Inspection Forms

(to be filled by HFCs and submitted to NHB)

INS-1 General Information.

INS-2 Capital Structure.
INS-3 Reserves and Net owned funds.
INS-4 Borrowings (other than public deposits)
INS-5 Statement showing public deposit and exempted borrowings, composition,
maturity profile of deposits and maintenance of SLR etc.
INS-6 Statement showing compliance with CLB/Court/Consumer Court/Other Court
orders etc. where there was delay/default in repayment of public deposits.
INS-7 Statement of non-fund based activities.
INS-8 Investments.
INS-9 Lending policy.
INS-10 Particulars of loans and advances outstanding.
INS-11 Statement showing credit exposures and off balance sheet liabilities such as
guarantees, undertaking etc. beyond prescribed cut off points.
INS-12 Top 20 borrowers exposure analysis.
INS-13 Suit filed account-status.
INS-14 Migration analysis.
INS-15 Statement showing credit exposures or other assets or any claim written off.
INS-16 Prudential norms.
INS-17 Books of account.
INS-18 Financial statements.
INS-19 Internal Control/Audit/Reporting.
INS-20 Management.
 INS 1

NAME OF THE COMPANY:

GENERAL INFORMATION

1 Name of the HFC

2 Date of incorporation

3 Date of commencement of business

4 Address:
(a) Registered office

(b) Corporate office

5 If corporate office is not registered
office, whether the Registrar of
Companies has been advised in the
prescribed form under section 209 of
the Companies Act, 1956 and copy
filed with NHB?
6 Status - whether Government/public/
private/deemed public.
7. Company promoted by [a] individual/s
[b] bank/s [c] institution/s - give
names, business address and any
other information of importance.
8. Main object of the company as per the
Memorandum of Association [copy of
the latest Memorandum & Articles of
Association [MOA], duly certified, to
be attached]
9 Whether engaged only in lending
activity?

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 INS 1

10 Other activities engaged with - please

indicate
[i] the type of activity,
[ii] the relevant clause of MOA under
which the activity is undertaken,
[iii] purpose/reasons for undertaking
the activity?
[iv] extent of investment as ercentage
to capital employed during the last
three financial years in each of these
activities.
[Capital employed means paid up
capital, reserves less intangibles,
long term borrowings from other
sources and public deposits with
maturity period of three years and
above, excluding the amount
required to be kept in specified liquid
assets].
11 Extent of lending for housing as
percentage to capital employed for last
three years.
12 Activities proposed to be taken up in
future.
13 Operation network -
(a) State/ Union-territory-wise
State/UT Branches Satellite/ Out-reach Office/DSAs/ Other
Representative Office Out-sourcing agencies.
1 2 3 4

(b) Year-wise - Last three financial years

Year Branches opened Branches closed Net position
1 2 3 4

(c) Future plan for branch expansion

14

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 INS 1

Organizational set-up

(a) Please attach an Organizational

Chart for the Corporate Office and
Branch Offices

(b) Details of the Key and Senior level

personnel - give in the following
format [as on date of inspection]

Sr. No. Name and designation Age Date of appointment.

1 2 3 4

Qualification Previous Annual Remarks, if any.

experience emoluments drawn
5 6 7 8
(c) Details of training imparted to
staff during last three financial
years

Year Name of the Conducted by Number of participants

course

Date:
: Managing Director/ Chief Executive Officer

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 INS 2

NAME OF THE COMPANY:

CAPITAL STRUCTURE.

1 Authorised Capital
(a)Present - indicate Equity, Preference,
etc. separately.
(b) When was it last enhanced and how
much ? [attach Board /AGM Resolution]

2 Issued Capital
(a) As per last audited Balance Sheet -
indicate Equity, Preference, etc.
separately
(b) When was it last enhanced and how
much [attach Board /AGM Resolution}

3 Subscribed Capital
(a) As per last audited Balance Sheet -
indicate Equity, Preference, etc.
separately
(b) Present, if there is any change -
indicate Equity, Preference, etc.
separately
4 Share application money - if outstanding
in books indicate why shares have not
been allotted?
5 Share Premium Account - indicate in
which issue premium was collected and
whether there is any change in the
original amount; if so why?
6 Shares listed on the Stock Exchanges -
name the exchanges and indicate since
when listed.
7 If quoted on stock exchange/s -

(a) What is the present market value of

share?

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 INS 2

(b) If the share value is below par what

are the reasons therefor?
(c) Please indicate the monthly High,
Low, Closing quotes and volume of
shares that were traded in the last twelve
months.
8 Give shareholding pattern
at the time of last inspection
at the time of present inspection
in the following format
Rs. in lakh
Category of Residen Total number Amount Percentage of Percentage
Shareholder t / Non - of shares Rs. share holding to of convertible
resident company’s preference
paid up capital shares held
(%) (%)
1. Directors

2. Directors’ relatives
and friends,
associates [as
contemplated in
the companies
rules]

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 INS 2

3. Others.
(i) NHB
(ii) Govt. & Gov. under
taking.
(iii) Domestic Financial
Institutions
(iv) Domestic Mutual
Funds
(v) Foreign
Institutional
investors
(vi) OBCs.
(vii) Other Corporate
Bodies
(viii) Firms /HUFs.
(ix) Public
(x) Promoters (Other
than Directors)
(xi) Others

9 Give list of following shareholders with number

of share held and percentage of their holding
to the total share capital, as on last Balance
Sheet -
(i) Promoters; and
(ii) Shareholders who together with their
spouse and minor children hold more than 10
per cent:
(a) Name of the promoter/ No. of % of equity No. of % convertible
shareholder shares held shares pref. shares held
1 2 3 4 5

(b) Details of shares/GDRs/ADRs issued

to non-resident Indians NRIs/OCBs)

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 INS 2

No of shares issued No. of GDRs issued No. & date of RBI's

permission letter

10 When was the last capital raised? Give details such

as quantum of issue, type of issue - rights/
preference, public/ private placement, the date of
issue, date of allotment, date of issue of share
certificates, date of intimation to various authorities,
etc.
11 Any proposal to raise further capital / Give details
such as the quantum of issue, type of issue - rights/
preference, public/ private placement, the proposed
date of issue, present status, etc.
12 Share registry managed in-house or by outside
agency? If an outside agency, then please give the
name and address.
13 Whether the shares have been dematerialized?
If yes, please indicate -
(a) Is it compulsory or voluntary?
(b) Number of shares dematerialized
Percentage of dematerialized shares to
the total shares
Reason, if any, for shortfall in
dematerialization
14 Rate of dividend declared during last three years

Date :
Managing Director/ Chief Executive Officer

4
 INS 3

NAME OF THE COMPANY

Reserves & Net Owned Funds

1 Types of Reserves
Rs. in lakh
Amount outstanding as on the date of Purpose of creating reserve.
inspection
(a) General reserve
(b) Special Reserve
(c) Capital Reserve
(d) (specify)
(e) (specify)
(f) (specify)

2 Please indicate the amount [ Rs. in

lakh ] and percentage of that to net
profit transferred to various reserves
during last three financial years.

3 If Special Reserve is created under

Section 36(1)(viii) of the Income Tax
Act, 1961, please enclose the
working sheet of the amount
transferred to such Reserve during
the last audited year.
4. Please indicate whether in the last
three years any amount of from Special
Reserve was withdrawn If yes, please
give details as of
(a) date of,
(b) amount withdrawn,
(c) purpose for which drawn and
whether NHB permission was
obtained?
5 Please enclose the work sheet of
the Net Owned Funds as at the last
audited Balance Sheet in the format
enclosed.

1
 INS 3

Part A - Capital funds

Rs. in lakh
Item Name Item Amount as on date of inspection
Code* Rs.
Capital Funds – Tier I
(i) Paid up Equity Capital
(ii) Preference shares to be compulsorily 112
convertible into equity
(iii) Free reserves
a) General Reserves 113
b) Share Premium 114
c) Capital Reserves (representing surplus on sale of 115
assets)
d) Debenture Redemption Reserve 116
e) Capital Redemption Reserve 117
f) Credit Balance in P & L Account 118
g) Other free reserves (specify) 119
Total (111 to 119) 110
(iv) Accumulated loss 121
(v) Deferred Revenue Expenditure 122
(vi) Other intangible assets 123
Total (121 to 123) 120
(vii) Owned Funds (110-120) 130
(viii) Investment in shares of :
a) Subsidiaries 141
b) Companies in the same Group 142
c) Other HFCs 143
(ix) Book value of debentures, bonds, outstanding
loans and advances, bills purchased & discounted
(HP and lease) made to and deposits with
a) Subsidiaries 144+146
b) Companies in the same Group 145+147
(x) Total (141 to 147) 140
(xi) Amount of item 140 in excess of 10% of item 130 150
above
(xii) Tier I-Capital Net owned fund (130-150) 151
* Item code as reported in the half yearly statements

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 INS 3

Part ‘B’ - Names of Non-Financial and financial Companies, Firms and

Proprietary concerns in which the company, its directors, major
share-holders/employees are interested

Rs. in lakh
Name and address Maximum exposure during Exposure on the
the year reference date of
Rs. inspection*
Rs.
(1) (2) (3)
I. HFCs in the Group (other than
subsidiaries)
1)
2)
II. Subsidiary HFCs
1)
2)
III. Other subsidiaries
1)
2)
IV. Other companies not in the Group

1)
2)
V. Other companies not in Group/
firms/ proprietary concerns with
which the company had substantial
and/or frequent transactions.
1)
2)

* Please give exposures separately in respect of (a) investment in shares,

debentures, etc. (b) loans and advances (c) other financial facilities, and (d) non-
funded facilities such as guarantees, etc.

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 INS 3

Note :

“Exposure” includes loans and advances, ICDs, bills purchased/discounted, lease

and hire purchase finance extended, investments in shares, debentures/bonds,
commercial papers and off-Balance Sheet liabilities such as guarantees, underwriting
etc.

‘Substantial interest’ means holding of a beneficial interest by an individual or his

spouse or minor child, whether singly or taken together, in the paid up capital of the
company or total capital subscribed by all the partners of a partnership firm.

‘Major shareholders’ would mean any person, who together with his spouse and
minor children, hold 10 per cent or more of the equity in the company.

Date :
Managing Director / Chief Executive Officer

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 INS 4

NAME OF THE COMPANY:

Borrowings [other than Public Deposits]

[A] What is the borrowing power fixed by the General Body/ Board under Section 293(10(d) of the Companies Act, 1956
Enclose a copy of the Resolution.

[B] Furnish particulars of existing short term loans/ cash credit/ overdraft arrangements as on date of inspection
Rs. in lakh
Name Nature Maxi- How and Particu- Stipulated Particulars Rate of Value of Amount Whether bank
of the of mum when lars of margin of interest security and outstanding has negative
bank facility limit repaya- security percentage guarantee % drawing power as on date charge on
ble If any fixed/ other
assets
1 2 3 4 5 6 7 8 9 10 11

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 INS 4

[C] Particulars of Long term Loans as on date of inspection

Rs. in lakh
Name of Purpose Original Amount Rate of Amortisa- Security Date of Defaults, if Restrictive
the institu- of loan sanction outstand- interest tion charged & creation any, in covenants
tion from Date Amt. ing % schedule nature of of charge payment in the security in
whom charge of interest regard to
borrowed and/or dividend, raising
principal of loan, creation
of further
charge, etc.
1 2 3 4 5 6 7 8 9 10 11

(D) If funds have been raised through issue of (I) commercial papers (ii) inter-corporate deposits/loans (iii) convertible bonds (iv)
secured redeemable bonds/debentures (v) loans from or debentures issued to mutual funds (vi) optionally convertible
debentures/bonds and (vii) other sources if any, full particulars thereof as indicated at (B) & (C) above may be provided.
(E) Where refinance is availed from NHB, whether NOC has been furnished. If so details thereof may be provided. If NOC was not
required to be provided, the reason therefore may be may be furnished.

Date:
Managing Director / Chief Executive Officer

2
 INS 5

Name of the company :

A. Statement showing public deposit and exempted borrowings (as on the

date of the last three financial years).
Rs. in lakh
Year ended March
I II III
A. Public deposit including accrued
interest
Fixed deposits/Recurring Deposits
- From shareholders
(in the case of public
limited company)
- Non-Resident Indians
Unsecured /partly secured debentures
& bonds issued to Individuals & non-
corporates. 1
- Others (specify)
B Exempted borrowings.
(i) Domestic Sources.
- Borrowings from banks
- Borrowings from NHB
- Borrowings from financial
Institutions
- Commercial papers
- Inter-corporate deposits/loans
- Fully secured or convertible bonds
& debentures
- Borrowings from Central/State
Government/local authority

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 INS 5

- Deposits from shareholders (in the

case of private company)
- Deposit from Directors & their relatives.
- Unsecured loans from promoters in
pursuance of stipulations from
lending institutions
- Borrowings from mutual funds
- Others (specify)
- Hybrid debt / subordinated debt
(maturity of 60 months & above)
- Others (specify)
ii) Foreign sources 2
- External commercial borrowings
- Overseas Corporate Bodies
- Foreign nationals/Foreign
Governments
- Others (specify)
C. Amounts payable within one year from
the reference date of inspection
(i) Fixed deposits from public /
Recurring deposits from public
(ii) ICDs
(iii) Loans & debentures (all sources)
(iv) Commercial papers
(v) Others (specify)
D. Amount receivable within one year from
the reference date of inspection
(i) Recovery of loans and advances (including
Bills purchased and discounted, ICDs,
Investments in commercial papers/ short-term
Debentures) and interest/ discount thereon.
(ii) Lease receivables
(iii) Hire purchase receivables
(iv) Others (specify)

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 INS 5

(If there is considerable shortfall in D over C, please explain the mismatches in a separate
sheet indicating as to how the company proposes to meet it).

1. In the case of partly convertible unsecured bonds and debentures, the non-
convertible amount of the bonds/debentures subscribed by persons other
than banks, specified financial institutions and companies should be included
in the amount against ‘unsecured debentures and bonds’ under Part ‘A’.

2. Please give details of permission obtained from Reserve Bank / Government.

(cont’d in the next page)

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 INS 5

B. 1. Composition of deposits
Rs. in lakh.

Year I Year II Year III

Mobilised Outstanding as Mobilised Outstanding as Mobilised Outstanding as
st st
Type of deposit during the year on 31 March during the year on 31 March during the year on 31st March
No. of Amt. No. of Amt. No. of Amt. No. of Amt. No. of Amt. No. of Amt.
acts. Rs. acts. Rs. acts. Rs. acts. Rs. acts. Rs. acts. Rs.
1 2 3 4 5 6 7 8 9 10 11 12 13
Regulated
Non-regulated
Total

2.Scheme-wise regulated [Public] deposits

Rs. in lakh.
Year I Year II Year III
Mobilised during Outstanding as Mobilised during Outstanding as Mobilised during Outstanding as
st st
Type of deposit the year on 31 March the year on 31 March the year on 31st March
No. of Amt. No. of Amt. No. of Amt. No. of Amt. No. of Amt. No. of Amt.
acts. Rs. acts. Rs. acts. Rs. acts. Rs. acts. Rs. acts. Rs.
1 2 3 4 5 6 7 8 9 10 11 12 13
1)
2)
3)
Total

4
 INS 5

3 Maturity – Profile of deposits for the last three financial years]

[Rs. in lakh]
Type of deposit Year I Year II Year III
Regulated Acts. Rs. Acts. Rs. Acts. Rs.
0-1 year
1-2 years
2-3 years
3-4 years
4 -5 years
5 -6 years
6 -7 years
Sub-Total
Non-regulated
0-1 year
1-2 years
2-3 years
3-4 years
4 -5 years
5-6 years
6-7 years
More than 7 years
Sub-Total
Grand total

4 Interest rate-wise profile of deposits for the last three financial years.
Rs. in lakh
Type of deposit Year I Year II Year III
Acts. Amt. Rs. Acts. Amt. Rs. Acts. Amt. Rs.
Regulated
%
%
Non-Regulated
%
%
%
Total

5 Rate of brokerage, etc. paid for deposits

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 INS 5

(a) For a period of 12 months

(b) For a period exceeding 12 months but not exceeding 24 months
(c) For a period exceeding 24 months
(d) Conveyance, incentive etc. paid.

6 Amount of brokerage, etc. paid during last three financial years.

Rs. in lakh
Year I Year II Year III
Deposits Brokerage Deposits Brokerage Deposits Brokerage
mobilised paid mobilised paid mobilised paid
1 2 3 4 5 6

7A. Extent of overdue deposits, during last three financial years and the
reasons therefore.
Rs. in lakh
Year I Year II Year III
Total Overdue Total Overdue Total Overdue
deposits deposits deposits deposits deposits deposits
1 2 3 4 5 6

7B. Reasons for over-dues indicated above.

8. Non-Resident Indian [NRI] deposits.

(a) RBI permission for acceptance of such deposits (where required).

[Quote reference number and date of the letter and enclosure a copy
thereof].
(b) The deposits outstanding as on date
(c) Enclosure the scheme brochure

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 INS 5

9. Details of Inter-corporate deposits accepted during last three financial

years.
Date Institution Rs. in lakh Rate of Term of Original
interest deposit maturity
date
1 2 3 4 5 6

Date/s of roll over Rate of Maturity Paid on Balance

interest date/s (Rs. in
lakh)
7 8 9 10 11

10. Details of Bonds / Debentures issued during last three financial years

Type of Amount Term Rate of Maturity Outstanding Date on

Bond/ Interest date beyond which
Debenture* maturity NHB was
kept
informed
1 2 3 4 5 6 7

*If the issue has been secured by any charge to the asset, please give details for each
issue.

11. Mode of mobilization of deposits

(a) If through advertisement, enclose latest copies of advertisements issued to

the press [vernacular and English]
(b) If brokers are engaged, indicate the system of engaging brokers.
(c) Enclose specimen of application forms, brochures / pamphlets etc. and
other relative forms introduced for deposit mobilisation.

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 INS 5

12. Maintenance of Deposit accounts

(a) Whether maintenance of Deposit accounts is centralized at corporate
office or decentralized?
(b) If decentralized, indicate whether ROC has been kept informed
underSection 209 of the Companies Act, 1956?
(c) If a Deposit Manual is in use, please enclose a copy.

13. Credit Rating

(a) If Credit Rating has been obtained, give details as under -
Rated Instrument Rating Date of Rating Valid up to Borrowing
Agency Rating Assigned limit specified
in rating
1 2 3 4 5 6

(b) Enclose a copy of the Credit Agency's latest letter rating the deposits.
(c) If the rating for the deposits has not been obtained, indicate -
(i) Net-worth as at last audited Balance Sheet - Rs. lakh
(ii) Deposits mobilised - Rs. lakh
(iii) If deposits exceed the prescribed limit, indicate steps taken as remedial
measure.
14 Maintenance of Statutory Liquid Assets [SLA]
(a) Indicate the system of maintaining the SLA on a daily basis.
(b) Indicate the types of securities maintained under paragraph 11(1)(a) and
(b) of the Housing Finance Companies [NHB] Directions, 2001 and their
details thereof.
(c) Indicate the name/s of the scheduled commercial bank with which the
securities indicated in Paragraph 11(1)(a) of the Directions entrusted for
safe custody [vide paragraph 11a of Directions, ibid].
(d) Indicate if SLA are maintained in physical form or demat form.
(e) Indicate the name and address of the depository service provider, if SLA
are maintained in demat form.
(f) Indicate whether at any point of time investment under Paragraph 11(1)(b)
was withdrawn during last three years? If so, details thereof with the
purpose.

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 INS 5

15 Details of amount of public deposits claimed but yet to be paid (as on the latest
date possible).
No. of Amount of deposits claimed Reasons for delay in
accounts Principal Rs. Interest Rs. payment.

Date:

Managing Director/ Chief Executive Officer

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 INS 6

Name of the company:

Statement showing compliance of Company Law Board/ Consumer

Courts/Other Courts orders etc. (if any) where there was /is delay/default in
repayment of public deposits.

Sr. Reference Orders passed Nature of Total Aamount Compliance

No. No. by Authority order involved Rs. Amount Rs.
1 2 3 4 5 5
1
2
3

:
Date:
Managing Director/Chief Executive Officer

@ Where no such orders were passed by CLB/Court, ‘Nil’ statement to be

furnished.
* Copies of affidavits furnished to the regulatory authorities may be kept ready
for verification.

1
 INS 7

NAME OF THE COMPANY:

Statement of non-fund based activities
(Rs.in lakh)
Year I Year II Year III
I. Guarantees
(a) Guarantees issued during the financial year
(b) Income earned
(c) Guarantees invoked
(d) Amount paid under ( c )
(e) Particulars of claims pending in respect of
invoked guarantees(details to be furnished as
Annexure)
(f) Guarantees outstanding at the end of the
year.
II. Issue Management (SEBI Registration
No………valid upto……….)
(a) No, of issues lead managed
(b) No. of issues managed other than as lead
manager
( c) Total business handled
(d) Income from issue management.
III Underwriting (SEBI Registration
No……..valid upto………)
(a) No. of issues underwritten
(b) Total amount
(c ) Amount devolved
(d) Particulars of devolvements (details to be
furnished as Annexure)
IV Portfolio Management
(SEBI Registration No……valid upto…..
(a) Total amount raised under portfolio
management
(b) Amount invested
(c) Number of contracts
(d) Average portfolio value
(e) Fee received – attach literature of the

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 INS 7

scheme.
V Lease /hire purchase syndicated
(a) Total amount
(b) Fee received
VI Loans/ICDs syndicated
(a) Total amount
(b) Fee received
VII Bills brokered
(a) Volume
(b) Fee/Commission received
VIII Property related services.
a) Volume
b) Fee received
IX Insurance business mobilised.
a) Volume
b) Fee received
X Other fee based activities (specify)
(a) Volume
(b) Fee received

Date:

Managing Director/Chief Executive Officer

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 INS 8

NAME OF THE COMPANY:

Investments
A. 1 Investment Policy

Please furnish a copy of the up-to date Investment

Policy together with changes made since inception/
last inspection which ever is later.

2 Operations
Please furnish a copy of the guidelines framed for
investment operations, interalia, indicating -
(a) Procedure for sale/ purchase of investment -
direct or through broker or broker firm.
(b) Manner in which the broker or brokers firm is
engaged.
(c) Who authorizes the investment or
divestment transaction?
(d) Who strikes the deal?
(e) Any authority delegated for booking loss on
sale?
(f) Any system of periodic ratification of the
investment transactions by Higher
Authority/Board?
3 Trading in investments
(a) Please indicate whether policy permits trading
in investment. If yes, please furnish the relevant
clause of the policy as also of the MOA
(b) If trading is a regular business, please
furnish the annual turnover in investment during
last three financial years
(c) Please furnish the income generated
on trading activity in investment during
last three financial years.
4 Prudential Norms on Investment
(a) Furnish the policy followed on
valuation of investments.
(b) Furnish the details of provisions made
for investments during last three financial years.

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 INS 8

(c) Furnish copies of half-yearly returns

shed to NHB on prudential
Norms for the last two half-years.
5 Overall position of investment as on March 31
during last three financial years.

(Amount Rs. in lakhs)

Item PARTICULARS Item Amount
No. Code
1 2 3 4
1. Investment in shares of
(a) Subsidiaries
(b) Companies in the same group
(c) Other housing finance institutions which are
companies.
2. Investment in debentures, bonds and commercial papers of
(a) Subsidiaries
(b) Companies in the same group
3. Investments in shares of and debenture/bonds and commercial
papers issued by companies and contribution to the capital of
firms and proprietary concerns where directors of the company
hold substantial interest (Details to be furnished in separate
Annexure).
4. Shares, debentures/bonds and commercial papers of other
companies
5. Other investments
(i) Fixed deposits with banks/certificates of deposits
issued by banks
(ii) Deposits in any other deposit account with banks
(iii) Securities of central/state governments and bonds
guaranteed by central/state governments
(iv) Units of Unit Trust of India
(v) Others ( Please furnish a list showing book value
and market value)
6. Total ]

Note: Details of shares and debentures whether held in investment account or

by way of stock-in-trade should be included and shown separately in this
statement

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 INS 8

6 Furnish details of cost, market value, provision required and provision made
as on the date of inspection in the proforma as below
I.Current SLR Securities.
(a) SLR Investments (Quoted)
Rs.in lakh
Description Face Cost Market Provision Provision
Value Value required made
(Rs.) (Rs.) (Rs.) (Rs.) (Rs.)
(1) (2) (3) (4) (5) (6)
1)
2)
3)

(b) SLR Securities (Unquoted).

Rs. in lakh
Description Face value Carrying cost
(Rs.) (Rs.)
(1) (2) (3)
1)
2)
3)

II. Long-term SLR Investments (Quoted)

Rs. in lakh
Description Face Cost If there is a decline in
Value market value, other
than temporary,
amount of provision
made. If no provision
Rs. Rs. has been made
reasons.
(1) (2) (3) (4)
1)
2)
3)

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 INS 8

III. NON-SLR CURRENT INVESTMENTS (QUOTED).

(a) Equity shares (quoted)

Rs. in lakh
Name of Whether a Whether a company No. of % of total Cost Market Last dividend Provision Provision
the subsidiary in which any shares equity of per value per received required made
company or same director, major held the share share as Year Rate to be
group share-holder or investee on 31st made
company or employee of the company March
another company holds (date of
HFC substantial interest, inspec-
if so, his name. tion)
%
Amt. Rs. Rs.
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)
1)
2)
3)

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 INS 8

(b) Preference shares (quoted)

Rs. in lakh
Name of the Whether a Whether a company No. of Cost per Market Last dividend Provision Provision
company subsidiary in which any shares share value per received required to made
or same director, major held Amt. share Year Rate be made Rs.
group share-holder or Amt. % Rs.
company or employee of the
another company holds
HFC substantial interest,
if so, his name.
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1)
2)
3)

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 INS 8

(c) Debentures and bonds (quoted

Rs.in lakh
Name of the Whether a Whether a No. of Rate Cost per Market Whether Provision Provision
company subsidiary company in Deben- of Deben- value per stipulated required made
or same which any tures/ Return ture/ Deben- Interest/ to be Rs.
group director, Bonds % Bond ture/ Principal is made
company major share- held Amt. Bond being Rs.
or another holder or Amt. received, if
HFC employee of not, amount
the company of interest/
holds principal not
substantial received
interest, if so,
his name.

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1)
2)
3)

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 INS 8

(d) Units of Mutual Funds (quoted)

Rs. in lakh
Name of the Name of No. of No. of Face Cost If regular Provision Provision
Mutual Fund the units held Debentures/ value per unit income required made
Scheme Bonds held per unit Amt. scheme, to be Rs.
Amt. % of made
dividend Rs.
received
(1) (2) (3) (4) (5) (6) (7) (8) (9)
1)
2)
3)

(e) Other current Investments (quoted and unquoted)

(Specify the name of the investee company, whether a subsidiary or in the same group or another HFC, whether any director, major shareholder
of the company or employee of the company holds substantial interest in the investee company, types of securities, number of units of each
security held, cost per unit of each security market value per unit of each security, provision required to be made and the provision actually
made).

7
 INS 8

IV. UNQUOTED NON-SLR INVESTMENTS.

(a) Equity shares. Rs. in lakh
Name of Whether a Whether a No. of % of total Cost Break Fair Last dividend Provision Provision
the subsidiary company in shares equity of per up value received required made
company or same which any held the share value per Year Rate to be Rs.
group director, investee Amt. per share % made
company major share- company share Amt. Rs.
or another holder or Amt.
HFC employee of
the company
holds
substantial
interest, if so,
his name.
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
1)
2)
3)

8
 INS 8

(b) Preference shares.

Rs. in lakh
Name of Whether a Whether a company in No. of Fair value per Cost Last dividend Provision Provision
the subsidiary or which any director, shares share per received. required to made
company same group major shareholder or held Amt. share Year Rate be made Amt.
company or employee of the Amt. % Amt.
another HFC company holds
substantial interest, if
so, his name.
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

1)

2)

3)

(c) Units of Mutual Funds

Rs. in lakh
Name of Name of No. of Face Cost NAV If a regular income Provision Provision
the the units held value per per unit per unit scheme, % of required to made
Mutual Scheme unit dividend received be made
Fund Rs. Rs.
(1) (2) (3) (4) (5) (6) (7) (8) (9)
1)
2)

9
 INS 8

(V) NON-SLR LONG TERM INVESTMENTS.

(a) Equity shares. Rs. in lakh
Name of Whether a Whether a No. of % of total Cost Market Last dividend If there is a
the subsidiary company in shares held equity of per value received decline in
company or same which any the share per Year Rate market value,
group director, major investee Rs. share other than
%
company or share-holder or company Rs. temporary
another employee of the amount of
HFC company holds provision made,
substantial if no, provision
interest, if so, made, furnish
his name. reasons.
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1)
2)
3)

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 INS 8

(b) Preference shares

Rs. in laklh
Name of Whether a Whether a No. of Cost per Market Last dividend If there is a
the subsidiary company in which shares share value per received decline in market
company or same any director, major held share Year Rate value, other than
group shareholder or temporary,
company or employee of the amount of
another company holds provision made,
HFC substantial interest, if no provision
if so, his name. made, furnish
reason.
(1) (2) (3) (4) (5) (6) (7) (8) (9)
1)
2)
3)

11
 INS 8

(c) Debentures and bonds.

Rs. in lakh
Name of Whether a Whether a No. of Rate of Cost per Market Whether If there is a decline in
the subsidiary company in Deben- Return Debenture / value per stipulated market value, other
company or same which any tures/ % bond debenture / Interest/ than temporary,
group director, Bonds bond Principal is being amount of provision
company major held received, if not, made, if no provision
or another shareholder amount of made, furnish reason
HFC or employee interest/ principal
of the not received.
company
holds
substantial
interest, if so,
his name.
(1) (2) (3) (4) (5) (6) (7) (8) (9)
1)
2)
3)

12
 INS 8

(d) Units of Mutual Funds

Rs. in lakh
Name of Name of the No. of Face Cost per Market NAV per If a regular If there is a decline in
the Mutual Scheme units value unit value per unit income scheme, market value, other than
Fund held per unit Amt. unit Amt. % of dividend temporary, amount of
Amt. Amt. received provision made, if no
provision made, furnish
reason
(1) (2) (3) (4) (5) (6) (7) (8) (9)
1)
2)
3)

(e)Other long-term investments (quoted and unquoted)

(Specify the name of the investee company, whether in a subsidiary or in the same group or another HFC, whether any director, major
shareholder or employee of the company holds substantial interest in the investee company, types of securities, number of each security held,
cost per unit of each security, market value per unit of each security if quoted, provision, if any, made if there is a decline in the value of the
security, other than temporary – if no such provision has been made, reasons to be furnished).

13
 INS 8

VI. COMMERCIAL PAPERS (CPs.)

Rs. in lakh
Name of the Whether a subsidiary Whether a company in which any director, major Nominal value of Carrying cost.
company or same group shareholder or employee of the company holds CP held Rs.
company or another substantial interest, if so, his name. Rs.
HFC
(1) (2) (3) (4) (5)
1)
2)
3)

Note: (1) ‘Provision required’, ‘break-up value’ and ‘carrying cost’ mentioned in one of the columns of this statement have reference to
paragraph 22 of the HFC (NHB) Directions 2001.
(2) ‘Major shareholder’ would mean any person who, together with his spouse and minor children, holds 10 per cent or more of the
equity in the company.
(3) ‘Substantial interest’ in the case of a company or a partnership means holding of a beneficial interest by an individual or his spouse or
minor child, whether singly or taken together, in the shares of a company, the amount paid up on which exceeds 10 per cent of the paid up capital of
the company or total capital of the company or total capital subscribed by all the partners of a partnership firm.
(4) If the decline in market value is for more than 2 years under long term investments, the details may be separately furnished, together with
particulars of provision, if any, made.
Date :
Managing Director/Chief Executive Officer

14
 INS 9

NAME OF THE COMPANY:

Lending Policy

1. Policy

Please give details of Lending Policy specifically on the following activities and
any other activity not covered, interalia, highlighting the following in each case
Purpose for lending
Quantum
Margin allowed
Rate of interest applied
Method of interest applied
Types of security accepted including personal guarantee, etc.
Type of Amortization prescribed
Front-end charges
Commitment charges
Prepayment charges
Sanctioning authority
Enclose Board note/ approval of the policy

[A] Housing Finance

Individual housing finance
Builder/ Project housing finance
Corporate housing finance

[B] Mortgage Finance

[C] Lease Finance

[D] Consumer Finance

[E] Bill Finance [Bill-rediscounting]

[F] Inter-corporate Deposits

2 Appraisal Guidelines
(a) Please enclose technical, legal and financial appraisal guidelines issued for

1
 INS 9

all types of lending.

(b) Indicate whether the appraisal system is computerized. If so, a note on the
system followed may be given

3 Extension of housing loans to Non-Resident Indians.

Furnish details of policy covering aspects as detailed at [1] above, extent of
loans so far granted, amount outstanding, delinqencies (if any) ,etc.

Date:
:
Managing Director/ Chief Executive Officer

2
 INS 10

NAME OF THE COMPANY:

Particulars of loans and advances outstanding

1. Overall position as at the end of last three financial years

Item PARTICULARS Year 1 Year 2 Year 3
No.
1 2 3 4 5
1. Housing Loans
(i) Individuals
(ii) Corporate Bodies
(a) Companies in the same group
(b) Companies, firms and proprietary concerns
where directors of the company hold
substantial interest
(c) Other Corporate Bodies
Others(to be specified)
(iii) Total housing loans [1 (I) to (iii)]
2. Other loans & advances
(i) Companies in the same group
(ii) Companies not in the same group
(iii) Directors
(iv) Shareholders
(v) Chief Executive officer and other employees
(vi) Purchasing, selling and other agents
(vii) Depositors
(viii) Others
Total [2 (i) to (viii)]
Grand Total

a] Sundry debtors, tax paid in advance and other recoverable items not in the nature
of loans and advances should not be shown in this statement.
b] Deposits with other companies should be included under item 1 or item 2(a), as
the case may be.

1
 INS 10

2. Housing loans during the last three financial years

Rs. in lakh
Type of Year I Year II Year III
borrower Sanctioned Disbursed Outstanding Sanctioned Disbursed Outstanding Sanctioned Disbursed Outstanding
No. of Amt No. of Amt. No. of Amt. No. of Amt. No. of Amt. No. of Amt No. of Amt No. of Amt. No. of Amt.
accts. accts. accts. accts. accts. accts. accts. accts accts
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19
Individual
NRI
Builder/
Project
Corporate
Others

2
 INS 10

3.Rural and Urban Individual Housing loans including NRI during the last three financial years
Rs. in lakh
Type of Year I Year II Year III
borrower Sanctioned Disbursed Outstanding Sanctioned Disbursed Outstanding Sanctioned Disbursed Outstanding
No. of Amt No. of Amt. No. of Amt. No. of Amt. No. of Amt. No. of Amt No. of Amt No. of Amt. No. of Amt.
accts. accts. accts. accts. accts. accts. accts. accts accts
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19
New dwell-
ing units
- Rural
- Urban
Old dwell-
ing units
- Rural
- Urban
Up
gradation/
Repairs
- Rural
- Urban

Total

3
 INS 10

4. Loan-size-wise Individual Housing Loans, including NRI during last three

financial years

Rs. in lakh
Type of borrower Year I Year II Year III
Accounts Amount Accounts Amount Accounts Amount
Rs. Rs. Rs.
Up to Rs.50000
Rs.50001 to
100000
Rs.100001 to
200000
Rs.200001 to
300000
Rs.300001 to
500000
Rs.500001 to
1000000
Rs.1000001 to
1500000
Total

4
 INS 10

5. Builder/ Project Loans during last three financial years

Rs. in lakh
Sr. Builder/ Project Cost Loan Date of LCR Term Rate of Security Security Dates of Amount Amount Over Classi-
No agency name & sanc- interest docu- disburse- dis- out- due, if fication
location tion ments ment bursed standing any as NPA
obtained
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

6. Corporate Loans - [During last three financial years]

Rs. in lakh
Sr. Name Purpose/ Cost Loan Date of LCR Term Rate of Security Security Dates of Amount Amount Over Classi-
No Project sanc- interest docu- disburse- dis- out- due, if fication
location [Rs.] [Rs.] tion ments ment bursed standing any as NPA
obtained [Rs.] [Rs.]
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

7. Mortgage Loans - [During last three financial years]

Rs. in lakh
Sr. Name Purpose Cost of Loan Date of LCR Term Rate Security Security Dates of Amount Amount Over Classi-
No property sanction of docu- disburse- dis- out- due, if fication
mort- interest ments ment bursed standing any as NPA
gaged [Rs.] obtained [Rs.] [Rs.]

5
 INS 10

[Rs.]
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

8. Lease Finance - [During last three financial years]

Rs.. in lakh
Sr. Party's name & Gross lease Term of lease Security Net exposure to Lease Lease rentals Classification
No address amount deposit lease asset Rentals over due as NPA
1 2 3 4 5 6 6 7 8

9. Consumer Finance - [During last three financial years]

Rs. in lakh
Type of Year I Year II Year III
borrower Sanctioned Disbursed Outstanding Sanctioned Disbursed Outstanding Sanctioned Disbursed Outstanding
No. of Amt No. of Amt. No. of Amt. No. of Amt. No. of Amt. No. of Amt No. of Amt No. of Amt. No. of Amt.
accts. accts. accts. accts. accts. accts. accts. accts accts
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19
Individual
NRI
Builder/

6
 INS 10

Project
Corporate
Others

10. Bill- Rediscounting - [During last three financial years]

Rs. in lakh
Date Bill Bill Amount Discount Discounted Due Date/s Rate of Maturity Paid on Balance Over Classi-
drawn discounted of bill Rate amount date of roll interest date/s due, fication
by by over if any as NPA
1 2 3 4 5 6 7 8 9 10 11 12 13 14

11. Inter-Corporate Deposits placed [During last three financial years]

Rs. in lakh
Date Name of the Amount Rate of Term of Maturity Date/s of Rate of Maturity Paid on Balance Over due, Classi-
Institution/ Rs. interest deposit date roll over interest date/s if any fication
company/ % % as NPA
others
1 2 3 4 5 6 7 8 9 10 11 12 13

7
 INS 10

12. Loan Recovery Performance for last three years

Furnish recovery performance in respect of each activity separately -

(a) Individual Housing Loan
(b) Builder/ Project Loan
(c) Corporate Loan
(d) Mortgage Loan
(e) Lease Finance
(f) Consumer Finance
(g) Bills Rediscounting
(h) Inter-Corporate Deposits
Rs. in lakh
Age-wise overdue to Year I Year II Year III
demand
Account Amount Account Amount Account Amount
A Demand
Overdues
B Percentage of overdues
to demand
Overdue above 3
months and upto 6
monghs
Overdue above 6
months and
upto 12 months.
Overdues above 12
months
Above 12 months
C Overdues above 3
months
Percentage of overdues
for above 3 months to
total demand
Note: Apply the "over dues*/ past due" norm for term loans, lease finance, Bills purchased
and other facilities, as per NHB Guidelines.

8
 INS 10

13. Furnish the policy for settlement of dues or out of court settlement and the amounts
so settled during last 3 financial years in respect of each activity enumerated at 12 above.

Note: (i) Demand constitute current demand (from preceding 12 months) and demand on
arrears as on date. Collection should Include all credit exposure due during the 12 months of
the financial year and collection against overdue demand. The pre-closure/advance
payment/full closure should not be included under normal collection to determine overdues.

Date:

Managing Director/ Chief Executive Officer

9
 INS 11

NAME OF THE COMPANY:

Statement showing credit exposures (including all loans and advances, inter-corporate deposits/loans, bills purchased/ discounted,
lease and hire purchase finance extended, investments, in debentures, bonds and commercial papers) and off-balance sheet
liabilities such as guarantees underwriting etc. exceeding Rs.25/- lakhs in case of individual parties and Rs.100/- lakhs in case of
group of parties.@

I. Individual parties.
Rs. in lakh.
Name of the Whether Whether any Nature of credit Nature and Nature of Whether If answer to Col.7 is
Party belongs to the director, major exposures, date value of documents interest, any “yes” the amount of
same shareholder or of original security, taken installments or provision made
group as the any employee disbursement if any. and whether principal has/ against the amount
company. of the company amount disbursed they are have become due from the parties
holds substantial and outstanding current overdue; if so, including those
interest in the balance as on since when and in Sundry Debtors/
party financed; if the date of the amount suspense A/c.
so, his name inspection. thereof.
1 2 3 4 5 6 7 8
1)
2)
3)

@ In case of companies having assets more than Rs.500 crores, the cut off points for individual parties will be Rs.50 lakhs and Rs.500 lakhs in case of
group parties.

1
 INS 11

II. Group of parties

Rs. in lakh
Name of the Name of the Whether belong Whether any Nature of credit Nature Nature of Whether interest, If answer to Col.7
group group parties to the same director, major exposures, date and documents any installments is ‘Yes’, the amount
group as the shareholder or of original value of taken or principal has/ of amount of
company. any employee disbursement security, and whether have become provision
of the company amount if any, they are overdue; if so, made against the
holds disbursed current since when and amount due
substantial and outstanding the amount from the party
interest in the balance as on thereof. including those
party financed; the date of in Sundry Debtors/
if so, his name inspection. suspense A/c.
1 2 3 4 5 6 7 8 9
1
2
3

2
 INS 11

III. Enclose in the following form a list of other parties below the above cut-off point from whom interest, installments
and principal have been 'past due' for more than six months (overdue for twelve months in the cases of hire
purchase and equipment leasing exposures):
Rs. in lakh
Name of Whether a subsidiary/group Nature of Aggregate Past due Classification Provision
the company or credit/ amount due amount of assets made
party a company, firm or proprietary exposure
concern in which any director,
employee or major shareholder of
the company holds substantial
interest, if so, name of the director,
employee or major shareholder
1 2 3 4 5 6 7

3
 INS 11

1.'Major shareholder' would mean any person who, together with his spouse or minor children, holds 10 per cent or
more of the equity of the company.
2. Substantial interest' in the case of a company or a partnership firm means holding of a beneficial interest by an
individual or his spouse or minor child, whether single or taken together, in the shares of the company the amount
paid up on which exceeds 10 per cent of the paid up capital of the company or total capital subscribed by all the
partners of a partnership firm.

Date
Managing Director/Chief Executive

4
 INS 12

Name of the company

Top 20 Borrowers Exposure Analysis
Name of Loans & Advances Lease HP Investment Off balance
the Unsecured Secured Debt/Equity/ sheet Exposure
borrower Short Term Inter Medium Long Against any other Hybrid
Loan corporate Term term collateral/
deposits Loans loans guarantee etc.
(specify)
1 2 3 4 5 6 7 8 9 10
(1)
(2)
(3)
etc.

Date :
Managing Director/Chief Executive

1
 INS 13

Name of the company

Suit filed accounts – status@

Rs. in lakh
Portfolio Number of Amount Current status Remarks
Cases Involved Security/margin
Rs. money held
(aggregate) Rs.
Loans & Advances
A. Unsecured.
a) Short Term
b) Inter-corporate
deposits/loans
c) Medium Term
d) Long Term
B Secured.
a) Individual(Housing)
b) Builders
c) Corporate
d) Others - against
property
e) HP
f) Others

@
Borrower-wise details may be provided under the respective heads apart from
summary as indicated above..

Date:
Managing Director/ Chief Executive Officer

1
 INS 14

Name of the company

Migration Analysis

Sr.No. Borrower's Year Opening position Migration Remarks

name ended STD SS DA LA STD SS DA LA

STD : Standard SS : Sub-standard DA : Doubtful assets LA : Loss assets

Note : Migration Analysis may be provided for the last three financial years.

Date :
Managing Director/Chief executive Officer

1
 INS 15

NAME OF THE COMPANY:

Statement showing credit exposures or other assets or any claim written off during the last three financial years
ended 31st March_________(date of Inspection)

Second preceding year (eg. 2001-2002)

Rs. in lakh.
Name of Whether any director, employee or major Nature of Reason for Name of the Whether the write off was
the shareholder of the company held substantial credit/claim writing off. company approved by the Board of
company interest in the party, if so, the name of the written off Directors/its Committee, if
director, employee or major shareholder. so, date of resolution
1 2 3 4 5 6
II. Preceding year (eg. 2002-2003)
1 2 3 4 5 6
III. Current year (eg. 2003-2004)
1 2 3 4 5 6
1. 'Major shareholder' would mean any person who, together his spouse and minor children, holds 10 percent or more of the
equity in the company.
2. 'Substantial interest' in the case of a company or a partnership firm means holding of a beneficial interest by an individual or
his spouse or minor child, whether single or taken together, in the shares of the company the amount paid up on which
exceeds 10 per cent of the paid up capital of the company or total capital subscribed by all the partners of a partnership firm.
Date:

Managing Director/Chief Executive Officer

1
 INS 16

NAME OF THE COMPANY:

Prudential Norms

1. Income Recognition & Accounting Standards

(a) Furnish a copy of the company's policy.

(b) Furnish data on recognition of income:

Rs.in lakh
Loan Unrealised interest income wrongly recognised on Amount & date
Category accrual basis. of reversal
Year I Year II Year III Total
Housing -
Individual
Builder
Corporate
Sub-total
Mortgage
Lease
Consumer
Bills
ICDs
Others if any
Sub-total
Total

1
 INS 16

2. Asset classification & Provisioning

(a) Position of Loan classification for the last two financial years
[Amount Rs. in lakh]
Standard Sub-standard Doubtful Loss Total
Category Year I Year II Year I Year Year I Year Year I Year Year I Year
II II II II
Housing -
Individual
Builder
Corporate
Sub-total
Mortgage
Lease
Consumer
Bills
Others
Sub-total
Total
Percentage to
total loans

2
 INS 16

(b) Position of Provision for Non-performing loans granted to individuals, as on

the date of inspection, ie. 31 March____.
Rs. in lakh
Loan classifi- Amount outstanding as on Provision Provision Provision
cation March 31, 200 required as made required to be
Principal Interest Total per norms made
Standard
Sub- standard
Doubtful
Loss
Total

(c) Position of Provision for Non-performing loans granted to Builders/

Projects / Mortgage [separately], as on the date of inspection, ie. 31
March_200____.
Rs. in lakh
Loan Gross amount outstanding as on Provision Provision Balance
classifi- March 31, 200 required as made Provision
cation Principal Interest Total Of which per norms required to
Govt. be made
guarantee
Standard
Sub-
standard
Doubtful
Loss
Total

3
 INS 16

(d) Position of Provision for Non-performing loans granted to Corporates,as

on the date of inspection, ie. 31 March_200_______.
Rs. in lakh

Loan classifi- Gross amount outstanding as Provision Provision Provision

st
cation on 31 March 200 required made required to
Principal Interest Total as per be made
norms
Standard
Sub- standard
Doubtful
Loss
Total

(e) Position of Provision for Non-performing lease finance asset, as on

the date of inspection.
Rs. in lakh

Name of Lease Lease Total Income Income Provision Provision Status

the amount rental lease recognised recog- required made
company rental up to date nised
outstand- wrongly
ing
1 2 3 4 5 6 7 8 9

4
 INS 16

(f) Position of Provision for Non-performing consumer loans, as on the

date of inspection.
Rs. in lakh
Loan classifi- Gross amount outstanding Provision Provision Provision
cation Principal Interest Total required as made required to
per norms be made
Standard
Sub- standard
Doubtful
Loss
Total

(g) Position of Provision for Non-performing Bills Rediscounted, as on

the date of inspection.
Rs. in lakh
Rediscounted Drawee Date Amount outstanding Provision Status
for Bill Maturity Principal Interest held
1 2 3 4 5 6 7 8

Net Non-Performing Assets

Rs. in lakh
Housing loans Govt. ICD/ Total
Particulars Individual Builder Corporate guaranteed Leasing,
loans Bills,
etc.
(1) Total principal
outstanding (A).
(2) Amount of NPA.
(3) Less Provisions as
per books.
(4) Net NPA.

(5) Cumulative interest

wrongly credited to
P & L Account on
account of NPA

5
 INS 16

Housing loans Govt. ICD/ Total

Particulars Individual Builder Corporate guaranteed Leasing,
loans Bills,
etc.
(6) Amount reversed (out
of 5).
(7) Amount not reversed
(5 - 6).
(8) Total Net NPA (4+7).
(9) 8 as percentage of 1.

Includes interest recognised and instalment fallen due besides amounts outstanding but
not fallen due (included under any account head).
4 Capital Adequacy Ratio [CAR]

Please attach copy of the last half-yearly return submitted to NHB on prudential
norms.

Concentration of Credit / Investment

(a) Please furnish details separately of credit extended to or investments made

with any party in excess of prescribed norms.

(b) Please furnish whether any loan has been granted against the shares of
the company. If yes, please furnish details, viz. name of the party, date of
loan sanctioned amount disbursed, term of loan, rate of interest and the
present status of the loan.

Date:
:
Managing Director/ Chief Executive Officer

6
 INS 17

NAME OF THE COMPANY

Books of Account

1 Accounting Policy
Furnish an updated copy of the "Accounting Policy".

Branch Accounting system

2 Enclose a note on branch accounting system, if the same is not covered in the
"Accounting Policy".

3 Annual Profit & Loss Account & Balance Sheet

Enclose a copy each of the Annual Balance Sheet for last three financial years.

4 Sub-groupings of the Balance Sheet

Enclose sub-groupings of the Balance Sheet for the last audited Balance Sheet.

5 Trial Balance
Enclose Trail Balance as at the last audited Balance Sheet and the latest date,
available during the current accounting year.

6 Bank Accounts
Enclose the banking arrangements at the Head/ Corporate Office and branches
indicating, interalia,
(a) Number of accounts maintained,
(b) Purpose thereof,
(c) Operations arrangement [funding of accounts, signing of cheques. etc.]
(d) Monitoring the daily balances
(e) Manner in which excess balances are utilised, etc.

7 Reconciliation
Enclose the latest position of reconciliation of all -
Inter-office/ branch accounts
Bank Account / s
- at the Head/ Corporate Office and branches.

8 Furnish the limits prescribed for "overnight cash holding" at the Head/
Corporate Office and branches.

9 Insurance

1
 INS 17

10 Computerisation
Furnish note on use of Information Technology in the company including extent
of computerisation, net working; nature of hard wares/soft wares in use; security
concerns addressed; EDP audit etc., details of computerised system, if already
in place. In case it is proposed for adoption, then please furnish details thereof,
indicating therein the inter-linkinging of branch accounts, etc.

Date:
:
Managing Director/ Chief Executive Officer

2
 INS 18

NAME OF THE COMPANY:

Statement of liabilities and assets for the last three financial years.
Rs. in lakh
Year I Year II Year III
31 March__ 31 March__ 31 March__
LIABILITIES
1. Owned Funds
1.1. Capital:
1.1.1. Equity Capital
1.1.2. Preference shares(fully convertible
into equity)
1.2. Free Reserves:
1.2.1 General Reserves
1.2.2. Special Reserves
1.2.3. Reserve Fund
1.2.4. Share Premium
1.2.5. Capital reserves (representing
surplus on sale of assets held
in separate account).
1.2.6. Capital redemption reserve
1.2.7. Debenture redemption reserve
1.2.8. Credit balance in Profit & Loss
account
1.2.9. Other free reserves (specify)
Sub-total (1.1 + 1.2)
1.3 Less: Intangible assets
1.3.1. Accumulated balance of loss
1.3.2. Deferred revenue expenses
2.1. Preference Capital (redeemable)
2.2. Revaluation reserves
2.3. General provisions and loss reserves
2.4. Fully convertible debentures/bonds
(FCD/Bs)
3. Secured borrowing.
3.1. Term loans from banks/FIs(other NHB)
3.2. Term loans from NHB

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Year I Year II Year III

31 March__ 31 March__ 31 March__
3.3. Debentures/Bonds (other than FCD/Bs)
3.4. Others (Overdraft from bank)
4. Unsecured borrowing
(a) Public deposits
4.1. Deposits from public in the form of
FDs/RDs
4.2. Debentures/Bonds(other than FCD/Bs)
4.3. Any other type of public deposits
(b) Other unsecured borrowings
4.5 Inter-corporate borrowings
4.6. Commercial papers
4.7. Others (please specify)
5. Current Liabilities
5.1. Interest accrued but not due
5.2. Security deposists
5.3. Sundry creditors
5.4. Provision for NPA
5.5.1 Other provisions: Dividend
5.5.2 Other provisions: Leave encashment
5.5.3 Others
5.6. Share application money pending for
allotment
5.7. Other current liabilities: Liabilities for
Expenses
5.7.1 Unclaimed Deposits
5.7.2 Advance Payments
5.7.3 Unclaimed Dividend
5.7.4 Others (specify)
5.8 Unclaimed Debenture Interest
5.9 Debenture Redemption Amount
TOTAL LIABILITIES (1 to 5)
6. Contingent liabilities(please specify)
ASSETS
1. Fixed Assets

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Year I Year II Year III

31 March__ 31 March__ 31 March__
1.1 Gross own assets
1.1.1. Less: Accumulated depreciation
1.1.2. Net own assets
1.2. Gross leased assets
1.2.1. Less Accumulated depreciation +/-
Lease Adj.
1.2.2. Net leased assets
Total Fixed Assets
2. Deferred Tax Asset
3. Investments
3.1. Approved securities
3.2. Other Investments
3.2.1. Equity/preference shares(quoted)
Group companies/subsidiaries
Other current investments
Other long term investments
3.2.2. Equity/preference shares (unquoted)
Group companies/subsidiaries
Others:
3.2.3. Debt(quoted)
Group companies/subsidiaries
Other current investments
Other long term investments
3.2.4. Others - Mutual Funds, CPs, etc.
Quoted
Unquoted
4. Stock on hire (net of finance charges &
over-dues)
4.1. Industrial hire purchase
4.2. Others
5. Bills Discounted (net of over-dues)
6. Loans and advances (interest bearing)
(net of over-dues)
6.1. Secured

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Year I Year II Year III

31 March__ 31 March__ 31 March__
6.1.1. Housing loans
6.1.2. Other loans and advances
6.2. Unsecured
6.2.1. Inter-corporate deposits
6.2.2. Advances to suppliers
6.2.3. Others
Total loans and advance.
6. Loans and advances(non-interest
bearing) (net of over-dues)
7.1 Group companies/subsidiaries
7.2. Others
8. Current assets
8.1. Interest accrued
8.2. Sundry debtors/Receivables
(a) EMI Outstanding
(b) Other receivables
8.3. Security deposits
8.4. Pre-paid expenses
8.5. Other current assets (specify)
9. Cash & Bank Balances
9.1. Cash in hand
9.2. Balance with scheduled banks
9.2.1. Current account
9.2.2 Deposit account
9.2.3 Cheques on hand
9.3. In transit from branches
TOTAL ASSETS (1 to 9)
Less: Intangibles
a) Debit balance in P & L A/cs
b) Preliminary & prospective expenses
c) Deferred revenue expenditure
d) Misc. expenses to the extent not
written off
e) Others (please specify)

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Year I Year II Year III

31 March__ 31 March__ 31 March__
TOTAL INTANGIBLE ASSETS
TOTAL ASSETS (net of intangibles)

2. Profit & Loss Account for last three financial years.

Particulars Year I Year II Year III

A. Fund based Income:
1. Interest Income
a) Housing loans to:
i) Individuals
ii) Builders/Corporate bodies
iii) Others (please specify)
b) Loans against deposits
c) Other loans and advances
Total interest income (1a+1b+1c)
2. Investment income
a) Investment Income on approved securities
i) Interest/dividend
ii) Profit/(loss) on sale of SLR securities
b) Other investment income
i) Interest
ii) Dividend
iii) Capital gain (+) / loss (-)
Total Investment Income (2a+2b)
3. Other fund based income
a) Fees and other charges
b) Rent receipt
c) Profit on sale of assets
d) Bad debts recovered
e) Net lease income
f) Hire purchase income
g) Other income (specify)
Total other fund based income(3a to 3g)
4. Total fund based income (1+2+3)
5. Fee based income

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Particulars Year I Year II Year III

a) Guarantee fee
b) Underwriting commission
c) Merchant banking income
d) Income from broking & syndication in bills/CDs/
lease
e) Miscellaneous income
f) Others(specify)
Total fee based income
6. Gross Income (4+5)
7. Less:
a) Provisions against NPAs
b) Bad debts written off
c) Diminution in value of investments
8. Net income (6-7)
9. Net fund based income (4-7)
10. Interest and other financing cost
a) Interest paid on Borrowings
b) Interest paid on Public Deposits
c) Brokerage/reimbursement of expenses to brokers
d) Interest paid on ICDs
e) Discount/charges on bills rediscounted
f) Other financing costs
Total finance cost (10a to 10f)
11. Interest spread (9-10)
12. Operating Margin (5+11)
13. Operating Expenses
a) Employee cost
b) Other administrative cost
c) Other (please specify)
Total expenditure (13a to 13c)
14. Gross Profit [6-(10+13)]
15. Other expenses
a) Depreciation on own assets
b) Intangible assets amortised
c) Others: Provision against NPA's & Bad debts

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Particulars Year I Year II Year III

Total other expenses (15a to 15c)
16. Reported profit before tax (14-15)
17. Tax/ Provision for tax
18. Reported profit after tax (16-17)
19. Dividend (Amt.)
20. Rate of Dividend (%)
21. Balances transferred

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3. Interest Spread
Sources Year I Year II Year III
Average Int. Cost Average Int. Cost Average Int. Cost
Amt. Amt. Amt.
(Rs.) (Rs.) (%) (Rs.) (Rs.) (%) (Rs.) (Rs.) (%)

Owned fund

Deposits
Fixed deposits
Others (please specify)
Weighted average for deposits

Borrowings (secured and unsecured)

NHB
Terms loan from banks/FIs
Debentures (other than FCDs)
Inter-corporate borrowings
Others (please specify)
Weighted average for borrowings
Other liabilities
A] Weighted average for deposits & borrowings

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DEPLOYMENT As on 31-03-2002 As on 31-03-2003 As on 31-03-2004

Average Int. Cost Average Int. Cost Average Int. Cost
Amt. Amt. Amt.
(Rs.) (Rs.) (%) (Rs.) (Rs.) (%) (Rs.) (Rs.) (%)

Housing loans
Individuals
Builders & Corporates
Public Agencies
Others (specify)
Weightage average for housing loans

Investments
Approved securities/SLR Securities

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Shares
Debentures
Units of Mutual Funds
Others (specify)
Weightage average for investments

Other assets
Bank deposits / ICDs
LOD
Residual Income
Weightage average for other assets

B] Weightage average for loans, investment & other

assets

INTEREST SPREAD B-A

Note:
1. Average deposits/borrowings for the year may be first computed based on the quarter/month end figures.
2. Actual interest outgo (dividend on capital) for the year (quantum wise) may be submitted in the Rupees column.
3. Based on 1 & 2 above the cost of funds (2 as a percentage of 1 above) as a percentage to be filled under % column.
Similar steps may be followed while proceeding regarding deployment to arrive at yield in percentage.

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4. Important Ratios
Year I Year II Year III
Capital Adequacy Ratio
Debt Equity Ratio
Return on assets
Earning per share
Percentage of income earned out
of various activities to gross
income
[a] Housing
[b] Lease finance
[c] Bill re-discounting
[d] Investments
[e] Real Estate
[f] Property Services
[g] Other fee based activities
(specify)
Percentage of amount
appropriated to Reserves and
provisions to net profit.
Percentage of amount
appropriated to dividend to net
profit.
Percentage of administrative
expenses to gross income
Percentage of administrative
expenses to housing loans
outstanding.
Percentage of regulated deposits
to NOF
Percentage of investment to
aggregate loan funds
Interest coverage ratio
Asset- Liability match in terms of
age

Date:
:
Managing Director/ Chief Executive Officer

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NAME OF THE COMPANY:

Internal Control/ Audit/ Reporting

1 Delegation of Power
(a) Attach a note indicating the
delegation of powers entrusted to
various levels of officials for all types
of transactions, viz. borrowing,
investment, sanction of loans,
waivers of any kind, capital and
revenue expenditures, etc., together
with Board approval therefore.
(b) Please indicate the system of control
on use of such powers by various
officials.
2 System of Internal audit/Concurrent
Audit/EDP Audit
(a) Managed in-house or through an
out-side agency. For latter give
the name/s and jurisdiction, if
any.
(b) Indicate the periodicity of such
audit.
(c) Indicate the system of reporting
by the auditor and compliance by
the concerned functionaries.
(d) Any system of reporting the
highlights of the audit findings to
the Board and/ or Audit committee?
E If so, at what interval?

3 Inspection by Regulatory Authorities

Indicate inspections, if any conducted by
RBI, ROC, PF, ESIC, Govt. Department,
etc. during the last three years.

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4 Management Information System

[MIS]

(a) Any MIS in place? If yes, please

give details viz. periodicity,
purpose, submitted by / to whom,
etc. along with formats rescribed.
(b) Who does the scrutiny of the MIS
submitted and what follow-up
action is taken?
(c) Any system of submission of
MIS to the Board? If yes, indicate
the type, purpose, periodicity,
etc. together with a copy of the
latest MIS submitted.
5 Corporate - Branch Inter-action
(a) Whether any system in place for Top
Management/ Corporate Heads visit
to branches? If yes. indicate at what
periodicity, purpose, reporting
system, etc.
(b) Any system of Branch-in-charges
conferences to review various
performances? If yes, indicate at
what periodicity, purpose, reporting
system, etc.
6 Regulatory compliance

(a Indicate the dates of submission of

various returns - quarterly, half-
yearly, annual, etc. to NHB during
last three financial years.

(b) Compliance to the supervisory letter

issued after the previous NHB
inspection
(c) Indicate the dates of submission of

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various returns quarterly, half-yearly,

annual, etc. to ROC during last three
financial years.

(d) Indicate whether any system is in

place to report to the Board the
various regulatory compliances. If
yes, attach a copy of the latest such
compliance report submitted to the
Board.
(e) Indicate the dates of submission of
return to any other regulatory
authority such as SBI, Stock
Exchange, PF, ESIC, Income tax,
Govt. Authorities, etc. during last
three financial years.
7 Complaints
(a) Whether any record of oral and
written complaints from the
following is maintained in a
Register? If yes who maintains it,
give a proforma of the register
maintained.
(a ) Depositors
(b) Borrowers
(c) Shareholders
(d) Others
(b) Whether branches maintain
complaints register?
(c) Give statistics of Complaints
received from (i) Shareholders, (ii)
Depositors and (iii) borrowers,
during last three financial years.
(d) What is the system of control to
ensure that all complaints are
satisfactorily and promptly

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attended to?
(e) At what level complaints are to be
disposed off?
(f) Any system of reporting serious
complaints and action taken to the
Top Management?
8 Frauds/ Embezzlement
(a) Indicate whether any case of
fraud, embezzlement, etc. had
surfaced/ detected during the last
three financial years? If yes give
details in the following format.

Sr. Date Nature of fraud/ Persons Amount Present status

No. embezzlement involved involved
1 2 3 4 5 6

(b) Whether the Top Management /

Board has been kept informed? If
yes, please enclose a copy of the
note/s submitted in this regard.

(c) Whether reported to NHB.

Date:
:
Managing Director/ Chief Executive Officer

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NAME OF THE COMPANY:

Management

1 Particulars of Directors be given in

the following format
(a) As on the date of inspection
(b) Changes, if any, since last
inspection of NHB.

Sr. Name and residential address Age Date of appointment

No.
1 2 3 4

Qualification Profession Name of the other companies in which interested as a direct

partner, etc. and the nature of the interest
5 6 7

2 Dates of Meetings held during last

three financial years
(a) Board Meeting
(b) Annual General Meeting
(c) Extra General Meeting
(d) Decisions taken by Circular
Resolutions

3 Details of various Committees

constituted by Board be given in
the following format -
Name of the Members Purpose Date of Periodicity of meetings
committee constitution
1 2 3 4 5

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4. Companies within the

same Group
(a) Details be given in the
following format
Name/s of Date of Promoted by Name/s of common Main object of th
the Incorporation Directors and whether company/ies
company/ies whole-time or otherwise
1 2 3 4

(b) Please also enclose the

latest
audited Balance Sheet
and Annual
Report.
(c) Please enclose a copy
of the Registration
certificate, if any issued
by the Regulatory
Authority

4. Corporate Governance.
(a) Please furnish a note on Policy of
Corporate Governance being
followed by the company
(b) If such a policy is not being
followed, the reasons therefor.

Date:

:
Managing Director/ Chief Executive Officer