MANAPPURAMFINANCE

Presented byIndu M

Sheena Krishnan

Company Profile

The Manappuram group of companies was founded in 1949 by late Shri V.C. Padmanabhan.

The company is head-quartered at Valapad, Thrissur district in Kerala.

Now, the company has over 860 branches spread across 15 states in India, with a total business of over Rs.26 billion, a work force of over 5000 employees and a customer base of over 1 million

Vision

The company’s vision is to emerge as a strong national player with a wide branch network across the entire country to serve its customers as one-stop financial super markets that makes our customer’s life easy.

StrengthsFirst NBFC from Kerala to receive a Certificate

of Registration issued by RBI mainly on the strength of the company's ability to settle the depositors` claim in full.

First NBFC from Kerala to get a credit rating of "MA+" from ICRA,

It is the FIRST NBFC from Kerala to have received Adequate Safety rating for its Secured Non- convertible Redeemable Debenture issue for Rs. 50 million.

 First NBFC from Kerala to go for public issue. First NBFC from Kerala to issue bonus shares

at the ratio 1:1.

 First NBFC from Kerala to receive Foreign Direct Investment (FDI).

 First NBFC from Kerala to receive AD- II (Authorized Dealer - II) License from RBI.

 First NBFC from Kerala to obtain Broker's License from IRDA (Insurance Regulatory & Development Authority).

First NBFC in the country to receive a Short-term rating of A1+ by ICRA. This is the Highest Short Term Rating awarded by ICRA to any Corporate in India

Services

Gold Loan / Loan Against GoldMoney TransferGold CoinBusiness Loan Swarnanidhi Security Loan

Foreign ExchangeInsuranceDeposits Chits Gold Overdraft Vehicle Loan

Gold Loan

Avail Loan up to 1 Crore. Pledge your Gold Ornaments or

Jewellery and draw cash against it. Depending on the net weight and

purity of the gold, cash will be disbursed.

Schemes

Scheme XScheme AScheme BScheme C

Scheme X

Minimum time period is one monthInterest Rates

1 to 30 days – 24%

31 to 90 days – 27%

91 and above - 30%

For 1 gram – Rs1462 /-

8 grams- Rs 12200/-

Scheme A

3 months scheme8 grams – Rs 11800/-1 gram – Rs 1387/-Interest Rates

below 3 months – 23%

above 3 months – 26%

Scheme B

6 months scheme1 gram – Rs 1325/-8 gram – Rs 11300/-Interest Rates

below 6 months – 22%

above 6 months – 25%

Scheme C

1 year scheme1 gram – Rs 1212/-8 gram – Rs 9696/-Interest Rates – 18%

Attractive features:

Loan availed within 5 minutes.When disbursing Gold Loan, they only

require any ONE of our recent ID: Voter ID, Ration Card, Driving License, Passport or PAN Card and no other documents are required from you that can be time consuming.

Avail the Highest Amount of Rs. 1,638* per gram of Gold.

Diminishing interest rates starting from 1% per month. Pay interest only for the number of days our pledge is maintained with them.

Various schemes for our needs and to suit all income group.

No other hidden charges

Terms and Condition

The loan will carry interest at the rate specified in the demand promissory note executed by the borrower in this regard and appearing over leaf and incidental charges as fixed by the company from time to time. For this purpose 360 days is constitute a year.

The company has the right to retain the security offered to this loan against any other liability due to the company by the borrower or guarantor whether such liability has been demanded or not.

The company has the right to assign or transfer the rights the agreement and all other documents executed by the borrower in favor of the company and to obtain necessary advances from any bank / financial institution at any time.

The jewellery pledged is the absolute property of the borrower, no other person is having any right, interest or claim over the same and the borrower has absolute right to pledge them. In the event of any defect in the title to the jewellery, the borrower shall indemnify the company of all harm, cost and consequences.

The borrower shall bear, pay and reimburse all charges relating to administration charges, interest tax, service tax, duties (including stamp duty), sales tax/VAT and other taxes

In the event of loss of pledged ornaments, the liability of the company is limited to replacing of the lost ornaments with equal net weight disclosed in the pawn ticket.

The borrower can authorizes the company to hedge the price risk by entering into option contracts on the underlying gold ornaments which is offered as security for this loan and agrees to pay the respective proportionate premium in respect of the option contracts.

The company fixes its interest rate based on the cost of borrowing, transaction cost and expected minimum return on equity as increased by a risk premium calculated at a rate not less than 0.33% p.a.

Present Chairman- Mr. V. P. Nandakumar

Latest News

Avail the Highest Amount of Rs.1,638 Per Gram in Gold Loan (Loan against Gold)

Company has reduced Interest Rate for Gold Loan schemes by nearly 4 - 6%

More than 870 Branches spread across 15 States in India

Total Business of Manappuram Group has crossed Rs. 2,600 Crores (26 Billion)

Thank You