PNB HOUSING FINANCE LIMITED Public Issue of Equity Shares

Issue Highlights Issue opens: Tuesday, October 25, 2016 Issue closes: Thursday, October 27, 2016

Price Band: Rs. 750 – Rs. 775

Discount Discount of Rs. 75/- to PNB HFC Employees

Bid Lot: 19 Equity Shares and in multiples thereafter Face Value: Rs.10 /- Listing: BSE & NSE

Registrar: Link Intime India Private Limited

Payment: Compulsorily ASBA Mode

Business Overview PNB Housing Finance Limited, the fifth largest HFC in India by loan portfolio as of September 30, 2015 with the second largest amount of deposits in an HFC in India as of March 31, 2015, according to the IMaCS Report. The parent and Promoter is Punjab National Bank (“PNB”), one of the largest nationalised banks in India. Over the previous five years, the Company have implemented a business process transformation and re-engineering (“BPR”) programme, which has contributed to becoming the fastest growing HFC among the leading HFCs in India as of March 31, 2015, according to the IMaCS Report. The Company offers its customers “housing loans” for the purchase, construction, extension or improvement of residential properties or for the purchase of residential plots, and “non-housing loans” in the form of loans against property (“LAP”) to property-owning customers through mortgages over their existing property and any additional security, if required; non-residential premises loans (“NRPL”) for the purchase or construction of non-residential premises; lease rental discounting (“LRD”) loans offered against rental receipts derived from lease contracts with commercial tenants; and corporate term loans (“CTL”), which are general purpose loans to developers and/or corporate for purposes of on-going projects or business needs. The Company’s target customers for housing loans are salaried

Fresh Issue: ` 3000 Crs.

Employee Reservation Portion: 250,000 Equity Shares Net Offer Break up:

Category Allocation Issue Size ( ` in Crs) at Lower Band Upper Band

QIB 50% 1490.31 1490.62 NIB 15% 447.09 447.19 Retail 35% 1043.22 1043.44 Total Net Offer 100% 2980.62 2981.25

Summary Statement of Profit and Losses, as restated (Rs. In Million)

Particulars Quarter ended Year ended June 30, 2016 31‐03‐2016

Total Income 8,634.36 26,995.43

Total Expenditure 7,160.54 21,952.63

5,042.80 Profit Before Tax 1,473.82

Profit after Tax 960.28 3,275.66 E.P.S.(Rs.) Basic & Diluted *7.57 27.58

RONW (%) *4.38 17.60 *Not Annualized

Retail Payment Chart

Compulsory ASBA mode. No Cheque will be accepted. Cut Off Price `[775] Per Share

customers, whose main source of income is salary from their employment, and self-employed customers, whose main source of income is their profession or their business. The Company also offers housing loans in the form of construction finance loans to real estate developers of residential housing. Object of the Issue The Company intends to utilize the Net Proceeds towards the following: (i) Augment its capital base to meet future capital requirements; and (ii) General corporate purpose. In addition, the Company believes that listing of its Equity Shares will

No. of Amount Shares

19 14725

38 29450

57 44175

76 58900

95 73625

114 88350

133 103075

No. of Shares Amount

152 117800 171 132525 190 147250 209 161975 228 176700 247 191425

enhance its visibility and brand name among existing and potential Disclaicustomers: .for more details please refer RHP Peer Group Company

Housing Development Finance Corporation Limited LIC Housing Finance Limited Indiabulls Housing Finance Limited Gruh Finance Limited Dewan Housing Finance Limited Repco Home Finance Limited

An indicative timetable post issues closing Finalisation of Basis of Allotment with On or about November

the Designated Stock Exchange 2, 2016 Initiation of refunds (if any, for Anchor On or about November Investors) / unblocking of funds from 3, 2016 ASBA Account

Credit of Equity Shares to demat On or about November

accounts of Allottees 4, 2016 Commencement of trading of the Equity On or about November Shares on the Stock Exchanges 7, 2016