Dhani Finance

 💲Dhani finance Loan Quik fast Loan 

                     

                     

Available Personal  Home Loan Business Loan  car Loan credit card Loan  garantee. ₹250,00& up to ₹150,00,00💯💯. WhatsApp number 8961636742

Call ☎️ 8961636742 All India Loan Provide For Dhani finance  call me sir 8961636742 Loan provided by Dhani Finance pvt.LtdDraft Shelf Prospectus

January 21, 2019

INDIABULLS CONSUMER FINANCE LIMITED

Our Company was incorporated as ‘Malpani Securities Private Limited’, a private limited company under the provisions of the Companies Act, 1956, pursuant to a certificate of incorporation dated October 27, 1994 issued by the RoC. Subsequently, the name of our 

Company was changed to ‘Shivshakti Financial Services Private Limited’ pursuant to a fresh certificate of incorporation dated January 13, 2010. The name of our Company was changed to ‘IVL Finance Limited’ pursuant to a fresh certificate of incorporation dated 

October 19, 2016. Pursuant to a fresh certificate of incorporation dated September 18, 2018, the name of our Company was changed to ‘Indiabulls Consumer Finance Limited’. Our Company was incorporated under the Companies Act, 1956 on October 27, 1994 with 

the Registrar of Companies, National Capital Territory of Delhi and Haryana (“RoC”). The CIN of our Company is U74899DL1994PLC062407. Our Company is registered as a Non-Banking Financial Company under section 45-IA of the Reserve Bank of India Act, 

1934. For further details regarding changes to the name and registered office of our Company, please see “History and other Corporate Matters” on page 97.

Registered Office: M-62 & 63, First Floor, Connaught Place, New Delhi – 110 001, India. Telephone No.: +8961636742, Facsimile 

Corporate Office(s): Indiabulls House, Indiabulls Finance Centre, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400 013

Telephone No.: + 91 8961636742, Facsimile No.: +91 8961636742

Plot No. 249 D & E, Udyog Vihar, Phase IV, Tower A, Gurugram – 122 016, Telephone No.: + 91,8961636742 Facsimile No.: +8961636742

Website: www.indiabullsconsumerfinance.com, Email: helpdesk@indiabulls.com

Company Secretary and Compliance Officer: Mr. Manish Rustagi; Telephone No.: +;8961636742 Facsimile No.: + 91 8348914298; E-mail: mrustagi@indiabulls.com

PUBLIC ISSUE BY INDIABULLS CONSUMER FINANCE LIMITED, (“COMPANY” OR “ISSUER”) OF SECURED REDEEMABLE NON-CONVERTIBLE DEBENTURES OF FACE VALUE OF ` 1,000 EACH (“NCDs”)

AGGREGATING UP TO ` 30,000 MILLION (“SHELF LIMIT”) (“ISSUE”). THE NCDs WILL BE ISSUED IN ONE OR MORE TRANCHES UP TO THE SHELF LIMIT, ON TERMS AND CONDITIONS AS SET OUT IN THE 

RELEVANT TRANCHE PROSPECTUS FOR ANY TRANCHE ISSUE (EACH A “TRANCHE ISSUE”), WHICH SHOULD BE READ TOGETHER WITH THIS DRAFT SHELF PROSPECTUS AND THE SHELF PROSPECTUS 

(COLLECTIVELY THE “OFFER DOCUMENTS”). THE ISSUE IS BEING MADE PURSUANT TO THE PROVISIONS OF SECURITIES AND EXCHANGE BOARD OF INDIA (ISSUE AND LISTING OF DEBT SECURITIES) 

REGULATIONS, 2008 AS AMENDED (THE “SEBI DEBT REGULATIONS”), THE COMPANIES ACT, 2013 AND RULES MADE THEREUNDER AS AMENDED AND TO THE EXTENT NOTIFIED.

OUR PROMOTER

Our promoter is Indiabulls Ventures Limited. For further details refer to the section “Our Promoter” on page 121.

GENERAL RISKS

For taking an investment decision, investors must rely on their own examination of the Issuer and the Issue, including the risks involved, specific attention of the Investor is invited to “Risk Factors” and “Material Developments” on 

page 14 and 130 respectively of the Draft Shelf Prospectus, Shelf Prospectus and in the relevant Tranche Prospectus of any Tranche Issue before making any investment in such Tranche Issue. This Draft Shelf Prospectus has not been 

and will not be approved by any regulatory authority in India, including the Securities and Exchange Board of India (“SEBI”), the Reserve Bank of India (“RBI”), any registrar of companies or any stock exchange in India.

ISSUER’S ABSOLUTE RESPONSIBILITY

The Issuer, having made all reasonable inquiries, accepts responsibility for, and confirms that this Draft Shelf Prospectus read together with the Shelf Prospectus and relevant Tranche Prospectus for a Tranche Issue does contain and 

will contain all information with regard to the Issuer and relevant Tranche Issue which is material in the context of the Issue. The information contained in this Draft Shelf Prospectus read together with Shelf Prospectus and relevant 

Tranche Prospectus is true and correct in all material respects and is not misleading in any material respect, that the opinions and intentions expressed herein are honestly held and that there are no other facts, the omission of which 

makes this Draft Shelf Prospectus as a whole or any of part of such information or the expression of any such opinions or intentions misleading, in any material respect.

COUPON RATE, COUPON PAYMENT FREQUENCY, REDEMPTION DATE, REDEMPTION AMOUNT & ELIGIBLE INVESTORS

For the details relating to Coupon Rate, Coupon Payment Frequency, Redemption Date and Redemption Amount of the NCDs, please see “Terms of the Issue” on page 166. For details relating to Eligible Investors please see “Issue 

related information” on page 162.

CREDIT RATINGS

The NCDs proposed to be issued under this Issue have been rated CARE AA; Stable (pronounced as Double A; Outlook: Stable), for an amount of ` 30,000 million by CARE Ratings Limited vide their letter no. CARE/HO/RL/2018-

19/4260 dated December 28, 2018. Further, they have been rated BWR AA+ (pronounced as BWR Double A Plus) (Outlook: Stable), for an amount of ` 30,000 million by Brickwork Ratings India Private Limited vide their letter no.

BWR/NCD/HO/ERC/RB/0615/2018-19 dated January 4, 2019 and instruments with this rating are considered to have high degree of safety regarding timely servicing of financial obligations and carry very low credit risk. For the 

rating letter and rationale for these ratings, see Annexure A and B of this Draft Shelf Prospectus. These ratings are not a recommendation to buy, sell or hold securities and investors should take their own decision. These ratings are

subject to revision or withdrawal at any time by the assigning rating agencies and should be evaluated independently of any other ratings.

LISTING

The NCDs offered through this Draft Shelf Prospectus along with the Shelf Prospectus and relevant Tranche Prospectus are proposed to be listed on the BSE Limited (“BSE”) and the National Stock Exchange of India Limited 

(“NSE”, and along with BSE are referred to as “Stock Exchanges”). Our Company has received an ‘in-principle’ approval from the BSE vide its letter no. [●] dated [●] and NSE vide its letter no. [●] dated [●]. For the purposes of 

the Issue, BSE shall be the Designated Stock Exchange.

PUBLIC COMMENTS

This Draft Shelf Prospectus dated January 21, 2019 has been filed with BSE and NSE, pursuant to Regulation 6(2) of the SEBI Debt Regulations and is open for public comments for a period of seven Working Days (i.e., until 5 p.m.) 

from the date of filing of this Draft Shelf Prospectus with the Designated Stock Exchange. All comments on this Draft Shelf Prospectus are to be forwarded to the attention of the Compliance Officer of our Company. Comments may 

be sent through post, facsimile or e-mail.

LEAD MANAGERS TO THE ISSUE

EDELWEISS FINANCIAL SERVICES LIMITED

Edelweiss House, Off CST Road, Kalina, Mumbai -

400 098, Maharashtra, India

Telephone No.: +91 8961636742

Facsimile No.: +91 8961636742

Email: icfl.ncd@edelweissfin.com

Investor Grievance Email: 

customerservice.mb@edelweissfin.com

Website: www.edelweissfin.com

Contact Person: Mr. Lokesh Singhi / Mr. Mandeep 

Singh

SEBI Registration No.: INM0000010650

CIN: L99999MH1995PLC094641

A.K.CAPITAL SERVICES LIMITED

30-39, Free Press House 3rd Floor, 

Free Press Journal Marg 215,

Nariman Point, Mumbai 400 021

Telephone No.: +91 8348914298

Facsimile No.: +91 8344914298

Email: icflncd2019@akgroup.co.in

Investor Grievance Email: 

investor.grievance@akgroup.co.in

Website: www.akgroup.co.in

Contact Person: Ms.Shilpa Pandey/Mr. Krish 

Sanghvi

SEBI Registration No.: INM000010411

CIN: L74899MH1993PLC274881

AXIS BANK LIMITED

Axis House, 8th Floor, C-2, Wadia International 

Centre, P.B. Marg, Worli, Mumbai – 400 025, 

Maharashtra, India

Telephone No.: +91 8961636742

Facsimile No.: +91 8961636742

Email: icfl.2019@axisbank.com

Investor Grievance Email: 

investor.grievance@axisbank.com

Website: www.axisbank.com

Contact Person: Mr. Vikas Shinde

SEBI Registration No.: INM000006104

CIN:L65110GJ1993PLC020769

TRUST INVESTMENT

ADVISORS PRIVATE LIMITED

109/110, Balarama, Bandra Kurla Complex, 

Bandra (E) Mumbai – 400 051, Maharashtra, India

Telephone No.: +91 8961636742

Facsimile No.: +91 8961636742

Email: mbd.trust@trustgroup.in

Investor Grievance Email:

customercare@trustgroup.in

Website: www.trustgroup.in

Contact Person: Ms. Vikram Thirani

SEBI Registration No.: INM000011120

CIN: U67190MH2006PTC162464

DEBENTURE TRUSTEE** REGISTRAR TO THE ISSUE

IDBI TRUSTEESHIP SERVICES LIMITED

Asian Building, Ground Floor,

17, R. Kamani Marg, Ballard Estate,

Mumbai – 400 001

Telephone No.: +91 8961636742

Facsimile No.: +91 8961636742

Email: anjalee@idbitrustee.com

Investor Grievance Email: response@idbitrustee.com

Website: www.idbitrustee.com

Contact Person: Ms. Anjalee Athalye

SEBI Registration No.: IND000000460

CIN: U65991MH2001GOI131154

KARVY FINTECH PRIVATE LIMITED (FORMERLY KNOWN AS KCPL ADVISORY SERVICES 

PRIVATE LIMITED)***

Karvy Selenium Tower B, Plot No – 31 & 32,

Financial District, Nanakramguda, Serilingampally

Hyderabad Rangareddy, Telangana– 500 032

Telephone No.: +91 8961636742

Facsimile No.: +91 8961636742

Email: icfl.ncd1@karvy.com

Investor Grievance Email: einward.ris@karvy.com

Website: www.karvyfintech.com

Contact Person: Mr. M Murali Krishna

SEBI Registration. No.: INR000000221

CIN: U67200TG2017PTC117649

ISSUE PROGRAMME*

ISSUE OPENS ON: As specified in the relevant Tranche Prospectus ISSUE CLOSES ON: As specified in the relevant Tranche Prospectus

* The Issue shall remain open for subscription on Working Days from 10 a.m. to 5 p.m. during the period indicated in the relevant Tranche Prospectus, except that the Issue may close on such earlier date or extended date as may be decided by 

the Board of Directors of our Company or Bond Issue Committee thereof. In the event of an early closure or extension of the Issue, our Company shall ensure that notice of the same is provided to the prospective investors through an advertisement 

in a daily national newspaper with wide circulation on or before such earlier or extended date of Issue closure. Applications Forms for the Issue will be accepted only from 10:00 a.m. to 5:00 p.m. or such extended time as may be permitted by 

BSE and NSE, on Working Days, during the Issue Period. On the Issue Closing Date, the Application Forms will be accepted only between 10 a.m. and 3 p.m. (Indian Standard Time) and uploaded until 5 p.m. or such extended time as may be 

permitted by BSE and NSE.

**IDBI Trusteeship Services Limited under regulation 4(4) of SEBI Debt Regulations has by its letter dated January 16, 2019 has given its consent for its appointment as Debenture Trustee to the Issue and for its name to be included in Offer 

Document and in all the subsequent periodical communications sent to the holders of the Debentures issued pursuant to this Issue. For further details, please see Annexure C of this Draft Shelf Prospectus.

A copy of the Shelf Prospectus and relevant Tranche Prospectus shall be filed with the Registrar of Companies, National Capital Territory of Delhi and Haryana, in terms of section 26 and 31 of the Companies Act, 2013, applicable as on date of

the Shelf Prospectus along with the endorsed/certified copies of all requisite documents. For further details please see “Material Contracts and Documents for Inspection” beginning on page 207.

***The SEBI registration no. is currently under the name of Karvy Computershare Private Limited. Karvy Fintech Private Limited has filed an application with the SEBI for obtaining registration under its name, which is currently pending.