ref no. hcin/lc/2018-19/12 - home credit india’: (l1) ‘l‘aml oulslnnding dues armicm...

Home Credit India Finance Pvt. Ltd. (formerly known as Rajshree Auto Finance Pvt. Ltd.) Reg. Off.: Third Floor, Tower C, DLF Infinity Towers, DLF Cyber City, Phase-II, Gurugram, Haryana - 122002 CIN: U65910HR1997PTC047448, Tel. No.:- +91 124 4907600 Web: www.homecredit.co.in Email: [email protected]

Ref No. HCIN/LC/2018-19/12

May 30, 2018

To,

BSE Limited

Corporate Services Department

Phiroze Jeejeebhoy Towers

Dalal Street, Mumbai-400 001

Dear Sir/ Madam,

Sub: Certificate signed by debenture trustee pursuant to Regulation 52(5) of SEBI (Listing

Obligations and Disclosure Requirements) Regulations, 2015 for the half year ended

March 31, 2018.

In compliance with the requirement of Regulation 52(5) of SEBI (Listing Obligations and Disclosure

Requirements) Regulations, 2015 (“Listing Regulation”), we hereby submit the Certificate signed by

debenture trustee that it has taken note of the content mentioned under Regulation 52(4) of Listing

Regulation.

Thanking You,

Yours truly,

For Home Credit India Finance Private Limited

Mr. Gaurav Sharma

Company secretary

CS Membership No. A21729

Enclosed: Certificate from Debenture Trustee

GAURAV SHARMA

Digitally signed by GAURAV SHARMA DN: c=IN, o=Personal, postalCode=201001, st=Uttar Pradesh, 2.5.4.20=87dc1a2ca472700e4ba95d8e70e3143c71f12baf690a6d7713f0161168e1c10b, serialNumber=ca74094b2c5eae2dfcbbc3bedd5ef6347d1548615b014008e21aab38bffba1df, cn=GAURAV SHARMA Date: 2018.05.30 13:37:16 +05'30'

CATALYSTBelieve in yourself," Trust us!

No.CTL/DEB/l 8—19/Noting Certificate

May 30, 2018

To Whomsoever It May Concern,

CERTIFICATE FOR RECEIPT AND NOTING OF INFORMATION

[Pursuant to Regulation 52(5) of the Securities and Exchange Board oflndia (Listing Obligationsand Disclosure Requirements) Regulations 2015]

We, Catalyst Trusteeship Limited (“Debenture Trustee”) hereby confirm that we have receivedand noted the information, as specified under regulation 52(4) of Securities and Exchange Board

of India (Listing Obligations and Disclosure Requirements) Regulation, 2015 (“Regulations”),provided to us by Home Credit India Finance Private Limited (“the Company”) for the Half

year ended March 3 l, 2018.

This Certificate is being issued pursuant to the requirements of regulation 52(5) of the aforesaid

Regulations, for onward submission to Stock Exchange(s) by the Company.

For Catalyst Trusteesh' ,L'mited

Min

Authorised Signat

CATALYST TRUSTEESHlP Lan‘ED (VORMERLV GDA [RUSYEESWP LIMIYED)A” 50900] CDIHDHUY

Mumbal Office Office No. 133 - E7, 8H) Floor, 8 Wing, Miltal Tower, Nariman Point, Mumbal 400 021 191491 (02214922 0555 Fax +91 (022) 4922 0505

Regd, Office GDA House, Plot No. 85, Bhusari Colony (Right), Paud Road, Pune 411038 Tel +91 (020) 25280031 Fax +91 (020) 25280275

Delhl office Office NO. 213. 2nd floor.NavIang House. 21 Kastuvba Gandhi Marg. New Delhi- 110 001. Tel. 01143029101.

CIN N0, U749999N1997PLC110252 Emall dttobctltvusteecom website www.calalysttrustee.comPune [ Mumbal | Bengaluru l Delhi l Chennal

B S R & Associates LLPChartered Accountants

Building No.10, 8th Floor, Toweni'i telephone 'l 91 124 719 1000

DLF (thor City, Phase ' 1| Fax: ‘1‘ 91 124 235 8613

(Surngram ~ 122 002. India

Independent Auditor’s Report on Annual Financial Results of Home

Credit India Finance Private Limited for the year ended

31 March 2018 pursuant to Regulation 52 of the Securities and ExchangeBoard of India (Listing Obligations and Disclosure Requirements)

Regulations, 2015

To the Board ofDirectors of

Home Credit India Finance Private Limited

We have audited the accompanying annual financial results of Home Credit India Finance Private

Limited (‘thc Company’) for the year ended 31 March 2018 (‘the Financial Results’), attached

herewith, being submitted by the Company pursuant to the requirements of Regulation 52 ol‘ the

Securities and Exchange Board of India (‘thc SEBI’) (Listing Obligations and Disclosure

Requirements) Regulations, 2015 as amended (the ‘Listing Regulations’). Attention is drawn to

the fact that the figures for the halfyear ended 31 March 2018 and the corresponding ball’ year

ended in the previous year as reported in these Financial Results are the balancing figuresbetween audited figures in respect ofthe full financial year and the published year to date figures

upto the end of the first halt‘year of the relevant financial year. The figures upto the end of the

first half year had only been reviewed and not been subjected to audit.

These Financial Results have been prepared on the basis of the annual financial statements and

reviewed halfycarly financial results upto the end 01"th ‘t halfyear which are the responsibilityofthe Company’s management. Our responsibility is to express an opinion on these Financial Results

based on our audit ofsuch animal financial statements, which have been prepared in accordance with

the recognition and measurement principles laid down in applicable Accounting Standards notified

under Section 133 of the Companies Act, 20l3 read with relevant rules issued thereunder and other

accounting principles generally accepted in india and in compliance with Regulation 52 of the

Listing Regulations

We conducted our audit in accordance with the auditing standards generally accepted in India. Those

Standards require that we plan and perform the audit to obtain reasonable assurance about whether

the financial results are free ofmaterial misstatement(s). An audit includes examining, on a test basis,

evidence supporting the amounts disclosed as financial results. An audit also includes assessing the

accounting, principles used and significant estimates made by management. We believe that our audit

provides a reasonable basis for our opinion.

my

l’. S R l’tAss

in I innwd Liability l’ar

/ No. MU~81821 With ottotil ilom October 1/1, 2013

aw”

B S R & Associates LLP

In our opinion and 101110, hcsl ofour information and according to the expianations given 10 us, these

Financial Results:

1. have been presented in accordance with the rcquircmems of Regulation 52 of the Lisiing

Regulations in this; regard; and

iii give a true and fair View of 1116 net loss and other financial information for the year ended

31 March 2018‘

For B S R & Associates LLP

Chartered Accoumams

Firm’s Registration No.: 116231\}WW.10002Ar

£9”Anant Marwah

Place: Gurugram Partner

Date: 30 May 2018 Membership No.2 510549

Holm- (Tredil India Fimmce l’rilelc Limllcd

Regd. 0mm : Third Floor, Tower C DLII‘ lnflnily Towers. mm Cyhnr my - Phase II. Gumnuu, Ilnryana 422002, Website: wwammccrL-dihcolinClN: U659WHKI997l”|‘(,’047448

Smcmcul orl’mancials rvsults for the six rnumhs / ycnrendcd 31 March 20m

(Amlvmll in {NR muEilulcnmll ofmm‘ls and Llubllllies :16 1" 3| March 20:»

A: “I As a!

Particulars 3! Mnrch 2012i 31 March 2017

(Alulilcll) (Audited)HQUH'V 'AN 1) LIA BIIJ'I'HL‘

Sharulluhll‘rn' funds

53mm cnpl'lul 77,698 5 L2“Resm‘cx’und surplus 31mg 9345

129.628 60.582

Nllll>nlll'l'l:lll linbillllcs

_. Long-term borrowings 293,ll79 I I0,0625 Long-lam: provisions 5,240 2.842: 299,1 )9 I l2,904l

l (lerrml liablllflus

é shaman» bcrwwings 13,000 273005’l'mdu payablcs

’:(l1) ‘l‘aml oulslnnding dues armicm enlerprx‘ses and small enterprises 349 21(h) Tmzll nlllslflndillg dues ufcredilurs other than micro enterprises and small cnlcmn‘scs 10.319 5.5mOllld! cunum Iiabililies

46,835 )5,56IShall-(um provisions 30AM 13,630

100377 62.0l3

‘l’tllu!519.724 135.499

ASSH’I'S

Nullwxlrrnrll.aSXela

Fixjcd users

- Properly, plant and ,cquipmenl [4,165 8,926» lnlangihlc asscls

l l,670 l0,3l0Capital work in progress

. 422-

Intangiblr; nsscls under developmcn‘l s I 8 mslmw-laun lmlus and advanccs

I49,624 55,7l9(filler Ilnnvcuvredl usscls

553 2

‘17(),FUO 80‘544

Rfm'rcnl assets

'l’lmlc woulvnhlcs3.552 2,636

(hull and bank balances46‘276 6,044

Slum-Will» loans and advances187.397 [110,146

(mm. cuncm assetslit-69 6.129

352,894 154.955

'l‘ulnl529.714 235.499

For and un behnlrol llw Evans of Din-elm ur

llama (“mill lmll .l-‘uurnpu l'ri'

lJl‘lelyrl.

l'zwrl MamPlace: GurugimnDale: 30 May 2013 hm 0mm»)

‘llL

New 510%can

Hume Caulk Imlin Finance I’I'ivlllc Unmet)

chd. 0mm: 1 Third Flnm, 'I’owul' C DU" Infiully Towers, “LFCyber City . Phase ll, Gurgaun, Harylml 422001. Wclmhe: wwwmumecrcdilmojn

(TIN: U659IUHRI997PTCD47ME

Smicmen! offinum‘ixls rwum for Ihe six months (year ended 31 March 2018

Stan-m m KrLoss I r ~31 m 18 {.‘umummINleK, deM-I

Six mouth; Slx months chr mind Year andcd

Paniuuluv:

Rcvcnne

n {{vvmuc Tmm (refer to mm: (in 85,497 139,419win m new 8 050 10

Total revenueI49 97

unscy_

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bencfil‘

30 676 25.74 61 167finance cost 19,591 8 5‘) 30 993 ll 455

c‘

Hon’

’

5,293 3 719 0 950 9:1) I'm slundmd nnd nonmerfonning osmil 20,473 3,305 33,E(44 {3,750

debts

e)0|her_ 2| 1 I IN 39798 30 55

Mal97,974 64,245 175,752 104,293

(floss bvf’oremx l-2 (24.816) .055)"X ex

a Curranax

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Basic (BPS, 3)

mad BPS. 5.93]

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Home Credit mam l‘umuu; Mum: Limited

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yMncc Gumgmm Dirac/(11'

Dine. 30 Mn)‘ 2012; DIN: 06703589

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Notes to the Stntement otfinancial results for the six ttlnnths/ year ended 31 March 2018

The above financial results have been reviewed by the audit committee held on 28 May 2018 and approvedby the Board of Directors at its meeting held on 30 May 2018. The statutory auditors of the Company havecarried out an audit ofthe financial results for the year ended 31 March 2018 and an unmodified report hasbeen issued. The report is being filed with the Bombay Stock Exchange ("BSE") and is also available on the

The figures for the halfyear ended 31 March 2018 and 31 March 2017 as reported in these financial results

are the balancing figures between audited figures in respect ofthe full financial year and the published yearto date figures for the six months ended 30 September 2017 and 30 September 2016 respectively. The

figures for the halfyear ended 30 September 2017 and 30 September 2016 had only been reviewed and not

subjected to audit.

The above iinancials results have been prepared in accordance with the recognition and measurement

principles laid down under Section 133 ofthe Companies Act, 2013, read with Rule 7 ofthe Companies(Accounts) Rules, 2014 and of the accounting principles generally accepted in India.

The Company complies with the pmdential norms relating to income recognition, Accounting Standards,asset classification and the provisioning for standard, substandard, doubtful and loss assets, specified in the

directions issued by lhe RBI in terms of Non—Banking Financial Company ~ Systemically Important Non—;

Deposit taking Company and Deposit taking Company (Reserve Bank) Directions, 2016 (Prudential Norms)issued by RBI vidc Muster Direction DNBR. PD. 008/03.l0.ll9/2016—l7 dated 1 September 2016, as

amended irom lime to time and as applicable to the Company. Further, specific provisions are also

recognized based on management’s best estimate ofrecoverahility, .

The Company’s revenue recognition policies are in accordance with the Prudential Norms and AccountingStandards specified under Section 133 of the Companies Act, 2013, read with Rule 7 of the Companies(Accounts) Rules, 2014 for income recognition, Reversal ofincome has been netted offii‘om revenue from

operations.

(:1) Revenue fi'om operations comprises interest income on loans, Subvention income, processing fee and

other service charges,

(13) Other income comprises sales commission income, bad debt recoveries, interest income on fixed

deposits, not gain on foreign exchange transactions, advisory service income and excess interest spreadon securitization.

Basic and diluted earnings per share For the six months ended 31 March 2018 and 31 March 2017 have been

calculated for six months and not annualized.

:Q‘i‘“

8) Information under Regulation 52(4) of SEBI (Listing, Obligations and Disclosure Requirements)Regulations, 20 l S:

(a) The rating for non-convertible debentures is as under:

All Junmints; 51min I25. Lacs”Rating lSlN Outstanding Outstanding Rating as at 31 Rating as at 31

Agency as at as at March 20l8 March 201731 March 3| March

2018_, 201,7

CRISIL lNE172V07046 22,500 22,500 BBB+/S'TABLE BBB/STABLE

CRISIL‘

11001721107055 25,000 25,000 BBBHSTABLE‘

BBB/STABLE

”CARE *INE172v‘07012‘ 18,750 18,750 BBB STABLE 1313+ STABLE

CARE'

_mEi72v07020 18,750 18,750 BBB STABLE_

1313+ STABLE"CARE

‘

.INEl72V07038 22,500‘ ”

131313 STABLE 313+ STABLE

“010511, [NE 1 72V0706l 35,000 13131; 1/8’1‘ABLE .

13111511, INE172V07079 37,500’

BBBHSTABLE .

CRlSlL 1NE172V07OB7 22,500 ,

‘

Ram/STABLE 5

CRlSIL 1N5172v07103 22,200CRISIL lNEl72VO7l 11 40,000 EHBHSTABLE .

CRISIL lNEl72VO7095‘ 10,000 BBB-l-ISTABLE .

“‘"émsm lNEl7ZV0805] 5,000 BBBHSTABLE ~

cmsn NE 1 72v07129 7,500 BBB HSTABLE

Tom 287.200”

,,,,,,,,,,,,,,,,,

(17) Following is the infonnation regarding interest and principal repayment chum-convertible debentures:

All amounts-11m- in Rs. 1,1105”HISIN Quantity Outstandi Previous Actual Nextdue. Nextdnc Principal

as M ng as at due date date of date for date for Repayment31 March 31 March for payment payment payment Amount

2018 20l8 payment of of

oflnlercst lnterest Interest PrincipallNEl72VO7046 2,250» 22,500 30—Mar~l8 27~Mar-IS 29-Jun-18 13-Dec-19 22,500

"'1NE172V07053 2,500 25,000 30-00008 27~Mar~i$ 290011.18 31-Jan-20 25,0001N5172v07012’ 1,873“

“

[8,750 “'30-Miir—18 ar.18"‘29-Jun-18 02-Jul-19 ”“"'1”3,750"lNEI72V07020 1,875 111,750 30—Mar—111”27—1§4m.18 29-Jun—18 30512012 10,750115113172v07038'" 2,250 22,500 30~Marwl8 27.041040 294111148 31-Oct-19

““““

22,500“”1101:172v07001 3,500 35,000 30.Mar.18 Z7~Mar~l8 29-Jun~18 31001-20 35,000"lNE172V07079 37,500 ”30-Mar-18 27—Marvl8 29-Jun-l8 31~Aug~20 37,500lNEl72V07087 2,250 22,500 30-Mar~18 27-Mar-l8 29-10003? 31-Aug—20 22,5001NE172V07103 2,220 22,200 30-Mar~18 270431—121 29-Jun-l8 15-0c1~20

”

22,2001NE172v07111 4,000" 40,000 30-Mar-18” 27~M0r-I8 29-Jun-18 06-Nov-20 40,0001NE172V07005 2,500“ 10,000“ 11 1! 13-Jun-18 13—Dec—12 10,000lNEl72V08051 500 5,000 3l-Mar-18 270110.10 30—Jun-18 09~N0v~20 5,000

“1N5172v07129 750 7,500 1/ 0 27-Jun-18 27-Jun-l8 025?“Total 30,220 207200

L"""

280,325fl No due date before 3] March 2018.Note: No principal repayment has been paid during financial year 2(>l7~20|82

,

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it it.

(c) As at 31 March 20l8, the Company has outstanding Secured Redeemable Non~convert1blc debentures

amounting to Rs. 282,200 lakhs. The said non—convertible debentures are secured by an adequate asset

cover by way of creation of floating charge by liyputheeation on the receivables of the Company. The

Company also has Unsecured Redeemable Non—convertibIe debentures amounting to Rs. 5,000 Iakhs as

at the year end.

((1) As at 31 March 2018, Debt equity ratio (‘DER’)= Debt [long term debt 1- short term debt} / Equity [paid

up equity share capital and reserves and surplus]= 2.54 times

(0) As at 31‘ March 2018, the Net Worth (‘NW’) =Paid up equity share capital + Reserves and

surplus 2 Rs. 129,628 laldts

(1) Net Loss after tax for the year ended 31 March 2018: Rs. 26,055 lnkhs

(g) Basic and Diluted Earnings / (Loss) per share on 31 March 2018: (Rs. 3.91)

(11) Capital Redemption Reserve IDebenture Redemption Reserve as at 31 March 2018: debenture

redemption reserve is not required in respect of privately placed debentures in terms of rule 18 (7)(b)(ii)ot‘Compunies (Share Capital and Debenture) Rules, 2014.

(i) Outstanding Redeemable Preference Shares as at 31 March 2018: Nil

9) Reserve and surplus includes Securities premium, Statutory reserve as per Section 45—1C of the ReserveBank nflndia Act, 1934 and accumulated losses.

’

10) The Capital to Risk Asset Ratio at 31 March 2018 is 26.33% (23.88% at 31 March 2017).

l 1) The Gross NPA percentage ofthe Company at 31 March 2018 is 5.61% (4,1 1% 21131 March 2017), The net

NPA percentage ofthe Company at 31 March 2018 is 1.20% (0.76% at 31 March 2017),

12) Previous period/ ycar(s) figures have been regrouped / reclassified, wherever necessary to confirm to

current period/ year cIussifieaiions.

For and on belialfofthe Board of Directors of

Home Credit-,1) din Finance Private Limited

WK2: “55%;,

‘1‘:

OD/

“MesogjfgM

Pavel Mnco

Director

D1N:O6703589

\

"d

Place: GurugramDate: 30 May 2018

Home Credit India Finance Pvt. Ltd. (formerly known as Rajshree Auto Finance Pvt, Ltd.)

Reg. fo.: Third Floor, Tower C, DLF Infinity Towers, DLF Cyber City,

Phase—II, Gurugram, Haryana » 122002

ClN: U65910HR1997PTC047448, Tel. No.:- 4 91 124 4907600

Web: www.homecredit,co.in Email: [email protected]

Ref No. HClN/LC/2018-19/1]

May 30, 2018

To,

The General Manager,Department of Corporate Sen/ices,BSE Limited,lst Floor, New Trading Ring,Rotunda Building, Pl Tower,

Dalai Street, Fort, Mumbai- 400001.

Sub: Disclosures pursuant to Regulation 5214-] & [5| of SEBI [Listing Obligations and Disclosure

Re uirements Re ulation 2 for the ear ended March 31 2018.

Dear Sir/ Madam,

In compliance with the requirement ofRegulation 52(4) & 52(5) ofSEBl [Listing Obligations and Disclosure

Requirements) Regulations, 20 15, we hereby submit the below stated information as on March 3 1, 2018 in

respect of the following NonvConvertible Debenture (NCDsJ of INR 1,000,000 each issued by the Company:

S. Description of NCDs Amount of Scrip Code [SIN No.

No. NCDs

(In [NR lacs)1 Listed, Rated, Secured and Redeemable 18,750 954240 INE172V07012

Non-Convertible Debenture

[Tranche 1)2 Listed, Rated, Secured and Redeemable 18,750 954863 INE172V07020


(Tranche —2]3 Listed, Rated, Secured and Redeemable 22,500 955022 INE172V07038

Non—Convertible Debenture

(Tranche —3)4, Listed, Rated, Secured and Redeemable 22,500 955367 INE172V0704—6


[Tranche 4)5 Listed, Rated, Secured and Redeemable 25,000 955587 INEl72V07053


(Tranche -5)6 Listed, Rated, Secured and Redeemable 35,000 956730 iNE172V07061


(Tranche —6)7 Listed, Rated, Secured and Redeemable 37,500 957096 INE172V07079


(Tranche -7)8 Listed, Rated, Secured and Redeemable 22,500 957095 lNE172V07087

Non~Convertible Debenture

(Tranche —B)9 Listed, Rated, Secured and Redeemable 22,200 957265 lNE172V07103


(Tranche ~9)10 Listed, Rated, Secured and Redeemable 40,000 957663 INE172V07111


(Tranche —10)11 Listed, Rated, Secured and Redeemable 7,500 957789 INE172V07129


Mahindra (Domestic)

'

Home Credit India Finance Pvt. Ltd. (formerly known as Rajshree Auto Finance Pvt Ltd.)

Regl Off; Third Floor, Tower C, DLF Infinity Towers, DLF Cyber City,

E? Phase—ll, Gurugram, Haryana - 122002

CIN: U65910HR1997PTC047448, Tel. No.:- +91 124 4907600

Web: wwwlhomecreditcoin Email: [email protected]

ENow qou.

mix.

a) Credit Rating of the Non—convertible debentures: There has been revision in rating of

tranche 4,5 & 6 during the halfyear ended March 31, 2018. The rating for these tranches

aggregating to INR 825 Crore has been revised by CRISIL Limited vide letter dated

October 06 2017. As perAnnexure — A,

1)) Asset cover available, in case of non-convertible debt securities : Not applicablefor NBFC

c) Debt-equity ratio: 2.54 times.

(1) Previous due date for the payment ofinterest/ repayment ofprincipal of non—convertible

debt securities:W

e) Next due date for the payment of interest/ repayment ofprincipal ofnon—convertible

debt securities: As perAnnexure - C.

0 Debt service coverage ratio :Not applicable for NBFC

g) Interest service coverage ratio: Not applicable for NBFC

h) Debenture Redemption Reserve (if applicable): Not applicable.

i) Net Worth: lNR 129 628 lacs.

j) Net Profit/ (loss) after tax: INR l26 055] lacs.

k] Earnings/ (loss) per share: INR [3.91).

l) A certificate from the Statutory Auditors in respect ofutilization of funds: Enclosed

m) A certificate regarding maintenance of hundred percent Asset Cover in respect to NCDs:

Enclosed

n] A certificate from Statutory Auditor giving the value ofbook debts/receivables: Enclosed

We request you to kindly take the above on record and oblige us.

Thanking You.

For Home Credit India Finance Private Limited

Gaurav Sharma

Company SecretaryCS Membership No: A21729

Enclosure:

- Certificate of Statutory Auditors in respect of utilization of funds.

0 Certificate regarding maintenance ofhundred percent Asset Cover in respect to NCDs.

o Certificate from Statutory Auditor giving the value of book debts/receivables

CC: - M/s Catalyst Trusteeship Limited

NOW 0’0“.Goth

Annexure - A

The credit rating for non-convertible debentures is as under:

Home Credit India Finance Pvt. Ltd. (formerly known as Rajshree Auto Finance Pvt. Ltd.)

Reg. 0ft: Third Floor, Tower C, DLF Infinity Towers, DLF Cyber City,

V Phase—II, Gurugram, Haryana — 122002

ClN: U6591OHR1997PTCO47448, Tel. No.:- +91 124 4907600

Web: www.homecredit.co.in Email: [email protected]

Rating agency NCDs Rating as at Rating as at March

Outstanding as September 30, 31, 2018

at March 31, 2017

2018

(Amount in INR

lacs )Credit Analysis and Research 18,750 CARE BBB; Stable CARE BBB; Stable

Limited (CARE) [Triple B Outlook (Triple B Outlook

(Tranch~1 ISIN:INE172V07012) Stable) Stable)Credit Analysis and Research 18,750 CARE BBB; Stable CARE BBB; Stable

Limited (CARE) (Triple B Outlook (Triple B Outlook

(Tranch~2 ISIN:INE172V07020) Stable) Stable)

CreditArialysis and Research 22,500 CARE BBB; Stable CARE BBB; Stable

Limited (CARE) [Triple B Outlook (Triple B Outlook

(Tranch-3 ISIN: INE172V07038) Stable) Stable)CRlSlL Limited 22,500 CRISIL BBB CRlSlL BBB+/Stable;

(Truman-4 ISIN: INE172V07046) Stable (Triple B (Triple B plus;

Stable) Outlook: Stable)CRISIL Limited 25,000 CRlSlL BBB CRlSlL BBB+/Stable;

(TranCh-S ISIN: [NE] 72V07053) Stable (Triple B (Triple B plus;

Stable) Outlook: Stable)CRlSlL Limited 35,000 CRISIL BBB CRlSlL BBB+/Stable;

[Tranch-G 15m: INE172V07061) Stable (Triple E (Triple B plus;

Stable) Outlook: Stable)CRISIL Limited 37,500 Unrated* CRISIL BBB+/Stable;

(Tranch-7 ISIN: lNE172V07079) (Triple B plus;Outlook: Stable)

CRlSIL Limited 22,500 Unrated* CRlSlL BBB+/Stable;

(Tranch-B ISIN:INE1 72V07087) (Triple B plus;Outlook: Stable)

CRISIL Limited 22,200 NAW CRISIL BBB+/Stable;

(TranCh—9 ISIN: INEZ 72V07103} (Triple B plus;Outlook: Stable)

CRlSlL Limited 40,000 NA** CRISIL BBB+/Stable;(Tranch-10 ISIN: INEZ 72V071 1 1} (Triple B plus;

Outlook: Stable)CRlSlL Limited 7,500 NA** CRlSlL BBB+/Stable;

(Tranch-13-Mahindra Domestic (Triple B plus;ISIN: INE1 72V07129) Outlook: Stable)

*NCD tranches ofINR 37,500 lacs [Tranche-7} and INR 22,500 lacs [Tranche-8) were unlisted, unrated as at September

30, 2017. Further, these tranches were subsequently rated by CRISIL Ltd an Oct 06, 2017 and listed on ESE on November

01, 2017.

”MD tranches of INR 22,200 lacs (Trancl1e<9}, INR 40,000 lacs (Tranche-10), and INR 7,500 lacs (Maliindra~Domestic}were issued and allotted during the halfyear ended on March 31, 2018.

Annexure - B

"I“No.9.» (40“,

wk

Home Credit India Finance Pvt. Ltd. (formerly known as Rajshree Auto Finance Pvt Ltd.)

Reg, Off.: Third Floor, Tower C, DLF Infinity Towers, DLF Cyber City,

Phase~ll, Gurugram, Haryana— 122002

CIN: U65910HR1997PTC047448, Tel. N0.:- +91 124 4907600

Web: www.homecredit.co.in Email: [email protected]

Detail ofpayment ofinterest 8:. redemption during last half year ended March 31, 2018:

INE1 72V07129)

(Amount in INR lacs)

Tranches Listed/ Type Due date of Amount Actual date of

Unlisted [Principal/ payment (INR) payment

Interest)

[Tranch—l ISIN: Listed Interest December 29,2017 603.03 December 29,2017

INE172V07012) March 30, 2018 603.03 March 27, 2018

Principal July 02, 2019 18,750 Not Applicable

(Tranch-Z ISIN: Listed Interest December 29, 2017 584.33 December 29, 2017

INE172V07020) March 30, 2018 584.33 March 27,2018

Principal September 30, 2019 18,750 Not Applicable

('l‘ranch-3 ISIN: Listed Interest December 29, 2017 701.75 December 29, 2017

INE17ZV07038) March 30, 2018 701.75 March 27, 2018

Principal October 31, 2019 22,500 NotApplicable

(Tranch-4 ISIN: Listed Interest December 29, 2017 684.93 December 29, 2017

INE172V07046) March 30,2018 684.93 March 27,2018

Principal December 13, 2019 22,500 Not Applicable

(Trench—S ISIN: Listed Interest December 29, 2017 702.44 December 29, 2017

INE172V07053] March 30,2018 702.44 March 27,2018

Principal January 3 1, 2020 25,000 Not Applicable

(Tranch-G ISIN: Listed Interest December 29, 2017 1051.48 December 29, 2017

INE172V07061) March 30,2018 1051.48 March 27,2018

Principal Iuly 3 1, 2020 35,000 Not Applicable

(Tranch-7 ISIN: Listed Interest December 29, 2017 1128.46 December 29, 2017

INE172V07079) March 30,2018 1128.46 March 27,2018

Principal August 3 1, 2020 3 7,500 Not Applicable

[Tranch-B ISIN: Listed Interest December 29, 2017 668.66 December 29, 2017

lNE172V07087) March 30, 2018 668.66 March 27, 2018

Principal August 31, 2020 22,500 Not Applicable

[Tranch-9 ISIN: Listed Interest December 29, 2017 627.39 December 29, 2017

INE172V07103] March 30, 2018 679.67 March 27, 2018

Principal October 15, 2020 22,200 Not Applicable

[Trench—10 Listed Interest December 29, 2017 954.73 December 29, 2017

ISIN: March 30, 2018 1316.38 March 27, 2018

INE172V07111) Principal November 06,2020 40,000 Not Applicable

[Trench-13 Listed Interest -- -— --

Mahindra Principal -— -- ~«

Domestic ISIN:

ref no. hcin/lc/2018-19/12 - home credit india’: (l1) ‘l‘aml oulslnnding dues armicm...

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