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Current Maturities of LoanTerm Borrowings 733.73 505.25 166.50
t
Short Term Borrowing s r 8.60 272.01 417.58
Interest accrued and dueon borrowings 1.19
Net Fixed Assets 2.86 2.01 t.t4Non Current Assets 4025.30 3,129.47 2,313.19Cash and Cash Equivalents 14.23 r 1.48 s.81Current Investments
Current Assets 250.34 202.89 165.80Current Liabilities (includingborrowings) 1322.55 840.21 622.5s
Assets Under Management (Securitized)
Off Balance Sheet Assets tt8t.25lnterest Income 460.39 36s.03 279.16Interest Expense 283.21 237.24 187.98Provisioning & Write-offs 5.46 4.44 3.47PAT 87.07 65.47 4s.06Gross NPA (%) 0.04% 0.05% 0.05%Net NPA (%) 0.02% 0.02% 0.03%Tier I Capital Adequacy Ratio (%) 10.32% t0.48% 8.86%Tier II Capital Adequacy Ratio (%) 7.70% 7.07% 8.86%
Gross Debt: Equity Ratio of the Company (as on June 30, 201g):
Before the issue of debt securities 8.7After the issue of debt securities 9.4
(d)
6.4
(a)
Project cost and means of financing, in case of funding new projects: N.A.
Brief history of Issuer since its incorporation giving details of its followingactivities:
Details of Share Capital as on June 30, 2018: 3
Share Capital No. of Shares (FaceValue ( 10 each)
Amount (t InCrores)
Authorised Share Capital 15,50,00,000 155.00Issued, Subscribed and Paid-up Share Capital 13,15,26,359 l3l.53
ffi3\/4-7^iS:<rr
(b) changes in its capital structure as on June 30,201g, for the last five years:
Date ofchange(AGn4/EGM)
Amount (in Q Particulars of change
Dec 15,2007 20,00,00,000 Increase in Authorised Share capffi( 20 Crore
Jul 09,2010 25,00,00,000 Increase in Authorised Share Capital from { 20 Crore to T25 Crore
Sep 14,2010 40,00,00,000 Increase in Authorised Share Capital from t 25 Crore to {40 Crore
Mar 25,2011 70,00,00,000 Increase in Authorised Share Capital from { 40 Crore to <70 Crore
Jul 15,201 1 100,00,00,000 Increase in Authorised Share Capital from { 70 Crore to <100 Crore
Feb 21,2012 1,50,00,00,000 Increase in Authorised Share Capital from { 100 Crore to{150 Crore
May 25,2016 1,55,00,00,000 Increase in Authorised Share Capital from { 150 Crore toT155 Crore
(c) Equity Share Capital History of the Company as on June 30,2018, for the last five
Date ofAllotme
nt
. No. ofEquityShares
FaceValu
e
(in<)
IssuePrice(i" O
Natureof
consideration(cash,otherthan
cash etc.)
Nature ofAllotment
Cumulative Share CapitalNo. ofEquitvShares
EquityShareCapital (ino
EquitySharePremium(inQ
Remarks
Apr 15,
200939,55,335
l0 3,95,53,350
Otherthan cash
Conversionu 7,54,25,335
15,42,53,350
4,01,46,650
May 19,
201039,55,335
l0 3,95,53,350
Otherthan cash
Conversionb 1,93,80,670
19,39,06,700
8,02,93,300
Jul 09,2010
40,29,000
l0 4,02,90,000
Cash NotApplicable
2,34,08,670
23,40,96,700
8,02,93,300
Sep 14,
201070,00,000
10 7,00,00,000
Cash NotApplicable
3,04,08,670 !
30,40,96,700
8,02,93,300
Jun 01,2013
2,33,33,JJJ
l0 23,33,33,330
Otherthan cash
Conversion' 5,37,42,003
53,74,20,030
9,69,59,966
August12.2016
20,00,000
l0 10,00,00,000
Cash NotApplicable
5,57,42.003
55,74,20,030
17,63,94,966
March30.2017
50,00,000
l0 45,00,00,000
Cash NotApplicable
6,07,42,003
60,74,20,030
57,63,84,966
July 3 1,
201713,70,600
l0 14,99,99,464
Cash NotApplicable
6,21,12,603
62,11,26,030
71,26,77,430
March28,2019
2,413,900
l0 35,00,01,000
Cash NotApplicable
6,45,26.403
64,52,64,03
-0
l03,gl,l5,430ffi
w.{925
HDFC Credila Financial Senices Priv.te Limired[t dlf k dn 6 crulib Fnunciat tunires priyote r.ini1el)
Financial statementstogether with theIndependent Auditors' Reportfor the year ended 31 March 2018
HDFC Credila Financial Services private LimitedItrutL krcnr LLleJttr Fntan.nt e?^@\ pnldk turL )tFinrtrcial naiements togeth.r $irh the tndependent Auditors. Relorttlt th? ) lrt PddL-J I t ]\torch 2at 5
IndependenrAudiro Repon
sraremenr of pmti an d tos
Nores ro rhe fir. ncia I narmenh
BSR&Co. LLP
Irdepetrdent Auditors, Report
To tle Members ofHDfC Credila Financial Services private Lrmited
R.Doron theluditof rherurn.irr n,hh.ns
frli:;.T*i#fl ii##iu,i,**#.:**:,i+-,ll,isi:$Mrn,semorr Bpon.rbt[ty ror .h
ffiffiffiffi-*li:*.+j:*1l*.{*.#ir.*'ri::}r*.r,,..-*,;.,::m-
['""fl:td:;;;;ii:i.;fHr*ih,H.*;]"Hfl:? i:
35ir6@rLd!'6.h;"
:.T:1h1"#.f :l1:,,",1,1",1-"ll.tt !il.ffi ;; "{il'[:ll,:i[f ,t.pd,om,he rdtr . b"," *",.".bi;;;;; .ititi
Independ€nt Audilo6' Rep orr Gontihued)
HDFC Credila Financia! Se.vices private Limited(lo/kerl! knoth a' Crcdilo Fihmcht S.:jiks pn\nt. L ited)
Audiior\ Esp.Ds,btuty ac,d,!sd)An aMir inrclv.s pafomins pm.edlB b obrain audi *idscc ahd'.. o-v'6 m b. fne.j'.sBdmr €d depmo o he ,Ldiro, ..uogr..
dre b roud o' "m. i m,{'g ro*.' \ d{{m-L. tr-,uo,b, orde^ m,enit rrdcrtview in odcr ro dsign audn pmcd@s rhsl .a oppopn e in rhe circumn;G. An iudn abo:nJudes evd luatr ng r- dppirnidene .o. r.e o. nApotic.B..cd.nd,terao {btme_ orrhe do hrr.nr. 1D,ftroa.4 qel,.e\,trtr.grh.om]tPeonhiion o I di e financiat nlrhmb.We are lho EpoNiblc ro conctude on rh. ,,ppopnah.s ot man.gemsfs ule ot rhe Boiigotreh b6is or aootr i.s and. be.d otr &. $dn euderc. obhio.d, lhdhei a oliqniDncdanty sis6 rclar.d b eva6 d conddors rhd msy cas significd doubr on dr. compey\abiliry b conrinr r. a soins con.ft. tt we onctude fiar , n&nd uncdbrnry snE, ;.;eEquiEd ro draw anaion in d. audnots repon .o rhe retared dn.losurE ii rh. fiDancialr emrl o'.ir.rhd,lcto .'e.dhroeqj,e.rcmod.f) d.op.n.oi Or.on s.on.drb!!edo. rht 4d e\ d€re obB neJ up b b. o4€ oI u e 3udro,., cpon ok\ej, nrr e\. L o,.ond
'ons may cauk e Comp6ny ro .e& ro conrinoe as . soins coi.m.
webcliove th theludn*idsewehaveobrlrncdi!suficidraidapplod.bprovideab6isfor ou sudn opiDion on rhc tinanciat shhenb.
Inou_op:nionond oficb. rorou.nrortro,, J!.jmrc,ofiee\pd1,,o,6 gr.en,ou\ dsafo'6did lnr.iJ .brmfrL g\efte,nbmr on tq,ift oird 8rvc . 'r. md-f q
- r onron jN w dr rhe a .6u Lns oriroo l so.E. y dr'fd.d ,nrd'a.or'\.rB.cofr,I'iaoi.n.comp.lv6-' 1t vdreo20t3rdi\ptufi..nd'[email protected];ns..
A(m o) : dhv I'o bc,e' tr, oc fi L,e ". r ved sd{ l. vd^. .2
. anore s.diro, v -o Ro(..{ dn rfl-od ri.d op n o orhoY tiocnrnakmbK d,d i a6 )nDR!po( oi Orh!. t4!l rDd Rcgut.iry nequtrem{t:A: e{urcd rhe, onpmG'An,.\R.pon,o,d..tuto,.u.cidr.,, j.$edol.hcc-,,t{ ormmen' of Indh I hm or.jF-e.ro1,t , of anon lal o. de a.,. "r F,e , oc
Ar Eqnircd by Seion 143 (l) oi$e Ad. *e repM rha.
r d ob ii,.d d,ti. dom. on "
d c1p, s on, \.... ro,t ( bd or oubenrq\rnssrD tor Jre r@osofou!udtr
Indepe[dent Auditorh Repon (Conthued)
HDFC Credila Financial Services Private Limited(lomol] kiaen ot Credila Fimrcirl s?nie4 Pnwte Linited)
bry R.quftnmt l.,dt!"/)(b) id our opinion, pmper hooks of a@Dnl N rcq uird by law h.!e bea kepr hy dre Compmy
so fr m ir .pp€,E nlm ou sminarion of Uiose book.l
(c) n\e 6alan.e shct rhc dahenr olpaft a.d 10$ od fie csh fiow seh6r d6h wirh bydt R.pon arc in asEmar wiln &. b6ks ofreouli
(d) h our opiriotr, de iloBaid fimnci,l ! m66 6nply wilh rhe A@unlins sbndlrdssp@ificd undd Sdio. 113 ol rhe Ad:
(e) o, the b*is of d. wirm rcF.201 3 raka on rc@rd by $e B6d of Dnecrore, ioie of dr. DiccbB arc disqualii.d son r r M.nr, 2013 ref biing rypoin.ed as a Di@ror in renns or sedon 16.1 (2) o. dr
(f) Pi$ Bper b me sdeqmcy of rh. iihal fmocial on1rc1s ovs fnmci,l rcp.nin3 ordre Compuy and dr operarins efiecrivene$ oi such onhh, rcfd ro our leai.G Repdn
(g) *!h cpe o UE orher na(es ro b€ included itr rhe Audiror's R.pon in acodlne wirhRure 11 ord,e comeania (A$ir bd
^udibE) Rur6,r0rl,in Moeinionmd b ln. b.$
of ou infoEdion sd a@oding ro the dplmdio.s givm io us:
i. rhc C.mpmy ha disclos.d die lmpad of pcndins lirisnrions on ns fmrci,lpNnion in i6 finmcial sehe6 - Reler Nor. 32 ro dre finanoill sEremen6i
ii. the Compoy did nor havc any lon8rem .onrads including duivarirc @nrra6lor whi.h therc vft any ftdTial foHeable loss R.ld Nor. 27 s ro rh.
i.h aft r.quind ro br Eanslered ro rhe In!6rorEducdion md Prorcrion rund by rh. CmpoI aid
iv. fte disdosE in rhe financi:i sh(m s rgarding holdings 6 *cn s d.llirgsin spccifi.d hmk nor6 duntrg $c p6iod frm 3 NoEmbe 20r 6 b 30 Dcmber2016 h!v. ,or b.a m:d. since rhey do nor p@in ro rhc fiiancial yar md.d 3 I
M.rh 2018. Howver amouns as appsring in rhe audired fi.lncial shlemos lorrhe psiod ended 3 r Mdch 201 7 have bd disctosd
HDFC Credila Financial Ser,ices LimitedA hnerly lnotr as ckdita Firdneat !rn,i.!. p, . le Li r A)
Anne\ure 4 ro the lndepend.,r {udnor\ Report - 3l March 2018(Refered to in our rcporr ofevcn dare)
3 ft. cmony ha md sned o,oper,@,!Js sho,,n31D odntru6 n!.-dn3qu!ntrhtr!e d(@il..rd sitod'on oI fi red,(ds
b. fte' orpdyhd s \" tJ Drc&dhme orp\\crtrr
( onodlt ed f.Itu'c of...3\ cr\. \o n d enatdj.crp:nc.$ wm rctr*d on3u(tr teh[\atron
.. Ac.o'd ng '1.
tr rorur on rnd e\rt!, ,o, s1. ro L. dlo on dr. osJ or ox
ia' o\obte pnp.ny d.n1g rhe. e . r .. jd.nst.. p"mgai. i n.r o t e o,aer,:
lheformn F d Non.Brhn l-rd , e ( or pe) oBt c, ses-o 1r\ebln..\ofkndns {rodmgDbc ftffL norrprrsbk
'o de co,ir nj.
3x lo*. . .rcd o mreu o , .p" ".. ra' .,. "d
L a6itq p"tu."i,p. "o'hn pdie !s*d ir h.'.gr..1 m .hu ed uld.q ssron t3q o. d- A!r. Ac.od : g ).pdmgmp5r. )orI eorder..ior rop j. Bb.h $eCorp&].
r'v) A.ro'o'trs'o'h..nfom d'o) lnd *p r3i.on. &\en,o ., bc.odyhsns.nader\ehe".o.prcvided gr&hr6"ndft sdrio-."(;d 36of rie ada.comngr), p:mgrrph r(j\),/
'heodniq nor rDD na6hl!) A.ordiis,o hcmromd on rnderptlnrion,!\enb r,
,n) deposts tiom Li. elbtn ro qhjch Ll,e Lro.n6 Br.dand U'e provisioN ofSsion 73 ro senjon 76 oruv od,and rhe rulB framed rh6e und6 appty.
.rjj 'Ine cmhtr o.mncnr ta ro. pc"ro@ fte m.nhane or or lMd uodd _bf. 0n l' d "etun .43
of d e a.r ro, r ) of de rfl it6,.ndftd ov $e.omprnrAeodnsr) prmsnph nvi) orAeode ! ro, apptsbtc
-smmdb d ne Fmd orr e (o. pd_y. 3n ouL ded(Ed .-.tu.d.n,he mok! or!
^ d jc. n.t,d.ng pto!,ofl hnd. _Dto)ft..{, e
-htuo) dls hN! Een.aD. be.. ^,Ldrv doo.ired u)
". c",p.^ "+ "ispDtumde,uhon 6 A sDl ned,o u. .,. ^ ,npsn\ J.d, o, r,rr ) j,6o"
"...,,,o na b\ d') ott6bfr. !. uc, L jo b\ r,dour or c^cj <.
.:':ill! : lil"19-r''r -" 1'd''' o eoreL''o,mMUdu*n.ps,b.eu rp. o pn\ dar [nd..mptovea. ,uk ,.a,u*. " o.. *. .(,,.. L,l eood.
nne dje oryorq,rpaFb..b) A.odins b 6. inromr,ion md erdan insprcvidor 6rnd, e'nptoyes skrc j,sursi.;. incjre
'hecomFq hA ior a(or.db! rhe Pa.^L Brt ort;dDElevart pro\ isioc ol rhe Acr
have nor ben dQosired wrh rherai, ces ond oder nsend $.{ory dlr , hichappDelde dhoriris m s@u, o. b:, .kp,r
HDFC Crediia Financial Ser,,ices Limited(rohe.tt tao\|n as cr,ata Fhan.iat s ryie\ pr^rte Linild)
Ann€rure A to th€ Independent Auditor,s Reporr - 31 March 2018
hL o' derirt ft n' .'.prym6r or lo4 s o mrN jlg. b rn;..,t tr.tr o., ;qcov.ho.nr or debemr h6ld4
.,ri rn o.r.ond srd,(od,s,o,h.,nf ,m-rion ro qp., janont s,.eh,o r . d ! mo, -_
p.tr. ro u 5..h. ver an.d. T1r, rpr. h! , o. h..ed;) mo,.. h. ,:) o ,r.i!.p
'bl'. ole o' funh6 puo.. onei .m.
"d, g d.b, i".,.*" r ,d;noL$;;,.
(x) During rne cou6e of ou .xa'nindion oi lne b.oks and reords ofth. Compmyj cmiedoxr in aeddma wil].l fie !enem11y r.4pred audjrins pBclias in Indb, and s;;ijins ro.he elp dr on md inlor $ or g,en
'o u.. no nr(n,. ftLd Dv.he coi p!n) -drom-'-tr i* d on'l..orpr\ r .b it!.- or.rp.oq! h. hen ro. .i o, repo. ed
^ir aco!ngro der'ond onlnderp. 3,o.. ^\e ror
n ieo'dur' *,r 'h(
c,l j ir|pra,!t. muor.ed b! u - Nq\ons;rr. .o- to- eld
h ou. ootr.on rd 3qo'o.ng 'o
dre.nrorndbn ondetp d i.01\e..n.!. . he( ojnpr).. io' 3' dt.o1,pu ) A(wd,-s \ pqj'sr€p 1,ii,d beomei . r..pi.rc
"(xiii) Aeordins b dc iilomarion s exptindions eiven ro us and on de basis or our
compl rlesh G. or I rnr t33 oj't. A rf q. appt,c,bterd bedd., .^e Frdi.rced n,re fi14n tlrm-. .",. utr.rbv.\clpp.,cJoted-outr, g.ruod&.
(xiv) According ro rhe mfonnorioD and *pla.dtons svenrous ndbscdon our.xsninlrionolde IMds ol$e compmn &e comprny ha nor made any pEtecmiatdohen( o,pnvde p](snfir dt sh .s or tu y or panly convdibte d€i;turcs dunng de year.A.cordlnsly, paragBph l(xiv) ofrhe ordd s ior app1iq6l.
(r.) A.ojdi.! ro \e., oaal-n.n" e.pr.rd.o'.. dr\fl ro,.. d N..d "n
olj ek- rs on
tr,,.ruon "'hd,qb.dtrso, .o-crit ^,r -. A\.od.ndt) oesriptii,\.\lof dre Ord{ is ior rpplic.ble
. tqu.'d 'o b€ Fs!.e unde s or altA o. Jr p. .1. Bant o_
Ind;A.. ioj4lnd h-ob3i1ed.cn,tc,eor?c,,a..ooda,.dqvdr/o -
Finn,Peg\ d on No. r0 r4rtr N-t000:2
HDFC Credila Financial Services LimitedItqwt t@r a 6 crcttitl rharnrt s.tr a P.ltt t.h)r,a)
Annexure B to the Indeperd.nt Audinrr's Rcport(Rereftd to ii our rpon or even daE)
R.pon on th. I ntrnrl Finmci,l Contor u nder Clru$ {i) of Sub{ection 3 or Smdonlal or me compsniE A.r, 20lr Co'e ad')
rhe inEm, 6na"ra1 o' trols :vq finarcial Epditrg or HDFC cEdilaFinan.i.l Sdies hivaE Limn.d (fo o:?n, i.,ow ns crelilo Finarckl Snied Pdak Lhrldt)('the compmy) s or 3l Md.h 2013 in .onjunclon vilh N audn ot rh. lin6.iaL
Mrnrg.m. \ isponsibi[q ror intmil fin.n.irl .onkolt
lhc Compmyt meagdeor is tulinsible for Bebi$hing a.d uinraining intm.l fdmcial
comiderins rhe Ernlbl conp.nem ol irm.l ornk na.d ii r]1. cuidse NoE on Audir ofIricmal flnoncial Codmls over Financial Raonins issu.d by rhe lisNtc of chaner.dAccounranb ol India ( lcAI'). ]l)ee espoislbdnis i.dude the desiln, inplmcillrion mdn.ineian.e of !d.!ue irkmal Iinsncial conhols tha( {* oprating .ileNlly for ensuringrhe ord.ly md .6icH( co.dud of it businss, including adhdencc ro comp..y: policics, desafeglad,ng of is 6seb. rhe pEvmri 'tr d I lledion ol fFud. and crcm. rhe accuncy ad
infomdion,sEqunedunddln.Con .ui6A r,2013.
Our respmsibilily is ro .rp6s an oDinion .i .h. Con+myt idemal fmzrcial coDhk oqfin.nciil reponing ba€d on our oudir we cord!@d ou audir in afunlmcc wirh rhe OuidoccNore on Audft of In @mal Finmcial Co"tol: e q Fiimcbl R.ponins (dE 'cuidatre Nore ) udfie shnduns otr Atrdiritrg, issued by ICA I and dem.d ro be p6.nbed undd ssrion I a3( l0)
.xreni apdiqble roconhk, bod .pplieble ro an audn of Inremll FirolcDl Contuls a4 bod nsu.d by rhclnniNG ol chaneEd Acounrft rl India. Those sbrdards dd rhc ctrwe omply wi6 .1hi6l r.quilmals dd phn and p.rfom lhc ludir ro obbin rcaonabl.ssuEnce about whdhE rdequde rremal fin?rcial /dnbols dver linocial ripor.ii3 vassbblished .nd r.inbinod and if su.h @ijols opc:red rfred,vely in ,u md.rial 6psbou audn involvd p.rfomins pftedures ro ohain rudit *idme abour 0re adeilu!.y or rh.intmal fuacDl co.hh sysrem ov* finan&l qoning and $en op€rating clr.divh6s. Our,udn of ii.m al inancial conrtuls or ns 3i uidenlmdins olin(mal fmucial connols over iinancial reponins, As65ing rhs risk rh i ndqialwok 6s.xists, 3id le$ins od.vdD{iig rh. d.,igi anri .r|.ni:ng .fte.v.nds ol inleml .onhl bmedon lne asesed nsk. Ite pmedurcs ,elEred d.pad on fie auditors jdsnen( includi.g thessdsnetrl 0f rlr sks of mrsiel n,iss6(nor of hc finanoi,l sbhenb. whdher du.10
bGis for our audir opiniotr onwe dave.:rlain€d is sufiicienr rnd uppmpri e to pmvide lth: coirrnrr lnr:mal finocial co.mls sysm o!*
r
HDFC Credila Financial Sewices Limited
Anrexur€ - B to thc Independeni Auditorrs Report (Crnritrred.)
Mc,ning ol in..mrl limrcid onnols or.r finln.iil Eponirg
A omp ys inrmal finan lal conhl ovs finlncial Eponitrs n a pocs d6igned ro povid.Easonrble a$unle rcganins 6e dilbiliry ol findcial reponhs and rh. prQ@rion dffinin.ial suamoE lor .xlnol PuQoses in accorn n.e wirh senmllv @eled acounlingprincipl6 A conprnys inlmal fnancial.onro! ovd fu6.i!l rcponing includ6 dos.policiesand prc*du.s dd ( 1) pdiin b rhc Dainrcmne of Eolns 6d, ii r.AonabL de6il, ,..msr.lvand ianly rcilecr d. his ions and dhposnions ol rhe rsds df de omp3nvi (2) ptovldc
s aE Konred as nd.sry ro pemir P(P'frioi of finai.ial(demoE in scor&nce wid gcneBlly acceltd &.@nring pnnciplE, and thd rceips and
expddirures ot 6e compdy arc beng nrde mly in !@danc. *irh aurhodsations ofnoasmenl and dneb6 of lne compaiyi and (l) pmvide Msonable asume rcg$dingpr.vdrion or rimely d.ledion of umuddsd &quisiriotr, Ee, or dispNition ofde ompov'sasebrh ould haveamtsi.l efi..!on,he fi nsncial n mms
Beca6cor$. mhemr limiurlons orrteml financhl coihls ovtr fn.nchl rcpon s. includin!
'he po^'b'|,I o co'l..ion o.
' 1pr0p
d.r ro cm' or nsud n a o@' mo d be ddd€. A.'0. PT Etrons r, v N3 ud'on oi ficmemal fmancial conhh ovtr anmcia| rcponing b tuhE pqiods 3r subj.ct to rhe nsk fi $einrenal finalcial co.tol dver fmatcial rcponins ma) b.com. imdeiu.@ b&aNe of ch.iges i!condi.ions, or 6 rhed.sreeolcomPlirn.ewnh&ep.lici6o!Po..durcsmavddmorare.
In our opinion. $. Conpany hd, in all m.tmal rcspsrq an adequaic iiremal fiDdci.l,inancial eponiis and such inrcfr,l r,io,ci.l onmk or{ fiimcial
r.pding were opmrins ef.crivcly a\ !r I I March 2013, ba*d on d. inhal 6nbl osfinai.ial eponing cntni .sablished by de cmpany onsideri.g $e *mrial @mPonab
of irbmal conhl sutd itr rhe GuidaDca N t. nsu.d by the ICAI.
Finns RegisrdrionNo, 101243w^rr00022
HDFC Credila Financiat Services private Limned&fuzlr|[email protected]@qdnryIfueL6d)
r!r,Ilr1 ]!1-!eq
!,!]M1_ - lrulrq
fu$ll9");Jrt,lr;.'
HDFC Credila FiDocial SeFices Privale Limired(q.fi h@r d.Eab nMtd *^4! tuwe Lhna)
\/.4,,L q'i::t:
ffi#"
i)LE b
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