Investment Objec ve Asset Alloca on Pa ern

The investment objec ve of the Scheme will be to generate returns that correspond closely to the returns generated by IDBI Gold Exchange Traded Fund.
Instrument Normal allocation (% of total assets) Minimum Maximum 100% 5% Medium to High Low 95% 0% Risk Prole

Units of IDBI Gold Exchange Traded Fund Reverse repo/ short-term xed deposits/ Money market instruments and in IDBI Liquid Fund Scheme of IDBI Mutual Fund

Risk Prole of the Scheme

Short-term xed deposits shall be held in the name of the Scheme and the dura on of such xed deposit shall not exceed 91 days from the date of deposit. The gross investment under the scheme, which includes investment in the underlying scheme, Reverse repo/ short-term xed deposits/ Money market instruments and in IDBI Liquid Fund Scheme of IDBI Mutual Fund will not exceed 100% of the net assets of the scheme. The scheme shall not invest in repo or reverse repo transac ons in corporate debt securi es. The Scheme will subscribe/redeem according to the value equivalent to unit crea on size as applicable for the underlying scheme directly from/to the underlying scheme. Alterna vely, the units of the underlying scheme may be acquired/ redeemed through the stock exchange where the units of the underlying schemes are listed. The Scheme does not propose to invest in Deriva ves, Securi zed Debt/ADRs/GDRs and foreign securi es. The Scheme shall not engage in short selling or securi es lending. 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 specied by SEBI from me to me. The Scheme, in line with the asset alloca on pa ern outlined above, shall invest primarily in physical Gold by inves ng exclusively in the underlying scheme and investments in Reverse repo/ short-term xed deposits/ Money market instruments and in IDBI Liquid Fund Scheme of IDBI Mutual Fund shall be only to the extent necessary to meet the liquidity requirements for mee ng repurchase/redemp ons and recurring expenses and transac on costs. In view of the nature of the Scheme, the asset alloca on pa ern as indicated above may not change, except in line with the changes made in SEBI (MF) Regula ons, from me to me. In the event of asset alloca on falling outside the limits specied in the asset alloca on table, the fund manager will endeavor to 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. No guaranteed returns are being oered under the scheme. IDBI Gold Fund will seek to invest predominantly in physical gold by inves ng exclusively in IDBI Gold Exchange Traded Fund. Accordingly the Scheme specic risk factors as applicable to IDBI Gold Exchange Traded Fund (underlying Scheme) will be also applicable to IDBI Gold Fund. Investors who intend to invest in the FoF Scheme are required to and deemed to have understood the risk factors of the underlying scheme. The Scheme specic risk factors for IDBI Gold Fund are detailed below: 1. The Scheme shall invest predominantly in IDBI Gold Exchange Traded Fund (IDBIGOLD). Hence the Schemes performance shall primarily depend upon the performance of IDBIGOLD. Any change in the investment policies or the fundamental a ributes of the underlying scheme could aect the performance of the Scheme. 2. The price of gold and by extension, the NAV of the underlying Scheme and the FoF Scheme may uctuate due to several reasons including but not limited to global macroeconomic events, demand and supply for gold in India and in the interna onal markets, currency uctua ons, Interest rates, Ina on trends, regulatory restric ons on the import and trade of gold etc. 3. The Scheme will subscribe to the underlying scheme according to the value equivalent to unit crea on size as applicable for the underlying scheme. When subscrip ons received are not adequate enough to invest in crea on unit size , the subscrip ons may be deployed in Reverse repo/ short-term xed deposits/ Money market instruments and in IDBI Liquid Fund Scheme of IDBI Mutual Fund which will have a dierent return prole compared to gold returns prole. Alterna vely, the units of the underlying scheme may also be acquired through the secondary market route. The price quoted on the stock exchanges may dier from the underlying NAV, poten ally leading to a higher acquisi on cost. 4. The units issued under the Scheme will derive liquidity primarily from the underlying scheme having crea on / redemp on eected in crea on unit size of 1 kg of physical gold and in mul ples thereof. At mes prevailing market environment may impact the ability of the underlying scheme to sell gold against the redemp on requests received leading to poten al delay in redemp on payout. In the event of an inordinately large number of redemp on requests, or re-structuring of the Schemes investment por olio, the processing of redemp on requests at mes may be delayed. As the Fund of Funds (FOF) scheme factsheets and disclosures of por olio will be limited to providing the par culars of the schemes invested only at the FOF level, investors may not be able to obtain specic details of the investments of the underlying scheme. However, as the scheme proposes to invest only in IDBI Gold Exchange Traded Fund (IDBI Gold ETF), the underlying assets of IDBI GOLD ETF will primarily be in physical gold. Investors in the FoF Scheme will bear recurring expenses and loads, if any, both at the Scheme level and also accruing at the underlying scheme level. Hence the returns from the FoF Scheme may be lower when compared to what an investor would receive if he invests a similar amount directly in the underlying scheme or physical gold. Passive Investment: Since the FoF Scheme will adopt a passive investment strategy, the Scheme will have atleast 95% of its monies invested in the underlying Scheme and will stay invested regardless of the price of Gold or the future outlook for the metal. The schemes performance maybe aected by a general price decline in the gold prices. Tracking Error: The Scheme may have to hold cash (not exceeding 5% of net assets) to meet ongoing recurring expenses, redemp on requirements, delay in purchase of Gold, transac ons costs, non-fulllment of crea on unit size etc. The performance of the Scheme may, therefore, be impacted by Tracking Error (devia on in the performance of the Scheme vis-vis the benchmark). However, the Mutual Fund shall endeavor to keep the annualized tracking error lesser than 2% (annualized) at all mes.

5.

6.

7.

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. Risk Factors specic to IDBI Gold Exchange Traded Fund 9. Counterparty Risk: There is no Exchange for physical gold in India. The Mutual Fund may have to buy or sell gold from the open market, which may lead to Counterparty risks for the Mutual Fund for trading and se lement. The Scheme does not intend to lend/lease Gold to third par es and all purchase/sale of Gold will be routed only through RBI nominated agencies/Banks permi ed to import Gold into the country to mi gate counterparty risk.

8.

10. Liquidity Risk: The Mutual Fund can sell gold only to bullion bankers/traders who are authorized to buy gold. Though, there are adequate numbers of players (nominated agencies/Banks) to whom the Fund can sell gold, the Scheme may have to resort to distress sale of gold if there is no or low demand for gold to meet its cash needs of redemp on or expenses. Trading in units of the scheme on the Exchange may be halted because of abnormal market condi ons or for reasons that in view of the Exchange authori es or SEBI, trading in units of the scheme is not advisable. In addi on, trading in units is subject to trading halts caused by extraordinary market vola lity and pursuant to Stock Exchange(s) and SEBI circuit lter rules as applicable from me to me. There can be no assurance that the requirements of the exchange/s necessary to maintain the lis ng of units of the scheme will con nue to be met or will remain unchanged 11. Currency Risk: The domes c price of gold will depend upon both the interna onal market price of gold (denominated in US$) as well as the conversion value of US dollar into Indian rupee. The formula for determining NAV of the units of the Scheme is based on the imported (landed) value of gold. The landed value of gold in computed by mul plying interna onal market price by US dollar value. Investors will be exposed to uctua ons in the value of US dollar against the rupee as the Mutual Fund will not be hedging this risk exposure. 12. Regulatory Risk: Any changes in trading regula ons by the stock exchange (s) or SEBI may aect the ability of Authorized Par cipant to arbitrage resul ng into wider premium/ discount to NAV. Any changes in the regula ons rela ng to import and export of gold (including customs duty, sales tax and any such other statutory levies) may aect the ability of the scheme to buy/sell gold against the purchase and redemp on requests received. 13. Asset Class Risk: The returns from physical Gold may underperform returns from the securi es or other asset classes and this may have an impact on the performance of the Scheme. 14. Physical gold: There is a risk that part or all of the Schemes gold could be lost, damaged or stolen. Access to the Schemes gold could also be restricted by natural events or human ac ons. Any of these ac ons may have adverse impact on the opera ons of the scheme and consequently on investment in units. The Mutual Fund will ensure that the Gold held under the Scheme with the Custodian will be fully insured against the occurrence of such events. 15. Risks associated with investments in 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. The AMC seek to manage credit risk by restric ng investments only to investment grade securi es. Regular review of the issuer prole 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, ina 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 prole and poten al redemp on expecta ons into the por olio construc on to allow the scheme to liquidate assets without signicantly impac ng por olio returns. Reinvestment risk: This risk arises from uncertainty in the rate at which cash 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.

iv

Plan and Op ons Applicable NAV (a er the scheme opens for repurchase and sale)

The AMC will endeavor to manage this risk by diversifying the investments in instruments with appropriate maturity baskets. Growth op on only. The Scheme does not propose to declare any dividends. Subscrip on The following cut-o Timings shall be applicable in respect of purchase of units in the Scheme and 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 Ocial 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 Ocial 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 Ocial 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.

Minimum Applica on Amount/ Number of Units

In case of switch-in transac ons also the aforesaid cuto me for receipt of applica on shall be applicable. Redemp on The following cut-o 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 closing NAV of the day on which the applica on is received; and b. An applica on received a er 3.00 pm closing NAV of the next business day. Switches: Switch-out: Valid applica ons for 'switch-out' shall be treated as applica ons for Redemp on and the provisions of the Cut-o 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). Purchase Repurchase / Switch-out For new purchases (During NFO and on an ongoing basis) Rs. 1000 or 100 units whichever is lower Rs. 5000 and in mul ples of Re. 1 therea er For Systema c Investment Plan Rs. 1000 for a minimum period of six months Rs. 500 for atleast 12 months

Rs.1500 per quarter for atleast 4 quarters. Mul ples of Re. 1 for all SIP in both Op ons irrespec ve of frequency of SIP Addi onal Purchases Rs. 1000 and in mul ples of Re. 1 therea er Dispatch of Repurchase (Redemp on) Request Benchmark Index Dividend Policy Name of the Fund Manager Name of the Trustee Company Performance of the scheme Expenses of the Scheme (i) Load Structure 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. Domes c price of Gold The Scheme does not propose to declare any dividend Mr. V. Balasubramanian IDBI MF Trustee Company Limited IDBI Gold Fund is a new scheme and does not have any performance track record New Fund Oer Period On an ongoing basis The ini al issue expenses of IDBI Gold Fund would be borne by the Asset Entry Load: Not applicable Management Company Exit Load: 1% for exit within 12 months from the date of allotment Load Structure Entry Load: Not Applicable Exit Load: 1% for exit within 12 months from the date of allotment For SIP / SWP / Switch (NFO & an Ongoing basis): 1% for exit on or before 1 year from the date of allotment of each installment. 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. In order to enable people with small saving poten al and to increase reach of Mutual Fund products in urban areas and smaller towns, SEBI has vide Cir/ IMD/ DF/13/ 2011 dated August 22, 2011 has been decided that a transac on charge per subscrip on of Rs.10000/- and above be allowed to be paid to the distributors of the Mutual Fund products from the date of this circular. 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 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 inows. 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 distributor level and not investor level i.e. a distributor shall either charge all the investors or opt to not charge any of the investors.

Transac on Charges

It is also claried 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. Recurring expenses The investors in the scheme will be charged a maximum of 1.5% p.a. of the daily or weekly average net assets of IDBI Gold Fund including the expenses charged in its underlying investment in IDBI Gold Exchange Traded Fund. If the expenses exceed the limits stated above, the expense in excess of 1.5% per annum shall be borne by the AMC/Trustee/Sponsor. Waiver of Load for Direct Not applicable Applica ons Tax treatment for the IDBI Gold Fund Resident Investors** Mutual Fund** Investors (Unitholders) Tax on Dividend Dividend not proposed Dividend not proposed Capital Gains Long Term 10% p.a. without indexa on / 20% p.a. with indexa on Nil whichever is lower (plus applicable surcharge & CESS) Short Term Rates applicable to Unit holders as per their income slabs (plus Nil applicable surcharge & CESS)

Daily Net Asset Value (NAV) Publica on For Investor Grievances, please contact

** For further details on taxa on please refer to the Sec on on Taxa on in the SAI NAV of the Scheme will be computed on all business days. The NAV, Sale Price and Repurchase Price will be published in two daily newspapers with a one day lag with an asterisk to indicate the one day me lag/or the actual me lag. NAV can also be viewed on www.idbimutual.co.in and www.amindia.com Registrar IDBI Mutual Fund Computer Age Management Services Private Limited Mr. S.V. Durga Prasad AVP & Investor Rela ons Ocer (CAMS) IDBI Asset Management Ltd., SEBI Registra on Number: INR000002813 5th Floor, Mafatlal Centre, New No. 10, Old No. 178, MGR Salai, Nariman Point, Mumbai- 400021 Nungambakkam, Chennai 600034 Tel: 022-66442800; Fax: 022-66442801 Tel: 044-30407000; Fax: 044-24581750 Email: contactus@idbimutual.co.in Email: enq_id@camsonline.com Account Statement: For all applicants whose applica on has been accepted, the AMC shall send a conrma on specifying the number of units allo ed to the applicant by way of email and/or text SMSs to the applicants 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 based on the PAN of the investor 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 month, across all schemes of all mutual funds. 2. Scheme Por olio and Unaudited half-yearly results: The Mutual Fund shall publish a complete statement of the scheme por olio and the unaudited nancial results, 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 oce 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 Annual Report: The Scheme wise Annual Report or an abridged summary thereof shall be mailed to all Unitholders within four months from the date of closure of the relevant accounts year i.e. 31st March each year. The scheme wise annual report or Abridged Annual Report will be sent in electronic form on their registered email address in the manner specied by the Board. The AMC shall also display the link of the full scheme wise annual report prominently in its website and also in the website of AMFI. The full Annual Report shall be available for inspec on at the Head Oce of the mutual fund and a copy thereof shall be made available to unit holder on payment of such nominal fees as may be specied by the mutual fund. The Por olio Statement, unaudited 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 specically 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 diculty 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/contac ng the AMC/ ISC/R&T.

Unitholders Informa on 1.

Date: 3rd July 2012

GENERAL INFORMATION AND GUIDELINES

GENERAL INFORMATION a. Mutual Fund Investments are subject to market risks, please read all scheme related documents, the Statement of Addi onal Informa on (SAI) and the Scheme Informa on Document (SID), containing the terms of oer carefully before inves ng. Prospec ve investors should not treat the contents of this document or the SID of the scheme as advice rela ng to legal, taxa on, investment or any other ma er and are recommended to consult their own professional advisors concerning the acquisi ons, holding or disposal of the Units. It must be understood clearly that all applicants are deemed to have accepted the terms subject to which this oer is being made and bind themselves to the terms upon signing the applica on form and tendering payment. The SID/SAI/Key Informa on Memorandum of the Scheme is available with the Investor Service Centres (ISCs) of IDBIMF, AMFI cer ed brokers/distributors and also available for download on the IDBIMF website i.e. www.idbimutual.co.in 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. Submission of Applica on Forms: Applica on form complete in all respects with the necessary remi ances may be submi ed on an ongoing basis at IDBI MF Corporate Oce, IDBI MF ISC/ocial Points of Acceptance of the Registrar or such other collec on centers as may be designated by the AMC. The list of collec on centres is printed on the last page. Applica ons received by post/courier will be deemed to have been submi ed on date of receipt at the designated collec on centre. Investors are advised to retain the acknowledgement slip signed/stamped by the collec on centre where they submit the applica on. 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 for rejec on. to each Unit holder by e-mail. Unit holders who have provided email id to receive these documents by e-mail will be required to download and print the documents a er receiving an e-mail from the Mutual Fund. Should the Unit holder experience any diculty 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 Newsle er shall be displayed at the website of the Mutual Fund. The Unit holders can request for a copy of the Newsle er by post/ e-mail. The AMC would arrange to dispatch these documents to the concerned Unit holder. e) f) Address: Please provide the complete postal address. For NRI investors mandatory to provide the Overseas address also. PAN (Permanent Account Number): Pursuant to SEBI le er MRD/ DOP/PAN/PM/166999 dated June 19, 2009 addressed to AMFI and in compliance with AMFI Guidelines dated July 14, 2009, investment up to Rs. 50,000 per investor per nancial year in SIP (Micro SIP) shall be exempted from the requirement of PAN subject to submission of voters ID, Driving license, Government/Defense iden ca on card, Passport, Photo Ra on Card, Photo Debit card, Employee ID card issued by companies registered with ROC, Photo iden ca on issued by scheduled commercial and district co-opera ve Banks, universi es or ins tutes under statute (like ICAI,ICWAI,ICSI), PRAN card issued by NSDL or any other photo ID card issued by Govt authori es. This exemp on will be applicable only to investments by individuals (but not NRIs and POIs), Minors and Sole proprietary rms. HUFs and other categories will not be eligible for such exemp on. The exemp on is applicable to joint holders also. In order to enroll for Micro SIP investors are required to ll in the SIP Enrolment Form (by indica ng their choice for Micro SIP in the appropriate space provided) available with the ISCs, Distributors /agents or downloading from the website www.idbimutual.co.in. In case any document submi ed by Investor is found defec ve, then Mutual Fund will be liable to reject the applica on. g) Know your Customer (KYC) Policy: SEBI vide circulars dated October 5, 2011, December 2, 2011 and December 23, 2011 has simplied 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. In-Person Verica on:- With eect from January 1, 2012 in person verica 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 verica on by the AMC/MF. KYD complied distributors, employees of IDBI Asset Management Ltd and employees of Registrarand Transfer agent appointed by IDBI mutual Fund are authorised to perform the inperson verica on on behalf of IDBI Mutual Fund.

b.

c.

d. e.

GUIDELINES TO HELP YOU COMPLETE THE APPLICATION FORM 1. FIRST APPLICANTS PERSONAL DETAILS: a) Applica ons for Individuals: Please write your name in the sequence of First Name, Middle Name and Last Name. Please do not abbreviate any name. Preferably write your name exactly as it appears in the Bank Account Applica ons for Non-Individuals: Companies, Trusts, Partnership rms, Socie es or any other associa on should write the name exactly as it appears in its Incorpora on document and in the Bank Account Date of Birth: Date of Birth is mandatory for Minor and others please ll in your date of birth as this may be required to iden fy you when communica ng with us. Email ID/ Email Communica on: The Ministry of Corporate Aairs, vide circular No 17/ 2011 dated April 21, 2011, has taken a Green Ini a ve in the Corporate Governance and encouraged the companies and its shareholders to register their email id for receiving the documents in electronic forms, if they so desire. IDBI Mutual Fund supports these ini a ves and we, therefore, request our unit holders who have ac ve email IDs, to register the same with us. Correspondence through email will help you receive faster response from us on all your queries/ complaints and also to receive documents like Statements of Account, half yearly reports, abridged annual reports or annual reports and various transac on alerts in your account without any transit delay. You will have the added advantage of downloading your up-to-date Statement of Account from our website. Once you have registered your e-mail ID with us, statement of accounts, periodical reports and other communica ons as men oned above will be sent to your registered email ID. However, in case you wish to receive a physical copy of these documents, you can approach any of our oces or write to us and we will send them to your address in our records. All Account Statements/ Newsle ers/ Annual Reports / Other statutory informa on (as may be permi ed under SEBI (Mutual Funds) Regula ons, 1996) can be sent

b)

c)

d)

h)

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 in the website of AMC. Mode of Payment i. For Resident investors Cheque/DD should be drawn in the name of the Scheme and PAN of the applicant should be wri en in the cheque. e.g. IDBI Gold Fund A/C XXXXXXXX (1st Unit Holder PAN). The cheque/DD shall be crossed A/c payee. Where an investor subscribes for units vide prefunded instruments like DD/payorder/ bankers cheque issued by way of debit to his / her bank account, a proof of debit to the investors bank account in the form of a bank managers cer cate with details of account holders Name, bank account number and PAN as per bank records, OR 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 OR a copy of the passbook/bank statement evidencing the debit for issuance of a DD shall be provided. If the instrument is purchased against Cash, a bankers cer cate for issuance of such instrument against cash that also states the investors Name, bank account number and PAN as per bank record is a must. If payment is made by RTGS, NEFT, ECS, bank transfer, etc., a copy of the instruc on to the bank sta ng the account number debited must accompany the purchase applica on. No cash or third party cheques will be accepted. When payment is made through instruments issued from an account other than that of the beneciary investor, the same is referred to as Third-Party payment. Restriction on acceptance of Third Party Payments: Any applica on accompanied with third party payment for subscrip on to units of Scheme(s) is liable for rejec on without any recourse to the applicant or investor. It is claried that Third Party Payment would mean a payment is from a bank account other than that of the beneciary investor. In case of payments received from a bank account which is jointly held, the rst holder of the mutual fund subscrip on has to be one of the joint holders of the bank account, from which such payment is made. Excep ons to Third Party Payments: Subject to the submission of requisite documenta on and declara ons, the following third party payments will be accepted by the AMC / Mutual Fund. a) Payment by Parents / Grand-Parents / Related persons on behalf of a minor (other than registered guardian) for a value not exceeding Rs. 50,000 (each purchase or each SIP installment) in considera on of natural love and aec on or as gi . However this restric on will not be applicable for payment made by a guardian whose name is registered in the records of Mutual Fund in that folio. Payment by an Employer on behalf of Employee under Systematic Investment Plans or lump sum / one-time subscrip on through Payroll deduc ons. Custodian on behalf of an FII or a Client. Investments made through the excep onal cases men oned above, are required to comply with the following. Mandatory KYC Acknowledgement Le er of the Investor as well as of the person making the payment (i.e. the third party) should accompany the applica on form. Declara on from the Investor and the person making the payment i.e. the third party, giving the details of the bank account from which the payment is made and the rela onship with the beneciary. Important Note: The declarations mentioned above should accompany each purchase applica on. In order to enable verification of the source of funds the investors are required to ensure the following requirements while subscribing to the units of the Schemes of the Mutual Fund:

a)

i)

At the me of his / her / their purchase, investors to provide the details of his / her / their pay-in bank account (i.e. account from which a subscrip on payment is made) and his/ her / their pay-out bank account (i.e. account into which redemp on / dividend proceeds are to be paid). In case, an investor has mul ple accounts, the investor to register them with the AMC in accordance with the procedure set out in para below. The investor to submit any one of the following documents to establish that the payment is made from the bank account of the rst unit holder: Cancelled cheque leaf depic ng name of the rst unit holder or In case, name of the rst holder / applicants is not printed on payment cheque, a cancelled cheque and copy of Bank Pass Book / Bank Statement or A Cer cate, in original, on le er head from the Branch Manager cer fying that the investor maintains a bank account with the bank and men oning the details like bank account number and branch address.

b)

c)

d)

If the subscrip on is se led with pre-funded instruments such as Pay Order, Demand Dra , Bankers cheque, etc., investors to provide a Cer cate from the Issuing banker sta ng the Account holders name and the Account number which has been debited for issue of the pre-funded instrument. The bank account number men oned in the cer cate must be the account which is registered with the Fund or the rst named applicant / investor should be one of the holders of the said bank account. Note: A pre-funded instrument issued by the Bank against Cash shall not be accepted by the AMC / Mutual Fund for investments of Rs. 50,000/- or more. This also should be accompanied by a cer cate from the banker giving name, address and PAN (if available) of the person who has requested for the demand dra .

e)

If payment is made by RTGS, NEFT, ECS, bank transfer, etc., investors should submit a copy of the instruc on to the bank sta ng the account number debited along with the purchase applica on. An investor must a ach a Cer cate, in original, on le er head from the banker cer fying account holders name and account number which has been debited for issue of the instruments. The bank account number men oned in the cer cate must be the account which is registered with the Fund or the rst named applicant / investor should be one of the holders of the said bank account. In case, the payment is made by online transfer of funds, the copy of transfer conrma on, showing the details of date of payment, debit and credit accounts and amount of transfer, is a ached. In case, the details and addi onal documents, where necessary, as men oned above are not submi ed with each subscrip on applica on, the applica on will be deemed to be through a Third Party payment and is liable to be rejected without any recourse to the applicant / investor. In case, the funds are transferred to the mutual fund prior to rejec on of the subscrip on, addi onal documents / details with respect to the investor and the payment may be sought prior to ini a ng a refund. 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 dened as a demand dra issued by a bank where there is

b)

f)

c)

g)

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. h) If the investor is making payment from his/her/its Bank account or such banks where AMC has special arrangement, investor has the op on to submit a debit mandate to his/her their account along with the applica on rather than submi ng Cheque/DD. At Present we have the e up with IDBI Bank and HDFC Bank only

ii.

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 cate from the Bank issuing the dra conrming 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 cate from the Bank issuing the dra conrming the debit shall also be enclosed.

account informa on will be used for such payments to Unit holders. If the redemp on request is received along with a request for a change in bank mandate, the redemp on applica on will be processed rst and proceeds will be credited to the registered/ default bank account of the investor. The request for change in bank mandate will be processed and made eec ve for future transac on only. However, in excep onal situa ons, under the specic instruc on of the investor, the proceeds will be credited to a new bank account, if sucient document is provided to prove that the new bank account to which the proceeds are requested to be credited is also belongs to the same investor. Investors are advised to submit the change of bank mandate request atleast 10 days prior to submission of redemp on request incase he/she/it wish to receive the redemp on proceeds to un registered new bank account to enable the AMC/R&T to complete the bank account registra on process. Indian Financial System Code (IFSC): IFSC is a 11 digit number given by some of the banks on the cheques. IFSC will help to secure transfer of redemp on and dividend payouts via the various electronic mode of transfers that are available with the banks. 4. INVESTMENT AND PAYMENT DETAILS: Pay - in Bank Account: An investor at the me of his/her purchase of units must provide the details of his / her pay-in bank account (i.e. account from which a subscrip on payment is being made) in Sec on 9 in the applica on form. In order to prevent frauds and misuse of payment instruments, the investors are mandated to make the payment instrument such as cheque, demand dra , pay order, etc, favoring the following given below and crossed Account Payee only. a. the Specic Scheme A/c Permanent Account Number e.g.: IDBI Gold Fund A/C XXXXXXX (PAN) or b. the Specic Scheme A/c First Investor Name* * Applicable only for Micro SIP investors or investors from the state of Sikkim. e.g. : IDBI Gold Fund A/C XXXXXXX (PAN) or IDBI Gold Fund A/C XXXXXXX (Name of the First holder) ASBA: Investors have the addi onal op on to par cipate in the NFO through the ASBA process. For using ASBA facility investors should approach Self Cer ed Syndicate Banks (SCSBs) providing ASBA facility and submit the ASBA applica on form authorizing blocking of funds fromthe bank account specied in the ASBA Applica on Form. ASBA facility is available only for investors desirous of subscribing units in the dematerialized form. When investor desires to hold units in dematerialized form, KYC performed by Depository Par cipant (DP) will be considered compliance with applicable requirements specied in this regard in terms of SEBI circular ISD/AML/ CIR-1/2008. ASBA forms for making investments in the units of IDBI GOLD FUND is available with all SCSB and in the website of the Mutual Fund. The acknowledgement for receiving the applica on by the designated Branches of the SCSBs does not guarantee that the Mutual Fund units shall be allo ed either by the SCSB or the Mutual Fund. The Applica on shall be further processed by the Registrar & Transfer agent appointed by the Mutual Fund and units shall be allo ed a er deduc ng the blocked amount, only if the applica on is complete in all respect. The ASBA Applicants shall specify the bank account number and the Depository account number in the ASBA Applica on Form and the SCSB shall block an amount equivalent to the Applica on Amount in the bank account specied in the ASBA Applica on Form. The SCSB shall keep the Applica on Amount in the relevant bank account blocked un l withdrawal/ rejec on of the ASBA Applica on or receipt of instruc ons from the Registrar to unblock the Applica on Amount. In the event of withdrawal or rejec on of the ASBA Applica on Form or for unsuccessful ASBA Applica on Forms, the Registrar shall give instruc ons to the SCSB to unblock the applica on money in the relevant bank account. The SCSB will then unblock the applica on money within one day of receipt of such instruc on. The Applica on Amount shall remain blocked in the ASBA Account un l scru ny of the documents by the registrar of the Mutual Fund and consequent transfer of the Applica on Amount to the Account of the

2.

SECOND AND THIRD APPLICANTS DETAILS: The names of Second and Third Applicants should be provided here. Please see guideline 1 above.

3.

BANK PARTICULARS: SEBI has made it mandatory for investors in mutual funds to state their bank account numbers in their applica ons and in redemp on requests. Investors are requested to provide these details in the space provided in the applica on form to enable verica on of the bank mandate details and to also ensure expedi ous clearing of instruments. This measure is intended to avoid fraud/misuse or the of warrants in transit. Please note that applica ons not containing these details may be rejected. Change in Bank Details: Investors shall submit the following documents for eec ng change in the registered bank account with the mutual fund Transac on slip/Request le er from investor; AND Cancelled original cheque carrying the account number and name of the investor printed on it for New Bank Mandate; OR Original Bank Statement. True copy will be accepted only if the original is brought to the branch for verica on; OR True copy of Bank Passbook only if the original Passbook is brought to branch for Verica on. If the bank account number on the cheque leaf is handwri en or investor name is not printed on the face of the cheque, bank account statement or pass book giving the name, address and the account number should be enclosed in original. If photocopies are submi ed, investors must produce original for verica on. In the event of a request for change in bank account informa on being invalid / incomplete / dissa sfactory in view of signature mismatch/insuciency of documents/not complying with any requirements more specically as indicated in the applica on form, the request for such change will not be processed. Redemp on/ Dividend payments, if any, will be processed as per specied service standards and the default bank

Mutual Fund, or un l withdrawal/ failure of the NFO or un l rejec on of the ASBA Bid, as the case may be. All successful applicants will be allo ed with units in dematerialized form to the depository account of the applicant. 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 are available in the SID of respec ve schemes. 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. Investors can select the op on of receiving units in dematerialized mode at the me of subscrip on of units in the applica on form and in that case the units will be credited to the depository account of the investor. The statement of account issued by the depository par cipant will be sucient 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 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. 5. MODE OF PAYMENT OF REDEMPTION/ DIVIDEND PROCEEDS VIA DIRECT CREDIT/ RTGS OR NEFT/ ECS Direct Credit: The AMC has entered into arrangements with IDBI Bank and HDFC Bank to facilitate direct credit of redemp on and dividend proceeds (if any) into the bank account of the respec ve Unit holders maintained with any of these banks. The list of banks is subject to change from me to me. Real Time Gross Se lement (RTGS) and Na onal Electronic Funds Transfer (NEFT): The AMC provides the facility of RTGS & NEFT oered by Reserve Bank of India (RBI), which aims to provide credit of redemp on and dividend payouts (if any) directly into the bank account of the Unit holder maintained with the banks (par cipa ng in the NEFT System). Unit holders can check the list of banks par cipa ng in the NEFT System from the RBI website i.e. www.rbi.org.in or contact any of our Investor Service Centres. However, in the event of the name of Unit holders bank not appearing in the List of Banks par cipa ng in RTGS & NEFT updated on RBI website, from me to me, the instruc ons of the Unit holder for remi ance of redemp on/ dividend (if any) proceeds via NEFT System will be discon nued by IDBI Mutual Fund without prior no ce to the Unit holder and the payouts of redemp on / dividend (if any) proceeds shall be eected by sending the Unit holder(s) a cheque/ demand dra . For more details on NEFT or for frequently asked ques ons (FAQs) on RTGS and NEFT, Unit holders are advised to visit the RBI website. Electronic Clearing Service (ECS): Investors who have opted for the ECS facility of RBI for dividend payment will receive a direct credit of the amount due to them in their mandated account whenever the payment is made through ECS. A separate advice regarding credit of amount(s) via ECS will be sent to the unit holder. It should be noted that while the Mutual Fund will make all eorts, there is no commitment that this facility will be made available to all desirous investors. Applicants in ci es not covered under ECS facility will receive dividend payments, if any by cheques or demand dra s and the same will be mailed to the Unitholders. Please note that the ECS Facility is available only in respect of dividend payments and not in the case of Redemp on of Units. Therefore, the Investors will receive their redemp on / dividend proceeds (if any) directly into their bank accounts in the following order: (i) In case the bank account of an investor is covered under Direct Credit facility then the payment of redemp on / dividend proceeds (if any) will happen via direct credit payout mode only. Investors having these bank accounts will not receive payouts via NEFT/ECS* 6.

(iii) The facility for payment of dividend proceeds, if any via ECS* shall be aected only in case the bank account of an investor is not covered under the Direct Credit facility or NEFT system. * available only in respect of dividend payments. Each of the above facili es aims to provide direct credit of the redemp on proceeds and dividend payouts (if any) into the bank account (as furnished in Applica on Form) of the Unit holder and eliminates the me lag between despatch of the cheque, its receipt by the Unit holders and the need to personally bank the instrument and await subsequent credit to the Unit holders account. Further, the poten al risk of loss of instruments in transit through courier/ post is also eliminated. Each of the said facility as a mode of payment is faster, safer and reliable. In case the bank account as communicated by the Unit holder is with any of the said banks with whom the AMC has entered into arrangements to facilitate such direct credits or with any of the banks par cipa ng in the NEFT System oered by RBI, the AMC shall automa cally extend this facility to the Unit holders. IDBI Mutual Fund shall not be held liable for any losses/ claims, etc. arising on account of processing the direct credit or credit via NEFT/ ECS of redemp on / dividend proceeds on the basis of Bank Account details as provided by the unit holder in the Applica on Form. The AMC would then ensure that the payouts are eected by sending the Unit holders a cheque/ demand dra . In case of unforeseen circumstances, the Mutual Fund reserves the right to issue a cheque / demand dra . E SERVICES FACILITY The E-services facility includes IDBI Online, E-alerts and E-payouts. IDBI MF online: - This facility is available only for exis ng unit holders of IDBI Mutual Fund. 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 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 conrma 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. 7. NOMINATION 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 conrming their non-inten on to nominate. Nomina on is not allowed in a folio held on behalf of a minor. 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.

ii.

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 firm, Karta of Hindu undivided family (HUF), holder of Power of A orney cannot nominate. iv. v. 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. Nomina on can also be in favour of the Central Government, State Government, a local authority, any person designated by virtue of his oce or a religious or charitable trust.

(ii) In case the bank account of an investor is not covered under Direct Credit facility but covered under NEFT system oered by the RBI then the payment of redemp on (maturity) / dividend proceeds (if any) shall be eected via NEFT mechanism only.

vi. The Nominee shall not be a Trust, other than a religious or charitable trust, society, body corporate, partnership 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.

2.1. Le er Reques ng for change of Karta, 2.2. Death Certificate in original or photocopy duly notarized or a estedby gaze e ocer or a bank manager, 2.3. Duly cer ed Bank cer cate sta ng that the signature anddetails of new Karta have been appended in the bank accountof the HUF - Annexure I 2.4. KYC of the new Karta and KYC of HUF, if not already submi ed. 2.5. Indemnity bond signed by all the surviving coparceners and newKarta - Annexure V (can be downloaded from AMC website). 2.6. In case of no surviving co-parceners AND the transmission amount is Rs One Lakh or more OR where there is an objec on from any surviving members of the HUF, transmission should be eected only on the basis of any of the following mandatory documents: a. b. c. 9. Notarized copy of Se lement Deed, or Notarized copy of Deed of Par on, or

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. 8. TRANSMISSION: The documents required for transmission under various situa ons areas under: 1 Transmission to surviving unit holders/ registered nominee/claimant where nominee is not registered in case of death of one/sole or more unitholders: 1.1. Le er from surviving unitholders/claimant to the Fund / AMC/ RTA reques ng for transmission of units, 1.2. Death Cer cate in original or photocopy duly notarized or a ested by gaze e ocer or a bank manager, 1.3. Bank Account details of the new rst unit holder as per Annexure 1 (can be downloaded from AMC website) along with a esta on by a bank branch manager or cancelled cheque bearing the account details and account holders name. 1.4. KYC of the surviving unit holders (if not already submitted)/ claimant/s. 1.5. If the transmission amount is Rs one Lakh or more, in case of registered nominee, Indemnity duly signed and executed by the nominee/s - Annexure II (can be downloaded from AMC website). 1.6. In case of claimant where nominee is not registered, the following documents are to be submi ed in addi on to the above. a. b. c. Indemnity Bond from legal heir/s - Annexure III (can bedownloaded from AMC website). Individual adavits from legal heir/s - Annexure IV(canbe downloaded from AMC website). If the transmission amount is below Rs one Lakh: anyappropriate document evidencing rela onship of theclaimant/s with the deceased unitholder/s. If the transmission amount is Rs one lakh or more: Anyone of the documents men oned below: I. II. Notarised copy of Probated Will, or Legal Heir Certificate or Succession Certificate or Claimants Cer cate issued by a competent court, or 4. 3. 2. b)

Notarized copy of Decree of the relevant competent Court.

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

TERMS & CONDITIONS FOR SIP / SWP / STP SYSTEMATIC INVESTMENT PLAN (SIP): The Scheme oers SIP facility subject to following terms and condi ons: 1. SIP is oered on Monthly and Quarterly frequency. Unitholders can opt to invest on monthly or quarterly frequency on the following dates - 5th, 15th, and 25th of each month/rst month of the quarter. For e.g. an investor op ng for quarterly SIP commencing February ina calendar year will have the following cycle for SIP installments February, May, August and November. In case the day specied is anon Business Day, the transac on will be eected on the next Business Day. IDBI Mutual Fund is oering 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. If investor is having an account in other than the above men oned banks then this facility is oered to the Investors in select ci es men oned below. The ci es in the list may be modied/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. 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. SIP Payment through Electronic Clearing Service (Debit Clearing) of the Reserve Bank of India (RBI) ECS Centres : Agra, Ahmedabad, Allahabad, Amritsar, Aurangabad, Asansol, Anand, Bengaluru, Belgaum, Bhilwara, Bhopal, Bhubaneswar, Bikaner, Burdwan, Bhavnagar, Kozhikode, Chandigarh, Chennai, Coimbatore, Cuttack, 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,

d.

III. Letter of Administration, in case of In testate Succession. 2. Transmission in case of HUF, due to death of Karta: HUF, being HinduUndivided Family, the property of the family is managed by the Kartaand HUF does not come to an end in the event of death of the Karta.In such a case, the members of the HUF will appoint the new Kartawho needs to submit following documents for transmission:

10

Thiruvananthapuram, Tirunalveli, Udaipur, Udupi, Vadodara, Varanasi, Vijayawada, Vishakapatnam 5. Completed Applica on Form, SIP Form and the 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 insuciency of me given by the investor, the AMC/Registrar will automa cally process the 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 2011 for eec ng 1st SIP from 1st February, 2011, AMC/ Registrar may process the same from.1st of March, 2011. In such a case, the ending period will be extended automa cally by another month. 6. In case the frequency is not specied 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 specied or in case of ambiguity, the SIP transac on will be processed as of 15th of every month /rst month of the every quarter. In case the end date is not specied, the fund would con nue the SIP ll it receives termina on no ce from the investor. Minimum number of installments i. For monthly frequency - For monthly frequency - 12 installments (including rst installment), where the amount of each SIP installment is Rs. 500 per month or more or 6 installments (including rst installment), where the amount of each SIP installment is atleast Rs. 1,000 per month For quarterly frequency - 4 installments with minimum investment being Rs. 1500 per quarter or more (including rst installment).

The photo iden 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 specic 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. 10. First installment cheque will be accepted and processed at applicable NAV based on me stamping. The second installment will be processed latest for the available SIP date (currently all business days for 5th, 15th, or 25th of each month/ rst month of each quarter) indicated by the investor, but only a er the expiry of 30 (thirty) Days from the date of rst installment. 11. First Installment Cheque (if any) should be drawn in the name of the Scheme and crossed A/c Payee e.g. IDBI Gold Fund A/C XXXXXXXX (1st Unitholder PAN). Investors from the state of Sikkim and Micro SIP investors can also draw the rst installment cheque in the name of the Scheme and crossed A/c Payee e.g. IDBI Gold Fund A/C XXXXXXXX (Name of the 1st Holder). Investor should men on SIP Enrollment Form number or folio number on the reverse of cheque accompanying SIP enrollment form. 12. Investor has a right to discon nue the SIP facility at any me by sending wri en request to any Ocial Point of Acceptance, at least 21 calendar days prior to the next cheque date/ECS debit/Direct debit. On receipt of such request, the SIP enrollment will be terminated. 13. In case 1st SIP installment cheque submitted by the investor for SIP installment or any payment instruc on for SIP installment is dishonored by the Bankers for the reason that account of investor is closed, the AMC would discon nue the SIP immediately and reserves the right to redeem the outstanding units at applicable NAV related prices if total investment is below Rs. 5,000/- or 500 units. 14. The AMC reserves the right to discon nue the SIP enrolment in case cheque/ payment instruc on submi ed by Investor is not honored by Banker on 3 (three) consecu ve occasions for either insuciency of funds or as a result of stop payment instruc ons issued by the Investor and reserves the right to redeem the outstanding units at applicable NAV related prices if total investment is below Rs. 5,000/- or 500 units. 15. The facility will be automa cally terminated upon receipt of in ma on of death of the Unitholder. The AMC reserves right to change the frequency, date(s) or other terms and condi ons of SIP. SYSTEMATIC TRANSFER PLAN (STP): This facility allows Unitholders to transfer specied 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 eect 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. The Scheme oers STP facility subject to following terms & condi ons: 1. STP facility is oered 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 specied is a non Business Day, the transac on will be eected on next Business Day.

7.

ii.

Investments above the minimum amount men oned shall be made in mul ples of Re.1 8. Investor can avail SIP facility by submission of SIP form to enroll for SIP facility along with current dated local cheque for rst SIP installment (no post dated cheque will be accepted). First SIP installment cheque is not mandatory. 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 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 CVL. This exemp on will be applicable ONLY to investments by individuals (including NRIs but not PIOs), Minors and Sole proprietary rms. HUFs and other categories will not be eligible for Micro SIPs. The exemp on is applicable to joint holders also. In case of 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. However redemp ons will be allowed based on the submission of normal prescribed Redemp on Transac on Slip. 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, 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. 1. Voter Iden ty Card 2. Driving License 3. Government / Defense iden ca on card 4. Passport 5. Photo Ra on Card 6. Photo Debit Card (Credit card not included because it may not be backed up by a bank account). 7. Employee ID cards issued by companies registered with Registrar of Companies 8. Photo Iden ca on issued by Bank Managers of Scheduled Commercial Banks/ Gaze ed Ocer / Elected Representa ves to the Legisla ve Assembly / Parliament. 9. ID card issued to employees of Scheduled Commercial / State / District Coopera ve Banks. 10. Senior Ci zen / Freedom Fighter ID card issued by Government. 11. Cards issued by Universi es / deemed Universi es or ins tutes under statutes like ICAI, ICWA, ICSI. 12. Permanent Re rement Account No (PRAN) card issued to New Pension System (NPS) subscribers by CRA (NSDL). 13. Any other photo ID card issued by Central Government / State Governments / Municipal authori es / Government organiza ons like ESIC / EPFO 14. The Unique Iden ca on Document or Aadhaar.

9.

11

2.

In case the frequency is not specied, it will be considered as applica on for monthly frequency and will be processed accordingly. In case the STP date is not specied or in case of ambiguity, the STP transac on will be processed on 15th of month / quarter. In case the end date is not specied, the Fund would con nue the STP ll it receives termina on no ce from the Unitholder. Minimum balance in the source (transferor) scheme should be Rs. 25,000 at the me of enrollment for STP. Minimum amount for each transfer for daily STP is Rs. 200, weekly STP is Rs. 1000, monthly STP is Rs. 2000 and Rs. 2500 for quarterly frequency. The minimum term / dura on should be 30 for daily frequency, 12 for weekly frequency, 6 for monthly frequency and 4 for quarterly frequency. The transac on through STP will be subject to applicable exit load in the transferor scheme. In case the Unitholder purchases addi onal units in the transferor scheme, the STP facility would be extended to such addi onal units also. Units marked under lien or pledge in the source scheme will not be eligible for STP. The Unitholder who has opted for STP under a specic scheme can also redeem or switch his units to any other eligible scheme provided he has sucient balance in his account on the date of such a request.

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. SYSTEMATIC WITHDRAWAL PLAN (SWP): This facility allows Unitholders to withdraw a xed rupee amount (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 oers 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 eected on the next Business Day. Minimum balance in the Scheme should be Rs. 25,000 at the me of enrollment for SWP. 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 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. 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. The redemp on under SWP will be subject to applicable Exit Load. The applica on for start of SWP should be submi ed to Ocial 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 specied) / frequency by giving wri en no ce to any of the Ocial Point(s) of Acceptance at least 7 days prior to next SWP execu on date. Unitholder can discon nue SWP facility at any me by sending a wri en no ce to any of the Ocial Point(s) of Acceptance, at least 7 days prior to next SWP execu on date. If the balance under scheme falls below Rs. 5000, then the AMC reserve the right to redeem the balance units. 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.

3. 4. 5. 6. 7. 8. 9.

b. c. d. e. f. g.

10. In case the unit balance in the transferor scheme is lesser than amount specied 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 Ocial 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 specied) / frequency by giving wri en no ce to any of the Ocial 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 Ocial 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 oering STP, as and when made available for subscrip on or delete Schemes from the list of Schemes oering STP. Please contact the nearest Investor Service Centre (ISC) of IDBI Mutual Fund for more informa on on STP.

h.

i. J.

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.

CHECKLIST (Please submit the following documents with your applica on (where applicable). All documents should be original/true copies cer ed by a Director/Trustee /Company Secretary /Authorized signatory / Notary Public/AMC or R&T Ocials.) Documents 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 cate and SEBI registra on cer cate Notarised POA Proof of Address PIO Card Foreign Inward Remi ance Cer cate Individual (RI) Companies Socie es Partnership Firms Investment through POA Trusts NRI FIIs PIO

12

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

APPLICATION FORM FOR IDBI GOLD FUND

Applica on No.

ARN Code & Name

Sub Distributor /Branch Code

Bank Serial No. / Bank Stamp / Receipt Date

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 investors 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. 1. Payment Details EXISTING UNIT HOLDER INFORMATION [Please ll in your Folio Number and proceed to Investment Details] Folio No. 2. Applicants Personal Details Name of First / Sole Applicant / Minor* Date Of Birth (Mandatory in case of Minor & 1st Applicant) PAN (A ach Proof) Name of Second Applicant PAN (A ach Proof) Name of Third Applicant PAN (A ach Proof) 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 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 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 M A N D A T O R Y D D / M M / Y Yes Y Y Y No The details in our records under the folio number men oned will apply for this applica on.

KYC Compliance Status (if yes, a ach proof. If No, a ach KYC Applica on form)

Mother Father Legal Guardian Rela onship with Minor Please ( ) # (In case rst applicant is a minor)/contact person name (in case of non-individual) * If the rst/sole applicant is a Minor, then please provide details of Natural / Legal Guardian. KYC Is mandatory for all investors except investors residing in the state of Sikkim and Micro SIP applicants Mode of Holding (Please ) Anyone or Survivor Single Joint (Default op on is Anyone or Survivor) Occupa on (Please ) Status (Please ) Business Resident Individual Minor Service NRI / PIO Professional Trust Re red HUF Flls Student Bank / Fls Partnership Firm Housewife Others Please specify Others Please specify __________________

Sole Proprietorship AOP / BOI Society

Company/Body Corporate

3. Mailing Address [Please provide Full Address. P. O. Box No. may not be sucient. Overseas Investors will have to provide Indian Address] Local Address of 1st Applicant -

City Tel. O. E - Mail

State Resi. Mobile

Pin Code

Overseas Correspondence Address (Mandatory for NRI / Fll Applicant) City Country Pin Code

4. Communica on (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 Account No. 9 digit MICR Code 11 digit IFSC Code State A/C. Type (Please ) Savings Pin Code NRE Current NRO FCNR

(Mandatory for credit via NEFT/RTGS)

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

ACKNOWLEDGEMENT SLIP (TO BE FILLED IN BY THE SOLE/FIRST APPLICANT) Applica on No. Mafatlal Centre, 5th Floor, Nariman Point, Mumbai - 400 021 Website : www.idbimutual.co.in Received from Mr. / Ms. /M/s. _________________________________________________________________________________________________ an applica on for purchase of units of IDBI GOLD FUND for Rs. _____________________ on date
D D / M M / Y Y Y Y

Date ______ / ______ / _________ Stamp, Signature & Date

6.

Units In Demat Mode

(Please

NSDL

CDSL Beneciary Account No./Client ID

DP ID DP Name

Note: 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 A orney (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 Iden ca on Number (IPIN) (Please ) I / We being unit holder(s) of IDBI Mutual Fund scheme(s) do hereby apply for the facility for eec 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 (Payment Through Cash/Outsta on Cheques Not Accepted) Name of Scheme :

IDBI Gold Fund

DD Charges if any (Rs.) __________________________ Net Amount (in words) _________________________ ____________________________________________ Mode of Payment (Please Cheque Funds Transfer ) DD RTGS/NEFT

Investment Amount (Rs.) ____________________ Drawn on Bank Branch & City Chq. / DD No. *A/c Type S/B NRE*

Account No. Date Current NRO FCNR* D D M M Y Y Y Y IFSC Code

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

Cheque / D.D. to be crossed Account Payee only and should be drawn payable to: - IDBI Gold Fund A/C XXXXXXX (Investor PAN) 10. Nomina on 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. 1 2 No. 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 Name of the Guardian (In case, Nominee is Minor) Nominee(s) Name % of Share* Date of Birth (in case of Minor) D D D D M M M M Y Y Y Y Y Y Y Y Nominee(s) Signature Nominee(s) Signature

11. Declara on 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 conrm and cer fy that the source of these funds is not directly / indirectly a result of proceeds of crime as dened 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 Funds and investors bankers for the purpose of eec ng payments to me / us. Applicable to NRIs only : I/We conrm that I am/we are Non-Resident of Indian Na onality/Origin and I/we hereby conrm 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 dierent 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 Gold Fund Cheque / DD No. : _______________ Date : _________________ Amount Rs.: _________________ Bank and Branch: _____________________________________________________ REGISTRAR & TRANSFER AGENTS Computer Age Management Services Private Limited (CAMS) SEBI Registra on Number: INR000002813, 148, Old Mahabalipuram Road, Okkiyam, Thuraipakkam, Chennai 600 096, Tamil Nadu Tel: 044-30407000 Fax: 044-24581750

Applica on Form For Systema c Investment Plan (SIP) / Systema c Transfer Plan (STP) / Systema c Withdrawal Plan (SWP)
Mafatlal Centre, 5th Floor, Nariman Point, Mumbai - 400 021 Website: www.idbimutual.co.in Form No.

IDBI GOLD FUND

Sub Distributor /Branch Code Bank Serial No. / Bank Stamp / Receipt Date

ARN Code & Name

Please

any one only

SIP

Micro SIP

Change in Bank Mandate

STP

SWP

SIP Cancella on

1. Investor and Investment details Sole / First Investor Name PAN No. Folio No. (For Exis ng Investor)

Scheme Name : IDBI GOLD FUND

2. Systema c Investment Plan (SIP) details Each SIP Amount (Rs.) SIP Frequency Date: SIP Period : From 5th / M M 15th / Y Y Frequency: 25th of the month (1st month of the quarter) Y Y To M M Y Y Y Y or No. of installments __________________ or Till further no ce Monthly / Quarterly

(Direct Debit /ECS instruc ons will take minimum 30 days for registra on with the Bank and hence the 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) (Note: Please allow minimum one month for auto debit to register and start). 3. Systema c Transfer Plan (STP) I/We would like to switch: To Scheme ___________________________________________ Plan ___________________________ Op on ____________________________________ Each STP Amount (Rs.) Date: 5th / 15th / 25th of the month / quarter D D M M Y Y Y Y End D D M M Y Y Y Y or No. of installments _______________ Frequency: Daily Weekly (1st business day of the week) Monthly Quarterly

STP Period : Enrolment Start

4. Systema c Withdrawal Plan (SWP) Each SWP Amount Rs. SWP Period : Enrolment Start Month 5. Par culars of bank account Accountholder Name as in Bank Account Bank Name City Account Type Account Number 9 Digit MICR Code (Please enter the 9 digit number that appears a er your cheque number) Savings Current NRE FCNR Branch PIN code M M Y Y Y Y Scheme Name/Op on __________________________________________________________________ End Month M M Y Y Y Y or No. of installments ___________________

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 eected 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 RBIs 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 veried and executed.

_______________________________________ First Account Holders Signature

_______________________________________ Second Account Holders Signature

_______________________________________ Third Account Holders Signature

For oce use only (not to be lled in by investor) Recorded on Recorded by Bank use Mandate Ref. No. Bank Account Number Scheme Code Credit Account Number Customer Ref. No.

Thi

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I
"Please note that the KYC Application Form and overleaf instructions should be printed on the same page (back to back). If printed separately then both the pages should be attached and signed by the applicant."

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

Please fill in ENGLISH and in BLOCK LETTERS with black ink A. Identity Details (please see guidelines overleaf) 1. N ame o f A pplicant (As a ppearing i n s upporting i dentification d ocument). Name

Application No. :

PHOTOGRAPH

Fathers/Spouse Name 2. G ender 3. N ationality Male Indian F emale B. M arital s tatus Single M arried C. Date of Birth d
d

Please affix the recent passport size photograph and sign across it

Other (Please s pecify) Non Resident Foreign National (Passport Copy Mandatory for NRIs & Foreign Nationals)

4. Status Please tick ( ) Resident Individual 5. PAN

Please enclose a duly attested copy of your PAN Card

Unique Identification Number (UID)/Aadhaar, if any: 6. Proof of Identity submitted for PAN exempt cases Please Tick ( ) UID (Aadhaar) Passport Voter ID Driving Licence Others B. Address Details (please see guidelines overleaf) 1. Address for Correspondence (Please see guideline D overleaf

City / Town / Village State 2. Contact Details (STD) Tel. (Off.) (ISD) (ISD) (STD) Mobile
E-Mail Id.

Pin Code Country Tel. (Res.) (ISD) Fax (ISD) (STD) (STD)

3. Proof of address to be provided by Applicant. Please submit ANY ONE of the following valid documents & tick ( the document attached. ) against Passport Ration Card Registered Lease/Sale Agreement of Residence Driving License Voter Identity Card *Latest Bank A/c Statement/Passbook *Latest T elephone Bill (only Land Line) *Latest Electricity Bill *Latest Gas Bill Others (Please specify)
*Not more than 3 Months old. Validity/Expiry date of proof of address submitted
d d

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

City / Town / Village State

Pin Code Country

5. Proof of address to be provided by Applicant. Please submit ANY ONE of the following valid documents & tick ( the document attached. ) against Passport Ration Card Registered Lease/Sale Agreement of Residence Driving License Voter Identity Card *Latest Bank A/c Statement/Passbook *Latest T elephone Bill (only Land Line) *Latest Electricity Bill *Latest Gas Bill Others (Please specify)
*Not more than 3 Months old. Validity/Expiry date of proof of address submitted
d d

C. Other Details (please see guidelines overleaf) 1. Gross Annual Income Details ( Please tick ( 1 Lac ): Below Net-worth in `. (*Net worth should not be older than 1 year) 1-5 Lac OR 5-10 Lac
d

10-25 Lac

> 25 Lacs
y y y y

as on (date) d

2. Occupation (Please tick ( and give brief details): ) any one Private Sector Service Public Sector Government Service Business Housewife Student Forex Dealer Others (Please specify) 3. Please tick, if applicable: Politically Exposed Person For definition of PEP, please refer guideline overleaf 4. Any other information:

Professional

Agriculturist

Retired

Related to a Politically Exposed Person

DECLARATION
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.
Place: Date:

SIGNATURE OF APPLICANT

FOR OFFICE USE ONLY

AMC/Intermediary name OR code (Originals Verified) Self Certified Document copies received (Attested) True copies of documents received Main Intermediary Seal/Stamp of the intermediary should contain Staff Name Designation Name of the Organization Signature Date

IPV Done

on

m m

Seal/Stamp of the intermediary should contain Staff Name Designation Name of the Organization Signature Date

INSTRUCTIONS / CHECK LIST FOR FILLING KYC FORM

A. IMPORTANT POINTS: 1. Self attested copy of PAN card is mandatory for all clients. 2. Copies of all the documents submitted by the applicant should be self-attested and accompanied by originals for verification. In case the original of any document is not produced for verification, then the copies should be properly attested by entities authorized for attesting the documents, as per the below mentioned list. 3. If any proof of identity or address is in a foreign language, then translation into English is required. 4. Name & address of the applicant mentioned on the KYC form, should match with the documentary proof submitted. 5. If correspondence & permanent address are different, then proofs for both have to be submitted. 6. Sole proprietor must make the application in his individual name & capacity. 7. For non-residents and foreign nationals,(allowed to trade subject to RBI and FEMA guidelines), copy of passport/PIOCard/OCICard and overseas address proof is mandatory. 8. For foreign entities, CIN is optional; and in the absence of DIN no. for the directors, their passport copy should be given. 9. In case of Merchant Navy NRIs, Mariners declaration or certified copy of CDC (Continuous Discharge Certificate) is to be submitted. 10. For opening an account with Depository participant or Mutual Fund, for a minor, photocopy of the School Leaving Certificate/Mark sheet issued by Higher Secondary Board/Passport of Minor/Birth Certificate must be provided. 11. Politically Exposed Persons (PEP) are defined as individuals who are or have been entrusted with prominent public functions in a foreign country, e.g., Heads of States or of Governments, senior politicians, senior Government/judicial/military officers, senior executives of state owned corporations, important political party officials, etc. B. Proof of Identity( POI): List of documents admissible as Proof of Identity: 1. PAN card with photograph. This is a mandatory requirement for all applicants except those who are specifically exempt from obtaining PAN (listed in Section D). 2. Unique Identification Number (UID) (Aadhaar) / Passport / Voter ID card / Driving license. 3. Identity card/ document with applicants Photo, issued by any of the following: Central/State Government and its Departments, Statutory/Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks, Public Financial Institutions, Colleges affiliated to Universities, Professional Bodies such as ICAI, ICWAI, ICSI, Bar Council etc., to their Members; and Credit cards/Debit cards issued by Banks. C. Proof of Address (POA): List of documents admissible as Proof of Address: (*Documents having an expiry date should be valid on the date of submission.) 1. Passport/Voters Identity Card/Ration Card/Registered Lease or Sale Agreement of Residence/Driving bill/Insurance Copy. License/Flat Maintenance

2. Utility bills like Telephone Bill (only land line), Electricity bill or Gas bill Not more than 3 months old. 3. Bank Account Statement/Passbook - Not more than 3 months old. 4. Self-declaration by High Court and Supreme Court judges, giving the new address in respect of their own accounts. 5. Proof of address issued by any of the following: Bank Managers of Scheduled Commercial Banks/Scheduled Co-Operative Bank/Multinationa Foreign Banks/Gazetted Officer/Notary public/Elected representatives to the Legislative Assembly/Parliament/Documents issued by any Govt. or Statutory Authority. 6. Identity card/document with address, issued by any of the following: Central/State Government and its Departments, Statutory/Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks, Public Financial Institutions, Colleges affiliated to Universities and Professional Bodies such as ICAI, ICWAI, ICSI, Bar Council etc.,to their Members. 7. For FII/sub account, Power of Attorney given by FII/sub-account to the Custodians (which are duly notarized and/or apostiled or consularised) that gives the registered address should be taken. 8. The proof of address in the name of the spouse may be accepted.

D. Exemptions/clarifications to PAN (*Sufficient documentary evidence in support of such claims to be collected.) 1. In case of transactions undertaken on behalf of Central Government and/or State Government and by officials appointed by Courts e.g. Official liquidator, Court receiver etc. 2. Investors residing in the state of Sikkim. 3. UN entities/multilateral agencies exempt from paying taxes/filing tax returns in India. 4. SIP of Mutual Funds upto Rs 50,000/- p.a. 5. In case of institutional clients, namely, FIIs, Mfs, VCFs, FVCIs, Scheduled Commercial Banks, Multilateral and Bilateral Development Financial Institutions, State Industrial Development Corporations, Insurance Companies registered with IRDA and Public Financial Institution as defined under section 4A of the Companies Act, 1956, Custodians shall verify the PAN card details with the original PAN card and provide duly certified copies of such verified PAN details to the intermediary. E. List of people authorized to attest the documents: 1. Notary Public, Gazetted Officer, Manager of a Scheduled Commercial/Co-operative Bank or Multinational Foreign Banks (Name, Designation & Seal should be affixed on the copy). 2. In case of NRIs, authorized officials of overseas branches of Scheduled Commercial Banks registered in India, Notary Public, Court Magistrate, Judge, Indian Embassy/Consulate General in the country where the client resides are permitted to attest the documents.
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, O CG Road, Ahmedabad - 380 006. Bengaluru : IDBI Mutual Fund, IDBI House, 1st Floor, IDBI Mutual Fund No. 58, Mission Road, Bengaluru - 560 027. Chandigarh : IDBI Mutual Fund, IDBI Bank Ltd., 3rd Floor, SCO 72/73, Bank Square, Sector - 17B, Chandigarh - 160 016. Chennai : IDBI Mutual Fund, No. 6/11 Pa ery Square, 1st Floor, Balfour Road, Kellys, Kilpauk, Chennai - 600 010. 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 - 500 001. Indore : IDBI Mutual Fund, IDBI Bank Ltd., Ground Floor, Alankar Chambers, Ratlam Kothi, Indore - 452 001. Kochi : IDBI Mutual Fund, IDBI Bank, Corporate Oce, Near Passport Oce, Panampally Nagar, Kochi - 680 366. Kolka a : IDBI Mutual Fund, IDBI House, 6th oor, 44, Shakespeare Sarani, Kolkata - 700 017. Lucknow : IDBI Mutual Fund, IDBI Bank, 2 M G Marg, Kisan Sekhari Bhawan, Hazratganj, Lucknow - 226 001. Mumbai : IDBI Mutual Fund, Mafatlal Center, 5th Floor, Nariman Point, Mumbai - 400021. Pune : IDBI Mutual Fund, IDBI House, 4th Floor, Dnayaneshwar, Paduka Chowk, S C Road, Shivaji Nagar, Pune - 411 004.

CAMS INVESTOR SERVICE CENTRES

Ahmedabad : 402-406, 4th Floor Devpath Building O C G Road Behind Lal Bungalow Ellis Bridge Ahmedabad Gujarat 380 006. Bangalore : Trade Centre, 1st Floor 45, Dikensen Road (Next to Manipal Centre) Bangalore Karnataka 560 042. Bhubaneswar : Plot No 111, Varaha Complex Building 3rd Floor, Sta on Square Kharvel Nagar, Unit 3 Bhubaneswar Orissa 751 001. Chandigarh : Deepak Tower SCO 154-155,1st Floor Sector 17-C Chandigarh Punjab 160 017. Chennai : Ground Floor No.178/10, Kodambakkam High Road Opp. Hotel Palmgrove Nungambakkam Chennai Tamil Nadu 600 034. Cochin: I oops Imperial Trade Center Door No. 64/5871 D, 3rd Floor M. G. Road (North) Cochin Kerala 682 035. Coimbatore: Old # 66 New # 86, Lokamanya Street (West) Ground Floor R.S.Puram Coimbatore Tamil Nadu 641 002. Durgapur: City Plaza Building 3rd oor City Centre Durgapur West Bengal 713 216. Goa : No.108, 1st Floor, Gurudu a Bldg Above Weekender M G Road Panaji (Goa) Goa 403 001. Hyderabad : 208, II Floor Jade Arcade Paradise Circle Secunderabad Andhra Pradesh 500 003. Indore : 101, Shalimar Corporate Centre 8-B, South tukogunj, Opp.Greenpark Indore Madhya Pradesh 452 001. Jaipur: R-7, Yudhisthir Marg ,C-Scheme Behind Ashok Nagar Police Sta on Jaipur Rajasthan 302 001. Kanpur: I Floor 106 to 108 CITY CENTRE Phase II 63/ 2, THE MALL Kanpur U arpradesh 208 001. Kolkata: Saket Building, 44 Park Street, 2nd Floor Kolkata West Bengal 700016. Lucknow : O # 4,1st Floor,Centre Court Building, 3/c, 5 Park Road, Hazratganj Lucknow U arpradesh 226 001. Ludhiana: U/ GF, Prince Market, Green Field Near Trac Lights, Sarabha Nagar Pulli Pakhowal Road, Ludhiana Punjab 141 002. Madurai: 86/71A, Tamilsangam Road Madurai Tamil Nadu 625 001. Mangalore : No. G 4 & G 5, Inland Monarch Opp. Karnataka Bank Kadri Main Road, Kadri Mangalore Karnataka 575 003. Mumbai: Rajabahdur Compound, Ground Floor Opp Allahabad Bank, Behind ICICI Bank 30, Mumbai Samachar Marg, Fort Mumbai Maharashtra 400 023. Nagpur: 145 Lendra New Ramdaspeth Nagpur Maharashtra 440 010. New Delhi : 304-305 III Floor Kanchenjunga Building 18, Barakhamba Road Cannaugt Place New Delhi 110 001. Patna: G-3, Ground Floor Om Vihar Complex SP Verma Road Patna Bihar 800 001. Pune: Nirmi Eminence, O No. 6, I Floor Opp Abhishek Hotel Mehandale Garage Road Erandawane Pune Maharashtra 411 004. Surat: Plot No.629,2nd Floor, Oce No.2-C/2-D Mansukhlal Tower, Beside Seventh Day Hospital Opp.Dhiraj Sons, Athwalines Surat Gujarat 395 001. Vadodara: 103 Aries Complex BPC Road, O R.C. Du Road Alkapuri Vadodara Gujarat 390 007. Vijayawada: 40-1-68, Rao & Ratnam Complex Near Chennupa Petrol Pump M.G Road, Labbipet Vijayawada Andhra Pradesh 520 010. Visakhapatnam: 47/ 9 / 17, 1st Floor 3rd Lane , Dwaraka Nagar Visakhapatnam Andhra Pradesh 530 016. Agra: No. 8, II Floor Maru Tower Sanjay Place Agra U arpradesh 282002. Ajmer: AMC No. 423/30 Near Church Brahampuri,Opp T B Hospital Jaipur Road Ajmer Rajasthan 305001. Allahabad: 30/2, A&B, Civil Lines Sta on Besides Vishal Mega Mart Strachey Road Allahabad U arpradesh 211001. Alwar: 256A, Scheme No:1, Arya Nagar Alwar Rajasthan 301001. Amarava : 81, Gulsham Tower, 2nd Floor Near Panchsheel Talkies Amarava Maharashtra 444601. Amritsar: SCO 18J, C BLOCK RANJIT AVENUE Amritsar Punjab 140001. Anand: 101, A.P. Tower, B/H, Sardhar Gunj Next to Nathwani Chambers Anand Gujarat 388001. Asansol: Block G 1st Floor P C Cha erjee Market Complex Rambandhu Talab P O Ushagram Asansol West Bengal 713303. Aurangabad : Oce No. 1, 1st Floor Amodi Complex Juna Bazar Aurangabad Maharashtra 431001. Belgaum :1st Floor, 221/2A/1B Vaccine Depot Road Near 2nd Railway gate, Tilakwadi, Belgaum Karnataka 590006. Berhampur: First Floor, Upstairs of Aaroon Printers Gandhi Nagar Main Road Orissa Berhampur Orissa 760001. Bhavnagar: 305-306, Sterling Point Waghawadi Road OPP. HDFC BANK Bhavnagar Gujarat 364002. Bhilai: 209 , Khichariya Complex Opp IDBI Bank Nehru Nagar Square Bhilai Chha sgarh 490020. Bhilwara: Indraparstha tower Second oor Shyam ki sabji mandi Near Mukharji garden Bhilwara Rajasthan 311001. Bhopal: Plot no 10, 2nd Floor Alankar Complex Near ICICI Bank MP Nagar, Zone II Bhopal Madhya Pradesh 462011. Bokaro: Mazzanine Floor F-4, City Centre, Sector 4, Bokaro Steel City Bokaro Jharkhand 827004. Burdwan: 399, G T Road Basement of Talk of the Town Burdwan West Bengal 713101. Calicut: 29/97G 2nd Floor Gulf Air Building Mavoor Road Arayidathupalam, Calicut Kerala 673016. Cu ack: Near Indian Overseas Bank Cantonment Road Mata Math Cu ack Orissa 753001. Davenegere: 13, Ist Floor, Akkamahadevi Samaj Complex Church Road P.J.Extension Devengere Karnataka 577002. Dehradun: 204/121 Nari Shilp Mandir Marg Old Connaught Place Dehradun U aranchal 248001. Dhanbad: Urmila Towers Room No: 111(1st Floor) Bank More Dhanbad Jharkhand 826001. Erode: 197, Seshaiyer Complex Agraharam Street Erode Tamil Nadu 638001. Faridhabad: B-49, Ist Floor Nehru Ground Behind Anupam Sweet House NIT Faridhabad Haryana 121001. Ghaziabad: 113/6 I Floor Navyug Market Gazhiabad U arpradesh 201001. Gorakhpur: Shop No. 3, Second Floor, The Mall Cross Road, A.D. Chowk Bank Road Gorakhpur U arpradesh 273001. Guntur: Door No 5-38-44 5/1 BRODIPET Near Ravi Sankar Hotel Guntur Andhra Pradesh 522002. Gurgaon: SCO 16, Sector 14, First oor Gurgaon Haryana 122001. Guwaha : A.K. Azad Road, Rehabari Guwaha Assam 781008. Gwalior: G-6 Global Apartment Kailash Vihar Colony Opp. Income Tax Oce,City Centre Gwalior Madhya Pradesh 474002. Hubli: No.204 205, 1st Floor B Block, Kundagol Complex Opp. Court, Club Road Hubli Karnataka 580029. Jabalpur: 8, Ground Floor, Da Towers Behind Commercial Automobiles Napier Town Jabalpur Madhya Pradesh 482001. Jalandhar: 367/8, Central Town Opp. Gurudwara Diwan Asthan Jalandhar Punjab 144001. Jalgaon: Rustomji Infotech Services 70, Navipeth Opp. Old Bus Stand Jalgaon Maharashtra 425001. Jamnagar: 217/218, Manek Centre P.N. Marg Jamnagar Gujarat 361008. Jamshedpur: Millennium Tower, R Road Room No:15 First Floor, Bistupur Jamshedpur Jharkhand 831001. Jodhpur: 1/5, Nirmal Tower Ist Chopasani Road Jodhpur Rajasthan 342003. Kolhapur: 2 B, 3rd Floor, Ayodhya Towers Sta on Road, Kolhapur Maharashtra 416001. Kota: B-33 Kalyan Bhawan Triangle Part ,Vallabh Nagar Kota Rajasthan 324007. Ko ayam: KMC IX / 1331 A Opp.: Malayala Manorama Railway Sta on Road Thekkummoo l Ko ayam Kerala 686001. Meerut: 108 Ist Floor Shivam Plaza Opposite Eves Cinema, Hapur Road Meerut U arpradesh 250002. Moradabad: B-612 Sudhakar Lajpat Nagar Moradabad U arpradesh 244001. Muzzafarpur: Brahman toli, Durgasthan Gola Road Muzaarpur Bihar 842001. Mysore: No.1, 1st Floor CH.26 7th Main, 5th Cross (Above Trishakthi Medicals) Saraswa Puram Mysore Karnataka 570009. Nasik: Ruturang Bungalow, 2 Godavari Colony Behind Big Bazar, Near Boys Town School O College Road Nasik Maharashtra 422005. Nellore: 97/56, I Floor Immadise y Towers Ranganayakulapet Road, Santhapet, Nellore Andhra Pradesh 524001. Panipat: 83, Devi Lal Shopping Complex Opp ABN Amro Bank, G.T.Road Panipat Haryana 132103. Pa ala: 35, New lal Bagh Colony Pa ala Punjab 147001. Pondicherry: S-8, 100, Jawaharlal Nehru Street (New Complex, Opp. Indian Coee House) Pondicherry Pondicherry 605001. Raipur: HIG,C-23 Sector 1 Devendra Nagar Raipur Chha sgarh 492004. Rajahmundry: Cabin 101 D.no 7-27-4 1st Floor Krishna Complex Baruvari Street T Nagar Rajahmundry Andhra Pradesh 533101. Rajkot: Oce 207 210, Everest Building Harihar Chowk Opp Shastri Maidan Limda Chowk Rajkot Gujarat 360001. Ranchi: 4, HB Road No: 206, 2nd Floor Shri Lok Complex H B Road Near Firayalal Ranchi Jharkhand 834001. Rourkela: 1st Floor Mangal Bhawan Phase II Power House Road Rourkela Orissa 769001. Salem: No.2, I Floor Vivekananda Street, New Fairlands Salem Tamil Nadu 636016. Sambalpur: C/o Raj Tibrewal & Associates Opp.Town High School,Sansarak Sambalpur Orissa 768001. Siliguri: No 7, Swamiji Sarani, Ground Floor Ground Floor,Hakimpara Siliguri West Bengal 734001. Thiruppur: 1(1), Binny Compound, II Street, Kumaran Road Thiruppur Tamil Nadu 641601. Tirunelveli: 1 Floor, Mano Prema Complex 182 / 6, S.N High Road Tirunelveli Tamil Nadu 627001. Trichur: Room No. 26 & 27 DEE PEE PLAZA Kokkalai Trichur Kerala 680001. Trichy: No 8, I Floor, 8th Cross West Extn Thillainagar Trichy Tamil Nadu 620018. Trivandrum: R S Complex Opposite of LIC Building Pa om PO Trivandrum Kerala 695004. Udaipur: 32 Ahinsapuri Fatehpura Circle Udaipur Rajasthan 313004. Valsad: 3rd oor Gita Nivas, opp Head Post Oce Halar Cross Lane Valsad Gujarat 396001. Varanasi: C-28/142-2A Near Teliya

19

Bagh Crossing Teliya Bagh Varanasi U arpradesh 221002. Vellore: No:54, Ist Floor Pillaiyar Koil Street Tho a Palayam Vellore Tamil Nadu 632004. Warangal: F13, 1st Floor BVSS Mayuri Complex Opp. Public Garden, Lashkar Bazaar Hanamkonda Warangal Andhra Pradesh 506001. Balasore: B C Sen Road Balasore Orissa 756001. Jammu: JRDS Heights Lane Opp. S&S Computers Near RBI Building, Sector 14, Nanak Nagar Jammu J &K 180004. Bellary: 60/5, Mullangi Compound Gandhinagar Main Road ( Old Gopalswamy Road) Bellary Karnataka 583101. Navsari: Dinesh Vasani & Associates 103 Harekrishna Complex, above IDBI Bank, Nr. Vasant Talkies Chimnabai Road Navasari Gujarat 396445. Rohtak: 205, 2ND Floor, Blg. No. 2, Munjal Complex, Delhi Road, Rohtak Haryana 124001. Tirupathi: Shop No14, Boligala Complex, 1st Floor, Door No. 18-8-41B Near Leela Mahal Circle Tirumala Byepass Road Tirupathi Andhra Pradesh 517501. Kalyani: A 1/50, Block A, Dist Nadia Kalyani West Bengal 741235. Bhuj: Data Solu on, Oce No:17 I st Floor Municipal Building Opp Hotel Prince Sta on Road Bhuj Kutch Gujarat 370001. Solapur: Flat No 109, 1st Floor A Wing, Kalyani Tower 126 Siddheshwar Peth Near Pangal High School Solapur Maharashtra 413001. Junagadh: Circle Chowk, Near Choksi Bazar Kaman, Gujarat Junagadh Gujarat 362001. Ankleshwar: Shop No F 56 First Floor,Omkar Complex Opp Old Colony,Nr Valia Char Rasta GIDC Ankleshwar Bharuch Gujarat 393002. Kollam: Kochupilamoodu Junc on Near VLC, Beach Road Kollam Kerala 691001. Jhansi: Opp SBI Credit Branch Babu Lal Kharkana Compound Gwalior Road Jhansi U arpradesh 284001. Aligarh: City Enclave, Opp. Kumar Nursing Home Ramghat Road Aligarh U ar Pradesh 202001. Satara: 117 / A / 3 / 22, Shukrawar Peth Sargam Apartment Satara Maharashtra 415002. Kumbakonam: Jailani Complex 47, Mu Street Kumbakonam Tamil Nadu 612001. Bhagalpur: Krishna, I Floor Near Mahadev Cinema Dr.R.P.Road Bhagalpur Bhagalpur Bihar 812002. Bareilly: F-62-63, Butler Plaza Civil Lines Bareilly Bareilly U ar Pradesh 243001. Akola: Opp. RLT Science College Civil Lines Akola Maharashtra 444001. Yamuna Nagar: 124-B/R Model Town Yamunanagar Yamuna Nagar Haryana 135 001. Deoghar: S S M Jalan Road Ground oor Opp. Hotel Ashoke Caster Town Deoghar Jharkhand 814112. Karimnagar: HNo.7-1-257, Upstairs S B H Mangammathota Karimnagar Karimnagar Andhra Pradesh 505 001. Kadapa: Bandi Subbaramaiah Complex D.No:3/1718, Shop No: 8 Raja Reddy Street Kadapa Kadapa Andhra Pradesh 516 001. Shimla: I Floor, Opp. Panchayat Bhawan Main gate Bus stand Shimla Shimla Himachal Pradesh 171001. Kannur: Room No.14/435 Casa Marina Shopping Centre Talap Kannur Kannur Kerala 670004. Mehsana: 1st Floor, Subhadra Complex Urban Bank Road Mehsana Mehsana Gujarat 384 002. Hazaribag: Municipal Market Annanda Chowk Hazaribagh Hazaribagh Jharkhand 825301. Anantapur: 15-570-33, I Floor Pallavi Towers Anantapur Anantapur Andhra Pradesh 515 001. Kurnool: H.No.43/8, Upstairs Uppini Arcade, N R Peta Kurnool Kurnool Andhra Pradesh 518 004. Hisar: 12, Opp. Bank of Baroda Red Square Market Hisar Hisar Haryana 125001. Sriganganagar: 18 L Block Sri Ganganagar Sri Ganganagar Rajasthan 335001. Bha nda: 2907 GH,GT Road Near Zila Parishad BHATINDA BHATINDA Punjab 151001. Shimoga: Nethravathi Near Gu Nursing Home Kuvempu Road Shimoga Shimoga Karnataka 577 201. Palakkad: 10 / 688, Sreedevi Residency Me upalayam Street Palakkad Palakkad Kerala 678 001. Margao: Virginkar Chambers I Floor Near Kamath Milan Hotel, New Market Near Lily Garments, Old Sta on Road Margao Margao Goa 403 601. Karur: 126 G, V.P.Towers, Kovai Road Basement of Axis Bank Karur Karur Tamil Nadu 639002. Bikaner: F 4,5 Bothra Complex Modern Market Bikaner Bikaner Rajasthan 334001. Kakinada: No.33-1, 44 Sri Sathya Complex Main Road Kakinada Kakinada Andhra Pradesh 533 001. Bilaspur: Beside HDFC Bank Link Road Bilaspur Bilaspur Cha sgarh 495 001. Vapi: 215-216, Heena Arcade, Opp. Tirupa Tower, Near G.I.D.C Char Rasta Vapi Vapi Gujarat 396195. Ambala: Opposite PEER Bal Bhavan Road Ambala Ambala Haryana 134003. Agartala: Advisor Chowmuhani (Ground Floor) Krishnanagar Agartala Agartala Tripura 799001. Saharanpur: I Floor, Krishna Complex Opp. Hathi Gate Court Road Saharanpur Saharanpur U ar Pradesh 247001. Kharagpur: H.NO.291/1, WARD NO-15 MALANCHA MAIN ROAD OPPOSITE UCO BANK Kharagpur Kharagpur West Bengal 721301. Thiruvalla: Central Tower, Above Indian Bank, Cross Junc on Thiruvalla Kerala 689101. Alleppey: Blgd. No. VIII / 411, C C N B Road Near Pagoda Resort Chungom Alleppey Kerala 688011. Noida: C-81,1st oor Sector 2 Noida 201301. Chennai (OMR): Ground Floor 148 Old Mahabalipuram Road Okkiyam, Thuraipakkam Chennai Tamil Nadu 600097. Thane: 3rd Floor, Nalanda Chambers B Wing, Gokhale Road,Near Hanuman Temple Naupada Thane Maharashtra 400 602. Andheri: CTS No 411 Ci point, Gundivali, Teli Gali Above C.T. Chatwani Hall Andheri Andheri Maharashtra 400069. Bharuch: (parent: Ankleshwar TP): F-108, Rangoli Complex Sta on Road Bharuch Bharuch Gujarat 392001. Sangli: (Parent: Kohlapur) Diwan Niketan 313, Radhakrishna Vasahat Opp. Hotel Suruchi, Near S.T. Stand Sangli Sangli Maharashtra 416416. C.R.Avenue: (Parent: Kolkata ISC) 33,C.R Avenue 2nd oor ,Room No.13 Kolkata Kolkata West Bengal 700012. Karnal: (Parent :Panipat TP) 7, Ist Floor, Opp Bata Showroom Kunjapura Road Karnal Karnal Haryana 132001. Mapusa: (Parent ISC : Goa) Oce no.CF-8, 1st Floor, Business Point Above Bicholim Urban Co-op Bank Angod Mapusa Mapusa Goa 403 507. Nadiad: (Parent TP: Anand TP) 8, Ravi Kiran Complex Ground Floor Nanakumbhnath Road Nadiad Nadiad Gujarat 387001. Bhusawal: (Parent: Jalgaon TP) 3, Adelade Apartment Christain Mohala, Behind Gulshan-E-Iran Hotel Amardeep Talkies Road Bhusawal Bhusawal Maharashtra 425201. Unjha: (Parent: Mehsana) 10/11, Maru Complex, Opp. B R Marbles, Highway Road Unjha Unjha Gujarat 384 170. Jalna: C.C. (Parent: Aurangabad) Shop No: 11, 1St Floor, Ashoka Plaza Opp: Magis c Talkies Subhash Road Jalna Jalna Maharashtra 431 203. Gondal: (Parent Rajkot) A/80, Kailash Complex Opp. Khedut Decor GONDAL Gujarat 360 311. Kestopur: 148,Jessore Road Block B (2nd Floor) Kolkata Kestopur West Bengal 700101. Vaso:(Parent Goa) No DU 8, Upper Ground Floor Behind Techoclean Clinic, Suvidha Complex Near ICICI Bank Vasco da gama 403802. Ahmednagar: 203-A,Mutha Chambers Old Vasant Talkies Market Yard Road Ahmednagar Ahmednagar Maharashtra 414 001. Bas : Oce no 3, Ist Floor Jamia Shopping Complex ,(Opposite Pandey School) Sta on Road Bas U ar Pradesh 272002. Chhindwara: Oce No 1, Parasia Road Near Mehta Colony Chhindwara Madhya Pradesh 480 001. Chi orgarh: 3 Ashok Nagar Near Heera Va ka Chi orgarh Rajasthan 312001. Darbhanga: Shahi Complex,1st Floor Near RB Memorial hospital,V.I.P. Road, Benta Laheriasarai Darbhanga Darbhanga Bihar 846001. Dharmapuri: 16A/63A, Pidamaneri Road Near Indoor Stadium Dharmapuri Dharmapuri Tamil Nadu 636 701. Dhule: H. No. 1793 / A, J.B. Road Near Tower Garden Dhule Maharashtra 424 001. Faizabad: 64 Cantonment Near GPO Faizabad Faizabad U ar Pradesh 224001. Gandhidham: Plot No. 261, 1st Floor, Sector 1A Om Mandap Galli Gandhidham Gujarat 370 201. Gulbarga: Pal Complex, Ist Floor Opp. City Bus Stop,SuperMarket Gulbarga Gulbarga Karnataka 585 101. Haldia: 2nd Floor, New Market Complex 2nd Floor, New Market Complex Durgachak Post Oce,Purba Medinipur District, Haldia Haldia West Bengal 721 602. Haldwani: Durga City Centre Nainital Road Haldwani Haldwani U arakhand 263139. Himmatnagar: D-78 First Floor New Durga Bazar Near Railway Crossing Himmatnagar Himmatnagar Gujarat 383 001. Hoshiarpur: Near Archies Gallery Shimla Pahari Chowk Hoshiarpur Hoshiarpur Punjab 146 001. Hosur: Shop No.8 J D Plaza OPP TNEB Oce Royako a Road Hosur Tamil Nadu 635109. Jaunpur: 248, FORT ROAD Near AMBER HOTEL Jaunpur UTTAR PRADESH 222001. Katni: 1st FLOOR, GURUNANAK DHARMAKANTA Jabalpur Road BARGAWAN KATNI Madhya Pradesh 483 501. Khammam: Shop No: 11 2 31/3, 1st oor, Philips Complex, Balajinagar, Wyra Road, Near Baburao Petrol Bunk, KHAMMAM Andhra Pradesh 507 001. Malda: Daxhinapan Abasan Opp Lane of Hotel Kalinga SM Pally Malda Malda West Bengal 732 101. Manipal: Trade Centre, 2nd Floor Syndicate Circle, Star ng Point Manipal Karnataka 576104. Mathura: 159/160 Vikas Bazar Mathura U arpradesh 281001. Moga: Gandhi Road Opp Union Bank of India Moga Moga Punjab 142001. Namakkal: 156A / 1, First Floor, Lakshmi Vilas Building Opp. To District Registrar Oce, Trichy Road Namakkal Namakkal Tamil Nadu 637001. Palanpur: Jyo ndra Industries Compound Near Vinayak Party Plot, Deesa Road Palanpur Palanpur Gujarat 385 001. Rae Bareli: 17, Anand Nagar Complex Rae Bareli Rae Bareli U ar Pradesh 229001. Rajapalayam: No 59 A/1, Railway Feeder Road Near Railway Sta on Rajapalayam Rajapalayam Tamil Nadu 626117. Ratlam: Dafria & Co 18, Ram Bagh Near Scholars School Ratlam Madhya Pradesh 457001. Ratnagiri: Kohinoor Complex Near Natya Theatre Nachane Road Ratnagiri Ratnagiri Maharashtra 415 639. Roorkee: 22 CIVIL LINES GROUND FLOOR HOTEL KRISH RESIDENCY Roorkee Roorkee U arakhand 247667. Sagar: Opp. Somani Automobiles Bhagwanganj Sagar Sagar Madhya Pradesh 470 002. Shahjahanpur: Bijlipura, Near Old Dis Hospital Near Old Dis Hospital Shahjahanpur U ar Pradesh 242001. Sirsa: Gali No:1 Old Court Road Near Railway Sta on Crossing Sirsa Haryana 125055. Sitapur: Arya Nagar Near Arya Kanya School Sitapur Sitapur U ar Pradesh 261001. Solan: 1st Floor, Above Sharma General Store Near Sanki Rest house The Mall Solan Solan Himachal Pradesh 173 212. Srikakulam: Door No 5 6 2, Punyapu Street Palakonda Road, Near Krishna Park Srikakulam Srikakulam Andhra Pradesh 532 001. Sultanpur: 967, Civil Lines Near Pant Stadium Sultanpur U ar Pradesh 228 001. Surendranagar: 2 M I Park, Near Commerce College Wadhwan City Surendranagar Surendranagar Gujarat 363035. Tinsukia: Dhawal Complex Ground Floor, Durgabari Rangagora Road,Near Dena Bank Tinsukia Assam 786125. Tu corin: 4B / A-16 Mangal Mall Complex Ground Floor, Mani Nagar Tu corin Tu corin Tamil Nadu 628003. Ujjain: 123, 1st Floor, Siddhi Vinanyaka Trade Centre Saheed Park, Ujjain Madhya Pradesh 456 010. Yavatmal: Pushpam, Tilakwadi Opp. Dr. Shrotri Hospital Yavatma Yavatma Maharashtra 445 001

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