MAHINDRA & MAHINDRA  FINANCIAL SERVICES LTD.

Announces Public Issueof Unsecured Subordinated Redeemable
Non Convertible Debentures (NCD's).

NCD's of Face value of  Rs.1000/- each for an amount of  Rs.250 crores.


With an option to retain oversubscription upto Rs.750 crores aggregating
to Rs.1000 crores.(Tranche 1 issue).

Issue opens on 25th May,2016 & Closes on 10th June,2016. The NCD's will
be listed in BSE. within 12 working days for the issue closure date.

The NCD's proposed to be issued under this issue have been rated IND AAA
for an amount of Rs.1000 crores by India Ratings * Research Pvt.Ltd., and
CARE AAA for an amount of Rs.1000 crores by Credit Analysis & Research Ltd.,
(CARE).The rating of NCD's by India Ratings & CARE indicate that
instruments with this rating are considered to have highest degree of safety
regarding timely servicing of financial obligations & carry lowest credit risk.

About the Company: Mahindra & Mahindra Financial Services Ltd., is part
of the Mahindra Group.

Please read the Prospectus for more details.

SUCCESS STORIES - INSPIRATION FOR OTHERS.


From Nothing,Mr.Renuka Aradhya owns Rs.30 crore empire.

Renuka Aradhya knows what life is as he has undergone the worst.
His confidence,sincerity,business acumen & perseverance has taken
him what he is today.

He plans for an IPO once his company's turnover crosses Rs.100 crores.
He owns a company that employs 150 people and sits in the Board of 
three start ups as Director.

Source:Rediff.com

RACOLD THERMA PVT.LTD -  INTRODUCE NEW RANGE OF 
SOLAR WATER HEATER "ALPHA PRO".

This device comes with an unique "Smart Float" feature which is the 
first of its kind . Helps save upto 3000 units of electricity in a year
according to the company.Price range from Rs.19,000/- onwards.

Speaking at the launch Mr.V.Ramanath,Managing Director,
Racold Thermo Private Ltd., said," We,at Racold Thermo, have 
been setting the benchmark in the industry by introducing
innovative,state-of-the-art technology & aesthetically designed
products every year.The new technology bears testimony to our
ability of constantly offering innovative & customised solutions
for our customers".

About the Company: Racold Thermo Pvt.Ltd., an ISO 9001:2008
Company,is a fully owned subsidiary of the euro1.43 billion
Ariston Thermo group-Italy.The group employs 6700 people 
worldwide.The Indian operations include India's largest & fully
integrated water heater plant in Chakan near Pune,Maharashtra.

UJJIVAN FINANCIAL SERVICES LIMITED - IPO.

Price band of Rs.207-210. Face Value  : Rs.10/-.   

Mr.Samit Ghosh,M.D& CEO(second from right) addressing media.

Issue opens on 28th April,2016,  Issue Closes on : 2nd May,2016.

The IPO consists of a fresh issue of Equity shares aggregating upto
Rs.3581.61 million and an Offer for Sale  upto 24,968,332 Equity
shares by Elevar,FMO,IFC,IFIF,MUC,Sarva Capital,WCP & WWB.
The Company in consultation with the BLRMs,has completed a 
Pre-IPO placement of 14,236,057 equity shares for cash aggregating
to Rs.2918.39 million.The size of the Fresh Issue as disclosed in the
Red Herring prospectus Dtd.31.12.2015 being Rs.6500 million,has
been reduced accordingly.

About the Company:Ujjivan Financial Services Ltd.,(UFS):The Company 
has 11% market share in the Micro Finance segment & now becoming 
a Small Finance Bank.UFS has served over 2.77 million customers 
spread across 24 states & Union territories through a network of 270
branches and 7862 employees.

Bids can be made for a minimum of 70 equity shares & in multiples
of 70 equity shares thereafter.

EDITORIAL.

                                JUSTICE DELAYED IS JUSTICE DENIED.

Justice Delayed is Justice Denied is a legal maxim, which was said by William
Gladstone who was a British Statesman and the Prime Minister (1868-1894).Martin  
Luther King Jr,said,"Justice too long delayed is Justice Denied".

It is reported that 3.38 crores cases  are pending in High Courts & Supreme Court. The
only remedy is to increase the number of Judges in High Courts  and Supreme Court. 
So many governments came in 68 years of our Independence,no government has 
given any serious thought to this very important  issue. In nutshell all governments 
so far has denied Justice to the common man till now. The Honourable Chief Justice 
of India has rightly raised the issue of appointing more judges in High Courts & 
Supreme Court to give timely justice to poor and the undertrials.

MAHINDRA FIRST CHOICE WHEELS LIMITED.

Inaugurates the 735th dealership in the country in
Bengaluru  at Kammanahalli circle,Kalyan nagar,
Outer ring road,Bangalore -13 for used cars.

This is the 24th authorised dealership in Karnataka.

EDITORIAL.

                                    INDIA TAKES ON CHINA BOLDLY.

If we don't take care of our national interest,nobody will.This government
unlike the previous government headed by Manmohan Singh,has sent a
strong message to China by playing the Ughur Card.This is a bold decision 
by Modi government to tell the Chinese that we can also take tough decisions 
as and when necessary. China's attitude of acting as "Big Brother" &
siding with Pakistan  to embarass & provoke India will not be tolerated by
India,a country of billion people. The government should take strong
actions on the trade front also.Already,the Confederation of All India
Traders (CAIT) has threatened to boycott the Chinese goods.The body
said it has taken a strong exception to the behaviour of China,which
supports Pakistan openly.Similarly,others should follow too,so that
China should realise that it is better to be friendly with India than
to embarrass India.

AIR PEGASUS COMPLETES ONE YEAR OF OPERATION.

Mr.Shyson Thomas,M.D.Air Pegasus,Addressing media.

Air Pegasus to invest Rs.100 crores,add new flights & connect new
destinations.Achieves 82% Load factor.

Addressing media,Mr.Shyson Thomas,Managing Director,Air Pegasus
said,"At present the airline
has three ATR's and will be adding more aircrafts during this financial
year.The airline will be connecting new destinations like Goa,Kochi,& 
Vijayawada and will be scaling up its services to connect Tuticorin,
Belgaum,Rajahmundry.".He also announced that the airline will be
operating to Pondicherry from 25th April,this year.At present the airline
is operating to 16 destinations and will be flying to 25 destinations in
south in few months.

So far ,the airline operated 4056 flying Hours,ferried 2,80,000 passengers
and operated 5000 flights. The airline has tied up with OYO rooms,in case
the passengers especially from  the start up companies wish to avail the
services.

Mr.Rafael Treguer,Vice President-Sales & Marketing
Renault India launching the New Duster.

RENAULT INDIA LAUNCHES NEW DUSTER.

The new Duster range which was recently unveiled at the EXPO 2016
includes India's first  6 speed Easy-R AMT and also boasts of more than
32 new changes along with superior engineering,styling,safety and
comfort features.The New Duster comes with 56 accessories.

Speaking about the new Duster,Mr.Rafael  Treguer,Vice President-Sales
& Marketing,Renault India,said," Duster is a perfect example of Renault's
core speciality of concept innovation." The new Duster is available in 7
colours.
Price: The introductory petrol base variant RXE is priced at Rs.8,63,999/-
(ex-Bengaluru) RXL is priced at Rs.9,43,999/-

About Renault as a Company:
The company has 5  manufacturing facilities globally.
The Company has presence in 100 countries.

KARNATAKA.

THE ANTI CORRUPTION BUREAU(ACB)-APOOR SUBSTITUTE 
FOR LOKYUKTA.

The government of karnataka's move to empower Anti corruption Bureau
is perceived as a move to weaken the institution of Lokayukta by the people.
How can an ACB function as an independent body under the government
control?Sooner the government shelves this idea,better for the government
to restore the lost image on this issue.

MAHINDRA TWO WHEELERS LAUNCHES "GUSTO 125" SCOOTER.

Powered by 125cc M-Tec engine.

SPECIAL FEATURES OF THE SCOOTER GUSTO 125.

1.Load Sensing.    3.Low friction.
2.Digital Ignition.  4.12" Tyres in Both wheels.

Mr.Vinod Sahay,COO,Mahindra Two wheelers Ltd.,
launching the scooter  GUSTO125 in four colours.

5.Best in Class Ground Clearance. 6.Height adjustable seat.
7.Find Me Lamps if parked in dark areas.
8.Remote flip Key.
9.Guidance Lamp for 20 seconds to find way to go to the door
    in case of darkness around the house.

Addressing Media while launching the Scooter,GUSTO 125, Mr.Vinod  Sahay,
Chief Operating Officer, Mahindra Two Wheelers Ltd., said,"Mahindra Gusto125
is a Complete,fully loaded scooter with special features that is sure to delight customers".

Price: ex showroom Bengaluru:
(a)  Gusto 125 DX :Rs.50,680/-    (b)   Top end Gusto 125 VX: Rs.53,680/-.
The company will be having 450 dealers across the country.

BUDGET AND THE BRIEF CASE.

The Finance Ministers either at the Centre or in the states show their

Mr.T.T.Krishnamachari with budget papers.

Brief Case for the Photo op before presenting the Budget. One wonders
why the Brief case and why not a Bag Pack which is a symbol of modern 
youth as India is a young country.The first finance Minister of the country
Mr.R.K.Shanmukham Chetty,then T.T.Krishnamachari did not show the
Brief case before presenting the budget but their followers did like 
Y.B.Chavan,Yeshwant Sinha,Dr.Manmohan Singh and the present Finance
Minister Arun Jaitley.

Mr.Pranab Mukherjee.

Mr.Yashwant Sinha.

Even the British Finance Minister George Osborne show the Brief case
containing the budget papers.We donot know who learnt from whom?

Mr.R.K.Shanmukham Chetty,the First Finance Minister of the country before the Budget.

Mr.Arun Jaitley.

Dr.Manmohan Singh.