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Company Profile

Indiabulls Financial Services Ltd is one of the India's leading and fastest growing
private sector financial services companies in India providing Home Loans, Consumer
Vehicle Loans, Loans to SMEs and Business Loans. The company, along with their
subsidiaries, is engaged in investing and finance related activities (investing in various
subsidiaries, financing of loans and credit activities) and fee income, which mainly
comprises of financial service related fee based advisory services income, selling of
insurance products as a licensed corporate agent, and other related ancillary services.
The company is also engaged in investment/ dealing in securities. Their financing
activities include offering of various lending products, such as individual home
mortgages and other housing loans; secured and unsecured commercial loans to SME;
loans against shares; secured commercial vehicle and tractor loans, and loans to retail
Indian investors subscribing to registered equity offerings. The company serves more
than 500,000 customers across different financial products through their branch
network, call centers & the internet. They have their presence in 140 locations in India,
spread across 18 states and union territory. The company ranks among the top private
sector financial services and banking groups in terms of net worth. They are amongst 68
companies constituting MSCI - Morgan Stanley India Index. Also, the company is part
of CLSA's model portfolio of 30 Best Companies in Asia. Indiabulls Financial Services
Ltd was incorporated on January 10, 2000 as a private limited company with the name
Orbis Infotech Pvt Ltd. In March 16, 2001, the name of the company was changed from
Orbis Infotech Pvt Ltd to Indiabulls Financial Services Pvt Ltd due to the change in
main objects of the company from Infotech business to Investment & Financial Services
business. In March 30, 2001, the company was registered as an NBFC to carry on the
business of NBFC, not accepting public deposits, as the company is a holding company.
Subsequently, the company started investing and providing loans to their subsidiary
companies engaged in different activities. During the year 2002-03, the company
expanded their service offering to Equity, F&O, Wholesale Debt, Mutual fund, IPO
distribution and Equity Research. During the year 2003-04, the company ventured into
insurance distribution and commodities trading. In February 27, 2004, the company was
converted into public limited company and the name was changed to Indiabulls
Financial Services Ltd. The company commenced the activity of providing credit
facilities to retail customers with effect from April 1, 2004. During the year 2004-05,
they started their consumer finance business. Also, they entered the Indian Real Estate
market and became the first company to bring FDI in Indian Real Estate. During the
year 2006-07, the company completed the de-merger of their real estate business into a
separate publicly traded company, Indiabulls Real Estate Ltd. Also, they acquired the
minority interests in their mortgage subsidiary, Indiabulls Housing Finance Ltd, and
thus increased their ownership to 100% in the fast growing mortgage and loans against
property business. During the year 2007-08, the company restructured their business
operations through a scheme of arrangement, in which Indiabulls Credit Services Ltd
was amalgamated with the company with effect from April 1, 2007. Also, the company
de-merged the securities broking and advisory business as a going concern to Indiabulls
Securities Ltd with effect from April 01, 2007. During the year, the company received
the in-principle approval from SEBI for their Asset Management business. In April
2008, the company entered into a joint venture agreement with Sogecap, the life
insurance subsidiary of Societe Generale of France for their upcoming life insurance
venture. During the year 2009-10, the company set up India's fourth Multi Commodities
Exchange, ICEX (Indian Commodity Exchange Ltd) in partnership with MMTC Ltd,
the largest international trading house in India. National Commodity Exchange went
live on November 27, 2009. During the year, the company and Sogecap, the life
insurance subsidiary of Societe Generale of France, mutually agreed not to pursue the
life insurance joint venture in India, for which they had entered into a joint venture
agreement in April 2008. In June 2010, the company invested Rs. 15 lakh in one of their
newly formed wholly owned subsidiary, Indiabulls Holdings Ltd. Also, the company
divested two of their wholly owned subsidiaries with a share capital of Rs. 5.00 lakh
each to Indiabulls Holdings Ltd. The company intends to pursue their insurance venture
and is looking for a new insurance joint venture partner. The company is in the process
of getting final approval for their asset management business to manage mutual funds.

PRODUCTS AND SERVICES

Inst. Sales
% of % Cap. Sales Sales
Product Name Unit Prod. Prodn (Rs.) /
Stock Util. Qty (Cr.)
Cap Unit
Interest Rs. 87.6 0.0 0 0 0 1,245.20 -
Processing and
Rs. 8.8 0.0 0 0 0 125.57 -
Renewal Fees
Other Fees Rs. 1.4 0.0 0 0 0 19.24 -
Dividend Rs. 1.0 0.0 0 0 0 14.15 -
Advisory Fees Rs. 0.9 0.0 0 0 0 12.29 -
Commission Rs. 0.3 0.0 0 0 0 3.99 -
Web Portal fees NA 0.0 0.0 0 0 0 0.29 -
Profit on sale of
Rs. 0.0 0.0 0 0 0 0.07 -
Investment
Income from
Rs. 0.0 0.0 0 0 0 0.01 -
Services
Income on
NA 0.0 0.0 0 0 0 0.00
Assigment of Loans

Indiabulls Group was established in 2000 and within a short span has grown into one of
the leading Indian business houses with its companies being listed on Indian and overseas
financial markets having a combined net worth in excess of Rs. 18,000 crores.

History
Indiabulls was founded in 2000 by Sameer Gehlaut, Saurabh Mittal and Rajiv Rattan as
Indiabulls Securities Ltd., a brokerage company with its revolutionary online trading
platform. In 2004, Indiabulls Group diversified in to lending and credit services. In 2005,
Indiabulls forayed in to Real Estate with the purchase of mill lands in Central Mumbai. In
2007, building on its capabilities of successfully executing large and complex projects the
group diversified into Power. Indiabulls Group all along its journey has successfully
delivered value for its customers, partners and shareholders by way of superior products ,
services and timely execution.

Indiabulls Group has four main listed companies:

Indiabulls Financial Services (IBFSL) is one of India's leading non-banking financial


companies (NBFCs). IBFSL’s wholly owned subsidiary Indiabulls Housing Finance
Limited (IBHFL) is a SARFAESI notified Housing Finance Company (HFC) providing
mortgages across India. With a cumulative disbursal of Rs. 40,000 crores over past five
years, IBFSL is a leading provider of lending and other financial products including
home mortgages, loans against property, commercial vehicle loans, and commercial
credit to prime corporates only. IBFSL provides competitively priced home loans to the
salaried segment clients with very high credit rating. IBFSL offers a very high level of
client servicing standards through its highly trained staff and large distribution network
encompassing more than 140 locations across India. IBFSL's focus is on lending to prime
AAA clients backed by fully secured loans. IBFSL enjoys AA+ rating and has among the
lowest leverage and highest net worth among its peer group and has very stable long term
financing from leading Indian and international banks and financial institutions.

• Indiabulls Real Estate (IBREL) is one of India's largest listed developers


currently developing 57 million square feet of residential and commercial real
estate. IBREL has an additional land bank in excess of 3,050 acres. IBREL's
strategy is to be a focused regional player. More than 90% of IBREL's portfolio
by value is in the three major markets of Mumbai, NCR and Chennai. IBREL's
has acquired land in excess of Rs. 3,000 crores through government land auctions
alone over the past five years. IBREL has delivered a record 3.3 million SF
developed space valued in excess of Rs. 7,000 crores (within 4 years of
inception). This would be fastest and largest delivery in value terms by any Indian
real estate developer in the same time period. IBREL's flagship 7 million SF high-
end residential and commercial development in Central Mumbai has won awards
for the best office property and has leading international and Indian firms as
tenants.

• Indiabulls Power (IBPOW) is developing over 6,600 MW of power generating


capacity across India. Execution on 5,400 MW of coal based thermal power at
Nashik and Amravati in Maharashtra amounting to a capital expenditure of Rs.
28,000 crores is already in full swing with land, water, coal and environmental
clearances in place. Work is being executed by leading Indian and international
suppliers and contractors such as BHEL, L&T, ABB, Areva, Gammon, GDC,
Kirloskar and Shapoorji Pallonji.
• Indiabulls Securities (ISL) is one of India's leading capital markets company
providing securities broking and advisory services. ISL also provides depository
services, equity research services and IPO distribution to its clients and offers
commodities trading through a separate company. These services are provided
both through on-line and off-line distribution channels. ISL is a pioneer of on-line
securities trading in India. ISL's in-house trading platform is one of the fastest and
most efficient trading platforms in the country.

 Financial Services
Home Loans
Loan Against Property
Commercial Credit Loans
Commercial Vehicle Loans

 Real Estate
Indiabulls Enigma Gurgaon
One Indiabulls Centre
Indiabulls SKY
Centrum Park Gurgaon
Greens Panvel
Greens Chennai
Central Park Hyderabad
Nashik SEZ
Indiabulls Finance Centre

 Securities
Equity Research
Commodities
Internet Trading
NRI Online Trading

 Power
Amravati Thermal Power Project
Nasik Thermal Power Project
Hydro Power Project
Competition
Last Price Market Cap. Sales Net Profit Total
(Rs. cr.)
Turnover
Indiabulls 177.30 5,510.75 1,420.81 264.16 11,
SKS Microfin 647.35 4,660.83 - - 3,
Edelweiss Cap 48.10 3,612.17 245.53 34.21 2,
Motilal Oswal F 173.60 2,504.26 51.13 42.38
India Infoline 82.45 2,405.81 698.04 152.02 1,
Delta Corp 106.95 1,787.79 54.10 13.57
Network 18 134.15 1,551.76 32.96 -44.54 1,
Future Capital 196.05 1,270.08 55.29 17.32 1,
Geojit BNP 33.40 754.28 261.71 56.80
Nalwa Sons Inv 1,029.60 528.82 12.02 9.11