IDBI TAX SAVING FUNDAn open-ended Equity Linked Savings Scheme (ELSS) offering income tax benefi ts under

Section 80C of the IT Act, 1961

Offer of Units of Rs. 10 each for cash (at par) during the New Fund Offer and continuous offer for Units at NAV related prices

Key Information Memorandum cum Application Form Mutual Fund : IDBI Mutual Fund Sponsor : IDBI Bank Limited & IDBI Capital Market

Services Ltd. (Co-sponsor)

Asset Management Company (AMC) : IDBI Asset Management Limited Regd. Off.: IDBI Tower, WTC Complex, Cuffe Parade, Colaba, Mumbai – 400 005.Corp. Off.: 5th Floor, Mafatlal Centre, Nariman Point, Mumbai- 400 021.

Trustee Company : IDBI MF Trustee Company LimitedRegd. Off.: IDBI Tower, WTC Complex, Cuffe Parade, Colaba, Mumbai – 400 005. Website: www.idbimutual.co.in

This product is suitable for investors who are seeking*:

� Long term capital growth� An Equity Linked Savings Scheme (ELSS) investing in equity and

equity related instruments with the objective to provide investors with opportunities for capital appreciation and income along with the benefi t of income-tax deduction (under section 80C of the Income-tax Act, 1961) on their investments, subject to a statutory lock-in of three years.

� High risk (BROWN)*Investors should consult their fi nancial advisors if in doubt about whether the product is suitable for them.

Note - Risk may be represented as:

(BLUE)

Investors understand that their principal will be at low risk

(YELLOW)

Investors understand that their principal will be at medium risk

(BROWN)

Investors understand that their principal will be at high risk

NFO period: 20th August to 3rd September 2013Scheme re-opens for continuous offer of sale on 17th September, 2013

SMS ‘IDBIMF’ to 09220092200 • Tollfree: 1800-22-4324 • www.idbimutual.co.inThis Key Information Memorandum (KIM) sets forth the information about the scheme, which a prospective investor ought to know before investing. For further details of the scheme/Mutual Fund, due diligence certifi cate by the AMC, Key Personnel, investors’ rights & services, risk factors, penalties & pending litigations etc. investors 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. idbimutual.co.in

The Scheme particulars have been prepared in accordance with Securities and Exchange Board of India (Mutual Funds) Regulations 1996, as amended till date, and fi led 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 certifi ed the accuracy or adequacy of this KIM.

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Investment Objec� ve The Scheme will seek to invest predominantly in a diversifi ed por� olio of equity and equity related instruments with the objec� ve to provide investors with opportuni� es for capital apprecia� on and income along with the benefi t of income-tax deduc� on (under sec� on 80C of the Income-tax Act, 1961) on their investments. Investments in this scheme would be subject to a statutory lock-in of 3 years from the date of allotment to be eligible for income-tax benefi ts under Sec� on 80C. There can be no assurance that the investment objec� ve under the scheme will be realized.

Asset alloca� on pa� ern Instrument Indica� ve alloca� on (% of total assets) Risk Profi le

Minimum Maximum

Equity and equity related instruments 80% 100% Medium to High

Debt and Money Market instruments 0% 20% Low to Medium

The asset alloca� on pa� ern defi ned above is mandated under the ELSS No� fi ca� on. The Scheme intends to meet the requirements of any other No� fi ca� ons / regula� ons regarding ELSS that may be issued by the Government / regulatory bodies from � me to � me. Equity and equity related instruments for the purpose of this Scheme will include equity shares (listed or unlisted), cumula� ve conver� ble preference shares and fully conver� ble debentures and bonds of companies. Investment may also be made in partly conver� ble issues of debentures and bonds including those issued on rights basis subject to the condi� on that, as far as possible, the non-conver� ble por� on of the debentures so acquired or subscribed, shall be disinvested within a period of 12 months.

Further, it shall be ensured that funds of the scheme remain invested in equi� es and equity related instruments to the extent of at least 80%. Pending investment of funds in the required manner, the Mutual Fund may invest the funds in short-term money market instruments or other liquid instruments or both. A� er three years of the date of allotment of the units, the Mutual Fund may hold up to twenty per cent of net assets of the scheme in short-term money market instruments and other liquid instruments to enable them to redeem investment of those unit-holders who would seek to tender the units for repurchase.

The Scheme shall strive to invest funds in the manner stated above within a period of six months from the date of closure of the New Fund Off er (NFO). In excep� onal circumstances, this requirement may be dispensed with by the Scheme, in order that the interests of the investors are protected.

The cumula� ve gross investment in securi� es under the scheme, which includes Equity and equity related instruments, Debt and Money market instruments and CBLO will not exceed 100% of the net assets of the scheme.

The Scheme does not propose to invest in Deriva� ves/ Securi� zed Debt/ADRs/GDRs and foreign securi� es.

Pending deployment of funds as per the investment objec� ve of the Scheme, the funds may be parked in short term deposits of the Scheduled Commercial Banks, subject to guidelines and limits specifi ed by SEBI from � me to � me.

Though every endeavor will be made to achieve the objec� ves of the Scheme, the AMC/Sponsors/Trustees do not guarantee that the investment objec� ves of the Scheme will be achieved. No guaranteed returns are being off ered under the Scheme.

The Scheme may engage in short selling of securi� es as and when permi� ed under the ELSS Guidelines and in accordance with the framework rela� ng to Short Selling and securi� es lending and borrowing specifi ed by SEBI.

In case of mutual fund schemes entering into repo transac� ons, in corporate debt securi� es at any point in � me, the gross exposure of the concerned scheme (s) to repo transac� ons (including reverse repo) in corporate debt securi� es shall not be more than 10% of the net assets of that scheme(s). At any point in � me, the gross exposure of such scheme(s) to repo transac� ons (including reverse repo) in corporate debt securi� es of a single issuer shall not be more than 5% of its net assets.

The Scheme may also par� cipate in securi� es lending to augment its income as and when permi� ed under the ELSS Guidelines. Securi� es lending in the scheme will be in accordance with the guidelines on securi� es lending and borrowing scheme issued by SEBI from � me to � me. The scheme shall not deploy more than 20% of its net asset in securi� es lending and not more than 5% in securi� es lending to any single counterparty.

Subject to the Regula� ons, the asset alloca� on pa� ern indicated above may change from � me to � me keeping in view market condi� ons and investment opportuni� es, applicable regula� ons and poli� cal and economic factors. It must be clearly understood that the percentages stated above are only indica� ve and not absolute and that they can vary substan� ally depending upon the percep� on of the AMC, the inten� on being at all � mes to seek to protect the interests of the Unit holders. Such changes in the asset alloca� on pa� ern will be for short term and defensive considera� ons.

In the event of asset alloca� on falling outside the limits specifi ed in the asset alloca� on table, the fund manager will review and rebalance the same within 30 days. Though every endeavor will be made to achieve the objec� ves of the Scheme, the AMC/Sponsors/Trustees do not guarantee that the investment objec� ves of the Scheme will be achieved.

Risk Profi le of the Scheme Mutual Fund Units involve investment risks including the possible loss of principal. Please read the SID carefully for details on risk factors before investment. Scheme specifi c Risk Factors are summarized below:

1. In line with the provisions s� pulated under the ELSS scheme, 2005, units issued under IDBI Tax Saving Fund including the units issued pursuant to dividend reinvestment will not be redeemed un� l the comple� on of 3 (three) years from the date of allotment of units. The ability of an investor to realize returns on investments in IDBI Tax Saving Fund will consequently be restricted for the fi rst 3 (three) years. Redemp� on can be made prior to the expiry of the aforesaid 3 (three) years period only in the event of the death of a Unit Holder, subject to the Units having been held for a period of 1 (one) year from the date of their allotment.

2. The Trustees, AMC, Fund, their directors or their employees shall not be liable for any tax consequences that may arise in the event that the scheme is wound up for the reasons and in the manner provided under the Scheme Informa� on Document & Statement of Addi� onal Informa� on.

3. IDBI Tax saving Fund will seek to invest predominantly in a diversifi ed por� olio of equity and equity related instrument as well as debt and money market instruments including CBLO.

4. The Mutual Fund is not assuring any dividend nor is it assuring that it will make any dividend distribu� ons. All dividend distribu� ons are subject to the availability of distributable surplus and would depend on the performance of the scheme and will be at the discre� on of the AMC.

5. The tax benefi ts described in the SID are as available under the present taxa� on laws and are available subject to relevant condi� on. The informa� on given is included only for general purpose and is based on advice received by the AMC regarding the law and prac� ce currently in force in India and the Investors and Unit Holders should be aware that the relevant fi scal rules or their interpreta� on may change. As in the case with any investment, there can be no guarantee that the tax posi� on or the proposed tax posi� on prevailing at the � me of the investment in the Scheme(s) will endure indefi nitely. In view of the individual nature of tax consequences, each Investor / Unit holder is advised to consult his/her/its own professional tax advisor.

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6. Trading volumes and se� lement periods may inherently restrict the liquidity of the scheme’s investments. In the event of an inordinately large number of redemp� on requests, or of a restructuring of the scheme’s investment por� olio, these periods may become signifi cant. In view of the same, the Trustees have the right in their sole discre� on to limit redemp� ons (including suspending redemp� ons) under certain circumstances.

7. Risks associated with investment in equity and equity related instruments

Investments in equity and equity related instruments like stocks, conver� bles, warrants, deriva� ves etc carry both systema� c (macro-economic) and company-specifi c risks. These instruments are exposed to and can be impacted by adverse changes in interest rates, currency rates, infl a� on, liquidity (trading volumes and se� lement) as well as company specifi c risks like corporate governance issues, changes in technology, fi nancial distress etc.

Equity shares and equity related instruments are vola� le and prone to price fl uctua� ons on a daily basis. Investments in equity shares and equity related instruments involve a degree of risk and investors should not invest in the Scheme unless they can aff ord to take the risks.

Trading volumes, se� lement periods and transfer procedures may restrict the liquidity of the investments made by the Scheme. Diff erent segments of the Indian fi nancial markets have diff erent se� lement periods and such periods may be extended signifi cantly by unforeseen circumstances leading to delays in receipt of proceeds from sale of securi� es. The NAV of the Units of the Scheme can go up or down because of various factors that aff ect the capital markets in general.

To mi� gate risks associated with investments in equity and equity related instruments the AMC will ensure that the por� olio is adequately diversifi ed. The Fund Manager will invest in companies/sectors iden� fi ed through a robust in-house research process for its investments merits – compe� � ve posi� on, earnings growth, management quality etc – and will be monitored on an ongoing basis to minimize company/sector specifi c risks

8. Risks associated with investments in Debt and Money Market Instruments

i. Credit risk: This risk arises due to any uncertainty in counterparty’s ability or willingness to meet its contractual obliga� ons. This risk pertains to the risk of default of payment of principal and interest. Government Securi� es have zero credit risk while other debt instruments are rated according to the issuer’s ability to meet the obliga� ons.

The AMC seek to manage credit risk by restric� ng investments only to investment grade securi� es. Regular review of the issuer profi le to monitor and evaluate the credit quality of the issuer will be carried out.

ii. Interest Rate risk: This risk is associated with movements in interest rate, which depend on various factors such as government borrowing, infl a� on, economic performance etc. The values of investments will appreciate/depreciate if the interest rates fall/rise.

Interest rate risk mi� ga� on will be through ac� ve dura� on management at the por� olio level through regular monitoring of the interest rate environment in the economy.

iii. Liquidity risk: The liquidity of a bond may change depending on market condi� ons leading to changes in the liquidity premium linked to the price of the bond. At the � me of selling the security, the security can become illiquid leading to loss in the value of the por� olio.

The AMC will endeavour to mi� gate liquidity risk by mapping investor profi le and poten� al redemp� on expecta� ons into the por� olio construc� on to allow the scheme to liquidate assets without signifi cantly impac� ng por� olio returns.

iv. Reinvestment risk: This risk arises from uncertainty in the rate at which cash fl ows from an investment may be reinvested. This is because the bond will pay coupons, which will have to be reinvested. The rate at which the coupons will be reinvested will depend upon prevailing market rates at the � me the coupons are received.

The AMC will endeavor to manage this risk by diversifying the investments in instruments with appropriate maturity baskets.

Since the exposure to Debt & Money Market instruments in the scheme will not exceed 20% of the assets, the above men� oned risks are not expected to be signifi cant.

9. Risks associated with Short Selling and Securi� es Lending

Short Selling: When the Fund engages in short selling, it will borrow the security from a third party with the understanding that the security will be returned at a later date as and when required by the lender. Short selling a security demonstrates a nega� ve view on a par� cular security (i.e. an expecta� on that the stock price will fall in future). However, there is a risk that the stock price may go up contrary to expecta� ons which will result in losses to the Scheme. The losses will be realized to the Scheme if the Scheme may be forced to buy the shares in the market at the prevailing higher market price (than the price at which sold ini� ally) to return the security to the lender if so required by the lender.

Securi� es lending: There are risks inherent to securi� es lending, including the risk of failure or bankruptcy of the counter party, leading to non-compliance with the terms of the agreement by the counterparty. Such failure can result in the possible loss of rights to the collateral, the inability of the counterparty to return the securi� es deposited by the lender and the possible loss of any corporate benefi ts accruing thereon.

10. Risks associated with investment in ELSS

In line with the provisions s� pulated under the ELSS scheme, 2005, units issued under IDBI Tax Saving Fund including the units issued pursuant to dividend reinvestment will not be redeemed un� l the comple� on of 3 (three) years from the date of allotment of units. The ability of an investor to realize returns on investments in IDBI Tax Saving Fund will consequently be restricted for the fi rst 3 (three) years. Redemp� on can be made prior to the expiry of the aforesaid 3 (three) years period only in the event of the death of a Unit Holder, subject to the Units having been held for a period of 1 (one) year from the date of their allotment.

Risks associated with repo/reverse repo transac� ons in corporate bonds and risk mi� ga� on strategies

1. Se� lement risk - Corporate Bond Repo will be se� led between two counterpar� es in the OTC segment unlike in the case of CBLO transac� ons where CCIL stands as central counterparty on all transac� ons (no se� lement risk). Se� lement risk in reverse repo will be mi� gated by requiring the counterparty (en� ty borrowing funds from the Mutual Fund) to deliver the defi ned collateral in the account of the MF before the cash is lent to the counterparty. Further, the Mutual Fund will also have a limited universe of counterpar� es comprising of Scheduled Commercial Banks, Primary Dealers, Mutual Funds and Na� onal Financial Ins� tu� ons.

2. Quality of collateral – The Mutual Fund will be exposed to credit risk on the underlying collateral – downward migra� on of ra� ng. The Mutual Fund will mi� gate this risk by a thorough in-house credit research on the quality of collateral with the objec� ve to minimize instance of ra� ng downgrades on collateral. The Mutual Fund will also impose adequate haircut on the collateral to cushion against any diminu� on in the value of the collateral. Collateral will require to be rated AAA or equivalent. The Mutual Fund will also not accept as collateral, securi� es issued by the counterpar� es themselves.

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3. Liquidity of collateral – In the event of default by the counterparty, the Mutual Fund would have recourse to recover its investments by selling the collateral in the market. If the underlying collateral is illiquid, then the Mutual Fund may incur an impact cost at the � me of sale (lower price realiza� on). The Mutual Fund seeks to mi� gate this risk by imposing specifi c constraints on the collateral – issuer (PSUs/ Financial Ins� tu� ons etc.), tenor of the collateral (shorter maturity papers are more liquid than longer dated papers) on a case to case basis.”

Plan and Op� ons The Scheme off ers the following Plans for investment-

• Regular Plan

• Direct Plan

As per SEBI circular no CIR/IMD/DF/21/2012 dated September 13, 2012, a separate plan (Direct Plan) is provided to the investors for direct investments, i.e., investments not routed through a distributor. The Direct Plan shall have a lower expense ra� o excluding distribu� on expenses, commission, etc., and no commission shall be paid from such plan.

Within each Plan there are two op� ons – Dividend op� on and Growth op� on. Under Dividend op� on, investors can opt for any one of following modes of dividend – Payout/Reinvestment/ Dividend Sweep. The Growth op� on will not declare any dividends.

The Regular and the Direct Plan will be maintained under a common por� olio.

If the dividend amount is less than Rs. 500/-, the en� re dividend amount shall be compulsorily paid out and no dividend reinvestment / dividend sweep will be made. Minimum dividend declared by the scheme required to avail DSP is Rs.1000/-. All unit holders in the dividend op� on of the Scheme can transfer their dividend to any open ended schemes (as and when made available for subscrip� on) of IDBI Mutual Fund. If an investor has opted for DSP and amount of dividend is less than Rs. 1000/-, the dividend amount will be paid out and no sweep will be made.

In cases where investors do not opt for a par� cular Plan at the � me of investment and where this investment is also not routed through a distributor, the default Plan will be the Direct Plan.

In cases where investors do not opt for a par� cular Op� on at the � me of investment, the default Op� on will be the Growth Op� on. In cases, where investors have opted for Dividend op� on but not specifi ed the mode of dividend i.e. payout, reinvestment, dividend sweep, the default mode will be payout.

If investors apply for subscrip� on of units under any Plans / Op� ons, the minimum subscrip� on limits for new purchases will apply to each Plan / Op� on.

In case of Dividend Sweep / Dividend reinvestment made into the Scheme, statutory lock-in period of 3 years is applicable to dividend amount transferred into the Scheme.

Please note that IDBI Tax Saving Fund does not assure any dividend in the Dividend op� on. Declara� on of dividend is subject to the availability of distributable surplus, if any, in the scheme and at the discre� on of the AMC.

Special Facili� es available Systema� c Investment Plan (SIP), Systema� c Withdrawal Plan (SWP), Dividend Sweep Plan (DSP), Systema� c Transfer Plan (STP).

In case of SIP, STP & DSP transac� ons, Statutory lock-in period of 3 years is applicable to every installment made to IDBI Tax Saving Fund.

STP from IDBI Tax Saving Fund to other Scheme(s) of IDBI MF and SWP is allowed only a� er comple� on of statutory lock-in period.

Cut off � ming for subscrip� ons/redemp� ons / switches

This is the � me before which your applica� on (complete in all respects) should reach the offi cial points of acceptance.

Subscrip� on

The following cut-off Timings shall be observed by the mutual fund for applica� on amount less than Rs.2 lakhs in respect of purchase of units in the Scheme and its plans/op� ons, where the following NAVs shall be applied for such purchase:

1. In respect of valid applica� ons received up to 3.00 p.m. on a Business Day by the Fund along with a local cheque or a demand dra� payable at par at the Offi cial Points of Acceptance where the applica� on is received, the NAV of the day on which applica� on is received shall be applicable.

2. In respect of valid applica� ons received a� er 3.00 p.m. on a Business Day by the Fund along with a local cheque or a demand dra� payable at par at the Offi cial Points of Acceptance where the applica� on is received, the NAV of the next Business day shall be applicable.

3. In respect of valid applica� ons with an outsta� on cheques or demand dra� s not payable at par at the Offi cial Points of Acceptance where the applica� on is received, the NAV of day on which the cheque or demand dra� is credited shall be applicable.

The following cut-off � mings shall be observed by the mutual fund for applica� on amount equal to or more than Rs. 2 lakhs in respect of purchase of units, in the scheme and its plans/op� ons, where the following NAVs shall be applied for such purchase:

1. where the applica� on is received upto 3.00 p.m. on a business day and funds are available for u� liza� on before the cut-off � me without availing any credit facility, whether, intra-day or otherwise – the closing NAV of the day of receipt of applica� on;

2. where the applica� on is received a� er 3.00 p.m. on a business day and funds are available for u� liza� on on the same day without availing any credit facility, whether, intra-day or otherwise – the closing NAV of the next business day ; and

3. irrespec� ve of the � me of receipt of applica� on, where the funds are not available for the cut-off � me without availing any credit facility, whether, intra-day or otherwise – the closing NAV of the day on which the funds are available for u� liza� on.

All mul� ple applica� ons for investment (at the fi rst holder’s PAN level) in a par� cular scheme (irrespec� ve of the plan / op� on / sub-op� on) received on the same Business Day, will be treated as a single applica� on for the purpose of compu� ng total applica� on amount for determining applicable NAV.

For investments of an amount equal to or more than Rs. 2 lakhs through systema� c investment routes such as Systema� c Investment Plans (SIP), Systema� c Transfer Plans (STP) the units will be allo� ed as per the closing NAV of the day on which the funds are available for u� liza� on by the Scheme.

Redemp� on:

The following cut-off � mings shall be applicable with respect to repurchase of units in the Scheme and the following NAVs shall be applied for such repurchase:

a. Where the applica� on is received up to 3.00 pm on a business day – closing NAV of the day on which the applica� on is received; and

b. An applica� on received a� er 3.00 pm on a business day – closing NAV of the next business day.

Switches:

Switch-in: Valid applica� ons for ‘switch-in’ shall be treated as applica� ons for subscrip� on and the provisions of the cut-off � me and the Applicable NAV men� oned in the SID as applicable to subscrip� on shall be applied to the ‘switch-in’ applica� ons.

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Switch-out: Valid applica� ons for ‘switch-out’ shall be treated as applica� ons for Redemp� on and the provisions of the cut-off � me and the Applicable NAV men� oned in the SID as applicable to Redemp� on shall be applied to the ‘switch-out’ applica� ons.

In case of ‘switch’ transac� ons from one scheme to another, the allotment shall be in line with redemp� on payouts and realiza� on of funds into the switch-in scheme (where applicable).

Redemp� on switch out is allowed only a� er comple� on of statutory lock-in period of 3 years. However, In the event of the death of the assessee, the nominee or legal heir, as the case may be, shall be able to withdraw the investment only a� er the comple� on of one year from the date of allotment of the units to the assessee or any � me therea� er.

Minimum Applica� on Amount/ Number of Units

Purchase Addi� onal Purchase Repurchase

For new purchases

Rs. 500 and in mul� ples of Rs.500 therea� er

For Systema� c Investment Plan (SIP)

• Rs. 500 per month for a minimum period of 12 months.

• Rs. 1000 per month for a minimum period of 6 months

• Rs.1500 per quarter for minimum period of 4 quarters.

Investments above the minimum amount men� oned, shall be made in mul� ples of Re. 500 for all SIP irrespec� ve of frequency of SIP or the Op� on.

Rs. 500 and in mul� ples of Rs.500 therea� er

Rs. 500 or 50 units whichever lower

The redemp� on / repurchase is subject to the lock-in period of 3 years.

Dispatch of Repurchase (Redemp� on) Request

The Mutual Fund will endeavor to dispatch the redemp� on proceeds not later than 10 business days from the date of acceptance of a valid redemp� on request. In case the redemp� on proceeds are not dispatched within 10 business days of the date of receipt of valid redemp� on request, the AMC will pay interest @ 15% p.a.(at present) or such other rate as may be prescribed from � me to � me

Benchmark Index S&P BSE 200 Index

Dividend Policy Dividend declara� on under the Dividend op� ons in the scheme is subject to the availability of distributable surplus and at the discre� on of the AMC and no returns is assured under the scheme.

Name of the Fund Manager Mr. V. Balasubramanian

Name of the Trustee Company

IDBI MF Trustee Company Limited

Performance of the scheme IDBI Tax Saving Fund is a new scheme and does not have any performance track record.

Expenses of the Scheme

(i) Load Structure

New Fund Off er Period On an ongoing basis

The ini� al issue expenses of IDBI Tax Saving Fund would be borne by the Asset Management Company.

Load Structure

Entry Load For normal transac� ons / Switch-in and SIP): Not Applicable;

Exit Load (repurchase/switch-out/transfer/SWP): Nil

Entry Load (For normal transac� ons / Switch-in and SIP) – Not applicable

Exit Load (Redemp� on/ Switch-out/ Transfer/ SWP): Nil

The scheme is subject to lock-in period of 3 years.

SEBI vide its circular no. SEBI/IMD/CIR No. 4/ 168230/09 dated June 30, 2009 has decided that there shall be no entry Load for all Mutual Fund Schemes. The upfront commission, if any, to the distributor on the investment made by the investor will be paid by the investor directly to the distributor, based on his assessment of various factors including the service rendered by the distributor.

SEBI vide circular Ref no: CIR/IMD/DF/21/2012 dated September 13, 2012 and no� fi ca� on dated September 26, 2012 requires, the exit load, if any, charged by mutual fund scheme to be credited to the respec� ve scheme a� er debi� ng applicable service tax, if any on the next business day.

Recurring expenses As per regula� on 52(6) (C) the total expenses of the scheme excluding issue or redemp� on on expenses, whether ini� ally borne by the Mutual Fund or by the AMC, but including the investment management and advisory fee shall be subject to the following limits :—

i. On the fi rst Rs. 100 Crores of the daily net assets : 2.50%

ii. On the next Rs. 300 Crores of the daily net assets : 2.25%

iii. On the next Rs. 300 Crores of the daily net assets : 2.00%

iv. On the balance of the assets :1.75 %

The scheme may charge addi� onal expense not exceeding of 0.30 per cent of daily net assets subject to the condi� ons men� oned in regula� on 52(6A)(b) SEBI (Mutual Fund) Regula� ons, 1996. Further, as per regula� on 52(6A)(c) SEBI (Mutual Fund) Regula� ons, 1996, the Mutual Fund scheme may charge addi� onal expenses, incurred towards diff erent heads men� oned under sub regula� ons (2) and (4), not exceeding 0.20 per cent of daily net assets of the scheme.

The Direct Plan of the Scheme shall have a lower expense ra� o excluding distribu� on expenses, commission, etc and no commission shall be paid from such Plan.

The AMC has es� mated that annual recurring expenses of up to 2.70% p.a. of the daily net assets may be charged to the Scheme (under Regular Plan) without including the addi� onal expense incurred towards distribu� on of assets to ci� es beyond Top 15 ci� es. The maximum expense including addi� onal expense towards distribu� on of assets to ci� es beyond Top 15 ci� es, if any, will not exceed 3.00% p.a. of the daily net assets may be charged to the Scheme. If the expenses exceed the limits stated above, expenses incurred in excess of the limits stated above shall be borne by the AMC.

Commission/ Distribu� on expenses will not be charged In case of Direct Plan. The TER of Direct Plan will be lower by at least 0.75% vis-à-vis Regular Plan.

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Investor Educa� on and Awareness

Mutual Funds/AMCs shall annually set apart at least 2 basis points (0.02%) on daily net assets within the maximum limit of TER as per regula� on 52 of the Regula� ons for investor educa� on and awareness ini� a� ves.

The fees and expenses men� oned above are the maximum limits allowed under the regula� ons/SID and the AMC may at its absolute discre� on adopt any fees/expense structure within the regulatory limits men� oned above. For the actual current expenses being charged, the investor should refer to the website of the Mutual Fund.

Transac� on Charges As per SEBI circular Cir/ IMD/ DF/13/ 2011 dated August 22, 2011 the distributor is en� tled to charge a transac� on charge per subscrip� on of Rs. 10,000/- and above. However, there shall be no transac� on charges on direct investments. The transac� on charge shall be subject to the following:

i. For exis� ng investors in a Mutual Fund, the distributor may be paid Rs.100/- as transac� on charge per subscrip� on of Rs. 10,000/- and above.

ii. The distributor may be paid Rs.150/- as transac� on charge for a fi rst � me investor in Mutual Funds.

iii. The transac� on charge, if any, shall be deducted by the AMC from the subscrip� on amount and paid to the distributor; and the balance shall be invested.

iv. The AMCs shall be responsible for any malprac� ce/mis-selling by the distributor while charging transac� on costs.

v. There shall be no transac� on charge on subscrip� on below Rs.10, 000/-

vi. In case of SIPs, the transac� on charge shall be applicable only if the total commitment through SIPs amounts to Rs. 10,000/- and above. In such cases the transac� on charge shall be recovered in 3-4 installments.

vii. There shall be no transac� on charge on transac� ons other than purchases/ subscrip� ons rela� ng to new infl ows.

viii. The statement of account shall clearly state that the net investment as gross subscrip� on less transac� on charge and the number of units allo� ed against the net investment.

ix. Distributors shall be able to choose to opt out of charging the transac� on charge. However, the ‘opt-out’ shall be at scheme level.

It is also clarifi ed that as per SEBI circular no. SEBI/IMD/CIR No. 4/ 168230/09, dated June 30, 2009, upfront commission to distributors shall con� nue to be paid by the investor directly to the distributor by a separate cheque based on his assessment of various factors including the service rendered by the distributor.

Waiver of Load for Direct Applica� ons

Not applicable

Tax treatment for the Investors (Unitholders)

IDBI Tax saving Fund Resident Investors** Mutual Fund**Tax on Dividend – Dividend Distribution Tax Nil NilCapital Gains• Long Term• Short Term

Nil15% (plus applicable surcharge and

cess)

NilNil

Unit holders of the Scheme will be charged securi� es transac� on tax (STT) @ applicable rate on value of redemp� on of units.

Investors in this Scheme will be eligible for income tax deduc� on benefi ts under Sec� on 80C of the IT Act, 1961. Investors in the Scheme are en� tled to deduc� ons of the amount invested in Units of the Scheme, subject to a maximum of Rs. 1,00,000/-, under Sec� on 80C of the Income Tax Act, 1961.

** For further details on taxa� on please refer to the Sec� on on Taxa� on in the SAI

Daily Net Asset Value (NAV) Publica� on

The NAV, Sale Price and Repurchase Price (a� er 1 year from the date of fi rst allotment) will be declared and will be published at least in 2 daily newspapers on all business days. NAV can also be viewed on www.idbimutual.co.in and www.amfi india.com.

For Investor Grievances, please contact

Registrar

Karvy Computershare Pvt. Limited

SEBI Registra� on Number: INR000000221Unit: IDBI Mutual Fund46, Road No 4, Street No.1 Banjara Hills,Hyderabad - 500 034. Phone: 040 – 23312454,Fax No: +91 40 23311968 Email: idbimf.customercare@karvy.com

IDBI Mutual Fund

Mr. S.V. Durga PrasadAVP & Investor Rela� ons Offi cerIDBI Asset Management Ltd.,5th Floor, Mafatlal Centre, Nariman Point, Mumbai- 400021Phone: 022 – 66442844; Fax: 022-66442801Email: contactus@idbimutual.co.in

7

Unitholders’ Informa� on Account Statement: For all applicants whose applica� on has been accepted, the AMC shall send a confi rma� on specifying the number of units allo� ed to the applicant by way of email and/or text SMS’s to the applicant’s registered email address and/or mobile number as soon as possible but not later than 5 working days from the date of closure of the Ini� al Subscrip� on list and/ or from the date of receipt of the request from the unit holders.

A consolidated account statement detailing the allotment of units will be issued, on or before tenth day of succeeding month of allotment. The said statement will also contain details all the transac� ons and holding at the end of the month including transac� on charges paid to the distributor, across all schemes of all mutual funds. However, no monthly statements will be issued to the unit holders of the schemes unless a transac� on is recorded in the month for which the statement is issued.

In the case of investors in whose folios no transac� ons are recorded in the last 6 months, a consolidated half yearly (September/March) account statement will be issued, on or before tenth day of succeeding month, detailing holding at the end of the six months across all schemes of all mutual funds.

Transac� on for this purpose shall include purchase, redemp� on, switch, dividend payout, dividend reinvestment, systema� c investment plan, systema� c withdrawal plan, systema� c transfer plan, and bonus transac� ons, if any.

Monthly Disclosures: Por� olio - Mutual funds/AMCs will disclose por� olio (along with ISIN) as on the last day of the month in the format prescribed by SEBI in its website on or before the tenth day of the succeeding month in a user-friendly and downloadable format.

Half yearly Disclosures: Por� olio

The Mutual Fund shall publish a complete statement of the scheme por� olio, within one month from the close of each half year (i.e. 31st March and 30th September), by way of an adver� sement at least, in one Na� onal English daily and one regional newspaper in the language of the region where the head offi ce of the Mutual Fund is located as per the new format prescribed by SEBI vide their Circular No. MFD/CIR/1/200/2001 dated April 20, 2001

The Mutual Fund may opt to send the por� olio statement to all unit holders in lieu of the adver� sement (if applicable).

The por� olio statements will also be displayed on the website of the Mutual Fund and AMFI.

Half Yearly Results

The Mutual Fund and the AMC shall before the expiry of one month from the close of each half year that is on 31st March and on 30th September, publish its unaudited fi nancial results in its website in a user friendly and downloadable format as per the format prescribed by SEBI vide their Circular No. MFD/CIR/1/200/2001 dated April 20, 2001.The unaudited fi nancial results will also be displayed on the website of AMFI. Mutual Fund shall publish an adver� sement disclosing the hos� ng of such fi nancial results on their website, in one English daily newspaper having na� onwide circula� on and in a newspaper having a wide circula� on published in the language of the region where the head offi ce of the mutual fund is situated.

Annual Report: The Scheme wise Annual Report or an abridged summary thereof shall be mailed to all Unit holders within four months from the date of closure of the relevant accounts year i.e. 31st March each year.

The Abridged Scheme wise Annual Report may be mailed to the investors’ e-mail address if so mandated.

The Scheme wise annual report shall also be displayed on the website of the Mutual Fund and AMFI.

The full Annual Report shall be available for inspec� on at the Head Offi ce of the mutual fund and a copy thereof shall be made available to unit holder on payment of such nominal fees as may be specifi ed by the mutual fund.

The audited fi nancial statements of the schemes shall form part of the Annual Report. The statutory auditors appointed by the Trustees for the audit of Mutual Fund are M/s MP Chitale & Co, Chartered Accountants, Mumbai.

The Por� olio Statement, unaudited fi nancial results, Scheme wise annual report will also be displayed on the website of the Mutual Fund and AMFI.

For those Unit holders who have provided an e-mail address, the AMC will send the account statement, annual report or abridged annual report by e-mail and no separate physical account statement, annual report or abridged annual report will be issued.

Investors who have not provided an email ID and investors who have specifi cally requested for physical documents despite providing the email id to the Mutual Fund will con� nue to receive the documents men� oned above in physical form. Should the Unit holder experience any diffi culty in accessing the electronically delivered documents, the Unit holder shall promptly advise the Mutual Fund to enable the Mutual Fund to make the delivery through alternate means. It is deemed that the Unit holder is aware of all security risks including possible third party intercep� on of the documents and contents of the documents becoming known to third par� es.

The Unitholder may request for a physical account statement/ annual report/abridged annual report by wri� ng/calling the AMC/ ISC/R&T.

8

Product diff eren� a� on vis-à-vis other Equity funds & IDBI Tax Saving Fund

IDBI Tax Saving Fund IDBI Rajiv Gandhi Equity Savings Scheme – Series I

IDBI India Top 100 Equity Fund

IDBI Ni� y Index Fund IDBI Ni� y Junior Index Fund

Type of Scheme A open -ended growth scheme off ering income tax benefi ts under Sec� on 80 C of the IT Act, 1961

A close-ended growth scheme off ering income tax benefi ts under Sec� on 80 CCG of the IT Act, 1961

An open-ended growth scheme

A passively managed equity scheme.

A passively managed equity scheme.

Investment universe

Predominantly in equity and equity related instruments

Invests only in RGESS eligible securi� es

Invests only in equi� es and equity related instruments comprising the CNX 100 Index.

Invests only in and all the stocks comprising the CNX Ni� y Index.

Invests only in and all stocks comprising the CNX Ni� y Junior Index.

Investment Objec� ve

To provide investors with opportuni� es for capital apprecia� on and income along with the benefi t of income-tax deduc� on (under sec� on 80C of the Income-tax Act, 1961) on their investments. Investments in this scheme would be subject to a statutory lock-in of 3 years from the date of investment to be eligible for income-tax benefi ts under Sec� on 80C.

To generate opportuni� es for growth while providing income tax benefi ts under Sec� on 80 CCG of the IT Act, 1961 by ac� ve management of por� olio inves� ng predominantly in RGESS eligible equity and equity related instruments

To provide investors with opportuni� es for long-term growth in capital through ac� ve management of a diversifi ed basket of equity stocks, debtand money market instruments.

To invest in the stocks and equity related instruments comprising the CNX Ni� y Index in the same weights as these stocks represented in the Index with the intent to replicate the performance of the Total Returns Index of CNX Ni� y Index.

To invest in the stocks and equity related instruments comprising the CNX Ni� y Junior Index in the same weights as these stocks represented in the Index with the intent to replicate the performance of the Total Returns Index of CNX Ni� y Junior Index.

Asset Alloca� on - Equity

80%-100% Equi� es and equity related instruments

95%-100% RGESS eligible equity

70%-100% Equi� es and equity related instrumentsof cons� tuents of the CNX 100 Index

95% - 100% Stocks in the CNX Ni� y Index and deriva� ve instruments linked to the CNX Ni� y Index

95% - 100% Stocks in the CNX Ni� y Junior Index and deriva� ve linked to the CNX Ni� y Junior Index as and when the deriva� ve products are made available on the same.

Asset Alloca� on - Debt

0 – 20% Debt and Money Market Instruments

0%-5% Money Market Instruments and CBLO

0%-30% Debt and MoneyMarket Instruments

0% – 5% Cash and Money Market Instruments including money at call but excluding Subscrip� on and Redemp� on Cash Flow.

0% – 5% Cash and Money Market Instruments including money at call but excluding Subscrip� on and Redemp� on Cash Flow.

Benchmark S&P BSE 200 Index S&P BSE 100 Index CNX 100 Index CNX Ni� y-Total Return Index

CNX Ni� y Junior Index- Total Return Index

Dividend frequency Dividend is not assured and subject to the availability of distributable surplus and performance of the scheme

Dividend is not assured and subject to the availability of distributable surplus and performance of the scheme

Dividend is not assured and subject to the availability of distributable surplus and performance of the scheme

Dividend is not assured and subject to the availability of distributable surplus and performance of the scheme

Dividend is not assured and subject to the availability of distributable surplus and performance of the scheme

Dividend distribu� on Tax (DDT)

Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable

No of folios as on 1st August 2013

NA 3653 23894 25167 7106

Asset Under Management as on 1st August 2013(in Crores)

NA 17.15 50.39 75.69 28.00

Date: 07th August 2013

9

GENERAL INFORMATIONa. It must be understood clearly that all applicants are deemed to have accepted the

terms subject to which these off ers are being made and bind themselves to the terms men� oned in the SAI/SID/KIM upon signing the applica� on form and tendering payment.

b. Please complete the Applica� on Form legibly in black ink or blue ink, in the English language only, in BLOCK CAPITALS. Please strike out with a line across any sec� on that is not applicable.

c. Submission of Applica� on Forms: Applica� on form complete in all respects with the necessary remi� ances may be submi� ed at IDBI MF Corporate Offi ce, IDBI MF ISC/offi cial Points of Acceptance of the Registrar or such other collec� on centers as may be designated by the AMC. The list of collec� on centers are given on the website of IDBI Mutual Fund. Applica� ons received by post/courier will be deemed to have been submi� ed on date of receipt at the designated collec� on centre.

d. Investors are advised to retain the acknowledgement slip signed/stamped by the collec� on centre where they submit the applica� on.

e. Allotment of Units: Allotment is assured to all applicants provided the applica� on is complete in all respects and is in order. Applica� ons not complete in any respect are liable to be rejected.

f. GUIDELINES TO HELP YOU COMPLETE THE APPLICATION FORM(1) Distributor details Investments through distributors: As per direc� ons of Securi� es and Exchange Board

of India (SEBI), the distributors, agents or any persons employed or engaged or to be employed or engaged in the sale and/or distribu� on of mutual fund products are required to have a valid cer� fi ca� on from the Na� onal Ins� tute of Securi� es Markets (NISM) by passing the cer� fi ca� on examina� on. Further, no agents / distributors are en� tled to sell units of mutual funds unless the intermediary is registered with Associa� on of Mutual Funds in India (AMFI).

Employee Unique Iden� fi ca� on Number (EUIN): SEBI has made it compulsory for every employee/ rela� onship manager/ sales person of the distributor of mutual fund products to quote the EUIN obtained by him/her from AMFI in the Applica� on Form. EUIN, par� cularly in advisory transac� ons, would assist in addressing any instance of mis-selling even if the employee/rela� onship manager/sales person later leaves the employment of the distributor. Individual ARN holders including senior ci� zens distribu� ng mutual fund products are also required to obtain and quote EUIN in the Applica� on Form. Hence, if your investments are routed through a distributor please ensure that the EUIN is correctly fi lled up in the Applica� on Form. However, if your distributor has not given you any advice pertaining to the investment, the EUIN box may be le� blank. In this case, you are required to provide a duly signed declara� on to this eff ect, as given in the Form.

Overseas Distributors: Overseas Distributors are exempt from obtaining NISM cer� fi ca� on and AMFI registra� on. However, such Overseas Distributors are required to comply with the guidelines/ requirements as may be issued by AMFI /SEBI from � me to � me and also comply with the laws, rules and regula� ons of jurisdic� ons where they carry out their opera� ons in the capacity of distributors.

Direct Investments: Investors applying under Direct Plan must men� on “Direct” in ARN column. In case Distributor code is men� oned in the applica� on form, but “Direct Plan” is indicated against the Scheme name, the Distributor code will be ignored and the applica� on will be processed under Direct Plan. In case of valid applica� on received without indica� ng “Direct Plan” against the Scheme / Plan name and without any Distributor Code men� oned on the form, the applica� on will be processed under “Direct Plan”.

(2) Email ID/ Email Communica� on: Investors desirous of receiving documents such as allotment advice, statement of accounts, periodical reports and other communica� ons in electronic form are required to fi llup their email ID. The email ID as declared by the investor will be registered in our records and all future communica� on will be made to such registered email ID. It may be noted that no physical document will be sent to an investor (unless specifi cally requested) who has a registered email ID with us.

(3) PAN (Permanent Account Number): Permanent Account Number is the sole iden� fi ca� on number for all investors transac� ng in the units of IDBI Mutual Fund, submission of a� ested copy of PAN card is mandatory for all categories of investors (including NRIs, Guardian of a minor). A� esta� on can be done by distributors / AMC offi cials etc. However, pursuant to SEBI le� er OW/16541/2012 dated July 24, 2012 investment in Mutual Fund schemes (including investments in SIP) upto Rs. 50,000 per year, per investor, across all schemes of the fund shall be exempted from the requirement of PAN. Accordingly, individuals (including who are individuals, NRIs, but not POIs, Minors) and sole proprietary fi rms who do not possess PAN (HUF and other categories are not eligible for such investments) are exempt from submission of PAN for investments upto Rs. 50,000 in a rolling 12 months period or in a fi nancial year (i.e. April to March). However eligible investors are required to undergo Know Your Customer (KYC) procedure with any of the SEBI registered KYC Registra� on Authority (KRA). Eligible investor must quote PAN Exempt KYC Reference Number (PEKRN) issued by KRA. Fresh/ Addi� onal Purchase and Systema� c Investment Plans will be covered within the limit of Rs. 50,000.

(4) Know your Customer (KYC) Policy: SEBI vide circulars dated October 5, 2011, December 2, 2011 and December 23, 2011 has simplifi ed the KYC registra� on process and authorised KRA (KYC registra� on agency) for storing, safeguarding and retrieving the KYC documents. If the investor has successfully completed KYC registra� on with stock brokers, depository par� cipants, Mutual Funds, por� olio managers, collec� ve investment schemes and venture capital funds on or a� er January 1, 2012, no fresh KYC applica� on is required to be submi� ed for inves� ng in this scheme. Further if the investor has already completed KYC registra� on with CVL for Mutual Fund investments, no fresh KYC applica� on is required to be submi� ed. In case the investor has not undergone the KYC registra� on as aforesaid or investor wish to submit updated/addi� onal informa� on/document they may submit necessary applica� on for KYC Registra� on/ upda� on along with the applica� on form for subscribing the units. The documents required to be submi� ed along with KYC applica� on from are detailed in the KYC applica� on form itself.

Notwithstanding anything stated herein above the AMC/MF reserves absolute right and discre� on to call for any addi� onal informa� on/document as they may require for verifying the KYC of the investor.

New to IDBI Mutual Fund: Investors who are registering with IDBI Mutual Fund for the fi rst � me but have completed KYC from CVL may have to undergo an in-Person verifi ca� on and may be required to submit missing/not-available informa� on as appearing in the database provided by KYC Registering Agencies. These details are required to be updated only if the KYC status as per CVL-KRA refl ects as “MF - VERIFIED BY CVLMF”

In-Person Verifi ca� on: With eff ect from January 1, 2012 in person verifi ca� on is compulsory for obtaining KYC registra� on for all securi� es market investment including Mutual fund. In view of the same, investors submi� ng KYC applica� on form shall undergo in-person verifi ca� on by the AMC/MF. KYD compiled distributors, employees of IDBI Asset Management Ltd and employees of Registrar and Transfer agent appointed by IDBI mutual Fund are authorized to perform the in-person verifi ca� on on behalf of IDBI Mutual Fund.

(5) Accounts opened on behalf Minor /Change of status from minor to major/Change of Guardian: Kindly refer addendum No.06/2011 under No� ces and Addendum on the website of the AMC.

(6) Mode of Paymenta) For Resident investors Cheque, demand dra� shall be drawn in the name of the scheme as detailed below

and crossed “Account Payee only”. a. the Specifi c Scheme A/c Permanent Account Number(where the investor has

a PAN) e.g.: IDBI TAX SAVING FUND A/C XXXXXXX (PAN) ORb. the Specifi c Scheme A/c First Investor Name* (investors from the state of

Sikkim & investors without PAN.) Source of funds If paid by cheque : Iden� fi ca� on of third party cheques by the AMC/Mutual Fund/

Registrar & Transfer Agent (R&TA) will be on the basis of matching the name / signature on the investment cheque with the name/ signature of the fi rst named applicant available on the applica� on or in our records for the said folio. If the name of the bank account holder is not pre-printed on the investment cheque or the signature on the said cheque does not match with that of the fi rst named applicant men� oned on the applica� on / available in our records for the said folio, then the investor should submit any one of the following documents at the � me of investment:(i) A copy of the bank passbook or a statement of bank account having the name

and address of the account holder and account number, Investors should also bring the original documents along with the documents men� oned in (a) above to the ISCs/Offi cial Points of Acceptance of IDBI Mutual Fund. The copy of such documents will be verifi ed with the original documents to the sa� sfac� on of the AMC/ Mutual Fund/R&TA. The original documents will be returned across the counter to the investor a� er due verifi ca� on.

(ii) A le� er (it should be cer� fi ed by the bank manager with his / her full signature, name, employee code, bank seal and contact number) in original from the bank on its le� erhead cer� fying that the investor maintains an account with the bank, along with informa� on like bank account number, bank branch, account type, the MICR code of the branch & IFSC Code (where available).

If funded by pre-funded instruments such as Pay Order, Demand Dra� , Banker’s cheque etc: Investors should a� ach any one of the following suppor� ng documents with the purchase applica� on where subscrip� on for units is vide a pre - funded instrument issued by way of debit to his / her bank account: • A Cer� fi cate (in original) from the issuing banker duly cer� fi ed by the

employee signing the pre-funded instrument with his / her full signature, name, employee code, bank seal and contact number, sta� ng the Account holder’s name, the Bank Account Number which has been debited for issue of the instrument (Mandatory) and PAN as per bank records, if available.

• A copy of the acknowledgement from the bank, wherein the instruc� ons to debit / carry the bank account details and name of the investor as an account holder are available

• A copy of the passbook/bank statement evidencing the debit for issuance of the instrument.

The account number men� oned in the above suppor� ng documents should be the same as one of the registered bank accounts or the bank details men� oned in the applica� on form.

If paid by RTGS, Bank Account-to-Account Transfer, NEFT, ECS etc: Investors should a� ach to the purchase applica� on form, an acknowledged copy of the instruc� on to the bank also sta� ng the account number debited. The account number men� oned on the transfer instruc� on copy should be a registered bank account or the fi rst named applicant/ investor should be one of the account holders to the bank account debited for such electronic transfer of funds.

Bank charges for outsta� on demand dra� s will be borne by the AMC and will be limited to the bank charges s� pulated by the State Bank of India subject to a maximum limit of Rs.50000 per instrument. The AMC will not bear the bank charges for outsta� on demand dra� s in case of investments in liquid/money market funds and such charges will have to be borne by the investor. Outsta� on Demand Dra� has been defi ned as a demand dra� issued by a bank where there is no ISC/Points of Acceptance available for Investors. Investors may please further note that in case of any applica� on made through the Demand Dra� , no Demand Dra� charges will be reimbursed by the AMC in any case. The same will have to be borne by investors.

Third Party Payments: The Mutual Fund shall adopt the following procedures to ascertain whether payments are Third Party Payments and investors are therefore required to comply with the requirements specifi ed herein below.

“Third Party Payment” means payment made through an instrument issued from

GENERAL INFORMATION AND GUIDELINES

10

a bank account other than that of the fi rst named applicant/ investor men� oned in the applica� on form. In case of payment instruments issued from a joint bank account, the fi rst named applicant/ investor must be one of the joint holders of the bank account from which the payment instrument is issued to consider the payment as a non - Third Party Payment.1. An Applica� on submi� ed in joint names of A, B & C along with cheque issued

from a bank account in names of C, A & B will be treated as valid applica� on.2. An Applica� on submi� ed in joint names of A, B & C along with cheque issued

from a bank account in name of A will be treated as valid applica� on. 3. An Applica� on submi� ed in joint names of A, B & C along with cheque issued

from a bank account in names of B, C & Y will be considered as Third Party Payment.

As referred in above, following are the excep� onal cases where third party payments will be accepted subject to submission of requisite documenta� on/ declara� ons. • Payment by Parents/Grand-Parents/Related Persons (any person inves� ng

on behalf of a minor in considera� on of natural love and aff ec� on or as a gi� ) on behalf of a minor in considera� on of natural love and aff ec� on or as gi� for a value not exceeding Rs. 50,000 for each regular purchase or per SIP installment. However this restric� on of Rs. 50,000 will not be applicable for payment made by a Guardian whose name is registered in the records of Mutual Fund in that folio (i.e. Father / Mother / Court Appointed Legal Guardian).

• Payment by Employer on behalf of employee under Systema� c Investment Plans or as lump sum / one-� me subscrip� on, through Payroll deduc� ons.

• Custodian on behalf of an FII or a Client. b) For Non-Resident Indian (NRI)/PIO/FII investors On Repatria� on Basis: In the case of NRIs including PIOs, payment may be made

either by inward remi� ance through normal banking channels or out of funds held in his Non - Resident (External) Rupee Account (NRE) / Foreign Currency (Non- Resident) Account (FCNR). In case Indian rupee dra� s are purchased abroad or from Foreign Currency Accounts or Non-resident Rupee Accounts an account debit cer� fi cate from the Bank issuing the dra� confi rming the debit shall also be enclosed. FIIs shall pay their subscrip� on either by inward remi� ance through normal banking channels or out of funds held in Foreign Currency Account or Non- Resident Rupee Account maintained by the FII with a designated branch of an authorized dealer in accordance with the relevant exchange management regula� ons.

On non-repatria� on basis: In the case of NRIs/PIOs, payment may be made either by inward remi� ance through normal banking channels or out of funds held in his NRE / FCNR / Non-Resident Ordinary Rupee Account (NRO). In case Indian rupee dra� s are purchased abroad or from Foreign Currency Accounts or Non-resident Rupee Accounts an account debit cer� fi cate from the Bank issuing the dra� confi rming the debit shall also be enclosed.

(7) MFSS: For trading in MFSS pla� orm, investors are advised to approach trading members of Na� onal Stock Exchange. Detailed procedure regarding MFSS transac� ons is available in the SID of respec� ve schemes.

(8) Demat: Investors have the op� on to hold units in dematerialized mode and the units are freely transferable. For holding units in dematerialized mode, investors should have a Depository account in their name. If the investor selects the depository mode for receiving units, no separate KYC needs to be complied. The statement of account issued by the depository par� cipant will be suffi cient and no separate statement of account indica� ng credi� ng of units by the mutual fund is required for proving allotment of units in the name of the unit holder. For redemp� on, investors will have to submit duly fi lled up delivery instruc� on slip to his concerned depository par� cipant and an acknowledgement for the same along with applica� on for redemp� on is required to be submi� ed at the POS. Investors have the responsibility in ensuring transfer of units to the designated pool account of the Mutual fund maintained with the registrar for redemp� on of units. The Scheme wise ISIN is displayed in the website of the mutual Fund.

(9) Mode of Payment of Redemp� on/ Dividend Proceeds: To the extent possible, the AMC will credit the redemp� on proceeds to the Bank account of the investor directly through direct credit facility/NEFT/RGESS. In order to enable the AMC to credit the funds directly to the Bank account of the investors, the investors are requested to provide all details about their bank account as required in point 5 of the applica� on form. In all other cases, the redemp� on proceeds will be issued in the form of Cheque or DD in the name of the sole/ fi rst unit holder to the correspondence address registered with us.

(10) E-services Facility: The E-services facility includes IDBI Online, E-alerts and E-payouts.

IDBI online: This facility enables investors to transact online on www.idbimutual.co.in by using transact online. On transact online IDBI MF Unitholders can execute transac� ons online for purchase*, redemp� on, switching of schemes within the mutual fund and other services as may be introduced by IDBI Mutual Fund from � me to � me. Unitholders can also view account details and por� olio valua� on online, download account statements and request for documents via email, besides other op� ons.

* facility available with select banks and any type (Visa/Master) of debt card subject to submission of Permanent Account Number (PAN) and Know Your Customer (KYC) compliance proof by all Unitholders(s) only.

E-alerts: This facility enables the Unit holder to receive SMS confi rma� on for purchase, redeem or switch dividend declara� on details and other alerts.

E-payouts: Apart from above men� oned facili� es, the facility of E-payouts comprising of mode of payment of Redemp� on / Dividend Proceeds if any, via Direct Credit / NEFT / ECS is covered under E-services facility.

(11) Investment Op� ons: If the direct plan is � cked, irrespec� ve of any ARN code fi lled/wri� en in the applica� on form, the applica� on will be treated as direct applica� on. Plans/Op� ons exercised at the � me of applica� on may be changed by the investor at a later date by way of a communica� on to the Registrar of the Scheme. Such changes would be eff ec� ve from a prospec� ve date.

(12) Switchover Facility: No op� on change is allowed during lock period. A� er comple� on of the lock-in-period unit holders will have the facility of switchover between op� ons in the scheme. Switchover between the Growth and Dividend Op� ons of this scheme will be at the applicable NAV and switchovers to other schemes (a� er comple� on of the lock in) will be at NAV related prices.

(13) LOCK�IN PERIOD: Units issued under the Scheme will be locked-in for a period of three years from the date of allotment. Such units cannot be repurchased /switched /pledged /transferred /gi� ed before the expiry of lock-in period. However, in the event of the death of the sole applicant or the fi rst applicant in case of joint holding, the nominee or legal heir or the applicant stated next in the order (in case of joint holding) as the case may be, can encash the units a� er the comple� on of one year from the date of allotment.

(14) Nomina� on Facility:i. Nomina� on is mandatory for new folios/accounts opened by individual especially with

sole holding. Even those investors who do not wish to nominate must sign separately confi rming their non-inten� on to nominate. Nomina� on is not allowed in a folio held on behalf of a minor.

ii. The applicant/unit holders can nominate a person/persons (upto two) in whom the units held by him shall vest in the event of his death. Where the units are held by more than one person jointly, the joint Unit holders may together nominate a person/persons (upto two) in whom all the rights in the units shall vest in the event of death of all the joint Unit holders. If the units are held jointly, all joint holders will sign the nomina� on form.

iii. The nomina� on can be made only by individuals applying for/holding units on their own behalf singly or jointly. Non individuals including society, trust, body corporate, partnership fi rm, Karta of Hindu undivided family (HUF), holder of Power of A� orney cannot nominate.

iv. A minor can be nominated and in that event, the name and address of the guardian of the minor nominee shall be provided by the Unit holder.

v. Nomina� on can also be in favour of the Central Government, State Government, a local authority, any person designated by virtue of his offi ce or a religious or charitable trust.

vi. The Nominee shall not be a Trust, other than a religious or charitable trust, society, body corporate, partnership fi rm, Karta of HUF or a Power of A� orney holder.

vii. A non-resident Indian can be a Nominee subject to the exchange controls in force, from � me to � me.

viii. Nomina� on in respect of the units stands rescinded upon the transfer of units.ix. Transfer of units in favour of a Nominee shall be valid discharge by the AMC against the

legal heir.x. The cancella� on of nomina� on can be made only by those individuals who hold units on

their own behalf singly or jointly and who made the original nomina� on.xi. On cancella� on of the nomina� on, the nomina� on shall stand rescinded and the AMC

shall not be under any obliga� on to transfer the units in favour of the Nominee. Investors should note that where the Units are transferred in favour of the nominee, the KYC formali� es, as applicable, shall have to be completed by the nominee.

xii. Every new nomina� on for a folio/account will overwrite the exis� ng nomina� on.(15) Declara� on and Signatures:a) All signatures should be in English or any Indian language. Thumb impressions should be

from the le� hand for males and the right hand for females and in all cases be a� ested by a Magistrate, Notary Public under his/her offi cial seal.

b) In case of applica� ons under a Power of A� orney, the relevant Power of A� orney or the cer� fi ed and duly notarized copy thereof must be lodged along with the applica� on.

CHECKLIST (Please submit the following documents with your applica� on (where applicable). All documents should be original/true copies cer� fi ed by a Director/Trustee /Company Secretary /Authorized signatory / Notary Public/AMC or R&T Offi cials)

Documents Individual (RI)

Companies Socie� es Partnership Firms

Investment through POA

Trusts NRI FIIs PIO

Copy of the PAN Card � � � � � � � � �Copy of the KYC acknowledgement � � � � � � � � �Resolu� on/ Authorisa� on to invest � � �List of authorised signatories with specimen signatures � � � � �Trust Deed �Bye-laws �Partnership Deed �Overseas Auditor Cer� fi cate and SEBI registra� on cer� fi cate �Notarised POA �Proof of Address �PIO Card �Foreign Inward Remi� ance Cer� fi cate �

Applica� on Form for IDBI TAX SAVING FUNDMafatlal Centre, 5th Floor, Nariman Point, Mumbai - 400 021 Website: www.idbimutual.co.in Applica� on No.

1. EXISTING UNIT HOLDER INFORMATION [Please fi ll in your Folio Number and proceed to Investment Details]

Folio No. The details in our records under the folio number men� oned will apply for this applica� on.

2. APPLICANT’S PERSONAL DETAILS

Name of First / Sole Applicant / Minor*

(as appearing in ID proof)Date of Birth (Mandatory in case of Minor) D D / M M / Y Y Y Y

PAN (A� ach Proof) M A N D A T O R Y KYC Compliance Status (if yes, a� ach proof. If No, a� ach KYC Applica� on form) Yes No

Name of Second Applicant

PAN (A� ach Proof) M A N D A T O R Y KYC Compliance Status (if yes, a� ach proof. If No, a� ach KYC Applica� on form) Yes No

Name of Third Applicant

PAN (A� ach Proof) M A N D A T O R Y KYC Compliance Status (if yes, a� ach proof. If No, a� ach KYC Applica� on form) Yes No

Name of the Guardian#

PAN (A� ach proof) M A N D A T O R Y KYC Compliance Status (if yes, a� ach proof. If No, a� ach KYC Applica� on form) Yes No

Rela� onship with Minor Please (�) Mother Father Legal GuardianKYC Is mandatory for all investors except investors residing in the state of Sikkim and Micro SIP applicants* If the fi rst/sole applicant is a Minor, then please provide details of Natural / Legal Guardian. # (In case fi rst applicant is a minor)/contact person name (in case of non-individual)

Mode of Holding (Please �) Anyone or Survivor Single Joint (Default op� on is Anyone or Survivor)

Occupa� on (Please �) Business Service Professional Re� red Student Housewife Others ______________________________

Status (Please �) Resident Individual NRI / PIO Trust HUF Bank / Fls Sole Proprietorship

Minor Company/Body Corporate Flls Partnership Firm AOP / BOI Society

OthersPlease specify__________________

3. MAILING ADDRESS [Please provide Full Address. P. O. Box No. may not be suffi cient. Overseas Investors will have to provide Indian Address]

Local Address of 1st Applicant -

City State Pin Code

Tel. Off . Resi. Mobile

E - Mail

Overseas Correspondence Address (Mandatory for NRI / Fll Applicant)

City Country Pin Code

4. COMMUNICATION (Please �) I/We wish to receive Account Statements/Annual Reports/Quarterly Statements/Newsle� er/Updates or any other Statutory Informa� on via E- mail/SMS alerts in lieu of Physical Documents. I/We would like to know more about IDBI MF products over the telephone.

5. BANK ACCOUNT DETAILS � MANDATORY (For mul� ple banks registra� on please submit the Mul� ple Bank Registra� on Form)

Name of the Bank

Branch Address

Bank Branch City State Pin Code

Account No. A/C. Type (Please �) Savings NRE Current NRO FCNR

9 digit MICR Code 11 digit IFSC Code (Mandatory for credit via NEFT/RTGS)

Please a� ach a cancelled cheque OR a clear photo copy of a cheque

ACKNOWLEDGEMENT SLIP (To be fi lled in by the Sole/First Applicant)

Mafatlal Centre, 5th Floor, Nariman Point, Mumbai - 400 021Website : www.idbimutual.co.in

Applica� on No.

Stamp, Signature & Date

Date ______ / ______ / _________

Received from Mr. / Ms. /M/s. _____________________________________________________________________________________________

an applica� on for purchase of units of IDBI TAX SAVING FUND for Rs. __________________ on date D D / M M / Y Y Y Y

IDBI TAX SAVING FUND

Upfront commission shall be paid directly by the investor to the AMFI registered Distributors based on the investors’ assessment of various factors including the service rendered by the distributor. In case purchase/subscrip� on amount is Rs. 10,000/- or more and the investor’s Distributor has opted to receive “Transac� on Charges” the same are deductable as applicable from the purchase/subscrip� on amount and payable to the distributor. Units will issued against the balance amount invested.

I/We hereby confi rm that the EUIN box has been inten� onally le� blank by me/us as this is an “execu� on-only” transac� on without any interac� on or advice by the employee/rela� onship manager/sales person of the above distributor or notwithstanding the advice of in-appropriateness, if any, provided by the employee/rela� onship manager/sales person of the distributor and the distributor has not charged any advisory fees on this transac� on.

Signatures First / Sole Applicant / Guardian Second Applicant Third Applicant

Name & ARN Code Sub Distributor / Branch Code Internal code for sub Agent/Employee

EUIN Bank Serial No. / Bank Stamp / Receipt Date

M a n d a t o r y

IDBI CapitalARN – 0893

6. UNITS IN DEMAT MODE (Please �) NSDL CDSL

DP ID Benefi ciary Account No./Client ID

DP NameNote: Please a� ach the depository transac� on statement or DP master data indica� ng the DP account number of the applicant. Please ensure that sequence of names as men� on in the Applica� on Form match with that of the account held with the DP.

7. POWER OF ATTORNEY (POA)

POA Name

PAN KYC Yes No - if investment is being made by a cons� tu� onal A� orney, please submit the notarized copy of the POA

8. IDBIMF PERSONAL IDENTIFICATION NUMBER (IPIN) (Please �) I / We being unit holder(s) of IDBI Mutual Fund scheme(s) do hereby apply for the facility for eff ec� ng online transac� ons over the internet with respect to my investment with IDBI

Mutual Fund. Please send me the PIN agreement form.

9. INVESTMENT DETAILS AND PAYMENT DETAILS - Cheque/DD/RTGS/NEFT/Transfer (outsta� on cheques will be rejected) Please � wherever applicable.

Scheme Name: IDBI TAX SAVING FUNDPlan: Regular Direct Op� on: Growth Dividend Mode of dividend: Payout Re-investment Sweep

Sweep: To Scheme_______________________________________________________________Plan____________________________Op� on___________________________

Investment Amount (Rs.)

_______________________________

DD Charges if any (Rs.)

_______________________________

Net Amount (in words) ____________________________________________________

________________________________________________________________________

Mode of Payment (Please �) Cheque DD Funds Transfer RTGS/NEFT Switch-in from IDBI MF Schemes^

I would like to switch __________ units or Rs. (amt in Rs.) _______________________ (in words___________________________________________________________________)

from scheme _________________________________________________ Plan ____________________________________ Op� on _________________________________.

^ In case of Switch (only during NFO)

Drawn on Bank

Branch & City Account No.

Chq. / DD No. Date D D M M Y Y Y Y IFSC Code

*A/c Type - S/B NRE* Current NRO FCNR*

*Kindly provide photocopy of the payment Instrument or Foreign Inward Remi� ance Cer� fi cate (FIRC) evidencing source of funds

Cheque / D.D. to be crossed “Account Payee” only and should be drawn payable to: - “IDBI TAX SAVING FUND A/C XXXXXXX” (Investor PAN) or “IDBI TAX SAVING FUND A/C XXXXXXX” (Name of the Firstholder)

10. NOMINATION DETAILS [Minor / HUF / POA Holder / Non Individuals Cannot Nominate]

I / We ____________________________________________________________________________ do hereby nominate the undermen� oned Nominee(s) to receive the units to my / our credit in this folio no. in the event of my / our death. I / We also understand that all payments and se� lements made to such Nominee(s) and Signature of the Nominee(s) acknowledging receipt thereof, shall be a valid discharge by the AMC / Mutual Fund / Trustees.

No. Nominee(s) Name % of Share* Date of Birth (in case of Minor) Nominee(s) Signature

1 D D M M Y Y Y Y

2 D D M M Y Y Y Y

No. Name of the Guardian (In case Nominee is Minor) Nominee(s) Signature

1

2

* If the percentage of share is not men� oned then the claim will be se� led equally amongst all the indicated nominee(s)

I/We do not wish to nominate anybody on my/our behalf. Signature of the Declarant

11. DECLARATION

I / We have read and understood the contents of the SID and Key Informa� on Memorandum of the Scheme. I/We hereby apply to the IDBI Mutual Fund for allotment of units of the Scheme, as indicated above and agree to abide by the terms, condi� ons, rules and regula� ons of the Scheme. I / We hereby confi rm and cer� fy that the source of these funds is not directly / indirectly a result of “proceeds of crime” as defi ned in “The Preven� on of Money Laundering Act, 2002” and I/we undertake to provide all necessary proof / documenta� on, if any, required to substan� ate the facts of this undertaking. I/We have not received nor been induced by any rebate or gi� s, directly or indirectly in making this investment. I / We authorize the Fund to disclose details of my/our account and all my/our transac� ons to the intermediary whose stamp appears on the applica� on form. I/We also authorize the Fund to disclose details as necessary, to the Fund’s and investor’s bankers for the purpose of eff ec� ng payments to me / us. Applicable to NRIs only : I/We confi rm that I am/we are Non-Resident of Indian Na� onality/Origin and I/we hereby confi rm that the funds for subscrip� on have been remi� ed from abroad through approved banking channels or from funds in my/our Non-Resident External / Ordinary Account / FCNR / NRSR Account. Investment in the scheme is made by me / us on: Repatria� on basis Non Repatria� on basis. 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 diff erent compe� ng Schemes of various Mutual Funds from amongst which the Scheme is being recommended to me/us.

Signature

First / Sole Applicant / Guardian

Second Applicant

Third Applicant

Scheme Name : IDBI TAX SAVING FUND

Plan: Regular Direct (Please � any one). Op� on: ________________________________________ Sub Op� on: _______________________________________

Cheque / DD No. : _______________________ Date : ___________________ Amount Rs.: ___________________________________________________________________________

Bank and Branch: ______________________________________________________________________________________________________________________________________

REGISTRAR & TRANSFER AGENTSKarvy Computershare Pvt Limited, SEBI Registra� on Number: INR000000221

Unit: IDBI Mutual Fund, 46, Road No 4, street No.1 Banjara Hills, Hyderabad-500 034Tel. No.: 040 – 2331245; Fax No: +91 40 23311968 Email id: idbimf.customercare@karvy.com

Please � any one only SIP Micro SIP Change in Bank Mandate SIP Cancella� on

1. Investor and Investment details. Please � wherever applicable.

Sole / First Investor Name(as appearing in ID proof)

PAN No. Folio No. (For Exis� ng Investor)

Scheme Name: IDBI TAX SAVING FUND

Plan: Regular Direct

Op� on: Growth Dividend

Mode of dividend: Payout Re-investment Sweep

Sweep: To Scheme___________________________________________________________________Plan_____________________________Op� on____________________________

2. Systema� c Investment Plan (SIP) Refer point no. I of SIP/SWP/STP instruc� on.

Each SIP Amount (Rs.)____________________________________________________ Frequency: Monthly / Quarterly

SIP Frequency Date: 5th / 15th / 25th of the month (1st month of the quarter for quarterly frequency)

From D D M M Y Y Y Y To D D M M Y Y Y Y or No. of installments ______________________ or perpetual.

(Direct Debit /ECS instruc� ons will take minimum 30 days for registra� on with the Bank and hence the fi rst auto debit will be carried out a� er 30 days on the SIP date. The AMC reserve the right to modify the SIP registra� on period)Photo iden� fi ca� on proof in case of Micro SIP __________________ (Note: Please allow minimum one month for auto debit to register and start)

3. Systema� c Transfer Plan (STP) Refer point no. II of SIP/SWP/STP instruc� on.

I/We would like to switch: From Scheme ________________________________________ Plan ___________________________ Op� on ____________________________________

switch: To Scheme __________________________________________ Plan ___________________________ Op� on ____________________________________

Each STP Amount (Rs.) Frequency: Daily (All business days)# Weekly (1st business day of the week)

Date: 5th / 15th / 25th of the month / quarter Monthly Quarterly

Enrolment Start D D - M M - Y Y Y Y End D D - M M - Y Y Y Y or No. of installments _______________

# Daily STP facility will be available for transferring the units from IDBI Liquid Fund / IDBI Ultra Short Term Fund to any open-ended schemes of IDBI Mutual Fund.

4. Systema� c Withdrawal Plan (SWP) Refer point no. III of SIP/SWP/STP instruc� on.Each SWP Amount Rs.

Enrolment Start Month D D M M Y Y Y Y End Month D D M M Y Y Y Y or No. of installments ____________

5. Par� culars of bank accountAccountholder Nameas in Bank Account

Bank Name Branch

City PIN code

Account Type Savings Current NRE NRO FCNR Account No.

9 Digit MICR Code (Please enter the 9 digit number that appears a� er your cheque number)

I/We hereby, declare that the par� culars given above are correct and express my willingness to make payments referred above through par� cipa� on in ECS/Auto Debit. If the transac� on is delayed or not eff ected at all for reasons of incomplete or incorrect informa� on. I/We would not hold the user ins� tu� on responsible. I/We will also inform IDBI Mutual Fund about any changes in my bank account I/We have read and agreed to the terms and condi� ons men� oned overleaf.This is to inform that I/We have registered for the RBI’s Electronic Clearing Service (Debit Clearing) / Auto Debit Facility and that my payment towards my investment in IDBI Mutual Fund shall be made from my/our below men� oned bank account with your bank. I/We authorize to IDBI Mutual Fund/ representa� ve carrying this ECS/Auto Debit to account mandate Form to get it verifi ed and executed.

_______________________________________ _______________________________________ _______________________________________ First Account Holder’s Signature Second Account Holder’s Signature Third Account Holder’s Signature

Mafatlal Centre, 5th Floor, Nariman Point, Mumbai - 400 021 Website: www.idbimutual.co.inForm No.

Applica� on Form For Systema� c Investment Plan (SIP) / Systema� c Transfer Plan (STP)/Systema� c Withdrawal Plan (SWP)

Upfront commission shall be paid directly by the investor to the AMFI registered Distributors based on the investors’ assessment of various factors including the service rendered by the distributor. In case purchase/subscrip� on amount is Rs. 10,000/- or more and the investor’s Distributor has opted to receive “Transac� on Charges” the same are deductable as applicable from the purchase/subscrip� on amount and payable to the distributor. Units will issued against the balance amount invested.

I/We hereby confi rm that the EUIN box has been inten� onally le� blank by me/us as this is an “execu� on-only” transac� on without any interac� on or advice by the employee/rela� onship manager/sales person of the above distributor or notwithstanding the advice of in-appropriateness, if any, provided by the employee/rela� onship manager/sales person of the distributor and the distributor has not charged any advisory fees on this transac� on.

Signatures First / Sole Applicant / Guardian Second Applicant Third Applicant

ARN Code & Name Sub Distributor / Branch Code Internal code for sub Agent/Employee

EUIN Bank Serial No. / Bank Stamp / Receipt Date

IDBI CapitalARN – 0893

TERMS & CONDITIONS FOR SIP / SWP / STPI. SYSTEMATIC INVESTMENT PLAN (SIP): The Scheme off ers SIP facility subject to following terms and condi� ons:

1. SIP is off ered on monthly and quarterly frequency. Unit holders can opt to invest on monthly or quarterly frequency on the following dates -

5th, 15th, 25thof each month/ fi rst month of the quarter. In case the day specifi ed is a non Business Day, the transac� on will be eff ected on the next Business Day.

In case the frequency is not specifi ed in the applica� on/ enrollment form, it will be deemed as an applica� on for monthly frequency and will be processed accordingly. In case the SIP date is not specifi ed or in case of ambiguity, the SIP transac� on will be processed as of 15th of every month / fi rst month of the every quarter. In case the end date is not specifi ed, the Fund would con� nue the SIP � ll it receives termina� on no� ce from the investor.

Please refer the “Minimum Applica� on Amount/Number of units” men� oned in this document under the sec� on for minimum subscrip� on amount and frequency.

2. IDBI Mutual Fund is off ering SIP Payment through Auto Debit facility with below men� oned core banking bank branches:

1. IDBI Bank 2. ICICI Bank, 3. State Bank of India, 4. Punjab Na� onal Bank, 5. Bank of India, 6. Bank of Baroda, 7.Kotak Mahindra Bank, 8. Indusind Bank, 9. Axis Bank, 10. Union Bank of India, 11. HDFC Bank, 12. CITI Bank, 13. Federal Bank, 14. Corpora� on Bank, 15. Allahabad Bank, 16. UCO Bank, 17. ING Vysya Bank, 18. State Bank of Pa� ala, 19. United Bank of India.

3. If investor is having an account in other than the above men� oned banks then this facility is off ered to the Investors in select ci� es men� oned below. The ci� es in the list may be modifi ed/updated/changed/removed at any � me in future en� rely at the discre� on of IDBI Mutual Fund without assigning any reason or prior no� ce. If any city is removed, SIP instruc� ons for investors in such ci� es via ECS (Debit) route will be discon� nued without prior no� ce. By submi� ng this form,the Investor agrees to abide by the terms and condi� ons of ECS facility of Reserve Bank of India (RBI). The bank account provided for ECS (Debit) should par� cipate in local MICR clearing.

4. Agra, Ahmedabad, Allahabad, Amritsar, Aurangabad, Asansol, Anand, Bengaluru, Belgaum, Bhilwara, Bhopal, Bhubaneswar, Bikaner, Burdwan, Bhavnagar, Kozhikode, Chandigarh, Chennai, Coimbatore, Cu� ack, Dehradun, Dhanbad, Durgapur, Davangere, Erode, Gorakhpur, Guwaha� , Gwalior, Gadag, Gulbarga, Gangtok, Haldia, Hubli, Hyderabad, Hasan, Indore, Jabalpur, Jaipur, Jalandhar, Jammu, Jamnagar, Jamshedpur, Jodhpur, Kanpur, Kolkata, Kakinada, Kota, Kolhapur, Kochi, Lucknow, Ludhiana, Madurai, Mangalore, Mumbai, Mysore, Nagpur, Nasik, Nellore, New Delhi, Panjim, Patna, Pondicherry, Pune, Rajkot, Ranchi, Raipur, Raichur, Salem, Shimla, Shimoga, Sholapur, Siliguri, Surat, Tirupa� , Tirupur, Thrissur, Trichy, Thiruvananthapuram, Tirunalveli, Udaipur, Udupi, Vadodara, Varanasi, Vijayawada, Vishakapatnam

5. Completed Applica� on Form, SIP Form and the fi rst cheque (if any) should be submi� ed at least 30 Days before the 1st SIP execu� on date.

In case, it is not possible for the AMC/Registrar to start the SIP from the opted start date due to the insuffi ciency of � me given by the investor, the AMC/Registrar will automa� cally process the fi rst SIP on the opted date from the next month a� er the opted star� ng month e.g. In case investor applies for SIP on 18th Jan 2013 for eff ec� ng 1st SIP from 5th February, 2013, AMC/Registrar may process the same from.5th of March, 2013. In such a case, the ending period will be extended automa� cally by another month.

6. Investor can avail SIP facility by submission of SIP form to enroll for SIP facility along with current dated local cheque for fi rst SIP installment (no post dated cheque will be accepted). First SIP installment cheque is not mandatory.

Unit holder has a right to discon� nue the SIP facility at any � me by sending wri� en request to any Offi cial Points of Acceptance, at least 21 calendar days prior to the next ECS debit/Direct debit. On receipt of such request, the SIP enrollment will be terminated.

In case any payment instruc� on for SIP installment is dishonored by the Bankers for the reason of account of investor is closed, the AMC would discon� nue the SIP immediately.

7. The AMC reserves the right to discon� nue the SIP enrolment in case payment instruc� on submi� ed by Unit holder is not honored by Banker on 3 (three ) consecu� ve occasions for either insuffi ciency of funds or as a result of a stop payment instruc� ons issued by the Unit holder.

8. The facility will be automa� cally terminated upon receipt of in� ma� on of death of the Unit holder.

9. Each SIP installment will be treated as a fresh purchase and shall be locked for three years from the date of allotment/each installment.

The AMC reserves right to change the frequency, date(s) or other terms and condi� ons of SIP. MICRO SYSTEMATIC INVESTMENT PLANS (MICRO SIPs) As per SEBI guidelines, investment in Micro Systema� c Investment Plans (Micro SIPs) shall be

exempted from the requirement of PAN subject to other opera� onal guidelines. Any investment through Systema� c Investment Plans (SIPs) by investors, where aggregate of

installments in a rolling 12 months period or in a fi nancial year i.e April to March, which does not exceed Rs 50,000/- per investor will be treated as Micro SIP for above purpose. Micro SIP will not be subject to common KYC process through KRA. This exemp� on will be applicable ONLY to investments by individuals (including NRIs but not PIOs), Minors and Sole proprietary fi rms. HUFs and other categories will not be eligible for Micro SIPs. The exemp� on is applicable to joint holders also. In case of fi rst Micro SIP Installment is processed (as the cheque may be banked), and the applica� on is found to be defec� ve, the Micro SIP registra� on will cease for future installments. No refund to be made for the units already allo� ed. The Minimum Investment criteria and the minimum remaining balance criteria will not be applicable for Micro SIP investors. Investors may submit any one of the PHOTO IDENTIFICATION documents (please refer paragraph � tled PAN under the General instruc� ons), along with Micro SIP applica� on and proof of address (self a� ested). No separate address proof is required for Photo ID with address men� oned on it.

The photo iden� fi ca� on documents have to be current and valid and also to be either self a� ested or a� ested by ARN holder (AMFI Registered Distributor). All the applicants including second and third applicant (if any) is mandated to submit any of the above documents along with appropriate ref. no. Systema� c Investment Plan for Corporate Employees: In this case, the concerned employer is required to forward to the AMC the Scheme applica� on cum SIP registra� on mandate form of the corporate employee who desires to invest in the Scheme. The applica� on amount for the corporate employees would also be forwarded by the employer on specifi c request from the concerned employee. The concerned employee has to authorize the employer to deduct the applica� on amount from his salary and remit the same to the Fund at regular intervals to ensure receipt of funds by the AMC on or before the next due date.

All other terms and condi� ons applicable to regular SIP investment shall be applicable for Micro SIP also.

Please refer the general guidelines for more details on KYC, Par� culars of Bank Account payment mode etc.

II. SYSTEMATIC TRANSFER PLAN (STP): This facility allows Unitholders to transfer specifi ed fi xed sums on periodic basis from one scheme

to other schemes launched by the Mutual Fund from � me to � me by giving a single instruc� on. A Unitholder may eff ect a Systema� c Transfer Plan (STP) by redeeming units of the transfer-out

(transferor) Scheme at the prevailing NAV, subject to Exit Load, if any and inves� ng the same amount in the transfer-in (transferee) scheme at prevailing NAV of the transfer-in Scheme. To seamlessly facilitate STP between two Schemes of the Mutual Fund, the Unitholder must comply with the redemp� on requirements of the transferor scheme and subscrip� on requirements of the transferee scheme.

Daily STP facility will be available only for transferring funds from IDBI Liquid Fund / IDBI Ultra Short Term Fund to IDBI Tax Saving Fund.

The Scheme off ers STP facility subject to following terms & condi� ons:1. STP facility is off ered with - daily (all Business days), weekly (1st Business day of the week),

monthly and quarterly (5th 15th or 25th) frequency. For e.g. an Unitholder op� ng for quarterly STP commencing February in a calendar year will have the following cycle for STP installments February, May, August and November. In case the date specifi ed is a non Business Day, the transac� on will be eff ected on next Business Day.

2. In case the frequency is not specifi ed, it will be considered as applica� on for monthly frequency and will be processed accordingly. In case the STP date is not specifi ed or in case of ambiguity, the STP transac� on will be processed on 15th of month / quarter. In case the end date is not specifi ed, the Fund would con� nue the STP � ll it receives termina� on no� ce from the Unitholder.

3. Minimum balance in the source (transferor) scheme should be Rs. 25,000 at the � me of enrollment for STP. If transferor scheme is selected as IDBI Tax Saver Fund the minimum criteria amount to be available without lock-in-period.

4. Minimum amount for each transfer for daily STP is Rs. 200 and in mul� ple of Re.1/- there a� er. Minimum amount for each transfer should be Rs. 1000 and in mul� ples of Re.1 therea� er for weekly & Monthly frequency or Rs. 2,500 and in mul� ples of Re.1 therea� er for quarterly frequency. STP from IDBI Tax Saving Fund to any other Schemes of IDBI Mutual Fund is available only a� er comple� on of lock-in period of 3 years.

5. The minimum term / dura� on of daily STP will be 30 installments, 12 for weekly & 4 for quarterly installments.

6. The transac� on through STP will be subject to applicable exit load in the transferor scheme.7. In case the Unitholder purchases addi� onal units in the transferor scheme, the STP facility

would be extended to such addi� onal units also.8. Units marked under lien or pledge in the source scheme will not be eligible for STP.9. The Unitholder who has opted for STP under a specifi c scheme can also redeem or switch his

units to any other eligible scheme provided he has suffi cient balance in his account on the date of such a request.

10. In case the unit balance in the transferor scheme is lesser than amount specifi ed by the Unitholders for STP, the AMC will transfer remaining unit balance to transferee scheme.

11. The facility will be automa� cally terminated if the units under the transferor scheme are pledged or upon receipt of in� ma� on of death of the Unitholder.

12. The applica� on for start of STP should be submi� ed to Offi cial Point(s) of Acceptance at least 7 days before the date of commencement / start date of STP. Unitholder may change the amount (but not below the minimum specifi ed) / frequency by giving wri� en no� ce to any of the Offi cial Point(s) of Acceptance at least 7 days prior to next transfer / STP execu� on date.

13. Unitholder can discon� nue STP facility at any � me by sending a wri� en no� ce to any of the Offi cial Point(s) of Acceptance, at least 7 days prior to next transfer / STP execu� on date.

14. The details, including mode of holding, of Unitholders’ in the transferee scheme will be as per the exis� ng folio in the transferor scheme. Units in the transferee scheme will be allo� ed in the same folio.

The AMC reserves the right to change the frequency, date(s) or other terms and condi� ons of STP. The AMC further reserves the right to add new Schemes to the list of Schemes off ering STP, as and when made available for subscrip� on or delete Schemes from the list of Schemes off ering STP. Please contact the nearest Investor Service Centre (ISC) of IDBI Mutual Fund for more informa� on on STP.

15. If STP date is a Non-Business Day, then the next Business Day shall be the STP date and the same will be considered for the purpose of determining the applicability of NAV.

16. STP will be terminated automa� cally in case of a Zero balance in the respec� ve Scheme-Folio on the run-date or expiry of the enrolment period whichever is earlier.

III. SYSTEMATIC WITHDRAWAL PLAN (SWP): This facility allows Unitholders to withdraw a fi xed rupee amount (a� er comple� on of the lock in

period and subject to deduc� on of tax at source , if applicable) on monthly basis by redemp� on of units in the Unitholders’ account. Withdrawal will be both from the unit capital and apprecia� on (if any) on the invested capital.

The Scheme off ers SWP facility subject to following terms & condi� ons:a. Unitholder can withdraw the amount on the 25th of each month. In case the 25th of the month is

a non Business Day, the transac� on would be eff ected on the next Business Day.b. Minimum balance in the Scheme should be Rs. 25,000 at the � me of enrollment for SWP. If transferor

scheme is selected as IDBI Tax Saver Fund the minimum criteria amount to be available without lock-in period.

c. Minimum amount for each withdrawal should be Rs. 1,000 and in mul� ples of Re.1 therea� er for a minimum period of 6 months

d. In case the Unitholder purchases addi� onal Units in the Scheme under the same folio, the SWP facility would be extended to such units also.

e. The facility will be automa� cally terminated if the units in the Scheme are pledged or upon receipt of in� ma� on of death of the Unitholder.

f. The redemp� on under SWP will be subject to applicable Exit Load.g. The applica� on for start of SWP should be submi� ed to Offi cial Point(s) of Acceptance at least 7

days before the date of commencement / start date of SWP. Unitholder may change the amount (but not below the minimum specifi ed) / frequency by giving wri� en no� ce to any of the Offi cial Point(s) of Acceptance at least 7 days prior to next SWP execu� on date.

h. Unitholder can discon� nue SWP facility at any � me by sending a wri� en no� ce to any of the Offi cial Point(s) of Acceptance, at least 7 days prior to next SWP execu� on date.

i. SWP will be terminated automa� cally in case of a Zero balance in the respec� ve Scheme-Folio on the run-date or expiry of the enrolment period whichever is earlier.

The AMC reserves right to change the frequency, date(s) or other terms and condi� ons of SWP. Please contact the nearest Investor Service Centre (ISC) of IDBI Mutual Fund for more informa� on on SWP.

Know Your Client (KYC)Application Form (For Individuals Only)

Please fill in ENGLISH and in BLOCK LETTERS with black ink

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A. Identity Details (please see guidelines overleaf)

Father’s/Spouse Name

Please affix

the recent passport

size photograph and

sign across it

PHOTOGRAPH

1. Name of Applicant (As appearing i n supporting i dentification document). Name

2. Gender B. Marital s tatus Single MarriedMale F emale C. Date of Birth /d d m m y y y y/

4. Status Please tick ( ) �Resident Individual Non Resident Foreign National (Passport Copy Mandatory for NRIs & Foreign Nationals)

Unique Identification Number (UID)/Aadhaar, if any:

5. PAN Please enclose a duly attested copy of your PAN Card

6. Proof of Identity submitted for PAN exempt cases Please Tick ( )�

Seal/Stamp of the intermediary should contain

Staff Name

Designation

Name of the Organization

Signature

Date

B. Address Details (please see guidelines overleaf)

C. Other Details (please see guidelines overleaf)

4. Any other information:

2. Occupation (Please tick ( ) any one and give brief details): �

Housewife Student Others (Please specify) Forex Dealer

Private Sector Service Public Sector Government Service Business Professional Agriculturist Retired

3. Please tick, if applicable: Politically Exposed Person Related to a Politically Exposed Person

For definition of PEP, please refer guideline overleaf

OR1. Gross Annual Income Details ( Please tick ( ): Below 1 Lac 1-5 Lac 5-10 Lac 10-25 Lac > 25 Lacs�

Net-worth in . as on (date)` (*Net worth should not be older than 1 year) /d d m m y y y y/

Date:Place:

I hereby declare that the details furnished above are true and correct to the best of my/our knowledge and belief and I undertake to inform you of any changes therein, immediately. In case any of the above information is found to be false or untrue or misleading or misrepresenting, I am/we are aware that I/we may be held liable for it.

DECLARATION SIGNATURE OF APPLICANT

2. Contact DetailsTel. (Off.) (ISD) (STD) Tel. (Res.)Mobile (ISD) (STD) FaxE-Mail Id.

(ISD) (STD)(ISD) (STD)

3. Proof of address to be provided by Applicant. Please submit ANY ONE of the following valid documents & tick ( ) against the document attached. Passport Ration Card Registered Lease/Sale Agreement of Residence Driving License * Bank A/c Statement/Passbook *Latest Telephone Bill (only Land Line) *Latest Electricity Bill *Latest Gas Bill Others

�

Voter Identity Card Latest (Please specify)

*Not more than 3 Months old. Validity/Expiry date of proof of address submitted

/d d m m y y y y/

5. Proof of address to be provided by Applicant. Please submit ANY ONE of the following valid documents & tick ( ) against the document attached. Passport Ration Card Registered Lease/Sale Agreement of Residence Driving License * Bank A/c Statement/Passbook *Latest Telephone Bill (only Land Line) *Latest Electricity Bill *Latest Gas Bill Others

�

Voter Identity Card Latest (Please specify)

*Not more than 3 Months old. Validity/Expiry date of proof of address submitted

/d d m m y y y y/

3. Nationality Indian Other (Please specify)

UID (Aadhaar) Passport Voter ID Driving Licence Others (Please see guideline ‘D’ overleaf

1. Address for Correspondence

Pin CodeCountry

City / Town / VillageState

4. Permanent Address of Resident Applicant if different from above B1 OR Overseas Address (Mandatory) for Non-Resident Applicant

City / Town / Village Pin CodeState Country

FOR OFFICE USE ONLY

(Attested) True copies of documents received

(Originals Verified) Self Certified Document copies received

AMC/Intermediary name OR code

Main Intermediary

Seal/Stamp of the intermediary should contain

Staff Name

Designation

Name of the Organization

Signature

Date

/d d m m y y y y/IPV Done on

A. IMPORTANT POINTS: Agreement of Residence/Driving License/Flat Maintenance 1. Self attested copy of PAN card is mandatory for all clients. bill/Insurance Copy.

2. Copies of all the documents submitted by the applicant should be 2. Utility bills like Telephone Bill (only land line), Electricity bill or Gas bill self-attested and accompanied by originals for verification. In case - Not more than 3 months old.the original of any document is not produced for verification, then

3. Bank Account Statement/Passbook - Not more than 3 months old.the copies should be properly attested by entities authorized for

4. Self-declaration by High Court and Supreme Court judges, giving the attesting the documents, as per the below mentioned list.new address in respect of their own accounts.

3. If any proof of identity or address is in a foreign language, then 5. Proof of address issued by any of the following: Bank Managers of translation into English is required.

Scheduled Commercial Banks/Scheduled Co-Operative 4. Name & address of the applicant mentioned on the KYC form, should

Bank/Multinationa Foreign Banks/Gazetted Officer/Notary match with the documentary proof submitted.

public/Elected representatives to the Legislative 5. If correspondence & permanent address are different, then proofs for Assembly/Parliament/Documents issued by any Govt. or Statutory

both have to be submitted. Authority.

6. Sole proprietor must make the application in his individual name & 6. Identity card/document with address, issued by any of the following: capacity. Central/State Government and its Departments,

Statutory/Regulatory Authorities, Public Sector Undertakings, 7. For non-residents and foreign nationals,(allowed to trade subject to

Scheduled Commercial Banks, Public Financial Institutions, Colleges RBI and FEMA guidelines), copy of passport/PIOCard/OCICard and

affiliated to Universities and Professional Bodies such as ICAI, overseas address proof is mandatory.

ICWAI, ICSI, Bar Council etc.,to their Members.8. For foreign entities, CIN is optional; and in the absence of DIN no. for

7. For FII/sub account, Power of Attorney given by FII/sub-account to the directors, their passport copy should be given.

the Custodians (which are duly notarized and/or apostiled or consularised) that gives the registered address should be taken.9. In case of Merchant Navy NRI’s, Mariner’s declaration or certified

copy of CDC (Continuous Discharge Certificate) is to be submitted.8. The proof of address in the name of the spouse may be accepted.

10.For opening an account with Depository participant or Mutual Fund, D. Exemptions/clarifications to PAN

for a minor, photocopy of the School Leaving Certificate/Mark sheet (*Sufficient documentary evidence in support of such claims

issued by Higher Secondary Board/Passport of Minor/Birth to be collected.)Certificate must be provided.1. In case of transactions undertaken on behalf of Central Government 11.Politically Exposed Persons (PEP) are defined as individuals who are

and/or State Government and by officials appointed by Courts e.g. or have been entrusted with prominent public functions in a foreign Official liquidator, Court receiver etc.country, e.g., Heads of States or of Governments, senior

politicians, senior Government/judicial/military officers, senior 2. Investors residing in the state of Sikkim.executives of state owned corporations, important political party

3. UN entities/multilateral agencies exempt from paying taxes/filing tax officials, etc.

returns in India.B. Proof of Identity( POI): List of documents admissible as Proof

4. SIP of Mutual Funds upto Rs 50,000/- p.a.of Identity:

5. In case of institutional clients, namely, FIIs, Mfs, VCFs, FVCIs, 1. PAN card with photograph. This is a mandatory requirement for all Scheduled Commercial Banks, Multilateral and Bilateral applicants except those who are specifically exempt from obtaining Development Financial Institutions, State Industrial Development PAN (listed in Section D).Corporations, Insurance Companies registered with IRDA and Public

2. Unique Identification Number (UID) (Aadhaar) / Passport / Voter ID Financial Institution as defined under section 4A of the Companies

card / Driving license.Act, 1956, Custodians shall verify the PAN card details with the original PAN card and provide duly certified copies of such verified 3. Identity card/ document with applicant’s Photo, issued by any of the PAN details to the intermediary.following: Central/State Government and its Departments,

Statutory/Regulatory Authorities, Public Sector Undertakings, E. List of people authorized to attest the documents:

Scheduled Commercial Banks, Public Financial Institutions, Colleges 1. Notary Public, Gazetted Officer, Manager of a Scheduled

affiliated to Universities, Professional Bodies such as ICAI, ICWAI, Commercial/Co-operative Bank or Multinational Foreign Banks

ICSI, Bar Council etc., to their Members; and Credit cards/Debit cards (Name, Designation & Seal should be affixed on the copy).

issued by Banks.2. In case of NRIs, authorized officials of overseas branches of

C. Proof of Address (POA): List of documents admissible as Proof Scheduled Commercial Banks registered in India, Notary Public,

of Address: (*Documents having an expiry date should be Court Magistrate, Judge, Indian Embassy/Consulate General in the

valid on the date of submission.)country where the client resides are permitted to attest the

1. Passport/Voters Identity Card/Ration Card/Registered Lease or Sale documents.

INSTRUCTIONS / CHECK LIST FOR FILLING KYC FORM

Please Submit the KYC Documents on A4 Size Paper Only.

POINTS OF ACCEPTANCE FOR APPLICATION FORM

OUR BRANCHES (INVESTOR SERVICE CENTRES)

Ahmedabad: IDBI Mutual Fund, IDBI Complex, 1st Floor, Near Lal Bunglow, Off CG Road, Ahd- 380 006. Bengaluru: IDBI Mutual Fund, IDBI House, 3rd Floor, No.58, Mission Road, Bengaluru- 560 027. Chennai: IDBI Mutual Fund, No: 6/11, Pa� ery Square, 1st fl oor, Balfour Road, Kellys Kilpauk, Chennai- 600 010. Chandigarh: IDBI Mutual Fund, IDBI Bank Ltd., 3rd fl oor, SCO 72/73 Bank Square, sector -17B, Chandigarh -160017. Delhi: IDBI Mutual Fund, IDBI Bank, 5th Floor, Red Cross Building, Red Cross Road, Parliament Street, New Delhi-110 001. Hyderabad: IDBI Mutual Fund, 3rd Floor 5-9-89/1 Chapel Road, Hyderabad-500001. Indore: IDBI Mutual Fund, IDBI Bank Ltd., Ground Floor, Alankar Chambers, Ratlam kothi, A. B. Road, Indore-452001. Kolka� a: IDBI Mutual Fund, IDBI House,6th fl oor, 44, Shakespeare Sarani, Kolkata 700 017. Kochi: IDBI Mutual Fund, IDBI Bank Corporate Offi ce, Near Passport Offi ce, Panampally Nagar, P. B. No. 4253, Kochi-680 366. Lucknow: IDBI Mutual Fund, IDBI Bank, 2 M G Marg, Kisan sekhari bhawan, Hazratganj, Lucknow -226001. Mumbai: IDBI Mutual Fund, 5th Floor, Mafatlal Centre, Nariman Point, Mumbai - 400 021. Pune: IDBI Mutual Fund, IDBI House, 4th Floor, Dnayaneshwar Paduka Chowk, SC Road, Shivaji Nagar, Pune-411 004.

KARVY INVESTOR SERVICE CENTRES

Agartala: Tripura ( West )J N Bari RoadBidurkarta Chowmuhani, Agartala-799001. Agra: Opp Megdoot Furnitures,Sanjay PlaceDeepak Wasan Plaza, Behind Holiday Inn1st Floor, Agra-282002. Ahmedabad: NavrangpuraOpp: Madhusudan House201/202 Shail, Ahmedabad-380006. Ajmer: Kutchery RoadAjmer TowerS. No. 1 & 2, 2Nd Floor, Ajmer-305001. Akola: Ground Floor, N.H. No- 06, Akola.Yamuna Tarang Complex, Shop No 30, Akola-444004. Aligarh: Kumar Plaza 1st Floor, Aligarh-202001. Allahabad: 57, S P Marg, Civil LinesAbove Sony Tv Showroom, RSA Towers, 2nd Floor, Allahabad-211001. Alleppy: KSRTC Bus StandMullackal X1V 172, Jp Towers, Alleppy-688011. Alwar: Road No.2Opp. Uit, Near Bhagat Singh Circle101, Saurabh Tower, Alwar-301001. Ambala: Adjacent Kos Hospitalambala CantNicholson Road,6349, Ambala-133001. Amrava� : Near Bhar� ya Mahavidhyalaya, RajapethBadnera RoadShop No 13 & 27, Gulshan Plaza, Amrava� -444605. Amritsar: Opp Aga Heritage ClubTaylor’S Road72-A, Amritsar-143001. Anand: Grid Char Rasta Nr TVS Down Town Shrow Room B-42 Vaibhav Commercial Center, Anand -380001. Ananthapur: Opp. To Lalitha Kala ParishadS R Towers, Subash Road#15/149, 1st Floor, Anantapur-515001. Ankleshwar: AnkleshwarOld Na� onal HighwayL/2 Keval Shopping Center, Ankleshwar-393002. Asansol: -Near Sony Centre, Bhanga Pachil 114/71 G T Road, Asansol-713303. Aurangabad: Near Osmanpura Circle Railway Sta� on Road Ramkunj Niwas, Aurangabad-431005. Azamgarh: Opp. Nagaripalika Civil LineAlkal Building 1st Floor, Azamgarh-276001. Balasore: Gopalgaon, Balasore,Orissa M.S Das Street Gopalgaon, Balasore-756001. Bangalore: Near Hosmat Hospital Richmond Road No 51/25, 1st Floor, Rathna Avenue, Bangalore-560025. Bankura: -Nutanganj, Post & Dist Bankura, Ambika Market Complex (Ground Floor), Bankura-722101. Bareilly: Near Railway Sta� on Civil Lines opp. Hotel Bareilly Palace 1st Floor, 165, Bareilly-243001. Barhampore (OR): Barhampur-760002 Ramlingam Tank Road, Barhampore (OR)-760002. Barhampore (WB): 72 No Nayasarak Road Post Berhampore Dist Murshidabad Thakur Market Complex, Gorabazar, Barhampore (WB)-742101. Baroda: Produc� vity Road, Alkapuri,Opp. Masonic Hall,Sb-5, Mangaldeep Complex, Baroda-390007. Begusarai: Kapasiya Chowk O.C Township Gate Near Hotel Diamond Surbhi Complex, Begusarai-851117. Belgaum: Club RoadAbove Raymonds Show Room Beside Harsha AppliancesCts No 3939/ A2 A1, Belgaum -590001. Bellary: -Gandhi Nagar,No. 1, Khb Colony, Bellary-583103. Betul: J. H. College Road 107, 1st Floor, Hotel Utkarsh, Betul-460001. Bhagalpur: Radha Rani Sinha RoadChandralok Complex,Ghantaghar2Nd Floor, Bhagalpur-812001. Bharuch: Near Kasak CircleAditya ComplexShop No 147-148, Bharuch-392001. Bha� nda: Above Max New York Life Insurance The Mall Road#2047-A 2Nd Floor, New Delhi-151001. Bhavnagar: Kalanala Opp ‘C’ Division Police Sta� on G-11 Giranjali Complex, Bhavnagar-364001. Bhilai: Nehru Nagar- EastPlot No -1, Commercial Complex Shop No -1, First Floor, Bhilai-490020. Bhilwara: Pur Road1St Floor, Heera Panna MarketShop No. 27-28, Bhilwara--. Bhopal: Above City Bank133, Zone I, MP Nagar Kay Kay Business Centre, Bhopal-462011. Bhubaneswar: -Saheed Nagar A/181, Back Side Of Shivam Honda Show Room, Bhubaneswar-751007. Bikaner: Sadul Ganj Panchsa� Circle70-71, 2Nd Floor | Dr.Chahar Building, Bikaner-334001. Bilaspur: -V R Plaza, Link Road, Bilaspur, C.G.Shop No-201 & 202, 1st Floor,, Bilaspur-495001. Bokaro: Near Sona Chandi Jwellars Sector- 4, B-1, 1St Floor, City Centre, Bokaro-827004. Burdwan: -Halder Complex 1St Floor 63 Gt Road, Burdwan-713101. Calicut: Mavoor Road Arayidathpalam IInd Floor Soubhagya Shopping Complex, Calicut-673004. Chandigarh: Sector 35-BAbove HDFC BankSco 371-372S, Chandigarh-160036. Chandrapur: Beside Azad Garden Main Road Rauts Raghuvanshi Complex Shop No-6 Offi ce No-2 1st Floor, Chandrapur-442402. Chennai: Egmore, Opp To Chief Metropolitan Courier108, Adhithanar SalaiF-11, Akshaya Plaza, 1St Floor, Chennai-600002. Chinsura: -Chinsurah, HooghlyJ C Ghosh Saranu,Bhanga Gara, Chinsurah-712101. Cochin: Near Atlan� s Junc� onPanampilly Nagar Ali Arcade, 1st Floor,Kizhavana Road, Ernakualm-682036. Coimbatore: -Avinashi Road 1057/1058 Jaya Enclave, 2nd Floor, Coimbatore-641018. Cu� ack: Dargha Bazar Opp Dargha Bazar Po - Buxi Bazar, Cu� ack, Cu� ack-753001. Darbhanga: ChowkAbove Furniture Planet,DonarJaya Complex,2Nd Floor, Darbhanga-846003. Davangere: -1st Floor, 2nd Main, P J Extn15/9 Sobagu Complex, Davangere-577002. Dehradun: Reliance WebworldNear Sirmaur MargaboveKaulagarh Road, Dehradun-248001. Deoria: Opp. Zila Panchayat, Civil Lines1St Floor1St Floor, Deoria-274001. Dewas: Above Maa Chamunda Gaes AgencySta� on Road27 Rmo House, Dewas-455001. Dhanbad: -Bank More208 New Market 2Nd Floor, Dhanbad-826001. Dharwad: P B Road,Opp N ,G, 7&8 Banashankari Avenue, Dharwad-580001. Dhule: Opp. Santoshi Mata MandirUpper Ground Floor,Sakri RoadAshoka Estate, Shop No. 14/A,, Dhule-424001. Dindigul: -Palani Road,No : 9 Old No:4/B, New Agraharam, Dindigul-624001. Durgapur: BenachityNachan Road1St Floor, Old Du� a Automobile Bldg,, Durgapur-713213. Eluru: -Near Dr.Prabhavathi Hospital,R.R.PetD.No:23B-5-93/1,Savithri Complex,Edaravari Street, Eluru-534002. Erode: Opp. Erode Bus StandKMY Salai, Sathy RoadNo: 4, Veerappan Traders Complex, Erode-638003. Faridabad: -Nehru GroundnitA-2B, Ist Floor, Faridabad-121001. Ferozpur: Opp. H.M School Kakar Building Malwal Road, 2nd Floor, Ferozepur-152002. Gandhidham: Kutchkala RoadBhagwa� Chamber203 2Nd Floor, Gandhidham. Gandhinagar: Opp Pathika Sector - 7/C Plot No - 945/2, Gandhinagar-382007. Gaya: Near Kiran CinemaTower Chowk,1st Floor Lal Bhawan, Gaya-823001. Ghaziabad: -Lohia Nagar 1st Floor c-7, Ghaziabad-201001. Ghazipur: MahaubaghShubhra Hotel Complex2Nd Floor, Ghazipur-233001. Gonda: Sta� on Road Sahabgunj Shri Market, Gonda-271001. Gorakhpur: Bank RoadA.D. Girls CollegeAbove V.I.P. House ajdacent, Gorakpur-273001. Gulbarga: Next To Adithya Hotel Asian Towers, Jagath Sta� on Main RoadCts No 2913 1St Floor, Gulbarga-585105. Guntur: 10/1ArundelpetD No 6-10-27,Srinilayam, Guntur-522002. Gurgaon: Near Huda Offi ceOpp. Akd TowerShop No.18, Ground Floor, Sector - 14, Gurgaon-122001. Guwaha� : Near Baskin RobbinsR G Barooah Road, Aidc 54 Sagarika Bhawan 2nd Floor, Guwaha� -781024. Gwalior: Near Nadi Gate Pul,Mlb Road shinde Ki Chhawani37/38, Lashkar, Gwalior-474001. Haldwani: Opp Lic Building, PilikothiSweet HouseAbove Kapilaz, Haldwani-263139. Haridwar: Main Road, Ranipur MoreAbove Vijay Bank 8, Govind Puri, Opp. LIC - 2, Haridwar-249401. Hassan: H.N. Pura RoadGround FloorSt Anthony’S Complex, Hassan -573201. Hissar: -Red Square MarketSco-71, 1st Floor, Hissar-125001. Hoshiarpur: Sutheri Road Opp Kapila Hospital 1st Floor, The Mall Tower, Hoshiarpur-146001. Hubli: Travellers Bunglow Eureka Junc� on22Nd & 23Rd, 3Rd Floor, Hubli-580029. Hyderabad: AbidsTilak Road4-1-898 Oasis Plaza, Hyderabad-500001. Indore: Opp. High CourtM.G. Road213 B City Center, Indore-452001. Jabalpur: Opp Shyam Market43 Naya Bazar Malviya ChowkGrover Chamber, Jabalpur-482002. Jaipur: Mahaver Marg C SchemeLand Mark Building Opp Jai ClubS16/A Iiird Floor, Jaipur-302001. Jalandhar: Offi ce No 3 Plot No 28 Lowe Ground FloorArora Prime Tower, Jalandhar-144001. Jalgaon: B/H Mahalaxmi Dairy Navi Peth113, Jalgaon-425001. Jalpaiguri: Opp Nirala HotelD B C Road Opp Nirala Hotel-, Jalpaiguri-735101. Jammu: Panama ChowkNear Panama Chowk Petrol Pump5 A/D Extension 2, Jammu-180012. Jamnagar: Nr Lal BunglowOpp Sbi Bank108 Madhav Palaza, Jamnagar-361001. Jamshedpur: Near Traffi c Signal Main Road, Bistupur Kanchan Tower, 3rd Floor, Jamshedpur-831001. Jaunpur: UmmarpurIn Front Of Pathak HondaR N Complex, 1-1-9-G, Jaunpur-222002. Jhansi: Near Jeevan Shah ChaurahaNarayan Plaza,Gwalior Road371/01, Jhansi-284001. Jodhpur: -Chopasni Road 203, Modi Arcade, Jodhpur-342001. Junagadh: Ranavav Chowk M.G Road 124-125 Punit Shopping Center, Junagadh-362001. Kannur: Nr.Icici BankFort Road2 Nd Floor, Prabhath Complex, Kannur-670001. Kanpur: Civil LinesOpp : Muir Mills15/46, B, Ground Floor, Kanpur-208001. Karaikudi: -100 Feet Road,Gopi Arcade, Karaikudi-630001. Karimnagar: Rajeev ChowkJafri Road, H.No.4-2-130/131, Above Union Bank, Karimnagar-505001. Karnal: Behind Miglani HospitalKunjpura Road18/369,Char Chaman, Karnal-132001. Karur: Near G.R.Kalyan Mahal,Thiru-vi-ka Road,No.6, old No.1304, Karur-639001. Kharagpur: Beside Axis Bank Ltd,-180 Malancha Road, Kharagpur-721304. Kolhapur: Near Sultane Chambers Laxmi Niwas 605/1/4 E Ward, Shahupuri 2Nd Lane, Kolhapur-416001. Kolkata: Opp- For� sh Hospital-166 A Rashbihari Avenue 2Nd Floor, Kolkata-700029. Kollam: -Shastri Junc� onSree Vigneswara Bhavan, Kollam-691001. Korba: P. Nagar,Indira Complex1St Floor, 35, Korba-495677. Kota: Shopping CentreNear Lala Lajpat Rai Circle29,Ist Floor, Kota-324007. Ko� ayam: Collectorate P ORailway Sta� on Road1St Floor Csiascension Square, Ko� ayam-686002. Kurnool: Near Sbi Main Branch Railway Sta� on RoadShop No.43, 1St Floor, S V Complex, Kurnool-518004. Lucknow: Ashok MargPrem Nagar24, Lucknow-226001. Ludhiana: Feroze Gandhi Market 1St Floor Above Airtel Showroom Sco - 136, Ludhiana-141001. Madurai: Opp Nagappa motors,Bye pass Road,Rakesh towers, 30-C, Ist fl oor, Madurai-625010. Malappuram: Up Hil Near U P SchoolFirst Floor,Cholakkal Building, Malappuram-676505. Malda: English Bazar Municipality,No.1 Govt Colony,Sahis Tuli, Under Ward No.6, Malda-732101. Mandi: -School Bazaar 149/11, Mandi -175001. Mangalore: -Karangal PadiMahendra Arcade Opp Court Road, Mangalore-575003. Margoa: Pajifond Dalal Commercial Complex 2nNd Floor, Margao -403601. Mathura: Gaushala Road, In Front Of Bsa CollegeAmbey Crown, Iind Floor, Mathura-281001. Meerut: Hapur Road Near Bachha Park Medi Centre opp ICICI Bank 1st Floor, Meerut-250002. Mehsana: Modhera Cross Road Opp Simandhar Temple Ul/47 Apollo Enclave, Mehsana-384002. Mirzapur: -Dawari GunjGirja Sadan, Mirzapur-231001. Moga: Civil Lines, Barat Ghar Mandir Wali Gali 1st Floor, Du� Road, Moga-142001. Moradabad: Above Syndicate Bank,Chowk Tari KhanaParker RoadOm Arcade, Moradabad-244001. Morena: Near Ramjanki

MandirNear Ramjanki MandirMo� Palace, Morena-476001. Mumbai: Behind Bse BldgAmbalal Doshi Marg,24/B, Raja Bahadur Compound, Fort-400001. Muzaff arpur: Thana Gum� mo� JheelUma Market Ist Floor, Muzaff arpur-842001. Mysore: Opp.Clock Tower Ashoka RoadL-350,Silver Tower, Mysore -570001. Nadiad: City Point NadiadNear Paras Cinema104/105, Nadiad-387001. Nagerkoil: -South Car Street 3A, Nagercoil-629001. Nagpur: Mangaldeep Appartment Opp Khandelwal Jewelers, Dharampeth Mata Mandir Road Plot No 2/1 House No 102/1, Nagpur-440010. Namakkal: -Paramathi Street 105/2, Arun Towers, Namakkal-637001. Nanded: Opp.Bank Of India Santakripa Market, G G RoadShop No.4, Nanded-431601. Nasik: Near Rajiv Gandhi Bhavan Sharanpur Road S-12, Suyojit Sankul, Nasik-422002. Navsari: Tower Rd Opp Sa� apir Rd1/1 Chinmay Aracade, Mavsari-396445. Nellore: Gandhi Nagar, PogathotaKeizen Heights 16-2-230, Room No : 27, 2nd Floor, Nellore-524001. New Delhi: -27 Barakhamba Road 305 New Delhi House, New Delhi -110001. Nizamabad: Beside Hdfc Bank,Hyderabad RoadA Bove Bank Of Baroda First Floor H No:5-6-430, Nizamabad-503003. Noida: Sector 26Opp Delhi Public School 307 Jaipuria Plazad 68 A, 2nd Floor, Noida-201301. Palghat: H.P.O.Road Metro Complex H.P.O.Road Palakkad No: 20 & 21, Palakkad-678001. Panipat: Above Amertex,G.T. Road,Krishna Tower1St Floor, Panipat-132103. Panjim: Room No 18,19 & 20,Dada Vaidya Road, Coelho Pereira Building City Business Centre, Panjim-403001. Pathankot: Patel Chowk Improvement Trust Building 1St Floor, 9 A, Pathankot-145001. Pa� ala: Near Car Bazaar Cho� Baradari Sco 27 D, Pa� ala-147001. Patna: Opp ICICI BankExhibi� on Road3A, 3rd Floor Anand Tower, Patna-800001. Pollachi: -New Scheme Road S S Complex, Pollachi-642002. Pondicherry: -Thiayagaraja Street,No:7, Pondicherry-605001. Proddatur: Beside Syndicate Bank Mydukur Road Shop No:4, Arave� Complex, Proddatur-516360. Puduko� ai: Near Anna Statue, Jublie Arts,Old Tirumayam Salai Sundaram Masilamani Towers, TS No. 5476 - 5479, Pm Road, Puduko� ai-622001. Pune: Near Dyaneshwar Paduka Chowk Shrinath PlazaOffi ce # 16, Ground Floor, F C Road, Pune-411005. Raipur: Behind Indian Coff ee House, Millenium Plaza, Room No. Ll 2& 32 & 3 Lower Level, Raipur-492001. Rajahmundry: Near Axis Bank Street T. Nagar D.No.6-1-4, Rangachary Street, Rajahmundry-533101. Rajapalayam: -Hospital Road, 40/C (1), Professional Couriers Building, Rajapalayam-626117. Rajkot: Rajkot Dr Yagnik Road 104, Siddhi Vinyak Com. Opp Ramkrishna Ashram, Rajkot-360001. Ranchi: Beside Mahabir Tower Commerce Tower Room No 307 3rd Floor, Ranchi-834001. Ratlam: Near Nokia Care Do Ba� 1 Nagpal Bhawan, Free Ganj Road, Ratlam-457001. Renukoot: Near Complex Birla MarketShop No. 18, Renukoot-231217. Rewa: Trans University Road, Civil Lines Besides Allahabad BankIst Floor, Angoori Building, Rewa-485001. Rohtak: Delhi Road Ashoka Plaza 1St Floor, Rohtak-124001. Roorkee: Near Income Tax Offi ce Civil Lines Shree Ashadeep Complex, 16, Roorkee-247667. Rourkela: -Kachery Road, Uditnagar 1St Floor Sandhu Complex, Rourekla-769012. Sagar: Infront Of Income Tax Offi ce 5 Civil Lines Above Poshak Garments, Sagar-470002. Saharanpur: -Court Road 18 Mission Market, Saharanpur-247001. Salem: Fairlands, Near Perumal Koil, Brindavan Road No:40, 2nd Floor, Salem-636016. Sambalpur: --Ground Floor Quality Massion, Sambalpur-768001. Satna: Rewa Road Near Bus Stand 1St Floor, Gopal Complex, Satna-485001. Shak� nagar: Dist Sonebhadra V V Colony 1st/A-375, Shak� nagar-231222. Shillong: Near R K M Lp School Lower Thana Road Annex Mani Bhawan, Shillong-793001. Shimla: -By Pas ChowkkhalliniTriveni Building, Shimla-171002. Shimoga: -Durgi GudiUdaya Ravi Complex, LLR Road, Shimoga-577201. Shivpuri: Near Bank Of IndiaM.P.R.P. Building,1St Floor, Shivpuri-473551. Sikar: -Behind Ram Mandir Near Taparya Bagichi First Floor, Super Tower, Sikar -332001. Silchar: PremtalaChowchakra ComplexN.N. Du� a Road, Silchar-788001. Siliguri: -Sevoke RoadNanak Complex, Siliguri-734001. Sitapur: Mal GodamArya Nagar Opp12/12-A Sura Complex, Sitapur-261001. Sivakasi: Opp: TNEB Thiruthangal Road 363, Sivakasi-626123. Solan: The Mall Adjacent Anand Cinema Complex Sahni Bhawan, Solan-173212. Solapur: Jule SolapurVaman Nagar, Opp D-Mart Block No 06, Solapur-413004. Sonepat: -Above Central Bank Of India 205 R Model Town, Sonepat-131001. Sri Ganganagar: Opp: Sheetla Mata Vaateka Sri Ganganagar 35E Block, Sri Ganganagar-335001. Srikakulam: Near Income Tax Offi ce Venkateswara Colony D.No-4-1-28/1, Srikakulam-532001. Sultanpur: Faizabad Road Civil Lines Rama Shankar Complex, Sultanpur-228001. Surat: Ring RoadNr Udhna DarwajaG-6 Empire State Buliding, Surat-395002. Thanjavur: -Srinivasam Pillai Road,No. 70, Nalliah Complex, Tanjore-613001. Tirunelveli: Near Aravind Eye HospitalS N Road55/18, Jeney Building, Tirunelveli-627001. Tirupathi: Near Palani Theater R C Road Flot No:16 1St Floor, Tirupathi-517501. Tirupur: Opp to Co� on market complexKamaraj RoadFirst fl oor, 224 A, Tirupur-641604. Tiruvalla: Opp Axis Bank Ramanchira 2nd Floor, Erinjery Complex, Thiruvalla-689107. Trichur: Near Dhanalakshmi Bank H O Naikkanal Junc� on, Shornur Road 2nd Floor, Brothers Complex, Thrissur-680001. Trichy: -Thennur High Road, 60, Sri Krishna Arcade, Trichy-620017. Trivandrum: Sasthamangalam Akshaya Tower 2Nd Floor, Trivandrum-695010. Tu� corin: Opp. Rajaji Park, Palayamko� ai Road, Mangalmal Mani Nagar,4 - B, A34 - A37, Tu� corin-628003. Udaipur: Opp G P O, Chetak Circle Madhav Chambers 201-202, Udaipur-313001. Ujjain: Freeganj 13/1 Dhanwantri Marg 101 Aashta Tower, Ujjain-456010. Valsad: Tithal RoadOpp Next Show Room Shop No 2, Phiroza Corner, Valsad-396001. Vapi: Near K P Tower Sheetal Appatment Shop No-12, Ground Floor, Vapi-396195. Varanasi: Sigra Anant Complex D-64/132 1st Floor, Varanashi-221010. Vellore: Krishna Nagar Offi cers Line 1, M N R Arcade, Vellore-632001. Vijayanagaram: Opp: Three Temples2Nd Floor, Near Fort Branch Soubhagya, 19-6-1/3, Vizianagaram-535002. Vijayawada: Labbipet Opp : Municipal Water Tank 39-10-7, Vijayawada-520010. Visakhapatnam: -Dwarakanagar Main Road Door No 47-14-5/1, Eswar Paradise, Visakhapatnam-530016. Warangal: Chandra Complex, Hanmakonda, Opp: B.Ed Collage, Lashkar Bazar 5-6-95, 1 St Floor, Warangal-506001. Yamuna Nagar: Near D.A.V. Girls College Above UCO Bank Jagdhari Road, Yamuna Nagar-135001.

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