Shriram City Union Finance Limited - Karvy

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DISCLOSURES ON EXISTING FINANCIAL INDEBTEDNESSA. Details of Secured Borrowings:Our company’s secured borrowings as on March 31, 2011 amount to ` 656,951.01 lakhs. The details of theindividual borrowings are set out below:1. Term Loans from Banks:Sr.No.ParticularsDate ofdisbursementAmount outstandingas on March 31,2011(` in Lakhs)Maturity date1. Andhra Bank December 31,2008 4,371.95 December 31,20122. Bank of Maharashtra March 31, 2011 5,000.00 September 30, 20143. Calyon bank December 2, 2010 3,500.00 December 2, 20124. Canara Bank December 17, 2007 1,250.00 August 9, 20115. Canara Bank January 29, 2010 20,000.00 February 18, 20126. Canara Bank September 24, 2010 20,000.00 August 24, 20137. Canara Bank September 24, 2010 10,000.00 August 24, 20138. Corporation Bank December 28, 2010 10,000.00 December 28, 20139. Corporation Bank March 29, 2011 20,000.00 June 29, 201110. DBS Bank Limited March 4, 2011 6,000.00 October 7, 201111. DBS Bank Limited September 24, 2010 5,000.00 September 24, 201312. DBS Bank Limited October 26, 2010 8,000.00 October 26, 201113. HDFC Bank Limited March 22, 2010 5,000.00 September 21, 201114. ICICI Bank Limited March 22, 2011 25,000.00 April 22, 201315. Industrial Development Bank ofIndia LimitedMarch 22, 2011 20,000.00 June 22, 2011129
Sr.No.Particulars16. Industrial Development Bank ofIndia LimitedDate ofdisbursementAmount outstandingas on March 31,2011(` in Lakhs)Maturity dateMarch 22, 2011 4,000.00 June 22, 201117. ING Vysya Bank Limited March 26, 2009 333.28 March 23, 201218. ING Vysya Bank Limited March 25, 2010 2,866.67 February 25, 201319. Karur Vysya Bank July 31, 2009 625.00 July 31, 201120. Oriental Bank of Commerce March 31, 2010 2,000.00 March 31, 201221. Oriental Bank of Commerce March 28, 2011 10,000.00 March 28, 201422. State Bank of Indore March 31, 2009 1,397.73 December 19, 201123. State Bank of Mauritius February 7, 2011 1,500.00 February 7, 201324. State Bank of Mysore November 27, 2010 9,999.38 November 27, 201325. State Bank of Patiala February 28, 2009 2,000.00 February 27, 201226. State Bank of Patiala December 21, 2010 10,000.00 December 21, 201327. State Bank of Patiala March 22, 2011 15,000.00 March 22, 201428. State Bank of Travancore December 23, 2010 9,999.97 December 23, 201229. Syndicate Bank January 3, 2011 15,000.00 January 3, 201330. Union Bank of India November 22, 2010 15,000.00 November 22, 201231. Union Bank of India January 4, 2011 15,000.00 January 4, 201332. United Bank of India December 27, 2008 833.30 December 31, 201133. Vijaya Bank March 30, 2011 9,000.00 March 31, 201434. YES Bank Limited February 28, 2011 8,000.00 February 28, 2014130
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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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8. This report should not be in any
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Annexure IShriram City Union Financ
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Annexure IIShriram City Union Finan
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Shriram City Union Finance LimitedA
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Annexure IIIShriram City Union Fina
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Annexure IVShriram City Union Finan
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Annexure VShriram City Union Financ
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Annexure VIShriram City Union Finan
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Annexure VIIShriram City Union Fina
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Annexure VIIIShriram City Union Fin
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Annexure IXShriram City Union Finan
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Annexure IXC. Cash Credit from Bank
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Annexure XShriram City Union Financ
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Annexure - XIIShriram City Union Fi
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c. Fixed Assets, Depreciation / Amo
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g. Revenue recognitioni. Income fro
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j. Segment reportingThe company ope
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2010 - 20112. Notes to Accounts1. P
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c) Term Loans:i. From Financial Ins
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Changes in the present value of the
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Enterprises havingsignificant influ
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Deferred Tax AssetTiming difference
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Stock Options grantedThe weighted a
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12. SecuritizationThe information o
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c) All Debentures under (a) and (b)
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Balance sheetDetails of Provision f
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(Rs. In Lacs)Enterprises havingsign
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5. Deferred Tax Liabilities/(Asset)
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The details of Series I have been s
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Since the enterprise used the intri
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13.1 Licensed Capacity, Installed c
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) Term Loans:As at March 31,2009(Rs
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Profit and Loss accountNet employee
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The estimates of future salary incr
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7. Related Party DisclosuresRelated
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* Denotes transactions with Shriram
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(Rs. in lacs)As at March 31, As at
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Stock Options grantedSeries I:The w
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15. SecuritisationThe Company sells
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2007 - 20082. Notes to Accounts1. P
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2. Subordinated DebtThe Company has
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The principal assumptions used in d
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6. Related Party DisclosuresRelated
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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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Page 265 and 266: Other consolidated Financial Inform
Page 267 and 268: Annexure IIShriram City Union Finan
Page 269 and 270: Shriram City Union Finance LimitedC
Page 271 and 272: Annexure IVShriram City Union Finan
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Page 279 and 280: Annexure VShriram City Union Financ
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Page 289 and 290: Shriram City Union Finance Ltd.,Ann
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Page 293 and 294: Annexure XIShriram City Union Finan
Page 297 and 298: (E)InvestmentsInvestments intended
Page 299 and 300: (K)Segment reportingThe company ope
Page 301 and 302: ) Privately Placed Redeemable Non-C
Page 303 and 304: Balance sheetDetails of Provision f
Page 305 and 306: PaymentsEnterprises having signific
Page 307 and 308: (8) Deferred Tax Liabilities/(Asset
Page 309 and 310: The details of Stock Option plan ar
Page 311 and 312: In March 2005 the ICAI has issued a
Page 313: As per our report of even dateFor P
Page 317 and 318: Sr.No.Particulars Date of sanction
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Page 321 and 322: SECTION VI : ISSUE RELATED INFORMAT
Page 323 and 324: person, being a nominee, becoming e
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Page 327 and 328: e paid on the next working day. Pay
Page 329 and 330: Please note that failure to do so c
Page 331 and 332: We may at our discretion redeem the
Page 333 and 334: other NCDs in their place. The afor
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Page 337 and 338: or entities.Applicants are advised
Page 339 and 340: 3. Filing of the Prospectus with RO
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Page 343 and 344: B. Additional ApplicationsAn applic
Page 345 and 346: 12. Allotment Advice / Refund Order
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Page 351 and 352: within the meaning of section 271 (
Page 353 and 354: OTHER REGULATORY AND STATUTORY DISC
Page 355 and 356: ActivityFees payable legal advisors
Page 357 and 358: (Source: www.bseindia.com)NSEMonth
Page 359 and 360: Year ended As at 31st March` In Lak
Page 361 and 362: (ii)NBFCs are not allowed to deal i
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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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