Small Savings Scheme / Recurring Deposit (RD) HIGH SAFETY RATINGS

Transcription

1 Small Savings Scheme / Recurring Deposit (RD) INTEREST RATES up to 9.75%* HIGH SAFETY RATINGS CARE AAA (FD) Instruments with this rating are considered to have the highest degree of safety regarding timely servicing of financial obligations BWR FAAA Instruments with this rating are considered to have the highest degree of safety regarding timely servicing of financial obligations Deposit Schemes for Limited / Private Limited Companies / Residents / HUFs Non Resident Indians / Co-operative Societies / Association of Persons / Trusts. DHFL HIGHLIGHTS 3rd largest Housing Finance Company in India 30 years of continuous growth Assets Under Management of `46, crore as of 30th June 2014 DHFL FD HIGHLIGHTS Strong nationwide presence with over 400 service locations Special product for Females and Trusts Special rate of interest for Privilege customer Accidental Death Insurance for first Individual depositor Small Savings Scheme Monthly (Minimum) Deposit ` Period in Months Rate of Interest % (p.a.) 500 From 12 months to 120 months 9.75 Recurring Deposit Amount per month can be flexible subject to a minimum of `500/- and in multiples of `100/- Without any ceiling monthly installment can be stepped up in multiples of `100/- above the chosen installment. It can also be stepped down but not below the chosen first installment. Joint Holding Allowed Debit ECS facility available Requirements for Opening Small Savings (Recurring Deposit) Scheme First 2 installments to be paid by Cheque Debit ECS Mandate in triplicate to be given for subsequent installments. Account Payee cheque in favour of Dewan Housing Finance Corporation Ltd. Deposit Application Form alongwith KYC Documents. For Further enquiries mail: fdresponse@dhfl.com Customer Care No.: (0124) Cheque/DD to be drawn in favour of DEWAN HOUSING FINANCE CORPORATION LTD. DHFL/SSS-RD/08-14/V.003 Dewan Housing Finance Corporation Ltd. Corporate Identification Number (CIN) - L65910MH1984PLC Regd. Office: Warden House, 2nd Floor, Sir P. M. Road, Fort, Mumbai Toll Free : Fax: response@dhfl.com Website:

2 PARTICULARS AS PER NON-BANKING FINANCIAL COMPANIES AND MISCELLANEOUS NON - BANKING COMPANIES (ADVERTISEMENT RULES) 1977 AS AMENDED (a) Name of the Company: Dewan Housing Finance Corporation Limited (DHFL) (b) Date of Incorporation: 11th April, (c) Business carried on by the Company and its subsidiary with details of branches: The Company is primarily carrying on the business of providing housing finance for purposes of construction / purchase of residential houses. The Company does not have any subsidiary as on date. The addresses of the Registered and Corporate Offices of the Company are as under: (i) Regd. Office: Warden House, 2nd Floor, Sir PM Road, Fort, Mumbai (ii) Corporate Office: 10th Floor, TCG Financial Centre, BKC Road, Bandra Kurla Complex, Bandra East, Mumbai (iii) Branches / Offices: As mentioned overleaf. (d) Brief particulars of the Company: The day to day affairs of the Company are managed by the Chairman & Managing Director subject to the superintendence, control and direction of the Board of Directors. (e) Name, address and occupation of Directors as on 24th July Sr. No. Name of the Director and their DIN 1. Mr. Kapil Wadhawan Chairman & Managing Director ( ) 2. Mr. Dheeraj Wadhawan Non Executive Director ( ) 3 Mr. G. P. Kohl Independent Director ( ) 4. Mr. Kaikhushru Vicaji Taraporevala Nominee Director ( ) 5. Mr. Ajay Vazirani Independent Director ( ) 6. Mr. V. K. Chopra Independent Director ( ) 7. Mr. Mannil Venugopalan Independent Director ( ) (f) & (g) Profit and Dividend Financial Year ended Profit Before Tax Profit After Tax Dividend (` in Lakhs) (` in Lakhs) ( Per share) 31st March, ,511 52, * 31st March, ,068 45, st March, ,836 30, *Includes one-time special dividend of 3 per share to mark the 30th Anniversary (h) Summarised Financial Position of the Company as appearing in the last three audited Balance Sheets LIABILITIES As at 31/03/2014 As at 31/3/2013 As at 31/03/2012 ( in lakhs) ( in lakhs) ( in lakhs) Shareholder s Funds Share Capital 12,842 12,822 11,684 Reserves and Surplus 344, , ,588 Non-Current Liabilities Long Term Liabilities 3,229,548 2,656,471 1,601,860 Deferred Tax Liabilities (Net) Other Long Term Liabilities Long Term Provisions 33,135 26,360 15,940 Current Liabilities Short Term Borrowings 159,472 87,598 93,417 Trade Payables ,860 Other Current Liabilities 598, , ,458 Short Term Provisions 7,513 4,623 3,903 TOTAL 4,385,923 3,580,295 2,151,710 LIABILITIES As at 31/03/2014 As at 31/3/2013 As at 31/03/2012 ( in lakhs) ( in lakhs) ( in lakhs) Non-Current Assets Fixed Assets 98,773 43,793 24,648 Non-Current Investments 30,670 19,052 38,746 Long Term Housing and Property Loans 3,874,690 3,236,949 1,824,298 Other Long Term Loans and Advances 1,608 3,3011,334 Other Non-Current Assets 19,451 27,192 28,191 Deferred Tax Assets / (Liabilities) (Net) - 201(2133) Current Assets Current Investments 26,920 8,450 7,529 Trade Receivables 7,745 5,896 5,434 Cash and Bank Balances 98,318 51,256 70,164 Short Term Portion of 184, , ,240 Housing and Property Loans Other Short Term Loans and Advances 40,281 28,71740,865 Other Current Assets 2,494 2,265 1,394 TOTAL 4,385,923 3,580,295 21,51,710 CONTINGENT LIABILITY Address of the Directors 22-23, Sea View Palace, Pali Hill, Bandra (West),Mumbai , Sea View Palace, Pali Hill, Bandra (West)Mumbai /04, Dheeraj Enclave, (A1 Tower), Off Western Express Highway, Borivali (East), Opp- Bhor Industries, Mumbai Caledonia Investments PLC.,Cayzer House, 30 Buckingham Gate, London SWIE NN Hariani & Company Advocate and Solicitors, 1st Floor, 10, Bruce Street, Homi Mody Street,Fort, Mumbai Flat No. 4 A, 4th Floor, Harmony Tower, Dr. E Moses Road, Worli Naka, Worli, Mumbai Flat No. 201, Block -34, Heritage City, M G Road, DLF Phase II,Gurgaon Occupation Business Business Management Consultant Nominee Director Professional Professional Professional Particulars As on 31/03/2014 As on March 31, 2013 As on 31/03/2012 Guarantees provided by the Company 10,003 9,996 22,473 Claims against the Company not acknowledged as debts Income Tax Demand (Net of amount deposited under protest 67 lakh) i) FY and FY figures reflect the merged entity figures. Hence, these figures are not comparable with those of the previous years. j) The amount of Public Deposits which the Company can raise under the Housing Finance Companies (NHB) Directions 2010 is equivalent to 5 times of the net owned funds i.e crores, whereas the total Public Deposits as on March 31, 2014 was crores with 1,65,054 number of depositors. k) There are no overdue deposits other than unclaimed deposits. l) We declare that i) The Company has complied with the provisions of the NHB directions and above mentioned rules. ii) The compliance with these directions does not imply that the repayments of deposits are guaranteed by the Central Government / Reserve Bank of India / National Housing Bank. iii) The fixed deposits accepted/ renewed by the Company are secured appropriately to the extent of floating charge created by way of Deed of Trust dated 15th February The total amount of exposures, other than investments in shares, including the non-fund based facilities, to companies in same group or other entities or business ventures in which directors and / or the Company are holding substantial interest as on March 31, 2014 was crores. The above text has been approved by the Board of Directors at its meeting held on Thursday the 24th July, 2014, and is being issued on the authority and in the name of the Board of Directors of the Company. A copy of this advertisement duly signed by a majority of Directors of the Company has been filed with the National Housing Bank, New Delhi, and the Regional Office of Department of Non-Banking Companies of the Reserve Bank of India, Mumbai. Date : 24th July 2014 Place : Mumbai By Order of the Board For Dewan Housing Finance Corporation Ltd. Sd/- Kapil Wadhawan Chairman & Managing Director Mumbai (1) Zone: DahisarTel : (022) Fax : (022) Dahisar (East)Tel : (022) Borivali (East) Tel : (022) / / / 762. Fax : (022) Borivali (West) Tel : (022) / Fort Tel : (022) / Fax : (022) Mira Bhayander Road Tel : (022) / 177 / 187 / 197 Metro OfficeTel : (022) / 101/ 150 / / 339 Fax : (022) Nallasopara Tel : (0250) / BoisarTel : (02525) / 926 Vasai (E) Tel : (0250) & Vasai (W) Tel : (0250) / Vashi (W)Tel : (0250) / 039 Virar (W) Tel : (0250) / Virar (E) Tel : (0250) / Andheri East Tel : (022) Palghar Mumbai (2) Zone Branches Thane - Hari NiwasTel: (022) Fax : (022) Ambernath Tel : (0251) Bhandup Tel :(022) / 539 Dombivali Tel: (0251) / 631 GB Road Thane Tel : (022) / 415 Kalyan Tel : (0251) / / Navi Mumbai (Belapur)Tel : (022) / 2596 Fax : (022) Navi Mumbai (Kharghar) Tel : (022) / Panvel Tel : (022) / 063 Fax : (022) Thane - NaupadaTel : (022) Titwala Tel : (0251) / West Zone Branches Pune (ZO)Tel.: (020) Pune (RO) Tel.: (020) AhmednagarTel.: (0241) Fax.: (0241) AkolaTel.: (0724) /0697 Fax.: (0724) AurangabadTel.: (0240) / 2643 / JalgaonTel.: (0257) Fax.: (0257) KhargoneTel.: (07282) / 830 / KolhapurTel.: (0231) /3664. Fax.: (0231) NagpurTel.: (0712) / NasikTel.: (0253) / 772 Fax.: (0253) ParbhaniTel: (02452) Fax:(02452) PuneTel.: (020) SangliTel.: (0233) SolapurTel.: (0217) / YavatmalTel.: (07232) PimpriTel.: ChakanTel.: SwargateTel.: (020) HadapsarTel.: (020) Indore (RO)Tel.: (0731) Bhopal Tel.: (0755) / / GwaliorTel.: (0751) ItarsiTel.: (07572) JabalpurTel.: (0761) / 921 IndoreTel.: (0731) GoaTel.: (0832) West Zone - Service Centres AmravatiTel.: (0721) WagholiTel.: (020) DaundTel.: (02117) TalegaonTel.: (02114) NasikTel.: (0253) LaturTel.: (02382) ChandrapurTel.: (07172) ShrirampurTel.: JalnaTel.: KhandwaTel.: (0733) UjjainTel.: (0734) SatnaTel.: VidishaTel.: PithampurTel.: Gujarat & Rajasthan Zone Branches Ahmedabad (ZO/ RO)Tel.: (079) / 564 /1090/ Fax.: (079) AhmedabadTel.: (079) Fax.: (079) ChandkhedaTel.: MehsanaTel.: (02762) / 008 RajkotTel.: (0281) SuratTel.: (0261) / 113 / 120 / 130 VadodaraTel.: (0265) AhmedabadTel.: Jaipur (RO)Tel: (0141) Fax:(0141) BikanerTel.: (0151) Fax.: (0151) JaipurTel.: (0141) Fax.: (0141) Jaipur (SO)Tel.: (0141) / 987 JodhpurTel.: (0291) Fax.: (0291) KotaTel.: (0744) / 2028 UdaipurTel.: (0294) BhilwaraTel: (01482) Gujarat & Rajasthan Zone - Sevice Centres VastralTel.:(079) JamnagarTel.:(0288) BharuchTel.:(02642) BopalTel.:(02717) GotriTel.:(0265) GotaTel.:(079) WaghodiaTel.:(0265) VapiTel.:(0260) NokhaTel.: (01531) SikarTel.: (01572) AlwarTel.: (0144) JhalawarTel.:(07432) DausaTel.:(01427) TonkTel.: (01432) East Zone Branches Kolkatta (ZO/ RO)Tel.:(033) /11 Fax:(033) KolkattaTel.:(033) /11 Fax:(033) DurgapurTel.:(0343) / 2351 Kolkatta SyndicationTel.: (033) BhubaneswarTel.:(0674) / Fax:(0674) JamshedpurTel.:(0657) RanchiTel.:(0651) Fax:(0651) RaipurTel.:(0771) / East Zone - Service Centres AsansolTel.:(0341) BardhamanTel.:(0342) Rajarhat Tel.: ChandannagarTel.: BerhampurTel.:(0680) HazaribaghTel.:(06546) BilaspurTel.:(07752) DurgTel.:(0788) East Zone - Collection Center Suri (East Zone)Tel.: Delhi 1 Zone Branches Gurgaon (ZO/ RO)Tel.:(0124) GurgaonTel.:(0124) RewariTel.:(01274) BahadurgarhTel.:(0127) FaridabadTel.:(0129) / / Omax MallTel.:(0124) Fax.: (0124) JanakpuriTel.:(011) SafdarjungTel.:(011) Fax.:(011) Delhi 2 Zone- Branches East of KailashTel.:(011) / Rajendra PlaceTel.:(011) Noida (ZO/ RO)Tel.:(0120) /099 Vaishali (Ghaziabad)Tel.:(0120) RDC - GhaziabadTel.:(0120) Noida + Noida 1Tel.:(0120) AgraTel.:(0562) MeerutTel.:(0121) North Zone- Branches Chandigarh (ZO/ RO)Tel.:(0172) / 7787 Chandigarh SyndicationTel.:(0172) KarnalTel.:(0184) JalandharTel.: Ludhiana -SyndicationTel.:(0161) Ludhiana Tel.:(0161) / 778 /781 BhatindaTel.: Lucknow (RO)Tel.:(0522) Fax:(0522) LucknowTel.:(0522) Fax.:(0522) VaranasiTel.:(0542) KanpurTel.: (0512) DehradunTel.:(0135) HaldwaniTel.:(05946) / North Zone - Service Centres SonepatTel.: (0130) AmbalaTel.: AmritsarTel.:(0183) SangrurTel.: AmethiTel.:(05368) AllahabadTel.: (0532) BareillyTel.: MuradabadTel.: (0591) SaharanpurTel.: HaridwarTel.:(0135) Karnataka & Kerala Zone Branches Bengaluru (ZO / RO)Tel : (080) Fax : (080) Banglore Extended ZO Bengaluru(RO) Tel : (080) / Kochi ( RO)Tel : (0484) / 83, , , , Fax : (0484) Bengaluru (Koramangala)Tel : (080) / Bengaluru (Jayanagar)Tel.: ( /55, Fax : (080) MysoreTel : (0821) / 358 DavangereTel : (08192) / / ShimogaTel : (08182) / 074 TumkurMob: BelgaumTel : (0831) Fax : (0831) BellaryTel : (08392) BijapurTel : (08352) / 632 HubliTel : (0836) Fax : (0836) KannurTel : (0497) / / KalburgiTel : (08472) / KochiTel : (0484) / 83, , , , Fax : (0484) Kolar Tel : (0815) KottayamTel :(0481) CalicutTel : (0495) MangaloreTel : (0824) / 801 Mysore FBTel : (0821) Fax : (0821) NelamangalaMob : ThrissurTel : (0487) / / Fax : (0487) ThriuvanthapuramTel : (0487) YelahankaMob : HosurTel : (04344) Karnataka & Kerala Zone - Service Centers ChikkodiTel : (08338) Gokak Tel : (08332) Chithradurga Tel : (08194) Harpanahalli Tel : (08398) Haveri Tel : (08375) Karwar Tel : (0838) Bidar Tel : (08482) Raichur Tel : (08532) AlleppeyTel : (0477) Aluva Tel : (0484) KasaragodTel : (04994) TripunithuraTel : (0484) KollamTel : (0474) PathanamthittaTel : (0468) PalakkadTel : (0491) ManjeriTel : (0483) MandyaTel : (08232) UdupiTel : (0820) MudholTel : (08350) BagalakotTel : (08354) MavelikaraTel : (0479) HassanTel : (08172) KushalnagarTel.: (08276) Harpanahalli K & K - Collection Centre Gadag (K&K Zone)Tel: / (080) Andhra Pradesh Zone Branches GunturTel : (0863) KadappaTel : (08562) / KurnoolTel : (08518) / NelloreTel : (0861) Rajahmundry Tel : (0883) / TirupatiTel : (0877) VijayawadaTel : (0866) / VishakhapatnamTel : (0891) / Vishakhapatnam FBTel : (0891) KakinadaMob : Hyderabad (ZO /RO)Tel : (040) / 040 / 050 / 080 Gachibowli Tel : (040) Hyderabad MainTel : (040) / Fax : (040) Hyderabad Sales VerticalTel : (040) / Ameerpet FBMob: Karim NagarTel : (0878) NizamabadTel : (08462) Nagole Tel : (040) SangareddyTel : (08455) / Tarnaka (AS Rao Nagar)Tel : (040) WarangalTel : (0870) KukatpallyTel: (040) , Andhra Pradesh Zone - Service Centers Eluru Tel : (08812) Srikakulam Tel : (08942) Vizianagaram Tel : (08922) AnantapurTel : (08554) MahabubnagarTel : (08542) KhammamTel : (08742) Tamil Nadu Zone Branches Chennai ZO / RO / Branch / Chennai MainTel : (044) / 747 / 848 Fax : (044) Chennai-OMRTel : (044) Chennai MetroTel : (044) Chennai- Sales VerticalTel : (044) / CoimbatoreTel : (0422) / / Fax : (0422) Erode Tel : (0424) MaduraiTel : (0452) / 436 PondicherryTel : (0413) / 261/ 213, Fax : (0413) SalemTel : (0427) / TambaramTel : (044) ThirunelveliTel : (0462) TrichyTel : (0431) / 060 VelloreTel : (0416) / Tamil Nadu Zone - Service Centers DindigulTel : (0451) TheniTel : (04546) VillupuramTel : (04146) ThiruvannamalaiTel : (04175) ThanjavurTel : (04362) Tutucorin Tel : (0461) NagercoilTel : (04652) KaraikudiTel : (04565) RajapalayamTel : (04563) AtturTel: (04282) KanchipuramTel: (044) KarurTel: (04324)

3 GENERAL TERMS AND CONDITIONS GOVERNING SMALL SAVINGS SCHEME / RECURRING DEPOSIT (RD) 1. Acceptance of Small Savings Scheme (Recurring deposit): Recurring deposits will be accepted from Resident Individuals, Joint Individuals, Non Resident Indians, HUFs, Trusts, Societies, Clubs, Associations, Firms, Public & Private Limited Companies, Co-operative Banks etc. 2. Non-Resident Indians (NRIs)/Persons of Indian Origin (PIOs): Deposit from NRIs and Persons of Indian Origin (PIOs) resident outside India will be accepted on non-repatriation basis only, in accordance with RBI regulations governing the acceptance of deposits from NRIs. Payment of interest as also the repayment of deposit shall be made only by credit to depositor's NRO Account with Banks. Income tax at source will be deducted as applicable to NRO deposit of NRIs/ PIOs. 3. Joint Deposit Holders: Deposit will be accepted in joint names not exceeding three in number with the repayment mandate to First or Survivor/s (F or S) or Any one or Survivor/s (A or S) or Either of us or Survivor (E or S). In case of deposit in joint names, all communications shall be addressed to the first named depositor and payment of interest and repayment of principal amount shall be made to the first named depositor. Any discharge given by the first depositor or any of the depositors will be valid and binding on all joint depositors unless expressly intimated to the Company at the time of making deposit. 4. Death Claim Settlement: In the event of death of the depositor without a nominee or without leaving a will, the repayment of the deposit and interest due shall be made to the legal heirs and/or legal representative of the deceased on production of the following as applicable: On similar lines, in the event of death of the first depositor in a joint account, the deposit amount and interest earned shall be paid to the next in order of joint holding where as incase of death of all joint deposit holders without a nominee or a will, deposit and interest due shall be made to the legal heirs and/or legal representative on submission of the following documents as applicable. a) Death Claim Form b) Death certificate Affidavit c) Indemnity bond d) Declaration from respectable person known to DHFL, depending upon the Deposit amount 5. Application: The prescribed application form, duly accompanied by Cheque/ Pay Order / demand draft in favour of Dewan Housing Finance Corporation Ltd. / cash (less than 20,000/- and within the Provision of the Income Tax Act) should be sent/submitted to DHFL branch. Alternatively remittance is accepted for deposit through NEFT/ RTGS. Signature by thumb impression must be attested by a Magistrate or a Notary Public under their Official Seal or to be put in the presence of DHFL official. 6. Trusts / Associations/ Societies /Clubs Copy of Resolution to invest in DHFL FD Names and Addresses of Trustees PAN card copy of Trust/Entity and of Authorized signatories Operation mandate Specimen signatures Trust Deed/Bye-law 8 Partnership Firm Declaration of Partnership by Partners Name and address of Partners Operational Mandate and Specimen Signatures PAN card copy of firm and Authorised signatories 7. Public. Private Ltd. Company /Co-operative Banks/ Scheduled Banks Copy of Memorandum & Articles of Association Copy of Resolution to invest in DHFL FD List of Directors and Office Bearers Operational Mandate and Specimen Signatures of the Authorized Persons PAN card copy of Company and of Authorized signatories 9. Proprietary Concern Name & Signature of the Proprietor PAN card copy of Proprietor 10. Interest will be accrued on the on the 1st October and the 31st March: Depositor will have to submit Debit ECS Mandate form in the Application Form. ECS Debit facilitates monthly installments to be automatically transferred from the Account Holder's Bank Account to the Small Savings account on the pre-determined date and pre-determined amount as mentioned in the ECS Mandate Form. For stepping-up installments, depositor will have to opt for alternative remittance channels like Cheque / DD / NEFT / RTGS etc. 11. Deduction of Tax at Source: Income Tax will be deducted at source under section 194A of the Income Tax Act, 1961 on interest payment of above 5000/- in a financial year subject to changes/ alterations in the said provisions by the relevant authorities. Upto and inclusive of 5000/- TDS is not applicable. For exemption of TDS, Depositors should submit to the company Form 15G/ 15H/ Order U/s10/ Order U/s 197 (as the case may be). 12. Nomination: Depositor can nominate another person under this facility. In joint account, the first depositor or all jointly can nominate a person. The nominee shall be recognized as the Holder of the title of the Deposit on death of the depositor/s. Power of Attorney holder investing on behalf of a depositor or a guardian investing on behalf of a minor, cannot nominate. 13. Recurring Deposit Passbook: The Recurring Deposit Passbook will be sent by Post/ Courier by the Company to the address given in the application form and the Company shall not be held responsible for any loss or delay in transit. If the deposit receipt is not received by the depositor for any reason, the depositor should write to enquire with the Company. In the event of loss/ destruction/ mutilation of Recurring Deposit Passbook, the Company may at its sole discretion issue a duplicate Recurring Deposit Passbook upon receiving an Indemnity Bond executed by the depositor in the form prescribed by the Company. The Recurring Deposit Passbook is not transferable. The Company will not recognize any lien or assignment of the deposit or interest thereof in favour of a third party. 14. Conversion and Repayment of Deposit: In case of conversion, final amount on the closure of Recurring Deposit can be converted to Fixed Deposit. For this a fresh Application Form duly filled should accompany the discharged Recurring Deposit Passbook. In case of repayment, the duly discharged Recurring Deposit Passbook should be surrendered at least 15 days before the date of maturity. 15. Premature Withdrawal: a) Premature withdrawal will be allowed after completion of three months from the date of deposit, as per National Housing Bank (NHB) guidelines. In case of such premature withdrawal, the rates given in the table below shall apply. Sr. No. Period completed from date of deposit 1 After 3 months but before 6 months No interest Rate of interest payable (%p.a.) 2 Above 6 months before 12 months 3% less than the minimum rate at which the public deposit is accepted months and above 2% less than the rate applicable to the deposit run period b) In the event of the deposit holder already having/ received interest at a higher rate under noncumulative scheme, the difference in the interest paid and revised interest payable would be adjusted against the interest/ principal amount. c) Outstanding post-dated interest cheque/warrants in custody of the depositor should be surrendered to DHFL. d) The brokerage payable to authorized agent is for the period completed and thus excess brokerage paid will be recovered from the depositor/broker. 16. Know Your Customer (KYC) Compliance: In terms of Prevention of Money Laundering Act 2002, the rules notified thereunder and KYC Guidelines issued by the National Housing Bank (NHB), depositor should provide a copy of any one of the following documents which contains the photograph of the depositor/first depositor for identification and proof of resident address. Proof of Identity: (i) Passport (ii) Photo Pan Card with address proof provided additionally (iii) Driving License (iv) Voters Identity Card (v) Photo Debit / Credit card issued by bank (vi) Photo Ration Card (vii) Aadhar Card. Proof of Residence: (I) Latest Telephone Bill of Landline / Postpaid Mobile (ii)latest Electricity / Gas Bill (iii) Ration Card (iv) Latest Bank a/c statement (v) Registered Rent agreement (vi) Latest Demat Account Statement 17. For Authorized Agents: Agent / Broker is not authorized to accept cash or issue receipts on behalf of DHFL. Please ensure that agent's name and code number are clearly mentioned in the Application Form to ensure payment of brokerage. Application Form received without name and code number will not be considered for payment of brokerage. Brokerage will be paid to registered agent at the rate decided by the management with in the cap fixed by NHB. 18. General: i. Deposit will be subject to the rules/guidelines framed from time to time by National Housing Bank (NHB) or any other statutory authority and or Central/ State Government in connection with acceptance of deposits by Housing Finance Companies, the terms and conditions of which form part of the prescribed FD application form. ii. The Company reserves the rights to alter or amend from time to time the terms and conditions without assigning any reasons, if so required by NHB regulations / guidelines. iii. Brokerage will not be paid to the Depositors as per the NHB regulations. iv. In case of non-repayment of the deposit or part thereof in accordance with the terms and conditions of the deposit, the depositor may make an application to an authorized officer of the National Housing Bank. v. Company has a customer grievance redressal mechanism in place to look into customer grievances in the services provided by the company. vi. In case the depositor is not satisfied with the services provided or the grievance redressal, the depositor may approach the National Consumer Disputes Redressal Forum or the State Level Consumers Disputes Redressal Forum or District Level Consumers Disputes Redressal Forum for relief. vii. The Board of Directors certify that all the relevant informations regarding the Scheme as well as the financial position of the Company are correctly declared. viii. As required by NHB guidelines, it is to be distinctly understood that the Deposit Application Form should not in any way be deemed or construed to have been cleared or approved by NHB, who does not undertake any responsibility either for the financial soundness of any scheme or for the statements made in the Deposit Application Form. ix. DHFL will not be responsible for non-receipt/ loss/delay in transit of the FDR / Cheque/ Warrant sent to the depositor/ first depositor by Registered post/courier. However, in case of loss/misplacement of FDR/Cheque by the depositor, duplicate FDR/ Cheque will be issued to the depositor upon complying with the required procedure. x. Periodical payment of interest on Deposit will be made through ECS, by directly crediting depositor's account or through warrants/cheques xi. Change of address of the depositor/first depositor should be intimated to DHFL. xii. All disputes relating to acceptance of deposit shall be subject to Mumbai jurisdiction only. xiii. Depositor must mention PAN while placing deposit in excess of 25,000/- including the past deposits already placed.

4 Small Savings Scheme Broker Name: Broker s Code No.: Sub-Broker s Code No.: Customer Code: Date: Signature: Appl. No.: Affix a latest photograph of the First Applicant Important: 1) Please use BLOCK letters (2) Please tick wherever applicable (3) All details must be filled in, if not applicable, please write N.A. (4) Crossed A/c Payee Cheques / DD payable to Dewan Housing Finance Corporation Ltd. should be furnished. (5) Amount can be remitted through RD installments / RTGS for Credit of DHFL s Account (6) DHFL will in no way be responsible for any or other wrong tenders (7) Agents are not authorised to issue receipt. I / We apply for New RD / conversion at branch at an interest % p.a. RDR No Maturity Date: D D M M Y Y Maturity Amt. (In case of Renewal) New RD Amt / Conversion Amt Small Saving Scheme Period (in months) Status Resident Individual NRI HUF Trust / Society / Association / Club Public / Private Company Partnership / Proprietary Firm Registered Co-operative Society Co-operative Bank Bank Category DHFL Promoter DHFL Director Relative of DHFL Director DHFL Shareholder Member of Public Depositor s Name (in Block Letters) First Applicant : Date of Birth : Occupation: Guardians Name : (in case of minor) Second Applicant : Date of Birth : Occupation: Third Applicant : Date of Birth : Occupation: Permanent Account No. (PAN) for 1st Applicant Tax to be deducted YES No. If no please submit 15G Form 15H Order U/s 10 Order U/s 197 (as applicable). If other please Specify Deposit Repayable to First Depositor Any one or Survivor/s Others (please specify) Payment Details Cheque Draft RTGS Cash UTR No. (Installment 1) Cheque / Draft No. Date Amount Rs. (Installment 2) Cheque / Draft No. Date Amount Rs. Rupees (in words) Bank Name Branch

5 Address of First / Sole Depositor Flat No. & Bldg. Name Road No./ Name City State Tel. (R) Mobile Pin Code Country STD Code INTEREST RATES up to 9.75%* 9.75%* (Kindly provide mobile number and id to get alerts of payment/interest) Valid Proof of Address to be provided by Applicant. (Please submit ANY ONE of the following certified documents) Latest Telephone Bill of Landlline / Post Paid Mobile Latest Electricity / Gas Bill Ration Card Latest Bank Account Statement Registered Rent Agreement Latest Demat Account Statement Any other Address Proof Valid Proof of Identity to be provided by Applicant. (Please submit ANY ONE of the following certified documents) (Subject to satisfaction of DHFL) Passport Photo Pan Card Driving Licence Voter s Identity Card Photo Debit / Credit Card issued by Bank Photo Ration Card Aadhar Card Any other identification with photograph Nomination Name of Nominee Address of Nominee Guardian s Name (In case of minor) Relationship of nominee with first depositor Signature of Nominee (optional) Date of Birth (Subject to satisfaction of DHFL) 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 / or is not designed for the purpose of contravention or evasion undder any law. I/We hereby declare that the first named depositor mentioned in my/our application is the beneficial owner of this deposit and as such he/she should be treated as the payee for the purpose of tax deduction under section 194A of the Income Tax Act, I/We hereby agree to abide by the attached terms and conditions governing the deposit. I/We have gone through the financial and other statements / particulars / representation furnished / made by the Company and after careful consideration, I/We am / are making the deposit with the Company at my / our own risk and volition. I/We hereby authorise DHFL to make my / our interest / maturity payment through ECS / NEFT / RTGS directly into my / our account. D D M M Y Y Small Savings Scheme / Recurring Deposit (RD) Signature of the Depositor(s) (1) (2) (3) X X X For office use only: Customer ID RDR No. RD Amount Rate of Interest Maturity Amount Maturity Date D D M M Y Y Maker Detail Name: Signature: Checker Detail Name: Signature: RDR to sent to customer through Courier Hand Delivery As regards deposit taking activity of the Company, the viewers may refer to the advertisement in the newspaper / information furnished in the application form for soliciting public deposits. The company is having a valid Certificate of Registration No dated 31/07/2001 issued by the National Housing Bank under Section 29A of the National Housing Bank Act, However, the National Housing Bank does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for repayment of deposits / discharge of the liability by the company.

6 ECS MANDATE FORM FOR RECURRING DEPOSITS (DEBIT CLEARING) RD No: Branch Code Branch Name I/We hereby, authorise DHFL Ltd. and their authorised service providers to debit my/our following bank account by ECS (Debit Clearing) for collection RD monthly savings amount. Bank Name Branch Name Bank City Account Number Account Type Savings Current 9 Digit MICR Code (Please enter 9 digit number that appears after the cheque number) Account holder Name as in Bank Account Name of the Scheme Small Saving Scheme (Recurring Deposit) ECS Debit Preference Date (Tick the Date) 5th 15th 28th Periodicity Monthly Amount of Installment Number of Installments By Cheque/DD By ECS Kindly provide us with two cheques of RD installments, thereafter the installment will be debited through ECS Start Date End Date I/We hereby declare that the particulars given above are correct and complete. If the transaction is delayed or not effected at all for reasons of incomplete or incorrect information, I would not hold the user institution responsible. I have read the terms and conditions of this product an shall abide by the same and agree to discharge the responsibility expected of me as a participant under the scheme. Account Holder s Signature (As in Bank Records) Banker s Attestation (For Bank use only) Certified that the signature of account holder and the details of Bank account and its MICR code are correct as per our records. Signature of Authorised Official from (Bank Stamp and Date) Bank Account Number Ref No: DHFL/

7 VALID SUBJECT TO REALISATION OF CHEQUE Authorised Signatory Call Toll Free: Small Saving Scheme for a period of months / % per annum. ` Bank Branch towards Received from Cheque / RD Receipt No. for PROVISIONAL RECEIPT Appl. No.: WHY IS IT BENEFICIAL TO INVEST IN DHFL FIXED DEPOSIT? Strong Fundamentals Company is in strong financial footing Company s management team is strong and experienced Company is fully compliant with the regulatory norms FD product credit ratings reflect high investment safety Company has been out performing as peers Three decades of existence and operations with profit Great history of dividend payment over last 25 years Strong nationwide presence in over 400 locations Diversified suite of Fixed Deposit Products Credit Ratings: CARE AAA (FD) and BWR FAAA Higher yield on deposit ranging from 9.73% to 17.17% p.a. Available in both cumulative and non-cumulative options Periodic interest payments through ECS Pre-closure/Loan facility available after 3 months Repayment through Cheque / RTGS / NEFT Free accidental death insurance cover of ` 1 lac Tax protection section 11(5)(ix) for Trusts Another Best product for you to select is Aashray Deposit Plus For all investors - Individuals / Companies / Partnership & Proprietary Firms 2. Cumulative and non cumulative schemes. Tenure ranging from 12 to 120 months (14 and 40 months deposit products available) 3. The rate of interest is compounded half yearly. 4. Monthly / Quarterly / Half Yearly / Yearly interest payable for non cumulative schemes % additional interest for privilege individual customers

8 10.50%