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Private & Confidential

Not for Circulation

NATIONAL HIGHWAYS AUTHORITY OF INDIANH

AI

2013-2

014st

Dateo

f Issue

:1AP

RIL,20

13

NHAIBONDS

SERIE

S-XIV

(Section

54ECofITA

ct,1961

)

(An autonomous body under the Ministry of Road Transport & Highways, Government of India)

Head Office : G-5 & 6, Sector 10, Dwarka, New Delhi - 110 075

INFORMATION MEMORANDUM FOR PRIVATE PLACEMENT

OF

NON-CONVERTIBLE REDEEMABLE BONDS WITH BENEFITS UNDER SECTION 54EC OF

INCOME TAX ACT, 1961 FOR LONG TERM CAPITAL GAINS

ON TAP

NO TDS

Highest Credit Rating by CRISIL and India Ratings & Research (FITCH Group)

Deemed Date of Allotment shall be the last day of each month

Note: This Information Memorandum is neither a prospectus nor a statement in lieu of prospectus. This is only an information brochureintended for private use and should not be construed to be a prospectus and / or an invitation to the public for subscription to bonds.NHAI reserves the right to close the issue at its discretion. NHAI can also at its sole and absolute discretion change the terms of theoffer either through issue of information memorandum containing revised terms and coditions or by making an anouncement in one ormore leading newspapers. The revised terms shall be applicable only to bonds alloted in respect of applications made after notificationof the revised terms.

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NATIONAL HIGHWAYS AUTHORITY OF INDIA - 54ECCAPITALGAINBONDS(Series-XIV)

TABLE OF CONTENTS

Page No.

DISCLAIMER ......................................................................................................................................................................... 2DEFINITIONS ......................................................................................................................................................................... 3Part I : PRIVATE PLACEMENT STRUCTURE

PRESENT PRIVATE PLACEMENT .................................................................................................................................... 4OBJECTS OF THE PRIVATE PLACEMENT ........................................................................................................................ 4HIGHLIGHTS OF THE INSTRUMENT ................................................................................................................................. 4PRIVATE PLACEMENT PROGRAMME ............................................................................................................................... 4CREDIT RATING ................................................................................................................................................................... 5ALLOTMENT OF BONDS .................................................................................................................................................... 5LETTER OF ALLOTMENT & BOND(S) CERTIFICATE ....................................................................................................... 5LISTING .................................................................................................................................................................................. 5WHO CAN APPLY .................................................................................................................................................................. 5DOCUMENTS TO BE PROVIDED BY ALL INVESTORS .................................................................................................... 5ADDITIONAL DOCUMENTS TO BE PROVIDED BY INVESTORS OTHER THAN INDIVIDUALS .................................. 6HOW TO APPLY ....................................................................................................................................................... ............ 6REGISTRARS .............................................................................................................................. ...... .................................. 6

PART II: CONFIDENTIAL MEMORANDUM OF PRIVATE PLACEMENTAUTHORITY FOR THE PRIVATE PLACEMENT.................................................................................................................................. 7

NUMBER OF BONDS ............................................................................................................................................................ 7TERMS AND MODE OF PAYMENT ...................................................................................................................................... 7FORM AND DENOMINATION ............................................................................................................................................... 7INTEREST ON APPLICATION MONEY ............................................................................................................................... 7REFUND ................................................................................................................................................................................. 7PAYMENT PROCEDURE ...................................................................................................................................................... 7PAYMENT OF INTEREST ..................................................................................................................................................... 7MODE OF INTEREST PAYMENT ......................................................................................................................................... 8PAYMENT OF PRINCIPAL .................................................................................................................................................... 8PAYMENT ON REDEMPTION .............................................................................................................................................. 8TAXATION ...................................................................................................................................................................... 8 - 10BONDS IN DEMATERIALIZED FORM ............................................................................................................................... 10LETTER OF ALLOTMENT AND BOND/CERTIFICATE ............................................................................ 10ISSUE OF DUPLICATE BOND CERTIFICATES ................................................................................................................ 10SECURITY ........................................................................................................................................................................... 11

AGENTS AND TRUSTEES ................................................................................................................................................. 11RIGHT TO ACCEPT OR REJECT ANY APPLICATION .................................................................................................... 11WITHDRAWL OF APPLICATION ........................................................................................................................................ 11LIMITATION OF LIABILITY ................................................................................................................................................. 11FURTHER BORROWINGS ................................................................................................................................................. 11TRANSFER OF BONDS ...................................................................................................................................................... 11NOMINATION ....................................................................................................................................................................... 11SUCCESSION ...................................................................................................................................................................... 12RIGHTS OF THE BONDHOLDERS .................................................................................................................................... 12MODIFICATION OF RIGHTS .............................................................................................................................................. 12REGISTER OF BONDHOLDERS ....................................................................................................................................... 12NOTICES .............................................................................................................................................................................. 12GOVERNING LAW AND JURISDICTION OF COURTS .................................................................................................... 12

PART III: PROFILE OF NATIONAL HIGHWAYS AUTHORITY OF INDIA

PROJECTS BEING UNDERTAKEN BY NHAI ................................................................................................................... 13AUDIT ................................................................................................................................................................................... 13Mission ................................................................................................................................................................................. 13SHARE HOLDING PATTERN & MANAGEMENT OF NHAI .............................................................................................. 14PAST FINANCIAL PERFORMANCE OF NHAI .................................................................................................................. 14BORROWING POWERS OF THE AUTHORITY ................................................................................................................ 14

PART IVCREDIT RATING LETTER - CRISIL ................................................................................................................................... 15CREDIT RATING LETTER - INDIA RATING & RESEARCH (FITCH GROUPS) ................................................. 16 - 17COLLECTION CENTRES/CONTACT DETAILS OF RTA & NHAI ............................................................................ 18 - 25NODAL BRANCHES OF COLLECTING BANKS ................................................................................................................ 26APPLICATION FORM .......................................................................................................................................................... 27INSTRUCTIONS FOR FILLING THE APPLICATION FORM ............................................................................................. 28

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DISCLAIMER

This Memorandum of Private Placement/Information Memorandum is neither a prospectus nor a statement in lieu of

Prospectus. It is not and shall not be deemed to constitute an Offer or an invitation to the public in general to subscribe

to the Bonds issued by National Highways Authority of India (NHAI). This Bond issue is made strictly on Private Placement

Basis. Apart from this Information Memorandum, no offer document or prospectus has been prepared in connection with

the Offering of this Bond Issue ( Issue.).

This Information Memorandum is not intended to form the basis of evaluation for the prospective Subscribers to whom it is

addressed and who are willing and eligible to subscribe to the Bonds issued by NHAI. This Information Memorandum has

been prepared to give general information regarding NHAI to parties proposing to invest in this issue of Bonds and it does

not purport to contain all the information that any such party may require. NHAI believes that the information contained in

this Information Memorandum is true and correct as of the date hereof. NHAI does not undertake to update this Information

Memorandum to reect subsequent events and thus prospective subscribers must conrm about the accuracy and

relevancy of any information contained herein with NHAI. However, NHAI reserves its right for providing the information at

its absolute discretion. NHAI accepts no responsibility for statements made in any advertisement or any other material and

anyone placing reliance on any other source of information would be doing so at his own risk and responsibility.

Prospective subscriber must make their own independent evaluation and judgment before making the investment and are

believed to be experienced in investing in debt markets and are able to bear the economic risk of investing in Bonds. It is

the responsibility of the prospective subscriber to have obtained all consents, approvals or authorizations required by them

to make an offer to subscribe for, and purchase the Bonds. It is the responsibility of the prospective subscriber to verify

if they have necessary power and competence to apply for the Bonds under the relevant laws and regulations in force.

Prospective subscribers should conduct their own investigation, due diligence and analysis before applying for the Bonds.

Nothing in this Information Memorandum be construed as advice or recommendation by the Issuer or by the Arranger(s)

to subscriber to the Bonds. The prospective subscribers also acknowledge that the Arranger(s) does not owe the subscribers

any duty of care in respect of this Private Placement Offer to subscribe for the Bonds. Prospective subscribers should also

consult their own advisors on the implications of application, allotment, sale, holding, ownership and redemption of these

Bonds and matters incidental thereto.

This Information Memorandum is not intended for distribution. It is meant for the consideration of the person to whom it is

addressed and should not be reproduced by the recipient. The securities mentioned herein are being issued on a Private

Placement Basis and this offer does not constitute a public offer/invitation.

NHAI reserves the right to withdraw the Private Placement prior to the closing Date in the event of any unforeseendevelopment adversely affecting the economic and regulatory environment or any other Force Majeure condition including

any change in applicable law. In such an event, the Issuer will refund the application money, if any, along with interest payable

on such application money, if any.

This Information Memorandum is issued by NHAI and is signed by its authorized signatory.

G.Suresh

Date: April 02, 2013 Chief General Manager (FA)

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DEFINITIONS

The Authority / NHAI/Issuer National Highways Authority of India (NHAI/Issuer), a Statutory Bodyestablished under the National Highways Authority of India Act, 1988 havingits Head Ofce at G-5 & 6, Sector-10, Dwarka, New Delhi-110075

Private Placement Offer Private Placement of Non-Convertible Redeemable Taxable Bonds (withbenets under Section 54EC of Income Tax Act 1961 for Long Term CapitalGains)

Bond(s) Non-convertible redeemable taxable Bond(s) in the nature of debentureswith benets under Section 54EC of the Income Tax Act, 1961 for LongTerm Capital Gains, Series-XIV, also referred to as NHAI Bond(s)

The NHAI Act The National Highways Authority of India Act, 1988

Registered Bondholder Bondholder whose name appears in the register of Bondholders maintainedby the Authority /Registrar (in case of subscribers opting for physicalcerticates) and benecial owners (in case of subscribers opting for demat

option)

Registrars M/s Beetal Financial & Computer Services Pvt Ltd. has been appointed byNHAI to monitor the applications while the Private Placement is openand co-ordinate the post private placement activities of allotment,dispatching interest warrants, handling investors grievances andredemption of Bonds etc. The Contact address of the Registrar is asunder:

Beetal House, 3rd Floor,99, Madangir, Behind Local Shopping Centre, New Delhi-110062

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PART I

PRIVATE PLACEMENT STRUCTURE: -

PRESENT PRIVATE PLACEMENT

Issuer proposes to raise monies through the Private Placement Offer of 54EC Capital Gains Bonds (hereinafterreferred to as the Bonds) of the face value of Rs.10,000/- each by way of Private Placement.

The minimum application shall be for one Bond of Rs.10,000/- and the maximum application shall not exceed500 Bonds. However, the aggregate investment made/being made by the applicants in the 54 EC CapitalGains Bonds issue under Section 54 EC of the Income Tax Act, 1961 during the nancial year 2013-14 shouldnot exceed Rs. 50 lacs.

OBJECTS OF THE PRIVATE PLACEMENT

The proceeds of the Private Placement will be used towards part nancing of the various projects beingimplemented by the Authority under the National Highways Development Project (NHDP) as approved by theGovernment of India.

HIGHLIGHTS OF THE INSTRUMENT

Credit rating AAA/Stable by CRISIL and IND AAA/Assigned by

India Rating & Research (Fitch Groups)

Face Value Rs. 10000/- per Bond

Issue price Rs. 10000/- per Bond

Minimum application s ize One Bond of Rs. 10,000/-.

Maximum application size Five Hundred Bonds of Rs. 10,000/- each (Rs. 50,00,000) subjectto fulllment of other conditions as specied in Income Tax Act.

Size of the Issue Rs. 4000 Crore

Mode of Subscription 100% on application

Deemed Date of Allotment Last day of the month during which the application amount hasbeen cleared and credited to NHAIs collection account

Transferability The Bonds are non-transferable, non-negotiable and cannot be offeredas a security for any loan or advance

Maturity At par, 3 years from the Deemed Date of Allotment

Interest payment Annualy on 1st April & Final Interest at the time of Maturity

Coupon rate 6.00 % payable annually.

Redemption Bullet, at the time of maturity i.e. 3 years

Trustee Syndicate Bank6, Bhagwan Das RoadNew Delhi-110001

Closure of Issue The issue is open on-tap Basis and closes on March 31, 2014 at theclose of the banking hours or on achieving of ceiling limit of Rs. 4000 Crore

without any further notice or at a date as may be decided by NHAI atits absolute discretion.

NHAI reserves the right to revise the terms of the Bonds including the Coupon rate in its absolute discretion

either through issue of Information Memorandum containing revised terms and conditions or making an

announcement in one or more leading newspapers. The revised terms shall be applicable only to Bonds

allotted in respect of applications made after notication of the revised terms. All applications submitted but

not accepted by NHAI would be returned by NHAI to the applicant without any interest.

PRIVATE PLACEMENT PROGRAMME

The Private Placement is open on-tap Basis and closes on March 31, 2014 at the close of the banking hours withoutany further notice or at a date as may be decided by NHAI at its absolute discretion.

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CREDIT RATING

M/s. CRISIL has assigned a rating of AAA/Stable (pronounced triple A with stable outlook) and M/s India Ratings& Research has assigned IND AAA/Assigned to the long term borrowing programme of NHAI under which theseBonds are issued. These ratings indicate highest safety with regard to timely payment of interest and principal.Subscribers are requested to note that a credit rating is not a recommendation to buy, sell, hold securities andsubscribers should take their own decisions. The ratings obtained are subject to revision or withdrawal at any timeby the assigning rating agency. Each rating should be evaluated independently of other rating.

ALLOTMENT OF BONDS

NHAI will make Allotment of Bonds once a month, i.e. on the last day of each month to applicants whoseapplications have been received and monies realized and credited in NHAIs New Delhi account till that date. Thelast day of each month shall be taken as the Deemed Date of Allotment for that set of Bonds. All benets availableto the subscribers shall be from the Deemed Date of Allotment. This deemed date of Allotment does not mean thatBonds have been issued or will be issued. The issue of Bonds would be subject to the satisfaction ofNHAI upon scrutiny of applications. The deemed date only signify that if Bonds are actually allotted thenbenets will be effected from this deemed date. The allotment will be made on rst come rst serve basis.

LETTER OF ALLOTMENT AND BOND(S) CERTIFICATE

NHAI will make allotment to the subscribers in due course after verication of the Applications, the accompanyingdocuments and on realization of the application money.

Subject to the completion of all legal requirements, the NHAI will issue the Bond Certicates (in case ofPhysical option) or Bonds shall be credited to the depository account if marked by the Applicant (in caseof Demat option) within 3 months from the Deemed Date of Allotment or such extended period as maybe decided by the NHAI.

LISTING

The Bonds are issued for a period of 3 years and are non-transferable. The inst rument wil l not be listed.

WHO CAN APPLY Resident Individuals / HUF Partnership rms Companies and Body Corporates Banks, Financial Institutions Regional Rural Banks Co-operative Banks Insurance Companies Provident Funds, Superannuation Funds and Gratuity Funds Mutual Funds Foreign Institutional Investors (Subject to existing regulations) Trusts which are authorized to invest in the Bonds

NRIs investing out of NRO A/c on non-repatriable basis Other eligible categories

DOCUMENTS TO BE PROVIDED BY ALL INVESTORS

1. Self attested copy of PAN Card (incase of joint applications, self attested copy of PAN Card/Certicatesof all the applicants).

2. Photo Copy of CANCELLED Cheque for National Electronic Clearing Service (NECS)/Electronic ClearingService (ECS) facility (incase the subscriber has opted for the said facility and allotment of Bonds hasbeen opted in physical mode).

3. Self certied copy of address proof.

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ADDITIONAL DOCUMENTS TO BE PROVIDED BY INVESTORS OTHER THAN INDIVIDUALS

1. Partnership Firms: A certied true copy of (a) Partnership Deed, (b) Documentary evidence ofauthorization to invest in the Bonds and to receive the money on redemption, if the same is notprovided in the Partnership Deed and (c) Specimen signatures of authorized signatories.

2. Companies and Bodies Corporate, Financial Institutions, Foreign Institutional Investors: Certied

true copy of a) Resolution authorizing investment and containing operating instructions and b) Specimensignatures of authorized signatories.

3. Banks: Certied true copy of a) Power of Attorney and b) Specimen signatures of authorized signatories.

4. Provident Funds, Superannuation Funds, and Gratuity Funds: a) Resolution passed by the competentauthority authorizing the investment and b) Specimen signatures of authorized signatories.

5. Mutual Funds: A certied true copy of a) SEBI registration certicate; b) Resolution passed by thecompetent authority authorizing the investment and c) Specimen signatures of authorized signatories

HOW TO APPLY

Subscriber is required to send the Application Form duly lled alongwith necessary enclosures to theCollecting Bankers as indicated in the Information Memorandum.The subscribers must complete the application for the Bonds in the prescribed form, and in block letters inEnglish. The completed Application Form must be accompanied by either a Demand Draft or Cheque of theamount as decided by the subscribers and made payable in favour of National Highways Authority of Indiaand crossed Account Payee only. Cheques/Demand Drafts may be drawn on any bank including a co-operative bank, which is situated at and is a member or sub-member of the bankers clearing house located at anycollection centre as mentioned in the Information Memorandum. Subscribers in places that do not have any branchof collecting banks, will be required to make payments only through demand drafts payable at any oneof the centers mentioned in the Information Memorandum. Demand Draft charges in respect of such subscribersapplications will be borne by the subscriber. Cash, outstation cheques, money orders, postal orders andstock-invest will not be accepted. NHAI assumes no responsibility for any applications / cheques / demand draftslost in mail/transit. For detailed instructions, please see the enclosed Application Form and

instructions.

REGISTRARS

Beetal Financial & Computer Services Pvt Ltd. or such other persons at such addresses as may be notied bythe Authority from time to time shall be the Registrar(s) of the instrument. The Registrar(s) will monitor theapplications while the Private Placement is open and will coordinate the post Private Placement activitiesof Allotment, dispatching interest warrants, handling investors grievances and redemption of Bonds etc. Anyquery/complaint regarding application / allotment should be forwarded to Beetal Financial & Computer ServicesPvt Ltd. Beetal House, 3rd Floor,99, Madangir, Behind Local Shopping Centre, Nee Delhi-110062 The Issuerwould put in place a tripartite agreement between NHAI, Beetal Financial & Computer Services Pvt Ltd , andNational Securities Depository Limited.(NSDL)/Central Depository Service Limited(CDSL) for keeping records ofBonds in electronic mode.

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PART II

CONFIDENTIAL MEMORANDUM OF PRIVATE PLACEMENT

This Information Memorandum is a condential document and not meant for circulation. This InformationMemorandum sets out the terms and conditions pertaining to the Bonds of the face value of Rs. 10,000/- (Rupeesten thousand only) each to be issued by NHAI (with benets under Section 54 EC of Income Tax Act 1961 forLong Term Capital Gains).

Your participation and subscription is subject to the submission of the application form, realization subscriptionmoney and further allotment of the Bonds is subject to the acceptance of the application form by NHAIand applicable laws, rules and regulations.

AUTHORITY FOR THE PRIVATE PLACEMENT

The present Private Placement of non-convertible Redeemable Taxable Bonds is being made in accordance withthe statutory provisions authorizing NHAI to borrow as contained in NHAI Act and the approval of the CentralGovernment for borrowings and pursuant to the resolution of NHAI.

NUMBER OF BONDS

The application must be made for a minimum of 1 (one) Bond,Maximum Number of BondsThe application can be made for maximum 500 Bonds.

TERMS AND MODE OF PAYMENT

The full face value of Rs. 10,000/- (Rupees ten thousand only) per Bond is payable alongwith the Application.The application money is required to be paid by way of account payee demand draft / cheque drawn in favour ofNational Highways Authority of India.

FORM AND DENOMINATION

NHAI will issue one consolidated Letter of Allotment/Bond Certicate for the Bonds allotted to the subscribers.However, in case the Demat mode option is specied in the Application, a Letter of Allotment will be issued to theSubscriber and the Bonds will be credited in the account of the subscriber.

In respect of consolidated Bond Certicates, the Authority will at the request of Bondholder, split suchBond Certicate into smaller denominations subject to a minimum of one Bond. The request for splitting should beaccompanied by surrender of the original Bond Certicates, which would be treated as cancelled by the Authority.

INTEREST ON APPLICATION MONEY

NHAI shall pay interest (rounded off to the nearest rupee) on application money at the prevailing Coupon Rate asapplicable for the Bonds on an annualized basis from the date of realization of cheque/demand draft in thedesignated account of NHAI in New Delhi till one day before Deemed Date of Allotment. The same shall be paidto the subscriber alongwith the rst annual interest payment falling due after the Deemed Date of Allotment.

REFUND

In case of rejection of the Application on account of any technical grounds, refund without interest will be made.

PAYMENT PROCEDURE

a) PAYMENT OF INTEREST

The interest on the Bonds will be payable for the period from the Deemed Date of Allotment till the last day of thenancial year i.e. 31st March on the rst bank working day of the next nancial year.

The interest payment on the Bonds shall be made in the name of First Applicant (in case of Joint Application) / SoleApplicant and as per Bank account particulars provided in the Application, to the registered Bondholder(s) recordedin the books of the Authority/Registrar on the record date i.e., 30 days prior to the respective interest paymentdate. The interest payment for the rst and last year or part thereof ending with the date of redemption shall beproportionate (on a 365 day a year basis) and all interest on Bond(s) will cease on the date of redemption. A yearfor this purpose would always be considered on a 365 (three hundred and sixty ve) days basis.

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MODE OF INTEREST PAYMENT

Interest payment will be made by cheques payable at par at such places as NHAI may deem t. Efforts will bemade to cover all cities where collection centers are appointed. Cheque(s) clearing charges, if any, willhave to be borne by the Bondholders. In case, the cheques(s) payable at par facility is not available, NHAIreserves the right to adopt any suitable mode of payment.

b) PAYMENT OF PRINCIPAL

On Maturity, the Bonds shall be fully redeemed at par. The payment of redemption proceeds shall be madein the name of First Applicant (in case of Joint Application) / Sole Applicant and as per Bank accountparticulars provided in the Application. However, if the due date of redemption is a holiday / Sunday the Bonds willbe redeemed on the next business day.

PAYMENT ON REDEMPTION

For bond(s) held in physical Form: The Bonds will be automatically redeemed by NHAI on maturity, withoutthe surrender of Bond Certicate(s) by the Bondholder(s), on the expiry of 3 years from the deemed date ofallotment and the redemption proceeds would be paid by cheque or NECS/ECS to the Bondholder whosename appear in the Register of Bondholders maintained by the Registrar. In case of transmission applications

pending on the record date, the redemption proceeds will be issued to the legal heirs after the conrmationof the adequacy and correctness of the documentation submitted with such application. Till such time, theredemption proceeds will be kept in abeyance.

The Bonds would stand extinguished from the redemption date.

The payment will be made in the name of Bondholder registered as Bondholders as on the record date xed bythe Authority for this purpose i.e. 30 days prior to the respective redemption date ( Record Date). (Thepayment of redemption proceeds shall be made in the name of First Applicant (in case of Joint Application)/SoleApplicant and as per Bank account particulars provided in the Application).

For Bond(s) held in Demat Form: On the redemption date, redemption proceeds would be paid by Cheque(s)/Redemption Warrant(s) etc., to those Bondholders whose names appear on the list of benecial owners given bythe Depository to the Authority. These names would be as per the depositorys record on the record Date / bookclosure date xed for the purpose of redemption. These Bonds will be simultaneously extinguished. It may be notedthat in the entire process mentioned above, no action is required on the part of the Bondholders.

TAXATION

TAX DEDUCTION AT SOURCE

The Ministry of Finance, Department of Revenue, Government of India, has, by notication in the ofcialGazette on 5th March, 2004 (notication No. 67/2004/F.No. 275/5/2004-IT (B) announced exemption from TDSprovisions as follows.

In exercise of the power conferred by clause (ii) (b) of the proviso to Section 193 of the Income Tax Act, 1961 (43of 1961), the Central Government hereby species the NHAI Non-convertible Redeemable Bonds with

benets under Section 54 EC of the Income Tax Act, 1961 issued by National Highways Authority of India,New Delhi for the purpose of the said clause.

Provided that the benet under the said clause shall be admissible in the case of transfer of such Bonds byendorsement or delivery, only if the transferee informs National Highways Authority of India, New Delhi by registeredpost within a period of 60 days of such transfer.

TAX BENEFITS UNDER SECTION 54 EC OF THE INCOME TAX ACT 1961

Section 54 EC relating to exemption on long term capital gains if invested in Bonds was inserted by the FinanceAct 2000 effective for the assessment year 2001-2002 and subsequent years from 1st April, 2001. The section aseffective for the assessment year 2008-09 and subsequent years from 1st April, 2007 reads as follows:

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CAPITAL GAIN NOT TO BE CHARGED ON INVESTMENT IN CERTAIN BONDS

1) Where the capital gain arises from the transfer of a long term capital asset, (the capital asset so transferredbeing hereafter in this section referred to as the original asset) and the assessee has, at any time within a periodof six months after the date of such transfer, invested the whole or any part of capital gains in the long termspecied asset, the capital gain shall be dealt with in accordance with the following provisions of this section,that is to say.

a) if the cost of the long-term specied asset is not less than the capital gain arising from the transfer of theoriginal asset, the whole of such capital gain shall not be charged under section 45;

b) if the cost of the long-term specied asset is less than the capital gain arising from the transfer of the originalasset, so much of the capital gain as bears to the whole of the capital gain the same proportion as the cost ofacquisition of the long-term specied asset bears to the whole of the capital gain, shall not be charged undersection 45.

(Provided that the investment made on or after the 1st day of April, 2007 in the long term specied asset by anassessee during any nancial year does not exceed fty lakhs rupees.

2) Where the long-term specied asset is transferred or converted (otherwise than by transfer) into money at anytime within a period of three years from the date of its acquisition, the amount of capital gains arising from thetransfer of the original asset not charged under section 45 on the basis of the cost of such long- term speciedasset as provided in clause (a) or, as the case may be, clause (b) of sub-section (1) shall be deemed to be theincome chargeable under the head Capital gains relating to long-term capital asset of the previous year inwhich the long-term specied asset is transferred or converted (otherwise than by transfer) into money.

EXPLANATION In a case where the original asset is transferred and the assessee invests the whole or any part

of the capital gain received or accrued as a result of transfer of the original asset in any long-term specied assetand such assessee takes any loan or advance on the security of such

specied asset, he shall be deemed to have converted (otherwise than by transfer) such specied asset into moneyon the date on which such loan or advance is taken.

3) Where the cost of the long-term specied asset has been taken into account for the purposes of clause (a) or

clause (b) of sub-section (1),a) A deduction from the amount of income-tax with reference to such cost shall not be allowed under section88 for any assessment year ending before the 1st day of April, 2006;

b) A deduction from the income with reference to such cost shall not be allowed under section 80C for anyassessment year beginning on or after the 1st day of April, 2006.

EXPLANATION - For the purpose of this section,

a) Cost, in relation to any long-term specied asset, means the amount invested in such specied asset out ofcapital gains received or accruing as a result of the transfer of the original asset;

b) Long-term specied asset for making any investment under this section during the period commencing from the1st day of April, 2006 and ending with the 31st day of March, 2007 means any Bond redeemable after threeyears and issued on or after 1st day of April, 2006 but on or before the 31st day of March, 2007,

(i) by the National Highways Authority of India constituted under section 3 of the National HighwaysAuthority of India Act, 1988 (68 of 1988) or

(ii) by the Rural Electrication Corporation Limited, a company formed and registered under theCompanies Act, 1956 (1 of 1956), and notied by the Central Government in the Ofcial Gazette for thepurpose of this section with such conditions (including the condition for providing a limit on the amount ofinvestment by an assessee in such Bond) as it thinks t

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Provided that where any Bond has been notied before the 1st day of April, 2007, subject to the conditionsspecied in the notication by the Central Government in the Ofcial Gazette under the provisions of clause (b)as they stood immediately before their amendment by the Finance Act, 2007, such Bond shall be deemed to bea Bond notied under this clause.

(c) Long term specied asset for making any investment under this section on or after the 1st day of April,2007 means any bond, redeemable after three years and issued on or after the 1st day of April, 2007 by the

National Highways Authority of India constituted under section 3 of National Highways Authority of India Act,1988 or by Rural Electrication Corporation Limited, a company formed and registered under the CompaniesAct, 1956 (1 of 1956).

It is recommended that the Bondholders / Subscribers should also consult their own tax advisors on the taximplications of the acquisition, ownership and sale of the Bonds, and income arising thereon.

Please Note:

Where the application for the Bonds is made by the subscribers in joint names, such joint holder(s) shall ensurethat no separate application has been made by such joint holder as an applicant singly or jointly with some otherapplicants. If such separate application is made, the investments made in the 54 EC Bond Issues of NHAI & RECduring F/Y 2013-14 shall not in aggregate exceed Rs. 50 lakhs (Rupees Fifty lakhs).

NHAI shall not be responsible for any consequences including denial of any benet u/s 54 EC of the Income TaxAct, 1961 that may arise on account of multiple applications being made by the applicant either singly or alongwith other joint holders such that the investments in the 54 EC Bonds during the F/Y 2013-14 exceed Rs.50 lakh(Rupees Fifty lakh).

BONDS IN DEMATERIALIZED FORM

All the provisions relating to issue, allotment, transfer, transmission, etc. in respect of dematerialization andre- materialization of the Bonds as may be prescribed under the Depositories Act, 1996 and the Rules there-underor by the National Securities Depository Limited/ Central Depository Services Limited or such similar agency,would be applicable to these Bonds.

Applicants who had not initially opted for demat option, may forward the Letter of Allotment / Bonds(s) Certicate

alongwith demat request through their depository participant to the Registrar for dematerialization of instrument.In case any subscriber wishes to hold the Bonds in physical form, the subscriber is required to choose (tick) at theappropriate place in the application Form.

LETTER OF ALLOTMENT AND BOND CERTIFICATE

NHAI will make allotment to the investors in due course after verication of the Application by the Registrars, theaccompanying documents and on realization of the application money.

Subject to the completion of all legal requirements, NHAI will issue the Bond Certicates (in case of Physical option)within 3 months from the Deemed Date of Allotment or such extended period as may be decided by NHAI. Forinvestors opting for dematerialized mode, the Bonds shall be credited to the depository account indicated by theinvestor, after completion of all formalities regarding issuance of bonds.

ISSUE OF DUPLICATE BOND CERTIFICATES

If any Bond Certicate(s) is / are mutilated or defaced (in case of physical form), the same may be replaced by theAuthority against the surrender of such Certicate(s), provided, the certicate number and distinctive numbers arelegible.

If any Bond certicate(s) is/are mutilated or defaced and the certicate number and the distinctive numbers arenot legible or in case a certicate(s) is/are destroyed, stolen or lost, then upon production of proof thereof to thesatisfaction of the Authority and upon furnishing such indemnity/ security and / or documents as the Authority maydeem adequate, duplicate Bond certicate(s) shall be issued. In the event that multiple claims are registered forsuch Bonds, then the decision of NHAI shall be nal subject to applicable laws.

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SECURITY

The Bonds will be secured by a legal mortgage over the Authoritys immovable property, located in Gujarat, or suchother immovable property that may be agreed between the Authority and the Trustees for the Bondholders rankingpari-passu with the mortgages created and / or to be created on the said property for securing the Bonds or anyother instruments.

The Bonds will at all times rank pari-passu with other creditors (present and future) secured against the saidproperty including bonds already issued and secured and the Bonds to be issued and secured by the Authority fromtime to time against the said property.

AGENTS AND TRUSTEES

Syndicate Bank (Trustees) has agreed to act as the Agent and Trustee for and on behalf of the Bondholders.The Bondholders shall, by signing the application form and without any further act or deed, be deemed to haveirrevocably given their consent to the authorized agent and Trustees or any of their agents or authorized ofcialsto do inter-alia all acts, deeds and things necessary in respect of relating to the security to be created for securingthe Instrument being offered in the Terms and Conditions of the Private Placement. All the rights and remediesof the Bondholders shall vest in and shall be exercised by the said Trustee without having it referred to theBondholders.

RIGHT TO ACCEPT OR REJECT ANY APPLICATION

The Authority can at its absolute discretion accept or reject any application, in full or in part, without assigning anyreasons thereof. Application forms that are not complete in all respect are liable to be rejected. The full subscriptionamount of the Bonds applied for has to be paid along with the Application Form.

In case the application for allotment of Bonds is rejected by the Authority, application money shall be returned tothe subscriber.

WITHDRAWAL OF APPLICATIONS

Withdrawal of applications will not be permitted once the amount has been credited to the account of NHAI.

LIMITATION OF LIABILITYLiability of NHAI shall be limited to only the principal and interest, in terms of this Information Memorandum, onthe Bond. NHAI shall not be liable for any cost, loss, damage, injury or claim due to the terms of this Bond or anymatters incidental thereto including change or amendment in any Law or Regulation, proceedings in court or dueto rejection of the Application.

FURTHER BORROWINGS

NHAI shall be entitled, from time to time, to make further issues of Debentures / Bonds or such other instrumentto the Public or to any other person(s) and / or raise further loans / advances and / or avail of further and orguarantee(s) facilities from Indian or International Financial Institutions, Bank and or any other person(s) on thesecurity of or any part thereof and / or such other assets and properties and having such ranking as may be decidedby NHAI from time to time.

TRANSFER OF BONDS

During the entire three years from the deemed date of allotment, the Bonds are non-transferable, non-negotiableand cannot be offered as a security for any loan or advance.

NOMINATION

The (sole) Bondholder (being individual) or rst Bondholder, along with other Bondholders [being individual(s) maynominate any one person who, in the event of death of the (sole) Bondholder or all the Joint Bondholders, as thecase may be, shall become entitled to the Bond(s). Nominee can only be an individual and not more than oneperson can be nominated. The Karta of HUF and Power of Attorney holders cannot nominate

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SUCCESSION

Where the Bonds have been issued to an HUF, Karta of the HUF will be the Bondholder. Where a nomination hasnot been made or the nominee predeceases the Bondholder, the provisions of this paragraph will apply:

In the event of demise of the sole Bondholder, or the last survivor in case of Joint Bondholders, NHAI will recognizethe executor or administrator of the deceased Bondholder, or the holder of succession certicate, as, theBondholder, for purpose of giving a valid discharge. The Authority shall not be bound to recognize such executor,

administrator, unless such executor or administrator obtains probate or letter of administration, being conclusiveproof of succession, from an appropriate court in India. The Chairman, NHAI may, in his absolute discretion,where he thinks t, dispense with production of probate or letter of administration or succession certicate or otherlegal documents. In cases where the value of the Bond do not exceed Rs.1,00,000 (Rupees one lakh only) uponsubmission of Indemnity Bond, no objection certicate from legal heirs and such other documents as may beconsidered appropriate by NHAI.

RIGHTS OF THE BONDHOLDERS

The Bonds shall not, confer upon the Bondholders thereof any rights or privileges including the right to receivenotices or annual reports of, or to attend and / or vote, at the Meeting of NHAI. If any proposal affecting the rightsattached to the Bonds is to be placed before NHAI, the said proposal will rst be placed before the registeredBondholders or Trustees for their consideration.

The Bonds are subject to the provisions of the NHAI Act, the terms of this Information Memorandum and ApplicationForm. Over and above such terms and conditions, the Bonds shall also be subject to other terms and conditionsas may be incorporated in the Agreement / Bond Trust Deed / Letters of Allotment /Bond Certicates, guidelines,notications and regulations relating to the issue of Bonds and listing of securities issued from time to time by theGovernment of India and or other authorities and other documents that may be executed in respect of the Bonds.

The Bonds comprising the present Private Placement shall rank pari passu inter se without any preference to orpriority of one over the other or others over them and shall also be subject to the other terms and conditions tobe incorporated in the Agreement / Trust Deed(s) to be entered into by NHAI with the Trustees and the Letters ofAllotment / Bond Certicates that will be issued.

MODIFICATION OF RIGHTS

The rights, privileges and conditions attached to the Bonds may be varied, modied and/or abrogated with the

consent in writing of the Bondholders of at least three-fourths of the outstanding amount of the Bonds or with thesanction of the Trustees, provided that nothing in such consent or sanction shall be operative againstNHAI, where such consent or sanction modies or varies the terms and conditions governing the Bonds, if thesame are not acceptable to NHAI.

REGISTER OF BONDHOLDERS

A Register of Bondholders will be maintained by NHAI and sums becoming due and payable in respect of theBonds will be paid to the Registered Holder thereof whose name is for the time being stand in the Register ofBondholders. However, in case of Bonds held in Demat form, a register/account of beneciaries will be maintainedby the Depository and sums becoming due and payable in respect of the Bonds will be paid to the registeredbeneciary thereof whose name for the time being stands in the Register/Account of beneciaries in records ofthe Depository.

NOTICES

Any communication/notice to the applicant(s)/Bondholder(s) required to be given by NHAI shall be deemed to havebeen given if sent by an ordinary post to the sole/rst allottee or to sole/ rst registered holder of the bonds, as thecase may be.

All notice to be given by the Bondholder(s) shall be sent by registered post or by hand delivery to NHAI or to suchpersons at such address as may be notied by NHAI from time to time.

GOVERNING LAW AND JURISDICTION OF COURTS

The Bonds are governed by and shall be construed in accordance with the applicable Indian laws. Any disputebetween the Authority and the Bondholder will be subject to the exclusive jurisdiction of Courts at Delhi.

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PART III

PROFILE OF NATIONAL HIGHWAYS AUTHORITY OF INDIA INTRODUCTIONNational Highways Authority of India (Authority) is an autonomous organization of Government of India under theMinistry of Shipping, Road Transport & Highways and was constituted on 15th June, 1989 under Section 3 (1) ofthe National Highways Authority of India Act, 1988 (NHAI Act) mainly to survey, develop, maintain and manage theNational Highways, to construct ofces or workshops, to establish and maintain hotels, restaurants and rest roomsat or near the highways vested in or entrusted to it, to regulate and control the plying of vehicles, todevelop and provide consultancy and construction services and to collect fees for services or benets rendered inaccordance with Section 16 of the NHAI Act. As per NHAI Act, certain stretches of National Highways have beenentrusted to NHAI by the Government for development, maintenance and management.

The operations of the Authority commenced in 1995. It has been getting funds from the Government of India throughBudgetary route. The Government of India has passed the Central Road fund Act, 2000, creating a dedicatedfund for road development in India into which the Petrol/ Diesel cess is being credited. NHAI is entitled to receivea allocation out of this fund for Highway development. NHAI is authorized to leverage cess to bridge short-termresources gap and NHAI is contemplating raising of funds by way of various means including this Bond Issue.

Apart from this, borrowings from multilateral lending institutions like World Bank, ADB and JBIC are also applied or

Highway construction related expenditure by NHAI.

PROJECTS BEING UNDERTAKEN BY NHAI

After the announcement of NHDP in the year 1999 and with the approval of NHDP Phase-I in 2000, the scope ofNHDP has been enlarged substantially. Presently, the Government has approved the following programmeunder NHDP:-

NHDP Phase-I: Four laning of 7498 Km. at an approved cost of Rs. 30,300 crore in December, 2000.NHDP Phase-II: Four laning of 6644 Km. at an approved cost of Rs. 34,339 crore in December, 2003.NHDP Phase-III*: Four/Six laning of 12109 Km. at an estimated cost of Rs.80,626 crore in Year, 2007.

NHDP Phase-IV: 2 laning with paved shoulders of 20,000 km of National Highways on BOT/Annuity basis.Tentative estimated cost: Rs.27,800 crore and the scheduled completion period is December, 2015. NHDPPhase-V: Six laning of 6520 Km. with an investment of Rs. 41,210 crore.

NHDP Phase-VI: Expressways of 1000 Km. at an estimated cost of Rs. 16, 680 crore in November, 2007. NHDPPhase-VII: Ring Roads, Bypasses, Grade Separators, Flyover etc. in several important cities (on BOTbasis where feasible) Tentative estimated cost: Rs.16,680 crore and scheduled completion December, 2014.

* Include 780 Km. having an estimated cost of Rs. 6782 crore in the State of Bihar which will be implementedasa part of NHDP-IIIA.

AUDIT

The account of the Authority are audited by the Comptroller & Auditor General of India under Section 19 (2) of theComptroller & Audit Generals (Duties, powers and Condition of Service) Act, 1971 read with Section 23 of the NHAIAct.

MISSION

The mission of the Authority is to meet the Nations need for the provision and maintenance of National Highwaynetwork to world standards within the strategic policy framework set by the Government of India.

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SHARE HOLDING PATTTERN

NHAI does not have share/equity capital. It is an autonomous body established under NHAI Act, under Ministry ofRoad Transport and Highways, Government of India.

MANAGEMENT

The management of the Authority is vested with the Members, comprising of Chairman and Members, Wholetimeand Part-time. The composition of the members of the Authority as on 1st April, 2013 is given below:

Chairman Shri R.P. Singh, IAS (Retd.)

Members (Wholetime) Shri Narendra Kumar, IAS, Member (Administration)

Shri Satish Chandra, IAS, Member (Finance)

Shri B.N. Singh, Member (Projects)

Shri M.P. Sharma, Member (Technical)

Members (Part Time) Ms. Sindushree Khullar, IAS, Secretary,Planning Commission

Sh. R.S.Gujaral, IAS, Secretary to Government of India, Departmentof Expenditure, Ministry of Finance

Shri Vijay Chhibber, IAS, Secretary, Ministry of Road Transport & Highway

Shri C.Kandasamy, DG(RD) & SS, Ministry of Road Transport & Highway

PAST FINANCIAL PERFORMANCE OF NHAI(Rs. In crore)

Year Ended 31st March 2009 2010 2011 2012

Income 12.57 37.84 37.93 34.84

Expenditure 105.38 114.71 149.84 160.98

Prot for the year 0 0 0 0

Net Prot (including prior period adjustments) 0 0 0 0

Add: Surplus b/f from previous year 411.99 411.99 411.99 411.99

Surplus carried to Balance Sheet 411.99 411.99 411.99 411.99

Capital 36843.39 44448.09 55195.06 64785.35

Reserve & Surplus 1765.31 4119.88 4119.88 4119.88

Grants 13086.87 13356.54 13676.20 13674.90

Borrowings 5590.18 5123.15 6800.69 17377.77

Net Block 32.79 32.17 35.96 35.35

Current Assets, Loans & Advance 8359.19 5520.44 5980.33 15363.21

Capital Work in Progress 53932.23 65545.41 79163.94 92443.95

Fixed Assets 53958.90 65571.45 79193.78 92473.18

Net Current Assets 2408.05 3280.61 4185.76 2644.18

BORROWING POWER OF THE AUTHORITY

As per Section 21 of the NHAI Act: The Authority may, with consent of the Central Government or in accordancewith the terms of any general or special Authority given to it by the Central Government, borrow money from anysource by the issue of bonds, debentures or such other instruments as it may deem t for discharging allor any of the functions under the NHAI Act.

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List of Bank Branches

The forms can be deposited across the country in any branch of Union Bank of India and IDBI Bank.In addition the forms can also be deposited in any of following branches of Axis Bank, Canara Bank, HDFC Bank,ICICI Bank, Kotak Mahindra Bank, State Bank of India, Syndicate Bank & Yes Bank Ltd.

S.N. Name of City Addresses (in addition to Union Bank of India and IDBI Bank Ltd.)

1 Agartala Yes Bank: 393/393A, Chowmuhani

2 AgraAxis Bank : Anupam Plaza II, Sanjay Place ICICI Bank: Shanta Tower, Sanjay Place, Kotak Mahindra Bank:M.G.Road, HDFC Bank Ltd., Civil Lines, Yes Bank :Sanjay Palace,

3 AhmedabadSyndicate Bank : Neptune Tower, Ashram Road, SBI: Main Branch, Bhadra, Axis Bank : Law Garden, EllisBridge, Canara Bank : Narin Chamber, Ashram Road ICICI Bank: JMC House, Ambawadi Kotak Mahindra Bank: Navrangpura, HDFC Bank Ltd.: Near Mithakhali Six Raod,Navrnagpura: Yes Bank: C.G. Centre, C.G. Road

4 AhmednagarCanara Bank: Burudgoan Road, Kotak Mahindra Bank: Hotel Oberoi, Manmad Road, HDFC Bank Ltd.: AmbarPlaza, Station road: Yes Bank :Mark Square Apartments, Savedi Village

5 Aizwal Yes Bank : D-44, New Street, Mission Veng

6 Ajmer Canara Bank : M.G. Marg HDFC Bank Ltd.: HDFC Bank Ltd. Rajasthan Patrika Building,

7 Akola Canara Bank : M.G. Road HDFC Bank Ltd.: Sethi Heights, Opp. Zilla Parishad

8 Aligarh Canara Bank : Gandhi Marg HDFC Bank Ltd.: Bhalla Complex Ramghat Road Yes Bank : Marris Road,

9 AllahabadSyndicate Bank: Sardar Patel Marg, Civil Lines (Tel.2610854), SBI: Main Branch; Axis Bank : M.G. Marg, CivilLines Kotak Mahindra Bank : . Sardar Patel Marg Civil Lines, Yes Bank: Sardar Patel Marg Civil Lines HDFCBank Ltd.: Sardar Patel Marg Civil Lines

10 Alwar HDFC Bank Ltd.: Bhagat Singh Circle,Opp.UIT, Yes Bank : Scheme No 2, Lajpat Nagar (Opp ICICI Bank)

11 AmbalaCanara Bank : Cantt Branch, Axis Bank : Jagadri Road HDFC Bank Ltd.: Nicholson Road, Yes Bank :ShantiComplex, Jagadhari Road,

12 Amravati HDFC Bank Ltd :Rasik Plaza , Morshi Rd , Jaystambh Chowk ,

13 Amreli HDFC Bank Ltd.: Manekpara Main Road

14 AmritsarCanara Bank : D.S Mkt, Axis Bank : Kennedy Avenue, Court Road ICICI Bank: M.C International The Mall KotakMahindra BankMall Road HDFC Bank Ltd.: 26 Kennedy Avenue Yes Bank Ltd : 42, Mall Road

15 AnandSBI: Anand, Gujrat Kotak Mahindra BankMota Bazar Vallab Vidya Nagar, HDFC Bank Ltd.: Sanket Complex,Grid Cross Road; Yes Bank : Amul Dairy Road

16 Ankleshwar HDFC Bank Ltd.: HDFC Bank Ltd., GIDC Estate, S.A.Motors Building, Old Ankleshwar Highway

17 AsansolAxis Bank : Sen Raleigh Road, HDFC Bank Ltd.: P.C Chatterjee Market , Rambandhu Talaw, Yes Bank :G.T.Road, Murgasol

18 AurangabadAxis Bank; Adalat Road, Near Kranti Chowk; Kotak Mahindra BankHanuman Colony Jalna Road HDFC BANKLTD. Divekar Plaza, Railway Station Road,Padampura : Yes Bank: Adalat Road

19 Bagalkot HDFC Bank Ltd.: Opp:Railway Station

20 Balasore HDFC Bank Ltd.: F.M.Circle,Balasore

21 BangaloreSyndicate Bank: 2nd Cross, Gandhi Nagar, Canara Bank : Town Hall , Jayanagar 4th Block, SBI: State BankRoad; Axis Bank : No. 9, M. G. Road; ICICI Bank: Commis- Sariat Road, Kotak Mahindra Bank :Chancery Hotellavelle Road HDFC Bank Ltd.: SALCO CENTRE # 8/24, Richmond Road; Yes Bank Ltd : Kasturba Road

22 Banswara Yes Bank Ltd: Manglam Complex, Opp Amba Mata Temple

23 Barabanki Yes Bank: Verma Market, Azad Nagar

24 BardoliAxis Bank: Manchhada, Sankskruti Bbhawan HDFC Bank Ltd.: Station Road,Sardar Baug, Yes Bank Ltd: CityCentre, Station Road

25 BareillyCanara Bank : Civil Lines Axis Bank: 148, Civil Lines, HDFC Bank Ltd.: Krishna Place, Civil Lines; Yes BankLtd : Civil Lines

26 Barmer Yes Bank : Rai Colony Road, laxmi Nagar

27 Batala HDFC Bank Ltd.: SCF-173-174 Jalandhar Road

28 Begusarai HDFC Bank Ltd.: Kachhari Chowk, Today Market

29 BelgaumAxis Bank: Khanapur Road, Tilakwadi ICICI Bank: Shree Krishna Towers, Khanapur Road, Tilakwadi HDFC BankLtd,. Opp District Hospital Dr Ambedkar Road.

30 Bhagalpur HDFC Bank Ltd.: Triveni Appartment, Dr. R. P Road

31 Bahadurgarh Yes Bank : Venus Plaza, Nehru Park

32 BharuchAxis Bank: Shri SAd Vidya Mandal Institute Of Technology College Campus ICICI Bank: Blue Chip Complex,Sevashram Road, Panchbatti Kotak Mahindra Bank Yash Kamal Complex, Linking Road Crossing nandalevHDFC Bank Ltd: 127, Alfa Society, Link Road; Yes Bank: Sevashram Road, Paanch Batti

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33 BhatindaAxis Bank: Tp Scheme, The Mall HDFC Bank Ltd.: HDFC BANK LTD 83/1 Liberty Chowk,Civil Lines Yes Bank :Main G.T. Road, Guru Kashi Marg

34 BhavnagarICICI Bank: Opp. Central Salt Research Institute,Waghawadi Road Kotak Mahindra BankBhavna ConstructionG.R.Sterling Centre Waghwadi Road HDFC Bank Ltd.: Sterling Point, Waghawadi Road, Yes Bank: WaghawadiRoad

35 Bhilai Axis Bank: Off. G E Road, Supela Chowk HDFC Bank Ltd.: Chauhan Estate, G.E. Road, Supela,

36 BhilwaraAxis Bank: Heera Panna Campus, Pur Road HDFC Bank Ltd.:SK Plaza, Pur Road Yes Bank: Badal Complex,

Gangapur Road37 Bhiwadi HDFC Bank Ltd.: RIICO Chowk Bhiwadi

38 Bhiwani HDFC Bank Ltd.: S-175D/1, Jalan Nagar, Meham Chowk.

39 BhopalSyndicate Bank: Berasia Road SBI: New Market, T.T. Nagar Axis Bank: Zone - I, M.P.Nagar, 2738477), CanaraBank:Berasia Road ICICI Bank: Alankar Palace, M. P. Nagar, Kotak Mahindra Bank214, Bhagwan Complex, MP Nagar, HDFC Bank Ltd.: Asha Avenue, M P Nagar, Yes Bank : Phase-1, M P Nagar

40 BhubaneshwarSyndicate Bank: Kalpana Square, Canara Bank : Bapu Nagar, Janpath Kotak Mahindra Bank184, GroundFloor,Janpath HDFC Bank Ltd.: C111, Business Park, Sahid Nagar; Yes Bank : 31, Bapuji Nagar

41 Bhuj HDFC Bank Ltd.: Sunrise Tower , Vijay Nagar , Hospital Road

42 Bhusaval HDFC Bank Ltd.: Mansingh Complex. Jamner Road, Opp CSM Complex

43 Bikaner HDFC Bank Ltd.: Roshan Plaza, Rani Bazar

44 Bilaspur HDFC Bank Ltd.: Prashant Complex,Opposite Sheffers School,Mungeli Road

45 Bokaro Axis Bank:Hotel Blue Diamond HDFC Bank Ltd.: B-9 , City Centre , Sector-446 Burdwan Axis Bank: City Tower,23 G.T. Road HDFC Bank Ltd.: 45 GT Road

47Camac Street(Kolkata)

Yes Bank : 19, Camac Street, Kolkata

48 CalicutAxis Bank: Marina Mall, YMCA Cross Road HDFC Bank Ltd : 3rd Floor, Simax Towers, Kannur Road,Nadakkave

49 ChandigarhSyndicate Bank:SCO, 66-67, Sector-17-B Axis Bank: Sector 35-B, ICICI Bank: SECTOR 9-D, Kotak MahindraBankMadhya Marg Sector 9 C; HDFC Bank Ltd.: SCO-189-190 Sector 17 C, Yes Bank : Madhya Marg Sector9 C;

50 Chas-Bokaro Yes Bank : Golden Palace, Bye Pass Road

51 Chenganassery HDFC Bank Ltd.: Golden Towers,MC Road

52 Chengannur HDFC Bank Ltd.: Bin Tower, Govt Hospital Junction, M.C Road

53 Chennai

Syndicate Bank: Leelavathy Building, Armenian Street Canara Bank : Mount Road SBI: Prakasam Road, T.

Nagar Axis Bank: 82, Dr.Radhakrishnan Salai, Mylapore ICICI Bank: Prakash Presidium, Nungambakkam HighRoad Kotak Mahindra BankAnna Salai,Chennai HDFC Bank Ltd.:Dr. Radhakrishnan Salai, Opp. to CSI KalyaniHospital, Mylapore Yes Bank : Uthamar Gandhi Salai, Nungambakkam High Road

54 Chiplun Yes Bank :Bageshree, Markandi, Chiplun

55 Chittaurgarh Yes Bank :S.S Plaza, Chittorgarh Bhilwada Road

56 Cochin Kotak Mahindra Bank: Kumarapillai Estate M G Road; HDFC Bank Ltd.: Palarivattom

57 CoimbatoreCanara Bank : Oppankara Street Axis Bank: Avinashi Road, Pappanaickenpalayyam ICICI Bank: Cheran Plaza,Trichy Road Kotak Mahindra Bank727, Avinashi Road Skanda Square; HDFC Bank Ltd.: WBO,Classic Towers, Trichy Road Yes Bank: Near Manchester Regent, Avinashi Road

58 Cuddapah HDFC Bank Ltd, RRR Towers, Dwaraka Nagar, RS Road, Nagarajupalli,

59 Cuttack Axis Bank: 34, Dolamondai, Badambadi HDFC Bank Ltd, Bajrakabati Road

60 Dahanu HDFC Bank Ltd.: Matru Ashish, Irani Road.

61 Daman

HDFC Bank Ltd.: Ace Shopping Mall, Dilip Nagar, Teen Batti Yes Bank :Nilkanth Residency, Near Hotel Presidency

(Suruchi), Vapi Daman Main Road,

62 Darbhanga HDFC Bank Ltd.: Natraj Bhawan, Katki Bazar, Tower Chawk, Darbhanga, Bihar

63 Davangere HDFC Bank Ltd.: #651 B H M Enclave, HM Road, Mandipet,Davangere

64 DehradunCanara Bank : R.P. Road Axis Bank: Rajpur Road ICICI Bank: New Cantt Road, Hathibarkala HDFC Bank Ltd.:WBO Deptt, HDFC Bank : 56, Rajpur Road; Yes Bank :Rajpur Road,Hotel Classic International

65 Deogarh HDFC Bank Ltd.: Assam Acess Road,Near Tower Chowk

66 Dewas Yes Bank :Diamond Towers, Tilak Nagar, A B Road

67 DhanbadAxis Bank: Shri Ram Plaza, 1St Floor, Bank More Kotak Mahindra Bank:18,Ramson Arcade, Shastri Nagar,HDFCBank Ltd.: Sri Ram Plaza , Bank More Yes Bank : Sri Ram Plaza , Bank More

68 Dhampur Yes Bank : Punjabi Colony, Kalagarh Road,

69 Dharamshala HDFC Bank Ltd.: 363/3 , Centre Point , Civil Line,

70 Dharuhera Yes Bank :Next to Police Station

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71 Dhule HDFC Bank Ltd.: Wholesale Banking Operations(CMS), undada Arcade, Parola Road

72 Dhuri Yes Bank : H No 539, Sanarur Road

73 Durg Bhilai Yes Bank : Shivnath Complex,G E Road,

74 DurgapurAxis Bank: Sahid Khudiram Sarani, City Center HDFC Bank Ltd.: Balai Commercial Complex, Benachity,NachanRoad. Yes Bank : Citi Plaza, City Centre,

75 Ernakulam Canara Bank: Broadway ICICI Bank: Emgee Square, M.G.Road

76 Erode Axis Bank: Perundurai Rd., Veerappan Chathiram Panchayat HDFC Bank Ltd.: Lotus Enclave,Brough Road,

77 FaridabadSyndicate Bank: Neelam Bata Road, Canara Bank : Nehru Ground NIT ICICI Bank: District Centre, Sector 16Yes Bank : Sector 16

78 Fatehabad Yes Bank : Jain Tower, Anaj Mandi,

79 Fazilka HDFC Bank Ltd.: MC No. 594,Gaushala Road

80 Ferozepur HDFC Bank Ltd.: Building No.30/7, Udham Singh Chowk,

81 Firozabad Yes Bank : I.S. Plaza, 527 & 528 S.N. Road

82 Gandhidham HDFC Bank Ltd.: Plot No.1, Sector-8, Rabindranath Tagore Road,

83 Gandhinagar Yes Bank :Poornima Guest House, Sector 16

84 Gangtok Yes Bank Ltd : Hungry Jack Plaza, NH-31A,

85 Gaya HDFC Bank Ltd.: K.P.Road Near Ghanta Ghar

86 GhaziabadSyndicate Bank:Navyug Mkt. Canara Bank : Maliwara Chowk ICICI Bank: Raj Nagar; Yes Bank Ltd : RajnagarDist Centre (RDC),

87 Gondal HDFC Bank Ltd.: Wholesale Banking Operations, 1st Floor, Aadinath Complex , College Chowk,

88 GorakhpurAxis Bank: AD Chowk, Bank Road HDFC Bank Ltd.: Shreenath Complex, 10, Park Road, Civil Lines, Yes Bank: Park Road, Civil Lines

89 Guntur ICICI Bank: PMG Complex, Lakshmipuram Main Road

90 Gurdaspur HDFC Bank Ltd.:SCF-1 Improvement Trust Bldg, Hanuman Chowk,

91 GurgaonSyndicate Bank: Old Railway Road,Canara Bank : Old Railway Road Axis Bank: Sector-14,Near HUDA OfceICICI Bank: HUDA Shopping Centre, Sector-14 Yes Bank:Fortune Global Arcade, Sikandarabad, MehrauliGurgaon Road

92Guskara(Bardman-W.B)

Axis Bank: Guskara Main Road, Siristala,Dist. Bardhaman,

93 GuwahatiCanara Bank : Fancy Bazar Axis Bank: G.S. Road, Dispur, ICICI Bank: G S Road, Bhangagarh Kotak MahindraBank4th Floor, Ganapati Enclave G S Road HDFC Bank Ltd.: Buildwell Compound,Near Darwin CampusZOO

Road Yes Bank : Asian Complex, Uluburi Part II, Distt.Kamrup,

94 GwaliorSyndicate Bank: Moti Market, Lashkar , Canara Bank : Dal Bazar Tiraha Lashkar, Axis Bank: ShrimantMadhavrao Scindia Marg HDFC Bank Ltd.: J K Plaza, Gast Ka Tazia, Lashkar

95 Hajipur HDFC Bank Ltd.: Vimel Complex, Dak Banglow Road, Hajipur

96 Haldwani HDFC Bank Ltd.: 8/6 Bhotia Paraw, Nainital Road, Haldwani

97 Halol Yes Bank : Opp. Jawahar Nagar, Godhra Road

98 Hamirpur HDFC Bank Ltd.: NH-88, New Road,

99 Hazaribagh HDFC Bank Ltd.: HDFC Bank : Annanda Chowk

100 Himmatnagar HDFC Bank Ltd.: Kumar House , Durga Oil Mill Compound

101 HissarCanara Bank : Kamla Nagar, Facing Red Square Market Axis Bank: SCO No. 177, Commercial Urban EstateICICI Bank: Kamla Palace Road, Red Square Market HDFC Bank Ltd.:,Akash Plaza,Near Jindal Chowk

102 Hoshiarpur HDFC Bank Ltd.: WBO, Ist Floor, Opp Maharaja Hotel, Sutheri Road

103 HosurHDFC Bank Ltd.: Maruthi Nagar, Yes Bank : GSN Arcade, Besides Vemala Kalyana Mandapam, Bye PassRoad,

104 HubliAxis Bank: New Cotton Market, Deshpande Nagar ICICI Bank: Eureka Junction, Travellers Bungalow Road HDFCBank Ltd.: Shriram Plaza Dervice Branch Club Road

105 HyderabadSyndicate Bank:Nizam Shahi Road, Canara Bank : M.J. Market, Abid Road SBI: Bank Street, Koti Axis Bank:Begumpet Road ICICI Bank: TGV Mansions, Khairatabad Kotak Mahindra BankPavani Jewel Tower, SomajigudaHDFC Bank Ltd.: Suryodaya,Begumpet Yes Bank : Bank Towers, Rajbhawan Road, Samajiguda

106 Ichalkaranji HDFC Bank Ltd.: Main Road ,Janta Chowk,

107 IndoreCanara Bank : MG Rd; Axis Bank: Y N Road ICICI Bank: Chhoti Khajrani, Malav Parisar, A-B Road KotakMahindra Bank 580 , M.G.Road HDFC Bank Ltd.: Brilliant Avenue, Sector -B, Ring Road; Yes Bank : M.G.Road

108 Itanagar Yes Bank : LK Building, Sector E, Main Road, Opposite Arunachal Pradesh Secretariat

109 Itarsi Yes Bank : Sarafa Baazar, Next to HDFC Bank,

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110 JabalpurAxis Bank: Model Road,Wright Town SBI: Main HDFC Bank Ltd.: Kumbhare Mension,Vijay Nagar Main Road ,SBI Chowk,

111 Jagadhri HDFC Bank Ltd.: Plot No.1, Rajesh Nagar Colony, Ambala Road,

112 Jagraon HDFC Bank Ltd.: OPP SSP Ofce,Tehsel Road

113 JaipurCanara Bank : M I Road Axis Bank: Ashok Marg, C-Scheme, ICICI Bank: Subhash Marg, Near Ahimsa Circle,C-Scheme Kotak Mahindra Bank57, Krishna Tower , Sardar Patel Marg,C-Scheme HDFC Bank Ltd.: HDFCBank House, Ashok Marg,C-Scheme Yes Bank : Green House, Ashok Marg

114 JalandharSyndicate Bank: Model Town Rd, Canara BankBMC Chowk Axis Bank: Opp Mini Secretariat, Ladowali RoadKotak Mahindra BankMidas Corporate Park G T Road HDFC Bank Ltd :1st Floor, 911, GT Road, Nr. NarinderCinema; Yes Bank : Satnam Complex, BMC Chowk, G.T. Road,

115 JalgaonHDFC Bank Ltd.: 3rd Floor, Sugan Heights,TPS II,Near Central Bus Stand Yes Bank : India Plaza, SwatantryaSquare,

116 JammuSyndicate Bank:Sant Palace, Purani Mandi Canara Bank : Karan Bhawan, Shali- Mar Road, Axis Bank: HighlandTower, Rail Head Complex HDFC Bank Ltd.: CB-13, Rail Head Commercial Complex, Gandhi Nagar Yes Bank :Plot No. 20, Block B/C, Gandhi Nagar, Green Belt

117 JamnagarSBI: New Super Market Axis Bank: Park Colony Main Road, Near Joggers Park, Kotak Mahindra BankSUNIDHI, Park Colony, Opp. St. Anns School, Pandit Nehru Marg, HDFC Bank Ltd.: Abhishek, Saru SectionRoad,Near Savan Appartment

118 JamshedpurCanara Bank : Bistupur, Axis Bank: Voltas House, Near Ram Mandir, Bistupur , ICICI Bank: Natraj Mansion,Main Road, Bistupur Kotak Mahindra BankGayatri Enclave, K. Road, S. Town Bistupur, HDFC Bank Ltd.: 105,SNP Area , Sakchi

119 Jhansi Canara Bank : Civil Lines HDFC Bank Ltd.:Damroo Cinema Complex , Civil Lines Yes Bank : Civil Lines

120 Jhajjar Yes Bank : Kadian Complex, Kanwar Colony, New Rohtak Road

121 Jind HDFC Bank Ltd.: SCF-5 Rani Talab Yes Bank :SCO No 7, District Shopping Centre

122 Jodhpur

SBI : High Court Campus, Axis Bank: Prince Tower, Residency Road, ICICI Bank: Refugee Colony (SindhiColony) Near Jaljog Circle Kotak Mahindra Bank : Bombay Motor Building, Bombay Motor Circle, ChopasaniRoad, Jodhpur342003 HDFC Bank Ltd.: 15, Keshav Comlex, Nimbera House, Paota, Mandore Road Yes Bank;117/4, PWD Colony

123 Jorhat Yes Bank : R K Mahabir Prasad building, A. T. Road,

124 Junagadh HDFC Bank Ltd.:Moti Palace, Opp.Rayji Nagar, Moti Baugh Road.

125 Kadi HDFC Bank Ltd.: Radhaswami Complex,Kadi

126 Kaithal HDFC Bank Ltd.: 1450/51 Ambala Road, Pehowa Chowk

127 Kakinada HDFC Bank Ltd.: #20-1-46,Main Road,OPP SRMT

128 Kangra HDFC Bank Ltd.: Near Bus Stand Kangra

129 Kannur HDFC Bank Ltd.: HDFC Bank ,Ist Floor KVR Tower,South Bazar

130 KanpurSyndicate Bank: Sarvodaya Kotak Mahindra Bank17/03, The Mall Meghdoot Hotel Building HDFC Bank Ltd.:Civil Lines, Yes Bank : Padam Tower, 14/113 Civil Lines

131 Kapurthala HDFC Bank Ltd.: The Mall Near MGN Public School Yes Bank : Link Road, Jallandhar Road

132 Karad HDFC Bank Ltd.: Besides Hotel Sangam, Kolhapur Naka

133 Karnal HDFC Bank Ltd.: SCO :778-779, Opp. Mahabeer Dal Hospital Yes Bank : SCO 253, Sector 12, Urban Estate

134 Karur Canara Bank : Jawahar Bazar HDFC Bank Ltd.: 126/D/E Annai Plaza,Kovai Road

135 Khanna HDFC Bank Ltd.: Opp. Bus Stand. G.T. Road

136 Kashipur #257, Ramnagar Road, Dist Uddham Singh Nagar

137 KochiSyndicate Bank: Parry Junction, Thoppumpady (Tel.2235064) Axis Bank: Chicago Plaza, Rajaji Road Yes Bank

: Puthuran Plaza, Northern Side, KPCC IN, MG

138 Kolhapur

Axis Bank: Sykes Extension, Rajaram Road, ICICI Bank: Rajaram Road, Rajarampuri, Kotak Mahindra BankShop No B4-B8, Royal Prestigesai Extension, Raja Rampuri Road, HDFC Bank Ltd.: Gemstone, E Ward NewShahupuri, Nr Central Bus Stand Yes Bank: Insignia Commercial Complex, Shivaji Park, Tara Rani Chowk, KawlaNaka

139 KolkataSyndicate Bank: Netaji Subhash Road, Canara Bank : N.S. Road, SBI ; Samriddhi Bhawan,1, Strand Road; AxisBank: Shakespeare Sarani ICICI Bank: R N Mukher- HDFC Bank Ltd.: Abhilasha - II, 6 Royd Street (2nd Floor),Kotak Mahindra BankApeejay House15,Parkstreet Yes Bank : Camac Street

140 Kollam HDFC Bank Ltd.: VGP Bulidings,Near Irumpupalam, Kollam 691001

141 Korba Axis Bank: Power House Road;

142 KotaCanara Bank : Baran Road Axis Bank: 414, Shopping Centre HDFC Bank Ltd.: 13-14,Main Jhalawar Road, YesBank : Jai Heights, Gumanpura Main Road, Gumanpura

143 Kotkapura HDFC Bank Ltd.: B-X/740, Faridkot Road,

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144 Kottayam Axis Bank: Century Towers, Near Ywca, M.C.Road, HDFC Bank Ltd.: 3rd Floor Unity Buildings , KK Road

145 Kunda Yes Bank : Plot No.461, Mohalla Sarjuganj, Dist: Pratapgarh,

146 Kurukshetra HDFC Bank Ltd.: Shop No.1-5, Kalawati Market, Railway Road

147 Latur HDFC Bank Ltd.:Shri Prabha Arcade, Vora Bunglow,Main Road, Nr Nagar Parishad,

148 Lucknow

Syndicate Bank: Aminabad Canara Bank : 32 MG Road, Hazrat Ganj Axis Bank: Ashok Marg, SikanderBagh Chauraha, ICICI Bank: M.G. Marg, Hazratganj Kotak Mahindra Bank: Speed Building Shahanazaf RoadHDFC Bank Ltd.: Pranay Towers 38, Darbari Lal Sharma Marg, Yes Bank: Tulsi Complex, Rani Laxmibai Marg,

Hazratganj

149 LudhianaSyndicate Bank:Clock Tower Canara Bank : Court Road Axis Bank: The Mall Road, ICICI Bank: Nehru SidhantKender Trust Building, Feroz Gandhi Market, Kotak Mahindra Bank SCO 120, Ground Floor, Feroze GandhiMarket, HDFC Bank Ltd.: SCO-54, Phase -2 Urban Estate Dugri Yes Bank : Govind Nagar, Firozpur Road

150 MaduraiCanara Bank : Grand Central Axis Bank: Goods Shed Street ICICI Bank: North Chitrai Street Kotak MahindraBank1-Awest Perumal Maistry Streetmadurai HDFC Bank Ltd.: Sri Nithyakalyani Towers, No 34 KrishnarayanTank Street, North Veli Street

151 Madgaon (Goa) Yes Bank : Plaza Centre, Abade Faria Road, Margoa

152MandiGobindgarh

HDFC Bank Ltd.: Hukam Chand Building, Near Main Post Ofce

153 MangloreCanara Bank : Hampanakatta Axis Bank: Essel Towers, Bunts Hostel Circle, HDFC Bank Ltd.: Ideal Towers 1stFloor , Opp Sharavu Ganapathi Temple , G T Road, Yes Bank : Ideal Towers, off K.S. Rao Road, GHS Road

154 Manjeri HDFC BANK LTD, Kurikkal Plaza, Kacherippadi.

155 Mathura Syndicate Bank:Tilak Dwar, Holi Gate Canara Bank : Tilak Dwar HDFC Bank Ltd.: 169/2 Gaushala Road OPPBSA College Yes Bank : City Centre Mall, Radhika Vihar, NH 2

156 MeerutSyndicate Bank: Shivpuri, Hapur Road Canara Bank : Abu Lane Axis Bank: Hotel Crystal Plaza, Civil LinesBoundary Road Kotak Mahindra BankUniversity Road,Mangal Pandey Nagar,HDFC Bank Ltd.:381, WesternKutchery Road Yes Bank : Pinnacle Tower, Panchsheel Colony, Garh Road

157 Mehsana HDFC Bank Ltd.: Prabhu Complex Nr Rajkamal Petrol Pump, Highway Road

158 Modinagar Yes Bank : Jindal Bhawan, Sri Nagar Colony, Main GT Road

159 Moga HDFC Bank Ltd.: GT ROAD OPP D C OFFICE THAMAN SINGH GILL MARKET MOGA 142001

160 MoradabadAxis Bank: Civil Lines, Near Head Post Ofce HDFC Bank Ltd.:Chaddha Complex, GMD Road, Yes Bank : GramMajola, Delhi Moradabad Road

161 Morvi HDFC Bank Ltd.: Om Shopping Complex, Ravapar Road,

162 Muktsar Yes Bank : Kotkapura Civil Lines

163 Mumbai

Syndicate Bank: Homji Street, Fort, Canara Bank :CMS Branch Fort; SV Road, Malad; DS Marg, Chembur; SBI

: Videocon Heritage, Charanjit Rai Marg, Fort, Axis Bank: Sir. P. M. Road, Fort, ICICI Bank: Mumbai SamacharMarg Kotak Mahindra BankGround And Mezzanine Floor,Botawala Chambers,2, Sir Pherozshah Mehta Road,Fort HDFC Bank Ltd.: Ground Floor, Maneckji Wadia Building,Nanik Motwani Marg,Near Kala Ghoda,Opp MumbaiUniversity, Fort, Yes Bank; Mittal Chambers, Plot no. 228 of Block no. III of Backbay Reclamation, Nariman Point,Mumbai

164 Muzaffarnagar Axis Bank: Civil Lines (South), Court Road HDFC Bank Ltd.: First Floor, 53/4 Janshat Road,New Mandi

165 Muzaffarpur Canara Bank : Motijheel Axis Bank: Kalyani Club Road HDFC Bank Ltd.: Tilak Maidan Road

166 MysoreCanara Bank : 40, New Status Square Axis Bank: Haripriya Complex, Temple Road, ICICI Bank: Kalidasa Road,V.V. Mohalla Kotak Mahindra BankPlot No 2912/1Kantharaj Urs Roadsaraswatipuram, HDFC Bank Ltd.: MythriArcade, Saraswathipuram,

167 Nabha HDFC Bank Ltd.: SCF 14,15 Patiala Gate

168 Nadiad HDFC Bank Ltd.: 1st Floor, Metro City,Pij Road

169 Nagaur Yes Bank: Ganga Sadan, Deedwana Road,

170 Nagpur

Syndicate Bank:Central Avenue Road, Gandhi Bagh; SBI : Kingsway Axis Bank: Rabindranath Tagore RoadICICI Bank: Palm Road, Civil Lines Canara Bank : Sadar Bazar, Kotak Mahindra Bank 345 Shree MohiniComplex, KingswayHDFC Bank Ltd.: 2, Mile Stone Near Lokmat Square, Wardha Road, Yes Bank : GPOSquare, VIP Road, Civil Lines

171 Nakodar Yes Bank : S. Kumar Complex, Noormahal Road

172 NarnaulHDFC Bank Ltd.: Opp. S. P. Residence, Mahinder Garh Road, Yes Bank : Khasra No 1621, MahendergarhRoad

173 Narwana (Hr.) Yes Bank : SCF-53, Model Town,

174 Nasik

Syndicate Bank: Old Agra Road, Canara Bank : Hotel Raj, Jail Road Axis Bank: GPO Road, ICICI Bank:Sharanpur Road HDFC BANK LTD : Archit Centre , Opp Sandeep Hotel, Chandak Circle Link Road , NearMahamarg Bus Stand Kotak Mahindra BankShop No.1, Payas,Opp. B Y K College,Thatte Nagar Road Yes Bank: AGORA, Canada Corner, Junction of Sharanpur and College road

175 Nathdwara Yes Bank : Shop No. 10 & 11 Gokul Plaza , Nai Sarak

176 NavsariAxis Bank: Navsari Gandevi Road Kotak Mahindra BankUGF, Paradise Towersopp. Civil Hospitalstation Road,Navsari396445 HDFC Bank Ltd.: Nandani Complex , Station Road

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177 Nawanshahar HDFC Bank Ltd.: B 1/148, Banga Road, Yes Bank :B-5/247,Lajpat Nagar

178 Nellore Axis Bank: G T Road HDFC Bank Ltd.: 17/126, G.V.R. Enclave, G.T. Road

179 New Delhi

Syndicate Bank: Transport Bhawan, 1, Parliament Street, Canara Bank : Capital Service Branch, Jeewan BhartiBldg, Sansad Marg, South Extn-I SBI: C Block, 11 Parliament Street, Axis Bank: Statesman House BarakhambaRoad ICICI Bank: Inner Circle, Connaught Place, HDFC Bank Ltd.: Kailash Building Yes Bank : Shopping Centre,Diplomatic Enclave, Malcha Market, Chanakya Puri Kotak Mahindra Bank: Ambadeep 14, K.G. Marg

180 NoidaSyndicate Bank:B-16-17, Sector-18, Canara Bank : C-3,Sector-1 Axis Bank: Sector 18, ICICI Bank: Senior Mall,Sector 18 Kotak Mahindra BankPlot 31 And 32, Block-G,Sector - 18, Noida, Yes Bank : A-356, Sector 19,

181 Nokha (Raj.) Yes Bank : Plot No 658, Navali Gate, Bus stand, Bikaner Road

182 Ootacamund Canara Bank : Commercial Street

183 Padra (Guj) Yes Bank: Shop No. 9 &13, Shivoham Complex, Padra- Vadodara Road, Opp. Pranam Agarbatti

184 Palakkad HDFC Bank Ltd.: VIII/246, 1st Floor, Chandranagar Jn.

185 Palanpur HDFC Bank Ltd.: Nr. Cozy Tower, Opp : Joravar Palace

186 PanipatCanara Bank : G.T. Road Axis Bank: GT Road Gaylord Hotel Building, G.T. Road, HDFC Bank Ltd.: Opp.Railway Road, G.T Road Yes Bank : Sheela Shoppee, Sanjay chowk,

187 Panji (Goa)

Syndicate Bank: Dr. Atmaram Borkar Road, Canara Bank : 18th June Road, Axis Bank: P. Shirgaonkar Road,Sidarth Bandodkar Bhavan ICICI Bank: Sindur Business Centre, Swami Vivekanand Road, Kotak Mahindra BankGround Floor, Hotel Park Plaza Opp Azad Maidan, HDFC Bank Ltd.: 301, Milroc Lar Menezes, Swami VivekanandRoad Yes Bank: 18th June Road

188 Pathanamthitha HDFC Bank Ltd.: Aban Arcade, Ring Road, Pathanamthitha,Kerala

189 Pathankot Yes Bank : Gurdaspur Road (Amritsar Pathankot Road)

190 PatialaCanara Bank : The Mall Axis Bank: Rajwara Road, The Mall Road HDFC Bank Ltd.: Building Leela Bhawan,Near Gopal Sweets; Yes Bank : SCO 81-82, Supplementary Scheme of Leela Bhawan

191 PatnaSyndicate Bank: Capital Tower Fraser Road, Axis Bank: Lok Nayak Jay Prakash Bhawan, Kotak Mahindra Bank:Ahmad Husain Complex Exhibition Road , Gandhi Maidan, HDFC Bank Ltd.: Plot No 651 Jamal Rd Yes Bank:Rajendra Ram Plaza, Circle No. 6, Exhibition Road

192 Pen (Mah.) Yes Bank : Mukadam Palace, Opp. Khan Palace, Shivaji Road

193 Perinthalmana HDFC Bank Ltd.: Wholesale Banking, Sree Complex, Calicut Road

194 Phagwara HDFC Bank Ltd.: Kalra Complex G T Road Phagwara

195 Ponda (Goa) Yes Bank : Shop No. 7 & 8, Rajdeep Galleria

196 PondicherrySyndicate Bank: Nearvelan Silks, J.N. Street, Axis Bank: Bussy Street ICICI Bank: Mission Street HDFC BankLtd.: T.S.No.6, 100Ft Road, Ellaipillaichavady

197 Porbandar HDFC Bank Ltd.: Om Shiv Shakti R.D.Chambers, M.G. Road,

198 Pune

Syndicate Bank:712, Naratan Peth, Laxmi Road, Canara Bank : CAMP Red Cross Building, SBI : Main Branch,Collector Ofce Compound Axis Bank: Jangli Maharaj Road, ICICI Bank: Shangrila Gar- Kotak Mahindra BankBakre Avenuefp NO 226/3, Bhandarkar Road HDFC Bank Ltd.: Fortune Square 3 Rd Floor, Deep BungalowChowk, Model Colony, Shivajinagar, Yes Bank : Karan Selene, Bhandarkar Road, Shivaji Nagar

199 Puri Yes Bank: Plot No. 223, Harihar Square, VIP Road

200 RaipurAxis Bank: Opp. New Bus Stand, Jeevan Bima Marg Kotak Mahindra BankCivil Lines Opp Raj Bhavan HDFCBank Ltd : Chawla Towers, Near Bottle House, Shankar Nagar Yes Bank :Raj Villa, Civil Lines

201 Rajahmundry Axis Bank: Vygram Road, T. Nagar HDFC Bank Ltd.: 46-17-20, 1stoor, Danavaipet

202 Rajapalayam HDFC Bank Ltd.: 251 E Kadabankulam Main, Rajapalayam Thenkasi Road

203 Rajkot

Syndicate Bank: Near Para Bazar Dhevar Road, Canara Bank : Triko- Na Bagh; SBI : Rajkot Axis Bank: KalawadRoad ICICI Bank: Jai Hind Press Annexe, Babubhai Shah Marg, Kotak Mahindra BankNath Complex, RaceCourse Dr. Yagnik Road; HDFC Bank Ltd.: Shri Harish, Bhaktinagar Society ,Bhaktinagar Circle Yes Bank : NathEdice, Dr. Yagnik Road & Race Course Road

204 Rajpura HDFC Bank Ltd.: # 11-12B, Clibre Market, Yes Bank : Caliber Market, Dalmia Vihar

205 Rajsamand Yes Bank : Shree Hemdeep Complex, Kankroli,

206RamganjMandi

HDFC Bank Ltd.: Bazaar No -1 Opp Sbbj Bank : Ramganj Mandi

207 Ramgarh HDFC Bank Ltd.: Main Road,Near Bank of Baroda, Ramgarh (Jharkhand)

208 RanchiSyndicate Bank: Rani Sati Market, LH Road Axis Bank: Old H.B. Road, Near Firayalal Chowk, ICICI Bank: MainRoad (Near Ratanlal Petrol Pump) HDFC Bank Ltd.: Rohini Complex Circular Road Lalpur Yes Bank : Crosswindz,41 Court Road ( Kutchery Road),Near Sahid Chowk

209 Raniganj HDFC Bank Ltd.: A/29, N S B Road, Opposite Asoka Petrol Pump,

210 Ratlam HDFC Bank Ltd.: 90, Station Road

211 Ratnagiri HDFC Bank Ltd.: 3,Mangesh Shanta, Apartment,Near Maruti Mandir, Ratnagiri-Kolhapur Highway,

212 Rewari HDFC Bank Ltd.: L203, 1st Floor, Modal Town, Old Court Road

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213 Rishikesh HDFC Bank Ltd.: Mc No 53 Mj Mall Railway Road

214 Rohtak HDFC Bank Ltd.: Jawahar Market, Opp D-Park, Model Town

215 Roorkee Canara Bank : Anaj Mandi, HDFC Bank Ltd.: 313/8, Civil Lines,

216 Ropar HDFC Bank Ltd.: Raj Hotel Complex, College Road, Yes Bank : CO No 42,Beant Singh Aman Nagar, Bela Road

217 Rourkela HDFC Bank Ltd.: Dewadi Bhavan Yes Bank : Plot no.304, Udit Nagar, Main Road

218 Rudrapur HDFC Bank Ltd.: Nanital Road , Plot No1&2,Nanital Road Yes Bank : Nainital Road

219 Sadon Yes Bank : Ward No-10 ( Khasra No-396) Railway Road

220 Saharanpur Canara Bank : Chakrota Road HDFC Bank Ltd.: Court Road Yes Bank : Banka Complex Mission Compound

221 SalemKotak Mahindra Bank : Bharathi Street Alagapuram, HDFC Bank Ltd.: HDFC Bank Ltd,: Rathan Arcade,FiveRoads, Meyyanur Yes Bank : Devi Chit Funds, 5/315, Junction Main Road

222 Sambalpur HDFC Bank Ltd Nayapara Golebazar

223 Sangamner HDFC Bank Ltd.: 1 Janak Plaza, New Nagar Road

224 Sangli HDFC Bank Ltd.: 640,Venkatesh Senate, Sangli Miraj Road

225 Sangrur HDFC Bank Ltd.: SCO-1,2,3.Kaula Park, Sangrur(PB)

226 Sehore (MP) Yes Bank : Arya Trade Centre, Indore Bhopal Road, Near New Bus Stand

227 Sendhwa (MP) Yes Bank : Madhuban Plaza, A B Road

228 Secunderabad Canara Bank : RP Road

229 Selam Canara Bank : Fort Axis Bank: Omalur Main Road, Chinagantyada ICICI Bank: Omalur Main Road, Near BusStand

230 ShillongCanara Bank : Main Branch GS Road Axis Bank: Jail Road HDFC Bank Ltd.: Anders Mansion, Police Bazar YesBank : R P G Complex, Keating Road,

231 ShimlaSyndicate Bank: The Mall, Canara Bank : The Mall Axis Bank: Commercial Com- Plex, Kasumpti HDFC BankLtd.: 3,Jankidas Bldg, Yes Bank : Timber House, Cart Road,

232 ShimogaAxis Bank: G.R. Prabhu Arcade, JPN Road, 1st Cross HDFC BANK LTD, 447 ,Sharavathi Complex, SavarlaneRoad,

233 Shrinagar (UP) Yes Bank : Opp ITC Choupal Sagar, Village Srinagar

234 Sholapur Axis Bank: Kanale Kalyan Mandap, Dufferin Chowk

235 Silchar Yes Bank : Vasundhara, 66/1, Ward No: 23, Shyama Prasad Road (Shillong Patti)

236 Siliguri Axis Bank: Spectrum House, Sevoke Road HDFC Bank Ltd.: 136/115 Hill Cart Road

237 Silvassa

Kotak Mahindra BankShop No 1 -5Rohan Avenuesilvassa- Vapi Main Roadsilvassa396230, HDFC Bank Ltd.:

Jaypee House, Opp. Patel Petrol Pump

238 Sinnar Yes Bank : Deshpande Wada, Swapnashilp, Lal Chowk, Opp. Aapla Bazaar

239 Sindhanur HDFC Bank Ltd.: Ward No 12,Kushtagi Road

240 Solan HDFC Bank Ltd.: The Mall Road, Opp.Uco Bank Yes Bank : Kapoor Complex Mauza Kather, The Mall

241 Solapur HDFC Bank Ltd.: 8

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