Familiarization Programme for Independent Directors

During the Financial Year 2022-23, Two sessions were conducted as part of Familiarization programme for Directors on 23rd & 24th March, 2023.Topics of the sessions were “ Resolution of Conflict of Interests” and “Cyber Security awareness”.

Annual Financial Statements

1. FY 14-15

Annual Return

Form No. MGT-9-EXTRACT OF ANNUAL RETURN -As on the financial year ended on 31.03.2021

Form No. MGT-9-EXTRACT OF ANNUAL RETURN -As on the financial year ended on 31.03.2020

Form No. MGT-9: EXTRACT OF ANNUAL RETURN : As on the financial year ended on 31.03.19

Form No. MGT -7 ANNUAL RETURN - As on the financial year ended 31.03.2022

Redressal of Investor Grievances

Agreement dated August 27, 2019 between the Registrar to the Issue and our Company provides for settling of investor grievances in a timely manner and for retention of records with the Registrar to the Issue for a period of eight years.

All grievances relating to the Issue may be addressed to the Registrar to the Issue and Compliance Officer giving full details such as name, address of the Applicant, number of NCDs applied for, amount paid on Application and the details of Member of Syndicate or Trading Member of the Stock Exchange where the Application was submitted.

All grievances relating to the ASBA process may be addressed to the Registrar to the Issue with a copy to either (a) the relevant Designated Branch of the SCSB where the Application Form was submitted by the ASBA Applicant, or (b) the concerned Member of the Syndicate and the relevant Designated Branch of the SCSB in the event of an Application submitted by an ASBA Applicant at any of the Syndicate ASBA Application Locations, giving full details such as name, address of Applicant, Application Form number, option applied for, number of NCDs applied for, amount blocked on Application.

We estimate that the average time required by us or the Registrar to the Issue for the redressal of routine investor grievances will be three (3) Working Days from the date of receipt of the complaint.

In case of non-routine complaints and complaints where external agencies are involved, we will seek to redress these complaints as expeditiously as possible.

Company Secretary and Compliance Officer (Nodal Officer for IEPF)

Registrar to the Issue

Sreedivya S

Manappuram Home Finance Limited

IV/470A (Old)W/638A(New)

Manappuram House

Valapad, Thrissur

Kerala, 680567 India

Telephone: +91 487 3050435

E-mail: cs.sreedivya@manappuramhomefin.com

Link Intime India Private Limited

C-101, 1st Floor, 247 Park,

L.B.S. Marg, Vikhroli (West),

Mumbai 400 083, Maharashtra, India

Telephone: +91-22-4918 6200

Fax: +91-22-4918 6195

Email: manappuramhomefin.ncd@linkintime.co.in

Investor Grievance Id: manappuramhomefin.ncd@linkintime.co.in

Website: www.linkintime.co.in

Contact Person: Shanti Gopalkrishnan

SEBI Registration Number: INR000004058

CIN: U67190MH1999PTC118368

Investors may contact the Registrar to the Issue or the Compliance Officer in case of any pre-issue or post Issue related issues such as non-receipt of Allotment Advice, demat credit, refund orders or interest on application money.

SMART ODR Portal

SMART ODR Portal is designed to enhance investor grievance redressal by enabling investors to access Online Dispute Resolution (ODR) Institutions for the resolution of their complaints. The SMART ODR Portal has been set up by 7 Market Infrastructure Institutions (MII's) together with the participation of reputed ODR Institutions. Investors can login to the ODR Portal in https://smartodr.in/login

Debenture Trustee

CATALYST TRUSTEESHIP LIMITED (formerly GDA Trusteeship Limited)

GDA House, Plot No. 85,

Bhusari Colony (Right),

Kothrud

Pune 411038

Telephone: +91 - 22 - 4922 0543

Fax: +91 - 22 - 4922 0505

Email: complianceCTL-Mumbai@ctltrustee.com

Website: www.catalysttrustee.com

Contact Person: Umesh Salvi

SEBI Registration Number: IND000000034

CIN: U74999PN1997PLC110262

Draft Prospectus for NCD ISSUE & DISCLAIMER – IMPORTANT

NOTE: THE ELECTRONIC VERSION OF THE DRAFT PROSPECTUS YOU ARE SEEKING TO ACCESS IS BEING MADE AVAILABLE ON THIS WEBSITE BY US, MANAPPURAM HOME FINANCE LIMITED (“COMPANY”), AND FOR INFORMATION PURPOSES ONLY. THE DRAFT PROSPECTUS HAS BEEN MADE AVAILABLE ON THIS WEBSITE IN ELECTRONIC FORM SOLELY TO COMPLY WITH REGULATION 6(3) OF THE SECURITIES AND EXCHANGE BOARD OF INDIA (ISSUE AND LISTING OF DEBT SECURITIES) REGULATIONS, 2008, AS AMENDED (THE “SEBI DEBT REGULATIONS”). YOU ARE ADVISED TO READ THIS DISCLAIMER CAREFULLY BEFORE READING, ACCESSING OR MAKING ANY OTHER USE OF THE DRAFT PROSPECTUS. BY ACCESSING THE DRAFT PROSPECTUS, YOU AGREE TO FOLLOW THE FOLLOWING TERMS AND CONDITIONS, INCLUDING ANY MODIFICATIONS TO THEM FROM TIME TO TIME.

Please read this notice carefully - It applies to all persons who view this site. Please note that the disclaimer set out below may be altered or updated. You should read it in full each time you visit the site.

Neither we, nor our affiliates represent that the contents of the Draft Prospectus herein are accurate or complete. The information contained herein not been updated since its original publication date and may not reflect the latest updates.

You may not and are not authorized to (1) deliver the Draft Prospectus to any other person or (2) reproduce such Draft Prospectus in any manner whatsoever. Any distribution or reproduction of Draft Prospectus in whole or in part is unauthorized. Failure to comply with this directive may result in a violation of the SEBI Debt Regulations or other applicable laws of India and other jurisdictions.

The information in this section is directed at, and is intended for distribution to, and use by, residents of India only. Residents of countries other than India are not authorized to view or use the information in this section. Viewing this information may not be lawful in certain jurisdictions. In other jurisdictions only certain categories of person may be allowed to view this information. Any person who wishes to view this site must first satisfy themselves that they are not subject to any local requirements which prohibit or restrict them from doing so.

These materials are not directed at or accessible by following persons:

Foreign nationals;
Persons resident outside India;
Foreign Institutional Investors;
Qualified Foreign Investors;
Non Resident Indians; and
Overseas Corporate Bodies.

The NCDs have not been and will not be registered under the U.S. Securities Act of 1933, as amended (the “U.S. Securities Act”) or any state securities laws in the United States and may not be offered or sold within the United States, or to, or for the account or benefit of, U.S. Persons (as defined in Regulation S of the U.S. Securities Act), except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the U.S. Securities Act and applicable state securities laws in the United States. No offers or sales of the NCDs are being made in the United States.

If you are not permitted to view materials on this website or are in any doubt as to whether you are permitted to view these materials, please exit this webpage.

The Company has taken all necessary steps to ensure that the contents of the Draft Prospectus as appearing on this website are identical to the Draft Prospectus filed with the BSE Limited (“BSE”) and the Securities and Exchange Board of India (“SEBI”) (for record purposes) in accordance with the SEBI Debt Regulations.

You are reminded that documents transmitted in electronic form may be altered or changed during the process of transmission and consequently none of the Company or any of its or our affiliates accept any liability or responsibility whatsoever in respect of alterations or changes which have taken place during the course of transmission of electronic data. We and the Lead Manager will not be responsible for any loss or damage that could result from interception and interpretation by any third parties of any information being made available to you through this web site.

The materials placed herein are not a solicitation of any bid from you. Nothing contained herein shall constitute and/or deem to constitute an offer and/or an invitation to an offer to subscribe to the securities referred therein.

Any person seeking access to this portion of the Company’s website represents and warrants to the Company that they are doing so for information purposes only. Making press announcements and other documents available in electronic format does not constitute an offer to sell or the solicitation of an offer to buy securities in Manappuram Home Finance Limited. Further, it does not constitute a recommendation by the Company or the Lead Manager i.e. Vivro Financial Services Private Limited or any other party to sell or buy securities in Manappuram Home Finance Limited.

Confirmation of understanding and acceptance of disclaimer

I have read and understood the disclaimer set out above. I understand that it may affect my rights. I agree to be bound by its terms. I confirm that I am permitted to proceed to electronic versions of these materials. I confirm that I do not fall under any of the categories below:

Foreign nationals;
Persons resident outside India;
Foreign Institutional Investors;
Qualified Foreign Investors;
Non Resident Indians; and
Overseas Corporate Bodies.

Agree Disagree

Final Prospectus for NCD ISSUE & DISCLAIMER – IMPORTANT

NOTE: THE ELECTRONIC VERSION OF THE PROSPECTUS YOU ARE SEEKING TO ACCESS IS BEING MADE AVAILABLE ON THIS WEBSITE BY US, MANAPPURAM HOME FINANCE LIMITED (“COMPANY”), AND FOR INFORMATION PURPOSES ONLY. THE PROSPECTUS HAS BEEN MADE AVAILABLE ON THIS WEBSITE IN ELECTRONIC FORM SOLELY TO COMPLY WITH REGULATION 6(3) OF THE SECURITIES AND EXCHANGE BOARD OF INDIA (ISSUE AND LISTING OF DEBT SECURITIES) REGULATIONS, 2008, AS AMENDED (THE “SEBI DEBT REGULATIONS”). YOU ARE ADVISED TO READ THIS DISCLAIMER CAREFULLY BEFORE READING, ACCESSING OR MAKING ANY OTHER USE OF THE PROSPECTUS. BY ACCESSING THE PROSPECTUS, YOU AGREE TO FOLLOW THE FOLLOWING TERMS AND CONDITIONS, INCLUDING ANY MODIFICATIONS TO THEM FROM TIME TO TIME.

Neither we, nor our affiliates represent that the contents of the Prospectus herein are accurate or complete. The information contained herein not been updated since its original publication date and may not reflect the latest updates.

You may not and are not authorized to (1) deliver the Prospectus to any other person or (2) reproduce such Prospectus in any manner whatsoever. Any distribution or reproduction of Prospectus in whole or in part is unauthorized. Failure to comply with this directive may result in a violation of the SEBI Debt Regulations or other applicable laws of India and other jurisdictions.

These materials are not directed at or accessible by following persons:

Foreign nationals;
Persons resident outside India;
Foreign Institutional Investors;
Qualified Foreign Investors;
Non Resident Indians; and
Overseas Corporate Bodies.

If you are not permitted to view materials on this website or are in any doubt as to whether you are permitted to view these materials, please exit this webpage.

The Company has taken all necessary steps to ensure that the contents of the Prospectus as appearing on this website are identical to the Prospectus filed with the BSE Limited (“BSE”) and the Securities and Exchange Board of India (“SEBI”) (for record purposes) in accordance with the SEBI Debt Regulations.

Confirmation of understanding and acceptance of disclaimer