ELSS NFO SBI Tax Adantage Fund - Series I

Asset Management Company : SBI Funds Management Pvt. Ltd. (A Joint Venture between State Bank of India & Société Générale Asset Management) Mutual Fund : KEY INFORMATION MEMORANDUM AND APPLICATION FORMS (Scheme re-opens for repurchase after 3 years from the date of allotment i.e from 30.03.2011) OFFER FOR UNITS OF RS.10 PER UNIT FOR CASH DURING THE NEW FUND OFFER PERIOD NEW FUND OFFER OPENS ON : 03.12.2007 ALLOTMENT DATE NEW FUND OFFER CLOSES ON : 03.03.2008 : : 31.03.2008 30.03.2018 DATE OF MATURITY OF THE SCHEME Sponsor : State Bank of India Asset Management Company : SBI Funds Management Pvt. Ltd., 191, Maker Towers ’E’, Cuffe Parade, Mumbai - 400 005 Visit us at www.sbimf.com This Key Information Memorandum (KIM) sets forth the information, which a prospective investor ought to know before investing. For further details of the scheme/Mutual Fund, due diligence certificate by the AMC, Key Personnel, investors rights & services, risk factors, penalties & pending litigations, associate transactions etc. investors should, before investment, refer to the Offer Document available free of cost at any of the Investor Service Centres/Investor Service Desks or Distributors or from our website www.sbimf.com The Scheme particulars have been prepared in accordance with Securities and Exchange Board of India (Mutual Funds) Regulations 1996, as amended till date and ELSS Guidelines, and filed with Securities and Exchange Board of India (SEBI). The units being offered for public subscription have not been approved or disapproved by SEBI, nor has SEBI certified the accuracy or adequacy of this KIM. Type of scheme Investment Objective A 10 Year Close-ended Equity Linked Savings Scheme The scheme endeavours to generate capital appreciation over a period of ten years by investing predominantly in equities of companies across large, mid and small market capitalization, along with income tax benefit. Type of Instrument Normal Allocation (% of Net Assets) Risk Profile Asset allocation pattern of the scheme Equities ^ Debt and Money Market instruments^ 80 - 100 0 - 20 High Low to Medium Investment Strategy ^ The Scheme may invest in derivatives (equity as well as debt) and Securitized Debt, as and when, permitted by ELSS /SEBI Guidelines. The broad investment strategy of the fund will be to invest in equities of companies, which will be highly tilted towards Midcap companies that have the potential to grow at a reasonable rate in the long term. Other equity investment will be in well managed, high quality companies in large cap segment. The scheme aims to build and maintain a diversified portfolio with no sectoral bias. Mutual Fund investments are subject to market risks. Please read the offer document carefully for details on risk factors before investment Growth and Dividend Options. Dividend option will have only payout facility. For sale of Units : Being a close ended scheme, the Units of the scheme would be offered for subscription only during the NFO period. For Repurchase including Switchout of Units : Repurchase facility is available only after lock-in period of three years. In respect of valid applications received upto 3 p.m. on any business day by the Mutual Fund at any of the designated collection centres, same day’s closing NAV shall be applicable. In respect of valid applications received after 3 p.m. on any business day by the Mutual Fund at any of the designated collection centres, the closing NAV of the next business day shall be applicable. Risk Profile of the scheme Options Applicable NAV Minimum Application Amount Minimum Repurchase Amount Rs. 500 and in multiples of Rs. 500 thereafter. The minimum amount of repurchase would be Rs. 500/- or 50 Units whichever is lower. Investors under the scheme may avail the facility of Full/partial redemption after the lock in period of 3 years from the date of allotment. Within 10 working days of the receipt of the redemption request at the authorized centers of SBI Mutual Fund. BSE 100 Dividend will be distributed from the available distributable surplus after the deduction of the income distribution tax and the applicable surcharge and Cess, if any. The Mutual Fund is not guaranteeing or assuring any dividend. Mr. Ritesh Sheth SBI Mutual Fund Trustee Company Private Limited Compounded Annualized Returns for the last 1 year Returns for the last 3 years Returns for the last 5 years Returns since inception Magnum Taxgain Scheme(%) 53.04 70.72 74.57 22.65 Benchmark Returns (BSE 100) (%) 53.16 48.55 47.44 17.24 Despatch of Repurchase request Benchmark Index Dividend Policy Name of the Fund Manager Board of Trustees Performance of the scheme (Since this is a new scheme, compounded annualized returns (as on November 15, 2007) of Magnum Taxgain scheme is provided. Note that Magnum Taxgain is an open ended scheme) 2 Key Information Memorandum Expenses of the scheme The initial issue expenses of SBI Tax Advantage Fund – Series I up to the extent of 6% of the new fund offer mobilization would be borne by the scheme and any expense over and above 6% would be borne by the Asset Management Company. Entry Load: The scheme will not charge any entry load in line with SEBI Circular SBI/IMD/ Cir No. 1/64057/06 dated 4th April 2006. Exit Load: Nil. However, the investor will have to bear the proportionate unamortized initial issue expenses for any redemption /switch out made before the date of maturity. Recurring Expenses i) ii) iv) Tax treatment Investors for the 1. First Rs. 100 cr. of average weekly net assets - 2.50% Next Rs. 300 cr. of average weekly net assets -2.25% Balance of the average weekly net assets - 1.75% Tax benefit is available under sections 48 & 112 of the Income Tax Act, 1961 on capital gains for resident Indians. Short Term Capital Gains from equity schemes would be taxed at 10% (plus applicable surcharge) while long term capital gains would not be subject to any tax. Income distributed by equity schemes will not be subject to dividend distribution tax and will be tax free in the hands of the investor. Units held under this scheme will not be liable to gift tax & wealth tax. Individual/HUF investors can get the deduction of upto Rs. 1,00,000/- U/S 80C of Income Tax Act, 1961, subject to 3 years lock-in of amount invested iii) Next Rs. 300 cr. of the average weekly net assets - 2.00% 2. 3. 4. Daily Net Asset Value (NAV) Publication NAV would be declared on a weekly basis under the scheme. The NAV would be computed on Wednesday of every week and if Wednesday is non-business day than NAV will be declared on next business day. NAV will be published in 2 newspapers as prescribed under SEBI (MF) Regulations. NAV can also be viewed on www.sbimf.com and www.amfiindia.com. Registrar Computer Age Management Services Pvt. Ltd., (SEBI Registration No. : INR000002813) 178/10, Kodambakkam High Road, Opp. Hotel Palmgrove, Chennai - 600034. Phone: 9144 – 28283606/7/8 Fax : 044-28283610 E-mail : enq_L@camsonline.com Website : www.camsonline.com Mutual Fund Mr. G. Kandasubramanian (Asst. Vice President) Investor Relations Officer SBI Funds Management Pvt. Ltd. (A Joint Venture between SBI & SGAM) 191, Maker Towers ‘E’, Cuffe Parade, Mumbai - 400 005. Tel.: 022-22180244/22180221 Fax : 022 -22180244 E-mail : partnerforlife@sbimf.com Website :www.sbimf.com For investor grievance please contact Unit holders’ Information Account statement (on each transaction), Annual financial results shall be provided to investors by post. Before the expiry of one month from the close of each half-year i.e. on 31st March and on 30th Sept., the fund shall publish its unaudited financial results and the scheme portfolio in the prescribed formats in one national English daily newspaper and in a Marathi newspaper. These shall also be displayed on the website of the mutual fund and that of AMFI. Date : 29.11.2007 3 GENERAL INFORMATION AND GUIDELINES GENERAL INFORMATION a. Please read carefully the Offer Document of the scheme containing the terms of offer before investing. Prospective investors should not treat the contents of this document or the Offer Document of the scheme as advice relating to legal, taxation, investment or any other matter and are recommended to consult their own professional advisors concerning the acquisitions, 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 offer is being made and bind themselves to the terms upon signing the application form and tendering payment. The Offer Document/Key Information Memorandum of the Scheme is available with the ISCs/ISDs of SBIMF, brokers/distributors and also available for download on the SBIMF website i.e. www.sbimf.com. b. Please complete the Application Form legibly in black ink or any dark coloured ink, in the English language only, in BLOCK CAPITALS. Please strike out with a line across any section that is not applicable. c. Submission of Application Forms – Application forms complete in all respects with the necessary remittances may be submitted before the closure of the New Fund offer at SBI MF Corporate Office, SBI MF Investor Service Centres/SBI MF Investor Service Desks, the designated office of the Registrar or such other collection centres as may be designated by the AMC. The list of collection centres is printed overleaf. d. Application by post: Applications can be sent by post to the office of the Registrar (refer address on page no.3) to the scheme and should be accompanied by demand draft payable at Chennai. Applications received by post will be deemed to have been submitted on date of receipt at the Registrar’s end. e. Investors are advised to retain the acknowledgement slip signed/stamped by the collection centre where they submit the application. f. Allotment of units: Allotment is assured to all applicants provided the applications are complete in all respects and are in order. Applications not complete in any respect are liable for rejection. g. Systematic Investment Plan, Systematic Transfer Plan and Systematic Withdrawl Plan facilities are not available. Switch in is permitted during the New Fund Offer. Switch Out from the scheme will be allowed only after the lock in period. h. Prevention of Money Laundering : In terms of the Prevention of Money Laundering Act, 2002, the Rules issued there under and the guidelines/circulars issued by SEBI regarding the Anti Money Laundering (AML Laws), all SEBI registered intermediaries, including Mutual Funds, are required to formulate and implement a client identification programme, verify and maintain the record of identity and address(s) of the investors. In this regard, investors who wish to make an investment in the units of mutual fund will be required to produce prescribed documents to any such offices as may be notified by SBIMF or AMFI from time to time in order to comply with KYC norms of SBIMF. i. Brokerage [For Agents Only]: Brokerage will be paid only to SBIMF Agent/Collecting Branch/Stock Exchange Broker whose stamp appears in Relevant Boxes on the Application Form. Only AMFI Registered Agents empanelled with SBIMF and possessing valid AMFI Registration Number (ARN) would be eligible for brokerage payment under existing SEBI Guidelines. j. SEBI has banned rebating in any form. Investors should not be guided by considerations other than the Scheme’s objective for investment. 4 Key Information Memorandum GUIDELINES TO HELP YOU COMPLETE THE APPLICATION FORM 1 - FIRST APPLICANT’S PERSONAL DETAILS: a) Applications 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 (as provided in the bank account details). b) Applications for Non-Individuals: Companies, Trusts, Partnership firms, Societies or any other association should write the name exactly as it appears in its Incorporation document and in the Bank Account (as provided in the bank account details). c) In case the Sole / first applicant has an existing Folio No., it should be stated along with name and PAN details in the space provided for them. The form thereafter should be filled from Section 7 (onwards) d) Please fill in your date of birth as this may be required to identify you when communicating with us. e) If you have an email ID please include it as this will help us resolve queries more promptly. f) Permanent Account Number : While making an application for purchase of units for in a mutual fund, investors should compulsorily quote their Permanent Account Number (PAN) in the application form. Purchase of units would include Fresh purchases, additional purchases, Switch, Systematic Investment Plan, Systematic Transfer Plan. Further, all categories of investors (including NRIs, Guardian of a minor) are required to submit copy of PAN card for transacting in units of SBI Mutual Fund. Investors not having PAN must apply immediately and applications for investment must be accompanied by evidence of having applied for PAN. All Purchases below Rs. 50,000/- must be accompanied by a copy of PAN or evidence of having applied for PAN in Form 49A from an authorized entity. All Purchases above Rs. 50,000/- must be accompanied by a copy of PAN or Form 60/61 and evidence of having applied for PAN in Form 49A from an authorized entity. Evidence of having applied for PAN from an authorized entity will be accepted only upto December 31, 2007. From January 01, 2008 onwards only PAN will be accepted and no any other form of declaration will be accepted. In case of joint applications, the PAN of all the applicants should be quoted supported by the submission of relevant documents. In case of a minors who do not have any income chargeable to income-tax, the PAN of his/her father or mother or guardian, as the case may be should be quoted, in the application form. Applications where the PAN is not quoted or evidence of having applied for PAN in Form 49A from an authorized entity is not provided and the declaration(wherever applicable) is not provided in the Form 60/Form No. 61 would be rejected by the Mutual Fund without any reference to the investor. g) If any applicant is a minor, the name of the Guardian who will sign on behalf of the minor should be filled in the space provided. In case the applicant is a Corporate or a Non-Individual investor, the Contact Person’s name should be stated in the space provided. h) Your address should be written in full. P.O. Box address is not sufficient. i) Procedure for NRIs/PIOs: Applications on a repatriable basis can be made by remitting funds from abroad through normal banking channels or by submitting payments made by demand drafts purchased from FCNR accounts or by cheques drawn on NRE accounts or through Special Non-resident Rupee Accounts maintained with banks authorized to deal in foreign exchange in India. NRI/PIO applicants who invest through Demand Drafts/Banker’s cheque/Pay orders by debit to a NRE/FCNR account are also required to submit the necessary FIRC (Foreign Inward Remittance Certificate/Banker’s Certificate) in original to the Registrars along with the application form at the time of application. FIRC is not required for investments made through cheques drawn on NRE accounts or through Special Non-Resident rupee accounts. NRIs/ PIOs can also apply on a non-repartiable basis from their NRO account. NRIs/PIOs should state their overseas address 5 otherwise the application is liable to be rejected. NRIs/PIOs are requested to provide an Indian address (if available) for correspondence. j) Who can invest: a. The following is an indicative categories of Indian Nationals who are generally eligible to invest in the scheme: (i) Adult individuals. (ii) Adult individuals, not exceeding three, either - jointly, or - on either/any one or survivor basis, or - on first holder or survivor basis. (iii) Minors through their parents/step parents/guardians (applications of minors jointly with adults not allowed) (iv) Hindu Undivided Family (HUF) in the name of karta. (v) Companies/Bodies corporate/PSUs/Banks/Financial Institutions registered in India. Applications by above should be accompanied by their Memorandum/Articles of Association, and a copy of the Resolution authorizing the investment, and list of authorized signatories with specimen signatures. (vi) Religious/Charitable/Other Trusts, wakfs and societies registered under the applicable laws and authorized to invest in mutual funds. Applications by above should be accompanied by their Trust Deed, certified copy of the Board Resolution authorizing the investment, and list of authorized signatories with specimen signatures. (vii) Partnership firms. (viii) An association of persons or body of individuals, in either case, consisting only of husband and wife, governed by the system of community of property in force in the state of Goa and the Union Territory of Dadra, Nagar Haveli, Daman & Diu. (ix) Army/Air force/Navy/Paramilitary funds and other eligible institutions. (x) scientific and industrial research organization. (xi) Provident/pension/gratuity & such other funds as & when permitted to invest. (xii) International multilateral agencies approved by Government of India/RBI. (xiii) The trustees, AMC or sponsor or their associates (if eligible & permitted under prevailing laws). (xiv) A mutual fund through its schemes, including fund of funds schemes. b. Non-Resident Indians (NRIs), Persons of Indian Origin (PIO) and FIIs can invest on fully repatriable basis. NRIs and PIOs can also apply on a non-repatriable basis from their NRO Account. k) Who can not invest: It should be noted that the following entities cannot invest in the scheme(s) : 1. 2. Any individual who is a Foreign National Overseas Corporate Bodies (OCBs) shall not be allowed to invest in the Scheme. These would be firms and societies which are held directly or indirectly but ultimately to the extent of at least 60% by NRIs and trusts in which at least 60% of the beneficial interest is similarly held irrevocably by such persons (OCBs). SBIMFTCPL reserves the right to include / exclude new / existing categories of investors to invest in the Scheme from time to time, subject to SEBI Regulations and other prevailing statutory regulations, if any. Subject to the Regulations, any application for Units may be accepted or rejected in the sole and absolute discretion of the Trustee. For example, the Trustee may reject any application for the Purchase of Units if the application is invalid or incomplete or if, in its opinion, increasing the size of any or all of the Scheme’s Unit capital is not in the general interest of the Unit holders, or if the Trustee for any other reason does not believe that it would be in the best interest of the Scheme or its Unit holders to accept such an application. l) To help us service you better, please provide your telephone number(s) / mobile number(s) including the relevant STD / ISD code. m) Please indicate the status of the sole / 1st Applicant at the time of investment. Any change in status during the period of holding units should be given to assist in accurate tax treatment of income arising from such holdings. The abbreviations used in these sections are: HUF - Hindu Undivided Family; AOP - Association of Persons; BOI - Body of Individuals n) Mode of Holding: Tax concessions will be available only to the first named applicant. If the application is in the name of more than one individual, it will be treated as “Jointly” in case no choice under “Mode of holding(s)” is indicated. “Single” will entitle only the first holder to operate the account to the exclusion of the joint holders. “Anyone or Contd. on page 7 6 THIS BOOKLET CONSISTS OF 16 PAGES INCLUDING THE APPLICATION FORMS. PLEASE ENSURE THAT YOU HAVE ALL THE PAGES. Sponsor : State Bank of India Investment Manager : SBI Funds Management Pvt. Ltd. (A Joint Venture between SBI & SGAM) 191, Maker Towers ‘E’, Cuffe Parade, Mumbai - 400 005. Tel.: 022-22180221-27, www.sbimf.com & www.sbifunds.com APPLICATION NO. CHEQUE / DEMAND DRAFT TO BE DRAWN IN FAVOUR OF “SBI TAX ADVANTAGE FUND - SERIES I” A P P L I C A T I O N F O R M ARN & Name of Distributor Sub-Broker/ Subagent Code Branch Code Reference No. (To be filled by Registrar) Received Date Time NJ India Invest / ARN-0155 54934 (SEE GUIDELINE 1) 1. PARTICULARS OF FIRST APPLICANT EXISTING FOLIO NO. (For Exisiting unitholders please mention your Folio number, Name and fill point no. 4 of PAN details and then proceed to Investment and Payment details- 7) NEW UNITHOLDERS INFORMATION (Please fill in BLOCK Letters) Name of 1st Applicant (Mr/Ms/M/s) D D Date of Birth* *Mandatory field in case of Minor Telephone No. Name of Father/ Guardian in case of Minor Name of Contact Person (in case of Institutional Investor) M M Y Y Y Y Email ID Mobile No. 2. PARTICULARS OF SECOND APPLICANT Name Mr./Ms./M/s. (SEE GUIDELINE 2) 3. PARTICULARS OF THIRD APPLICANT Name Mr./Ms./M/s. (SEE GUIDELINE 2) 4. PAN DETAILS (Mandatory, as per SEBI Regulations) PAN / Form 60 / 61/49A. Application without this information will be rejected. PAN Pan Proof attached First Applicant / or Guardian Second Applicant Third Applicant or or ( please ✓ ) Only for application of above Rs. 50,000 ( please ✓ ) alongwith Form 49A Form 60 / 61 attached Form 60 / 61 attached Form 60 / 61 attached (SEE GUIDELINE 1 1 f) (SEE GUIDELINE f) Form 49A Form 49A Form 49A 5. GENERAL INFORMATION – Please ( ✓ ) wherever applicable Status Mode of Holding Occupation Monthly Income Individual Trust/Society Single Self Employed < Rs. 10,000 Minor through Guardian Company/Body Corporate/PSU Joint Professional < Rs.25,000 Housewife NRI/ Repatriation basis PIO Non-repatriation basis Either or Survivor Retired < Rs.50,000 FII AOP / BOI (SEE GUIDELINE 1 m & n) HUF Partnership Firm Others Any one or Survivor Other > Rs.1,00,000 Service < Rs.1,00,000 6. CONTACT DETAILS Local Address of 1st Applicant Landmark City District State Address for Correspondence for NRI Applicants only ( Please (✓) ) Local by Default ✓ Foreign (SEE GUIDELINE 1) Pin Foreign Address (NRI / FII Applicants) City Country TEAR HERE ZIP ACKNOWLEDGEMENT SLIP To be filled in by the Investor APPLICATION NO. Sponsor : State Bank of India, Investment Manager : SBI Funds Management Pvt. Ltd. (A Joint Venture between SBI & SGAM) (To be filled in by the First applicant/Authorized Signatory) : Received from Name & address : _______________________________________________________________________________ Scheme Name Option (Please ✓ ) Dividend (Payout) Growth Cheque/ DD Amount (Rs.) Bank and Branch Cheque / DD No. & Date SBI TAX ADVANTAGE FUND - SERIES I Stamp Signature & Date All purchase are subject to realisation of cheque / demand draft. 1 7. INVESTMENT AND PAYMENT DETAILS : I/We would like to invest in the following Scheme of SBI Mutual Fund (SEE GUIDELINE 5 & 6) CHEQUE / DEMAND DRAFT TO BE DRAWN IN FAVOUR OF “SBI TAX ADVANTAGE FUND - SERIES I” Scheme Name Option (Please ✓) (SEE GUIDELINE 6) Cheque / DD Amount (Rs.) Drawn on Bank and Branch Cheque / D.D. No. & Date SBI TAX ADVANTAGE FUND - SERIES I Investment Amount (Rs. in Figures) Dividend (Payout) Growth Investment Amount (Rs. in Words) 8. BANK PARTICULARS (Please note that as per SEBI Regulations it is mandatory for Investors to provide their bank account details) (SEE GUIDELINE 3) Name of Bank Branch Name and Address City Account No. 9 digit MICR Code Pin Account Type (Please ✓) (This is 9 digit number next to the cheque number. Please provide a NRO Savings copy of cancelled cheque leaf from an ECS/ Direct Credit eligible bank) Current NRE (SEE GUIDELINE 3) Note : AMC, reserves the right to use any other mode of payment as deemed appropriate. I/We understand that AMC shall not be responsible if transaction through ECS / Direct Credit could not be carried out because of incomplete or incorrect information. 9. DIRECT CREDIT OF REDEMPTION (SEE GUIDELINE 7) Unit holders having bank account with select banks viz.State Bank of India (core banking branches), HDFC Bank, ICICI Bank, Axis Bank, Kotak Bank, Citi Bank and IDBI Bank will receive their redemption proceeds (if any) directly into their bank account. Please attach a copy of a cancelled cheque leaf. The AMC may alter the list of banks participating in direct credit arrangement from time to time/ withdraw direct credit facility without any prior intimation to unitholders. In the event that direct credit facility is being discontinued, the unit holders will receive redemption payments through other modes such as cheque, demand draft, etc. If you do not wish to receive redemption proceeds through direct credit , now or in future, please tick (✓) the box 10. NOMINATION : I wish to nominate the following person/body to receive the amount to my credit in the event of my death. Name of the Nominee Name of theGuardian* Relationship/Body Address of Nominee/ Guardian* Date of Birth* D D M M YY YY (SEE GUIDELINE 8) Signature of Guardian* (*Mandatory in case of Minor nominee) 11. SERVICES I would like to receive a PIN form to view account information online (Please ✓) E-mail Id (SEE GUIDELINE 4) I would like to receive statements by email only (Please ✓) 12. DECLARATION & SIGNATURE ( SEE GUIDELINE 9) : "I/We have read and understood the contents of the offer document and the details of the scheme and I/We have not received or been induced by any rebate or gifts, directly or indirectly, in making this investment." "I/We hereby declare that the amount invested/to be invested by me/us in the scheme(s) of SBI Mutual Fund is derived through legitimate sources and is not held or designed for the purpose of contravention of any act, rules, regulations or any statute or legislation or any other applicable laws or any notifications, directions issued by any governmental or statutory authority from time to time." * I/We certify that as per the Memorandum and Articles of Association of the Company, Bye laws, Trust Deed or Partnership Deed and resolutions passed by the Company / Firm / Trust. I/We are authorised to enter into this transactions for and on behalf of the Company/Firm/Trust. ** I/We confirm that I am/we are Non Resident of Indian Nationality/Origin and I/We hereby confirm that the funds for the subscriptions have been remitted from abroad through approved banking channels or from my/our Non Resident External/Ordinary account/FCNR Account." * Applicable to other than Individuals / HUF; ** Applicable to NRI; SIGNATURE(S) All applicants must sign here 1st Applicant / Authorised Signatory Date Place TEAR HERE 2nd Applicant / Authorised Signatory 3rd Applicant / Authorised Signatory All future communication in connection with this application should be addressed to the Registrars to the scheme or SBIMF Corporate Office. Investment Manager : SBI Funds Management Pvt. Ltd. (A Joint Venture between SBI & SGAM) 191, Maker Towers ‘E’, Cuffe Parade, Mumbai - 400 005. Tel.: 022-22180244/22180221, Fax : 022 -22180244 E-mail : partnerforlife@sbimf.com, Website : www.sbimf.com 2 Registrar: Computer Age Management Services Pvt. Ltd., (SEBI Registration No. : INR000002813) 178/10, Kodambakkam High Road, Opp. Hotel Palm Grove, Chennai - 600034. Phone: 9144 – 28283606/7/8, 39115501/2/3 Fax : 044-28283610 E-mail : enq_L@camsonline.com Website : www.camsonline.com Key Information Memorandum Survivor” will entitle any one of the joint holders to operate the folio and “Jointly” will allow operation of the account only if all the holders sign the instruction. 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 applications and in redemption requests. Investors are requested to provide these details in the space provided in the application form to enable verification of the bank mandate details and to also ensure expeditious clearing of instruments. This measure is intended to avoid fraud/misuse or theft of warrants in transit. Kindly note that applications not containing these details may be rejected. 4 - SERVICES: We offer an online account management service which gives you the latest details of your account 24 hours a day, seven days a week, including your current valuation and information on recent transactions. If you would like to view your account online please tick the relevant box and we will send you a PIN form. To help minimize paperwork you also have the option of receiving statements/other information by e-mail rather than by post. Investors who opt to receive statements / other information by e-mail may not receive the same by post. Please tick the relevant box to opt for this service. 5 - INVESTMENT AND PAYMENT DETAILS: i) Payment may be made by cheque/bank draft payable locally, at any of the SBIMF Investor Service Centres/SBIMF Investor Service Desks/Corporate Office of the Mutual Fund/Office of the Registrar/Investor Service Centres and Transaction Points of the Registrar or such other Collection Centres as may be decided by the Mutual Fund from time to time. Outstation cheques will not be accepted and application forms accompanied by such cheques will be rejected. No Cash will be accepted. Please do not pay Cash for subscription to any Agent. Cheque/D.D. to be crossed “Account Payee” only and should be drawn payable to: - “SBI Tax Advantage Fund – Series I”. ii) Unit holders must write the Folio number / Application number, if any, on the reverse of the cheques accompanying the Forms. 6 - INVESTMENT OPTIONS: Please tick either the “Growth” or “Dividend” option. If this is left blank or it is not clear, the default will be treated as “Growth”. Please note that dividend option has only payout facility. 7- DIRECT CREDIT OF DIVIDEND/REDEMPTION. SBIFM had entered into an agreement of a direct credit facility of dividends / redemptions with certain banks. For the investors who have an account with such banks, the default option for payment of dividend/redemption proceeds for all the prospective investment would be direct credit into their bank account (in case the investor has provided his bank mandate as one of the bank participating in direct credit arrangement and if he fails to specify other mode of payment i.e. cheque/ demand draft). The AMC may alter the list of banks participating in direct credit arrangement from time to time/ withdraw direct credit facility from banks, based on its experience of dealing with any such banks or add/withdraw the name of bank with whom direct credit facility arrangement can be introduced/discontinued as the case may be. However, in the event of direct Contd. from page 6 11 7 credit facility being discontinued, the unitholders will receive payments in respect of dividend/redemption through other mode such as cheque, demand draft, etc. If you do not wish to receive dividend/redemption proceeds through direct credit , now or in future, please indicate the same in the application form. In such cases unitholders will receive payments in respect of dividend/redemption through other mode such as cheque, demand draft 8 - NOMINATION FACILITY/ SUCCESSION: Nomination facility is available only for individuals applying on their own behalf, either singly or jointly upto three. Applicants can nominate only one person. Nomination can also be in favour of the Central Government, State Government, a local authority, any person designated by virtue of his office or a religious or charitable trust. Nomination facility is also available to NRI/PIO investors. Minors, NRIs and PIOs can also be nominated. In case the nominee is an NRI/PIO but the investor is a resident, then the repurchase/redemption proceeds will be payable on a non-repatriable basis, whereas if the investor is also an NRI/PIO it would be payable on a fully repatriable basis. In case the nominee is a minor the guardian should be other than the applicant. This will however be subject to change, if any, in the guidelines of RBI/other regulators. Applicants may change their nomination at any time during the currency of the scheme. As per Equity Linked Saving Scheme, 2005, in the event of the death of the Unitholder, the nominee or legal heir, as the case may be, shall be able to withdraw the investment only after the completion of one year from the date of allotment of the units to the Unitholder or anytime thereafter. 9 - DECLARATION AND SIGNATURES: a) All signatures should be in English or any Indian language. Thumb impressions should be from the left hand for males and the right hand for females and in all cases be attested by an authorized official of State Bank Group (SBG), Magistrate, Notary Public under his/her official seal. b) In case of applications under a Power of Attorney, the relevant Power of Attorney or the certified and duly notarized copy thereof must be lodged along with the application. 8 12 APPLICATIONS TOGETHER WITH DEMAND DRAFTS/CHEQUES MAY BE SUBMITTED AT ANY OF THE FOLLOWING CENTRES/BANKS: SBIMF INVESTOR SERVICE CENTRES AHMEDABAD : SBIMF Investors Service Centre, 4th Floor, Zodiac Avenue, Opp Mayor Bungalow, Near Law Garden, Ahmedabad–380006 Tel.: (079) 26423060/26423070/ 09825300439 BANGALORE : SBIMF Investors Service Centre, 1st Floor, Block I, SBI, LHO, Campus, 65, State Bank Road, Opp. Museum Road Post Office, Bangalore–560001 Tel.: (080)2227 2284/ 22122507/22123784/ 22123784 BHILAI : SBIMF Investors Service Centre, F-7 Commercial Complex, Uttar Gangotri, Supela, G.E. Road,Bhilai–490 023 Tel.: (0788) 4010955/ 2273261/ 2272344 / 09826163425 BHOPAL: SBIMF Investors Service Centre, 133, Kay Kay Business Centre, Above City Bank, M.P.Nagar Zone -I, Bhopal–462011Tel.: (0755) 2557341/ 4288277/ 4273983/ 09826907341 BHUBANESHWAR : SBIMF Investors Service Centre, SBI LHO Bldg, Ground Floor, Pt. Jawaharlal Nehru Marg, Bhubaneshwar–751001 Tel.: (0674) 2392401/09937027402 CHANDIGARH : SBIMF Investors Service Centre, State Bank Of India, Sector - 17B, Chandigarh–160017 Tel.: (0172) 2709728/2711869/2701741 CHENNAI : SBI MF-Investor Service Centre, Flat 3C,3rd Floor, Chaitanya Centre, No 12/21, Khader Nawas Khan Road, Nungambakkam, Chennai- 600006 Tel.: (044) 28333384/ 28333385/42317230 COIMBATORE : SBIMF Investors Service Centre, 1st Floor, Above SBI R.S Puram Branch, 541, D.B Road, R.S Puram, Coimbatore- 641 002 Tel.: (0422) 2540666/ 2541666 ERNAKULAM : SBIMF Investors Service Centre, 28/218 II Floor, Manorama Junction, Above SBI Ernakulam South Branch, S A Road, Panampilly Nagar, Ernakulam–682036Tel.: (0484) 3222564/ 2318886/9895052150/ 9847088411 GOA : SBIMF Investor Service Centre, 7, Ground Floor, Kamat Chambers, Opp. Neptune Hotel Panaji, Goa–403 001Tel.: (0832) 6642475/ 2235283/ 9822102690/ 9881148869 GUWAHATI : SBIMF Investors Service Centre, Sethi Trust Building,Unit-III, Above State Bank of India-GMC Branch, G.S.Road, Bhangagarh, Guwahati-781005 Tel.: (0361) 2463747/2463704 / 09864064799 HYDERABAD : SBIMF Investors Service Centre, 1st Floor, State Bank of India, Local Head Office, Koti, Hyderabad–500195 Tel.: (040) 2475 6241 / 24756066 09848014584 INDORE : SBIMF Investors Service Centre, 120-121 City Centre, 570 M.G. Road, Indore–452001 Tel.: (0731)4045944/ 09926024522 JAIPUR : SBIMF Investors Service Centre, State Bank of India, Sanganeri Gate, Jaipur–302001 Tel.: (0141) 2567354/ 2574134 KANPUR : SBIMF Investor Service Centre, C/o State Bank of India, Building No.5 Mall Road, Kanpur Tel.: (0512) 2331631/ 09919101413/09839011843/09839605668 KOLKATA : SBIMF Investors Service Centre, 1, Middleton Street, Jeevandeep Bldg, 9th Floor, Kolkatta–700 001 Tel.: (033) 22882339/22882341/ 22882342/ 09830766584/09830139491/ 09831795877 09830137950 LUCKNOW : SBIMF Investors Service Centre, 1st Floor, “B” Wing, SBI Local Head Office, Moti Mahal Marg, Hazratganj, Lucknow–226001 Tel.: (0522) 2201886 / 2234042/ 98391 97078/ 98392 11339/09839044110 LUDHIANA : SBIMF Investor Service Centre, C/o. State Bank of India, 1st Floor, Main Branch, Civil Lines, Ludhiana–141 001 Tel.: (0161) 2449 849/ 2449859 MUMBAI : SBIMF Investors Service Centre, Ilaco House, 2nd Floor, P M Road, Fort, Mumbai–400 001. Tel.: (022) 66532800/ 09820234010 NEW DELHI : SBIMF Investors Service Centre, 5th Floor, Ashoka Estate, 24 Barakhamba Lane, New Delhi–110001 Tel.: (011) 2331 5058 / 2331 7262/ 2332 8715/2346 6666 NAGPUR : SBIMF Investors Service Centre, 133, Second Floor, Shreeram Shyam Towers, Beside Nagpur Improvement Trust Building, Kingsway, Nagpur440001 Tel.: (0712) 2543123 / 9326447311 PATNA : SBIMF Investors Service Centre, SBI Main Branch, 2nd floor, West of Gandhi Maidan, Patna–800001 Tel.: (0612) - 2219232 / 3242047 PUNE : SBIMF Investors Service Centre, C/o SBI Personal Banking Branch Premises, Madhuri Kishor Chambers,1st Floor, Senapati Bapat Road,Pune–411016 Tel.: (020) 25761524 / 25670961 RANCHI : SBIMF Investors Service Centre, C/o. State Bank Of India,Upper Bazar Branch, 2nd Floor, Metro Market, Kutchery Road, Ranchi–834 001 Tel.: (0651) 2315212/ 2310413/ 09431109702 SILIGURI : SBIMF Investors Service Centre, State Bank Of India, Mangaldeep Building, Hill Cart Road, Siliguri–734 401 Tel.: (0353) 2537 065/ 2534206/09932024783 SURAT : SBIMF Investors Service Centre, Higher Ground Floor, Meghratna Complex, Athughar Street, Nanpura,Surat - 395001, Tel.: (0261) 3994800/2462764/09377773435, VADODARA : SBIMF Investors Service Centre, C/o. SBI Zonal Office, 6th Floor, Paradise Complex, Sayaji Gunj, Vadodara–390 005 Tel.: (0265) 2225628 / 2225629 VIJAYAWADA : SBIMF Investors Service Centre, State Bank of India, Station Road Branch, Padmanabha Building, Vijayawada–520003 Tel.: (0866) 2578 215 / 2574113/09849185254 SBIMF INVESTOR SERVICE DESKS AGRA : SBIMF Investors Service Desk, SBI Main Branch, Chipitola, Agra–282001, Tel.: (0562) 3255061 / 09759005993 AMRISTAR : SBIMF Investors Service Desk, Personal Banking Branch, SCO 3, Lawrence Road, Amritsar–143001 Tel.: 2221755 / 09855008415 AJMER : SBIMF Investor Service Desk, SBI Main Branch, Ajmer–305 001 Tel.: (0145) 2426284 /09829067357 AURANGABAD : SBIMF Investors Service Desk, State Bank of India, Personal Banking Branch, Jaggi Bulding, Kranti Chowk, Aurangabad. Pin-431005 Tel.: (0240) 2353178 / 2340621 /9890014781 / 937001478 CALICUT : SBIMF Investor Service Desk, C/o SBI NRI Branch, 2nd Floor, Aydeed Complex, YMCA Cross Road, Calicut - 673001 Tel.: 092495 04951 / 09895667351 DEHRADUN : SBIMF Investors Service Desk, SBI Main Branch, 4, Convent Road, Dehradun, Tel.: (0135) 2651719 / 09412992892 GORAKHPUR : SBIMF Investors Service Desk, C/o. State Bank of India, Gorkhpur Branch, Bank Road, Gorakhpur (U.P Tel : 9918001822 GWALIOR : SBIMF Investor’s Service Desk, C/O State Bank Of India, .) Gwalior Main Branch,Bara, Gwalior Tel.: 09425341377 GHAZIABAD : SBIMF Investor Service Desk, C/o SBI, Navyug Market, Ghaziabad201001 Tel.: (0120) 2797582 /09810122988 GURGAON : SBIMF Investor Service Desk, C/o SBI Commercial Branch, 6th Floor, Palm Court, Near MDI,Mehroli Road, Gurgaon–122 001 Tel.: (0124) 4083769 /09810064560 HUBLI : SBIMF Investor Service Desk, C/o SBI, Post Box No.7, 1st Floor, Keshwapur, Hubli–580 023 Tel.: (0836) 2368477 / 09900136273 JALANDHAR : SBIMF Investors Service Desk,C /O State Bank Of India, Main Branch Jalandhar Tel.: 09855669498 JAMNAGAR : SBIMF Investors Service Desk, C/O SBI Main Branch, New Super Market, Jamnagar Tel.: 09979869990 JAMMU : SBIMF Investors Service Desk, C/O State Bank of India, Zonal Office, 2nd Floor, Ansari, Bahu Plaza, Gandhi Nagar Jammu Tawi-180001 Tel.: (0191) 2474975 / 09419190803 JAMSHEDPUR : SBIMF Investors Service Desk, C/o SBI Bistupur, Jamshedpur–831001 Tel.: (0657) 2440446 /09835367720 JODHPUR : SBIMF Investors Service Desk,State Bank 0f India E-4, Suvidha Complex (Gound Floor), Shastri Nagar, Jodhpur Tel.: 09929098355 KOLHAPUR : SBIMFInvestor Service Desk, 3rd Floor, Ayodhya Towers, Station Road, Kolhapur-416 001 Tel.: 09822243954 KOTA : SBIMF Investor Service Desk, SBI Main Branch, Chawani Choraha, Kota - 324 005 Tel.: (0744) 2390631 / 09829067358 MADURAI : SBIMF Investors Service Desk, Ist Floor Suriya Towers, 273, Goodshed Street, Madurai-625001 Tel.: (0452) 4374242 / 98940 09779 MANGALORE : SBIMF Investors Service Desk, C/o State Bank Of India - Arya Samaj Road Branch, Balmatta, Mangalore - 575003, Karnataka Tel.: (0824) 2445892 / 98802 72463 MORADABAD : SBIMF Investor Service Desk, C/o SBI Main Branch, Civil Lines, Moradabad-244001 Tel.: (0591) 2411411 / 09719004343 MYSORE : SBIMF Investor Service Desk, Mothikhana Building, 1st Floor, New Sayyaji Rao Road, Mysore 570024 Tel.: (0821) 4242919 /09900150919 NASIK : SBIMF Investors Service Desk, SBI SPBB Branch, Plot No.56 Thatte wadi, Off College Road, Opp. Vadnagare Showroom, Nashik - 422 005 Tel.: (0253) 3204124 / 09823310253 PANIPAT : SBIMF Investors Service Desk,C / O State Bank of India , G T Road Panipat Tel.: 09896152400 RAIPUR : SBIMF Investor Service Desk, C/o. SBI Main Branch, Jaisthambh Chowk, Raipur Tel.: (0771) 2543322 / 2543355 RAJKOT : SBIMF Investors Service Desk, C/o SBI Rajkot Main Branch, 1st Floor, Jawahar Road, Rajkot - 360 001 Tel.: (0281) 2239437 / 09825504876 ROURKELA : SBIMF Investor Service Desk, SBI-Rourkela Main Branch, BISRA Chowk, Rourkela Tel.: 09338185686 SHIMLA : SBIMF Investor Service Desk, c/o State Bank of India, Near Kali Bari Temple, New Bulding , First Floor, Shimla Tel: (0177) 2807608/0941800-8799 TRICHY : SBIMF Investor Service Desk, State Bank of India, MICR Branch, Asha Arcade, 73,Promenade Road, Cantonment, Trichy-620001 Tel.: (0431) 4000667/09944441119 THIRUVANANTHAPURAM : SBIMF Investor Service Desk, Ground Floor, SBI Zonal Office, LMS Compound, Vikas Bhavan P O, Thiruvananthapuram–695033 Tel.: (0471) 6457051 / 6457073 / 098953 64543 TIRUPATHI : SBIMF Investor Service Desk, SBI Zonal office, Ground Floor, Renugunta Rd,Tirupathi - 517501 Tel.: (0877) 6450828 / 9849319919.VISHAKHAPATNAM : SBIMF Investor Service Desk, C/o.SBI Main Branch, 1st Floor, Kancharla Paradise, Near Rednam Garden, Vishakhapatnam- 530 020, Tel.: (0891) 3293018, 09848411546 COLLECTION BANKS STATE BANK OF INDIA AHMEDABAD MAIN BRANCH: Post Box No.-182 Tel: 25506771/25506800/25506844 ALAPPUZHA: P.B.No.1, Beach Road Tel: 04772251338/2251235/2263872 AMRITSAR: P .B.No. 22 Tel: 0183-2533554/2531400/2555248 BANGALORE MAIN BRANCH: Post Bag No.5310, State Bank Road Tel: 080-22212738 BARODA: Mandir Tel: 0265-2561089/2560648 BHOPAL MAIN BRANCH: T.T.Nagar Tel: 0755-428860106 CALICUT: P No.9 Tel: 0495-2721049/2722271/2721224 CHANDIGARH MAIN BRANCH: Sector-17 Tel: 0172-704584/702238/702820 .B. CHENNAI MAIN BRANCH: 22,Rajaji Salai Tel: 044-25227371/25220141 COIMBATORE: Bank Road, Post Box No.3860 Tel: 0422-2300041/ 2301261 ERNAKULAM: K.T.D.C. Shopping Complex, PB NO.1158 Tel: 0484-2380184/2368867/2366026 GUWAHATI MAIN BRANCH: Post.bag No.36 Tel: 0361-2543576/2540634 HYDERABAD MAIN BRANCH: Post Box No.10,Bank Street Tel: 040-24755062-68 INDORE: Tel: 075522703548/22702736 JABALPUR: P.B.No.16 Tel: 0761-2322489/2323616 JAIPUR: P .B.No.72, Sanganeri Gate JALANDHAR: Civil Lines, P .B.No.1 Tel: 0181-259541/2224005/2224474 JAMSHEDPUR: Tel: 0657-2246596/2426596 JODHPUR: Post Bag No.622, Kutcherry P .O.Tel: 0291-2545090 KANNUR: P .B.No.5, Fort Road Tel: 0497-2702456/2707576/2707911 KANPUR MAIN BRANCH: P.B.No.17,M.G. Marg Tel: 0512-2304091/2304145/2365042 CALCUTTA MAIN BRANCH: 1,Strand Road Tel: 22435604,22436928,22488599/770 LUCKNOW MAIN BRANCH: Moti Mahal Marg, Hazrat Ganj Tel: 0522-2230114/2229812/2282935 LUDHIANA: P.B.No.4 MANGALORE: P.B.No. 90, Port Road Tel: 0824-2420984 MUMBAI MAIN BRANCH: Mumbai Samachar Marg Tel: 022-22661765/22631470/22661301 NAGPUR: Link Office Kingsway Tel: 0712-2557033/2528197/2561345 NEW DELHI MAIN BRANCH: 11, Sansad Marg Tel: 3747517 PATNA MAIN BRANCH: P .B.No.46, West Gandhi Maidan Tel: 0612-2210183/2223085/2234782 PUNE MAIN BRANCH: P.B. No. 6 Tel: 020-26134824/26113461/ 26053610 THIRUVALLA (BANK OF COCHIN): P .B.No.28, M.C.Road Tel: 0473-2636669/2630877/2601146 THIRUVANANTHAPURAM: P .B.No.14, M.G.Road Tel: 0471-2460728 VIJAYAVADA: P .B.No.2, 1-Town, B.R.P.Road Tel: 0866-2425881/2422048/2423435 CITI BANK AHMEDABAD : (C.G Road, Near Panchvati Circle), AURANGABAD : (CTS No 498, Nirala Bazaar), BANGALORE : (30 Mahatma Gandhi Road), BHOPAL : (133, Zone 1, M P Nagar), BHUBANESHWAR : (Unit 3, 98 Janpath Station Square), CHANDIGARH : (Sector 9C, Madhya Marg), CHENNAI : (GTS, 3rd Flr, No.2 Club House Road), COIMBATORE : (657 Avinashi Road ), HYDERABAD : (Road No 6-3879,Greenlands Road), INDORE : (7/2 Race Course Road,Opp Narayan Kothi), JAIPUR : (Bhagwati Bhawan,MI Road), JALANDHAR : (GT Road), KOCHI : (M G Road, Padma Junction), KOLKATA : (Kanak 41, Chowringhee Road), LUCKNOW : (17/1 Ashok Marg), LUDHIANA : (Ludhiana Stock Exchange, Ground Flr, Feroze Gandhi market), MUMBAI : (Bombay Mutual Bldg, Fort), NASIK : (Rishuraj Presidency,College Road), NEW DELHI : (Connaught Circus), PONDICHERY : (No.22,Rue Bussy St,Lal Bahadur Shastri St), PUNE : (2413 East Street,Camp), SURAT : (Ghoddod Rd., Opp. Kakadia Complex), VADODARA : (Opposite Race Course Towers,Gotri Rd), VAPI : (Vapi-Daman Road;Chala) HDFC BANK LIMITED AGRA : (Shop No F3,F3-A, 1st Floor, Friend’s Plaza, Sanjay Place); AHMEDABAD : (HDFC Bank House, Near Mithakali Six Roads); AHMEDNAGAR : (Amber Plaza ,Station Road, Opp Adcc Bank Sahakar Gruh); AJMER : (AMC No - 13/10 & 14/10, Near Suchma Kendra, Adajcent To Swami Complex); AKOLA : (Sethi Heights, Opp To Collector Office, Z P Road); ALIGARH : (3-316 Ramghat Road, Near Devi Tray Hospital); ALLAHABAD : (54/1 S.P. Marg Civil Lines); ALWAR : (Bhagat Singh Circle, Road No 2); AMBALA : (Shingar Palace Complex, Nicholson Road); AMRAVATI : (C/O Rasik Plaza, Jaistambh Chowk, Morshi Road); AMRELI : (2 Manekpura, Station Road); AMRITSAR : (1st Floor, R.s Towers, Hall Bazar); ANAND : (1st Floor, Sanket Towers, Opp Anand Arts College, Grid Road); ANKLESHWAR : (Commercial Plot - 73 / P ,, GIDC Estate ,S A Motors Building); ASANSOL : (CMS Dept, P C Chatterjee Market, G.T Road, Rambhandu Tala); AURANGABAD : (Shivani Chambers, Manjeet Nagar, Jalna Road, Opp Akashwani); BALASORE : (C/O Bharat Motors, F.m Circle); BANGALORE : (No 8 / 24 Salco Centre, Richmond Road); BARDOLI : (Shree Ambika Niketan Temple, Shree Ambika Niketan Temple); BARIELLY : (154, Krishna Palace, Civil Lines); BARODA : (5th Floor, Midway Heights, Next To Panchmukhi Hanuman Temple, Lokmanya Tilak Road ,Kirti Mandir ,Near Kala Ghoda, Raopura Baroda - 390 001); BEGUSARAI : (Kachari Chowk,); BELGAUM : (3rd Floor, Khimjibhai Complex,); BHAGALPUR : (Khalifa Bagh Chowk ,, Triveni Apartments, Dr R P Road); BHARUCH : (Near Octroi Naka Link Road, Near Octroi Naka, Link Road); BHATINDA : (3027 - B Guru Kanshi Marg,); BHAVNAGAR : (1st Floor, Gopi Arcade, Opp Takhteshwar Post Office, Waghawadi Road); BHILAI : (Chauhan Estate, G.e Road, Supela); BHILWARA : (2-3-4, S.k Plaza Complex, Pur Road); BHIWADI : (Sp 54 Ashiana Arcade, Riico Industrial Area); BHOPAL : (E - 1/57, Arera Colony,); BHUBANESHWAR : (Junction Of Janpath & Gandhi Marg, Hotal Jajati Complex, Kharvelanagar, Unit - Iii, Master Canteen Square); BHUJ : (101 & 102 Sunrise Tower, 11 - Vijaynagar Society, Hospital Road); BHUSAVAL : (Mansingh Complex, C.t.s No 3294, H No 4 / 285, Jamner Road, Opposite CSM Complex); BOKARO : (B-9 City Centre, Sector Iv, B - 9, City Center, Sector Iv, Bokaro Steel City); BURDWAN : (45 G.T Road, Birhata); CALICUT : (Malabar Palace, G.h Road); CHALAKUDY : (Police Station Road,); CHANDIGARH : (Sco 371/372, Sector 35 - B); CHANGANACHERRY : (Cms Dept, Golden Tower, Golden Tower, M C Road, Vezhakattiuchira); CHENGANNUR : (Govt Hospital Junction,); CHENNAI : (Mariam Centre, Ground Floor, 751 B, Anna Salai); COCHIN : (1st Floor, Sl Plaza, Palarivattom); COIMBATORE : (1635 Classic Tower, Trichy Road); CURCHOREM : (CMS Dept, Mopkar Chamunda, Ground Floor ,Near Post Office, Curchorem Sanguem Road); CUTTACK : (Bajrakbati Road,); DAHANU : (Matruashish Building, Irani Road, Dahanu Road); DAMAN : (Arc Shopping Mall, Dilip Nagar, Teen Batti); DAVANGERE : (No 621, Bhm Enclave, Binny Co Road, Mandipet); DEHRADUN : (56, Rajpur Road, Uttaranchal); DELHI : (Figops, Ist Floor, Kailash Building, 26 K G Marg); DHANBAD : (Sri Ram Plaza, 1st Floor, Bank More Dhanbad); DHARAMSALA : (363 / 6 Centre Point, Civil Lines); DHULE : (Lane No 6, Mundada Arcade, Parola Road); DURGAPUR : (A102 & 103, City Centre, Bengal Shristi Complex, City Center, Durgapur Road); ERODE : (456 Brough Road,); FEROZEPUR : (Cms Dept, Building 307 / 7, The Mall, Ferozpur City); GANDHIDHAM : (Plot No 1, Sector 8, Rabindranath Tagore Road, Near Gpo); GAYA : (Near Ganta Ghar, K.p Road); GONDAL : (Ground And First Floor, College Chowk, Next To Central Bank Of India); GORAKHPUR : (Cms Dept, Prahlad Rai Trade Centre, Ayodhya Crossing, Bank Road); GUNTUR : (87-90, Main Road, Lakshmipuram); GURDASPUR : (Cms Dept, Scf-1& 2 Shopping Complex,, Improvement Trust Market, Hanuman Chowk); GUWAHATI : (Fancy Bazar Branch - Wbo, Mishra Complex Jail Road); GWALIOR : (Block G1, Plot No . 43, Anand Deep Building ,City Centre); HAJIPUR : (Vimal Complex, Dak Banglow Complex, Opp T V S Showroom); HALDWANI : (8/6, Nainital Road, Bhotia Prao); HAZARIBAGH : (Annada Chowk, Guru Gobind Singh Road); HIMATNAGAR : (G.f Shop No 5-8 & First Floor 4 - 9, Kumar House, Durga Oil Mill Compound); HISAR : (Sco 170 A Commercial Building, Red Square Market, Station Road); HOSHIRAPUR : (Sco 1-2-3, Scheme No 11, Improvement Trust Market Chandigarh Road); HOSUR : (No. 24 & 25, Maruthi Nagar, Near Dharga, Sipcot Po); HUBLI : (T B Revankar Complex, Vivekanand Hospital Road); HYDERABAD : (6-1-73 3rd Floor Saeed Plaza, Lakadikapaul); ICHALKARANJI : (House No 7 - 55, Main Road, Janata Chowk); INDORE : (3rd Floor, 9/1a, U.v.house, South Tukonj); IRINJALAKUDA : (Ushus Complex, Main Road West Tana Po); JABALPUR : (1702, Naiper Town, Model ROAD); JAGRAON : (368 B, Kapoor Building, Tehsil Road); JAIPUR : (1st Floor ,O - 10, Ashok Marg, Ahimsa Circle, C Scheme); JALANDHAR : (911, Near Narinder Cinema, G T Road); JALGAON : (Plot No 134 / 135, DSP Chowk, Facing Mahal Road); JAMMU : (CB 13, Railhead Complex, Gandhi Nagar, Jammu Tawi); JAMNAGAR : (Plot No 6, Park Colony, St Ann’s School, Bedi Bunder Road); JAMSHEDPUR : (C/O Mithila Motors Ltd, Near Ram Mandir, Bistupur); JHANSI : (Damroo Cinema Complex, Civil Lines); JODHPUR : (Plot No 57 / B, 9th Chopasani Road); JUNAGADH : (Moti Palace, Ground Floor, Opp Raijinagar); KADI : (Radhaswami Complex ,R.s No 242,, Nr N.c. Desai Petrol Pump, Highway Char Rastha); KALYANI : (B-7/40 & 41(s) Central Avenue West ,Central Park, B-7/40 & 41(s),Central Avenue West, Central Park); KANNUR : (Cms Dept, K V R Towers, South Bazar Road,); KANPUR : (Navin Market Branch, 15/46 Civil Lines); KAPURTHALA : (Mgn School, Mall Road); KARAD : (Near Hotel Sangam, Pune Bangalore Highway); KARNAL : (SCO 778-779, Opp Mahabir Dal Hospital, Kanjpura Road); KARUR : (126 / D / E, Anna Plaza, Kovai Road); KHANNA : (Opp Bus Stand, G.t Road); KOLHAPUR : (Gem Stone, Raosaheb Vichare Complex, 517, E Ward, New Shahupuri, Near Central Bus Stand And Parikh Pool); KOLKATA : (Abhilasha Ii ,6, 1st Floor, 6 Royd Street); KOTA : (Show Room No 13 - 14, Main Jhalawar Road); KOTTAYAM : (Unity Building, Opp Midc Centre, K K Road); KURUKSHETRA : (CMS Dept, Shop No 1 To 5, Kalawati Market, Railway Road); LATUR : (Shri Prabha Arcade, Shop No 3-6, M.G Road, Near Nagar Parishad, Opp Town Hall); LUCKNOW : (Pranay Tower,Darbari Lal Sharma Marg, Beside Pratibha Cinema); LUDHIANA : (CMS Dept, 5th Floor, Mall Road); MADURAI : (7 - A, West Veli Street, Opp Railway Station); MANDI GOBINDGARH : (Hukum Chand Bansal Building, Main Post Office Roda); MANGALORE : (M.n Towers, Kadri); MANJERI : (Cms Dept ,Kurikal Plaza, Bldg #20/1245 Kacheripady, Malapurram Road); MAPUCA : (S 1 / 2 Ground Floor, Cosmos Towers, Near Govt Bldg Complex); MARGOA : (Ranghavi Building ,Opp Municipality Garden, Dr George Barette Road); MATHURA : (Cms Dept, Ops Bsa College, Gaushala Raod); MEERUT : (381 Western Kachery Road); MEHSANA : (Prabhu Complex, Near Raj Kamal Petrol Pump, Abhu Highway); MOGA : (G.T Road, Opp D.C Office); MORADABAD : (Chaddha Shopping Complex, Gmd Road); MORVI : (Om Shopping Center, Revapur Main Road); MUMBAI : (Maneckjiwadia Building, Nanik Motwani Marg); MUZZAFARNAGAR : (53/4 -a Bhag Kambal Wala, Jansat Road, New Mandi); MUZZAFARPUR : (Above Maruti Showroom, Choti Saria Ganj); MYSORE : (Mythiri Arcade, 1st Main, Saraswathipuram); NABHA : (SCO 14-15, Patiala Gate); NADIAD : (Shoot Out Building, Nadiad Ice Factory Compound, College Road); NAGPUR : (303 & 304 3rdfloor, Wardh Road, 12, Milestone, Near Lokmat Square,); NASIK : (Archit Centre, 3rd Floor, Chandak Circle Link Road, Opp Sandeep Hotel, Near Mahamarg Bus Stand); NAVSARI : (Nandini Complex, Ground Floor, Station Road, Sandh Kuva); NAWANSHAHAR : (B 1 / 48, Banga Road); NELLORE : (G.t Road,); PALAKKAD : (8 / 246, Chandra Nagar); PALANPUR : (Parth Complex, Near Cozy Tower, Opp Joravar Palace); PANIPAT : (801 / 4, G.t Road,); PANJIM : (Swami Vivekanand Road, 301, Milroc Lar Menezes,Opp Gomantak Maratha Samaz); PATHANAMTHITTA : (Cms Dept, Aban Arcade Ward # 9/1128, Pathanathitta-kumbazha Road); PATIALA : (S.C.O 70 - 73, Leela Bhawan Market,); PATNA : (Rajendra Ram Plaza, Exhibition Road); PERINTHALMANNA : (Calicut Road, Perinthalmanna, Malappura Dist); PHAGWARA : (Kalra Road, Opp Hanuman Garhi Mandir, G.t Road); PONDA : (Royal Chambers, GD1 -gd4, Tisk); PONDICHERRY : (TS No 6, 100 Feet Road, Ellaipillaichavady); PORBANDAR : (Om Shiv Sakthi, R D Chamber); PUNE : (5 Th Floor Millennium Tower, Bhandarkar ROAD, SHIVAJI NAGAR); QUILON : (VGP Buildings, Door No Xvi / 1539 (1320a), Vadakumbhagom Ward, Irumpupalam); RAIPUR : (Chawla Complex, Near Vanijya Bhawan, Sai Nagar, Devendra Nagar Road); RAJAMUNDRY : (H. NO : 46-17-20, Main Road, Danavaipet); RAJAPALAYAM : (No 251, Thenkasi Road, Kadambankulam); RAJKOT : (Opp Alfred High School, 2nd Floor, Panchratna Bldg, Jawahar Road); RAJPURA : (11 - 12 Block B, Chandigarh Patiala Road); RANCHI : (Rohini 1st Floor, 56 Circular Road); RANIGANJ : (NSB Road, Plot No 408); RATLAM : (90, Station Road,); REWARI : (L203. Old Court Road, Model Town); RISHIKESH : (M No 53, M J Mall, Railway Road); ROHATAK : (401 -402, D Park, Model Town, Main Delhi Road); ROORKEE : (313 / 8, Civil Lines); ROPAR : (Sohana Chandigarh Rd, College Road); ROURKELA : (Bisra Road, Dwivedi Bhawan, Dwivedi Square); RUDRAPUR : (Plot No1&2,Nanital Road, Plot No1&2,Nanital Road); SAHARANPUR : (Mission Compound, Court Road, Adjoining Top Shop); SALEM : (5 / 241 - F, Rathna Arcade, Omalur Main Road); SAMBALPUR : (Nayapara, Golbazar Chowk); SANGAMNER : (Shop No 1, Janak Plaza, Opposite Kubera Sankul, New Nagar Road); SANGLI : (640, Venkatesh Senate, Miraj Road); SANGRUR : (Shop No. 1-2-3 Kaula Park Market, Shop No. 1-2-3 Kaula Park Market); SHILLONG : (Police Bazar); SHIMLA : (Jankidas Building,, 3, The Mall); SILIGURI : (3 No, Ramkrishna Samity Building, Sevoke Road, Pani Tanki More); SILVASSA : (1-16 Jaypee House, Opp Patel Petrol Pump, Vapi Silvassa Road); SOLAN : (Anand Bhavan, Near Dc Office, Rajgarh Road); SOLAPUR : (Sun Plaza, 1st Floor, 8516 / 11, Murarji Peth, Lucky Chowk); SRINAGAR : (M.S Shopping Mall, Residency Road); SURAT : (7th Floor, Kashi Plaza, Next To Dr Bipin Desai Children Hospital, Majura Gate); SURENDRANAGAR : (Middle Point, Near Milan Cinema); THALASSERY : (Avk Nair Road,); THENI : (No 422 - A, Periyakulam Road, Opposite Convent, Theni Allinagaram); THIRUVALLA : (Illampallil Buildings, 26/149(1&2), MC Road); TIRUNELVELI : (12,13 Trivandrum High Road, Vannarpet, Palayamkottai); TIRUPATHI : (H.no 10 - 14 - 575 / A3, Mosque Road, V.V Mahal Road); TIRUPUR : (160 ,Chidambaram Complex, Kumaran Road); TRICHUR : (Global Centre, M G Road); TRICHY : (A - 10, Lakshmi Arcade, 11th Cross Main Road, Thillainagar); TRIVANDRUM : (Kenton Towers, Vazhuthacaud); UDAIPUR : (358 Post Office Road, Chetak Circle, Adjacent To Chetak Cinema); UDUPI : (Panduran Towers, Court Road, Diana Circle); UNJHA : (Suvidhi Complex, 1 St Floor, Nr. Radha Krishna Temple,, Station Road); VALSAD : (1st Floor ,Ekta Appt, Near R J J High School, Thithal Road); VAPI : (Lower Ground, Emperor Arcade, Chala Road); VARANASI : (D 58 / 2 Kuber Complex, Rathyatra Crossing); VASCO : (Ground Floor, Damodar Building, Swatantra Path); VELLORE : (No 73, Officers Line, Krishna Nagar); VERAVAL : (Amrutdeep, Opp Public Garden, Rajamahal Road); VIJAYWADA : (40 - 1 -48 / 2, M.g Road, Labbipet); VISHAKAPATNAM : (1st Floor, Poduri Castle, Above Rayomond Showroom Dwarka Nagar); WARANGAL : (No 1-8-605 / 1 Nakkalgutta, Hanamkonda); YAMUNAGAR : (103, Model Town, Nehru Park Road). KOTAK MAHINDRA BANK LIMITED AGRA : (Shriram Hospital, MG Road), AHMEDABAD : (Ashram Road), ALLAHABAD : (Civil Lines), AMRITSER : (The Main Mall Road), ANAND : (P.M.Chambers Mota Bazar), ANKLESHWAR : (11- 12 Shree Narmada Arcade, Old National Highway), BANGALORE : (Next to Chancery Hotel, Lavelle Road), BARDOLI : (Pitru Chaya, Station Road), BARODA : (Panorama Building, R.C.Dutta Road,), BHARUCH : (Yash Kamal Complex, Linking Road Crossing), BHAVNAGAR : (Bhavna Construction Company, G.R.Sterling Centre, Waghwadi Road, Bhavnagar), BHOPAL : (214, Bhagwan Complex, Zone 1, M P Nagar), BODELI : (Opp, ST Depot, Halol Road), CHANDIGARH : (SCO 153154-155 Sector 9-C, Madhya Marg), CHENNAI : (Ceebros Centre, 39, Montieth Road), COCHIN : (M.G. Road), COIMBATORE : (Avinashi Road), DEESA : (Shop no 63-66, Aditya Comple, Near Jalaram Mandir), GANDHIDHAM : (Sindhu - 1, SRC PLOT NO 309, Gandhidham), GUWAHATI : (Ganapati Enclave, G S Road, Opp. Bura Service Station), HIMATNAGAR : (Dodiya House, Opp. Government Godown, Nr.Civil Circle), HYDERABAD : (Pavani Jewel Tower, Somajiguda), INDORE : (M.G.Road), JAIPUR : (Krishna Tower, 57, Sardar Patel Marg), JALANDHAR : ( MIDAS Corporate Park, G.T.Road), JODHPUR: (Bombay Motor Building, Bombay Motor Circle, 87/B-2, Chopasani Road), KADI : (2, Kunal Complex, Opp. J.K Petrol Pump), KANPUR : (The Mall, Meghdoot Hotel Building), KAPURTHALA : (Simi Plaza Plot No 51, Mall Road), KOLKATA : (Apeejay House 15, Park Street), KOTTAYAM : (Cherukara Towers, Collectorate), LUCKNOW : (Speed Building 3rd Shahjanaf Road), LUDHIANA : (Feroze Gandhi Market), MADURAI : (West Perumal Maistry Street), MEHSANA : (State Highway), MORADABAD: (Sri Ganapati Complex, Civil Lines), MORBI : (Silver Plaza Ram Chowk, Savsar Plot,), MUMBAI : (Mittal Court, 224, Nariman Point), NAGPUR : (Shri Mohini Complex,Kingsway ), NAMAKKAL : (SKK Complex, 9-1, A & B Mohanur Road), NAVSARI. : (Paradise Tower, Station Road), NEW DELHI : (Ambadeep, 14, K.G. Marg), PANJIM : (Hotel Park Plaza, Opp. Azad Maidan), PATNA : (Exhibition Road, P.S.–Gandhi Maidan, ), PHAGWARA : (G T Road), PUNE : (Bakre Avenue, Bhandarkar Road), RAIPUR : (Civil Lines, Opp Raj Bhavan), RAJKOT : (Nath Complex, Ground Floor, Near Race Course, Dr. Yagnik Road), RAJPURA : (D9, D-10 Caliber Market, Patiala Road), SALEM: (Bharathi Street, Alagapuram), SANKARI : (17-New Edappadi Road, Sankari ), SILVASSA: (Rohan Avenue, Silvassa- Vapi Main Road), SURAT : (Megh Mayur Plaza, Surat Dumas Road), SURENDRANAGAR : (Pranav Complex, Nr.Old Vijay Transport, Bus Stand Road), TIRUPUR : (Park Avenue, Avinashi Road), TRICHY: (B-17,Aishwaryam Building, Sasthiri Road, Thillai Nagar), UNJHA : (Opp AMC Building, Ganj Bazar), VALSAD : (Sai keval, Jalaram Road), VAPI : (Mahalaxmi Society,Chala, VapiDaman Road), VARANASI : (Spice KCM Cineplex Complex), VIJAYAWADA : (40-1-48/1, M.G.Road, Labbipet), VISNAGAR : (Rajkamal Complex, Near Railway Station) AXIS BANK LIMITED AGARTALA: (Banik Tower, HG Basak Road); AGRA: (Ground Floor, Block No.41/4A); AHMEDABAD: (‘Trishul’, Opposite Samartheshwar Temple); AHMEDNAGAR: (Hotel Sanket Complex); AIZAWL: (House No. A/69/A, Chanmari); AJMER: (AMC No.481-485/10,Kutchery Road); ALIGARH: (Omji Complex, Ramghat Road ); ALLAHABAD: (28B, Civil Station); AMBALA: (LIC Office, Ambala Cantonment); AMRAVATI: (Ground Floor, Gulshan Tower); AMRELI: (Om Nagnath Complex); AMRITSAR: (29, Kennedy Avenue, Court Road); ANANTAPUR: (No.1946, Nithin Complex); ASANSOL: (Purbasha Banquet Hall, Apurba Complex, Apcar); ATUL: (Quarter No. Ao/5); AURANGABAD: (‘Sakar Building’); BALLABGARH: (Plot No.40, SCO, Sector 7); BANGALORE: (No. 9, M. G. Road); BARAMATI: (Plot No.485,’Guddi’ Building); BAREILLY: (148, Civil Lines,); BELGAUM: (CTS No. 5854, Congress Road); BERHAMPUR (GANJAM): (Time World, Plot No. 1195); BHAGALPUR: (34, Patal Babu Road); BHARUCH: (Shri S’Ad Vidya Mandal Institute of Technology); BHAVNAGAR: (Plot No.6 B Opposite Dakshinamurthy School); BHILAI: (Block A, Plot No. 5 Utttar Gangotri); BHILWARA: (Ganpati Enclave, Heera Panna Campus); BHOPAL: (Star Arcade, Plot No.165 A & 166); BHUBANESHWAR: (C/o. Archbishop’s House); BIKANER: (Shree Gaurav Complex, Daga Maidan); BILASPUR: (Rama Trade Centre); BOKARO: (Hotel Blue Diamond, Ground Floor); CALICUT (KOZHIKODE): (“Karupalli Arcade”); CHANDIGARH: (SCO 343-344,); CHENNAI: (82, Dr.Radhakrishnan Salai); COCHIN (KOCHI): (41/419, Ground Floor); COIMBATORE: (Vigneswar Cresta, No.1095, Avinashi Road); CUTTACK: (Jayashree Plaza,); DARJEELING: (Maryland Resorts Ltd., Rink Mall); DAVANAGERE: (No. 821, Renuka Extension); DEHRADUN: (56, Raipur Road); DEWAS: (LIC of India, Dewas); DHANBAD: (Shri Ram Plaza, ); DIMAPUR: (Circular Road, Near City Tower); DURGAPUR: (No. 101/N, Sahid Khudiram Sarani); ERODE: (R.S. No. 418/ 2, Adjoining Sudha Nursing Home); FAIZABAD: (Plot No. 2/1/6, Opposite Circuit House); FARIDKOT: (B-VI/65, Circular Road); FEROZEPUR: (ES-30/3, Harji Niwas); GANDHIDHAM: (Plot No.349, Sector 12/B); GANGTOK: (New Market, M.G. Road, Opp. Hotel Tashe Delek); GHAZIABAD: (Plot No. III, N/30); GORAKHPUR: (Plot No. 560, Mohalla Purdilpur); GUNTUR: (1St Floor, P. R. Raju Plaza, 11-1-1); GURGAON: (SCO-29, Sector-14, Near HUDA Office); GUWAHATI: (Ground Floor, Chibber House); GWALIOR: (Ground Floor, Kanwal Complex, Shrimant Madhavrao); HARIDWAR: (6, Hari Nagar, Opposite Hotel Classic Residency); HISSAR: (SCO No. 177); HUBLI: (Kalburgi Plaza); HYDERABAD: (6-3-879/B, G. Pulla Reddy Bldg.); INDORE: (Kamal Palace); ITANAGAR: (Teli Plaza, Near MLA Cottage); JABALPUR: (124, Napier Town); JAIPUR: (O-15, Green House); JALGAON: (Patel Plaza,); JALLANDAR (JALANDHAR): (50, Badri Dass Colony, Mahavir Marg); JALNA: (Head Post Office Road); JALPAIGURI: (A C College Of Commerce, Jalpaiguri); JAMMU: (Ground Floor, Highland Tower); JAMNAGAR: (Matru Ashish); JAMSHEDPUR: (Voltas House); JHANSI: (City Plaza Building); JODHPUR: (Showroom No.4); KANNUR (CANNANORE): (Peekay Commercial Complex, Nr. Pothery Nursing Home); KANPUR: (18/179, The Mall, Opp Phool Bagh); KAPURTHALA: (1St Floor, Nanha Complex, Mall Road); KARIMNAGAR: (Business Towers, Mukarrumpura); KOLHAPUR: (Ground Floor); KOLKATA: (Ground & First Floors); KOLLAM (QUILON): (Vaidya Commercial Arcade); KOTA: (414, Shopping Centre); KOTTAYAM: (No.IX - 311, A/ 2); KRISHNANAGAR (WB): (12, M.M. Ghosh Street); KURNOOL: (40/581, S.V. Complex); LUCKNOW: (Halwasiya House); LUDHIANA: (Shop No.3, LGF); MADURAI: (Door No. 4); MALDA: (Malda Muslim Institute ); MALOUT: (Khasra No.1792, Khatouni No.960); MANGALORE: (Essel Towers, Bunts Hostel Circle); MAPUSA: (Edean Center ); MARGAO: (Shop No. 1, 2,3); MEERUT: (Hotel Crystal Plaza); MEHSANA: (Shop No. 1 To 5 (Ground Floor)); MOHALI: (SCF 113 & SCF 114); MORADABAD: (No.8/10/6, Sarai Khalsa); MUMBAI: (Universal Insurance Bldg.); MUSSOORIE: (Garhwal Mandal Vihas Nigam Ltd (Gmvn)); MUZAFFARPUR: (RD Complex, Club Road); MYSORE: (Haripriya Complex, Temple Road); NADIAD: (Sheth Mahagujarat Hospital); NAGERCOIL: (Thayammal Harris Towers); NAGPUR: (1St Floor, Sanskrutik Sankul); NANDED: (“Nikhil Heights”); NASIK: (Malpani Pride, Behind Raymond Retail Shop); NAVSARI: (Building ‘A’, Prem Anand Co-op Housing Society Ltd.); NELLORE: (Door No.22/1223/A-1, G T Road, Near Rtc Depot); NEW DELHI: (“Statesman House”); NOIDA: (B2-B3, Sector 16); PANIPAT: (515-515B, Ward No. 8); PANJIM: (Atmaram Commercial Complex, Dr. Atmaram); PANVEL: (Rajje Complex, Plot No 198 A); PATAN: (Shridev Complex); PATHANAMTHITTA: (Kunnithottathil Plaza); PATIALA: (4464/5, Rajwara Road); PATNA: (Saket Towers, S.P. Verma Road); PONDICHERRY: (No.164); PORBANDAR: (Building of P H Wadia & Sons); PUNE: (Sterling Plaza, Plot No.1262/B); RAIPUR: (Opp. New Bus Stand, Jeevan Bima Marg); RAJAHMUNDRY: (D. No. 7-27-8); RAJKOT: (Aradhana, Nr. Bank of Baroda); RANCHI: (No. 4, 5 A, 5B, Ward No. 15, Ground Floor ); RATNAGIRI: (Ground Floor, Hotel Vihar Deluxe); RISHIKESH: (Bharat Bazaar, 16, Adarsh Gram); ROHTAK: (Shop No. 1,); ROORKEE: (343/29, Civil Lines); ROURKELA: (Ground Floor, Mangal Kunj); SALEM: (Door No. 115-1A, Sharptronics Shopping Complex); SANGLI: (City Survey No. 32/ A); SATARA: (Abanjani, S No. 257); SATNA: (Upper Ground Floor); SHILLONG: (O.B. Shopping Mallm, Police Bazar Junction); SHIMLA: (Gf/Ff, Durga Cottage); SHIMOGA: (G.R. Prabhu Arcade); SILCHAR: (“Chowchakra Complex”); SILIGURI: (Spectrum House); SIVAKASI: (# 64, N R K R, Rajarathnam Street); SOLAPUR: (Ground Floor, Kanale Kalyan Mandap, Dufferin Chowk); SURAT: (Digvijay Towers); SURENDRANAGAR: (Ajmera Chambers, S. T. Road); THIRUVANANTHAPURAM (TRIVANDRUM): (2/2421, Condor Plaza); THRISSUR (TRICHUR): (City Centre); TIRUNELVELI: (12, East Car Street); TIRUPUR: (3, Court Street); TIRUVALLA: (1st Floor, Mar Thoma Building); TRICHY (TIRUCHIRAPALLI): (No.75 E/1, Salai Road); TUTICORIN: (“V.V.D. Mahaal”, 181); UDAIPUR: (151-152, Ground Floor); UJJAIN: (Ground Floor, Hotel Ashray); VADODARA: (Vardhaman Complex); VALLABH VIDYANAGAR (ANAND): (Shiv Shalin Complex); VALSAD: (Shop Nos. 1, 2 & 4, Halar Road); VAPI: (Hotel Fortune Galaxy Complex); VARANASI: (C-19/134, M-B, Ground & First Floor); VASCO: (Heritage, Ground Floor); VIJAYWADA: (Ground Floor, D No. 59A 1-7); VISHAKHAPATNAM (GAJUWAKA): (Arjun Arcade, NH5, Old Gajuwaka); YAVATMAL: (Ground Floor, Nagar Parishad Commercial Complex).