Shriram City Union Finance Limited - Karvy

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Profit and Loss accountNet employee benefit expense (recognized in Employee Cost)Gratuity(Rs. in Lacs)ParticularsMarch 31 2011 March 31 2010Current service cost 4.84 21.49Interest cost on benefit obligation 12.44 12.38Expected return on plan assets N.A N.ANet actuarial (gain) / loss recognized in the year 23.23 (19.27)Past service cost NIL NILNet benefit expense 40.51 14.60Actual return on plan assets N.A N.ABalance sheetDetails of Provision for gratuityGratuity(Rs in Lacs)ParticularsMarch 31 2011 March 31 2010Defined benefit obligation 196.34 155.52Fair value of plan assets N.A N.ATotal 196.34 155.52Less: Unrecognized past service cost NIL NILPlan asset / (liability) (196.34) (155.52)F-54
Changes in the present value of the defined benefit obligation are as follows:(Rs. In Lacs)GratuityParticularsMarch 31 2011 March 31 2010Opening defined benefit obligation 155.52 139.64Interest cost 12.44 12.38Current service cost 4.84 21.49Benefits paid -- 1.28Actuarial (gains) / losses on obligation 23.54 (19.27)Closing defined benefit obligation 196.34 155.52The Company would not contribute any amount to gratuity in 2011-12 as the scheme is unfunded.The major categories of plan assets as a percentage of the fair value of total plan assets are as follows:(Rs. In Lacs)GratuityParticularsMarch 31 2011 March 31 2010% %Investments with insurer NA NAThe principal assumptions used in determining gratuity obligations for the company’s plan are shownbelow:(Rs. InLacs)GratuityParticulars March 31 2011 March 31 2010Discount Rate 8.25% 7.75%Increase in compensation cost 5.00% 5.00%Employee Turnover 2.00% 3.25%F-55
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Draft ProspectusDated July 21, 2011
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SECTION I : GENERALDEFINITIONS / AB
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TermDebenture Holder (s)Debt Listin
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that notice of such early closure i
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TermROCRTGSSBISCRASCRRSEBIDescripti
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• Emergence of new competitors;
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SECTION II : RISK FACTORSProspectiv
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may be lower than the outstanding l
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and other liberalization measures a
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previous working relationship; succ
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As part of our means of raising and
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24. We may have to comply with stri
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valuation mechanism, which are pers
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Risks Relating to the Utilization o
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As on March 31, 2011, 24 % of our A
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5. Investors may contact the Regist
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Lead Managers:JM Financial Consulta
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Bankers to our CompanyANDHRA BANKCo
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STATE BANK OF BIKANER AND JAIPUR1 s
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warrant. CRISIL is not responsible
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We leverage on the Shriram Group’
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Access to a range of cost effective
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THE ISSUEThe following is a summary
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SUMMARY FINANCIAL INFORMATIONThe fo
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B. SUMMARY INFORMATION OF OUR UNCON
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C. SUMMARY INFORMATION OF OUR UNCON
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ParticularsFor the year ended March
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E. SUMMARY INFORMATION OF OUR CONSO
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F. SUMMARY INFORMATION OF OUR CONSO
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CAPITAL STRUCTUREDetails of share c
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Date of AllotmentNumber of sharesis
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Sr.NoCategory ofShareholderNumberof
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Sr. No. Name of holder Number ofins
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11. List of top ten holders of Secu
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Employee Stock Option SchemesPursua
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STATEMENT OF TAX BENEFITSUnder the
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provisions of Chapter XII-A shall c
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SECTION IV : ABOUT THE ISSUER COMPA
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Initially, the NBFCs registered wit
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Overall Demand Drivers in the Two W
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wheelers and similar forms of intra
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Players are now adopting stringent
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Growth in CV finance disbursements`
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SI.No.YearTotalMSMEs(lakhnumbers)Fi
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women and all loans to the North Ea
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segment and the ability to provide
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NBFCs in the Indian gold loans mark
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We leverage on the Shriram Group’
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Access to a range of cost effective
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Our Company’s ProductsProduct Fin
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All customer origination and evalua
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maintain low gross and net NPA leve
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The following table sets forth the
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Credit RatingAgencyCAREInstruments
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TechnologyWe use information techno
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act as, and to undertake and carry
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Company equal to or more than 7% of
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(c) Term and termination: Either pa
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Pursuant to the Agreement, the Inve
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• more than 50% of the fully dilu
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OUR MANAGEMENTBoard of DirectorsThe
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Name, Designation,Age and DINNation
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commercial banks. He was the chairm
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Remuneration of the DirectorsThe in
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A. Audit CommitteeThe members of th
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To form Sub CommitteesD. Asset liab
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OUR PROMOTERProfile of our Promoter
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Particulars FY 2008 FY 2009 FY 2010
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Particulars FY 2008 FY 2009 FY 2010
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Sr.No.Name of Shareholder Address N
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PIJUSH GUPTA & COC H A R T E R E D
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Page 145 and 146: Annexure IShriram City Union Financ
Page 147 and 148: Annexure IIShriram City Union Finan
Page 149 and 150: Shriram City Union Finance LimitedA
Page 151 and 152: Annexure IIIShriram City Union Fina
Page 153 and 154: Annexure IVShriram City Union Finan
Page 165 and 166: Annexure VShriram City Union Financ
Page 171 and 172: Annexure VIShriram City Union Finan
Page 173 and 174: Annexure VIIShriram City Union Fina
Page 175 and 176: Annexure VIIIShriram City Union Fin
Page 177 and 178: Annexure IXShriram City Union Finan
Page 179 and 180: Annexure IXC. Cash Credit from Bank
Page 181 and 182: Annexure XShriram City Union Financ
Page 183 and 184: Annexure - XIIShriram City Union Fi
Page 185 and 186: c. Fixed Assets, Depreciation / Amo
Page 187 and 188: g. Revenue recognitioni. Income fro
Page 189 and 190: j. Segment reportingThe company ope
Page 191 and 192: 2010 - 20112. Notes to Accounts1. P
Page 193: c) Term Loans:i. From Financial Ins
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Page 201 and 202: Stock Options grantedThe weighted a
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Page 207 and 208: Balance sheetDetails of Provision f
Page 209 and 210: (Rs. In Lacs)Enterprises havingsign
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Page 213 and 214: The details of Series I have been s
Page 215 and 216: Since the enterprise used the intri
Page 217 and 218: 13.1 Licensed Capacity, Installed c
Page 219 and 220: ) Term Loans:As at March 31,2009(Rs
Page 221 and 222: Profit and Loss accountNet employee
Page 223 and 224: The estimates of future salary incr
Page 225 and 226: 7. Related Party DisclosuresRelated
Page 227 and 228: * Denotes transactions with Shriram
Page 229 and 230: (Rs. in lacs)As at March 31, As at
Page 231 and 232: Stock Options grantedSeries I:The w
Page 233 and 234: 15. SecuritisationThe Company sells
Page 235 and 236: 2007 - 20082. Notes to Accounts1. P
Page 237 and 238: 2. Subordinated DebtThe Company has
Page 239 and 240: The principal assumptions used in d
Page 241 and 242: 6. Related Party DisclosuresRelated
Page 243 and 244: 9. Earnings per shareParticularsYea
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Income Tax/Wealth TaxDisputed Incom
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Stock Options grantedSeries I:The w
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15. SecuritisationThe Company sells
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2006 - 2007B) Notes to AccountsPart
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9. Expenses in respect of common br
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15. Details of Deferred Tax Liabili
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3(Rs. In lacs)As on March 31,Partic
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(Rs. In lacs)ParticularsAmount outs
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7 Investor group-wise classificatio
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PIJUSH GUPTA & COC H A R T E R E D
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Other consolidated Financial Inform
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Annexure IIShriram City Union Finan
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Shriram City Union Finance LimitedC
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Annexure IVShriram City Union Finan
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Shriram City Union Finance LimitedS
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Annexure VShriram City Union Financ
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Annexure VIShriram City Union Finan
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Shriram City Union Finance Ltd.,Ann
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Shriram City Union Finance Ltd.,Ann
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Annexure XIShriram City Union Finan
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(E)InvestmentsInvestments intended
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(K)Segment reportingThe company ope
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) Privately Placed Redeemable Non-C
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Balance sheetDetails of Provision f
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PaymentsEnterprises having signific
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(8) Deferred Tax Liabilities/(Asset
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The details of Stock Option plan ar
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In March 2005 the ICAI has issued a
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As per our report of even dateFor P
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Sr.No.Particulars16. Industrial Dev
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Sr.No.Particulars Date of sanction
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1. to declare and/ or pay dividend
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SECTION VI : ISSUE RELATED INFORMAT
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person, being a nominee, becoming e
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*With respect to applications recei
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e paid on the next working day. Pay
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Please note that failure to do so c
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We may at our discretion redeem the
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other NCDs in their place. The afor
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from the date of receipt of the app
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or entities.Applicants are advised
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3. Filing of the Prospectus with RO
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in the Application Form would be us
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B. Additional ApplicationsAn applic
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12. Allotment Advice / Refund Order
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iii) In the event, there are more t
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SECTION VII : LEGAL AND OTHER INFOR
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within the meaning of section 271 (
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OTHER REGULATORY AND STATUTORY DISC
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ActivityFees payable legal advisors
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(Source: www.bseindia.com)NSEMonth
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Year ended As at 31st March` In Lak
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(ii)NBFCs are not allowed to deal i
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when hire charges are actually rece
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different rates of interest for dif
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Labour LawsThe Company is required
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…Clause (3) of Article 42 at thei
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MATERIAL CONTRACTS AND DOCUMENTS FO
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DECLARATIONWe, the Directors of the
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Shriram City Union Finance Limited - Karvy

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