Beruflich Dokumente
Kultur Dokumente
Mumbai
December 20, 2016
Slide
Reliance Home Finance Limited
a public issue of secured and un-secured redeemable non-convertible debentures (“NCDs”) and has filed the
Shelf Prospectus dated December 15, 2016 and Tranche 1 Prospectus dated December 15, 2016 with the
Registrar of Companies, Maharashtra, Mumbai, National Stock Exchange of India Limited, BSE Limited and
The Shelf Prospectus dated December 15, 2016 and Tranche 1 Prospectus dated December 15, 2016 are
www.nseindia.com and www.bseindia.com and the respective websites of the lead managers at
Investors proposing to participate in the Issue should invest only on the basis of information contained in the
Shelf Prospectus dated December 15, 2016 and Tranche 1 Prospectus dated December 15, 2016.
Investors should note that investment in NCDs involves a degree of risk and for details relating to the same,
please refer to the Shelf Prospectus dated December 15, 2016 and Tranche 1 Prospectus dated December 15,
Slide 1
Reliance Capital and it’s Businesses
Reliance Capital
Equities and
Commercial Finance Home Finance
Commodities Broking
Slide 2
About Reliance Home Finance
Company Overview Product Portfolio
Nature of Rating
Borrowing CARE Brickwork ICRA CRISIL
Source Amt (Rs. in
lakhs) Public Issue-
23.4% CARE AA+ BWR AA+ - -
Secured NCDs*
Banks/ FIs 4,93,546.71
Public Issue-
Capital 1,13,883.46 Un-Secured NCDs CARE AA BWR AA - -
Markets (Upper Tier II)*
14.4% 62.3% Long Term Debt CARE AA+ BWR AA+ - -
Others 1,85,266.87
Tier II Un-Secured
CARE AA+ BWR AA+ - -
Debt
Home loan disbursements expected to record healthy With HFCs maintaining a steady share in the
CAGR… housing finance pie
29548
17580
14650
12373
10414
8887
61% 61% 61% 60% 60% 60%
FY14 FY15 FY16 FY17F FY18F FY21F FY13 FY14 FY15 FY16 FY17E FY18P
Slide 4
RHFL - Key Strengths
Strengths
Slide 5
RHFL - Financial Highlights
750
120
600 513 502
430
450 362 383 80
339
300
40
150
40 42 66 106 137 62
0 0
FY12 FY13 FY14 FY15 H1FY16 FY16 H1FY17 FY12 FY13 FY14 FY15 FY16 H1FY17
10% 0%
FY12 FY13 FY14 FY15 FY16 H1 FY17 FY12 FY13 FY14 FY15 FY16
Slide 6
RHFL - Operational Highlights
Steady Increase in AUM and Loans (in INR cr) With diversification of loan book
10000 9,383
4% 4%
9%
7,905 20%
25% 20% 20%
8000 7,420
21%
6,753
15%
5,841 18% 21% 19%
6000
5,096 21%
3,860
4000 3,135
2,755
65%
56% 55% 57%
2000 48%
0
FY13 FY14 FY15 FY16 H1FY17 FY13 FY14 FY15 FY16 H1 FY17
AUM Total Loans) Home Loan LAP Construction Finance Others
Sanctions (in INR Cr) Disbursements (in INR Cr) Gross NPA Net NPA
Slide 7
RHFL - Key Financials
As on and for the period (values in Rs. Cr)
Parameters
FY2016 FY2015 FY2014
Slide 8
RHFL - Strategy going forward
Engage in competitive loan pricing and customize and cross-sell products and services
1
to attract more customers
Our Key
Strategies…
3 Grow our product reach
Slide 9
Reliance Home Finance Limited
Issue Period
Slide 10
Issue Summary
Offering Type Public Issue of Secured and Un-secured Redeemable Non Convertible Debentures
Offering Size Base Issue of Rs. 1,000 cr with an option to retain oversubscription upto the Shelf Limit
Secured NCDs aggregating upto Rs. 3,000 crore, Un-secured NCDs aggregating upto Rs. 500 crore
Shelf Limit
Totaling upto Rs. 3,500 crore (“Shelf Limit”)
Secured-CARE AA+;Stable (Double A plus;Outlook: Stable) by CARE; BWR AA+(BWR Double A plus) Outlook: Stable by Brickwork
Rating- Dual
Un-secured - CARE AA; Stable (Double A; Outlook: Stable) by CARE; BWR AA (BWR Double A) Outlook: Stable by Brickwork
Tenure & Secured – 3,5,10 years (interest payment frequency is annual for all)
Frequency Un-secured – 15 years with call option after 10 years from the deemed date of allotment (interest payment frequency annual)
Slide 11
Terms of Issue
Series I II III IV
Frequency of Interest Payment Annual Annual Annual Annual
Nature of Instrument Secured Secured Secured Un-Secured*
Minimum Application Rs. 10,000 (10 NCDs) across all Series collectively
In Multiples of thereafter Rs. 1,000 (1 NCD)
Face Value of NCDs (Rs./ NCD) Rs. 1,000
Issue Price (Rs./ NCD) Rs.1,000
Mode of Interest Payment Through various options available
Tenor 3 years 5 years 10 years 15 years
Coupon (%) for NCD Holders in 8.70 8.90 9.00 9.25
Category I & Category II
Coupon (%) for NCD holders in 8.90 9.05 9.15 9.40
Category III and Category IV
Effective Yield (per annum) for NCD 8.70 8.90 9.00 9.25
Holders in Category I & Category II
Effective Yield (per annum) for NCD 8.90 9.05 9.15 9.40
Holders in Category III & Category IV
Redemption Date (from the Deemed 3 years 5 years 10 years 15 years
Date of Allotment)
Redemption Amount (Rs./ NCD) Rs. 1,000
Note: The company may exercise call option on un-secured NCDs (Series IV) after 10 years from the deemed date of allotment
* In the event the company does not exercise the call option in relation to Un-Secured NCD Holders, a step-up of 25 bps above coupon after 10 years from
Deemed Date of Allotment shall be payable on every subsequent coupon payment date.
Slide 12
Issue Features
• Option to apply for NCDs in dematerialized as well as physical form
• Call Option on Un-secured NCDs after 10 years from the deemed date of allotment (Series IV)
• Step-up coupon on Un-secured NCDs of 0.25% shall be payable in case of non-exercise of Call Option
by the Company within 60 days of expiry of 10 years from the Deemed Date of Allotment
Priority in case of
Allocation
Category of Investors undersubscription in any
Ratio
Investor Category(ies)
* Determined on the basis of date of Application on the electronic bidding platform of Stock Exchanges, except on the date of
oversubscription when the Investors applying on the day of oversubscription get Allotment on a proportionate basis
Slide 13
Issue Team
Lead Managers
Legal Counsel
Debenture
Trustee
Registrar
Listing
Slide 14
Thank You