC

is a public limited company primarily engaged in the business of providing housing finance by creating aninstitutional facility for meeting the needs of people for long-term finance for purchase/construction ofresidential houses anywhere in India.

The Corporation has fifteen wholly owned and eight other subsidiaries viz.:l HDFC Developers Limited carries on the business of real estate development; l HDFC Investments Limited carries on thebusiness of investments in stocks, shares, debentures and other securities; l HDFC Holdings Limited carries on the business ofinvestments in stocks, shares, debentures and other securities; l HDFC Trustee Company Limited acts as a Trustee for HDFCMutual Fund; l HDFC Realty Limited is engaged in the business of real estate broking and related services; l HDFC VenturesTrustee Company Limited acts as a Trustee for HDFC Property Fund; l HDFC Property Ventures Limited is engaged in advisoryservices; l HDFC Sales Private Limited acts as a distributor of home loans and other financial products; l HDFC Education andDevelopment Services Private Limited is engaged in the provision of education services; l Windermere Properties Private Limitedis engaged in monetising value of properties owned; l Grandeur Properties Private Limited is engaged in monetising value ofproperties owned; l Winchester Properties Private Limited is engaged in monetising value of properties owned; l PentagramProperties Private Limited is engaged in monetising value of properties owned; l Haddock Properties Private Limited is engagedin monetising value of properties owned; l HDFC Venture Capital Limited carries on the business of managing HDFC PropertyFund; l HDFC Standard Life Insurance Company Limited is engaged in the business of life insurance; l HDFC ERGO GeneralInsurance Company Limited is engaged in the business of general insurance; l HDFC Asset Management Company Limitedcarries on the business of managing Mutual Fund schemes; l GRUH Finance Limited is engaged in the business of providinghousing finance; l Griha Investments, (Mauritius) a wholly owned subsidiary of HDFC Holdings Limited acts as an investmentmanager to HI-REF International LLC and its subsidiaries in Mauritius; l Credila Financial Services Private Limited is engaged inproviding education loan for higher studies; l HDFC Pension Management Company Limited, a wholly owned subsidiary ofHDFC Standard Life Insurance Company Limited acts as a pension fund manager; l Griha Pte. Limited, a wholly owned subsidiaryof HDFC Investments Limited carries out private equity asset/fund management / investment advisory services.

The Corporation has Branch Offices/Service Centers at the following places:

HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED

Registered Office: Ramon House, H T Parekh Marg, 169, Backbay Reclamation, Churchgate, Mumbai 400 020.

Corporate Office: HDFC House, H T Parekh Marg, 165-166, Backbay Reclamation, Churchgate, Mumbai 400 020.

Deposit Centre: Mistry Bhavan, 122, Backbay Reclamation, Churchgate, Mumbai 400 020.

Phones: 67546060 (for Deposits only), 66316000, 22820282. Fax: 22821366.

(d) Brief p articulars of the management of the Corporation:The Corporation is managed by the Board of Directors comprising of eminent personswith wide experience and knowledge. Subject to superintendence, direction and controlof the Board of Directors, substantial powers of management are vested in three of itsExecutive Directors, viz., Mr. Keki M Mistry, Vice Chairman & Chief Executive Officer,Ms. Renu Sud Karnad, Managing Director and Mr. V. Srinivasa Rangan, Executive Director.

(e) Names, addresses and occup ations of the Directors:NAME ADDRESS OCCUPATION

Mr. Deepak S. Parekh Housing Development Finance Corporation Ltd., Professional Director

(Chairman) Ramon House, H.T. Parekh Marg,

169, Backbay Reclamation, Mumbai 400 020.

Mr. B. S. Mehta Bansi S Mehta & Company, Chartered Accountants, Practising Chartered

Merchant Chamber, 41, New Marine Lines, Mumbai 400 020. Accountant

Mr. D. M. Sukthankar Flat No. 5, Priya Co-op. Hsg. Soc. Ltd., 9, Khan Abdul Professional Director

Gaffar Khan Road, Worli Sea Face, Mumbai 400 030.

Mr. D. N. Ghosh The Peerless General Finance and Investment Co. Ltd., Professional Director

Anuj Chambers, 24B Park Street, 5th Floor, Kolkata 700 016.

Dr. S. A. Dave Bldg. No.17, Flat No.31, MHB Colony, Opp Lilavati Hospital, Professional Director

Bandra Reclamation, Bandra (W), Mumbai 400 050.

Dr. Ram S. Tarneja Flat No. 2102, Planet Godrej, AQUA Tower II, K K Marg, Management

Jacob Circle, Mahalaxmi, Mumbai 400 011. Professional

Mr. Nasser Munjee Development Credit Bank Limited, Professional Director

Peninsula Business Park, Tower ‘A’, 6th Floor,

Senapati Bapat Marg, Lower Parel, Mumbai 400 013.

Dr. Bimal Jalan 4, Babar Road, Near Bengali Market, New Delhi 110 001. Professional Director

Dr. J. J. Irani No. 7 Beldih Lake, Northern Town, Jamshedpur, Professional Director

Jharkhand 831 001.

Mr. V. Srinivasa Rangan Housing Development Finance Corporation Ltd., Company Executive

(Executive Director) Ramon House, H. T. Parekh Marg,

169, Backbay Reclamation, Churchgate, Mumbai 400 020.

Ms. Renu Sud Karnad Housing Development Finance Corporation Ltd., Company Executive

(Managing Director) The Capital Court, Munirka, Outer Ring Road,

Olof Palme Marg, New Delhi 110 067.

Mr. Keki M. Mistry Housing Development Finance Corporation Ltd., Company Executive

(Vice Chairman & Ramon House, H. T. Parekh Marg,

Chief Executive Officer) 169, Backbay Reclamation, Churchgate, Mumbai 400 020.

(f & g) *Profit s and Dividends:FinancialFinancialFinancialFinancialFinancial Profit before taxProfit before taxProfit before taxProfit before taxProfit before tax Profit after taxProfit after taxProfit after taxProfit after taxProfit after tax Equity DividendEquity DividendEquity DividendEquity DividendEquity Dividend

YYYYYear Endedear Endedear Endedear Endedear Ended (((((` in crores) in crores) in crores) in crores) in crores) (((((` in crores) in crores) in crores) in crores) in crores) Per share (Per share (Per share (Per share (Per share (`)))))

31.03.2015 8,624.14 5,990.14 15.00#

31.03.2014 7,440.24 5,440.24 14.00

31.03.2013 6,572.84 4848.34 12.50

# Inclusive of interim equity dividend of ̀ 2 per share paid during the year.

(h) *Summarized financial position of the Corporation as in the two audited balance sheets

immediately preceding the date of advertisement: (` in crores)As at March 31, 2015 As at March 31, 2014

LiabilitiesPaid-up Equity Share Capital 314.94 312.10Reserves and Surplus 30,655.03 27,643.09Secured Loans 1,04,689.70 1,10,186.37Unsecured Loans 1,03,909.33 74,111.72Current Liabilities and Provisions 14,181.99 13,504.11Deferred Tax Liability 200.67 -Total 2,53,951.66 2,25,757.39Asset sLoans 2,27,700.12 1,96,554.39Fixed Assets 676.96 280.48Investments 14,294.34 13,912.65Current Assets, Loans and Advances 11,280.24 14,380.00Deferred tax asset - 629.87Total 2,53,951.66 2,25,757.39

Brief p articulars of Contingent Liabilities: Contingent liabilities in respect of guaranteesprovided by the Corporation is ` 361.68 crores (Previous year ` 435.26 crores), in respect ofincome tax demands, net of amounts provided for and disputed by the Corporation is ̀ 1,103.51crores (Previous year ` 919.19 crores), in respect of corporate undertakings provided forsecuritisation of receivables ̀ 1,919.65 crores (previous year ̀ 1,943.05 crores) and in respectof disputed dues towards sales tax, wealth tax, interest on lease tax, and payments towardsemployer’s contribution to ESIC not provided for by the Corporation, amounts to ` 0.15 crores(Previous year ` 0.15 crores).(i) *The amount of Public Deposits which the Corporation can raise under the Housing

Finance Companies (NHB) Directions, 2010 is equivalent to 5 times of the net ownedfunds i.e. ` 1,20,088.25 crores whereas the total Public Deposits as on March 31, 2015was ` 47,197.91 crores. The amount of aggregate deposits, including Public Deposits,which the Corporation can raise is 16 times of the net owned funds i.e. ` 3,84,282.40crores whereas the aggregate deposits as on March 31, 2015 was ` 2,09,216.95 crores.

*Subject to Shareholders’ approval.(j) There are no overdue deposits other than unclaimed deposits.(k) We declare that:

i) The Corporation has complied with the provisions of the Directions as applicable to it;ii) The compliance with the said Directions does not imply that repayment of deposits is

guaranteed by the Reserve Bank of India and the National Housing Bank.iii) The deposits accepted by the Corporation are unsecured and rank pari passu with

other unsecured liabilities, save and except the floating charge created on the statutoryliquid assets maintained in terms of sub-sections (1) & (2) of Section 29B of the NationalHousing Bank Act, 1987, as may be prescribed by NHB, from time to time.

The Corporation is having a valid Certificate of Registration dated 31-07-2001 issued by theNational Housing Bank (NHB) under Section 29A of the National Housing Bank Act, 1987.However, the NHB does not accept any responsibility or guarantee about the present positionas to the financial soundness of the Corporation or for the correctness of any of the statementsor representations made or opinion expressed by the Corporation and for repayment of deposits/discharge of liabilities by the Corporation.The above text has been approved by the Board of Directors of the Corporation at its meetingheld on April 29, 2015 and is being issued on the authority and in the name of the Board ofDirectors of the Corporation and a copy signed by all Directors of the Corporation has beenfiled with the National Housing Bank, New Delhi.

By Order of the BoardSd/-

Date: April 29, 2015 AJAY AGARWALPlace: MUMBAI Company Secretary

AGRA Tel: 0562-2526769/70. AHMEDABAD (Navrangpura) Tel: 079-66307000. Extn. 110 (for Deposits Only). AHMEDABAD (Maninagar) Tel:079-64501855. AHMEDABAD (Satellite) Tel: 079-64501861/2/3/4. AHMEDNAGAR Tel: 0241-6605222. AJMER Tel: 0145-5120888 (for DepositsOnly), 2641164. AKOLA Tel: 0724-2442454, 2430244. ALIGARH Tel: 0571-2408541/2. ALLAHABAD Tel: 0532-2260325 (for Deposits Only),3297506. ALWAR Tel: 0144-2702739. Telefax: 0144-2702740. AMBALA Tel: 0171-2630880/711. AMRAVATI Tel: 0721-2666009/987. AMRITSARTel: 0183-5010512, 2500851 (for Deposits Only). Telefax: 0183-5095458. ANAND Tel: 02692-255514/7. ANGUL Tel: 06764-201555, 605070/80. ANKLESHWAR Tel: 02646-227771/2. AURANGABAD Tel: 0240-6616500 Ext. 510 (for Deposits Only), 2358500. BAREILLY Tel: 0581-2477496. BEAWAR Tel: 01462-513888, 513788. BELGAUM Tel: 0831-2427091, 2427093. BENGALURU (Kasturba Road) Tel: 080-41183000/232. Ext. 211/213/214 (for Deposits Only) BENGALURU (Rajaji Nagar) Tel: 080-23506446. BENGALURU (Electronic City) Tel: 080-28523953.BENGALURU (Jayanagar) Tel: 080-26592839 (for Deposits Only), 26892838. BENGALURU (Koramangala) Tel: 080-25501089 (for DepositsOnly). BENGALURU (Marathahalli) Tel: 080-41183000/25400232. BENGALURU (Sahakaranagar) Tel: 080-23626361/62. BHARUCH Tel:02642-238444, 238555. BHATINDA Tel: 0164-5012218/19. BHILAI Tel: 0788-4040840/1. BHILWARA Tel: 01482-232902. BHIWADI Tel: 01493-512739, 512849. BHOPAL (MP Nagar) Tel: 0731-4433333. BHOPAL (Kamla Bhawan) Tel: 0731-4433333. BHOPAL (Chunnabhatti) Tel: 0755-2422001, 2422006, 4047700 (for Deposits Only). BHUBANESWAR Tel: 0674-2395060, 2534555, 2531350 (for Deposits Only). BHUBANESWAR(Patia) Tel: 0674-2726724/8/9. BIKANER Tel: 0151-5130716/15 (for Deposits Only), 2206677. BILASPUR Tel: 07752-432302. BULDHANATel: 07262-246301/2. CALICUT Tel: 0495-2367656/7. CHANDIGARH Tel: 0172-3989123, 3011300 Ext. 324 (for Deposits Only). CHANDRAPURTel: 07172-271563-5. CHENNAI (Anna Salai) Tel: 044-28599300, Ext. 322/52 (for Deposits Only). CHENNAI (Adyar) Tel: 044-23452001/2/3,24403324 (for Deposits Only). CHENNAI (Anna Nagar) Tel: 044-23451998/9. CHENNAI (Kodambakkam) Tel: 044-24815656/005. CHENNAI(OMR) Tel: 044-23454004/4003. CHENNAI (Porur) Tel: 044-24764071/81. CHENNAI (Tambaram) Tel: 044-23454001/2. CHENNAI (Velacherry)Tel. 044-2246 3711/2. CHENNAI (DLF IT Park) Tel: 044-22520635/735. CHENNAI (Egmore) Tel: 044-2345 2070/1. CHENNAI (Ambattur) Tel:044-2345 2077/8/9. COIMBATORE (Kamaraj Road) Tel: 0422-4301100. COIMBATORE (NSR Road) Tel: 0422-4399881/2. COIMBATORE(Ganapathy Sathy) Tel.: 0422-4200211/311. CUTTACK Tel: 0671-2332109 (for Deposits Only)/093. DEHRADUN (Rajpur Road) Tel: 0135-6672222, 3052222/58 (for Deposits Only) 18604204222. DEHRADUN (Vasant Vihar) Tel: 0135-2769869, 6554222. DEWAS Tel: 0731-4433333.DHULE Tel: 02562-273500/273600. DURGAPUR Tel: 0343-2549778, Ext. 776 (for Deposits Only). ERODE Tel: 0424-2240928/29. FARIDABADTel: 0129-4315120/5. GANDHIDHAM Tel: 02836-647274/5. GANDHINAGAR Tel: 079-65727262/3. GHAZIABAD (Lohia Nagar) Tel: 0120-2721446, 2723116. GHAZIABAD (Vaishali) Tel: 0120-4233253/54. GOA (Panaji) Tel: 0832-2234172. GOA (Margao) Tel: 0832-2700472/3/5.GORAKHPUR Tel: 0551-3248100. GULBARGA Tel: 08472-241966. GUNTUR Tel: 0863-6459890. GURGAON (Mehrauli-Gurgaon Road) Tel:0124-4061772/3. GURGAON (Sector 14) Tel: 0124-4367801/2. GUWAHATI (Six Mile) Tel: 0361-7101800, 6118888 (for Deposits Only).GUWAHATI (Chenikuthi) Tel: 0361-2666915. GWALIOR Tel: 0751-4011970/1. HALDWANI Tel: 05946-311000, 284956, 18604204222.HARIDWAR Tel: 01334-324100, 265325, 18604204222. HISAR Tel: 01662-313106, 233383. HOSUR Tel: 04344-244888/247444. HUBLI Tel:0836-2356345, 2352138. HYDERABAD (Basheer Bagh) Tel: 040-67699000 Ext. 040 (for Deposits Only). HYDERABAD (Dilsukhnagar) Tel:040-67699400. HYDERABAD (Gachibowli) Tel: 040-64637300. HYDERABAD (Kukatpally) Tel: 040-64632500. HYDERABAD (Panjagutta)Tel: 040-67699100 Ext. 101 (for Deposits Only). HYDERABAD (R C Puram) Tel: 040-32592801. SECUNDERABAD (Tarnaka) Tel: 040-66387200.INDORE (M G Road) Tel: 0731-4433333, 4252432 (for Deposits Only). INDORE (Vijay Nagar) Tel: 0731-4433333, 4756401. INDORE (PrabhuNagar) Tel: 0731-4264303. INDORE (Sagar) Tel: 9203900346. IRINJALAKUDA Tel: 0480-2821589. JABALPUR Tel: 0731-4433333. JAIPUR(Bhagwan Das Road) Tel: 0141-5150888, 5150804/05 (for Deposits Only). JAIPUR (Jagatpura) Tel: 0141-5141888 (for Deposits Only)/017.JAIPUR (Mansarovar) Tel: 0141-2781981 (for Deposits Only), 2780989. JAIPUR (Vaishali Nagar) Tel: 0141-5110410 (for Deposits Only)/11.JALANDHAR Tel: 0181-2277444/45. JALGAON Tel: 0257-2220762, 2232015. JAMMU Tel: 0191-2477707/8. JAMNAGAR Tel: 0288-6450156/58. JAMSHEDPUR Tel: 0657-2321387, 6458733. JHANSI Telefax: 0517-2333844. JODHPUR Tel: 0291-5134888, 2644448/9. JORHAT Tel:9864016557. KAKINADA Tel: 0884-6568001. KANCHIPURAM Tel: 044-27267201-03. KANHANGAD Tel: 0467-2200 599/699. KANNUR Tel:0497-2765850. KANPUR Tel: 0512-2306760, 2306744 (for Deposits Only). KARNAL Tel: 0184-6451231/32, 2266431. KOCHI (Ravipuram)Tel: 0484-3011200 Ext. 228/232 (for Deposits Only). KOCHI (Aluva) Tel: 0484-2629575, 4456999. KOCHI (Kakkanad) Tel: 0484-6493030.Telefax: 0484-2415555. KOCHI (Palarivattom) Tel: 0484-2803043/83. KOCHI (Tripunithura) Tel: 0484-2785492, 2785493. KOLHAPUR Tel:0231-2664034/35. KOLKATA (Cooke & Kelvy) Tel: 033-66086200 (for Deposits Only). KOLKATA (Shakespeare Sarani) Tel: 033-23018300,22801980, 22815491-94. KOLKATA (Behala) Tel: 033-24468392. KOLKATA (Chandannagore) Tel: 033-6830059 (for Deposits Only). KOLKATA(Old Court House Street) Tel: 033-2481308, 66086200. KOLKATA (Garia) Tel: 033-4351082/7011. KOLKATA (Salt Lake City) Tel: 033-3215949/7009. KOLLAM Tel: 0474-3255000, 2762551/2. KOTA Tel: 0744-5130888, 2436981/2 (for Deposits Only). KOTTAYAM Tel: 0481-2304985,2566136. KUNNAMKULAM Tel: 04885-227980/82. LUCKNOW (Ashok Marg) Tel: 0522-3989123, 3982623 (for Deposits Only). LUCKNOW(Aliganj) Tel: 0522-3263952, 2745249. LUCKNOW (Gomti Nagar) Tel: 0522-2303770. Telefax: 0522-2301017. LUDHIANA (Pakhowal Road)Tel: 0161-2429856 (for Deposits Only), 5025184. LUDHIANA (Chandigarh Road) Tel: 0161-2680043/45/42. MADURAI Tel: 0452-2350715,2350720 (for Deposits Only). MALAPPURAM Tel: 0483-2738873/4. MANGALORE Tel: 0824-2445220 (for Deposits Only), 2425948.MARTHANDAM Tel: 04651-271744, 272744. MATHURA Tel: 0565-2420116/7. MAVELIKKARA Tel: 0479-9746613284, 2344411/2. MEERUTTel: 0121-4058793/4. MEHSANA Tel: 0276-654001/2. MOGA Tel: 01636-509020/21. MOHALI Tel: 0172-2220116, 2225774. MORADABADTel: 0591-2485100/23. MUMBAI [Churchgate (Deposits)] Tel: 022-67546060. MUMBAI (Andheri East) Tel: 022-26830048/49/50, 26839958/60(for Deposits Only). MUMBAI (Andheri West) Tel: 022-26733981-3, 67413552 (for Deposits Only). MUMBAI (Andheri-Kurla Road) Tel: 022-28304251-3. MUMBAI (BandraKurla Complex) Tel: 022-26500951/52/53. MUMBAI (Borivali-Ramdas Sutrale Marg) Tel: 022-28907153, 28937152/55. MUMBAI [Borivali-L.T. Road (Deposits)] Tel: 022-28937000/1. MUMBAI (Chembur) Tel: 022-25291188/8838. MUMBAI [Ghatkopar (Deposits)]Tel: 022-25011284. Mumbai (Goregaon) Tel: 022-67546111. MUMBAI (Goregaon East) Tel: 022-28497102/3/4/5. MUMBAI [Parel (Deposits)]Tel.: 022-61051601. MUMBAI (Lower Parel) Tel: 022-66200000. MUMBAI (Lower Parel Credit Risk Management) Tel: 022-66113020. MUMBAI(Malad) Tel: 022-65990487/88/89/90. MUMBAI (Malad-Deposits) Tel: 022-28813676. MUMBAI (Mira Road) Tel: 022-65990265/6/7. MUMBAI(Mulund) Tel: 022-25655633/733, 25675733 (for Deposits Only). MUMBAI (Vikhroli) Tel: 022-25186624/5/6. MUMBAI (Virar) Tel: 0250-2500162/215. AMBERNATH Tel: 0251-2603168/9. BOISAR Tel: 02525-645435/3. DOMBIVALI Tel: 0251-2861473/4. KALYAN Tel: 0251-2201580/3.THANE (Gokhale Road) Tel: 022-25451114-6, 65288415 (for Deposits Only). THANE (Vikas Complex) Tel: 022-25471568/70. THANE(Ghodbunder Road) Tel: 022-61033300. VASHI (Navi Mumbai) Tel: 022-65165201-4, 27892911 (for Deposits Only). KHARGHAR (Navi Mumbai)Tel: 022-27746813/4/5/6/7. KOPARKHAIRANE (Navi Mumbai) Tel: 022-27550615/18. SEAWOODS (Navi Mumbai) Tel: 022-27718787/9. NEWPANVEL Tel: 022-65166242/3/4. MUVATTUPUZHA Tel: 0485-2833533. MUZAFFARPUR Tel: 0121-2248032, 2248033. MYSORE Tel: 0821-2545614/5. NAGERCOIL Tel: 04652-325500, 237192/93. NAGPUR (Civil Line) Tel: 0712-2566000, 2527888, 6620518/19 (for Deposits Only).NAGPUR (Kadbi Chowk) Tel: 0712-2542918. NAGPUR (Khamla Ring Road) Tel: 0712-2289220. NASHIK (Sharanpur Link Road) Tel: 0253-6606000 Ext. 808 (for Deposits Only). NASHIK (Indira Nagar) Tel: 0253-6611938/9. NASHIK (Panchavati) Tel: 0253-6452177, 2510055. NASHIKROAD Tel: 0253-2459924/5/6. NELLORE Tel: 0861-6624141. NEW DELHI (Munirka) Tel: 011-41115111, 41596523 (for Deposits Only). NEWDELHI (Dwarka) Tel: 011-45572405/6. NEW DELHI (Lodhi Road) Tel: 011-24643755, 24601574. NEW DELHI (Netaji Subhash Place) Tel: 011-47292032/3/4. NEW DELHI (Vikas Puri) Tel: 011-28540989/90. NEW DELHI (Connaught Place) Tel: 011-41514836, 41596670 (for DepositsOnly). NOIDA Tel: 0120-4351299/302/303/304. NOIDA (Sector 62) Tel: 0120-2405501/2. PALAKKAD Tel: 0391-2536481/2. PANCHKULA Tel:0172-2556426/64. PATHANAMTHITTA Tel: 0468-2271372. PATHANKOT Tel: 0186-2230452, 2220453. PATIALA Tel: 0175-2209273/166,5002768. PATNA Tel: 0612-2502522/3. PERINTHALMANNA Tel: 04933-222015, 227015. PITHAMPUR Tel: 0731-4433333. POLLACHI Tel:04259-221224/6. PUDUCHERRY Tel.: 0431-2205421. PUNE (University Road) Tel: 020-25505000, 25505121/22 (for Deposits Only). PUNE(Baner) Tel: 020-66057077/8. PUNE (Camp) Tel: 020-26838602/1728/6738. PUNE (Chakan) Tel: 02135-278100/1. PUNE (Chinchwad) Tel:020-27371736/0219. PUNE (Hadapsar-Magarpatta City) Tel: 020-26898412/395. PUNE (Kothrud) Tel: 020-25453592/3. PUNE (Nagar Road)Tel: 020-26699149. PUNE (Sinhagad Road) Tel: 020-24350084/0151. RAIPUR Tel: 0771-4243110. RAJAHMUNDRY Tel: 0883-6652828.RAJKOT Tel: 0281-6641145/6. RANCHI Tel: 0651-2331055, 2330823. RATLAM Tel: 0731-4433333, 07412-407375. RATNAGIRI Tel: 02352-224022/23. REWARI Tel: 01274-22112/3. ROHTAK Tel: 0126-255467/8/9. ROORKEE Tel: 01332-272211, 18604204222. ROPAR Tel: 01881-224986, 226986. ROURKELA Tel: 0661-2401060/1. RUDRAPUR Tel: 05944-244422, 606888, 18604204222. SAHARANPUR Tel: 0132-6510222. SALEM Tel: 0427-2314486/7. SANGLI Tel: 0233-2329892/3. SATARA Tel: 02162-226400, 227901. SHIMLA Tel: 0177-2626711.SIKAR Tel: 01572-271888, 270888. SILIGURI Tel: 0353-2640716. SOLAPUR Tel: 0217-2316804/5. SRI GANGANAGAR Tel: 0154-2485900.SURAT (Adajan) Tel: 0261-6711800, 6711935 (for Deposits Only). SURAT (City Light) Tel: 0261-2213201/2. SURAT (Majura Gate) Tel: 0261-2479371, 2475954. THIRUVALLA Tel: 0469-2600051. THIRUVANANTHAPURAM (Vazhuthacaud) Tel: 0471-3255000, 2325731, 2324224(for Deposits Only). THIRUVANANTHAPURAM (Technopark) Tel: 0471-2700701, 7736534769. THIRUVANANTHAPURAM (Kazhakuttom)Tel: 0471-2417707/8. THRISSUR Tel: 0487-2389790/1. TIRUCHIRAPALLI Tel: 0431-2412744, 2414744. TIRUNELVELI Tel: 0462-3255000,2577822/33. TIRUPATI Tel: 0877-6645831. TIRUPPUR Tel: 0421-4242901/2. TUTICORIN Tel: 0461-3255000, 2300707/807. UDAIPUR Tel:0294-5100840/50. UJJAIN Tel: 0731-4433333, 0734-2533685. VADODARA (Race Course) Tel: 0265-2308400, 2356397, 2320240, 2356837(for Deposits Only). VADODARA (Waghodia Road) Tel: 0265-2514164, 2512364. VAPI Tel: 0260-2462573/93. VARANASI Tel: 0542-2420485,3254174. VIJAYAWADA Tel: 0866-6633131. VISAKHAPATNAM Tel: 0891-6637373. VISAKHAPATNAM (Gajuwaka) Tel: 0891-6900120.WARANGAL Tel: 0870-658 2030. YAMUNA NAGAR Tel: 01732-320547. INTERNATIONAL OFFICE: DUBAI Tel: +971 (4) 3961825. LONDONTel: +44 (0) 20 7872 5545, +44 (0) 20 7872 5547, +44 (0) 20 7872 5542 and +44 (0) 20 7872 5562. SINGAPORE Tel: +65 6536 7000.

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