Shriram City Union Finance Limited - Karvy

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TermIssueIssue Opening DateIssue Closing DateLead BrokersLead ManagersMarket LotNon-Institutional PortionOptionsProspectus / Offer DocumentPut OptionRegistrar to the IssueDescriptionFunds and Superannuation Funds and Gratuity Funds which are authorised toinvest in the NCDs, Venture Capital funds registered with SEBI, InsuranceCompanies registered with the IRDA, National Investment Fund and MutualFundsPublic Issue by our Company of NCDs aggregating upto ` 37,500 lakhs with anoption to retain over-subscription upto 37,500 lakhs for issuance of additionalNCDs aggregating to a total of upto ` 75,000 lakhs.[●][●][●]JM Financial Consultants Private Limited, A. K. Capital Services Limited andICICI Securities LimitedOne NCDCategory II of persons eligible to apply for the issue which includesCompanies, Bodies Corporate and Societies registered under the applicable lawsin India and authorised to invest in NCDs, Public/Private Charitable/ReligiousTrusts which are authorised to invest in the NCDs, Scientific and/or IndustrialResearch Organisations which are authorised to invest in the NCDs, PartnershipFirms in the name of the partners and Limited liability partnerships formed andregistered under the provisions of the Limited Liability Partnership Act, 2008(No. 6 of 2009)Options being offered to the applicants as stated in the section titled ‘IssueRelated Information’ beginning on page 136 of this Draft ProspectusThe Prospectus dated [●] issued and filed/to be filed with the ROC in accordancewith the Debt Regulations containing inter alia the coupon rate for the NCDs andcertain other informationThe right of holders of Option I NCDs to seek redemption of such Option INCDs held by them at the expiry of 48 months, from the Deemed Date ofAllotmentIntegrated Enterprises (India) LimitedSenior CitizenAny person who has completed the age of 60 years as on the date of theProspectusTrustees / Debenture TrusteeTrustees for the Debenture Holders in this case being IDBI Trusteeship ServicesLimited.∗ The subscription list shall remain open for a period as indicated herein, with an option for early closure orextension by such period, as may be decided by the duly authorised committee of Directors of our Company, subjectto necessary approvals. In the event of such early closure of subscription list of the Issue, our Company shall ensureiv
that notice of such early closure is given on such early date of closure through advertisement/s in a leading nationaldaily newspaper.Technical & Industry TermsTermALMALCOCARKYC NormsMSMENon-Deposit Accepting NBFCDirectionsNBFC-DNBFC-NDPrudential NormsPublic Deposit DirectionsSMEConventional / General TermsDescriptionAsset Liability ManagementAsset - Liability CommitteeCapital Adequacy Ratio computed on the basis of applicable RBIrequirementsCustomer identification procedure for opening of accounts and monitoringtransactions of suspicious nature followed by NBFCs for the purpose ofreporting it to appropriate authorityMicro Small and Medium EnterprisesNon-Banking Financial (Non-Deposit Accepting or Holding) CompaniesPrudential Norms (Reserve Bank) Directions, 2007NBFC registered as a deposit accepting NBFCNBFC registered as a non-deposit accepting NBFCNon-Banking Financial (Deposit Accepting or Holding) CompaniesPrudential Norms (Reserve Bank) Directions, 2007The Non-Banking Financial Companies Acceptance of Public Deposits(Reserve Bank) Directions, 1998Small and Medium EnterprisesTermAGMASActBSECAGRCDSLDRREGMDescriptionAnnual General MeetingAccounting StandardThe Companies Act, 1956, as amended from time to timeBombay Stock Exchange LimitedCompounded Annual Growth RateCentral Depository Services (India) LimitedDebenture Redemption ReserveExtraordinary General Meetingv
Page 1 and 2: Draft ProspectusDated July 21, 2011
Page 3 and 4: SECTION I : GENERALDEFINITIONS / AB
Page 5: TermDebenture Holder (s)Debt Listin
Page 9 and 10: TermROCRTGSSBISCRASCRRSEBIDescripti
Page 11 and 12: • Emergence of new competitors;
Page 13 and 14: SECTION II : RISK FACTORSProspectiv
Page 15 and 16: may be lower than the outstanding l
Page 17 and 18: and other liberalization measures a
Page 19 and 20: previous working relationship; succ
Page 21 and 22: As part of our means of raising and
Page 23 and 24: 24. We may have to comply with stri
Page 25 and 26: valuation mechanism, which are pers
Page 27 and 28: Risks Relating to the Utilization o
Page 29 and 30: As on March 31, 2011, 24 % of our A
Page 31 and 32: 5. Investors may contact the Regist
Page 33 and 34: Lead Managers:JM Financial Consulta
Page 35 and 36: Bankers to our CompanyANDHRA BANKCo
Page 37 and 38: STATE BANK OF BIKANER AND JAIPUR1 s
Page 39 and 40: warrant. CRISIL is not responsible
Page 41 and 42: We leverage on the Shriram Group’
Page 43 and 44: Access to a range of cost effective
Page 45 and 46: THE ISSUEThe following is a summary
Page 47 and 48: SUMMARY FINANCIAL INFORMATIONThe fo
Page 49 and 50: B. SUMMARY INFORMATION OF OUR UNCON
Page 51 and 52: C. SUMMARY INFORMATION OF OUR UNCON
Page 53 and 54: ParticularsFor the year ended March
Page 55 and 56: 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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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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Shriram City Union Finance LimitedS
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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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