THE KERALA STATE FINANCIAL ENTERPRISES LIMITED ... annual report 2014-15.pdf3 THE KERALA STATE...

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THE KERALA STATE FINANCIAL ENTERPRISES LIMITED(A Government of Kerala Undertaking) REGD. OFFICE: “BHADRATHA”, P.B.No. 510MUSEUM ROAD, THRISSUR – 680 020

BOARD OF DIRECTORS

Adv.Peelipose Thomas :ChairmanSri. E.Devadasan.I.A.S :DirectorSri.R.Raja Gopal :DirectorSri.S.Muraleedharan :DirectorAdv.Reji Zachariah :DirectorSri.Vijayan Cherukara :DirectorSri.R.Mohammed Sha :DirectoSri.P.K.Anandakuttan :DirectorSri.P.C.Pillai :DirectorAdv.V.K.Prasad :DirectorProf.D.Narayana :DirectorProf.K.N.Gangadharan :DirectorSri.Joshi Paul Veliyath :Managing Director

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THE KERALA STATE FINANCIAL ENTERPRISES LIMITED(A Government of Kerala Undertaking) REGD. OFFICE: “BHADRATHA”, P.B.No. 510MUSEUM ROAD, THRISSUR – 680 020EXECUTIVESGeneral Manager (Finance)Sri. Jayaprakasan K.VGeneral Manager (Business)Sri. V.P. SubramanianDeputy General Manager (P & HR)Sri. S. K. SanilDeputy General Manager (IA&V)I/CSri. Rajachandran Nair .MDeputy General Manager (B & OPS)I/CSri. Prasad S.

Asst. General Manager (Legal)Sri. Pramodan .A

Asst. General Manager (IT)Smt. Nisha .A.B

Asst. General Manager (Planning)Sri. Madhumohan .C.K (In Charge)

Asst. General Manager (Recovery)Sri. Somanathan A.N (In Charge)

Company SecretarySri. CS.Manoj Kumar .V.R

Asst. General Managers (Regions)• Sri.G.S.Manoj RegionalOffice Attingal

• Smt.Chitra Shashidharan RegionalOffice Kannur

• Smt.Sujatha M.T RegionalOffice Ernakulam

• Sri.Prasantha Kumar P.K (In- Charge) RegionalOffice Thiruvanathapuram

• Sri.Vijayan.A(In- Charge) RegionalOffice Kozhikode

• Sri.Ganesan.P (In- Charge) RegionalOffice Kottayam

• Sri.Raju.R(In- Charge) RegionalOffice Thrissur

• Smt.Saraswathy (In- Charge) RegionalOffice Alappuzha

• Sri.Vijayakumar. C (In- Charge) RegionalOffice Kollam

• Sri.Ajithkumar K.D (In- Charge) RegionalOffice Malappuram

• Sri.Elizabeth John (In- Charge) RegionalOffice Kattappana

Legal Advisers : M/s. Menon & Pai, Advocates, KochiTax Consultants : M/s. Varma & Varma , Chartered Accountants, Thrissur

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THE KERALA STATE FINANCIAL ENTERPRISES LIMITED(A Government of Kerala Undertaking) REGD. OFFICE: “BHADRATHA”, P.B.No. 510MUSEUM ROAD, THRISSUR – 680 020TEL : 0487 2332255E-mail : [email protected] OF DIRECTORS AS ON 31-03-2015Sri. P.T. Joseph : ChairmanAdv. Job Michael : Vice-ChairmanDr. A.Kowsigan IAS : DirectorSmt.S.Deepa Devi : DirectorSmt.P.A. Shyla : DirectorSri. Tomy K. Thomas : DirectorSri. M.M. Francis : DirectorSri. P.M. Shereef : DirectorSri. Pappanamcode Sreeni : DirectorSri. Thomas P. Kuruvila : DirectorSri.K. Sankaran Master : DirectorSri. Biju Mattappallil : DirectorSri. Adv. Justin John : DirectorSri.P. Rajendran : Managing Director General Manager (Finance) I/CSri. S. Hari

Company SecretarySri. CS. Manoj Kumar .V.R

AUDITORSM/s. Dhan & Co.Chartered Accountants, Thrissur

M/s. Sreedhar & Co.Chartered Accountants, Thiruvanthapuram

M/s. Dharmalingam & AssociatesChartered Accountants, Thiruvananthapuram

M/s. Sasi Vijayan & Rajan.Chartered Accountatns, Kochi

M/s. Balan & Co.Chartered Accountants, Kochi

M/s. Mohan & Mohan AssociatesChartered Accountants, Kozhikode

M/s. Issac & SureshChartered Accountants, KozhikodeLEGAL ADVISORSM/s. Menon & PaiAdvocates, Kochi

BANKERS:Bank of BarodaBank of IndiaCanara BankCatholic Syrian Bank Ltd.Central Bank of IndiaCorporation BankDena BankDhanalakshmi Bank Ltd.Federal Bank Ltd.HDFC Bank Ltd.Indian BankIndian Overseas BankPunjab National BankSouth Indian Bank Ltd.State Bank of IndiaState Bank of TravancoreSyndicate BankUnited Commercial BankUnion Bank of IndiaVijaya BankVysya Bank Ltd.The Bank of MaharashtraThe North Malabar Gramin BankThe South Malabar Gramin BankTreasury Savings BankThe Alleppey Dt. Co-op. Bank Ltd.The Idukki Dt. Co-op. Bank Ltd.The Kattappana Urban Dt. Co-op. Bank Ltd.The Kollam Dt. Co-op. Bank Ltd.The Kottayam Dt. Co-op. Bank Ltd.The Kannur Dt. Co-op. Bank Ltd.The Kasaragod Dt.C-op. Bank Ltd.The Kozhikode Dt.Co-op. Bank Ltd.The Malappuram Dt.Co-op. Bank Ltd.The Malabar Central Co-op. Bank Ltd.The Pathanamthitta Dt.Co-op. Bank Ltd.The Palakkad Dt.Co-op. Bank Ltd.The Thrissur Dt. Co-op. Bank Ltd.The Trivandrum Dt.Co-op. Bank Ltd.The Wayanad Dt. Co-op. Bank Ltd.

TAX CONSULTANTSM/s. Varma & VarmaChartered AccountantsThrissur

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THE KERALA STATE FINANCIAL ENTERPRISES LIMITED(A Government of Kerala Undertaking) REGD. OFFICE: “BHADRATHA”, P.B.No. 510MUSEUM ROAD, THRISSUR – 680 020

Our Ref.No.146 Date: 05-12-2016NOTICE TO SHAREHOLDERS

Notice is hereby given that the 46th Adjourned Annual General Meeting of the Company will be held at 12.00 noon wednesday, 4th day of January 2017 at the Registered Office of the Companyat Thrissur, to transact the following business:

1. To receive consider and adopt the Directors’ Report, the Audited Balance Sheet as on 31stMarch, 2015and theProfit andLossAccount for the Year ended 31st March, 2015 together with Auditors’ Report and the comments of the Comptroller and Auditor General of India and the comments of the Additional Chief Secretary (Finance) Government of Kerala thereon.2. To declare dividend for the year 2014-15.

By order of the Board of Directors

(Sd/-)V.R.MANOJ KUMAR

COMPANY SECRETARY

Regd.Office:“Bhadratha”,P.B.No.510, Museum Road,Thrissur – 680 020Kerala.

Note: A member entitled to attend and vote at the above meeting is also entitled to appoint a proxy to attend and vote instead of himself and the proxy need not be a member of the Company. A form of proxy is enclosed. A member who wishes to appoint a proxy must return the proxy form duly completed so as to reach the Registered Office of the Company not less than 48 hours before the meeting.

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DIRECTORS’ REPORT TO THE MEMBERSThe Board of Directors with great pleasure present the 46th Annual Report of the Kerala State Financial Enterprises Limited, Thrissur along with the Audited Balance Sheet and Profit & Loss Account for the year ended 31st March 2015.

FINANCIAL PERFORMANCE (ìn Lakhs) 2014-15 2013-14ProfitbeforeTax 20287.4817083.95Less:Provisionfortaxation 13215.2611095.05Profitaftertaxation 7072.225988.90Profitavailableforappropriation 7072.22 5988.90

APPROPRIATIONProposed Dividend 400.00 400.00CorporateDividendTax 139.6067.98TransfertoGeneralReserve 6532.625520.92 7072.225988.90

Dividend The Board of directors have recommended a dividend of 20%, i.e., @ `.20 per Equity share of face value of `.100/- per share of the Company, for the year 2014-2015 also amounting to ̀ 400 lakhs. A sum of ̀ 6532.62 lakhs has been transferred to General Reserve.

FINANCIAL HIGHLIGHTS OVER THE YEARS

PROFIT BEFORE TAX ( ` IN LAKHS )

PROFIT AFTER TAX ( ` IN LAKHS )

Operational ReviewThe Company opened 6 new branches during the year. Op-erating through its 507Units and7RegionalOffices, theCompany was able to serve its customers throughout the State of Kerala.

HIGHLIGHTS (ìn Lakhs)

* Turnover includes total auctioned sala and loans outstanding but does not include deposits** Fixed deposits include short term deposit and chitty security Deposit in Trust.*** The contribution to State Exchequer includes-Service charge, Guarantee Commission Registration &Filing Fee, Rates& Taxes, Dividend and insurance.

Years 05-06 06-07 07-08 08-09 09-10 10-11 11-12 12-13 13-14 14-15Capital & Reserves 10028 11114 11429 13443 16787 19113 25920 32442 37963 44495

Turnover * 241837 278038 364273 493012 775476 844105 994683 1279902 1557054 1820000

Fixed Deposits** 123007 120377 155578 187646 246658 257193 314152 415171 547246 670819

ProfitAfterTax 2387 1313 544 1248 3811 2794 7275 6989 5988 7072

Branches(Nos.) 266 268 271 299 337 376 387 460 501 507

Employees(Nos.) 4115 4111 4183 4227 4586 5040 5186 5203 5112 5585Contribution to State Exchequer*** 2560 2818 3587 4584 6334 7598 8796 9667 11709 14639

No. OF BRANCHES

During the year the Company has achieved an aggre-gate income of `1546 Crores registering an increase of 18% over the previous year’s `1306 Crores. After pay-ment of service charges amounting to `8549.97lakhsandguarantee commission to the tune of `3240.87 lakhs to the Government of Kerala during the year, the Company madeaprofitof`20287.48 lakhs.

FINANCIAL HIGHLIGHTS OVER THE YEARS ( ` IN LAKHS )

The activities of the Company during the year have resultedinthefollowingdirectandindirectbenefitstotheGovernment of Kerala.

Direct Benefits (ìn Lakhs) 2014-15 2013-141.ServiceCharges 8549.97 7316.402. Guarantee Commission 3240.87 2472.563.Registration&FilingFee 2399.43 1483.864.Rates&Taxes 20.69 16.115. Dividend 400.00 400.006. State Insurance Premium 28.32 20.44Total 14639.28 11709.37

PAY TO STATE GOVT ( ` IN LAKHS )

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Turnover (` in Crores)

CHITTY

The total sala of chitties conducted from all the branches put together rose to `132096.15lakhsasagainst`113858.60 lakhs at the end of the previous year, registering an in-crease of 16%, translating to `18238 lakhs during the year under report. The subscriber base increased to 17,08,626 nos. in 2014-2015 from 16,45,720 nos. in 2013-2014.

Bhagya Varsha Chittikal 2014 and Bhagya Sreyas chittikal 2014

After the success of earlier series of Bhagya Varsha and BhagyaSreyas chitty campaignsmade significant contri-butions to the chitty business of the Company, during the year, the Company registered new chitty business to the tune of `302.89Croresand`104.32 Crores during Bhagya Varsha Chittikal 2014 and Bhagya Sreyas Chittikal 2014 campaigns respectively. These campaigns helped the company to accelerate its growth in the key area of chitty business.

LOANS & ADVANCES

The Company continued to give high importance to its loan portfolio in line with its social objectives..The break up of overall loan portfolio as on 31.03.2015 was as under.

Amount Per cent to (`In lakhs) total loansGoldloan 81392 25ReliableCustomerLoan(RCL)&FDL 93556 29NewChittyLoan(NCL)&PBL 118921 37Others 27492 09Total 321361 100

Gold Loan

Total gold loan disbursed during the reported year was `157305 lakhs and the total outstanding as on 31st March, 2015 stood at `81392lakhsasagainst`107492lakhsforthe previous year.

Gold Loan ( ` In Crores)

Reliable Customer Loan (RCL)& Fixed Deposit loan(FDL)

Disbursements amounting to `76374 lakhs were made un-

der the Reliable Customer Loan Scheme & FD Loan dur-ing the year and the total outstanding as on 31.03.2015 increased to `93556lakhsasagainst`69847lakhsason31.03.2014. RCL&FDL ( ` In Crores)

Chitty Loan/New Chitty Loan

Chitty loan/New Chitty loan amounting to `91059 lakhswas disbursed during the year and the total loan outstand-ing as on 31.03.2015 rose to `118921 lakhs as against`108508 lakhs for the previous year.

CHITTY LOAN/NEW CHITTY LOAN( ` In Crores)

New Housing Finance Scheme

During 2014-15, a total sum of `13996lakhswasdisbursedunder the scheme. The total loan outstanding including loans under the Old Housing Finance Scheme as on 31st March, 2015 increased to `18403 lakhs as against `5505 lakhs for 2013-14.

Consumer /Vehicle Loan

Total amount of advance disbursed during the year under Consumer/Vehicle loan scheme was `1280 lakhs against `2047 lakhs of the last year. The outstanding advance under both, Hire Purchase and Consumer Vehicle Loan scheme as on 31st March, 2015 increased to `3694lakhsas against `3664 lakhs for the previous year.

It could be noticed from the above that the Company’s all major schemes like Chitty, Reliable Customer Loan/FD loan, New Chitty Loan and New Housing Finance Scheme showed increasing trend vis-a-vis previous year, except Gold Loan. The reason for fall in gold loan portfolio is the instability in Gold price with stiff competition in the market.Inshort,thenetresultreflectsabetterpositionintotal advances during the year as total advances, during 2014-15 rose to `321361 lakhs as against `283475 lakhs for 2013-14.

Total Loans ( ` In Crores)

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DEPOSITS

The Fixed Deposit under Government Guarantee in-creased to `448951lakhsasat31.03.2015ascomparedto `3,77,944lakhsasat31.03.2014. Theamountout-standing under Sugama Deposit under Government guar-antee as at 31.03.2015 rose to `47547 lakhs whereas the previousyearsbalancewas`41494lakhs.Theshorttermdeposit stood at `13822 lakhs as on 31.03.2015 vis-a-vis to `12678 lakhs as on 31.03.2014.

The break up of deposit portfolio as on 31.03.2014 was as under;

Amount Percent to (`In lakhs) total Depoits(%)FixedDeposit 448951 88Sugama 47547 09STD(Short term Deposits) 13822 03Total 510320 100

Deposit in Trust

The Deposit in Trust Scheme meant for prized subscribers, enable them to deposit amount equivalent to their future liability in the chitty. The balance amount outstanding under the scheme as at 31.03.2015 was ̀ 191026lakhsasagainst`156624 lakhs of previous year.

The total deposits of the Company also had increased considerably compared to last year. As on 31.03.2015, the total deposits stood at `7185 Crores as against `6038 Crores on 31.03.2014.

Total Deposits( ` In Crores)

NON-PERFORMING ASSETS

The Company has always accorded top priority for pre-venting fresh NPAs and for reducing existing default level. Company is giving emphasise to ‘current action for current default’ policy to reduce the default levels. A multi pronged strategy comprising effective follow up and activation of set-tlementprocessforreducingbothRRandnonRRfilesisactively followed. The total RR dues as on 31.03.2015 was `457.98CroreswhilenonRRdueswas`627.24 Crores.

RISKS AND CONCERNS

Risk isan integral part of thefinancial/Chittybusiness.Management of risk is aiming at achieving best trade-off between risk and return, becomes a national corollary. Sound risk management is critical to the success of a Financial Institution. Business and revenue growth have therefore to be weighed in the context of the risks embedded in the business strategy. The Company has put in place a mechanism to minimise operational risks by way of effective control systems, a system of constant review and an ongoing internal audit programme. The risk management function attempts to anticipate vulnerabilities at the transaction level or at the portfolio

level through quantitative examinations of embedded risks.

PROGRESS IN OTHER LINES OF BUSINESS

The Company’s money transfer business with Western Union Money Transfer (WUMT) and X press Money is doing well. The company is also into insurance business for last several years. The Company is also exploring other avenues for increasing fee-based income.

INFORMATION TECHNOLOGY

The implementation of the core solution software, CASBA in our branches is very well in progress and one half of our branches are already connected and are operational through CASBA. Once the CASBA has become fully functional, the total operations of the Company will undergo a transformation. The Internet Data Centres for the storage and maintenance of the voluminous data is acquired from BSNL. The BSNL IDC and network management of the company to facilitate the smooth go for CASBA software applications are working in tandem that too in the world class standard. Once this software is implemented in all our branches,theoperationalefficiencyoftheCompanywouldimprove considerably by providing quality services through added applications to its subscribers such as Mobile banking, internet and e-commerce transactions etc.

SERVICE QUALITY

Company clearly understands that customer satisfaction is the most important single factor in the growth of any organisation in today’s competitive world. Adoption of world-class technology is highly essential to attract the young generation to the company. With the increased turnover and number of customers, the responsibility of the company to ensure quality service to all has increased considerably. Company’s endeavour is to provide the best possible service to its customers and company is adapting the best available technology to achieve this objective. Company is giving continuous training to its staff to ensure satisfactory customer service at branch level.

RIGHT TO INFORMATION ACT -2005

The Right to Information Act introduced in 2005 has entered into a matured level now and the Company is giving utmost importance to transparency in its functioning and maximum information is made available in website, so that the public will have to resort to the Right To Information Act minimum. Over the years an effective system has evolved for complying with the requirements of Right to Information Act – 2005. As required by the Act the Company has designated Assistant PublicInformationOfficers,PublicInformationOfficersandAppellateOfficer.Atbranches,BranchManagersarePublicInformationofficers for theBranchconcernedwithoneofthe Assistant Managers designated as Assistant Public InformationOfficer.AtSDTOfficesalso,PIOsandAPIOsare appointed.At all Regional Offices,Assistant GeneralMangers (Region) are PIOs and Chief Managers/Senior ManagersaredesignatedasAPIOs.AtHeadOfficeoftheCompany, followingofficersareappointedasPIOs,APIOand Appllate Authority. The Company is complying with the latest circulars and directions under the Act.

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PIOs and APIO under Right to Information Act 2005 at HO.

Name Designation Department Status under RTIK.V.Jayaprakasan General Manager (Finance) Accounts PIOVP.Subaramanian General Manager (Business) Business PIO

S.K.Sanil Deputy General Manager (P&HR) Personnel and Human Resource Development PIO

Rajachandran Nair M Deputy General Manager (IA&V) I/C Internal Audit &Vigilance PIOPramodan.A Asst.General Manager(Legal) Legal PIONisha.A.B Asst.General Manger(IT) Information Technology PIO

Madhumohan.C.K Asst.General Manager (P&B) -In charge Planning &Business PIO

Somanathan A.N Asst.General Manager (Recovery)-In Charge Recovery PIO

Jose K.V Senior Manager (GAD) General Administration PIO

V.R. Manoj Kumar Company Secretary Secretarial PIO(Secretarial)& APIO for HO.

Joshi Paul Veliyath Managing Director Appellate Officer

According to the provisions of the Act, information should be furnished within 30 days from the date of receipt of requestinnormalcases.IfnotsatisfiedwiththereplyofPublicInformationOfficer(PIO),firstappealshallbefiledwithAppellateOfficer(AO)and2ndappeallieswithInfor-mation Commissioner. The Company received a total of 355requestsunderRTIActatHeadOfficealoneduringthe year 2014-15..

HUMAN RESOURCES DEVELOPMENTHuman Resource is the single most important catalyst for effective and efficient operation of any organization.Competition has rendered this dimension still more critical. The Company has a team of committed, self-motivated and empathetic workforce, who strive to meet the customers’ requirements. To meet the challenges in the financialservices industry, it is highly essential to keep the staff fully equipped, knowledge wise and technology wise. For this purpose, company is trying to ensure an effective organisational structure and well-qualified work force.Company is providing continuous training to staff at all levels to equip them to meet the customer expectations and future challenges

The total staff strength of the Company as on March 2015was5585numbers comprising1844Officers, 2343Assistants and 950 Subordinate staff besides 448 Part-Time employees.

NUMBER OF EMPLOYEES

The requirement of disclosure under Section 134 of the Companies Act 2013 read with the Companies (Particu-larsofEmployees)Rules,1975,asamendedvideGSR289(E)datedMarch31,2011Companies(ParticularsofEmployees) Amendments Rules, 2011 does not apply to any of the Company’s employees.

According to Section 134(3)(m) we have to report that, though the operations of the Company are not energy sensitive, all attempts are being made to reduce energy

consumption to the maximum extent possible. Being a Miscellaneous Non-Banking Company, the required tech-nology absorption is made considering the nature of ac-tivities. We further report that there were no foreign ex-change earnings and outgo during the year.

THE ANNUAL REPORT ON CORPORATE SOCIAL RESPONSIBILITY (CSR) ACTIVITIES:A brief outline of the Company’s CSR Policy, including overview of

projects or programs undertaken / to be undertaken;

Kerala State Financial Enterprise’s CSR Policy:Corporate Social Responsibility (CSR) is the Company’s commitment to its stakeholders to conduct business in an economically, socially and environmentally sustainable manner that is transparent and ethical. KSFE is committed to undertake CSR activities in accordance with the provisions of Section 135 of the Indian Companies Act, 2013 and related Rules. KSFE believes that corporate development has to be inclusive and every corporate has to be responsible for the development of a just and humane society that can build a national enterprise. KSFE commits itself to contribute to the society in ways possible for the organization andhassetup, itscoreCSR team,asameans for fulfilling thiscommitment.

Overview of Activities:In line with the CSR policy and in accordance with Schedule VII of the Companies Act, 2013, KSFE undertook various activities during theFY2014-15whichhadsignificantimpactonthesociety.Theseactivities include:

• Making available safe drinking water to Schools, Hospitals and other Institutions

• Constructing Toilets and Urinals in Government and aided schools

• Providing schools buses for transportation of students• Providing tables, chairs and other equipments for schools for mid

day meal distribution• Provide Vehicles to Old age Homes and Institutions for the

mentally challenged children• Providing Dialysis Units and other medical equipments to

Government Hospitals• Providing Ambulances to hospitals and Panchayaths.

Web-Link to the CSR Policy:

http://ksfe.com/latest/CSR Policy for KSFE

Composition of CSR Committee:The Company understands its responsibility towards the society and environment in which it operates. The Company has constituted

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Corporate Social Responsibility Committee at the board level to monitor the CSR activities.

Members of the Committee are:

1. Sri.P.T.Joseph (Chairman of the Committee)2. Adv.Job Michael (Member)3. Smt.P.A.Shyla (Member)4. Sri.Pappanamcode Sreeni (Member)5. Sri.P.M.Shereef (Member)6. Sri.K.Sanakaran Mastr (Member)

7. Adv.Justin John (Member)8. Sri.Biju Mattappallil (Member)

The composition is as per Companies Act, 2013 and Companies (Corporate Social Responsibility Policy) Rules, 2014.

AveragenetprofitoftheCompanyforthelastthreefinancialyears:` 73. 67crore(based on provisional accounts)

Prescribed CSR Expenditure (two per cent of the amount as above): ` 1.47 crore.(based on provisional accounts)

Details of CSR spent during the Financial Year:a. Total amount to be spent for the Financial Year 2014-15: `1.47 crores.b. Amount unspent, if any: `1,46,00,160.c.Mannerinwhichtheamountspentduringthefinancialyearisdetailedbelow:

Sl.No.

CSR Project or activityidentified

Sector in which the Projectis covered

Projects or Programs (1) Localarea or other (2) Specify the Stateand District where projects orprograms was under-taken

Amount outlay(budget)

project orprograms wise

Amount spent on theprojects or programssubheads:

(1) DirectExpendi-ture onprojects or programs(2) over-heads:

Cumu-lative Expen-ditureupto the Report-ingPeriod

Amountspent: Director throughimple-mentingagency

1 Bus to DCMR (Special School for Mentally challenged), Kottayam

Promoting education in-cluding special education

Other, Kottayam District, Kerala

12,15,000 Ni Ni Direct

2 WaterPurifierstovari-ous Schools/institutions

Making available safe drinking water

Other, Ernakulam& Kot-tayam Districts, Kerala

19,28,750 Nil Nil Direct

3 Dormitory at Govt Old Age Home, Thrissur

Setting up old age homes and other facilities for senior citizens

Local area, Thrissur District, Kerala

99,840 99,840 99,840 Direct

4 Maruti Omni Ambulance to Mudakuzha Grama Panchayatoffice,Ernakulam

Rural development and public health care

Other, Ernakulam Dis-trict, Kerala


5 Construction of Borewell at Govt. Vocational Higher Secondary School, Odakkali, Ernakulam

Making available safe drinking water


30,000 Nil Nil Direct

6 Bus to Abhayam (Spe-cial School for Mentally challenged), Kozhikode

Promoting education in-cluding special education

Other, Kozhikode Dis-trict, Kerala


7 Medical equipments to Govt.Taluk hospital, Nemom


Other, Thiruvanatha-puram District, Kerala


8 Construction of weight-ing shed at Govt.Taluk hospital, Nemom


Other, Thiruvanatha-puram District, Kerala


9 Furniture to Govt. UPS, Kumbalanghi

Promoting education Other, Ernakulam Dis-trict, Kerala


10 Pavingfloortilesandconstructing toilets at Govt.HSS Chellanam

Promoting preventive health care and sanitation



11 Providing dialysis units to dialysis centre, Taluk Hospital, Neendakara

Rural development and healthcare.

Other, Kollam District, Kerala


12 Constructing a kitchen block at Maria Sadaname Charitable Trust, Pala, Kottayam

Setting up homes and hostels for women and orphans and facilities for senior citizens

Other, Kottayam District, Kerala


Total 1,24,29,944 99,840 99,840

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Company’s CSR mission is to contribute to the social and economic welfare of the community. The Company spent a sum of `99840underCSRfortheFY2014-15.Throughthese CSR spent, KSFE were able to touch the lives of many.Sinceitwasthefirstyearofintroductionofthecon-cept of CSR, there were lot of ambiguity regarding the im-plementation of the same. Therefore, the Company could start activities on CSR only in the last quarter of the FY 2014-15. Hence, the Company could not actually spend the total amount during the period. However, the Company had dulyidentifiedprojectscovering`1,24,29,944/-,whichwereapproved by board of Directors with the recommendation of CSR Committee. In the FY 2015-16, the Company is committed to increase its CSR spent so as to increase its continued focus towards sustainable development of social sector.TheCSRCommittee confirms that the implemen-tation and monitoring of CSR Policy is in compliance with CSR objectives and Policy of the Company.

AUDITORSThefollowingfirmsofCharteredAccountantshavebeenthe Auditors of the Company for the year 2014-2015:

1. M/s.Dhan & Co. Statutory auditors for CharteredAccountants, HeadOffice& CF6-B-9KalharaApartmentsConsolidation of Accounts. Kanjany Rd, Ayyanthole Branch Auditors for Thrissur-680 001 Thrissur Region.

2. M/s. Dharmalingam & Associates Branch Auditor, Chartered Accountants Thiruvananthapuram TC 41/368, Sivas Kuriyathai Region. Manacaud Thiruvananthapuram-695009

3. M/s. Sreedhar & Co., Branch Auditor, Chartered Accountants Kollam Region Sreenidhi,TC 37/275, Fort, Thiruvananthapuram- 23

4. M/s. Sasi Vijayan & Rajan Branch Auditors Chartered Accountants Kottayam Region

72, PHRWA, Power House Link Road Palarivattom, Kochi-682 025

5. M/s. Balan &Co Branch Auditors, Chartered Accountants, Ernakulam Region. 181 D,Anatha Buildings

Karikkamuri, Mahakavi G Road Cochin-682 011

6. M/s. Issac & Suresh, Branch Auditors, Chartered Accountants, Kozhikode Region. Maniyoth Buildings Kallai Road Kozhikode-673 002

7. M/s. Mohan & Mohan Associates. Branch Auditors, Chartered Accountants, Kannur Region. Karunalayam, Wayanad Road Kozhikode – 673 001

DIRECTORSThe Company was having 14 Directors including Chairman and

Managing Director, as on 31.03.2015:

1. Sri.P.T.Joseph Pulikeel(H) Near Jail Quarters Road, P O Pal-likkunnu, Kannur, Kerala - 670 004

Chairman Appointed as Director and Chairman of the Company vide G.O. (M.S) No. 171/11/TD dated: 19.11.2011.

2. Adv.Job Michil Nedump-arambil House Malakun-nam PO, Changanach-erry Kottayam - 686 552

Vice Chairman

Appointed as Director of the Company vide G.O. (Rt) No. 919/2011/TDdated:24.12.2011.

3. Dr.A.Kowsigan I.A.S I.G. of Registration, Government of Kerala, Thiruvananthapuram.

Director Appointed as Director of the Company vide G.O.(Rt) No.283/2014/TD dated: 11.14.2014.

4. Smt.S.Deepadevi Additional Secretary, Taxes (H) Department, Government of Kerala.

Director Appointed as Director of the Company vide GO (Rt) No.355/2013/TD dat-ed:30.04.2013.

5. Smt.P.A.Shyla Joint Secretary, Finance Department, Govern-ment of Kerala. Thiruva-nanthapuram.

Director Appointed as Director of the Company vide G.O.(Rt) No.315/2014/TD dated: 29.04.2014.

6 Sri.M.M.Francis XVI/1996B,Maliak-kal House T&R Cross Road Thoppumpady Kochi-682 005

Director Appointed as Director of the Company vide G.O. (Rt) No. 328/12/TD dated: 26.04.2012.

7 Sri.Tomy.K.Thomas Kottanattu House Elanji PO Muvattupuzha Er-nakulam-686 665

Director Appointed as Director of the Company vide G.O. (Rt) No. 277/12/TDdated:09.04.2012.

8 Sri.P.M.Shereef Puthuparambil house Erattupetta PO Kot-tayam-686 121


9 Sri.Pappanamcode Sreeni 939(709),Ambika,6,College ward, Ne-mom Thiruvanatha-puram-695020


10 Sri.omas.P.Kuruvila Poickattil House, 17/574 Perumbavoor, Ernakulam-683 542


11 Sri.K.Sankaran Master 495,Kunney-dath 2,Chemancheri Kozhikode-673 304


12 Sri.Biju Mattappallil Mattappallil House Eravimangalam, Manjoor Kottayam 686 613


13 Adv.Justin John Kaspar Purayidam 14/275, Karithura Cha-varaKollam-691583


14 Sri.P.Rajendran Sreeragam, Ragama-likapuram Kottappuram, Poothole PO Thrissur

Managing Director

Appointed as Managing Director of the Company vide G.O.(Rt) No.573/11/TD dated. 11.08.2011.

COMPLIANCE DEPARTMENTThe Company has institutionalized a strong compliance culture and mechanism across the organization, pursuant to its strategic goals of transparency and trust, among all its stakeholders. Company Secretary is looking after ensuring the compliance of various Acts, Rules and regulations. One of the key functions of this department includes, dissemination of key regulatory updates affecting the various business verticals of the Company, review of processes from a regulatory compliance perspective, provide guidance on compliance-related matters, among others.

INTERNAL AUDIT &VIGILANCECompany is conducting a cent per cent audit of all its branches at regular intervals. Company has 21 teams for conducting Regular Inspection of the Company’s branches

11

at periodical intervals. In addition to the above, Company conducts Surprise Inspection of gold & cash, exclusive Gold Loanassetverificationetc.atbranches.Also,thefrequencyof Gold Loan Inspection has been increased. Company is in the process of increasing the number of audit teams and equipping them with modern facilities. This will strengthen the internal audit and Vigilance mechanism of the Company. The Internal Audit &Vigilance department of the Company is at present headed by Deputy General Manager (Internal Audit &Vigilance)

DIRECTORS’ RESPONSIBILITY STATEMENT

Pursuant to the requirements of Sec.134(5) of the Companies Act, 2013, the Board of Directors hereby declares that:

(a)Inthepreparationoftheannualaccountsforthefinancialyear ended 31st March, 2015, the applicable Accounting Standards except AS 17 had been followed along with proper explanation relating to material departures as given below:

1. As part of prudential accounting based on actual realisation of cash in each chitty, the Company has not recognized “Foreman’s Commission” on that portion of tickets substituted by the Company on account of default of the subscribers in the chitty. On the substituted tickets, the Company is not receiving or paying any amount rather it is only book entries for the purpose of completing the auction procedures and for complying with the provisions of the Kerala Chitty Act.

2.The Company has provided interest liability on all fixeddeposits for the reported year based on the accrual concept of accounting. Based on that, the Company has also provided eligible interest cost on all those cases of deposits matured but not paid /renewed at the applicable rate of Short-term deposit (Sugama) as the certainty of renewal/settlement is not known.

3. Pending reconciliation of inter-branch current A/c and Inter-Regional Accounts amount to `86,29,47,435.This isbeingattended to and considerable progress has been made during the reported year.

4. Regarding provision for bad & doubtful debts – the provisioning for bad & doubtful debts as prescribed by the Reserve Bank of India under prudential norms, are not applicable to the Company being a Miscellaneous Non Banking Company. However, the Company has made a further provision of `6936 lakhs for bad & doubtful debtsduring the year on the outstanding balance under various lending schemes& for Chitty scheme. The existing provision has been re-arranged based on the outstanding balance under various lending schemes and the balance has been allocated as additional provision for chitty.

5. The liability on account of encashment of leave to employees is provided based on actuarial valuation as on 31.03.2015.

(b) The Directors had selected such accounting policies and applied them consistently and made judgments and estimates that are reasonable and prudent so as to give a true and fair view of the state of affairs of the Company as at the end of the financial year2014-15andof theprofit and lossof theCompany for that period.

(c)TheDirectorshavetakenproperandsufficientcareforthemaintenance of adequate accounting records in accordance with the provisions of the Companies Act, 2013 for safeguarding the assets of the Company and for preventing and detecting fraud and other irregularities.

(d) The Directors had prepared the Annual accounts for the financialyearended31stMarch,2015,onagoingconcernbasis and

(e) The directors had devised proper systems to ensure compliance with the provisions of all applicable laws and that such systems were adequate and operating effectively.

EXPLANATION FOR AUDITORS’ COMMENTS IN THEREPORT

1. Auction Veethapalisa:- Accounting Policy duly approved by the ACB and the Board in the matter of Auction Veethapalisa: - The Board of Directors of the company based on the recommendation of the Audit Committee of the Board and after a detailed review, deliberations and discussion has unanimously decided and approved the accounting policy on auction veethapalisa vide Resolution No: 6738 as follows; “Resolved to recognize and treat forfeited veethapalisa as income of the company with respect to chitties registered / to beregisteredundertheCFAct1982,followingtherealizationmethod and to recognize the same as income of the company at the time of termination of chitty (ie in line with the Board resolutionNos.4732,5397&5685dated25/02/2009,15/12/2010 and 25/02/2012 and also based on the technical; paper issued by the ICAI, judicial decisions and the business practices regularly followed by the company and the industry”. The Discussion Note of the Board on the subject has made clearthat,theKeralaChittiesAct,1975hadspecificallystatedthat the foreman is entitled only for foreman commission and hence the undistributed veethapalisa of prized subscribers in terminatedchittieswasconsideredasaliabilityandclassifiedaccordingly in the balance sheet under current liabilities. In thematterofchittiesregisteredundertheChitFundAct,1982,duetotherepealoftheKeralaChittiesAct,1975effectivefrom30/04/2012, the Board has approved the accounting policy on forfeited veethapalisa as income under the new Chit Fund Act, considering the following vital aspects and crucial points. (a) The judicial decision in the matter of accounting of Forfeited Veethapalisa by the Hon’ble ITAT (Cochin Bench) and subsequently upheld by the Hon’ble Supreme Court of India. (b) Technical note in the matter of accounting of Forfeited veethapalisa issued by the ICAI. (c) Expert opinion received from the Tax consultant on the matter were duly presented in the Audit committee meeting while approving the policy. (d) Judgment of the Madras High Court in the case of M/s Shriram Chits and Investment Pvt Ltd V/S ACIT (DTR -144).(e)ThespiritoftheprovisionofSection21(c)ofCFAct,1982andprovisionsoftheerstwhileKeralaChittyAct,1975.(f) Earlier decisions and resolutions of the Board of Directors on the matter based on the detailed discussion notes of the Board.(g) Business practices followed by the company with a view to maintain good business relations with the subscribers and based on the existing directions in force vide circular No: 6/ 1994dated18-03-1994onthematter.(h) Industry practices commonly followed by various entities on the matter. (i) In full compliance with the provisions of all applicable laws and prudent accounting and business practices. The auction veethapalisa of `795,61,61,490.83 shownunder the “current liability” is the cumulative total of the outstanding balance of veethapalisa as at the year end, including the amount payable to the eligible live subscribers forauctionconductedduring the lastmonthof thefinancialyear to be distributed / payable in the subsequent month, auction veethapalisa of chitties registered under the erstwhile Kerala Chitty ACT, 1975 and the balance amount is theauction veethapalisa pertains to chitties registered under the CFA, 1982 forwhich approved accounting policy has beenduly executed and implemented by the company. Accordingly, the company is strictly following accounting policy duly approved by the Board and Audit Committee, for accounting of forfeited dividend as income for chitties

12

registered under the CFA 1982, in sync with practicescommonly followed by the industry, containing the spirit of the technical note issued by ICAI, Judicial pronouncement of various Courts/ Appellate Authority / Supreme Court, expert opinion of the Tax Consultants, business practices followed by the company on the subject, spirit of the provisions of section 21(C)oftheCFAct,1982,etc.AccordinglytheCompanyhasrecognized the income and accounted it from the F.Y.2014-15 and onwards.2.Advances are classified as per Schedule III of TheCompanies Act, 2013 as was the practice hitherto followed. We are in the process of putting in place a system wherein computerized statements showing all advance particulars with security details could be generated. The same would be available once the computerization of branch operation/Core Solution is completed in all respects at branch level.

3. The Company has been creating every year adequate provision for bad & doubtful debts for all schemes including chitty. The above cited account is now transferred as RR debtors account and Revenue Recovery action will commence intheabovecasebytheconcernedSDTOffice.Accordinglyprovision will be created for the above RR case as applicable to other RR debtors case.

4. We have been creating provision for bad & doubtful debts as per the duly approved policy consistently followed by the Company. The Policy is to create provision on all debts/receivables involved in the RR proceedings on the basis of age wise analysis and in respect of NPA in other advance schemes @ 40% of the NPA amount. In the case of chitty, required provision is made for all RR cases, and ad hoc provision is also created for all non RR chitty items. Implementation of core IT solution (viz CASBA) would facilitate generation of statements pertaining to advances with all relevant particulars.

5. Noted. As per the policy consistently followed, the company isusedtotakestepsagainstallthefinancialfraudcommittedthrough appropriate steps including Revenue Recovery actionor through recovery from the terminalbenefitsof theemployees concerned. Appropriate steps will be taken to create further rolling provision @ 40% on the estimated amount of fraud/mis appropriationfromthefinancialyear2015-16onwards6. This represents mainly un-reconciled items of inter branch current account and inter-regional accounts. Appropriate steps will be taken to clear the un-reconciled items at the time of implementing the CORE IT solution at branches and once the CORE solution is put in place, future transactions will also be recorded on a real time basis. 7.As far as Transfer In & Transfer Out of fixed assets areconcerned,thebranchaccountsfixedassetsreceivedbasedon the date of receipt, where as HO accounts it based on date of invoice/date of payment. However, the difference as mentioned in the report is being reconciled.8. As per the Company’s accounting policy, interest due but outstanding up to six months of NCL account will be categorized as interest income and those NCL accounts which has defaulted for more than six months will be categorized as NPA accounts as in the case of other advances and loans. The company is so far not having a fully automated Software Core Solution and in order to identify and classify the debts into facility-wise rather than borrower-wise requires Core Solution. The company is expected to streamline a Core Solution during the year 2016-17.

9. We have already taken up with the Government forenhancing the guarantee coverage limit to `600000 lakhs as per letter no.2212 dated 17-10-2014 and 12-02-2016. The Audit Committee of the Board in their meeting held on 16.01.2016 has also directed to take up the matter with Government for enhancing the guarantee limit. In addition to that the company is also timely making payment of Guarantee Commission to Government on the actual outstanding deposit

amount.

10(a&b)Confirmation of balance with banks/Treasury incurrent/deposit account is provided in almost all cases in branches where the same has not been provided, instructions would be issued to obtain the same from the banks / treasury strictly in future. 10)c)Outstanding balances in all loan accounts are supported by schedules containing details of each loanee. Due to large number of subscribers / customers the procedure of getting balanceconfirmationfromallofthemistimeconsumingandimpractical.

10(d) The accounting schedule No: 66 is extracted through computer system from the concerned personal ledger and tallied with the Prized and non-prized collections in the Consolidated chitty Trial balance.

10(e) Bhadratha Social Security Scheme is a scheme of Government of Kerala duringNovember 1977 inwhich theCompany has been appointed as the agent for running the scheme. The scheme was operated by the Company through it’s various branches spread through out the State. Since the scheme has already discontinued and the scheme was introduced by Govt of Kerala, prior sanction of Govt needs for settling the account. Since this scheme was discontinued long back, the reconciliation is a time-consuming work. However, the reconciliation of accounts is under process.

In the case of Revised Bhadratha Deposit Scheme (RBD), even though the aforesaid scheme have been since discontinued, some of the deposits along with the interest need to be still refunded and as such there is outstanding balance in this account. Reconciliation of Revised Bhadratha deposit Scheme has already been initiated and would be completed soon.

11(a) Necessary instructions in this regard had already been circularized and suitable disciplinary action is also initiated against all the deliberate lapses reported. However, the occurrence of such instances has now reduced. 11(b) Instructions are being issued for identification ofcustomers based on customized parameters in line with guidelines issued by RBI under Anti Money Laundering (AML) measures/ Know Your Customer (KYC) norms.

11(c) Noted for future compliance.

Our branch operations are not yet fully computerized/getting stabilized in computerized environment and as such it is difficulttoprovidevariousrequirementofRevisedScheduleIIIregardingclassificationanddisclosureasmentionedbelow:i)Separateclassificationofinterestaccruedonfixeddepositbetween interest accrued and due and interest accrued but not due. ii)Classificationanddisclosureregardingii(a) Loans and advances into Current and non current assets has been disclosed separately3(a) Trade receivable outstanding for more than six months and Others.

12. See the reply 1

13. Rebate allowed under One Time Settlement scheme/ Adalaths conducted under the auspices of District Legal Service Authority is separately accounted. However, for consolidation purpose only the same gets clubbed with the respective account.

14.As applicable to any other institution/banks minor issues initially with respect to implementation of automation of process was there, and steps are taking continuously to purify

13

anyerror/errorsobservedineachfinancialyear.However,so far no serious drawbacks or any impact on operating profitisdetectedduetoautomationprocess.Theprocessofdatamigration/purificationofdatawillbecompletedbeforecompleting the online core solution. 15. Interest on Chitty Security Deposit in Trust [CSDT] ceases to accrue from the date of termination of chitty, since the deposit cannot be renewed or extended beyond the termination date of chitty. Similar way in the case of short term deposit, unless it is renewed on the due dates / or failed to furnish auto request for renewal, the interest will ceases to accrue from the date of maturity. 16.ThenewchitfundAct,1982hasintroducedandcomeintoforceinthestateofKeralafromthefinancialyear2012-13onwards.Priortothefinancialyear2012-13,theKeralaChitFundAct,1975wereinforce/applicabletothecompany,forwhichtherewerenospecificstipulationtotransfer10%profitto a separate reserve account. As the company is running boththechitties,ie,TheCFA,1982andtheKeralaChittyAct,1975,itisdifficulttoarriveprofitofeachcategoryofchittyformakingtransfertothespecificreserve.Hence,transfertothisreserve fund was not made separately, which has already included in the existing General Reserve Account. However, considering the comments, the company will transfer an amountof10%ofthenetprofit(profitaftertax)oneachyeartothespecifiedReserveaccount,subjecttotheapprovaloftheAuditCommitteeoftheBoard,witheffectfromthefinancialyear 2015-16 and onwards.

REPORT ON CORPORATE GOVERNANCECompany recognizes the importance of good corporate governance. The endeavor of the Company is not only to

comply with the regulatory requirements but also to practice good Corporate Governance that lays strong emphasis on integrity, transparency and overall accountability. A separate section on Corporate Governance is annexed to and forms part of this report.

MANAGEMENT DISCUSSION AND ANALYSIS REPORTManagement Discussion and Analysis Report is attached to and forms an integral part of the Report of the Board of Directors.

ACKNOWLEDGEMENTThe Board of Directors place on record their sincere appreciation for the support and co-operation extended to the Company by the Government of Kerala, all staff members, customers, banks, the Reserve Bank of India and various Departments of Central Government, in improving its overall performance during the year 2014-15.

For and on behalf of the Board of Directors,

Sd/-Place:Thrissur Adv.Peelipose ThomasDate: 30.11.2016 CHAIRMAN (DIN:07682129)

14

Annexure – I FORM NO. MGT 9

EXTRACT OF ANNUAL RETURN

As on financial year ended on 31.03.2015

Pursuant to Section 92 (3) of the Companies Act, 2013 and Rule 12(1) of the Companies (Management & Administration) Rules, 2014

I. REGISTRATION & OTHER DETAILS:

1 CIN U65923KL1969SGC002249

2 Registration Date 06/11/1969

3 Name of the Company KERALA STATE FINANCIAL ENTERPRISES LIMITED

4 Category/Sub-category of the Company Company limited by shares / State Government company

5 AddressoftheRegisteredOffice&Contactdetails P B NO 510, ‘BHADRATHA’, MUSEUM ROADTHRISSUR - 680020, KERALA STATE. Phone: 0487 – 2332255 Fax: 0487 – 2336232 Web: www.ksfe.com e-mail: [email protected]

6 Whether listed company NO

7 Name, Address &Contact details of the Registrar & Transfer Agent, if any.

- N I L -

II. PRINCIPAL BUSINESS ACTIVITIES OF THE COMPANY (All the business activities contributing 10.00 % or more of the total turnover of the company shall be stated)

Sl.No. Name and Description of main products/services NIC Code of the

Product/service*% to total turnover of

the company1 Financial Service Activities 64990 100.00

* As per National Industrial Classification 2008 – Ministry of Statistics and Programme Implementation.

III. PARTICULARS OF HOLDING, SUBSIDIARY AND ASSOCIATE COMPANIES

Sl. No.

Name and addressof the company

CIN/GLN Holding/ subsidiary/Associate % of shares held

ApplicableSection

1 - N I L -

IV. SHARE HOLDING PATTERN (Equity Share Capital Breakup as percentage of Total Equity)(i) Category-wise Share Holding:-

Category of Shareholders

No. of Shares held at the beginning of the year[As on 31-March-2014]

No. of Shares held at the end of the year[As on 31-March-2015]

% Change during

the year Demat Physical Total % of Total

Shares

Demat Physical Total % of Total Shares

A. Promoters

(1) Indian

a) Individual/HUF - - - - - - - - -

b) Central Govt - - - - - - - - -

c) State Govt(s) NIL 1999998 1999998 100 NIL 1999998 1999998 100 0.00

d) Bodies Corp. - - - - - - - - -

e) Banks / FI - - - - - - - - -

15

f) Any other… - - - - - - - - -

Sub-total (A)(1):- NIL 1999998 1999998 100 NIL 1999998 1999998 100 0.00

(2) Foreign

a) NRIs-Individuals - - - - - - - - -

b)Other Individuals - - - - - - - - -

c) Bodies Corp. - - - - - - - - -

d) Banks / FI - - - - - - - - -

e) Any other… - - - - - - - - -

Sub-total (A)(2):- - - - - - - - - -

Total Shareholdingof Promoters (A) = A(1) + A(2)

NIL 1999998 1999998 100 NIL 1999998 1999998 100 0.00

B. Public Shareholding

1. Institutions - - - - - - - - -

a) Mutual Funds - - - - - - - - -

b) Banks/FI - - - - - - - - -

c) Central Govt - - - - - - - - -

d) State Govt(s) - - - - - - - - -

e) Venture Capital Funds

- - - - - - - - -

f) Insurance Companies

- - - - - - - - -

g) FIIs - - - - - - - - -

h) Foreign Venture Capital Funds

- - - - - - - - -

i) Others (specify) - - - - - - - - -

Sub-total (B)(1):- - - - - - - - - -

2. Non-Institutionsa) Bodies Corp. - - - - - - - - -

i) Indian - - - - - - - - -

ii) Overseas - - - - - - - - -

b) Individuals

i) Individual shareholders holding nominal share capital upto ` 1 lakh

NIL 2 2 - NIL 2 2 - -

ii) Individual shareholders holding nominal share capital in excess of `1 lakh

- - - - - - - - -

c) Others (specify) - - - - - - - - -

Non Resident Indians - - - - - - - - -

Overseas Corporate Bodies

- - - - - - - - -

Foreign Nationals - - - - - - - - -

Clearing Members - - - - - - - - -

Trusts - - - - - - - - -

Foreign Bodies - D R - - - - - - - - -

Sub-total (B)(2):- NIL 2 2 - NIL 2 2 - -

Total Public Shareholding (B)=(B)(1)+ (B)(2)

NIL 2 2 - NIL 2 2 - -

16

C. Shares held by Custodian for GDRs & ADRs

- - - - - - - - -

Grand Total (A+B+C) NIL 2000000 2000000 100.00 NIL 2000000 2000000 100.00 0.00

(ii) Shareholding of Promoters

Sl. No. Shareholder’s Name Shareholding at the beginning of the year Shareholding at the end of the year

% change in shareholding

during the year

No. of Shares

% of total Shares of

the company

%of Shares Pledged/

encumbered to total shares

No. of Shares

% of total Shares of the

company

%of Shares Pledged/

encumbered to total shares

1 Governor of Kerala 1999998 100 - 1999998 100 - 0.00

(iii)Change in Promoters’ Shareholding: - No change during the year 2014-15 -

Sl. No.

Particulars Shareholding at the beginning of the year

Cumulative Shareholding during the year

No. of shares

% of total shares of the company

No. of shares


At the beginning of the year 1999998 100 1999998 100

Increase / Decrease in Promoters Shareholding during the year.

- - 1999998 100

At the end of the year - - 1999998 100

(iv) Shareholding Pattern of top ten Shareholders (Other than Directors, Promoters and Holders of GDRs and ADRs): - N I L -

Sl. No.

For Each of the Top 10 Shareholders Shareholding at the beginningof the year

Cumulative Shareholding during the Year

No. of shares


No. of shares


(v) Shareholding of Directors and Key Managerial Personnel:Sl. No.

Shareholding of each Directors and each Key Managerial Personnel

Shareholding at the beginning of the year

Cumulative Shareholding

during the YearNo. of shares

% of total shares of the

company

No. of shares

% of total shares of the

company1 Shyla P. A. - Director

At the beginning of the year - - - -Increaseduetotransferon05/09/2014 1 - 1 -At the end of the year - - 1 -

2 Biju Mattappallil - DirectorAt the beginning of the year - - - -Date wise Increase/Decrease in Shareholding during the year - - - -At the end of the year - - - -

17

3 P. Rajendran - Managing DirectorAt the beginning of the year - - - -Date wise Increase/Decrease in Shareholding during the year - - - -At the end of the year - - - -

4 Deepa Devi S. - DirectorAt the beginning of the year 1 - 1 -Date wise Increase/Decrease in Shareholding during the year - - 1 -At the end of the year - - 1 -

5 P. T. Joseph - ChairmanAt the beginning of the year - - - -Date wise Increase/Decrease in Shareholding during the year - - - -At the end of the year - - - -

6 M. M. Francis - DirectorAt the beginning of the year - - - -Date wise Increase/Decrease in Shareholding during the year - - - -At the end of the year - - - -

7 Tomy K. Thomas - DirectorAt the beginning of the year - - - -Date wise Increase/Decrease in Shareholding during the year - - - -At the end of the year - - - -

8 Job Michil – Vice ChairmanAt the beginning of the year - - - -Date wise Increase/Decrease in Shareholding during the year - - - -At the end of the year - - - -

9 Shereef P. M. - DirectorAt the beginning of the year - - - -Date wise Increase/Decrease in Shareholding during the year - - - -At the end of the year - - - -

10 Pappanamcode Sreeni - DirectorAt the beginning of the year - - - -Date wise Increase/Decrease in Shareholding during the year - - - -At the end of the year - - - -

11 Sankaran K. - DirectorAt the beginning of the year - - - -Date wise Increase/Decrease in Shareholding during the year - - - -At the end of the year - - - -

12 Thomas P. Kuruvilla - DirectorAt the beginning of the year - - - -Date wise Increase/Decrease in Shareholding during the year - - - -At the end of the year - - - -

13 Justin John - DirectorAt the beginning of the year - - - -Date wise Increase/Decrease in Shareholding during the year - - - -At the end of the year - - - -

14 Kowsigan A. - DirectorAt the beginning of the year - - - -Date wise Increase/Decrease in Shareholding during the year - - - -At the end of the year - - - -

15 V. R. Manojkumar – Company SecretaryAt the beginning of the year - - - -Date wise Increase/Decrease in Shareholding during the year - - - -At the end of the year - - - -

Note: Directors as on 31.03.2015 have been considered for the purpose of above disclosure.

18

V. INDEBTEDNESS -Indebtedness of the Company including interest outstanding/accrued but not due for payment.Secured Loans

excluding depositsUnsecured Loans Deposits Total Indebtedness

Indebtednessatthebeginningofthefinancialyeari) Principal Amount 5,54,33,765.00 61,47,67,87,287.00 - 61,53,22,21,052.00ii) Interest due but not paid - - - -

iii) Interest accrued but not due - - - -

Total (i+ii+iii) 5,54,33,765.00 61,47,67,87,287.00 - 61,53,22,21,052.00Change in Indebtedness during the financial year* Addition 2,00,00,00,000.00 11,67,23,87,634.00 - 13,67,23,87,634.00* Reduction 1,59,57,966.00 - - 1,59,57,966.00Net Change 1,98,40,42,034.00 11,67,23,87,634.00 - 13,65,64,29,668.00Indebtedness at the end of the financial yeari) Principal Amount 2,03,94,75,799.00 73,14,91,74,921.00 - 75,18,86,50,720.00ii) Interest due but not paid - - - -iii) Interest accrued but not due - - - -

Total (i+ii+iii) 2,03,94,75,799.00 73,14,91,74,921.00 - 75,18,86,50,720.00

VI. REMUNERATION OF DIRECTORS AND KEY MANAGERIAL PERSONNEL-A. Remuneration to Managing Director, Whole-time Directors and/or Manager: -NIL-Sl.No.

Particulars of Remuneration Name of MD/WTD/ManagerTotal AmountP. T. Joseph Job Michil P. Rajendran

1 Gross salary(a) Salary as per provisions contained in section 17(1) of the Income-taxAct,1961 2,40,000.00 1,20,000.00 17,92,790.00 21,52,790.00

(b)Valueofperquisitesu/s17(2)Income-taxAct,1961 - - - -(c)Profitsinlieuofsalaryundersection17(3)Income-taxAct,1961-Bonus - - - -

2 Stock Option - - - -3 Sweat Equity - - - -4 Commission

-as%ofprofit - others, specify - - - -

5 Sitting fee 89,000.00 11,500.00 - 1,00,500.00Mobile Allowance 1,525.00 4,500.00 - 6,025.00Onam Advance 12,000.00 12,000.00 - 24,000.00Total (A) 3,42,525.00 1,48,000.00 17,92,790.00 22,83,315.00Ceiling as per the Act

B. Remuneration to other directors: A. Independent DirectorsSLNo.

Name Fee for attending Board / Committee Meetings

Onam Allowance Others, please specify Total

NoneTotal (1) NIL

B. Other Non-Executive DirectorsSl.No.

Name Fee for attending Board/Committee Meetings

Onam Advance Mobile Allowance Total

1 Shyla P. A. 4,400.00 - - 4,400.002 Biju Mattappallil 7,800.00 12,000.00 16,500.00 36,300.003 M. M. Francis 15,200.00 12,000.00 16,500.00 43,700.004 Tomy K. Thomas 6,600.00 12,000.00 18,000.00 36,600.005 Shereef P. M. 10,400.00 12,000.00 19,500.00 41,900.006 Pappanamcode Sreeni 12,600.00 12,000.00 12,000.00 36,600.00

19

7 Sankaran K. 11,600.00 12,000.00 16,500.00 40,100.008 Thomas P. Kuruvilla 15,200.00 12,000.00 18,000.00 45,200.009 Justin John 10,800.00 12,000.00 18,000.00 40,800.00

10 Kowsigan A. 800.00 - - 800.0011 Deepa Devi S. 1,200.00 - - 1,200.00

Total (2) 3,27,600.00Total (B) = (1 + 2) 3,27,600.00Total Managerial Remuneration* 26,10,915.00Overall Ceiling as per the Act N. A.

* Total Managerial Remuneration being A + B

C. REMUNERATION TO KEY MANAGERIAL PERSONNEL OTHER THAN MD/MANAGER/WTD: - N I L -

Sl. No.

Particulars of Remuneration Key Managerial Personnel

Total

Manoj Kumar (Company Secretary)

1 Gross salary 10,74,140.00 10,74,140.00(a)Salaryasperprovisionscontainedinsection17(1)oftheIncome-taxAct,1961 - -(b)Valueofperquisitesu/s17(2)Income-taxAct,1961 - -(c)Profitsinlieuofsalaryundersection17(3)Income-taxAct,1961 - -

2 Stock Option - -3 Sweat Equity - -4 Commission - -5 Others, please specify - - Total 10,74,140.00 10,74,140.00

VII. PENALTIES/PUNISHMENT/COMPOUNDING OF OFFENCES:

There were no penalties/punishments/compounding of offences for the year ending 31st March 2015.

Type Section of the Companies Act

Brief Description

Details of Penalty/ Punishment/ Compounding fees imposed

Authority [RD / NCLT/

COURT]

Appeal made, if any (give

Details)

A. COMPANYPenalty Punishment Compounding

B. DIRECTORSPenalty Punishment Compounding

C. OTHER OFFICERS IN DEFAULTPenalty Punishment Compounding

By order of the Board

Sd/-Thrissur Adv. Peelipose Thomas 30/11/2016 Chairman [DIN:07682129]

20

MANAGEMENT DISCUSSION AND ANALYSIS REPORT

Economic scenarioGlobal growth remained moderate, with uneven prospects across the main countries and regions. Two important financial marketdevelopments that stood out during the year 2014 was the appreciation of the US dollar and the sharp fall in global commodity prices. On a real trade weighted basis, the US dollar gained by 7.1% in 2014, stronger than expected economic growth and expectations regarding the normalization of monetary policy by the US Federal Reserve supported the currency vis-a-vis its major trading partners.

India witnessed a slow economic recovery process, helped by a sharp slide in inflation tomultiyear lows and improving exportmomentum in line with rising demand from the US, a major trading partner. Subsequent to General Elections in May 2014 the Indian economy started FY 2014-15 on a positive note with improvement in market and business sentiments. Thereafter, economic output was moderately increased due to supportive global commodity price environment along with gradual improvement in governance. Barring agriculture, mining and trade, transport and communication services and all other sectors shown improvement.

India’s economic growth rate noted good growth expansion in the year 2014-15 with 5.5% compared to 4.7% of 2013-14. India’s fiscal deficit during 2014-15 fiscal year narrowed to 4.1% ofcountry’sGDP.Thedeficitwaslowerthanthedownwardlyrevisedestimate of 4.6 percent, mainly on account of curbs on Government expenditure.Theinflationshowedsignsofrecedingwithaveragewholesale price index (WPI) inflation falling to amulti year lowof4.82percentduring2013-14compared to5.98percentoverthepreviousyear.Consumerpriceinflation,thoughhigherthantheWPI, has also exhibited signs of moderation with CPI (new-series) inflationdecliningfrom9.49percentduring2013-14toabout7.8per cent in 2014-15. Rupee to dollar exchange rate stood at `62.27 to one dollar at the end of FY 2014-15. Stock markets also posted improved performance during the year 2014-15 compared to last yearandtheNiftygained1896pointsor28%intheyearended31March 2015 (FY 2015). Financial performance Kerala State Financial Enterprises Ltd (popularly known as KSFE) continued to establish its position as leading MNBC of the country and the market leader in chitty business in Kerala. Company continued to play amajor role in the financial lives of people ofKerala. During the last 4 decades of operation the company has achieved a dominant market position in areas like personal loan,goldloan,housingloanetcinadditiontochitty,theflagshipbusiness of the Company. The Company has maintained a consistently rapid pace of growth, demonstrating its ability to scale up and to leverage on its well-established brand name.

TheCompanyhaspostedaprofitaftertaxof̀ 7072lakhsasagainst`5988 lakhs during the previous year. However, Gross incomeregistered an increase of 18 % at `1546 crores as against `1306 crores of previous year. Board of Directors have recommended a dividend of 20% on the paid up capital of the Company.OpportunitiesTheflagshipbusinessoftheCompany,chittyrecordedverygoodgrowth this year also. Since the extension of Chit Funds Act to Kerala, the industry is now well regulated and it has opened up high growth arena for the KSFE. KSFE chitties continued to be the most favoured savings option of Malayalees. This contributed to the business growth of the company. Company’s high denomination chitties are very popular among business class of Kerala and they are effectively using this to meet the fund requirement of their business. Majority of the chitty business of the company were continued to mobilise during campaign periods of Bhagya Varsha and Bhagya Shreyas. As Chitty has been excluded from the negative list of FEMA, now NRIs can join chitties in on their own and can make remittances from abroad. This opens an immense opportunity to the company to increase deposits and also necessitates designing of loan schemes to ensure effective deployment of funds. Company is designing innovative chitty schemes to suit the needs of NRIs.

The loan schemes of the company have also performed well during therecentyears.Thegrowthismainlyattributedtomodificationsintroduced in various loan schemes. Though volatility in gold prices is affecting gold loan portfolio, company could post satisfactory performance in this front during the year under review. Company’s personal loan product, RCL continued as most attractive in this market segment due to the reasonable rate of interest and lack of competition from banks. The growth in Chitty business, particularly high denomination chitties continued to offer good opportunity for NCL growth. The company is adding to its capacity to serve customers in a better way by adopting improved IT options. IT and IT enabled applications will play an important role in the future growth of the company.ThreatsThe economic condition from time to time will affect the chitty portfolio of the Company. The falling price of natural rubber is a cause of concern for the company. Though the company has achieved tremendous growth in chitty business and also in chitty related loan products during the past, the competition from new business houses entering into chitty business may increase in coming years. After initial hiccups since the extension of CFA into Kerala, now private sector companies have started registering chitties in large scale. Further, regulatory measures like increased service tax on chitty etc. is making this instrument of investment unattractive. The uncertainty about the tax rates In GST is also a cause of concern for the company. Company has to take steps for attracting and retaining the new generation customers by providing the best available services using most advanced technologies. Further, the regulatory controls introduced by the Governement on various sectors have also affected the business of the company.

The Company is facing stiff competition from commercial banks and NBFCs in retail loan segment and it is a threat for its advance portfolio particularly to Gold loan and personal loan schemes. The company has to train its staff well to meet the customer expectations and to improve the loan portfolio. The recent changes introduced in housing loan scheme, backed with good advertisement is giving good results.

Internal Control Systems and their adequacyThe internal control systems of the Company are commensurate with the size, scale and nature of its operation. The adequacy of the control system is examined by the Management at regular intervals and also by the Auditors. The internal auditors carry out audit at regular intervals to identify weaknesses if any, of the system and suggest improvements for better functioning. The progress of internal audit and the issues raised by the internal auditors on the operation of the Company are regularly discussed at the Audit Committee and Board meetings. However, many new measures are suggested for increasing the effectiveness and efficiencyofinternalaudit.Human Resources and the infrastructure developmentQuality manpower is the most important factor in the success of anyfinancialservicescompany.Thecompanyisimpartingregulartraining to its staff to develop a pro-customer attitude. Dynamic performance of any organization depends greatly on developing and maintaining an organizational structure and human resources capable of keeping pace with the changing business environment and ensuring staff continuity. The Company has inducted large number of young staff in various levels during the last year through PSC and this will definitely improve customer service, as thesepeople are well versed in computer and latest internet based services. Initiatives to strengthen the IT infrastructure and systems has also made good progress. For and on behalf of the Board of Directors, Sd/- Place:Thrissur ADV.PEELIPOSE THOMAS Date: 30.11.2016 CHAIRMAN (DIN : 07682129)

21

CORPORATE GOVERNANCE Company’s philosophy on corporate governanceCorporate Governance philosophy of the Company is based on the principles of equity, fairness, transparency, spirit of law and honest communication. Company believes that sound Corporate Governanceisvitaltoretainpublicconfidence,stakeholders’trustandensureefficientworkingandproperconductofthebusinessofthe Company. Development of Corporate Governance guidelines is a continuous process which evolves over a period of time and undergoes changes to suit the changing times and needs of the business, society and the nation.

Board of DirectorsThe composition of the Board has been in compliance with the Companies Act and Memorandum and Articles of Association of the Company. As on 31.03.2015 the Board of Directors of the Company comprised 14 Directors including Chairman and Managing Director. Except Managing Director the rest of the Directors are non-executive Directors. The Board of Directors has been functioning in a professional and transparent manner.

During the period from 01.04.2014 to 31.03.2015 the Board met on 14 occasions. The dates of Board meetings were:-06.05.2014, 21.05.2014, 25.06.2014, 13.08.2014, 29.08.2014, 20.09.2014,11.11.2014, 20.11.2014, 30.12.2014, 07.01.2015, 29.01.2015,12.02.2015,19.02.2015and20.03.2015.

Sl No

Name of Director No.of meetings held during the year (after initial appointment)

No.of meetings attended

1 P.T.Joseph Chairman 14 142 Adv.Job Michael Vice Chairman 14 133 Smt.S.Deepadevi Director 14 024 Smt.P.A.Shyla “ 14 095 Dr.Kowsigan.I.A.S “ 14 026 Sri.Tomy.K.Thomas “ 14 137 Sri.M.M.Francis “ 14 128 Sri.P.M.Shereef “ 14 129 Sri.Pappanamcode Sreeni “ 14 12

10 Sri.Thomas.P.Kuruvila “ 14 1411 Sri.K.Sankaran Master “ 14 1312 Adv.Justin John “ 14 1413 Sri.Biju Mattappallil “ 14 1414 Sri.P.Rajendran Managing

Director14 14

Audit Committee of the BoardThe Company has an independent Audit Committee in compliance with the provisions of Section 177 of the Companies Act, 2013. The Audit Committee provides direction to the audit functions and monitors the quality of Internal and Statutory audit. The responsibilities of the Audit Committee include overseeing the financial reporting process to ensure fairness, sufficiency andcredibility of financial statements, review of annual financialstatements before submission to Board, review of the adequacy of internal control systems and the internal audit function, review of compliance with laws, inspection of records and audit reports, reviewoffindingsofinternalauditanddiscussiononthescopeofaudit with external auditors.

The Audit Committee of the Company consisted four Directors; Smt. S.Deepadevi, Smt.P.A Shyla, Dr.Kowsigan.I.A.S and Sri.K.Sankaran Master were the members of the Committee during the period. A total of 03 meetings of the Audit Committee were held duringtheyearon11.11.2014,30.12.2014and09.02.2015.Detailsof attendance are given below;

Sl No

Name of Member No.of meetings held during the period and after

appointment

No.of meetings attended

1 Smt.S.Deepadevi 03 002 Smt.P.A.Shyla 03 033 Dr.Kowsigan.I.A.S 03 004 Sri.K.Sankaran Master 03 03

Disclosures

During the year, the Company did not enter into any material related party transactions with its directors or senior management ortheirrelativesthatwouldpotentiallyconflictwithandoradverselyaffect the interests of the Company and against the provisions of The Companies Act. The Company has complied with all the directives issued by all statutory authorities. No penalties and strictures were imposed on the Company by any of the regulatory authorities viz; Reserve Bank of India, Registrar of Companies etc. for non-compliance with any laws, guidelines and directives during the year.

For and on behalf of the Board of Directors,

Sd/- Place:Thrissur ADV.PEELIPOSE THOMASDate: 30.11.2016 CHAIRMAN (DIN : 07682129)

INDEPENDENT AUDITOR’S REPORTToThe Members of Kerala State Financial Enterprises Limited

Report on the Financial Statements

We have audited the attached Balance Sheet of the KERALA STATE FINANCIAL ENTERPRISES LIMITED, THRISSUR as at 31st March, 2015,theProfitandLossAccountandalsotheCashFlowStatementfortheyearended,andthesummaryofsignificantaccounting policies and other explanatory information on that date annexed thereto in which are incorporated the accounts of the Head Office, Thrissur Regional Office and the 66 branchesunderitauditedbyusandother6RegionalOfficesnamelyKannur,Kozhikode, Ernakulam, Kottayam, Kollam and Thiruvananthapuram andthe441branchesundertheseRegionalofficesauditedbytheRegional/Branch Auditors. The company is a fully owned Government Company registered undersection619oftheCompaniesAct,1956andisgovernedbythe rules in the Miscellaneous Non-Banking Companies (Reserve bank)Directions, 1977 framedby theReserveBankof India forMiscellaneous Non-Banking Financial Institutions predominantly engaged in Chit business. The audit is conducted as per the Act and Rules governing the company.

Management’s Responsibility for the Financial Statements

The Company’s Board of Directors is responsible for the matters stated in Section 134(5) of the Companies Act, 2013 (“the Act”) with respecttothepreparationofthesefinancialstatements,thatgiveatrueandfairviewofthefinancialposition,financialperformanceandcashflowsofthecompanyinaccordancewiththeaccountingprinciples generally accepted in India, including the Accounting Standardsspecifiedundersection133oftheAct,readwithRule7 of Companies (Accounts) Rules, 2014. This responsibility

22

also includes maintenance of adequate accounting records in accordance with the provisions of the Act for safeguarding of the assets of the company and for preventing and detecting frauds and other irregularities; selection and application of appropriate accounting policies; making judgements and estimates that are reasonable and prudent; and the design, implementation and maintenance of adequate internal financial controls that wereoperating effectively for ensuring the accuracy and completeness of the accounting records, relevant to the preparation and presentationof thefinancialstatements thatgivea trueand fairview and are free from material misstatement, whether due to fraud or error.

Auditor’s Responsibility

Our responsibility is to express an opinion on these financialstatements based on our audit. We have taken into account the provisions of the Act, the Accounting and Auditing Standards and matters which are required to be included in the audit report under the provisions of the Act and Rules made there under. We conducted our audit in accordance with the Standards on Auditing specified under Section 143(10) of the Act. Those Standardsrequire that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether thefinancialstatementsarefreefrommaterialmisstatement.

An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements.The procedures selected depend on the auditor’s judgment, including the assessment of the risks of material misstatement of thefinancialstatements,whetherduetofraudorerror.Inmakingthose risk assessments, the auditor considers internal financialcontrol relevant to the Company’s preparation of the financialstatements that give a true and fair view in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on whether the Company has inplaceanadequateinternalfinancialcontrolsystemoverfinancialreporting and the operating effectiveness of such controls. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of the accounting estimates made by Company’s Directors, as well as evaluating the overall presentationofthefinancialstatements.

Webelievethattheauditevidencewehaveobtainedissufficientand appropriate to provide a basis for our audit opinion in the financialstatements.

Basis for Qualified Opinion

We draw attention to Annexure-B of this report regarding:-

1. Accounting treatment of Auction Veethapalisa2. Classification of Advances.3. Suspense Misappropriation - Thiruvalla `67,29,573/-

(Dr.)4. Provision for Bad & Doubtful Debts.5. Provision for financial impact of fraud identified

during the year.6. Non-reconciliation of Inter Branch accounts ` 6,29,47,435/-

7. Non-reconciliation of transfer-in and transfer-out of Fixed Assets to & from branches/regional offices.

8. Application of NPA provision on facility wise instead of borrower wise.

9. Deposits accepted from the public are in excess of Guarantee provided by the Government of Kerala.

10. Confirmation and reconciliation of account balances.11. Variation in classification and disclosure requirement

under revised Schedule III of Companies Act, 2013.

12. Non-compliance of Accounting Standard.13. Understatement of interest income on account of

debiting interest waiver/rebates allowed to interest under OTS.

14. Migration Audit.15. Provision for interest on Overdue Short Deposit &

Chitty Security Deposits in trust.16. Non transfer of Profit to Chit Statutory Reserve under

Chit Funds Act, 1982.

Opinion

In our opinion and to the best of our information and according to the explanations given to us, except for effects of the matters describedintheBasisforQualifiedOpinionparagraphabove,thefinancialstatementgivetheinformationrequiredbytheActinthemanner so required and give a true and fair view in conformity with the accounting principles generally accepted in India, of the state of affairs of the Company as at 31stMarch2015,anditsProfit/Loss anditscashflowsfortheyearendedonthatdate.

Report on other Legal & Regulatory Requirements

1. As required by the companies (Auditor’s Report) Order, 2015 (“the Order”) issued by the central government of India in terms of sub-section (11) of section 143 of the Act, based on the comments of Branch and Regional Auditors’ Reports, we give in Annexure-A, a statement onthemattersspecifiedintheparagraphs3and4oftheorder to the extent applicable.

2. As required by Section 143(3) of the Act, we report to the extent applicable, that;

a) We have sought and obtained all the information and explanations which to the best of our knowledge and belief were necessary for the purposes of our audit.

b) Except for the effects of the matter described in the Basis forQualifiedOpinionparagraphaboveAnnexure-B,inouropinion, proper books of accounts as required by law have been kept by the company so far as it appears from our examination of those books.

c) The Balance Sheet, the Statement of Profit and Lossand Cash Flow Statement dealt with by this report are in agreement with the books of accounts.

d) Except for the effects of the matter described in the Basis forQualifiedOpinionparagraphaboveAnnexure-B,inouropinion, the aforesaid financial statements comply withtheAccountingStandardsspecifiedundersection133ofthe Act, read with Rule 7 of Companies (Accounts) Rules, 2014.

e) On the basis of written representations received from the directors as on 31st March 2015, and taken on record by theboardofdirectors,noneofthedirectorsaredisqualifiedas on 31st March 2015 from being appointed as a director in terms of section 164(2) of the Companies Act, 2013.

f) Thequalificationrelatingtothemaintenanceofaccountsand other matters connected therewith are as stated in the BasisforQualifiedOpinionparagraphabove Annexure-B.

g) With respect to the other matters to be included in the auditor’s report in accordance with Rule 11 of the Companies Rules (2014), in our opinion and to the best of our information and according to the explanations given to us:

i) The Company has not quantified the impact ofpendinglitigationsonitsfinancialpositionandnotdisclosedinitsfinancialstatement.

ii) The Company has made provision, as required under the applicable law or Accounting Standards, for material foreseeable losses, if any, on long term contracts.

23

iii) There has been some delay in transferring amounts, required to be transferred, to the Investor Education and Protection Fund by the company as given in Point No. 7(a) of Annexure-A to this report.

For Dhan&Co. Chartered Accountants FRN:000740S Sd/- G.Gouthaman B.Sc;FCA Date: 30-04-2016 (Partner) Place: Thrissur Membership No.020728

ANNEXURE-A TO THE AUDITOR’S REPORT(Referred to in paragraph 1 of our Audit Report dated 30-04-

2016 for the year ended 31-03-2015)1. Fixed Assets:

a) The company has maintained proper records showing full particulars including quantitative details and situation of fixedassets.However,recordingofidentificationnumberonthefixedassetsandproperaccountingofinter-branchor inter-regional transfers and their reconciliations are not done.

b) We are informed that the fixed assets have beenphysically verifiedduring the year by themanagement.However,intheabsenceofuniqueidentificationnumberonfixedassetsandthefixedassetregister,wearenotina position to comment on the accuracy of such physical verificationsystem.

2. Inventories: The company is a miscellaneous non-banking institution

doing chits as its prime business and hence does not hold any inventories.

3. In our opinion and based on Regional Auditors’ Reports and according to the explanation given to us, the company has not grantedanyloans,securedorunsecuredtocompanies,firmsor other parties covered in the register maintained under Sec 189oftheCompaniesAct.2013.

4. In our opinion and according to explanation given to us there is an adequate internal control procedure commensurate with the size of the company and the nature of its business with regard topurchaseof fixedassetand for theservicesrendered. The activities of the company do not involve purchase of inventories and sale of goods. During the course of the audit, we have not observed any continuing failure to correct major weakness in the above said internal control except:a) The internal audit system of the company is not up to date.

Noconcurrentverificationandcorrectionmechanism isprevalentinthecompanyatbranch/regional/headofficelevels.

b) Internal control needs to be strengthened in areas like door collection system, its follow up and regularization of suspense accounts, accounts with old outstanding balances etc.

5. The company has accepted deposit from public. The deposits are guaranteed by the Government of Kerala to the extent of `3,000 Crores. The existing guarantee is valid for a period of 10 years from 17-08-2012 vide GO (MS) No.182/2012/TD dated 24th September 2012. We are of the opinion that the deposits accepted by the company is out of the purview of the directives issued by the Reserve Bank of India and hence the provisions of Sections 73 to 76 of The Companies Act 2013 or any other relevant provisions of the Act are not applicable to the Company due to Kerala Government Guarantee for deposits in the company.

6. The central government has not prescribed the maintenance of cost records under sub-section (1) of section 148 of the

Companies Act, 2013.7. (a) According to the information and explanation given

to us, the company is regular in depositing undisputed amount payable in respect of Wealth Tax, Service Tax, TDS payable, Service charges and Guarantee Commission due to government of Kerala. Except in cases mentioned below, there were no arrears of undisputed statutory dues as on 31-03-2015 for the period of more than six months from the date they became payable.

Nature of Dues Amounts(`) Period to which the Amount Relates

Due Date Date of Payment

Investor Education & Protection Fund

1,000.001,000.00

36,600.0070,000.0070,000.0050,000.0050,000.0010,000.00

2005-062010-112012-132013-142013-142013-142013-142013-14

07-07-200521-07-201017-12-201211-11-201322-12-201307-03-201407-03-201411-06-2013

19-10-2015

Service Tax under Reverse charge Mechanism on service charges payable to government

11,45,00,000.00 2014-15 31-03-2015 `4.2 Crores on 03-11-2015.

`7.25 Crores on 05-01-2016.

Service Tax (Others)

11,824.00 2014-15 31-03-2015 Not paid before due date u/s 139(1)asperRO-Kollam Tax Audit Report.

(b) According to the information and explanation given to us, except in the following case of Interest Tax, there is no dues of Sales Tax, Wealth Tax, Service Tax, Customs Duty, Excise Duty, Cess and other statutory dues which have not been deposited on account of any disputes.

Nature of Dues Amount (`) Period to which the Amount

relates

Forum where the dispute is pending

Interest Tax under InterestTaxAct,1974

10,43,48,010 AY 2000-01 Special leave petition before Supreme Court of India

8. The company has no accumulated losses in the end of financialyearandhasnotincurredcashlossinthefinancialyearunder reportand the immediatelyprecedingfinancialyear.

9. The company has not defaulted in repayment of dues to any bank or financial institution. The company has not issuedany debentures.

10. In our opinion and as per explanation given to us, the company has not given any guarantee to the loan taken by othersfromBanksorotherfinancialinstitutions.

11. The term loans taken by the company were applied for the purpose for which those were obtained.

12. Based on the information and explanation given to us, a statement showing frauds detected during the year is attachedherewithAnnexure-1.Thefinancial impactof thesame is neither ascertained nor disclosed in the account.

For Dhan&Co. Chartered Accountants FRN:000740S Sd/- G.Gouthaman B.Sc;FC Date: 30-04-2016 (Partner) Place: Thrissur Membership No.020728

24

Annexure-B referred under Basis of Qualified Opinion of theAuditor’s Report dated 30-04-2016

1. Accounting treatment of Auction Veethapalisa `7,95,61,61,490.83

The auction veethapalisa amounting to `795,61,61,490.83 isgrouped under Current Liability (included in Chitty/Kuri under the head ‘Finance Payable’) in Note No. 6(a)(1) to Balance Sheet. This amount is inclusive of veethapalisa forfeited on default of prized chits which are required to be treated as “Income”asprescribedinKeralaChittiesAct,1975andClause18(c) of KSFE Chit Agreement. This is not in agreement with the technical guide on Accounting and Auditing of Chit Fund Business issued by the ICAI also. The non-recognition of auction veethapalisa in terminated chits as revenue is not in agreementwithAccountingStandard 9 and the guidancenote and accepted accounting principles. Further, the income portion with respect to undistributed auction veethapalisa on terminated chits, included in the above is not determined by the Company. Hence we are not in a position to express an opinion about the quantum of income to be recognized on the terminatedchittyaccounts inthefinancialstatementsanditsimpactontheprofitsofthecurrentyear.

2. Classification of Advances The company has classified all advances vide Note No. 24

amounting to `15118,21,35,959/- as advances consideredgood for which company is fully secured. The company has not furnished the details of value of securities as on 31-03-2015 against which the above advances are secured. In the absence of full particulars regarding nature of security held and value thereof as on date of Balance Sheet in respect of all advances and Prized subscribers’ dues and advances, we are notable tocommenton thecorrectnessof theclassificationmade as fully secured and its consequent requirement of provisioning.

3. Suspense Misappropriation – Thiruvalla `67,29,573/- The amount carried in the above said account represents a

misappropriation of Chit Installments by a collection agent of Thiruvalla Branch during 2012-13. The company has not made any provision for expected loss on account of the above misappropriation. We have not received any adequate evidence or details regarding steps taken by the company for the recovery of the above loss. Hence we are of the opinion that appropriate provision should be made in the accounts.

4. Provision for Bad & Doubtful Debts The provisioning for bad & doubtful debts is made by the

company on the basis of age and security as per Note 1.13 (b). In the absence of proper data base for security wise and age wise classification for all loans and advances includingdefaulted prized chitties, Revenue Recovery Debtors and debit balances in various accounts namely Removed Subscribers Contribution, Prize money payable and Piricheduppu accounts, we are unable to comment on the adequacy of provision made by the company in respect of bad and doubtful debts/advances.

5. Provision for financial impact of Fraud identified during the year

The company has not made any provision for financialimpact of fraud identified during the course of the yearwithan estimated amount of `196.85Lakhs(outofwhich`55.27 Lakhs recovered) together with unascertained loss on account of chitty inflation. Fraud identified and pending enquiry/litigation as furnished by the inspection and Audit Department statethatthefinancialimpactisyettobequantifiedfullyandthe company does not carry any provision for probable loss on account of the same.

6. Non Reconciliation of Inter Branch Accounts `86,29,47,435/- In Note No. 12, under ‘Other Current Assets’, a sum of

`86,29,47,435/-hasbeendisclosedunderInter-branchcurrent

account. This represents unreconciled balances between books of the various units, Regional Offices and the HeadOffice.Thecompanyisunabletofurnishtheparticularsoftheaforesaid un-reconciled amounts, due to which we are unable toquantify theeffecton thefinancialstatements for theyearended 31st March 2015.

7. Non Reconciliation of transfer-in and transfer-out of fixed assets to /from branches/regional offices

Transfer-in and Transfer-out of Fixed Assets between branches, branches toHeadOffice/ROhasnotbeen reconciledby thecompany. In the absence of full details, the consequent effect on the value of assets and amount of depreciation thereon is unascertainable as on the date of balance sheet.

8. Application of NPA provisions facility wise instead of borrower wise

As per the accounting policy, the company is recognizing the interest income in respect of loans and advances on accrual basis. However, interest on advances in case of advances (except NCL) where installment/interest is overdue for more than six months, the income is recognized on realization and such advances will be categorized as NPA. For NCL, if interest isoverdueformorethansixmonths,thesamewillbeclassifiedas NPA. Thus the company is classifying the defaulted facility alone as NPA. Application of NPA provision on facility wise will result in a situation where the same borrower will be having both non-performing and performing advances. In the absence of borrower wise particulars furnished by the company, we are unable to quantify the amount involved, if any, under NPA.

9. Deposits Accepted from Public is more than the Guarantee provided by the Government of Kerala

The guarantee to the extent of `3,000/- Crores has been provided by the Government of Kerala for 10 years with effect from 17-08-2012 vide Government Order (MS) No.182/2012/TD,dated24-09-2012.However,forthecurrentyearthetotaldeposit shown under the head is `5,103.19Crores.Abreakupof the amount is shown below;

Sl.No.

Particulars As on 31-03-2015

I Fixed Deposits from Public 4489,51,12,243ii Sugama Deposits 475,47,08,171iii Short Term Deposit 138,21,65,701

TOTAL 5103,19,86,115

The total deposit from public is in excess of `2,103.19Crores and the company has not received any sanction from Government of Kerala for enhancing the guarantee limit of `3,000 Crores. The company’s classification of `5,103.19Crores under ‘Guaranteed by Government of Kerala” head is against the facts and available records with the company.

10. Confirmation and Reconciliation of Account Balancesa) The balances in personal accounts (except bank

accountbalances)aresubject toconfirmation fromtheconcerned parties.

b) ‘Loans Repayable on Demand’ from banks under Note No. 5(a)(1), Loan from Banks (Against Lien on Treasury Deposits) under Note No. 5(a)(2) and Interest accrued on deposits are subject to confirmation andreconciliation. Further, there are cases of unadjusted items remaining outstanding from long back in the reconciliation statements; the consequent effect thereon is unascertainable.

c) Advances under Hire purchase, Gold Loan, New Chitty Loan, New Housing Finance Scheme, New Fixed Deposit Loan, Reliable Customer Loan, Consumer/Vehicle Loan, Sugama Akshaya Overdraft, Amount recoverable from prized subscribers, Revenue Recovery Debtors, all suspense accounts, Bhadratha Social Security Scheme, Finance payable, Trade receivables etc. are subject

25

to confirmation from respective parties/reconciliationand the impact thereof on the financial statements ispresently unascertainable.

d) The schedule of prized/auction subscribers, non-prized subscribers balances, Piricheduppu, Foreman Commission, Default Interest etc. are not extracted from personal ledgers/Annual Statements(AS) or from the General Ledgers. The schedule of NPA-NHFS, removed subscribers’ contribution, Chitty pass book loan, Prize money payable, Revenue Recovery Debtors, Revenue Recovery Suspense, Collection Received in advance and General Suspense Account in certain branches also do not tally with the amounts recorded in the general ledger.

e) The amount shown in Note No. 27 of `1,26,08,945/-andNote No. 28a) of `17,574/- regarding Revised Bhadratha Social Security Scheme and Bhadratha Social Security Scheme respectively are subject to confirmationand reconciliation, the effect of which on accounts is unascertainable.

11. The company has not complied with;a) The practice followed by the company is that the

registrationsofchitsaremadeafterrealisationofthefirstinstallment completely. However, as per the Auditor’s Report of some of the Regional Auditors, some of the chits are registered even on the strength of cheques before it is honoured and without reaching the full subscription of tickets.

b) The full and comprehensive conditions of following ‘Know your Customer’ and ‘Anti Money Laundering’ guidelines framed by the Reserve Bank of India.

c) Thefullandcomprehensiveclassificationanddisclosurerequirements of Schedule III of Companies Act. Few non-compliances are enumerated below:

i) Separate classification of interest accrued onfixeddepositbetweeninterestaccruedanddueand interest accrued but not due.

ii) Classificationanddisclosuresregarding;(a) Loans & advances into current & non-

current.(b) Trade receivables outstanding for more than

six months and others.

12. Non Compliance of Accounting Standards Non-compliance of Accounting Standard 9 on Revenue

Recognition in respect of Auction Veethapalisa Forfeited on defaultedprizedchitsrununderKeralaChittiesAct,1975.Theparticulars of these amounts are not furnished by the company and hence we are unable to quantify the amount involved on thisaccountanditseffectsonthefinancialstatements.

13. Understatement of Interest Income by debiting Interest waiver to defaulters under One Time Settlement procedureIn the books maintained by Revenue Recovery Department, there is an account head “OTS/Adalath Interest Waiver Account” with a balance of `91,070/-whichhasbeensetoffwith “Interest Received Account” on consolidation. Further, there is a total debit of ̀ 2,25,58,281/- in the “Interest Received Account” in the books maintained by Revenue Recovery department. This debit includes interest waived under One Time Settlement scheme and accounts settled through Adalaths conducted by the district legal service authority. On ourverification,wenoticedthatwaiverofInterestwhichhasbeen recognized as income in earlier years is also debited to this account. Non segregation of such interest and not presenting it as a separate head of expense in the Profit& Loss account has resulted in understatement of interest income of the current year. This is not in consonance with paragraph 12 of Accounting Standard 5 of the Companies

Accounting Standard Rules. In view of large number of transactions in this account, we are not able to quantify its impactonfinancialstatements.

14. Migration Audit The company is in the process of moving to the Core based

accounting system. It is reported that the company has no policy to conduct migration audit and for discrepancies identified. The impact on datamigration and its consequenteffect on the financial statementsdue to conversionof semicomputerized branches to fully automated computerized platform is unascertainable especially in the case where migration audits are pending as on balance sheet date.

15. Provision for interest on overdue Short Term Deposits & Chitty Security Deposits in Trust

No provision is made for interest applicable on overdue short-term deposit and ‘Chitty Security Deposit in Trust’ after termination date. We further report that, company has not furnished requisite information for ascertaining the amount of provision to be made and hence we are unable to quantify the sameanditseffectinthefinancialstatementofaccounts.

16. Non transfer of Profit to Chit Statutory Reserve under Chit Funds Act, 1982

As per section 8(3) of The Chit Funds Act, 1982, everyCompany carrying on chit business shall create and maintain aReserveFundandshall,outofthebalanceofprofitofeachyearasdisclosedinitsProfitandLossaccount&beforeanydividend on its shares is declared, transfer to such Reserve Fund,asumequaltonotlessthan10%ofsuchprofit.Inviewof large number of chits run by the company under both Kerala ChittiesAct,1975andChitFundsAct,1982,thecompanyhasnotquantifiedtheamountofprofitderivedfromchitsrunningunder Chit Funds Act, 1982 and hence the transfer to thisReserve Fund was not made.

For Dhan&Co. Chartered Accountants FRN:000740S Sd/- G.Gouthaman B.Sc;FCA Date: 30-04-2016 (Partner) Place: Thrissur Membership No.020728

Annexure-1

26

Summary of Fraud/Misappropriation cases detected by internal audit for the year 2014-2015

No. File No. Name of Branch (Code) Details of the Case

Estimated amount of Fraud/ Misappropriation.

Remarks

1. 6901/6/2014/IA&V/HO Pavaratty (172)

Misappropriation of Door Collection committed by Agent Sri. Anto T Jose.

`248843/- Loss recovered.Service of agent terminated.

2. 6901/7/2014/IA&V/HO KottayamMain(009)

Payment of APSTC before realizing the collection Cheque.ResponsibleofficialsareSri.JaimonJoseph (3426), Assistant Manager and Sri. Rajendran Pillai T (1812), Branch Manager.

`95000/-Reported to recover the loss from concerned employees. File under processing at P&HR Dept.

3. 6901/8/2014/IA&V/HO

Padinharethara (428)

Creation of huge liability by violating thenormsbySri.MuhammedShafi(2485), Manager.

Not estimatedThe manager was suspended from service and now reinstated after reversion.

4. 6901/9/2014/IA&V/HO Alappuzha II (068)

Misappropriation of cash by company employeesSri. Noufal B (3266) Assistant Manager, Sri. Sajeeb A (4857) and Sri.ShanavasS(3961),Specialgrade Assistants and Sri. Haris K S (6934),PTS.

`63567/- The responsible employees were suspended.

5. 6901/10/2014/IA&V/HO Nenmara(197)

Releasing the Security property without closing the liability by Smt. Indira M S (3384), Assistant Manager and Sri. Prasannakumarm V (2750), Manager.

`100900/- Under RR proceedings.

6. 6901/11/2014/IA&V/HO Thrissur Main (001)

Improper acceptance of change of security bySri. Sreeramachandran T (1314), Sri. Gopikrishnan P N (2804) & Smt. NithaPaul(6191).

`778000/- Under RR proceedings.

7. 6901/12/2014/IA&V/HO Kallambalam (217)

Registration of Chitties violating Chit Fund Act by Sri. Ajayakumar J (777), Manager.

Not estimated The manager was suspended prior to retirement.

8. 6901/13/2014/IA&V/HO

Thiruvananthapuram Main (002)

Violation of rules and procedures in operating Sugama A/c by Smt. Kusalakumary (805), Manager.

`54000/- File is under processing at P&HR Dept.

9. 6901/14/2014/IA&V/HO Kadappakkada (067) Irregular transaction in SAOD by Sri.

George D (1020), Deputy Manager. `84355/-Sri. George, Deputy Manager is under suspension. File under processing at P&HR Dept.

10. 6901/15/2014/IA&V/HO Vyttila (114)

Misappropriation of door collection from various subscribers by the agent Sri. Makesh M S.

`1279171/-Agent was terminated and the case is under Police investigation.

11. 6901/16/2014/IA&V/HO

Kollam Beach Road (181)

Irregular transaction in SAOD by Branch Manager Smt. Sheeba N K (2284) and other company staff.


12. 6901/17/2014/IA&V/HO Edappal (080) Unauthorized releasing of pledged

security. No loss.Terminated the responsible Ex-service Assistant. Case settled.

13. 6901/18/2014/IA&V/HO Pandikkad(398)

Lapses in accepting security property by Manager Sri.Muhammed Nottithodi (1503)

No loss. Thedefectsrectified.

14. 6901/19/2014/IA&V/HO Kakkanad (207) Holding of abnormal number of

Chitties by EX-Service KSFE staff No loss. Directed to terminate the service of the Ex-Service staff.

15. 6901/2/2015/IA&V/HO

Thrissur-V (ST Nagar) (175)

Creation of liability by Sri. Muhammed Rafeek on forged document.

`9422759/- Case is under Police investigation.

16. 6901/4/2015/IA&V/HO Uppala (270)

Creation of liability by impersonation, during the period of Sri. Yahiya P (2572), Manager.

`725000/- Amount remitted.

27

17. 6901/5/2015/IA&V/HO Alappuzha-II (068)

Procedurallapse–Unidentifieddebtin bank reconciliation statement.Responsible employees areSri. Manojkumar M B (1523), Manager,Sri. Sabu G (1130), Manager,Smt.AnnieVP(895),AssistantManager,Sri. Noufal B (3266), Assistant Manager,Sri. Raju T (2575), Assistant Manager andSmt. Geetha (2710), Assistant Manager.


18. 6904/02/2014/IA&V/HO Nileswaram (372)

Irregularities in sanctioning of loans, acceptance of property security and violation of norms by Sri. Baburaj K (2651), Manager.

Not estimated File is under processing at P&HR Dept.

19. 6904/03/2014/IA&V/HO TVM Main (002)

Allegation by Sri.Santhoshji Power of Attorney of Smt. Prabha K J against various B/Ms acting in collusion, trapping subscribers and depriving of their property.

Complaint is baseless.

Proper reply sent to complainant.

20. 6904/04/2014/IA&V/HO

Statue (TVM Evening) (163)

Complaint by Smt. Valsalakumari K against Sri. Pradeep Kumar K (3127), Assistant Manager regarding the assignment of Chitty without properverification.

`110000/- Sri. Pradeep Kumar is under suspension and recovery from him is under processing.

21. 6904/05/2014/IA&V/HO Kattakkada (185)

Alleged misuse of Power of Attorney executed by Smt. Premalatha in favour of her brother.

No loss to company.

File is under processing at P&HR Dept.

22. 6904/06/2014/IA&V/HO Vadayattukotta (055)

Lapses & Violation of procedures. ComplaintfiledbySmt.Sasivarshabefore the Hon’ble CDRF, Kollam against KSFE. Responsible employees are SriUnnikrishnaPillai(1963),Assistant (retired still continuing),Sri Asad M (2654), Assistant Manager, Smt. Anithakumary Pillai (1648), Retired Manager and Sri Sreekumar V (1357), Manager.

`237850/-Plus Interest.

Court verdict was against Company and directed to remit the loss amount by concerned employees. Proportionate amount recovered from the retired employee.

23. 6904/07/2014/IA&V/HO

Kozhikode Evening (242)

Misappropriation of door collection committed by Agent Sri. Ramesh Kumar.

`4315133/- Settled.

24. 6904/08/2014/IA&V/HO Ponnani (216)

Complaint by Sri. Mohammed Ali A P, misleading him to believe that 3rd party equitable mortgage was created as security for prize money payment.

`1800000/-.Complaint is baseless. Revenue recovery initiated and agent was terminated.

25. 6904/10/2014/IA&V/HO Charumoodu (245)

Procedural violation in Chitty auction, complaint lodged by Smt. Bency John.

No loss. Complaint is baseless.

26. 6904/12/2014/IA&V/HO

TVM Main (002)TVM Fort (027)

Complaint from various persons against Sri. Pradeep Kumar (3127), Assistant Manager under suspension.

No loss.Sri. Pradeep Kumar is under suspensionandfileunderprocessing at P&HR Dept.

27 6904/13/2014/IA&V/HO Kollam Main (005)

Complaint against Branch Manager relating to prize money payment without considering the default in other KSFE branches.

No loss. Default cleared and case settled.

28 6904/15/2014/IA&V/HO Njarakkal (147)

Complaint by Smt. Sabeena Abraham – Irregularities of Chitty Auction. Responsible employees areSri.JaionPinhero(3839),SpecialGrade Assistant,Sri. Joshy AK (2830), Assistant Manager and Smt. Rosily KJ (1146), Branch Manager.

No loss to Company.

File is under processing at P&HR Dept.

28

29 HEAD OFFICE

As per Memo Ref. No. 505/MD dated 14.08.2014,Sri. Sarath Chandran (Gm-Finance) has committed misconduct in raising false TA/DA claims and misappropriating company fund by drawing undue TA/DA.

`54,448

Sri. Sarath Chandran was dismissed from service and recovery from him is under process.

Total `1,96,85,018

CHITTY INFLATION 2014-15

1 6918/42/2014/IA&V/H.O.

Malayinkeezhu Branch (037) ChittyInflation Not Estimated

Directed to Substitute the Tickets

2 6918/44/2014/IA&V/H.O. Oyoor Branch (282) ChittyInflation Not Estimated


3 6918/45/2014/IA&V/H.O.

Ernakulam Main Branch (010) ChittyInflation Not Estimated


4 6918/46/2014/IA&V/H.O.

Manacaud (TVM) Branch (248) ChittyInflation Not Estimated


5 6918/47/2014/IA&V/H.O

Balaramapuram Branch(109) ChittyInflation Not Estimated


6 6918/48/2014/IA&V/H.O.

Mundakkayam Branch (258) ChittyInflation Not Estimated


7 6918/49/2014/IA&V/H.O.

East Kallada Branch (288) ChittyInflation Not Estimated


8 6918/50/2014/IA&V/H.O.

Meppadi Branch (205) ChittyInflation Not Estimated


9 6918/51/2014/IA&V/H.O.

Pappanamcode Branch (153) ChittyInflation Not Estimated


10 6918/52/2014/IA&V/H.O.

Peroorkkada Branch (153) ChittyInflation Not Estimated


11 6918/53/2014/IA&V/H.O.

Ponkkunnam Branch (174) ChittyInflation Not Estimated


12 6918/54/2014/IA&V/H.O. Karakulam(392) ChittyInflation Not Estimated


13 6918/55/2014/IA&V/H.O.

Press Club Road Branch (281) ChittyInflation Not Estimated


14 6918/56/2014/IA&V/H.O

Palakkad II Branch (168) ChittyInflation Not Estimated


15 6918/57/2014/IA&V/H.O.

Vellarada Branch (107) ChittyInflation Not Estimated


16 6918/58/2014/IA&V/H.O.

Valakom Branch (353) ChittyInflation Not Estimated


17 6918/59/2014/IA&V/H.O.

Pattambi Branch(178) ChittyInflation Not Estimated


18 6918/60/2014/IA&V/H.O.

Kozhinjanpara Branch(294) ChittyInflation Not Estimated


19 6918/61/2014/IA&V/H.O.

Palakkad Main Branch(003) ChittyInflation Not Estimated


20 6918/62/2014/IA&V/H.O.

Kundara-II Branch(405) ChittyInflation Not Estimated


21 6918/63/2014/IA&V/H.O.

Kottayam Main Branch(009) ChittyInflation Not Estimated


29

THE KERALA STATE FINANCIAL ENTERPRISES LIMITED, THRISSUR-680 020Corporate Office, ‘Bhadratha’, Museum Road, Thrissur - 680020

CIN:-U65923KL1969SGC002249BALANCE SHEET AS AT 31st MARCH 2015

(Amount in ` )

PARTICULARS Note No: As at 31st March, 2015 As at 31st March, 2014I EQUITY AND LIABILITIES

1 Shareholders Funds

a. Share Capital 2 20,00,00,000 20,00,00,000

b. Reserves and Surplus 3 4,24,95,27,617 3,59,62,65,710

2 Non-Current Liabilities

a. Long Term Provisions 4 57,40,46,152 52,31,45,487

3 Current Liabilities

a. Short Term Borrowings 5 75,18,86,50,720 61,53,22,21,052

b. Other Current Liabilities 6 1,04,59,18,28,842 91,24,47,33,353

c. Short Term Provisions 7 36,00,02,076 28,82,27,358

TOTAL 1,85,16,40,55,407 1,57,38,45,92,960 II ASSETS

1 Non-Current Assets a. Fixed Assets

(i) Tangible Assets 8 24,64,74,850 28,18,89,393

(ii) Intangible Assets 8 30,83,493 37,13,971

2 Current Assets a. Inventories 9 1,50,89,064 1,53,39,414

b. Cash and Cash Equivalents 10 30,97,41,33,596 25,44,46,95,913

c. Short Term Loans and Advances 11 1,51,26,95,64,866 1,29,80,96,20,659

d. Other Current Assets 12 2,65,57,09,538 1,82,93,33,610

TOTAL 1,85,16,40,55,407 1,57,38,45,92,960

SignificantAccountingPolicies Note 1

Notes to Financial Statements Note 2-34

As per our report dated 30.04.2016 For and on behalf of the Board For DHAN & Co DIRECTORS Chartered Accountants FRN: 000740S P.T.Joseph Sd/- Chairman Sd/- Joshi Paul Veliyath Sd/- G. GOUTHAMAN B.Sc; FCA Managing Director Partner (Membership No: 020728) P.A. Shyla Sd/- Director

K. V Jayaprakasan Sd/- General Manager(Finance)I/C Place :Thrissur

Date : 06 - 04 - 2016 Manojkumar V.R. Sd/- Company Secretary

30


CIN:-U65923KL1969SGC002249STATEMENT OF PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH, 2015

(Amount in ` )

PARTICULARS Note No: As at 31st March, 2015 As at 31st March, 2014I Revenue from Operations 13 14,36,50,35,324 12,16,02,93,890II Other Income 14 1,09,77,68,036 89,47,88,633III Total Revenue (I+II) 15,46,28,03,360 13,05,50,82,523

IV EmployeeBenefitsExpenses 15 3,94,63,29,351 3,63,22,93,832Finance Cost 16 6,30,51,92,469 5,20,56,31,359Depreciation and Amortization 8 13,79,83,089 8,95,42,667Other Expenses 17 3,04,15,42,272 2,41,76,98,717Total Expenses (IV) 13,43,10,47,181 11,34,51,66,575

V Profit before Exceptional and Extraordinary Items and Tax (III-IV)

2,03,17,56,179 1,70,99,15,948

VI Less: Exceptional Items - Prior Period Items 18 30,08,266 15,21,008 VII Profit before Extraordinary Items and Tax (V-VI) 2,02,87,47,913 1,70,83,94,940 VIII Extraordinary Items - - IX Profit before Tax (VII-VIII) 2,02,87,47,913 1,70,83,94,940 X Tax Expense

1) Current Tax - For Current Period 1,39,06,07,000 1,10,32,08,000 - For Previous Period (6,90,81,122) 62,96,5802) Deferred Tax - -

XI Profit for the Period from Continuing Operations (IX-X)

70,72,22,035 59,88,90,360

XII Profit/(Loss)fromDiscontinuingOperationsXIII Tax Expense of Discontinuing OperationsXIV Profit/(Loss) from Discontinuing operations (after Tax)

(XII-XIII)XIII Profit After Tax for the Period 70,72,22,035 59,88,90,360 XIV Earnings per Equity Share (Face Value of ` 100 each)

(1) Basic & Diluted 354 299

SignificantAccountingPolicies Note 1

Notes to Financial Statements Note 2-34

As per our report dated 30.04.2016 For and on behalf of the Board For DHAN & Co DIRECTORS Chartered Accountants FRN: 000740S P.T.Joseph Sd/- Chairman Sd/- Joshi Paul Veliyath Sd/- G. GOUTHAMAN B.Sc; FCA Managing Director

Partner (Membership No: 020728) P.A. Shyla Sd/- Director

K. V Jayaprakasan Sd/- General Manager(Finance)I/C Place : Thrissur


31

NOTE - 1THE KERALA STATE FINANCIAL ENTERPRISES LIMITED, THRISSUR 680 020

CIN:-U65923KL1969SGC002249NOTES TO FINANCIAL STATEMENTS FOR THE YEAR 31st MARCH, 2015

NOTE 1: Significant Accounting Policies

1 Basis of Preparation of Financial StatementsThefinancialstatementsarepreparedonaccrualbasisofaccounting

on a going concern basis under the historical cost convention and in accordance with the provisions of the Companies Act, 2013 and Accounting Standardsspecifiedundersection133of theAct readwithRule7of theCompanies(Accounts)Rules,2014.Accountingpoliciesunlessspecificallystated to be otherwise, are consistent and in consonance with generally accepted accounting principles.

2. Use of EstimatesThepreparationoffinancialstatementsrequiresmanagementtomake

judgements, estimates and assumptions that affect the reported amount of assets and liabilities, disclosure of contingent liabilities on the date of thefinancialstatements, the reportedamountsof incomesandexpensesand notes thereto during the year. Contingencies are recorded when it is probable that a liability will be incurred and the amounts can reasonably be estimated. Difference between the actual results and estimates are recognised in the period in which the results are known/materialised.

3. Fixed Assets and Intangible Assets

a. Fixed Assets are stated at cost less accumulated depreciation and impairment losses, if any. Cost of Assets comprises of purchase price and directly attributable cost of bringing the assets to working condition for its intended use, including borrowing cost and incidental expenditure incurred up to the date when the assets are ready to use.

b. The expense incurred on cost of Servers, Computer & Accessories and Basic Software is classified separately under the head ‘DataProcessing Equipments’, ‘End User Devices’ and ‘Software’.

c. Intangible Assets are stated at cost less accumulated amortisation and impairment loss, if any.

4. Depreciation and Amortisation

a. Depreciation on tangible assets is provided to the extent of depreciable amount on Written Down Value method (WDV) based on useful life specified inSchedule ll of theCompaniesAct,2013after retainingresidual value of 5% of the original cost of the assets. If the remaining usefullifeofanassetisNIL,theentirecarryingvalue(upto95%ofcostofasset)hasbeenchargedtocurrentyearProfit&LossaccountaspertheMCAnotificationno:GSR627(E)dated29thAugust,2014.

b. Intangible Assets are amortised over their useful life not exceeding 3 years.

5. InvestmentsLong Term Investments, if any, are stated at cost. A provision of

diminution is made to recognise a decline, other than temporary, in the value of Long Term Investments. Current assets are stated at lower of the cost or fair market value.

6. Revenue Recognition a. Finance Charges in respect of Hire Purchase Scheme, Mangalya

loan scheme and Housing Finance Scheme are apportioned over the period of loan by even spread method.

2014-15 2013-14

32

b. i. Accrual method of accounting for interest income on advances is

followed in all loans except on default on Prized Chitties. However, Advances (except NCL) where installment is overdue for more than six months falls under the category of NPA and Cash System of accounting is followed. Cash System of accounting is followed in NCLs which are treated as NPAs when the interest is overdue for more than six months.

ii. Foreman’scommissiononCompanysubstituted ticketsandprofiton such tickets gets recognized only at the time of termination of the chitty.

iii. Interest Income from Banks/Govt. Treasury is accounted on Accrual Basis.

7. Impairment of AssetsAn asset is treated as impaired when the carrying cost of the asset

exceedsitsrecoverablevalue.Animpairmentlossischargedtoprofitandlossaccountintheyearinwhichtheassetisidentifiedasimpaired.

In accordance with AS-28, as on the Balance Sheet date the company hasnotidentifiedanyassetasimpaired.

8. InventoryStock of Stationery is valued at cost.

9. Foreign Currency Transactions

a. Foreign currency transactions, if any, are realised at the exchange rate prevailing on the date of transaction.

b. Any gain or loss arising due to exchange difference on transactions andsettlementareaccountedintheProfitandLossStatement.

10. Retirement Benefitsa. DefinedContributionPlans

Company’s contributions in the year towards government administered ProvidentFundischargedtoProfitandLossAccountasincurred.

b. DefinedBenefitPlans

Company’s Contribution towards Gratuity made under the Group Gratuity Scheme with Life Insurance Corporation of India is determined based on the amounts recommended by LIC as per Actuarial Valuation.

Provision forOther retirement/post retirementbenefit in the formofLeave Encashment has been made on the basis of Actuarial Valuation.

11. Taxationa. Current tax comprises of provision for Income Tax and Wealth Tax as

determined in accordance with the provisions of the Income Tax Act, 1961andWealthTaxAct,1957.

b. Deferred Tax subject to consideration of prudence is recognised on timing difference between the taxable income and accounting income that originate in one period and are capable of reversal in one or more subsequent periods.

Deferred Tax assets are recognised only if there is reasonable/virtual certainty that they will be realised and are reviewed for the appropriation of their respective carrying value at each Balance Sheet date.

Deferred Tax Assets and Liabilities are measured using the Tax rates and tax Law that have been enacted or substantively enacted by the Balance Sheet date.

33

12. Provisions and Contingent Liabilitiesa. The company recognises a provision when there is a present

obligationasaresultofpasteventthatprobablyrequireanoutflowof resources and a reliable estimate can be made of the amount of the obligation. A disclosure for Contingent Liability is made when there is a possible obligation or a present obligation that may, but probablywill not, requireanoutflowof resources.When there isapossibleobligationorpresentobligationthatthelikelihoodofoutflowof resources is remote, no provision or disclosure is made.

b. The provisioning norms prescribed by RBI to Non-Banking Financial Companies are not applicable to the Company by virtue of being a fully state owned Miscellaneous Non-Banking Company. The company has made provision for bad and doubtful debts in respect of RR debts as follows:

Outstanding upto 2 Years 10%Outstanding for more than 2 years but less than 3 years• On Personal Securities 100%• On Other Securities 20%• Landed Property 20%

More than 3 years but less than 5 years• On Personal Securities 100%• On Other Securities 30%• Landed Property 30%

More than 5 years• On Personal Securities 100%• On Other Securities 50%• Landed Property 50%

While provision on debts involved in the RR proceedings has been estimated on the basis of age wise analysis, the provision in respect of NPA in NCL and other advances (except gold loan) are made at 40% of NPA amount as done in the previous year. The existing provision has been rearranged based on the outstanding balance under various lending schemes.

34

NOTE 19:

The previous year figures have been re-grouped/reclassified,wherever necessary to conform to the current year presentation.

NOTE 20: CORPORATE SOCIAL RESPONSIBILITY

As per section 135 of the Companies Act, 2013, company has to spendaspecificamountunderCorporateSocialResponsibilitypolicy.As per the Board Resolution No.6510 dated 06.05.2014 a separate Committee has formed to make decisions and they are Sri. P.T. Joseph (Chairman), Adv. Job Michael (Vice-Chairman) and (Directors) Smt. P.A. Shyla, Sri. P.M. Shereef, Sri. Pappanamcode Sreeni, Adv. Justin John, Sri. K. Sankaran Master. As such, during the year an amount of `99,840/-hasbeenpaidtoGovt.OldAgeHome,Ramavarmapuram.

NOTE 21: STAFF BENEFITS

Accounting Standard–15 “Employees Benefits”, the disclosures asdefinedintheAccountingStandardaregivenbelow:

a) Group Gratuity Cash Accumulation Scheme of the Life Insurance Corporation of India covers the Company’s Liability towards gratuity to the employees. The actuarial assumptions taken by LIC are as follows;

Method of Valuation (Projected Unit Credit Method)Discount Rate 8% 8%Salary Escalation 7% 7%MortalityRate LIC1994-96 LIC1994-96Withdrawal Rate (Ultimate - depending on Age) 1%-3% 1%-3%

Changes in Present Value of Obligations • PresentValueObligationsatbeginningoftheperiod 1,71,93,38,022 1,63,10,21,420• CurrentServiceCost 11,12,98,796 10,96,40,946• InterestCost 15,20,14,490 13,90,32,651• BenefitsPaid 11,15,95,943 11,82,90,213• PresentValueObligationsatendoftheperiod 1,75,97,56,569 1,71,93,38,022

b) The service cost due to Life Insurance Corporation of India against Group Gratuity Scheme is accounted on Cash Basis.

c) Liability on account of encashment of leave to employees is provided based on the actuarial valuation certificate obtained fromSri. S. Chidambaram approved actuary. Method of valuation is as follows;

Liability on Encashment of Leave ` 62,83,38,212 ` 55,98,27,545Method of Valuation (Projected Unit Credit Method)Discount Rate 8% 8%Salary Escalation 5% 5%MortalityRate LIC1994-96 LIC1994-96Withdrawal Rate (Ultimate - depending on Age) 1%-3% 1%-3%

35

` `Changes in Present Value of Obligations • Present value Obligations at beginning of the period 55,98,27,545 49,72,50,370• Interest Cost 5,50,83,791 4,89,95,851• Past Service Cost (Non-Vested) Nil Nil• Past Service Cost (Vested) Nil Nil• Current Service Cost 25,74,39,687 22,88,95,532• BenefitsPaid (19,14,14,279) (19,57,01,357)• ActuarialGain/(Loss) (5,25,98,532) (1,96,12,851)• Present Value Obligations at end of the period 62,83,38,212 55,98,27,545

Membership Summary • No: of Employees 5,585 5,018• Average Monthly Salary (`) 58,165 40,737• Average Age 43.82 43.65• Superannuation Age 58/65 58• Average Service Left (years) 1 4.21 14.35

ExpensesrecognisedinProfitandLoss • CurrentServiceCost 25,74,39,687 22,88,95,532• Past Service Cost (if applicable) - -• Interest Cost 5,50,83,791 4,89,95,851• Expected return on plan assets - -• Curtailment Cost/(Credit) - -• Settlement Cost/(Credit) - -• Net Actuarial Gain/(Loss) recognised in the period (5,25,98,532) (1,96,12,851)• ExpensesrecognisedinProfitandLoss 25,99,27,946 25,82,78,532

d) Company’s contribution during the year towards government administeredprovidentfundischargedtotheProfitandLossaccountas incurred.

e)DefinedContributionPlansPARTICULARS As at 31st March, 2015 As at 31st March, 2014 ` `ContributionstoDefinedContributionPlansrecognisedasexpensesfor the year under • Employer’sContributiontoProvidentFund 26,52,80,941 26,98,96,189• Employer’s Contribution to Family Pension Scheme Nil Nil

f) PAY REVISION: Pay and allowances of the employees of the company is revised once in every 5 years on the basis of long term settlement between the company and employees’ unions, subject to Government approval. The long term settlement entered into by the company for next 5 years with employees’ unions from 1st August, 2012hasbeenfinalizedandGovernmentapprovalisawaited.

NOTE 22: BAD AND DOUBTFUL DEBTS

The amount outstanding under ‘Amount Recoverable from Prized Subscribers’, theprovision iscalculatedasper thenormsfixed forRR Debtors. Hence Company had made a provision of `170 Lakhs during the year 2014-15 compared to `273 Lakhs for the year 2013-14 for ‘Amount Recoverable from Prized Subscribers’. During the year, the Company had made a further provision of `6,936 Lakhstowards bad & doubtful debts on the outstanding balance of various lending schemes and for chitty.

Breakup of Provision Outstanding

36

` `

ForRevenueRecoveryDebtors 1,06,97,52,786 91,60,52,786For Recovery from Prized Subscribers 1,70,00,000 2,73,00,000ForVariousOtherSchemes(ExceptGoldLoan) 1,60,51,00,000 1,05,49,00,000Total Provision 2,69,18,52,786 1,99,82,52,786

Company has identified bad debts, which as on 31-03-2015wereclassifiedintothefollowingcategoriesandwrittenoff:

For Deceased Employees 1,31,574 2,56,514For Recovery from Prized Subscribers 32,17,538 21,63,504For Revenue Recovery Debtors 2,306 21,500Total Provision 33,51,418 24,41,518

AuctionVeethapalisainTerminatedChitties(CFA,1975)isshownasLiability. During the year, as per Board Resolution No.6738 dt 11-11- 2014, the company decided to treat Forfeited Veethapalisa of Chitties underChitFundAct,1982asIncomeoftheCompanyatthetimeoftermination of chitty after adjusting the defaulted amount. Due to this Change in accounting Policy, forfeited veethapalisa of `34,58,616/- has been recognised as income during the year which would have otherwise been treated as liability.

NOTE 23 : ACCOUNTING FOR TAXES ON INCOME (ACCOUNTING STANDARD - 22)

a) In compliance with the Accounting Standard–22 on accounting for taxes on income, the Company has Net Deferred Tax Assets of `1,19,07,33,587/- as on 31-03-2015 against the Net Deferred TaxAssets of `89,85,26,054/-ason31-03-2014asdetailedbelow:

Itemsundersection40(a)(ia) 6,18,992 -DepreciationonFixedAssets 2,22,58,512 (14,29,682)ItemsDisallowableu/s43B 3,93,23,163 3,04,64,231ProvisionforLeaveSalary 21,35,72,158 19,02,85,383ProvisionforBad&DoubtfulDebts 91,49,60,762 67,92,06,122NetDeferredTaxAsset 1,19,07,33,587 89,85,26,054

b) Deferred Tax Assets have not been recognized in the accounts since there is no virtual certainty supported by convincing evidence thatsufficienttaxableincomewillbeavailableagainstsuchDeferredTax Assets.

c) Deferred Tax is calculated using tax rates and laws that have been enacted or subsequently enacted as on the Balance Sheet date.

NOTE 24: PARTICULARS OF LOANS AND ADVANCES

Advances recoverable in cash or kind or for value to be received

a) Considered good - Fully Secured 1HirePurchaseAdvances 1,76,330 2,29,0482.AmountRecoverablefromPrizedSubscribers 1,15,37,68,76,126 99,45,88,17,224 3. Revenue Recovery Debtors 3,42,00,12,177 1,75,77,13,6034.Chitty/NewChittyLoans 11,89,21,56,531 9,37,40,07,7355.GoldLoan 8,13,92,05,648 10,74,92,45,5776.FD/NewFDLoan 54,70,74,254 45,27,05,921

37

` `

7.HouseLoantoEmployees 44,47,92,808 43,29,56,9588.VehicleLoantoEmployees 1,20,12,185 1,22,42,3969.TradeLoan (95,429) 79,01310.Housing/NewHousingFinanceScheme 1,84,02,64,519 54,03,16,23411. Reliable Customer Loan 8,80,84,74,803 6,32,45,47,52812.ConsumerVehicleLoan 36,93,82,651 35,67,54,49313. Tax Planning Loan Scheme 4,11,661 2,15,43314.SugamaAkshayaOD 6,92,30,552 9,16,06,55515. Mangalya Loan 27,52,801 28,83,73516.VidyadhanamLoan 98,92,279 93,44,00017.KSFEHarithamLoan 3,17,094 4,31,50618.InterestDueandOutstanding 24,91,92,806 18,09,35,01819.ComputerLoantoEmployees 6,163 6,163

Various schemes (Note 11(a)) under ‘Other Loans & Advances’ is inclusive of the interest accrued but not due under the respective scheme.

b) Considered good – Unsecured 1. Security Deposit 62,32,244 56,78,4202.Loans&AdvancestoStaff 7,28,65,809 5,35,36,0683.Loans&AdvancestoRelatedParties (6,937) (6,937)4. Advance Payment to Creditors 32,18,172 12,50,1815. Balance with Government Agencies 124 1246.OtherTaxReceivables 9,71,214 -7.PrepaidExpenses 33,02,976 32,79,3588. Interest Receivables 1,230 1,2309.Others 8,44,075 8,44,075c)ConsideredDoubtful 2,69,18,52,786 1,99,82,52,786

NOTE 25:

a) Inter branch accounts shown under Other Current Assets in Note 12andInterOfficeremittanceintransitshownunderCash&CashEquivalents in Note 10.

InterBranchCurrentAccountAsset/(Liability) 86,29,47,435 55,68,05,019InterOfficeRemittanceinTransitAsset/(Liability) 46,85,411 15,20,28,472 Total 86,76,32,846 70,88,33,491

The net difference of current accounts represents the difference between the Head Office and Branches and between RegionalOfficesandBranches.Effortsarebeingcontinued to reconcile thesame. The Inter Office Remittance in Transit represents the fund transferredbetweenBranches,RegionalofficeandHeadOfficeforwhich entries are not completed at year end.b) Lucky VAT Account: The scheme has been discontinued since 31-03-2008. Lucky VAT Account at all the branches, but for 3 Units has been reconciled. There is an un-reconciled Net Debit Balance of `3,70,140/- as on 31-03-2015.

NOTE 26: TREASURY DEPOSIT

Out of `28,69,74,86,000/-(P.Y.`23,51,53,06,000/-) deposit receipts amounting to `5,98,96,64,000/- is pledged with the Registrar ofChitties in accordance with the provisions of The Kerala Chitties Act,

38

` `1975 and `10,69,00,50,000 in accordance with the provisions ofKeralaChittiesAct,1982.OutofamountspledgedwiththeRegistrarof Chitties, an amount of `1,22,81,77,000/- is Chitty Security Deposit matured but not released for various statutory reasons.

NOTE 27: REVISED BHADRATHA SOCIAL SOCIETY SCHEME

The company acts as the agent of the Government of Kerala in respect of Revised Bhadratha Social Security Scheme on commission basis. Since the scheme has been discontinued, the account shows a net balance of `1,26,08,945/-duetopendingreconciliation.

DepositsReceived&Outstanding 1,24,62,830 1,24,93,530InterestAccruedonDeposit 3,34,21,923 3,28,83,174InterestCreditedbyTreasuryontheAmountDeposited 28,62,32,049 28,11,84,431Sub Total (A) 33,21,16,802 32,65,61,135Less: Amount Receivable from Govt. on account of (a)CommissionPaid 10,58,469 10,58,469(b)InterestAccruedonDepositReceivablefromGovt 3,77,59,157 3,77,77,777(c)BalancewithTreasury 28,06,90,231 28,35,79,098Sub Total (B) 31,95,07,857 32,24,15,344TOTAL (A - B) 1,26,08,945 41,45,791

NOTE 28: OTHER MATTERS

a) The Company acts as the agent of the Government of Kerala in respect of Bhadratha Social Security Scheme. The amount collected bythebranchesandremittedtoHeadOfficeshowsanetdifferenceof `17,574/- (P.Y. `36,487/-).

b)Interest accrued on fixed deposit from public shown under thehead ‘Short Term Borrowing’ in Note 5 (b) (1) (iii) includes interest accrued but not due. Since the number of depositors are large coupledwithvaryingduedatesofpaymentthereispracticaldifficultyin ascertaining the interest accrued due and interest accrued but not due separately.

c) Matured Fixed Deposits not withdrawn includes unclaimed matured deposits of 7 years and above amounting to `4,43,021/- (For up to 31-03-2015) was subsequently transferred to Investor Education and ProtectionFundon19-10-2015.

d) Maximum balance outstanding at any time during the year with non-scheduled banks (Treasuries and District Co-Operative Banks) is not exhibited in Note 10. In view of large number of accounts maintained at different branches it is not possible to compile the figures,withtheexistingsystemframework.

e) As required vide AS-5 both Prior Period Income and Expenditure havebeendisclosedasexceptionalitemsintheProfit&LossAccountunder Note 18.

f) As per the letter received from Life Insurance Corporation of India, an additional Provision for Group Gratuity Scheme has been provided for `1,60,35,537/- during the year.

g) The Company had entered in to a new Consultancy Contract with Kerala State Construction Corporation (M/s Esjay Electro Links) on 06-08-2012foravailingHTconnectionatRegionalOffice,Ernakulamfor a Total Contract Value of `35,16,797/-.Till31-03-2015,anamountof `29,04,517/-hasbeenpaidtothem.

39

` `h) The Company had entered in to a new contract with M/s Keltron, TVM for supply of Computer Systems & Accessories. The order placed on 30-01-2015 and the invoice raised by them till 31-03-2015 is `3,45,97,650/-. Till the Balance Sheet date an amount of`2,62,45,000/- has been paid towards it to them.

i) The Company had entered in to a new contract with M/s Helsa Electricals, Kochi for the installation of Transformer and Diesel Generator at HO premises for a Total Contract Value of `15,57,912/-.Till 31-03-2015, an amount of `10,25,079/-hasbeenpaidtothem.

j) Finance Payable Chitty/Kuri shown in Note 6 (a) (1) includes Prize Money Payable amounting to `6,45,26,98,912/- (P.Y.`5,30,95,17,133/-).This includes theamountpayable in respectoftickets substituted by the Company. The said amount is net of the prize money paid in advance.

Finance Payable (Chitty/Kuri) Shown under ‘CurrentLiabilities’inNote6 1,02,83,48,52,46689,88,82,92,826Amount recoverable from Prized Subscribers shown under‘Loans&Advances’inNote11 1,15,39,38,76,126 99,48,61,17,224

k) Schedule of chitty subscribers are prepared and tallied on quarterly basis and postings to control accounts are made from these schedules.

l) Government of Kerala has allotted 15 cents of land to construct Kollam branch building as per letter from District Collector, Kollam vide Letter No.L3-23875/72-3 dated 04-10-1976. Though it is saidthat assignment will be give, no assignment has been obtained so far. The cost of the land has not been paid to the Government, as the samehasnotbeenfixedsofar.

m)Balancesofdebtorsandcreditorsareconfirmedonrandombasis,at all the branches.

n)

i) AdvancesincludeduesfromOfficersoftheCompany 26,84,97,008 28,48,34,802ii)MaximumamountduefromOfficersoftheCompany 31,77,10,763 32,72,83,006

o)Cash&CashEquivalentsClassification

A) Cash & Cash Equivalents i) Cash with Banks 1.CurrentAccounts 84,27,89,9432.FixedDepositsAccounts 1,02,90,86,3953. Others (a)GovtofKeralaTreasurySBAccount 13,99,71,922(b) District Co-operative Banks 12,72,43,626(c) Malabar Gramin Bank 1,22,46,072(d)HDFCBankLimited 5,92,637(e) Axis Bank Limited 3,323(f)FixedDepositwithGovt.OfKeralaTreasury 28,69,74,86,000ii)CashonHand 11,77,21,956iii) Cheques/DD on Hand 23,06,311iv)InterOfficeRemittance 46,85,411B) Earmarked Balance with Bank (Unpaid Dividend) 2,500C) Treasury Deposits held as Security against Borrowings 3,06,05,00,000D)BankDepositswithmorethan12MonthsMaturity 19,13,13,071

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As at 31st March, 2015 As at 31st March, 2014 ` `p)AsperGovernmentOrderNo: (MS)No.487/04/findated16-10-2004, Guarantee Commission due has to be paid in two Instalments - on 1st April & 1st October. The Company has been paying Guarantee Commission due on the outstanding balance of Fixed/Sugama/Short TermDepositsasattheendofthepreviousfinancialyear.

q) Company has a system to comply with Anti Money Laundering (AML) measures/Know Your Customer (KYC) Norms issued by Reserve Bank of India while commencement of any transaction with customers in the capacity as Depositor/Borrowers/Chit Members etc

r) As per Govt Order G.O. (MS) No.4/2015/Fin dated 06-01-2015 and Company had availed Loan amounting to `200 Crores from Federal Bank, Dhanalaxmi Bank and South Indian Bank and deposited the same in the District Treasury for Government requirements and mobilize the deposits which has been disclosed in Note 5 (a) (2) under the head ‘Short Term Borrowings’.

NOTE 29: SEGMENT REPORTING (Accounting Standard-17)

Since the Company primarily operates in one segment - Chit Business, segment reporting as required by Accounting Standard–17 is not applicable. There is no reportable geographical segment either.

NOTE 30: RELATED PARTY DISCLOSURE (Accounting Standard-18)

a) Key Management Personnel during the year 2014-15: Sri. P.T. Joseph (Chairman) and Sri. P. Rajendran (Managing Director).

b) Key Personal (Present): Sri. P.T. Joseph (Chairman) and Sri. Joshi Paul Veliyath (Managing Director).

c) Guarantee Commission and Service Charges Payable to Government of Kerala.

The Company has been remitting Guarantee Commission on the Fixed/Sugama/Short Term Deposits outstanding as at the end of the precedingfinancialyear.InterestAccruedonFixedDepositsisnotconsidered for the purpose of remitting Guarantee Commission as the interest is paid on a monthly basis & the Company does not have any cumulative deposit scheme. As per Government letter no: 14/PU-B3/2015/Fin dated 23-05-2015, No Guarantee Commission is pending to be remitted to Government as on 31-03-2015.

The Comptroller & Auditor General during the course of their inspection during 2003-04 had stated that an amount of `5.61 Crores is due up to that year on account of difference in method adopted for computation of Guarantee Commission.

d) There are no other related party transactions, which are material in nature, requiring disclosure.

e) i) Amount due from Directors/Related Parties Nil Nilii) Salaries, Allowances and Bonus include (a) Honorarium to Chairman 2,40,000 2,00,000(b)RemunerationtotheManagingDirector 18,84,990 18,97,251

41

iii) Other payments to the MD/Other Directors (a) Other payments to MD/Other Directors 6,01,270 3,75,600(b)Employer’sContributiontoGratuityFund/ProvidentFund(ForMD) 2,10,108 1,98,576(c)Others(SittingFee) 1,97,100 31,600iv) Travel Expenses includes expenses incurred by (a) Managing Director 17,400 44,370(b)OtherDirectors&Chairman 5,45,844 5,96,248

NOTE 31: INCOME TAX, INTEREST TAX & SERVICE TAX

(A) INCOME TAX

a) Income Tax Assessments are completed up to the A.Y. 2013-14 (except the A.Y. 2010-11).

b) Income Tax A.Y. 1994-95

A judgment dated 04-11-2014 by Hon’ble Kerala High Court received on16-12-2014intheO.P.No.22855of1998-Udirectedtheassessingofficertoreconsidertheissueofallowabilityclaimofthecompanyfortheissueongivinginterestu/s244AoftheIncomeTaxAct,1961.

TheAssessingOfficerhasnotyetdisposedthisissueandispendingbeforetheAssessingOfficer.

c) Income Tax A.Y. 1995-96

As per the Notice No.ACIT/CIT/TCR/154/2015-16 dated 04-06-2015. Assistant commissioner of Income Tax issued a notice for rectification U/S 154 pertaining to A.Y. 1995-96, Where in statedan excess deduction of `21,94,855/-,whilecalculating theTaxableIncome. Hence notice issued for tax for the additional income of `21,94,855/-.Accordingly, theACITThrissur,has issuedademandorder for `34,13,785/-u/s156dated29-06-2015whichhasreceivedon17-11-2015only.Wehave filedanapplication for rectifying theorder because the interest u/s 244A not properly considered. Then, the ACIT Thrissur, raised the taxable income to `4,97,11,925/-andissuedanotherorderu/s154oftheIncomeTaxAct,1961videorderdated 18-02-2016 raising a further demand of `53,89,315/-.

d) Income Tax A.Y. 2004-05

The Hon’ble ITAT order dated 08-08-2013 has directed the AssessingOfficertoexaminetheveethapalisaissueafreshandtakeappropriate decision.Accordingly theAssessing Officer completedthe assessment process and issued the assessment order dated 18-03-2015. As per the new assessment order, the A.O. has disallowed the undistributed veethapalisa `1,62,13,700/- and demand notice issued for `1,25,76,809/-.Companyhasfiledanappealagainsttheabove order before the Hon’ble CIT (A), Thrissur on 17-04-2015.

Thereafter the ACIT Thrissur had issued a letter dated 17-07-2015 informed that to remit the demands urgently for the A.Y. 2004-05 along with other 7 assessment years and otherwise they will be forced to initiaterecoveryproceedings.Thenwehadfiledanapplicationbeforethe CIT (A) to obtain the stay of collection of balance tax. Accordingly theCIT(A)gaveanorderNo.ITA16,17,18,19,20,21,24&164/TCR/CIT (A)/15-16 dated 18-09-2015 granting installment facilityto pay the demands in 6 equal installments. In this issue, we have received the opinion from our tax consultant M/s Varma & Varma, Thrissur and started the remittance from 31-10-2015. Subsequently, on29-09-2015departmenthas rectified the taxcomputationof the

42

assessment order dated 18-03-2015 based on our application dated 08-06-2015 and increased the demand to `1,27,22,859/-

e) Income Tax A.Y. 2005-06

The Hon’ble ITAT order dated 07-06-2013 has directed the Assessing Officer toexamine the issuesonveethapalisaanddisallowanceofU/s 40A(ia) afresh and take appropriate decision.

Accordingly the Assessing Officer completed the assessmentprocess and issued the assessment order dated 18-03-2015. As per the new assessment order, the A.O. has disallowed the undistributed veethapalisa `4,29,00,000/-andu/s40A(ia)`7,88,165/- and demand notice issued for ̀ 2,82,18,652/-.Companyhasfiledanappealagainstthe above order before the Hon’ble CIT (A), Thrissur on 17-04-2015.

Thereafter the ACIT Thrissur had issued a letter dated 17-07-2015 informed that to remit the demands urgently for the A.Y. 2005-06 along with other 7 Assessment years and otherwise they will be forced to initiate recovery proceedings.

ThenwehadfiledanapplicationbeforetheCIT(A)toobtainthestayof collection of balance tax. Accordingly the CIT (A) gave an order No.ITA16, 17, 18, 19, 20, 21, 24& 164/TCR/CIT (A)/15-16 dated18-09-2015grantinginstalmentfacilitytopaythedemandsin6equalinstalments. In this issue, we have received the opinion from our tax consultant M/s. Varma & Varma, Thrissur and started the remittance from 31-10-2015.

Subsequently, on 29-09-2015 department has rectified the taxcomputation of the assessment order dated 18-03-2015 based on our application dated 08-06-2015 and reduced the demand to `2,56,64,191/-

f) Income Tax A.Y. 2006-07

The Hon’ble ITAT order dated 07-06-2013 has directed the AssessingOfficertoexaminetheveethapalisaissueafreshandtakeappropriate decision.Accordingly theAssessing Officer completedthe assessment process and issued the assessment order dated 18-03-2015. As per the new assessment order, the A.O. has disallowed the undistributed veethapalisa `5,20,00,000/- and demand notice issued for `14,88,44,554/-.Company have filed an appeal againstthe above order before the Hon’ble CIT (A), Thrissur on 17-04-2015. AlsocompanyhasfiledarectificationrequesttotheACITforgivingthe credit of the remittance on 27-03-2015 for `8,85,89,148/-andfullcredit for interest u/s 244 A.

Thereafter the ACIT, Thrissur had issued a letter dated 17-07-2015 informed that to remit the demands urgently for the A.Y. 2006-07 along with other 7 assessment years and otherwise they will be forced to initiaterecoveryproceedings.Thenwehadfiledanapplicationbeforethe CIT (A) to obtain the stay of collection of balance tax. Accordingly theCIT(A)gaveanorderNo.ITA16,17,18,19,20,21,24&164/TCR/CIT (A)/15-16 dated 18-09-2015 granting instalment facilityto pay the demands in 6 equal installments. In this issue, we have received the opinion from our tax consultant M/s. Varma & Varma, Thrissur and started the remittance from 31-10-2015.

Subsequently, on 29-09-2015 department has rectified the taxcomputation of the assessment order dated 18-03-2015 based on our application dated 08-06-2015 and increased the demand to

43

`14,92,89,742/-. On 27-03-2015, we have remitted an amount of`8,85,89,148/-.Butthedepartmenthavenotconsideredthisamountin the above demand.

g) Income Tax A.Y. 2007-08

The Hon’ble ITAT order dated 07-06-2013 has directed the AssessingOfficertoexaminetheveethapalisaissueafreshandtakeappropriate decision.Accordingly theAssessing Officer completedthe assessment process and issued the assessment order dated 18-03-2015. As per the new assessment order, the A.O. has disallowed the undistributed veethapalisa `1,85,45,322/- and demand notice issued for `5,80,57,744/-.

Company has filed an appeal against the above order before theHon’bleCIT(A),Thrissuron17-04-2015.AlsocompanyhavefiledarectificationrequesttotheACITforgivingthecreditoftheremittanceon 27-03-2015 for `4,71,84,290/-andfullcreditforinterestu/s244A.

Thereafter the ACIT Thrissur had issued a letter dated 17-07-2015 informed that to remit the demands urgently for the A.Y. 2007-08 along with other 7 assessment years and otherwise they will be forced to initiaterecoveryproceedings.Thenwehadfiledanapplicationbeforethe CIT (A) to obtain the stay of collection of balance tax. Accordingly theCIT(A)gaveanorderNo.ITA16,17,18,19,20,21,24&164/TCR/CIT (A)/15-16 dated 18-09-2015 granting instalment facilityto pay the demands in 6 equal instalments. In this issue, we have received the opinion from our tax consultant M/s. Varma & Varma, Thrissur and started the remittance from 31-10-2015.

Subsequently, on 29-09-2015 department has rectified the taxcomputation of the assessment order dated 18-03-2015 based on our application dated 08-06-2015 and reduced the demand to `56,77,701/-.

h) Income Tax A.Y. 2008-09

TheITATorderdated08-08-2013hasdirectedtheAssessingOfficerto examine the veethapalisa issue afresh and take appropriate decision. Accordingly, the Assessing Officer completed theassessment process and issued the assessment order dated 18-03-2015. As per the new assessment order, the A.O. has disallowed the undistributed veethapalisa `1,83,82,643/- and demand notice issued for `1,53,24,161/-.Companyhasfiledanappealagainsttheaboveorder before the Hon’ble CIT (A), Thrissur on 17-04-2015.

Thereafter the ACIT Thrissur had issued a letter dated 17-07-2015 informedthattoremitthedemandsurgentlyfortheA.Y.2008-09alongwith other 7 assessment years and otherwise they will be forced to initiaterecoveryproceedings.Thenwehadfiledanapplicationbeforethe CIT (A) to obtain the stay of collection of balance tax. Accordingly theCIT(A)gaveanorderNo.ITA16,17,18,19,20,21,24&164/TCR/CIT (A)/15-16 dated 18-09-2015 granting instalment facilityto pay the demands in 6 equal installments. In this issue, we have received the opinion from our tax consultant M/s. Varma & Varma, Thrissur and started the remittance from 31-10-2015.

Subsequently, on 29-09-2015 department has rectified the taxcomputation of the assessment order dated 18-03-2015 based on our application dated 08-06-2015 and reduced the demand to `1,44,50,068/-.

44

i) Income Tax A.Y. 2009-10

TheITATorderdated08-08-2013hasdirectedtheAssessingOfficerto examine the veethapalisa issue afresh and take appropriate decision. Accordingly the Assessing Officer completed theassessment process and issued the assessment order dated 18-03-2015. As per the new assessment order, the A.O. has disallowed the undistributed veethapalisa `2,32,93,093/-anddemandnoticeissuedfor `1,46,85,393/-.Companyhasfiledanappealagainsttheaboveorder before the Hon’ble CIT (A), Thrissur on 17-04-2015.

Thereafter the ACIT Thrissur had issued a letter dated 17-07-2015 informed that to remit the demands urgently for theA.Y. 2009-10along with other 7 assessment years and otherwise they will be forced to initiate recovery proceedings.


j) Income Tax A.Y. 2010-11

TheCompanyhasfiledtherevisedreturnon27-07-2011.Anorderdated28-08-2012,u/s143(1)ofIncomeTaxAct,1961issuedbytheAssistant Commissioner of Income Tax (CPC), Bangalore received on27-09-2012whichshowsademandof`6,98,810/-.

AsperthedirectionofourTaxConsultantaRectificationApplicationfiled on 19-10-2012 and the samehas been rejected by theACIT(CPC) vide order dated 02-11-2012. Further, not received any order from the Income Tax Authorities. The Company has decided to contest this case before the appropriate authorities. The ACIT, Thrissur had issued a notice u/s 245 for the remittances of the demand vide order dated 28-08-2012.Company has filed a reply for same on 08-05-2014.

k) Income Tax A.Y. 2011-12

TheAssessingOfficermadeademandof`1,84,86,890/-fortheA.Y.2011-12u/s143(3)oftheIncomeTaxAct,1961.

The ACIT Thrissur had issued a letter dated 17-07-2015 informed that to remit the demands urgently for the A.Y. 2011-12 along with other 7 assessment years and otherwise they will be forced to initiate recoveryproceedings.Thenwehadfiledanapplicationbefore theCIT (A) to obtain the stay of collection of balance tax. Accordingly the CIT(A)gaveanorderNo.ITA16,17,18,19,20,21,24&164/TCR/CIT(A)/15-16dated18-09-2015grantinginstalmentfacilitytopaythedemands in 6 equal instalments. In this issue, we have received the opinion from our tax consultant M/s. Varma & Varma, Thrissur and started the remittance from 31-10-2015.

l) Income Tax A.Y. 2012-13

The ACIT Thrissur had issued a letter dated 17-07-2015 informed that to remit the demands urgently for the A.Y. 2012-13 along with other 7 assessment years and otherwise they will be forced to initiate recovery proceedings.

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m) Income Tax A.Y. 2013-14

After completing the assessment process, theAssessmentOfficerhas issued the Assessment order u/s 143(3) dated 11-02-2016 which demanded an amount of `2,57,05,020/-. The A.O. has disallowed the undistributed veethapalisa for `5,32,53,432/-.

ThecompanyfiledanappealbeforeCIT(A)Thrissuron05-03-2016which is pending disposal.

n) Income Tax A.Y. 2014-15

Thestatutoryaudithasbeencompletedandrevisedreturnwasfiledon 17-02-2016.

(B) INTEREST TAX

ASpecialLeavePetitionhasbeenfiledwith theHon’bleSupremeCourt of India against the Interest Tax applicable on Finance Charge amounting to `10,43,48,010/- under Hire Purchase Scheme which is still pending (SLP (C) No.26727 of 2008) for A.Y. 2000-01.

Judgement copy of SLP (C) No. 26727 of 2008 in Hon’ble Supreme Court of India for A.Y. 2000-01 related Interest Tax is not received yet.

(C) SERVICE TAX

a)Lokayukthahadissuedanorderonapetitionfiledbyasubscriberfor refund of service tax deducted from the prize money (`983/-).Company had obtained an interim stay from the Hon’ble High Court of Kerala against the impugned order. The case is still pending (WP No.(C)32008/2009).

b) The company had obtained favourable orders from the CESTAT Bangalore with regard to chargeability of Service Tax on commission receivedfromWUMTtransactions.Howeverdepartmenthadfiledanappeal with Hon’ble High court of Kerala which is still pending

c)WritpetitionfiledbeforetheHon’bleHighCourtofKeralaonlevyofservice Tax on foreman’s commission has been rejected by the High Court vide judgmentdated19-10-2012.CompanyhasfiledAppealbefore the Hon’ble Division Bench of High Court of Kerala (vide WA 968/2014dated17-07-2014).

d)The Company has filed writ of Mandamus before the Hon’bleDivision bench of High Court of Kerala based on dismissal of SLP(C) 24998/2013filedbytheDepartmentagainsttheJudgmentbyHon’bleHigh court of Delhi and it is not yet disposed of. The arguments in the said case are over and the same has been posted for order.

e) The Company has been paying Service Tax on Manpower Recruitment Service, Legal Service, Support Service, Service Charge, Guarantee Commission, and Other Taxable Service in

46

Reverse Charge Mechanism with effect from 01-07-2012.

Percentage of service tax on Manpower service by the recipient has been raised from 75% to 100% w.e.f. 01-04-2015.

f) As per the Finance (No.2) Bill, 2014 passed by the Lok Sabha on 25-07-2014, 7.5 % of Service Tax demanded in the Order-in-Original w.e.f. 06-08-2014 before the Commissioner (Appeals).

g) 30% of abatement on services related to chitty was omitted as pernotificationNo.08/2015dated01-03-2015byCBECw.e.f.01-04-2015. Since the abatement was omitted, company has been availing CENVAT credit.

h) Rate of service tax raised from 12.36% to 14% subsuming cesses w.e.f. 01-06-2015. Swatchh Bharat Cess @ 0.5% effected from 15.11.2015. Hence, total Service Tax comes to 14.5%.

NOTE 32: CONTINGENT LIABILITIES (Amount in `)PARTICULARS As at 31st March, As at 31st March, 2015 2014

a) The Company has obtained stay from Hon’ble High Court of Kerala against the Lok Ayukta decision to refund the IT deducted (TDS) on rentfromthebuildingownerofVithuraBranch 1,73,490 1,73,490b) The Company had entered into a consultancy agreement with M/sKeralaStateConstructionCorporationLtdon29-03-2010forconstructionofofficecomplex(G+4)atitssiteatKakkanad,Kochiforan estimated cost of ̀ 2,65,25,108/-. During the year 2011-12, they have submitted a Revised Total Estimated Bill of `2,96,24,697/-. Till 31-03-2015, amount to the tune of `2,80,37,081/- has been paid to them. 15,87,616 15,87,616

c) Company was exempted from the provisions of ESI Act up to 31-03-2008. The Company had taken up with the Government the issue of extending the ESI exemption for 2008-09, 2009-10, 2010-11 &2011-12. However, Government informed on 12-10-2011 that the Company’s request for exemption could not be considered since themedicalbenefitsgivenbyitareneithersimilarnorsuperiortothose provided under the ESI scheme. The matter was again taken up before the Government and again the same was not considered favourably. In the meanwhile, ESI authorities conducted inspection and demanded a sum of `21,09,806/-. Company approachedEmployee Insurance Court and obtained stay with regard to the aforesaid orders. The liability of `21,09,806/-isupto31-10-2011. 21,09,806 21,09,806

d) Rent Escalation Claim 26,47,867 26,14,844 TOTAL 65,18,779 64,85,756

e) The Commissioner of Central Excise, Customs & Service Tax, Calicut has issued a show cause notice (No. 165/2015 ST dated 04-09-2015) for Service Tax demand of `7,61,85,099/- (inclusiveof cess) for payment of Guarantee Commission & Service Charge to Government of Kerala for the period from 01-07-2012 to 31-03-2014. Against this show cause notice, the company appeared before the above commissioner and presented this cause which is pending disposal.

f) In addition to the above, the Additional Commissioner of Central Excise, Customs and Service Tax, Calicut vide show cause notice no.203/2015-ST dated 15-10-2015, raised a demand for Service

47

Tax of 6,00,207/- for the period from 01-04-2010 to 31-03-2014 for whichthecompanyfileditsreplywhichispendingdisposalwiththeAdditional Commissioner.

g) Assistant Commissioner of Central Excise, Customs & Service Tax has issued a show cause notice [No.111/2015-16 ST dated 11-03-2016] for Service Tax of ̀ 2,33,024/- on account of Security/Manpower recruitment service, legal services, directors services received for whichthecompanyisyettofileitsreply.

NOTE 33: CONTINGENT CONTRACTS

a) The Company had placed an order with M/s Nest Systems &Technologies (P) Ltd for Design, Development & Implementation of “Core Application Software for Business Accounting” (CASBA) for a contract value of `2,67,21,706/-on03-08-2009.Till31-03-2015,anamount of `1,63,42,168 has been paid to them.

b) The Company had entered into a contract with M/s Gemini Communications Ltd for structured LAN Cabling, Supply & Installation of Air Conditioners. The contract value is `3,69,00,000/-on30-07-2009.Nowtheyhaveraisedarevisedbillamountingto`2,11,67,426 till 31-03-2015. Till 31-03-2015, an amount of `1,29,51,000/- hasbeen paid to them.

c) The Company had issued work order to M/s Accel Frontline Limited on 20-05-2008 for the Design, Development Installation & Commissioning of a Centralized Application Software (CAS) for integrating various system applications. The contract value is `61,16,000/-. Till 31-03-2015, an amount of `39,28,000/-hasbeenpaid to them.

NOTE 34: EARNINGS PER SHARE (Amount in `)PARTICULARS As at 31st March, As at 31st March, 2015 2014EarningsPerShare(Basic&Diluted) 354 299NetProfitasperProfit&LossAccountConsideredasNumeratorforComputingEPS 70,72,22,035 59,88,90,360Weighted Average Number of Equity Shares used as Denominator 20,00,000 20,00,000Nominal Value of Shares 100 100

As per our report dated 30.04.2016 For and on behalf of the Board For DHAN & Co DIRECTORS Chartered Accountants FRN: 000740S P.T.Joseph Sd/- Chairman Sd/- Joshi Paul Veliyath Sd/- G. GOUTHAMAN B.Sc; FCA Managing Director Partner (Membership No: 020728) P.A. Shyla Sd/- Director

K. V Jayaprakasan Sd/- General Manager(Finance)I/C Place : Thrissur


48


CIN:-U65923KL1969SGC002249NOTES TO FINANCIAL STATEMENTS FOR THE YEAR ENDED 31st MARCH, 2015

NOTE 2: SHARE CAPITAL

(Amount in `)PARTICULARS As at 31st March, 2015 As at 31st March, 2014

(a) Authorised

50,00,000 Equity Shares of `100 each (P.Y. 50,00,000 Equity Shares of `100 each)

50,00,00,000 50,00,00,000

(b) Issued, Subscribed and Fully Paid Up

20,00,000 Equity Shares of `100 each (P.Y. 20,00,000 Equity Shares of `100 each)

20,00,00,000 20,00,00,000

(c) Details of Shares Issued for consideration other than CashThe company did not issue any shares for consideration other than Cash. (P.Y. NIL)

(d) Terms/Rights attached to Equity SharesThe company has equity shares having par value of `100 per share. Each holder of Equity Share is entitled to one vote per share. The shareholder have the right toreceiveInterimDividendsdeclaredbytheBoardofDirectorsandfinaldividend-sproposed by the Board of Directors and approved by the Shareholders. In the event of liquidation of the company, the holders of euity shares will be entitled to receive any of the remaining assets of the company after distribution of preferential amounts. The distribution will be in proportion to the no: of equity shares held by the shareholders.The Equity Shareholders have all the rights as available to the equity shareholders asfor the provision of Companies Act, 2013 read together with memorandum & Articlesof Association of the company as applicable.

TOTAL 20,00,00,000 20,00,00,000

Note 2.1: Reconciliation of Shares at the Beginning and at the End of the Financial Year

Particulars For the year 2014-15 For the year 2013-14Equity Shares Equity Shares

Number ` Number `Shares Outstanding at the Beginning of the Year

20,00,000 20,00,00,000 20,00,000 20,00,00,000

(+) Shares Issued during the Year - - - (-) Shares bought back during the Year - - - Shares Outstanding at the End of the Year

20,00,000 20,00,00,000 20,00,000 20,00,00,000

49

Note 2.2: Details of Shareholding More Than 5 % Share in a Company

Name Of Shareholder As at 31st March, 2015 As at 31st March, 2014

No: of Shares Held

% of Holding No: of Shares Held % of Holding

Government of Kerala 20,00,000 100 20,00,000 100

NOTE 3: RESERVES AND SURPLUS

(Amount in `)

PARTICULARS As at 31st March,2015 As at 31st March, 2014

(a) General Reserves

Opening Balance 3,59,62,65,350 3,04,41,73,350

(+) Current Year Transfer 65,32,62,000 55,20,92,000

(-) Written Back in Current Year - -

Closing Balance (a) 4,24,95,27,350 3,59,62,65,350

(b) Surplus

Opening Balance 360 -

(+)NetProfit/(NetLoss)FortheCurrentYear 70,72,22,035 59,88,90,360

(+) Transfer from Reserves - -

(-) Proposed Dividend 4,00,00,000 4,00,00,000

(-) Dividend Distribution Tax 1,39,60,128 67,98,000

(-) Transfer to Reserves 65,32,62,000 55,20,92,000 Closing Balance (b) 267 360

TOTAL (a+b) 4,24,95,27,617 3,59,62,65,710

NOTE 4: LONG TERM PROVISIONS


For Leave Encashment 57,40,46,152 52,31,45,487

TOTAL 57,40,46,152 52,31,45,487

50

NOTE 5: SHORT TERM BORROWINGS


(a) Secured

(1) Loans Repayable on DemandFrom Banks (Against Flexy Deposits made by the Company) 3,94,75,799 5,54,33,765

From Other Parties - -

(2) Loan from Banks (Against Lien on Treasury Depos-its)

2,00,00,00,000 -

Sub Total (a) Secured 2,03,94,75,799 5,54,33,765

(b) Unsecured

(1) Deposits

(i) Guaranteed by Govt of Kerala

(a) Fixed Deposit from Public 44,89,51,12,243 37,79,43,68,327

(b) Sugama Deposits 4,75,47,08,171 4,14,94,15,891

(c) Short Term Deposit 1,38,21,65,701 1,26,78,52,255

(ii) Matured and Non-Operative Deposits

(a) Matured Fixed Deposits not Withdrawn 1,02,45,01,778 92,96,24,800

(b) Non-Operative Sugama 1,29,10,755 1,23,70,098

(c) Matured Short Term Deposits not Withdrawn 30,46,96,273 25,78,41,765

(iii) Interest Accrued

(a) Fixed Deposits from Public 83,23,78,767 73,93,51,381

(b) Short Term Deposit 2,03,50,823 1,92,90,540

(iv) Chitty Security Deposit in Trust

(a) Chitty Security Deposit in Trust 19,10,26,46,863 15,66,24,45,716

(b) CSDT Matured but Not Claimed 37,27,66,296 28,03,43,449

(c) Interest Accrued on Chitty Security Deposit in Trust 44,69,37,251 36,38,83,065

Sub Total (b) Unsecured 73,14,91,74,921 61,47,67,87,287

TOTAL (a+b) 75,18,86,50,720 61,53,22,21,052

51

NOTE 6: OTHER CURRENT LIABILITIES

(Amount in `)

PARTICULARS As at 31st March, 2015 As at 31st March, 2014

(a) Finance Payable

(1) Chitty/Kuri 1,02,83,48,52,466 89,88,82,92,826

(2) Hire Purchase 1,70,69,760 1,67,86,259

(3) Others (Suppliers of HP Items)* 3,71,556 3,92,806

(b) Outstanding Liabilities

(1) For Expense 47,61,53,045 39,29,05,908

(c) Other Liabilities

(1) Social Security Scheme

(i) Collection 55,45,074 55,45,074

(ii) Incidental Charges 50,146 50,146

(iii) Interest Received on Collections Deposited with Treasury & Due to Govt.

1,56,41,490 1,56,41,490

(2) Revised Bhadratha

(i) Social Security Scheme 1,26,08,945 41,45,792

(3) Others 1,22,95,36,360 92,09,73,052

TOTAL 1,04,59,18,28,842 91,24,47,33,353

*FiguresPertainingtoSmallScaleIndustrialUnits,ifany,arenotidentifiableseperately

NOTE 7: SHORT TERM PROVISIONS

(Amount in `)


(a) For Taxation 3,45,67,91,721

Less: Advance Income Tax (Including TDS) 3,29,90,13,333 15,77,78,388 11,07,68,325

(b) For Proposed Dividend

For 2012-13 4,00,00,000

For 2013-14 4,00,00,000

For 2014-15 4,00,00,000 12,00,00,000 12,00,00,000

(c) For Dividend Tax 2,57,74,128 1,86,12,000

(d) For Leave Encashment 5,42,92,060 3,66,82,058

(e) For Interest Tax Payable 21,44,297 21,44,297

(f) Wealth Tax Payable 13,203 20,678

TOTAL 36,00,02,076 28,82,27,358

52

NOTE 9: INVENTORIES

(Amount in `)


(a) Stock of Stationery (At Cost; Valued andcertifiedbyManagement)

1,50,89,064 1,53,39,414

TOTAL 1,50,89,064 1,53,39,414

NOTE 10: CASH & CASH EQUIVALENTS

(Amount in `)


(a) Balances with Banks & Treasury 30,84,94,19,918 25,18,37,28,021

(b) Cash on Hand, Cheques, Drafts on Hand 12,00,28,267 10,89,39,420

(c)InterOfficeRemittance 46,85,411 15,20,28,472

TOTAL 30,97,41,33,596 25,44,46,95,913

10.1 Refer Note 28 (o) for Cash & Cash Equivalents classification

NOTE 8: FIXED ASSETS (Consolidated Statement of Fixed Assets and Depreciation thereon as on 31.03.2015)

Rates%

GROSS BLOCK DEPRECIATION NET BLOCK

Sl.No Particulars As on 01.04.2014

Additions during the

Year

Disposals/ Adjustments

As on 31.03.2015

As on 01.04.2014

For the Year On Disposals /Adjustments

As on 31.03.2015

As on 31.03.2015 As on 31.03.2014

i) Tangible Assets :

1 Land 13,24,924 56,26,020 - 69,50,944 - - - - 69,50,944 13,24,924

2 Building 5 4,28,76,349 1,73,360 - 4,30,49,709 1,33,56,371 20,41,570 1,53,97,941 2,76,51,768 2,95,19,978

3 Furniture & Fixtures

18.10 24,80,33,935 2,63,30,287 10,72,243 27,32,91,979 16,04,86,959 3,00,46,820 9,60,095 18,95,73,684 8,37,18,295 8,75,46,976

4 Office Equip-ments

13.91 7,88,35,744 1,89,66,510 9,53,349 9,68,48,905 4,25,18,192 3,31,41,438 5,49,934 7,51,09,696 2,17,39,209 3,63,17,552

5 Electrical Fittings

13.91 6,37,54,892 1,17,90,008 7,62,157 7,47,82,743 2,23,92,782 1,36,72,324 2,55,466 3,58,09,640 3,89,73,103 4,13,62,110

6 Motor Vehicle 25.89 1,13,46,657 24,13,230 23,51,539 1,14,08,348 54,44,321 22,47,863 14,38,653 62,53,531 51,54,817 59,02,336

7 Bicycle 20 1,47,067 - 10,957 1,36,110 1,46,895 - 10,954 1,35,941 169 172

8 Data Processing Equipments

40 31,81,43,354 2,88,93,084 (4,39,554) 34,74,75,992 23,82,28,009 4,74,91,321 5,29,883 28,51,89,447 6,22,86,545 7,99,15,345

Sub Total 76,44,62,922 9,41,92,499 47,10,691 85,39,44,730 48,25,73,529 12,86,41,336 37,44,985 60,74,69,880 24,64,74,850 28,18,89,393

ii) Intangible Assets :

1 Software 40 1,81,05,616 87,17,690 (82,753) 2,69,06,059 1,43,91,645 93,41,753 (89,168) 2,38,22,566 30,83,493 37,13,971

Sub Total 1,81,05,616 87,17,690 (82,753) 2,69,06,059 1,43,91,645 93,41,753 (89,168) 2,38,22,566 30,83,493 37,13,971

TOTAL 78,25,68,538 10,29,10,189 46,27,938 88,08,50,789 49,69,65,174 13,79,83,089 36,55,817 63,12,92,446 24,95,58,343 28,56,03,364

PREVIOUS YEAR TOTAL 71,85,55,971 6,80,08,892 39,96,325 78,25,68,538 40,85,11,153 8,95,42,668 10,88,646 49,69,65,174 28,56,03,364 31,00,44,818

53

NOTE 11: SHORT TERM LOANS & ADVANCES


(a) Other Loans and Advances

(i) Advances Recoverable in Cash or in kind or for Value to be Received 8,74,28,907 6,45,82,519

(ii) Gold Loan 8,13,92,05,648 10,74,92,45,577

(iii) Hire Purchase Advances 2,76,330

Less: Provision for Bad & Doubtful Debts 1,00,000 1,76,330 2,29,048

(iv) Amount Recoverable from Prized Subscribers 1,15,39,38,76,126

Less: Provision for Bad & Doubtful Debts 1,70,00,000 1,15,37,68,76,126 99,45,88,17,224

(v) Revenue Recovery Debtors 4,48,97,64,963

Less: Provision for Bad & Doubtful Debts 1,06,97,52,786 3,42,00,12,177 1,75,77,13,603

(vi) Chitty Loan/New Chitty Loan 13,13,75,56,531

Less: Provision for Bad & Doubtful Debts 1,24,54,00,000 11,89,21,56,531 9,37,40,07,735

(vii) F.D. Loan/N.F.D.L. 54,70,74,254

Less: Provision for Bad & Doubtful Debts - 54,70,74,254 45,27,05,921

(viii) Trade Loan & Flexy Trade Loan (95,429)

Less: Provision for Bad & Doubtful Debts - (95,429) 79,013

(ix) H.F.S/N.H.F.S. Less: Provision for Bad & Doubtful Debts

1,85,56,64,519 1,54,00,000 1,84,02,64,519 54,03,16,234

(x) Reliable Customer Loan 9,14,46,74,803

Less: Provision for Bad & Doubtful Debts 33,62,00,000 8,80,84,74,803 6,32,45,47,528

(xi) Consumer Vehicle Loan 37,67,82,651

Less: Provision for Bad & Doubtful Debts 74,00,000 36,93,82,651 35,67,54,493

(xii) Tax Planning Loan Scheme 5,11,661

Less: Provision for Bad & Doubtful Debts 1,00,000 4,11,661 2,15,433

(xiii) Sugama Akshaya OD 6,97,30,552

Less: Provision for Bad & Doubtful Debts 5,00,000 6,92,30,552 9,16,06,555

(xiv) House Loan to Employees 44,47,92,808 43,29,56,958

(xv) Vehicle Loan to Employees 1,20,12,185 1,22,42,396

(xvi) Computer Loan to Employees 6,163 6,163

(xvii) Mangalya Loan Scheme 27,52,801 28,83,735

(xviii) Vidyadhanam Loan 98,92,279 93,44,000

(xix) KSFE Haritham Loan 3,17,094 4,31,506

(xx) Interest Due and Outstanding on Loans 24,91,92,806 18,09,35,018

TOTAL 1,51,26,95,64,866 1,29,80,96,20,659

54

NOTE 12: OTHER CURRENT ASSETS

(Amount in `)


(a) Inter Branch Current Account 86,29,47,435 55,68,05,019(b) Interest Accrued on Deposits & Loans 1,77,04,12,517 1,25,01,97,918(c) Social Security Scheme

(i) Repayments 17,66,363 17,47,450 (ii) Balance with Treasury 2,05,83,223 2,05,83,223

TOTAL 2,65,57,09,538 1,82,93,33,610

NOTE 13: REVENUE FROM OPERATIONS (Amount in `)

PARTICULARS As at 31st March, 2015 As at 31st March, 2014(a) Foreman Commission 6,83,99,71,757 5,85,31,22,663

(b) Finance Charges 1,73,008 1,60,577

(c) Interest Income

(i) Interest on Gold Loan 1,49,15,66,675 1,54,38,66,261

(ii) Interest on Fixed Deposit Loan/NFDL 5,48,17,041 4,29,83,483

(iii) Interest on Chitty Loan/Passbook Loan 30,34,22,564 26,07,71,951

(iv) Interest on Trade Loan/Flexy Trade Loan 14,437 29,126

(v) On New Chitty Loan 1,19,12,83,509 90,89,60,677

(vi) On N.H.F.S./ H.F.S. 9,48,41,102 4,53,39,519

(vii) Reliable Customer Loan 97,44,14,960 68,03,81,204

(viii) Consumer Vehicle Loan 4,13,41,397 4,07,78,727

(ix) On Tax Planning Loan Scheme 2,22,860 3,60,538

(x) On Sugama Akshaya OD 1,99,07,486 2,32,28,938

(xi) Interest on Vidyadhanam Loan 10,05,081 -

(xii) On Deposit with Treasury/Bank 2,25,25,18,724 1,88,82,56,876

(xiii) On Default Interest 95,81,81,641 75,07,23,208

(xiv) Others 14,13,53,082 12,13,30,142

TOTAL 14,36,50,35,324 12,16,02,93,890

NOTE 14: OTHER INCOME (Amount in `)


(a) Dividend Income 36,79,64,499 34,22,47,046

(b)ProfitonChittySubstitutedTickets 60,38,03,445 42,53,51,361

(c)ProfitonSaleofAssets 2,62,928 40,587

(d) Writing Fee 7,46,82,548 7,21,01,909

(e)ForfeitedVeethapalisaIncome(CFA1982) 34,58,616 -

(h) Discount from Suppliers 25,152 -

(i) Miscellaneous Income 4,75,70,848 5,50,47,730

TOTAL 1,09,77,68,036 89,47,88,633

55

NOTE 15: EMPLOYEE BENEFIT EXPENSES (Amount in `)

PARTICULARS As at 31st March, 2015 As at 31st March, 2014(a) Salaries and Wages 3,22,46,74,504 2,90,79,15,448

(b) Contribution to Provident Fund 36,47,37,467 32,57,37,548

(c) Contribution to Gratuity Fund 2,13,15,623 10,01,40,524

(d) Earned Leave Salary 6,85,10,667 6,25,77,175

(e) Bonus & Performance Incentive 21,34,51,367 18,42,26,237

(f) Staff Welfare Expenses 5,36,39,723 5,16,96,900

TOTAL 3,94,63,29,351 3,63,22,93,832

NOTE 16: FINANCE COST (Amount in `)

PARTICULARS As at 31st March,2015 As at 31st March, 2014(a) Interest on Fixed Deposits 5,74,59,84,171 4,76,91,34,371

(b) Interest on Sugama Deposits 20,33,07,739 17,48,81,616

(c) Interest on Others 3,18,13,285 1,43,59,341

(d) Guarantee Commission 32,40,87,274 24,72,56,031

Total 6,30,51,92,469 5,20,56,31,359

NOTE 17: OTHER EXPENSES (Amount in `)


(a) Administrative & Other Expenses (i) Vehicle Running Expenses 40,90,044 33,25,299

(ii) Rent 11,63,01,273 10,22,23,372

(iii) Rates & Taxes 20,69,353 16,10,581

(iv) Electricity & Water Charges 3,32,72,246 3,08,03,693

(v) Postage, Telegram & Telephone 5,01,24,425 4,76,85,956

(vi) Printing & Stationery 4,59,98,944 3,88,79,556

(vii) Legal & Professional Charges 49,68,448 42,08,518

(viii) Other charges to Advocates - 3,236

(ix) Registration & Filing Fee 23,99,43,242 14,83,85,835

(x) Insurance 28,31,535 20,43,539

(xi) Sitting Fees to Directors 1,97,100 31,600

(xii) Service Charges to Govt. 85,49,96,470 73,16,40,333

(xiii) Service Tax 15,85,02,008 15,12,92,844

(xiv) Loss on Sale of Assets 3,46,289 1,07,210

(xv) Miscellaneous Expenses 3,03,67,267 2,72,36,993

(xvi) Travelling Expenses 1,79,15,186 1,94,27,891

(xvii) Corporate Social Responsibility 99,840 -

(b) Repairs and Maintenance (i) Building 8,59,849 2,79,665

(ii) Data Processing Equipments 2,65,93,896 1,41,64,811

(iii) Others 50,48,379 41,24,114

56

(c) Remuneration to Auditors(i)ForAudit:73,10,596

(ii) For Tax Audit: 11,88,167 84,98,763 79,27,560

(iii) Other Expenses 6,00,000 4,50,000

(d) Promotional Expense (i) Advertisement 11,08,63,842 10,77,00,689

(ii) Development Expenses 63,01,02,455 56,81,03,904

(e) Provisions and Written Off (i) Bad Debts Written Off 33,51,418 24,41,518

(ii) Provision for Bad & Doubtful Debts 69,36,00,000 40,36,00,000

TOTAL 3,04,15,42,272 2,41,76,98,717

NOTE 18: PRIOR PERIOD ADJUSTMENT (Amount in `)

PARTICULARS As at 31st March, 2015 As at 31st March, 2014(a) Prior Period Income (i) Interest on Gold Loan - 32,671

(II) Sales Promotion/Publicity 22,300 -

(iii) Interest on Fixed Deposit with Treasury 18,913 75,547

(iv) Interest on Chitty Security Deposit in the name of Asst. Registrar - 3,47,976

(v)OfficeRent - 25,055

(vi)ProfitonChittyTicketssubstitutedbyCompany 2,70,000 -

(vii) Advertisement Expenses 65,544 -

(viii) Other Interest Receipts 30,996 4,25,843

(ix) Miscellaneous Income - 48,324

(x) Agents Commission 11,15,930 7,17,177

(xi) Canvassing Expenses 1,34,843 22,975

(xii) Depreciation on Fixed Assets 44,375 1,18,139

(xiii) Travel Expenses 14,479 21,902

(xiv) Interest on FD from Public 2,63,966 -

(xv) Salaries & Allowances 2,40,339 90,293

(xvi) Bank Charges 21,200 -

(xvii) Interest on SB Account 91,463 -

(xviii) Interest on CSD in Trust 57,631 -

(xix) Door Collection Commission to Agents 2,25,896 2,84,134

(xx) Others 1,32,416 1,42,100

Sub Total (a) 27,50,291 23,52,136

(b) Prior Period Expenses (i) Agents Commission 17,229 53,570

(ii) Door Collection Commission to Agents 32,810 33,579

(iii) Interest on FD from Public 17,770 -

(iv)OfficeRent 7,29,792 10,15,065

(v) Salaries & Allowances 6,94,447 62,981

(vi) Registration & Filing Fee 21,522 6,88,219

(vii) Interest on Gold Loan 1,89,978 -

(viii) Interest on Flexy Deposit 45,217 37,118

57

(ix) Service Tax 25,10,252 90,624

(x) Interest on CVL 35,445 56,705

(xi) Default Interest Chitty 19,275 1,04,926

(xii) Interest on FD with Treasury 7,32,822 3,01,455

(xiii) Interest on SB Account 20,392 -

(xiv)ProfitonChittyTicketssubstitutedbyCompany 13,200 6,85,382

(xv) Sales Promotion/Publicity 48,240 -

(xvi) Telephone Charges - 52,290

(xvii) Depreciation of Fixed Assets 1,64,882 -

(xviii) Safe Deposit Locker Rent 52,679 -

(xix) Canvassing Expenses - 33,705

(xx) Interest on CSD in the name of Asst. Registrar 84,962 1,99,951

(xxi) Others 3,27,643 4,57,574

Sub Total (b) 57,58,557 38,73,144

TOTAL (b-a) 30,08,266 15,21,008

58


CIN:-U65923KL1969SGC002249STATEMENT OF CASH FLOW FOR THE YEAR ENDED 31st MARCH, 2015

(Amount in ` )

PARTICULARS As at 31st March, 2015 As at 31st March, 2014A Cash Flow from Operating Activities 5,49,82,64,434 4,84,65,15,824 B Cash Flow from Investing Activities (1,87,19,43,898) (6,78,19,370)C Cash Flow from Financing Activities 1,90,31,17,147 (10,18,55,679)

Net Change in Cash and Cash Equivalents (A+B+C) 5,52,94,37,683 4,67,68,40,775 D Cash and Cash Equivalents at the beginning of the Year 25,44,46,95,913 20,76,78,55,138 E Cash and Cash Equivalents at the end of the Year

(A+B+C+D) 30,97,41,33,596 25,44,46,95,913 A Cash Flow from Operating Activities

NetprofitBeforeTax 2,02,87,47,913 1,70,83,94,940Adjustment For: Depreciation 13,79,83,089 8,95,42,667 Provision for Earned Leave 6,85,10,667 6,25,77,175 Provision for Bonus 11,18,253 12,24,773 Provision for Wealth Tax 21,548 29,023 Provision for Service Tax 11,45,00,000 8,96,27,041 Provision for Gratuity Contribution to LIC 1,60,35,537 - Provision for Bad and Doubtful Debts 69,36,00,000 40,36,00,000 Bad Debts Written Off 33,51,418 24,41,518 ProfitonSaleofFixedAssets (2,62,928) (40,587) Loss on Sale of Fixed Assets 3,46,289 1,07,209 Interest on (Loans and OD against Flexy FD) 3,40,97,864 - Operating Profit before Working Capital Changes 3,09,80,49,650 2,35,75,03,759 Increase/Decrease in Unsecured Loans 11,67,23,87,634 13,81,36,02,687 Increase/Decrease in Current & Non-Current Liabilities 13,21,54,41,699 15,14,06,66,716 Increase/Decrease in Current Assets (excluding Cash Balance) 94,37,96,891 (43,93,62,375) Increase/Decrease in Loans & Advances (22,15,68,95,625) (24,55,17,31,866) Cash Flow from Operations 6,77,27,80,249 6,32,06,78,921 Income Tax Paid (1,27,45,15,815) (1,47,41,63,097) Net Cash Provided by Operating Activities 5,49,82,64,434 4,84,65,15,824

B Cash Flow from Investing Activities Fixed Assets Purchase of Fixed Assets (10,29,10,189) (6,79,67,757) Sale of Fixed Assets 13,78,808 1,48,387 Interest Accrued on Deposits & Loans (1,77,04,12,517) - Net Cash Out Flow from Investing Activities (1,87,19,43,898) (6,78,19,370)

C Cash Flow from Financing Activities Dividend & Dividend Tax Paid (4,67,98,000) (4,67,98,000) Wealth Tax Paid (29,023) (58,881) Increase/Decrease in Secured Loans 1,98,40,42,034 (5,49,98,798) Interest on (Loans and OD against Flexy FD) (3,40,97,864)Total 1,90,31,17,147 (10,18,55,679)

D Cash & Cash Equivalents at the Beginning of the Year Cash, Cheques & Stamps on Hand 10,89,39,420 11,01,28,097 Bank & Treasury Balances 25,18,37,28,021 20,54,62,31,656 InterOfficeRemittanceinTransit 15,20,28,472 11,14,95,385

25,44,46,95,913 20,76,78,55,138 E Cash & Cash Equivalents at the End of the Year

Cash, Cheques and Stamps on hand 12,00,28,267 10,89,39,420 Bank & Treasury Balances 30,84,94,19,918 25,18,37,28,021 InterOfficeRemittanceinTransit 46,85,411 15,20,28,472

30,97,41,33,596 25,44,46,95,913 As per our report dated 30 . 04 . 2016 For and on behalf of the Board For DHAN & Co DIRECTORS Chartered Accountants FRN: 000740S P.T.Joseph Sd/- Chairman

Sd/- Joshi Paul Veliyath Sd/- G. GOUTHAMAN B.Sc; FCA Managing Director Partner (Membership No: 020728) P.A. Shyla Sd/- Director

K. V Jayaprakasan Sd/- General Manager(Finance)I/C Place : Thrissur Date : 06 - 04 - 2016 Manojkumar V.R. Sd/- Company Secretary

59

OFFICE OF THE PRINCIPAL ACCOUNTANT GENERAL (E & RSA)KERALA, THIRUVANANTHAPURAM

31 ¨ÉÉSÉÇ 2015 E É ä ºÉ¨ÉÉ{iÉ ´É¹É Ç E ä Ê±ÉB E ä®±ÉÉ º] ä] Ê¡ xÉÉÎxºÉªÉ±É <Æ]®|ÉÉ<VÉäWÉ Ê±ÉÊ¨É] äb E ä Ê É́kÉÒªÉ Ê É́́ É®hÉÉ å {É® E¨{ÉxÉÒ+ÊvÉÊxÉªÉ¨É 2013 EÒ vÉÉ®É 143(6) (b) Eä +vÉÒxÉ ¦ÉÉ®iÉ Eä ÊxÉªÉÆjÉE -¨É½É±ÉäJÉÉ{É®ÒIÉE EÒ Ê]{{ÉÎhÉªÉÉÄÄ

COMMENTS OF THE COMPTROLLER AND AUDITOR GENERAL OF INDIA UNDER SECTION 143(6)(b)OF THE COMPANIES ACT, 2013 ON THE FINANCIAL STATEMENTS OF KERALA STATE

FINANCIAL ENTERPRISES LIMITED, FOR THE YEAR ENDED 31 MARCH 2015

ThepreparationoffinancialstatementsofKerala State Financial Enterprises Limited, for the year ended 31 March 2015 in accordance withthefinancialreportingframeworkprescribedundertheCompaniesAct,2013istheresponsibilityoftheManagementoftheCompany.TheStatutoryAuditorsappointedbytheComptrollerandAuditorGeneralofIndiaunderSection139(7)oftheActisresponsibleforex-pressingopiniononthesefinancialstatementsunderSection143,oftheActbasedonindependentauditinaccordancewiththeAuditingand Assurance Standards prescribed by their professional body, the Institute of Chartered Accountants of India. This is stated to have been done by them vide their Audit Report dated 30 April 2016.

I, on behalf of the Comptroller and Auditor General of India, have conducted a supplementary audit under Section 143(6) (a) of the Act of thefinancialstatementsof Kerala State Financial Enterprises Limited, for the year ended 31 March 2015. The supplementary audit has been carried out independently without access to the working papers of the Statutory Auditors and is limited primarily to inquiries of the Statutory Auditors and Company personnel and a selective examination of some of the accounting records. Based on my supplemen-taryaudit,Iwouldliketohighlightthefollowingsignificantmattersundersection143(6)(a)oftheActwhichhavecometomyattentionandwhichinmyviewarenecessaryforenablingabetterunderstandingofthefinancialattentionandwhichinmyviewarenecessaryforenablingabetterunderstandingofthefinancialstatementsandtherelatedauditreport:

A. COMMENTS ON PROFIBABILITY

STATEMENT PROFIT AND LOSS ACCOUNTa) Other expenses: Note:17d) Professional Expensesii) Development Expenses – `63.01 crore

Provision was not created for the expenditure of `80.50 lakh incurred towards the purchases of Gold coins for distributing to the third prize winners of “ KSFE Bhagya Sreyas Chittikal 2014” resulting in understatement of promotional expenses by `80.50 lakh with corresponding overstatementofprofitbysameamount.

B. COMMENTS ON INDEPENDENT AUDITOR’S REPORT

1.TheStatutoryAuditors failed todisclose theaggregateeffectof thequalificationmadeon thefinancial statements in theirReport asstipulatedinSA705paraA18andhencetheStatutoryAuditor’sReportisdeficienttothatextent.

2.Theaccountsof theKSFEHeadOffice,Thrissur,RegionalOfficeand the66branchesareauditedbyprincipal auditor andother six Regional Offices and 441 branches under these Regional Officers are audited by the Regional / Branch Auditor. The matter of division of responsibility for the financial information of the entity by indicating the extend to which the financial information of components audited by the other auditors were not disclosed properly as per SA 600 and as such the Statutory Auditor’s Reportisdeficienttothatextent.

3.The Accounts of the Company for the year 2013-14 is not yet adopted in the Annual General Meeting and the Statutory Auditors has not mentioned the matter in their Report. For and on behalf of the Comptroller and Auditor General of India

Sd/-

+¨É® {É]xÉÉªÉE AMAR PATNAIKÊiÉ¯´ÉxÉxkÉ{ÉÙ®¨É |ÉvÉÉxÉ ¨É½É±ÉäJÉÉEÉ® (+É.B´ÉÆ.®É.IÉä.±Éä.), Eä®±ÉThiruvananthapuram PRINCIPAL ACCOUNTANT GENERAL (E & RSA), KERALAÊnxÉÉÆE / Dated: 30-08-2016

|ÉvÉÉxÉ ¨É½É±ÉäJÉÉE É® (+ÉÌlÉE B´ÉÆ ®ÉVÉº´É IÉäjÉ ±ÉäJÉÉ{É®ÒIÉÉ)E É E ÉªÉÉÇ±ÉªÉ,E ä ®±É, ÊiÉ¯ ´ÉxÉxkÉ{ÉÙ®¨É

60

REPLY TO THE COMMENTS OF THE COMPTROLLER AND AUDITOR GENERAL OF INDIA, ON THE FINANCIAL STATEMENTS OF KERALA STATE FINANCIAL ENTERPRISES LIMITED FOR

THE YEAR ENDED 31ST MARCH 2015.

A. COMMENTS ON PROFITABILITY:-

Provision not created on prize winners of “ KSFE” Bhagya Sreyas Chittikal 2014”.

In the case of prizing scheme of chitty and as per the practices consistently followed by the company, we are creating provision for mega prizes such on 1st & II nd only.

In the case of IIIrd prize, which is distributing at branch level on different days and the rate of gold will vary on each days. Hence, we have not created provision as was consistently followed in the prior years. Moreover, the prize winners are determinedthroughbranchleveldrawsonthedateoffirstauctionoftheconcernedchitty.Theactualdateofauctionofmanysuchchittyfallsinthesubsequentfinancialyear2015-16.Theconsolidatedreportofauctionconductedareascer-tainable only after completion of auction and the exact requirement/liability was approved by the Board only during the subsequentfinancialyear.Hence,thesaidliabilitywasaccountedatthetimeofactualsettlementofliabilitybasedontheapproval of the Board.

B.COMMENTS ON INDEPENDENT AUDITOR’S REPORT FURNISHED BY STATUTORY AUDITORS:-

Reply to the comments as received from Stautory Auditors M/s Dhan&Co are furnished below;

1. AsperPara41ofthepre-revisedStandardonAudit700auditor’sreportonfinancialstatementissuedbyICAI,whenevertheauditorexpressesanopinionthatisotherthanunqualified,acleardescriptionofallthesubstantiverea-sonsshouldbeincludedinthereportand,unlessinpracticableaquantificationofthepossibleeffect(s),individuallyandinaggregate,onthefinancialstatementsshouldbementionedintheauditor’sreport. Incircumstanceswhereit isnotpracticabletoquantitytheeffectofthenotificationsmadeinthereportaccurately,theauditormaydosoonthebasisofestimates made by the management after carrying out such audit test as are possible and clearly indicate the fact that the figuresarebasedonmanagementestimates.

Based on the above pre-revised SA 700 which is applicable to our audit report, it is a circumstances where it is not practical toquantifytheeffectofmodificationsmadeintheauditreportaccurately.Thecompany,basedontheirjudgmentandesti-mate, has absorbed all accounting entries on 31/03/2015 itself. Hence as per SA 705, in our respect of matter commented inAGcomments,thereisnoquestionofquantificationofeffectofmodification.

2. The disclosure of the division of responsibilityforthefinancialinformationoftheentitybyindicatingtheextenttowhichthefinancialinformationofthecomponentsauditedbytheotherauditor(s)isnot specifically mentioned in our report. However, this fact is mentioned in the face of the independent Auditor’s Report, and we have considered the Respective Regional Auditor’s Report while framing our Report as per SA 600.

TheaccountsoftheKSFEHeadOffice,ThrissurRegionalOfficeand66brancheswereauditedbyusandother6RegionalOfficesand441BranchesundertheseRegionalOfficesfortheyear2014-15wereauditedbyotherCharteredAccoun-tants, who were appointed by C&AG and we have considered the respective Branch Auditor’s Report while framing our Report as per SA 600.

3. As per SA 250 (Revised), it is the responsibility of management; with the over sight of those charged with gov-ernance, to ensure that the entity’s operations are conducted in accordance with the provisions of laws and regulations, including compliance with the provisions of laws and regulations that determine the reported amounts and disclosures in anentity’sfinancialstatements.However,thiswasanunintentionalomissionfromourside.

Sd/- Place: Thrissur ADV.PEELIPOSE THOMAS Date : 30.11.2016 CHAIRMAN DIN : 07682129

61

GOVERNMENT OF KERALAComputer No.252070No. PU C2 / 71 / 2016.Fin. Finance (PUC) Department

COMMENTS OF ADDITIONAL CHIEF SECRETARY (FINANCE ) ON THE AUDITED ANNUAL ACCOUNTS OF “KERALA STATE FINANCIAL ENTERPRISES LTD” FOR THE YEAR 2014-15 Reg

1. Thegrossincomeofthecompanyhasincreasedby18.4%.Consequentlythenetprofitduringtheyearunderreviewhasincreasedby18.75%whencomparedtopreviousyear.Thisshowsasignificantgrowthin performance of the company.

2. Thecompanyshouldquantifytheimpactofpendinglitigationsonitsfinancialposition.3. The company should produce all the required details sought by the Auditors.4. Take steps to include provision for expected loss on account of misappropriation.5. Maintainuniqueidentificationnumberonfixedassetsandthefixedassetregister.6. The company should take steps to settle down issues in connection with ESI scheme.7. Theinternalauditsystemofthecompanyisnotuptodate,thefirmshouldstrengtheninternalauditsys-

tem commensurate with volume and size of business.8. ThecompanyshouldcomplywiththeAccordingstandard9onRecognitioninrespectofAuctionVeetha-

palisa.

Sd/-Thiruvananthapuram Dr. K.M. ABRAHAMDated:29.06.2016 AdditionalChiefSecretary(Finance)

Explanations of the Company

1) Noted.2) Noted for future guidance and compliance.3) Noted for future guidance.4) Noted.Asperthepolicyconsistentlyfollowed,thecompanyisusedtotakestepsagainstallthefi-

nancial fraud committed through appropriate recovery steps including Revenue Recovery action or throughrecoveryfromtheterminalbenefitsof theemployeesconcerned.Appropriatestepswillbetaken to create further rolling provision @ 40% on the estimated amount of fraud/mis appropriation fromthefinancialyear2015-16onwards.

5) Noted.TheCompanyishavinghugenumberoffixedassetsandthenumberofunitsareincreasingineveryyear.ThepurchaseofComputerandaccessoriesaredonecentrallyatHeadOfficelevelandare subsequently distributing and delivering these assets to concerned branches. Hence, it is a haz-ardoustasktomaintainthefixedassetswithindividualidentificationnumber.

6) Noted for future guidance.7) All efforts are now initiated by the Internal Audit Department of the company to complete the internal

audit on a current basis and to strengthen the audit system commensurate with volume and size of business.

8) The compliance has been disclosed in detail in the Notes to accounts and the Addendum to the Direc-tors Report.

Sd/-Place:Thrissur Adv.Peelipose ThomasDate: 30.11.2016 CHAIRMAN DIN : 07682129

62

THIRUVANANTHAPURAM

1) AMBOORI (416) GROUND FLOOR EROORICKAL BUILDINGS, AMBOORI.P.O. THIRUVANANTHAPURAM PIN-695505 Phone : (0471) 2245777 Mobile:9400028416 E mail : [email protected] 2) ARYANADU (350) ULLAS PLAZA OPP.PWD REST HOUSE, ARYANADU.P.O. THIRUVANANTHAPURAM PIN695542 Phone:(0472)2851966 Mobile:9496013350 E mail : [email protected]) ATTINGAL (11) SRUTHI TOWER, VAKKOM RASHEED ROAD, OPP.PRIVATE BUS STAND, ATTINGAL.P.O., THIRUVANANTHAPURAM PIN695101 Phone : (0470) 2622375 Mobile:9447797011 E mail : [email protected]) ATTINGAL EVENING (286) KRISHNA TOWERS, PALACE ROAD, NEAR PRIVATE BUS STAND, ATTINGAL.P.O. THIRUVANANTHAPURAM PIN-695101 Phone : 0470-2621575 Mobile:9446006286 E mail : [email protected]) AZHOOR (260) HIECS BUILDING FIRST FLOOR, PERUNGUZHI.P.O. THIRUVANANTHAPURAM PIN-695305 Phone : (0470)2634156 Mobile:9447179260 E mail : [email protected]) BALARAMAPURAM (109) 1ST FLOOR ORION PLAZA BALARAMAPURAM P.O THIRUVANANTHAPURAM PIN-695501 Phone : (0471) 2400656 Mobile:9447797109 Email:[email protected]) BALARAMAPURAM EVNG. (366) OASIS TOWER, KALLAMBALAM JUNCTION, BALARAMAPURAM.P.O. THIRUVANANTHAPURAM

PIN-695501 Phone : (0471) 2407366 Mobile:9496007366 E mail : [email protected]) CHALA (TVM) (130) 1ST FLOOR, GOURI PLAZA, TC 38/438-3 CHENTHITTA, CHALA P.O THIRUVANANTHAPURAM PIN:695036 Phone:(0471)2471259 Mobile:9447797130 E mail : [email protected]) CHIRAYINKIZHU (145) KADAYIL VILAKAM BUILDING, VALIYAKADU JN. CHIRAYINKIL.P.O. THIRUVANANTHAPURAM PIN:695304 Phone:(0470)2640970 Mobile:9447797145 E mail : [email protected]) EANCHACKAL (419) 1ST FLOOR, S.S.PLAZA TC NO.36/1076(2) EANCHACKAL, VALLKKADAVU.P.O. THIRUVANANTHAPURAM Mobile:9400028419 Email:[email protected]) FORT (TVM) (27) RAJADHANI BUILDING, EAST FORT, THIRUVANANTHAPURAM Dist. PIN-695023 Phone:(0471)2479038 Mobile:9447797027 E mail : [email protected]) KADAKKAVOOR (239) SREE MURUGA COMPLEX, CHEKKALAVILAKOM JUNCTION, P.O. KADAKKAVUR, THIRUVANANTHAPURAM Dist. PIN-695306. Phone:04702659457 Mobile:9447797239 Email:[email protected]) KADINAMKULAM (365) ANN-LIN BUILDINGS, ST.ANDREWS JUNCTION, ST.XAVIERS OLLEGE.P.O. THIRUVANANTHAPURAM Dist. PIN-695586 Phone : (0471) 2704017 Mobile:9496007365 E mail : [email protected]) KALLAMBALAM (217) MEDAYIL BUILDING FIRST FLOOR, KALLAMBALAM.P.O. THIRUVANANTHAPURAM

PIN-695605 Phone:(0470)2692105 Mobile:9447797217 E mail : [email protected]) KALLARA (182) N.N.BUILDINGS, SREYAS JUNCTION, KALLARA P.O., THIRUVANANTHAPURAM Dist. PIN:695608 Phone : (0472) 2860816 Mobile:9447797182 E mail : [email protected]) KANJIRAMKULAM (187) A.S.D. BUILDINGS, NEAR POST OFFICE, KANJIRAMKULAM P.O., THIRUVANANTHAPURAM PIN-695524 Phone:(0471)2260791 Mobile:9447797187 E mail : [email protected]) KARAKULAM (392) 1ST FLOOR PANCHAMI BUILDING PANCHAYAT OFFICE JUNCTION KARAKULAM.P.O. THIRUVANANTHAPURAM PIN.695564 Phone:(0471)2373392 Mobile:9496007392 Email:[email protected]) KARAMANA (415) 1ST FLOOR TC-20/1063 (4) KARAMANA JUNCTION KARAMANA.P.O, THIRUVANANTHAPURAM PIN-695002 Phone : (0471) 2343272 Mobile:9400028415 E mail : [email protected]) KARETTE (442) FIRST FLOOR, P.P.K.BUILDING, VAMANAPURAM.P.O. THIRUVANANTHAPURAM PIN-695606 Phone : (0470) 2836060 Mobile:9400028442 E mail : [email protected]) KATTAKADA (185) K.V. KANNAN COMPLEX, THIRUVANANTHAPURAM ROAD, KATTAKKADA, THIRUVANANTHAPURAM PIN-695572. Phone:(0471)2291133 Mobile:9447797185 E mail : [email protected]) KAZHAKUTTOM (59) ALATHARA COMPLEX, KAZHAKUTTOM,

THIRUVANANTHAPURAM PIN-695582 Phone : (0471) 2418363 Mobile:9447797059 Email:[email protected]) KESAVADASAPURAM (15) A.K.TOWERS, OPP.KEDARAM COMPLEX PATTOM PALACE P.O. KESAVADASAPURAM, THIRUVANANTHAPURAM Dist. PIN:695004. Phone : (0471) 2544832 Mobile:9447797015 E mail : [email protected]) KILIMANOOR (106) S.N.V. BUILDING JUNCTION, KILIMANOOR P.O., THIRUVANANTHAPURAM PIN-695601 Phone : (0470) 2672074 Mobile:9447797106 E mail : [email protected] 24) KODAPPANAKUNNU (275) SREENIVAS BUILDING, CIVIL STATION ROAD, KODAPPANAKKUNNU.P.O. THIRUVANANTHAPURAM PIN-695043 Phone : (0471) 2732275 Mobile:9446006275 E mail : [email protected]) KOVALAM (433) GROUND FLOOR N S BUILDING, VELLAR JN KOVALAM.P.O. THIRUVANANTHAPURAM PIN-695527 Phone : (0471) 2488433 Mobile:9400028433 E mail : [email protected]) KUNNATHUKAL (502) 1ST FLOOR, SARADA COMPLEX, KUNNATHUKAL JN. KUNNATHUKAL.P.O. THIRUVANANTHAPURAM PIN-695504 Phone : (0471) 2252502 Mobile:9400027502 E mail : [email protected]) M.C.TVM EVENING (367) NEW TRIDA CENTRE SECOND FLOOR, SOUTH BLOCK MEDICAL COLLEGE.P.O. THIRUVANANTHAPURAM PIN-695011 Phone : 0471-2550015 Mobile:9496007367 E mail : [email protected]) MADATHARA (504) 1ST FLOOR, SHALIMAR BUILDING

63

PALODE ROAD, MADATHARA.P.O. THIRUVANANTHAPURAM PIN-691541 Phone : (0474) 2443333 Mobile:9400027504 E mail : [email protected]) MALAYINKIZHU (37) K&K SHOPPING COMPLEX, MALAYINKIL P. O., NEAR PANCHAYAT OFFICE, THIRUVANANTHAPURAM PIN-695571 Phone : (0471) 2282053 Mobile:9447797037 E mail : [email protected]) MANACAUD (248) TC49/19,KAMALALAYAM, KAMALESWARAM, MANACAUD.P.O, THIRUVANANTHAPURAM, PIN.695009 Phone:(0471)2459538 Mobile:9447797248 E mail : [email protected] 31) MANANAKKU (423) 1ST FLOOR SALAM BUILDING MANANAKKU JUNCTION PERUMKULAM.P.O. ATTINGAL, THIRUVANATHAPURAM Phone : (0470) 2650111 Mobile:9400028423 E mail : [email protected] 32) MANDAPATHINKADAVU (337) 1ST FLOOR,GANA SHOPPING COMPLEX, MANDAPATHINKADAVU JUNCTION, OTTASEKHARAMANGALAM PO THIRUVANANTHAPURAM PIN:695125 Phone : (0471)-2257833 Mobile:9496013337 E mail : [email protected]) MANGALAPURAM (287) P.N.M ARCADE, THONNAKAL.PO THIRUVANANTHAPURAM PIN695317 Phone : 0471-2617703 Mobile:9446006287 E mail : [email protected]) MARANALLOOR (410) 1ST FLOOR, MAYA TRADERS COMPLEX PONGUMMOODU, KOOVALASSERY.P.O. THIRUVANANTHAPURAM PIN-695512 Phone:(0471)2297309 Mobile:9400028410

E mail : [email protected]) MEDICAL COLLEGE (TVM) (93) “NEW TRIDA CENTRE”, IIND FLOOR, MEDICAL COLLEGE P.O., THIRUVANANTHAPURAM PIN-695011 Phone : (0471) 2444723 Mobile:9447797093 Email:[email protected]) NANTHENCODE (368) 1ST FLOOR, TC 11/1448/3, YMR ROAD, NANTHENCODE JUNCTION, KOWDIAR.P.O. THIRUVANANTHAPURAM. PIN-695003. Phone : (0471) 2727368 Mobile:9496007368 E mail : [email protected]) NEDUMANGAD (36) RAJESWARI BUILDING BANK JUNCTION, PALAYAM, NEDUMANGAD THIRUVANANTHAPURAM PIN-695541 Phone : (0472) 2802411 Mobile:9447797036 E mail : [email protected]) NEDUMANGAD EVENING (309) SARASWATHI COMPLEX GHS ROAD, OPPOSIT SBT NEDUMANGAD PO THIRUVANANTHAPURAM PIN-695541 Phone:(0472)-2814309 Mobile:9496005309 Email:[email protected]) NELLIMOODU (480) 1ST FLOOR, BABU MEMORIAL BUILDING NELLIMOODU.P.O. THIRUVANANTHAPURAM PIN:695524 Phone : (0471) 2264480 Mobile:9400028480 E mail : [email protected]) NEYYATTINKARA I (16) AKSHAYA SHOPPING COM-PLEX, NEYYATTINKARA PO THIRUVANANTHAPURAM PIN-695121 Phone : (0471) 2222336 Mobile:9447797016 E mail : [email protected] 41) NEYYATTINKARA II (144) S.N.D.P. UNION BUILDINGS, OPP. MUNICIPAL TOWN HALL, NEYYATTINKARA PO THIRUVANANTHAPURAM

PIN-695121 Phone : (0471) 2222330 Mobile:9447797144 E mail : [email protected]) NEYYATTINKKARA EVENING (310) ROHINI TOURIST HOME BUILDING NEAR KSRTC BUS STAND NEYYATTINKARA PO THIRUVANANTHAPURAM PIN695121 Phone : (0471)-2227565 Mobile:9496005310 E mail : [email protected] 43) PALLICKAL (312) PULIMATH BUILDING NEAR SBT,PALLICKAL P.O KILIMANOOR (VIA) THIRUVANANTHAPURAM PIN-695604 Phone : (0470)-2684100 Mobile:9496005312 E mail : [email protected]) PALODE (210) M.K. BUILDINGS, PERINGAMALA ROAD, PALODE, PACHA P.O., THIRUVANANTHAPURAM. PIN-695562 Phone:(0472)2841396 Mobile:9447797210 E mail : [email protected] 45) PANAVOOR (417) 1ST FLOOR, ARS PLAZA PANAVOOR JUNCTION PANAVOOR.P.O. THIRUVANANTHAPURAM PIN-695568 Phone : (0472)-2865140 Mobile:9400028417 E mail : [email protected]) PANGODE (441) 1ST FLOOR AHILA COMPLEX PANGODE JN PANGODE.P.O. THIRUVANANTHAPURAM Phone:(0472)2869092 Mobile:9400028441 E mail : [email protected] 47) PAPPANAMCODE (153) IST FLOOR, ABN TOWER, PAPPANAMCODE, THIRUVANANTHAPURAM PIN-695018 Phone:(0471)2490016 Mobile:9447797153 E mail : [email protected]) PARASSALA (156) VELU’S BUILDING MAIN ROAD, PARASSALA.P.O.

THIRUVANANTHAPURAM PIN-695502 Phone : (0471) 2203075 Mobile:9447797156 E mail : [email protected] 49) PEROORKADA (69) VILAYIL BUILDINGS, IST FLOOR, AMBALAMUKKU, PEROORKADA PO., THIRUVANANTHAPRAM PIN-695005. Phone : (0471) 2437245 Mobile:9447797069 Email:[email protected]) PERUMKADAVILA (265) SADASIVAM COMPLEX PERUMKADAVILA P.O., NEYYATTINKARA, THIRUVANANTHAPURAM PIN-695124. Phone : (0471) - 2278030 Mobile:9447705265 E mail : [email protected] 51) PETTA (TVM) (112) SENTINEL BUILDINGS, PATTOOR JUNCTION, VANCHIYOOR P.O. THIRUVANANTHAPURAM PIN-695035 Phone : (0471) 2470772 Mobile:9447797112 E mail : [email protected]) PEYAD (424) 1ST FLOOR SIVANANDA COMPLEX CHIRAKKONAM PEYAD.P.O. THIRUVANANTHAPURAM PIN-695573 Phone : (0471) 2286230 Mobile:9400028424 mail : [email protected] 53) PONGANAD (418) 1ST FLOOR,VV BUILDING KALLAMBALAM ROAD KILIMANOOR(VIA) THIRUVANANTHAPURAM PIN-695601 Phone : (0470) 2652518 Mobile:9400028418 E mail : [email protected] 54) POOJAPPURA (138) KURCHY’S BUILDING, NEAR MANDAPAM, POOJAPPURA, THIRUVANANTHAPURAM, PIN-695012 Phone : (0471) 2346108 Mobile:9447797138 E mail : [email protected] 55) POOVACHAL (503) 1ST FLOOR NAAS BUILDING

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OPP.SHAH MEDICALS POOVACHAL JN THIRUVANANTHAPURAM Phone:(0472)2895503 Mobile:9400027503 E mail : [email protected]) POOVAR (311) BHASURAM SHOPPING COMPLEX GROUND FLOOR POOVAR PO THIRUVANANTHAPURAM PIN:695525 Phone:(0471)2209300 Mobile:9496005311 E mail : [email protected]) POTHENCODE (139) PLAZA BUILDINGS, POTHENCODE.P.O. THIRUVANANTHAPURAM., PIN-695584 Phone:(0471)2419631 Mobile:9447797139 Email:[email protected]) PRAVACHAMBALAM (280) THULASI BHAVAN BUILDING P.P.VIII/423, PRAVACHAMBALAM JN. THIRUVANANTHAPURAM PIN-695020 Phone:(0471)2391901 Mobile:9446006280 E mail : [email protected] 59) SASTHAMANGALAM (202) SHARMEES TOWERS, SASTHAMANGALAM, THIRUVANANTHAPURAM PIN:695010. Phone : (0471) 2720676 Mobile:9447797202 E mail : [email protected] 60) SREEKARIYAM (123) KADAYARA COMPLEX, SREEKARIYAM P.O., THIRUVANANTHAPURAM PIN-695017 Phone:(0471)2597003 Mobile:9447797123 E mail : [email protected]) STATUE (TVM EVENING I) (163) KSFE SILVER JUBILEE BUILDINGS, STATUE JUNCTION, CHIRAKULAM ROAD, THIRUVANANTHAPURAM.P.O. THIRUVANANTHAPURAM PIN-695001 Phone : (0471) 2476671 Mobile:9447797163 E mail : [email protected]) THAMPANOOR (TVM EVG. II) (219) RAMA PLAZA, 1ST FLOOR

S.S.KOVIL ROAD, THAMPANOOR.P.O THIRUVANANTHAPURAM - 695001 Phone:(0471)2338910 Mobile:9447797219 Email:[email protected]) THIRUMALA (349) TITU’S COMPLEX 2ND FLOOR, THIRUMALA.P.O. THIRUVANANTHAPURAM PIN-695006 Phone : (0471) 2354650 Mobile:9496013349 Email:[email protected]) TVM MAIN (2) HOUSING BOARD BUILDING, SANTHI NAGAR, THIRUVANANTHAPURAM PIN-695001. Phone : (0471) 2330217 Mobile:9447797002 E mail : [email protected]) UDIYANKULANGARA (194) APARNA BUILDING, UDIYANKULANGARA, AMARAVILA P.O., THIRUVANANDAPURAM PIN-695122 Phone : (0471) 2231661 Mobile:9447797194 Email:[email protected]) ULLOOR (96) “NEW TRIDA CENTRE”, LASA COMPLEX, 1ST FLOOR, MEDICAL COLLEGE P.O., THIRUVANANTHAPURAM PIN-695011 Phone : (0471) 2448717 Mobile:9447797096 Email:[email protected]) VARKALA (29) GOPAL BUILDING, OVERBRIDGE ROAD, MYTHANAM, VARKALA P.O., THIRUVANANTHAPURAM, PIN-695141 Phone : (0470) 2602445 Mobile:9447797029 Email:[email protected]) VATTAPPARA (289) NEAR VATTAPPARA JN, VATTAPPARA.P.O. THIRUVANANTHAPURAM PIN:695028 Phone : (0472) 2585444 Mobile:9446006289 Email:[email protected]) VATTIYOORKAVU (244) RUGMINI ARCADE, ARAPPURA ROAD, VATTIYOORKAVU,

THIRUVANANTHAPURAM, PIN-695013 Phone:(0471)2369684 Mobile:9447797244 E mail : [email protected] 70) VAZHUTHACAUD (94) CENTRE PLAZA BUILDING, 2ND FLOOR, VAZHUTHACAUD.P.O, THIRUVANANTHAPURAM PIN-695014 Phone : (0471) 2327381 Mobile:9447797094 Email:[email protected]) VELLANAD (141) MANNUVEETTIL SHOPPING COMPLEX VELLANADU JN., VELLANADU PO, THRIRUVANANTHAPURAM PIN-695543 Phone : (0472) 2882022 Mobile:9447797141 E mail : [email protected]) VELLARADA (107) SAKTHI BUILDING, 1ST FLOOR), PANACHAMOODU P.O., THIRUVANANTHAPURAM., PIN-695505 Phone:(0471)2242299 Mobile:9447797107 E mail : [email protected]) VEMBAYAM (425) 1ST FLOOR NN BUILDINGS OPP.GOVT.HOSPITAL KANNIAKULANGARA, VEMBAYAM.P.O. THIRUVANANTHAPURAM - 695615 Phone : (0472) 2831117 Mobile:9400028425 E mail : [email protected] 74) VENJARAMOOD (84) ATHULYA BUILDING, M.C.ROAD, VENJARAMOOD PO THIRUVANANTHAPURAM PIN:695607 Phone : (0472) 2872120 Mobile:9447797084 E mail : [email protected] 75) VIKAS BHAVAN (247) T.C. 11/46, PMG JUNCTION VIKAS BHAVAN POST, THIRUVANANTHAPURAM PIN-695033 Phone : (0471) 2317584 Mobile:9447797247 E mail : [email protected]) VITHURA (125) N.N. ARCADE, FIRST FLOOR,

KALUNGU JUNCTION, VITHURA, THIRUVANANTHAPURAM PIN-695551 Phone : (0472) 2856515 Mobile:9447797125 E mail : [email protected] 77) VIZHINJAM (44) 1ST FLOOR KMS COMPLEX OPP.TRIVANDRUM CORPN. SHOPPING COMPLEX VIZHINJAM.P.O. THIRUVANANTHAPURAM PIN-695521 Phone : (0471) 2480254 Mobile:9447797044 E mail : [email protected]

KOLLAM

1) ANANDAVALLEESWARAM (25) TRAVANCORE DEVASWOM BOARD BUILDING, ANANDAVALLEESWARAM, KOLLAM PIN-691013 Phone:(0474)2793020 Mobile:9447797025 E mail : [email protected]) ANCHAL-I (79) JAI JAWAN COMPLEX, NEAR PETROL PUMP, PUNALUR ROAD, ANCHAL. KOLLAM PIN-691306 Phone : (0475) 2273314 Mobile:9447797079 Email:[email protected]) ANCHAL-II (188) SABARI TOWERS, IST FLOOR, MARKET JUNCTION, ANCHAL, KOLLAM PIN-691306 Phone : (0475) 2271052 Mobile:9447797188 E mail : [email protected] 4) ANCHALUMOODU (140) KAYALVARATHU BUILDING, ANCHALUMOODU, PERINAD P.O., KOLLAM PIN-691601 Phone:(0474)2552395 Mobile:9447797140 E mail : [email protected]) AYUR (355) KEEZHOOT BUILDING NEAR PETROL PUMP M.C ROAD, AYOOR.P.O. KOLLAM PIN691533

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Phone:(0475)2293456 Mobile:9496013355 E mail : [email protected]) BHARANICAVU (394) 1ST FLOOR V.A.I.M BUILDING BHARANIKAVU, SASTHAMKOTTA.P.O. KOLLAM690521 Phone:(0476)2836394 Mobile:9496007394 Email:[email protected]) CHADAYAMANGALAM (162) THIRUVONAM BUILDING, CHADAYAMANGALAM P.O. KOLLAM,PIN:691534 Phone:(0474)2475109 Mobile:9447797162 E mail : [email protected] 8) CHAKKUVALLY (264) MULLASSERY BUILDING SOORANAD P.O., SOORANAD SOUTH CHAKKUVALLY KOLLAM PIN-690522. Phone : (0476) 2854500 Mobile:9447497264 E mail : [email protected] 9) CHATHANOOR (159) GOPAL & SONS BUILDING COMPLEX, CHATHANNOOR P.O., KOLLAM PIN691572 Phone:(0474)2593988 Mobile:9447797159 Email:[email protected]) CHAVARA (218) KUMBALATH BUILDING, NALLEZHATHUMUKKU, P.O. CHAVARA, KOLLAM,PIN-691583 Phone : (0476) 2687231 Mobile:9447797218 E mail : [email protected]) CHENGAMANAD (486) GROUND FLOOR, CHERUPUSHPAM COMPLEX KIZHAKKETHERUVU, CHENGAMANAD.P.O., KOTTARAKARA KOLLAM-691506 Phone:(0474)2651396 Mobile:9400028486 E mail : [email protected]) CHINNAKKADA (LU,KOLLAM) (100) KSFE BUILDING, GROUND FLOOR, CHINNAKKADA.P.O. KOLLAM PIN-691001

Phone:(0474)2747975 Mobile:9447797100 E mail : [email protected] 13) CIVILSTATION KARUNAGAPALLY (295) TRAVANCORE DEVASWOM BUILDING NEAR CIVIL STATION NH 47 KARUNAGAPALLY PO KOLLAM690518 Phone:0476-2623295 Mobile:9446006295 Email:[email protected]) EAST KALLADA (288) MARKET JUNCTION, EAST KALLADA.P.O. KOLLAM-691502 Phone : 0474-2585153 Mobile:9446006288 E mail : [email protected]) EDAPALLICOTTA (455) 1ST FLOOR, PANIKKATHU BUILDING EDAPPALLICOTTAH.P.O. CHAVARA, KOLLAM-691583 Phone : (0476) 2671466 Mobile:9400028455 E mail : [email protected]) EZHUKONE (214) VADAKKEMURI BUILDINGS, EZHUKONE PO KOLLAM PIN-691505. Phone : (0474) 2484787 Mobile:9447797214 E mail : [email protected] 17) KADAKKAL (97) SANDEEP PLAZA MAIN ROAD, KADAKKAL P.O KOLLAM DT., PIN-691536 Phone : (0474) 2422240 Mobile:9447797097 Email:[email protected]) KADAPPAKADA (67) “DARSAN”,P.B.NO.9, KADAPPAKKADA, KOLLAM PIN-691001 Phone : (0474) 2745124 Mobile:9447797067 E mail : [email protected] 19) KANNANALLOOR (220) LEBBAS TOWER, FIRST FLOOR, KANNANALLOOR P.O. KOLLAM PIN-691576 Phone : (0474) 2501678 Mobile:9447797220 E mail : [email protected]

20) KARAVALUR (456) 1ST FLOOR, KALPANA BUILDING OPP.AMMHS, KARAVALUR.P.O. KOLLAM,PIN-691333 Phone:(0475)2250789 Mobile:9400028456 E mail : [email protected] 21) KARUNAGAPPALLY MAIN (48) NEW EXCELLENCY ANNEXE, MAIN BRANCH, NORTH OF KSRTC BUS STATION KARUNAGAPPALLY KOLLAM,PIN-690518 Phone : (0476) 2620316 Mobile:9447797048 E mail : [email protected]) KERALAPURAM (254) 1ST FLOOR, DEVAN’S PLAZA, P.O. CHANDHANATHOPPU, KERALAPURAM, KOLLAM PIN-691014 Phone : (0474) 2546833 Mobile:9447798254 E mail : [email protected]) KILIKOLLUR (155) ROHINI ARCADE, KARICODE, TKM COLLEGE P.O., KOLLAM,PIN-691005 Phone : (0474) 2711683 Mobile:9447797155 E mail : [email protected]) KOLLAM (5) K.S.F.E. BUILDINGS, P.B.NO.3, CHINNAKKADA, KOLLAM,PIN-691001 Phone : (0474) 2746805 Mobile:9447797005 E mail : [email protected]

25) KOLLAM (EVENING) (231) BSNL CO-AXIAL BUILDING, VADAYATTUKOTTA ROAD, CHINNAKKADA - KOLLAM PIN-691001 Phone:(0474)2767699 Mobile:9447797231 E mail : [email protected]

26) KOLLAM BEACH ROAD (181) KOLLAM BEACH ROAD, THAMARAKULAM, KOLLAM,PIN-691001. Phone : (0474) 2744712 Mobile:9447797181 E mail : [email protected]

27) KOTTARAKARA (32) CITY TOWER, NEAR MARTHOMA GIRLS HIGH SCHOOL, KOTTARAKKARA KOLLAM,PIN-691506 Phone:(0474)2452896 Mobile:9447797032 E mail : [email protected]

28) KOTTARAKKARA II (319) CHANDRA TOWERS MINARVA JUNCTION PUTHUR ROAD, KOTTARAKKARA KOLLAM DT Phone : 0474-2458844 Mobile:9496005319 Email:[email protected]

29) KOTTIYAM (119) ALEXO COMPLEX, FIRST FLOOR KOTTIYAM PO, KOLLAM,PIN-691571 Phone : (0474) 2530465 Mobile:9447797119 Email:[email protected]

30) KULATHUPPUZHA (166) KANNAMMANNIL BUILDINGS, NEAR GOVT. U.P.S., KULATHUPUZHA.P.O., KOLLAM,PIN-691310 Phone : (0475) 2317877 Mobile:9447797166 E mail : [email protected]) KUNDARA (47) RAJAN TOWERS, Q.S.ROAD, NEAR HOSPITAL JUNCTION, KUNDARA, KOLLAM PIN-691501 Phone : (0474) 2522571 Mobile:9447797047 E mail : [email protected]) KUNDARA II (405) 1ST FLOOR, Q.S.ROAD OPPOSITE HEAD POST OFFICE MUKKADA, KUNDARA.P.O. KOLLAM-691501 Phone : (0474) 2520822 Mobile:9400039405 E mail : [email protected]) KUNNIKODE (235) JASMINE COMPLEX, KOTTARAKARA-VIA, KUNNIKODE, KOLLAM PIN-691508

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Phone : (0475) 2325757 Mobile:9447797235 E mail : [email protected]) MAYYANAD (348) NAZ PLAZA BUILDING NEAR RAILWAY STATION MAYYANAD P.O. KOLLAM,PIN-691303 Phone : (0474) 2556310 Mobile:9496013348 E mail : [email protected]) MYNAGAPALLY (445) 1ST FLOOR VANDANA ARCADE, MYNAGAPPALLY.P.O. KOLLAM PIN-690519 Phone : (0476) 2846455 Mobile:9400028445 E mail : [email protected]) NEENDAKARA (S.KULANGARA) (110) ALBICO BUILDING, 2ND FLOOR, SAKTHIKULANGARA, KOLLAM,PIN-691581 Phone : (0474) 2770680 Mobile:9447797110 E mail : [email protected]) NILAMEL (393) 1ST FLOOR, MB TOWER, MARKET ROAD, NILAMEL, KOLLAM,PIN691535 Phone : (0474) 2433530 Mobile:9496007393 Email:[email protected]) OACHIRA (221) NEAR POST OFFICE, OACHIRA, P.O. OACHIRA, KOLLAM,PIN-690526 Phone:(0476)2694567 Mobile:9447797221 E mail : [email protected]) ODANAVATTAM (262) Y.GEORGE MEMORIAL BUILDING, ODANAVATTOM P.O. KOLLAM,PIN-691512 Phone : (0474) 2465650 Mobile:9447177262 E mail : [email protected]) OYOOR (282) KAITHAPUZHA BUILDING, PADINJARE JN., OYOOR, KOLLAM,PIN691510 Phone : (0474)-2468050 Mobile:9446006282 E mail : [email protected]) PALLIMUKKU (KOLLAM) (170) P.A. AZEEZ, ESPLANADE, POST OFFICE JN., VADAKKEVILA P.O.,

PALLIMUKKU, KOLLAM,PIN-691010 Phone:(0474)2729558 Mobile:9447797170 E mail : [email protected]) PARAVOOR (64) 1ST FLOOR, RASASI COMPLEX RAILWAY STATION ROAD PARAVUR.P.O KOLLAM-691301 Phone:(0474)2512194 Mobile:9447797064 E mail : [email protected]) PARIPPALLY (212) 1ST FLOOR, D & D TOWER PARIPALLY.P.O, KOLLAM PIN-691574 Phone : (0474) 2574013 Mobile:9447797212 E mail : [email protected]) PATHANAPURAM (111) ASWATHI BUILDING, COLLEGE ROAD, PATHANAPURAM P.O., KOLLAMDT.,PIN-689695 Phone : (0475) 2352604 Mobile:9447797111 E mail : [email protected]) PATTAZHI (396) 1ST FLOOR DWARAKA BUILDINGS, KANNIMEL, PATTAZHI.P.O. KOLLAM-691522 Mobile:9496007396 Email:[email protected]) POOYAPPALLY (471) 1ST FLOOR, GT BUILDING POOYAPALLY JN, POOYAPALLY.P.O. KOLLAM-691537 Phone:(0474)2462199 Mobile:9400028471 E mail : [email protected]) PRAKULAM (485) GROUND FLOOR, ARADHANA BUILDING, KANJAVELI.P.O. NEAR NSS HSS, PRAKKULAM, KOLLAM Phone:(0474)2700923 Mobile:9400028485 E mail : [email protected]) PUNALUR (14) 1ST FLOOR, ANASWARA BUILDING GOVERNMENT HOSPITAL JUNCTION PUNALUR.P.O. KOLLAM-691305 Phone : (0475) 2222278 Mobile:9447797014 E mail : [email protected]

49) PUNALUR II (438) FIRST FLOOR, SARA SHOPPING COMPLEX, T.B.JUNCTION, VALACODE, PUNALUR.P.O. KOLLAM-691331 Phone : (0475) 2221278 Mobile:9400028438 E mail : [email protected]) PUTHUR (149) S.R.K.BUILDING, MANDAPAM JUNCTION, OPP.POST OFFICE, PUTHUR.P.O, KOLLAMDT.,PIN-691507 Phone : (0474) 2415504 Mobile:9447797149 Email:[email protected]) RAMANKULANGARA (465) FIRST FLOOR, SIVAGIRI TOWERS VELLAYITTAMBALAM KAVANAD.P.O. KOLLAM-691003 Phone:(0474)2794131 Mobile:9400028465 E mail : [email protected]) SASTHAMKOTTA (113) VILAYIL BUILDING, SASTHAMKOTTA P.O., KOLLAM,PIN-690521 Phone : (0476) 2830570 Mobile:9447797113 E mail : [email protected]) THEVALAKKARA (320) MADATHIL BUILDING NEAR INDIAN BANK CHENANKARA JUNCTION THEVALAKKARA PO, KOLLAM PIN-690524, Phone:0476-2877939 Mobile:9496005320 E mail : [email protected]) VADAYATTUKOTTA (55) 1ST FLOOR, PATTATHUVILA PLAZA, NEAR SREEKRISHNA SWAMY TEMPLE VADAYATTUKOTTA ROAD, KOLLAM,PIN-691001 Phone:(0474)2748975 Mobile:9447797055 E mail : [email protected]) VALAKOM (353) PALAKKAL KOSHY MEMORIAL BUILDING NEAR LITTLE THRIVENI STORE VALAKOM.P.O. KOLLAMDT.,PIN-691532 Phone : (0474) 2470787 Mobile:9496013353

E mail : [email protected]) VAVVAKKAVU (382) 1ST FLOOR, SREEPADMAM CHANGANKULANGARA VAVVAKKAVU.P.O. KARUNGAPILLY KOLLAM,PIN-690528 Phone : (0476) 2640060 Mobile:9496007382 E mail : [email protected]

PATHANAMTHITTA

1) AARANMULA (224) MELETHIL BUILDINGS, P.O. ARANMULA, PATHANAMTHITTA PIN-689533. Phone : (0468)2318783 Mobile:9447797224 E mail : [email protected]) ADOOR (57) PANTHALA SHOPPING COMPLEX, FIRST FLOOR, NEAR KSRTC BUS STAND, P.B.NO.5, ADOOR, PATHANAMTHITTA DT., PIN691523 Phone : (04734)224867 Mobile:9447797057 E mail : [email protected]) ADOOR II (437) FIRST FLOOR, CITY CENTRE BUILDING, NEAR MARKET JN, M.C.ROAD, ADOOR, PATHANAMTHITTA-691523 Phone : (04734) 227703 Mobile:9400028437 E mail : [email protected]) CHITTAR (363) MEMANA BUILDING, MARKET JUCTION, CHITTAR.P.O. PATHANAMTHITTA, PIN-689663 Phone : 04735 - 255363 Mobile:9496007363 E mail : [email protected]) EANATH (237) ALAPPAT ARCADE, EANATH, PATHANAMTHITTA PIN-691526 Phone : (04734)213465 Mobile:9447797237 E mail : [email protected]) KADAMBANAD (236) K.R.KRISHNA PILLAI MEMORIAL BUILDING, P.O.KADAMBANAD SOUTH, PATHANAMTHITTA, PIN-691553. Phone:(04734)284989

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Mobile:9447797236 E mail : [email protected]) KALANJOOR (404) GROUND FLOOR, SIVA SAKTHI AUDITORIUM (SS AUDITORIUM) NEAR KALANJOOR TEMPLE KALANJOOR.P.O. PATHANAMTHITTA-689694 Phone:(04734)270190 Mobile:9400027404 E mail : [email protected]) KODUMON (278) KANDANALLUR BUILDING GROUND FLOOR KODUMON.P.O. PATHANAMTHITTA DT PIN-691555 Phone : 04734-280737 Mobile:9446006278 E mail : [email protected]) KONNI (161) ELANJIKKAL BUILDING, POST OFFICE ROAD, KONNI. PATHANAMTHITTA PIN-689691 Phone : (0468) 2242417 Mobile:9447797161 E mail : [email protected]) KOZHENCHERY (131) THOLLAYIRAKUZHI ANUGRAHA COMPLEX, 1ST FLOOR, COLLEGE ROAD, KOZHENCHERY P.O., PATHANAMTHITTA PIN-689641 Phone : (0468) 2214012 Mobile:9447797131 E mail : [email protected]) KULANADA (439) FIRST FLOOR OPP.PANCHAYATH OFFICE KULANADA.P.O. PATHANAMTHITTA-689503 Phone : (04734) 260288 Mobile:9400028439 Email:[email protected]) MALLAPPALLY (243) PRAYATTUKUNNEL SHOPPING ARCHADE, FIRST FLOOR, P.O. MALLAPPALLY, PATHANAMTHITTA PIN-689585 Phone:(0469)2681539 Mobile:9447797243 E mail : [email protected]) PANDALAM (74) BUILDING NO:657/XVI. KOIPURATHU BUILDING, P.B.NO.22, PANDALAM PO, PATHANAM THITTA,

PIN689501 Phone : (04734)252417 Mobile:9447797074 E mail : [email protected]) PARAKODE (472) 1ST FLOOR, KAVINTE THEKKETHIL BUILDING NEAR SBT, PARAKODE.P.O. PATHANAMTHITTA-691554 Phone : (04734) 216333 Mobile:9400028472 E mail : [email protected]) PATHANAMTHITTA (33) KUZHIYIL BUILDING OPPO MUNICIPAL OFFICE MARKET ROAD, P.B.NO.56 PATHANAMTHITTA P.O. PATHANAMTHITTA-689645 Phone : (0468) 2222436 Mobile:9447797033 E mail : [email protected]) PATHANAMTHITTA II (321) N.S.S UNION BUILDING PATHANAMTHITTA.P.O. PATHANAMTHITTA PIN-689645 Phone : 0468-2325511` Mobile:9496005321 E mail : [email protected]) PAZHAKKULAM (347) GEETHANJALI BUILDING PAZHAKULAM PO ADOOR (VIA) PATHANAMTHITTA PIN-691527 Phone : 04734-237622 Mobile:9496013347 E mail : [email protected] 18) PURAMATTOM (137) NEERUVILAYIL BUILDING PURAMATTOM P.O., PATHANAMTHITTA PIN-689543 Phone:(0469)2665690 Mobile:9447797137 E mail : [email protected]) RANNI (98) PANAVELIL BUILDINGS, PAZHAVANGADI P.O., RANNI PATHANAMTHITTA PIN-689673 Phone:(04735)226629 Mobile:9447797098 Email:[email protected]) RANNI-PERUNADU (458) 1ST FLOOR, PANCHAYAT SHOPPING COMPLEX, MADTHUMMOOZHY, RANNI-PERUNADU.P.O. PATHANAMTHITTA-689711 Phone : (04735) 241200 Mobile:9400028458 E mail : [email protected]

21) THADIYOOR (483) 1ST FLOOR, THOTTAVALLIL PADMALAYAM BUILDING THADIYOOR.P.O. PATHANAMTHITTA Phone:(0469)2655151 Mobile:9400028483 E mail : [email protected]) THIRUVALLA (28) BSNL ARCADE, B/H HEAD POST OFFICE CROSS JUNCTION, THIRUVALLA, PATHANAMTHITTA PIN689101 Phone:(0469)2702915 Mobile:9447797028 E mail : [email protected]) VADASSERIKKARA (457) 1ST FLOOR, MUNDAPLACKAL BUILDING SABARIMALA ROAD, VADASSERIKARA.P.O. PATHANAMTHITTA-689662 Phone : (04735) 250200 Mobile:9400028457 E mail : [email protected]) VECHOOCHIRA (459) 1ST FLOOR REEJA COMPLEX MARKET JN., VECHOOCHIRA.P.O. PATHANAMTHITTA 686511 Phone : (04735) 266265 Mobile:9400028459 Email:[email protected]

ALAPPUZHA

1) ALAPPUZHA (EVENING) (230) NALUKETTU COMPLEX, ZERO JUNCTION, ALAPPUZHA. PIN - 688 011 Phone : (0477) 2238623 Mobile:9447797230 E mail : [email protected]) ALAPPUZHA IV (408) 1ST FLOOR ACJ MANSION BUILDING NORTH EAST OF CIVIL STATION NEAR KANNAN VARKEY BRIDGE, ALAPPUZHA - 688 001 Mobile:9400028408 E mail : [email protected]) ALAPPUZHA-I (7) TRAVANCORE DEVASWOM BOARD BLDG., MULLAKKAL, ALAPPUZHA PIN - 688 001 Phone : (0477) 2252273

Mobile:9447797007 E mail : [email protected]) ALAPPUZHA-II (68) S.T.R. BUILDING, C.C.N.B. ROAD, NEAR IRON BRIDGE, ALAPPUZHA PIN 688001 Phone : (0477) 2252257 Mobile:9447797068 E mail : [email protected]) ALAPPUZHA-III (120) SUHARA COMPLEX, NORTH OF VELLAKKINAR JUNCTION, CIVIL STATION WARD, ALAPPUZHA 688 001 Phone : (0477) 2261753 Mobile:9447797120 E mail : [email protected]) AMBALAPUZHA (77) FIRST FLOOR, VYAPARI BHAVAN NEAR POST OFFICE AMBALAPUZHA.P.O. ALAPPUZHA DT PIN - 688 561 Phone : (0477) 2272282 Mobile:9447797077 E mail : [email protected] 7) AROOR (330) “ANJANAM “ BUILDINGS, FIRST FLOOR, TEMPLE JUNCTION, AROOR PO, CHERTHALA ALAPPUZHA 688 534 Phone : 0478-2871166 Mobile:9496013330 E mail : [email protected]) CHARUMMOODU (245) VALIYAVILAYIL HAJI M. KHAN SAHIB - MEMORIAL BUILDING, CHARUMMOODU P.O., PIN690505 Phone:(0479)2380800 Mobile:9447797245 E mail : [email protected]) CHENGANNUR (81) IST FLOOR, DB COMMERCIAL CENTRE GOVT.HOSPITAL JN, CHENGANNUR.P.O. ALAPPUZHA,PIN-689121 Phone:(0479)2452941 Mobile:9447797081 E mail : [email protected]) CHERTHALA EVENING (377) PRABHU TOWERS C.M.C. 27, T.D. ROAD, CHERTHALA.P.O. ALAPPUZHA DT PIN - 688 524

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Phone : 0478 - 2812053 Mobile:9496007377 E mail : [email protected] 11) CHERTHALA-I (40) NEAR K.S.R.T.C. BUS STAND, CHERTHALA, ALAPUZHA DT., PIN 688524 Phone : (0478) 2813053 Mobile:9447797040 E mail : [email protected]) CHERTHALA-II (206) RAJESWARI TOWERS, C.M.C.IV-238 B OPP PRIVATE BUS STAND P.O.CHERTHALA ALAPPUZHA - 688 524 Phone : (0478) 2816053 Mobile:9447797206 E mail : [email protected]) EDATHUA (204) KARIMPALIL BUILDING, IIND FLOOR, EDATHUA, PIN-689573. Phone : (0477) 2214268 Mobile:9447797204 E mail : [email protected] 14) HARIPAD (60) ALAMPALLIL BUILDING, NEAR KSRTC BUS STAND, HARIPAD P.O. ALAPPUZHA,PIN-690514 Phone:(0479)2412792 Mobile:9447797060 E mail : [email protected]) HARIPAD II (498) 1ST FLOOR, ACE 2 BUILDING NORTH OF KACHERI JN. HARIPAD.P.O. ALAPUZHA-690514. Phone:(0479)2418498 Mobile:9400028498 Email:[email protected]) KALARCODE (495) 1ST FLOOR KONISSERIL BUILDING OPPOSITE SD COLLEGE SANADANAPURAM.P.O. ALAPPUZHA - 688 003 Phone:04772267495 Mobile:9400028495 Email:[email protected]) KALAVOOR (301) CHILLORA BUILDING KALAVOOR.P.O ALAPPUZHA PIN - 688 522 Phone:(0477)-2291799 Mobile:9496005301 E mail : [email protected]) KAMBISSERY (263) 5/56 Q RAJADHANI COMPLEX

KAMBISSERY JUNCTION VALLIKUNNAM P.O, ALAPPUZHA PIN690501 Phone:0479-2338802 Mobile:9447183263 E mail : [email protected]) KARUVATTA (509) 1ST FLOOR REVATHY - KAMALA TOWERS, NEAR T.B. JUNCTION, KARUVATA .P.O ALAPPUZHA-690517 Phone:(0479)2491991 Mobile:9400027509 Email:[email protected])KATTANAM (146) 1ST FLOOR, GANDHI TOWER, KATTANAM, PALLIKKAL PO, ALAPUZHA,PIN-690503 Phone:(0479)2332088 Mobile:9447797146 E mail : [email protected]) KAYAMKULAM (26) C.N. TOURIST HOME BUILDING, COURT ROAD, KAYAMKULAM, ALAPUZHA,PIN690502 Phone:(0479)2442416 Mobile:9447797026 E mail : [email protected]) KAYAMKULAM II (386) S.N.D.P YOGAM BUILDING, OPPOSITE OF GOVT.GIRLS H.S.S KAYAMKULAM P.O. ALAPPUZHA PIN-690502 Phone:(0479)2441880 Mobile:9496007386 E mail : [email protected] 23) KUTHIATHODE (158) CHIRAYINMEL BUILDINGS, KUTHIATHODE.P.O CHERTHALA ALAPPUZHA PIN - 688 533 Phone : (0478) 2562856 Mobile:9447797158 E mail : [email protected]) LOAN UNIT, ALAPPUZHA (126) KUMARANASAN SMARAKA MANDIRAM, COURT ROAD, ALAPPUZHA PIN - 688001 Phone:(0477)2252293 Mobile:9447797126 E mail : [email protected]) MANNANCHERY (420) 1ST FLOOR ST.MARY’S SHOPPING

COMPLEX MANNANCHERY.P.O. ALAPPUZHA PIN - 688 538 Phone:(0477)2291969 Mobile:9400028420 E mail : [email protected]) MANNAR (171) PUTHENPURAYIL BUILDING, NEAR MUSLIM MASJID, MANNAR P.O., ALAPPUZHA PIN-689622 Phone:(0479)2315882 Mobile:9447797171 E mail : [email protected]) MAVELIKARA II (422) GROUND FLOOR KAILASAMADAM COMPLEX KANDIYOOR THEKKENADA THATTARAMBALAM.P.O. MAVELIKARA, ALAPPUZHA-690103 Phone:(0479)2307070 Mobile:9400028422 E mail : [email protected]) MAVELIKKARA (21) TRAVANCORE DEVASWOM BOARD BUILDING, (IST FLOOR), P.B.NO.20, NEAR K.S.R.T.C. BUS STATION, MAVELIKARA, ALAPUZHA-690101 Phone:(0479)2302434 Mobile:9447797021 E mail : [email protected]) MUHAMMA (249) ROSE BUILDING, NORTH OF MUHAMMA JUNCTION, MUHAMMA, ALAPPUZHA - 688 525 Phone : (0478) 2861123 Mobile:9447797249 Email:[email protected]) MUTHUKULAM (505) 1ST FLOOR THUSHARA ENCLAVE MUTHUKULAM NORTH, CHEPPADU.P.O. ALAPUZHA-690507 Phone:(0479)2476053 Mobile:9400027505 E mail : [email protected]) NOORANAD (461) 1ST FLOOR, DIVAKARAN MEMORIAL SHOPPING COMPLEX, NOORANAD.P.O ALAPUZHA-690504 Phone:(0479)2387955 Mobile:9400028461 E mail : [email protected]

32) POOCHAKKAL (250) KOTTIUATT BUILDING NEAR POOCHAKKAL BRIDGE POOCHAKKAL-688 526 Phone : (0478) 2523400 Mobile:9447797250 E mail : [email protected]) PUNNAPRA (356) PARATHARA BUILDING NEAR SBT, MARKET ROAD, PUNNAPRA.P.O., ALAPPUZHA PIN 688 004 Phone : (0477) 2286262 Mobile:9496013356 E mail : [email protected] 34) S.L.PURAM (421) 1ST FLOOR J.S.SQUARE BUILDINGS S.L.PURAM.P.O. ALAPPUZHA, PIN - 688 523 Phone : (0478) 2860353 Mobile:9400028421 E mail : [email protected]) THEKKEKKARA (232) NSS BUILDING, THEKKEKARA.P.O, ALAPPUZHA, PIN - 688 503. Phone : (0477) 2706677 Mobile:9447797232 E mail : [email protected]) THRIKUNNAPUZHA (308) NEAR GOVT.HOSPITAL T.K.P.10/1531 THRIKUNNAPUZHA P.O. ALAPPUZHA690515 Phone:0479-2483222 Mobile:9496005308 E mail : [email protected]) THURAVOOR (391) IST FLOOR DEVAKI TOWERS THURAVOOR.P.O. CHERTHALA, ALAPPUZHA Phone : (0478) 2565050 Mobile:9496007391 Email:[email protected]) VENMONY (261) N.S.S. KARAYOGAM BUILDING, KALAYATHARA, VENMONY ALAPPUZHA-689509 Phone:(0479)2352626 Mobile:9447177261 E mail : [email protected]

KOTTAYAM

1) ATHIRAMPUZHA (329) PANNACKAL BUILDINGS, MARKET JUNCTION ATHIRAMPUZHA.P.O KOTTAYAM, PIN - 686 562

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Phone : (0481) 2732737 Mobile:9496005329 Email:[email protected]) AYARKUNNAM (148) KUNNAPPALLIYIL BUILDING (IST FLOOR), P.O.AYARKUNNAM KOTTAYM, PIN - 686 564 Phone : (0481) 2543003 Mobile:9447797148 E mail : [email protected]) BHARANANGANAM (328) VADAKEL BUILDING BHARANANGANAM PO KOTTAYAM PIN - 686578 Phone : 04822 - 238664 Mobile:9496005328 E mail : [email protected] 4) CHANGANASSERY (22) MENACHIL PLAZA, IIND FLOOR, MC ROAD, PERUNNA, CHANGANACHERRY, KOTTAYAM PIN - 686 102 Phone : (0481) 2421053 Mobile:9447797022 E mail : [email protected] 5) CHANGANASSERY II (315) MARETTE TOWER PALACE ROAD CHANGANASSERY KOTTAYAM PIN - 686 101 Phone:0481-2422933 Mobile:9496005315 E mail : [email protected] 6) CHINGAVANAM (497) 1ST FLOOR, BROTHERS TOWER, CHINGAVANAM.P.O. KOTTAYAM - 686 531 Phone : (0481) 2435215 Mobile:9400028497 Email:[email protected]) ELIKKULAM (500) 1ST FLOOR BHARATHEEYAM BUILDING, OPP.ELIKULAM PANCHAYATH BUILDING, KOORALI.P.O. KOTTAYAM - 686 522 Phone : (04828) 226227 Mobile:9400027500 E mail : [email protected] 8) ERATTUPETTAH (104) CHIRAMEL BUILDING, KADUVAMOOZHY, ERATTUPETTA, KOTTAYAM PIN - 686 121 Phone : (0482) 2273035 Mobile:9447797104 E mail : [email protected]

9) ERUMELI (293) CHALAKUZHIYIL COMPLEX BUS STAND ROAD, ERUMELI.P.O. KOTTAYAM PIN:686509 Phone : 04828-211355 Mobile:9446006293 Email:[email protected]) ETTUMANOOR (108) MANJUNADH BUILDING, KOVILAPADAM ROAD NEAR ETTUMANOOR TEMPLE (WEST GATE) ETTUMANNOOR.P.O. KOTTAYAM- 686631 Phone : (0481) 2537856 Mobile:9447797108 E mail : [email protected] 11) KADUTHURUTHY (118) S.N.D.P. BUILDING, 1ST FLOOR, KADUTHURUTHY, KOTTAYAM, PIN - 686 604 Phone:(04829)282976 Mobile:9447797118 E mail : [email protected]

12) KALLARA (KOTTAYAM) (479) FIRST FLOOR ILLIPARAMBIL BUILDING, 3/286 A, NEAR THEATRE JN. KALLARA SOUTH.P.O. KOTTAYAM - 686 611. Phone:(04829)267077 Mobile:9400028479 Email:[email protected]) KANJIRAPPALLY (62) K.P.VIII 687 G KALLUMKAL COMPLEX, 1ST FLOOR, PETTA JUNCTION KANJIRAPALLY, KOTTAYAM Dt. PIN 686 507 Phone : (04828)202340 Mobile:9447797062 E mail : [email protected] 14) KARUKACHAL (129) MANJIAPPALLIL BUILDING, VAZHOOR ROAD, KARUKACHAL P.O., KOTTAYAM PIN - 686540 Phone : (0481) 2485362 Mobile:9447797129 Email:[email protected]) KIDANGUR (436) FIRST FLOOR, SREEMURUGAN BUILDING HIGHWAY JN, KIDANGOOR.P.O. KOTTAYAM - 686 572

Phone:(04822)254190 Mobile:9400028436 E mail : [email protected] 16) KOLLAPALLY (499) 1ST FLOOR, PLATHOTTAM PLAZA ANTHINADU.P.O. KOLLAPPALLY KOTTAYAM - 686 561 Phone : (04822) 247500 Mobile:9400028499 Email:[email protected]) KOTTAYAM (9) K.O. VARGHESE MEMORIAL BUILDING, BAKER JUNCTION, KOTTAYAM, PIN 686001 Phone : (0481) 2567057 Mobile:9447797009 Email:[email protected]) KOTTAYAM II (116) ST.ANTONY’S COMPLEX, IST FLOOR, NEAR PRIVATE BUS STAND, P.B.NO.729,NAGAMPADOM, KOTTAYAM PIN - 686001 Phone : (0481) 2564681 Mobile:9447797116 E mail : [email protected] 19) KOTTAYAM (EVENING) (213) P.B.NO. 714, THADATHIL BUILDINGS, THADATHIL BUILDINGS, NEAR CENTRAL JN,01. T.B.ROAD, THIRUNAKKARA KOTTAYAM - 686 001 Phone : (0481) 2302373 Mobile:9447797213 E mail : [email protected] 20) KOZHUVANAL (470) 1ST FLOOR, POOVAKULAM BUILDINGS KUZHUVANAL.P.O. KOTTAYAM -686 573 Phone : (04822) 267630 Mobile:9400028470 E mail : [email protected] 21) KUMARAKAM (285) MELUVALLIL BUILDINGS KUMARAKOM P.O. KOTTAYAM PIN - 686 563 Phone : (0481) 2526317 Mobile:9446006285 E mail : [email protected] 22) KURAVILANGAD (65) IST FLOOR, KALAMBUKATTUSSERY BLDG., OPP. PRIVATE BUS STAND, KURAVILANGAD, KOTTAYAM

PIN 686633 Phone : (0482) 2230380 Mobile:9447797065 E mail : [email protected] 23) KURUPPANTHARA (376) 1ST FLOOR, ST.XAVIERS CHURCH SHOPPING COMPLEX, MANNARAPPARA, MARKET ROAD, MANJOOR.P.O., KOTTAYAM PIN - 686 603 Phone:04829-242510 Mobile:9496007376 E mail : [email protected] 24) LOAN UNIT, KOTTAYAM (151) M.D. COMMERCIAL CENTRE, IST FLOOR, K.K.ROAD, KOTTAYAM, PIN - 686001 Phone : (0481) 2562617 Mobile:9447797151 E mail : [email protected] 25) MANARCAD (297) KOCHUPARANGOTTU BUILDING, NEAR PRIVATE BUS STAND MANARCAD, KOTTAYAM-686019 Phone : (0481) 2372665 Mobile:9496006297 Email:[email protected]

26) MANIMALA (316) MANIMALA PANCHAYATH BUS STND SHOPPING COMPLEX, MANIMALA P.O. KOTTAYAM PIN 686 543 Phone:(04828)-240194 Mobile:9496005316 E mail : [email protected]) MEDICAL COLLEGE (KOTTAYAM) (233) PEE CEE COMPLEX, SAMKRANTHI PERUMBAIKAD.P.O. KOTTAYAM - 686 028 Phone:(0481)2598162 Mobile:9447797233 E mail : [email protected] 28) MOONILAVU (487) 1ST FLOOR, PARAKKAL BUILDING NEAR FEDERAL BANK, MOONNILAVU.P.O. KOTTAYAM - 686 586 Phone : (04822) 286035 Mobile:9400028487 E mail : [email protected] 29) MUNDAKKAYAM (258) POTTAMKULAM TOURIST COMPLEX,

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KOTTICKAL ROAD, P.O.MUNDAKAYAM KOTTAYAM - 686 513 Phone : (04828)274142 Mobile:9447177258 E mail : [email protected] 30) NEDUMKUNNAM (460) 1ST FLOOR, PADINJAREMURIYIL BUILDING, OPP.SOUTH INDIAN BANK, NEDUMKUNNAM.P.O. KOTTAYAM - 686 542 Phone : (0481) 2415460 Mobile:9400028460 E mail : [email protected] 31) PAIKA (395) 1ST FLOOR, KUNNAPPALLIL BUILDINGS POOVARANI.P.O., PAIKA KOTTAYAM 686 577 Phone : (04822) 225577 Mobile:9496007395 Email:[email protected]) PALA (23) KATTAKKAYAM KUNJAMMA TOWERS NEAR LALAM BUILDING PALA.P.O, KOTTAYAM PIN - 686 575 Phone : (0482) 2212617 Mobile:9447797023 E mail : [email protected] 33) PALA II (462) VETTUKALLEL ARCADE OPPOSITE INDIAN OIL PUMP KOTTARAMATTAM, ARUNAPURAM.P.O., PALA KOTTAYAM - 686 575 Phone : (0482) 2213617 Mobile:9400028462 E mail : [email protected] 34) PALLIKATHODE (117) KARTHA’S BUILDING, ANICKADU P.O., KOTTAYAM PIN - 686503 Phone : (0481) 2551108 Mobile:9447797117 E mail : [email protected] 35) PAMPADY (238) 1ST FLOOR, KADAVUMBHAGOM COMPLEX OPP.POLICE STATION, P.O.PAMPADY KOTTAYAM - 656 502 Phone : (0481) 2500800 Mobile:9447797238 E mail : [email protected] 36) PARUTHUMPARA (257) 1ST FLOOR, MOOZHIPARA COMPLEX (NEAR PETROL PUMP) KUZHIMATTOM.P.O.,

PARUTHUMPARA KOTTAYAM, PIN - 686 533 Phone:0481-2331911 Mobile:9447179257 E mail : [email protected] 37) PERUVA (413) 1ST FLOOR, MANTHANATH ARCADE, NEAR TELECOM OFFICE, PERUVA.P.O., KOTTAYAM 686 610 Phone:(04829)251402 Mobile:9400028413 E mail : [email protected] 38) PONKUNNAM (174) KOLLAMKULAM BUILDINGS, P.B.NO.18, K.K. ROAD, PONKUNNAM P.O. KOTTAYAM PIN - 686 506 Phone:(04828)222559 Mobile:9447797174 E mail : [email protected] 39) POONJAR THEKKEKARA (510) 1ST FLOOR, PERUMPALLIL ARCADE POONJAR SOUTH.P.O. KOTTAYAM PIN - 686 582 Phone : (04822) 274780 Mobile:9400027510 E mail : [email protected]

40) PUTHUPALLY (66) 2ND FLOOR, JANAKI MANDIRAM., NEAR PRIVATE BUS STAND, PUTHUPPALLY PO., KOTTAYAM PIN 686011, Phone:(0481)2351795 Mobile:9447797066 E mail : [email protected] 41) RAMAPURAM (364) MICHAEL’S PLAZA SHOPPING COMPLEX RAMAPURAM BAZAR PO KOTTAYAM, PIN 686576 Phone : 04822-262245 Mobile:9496007364 E mail : [email protected]

42) THALAYOLAPARAMBU (189) ANAPARAMBIL BUILDINGS, NEAR PRIVATE BUS STAND THALAYOLAPARAMBU P.O., PIN - 686 605 Phone:(04829)236488 Mobile:9447797189 Email:[email protected]) THENGANA (283) NALPATHAMKALAM BUILDING, THENGANA,

PERUMPANACHY.P.O. CHANGANASSERY, KOTTAYAM PIN - 686 536 Phone : (0481) 2471815 Mobile:9446006283 E mail : [email protected] 44) THRIKODITHANAM (466) 1ST FLOOR HRISHIKESH BUILDING THRIKODITHANAM.P.O. CHANGANASSERY KOTTYAM - 686 105 Phone:(0481)2440094 Mobile:9400028466 E mail : [email protected] 45) UZHAVOOR (304) PUTHIYAKKUNNEL SHOPPING COMPLEX UZHAVOOR.P.O KOTTAYAM PIN - 686 634 Phone:0482-2249303 Mobile:9496005304 E mail : [email protected]) VAIKOM (41) MUNICIPAL SHOPPING COMPLEX BLDG., KACHERIKAVALA, VAIKOM, KOTTAYAM PIN 686141 Phone:(04829)231511 Mobile:9447797041 E mail : [email protected] 47) VAIKOM TOLL JUNCTION (361) UDUPPI SREEKRISHNA BHAVAN BUILDING FIRST FLOOR K.S. MANGALAM.P.O. VAIKOM, KOTTAYAM PIN - 686 608 Phone:(04829)272995 Mobile:9496007361 E mail : [email protected] 48) VAKATHANAM (496) 1ST FLOOR KUNNAKULAM BUILDINGS, NJALIYAKUZHY, VAKATHANAM.P.O. KOTTAYAM- 686 538 Phone:(0481)2463496 Mobile:9400028496 Email:[email protected]) VAZHOOR (380) PANACHICKAL BUILDING NEAR BSNL OFFICE VAZHOOR P.O. KOTTAYAM PIN - 686 504 Phone : (0481) 2458780 Mobile:9496007380 E mail : [email protected]

IDUKKI

1) ADIMALY (259) ST.GEORGE CHURCH BUILDING, KALLARKUTTY ROAD, ADIMALY, IDUKKI - 685 561 Phone : (04864) 223864 Mobile:9447798259 E-mail:[email protected]) CHERUTHONI (333) VYAPARA BHAVAN BUILDINGS CHERUTHONI, IDUKKI COLONY PO IDUKKI, PIN - 685 602 Phone : (04862)-236126 Mobile:9496043333 E mail : [email protected] 3) KANJHIKUZHI (476) 1ST FLOOR, PONNAPPALA BUILDING OPP.BUS STAND, KANJHIKUZHI IDUKKI - 685 606 Phone : (04862) 238004 Mobile:9400028476 E mail : [email protected] 4) KARIMANNUR (454) 1ST FLOOR, MARATTIL BUILDING, OPP.GOVT.L.P.SCHOOL, KARIMANNOOR, IDUKKI - 685 581 Phone : (0486) 2261136 Mobile:9400028454 E mail : [email protected] 5) KATTAPANA (63) ELAVANTHICKAL SHOPPING COMPLEX, P.B.NO.11, KATTAPPANA PO., IDUKKI, PIN 685508 Phone : (04868)272521 Mobile:9447770063 E mail : [email protected] 6) KUMILY (298) DUBAI COMPLEX KULATHUPALAM, IDUKKI PIN:685509 Phone:(04869)224770 Mobile:9496006298 Email:[email protected]

7) MUTTOM (266) CHAMAKKALAYIL BUILDING P.O. MUTTOM THODUPUZHA IDUKKI - 685587 Phone : (04862)257508 Mobile:9447792266 E mail : [email protected]

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8) NEDUMKANDAM (306) CHERUVALLIYIL BUILDING, NEDUMKANDOM CENTRAL JUNCTION, NEDUMKANDOM PO IDUKKI 685 553 Phone : 04868-233170 Mobile:9496005306 E mail : [email protected] 9) RAJAKUMARI (369) G.S. COMPLEX, RAJAKUMARI SOUTH.P.O. RAJAKUMARI, IDUKKI. PIN-685619 Phone : (04868) 244144 Mobile:9496007369 Email:[email protected]) THANKAMANI (488) 1ST FLOOR, AMBATT BUILDING PALLIKAVALA, THANKAMONY.P.O. IDUKKI-685609 Phone : (04868) 275050 Mobile:9400028488 E mail : [email protected] 11) THODUPUZHA (13) PULIMOOTTIL SHOPPING ARCADE, MUVATTUPUZHA ROAD, P.B.NO.14, THODUPUZHA, IDUKKI 685 583 Phone : (04862)222240 Mobile:9447797013 E mail : [email protected]) THODUPUZHA II (346) KALLEL SHOPPING COM-PLEX NEAR PVT.BUS STAND PALA ROAD, THODUPUZHA IDUKKI, PIN - 685 584 Phone : 0486-2224215 Mobile:9496013346 E mail : [email protected] 13) THOPPRAMKUDY (489) 1ST FLOOR, KUNNEL BUILD-ING RAJAMUDY ROAD THOPRAMKUDY.P.O. IDUKKI-685609 Phone : (04868) 264060 Mobile:9400028489 Email:[email protected]) VANNAPURAM (359) KODAMULLIL TOWERS VANNAPURAM.P.O. IDUKKI, PIN 685607 Phone : (04862) 245111 Mobile:9496013359 Email:[email protected]) VAZHITHALA (490) 1ST FLOOR, CHENTHADIYIL BUILDING

VAZHITHALA.P.O. THODUPUZHA IDUKKI - 685 583 Phone:(04862)273293 Mobile:9400028490 Email:[email protected]

ERNAKULAM

1) ADIVADU (475) MANGALATH PARAMBIL BUILDING, ADIVAD JN, PALLARIMANGALAM.P.O. ERNAKULAM - 686 671 Phone : (0485) 2564344 Mobile:9400028475 E mail : [email protected] 2) ALANGAD (284) K.D.M.M BUILDING ALANGAD JN., ALANGAD.P.O. ERNAKULAM - 683 511 Phone : (0484)2671616 Mobile:9446006284 E mail : [email protected] 3) ALUVA (35) POST BOX NO. 71, RAILWAY STATION ROAD, ALUVA, ERNAKULAM PIN 683101 Phone : (0484) 2624287 Mobile:9447797035 E mail : [email protected] 4) ALUVA II (317) NEAR GOVT HOSPITAL PUTHUSSERY COMPLEX ALUVA, ERNAKULAM PIN - 683 101 Phone : (0484) 2622332 Mobile:9496005317 E mail : [email protected] 5) ANGAMALY (53) ST.GEORGE SHOPPING COMPLEX, IIND FLOOR, ALUVA ROAD, ANGAMALAY, ERNAKULAM PIN 683572 Phone : (0484) 2452683 Mobile:9447797053 E mail : [email protected] 6) ANGAMALY II (322) HARISH TOWER NEW MARKET ROAD OPP.KSRTC BUS STAND, ANGAMALY ERNAKULAM Phone:(0484)2452983 Mobile:9496005322 E mail : [email protected] 7) ARAKKUNNAM (351) ST.GEORGE COMPLEX10/395A ARAKUNNAM JUNCTION

ERNAKULAM, PIN-682313 Phone:(0484)2749241 Mobile:9496013351 E mail : [email protected] 8) ARAYANKAVU (397) 1ST FLOOR BB BUILDINGS ARAYANKAVU KULAYATTIKKARA.P.O. ERNAKULAM Phone : (0484) 2746810 Mobile:9496007397 Email:[email protected]) ATHANI (276) 571 E/18, 1ST FLOOR THEKKAN TOWERS ATHANI-MANJALI ROAD ATHANI.P.O ERNAKULAM - 683 585 Phone:0484-2475939 Mobile:9446006276 E mail : [email protected] 10) CHELLANAM (299) TEENA STUDIO BUILDING, NEAR ST.SEBASTIAN’S CHURCH, P.O.NORTH CHELLANAM ERNAKULAM, PIN - 682 008 Phone : (0484)245134 Mobile:9496006299 Email:[email protected]) CHERAI (324) AL-FATAH COMPLEX NORTH PARUR ROAD CHERAI JUNCTION; CHERAI PO ERNAKULAM, PIN - 683 514 Phone : (0484) 248112 Mobile:9496005324 E mail : [email protected] 12) CHERANALLUR (89) VII-392,CHERANELLUR, KOCHI, ERNAKULAM, PIN 682034 Phone : (0484) 2430446 Mobile:9447797089 Email:[email protected]) DH ROAD,ERNAKULAM (99) THOTTUNGAL BUILDINGS, (NEAR R.V.CLUB) D.H.ROAD, M.G.ROAD SOUTH P.O., ERNAKULAM PIN - 682016 Phone : (0484) 2384054 Mobile:9447797099 Email:[email protected]) EDAPPALLY (450) 1ST FLOOR, PALLIPADAN THERESA CENTRE NEAR MAJ HOSPITAL

MARKET ROAD, EDAPALLY.P.O., KOCHI - 24 Phone : (0484) 2345615 Mobile:9400028450 E mail : [email protected]) ERNAKULAM (EVENING) (226) MORNING STAR BUILDING, KACHERIPADY, COCHIN - 682 018 Phone:(0484)2392188 Mobile:9447797226 E mail : [email protected] 16) ERNAKULAM KACHERIPADY (88) 41/3980,NEARST.ALBERT’S COLLEGE, I.S.PRESS BUILDING, 2ND FLOOR, BANERJI ROAD, KOCHI, ERNAKULAM PIN - 682 018 Phone:(0484)2390981 Mobile:9447797088 E mail : [email protected] 17) ERNAKULAM MAIN (10) OMANA BUILDING, NEAR PADMA, P.B.NO. 3582, JEWS STREET, ERNAKULAM, PIN 682035 Phone : (0484) 2351533 Mobile:9447797010 E mail : [email protected] 18) ERNAKULAM SOUTH (102) WISDOM COLLEGE BLDG. (2ND FLOOR), GOVT. GIRLS HIGH SCHOOL JUNCTION, CHITTOOR ROAD, ERNAKULAM SOUTH, ERNAKULAM, PIN - 682016 Phone:(0484)2376890 Mobile:9447797102 E mail : [email protected] 19) FORT COCHI (452) GROUND FLOOR, MSGR JOHN GOMEZ BUILDING, NEAR ST.PETER & PAUL CHURCH, AMARAVATHY, FORT KOCHI, KOCHI - 682 001 Phone : (0484) 2215402 Mobile:9400028452 E mail : [email protected] 20) KAKKANAD (207) KSFE BHAVAN GROUND FLOOR MAVELIPURAM, KAKKANAD ERNAKULAM - 682 030 Phone : (0484) 2426575 Mobile:9447797207

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E mail : [email protected] 21) KALADY (256) ALUKKAL SHOPPING COMPLEX, PERUMBAVOOR ROAD KALADY.P.O ERNAKULAM 683574 Phone:(0484)2698222 Mobile:9447796256 E mail : [email protected] 22) KALAMASSERY (142) CHANDRIKA T OURIST HOME BUILDING, PREMIER JUNCTION, NORTH KALAMASSERY, ERNAKULAM PO, PIN - 683104 Phone:(0484)2559141 Mobile:9447797142 E mail : [email protected] 23) KALLOORKAD (451) 1ST FLOOR PAICKATTU BUILDING, NEAR GROTTO JUNCTION, KALLOORKAD.P.O ERNAKULAM -686 668 Phone : (0485) 2287451 Mobile:9400028451 E mail : [email protected] 24) KALOOR (191) 1ST FLOOR, CENTRAL ARCADE,AZAD ROAD OPP.MATHRUBHOOMI KALOOR, ERNAKULAM - 682 017 Phone:(0484)2341897 Mobile:9447797191 Email:[email protected]) KARUKUTTY (387) PYNEDATH TOWER KARUKUTTY JN. KARUKUTTY.P.O. ERNAKULAM PIN - 683 576 Phone : (0484) 2613262 Mobile:9496007387 E mail : [email protected] 26) KEERAMPARA (449) 1ST FLOOR, VENGASSERIL BUILDING, NEAR ST.STEPHENS HSS KEERAMPARA.P.O. ERNAKULAM - 686 681 Phone:(0485)2570349 Mobile:9400028449 Email:[email protected]) KIZHAKKAMBALAM (354) MUTTUVANCHERY BUILD-ING NEAR MARKET, KIZHAKKAMBALAM P.O. ERNAKULAM PIN 683 562

Phone : 0484 2682034 Mobile:9496013354 E mail : [email protected] 28) KOLENCHERY (134) NEAR ST. PETERS COLLEGE, MUVATTUPUZHA ROAD, KOLENCHERY PO, ERNAKULAM PIN - 682311 Phone : (0484) 2760272 Mobile:9447797134 E mail : [email protected] 29) KOOTHATTUKULAM (186) PADSON CHAMBERS, 2ND FLOOR, JEWEL JUNCTION, KOOTHATTUKULAM, KOOTHATTUKULAM.P.O. ERNAKULAM - 686 662 Phone : (0485) 2253657 Mobile:9447797186 E mail : [email protected] 30) KOOOVAPADY (508) 1ST FLOOR NEDUMKANDATHIL ARCADE THOTTUVA JUNCTION KOOVAPADY .P.O KODANAD VIA, ERNAKULAM - 683544 Phone : (0484) 2642774 Mobile:9400027508 E mail : [email protected] 31) KOTHAMANGALAM (103) POONOLLY BUILDING, FIRST FLOOR, BASIL JUNCTION KOTHAMANGALAM.P.O., ERNAKULAM,PIN-686691 Phone : (0485) 2860015 Mobile:9447797103 E mail : [email protected] 32) KUMBALANGI (241) SUBISH MEMORIAL BUILDING, NEAR ILLIKKAL TEMPLE, P.O. KUMBALANGHI ERNAKULAM- 682 007. Phone : (0484) 2241055 Mobile:9447797241 E mail : [email protected] 33) KURUMASSERY (412) 1ST FLOOR SREELAKSHMI BUILDING NO.302 B, KURUMASSERY.P.O. ERNAKULAM,PIN-683579 Mobile:9400028412 E mail : [email protected] 34) KURUPPAMPADI (277) DR.K.C.MATHEW MEMORIAL BUILDING, A.M.ROAD, KURUPPAMPADI.P.O.

ERNAKULAM PIN - 683 545 Phone:0484-2593575 Mobile:9446006277 E mail : [email protected] 35) MANJAPRA (389) MANGALI TOWER 1ST FLOOR PULLATHAN JN MANJAPRA.P.O. ERNAKULAM - 683 581 Phone:(0484)2690944 Mobile:9496007389 Email:[email protected]) MOOKKANNUR (352) PUTHUSSERY BUILDING PALA JUNCTION MOOKKANNUR P.O ERNAKULAM, PIN-683577 Phone : 0484 2615041 Mobile:9496013352 E mail : [email protected] 37) MOOTHAKUNNAM (209) MOOTHAKUNNAM P.O., ERNAKULAM PIN - 683 516. Phone : (0484) 2482178 Mobile:9447797209 Email:[email protected]) MULANTHURUTHY (240) EDAKKANCHERIL BUILDINGS, PALLITHAZHAM, P.O.MULANTHURUTHY, ERNAKULAM, PIN - 682 314. Phone : (0484) 2743800 Mobile:9447797240 E mail : [email protected] 39) MUPPATHADAM (444) 1ST FLOOR, KRISHNA ARCADE, NEAR GOVT.H.S., MUPPATHADOM.P.O. ERNAKULAM - 683 110 Phone:(0484)2559556 Mobile:9400028444 E mail : [email protected] 40) MUVATTUPUZHA (46) C.S.I SHOPPING COMPLEX, M.C.ROAD, NEAR POST OFFICE JUNCTION, MUVATTUPUZHA.P.O. ERNAKULAM - 686 661. Phone:(0485)2832986 Mobile:9447797046 E mail : [email protected] 41) NELLIKUZHI (474) 1ST FLOOR, KALAPARAMBIL BUILDING KALAPARAMBIL BUILDING PANCHAYATHUPPADY JN A.M.ROAD, NELLIKUZHI.P.O. ERNAKULAM-686691 Phone : (0485) 2822352

Mobile:9400028474 E mail : [email protected] 42) NJARAKKAL (147) PAPPU & MARIYAM BUILDING, (IST FLOOR), NJARAKKAL, ERNAKULAM. PIN - 682505 Phone:(0484)2492087 Mobile:9447797147 E mail : [email protected] 43) NORTH PARAVOOR (24) BUILDING NO. V/570 M.S.BUILDING, MUNICIPAL JN. NORTH PARUR.P.P. ERNAKULAM, PIN 683513 Phone:(0484)2442669 Mobile:9447797024 E mail : [email protected] 44) NORTH PARUR EVENING (379) BUILDINGNO.VIII/59 (2ND FLOOR) CHENDAMANGALAM JUNCTION NORTH PARUR.P.O. ERNAKULAM, PIN - 683 513 Phone:(0484)2445599 Mobile:9496007379 Email:[email protected]) PALARIVATTOM (54) POCUDIYIL BUILDING 2ND FLOOR, P ALARIVATTOM ERNAKULAM, PIN-682 025 Phone : (0484) 2344018 Mobile:9447797054 E mail : [email protected] 46) PALLURUTHY (253) V.N MEMORIAL BUILDINGS KACHERIPADY JUNCTION P.O PALLURUTHY KOCHI -682 006 Phone : (0484) 2233122 Mobile:9447797253 E mail : [email protected] 47) PATTIMATTOM (453) 1ST FLOOR, THOMSON COMPLEX, P.P.ROAD, PATTIMATTOM.P.O. ERNAKULAM - 683 562 Mobile:9400028453 E mail : [email protected] 48) PERUMBAVOOR (71) CHEMMANAM SQUARE 1ST FLOOR, P.P. ROAD, PERUMBAVOOR P.O. ERNAKULAM DT, PIN - 683 542 Phone : (0484) 2523175 Mobile:9447797071 E mail : [email protected] 49) PERUMBAVOOR II (375) MADAPPARAMBIL ARCADE

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OUSHADHI JUNCTION KALADY ROAD, PERUMBAVOOR.P.O. PIN - 683 542 Mobile:9496007375 E mail : [email protected] 50) PEZHAKKAPPILLY (340) VAZHACHALIL COMPLEX, BUILDING NO.XII/610 A PAIPRA JUNCTION, PEZHAKKAPPILLY P.O, MUVATTUPUZHA (VIA) ERNAKULAM - 686 674 Phone : (0485) 2813220 Mobile:9496013340 E mail : [email protected] 51) PIRAVAM (82) PULICKAL COMMERCIAL COMPLEX, PIRAVOM, ERNAKULAM DT., PIN 686664 Phone : (0485) 2242445 Mobile:9447797082 E mail : [email protected] 52) PRESS CLUB ROAD,ERNAKULAM (281) ANNA ARCADE, OPPOSITE PRESS CLUB, ERNAKULAM 682 011 Phone : (0484) 2384045 Mobile:9446006281 E mail : [email protected]

53) PUTHENCRUZ (478) 1ST FLOOR, PALACHUVATTIL BUILDING NEAR KSRTC BUS STAND PUTHENCRUZ.P.O. ERNAKULAM - 682 308 Mobile:9400028478 E mail : [email protected] 54) PUTHENVELIKKARA (360) MALAXY TOWER STATIONKADAVU ROAD PUTHENVELIKKARA P.O. ERNAKULAM-683594 Phone:(0484)2486900 Mobile:9496007360 E mail : [email protected] 55) RAMAMANGALAM (477) 1ST FLOOR, MATTATHIL BUILDING B.NO.12/126, GOVT.HOSPITAL JN, RAMAMANGALAM.P.O. ERNAKULAM - 686 663 Mobile:9400028477 E mail : [email protected] 56) RAVIPURAM (274) SANKARI BUILDING, 39/3930B,RAVIPURAMROAD NEAR SREEKRISHNA TEMPLE RAVIPURAM.P.O. KOCHI ERNAKULAM DIST.

Phone : (0484) 2356564. Mobile:9446006274 E mail : [email protected] 57) THEVARA (318) KANATT BUILDING 1ST FLOOR PANDIT KARAPPAN ROAD THEVARA.P.O. ERNAKULAM PIN - 682 013 Phone : (0484) 2665154 Mobile:9496005318 E mail : [email protected] 58) THIRUVAMKULAM (409) 1ST FLOOR PURAMATTATHIL BUILDING KESAVANPADY THIRUVAMKULAM.P.O. ERNAKULAM - 682 305 Mobile:9400028409 Email:[email protected]) THOPPUMPADY (75) 18/2454-B SABU CYPRIAN ARCADE, NORTH OF PARRY JN, THOPPUMPADY ROAD, KOCHI, ERNAKULAM DT., PIN 682005, Phone:(0484)2231498 Mobile:9447797075 E mail : [email protected] 60) THRIPUNITHURA (30) P.B.NO.19,EDAYALIL SHOPPING COMPLEX, RAILWAY STATION ROAD, EAST FORT, THRIPUNITHURA, ERNAKULAM DT., PIN - 682 301 Phone : (0484) 2777815 Mobile:9447797030 E mail : [email protected] 61) THRIPUNITHURA EVENING (362) MUNICIPAL SHOPPING COMPLEX LAYAMCBLOCK259/S1 LAYAM ROAD, STATUE JUNCTION TRIPUNITHURA ERNAKULAM 682 301 Phone : (0484) 2777875 Mobile:9496007362 E mail : [email protected] 62) UDAYAMPEROOR (336) KANNADITHARA BUILDINGS PUNNAKKAVELI POOTHOTTA P.O. ERNAKULAM DT PIN - 682 307 Phone:(0484)2794214 Mobile:9496013336 E mail : [email protected] 63) VARAPUZHA (358) VITHAYATHIL BUILDING MANNAMTHURUTH

VARAPPUZHA PO ERNAKULAM DT PIN 683 517 Phone : (0484) 2511850 Mobile:9496013358 E mail : [email protected] 64) VAZHAKKULAM (267) SWAPNA HOTEL BUIDING, 1ST FLOOR, VAZHAKULAM P.O., MUVATTUPUZHA (VIA) ERNAKULAM DISTRICT. PIN-686 670 Phone : 0485-2263178 Mobile:9447266267 E mail : [email protected] 65) VYTTILA (114) ROZY BAZAR, VYTTILA P.O., KOCHI, ERNAKULAM PIN-682019 Phone : (0484) 2304407 Mobile:9447797114 E mail : [email protected]

THRISSUR

1) ALOOR (406) 1ST FLOOR, VAZHAPPILLY BUILDING, MALA ROAD JN. ALOOR.P.O., THRISSUR PIN - 680 683 Mobile:9400019406 E mail : [email protected] 2) AYYANTHOLE (31) 1ST FLOOR, PEACE TOWER,AYYANTHOLE P.O., OPP. DISTRICT PANCHAYATH OFFFICE AYYANTHOLE P.O, PIN 680003 THRISSUR - 680 003 Phone:(0487)2360964 Mobile:9447797031 E mail : [email protected] 3) CHALAKUDY (19) MUNICIPAL BUS STAND BUILDING, SOUTH JUNCTION, CHALAKUDY, THRISSUR DT., PIN 680307 Phone : (0480) 2701685 Mobile:9447797019 Email:[email protected]) CHALAKUDY EVENING (357) PAUL ARCADE FIRST FLOOR R.S. ROAD, CHALAKUDY NORTH, THRISSUR DT, PIN 680 307 Phone:(0480)2709549 Mobile:9496013357 E mail : [email protected]

5) CHAVAKAD (468) 1ST FLOOR, CEE CEE TOWER, RICE BAZAR CHAVAKKAD.P.O. THRISSUR - 680 506 Phone:(0487)2509096 Mobile:9400028468 E mail : [email protected] 6) CHELAKKARA (176) 1ST FLOOR, COMALA TOW-ERS, OPPOSITE CIVIL STATION CHELAKKARA.P.O., THRISSIUR DT. PIN - 680 586 Phone : (04884)252458 Mobile:9447797176 E mail : [email protected] 7) CHEMBUKAVU (LU,TSR) (92) “BHADRATHA’, MUSEUM ROAD, CHEMBUKAVU, THRISSUR DT., PIN 680020 Phone : (0487) 2332255 Mobile:9447797092 Email:[email protected]) CHERPU (157) MALITHU TOWERS, THAYAMKULANGARA, CHERPU. P.O., THRISSUR DT PIN - 680 561 Phone : (0487) 2343702 Mobile:9447797157 E mail : [email protected]

9) ERUMAPETTY (325) LAKSHMI COMPLEX BUILDING KADANGODE ROAD JUNCTION ERUMAPETTY PO THRISSUR DT, PIN - 680584 Phone : (04885)267167 Mobile:9496005325 E mail : [email protected] 10) GURUVAYOOR (78) 2ND FLOOR VENU’S ENCLAVE NEAR RAILWAY GATE EAST NADA, GURUVAYUR THRISSUR - 680101 Mobile:9447797078 E mail : [email protected] 11) IRINJALAKUDA (39) NAKKARA COMPLEX, OPPOSITE TOWN HALL, NADA,IRINJALAKUDA, THRISSUR (DIST), PIN 680121 Phone : (0480) 2826827 Mobile:9447797039

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Email:[email protected]) KANDASSANKADAVU (431) FIRST FLOOR VALLUKARAN BUILDING OPP.ST.MARYS CHURCH, KANJANI VATANAPPILLY ROAD, KANDASSANKADAVU.P.O. THRISSUR 680 613 Phone : (0487) 2626244 Mobile:9400028431 E mail : [email protected] 13) KECHERI (215) K.T.C. SHOPPING COMPLEX,KECHERI, THRISSUR ROAD, THRISSUR DIST. - 680 501. Phone : (04885)242565 Mobile:9447797215 E mail : [email protected] 14) KODAKARA (164) 1 ST FLOOR, BUILDING NO.1/155 ‘O’, P.L. FRANCIS SMARAK BUILDINGS, KODAKARA.P.O. THRISSUR 680 684 Phone : (0480) 2720684 Mobile:9447797164 E mail : [email protected] 15) KODALI (432) FIRST FLOOR, CHELAMBATTASSERY TOWER, ALTHARA JN, PADY.P.O., KODALI, THRISSUR-680699 Phone : (0480) 2742450 Mobile:9400028432 E mail : [email protected] 16) KODUNGALLUR (61) CITY CENTRE BUILDING, P.B.NO.7, NORTH NADA, KODUNGALLUR P.O., ` THRISSUR DT., PIN 680664 Phone:(0480)2802938 Mobile:9447797061 E mail : [email protected] 17) KORATTY (344) VEEVEE COMPLEX PULIKKAKADAVU ROAD, KORATTY.P.O THRISSUR DT PIN - 680308 Phone : 0480-2733122 Mobile:9496013344 E mail : [email protected] 18) KUNNAMKULAM (12) U-BROS BUILDING, GURUVAYUR ROAD, KUNNAMKULAM P.O., THRISSUR DT., PIN 680503 Phone : (04885)222534

Mobile:9447797012 E mail : [email protected] 19) MALA (70) NEAR PRIVATE BUS STAND MALA, THRISSUR DT., PIN - 680 732 Phone:(0480)2890485 Mobile:9447797070 E mail : [email protected] 20) MANNUTHY (132) SACHIDANANDA GOLD ENGLARE COMPLEX, NO.VII/981J, POST BOX NO: 6, NEAR OLLUKARA SERVICE CO-OP. BANK, MANNUTHY, THRISSUR DT., PIN - 680651 Phone : (0487) 2370534 Mobile:9447797132 E mail : [email protected] 21) MEDICAL COLLEGE THRISSUR (290) NEAR DHANALAKSHMI BANK LTD., ATHANI CENTRE, ATHANI P.O, THRISSUR DT PIN : 680 771 Phone : (0487) 2202321 Mobile:9446006290 Email:[email protected]) MUTHUVARA (482) FIRST FLOOR, SIVADA COMPLEX, OPP.MUTHUVARA SIVA TEMPLE MUTHUVARA, PUZHAKKAL.P.O. THRISSUR - 680 553 Phone : (0487)2306800 Mobile:9400028482 E mail : [email protected] 23) PATTIKKAD (211) KOORUVELIL SHOPPING COMPLEX N.H.JUNCTION, PATTIKKAD.P.O. THRISSUR, PIN - 680 652 Phone:(0487)2283269 Mobile:9447797211 E mail : [email protected] 24) PAVARATTY (172) AL-SHAFI COMMERCIAL COMPLEX BLDG.NO. 11/318-A, IST FLOOR, K.K.ROAD,PAVARATTY, THRISSUR DT PIN - 680 507 Phone:(0487)2641692 Mobile:9447797172 E mail : [email protected] 25) PAZHANJI (469) 1ST FLOOR, PT UTHUPURU COMPLEX, ONEWAY JUNCTION

PAZHANJI.P.O. THRISSUR 680 542 Mobile:9400028469` Email:[email protected]) PERINJANAM (335) CHULLIPARAMBIL COMPLEX 1ST FLOOR, PERINJANAM PO THRISSUR DT PIN : 680686 Phone:(0480)2841292 Mobile:9496013335 E mail : [email protected] 27) PUDUKKAD (196) PULICKAN HYPER BAZAR, IST FLOOR BAZAR ROAD, PUDUKKAD THRISSUR DT, PIN : 680 301 Phone:(0480)2753927 Mobile:9447797196 Email:[email protected]) PUNNAYOORKULAM (381) Y AND J BUILDING ALTHARA JUNCTION PUNNAYOORKULAM P.O. THRISSURDT,PIN-679561 Phone : (0487) - 2547381 Mobile:9496007381 E mail : [email protected] 29) THIRUVILLWAMALA (374) ALSFA COMPLEX OPP.SOUTH INDIAN BANK THIRUVILWAMALA.P.O. THRISSUR - 680 588 Phone : (04884) 283080 Mobile:9496007374 E mail : [email protected] 30) THRISSUR EVENING (234) PARAMEKKAVU DEVSWOM BUILDING, PALACE ROAD, THRISSUR - 680020 Phone : (0487) 2323182 Mobile:9447797234 E mail : [email protected] 31) THRISSUR-I (1) SIVASAKTHI BUILDING, 2ND FLOOR, COCHIN DEVASWOM BOARD, ROUND NORTH, THRISSUR DT., PIN - 680001 Phone : (0487) 2327580, (0487) 2327706 Mobile:9447797001 E mail : [email protected] 32) THRISSUR-II(Shornur Road) (72) SUHARSHA TOWERS (2ND FLOOR), NEAR CO-OPERATIVE HOSPITAL, SHORNUR ROAD, THRISSUR-I. PIN 680001

Phone : (0487) 2331261 Mobile:9447797072 E mail : [email protected] 33) THRISSUR-III (PATTURAIKKAL (143) MUNICIPAL BLDG. ‘D’ BLOCK, PATTURAIKAL JUNCTION, THRISSUR DT., PIN - 680022 Phone:(0487)2334692 Mobile:9447797143 E mail : [email protected] 34) THRISSUR-IV (Veliyannur) (160) ROHINI BUILDINGS, VELIYANNUR ROAD, THRISSUR P.O. THRISSUR DT PIN - 680 021 Phone : (0487) 2424741 Mobile:9447797160 E mail : [email protected] 35) THRISSUR-V (S.T.Nagar) (175) PRATAP SINGH BUILDING, OPP. S.T. NAGAR BUS STAND, THRISSUR 680 021 Phone : (0487) 2424815 Mobile:9447797175 E mail : [email protected] 36) TRIPRAYAR (292) SUPREME ARCADE OPP. BUS STAND, TRIPRAYAR NATTIKA P.O. THRISSUR - 680 566 Phone:0487-2393020 Mobile:9446006292 Email:[email protected]) VADANAPPALLY (136) VATANAPPALLY PO, THRISSUR DT., PIN - 680614 Phone:(0487)2601209 Mobile:9447797136 E mail : [email protected] 38) VARANDARAPILLY (291) KRISHNA BUILDINGS VARANTHARAPILLY.P.O. THRISSUR - 680 303 Phone:0480-2763799 Mobile:9446006291 Email:[email protected]) VELLANGALLUR (411) 1ST FLOOR, DHANALAKSHMI TOWER VELLANGALLUR.P.O. THRISSUR, PIN - 680 622 Mobile:9400028411 E mail : [email protected] 40) WADAKKANCHERRY (49) DOOR NO.XV/1031-A, V.M.C. COMPLEX, NEAR DIVINE HOSPITAL,

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WADAKKANCHERY P.O. THRISSUR DT., PIN - 680 582 Phone : (04884)232362 Mobile:9447797049 Email:[email protected]

PALAKKAD

1) AALATHUR (246) NAVAGRAHA PRASAD BUILDING NEW BUS STAND ALATHUR PO PALAKKAD DT PIN - 678 541 Phone:(0492)2224434 Mobile:9447497246 E mail : [email protected] 2) ALANELLUR (473) 1ST FLOOR, KPH TOWER, NEAR SUB-REGISTRAR OFFICE, MAIN ROAD, ALANALLUR.P.O. PALAKKAD - 678 601 Phone:(04924)262412 Mobile:9400028473 E mail : [email protected] 3) CHANDRA NAGAR (385) NIRMAL CHAMPERS BUILDING OPP. BHARATHMATHA SCHOOL CHANDRA NAGAR.P.O. COIMBATORE ROAD PALAKKAD, PIN - 678 007 Mobile:9496007385 E mail : [email protected] 4) CHERPPALASSERY (252) DR.SANTHAKUMARAN’S CLINIC, FIRST FLOOR, NEAR APSARA TOWER, CHERPALASSERY PALAKADDT,PIN-679503 Phone : (0466)2284862 Mobile:9447497252 E mail : [email protected] 5) CHITTOOR (76) SANA COMPLEX, HOSPITAL JN, CHITTUR P.O., PALAKKAD DT., PIN 678101 Phone:(04923)222545 Mobile:9447797076 E mail : [email protected] 6) KALLADIKODE (327) HAREKRISHNA BUILDING T.B. JUNCTION KALLADIKODE.P.O. PALAKKAD DT PIN-678596 Phone:(04924)-247505 Mobile:9496005327 E mail : [email protected] 7) KANJIKKODE (PUDUSSERY) (195)

KANJIKKODE SHOPPING CENTRE, SATHRAPADY, KANJIKKODE P.O., PALAKKAD, PIN- 678 621., Phone:(0491)2566659 Mobile:9447797195 Email:[email protected]) KODUVAYUR (467) 1ST FLOOR, PITTUPEEDIKA, KODUVAYUR.PO. PALAKKAD- 678 501 Mobile:9400028467 E mail : [email protected] 9) KOLLENGODE (177) KMH COMPLEX, NEAR GOVT. HOSPITAL, PALAKKAD ROAD, KOLLENGODE PIN 678 506 Phone:(04923)262509 Mobile:9447797177 E mail : [email protected] 10) KONGAD (201) NEAR BUS STAND, KONGAD PALAKKAD, PIN - 678 631 Phone:(0491)2846419 Mobile:9447797201 E mail : [email protected] 11) KOOTTANAD (190) KRISHNA ARCADE PATTAMBI ROAD, KOOTTANAD.P.O. PALAKKAD,PIN-679533 Phone : (0466) 2370324 Mobile:9447797190 Email:[email protected]) KOZHINJAMPARA (294) KASCO COMPLEX OPP.BUS STAND CHITOOR ROAD KOZHINJAMPARA PALAKKAD PIN : 678 555 Phone:(04923)2273900 Mobile:9446006294 Email:[email protected]) KUZHALMANNAM (154) 1ST FLOOR, SAIDEV ARCADE KODUVAYUR ROAD, KUZHALMANNAM.P.O PALAKKAD - 678 702 Phone:(0492)2273247 Mobile:9447797154 E mail : [email protected] 14) MANGALAMDAM (440) 1ST FLOOR KOLLATHAZHA HOUSE MANGALAM DAM.P.O. PALAKKAD - 678 706 Phone:(04922)262005 Mobile:9400028440

E mail : [email protected] 15) MANNARKKAD (42) PAZHERI PLAZA, KODATHIPPADI, MANNARKKAD.P.O. PALAKKAD DT., PIN 678 582 Phone:(04924)222242 Mobile:9447797042 E mail : [email protected] 16) NENMARA (197) MYALIL SHOPPING COMPLEX NENMARA, PALAKKAD PIN - 678 582 Phone:(04923)243150 Mobile:9447797197 Email:[email protected]) OLAVAKKOD (199) CROWN BUILDING OLAVAKKODE JN., OLAVAKKODE, PALAKKAD - 678 002. Phone:(0491)2557953 Mobile:9447797199 Email:[email protected]

18) OTTAPALAM (73) PB.NO.8, MAIN ROAD, OPP. BUS STAND, OTTAPPALAM PO , PALAKKAD DT., PIN679101, Phone : (0466) 2244106 Mobile:9447797073 E mail : [email protected] 19) PALAKKADU (EVENING) (222) N S TOWER, FIRST FLOOR, NEAR STADIUM BUS STAND, KUNNATHURMEDA P.O, PALAKKADU DIST. PIN - 678 013 Phone:(0491)2544604 Mobile:9447797222 E mail : [email protected] 20) PALAKKADU-I (3) P.B.NO.14, SULTHAN PET, PALAKKAD DT PIN - 678 001 Phone:(0491)2545135 Mobile:9447797003 E mail : [email protected] 21) PALAKKADU-II (168) M.J.TOWERS, FIRST FLOOR, OPP.AROMA THEATRE, RAILWAY STATION ROAD, PALAKKAD DT PIN - 678 001. Phone:(0491)2530097 Mobile:9447797168 E mail : [email protected]

22) PARALI (307) PREETHA COMPLEX CHANTHAPPURA JN. PARALI P O PALAKKAD PIN - 678 612 Phone:(0491)2858398 Mobile:9496005307 E mail : [email protected] 23) PATTAMBI (178) CHULLIYIL BUILDINGS, OPP.SREEKRISHNA TEMPLE, NEAR BRIDGE, PATTAMBI.P.O. PALAKKAD DT PIN:679303 Phone : (0466) 2212158 Mobile:9447797178 E mail : [email protected] 24) SHORNUR (227) MADHAVA PHARMACY BUILDING, MAIN ROAD, POST OFFICE JUNCTION, SHORNUR, PALAKKAD DT. PIN-679121 Phone : (0466) 2224854 Mobile:9447797227 E mail : [email protected] 25) SREEKRISHNAPURAM (345) PUNATHIL THREE STAR COMPLEX CHANTHAPURA SREEKRISHNAPURAM P.O. PALAKKAD DT. PIN-679513 Phone:(0466)2260499 Mobile:9496013345 E mail : [email protected] 26) VADAKUMCHERRY (105) FIRST FLOOR, SHAWTOWER COMPLEX, VADAKKENCHERY PO, PALAKKAD DT., PIN - 678683 Phone:(0492)2255031 Mobile:9447797105 E mail : [email protected]

MALAPPURAM

1) AREECODE (506) 2ND FLOOR GANESH BUILDING AREECODE .P.O MALAPPURAM-679639 Phone:0494-2854490 Mobile:9400027506 E mail : [email protected] 2) CHANGARAMKULAM (305) A.V.COMPLEX ALANKODE PO MALAPPURAM DT PIN-679585

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Phone:0494-2654515 Mobile:9496005305 E mail : [email protected] 3) CHEMMAD (183) E.A. BUILDINGS, 2ND FLOOR, NEAR S.B.T., TIRURANGADI P.O. CHEMMAD, MALAPPURAM DT. PIN - 676 306 Phone:(0494)2462910 Mobile:9447797183 E mail : [email protected] 4) EDAKKARA (268) METRO BAZAR, NEAR BUS STAND, EDAKKARA, MALAPPURAM DISTRICT.,PIN-679331 Phone:(04931)274540 Mobile:9447729268 E mail : [email protected] 5) EDAPPAL (80) BALAKRISHNA BUILDINGS, PONNANI ROAD, EDAPPAL, MALAPURAM DT., PIN679576 Phone:(0494)2680440 Mobile:9447797080 E mail : [email protected] 6) EDAVANNA (339) CENTRAL BAZAR, IST FLOOR, EDAVANNA PO MALAPPURAM DT., PIN : 676541 Phone : (0483) 2704222 Mobile:9496013339 Email:[email protected]) EDAVANNAPARA (511) IST FLOOR, KONNAR TOWER OPP. BUS STAND CHERUVAYOOR .P.O MALAPPURAM - 676 645 Phone:(0483)2727390 Mobile:9400027511 E mail : [email protected] 8) KADUNGATHUKUNDU (371) VALAVANNUR GRAMA PANCHAYATH BUILDING KALPPAKANCHERY.P.O. MALAPPURAM.DT Mobile:9496007371 E mail : [email protected] 9) KALIKAVU (447) 1ST FLOOR, POONTHANATH BUILDING, GOVT.HOSPITAL ROAD, KALIKAVU.P.O. MALAPURAM - 676 525 Mobile:9400028447 E mail : [email protected] 10) KONDOTTY (200) BUILDING NO.KP 3/1080 NEAR BUS STAND,

BY PASS ROAD, KONDOTTY P.O. MALAPPURAM - 673 638 Phone:(0483)2711390 Mobile:9447797200 E mail : [email protected] 11) KOTTAKKAL (208) NOOR MAHAL,KP II/667(A),NEAR BUS STAND PARAPPUR ROAD JUNCTION, TIRUR ROAD, UPPER BAZAR, KOTTAKKAL - 676 503 Phone : (0483) 2745001 Mobile:9447797208 E mail : [email protected] 12) MAKKARAPARAMBA (484) 1ST FLOOR PARAKKAL TOWER KURUVA ROAD JN, MAKKARAPARAMBA.P.O. MALAPURAM - 676 507 Phone:(04933)282220 Mobile:9400028484 E mail : [email protected] 13) MALAPPURAM (4) UMMATHOOR TOWERS, OPP.ST GEMMAS GHSS, B.NO.50, UP HILL, MALAPPURAM DT. PIN - 676 505 Phone : (0483) 2734861 Mobile:9447797004 E mail : [email protected] 14) MALAPPURAM EVENING (302) KILIYAMANNIL CENTRE TOWER OPP OF POLICE STATION MALAPPURAM P.O. KOZHIKKODE, PIN - 676 505 Phone : 0483 2732737 Mobile:9496005302 E mail : [email protected] 15) MANJERI (58) KORAMBAYIL ARCADE, PANDIKKAD ROAD, MANJERI, MALAPURAM DT., PIN 676121 Phone : (0483) 2766125 Mobile:9447797058 E mail : [email protected] 16) MONGAM (323) FIRST FLOOR, PC TOWER OPP.FEDERAL BANK LTD, THRIPPANACHI RD JN MONGAM.P.O., MALAPPURAM DT. PIN - 673 642 Phone : (0483) 2770102 Mobile:9496005323 E mail : [email protected]

17) NILAMBUR (101) PEEVEES ARCADE, BUILDING NO: NP/XI/874/D3 NILAMBUR, MALAPURAM DT., PIN-679329 Phone:(04931)220657 Mobile:9447797101 E mail : [email protected] 18) PANDIKKAD (398) 1ST FLOOR, EK COMPLEX WANDOOR ROAD, PANDIKKAD.P.O. MALAPPURAM 676 521 Phone : (0483) 2780054 Mobile:9496007398 Email:[email protected]) PARAPANANGADI (407) 1ST FLOOR, MAAZMA BUILDING COURT ROAD, PARAPANANGADI.P.O. MALAPPURAM 676 303 Phone:(0494)2410414 Mobile:9400028407 E mail : [email protected] 20) PERINTHALMANNA (86) C.T.PLAZA, NEAR KSEB OOTTY ROAD, PERINTHALMANNA.P.O. MALAPPURAM DT., PIN-679322 Phone:04933-227256 Mobile:9447797086 E mail : [email protected] 21) PONNANI (216) AMBADI BUILDING, CHAMRAVATTOM JUNCTION, P.O. PONNANI, MALAPPURAM DT., PIN-679577 Phone:(0494)2669938 Mobile:9447797216 E mail : [email protected] 22) POTHUKALLU (493) 1ST FLOOR, KURIKKAL TOWER BHOODAN COLONY.P.O. POTHUKALLU MALAPPURAM679334 Phone:(04931)241311 Mobile:9400028493 Email:[email protected]) PULAMANTHOLE (279) NEAR BUS STAND COMPLEX OPP.TREASURY PULAMANTHOLE.P.O MALAPPURAM-679323 Phone:(04933)269310 Mobile:9446006279 Email:[email protected]) THANOOR (184)

BUILDINGNO.TPXII/569, BEACH ROAD, TANUR, MALAPPURAM (DIST), PIN - 676 302. Phone:(0494)2441112 Mobile:9447797184 E mail : [email protected] 25) THIRUR (50) ALUNGAL COMPLEX, OPP. TOWN HALL, P.B.NO.43, TIRUR, MALAPURAM - 676101 Phone:(0494)2422019 Mobile:9447797050 E mail : [email protected] 26) VALANCHERY (173) 2ND FLOOR, P.V.COMPLEX , CALICUT ROAD VALANCHERY P.O. MALAPPURAM DT PIN - 676 552 Phone:(0494)2645299 Mobile:9447797173 E mail : [email protected] 27) VENGARA (331) P.K.M. TOWERS, FIRST FLOOR, THAZHE ANGADI, VENGARA PO, MALAPPURAM DT., PIN - 676 304 Phone:(0494)2455656 Mobile:9496013331 E mail : [email protected] 28) WANDOOR (193) FATHIMA BUILDING PANDIKKAD ROAD WANDOOR.P.O. MALAPPURAM DT PIN-679328 Phone:(04931)247498 Mobile:9447797193 Email:[email protected]

KOZHIKODE

1) ATHOLI (390) STAR MANSION ATHOLI ATHANIKKAL.P.O. KOZHIKKODE PIN - 673 315 Phone:(0496)2672390 Mobile:9496007390 Email:[email protected]) AYANCHERY (300) K & K BUILDING 1ST FLOOR, MAIN ROAD, AYANCHERY, KOZHIKKODE PIN 673 544 Phone:(0496)2593753 Mobile:9496006300 E mail : [email protected] 3) BALUSSERY (87)

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LAKSHMI BUILDING BUILDING NO.BP VII/744 E NEAR BUS STAND, BALUSSERY.P.O. KOZHIKODE 673 612 Phone:(0496)2642141 Mobile:9447797087 E mail : [email protected] 4) CHAKKITTAPPARA (492) 1ST FLOOR, MALLAPPALIL BUILDING CHAKKITTAPPARA.P.O. KOZHIKODE - 673 526 Phone:(0496)2662060 Mobile:9400028492 Email:[email protected]) CHERUVANNUR (225) KODINHI TOWER, CHERUVANNUR, P.O.FEROKE, KOZHIKODE, PIN-673 631. Phone:(0495)2487077 Mobile:9447797225 E mail : [email protected] 6) ENGAPUZHA (481) ATRIUM MALL NEAR BUS STAND, PUDUPPADI.P.O. KOZHIKODE - 673 586 Phone:(0495)2235459 Mobile:9400028481 E mail : [email protected] 7) KAKKODI (341) K.K. BUILDING, CHELAPRAM ROAD, KAKKODI.P.O. KOZHIKKODE DT PIN - 673 611 Phone:0495-2265510 Mobile:9496013341 E mail : [email protected] 8) KALLACHI (180) KAIRALI COMPLEX, MAIN ROAD, KALLACHI.P.O. KOZHIKKODE DT. PIN - 673 506 Phone:(0496)2552950 Mobile:9447797180 E mail : [email protected] 9) KALLAI ROAD (91) ARADHANA KAMALA BUILDING, P.O. CHALAPPURAM, KALLAI ROAD, KOZHIKKODE DT., PIN - 673 002 Phone:(0495)2301971 Mobile:9447797091 Email:[email protected]) KODENCHERI (446) 1ND FLOOR, NAMBADOTH BUILDING KODENCHERY.P.0

KOZHIKODE- - 673 580 Mobile:9400028446 E mail : [email protected] 11) KODUVALLY (343) SAS TOWER, WYNAD ROAD, KODUVALLY PO KOZHIKKODE DT PIN - 673 572 Phone:(0495)2212222 Mobile:9496013343 E mail : [email protected] 12) KOORACHUNDU (434) FIRST FLOOR KODUMAYIL BUILDING KOORACHUNDU.P.O. PERAMBRA (VIA), KOZHIKODE -673 537 Phone:(0496)2661434 Mobile:9400028434 E mail : [email protected] 13) KOYILANDI II (414) 1ST FLKOOR RONEES PLAZA KOYILANDI.P.O. KOZHIKODE PIN - 673 305 Mobile:9400028414 E mail : [email protected] 14) KOYILANDY (124) DAYA BUILDING, QUILANDY P.O., KOZHIKODE DT., PIN - 673 305 Phone:(0496)2620500 Mobile:9447797124 E mail : [email protected] 15) KOZHIKKODE CIVIL STATION (338) NMCK COMPLEX 1ST FLOOR CIVIL STATION PO WAYANAD ROAD KOZHIKKODE 673 020. Phone:0495-2373238 Mobile:9496013338 E mail : [email protected] 16) KOZHIKKODE EVENING (242) 2ND FLOOR, AMBEDKAR BUILDING, RAILWAY STATION LINK ROAD, KOZHIKODE-2 Phone:(0495)2306784 Mobile:9447797242 E mail : [email protected] 17) KOZHIKODE (8) JAYANTHI BUILDING, CORPORATION BUS STAND, PALAYAM, KOZHIKODE DT., PIN - 673 001 Phone:(0495)2722480 Mobile:9447797008 E mail : [email protected]

18) KOZHIKODE (MC) BRANCH (203) ARPANA CENTRE, KOVOOR, MEDICAL COLLEGE P.O. KOZHIKODE - 673 008 Phone:(0495)2358386 Mobile:9447797203 E mail : [email protected] 19) KUNNAMANGALAM (198) SREELAKSHMI COMPLEX SAJ JUNCTION, WYNAD ROAD, KUNNAMANGALAM P.O., KOZHIKODE DT., PIN - 673 571 Phone:(0495)2802010 Mobile:9447797198 Email:[email protected]) KUTTIYADI (133) PM COMPLEX, (IIND FLOOR), WAYANAD ROAD, KUTTIYADI. KOZHIKKODE DT., PIN - 673 508 Phone:(0496)2597142 Mobile:9447797133 E mail : [email protected] 21) LOAN UNIT, KOZHIKODE (95) ARADHANA KAMALA BUILDING, CHALAPPURAM P.O., KALLAI ROAD, KOZHIKODE DT., PIN - 673002 Phone:(0495)2303972 Mobile:9447797095 Email:[email protected]

22) MANKAVE (383) RAJ BUILDINGS, BYEPASS ROAD, MANKAVE, CALICUT DT. PIN - 673 007 Phone:0495-2333383 Mobile:9496007383 E mail : [email protected] 23) MAVOOR ROAD (56) BUILDING NO.17/43, MAVOOR ROAD JUNCTION, KOZHIKODE DT., PIN - 673 001 Phone:(0495)2724002 Mobile:9447797056 E mail : [email protected] 24) MEPPAYUR (388) 1ST FLOOR, CITY COMPLEX CHERUVANNUR ROAD, MEPPAYUR.P.O. KOZHIKKODE - 673 524 Phone:(0496)2675288

Mobile:9496007388 E mail : [email protected] 25) MUKKAM (251) ABHILASH ARCADE, ABHILASH JUNCTION, MUKKOM P.O. KOZHIKKODE Phone:(0495)2299100 Mobile:9447795251 E mail : [email protected] 26) MULLANKUNNU (435) FIRST FLOOR, KAIRALI COMPLEX MARUTHONKARA.P.O. KOZHIKODE- 673 513 Mobile:9400028435 E mail : [email protected] 27) NADAKKAVU (38) TRIPURI BUILDING, NO.3/568/A, EAST NADAKKAVU, KOZHIKKODE DT., PIN - 673 011 Phone:(0495)2765850 Mobile:9447797038 E mail : [email protected] 28) NADUVANOOR (326) RANIYA COMPLEX NADUVANNOOR PO KOZHIKKODE DT., PIN 673 614 Phone:0496-2654259 Mobile:9496005326 E mail : [email protected] 29) NARIKUNNI (273) ROSE MOUNT SHOPPING COMPLEX, FIRST FLOOR, NARIKUNNI P.O., KOZHIKKODE DT., PIN - 673 585 Phone:0495-2247359 Mobile:9447727273 E mail : [email protected] 30) ORKATTERI (332) MAYURI BUILDING, KSEB ROAD, ORKATTERI, V ADAKARA (VIA) KOZHIKKODE DT., PIN 673 501 Phone:0496-2544332 Mobile:9496013332 E mail : [email protected] 31) PAYYOLI (271) PAYYOLI.P.O., KOZHIKKODE PIN - 673522 Phone:0496-2606969 Mobile:9447707271 E mail : [email protected] 32) PERAMBRA (20) KUNDARKKAT BUILDING, NEAR TAXI STAND, PERAMBRA P.O.

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KOZHIKKODE DT., PIN - 673 525 Phone:(0496)2610213 Mobile:9447797020 E mail : [email protected] 33) POOVATTUPARAMBA (491) 1ST FLOOR, KJA BUILDING POOVATTUPARAMBA.P.O. KOZHIKODE, PIN - 673 008 Phone:(0495)2490102 Mobile:9400028491 Email:[email protected]) RAMANATTUKARA (179) CHALIYAR COMPLEX, RAMANATTUKARA, KOZHIKKODE DT PIN - 673 633 Phone:(0495)2441688 Mobile:9447797179 Email:[email protected]) THAMARASSERY (85) ‘SITARA’, OPP. GOVT. HOSPITAL, THAMARASSERY, KOZHIKODE, PIN - 673 573 Phone:(0495)2222310 Mobile:9447797085 E mail : [email protected] 36) THIRUVAMBADY (51) PANCHAYAT SHOPPING CENTRE, THIRUVAMBADI, KOZHIKKODE DT., PIN - 673 603 Phone:(0495)2252230 Mobile:9447797051 E mail : [email protected] 37) ULLIYERI (443) FIRST FLOOR, AHAMMED CENTRE, BALUSSERY ROAD, ULLIYERI.P.O. KOZHIKODE - 673 620 Phone:(0496)2650119 Mobile:9400028443 E mail : [email protected] 38) VADAKARA (52) ASHOKA COMPLEX, OPPOSITE TOWN HALL CONVENT ROAD, VADAKARA.P.O. KOZHIKKODE DT., PIN 673101 Phone:(0496)2525053 Mobile:9447797052 E mail : [email protected] 39) VATAKARA II (342) CITY CENTRE, NEAR GRIFI SUPER MARKET EDODI ROAD VATAKARA PO KOZHIKKODE, PIN - 673 101 Phone:0496-2525590 Mobile:9496013342

E mail : [email protected] 40) VILLIAPPALLY (494) 1ST FLOOR, OT BUILDING, VADAKARA ROAD NEAR MJ HOSPITAL VILLIAPPALLY P.O KOZHIKODE - 673 542 Phone:04962533422 Mobile:9400028494 Email:[email protected]) WEST HILL (KOZHIKKODE) (228) PBNO938, NEAR ST MICHAEL’S CHURCH, WEST HILL, KOZHIKKODE, PIN - 673 005 Phone:(0495)2384959 Mobile:9447797228 E mail : [email protected]

WAYANAD

1) AMBALAVAYAL (463) IST FLOOR, TAJ BUILDING, OPP.AMBALAVAYAL GRAMAPANCHAYATH OF-FICE AMBALAVAYAL.P.O. WAYANAD-673593 Phone:(04936)260724 Mobile:9400028463 E mail : [email protected] 2) KALPETTA (17) TRIDENT ARCADE, PINANGODE ROAD JUNC-TION KALPETTA P.O., WAYANAD, PIN - 673 121 Phone:(04936)202495 Mobile:9447797017 E mail : [email protected] 3) MANANTHAVADI (169) AMINA BUILDING, KOZHIKODE ROAD, MANANTHAVADY, WAYANAD-DT, PIN - 670 645 Phone:(04935)241356 Mobile:9447797169 Email:[email protected]) MEENANGADI (334) THAITHARAYIL BUILDING, MAIN ROAD, NEAR PANCHAYATH BUS STAND, MEENANGADI P.O. WAYANAD673591. Phone:(04936)249687 Mobile:9496013334 E mail : [email protected] 5) MEPPADI (205) METRO TOWERS, 1ST FLOOR, NEAR BUS STAND, OOTTY ROAD, MEPPADI, WAYANAD DT

PIN - 673 577 Phone:(04936)282482 Mobile:9447797205 E mail : [email protected] 6) PADINHARETHARA (428) MUNDUNADAKKAL SHOPPING COMPLEX PADINHARETHARA.P.O. WAYANAD - 673 575 (04936)273495 Mobile:9400028428 E mail : [email protected] 7) PANAMARAM (507) 1ST FLOOR, PORLOTH SHOPPING COMPLEX PANAMARAMP.O., WAYANAD - 670 721 PIN673579 Phone:04935-220356 Mobile:9400027507 E mail : [email protected] 7) PULPALLY (296) NEERANTHANATH SHOPPING COMPLEX PULPALLY.P.O., WAYANAD PIN673579 Phone:04936-243888 Mobile:9446006296 Email:[email protected]) SULTHANBATTERY (115) BLDG. NO.VI/458 A, ANUGRAHA COMPLEX, MAIN ROAD, SULTHANBATHERY, WAYANAD,PIN-673592 Phone:(04936)220024 Mobile:9447797115 E mail : [email protected]

KANNUR

1) ALACODE (192) MALABAR COMPEX, 2ND FLOOR, NEW BAZAR,ALACODE KANNUR, PIN - 670 571 Phone : 0460-2255825 Mobile:9447797192 Email:[email protected]) CHAKKARAKKAL (272) AMBADY COLLECTION BUILDING MOWANCHERY P.O NEAR PVT.BUS STAND CHAKKARAKKAL KANNUR-670 613 Phone:(0499)2855800 Mobile:9447700272 E mail : [email protected] 3) CHEMPERI (401) 1ST FLOOR MUKKUZHI COMPLEX HOSPITAL ROAD CHEMPERI.P.O.

KANNUR - 670 632 Mobile:9497420401 E mail : [email protected] 4) CHERUPUZHA (400) 1ST FLOOR LANDMARK BUILDING NEAR IOC PETROL PUMP CHERUPUZHA.P.O. KANNUR - 670 511 Mobile:9496105400 E mail : [email protected] 5) EDAKOM (402) 1 ST FLOOR KUMBALAMTHANAM BUILDING CHAPARAPADAVU EDAKKOM.P.O. KANNUR - 670 581 Mobile:9400019402 E mail : [email protected] 6) IRIKKUR (426) GROUND FLOOR, U.K.COMPLEX IRIKKUR.P.O. KANNUR-670593 Phone : (0460) 2257250 Mobile:9400028426 E mail : [email protected] 7) IRITTY (45) THULASI MALABAR HEIGHTS, IIND FLOOR, NEW BUS STAND, IRITTY, KANNUR DT., PIN - 670 703 Phone:(0490)2491398 Mobile:9447797045 E mail : [email protected] 8) KANNUR EVENING (313) HASSAN ARCADE OPP.COLLECTRORATE KANNUR, PIN : 600 002 Phone:04972767567 Mobile:9496005313 E mail : [email protected] 9) KANNUR-I (6) RASHEEDA ‘X’ RAYS BUILDING, FORT ROAD,KANNUR, KANNUR DT., PIN - 670 001 Phone:(0497)2705065 Mobile:9447797006 E mail : [email protected]) KANNUR-II (122) KAUSAR COMPLEX, CALTEX JUNCTION KANNUR DT., PIN - 670002 Phone:(0497)2761769 Mobile:9447797122 E mail : [email protected] 11) KARIKOTTAKARI (448) 1ST FLOOR, JUSTINA COMPLEX, CHAMPAKKULAM BUILD-

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ING KARIKOTTAKARI.P.O. KANNUR - 670 704 Mobile:9400028448 E mail : [email protected] 12) KIZHPALLY (501) 1ST FLOOR, ANNA AR-CADE KEEZHPALLY.P.O. KANNUR - 670 704 Phone:(0490)2454501 Mobile:9400027501 E mail : [email protected] 13) KOLAKKAD (427) CHEMPARATHY BUILDING KOLAKKAD.P.O. PERAVUR (VIA) KANNUR- 670 673 Phone:(0490)2443227 Mobile:9400028427 E mail : [email protected] 14) KOOTHUPARAMBU (165) NAIVEDYAM BUILDINGS, T.C. ROAD, KOOTHUPARAMBA.P.O. KANNUR DT., PIN - 670 743 Phone:(0490)2362150 Mobile:9447797165 E mail : [email protected] 15) MATTANNUR (255) NADHU SHOPPING COMPLEX BUS STAND, MATTANNUR KANNUR PIN 670702 Phone:04902471665 Mobile:9447747255 E mail : [email protected] 16) MAYYIL (399) 1ST FLOOR, IDOOZHI COMPLEX MAYYIL BUS STAND MAYYIL P.O., KANNUR 670 602 Mobile:9496007399 Email:[email protected]) PANUR (135) T.K. BUILDING, PANOOR (VIA), THALASSERY, KANNUR DT., PIN-670692 Phone:(0490)2311680 Mobile:9447797135 E mail : [email protected] 18) PAYYANNUR (43) SEESON COMPLEX, CENTRAL BAZAR, PAYYANNUR P.O., KANNUR DT., PIN - 670 307 Phone:(04985)202935 Mobile:9447797043 E mail : [email protected] 19) PAYYAVOOR (403)

1ST FLOOR, KURISUMMOOTTIL BUILDING PAYYAVOOR.P.O. KANNUR - 670 633 Mobile:9400018403 E mail : [email protected] 20) PAZHAYANGADI (269) K.K. COMPLEX, NEAR K.K. PETROL PUMP, P.O. PAYANGADI, KANNUR PIN-670358 Phone:0497-2877066 Mobile:9447797269 Email:[email protected]) PERAVOOR (303) MAKSON CITY CENTRE, KOTTIYOOR ROAD, PERAVOOR, KANNUR DT., PIN : 670 673 Phone:04902447001 Mobile:9496005303 E mail : [email protected] 22) PERINGATHUR (384) PEE PEES COMPLEX NEAR NAM HIGHER SECONDARY SCHOOL PERINGATHUR.P.O. KANNUR DT., PIN - 670 675 Phone:(0497)2395350 Mobile:9496007384 E mail : [email protected] 23) PUTHIYATHERU (167) PUTHIYATHERU, K.V. COM-PLEX, CHIRAKKAL P.O. KANNUR- DT., PIN - 670 011 Phone:(0497)2774800 Mobile:9447797167 E mail : [email protected] 24) SREEKANTAPURAM (150) SAMA BAZAR, NEAR BUS STAND, SREEKANDAPURAM PO, KANNUR DT., PIN - 670631 Phone:(0498)2230600 Mobile:9447797150 E mail : [email protected] 25) THALASSERY (18) BABANEESH ARCADE, LOGANS ROAD, THALASSERY P.O., KANNUR DT., PIN 670101 Phone:(0490)2322844 Mobile:9447797018 E mail : [email protected] 26) THALASSERY II (314) M.M.ROAD, NEAR O.V.ROAD JUNCTION VADIKKAL, THALASSERY PIN 670 101 Phone:0490-2323314 Mobile:9496005314

E mail : [email protected] 27) THALIPARAMBA (90) MARINA SHOPPING COMPLEX, NATIONAL HIGHWAY, TALIPARAMBA, TALIPARAMBA PO, KANNUR DT., PIN 670141 Phone:(0460)2202983 Mobile:9447797090 Email:[email protected]) THAZHE CHOVVA (370) 1ST FLOOR, VIJAYA SQUARE, THEZHUKKIL PEEDIKA THAZHE CHOOVVA.P.O KANNUR - 670 018 Phone:0497-2725306 Mobile:9496007370 E mail : [email protected]

KASARGODE

1) BADIADKA (464) 1ST FLOOR, TAJ SHOPPING CENTRE BADIADKA.P.O., PERADA-LA KASARGOD - 671 551 Mobile:9400028464 E mail : [email protected] 2) CHERUVATHUR (373) BUS STAND BUILDING CHERUVATHUR.P.O. KASARGOD - 671313 (0467) 2264450 Mobile:9496007373 E mail : [email protected] 3) CHITTARIKKAL (229) CHANDRANKUNNEL BUILDING, CHITTARICKAL P.O. KASARGODE, PIN - 671 326 Phone : (0467) 2222330 Mobile:9447797229 Email:[email protected]

4) KANHANGAD (83) LAXMI BUILDING 1ST FLOOR,MAIN ROAD, KANHANGAD P.O. KASARGOD DT., PIN - 671 315. Phone : (0467) 2204624 Mobile:9447797083 E mail : [email protected] 5) KASARGOD (34) SQUARE NINE SHOPPING MALL, 2ND FLOOR, O PP.NEW BUS STAND, KASARAGOD.P.O., KASARAGOD DT.

PIN - 671 121 Phone:(04994)222765 Mobile:9447797034 E mail : [email protected] 6) MALAKALLU (429) KOTTAYAM COMMERCIAL COMPLEX, MALAKKALLU.P.O. KASARGODE - 671 532 Phone : (0467) 2224331 Mobile:9400028429 Email:[email protected]) NILESWARAM (372) NITHYA TOWER, IST FLOOR OPP.N.K.BALAKRISHNAN MEMORIAL AUP SCHOOL MARKET ROAD JUNCTION, NILESWARAM.P.O. KASARGOD DT., PIN - 671 314 Phone : 0467-2283150 Mobile:9496007372 E mail : [email protected] 8) THRIKKARIPPUR (223) NEAR BUS STAND, TRIKARIPUR, KASARAGOD PIN - 671 310, Phone : (0467) 2211500 Mobile:9447797223 E mail : [email protected] 9) UDUMA (378) POST OFFICE BUILDING NEAR RAILWAY GATE MAIN ROAD UDUMA.P.O. KASARGOD.-671319 Phone : (0467) 2236378 Mobile:9496007378 E mail : [email protected] 10) UPPALA (270) C.H. SOUDHAM, NEAR BUS STAND, UPPALA, KASARGODE, PIN - 671 322 Phone:(04998)244765 Mobile:9447797270 E mail : [email protected] 11) VELLARIKUNDU (430) FIRST FLOOR MANNUR BUILDING OPP.SUPPLYCO VELLARIKUNDU.P.O. KASARGODE - 671 533 Phone : (0467) 2242123 Mobile:9400028430 E mail : [email protected]

80

SDTs

1) 801 SDT TVM 2ND FLOOR NEW TRIDA CENTRE MEDICAL COLLEGE P.O THIRUVANANTHAPURAM -695011 Phone:(0471)2449419 Mobile:9447797801 E mail : [email protected]) 802 SDT KOLLAM REGIONAL OFFICE , KOLLAM KSFE BUILDING, IVTH FLOOR, CHINNAKADA, KOLLAM PIN-691001 Phone : (474) 2764677 Mobile:9447797802 E mail : [email protected]) 803 SDT ERNAKULAM THE SPL. DEPUTY TAHSILDAR (RR), IS PRESS BUILDING, 2ND FLOOR, NEAR ST. ALBERTS COLLEGE, BANERJI ROAD, KOCHI - 18. Phone:(0484)2391199 Mobile:9447797803 E mail : [email protected] 4) 804 SDT THRISSUR “BHADRATHA” MUSEUM ROAD, THRISSUR-680 020 Phone : (0487) 2332255 Mobile:9447797804 E mail : [email protected] 5) 805 SDT KOZHIKKODE REGIONAL OFFICE , KOZHIKKODE. ARADHANA KAMALA BUILDING, P.B.NO.555 KALLAI ROAD, KOZHIKKODE DT PIN 673 002 Phone:(0495)2300832 Mobile:9447797805 E mail : [email protected] 6) 806 SDT KOTTAYAM THE SPL.DEPUTY TAHSILDAR (RR) KSFE LTD, REGIONAL OFFICE KO VARGHESE MEMORIAL BUILDING BAKER JUNCTION KOTTAYAM 686001 Phone : (0481) 2300716

Mobile:9447797806 E mail : [email protected] 7) 807 SDT ALAPPUZHA LOAN UNIT,ALAPPUZHA KUMARANASAN SMARAKA MANDIRAM, COURT ROAD, ALAPPUZHA - 688 011 ALAPPUZHA DT PIN - 680 001 Phone : (0477) 2252046 Mobile:9447797807 E mail : [email protected] 8) 808 SDT PALAKKAD P.B.NO.46, OPP. AROMA THEATRE, 0PRIYADARSINI ROAD, PALAKKAD DT PIN - 678 001 Phone:(0491)2535545 Mobile:9447708708 E mail : [email protected] 9) 809 SDT KANNUR K.S.F.E. REGIONAL OFFICE, HASSAN ARCADE, OPP. CIVIL STATION KANNUR DT PIN 670 002. Phone:(0497)2765191 Mobile:9447797809 E mail : [email protected]) 810 SDT NEYYATTINKARA AKSHAYA SHOPPING COMPLEX, NEYYATTINKARA THIRUVANANTHAPURAM DT PIN-695121 Phone : (0471) 2220002 Mobile:9447797810 E mail : [email protected]

Ro & HO

THIRUVANANTHAPURAM R.O.TVM(996) KSFE SILVER JUBILEE BUILDINGS, STATUE, CHIRAKULAM ROAD, THIRUVANANTHAPURAM PIN-695001 FAX:0471-2476289 Phone : 0471-2472051, 2476602 Mobile:9447792222 E mail : [email protected] KOLLAM R.O.KOLLAM(998) KSFE BUILDING, IVTH FLOOR, CHINNAKKADA, KOLLAM PIN-691001 FAX : 0474-2745660 Phone : 0474-2746061, 2745660 Mobile:9447793333 E mail : [email protected] KOTTAYAM R.O.KOTTAYAM(993) FIRST FLOOR, K.O.VARGHESE MEMORIAL BLDG BAKER JUNCTION, KOTTAYAM DT PIN - 686 001 Phone : (0481) 565240/41/42 Mobile:9446138888 E mail : [email protected] ERNAKULAM R.O.EKM(995) KSFE BHAVAN GROUND FLOOR MAVELIPURAM, KAKKANAD ERNAKULAM - 682 030 FAX:0484-2395795 Phone : 0484 2428732, 2428754 Mobile:9447794444 E mail : [email protected] THRISSUR R.O.TRICHUR(997) SIVASAKTHI BUILDING, 2ND FLOOR COCHIN DEVASWOM BOARD, ROUND NORTH THRISSUR 680001 FAX : 0487-2336232 Phone : 0487 2332568 Mobile:9447795555 E mail : [email protected] KOZHIKODE R.O.KOZHIKODE(994) ARADHANA KAMALA BUILDING,

P.B.NO.555, KALLAI ROAD, KOZHIKODE PIN - 673 002 FAX:0495-2302109 Phone:O4952302109, 2302609 Mobile:9447796666 E mail : [email protected] KANNUR R.O.KANNUR(992) HASSAN ARCADE, OPP. CIVIL STATION, KANNUR PIN - 670 002 FAX : Phone:0497-2767566 Mobile:9446137777 E mail : [email protected]

THRISSUR H.O. (999) K.S.F.E. LTD., PB NO.510, ‘BHADRATHA’, MUSEUM ROAD, THRISSUR. PIN 680 020 FAX: (0487) 2336232 Phone : (0487) 2332255 Mobile:9447791000 E mail : [email protected]

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