2. INDUCTION TRAINING PROGRAMME
Welcome to
INDUCTION TRAINING PROGRAMME

3. “Namaste” Inculcate the culture of Namaste
Welcome to Manappuram Family

4. Manappuram Finance Limited strongly believes that its Human Resource is the most precious asset and the best of investments. By joining Manappuram Finance Limited, you have taken the right decision towards a future with brighter prospects and faster career growth.

6. Manappuram Group was founded by late Mr. V C Padmanabhan during 1949
FOUNDER OF THE GROUP
V.C. PADMANABHAN
Manappuram Group was founded by late
Mr. V C Padmanabhan during 1949

7. History
Manappuram Finance Limited (MAFIL) is one of the leading gold loan companies in India. The Company’s origins go back to 1949 when Manappuram was founded in Valapad, a coastal village in the Thrissur District of Kerala, by the late V.C. Padmanabhan, father of Shri V.P. Nandakumar (our present MD & CEO). Its activity was mainly pawn broking and money lending carried out on a modest scale. The principal asset of the company was the integrity and foresight of its Founder and, among the people of the area, it soon acquired a reputation as a safe-haven for their investments.

9. Milestones of Manappuram
1949 – Established by Shri V C Padmanabhan on a modest scale in Valappad, a coastal village in Thrissur District in the state of Kerala.
1986 – Present MD & CEO Mr. V P Nandakumar took over the reins of business
1992 – Incorporated as Public Limited Company
1995 – First Public Issue
1998 – NBFC Certificate of Registration by the RBI.
2002 – Money changer license for doing Forex Business
2007- Authorised Dealer-II License (AD-II License) from RBI & First Bonus Share Issue.
2008 – Business crossed 1000 crores
2010 – Branches crossed 1000 mark & Business crossed 5000 crores & Second Bonus Share Issue
Changed the name as Manappuram Finance Ltd from Manappuram General Finance and Leasing Ltd. & Third Bonus Share Issue.
AUM crossed crore mark
2015- Acquired Milestone Housing Finance , Asirvad Micro Finance
2016- AUM crossed Rs crores.

10. Board Of Directors

11. Non Executive Chairman
Mr. Jagdish Kapoor
Non Executive Chairman
Mr. Jagdish Kapoor was the former Chairman of HDFC Bank, former Deputy Governor of Reserve Bank of India and also former Chairman of UTI and BSE Ltd
Has been on the Board of many Banks and companies including SBI, Bank of Baroda NHB, IDFC
He joined the Board of MAFIL in July 2010.

12. Shri.VP Nandakumar Managing Director & CEO
Chief Promoter of the Manappuram Finance Limited
Holds a masters degree in science from Calicut University, PG Dip. in Foreign Trade ,and is also a Certified Associate of Indian Institute of Bankers.
Has been associated with the banking industry in various capacities.
He is the Chairman of the Equipment Leasing Association (India) and the Kerala Non-Banking Finance Companies Welfare Association

13. Mr. B.N. Raveendra Babu Executive Director
Holds masters degree in commerce from Calicut University and completed Inter from Institute of Certified Management Accountants
Has worked in a senior position in the Finance and Accounts Department of Blue Marine International at the U.A.E
He has been the Director of Manappuram since July 1992

14. Mr. P. Manomohanan
Independent and Non Executive Director
Mr. P. Manomohanan is an eminent Central Banker with a professional qualification in Banking.
Has got over 38 years of experience in Banking including Directorships in the South Indian Bank Ltd and the Federal Bank Ltd.
Has worked as the General Manager, Reserve Bank of India, Department of Banking Supervision, Trivandrum.

15. Adv.V.R.Ramachandran
Independent and Non Executive Director
Adv. V.R. Ramachandran is an eminent lawyer of Thrissur Bar and is well versed with the provisions of Civil as well as Criminal laws.
He hold a BSc degree from Calicut University and an LLB from the Kerala University

16. Mr. Shailesh J Mehta Independent and Non Executive Director
Dr. Mehta is a BTech in mechanical engineering from IIT Mumbai,
MSc in Operations Research from Case Western Reserve University and PhD degree in Operation Research and Human Letters from California State University and in Computer Science and Operations Research from Case Western Reserve University.
Has over 38 years of experience, was President of Granite Hill Capital Ventures, Chairman and CEO of Providian Financial Corporation, operating general partner of West Bridge Capital, President and COO of Capital Holding and Executive Vice President of Key Corp.

17. Mr. E A Kshirsagar Non Executive Director
Mr. E A Kshirsagar is a Fellow of the Institute of Chartered Accountants in England & Wales.
He has wide experience in Corporate Strategy & Structure Valuation, Feasibility Studies Disinvestments, Mergers & Acquisitions.
He was associated with the Management Consultancy division of A F Ferguson for over three decades and retired in 2004 as the Senior Partner. Mr. Kshirsagar serves on the Board of other leading Indian public companies.

18. Mr. Rajiven.V.R LLB. Mr. Rajiven.V.R is an IPS officer,
Independent & Non Executive Director
Mr. Rajiven.V.R is an IPS officer,
retired in 2010 as Director General of Police & Commandant General, Fire & Rescue Services Kerala.
Presently he is the CEO of M/s KGS Nelsun Kraft Paper Manufacturing Mill (Cochin Kagaz Ltd.) at Karukutty Angamaly, a subsidiary of KGS Corporate Group Chennai.

19. Dr. Amla Samanta Independent Director Dr. Amla Samanta
was a lecturer in Saifee Hospital for MD students and also held various positions
in the field of Medicine.
Presently she is MD of Samanta Organics Pvt Ltd and Synermed Biologicals Pvt Ltd and holding
Proprietorship/directorship in various Companies.

20. Dr. Sumitha Nandan Jayasankar
Senior Executives
Dr. Sumitha Nandan Jayasankar
SVP & PA to MD&CEO and CEO-OGL
Mr. Sooraj Nandan
Senior Vice President
(Operations )

21. CGM- Finance & Accounts
Senior Executives
Mr. Kapil krishan
EVP – CFO
Ms. Bindhu A. L.
CGM- Finance & Accounts
Mr.Mohan Vazhakkatt
EVP Chief Technical Officer
Mr.Ramesh Periasamy
JGM – Company Secetary
Mr. Ramesh R
SVP Risk & Audit
M A Marshal Suresh
SVP HR
Col. P.V. Satheesan (Retd) VP HR

22. Senior Executives Mr.Naval Manoj VP Forex/ MT Mr.Sathish Kumar M
GM-Sales Head
Mr.Manohar K Nair
VP Training
Mr, Vipin G S
VP- Compliance
Mr.Raju N
SGM- FAW
Ms.Meera Haridas
GM Marketing
Mr. Prakasa Chandran V. K.
SGM - SME

23. Corporate Office and Branches
Manappuram House, Head Office: Valapad, Thrissur District,Kerala, INDIA,
Pin code:
We have nearly 17,000 Employees in our organisation

24. Branch Network –State wise
Jammu & Kashmir: 13
Himal Pradesh: 3
Chandigarh: 4
Delhi: 62
Punjab: 74
Uttarakhand: 3
Assam: 8
Haryana: 62
Rajasthan: 63
Uttar Pradesh:91
Bihar: 9
Gujarat: 108
Jharkhand: 1
Madhya Pradesh: 87
West Bengal: 79
Daman and Diu: 1
Chattisgarh: 49
Maharashtra: 190
Orissa: 69
Goa: 8
Telengana: 251
Karnataka: 568
Andhra Pradesh: 328
Kerala: 494
Pondicherry: 11
Tamil Nadu: 577
Andaman: 5
States / UT with Operations
States / UT not yet Penetrated

25. One of the largest listed players in the gold loan business with an AUM of Rs 11,430 Crores as on 31st Mar 2016.
Net Profit is Rs. 353 Crores as on 31st Mar 2016.

26. SUBSIDIARY COMPANIES Manappuram Home Finance Pvt Ltd
Manappuram Insurance Brokers Pvt Ltd
Asirvad Micro Finance Ltd

27. Our Mission
Our purpose is to bring convenience to the lives of the ordinary people of India, to "make life easy" for them. We provide them with "instant" credit at reasonable rates of interest against their used gold jewellery to enable them to meet their requirements for short term funds

28. Our Vision
Our enduring vision is to energise the vast stock of privately held gold in India. India's households own about 18,000 tons of gold, the equivalent of two thirds of the country's GDP, of which hardly 10 percent is monetised. We hope to unlock the value of this gold to the benefit of the common people of India most of whom have savings in the form of gold jewellery.

29. Our Core Values Customer is all-important
Our products aim at delivering value to the customer. No matter what his economic status is, we believe that time is precious and everyone is entitled to courtesy and prompt service with high levels of transparency.

30. Our Core Values No compromise on Integrity
We set great store by ethical values and practices in all our dealing. We believe in transparency and in following the laws of the land without ambiguity. We value the contributions of all our stakeholders and we take special pride in recognising those contributions.

31. Our Core Values Cutting edge technology
As a pioneer in the introduction of technology into the gold loan sector, we believe in constantly updating our technology to keep our costs low and deliver better service for our customers. We have standardised our processes to allow us better and more cost effective access to our customers. And we believe in fostering innovation to deliver ever greater value to our customers.

32. Brand Ambassadors

33. What is an NBFC?
NBFC means a Non-Banking Financial Institution which is a;
Asset Finance Company (AFC)
Investment Company (IC)
Loan Company  (LC)
A Company registered with the Reserve Bank of India and having a Net Owned Fund (NOF) of Rs. 200 lakhs

34. What is a Bank?
Bank is a financial institution that is licensed to deal with money and its substitutes by accepting time and demand deposits, making loans, and investing in securities.
The bank generates profits from the difference in the interest rates charged and paid.
Due to their importance in the financial system and influence on national economies, banks are highly regulated in India.

35. Difference between NBFC & Bank
NBFCs are doing functions similar to banks. NBFCs lend and make investments and hence their activities are akin to that of banks; however there are a few differences as given below:
NBFC cannot accept demand deposits;
NBFCs do not form part of the payment and settlement system and cannot issue cheques drawn on itself;
Deposit insurance facility of Deposit Insurance and Credit Guarantee Corporation is not available to depositors of NBFCs, unlike in case of banks.

36. Regulatory Bodies
Reserve Bank of India (RBI), Securities and Exchange Board of India (SEBI) and Insurance Regulatory Development Authority (IRDA)
RBI, SEBI and IRDA are three apex bodies of the Indian Financial System promoting, regulating and supervising the activities related to Banking, Securities like Shares, Debentures, Bonds etc. & Insurance products respectively.

37. Manappuram Share Price

38. Our Competitiors Muthoot Finance Ltd Muthoot Fincorp Ltd
Muthoot Mini Finance Ltd
India InfoLine
Kosamattam Finance Ltd
Chemmannur Finance Ltd
Indel Money etc.

39. Whistle Blower Policy Whistle Blower Policy
In its endeavour to provide its employee a secure and a fearless working environment, MAFIL has established the "Whistle Blower Policy".
The purpose of the policy is to create a fearless environment for the employees to report any instance of unethical behaviour, actual or suspected fraud or violation of MAFIL’s code of conduct or ethics policy 

40. Whistle Blower Policy
A Whistle Blower is a person working within an organization who reports that organization's misconduct. Note that the misconduct can be a past act, can be ongoing, or can be in the planning stages
All employees are advised to inform any such act to the Preventive Vigilance Cell. Informers will be suitably rewarded and the identity of such informers will be kept confidential.

41. Employee Speak-UP Policy
MAFIL is operating in Diverse Cultures and Business Environments across India. We expect our Staff and encourage each of them to report any situation where they have reason to suspect and believe that there has been a breach or potential breach of our Business Principles and/ or Policies which will/ may cause distress to our Company.

42. Employee Speak-UP Policy
When Working for MAFIL every employee must:
Report promptly if you have a reason to suspect that there has been a breach or a potential breach by an Individual or a Team.
Report their concerns to the Line Management or if they feel uncomfortable to do so, report their concern to one of the independent and confidential reporting channels
Provide as much Information as possible to ensure that a proper investigation can be carried out.

43. PREVENTION OF SEXUAL HARASSMENT (POSH)
Prevention Of Sexual Harassment against women in work place ACT 2012 and Internal Complaints Committee (ICC) MAFIL is an equal employment opportunity provider. MAFIL firmly believes that women have fundamental rights to (i) equality (ii) life and to live with dignity (iii) to practice any profession or to carry on any occupation, trade or business including a right to a safe environment free from sexual harassment.

44. PREVENTION OF SEXUAL HARASSMENT (POSH)
In line with the Law and Supreme Court guidelines on providing protection to women against sexual harassment at work place, a Policy applicable to all employees of MAFIL on the subject has been evolved in the Company. As part of this Policy, Management has constituted an Internal Compliance Committee (ICC) as per the provisions of the Act

45. PREVENTION OF SEXUAL HARASSMENT (POSH)
In compliance with Protection of Women against Sexual Harassment Act, 2012 and in implementation MAFIL’s Policy for Protection of women against sexual harassment, an Internal Complaints Commitee (ICC) is constituted. Any aggrieved women may make a complaint in Internal Committee.
Mail id:

46. FAIR PRACTICE CODE (FPC)
The Fair Practice Code (FPC) has been formulated by Manappuram Finance Ltd. (the Company) in response to guidelines issued by Reserve Bank of India.
The FPC will be applicable to all the offices of the Company .
The FPC shall be binding on all the employees and officers of the Company.

47. FAIR PRACTICE CODE (FPC)
Objectives of FPC
Adopt the best practices in dealings with customers.
Set challenging benchmarks and strive to achieve high operating standards for ensuring customer satisfaction.
Follow transparent, fair, ethical and legally tenable practices while conducting business.

48. FAIR PRACTICE CODE (FPC)
Objectives of FPC (contd.)
Provide all necessary information and inputs to customers / prospective customers and promote a mutually beneficial long term relationship.
Facilitate a continuously growing base of satisfied customers while scrupulously avoiding acquisition of customers having doubtful credentials or criminal background.

49. Hr aspects

50. ATTENDANCE MARKING
Employees are expected to mark their attendance in the punching machine or computer system in the morning as well as in the evening.
Along with punching, the employees should also sign in the attendance register or muster roll.

51. DRESS CODE Dress code for Men
Wear full sleeve formal Shirts & formal Trousers.
Wear socks and shoes ( Black / Brown).
Shave on daily basis.
Keep their hair neatly combed .
Men keeping beard shall groom & comb it neatly.
Dress code for women
Dress code for Women
Women shall wear Sarees or Churidars (Shorts are not permitted)
Women shall keep upper arms back, chest and legs properly covered
Women with long hair shall neatly tie up with a ribbon or a clip.

52. DRESS CODE Dress code for Women Wear Sarees or Churidars only
Keep Upper Arms, Back, Chest and Legs properly covered
Women with long hair shall neatly tie up with a ribbon or a clip.

53. (Do not use clips/ safety pin, etc.)
Identity Card
Both men and women employees are directed to wear the Identity Badges along with the tag in a visible manner during working hours.
(Do not use clips/ safety pin, etc.)

54. BUSINESS HOURS
The business hours differ form State to State. Generally three types of business hours are followed.
In Kerala State branches and Head Office, the business hours are between 8.30am and 5.30pm
Outside Kerala State Branches, both 9.30am-6.30pm and 10.00am-7.00pm are followed depending upon the locality

55. BUSINESS HOURS Late Marking
Late marking up to 10 minutes twice in a month will not be treated as leave.
Late attendance beyond 10 minutes, even once in a month, will be adjusted against eligible leave.

56. BUSINESS HOURS Late Marking (contd.)
Disciplinary action shall be initiated against employees concerned as per the approved procedure for cumulative late attendance of 12 times in a year, over and above the allowed late attendance upto 10 minutes twice in a month.

57. BUSINESS HOURS Early Going
Employees who wish to go early for any unavoidable reasons can apply in the system and leave the office only after obtaining sanction from the concerned Dept. / Branch Head. For obtaining this module the path is DOTNET> HRM > Leave > Early going

58. BUSINESS HOURS Early Going (Contd.)
Early going shall be allowed only 45 minutes prior to the close of working hours. Such employees shall also mark their early going by punching in the system. However, early going more than once in a month shall be approved by the M.D.

59. BUSINESS HOURS Early Going (Contd.)
Early going without approval will be treated as one day leave.
Sanctioned early going will be carried forward to the last month of the concerned leave year and will be clubbed with late marking of attendance.

60. BUSINESS HOURS Movement Register
It shall be kept at branches & Administrative Office, wherein the employees who are going out of the office premises during the working hours shall enter name and details and get the approval from their supervisor.
When an employee is on a branch visit in connection with official work, employee should sign the movement register of visited branch.

61. Salary and allowances

62. Salary & Allowances
Salary and Allowances Circular number 3454 dated October 7,2011 is the base for determining the salary and allowances in our Company.

63. Salary & Allowances Loss of pay:
Maximum Loss of Pay availed by employees shall not exceed 3 days per month.
If Loss of Pay exceeds 3 days per month, the number of days debited to the leave account of the particular employee will double for the days in excess of 3.

64. Salary & Allowances Fringe Benefits Provident Fund
Contributory PF where both employer and employee share the equal amount as per PF Act, 1952
ESI
All employees drawing basic salary up to Rs.15,000/ comes under the purview of this act.

65. Salary & Allowances
Bonus payable to regular employees The amount of Bonus is fixed at 20% of the annual salary subject to a maximum of Rs. 8400/- provided they were in employment throughout the year. In respect of employees who were in the service part of the year bonus will be paid proportionately subject to a minimum of Rs. 100/-

66. Salary & Allowances
Gratuity: Employees who have completed 5 years service as confirmed staff with our company, they will be eligible for gratuity .

67. Salary & Allowances Incentives:
Employees are eligible for various incentives which are declared from time to time. E.g.,
Prompt interest collection
Collateral Growth
NPA & Auction reduction
New Customer Acquisition
Lost Customer Activation
Repledge , etc.

68. Holidays & Leave rules

69. Holidays
Holidays
List of Holidays will be prepared by H.O and intimated to Branches at the beginning of the year.
National holidays viz., Republic Day, Labour Day, Independence Day and Gandhi Jayanthi Day will be holidays for our offices.

70. Leave Rules TYPES OF LEAVE
Confirmed Employees who have completed one year of continuous service are eligible for;
Casual Leave
Sick Leave and
Earned Leave
of 12 days each.
Casual, Medical or Earned Leave (Privilege leave) will be with full wages.

71. Leave Rules CASUAL LEAVE
Casual leave shall not be clubbed and availed along with any other leave.
The duration of casual leave shall not exceed three days at a time.
Casual leave can be suffixed or prefixed with Sundays or Holidays. However, the duration of leave shall not exceed 3 days at a time.
Intervening Holiday/Sunday will not be treated as part of casual leave.

72. Leave Rules MEDICAL OR SICK LEAVE
Medical leave may be clubbed and availed with any other leave but not with casual leave.
It will be treated differently basis the following conditions;
Less than or equal to 3 days
Exceeding 3 days but not more than 5 days
Exceeding 5 days

73. Leave Rules MEDICAL OR SICK LEAVE (Contd.) Exceeding 3 days
A certificate from a person not below the rank of a MBBS Doctor (Asst. Surgeon) along with prescription and medical bills has to be submitted along with the leave application on the date the employee proceeds on leave.
Exceeding 5 days
Fitness certificate shall be produced at the time of rejoining.
Intervening Holiday/Sunday will be treated as part of medical leave

74. Leave Rules EARNED LEAVE OR PRIVILEGE LEAVE
Earned leave can be clubbed and availed along with Medical or sick leave other than casual leave.
Whenever the earned leave applied for exceeds 3 days, the application shall reach the Head Office at least 7 days prior to the date of entering on leave.

75. Leave Rules EARNED LEAVE OR PRIVILEGE LEAVE (Contd.)
The maximum number of times of availing earned leave, during a year is restricted to five.
Earned leave can be accumulated for a maximum of 24 days .
Intervening Holiday/Sunday will be treated as part of Earned leave

76. Employee welfare activities

77. Employee Welfare Activities
FREE ACCOMODATION FOR EMPLOYEES. All employees working away from their home towns are given free shared single accommodation facility by the company. For accommodation details contact : , or mail to

78. Employee Welfare Activities
EMPLOYEE GRIEVANCE RESOLUTION CELL
With the objective of extending welfare services to the employees, a Welfare Cell is functioning at Head Office. The Welfare Cell aims at making your work place a home away from home. Any inconvenience affecting employees work can be communicated via
to or over phone on the number

79. Employee Welfare Activities
Employee help desk
To improve our operational efficiency and control service lapses at branch level , an Employee helpdesk is functioning at H.O under HRM-T.
This facility would assist the branch level employees to address their concerns.
Path: HRM-HRM Training –Employee Helpdesk-Submit query.

80. Employee Welfare Activities
Employee Grievance Redressal Cell (EGRC) An Employee Grievance Redressal Cell(EGRC) is functioning at H.O. Employee can register their grievance through Dotnet or via to EGRC Telephone number: Path: Others – Others -Grievance-Complaint register

81. Professional Development
Manappuram believes in empowering its employees. We endeavour that employees attain great heights through career progression by acquiring relevant skills. We regular sponsor employees for pursuing MBA/ BBA Courses while simultaneously working with the organisation.
Eligible employees who have minimum degree qualification in any stream, after evaluating them through a screening process.

82. Professional Tax
Professional tax: Tax levied Half Yearly by local administration authorities like Panchayat, Municipalities and Municipal Corporations to be paid periodically. This is applicable for both the company and the employees.

83. Escalation Matrix
Employees Escalation Matrix has been introduced to resolve various issues which will lead to smooth functioning of business as detailed below:-
All issues relating to routine functional responsibility.
Employees personal issues which are not resolved at the Regional or Supervisory level relating to salary, leave, promotion, transfer, other compensations, disciplinary issues within appropriate time.

84. Escalation Matrix
Only unresolved issues after optimum time should only be brought to the Escalation matrix.
All routine functional recommendations, approvals etc. will continue as per the existing policy without any change.
The escalation to the next level is automatic after predefined time frame which will help speedy redressal of issues.
Setting up Issue Co-ordination Cell (ICC) and present grievance department team shall be assigned the functioning of the coordination cell.

85. RESIGNATION
An employee who wishes to resign from the services of the company has to serve a one month period. This is 3 months for employees in the grade of Manager and above.
In case notice is not given by the employee, an amount equal to notice period salary will be deducted from the security deposit payable at the time of settlement.

86. JOURNALS
The Corporate Journal of Manappuram Finance Limited is ‘ Manappuram Voice’
In addition to this an in house Journal named ‘Manappuram Insight’ is also published covering the highlights and the latest developments in the Company.
Insight is published in both English and Malayalam.

87. RO & BRANCH SET-UP RM/ARM (Operations) CLUSTER HEADS RM /ARM
(Security)
RH /ARM
(Audit)
AH/AM
AM (Security)
Auditors
Branch Head
ABH
Jr.Staff
HKA

88. CORPORATE SOCIAL RESPONSIBILITY (CSR)
Besides focusing on business, MAFIL also takes its social responsibilities very seriously. The establishment of the Manappuram Foundation at Valapad in October 2009 has given concrete shape to its commitment to Corporate Social Responsibility (CSR).
The CSR policy of the company seeks to build relevance of its core business area of gold loans which has promoted inclusive growth by enabling the common man to meet his credit requirements with ease.

89. CORPORATE SOCIAL RESPONSIBILITY (CSR)
The major activities identified for CSR spend are as follows;
Promotion of healthcare.
Old age homes/ Day care facilities for senior citizens.
Promotion of education.
Empowerment of women

90. APPLICATION PORTAL

91. Application Portal
Almost all our module are operated through a software called
“ Application Portal” which is password driven
and operating under dotnet ( .net ).
Path=

92. Application Portal contd….
Employees using Application Portal first time need to reset password by using “Change Password” option.
User name –Employee ID
Old Password –software
New password
Confirm new password

93. Application Portal (contd….)
Manappuram Application Portal module selection window

94. PUNCHING MODULE

95. Punching Module
Click on this

96. Punching Steps:- Enter Employee Code & Password

97. Adjust Web Camera, Click Confirm

98. ORACLE MODULE

99. Oracle Module User login in oracle for the first time
We are having two software operating platforms namely Oracle and Dotnet. Oracle is used as HRMS package. Dotnet is used for business applications.
User login in oracle for the first time
Oracle Front Page

100. Oracle Module ( Contd ….. )
For the first time login users, the system will ask to change the password of their own as shown below;
Current password – welcome123
New password - ********
Re-enter new password.- ********
Password change page

101. CIRCULARS
The main medium of communication between the Management and employees is through Circulars which are issued from time to time.
All the employees have to comply with the rules and regulations contained in the Circulars.
Path
Application portal> Dotnet Lite >Others >> Others >>Circular>> Select Circular
Or Manappuram Application portal > Circulars New.

102. ONLINE LIBRARY & EXAMINATION
ONLINE LIBRARY consists of MANUALS, JOB CARDS and Training Materials
Path- Application portal > Online Examination and online library> online library > library
ONLINE EXAMINATION helps the employees to take up Assessments which is announced from time to time
Path- Application portal > Online Examination and online library> online examination> online examination.

103. LEARNING MANAGEMENT SYSTEM (LMS)
To promote learning on the job, MAFIL offers various courses through e-learning mode.
Open the Site-
Log in (with supplied user ID and pass word)
Select assigned lesson and complete.

104. Our Website Our Website can be accessed using the link

105. Our Mobile Apps
Our Mobile Apps can be downloaded and installed using google play store in Android / smart phones.

106. BRANCH SAFETY AND SECURITY ASPECTS
NBFCs face a bigger Security challenge because;
Availability of Large Quantity of Gold
Lesser No of Employees Compared with Banks
Vaults not as Strong as Banks

107. MAIN SECURITY CONCERNS
Robbery
Thefts
Pledging of Spurious Gold
Pledging of Stolen Gold
Fraud & Cheating by Employees
Cyber Crimes

108. How do we Secure Our Premises
Security Guards
Collapsible Grill Gate
Security Installations at Branches
Panic Siren & Burglar Alarm Switches
Cameras and
Customer Entry Registers

109. How do we Secure Our Premises
Security Guards

110. How do we Secure Our Premises
Collapsible Grill Gate
Collapsible gate to prevent easy entry and exit of visitors .
For day time robbery threats, we keep the grill gates locked and open only to genuine customers after verification of KYC .
The customers are our guest and they will be received at the gate by the Branch Head, when they press the calling bell kept outside the branch.

111. How do we Secure Our Premises
Collapsible Grill Gate (Contd.)
Only one customer per Pledge will be allowed to enter at a time and two in case of family, and it shall be strictly adhered to.
A locked chain at a height of 1.5 metres and with a maximum gap of 45 cms is also provided for the entry of only one customer at a time.

112. BRANCH SAFETY AND SECURITY ASPECTS
Security Installations at Branches
Panic Alarm with Three Switches
Burglar Alarms with Three Switches
Entrance and Safe Room IP Camera with 45 Days Centralised Recording
Central Area and Front Outside IP Camera With 10 Days Local Recording and one Month Recording

113. BRANCH SAFETY AND SECURITY ASPECTS
Security Installations at Branches (Contd.)
Shutter Metallic Sensor
Passive Infra Red Sensor in Front of Safe-room
Magenetic Sensor on Safe Door
Vibration Sensor to the Walls of Safe Room
Strong Room/345-2kk BB Class Fire And Burglar Resistant Safes To Keep Gold, Cash And Other Valuables

114. BRANCH SAFETY AND SECURITY ASPECTS
Security Installations at Branches (Contd.)
Fire Extinguisher (Abc Type)
Locked Collapsible Gate which opens only for Genuine Customers.
Monitored Emergency Response Team (ERT) functions from Hrs To Next day Hrs to attend alerts from the branches.

115. BRANCH SAFETY AND SECURITY ASPECTS
Panic Siren & Burglar Alarm Switches
Two switches with the Cashier
Two switches at gold appraisal area
Two switches in the BH cabin
If we press the burglar alarm switch, the inside and outside sirens blew, generates instantaneous alert at HO control room as well as auto call and sms to field formations.

116. BRANCH SAFETY AND SECURITY ASPECTS
Panic Siren & Burglar Alarm Switches (Contd.)
There are two types of burglar alarm switch.
Red type in some branches, that needs to be pressed only.
Another one is key type switch. After pressing the alarm we need to rotate the key to right direction to set back the switch.

117. BRANCH SAFETY AND SECURITY ASPECTS
Cameras :
There are Four cameras are installed;
Entrance camera
Safe room camera
Centre area camera
Front outside camera
All the 3300 branches Pan India are observed through high resolution IP cameras and 24x7 control room

118. BRANCH SAFETY AND SECURITY ASPECTS
Customer Entry Register
Customer shall be allowed to enter the office only after the verification of the KYC is done by the Security Guard who sits outside the door (one at a time and two in the case of family)

119. BRANCH SAFETY AND SECURITY ASPECTS
The branch shall ensure that;
All security systems installed in branches are in good working condition.
Constant vigil is maintained to find out the intention of the people coming to the branch by their body language and other factors.
Sincere effort are made to sound the alarm in case of emergency.

120. BRANCH SAFETY AND SECURITY ASPECTS
In the case of existing customers the following procedures should be followed;
In the absence of KYC documents entry shall be permitted after verifying the pawn ticket of the live account.
In case live pawn ticket is missing and the customer does not have a live account, branches shall maintain a customer entry register as per format vide circular No.6056 at the entrance of the branch for recording customer’s details before permitting entry inside the branch.

121. Duties and Responsibilities of HKAs
To mop and clean the entire premises on a daily basis so as to make it clean, neat and tidy. Every morning all the cleaning process should be completed before starting the business hours.
Clean the cabins, wash basins, steps/staircases and toilets on a daily basis.
Wipe all Computers and other machines with dry cloth every morning.
Clean the fans, lights, windows once in a week. Wash the window curtains at least once in a month.
Receive customers with ‘namaste’ and make necessary arrangements like chairs, pledge forms, pen, etc. for them. Give them drinking water as per their demand.
File the circulars and the necessary reports on a daily basis.
Assist BH/ABH for the official attender functions.
Fix and remove direction board when necessary.
Update the Notice Board on a daily basis.
Cleaning of appraisal tools, security equipments
Maintaining UPS
Basic operations of computer
Checking functioning of lock and keys
Attending marketing activities.
Work as per the Company’s Policies and Procedures at all times.
Undertake other duties that may be required in line with this level of post.

122. Training On Good House keeping

123. General Policies of House Keeping
Clearing up
Remove what is not needed and keep what is needed
Organizing
Place things in such a way that they can be easily reached whenever they are needed
Cleaning
Keep things clean and polished: no trash or dirt in the workplace.

124. General Policies of House Keeping
Standardizing : Maintain cleanliness after cleaning – perpetual cleaning

125. Duties and Responsibilities of HKA
Ensure to come before 30 minutes of the branch opening every morning
Sweep the office promises neatly with broom and clear the dustbins every day

126. Clean the counters and BM/BH Cabins
Wipe the floor with water and cleaning products neatly before opening the branch.
126

127. Clean the staircase /steps and courtyard on daily basis
Fix and remove direction board when necessary
Update notice board daily basis

128. Wipe all Computers and other machines with dry cloth every morning
Ensure that the Office entrance is neat and clean before opening.
Clean the bathroom with acids
or other liquids / lotions

129. Clean the tables Clean all counters Arrange Drinking water for Customers and staff members Ensure proper air circulation in branch by keeping open the Windows and Doors

130. Clean the Windows, Shutters and Door Clean the strong room/safe room in the presence of both custodians Clean the fan and chairs Remove unwanted stickers and posters

131. Need to carry cash (below 5 lakh )for cash transfer from bank/branch as per instruction of BM/BH Ensure the safety of the bag used for carrying cash. Do not wear ID card at the time of cash transfer File the circulars, daily reports etc., in respective files regularly

132. Keep the files and registers in the racks, neat and clean
Filing (of DPN, KYC etc) to be done on daily basis as per instruction of BM/BH/ABH
Arrange pawn tickets
File the returned AD cards
Collect letters from post office

133. Switch off the fans and lights at the time of closing the branch Switch on the sign board at the time of leaving the office Update the notice board

134. Attend to the customer with a Smiling face
Greet the customer (tell “Good Morning Sir/Madam to Manappuram”)
Distribute Notice

135. Better relationship among employees
Arrange water to customers and refreshment if any to the branch employees especially to BM/BH/ABH

136. Arrange chairs to customers and help to customers
Carry out all activities related to dispatch of mails like going to post office/courier office etc
Office files are to be placed in an orderly manner in racks so that they can be easily traced when requested by BM/BH/ABH etc.
Daily Reports to be filed on a daily basis

137. Ensure that the office premises are kept neat and clean at all times
Arrange to purchase stationary items /others items for official use as per instructions from BM/BH/ABH

138. Keep the weighing Balance in GL cabin
Keep the bottles of Acid, Salt water at GL counter periodically
Inform leave related matter to BM/BH/ABH while taking leave.
Check the surroundings of office regularly

139. Don’ts Don’t share your password Don’t access business modules
Don’t mark attendance for other staff members

140. Qualities of housekeeping staff

141. Behavioral Traits Respect Senior officials and Customers.
Wish the customer and officials
(Good Morning, Good Afternoon etc)
Obey the orders of officials
Call ‘Sir’ or ‘Madam’
Attend to all customers and direct them towards the counter according to their needs.
Speak politely and respectfully.

142. Ensure clean hair and manicured fingernails.
Ensure that there is no body /mouth odour.
Report to doctor in case of infections, cuts or bruises.
Wear official ID card during the office hours .
Co-operate with other departments while sharing duties and providing services

143. Grooming Clean and tidy traditional dress, light make up
No Jewelry except for small tops and wedding ring
Hair tied in a bun or kept short.

144. Any other duties assigned by BH/BM/AM/CH/RM/HO

145. If you don’t like your job,
Just be glad that……….

146. You are not an Electrician in China

147. ….or a Plumber in Hungary

148. ..or a delivery service employee in China

149. …or a Zoo keeper in America

150. Or a Ditch Digger in Poland

151. Or what is really a unpleasant job… …… a mobile toilet

152. Just be thankful for your job! Others are still more unpleasant…….
And now hurry back to your job.