1 The Corporation has availed a loan of USD 100 million from the Asian
 Development Bank (Loan II). In respect of tranches 1 and 2 aggregating
 to USD 60 million, as per the agreements with a scheduled bank, the
 Corporation has handed over the dollar funds to the bank overseas and
 has obtained rupee funds in India amounting to Rs. 200 crores by way of a
 term loan and Rs. 100 crores through the issue of bonds which have been
 subscribed by the bank.
 
 In respect of tranche 3 of USD 40 million, as per the agreement with a
 financial institution, the corporation has handed over the dollars to a
 financial institution overseas and under a back-to-back arrangement
 obtained rupee funds in India. All payments in foreign currency are the
 responsibility of the financial institution. In terms of the
 agreements, the Corporations foreign exchange liability is protected.
 
 2 (i) The Corporation had raised USD 500 million through the issue of
 zero coupon Foreign Currency Convertible Bonds (FCCBs). The bonds were
 convertible at any time into equity shares of the Corporation of the
 face value of Rs. 10 each from August 24, 2006 upto July 29, 2010, at the
 option of the holders, at Rs. 1399.148 per equity share representing a
 conversion premium of 50% over the initial reference share price. The
 bonds were redeemable on September 27, 2010 with an yield to maturity
 of 4.62% per annum. During the year ended March 31, 2011, the entire
 amount outstanding of USD 90.60 million was converted into equity
 shares of the Corporation. As such, the entire FCCB amounting to USD
 500 million (Previous Year USD 409.40 million) representing 1,56,23,732
 (Previous Year 1,27,92,711) Equity shares, have been converted pursuant
 to the exercise of options by the bondholders of the Corporation. The
 Corporation had undertaken currency options and forward contracts
 amounting to USD Nil (Previous Year USD 75 million) to cover the net
 foreign currency exposure in the outstanding FCCBs.
 
 (ii) The Corporation has availed USD 175 million under the Short Term
 Foreign Currency Borrowing scheme of the Reserve Bank of India (RBI)
 under the approval route in terms of the RBI Press Release No.
 2008-2009/700 dated November 17, 2008, with a maturity of three years.
 In term of the RBI guidelines, these borrowings have been swapped into
 rupees for the entire maturity by way of principal only swaps.
 
 (iii) As on March 31, 2011, the Corporation has foreign currency
 borrowings (excluding FCCBs) of USD 1,103.90 million equivalent
 (Previous Year USD 945.43 million). The Corporation has undertaken
 principal only swaps, currency options and forward contracts on a
 notional amount of USD 963.30 million equivalent (Previous Year USD
 787.99 million) to hedge the foreign currency risk. Further, interest
 rate swaps on a notional amount of USD 15 million equivalent (Previous
 Year USD 90 million) are outstanding, which have been undertaken to
 hedge the interest rate risk on the foreign currency borrowings. As on
 March 31, 2011, the Corporations net foreign currency exposure on
 borrowings net of risk management arrangements is USD Nil (Previous
 Year USD Nil).
 
 As a part of asset liability management on account of the Corporations
 Adjustable Rate Home Loan product as well as to reduce the overall cost
 of borrowings, the Corporation has entered into interest rate swaps
 wherein it has converted its fixed rate rupee liabilities of a notional
 amount of Rs. 23,255 crores (Previous Year Rs. 16,065 crores) as on March
 31, 2011 for varying maturities into floating rate liabilities linked
 to various benchmarks. In addition, the Corporation has entered into
 cross currency swaps of a notional amount of USD 697.50 million
 equivalent (Previous Year USD 694 million) wherein it has converted its
 rupee liabilities into foreign currency liabilities and the interest
 rate is linked to the benchmarks of respective currencies.
 
 (iv) Monetary assets and liabilities denominated in foreign currencies
 net of risk management arrangement are revalued at the rate of exchange
 prevailing at the year end. Cross currency Swaps are fair valued at the
 year end and loss is recognised in the Profit and Loss Account while
 the gains are not recognised keeping in view the principles of prudence
 as enumerated in Accounting Standard (AS 1) notified by the Companies
 (Accounting Standard) Rules, 2006. For forward contracts or instruments
 that are in substance, forward exchange contracts, the exchange
 differences on such contracts are being amortised over the life of
 contracts.
 
 The amount of exchange difference in respect of such contracts to be
 recognised as expense in the Profit and Loss Account over subsequent
 accounting periods is Rs. 0.50 crores (Previous Year Rs. 1.85 crores). This
 shall be amortised over the next 1 year.
 
 3 The maximum amount of Commercial Paper outstanding at any time during
 the year was Rs. 7,550 crores (Previous Year Rs. 8,280 crores).
 
 4 Save and except the floating charge created in favour of the
 depositors in respect of public deposits as defined in Paragraph
 2(1)(y) of the Housing Finance Companies (NHB) Directions, 2010, on the
 Statutory Liquid Assets maintained in terms of sub-sections (1) & (2)
 of Section 29B of the National Housing Bank Act, 1987;
 
 (i) Loans are secured by Promissory Notes and / or a negative lien on
 all the assets of the Corporation.
 
 (ii) Bonds are in the nature of Promissory Notes and are secured by a
 negative lien on all the assets of the Corporation.
 
 (iii) Non-Convertible Debentures amounting to Rs. 41,623.90 crores
 (Previous Year Rs. 33,092.90 crores) are secured by a negative lien on
 all the assets of the Corporation and by a mortgage. These debentures
 are redeemable at par between 2011 and 2025.
 
 5 During the year, the Corporation raised Rs. 1,000 crores (Previous Year
 Rs. 500 crores) through issue of Long Term Unsecured Redeemable
 Non-Convertible Debentures (subordinated debt). As at March 31, 2011,
 the Corporations outstanding subordinated debt is Rs. 2,875 crores
 (Previous Year Rs. 1,875 crores). These Debentures are redeemable at par
 between 2011 and 2021. The debt is subordinated to present and future
 senior indebtedness of the Corporation and qualifies as Tier II capital
 under National Housing Bank (NHB) guidelines for assessing capital
 adequacy. Based on the balance term to maturity as at March 31, 2011,
 82.61% (Previous Year 82.93%) of the book value of the subordinated
 debt is considered as Tier II capital for the purpose of capital
 adequacy computation.
 
 6 (i) Loan Funds include Rs. 10,18,29,197 (Previous Year Rs. 8,63,18,061)
 from Directors.
 
 (ii) Deposits include Rs. 13,474.73 crores (Previous Year Rs. 14,509.05
 crores) due within one year.  (iii) Deposits include Rs. 172,10,00,000
 (Previous Year Rs. 25,79,00,000) due to subsidiary companies.  (iv) Loan
 Funds include Rs. 235,00,00,000 (Previous Year Rs. 175,00,00,000) due to
 subsidiary companies.
 
 7 (i) Loans granted by the Corporation are secured or partly secured by
 :
 
 (a) Equitable mortgage of property and / or
 
 (b) Pledge of shares, units, other securities, assignment of life
 insurance policies and / or
 
 (c) Hypothecation of assets and / or
 
 (d) Bank guarantees, company guarantees or personal guarantees and / or
 
 (e) Negative lien and / or
 
 (f) Assignment of hire purchase receivables and / or
 
 (g) Undertaking to create a security.
 
 (ii) Loans include Rs. 36.61 crores (Previous year Rs. 34.78 crores) in
 respect of properties held for disposal under Securitisation and
 Reconstruction of Financial Assets and Enforcement of Security Interest
 Act, 2002.
 
 8 (i) There are no Sundry Debtors which are outstanding for a period
 over six months. Sundry Debtors include amounts due from subsidiary
 companies Rs. 3,90,594 (Previous Year Rs. 58,77,128).
 
 (iv) Out of the total Loans and Advances (Schedule 6), amounts
 aggregating to Rs. 550,02,71,805 (Previous Year Rs. 627,64,00,476) are
 secured.
 
 Advances recoverable in cash or in kind includes Advance Ta x (net of
 Provision for Taxation) Rs. 453,64,87,061 (Previous Year Rs.
 372,88,10,994), Rs. 4,57,35,752 (Previous Year Rs. 7,44,19,755) towards
 advances of capital nature, and Rs. 45,76,87,488 (Previous Year Rs.
 8,85,35,298) due from subsidiary companies.
 
 (v) Corporate Deposits include Rs. 23,45,00,000 (Previous Year Rs.
 20,00,00,000) due from a subsidiary company.
 
 9 (i) Sundry Creditors include Rs. Nil (Previous Year Rs. Nil) payable to
 Suppliers registered under the Micro, Small and
 
 Medium Enterprises Development Act, 2006. No interest has been paid /
 payable by the Corporation during the year to the Suppliers covered
 under the Micro, Small and Medium Enterprises Development Act, 2006.
 The above information takes into account only those suppliers who have
 responded to inquiries made by the Corporation for this purpose.
 
 (ii) As required under Section 205C of the Companies Act, 1956, the
 Corporation has transferred Rs. 65,72,191 (Previous Year Rs. 65,55,580) to
 the Investor Education and Protection Fund (IEPF) during the year. As
 of March 31, 2011, no amount was due for transfer to the IEPF.
 
 (iii) Sundry Creditors include Rs. Nil (Previous Year Rs. 19,911) due to a
 subsidiary company.
 
 (iv) Sundry Creditors include Rs. 43,00,000 (Previous Year Rs. Nil) being
 amount payable to HDFC Provident fund trust towards deficiency in the
 fund account.
 
 (v) Interest Accrued but not due includes Rs. 10,03,92,182 (Previous Year
 Rs. 7,48,03,734) due to Subsidiary Companies and Rs. 48,19,055 (Previous
 Year Rs. 53,99,783) due to the Directors of the Corporation.
 
 10 Estimated amount of contracts remaining to be executed on capital
 account and not provided for (net of advances) is Rs. 269.95 crores
 (Previous Year Rs. 304.69 crores).
 
 11 (i) Profit on sale of investments includes profit of Rs. 8,22,000
 (Previous Year Rs. 16,44,000) in respect of investments held
 
 as current investments and Rs. 11,75,576 (Previous Year Rs. Nil) on account
 of shares bought back by India Value Fund Advisors Pvt. Ltd. (Associate
 Company).
 
 (ii) Surplus from deployment in Cash Management Schemes of Mutual Funds
 amounting to Rs. 217,53,39,542 (Previous Year Rs. 189,84,42,216) is in
 respect of investments held as current investments.
 
 (iii) Dividend income includes Rs. 83,73,25,003 (Previous Year Rs.
 97,02,94,818) received from subsidiary companies and Rs. 10,67,54,945
 (Previous Year Rs. 31,26,62,788) in respect of current investments.
 
 (iv) Other Interest includes Interest on Investments amounting to Rs.
 198,20,20,862 (Previous Year Rs. 157,28,02,047), including Rs. 33,48,78,022
 (Previous Year Rs. 3,86,05,659) in respect of current investments.
 
 (v) Fees and Other Charges is net of the amounts paid to Direct Selling
 Agents Rs. 199.45 crores (Previous Year Rs. 151.59 crores).
 
 12 Other Income includes rent of Rs. 9,97,03,190 (Previous Year Rs.
 11,71,47,500), of which Rs. 24,00,000 (Previous Year Rs. 24,00,000) is in
 respect of rent for certain assets given on operating lease and also
 includes sub-lease payments received Rs. 6,90,000 (Previous Year Rs.
 1,00,74,150) in respect of a property acquired under operating lease as
 per Note 25(ii).
 
 14 In accordance with the Accounting Standard on Employee Benefits (AS
 15) (Revised 2005) notified by the Companies (Accounting Standards)
 Rules, 2006, the following disclosures have been made:
 
 (i) Salaries and Bonus include Rs. 7,02,62,861 (Previous Year Rs.
 3,18,78,173) towards provision made in respect of accumulated leave
 salary and leave travel assistance which is in the nature of Long Term
 Employee Benefits and has been actuarially determined as per the AS 15
 (Revised).
 
 16 (i) Expenditure shown in Schedule 11 is net of recovery from a
 subsidiary company in respect of Salaries Rs. 1,56,44,075 (Previous Year
 Rs. 1,32,85,336) and expenditure shown in Schedule 13 is net of recovery
 from a subsidiary company in respect of Miscellaneous Expenses Rs. Nil
 (Previous Year Rs. 4,00,000).
 
 (ii) Miscellaneous Expenses under Schedule 13 exclude Rs. 11,47,63,981
 (Previous Year Rs. 8,48,45,183) in respect of amounts utilised out of
 Shelter Assistance Reserve during the year.
 
 17 (i) Interest on Deposits include Rs. 26,18,102 (Previous Year Rs.
 7,89,108) payable to the Chief Executive Officer of the Corporation.
 
 (ii) Other Expenses include Provision for Wealth Ta x amounting to Rs.
 65,00,000 (Previous Year Rs. 65,00,000) and Securities Transaction Ta x
 amounting to Rs. 29,45,001 (Previous Year Rs. 71,97,658).
 
 19 (i) Special Reserve has been created over the years in terms of
 Section 36(1)(viii) of the Income-tax Act, 1961 out of the
 distributable profits of the Corporation. Special Reserve No. I relates
 to the amounts transferred upto Financial Year 1996-97, whereas Special
 Reserve No. II relates to the amounts transferred thereafter.
 
 (ii) As per Section 29 C of the National Housing Bank Act, 1987, the
 Corporation is required to transfer atleast 20% of its net profits
 every year to a reserve before any dividend is declared. For this
 purpose any Special Reserve created by the Corporation under Section
 36(1)(viii) of the Income-tax Act, 1961 is considered to be an eligible
 transfer. The Corporation has transferred an amount of Rs. 625 crores
 (Previous Year Rs. 500 crores) to Special Reserve II in terms of Section
 36(1)(viii) of the Income-tax Act, 1961 and an amount of Rs. 530 crores
 (Previous Year Rs. 432 crores) to Additional Reserve (u/s 29C of the NHB
 Act).
 
 (iii) During the year an amount of Rs. Nil (Previous Year Rs. 43,790) has
 been written back on account of Nil (Previous Year 8,185) stock options
 lapsed under Employee Stock Option Scheme 2002. The same has been
 included in the Accounts under Salaries and Bonus.
 
 21 During the year, Corporation utilised Rs. 532,08,66,097 (Previous Year
 Rs. 198,80,56,461) out of the Securities Premium Account in accordance
 with Section 78 of the Companies Act, 1956. Out of the above, Rs.
 532,08,66,097 (Previous Year Rs. 192,39,08,528) has been utilised towards
 the proportionate premium payable on redemption of Zero Coupon Secured
 Redeemable Non Convertible Debentures (ZCD) and an amount of Rs. Nil
 (Previous Year Rs. 6,41,47,933) has been utilised towards expenditure
 incurred for raising ZCD. The Corporation has written back Rs.
 93,75,77,892 (Previous Year Rs. 3,45,91,573) on conversion of FCCBs to
 the Securities Premium Account, being the provision for premium on
 redemption of FCCBs created in the earlier years by debit to the
 Securities Premium Account.
 
 22 (i) Contingent Liability in respect of guarantees provided by the
 Corporation aggregated to Rs. 2.45 crores (Previous Year Rs. 29.79 crores).
 
 (ii) Contingent liability in respect of income-tax demands, net of
 amounts provided for and disputed by the Corporation, amounts to Rs.
 483.04 crores (Previous Year Rs. 298.56 crores). The matters in dispute
 are under appeal. The said amount has been paid/adjusted and will be
 received as refund if the matters are decided in favour of the
 Corporation.
 
 (iii) Contingent Liability in respect of corporate undertakings
 provided by the Corporation for securitisation of receivables
 aggregated to Rs. 1,539.27 crores (Previous Year Rs. 1,081.15 crores). The
 outflows would arise in the event of a shortfall, if any, in the cash
 flows of the pool of the securitised receivables.
 
 (iv) Contingent Liability in respect of disputed dues towards sales
 tax, wealth tax, interest on lease tax, stamp duty and payments towards
 employers contribution to ESIC, not provided for by the Corporation,
 amounts to Rs. 19,44,596 (Previous Year Rs. 17,98,148).
 
 23 The Corporations main business is to provide loans for the purchase
 or construction of residential houses, commercial real estate and loans
 for certain other purposes in India. All other activities of the
 Corporation revolve around the main business. As such, there are no
 separate reportable segments, as per the Accounting Standard on
 Segment Reporting (AS 17), notified by the Companies (Accounting
 Standards) Rules, 2006.
 
 24 As per the Accounting Standard on Related Party Disclosures (AS
 18), notified by the Companies (Accounting Standards) Rules, 2006, the
 related parties of the Corporation are as follows :
 
 A) Subsidiary Companies
 
 HDFC Developers Ltd.  HDFC Investments Ltd.
 
 HDFC Holdings Ltd.  HDFC Asset Management Company Ltd.
 
 HDFC Trustee Company Ltd.  HDFC Realty Ltd.
 
 HDFC Standard Life Insurance Company Ltd.  HDFC ERGO General Insurance
 Company Ltd.
 
 GRUH Finance Ltd.  HDFC Sales Pvt Ltd.
 
 HDFC Venture Capital Ltd.  HDFC Property Ventures Ltd.
 
 HDFC Ventures Trustee Company Ltd.  Griha Investments
 
 HDFC Asset Management Company (Singapore) Pte. Ltd.  (Subsidiary of
 HDFC Holdings Ltd.)
 
 (Subsidiary of HDFC Asset Management Company Ltd.) Credila Financial
 Services Pvt. Ltd. (w.e.f. July 9, 2010)
 
 B) Associate Companies HDFC Bank Ltd.
 
 India Value Fund Advisors Pvt. Ltd.  Indian Association for Savings and
 Credit RuralShores Business Services Pvt. Ltd.  Credila Financial
 Services Pvt. Ltd. (upto July 8, 2010)
 
 C) Entities over which control is exercised HDFC PROPERTY FUND – SCHEME
 –
 
 HDFC IT Corridor Fund HDFC Investment Trust
 
 D) Key Management Personnel Mr Keki M Mistry
 
 Ms Renu Sud Karnad Mr V Srinivasa Rangan
 
 E) Relatives of Key Management Personnel - (where there are
 transactions)
 
 Ms Arnaaz K Mistry Mr Rishi R. Sud Ms Swarn Sud
 
 Mr Ashok Sud Ms Riti Karnad Mr Ketan Karnad
 
 Ms Abinaya S Rangan
 
 25 In accordance with the Accounting Standard on Leases (AS 19),
 notified by the Companies (Accounting Standards) Rules, 2006, the
 following disclosures in respect of Operating Leases are made :
 
 26 In accordance with the Accounting Standard on Earnings Per Share
 (AS 20), notified by the Companies (Accounting Standards) Rules, 2006 :
 (i) In calculating the Basic Earnings Per Share the Profit After Ta x
 of Rs. 3534,95,81,311 (Previous Year Rs. 2826,48,98,200) has been adjusted
 for amounts utilised out of Shelter Assistance Reserve of Rs.
 11,47,63,981 (Previous Year Rs. 8,48,45,183).
 
 Accordingly the Basic Earnings Per Share has been calculated based on
 the adjusted Profit After Ta x of Rs. 3523,48,17,330 (Previous Year Rs.
 2818,00,53,017) and the weighted average number of shares during the
 year of 145,71,70,870 (Previous Year 142,61,76,790).
 
 27 In compliance with the Accounting Standard relating to Accounting
 for Taxes on Income (AS 22), notified by the Companies (Accounting
 Standards) Rules, 2006, the Corporation has taken credit of Rs.
 19,00,00,000 (Previous Year credit of Rs. 1,50,00,000) in the Profit and
 Loss Account for the year ended March 31, 2011 towards deferred tax
 asset (net) for the year, arising on account of timing differences.
 
 29 (i) Provision for Contingencies as on March 31, 2011 amounting to Rs.
 1,124.37 crores (Previous Year Rs. 655.57 crores) includes provisions for
 non–performing assets, standard assets and all other contingencies. In
 addition to the provisions against non-performing assets, vide the
 National Housing Bank circular No. NHB(ND)/DRS/DIR-18-07/1336/2007
 dated March 26, 2007, all housing finance companies are required to
 carry a general provision at the rate of 0.40% of the total outstanding
 amount of non-housing loans which are standard assets. Further, vide
 the National Housing Bank circular No. NHB.HFC.DIR.2/CMD/2010 dated
 December 24, 2010, all housing finance companies are required to carry
 a general provision (i) at the rate of 0.20% by March 31, 2011 and at
 the rate of 0.40% by September 2011 on all outstanding loans other than
 housing loans to individuals and (ii) at the rate of 2% on housing
 loans disbursed at comparatively lower rate of interest in the initial
 few years after which rates are reset at higher rates. Accordingly, the
 Corporation is required to carry a minimum provision of Rs. 813.53 crores
 (Previous Year Rs. 325.29 crores) towards non-performing assets and
 standard assets, as per the prudential norms of the National Housing
 Bank.
 
 30 Under Employees Stock Option Scheme - 2008 (ESOS-08), the
 Corporation had on November 25, 2008, granted 57,90,000 stock options
 at an exercise price of Rs. 1,350.60 per option representing 57,90,000
 equity shares of Rs. 10 each to the employees and directors of the
 Corporation. The said price was determined in accordance with the
 pricing formula approved by the shareholders i.e. at the latest
 available closing price on the stock exchange having higher trading
 volume, prior to grant of options.
 
 In terms of ESOS-08, the options would vest over a period of 1-3 years
 from the date of grant, but not later than November 24, 2011, depending
 upon option grantee completing continuous service of three years with
 the Corporation.  Accordingly, during the year 1,09,685 options
 (Previous Year 55,51,237 options) were vested and 1,545 options
 (Previous Year 3,650 options) were lapsed after vesting. The options
 can be exercised over a period of five years from the date of
 respective vesting.
 
 Under Employees Stock Option Scheme - 2007 (ESOS-07), the Corporation
 had on September 12, 2007, granted 54,56,835 stock options at an
 exercise price of Rs. 2,149 per option representing 54,56,835 equity
 shares of Rs. 10 each to the employees and directors of the Corporation.
 The said price was determined in accordance with the pricing formula
 approved by the shareholders i.e. at the latest available closing price
 on the stock exchange having higher trading volume, prior to grant of
 options.
 
 In terms of ESOS-07, the options would vest over a period of 1-3 years
 from the date of grant, but not later than September 11, 2010,
 depending upon option grantee completing continuous service of three
 years with the Corporation.  Accordingly, during the year 44,983
 options (Previous Year 96,541 options) were vested and 3,573 options
 (Previous Year 76,569 options) were lapsed after vesting. The options
 can be exercised over a period of five years from the date of
 respective vesting.
 
 Under Employees Stock Option Scheme - 2005 (ESOS-05), the Corporation
 had on October 25, 2005, granted 74,73,621 stock options at an exercise
 price of Rs. 912.90 per option representing 74,73,621 equity shares of Rs.
 10 each to the employees and directors of the Corporation. The said
 price was determined in accordance with the pricing formula approved by
 the shareholders i.e. at the latest available closing price on the
 stock exchange having higher trading volume, prior to grant of options.
 
 In terms of ESOS-05, the options would vest over a period of 2-3 years
 from the date of grant, but not later than October 24, 2008, depending
 upon option grantee completing continuous service of three years with
 the Corporation.  All the options have been vested in the earlier
 years. In the current year Nil option (Previous Year 16,388 options)
 were lapsed after vesting. The options can be exercised over a period
 of five years from the date of respective vesting.
 
 With effect from August 21, 2010, the nominal face value of equity
 shares of the Corporation was sub-divided from Rs. 10 per share to Rs. 2
 per share. Accordingly, each option exercised after August 21, 2010 is
 entitled to 5 equity shares of Rs. 2 each.
 
 Method used for accounting for share based payment plan:
 
 The Corporation has used intrinsic value method to account for the
 compensation cost of stock options to employees of the Corporation.
 Intrinsic value is the amount by which the quoted market price of the
 underlying share exceeds the exercise price of the option. Since the
 options under ESOS-08, ESOS-07 and ESOS-05 were granted at the market
 price, the intrinsic value of the option is Nil. Consequently the
 accounting value of the option (compensation cost) is also Nil.
 
 32 (i) Additional Ta x on dividend 2009-10, Rs. 1,06,60,197, pertains to
 the shortfall of dividend tax of the subsidiary companies of the
 Corporation on the dividend paid to the Corporation as per Section 115
 (O)(1A) of the Income Ta x Act, 1961. [Previous Year credit taken Rs.
 15,16,32,924 pertains to the dividend tax paid by the subsidiary
 companies of the Corporation on dividend paid to the Corporation.]
 
 (ii) In respect of equity shares issued pursuant to Employee Stock
 Option Schemes and conversion of FCCBs, the Corporation paid dividend
 of Rs. 13,82,78,916 for the year 2009-10 (Rs. 31,93,320 for the year
 2008-09) and tax on dividend of Rs. 2,29,66,399 (Previous Year Rs.
 5,42,705) as approved by the shareholders at the Annual General Meeting
 held on July 14, 2010.
 
 33 Figures for the previous year have been regrouped wherever
 necessary.