Presenting IDFC Infrastructure Bonds – Tranche 2.

SPECIFIC TERMS FOR EACH SERIES OF TRANCHE 2 BONDS

TAX ADJUSTED RATE OF RETURN FOR TRANCHE 2 BONDS

Below are the details of the Issue:

You can Apply to this bond issue in both physical as well as dematerialized form.

Documents Required for Physical Mode

• Self-attested copy of the PAN card
• Self-attested copy of a cancelled cheque of the bank account to which the amounts pertaining to payment of refunds, interest and redemption, as applicable, should be credited
• Self-attested copy of the proof of residence.

Any of the following Documents shall be considered as a verifiable proof of residence

• Ration card issued by the GOI or
• Electricity bill (not older than three months) or
• Landline telephone bill (not older than three months) or
• Valid passport issued by the GOI or
• Voters Identity Card issued by the GOI or
• Passbook or latest bank statement issued by a bank operating in India or

Documents for Demat Mode

• Self-attested copy of the PAN card

Customers of Muthoot Finance are typically small businessmen, vendors, traders, farmers and salaried individuals. They provide retail loan products, primarily comprising Gold Loans. They also disburse other loans, including those secured by Muthoot Gold Bonds. Their Gold Loans have a maximum 12 month term. Other then Gold Loans business, they provide money transfer services through their branches as sub-agents of various registered money transfer agencies. Company also operates three windmills in the state of Tamil Nadu.

Muthoot Finance is coming up with a public issue of Secured Non-Convertible Debentures of face value of Rs. 1,000 each, (NCDs), aggregating upto Rs. 300 Crores with an option to retain over-subscription upto Rs. 300 Crores for issuance of additional NCDs aggregating to a total of upto Rs. 600 Crores.Public issue of Muthoot Finance NCD will remain open from Dec 22, 2011 to Jan 07, 2012. Minimum order quantity for Muthoot NCD is 5 NCDs (Rs 5000) and after that in multiples of 1 NCD (Rs 1000).

The NCD is available for 4 tenors – 24 months, 36 months, 60 months and 66 months. The coupon rate for this NCD is fixed at 13.00% to 13.43% based on the tenors of the NCD. Redemption amount will be repayment of the Face Value plus any interest that may have accrued at the Redemption Date.

The Issue is rated by CRISIL and ICRA with AA-/Stable rating. ICICI Securities Limited, A.K. Capital Services Limited HDFC Bank Limited and Karvy Investor Services Limited are the Lead Managers for this issue.

Company Promoters:

The following individuals are the Promoters of the Company:

1. M.G. George Muthoot;

2. George Thomas Muthoot;

3. George Jacob Muthoot; and

4. George Alexander Muthoot

Company Financials:

The funds raised through this NCD will be utilised for various financing activities including:Objects of the Issue:

1. Lending and investments,
2. To repay existing liabilities or loans and
3. Towards business operations including for capital expenditure and working capital requirements, after meeting the expenditures of and related to the Issue.

Issue Detail:

»»  Issue Open: Dec 22, 2011 – Jan 07, 2012
»»  Issue Type: Fixed Price Issue NCD
»»  Issue Size: Equity Shares of Rs. 1000
»»  Issue Size: Rs. 300.00 Crore
»»  Face Value: Rs. 1000 Per Equity Share
»»  Issue Price: Rs. 1000 Per Equity Share
»»  Market Lot: 1 Shares
»»  Minimum Order Quantity: 5 Shares
»»  Listing At: BSE

Remark: PAN Card and Contact detail Compulsory.

Besides Whyte & Mackay and Bouvet Ladubay being 100% subsidiaries of USL, the company has 20 millionaire brands (selling more than a million cases a year) in its portfolio and enjoys a strong 59% market share for its first line brands in India. United Spirits’ brands have won the most prestigious awards for flavors, ranging from Mondial to International Wine and Spirit Competition (IWSC) to International Taste & Quality Institute (ITQI); more than 108 awards & certificates.

The Company is known to be an innovator in the industry and has several firsts to its credit like the first pre-mixed gin, the first Tetrapack in the spirits industry in India, first single malt manufactured in Asia and the first diet versions of whisky and vodka in India.

United Spirits Limited has relaunched its FD scheme on 01-Feb-2010 and this time it is accepting deposits from NRI (Non Resident Indians) as well. The rate of interest offered by the company is  :

•1 Year – 11.00%
•2 Years – 11.50%
United Spirits Limited (formerly known as McDowell & Company Limited) comes under the aegis of UB Group, owned by Vijay Mallya.

Remark: PAN Card and Contact detail Compulsory.

• Any individual can open an account.
•  Cheque facility available.

• Group Account, Institutional Account, other Accounts like Security Deposit account & Official  Capacity account are not permissible
• Rate of interest 3.5% per annum

Savings Bank Act

Small Savings Schemes

Interest Rates 

Features:

Only one account can be opened in the name of a person. Twelve deposits can be made in a financial year.

Minimum deposits in a year is INR.500 and maximum is INR. 70,000/-.

Loan is admissible from the third year. Loan amount is limited to 25 % of    at the end of two years preceding.    

Fresh loan is not allowed when previous loan or interest thereof is outstanding.

Interest is charged at the rate of 1% if prepaid within 36 months and at 6% on the outstanding loan after 36 months.

Withdrawal is permissible from seventh financial year from the year of opening, limited to one in a financial year. 

Amount of withdrawal is limited to 50 % of balance at the end of the fourth preceding year less amount of outstanding loan or 50% of balance at the end of immediate preceding year of withdrawal less amount of outstanding loan, if any whichever is less.

  A subscriber can close the account in the 16^th financial year.  The account can also be continued with or without subscription, for further blocks of 5 years.

Deposits are qualified for Income Tax rebate under section 88 of Income Tax Act.

Deposits completely exempted from wealth tax. Interest is completely tax free under section 80 of IncomeTax Act.

• Interest exempt from wealth tax. No TDS
• Accounts in the name of minors can be opened through guardians
• Any number of accounts can be opened
• One withdrawal upto 50% of the balance allowed after one year

Default / Revival:

• If there are more than 4 defaults in monthly deposits, the account shall be treated as discontinued. Revival of the account is permitted only within a period of 2 months from the month of fifth default. The account, in which defaulted installments are deposited along with default fee, is not treated as discontinued. Penalty: Rs. 20/- per Rs. 1000/- p.m.

Premature withdrawal:

• Account can be prematurely closed after 3 years from the date of opening of account and on such premature closure of the account, interest at the rate applicable from time to time on Post Office Savings Account shall be payable. However no premature closure of account is permissible until the period for which the advance deposits made is over.