key information cover - mutual fund analysis | mutual fund

This Key Information Memorandum (KIM) sets forth the information, which a prospective investor ought to know before investing. For further details of the scheme/mutual fund, due diligence certificate by the AMC, key personnel, investors' rights & services, risk factors, penalties & pending litigation, associate transactions etc. investor should, before investment, refer to the Scheme Information Document and Statement of Additional Information available free of cost at any of the Investor Service Centres or distributors or from the website www.licmutual.com.

The scheme particulars have been prepared in accordance with Securities and Exchange Board of India (Mutual Funds) Regulations 1996, as amended till date, and filed with Securities and Exchange Board of India (SEBI). The units being offered for public subscription have not been approved or disapproved by SEBI nor has SEBI certified the accuracy or adequacy of this KIM.

Tel.: 022 –22812038, Fax: 022 – 22040039/22880633Email: [email protected], Website: www.licmutual.com

YB

YBFINAL-09

• AREA OFFICES •

• BUSINESS CENTRES •

• KARVY CENTRES •

REGISTRARS

M/s. Karvy Computershare Pvt. Ltd.Unit : LIC Mutual Fund

Karvy Plaza, House No. 8-2-596,Avenue 4, Street No. 1, Banjara Hills,

Hyderabad - 500 034.Tel.: 23312454/ 44338155

Fax : 23388705

• AHMEDABAD 079-26588301 / 65431989 ; 9375090006 / 9924403147 • BANGALORE 080-22210180 / 22295598 ; 9845172957 / 9972092957 / 9986500721 • BHUBANESHWAR 0674-2390694 ; 9438132162/9438081037 / 9438526420 • CHENNAI 044-28411984 / 28555883 ; 9382315850 / 9940286305 / 9962526278 / 9940178266 • DEHRADUN 0135 - 2668347 ; 9410702598 / 9412039057 / 9410702598 •ERNAKULAM 0484-2367643 ; 9895036554 / 9745612888 / 9946710555 • GOA 0832-2420561 ; 9421151400 / 9890711551 / 9370643076 / 9673682722 • GUWAHATI 0361 - 2735323 ; 9435040478 / 9707021706• HYDERABAD 040-23244445 / 23210572 ; 9392471583 / 9000444850 / 9000550850 • INDORE 0731-2520262 / 4069162 ; 9753242050 / 9425870126 / 9981511435 • JAIPUR 0141-5112620 ; 9460873120/ 9829098323 / 9929095005 • KANPUR 0512-2360240 / 3244949 ; 9839923499 / 9984006600 / 9838038440 / 9918971258 / 9889085736 • KOLKATA 033-22129455 / 65290605 ; 9432128113 / 9830689965/ 9836072229 / 9831983005 / 9474424374 / 9339531895 / 9231407611 • LUCKNOW 0522-2231186 ; 9415060134 / 9450661015 / 9453016072 / 9005056048 • LUDHIANA 0161 - 2405805 / 2405806 ; 9814703558/ 9888320209 / 9872106060 • MADURAI 0452 - 2535105 ; 9442109039 / 9655505105 • MANGALORE 0824 - 2411482 ; 9845190466 / 9980950466 • MUMBAI - I 022-22885971 / 22851659 ; 9324543832 /9320012110 / 9930822601 / 9892550455 / 9930957772 / 9870775600 • MUMBAI - II 022-22851660 ; 9820002994 / 9967655060 / 9371617717 / 9619575895 • NAGPUR 0712 - 2542497 ; 9422113800 / 9975724030/ 9922402272 • NASHIK 0253-2579507 ; 9922996155 / 9823366379 • NEW DELHI 011-23359190/23314396 ; 9716481681 / 9818610867 / 9818630124 / 9811108744 / 9818191263 / 9891736008 / 9871814850• PATNA 0612-2501157/6452757 ; 9470610695 / 9431023274 / 9431037251 / 9234600411 • PUNE 020 - 25537301 ; 9822474487 / 9325523480 / 9767868611 • RAIPUR 0771-2236780/4051137 ; 9329731077/ 9329100009 / 9407646661 • RANCHI 0651-2206372 ; 9470524099 / 9334768543

• AGARTALA : 9856027836 • AHMEDNAGAR : 9422238925 • ALLAHABAD : 9336928397 • ALWAR : 9001059659 • AGRA : 9927888854 • ALAPUZHA :9447367160 • AMRITSAR : 9814299747 • AJMER : 9829077674 • AMRAVATI : 9923797207 • ANANTPUR : 9000444852 • AURANGABAD : 9422728151 •BALAGHAT : 9302185901 • BALASORE : 9438020115 • BANKURA : 9378330300 • BEGUSARAI : 9905816354 • BERHAMPORE : 9861546580 • BELGAUM: 9845205168 • BELLARY : 9980830179 • BHAVNAGAR : 9825412482 • BILASPUR : 9303354453 / 9301982280 • BHILAI : 9303808855 / 9301701133• BHOPAL : 9302441980 • BHAGALPUR : 9431609765 • BHILWARA : 9829287273 • BIKANER : 9829791132 • BOKARO : 9955189443 • BURDWAN: 9831712244 • CALICUT : 9961036375 / 9349739890 • CHANDIGARH : 9316065681 • CHANDRAPUR : 9372941955 • COIMBATORE : 9282216891 •DALTONGANJ : 9162780200 • DEOGHAR : 9430155378 • DHANBAD : 9835334495 • FARIDABAD : 9871814850 • GORAKHPUR : 9336833448 •GULBARGA : 9900144196 • GAYA : 9334118071 • GWALIOR : 9406586454 • HAZARIBAG : 9835197681 / 9199107292 • HASSAN : 9986125091 •HOSHIARPUR : 9988102107 • HUBLI : 9880058223 • JABALPUR : 9407606313 • JAGDALPUR : 9303354452 • JALANDHAR : 9779966466 • JALGAON: 9921515829 • JAMMU : 9419213201 • JAMSHEDPUR : 9234620669 • JHANSI : 9760016559 • JODHPUR : 9829947974 • KANNUR : 9846113249 •KARIMNAGAR : 9000444853 • KHARAGPUR : 9830759959 • KHARWAR : 9535484475 • KOTTAYAM : 9349374220 • KOTA : 9829905879 • KOLHAPUR: 9822851948 • MADIKERI : 9886028217 • MALDA : 9836237434 / 9851955023 • MEERUT : 9319267811 • MYSORE : 9986117183 • MUZAFFARPUR :9431813155 • NANDED : 9822203503 • NELLORE : 9000444854 • PANIPAT : 9996006023 • PATIALA : 9888710200 • PONDICHERRY : 9443337411 •PURNEA : 9939491090 • RAIGARH : 9302784008 • RAJAHMUNDRY : 9000171857 • RAJKOT : 9898733233 • SAMBALPUR : 9937040031 • SALEM :9944744424 • SATARA : 9321452045 • SATNA : 9926364561 • SHADOL : 9907666416 • SHILLONG : 9864152899 • SHIMLA : 9816687581 • SHIMOGA: 9902007686 • SILCHAR : 9401349110 • SURAT : 9978862626 9925027406 • SILIGURI : 9832010008 • THANE : 9320180806 • THIRUVELVELI :9994321100 • THIRUVANANTHAPURAM : 9388088066 • THRISSUR : 9388110220 • TRICHY : 9842524130 • TRIVANDRUM : 9388088066 • UDAIPUR: 9784011432 • UDUPI : 9611111028 • VADODARA : 9327494916 • VARANASI : 9336501004 • VELLORE : 9791262600 • VISHAKHAPATNAM : 9000444851• VIJAYWADA : 9000444856 • WARANGAL : 9000171858

• Agra : 0562-2526663, 0562-3247227 • Ahmedabad : 079-26400527, 079-26402967 • Ajmer : 0145-5120725 • Allahabad : 0532-2260291, 0532- 2260292, 0532- 3294280 • Alleppy : NA • Alwar : NA • Amaravathi : NA • Ambala : 0171-2640669 • Amritsar : NA• Anand : 02692 - 248980, 02692 - 248873 • Aurangabad : 0240-2363524, 0240-2363523 • Balasore : 06782-265492, 06782-329233, 06782-265496 • Bangalore : 080 - 25320085 • Bankura : NA • Bareilly : NA • Baroda : NA • Belgaum : 0831-2402722, 0831-2402880 • Bellary : 08392 - 254531 • Behrampur (OR) : 0680-2202833, 0680-2202810, 0680-3205010 • Bhagalpur : NA • Bhatinda: NA • Bhavnagar : 0278 - 2567005/6, 9328271955 • Bhilai : 0788-2295329 / 32 • Bhilwara : NA • Bhopal : 0755-4092708 •Bhubaneswar : 0674-2547531, 0674-2547532 • Bikaner : NA • Bilaspur : NA • Bokaro : NA • Burdwan : 0342-2550840/2550801• Calicut : 0495-2742105, 0495-2742107 • Chandigarh : 0172-5071726, 0172-5071727, 0172-5071728 • Chandrapur : NA •Chennai : 044-42028513, 044-28587781, 044 -42028858(Exclusive for DWS) • Cochin : 0484-4027672 • Coimbatore : NA •Cuttack : 0671-2613905 • Dehradun : NA • Dhanbad : 0326-2301045 • Dharwad : 0836-2744207 • Dindigul : 0451 - 2436077, 0451- 2436147 • Erode : 0424 2225615, 2225616, 0424 - 2225617 • Gaya : 0631-2220064, 0631-2220071 • Ghaziabad : 0120 - 2701891,0120 - 2701886 • Gorakhpur : 0551-3097816, 0551 - 3297817, 0551 - 3297816 • Gulbarga : 08472-261810 0863-2326686, •Gurgaon : 0124-3243535, 0124-4086419 • Guwahati : 0361-2608016 • Gwalior : 0751-4069001/2/3/4 • Haldwani : 05946-282635,05946-284523, 05946-324761 • Hassan : 08172-262065 • Hazaribagh : NA • Hoshiarpur : NA • Hubli : 0836-2232444 • Hyderabad: NA • Indore : • Jabalpur : NA • Jaipur : 0141-2375039, 0141-2363321, 0141-2375039 • Jalandhar : 0181-4634401, 0181-4634415,0181-4634412 • Jalgaon : 0257 - 2227432 • Jalpaiguri : NA • Jammu : • Jamnagar : NA • Jamshedpur : 0657- 2487045/2487020• Jhansi : 0510 - 3200668, 0510 - 2333684, 0510 - 2440141, 0510 - 2440142 • Jodhpur : NA • Kannur : 0497 - 2761120, 0497 -2761130 • Kanpur : NA • Kharagpur : 03222-242507 • Kolhapur : NA • Kolkata : 033-24659263, 033-24659267 • Kollam : 0474 -2768337 • Kota : 0744-2365144, 0744-2365146 • Kottayam : 0481 - 2302420, 0481 - 2302421 • Korba : NA • Lucknow : 0522-2236819, 0522-2236820 / 28 • Ludhiana : 0161-4680000 • Malda : 03512-221342, 03512-223153 • Madurai : 0452-2600852 / 865,0452 - 2600854, 0452 - 2600851, 0452 - 2600855 • Mangalore : NA • Meerut : NA • Moradabad : 0591 - 2310470 • Mumbai : NA• Muzaffarpur : 0621-3204090 • Mysore : 0821-2441524, 0821-2441520 • Nagpur : 0712- 6618583 • Namakkal : 04286- 234801,234802, 234803 • Nanded : balaji - 09158555587, ravi - 09403000145 • Nasik : NA • New Delhi : NA • Palghat : 0491 2547373 •Panipat : 0180-2644308, 0180-4005056, 0180-3296760 • Panjim : 0832 - 2426874 • Patiala : 0175-5051728, 0175-5051726, 0175-5051727 • Patna : 0612-2321354, 0612-2321356 • Pondicherry : 0413 2220640 & 0413 4210640 • Pune : 020 25539957 • Raipur: • Rajkot : NA • Ranchi : 0651-2330394, 0651-2330386 • Rourkela : 0661-25107771, 0661-25107772 • Salem : 0427-2210835,2210983,0427-2210836 • Sambalpur : 0663-2522106, 0663-2230195, 0663-3291038 • Shimla : 0177 - 3299222 • Shimoga : 08182-227485• Siliguri : ‘0353-2526399 • Surat : 0261-3042170 • Thodupuzha : 04862 - 325051 • Tirunelveli : 0462-2335135 - 38, 0462-2335194• Tiruvalla : NA • Trichur : 0487 - 3246239, 0487 - 2322483 • Trichy : 0431-2793799 • Trivandrum : 0471 - 2725990, 0471 - 2725989,0471 - 2725991 • Udaipur : 0294-5101601, 0294-5101602, 0294-5101603 • Valsad : 02632-326902 • Varanasi : NA, 0542-2227259,0542-3206494 • Vellore : 0416 2215007, 0416 22150009 • Vijayawada : 0866-2495200, 0866-2495400 • Visakhapatnam : 0891-2752916, 0891-2752915, 0891-2752918 • Warangal : NA

Investment objective: The primary investment objective of the scheme is togenerate an attractive returns for its investors by investingin a portfolio of quality debt securities and Money MarketInstruments.

Asset Allocation pattern Type of Instruments Normal Allocationof the Scheme: (% of net assets)

Debt 60- 100

Money Market 0-40

Note: Debt includes securitized debt & government securities

Plan and Option 1. Dividend

2. Growth

Minimum application Plan/ Fresh Additional RepurchaseAmount/ Number of Units: Option Purchase Purchase

Dividend 5000 500 Not Applicable

Growth 5000 500 Not Applicable

Benchmark Index: C CompBex

Fund Manager Mr. Ashish Kumar

Performance of the scheme Compounded Scheme Benchmark(as on 30.06.2009) Annualized returns Returns (%) Returns (%)

Last 1 year 14.14 11.05

Last 3 year 9.12 6.85

Since Inception 9.38 6.10

Expenses of the Scheme:

Load Structure: Entry Load: Nil

Exit Load:1% if exit within 1 yr for investment <= 1 CrNil for investment >1 Cr

Recurring Expenses: First Rs. 100 Crore 2.25%

Next Rs. 300 Crore 2.00%


Balance 1.50%

Actual expenses of the previous Financial year 1.30

Daily NAV Publication: The NAV will be declared on all business days and will bepublished in 2 news papers. NAV can also be viewed onwww.licmutual.com and www.amfindia.com

Unitholders’ Information: Accounts statement (on each transaction), Annual financialresults, and Half yearly portfolio disclosures shall beprovided to investors by post.

Risk Profile: Mutual fund investments are subject to market risks. Pleaseread the scheme information document carefully for detailson risk factors.

Investment objective: The primary investment objective of the scheme is togenerate credit risk free and reasonable returns for itsinvestors through investments in sovereign securities issuedby the Central and/or State Government and/or any securityunconditionally guaranteed by the Central/State Governmentfor repayment of Principal and interest and/or reverse reposin such securities as and when permitted by RBI.


G-Sec Upto 100

Debt/MM Upto 40

Note: Debt includes securitized debt.

Plan and Option Plan: Option:

1. Regular Plan Dividend

2. PF plan Growth




Benchmark Index I-Sec Composite Gift



Last 1 year 10.30 18.41

Last 3 year 6.48 10.13




Exit Load: 1% if exit within 1 yr for investment <= 1 CrNil for investment > 1 Cr




Balance 1.50%

Actual expenses of the previous financial year. 1.42%

Daily NAV Publications: The NAV will be declared on all business days and will bepublished in 2 news papers. NAV can also be viewed onwww.licmutual.com and www.amfiindia.com

Unit holders’ information: Account statement (on each transaction), Annual Financialresults, and Half yearly portfolio disclosure shall be providedto investor by post.

Risk Profile Mutual fund investments are subject to market risks. Pleaseread the Scheme Information carefully for details on riskfactor.

2. LICMF G – Sec Fund1. LICMF Bond Fund

LICMF Bond Fund

0.00

2.00

4.00

6.00

8.00

10.00

12.00

14.00

16.00

Last 1 year Last 3 year Since Inception

Ret

urn

(%

)

Scheme returns (%)

Benchmark returns (%)

LICMF G - Sec Fund

0.00

2.00

4.006.00

8.0010.00

12.0014.0016.0018.00

20.00

Last 1 year Last 3 year Since Inception

Ret

urn

s (%

)

Scheme returns (%)


Investment objective: The investment objective of the LICMF Children’s Fund isto provide for long term growth of capital through a judiciousmix of investments in quality debt securities and equitieswith relatively low levels of risk.


Debt/Money Market Up to 100

Equity Up to - 70


Plan and Option Growth



Benchmark Index: C Balance Ex



Last 1 year -9.17 12.72

Last 3 year -9.35 11.41




Exit Load:1% if exit within 3 yrs for investment <= 1 CrNil for investment > 1 Cr




Balance 1.50%

Actual expenses of the previous financial year 2.36%

Daily NAV Publication: The NAV will be declared on all business days and will bepublished in 2 news papers. NAV can also be viewed onwww.licmutual.com and www.amfiindia.com



3. LICMF Children’s Fund 4. LICMF Liquid Fund

Investment objective: Investment objective of the scheme is to generatereasonable returns with low risk and high liquidity throughjudicious mix of investment in money market instrumentsand quality debt instruments.


Money Market 60-100

Debt 0 - 40

Note: Debt includes securitized debt & governmentsecurities.


2. Growth




Benchmark Index C-Fund - LX



Last 1 year 8.42 8.41

Last 3 year 8.19 7.49




Exit Load: Nil

Recurring Expenses: First Rs. 100 Crore 2.25 %



Balance 1.50%


Daily NAV Publication: The NAV will be declared on all days. The NAV of weekdays will be published in 2 news papers. NAV can also beviewed on www.licmutual.com and www.amfiindia.com


Risk Profile Mutual fund investments are subject to market risks. Pleaseread the scheme information document carefully for detailson risk factor.

LICMF Liquid Fund

0.001.002.003.004.005.006.007.008.009.00

Last 1 year Last 3 years SinceInception

Ret

urn

s (%

)

Scheme returns (%)


LICMF Children's Fund

-15.00

-10.00

-5.00

0.00

5.00

10.00

15.00

20.00

Last 1 year Last 3 year SinceInception

Ret

urn

s (%

)

Scheme returns (%)


Investment objective: The investment objective of the scheme is to generateincome by investing in a quality short term debt securities.There can be no assurance that the investment objective ofthe scheme will be realized.


Debt/MM Up to 100



2. Growth




Benchmark Index: C Fund Lx



Last 1 year 7.84 8.41

Last 3 year 6.93 7.49




Exit Load: NIL




Balance 1.50%

Actual expenses of the previous financial year: 0.60%

Daily NAV Publication: The NAV will be declared on all business days and will bepublished in 2 news papers. NAV can also be viewed onwww. licmutual.com and www.amfindia.com



5. LICMF Savings Plus Fund

Investment objective: The investment objective of the scheme is to generateconsistent return by investing mainly in floating rateinstruments/fixed rate instruments swapped for floating ratereturn so as to minimize the interest rate risk for the investor.


Floating rate or fixed rate 65 to 100%instruments swapped forfloating rate debt.

Fixed rate debt or money 0 to 35%market instruments suchas Corporate Bonds, Gilt,CP, CD, Call Money marketor any other instrumentsas permitted by SEBIfrom time to Time.



2. Growth




Benchmark Index C Fund - LX



Last 1 year 8.90 8.41

Last 3 year 8.75 7.49




Exit Load: Nil

Recurring Expenses: First Rs.100 Crore 2.25%



Balance 1.50%


Daily NAV Publication: The NAV will be declared on all business days and will bepublished in 2 news papers. NAV can also be viewed onwww. licmutual.com and www.amfindia.com



6. LICMF Floating Rate Fund - Short Term Plan

LICMF Savings Plus Fund

0.001.002.003.004.005.006.007.008.009.00


Ret

urn

s (%

)

Scheme returns (%)

Benchmark returns (%)LICMF Floating Rate Fund

0.001.002.003.004.005.006.007.008.009.00

10.00

Last 1 year Last 3 years SinceInception

Ret

urn

s (%

)

Scheme returns (%)


Investment objective: The investment objective of the scheme is to generateregular returns by investing mainly in a portfolio of qualityDebt securities and money market instruments. The schemealso seeks to generate capital appreciation by investingsome percentage in a mix of equity instruments. There canbe no assurance that the investment objective of the Schemewill be realized.


Debt/MM Up to 100

Equity Up to 15

Note: Debt includes securitized debt

Plan and Option Dividend Growth

1. Monthly Dividend

2. Quarterly Dividend

3. Yearly Dividend


Monthly Dividend 5000 1 Not ApplicableQuarterly Dividend 5000 1 Not ApplicableYearly Dividend 5000 1 Not ApplicableGrowth 5000 1 Not Applicable

Benchmark Index: C MiPex

Fund Manager Mrs. Bichitra Mahapatra


Last 1 year 10.22 12.31

Last 3 year 9.42 8.46




Exit Load: 1% if exit within 15 months for investment < 1 CrNil for investment > =1 Cr




Balance 1.50%





7. LICMF Monthly Income Plan

Investment objective: The main investment objective of the scheme is to providecapital growth by investing mainly in equities. Theinvestment portfolio of the scheme will be constantlymonitored and reviewed to optimise capital growth.


Equity Upto 100

Debt/Money market Upto 20



2. Growth




Benchmark Index BSE Sensex

Fund Manager Mr. S. Ramasamy


Last 1 year 13.33 7.67

Last 3 year 9.86 10.95

Last 5 year 16.07 24.74








Balance 1.75%




Risk Profile Mutual fund investments are subject to market risks. Pleaseread the Scheme Informstion carefully for details on riskfactor.

8. LICMF Equity Fund

LICMF Monthly Income Plan

0.00

2.00

4.00

6.00

8.00

10.00

12.00

14.00


Ret

urn

s (%

)

Scheme returns (%)


LICMF Equity Fund

0.00

5.00

10.00

15.00

20.00

25.00

30.00

Last 1 year Last 3 year Last 5 year SinceInception

Ret

urn

s (%

)

Scheme returns (%)


Investment objective: The main investment objective of the scheme is to providecapital growth by investing mainly in equities and also indebt and other permitted instruments of capital and moneymarkets. The investment portfolio of the scheme will beconstantly monitored and reviewed to optimise capitalgrowth.


Equity Upto 100

Debt/MM Upto 20



2. Growth


Dividend 2000 Re.1/- Not Applicable

Growth 2000 Re. 1/- Not Applicable

Benchmark Index: BSE Sensex

Fund Manager: Mr. S. Ramasamy


Last 1 year 21.56 7.67

Last 3 year 9.40 10.95

Last 5 year 19.88 24.74








Balance 1.75%

Actual Expenses of the previous financial year : 0.19%



Risk Factors. Mutual fund investments are subject to market risks. Pleaseread the scheme information document carefully for detailson risk factor.

9. LICMF Growth Fund

Investment objective: The investment objective of the scheme is to generateregular income by investing mainly in floating rateinstruments /fixed rate instruments swapped for floating ratereturn so as to minimize the interest rate risk and at the sametime aiming at generating capital appreciation in a long terminvesting in equity /equity related instruments.

Asset Allocation pattern Type of Instruments Normalof the Scheme: Allocation

(% of net assets)

Floating rate or fixed rate instruments 65-100swapped for floating rate debt or moneymarket instruments such as CorporateBonds, Gilt , CP, CD, Call Money or anyother instrument as permitted by SEBIfrom time to time.

Fixed rate debt or money market 0-35instruments such as Corporate Bonds,Gift, CP CD, Call Money Market or anyother instruments as permitted by SEBIfrom time to time.

Equity and equity related instruments 0-20


Plan and Option: Options: Dividend Frequency:

1. Dividend 1. Monthly Dividend

2. Growth 2. Quarterly Dividend

3. Yearly Dividend

Minimum application Option Fresh Additional RepurchaseAmount/ Number of Units: Purchase Purchase

Monthly Dividend 5000 1 NotApplicable

Quarterly dividend 5000 1 NotApplicable

Yearly Dividend 5000 1 NotApplicable

Growth 5000 1 NotApplicable

Benchmark Index: C MiPex



Last 1 year 11.94 12.31

Last 3 year 10.97 8.46




Exit Load: 1% if exit within 15 months for investment < 1 CrNil for investment >= 1 Cr




Balance 1.50%




Risk Profile Mutual fund investments are subject to market risks. Pleaseread the Scheme Information carefully for details on riskfactor.

10. LICMF Floater MIP

LICMF Growth Fund

0.00

5.00

10.00

15.00

20.00

25.00

30.00

Last 1year

Last 3year

Last 5year

SinceInception

Ret

urn

s (%

)

Scheme returns (%)


LIC MF Floater MIP

0.00

2.00

4.00

6.00

8.00

10.00

12.00

14.00


Ret

urn

s (%

)

Scheme returns (%)


Investment objective: An open ended Income and Growth scheme which seeks toprovide regular returns and capital appreciation accordinglyto the selection of plan by investing un Debt and Equityinstruments.


Equity/Equity Related 65-80

Debt*/Money Market 20-35



2. Growth




Benchmark Index: C BalanceEx



Last 1 year 7.07 12.72

Last 3 year 8.50 11.41

Last 5 year 16.55 17.01








Balance 1.75%

Actual expenses of the previous financial year:2.17%




11. LICMF Balanced Fund

Investment objective: Investment objective of the scheme is to provide capitalgrowth along with tax rebate and tax relief to our investorsthrough prudent investments in the stock markets.


Equity Upto 100

Debt/Money market Upto 20



2. Growth




Benchmark Index BSE Sensex

Fund Manager Mr. S. Ramasamy


Last 1 year 8.92 7.67

Last 3 year 3.75 10.95

Last 5 year 12.66 24.74




Exit Load: Nil




Balance 1.75%

Actual expenses of the previous financial year : 1.59%



Risk Profile Mutual fund investments are subject to market risks. Pleaseread the Scheme Information carefully for details on riskfactors.

12. LICMF Tax Plan

LICMF Balanced Fund

0.002.004.006.008.00

10.0012.0014.0016.0018.00


Ret

urn

s (%

)

Scheme returns (%)


LICMF Tax Plan

0.00

5.00

10.00

15.00

20.00

25.00

30.00


Ret

urn

s (%

)

Scheme returns (%)


Investment objective: The scheme seeks to generate long term capital appreciationand offer tax benefits u/s 80C of the Income Tax Act as wellas additional benefits of a life cover and free accidentinsurance cover.


Debt*/Money Market 20-35

Equity/Equity Related 65-80


Plan and Option Plan Dividend Reinvestment

Option Single Contribution – 5 year term

Single Contribution – 10 year term

Regular Contribution – 10 year term

Regular Contribution – 15 year term

Minimum application Option Target Additional RepurchaseAmount/ Number of Units: Amount Purchase

Single Contribution- 10000 Not Not5 year term Applicable Applicable

Single Contribution- Not Not10 year term 10000 Applicable Applicable

Regular Contribution Not Not-10 year term 10000 Applicable Applicable

Regular Contribution Not Not-15 year term 15000 Applicable Applicable

Benchmark Index: C Balance Ex



Last 1 year 7.34 12.72

Last 3 year 7.46 11.41

Last 5 year 14.61 17.01




Exit Load: Nil




Balance 1.75%

Actual expenses of the previous financial year:2.50%



Risk Profile Mutual fund investments are subject to market risks. Pleaseread the Scheme Information carefully for details on riskfactors.

13. LICMF ULIS

WORKING OF SCHEME :

Under the scheme investor has a choice to participate under Regular Premium Option or SinglePremium Option for an aggregate amount called “ Target Amount”

The scheme offers two options for life insurance cover viz., Uniform Cover & Reducing Cover.Under uniform cover the life insurance cover remains same throughout the term and under reducingcover, the life insurance cover reduces during the duration of the term.

REGULAR CPNTRIBUTION OPTION :

Under this option investor can choose either a 10 year term or 15 year term of investment. Theinvestor needs to invest a uniform amount every year i.e. 1/10 of target amount under 10 yearterm and 1/15 of target amount under 15 year term. The investor has a choice of making thisinvestment either once in a year i.e. on a yearly basis or twice a year i.e. on a half yearly basisor on a monthly basis as per his convenience.

The minimum target amount is

1. Rs. 10000/- under 10 year term

2. Rs. 15000/- under 15 year term

3. Rs. 12000/- under monthly SIP 10 year term

3. Rs. 18000/- under monthly SIP 15 year term

The Maximum Target Amount is Rs. 15,00,000/- under both terms.

Under the Regular Contribution option the target amount should be in multiple of Rs. 1000/ 1500for 10/15 year term respectively and minimum installment amount should be Rs. 100/- in monthlyoption.

Subsequent/Renewal contribution under Regular Contribution option:

After joining the scheme subsequent/renewal contribution can be paid either on yearly or halfyearly or monthly basis depending upon the mode chosen. If a 10 year term is chosen the yearlycontribution is 1/10 of target amount and half yearly contribution is 1/20 of target amount andmonthly contribution is 1/120 of target amount. Similarly in 15 year term yearly contribution is1/15 of target amount and half yearly contribution is 1/30 of the target amount and monthlycontribution is 1/180 of target amount.

Payment Date : The Renewal contribution under the above plan should be paid by the duedates shown below :

Date of joining Renewal contribution due dates

the scheme Yearly Mode Half Yearly Mode

1st Jan to 31st March 16th Feb 16th Feb & 16th Aug

1st April to 30th June 16th May 16th May & 16th Nov

1st July to 30th September 16th Aug 16th Aug & 16th Feb

1st October to 31 December 16th Nov 16th Nov & 16th May

Once a mode of payment is chosen, it cannot be altered. A grace period of 15 days is allowedfor making payment from the due date. If the renewal contribution is not paid in time the investorceases to participate in the scheme and the insurance cover both life and accident will be notbe available to him/her. In case of monthly option due date is 15th of every month and 12 PDCshave to be given in the beginning of each year.

UNIFORM COVER AND REDUCING COVER FOR INSURANCE COVER

The investor has to choose either Uniform Cover or Reducing Cover plan to enable the AMC todetermine and deduct premium accordingly from the amount invested. In case of Uniform Cover,the life insurance cover remains the same throughout term of plan and under Reducing Cover,the life insurance cover reduces during the term of plan and at any point of time it is equal tothe outstanding contributions that are yet to be made.

If the insurance cover is not chosen by the investor, by default, the cover will be taken as ReducingCover Plan. Also once the option of insurance cover is chosen, the same can not be altered.

SINGLE PREMIUM OPTION:

Under this option investor can chose either a 5-year term or 10 year term. The entire targeteamount will have to be invested in single contribution.

Minimum Investment Rs. 10000/- and thereafter in multiples of Rs. 1000/- under both the 5 aswell as the 10 year term

Maximum Investment: No upper limit.

ELIGIBLE FOR INVESTMENT:

By Resident Individuals and NRIs, in the age group of 12 to 60 years under Single PremiumOption and 10 year term of Regular Contribution Option and 12 to 55 years for 15 years term ofthe Regular Contribution Option.

INSURANCE COVER :

Only First Class lives are eligible for Insurance. The Insurance Benefits are payable to all unitholders only when the contributions under the scheme are made in time and up to date. Theinsurance covers (life and accident) will cease to be applicable on complete repurchase ofunits by the unit holder.

LICMF ULIS

0.00

5.00

10.00

15.00

20.00


Ret

urn

s (%

)

Scheme returns (%)


Extent of Life Insurance Cover

Risk on the unitholders life is covered to the extent of balance of TARGET AMOUNT in caseof reducing cover mode and equal to target amount in case of uniform cover made and singlepremium option subject to a maximum of Rs. 1500000/- under all memberships for both options.In case of females who have no regular and independent income, the Life Risk Cover will belimited to 50% even if the target amount is higher.

The Life Risk Cover is not available during the first six months. In case of unfortunate deathduring the first six months, the premium paid to LIC of India will be refunded. In case deathduring the next six months only 50% of the cover is available. Death by suicide during the firstyear will not be covered insurance purpose. In case of death by accident at any time during thefirst year, full Life Insurance cover will be available. In case of partial repurchases the life/accident cover will be proportionately reduced. The Insurance Cover will be provided on thebasis of declaration of good health.

Free Accident Benefit

Accident Cover is available absolutely free to the to the member under the Scheme, includingin the First year. The amount of Cover is equal to the amount of Life Insurance Cover subjectto maximum of Rs.750000/- , under all memberships for both options. Applicants should haveno deformity and should be enjoying good health.

Life Insurance and Accident cover is available to the first named person who is the member ofthe Scheme and not to the second named person in the application.

The Personal accident cover is applicable to the resident unitholders for death by accident orPermanent total disability sustained due to accident in India. The personal accident insurancecover will begin from the date of allotment of units till such time as the units are prematurelyredeemed.

Revival of Lapsed Membership

Investors can revive their lapsed membership and insurance cover, within one year form thedate of default in payment of renewal contribution by paying upto date arrears without anyinterest. However in such cases, Life cover will be restricted as applicable to fresh membersin the first year. Members whose membership is lapsed and who have not revived in within oneyear will not be eligible for any insurance cover in future. They will be paid only repurchasevalue of their units standing to their credit subject to a minimum lock in period of three years.

SETTLEMENT OF CLAIMS:

Death Claims:

All death claims will be settled by the LIC of India through LIC Mutual fund. In case of unfortunatedeath of the Member during the Scheme period, the second applicant / nominee/successor willbe entitled to receive the following benefits.

1. Repurchase Price of Capital and Dividend Units to the investor’s credit.

2. Amount of Life Insurance Cover.

3. Amount of Accident Insurance Cover in case death occurs due to Accident.

All insurance claims will be settled in India and shall be payable in Indian Rupees only.

Accident Claims:

In case of an accident resulting in death or permanent total disability of the resident unit holderthe legal nominee/unit holder may file the claim supported by all valid documents. The paymentof the claim shall be made to the nominee/ unit holder by the insurance company through LICMF.All insurance claims will be settled in India and shall be payable in Indian Rupees only.

FINAL ADDITONAL BENEFIT / MATURITY BONUS

Maturity Bonus will be paid subject to payment of all renewal contributions in time.

Single Premium Plan : 5% of target amount for 5 year term plan10% of target amount for 10 year term plan

Regular Premium Plan : 10% of target amount for 10 year term plan15% of target amount for 15 year term plan

OPTION ON MATURITY:

Maturity Intimation Letter will be sent to the unitholder , one month in advance to the maturity date,giving the options as mentioned below:

1) To continue in the scheme without insurance cover and exit at any time later on at theapplicable NAV as on the date of receipt of redemption request.

2) To switch the maturity proceeds into any of our ongoing schemes.

3) To redeem the units as on the date of maturity.

In case no option is exercised and duly intimated to us before the date of maturity, the defaultoption will be as per 1 above.

DECLARATION OF GOOD HEALTH:

This declaration should be made in the presence of an authorized person. Magistrate, Justiceof Peace, Gazetted Officer, Civil Surgeon, Officer of LIC,LIC Mutual fund/LICMF AMC Ltd.Authorized LIC Mutual Fund Chief Agents/Marketing Associates and Agents who will countersign the declaration. Standard Age Proof like School or College Certificate, Authenticatedextract from School or College Record containing the Date of Birth, Certificate extract fromMunicipal or other records of Birth, Certificate of Baptism or Certified extract from family Biblecontaining Date of Birth or age or Passport will be required to support the age furnished in theApplication. The age proof will be produced before the Authorised Official who will record yourage in the form. Applications without the declaration and age proof will not be entertained.

Investment objective: The investment objective of the scheme is to provide capitalgrowth in long –term with reasonable risk levels by investingmainly in companies which are in sector/s, which have ahigh growth potential at that point of time.


Equity and Equity related instruments 85 to 100%such as convertible debentures,warrants, derivatives of ‘opportunities’.

Fixed rate debt or money market 0 to 15%instruments Corporate Bonds, Gilt,CP, CD, Call Money Markets or anyother instruments as permitted bySEBI from time to time.

Note : Debt includes securitized debt.


2. Growth

Minimum application Option Fresh Additional RepurchaseAmount/ Number of Units: Purchase Purchase



Benchmark Index: BSE 200

Fund Manager: Mr. S. Ramasamy


Last 1 year 8.72 7.48

Last 3 year 4.43 11.60








Balance 1.75%




Risk factor: Mutual fund investments are subject to market risks. Pleaseread the Scheme Information Document carefully for detailson risk factors.

14. LICMF OPPORTUNITIES FUND

LICMF Opportun

Compounded anLast 1 year Last 3 yearSince Inception

LIC MF Opportunities Fund

0.00

2.00

4.00

6.00

8.00

10.00

12.00

14.00

16.00


Ret

urn

s (%

)

Scheme returns (%)


Investment objective: The main investment objective of the fund is to generatereturns commensurate with the performance of the indexeither Nifty/Sensex based on the plans, by investing in therespective index stocks subject to tracking errors.


Equity (Index Stocks) Upto 100

Equity (outside Index stocks- 10-20only for Sensex Advantage Plan)

Money Market Up to 10


Plan and Option Plan Option

Sensex Plan Dividend

Nifty Plan Growth

Sensex Advantage Plan


Sensex 2000/- Re.1/- Not Applicable

Sensex 2000/- Re.1/- Not ApplicableAdvantage

Nifty 2000/- Re.1/- Not Applicable

Benchmark Index: BSE Sensex (For Sensex & Sensex Advantage Plan) NSENifty (For Nifty Plan)

Fund Manager Mr. S. Ramaswamy


Sensex Plan

Last 1 year 5.29 7.67

Since inception 18.17 17.32

Nifty Plan

Last I year 2.19 6.2


Sensex Advantage Plan

Last 1 year 7.63 7.67


15. LICMF Index FundExpenses of the Scheme:



Recurring Expenses: First Rs. 100 Crore 1.50%Next Rs. 300 Crore 1.50%Next Rs. 300 Crore 1.50%Balance 1.50%Actual expenses of the previous financial year:1.50% - Sensex Plan1.50% - Nifty Plan1.12% - Sensex Advantage Plan




16. LICMF Income Plus FundInvestment objective: An open ended debt scheme which seeks to provide

reasonable possible current income – consistent withpreservation of capital and providing liquidity – from investingin a diversified portfolio of short –term money market anddebt securities.


Money Market 65-100Debt* 0-35Note: Debt includes securitized debt upto 35%

Plan and Option Options Dividend frequency1. Dividend – Payout 1. Daily

& Reinvestment2. Growth 2. Weekly

3. MonthlyMinimum application Plan/ Fresh Additional RepurchaseAmount/ Number of Units: Option Purchase Purchase

Dividend 500000 Re.1/- Not ApplicableGrowth 500000 Re.1/- Not Applicable

Benchmark Index C.Fund-LXFund Manager Mr. Ashish KumarPerformance of the scheme Scheme Benchmark(as on 30.06.2009) Returns (%) Returns (%)

Last 1 Year 8.70 8.41Since Inception 8.73 5.99



Exit Load: Nil




Balance 1.50%





LICMF Index Fund - Sensex Plan

0

5

10

15

20

Last 1 year Since Inception

Ret

urn

s (%

)

Scheme returns (%)


LICMF Index Fund - Sensex Advantage Plan

0

5

10

15

20


Ret

urn

s (%

)

Scheme returns (%)


LICMF Index Fund - Nifty Plan

0

5

10

15

20


Ret

urn

s (%

)

Scheme returns (%)


LICMF Income Plus Fund

0.00%

1.00%2.00%

3.00%4.00%

5.00%6.00%7.00%8.00%

9.00%

10.00%

Last 1 Year Since Inception

Period

An

nu

alis

ed R

etu

rn

Scheme Return

Benchmark Return

Applicable NAV (after the Scheme 1. FOR ALL SCHEMES EXCEPT LICMF LIQUID FUND :

opens for repurchase and sale): Purchase & Switch In:

If the application is received upto 3.00 p.m. alongwith local Cheque or DD payable at par then the closing NAV of the day on which the applicationis received will be applicable. However, if the application is received after 3.00 p.m. alongwith local Cheque or DD payable at par then theclosing NAV of the next working day on which the application is received will be applicable. If the application with outstanding Cheques/DDnot payable at par is received at the authorised centers, then the closing NAV of the day on which Cheque/DD is credited will be applicable.

However, in respect of purchase of units in Income/Debt oriented schemes with amount equal to or more than Rs. 1 crore, irrespective of thetime of receipt of application, the closing NAV of the day on which the funds are available for utilization shall be applicable.

Redemption & Switch out:

If the application is received upto 3.00 p.m. then the closing NAV of the day on which the application is received will be applicable; howeverif the application is received after 3.00 p.m. then the closing of the next working day on which the application is received will be applicable.NAV will be calculated and declared on all business days.

LICMF ULIS & LICMF TAX PLAN

Redemption/Switch out allowed after lock in period of 3 years from the date of investment.

2. FOR LICMF LIQUID FUND :

Purchase & Switch In :

If the application is received upto 12.00 noon on a day and funds are available for utilization on the same day - the closing NAV of the dayimmediately preceding the day of application shall be applicable. Where the application is received after 12.00 noon on a day and funds areavailable for utilization on the same day - the closing NAV of the day immediately preceding the next business day shall be applicable.Irrespective of the time of receipt of application, where the funds are not available for utilization on the day of the application – the closing NAVof the day immediately preceding the day on which the funds are available for utilization shall be applicable.

Redemption & Switch out:

If the application is received upto 3.00 p.m. then the closing NAV of the day on which the application is received will be applicable; howeverif the application is received after 3.00 p.m. then the closing of the next working day on which the application is received will be applicable.NAV will be calculated and declared on all days.

Despatch of Repurchase (Redemption) Within 10 working days of the receipt of the redemption request at the authorized centre of the LIC Mutual Fund.Request:

Dividend Policy: Under the dividend option the Fund expects to declare dividend on a monthly/quarterly /yearly basis, as applicable subject to availability ofdistributable surpluses. Dividends declared under the Dividend option will either be disturbed or will be reinvested in the scheme at theprevailing NAV. Unitholders may select to either receive or reinvest their Dividend in additional units of the scheme by indicating their decisionin the application form. Dividend amount will be automatically reinvested in to the scheme if the same is below Rs. 250/-.

Dividend Transfer Plan (DTP) DTP has been introduced in all our schemes w.e.f. 01/07/2009. If an investor wants to opt for DTP, he can do so by filling of the transactionslip available at our offices.

There is no assurance or guarantee to the unitholder as to rate of income distribution and regularity in declaration of income distribution. ThoughIt is the intention of the Fund to make monthly/quarterly/yearly income distribution under the above options.

Waiver of Entry Load As per SEBI Circular SEBI/IMD/CIR No.4/168230/09 dt.30/06/2009

a) There shall be no entry load for all mutual fund schemes

b) Upfront commission to distributors will be paid by the investor directly to the distributor, based on his assessment of various factorsincluding the service rendered by the distributor.

c) Of the exit load or CDSC charged to the investor, a maximum of 1% of the redemption proceeds shall be maintained in a separateaccount which can be used by the AMC to pay commissions to the distributor and to take care of other marketing and sellingexpenses. Any balance shall be credited to the scheme immediately.

d) The distributors shall disclose all the commission (in the form of trail commission or any other mode) payable to them for thedifferent competing schemes of various mutual funds from amongst which the scheme is being recommended to the investor.

The above said circular shall be applicable for

a) Investments in mutual fund schemes (including additional purchases and switch-in to a scheme from other schemes) witheffect from August 1, 2009

b) Redemptions from mutual fund schemes (including switch-out from other schemes) with effect from August 1, 2009

c) New mutual fund schemes launched on and after August 1, 2009

d) Systematic Investment Plans (SIP) registered on or after August 1, 2009

Name of the Trustee Company LIC Mutual Fund Trustee Company Private Limited

Tax Treatment for the Investors As per the taxation laws in force at the date of this document, the tax benefits that are available to the investors are stated below. This

(Unitholders): information is provided for only general information purpose. Each investor is advised to consult his or her own tax consultant with respect tothe specific tax implications arising out of their participation in the scheme.

FOR DEBT SCHEMES

As per the taxation laws in force at the date of this document, the tax benefits that are available to the investors are stated below. Thisinformation is provided for only general information purpose. Each investor is advised to consult his or her own tax consultant with respect tothe specific tax implications arising out of their participation in the scheme.

Income Tax

Income Distributed by the Mutual Fund

Consequent upon the amendments proposed by the Finance bill, 2005 to the Income Tax Act, 1961, income in respect of units of Mutual fundswill continue to remain tax free in the hands of the investors. But in case of debt related schemes the fund is required to pay dividend distributiontax @ 12.5% plus surcharge plus cess on income distributed to individual/HUF unitholders. However, in case of non- individual/HUF unitholdersthe Fund is required to pay dividend distribution tax @ 20% plus surcharge plus cess. The above mentioned provisions will continue as perthe Finance Bill 2005. As per the Finance Bill 2007 effective from 01.04.2007, where the income is distributed by any Money market MutualFund and Liquid fund, the fund is required to pay dividend distribution tax @ 25% plus surcharge plus cess.

Tax deduction at source (All unitholders)

In view of the exemption of income in the hands of the unitholders, no income – tax is deductible at source, on income distribution by the MutualFund, under the provision of section 194K and 196A of the act. However, as per the section 196B of the act, tax is required ot be withheld atthe rate of 10.25% from dividend payable to approved overseas financial organization.

Capital Gains Tax

Foreign Institutional investors

Long – term capital gains on sale of Units, held for a period of more than twelve months, would be taxed at the rate of 10% under Section 115ADof the Act. Such gains, would be calculated without indexation of cost of acquisition. Short –term capital gains would be taxed at 30%. Theabove tax rates would be increased by applicable surcharge, of 10% thereon, in case of, non-corporate Unitholders, where the income exceedsRs. 10,00,000 and 2.5% surcharge in case of corporate Unitholders plus cess.

Specified overseas financial organizations

As per the provision of section 115AB of the Act, long-term capital gains on transfer of units arising to specified overseas financial organizationson transfer of units purchased by them in foreign currency shall be liable to tax at the concessional rate of 10 per cent plus applicable surchargethereon. However, such gains shall be computed without the benefit of cost indexation.

Short-term capital gains would be taxed at 40% plus applicable surcharge in case of foreign companies and 30% plus applicable surchargein case of others.

Other Unitholders

Long term capital gains in respect of Units, held for a period of more than twelve months, will be chargeable under Section 112 of the Act, 10%without cost inflation index benefit or 20% with cost inflation index benefit , whichever is lower, plus applicable surcharge plus cess.

The following amounts would be deductible from the full valve of consideration, to arrive at the amount of capital gains:

• Cost of acquisition of Units as adjusted by Cost Inflation Index notified by the Central Government , and

• Expenditure incurred wholly and exclusively in connection with such transfer.

Where redemption is made during the minority of the Child, tax will be levied on either of the parents, whose income is greater. When the childattains majority, such tax liability will be on the child.

In case of Individuals and Hindu Undivided Families, where taxable income as reduced by long-term capital gains, is below the basicexemption limit, the long term capital gains will be reduced to the extent of the shortfall and only the balance long-term capital gains will besubjected to the flat rate of income- tax. However, where the tax payable on such long-term capital gains, computed before indexation, exceeds10% as increased by the applicable surcharge , of the amount of capital gains, such excess tax shall not be payable by the Unitholder.

Short term capital gains would be taxed as 35% plus applicable surcharge in case of companies and firms.

Short term capital gains arising to individuals and HUFs are taxable on progressive basis, as given below:

• Nil, where total income for a tax year (April to March) is less than or equal to Rs. 160000/-for men, Rs. 190000/- for women, and Rs. 240,000/- for senior citizen, plus

• 10% of the amount by which the total income exceeds Rs. 160000 for men, Rs. 190,000/- for women and Rs. 240,000/- for senior citizenbut less than or equal to Rs. 300,000 plus

• 20% of the amount by which the total income exceeds Rs. 300,000/- for men, women and senior citizen but is less than or equal to Rs.500,000/- plus

• 30% of the amount by which the total income exceeds Rs. 500,000.

All Unitholders

Under the provisions of Section94(7) of the Act, loss arising on sale of Units, which are bought within 3 months prior to the record date(i.e. thedate fixed by the Mutual fund for the purposes of entitlement of the Unitholders to receive the income) and sold within 9 months after the recorddate, shall be ignored for the purpose of computing income chargeable to tax to the extent of exempt income received or receivable on suchUnits.

Tax Deduction at source

Domestic Unitholders

No income-tax id deductible at source from income by way of capital gains under the provisions of the Act and as per Circular no. 715 datedAugust 8, 1995 issued by the CBDT.

Foreign Institutional Investors

Under Section 196B of the Act, no Deduction shall made from any income by way of capital gains, in respect of transfer of securities referredto in Section 115AD of the Act.

Specified overseas financial organizations

As per the provisions of sections 196B of the Act, long-term capital gains on transfer of units arising to specified overseas financial organizationon transfer of units purchased by them in foreign currency shall be liable to tax deduction at source at the rate of 10% plus applicable surcharge.

Short term capital gains arising to such organizations shall be subject to tax deduction at source at 40% plus applicable surcharge in caseof foreign companies and 30% plus applicable surcharge in case of others.

Other Non-resident Unitholders

Part II of the First Schedule to the Finance Act, 2005, provides for deduction of tax at source from capital gains at the rate of 20 %, where theyrelate to long-term capital gains and at the marginal rates, viz. at 30 % in case of non-corporate Unitholders and at 40% in case of corporateUnitholders, in case of short-term capital gains. Surcharge on income-tax will be levied at 10%, on such tax, in respect of all Unit holders, otherthan corporate Unitholders, where the income exceeds Rs. 10,00,000 and in respect of all Unitholders at 2.5% of such tax.

In Accordance with the provision of Circular no.728 dated October 30, 1995 issued by the Central Board of Direct Taxes (CBDT), in case of non-resident Unitholder who is a resident of a country with which India has signed a double taxation avoidance agreement (which is in force) thetax should be deducted at source under section 195 of the Act at the rate provided in the Finance Act Of the relevant year or the rate provided

in the said agreement, whichever is more beneficial to such non-resident Unitholder. However, such a non-resident Unitholder will be requiredto provide appropriate documents to the Mutual Fund, to entitled to a beneficial rate under such agreement.

Exemption in Long-term capital gains

1. A per the provision of section 54EC of the Act, long-term capital gains arising on transfer of units shall be exempt from tax to the extentsuch capital gains are invested, within a period of six months of such transfer, in acquiring specified bonds and remain so invested asspecified.

2. As per the provisions of section 54ED of the Act, long term capital gains arising on transfer of units shall be exempt from tax to the extentsuch capital gains are invested, within a period of sis months of such transfer, in acquiring the equity shares forming part of a public issueof an Indian public company and remain so invested as specified.

Other Benefits

Investments in Units of the mutual fund will rank as an eligible form of investment under Section 11 (5) of the Act read with Rule 17C of the income-tax Rules, 1962, for Religious and Charitable Trusts.

Wealth –Tax

Unit held under the Scheme(s) are not treated as assets as defined under Section2(ea) of the Wealth-tax Act, 1957 and thereof would not liableto wealth-tax.

Gift-tax

The Gift- tax Act,1958 has ceased to apply to gifts made on or after October 1, 1998. Gifts of Units, Purchased under the Scheme(s), wouldtherefore, be exempted from gift-tax.

FOR EQUITY SCHEMES

As per the taxation laws in force at the date of this document, the tax benefits that are available to the investors are stated below. Thisinformation is provided for only general information purpose. Each investor is advised to consult his or her own tax consultant with respect tothe specific tax implications arising out of their participation in the scheme.

Tax Benefits to the Mutual Fund

The Mutual Fund will receive all income without any deduction of tax at source under the provision of Section 196(iv) of the Act.

As per the Finance Bill 2005, income distribution, if any, made by the Mutual Fund, continue to remain tax free under Section 115R of the Act,in the case of open-ended equity –oriented funds(i.e where the investible funds are invested by way of equity shares in domestic companiesto the extent of more than 65% of the total proceeds of the Fund)

Tax Benefits to Unit holders

Income-tax

All Unit holders

Income received, otherwise than on transfer, in respect of units of a mutual fund, including Units under the Scheme would be exempt from taxunder Section 10(35) of the Act.

Tax Deduction at Source

All Unit holders

No income-tax is deductible at source, on any income distribution by the Mutual Funds under the provisions of Sections 194K and 196A of theAct.

Capital Gains Tax

Foreign Institutional Investors

As per the Finance Bill 2005, Section 10(38) of the Act, long-term capital gains on sale of securities (including units of mutual fund) where thetransactions of sale is entered into on a recognized stock exchange in India, shall continue to remain exempt from tax. As per section 111Aof the Act, short-term capital gains on sale of securities (including units of mutual funds) where the transaction of sale is entered into on arecognized stock exchange in India, shall continue to be subject to tax at a rate of 10 per cent (plus applicable surcharge and Education Cess).

As per the provisions of Section 54 ED of the Act and subject to the conditions specified therein, capital gains arising from transfer of long termassets , being listed securities or units shall not be chargeable to tax to the extent such gains are invested in acquiring equity shares formingpart of an “eligible issue of share capital” within six months form the date of transfer of the long term assets( provided they are not transferredwithin one year of acquisition ). Eligible issue of share capital has been defined as an issue of equity share which satisfies the followingconditions:

- the issue is made by a public company formed and registered in India; and

- the shares forming part of the issue are offered for subscription to the public.

Other Unit holders

As per The Finance Bill 2005, vide section 10(38)of the Act, long –term capital gains on sale of securities (including units of mutual fund) wherethe transaction of sale is entered into on a recognized stock exchange in India, shall continue to remain exempt from tax.

As per The Finance Bill 2005, vide Section111A of the Act, Short-term capital gains on sale of securities(including units of mutual fund) wherethe transactions of sale is entered into on a recognized stock exchange in India, shall continue to be subject to tax at a rate of 10 percent (plusapplicable surcharge and Education Cess). Further it is proposed that in case of resident individuals and Hindu Undivided Families wheretaxable income as reduced by short-term capital gains, is below the basic exemption limit, the short term capital gains will be reduced to theextent of the shortfall and only the balance short-term capital gains will be subjected to the flat rate income-tax (plus applicable surcharge andEducation Cess).

As per the provision of Section 54EC of the Act and subject to the conditions specified therein, capital gains arising on transfer of a long-termcapital assets shall not be chargeable to tax to the extent such capital gains are invested in certain notified bonds within six months from thedate of transfer. However, if the said bonds are transferred or converted into money within a period of three years from the date of their acquisition,the amount of capital gains exempted earlier would become chargeable to tax as long term capital gains in the year in which the bonds aretransferred or converted into money.

All Unit Holders

Under the Provision of Section 94(7) of the Act, loss arising on sale of Units, which are brought within 3 months prior to the record date(i.e. the

date fixed by the Mutual Fund for the purposes of entitlement of the Unit holders to receive the Income ) and sold within 9 months after the recorddate, shall base ignored for the purpose of computing income chargeable to tax to the extent of exempt income received on such Units.

The Finance Bill 2004 further added that any person purchases units (‘Original units’) within a period of 3 months prior to the record date, whois allotted bonus units and sells all or any of the Original units within a period of 9 months after the record date, while continuing to hold allor any of the bonus units, then any loss arising on sale of the original units shall be ignored for the purpose of computing income chargeableto tax. The amount of loss so ignored shall be deemed to be the cost of purchase of the bonus units as are held on the date of such sale. Thesame provision is extended in the Finance Bill 2005 for the year 2005-06.

The Finance Bill 2004 has amended the definition of the term “record date” to include the date fixed by the Mutual Fund for the purpose ofentitlement of the Unit Holders to receive bonus units. The same definition shall continue to apply as per Finance Bill 2005.

Tax Deduction at Source

All Unit Holders

No income-tax is deductible at source from income by way of capital gains under the present provisions of the Act. However, the matter is notfree from doubt in case of non- residents (other than in case of Foreign Institutional Investors). Hence the provisions of section 195 of the Actmay apply to non-residents (other than Foreign Institutional Investors).

As per the provisions of Section 54ED of the Act and subject to the conditions specified therein, capital gains arising from transfer of long termassets, being listed securities or units shall not be chargeable to tax to the extent such gains are invested in acquiring equity shares formingpart of an “eligible issue of share capital” within six months form the date of transfer of the long term assets (provided they are not transferredwithin one year of acquisition). Eligible issue of share capital has been defined as an issue of equity share which satisfies the followingconditions:

- the issue is made by a public company formed and registered in India; and

- The shares forming part of the issue are offered for subscription to the public.

As per the provisions of Section 54F of the Act and subject to the conditions specified therein, in the case of an individual or a Hindu UndividedFamily, capita; gains arising on transfer of a long term capital asset( not being a residential house) are not chargeable to tax if the entire netconsideration received on such transfer is invested within the prescribed period in a residential house. If part of such net consideration isinvested within the prescribed period in a residential house, then such gains would be not chargeable to tax on a proportionate basis. For thispurpose, net consideration means full value of the consideration received or accruing as a result of the transfer of the capital assets as reducedby any expenditure incurred wholly and exclusively in connection with such transfer.

Securities Transaction Tax

All Unit Holders

As per Chapter VII of the Finance (No.2) Act, 2004 pertaining to STT as amended by Finance Act, 2005, the STT shall be payable by the sellerat the rate of 0.20% on the sale of a unit oriented fund to the Mutual Fund. The Finance Act, 2006 has increased the rate from 0.20% to 0.25%w.e.f. 01.06.06.

Illustration of STT

For unit redemptions For amount redemption

Starting units = 50,000 Starting Units = 40,000

Units redeemed = 10,000 Amount redeemed = Rs. 1,00,000

NAV = Rs. 15.00 NAV = Rs. 20.00

Exit Load = 1.00% Exit Load = 1.00%

STT = 0.25% STT = 0.25%

Redemption Price=NAV-Exit load = 14.85 Redemption Price=NAV-Exit load = Rs. 19.80

Amount = 14.85* 10,000 = Rs. 148,500 STT = 1,00,000 * 0.25% = Rs. 250.00

STT = 0.25% * 148,500 = Rs. 371.25 STT rounded to nearest rupee = Rs. 250.00

STT rounded to rupee = Rs. 371 Gross amount with STT = Rs. 1,00,250.00

Net amount to investor = 148,500-371 Number of unit = 1,00,250.00/ 19.80

= Rs. 148,129 = 5063.1313

Balance Units = 40,000 Balance Units = 34936.8687

Other Benefits

Investments in Units of the Mutual Fund will rank as an eligible form of investments under Section 11(5) of the Act read with Rule 17C of theincome – tax Rules, 1962, for Religious and Charitable Trusts.

Wealth-tax

Units held under the Scheme are not treated as assets as defined under Section 2(EA) of the Wealth –tax Act, 1957 and therefore would notbe liable to wealth-tax.

Gift –tax

The Gift-tax Act, 1958 has ceased to apply to gifts made on or after October 1, 1998. Gifts of Units, purchased under the Scheme, wouldtherefore, be exempt from gift-tax.

For Investor Grievances, please contact: M/s. Karvy Computershare Pvt. Ltd. LIC Mutual FundUnit : LIC Mutual Fund 4th Floor, Industrial Assurance BuildingKarvy Plaza, House No. 8-2-596, Opp. Churchgate Station, Churchgate,Avenue 4, Street No. 1, Banjara Hills, Mumbai – 400 020Hyderabad – 500 034 Phone : 22812038Tel : 23312454/44338155 Fax : 22040039/ 22880633Fax : 23388705 e-mail : [email protected]

Website: www.licmutual.com

Dated : 01/08/09

I N S TRUCT I ONS

1. Please read carefully the Offer Document containing the terms of Offer. It must be understood clearly that all applicants are deemed to have accepted the terms subject to which this offer is being madeand bind themselves to the terms upon signing the application and tendering payment.

2. Application form must be completed in full in BLOCK LETTERS and in ENGLISH. While filling in the names, please leave a blank between space between the name and surname and between two or moreparts of the name and address, eg. SUNIL KUMAR SHARMA

3. Investors already having an account in any of LIC Mutual Fund Schemes should provide their Folio No/Account No., complete details in Section G and proceed to Section N. The personal details and Bankaccount details as appearing in the existing folio/account no. would apply to this investment as well and would prevail over any conflicting information furnished in this form.

4. Mode of holding: Application can be made on Single, Joint, First Holder or Survivor(s) or anyone or Survivor(s) basis. In the case of holding other than single, the name and signature of each applicantmust be given in the space provided in the application form. All communication will be addressed and refunds, and other payments, if any, will be made payable to the applicant whose name appears firston the application at the address given by him /her. Tax benefits will be available only to the First Applicant as per rules. If the application is made on behalf of Eligible Body Corporate, Institution(s) secondapplicant is not allowed.

5. In the case of HUF, the Karta will sign on behalf of the HUF. All communications will be addressed to the Karta at the address given by him/her. Refunds and other payments, if any, will also be made payableto the Karta.

6. Signature should be in English or in any of the Indian languages. Thumb impression must be attested by any authorised Stock Broker or any Agent of LIC Mutual Fund or any LIC Agent who is a memberof Divisional Manager’s / Zonal Manager’s/Chairman’s Club or any Officer of LIC Mutual Fund/LICMFAMC or any Officer of Nationalized Banks or a Magistrate / Notary Public under his/her Official Seal.

7. In case of application under a Power of Attorney the relevant Power of Attorney (or duly certified copy thereof) must be lodged alongwith the application. In the case of application by Limited Companies,Bodies Corporate, Trusts, Societies, etc., the relevant document of authority (or duly certified copy thereof) viz. The Board/Committee Resolution and list o f authorised signatories alongwith their specimensignatures apart form the MoA/ Partnership Deed/ Trust Deed/ Bye-laws as the case may be must be lodged alongwith the application.

8. PERMANENT AACCOUNT NUMBER: SEBI has made it mandatory for all applicants including joint holders and guardian to mention his/her Permanent Account Number(PAN) irrespective of the amountof purchase (fresh, additional, SIP). In order to verify that the PAN of the applicants (in case of applications in joint names, guardian in case minor, each of the applicants) has been duly and correctly quotedtherein, the applicants shall attach a photocopy of the PAN card duly attested by the distributor / agent (AMFI registered) through whom the application is effected or by bank Manager or Notary or InvestorsService Centers of LIC Mutual Fund or ISCs of Karvy. Attestation will be done after verification with the original PAN card. Applications not accompanied with the above requirements are liable to be rejected.Additionally, in the every of any application form being subsequently rejected for mismatch of applicant’s PAN details on the websites of the Income Tax Department, the investment transactions will be cancelledand the amount may be redeemed at the applicable NAV, subject to payment of exit load, if any, and recovery of unamortized NFO expenses. For further details contact any of our area offices/ businesscenters.

9. PREVENTION OF MONEY LAUNDERING: Prevention of Money laundering Act, 2002 (hereinafter referred to as” Act”) came into effect from July 1, 2005 vide Notification No. GSR 436(E) dated July 1,2005 issued by Department of Revenue, Ministry of Finance, and Government of India. Further, SEBI vide its circular reference number ISD/CIR/RR/AML/1/06 dated January 18, 2006 mandated that allintermediaries including Mutual funds should formulate and implement a proper policy framework as per the guidelines on anti money laundering measures and also to adopt a Know Your Customer (KYC)policy. The intermediaries may, according to their requirements specify additional disclosures to be made by clients for the purpose of identifying, monitoring and reporting incidents of money launderingand suspicious transactions undertaken by client. SEBI also issued another circular reference no ISD/CIR/RR/AML/2/06 dated March 20, 2006 advising all intermediaries to take necessary steps to ensurecompliance with the requirement of section 12 of the Act interalia maintenance and preservation of records and reporting of information relating to cash and suspicious transactions to Financial IntelligenceUnit- India (FIU-IND), New Delhi. The investor(s) should ensure that the amount invested in the scheme is through legitimate sources only and does not involve and is not designated for the purpose ofany contravention or evasion of the provision of the Income Tax Act, Prevention of Money Laundering Act, Prevention of Corruption Act and/ or any other applicable law in force and also any laws enactedby the Government of India from time to time or any rules, regulations, notifications or directions issued there under. To ensure appropriate identification of the investor(s) under its KYC policy and with aview to monitor transactions for the prevention of money laundering. LIC Mutual Fund Asset Management Company limited (“ the AMC”)/ LIC mutual Fund(“the Mutual Fund”) reserves the right to seekinformation or obtain and retain documentation for establishing the identity of the investor, proof if residence, source of funds, etc. It may re-verify identity and obtain any incomplete or additional informationfor this purpose. The Investor(s) and their attorney if any, shall produce reliable, independent source documents such as photograph, certified copies of ration card/passport/driving licenses /PAN card,etc. and/or such documents or produce such information as may be required from time to time for verification of the identity, residential address and financial information of the investor(s) by the AMC/MutualFund. If the investor(s) or the person making payment on behalf of the investor(s),refuses/ fails to provide the required documents/ information within the period specified in the communication(s) sent bythe AMC to the investor(s) then the AMC, after applying appropriate due diligence measures, believes that the transaction is suspicious in nature within the purview of the Act and SEBI circulars issued fromtime to time and/ or on accounted deficiencies in the documentation, shall have absolute discretion to the report suspicious transactions to FIU-IND and /or to freeze the folios of the investor(s), reject anyapplication(s) /allotment of units and effect mandatory redemption of unit holdings of the investor(s) at the applicable NAV subject to payment of exit load, if any, and recovery of unamortized NFO expensesin terms of the said communications sent by the AMC to the investor(s) in this regard. The KYC documentation shall also be mandatorily complied with by the holders entering the Register of members byvirtue of law e.g. transmission, etc. The Mutual Fund, LICMF Asset Management Company Limited, LICMF Trustee Company Pvt. Limited and their Directors employees and agents shall not be liable inany manner for the claims arising whatsoever on account of freezing the folios/ injection of any applications/allotment of units or mandatory redemption of units due to non-compliance with the provisionsof the Act, SEBI circular(s) and KYC policy and/ or where the AMC believes that transactions is suspicious in nature within the purview of the Act and SEBI circular(s) and reporting the same to FIU-IND.

10. KNOW YOUR CUSTOMER (KYC) COMPLAINCE: In terms of the prevention of Money Laundering act, 2002, the Rules issued there under the guidelines/circulars issued by SEBI regarding the Anti MoneyLaundering (AML Laws), all intermediaries, including Mutual funds, have to formulate and implement a client identifications programme, verify and maintain the records of identity and address(es) of investors.In orders to make the data capture and document submission easy and convenient for the investors, Mutual Fund Industry has collectively entrusted the responsibility of collection of documents relatingto identity and address of the investors(s) to an independent agency (presently CDSL Venture Limited) which will act as central record keeping agency (‘Central Agency’). As a token of having verified theidentity and address of the investor(s) and for efficient retrieval of records, the Central Agency will issue a KYC Acknowledgement Letter (previously known as Mutual Fund Identification number –MIN* AllotmentLetter) to each investor who submits an applications and the prescribed documents to the Central Agency. Investors should note that it is mandatory for all applications for subscriptions of value of Rs. 50,000/- and above to quote the KYC Compliance Status of each applicant (guardian in case of minor) in the application for subscriptions and attach proof of KYC Compliance viz. KYC Acknowledgements Letter(or the erstwhile Mutual Fund Identification Number*(MIN) Allotment Letter) . Applicants intending to apply for units through a Power of Attorney (POA) must ensure that the issuer of the POA and the holdermust mention their KYC Compliance Status and attach proof of KYC Compliance at the time of investment above the threshold. The KYC status will be validated with the records of the Central Agency beforeallotting units. LIC Mutual fund will not be held responsible and /or liable for rejection of KYC Form, if any, by the Central Agency. Applications for subscriptions of value of Rs. 50,000/- and above withouta valid KYC compliance may be rejected. Provided further, where it is not possible to verify the KYC compliance status of the investor at the time of allotment of units, the Trustes /AMC shall verify the KYCcompliance status of investor within a reasonable time after the allotment of units. In the event of non- compliance of KYC requirements , the trustee/AMC reserves the right to freeze the folio of the investor(s)and affect mandatory redemption of unit holdings of the investors at the applicable NAV, subject to payment of exit load, if any and recovery of unamortized NFO expenses. To comply with the KYC norms,documents and information to be provided by the investors are (i) proof of identity (ii) Proof of Address (iii) PAN card (iv) Photograph. For further details contact any of our area offices/ business centers.*Valid only where investors who have already obtained the erstwhile Mutual fund Identifications Number (MIN) by submitting the PAN copy as the proof of identity.

11. Nomination facility: Nomination facility is provided under the scheme. Minor also can be nominated. Nomination facility can also be availed after issue of Statement of Account by writing to the Registrarsto the Scheme /Authorised Service Centre. Persons applying on behalf of Minors/Eligible Institution /Body Corporate /Power of Attorney holders /Karta of HUF cannot nominate. In case the nominee is minor,please furnish the name of the Guardian (other than the applicant/s)

12. It shall be Mandatory for first applicant to mention his/her Bank details including the name of the bank, address along with his/her A/c number in the application. In the absence of thesedetails the application is liable to be rejected. Investor should submit Bank A/c details /Address at the time of request for repurchase or redemption. LIC Mutual Fund will not be responsiblefor any fraudulent encashment of Cheques through interception.

13. Payment:a) Payment must be made to any Authorised Collection Centre. It may be in Cheque or Bank Draft drawn on any Bank which is a member or sub – member of the Banker’s clearing House located

at the place where the application form is submitted. Application form accompanied by outstation Cheque/drafts or Money/Postal Orders or Stockinvests will not be accepted. A separate Chequeor Demand Draft must accompany each application form and the application form no should be written on the back of the instrument. Non-MICR Instruments drawn on metropolitan Centersare not acceptable. Charges for making DD may be deducted from the applications money, however pay order making charges will not be reimbursed.

b) Physical Payment : To be filled in case the investment is by Cheque /DD. Switch In;- To be filled in case the investor is switching his /her investment from the existing account of any LIC MutualFund Scheme. The switching is subject to the minimum amount of application and the entry /exit terms of the respective schemes.

c) Payments by NRIs /Overseas Corporate Bodies : Funds will have to be remitted from abroad through normal banking channels or paid out of funds held in the investors NRE/NRO/FCNR A/c.maintained with banks authorised to deal in foreign exchange in India.

14. All local Cheques and Bank Drafts must be drawn in favor of “ Respective Scheme Name” and crossed “ ACCOUNT PAYEE ONLY” and should be payable at the Authorised Centre where the ApplicationForm is submitted.

15. Date of acceptance will be the date of the business day on which the application is received with Cheque /DD at th Authorised Collecting Centre (Subject to realization of Cheque /draft)16. Acknowledgement of application: Receipt of application will be acknowledged by the collecting centre in the “Acknowledgement Slip” .17. Right to accept or reject application: Application which is not complete in all respects is liable to be rejected and LIC Mutual Fund would not be held responsible for consequences thereof. LIC Mutual Fund

reserves, at its sole and absolute discretion, the right to accept in whole or in part without assigning any reasons.18. Refund of applications money: Where an application is rejected in full or in part, application money received will accordingly be refunded to the applicant by Cheque payable at the authorised Centre where

the application was submitted. No interest will be paid on the amount so refunded. Letter of Regret together with the refund Cheque, if any, will be dispatched by post at the applicant’s sole risk.19 a) If the application is not submitted through any LICMF Agent /Broker/ sub- Broker, the applicant is requested ot write the word “DIRECT” against the Code No. of Agent /Broker.

b) If the application is through sub-Broker, in addition to the Sub-broker’s code number, the code number and name of the LICMF Broker To whom the Sub –broker is attached, are also required tobe written.

c) If the application is through a LICMF broker, the Code number and name need only be given.20. Full Postal Address of the Agent /Broker Should be written in capital letters in the space provided at the top of the application.21. NRI investors should give their local address as well as overseas address and bank details.22. (i) DIRECT CREDIT OF DIVIDENT /REDEMPTION: LIC Mutual Fund has an arrangement with IDBI Bank, AXIS Bank, CITI Bank, HSBC Bank, Standard Chartered Bank and AMN AMRO Bank to enable

direct credit of dividend / redemption proceeds into the bank account of the respective investors who have an account with any of these banks( subject to changes form time to time). This facilityas a mode of payment is faster and safe and also avoids loss of instruments sent through courier /post. In case the bank account as communicated by the investors is with any of the above banks,the LIC Mutual Fund shall automatically extend this facility to the unitholders. If the remittance is delayed or not effected for reasons of incorrect/ incomplete information, LIC Mutual Fund cannotbe held responsible.

(ii) Electronic Clearing Service (ESC) Payment: When Direct Credit cannot be executed the fund will explore the possibility of crediting by ECS. ECS is possible subject to RBI Guidelines and Requirements.The 9 digits MICR will be used for that purpose and the investor is required to incorporate the same carefully.

(iii) RTGS : This Facility will be executed subject to charges levied by the respective banks to investors. HOWEVER, PLEASE NOTE THAT LIC Mutual Fund/ LICMF Asset Management Company Ltd.reserves the right to issue a Demand Draft/ Payable at par Cheque instead of Direct Credit /ECS /RTGS.

23. Duly attested standard age proof is compulsory as an enclosure to the application.24. Depending on the option chosen, the SOA will be sent accordingly.25. If the unitholder has not chosen options viz. Dividend or Growth, then by default, the option will be taken as Growth. Moreover, under Dividend Option, if the unitholder has not chosen payout or reinvestment,

then by default, the option will be taken as Dividend Reinvestment. Also in schemes where the investor has taken dividend payout option and no payout frequency is mentioned, then by default, the payout frequencywill be Daily / Weekly / Monthly / Quarterly / Yearly whichever is highest in the concerned scheme. Also in schemes where the investor has taken dividend reinvestment option and no reinvestment frequency is mentioned,then by the default, the reinvestment frequency will be Daily / Weekly / Monthly/ Yearly whichever is lowest in the concerned scheme.

26. Dividend Transfer Plan has been introduced in all our schemes with effect from 01/07/2009. If an investors wants to opt for DTP, he can do so by filling up the Transaction Slip available at our offices andour website.

27. Trigger Option is available under our LICMF Index Fund. If an investors wants to opt for the same, he can do so by filling up the Trigger Option Form available at our offices and our website.28. Wherever the investor(s) has/have provided his/their e-mails address in the application form or subsequent letter to us, the AMC reserves the right to use Electronic Mail (e-mail) as a default mode to send various

communication which include account statements for transactions done by the investor(s)

Mb

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SERIAL NO. CAF

H. Mode of Holding

1 Single

2 Joint

3 First Holder orSurvivor(s)

4 Any one or Survivor(s)

1. Occupation of Sole/First Applicant/Parentof Guardian Minor.

1. Professional

2 . Service

3. Business

4. Agriculture

5 Housewife

6 Retired

7 Student

8 Others

(TO BE FILLED IN BY THE APPLICANT) SERIAL NO. CAFReceived an application for purchase of units of LICMF

(Scheme Name with option)from Mr/Mrs/M/s. alongwith

(Name of the Investor)Cheque /Draft No. Dated Drawn on

For Rs. excludingBank Charges(in cases of Draft) of Rs. Date

Signature, Stamp & Date

Date of Birth(Compulsory for ULIS & Minor)*

DD YY MM

N.

INV

ES

TM

EN

TD

ETA

ILS

(*please refer instruction no.23)

COMMON APPLICATION FORM

Name of the Authorised Centre: FOR OFFICE USE ONLY

AGENT/ BROKER SUB-BROKER CODE(IF any)

ARN No.

NAME

Tel. No.

(PLEASE READ INSTRUCTIONS BEFORE FILLING UP THE FORM)(FILL IN ALL THE PARTICULARS IN CAPITAL LETTERS. DO NOT SPLIT THE WORD, USE NEXT LINE)

A. EXISTING UNITHOLDERS INFORMATION : (If you have existing folio, please fill in your Folio Number /Account Numbercomplete details in section G and proceed to section N,.Refer Instruction No. 3.)Folio No./Account No.

B. Name of Sole /First Applicant

C. Name of Parent or Guardian in case Sole/ First Applicant is a Minor

D.i) Address in full of Sole /First Applicant /Parent or Guardian of Minor(Strike off whichever is not applicable)

PIN STATE TEL. NO. MOBILE NO. E-mail –ID

D.ii) Foreign Address of Non-Resident Indian (NRI)

E. Name of the Second Applicant

F. Name of the Third Applicant

G. PAN AND KYC COMPLIANCE STATUS DETAILS ( Mandatory)PAN * (Refer instruction No. 8) KYC Compliance ** (if Yes, attach proof)

First/Sole Applicant/ Yes No.Guardian ***Second Applicant Yes No.

Third Application Yes No.

*Attach PAN Proof, If PAN is already validated, don’t attach any proof, ** Refer instruction No. 10, *** If the Sole/ First Appliants is a minor, thenstate detail of guardian

J. Status of Sole /First Applicant (Please tick whichever is applicable)

Resident Individual Karta of HUF Minor through Guardian Company Body Corporate Trust Society

Association of Persons/Body of individuals Bank & FIs NRI –Repatriable NRI- Non- Repatriable Others.

K. BANK ACCOUNT DETAILS: (Please note that as per SEBI Regulations, it is mandatory for investors to provide their bank account details)

Name of the Bank Name of the Branch

Account No. Bank City Pin Code

Type of A/c. Current Saving NRO NRE FCNR NRSR OTHERS

9.Digit Code No. of the bank appearing in MICR Band for ECS PAYMENT

RTGS: IFSC CODE

E-mail Communication (refer instruction no.24) I/we wish to receive the statement of account via E-mail Physical

L. PAYMENT OF DIVIDEND /REMPTION (Please refer instructions no. 22 & 25)

M. TO BE FILLED IN IF APPLICATON IS FROM AN INSTITUTION OR FOR THUMB IMPRESSION ATTESTATION (Refer Instruction No. 6&7)

Name of Authorised Signatory/ Attestor Designation/ Occupation Signature

1. 1. 1.

2. 2. 2.

1 2 3 4 5

8 9 10 11

6 7

12

Upfront commission shall be paid directly by the investor to the AMFIregistered Distributors based on the investors’ assessment of variousfactors including the service rendered by the distributor

ACKNOWLEDGEMENT SLIP


Scheme Name OptionPlan

Growth Div. Payout Div. reinvestment

DIV. PAYOUT/REINVESTMENT MODE (Refer Inst. 25)

for MIPs for LICMF Liquid Plus Fund , Savings Plus Fund and Floating rate Fund

Monthly

Quarterly

Yearly

Daily

Weekly

Monthly

For G-Sec Fund

For Index Fund

Regular

Sensex

Sensex Advantage

PF

Nifty

RM CODE

Mb

Mb

O. P

AY

ME

NT

DE

TAIL

S

CORPORATE OFFICELIC Mutual Fund4th Floor, Industrial Assurance BuildingOpp. Churchgate Station, Churchgate,Mumbai – 400 020Phone : 22812038Fax : 22040039/ 22880633e-mail : [email protected]

• AHMEDABAD 079-26588301 / 65431989 ; 9375090006 / 9924403147 • BANGALORE 080-22210180 / 22295598 ; 9845172957 / 9972092957 /9986500721 • BHUBANESHWAR 0674-2390694 ; 9438132162 /9438081037 / 9438526420 • CHENNAI 044-28411984 / 28555883 ; 9382315850 /9940286305 / 9962526278 / 9940178266 • DEHRADUN 0135 - 2668347 ; 9410702598 / 9412039057 / 9410702598 • ERNAKULAM 0484-2367643 ;9895036554 / 9745612888 / 9946710555 • GOA 0832-2420561 ; 9421151400 / 9890711551 / 9370643076 / 9673682722 • GUWAHATI 0361 - 2735323 ;9435040478 / 9707021706 • HYDERABAD 040-23244445 / 23210572 ; 9392471583 / 9000444850 / 9000550850 • INDORE 0731-2520262 / 4069162 ;9753242050 / 9425870126 / 9981511435 • JAIPUR 0141-5112620 ; 9460873120 / 9829098323 / 9929095005 • KANPUR 0512-2360240 / 3244949 ;9839923499 / 9984006600 / 9838038440 / 9918971258 / 9889085736 • KOLKATA 033-22129455 / 65290605 ; 9432128113 / 9830689965 / 9836072229 /9831983005 / 9474424374 / 9339531895 / 9231407611 • LUCKNOW 0522-2231186 ; 9415060134 / 9450661015 / 9453016072 / 9005056048 • LUDHIANA0161 - 2405805 / 2405806 ; 9814703558 / 9888320209 / 9872106060 • MADURAI 0452 - 2535105 ; 9442109039 / 9655505105 • MANGALORE 0824 -2411482 ; 9845190466 / 9980950466 • MUMBAI - I 022-22885971 / 22851659 ; 9324543832 / 9320012110 / 9930822601 / 9892550455 / 9930957772 /9870775600 • MUMBAI - II 022-22851660 ; 9820002994 / 9967655060 / 9371617717 / 9619575895 • NAGPUR 0712 - 2542497 ; 9422113800 / 9975724030/ 9922402272 • NASHIK 0253-2579507 ; 9922996155 / 9823366379 • NEW DELHI 011-23359190/23314396 ; 9716481681 / 9818610867 / 9818630124 /9811108744 / 9818191263 / 9891736008 / 9871814850 • PATNA 0612-2501157/6452757 ; 9470610695 / 9431023274 / 9431037251 / 9234600411 •PUNE 020 - 25537301 ; 9822474487 / 9325523480 / 9767868611 • RAIPUR 0771-2236780/4051137 ; 9329731077 / 9329100009 / 9407646661 • RANCHI0651-2206372 ; 9470524099 / 9334768543

All future communications in connections with this applications should be addressed to the authorised centre where the application alongwith the subscription was submitted, quoting full name ofthe Sole/First applicant and the Application Serial Number.

Cheque DD No. Amount of investment(i) PIF NO.

Date DD Charges if any (ii) LODG. DATE

Bank Net Amount Paid (i-ii) LODG. BANK

Type of A/c. Current Saving NRO NRE FCNR OTHERS

Switch- out Scheme Name: Folio No.P. SWITCH IN

Option: Growth / Dividend Units

Q. NOMINATION FORMNominee’s Full Name (Mr./Mrs)

Nominee’s Address

Second Nominee’s Full Name(Mr./Mrs)

Third Nominee’s Full Name(Mr./Mrs)

Name of Parent /Guardian (in case Nominee is a Minor) Date of Birth of Nominee (If Minor)

DD MM YYAddress of Parent/ Guardian

R. ADDITIONAL INFORMATION FOR LICMF ULIS ONLY(I) REGULAR PREMIUM (ii) SINGLE PREMIUM

TERM : 10 years 15 years REDUCING COVER UNIFORM COVER TERM: 5Years 10YearsTARGET AMOUNT : Rs. (Rs. ) TARGET AMOUNT : RS. MODE OF CONTRIBUTION: Yearly Half yearly Monthly * CONTRIBUTION AMOUNT : Rs. (Rs. )(Rs. )

HEALTH QUESTIONAIRE

Do you have a regular income (YES/NO) At present are you of sound health? (YES/NO)

Have you ever suffered from any of the following diseases?

Hypertension Insanity Diabetes Paralysis Tuberculosis Cancer (Yes/No.)

Do you have any Physical deformity or handicap (YES/NO)? If YES ,please give the following details.

1. Date of occurrence 2.. Extent of deformity 3. Present Condition.

Are you already a member of LIC MF ULIS? (YES/NO) If yes please give the total of Target amounts under both options for such earlier memberships in force:

Declaration by applicant:

Having read and understood the provisions of LICMF ULIS Scheme, I agree to abide by the same and hereby apply for the membership of the scheme as a citizen of India. I declare that the Total Target amountsof all my memberships under both options of ULIS scheme, including the one being applied for ,do not exceed Rs. 15 lakhs. I also hereby declare that I am in good health and free from disease, that I have nothad any serious illness or major operation for the last 5 years and that no proposal of insurance to my life to the LIC of India or any other life insurer has ever been deferred/declined.

I further declare that to the best of my knowledge the foregoing statements and answers are true and correct in every particular and the said statements and this declaration shall be the basis of my admissionto the LIC MF ULIS Scheme of LIC Mutual Fund.

Date : Place Signature of First Applicant.

The applicant has completed and signed the application in my presence. From his/her appearance and to the best of my judgment, I find that he /she is in good health and eligible for insurance.

Signature of Authorised Witness Date : Place

Name of Authorised Witness Official Seal

Status : ( AMC Official/Karvy Official /ARN Holder)

DECLARATION

To,LIC Mutual FundDear Sirs,Having read and understood the Scheme Information Document and conditions of LIC Mutual Fund – Common Application Form. I/We hereby apply for its units and agree to abide by the terms and conditionsof the Scheme and any amendments thereof. “ I/We have understood the detail of the scheme and I/We have not received or being induced by any rebate or gifts, directly or Indirectly, in making this investments”.“I/We confirm that I/We have not received and will not receive any commission or brokerage or any other incentive in any form, directly or indirectly for subscribing to the scheme”(Non Residents Indians only) I/We confirm that I am/We are Non-residents of Indian Nationality/origin and that I/We have remitted funds from abroad through approved banking channels or form funds in my/our Non-Resident External /FCNR account.I undertake to comply with SEBI (Central Database of Market Participants) Regulation 2003 (MAPIN) and circulars and notifications issued thereunder and as may be amended from time to time by SEBI.The ARN holder has disclosed to me/us all the commissions (in the form of trail commission or any other mode), payable to him for the different competing Schemes of various Mutual Funds from amongst which the Schemeis being recommended to me/usDate : Place :

SIGNATUREOF First Applicant/ Parent or Guardian/ Second Applicant/ Third Applicant/

APPLICANTS Karta of HUF/Authorised Signatory Holder Power of Attorney Holder Power of Attorney Holder

PIN TEL. NO E-MAIL ID


M/s. Karvy Computershare Pvt. Ltd.Unit : LIC Mutual FundKarvy Plaza, House No. 8-2-596,Avenue 4, Street No. 1,Banjara Hills, Hyderabad-500 034.Tel.: 23312454/ 44338155Fax : 23388705

REGISTRARSAREA OFFICES

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SERIAL NO. CAF

H. Mode of Holding

1 Single

2 Joint

3 First Holder orSurvivor(s)

4 Any one or Survivor(s)

1. Occupation of Sole/First Applicant/Parentof Guardian Minor.

1. Professional

2 . Service

3. Business

4. Agriculture

5 Housewife

6 Retired

7 Student

8 Others

(TO BE FILLED IN BY THE APPLICANT) SERIAL NO. CAFReceived an application for purchase of units of LICMF

(Scheme Name with option)from Mr/Mrs/M/s. alongwith

(Name of the Investor)Cheque /Draft No. Dated Drawn on

For Rs. excludingBank Charges(in cases of Draft) of Rs. Date

Signature, Stamp & Date

Date of Birth(Compulsory for ULIS & Minor)*

DD YY MM

N.

INV

ES

TM

EN

TD

ETA

ILS

(*please refer instruction no.23)




ARN No.

NAME

Tel. No.

(PLEASE READ INSTRUCTIONS BEFORE FILLING UP THE FORM)(FILL IN ALL THE PARTICULARS IN CAPITAL LETTERS. DO NOT SPLIT THE WORD, USE NEXT LINE)

A. EXISTING UNITHOLDERS INFORMATION : (If you have existing folio, please fill in your Folio Number /Account Numbercomplete details in section G and proceed to section N,.Refer Instruction No. 3.)Folio No./Account No.

B. Name of Sole /First Applicant

C. Name of Parent or Guardian in case Sole/ First Applicant is a Minor

D.i) Address in full of Sole /First Applicant /Parent or Guardian of Minor(Strike off whichever is not applicable)

PIN STATE TEL. NO. MOBILE NO. E-mail –ID

D.ii) Foreign Address of Non-Resident Indian (NRI)

E. Name of the Second Applicant

F. Name of the Third Applicant

G. PAN AND KYC COMPLIANCE STATUS DETAILS ( Mandatory)PAN * (Refer instruction No. 8) KYC Compliance ** (if Yes, attach proof)

First/Sole Applicant/ Yes No.Guardian ***Second Applicant Yes No.

Third Application Yes No.

*Attach PAN Proof, If PAN is already validated, don’t attach any proof, ** Refer instruction No. 10, *** If the Sole/ First Appliants is a minor, thenstate detail of guardian

J. Status of Sole /First Applicant (Please tick whichever is applicable)

Resident Individual Karta of HUF Minor through Guardian Company Body Corporate Trust Society

Association of Persons/Body of individuals Bank & FIs NRI –Repatriable NRI- Non- Repatriable Others.

K. BANK ACCOUNT DETAILS: (Please note that as per SEBI Regulations, it is mandatory for investors to provide their bank account details)

Name of the Bank Name of the Branch

Account No. Bank City Pin Code

Type of A/c. Current Saving NRO NRE FCNR NRSR OTHERS

9.Digit Code No. of the bank appearing in MICR Band for ECS PAYMENT

RTGS: IFSC CODE

E-mail Communication (refer instruction no.24) I/we wish to receive the statement of account via E-mail Physical

L. PAYMENT OF DIVIDEND /REMPTION (Please refer instructions no. 22 & 25)

M. TO BE FILLED IN IF APPLICATON IS FROM AN INSTITUTION OR FOR THUMB IMPRESSION ATTESTATION (Refer Instruction No. 6&7)

Name of Authorised Signatory/ Attestor Designation/ Occupation Signature

1. 1. 1.

2. 2. 2.

1 2 3 4 5

8 9 10 11

6 7

12


ACKNOWLEDGEMENT SLIP


Scheme Name OptionPlan

Growth Div. Payout Div. reinvestment

DIV. PAYOUT/REINVESTMENT MODE (Refer Inst. 25)

for MIPs for LICMF Liquid Plus Fund , Savings Plus Fund and Floating rate Fund

Monthly

Quarterly

Yearly

Daily

Weekly

Monthly

For G-Sec Fund

For Index Fund

Regular

Sensex

Sensex Advantage

PF

Nifty

RM CODE

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O. P

AY

ME

NT

DE

TAIL

S

CORPORATE OFFICELIC Mutual Fund4th Floor, Industrial Assurance BuildingOpp. Churchgate Station, Churchgate,Mumbai – 400 020Phone : 22812038Fax : 22040039/ 22880633e-mail : [email protected]

• AHMEDABAD 079-26588301 / 65431989 ; 9375090006 / 9924403147 • BANGALORE 080-22210180 / 22295598 ; 9845172957 / 9972092957 /9986500721 • BHUBANESHWAR 0674-2390694 ; 9438132162 /9438081037 / 9438526420 • CHENNAI 044-28411984 / 28555883 ; 9382315850 /9940286305 / 9962526278 / 9940178266 • DEHRADUN 0135 - 2668347 ; 9410702598 / 9412039057 / 9410702598 • ERNAKULAM 0484-2367643 ;9895036554 / 9745612888 / 9946710555 • GOA 0832-2420561 ; 9421151400 / 9890711551 / 9370643076 / 9673682722 • GUWAHATI 0361 - 2735323 ;9435040478 / 9707021706 • HYDERABAD 040-23244445 / 23210572 ; 9392471583 / 9000444850 / 9000550850 • INDORE 0731-2520262 / 4069162 ;9753242050 / 9425870126 / 9981511435 • JAIPUR 0141-5112620 ; 9460873120 / 9829098323 / 9929095005 • KANPUR 0512-2360240 / 3244949 ;9839923499 / 9984006600 / 9838038440 / 9918971258 / 9889085736 • KOLKATA 033-22129455 / 65290605 ; 9432128113 / 9830689965 / 9836072229 /9831983005 / 9474424374 / 9339531895 / 9231407611 • LUCKNOW 0522-2231186 ; 9415060134 / 9450661015 / 9453016072 / 9005056048 • LUDHIANA0161 - 2405805 / 2405806 ; 9814703558 / 9888320209 / 9872106060 • MADURAI 0452 - 2535105 ; 9442109039 / 9655505105 • MANGALORE 0824 -2411482 ; 9845190466 / 9980950466 • MUMBAI - I 022-22885971 / 22851659 ; 9324543832 / 9320012110 / 9930822601 / 9892550455 / 9930957772 /9870775600 • MUMBAI - II 022-22851660 ; 9820002994 / 9967655060 / 9371617717 / 9619575895 • NAGPUR 0712 - 2542497 ; 9422113800 / 9975724030/ 9922402272 • NASHIK 0253-2579507 ; 9922996155 / 9823366379 • NEW DELHI 011-23359190/23314396 ; 9716481681 / 9818610867 / 9818630124 /9811108744 / 9818191263 / 9891736008 / 9871814850 • PATNA 0612-2501157/6452757 ; 9470610695 / 9431023274 / 9431037251 / 9234600411 •PUNE 020 - 25537301 ; 9822474487 / 9325523480 / 9767868611 • RAIPUR 0771-2236780/4051137 ; 9329731077 / 9329100009 / 9407646661 • RANCHI0651-2206372 ; 9470524099 / 9334768543

All future communications in connections with this applications should be addressed to the authorised centre where the application alongwith the subscription was submitted, quoting full name ofthe Sole/First applicant and the Application Serial Number.

Cheque DD No. Amount of investment(i) PIF NO.

Date DD Charges if any (ii) LODG. DATE

Bank Net Amount Paid (i-ii) LODG. BANK

Type of A/c. Current Saving NRO NRE FCNR OTHERS

Switch- out Scheme Name: Folio No.P. SWITCH IN

Option: Growth / Dividend Units

Q. NOMINATION FORMNominee’s Full Name (Mr./Mrs)

Nominee’s Address

Second Nominee’s Full Name(Mr./Mrs)

Third Nominee’s Full Name(Mr./Mrs)

Name of Parent /Guardian (in case Nominee is a Minor) Date of Birth of Nominee (If Minor)

DD MM YYAddress of Parent/ Guardian

R. ADDITIONAL INFORMATION FOR LICMF ULIS ONLY(I) REGULAR PREMIUM (ii) SINGLE PREMIUM

TERM : 10 years 15 years REDUCING COVER UNIFORM COVER TERM: 5Years 10YearsTARGET AMOUNT : Rs. (Rs. ) TARGET AMOUNT : RS. MODE OF CONTRIBUTION: Yearly Half yearly Monthly * CONTRIBUTION AMOUNT : Rs. (Rs. )(Rs. )

HEALTH QUESTIONAIRE

Do you have a regular income (YES/NO) At present are you of sound health? (YES/NO)

Have you ever suffered from any of the following diseases?

Hypertension Insanity Diabetes Paralysis Tuberculosis Cancer (Yes/No.)

Do you have any Physical deformity or handicap (YES/NO)? If YES ,please give the following details.

1. Date of occurrence 2.. Extent of deformity 3. Present Condition.

Are you already a member of LIC MF ULIS? (YES/NO) If yes please give the total of Target amounts under both options for such earlier memberships in force:

Declaration by applicant:

Having read and understood the provisions of LICMF ULIS Scheme, I agree to abide by the same and hereby apply for the membership of the scheme as a citizen of India. I declare that the Total Target amountsof all my memberships under both options of ULIS scheme, including the one being applied for ,do not exceed Rs. 15 lakhs. I also hereby declare that I am in good health and free from disease, that I have nothad any serious illness or major operation for the last 5 years and that no proposal of insurance to my life to the LIC of India or any other life insurer has ever been deferred/declined.

I further declare that to the best of my knowledge the foregoing statements and answers are true and correct in every particular and the said statements and this declaration shall be the basis of my admissionto the LIC MF ULIS Scheme of LIC Mutual Fund.

Date : Place Signature of First Applicant.

The applicant has completed and signed the application in my presence. From his/her appearance and to the best of my judgment, I find that he /she is in good health and eligible for insurance.

Signature of Authorised Witness Date : Place

Name of Authorised Witness Official Seal

Status : ( AMC Official/Karvy Official /ARN Holder)

DECLARATION

To,LIC Mutual FundDear Sirs,Having read and understood the Scheme Information Document and conditions of LIC Mutual Fund – Common Application Form. I/We hereby apply for its units and agree to abide by the terms and conditionsof the Scheme and any amendments thereof. “ I/We have understood the detail of the scheme and I/We have not received or being induced by any rebate or gifts, directly or Indirectly, in making this investments”.“I/We confirm that I/We have not received and will not receive any commission or brokerage or any other incentive in any form, directly or indirectly for subscribing to the scheme”(Non Residents Indians only) I/We confirm that I am/We are Non-residents of Indian Nationality/origin and that I/We have remitted funds from abroad through approved banking channels or form funds in my/our Non-Resident External /FCNR account.I undertake to comply with SEBI (Central Database of Market Participants) Regulation 2003 (MAPIN) and circulars and notifications issued thereunder and as may be amended from time to time by SEBI.The ARN holder has disclosed to me/us all the commissions (in the form of trail commission or any other mode), payable to him for the different competing Schemes of various Mutual Funds from amongst which the Schemeis being recommended to me/usDate : Place :

SIGNATUREOF First Applicant/ Parent or Guardian/ Second Applicant/ Third Applicant/

APPLICANTS Karta of HUF/Authorised Signatory Holder Power of Attorney Holder Power of Attorney Holder



M/s. Karvy Computershare Pvt. Ltd.Unit : LIC Mutual FundKarvy Plaza, House No. 8-2-596,Avenue 4, Street No. 1,Banjara Hills, Hyderabad-500 034.Tel.: 23312454/ 44338155Fax : 23388705

REGISTRARSAREA OFFICES

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Salutation Mr. Mrs.

Folio/Account Number(for existing investor)

LIC MUTUAL FUND

Industrial Assurance Bldg., 4th Floor, Opp. Churchgate Station, Mumbai- 400 020Phone : 022 - 22812038, Fax : 022 - 22040039/ 22880633, Website : www.licmutual.com.(Please use separate Enrolment Form for each Scheme. A Photocopy of this form is valid)

Systematic Investment Plan through Cheque Normal SIP Micro SIP



ARN No.NAME

Tel. No.

New Investors* Existing Investor (Please teak as appplicable)

I/We hereby apply to the LIC MUTUAL FUND TRUSTEE CO. PVT. LTD. for a Systematic Investment Plan (SIP) through postdated cheque payment underthe following Scheme and agree to abide by the terms, conditions, rules and regulations of the scheme(S) mentioned overleaf as on the date of this investment.

Name of Sole /First Account Holder

Folio/ Account Number (For existing investor)( * New investors are required to complete and submit a Common Application Form also)

Frequency Monthly Quarterly(Please tick as applicable)

Amount of each SIP Cheque (minimum SIP Amount per Cheque should be Rs. 100/-/ 500/- conditions apply* See Inst. No. 23)

SIP Date 1st 7th 10th 15th Account Type : Saving Current

Cheque No.(s) Dated 1/7/10/15 of every Amount (Rs.) Cheque No. (s) Dated 1/7/10/15 of every Amount (Rs.)month/quarter month/quarter

1. ....................... .................../............/................ ....................... 7. ....................... ................../............/............. .......................

2. ....................... .................../............/................ ....................... 8. ....................... ................../............/............. .......................

3. ....................... .................../............/................ ....................... 9. ....................... ................../............/............. .......................

4. ....................... .................../............/................ ....................... 10. ....................... ................../............/............. .......................

5. ....................... .................../............/................ ....................... 11. ....................... ................../............/............. .......................

6. ....................... .................../............/................ ....................... 12. ....................... ................../............/............. .......................


*Total Cheque Total Amount Rs. Enrolment Period FROM --------/-------- (mm/yy) TO --------/-------- (mm/yy)

Drawn Bank Branch

DECLARATION AND SIGNATURESI/We have read and understood the contents of the offer documents of the scheme wherein Systematic Investment Plan is opted and also the instructions on the SIP given overleaf. I/We have neither receivednor been induced by any rebate or gift, directly, in making the investment. I/We hereby authorise the fund to act as per the details above.I undertake to comply with SEBI (Central Database of Market Participants) Regulation 2003 (MAPIN) and circulars and notifications issued thereunder and as may be amended from time to time by SEBI.The ARN holder has disclosed to me/us all the commissions (in the form of trail commission or any other mode), payable to him for the different competing Schemes of various Mutual Funds from amongst whichthe Scheme is being recommended to me/usI/We declare that I/We don’t have any existing Micro SIPs which together with the current application will result in aggregate investments exceeding Rs.50,000/- in a year. (Applicable for Micro SIP)

SYSTEMATIC TRANSFER PLAN (STP) ENROLMENT FORM (Read Instructions Overleaf)Name of Sole/First Applicant (Leave space between first/middle/last name)

STP Date 1st 7th 10th 15th

Application Number

Enrolment From : ToTransfer From :

Scheme Name Plan

Amount OR Capital Appreciation

Frequency : WEEKLY MONTHLY QUATERLY HALF YEARLYTransfer To: Scheme NameFolio/Account Number(for existing investor) Plan

SIGNATURESole/firstApplicant

SecondApplicant

ThirdApplicant

(All applicants shall sign if the mode of holding is joint)SIGNATURE

*Kindly refer terms & conditions no.23 given overleaf

Sole/FirstApplicant

SecondApplicant

ThirdApplicant

Name of Second HolderSIP Details: Scheme Plan OptionFor MICRO SIP Cases (Rfere Instruction No.26 overleaf)DOB 1

st Holder 2

nd Holder

Supporting Document 1st Holder 2

nd Holder

Reference Number(if any) 1st Holder 2

nd Holder

RM CODE

TERMS & CONDITIONS (SIP THROUGH CHEQUE)

1. SIP is not available during the NFO period of the scheme.

2. SIP enrolment has to be filled in with details of advance cheques deposited along with a fresh application for SIP

3. The enrolment form given overleaf shall be filled properly and completely.

4. Use one form for one scheme. A photocopy of the form may be used for this purpose.

5. Non MICR/Outstation post dated cheques will not be accepted. SIP requests are accepted at all our area offices/business centers/karvy centers.

6. Post dated Cheques have to be deposited along with request for SIP. Multiple Cheques for the same date are not allowed.

7. The cheque numbers of the post dated cheques shall be continuous without any break. If cheques are to be drawn on more than one bank then for each bank the details are to be provided.

8. All Cheques are to be dated for either 1/7/10/15 of every month. The first cheque may be dated according to the date of application.

9. The amount of each post dated Cheque should be same.

10. The cheque shall be drawn in favour of the scheme clearly.

11. The aggregate SIP investments shall not be below minimum investment requirements for the scheme.

12. After completion of accounting of the initial post dated advance cheques submitted by the investor, a fresh set of advance Cheques may be tendered again under the same folio.

13. The post dated Cheques will be deposited for collection on the designated date of the Cheque. There will be no separate intimation at that time. In case of cheque dishonor at any time whenthey are due for lodgment, Rs. 100/- will be debited to the investor account. This will be debited in terms of units with NAV of the day when the bank informs of the Cheque dishonor.

14. The applicant shall write the application number/folio number on the back side of each advance cheque.

15. Separate folio will be allotted for units purchased under SIP.

16. Consolidation of folios – among SIP or SIP and non- SIP is not allowed.

17. NAV of the date of the postdated cheque will be applied for purchase of units. If there is no NAV on the Cheque date, the NAV of the following business day as per the rules in force at that pointof time will be applied.

18. SIP requests are accepted at all our area offices/business centre. The names of the area offices/ business centres may be obtained from any of our chief agent/agents, from the statement ofaccount, or from the website www.licmutual.com.

19. A minimum balance of units worth Rs.1000 shall be maintained at all times during the currency of the plan.

20. Investors may discontinue SIP plan at any time by sending a clear notice of 30 days form the due date of the first unadjusted cheque. The notice in writing shall reach the designated centre.On termination, the balance post dated cheques will be returned to the investor.

21. The main application form for SIP shall accompany the enrolment form.

22. If there is ambiguity in the details provided or if the application for SIP is incomplete or incomprehensive, SIP will be rejected and there will be no separate communication on rejection.

23. Minimum investments: #

SIP Mode Amount of post dated Cheques Min. No. of Post dated Cheques required Min. Initial subscription amount

Monthly From Rs. 100/-* / Rs. 500/- upto Rs. 1000/- 11 Rs. 100/-* / Rs. 500/-

> Rs. 1000/- 5 Rs. 1000/-

Quarterly Minimum Rs. 1000/- 3 As per offer document & subsequent addendum

* Minimum subscription amount is Rs. 100 ONLY in respect of all equity schemes.# Are subject to changes at short notice. For details visit our website or contact at any of our area Offices /Business Centers

24. SEBI has made it mandatory for all applicants including joint holders and guardian to mention his/her Permanent Account Number(PAN) irrespective of the amount of purchase (fresh, additional,SIP). In order to verify that the PAN of the applicants (in case of application in joint names, guardian in case of minor, each of the applicants) has been duly and correctly quoted therein, theapplicants shall attach a photocopy of the PAN card duly attested by the distributor/ agent(AMFI registered ) through whom the application is effected or by Bank Manager or Notary or InvestorService Centres of LIC Mutual Fund or ISCs of Karvy. Attestation will be done after verification with the original PAN card. Applications not accompanied with the above requirements are liableto be rejected. Additionally, in the event of any application form being subsequently rejected for mismatch of a applicant’s PAN details with the details on the Website of the Income TaxDepartment, the investment transaction will be cancelled and the amount may be redeemed at the applicable NAV, subject to payment of exit load, if any, and recovery of unamortized NFOexpenses. For further details contact any of our area offices/business centers

25. KYC to be complied as per SEBI Regulations.26. As regards MICRO SIP, investors are requested to go through the below mentioned terms and conditions in addition to above.

1) In compliance with SEBI Letter No. MRD/DoP/PAN/PM/166999/2009, dated June 19, 2009 issued to AMFI and subsequent guidelines issued by AMFI in this regard, effective from 01/08/2009,SIPs upto Rs.50,000/- per year per investor i.e. aggregate of installments in a rolling 12 months period or in a financial year (to be referred as ‘Micro SIP’) shall be exempt from the requirementof PAN as a proof of identification.

2) This exemption will be applicable ONLY to investments by individuals (includingNRIs but not PIOs), Minors and Sole Proprietary firms. HUFs and other categories will not be eligible for MICRO SIPs.3) Investor (including joint holders) will submit a photocopy of any one of 1) Voter Identity Card / Driving License /Government / Defence Identification Card / Passport / Photo Ratio Card / Photo

Debit Card / Employee ID cards issued by Companies registered with Registrar of Companies) / Photo Identification issued by Bank Managers of Scheduled Commercial Banks / GazettedOfficer / Elected Representatives to the Legislative Assembly / Parliament / ID Card issued to employees of Scheduled Commercial / State / District Co-operative Banks / Senior Citizen /Freedom Fighter ID card issued by Government / Cards issued by Universities / deemed Universities or institutes under statutes like ICAI, ICWA, ICSI / Permanent Retirement Account No.(PRAN) cardissued to New Pension System (NPS) subscribers by CRA (NSDL) / Any other photo ID card issued by Central Government / State Governments / Municipal authorities / Governmentorganizations like ESIC / EPFO, for availing the MICRO SIP facility as a supporting document and same must be current and valid and shall be self attested by the investor / attested by theARN holder mentioning the ARN Number.

4) Investor has to give a declaration that he does not any existing Micro SIPs which together with the current application will result in aggregate investments exceeding Rs.50,000/- in a year.5) For details contact our Area Offices / Business Centers / Karvy

TERMS & CONDITIONS (STP)

1. Any new investor who wish to opt for Systematic Transfer Plan should fill this form separately along with the main application form quoting all the details clearly in this form; whereas existinginvestor can fill only this enrollment from giving their name, folio number, and details related to systematic transfer.

2. Systematic Transfer Plan will not be available for schemes with lock-in period in it during stipulated lock-in period respectively.

3. STP is effected on the dates choosen viz. 1st / 7th / 10th / 15th of the month based on the frequency. However, in case of weekly frequency, STP is effected on the Friday of the week following theweek in which the original STP application is received at Karvy Center.

4. Please mention the scheme name from which and to such transfer is to be effected with clearly mentioning the plan name. If you don’t have account in the scheme in which you want to transferyour money, please fill the separate common application form to open an account in the scheme.

5. Each transfer will be treated a redemption from which funds are to be transferred and repurchase price will be calculated taking into account the applicable load, if any.

6. The Plan will automatically be terminated once there are no units in the accounts from which transfer is to effect. An investor can change the amount / frequency of transfer with the help ofwritten request to any of our agents.

7. Fresh account statement will be sent to the investor once the transfer is affected.

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LIC Mutual Fund trustee Co. Pvt. Ltd./Authorised CentreSignature & Stamp

LIC MUTUAL FUND

Industrial Assurance Bldg., 4th Floor, Opp. Churchgate Station, Mumbai- 400 020Phone : Phone : 022 - 22812038, Fax : 022 - 22040039/ 22880633, Fax : 022 - 22040039, Website : www.licmutual.com.

(Please use separate Enrolment Form for each Scheme. A Photocopy of this form is valid)

Systematic Investment Plan through ECS/DIRECT DEBIT Normal SIP Micro SIP

Name of the Authorised Centre: FOR OFFICE USE ONLYAGENT/ BROKER SUB-BROKER CODE

(IF any)ARN No.NAME

Tel. No.

New Investors* Existing Investor (Please teak as appplicable)

I/We hereby apply to the LIC MUTUAL FUND TRUSTEE CO. PVT. LTD. for a Systematic Investment Plan (SIP) through ECS/Direct Debit under the followingScheme and agree to abide by the terms, conditions, rules and regulation of the scheme(S) mentioned overleaf as on the date of this investment.

Name of Sole /First Account Holder

Folio/ Account Number (For existing investor)( * New investors are required to complete and submit a Common Application Form also)

Frequency Monthly Quarterly(Please tick as applicable) SIP Date 1st 15th 25th

SIP Amount Rs. (per installment)

SIP Period from to (For minimum period and SIP amount, please refer point No. 17overleaf)

D D M M Y Y Y Y D D M M Y Y Y YI/We authorise LIC Mutual Fund Trustee Co. Pvt. Ltd. or their authorised service providers to Debit my/ our account listed below by ECS (ElectronicClearing Services) for collection of SIP Payments and confirm that the Funds invested belongs to me/us. I/We have not received nor been induced by anyrebate or gifts, directly or indirectly in making this investment

Bank NameBranch NameAddress

CityAccount Number9 Digit MICR Code

Mandatory Enclosures :Cancelled Cheque or photocopy ofCheque, duly signed by the applicant/sFirst SIP via Cheque

Cheque NO. Date Amount(Rs.)

Account Type Saving Current CC(Please tick as applicable)

**Banker’s Attestation:Certified that the Signature of account holder and the details of Bankaccount are correct as per records.:

Signature of Authorised Official from the Bank(Bank Stamp and Date)

Bank Account Number

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Name of Second HolderSIP Details: Scheme Plan OptionFor MICRO SIP Cases (Refer Instruction No. 19 overleaf )DOB 1

st Holder 2

nd Holder

Supporting Document 1st Holder 2

nd Holder

Reference Number(if any) 1st Holder 2

nd Holder

Acknowledgement Slip for SIP through ECS (To be filled in by investor)Investor’s Name

Folio/ Account Number

Scheme

SIP Amount (Rs. ) Frequency: Monthly Quarterly(please tick as applicable)

Authorisation of the Bank Account holderThis is to inform that I/We have registered for the RBI’s Electronic Clearing Service (Debit Clearing) and that my/our payments towards my/our investmentin LIC Mutual Fund Trustee Co. Pvt. Ltd. shall be made from my/our below mentioned Bank Account with your bank. I/We authorise the representativecarrying the ECS Mandate Form to get it verified & executed.Signature1st Sole/First Applicant/Guardian2nd Applicant 3rd Applicant

I/We hereby declare that the particulars given above are correct and complete. If the transaction is delayed or not effected at all for reasons of incomplete information, I/We will not hold LIC MutualFund Trustee Co. Pvt. Ltd. responsible. I/We further undertake that any changes in my/our Bank details will be informed to the fund immediately. I/We have read and agreed to the terms and conditionsmentioned overleaf. I/We have read & understood the contents of the offer document of the scheme wherein Systematic Investment Plan is obtained.The ARN holder has disclosed to me/us all the commissions (in the form of trail commission or any other mode), payable to him for the different competing Schemes of various Mutual Funds fromamongst which the Scheme is being recommended to me/usI/We declare that I/We don’t have any existing Micro SIPs which together with the current application will result in aggregate investments exceeding Rs.50,000/- in a year. (Applicable for Micro SIP)

Signature1st Sole/First Applicant/Guardian2nd Applicant3rd ApplicantMinor Name Minor’s DOB**Bank attestation mandatory if copy of Cheque is not enclosed or for payable at par Cheques.

RM CODE

TERMS & CONDITIONS

SIP Payment through Electronic Clearing Services

1. The facility of SIP payment through Electronic Clearing Service (ECS) Debit of the Reserve Bank of India is available only to the investors having bank account in select cities only. For details ofselected cities, please refer to our Area Offices / Business Centers / Karvy Centers. The facility of Direct Debit is available only with the banks with which LICMF AMC has tie up for Direct Debit.For details of banks please refer to our Area Offices / Business Centers / Karvy Centers. The list of cities for ECS Debit and list of banks for Direct Debit may be modified / updated / changed / removedat any time in future entirely at the discretion of LIC Mutual Fund Trustee Co. Pvt. Ltd. without assigning any reasons or prior notice. SIP instructions for investors in such cities and banks viz ECSroute will be discontinued.

2. New investors who wish to enroll for SIP through ECS should also fill up the Common Application Form in addition to this form.

3. Investors must provide a cancelled Cheque or copy thereof, duly signed by the applicant/s and the first investment must be by means of Cheque from the account where ECS Debit is to beaffected. Bankers attestation is mandatory if no Cheque is provided or for Payable At Par Cheques

4. Existing investors must provide their Account Number and need not fill up a Common Application Form.

5. For Further details of the Scheme features like minimum amount, risk factors etc., investors should, before investment , refer to the offer Documents, Key Information Memorandum and Addendaissued till date, available free of cost at any the area offices/business centers or distributors or from website www.licmutual.com

6. The SIP through ECS Form, and the Common Application Form (in case of new investors), along with the necessary Cheque or copy thereof should be submitted at least 15 days in advanceof the date of the first ECS Debit Transaction.

7. The bank branch provided for ECS should participate in the local MICR clearing. The investor shall inform his/her Banker about the ECS mandate and LIC Mutual Fund Trustee Co. Pvt. Limitedwill not be liable for any transaction failures due to rejection by the investor’s bank/branch.

8. SIP through ECS is presently available on 1st/15th/ 25th of the Month. If any other date is mentioned, the nearest date will be automatically fixed. In case these days are non business days forthe scheme, then SIP will be processed for the next business day’s NAV related price.

9. The Investor agrees to abide by the terms and conditions of ECS facility of Reserves Bank of India(RBI)

10. Investor will not hold LIC Mutual Fund Trustee Co. Pvt. Limited and its service providers responsible if a transaction is delayed or not delayed or not effected by the investor’s Bank or if debitedin advance or after the specified SIP date due to various reasons.

11. LIC Mutual Fund Trustee Co. Pvt. Limited reserves the right to reverse the allotments in case a ECS debit is rejected by the Bank for any reason whatsoever.

12. LIC Mutual Fund Trustee Co. Pvt. Limited shall not be responsible and liable for any damages/compensation for any loss, damage etc., incurred by the investor. The investor assumes theentire risk of using the ESC facility and takes full responsibility for the same.

13. The AMC/LIC Mutual Fund Trustee Co. Pvt. Limited reserves the right to discontinue or modify the SIP facility at any time in future on a prospective basis.

14. LIC Mutual Fund Trustee Co. Pvt. Limited reserves the right to discontinue the SIP in case of suspension of direct debit through ECS or in case a direct debit through ECS is rejected by theinvestor’s bank for any reason. For load structure refer to our area offices/business centers at the addresses available on our website www.licmutual.com.

15. LIC Mutual Fund Trustee Co. Pvt. Limited reserves the right to reject any application without assigning any reason thereof.

16. SEBI has made it mandatory for all applicants including joint holders and guardian to mention his/her Permanent Account Number (PAN) irrespective of the amount of purchase (fresh, additional,SIP). In order to verify that the PAN of the applicants (in case of application in joint names, guardian in case of minor, each of the applicants) has been duly and correctly quoted therein, theapplicants shall attach a photocopy of the PAN card duly attested by the distributor/ agent (AMFI registered) through whom the application is effected or by Bank Manager or Notary or InvestorService Centres of LIC Mutual fund or ISCs of Karvy. Attestation will be done after verification with the original PAN card. Applications not accompanied with the above requirements are liableto be rejected. Additionally, in the event of any application form being subsequently rejected for mismatch of applicant’s PAN details with the details on the website of the Income Tax Department,the investment transaction will be cancelled and the amount may be redeemed at the applicable NAV, subject to payment of exit load, if any, and recovery of unamortized NFO expenses. ForFurther details contact any of our area offices/business.

17. Minimum Investments:#

SIP Mode Amount of post dated Cheques Min. No. of Post dated Cheques required Min. Initial subscription amountMonthly From Rs. 100/-* / Rs. 500/- upto Rs. 1000/- 11 Rs. 100/-* / Rs. 500/-

> Rs. 1000/- 5 Rs. 1000/-

Quarterly Minimum Rs. 1000/- 3 As per offer document & subsequent addendum

* Minimum subscription amount is Rs. 100 ONLY in respect of all equity schemes.# Are subject to changes at short notice. For details visit our website or contact at any of our area Offices /Business Centers

18. KNOW YOUR CUSTOMER (KYC) COMPLAINCE: In terms of the prevention of Money Laundering act, 2002, the Rules issued there under the guidelines/circulars issued by SEBI regarding the Anti MoneyLaundering (AML Laws), all intermediaries, including Mutual funds, have to formulate and implement a client identifications programme, verify and maintain the records of identity and address(es) of investors.In orders to make the data capture and document submission easy and convenient for the investors, Mutual Fund Industry has collectively entrusted the responsibility of collection of documents relating toidentity and address of the investors(s) to an independent agency (presently CDSL Venture Limited) which will act as central record keeping agency (‘Central Agency’). As a token of having verified the identityand address of the investor(s) and for efficient retrieval of records, the Central Agency will issue a KYC Acknowledgement Letter (previously known as Mutual Fund Identification number –MIN* AllotmentLetter) to each investor who submits an applications and the prescribed documents to the Central Agency. Investors should note that it is mandatory for all applications for subscriptions of value of Rs. 50,000/- and above to quote the KYC Compliance Status of each applicant (guardian in case of minor) in the application for subscriptions and attach proof of KYC Compliance viz. KYC Acknowledgements Letter(or the erstwhile Mutual Fund Identification Number*(MIN) Allotment Letter) . Applicants intending to apply for units through a Power of Attorney (POA) must ensure that the issuer of the POA and the holdermust mention their KYC Compliance Status and attach proof of KYC Compliance at the time of investment above the threshold. The KYC status will be validated with the records of the Central Agency beforeallotting units. LIC Mutual fund will not be held responsible and /or liable for rejection of KYC Form, if any, by the Central Agency. Applications for subscriptions of value of Rs. 50,000/- and above withouta valid KYC compliance may be rejected. Provided further, where it is not possible to verify the KYC compliance status of the investor at the time of allotment of units, the Trustes /AMC shall verify the KYCcompliance status of investor within a reasonable time after the allotment of units. In the event of non- compliance of KYC requirements , the trustee/AMC reserves the right to freeze the folio of the investor(s)and affect mandatory redemption of unitHoldings of the investors at the applicable NAV, subject to payment of exit load, if any and recovery of unamortized NFO expenses. To comply with the KYC norms, documents and information to be provideby the investors are (i) proof of identity (ii) Proof of Address (iii) PAN card (iv) Photograph. For further details contact any of our area offices/ business centers.* Valid only where investors who have alreadyobtained the erstwhile Mutual fund Identifications Number (MIN) by submitting the PAN copy as the proof of identity.

19. As regards MICRO SIP, investors are requested to go through the below mentioned terms and conditions in addition to above.1) In compliance with SEBI Letter No. MRD/DoP/PAN/PM/166999/2009, dated June 19, 2009 issued to AMFI and subsequent guidelines issued by AMFI in this regard, effective from 01/08/2009, SIPs upto

Rs.50,000/- per year per investor i.e. aggregate of installments in a rolling 12 months period or in a financial year (to be referred as ‘Micro SIP’) shall be exempt from the requirement of PAN as a proof ofidentification.

2) This exemption will be applicable ONLY to investments by individuals (includingNRIs but not PIOs), Minors and Sole Proprietary firms. HUFs and other categories will not be eligible for MICRO SIPs.3) Investor (including joint holders) will submit a photocopy of any one of 1) Voter Identity Card / Driving License /Government / Defence Identification Card / Passport / Photo Ratio Card / Photo Debit Card

/ Employee ID cards issued by Companies registered with Registrar of Companies) / Photo Identification issued by Bank Managers of Scheduled Commercial Banks / Gazetted Officer / Elected Representativesto the Legislative Assembly / Parliament / ID Card issued to employees of Scheduled Commercial / State / District Co-operative Banks / Senior Citizen / Freedom Fighter ID card issued by Government / Cardsissued by Universities / deemed Universities or institutes under statutes like ICAI, ICWA, ICSI / Permanent Retirement Account No. (PRAN) cardissued to New Pension System (NPS) subscribers by CRA (NSDL)/ Any other photo ID card issued by Central Government / State Governments / Municipal authorities / Government organizations like ESIC / EPFO, for availing the MICRO SIP facility as a supporting documentand same must be current and valid and shall be self attested by the investor / attested by the ARN holder mentioning the ARN Number.

4) Investor has to give a declaration that he does not any existing Micro SIPs which together with the current application will result in aggregate investments exceeding Rs.50,000/- in a year.5) For details contact our Area Offices / Business Centers / Karvy

• AHMEDABAD 079-26588301 / 65431989 ; 9375090006 / 9924403147 • BANGALORE 080-22210180 / 22295598 ; 9845172957 / 9972092957 / 9986500721 • BHUBANESHWAR 0674-2390694 ; 9438132162 /9438081037 / 9438526420 • CHENNAI 044-28411984 / 28555883 ; 9382315850 / 9940286305 / 9962526278 / 9940178266 • DEHRADUN 0135 - 2668347 ; 9410702598 / 9412039057 /9410702598 • ERNAKULAM 0484-2367643 ; 9895036554 / 9745612888 / 9946710555 • GOA 0832-2420561 ; 9421151400 / 9890711551 / 9370643076 / 9673682722 • GUWAHATI 0361 - 2735323 ; 9435040478 / 9707021706 • HYDERABAD 040-23244445 / 23210572 ; 9392471583 / 9000444850 / 9000550850 • INDORE 0731-2520262 / 4069162 ; 9753242050 / 9425870126 / 9981511435 • JAIPUR 0141-5112620 ; 9460873120 / 9829098323 / 9929095005 • KANPUR 0512-2360240 / 3244949 ; 9839923499 / 9984006600 / 9838038440 / 9918971258 / 9889085736 • KOLKATA 033-22129455 / 65290605 ; 9432128113 / 9830689965 / 9836072229 / 9831983005 / 9474424374 / 9339531895 / 9231407611 • LUCKNOW 0522-2231186 ; 9415060134 / 9450661015 / 9453016072 / 9005056048 • LUDHIANA 0161 -2405805 / 2405806 ; 9814703558 / 9888320209 / 9872106060 • MADURAI 0452 - 2535105 ; 9442109039 / 9655505105 • MANGALORE 0824 - 2411482 ; 9845190466 / 9980950466 • MUMBAI - I 022-22885971 / 22851659 ; 9324543832 / 9320012110 / 9930822601 / 9892550455 / 9930957772 / 9870775600 • MUMBAI - II 022-22851660 ; 9820002994 / 9967655060 / 9371617717 / 9619575895 • NAGPUR0712 - 2542497 ; 9422113800 / 9975724030 / 9922402272 • NASHIK 0253-2579507 ; 9922996155 / 9823366379 • NEW DELHI 011-23359190/23314396 ; 9716481681 / 9818610867 / 9818630124 / 9811108744 / 9818191263 / 9891736008 / 9871814850 • PATNA 0612-2501157/6452757 ; 9470610695 / 9431023274 / 9431037251 / 9234600411 • PUNE 020 - 25537301 ; 9822474487 / 9325523480 /9767868611 • RAIPUR 0771-2236780/4051137 ; 9329731077 / 9329100009 / 9407646661 • RANCHI 0651-2206372 ; 9470524099 / 9334768543

b

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AREA OFFICES :

BUSINESS CENTRES :

For any queries, please contact our officers on the following numbers

• AGARTALA : 9856027836 • AHMEDNAGAR : 9422238925 • ALLAHABAD : 9336928397 • ALWAR : 9001059659 • AGRA : 9927888854 • ALAPUZHA : 9447367160 • AMRITSAR : 9814299747 • AJMER : 9829077674 • AMRAVATI : 9923797207 • ANANTPUR : 9000444852 • AURANGABAD : 9422728151 • BALAGHAT : 9302185901 • BALASORE : 9438020115 •BANKURA : 9378330300 • BEGUSARAI : 9905816354 • BERHAMPORE : 9861546580 • BELGAUM : 9845205168 • BELLARY : 9980830179 • BHAVNAGAR : 9825412482 • BILASPUR : 9303354453 / 9301982280 • BHILAI : 9303808855 / 9301701133 • BHOPAL : 9302441980 • BHAGALPUR : 9431609765 • BHILWARA : 9829287273 • BIKANER : 9829791132 •BOKARO : 9955189443 • BURDWAN : 9831712244 • CALICUT : 9961036375 / 9349739890 • CHANDIGARH : 9316065681 • CHANDRAPUR : 9372941955 • COIMBATORE : 9282216891 • DALTONGANJ : 9162780200 • DEOGHAR : 9430155378 • DHANBAD : 9835334495 • FARIDABAD : 9871814850 • GORAKHPUR : 9336833448 • GULBARGA : 9900144196 •GAYA : 9334118071 • GWALIOR : 9406586454 • HAZARIBAG : 9835197681 / 9199107292 • HASSAN : 9986125091 • HOSHIARPUR : 9988102107 • HUBLI : 9880058223 • JABALPUR : 9407606313 • JAGDALPUR : 9303354452 • JALANDHAR : 9779966466 • JALGAON : 9921515829 • JAMMU : 9419213201 • JAMSHEDPUR : 9234620669 • JHANSI : 9760016559 •JODHPUR : 9829947974 • KANNUR : 9846113249 • KARIMNAGAR : 9000444853 • KHARAGPUR : 9830759959 • KHARWAR : 9535484475 • KOTTAYAM : 9349374220 • KOTA : 9829905879 • KOLHAPUR : 9822851948 • MADIKERI : 9886028217 • MALDA : 9836237434 / 9851955023 • MEERUT : 9319267811 • MYSORE : 9986117183 • MUZAFFARPUR : 9431813155• NANDED : 9822203503 • NELLORE : 9000444854 • PANIPAT : 9996006023 • PATIALA : 9888710200 • PONDICHERRY : 9443337411 • PURNEA : 9939491090 • RAIGARH : 9302784008 • RAJAHMUNDRY : 9000171857 • RAJKOT : 9898733233 • SAMBALPUR : 9937040031 • SALEM : 9944744424 • SATARA : 9321452045 • SATNA : 9926364561 • SHADOL :9907666416 • SHILLONG : 9864152899 • SHIMLA : 9816687581 • SHIMOGA : 9902007686 • SILCHAR : 9401349110 • SURAT : 9978862626 9925027406 • SILIGURI : 9832010008 • THANE : 9320180806 • THIRUVELVELI : 9994321100 • THIRUVANANTHAPURAM : 9388088066 • THRISSUR : 9388110220 • TRICHY : 9842524130 • TRIVANDRUM : 9388088066 •UDAIPUR : 9784011432 • UDUPI : 9611111028 • VADODARA : 9327494916 • VARANASI : 9336501004 • VELLORE : 9791262600 • VISHAKHAPATNAM : 9000444851 • VIJAYWADA : 9000444856 • WARANGAL : 9000171858

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