Draft Prospectus - India Infoline Finance Limited

India Infoline Investment Services Limited
FORWARD LOOKING STATEMENTS
This Draft Prospectus contains certain statements that are not statements of historical fact and are in the nature of
“forward-looking statements”. These forward-looking statements generally can be identified by words or phrases such
as “aim”, “anticipate”, “believe”, “continue”, “expect”, “estimate”, “intend”, “objective”, “plan”, “potential”, “project”,
“will”, “will continue”, “will pursue”, “will likely result”, “will seek to”, “seek” or other words or phrases of similar
import. All statements regarding our expected financial condition and results of operations and business plans and
prospects are forward-looking statements. These forward-looking statements include statements as to our business
strategy, revenue and profitability and other matters discussed in this Draft Prospectus that are not historical facts.
All forward-looking statements are subject to risks, uncertainties and assumptions about us that could cause actual
results, performance or achievements to differ materially from those contemplated by the relevant statement.
Actual results may differ materially from those suggested by the forward looking statements due to risks or
uncertainties associated with our expectations with respect to, but not limited to, regulatory changes pertaining to the
our businesses and our ability to respond to them, our ability to successfully implement our strategies, our growth and
expansion, technological changes, our exposure to market risks, general economic and political conditions in India and
which have an impact on our business activities or investments, the monetary and fiscal policies of India, inflation,
deflation, unanticipated turbulence in interest rates, , equity prices or other rates or prices, the performance of the
financial markets in India and globally, changes in domestic laws, regulations and taxes and changes in competition in
our industry.
Important factors that could cause actual results to differ materially from our expectations include, but not limited to,
the following:
Any increase in the levels of non performing assets (“NPA”) on our loan portfolio, for any reason whatsoever,
would adversely affect our business and results of operations;
Any volatility in interest rates which could cause our Gross Spreads to decline and consequently affect our
profitability;
Changes in the value of Rupee and other currency changes;
Unanticipated turbulence in interest rates or other rates or prices; the performance of the financial and capital
markets in India and globally;
Changes in political conditions in India;
The rate of growth of our loan assets;
The outcome of any legal or regulatory proceedings we are or may become a party to;
Changes in Indian and/or foreign laws and regulations, including tax, accounting, banking, securities, insurance
and other regulations; changes in competition and the pricing environment in India; and regional or general
changes in asset valuations;
Any changes in connection with policies, statutory provisions, regulations and/or RBI directions in connection
with NBFCs, including laws that impact our lending rates and our ability to enforce our collateral;
Emergence of new competitors;
Performance of the Indian debt and equity markets;
Occurrence of natural calamities or natural disasters affecting the areas in which our Company has operations;
The performance of the financial markets in India and globally;
Our ability to attract and retain qualified personnel;
Any adverse outcome in the legal proceedings in which we are involved; and
Other factors discussed in this Draft Prospectus, including under the chapter titled “Risk Factors” beginning on
page x of this Draft Prospectus.
For further discussion of factors that could cause our actual results to differ from our expectations, please refer to the
section titled “Risk Factors” and chapters titled “Industry” and “Our Business” beginning on pages x, 38 and 47
respectively.
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