DHFL HIGHLIGHTS

HIGH SAFETY RATINGS

Credit Rating FAAA Credit Rating AA+ (FD)
DEWAN HOUSING FINANCE CORPORATION LIMITED (DHFL)
`1 Lac Free Accidental Death Insurance for every Individual Depositor and the First Depositor in case of Joint Holdings.
* 0.25% extra interest for Deposit of `
widows, Armed forces Personnel, Existing DHFL Home Loan Borrowers & DHFL Share Holders (appropriate proof should be attached).
For Further enquiries mail: response@dhfl.com Customer Care No.: (0124) 4092750
25 Lacs and Above * 0.50% extra interest for individuals in the categories of Senior citizens (aged above 60 years),
Cheque/DD to be drawn in favour of DEWAN HOUSING FINANCE CORPORATION LTD.
*Subjected to TDS. **Deposit accepted only under CUMULATIVE scheme where the Interest will be compounded half yearly
FOR INDIVIDUALS / COMPANIES / PARTNERSHIP FIRMS /
PROPRIETARY CONCERNS / TRUSTS / ASSOCIATIONS / CLUBS etc
FAAA Rating affirmed by Brickwork
Indicates Excellent Credit Quality
AA+ (FD) Rating affirmed by CARE
Indicates High Quality by all Standards & High Investment Safety

3rd largest Housing Finance Company in India

30 years of continuous growth
Assets Under Management is `38570.00 crore as
of 31st September 2013
The y-o-y Net Profit growth at 40% in FY 2012-13
High Safety High Returns Fixed Deposit Products
Zero Percent Net NPA in FY 2012-13

Fixed Deposit Scheme available in cumulative

option
Consistently profit making & dividend paying
company
Periodic Interest payments through ECS
Repayment through Cheque / RTGS / NEFT
Strong nationwide presence with over 400
service locations
Eligibility: This deposit scheme is open to all individuals, including Joint account holders and Minors,
Proprietorship concern, Partnership firm, Companies, Trusts, Associations, Clubs,
Educational institutions, Charitable institutions, Public institutions and Statutory bodies.
Denomination: Minimum prescribed deposit will be `10,000.00 and in multiples of `1,000.00.
Doubling Period: 80 months to 86 months.
DOUBLE MY MONEY CUMULATIVE SCHEME**
General Customer Tenure Privilege Customer Tenure
ROI (% p.a.) 10.00% 10.50%
Annual Yield 14.13% 86 months 14.81% 82 months
Maturity value (for a deposit of `10,000.00) ` 20125.68* ` 20121.78*
ROI (% p.a.) 10.25% 10.75%
Annual Yield 14.47% 84 months 15.15% 80 months
Maturity value (for a deposit of ` 10,000.00) ` 20131.87* ` 20100.96*
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Dewan Housing Finance Corporation Ltd.
Corporate Identification Number (CIN) - L65910MH1984PLC032639
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PARTICULARS AS PER NON-BANKING FINANCIAL
COMPANIES AND MISCELLANEOUS NON - BANKING
COMPANIES (ADVERTISEMENT RULES) 1977 AS AMENDED
(a) Name of the Company: Dewan Housing Finance Corporation Limited (DHFL)
(b) Date of Incorporation: 11th April, 1984.
Business carried on by the Company and its subsidiary with details of branches: The Company is
primarily carrying on the business of providing finance for purposes of construction / purchase of
residential houses. The Company does not have any subsidiary as on date. The addresses of the
Registered and Corporate Offices of the Company are as under:
(i) Regd. Office: Warden House, 2nd Floor, Sir PM Road, Fort, Mumbai - 400 001.
(ii) Corporate Office: HDIL Towers, 6th Floor, Anant Kanekar Marg, Bandra (E), Mumbai-400 051.
(iii) Branches / Offices : As mentioned overleaf.
(d) Brief particulars of the Company: The day to day affairs of the Company is managed by the Chairman
& Managing Director subject to the superintendance, control and direction of the Board of Directors.
(e) Name, address and occupation of Directors.
I) The figures of the financial year 2012-13 include the results of the two erstwhile subsidiaries of the
Company namely First Blue Home Finance Limited (a Housing Finance Company) and DHFL Holdings
Private Limited, consequent upon their amalgamation with the Company. Accordingly, the standalone
figures of the previous year (2011-12) are not comparable with the figures of financial year 2012-13.
J) The amount of Public Deposits which the Company can raise under the Housing Finance Companies
(NHB) Directions 2010 is equivalent to 5 times of the net owned funds i.e. `15182.81 crores, whereas
the total Public Deposits as on March 31, 2013 was `1923.72 crores.
k) There are no overdue deposits other than unclaimed deposits.
l) We declare that
I) The Company has complied with the provisions of the NHB directions and above mentioned rules.
ii) The compliance with these directions does not imply that the repayments of deposits are guaranteed
by the Reserve Bank of India / National Housing Bank.
iii) The fixed deposits accepted/ renewed by the Company are secured appropriately to the extent of
floating charge created by way of Deed of Trust dated 9th March 2011.
The total amount of exposurse, other than investments in shares, including the non-fund based
facilities, to companies in same group or other entities or business ventures in which directors and / or
the Company are holding substantial interest as on March 31, 2013 was `44.76 crores.
The above text has been approved by the Board of Directors at its meeting held on Tuesday 23rd July,
2013, and is being issued on the authority and in the name of the Board of Directors of the Company. A
copy of this advertisement duly signed by a majority of Directors of the Company has been filed with
the National Housing Bank, New Delhi, and the Regional Office of Department of Non-Banking
Companies of the Reserve Bank of India, Mumbai.
By Order of the Board
For Dewan Housing Finance Corporation Ltd.
Sd/-
Date : 23rd July 2013 Kapil Wadhawan
Place : Mumbai Chairman & Managing Director
NAME ADDRESS OCCUPATION
Shri Kapil Wadhawan 23, Seaview Palace, Pali Hill, Business
Chairman & Managing Director Bandra (W) Mumbai-400 050.
Shri Dheeraj Wadhawan 23, Seaview Palace, Pali Hill, Business
Non Executive Director Bandra (W) Mumbai-400 050
Shri R P Khosla 20A, Palam Marg, Vasant Vihar, Professional
Non Executive Independent Director New Delhi- 110057
Shri G P Kohli 1403/04, Dheeraj Enclave (A1Tower), Professional
Non Executive Independent Director Off Western Express Highway, Borivali (E)
Mumbai - 400 066
*Shri Jamie Cayzer-Colvin Cayzer House, 30 Buckingham Gate, Professional
Non Executive Nominee Director London SWIE NN.
Caledonia Investments PLC
Shri Ajay Vazirani Harani & Company Professional
Non Executive Independent Director Advocate & Solicitors,
Ali Chambers, Gr. Flr, Homi Modi,
2nd Cross Lane, Fort, Mumbai-400 023.
Shri V K Chopra Flat No. 4A, 4th Flr, Harmony Tower, Professional
Non Executive Independent Director Dr. E. Moses Rd, Worli, Mumbai-400 018.
Shri M. Venugopalan Flat No. 201, Block 34, Heritage City, Professiona
Non Executive Independent Director M.G. Road, DLF Phase II, Gurgaon 122 002
*Appointed as an Additional Director (Nominee) w.e.f. 23rd July, 2013
(f) & (g) Profit and Dividend
Financial Year ended Profit Before Tax Profit After Tax Dividend
(` in Lakhs) (` in Lakhs) (%)
31st March, 2013 61,068 45,185 50%*
31st March, 2012 39,836 30,636 35%
31st March, 2011 34,148 26,513 35%
*including interim dividend 20%
(h) Summarised Financial Position of the Company as appearing in the last two audited Balance Sheets
LIABILITIES As at 31/3/2013 As at 31/03/2012
(` in Lakhs) (` in Lakhs)
Share Capital 12,822 11,684
Reserves and Surplus 310,887 191,588
Non-Current Liabilities
Long Term Liabilities 2,656,471 1,601,860
Other Long Term Liabilities 277 -
Long Term Provisions 26,360 15,940
Current Liabilities
Short Term Borrowings 87,598 93,417
Trade Payables 58 4,860
Other Current Liabilities 481,208 228,458
Short Term Provisions 4,623 3,903
TOTAL 3,580,304 2,151,710
ASSETS As at 31/3/2013 As at 31/03/2012
(` in Lakhs) (` in Lakhs)
Non-Current Assets
Fixed Assets 43,793 24,648
Non-Current Investments 19,052 38,746
Long Term Housing and Property Loans 3,236,949 1,824,298
Other Long Term Loans and Advances 3,300 1,334
Other Non-Current Assets 27,192 28,191
Deferred Tax Assets / (Liabilities) (Net) 201 2,133
Current Assets
Current Investments 8,450 7,529
Trade Receivables 5,896 5,434
Cash and Bank Balances 51,256 70,164
Short Term Portion of Housing and Property Loans 153,223 111,240
Other Short Term Loans and Advances 28,726 40,865
Other Current Assets 2,265 1,395
TOTAL 3,580,304 2,151,710
Contingent Liabilities 2012-13 2011-12
(` in Lakhs) (` in Lakhs)
Guarantees provided by the Company 9,996 22,473
Claims against the Company not acknowledged as debts 83 54
Income Tax demand in respect of amalgamating company 430 -
(net of amount deposited under protest `67 lakhs)
8. Partnership Firm
Declaration of Partnership by Partners
Name and address of Partners
Operational Mandate and Specimen
Signatures
PAN card copy of firm and Authorised
signatories
6. Public. Private Ltd. Company / Co
operative Societies/Co-operative Banks
Copy of Memorandum & Articles of
Association / Bye-laws
Copy of Resolution to invest in DHFLs
Deposit Scheme
List of Directors and Office Bearers
Operational Mandate and Specimen
Signatures of the Authorized Persons
PAN card copy of Company and
Authorised signatories
1. Acceptance of fixed deposits
Fixed deposits will be accepted from Limited/ Private Limited Companies/ Resident HUFs/ Non
Resident Indians/ Co-operative Societies/ Co-operative Banks/ Association of Persons/ Trusts,
etc.
2. Non-Resident Indians (NRIs)
Deposit from NRI and Persons of Indian Origin (PIOs) resident outside India would be accepted
on non-repatriation basis only, in accordance with RBI regulations governing the acceptance of
deposits from NRIs. Payment of interest as also the repayment of deposit shall be made only by
credit to NRO Account with Banks. Income tax at source will be deducted as applicable to NRO
deposit of NRIs/ PIOs.
3. Joint Deposit Holders:
Deposit will be accepted in joint names not exceeding three in number. In case of deposits in
joint names, all communications shall be addressed to the first named depositor and payment
of interest and repayment of principal amount shall be made to the first named depositor. Any
discharge given by the first depositor or any of the depositors will be valid and binding on all
joint depositors unless expressly intimated to the Company at the time of making deposit.
In the event of death of the first joint holder, the repayment of the deposit and payment of interest
shall be made to the person next in order of joint holding on submission of death certificate
without reference to the heirs and/or legal representative of the deceased. In any other case it
will be necessary for the legal representative of the deceased to produce the following, as
applicable:
a) Death certificate | Declaration | Affidavit
b) Indemnity Letter | Indemnity Letter Notarized
c) Declaration from respectable person known to DHFL, depending upon the Deposit amount
4. Application
The prescribed application form, duly accompanied by Cheque/ Pay Order / demand draft in
favour of Dewan Housing Finance Corporation Ltd. / cash (less than `20,000/- and within the
Provision of the Income Tax Act)/ should be sent to our respective branches. Alternatively
remittances are accepted through NEFT/ RTGS. Signature by thumb impression must be
attested by a Magistrate or a Notary Public Signature under their Official Seal.
5. Trusts / Associations/ Clubs
Copy of Resolution
Names and Addresses of Trustees
PAN card copy of Trust and
Authorised signatories
Operation mandate
Specimen signatures
Trust Deed
7. Proprietary Concern
Name & Signature of the Proprietor
PAN card copy of Proprietor
9. Interest will be paid / credited as per below schedule.
Non-cumulative Monthly First day of the month
Non-cumulative Quarterly 01st July, 01st October, 01st January, 31st March
Non-cumulative Half yearly 01st October, 31st March
Non-cumulative Yearly 31st March
Cumulative Deposit 01st October, 31st March
Cumulative Deposit 40 months 31st March
Small Saving Scheme (Recurring Deposit) 01st October, 31st March
Electronic Clearing System
Facilitates interest payment by direct credit to the depositors Bank account. This facility is
available in all centers of DHFL. Depositors are required to provide evidence of Bank Account
/branch/MICR Code, etc. in the ECS mandate.
10. Deduction of Tax at Source
Income Tax will be deducted at source under section 194A of the Income Tax Act, 1961 on
interest payment of above `5000/- in a financial year subject to changes/ alterations in the said
provisions by the relevant authorities. Upto and inclusive of `5000/- TDS is not applicable. For
exemption of TDS, Depositors should submit to the company Form 15G/ 15H/ Order U/s10/
Order U/s 197 (as the case be).
11. Free Accident Insurance cover
Every first depositor in a joint individual deposit is insured against unfortunate Accidental death
for a sum of `1,00,000 (One lac only) free of premium. Company should get representation
within 3 months of the death of the investor.
12. Nomination:
Depositor/s can, single or jointly, nominate another person under this facility. The nominee shall
be recognized as the Holder of the title of the Fixed Deposit on death of all the depositors. Power
of Attorney holder or a guardian applying on behalf of a minor cannot nominate. Depositors are
advised to provide the specimen signature of the nominee at the time of nomination to expedite
the transmission of the deposits to the nominee in the event of demise of the depositors.
13. Deposit Receipt:
The deposit receipt and interest warrants will be sent by Post/ Courier by the Company to the
address given in the application form and the Company shall not be held responsible for any
loss or delay in transit. If the deposit receipt is not received by the depositor for any reason, the
depositor should write to enquire with the Company. In the event of loss/ destruction/ mutilation
of deposit receipt, the Company may at its sole discretion issue a duplicate receipt upon
receiving an Indemnity Bond executed by the depositor in the form prescribed the Company.
The deposit receipt is not transferable. The Company will not recognize any lien or assignment
of the deposit or interest thereof.
14. Renewal and Repayment of Deposit:
In case of renewal of the Fixed Deposit, Depositors shall submit discharged fixed deposit
receipt to the branch with renewal mandate on the back of the fixed deposit receipt along with
the fresh KYC documents if there is change in address. a fresh application form duly filled
GENERAL TERMS AND CONDITIONS GOVERNING THE PUBLIC DEPOSIT SCHEMES
should accompany the discharged deposit receipt. If the company receives a Fixed Deposit for
renewal not later than 6 months from the maturity date then the interest rate payable is the usual
rate of interest payable on the period chosen without any deduction, prevalent on the deposit
maturity date.
If company receives FDR for renewal after 6 months from the date of maturity, renewal will be
done with effect from the day request is received at the branch and interest rate payable will the
one prevalent on the renewal day. In that case, no interest is payable after the period between
maturity and renewal.
In case of repayment, the duly discharged deposit receipt should be surrendered at least 3
working days before the date of maturity along with RTGS / NEFT data, then in that case the fixed
deposit proceeds will be credited to the bank account of the depositor via online RTGS / NEFT on
the maturity date, free of cost. In case the depositor opts for manual payment, then the customer
should surrender the deposit receipt duly discharged at least 15 working days before the date of
maturity and the deposit will be payable at the city / town where the deposit is placed or any city
/town where DHFL has its offices.
15. Premature Withdrawal:
a) Premature withdrawal will be allowed after completion of three months from the date of
deposit, as per National Housing Bank (NHB) uidelines. In case of such premature withdrawal the
rates given in the table below shall apply.
b) In the event of the deposit holder already having/ received interest at a higher rate, the
difference in the total interest paid and revised interest payable would be adjusted against the
interest/ principal amount.
c) Outstanding post-dated interest cheque/warrants in custody of the depositor should be
surrendered to DHFL. The brokerage payable to authorized agents is for the period completed and
excess brokerage payable to authorized agents so for the period completed and excess
brokerage paid will be recovered from the depositor/broker.
Sr. No. Period completed from date of Rate of interest payable
deposit (%p.a.)
1 After 3 months but before 6 months No Interest
2 Above 6 months before 12 months 3% less than the minimum rate at
which the public deposit is accepted.
3 12 months and above 2% less than the rate applicable to
the deposit run period
16. Loan against Deposits:
Loans may be granted against Fixed Deposit upto 75% of the Principal deposit amount carrying
interest @2% per annum (at monthly rest) above the deposit interest rate and other additional
charges as applicable on such deposit, provided the deposit has run for a minimum period of
three months. The outstanding loan together with interest shall be settled in one lump sum by the
depositor or shall be adjusted on maturity of the deposit. However, granting of loan will be at the
sole discretion of the Company.
17. Know Your Customer (KYC) Compliance
In terms of Preventions of Money Laundering Act 2002, the rules notified thereunder and KYC
Guidelines issued by the National Housing Bank (NHB) and to comply with Know your
customer guidelines for new depositors should provide a copy of any one of the following
documents which contains the photograph of the concerned first depositor for identification and
proof of resident address.
I) Passport (ii) Pan Card with address proof (iii) Voters Identity Card (iv) Driving License (v)
Aadhar Card. In case the address mentioned in the above documents differs from the present
address, a copy of any one of the following documents should be furnished for proof of
residential address.
i) Telephone bill (ii) Electricity Bill (iii) Bank a/c statement (iii) Letter from any recognised public
authority (v) Letter from employer (vi) Ration Card.
The above requirement will also be applicable for any existing First named depositor who has still
not complied with the above requirement. In the absence of the above the Company will not be
able to process the application for deposit/renewal.
18. Deposits may be made in the joint names of two/three persons under First or Survivor/s (F or S) or
Any one or Survivor/s (A or S). All communications will be addressed to the first depositor. All
cheques/ warrants for Interest Payment and repayment of deposits will be drawn in the favour of
the first depositor.
19. For Authorized Agents:
Agents are not authorized to accept cash or issue receipts on behalf of DHFL. Please ensure that
agent name and code number is clearly mentioned in the Application Form to ensure payment of
brokerage. Application Forms received without name and code number will not be considered for
payment of brokerage. Brokerage will be paid to registered agents at the rate decided by the
management as per RBI/NHB regulations/ guidelines.
20. General
I. Deposits will be subject to the rules/ guidelines framed from time to time by National Housing
Bank (NHB) or any other statutory authority and or Central/ State Government in connection with
acceptance of deposits by Housing Finance Companies.
ii. The terms and conditions form part of the prescribed form.
iii. The Company reserves the rights to alter or amend from time to time the terms and conditions
without assigning any reasons, if so required by NHB regulations / guidelines.
iv. Brokerage will be paid to the third part (other than deposit holders) as per NHB regulations/
guidelines
v. The Company has an Investor Relations Cell at its Corporate Office to look into any investor grievance
regarding deficiencies, if any, in the services provided by any of the branches of the company.
vi. In case the depositor is not satisfied with the services provided or the grievance redressal the
depositor may approach the National Consumer Disputes Redressal Forum or the State Level
Consumers Disputes Redressal Forum for relief.
vii. The Board of Directors certify that all the relevant information regarding the Scheme as well as the
financial position of the Company is correctly declared.
viii. As required by NHB guidelines, it is to be distinctly understood that the Fixed Deposit Application
Form should not in any way be deemed or construed to have been cleared or approved by NHB.
NHB does not undertake any responsibility either for the financial soundness of any scheme or
for the statements made in the Fixed Deposit Application Form.
ix. In case of non-repayment of the deposit or part thereof in accordance with the terms and
conditions of the deposit, the depositor may make an application to an authorized officer of the
National Housing Bank.
x. Periodical payment of interest on Deposit will be made through ECS, by directly crediting
depositors account.
xi. In case of loss / misplacement of FDR/ Cheque by the depositor, duplicate FDR/ Cheque will be
issued upon the depositor complying with the procedure involved.
xii. Change of address of first depositor should be intimated to DHFL.
xiii. All disputes relating to acceptance of deposits shall be subject to Mumbai jurisdiction only.
xiv. All Depositors must quote PAN while placing deposit in excess of `25,000/-
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Account Savings A/C Current A/C Branch:
Account Savings A/C Current A/C Branch:
Important:
Broker Name:
Brokers Code No.:
Sub-Brokers Code No.:
Customer Code: Date: Signature:
Appl. No.:
Proof Attached
Deposit Repayable to First Depositor Any one or Survivor/s Others (please specify)
Category
DHFL Promoter DHFL Director Relative of DHFL Director General / Member of Public
Privilege
DHFL Shareholder Senior Citizen (60yrs & above) Existing DHFL Home Loan Borrower
Armed Force Personnel Widow
Status
Resident Individual NRI HUF Trust / Society / Association / Club Public / Private Company
Partnership / Proprietary Firm Registered Co- operative Society Co-operative Bank Bank
Bank Account No.
MICR Code
IFSC
FDR No.:
Account Holders Name
(as per Banks Record)
Bank Name:
Details of Bank Account of Depositor for Interest / Maturity payment Prefered Mode of Payment ECS Cheque RTGS
(Not mandatory for existing customer) (For Interest) (For Maturity Amount)
Scheme
CUMULATIVE
I / We apply for New FD / Renewal at branch at an interest rate @ % p.a.
FDR No Maturity Date: Maturity Amt.
New FD Amt / Renewal Amt
(In case of Renewal)
Depositors Name (in Block Letters)
First Applicant :
Date of Birth : Occupation:
Second Applicant :
Date of Birth : Occupation:
Third Applicant :
Date of Birth : Occupation:
(in case of minor)
Guardians Name :
Period in months
80 mnths 82 mnths 84 mnths 86 mnths
D D M M Y Y
Permanent Account No. (PAN) for 1st Applicant
Tax to be deducted YES No. If no please submit 15G Form 15H Order U/s 10 Order U/s 197 (as applicable).
If other please Specify
1) Please use BLOCK letters (2) Please tick wherever applicable (3) All details must be filled in, if not applicable, please write N.A. For Privilege Customers appropriate proof should be attached (4) Crossed
A/c Payee Cheques / DD payable to Dewan Housing Finance Corporation Ltd. should be furnished. (5) Amount can be remitted for Fixed Deposits by NEFT / RTGS for Credit to DHFLs Account (6) DHFL will in
no way be responsible for any or other wrong tenders (7) Cash can be accepted for investment in FD Schemes below `20,000/- only. Agents are not authorised to issue receipt.

Affix a
latest photograph
of the
First Applicant
As regards deposit taking activity of the Company, the viewers may refer to the advertisement in the newspaper / information furnished in the
application form for soliciting public deposits. The company is having a valid Certificate of Registration No. 01.0014.01 dated 31/07/2001 issued
by the National Housing Bank under Section 29A of the National Housing Bank Act, 1987. However, the National Housing Bank does not accept any
responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements
or representations made or opinions expressed by the company and for repayment of deposits / discharge of the liability by the company.
Nomination
Name of Nominee
Address of
Nominee
Guardians Name
Signature of Nominee (optional) Date of Birth
Address of First / Sole Depositor
Flat No. &
Bldg. Name
Road No./
Name
City
State
Tel. (R)
Mobile
Email
Pin Code
Country
STD Code
(Subject to satisfaction of DHFL)
Signature of the Depositor(s) (1) (2) (3)
Maker Detail
Name:
Signature:
FDR to sent to customer through Courier Hand Delivery
Checker Detail
Name:
Signature:
(Kindly provide mobile number and email id to get alerts of payment/interest)
(In case of minor)
(Subject to satisfaction of DHFL)
D D M M Y Y
Payment Details Cheque Draft Cash Date
Cash Receipt No. / UTR No.Cheque / Draft No.
Amount ` Tick if additional amount Rupees (in words)
Bank Name Branch
D D M M Y Y
D D M M Y Y
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Relationship of nominee with first depositor
For office use only: Customer ID FDR No. FD Amount
Rate of Interest Maturity Amount Maturity Date
Valid Proof of Address to be provided by Applicant. (Please submit ANY ONE of the following certified documents)
Latest Telephone Bill of Landlline / Post Paid Mobile Latest Electricity / Gas Bill Ration Card Latest Bank Account Statement
Registered Rent Agreement Latest Demat Account Statement Any other Address Proof
Valid Proof of Identity to be provided by Applicant. (Please submit ANY ONE of the following certified documents)
Passport Photo Pan Card Driving Licence Voters Identity Card Photo Debit / Credit Card issued by Bank
Photo Ration Card Aadhar Card Any other identification with photograph