CREDIT INFORMATION BUREAU (INDIA) LIMITED

CREDIT INFORMATION BUREAU (INDIA) LIMITEDStandalone Balance Sheet for period 01/04/2010 to 31/03/2011

[610000] General information about financial statements

Unless otherwise specified, all monetary values are in INR

01/04/2010 to

31/03/2011

01/04/2009

to 31/03/2010

Disclosure of general information aboutcompany [abstract] Disclosure of company information[abstract] Name of company CREDIT INFORMATION BUREAU (INDIA) LIMITED Corporate identity number U72300MH2000PLC128359 Permanent account number of entity AABCC8003B

Address of registered office of companyHoechst House 6th Floor 193, Backbay Reclamation, Nariman Point,Mumbai 400021, Maharashtra, India

Type of industry Commercial and Industrial Disclosure of document information[abstract] Date of board meeting when finalaccounts were approved

24/06/2011

Period covered by financial statements Financial Year Date of start of reporting period 01/04/2010 01/04/2009 Date of end of reporting period 31/03/2011 31/03/2010 Nature of report standalone consolidated Standalone Content of report Balance Sheet Description of presentation currency INR Level of rounding used in financialstatements

Actual

Type of balance sheet Sources and Application of Funds [Vertical Format] Type of cash flow statement Indirect Method Disclosure of other general information[abstract] Date from which register of membersremained closed

04/08/2011

Date till which register of membersremained closed

04/08/2011

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CREDIT INFORMATION BUREAU (INDIA) LIMITED Standalone Balance Sheet for period 01/04/2010 to 31/03/2011

[630000] Disclosures - Directors report


01/04/2010 to

31/03/2011Disclosure in board of directors report [text block] Description of state of companies affair Textual information (1) [See below] Disclosures relating to dividends Textual information (2) [See below] Details regarding management discussion andanalysis

Textual information (3) [See below]

Details regarding foreign exchange earningsand outgo

Particulars Amount in Rs.A. Foreign Exchange Earnings NilB. Foreign ExchangeUsed Expenditure in Foreign Currency 1,983,522 CIF Value of Imports NilTotalForeign Exchange used 1,983,522

Particulars of employees as per provisions ofsection 217


Disclosures in director’s responsibilitystatement


Director's comments on qualification(s),reservation(s) or adverse remark(s) of the auditorsas per Board's report

NA

Other details mentioned board report Textual information (6) [See below] Date of Board of directors' meeting in whichboard's report referred to under section 217 wasapproved

24/06/2011

Textual information (1)

Description of state of companies affairYour Company has completed a decade of Operations. Over the last 5 years we have grown Sales at 79%CAGR and are now a well-establishedBureau, with members in excess of 500.In the financial year 2010-11 Sales have grown by 28%, on a much larger base. This achievement hasbeenenabled by a very focused approach to enhancing value of CIBIL products and services for theCustomer. The Company introduced new productsand strengthened its internal processes throughout theyear. There was relentless focus on implementation of strategy and plans that were preparedby theManagement and whole heartedly supported by the Board of Directors.Due to significantly enhanced and strengthened business operationsthere was a significant pressure oncosts, particularly staff costs where there was a substantial increase both in numbers and salaries. Withgoodsales growth, efficiencies in Operations, tight management of cash flows which resulted insignificant increase in treasury income, impact of thesecosts was lessened on the profitability &commercial viability of the business. Company profits before taxes grew by 11% and those aftertaxesgrew by 8%.Cash generated from business during the year was prudently invested for future requirements.(Rs. In Millions)Particulars2010-2011 2009-2010Membership Fees:InitialAnnualService Report FeesInterest Income on FDs and OthersOtherIncome16.5511.12707.5848.2023.165.9313.92550.9134.9930.22Total Income 806.61 635.97Total Expenditure 482.82 343.22Profit before Tax323.79 292.75Provision for Taxation 108.87 93.26Profit after Tax 214.92 199.49


Disclosures relating to dividendsYour Directors are extremely pleased to recommend a first ever Dividend of 10 %, amounting to Re. 1/-per paid up Equity Share.This, ifapproved by the members, will entail a total payment of Rs. 2,90,55,625/- (incl. DividendDistribution Tax).

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Details regarding management discussion and analysisREVIEW OF OPERATIONS:I. Consumer Bureau OperationsCIBIL witnessed growth in the Consumer Bureau operations, both quantitativelyand qualitatively.The Consumer Bureau now houses credit information on over 175 million records contributed by500 plus members.1. ProcessAutomationIn the year 2010-11, CIBIL has invested considerable resource and time in automation ofprocesses which resulted in improvedturnaround time (TAT) for most deliverables. The focuswas on development of applications in-house to equip CIBILians with information on acommonplatform. These automations have resulted in reduction ion TAT for -o Data uploado CIR query resolutiono Enquiry processingoMember Data correction (Online maintenance-OLM)2. Data Quality and SecurityGiven that data forms the foundation of all CIBILs products andservices, we have undertakenseveral new initiatives on this fronto Data Freshness & completeness: Focus was on preparing Data Quality (DQ)reports &coordinating with Members for submitting complete data earlier.o Data Security: The entire data upload process was automated toreduce human dependency& process accuracy. Members were encouraged to submit the data using certified encryptiontool and using secure FTPas the only means of transfer.II. Commercial Bureau OperationsThe Commercial Bureau now has 121 plus members and over 7 million records.1.Process AutomationCIBIL has invested considerable resource and time in automation of processes that havedramatically improved overallturnaround time (TAT) for most deliverables. Some of theautomations have resulted in Data upload TAT reduction through Intra-tape duplicationremoval.There is reduction in Manual Review count due to automation, leading to considerable input costreduction.2. Data SubmissionThere hasbeen significant addition in trade lines and borrower volume.III. MembershipCIBILs initiative to reach credit institutions in other sectors likeCo-operative Banks, RegionalRural Banks (RRBs) and other NBFCs received an overwhelming response from these segments.11IV. NewProductsCIBIL achieved a crucial milestone in the year 2010-11 by launching two industry widerepositories CIBIL Detect and CIBILTransUnion Mortgage Check. Both the repositoriesare addressed to build an industry level fraud information infrastructure thereby reducingfrauds,and helping institutions improve business growth and achieve enhanced portfolio profitability.CIBIL Detect The first of its kind in India,CIBIL Detect is a repository of high risk activities that helpsinstitutions minimize risk by creating a central database of all confirmedfrauds,attempted/suspect, and under investigation cases across banks and financial institutions.Detect was launched by CIBIL in July 2010 tobuild an effective counter fraud mechanismfor the industry. This comprehensive and centralized database helps credit institutions greatly reducethe risksassociated with fraudulent and suspicious activities. This is a one point reference bank on allthe high risk incidents in the financialdomain in India.CIBIL TransUnion Mortgage Check CIBIL Mortgage Check was launched in September 2010 for existing CIBIL members asanadvanced risk mitigation tool for preventing frauds due to multiple financing. Along withstoring information on the properties mortgaged, therepository discourages dubiousborrowers from availing double financing and engaging in other such fraudulent activities. Mortgage check enablesFinancial Institutions to electronically and quickly search a propertyaddress, verify if it is already mortgaged, and obtain comprehensive borrowerand loandetails. Mortgage Check benefits the housing finance industry by minimizing instances ofmultiple financing frauds due to forged or faketitle deeds. Leading Financial Institutions across the categories of Housing Finance Companies, PSU /Pvt / Foreign Banks, NBFCs have startedaccessing Mortgage Check repository.V. Functional Initiativesi. Consumer RelationsLast year CIBIL had started offering credit informationreports to individuals. There wereseveral initiatives undertaken throughout the year to enhance the offering to the consumers.We launched theon-line payment gateway for ease of payments through credit cards, debitcards and net banking facilities. An on-line dispute initiation mechanismwas introducedso that consumers could raise disputes on their credit information reports on-line.ii. Enhancing the CIBIL BrandTo strengthen theCIBIL brand communications and its marketing program, CIBIL hasaggressively undertaken several initiatives: Public Relations: Awareness ofCIBIL and its role in providing credit information tothe industry has significantly increased over the years. Over 500 media articles onCIBILappeared across the mainline, financial and vertical media in FY 2010-2011. Consumer Education and Awareness: The importance ofeducating the Indianconsumer on maintaining a healthy credit profile cannot be understated. CIBIL acceptsits responsibility to help in thiseducation process and the outcome will be an informedconsumer who will use credit wisely and benefit from the flow of credit in theeconomy.12As part of this initiative CIBIL has started contributing weekly/fortnightly/monthlycolumns to various national and regionalpublications. CIBIL TransUnion Credit Reporting Conferences: In March 2011, CIBIL inassociation with TransUnion hosted the Third AnnualCredit Information Conference.This was a one day conference and witnessed participation of over 300 seniorprofessionals from the bankingindustry and was very helpful in building CIBILsthought leadership. Eminent leaders from the banking industry were invited as speakersat theconference. This conference has emerged as the Industrys platform to discuss andenvision a collaborative roadmap for the growth of business andthe economy. Apartfrom the Annual Conference CIBIL in association with TransUnion hosted the FirstRegional Conference in Chennai inDecember 2010. Event Speakerships: Mr. Arun Thukral, Managing Director, CIBIL spoke oncontemporary topics at various key Industry eventsthroughout the year, further buildingCIBILs thought leadership in the Industry. Customer Satisfaction Survey: Customers form the center of allour processes,strategies and services. As part of our ongoing commitment to improving customer careand satisfaction, we designed and conducteda CIBIL customer satisfaction survey. Thissurvey will help us to improve our services and offerings, and bring new and improvedsolutions for ourcustomers.iii. User GroupCIBIL has identified and formed a closed user group comprising some of its key memberrepresentatives. The objectivebeing:1. The primary objective of this senior level executive group has been to ensure CIBILand its members accelerate movement towards astrong, vibrant and healthy creditbased economy for India.2. Focus of these meetings is ongoing dialogue and knowledge sharing in the areasofCIC best practices, improved standards for data sharing, data quality initiatives andother critical business process enhancements.iv. BusinessContinuity Management (BCM)In line with the Companys BCM endeavors, a Business Continuity Plan (BCP) is chalkedout. To counter anyunforeseen disruption to the business/systems, a Disaster Recovery(DR) site has been set up and regular DR drills are conducted.v. Finance andStrategyCash flows have been tightly managed throughout the year, with good focus on timelyrealisations and investment of these cash flows.Monthly reviews have been strengthenedfurther, to provide speedier remedial and growth enhancing actions. CIBIL has developedgood processesfor identifying current opportunities and taking care of costs & efficienciesin line with growth of the business. This enables profitable growth,despite so manyinvestments being done in technology, people and processes.13vi. Human Relations and AdministrationCIBIL has a very trustingand performance-oriented work culture, which is strengthenedthrough various culture building activities that happen round the year. Substantialgrowthin business has brought about its own challenges for hiring, retaining, motivating andtraining employees and the Companys processesrelating to these have been stepped upfurther. Very high quality KRA setting process, which aligns individual performance toCorporate goals &priorities, coupled with quarterly performance progress reviews helpedenhance efficiencies throughout the Organisation.In line with growth innumber of people, additional office space was taken on lease duringthe financial year. The new Office is very contemporary and providesexcellent workenvironment. Various activities were undertaken towards employees health & safety andencouraging a balanced work-life.Withthese initiatives CIBIL has been able to manage talent hiring, appropriate staffing,enhancement of skills, improvements in efficiencies, addressing

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sub-par performance, andemployee retention and the CIBIL team is positioned for taking the Company to muchgreater heights,vii. Legal andSecretarialCIBIL has internal processes to protect Companys business standing and to mitigatepossible risks.VI. Corporate Social Responsibility(CSR)CIBIL believes that a company can achieve sustainable development by ensuring socioeconomicdevelopment of the society. In line withthis corporate philosophy, CIBIL hasidentified key areas where it can make a difference and contribute towards betterment of thesociety. Itincludes extending support to 'Education of slum children in Govandi' project run bySave the Children NGO. The project involves CIBILproviding the financial support for settingup of tuition classes for these underprivileged children. The tuition classes are aimed at helpingthechildren supplement their studies at the local BMC schools thereby minimizing dropout rates.CIBIL employees also provide support to thisproject by volunteering for conducting theseclasses on a regular basis.


Particulars of employees as per provisions of section 217ANNEXURE TO THE REPORT OF THE BOARD OF DIRECTORSSr. No. Name Age(Year)Designation/Nature ofDutiesRemunerationreceived *Qualification TotalExperience(Years)Date ofCommencement ofEmploymentLast employmentheld/Designation(A) Employed throughout the year1 Arun Thukral 58 Managing Director 11,243,784 Diploma in Sales &Marketing, MA,BA(Honors)34 14-Mar-05 Dun & BradstreetRegional Director2 Satrajit Saha 37 Vice President - Sales 6,454,906 BE (Electronics),MBA,IIM-A12 1-Apr-10 Deutsche BankVP - National SalesManager, CreditCards and RevenueProducts163 Sudesh Puthran 42 CIO &Executive VicePresident - Operations6,320,082 Master in FinanceManagement & BE(Electronics andTelecom)19 11-Oct-02 CRISILCTO4Vivek Kumar Aggarwal 50 CFO & Executive VicePresident - HR, Legal &Strategy6,486,959 B. Com(H), FICWA,FCA, DiplomainAdvancedManagement, MIMA25 13-Dec-07 Cadbury SchweppesBusiness ServicesVP - Global FinancialControl* Excludes Provision forESARs(B) Employed for a part of the yearNILNOTES :1.2. Contribution to Gratutiy for the above employees,except for Mr.Arun Thukral, ismade collectively as per Company's Group Gratuity policy and is notdeterminable separately and hence not included for them.3. The nature ofemployment of Mr. Arun Thukral is contractual.4. None of the employee is a relative of any Director of the Company.Statement of particulars ofemployees pursuant to the provisions of section 217(2A) of the Companies Act, 1956 read with the Companies (Particulars ofEmployees) Rules,1975 and forming part of the Director's Report for the year ended March 31, 2011Remuneration shown above includes salary, allowances,perquisites, performance linked payments


Disclosures in director’s responsibility statementIn accordance with the provisions of Section 217(2AA) of the Companies Act, 1956, your Directorsplace on record a Responsibility Statementstating that:(i) In the preparation of the accounts, the applicable accounting standards have beenfollowed;(ii) Accounting policies selected wereapplied consistently. Reasonable and prudentjudgements and estimates were made so as to give a true and fair view of the state ofaffairs of theCompany as at the end of March 31, 2011 and of the Profit of the Companyfor the year ended on that date,(iii) Proper and sufficient care has beentaken for the maintenance of adequate accountingrecords in accordance with the provisions of the Companies Act, 1956, for safeguardingtheassets of the Company and for preventing and detecting frauds and other irregularities,and(iv) The annual accounts of the Company have beenprepared on a going concern basis


Other details mentioned board reportDirectors Retiring by RotationMs. Renu Karnad and Mr. Rajesh Mirchandani, Directors of the Company, retire by rotation as perSection 256 ofthe Companies Act, 1956 and being eligible offer themselves for re-appointment.Changes in the Board of DirectorsDuring the year under thereview Mr. S Kothandaraman, Mr. P. Nanda Kumaran and Mr. AnindoMukherjee resigned from the Board of Directors of the Company witheffect from January 31, 2011,March 8, 2011 and March 28, 2011 respectively. The Board of Directors would like to place on recordtheir sincereappreciation for the valuable services rendered by them during their tenure with theCompany.The Board of Directors appointed Mr. BhaskarNiyogi and Mr. Sridhar Iyer as Additional Directorseffective from March 8, 2011 and June 24, 2011 respectively. Mr. Bhaskar Niyogi and Mr.Sridhar Iyerhold office up to the date of the ensuing Annual General Meeting. In accordance with the provisions ofSection 257 of the CompaniesAct, 1956, Mr. Bhaskar Niyogi and Mr. Sridhar seek appointment as aDirector at the ensuing Annual General Meeting.Necessary resolutionsrelating to Directors who are seeking appointment / re-appointment are included inthe Notice of the Annual General Meeting.FIXEDDEPOSITSThe Company has not accepted any deposits within the meaning of Section 58A of the Companies Act,1956 and the Rules made thereunder.AUDITORSThe Statutory Auditors, M/s Deloitte Haskins & Sells., Chartered Accountants who retire at theconclusion of 11th AnnualGeneral Meeting to be held on August 4, 2011 and being eligible, offerthemselves for reappointment. A certificate from them has been received tothe effect that their reappointment,if made, would be within the limits prescribed under Section 224(1B) of the CompaniesAct, 1956.

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01/04/2010 to 31/03/2011Details of directors signing board report

Unless otherwise specified, all monetary values are in INR1 2

Name of director signing board report [abstract] First name of director Arun Rajesh Middle name of director Hiro Last name of director Thukral Mirchandani Designation of director MANAGING DIRECTOR DIRECTOR Director identification number of director 00974749 00910079 Date of signing board report 24/06/2011 24/06/2011

[620000] Disclosures - Auditors report


01/04/2010 to

31/03/2011Disclosure in auditor’s report [text block] Whether auditors' report has been qualified or hasany reservations or contains adverse remarks

No

Disclosure in auditors report relating to fixed assets Disclosure relating to quantitative details offixed assets

The Company has maintained proper records showing full particulars,includingquantitative details and situation of the fixed assets

Disclosure relating to physical verification andmaterial discrepancies of fixed assets


Disclosure relating to fixed assets disposed off Textual information (8) [See below] Disclosure in auditors report relating to internalcontrol system


Disclosure in auditors report relating to contractsand arrangements under section301 of companies act


Disclosure relating to presence of register fornecessary transactions

The particulars of contracts or arrangements referred to in Section 301 that neededto beentered into the Register maintained under the said Section have been soentered.

Disclosure relating to reasonability of transactions Textual information (11) [See below] Disclosure in auditors report relating to companiesinternal audit system


Disclosure in auditors report relating to statutorydues

The Company has been regular in depositing undisputed statutory dues,includingProvident Fund, Income-tax, Wealth Tax and other material statutorydues with theappropriate authorities during the year.

Disclosure relating to regularity in payment ofundisputed statutory dues


Disclosure relating to disputed statutory dues Textual information (14) [See below] Disclosure in auditors report relating to nature andamount of fund raised for short-term has been usedfor long-term or vice versa


Disclosure in auditors report relating to anymaterial fraud reported during period

To the best of our knowledge and according to the information and explanationsgiven to us, nofraud on or by the Company has been noticed or reported during theyear.


Disclosure relating to physical verification and material discrepancies of fixed assetsThe fixed assets were physically verified during the year by the Management inaccordance with a regular programme of verification, which, inour opinion, provides forphysical verification of all the fixed assets at reasonable intervals. According to theinformation and explanations given tous, no material discrepancies were noticed onsuch verification.

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Disclosure relating to fixed assets disposed offThe fixed assets disposed off during the year, in our opinion, do not constitute asubstantial part of the fixed assets of the Company and suchdisposal has, in our opinion,not affected the going concern status of the Company


Disclosure in auditors report relating to internal control systemIn our opinion and according to the information and explanations given to us, there is anadequate internal control system commensurate with thesize of the Company and the nature ofits business with regard to purchases of fixed assets and the sale of services. During the course ofaudit, wehave not observed any major weakness in such internal control system.


Disclosure in auditors report relating to contracts and arrangements under section301 of companies actIn respect of contracts or arrangements entered in the Register maintained in pursuance ofSection 301 of the Companies Act, 1956, to the best ofour knowledge and belief and accordingto the information and explanations given to us:


Disclosure relating to reasonability of transactionsWhere each of such transactions is in excess of Rs. 5 lakhs in respect of any party, thetransactions have been made at prices which are prima faciereasonable having regard to theprevailing market prices at the relevant time except in respect of certain transactions forwhich comparablequotations are not available and in respect of which we are unable tocomment.


Disclosure in auditors report relating to companies internal audit systemIn our opinion, the internal audit functions carried out during the year by a firm of CharteredAccountants appointed by the Management havebeen commensurate with the size of the Companyand nature of its business.


Disclosure relating to regularity in payment of undisputed statutory duesThere were no undisputed amounts payable in respect of Income-tax, Wealth Tax, andother material statutory dues in arrears as at 31st March,2011 for a period of more thansix months from the date they became payable.


Disclosure relating to disputed statutory duesDetails of dues of Service Tax which were unpaid as on 31st March, 2011 which havenot been deposited on account of disputes are givenbelow:Statute Nature of Dues Forum whereDispute ispendingPeriod to whichthe amount relatesAmount involved(Rs. in lakhs)The ServiceTaxActService Tax AssistantCommissioner,Service Tax2003-2004to2004-200517,77,200

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Disclosure in auditors report relating to nature and amount of fund raised for short-term has been used for long-termor vice versa

In our opinion and according to the information and explanations given to us and on an overallexamination of the Balance Sheet, we report thatfunds raised on short-term basis have not beenused during the year for long- term investment.

01/04/2010 to 31/03/2011Details regarding auditors

Unless otherwise specified, all monetary values are in INR1

Name of audit firm Deloitte Haskins & Sells Name of auditor signing report SHAH NALIN MANSUKHLAL Membership number of auditor 015860 Address of auditors 12, Dr. Annie Besant Raod, Opp. Shiv Sagar Estate, Worli, Mumbai 400 018 Permanent account number of auditor or auditor's firm AACFD4815A SRN of form 23B S05649124 Date of signing audit report by auditors 24/06/2011 Date of signing of balance sheet by auditors 24/06/2011

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[100000] Sources and Application of Funds


31/03/2011 31/03/2010Sources application funds [abstract] Sources of funds [abstract] Shareholders' funds [abstract] Paid-up share capital 25,00,00,000 25,00,00,000 Reserves surplus 68,27,88,340 49,69,25,070 Shareholders' funds 93,27,88,340 74,69,25,070 Net deferred tax liability 2,15,95,000 2,15,70,000 Loan funds [abstract] Secured loans 0 0 Unsecured loans 0 0 Loan funds 0 0 Sources of funds 95,43,83,340 76,84,95,070 Application of funds [abstract] Fixed assets [abstract] Net block [abstract] Gross block 45,15,88,102 37,39,81,825 Accumulated depreciation, amortization and impairment [abstract] Accumulated depreciation amortisation 25,43,24,099 20,72,53,265 Accumulated depreciation amortisation impairment 25,43,24,099 20,72,53,265 Net block 19,72,64,003 16,67,28,560 Capital work-in progress, net 94,11,337 47,59,560 Fixed assets 20,66,75,340 17,14,88,120 Investments, net 0 0 Net current assets [abstract] Current assets loans advances [abstract] Current assets [abstract] Sundry debtors 9,62,34,271 8,62,66,814 Cash bank balance 68,29,51,715 52,24,57,440 Inventories 0 0 Other current assets 3,20,95,419 1,65,32,428 Current assets 81,12,81,405 62,52,56,682 Loans advances 14,01,94,872 6,70,08,991 Current assets loans advances 95,14,76,277 69,22,65,673 Current liabilities provisions [abstract] Current liabilities 12,80,07,989 7,86,63,760 Provisions 7,57,60,288 1,65,94,963 Current liabilities provisions 20,37,68,277 9,52,58,723 Net current assets 74,77,08,000 59,70,06,950 Miscellaneous expenditure not written off 0 0 Application of funds 95,43,83,340 76,84,95,070

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[640000] Disclosures - Signatories of balance sheet


01/04/2010 to

31/03/2011Details of signatories of balance sheet [abstract] Details of company secretary [abstract] Name of company secretary Swati Naik Permanent account number of company secretary AQSPS6921Q Date of signing of balance sheet by company secretary 24/06/2011

01/04/2010 to 31/03/2011Details of directors signing balance sheet

Unless otherwise specified, all monetary values are in INR1 2

Name of director signing balance sheet [abstract] First name of director Arun Rajesh Middle name of director Hiro Last name of director Thukral Mirchandani Designation of director MANAGING DIRECTOR DIRECTOR Director identification number of director 00974749 00910079 Date of signing of balance sheet by director 24/06/2011 24/06/2011

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[300000] Statement of Cash Flow, Indirect Method


01/04/2010 to

31/03/2011

01/04/2009 to

31/03/201031/03/2009

Cash flow statement [abstract] Net increase decrease cash and cash equivalents [abstract] Net cash flow from used in operating activities [abstract] Net profit loss before tax extraordinary items 32,37,85,975 29,27,51,955 Adjustments profit loss operations [abstract] Adjustment depreciation depletion amortisation [abstract] Adjustment depreciation 2,83,58,316 1,89,06,175 Adjustment amortisation 2,13,61,976 3,18,41,964 Adjustment depreciation depletion amortisation 4,97,20,292 5,07,48,139 Adjustment provisions, net [abstract] Adjustment provision doubtful debts advances 7,42,514 0 Adjustment provision doubtful debts advances written back 2,90,368 3,59,060 Adjustment provision employee benefits 1,40,07,691 8,82,065 Adjustment provisions, net 1,44,59,837 5,23,005 Adjustment gain loss sale disposal fixed assets 7,78,931 -2,91,820 Adjustment gain loss sale redemption investments 0 -1,40,38,954 Adjustment interest expense 12,19,450 2,690 Adjustment interest dividend income [abstract] Adjustment interest received [abstract] Adjustment interest current investments 4,81,98,239 3,41,60,914 Adjustment interest received 4,81,98,239 3,41,60,914 Adjustment interest dividend income 4,81,98,239 3,41,60,914 Adjustments profit loss operations 1,79,80,271 27,82,146 Operating profit loss before changes working capital 34,17,66,246 29,55,34,101 Changes working capital [abstract] Changes current assets loans advances [abstract] Changes sundry debtors -96,77,090 1,46,62,299 Changes loans advances -13,27,832 -67,02,390 Changes current assets loans advances -1,10,04,922 79,59,909 Changes current liabilities provisions [abstract] Changes trade other payables [abstract] Changes trade payables 4,82,51,182 -1,18,65,419 Changes trade other payables 4,82,51,182 -1,18,65,419 Changes current liabilities provisions 4,82,51,182 -1,18,65,419 Changes working capital 3,72,46,260 -39,05,510 Cash from generated operations 37,90,12,506 29,16,28,591 Direct taxes paid refunded 10,17,91,394 10,27,56,125 Net cash flow from used in operating activities 27,72,21,112 18,88,72,466 Net cash flow used in investing activities [abstract] Purchase development fixed assets [abstract] Purchase tangible fixed assets 8,21,06,715 6,67,66,282 Payments development fixed assets 46,51,777 -65,98,500 Purchase development fixed assets 8,67,58,492 6,01,67,782 Payments investing bank deposits 61,67,00,000 41,67,00,000 Loans advances to others [abstract] Advances to others 0 0 Loans advances to others 0 0 Proceeds sale disposal fixed assets [abstract] Proceeds sale disposal tangible fixed assets 10,72,050 9,82,000 Proceeds sale disposal fixed assets 10,72,050 9,82,000 Proceeds sale redemption investments debt securities 0 9,92,49,943

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Proceeds sale redemption investments bank deposits 42,23,00,000 16,00,01,000 Proceeds interest dividend investments [abstract] Proceeds interest investments [abstract] Proceeds interest bank deposits 3,14,59,605 2,16,83,580 Proceeds interest investments 3,14,59,605 2,16,83,580 Proceeds interest dividend investments 3,14,59,605 2,16,83,580 Net cash flow used in investing activities -24,86,26,837 -19,49,51,259 Net increase decrease cash and cash equivalents 2,85,94,275 -60,78,793 Cash and Cash Equivalents, Ending Balance 4,23,51,615 1,37,57,340 1,98,36,133

[100100] Schedule - Share capital


01/04/2010 to

31/03/2011

01/04/2009 to

31/03/2010Share capital [abstract] Authorised share capital [abstract] Authorised equity share capital 50,00,00,000 50,00,00,000 Authorised preference share capital 0 0 Authorised share capital 50,00,00,000 50,00,00,000 Issued subscribed share capital [abstract] Issued share capital [abstract] Equity share capital issued 25,00,00,000 25,00,00,000 Preference share capital issued 0 0 Issued share capital 25,00,00,000 25,00,00,000 Subscribed share capital [abstract] Equity share capital subscribed 25,00,00,000 25,00,00,000 Preference share capital subscribed 0 0 Subscribed share capital 25,00,00,000 25,00,00,000 Paid-up share capital [abstract] Paid-up equity share capital 25,00,00,000 25,00,00,000 Paid-up preference share capital 0 0 Calls arrears [abstract] Calls unpaid by directors 0 0 Calls unpaid by others 0 0 Calls arrears 0 0 Forfeited shares 0 0 Forfeited shares reissued 0 0 Paid-up share capital 25,00,00,000 25,00,00,000 Other details regarding share capital na na

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01/04/2010 to 31/03/2011Details of every class of share capital


Type of share Equity Nature of share Transferrable Nominal value per authorised share [INR/shares] 10 Number of authorised shares [shares] 5,00,00,000 Value of authorised shares 50,00,00,000 Nominal value per issued share [INR/shares] 10 Number of issued shares [shares] 2,50,00,000 Value of issued shares 25,00,00,000 Nominal value per subscribed share [INR/shares] 10 Number of subscribed shares [shares] 2,50,00,000 Value of subscribed shares 25,00,00,000 Nominal value per paid-up share [INR/shares] 10 Number of paid-up shares [shares] 2,50,00,000 Value of paid-up shares 25,00,00,000

01/04/2009 to 31/03/2010Details of every class of share capital


Type of share Equity Nature of share Transferrable Nominal value per authorised share [INR/shares] 10 Number of authorised shares [shares] 5,00,00,000 Value of authorised shares 50,00,00,000 Nominal value per issued share [INR/shares] 10 Number of issued shares [shares] 2,50,00,000 Value of issued shares 25,00,00,000 Nominal value per subscribed share [INR/shares] 10 Number of subscribed shares [shares] 2,50,00,000 Value of subscribed shares 25,00,00,000 Nominal value per paid-up share [INR/shares] 10 Number of paid-up shares [shares] 2,50,00,000 Value of paid-up shares 25,00,00,000

[100200] Schedule - Reserves and Surplus


01/04/2010 to

31/03/2011

01/04/2009 to

31/03/201031/03/2009

Reserves surplus [abstract] Profit loss account [abstract] Changes profit loss account [abstract] Additions profit loss account 21,49,18,895 19,94,91,955 Deductions profit loss account 2,90,55,625 0 Changes profit loss account 18,58,63,270 19,94,91,955 Profit (Loss) Account, Ending Balance 68,27,88,340 49,69,25,070 29,74,33,115 Reserves surplus 68,27,88,340 49,69,25,070

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[100210] Schedule - Reserves and Surplus [Summary]


01/04/2010 to

31/03/2011

01/04/2009 to

31/03/2010Reserves surplus [abstract] Changes reserves surplus 18,58,63,270 19,94,91,955 Reserves and Surplus, Ending Balance 68,27,88,340 49,69,25,070

[100300] Schedule - Secured debt


31/03/2011 31/03/2010Secured loans [abstract] Working capital loans secured [abstract] Working capital loans banks secured 0 0 Working capital loans financial institutions secured 0 0 Working capital loans others secured 0 0 Working capital loans secured 0 0 Secured loans 0 0

[100400] Schedule - Unsecured debt


31/03/2011 31/03/2010Unsecured loans [abstract] Public deposits unsecured 0 0 Unsecured loans 0 0

14


[100600] Schedule - Fixed assets


01/04/2010 to

31/03/201131/03/2010

Summary of assets [abstract] Net block [abstract] Additions to, gross block during period 8,21,06,715 Deductions in, gross block during period 45,00,438 Gross block, at end of period 45,15,88,102 37,39,81,825 Accumulated depreciation, amortization and impairment [abstract] Depreciation amortisation during period 4,97,20,292 Deductions in depreciation amortisation during period 26,49,457 Other adjustments to depreciation amortisation during period -1 Accumulated depreciation amortisation, at end of period 25,43,24,099 20,72,53,265 Accumulated depreciation amortisation impairment, at end of period 25,43,24,099 20,72,53,265 Net block, at end of period 19,72,64,003 16,67,28,560Capital work-in progress, net [abstract] Other capital work-in progress, net 94,11,337 47,59,560 Capital work-in progress, net 94,11,337 47,59,560Classes of assets [abstract] Tangible assets, net [abstract] Equipments, net [abstract] Office equipments, net [abstract] Additions to office equipments, gross during period 44,24,512 Deductions in office equipments, gross during period 19,22,649 Office equipments, gross, at end of period 1,18,36,262 93,34,399 Depreciation office equipments during period 36,36,304 Deductions in depreciation office equipments during period 6,03,625 Other adjustments to depreciation office equipments during period 0 Accumulated depreciation office equipments, at end of period 54,98,007 24,65,328 Office equipments, net, at end of period 63,38,255 68,69,071 Computer equipments, net [abstract] Additions to computer equipments, gross during period 3,33,02,415 Deductions in computer equipments, gross during period 6,54,333 Computer equipments, gross, at end of period 16,56,05,291 13,29,57,209 Depreciation computer equipments during period 2,06,24,381 Deductions in depreciation computer equipments during period 4,21,245 Other adjustments to depreciation computer equipments during period 0 Accumulated depreciation computer equipments, at end of period 7,66,29,460 5,64,26,324 Computer equipments, net, at end of period 8,89,75,831 7,65,30,885 Other equipments, net [abstract] Additions to other equipments, gross during period 2,37,346 Deductions in other equipments, gross during period 0 Other equipments, gross, at end of period 4,17,945 1,80,599 Depreciation other equipments during period 70,397 Deductions in depreciation other equipments during period 0 Other adjustments to depreciation other equipments during period 0 Accumulated depreciation other equipments, at end of period 1,66,933 96,536 Other equipments, net, at end of period 2,51,012 84,063 Equipments, net 9,55,65,098 8,34,84,019 Furniture fixtures, net [abstract] Additions to furniture fixtures, gross during period 17,75,066 Deductions in furniture fixtures, gross during period 0 Furniture fixtures, gross, at end of period 48,39,925 30,64,859 Depreciation furniture fixtures during period 14,61,248

15


Deductions in depreciation furniture fixtures during period 0 Other adjustments to depreciation furniture fixtures during period 0 Accumulated depreciation furniture fixtures, at end of period 30,13,861 15,52,613 Furniture fixtures, net, at end of period 18,26,064 15,12,246 Vehicles, net [abstract] Motor vehicles, net [abstract] Additions to motor vehicles, gross during period 26,69,006 Deductions in motor vehicles, gross during period 19,23,456 Motor vehicles, gross, at end of period 63,15,022 55,69,472 Depreciation motor vehicles during period 14,19,198 Deductions in depreciation motor vehicles during period 16,24,587 Other adjustments to depreciation motor vehicles during period 0 Accumulated depreciation motor vehicles, at end of period 11,25,612 13,31,001 Motor vehicles, net, at end of period 51,89,410 42,38,471 Vehicles, net 51,89,410 42,38,471 Leasehold properties, net [abstract] Leasehold improvements, net [abstract] Additions to leasehold improvements, gross during period 1,61,99,773 Deductions in leasehold improvements, gross during period 0 Leasehold improvements, gross, at end of period 2,84,05,003 1,22,05,230 Depreciation leasehold improvements during period 11,46,788 Deductions in depreciation leasehold improvements during period 0 Other adjustments to depreciation leasehold improvements during period 0 Accumulated depreciation leasehold improvements, at end of period 1,33,52,018 1,22,05,230 Leasehold improvements, net, at end of period 1,50,52,985 0 Leasehold properties, net 1,50,52,985 0 Intangible assets, net [abstract] Computer software, net [abstract] Additions to computer software, gross during period 2,33,22,597 Deductions in computer software, gross during period 0 Computer software, gross, at end of period 23,39,92,654 21,06,70,057 Amortisation computer software during period 2,13,52,380 Deductions in amortisation computer software during period 0 Other adjustments to amortisation computer software during period -1 Accumulated amortisation computer software, at end of period 15,45,28,612 13,31,76,233 Computer software, net, at end of period 7,94,64,042 7,74,93,824 Patents trademarks design, net [abstract] Additions to patents trademarks design, gross during period 1,76,000 Deductions in patents trademarks design, gross during period 0 Patents trademarks design, gross, at end of period 1,76,000 0 Amortisation patents trademarks design during period 9,596 Deductions in amortisation patents trademarks design during period 0 Accumulated amortisation patents trademarks design, at end of period 9,596 0 Patents trademarks design, net, at end of period 1,66,404 0

16


[100610] Schedule - Fixed assets, net-gross classification


01/04/2010 to

31/03/201131/03/2010

Gross block [abstract] Tangible assets, gross [abstract] Equipments, gross [abstract] Office equipments, gross 1,18,36,262 93,34,399 Computer equipments, gross 16,56,05,291 13,29,57,209 Other equipments, gross 4,17,945 1,80,599 Equipments, gross 17,78,59,498 14,24,72,207 Furniture fixtures, gross 48,39,925 30,64,859 Vehicles, gross [abstract] Motor vehicles, gross 63,15,022 55,69,472 Vehicles, gross 63,15,022 55,69,472 Leasehold properties, gross [abstract] Leasehold improvements, gross 2,84,05,003 1,22,05,230 Leasehold properties, gross 2,84,05,003 1,22,05,230 Tangible assets, gross 21,74,19,448 16,33,11,768 Intangible assets, gross [abstract] Computer software, gross 23,39,92,654 21,06,70,057 Patents trademarks design, gross 1,76,000 0 Intangible assets, gross 23,41,68,654 21,06,70,057 Gross block 45,15,88,102 37,39,81,825Accumulated depreciation, amortization and impairment [abstract] Accumulated depreciation amortisation [abstract] Accumulated depreciation on tangible assets [abstract] Accumulated depreciation equipments [abstract] Accumulated depreciation office equipments 54,98,007 24,65,328 Accumulated depreciation computer equipments 7,66,29,460 5,64,26,324 Accumulated depreciation other equipments 1,66,933 96,536 Accumulated depreciation equipments 8,22,94,400 5,89,88,188 Accumulated depreciation furniture fixtures 30,13,861 15,52,613 Accumulated depreciation vehicles [abstract] Accumulated depreciation motor vehicles 11,25,612 13,31,001 Accumulated depreciation vehicles 11,25,612 13,31,001 Accumulated depreciation leasehold properties [abstract] Accumulated depreciation leasehold improvements 1,33,52,018 1,22,05,230 Accumulated depreciation leasehold properties 1,33,52,018 1,22,05,230 Accumulated depreciation tangible assets 9,97,85,891 7,40,77,032 Accumulated amortisation on intangible [abstract] Accumulated amortisation computer software 15,45,28,612 13,31,76,233 Accumulated amortisation patents trademarks design 9,596 0 Accumulated amortisation intangible assets 15,45,38,208 13,31,76,233 Accumulated depreciation amortisation 25,43,24,099 20,72,53,265 Accumulated depreciation amortisation impairment 25,43,24,099 20,72,53,265Net block [abstract] Tangible assets, net [abstract] Equipments, net [abstract] Office equipments, net 63,38,255 68,69,071 Computer equipments, net 8,89,75,831 7,65,30,885 Other equipments, net 2,51,012 84,063 Equipments, net 9,55,65,098 8,34,84,019 Furniture fixtures, net 18,26,064 15,12,246 Vehicles, net [abstract]

17


Motor vehicles, net 51,89,410 42,38,471 Vehicles, net 51,89,410 42,38,471 Leasehold properties, net [abstract] Leasehold improvements, net 1,50,52,985 0 Leasehold properties, net 1,50,52,985 0 Tangible assets, net 11,76,33,557 8,92,34,736 Intangible assets, net [abstract] Computer software, net 7,94,64,042 7,74,93,824 Patents trademarks design, net 1,66,404 0 Intangible assets, net 7,96,30,446 7,74,93,824 Net block 19,72,64,003 16,67,28,560Additions to gross block during period [abstract] Additions to tangible assets, gross during period [abstract] Additions to equipments, gross during period [abstract] Additions to office equipments, gross during period 44,24,512 Additions to computer equipments, gross during period 3,33,02,415 Additions to other equipments, gross during period 2,37,346 Additions to equipments, gross during period 3,79,64,273 Additions to furniture fixtures, gross during period 17,75,066 Additions to vehicles, gross during period [abstract] Additions to motor vehicles, gross during period 26,69,006 Additions to vehicles, gross during period 26,69,006 Additions to leasehold properties, gross during period [abstract] Additions to leasehold improvements, gross during period 1,61,99,773 Additions to leasehold properties, gross during period 1,61,99,773 Additions to tangible assets, gross during period 5,86,08,118 Additions to intangible assets, gross during period [abstract] Additions to computer software, gross during period 2,33,22,597 Additions to patents trademarks design, gross during period 1,76,000 Additions to intangible assets, gross during period 2,34,98,597 Additions to, gross block during period 8,21,06,715Deductions in gross block during period [abstract] Deductions in tangible assets, gross during period [abstract] Deductions in equipments, gross during period [abstract] Deductions in office equipments, gross during period 19,22,649 Deductions in computer equipments, gross during period 6,54,333 Deductions in other equipments, gross during period 0 Deductions in equipments, gross during period 25,76,982 Deductions in furniture fixtures, gross during period 0 Deductions in vehicles, gross during period [abstract] Deductions in motor vehicles, gross during period 19,23,456 Deductions in vehicles, gross during period 19,23,456 Deductions in leasehold properties, gross during period [abstract] Deductions in leasehold improvements, gross during period 0 Deductions in leasehold properties, gross during period 0 Deductions in tangible assets, gross during period 45,00,438 Deductions in intangible assets, gross during period [abstract] Deductions in computer software, gross during period 0 Deductions in patents trademarks design, gross during period 0 Deductions in intangible assets, gross during period 0 Deductions in, gross block during period 45,00,438Depreciation amortisation during period [abstract] Depreciation tangible assets during period [abstract] Depreciation equipments during period [abstract] Depreciation office equipments during period 36,36,304 Depreciation computer equipments during period 2,06,24,381 Depreciation other equipments during period 70,397 Depreciation equipments during period 2,43,31,082 Depreciation furniture fixtures during period 14,61,248 Depreciation vehicles during period [abstract]

18


Depreciation motor vehicles during period 14,19,198 Depreciation vehicles during period 14,19,198 Depreciation leasehold properties during period [abstract] Depreciation leasehold improvements during period 11,46,788 Depreciation leasehold properties during period 11,46,788 Depreciation tangible assets during period 2,83,58,316 Amortisation intangible assets during period [abstract] Amortisation computer software during period 2,13,52,380 Amortisation patents trademarks design during period 9,596 Amortisation intangible assets during period 2,13,61,976 Depreciation amortisation during period 4,97,20,292Deductions in depreciation amortisation during period [abstract] Deductions in depreciation tangible assets during period [abstract] Deductions in depreciation equipments during period [abstract] Deductions in depreciation office equipments during period 6,03,625 Deductions in depreciation computer equipments during period 4,21,245 Deductions in depreciation other equipments during period 0 Deductions in depreciation equipments during period 10,24,870 Deductions in depreciation furniture fixtures during period 0 Deductions in depreciation vehicles during period [abstract] Deductions in depreciation motor vehicles during period 16,24,587 Deductions in depreciation vehicles during period 16,24,587 Deductions in depreciation leasehold properties during period [abstract] Deductions in depreciation leasehold improvements during period 0 Deductions in depreciation leasehold properties during period 0 Deductions in depreciation tangible assets during period 26,49,457 Deductions in amortisation intangible assets during period [abstract] Deductions in amortisation computer software during period 0 Deductions in amortisation patents trademarks design during period 0 Deductions in amortisation intangible assets during period 0 Deductions in depreciation amortisation during period 26,49,457Other adjustments to depreciation amortisation during period [abstract] Other adjustments to depreciation tangible assets during period [abstract] Other adjustments to depreciation equipments during period [abstract] Other adjustments to depreciation office equipments during period 0 Other adjustments to depreciation computer equipments during period 0 Other adjustments to depreciation other equipments during period 0 Other adjustments to depreciation equipments during period 0 Other adjustments to depreciation furniture fixtures during period 0 Other adjustments to depreciation vehicles during period [abstract] Other adjustments to depreciation motor vehicles during period 0 Other adjustments to depreciation vehicles during period 0 Other adjustments to depreciation leasehold properties during period [abstract] Other adjustments to depreciation leasehold improvements during period 0 Other adjustments to depreciation leasehold properties during period 0 Other adjustments to depreciation tangible assets during period 0 Other adjustments to amortisation intangible assets during period [abstract] Other adjustments to amortisation computer software during period -1 Other adjustments to amortisation intangible assets during period -1 Other adjustments to depreciation amortisation during period -1

19


[100700] Schedule - Investments


31/03/2011 31/03/2010Investments, net [abstract] Current and long-term investments [abstract] Long-term investments [abstract] Government securities local authorities long-term [abstract] Government securities local authorities long-term quoted [abstract] Government securities local authorities long-term quoted trade 0 0 Government securities local authorities long-term quoted non-trade 0 0 Government securities local authorities long-term quoted 0 0 Government securities local authorities long-term 0 0 Debt securities long-term [abstract] Debt securities long-term quoted [abstract] Debt securities long-term quoted trade 0 0 Debt securities long-term quoted non-trade 0 0 Debt securities long-term quoted 0 0 Debt securities long-term unquoted [abstract] Debt securities long-term unquoted trade 0 0 Debt securities long-term unquoted non-trade 0 0 Debt securities long-term unquoted 0 0 Debt securities long-term 0 0 Equity securities long-term [abstract] Equity securities long-term quoted [abstract] Equity securities long-term quoted trade 0 0 Equity securities long-term quoted non-trade 0 0 Equity securities long-term quoted 0 0 Equity securities long-term unquoted [abstract] Equity securities long-term unquoted trade 0 0 Equity securities long-term unquoted non-trade 0 0 Equity securities long-term unquoted 0 0 Equity securities long-term 0 0 Preference securities long-term [abstract] Preference securities long-term quoted [abstract] Preference securities long-term quoted trade 0 0 Preference securities long-term quoted non-trade 0 0 Preference securities long-term quoted 0 0 Preference securities long-term unquoted [abstract] Preference securities long-term unquoted trade 0 0 Preference securities long-term unquoted non-trade 0 0 Preference securities long-term unquoted 0 0 Preference securities long-term 0 0 Mutual funds long-term [abstract] Mutual funds long-term trade 0 0 Mutual funds long-term non-trade 0 0 Mutual funds long-term 0 0 Long-term investments 0 0 Current investments [abstract] Government securities local authorities current [abstract] Government securities local authorities current quoted [abstract] Government securities local authorities current quoted trade 0 0 Government securities local authorities current quoted non-trade 0 0 Government securities local authorities current quoted 0 0 Government securities local authorities current unquoted [abstract] Government securities local authorities current unquoted trade 0 0 Government securities local authorities current unquoted non-trade 0 0

20


Government securities local authorities current unquoted 0 0 Government securities local authorities current 0 0 Current investments 0 0 Current and long-term investments 0 0 Investment property 0 0 Investment associates 0 0 Investment joint ventures 0 0 Investment subsidiaries 0 0 Investments in capital partnership firms 0 0 Unutilised money investments 0 0 Share investments joint ventures 0 0 Provision long-term investments 0 0 Provision current investments 0 0 Investments, net 0 0

[100800] Schedule - Sundry debtors


31/03/2011 31/03/2010Sundry debtors [abstract] Sundry debtors, gross [abstract] Debtors exceeding six months [abstract] Debtors considered good exceeding six months unsecured 2,88,996 0 Debtors considered doubtful exceeding six months unsecured 0 2,90,368 Debtors exceeding six months 2,88,996 2,90,368 Debtors within six months [abstract] Debtors considered good within six months unsecured 9,59,45,275 8,62,66,814 Debtors within six months 9,59,45,275 8,62,66,814 Sundry debtors, gross 9,62,34,271 8,65,57,182 Provision doubtful debts 0 2,90,368 Sundry debtors 9,62,34,271 8,62,66,814

[100900] Schedule - Cash and bank balances


31/03/2011 31/03/2010Cash bank balance [abstract] Cash balance hand [abstract] Cash hand 2,012 10,935 Cheques hand 14,21,276 0 Cash balance hand 14,23,288 10,935 Bank balances [abstract] Balance scheduled banks [abstract] Balance scheduled banks current account 4,09,28,327 1,37,46,405 Balance scheduled banks deposit account 64,06,00,100 50,87,00,100 Balance scheduled banks 68,15,28,427 52,24,46,505 Bank balances 68,15,28,427 52,24,46,505 Cash bank balance 68,29,51,715 52,24,57,440

21


[101000] Schedule - Inventories


31/03/2011 31/03/2010Inventories [abstract] Inventories raw materials 0 0 Inventories stores spares 0 0 Inventories 0 0

[101100] Schedule - Other current assets


31/03/2011 31/03/2010Other current assets [abstract] Interest income accrued but not due 3,20,95,419 1,65,32,428 Other current assets 3,20,95,419 1,65,32,428

[101200] Schedule - Loans and advances


31/03/2011 31/03/2010Loans advances [abstract] Advance tax paid [abstract] Advance income tax paid 3,87,84,001 3,05,98,568 Advance wealth tax paid 11,403 14,430 Advance tax paid 3,87,95,404 3,06,12,998 Deposit assets [abstract] Other deposit assets 7,33,33,132 1,35,34,525 Deposit assets 7,33,33,132 1,35,34,525 Other loans advances 2,80,66,336 2,28,61,468 Loans advances 14,01,94,872 6,70,08,991

[101300] Schedule - Current liabilities


31/03/2011 31/03/2010Current liabilities [abstract] Sundry creditors [abstract] Creditors due small micro enterprises 1,73,474 10,80,317 Creditors due others 7,04,29,746 5,35,80,714 Sundry creditors 7,06,03,220 5,46,61,031 Customer other advances [abstract] Advance received against customers 2,42,01,287 7,03,968 Customer other advances 2,42,01,287 7,03,968 Deposit liabilities [abstract] Public deposit payable current 0 0 Deposit liabilities 0 0 Other current liabilities 3,32,03,482 2,32,98,761 Current liabilities 12,80,07,989 7,86,63,760

22


[101400] Schedule - Provisions


31/03/2011 31/03/2010Provisions [abstract] Provisions dividend and dividend tax [abstract] Provisions dividend [abstract] Provision dividend equity shares 2,50,00,000 0 Provisions dividend 2,50,00,000 0 Provision dividend distribution tax [abstract] Provision dividend distribution tax equity shares 40,55,625 0 Provision dividend distribution tax 40,55,625 0 Provisions dividend and dividend tax 2,90,55,625 0 Provision employees related liabilities [abstract] Provision other employee related liabilities 3,06,02,654 1,65,94,963 Provision employees related liabilities 3,06,02,654 1,65,94,963 Tax provision [abstract] Current tax provision 1,61,02,009 0 Tax provision 1,61,02,009 0 Provisions 7,57,60,288 1,65,94,963

[101500] Schedule - Miscellaneous Expenditure Not Written Off


31/03/2011 31/03/2010Miscellaneous expenditure not written off [abstract] Preliminary expenditure not written off 0 0 Discount issue shares debentures not written off [abstract] Discount issue shares not written off 0 0 Discount issue debentures not written off 0 0 Discount issue shares debentures not written off 0 0 Shares debentures issue expenses not written off [abstract] Shares issue expenses not written off 0 0 Debentures issue expenses not written off 0 0 Shares debentures issue expenses not written off 0 0 Financing charges not written off 0 0 Deferred revenue expenditure not written off 0 0 Development expenditure not written off 0 0 Technical knowhow fees not written off 0 0 Voluntary retirement scheme not written off 0 0 Other miscellaneous expenditure not written off 0 0 Miscellaneous expenditure not written off 0 0

23


[101600] Additional Details - Balance Sheet


01/04/2010 to

31/03/2011

01/04/2009

to 31/03/2010

Additional information relating tobalance sheet items Additional information regardingshare capital [abstract] Disclosures in respect of sharesissued Disclosures equity shares issued 25000000 Details preference shares issued 0 0 Disclosures redemptionpreference shares

0 0

Disclosures convertible warrantsissued

0 0

Disclosures conversionconvertible warrants

0 0

Disclosures stock compensation 0 0 Disclosures convertible debtsecurities issued

0 0

Disclosures conversion of debtsecurities

0 0

Other disclosures in respect ofshares

0 0

Details of shares bought back orredeemed during period

0 0

Number of equity shares boughtback during period

[shares] 0 [shares] 0

Amount of equity shares boughtback during period

0 0

Number of preference sharesredeemed during period

[shares] 0 [shares] 0

Amount of preference sharesredeemed during period

0 0

Details of share capital held byforeign companies

4997500 25000000

Percentage of share capital heldby foreign company

19.99% 10.00%

Value of share capital held byforeign company

4,99,75,000 2,50,00,000

Breakup of equity capital [abstract] Percentage of equity shares heldup by nationalised or other banks

60.00%

Percentage of equity shares heldup by foreign holdings

19.99%

Percentage of equity shares heldup by other body corporates

20.01%

Details of shareholders having morethan five percent shares

State Bank of India - 10%Housing Development Finance Corporation Ltd. -10%Trans Union International Inc. - 19.99%ICICI Bank Limited - 10%

Details of deposits [abstract] Deposits accepted or renewedduring period

0 0

Deposits matured and claimed butnot paid during period

0 0

Deposits matured and claimed butnot paid

0 0

24


Interest on deposits accrued and duebut not paid

0 0

Dividend per equity share [INR/shares] 1[INR/shares]

0 Unpaid dividend 0 0

25


[400100] Notes - Accounting policies and basis of presentation


01/04/2010 to

31/03/2011Disclosure of accounting policies and basis ofpresentation [text block] Disclosure of basis of presentation [textblock] Accounting conventions Textual information (16) [See below] Basis and presentation of financialstatements disclosure


Disclosure of significant accountingpolicies [text block] Income statement policies Revenue recognition policies Revenue recognition policyrendering of services


Revenue recognition policy interestincome

d) Interest and other dues are recognised on accrual basis.

Employee benefits policies Short-term benefit obligationspolicy


Employee stock compensation costpolicy


Termination retirement benefit planpolicies Defined contribution plan policies Provident fund pension fundpolicy

The Companys Contribution to recognised Provident Fund paid / payable during the yearis recognised in the Profit and Loss Account.

Defined benefit plan policies Leave entitlement encashmentpolicy

Liability for compensated absences in respect of Sick Leave and Privilege Leave which isof long term nature is actuarially determined based on the Project Unit Credit method

Gratuity fund other definedbenefit plan policy


Income tax policy

Current tax policy Current Tax is the amount of the tax payable on the taxable income for the year asdetermined in accordance with the provisions of the Income Tax Act, 1961

Deferred tax policy Textual information (22) [See below] Assets and liabilities related policies Fixed asset policies Tangible assets policy Measurement and valuation basisplant machinery equipment

Fixed Assets have been stated at purchase/acquisition cost inclusive of installation costless accumulated depreciation.

Measurement and valuation basiscomputers equipments


Measurement and valuation basisfurniture and fixtures


Measurement and valuation basisvehicles


Measurement and valuation basisleasehold improvements


Measurement and valuation basisother tangible assets


Intangible assets policies Recognition and measurement ofpatents trademarks other rights

Intangible assets are stated at cost less accumulated amortisation.

Recognition and measurementsoftware

Intangible assets are stated at cost less accumulated amortisation.

26


Capital work-in progress assets policy

Measurement and valuation basiscapital work in progress assets

Advances paid towards acquisition/ development of Assets that are not ready for theirintended use or not in use as on the Balance Sheet date are stated as Capital Work inprogress

Impairment of assets policies Textual information (23) [See below] Depreciation policy Method used for depreciation policy Textual information (24) [See below] Depreciation method plantmachinery equipment


Depreciation method computersequipments


Depreciation method furniturefixtures


Depreciation method vehicles Textual information (28) [See below] Depreciation method leaseholdimprovements

Leasehold Improvements are amortised over the period of the lease

Method for determining useful lifeand rate of depreciation Method for determining life andrate of depreciation plant machineryequipment


Method for determining life andrate of depreciation computers equipments


Method for determining life andrate of depreciation furniture fixtures


Method for determining life andrate of depreciation vehicles


Method for determining life andrate of depreciation leasehold improvements

Leasehold Improvements are amortised over the period of the lease

Amortisation method policy Amortisation method software Textual information (33) [See below] Amortisation method patentstrademarks and other rights

Trademark cost is amortised over 10 years

Investments relating policies Textual information (34) [See below] Other policies Contingent assets and liabilities policy Textual information (35) [See below] Foreign currency transactions policies Textual information (36) [See below] Government grants policy Textual information (37) [See below]


Accounting conventionsThe Company follows the accrual concept in the preparation of accounts. The Balance Sheet and the Profit and Loss Account of the Company areprepared in accordance with the provisions contained in Section 211 of the Companies Act, 1956, read with Schedule VI thereto.


Basis and presentation of financial statements disclosureThe preparation of the financial statements requires the Management to make estimates and assumptions considered in the reported amounts ofassets and liabilities (including contingent liabilities) as on the date of the financial statements and the reported income and expenses. TheManagement believes that the estimates used in preparation of the financial statements are prudent and reasonable. Future result could differ fromthe estimates and the differences between the actual results and the estimates are recognised in the periods in which the results are known /materilalise.


Revenue recognition policy rendering of servicesa) Initial Membership Fees are recognised on admission of members. b) Annual Membership Fees are recognised proportionately for the period ofsuch membership. c) Service Report Fees are recognised on rendering of services.

27



Short-term benefit obligations policyLiability in respect of Privilege Leave which is of short term nature and Leave Travel Allowance is provided based on the expected cost andperiod of service which entitles the employee to such benefits.


Employee stock compensation cost policyThe Company has a long term incentive plan for eligible employees whereby they are entitled for cash payment against appreciation in notionalvalue of share units (that is determined based on EPS and benchmarked multiple) over long term. Provision is made for any such appreciation atend of every year, till the grant is either exercised or lapsed, and the cost is fully charged to Profit & Loss Account as part of Staff Expenses.


Gratuity fund other defined benefit plan policyThe Companys liability towards gratuity is determined using the Projected Unit Credit method which considers each period of service as givingrise to an additional unit of benefit entitlement and measures each unit separately to build up the final obligation. Actuarial gains and losses basedon actuarial valuation done by an independent actuary carried out annually are recognised immediately in the Profit and Loss Account as incomeor expense. Obligation is measured at the present value of estimated future cash flows using a discounted rate that is determined by reference tomarket yields at the Balance Sheet date on Government bonds where the currency and terms of the Government bonds are consistent with thecurrency and estimated terms of the defined benefit obligation.


Deferred tax policyDeferred Tax is recognised on timing differences, being the differences between the taxable income and the accounting income that originate inone period and are capable of reversal in one or more subsequent periods. Deferred Tax Assets in respect of unabsorbed depreciation and carryforward of losses are recognised if there is virtual certainty that there will be sufficient future taxable income available to realise such losses.Other Deferred Tax Assets are recognised if there is reasonable certainty that there will be sufficient future taxable income to realise such assets.Deferred tax assets are reviewed at each balance sheet date for their realisabilty.


Impairment of assets policiesThe carrying values of assets / cash generating units at each Balance Sheet date are reviewed for impairment of assets. If any indication of suchimpairment exists, the recoverable amount of such assets is estimated and impairment is recognised, if the carrying amount of these assets exceedstheir recoverable amount. The recoverable amount is the greater of the net selling price and their value in use. Value in use is arrived at bydiscounting the future cash flows to their present value based on an appropriate discount factor. When there is indication that an impairment lossrecognised for an asset in prior accounting periods no longer exists or may have decreased such reversal of impairment loss is recognised.


Method used for depreciation policyThe Company adopts Straight Line Method of depreciation at the rates prescribed under Schedule XIV of the Companies Act, 1956 orManagements experience and estimate of useful life of assets, whichever is higher


Depreciation method plant machinery equipmentThe Company adopts Straight Line Method of depreciation at the rates prescribed under Schedule XIV of the Companies Act, 1956 orManagements experience and estimate of useful life of assets, whichever is higher

28



Depreciation method computers equipmentsThe Company adopts Straight Line Method of depreciation at the rates prescribed under Schedule XIV of the Companies Act, 1956 orManagements experience and estimate of useful life of assets, whichever is higher


Depreciation method furniture fixturesThe Company adopts Straight Line Method of depreciation at the rates prescribed under Schedule XIV of the Companies Act, 1956 orManagements experience and estimate of useful life of assets, whichever is higher


Depreciation method vehiclesThe Company adopts Straight Line Method of depreciation at the rates prescribed under Schedule XIV of the Companies Act, 1956 orManagements experience and estimate of useful life of assets, whichever is higher


Method for determining life and rate of depreciation plant machinery equipmentThe Company adopts Straight Line Method of depreciation at the rates prescribed under Schedule XIV of the Companies Act, 1956 orManagements experience and estimate of useful life of assets, whichever is higher - Current Depreciate Rate -16.67%, Mobile Phone -50%


Method for determining life and rate of depreciation computers equipmentsThe Company adopts Straight Line Method of depreciation at the rates prescribed under Schedule XIV of the Companies Act, 1956 orManagements experience and estimate of useful life of assets, whichever is higher - Current Depreciate Rate -16.67%


Method for determining life and rate of depreciation furniture fixturesThe Company adopts Straight Line Method of depreciation at the rates prescribed under Schedule XIV of the Companies Act, 1956 orManagements experience and estimate of useful life of assets, whichever is higher - Current Depreciate Rate -16.67%


Method for determining life and rate of depreciation vehiclesThe Company adopts Straight Line Method of depreciation at the rates prescribed under Schedule XIV of the Companies Act, 1956 orManagements experience and estimate of useful life of assets, whichever is higher - Current Depreciate Rate -25.00%


Amortisation method softwareIntangible assets are amortised on the Straight Line Basis over the useful life. System Softwares (including related Application Softwares) areamortised over the estimated useful life or six years whichever is lower.

29



Investments relating policiesLong term Investments are carried at cost less provision (if any) for diminution (other than temporary) in value of such investments.CurrentInvestments are carried at the lower of cost or fair value on an individual basis.


Contingent assets and liabilities policyA provision is recognised when the Company has a present legal or constructive obligation as a result of past events and it is probable that anoutflow of resources will be required to settle the obligation in respect of which a reliable estimate can be made. Provisions (excluding employeebenefits) are not discounted to their present value and are determined based on best estimate required to settle the obligation at the Balance Sheetdate. These are reviewed at each Balance Sheet date and adjusted to reflect the current best estimates. Contingent liabilities are disclosed in Notesto Accounts


Foreign currency transactions policiesForeign currency transactions are recorded at rates as on the date of the transaction. Exchange differences arising on foreign currency transactionssettled during the year are recognised in the Profit and Loss Account.All foreign currency denominated monetary assets and liabilities aretranslated at the exchange rates prevailing on the Balance Sheet date. The resultant exchange differences are recognised in the Profit and LossAccount.


Government grants policyGrants received and accrued are recognised as income over the periods necessary to match them with the costs for which they are intended tocompensate, based on the claims made as laid down in Accounting Standard Accounting for Government Grants (AS-12) notified by theCompanies (Accounting Standards) Rules, 2006.

[400200] Notes - Changes in Accounting Policies and estimates


01/04/2010 to

31/03/2011

01/04/2009

to 31/03/2010

Disclosure of changes in accounting policies and estimates [textblock] Details of changes in accounting estimates

Accounting estimate change nature Revision is estimated useful life of asset in the currentyear

Accounting estimate change amount 81,13,342 0

30


[400600] Notes - Government grants and subsidies


01/04/2010 to

31/03/2011Disclosure of government grants and subsidies [text block] Methods of presentation adopted financial statement Textual information (38) [See below]


Methods of presentation adopted financial statementGrants received and accrued are recognised as income over the periods necessary to match them with the costs for which they are intended tocompensate, based on the claims made as laid down in Accounting Standard Accounting for Government Grants (AS-12) notified by theCompanies (Accounting Standards) Rules, 2006.

[400800] Notes - Employee Benefits


01/04/2010 to

31/03/2011

01/04/2009 to

31/03/2010

Disclosure of employee benefits [text block]Textual information (39)[See below]

Textual information (40)[See below]

Details of present value defined benefit plan obligation Changes in present value defined benefit plan obligation Current service cost defined benefit plan obligation 8,34,892 6,18,840 Interest cost defined benefit plan obligation 2,89,940 1,55,385 Contributions paid defined benefit plan obligation 22,77,460 8,62,765 Actuarial gains losses defined benefit plan obligation 1,60,591 49,040 Foreign currency exchange increase decrease defined benefit planobligation

0 0

Benefits paid defined benefit plan obligation -3,23,376 0 Past service cost defined benefit plan obligation 0 7,90,799 Reconciliation of fair value of plan assets and of balances of reimbursementright recognized as asset Expected return defined benefit plan assets 1,57,761 1,09,340 Actuarial gain loss defined benefit plan assets 1,60,591 49,040 Contributions by employer defined benefit plan assets 22,77,460 8,62,765 Benefits paid defined benefit plan assets -3,23,376 0

31



Disclosure of employee benefits [text block]

In accordance with the Accounting Standard on Employee Benefits (AS -15) (Revised 2005) notified by the

Companies (Accounting Standards) Rules, 2006, the following disclosures are made:

Salaries and Allowances includes Rs. 6,746,196/- (Previous Year Rs. 1,280,191/-) towards provision made in

respect of accumulated Leave Encashment which is in the nature of Long Term Employee Benefits and has been

actuarially determined as per the AS 15 (Revised).

Contribution to Provident Fund of Rs. 4,242,096 (Previous Year Rs. 2,863,360/-) have been recognised in the

Profit and Loss Account.

The Company has a long term incentive plan for eligible employees whereby they are entitled for cash payment against

appreciation in notional value of share units (that is determined based on EPS and benchmarked multiple) over long term.

Provision of Rs 60,00,000/- is made, for such appreciation in value


Disclosure of employee benefits [text block]

In accordance with the Accounting Standard on Employee Benefits (AS 15) (Revised 2005) notified by the Companies (Accounting Standards)Rules, 2006, the following disclosures are made:

Salaries and Allowances include Rs. 1,280,091/- (Previous Year Rs.4,561,459/-) towards provision made in respect of accumulated LeaveEncashment which is in the nature of Long Term Employee Benefits and has been actuarially determined as per the AS 15 (Revised).

Contribution to Provident Fund of Rs.2,863,360/- (Previous Year 2,310,701/-) have been recognised in the Profit and Loss Account.

The details of the Company's Gratuity benefit plan for its employees are given below. Gratuity valuation is as certified by the actuary and reliedupon by the auditors.

32


[400900] Notes - Segment Reporting


01/04/2010 to

31/03/2011Disclosure of segment information [text block] Disclosure of entity's reportable segments [abstract] Factors used to identify entity’s reportable segments Textual information (41) [See below]


Factors used to identify entity’s reportable segmentsAs the Company has no activities other than that of providing Credit Information Reports primarily in India, there are no separatesegments interms of Accounting Standards on Segment Reporting (AS-17) notified under the Companies 2006 (AccountingStandards) Rules

[401000] Notes - Related Parties


01/04/2010 to

31/03/2011Disclosure of related parties [text block] Disclosure of related parties [abstract] Whether company is subsidiary company No

[401200] Notes - Earnings Per Share


01/04/2010 to

31/03/2011

01/04/2009 to

31/03/2010

Disclosure of earnings per share [text block]Textual information (42) [Seebelow]

Textual information (43) [Seebelow]

Net profit loss attributable to equity shareholders basic 21,49,18,895 19,94,91,955 Net profit for basic earnings per share 21,49,18,895 19,94,91,955 Details of number of shares used for basic earnings pershare

25000000 25000000

Net profit loss attributable to equity shareholders diluted 21,49,18,895 19,94,91,955 Net profit for current year for diluted earnings per share 21,49,18,895 19,94,91,955

33



Disclosure of earnings per share [text block]

Earnings Per Share :

In accordance with the Accounting Standard on "Earnings Per Share" (AS-20) notified by the Companies (Accounting

Standards) Rules, 2006, the Earnings Per Share has been computed as under:

Current Year Previous Year

(a) Profit for the year after tax (Rs) 214,918,895

(b) Weighted average number of 25,000,000

equity shares outstanding

(c) Earnings per share (Rs) 8.60

(a)/(b) {Basic and Diluted}


Disclosure of earnings per share [text block]

Earnings Per Share :

In accordance with the Accounting Standard on "Earnings Per Share" (AS-20) notified by the Companies (Accounting

Standards) Rules, 2006, the Earnings Per Share has been computed as under:

Current Year Previous Year

(a) Profit for the year after tax (Rs) 199,491,955

(b) Weighted average number of 25,000,000

equity shares outstanding

(c) Earnings per share (Rs) 7.98

(a)/(b) {Basic and Diluted}

34


[401300] Notes - Subsidiary Information


01/04/2010 to

31/03/2011Disclosure of subsidiary information [text block] Whether company has subsidiary companies No

[401400] Notes - Deferred Tax Assets and Liabilities


01/04/2010 to

31/03/201131/03/2010

Disclosures of deferred tax assets and liabilities [text block] Textual information (44) [See below] Deferred tax asset [abstract] Deferred tax asset employee benefits 85,66,000 50,04,000 Deferred tax asset expenditure disallowances 0 0 Deferred tax asset fixed assets 0 0 Deferred tax asset non-current 0 0 Deferred tax asset other 0 0 Deferred tax asset provision doubtful debts 0 96,000 Deferred tax asset sundry debtors 0 0 Deferred tax asset unabsorbed depreciation 0 0 Deferred tax asset unrealised carried forward losses 0 0 Deferred tax asset VRS payment 0 0 Deferred tax asset 85,66,000 51,00,000 Deferred tax liability [abstract] Deferred tax liability depreciation 3,01,61,000 2,66,70,000 Deferred tax liability export incentives 0 0 Deferred tax liability investments 0 0 Deferred tax liability non-current 0 0 Deferred tax liability other 0 0 Deferred tax liability provision doubtful debts 0 0 Deferred tax liability provision employee benefits 0 0 Deferred tax liability provision expenses 0 0 Deferred tax liability technical knowhow fees 0 0 Deferred tax liability 3,01,61,000 2,66,70,000

35



Disclosures of deferred tax assets and liabilities [text block]

In compliance with the Accounting Standard relating to 'Accounting for Taxes on Income’ (AS - 22), notified by the Companies

(Accounting Standards) Rules, 2006, the Company has charged Rs 25,000/- (Previous Year's charge of Rs.4,370,000/-) to the Profit

and Loss Account towards deferred tax liability (net) , arising on account of timing differences

The major components of Deferred Tax Asset and Deferred Tax Liability are as under :

Particulars Current Year Previous Year Current Year Previous Year

Rupees Rupees Rupees Rupees

Depreciation - - 30,161,258 26,670,557

Provision for Doubtful debts 96,453 - -

Prov. for Employee Benefits 8 ,565,836 5,004,104 - -

TOTAL 8,565,836 5,100,557 30,161,258 26,670,557

Net Deferred Tax Liability 21,595,000 21,570,000

[401410] Notes - Net Deferred Tax Assets


31/03/2011 31/03/2010Net deferred tax assets [abstract] Deferred tax asset 85,66,000 51,00,000 Deferred tax liability 3,01,61,000 2,66,70,000

[401420] Notes - Net Deferred Tax Liabilities


31/03/2011 31/03/2010Net deferred tax liabilities [abstract] Deferred tax liability 3,01,61,000 2,66,70,000 Deferred tax asset 85,66,000 51,00,000 Net deferred tax liability 2,15,95,000 2,15,70,000

36


[402000] Notes - Provisions and Contingencies


01/04/2010 to

31/03/2011Disclosure of contingent liabilities and provisions [text block] Disclosure of contingent liabilities [text block] Details of disputed tax liabilities relating to sales service and income Details of disputed service tax demands Textual information (45) [See below] Reason for non- disclosure of all information of contingent liability Textual information (46) [See below]


Details of disputed service tax demandsRs 1,777,200/- (Previous Year - Rs 1,229,647/- ) represents the demand from the Service Tax Department disputed by theCompany.Representation has been made to the Service Tax Department in this respect.


Reason for non- disclosure of all information of contingent liabilityLegal cases filed against the Company are primarily claims made against the reporting Member Banks/ Financial Institutions.The amount ofliability that may arise due to such claims is not quantifiable and the incidence of claim is remote.

[402200] Notes - Due to micro, medium and small enterprises


01/04/2010 to

31/03/2011Disclosure of amount due to micro medium and small enterprises [text block] Textual information (47) [See below]


Disclosure of amount due to micro medium and small enterprises [text block]

Sundry Creditors includes Rs.173,474 (Previous Year Rs. 1,080,317/-) payable to “Suppliers” who have

confirmed that they are registered under the Micro, Small and Medium Enterprises Development Act, 2006. No

interest has been paid / payable by the Company during the year to these “Suppliers” .

CREDIT INFORMATION BUREAU (INDIA) LIMITEDStandalone Profit and Loss Statement for period 01/04/2010 to 31/03/2011

[610000] General information about financial statements


01/04/2010 to

31/03/2011

01/04/2009

to 31/03/2010

Disclosure of general information aboutcompany [abstract] Disclosure of company information[abstract] Name of company CREDIT INFORMATION BUREAU (INDIA) LIMITED Corporate identity number U72300MH2000PLC128359 Permanent account number of entity AABCC8003B

Address of registered office of companyHoechst House 6th Floor 193, Backbay Reclamation, Nariman Point,Mumbai 400021, Maharashtra, India

Type of industry Commercial and Industrial Disclosure of document information[abstract] Date of board meeting when finalaccounts were approved

24/06/2011

Period covered by financial statements Financial Year Date of start of reporting period 01/04/2010 01/04/2009 Date of end of reporting period 31/03/2011 31/03/2010 Nature of report standalone consolidated Standalone Content of report Profit and Loss Statement Description of presentation currency INR Level of rounding used in financialstatements

Actual

Type of profit and loss statement Main Disclosure of other general information[abstract] Date from which register of membersremained closed

04/08/2011

Date till which register of membersremained closed

04/08/2011

01/04/2010 to 31/03/2011Details principal products and services


ITC number of product NA Description of product or services Credit Information Report Unit of measurement of principal product or services per report Turnover of principal product or services 73,52,49,780 Quantity of principal product or services (in UoM) [pure] 7,52,03,273

2

CREDIT INFORMATION BUREAU (INDIA) LIMITED Standalone Profit and Loss Statement for period 01/04/2010 to 31/03/2011

[200000] Income Statement [Main]


01/04/2010 to

31/03/2011

01/04/2009 to

31/03/2010Income statement - main [abstract] Total income [abstract] Operating revenue, net 73,83,88,147 57,16,08,232 Other income 6,82,17,651 6,43,61,479 Total income 80,66,05,798 63,59,69,711 Total expenditure [abstract] Consumption materials changes inventories 0 0 Manufacturing other operating expenses [abstract] Manufacturing service costs 9,93,76,228 7,36,13,795 Employee related expenses 12,20,43,016 7,25,72,843 Administrative selling other expenses 21,04,60,837 14,62,80,289 Manufacturing other operating expenses 43,18,80,081 29,24,66,927 Depreciation amortisation impairment 4,97,20,292 5,07,48,139 Interest financial charges 12,19,450 2,690 Total expenditure 48,28,19,823 34,32,17,756 Net profit loss continuing operations 32,37,85,975 29,27,51,955 Net profit (loss) before tax, prior period and extraordinary items 32,37,85,975 29,27,51,955 Net profit loss before tax 32,37,85,975 29,27,51,955 Provision taxation 10,88,67,080 9,32,60,000 Net profit loss before minority interest share joint venture 21,49,18,895 19,94,91,955 Net profit loss 21,49,18,895 19,94,91,955 Amount available appropriations 21,49,18,895 19,94,91,955 Appropriations 2,90,55,625 0 Profit (Loss) Carried to Balance Sheet 18,58,63,270 19,94,91,955 Basic earnings per share [abstract] Basic earnings per share before extraordinary items [INR/shares] 8.6 [INR/shares] 7.98 Extraordinary adjustment basic earnings per share [INR/shares] 0 [INR/shares] 0 Basic earnings per share [INR/shares] 8.6 [INR/shares] 7.98 Diluted earnings per share [abstract] Diluted earnings per share before extraordinary items [INR/shares] 8.6 [INR/shares] 7.98 Extraordinary adjustment diluted earnings per share [INR/shares] 0 [INR/shares] 0 Diluted earnings per share [INR/shares] 8.6 [INR/shares] 7.98 Average number shares for earnings per share [abstract] Average number shares for basic earnings per share [shares] 2,50,00,000 [shares] 2,50,00,000 Average number shares for diluted earnings per share [shares] 2,50,00,000 [shares] 2,50,00,000

3


[200100] Schedule - Income


01/04/2010 to

31/03/2011

01/04/2009 to

31/03/2010Operating revenue, net [abstract] Operating revenue, gross [abstract] Revenue services, gross [abstract] Revenue membership subscriptions fees 2,76,70,409 1,98,52,663 Revenue other services 70,75,79,371 55,09,11,792 Revenue services, gross 73,52,49,780 57,07,64,455 Other operating revenues 31,38,367 8,43,777 Operating revenue, gross 73,83,88,147 57,16,08,232 Duties taxes collected [abstract] Service tax collected 0 0 Duties taxes collected 0 0 Operating revenue, net 73,83,88,147 57,16,08,232Other income [abstract] Receipt government grants subsidies 2,12,82,308 1,55,10,731 Receipt income investments [abstract] Receipt income current investments [abstract] Receipt interest current investments [abstract] Receipt interest current bank deposits 4,66,44,975 3,41,60,914 Receipt interest current investments 4,66,44,975 3,41,60,914 Receipt income current investments 4,66,44,975 3,41,60,914 Receipt income investments 4,66,44,975 3,41,60,914 Profit sale redemption investments [abstract] Profit sale redemption current investments 0 92,49,944 Profit sale redemption investments 0 92,49,944 Profit sale disposal fixed assets [abstract] Profit sale disposal tangible fixed assets 0 2,91,820 Profit sale disposal fixed assets 0 2,91,820 Excess provisions written back 2,90,368 51,48,070 Other income 6,82,17,651 6,43,61,479

4


[200200] Schedule - Expenditure


01/04/2010 to

31/03/2011

01/04/2009 to

31/03/201031/03/2009

Consumption materials changes inventories [abstract] Consumption raw other materials [abstract] Consumption raw materials [abstract] Purchase raw materials during year 0 0 Stock of Raw Materials, Closing Balance 0 0 0 Consumption raw materials 0 0 Consumption packing materials [abstract] Purchase packing materials during year 0 0 Stock of Packing Materials, Closing Balance 0 0 0 Consumption packing materials 0 0 Consumption stores spares [abstract] Purchase stores spares during year 0 0 Stock of Stores and Spares, Closing Balance 0 0 0 Consumption stores spares 0 0 Consumption other materials [abstract] Purchase other materials during year 0 0 Stock of Other Materials, Closing Balance 0 0 0 Consumption other materials 0 0 Capitalisation raw other materials 0 0 Consumption raw other materials 0 0 Cost traded goods [abstract] Purchase traded goods during year 0 0 Stock of Traded Goods, Closing Balance 0 0 0 Cost traded goods 0 0 Increase decrease inventories [abstract] Increase decrease finished goods [abstract] Purchase of finished goods during period 0 0 Stock of Finished Goods, Closing Balance 0 0 0 Increase decrease finished goods 0 0 Increase decrease work-in progress [abstract] Stock of Work-in-Progress, Closing Balance 0 0 0 Increase decrease work-in progress 0 0 Increase decrease other inventories [abstract] Stock of Other Inventories, Closing Balance 0 0 0 Increase decrease other inventories 0 0 Increase decrease inventories 0 0 Share materials stocks joint ventures 0 0 Consumption materials changes inventories 0 0Manufacturing service costs [abstract] Cost power fuel 0 0 Cost repairs maintenance [abstract] Cost repairs maintenance other assets 0 0 Cost repairs maintenance 0 0 Cost insurance 0 0 Cost royalty 9,93,76,228 7,36,13,795 Manufacturing service costs 9,93,76,228 7,36,13,795Employee related expenses [abstract] Employees remuneration benefits [abstract] Salary wages bonus 9,07,22,760 5,72,61,688 Leave encashment expenses 1,51,35,815 47,49,605 Retirement benefits [abstract]

5


Gratuity 20,92,719 8,58,090 Provident fund 42,42,096 28,63,360 Retirement benefits 63,34,815 37,21,450 Employees remuneration benefits 11,21,93,390 6,57,32,743 Staff welfare expenses 68,49,626 38,40,100 Other employee related expenses 30,00,000 30,00,000 Employee related expenses 12,20,43,016 7,25,72,843Administrative selling other expenses [abstract] Administrative general expenses [abstract] Electricity expenses 66,64,596 81,36,331 Telephone postage 55,00,911 21,32,299 Printing stationery 17,94,778 12,99,981 Information technology expenses 3,49,60,441 2,85,80,515 Travelling conveyance 76,84,772 62,41,970 Legal professional charges 5,54,83,134 2,67,43,547 Insurance expenses 3,99,923 2,47,065 Repairs maintenance expenses 2,15,44,335 1,65,08,055 Rent rates and taxes [abstract] Rent 5,78,02,100 4,88,79,000 Rates and taxes 18,22,015 12,94,255 Rent rates taxes 5,96,24,115 5,01,73,255 Auditors remuneration 8,84,731 7,74,084 Directors sitting fees 5,15,000 6,05,000 Managerial remuneration [abstract] Remuneration to directors [abstract] Salary to directors 0 0 Commission to directors 0 0 Other benefits directors 0 0 Remuneration to directors 0 0 Managerial remuneration 0 0 Donations subscriptions 56,100 0 Bank charges 3,07,265 59,499 Other administrative general expenses 42,24,751 42,92,863 Administrative general expenses 19,96,44,852 14,57,94,464 Selling distribution expenses [abstract] Advertising promotional expenses 0 10,000 Other selling distribution expenses 1,04,10,236 11,24,429 Selling distribution expenses 1,04,10,236 11,34,429 Net provisions charged [abstract] Provision bad doubtful debts advances created 7,42,514 0 Net provisions charged 7,42,514 0 Write-off assets liabilities [abstract] Bad debts advances written off 0 0 Write-off assets liabilities 0 0 Loss sale disposal fixed assets [abstract] Loss sale disposal tangible fixed assets 7,78,931 0 Loss sale disposal fixed assets 7,78,931 0 Other expenditure -11,15,696 -6,48,604 Administrative selling other expenses 21,04,60,837 14,62,80,289Depreciation amortisation impairment [abstract] Depreciation amortisation expenses [abstract] Depreciation tangible assets 2,83,58,316 1,89,06,175 Amortisation intangible assets 2,13,61,976 3,18,41,964 Depreciation amortisation expenses 4,97,20,292 5,07,48,139 Depreciation amortisation impairment 4,97,20,292 5,07,48,139Interest financial charges [abstract] Other interest charges 12,19,450 2,690 Interest financial charges 12,19,450 2,690Provision taxation [abstract] Provision current tax 10,91,00,000 8,88,90,000

6


Provision deferred tax 25,000 43,70,000 Provision tax earlier years -2,57,920 0 Provision taxation 10,88,67,080 9,32,60,000

[200300] Additional Details - Income Statement


01/04/2010 to

31/03/2011

01/04/2009 to

31/03/2010Additional information regarding income and expenses [abstract] Operating revenue, net [abstract] Operating revenue, gross [abstract] Revenue services, gross [abstract] Domestic revenue services 73,52,49,780 57,07,64,455 Revenue services, gross 73,52,49,780 57,07,64,455 Other operating revenues 31,38,367 8,43,777 Operating revenue, gross 73,83,88,147 57,16,08,232 Duties taxes collected [abstract] Service tax collected 0 0 Duties taxes collected 0 0 Operating revenue, net 73,83,88,147 57,16,08,232 Receipt income investments [abstract] Receipt income investments trade 4,66,44,975 3,41,60,914 Receipt income investments 4,66,44,975 3,41,60,914 Capitalisation expenses [abstract] Capitalisation raw other materials 0 0 Appropriations [abstract] Appropriations reserves [abstract] Appropriations general reserve 2,90,55,625 0 Appropriations reserves 2,90,55,625 0 Appropriations 2,90,55,625 0

[400500] Notes - Foreign Exchange Transactions


01/04/2010 to

31/03/2011

01/04/2009 to

31/03/2010Disclosure of foreign exchange transactions [text block] Details of foreign exchange transactions Earnings expenditure in foreign currency [abstract] Expenditure in foreign currency [abstract] Other expenditure in foreign currency 19,83,522 1,11,903 Expenditure in foreign currency 19,83,522 1,11,903 Earnings expenditure in foreign currency -19,83,522 -1,11,903

7


[402300] Notes - Directors Remuneration and Other Information

01/04/2010 to 31/03/2011Details of directors

Unless otherwise specified, all monetary values are in INR1 2 3

Name of director ARUN THUKRAL RENU SUD KARNAD R A J E S H H I R OMIRCHANDANI

Directoridentificationnumber of director

00974749 00008064 00910079

Date of birth ofdirector

26/08/1953 03/09/1952 09/06/1960

Designation ofdirector

MANAGING DIRECTOR DIRECTOR DIRECTOR

Qualification ofdirector

(1) Postgraduate from the University of Delhi (2)Diploma in Sales and Marketing from the Faculty ofManagement Studies, Delhi University

(1) Law graduate (2)Master'sdegree in Economics from theDelhi School of Economics

(1) Graduation in Economics,Madras Christian College (2)PGDM from IIM, Calcutta

Shares held bydirector

[shares] 0 [shares] 0 [shares] 0

Directorremuneration[abstract] Total salary todirector

89,80,831 0 0

Basic paydirector

35,13,600 0 0

Allowancesdirector

20,80,200 0 0

Perquisitesdirector

33,87,031 0 0

Commissiondirector

0 0 0

Sitting feesdirector

0 90,000 1,55,000

Stockcompensationdirector

21,52,138 0 0

Postretirement benefitsdirector

6,99,757 0 0

Othercompensationdirector

15,63,196 0 0

Directorremuneration

1,33,95,922 90,000 1,55,000

8


Details of directors


Name of director MURALI RAMAKRISHNANB H A M AKRISHNAMURTHY

TERESA S MCCAFFERTY

Directoridentificationnumber of director

01028298 02196839 02301006

Date of birth ofdirector

19/05/1962 19/12/1954 16/06/1955

Designation ofdirector

DIRECTORN O M I N E EDIRECTOR

Director

Qualification ofdirector

(1) B.Tech., (Chem. Engg.) (2) Post GraduateDiploma in Business Management withspecialisation in Finance & Marketing from IIM,Bangalore.

(1) M Sc fromMumbai University

(1) Bachelor of Science from the ClevelandState University, Ohio (2) Certification inapplied behavior analysis from theMidwestern Management Institute.

Shares held bydirector

[shares] 0 [shares] 0 [shares] 0

Directorremuneration[abstract] Total salary todirector

0 0 0

Basic paydirector

0 0 0

Allowancesdirector

0 0 0

Perquisitesdirector

0 0 0

Commissiondirector

0 0 0

Sitting feesdirector

60,000 40,000 90,000

Stockcompensationdirector

0 0 0

Postretirement benefitsdirector

0 0 0

Othercompensationdirector

0 0 0

Directorremuneration

60,000 40,000 90,000

9




Name of directorSWAMINATHANKOTHANDARAMAN

Anindo Mukherjee Bhaskar Niyogi

Director identificationnumber of director

02854265 00019375 03494944

Date of birth of director 28/01/1951 13/10/1967 20/08/1952 Designation of director Director Director Director

Qualification of director (1) B Tech (2) MBA (1) B Com (2) CA and(3) CWA

(1) Post graduate in Economics from PresidencyCollege, Kolkata

Shares held by director [shares] 0 [shares] 0 [shares] 0 Director remuneration[abstract] Total salary to director 0 0 0 Basic pay director 0 0 0 Allowances director 0 0 0 Perquisites director 0 0 0 Commission director 0 0 0 Sitting fees director 20,000 60,000 0 Stock compensationdirector

0 0 0

Post retirement benefitsdirector

0 0 0

Other compensationdirector

0 0 0

Director remuneration 20,000 60,000 0



Name of director SRIDHAR IYER SUBRAMANIAN Director identification number of director 02682546 Date of birth of director 12/12/1970 Designation of director Director Qualification of director (1) BE (2) MBA from Mumbai University Shares held by director [shares] 0 Director remuneration [abstract] Total salary to director 0 Basic pay director 0 Allowances director 0 Perquisites director 0 Commission director 0 Sitting fees director 0 Stock compensation director 0 Post retirement benefits director 0 Other compensation director 0 Director remuneration 0

10


[402400] Notes - Auditors Remuneration


01/04/2010 to

31/03/2011

01/04/2009 to

31/03/2010Auditors remuneration [abstract] Audit fees 7,80,000 6,50,000 Consultancy fees auditors [abstract] Tax consultancy fees 0 1,20,000 Other consultancy fees 1,00,000 0 Consultancy fees auditors 1,00,000 1,20,000 Reimbursement auditors expenses 4,731 4,084 Auditors remuneration 8,84,731 7,74,084

CREDIT INFORMATION BUREAU (INDIA) LIMITED

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