MANAPPURAM

FINANCE

Presented by
Indu M
Sheena Krishnan
Company Profile
 The Manappuram group of companies was
founded in 1949 by late Shri V.C.
Padmanabhan.
 The company is head-quartered at Valapad,
Thrissur district in Kerala.
 Now, the company has over 860 branches
spread across 15 states in India, with a total
business of over Rs.26 billion, a work force of
over 5000 employees and a customer base of
over 1 million
Vision
The company’s vision is to emerge
as a strong national player with a
wide branch network across the
entire country to serve its
customers as one-stop financial
super markets that makes our
customer’s life easy.
Strengths
 First NBFC from Kerala to receive a Certificate of
Registration issued by RBI mainly on the strength of
the company's ability to settle the depositors` claim
in full.
 First NBFC from Kerala to get a credit rating of
"MA+" from ICRA,
 It is the FIRST NBFC from Kerala to have received
Adequate Safety rating for its Secured Non-
convertible Redeemable Debenture issue for Rs. 50
million.
 First NBFC from Kerala to go for public issue.
 First NBFC from Kerala to issue bonus shares at
the ratio 1:1.
 First NBFC from Kerala to receive
Foreign Direct Investment (FDI).
 First NBFC from Kerala to receive AD- II
(Authorized Dealer - II) License from RBI.
 First NBFC from Kerala to obtain
Broker's License from IRDA (Insurance
Regulatory & Development Authority).
 First NBFC in the country to receive a
Short-term rating of A1+ by ICRA. This is
the Highest Short Term Rating awarded
by ICRA to any Corporate in India
Services
Gold Loan / Loan Against Gold
Money Transfer
Gold Coin
Business Loan
Swarnanidhi
Security Loan
Foreign Exchange
Insurance
Deposits
Chits
Gold Overdraft
Vehicle Loan
Gold Loan
Avail Loan up to 1 Crore.
Pledge your Gold Ornaments or
Jewellery and draw cash against it.
Depending on the net weight and
purity of the gold, cash will be
disbursed.
Schemes
Scheme X
Scheme A
Scheme B
Scheme C
Scheme X
Minimum time period is one month
Interest Rates
1 to 30 days – 24%
31 to 90 days – 27%
91 and above - 30%
For 1 gram – Rs1462 /-
8 grams- Rs 12200/-
Scheme A
3 months scheme
8 grams – Rs 11800/-
1 gram – Rs 1387/-
Interest Rates
below 3 months – 23%
above 3 months – 26%
Scheme B
6 months scheme
1 gram – Rs 1325/-
8 gram – Rs 11300/-
Interest Rates
below 6 months – 22%
above 6 months – 25%
Scheme C
1 year scheme
1 gram – Rs 1212/-
8 gram – Rs 9696/-
Interest Rates – 18%
Attractive features:
Loan availed within 5 minutes.
When disbursing Gold Loan, they only
require any ONE of our recent ID:
Voter ID, Ration Card, Driving
License, Passport or PAN Card
and no other documents are required
from you that can be time consuming.
Avail the Highest Amount of Rs.
1,638* per gram of Gold.
Diminishing interest rates starting
from 1% per month. Pay interest only
for the number of days our pledge is
maintained with them.
Various schemes for our needs and to
suit all income group.
No other hidden charges
Terms and Condition
 The loan will carry interest at the rate
specified in the demand promissory
note executed by the borrower in this
regard and appearing over leaf and
incidental charges as fixed by the
company from time to time. For this
purpose 360 days is constitute a year.
 The company has the right to retain the
security offered to this loan against
any other liability due to the company
by the borrower or guarantor whether
such liability has been demanded or
not.
 The company has the right to assign
or transfer the rights the agreement
and all other documents executed by
the borrower in favor of the company
and to obtain necessary advances from
any bank / financial institution at any
time.
 The jewellery pledged is the
absolute property of the borrower,
no other person is having any
right, interest or claim over the
same and the borrower has
absolute right to pledge them. In
the event of any defect in the title
to the jewellery, the borrower
shall indemnify the company of all
harm, cost and consequences.
 The borrower shall bear, pay and
reimburse all charges relating to
administration charges, interest
tax, service tax, duties (including
stamp duty), sales tax/VAT and
other taxes
 In the event of loss of pledged
ornaments, the liability of the company
is limited to replacing of the lost
ornaments with equal net weight
disclosed in the pawn ticket.
 The borrower can authorizes the
company to hedge the price risk by
entering into option contracts on the
underlying gold ornaments which is
offered as security for this loan and
agrees to pay the respective
proportionate premium in respect of
the option contracts.
The company fixes its interest rate based on
the cost of borrowing, transaction cost and
expected minimum return on equity as
increased by a risk premium calculated at a
rate not less than 0.33% p.a.
Present Chairman-
Mr. V. P. Nandakumar
Latest News
Avail the Highest Amount of
Rs.1,638 Per Gram in Gold Loan
(Loan against Gold)

 Company has reduced Interest

Rate for Gold Loan schemes by
nearly 4 - 6%
More than 870 Branches spread
across 15 States in India

Total Business of Manappuram

Group has crossed Rs. 2,600
Crores (26 Billion)
Thank You