INDIA INFOLINE FINANCE LIMITED - Securities and Exchange ...

India Infoline Finance Limited
Overview
SUMMARY OF BUSINESS, STRENGTHS AND STRATEGIES
We are a systemically important non-deposit taking NBFC focusing on Mortgage Loans, Capital Market
Finance, Gold Loan and Healthcare Finance. We are a subsidiary of India Infoline Limited (“IIFL”), a
diversified financial services company. We offer a broad suite of lending and other financial products to our
clients both retail and corporate. Our lending and other financial products include:
• Mortgage Loans, which includes Housing Loans and Loans against Property.
• Capital Market Finance, which includes Loans against Securities, Promoter Funding, Margin Funding, IPO
financing and other structured lending transactions.
• Gold Loans, which includes finance against security of mainly used gold ornaments.
• Healthcare Finance, which includes finance for medical equipments and project funding in the healthcare
sector.
As on March 31, 2012, Mortgage Loans accounted for 44.70% of our Loan Book, Capital Market Finance
accounted for 11.86% of our Loan Book and Gold Loans accounted for 41.07% of our Loan Book. Health Care
Finance is a recent product which has been introduced in FY 2011.
We received a certificate of registration dated May 12, 2005 bearing registration no. - B-13.01792 from the
Reserve Bank of India for carrying on activities of a Non Banking Financial Company. India Infoline Housing
Finance Limited (“IIHFL”) and India Infoline Distribution Company Limited (“IIDCL”) are our wholly owned
subsidiaries. IIHFL received a certificate of registration from the National Housing Bank (“NHB”) on February
3, 2009 to carry on the business of a housing finance institution.
Our Promoter, IIFL is a financial services organization having presence across India. The global footprint
extends across geographies with offices in New York, London, Geneva, Hong Kong, Singapore, Dubai,
Mauritius and Colombo. It is listed on BSE and NSE. IIFL Group’s services and products include retail broking,
institutional equities, commodities and currency broking, wealth advisory, credit & finance, insurance broking,
asset management, financial products distribution & investment banking. The product/ services portfolio of IIFL
caters to the diverse investment and strategic requirements of retail, institutional, corporate and affluent clients.
As on March 31, 2012, IIFL has presence in over 4000 business locations which include over 1,900 branches
and over 2,300 registered franchisees, spread across 959 cities in 28 states and union territories in India. We
leverage extensively on the infrastructure, distribution network and insights of IIFL Group into market and
customer needs.
Over the past several years, we have expanded our presence into markets that are of greater relevance to the
products we offer. Portfolio performance and profitability are the factors that drive the branch network. As of
March 31, 2012, we have a total of 1,323 branches – 34 branches for our Mortgage Loans and Healthcare
Finance distribution network of which 32 branches are co-located with the branch network of IIFL Group and a
total of 1297 gold loan branches out of which 1180 are exclusive Gold Loans branches. Our Capital Market
Finance business is sourced through direct sales, branch network, retail and wealth teams of IIFL. As of March
31, 2012, we have an access to over 2,900 sales executives from the retail teams and over 120 sales executives
from the wealth teams of IIFL for our Capital Market Finance business. Our Company’s employee strength as
on March 31, 2012 was 6,094.
Our Consolidated Income from Operations and Profit after Tax (PAT) for the financial year ending March 31,
2012 is ` 9084.58 million and ` 1053.81 million respectively. Our Consolidated Income from Operation and
Profit after tax has grown at a CAGR of 54.33% and 44.85% respectively over the last four years. Our Loan
Book has grown at a CAGR of 63.82% over the last four years.
Operational & Financial Parameters (Consolidated) FY 12 FY 11 FY 10 FY 09
Loan Book (` million) 67,464.86 32,889.74 16,267.84 9,560.35
Total Borrowings (` million) 59,384.31 22,930.41 10,199.42 2,256.85
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