Draft Prospectus - India Infoline Finance Limited

India Infoline Investment Services Limited
SUMMARY OF BUSINESS, STRENGTHS AND STRATEGIES
Overview
We are a systemically important non-deposit taking NBFC focusing on Mortgage Loans and Capital Market 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, 2011, Mortgage Loans accounted for 60% of our Loan Book, Capital Market Finance accounted for
35% of our Loan Book and Gold Loans accounted for 4% 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”), Moneyline Credit Limited (“MCL”) 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. MCL is registered as a
non deposit accepting or holding Non Banking Financial Company with Reserve Bank of India vide certificate of
registration no. 13.00885 dated May 26, 1998.
Our Promoter, IIFL is a financial services organization having presence across India. The global footprint extends
across geographies with offices in New York, London, Hong Kong, Singapore, Dubai, Mauritius and Colombo. It is
listed on BSE and NSE. Further IIFL Securities Pte. Limited and IIFL Securities Ceylon Limited, part of the IIFL
Group have received membership of the Singapore Stock Exchange and Colombo Stock Exchange, respectively. 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 June 30, 2011, IIFL has presence in over 3,000 Business Locations
which include over 450 branches and over 2,500 franchisees, spread across 506 cities in 29 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 June 30, 2011,
we have a total of 524 branches - 34 branches for our Mortgage Loans and Healthcare Finance distribution network
of which 28 branches are co-located with the branch network of IIFL Group and 490 exclusive Gold Loans branches.
Our Capital Market Finance business is sourced through direct sales, branch network, retail and wealth teams of IIFL.
As of June 30, 2011, we have an access to over 3,000 relationship managers from the retail teams and over 150
relationship managers from the wealth teams of IIFL for our Capital Market Finance business. Our Company’s
employee strength as on June 30, 2011 was 2,263.
Our Consolidated Income from Operations and Profit after Tax (PAT) for the financial year ending March 31, 2011 is
` 4,697.76 million and ` 922.48 million respectively. Our Consolidated Income from Operation and Profit after tax
has grown at a CAGR of 43.16% and 56.78% respectively over the last three years. Our Loan Book has grown at a
CAGR of 51.99% over the last three years.
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