Birla Sun Life Capital Protection Oriented Fund - Series 2 (36 months)
A Close ended Capital Protection Oriented Scheme
(PLEASE READ THE INSTRUCTIONS BEFORE FILLING UP THE FORM)
Offer of units of Rs. 10/- each for cash during the New Fund Offer
New Fund Offer Opens: 21st April, 2010 | New Fund Offer Closes: 21st May, 2010 Application No.
Distributor Name / ARN No.
Ref. Instruction No. 11
Sub Broker Name / No. Collection Centre CPO35000145
Upfront commission shall be paid directly by the investor to the AMFI registered distributors based on the investor's assessment of various factors including the service rendered by the distributor.
1. EXISTING UNIT HOLDER INFORMATION (Please fill in your Folio No. & Name and then proceed to Section 8) Applicable details and mode of holding will be as per the existing Folio No.
2. UNIT HOLDER INFORMATION (Refer Instruction No. 2) Fresh / New Investors fill in all the blocks. (2 to 13)
NAME OF FIRST / SOLE APPLICANT Mandatory
Mr. Ms. M/s. Date of Birth D D M M Y Y Y Y
NAME OF SECOND APPLICANT
Mr. Ms. M/s. MODE OF HOLDING [Please tick ( )]
NAME OF THIRD APPLICANT Joint Single
Mr. Ms. M/s. Anyone or Survivor (Default option is Anyone or survivor)
NAME OF THE GUARDIAN (In case of minor) / CONTACT PERSON - DESIGNATION / PoA HOLDER (In case of Non-individual Investors)
Mr. Ms. M/s.
MAILING ADDRESS OF FIRST / SOLE APPLICANT (P.O.Box Address is not sufficient. Please provide full address.) (Indian Address in case of NRIs/FIIs)
CITY STATE PIN CODE
CONTACT DETAILS OF FIRST / SOLE APPLICANT / CONTACT PERSON - DESIGNATION (In case of Non-individual Investors)
ISD CODE TEL: OFF. S T D -
Please ensure that you enter your
TEL: RESI. S T D - MOBILE phone number and email address
correctly. Here’s why:
ONLINE ACCESS** (this enables you to access your investment portfolio through our website - www.birlasunlife.com) Yes No [Please tick ( )]
• Keep an eye on your money: We will send you regular
updates on your investment status. • Early Bird
E-MAIL (Refer Instruction No. 8)
advantage: You’ll be the first to know about our new
products. • Go green: Stay free of paperwork.
Overseas Address (For NRIs/FIIs) (For NRI / FII application in addition to mailing address above)
COUNTRY PIN CODE
3. MANDATORY [Please tick ( )] (Refer Instruction No. 2, 3 & 10)
APPLICANT DETAILS PAN (Please attach proof) Know Your Client (KYC) STATUS
FIRST APPLICANT Proof KYC Complied Resident Individual Partnership Firm NRI - NRE
SECOND APPLICANT Proof KYC Complied HUF FIIs NRI - NRO
Body Corporate Club / Society PIO
THIRD APPLICANT Proof KYC Complied
Trust Minor Banks and FI
GUARDIAN / POA HOLDER Proof KYC Complied Others (Please Specify)
4. OCCUPATION [Please tick ( )]
Professional Housewife Business Service Retired Student Others (Please Specify)
5. COMMUNICATION [Please tick ( )] (Refer Instruction No. 8)
I/We wish to receive the following document(s) via E-mail instead of Physical mode Account Statement Annual Report Other Statutory Information
6. Documents Submitted [Please tick ( )] (Refer Instruction No. 2 (iv))
Board / Committee Resolution / Authority Letter Memorandum & Articles of Association Trust Deed Partnership Deed Bye-laws Overseas Auditor’s certificate
List of Authorised Signatories with names,designations & specimen signature
* The rating of “mfAAA (so)” is pronounced as “mf triple A S O”. The assigned rating is valid only for Birla Sun Life Capital Protection Oriented Fund - Series 2. The rating indicates highest degree of certainty for payment of face value of the mutual fund units
on maturity to the unit holders. The rating should, however, not be construed as an indication of expected returns, prospective performance of the Mutual Fund scheme, NAV or of volatility in its returns
ACKNOWLEDGEMENT SLIP (To be filled in by the Investor) APPLICATION FORM Birla Sun Life Capital Protection Oriented Fund - Series 2 (36 months) Application No.
Birla Sun Life Asset Management Company Limited
One India Bulls Centre, Tower 1, 17th floor, Jupiter Mill Compound, 841, S.B. Marg, Elphinstone Road, Mumbai - 400 013
Collection Centre /
Toll Free: 1800-270-7000 / 1800-22-7000 sms AIM to 56161 | Email: email@example.com BSLAMC Stamp & Signature
Received from Mr. / Ms. _____________________________________________________________________________ Date : _____/_____/___________
[Please tick ( )] ENCLOSED PAN Proof KYC Complied
7. BANK ACCOUNT DETAILS (Please note that as per SEBI Regulations it is mandatory for investors to provide their bank account details) Refer Instruction No. 3
Name of the Bank
Account Type [Please tick ( )] SAVINGS CURRENT NRE NRO FCNR OTHERS (please specify)
This is a 9 digit number next to your Cheque Number. Please attach an extra blank cancelled cheque or a clear
IFSC CODE MICR CODE photocopy of a cheque
City Pin Code
8. INVESTMENT DETAILS [Please tick ( )]
Birla Sun Life Capital Protection Oriented Fund - Series 2 (36 months) Growth
9. PAYMENT DETAILS Refer Instruction No. 4. (Please mention the application Serial number and the first applicant's name on the reverse of the Cheque /DD. Please ensure there is only one Cheque / DD submitted per application form ).
Mode of Payment [Please tick ( )] Cheque DD Cheque / DD should be drawn favouring "Birla Sun Life Capital Protection Oriented Fund - Series 2”
Investment Amount (Rs.)# DD Charges (Rs.)* Net Amount (Rs.)
Cheque/DD No. Dated D D M M Y Y Bank Name & Branch
*To be filled in by investors residing at the location, where the AMC Branches /Collection Bank centres are not located.
Minimum of Rs. 5,000/- and in multiples of Re. 10/- thereafter during the New Fund Offer period.
10. DEMAT ACCOUNT DETAILS Refer Instruction No. 9
Do you want units in demat form. [Please tick ( )] Yes No Please ensure that the sequence of names as mentioned in the application form matches with that of the A/c. held with the depository participant.
NATIONAL SECURITIES DEPOSITORY LTD. (NSDL) CENTRAL DEPOSITORY SERVICES (INDIA) LTD. (CDSL)
Depository Participant Name: __________________________________________________ Depository Participant Name: __________________________________________________
DPID No.: I N Benificiary A/c No.
Benificiary A/c No.
11. REDEMPTION REMITTANCE Please attach a copy of cancelled cheque Refer Instruction No. 7
I/We request you to activate RTGS/NEFT facility for my folio and remit the redemption proceeds through RTGS/NEFT (Refer instruction No. 12)
Direct Credit ## Cheque RTGS/NEFT IFSC CODE
It is the responsibility of the Investor to ensure the correctness of the IFSC code of the recipient/destination branch corresponding to the Bank details mentioned in
Auto Maturity Switch to Birla Sun Life Short Term Fund, Plan ______________________________ Option____________________________(Refer instruction No. 13)
First Applicant / Authorised Signatory Second Applicant Third Applicant
##Unitholders having bank account with ABN AMRO Bank, Citi Bank, Deutsche Bank, HDFC Bank, HSBC Bank, ICICI Bank, IDBI Bank, Standard Chartered Bank, Axis Bank, Kotak Mahindra Bank, Yes Bank, State Bank of
India, Punjab National Bank & Bank of Baroda will receive their Redemption Payments (if any) directly into their bank account.
12. NOMINATION DETAILS (Refer Instruction No. 6) In case of multiple nominees - more than 1 up to 3 - fill a separate nomination form available on our website (www.birlasunlife.com) or any of Birla Sun Life Mutual Fund branches
I/We do hereby nominate the undermentioned Nominee 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
settlements made to such Nominee (upon such documentation) shall be a valid discharge by the AMC / Mutual Fund / Trustees.
Nominee Name : _________________________________________________________________________________________________________ Date of Birth (in case of minor): _____ /_____ / _____________
Relationship : ____________________________ Guardian / Parent Name (in case of minor): _______________________________________________
Address : _______________________________________________________________________________________________________________
Signature of Nominee or Parent / Guardian
Witness Name: ___________________________________________________________ Address : ______________________________________
Signature of the Witness
I have attached the nomination details separately with this application form (Please tick if applicable)
13. DECLARATION(S) & SIGNATURE(S) (Refer Instruction No. 1 & 14)
Date D D M M Y Y Y Y
Birla Sun Life Mutual Fund
Having read and understood the contents of the Statement of Additional Information / Scheme Information Document of the Scheme, I/We hereby apply for units of the scheme
and agree to abide by the terms, conditions, rules and regulations governing the scheme. I/We hereby declare that the amount invested in the scheme is through legitimate First Applicant / Authorised Signatory
sources only and does not involve and is not designed for the purpose of the contravention of any Act, Rules, Regulations, Notifications or Directions of the provisions of the
Income Tax Act, Anti Money Laundering Laws, Anti Corruption Laws or any other applicable laws enacted by the government of India from time to time. I/We have understood
the details of the scheme & I/We have not received nor have been induced by any rebate or gifts, directly or indirectly in making this investment.
For NRIs only: I/We confirm that I am/We are Non Residents of Indian Nationality/Origin and that I/We have remitted funds from abroad through approved banking channels
or from funds in my/our Non-Resident External /Non-Resident Ordinary /FCNR account. (Refer Inst. No. 5)
I/We confirm that details provided by me/us are true and correct. Second Applicant
**I have voluntarily subscribed to the on-line access for transacting through the internet facility provided by Birla Sun Life Asset Management Company Ltd. (Investment
Manager of Birla Sun Life Mutual Fund) and confirm of having read, understood and agree to abide the terms and conditions for availing of the internet facility more
particularly mentioned on the website www.birlasunlife.com and hereby undertake to be bound by the same. I further undertake to discharge the obligations cast on me and
shall not at any time deny or repudiate the on-line transactions effected by me and I shall be solely liable for all the costs and consequences thereof.
The ARN holder has disclosed to me/us all the commissions(in the form of trail commission or any other mode), payable to him for the different competing schemes of various
mutual funds from amongst which the scheme is being recommended to me/us Third Applicant
Birla Sun Life Capital Protection Oriented Fund - Series 2 (36 months) Growth
Investment Amount (Rs.)___________________________________ DD Charges (Rs.) __________________________ Net Amount (Rs.) __________________________________________
Cheque / DD No. ______________________ Dated ____/____/________ Drawn on Bank _________________________________________________________________________________
INSTRUCTIONS FOR FILLING APPLICATION FORM
1. GENERAL INSTRUCTIONS provided by the unit holder.
i. Please read the terms of the Key Information Memorandum and the Scheme Information Document (SID) and iv. Nomination can also be in favour of the Central Government, State Government, a local authority, any person
Statement of Additional Information (SAI) carefully before filling the Application Form. Investors should also designated by vir tue of these offices or a religious or charitable trust.
apprise themselves of the prevailing Load structure on the date of submitting the Application Form. Investors are v. The Nominee shall not be a trust, society, body corporate, partnership firm, Karta of Hindu Undivided Family or a
deemed to have accepted the terms subject to which this offer is being made and bind themselves to the terms Power of Attorney holder. A non-resident Indian can be a Nominee subject to the exchange controls in force, from
upon signing the Application Form and tendering payment. time to time.
ii. Application form should be completed in English and in BLOCK LETTERS. Please tick in the appropriate boxes vi. Nomination in respect of the units stands rescinded upon the transfer of units.
wherever applicable. vii. Transfer of units in favour of a Nominee shall be valid discharge by the Asset Management Company against the
iii. The signature should be in English or in any of the Indian languages specified in the eighth schedule of the legal heir.
Constitution of India. Thumb Impressions must be attested by a magistrate or a notary public or a special viii. The cancellation of nomination can be made only by those individuals who hold units on their own behalf singly or
executive magistrate under his/her official seal. Applications by minors should be signed by the guardians. In jointly and who made the original nomination.
case of H. U. F. the Karta should sign on behalf of the H. U. F. ix. On cancellation of the nomination, the nomination shall stand rescinded and the Asset Management Company
iv. The application complete in all respects along with the cheque/demand draft must be submitted to the nearest shall not be under any obligation to transfer the units in favour of the Nominee.
designated Investor Service Centre. Applications incomplete in any respect or not accompanied by cheque or x. The nomination details as registered with the Depository Participant shall be applicable to unitholders who have
demand draft of the amount payable are liable to be rejected and the money paid will be refunded without interest. opted to hold units in Demat mode.
v. No receipt will be issued for the application money. The designated Investors Service Centre will stamp and
return the acknowledgement slip in the application form, to acknowledge receipt of the application. 7. DIRECT CREDIT OF REDEMPTION
vi. Investors already holding a folio in Birla Sun Life Mutual Fund can provide their existing Folio Number and Name The Mutual Fund has an arrangement with select banks to enable direct credit of redemption proceeds into the bank
of applicants(s) corresponding to the said folio. It is the responsibility of the Investor to ensure correctness of such account of the respective investors who have an account with any of these banks. This facility as a mode of payment is
details provided. The personal details and Bank Account details as registered in the existing folio number as faster& safer (attach a copy of cancelled cheque). The potential risk of loss of instruments in transit through courier /
provided would apply to the said investment and the registered details would prevail over any conflicting post is also eliminated. In case the bank account as communicated by the Unit holder is with any of the select banks,
information furnished in this form. the Mutual Fund shall automatically extend this facility to the Unit holders. If the remittance is delayed or not effected
for reasons of incomplete or incorrect information, Mutual Fund cannot be held responsible. The Mutual Fund,
2. INVESTOR PARTICULARS however, reserves the right to issue a cheque / demand draft inspite of an investor opting for Direct Credit. However ,if
i. Name and address must be given in full. P.O. Box address is not sufficient. In case of NRIs/ FII investors an the Unit holders are not keen on availing of the facility and prefer receiving cheques / demand drafts, may indicate so
overseas address must be provided. on the application form. The Mutual Fund would then effect the payouts by cheque / demand draft. The list of Banks
ii. Name of Guardian must be mentioned if investments are being made on behalf of a minor. Date of birth is include ABN AMRO Bank, Citi Bank, Deutsche Bank, HDFC Bank, HSBC Bank, ICICI Bank, IDBI Bank, Standard
mandatory in case of minor. Chartered Bank, Axis Bank, Kotak Mahindra Bank, Yes Bank, State Bank of India, Punjab National Bank & Bank of
iii. In case of an application under Power of attorney or by a limited company, body corporate, registered society, Baroda which are subject to change from time to time.
trust or partnership, etc the relevant Power of attorney or the relevant resolution or authority to make the
application as the case maybe, or duly notarised copy thereof, along with the Memorandum and Articles of 8. COMMUNICATION
Association/ Bye Laws must be lodged with the application form. Account Statements, Quarterly Newsletter, Annual Reports and Transaction Confirmation can be sent to Unit holders
iv. Documentation to be submitted by Corporate Investors/Societies / Trusts / Partnership Firms/ FIIs 3. 4. by post / e-mail. Should the Unit holder experience any difficulty in accessing in the electronically delivered
documents, the unit holder shall promptly inform the same to the Mutual Fund. It is deemed that the Unit holder is
Corporate Investors Trusts Societies Partnership Firms FIIs
aware of all security risks including possible third party interception of the documents and contents of the documents
Board /Committee Resolution / Authority Letter
becoming known to third parties.
Memorandum & Articles of Association
Trust Deed 9. DEMAT ACCOUNT DETAILS
Partnership Deed Investor have the option to hold the units in demat form, please tick the relevant option of yes/no for opting or not opting
Bye-laws units in demat form. If no option is excercised,"No" will the default option. Applicants must ensure that the sequence of
List of authorised Signatories with names, names as mentioned in the application form matches with that of the account held with the Depository Participant. If the
designations & Specimen Signature details mentioned in the application are incomplete/incorrect, not matching with the Depository data, the application
Overseas Auditor’s certificate shall be treated as invalid and shall be liable to be rejected.
The Power of Attorney should necessarily be signed by both the investor and the constituent Power of Attorney. 10. KNOW YOUR CLIENT (KYC)
Where only uncertified photocopies of the documents are submitted / attached to the application form, the onus According to guidelines issued by SEBI under ‘The Prevention of Money Laundering Act, 2002, Mutual Funds are
for authentication of the documents so submitted shall be on investors and the BSLAMC / MF will accept and act required to follow enhanced know your customer (KYC) norms. According to enhanced KYC norms, it is made
in good faith on uncertified / not properly authenticated documents submitted/attached with the application form. compulsory for all investors to be KYC compliant while making an application for subscription of units, amounting to
Submission of such documents by investors shall be full and final proof of the non individual investor’s authority to Rs. 50,000 and above, w.e.f. February 1, 2008.
invest and the BSLAMC/MF shall not be liable under any circumstances for any defects in the documents so Birla Sun Life Asset Management Company has made arrangements with CDSL Ventures Limited (“CVL”), to process
submitted. KYC compliance. Investors can visit branches of BSLAMC or may visit www.birlasunlife.com, www.amfiindia.com and
v. Applicants can specify the mode of holding in the application form as “Single” or “Joint” or “Anyone or Survivor”. In www.cdslindia.com to know detailed procedure for KYC compliance. On submission of KYC application alongwith the
the case of holding specified as “Joint”, redemption and all other request / transactions would have to be signed prescribed documents “KYC Acknowledgement letter” will be issued by CVL to the applicant.
by all unit holders. However, in cases of holding specified as “Anyone or Survivor”, any one of the unit holders will Applications for subscriptions of value of Rs. 50,000 and above without a valid KYC compliance may be rejected.
have the power to make all necessary requests, without it being necessary for all the unit holders to sign. In the Provided further, where it is not possible to verify the KYC compliance status of the investor at the time of allotment of
event the account has more than one registered unit holders and the mode of holding is not specified in the units, the BSLAMC shall verify the KYC compliance status of the investor within a reasonable time after the allotment
application form, the default option for holding would be considered to be “anyone or sur vivor”. However, in all of units. In the event of non compliance of KYC requirements, the BSLAMC reserves the right to freeze the folio of the
cases, the proceeds of all redemption will be paid to the first named holder. All communications will also be sent to investor(s) for any kind of transactions or affect mandatory redemption of unit holdings of the investors at the
the first named holder. applicable NAV, subject to payment of exit load, if any and recovery of unamortized NFO expenses.
vi. Investors should clearly indicate their preference of Plan/option on the application form. If no plan is selected in Investors who have obtained MIN allotment letter by submitting the PAN copy are deemed to be KYC compliant.
the application form, the investment will be deemed to be for the default option. Investors should note that on completion of KYC Compliance all details of the investor in the Mutual Fund records will
be replaced by the details as given in KYC Application Form by the investor to the CVL. Any change in this details like
3. BANK AND PERMANENT ACCOUNT NUMBER DETAILS change of Name / Address / Status /Signature, etc. should be given by Investor directly to CVL in the prescribed
Bank Details: In order to protect the interest of investors from fraudulent encashment of cheques, the SEBI manner.
Regulations have made it mandatory for investors to mention in their application / Redemption request, the bank name
and account number. It may be noted that, in case of those unit holders, who hold units in demat form, the bank 11. DIRECT APPLICATIONS
mandate available with respective Depository Participant will be treated as the valid bank mandate for the purpose of Investors should ensure to write the word 'DIRECT' in the column 'ARN No' or 'Broker Code' in their applications for
payout at the time of maturity or at the time of any corporate action. purchases/additional purchases/switches in all such cases where applications are not routed through any
PAN Details: It is compulsory for all investors to quote their Permanent Account Number (PAN) and submit copy of the distributor/agent/broker.
PAN card issued by the Income Tax Department, irrespective of the amount of investment, while making an In cases where unit holder uses a pre-printed transaction slip/application form where details in the 'ARN No' or 'Broker
application for Purchase of Units. In case of joint applicants, PAN details of all holders should be submitted. In case the Code' column is already printed, unit holder should cancel the ARN No/ Broker Code, write 'DIRECT' in the said
investor making the application is a minor, PAN details of the Guardian must be submitted. Investors residing in the column. It should also be counter signed by the unit holder/ all joint holder(s).
state of Sikkim are exempt from the mandatory requirement of PAN proof submission, however sufficient documentary Transactions slips/application forms where the column under 'ARN No or 'Broker Code' is provided, has to be filled by
evidence shall have to be submitted to Birla Sun Life Mutual Fund for verifying that they are residents of State of the unit holder as 'DIRECT' for processing the same as Direct applications.
Sikkim. Investors can submit their applications for purchases /additional purchases/ switches at any of the Official Point(s) of
Acceptance of Birla Sun Life Mutual Fund. The list of Official Point(s) of Acceptance is available on the website of Birla
4. MODE OF PAYMENT Sun Life Mutual Fund (www.birlasunlife.com).
i. Resident investors may make payment by cheque payable locally in the city where the application form is
submitted at the local Birla Sun Life Asset Management Company Ltd. Offices / Authorised Collection Centres. 12. REAL TIME GROSS SETTLEMENT / NATIONAL ELECTRONIC FUNDS TRANSFER (RTGS / NEFT)
ii. The cheque should be drawn on any bank which is situated at and is a member/sub member of the bankers Funds Transfer shall be effected only if the recipient/destination Bank/Branch is participating in RTGS / NEFT. It is the
clearing house. Cheque drawn on the bank not participating in the clearing house will not be accepted. responsibility of the Investor to ensure the correctness of the message especially the IFSC code of the recipient
iii. Payment through Stockinvest, outstation cheques and cash will not be accepted. /destination branch & account number. The collecting bank as well as BSLMF will get valid discharge if the amount is
iv. Investors residing in Centres, where the Investors service Centres of the mutual fund are not located, are credited to the account number mentioned in the Application even if the name of the Investor account holder differs.
requested to make payment by demand drafts payable at the Centre where the application is to be lodged. D.D. BSLMF shall not assume any liability or responsibility arising out of or made liable for any incorrect request or
charges would be borne by the fund only for the investors residing at places which are not covered by our offices / message. If the date of payment happens to be a holiday at the centre where the recipient branch is situated, the credit
authorised centres & DD Charges are mentioned in the form. The maximum charges so borne by the fund would will be passed on to the Investor on next working day. BSLMF shall not be liable for delay in payments to the Investor if:
be restricted to limits as prescribed by State Bank of India. i. Incorrect and insufficient details are provided.
ii. If there is dislocation of work due to circumstances beyond the control of Remitting/Destination Banks including
5. NRI INVESTORS but not limited to circumstances like non-functioning of computer system, disruption of work due to natural
Repatriation basis: calamities, strike, riot etc or Netware or internet problem or other causes beyond the control of the Branch/ bank
Payments by NRIs/FIIs may be made by way of Indian rupee drafts purchased abroad or out of funds held in resulting in disruption of communication, such cases will be settled on the next working day when RTGS / NEFT is
NRE/FCNR account or by way of cheques drawn on non-resident external accounts payable at par and payable at the functioning properly.
cities where the Investor Service Centres are located. In case of Indian rupee drafts purchased and subscriptions The Investor hereby agrees and undertakes that he is aware of all the RTGS / NEFT rules set by RBI & to abide by all
through NRIs / FCNR account, an account debit cer tificate from the bank issuing the draft confirming the debit should the rules, terms, conditions and administrative guidelines issued or which may be issued by the RBI or any other
also be enclosed. regulatory authorities applicable to the transactions relating to RTGS / NEFT whether directly or/and indirectly.
Non Repatriation basis:
NRIs investing on a non repatriable basis may do so by issuing cheques/ demand drafts drawn on Non-Resident 13. AUTOMATIC SWITCH OF REDEMPTION PROCEEDS ON MATURITY (AUTO MATURITY SWITCH)
Ordinary (NRO) account payable at the cities where the Investor Service Centres are located. The Mutual Fund provides the investors the flexibility to switch their redemption proceeds receivable on maturity of the
scheme to any of the Plan/Option of Birla Sun Life Short Term Fund (BSLSTF), as may be specified by the investor in
6. NOMINATION the application form. In case the investor fails to specify his preference as regards the Plan/Option of BSLSTF into
i. Unit holder can nominate (in the manner prescribed under the SEBI Regulations), maximum upto 3 person(s) in which the maturity proceeds are to be switched into, the default plan / option which shall be the Retail Plan-Fortnightly
whom the Units held by him/her shall vest in the event of his/her death. It shall be mandatory to indicate clearly the Dividend Reinvestment option under BSLSTF. This Option enables the investors to take advantage of investment in
percentage of allocation / share in favour of each of the nominees against their name and such allocation / share short term debt securities through BSLSTF on maturity of the scheme, instead of receiving the payout of redemption
should be in whole numbers without any decimals making a total of 100 percent. In the event of the Unitholders proceeds. Investor can choose to avail of this facility only at the time of making the application to subscribe to the units
not indicating the percentage of allocation / share for each of the nominees, the AMCs, by invoking default option of the scheme. However, investor shall have an option to alter his preference from auto maturity switch to Payout
shall settle the claim equally amongst all the nominees. option by submitting a written request, at any time during the tenure of the scheme, not later than 10 working days from
ii. The nomination can be made only by individuals applying for / holding units on their own behalf singly or jointly. the maturity of the scheme. If this section is not signed or in case of discrepancy in signatures in sections 11 & 13,
Non-individuals including society, trust, body corporate, partnership firm, Karta of Hindu Undivided Family, switch request may be liable to be rejected. To make the switch effective, investor needs to hold all the units till maturity
holder of Power of Attorney cannot nominate. If the units are held jointly, all joint holders will sign the nomination of the scheme.
iii. A minor can be nominated and in that event, the name and address of the guardian of the minor nominee shall be 14. APPLICATIONS NOT COMPLETE IN ANY RESPECT ARE LIABLE TO BE REJECTED.
KEY INFORMATION MEMORANDUM
Birla Sun Life Capital Protection Oriented Fund - Series 2 (36 months)
A Close ended Capital Protection Oriented Scheme
Offer of units of Rs. 10/- each for cash during the New Fund Offer
New Fund Offer Opens: 21st April 2010 | New Fund Offer Closes: 21st May 2010
Mutual Fund : Birla Sun Life Mutual Fund
Investment Manager : Birla Sun Life Asset Management Company Ltd
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 etc. investors should, before investment, refer to the Scheme Information Document and Statement of Additional
Information available free of cost at any of the Investor Service Centres or distributors or from the website www.birlasunlife.com.
The Scheme particulars have been prepared in accordance with Securities and Exchange Board of India (Mutual Funds) Regulations 1996, as amended till date, and filed with Securities and Exchange Board
of India (SEBI). The units being offered for public subscription have not been approved or disapproved by SEBI, nor has SEBI certified the accuracy or adequacy of this KIM.
It is to be distinctly understood that the permission given by National Stock Exchange of India Limited (NSE) should not in any way be deemed or construed that the Scheme Information Document has been
cleared or approved by NSE nor does it certify the correctness or completeness of any of the contents of the Draft Scheme Information Document. The investors are advised to refer to the Scheme
Information Document for the full text of the 'Disclaimer Clause of NSE. The KIM is dated April 13, 2010
* The rating of “mfAAA (so)” is pronounced as “mf triple A S O”. The assigned rating is valid only for Birla Sun Life Capital Protection Oriented Fund - Series 2. The rating indicates highest degree of certainty for payment of face value of the mutual fund units on maturity to the unit holders. The rating should,
however, not be construed as an indication of expected returns, prospective performance of the Mutual Fund scheme, NAV or of volatility in its returns
Name of the Scheme Birla Sun Life Capital Protection Oriented Fund – Series 2
Type of Scheme A Close Ended Capital Protection Oriented Scheme
Investment Objective To seek capital protection by investing in high quality fixed income securities maturing in line with the tenure of the scheme and seeking capital appreciation by
investing in equity and equity related instruments
Liquidity The scheme will have duration of 36 months from the date of allotment
Asset Allocation Pattern of the Under normal circumstances, the asset allocation pattern for the scheme shall be as under:
Instrument Risk Profile
Debt Securities and money 80
Low to medium 100
Equity and Equity Related High 0 20
* Money Market Instruments include commercial papers, commercial bills, treasury bills, and Government securities having an unexpired maturity upto one year,
call or notice money, certificate of deposit, usance bills, CBLOs and any other like instruments as specified by the Reserve Bank of India from time to time
ICRA, while assigning mfAAA(so) rating to the scheme has assumed initial Asset mix (allocation in Debt and equity securities). Asset Allocation of the scheme
shall be subject to the same and the limits specified above
The scheme may take exposure through derivative transactions in the manner and upto the limit as may be specified by SEBI from time to time; provided at any
point in time the aggregate value of investments in permissible asset classes including debt and money market instruments and equity and equity related
instruments and the notional exposure through derivative transactions shall not exceed 100% of the scheme's AUM, unless otherwise permitted by SEBI in writing
Under normal circumstances, the scheme will invest in above instruments in line with its duration.
• The investments in securitised debt papers may be made upto 100% of the net assets of the scheme.
• The scheme shall invest only in such securities which mature on or before the date of the maturity of the scheme.
• The scheme does not intend to invest in Foreign Securities
Investment Strategy The scheme follows a passive investment strategy for the fixed income component of the scheme. The fund will employ active, disciplined approach based on
thorough research and evaluation of domestic as well as world financial markets so as to attain a global Perspective which will in turn help in achieving schemes
The corpus of the equity component of the scheme will be primarily invested in diversified equity and equity related securities of the companies that have a
potential to appreciate in the long run. All companies selected will be analysed taking into account the business fundamentals like nature and stability of business,
prospects of future growth and scalability, financial discipline and returns, valuations in relation to broad market and expected growth in earnings, the company's
financial strength and track record.
Stock Selection Strategy
The Fund will select stocks of companies that have demonstrated a potential ability to grow at a reasonable rate for the long term. The aim will be to build a
portfolio that adequately reflects a cross-section of the growth areas of the economy from time to time. While the portfolio focuses primarily on a buy and hold
strategy at most times, it will balance the same with a rational approach to selling when the valuations become too demanding even in the face of reasonable
growth prospects in the long run.
Risk Profile of the Scheme Mutual Fund Units involve investment risks including the possible loss of principal. Please read the Statement of Additional Information / Scheme Information
Document carefully for details on risk factors before investment. Scheme specific Risk Factors are summarized:
• The scheme offered is “oriented towards protection of capital” and “not with guaranteed returns”. Further, the orientation towards protection of the capital
originates from the portfolio structure of the scheme and not from any bank guarantee, insurance cover etc
• The ability of the portfolio to meet capital protection on maturity to the investors can be impacted by interest rate movements in the market, credit defaults by
bonds, expenses and reinvestment risk.
•· ICRA reserves the right to suspend, withdraw or revise the above rating at any time, on the basis of any new information or unavailability of information or such
other circumstances, which ICRA believes may have impact on the ratings assigned to the scheme.
In addition to the above, investments in the scheme are subject to various risk factors including but not limited to risks associated with: investment in Equity and
Equity related instruments, investments in Debt Securities such as Price-Risk or Interest-Rate Risk, Credit Risk, Liquidity or Marketability Risk, Reinvestment
Risk etc., investments in Derivatives (The risks associated with the use of derivatives are different from or possibly greater than, the risks associated with
investing directly in securities and other traditional investments), investments in Securitised Debt assets which would be in the nature of Mortgage backed
securities (MBS) and Asset backed securities (ABS) with underlying pool of assets and receivables like Housing Loans, Auto loans and corporate loans. The
various risks associated with these assets include Prepayment Risk, Credit Risk, Liquidity Risk, Conversion risk, Price risks etc. The scheme shall also be subject
to risks associated with short selling. Different types of securities in which the scheme would invest as given in the Scheme Information Document/Key
Information Memorandum carry different levels and types of risk. Accordingly the scheme's risk may increase or decrease depending upon its investment pattern.
e.g. corporate bonds carry a higher amount of risk than Government securities. The above are some of the common risks associated with investments in various
securities. There can be no assurance that a Scheme's investment objectives will be achieved, or that there will be no loss of capital. Investment results may vary
substantially on a monthly, quarterly or annual basis.
Listing The scheme is a close ended Scheme and the units offered under the Scheme will be listed on one or more recognized stock exchanges as may be decided by
AMC within 30 days from the closure of the New Fund Offer Period. As the units will be listed on stock exchanges, investors/ unitholders can buy / sell units on a
continuous basis on the stock exchanges during the trading hours like any other publicly traded stock at market prices. The minimum number of Units that can be
bought or sold on the Exchange is 1 (one) unit. Unitholders who wish to trade in units would be required to have a demat account. All investors may buy/sell Units
on the Stock Exchange on all the trading days as per the settlement cycle of the Stock Exchange
Although Units are to be listed on Stock Exchange, there can be no assurance that an active secondary market will develop or be maintained. The AMC and the
Trustees will not be liable for delay in trading of Units on Stock Exchange due to the occurrence of any event beyond their control
As per SEBI circular SEBI/IMD/CIR No. 12/147132/08 dated December 11, 2008 the units of the scheme will be listed on National Stock Exchange of India Ltd.
(NSE) for which the Trustees have obtained an in-principle approval from NSE.
Option The scheme shall have Growth Option only.
Applicable NAV Units of the scheme cannot be redeemed by the investors directly with the fund until the date of maturity of the scheme. Therefore, the provisions of cut off timing
for redemptions will not be applicable.
Minimum Application Purchase Repurchase
Amount/ Number of Units Minimum of Rs. 5,000/- and in multiples of Rs. 10/- thereafter during the NFO period. No redemption (repurchase) of units is allowed before the maturity of the
plan. Investors wishing to exit may do so by selling their units through stock
Despatch of Proceeds of Within 10 working days from the date of maturity.
Repurchase (Redemption) Request
Benchmark Index CRISIL MIP Blended Index
The fund reserves the right to change the benchmark for evaluation of the performance of the scheme from time to time, subject to SEBI Regulations and
other prevailing guidelines if any.
Dividend Policy Not Applicable
Name of the Fund Manager Mr. Satyabrata Mohanty
Name of the Trustee Company Birla Sun Life Trustee Company Private Limited
Performance of the Scheme This scheme does not have any performance track record
Expenses of the Scheme New Fund Offer Period
The initial issue expenses shall be borne by the AMC.
(i) Load Structure Entry Load: Nil
In terms of SEBI circular no. SEBI/IMD/CIR No.4/ 168230/09 dated June 30, 2009, no entry load will be charged by the Scheme to the investor effective August 1,
2009. 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
Exit Load: Nil
No redemption/repurchase of units shall be allowed prior to the maturity of the scheme. Investors wishing to exit may do so through stock exchange mode
(ii) Recurring expenses Average weekly net assets Maximum, as a % of average weekly net assets
First Rs. 100 crores 2.25%
Next Rs. 300 crores 2.00%
Next Rs. 300 crores 1.75%
Waiver of Load for Direct
Tax treatment for the Investors
Investors are advised to refer to the details in the Statement of Additional Information and also independently refer to his tax advisor.
Daily Net Asset Value The NAV will be declared on all the days and will be published in 2 newspapers. NAV can also be viewed on www.birlasunlife.com and www.amfiindia.com
(NAV) Publication Investors can also call up at our toll free number 1800-22-7000 / 1800-270-7000.
For Investor Grievances please Birla Sun Life Asset Management Company Limited, Registrar & Transfer Agents:
contact One India Bulls Centre, Tower 1, 17th Floor, Jupiter Mill Compound, 841, Computer Age Management Services Pvt. Ltd. (CAMS)
Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. Rayala Towers, 158, Anna Salai, Chennai - 600002.
Tel. 1800-22-7000 / 1800-270-7000, Fax No. 43568110/8111, Contact Details: 1800-425-2267, E-mail: birlasunlife @camsonline.com
E-mail: firstname.lastname@example.org, Website: www.camsonline.com
Unitholders' Information Mailing of account statements reflecting the allotments will be completed within 30 days from the date of closure of the New Fund Offer Period.
The Scheme wise annual report or an abridged summary thereof shall be mailed to all Unit holders not later than four months from the date of closure of the
relevant accounting year and full annual report shall be available for inspection at the Head Office of the Mutual Fund and a copy shall be made available to the
Unit holders on request on payment of nominal fees, if any.
The mutual fund and Asset Management Company shall before the expiry of one month from the close of each half year that is on 31st March and on 30th
September, publish its unaudited financial results in one national English daily newspaper and in a regional newspaper published in the language of the region
where the Head Office of the mutual fund is situated.
Investor who has provided his/her email address in the application form or any subsequent communication in any of the folio belonging to the investor, Birla Sun
Life Mutual Fund (BSLMF) reserves the right to use Electronic Mail (email) as a default mode for sending various statutory communications to the investor.
Not with standing anything contained in the Key Information Memorandum, the provisions of SEBI (Mutual Funds) Regulations, 1996 and Guidelines thereunder shall be applicable. Further,
investors may ascertain about any further changes from the Mutual Fund/Investor Service Centres /Distributors or Brokers.
BIRLA SUN LIFE ASSET MANAGEMENT COMPANY LTD (Branches)
Agra: Shop No. 3, Block No. 54/4, Ground Floor, Prateek Tower, Lashkar Pur City Circle, Sanjay Place, Agra - 282002 • Ahmedabad: 2nd floor , Shivalika Point , opp Abhujeet -1 Near Mithakali, Six Road
Navrangpura - Ahemdabad - 380009 • Ajmer: Shop No.5,6, Ist Floor,India Square Building, Kutchery Road,Ajmer - 305001 • Allahabad: Upper ground floor,45/1(202),MG Marg,Civil Lines,Allahabad-
211001 • Alwar: Krishna Complex, Plot no 17, Tej Mandi Station Road, Alwar - 301001 • Ambala: 6351/14 Nicholson Road above Archies Gallery Ambala Cantt-133001 Haryana • Amravati: 1st Floor,Katri
Mall, Morchi Road, Amravati - 444602 • Amritsar: Central mall, 3rd Floor, Opp ICICI Prudential, Mall Road, Amritsar - 143001 • Anand: 306-307 , Triveni Arcade , V V Nagar Road , Anand 388001 •
Aurangabad: 1st Floor , Sanjivani Complex, Near Ratnaprabha Motors , Opp LIC Office, Adalat Road, Aurangabad - 431001 • Bangalore - Cunningham Road: G 206/207, H M Geneva House, 14
Cunnigham Road, Bangalore : 560052 • Bangalore-Jayanagar: #14, South end road, Basavanagudi, Next to Surana College, Bangalore-560004 • Bangalore - Malleswaram: No.1 14 A Cross 3rd Floor
Sampige Road Malleshwaram, Bangalore: 560003 • Baroda: Soham Complex, 49, Alkapuri society, Ground Floor, Opp HDFC Bank Alkapuri, R C Dutt Road, Vadodara-390007 • Belgaum: 1st Floor, Beside
Canara Bank, Opp. Meenaxi Bhavan,Station Road, Belgaum - 590 001 • Bharuch: 205/206, Aditya Complex, Kasak Circle, Bharuch - 392001 • Bhavnagar: Shree Vallabh Complex,Ground Floor, G ( 1 to 3
)C,Opp Joggers Park, Waghawadi Road,Bhavnagar -364002 • Bhilai: Shop no-9 2nd floor Chauhan estate G E Road Bhilai( C.G) 490023 -Ph no-0788-4083340 • Bhopal: 149 Kamal Tower , MP Nagar
Zone 1 Bhopal - 462011 • Bhubaneswar: 77,Janpath,Kharvelnagar Bhubaneshwar-751001 • Calicut: SHOP No:110-111,First FLOOR,Calicut MalL, Stadium Junction, Puthiyara Road,Calicut--673004 •
Chandigarh: SCO : 145-146 , First Floor , Sector : 9 - C, Chandigarh - 160017 • Chennai - Adyar: No:2, 2nd Cross Street, Kasturibai Nagar, Adyar, Chennai - 600020 • Chennai - Anna Nagar:
334/4,Galaxy Appts, 2 nd Avenue, Anna Nagar, Chennai-40 • Chennai - Madhurai: S.E.V.Grandson 1st Floor, 280-B, Good Shed Street, Madurai 625 001 • Chennai - Egmore: " Kuber", 1st Floor, 42,
Pantheon Road, Egmore, Chennai - 600008 • Cochin: Casa Blanca, 2nd Floor, Opp: CITI BANK , M.G Road ,Cochin-682 035 • Coimbatore: 723 A & B, II nd Floor, Thirumalai Towers, Avinashi Road,
Coimbatore - 641018 • Dehradun: 97 India Trade Centre,Rajpur road,Adjoining hotel Madhuban,Dehradun-248001 • Delhi: C - 34, First Floor, Inner Circle, Connought Place, New Delhi - 110001 •
Dhanbad: Shop No-202 2nd Floor Shriram Plaza Bank More Dhanbad-826001 • Durgapur: City Centre City Plaza,3rd Floor Durgapur-713216 • Erode: N R Complex,1st Floor, 1B,Veerabadra Street IV,
Park Approach Road, Near Hotel Oxford, Erode-638003 • Gurgaon: 617,Galleria Commercial Complex,DLF City Phase IV, Gurgaon-122002 • Guwahati: 2nd Floor , Nezone Plaza, Christian Basti,G.S
Road Guwahati -781005 • Gwalior: Alaknanada Tower , 4th Floor, Plot no 45 A , City center , Gwalior - 474001 • Hubli: 15, Upper Ground Floor, Vivekanand Corner, Desai Cross, HUBLI–580029 •
Hyderabad - Abids: 102 1st floor, Oasis Plaza, D.No:4-1-898, Tilak Road, Abids, Hyderabad - 500001 • Indore: 405 City Centre 570 M G Road , Indore 452001 • Jabalpur: Mangalam 2nd Floor , Shastri
ridge Road,Napier Town Jabalpur - 482001 • Jaipur: 204, 2nd Floor, Ganpati Plaza,M.I Road, Jaipur 302001 • Jalandhar: 210, 2nd Floor, Grand Mall,Jalandhar-144001 • Jammu: TRG Building, 5th Floor,
Gandhi Nagar, Behind Baahu Plaza, Jammu - 180004 • Jamnagar: 209, Madhav Darshan Complex, Lal Bunglow Road Jamnagar - 361001 • Jamshedpur: 4/1,4th floor Aditya Towers Bistupur,Opp
Bistupur Police Station,Bistupur-831001 -Jamshedpur • Jodhpur: KK.Plaza II nd Floor, Sardarpura Ist B Road, Jodhpur (Raj.) 342003 • Kanpur: 114/113,Kan chambers,office No. 103-106,Civil
Lines,Kanpur-208001 • Kolhapur: Shop No. S-1a , ' E ' Ward , CTS No.264/k , Tarabai Park, Kolhapur - 416003. • Kolkata: First Floor,New BK Market, 16 A, Shakespeare Sarani, Kolkatta - 700071 • Kota:
390 2nd Floor,Shopping Centre,Near Ghodawala Baba Chauraha, Kota-324004 (Raj.) • Lucknow: 103-B,1st Floor,Shalimar Square,Lalbagh,Lucknow-226001 • Ludhiana: SCO-2,Ground Floor,ABC
Building,Feroze Gandhi Market, Ludhiana-141001 • Mandi Gobindgarh: Ward No. 11, Post Office Road, Near State Bank of India, Mandi Gobindgarh – 147301 • Mangalore: 6th Floor, Essel Towers, Bunds
Hostel Circle, Mangalore - 575003 • Margao: Ground Floor,Shop No.7 & 8, Colaco Building,Abade Faria Road,Margao-Goa,403601 • Mathura: Sangam Complex, 1st Flr., Krishna Nagar Chowk,
Gobardhan Road, Mathura – 281004 • Meerut: Unit 103,Om plaza,opposite Ganga Plazxa,Begum bridge road,Merrut - 25001 • Mehasana: Gr. Floor, Shop no G (1 to 3), C, Shri Vallabh Complex,
Bhavnagar, Gujarat-364002 • Moradabad: Near Hotel Rajmahal,Infront of Dr P K Das,Civil Lines,Moradabad-244001 • Mumbai - Borivali: Victory Park, A/405, Roshan Nagar, Chandavarker Lane, Borivali
(W), Mumbai -400092 • Mumbai - Ghatkopar: 506-507, 5th Floor, Kailas Plaza, Vallabhbaug Lane, Ghatkopar, Mumbai - 400077 • Mumbai (IH): Industry House, 1st Floor, Churchgate Reclamation,
Mumbai 400 020 • Mumbai (IB): One India Bulls Centre, Tower 1, 17th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai- 400013. • Mysore: No. 442-443, Laxman Plaza,
Chamraja Double Road, Near Ramaswamy Circle, Mysore -570024 • Nagpur: 1st Floor, Kapish House Appartments,282, Mata Mandir Road, Near Khare Town, Dharampeth, Nagpur - 440 010 • Nasik:
Shop no 1, Samruddhi Residency, Opp Hotel City Pride, Tilakwadi, Nasik – 422002. • Noida: N-22,Ist Floor, Sector-18,Noida 201301 • Panipat: N.K Tower,Office no -1, Second Floor,G.T Road, Panipat-
132103 • Panjim: 1st Floor, Ashok-Samrat Complex, Above Vishal Mega Mart, Off. 18th June Road, Panaji, Goa- 403001 • Patiala: 1- SCO 88, 1st Floor, New Leela Bhawan Market,Tehsil & District Patiala,
Patiala - 147001 • Patna: Ground Floor, Konark Share Building,Behind RBI, Exhibition Road, Patna - 800 001. • Pondicherry: 116 1st floor, Jayalxmi Complex, Thiruvalluvar Salai, Pondicherry - 605013 •
Pune (Bhandarkar Rd): Shop No.A5/1, Ground Floor, Near Millennium Tower, Bhandarkar Institute Rd, Deccan Gymkhana, Shivajinagar, Pune-411004. • Pune (Main): Kapil Towers, 'C' Wing, 1st Floor,
Near Sangam Bridge, R.T.O., Dr. Ambedkar Rd., Pune - 411001. • Pune (Pimpri): A-17,Empire Estate,Near Ranka Jewellers, Pimpri Branch, Pune-411019. • Raipur: 2nd Floor Chawla Complex Devandra
Nagar Road Sai Nagar,Raipur -492001 • Rajkot: 915- Star Plaza,Full chap chowk,Rajkot-360001 • Ranchi: 2nd floor Liya complex P.P compound Ranchi-834001 • Rourkela: 1st Floor, Aditya Ventures,
Holding No.72, Udit Nagar, Opp: Court, Rourkela - 769012. • Salem: No4,Anura Complex, Omalur Main Road, Angammal Colony entrance, Salem - 636009 • Shimla: Sood Complex, Opposite Mela Ram
Petrol Pump, Tara Hall, Circular Road, Shimla - 171003 • Siliguri: Ganpati Plaza 2nd floor,Near File Cineme hall,Sevoke Road Siliguri-734001 • Surat: M – 8 & 9 Mezzanine Floor,Jolly Plaza, Athwa
Gate,Surat - 395001 • Thane: Konark Tower Ground Floor, Shop 13 - 15, Ghantali Road, Thane (W), Thane - 400602 • Trichy: 19/1 1ST Floor Kingstone Park, Ramalinganagar Puthur High Road,
Woraiyur,Trichy_620017 • Trivandrum: 3rd,Floor,Kailas Plaza,Pattom,Trivandrum - 695 004 • Udaipur: 209-210 Daulat Chambers,4-D Sardarpura 2nd Floor,Udaipur-313001 (Raj.) • Valsad: 103, Amar
Chambers, Nr ICICI Bank, Opp. Lal School, Station Road, Valsad - 396001 • Vapi: 145-146 Tirupati Plaza Chala Road, VAPI 396191. • Varanasi: Arihant Complex,3rd Floor,D-9/127 C-4,Sigra,Varanasi-
221002 • Vashi: Arneja Corner, 217, 2nd Flr., New Mumbai 400705 • Vijayawada: K.P.Towers, 40-1-52/6 , Birla Sun Life Insurance, Acharya Ranga Nagar , vijaywada -520010 • Vishakapatnam: 1st Floor ,
B-2,Pavan Palace,Opp T.S.R.Complex,Dawarkanagar, Vishakapatnam -530016
NFO COLLECTION CENTRES
Agra: Sanjay Place • Ahmedabad: Navrangpura • Ahmednagar: Station Road • Ajmer: Ajmer • Akola: Z P Road • Aligarh: Ramghat Road • Allahabad: Civil Lines • Alwar: Bhagat Singh Circle • Ambala:
Nicholson Road • Amravati: Morshi Road • Amreli: Station Road • Amritsar: Court Road • Anand: Grid Road • Ankleshwar: Ankleshwar • Asansol: G.T Road • Aurangabad: Jalna Road • Bagalkot:
Opposite Railway Station • Balasore: F.M Circle • Bangalore: Richmond Road • Bardoli: Station Road • Barielly: Civil Lines • Baroda: Lokmanya Tilak Road • Batala: Jalandhar Road • Begusarai: Kachari
Chowk • Belgaum: Dr Ambedkar Road, • Bhagalpur: Dr R P Road • Bharuch: Link Road • Bhatinda: Civil Lines • Bhavnagar: Waghawadi Road • Bhilai: G.E Road • Bhilwara: Pur Road • Bhiwadi: Riico
Industrial Area • Bhiwani: Meham Chowk • Bhopal: M P Nagar • Bhubaneshwar: Saheed Nagar • Bhuj: Hospital Road • Bhusaval: Jamner Road • Bikaner: Rani Bazar • Bilaspur: Link Road • Bokaro:
Bokaro Steel City • Burdwan: G T Road • Calicut: Nadakkavu • Chandigarh: Sector 35 - B • Changanacherry: M C Road , Vezhakattiuchira • Chengannur: Govt Hospital Junction • Chennai: Mariam
Centre • Cochin: Palarivattom • Coimbatore: Trichy Road • Cuddapah: Dwarka Nagar • Curchorem: Curchorem - Sanguem Road • Cuttack: Bajrakbati Road • Dahanu: Irani Road • Daman: Dilip Nagar •
Darbhanga: Natraj Bhawan Tower Chowk • Davangere: Mandipet • Dehradun: Rajpur Road • Delhi: Kailash Bldg • Deogarh: Assam Access Road • Dhanbad: Sri Ram Plaza • Dharamsala: Civil Lines •
Dhule: Parola Road • Durgapur: Nachan Road • Erode: Brough Road • Fazilka: Gaushala Road • Ferozepur: The Mall • Gandhidham: Rabindranath Tagore Road • Gaya: K.P Road • Gondal: College
Chowk • Gorakhpur: Civil Lines • Guntur: Lakshmipuram • Gurdaspur: Improvement Trust Market, Hanuman Chowk • Guwahati: Jail Road • Gwalior: J. K. Plaza, • Hajipur: Dak Banglow • Haldwani:
Nainital Road • Hamirpur: New Road • Hazaribagh: Guru Gobind Singh Road • Himmatnagar: Kumar House • Hisar: Railway Road • Hoshirapur: Sutheri Road, • Hosur: Maruthi Nagar • Hubli:
Vivekanand Hospital Road • Hyderabad: Begumpet • Ichalkaranji: Main Road • Indore: Ring Road • Jabalpur: Main Road • Jagadhri: Ambala Road • Jagraon: Tehsil Road • Jaipur: Ashok Marg •
Jalandhar: G T Road • Jalgaon: D S P Chowk • Jammu: Jammu Tawi • Jamnagar: Saru Section Road, • Jamshedpur: Bistupur • Jhansi: Civil Lines • Jind: Near Rani Talab • Jodhpur: Mandore Road •
Junagadh: Moti Palace • Kadi: Kadi-Kalol Road • Kaithal: Ambala Road • Kangra: Opp Government Polytechnic • Kannur: South Bazar Road • Kanpur: Civil Lines • Kapurthala: Mall Road • Karad: Pune
Bangalore Highway • Karnal: Kanjpura Road • Karur: Kovai Road • Khanna: G T Road • Kolhapur: Kolhapur • Kolkata: Royd Street • Kota: Main Jhalawar Road • Kotkapura: Faridkot Road • Kottayam: K
K Road • Kurukshetra: Railway Road • Latur: M G Road • Lucknow: Pranay Tower • Ludhiana: Sco 54, Phase-2, • Madurai: No . 8 , North Veli Street • Mandi Gobindgarh: Main Post Office Roda •
Mangalore: Kadri • Manjeri: Malapurram Road • Mathura: Gaushala Raod • Meerut: Western Kutchery Road • Mehsana: Abhu Highway • Moga: G.T Road • Moradabad: Gmd Road • Morvi: Revapur Main
Road • Mumbai: Fort • Muzzafarnagar: Jansat Road • Muzzafarpur: Choti Saria Ganj • Mysore: Saraswathipuram • Nabha: Patiala Gate • Nadiad: College Road • Nagpur: Wardh Road • Narnaul :
Mahinder Garh Road • Nasik: Link Road • Navsari: Station Road • Nawanshahar: Banga Road • Nellore: Trunk Road, • Palakkad: Chandra Nagar • Palanpur: Parth Complex,Nr Cozy Tower • Panipat: G
T Road • Panjim: Swami Vivekanand Road • Pathanamthitta: Pathanathitta-Kumbazha Road, • Patiala: Leela Bhawan • Patna: Exhibition Road • Perinthalmanna : Calicut Road • Phagwara: G T Road •
Pondicherry: 100 Feet Road • Porbandar: M G Road • Pune: Model Colony • Quilon: Irumpupalam • Raipur: Shankar Nagar • Rajamundry: Main Raod • Rajapalayam: Thenkasi Road • Rajkot: Gondal
Road • Rajpura: Chandigarh Patiala Road • Ramganjmandi: Ram Ganj Mandi • Ramgarh: Main Road • Ranchi: 56 Circular Road • Raniganj: Nsb Road • Ratlam: Station Road • Ratnagiri: Managesh
Shanta Apt,Nr Maruti Mandir • Rewari: Old Court Road • Rishikesh: Railway Road • Rohatak: Delhi Rohtak Road • Roorkee: Civil Lines • Ropar: College Road • Rourkela: Dwivedi Square • Rudrapur:
Nanital Road • Saharanpur: Court Road Salem: Omalur Main Road • Sambalpur: Golbazar Chowk • Sangamner: New Nagar Road • Sangli: Miraj Road • Sangrur: Kaula Park Market • Shillong: Police
Bazar • Shimla: The Mall • Shimoga: Saverlane Road • Siliguri: Sevoke Road • Silvassa: Vapi Silvassa Road • Sindhanur: Vapi Silvassa Road • Solan: The Mall • Solapur: Lucky Chowk • Srinagar:
Residency Road • Surat: Ghod Dod Road, • Surendranagar: Middle Point • Thalassery: Avk Nair Road • Theni: Periyakulam Road • Thiruvalla: M C Road • Tirunelveli: Palayamkottai Tirupathi: Besides
Ibp Petrol Bunk • Tirupur: Kumaran Road • Tirur: Thazepalam • Trichur: M G Road • Trichy: , Thillai Nagar • Trivandrum: Pattam • Udaipur: Durga Nursury Road • Udupi: Court Road • Unjha: Station
Road • Valsad: Thithal Road • Vapi: Gidc Char Rasta • Varanasi: Rathyatra Crossing • Vellore: Krishna Nagar • Veraval: Rajamahal Road • Vijaywada: M G Road • Vishakapatnam: Dwarka Nagar •
HDFC BANK (NRI Collection Centres)
Ahmedabad: Navrangpura • Bangalore: Richmond Road • Kolkata: Royd Street • Chandigarh: Sector 35 - B • Cochin: Palarivattom • Delhi: Kailash Bldg • Hyderabad: Saeed Plaza,Lakadikapaul •
Indore: South Tukonj • Jaipur: Ashok Marg • Lucknow: Pranay Tower • Chennai: Mariam Centre • Mumbai: Fort • Pune: Model Colony • Surat: Ghod Dod Road • Ludhiana: Sco 54, Phase-2 • Jalandhar:
G T Road