A Non-Banking Financial Company (NBFC)

A company registered under the Companies Act, 1956 engaged in the business of loans and advances,
acquisition of shares / stocks / bonds / debentures / securities issued by Government or local authority or
other marketable securities of a like nature, leasing, hire-purchase, insurance business, chit business but
does not include any institution whose principal business is that of agriculture activity, industrial activity,
purchase or sale of any goods (other than securities) or providing any services and sale / purchase /
construction of immovable property. A non-banking institution which is a company and has principal
business of receiving deposits under any scheme or arrangement in one lump sum or in installments by way
of contributions or in any other manner, is also a non-banking financial company (Residuary non-banking
company).

Financial activity as “principal business” mean.

Financial activity as principal business is when a company’s financial assets constitute more than 50 per
cent of the total assets and income from financial assets constitute more than 50 per cent of the gross income.
A company which fulfils both these criteria will be registered as NBFC by RBI. The term 'principal
business' is not defined by the Reserve Bank of India Act. The Reserve Bank has defined it so as to ensure
that only companies predominantly engaged in financial activity get registered with it and are regulated and
supervised by it. Hence if there are companies engaged in agricultural operations, industrial activity,
purchase and sale of goods, providing services or purchase, sale or construction of immovable property as
their principal business and are doing some financial business in a small way, they will not be regulated by
the Reserve Bank. Interestingly, this test is popularly known as 50-50 test and is applied to determine
whether or not a company is into financial business.

Difference between Banks & NBFCs.

NBFCs lend and make investments and hence their activities are akin to that of banks; however, there are
a few differences as given below:

i. NBFC cannot accept demand deposits.

ii. NBFCs do not form part of the payment and settlement system and cannot issue cheques drawn on itself.

iii. Deposit insurance facility of Deposit Insurance and Credit Guarantee Corporation is not available to
depositors of NBFCs, unlike in case of banks.

Registration of NBFC should be with RBI.

In terms of Section 45-IA of the RBI Act, 1934, no Non-banking Financial company can commence or
carry on business of a non-banking financial institution without the below.

a) obtaining a certificate of registration from the Bank and without having a Net Owned Funds of ₹ 25 lakhs
(₹ Two crore since April 1999). However, in terms of the powers given to the Bank, to obviate dual
regulation, certain categories of NBFCs which are regulated by other regulators are exempted from the
requirement of registration with RBI viz. Venture Capital Fund / Merchant Banking companies / Stock
broking companies registered with SEBI, Insurance Company holding a valid Certificate of Registration
issued by IRDA, Nidhi companies as notified under Section 620A of the Companies Act, 1956, Chit
companies as defined in clause

b) of Section 2 of the Chit Funds Act, 1982, Housing Finance Companies regulated by National Housing
Bank, Stock Exchange or a Mutual Benefit company.

Requirements for registration with RBI.

A company incorporated under the Companies Act, 1956 and desirous of commencing business of non-
banking financial institution as defined under Section 45 I(a) of the RBI Act, 1934 should comply with the
following:

a) it should be a company registered under Section 3 of the companies Act, 1956

b) It should have a minimum net owned fund of ₹ 200 lakh. (The minimum net owned fund (NOF) required
for specialized NBFCs like NBFC-MFIs, NBFC-Factors, CICs is indicated separately in the FAQs on
specialized NBFCs)

Procedure for application to the Reserve Bank for Registration.

The applicant company is required to apply online and submit a physical copy of the application along with
the necessary documents to the Regional Office of the Reserve Bank of India. The application can be
submitted online by accessing RBI’s secured website https://cosmos.rbi.org.in . At this stage, the applicant
company will not need to log on to the COSMOS application and hence user ids are not required. The
company can click on “CLICK” for Company Registration on the login page of the COSMOS Application.
A window showing the Excel application form available for download would be displayed. The company
can then download suitable application form (i.e. NBFC or SC/RC) from the above website, key in the data
and upload the application form. The company may note to indicate the correct name of the Regional Office
in the field “C-8” of the “Annex-I dentification Particulars” in the Excel application form. The company
would then get a Company Application Reference Number for the CoR application filed on-line. Thereafter,
the company has to submit the hard copy of the application form (indicating the online Company
Application Reference Number, along with the supporting documents, to the concerned Regional Office.
The company can then check the status of the application from the above mentioned secure address, by
keying in the acknowledgement number.

Essential documents required to be submitted along with the application form to the
Regional Office of the Reserve Bank.
The application form and an indicative checklist of the documents required to be submitted along with the
application is available at www.rbi.org.in → Site Map → NBFC List → Forms/ Returns.
 Systemically Important of NBFCs.
NBFCs whose asset size is of ₹ 500 crore or more as per last audited balance sheet are considered as
systemically important NBFCs. The rationale for such classification is that the activities of such NBFCs
will have a bearing on the financial stability of the overall economy.

Functions of NBFC.
A Non-Banking Financial Company (NBFC) is a company registered under the Companies Act, 1956
engaged in the business of loans and advances, acquisition of shares/stocks/bonds/debentures/securities
issued by Government or local authority or other marketable securities of a like nature, leasing, hire-
purchase, insurance ...

All NBFCs are either deposit taking or Non-deposit taking. If they are non-deposit taking, ND is suffixed
to their name (NBFC-ND). The NBFCs which have asset size of Rs.100 Crore or more are known as
Systematically Important NBFC. They have been classified so because they can have bearing on financial
stability of the country. The Non-deposit taking NBFCs are denoted as NBFC-NDSI. Under these two
broad categories, the different NBFCs are as follows:

 Asset Finance Company (AFC)

 Investment Company (IC)
 Loan Companies (LC)
 Infrastructure Finance Company (IFC)
 Systemically Important Core Investment Company (CIC-ND-SI)
 Infrastructure Debt Fund (IDF-NBFC)
 Non-Banking Financial Company – Micro Finance Institution (NBFC-MFI)
 Non-Banking Financial Company – Factors (NBFC-Factors)

Asset Finance Company (AFC)

The main business of these companies is to finance the assets such as machines, automobiles, generators,
material equipment, industrial machines etc.

Investment Company (IC)

The main business of these companies is to deal in securities.

Loan Companies (LC)

The main business of such companies is to make loans and advances (not for assets but for other purposes
such as working capital finance etc. )

Infrastructure Finance Company (IFC)

A company which has net owned funds of at least Rs. 300 Crore and has deployed 75% of its total assets
in Infrastructure loans is called IFC provided it has credit rating of A or above and has a CRAR of 15%.

Systemically Important Core Investment Company (CIC-ND-SI)

A systematically important NBFC (assets Rs. 100 crore and above) which has deployed at least 90% of its
assets in the form of investment in shares or debt instruments or loans in group companies is called CIC-
ND-SI. Out of the 90%, 60% should be invested in equity shares or those instruments which can be
compulsorily converted into equity shares. Such companies do accept public funds.

Infrastructure Debt Fund (IDF-NBFC)

A debt fund means an investment pool in which core holdings are fixed income investments. The
Infrastructure Debt Funds are meant to infuse funds into the infrastructure sector. The importance of these
funds lies in the fact that the infrastructure funding is not only different but also difficult in comparison to
other types of funding because of its huge requirement, long gestation period and long term requirements.

In India, an IDF can be set up either as a trust or as a company. If the IDF is set up as a trust, it would be a
mutual fund, regulated by SEBI. Such funds would be called IDF-MF. The mutual fund would issue rupee-
denominated units of five years’ maturity to raise funds for the infrastructure projects.

If the IDF is set up as a company, it would be an NBFC; it will be regulated by the RBI. The IDF guidelines
of the RBI came in September 2011. According to these guidelines, such companies would be called IDF-
NBFC.

An IDF-NBFC is a non-deposit taking NBFC that has Net Owned Fund of Rs 300 crores or more and which
invests only in Public Private Partnerships (PPP) and post commencement operations date (COD)
infrastructure projects which have completed at least one year of satisfactory commercial operation and
becomes a party to a Tripartite Agreement.
Non-Banking Financial Company – Micro Finance Institution (NBFC-MFI)

NBFC-MFI is a non-deposit taking NBFC which has at least 85% of its assets in the form of microfinance.
Such microfinance should be in the form of loan given to those who have annual income of Rs. 60,000 in
rural areas and Rs. 120,000 in urban areas. Such loans should not exceed Rs. 50000 and its tenure should
not be less than 24 months. Further, the loan has to be given without collateral. Loan repayment is done on
weekly, fortnightly or monthly installments at the choice of the borrower.

Non-Banking Financial Company – Factors (NBFC-Factors)

Factoring business refers to the acquisition of receivables by way of assignment of such receivables or
financing, there against either by way of loans or advances or by creation of security interest over such
receivables but does not include normal lending by a bank against the security of receivables etc.

An NBFC-Factoring company should have a minimum Net Owned Fund (NOF) of Rs. 5 Crore and its
financial assets in the factoring business should constitute at least 75 percent of its total assets and its income
derived from factoring business should not be less than 75 percent of its gross income.
 NBFC Selected Edelweiss Retail Finance

Information about Edelweiss Group

Edelweiss Group is one of India's leading diversified financial services company providing a broad range
of financial products and services to a substantial and diversified client base that includes corporations,
institutions and individuals. Edelweiss's products and services span multiple asset classes and consumer
segments across domestic and global geographies.

The group has sizeable presence in large retail segment through its businesses such as Life Insurance,
Housing Finance, Mutual Fund and Retail Financial Markets including Stock Broking

This diversified business model reflects edelweiss experience across India's multiple consuming facets,
from industrial behemoths and large companies to small business as well as the average Indian urban and
rural household.
Edelweiss has 1,200,000+ strong client base is serviced through a network of over 450 offices, with
over 10000 employees. Together with a strong network of Sub-Brokers and Authorized Persons, the Group
has a presence across all major cities in India.

TS NOW 2 DECADES…

NOV1995 Founded Edelweiss Capital Ltd.

MAR2002 Started Stock Broking Business for Private & Institutional clients
OCT2005 Raised equity from Greater Pacific Capital got listed on stock exchange
MAR2008 Started Commodities Business Crossed Rev 10,889 mn
MAR2011 Acquired Anagram Capital
 AUG2011 Started Retail Finance and Insurance Business
MAR2015 Acquired Forefront Employees Strength 5,555
MAR2016 Acquired JP Morgan AMC (India)
MAR2018 Employees Strength 10,052 Crossed Profit after Tax ex-Insurance Rs.1,000 cr


 Book
Value
PAT Revenue Per No Of
Phase Year Stage Details in mn in mn share Employee

Phase 1 1996-2000 Birth Panges Foundation of Edelweiss as an Investment Bank. 39 85 0.4 12

Expanded into Capital Markets and Broking
Phase 2 2000-2004 Baby Steps business. 78 281 0.9 95
Joyful
Phase 3 2004-2008 Hypergrowth Set up our Corporate credit business. 273 10,888 24.7 1,621
Built our Retail platform – Retail Mortgage, Life
Painful Insurance, Asset Management, Wealth
Phase 4 2008-2012 Consolidation Management. 1,277 16,707 34.8 3,108
Mature and
Balance
Phase 5 2012-2016 Growth Diversification benefits start to kick in. 4,144 53,157 45.1 6,227
Poised to scale with help from macro -
Phase 6 2016-2020 Gaining Scale economic tailwinds. 8,901 86,225 72.89 10,000 +

Principles of Edelweiss
We will be a Thinking Organization
We will be Fair to our clients, our employees and all stake holders.
We will take care of our People seriously.
We will operate as a Partnership, internally and externally.
We will focus on the Long Term.
We will focus on Growth
Our Reputation and Image is more important than any financial reward.
We will Obey and Comply with the rules of the land.
We will respect Risk.
Our Financial Capital is a critical resource for growth.
We are defined by the Experience our customers have with us.
We will Listen to our customers.
We recognise that we need to satisfy the Needs, sometimes conflicting, of all stakeholders.

Awards to Edelweiss
Best stock broker, best brokerage firm, most promising brand are some of the many accolades we’ve
received
Edelweiss has been awarded the “BBC Knowledge, National Digital Marketing Awards, 2017” for the Best
Mobile App in Consumer Service.

Edelweiss has been awarded the “ABP BFSI Awards, 2017” for the Best use of Mobile Technology in
Financial Sector.

Edelweiss has been rated as the “Best Broker” in India in the Finance Asia (Hong Kong) Country Awards
2016.

Edelweiss Group again won the award for 'Best Corporate Governance, India, 2016' from the London, UK,
based Capital Finance International jury, having earlier won it in 2013.

Edelweiss Broking won the Best Equity Broking House (mid-size) Award at the BSE – Dun & Bradstreet
Equity Broking Awards 2015.

The Economic Times Consumer Survey report has listed Edelweiss amongst India’s Most Promising
Brands 2015 (Parameters: innovation, customer experience, value proposition and advocacy).

Edelweiss Financial Services has been identified amongst the 100 Most Valuable Brands of India in
2015 through a recent research study carried out by World Consulting & Research Corporation (WCRC).

Edelweiss Structured Products has won the SRP Award for being the Best Private Banking Solution at the
Asia-Pacific Structured Products and Derivatives Awards 2015.

Edelweiss Securities Ltd has been adjudged as the “Best Equity Broking House – Institutional” at the Dun
& Bradstreet’s “BSE – D&B Equity Broking Awards 2014”.

Edelweiss has been ranked as the #2 Best Local Brokerage house in the Asiamoney Brokers Poll 2014.

Edelweiss has won the “Bull of the Year Award 2014” at the Zee Business Market Analyst Awards 2014.

Edelweiss Tokio has been adjudged as a winner of “Top 100 Infosec Maestros Awards” in 2014. This award
is given to information security leaders in India

Edelgive has won the “BFSI Vision 1st CSR Awards 2014 for Distinction in promotion of Education”.
Edelweiss has been voted India's Best Company in the upto $500 mn market cap category by readers
of Finance Asia in its 14th annual poll on Asia's Best Companies 2014. This is for the second time in a row
that Edelweiss has been voted similarly.
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ABOUT EDELWEISS

 About Edelweiss Group

 About ECL Finance Ltd. Edelweiss is one of India's leading diversified financial
services group
Edelweiss offers a large range of products and services spanning across asset classes and consumer
segments.
Its businesses are broadly divided into Credit (including Retail Finance and Debt Capital Markets),
Financial Markets (including Asset Management), Commodities and Life Insurance.
The group's research driven approach and proven history of innovation has enabled it to foster
strong relationships across corporate, institutional and individual clients. The Life Insurance,
Retail Finance including Housing Finance, Mutual Fund and Retail Broking businesses - both
online and offline formats, have paved the way for Edelweiss to cater to the large retail client
segment. Edelweiss' presence now covers 211 offices in 106 cities in India and abroad with 3,907
employees. Together with 4,003 strong network of Sub-Brokers and Authorized Persons,
Edelweiss group has presence across nearly 545 cities in India catering to over 450,000 clients
across various businesses in retail and wholesale segments.
Senior Management Team:

 Rashesh Shah - Chairman and CEO

 Mr. Shah, co-founder of the Company has over 20 years of diverse experience in the
financial services industry in India and has been instrumental in building Edelweiss into
one of India’s leading diversified financial services companies. Prior to founding
Edelweiss, he worked with ICICI Limited. He serves on the Boards of various companies
and has also served on the Executive Committee of the National Stock Exchange, India’s
premiere securities exchange. He has in the past served on the Executive Committee of the
National Stock Exchange and presently serves as Chairman, Maharashtra Council of FICCI.
He currently serves on the SEBI committee to review Insider Trading Regulations. His
academic qualifications include an MBA from IIM, Ahmedabad and a Diploma in
International Trade from the Indian Institute of Foreign Trade, New Delhi.

 Venkat Ramaswamy - Executive Director and Co-Head, Wholesale Capital Markets and
Wholesale Asset Management
 Himanshu Kaji - Executive Director and Group COO
 Rujan Panjwani - Executive Director

What is Loan Against Shares (LAS)?

LAS is a facility where client can avail loan by mortgaging securities as collateral in favor of
lender like ECL Finance Ltd (Edelweiss). The loan amount will be determined on the basis of
valuation of mortgaged securities post applicable haircuts.

Why should one opt for LAS?

 Enhance Returns: You can unlock the value of your idle investments while continuing to
enjoy the shareholder benefits such as dividends and bonuses. LAS allows you to own more
securities than you could on a cash-only basis and potentially enjoy a greater return on
your investment capital.
 Liquidity, Flexibility, Defer LT taxes: You can take care of his immediate expenses or can
get liquidity for investing into capital markets without having to sell off your long term
investments in shares. You can take advantage of timely market opportunities or make
investment changes when you want. Keep your investment strategy on track and defer any
capital gains taxes that might result from selling securities to meet your financing needs.
 Diversification: You can use LAS to diversify your portfolio if you hold a concentrated
stock position.

Why LAS from Edelweiss?

 Ease of documentation: LAS facility can be linked to your existing demat account with
Edelweiss. You don’t need to open a separate account for the same.
 Ease of drawing: Borrow at any time once your LAS account is approved and in place. No
additional forms or applications are required. Loan taken can be used for any of your
personal financial needs without a separate application.
 Ease of repayment: You can repay the loan through various modes viz, online transfer to
ECL Finance accounts, deposit the cheque or sale of shares as per your choice. There is no
set repayment schedule. As long as the necessary margins are maintained in your accounts,
you can choose to keep/repay the loan as per your convenience.
 Commercials: Competitive interest rates. Interest is charged only on amount used and for
the duration of use. No commitment charges. No minimum utilization charges. No
 repayment and prepayment overheads. Nominal documentation charges. One time
processing fees.
 Clear Communication: Prompt and clear communication via Email/SMS/RM at various
stages of client’s association with us.
 Loan Tenure: 1 year with an option to renew it further

Individuals
Customized Financing schemes for your unique requirements
At ECL Finance Ltd. we understand the financial limitations and documentation complexities that
are faced by an individual when he/she decides to exercise their Options. Wit h our customer centric
service approach we ensure that every individual's financial needs are met in a customized manner.
We have ensured that our financing services make exercising of your ESOP fast, easy, transparent,
cost-effective and hassle free so that when your exercise your Options, your happiness is not
dampened by the complexities you face while exercising it.
Edelweiss Advantage:

 Pedigree and Experience

 A Reputed Group: We (ECLF) are a part of Edelweiss Group - one of India’s leading
financial services conglomerate. It has a client base of over 4,50,000 clients and
211 offices in 106 cities
 A strong diversified portfolio: We had a loan book of 47,990mn as on 31st March
2013 with a diversified portfolio and strong asset quality
 Market Leadership: We are the market leaders from over 5 years in the domain of
ESOP financing having corporate tie-ups with more than 40 reputed corporate in
India
 Customer centricity

 Easy Process and Documentation: We know how important your time is, thus we have
kept the process short and simple and the documentations easy and hassle free. We
have also ensured that if and when you require a repeat loan, your documentations are
kept down to minimum possible.
 Dedicated to you, ALWAYS!: From being the only platform to provide you access to
ESOP funding online, to having a dedicated Customer Care toll -free number for your
concerns and queries; from having flexible plans ranging from 1 day to 13 months, to
having flexible repayment options, all our services are always dedicated to you and
your needs.

 Speed and transparency

o Speedy Loans: We have aligned our processes to ensure that our turnaround time is
faster so that you don’t need to wait for long.
o Trustworthy Relationship: We believe that a relationship blossoms on trust, and
trust and transparency both go hand in hand, thus we have ensured that we are
transparent at all stages of relationship with you.
  Schemes to suit all
o Wide range of schemes: We understand that everyone has their different set of
requirements and thus we provide wide range of schemes available from as less as
1 day to 13 months.
o Customized Schemes: We are also always open to provide customized schemes if
none of the existing schemes suit your needs.
o Cashless: We understand that being a salaried individual it is a difficult for you to
pay interest every month, as it becomes an added burden over your monthly
expenses. Hence, we provide loans where you don't have to pay any upfront fees,
nor do you have to service interest on a monthly basis nor will be compound the
interest.
 Customer servicing
o Experienced Service Desk: We have dealt with various large as well as small
corporate clients in the past and we use this experience and expertise to address
your needs better
o E-mail and SMS alert: We know that you always like to be informed but cannot
usually take time out of your busy lives. Our email and SMS alerts will ensure that
at every stage of the processing you are aware and in the loop.
o Customer Care Center: Your needs are important to us and so are your concerns,
queries and feedback. We understand that at various stages of the process, you
require someone who can answer your questions, solve your queries and listen and
act upon your feedback. This is exactly what our Customer Care Center strives to
do. You can contact us at 040 49059999(112) or you can write to us
esop.finance@edelweissfin.com
o Market Advisory: To ensure that you make the best of your resources, we also guide
you with timely advice on your investments and also on the exit strategy
o Tax Liability Statements: We also provide customized statements for you to help
you identify your tax liability
 Online Access
o Online funding:We are currently one of the first platform, if not the first, to provide
access for ESOP funding online in India.
o Online Servicing: All your servicing related requirements will now be addressed
easily – all you need to do is just logon and access your account online.
 Flexible Repayment Option

 We have ensured that even while paying back your loans, you are not out of options. You can
pay back the loan in a manner that you are comfortable with from the below mentioned
options:
 Through sale of Stock Options which were funded by us
 Through cheque/online transfer
  Through sale of other shares which you have pledged with us

 Competitive Financials
o Higher Funding: We have kept out margins low, so that you can avail a higher
funding
o Attractive interest rates: We have ensured that we keep our interest rates not just
competitive but also attractive. Moreover we have kept the interest rates flexible so
as to suit the tenure of your loans.
o Nominal documentation and processing charges: Pay only a nominal amount for
documentation and processing charges
o Minimum charges for prepayment: To ensure that your happiness of early
repayment is not dampened by the heavy prepayment charges, we have kept the
prepayment charges to the minimum
 Other Benefit
 Bulk deals: We also offer bulk deals for offloading large number of ESOPs.

 Corporates
A Financing Partner Who Understands Your & Your Employee’s Needs
At ECL Finance Ltd. we understand the complexities that are involved when an employee wishes
to exercise the ESOPs granted by his/her employer, both from the employee and employer
perspective given the vast presence of the employer geographically and due t o sheer number of the
employees whom ESOPs are granted. Also, it becomes a moral responsibility of the employer to
assist the employee in unlocking the value of the ESOPs and hence necessity of the a financing
partner arises.
When you partner with us, we ensure that we run this activity as owners, not only do we ensure
that we take care of lot of activities related to these processes from funding perspective; we also
ensure that your employees receive nothing but the best services from us. With us you can be
assured that world class service standards are reaped not only by you but also your employees.
Edelweiss Advantage:

 Advisory
 We provide advisory on formulating entire process of exercising of ESOPs for
employees
 We also provide solutions on creating tools and platforms to smoothen the
exercising of options
 Partnership
  We create/provide a common platform for all the employees to seek information
 We also conduct joint trainings on the entire process along with you (corporate)

 Financing Solutions
o We provide financial solutions to employees to help them exercise the options

o We strive and ensure that our charges are not just uniform but the most competitive
in market so that your employees can benefit from our financing solutions
o We also provide flexible schemes including cashless schemes to suit needs of the
employees along with providing flexible repayment options
 Communication
o We provide financial solutions to employees to help them exercise the options

o We help channelize communication for various employees by routing them through

a single source, thus reducing hassle of coordinating with large number of
employees
o We also handle pre and post funding communications with the central team for
smoother processing of applications
 No Liability on corporate
 We ensure there is no liability on the corporate for the financing arrangement between the
employee and Edelweiss

 "I came to know about Edelweiss through my colleagues last year, and then Satyendra also
had been in touch with me. Taking the loan was a pleasant experience, right from the 1st
call till the disbursement of the loan, the process was really fast, transparent and the RM
helpful. The comfort, convenience, services and the prompt response that you’ll provi ded
made me comfortable to take another loan without stressing myself out. I am happy to be
associated with ECL Finance Ltd and will surely recommend you’ll to my friends too."
 Pradeep S (ING Vysya Bank Limited)
 "I have taken loan more than once and for good amounts. I never thought of any other
Financier the second time. It calls for huge trust from a person like me to rely on a party
so easily when huge amounts of money is involved. They did not leave any scope for
complaints. The experience was really good and my initial fears and apprehensions just
vanished in a small period of time."
 Swaroop Panda (ITC Limited)

OUR CLIENTS
 Managing the finances is not at an easy task to go with. Essential decisions regarding savings, investments,
debts are necessary, but managing it all along with your expenses is important. Financial advisors help you
in making the correct decisions regarding your finances. But before hiring a financial advisor, make sure
you go through these points.

Let us help you with few important questions to ask your financial advisor;

 How do you choose your investment products?

Are you a fiduciary? Is the question you must ask before hiring a financial advisor. Analyze if the financial
advisor is recommending you a specific product, if yes then he is a fiduciary. A financial advisor will ask
you about your background, your short-term and long-term goals and life history to get some insight about
you. A financial advisor will never pitch a specific product, instead provide you with a bucket full of options
to choose and decide where you want to invest your money.

 How will you manage my accounts for taxes?

A financial advisor should have the complete information about your finances. How do you manage it?
What are your investments? What are your expenses? These all factors will help in understanding the tax
pattern and where you can be tax benefitted by advising changes in your investments. This will help in
making the job of the financial advisor easier and help you to manage your finances efficiently.
 Do you make the financial plan?
Financial plans are recommended by the financial planners. It encompasses planning the finances for an
individual. But nowadays, many financial planners go with the money box approach for accounting client’s
cash inflows & outflows, income, expenses, financial goals may that be short-term or long-term goals and
family dependency to have a clear idea about any special funds to be raised.

A good financial advisor plays an integral part in your growth journey by ensuring that your ride towards
financial independence is stress free. Make sure you go through these simple yet essential points so that
your wealth creation takes places without any glitches.

The Edelweiss Group is one of India's leading diversified financial services companies providing a broad
range of financial products and services to a substantial and diversified client base that includes
corporations, institutions and individuals. Edelweiss's products and services span multiple asset classes
and consumer segments across domestic and global geographies. Its businesses are broadly divided into
Credit Business (Retail Credit comprises of Retail Mortgage, SME and Business Loans, Loan against
Securities, Agri and Rural Finance, Corporate Credit comprises of Structured Collateralised Credit to
Corporates and Wholesale Mortgages), Franchise & Advisory Business (Wealth Management, Asset
Management including Distressed Assets and Capital Markets) and Insurance (life and general
insurance). The Balance Sheet Management Unit operations manage the liquidity and Balance Sheet.
Edelweiss has an asset base of ~INR 55,100 cr with revenue of INR 8,623 cr and PAT of INR 890 cr for
FY18. Its consistent performance is evidenced by a consolidated PAT CAGR of 38% over last 28 quarters.
The Group’s research driven approach and proven history of innovation has enabled it to foster strong
relationships across all client segments.
The group has sizeable presence in large retail segment through its businesses such as Life Insurance,
Housing Finance, Mutual Fund and Retail Financial Markets. It serves a 12 lac strong client base through
over 10,000 employees based out of over 450 offices. Together with strong network of Sub-Brokers and
Authorized Persons, Edelweiss group has presence across all major cities in India. Edelweiss Financial
Services trades under the symbols NSE: EDELWEISS, BSE: 532922, Reuters: EDEL.NS and EDEL.BO and
Bloomberg: EDEL IS and EDEL IB. Edelweiss stock is covered by sell side research analysts of Morgan
Stanley, ICICI Securities, SBI Cap Securities, Maybank Kim Eng Securities, Credit Suisse Securities, Haitong
International, Citi Research, Emkay Global Financial Services, Ventura Securities, Monarch Networth
Stockbroking, First Call and Aditya Birla Money.
To learn more about the Edelweiss Group, please visit www.edelweissfin.com.
Edelweiss Financial Services Limited Corporate Identity Number: L99999MH1995PLC094641

Our differentiated approach to business, customer-centric initiatives and intelligent investments

in people, technology and brand has helped step up performance and be future-ready.

GUIDING PRINCIPLES
Since inception, a set of guiding principles have governed our operations and have
helped clarify and guide decision-making, however challenging the circumstances. Our
thirteen principles reflect all the values that define us, breathing life into our credo -
'Ideas Create, Values Protect'. They ensure that each employee is guided by a common
vision. As our guiding light, they have aided us in creating value for our stakeholders
year after year, while steering our ambition so that we always stay true to our values.
We will be a Thinking Organization. We will constantly bring ‘thought’ to everything we do. Our
clients’ and our own success depends on our ability to use greater ideation and more imagination in
our approach.
We will be Fair to our clients, our employees and all stake-holders.
We will take care of our People. Our policies – in spirit and in letter – will ensure transparency and
equal opportunity for all. We will go beyond the normal goals of attracting, recruiting, retaining and
rewarding fine talent. We will ensure that every individual in Edelweiss has an opportunity to achieve
their fullest potential.
We will operate as a Partnership, internally and externally. Though individuals are very often
brilliant, we believe teamwork and collaboration will always ensure a better and more balanced
organisation. We will also treat our clients as partners and show them the same respect and
consideration that we would to our internal team members.
We will focus on the Long-Term. Though the world will change a lot in the coming years and our
assumptions for the future may not hold up, we will reflect on the long-term implications of our
actions. Even when making short-term decisions we will be aware of the long-term implications.
We will focus on Growth for our clients, employees and shareholders.
Our Reputation and Image is more important than any financial reward. Reputation is hard to build
and even harder to rebuild. Reputation will be impacted by our ability to think for our clients, maintain
confidentiality and by our adherence to our value system.
We will Obey and Comply with the rules of the land. We will maintain the highest standard of
integrity and honesty. When we are unclear we will seek clarifications.
We will respect Risk. Our business is going to be a constant challenge of balancing risk and reward.
Our ability to constantly keep one eye on risk will guide us through this fine balance.
We will endeavour to grow, protect, and use our Financial Capital wisely.
We are defined by the Experience our customers have with us. We will strive to make it outstanding
at all times.
We will Listen to our customers. Listening is the start of the relationship wherein we understand
their needs and fulfil these with the most appropriate products and solutions.
We recognise that we need to satisfy the Needs, sometimes conflicting, of all stakeholders;
shareholders who entrust us with their capital, employees who create the organisation, customers
who are the reason we exist and society which has given us the resources and opportunity to create
value.

ABOUT US

 Overview
 Our Approach
 Our Leadership
 Guiding Principles
 Awards and Recognition
 Brand
 Investor Relations

ABOUT US
AWARDS & RECOGNITION
 At Edelweiss, we continue to strive for service excellence and have regularly received
accolades that stand testimony to our success in this endeavor. Each year, we receive
several well-respected awards across business, brands and products.

 2018
 2017
 2016

 Among India’s Top 50 Brands

Pitch Top 50 Brands 2018
 Best Employer Brand
Maharashtra Best Employer Brand Awards 2018
 Best Use of Video - #BeUnlimited campaign
Times National Awards for Marketing Excellence 2018
 Fund Innovation of the year - Edelweiss Maiden Opportunities Fund
Times National Awards for Marketing Excellence 2018
 Ad Campaign of the year- True To Label
Times National Awards for Marketing Excellence 2018
 Best Product Innovation - Wealth Plus
Times National Awards for Marketing Excellence 2018
 Best Brand Campaign – Commonwealth Games Campaign
Indian Brand Convention’s BAM Awards 2018
 Best Integrated Marketing Communication – SME Loans Campaign
Indian Brand Convention’s BAM Awards 2018
 Integrated Media Campaign of the Year – SME Loans Campaign
WOW Awards Asia 2018
 Gold for Best Content in an ATL campaign – SME Loans Campaign
India Content Leadership Awards 2018
 Silver for 360 degree media usage in a campaign – SME Loans Campaign
Delhi Ad Club SAARC Awards 2018
 Best Financial Solutions - India 2018
Business Vision Awards 2018, UK
 Fastest Growing Housing Finance Company
Golden Globe Tiger Awards, Kuala Lumpur 2018
 Best Product Innovation - Edelweiss Tokio Life Wealth Plus
Golden Globe Tiger Awards, Kuala Lumpur 2018
 Best Use of Celebrity Endorsement – SME Loans Campaign
7th Global ACEF Customer Engagement Awards 2018
 Most Adaptive Corporate (Runners-up)
Mint Corporate Strategy Awards 2018
 Wealth Creators Super 50 in 2018
Dalal Street Journal
 Best private Bank India
Asiamoney Best Bank Awards 2018
 Golden Peacock Innovative Product/Service Award (Edelweiss Tokio Life Wealth Plus)
Golden Peacock Awards 2018
 Excellence in Wealth Management India
Asian Private Banker, Hong Kong, 2017
 Best use of video - Edelweiss SME campaign
Global Digital Marketing Awards 2017
 Best product innovation - Wealth Plus
ET Now BFSI Awards 2017
 Best housing finance company (mid and small) – Edelweiss Housing Finance Limited
ET Now BFSI Awards 2017
 Best use of mobile technology in financial services - Edelweiss Global Wealth Management
ET Now BFSI Awards 2017
 Insurance Broker of the Year - Edelweiss Insurance Brokers
ET Now BFSI Awards 2017
 Best Customer Centric Culture - Edelweiss Global Wealth Management
Customer Experience Awards 2017

 Best Research Analyst (Organization)

ASSOCHAM Capital Markets Intermediaries Excellence Awards 2017
 Best Risk Management Team of the Year
CRO Leadership Summit & Awards 2017
 Best Mobile app for Edelweiss Mobile Trader
 Mobbys Award 2017
 Leader in Employee Volunteering
iVolunteer Awards 2017
 Best Performing Institutional Member - Edelweiss Securities
NSE Market Achievers Award 2017
 Best Wealth Manager - Rising Star, India
The Asset, Hong Kong
 Featured among India’s Super 50 Companies
Forbes India
 Best Broker Award
FinanceAsia Country Awards 2017
 Best Distributor - South and Southeast Asia; Best Performance - Asia-Pacific; Best Distributor - India; Best Performance
– India
SRP Asia Pacific Awards 2017
 Featured in the Outperformers listing by Outlook Money Magazine
42nd among 168 high performing companies ranked basis their stock’s excess return over Sensex
over the past five years
One of the Top 15 companies whose revenues grew maximum over 5 and 3 year periods
5th among 189 companies that have beaten Sensex return of 16.88% in FY17
 Wealth Management Excellence Award -Edelweiss Global Wealth Management Ltd
Economic Times Premium Brands Felicitation 2017
 Eco-Technology Savvy NBFC Award -Edelweiss Retail Finance Ltd
MSME Banking & NBFC Excellence Awards-2016 (Chamber of Indian Micro Small and Medium
Enterprises)
 Best Life Insurer 2016 – Edelweiss Tokio Life Insurance Ltd
Outlook Money Awards 2016
 Best Product Innovation – Edelweiss Tokio Life Insurance Ltd
Fintelekt Insurance Awards 2017
 Ranked as one of the leading custodians in India
Global Custodian Indian Domestic Survey 2017
 Best Use of Mobile Technology in financial services -Edelweiss Broking Ltd
APB News BFSI Awards 2017
 Best Consumer Mobile Service Award -Edelweiss Broking Ltd
CMO Asia-BBC Knowledge’s Regional Digital Marketing Awards 2017
 Golden Peacock Award for Risk Management
Golden Peacock Awards 2016
 Bronze for Edelweiss Annual Report 2016
ARC Awards 2017
 Asia’s Top 50 Brand leaders - Yash Mohan Prasad
CMO Asia Awards 2017
 Awarded Silver for Best Integrated Media Campaign – Corporate
Indian Digital Media Awards 2017 - for the #IAmTeamIndia campaign
 Awarded Gold for Best Social Media BFSI Brand
Social Samosa Best Social Media Brands 2017
 Gold for digital marketing excellence in financial services sector
DIGIXX 2017
 Best NBFC Award (Runner-up) –Edelweiss Retail Finance Ltd
MSME Banking & NBFC Excellence Awards-2016 (Chamber of Indian Micro Small and Medium
Enterprises)

 EdelGive recognised for its efforts towards Women Empowerment

FICCI CSR Awards 2016
 Edelweiss Structured Products awarded the India House of the Year Award
Asia Risk Awards 2016, Singapore
 Recognised for Marketing Excellence in the BFSI sector
World Marketing Congress, Mumbai 2016
 EdelGive recognised for its efforts towards optimally channelising CSR Budgets
CNBC TV18 Financial Inclusion Awards 2016
 Ranked #3 in four categories - best local brokerage, best execution, best overall sales trading and best overall for
roadshows and company visits
AsiaMoney Brokers Poll 2016
 Silver for the best integrated campaign
India PR and Corporate Communications Awards 2016 for the Edelweiss Olympic campaign
 Best Corporate Governance - India
CFI.co Corporate Governance Awards 2016
 Awarded “Marketing Campaign of the Year 2016”
CMO Asia Awards – For the #IAmTeamIndia campaign
 5 wins across categories at the Brand & Marketing Awards 2016 at the Indian Brand Convention including
Best New Product Launch Edelweiss Trader’s Lounge
Best Marketing Innovations Edelweiss - Union Budget 2016
Best Digital Marketing Campaign Edelweiss #KeepThePromise Industry
 3 Golds at the Asia Pacific Customer Engagement Forum Awards
“Yamraj Road Safety Campaign”, by Edelweiss Tokio Life Insurance for category BTL-successful use
of CSR activity
“26 pe 26”, a customer engagement and activation campaign for category BTL – Activation
“Union Budget 2016” campaign for category Integrated Marketing Innovation

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