Statement of Audited Financial Results For The Quarter Ended June 30, 2013

( in crore )

Particulars	Quarter ended June 30, 2013	Quarter ended June 30, 2012	Quarter ended March 31, 2013	Year ended March 31, 2013
Particulars	(Un-Audited)			(Audited)
Income from Operations :
a) Revenue from Operation	182.60	147.77	194.22	650.44
b) Other Income	0.59	0.00	0.00	0.01
Total Income	183.19	147.77	194.22	650.45
Expenditure :
a) Finance Cost	115.83	94.49	108.24	404.42
b) Employee Benefit Expenses	6.36	5.99	3.97	23.43
c) Other Expenses	5.80	4.75	5.68	20.91
d) Depreciation	0.58	0.51	0.54	1.97
e) Provision for Contingencies/ Bad Debts Written off	9.79	6.50	0.88	2.91
Total Expenditure	138.36	112.24	119.31	453.64
Profit Before Tax	44.83	35.53	74.91	196.81
Tax Expenses	11.06	8.81	11.85	50.93
Net Profit After Tax	33.77	26.72	63.06	145.88
Earning per Share (of 2 each) – Basic ()	1.887	1.509	3.544	8.209
– Diluted ()	1.882	1.505	3.499	8.157
Paid-up Equity Share Capital ( Face Value of 2 each )				35.70
Reserves and Surplus as at March 31				455.29

Part – II Selected information for the Quarter ended June 30, 2013

A. Particulars of Share Holding	As At June 30, 2013	As At June 30, 2012	As At March 31, 2013	As At March 31, 2013
Public Shareholding
– No. of Shares	72846940	70929475	71937750	71937750
– Percentage of Shareholding	40.61	39.97	40.31	40.31
Promoters and Promoter Group Shareholding
a) Pledged / Encumbered
– No. of Shares	Nil	Nil	Nil	Nil
– Percentage of Shares (as a % of the total shareholding of Promoter and Promoter group)	Nil	Nil	Nil	Nil
– Percentage of Shares (as a % of the total Share Capital of the Company)	Nil	Nil	Nil	Nil
b) Non – encumbered
– No. of Shares	106538925	106538925	106538925	106538925
– Percentage of Shares (as a % of the total shareholding of Promoter and Promoter group)	100	100	100	100
– Percentage of Shares (as a % of the total Share Capital of the Company)	59.39	60.03	59.69	59.69

B. Investor Complaints				Quarter ended June 30, 2013
Pending at the beginning of the quarter				Nil
Received during the quarter				1
Disposed off during the quarter				1
Remaining unresolved at the end of the quarter				Nil

NOTES :-

The Company’s main business is to provide loans for purchase or construction of residential houses. All other activities of the Company revolve around the main business. As such, there are no separate reportable segments as per the Accounting Standard on Segment Reporting (AS 17).
Disbursements during quarter ended June 30, 2013 amounted to 566.86 crores as compared to 440.64 crores during the corresponding previous year representing a growth of 29%. Loan Assets have increased from 4,338.49 crores as on June 30, 2012 to 5,727.21 crores as on June 30, 2013 registering a growth of 32%.
The Gross NPAs of the Company are 26.30 crores (0.46% of the Loan Assets) as against 29.73 crores (0.69% of the Loan Assets) as on June 30, 2012.
During the quarter, the Company allotted 9,09,190 Equity Shares pursuant to the exercise of the stock options by certain employees/directors.
During the period under review, there are no transactions in the nature of exceptional or extraordinary items.
Previous period/year figures have been regrouped and reclassified, where necessary, to make them comparable with current quarter figures.

The above results for the quarter ended June 30, 2013, which have been subjected to a ‘Limited Review’ by the Auditors of the Company, were reviewed and recommended by the Audit Committee of Directors and subsequently approved by the Board of Directors at its meeting held on July 8, 2013 in terms of Clause 41 of the Listing Agreement.