ETHICAL COMPLIANCE REPORT

HSG & URBAN DEV CORPN

Sector:

Financial Services

Industry:

Credit Services

Overall Compliance

non-compliant

PRIMARY BUSINESS FILTER
Financial Services
non-compliant
REVENUE RATIO FILTER
97.2%
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DEBT RATIO FILTER
0%
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LIQUIDITY RATIO FILTER
0.4%
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Revenue Ratio

The sum of revenue from questionable and non-compliant sources should not exceed 3% of the total revenue. This ensures that the company has tolerable reliance on unethical sources of revenue.

97.2%

Non Compliant

Questionable

Compliant

CALCULATION

\textbf{Revenue Ratio:} \\[12pt] \dfrac{77277900000.00}{79471000000.00} \times 100 = 97.20\%

FORMULA

\textbf{Revenue Ratio:} \\[12pt] \dfrac{\text{Unethical Segments}}{\text{Total Revenue}} \times 100 \; \leq \; 3\%

Segment	Compliance	Value
Dividend Income	questionable	₹5.89
Sale of Services	compliant	₹1.10
Interest Income	non-compliant	₹7,653.21
Other Income	compliant	₹162.81
Fees and Commission Income	compliant	₹0.64
Rental Income	compliant	₹54.76
Net Gain on Fair Value Changes	questionable	₹68.69

Debt Ratio

The interest bearing debt should not exceed 31% of the total assets. This is to ensure that the company is not paying a significant portion of its assets as interest.

CALCULATION

\textbf{Debt Ratio:} \\[12pt] \dfrac{0.00}{934223400000.00} \times 100 = 0.00\%

FORMULA

\textbf{Debt Ratio:} \\[12pt] \dfrac{\text{Interest Bearing Debt}}{\text{Total Assets}} \times 100 \; \leq \; 30\%

Liquidity Ratio

The total liquid assets should not exceed 90% of the total assets. This is to ensure that trading this stock does not become similar to trading a currency.

0.4%

CALCULATION

\textbf{Liquidity Ratio:} \\[12pt] \dfrac{3873600000.00}{934223400000.00} \times 100 = 0.40\%

FORMULA

\textbf{Liquidity Ratio:} \\[12pt] \dfrac{\text{Total Liquid Assets}}{\text{Total Assets}} \times 100 \; \leq \; 90\%