About Sahara
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Aman/Saroj
Apr 21, 2010, 5:16:41 AM4/21/10
to Sahara_India_Financial_Corporation, akjain...@yahoo.co.in, aman2...@gmail.com
Dear Sir,
I am Sharing with You about Some Sahara India Financial Corp.
Directors
Name Designation
Shri Subrata Roy Sahara Managing Worker & Chairman
Shri Om Prakash Srivastava Whole Time Director
Shri J. B. Roy Director
Shri H.N. Sinor
Former Chief Executive
Indian Banks’ Association Director
Shri A.K.D. Jadhav
I.A.S. (Retd), Former Secretary to Government of India
(Ministry of Mines)
Director
Shri T.N. Manoharan
FCA, Former President of Institute of Chartered Accountants of India
Director
Establishments
Heads of Zonal Offices Heads of Area Offices Heads of Regional
Offices
Heads of Zonal Offices
Place Name Address Tel. No. (Off./Res.)
Baroda Shri Satish Kr. Singh Sahara India Pariwar, 202, Niharika-II,
Opp. B.O.B., R.C. Dutt Road, Alkapuri, Baroda-390007 0265- 2331866 ,
Fax: 2338441
Hyderabad Shri Ghanshyam Singh Sahara Manzil, Opp. A.P. Secretariat,
Saifabad, Hyderabad-500063 040- 66663672,66661161
Patna Shri Prashant Kumar Sahara India Vihar, Boring Road
Chauraha,East Boring Canal Road, Patna-800001 0612- 2222357,2234300,
2234101
Gorakhpur Shri R.L. Patel IInd Floor, Rashtriya Sahara Complex, Park
Road, Gorakhpur-273009 0551- 2202362, 2204862, 2341342
Ranchi Shri N.K. Pal Sahara India Pariwar, Ist Floor, Anandmayee
Bhawan, 16, Purulia Road, Ranchi-834001 0651- 2211384
Muzaffarpur Shri Anil Kumar Srivastava Sahara India Pariwar, A.B.C.
Tower, Brahmpura, Muzaffarpur-842003 0621- 2264465, 2264466
Kolkata Shri Ajit Sharma Sahara India Pariwar, 46, Dr. Sundari Mohan
Avenue, Kolkata-700014 033- 22897828, 22897462
Varanasi Shri Bachcha Jha Sahara India Kashi Niketan, B-8/90-91Bara
Gambhir Singh, Sonarpura, Varanasi-221001 0542- 2275861, 2275897
Jaipur Shri L.K. Bannashi Sahara India Chambers, Lal Kothi Scheme,
Tonk Road, Jaipur-302015 0141- 2740003, 2742234
Bhopal Shri D.K. Tiwari Sahara India Kunj, 195, Zone - I, M.P. Nagar,
Bhopal-462011 0755- 4276897, 4271228, 4271012
Lucknow Shri Pushkar Verma Sahara Trade Centre, IIIrd Floor, Faizabad
Road, Indira Nagar, Lucknow-226016 0522- 2345206
Bhubaneswar Smt. Seema Das Sahara India Pariwar,
2nd Floor, Plot No. 4, Palasuni, Rasulgarh, Bhubaneswar, Khurda -
751007 0674- 2585242, 2588615
Heads of Area Offices
Place Name Address Tel. No. (Off./Res.)
Jodhpur Sahara India Pariwar, IInd Floor,
Rai Bahadur Bazaar, M.G.H. Road,
Jodhpur - 342001 0291-2620414
Kanpur Shri Vijay Kumar Verma Sahara India Pariwar, 117-N/98 Kakadeo,
Kanpur-208025 0512 -2502986,
FAX 2502982
Guwahati Shri Prashant Mandal Sahara India Pariwar, IIIrd Floor, Kusum
Mansion, Rajgarh Road, Bhangagarh,
Guwahati-781005 0361- 2528642,2456486
Maharashtra (Nagpur) Shri K.K. Dubey Sahara India Pariwar, 1 & 2
Block,
3rd Floor, J.B. Wing, Mangalwari Commercial Complex, Sadar,
Nagpur-440001 0712 -2596013,2596081
Delhi Shri N.B. Singh Sahara India Complex, C-2, C-3, C-4, Sector-11,
Noida, Gautam Budh Nagar - 201301 0120 -2598862,2440287, 2440243
Vijayawada Shri Sudhakar Misro Sahara India Pariwar, D
No. 33-5-33/2, Papaiah Street, Seetharampuram, Vijaywada, Krishna -
520004 0866-2444657
Heads of Regional Offices
Place Name Address Tel. No. (Off./Res.)
Hyderabad Mr. P. Srinivas Gupta 'Sahara Manzil', 2nd Floor,
Opp.A.P.Secretariat, Saifabad, Hyderabad Hyderabad Andhra Pradesh
500063 040 - 66663674
Hanamkonda Mr. D.Sudheer Dr. No. 7-7-336/2, 2nd Floor Alankar
Junction,Kapuwada, Hanamkonda Warangal Andhra Pradesh 506011 0870 -
2448182
Kurnool Mr. Gunnadi Pattabhi Chowdary Ist Fl.,Door No.76/2/2/9,K S R
Complex,New Bus Stand Road,Near Railway Over Bridge Opp E-Di-G Kurnool
Andhra Pradesh 518003 08518 - 256186
Vishakhapatnam Mr. Narendra Nath Srivastava D.No.46-22-44, 3rd
Floor, Kalyani Estates, Opp Drm Office, Dondaparth Visakhapatnam
Visakhapatnam Andhra Pradesh 530016 0891 - 2745788
Vijayawada Mr. S.K. Zilani D No 33-5-33/2 Papaiah Street, Near Anil
Estates Seetharampuram, Vijayawada Krishna Andhra Pradesh 520004 0866
- 2444079
Kakinada Mr. K. Satya Murthy D.No.67-15-30/A, 2nd Floor, Paradise
Com., Nagamallithota Jn Kakinada East Godavari Andhra Pradesh 533003
0884 - 2353766
Dibrugarh Mr. Dinesh Chand Jain Near Assam Udyog Company R N C Path
Dibrugarh Dibrugarh Assam 786001 0373 - 2321216
Silchar Mr. Vimlesh Kr. Verma Shobhana Market,Rangkhari Hailakandi
Road, Cachar, Silchar, Assam 788001 03842 - 231855
Nagaon Mr. Trilukya Borah U.R. Road , Marwari Patty Opp- Eco Gas
Chamber, P.O. Nagaon, Nagaon
Assam -782001 03672 - 254452
Guwahati Mr. Bikash Roy Rani Sati Sadan Commercial Complex, IIIrd
Floor, M L Nehru Road , Panbazar, Guwahati, Assam - 781001 0361 -
2547437
Samastipur Mr. Om Prakash Mani Tripathi Bahadurpur, Ward No.26, Near
Shiv Durga Mandir, Samastipur, Bihar 848101 06274 - 222006,222810
Mithilanchal Mr. O.P. Singh Katki Bazar, Tower Chowk, Darbhanga,
Bihar- 846004 06272 - 222216
East West Champaran Mr. Siya Ram Upadhyay Near Jaanpool, Chowk, Main
Road, Motihari, East Champaran, Bihar- 845401 06252 - 222623,231464
(R)
Muzaffarpur Mr. S.C. Srivastava Abc Tower, MIT, Po Brahmpura ,
Muzaffarpur, Bihar- 842003 0621 - 2264464
Siwan Mr. Anjani Kumar Naya Bazar, Rajendra Path, Siwan,
Bihar- 841226 06154 - 243582,243590
Nalanda Mr. Rajendra Singh Panwar Ranjan Commercial Complex, 2nd
Floor, Patna, Ranchi Road, Biharsharif, Nalanda, Bihar - 803101 06112
- 232748
Bhojpur Mr. R.B. Sinha Shivam Complex, Beside Dr.Isha Hospital,
Pakri Road,Arrah, Bhojpur, Bihar- 802301 06182 - 239333
Purnia Mr. Saleem Khan Pal's Market, Gurudwara Road,Purnia , Bihar-
854301 06454 - 244409,243410(R)
Patna Mr. Pravin Kumar Sinha Sahara India Vihar, Near Boring Road
Chauraha, East Boring Canal Road,
Patna, Bihar- 800001 0612 - 2234101,2225654
Bhagalpur Mr. P.B. Dixit 2nd Floor,Chandralok Complex, Radha Rani
Sinha Road, Ghantaghar,Bhagalpur ,Bihar- 812001 0641 - 2421779
Raipur Mr. Sunil Dubey Millenium Plaza, '2nd Floor, Side Of Indian
Coffee House, Raipur,
Chhattisgarh -492001 0771 - 4039116
Delhi Mr. M.C. Gaur 678, Iind. Floor, Ekta House, Kabool Nagar,
Shahdra, Delhi- 110032 011 - 22328313
Baroda Mr. B.C. Patel 451, Ashok Bunglow,Yavteshwar Comp. Doctor
Quaters, Jail Road, Baroda,
Gujarat -390001 0265 - 2427699
Surat Mr. Sunil Chandra Srivastava 3rd Floor, Dhanvantri Complex,
Behind Ayurvedic Hospital, Near Rly.Stn., Sumul Dairy Road, Surat,
Gujarat- 395003 0261 - 2535349
Ahmedabad Mr. V.P. Dixit 2nd Floor, Bank Of India Building, Nr
Kameshwar Mahadev Mandir, Ankur Road, Naranpura, Ahmedabad,
Gujarat- 380013 079 - 27413508, 27499619
Rajkot Mr. Sadab Afroz "Raj Viraj", 3rd Floor, Opp. Grand Regency
Hotel, Gujrat Furniture Street, Dhebhar Rd ,Rajkot, Gujarat- 360002
0281 - 2222092,2227548
Vapi Iind Floor, Padmawati Compex, Opp. 21 Century Hospital,
Gunjan GIDC, NH 8,
Vap,i Valsad, Gujarat- 396195 0260 - 2425378
Panipat Mr. K.M.L. Srivastava Ist Floor,Opp. Vishwakarma Mandir ,
Gohana Road, Panipat, Hariyana- 132103 0180 - 2663030
Faridabad Mr. A.K. Mishra 1A/268, Neelam Bata Road, N.I.T. ,
Faridabad, Hariyana - 121001 0129 - 4075649
Bokaro Mr. S.C. Singh A-16, City Centre, Sector-IV, Bokaro Steel
City, Bokaro, Jharkhand -827004 06542 - 232686
Ranchi Mr. Manoj Shrivastava Ground Floor, Anandmoyee Bhawan, 16,
Purulia Road, Ranchi, Jharkhand -834001 0651 - 2214463, 2206191
Jamshedpur Mr. Mohd. Tanveer 9, New Kalimati Road, Hotel Dobeniar
Complex, Sakchi,Jamshedpur, East Singhbhum, Jharkhand- 831001 0657 -
2231177
Bangalore Mr. R. Ram Koteshwar Rao No 1 Church Street, Brigade
Road , Bangalore, Karnataka -560001 080 - 25586282
Indore Mr. Ajay Kr. Srivastava 792, Kartarkripa Building, Iind
Floor ,Khatiwala Tank, Indore,
Madhya Pradesh -452014 0731 - 4091386 / 4091384
Gwalior Mr. Sadique Khan Ganesh Colony, Naya Bazar, Kampu, Lashker,
Gwalior,
Madhya Pradesh -474001 0751 - 4047321
Bhopal Mr. Rajan Simon 1st Floor,Sahara India Kunj, 195, Maharana
Pratap Nagar, Zone Ist,
Bhopal, Madhya Pradesh - 462011 0755 - 4221779
Jabalpur Mr. Dharmendra Kumar Srivastav 797/2, South Civil Lines,
Jabalpur,
Madhya Pradesh -482001 0761 - 4046140, 4046141
Nagpur Mr. Shailesh Upadhayay Block No 1&2, 4th Floor, J.B. Wing,
Mngalwari Complex, Sadar, Nagpur, Maharashtra - 440001 0712 -
2596811, 2591677
Mumbai Mr. Mohd. Azad Tariq Flat No.110-117,Building No.2A,,Apna
Ghar Co.Op.Hous.Soc.Ltd.,Tel Gully, Andheri (East), Mumbai,
Maharashtra -400069 022 - 26848823
Bhubaneshwar Mr. B. K. Srivastava B-15, Arihant Plaza,3rd Floor,
Opp. Omfed Corporate Office, Saheed Nagar, Bhubaneswar, Khurda,
Orissa-751007 0674 - 2543451/2547217
Sambalpur Mr. R.K. Choudhary Hansini Tower, 2nd Floor,
Ainthapali,Sambalpur, Orissa - 768004 0663 - 2540824
Berhampur Mr. Babu Basantiya Gayatri Central Plaza, Iind Floor,Tata
Benz Square, Berhampur, Ganjam,
Orissa -760005 0680 - 2226375
Chandigarh Mr. S.P. Tiwari S.C.O., No 1110-1111; 2nd Floor, Sector
22 B, Chandigarh(U.T), Punjab -160022 0172 - 2700389
Udaipur Mr. Balram Vijay 23, Hotel Ram Niwas, Ist Floor, Opp. Meera
Kala Mandir, Hiran Magri, Sector-11, Udaipur, Rajasthan -313001 0294
- 2484582
Jodhpur Mr. Khalid Yusuf Iind Floor,Rai Bahadur Baza,r M.G.H. Road,
Jodhpur, Rajasthan -342001 0291 - 2612107(O) 2711538(R)
Ajmer Mr. Deena Nath 2nd Floor, Opp. of City Power House ,Jaipur
Road, Ajmer, Rajasthan -305001 0145 - 2421091
Jaipur Mr. Rajesh Malhotra 33,Prithviraj Nagar, Maharani Farm ,
Durgapura, Jaipur, Rajasthan -302001 0141 - 2763215
Bikaner Mr. Ram Gopal Singh 5-E-173 -174, Opp. Vivekanand School,
Jai Narayan Vyas Colony, Bikaner,Rajasthan -334005 0151 - 2231360
Kota Mr. Deepankar Verma 17, Vallabh Nagar, Opp.Rawatbhata Bus
Stand, Kota, Rajasthan -324007 0744 - 2505999
Alwar Mr. Manoj Jain 2nd Floor, Maa Bhagwati Tower, A-8c, Tizara
Road, Ashok Vihar, Alwar , Rajasthan -301001 0144 - 2731855
Chennai Mr. K. Srinivas Rao Old No. 109/2, New No. 203/2, Beside
Vijaya Stores, Arcot Road, Vadapalani , Chennai, Tamilnadu -600026
044 - 24725568
Azamgarh Mr. Ashok Kumar Srivastava 291/9, Civil Lines, Opp
Sudarshan Das Petrol Pump, Azamgarh,
Uttar Pradesh -276001 05462 - 220825, 267127
Varanasi Mr. P.K. Mishra Sahara India Kashi Niketan, B 8/90-91 ,Bara
Gambhir Singh, Sonarpura, Varanasi , Uttar Pradesh -221001 0542 -
2275707,2277267 (R)
Ballia Mr. Shyam Sunder Kumar 2nd Floor, Opposite Okdenganj Police
Chauki , Okdenganj Chourah, Ballia,
Uttar Pradesh - 277001 05498 - 220462
Allahabad Mr. Naveen Chand Srivastava Rajeshwari Complex, 207/53,
Mahatma Gandhi Marg, Civil Lines, Allahabad ,
Uttar Pradesh -211003 0532 - .2427355
Mirzapur Mr. Raghvendra Tiwari Gangayatan Ramaipatti Chauraha ,
Jilaparishad Road, Mirzapur,
Uttar Pradesh -231001 05442 - 252217
Bareilly Mr. S.N Agrahari Sahara India, Vidya Plaza, 149-A, Civil
Lines, Bareilly, Uttar Pradesh -243001 0581 - 2511146
Sultanpur Mr. V.P. Singh Opp : Civil Hospital , Dharmpal
Complex ,Sultanpur, Uttar Pradesh -228001 05362 - 228906
Lucknow Mr. S.C. Gupta 3rd Floor, Sahara Trade Centre, Faizabad
Road, Indira Nagar,Lucknow,
Uttar Pradesh -226016 0522 - 2345206,2347507
Bahraich Mr. S.K. Jouhari Wazir Bag Doctor's Road, Chhawni Bazar,
Bahraich, Uttar Pradesh -271801 05252 - 228596
Khalilabad Mr. Hari Mohan Singh Mehdawal Road, Khalilabad, Sant
Kabir Nagar, Uttar Pradesh -272175 05547 - 226064
Gorakhpur Mr. Shailendra Kishore Rashtriya Sahara Complex, 2nd
Floor , Park Road, Gorakhpur,
Uttar Pradesh -273001 0551 - 2335915, 2341251 (R)
Basti Mr. Idrish Ahmad Near Telephone Exchange, Kotwali Road ,Basti,
Uttar Pradesh -272002 05542 - 282637
Deoria Mr. Vinay Kumar Srivastava Zila Parishad Bhawan, Civil Lines
Road ,Deoria, Uttar Pradesh -274001 05568 - 222370
Faizabad Mr. Vijay Dheer Mukut Complex, Rekabganj, Faizabad,
Uttar Pradesh -224001 05278 - 222874
Kanpur Mr. Sanjai Jain 117/N 98, Kakadeo,Kanpur,
Uttar Pradesh -208025 0512 - 2500312
Agra Mr. V.K. Srivastava C 2/48, Grevices Complex, Near Sriram
Talkies, Kamla Nagar, Agra,
Uttar Pradesh -282005 0562 - 2881653
Hardoi Mr. P.K. Srivastava Canal Road, Hardoi,
Uttar Pradesh -241001 05852 - 235043
Silliguri Mr. Jitendra Kumar 3rd Floor, Shefali Sadan, Opp. LIC
Office, S.F. Road, Siliguri, Darjeeling,
West Bengal -734005 0353 - 2502083
Howrah Mr. A.K. Dey 392, G T Road (S) , 1st Floor, Near Jharna
Cinema , Bataitola, Shivpur, Howrah,
West Bengal -711103 033 - 26881558
Dakshin Kolkata Mr. Rajesh Deepak 470, Purbachal Main Road, Near
Kalikapur Stand, Kolkata, West Bengal -700078 033 - 24848264
Uttar Kolkata Mr. Ramesh Ch. Hotta Vivekanand Nagar, Badamtala, Near
Bank Of India, Madhyamgram, Kolkata-130,.24 Parganas (North), West
Bengal -700130 033-25377230
Directions
"RESIDUARY NON-BANKING COMPANIES (RESERVE BANK) DIRECTIONS, 1987"
WHICH ARE TOTALLY APPLICABLE ON SIFO.
THE DIRECTION : To invest and keep invested 100% of deposit
liabilities along with interest accrued thereon in high quality
securities as specified/approve d by Reserve Bank Of India (including
Government Securities and/or Government Guaranteed Bonds and Fixed/
Certificate of Deposit of Scheduled Commercial Banks and/or Government
Financial Institutions).
SAFETY OF THE INVESTED SCRIPS : To keep scrips in safe custody with a
nationalised bank. Not even a single paisa withdrawal from its
investments for its expenses or other use. Withdrawals can only be
possible for discharge of liabilities to the depositors.
SECURITY FOR DEPOSITORS : All these securities are to be valued at
their current market price and should any point of time be 100% or
more of the aggregate deposit liabilities alongwith interest accrued
thereon. Thus there is a full cover for all the depositors.
AUTHENTICATION : The above pattern of investment is authenticated on a
quarterly basis by the statutory auditors and the auditors'
certificate issued at the end of every March, June, September &
December, is submitted to the Reserve Bank of India within a specified
time. Various other returns as per statutory requirements are also
furnished regularly.
Investors Security
Our Strong and Strict Fundamentals-
Stringent Expense Control with the Cost of Fund including Interest
Cost within 7% per annum.
No Speculative Investment with total Investment in listed Equity
shares is less than 1% of the Total Assets.
High-Class Quality Investment, which restricts the net Non-performing
Asset Ratio within
0.04% only.
Capital Adequacy Ratio of 28.78% as on 31.03.2008 (statutory
requirement is 12% only).
Our Controls & Checks-
Customised Application softwares are being used to provide prompt,
error free & secure services to our Esteemed Depositors.
All Receipts & Payments are possible after a set of foolproof controls
without any need for human reconciliation.
Each & every payment, at all Service Centers is through a computer
processed advice issued from Command Office.
1478 Service Centers have online connectivity through a network of
VSAT's making communication fast & reliable.
http://www.sifo.in/service_centre.xls
(To Know about Sahara Service Centers Link)
Know Your Customer Guidelines
The objective of this policy is to prevent the Company (SIFCL), a
Residuary on Banking Company registered with Reserve Bank of India U/s
45 IA of the Reserve Bank of India Act, 1934 as deposit taking
company, from being used, internationally or unintentionally, by
criminal elements for money laundering activities. This policy also
enable Sahara India Financial Corporation Limited to know/understand
their customers and their financial dealings better which in turn help
them to manage their risk prudently.
The policy shall consist of four key elements
1. CUSTOMER ACCEPTANCE POLICY:
New account shall be opened in such way to ensure that the identity of
the person does not match with any person with known criminal
background or with banned entities such as individual terrorists or
terrorist organizations etc.
New account shall be opened keeping in mind the requirements of
Prevention of Money Laundering Act, 2002 and guidelines issued by
Reserve Bank of India.
No account shall be opened unless the customer submits the identity or
document as per the classification.
The company may ask sources of funds before accepting deposits from
customers requiring higher due diligence as briefed hereunder:
i. Non-resident customers.
ii. Trusts, Charities, NGOs and Organizations receiving donations.
iii. Companies having close family shareholding or beneficial
ownership.
iv. Politically exposed persons (PEPs) of foreign origin and
v. Those with dubious reputation as per public information available
etc.
The customer profile shall be a confidential document and details
contained there in shall not be divulged for cross selling or any
other purpose.
2. CUSTOMER IDENTIFICATION PROCEDURE:
The Customer Identification means identifying the customer and
verifying the customer his/her identity by using reliable, documents,
data or information. Sahara India Financial Corporation Limited needs
to obtain information necessary to establish, the identity of new
customers.
The detail of information required for opening of account by
Individual, Corporate, Partnership firms etc. is mentioned below:
Features Documents to be required for Identification
Accounts of individuals
Legal name and any other names used
Correct Permanent address
(i) Passport (ii) PAN Card (iii) Voter’s Identity Card (iv) Driving
Licence (v) Identity Card issued by the employers or other authority
(vi) Letter from a recognized public authority or public servant
verifying the identity and residence of the customer Telephone bill
(ii) Bank account statement (iii) Letter from any recognized public
authority (iv) Electricity Bill (v) Ration Card (vi) Letter from
employer (vii) Passport (viii) Voters Identity Card (ix) Driving
License
Accounts of Companies
Name of the Company
Principal place of business
Mailing address of the Company
Telephone/Fax Number Certificate of incorporation and Memorandum &
Articles of Association (ii) Resolution of the Board of Directors to
deposit the money in the Company along with list of authorized
signatories (iii) Power of Attorney granted to its Managers, Officers
of employees to transact business of its behalf (iv) Copy of PAN
allotment letter (v) Copy of the Telephone Bill.
Accounts of Partnership firms
Legal Name
Address
Names of all Partners and their address
Telephone numbers of the firm and Partners (i) Registration
Certificate, if registered (ii) Partnership deed (iii) Power of
Attorney granted to a Partner or an employee of the firm to transact
business on its behalf (iv) Any officially valid documents,
identifying the Partners and the persons holding the Power of Attorney
and their addresses (v) Telephone bill in the name of firm/partner.
Accounts of Trusts & Foundations
Names of Trustees, Settlers, beneficiaries and signatories
Names and address of the Founder, the Managers/Directors and the
Beneficiaries
Telephone/Fax Number (i) Certificate of registration, if registered
(ii) Power of Attorney granted to transact business on its behalf
(iii) Any officially valid document to identify the Trustees,
Settlers, beneficiaries and those holding Power of Attorney, Founders/
Managers/ Directors and their address (iv) Resolution of the managing
body of the foundation/ association (v) Telephone bill.
3. MONITORING OF TRANSACTIONS:
Regular monitoring of policy and its implementation.
Effective controls shall be implemented.
All the records regarding deposit accounts of Rs. 2 lakhs and above
shall be kept separately in case of fixed/one time deposit.
The deposits account opened by the customers requiring higher due
diligence which are narrated under shall be subject to intensified
monitoring:
i. Non-resident customers.
ii. Trusts, Charities, NGOs and Organizations receiving donations.
iii. Companies having close family shareholding or beneficial
ownership.
iv. Politically exposed persons (PEPs) of foreign origin.
v. Those with dubious reputation as per public information available
etc.
Proper record of the transaction should be preserved or maintained as
per the requirement of Section 12 of the Prevention of Money
Laundering Act, 2002.
4. RISK MANAGEMENT
The Sahara India Financial Corporation Limited has adopted effective
KYC programme by establishing appropriate procedures and ensuring
their effective implementation.
Responsibility has been explicitly allocated so that the policies and
procedures are implemented effectively.
The company has a system for creating risk profile of its existing and
new customers and apply measures to stop Money Laundering.
Proper internal audit and compliance system has been put in place to
ensure adherence to the KYC policies and procedures.
There is a ongoing employees training programme so that members of the
staff are adequately trained for KYC procedures.
APPOINTMENT OF PRINCIPAL OFFICER
Company has appointed Shri D.K. Srivastava, Executive Director Worker
to be designated as Principal Officer posted at Registered & Command
Office of the Company Sahara India Bhawan, 1, Kapoorthala Complex,
Lucknow - 226024
RESPONSIBILITY OF PRINCIPAL OFFICER REGARDING ‘KNOW YOUR
CUSTOMER’ (KYC) POLICY-ANTI MONEY LAUNDERING STANDARDS
He shall be responsible for monitoring and reporting of transaction
and sharing of information as required by the Competent Authority.
He shall be responsible for getting implementation of ‘Know your
Customer’ (KYC) Policy-Anti Money Laundering Standards
Definitions:
Customer: A Customer may be defined as
A person or entity that maintains an account and / or has a business
relationship with the company.
Directors
Establishments
Directions
Investors Security
Fair Practice Code
Service Centres
Deposit Schemes
Statutory Advertisements
Know your Customer
Guidelines
Policy for Pre-mature
payment of deposits
Policy for Interest accrued on delayed payment
Corporate Governance
Registration Certificate
Customer Care
Feedback
Contact us
Circular
Customer Care
Kindly rush your grievances/suggestions or any queries related to SIFO
to the nearest Sahara establishment and/or to:
Grievance Redressal Cell
Sahara Shaher, Gomti Nagar,
Lucknow-226010
e-mail: si...@sahara.co.in
Fax No. : +91-522-2327141
Toll Free No. : 1800-180-9090
Contact us
Sahara India Financial Corporation Limited (SIFO)
Sahara India Bhawan
1, Kapoorthala Complex
Lucknow - 226024
Telephone 2337777
Fax - 0522-2378200, 2335651
Toll Free No. : 1800-180-9090
e-mail: si...@sahara.co.in
Regards
Aman (Sharwan Kumar)
9810779473, 9560995505
aman2...@gmail.com
--
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I am Sharing with You about Some Sahara India Financial Corp.
Directors
Name Designation
Shri Subrata Roy Sahara Managing Worker & Chairman
Shri Om Prakash Srivastava Whole Time Director
Shri J. B. Roy Director
Shri H.N. Sinor
Former Chief Executive
Indian Banks’ Association Director
Shri A.K.D. Jadhav
I.A.S. (Retd), Former Secretary to Government of India
(Ministry of Mines)
Director
Shri T.N. Manoharan
FCA, Former President of Institute of Chartered Accountants of India
Director
Establishments
Heads of Zonal Offices Heads of Area Offices Heads of Regional
Offices
Heads of Zonal Offices
Place Name Address Tel. No. (Off./Res.)
Baroda Shri Satish Kr. Singh Sahara India Pariwar, 202, Niharika-II,
Opp. B.O.B., R.C. Dutt Road, Alkapuri, Baroda-390007 0265- 2331866 ,
Fax: 2338441
Hyderabad Shri Ghanshyam Singh Sahara Manzil, Opp. A.P. Secretariat,
Saifabad, Hyderabad-500063 040- 66663672,66661161
Patna Shri Prashant Kumar Sahara India Vihar, Boring Road
Chauraha,East Boring Canal Road, Patna-800001 0612- 2222357,2234300,
2234101
Gorakhpur Shri R.L. Patel IInd Floor, Rashtriya Sahara Complex, Park
Road, Gorakhpur-273009 0551- 2202362, 2204862, 2341342
Ranchi Shri N.K. Pal Sahara India Pariwar, Ist Floor, Anandmayee
Bhawan, 16, Purulia Road, Ranchi-834001 0651- 2211384
Muzaffarpur Shri Anil Kumar Srivastava Sahara India Pariwar, A.B.C.
Tower, Brahmpura, Muzaffarpur-842003 0621- 2264465, 2264466
Kolkata Shri Ajit Sharma Sahara India Pariwar, 46, Dr. Sundari Mohan
Avenue, Kolkata-700014 033- 22897828, 22897462
Varanasi Shri Bachcha Jha Sahara India Kashi Niketan, B-8/90-91Bara
Gambhir Singh, Sonarpura, Varanasi-221001 0542- 2275861, 2275897
Jaipur Shri L.K. Bannashi Sahara India Chambers, Lal Kothi Scheme,
Tonk Road, Jaipur-302015 0141- 2740003, 2742234
Bhopal Shri D.K. Tiwari Sahara India Kunj, 195, Zone - I, M.P. Nagar,
Bhopal-462011 0755- 4276897, 4271228, 4271012
Lucknow Shri Pushkar Verma Sahara Trade Centre, IIIrd Floor, Faizabad
Road, Indira Nagar, Lucknow-226016 0522- 2345206
Bhubaneswar Smt. Seema Das Sahara India Pariwar,
2nd Floor, Plot No. 4, Palasuni, Rasulgarh, Bhubaneswar, Khurda -
751007 0674- 2585242, 2588615
Heads of Area Offices
Place Name Address Tel. No. (Off./Res.)
Jodhpur Sahara India Pariwar, IInd Floor,
Rai Bahadur Bazaar, M.G.H. Road,
Jodhpur - 342001 0291-2620414
Kanpur Shri Vijay Kumar Verma Sahara India Pariwar, 117-N/98 Kakadeo,
Kanpur-208025 0512 -2502986,
FAX 2502982
Guwahati Shri Prashant Mandal Sahara India Pariwar, IIIrd Floor, Kusum
Mansion, Rajgarh Road, Bhangagarh,
Guwahati-781005 0361- 2528642,2456486
Maharashtra (Nagpur) Shri K.K. Dubey Sahara India Pariwar, 1 & 2
Block,
3rd Floor, J.B. Wing, Mangalwari Commercial Complex, Sadar,
Nagpur-440001 0712 -2596013,2596081
Delhi Shri N.B. Singh Sahara India Complex, C-2, C-3, C-4, Sector-11,
Noida, Gautam Budh Nagar - 201301 0120 -2598862,2440287, 2440243
Vijayawada Shri Sudhakar Misro Sahara India Pariwar, D
No. 33-5-33/2, Papaiah Street, Seetharampuram, Vijaywada, Krishna -
520004 0866-2444657
Heads of Regional Offices
Place Name Address Tel. No. (Off./Res.)
Hyderabad Mr. P. Srinivas Gupta 'Sahara Manzil', 2nd Floor,
Opp.A.P.Secretariat, Saifabad, Hyderabad Hyderabad Andhra Pradesh
500063 040 - 66663674
Hanamkonda Mr. D.Sudheer Dr. No. 7-7-336/2, 2nd Floor Alankar
Junction,Kapuwada, Hanamkonda Warangal Andhra Pradesh 506011 0870 -
2448182
Kurnool Mr. Gunnadi Pattabhi Chowdary Ist Fl.,Door No.76/2/2/9,K S R
Complex,New Bus Stand Road,Near Railway Over Bridge Opp E-Di-G Kurnool
Andhra Pradesh 518003 08518 - 256186
Vishakhapatnam Mr. Narendra Nath Srivastava D.No.46-22-44, 3rd
Floor, Kalyani Estates, Opp Drm Office, Dondaparth Visakhapatnam
Visakhapatnam Andhra Pradesh 530016 0891 - 2745788
Vijayawada Mr. S.K. Zilani D No 33-5-33/2 Papaiah Street, Near Anil
Estates Seetharampuram, Vijayawada Krishna Andhra Pradesh 520004 0866
- 2444079
Kakinada Mr. K. Satya Murthy D.No.67-15-30/A, 2nd Floor, Paradise
Com., Nagamallithota Jn Kakinada East Godavari Andhra Pradesh 533003
0884 - 2353766
Dibrugarh Mr. Dinesh Chand Jain Near Assam Udyog Company R N C Path
Dibrugarh Dibrugarh Assam 786001 0373 - 2321216
Silchar Mr. Vimlesh Kr. Verma Shobhana Market,Rangkhari Hailakandi
Road, Cachar, Silchar, Assam 788001 03842 - 231855
Nagaon Mr. Trilukya Borah U.R. Road , Marwari Patty Opp- Eco Gas
Chamber, P.O. Nagaon, Nagaon
Assam -782001 03672 - 254452
Guwahati Mr. Bikash Roy Rani Sati Sadan Commercial Complex, IIIrd
Floor, M L Nehru Road , Panbazar, Guwahati, Assam - 781001 0361 -
2547437
Samastipur Mr. Om Prakash Mani Tripathi Bahadurpur, Ward No.26, Near
Shiv Durga Mandir, Samastipur, Bihar 848101 06274 - 222006,222810
Mithilanchal Mr. O.P. Singh Katki Bazar, Tower Chowk, Darbhanga,
Bihar- 846004 06272 - 222216
East West Champaran Mr. Siya Ram Upadhyay Near Jaanpool, Chowk, Main
Road, Motihari, East Champaran, Bihar- 845401 06252 - 222623,231464
(R)
Muzaffarpur Mr. S.C. Srivastava Abc Tower, MIT, Po Brahmpura ,
Muzaffarpur, Bihar- 842003 0621 - 2264464
Siwan Mr. Anjani Kumar Naya Bazar, Rajendra Path, Siwan,
Bihar- 841226 06154 - 243582,243590
Nalanda Mr. Rajendra Singh Panwar Ranjan Commercial Complex, 2nd
Floor, Patna, Ranchi Road, Biharsharif, Nalanda, Bihar - 803101 06112
- 232748
Bhojpur Mr. R.B. Sinha Shivam Complex, Beside Dr.Isha Hospital,
Pakri Road,Arrah, Bhojpur, Bihar- 802301 06182 - 239333
Purnia Mr. Saleem Khan Pal's Market, Gurudwara Road,Purnia , Bihar-
854301 06454 - 244409,243410(R)
Patna Mr. Pravin Kumar Sinha Sahara India Vihar, Near Boring Road
Chauraha, East Boring Canal Road,
Patna, Bihar- 800001 0612 - 2234101,2225654
Bhagalpur Mr. P.B. Dixit 2nd Floor,Chandralok Complex, Radha Rani
Sinha Road, Ghantaghar,Bhagalpur ,Bihar- 812001 0641 - 2421779
Raipur Mr. Sunil Dubey Millenium Plaza, '2nd Floor, Side Of Indian
Coffee House, Raipur,
Chhattisgarh -492001 0771 - 4039116
Delhi Mr. M.C. Gaur 678, Iind. Floor, Ekta House, Kabool Nagar,
Shahdra, Delhi- 110032 011 - 22328313
Baroda Mr. B.C. Patel 451, Ashok Bunglow,Yavteshwar Comp. Doctor
Quaters, Jail Road, Baroda,
Gujarat -390001 0265 - 2427699
Surat Mr. Sunil Chandra Srivastava 3rd Floor, Dhanvantri Complex,
Behind Ayurvedic Hospital, Near Rly.Stn., Sumul Dairy Road, Surat,
Gujarat- 395003 0261 - 2535349
Ahmedabad Mr. V.P. Dixit 2nd Floor, Bank Of India Building, Nr
Kameshwar Mahadev Mandir, Ankur Road, Naranpura, Ahmedabad,
Gujarat- 380013 079 - 27413508, 27499619
Rajkot Mr. Sadab Afroz "Raj Viraj", 3rd Floor, Opp. Grand Regency
Hotel, Gujrat Furniture Street, Dhebhar Rd ,Rajkot, Gujarat- 360002
0281 - 2222092,2227548
Vapi Iind Floor, Padmawati Compex, Opp. 21 Century Hospital,
Gunjan GIDC, NH 8,
Vap,i Valsad, Gujarat- 396195 0260 - 2425378
Panipat Mr. K.M.L. Srivastava Ist Floor,Opp. Vishwakarma Mandir ,
Gohana Road, Panipat, Hariyana- 132103 0180 - 2663030
Faridabad Mr. A.K. Mishra 1A/268, Neelam Bata Road, N.I.T. ,
Faridabad, Hariyana - 121001 0129 - 4075649
Bokaro Mr. S.C. Singh A-16, City Centre, Sector-IV, Bokaro Steel
City, Bokaro, Jharkhand -827004 06542 - 232686
Ranchi Mr. Manoj Shrivastava Ground Floor, Anandmoyee Bhawan, 16,
Purulia Road, Ranchi, Jharkhand -834001 0651 - 2214463, 2206191
Jamshedpur Mr. Mohd. Tanveer 9, New Kalimati Road, Hotel Dobeniar
Complex, Sakchi,Jamshedpur, East Singhbhum, Jharkhand- 831001 0657 -
2231177
Bangalore Mr. R. Ram Koteshwar Rao No 1 Church Street, Brigade
Road , Bangalore, Karnataka -560001 080 - 25586282
Indore Mr. Ajay Kr. Srivastava 792, Kartarkripa Building, Iind
Floor ,Khatiwala Tank, Indore,
Madhya Pradesh -452014 0731 - 4091386 / 4091384
Gwalior Mr. Sadique Khan Ganesh Colony, Naya Bazar, Kampu, Lashker,
Gwalior,
Madhya Pradesh -474001 0751 - 4047321
Bhopal Mr. Rajan Simon 1st Floor,Sahara India Kunj, 195, Maharana
Pratap Nagar, Zone Ist,
Bhopal, Madhya Pradesh - 462011 0755 - 4221779
Jabalpur Mr. Dharmendra Kumar Srivastav 797/2, South Civil Lines,
Jabalpur,
Madhya Pradesh -482001 0761 - 4046140, 4046141
Nagpur Mr. Shailesh Upadhayay Block No 1&2, 4th Floor, J.B. Wing,
Mngalwari Complex, Sadar, Nagpur, Maharashtra - 440001 0712 -
2596811, 2591677
Mumbai Mr. Mohd. Azad Tariq Flat No.110-117,Building No.2A,,Apna
Ghar Co.Op.Hous.Soc.Ltd.,Tel Gully, Andheri (East), Mumbai,
Maharashtra -400069 022 - 26848823
Bhubaneshwar Mr. B. K. Srivastava B-15, Arihant Plaza,3rd Floor,
Opp. Omfed Corporate Office, Saheed Nagar, Bhubaneswar, Khurda,
Orissa-751007 0674 - 2543451/2547217
Sambalpur Mr. R.K. Choudhary Hansini Tower, 2nd Floor,
Ainthapali,Sambalpur, Orissa - 768004 0663 - 2540824
Berhampur Mr. Babu Basantiya Gayatri Central Plaza, Iind Floor,Tata
Benz Square, Berhampur, Ganjam,
Orissa -760005 0680 - 2226375
Chandigarh Mr. S.P. Tiwari S.C.O., No 1110-1111; 2nd Floor, Sector
22 B, Chandigarh(U.T), Punjab -160022 0172 - 2700389
Udaipur Mr. Balram Vijay 23, Hotel Ram Niwas, Ist Floor, Opp. Meera
Kala Mandir, Hiran Magri, Sector-11, Udaipur, Rajasthan -313001 0294
- 2484582
Jodhpur Mr. Khalid Yusuf Iind Floor,Rai Bahadur Baza,r M.G.H. Road,
Jodhpur, Rajasthan -342001 0291 - 2612107(O) 2711538(R)
Ajmer Mr. Deena Nath 2nd Floor, Opp. of City Power House ,Jaipur
Road, Ajmer, Rajasthan -305001 0145 - 2421091
Jaipur Mr. Rajesh Malhotra 33,Prithviraj Nagar, Maharani Farm ,
Durgapura, Jaipur, Rajasthan -302001 0141 - 2763215
Bikaner Mr. Ram Gopal Singh 5-E-173 -174, Opp. Vivekanand School,
Jai Narayan Vyas Colony, Bikaner,Rajasthan -334005 0151 - 2231360
Kota Mr. Deepankar Verma 17, Vallabh Nagar, Opp.Rawatbhata Bus
Stand, Kota, Rajasthan -324007 0744 - 2505999
Alwar Mr. Manoj Jain 2nd Floor, Maa Bhagwati Tower, A-8c, Tizara
Road, Ashok Vihar, Alwar , Rajasthan -301001 0144 - 2731855
Chennai Mr. K. Srinivas Rao Old No. 109/2, New No. 203/2, Beside
Vijaya Stores, Arcot Road, Vadapalani , Chennai, Tamilnadu -600026
044 - 24725568
Azamgarh Mr. Ashok Kumar Srivastava 291/9, Civil Lines, Opp
Sudarshan Das Petrol Pump, Azamgarh,
Uttar Pradesh -276001 05462 - 220825, 267127
Varanasi Mr. P.K. Mishra Sahara India Kashi Niketan, B 8/90-91 ,Bara
Gambhir Singh, Sonarpura, Varanasi , Uttar Pradesh -221001 0542 -
2275707,2277267 (R)
Ballia Mr. Shyam Sunder Kumar 2nd Floor, Opposite Okdenganj Police
Chauki , Okdenganj Chourah, Ballia,
Uttar Pradesh - 277001 05498 - 220462
Allahabad Mr. Naveen Chand Srivastava Rajeshwari Complex, 207/53,
Mahatma Gandhi Marg, Civil Lines, Allahabad ,
Uttar Pradesh -211003 0532 - .2427355
Mirzapur Mr. Raghvendra Tiwari Gangayatan Ramaipatti Chauraha ,
Jilaparishad Road, Mirzapur,
Uttar Pradesh -231001 05442 - 252217
Bareilly Mr. S.N Agrahari Sahara India, Vidya Plaza, 149-A, Civil
Lines, Bareilly, Uttar Pradesh -243001 0581 - 2511146
Sultanpur Mr. V.P. Singh Opp : Civil Hospital , Dharmpal
Complex ,Sultanpur, Uttar Pradesh -228001 05362 - 228906
Lucknow Mr. S.C. Gupta 3rd Floor, Sahara Trade Centre, Faizabad
Road, Indira Nagar,Lucknow,
Uttar Pradesh -226016 0522 - 2345206,2347507
Bahraich Mr. S.K. Jouhari Wazir Bag Doctor's Road, Chhawni Bazar,
Bahraich, Uttar Pradesh -271801 05252 - 228596
Khalilabad Mr. Hari Mohan Singh Mehdawal Road, Khalilabad, Sant
Kabir Nagar, Uttar Pradesh -272175 05547 - 226064
Gorakhpur Mr. Shailendra Kishore Rashtriya Sahara Complex, 2nd
Floor , Park Road, Gorakhpur,
Uttar Pradesh -273001 0551 - 2335915, 2341251 (R)
Basti Mr. Idrish Ahmad Near Telephone Exchange, Kotwali Road ,Basti,
Uttar Pradesh -272002 05542 - 282637
Deoria Mr. Vinay Kumar Srivastava Zila Parishad Bhawan, Civil Lines
Road ,Deoria, Uttar Pradesh -274001 05568 - 222370
Faizabad Mr. Vijay Dheer Mukut Complex, Rekabganj, Faizabad,
Uttar Pradesh -224001 05278 - 222874
Kanpur Mr. Sanjai Jain 117/N 98, Kakadeo,Kanpur,
Uttar Pradesh -208025 0512 - 2500312
Agra Mr. V.K. Srivastava C 2/48, Grevices Complex, Near Sriram
Talkies, Kamla Nagar, Agra,
Uttar Pradesh -282005 0562 - 2881653
Hardoi Mr. P.K. Srivastava Canal Road, Hardoi,
Uttar Pradesh -241001 05852 - 235043
Silliguri Mr. Jitendra Kumar 3rd Floor, Shefali Sadan, Opp. LIC
Office, S.F. Road, Siliguri, Darjeeling,
West Bengal -734005 0353 - 2502083
Howrah Mr. A.K. Dey 392, G T Road (S) , 1st Floor, Near Jharna
Cinema , Bataitola, Shivpur, Howrah,
West Bengal -711103 033 - 26881558
Dakshin Kolkata Mr. Rajesh Deepak 470, Purbachal Main Road, Near
Kalikapur Stand, Kolkata, West Bengal -700078 033 - 24848264
Uttar Kolkata Mr. Ramesh Ch. Hotta Vivekanand Nagar, Badamtala, Near
Bank Of India, Madhyamgram, Kolkata-130,.24 Parganas (North), West
Bengal -700130 033-25377230
Directions
"RESIDUARY NON-BANKING COMPANIES (RESERVE BANK) DIRECTIONS, 1987"
WHICH ARE TOTALLY APPLICABLE ON SIFO.
THE DIRECTION : To invest and keep invested 100% of deposit
liabilities along with interest accrued thereon in high quality
securities as specified/approve d by Reserve Bank Of India (including
Government Securities and/or Government Guaranteed Bonds and Fixed/
Certificate of Deposit of Scheduled Commercial Banks and/or Government
Financial Institutions).
SAFETY OF THE INVESTED SCRIPS : To keep scrips in safe custody with a
nationalised bank. Not even a single paisa withdrawal from its
investments for its expenses or other use. Withdrawals can only be
possible for discharge of liabilities to the depositors.
SECURITY FOR DEPOSITORS : All these securities are to be valued at
their current market price and should any point of time be 100% or
more of the aggregate deposit liabilities alongwith interest accrued
thereon. Thus there is a full cover for all the depositors.
AUTHENTICATION : The above pattern of investment is authenticated on a
quarterly basis by the statutory auditors and the auditors'
certificate issued at the end of every March, June, September &
December, is submitted to the Reserve Bank of India within a specified
time. Various other returns as per statutory requirements are also
furnished regularly.
Investors Security
Our Strong and Strict Fundamentals-
Stringent Expense Control with the Cost of Fund including Interest
Cost within 7% per annum.
No Speculative Investment with total Investment in listed Equity
shares is less than 1% of the Total Assets.
High-Class Quality Investment, which restricts the net Non-performing
Asset Ratio within
0.04% only.
Capital Adequacy Ratio of 28.78% as on 31.03.2008 (statutory
requirement is 12% only).
Our Controls & Checks-
Customised Application softwares are being used to provide prompt,
error free & secure services to our Esteemed Depositors.
All Receipts & Payments are possible after a set of foolproof controls
without any need for human reconciliation.
Each & every payment, at all Service Centers is through a computer
processed advice issued from Command Office.
1478 Service Centers have online connectivity through a network of
VSAT's making communication fast & reliable.
http://www.sifo.in/service_centre.xls
(To Know about Sahara Service Centers Link)
Know Your Customer Guidelines
The objective of this policy is to prevent the Company (SIFCL), a
Residuary on Banking Company registered with Reserve Bank of India U/s
45 IA of the Reserve Bank of India Act, 1934 as deposit taking
company, from being used, internationally or unintentionally, by
criminal elements for money laundering activities. This policy also
enable Sahara India Financial Corporation Limited to know/understand
their customers and their financial dealings better which in turn help
them to manage their risk prudently.
The policy shall consist of four key elements
1. CUSTOMER ACCEPTANCE POLICY:
New account shall be opened in such way to ensure that the identity of
the person does not match with any person with known criminal
background or with banned entities such as individual terrorists or
terrorist organizations etc.
New account shall be opened keeping in mind the requirements of
Prevention of Money Laundering Act, 2002 and guidelines issued by
Reserve Bank of India.
No account shall be opened unless the customer submits the identity or
document as per the classification.
The company may ask sources of funds before accepting deposits from
customers requiring higher due diligence as briefed hereunder:
i. Non-resident customers.
ii. Trusts, Charities, NGOs and Organizations receiving donations.
iii. Companies having close family shareholding or beneficial
ownership.
iv. Politically exposed persons (PEPs) of foreign origin and
v. Those with dubious reputation as per public information available
etc.
The customer profile shall be a confidential document and details
contained there in shall not be divulged for cross selling or any
other purpose.
2. CUSTOMER IDENTIFICATION PROCEDURE:
The Customer Identification means identifying the customer and
verifying the customer his/her identity by using reliable, documents,
data or information. Sahara India Financial Corporation Limited needs
to obtain information necessary to establish, the identity of new
customers.
The detail of information required for opening of account by
Individual, Corporate, Partnership firms etc. is mentioned below:
Features Documents to be required for Identification
Accounts of individuals
Legal name and any other names used
Correct Permanent address
(i) Passport (ii) PAN Card (iii) Voter’s Identity Card (iv) Driving
Licence (v) Identity Card issued by the employers or other authority
(vi) Letter from a recognized public authority or public servant
verifying the identity and residence of the customer Telephone bill
(ii) Bank account statement (iii) Letter from any recognized public
authority (iv) Electricity Bill (v) Ration Card (vi) Letter from
employer (vii) Passport (viii) Voters Identity Card (ix) Driving
License
Accounts of Companies
Name of the Company
Principal place of business
Mailing address of the Company
Telephone/Fax Number Certificate of incorporation and Memorandum &
Articles of Association (ii) Resolution of the Board of Directors to
deposit the money in the Company along with list of authorized
signatories (iii) Power of Attorney granted to its Managers, Officers
of employees to transact business of its behalf (iv) Copy of PAN
allotment letter (v) Copy of the Telephone Bill.
Accounts of Partnership firms
Legal Name
Address
Names of all Partners and their address
Telephone numbers of the firm and Partners (i) Registration
Certificate, if registered (ii) Partnership deed (iii) Power of
Attorney granted to a Partner or an employee of the firm to transact
business on its behalf (iv) Any officially valid documents,
identifying the Partners and the persons holding the Power of Attorney
and their addresses (v) Telephone bill in the name of firm/partner.
Accounts of Trusts & Foundations
Names of Trustees, Settlers, beneficiaries and signatories
Names and address of the Founder, the Managers/Directors and the
Beneficiaries
Telephone/Fax Number (i) Certificate of registration, if registered
(ii) Power of Attorney granted to transact business on its behalf
(iii) Any officially valid document to identify the Trustees,
Settlers, beneficiaries and those holding Power of Attorney, Founders/
Managers/ Directors and their address (iv) Resolution of the managing
body of the foundation/ association (v) Telephone bill.
3. MONITORING OF TRANSACTIONS:
Regular monitoring of policy and its implementation.
Effective controls shall be implemented.
All the records regarding deposit accounts of Rs. 2 lakhs and above
shall be kept separately in case of fixed/one time deposit.
The deposits account opened by the customers requiring higher due
diligence which are narrated under shall be subject to intensified
monitoring:
i. Non-resident customers.
ii. Trusts, Charities, NGOs and Organizations receiving donations.
iii. Companies having close family shareholding or beneficial
ownership.
iv. Politically exposed persons (PEPs) of foreign origin.
v. Those with dubious reputation as per public information available
etc.
Proper record of the transaction should be preserved or maintained as
per the requirement of Section 12 of the Prevention of Money
Laundering Act, 2002.
4. RISK MANAGEMENT
The Sahara India Financial Corporation Limited has adopted effective
KYC programme by establishing appropriate procedures and ensuring
their effective implementation.
Responsibility has been explicitly allocated so that the policies and
procedures are implemented effectively.
The company has a system for creating risk profile of its existing and
new customers and apply measures to stop Money Laundering.
Proper internal audit and compliance system has been put in place to
ensure adherence to the KYC policies and procedures.
There is a ongoing employees training programme so that members of the
staff are adequately trained for KYC procedures.
APPOINTMENT OF PRINCIPAL OFFICER
Company has appointed Shri D.K. Srivastava, Executive Director Worker
to be designated as Principal Officer posted at Registered & Command
Office of the Company Sahara India Bhawan, 1, Kapoorthala Complex,
Lucknow - 226024
RESPONSIBILITY OF PRINCIPAL OFFICER REGARDING ‘KNOW YOUR
CUSTOMER’ (KYC) POLICY-ANTI MONEY LAUNDERING STANDARDS
He shall be responsible for monitoring and reporting of transaction
and sharing of information as required by the Competent Authority.
He shall be responsible for getting implementation of ‘Know your
Customer’ (KYC) Policy-Anti Money Laundering Standards
Definitions:
Customer: A Customer may be defined as
A person or entity that maintains an account and / or has a business
relationship with the company.
Directors
Establishments
Directions
Investors Security
Fair Practice Code
Service Centres
Deposit Schemes
Statutory Advertisements
Know your Customer
Guidelines
Policy for Pre-mature
payment of deposits
Policy for Interest accrued on delayed payment
Corporate Governance
Registration Certificate
Customer Care
Feedback
Contact us
Circular
Customer Care
Kindly rush your grievances/suggestions or any queries related to SIFO
to the nearest Sahara establishment and/or to:
Grievance Redressal Cell
Sahara Shaher, Gomti Nagar,
Lucknow-226010
e-mail: si...@sahara.co.in
Fax No. : +91-522-2327141
Toll Free No. : 1800-180-9090
Contact us
Sahara India Financial Corporation Limited (SIFO)
Sahara India Bhawan
1, Kapoorthala Complex
Lucknow - 226024
Telephone 2337777
Fax - 0522-2378200, 2335651
Toll Free No. : 1800-180-9090
e-mail: si...@sahara.co.in
Regards
Aman (Sharwan Kumar)
9810779473, 9560995505
aman2...@gmail.com
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