India’s TOP 500 Companies 2020

INDIA’S TOP 500 COMPANIES 2020 244 Advertorial Ms. Renu Sud Karnad Managing Director Dun & Bradstreet D-U-N-S® No 65-009-5540 Top 500 Ranking Income 33 Net Profit 12 Networth 11 Management Details Chairman Deepak S. Parekh Vice Chairman & Chief Executive Officer Keki M. Mistry Managing Director Ms. Renu Sud Karnad Executive Director V. Srinivasa Rangan Independent Directors Nasser Munjee Dr. J. J. Irani, U. K. Sinha Jalaj Dani, Dr. Bhaskar Ghosh Ireena Vittal Financial Snapshot (In ` mn) Total Income 433,780.1 Net Profit 96,324.6 Networth 773,554.7 Ratios NPM (%) 22.2 RONW (%) 12.5 Current Ratio (times) 1.2 (As on Mar 31, 2019) Ramon House, H. T. Parekh Marg, 169, Backbay Reclamation, Churchgate, Mumbai - 400020, Maharashtra Website: www.hdfc.com Housing Development Finance Corporation Limited Housing Development Finance Corp. Ltd. (HDFC) was incorporated in 1977 as the first specialized mortgage company in the country. A leading provider of housing finance, HDFC is registered with the National Housing Bank, which is a statutory body under the Govt. of India. HDFC primarily provides loans to facilitate purchase, construction, extension and improvement of residential houses and for commercial real estate, in addition to other services. Cumulatively, the company had financed 7.7 mn housing units till the end of FY20, with gross loans amounting to ` 5.17 tn. Products Offerings HDFC, which pioneered the concept of housing finance in India, offers the following products and services - a) Housing loans: Offers financial assistance for purchase of home, plots and rural housing, in addition to home improvement or extension loans. HDFC’s niche products include ‘HDFC Reach’, which addresses the informal sector and micro entrepreneurs and ‘HDFC Rural Loans’ which largely focuses on customers with rural incomes or acquiring homes in rural and peripheral rural areas. b) Non-housing loans: Provides loan against property for personal as well as business requirements. Both residential and commercial properties can be mortgaged to avail of this loan. Financial assistance is also provided to professionals such as doctors, lawyers, chartered accountants or self- employed businessmen for the purchase, extension, improvement or construction of an office or clinic. Loans to purchase a new or existing commercial plot for constructing an office or clinic are also provided. c) Affordable Housing: HDFC lends financial assistance to the economically weaker section, low income group and middle income group segments under the government’s flagship scheme, ‘Housing for All’. The company has the largest number of home loan customers - of approximately 0.173 mn, who have availed benefits under the Credit Linked Subsidy Scheme (CLSS). d) Diversified financial services: The company also provides a host of other financial services including banking, life insurance and general insurance, asset management, realty, real estate venture capital, education loans among others. Customized home loans for women are also available at special interest rates. Extensive Reach HDFC operates through an extensive pan-India distribution network of 585 interconnected offices – including 206 offices of its wholly-owned distribution company, HDFC Sales Pvt Ltd (HSPL). The company’s distribution channels also include HDFC Bank and third-party direct selling associates, which help in sourcing home loans. Financial Snapshot 2020 (In ` mn) (As on Mar 31, 2020) Total Income 587,633.4 Net Profit 177,696.5 Networth 861,580.6 Ratios NPM (%) 30.2 RONW (%) 20.6 Current Ratio (times) 1.2 Dun & Bradstreet

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