MUTHOOT PAPPACHAN MEDICARE PRIVATE LIMITED

SECURED DEBENTURE ISSUE

Muthoot Pappachan Medicare Private Limited Muthoot Pappachan Medicare Private Limited (MPMPL / Company) is a private Limited company under Muthoot Pappachan Group having its registered office at Muthoot Centre, Punnen Road, Trivandrum. Directors of the Company are Mr. Thomas John Muthoot, Mr. Thomas George Muthoot and Mr. Thomas Muthoot MPMPL has a running hospital at Kottayam and other projects at Thrissur and Kurichi Shareholding Pattern of the Company: Name of Shareholder No. of Shares held 330 330 340 1,000 Total % Shareholding (in Rs) 33,000 33 33,000 33 34,000 34 1,00,000 100

Thomas John Muthoot Thomas George Muthoot Thomas Muthoot Total

MPMPL is planning to issue secured debentures on a private placement basis (Debentures / NCDs) for repayment of existing loans as per the terms detailed below: INTEREST RATE : Monthly and Maturity Schemes available for all tenors Interest rate 10.50 % 11.50 % 12.00 % 12.00 %

1 year 2 year 3 year 5 year -

Interest will be compounded at the above rates in case of Maturity Options

Minimum Ticket size: Rs. 2 Lakhs ( Two Lakhs).

NCD ISSUE TERMS

Issue Size SERIES Issue open date Issue close date

Rs: 3 CRORES ( Rupees Three Crores Only ) MPM1 July 10, 2013 July 23, 2013 (Company has the option of pre closing or extending the closure date) July 26, 2013 Rs: 1 lakh Rs 2 lakh (2 Debentures) and multiples of Rs: 1 lakh thereafter. (a) 1 year (b) 2 years (c) 3 years (d) 4 years 1 year 10.50 % , 2 year 11.50 % 3 year 12 %5 years -12% per annum (Monthly & Maturity) (Applicable from allotment date) Monthly & maturity Direct by NEFT/RTGS to the investors bank account only NCDs issued by the Company and interest thereon will be secure by a mortgage and charge on the Companys assets on a paripassu basis with a 100% cover. Charge creation will be completed and the required forms will be filed before the ROC within 1 month from the date of allotment /as stipulated in the Trust Deed. Mortgage / charge will be created in favour of the Debenture Trustees, who shall hold the charge for the benefit of all Debenture holders. CA G.Mohan kumar ,FCA and CA M.Unnikrishnan ACA, Revathi ,Tc 2/1756 GRA 717 ,Trivandrum 695006 Not available from the Company

Tentative allotment date Face value Minimum application

Tenors Interest rates

Frequency of interest Mode of interest payment Security

Trustees

Gowreeshapattom

Loan facility

Premature closure Redemption

Not permitted 1. Original certificate duly discharged to be surrendered / send to the Company 2. Redemption proceeds will be directly credited to the bank account of the Investor 1. Interest at the applicable coupon rate will be paid on allotted Debentures from the date of realization of the cheque in the Companys account till 1 day prior to the allotment date. This will be paid directly to the investors bank account within 7 days from the date of allotment 2. Interest on application money for the rejected applications would be at 8% per annum TDS will be deducted at the applicable rate of the interest unless FORM 15H/15G for the respective periods are submitted 1. Only at par cheque / RTGS will be accepted 2. Incomplete / inaccurate applications are liable to be rejected 3. Allotments are on a first come first serve basis 4. Application received / cheque banked beyond the issue closure date are liable to be rejected

Interest on application money

TDS

Other terms

Issue Procedure Application forms are available at the Corporate Office of the Company at the following address Muthoot Pappachan Medicare (P) Ltd. Muthoot Centre, Punnen Road Trivandrum-695034 Kerala Email Contact No Fax : ncdmedicare@mpg-realestate.com : 0471 3101155 : 0471 3911589

Completely filled in applications along with the following documents to be sent to the above address. All pages to be signed. a) Copy of Pan Card of the applicant b) Copy of One of the address proofs among Voters ID, Ration Card, Driving Licence, Passport, Adhar Card or any other to the satisfaction of the Company c) Form 15G/15H if applicable

d) Crossed at par cheque in the name of Muthoot Pappachan Medicare (P) Ltd . Cheque to be drawn from the Investors own account only e) Copy of a cancelled cheque of the investors account in case the application cheque is is to be credited to a different account of the investor.

Investors are advised to intimate the Company at the above e-mail after sending the application so that the company can track the same and acknowledge receipt. Investors also can send the application amount by RTGS to the Company designated bank account. UTR Number of the transaction to be provided in the application form in that case. Investors are advised to keep a copy of the filled in applications for future reference. All valid applications received during the issue period and where cheque has been realized application money received in the account will be scrutinized and allotment made within 7 days from the issue closure date. In the event of over subscription allotment will be made on the basis of the order of the receipt of the applications. Debenture certificates for all the allotted cases would be sent by speed post/ registered post/ courier to the address provided in the application form. Interest on the application amount (subject toTDS applicable) upto 1 day prior to the allotment date at the applicable rates will be credited to the bank account of the investor through NEFT/ RTGS/ bank transfer within 7 days from the allotment date.

Refund amount in the case of rejected applications along with interest on application money at the applicable rates will be credited into the investors bank account directly through NEFT/RTGS/ bank transfer. First interest payment will be due 1 year from the allotment date and every year thereafter based on the respective options. Interest amount will be credited to the investors bank account directly by NEFT/ RTGS/ bank transfer. TDS at applicable rates will be deducted subject to receipt of form 15G/15H for the respective periods. Original discharged Debenture Certificate to be surrendered to the Company for redemption of the Debenture. Redemption amount along with any applicable interest will be paid directly to the bank account of the investor.