13:16 Jun 19, 2013  

Ansal Housing & Construction Ltd

HSL Code: ANSHOU   |   BSE Code: 507828  |   NSE Symbol: ANSALHSG  |   ISIN: INE880B01015
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ANSAL HOUSING AND CONSTRUCTION LIMITED

ANNUAL REPORT 2011-2012

DIRECTOR`S REPORT

Dear Shareholder,

The Directors of your Company have pleasure in presenting their 28th Annual 
Report  together with the Audited Statement of Accounts of the Company  for 
the Financial Year ended 31st March, 2012.

Financial Performance

Your Company`s performance on standalone basis during the year as  compared 
with that during the previous year is summarised:

                                                    (Figures in  Rs. Lacs)
                                           2011-12                 2010-11

1. Sales & Other Income                  40,340.25               30,485.86

2. Gross Profit (Before Interest 
and Depreciation) etc.                    9,056.53                8,350.51 

Less:

- Interest & Finance Charges              3,574.78                3,764.86

- Depreciation                  355.69    3,930.47      264.39    4,029.25

3. Net Profit before Tax                  5,126.06                4,321.26 

Less: 

- Provision for Tax                       1,720.78                  981.15

4. Net Profit After Tax but 
before prior period items                  3405.28                 3340.11

Less: 

- Tax Provisions for 
earlier year                                 91.37                   22.96

- Prior Period Expenses                      38.43                   80.03

5. Net Profit after tax and 
prior period items                        3,275.48                3,237.12

Add:

Surplus Profit Brought 
forward for Previous 
Year                                     14,468.68               12,017.41

Balance available for 
appropriation                            17,744.16               15,254.53

6. Appropriations:

Proposed Dividend @ 10%         200.41                  154.97
(Previous Year @ 8%)

Dividend Tax thereon             32.51                   30.88

Transfer to General 
Reserve                         600.00                  600.00

Transfer to Capital 
Redemption Reserve               17.83                       -

Dividend/Dividend Tax 
for earlier Years                 3.55      854.30           -      785.85

7. Surplus Profit 
Carried over to 
Balance Sheet                            16,889.86               14,468.68

Performance Review

Global  economic uncertainties have affected India`s economy including  the 
Real  Estate  Sector.  Macro-economic indicators are  not  healthy.  Fiscal 
Deficit  and  interest rates are high and the rupee has  been  depreciating 
continuously.  All  this does not go well for any industry  especially  the 
Real Estate Sector. Real Estate Developers are reeling under high debt  and 
the situation is likely to continue in 2012.

Builders  and  Realtors face the problems with regard  to  availability  of 
land,  long  drawn  project approval  procedures  and  licensing,  abnormal 
Central  and State Taxes, high cost of credit and lack of  proactive  state 
policies.

The real estate sector has contributed only 5% of India`s Overall GDP  this 
year  as  compared to a contribution of 10.6% in Financial  Year  2010-2011 
with the lack of cheap credit and increased debts servicing levels and with 
the declining rate of foreign direct investment in the real estate sector.

The world economy is passing through a very difficult phase and is expected 
to grow by 3.5% in 2012.The advanced economies remain worrisome because  of 
sovereign  debt crisis in the Euro zone, focus on fiscal consolidation  and 
continued  bank  deleveraging. The key economies of developing  world  viz. 
China,  India,  Brazil  and Russia are expected to  record  lower  rate  of 
growth.

Standalone Financials

The  Financial  Statements of your Company for the year ended  31st  March, 
2012  have been prepared in accordance with the Revised Schedule  VI  which 
has  been made applicable by the Ministry of Corporate Affairs  w.e.f.  Ist 
April, 2011. The previous year`s figures have been reclassified / regrouped 
to confirm to this year classification.

Net  revenue  from Operations for the standalone entity increased  to   Rs. 
403.40  Crores from  Rs. 304.86 Crores in the previous year - a  growth  of 
32.32%.  The operating Pofit (EBITDA) increased by 8.46%, from   Rs.  83.50 
Crores  to  Rs. 90.56 Crores.The profit after tax for the current  year  is  
Rs. 32.75 Crores as against  Rs. 32.37 Crores - a growth of 1.17%.

Consolidated Financials

The  Consolidated  Net  Revenue from operations increased  to   Rs.  426.88 
Crores from  Rs. 348.54 Crores - growth of 22.48%.

Net  profit after minority interest for the group for the current  year  is  
Rs.  35.89  Crores as against  Rs. 29.17 Crores in the previous  year  -  a 
growth of 23.05%.

Business Review

During the period under review the net revenues increased by 32.32% to  Rs. 
403.40  crores and net profit before tax increased by 18.62% to  Rs.  51.26 
crores.  During  the period new Residential Projects  at  Gurgaon,  Meerut, 
Indore  and  Yamunanagar  were  launched. The  Company  also  launched  new 
commercial  projects  at Karnal and Yamunanagar. The company  is  currently 
developing  /  building various projects at Gurgaon, Agra,  Alwar,  Meerut, 
Indore,   Karnal,   Yamunanagar,   Jammu,   Zirakpur,   Jhansi,    Lucknow, 
Muzaffarnagar, Rewari, Shahpur, Ghaziabad and will soon be adding some more 
projects  at  new  locations.  The  Company  has  already  started   giving 
possession  of  ready units in Zirakpur, Indore, Agra,  Meerut,  Jammu  and 
Shahpur.  The Real Estate Industry will continue to remain backbone of  the 
economy  and easy flow of funds and moderation in interest rates will  help 
the sector grow further.

Transfer  to  Reserves The Company proposes to transfer a sum of   Rs.  600 
Lacs (Previous Year  Rs. 600 Lacs) to the General Reserve out of the amount 
available for appropriation. An amount of  Rs. 16889.86 lacs is proposed to 
be retained in Profit and Loss Account.

Buy-Back of Equity Shares

Your  Directors in their meeting held on 2nd December, 2011 had decided  to 
Buy-back  fully paid equity shares of  Rs. 10/- each of the company for  an 
amount not exceeding  Rs. 11,25,00,000/- (Rupees Eleven Crores Twenty  Five 
Lacs only) being within 10% of the paid-up capital and the free reserves as 
on  31st March, 2011 at a price not exceeding  Rs. 45/- (Forty  Five  only) 
per  equity share in accordance with the provisions of section 77A, 77AA  & 
77B  of the Companies Act, 1956 and in compliance with the  Securities  and 
Exchange  Board  of  India(Buy-back of  Securities)  Regulation  1998.  The 
Company  has bought back 1,78,272 equity shares upto 31st March, 2012 at  a 
total investment of  Rs. 75.80 lacs. The Company has extinguished  1,16,848 
equity  shares  of the company as on 31.03.2012 under  the  above  Buy-back 
Scheme.  Consequent to buy-back, the paid-up share capital of  the  Company 
has been reduced to  Rs. 20,25,39,960/- as on 31st March, 2012.

Dividend

Your Directors are pleased to recommend a dividend of  Rs. 1.00 per  Equity 
Share  (@10%)  on the paid up equity share capital of the Company  for  the 
financial  year  ended 31st March 2012. The total payout  of  the  proposed 
dividend is  Rs. 232.92 Lacs which includes Corporate Dividend Tax of   Rs. 
32.51 Lacs. The dividend will be paid to Members whose names appear in  the 
Register  of Members as on the record date for the purpose of dividend  for 
the  Financial Year 2011-2012. In respect of shares held in  dematerialized 
form, it will be paid to the members whose names are furnished by  National 
Security  Depository Ltd. and Central Depository Services (India)  Ltd.  on 
behalf of owners as on that date. A motion for confirmation of the dividend 
for the year is being placed before the shareholders at the ensuing  Annual 
General Meeting.

Unclaimed Dividend

Transfer of Amount to Investor Education and Protection Fund

Pursuant  to the provision of section 205A (5) of the Companies Act,  1956, 
the  relevant  amount  of  Rs. 4,36,943.50 (Rupees  Four  Lacs  Thirty  Six 
Thousand Nine Hundred Forty Three and paise Fifty only) against the interim 
dividend for the Financial Year 2004-2005 which remain unpaid or  unclaimed 
for  a  period of seven years have been transferred by the company  to  the 
Investor Education and Protection Fund on 16.05.2012. Shareholders are also 
requested  to  please send their stale / outdated final  dividend  warrants 
issued  by the company on 26th October, 2005 for the financial  year  2004-
2005 to the Company for issuing pay orders / demand drafts as the case  may 
be  to  the  Shareholders  from whom the  requisite  request  are  received 
otherwise  the  company  would have no other option but  to  transfer  this 
amount  also  to the Investor Education and Protection Fund  by  01.12.2012 
which  is  the last date for transfer of this amount. The letters  in  this 
respect  have  already  sent to the  respective  shareholders  whose  final 
dividend warrants are unpaid / unclaimed for the financial year 20042005 as 
per  record of the Company. No further correspondence would be  entertained 
after such unpaid\unclaimed dividend amount are transferred to the Investor 
Education Protection Fund. Once unclaimed dividend is transferred to  IEPF, 
no claim shall lie in respect thereof.

Service of documents through electronic mode

In  furtherance of the Green Initiative in Corporate  Governance  announced 
last  year by the Ministry of Corporate Affairs, the Company had  requested 
the  shareholders  to register their email addresses with the  Registrar  / 
Company  for receiving the Report and Accounts, Notices etc. in  electronic 
mode.  Shareholders who have not registered their email addresses are  once 
again  requested  to register the same with the Registrar  /  Company.  The 
email  request  with regard to form for such registration can  be  sent  to 
ansalhousinggogreen@ linkintime.co.in.

Management discussion and analysis report

Management`s  Discussion and Analysis Report for the year under review,  as 
stipulated  under  Clause  49  of the  Listing  Agreement  with  the  Stock 
Exchanges  in  India,  is presented hereunder forming part  of  the  Annual 
Report.

i) Segment-wise analysis

Revenue of the Company is generated from two segm ents nam el y Development 
of  Real Estate and Restaurants (Hospitality). The Hospitality Division  is 
performing  well with a turnover of approx. Rs. 10 Crores  with  reasonable 
profits in the Financial Year 2011-2012. Total 150 employees are engaged in 
the  Division.  The Division has the Brands mainly "Super Stars"  and  "The 
Great  Kabab Factory" which have been franchised from Radisson  Hospitality 
Worldwide.  The Division is spreading its wings by opening new  Restaurants 
named "Food Garh" and "Qzine Diner".

ii) Outlook

Inflation  and high interest rates have affected the real estate  industry. 
The  Government regulations are becoming strict. The lowering of home  loan 
interest  rates can boost the Housing Industry. The good performance of  IT 
Sectors  will  also  help the Housing Sector. The easing  of  ECBs  by  the 
Government  has not helped much the Housing Industry. It is  expected  that 
Housing  will  further  flourish in Tier-II & Tier -  III  cities  and  the 
liberal  flow of funds with moderation in rates of interest will  help  its 
progress further.

iii) Internal Control systems and their adequacy. Risk Management

The  roles and responsibilities of the various entities in relation to  the 
risk management ranging from strategic to operational levels is carried out 
by the designated entities. Their effective implementation and  independent 
monitoring  is  done by Internal Audit. The Audit Committee  of  the  Board 
reviews  the  Internal  Audit findings and provides  guidance  on  internal 
controls.  It ensures that Internal Audit recommendations  are  effectively 
implemented. The Senior Management periodically reviews the risk management 
so  as  to  address the emerging challenges from time to  time.  The  Audit 
Committee of your Board met four times during the Financial Year 2011-2012.

It  reviewed,  inter-alia the adequacy and effectiveness  of  the  Internal 
Control   Systems   and   monitored  implementation   of   Internal   Audit 
recommendations  and oversaw other financial disclosures. Your Company  has 
in place adequate internal control systems and procedures commensurate with 
the  size and nature of business. These procedures are designed  to  ensure 
that:

*  Effective & Adequate internal control environment is  maintained  across 
the Company.

* All assets and resources are acquired economically, used efficiently  and 
are adequately protected.

* Significant financial, managerial and operating information is  accurate, 
reliable and is provided timely; and

* All internal policies and statutory guidelines are complied with.

iv) Risks and Concerns

* Liquidity risk

The time required for liquidity of real estate property can vary  depending 
on the quality and location of the property.

* Regulatory risks

In  terms of property ownership, permission from the Reserve Bank of  India 
is required for foreign investors. For capital repatriation, investors need 
to  apply  for  approval from the RBI, and  foreign  direct  investment  is 
limited to a limited set of opportunities (e.g. townships).

* Macroeconomic risks

Interest rates, inflation and exchange rate risks are amongst the important 
macroeconomic indicators and have shown decreased volatility.

*  Owner  Ship & Land Title Issue Lack of information in  the  real  estate 
segment  in  India,  coupled  with the  age  old  property  related  issues 
discourages the investment of the large players in the semi urban and rural 
areas  thus  slacking an overall growth of the real estate  sector.  *  The 
sanctioning procedures and involvement of multiple agencies in  sanctioning 
would also cause damage to the growth of the Real Estate Industry.  Average 
time  taken to get clearance for a project is increasing bv  every  passing 
year thereby escalating costs for the Developers.

The  Company has broad based and strong in-house Legal Department  to  take 
care of Legal and Regulatory Risks. The requisite insurance covers are also 
taken  by the Company for covering the disasters etc. The  Audit  Committee 
and  the Board of Directors of the Company have been adopting adequate  and 
timely risk management measures to take care of the risks.

v) Conclusion

The  Indian real estate sector promises to be a lucrative  destination  for 
Indians  as well as foreign investors into the country. The  Indian  realty 
sector, if channelized properly, could catapult the growth of several other 
sectors in India through its backward and forward linkages. Maturity of the 
real  estate  markets  will  lead to infusion  of  foreign  investment  and 
adoption of international best practices by real estate players. Developers 
will get more organized, and become more transparent to avail opportunities 
emerging  in the market. With the Indian securities market  regulator  SEBI 
allowing  real estate mutual funds (REMFs) in India, equity investors  will 
have an exit option available to them. All these factors will contribute in 
making  the Indian real estate market more organized and  structured,  thus 
providing better investment opportunities.

Award of ISO 9001: 2008

Your Company continues to enjoy the privilege of certificates ISO 9001:2008 
Certification  granted  to  it  on 16th  April,  2005  through  well  known 
certification  agency  "DET  NORSKE  VERITAS".  It  will  be  the  constant 
endeavour  of the management to continuously stress on systems/quality  for 
ultimate delivery of its products.

Human Resources Development and Industrial Relations

The  Company achieved higher turnover and profitability in the  year  under 
review backed by a dedicated and talented team.

Mutual  trust and unity of purpose are the pillars on which  the  corporate 
edifice  is built and true to its philosophy, the Company is  committed  to 
maintain  harmonious relationship with its work force, it being the  active 
partner in its growth and development. The company conducts  consultations, 
dialogue,   deliberations,  negotiations  and  meetings  in   a   congenial 
environment and arrives at amicable solutions to issues that crop from time 
to time. As on March 31, 2012 the company had a workforce of 529  employees 
in addition to 156 employees of Hospitality division of the Company.

Particulars of Employees

In  accordance  with Section 217(2A) of the Companies Act, 1956  read  with 
Companies   (Particulars  of  Employees)  Rules,  2011,  a   Statement   of 
particulars of Employees) forming a part of this Report is annexed herewith 
under Annexure.

Change In Capital Structure

Issue and allotment of Equity Shares during the Financial Year 2011-2012

The Company had issued and allotted 12,00,000 convertible warrants on  30th 
October,  2010 at  Rs. 70/- per warrant to the promoters of the Company  on 
Preferential basis. Out of the aforesaid warrants, the company has allotted 
10,00,000 equity shares having face value of  Rs. 10/- each at a premium of  
Rs.  60/-  per  equity share on 8th August, 2011 to the  Promoters  of  the 
Company  on  conversion of equal number of warrants on receipt  of  balance 
amount payable on these warrants.

The Company has cancelled 2,00,000 outstanding convertible warrants on 11th 
January, 2012 out of 12,00,000 convertible warrants issued to the Promoters 
of  the  Company  on  30th October, 2010 @ Rs. 70/-  per  warrant  and  has 
intimated the same to BSE and NSE vide its letter no. SECY/S-16/2012  dated 
11th  January, 2012. The aforesaid was done as promoters had intimated  the 
company for non-subscription of outstanding warrants.

Conservation  of Energy, Technology Absorption, Foreign  Exchange  Earnings 
and outgo

Conservation of Energy, Technology Absorption

Your  Company  is  not  engaged in  any  manufacturing  activity;  as  such 
particulars relating to Conservation of Energy and Technology Absorption as 
per section 217(1)(e) are not applicable. However in hospitality  division, 
your  company  has  appointed  energy  auditor  and  has  implemented   the 
suggestions  given  by  energy auditor to save energy  bills.  The  regular 
energy  audit  is  carried out to identify the areas where  energy  can  be 
utilised in an optimal manner.

Foreign Exchange Earnings and Outgo

a) Activities Relating   }    As the company operates into Real Estate & 
to exports               }    Restaurants segment, the company is not 
                         }    involved in any activity relating to export.
b) Initiatives taken to  }
increase exports         }
                         }
c) Development of new    }
export markets for       }
products and services    }
                         }
d) Export plans          }
                         
Particulars of Foreign Exchange Earnings and Outgo

a) Foreign Exchange 
Earnings - through 
Credit Cards as per
bank certificates/advices     Rs. 95.85 Lacs

b) Foreign Exchange Outgo

- Value of Import 
calculated on CIF 
basis in respect of
Project Material.             Rs. 12.53 Lacs

- Travel Expenses             Rs. 39.25 Lacs

- Property Exhibition         Rs. 22.04 Lacs

Subsidiary Companies

The  following may be read in conjunction with the  Consolidated  Financial 
Statements  enclosed  with  the Accounts prepared in  accordance  with  the 
Accounting Standard 21.

As on date your Company has fourteen wholly owned Subsidiary Companies.  In 
terms  of  the General Circular No. 2/2011 dated 8th  February,  2011  read 
together with General Circular No. 3/2011 dated 21st February, 2011  issued 
by  the Government of India - Ministry of Corporate Affairs  under  Section 
212(8)  of the Companies Act, 1956 granting general exemption to  companies 
from attaching financial statements of subsidiaries, subject to  fulfilment 
of  conditions stated in the circular, copies of the Balance Sheet,  Profit 
and  Loss Account, Report of the Board of Directors and Auditors Report  of 
the  subsidiary  companies  for the year ended 31st  March,  2012  are  not 
attached  to  the  Balance Sheet of the Company as  the  Company  has/shall 
fulfil the following conditions:

(i)  The Board of Directors of the Company has vide resolution  dated  26th 
May, 2012 consented for not attaching the balance sheet(s) of the concerned 
subsidiary(ies);

(ii)  The  Company  has presented in its Annual  Report,  the  consolidated 
financial  statements of holding Company and all of its  subsidiaries  duly 
audited by its statutory auditors;

(iii)  The  Consolidated financial statement has been  prepared  in  strict 
compliance  with  applicable  Accounting Standards  and  where  applicable, 
Listing  Agreement  as prescribed by the Securities and Exchange  Board  of 
India;

(iv)  The  Company  has disclosed in the  consolidated  balance  sheet  the 
following   information   in  aggregate  for  each   subsidiary   including 
subsidiaries  of subsidiaries :- (a) Capital (b) reserves (c) total  assets 
(d)  total  liabilities  (e)  details of  investment  (except  in  case  of 
investment  in  subsidiaries) (f) turnover (g) profit before  taxation  (h) 
provision for taxation (i) profit after taxation (j) proposed dividend,  as 
applicable;

(v)  The  annual  accounts and other related detailed  information  of  the 
following  subsidiaries  shall  be made available to  shareholders  of  the 
holding  company and subsidiary companies seeking such information  at  any 
point of time;

1. M/s Housing & Construction Lanka Pvt. Ltd.

2. Geo Connect Ltd.

3. Maestro Promoters Pvt. Ltd.

4. Wrangler Builders Pvt. Ltd.

5. Anjuman Buildcon Pvt. Ltd.

6. Third Eye Media Pvt. Ltd.

7. A.R I nfrastructure Pvt. Ltd.

8. A. R Paradise Pvt. Ltd.

9. Fenny Real Estate Pvt. Ltd.

10. Aevee Iron & Steel Works Pvt. Ltd.

11. Sunrise Facility Management Pvt. Ltd.

12. Enchant Constructions Pvt. Ltd.

13. Sonu Buildwell Pvt. Ltd.

14. Rishu Buildtech Pvt. Ltd

vi) Further, the annual accounts of the subsidiary companies shall also  be 
kept  for  inspection by any shareholder at the head  office  /  registered 
office  of  the Company and of the subsidiary companies concerned  and  the 
Company  shall  furnish  a  hard  copy  of  the  details  of  accounts   of 
subsidiaries to any shareholder on demand;

vii)  The  holding  as  well as  subsidiary  companies  in  question  shall 
regularly  file  such  data  to  the  various  regulatory  and   Government 
authorities as may be required by them.

viii) The Company has given Indian rupee equivalent of the figure given  in 
the foreign currency appearing in the accounts of the subsidiary  companies 
alongwith the exchange rate as on closing day of the financial year;

As  a  measure of Corporate Governance, a Statement  pursuant  to  Sections 
212(3)  and  212(5) of the Companies Act, 1956 containing  the  details  of 
subsidiaries  of  the  Company, forms part of the Annual  Accounts  of  the 
Company.

Fixed Deposits

Fixed  Deposits  from  the Public, Shareholders and Employees  as  on  31st 
March, 2012 stood at  Rs. 9746.49 Lacs as against  Rs. 8768.98 lacs in  the 
previous year. There were unclaimed Deposits amounting to  Rs. 144.53  Lacs 
pertaining  to  280  depositors  as  on that date  and  out  of  above  113 
depositors having deposits aggregating to  Rs. 61.75 lacs have subsequently 
claimed  refund or renewed their deposits. However, the balance  amount  of  
Rs. 82.78 Lacs still remains unclaimed.

Corporate Governance

Your   Company  attaches  considerable  significance  to   good   Corporate 
Governance  as  an  important  step  towards  building  strong   investors` 
confidence,   improving  investor  protection  and   maximising   long-term 
shareholder value. Pursuant to clause 49 of the Listing Agreement with  the 
Stock  Exchanges,  a Compliance Report on Corporate  Governance,  from  the 
auditors on compliance of mandatory requirements have been annexed as  part 
of this Report.

In  order to comply with the provisions of newly inserted Clause  47(f)  in 
the  Listing  Agreement  with  the  Stock  Exchange(s),  the  Company   has 
designated  an  e-mail ID - sect@ansals.com which is  exclusively  for  the 
clarifications  /  queries / grievance redressal of the  investors  of  the 
Company.

Listing of Equity Shares

The  Securities  of  the  Company are listed and  traded  at  Bombay  Stock 
Exchange Limited (BSE) and National Stock Exchange of India Ltd. (NSE). The 
Company  has  paid  listing fee to Bombay Stock Exchange Ltd.  as  well  as 
National Stock Exchange of India Ltd. for the Financial Year 2012-13.

Directors

In  accordance  with the relevant provisions of Sections 255 & 256  of  the 
Companies  Act,  1956  and  Article  104  of  the  Company`s  Articles   of 
Association,  Shri S.L. Chopra and Shri Pradeep Anand are liable to  retire 
by  rotation  at the ensuing Annual General Meeting  and,  being  eligible, 
offer  themselves  for re-appointment. The brief resume and  other  details 
relating  to  directors,  who are to be re-appointed  as  stipulated  under 
Clause  49(IV)  of the Listing Agreement, are furnished  in  the  Corporate 
Governance Report forming part of the Annual Report. The Board of Directors 
of the Company at its meeting held on 8th August, 2012 has, subject to  the 
approval of Members, re-appointed Shri Deepak Ansal as Chairman &  Managing 
Director  for  a further period of 5 (five) years from the  expiry  of  his 
present term, which will expire on 31st March, 2013.

It  is  proposed to seek members` approval for the  re-appointment  of  and 
remuneration  payable to Shri Deepak Ansal as Chairman & Managing  Director 
in terms of the applicable provisions of the Companies Act, 1956.

Auditor`s Report

a) According to the information and explanations given to us and records of 
the  Company  examined  by us, in our opinion,  the  Company  is  generally 
regular  in  depositing with appropriate authorities  undisputed  statutory 
dues  relating to provident fund, investor education and  protection  fund, 
employees state insurance, income-tax, sales tax, wealth tax, service  tax, 
custom  duty,  excise  duty,  cess  and  other  statutory  dues,   wherever 
applicable. However, in some cases there were delays in deposit of  service 
tax  on construction services and sales tax during the year. No  undisputed 
amounts  payable in respect of these dues were outstanding at the year  end 
for a period of more than six months from the date they became payable.

b)  According  to  the  records  of the Company  examined  by  us  and  the 
information  and explanations given to us, in a few cases during  the  year 
there  have  been  delays in repayment of dues to banks  amounting  to  Rs. 
515.69 lacs ranging from 1 day to 22 days. The delays pertain to repayments 
due  upto  September  2011 which have been regularized by  the  Company  by 
October,  2011.  Except  for above, the Company has not  defaulted  in  the 
repayment of dues to banks and financial institutions covered by the  Order 
during the year.

Auditors

M/s  Khanna  &  Annadhanam,  Chartered  Accountants,  who  retire  at   the 
conclusion  of  this  28th Annual General Meeting and  being  eligible  for 
reappointment,  have  expressed  their willingness to  be  re-appointed  as 
Statutory  Auditors  of  the Company. They have given  certificate  to  the 
effect that the appointment, if made, would be within the limit  prescribed 
under section 224 (1B) of the Companies Act, 1956. Your directors recommend 
their appointment for another one year.

Directors` Responsibility Statement

Pursuant  to  Section 217 (2AA) of the Companies Act, 1956,  the  Directors 
confirm  the  following in respect of the Audited Annual Accounts  for  the 
Financial Year ended 31st March, 2012:

i)  that  in  the  preparation  of  the  annual  accounts,  the  applicable 
accounting standards have been followed with no material departures;

ii)  that the directors have selected such accounting policies and  applied 
them consistently and made judgements and estimates that are reasonable and 
prudent  so as to give a true and fair view of the state of affairs of  the 
Company for the Financial Year ended 31st March, 2012 and of the profit  of 
the Company for that period;

iii)  that  the  directors  had  taken  proper  and  sufficient  care   for 
maintenance of adequate accounting records in accordance with the provision 
of  the Act for safeguarding the assets of the Company and  for  preventing 
and detecting fraud and other irregularities; and

iv)  that  the  accounts  for the year ended 31st  March,  2012  have  been 
prepared on a going concern basis.

Appreciation

Directors wish to place on record their deep thanks and gratitude to;

a) The Central and State Government as well as their respective Departments 
and  Development  Authorities connected with the business of  the  Company, 

Bankers  of the Company, Housing Finance as well as other Institutions  for 
their co-operation and continued support.

b)  The Shareholders, Depositors, Suppliers and Contractors for  the  trust 
and confidence reposed and to the Customers for their valued patronage.

c)   The  Board  also  takes  this  opportunity  to  express  its   sincere 
appreciation  for the efforts put in by the officers and employees  at  all 
levels  in achieving the results and hopes that they would  continue  their 
sincere  and  dedicated  endeavour towards  attainment  of  better  working 
results during the current year.

Regd. Office :

15 UGF, Indra Prakash         For and on behalf of the Board of Directors
21, Barakhamba Road, 
New Delhi - 110 001

Place: New Delhi              (Deepak Ansal)
Dated: 08th August, 2012      Chairman and Managing Director
 
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