(Maturity V alue)Period (Months) Rate of Interest (p.a.)* Maturity Value # ( ` )

12 8.50% 12,553

24 8.50% 26,172

36 8.50% 40,950

48 8.50% 56,983

60 8.50% 74,379

Product Features:

● Monthly Savings Plan: RD is a monthly savings plan where one can save as little as ` 2000 per month and accumulate a larger

capital for future needs.

● Convenience: RD provides the convenience of ECS (Debit clearing) facility where the monthly savings amount is automatically

transferred from the depositor’s bank account to the RD account every month on pre-determined dates.

● Flexibility: Depositor has the flexibility to choose any deposit period between 12 and 60 months to plan the future needs.

● Accumulation of interest: Interest will be accrued and credited (net of TDS) on 31st March every year.

Our loan facilities : Housing loans, Home Improvement loans, Home Extension loans,Loans to Professionals and much more

‘FAAA’ & ‘MAAA’ rating affirmed for 20 consecutive yearsby CRISIL & ICRA respectively .

Credit Rating 'A A A'

Interest Rates are subject to change and the rate applicable wouldbe the rate prevalent on the date of deposit.

RECURRING DEPOSITS (RD) PLAN

RATES EFFECTIVE FROMJANUARY 23, 2015

HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED

Regd. Office: Ramon House, H T Parekh Marg, 169, Backbay Reclamation, Churchgate, Mumbai 400 020.

Phones: 022-67546060 (for Deposits only) Toll Free No. 1-800-22-2022 (From MTNL & BSNL Phones)

CIN: L70100MH1977PLC019916 www.hdfc.com

Period (Months) Rate of Interest (p.a.)

12 - 60 8.50%

Minimum Monthly Savings Amount - ` 2000/-

(Fixed Rate Option)

* Interest is compounded annually on March 31.

# Subject to (a) TDS where applicable (b) receipt of funds on 1st day

of every month (c) Monthly Installment Amount ` 1000/-

HOW TO OPEN THE ACCOUNT

To open the account, one needs to submit the following

• Deposit application form, along with KYC documents

• Account Payee cheque for the initial monthly savings amount drawn in favour of HDFC Ltd.

• ECS (debit clearing) Mandate for the subsequent deposit installments.

Terms & Conditions

DEPOSIT CAN BE PLACED BYResident Individuals and Hindu Undivided Family. This plan is available only at those centres

where ECS/Debit Clearing facility is available.

MODE OF ACCEPTANCE & OPERATIONResident Individuals can open the RD account by remitting the first month’s savings amount

through an account payee cheque drawn in favour of HDFC Ltd, along with duly filled-in

application form and ECS (debit clearing) Mandate. The subsequent month’s savingsinstallments will be directly transferred through the ECS (debit clearing) system on pre-

determined dates every month as indicated in the application form/mandate. HDFC will issue

a Deposit Receipt for the initial deposit amount at the time of opening the account indicatingterms of the deposit. A consolidated statement of account giving details of all transactions will

be sent annually as of 31st March.

List of cities where ECS (debit-clearing) facility currently available is provided on the

reverse of the ECS Mandate Form.

Pre-determined date for installment payment

1st, 11th, 21st of every calendar month or next working day in case the date falls on any bank

holiday or Sunday.

INTERESTFixed rate option: Interest rate under this plan would be fixed for the entire period of the deposit.

Interest will be computed on each installment amount from the respective deposit date until

March 31st / maturity date and credited (net of TDS, if any) to the deposit account. Interest forthe subsequent year/s would be computed on the accumulated balance (principal and interest)

as of March 31st until the next March 31st or maturity date whichever is earlier.

DEDUCTION OF INCOME TAX AT SOURCE (TDS)

Income tax will be deducted at source under Section 194A of the Income Tax Act, 1961, at the

rates in force. If the depositor is not liable to pay income tax and the interest to be paid/credited

in a financial year does not exceed the maximum amount which is not chargeable to incometax, the depositor may submit a declaration in Form No. 15G so that income tax is not deducted

at source. In such cases, PAN (Permanent Account Number) must be quoted in Form 15G,

else the form is invalid. Senior Citizens (60 years and above) may submit a declaration inForm No. 15H.

Section 139A(5A) of the Income-tax Act, 1961 requires every person receiving any sum or

income from which tax has been deducted to intimate his PAN to the person responsible for

deducting such tax. Further, 139A(5B) requires the person deducting such tax to indicate thePAN on the TDS certificate.

In case PAN is not mentioned, the rate of TDS would be 20% as per section 206AA(1) of theIncome-Tax Act, 1961. In case of deposits of ` 50,000 and above, it is mandatory to furnish

PAN.

PREMATURE WITHDRAWAL

Request for premature withdrawal may be permitted at the sole discretion of the

Corporation only and cannot be claimed as a matter of right by the depositor, subject tothe Housing Finance Companies (NHB) Directions, 2010 as applicable from time to time.

Premature withdrawal will not be allowed before completion of 3 months from the date ofdeposit. In case of request for premature withdrawal after the expiry of three months, the rates

given in the following table shall apply.

We also accept Deposits from Religious Trusts, Educational Institutions & Charitable Trusts

For HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED

VALID SUBJECT TO REALISATION OF CHEQUE Authorised Signatory

PROVISIONAL RECEIPTwww.hdfc .com Date: _____________________

Received from _________________________________________________ cheque / HDFC Deposit Receipt No. __________________________________ for

` ________________ dated ___________ drawn on ________________________________________________ Bank _______________________ Branch for HDFC

Recurring Deposits Plan (RDP) for a period of _____ months @ _______% per annum

When the date of maturity falls on any day on which HDFC's office remains closed the repayment

will be made on the next working day. Repayment of deposit will be made by crediting the

amount directly to first depositor's bank account through NEFT.

NOMINATION FACILITY

Individual depositor/s, singly or jointly, can nominate a single person under this facility. In casethe deposit is placed in the name of a minor the nomination can be made only by a person

lawfully entitled to act on behalf of the minor. Power of attorney holder or any person acting in

representative capacity as holder of an office or otherwise cannot nominate. The nomineeshall have the right to receive the amount due in respect of the deposit and payment by HDFC

to the nominee shall constitute full discharge to HDFC of its liabilty in respect of the deposit.

Nominees' name will be printed on the Fixed Deposit receipt, unless mentioned otherwise.

'KNOW YOUR CUSTOMER (KYC)' COMPLIANCEIn terms of the Prevention of Money Laundering Act, 2002, the rules notified thereunder and

KYC Guidelines issued by the National Housing Bank (NHB), every depositor is required to

comply with the KYC requirements by submitting the following documents:a) Latest photograph

b) Certified copy of the proof of identify

c) Certified copy of the proof of addressIn case the depositor has already submitted the above documents in his earlier deposit, then

he need not submit the above documents again, but has to provide the reference of his customer

number or deposit number.

GENERAL

In the event of death of the first / sole depositor the repayment of deposit and payment ofinterest will be made to the joint depositor first in order of survivor/s / nominee on submission

of death certificate without reference to the heirs and/or legal representatives of the deceased.

Any discharge given by the first-named depositor for principal and/or interest will be valid and

binding on all joint depositors. Deposits with HDFC are not transferable. Applications shouldbe complete in all respects and HDFC has a right to accept or reject any application without

notice, subject to the Housing Finance Companies (NHB) Directions, 2010.

Shareholders, Home Loan customers, customers referred by staff and high value depositors

may be offered an additional interest rate as decided by management from time to time. Incase such deposits are generated through our authorised agents, commission on such deposits

would be adjusted appropriately.

The Corporation has been assigned a rating of 'FAAA' by CRISIL and 'MAAA' by ICRA for its

fixed deposits.

Total amount of exposure including the non-fund based facilities, to companies in the samegroup or other entities or business ventures in which directors and/or the Corporation are

holding substantial interest as on March 31, 2014 was ` 13,744.66 crores.

The deposits solicited by the Corporation are not insured.

HDFC has a right to change, amend, add or delete the terms and conditions without notice,

subject to the Housing Finance Companies (NHB) Directions, 2010, as applicable, from timeto time.

In case of any deficiency of the Corporation in servicing its deposits, the depositor may approach

the National Consumers Disputes Redressal Forum, the State Level Consumers DisputesRedressal Forum or the District Level Consumers Dispute Redressal Forum for relief.

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 authorised officer of

the National Housing Bank.

The financial position of the Corporation as disclosed and the representations made in theapplication form are true and correct and that the corporation and its Board of Directors are

responsible for the correctness and veracity thereof.

The deposit acceptance activities of the corporation are regulated by the National Housing

Bank. It must, however, be distinctly understood that the National Housing Bank does notundertake any responsibility for the financial soundness of the Corporation or for the correctness

of any of the statements or the representations made or opinions expressed by the Corporation,

and for repayment of deposit/discharge of liabilities by the corporation. HDFC Depositsprogramme is designed in accordance with NHB Regulations with the objective to channelise

resources for housing.

FOR AUTHORISED AGENTS

Agents are not authorised to accept cash from depositors or issue receipt on behalf of HDFC

for deposits. Please ensure that your name and code number is clearly mentioned in the boxprovided in the Application Form to enable payment of brokerage. Application Forms received

without your name and code number will not be considered for payment of brokerage. Ensure

that Bank Mandate filled in by the depositor is dully filled in and signed by the depositor forremitting subsequent installments. The mandate form has to be attested by the depositor's

bank and should be submitted to HDFC along with application for further action. Brokerage

will be paid to Authorised Agents at the rate decided by the management.

"A LITTLE SAVING TODAY FOR A SECURE TOMORROW"

The interest payable shall be 1% lower than the interest rate applicable

for the period for which the deposit has run or if no rate has beenspecified for that period, then 2% lower than the minimum rate at which

the public deposits are accepted by HDFC. The interest rate applicable

for the period for which deposit has run would be considered asapplicable on the respective interest reset dates.

Months completed fromthe date of deposit

Rate of Interest Payable

After 6 months but beforethe date of maturity

The maximum interest payable shall be 4% per annum for individualdepositor, and no interest in case of other category of depositors.

After 3 months butbefore 6 months

The brokerage is paid upfront for the entire period of deposit to our authorised agent. In case

of premature withdrawal the brokerage is payable for the period completed and excessbrokerage paid will be recovered from the deposit amount.

RENEWAL AND REPAYMENT OF DEPOSIT

For renewal or repayment of deposit, the duly discharged deposit receipt must be surrendered

to HDFC before the date of maturity. In case of renewal, the prescribed application form signedby all depositors is also required to be submitted simultaneously.

APPLICATION FORM FOR RECURRING DEPOSITS (RD) PLAN

Date : __________________

I/We apply for opening a deposit account under Recurring Deposits Plan at Branch for a period of months.

PLEASE USE BLOCK LETTERS AND TICK ✓ IN APPROPRIATE PLACES (PREFERABLY IN BLACK INK)

Rate of Interest (On the date of opening deposit): % p.a.Interest Rate Option : • Fixed Rate (for 12-36 Months) • Variable Rate (for 48-72 Months)

CATEGORY : Member of public Share holder Director/Relative of Director Employee

Tax to be deducted Yes NoIf No please furnish form no.15 G/H immediately.(Pan is compulsory on Form 15G or Form 15H)

ADDRESS OF FIRST/SOLE DEPOSITOR

City: Pin:

Mobile:

E-mail:

Agent’s Name:

Code No.:

Depositor's Name (in Block Letters)

1. First / SoleGuardian's Name(in case of Minor)

2. Second

Date of BirthCompulsory

GenderM / F

Income-tax Permanent Account No. (PAN) for

1st Depositor :

If ‘KNOW YOUR CUSTOMER (KYC)’ information is already submitted, Please Mention Your Customer Numberfor First Depositor: OR Kindly Submit Proof of Identity and Residence for our records.

Proof of Identity (Submit ANY ONE of the following certified document s)

Passport Photo PAN Card Driving License

Voter's Identity Card UID / Aadhaar Card

Any other Identification with Photograph (Subject to satisfaction of HDFC)

Proof of Address (Submit ANY ONE of the following certified document s)

Latest Telephone Bill Latest Electricity / Gas Bill

Latest Bank Account Statement Latest Demat Account Statement Ration Card

Registered Rent Agreement Any other Address Proof (Subject to satisfaction of HDFC)

I/We hereby declare that the first named depositor is the beneficial owner of this deposit and as such he/she should be treated as the payee for the purposeof tax deduction under Section 194A of the Income Tax Act, 1961. I/We hereby agree to abide by the attached terms and conditions governing this deposit plan.I/We have gone through the financial and other statements/particulars/representations furnished/made by the Corporation and after careful consideration I/Weam/are making the deposit with the Corporation at my/our own risk and volition.I/We further declare that, I/We am/are authorized to make this deposit and that the amount kept in the deposit is through legitimate source and does not involvedirectly or indirectly any proceeds of schedule of offence and/or is not designed for the purpose of any contravention or evasion of the provisions of thePrevention of Money Laundering Act, 2002 and any Rules, Regulations, Notifications, Guidelines or Directions thereunder, as amended from time to time. I/We shall provide any further information and fully co-operate in any investigation as and when required by the Corporation in accordance to the applicable Law.I/We further affirm that the information/details provided by me/us is/are true and correct in all respect and nothing has been concealed.

The above Bank account information must match with the ECS (debit clearing) Mandate given to HDFC towards monthly contributions into the RD account. Also please note that HDFC will credit the repayment proceeds (including accumulatedinterest) to the above bank account upon the depositor submitting discharged receipt for the same.

First/Sole/

Guardian :

Second :

Cheque No.:

PAYMENT DETAILS

Installment Amount Rs.:

Dated :

Bank Account No.

IFSC Code :

MICR Code :

Name of the Bank : Branch :

BANK DETAILS

SIGNATURE OF DEPOSITOR(S)

MANDATE FORM FOR ECS (DEBIT CLEARING)I/We hereby, authorise HDFC Ltd. and their authorised service providers to debit my/our following bank account by ECS (Debit Clearing) for collection of RD monthly savings amount.

I hereby declare that the particulars given above are correct andcomplete. If the transaction is delayed or not effected at all for reasonsof incomplete or incorrect information, I would not hold the userinstitution responsible. I have read the terms and conditions of thisproduct and shall abide by the same and agree to discharge theresponsibility expected of me as a participant under the scheme.

Ref No.:

Bank Name

Branch Name Bank City

Account Number Account T ype Savings Current

9 Digit MICR Code (Please enter 9 digit number that appears after the cheque number)

Accountholder Nameas in Bank Account

AccountHolder's Signature/s(As in Bank Records)

Signature of Authorised Official from Bank (Bank Stamp and Date) Bank Account Number

BANKER'S ATTESTATION (FOR BANK USE ONL Y)

Certified that the signature of account holder and the details ofBank account and its MICR code are correct as per our records.

✄✄

*There should be a minimum gap of 20 days and a maximum of 50 days between the account opening date and the first installment of RD through ECS (Debit Clearing)

Name of the Scheme Date of Effect (Tick the date) Periodicity Amount of Installment Number of Installments Start Date* End Date

Recurring Deposits Plan 1st 11th 21st Monthly

Affix a latestphotograph.

(DO NOT STAPLE)

IGNORE if alreadysubmitted earlier

Email/SMS alerts for all transactions relating to my

deposit/s with HDFC may be sent to the following:

STATUS: Resident Individual Hindu Undivided Family DEPOSIT REPAYABLE T O: First Depositor First Depositor or Survivor/s

Agents are not permitted to accept cash with application form and issue receipt. HDFC will in no way be responsible for such or other wrong tenders.

HOUSING DEVELOPMENT FINANCE CORPORATION LIMITEDRegd. Office: Ramon House, H T Parekh Marg,169, Backbay Reclamation, Churchgate, Mumbai 400 020.CIN: L70100MH1977PLC019916 www.hdfc .com

ANANDARAMAN RMA/36829

Agra

Ahmedabad

Allahabad

Amritsar

Anand

Asansol

Aurangabad

Belgaum

Bengaluru

Bhavnagar

Bhilwara

Bhopal

Bhubaneshwar

List of cities where ECS (debit clearing) facility is currently availableG

146/

01/1

5/25

Nomination under Section 36B of the National Housing Bank Act 1987 and Rule 2(1) of the Banking Companies (Nomination) Rule1985 in respect of HDFC deposits. I/We nominate the following person to whom in the event of my / our / minor's death the amountof this deposit may be returned by HDFC Ltd. and Nominees' name shall/shall not be printed on the Fixed Deposit receipt.

* As the nominee is a minor on this date, I/We appoint (Name, address & age)

to receive the

amount of the deposit on behalf of the nominee in the event of my / our / minor's death during the minority of the nominee.

* Leave out if nominee is not a minor. Where deposits are made in the name of a minor, the nomination should be signed by a person lawfully entitled to act on behalfof the minor.

Names and Addresses of witnesses for nomination.(Only in case of Thumb impression(s))

FORM DA - 1NOMINATION (Must be signed by the depositor(s) & witnessed)

SIGNATURE OF DEPOSITOR(S) FOR NOMINATION

FIRST/SOLE/GUARDIAN : _______________________________

SECOND : _______________________________

Name of NomineeFlat No. &Bldg. Name

Road No. / Name

City Pin Code

State Tel./Mobile

Relationship with Depositor (if any) Age of nominee Date of Birth of nominee (if minor)*

Place & Date

Signature of witness(es)

Place & Date

Signature of witness(es)

1) 2)

FOR OFFICE USE ONLY

Deposit Receipt No. Stationery Serial No. Date of Receipt Date of Deposit Checked by Authorised by

Bijapur

Bikaner

Burdwan

Chandigarh

Chennai

Coimbatore

Cuttack

Davangere

Dehradun

Dhanbad

Durgapur

Ernakulum

Erode

Gadag

Gangtok

Gorakhpur

Gulbarga

Guwahati

Gwalior

Haldia

Hassan

Hubli

Hyderabad

Imphal

Indore

Jabalpur

Jaipur

Jalandhar

Jammu

Jamnagar

Jamshedpur

Jodhpur

Kakinada

Kanpur

Kolhapur

Kolkata

Kota

Kozhikode

Lucknow

Ludhiana

Madurai

Mandya

Mangalore

Mumbai

Mysore

Nagpur

Nashik

Nellore

New-Delhi

Panaji

Patna

Puducherry

Pune

Raichur

Raipur

Rajkot

Ranchi

Salem

Shillong

Shimla

Shimoga

Sholapur

Siliguri

Surat

Thiruvananthapuram

Tiruchirapalli

Tirunelveli

Tirupati

Tirupur

Thrissur

Tumkur

Udaipur

Udupi

Vadodara

Varanasi

Vijayawada

Visakhapatnam

PARTICULARS AS REQUIRED UNDER NON BANKING FINANCIALPARTICULARS AS REQUIRED UNDER NON BANKING FINANCIALPARTICULARS AS REQUIRED UNDER NON BANKING FINANCIALPARTICULARS AS REQUIRED UNDER NON BANKING FINANCIALPARTICULARS AS REQUIRED UNDER NON BANKING FINANCIALCOMPCOMPCOMPCOMPCOMPANIES AND MISCELLANEOUS NON BANKING COMPANIES AND MISCELLANEOUS NON BANKING COMPANIES AND MISCELLANEOUS NON BANKING COMPANIES AND MISCELLANEOUS NON BANKING COMPANIES AND MISCELLANEOUS NON BANKING COMPANIESANIESANIESANIESANIES(ADVERTISEMENT) RULES 1977.(ADVERTISEMENT) RULES 1977.(ADVERTISEMENT) RULES 1977.(ADVERTISEMENT) RULES 1977.(ADVERTISEMENT) RULES 1977.

(a) Name of the Comp any: HOUSING DEVELOPMENT FINANCECORPORATION LIMITED (HDFC) (CIN: L70100MH1977PLC019916)

(b) Date of Incorporation: October 17, 1977(c) Business carried on by the Company and its subsidiaries with details of branches: HDFC

is a public limited company primarily engaged in the business of providing housing finance by creating an

institutional facility for meeting the needs of people for long-term finance for purchase/construction of

residential houses anywhere in India.

The Corporation has fifteen wholly owned and nine other subsidiaries viz.:l HDFC Developers Limited carries on the business of real estate development l HDFC Investments Limited carries on thebusiness of investments in stocks, shares, debentures and other securities l HDFC Holdings Limited carries on the business ofinvestments in stocks, shares, debentures and other securities l HDFC Trustee Company Limited acts as a Trustee for HDFCMutual Fund l HDFC Realty Limited is engaged in the business of real estate broking and related services l HDFC VenturesTrustee Company Limited acts as a Trustee for HDFC Property Fund l HDFC Property Ventures Limited is engaged in advisoryservices l HDFC Sales Private Limited acts as a distributor of home loans and other financial products l HDFC Education andDevelopment Services Private Limited is engaged in the provision of education services l Windermere Properties Private Limitedis engaged in monetising value of properties owned l Grandeur Properties Private Limited is engaged in monetising value ofproperties owned l Winchester Properties Private Limited is engaged in monetising value of properties owned l PentagramProperties Private Limited is engaged in monetising value of properties owned l Haddock Properties Private Limited is engagedin monetising value of properties owned l HDFC Venture Capital Limited carries on the business of managing HDFC PropertyFund l HDFC Standard Life Insurance Company Limited is engaged in the business of life insurance l HDFC ERGO GeneralInsurance Company Limited is engaged in the business of general insurance l HDFC Asset Management Company Limitedcarries on the business of managing Mutual Fund schemes l GRUH Finance Limited is engaged in the business of providinghousing finance l Griha Investments, (Mauritius) a wholly owned subsidiary of HDFC Holdings Limited acts as an investmentmanager to HI-REF International LLC and its subsidiaries in Mauritius l Credila Financial Services Private Limited is engaged inproviding education loan for higher studies l HDFC Pension Management Company Limited, a wholly owned subsidiary of HDFCStandard Life Insurance Company Limited acts as a pension fund manager l Griha Pte. Limited, a wholly owned subsidiary ofHDFC Investments Limited carries out private equity asset/fund management/investment advisory services l H T Parekh Foundation,a not for profit company licensed under section 25 of the Companies Act, 1956.

The Corporation has Branch Offices/Service Centers at the following places:

HOUSING DEVELOPMENT FINANCE CORPORATION LIMITEDRegistered Office: Ramon House, H T Parekh Marg, 169, Backbay Reclamation, Churchgate, Mumbai 400 020.

Corporate Office: HUL House, H T Parekh Marg, 165-166, Backbay Reclamation, Churchgate, Mumbai 400 020.

Deposit Centre: Mistry Bhavan, 122, Backbay Reclamation, Churchgate, Mumbai 400 020.

Phones: 67546060 (for Deposits only), 66316000, 22820282. Fax: 22821366.

(d) Brief p articulars of the management of the Corporation:The Corporation is managed by the Board of Directors comprising of eminent personswith wide experience and knowledge. Subject to superintendence, direction and controlof the Board of Directors, substantial powers of management are vested in three of itsExecutive Directors, viz., Mr. Keki M Mistry, Vice Chairman & Chief Executive Officer,Ms. Renu Sud Karnad, Managing Director and Mr. V. Srinivasa Rangan, Executive Director.

(e) Names, addresses and occup ations of the Directors:NAME ADDRESS OCCUPATION

Mr. Deepak S. Parekh Housing Development Finance Corpn. Ltd., Professional Director

(Chairman) Ramon House, H. T. Parekh Marg,

169, Backbay Reclamation, Mumbai 400 020.

Mr. B. S. Mehta Bansi S Mehta & Company, Chartered Accountants, Practising Chartered

Merchant Chamber, 41, New Marine Lines, Mumbai 400 020. Accountant

Mr. D. M. Sukthankar Flat No. 5, Priya Co-op. Hsg. Soc. Ltd, 9, Khan Abdul Professional Director

Gaffar Khan Road, Worli Sea Face, Mumbai 400 030.

Mr. D. N. Ghosh The Peerless General Finance and Investment Co. Ltd. Professional Director

Anuj Chambers, 24B Park Street, 5th Floor, Kolkata 700 016.

Dr. S. A. Dave Bldg No.17, Flat No.31, MHB Colony, Opp Lilavati Hospital, Professional Director

Bandra Reclamation, Bandra (W), Mumbai 400 050.

Dr. Ram S. Tarneja Flat No. 2102, Planet Godrej Aqua Tower II, K K Marg, Management

Jacob Circle, Mahalaxmi, Mumbai 400 011. Professional

Mr. Nasser Munjee Development Credit Bank Limited, Professional Director

Peninsula Business Park, Tower A, 6th Floor,

Senapati Bapat Marg, Lower Parel, Mumbai 400 013.

Dr. Bimal Jalan 4, Babar Road, Near Bengali Market, New Delhi 110 001. Professional Director

Dr. J. J. Irani 7 Beldih Lake, Northern Town, Jamshedpur, Professional Director

Jharkhand 831 001

Mr. V. Srinivasa Rangan Housing Development Finance Corpn. Ltd., Company Executive

(Executive Director) Ramon House, H. T. Parekh Marg,

169, Backbay Reclamation, Mumbai 400 020.

Ms. Renu Sud Karnad Housing Development Finance Corpn. Ltd., Company Executive

(Managing Director) The Capital Court, Munirka, Outer Ring Road,

Olof Palme Marg, New Delhi 110 067.

Mr. Keki M. Mistry Housing Development Finance Corpn. Ltd., Company Executive

(Vice Chairman & Ramon House, H. T. Parekh Marg,

Chief Executive Officer) 169, Backbay Reclamation, Mumbai 400 020.

(f & g) Profit s and Dividends:

FinancialFinancialFinancialFinancialFinancial Profit before taxProfit before taxProfit before taxProfit before taxProfit before tax Profit after taxProfit after taxProfit after taxProfit after taxProfit after tax Equity DividendEquity DividendEquity DividendEquity DividendEquity Dividend

YYYYYear Endedear Endedear Endedear Endedear Ended (((((` in crores) in crores) in crores) in crores) in crores) (((((` in crores) in crores) in crores) in crores) in crores) Per share (Per share (Per share (Per share (Per share (`)))))

31.03.2014 7,440.24 5,440.24 14.00*

31.03.2013 6,572.84 4,848.34 12.50

31.03.2012 5,665.62 4,122.62 11.00

* Subject to Shareholders’ approval.

(h) Summarized financial position of the Corporation as in the two audited balance sheets

immediately preceding the date of advertisement: (` in crores)As at March 31, 2014 As at March 31, 2013

LiabilitiesPaid-up Equity Share Capital 312.10 309.27Reserves and Surplus 27,643.09 24,520.94Secured Loans 1,10,186.37 90,871.77Unsecured Loans 41,208.32 67,956.34Current Liabilities and Provisions 46,407.51 11,702.64Total 2,25,757.39 1,95,360.96Asset sLoans 1,96,554.39 1,69,570.84Fixed Assets 280.48 237.94Investments 13,912.65 13,613.46Current Assets, Loans and Advances 14,380.00 11,307.34Deferred tax asset 629.87 631.38Total 2,25,757.39 1,95,360.96

Brief p articulars of Contingent Liabilities: Contingent liabilities in respect of guaranteesprovided by the Corporation is ` 435.26 crores (Previous year ` 203.00 crores), in respect ofincome tax demands, net of amounts provided for and disputed by the Corporation is ̀ 919.19crores (Previous year ` 818.73 crores), in respect of corporate undertakings provided forsecuritisation of receivables ̀ 1,943.05 crores (previous year ̀ 1,939.31 crores) and in respectof disputed dues towards sales tax, wealth tax, interest on lease tax, and payments towardsemployer’s contribution to ESIC not provided for by the Corporation, amounts to ` 0.15 crores(Previous year ` 0.15 crores).

(i) The amount of Public Deposits which the Corporation can raise under the Housing FinanceCompanies (NHB) Directions, 2010 is equivalent to 5 times of the net owned funds i.e.` 1,01,425.40 crores whereas the total Public Deposits as on March 31, 2014 was` 41,551.16 crores. The amount of aggregate deposits, including Public Deposits, whichthe Corporation can raise is 16 times of the net owned funds i.e. ` 3,24,561.28 croreswhereas the aggregate deposits as on March 31, 2014 was ` 1,84,740.65 crores.

(j) There are no overdue deposits other than unclaimed deposits.

(k) We declare that:i) The Corporation has complied with the provisions of the Directions as applicable to it;

ii) The compliance with the said Directions does not imply that repayment of deposits isguaranteed by the Reserve Bank of India and the National Housing Bank.

iii) The deposits accepted by the Corporation are unsecured and rank pari passu withother unsecured liabilities, save and except the floating charge created on the statutoryliquid assets maintained in terms of sub-sections (1) & (2) of Section 29B of the NationalHousing Bank Act, 1987, as may be prescribed by NHB, from time to time.

The Corporation is having a valid Certificate of Registration dated 31-07-2001 issued by theNational Housing Bank (NHB) under Section 29A of the National Housing Bank Act, 1987.However, the NHB does not accept any responsibility or guarantee about the present positionas to the financial soundness of the Corporation or for the correctness of any of the statementsor representations made or opinion expressed by the Corporation and for repayment of deposits/discharge of liabilities by the Corporation.

The above text has been approved by the Board of Directors at its meeting held onMay 6, 2014 and is being issued on the authority and in the name of the Board of Directors ofthe Corporation and a copy signed by all Directors of the Corporation has been filed with theNational Housing Bank, New Delhi.

By Order of the BoardSd/-

Date: May 6, 2014 GIRISH V. KOLIYOTEPlace: MUMBAI Company Secretary

AGRA Tel: 0562-2526769/70. AHMEDABAD (Navrangpura) Tel: 079-66307000. Extn. 110 (for Deposits Only). AHMEDABAD (Maninagar) Tel: 64501855.AHMEDABAD (Satellite) Tel: 079-64501864. AHMEDNAGAR Tel: 0241-6605222. AJMER Tel: 0145-5120888 (for Deposits Only), 5120888, 2433392.AKOLA Tel: 0724-2442454, 2430244. ALWAR Tel: 0144-2702739. ALLAHABAD Tel: 0532-2260325. AMBALA Tel: 0171-2630880, 2630711. AMRAVATITel: 0721-2666009/987. AMRITSAR Tel: 0183-5010512, 2500851. ANAND Tel: 02692-255514/7. ANKLESHWAR Tel: 02646-227771/2. AURANGABADTel: 0240-6616503 (for Deposits Only), 6616510, 6616500. BAREILLY Tel: 0581-2477496. BEAWAR Tel: 01462-251691, 513888, 513788. BELGAUMTel: 0831-2427091-93. BENGALURU (Kasturba Road) Tel: 080-41183213 (for Deposits Only), 41183000, 41183232. BENGALURU (Rajaji Nagar)Tel: 080-23506416/17/46. BENGALURU (Electronic City) Tel: 9900950600. BENGALURU (Jayanagar) Tel: 080-26653336 (for Deposits Only), 26544471.BENGALURU (Koramangala) Tel: 080-25501089 (for Deposits Only), 25633478. BENGALURU (Marathahalli) Tel: 080-41183000/25400232.BENGALURU (Sahakaranagar) Tel: 080-23626361/62. BHARUCH Tel: 02642-238444, 238555. BHATINDA Tel: 0164-501 2218-19. BHILAI Tel:0788-4040840/1. BHILWARA Tel: 01482-232901/2 (for Deposits Only), 232902. BHIWADI Tel: 01493-512739, 512849. BHOPAL (MP Nagar) Tel: 0755-4047700 (for Deposits Only), 4277772, 4273330. BHOPAL (Kamla Bhawan) Tel: 0755-4229990. BHUBANESWAR Tel: 0674-2531350 (for DepositsOnly), 2395060. BHUBANESWAR (Patia) Tel: 0674-2726724/8/9. BIKANER Tel: 0151-5130716, 5130715. BILASPUR Tel: 7752-432301/2/3. BULDHANATel: 07262-246301/2. CALICUT Tel: 0495-2367656/7. CHANDIGARH Tel: 0172-3011324 (for Deposits Only), 3989123, 3011300. CHANDRAPUR Tel:07172-271563-5. CHENNAI (Anna Salai) Tel: 044-28599322/52 (for Deposits Only), 28599300. CHENNAI (Adyar) Tel: 044-23452003. CHENNAI(Anna Nagar) Tel: 044-23451998/1999. CHENNAI (Kodambakkam) Tel: 044-23454008 (for Deposits Only), Tel: 24815656, 24815005. CHENNAI(OMR) Tel: 044-23454004/4003. CHENNAI (Porur) Tel: 044-24764071, 24764081. CHENNAI (Tambaram) Tel: 044-23454001-05. CHENNAI (Velacherry)Tel: 044-2246 3711/2246 3712. CHENNAI (DLF IT Park) Tel: 044-22520635, 22520735. CHENNAI (Egmore) Tel: 044-2345 2070/71. CHENNAI(Ambattur) Tel: 044-2345 2077/2078/2079. COIMBATORE (Kamaraj Road) Tel: 0422-4343913 (for Deposits Only), 4301100. COIMBATORE (NSRRoad) Tel: 0422-4399881/2. COIMBATORE (Ganapathy Sathy) Tel: 0422-4200211/4200311. CUTTACK Tel: 0671-2332109 (for Deposits Only), 2332061,2332093. DEHRADUN (Rajpur Road) Tel: 0135-3052222/58 (for Deposits Only), 6672222, 18604204222. DEWAS Tel: 07272-254550, 404285. DHULETel: 02562-273500. DURGAPUR Tel: 0343-2549776 (for Deposits Only), 2549778. ERODE Tel: 0424-2240928/29. FARIDABAD Tel: 0129-2226912/6.GANDHIDHAM Tel: 02836-228704/5. GANDHINAGAR Tel: 079-65727261/2/3. GHAZIABAD (Lohia Nagar) Tel: 0120-2721446, 2723116. GHAZIABAD(Vaishali) Tel: 0120-4233253-54. GOA Tel: 0832-2234172 (for Deposits Only), 2234 172. GORAKHPUR Tel: 0551-3248100. GULBARGA Tel: 08472-241966. GUNTUR Tel: 0863-2217538/2268628. GURGAON (Mehrauli-Gurgaon Road) Tel: 0124-4061772-3, 4060961. GURGAON (Sector 14) Tel:0124-4367801/2. GUWAHATI (Six Mile) Tel: 0361-2360063. GUWAHATI (Chenikuthi) Tel: 0361-6118888 (for Deposits Only). GWALIOR Tel: 0751-4011970/1/3. HALDWANI Tel: 05946-311000. HARIDWAR Tel: 01334-324100, 265325. HISAR Tel: 01662-313106. HOSUR Tel: 04344-244888/247444.HUBLI Tel: 0836-2356345. HYDERABAD (Basheer Bagh) Tel: 040-67699040 (for Deposits Only), 66475001 (10 lines). HYDERABAD (Dilsukhnagar)Tel: 040-24540845/47. HYDERABAD (Gachibowli) Tel: 040-23006347, 23006348. HYDERABAD (Kukatpally) Tel: 040-64632500 (for Deposits Only),23155944. HYDERABAD (Panjagutta) Tel: 040-67699101 (for Deposits Only), 23414855/6. SECUNDERABAD (Tarnaka) Tel: 040-27014041, 27006950.INDORE (M G Road) Tel: 0731-4252432 (for Deposits Only), 4223300, 4433333. INDORE (Vijay Nagar) Tel: 0731-4756400-10. INDORE (PrabhuNagar) Tel: 0731-4028222. IRINJALAKUDA Tel: 0480-2821589. JABALPUR Tel: 0761-4092000. JAIPUR (Ashok Marg) Tel: 0141-5150804/05 (forDeposits Only), 5150888, 2377171-3. JAIPUR (Jagatpura) Tel: 0141-5141888, 5141015, 5141017. JAIPUR (Mansarovar) Tel: 0141-2781981, 2780989.JAIPUR (Vaishali Nagar) Tel: 0141-5110410, 5110411. JALANDHAR Tel: 0181-2277444/45/46. JALGAON Tel: 0257-2220762. JAMMU Tel: 0191-2477707/08 (for Deposits Only), 2477709. JAMNAGAR Tel: 0288-6450156, 6450158. JAMSHEDPUR Tel: 0657-2428733/2424518 (for Deposits Only),2756517, 6458733. JHANSI Tel: 0510 -3290532. JODHPUR Tel: 0291-5134888, 2644448, 2644449. KAKINADA Tel: 0884-6568002/3. KANHANGADTel: 0467-2200 599/699. KANNUR Tel: 0497-2765850. KANPUR Tel: 0512-2306744/60 (for Deposits Only), 3259998, 2306744. KARNAL Tel: 0184-6451231-32. KOCHI (M. G. Road) Tel: 0484-3011228/32 (for Deposits Only), 3011200. KOCHI (Aluva) Tel: 0484-2629575/4456999. KOCHI (Kakkanad)Tel: 0484-2415555, 6493030. KOCHI (Palarivattom) Tel: 0484-2803043, 2803082. KOLHAPUR Tel: 0231-2664034/ 2664035. KOLKATA (Jeevandeep)23215060, 23018 300, 22886256, 22884645. KOLKATA (Behala) Tel: 033-24468392. KOLKATA (Chandannagore) Tel: 033 – 26830059/64589933.KOLKATA (Cooke and Kelvey) Tel: 033 – 66086200 (for Deposits only). KOLKATA (Garia) Tel: 033-24351082, 24357011. KOLKATA (Salt Lake City)Tel: 033-23215949, 23217009. KOLLAM Tel: 0474-3255000, 2762551/2. KOTA Tel: 0744-2436981 (for Deposits Only), 2436981, 2436982. KOTTAYAMTel: 0481-2304985, 2566136. LUCKNOW (Ashok Marg) Tel: 0522-3982623 (for Deposits Only), 3989123. LUCKNOW (Aliganj) Tel: 0522-2763494 (forDeposits Only), 3263952, 2745249. LUCKNOW (Gomti Nagar) Tel: 0522-2303770. LUDHIANA (Pakhowal Road) Tel: 0161-2429856, 5025184.LUDHIANA (Chandigarh Road) Tel: 0161-2680043, 2680045. MADURAI Tel: 0452-2350720. MALAPPURAM Tel: 0483-2738873/4. MANGALORETel: 0824-2445220. MATHURA Tel: 0565-2420116, 2420117. MARTHANDAM Tel: 04651-271744, 272744. MEERUT 4058791/2/3/4. MEHSANA Tel:02762-654001/02. MOGA Tel: 01636-509020-21. MOHALI Tel: 0172-2220116, 2220130, 2225774. MORADABAD Tel: 0591-2485100. MUMBAI(Churchgate) Tel: 022-67546060 (for Deposits Only) 66316000, 22820282. MUMBAI (Andheri East) Tel: 022-26839958/60 (for Deposits Only), 26830048/49/50. MUMBAI (Andheri West) Tel: 022-26733981-3. MUMBAI (Andheri-Kurla Road) Tel: 022-28304251-3. MUMBAI (Bandra – Kurla Complex)Tel: 022-26500951/52/53. MUMBAI (Borivali-Ramdas Sutrale Marg) Tel: 022-2893 7152/55, 28907153. Mumbai [Borivali-L T Road (Deposits)]Tel: 022-28937000, 28937001. MUMBAI (Chembur) Tel: 022-25291188/8838. Mumbai [Dadar (Investor Services Dept.)] Tel: 022-61413902 (forDeposits Only), 24146267/68, 61413900. MUMBAI [Ghatkopar (Deposits)] Tel: 022-25011284. Mumbai (Goregaon) Tel: 022-67546111. Mumbai(Goregaon – East) Tel: 022-28497102/3, 28497104/5. MUMBAI (Lower Parel) 6620 0000. MUMBAI (Malad) Tel: 022-65990487 (for Deposits Only),Tel: 022-65990488/89/ 90. MUMBAI (Mira Road) Tel: 022-65990265/66/67. MUMBAI (Mulund) Tel: 022-25675733 (for Deposits Only), 022-25655633/733. MUMBAI (Parel – Credit Risk Management) Tel: 022-66113033/34 (for Deposits Only), 66113000. MUMBAI (Vikhroli) Tel: 022-25186624/25/26.MUMBAI (Virar) Tel: 0250-2511654-6. AMBERNATH Tel: 0251-2603168/9. BOISAR Tel : 02525-645435, 645433. DOMBIVALI Tel: 0251-2861473 (forDeposits Only), 0251-2861473/74. KALYAN Tel: 0251-2201580/3. THANE (Gokhale Road) Tel: 022-65288415 (for Deposits Only), 25451114-6. THANE(Vikas Complex) Tel: 022-25471568/70. VASHI (Navi Mumbai) Tel: 022-27892911 (for Deposits Only), 65165201-4. KOPARKHAIRANE (Navi Mumbai)Tel: 022-27550615-18. SEAWOODS (Navi Mumbai) Tel: 022-27718787, 27718789. NEW PANVEL Tel: 022-65166242/3/4. MUVATTUPUZHA Tel:0485-2833533. MYSORE Tel: 0821-2545614, 2545615. NAGERCOIL Tel: 04652-325500, 237192/93, 227044. NAGPUR (Civil Line) Tel: 0712-6620518(for Deposits Only), 2566000, 2527888, 2522123. NAGPUR (Kadbi Chowk) Tel: 0712-2542918. NAGPUR (Khamla Ring Road) Tel: 0712-2289220.NASHIK (Sharanpur Link Road) Tel: 0253-6606808 (for Deposits Only), 6606000. NASHIK (Indira Nagar) Tel: 0253-6611938, 6611939. NASHIK(Panchavati) Tel: 0253-6452177. NASHIK ROAD Tel: 0253-2459925/26 (for Deposits Only), 2459924, 2459925. NELLORE Tel: 0861-2302347.NEW DELHI (Munirka) Tel: 011-41596618 / 19 / 70 (for Deposits Only), 41115111. NEW DELHI (Dwarka) Tel: 011-45572405, 45572406. NEW DELHI(Lodhi Road) Tel: 011-43792100, 24601574, 24601577, 24643755. NEW DELHI (Netaji Subhash Place) Tel: 011-47292032/33/34. NEW DELHI(Vikas Puri) Tel: 011-28540989/90. NEW DELHI (Connaught Place) Tel: 011-41514836 (for Deposits only), 011-41514836. NOIDA Tel: 0120-4351299/302/303/304. NOIDA (Sector 62) Tel: 0120-2405501, 2405502. PALAKKAD Tel: 0491-2536481/2. PANCHKULA Tel: 0172-2556464/2556426. PATIALATel: 0175-2209273, 5002786. PATHANKOT Tel: 0186-2230452, 2220453. PATHANAMTHITTA Tel: 0468-2271372. PATNA Tel: 0612-6458889/2501194(for Deposits Only), 2502522-23. PITHAMPUR Tel: 07292-252127, 400964. PUDUCHERRY Tel.: 0413-2205421/2205431. PUNE (University Road)Tel: 020-25505121/22 (for Deposits Only), 25505000. PUNE (Baner) Tel: 020-66057077/78. PUNE (Camp) Tel: 020-26351738, 26348602. PUNE(Chinchwad) Tel: 020-27371736, 27370219. PUNE (Hadapsar-Magarpatta City) Tel: 020-26898395, 26898412. PUNE (Kothrud) Tel: 020-25453592/3.PUNE (Nagar Road) Tel: 020-26685258, 26699149. PUNE (Sinhagad Road) Tel: 020-24350084/24350151. RAJAHMUNDRY Tel: 0883-6578181.RAIPUR Tel: 0771-4243100 (for Deposits Only), 4243110-25. RAJKOT Tel: 0281-6641147/6 (for Deposits Only), 2472337/8. RANCHI Tel: 0281-2331055/09431389684 (for Deposits Only), 2331055, 2330823. RATLAM Tel: 07412-406666. RATNAGIRI Tel: 02352-224022, 224023. REWARI Tel: 1274-22112/3.ROHTAK Tel: 01262-255467/8/9. ROPAR Tel: 01881-224986, 226986. ROURKELA Tel: 0661-2401061/60. RUDRAPUR Tel: 05944-244422, 606888,18604204222. SAGAR Tel: 07582-406093/227503. SALEM Tel: 0427-2314486/7. SAHARANPUR Tel: 0132-2760200. SANGLI Tel: 0233-2329892/3.SATARA Tel: 02162-226400, 227901. SILIGURI Tel: 0353-2640716. SHIMLA Tel: 0177-2626711. SOLAPUR Tel: 0217-2316804/5. SURAT (Adajan)Tel: 0261-6711933/35 (for Deposits only), 6711800. SURAT (Majura Gate) Tel: 0261-2479371, 2475954. SURAT (City Light) Tel: 0261-2213201/2.TIRUPATI Tel: 0877-6645833, 6645834. THIRUVALLA Tel: 0469-2600051. THIRUVANANTHAPURAM (Vazhuthacaud) Tel: 0471-3020300/2324224(for Deposits Only), 3255000, 2325731. THIRUVANANTHAPURAM (Technopark) Tel: 0471-2700701. THIRUVANANTHAPURAM (Kazhakuttam)Tel: 0471-2417708. THIRUVANANTHAPURAM (Mavelikkara) Tel: 0479-2344411/2. THRISSUR Tel: 0487-2389790/1/2. TIRUCHIRAPALLI Tel: 0431-2412744, 2414744. TIRUNELVELI Tel: 0462-3255000, 2577822/833. TIRUPPUR Tel: 0421-4242901-2. TUTICORIN Tel: 0461-3255000, 2300707/807.UDAIPUR Tel: 0294-5100850 (for Deposits Only), 5100840/50. UJJAIN Tel: 0734-4010222. VADODARA (Race Course) Tel: 0265-2356837 (for DepositsOnly), 2308400, 2356397, 2320240. VADODARA (Waghodia Road) Tel: 0265-2514164, 2512364. VAPI Tel: 0260-2462573/93. VARANASI Tel: 0542-2420485/86. VIJAYAWADA Tel: 0866-2483262. VISAKHAPATNAM Tel: 0891-2552876. YAMUNA NAGAR Tel: 01732-320547.

International offices: DUBAI Tel: +971-4-3961825. LONDON Tel: + 44 (0) 20 7872 5545, + 44 (0) 20 7872 5547 and + 44 (0) 20 7872 5542.SINGAPORE Tel: + 65 65367000.