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thinking unhappy thoughts and having the wrong attitudes towards life. Resentment, ill-will, hate, fear and worry are identifi ed as some of the ingredients of the unhappiness-producing process.

How to be happy – wealth and success won’t do it

No amount of material wealth and success can help an individual that has unhappiness-producing habits to be happy. The result is always frustration and disappointment as the realization sinks into such an individual, after years of seeking happiness through material gain, that it cannot be achieved that way. Some have paid a heavy price in broken family relationships whilst pursuing this mirage. They have had the ability to be happy all along. They just didn’t know it.

It is important to have a dream and to pursue it with everything you have, but you need to know why you are pursuing it. Being happy should not feature as a reason for pursuing that dream. It is not the answer to your happiness: you are.

How to be happy – develop a happiness habit

The process of being happy is simply to replace the unhappiness-producing habits with happiness-producing habits. Changing your thinking and attitude is always the fi rst step. You must drive off the thoughts that lead to discouragement, fear, depression, worry and hate and replace with positive thoughts. For instance, instead of dreading going to work everyday decide that you will enjoy your work today and imagine yourself actually doing so when you start the day. If you expect the best you often get the best.

You should learn to appreciate what you have and where you are at every stage of the journey to achieving your dreams. Remember that your life will not start when you achieve what you want to achieve, your life is right here and now. The present is all you have.

How to be happy – the conclusion

Frederick Keonig said: “We tend to forget that happiness doesn’t come as a result of getting something we don’t have, but rather of recognizing and appreciating what we do have.”

You are all you can be. Go on and be it.

Launching of Health Product in Karnataka

Muthoot Insurance Trivandrum Branch inauguration

Kottooli branch inauguration

Muthoot Insurance Brokers Pvt. Ltd Launched its Health Product in Karnataka. The launch was done by Mr. George M Alexander, Director, Muthoot Group in a function held at Bangalore. Mr. Nithin Jain, Chief Operating Offi cer, Religare Health Insurance , Mr. Nischal, South Head, Religare Health, Mr. Thomas P Rajan, Director, MIBPL& Regional Managers of Bangalore were present on this occasion.

Trivandrum Branch of Muthoot Insurance Brokers Pvt. Ltd, was inaugurated by Mr.George Jacob Muthoot, Joint Managing Director, The Muthoot Group; Mr.Thomas P. Rajan, Director MIBPL; Mr. Udayanandan Nair. M, R.M, Trivandrum North; Mr.Vidyanathan, R.M,Trivandrum South; Mr.Bijay Bhuvan, Chief Manager, MIBPL; Kerala Heads of the ICICI Prudential, Kotak Life, Reliance Life were present on the occasion.

Kottooli Branch under Calicut region was inaugurated by Mr. K. Sreekumar, Councilor – Kuthiravattom, Calicut Corporation along with Mr. Ravindran councilor – Kottooli, Calicut Corporation, M r . S a y i n a t h a n . K , Regional Manager, Muthoot Finance Ltd., Calicut, Fr. Paulose & other company offi cials were also present.

“Pledge a Song Telethon” As part of CSR initiative, Muthoot Broadcasting Pvt. Ltd - Chennai live organized “Pledge a Song Telethon” to raise funds for World Aids Day on 1st December 2013. The total amount collected through this initiative was Rs.6,23,549 and was donated for HIV infected patients.

Muthoot Securities cricketing team the Muthoot Daredevils emerged victorious in the recently conducted cricket tournament organised by the National Stock Exchange of India Ltd. – NSEIL Champions League T10 Cricket Tournament. The

Muthoot Securities team – Muthoot Daredevils were crowned as the “WINNER-NCL Kerala - 2013”and through this win will qualify for the South Zone tournament. The cricket tournament was held for the trading members of Kerala where all 14 broking companies participated in the tournament, which was held at Sacred Heart College Ground, Thevara.

Muthoot Daredevils crowned winners of NSEIL Champions League T10 Cricket

06Call free from BSNL Landline: 1800 425 1887. Customer Care Cell: 98470 91119. Tel: 0484 2396478, 2394712. Fax: 0484 2396506. e-mail: mails@muthootgroup.com www.muthootgroup.com

Compiled & Published by Muthoot Group (A Muthoot M George Enterprise), for private circulation. Corporate Offi ce: Muthoot Chambers, Opp. Saritha Theatre Complex, Banerji Road, Kochi - 682 018, Kerala, India.

English

Rate of interest for the forthcoming NCD VIIth Public Issue FOR RETAIL INDIVIDUAL INVESTORS (CATEGORY 3) AND CORPORATES(CATEGORY 2)

(Category 2 and 3)

Tenor Interest Rate

Interest payment Option

Mode of holding

Type of instrument

Effective Yield per annum

24 months 11.50% Monthly Demat/Physical Secured 11.50%36 months 12.00% Monthly -do- -do- 12.00%60 months 11.50% Monthly -do- -do- 11.50%24 months 12.00% Annual -do- -do- 12.00%36 months 12.25% Annual -do- -do- 12.25%60 months 12.00% Annual -do- -do- 12.00%

Payment on Maturity-Maturity value for Rs 1000 invested

400 Days 1121.71 Demat only Secured 11.00%24 months 1254.40 -do- -do- 12.00%36 months 1414.36 -do- -do- 12.25%60 months 1762.34 -do- -do- 12.00%72 months 2000.00 -do- Unsecured 12.25%

FOR INSTITUTIONAL INVESTORS: Category I

Tenor Interest Rate

Interest payment Option

Mode of holding

Type of instrument

Effective Yield per annum

24 months 10.75% Monthly Demat/Physical Secured 10.75%36 months 11.25% Monthly -do- -do- 11.25%60 months 10.75% Monthly -do- -do- 10.75%24 months 11.25% Annual -do- -do- 11.25%36 months 11.50% Annual -do- -do- 11.50%60 months 11.25% Annual -do- -do- 11.25%

Payment on Maturity-Maturity value for Rs 1000 invested

400 Days 1118.92 Demat only Secured 10.75%24 months 1237.66 -do- -do- 11.25%36 months 1386.20 -do- -do- 11.50%60 months 1704.12 -do- -do- 11.25%72 months 1921.54 -do- Unsecured 11.50%

Financial Services Hospitality Real Estate Education Healthcare IT Media Forex Money Transfer Wealth Management Precious Metals Power Generation Travel Services Securities Trading Commodities & Currency Trading Plantations Vehicle & Assets Finance Ltd.

Launching of Muthoot M George Excellence Award in Andhra Pradesh

Muthoot M George Excellence Award in Andhra Pradesh was launched by Mr. Mukesh Kumar Meena I.A.S., Collector & District Magistrate of Hyderabad along with Mr. George M Alexander, Director,

Muthoot Group. Mr. R. Venkateswaran, Zonal Manager, Andhra Pradesh, Mr. Babu John Malayil, AGM Corporate Communications, Muthoot Finance Ltd. were also present on this occasion.

IT innovation award from The Express Group

Golden Peacock Award for‘HR Excellence’

Mr. Cherian Peter amongst top 50 most talented CMOs

Muthoot Finance Ltd. Chief Marketing Offi cer Mr. Cherian Peter received the 50 most talented CMO’s of India citation from the Chief Marketing Council. The citation was presented by Dr. Saugata Mitra, Chief HR offi cer, Mother

Muthoot Finance Ltd. received The Express Intelligent Enterprise award for IT innovation under the Banking & Financial services & Insurance category for the year 2013, for an in house

developed IT software “Core Banking Solution” introduced across its 4000 plus branches under one single platform. The award was received by Mr.K.N.C. Nair, Senior General Manager, IT, Muthoot Finance Ltd, from Mr.K Bhaskar, Director, Cannon Inc, during the 11th edition of Express Technology Senate, held at Abu Dhabi.

M u t h o o t Finance Ltd was honored with Golden Peacock Award for ‘HR Excellence for the year 2013’ at a glittering function which was held in London, United

Kingdom. The Rt. Hon. Baroness Verma, Parliamentary under Secretary of State for Energy & Climate, Govt. of United Kingdom presented the award to Mr. George Muthoot Jacob, Director, Muthoot Group. Mr. Milind Kangle, Group CEO, Lycamobile, United Kingdom, and Lt. Gen J S Ahluwalia, PVSM (Retd), President, Institute of Directors, India were also present on this occasion.

Dairy Fruit & Vegetable Ltd and Mr. Donovan Neale - May, Executive Director, CMO council to Mr. Cherian Peter at the 22nd edition of World Brand Congress under the theme of “Sustainable Brands” held in Mumbai.

M r . G e o r g e Alexander Muthoot, Managing Director, Muthoot Finance Ltd. participated as a panel member in the the launch of Hurun Report, 2013 in Mumbai. (L-R) Mr. Anas Rahman Junaid, India Head

Hurun Report, Mr. George Alexander Muthoot, Managing Director, Muthoot Finance Ltd: Dr. Huzaifa Khorakiwala, Executive Director, Wockhardt Ltd: Dr. Cyrus S Poonawalla, Chairman Poonawalla group and Mr. RupertHoogewerf, Chairman Hurun Report.

Hurun Report, 2013 - Panel Discussion

VOL XVII / ISSUE #4/DEC 13

A QUARTERLY UPDATE ON THE LATEST HAPPENINGS AT MUTHOOT GROUP

01

16th Annual General Meeting16th Annual General Meeting of Muthoot Finance was conducted at Fine Arts Hall, Ernakulam. Sitting (L-R) Mr. Kariath George John (Independent Director), Mr.George Jacob Muthoot (Joint Managing Director), Mr. K.P. Padmakumar (Executive Director), Mr. M.G. George Muthoot (Chairman), Mr. George Alexander Muthoot (Managing Director), Mr. George Joseph (Independent Director), Justice K John Mathew (Independent Director), Mr. John K Paul, (Independent Director).

It is not uncommon to fi nish a year on a high note at Muthoot Finance. In the same vein, we have defi nitely upped the bar a few scales towards the end of 2013 too in what has been a very interesting year. Muthoot Finance registered a Q-o-Q growth of 9% in its net profi t, from ` 194 crores last quarter to ` 211 crores this quarter ended September 30, 2013. This was done through a variety of ways. We achieved this by touching the lives of more than 60 lakh borrowers and disbursing more than ` 25000 crores. And it didn’t stop there.

We also, in the last quarter, disbursed 11 lakh foreign inward remittances for personal purposes amounting to `2500 crores. We purchased foreign currencies worth ̀ 136 crores. We brought more than 3 lakh lives under an insurance cover in just 90 days. We have in short, nurtured more Indian dreams than ever before.

We are also proud to announce that Muthoot Global Money Transfer Ltd entered into a Rupee Drawing Arrangement with Kerala-based Federal Bank Ltd. This allows for speedier money transfers between UK expatriates and their families in India. This will enable fl ash remittance to over 1 lakh bank branches in India, not to mention much needed foreign currency infl ow too. It wasn’t just our consumers who celebrated our success. With the introduction of Employee Stock Options (ESOP), we have enriched the lives of over 24, 000 of our employees also. The scheme was introduced not only to reward long standing employees but also to motivate new talent to join our cause and drive the next level of growth.

This overall positive spark towards the end of a tumultuous year has even worked its magic on our public issue of Non-convertible Debentures. It exceeded all expectations where not only did we get subscriptions of nearly ̀ 325 crores, we were over-subscribed by two times over in a matter of weeks. This is a refl ection of the immense faith and trust our consumers have in us. With regard to giving back to society, I am also delighted to announce that the Muthoot M George Foundation launched its Excellence scholarships to the toppers of 10th Standard in Government Schools coming under the Educational Districts of Hyderabad and Secunderabad. This scholarship will benefi t students of 178 Government schools and consists of a certifi cate and cash prize of ` 2500 each.

While these incredible achievements are reason enough to end the year with a bang, we went one step further by being the principal sponsor for the fi rst ever Cochin International Half Marathon which is scheduled for December 29, 2013. This marathon promises to be a historical run. It will cover a distance of 21 kms and will be attended by sporting legends like Milkha Singh and PT Usha. As we bid adieu to a year of challenges and even greater successes, we would like to thank all our investors, customers, associates, employees and well-wishers for steadfastly believing in us and our dream. We shall as always, strive to make you even more proud in our every endeavour, as we have been in fulfi lling yours.

Chairman M.G. George Muthoot

CHAIRMAN’S MESSAGE

A ROUSING CRESCENDO

02

Torch Lighting Ceremony

Muthoot Finance Ltd. organized a ceremony for receiving the Kochi International half Marathon Torch at their head offi ce premises. The marathon torch was handed over by Shri. Tony Chammany Mayor, of Cochin Corporation, along with Mr. Leno Jacob, Councilor, Cochin Corporation to Mr. George Alexander Muthoot, Managing Director, Muthoot Finance Ltd. The occasion was graced with the presence of Mr. Rajiv Pillai, Film actor. Other company offi cials present during the event included Mr. George M George, Executive Director, MLHS, Mr. George M Jacob, Director, Muthoot Group. It also included all Muthoot Finance head offi ce staff undertaking a pledge and lighting candles for making Kerala

a better place and strive to do everything possible to transform the state and make it greener, eco friendly, pollution free for the citizens to lead a happy, h e a l t h y a n d prosperous lives.

One Million Resolutions for a Better Kerala

Mr. George Jacob Muthoot (Joint Managing Director, Muthoot Group) fl agged off the Trivandrum road show of “One Million Resolutions for a Better Kerala” in line with the upcoming Cochin International Half Marathon. Smt. Padmini Thomas ( Arjuna Awardee & President of Kerala Sports Council), Mr. George Muthoot Jacob (Director, Muthoot group), Mr. John Samuel (Media Advisor National Games), Mr. Javed (Chief Reporter Malayalam Manorama) , Mr. Sony Cheruvathur (Former Kerala Cricket Team captain) were present on this occasion.

The offi cial Music Promo of Muthoot Finance Cochin International Half Marathon 2013 was launched by Mr. Nagarjuna, South Indian fi lm star in presence of various eminent

personalities which included Shri.Tony Chammany, Mayor, Cochin Corporation, Shri Hibi Eden, MLA, Ernakulum, Mrs. Bhadra B, Deputy Mayor. Cochin Corporation, Mr. K Padmakumar IPS, Inspector General of Police, Kerala, Mr. George Alexander Muthoot, Managing Director, Muthoot Finance Ltd, Mr. V.A. Shrikumar, Managing Director, Push Communications Ltd., Capt. C. Suresh, Indian Navy, Shri. Dominic Presentation, MLA, Kochi, Mr. K.J. Jacob, opposition leader, Cochin Corporation and Mr. P. Anthony, Managing Director, Medical Trust Hospital.

Music Promo Launch

Promotional Run for Muthoot Finance Cochin International Half Marathon

Mr. George Alexander Muthoot, MD, Muthoot Group with Yacht club members.

Muthoot Group employees

03

Glimpse of Muthoot Finance Cochin International Half Marathon

Celebrity 2 km run

Muthoot Finance Cochin International Half Marathon was held on 29th December, 2013 at Maharajas College Ground, Cochin. The winner of International Elite Mens’ 21 km event was Mr. Bernard Kipyego from Kenya who won the gold Medal, compatriots Mr. Emmanuel Mutai & Mr Liud Tarus from Kenya won the silver & bronze medals.

Mr. George Alexander Muthoot, Managing Director, Muthoot Group along with the winners of Muthoot Finance Cochin International Half Marathon. Mr. Tony Chammany, Hon’ble Mayor, Corporation of Cochin & Ms. Bhadra, Deputy Mayor, Corporation of Cochin are also seen in the photo.

Race Flag off

Mr. George M Jacob, Director, Muthoot Group

Mr. George M George, Executive Director – MLHS

Mr. George Thomas Muthoot, Jt. Managing Director, Muthoot Group.

Mr. George Alexander Muthoot, Managing Director, Muthoot Group along with Mr. K Padmakumar IPS, IG of police, Kerala, Prof. K V Thomas, Hon’ble Union Minister for Consumer Affairs, Food & Public Distribution, handing over the cash prize to the winners of International Elite Men’s 21 km run.

Teacher’s Day Celebration

Teacher’s Day celebration at MITS. Mr. George Varghese, Executive Director and Dr. S Pushpakumar, Principal, MITS inaugurated the function.

Muthoot Global Money transfer U.K signs RDA with Federal Bank

The Muthoot Group’s Money Transfer division in UK ”Muthoot Global Money Transfer Ltd” entered into a Rupee Drawing Arrangement to extend instant money transfer service

to serve Indian expatriates working in the UK, with Kerala based Federal Bank Ltd. The agreement was exchanged between Mr. George Muthoot Jacob, Director – Muthoot Group and Mr. A Surendran, General Manager – International Business, Federal Bank. Other company offi cials present during the occasion include Mr. K.R. Bijimon, Chief Operating Offi cer – Global Operations, Muthoot Group; Mr. Kutty Krishnan, Chief Manager – Global Operations, Muthoot Group.

Mr. George M George, Excutive Director – MLHS addressing the students of Rajagiri Management Institute, Cochin.

Mr. George Alexander Muthoot, Managing Director, Muthoot Group addressing the students of Indian Institute of Management, Kozhikode.

Corporate Talks

04

Muthoot Gold Life – Muthoot Gold Cup Contest

Muthoot Gold Cup trophy edition - I being presented to Mr. Muthu Kumar Senior Regional Manager Kanyakumari Region.

Muthoot Gold Cup trophy edition – II being presented to Mr. C. Kothandaraman Regional Manager, Sivagangai Region.

Muthoot Gold Cup trophy edition – I for North being presented to Cdr. S.K. Yadav Regional Manager Surat

Muthoot Universal Gold Cup trophy being presented to Mr. Puliyandi Regional Manager Theni Region.

Muthoot Insurance Brokers Pvt. Ltd conducted Muthoot Gold Life contest for Muthoot Finance Regions. Mr. Thomas P Rajan, Director, MIBPL handed over the trophies to the winners.

Is your life passing you by? Are you so focused on your dreams that you are forgetting to enjoy every day to the fullest and be happy with where you are and what you have now?

If you are anything like most people that have a burning desire and vision to achieve something, you could be falling into the trap of being so focused on it that you neglect to enjoy each and every moment on your journey to attaining your goals.

I can liken it to the tourist who remarked that the country he was visiting had very nice scenery if only the mountains where not blocking the view. He did not see that the mountains were themselves part of the beautiful scenery.

How to be happy – the dilemma

So it goes that we often focus so much on our dreams and that ideal life we want to live next year or fi ve years from now that we forget about today. Today is part of the process of getting there and today should be enjoyed as much as when ‘that time’ comes. After all, the pleasure of taking a journey is not in arriving at the fi nal destination, but in enjoying everything along the way.

Have you ever had the impatient feeling that you are not getting to where you want to get quickly enough and therefore fi nd yourself not fully appreciating the here and now? It’s as though something is holding back your happiness until you get what you desire. The only problem in this scenario is that, in the mean time, you are unhappy and life is passing you by.

How to be happy – the good news and the bad news

I have good news and bad news for you. The bad news is that that huge house you desire, the car that costs as much as the house, the huge fl at screen television and all those wonderful things you are planning to get once you are successful will never make you happy.

In fact, I know quite a few rich people that are more miserable than you could imagine. They have worked hard all their lives and have every material thing they could ever want, but there is still a lack and dissatisfaction within them that echoes with emptiness.

The good news is that, as Abraham Lincoln stated, “People are just about as happy as they make up their minds to be.” You therefore have the power to decide to be happy no matter where you are in your life. Do not ever make the mistake of thinking you will be happy when you achieve this and that in the future. If you are miserable now, you will be miserable when you get there unless you change your mindset.

How to be happy – it’s all in your head

Happiness is a state of mind that has little to do with material or social success. “Anyone who desires it, who wills it, and who learns and applies the right formula may become a happy person.” That is the advice from the “father of positive thinking”, Norman Vincent Peale.

There is simplicity in such a statement that makes most people fail to appreciate its signifi cance and truth. We want some complicated formula to a lot of our problems when the answers are with us all the time. The answer to the riddle of how to be happy is simply that you make the decision to be happy. That is as plain and simple as I can make it.

Always remember that there will always be things that go wrong at times and things that upset you or try to frustrate you. But the secret is to decide that no matter what goes wrong and no matter how rough things get, you will not let it get you down. There is one thing that is always in your control. That is you. You decide how you react to any situation.

Norman Peale goes on to say that most people, as much as perhaps four out of fi ve, manufacture their own unhappiness. They do so by

Dr. Moses Simuyemba

HOW TO BE HAPPY

TDPC Conference 2013Thekkady Destination Promotion Council (TDPC) conference 2013 was held at Cardamom County. Mr. Sanjayan Kumar, Deputy Director of the Periyar Tiger Reserve was present on this occasion.

CongratulationsMr. Kariath George John joined as the Independent Director of Muthoot Finance Ltd. He is a post graduate in Mathematical statistics. He holds a rich and extensive experience in working for various advertising companies which includes Lintas, Ulka, Anthem, TBWA / Worldwide etc. His work

has been duly recognized and appreciated in the Media Communications fraternity.