CAVEAT — Outside Cycle of Competence, so it may get Funny ak Places. Jane tis veview senou ak . | your Own vis. We help you build homes (A subsidiary of HOFC Lita) DisclosuRE- No holdings Tribute to the GRU ini A dviving force for Gutare momentum and growth Reviewed By _ Vishal Khandeuwel 14-2015 [safalnives hak. cow] Date-2lst Aug, 2015Grun ALL yound over the yeans cue (lo-yr k S- yy CAGR) toe HIGHUGHTS Tin crares) SV ighlights 2014-15 2013-14 2012-13 2011-12 2010-11_2009-10 2008-09 2007-08 2006-07 2005-06 GAR ‘an Disbursements aia S77 ive 1487 atk 70S a6) Ba, Net Interest Income “ Mow i me lll el ey: Fees & Other Charges eee Operating Cost o © @ & © 5s 2 2 H Zor, | oeati rote ee ee loo Provisions & Wate Of (Net) Ce S47. | Prot Betore Tox 317s DR 27. | Pome ater Tax we 7st ww ZEip, | Stocknoiders Equity 711 67451385860 Borrowed Funds 8216 6447 4.915 3833 2.966 23232245 1,73 1,305 1,089 277. [Lom asses 915 7,009 5438 4,067__3,172__2,449 2,086 17701377 1,068] BIZ Key Financial Ratios Ceptal Adequacy Ratio (%) «15.38. 16.35.—«14SH «ROSH «16551621 18.15 16.31 14.24 Debt Equity Ratio (es) cee et eee ete, eons to Total ASets (4) a ee | Gross NPAs to Loan Assets (%) 028027 O32 OS2 ORR Lose 138 Net NPAs to Loan Aes (35) ee ae Net Interest Margin to Average Assets (36) 418 42143846447) 382 337 Non Iterest Expenses to average Ase (4) os 0 0s isso eta Cost to Income Ratio (%) ot b mp we p> 2 we sy PAT to Average Assets (36) 240-276 29432302265 aad 239 27203 ye eee ee ae ees) CASR, tessuting shareholcers’ Weath CASK ZEST. | karrings Per share (2) * 537 493 411 Bal 262 199145 1a? oO EL Dividend Rate (36) woe oss aww Did Payout Ratio (%) Cd Book Value Per Share as at 227: | arcn3s (2) * 1 2 om om 510 27a ae a8] 2 ge Market Pie Per Share as at torch) 244 4765 10515 63.70 36022178937 1S44 1374933 Prieto Vue Rai (times) a 873 7HL_ 5833982854? 2812802 rice to Eamings Rat (times) eee jrtetContatsaton(incrores) 8867 531937532249 1266756 sss are Prof Aer Tax aves alr poweing Oeered Tax Lbity e193 @wes on Spel Reserve wich was wequres to be cated fom FY ores Indes nine pc! et ie Ye Oued oR ousuaes 1 Daring FY 1213, met Sy 26, 2012, foe vie of equy sare of be Company was sb-ded to € 2 per equty sare from ® 10 per eaty share ad hence ‘sas for Spl and Bonus shares. (@ The company ated bonus shares nthe ras of 1:1 dung June 014. Ondo he ul yer on enhanced cape post sue of bonus shares. Market cop har m at? 2- vale f growth 1s er kt By ee bow pe gin eyestes pay ewer Aine (when beugut at good prDicleersements —> Loans Up 24 Aud pirectors‘rePoRn va Sze- ‘TO THE MEMBERS, e 4 ‘Your dtectors are please to present the TMbgty Ninth Annual Report of your Company with the audited accountSMr the year ended March 31, 2018. FINANCIAL RESULTS, (p erres) For the ‘year ended March 31, March 31, 2015, 2018 Profit Before Tax 300.84 244.46 Provision for Tax mr 6750 Deferred Tax on Special Reserve 19.33, 0.00 Profit After Tax 203.80 176.96 Add: Balance brought forward from last year ‘Amount available for appropriation ‘Appropriations: Special Reserve 5687 45.00 General Reserve 40.00 20,00 Addtional Reserve uls 28C of NHB Act, 1987 0.00 15.00 ‘Amount utlised towards Corporate Social Responsibility Activites 193 0.00 Proposed Dividend ns 54.04 ‘Additional Tax on Proposed Dividend 14.80 9.18 Dividend pertaining to previous year paid during the year 0.00 0.27 Balance caried to Balance Sheet 161.11 143.59 34738 287.08 Dividend Your directors recommend payment of dvidend of € 2.00 per equity share of face value of ® 2 each forthe year ended March 31, 2015 ‘on the enhanced paid-up capital ofthe Company post the Issue of bonus shares in the ratio of 1:1. Considering that the Company decared a 1:1 bonus during the year, the effective dvdend for the year is © 4.00 per equity share (ore-bonus) as compared to ® 3.00, per share in the previous year. Although the bonus shares were allotted on une 11, 2014, dividend on these shares wil be payable for the entire nancial year. The dividend payout ratio for the year Inclusive ofadctional taxon dividend wil be 43% as against 36% In the previous year. ven, Cun Pye Rn 8.2 Lae /. (Changes in Share Capital gtr yea. f Pi Iie hep Yeu Bld homes aie yes During the year under review, the paid up share capital increased as a result of the 1:1 Bonus Issue, whereby your Company alloted 38,01,31,150 Bonus shares. The paid up shire capital also increased 2 a resutof allotment of 31,22, 280 equity shares ofthe face value of & 2/- each upon exercise of stock options under ESOS-2011 (renche-1) and ESOS-2011 (Tranche-t1). Consequently the equity share capital has increased from € 36,02,62,300 divided into 18,01 31,150 equity shares of & 2/- each to 8 72,67,69,160 divided into 36,35,64,580 equity shares of € 2/- each, Golden Jubilee Rural Housing Finance Scheme ‘GRU disbursed € 1,296.14 crores in respect of 18,719 dueling Units during the year Under the Golden Jubilee Rural Housing nance ‘Scheme of te Government of India, Cumulative disbursements under the Scheme were & 5,379.87 crores in respect of 1,24,113 dwveling units. ural Housing Fund ‘The National Housing Bank (NHB) has formulated a scheme called {the Rural Housing Fund ~ 2008 (RHF). The scheme is aimed towords ‘ual housing undertaken by families falling under the weaker Section Category 25 defined in the Reserve Bank of India guidelines on lending tothe priority sector, During the year, GRUH disbursed € 301.06 crores in respect of 4,679 loans in rural areas wherein the loans meet the citeria lad down under the scheme, ‘Urban Low Income Housing Scheme ‘The Ministy of Housing and Urban Poverty Alavation (MHUPA) launched a special scheme called the Urban Low Income Housing Scheme (LI) in January 2012 to finance femmes in the EWS / LIC ‘segment in urban areas. NHB fs the nodal agency for monitoring this scheme, Prog ter Tx oa 288S8! WOT ROOT BOUT Boy BASF DOTS