ANNEXURE

Financial report Of HDFC Standard Life Co. Ltd. for Q3 2011-2012 :

FORM L-1-A-RA
Name of the Insurer: HDFC Standard Life Insurance Co. Ltd.
Registration No. and Date of Registration with the IRDA : 101
23rd October 2000
REVENUE ACCOUNT FOR THE NINE MONTHS ENDED 31st December, 2011
Policyholders Account (Technical Account)
Particular
s

Premiums earned - net

(a) Premium
(b) Reinsurance ceded
(c) Reinsurance accepted
Income from Investments
(a) Interest, Dividends & Rent Gross

Schedul
e

L
4

For the
quarter
ended
31st
(Rs.0
00)
21,669,5
30(122,0
80)
2,236,4
80

Upto the
quarter
ended
31st
(Rs.0
00)
57,579,4
18(340,7
06)
6,729,3
93

For the
quarter
ended
31st
(Rs.0
00)
17,800,0
99(133,7
90)
1,492,7
87

Upto the
quarter
ended
31st
(Rs.0
00)
43,933,0
58(340,2
46)
4,602,5
89

(b) Profit on sale/redemption of investments

(c) (Loss on sale/ redemption of Investments)
(d) Transfer/Gain on revaluation/change in fair value*
(e) Appropriation/Expropriation Adjustment Account
(f) Amortisation of (premium)/discount on investments
Contribution from the Shareholders' Account
Other Income
(a) Service Tax recovery
(b) Others
TOTAL
(A)
Commission
Operating Expenses related to Insurance Business
Provision for doubtful debts
Bad debts written off
Provision for Tax
Fringe Benefit Tax
Provisions (other than taxation)
(a) For diminution in the value of investments (Net)
(b) Others
TOTAL
(B)
Benefits Paid (Net)
Interim Bonuses Paid
Terminal Bonuses Paid
Change in valuation of liability in respect of life policies
(a) Gross**
Linked Liability
Non linked Liability
(b) Amount ceded in Reinsurance
(c) Amount accepted in Reinsurance
TOTAL
(C)
SURPLUS/ (DEFICIT) (D) =(A)-(B)-(C)
APPROPRIATIONS
Transfer to Shareholders Account
Transfer to Other Reserves
Funds for future appropriation - Provision for
lapsed policies unlikely to be revived
Balance being Funds For Future Appropriations
Surplus in Revenue Account transferred to Balance
Sheet pending recommendation for allocation from
Appointed Acturary till year end.
Transfer to Balance Sheet being "Deficit in the Revenue
Account (Policyholders Account)"
TOTAL
(D)

5,504,6
13
(446,1
29)
(4,154,0
27) 22,9
89
33,2

L
L-

2,194,0
85
(146,6
97)
5,621,0
94(37,2
50)
(8,6

82
(413,2
53)
28,7
49
10,3
20
24,370,4
75

577,6
91
86,1
27
57,1
77
87,588,9
31

82)
1,103,5
54
9,672
33,8
15
27,928,6
87

4,669,8
94
(1,137,0
59)
43,631,0
77
378,358.
00 (38,7
41)
2,006,8
57
81,9
19
66,2
58
97,853,9
65

968,9
92
3,578,6
39 -

3,194,2
91
11,218,2
69 -

4,547,6
31
8,446,3
254
579

14,412,5
60
21,248,3
453
1,020

1,354,0
06
3,562,6
51 4,916,6
57
4,097,7
-

3,592,0
74
10,633,0
92 12,5
97
14,237,7
63
8,714,3
427
1,131

9,554,0
64
2,345,5
81(61,5
68)
20,285,2
59(462,4

45,915,1
24
6,427,8
78
(194,4
30)73,398,3
71(222,0

16,470,4
111,700,8
50(58,8
96)
22,210,1
57 801,8

69,497,8
00
4,196,5
91
(123,1
06)82,287,1
80
1,329,0

(95,0
66)
-

259,2
39-

846,6
94
91,1
70

1,365,6
22825,3
53

126,2
89
770,6
51

376,5
40
693,2
43

(15,2
79)
(1,385,0
00)
(462,4
15)

17,4
77
(2,430,4
52)
(222,0
00)

801,8
74

1,329,0
22

14,848,3
34(943,2
40)
8,811,5
28129,8
79
53,329

FORM L-2-A-PL
Name of the Insurer: HDFC Standard Life Insurance Co. Ltd.
Registration No. and Date of Registration with the IRDA : 101
23rd October 2000
PROFIT & LOSS ACCOUNT FOR THE NINE MONTHS ENDED 31st December, 2011
Shareholders Account (Non-technical Account)
Particular
s

Amounts transferred from the Policyholders Account

(Technical
Account)From Investments
Income
(a) Interest, Dividends & Rent Gross
(b) Profit on sale/redemption of investments
(c) (Loss on sale/ redemption of investments)
(d) Transfer / gain on revaluation / change in fair value
(e) Amortisation of (premium)/discount on investments
Other Income
TOTAL
(A)
Expenses other than those directly related to the insurance
Bad debts written off
Transfer to Policyholders' fund
Provisions (Other than taxation)
(a) For diminution in the value of investments (Net)
(b) Provision for doubtful debts
(c) Others
TOTAL
(B)
Profit/ (Loss) before tax
Provision for Taxation
Profit / (Loss) after tax
APPROPRIATIONS
(a) Balance at the beginning of the year
(b) Interim dividends paid during the year
(c) Proposed final dividend
(d) Dividend distribution tax
(e) Transfer to reserves/ other accounts
Transfer to liabilities on account of Employee benefits
Profit / (Loss) carried forward to the Balance Sheet

Sched
ule

For the
quarter
ended
31st
(Rs.0
00)
-

105,4
19
5,688
(924)
(880)
6
109,3
09
560
(413,2
53)
(412,6
93)
522,0
02 522,0
02
(15,311,8
02)
(14,789,8
00)

Upto the
quarter
ended
31st
(Rs.0
00)
-

291,8
72
166,9
24
(1,637)
(2,879)
20
454,2
99
1,442
577,6
91
579,1
33
(124,8
34) (124,8
34)
(14,664,9
66) (14,789,8
00)

For the
quarter
ended
31st
(Rs.0
00)
(95,0
66)
71,266
11,356
(713)
(143)
(13,3
00)
1,886
1,103,5
54
1,105,4
40
(1,118,7
40) (1,118,7
40)
(12,326,3
44) (13,445,0
84)

Upto the
quarter
ended
31st
(Rs.0
00)
259,2
39
208,2
42
12,767
(1,931)
355
478,6
72
3,778
2,006,8
57
2,010,6
35
(1,531,9
62) (1,531,9
62)
(11,913,1
22) (13,445,0
84)

FORM L-3-A-BS
Name of the Insurer: HDFC Standard Life Insurance Co. Ltd.
Registration No. and Date of Registration with the IRDA : 101
23rd October 2000
BALANCE SHEET AS AT 31st December, 2011

SOURCES OF FUNDS
SHAREHOLDERS FUNDS:
SHARE CAPITAL
RESERVES AND SURPLUS
CREDIT/[DEBIT] FAIR VALUE
CHANGE ACCOUNT
Sub-Total
BORROWINGS
POLICYHOLDERS FUNDS:
CREDIT/[DEBIT] FAIR VALUE
CHANGE ACCOUNT
POLICY LIABILITIES
INSURANCE RESERVES
PROVISION FOR LINKED LIABILITIES

Schedul
e

L-8, L9
L-10

L-11

Sub-Total
Funds for Future Appropriations
Funds for future appropriation - Provision
for lapsed policies unlikely to be revived
Surplus in Revenue Account pending
recommendation for allocation from
Appointed Actuary till period end
TOTAL
APPLICATION OF FUNDS
INVESTMENTS
Shareholders
Policyholders
ASSETS HELD TO COVER LINKED
LOANS
FIXED ASSETS
CURRENT ASSETS
Cash and Bank Balances
Advances and Other Assets
Sub-Total (A)
CURRENT LIABILITIES
PROVISIONS
Sub-Total (B)
NET CURRENT ASSETS (C) = (A B)
MISCELLANEOUS EXPENDITURE (to
the extent not written off or adjusted)
DEBIT BALANCE IN PROFIT &
LOSS ACCOUNT (Shareholders
Account)
DEBIT
BALANCE IN REVENUE
ACCOUNT (Policyholders' Account)
TOTAL

L-12
L-13
L-14
L-15
L-16

L-17
L-18

L-19
L-20

L-21

As at
31st December,
(Rs.0
00)

As at
31st December, 2010
(Rs.0
00)

19,826,3
33
1,440,3
58
55,287

18,459,5
45
552,8
92
168,6
70

21,321,9
78 -

19,181,1
07 -

180,6
40
43,900,3
55 201,132,9
24

116,4
52
33,165,9
03 138,280,7
36

245,213,9
20

171,563,0
91

2,315,3
66
2,430,4
52

1,279,6
38
908,5
11

17,477

271,299,1
94

192,932,3
46

6,686,5
76
51,430,6
39

5,498,5
31
40,016,1
62

201,132,9
24
96,934

138,280,7
36
41,103

2,189,5
04

1,265,8
54

1,484,1
37
4,889,5
61
6,373,6
98

2,825,6
45
4,246,0
29
7,071,6
74

13,576,8
42 254,4
91
13,831,3
33
(7,457,6
35)

12,472,0
54 214,7
45
12,686,7
99
(5,615,1
25)

14,789,8
00
2,430,4
52
271,299,1
94

13,445,0
84
192,932,3
46

As at
31st December,

As at
31st December, 2009

(Rs.0
00)4,891

(Rs.0
00) 4,346

CONTINGENT LIABILITIES
Particulars

1) Partly paid-up investments

2) Claims, other than against policies,
not acknowledged as debts by the
company
3) Underwriting commitments outstanding
(in respect of shares and securities)
4) Guarantees given by or on behalf of the
5) Statutory demands/ liabilities in dispute,
not provided for
6) Reinsurance obligations to the extent
not provided for in accounts
7) Others
TOTAL

5,973,1
33
-

1,465,7
18
-

5,978,0
24

1,470,0
64

SCHEDULES FORMING PART OF FINANCIAL STATEMENTS

FORM L-4-PREMIUM SCHEDULE
PREMIUM

Particula
1
2
3

For the
quarter
ended 31st
(Rs.00

First year premiums

Renewal Premiums
Single Premiums
TOTAL PREMIUM

Particula
rs
Commission paid
Direct - First year premiums
- Renewal premiums
- Single premiums
Add: Commission on Re-insurance
Accepted
Less: Commission on Re-insurance
Ceded
Net Commission

6,953,3
78
12,388,0
60
2,328,0
92
21,669,5
For the
quarter
ended
31st
(Rs.00
0)
668,6
33
256,7
72
43,5
87
-

Upto the
quarter
ended 31st
(Rs.00

For the
quarter
ended 31st
(Rs.00

Upto the
quarter ended
31st
(Rs.00

22,719,8
8,696,9
31
09
31,903,2
8,668,3
35
00434,8
2,956,3
52
90
57,579,4
17,800,0
Upto the 18
For the
quarter
quarter
ended
ended
31st
31st
(Rs.00
(Rs.00
0)
0)

20,087,3
67
22,747,0
97
1,098,5
94
43,933,0
Upto the58
quarter
ended
31st
(Rs.00
0)

2,507,7
76638,9
38
47,5
77
-

1,170,0
96181,5
77
2,333

2,994,8
91592,2
71
4,912

968,9
92

3,194,2
91

1,354,0
06

3,592,0
74

FORM L-5 - COMMISSION SCHEDULE

COMMISSION EXPENSES

Break-up of the expenses (Gross)

incurred to procure business :
Agents
Brokers
Corporate Agency
Referral
Others
Total

268,5
38
9,631
690,9
64
(141)
968,9
92

851,8
45
15,8
62
2,325,2
581,326
3,194,2
91

295,7
53
1,982
1,054,1
662,105
1,354,0
06

1,070,8
164,568
2,506,3
22 10,3
68
3,592,0
74

FORM L-6-OPERATING EXPENSES SCHEDULE

OPERATING EXPENSES RELATED TO INSURANCE BUSINESS

1
2
3
4
5
6
7
8
9
1
0

1
1
2
1
3

1
4

Particul
ars
Employees remuneration & welfare benefits
Travel, conveyance and vehicle running expenses
Training expenses
Rents, rates & taxes
Repairs
Printing & stationery
Communication expenses
Legal & professional charges
Medical fees
Auditors' fees, expenses etc
a) as auditor
b) as adviser or in any other capacity, in respect of
(i) Taxation matters
(ii) Insurance matters
(iii) Management services; and
c) in any other capacity
Advertisement and publicity
Interest & Bank Charges
Others
(a) Computer Expenses
(b) General Office & Other Expenses
(c) Business Development Expenses
(d) Loss on Sale of Fixed Assets
(e) Service Tax
Depreciation
- Depreciation on assets owned by policyholders
- Reimbursement of depreciation of assets for use of
Shareholders Assets
TOTAL

For the
quarter
ended
31st
(Rs.0

00)
1,323,2
52 45,4
12
19,5
65
217,9
54
3,763
12,4
76
58,5
22
178,8
06
12,6
33
1,740
1,057,2
46
8,174
66,6
09
233,3
41
84,7
82
820
84,2
92
169,2
52 -

3,578,6
39

Upto the quarter

ended 31st
December,
(Rs.0
00)
4,505,
749
119,230
269,678
741,745
11,821
71,030
182,289
590,887
32,332

For the
quarter
ended
31st
(Rs.0

00)
1,533,
971
44,859

266,
030
4,278
29,292
80,995
144,
996
13,281

2,764

513

50
2,693,
068
23,347

5
738,
567
7,350
56,827
192,
198
102,
371 287,
221
82,535

217,410
540,540
344,100
13,595
454,133
404,501
-

11,218,2
69

3,562,6
51

Upto the
quarter
ended
31st
(Rs.0
00)
4,257,8
20111,5
22
191,9
69
787,9
27
10,2
80
96,9
89
242,0
09
504,5
67
39,3
89
1,532
5
2,054,1
56 21,9
35
177,3
82
535,3
70
404,3
41848,6
28
347,2
71
10,633,0
92

FORM L-7-BENEFITS PAID SCHEDULE

BENEFITS PAID [NET]

Particula
rs
1. Insurance Claims
(a) Claims by Death,
(b) Claims by Maturity,
(c) Annuities / Pension payment,
(d) Periodical Benefit
(e) Others
Surrenders
Critical Illness
Permanent & Partial Disability
Withdrawals
Vesting of Pension policy
Sub Total (A)
2. (Amount ceded in reinsurance):
(a) Claims by Death,
(b) Claims by Maturity,
(c) Annuities/Pension payment,
(d) Periodical Benefit
(e) Health
(f) Others
Surrenders
Critical Illness
Permanent & Partial Disability
Sub Total (B)
3. Amount accepted in reinsurance:
(a) Claims by Death,
(b) Claims by Maturity,
(c) Annuities/Pension payment,
(d) Periodical Benefit
(e) Health
(f) Others
Sub Total (C)

Upto the
quarter
ended
31st
(Rs.0

For the
quarter
ended
31st
(Rs.0

00)

00)

286,4
67
2,688
5,063
22,6
81
7,006,6
726,529
1,151,2
543,885

750,0
87
5,245
15,2
43
114,5
77
17,626,6
41 24,8
70
2,773,6
63 41,6
25
21,351,9
51

181,3
44
2,134
3,889
44,3
56
3,250,1
25 10,2
21
638,0
65
9,211

(93,3
93)

8,485,2
39

00)

4,139,3
45

Upto the
quarter
ended
31st
(Rs.0
00)
432,2
16
2,372
9,182
139,2
80
6,878,7
55 21,1
63
1,298,1
28 30,8
05
8,811,9
01

(36,3
07)(2,5
83)
(38,8
90)

(103,6
25)

(35,7
51)
(5,8
02)
(41,5
53)

(10,2
32)

8,446,3
21,248,3
49
26
(a) Claims include specific claims settlement costs, wherever applicable.
(b) Legal, other fees and expenses also form part of the claims cost, wherever applicable.
TOTAL

Notes:

For the
quarter
ended
31st
(Rs.0

4,097,7
92

(84,7
74)

(12,7
90)
(97,5
64)

8,714,3
37

FORM L-8-SHARE CAPITAL SCHEDULE

SHARE CAPITAL

1
2
3
4

Particula
rs
Authorised Capital
Equity Shares of Rs. 10 each
Issued Capital
Equity Shares of Rs. 10 each
Subscribed Capital
Equity Shares of Rs. 10 each
Called-up Capital
Equity Shares of Rs. 10 each
Less : Calls unpaid
Add : Shares forfeited (Amount originally
paid up)
Less : Par value of Equity Shares bought
back
Less : Preliminary Expenses
Expenses including commission or
brokerage on Underwriting
or subscription of shares
TOTAL

As at
31st December,
2011
(Rs.00
0)
30,000,0
00
19,826,3
33
19,826,3
33
19,826,3
33 -

19,826,3
33

As at
31st December,
2010
(Rs.00
0)
30,000,0
00
18,460,0
00
18,460,0
00
18,460,0
00 (455)

18,459,5
45

Share Capital amounting to Rs. 143,787,760 thousand (Previous year : Rs. 133,777,600
thousand) is held by Housing Development Finance Corporation Limited, the holding
company.

FORM L-9-PATTERN OF SHAREHOLDING SCHEDULE

PATTERN OF SHAREHOLDING
[As certified by the
Management]
Shareholder
As
at
Number of
Shares
Promoters
Indian / Holding Company
Foreign
Others - Domestic
Total

1,437,877,6
00515,191,7
33
29,564,0
00
1,982,633,3
33

As
at
% of Holding

72.52
%
25.99
%
1.49
%
100.00
%

Number of
Shares
1,337,776,0
00479,960,0
00
28,264,0
00
1,846,000,0
00

% of Holding

72.47
%
26.00
%
1.53%
100.00
%

1
2
3
4
5

6
7
8

Particula
rs

Capital Reserve
Capital Redemption Reserve
Share Premium
Revaluation Reserve
General Reserves
Less: Debit balance in Profit and Loss
Account,
if any Amount utilized for Buy-back
Less:
Catastrophe Reserve
Other Reserves
Balance of profit in Profit and Loss Account

As at
31st December, 2011
(Rs.00
0)
887,4
66
552,8
92-

TOTAL
FORM L-10-RESERVES AND SURPLUS SCHEDULE
RESERVES AND SURPLUS

1,440,3
58

As at
31st December, 2010
(Rs.00
0)
552,8
92 552,8
92

As at
31st December,
(Rs.00
0)
-

Particulars
1
2
3
4

Debentures/ Bonds
Banks
Financial Institutions
Others
TOTAL

As at
31st December,
(Rs.00
0)

FORM L-11-BORROWINGS SCHEDULE

BORROWINGS

Particula
rs
LONG TERM INVESTMENTS
1 Government securities and Government guaranteed bonds including
Treasury
Bills Approved Securities
2 Other
3 Other Investments
(a) Shares
(aa) Equity
(bb) Preference
(b) Mutual Funds
(c) Derivative Instruments
(d) Debentures/ Bonds
(e) Other Securities
(f) Subsidiaries
(g) Investment Properties-Real Estate
4 Investments in Infrastructure and Social Sector
5 Other than Approved Investments
Sub Total (A)
SHORT TERM INVESTMENTS
1 Government securities and Government guaranteed bonds including
Treasury
2 Bills
Other Approved Securities
3 Other Investments
(a) Shares
(aa) Equity
(bb) Preference
(b) Mutual Funds
(c) Derivative Instruments
(d) Debentures/ Bonds
(e) Other Securities
Commercial Paper
Certificate of Deposit
Repo Investments
(f) Subsidiaries
(g) Investment Properties-Real Estate
4 Investments in Infrastructure and Social Sector
5 Other than Approved Investments

As at
31st December,
2011
(Rs.00
0)

As at
31st December,
2010
(Rs.00
0)

2,139,7
75 -

2,345,9
81 -

262,7
89308,9
15757,5
40
1,016,0
99109,0
20
4,594,1
38

441,56
3 99,99
9757,5
40
801,0
99
101,9
47
4,548,1
29

Sub Total (B)

466,9
14
1,199,0
63275,9
72150,4
892,092,4
38

43,3
0050,5
31
142,4
80
714,0
91 950,4
02

TOTAL

6,686,5
76

5,498,5
31

FORM L-12-INVESTMENTS SHAREHOLDERS

SCHEDULE INVESTMENTS-SHAREHOLDERS

Particula
rs
LONG TERM INVESTMENTS
Government securities and Government guaranteed bonds including
Treasury
Bills* Approved Securities
Other
Other Investments
(a) Shares
(aa) Equity
(bb) Preference
(b) Mutual Funds
(c) Derivative Instruments
(d) Debentures/ Bonds
(e) Other Securities
Deep Discount Bonds
(f) Subsidiaries
(g) Investment Properties-Real Estate
Investments in Infrastructure and Social Sector
Other than Approved Investments
Sub Total (A)
SHORT TERM INVESTMENTS
Government securities and Government guaranteed bonds including
Treasury
Bills
Other Approved Securities
Other Investments
(a) Shares
(aa) Equity
(bb) Preference
(b) Mutual Funds
(c) Derivative Instruments
(d) Debentures/ Bonds
(e) Other Securities
Commercial Paper
Certificate of Deposit
Deep Discount Bonds
Repo Investments
(f) Subsidiaries
(g) Investment Properties-Real Estate
Investments in Infrastructure and Social Sector
Other than Approved Investments
Sub Total (B)
TOTAL
FORM L-13-INVESTMENTS POLICYHOLDERS
SCHEDULE INVESTMENTS-POLICYHOLDERS

As at
31st December,
(Rs.00
0)

As at
31st December, 2010
(Rs.00
0)

28,369,5
52
-

19,292,5
21
-

1,500,0
32
2,688,6
92
653,5
33
10,329,0
49 396,7
91
43,937,6
49

1,385,3
52
2,646,1
43
9,738,0
62
457,959
33,520,0
37

81,563
-

19,364
-

1,152,0
97
203,7
53 243,1
31
1,789,0
59
1,938,2
30
2,085,1
57 7,492,9
90

1,758,1
98
509,372
363,359
1,334,6
45
2,268,4
44
191,878
50,865
6,496,1
25

51,430,6
39

40,016,1
62

FORM L-14-ASSETS HELD TO COVER LINKED LIABILITIES SCHEDULE

ASSETS HELD TO COVER LINKED LIABILITIES

Particula
rs
LONG TERM INVESTMENTS
1 Government securities and Government guaranteed bonds including
Treasury
2 Bills
Other Approved Securities
3 Other Investments
(a) Shares
(aa) Equity
(bb) Preference
(b) Mutual Funds
(c) Derivative Instruments
(d) Debentures/ Bonds
(e) Other Securities
Deep Discount Bonds
Fixed Deposit
(f) Subsidiaries
(g) Investment Properties-Real Estate
4 Investments in Infrastructure and Social Sector
5 Other than Approved Investments
Sub Total (A)
SHORT TERM INVESTMENTS
1 Government securities and Government guaranteed bonds including
Treasury
Bills Approved Securities
2 Other
3 Other Investments
(a) Shares
(aa) Equity
(bb) Preference
(b) Mutual Funds
(c) Derivative Instruments
(d) Debentures/ Bonds
(e) Other Securities
Fixed Deposit
Commercial Paper
Certificate of Deposit
Deep Discount Bonds
Repo Investments
(f) Subsidiaries
(g) Investment Properties-Real Estate
4 Investments in Infrastructure and Social Sector
5 Other than Approved Investments
Sub Total (B)

1
2
3
4
5
6

OTHER ASSETS
Interest Accrued and Dividend Receivable
Other Receivable
Appropriation/Expropriation Adjustment Account
Investment Sold Awaiting Settlement
Investment Purchased Awaiting Settlement
Other Liabilities (net)
Sub Total (C )
TOTAL (A+B+C)

As at
31st December, 2011
(Rs.0
00)

As at
31st December, 2010
(Rs.000)

11,852,2
11
-

4,687,3
84
-

122,537,0
87
5,024,3
20
423,141
31,263,2
92
7,304,2
62
178,404,3
13

90,820,2
34
3,405,837
993,396
16,079,9
14
9,183,465
125,170,2
30

221,964
-

32,420
-

2,138,9
89
4,917,3
57
584,037
4,193,6
86
234,633
1,991,9
49
6,152,7
86
20,435,4
01

908,981
789,898
5,066,915
118,400
1,773,429
2,012,419
799,845
204,138
11,706,4
45

1,187,2
35
492,767
543,528
653,505
(324,3
09)
(259,5
16)
2,293,2
10

1,123,3
59 378,358
23,960
(121,616)
1,404,0
61

201,132,9
24

138,280,7
36

FORM L-15-LOANS SCHEDULE

LOANS

As at

31st December,
1

Particula
rs
SECURITY-WISE CLASSIFICATION
Secured
(a) On mortgage of property
(aa) In India
(bb) Outside India
(b) On Shares, Bonds, Government Securities, etc.
(c) Loans against policies
(d) Others
Unsecured
TOTAL

BORROWER-WISE CLASSIFICATION
(a) Central and State Governments
(b) Banks and Financial Institutions
(c) Subsidiaries
(d) Companies
(e) Loans against policies
(f) Loans to employees
(h) Others
TOTAL

PERFORMANCE-WISE CLASSIFICATION
(a) Loans classified as standard
(aa) In India
(bb) Outside India
(b) Non-standard loans less provisions
(aa) In India
(bb) Outside India
TOTAL

MATURITY-WISE CLASSIFICATION
(a) Short Term
(b) Long Term
TOTAL

(Rs.00
0)

As at
31st December,
(Rs.00
0)

303
40,288
56,343
96,934

425
39,731
947
41,103

40,894
858
55,182
96,934

39,902
1,201
41,103

96,934

41,103

96,934

41,103

2,421
94,513

1,447
39,656

96,934

41,103