Company Overview Incorporated on 23 rd January

Company Overview • Incorporated on 23 rd January, 2004, HDFC Sales is 100% subsidiary of HDFC LTD. • The company mirrors the philosophy and values of its parent, HDFC – – – Learn by doing Emphasis on transparency, integrity and commitment High service standards Emphasis on training and technology Low administrative costs Empowering Line Managers • We offer financial management solutions to individuals and Corporates ranging from Mortgages, Realty to Wealth Management. • HDFC Sales is 100% subsidiary of HDFC LTD.

Management Team- HDFC Sales Mrs. Renu Sud Karnad Chairperson Mr. Gautam Bhagat- CEO Sales Support Mortgage- Mr. Rohan Charles HR- Mr. Rohit Joshi Mortgage- Mr. Abhishek Deora L & D- Mrs. Hemlata Handa Financial Services- Mr. Ullas Verma Admin- Mr. Mohit Mudur Realty- Mr. Vikram Goel Finance- Mr. Amit Verma

HDFC Sales - LOB HDFC Sales Mortgages Financial Services Realty

Mortgage q. HDFC Sales (Mortgage) is present in 137 locations across the country with 60 offices. It contribute 48% of home loan business of HDFC Ltd q. Consistent q. Received q. Strong growth in business @ 5% despite recession 61000 home loan applications against 60000 applications last year team of 1715 Mortgage professionals q. Disbursed loans amounting Rs. 6500 crores for the year 2009 - 2010 (till Dec 2009).

Housing Finance - Market Share HDFC Sales contributes 48% of home loan business of HDFC Ltd

Reporting Structure – Mortgage Option 1 Sales Manager Asst Sales Manager Credit Coordinator Team Leader Executives

Reporting Structure – Mortgage Option 2 Asst. Sales Manager Credit Co-Ordinators Team Leader Sales Team Manager Executives Group Leader

Financial Services q Financial Services offers services in more than 100 cities and is continuously expanding its reach Team of 305 Sales professionals across the spectrum of financial management enabling them to meet a range of financial needs q It offers wide range of products like Insurance, General Insurance, Mutual Funds, Fixed Deposit Receipts, Portfolio Management Services etc q

HDFC Realty q. HDFC Sales manages the HDFC Realty business which offers property solutions – buying, selling, leasing to Individuals and Corporates q. HDFC Realty is present in 17 cities across the country and in Dubai. q. Successfully q. Strong closed 847 deals (till Nov 09) against 722 deals last year team of 103 dedicated professionals and the number is still growing q. Business growth is consistent and plan to come up with more offices to cater international clients also.

Excitement, energy, and action @ HDFC Sales

Welcome to the family…. .