Attractive Public Deposit Schemes

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Rosamund Fletcher
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1 Attractive Public Deposit Schemes Regd. Office: #29/1, 1st Floor, Sir M.N. Krishna Rao Road, Lalbagh West gate, Basavanagudi, Bangalore Fax: Visit us at: FIXED DEPOSIT SCHEME FOR REGULAR RETURNS Monthly / Quarterly / Half Yearly / Yearly interest payments Convenient mode of interest payment CUMULATIVE DEPOSIT SCHEME FOR HIGH YIELD Quarterly Interest Compounding Invest for faster growth of your money Deposit Schemes rated "MAAA (Negative)" by ICRA indicating 'Lowest Credit Risk' Nomination Facility available Attractive Interest Rates Maturity period from 12 to 60 months Higher interest rate is payable on senior citizens' deposits Loan against Deposits Tax Benefits N o T a x Deduction at s o u r c e o n interest income upto Rs.5,000/- in a financial year. Approved mode of investment for C h a r i t a b l e, Religious and E n d o w m e n t Trust covered under Section 1 1 ( 5 ) ( i x ) o f Income Tax Act. Our, Home Loans Designed to suit your needs BRANCH ALSO MORTGAGE LOANS. LOANS AGAINST RENT RECEIVABLE

2 PUBLIC DEPOSIT CAN BE PLACED BY 1. Resident individuals 2. Charitable, Religious and Endowment Trusts 3. Co-operative Societies 4. Minors through Guardians 5. Proprietary and Partnership Concerns 6. Non corporate bodies like clubs, associations etc. 7. Hindu Undivided Families (HUF) Application for placing Public Deposit should be made in the enclosed prescribed form duly complete in all respects. Public Deposits can be made in the joint names not exceeding 3 persons. The interest in such cases shall be paid to the first applicant. Repayment of the Public Deposit will be made as per the instructions given in the application. A minor can keep the Public Deposit through Guardian. Periodical interest and the maturity proceeds will be paid vide 'account payee' cheque in the name of depositor. MODE OF ACCEPTANCE 1. Cash for amounts less than Rs. 20,000/- cash is to be paid only at CAN FIN HOMES cash counters. 2. Local cheques / Demand drafts, Please ensure that all cheques and drafts are drawn in favour of "CAN FIN HOMES LTD" and should be marked "Account Payee Only". TAX DEDUCTIONS AT SOURCE Income tax will not be deducted at source from interest earned when the aggregate amount of interest on all the deposits with CAN FIN HOMES LTD., does not exceed Rs. 5,000/- in any Financial Year. In cases when the interest exceeds Rs.5,000/- in a financial year, individual depositors who are not liable to pay income tax may submit a declaration in Form 15G/15H so as to receive interest without deduction of tax at source, otherwise tax will be deducted at source in accordance with Section 194A of the income tax Act, Form 15G/15H should be submitted in CAN FIN HOMES LTD. for every financial year duly complete in all respects before first payment of interest. A certificate for income tax deducted at source will be issued, wherever applicable. Quoting of PAN/GIR Nos. by Depositors as Mandatory. REPAYMENT AND RENEWAL OF PUBLIC DEPOSIT Repayment of Public Deposit is made against surrendering the duly discharged deposit receipt to CFHL. The maturity amount will be credited directly to the Bank account particulars provided in the application. In case the maturity date falls on Sunday or any National holiday, the maturity proceeds will be credited on the next working day. For renewal, duly filled and signed prescribed application form along with discharged deposit receipt are required to be submitted. Unless consent is given for auto renewal, renewal will be subject to the following: 1. Where the overdue period does not exceed 14 days, the deposit can be renewed with effect from the maturity date and the interest rate prescribed on the date of maturity will be applicable. 2. Where the overdue period exceeds 14 days, the deposit can be renewed with effect from the maturity date and the interest rate prevailing on the maturity date or the renewal date, whichever is lower will apply for the renewed deposit. PREMATURE WITHDRAWAL OF PUBLIC DEPOSIT Request for premature withdrawal will be permitted subject to National Housing Bank s directions. Accordingly, premature withdrawal is permitted in the first 3 months from the date of deposit, without interest,to meet certain expenses of emergent nature like medical emergencies, natural calamities etc. for deposits upto Rs.10,000/- (Tiny Deposits). In such situations, for other deposits, not more than 50% of the principal sum of deposit or Rs.5 lakh whichever is lower will be permitted, without interest. Can Fin Homes Ltd. TERMS AND CONDITIONS GOVERNING THE PUBLIC DEPOSIT SCHEMES All deposit accounts standing to the credit of sole / first named depositor in the same capacity shall be clubbed for the purpose of taxation. LOAN ON PUBLIC DEPOSIT A loan on Public Deposit may be granted at the discretion of the Company as per the guidelines issued by the National Housing Bank from time to time. GENERAL Nomination facility is available. CFHL reserve the right to change, add or delete the terms and conditions without any notice subject to complying with the directions of National Housing Bank or any other competent authority from time to time. In case of any deficiency in servicing of deposits, if not redressed by the Company, the depositor may approach the National Consumer Disputes Redressal Forum, the State level Consumers Redressal Forum or the District level Consumers Redressal Forum for relief. The financial position as described and the representations made in the application are true and correct and the Board of Directors are responsible for the corrections and veracity thereof. The deposit acceptance activities 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 company or for the correctness of any of the statements or the representations made or opinions expressed by the Company and for repayment of deposit / discharge of liabilities by the Company. 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 authorised officer of the National Housing Bank. Can Fin Homes Ltd., being a housing finance company registered with NHB, is exempt from the applicability of the Companies (Acceptance of Deposits) Rules, Pursuant to the provisions of Section 125 of the Companies Act, 2013, the Central Govt. has established a Fund called The Investor Education & Protection Fund (IEPF) to which matured deposits which have remained unclaimed and unpaid for a period of 7 years from the date they became due for payment are to be transferred. The amount so transferred can be claimed back by the depositor from the above fund, at a later date, as per S.125(4) of the said Act read with the IEPF (Accounting, Audit, Transfer & Refund) Rules, Received from... Cheque / DD / Cash bearing No.... dated... for Rs... drawn on... Bank...branch towards... of CAN FIN HOMES LTD for a period of... months at rate of interest...% annum. Nomination Registered vide Registration No. Period PROVISIONAL RECEIPT Provided further that in cases of critical illness (as per IRDAI Health Insurance Regulations) hundred percent of the amount of the principal sum of deposit, may be prematurely paid to individual depositors, at the request of the depositors, before the expiry of three months from the date of acceptance of such deposits, without interest. In case request for premature withdrawal is received after the expiry of 3 months, the rate of interest applicable will be as per the prevailing norms. Interest Remittance 3 months but before expiry of Maximum interest payable shall be 4% per 6 months per annum for individual deposit and no interest in case of other category of deposits. After 6 months, but before the date of maturity 1% lower than the interest rate applicable to a public deposit for the period for which the deposit has run or if no rate has been specified for that period, then 2% lower than the minimum rate at which the public deposits are accepted by the Company. For CAN FIN HOMES LTD. Date: Authorised Signatory

3 KNOW YOUR CUSTOMER (KYC) COMPLIANCE APPLICATION FORM Please fill the information in Block letters and (4) in appropriate place The information is sought under Prevention of Money Laundering Act, 2002, the rules notified thereunder and NHB's guidelines on Anti Money Laundering. For existing Depositor, the information furnished head will supersede the information available in the words of CFHL. Name of the Applicant (As appearing in supporting identification document) Mr./Mrs/Miss Full Name of Father / Husband / Guardian Mr./Mrs/Miss Affix a latest photograph here Status Resident Individual Non Resident individual Hindu Undivided Family (HUF) Persons of Indian origin (PIO) (Attach copy of PIO Card) Income-tax Permanent Account Number (PAN) (Attach copy of PAN Card) Proof of Identity to be provided by Applicant: (Please submit ANY ONE of the following certified documents) Passport Photo PAN Card Driving Licence Voter's Identity Card Photo Ration Card Photo Debt/Credit Card issued by Bank Any other identification with Photograph (Subject to satisfaction of CFHL) Present Address of Applicant for all communications Company Name / Flat No. & Bldg. Name Road No. / Name City State Tel (R) Tel (O) Mobile STD Code Pin Code Country Fax: Extn. No.: Proof of Address to be provided by Applicant: (Please submit ANY ONE of the following certified documents) Latest Telephone Bill or Land Line / Mobile Latest Electricity / Gas Bill Latest Bank Account Statement Latest Account Statement Registered Rent Agreement Ration Card Any other Address Proof (Subject to consideration of CFHL) Occupation: Service Retired Business Professional Housewife Student Others (Please specify) Marital Status: Single Married Number of children Son/s... Daughter/s... OTHER DETAILS Education: SSC / HSC Graduate Post-Graduate Professional Others (Please identify) Household Income: Less than Rs.1 lakh p.a Rs. 1-3 lakhs p.a. Rs. 3-5 lakhs p.a. Rs.5-10 lakhs p.a. Above Rs.10 lakhs p.a Accomodation: Own Rented Employer Family Others (Please specify) Number of earning Number of years of members in the family current address DECLARATION I / We hereby declare that above information is true and to the best of my / our knowledge and belief. I / We further declare that the deposit made under the deposit application is through legitimate source and does not include directly / indirectly any proceeds of schedule of offence and / is not designed for the purpose of contravention or evasion under any law. Place : Signature of depositor Date : Branch: Checked by:... FOR OFFICE USE ONLY Date of Receipt:... Deposit No. :... Authorised by:...

4 Branch Seal For Office Use: Dep. A/c No.: New Renewal To be filled by depositor Please use block letters APPLICATION FORM FOR PUBLIC DEPOSITS Please give complete details by ticking appropriate boxes. NAME OF THE FIRST APPLICANT:... Date of Birth :... OCCUPATION:... FATHER / HUSBAND'S NAME :... Address of 1st Applicant: Pin :... Tel: Amount of Deposit: Rs.... Rupees :......only Name of 2nd Applicant :... Name of 3rd Applicant :... In case First / Second / Third Applicant/s are minors Name of Guardian:... Relationship with Minor:... Date of Birth of Minors:... Deposit Scheme Fixed Deposit Cumulative Deposit Trust Deposit Senior Citizen Period Months INTEREST PAYMENT FOR FD DEPOSIT Monthly Quarterly Half Yearly Yearly CASH CHEQUE DD AMOUNT PAID THROUGH CRV No.:... Dt... No... Dt... Bank:... Branch... If Renewal: Deposit Type... No.:... Dt. of maturity... Repayment condition: First / Sole Depositor Either or Survivor Any or Survivor/s All Jointly Tax to be deducted: Status of First Depositor: PAN: Yes No Form 15G/15H enclosed Yes No Shareholder Director Relative of Director of the Company Promoter Trust Resident individual Senior Citizen Others (Please specify)... MODE OF INTEREST PAYMENT FOR FIXED DEPOSIT Send post dated cheque Send DD (Applicable only in case of Outstation depositors) Credit to my Housing Loan / Loan on deposit A/c No... maintained with CAN FIN HOMES LTD.,... Branch Credit to my Bank A/c No. as per details given below: TYPE: SAVING CURRENT O.D. Details Name A/c No. Bank Name Branch IFSC Code 1st Depositor 2nd Depositor 3rd Depositor If you have any Deposit in CAN FIN HOMES LTD.: type of Deposit... No... Introduction / Identification of New Depositor (Mandatory) (Introducer must be an existing depositor) Introducer's Name:... Signature:... If there is no introducer, identity to be established by submitting a photocopy of any one of the following of the first depositor PAN Card Election Identity Card Passport Ration Card Aadhar Card Others (Please specify)... DECLARATION: I / We confirm having read, understood and agree to abide by the stipulated terms & conditions of the schemes. I / We declare that I am / We are not depositing this amount as nominee(s) of any person residing outside India. We declare that the first named / mentioned depositor in our application is the beneficial owner of the deposit and as such, he/she should be treated as the payee for the purpose of deduction of Tax under Section 194A of the Income Tax Axt, 1961, in the event of death of any of the joint depositors prior to the maturity of the deposit, the Company will at the written request of the surviving depositors be at liberty though not bound and at its absolute discretion to pay interest for the remaining period, to repay the deposit before maturity or to grant and advance against the security thereof to anyone or more of the surviving depositor/s, on such terms as the Company may decide and to add/delete/substitute any names therein. The discharge given by such surviving depositor(s) shall give the Company a valid discharge. I / We undersigned apply for placement / renewal of Deposit having read the terms and conditions. I hereby give my explicit consent to the Housing Finance Company to duly renew principal/renew principal and interest, pay in entirety, the principal and interest to my designated Bank Account mentioned herein on maturity of the deposit. " I have gone through the financial and other statement / particulars / representations furnished / made by the Company and after careful consideration I am making the deposit with Company at my own risk and volition". Signature of Depositor/s Place: 1st Applicant (or Guardian) 2nd Applicant (or Guardian) 3rd Applicant (or Guardian) NOMINATION (Must be signed by the depositor(s) & witnessed) I / We nominate the following person to whom in the event of my / our / minor's death the amount of the deposit may be returned by CFH LTD. Date: Name & Address of Nominee Relationship with Depositor(if any) Age of Nominee Date of Birth of Nominee (If minor) *As the nominee is a minor on this date. I / We appoint (Name, address & age)... to receive the amount of the deposit on behalf of the nominee in the event of my / our / minor's death during the minority of the nominee. *leave out if nominee is not a minor. Where deposits are made in the name of a minor, the nomination should be signed by a person lawfully entitled to a act on behalf of the minor Name(s) and Address(es) of witness(es) for nomination only. (One witness SIGNATURE OF DEPOSITOR(S) FOR NOMINATION required, thumb impression needs two witnesses) st/SOLE/GUARDIAN :... Place & Date:... Deposit No. Deposit type Printed Sl. No. Rate of Interest Signature of witnesses Voucher No. Date of Deposit Date of Maturity Maturity Amount 2nd :... 3rd :... For CFHL Authorised Signatory

5 Can Fin Homes Ltd. PARTICULARS AS REQUIRED UNDER NHB DIRECTIONS / GUIDELINES AND COMPANIES ACT, 2013 (a) (b) (c) Name of Company : Can Fin Homes Ltd Date of incorporation : October 29, 1987 The business carried on by the Company and its subsidiaries with : Providing housing finance for construction / purchase of sites / residential house / flats and details of branches or units, if any non-housing loans like mortgage loans, Loans against property etc. Details of Branches: Agra, Ahmedabad, Bangalore (Basavanagudi, Bidadi, Cunningham Road, Devanahalli, Electronic City, Hesaraghatta Road, HRBR Layout, Jayanagar, Kanakapura Road, Kengeri, Koramangala, K.R.Puram, Marathahalli, Sahakaranagar, Sarjapur Road, Uttarahalli, Vijayanagar, Nelamangala, Begur, Yelahanka), Baroda, Belgaum, Bhopal, Bhubaneshwar, Calicut, Chandigarh, Chennai (Ambattur, Annasalai, Chengalpattu, OMR-Perungudi, Porur, Redhills, Sriperumbudur, Tambaram, Thiruvallur), Cochin, Coimbatore (Gandhipuram, P.N.Palayam) Davanagere, Dehradun, Dharuhera, Dindigul, Erode, Faridabad, Goa, Guntur, Gurgaon, Greater Noida, Gwalior, Hosur, Hubli, Hyderabad (Gachibowli, Nampally, Kompally, Kukatpally, L.B.Nagar, Ramachandrapuram, Taranaka), Indore, Jaipur, Jodhpur, Kakinada, Karimnagar, Karnal, Karur, Kota, Lucknow, Madurai, Mandya, Mangalore, Meerut, Mumbai, Mysore, Nagpur, Namakkal, Nashik, Navi Mumbai, Nellore, New Delhi, Noida, New Panvel, Ongole, Patna, Pitampura, Pondicherry, Pune, Raipur, Rajahmundhry, Rohtak, Salem, Shimoga, Sonepat, Tirupati, Tiruchengode, Tirunelveli, Tirupur, Trichur, Trichy, Trivandrum, Tumkur, Udaipur, Udupi, Varanasi, Vellore, Virudhunagar, Vijayawada, Vishakapatnam, Vishakhapatnam Steel Plant, Warangal, Kurnool, Khammam, Vizianagaram, Ajmer, Ambala, Kumbakonam, Thoothukudi, Kalyan, Kanpur, Allahabad, Gollapudi, Ghaziabad, Mansarovar, Hassan, Bilaspur, Jabalpur, Eluru, Berhampur, Boisar (130) Details of Affordable Housing Loan Centres: Tenali, Manesar, Rewari, Doddaballapur, Ramanagara, Shoranur, Mandideep, Gobichettipalayam, Sanga Reddy, Ghatkesar, Palwal, Pithampur (12) Details of Satellite Offices: Peelameedu, Kazhakuttam, Thiruverambur, Durg, A S Rao Nagar, Velur, Gugai, Thirumangalam, Yeshwanthpur, Guduvanchery, Attibele, Thanisandra, Magadi Road, Arakkonam, Aluva, Whitefield, Bannerghatta, Kanchipuram, Batlagundu, Cox Town, Cuddalore, Dharwad, Kangeyam, Komarapalayam, Neyyatinkara,Oddanchatram, Pudukkotai, Vidyaranyapura, Villupuram, MYS-Vijayanagar, JPR-Jhotwara Rajarajeswarinagar, Patia (33)

Can Fin Homes Ltd... at a Glance

Can Fin Homes Ltd... at a Glance 30 years of vision, passion and progress Offering home loans since 1987.. and it is just a beginning Information to Investors 3Q18 ended December 2017 www.canfinhomes.com