KEY INFORMATION MEMORANDUM UNION KBC TAX SAVER … · 2011-11-24 · Name of the Scheme :Union KBC...

Risk related to uncertainty of income caused by the nature of a company’s business and having an impact on price fluctuations.

Portfolio companies carefully selected to include those with perceived good quality of earnings.

Business Risk

UNION KBC TAX SAVER SCHEME

NAME OF MUTUAL FUND: NAME OF SPONSORS:Union KBC Mutual FundRegistered Offce: 7 th Floor, Piramal Tower,Peninsula Corporate Park, Ganpatrao Kadam Marg,Lower Parel (W), Mumbai - 400013www.unionkbc.com

1) Union Bank of IndiaRegistered Offce: Union Bank Bhavan, 239,Vidhan Bhavan Marg, Nariman Point, Mumbai 400 021

2) KBC Participations Renta (a 100% subsidiary of KBC Asset Management NV)Registered Offce: 5, Place De La Gare,L – 1616 LuxembourgNAME OF ASSET MANAGEMENT COMPANY:

Union KBC Asset Management Company Private limitedRegistered Offce: 7 th Floor, Piramal Tower,Peninsula Corporate Park, Ganpatrao Kadam Marg,Lower Parel (W), Mumbai – 400 013

NAME OF REGISTRAR:

Computer Age Management Services Private limited (CAMS)Registered Offce: New No. 10, Old No. 178, M.G.R. Salai,Nungambakkam, Chennai – 600034

NAME OF TRUSTEE COMPANY:Union KBC Trustee Company Private limitedRegistered Offce: 7 th Floor, Piramal Tower,Peninsula Corporate Park, Ganpatrao Kadam Marg,Lower Parel (W), Mumbai – 400 013

KEY INFORMATION MEMORANDUM

(An Open-ended Equity Linked Savings Scheme with a lock in period of 3 Years)

Offer for Units of ` 10 each for cash during the

New Fund Offer Period and at NAV based prices upon re-opening

November 8, 2011December 9, 2011December 23, 2011

New Fund Offer Opens on:New Fund Offer Closes on:Scheme Re-opens for continuous sale and repurchase on:

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.unionkbc.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.

Name of the Scheme : Union KBC Tax Saver Scheme

Type of the Scheme/ Structure : An Open-ended Equity Linked Savings Scheme from Union KBC Mutual Fund (subject to lock in period of 3 years from the date of allotment).

As per the present tax laws, eligible investors in the scheme (who are “Assessee” as per the ELSS Rules) are entitled to deductions of the amount invested in the units of the scheme under Section 80(C) of the Income Tax Act, 1961 to such extent (presently one lakh) and subject to conditions as may be notified from time to time.

The scheme has been formulated in accordance with the requirements of the specified Equity Linked Savings Scheme (ELSS) notifications dated November 3, 2005 and December 13, 2005, issued by Government of India.

Investment Objective : To generate income and long-term capital appreciation by investing substantially in a portfolio consisting of equity and equity related securities.

However there can be no assurance that the investment objective of the scheme will be achieved.

Asset Allocation Pattern of the Scheme : Under normal circumstances, the asset allocation pattern will be as follows:

Types of Instruments Normal Allocation Risk Profile(% of Net Assets)

Minimum Maximum Low/Medium/High

Equity and Equity Related Instruments* 80 100 Medium to High

Debt Instruments & Money Market Instruments 0 20 Low to Medium

*Equity and Equity related securities / instruments shall mean equities, cumulative convertible preference shares and fully convertible debentures and bonds of companies. Investment may be also be made in partly convertible issues of debentures and bonds including those issued on rights basis subject to the condition that, as far as possible, the non – convertible portion of the debentures so acquired or subscribed, shall be disinvested within a period of 12 months.

In accordance with the ELSS, investments in equity and equity related instruments shall be to the extent of at least 80% of net assets of the scheme in the securities specified in the above para. In exceptional circumstances, this requirements may be dispensed with by the Fund in order that the interest of the assesses are protected.

Further, pending deployment of funds, the scheme may invest the funds in short – term money market instruments or other liquid instruments or both. After three years of the date of allotment of units, the Mutual Fund may hold upto twenty percent of net assets of the scheme in short – term money market instruments and other liquid instruments to enable redemption of investment of those unit holders who would seek to tender the units for repurchase.

Investment in Securitized Debt - NIL

Investments in Derivatives – NIL

Investments in Securities Lending – upto 20% of its net assets of the scheme (where not more than 5% of the net assets of the scheme will be deployed in securities lending to any single counterparty). (only if permitted under and in line with the prevailing regulations and ELSS Rules).

Presently, the scheme does not intend to invest in Foreign Securities.

The cumulative gross exposure to equity and debt will not exceed 100% of the net assets of the scheme.

Please refer the Scheme Information Document (SID) of the Scheme for further details.

Investment Strategy : The investment team shall follow an active strategy to manage the assets of the fund; however the benchmark composition and the performance shall be kept in mind. The Investment team shall follow a combination of the bottom up and top down approach while making investments. The top down approach shall involve analysis of the macro-economic factors, industry evaluation, benchmark industry allocation, market outlook etc. and shall be used to determine the asset allocation including cash levels and/or the target sector allocation.

This KIM is dated October 5, 2011

The investment team shall also scan the market for opportunities and shall evaluate the individual companies on their merits, leading to the bottom-up investment decision.

Please refer to Scheme Information Document (SID) of the Scheme for complete details.

Risk Profile of the Scheme : Investment in Mutual Fund Units involves investment risks such as trading volumes, settlement risk, liquidity risk, default risk including the possible loss of principal. Please read the SID carefully for details on risk factors before investment. Scheme specific Risk Factors are summarized below:

Due to lock in requirements under the ELSS Guidelines, the ability of the unit holders to redeem units including units issued under dividend re-investment facility and realise returns is subject to a lock in period of three years. Further, in case of the death of the unit holder, the nominee / legal heir, as the case may be, shall be able to redeem units only after the completion of one year, or any time thereafter, from the date of allotment of units to the deceased unitholder.

Risks associated with investments in Equity and Equity related instruments:

Investments in equity and equity related securities involve a degree of risk and investors should not invest in equity schemes unless they afford to take the risk of losing their investment.

Equity instruments by nature are volatile and prone to price fluctuations on a daily basis due to both micro and macro factors. Volatility in the capital markets, changes in policies of the Government, taxation laws or any other political and economic development may negatively affect the prices of the securities invested in by the Scheme. Trading volumes, settlement periods and transfer procedures may restrict the liquidity of some of the investments. The Scheme may inter-alia, also may be exposed to the risk arising from over exposure to few securities/issuers/sectors.

Risks associated with Investments in Fixed Income Securities:

The NAV of the Scheme, to the extent invested in Debt and Money Market securities, will be affected by changes in the interest rates due to various factors such as government borrowing, inflation, economic performance etc. The NAV of the Scheme is expected to increase from a fall in interest rates while it would be adversely affected by an increase in the level of interest rates.

Investments in fixed income securities may inter-alia carry Re-investment Risk, Spread Risk, Credit/Default Risk and Prepayment Risk.

Please refer the SID for further details.

Risk Mitigation Strategies : The asset allocation of the Scheme will be steadily monitored and it shall be ensured that investments are made in accordance with the scheme objective and within the regulatory and internal investment restrictions prescribed from time to time. A detailed process has been designed to identify measure, monitor and manage portfolio risk.

Some of the risks and the corresponding risk mitigating strategies are listed below:

Risk Risk mitigation strategy

The scheme is vulnerable to price fluctuations and volatility changes, which could have a material impact on the overall returns of the scheme.

Endeavour to have a well diversified portfolio of good companies with the ability to use debt including cash for hedging.

Market Risk

Risk arising due to over exposure to few securities/issuers/sectors.

Ensuring diversification by investing across the spectrum of securities/issuers/sectors.

Concentration Risk

Plans and Options

Plans: Nil

The Scheme will offer the following Options across a common portfolio:

• Growth Option

• Dividend Option

The Dividend Option consists the following facilities:

• Reinvestment

• Payout

In cases where the investor fails to opt for a particular Option at the time of investment, the default option will be Growth. If the investor chooses Dividend Option and fails to mention a facility, then the default facility will be reinvestment.

The AMC, in consultation with the Trustee reserves the right to discontinue/ add more options / facilities at a later date subject to complying with the prevailing SEBI guidelines and Regulations.

For details, refer to the SID of the scheme.

Option to hold Units in dematerialised form: The Unit holders are given an Option to hold the units in Physical form (by way of an Account Statement) or Dematerialized (‘Demat’) form.

Each Option held in the dematerialised form shall be identified on the basis of an International Securities Identification Number (ISIN) allotted by National Securities Depositories Limited (NSDL) and Central Depository Services Limited (CDSL). The ISIN No. details of the respective option can be obtained from your Depository Participant (DP) or you can access the website link www.nsdl.co.in or www.cdslindia.com. The holding of units in the dematerialised mode would be subject to the guidelines/ procedural requirements as laid by the Depositories viz. NSDL/CDSL from time to time.

Subscription of units under Dematerialised Mode & allotment thereof:

The Applicants intending to hold the Units in dematerialised mode will be required to have a beneficiary account with a DP of the NSDL/CDSL and will be required to mention the DP's Name, DP ID No. and Beneficiary Account No. with the DP in the application form at the time of subscription/ additional purchase of the Units of the Scheme/Option.

The applicant shall mandatorily attach a self-attested copy of the latest demat account statement/client master statement along with the application forms at the time of initial subscription. The application for subscription would be liable to be rejected by the AMC/ Registrar under the following conditions:

o In case the applicants do not provide their correct Demat Account details in the application form; or

o The demat details provided in the application form are incomplete / incorrect or do not exactly match with the details in the Depository records; and/or

o The mode of holding in the application form does not match exactly with that of the demat mode of holding.

Further, investors also have an option to convert their physical holdings into the dematerialised mode at a later date.

NOTE: It may be noted that the facilities viz. Switch in and out, Systematic Investment Plan (SIP)/ Systematic Withdrawal Plan (SWP)/ Systematic Transfer Plan (STP), are currently not available in the dematerialised mode. It may also be noted that units in the demat mode shall only be credited in the DP account on the basis of realization of funds.

Redemption of Units under Dematerialised Mode:

Investors are requested to note that the Investor Service Centers/Official Points of Acceptance of the Mutual Fund or its Registrar will not accept redemption requests for units held in demat mode. Investors who hold units in demat form, would need to route redemption requests through their DPs in the format prescribed by them.


Applicable NAV (after the scheme opens for repurchase and sale) : The following cut-off timings shall be observed by the Mutual Fund in respect of a valid application received on any business day at an Official Point of Acceptance of transactions:

Subscriptions / Purchases including Switch – ins

Redemptions including Switch - outs

Applicable NAV in case of Redemptions under dematerialised mode:

It may be noted that in case of Redemption of units held in demat mode, the date and time available in the electronic feed from the DP sent to the AMC/Registrar will only be considered for the purpose of determination of Applicable NAV.

Investments in the scheme are subject to compulsory lock-in for three years. Redemption / switch outs can only be initiated post the lock-in period.

Minimum Application Amount/ Number of Units


Systematic Investment Plan (SIP) (for NFO and On-going Offer Period only)

Frequency Monthly and Quarterly

Minimum Installment amount Monthly: ̀ 500 and in multiples of 500

Quarterly: ̀ 1,500 and in multiples of ̀ 500

Minimum SIP period Monthly: 12 months

Quarterly: 4 Quarters

SIP dates* 2nd, 8th, 15th or 23rd of every month

Default SIP date 8th of every month

*In case any of these days fall on a non-business day, the transaction will be effected on the next business day of the Scheme.

Investments in the scheme are subject to compulsory lock-in for three years. Redemption / switch out can only be initiated post the lock-in period.

Transaction charges: In case of SIPs, the transaction charge shall be applicable only if the total commitment through SIPs amounts to ̀ 10,000/- and above. In such cases the transaction charge shall be recovered in 3-4 instalments.

Investors are requested to note that SIP Facility will not be available under demat mode of holding units.

For details, refer to the SID of the Scheme.

Systematic Transfer Plan (STP) (for On-going Offer Period only)

Frequency Monthly

Minimum Installment amount ` 500 and in multiples of ̀ 500

Minimum STP period 12 months

STP dates* 2nd, 8th, 15th or 23rd of every month

Default STP date 8th of every month


Investments in the scheme are subject to compulsory lock-in for three years. STP can only be initiated post the lock-in period.

A minimum period of 8 days shall be required for registration under STP.

Investors are requested to note that STP Facility will not be available under demat mode of holding units.


Systematic Withdrawal Plan (SWP) (for On-going Offer Period only)

Frequency Monthly

Minimum Installment amount ` 500

Minimum SWP period 12 months

SWP dates* 2nd, 8th, 15th or 23rd of every month

Default SWP date 8th of every month


Unitholders of the Scheme have the benefit of enrolling themselves in the Systematic Withdrawal Plan (SWP) after the completion of 3 years lock-in from the date of allotment of units.

A minimum period of 8 days shall be required for registration under SWP.

Investors are requested to note that SWP Facility will not be available under demat mode of holding units.


Despatch of Repurchase (Redemption) request : Within 10 working days of the receipt of the valid redemption request at the authorised centre of the Union KBC Mutual Fund.

Benchmark Index : BSE 100 Index

The Trustee reserves the right to change the benchmark for the evaluation of the performance of the Scheme from time to time, keeping in mind the investment objective of the Scheme and the appropriateness of the benchmark, subject to the Regulations and other prevalent guidelines.

Dividend Policy : The Trustee will endeavour to declare dividend under the Dividend Option of the Scheme, subject to availability of distributable surplus calculated in accordance with the SEBI (Mutual Funds) Regulations, 1996.

Dividends, if declared, will be paid (subject of deduction of tax at source, if any) to those unit holders whose names appear in the register of Unit holders on the notified record date. The dividend warrants shall be dispatched to the unitholders within 30 days of the date of declaration of the dividend. The AMC shall be liable to pay interest to the unitholders at such rate as may be specified by SEBI for the period of such delay (presently @ 15% per annum).

The actual declaration of dividend and the rate of dividend will interalia depend on availability of distributable surplus calculated in accordance with SEBI (Mutual Funds) Regulations, 1996 and the decisions of the Trustee shall be final in this regard.

There is no assurance or guarantee to the unitholders as to the rate of dividend distribution nor will that dividends be declared regularly.

On payment of dividend, the NAV of the Units under the Dividend option will fall to the extent of the dividend payout and applicable statutory levies, if any.

For further details, refer to the SID of the Scheme.

Name of the Fund Manager : Mr. Ashish Ranawade (Chief Investment Officer)

`

Where the application is received upto 3.00 p.m. with a local cheque or demand draft payable at par at a place where it is received

Closing NAV of the day of receipt of application

Applicable NAVCut off Time

Where the application is received after 3.00 p.m. with a local cheque or demand draft payable at par at a place where it is received

Closing NAV of the next business day

Where the application is received upto 3.00 p.m. Closing NAV of the day of receipt of application

Applicable NAVCut off Time

Where application is received after 3.00 p.m. Closing NAV of the next business day

` 500 and in multiples of ` 500 thereafter

Purchase` 500 and in multiples of ` 500 thereafter

Additional PurchaseMinimum of 500 In case of investors / unitholders having available balance less than the minimum application amount in their respective folio on the day of submission of valid redemption request, the minimum redemption limit would be the available balance.Redemption / switchout shall be subject to compulsory lock in period of 3 years.

` Repurchase

Risk Risk mitigation strategy

Risk associated with saleability of portfolio securities.

Monitor the portfolio liquidity periodically. Liquidity Risk

Security price volatility due to movements in interest rate.

Control portfolio duration and periodically evaluate the portfolio structure with respect to existing interest rate scenario.

Interest rate risk

Risk that the debt issuer may default on interest and/or principal payment obligations.

Investment universe carefully defined to include issuers with high credit quality; critical evaluation of credit profile of issuers on an on-going basis.

Credit Risk

Risk arising due to changes in factors affecting markets.

Endeavour to have a well diversified portfolio of good companies, carefully selected to include those with perceived good quality of earnings.

Performance Risk

AUM (` in crores) as on September 28, 2011

No. of folios as on September 28, 2011

159.66 24418

319.84 129

Scheme name

Type Differentiation

Union KBC Equity Fund

Open endedEquityScheme

The scheme invests substantially in a Portfolio consisting of equity and equity related securities. Asset Allocation under normal - Equity & Equity related instruments including equity linked derivatives (75% - 100% of total assets); Debt & Money Market Instruments (0% - 25% of total assets).

Union KBC Liquid Fund

Open Ended Liquid Scheme

The scheme invests substantially in a portfolio of money market and debt securities. Asset Allocation under normal circumstances - Money market and debt instruments with residual maturity upto 91 days (including floating rate debt instruments, securitized debt, mutual fund units of debt schemes) (0 % to 100 % of net assets) where Investments in securitized debt including Pass Through Certificates (PTCs) not to exceed 25% of the netassets of the Scheme as at the time of purchase.

Name of the Trustee company : Union KBC Trustee Company Private Limited.

Performance of the Scheme : This Scheme does not have any performance track record, as it is a new Scheme.

Expenses of the Scheme

(i) Load Structure

New Fund Offer and Continuous Offer

Entry Load*: Nil

Exit Load**: Nil

Load, if any, shall be applicable for switches between eligible schemes of Union KBC Mutual Fund as per the respective prevailing load structure, however, no load shall be charged for switches between options within the scheme of Union KBC Mutual Fund.

*In accordance with SEBI Circular No. SEBI/IMD/CIR No. 4/168230/09 dated June 30, 2009, no entry load will be charged on purchase / additional purchase / switch-in / SIP / STP transactions. The upfront commission, if any, on investment made by the Investor shall be paid by the Investor directly to the Distributor, based on the Investor’s assessment of various factors including the service rendered by the Distributor.

**Exit load/ CDSC (if any) of up to 1% of the redemption value charged to the unit holder by the Fund on redemption of units shall be retained by the Scheme in a separate account and will be utilized for payment of trail commissions to the ARN Holder and to meet other marketing and selling expenses. Any amount in excess of 1% of the redemption value charged to the unit holder as exit load/ CDSC shall be credited to the Scheme immediately.

The AMC / Trustee reserves the right to change / modify the Load structure, subject to the limits prescribed under the Regulations.

For further details on Load Structure, refer to the SID of the Scheme.

(ii) Recurring Expenses

As per the SEBI (Mutual Funds) Regulations, the maximum recurring expenses of the Scheme (including the Investment Management and Advisory Fees) that can be charged to the Scheme shall be subject to a percentage limit of average weekly net assets as given in the table below. Subject to the SEBI Regulations, expenses over and above the prescribed ceiling will be borne by AMC.

First ̀ 100 crores of the average weekly net assets : 2.50%

Next ̀ 300 crores of the average weekly net assets : 2.25%

Next ̀ 300 crores of the average weekly net assets : 2.00%

Balance : 1.75%

Waiver of Load for Direct Applications : Pursuant to SEBI circular no. SEBI/IMD/CIR No.4/168230/09 dated June 30, 2009 no entry load will be charged for purchase / additional purchase / switch-in / SIP/ STP transactions accepted by the Fund. Therefore, the procedure for waiver of load for direct applications is no longer applicable.

Transaction Charges to Distributors : In accordance with the terms of SEBI Circular Cir/ IMD/ DF/13/ 2011 dated August 22, 2011 on Transaction Charges, the AMC/Mutual Fund shall deduct the Transaction Charges on purchase / subscription received from first time mutual fund investors and investors other than first time mutual fund investors through the distributor (who have specifically opted to receive the transaction charges) as under:

o First Time Mutual Fund Investor (across Mutual Funds):

Transaction charge of ` 150/- for subscription of ` 10,000 and above will be deducted from the subscription amount and paid to the distributor/agent of the first time investor and the balance shall be invested.

o Investor other than First Time Mutual Fund Investor:

Transaction charge of ` 100/- per subscription of ` 10,000 and above will be deducted from the subscription amount and paid to the distributor/agent of the existing investor and the balance shall be invested.

Transaction charges shall not deducted for (i) purchases/ subscriptions made directly with the Fund (i.e. not through any distributor); (ii) purchase/subscriptions below ` 10,000/- and (iii) transactions other than purchases/ subscriptions relating to new inflows; (iv) transactions routed through the Stock Exchange mechanism as and when such mechanism shall be allowed


Tax treatment for the Investors (Unitholders) : Investor is advised to refer to the details in the Statement of Additional Information and also independently refer to his/her tax advisor.

Daily Net Asset Value (NAV) Publication : The NAV will be declared on all business days and will be published in 2 newspapers. NAV can also be viewed on www.unionkbc.com and www.amfiindia.com. Investors may also contact any of the Investor Service Centres (ISCs) of Union KBC Mutual Fund.

For Investor Grievances please contact

Investors may also contact any of the Investor Service Centres (ISCs) of the AMC/ Registrar for any queries/ clarifications/ complaints.

For verification of investor’s identity, the service representatives may require personal information of the investor in order to protect confidentiality of information.

The AMC will at all times endeavour to handle transactions efficiently and to resolve any investor grievances promptly.

It may be noted that all grievances/ complaints with regard to demat mode of holding shall be routed only through the DP/NSDL/CDSL.

Unit Holders’ Information

Account Statements: Applicants under the Scheme will have an option to hold the Units either in physical form (by way of an account statement) or in dematerialised form.

• For New Fund Offer Period:

o Non-demat account holders:

An account statement stating the number of units purchased and allotted will be sent through ordinary post or courier and/or electronic mail, within 5 business days from the closure of NFO period

o Demat account holders:

An allotment advice will be sent upon allotment of Units stating the number of Units allotted to each of the Unit holders within 5 Business Days from the date of closure of the NFO Period.

• For Ongoing Offer Period:

o Non-demat account holders:

The AMC shall issue to the investor whose application (other than SIP/STP/SWP) has been accepted, an account statement specifying the number of units allotted. Under normal circumstances, the AMC shall endeavour to dispatch the account statement as soon as possible but not later than 5 working days from the date of receipt of the request from the unitholder.

Account Statement for SIP, STP and SWP will be dispatched once every quarter ending March, June, September and December within 10 working days of the end of the respective quarter. However, the first Account Statement under SIP/STP/ SWP shall be issued within 10 working days of the initial investment/ transfer.

o Demat account holders:

Investors shall receive the demat account statement /demat holding statement directly from the DP with whom the investor holds the DP account. The statement issued by the DP will be deemed adequate compliance with the requirements in respect of dispatch of Statement of Account.

AMC/ Registrar shall send confirmation specifying the number of units allotted to the applicant by way of email and/or SMS’s to the applicant’s registered email address and/or mobile number as soon as possible but not later than five working days from the date of closure of the initial subscription list/the date of receipt of the request from the unitholder.

Annual Account Statement: The Mutual Fund shall provide the Account Statement to the Unit holders who have not transacted during the last six months prior to the date of generation of Account Statements. The Account Statements in such cases may be generated and issued along with the Portfolio Statement or Annual Report of the Scheme.

Account Statement for demat account holders:

Investors shall receive the demat account statement /demat holding statement directly from the DP with whom the investor holds the DP account. The statement issued by the DP will be deemed adequate compliance with the requirements in respect of dispatch of Statement of Account. In case of any specific requirements/queries on the account statement, investor should directly contact the respective DPs.

For further details, refer the SID of the Scheme.

Annual Financial Results: The Scheme wise annual report or an abridged summary thereof shall be mailed (only emailed, where e-mail address is available and registered with the AMC / Registrar / Fund) to all Unit holders not later than four months (or such other period as may be specified by SEBI from time to time) from the date of closure of the relevant accounting year (i.e. 31st March each 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. These results shall also be displayed on the website of the AMC (www.unionkbc.com) and Association of Mutual Funds in India (www.amfiindia.com).

For further details, refer to the SID of the Scheme.

Half yearly Portfolio Disclosure and Unaudited Financial Results: The Mutual Fund/AMC shall publish a complete statement of the Scheme Portfolio and the unaudited financial results, within one month from the close of each half year (i.e. 31st March and 30th September), by way of an advertisement at least, in one National English daily and one regional newspaper in the language of the region where the head office of the Mutual Fund is located. The Mutual Fund may opt to send the portfolio to all Unit holders in lieu of the advertisement (if applicable). The Half Yearly Portfolio Statement and the unaudited financial results will also be displayed on the website of the AMC and AMFI.

Comparison of existing schemes (Name & type of Schemes, differentiation, AUM and no. of folios):

Actual Expenses for the previous financial year: Not

applicable being a new Scheme

Name and Address of Registrar Contact person name, address, telephone number, fax number, e-mail i.d. at Union KBC Mutual Fund

Computer Age Management Services Pvt. Ltd. (R &T)

No. 148, Okkiyam Thorapakkam village,

Old Mahabalipuram Road,

Chennai-600096

Toll free no. : 18002002267

e-mail: [email protected]

Mr. Joseph Idichandy

Head - Investor Relations,

Union KBC Asset Management Company Pvt. Ltd.

7th Floor, Piramal Tower,

Peninsula Corporate Park,

Ganpatrao Kadam Marg,

Lower Parel (W),

Mumbai - 400 013

Phone:022-24833333,

e-mail: [email protected]

THIS P

AGE IS IN

TENTIONALLY

LEFT B

LANK

It may be noted that the combination/ sequence of names and mode of holding in the application form must match exactly with the account held with the Depository participant.

APPLICATION FORM FOR UNION KBC TAX SAVER SCHEMEApplication No.

(Please read the instructions carefully and complete the relevant section legibly in black / dark coloured ink and in BLOCK LETTERS.)

NF

O O

PE

NS

ON

: No

ve

mb

er 8

, 2011 C

LO

SE

S O

N : D

ece

mb

er 9

, 2011

1. EXISTING UNIT HOLDER INFORMATION (Please complete Section 1, 7 & 9 only) * Mandatory

ACKNOWLEDGEMENT SLIP (To be filled in by the investor)

Collection centre’s stamp withdate and time of receipt

Application No.

Received from: Mr./ Ms. /M/s _________________________________________________________________________________

an application for units of ____________________________________________________________________________________

Instrument No_______________________ Amount _____________________________________________________________

(Scheme/Option)

I / We ______________________________________________________________________________________________________________________________________________

authorise you to debit my / our Account No. ̀ (in figures)

` (in words) ________________________________________________________________________________________ to pay for the purchase of units of Union KBC Tax Saver Scheme.

To be detached by the Registrar (CAMS Pvt. Ltd.) and presented to Union Bank of India.

To Branch Manager - Union Bank of India Date ____/____/________

Application No.7A DEBIT MANDATE FOR UNION KBC TAX SAVER SCHEME (Lumpsum Investment)

Signature of Account Holder(s) / Authorised Signatory(ies)( As per Bank records)

(For Union Bank of India account holders only, at CMS locations)

5.

First Applicant

Annual Savings (`)Annual Income (`)Gender

<1L 1L-3L 3L-5L >5LM F

Second Applicant

Third Applicant

Risk Tolerance HighMediumLow

<2L 2L-5L 5L-10L >10L

<2L 2L-5L 5L-10L >10L

<2L 2L-5L 5L-10L >10L <1L 1L-3L 3L-5L >5L

<1L 1L-3L 3L-5L >5L

M F

M F

24-36 months12-24months1-12 months 36 months and aboveInvestment Horizon

INVESTOR PROFILE [Please shade ( )] l

Physical Mode Demat Mode Unitholding Option

Contact details of First Applicant/ PoA Holder/ Contact Person (Refer Section ‘I’ of Instructions) (Please ensure to mention Country and Area Code)

Please provide all your contact details to help us communicate better and ensure smooth processing. If e-mail address is provided all future communication including Account Statement, Annual Report or abridged summary thereof shall be in electronic mode except if physical mode preference has been specifically indicated/ opted. Please indicate your preference below. "Save Paper & the Planet"

Tel. (Res.)

E-mail

MobileTel. (Off.)

Mailing address of First Applicant / Non-individual Investor (P. O. Box address is not sufficient.)

Pin CodeCity State

Area CodeCountryCity

Overseas address (Mandatory for NRI/FII. P. O. Box address is not sufficient. Investors residing overseas and with P. O. Box address please provide your Indian address)

Fax

Country/ Area code

Country/ Area code Country/ Area code

Country/ Area code

4. CONTACT INFORMATION (Refer Section 'J' of instructions)

I/ we wish to receive the Account Statement, Annual Report, Consolidated Account Statement and other statutory documents in Physical E-mail

3.

Name of First Applicant / Non-individual Investor Date of Birth

APPLICANT INFORMATION *[Please shade (l)] (Refer Section 'B' and 'C' and 'H' of instructions) (Please ensure that the details mentioned matches with the KYC details)

D D M M Y Y Y Y(Mandatory in case of minor)

Name of Guardian (In case of minor) / Contact Person (In case of Non-individual Investors)PoA Holder /

Relationship with Minor (Please attach proof for date of birth and relationship) Mother Father Legal Guardian Designation of Contact Person

(For Non-individual Investor)

Mr. Ms. M/s.

Mr. Ms.

Name of Second Applicant Mr. Ms.

Name of Third Applicant

(First time investors, please fill in all the blocks)

PAN and KYC* [Please shade (l)]

Applicant Details

First Applicant

Second Applicant

Third Applicant

PAN (Mandatory for Demat mode)

*Please attach Proof Know Your Client (KYC)(For Demat mode this is optional)

KYC Proof

KYC Proof

KYC Proof

Guardian/ PoA Holder KYC Proof

ProfessionalHousewife Business Retired Student Political Rep.Service Others (Please Specify)OCCUPATION

Single

Joint (Default option)

Anyone or Survivors

Resident Individual

Bank

Society

NRI-NRE

Sole Proprietor

NRI-NRO PIO-NRE

Partnership Firm Govt. Entity Company

Trust

HUFMinor

FII

AOP/ BOI (Please Specify)

StatusMode of Holding(Not applicable for Micro SIP and investor(s) from Sikkim)

PIO-NRO

Others

Physical Mode Demat Mode (If demat account details are provided below, units will be allotted by default in electronic mode only)UNITHOLDING OPTION [Please shade ( )] l2.

Mr. Ms.

Any 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.

TRANSACTION CHARGES FOR APPLICATIONS THROUGH DISTRIBUTORS ONLY. (Refer Section 'K' of instructions)

In case the subscription amount is ̀ 10,000/- or more and your Distributor has opted to receive Transaction Charges, 150/- (for first time mutual fund investor) or 100/- (for investor other than first time mutual fund investor) will be deducted from the subscription amount and paid to the distributor. Units will be issued against the balance amount invested.

` `

Time Stamping

Collection Date

Fo

r Offic

e u

se

on

ly

D D M M Y Y Y YSub-Broker CodeBranch Code

/Broker Code/ ARN MO Code

Lead GeneratorCode

DEMAT ACCOUNT DETAILS (Refer Section ‘H’ of instructions)

NSDL: Depository Participant (DP) Name _______________________

Beneficiary Account Number

DP ID No: I N

Folio No. Application through ASBA [Please shade ( )]l (Refer Section ‘E’ of instructions)Yes No


CDSL: Depository Participant (DP) Name ______________________________

5000240

5000240

5000240

Having read and understood the terms and contents of the Scheme Information Document (SID), Statement of Additional Information (SAI), Key Information Memorandum (KIM), and the relevant addenda thereto, if any of Union KBC Tax Saver Scheme, I/We, hereby apply to the Trustees of Union KBC Mutual Fund for Units of the Union KBC Tax Saver Scheme and agree to abide by the terms and conditions, rules and regulations of the said Scheme. I/We have neither received nor been induced by any rebate or gifts, directly or indirectly in making this investment. I/We hereby nominate the above nominee to receive all the amounts to my/our credits in the event of my/our death and have read the instructions for nomination. I understand that acknowledging receipts to my/our credit will constitute full discharge of liabilities of Union KBC Mutual Fund. I/We declare that the amount invested in the Scheme is through legitimate sources only and is not designed for the purpose of contravention or evasion of any Act, Regulations, Rules, Notifications, Directions or any other applicable laws enacted by the Government of India or any Statutory Authority. 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. Applicable to NRIs only: I/We confirm that I am / We are Non-Resident(s) of Indian Nationality / Origin and I/We hereby confirm that the funds for subscriptions have been remitted from abroad through normal banking channels or from fund in my/our Non Resident External / Ordinary account/ FCNR account(s). I/We hereby agree to have read and understood the terms and conditions with regard to payment of transaction charges as specified in the SID/SAI/KIM and addenda thereto and this application form and instructions thereto.

9. DECLARATION & SIGNATURES* (Refer Section 'L' of instructions)

Sole / First Applicant / Guardian / POA / Authorised Signatory

Second Applicant /POA / Authorised Signatory

Third Applicant POA / Authorised Signatory

/

Signature Signature Signature

Please address all future communication(s) in connection with this application to the Registrar & Transfer Agent of the schemeComputer Age Management Services Pvt. Ltd., Unit: Union KBC Mutual Fund 148, Old Mahabalipuram Road, Okkiyam Thuraipakkam, Chennai - 600097.Toll Free : 1800 200 2267Email: [email protected] | Website: www.camsonline.com

Union KBC Asset Management Company Pvt. Ltd.7th Floor, Piramal Tower, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel (W), Mumbai - 400013.Tel No. : 022 24833333 Website: www.unionkbc.com | Email : [email protected]

I/We hereby nominate the under mentioned Nominee to receive the amounts to my / our credit in the event of my / our death. I/We also understand that all payments and settlements made to such Nominee shall be a valid discharge by the AMC / Mutual Fund / Trustee.

8. NOMINATION DETAILS* [Please shade (l)] (Refer Section 'I' and 'H' of instructions)

Signature of Nominee/ Guardian (not mandatory)

Name of the Nominee : _________________________________________________ Address : ________________________________________________________________________

Relationship : _________________________________________ Date of Birth (In Case of Minor) ______/______/_________

Name of the Guardian (in case of minor): ______________________________________________________________________

@ @ Please register nomination as requested below I/ We wish to nominate multiple nominees I/ We do not wish to nominate

(In case of multiple nominees, please complete the separate nomination form available on our website)

@( Please strike out the form below)

7. INVESTMENT AND PAYMENT DETAILS *[Please shade (l)] (Refer Section 'F', 'G' and 'H' of instructions) (Third Party payment(s) will not be accepted)

Scheme

(Default option will be applied incase of no information, ambiguity or discrepancy)

U N I O N K B C

Option Growth (Default) Dividend Pay Out Dividend Reinvestment

T A X S A V E R S C H E M E

Bank Name

SIP Through Post Dated Cheques

SIP Period From

Drawn on Bank A/c No.

No. of Instalments

2ndSIP Date 8th 15th

SIP Through Auto Debit (Please fill and attach the SIP Auto Debit Form)

To D D M M Y Y Y YD D M M Y Y Y Y

Cheque Nos. To

Instalment Amount in ` (Figures)SIP Frequency Monthly Quarterly

Branch

Payment Mode: Cheque DD RTGS NEFT Fund Transfer

Cheque / DD / RTGS / NEFT No.

Source Bank Name Source Branch

Savings NRE NRO FCNR

Cheque Issuer Name In case the cheque is issued by a person other than the investor

Debit Mandate (Union Bank of India A/C Holders only)

CurrentAccount Type

Cheque / DD / RTGS / NEFT Date D D M M Y Y Y Y

Amount in ( )` wordsAmount in ` (Figures)

Source Bank A/C No.LU

MP

SU

M

^/We here by declare that we do not have any existing SIPs which together with the current application, in a rolling 12 month period, or in a financial year i.e. April to March, will

result in aggregate investments exceeding ` 50,000/-. currently I

(This facility not available in demat mode)

Document Details^in case of Micro SIP Document No.(if any)

Document attached in the case of third party payments Proof / Bank Certificate for DD Third Party Declarations

Document Description

From

SIP

MIC

RO

SIP

23rd

6. BANK ACCOUNT DETAILS* [Please shade ( )] (Refer Section 'D' and 'H' of instructions) (Multiple Bank Accounts Registration form available at www.unionkbc.com)l

Bank Name

Bank A/C No

A/C Type Savings Current NRE NRO FCNR Others

Bank City

Cancelled cheque with name pre-printed

(Please Specify)

Document Attached Bank Statement Pass Book

In case bank details are not provided in 'Multiple Bank Account Registration Form'

as default bank, the above section 5 bank details shall be treated as default bank.

Bank Branch

IFSC CODE MICR CODE

State PIN

(IFSC Code is the 11 digit no appearing on your cheque leaf, mandatory for credit via NEFT/ RTGS) (MICR Code is the 9 digit code next to the cheque no)

For unit holders opting to invest in demat, please ensure that the bank account linked with the demat account is mentioned here.

Document Checklist Individual Company Society Partnership Firms

Investment through POA

Trusts NRI

PAN Card (Investor(s) officials specifically exempt)

from Sikkim, government

KYC Acknowledgement 3Resolution/ Authorisation to investList of authorised signatories with specimen signatures

Memorandum & Articles of Association

Trust DeedBye-laws

Partnership Deed

Notorised POA (signed by investor and POA Holder)

3 3 3 3 3 33

3 3 3 3 33

3 3 3

3 3 3 3 3

3

3

3

3

3Bank Account Proof (Latest available) 3 3 3 3 3 33

3

Demat Holder

3

Demat Statement (Latest available)

Client Master Statement (Latest available)3

3

*For demat holder, submission of KYC is optional.

FII's HUF AOP & BOI

3

3

3 3 3*

3

3

HUF Deed 3

Overseas Auditor's Certificate & SEBI Regn. Certificate 3

INSTRUCTIONS FOR COMPLETING THE APPLICATION FORMA. GENERAL INSTRUCTIONS1. Please read the Scheme Information Document (SID), Statement of Additional Information

(SAI) and Key Information Memorandum (KIM) and relevant addenda, if any, of Union KBC Tax Saver Scheme carefully before investing. All applicants are deemed to have read, understood and 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.

2. The application form must be filled in English in BLOCK letters using black or dark blue coloured ink. Incomplete applications are liable to be rejected. Please refer to the check list to ensure that the requisite details and documents have been provided, this will help in avoiding processing delays and/or rejection of your application form.

3. Correction/cancellation of any information should be countersigned by the applicants / unit holders. Please strike out any section which is not applicable.

4. The application serial number/ folio number and the scheme name should be mentioned on the reverse side of the instrument that accompanies the application.

5. All communications and payments shall be made to the first applicant only, irrespective of the holding basis.

6. The application complete in all respect along with the Cheque / Demand Draft / Pay Order/ Debit Mandate must be submitted to the nearest Customer Service Centre(s) (CSC) / Official Points of Acceptance (OPA) of CAMS or office of the AMC.

7. Any subsequent change in static information like bank details, dividend sub option etc. would be based on written communication from investors. These changes will be effected within 10 days of the valid signed request reaching the office of the Registrar and any interim financial transactions will be effected with last/registered details only.

8. Units allotted are subject to realisation of payment instrument and no financial transactions i.e. redemption/ switch etc will be effected till confirmation of realisation.

9. Investors should mandatorily use the application form/ transaction form/ systematic transaction form and other standard forms available at the CSCs or at our website www.unionkbc.com, for any financial/ non-financial transactions. Any transaction received in any non standard form, is liable to be rejected.

10. List of Official Points of Acceptance is available on the website of the Mutual Fund, www.unionkbc.com.11. The scheme is open for continuous redemption/ switch out on all business days subject to completion

of lock in period of three years from the date of allotment of units, as prescribed in the ELSS guidelines. It may, however, be noted that, in the event of the death of the unitholder, the nominee or legal heir (subject to production of requisite documentary evidence to the satisfaction of the AMC) as the case may be, shall be able to redeem their investment only after the completion of one year, or any time thereafter, from the date of allotment of units to the deceased unitholder.

B. APPLICANT / UNIT HOLDER INFORMATION1. Existing investors please fill your existing folio number. Investment in the same folio will be possible only

if the name(s) of the holder(s), the order of the holders and the mode of holding are the same.2. Please furnish names of all applicants. The name of all the applicants should be mentioned in the

same manner in which it appears in the Permanent Account Number (PAN) Card.3. In case of non-individual applicants, i.e. HUF/ Companies/ AOP / Trusts / Societies / FIIs etc. the name,

designation, e-mail ID and telephone number of the contact person to whom the correspondence should be addressed to should be provided.

4. In case of minor applicant, the minor shall be the first and the sole holder in the folio account. There shall not be any joint holding with minor as the first or joint holder. It is mandatory to provide the minor's date of birth, the name of the guardian and the relationship with minor in the space provided. While applying on behalf of minor, one of the following supporting documents should be provided to substantiate the date of birth and the relationship with guardian i.e. birth certificate of the minor or school leaving certificate / mark sheet issued by Higher Secondary Board of respective states, ICSE, CBSE etc. or Passport of the minor or any other suitable proof evidencing the date of the birth of the minor. In case of court appointed legal guardian, supporting documentary evidence should be provided. Prior to minor attaining majority, the Mutual Fund shall send an advance notice to the registered correspondence address advising the guardian and the minor to submit “Form for minor attaining majority” available on our website www.unionkbc.com along with prescribed documents to change the status of the folio to “Major”. The folio shall be frozen for operation by the guardian on the day the minor attains the age of majority and the guardian will not be able to undertake any financial and non-financial transactions including fresh registration of Systematic Transfer Plan (STP), Systematic Investment Plan (SIP) and Systematic Withdrawal Plan (SWP) after the date of the minor attaining majority till the time the above application form along with the prescribed documents are received by the Mutual Fund. The Mutual Fund shall continue to process the existingstanding instructions like SIP, STP, SWP registered prior to the minor attaining majority and will send an advance notice to the registered correspondence address advising the guardian and the minor that the existing standing instructions will continue to be processed beyond the date of the minor attaining majority till the time a instruction from the major to terminate the standing instruction is received by the Mutual Fund along with the prescribed documents. The standing instruction shall be terminated within 30 days from the date of receiving the instruction.

5. If there is more than one applicant and the mode of holding is not specified, the default mode of holding would be Joint.

6. Please indicate the investor profile and tax status of the first applicant at the time of investment.7. Investors should ensure to write the word 'DIRECT' in the column 'ARN No.' or 'Broker Code' in their

applications for purchase / additional purchase / switch in cases where such applications are not routed through any distributor/agent/broker. In cases where unit holder uses a pre-printed transaction slip/application form where details in the ARN No.' or 'Broker Code' is already printed, alterations, if any, in the column ' ARN No.' Or 'Broker Code' should be counter signed by 1st unit holder, failing which, the application will be processed as if no alterations were made. Any subsequent change/ updation/ removal of broker code will be based on the written request from the unit holders and will be on a prospective basis, only from the date when the registrar executes such written instructions.

8. To help us service you better, please provide your email ID and mobile number.C. PERMANENT ACCOUNT NUMBER (PAN) AND KNOW YOUR CUSTOMER (KYC)1) PAN

Please furnish the PAN and KYC details of each applicant / unit holder, including the guardian and/ or power of attorney (POA) holder as explained in the paragraphs below. It is mandatory for all investors to quote their PAN and submit certified copy of the PAN card issued by the Income Tax Department, irrespective of the amount of investment, while making an application for purchase of units of the scheme. Investors will be required to submit the original PAN card for verification. In case of joint holding, PAN details of all holders should be submitted. In case the application is on behalf of a minor, PAN details of the guardian must be submitted.As per SEBI circular no. MRD/ DoP/MF/Cir - 08/2008 dated April 3, 2008 and circular no. MRD/ DoP/Cir20/2008 dated June 30, 2008 investors residing in the state of Sikkim and Central Government, State Government and the officials appointed by the courts e.g. Official liquidator, Court receiver etc. (under the category of Government) respectively are exempted from the mandatory requirement of PAN for their investments in Mutual Funds. However, this would be subject to verification of the veracity of the claim of the investors by collecting sufficient documentary evidence. The AMC reserves the right to ask for the necessary documentation to the satisfaction of the Mutual Fund. Applications without the aforesaid details are liable to be rejected without any reference to the investors.Micro SIPs exempt from PAN Requirement:Investment through Systematic Investment Plans (SIPs) upto ` 50,000/- per year per investor shall be exempt from the requirement of PAN. The exemption shall be applicable for SIPs where aggregate of installments in a rolling 12 months period or in a financial year i.e. April - March does not exceed ` 50,000. Micro SIP will not be subject to common KYC process through CVL. The exemption shall be available for eligible investors, being individuals (including Joint holders who are individuals, NRIs but not PIOs), Minors, Sole proprietary firms. HUFs and other categories of investors will not eligible for this exemption. However, this would be subject to submission of necessary documents required by the AMC from time to time. Any one of the following PHOTO IDENTIFICATION documents can be submitted along with Micro SIP applications as proof of identification in lieu of PAN: Voter identity card, driving license, government/ defence identification card, passport, photo ration card, photo debit card (credit card not included because it may not be backed up by a bank account), employee ID cards issued by companies registered with registrar of companies, photo identification issued by bank managers of scheduled commercial banks / gazetted Officer / elected representatives to the legislative assembly /parliament, ID card issued to employees of scheduled commercial / state / district cooperative banks, senior citizen / freedom fighter ID card issued by government, cards issued by universities/ deemed universities or institutes under statutes like ICAI, ICWA, ICSI, permanent retirement account No (PRAN) card issued to New Pension System (NPS), subscribers by CRA (NSDL). Any other photo ID card issued by Central Government/ State Governments/ Municipal authorities/ Government organizations like ESIC/ EPFO. Investors residing in the state of Sikkim are also exempted from the mandatory requirement of PAN proof submission; however sufficient document shall have to be submitted for verifying that they are residents of the State of Sikkim i.e. a) Proof of address of Sikkim state and application form should mention the same address. b) Address proof shall be self attested by the investor / attested by the ARN holder mentioning the ARN number or attested by any competent authority.

2) KYC COMPLIANCE WITH ANTI MONEY LAUNDERING (AML) REGULATIONSIn accordance with requirements under the Prevention of Money Laundering Act, 2002, (PMLA) the Rules issued there under and the guidelines and circulars on Anti-Money Laundering issued by SEBI, (collectively "AML Regulations"), Mutual Funds are required to formulate and implement Client Identification Programme to verify and maintain the record of identity and address(es) of investors. This is commonly referred to as 'Know Your Client' guidelines (KYC). With a view to streamline implementation of KYC procedures and ensure compliance with the AML Regulations, the mutual fund

industry has collectively put in place arrangement with an independent agency (currently CDSL Ventures Limited) that will act as central record keeping agency (Central Agency‘), and as Central Agency will have responsibility for collection of documents relating to identity and address of investors. Point of Service (POS) are the designated centres appointed by the Central Agency for receiving KYC application forms together with the requisite KYC documents, processing data and providing KYC Acknowledgement. Presently, it is mandatory for all categories of investors to be KYC compliant and provide a proof of KYC Compliance viz. copy of KYC Acknowledgement letter issued by CDSL Ventures Limited (CVL)/ printout of KYC Compliance Status downloaded from CVL website (www.cvlindia.com), for any amount of investment. Notwithstanding the above, investors / applicants residing in State of Sikkim shall not be subject to the above KYC formalities. In such cases, the client / investors / applicants will have to submit certain documents as elaborated below and KYC will be handled by the AMC / Registrar & Transfer Agent (RTA) directly. For units held in demat form the KYC performed by the Depository Participant of the applicants will be considered as KYC verification done by the Trustee / AMC. In the event of non compliance of KYC requirements, the Trustee/AMC reserves the right to reject the application and refund the application amount.Investors may submit the prescribed KYC Application Forms (available at www.cvlindia.com and www.unionkbc.com ) duly filled in together with photo, proof of identity, proof of address, copy of PAN card, information with regard to financial status and other demographic details, any other requisite information and / or documentation (as mentioned on the KYC Application Form) at any designated Points Of Service‘ (POS) of CVL. The list of POS is available at www.cvlindia.com. The above KYC process is required to be complied with only once to enable transacting across a majority of mutual funds. For further details, please refer to the Section on “Prevention of Money Laundering and Know Your Client (“KYC”) requirements” in the Statement of Additional Information (SAI).

D. BANK ACCOUNT DETAILS / MULTIPLE BANK ACCOUNTS REGISTRATION1. To protect the interest of the applicants / investors from fraudulent encashment of cheques

and as per the SEBI Regulations, it is mandatory for all investors of mutual fund schemes to provide their bank mandate. Applications without the mandatory bank details are liable to be rejected.

2. The investor agrees that the proceeds towards redemptions and dividends will be despatched by the AMC or its Registrar & Transfer Agent through a reasonable mode of despatch like courier, post etc. in case of cheque/demand draft or directly credited to the bank account (as per the details mentioned by the applicant) by using direct credit facility, RTGS or NEFT entirely and solely at the risk of the investor. The Fund may from time to time commence / discontinue Direct Credit arrangements with various banks for direct credit of redemption / dividends.

3. Multiple Bank Accounts Registration Facility:(i) Mutual Fund offers it's investors' facility to register multiple bank accounts for pay-in (except SIP) &

payout purposes and designate one of the bank account as “Default Bank Account”. This facility can be availed by using a designated “Bank Accounts Registration Form”. In case of new investors, the bank account mentioned on the purchase application form used for opening the folio will be treated as default bank account till the investor gives a separate request to register multiple bank accounts and change the default bank account to any of the other registered bank account. Registered bank accounts may also be used for verification of pay-ins (i.e. receiving of subscription funds) to ensure that a third party payment is not used for mutual fund subscription. Default Bank Account will be used for all dividend and redemption payouts unless investor specifies one of the existing registered bank account in the redemption request for receiving redemption proceeds.

(ii) For registering bank details, please enclose cancelled cheque leaf for each of such banks accounts this will help in verification of the account details and register them accurately. The application will be processed only for such accounts for which cancelled cheque leaf is provided. Accounts not matching with such cheque leaf thereof will not be registered. If the bank account number on the cheque leaf is handwritten or investor name is not printed on the face of the cheque, bank account statement or pass book giving the name, address and the account number should be enclosed.

(iii) Any request without the above mentioned documents will be treated as invalid and will not be acted upon and any financial transaction, including redemptions will be carried with the previous details only. Valid change of bank mandate request with supporting documents will be processed within ten days of documents reaching the registrar and transfer agent and any financial transaction request received in the interim will be carried out with previous details only.

(iv) Investors holding units only in non-demat form can avail the facility of registering multiple bank accounts by filling in the ' Bank Accounts Registration Form' available at our Investor Service Centres (ISCs).

4. Proceeds of any redemption request will be sent only to a bank account that is already registered in the folio at the time of redemption transaction processing. Unit holder(s) may choose to mention any of the existing registered bank accounts with redemption request for receiving redemption proceeds. If no registered bank account is mentioned, default bank account will be used. If unit holder(s) provides a new and unregistered bank mandate with a redemption request (with or without necessary supporting documents) such bank account will not be considered for payment of redemption proceeds.

E. APPLICATION THROUGH ASBA (APPLICATION SUPPORTED BY BLOCKED AMOUNT) - ONLY DURING THE NEW FUND OFFER (NFO)

1. Application Supported by Blocked Amount is a facility by which an application can be made for subscribing to the NFO along with an authorisation to SCSB (Self Certified Syndicate Bank) to block the application money in a bank account. SCSBs are registered with the SEBI, which offers the facility of ASBA.

2. Eligible applicants for ASBA maintaining their account in any of the banks as displayed on the website of SEBI, may use ASBA facility subject to fulfilling all the terms and conditions stipulated in this regard.

3. The investor is required to submit a copy of the acknowledgment receipt of the ASBA form submitted to the SCSB along with the NFO application form to Union KBC Mutual Fund.

4. Investor should ensure that sufficient balance is there in the account mentioned in the ASBA form; else the application shall be rejected.

5. If the details provided in the ASBA form are incorrect or incomplete or if any required details are not provided, the application shall be liable to be rejected and Union KBC Mutual Fund or SCSB shall not be liable for losses, if any, to the applicant.

F. INVESTMENT & PAYMENT DETAILS1. Investors/ Applicants should clearly indicate the desired Option/ Facility in the space provided in the

Application Form. In case investor wishes to opt for multiple options, separate application form will have to be filled.

2. In case the investor does not fill the desired Option / Facility properly and clearly and in case of incomplete details, lack of clarity or ambiguity, the default option/ facility will be considered and applied.

Options/ Facility Default Option/ Facility

Growth/ Dividend Growth

Payout/ Reinvestment Reinvestment

3. The following modes of payments are not valid and applications accompanied by such payments are liable to be rejected: i) Multiple cheques with single application (ii) Single cheque with multiple application (iii) outstation cheque (iv) cash / money order / postal order (v) post dated cheques (post dated cheque for investment under SIP will be accepted) (vi) Third party payments (except in certain cases).

4. The cheque or demand draft should be payable locally at the centre where the application is submitted and should be drawn on any bank that is a member of the Bankers' Clearing House.

5. Demand draft charges will not be borne by AMC.6. Unit holder(s) who hold bank account with Union Bank of India need not write out cheques while

investing with us, instead, a debit mandate included within the application form should be completed and signed by the account holders.

7. Dishonoured cheques are liable not to be presented again for collection and the accompanying application forms are liable to be rejected.

8. The subscription payment instrument(s) should be drawn in favour of the Scheme Name. “Union KBC Tax Saver Scheme”.

Non - acceptance of “Third Party Payment” instruments for subscriptions/investments 1. “Third Party Payment Instruments” means a payment made through an instrument issued from an

account other than that of the beneficiary investor. Applications to scheme of Union KBC Mutual Fund accompanied by a Third Party Payment Instrument shall not be accepted by the AMC except in the following cases:a. Payments made by Parents / Grandparents/ Related Persons on behalf of a minor in

consideration of natural love and affection or as gift. However single subscription value shall not exceed above ` 50,000 (including investments through each regular purchase or single SIP instalment).

b. Payments made by an Employer on behalf of employee under Systematic Investment Plans or lump sum/ one-time subscription, through payroll deductions.

c. Custodian making investments on behalf of an FII or a Client.In case a payment is covered under above exceptions, the following additional documents are required to be mandatorily provided together with the application form: i. KYC acknowledgement letter as issued by CDSL Ventures Limited (CVL) / printout of KYC compliance status downloaded from CVL website, of the Investor and the person making the payment. ii. Duly filled “Third Party Payment Declaration Form” from the investor (guardian in case of a minor) and the person making the payment

i.e. third party. The said form shall be available on the AMC’s website/ at the Customer Services Centres.

2. In case of payments from a joint bank account, the sole /first holder of the Mutual Fund folio should be one of the joint holders of the bank account from which payment is made. Therefore, it is important for investors to mention the bank account number, bank name & branch address from where the payment is issued and the same should match with details on payment cheque / debit mandate/payment instrument). Where the payment instrument/ advice does not mention the bank account holder’s names, investors should attach bank pass book /bank statement /bank letter to substantiate that the first unit holder is one of the joint holders of the bank account.

3. In case of subscription through pre-funded instruments such as Pay Order / Demand Draft / Banker’s cheque, such pre-funded instruments should be procured by the investor only against a registered pay-in account. Along with the payment instrument, the investor is also required to submit a certificate from the banker issuing the pre-funded payment instrument stating the account holder’s name and the account number from which the amount has been debited for the issue of the instrument. The said certificate should be duly certified by the bank manager with his / her full signature, name, employee code, bank seal and contact number.

4. Subscription through a pre-funded instrument procured against cash shall only be accepted for investment below ` 50,000. Investor is required to provide a certificate from banker issuing the pre-funded payment instrument stating the name, address and PAN (if available) of the person who has requested for such pre-funded instruments. The said certificate should be duly certified by the bank manager with his / her full signature, name, employee code, bank seal and contact number.

5. In case of subscriptions payment through RTGS, NEFT, NECS, bank transfer etc investor is required to provide a copy of the instruction which has been provided to the bank indicating the account number and the debit instructions. The bank details mentioned on the instruction letter should be registered bank account or the first applicant/ unit holder should be one of the account holders of the bank account.

6. The AMC reserves the right to reject the transaction or call for additional details, if pay-in bank account and other details are not mentioned on the form and/or do not match with payment instrument and/or necessary documents and declaration, as applicable to respective investors and transactions, are not attached or are insufficient.NRI Investors NRIs and PIOs may purchase units of the Union KBC Mutual Fund on a repatriation or non-repatriation basis, while FIIs may purchase units only on a repatriation basis. A subscription by FIIs / Multilateral Funding Agencies, on full repatriation basis, is subject to approval by the Foreign Investment Promotion Board (FIPB).Repatriation basis - In case of NRIs and PIOs residing abroad, investing on repatriable basis, payments may be made either by inward remittance through normal banking channels or out of funds held in a Non- Resident (External) Rupee account (NRE)/ Foreign Currency (Non-Resident) account (FCNR). In case of Indian Rupee Drafts purchased abroad or out of funds held in NRE/ FCNR account, an account debit certificate from the bank issuing the draft confirming the debit to the investor's account should also be submitted with the application form. In case the debit certificate is not provided, the AMC reserves the right to reject the applications. NRIs shall also be required to furnish such other documents as may be necessary and as desired by the Fund in connection with the investment in the Scheme(s). Flls may pay their subscription amounts either by inward remittance through normal banking channels or out of funds held in Foreign Currency Accounts or Non-Resident Rupee Accounts maintained with a designated branch of an authorised dealer. In case, Indian rupee drafts are purchased by the FII from abroad or from Foreign Currency Accounts or Non-resident Rupee Accounts, an account debit certificate from the bank issuing the draft confirming the debit to the investor's account shall also be enclosed. In case the debit certificate is not provided, the AMC reserves the right to reject the applications. Payments shall be made by cheques / demand drafts crossed “Account Payee Only”. AMC may at its discretion accept subscription accompanied with foreign currency instrument. NAV applicable in such case would be of the date when the funds get credited into the Fund's account.Non Repatriation basis - In the case of NRIs investing on non-repatriable basis, payment may be made either by inward remittance through normal banking channels or cheque/demand drafts drawn out of funds held in an NRE / FCNR / Non-Resident ordinary Rupee Account (NRO). FII's are not allowed to make payment on Non repatriable basis. The Trustee/AMC, at its discretion, may choose from time to time to alter or add other modes of payment.

G. SYSTEMATIC INVESTMENT PLAN (SIP) 1. The SIP investment details are as mentioned below:

Option Minimum SIP Amount Minimum No. of installments

Monthly Option ̀ 500/- and in multiples of ̀ 500/- 12

Quarterly Option ̀ 1,500/- and in multiples of ̀ 500/- 4

2. The investors can choose any one of the dates among 2nd, 8th, 15th or 23rd of every month as the SIP date. If investor has not provided the SIP date, the default date will be considered as 8th of the month.

3. Units will be allotted on the applicable dates. In case the date falls on a non-business day or falls during a book closure period, the immediate next business day will be considered for the purpose of determining the applicability of NAV.

4. The SIPs by an investor where the aggregate of instalment value does not exceed ` 50,000/- per year (in a rolling year) shall be exempted from PAN requirement. However, in lieu of PAN, Investor (including joint holders) has to submit any one of the photo identification documents along with the application (Refer Section C). This exemption will be applicable only for investment by individuals (including NRIs but not PIOs), minors and sole proprietary firms. HUFs and other categories will not be eligible for this exemption.

5. The SIP enrolment will be discontinued in cases where three consecutive SIP instalments are not honoured.

6. Unit holders will have the right to discontinue the SIP facility at any time by sending a written request to the Customer Service Centre. Notice of such discontinuance should be received at least 15 days prior to the due date of the next SIP instalment. On receipt of such request, the SIP facility will be terminated and the balance post dated cheque(s), if any, will be returned to the unit holder.SIP through post dated cheques

7. SIP through post-dated cheques is available only during the ongoing offer period.8. In case investors wish to pay future SIPs through post dated cheques, then the SIP DEBIT FORM

should not be filled in. Please mention the second and subsequent instalment cheque details in the space provided for the purpose.

9. Each of the SIP instalments excluding the initial cheque should be of the same amount and date.10. The first investment cheque should be dated with the date of submission of the application form. The

first cheque needs to be from the same bank account as of the post-dated cheques for future SIP Instalment.

11. There should be a minimum of 21 days between the first investment and subsequent SIP instalment.SIP through auto debit facility

12. In case the investor wish to opt for SIP payments through auto debit facility, please indicate the preference in the box provided for the purpose in the application form and fill in the “SIP DEBIT FORM”.

13. In case of payment of first investment through DD/ PO, a copy of the cheque of debit account should be submitted along with application.

14. The “Auto Debit Authorisation” needs to be filled in and signed by the bank account holders in the same order and manner in which the bank account is held by them.

15. There should be a minimum of 30 days between the first SIP instalment and subsequent 2nd SIP instalment

16. Investors will not hold Union KBC Mutual Fund or its registrar and other service providers responsible if the transaction is delayed or not effected or the investor's bank account is debited in advance or after the specific date due to various clearing cycles of ECS and the investor assumes the entire risk of using this facility and takes full responsibility.

17. Please refer to Scheme Information Document (SID) of the scheme for complete details.H. ALLOTMENT OF UNITS IN DEMAT MODE/DEMAT ACCOUNT DETAILS1. Applicants/Unitholders/Investors who wish to hold units in dematerialized form must have a beneficiary

account with National Securities Depository Limited (NSDL) or Central Depository Services (India) Ltd. (CDSL) prior to making the application.

2. Please fill in the DP ID number, DP name and Beneficiary Account number with the DP, in the application form. In case of no details/ incorrect / incomplete details, allotment will be made in physical form provided KYC acknowledgement proof is attached.

3. Ensure that names in the application form should be identical to those appearing in the account details in the depository. In case of joint holders, the names should necessarily be in the same sequence as they appear in the account details in the depository.

4. For allotment in electronic form, units will be credited directly in the demat account of the investor. 5. The details available with the DP regarding demat account of the investor will be updated in the folio of

the investor.6. The ISIN No. details of the respective option can be obtained from your Depository Participant (DP) or

you can access the website link www.nsdl.co.in or www.cdslindia.com.7. The holding of units in the dematerialised mode would be subject to the guidelines/ procedural

requirements as laid by the Depositories viz. NSDL/CDSL from time to time.8. The applicant shall mandatorily attach a self-attested copy of the latest demat account statement/client

master statement along with the application forms at the time of initial subscription.9. The options viz. Daily Dividend, Weekly Dividend and Fortnightly Dividend and the facilities

viz. Switch in and out, Systematic Investment Plan (SIP)/ Systematic Withdrawal Plan (SWP)/ Systematic Transfer Plan (STP), if applicable under the Scheme, are currently NOT available in the dematerialised mode.

10. Submission of KYC acknowledgement proof is optional.

11. In case of those unit holders, who hold units in demat form, the bank mandate available with the respective DP will be treated as the valid bank mandate for the purpose of pay-in at the time of subscription or purchase/ pay-out at the time of maturity or at the time of any corporate action.

12. The investor who holds units in the demat mode is required to place an order for redemption (subject to applicable limits prescribed in SID, if any or as may be communicated from time to time) directly with the DP.

13. For those investors who hold units in Demat mode, all non-financial transaction such as Change in Address, Bank Mandate, Nominee Registration etc should be routed directly through their DP’s as per the format defined by them.

14. It may also be noted that units in the demat mode shall only be credited in the DP account on the basis of realization of funds.

15. If the Unit holder desires to convert the Units in a dematerialised form at a later date, the unitholder need to contact the DP for detailed procedure.

16. For the detailed procedure and other provisions on holding units in the Demat mode investors may refer to the SID/ SAI/ KIM and addendums thereto.

I. NOMINATION DETAILSTo avoid any cumbersome procedures for the legal heirs to transfer the investment of the deceased holder, it is recommended to register nomination. Investor can change the nominee as many times as he/she/they wish by registering a revised nomination form.

1. As per SEBI Regulations, applicants/unit holder may nominate a maximum of 3 person(s) to whom the amounts will be payable in the event of death of the sole or all unit holders as the case may be, in respect of investment under a folio.

2. Investors who desire to make nomination in respect of multiple nominees should clearly specify the percentages to be allocated between the nominees. If no percentages are mentioned, nomination will be done equally for all the nominees.

3. Where a folio has joint holders, all joint holders should sign the request for nomination/ cancellation of nomination, even if the mode of holding is not “joint”.

4. Nomination shall be mandatory for new folios subscribed by individual especially with sole holding. Those investors who do not wish to nominate must sign separately confirming their non-intention to nominate.

5. Every new nomination for a folio will overwrite the existing nomination.6. Nomination can be made only by investors who opt for allotment in physical form (non demat form). In

case the units are held in demat form, the nomination details as recorded with the depository account will be applicable.

7. The nomination may be only by individual's applying for/holding units on their own behalf, singly or jointly. Non-individuals including Society, Trust, Body Corporate, Partnership Firm, Karta of HUF, holder of POA cannot nominate. Nomination is also not allowed in a folio held on behalf of a minor. If no Guardian is provided, nomination of minor will be invalid. The Guardian should be a person other than the Unitholder.

8. A minor can be nominated and in that event, the name and address of the guardian of the minor nominee shall be provided in the application. Nomination can also be in favour of the Central Government, State Government and a local authority, any person designated by virtue of his office or a religious or charitable trust.

9. The Nominee shall not be a trust (other than a religious or charitable trust), Society, Body Corporate, Partnership Firm, Karta of Hindu Undivided Family or a Power of Attorney Holder.

10. A Non-Resident Indian can be a nominee subject to the exchange control regulations in force, from time to time.

11. Transfer of units in favour of a nominee shall be valid discharge by the AMC against the legal heir.12. The cancellation of nomination can be made only by the individual(s) who hold units on their own

behalf singly or jointly and who made the original nomination. On cancellation of the nomination, the nomination shall stand rescinded and the AMC shall not be under any obligation to transfer the units in favour of the Nominee. Further, Nomination in respect of the units stands rescinded upon the transfer of units.

13. The rights in the units will vest in the nominee(s) only upon the death of all unit holders.14. For multiple nomination form, please contact the nearest AMC office or Registrar. The form can be

obtained from the website www.unionkbc.com 15. The applicant(s) / investor(s) by signing this nomination form is / are deemed to have read and

understood the provisions of Regulation 29A of the SEBI (Mutual Funds) Regulations, 1996, read with SEBI Circular dated February 16, 2004 and/or any amendments thereto or any rules / regulations framed in pursuance thereof governing the nomination facility and agree/s to be bound by the same.

16. The Nomination facility extended under the scheme is subject to existing laws. The AMC shall, subject to production of such evidence which in their opinion is sufficient, proceed to effect the payment / transfer to the Nominee(s). Transfer of Units / payment to the nominee(s) of the sums shall discharge the Mutual Fund / AMC of all liability towards the estate of the deceased Unit holder and his / her / their successors / legal heirs.

J. OTHER FACILITIES / E-MAIL COMMUNICATION.1. Account statements/ Consolidated Account Statement, newsletters, Annual Reports/abridged

summary thereof and other kinds of communication will be sent only through e-mail instead of physical, for investors who have provides their e-mail address on the application forms. However, in case the investors wish to get the hard copy of these documents, they are requested to specifically indicate their preference in the application forms or send an e-mail to [email protected] or contact the customer service centre. In case, the email is not provided in the form, the documents shall be sent by physical mode by default.

2. It is deemed that the unit holder is aware of all the security risks associated with online communication, including possible third-party interception of documents sent via email.

K. DEDUCTION OF TRANSACTION CHARGE FOR INVESTMENTS THROUGH EMPANELLED DISTRIBUTORS OF THE FUND:

1. In accordance with the terms of SEBI Circular Cir/ IMD/ DF/13/ 2011 dated August 22, 2011 on Transaction Charges, the AMC/Mutual Fund shall deduct the Transaction Charges on purchase / subscription received from first time mutual fund investors and investor other than first time mutual fund investors through the distributor (who have specifically opted to receive the transaction charges) as under:• First Time Mutual Fund Investor (across Mutual Funds):

Transaction charge of ̀ 150/- for subscription of ̀ 10,000/- and above will be deducted from the subscription amount and paid to the distributor/agent of the first time investor and the balance shall be invested.

• Investor other than First Time Mutual Fund Investor:Transaction charge of ̀ 100/- per subscription of ̀ 10,000/- and above will be deducted from the subscription amount and paid to the distributor/agent of the existing investor and the balance shall be invested.

It may be noted that the transaction charges shall be subject to the following:• Transaction charges in case of investments through Systematic Investment Plan (SIP)

shall be deducted only if the total commitment (i.e. amount per SIP installment x No. of installments) amounts to ` 10,000/- or more. The Transaction Charges shall be deducted in 4 equal installments commencing from the second SIP installment.

• Distributors shall be able to choose to “opt in” OR “opt out” of charging the transaction charge. However, the option exercised by the Distributor is required to be at distributor level and not investor level i.e. a distributor shall not charge one investor and choose not to charge another investor.

• Transaction charges shall not be deducted for:a. purchases /subscriptions for an amount less than ̀ 10,000/-;b. transactions other than purchases/ subscriptions relating to new inflows such as

Switch/ STP/SWP/Dividend Sweep etc.c. purchases/ subscriptions made directly with the Fund (i.e. not through any

distributor).d. Transaction routed through the Stock Exchange mechanism as and when such

mechanism shall be allowed.It may be further noted that the transaction charges are in addition to the existing system of commission permissible to the Distributors. It is further clarified that pursuant to SEBI Circular No. SEBI/IMD/CIR No. 4/ 168230/09, dated June 30, 2009, upfront commission to distributors shall continue to be paid by the investor directly to the distributor by a separate cheque based on his assessment of various factors including the service rendered by the distributor.

L. DECLARATION AND SIGNATURE(S)1. Signature(s) should be in English or in any of the Indian languages specified in the eighth schedule of

the Constitution of India.2. Thumb impressions (left hand for males and right hand for female) and signatures in languages not

specified in the Eighth Schedule of the Constitution of India should be attested by a Magistrate or a Notary public or a Special Executive Magistrate under his/ her official seal.

3. Applications by minors should be signed by their guardians.4. In case of an HUF, the Karta should sign on behalf of the HUF.5. If the application form is signed by a Power of Attorney (POA) holder, the form should be accompanied

by a notarised photocopy of the PoA. Alternatively, the original PoA may be submitted with the application, which will be returned after verification. If the PoA is not submitted with the application, the application form will be rejected.

6. In case of non-individual investors, a list of authorised signatories should be submitted along with application form or in case of any change in the authorised signatories list; the AMC/ Registrar must be notified within 7 days.

ACKNOWLEDGEMENT SLIP (To be filled in by the investor)

Collection centre’s stamp withdate and time of receipt

Application No.

Received from: Mr./ Ms. /M/s _________________________ ___________________

First Cheque No. ____________________________Dated ____/____/________ Amount (`) ______________________________

Scheme / Option / Frequency ________________________________________________________________________________,

Amount (`) _______________________ SIP Period ________________________Date of Commencement ____/____/________

______________ Dated____/____/________

SIP through ECS /Auto Debit Form

Registration Cum Mandate Form For ECS (Debit Clearing) / Direct Debit

(Please read the instructions overleaf carefully and complete the relevant section legibly in black / dark coloured ink and in BLOCK LETTERS.)

Folio No./ Application No.

SYSTEMATIC INVESTMENT PLAN (SIP) - AUTO DEBIT FORM

I/We hereby declare that the particulars given above are correct and express my willingness to make payments referred above to debit my/our account directly or through participation in ECS. If the transaction is delayed or not effected for reasons of incomplete or incorrect information, I / We would not hold the user institution responsible. I / We will also inform AMC, about any changes in my/our bank account. I/We do not have any existing SIP/Micro SIPs which together with the current Micro SIP application will result in aggregate investments exceeding 50,000 in a year (applicable to Micro SIP investors only). 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. I/ We have read and agreed to the terms and conditions mentioned in SID/KIM.

`

4. DECLARATION & SIGNATURES (Refer Section 'E' of Instructions)

Sole / First Applicant / Guardian /POA / Authorised Signatory

Second Applicant /POA / Authorised Signatory

Third Applicant/POA / Authorised Signatory


2. INVESTMENT DETAILS [Please shade ( )] (Refer Section 'C' of Instructions) Please allow minimum 30 days for ECS/ Direct Debit/ Standing Instructions to register and start.l

Document Detailsin case of Micro SIP Document No.(if any)

Document Description

Document attached in the case of third party payments Proof / Bank Certificate for DD Third Party Declarations

U N I O N K B C

SIP Period From To D D M M Y Y Y YD D M M Y Y Y Y

SIP Amount in ` (Figures)

Scheme

Dividend Frequency

SIP Date 2nd 8th 15th

D D M M Y Y Y YDated

New SIP Registration SIP Renewal Change in SIP Bank Mandate Micro SIP

SIP Frequency Monthly Quarterly

Cheque/DD Amount in `First SIP Cheque/DD No

Option Sub Option

Folio No. (For Existing Unit Holders) Application No.OR (For New Investors)

Name of First Applicant/ Unit Holder [Please shade ( )] l Mr. Ms. M/s. Permanent Account Number (PAN)

1. APPLICANT INFORMATION [Please shade (l)] (Refer Section 'A and B' of Instructions)

I/We hereby certify that the particulars furnished above are correct as per our records and we hereby declare that the copy of this form, duly completed , has been submitted to us.

FOR BANK USE ONLY

Bank Stamp and Signature of Authorised Bank Official

A/C No

AUTO DEBIT AUTHORISATION BY BANK ACCOUNT HOLDER (Refer Section 'F' of Instructions)

First Account holder's (As in Bank Records) Second Account holder's (As in Bank Records) Third Account holder's (As in Bank Records)


This is to inform that I/We have registered for the RBIs Electronics Clearing Service (Debit Clearing)/Auto debit-facility and that my payment towards my SIP installments of Union KBC Mutual Fund shall be made from my/our above mention bank account with your bank. I/We authorise the representative carrying this ECS/Auto debit form to get it verified and executed. I/We hereby authorise you to debit verification charges if any from my account.

I/We hereby, authorise Union KBC Mutual Fund and their authorised service providers, to debit my/our following bank account through ECS (Debit Clearing)/Auto debit to account for collection of SIP payments.

3. BANK ACCOUNT DETAILS (as per Bank records) [Please shade ( )] (Refer Section 'D' of Instructions)l

Name of Bank

Bank Account Number

Branch & City

IFSC CODE MICR CODE

Account Type Savings Current NRE NRO FCNR Others (Please Specify)

Name of Sole/ First Bank Account Holder

Name of Second Bank Account Holder

Name of Third Bank Account Holder

(please provide Core Banking Account Number only)

Mandatory to submit a cancelled cheque leaf of the bank account mentioned here

(IFSC Code is the 11 digit no appearing on your cheque leaf, mandatory for credit via NEFT/ RTGS) (MICR Code is the 9 digit code next to the cheque no)

PIN

Any 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.

Time Stamping

Collection Date

Fo

r Offic

e u

se

on

ly

D D M M Y Y Y Y

Recorded on Recorded byD D M M Y Y Y Y

The Branch Manager

Branch

Bank Branch

5.

23rd

Sub-Broker CodeLead Generator Code

/Broker Code/ ARN

BranchCode

MO Code

5000240

5000240

Please address all future communication(s) in connection with this application to the Registrar & Transfer Agent of the scheme

Computer Age Management Services Pvt. Ltd.,

Unit: Union KBC Mutual Fund

148, Old Mahabalipuram Road, Okkiyam Thuraipakkam, Chennai - 600097.

Toll Free : 1800 200 2267

Email: [email protected] | Website: www.camsonline.com

Union KBC Asset Management Company Pvt. Ltd.7th Floor, Piramal Tower, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel (W), Mumbai - 400013.Tel No. : 022 24833333 Website: www.unionkbc.com | Email : [email protected]

A. GENERAL INSTRUCTIONS1. Please read the Scheme Information Document (SID), Statement of

Additional Information (SAI) and Key Information Memorandum (KIM) and relevant addenda, if any, of Union KBC Tax Saver Scheme carefully before investing. All applicants are deemed to have read, understood and 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.

2. PAN and KYC is mandatory requirement for all investors for investing in mutual fund, except for Micro SIP investments and investors from Sikkim. Micro SIP exemption will be applicable only to investments by individuals (including NRIs but excluding PIOs), minors, sole proprietary firms and to investments made by joint holders.

3. Existing unit holders need not fill in the Investment Application Form. New applicants need to compulsorily fill in all sections in the Investment Application Form in addition to Systematic Investment Form. The Application No. must be compulsorily mentioned in the Systematic Investment Form.

4. We would send an Account Statement confirming systematic investment within 10 working days from the date of first systematic investment transaction. Confirmation for subsequent Systematic Investments would be sent on a quarterly basis.

5. The scheme is open for continuous redemption/ switch out on all business days subject to completion of lock in period of three years from the date of allotment of units, as prescribed in the ELSS guidelines. It may, however, be noted that, in the event of the death of the unitholder, the nominee or legal heir (subject to production of requisite documentary evidence to the satisfaction of the AMC) as the case may be, shall be able to redeem their investment only after the completion of one year, or any time thereafter, from the date of allotment of units to the deceased unitholder.

B. APPLICANT / UNIT HOLDER INFORMATION1. Please furnish the existing folio number/ application number of common

application form, name and PAN details of sole/first unit holder in section 1.C. INVESTMENT DETAILS

1. Please indicate whether the request is for registration of a new SIP/Micro SIP, renewal of an existing SIP or for change in bank mandate of an existing SIP.

2. Please furnish/indicate the following details with respect to systematic investment:-a. Scheme/Option/Sub option and dividend frequency, wherever applicable.b. Instalment amount (Minimum ` 500/- and in multiples of ` 500/- thereafter,

Number of SIP instalments (Minimum 12).c. SIP Frequency (Monthly/Quarterly) and SIP Date (2nd 8th 15th and 23rd of

every month).d. Details of the first SIP cheque.e. Micro SIP - Indicate the details of photo identification documents of all the

holders. (The documents have to be current and valid and also either self attested or attested by an ARN holder.)

3. First SIP investment can be for any day of the month. However, please note that there has to be a minimum gap of 30 days between first investment and first SIP instalment.

4. Each of the SIP instalments excluding the initial cheque should be of the same amount and date.

5. If the Scheme name differs between application form and cheque, name mentioned on the cheque will be considered for allotment.

6. In case the applicant/ unit holder have not indicated SIP preferences completely in the form or in case of any discrepancy, we would presume the same as follows: SIP frequency: Monthly; SIP date: 8th; No. of instalments: 12; Scheme name: same as mentioned on the 1st cheque, SIP amount : same as mentioned on the 1st cheque.

7. Mutual Fund shall register instructions of SIP in a minor's folio only till the date on which the minor attains majority, even if the SIP instructions are for a period beyond that date.

8. Any one of the following photo identification documents can be submitted along with Micro SIP applications as proof of identification in lieu of PAN i.e. Voter identity card, driving licence, Government/ Defense identification card, passport, photo ration card, photo debit card, employee ID cards issued by

companies registered with Registrar of Companies, photo identification issued by bank managers of scheduled commercial banks/ gazetted officer/ elected representatives to the legislative assembly/ parliament, ID card issued to employees of scheduled commercial/ state/ district cooperative banks, senior citizen/ freedom fighter ID card issued by Government, cards issued by universities/ deemed universities or institutes under statutes like ICAI, ICWA, System (NPS) subscribers by CRA (NSDL), any other photo ID card issued by Central Government/ State Governments/ Municipal authorities/ Government organizations like ESIC or EPFO.

9. Micro SIP application will be rejected by the AMC where it is found that the registration of the application will result in the aggregate of Micro SIP instalments in a financial year exceeding ` 50,000/- or where there are deficiencies in the documents submitted by the investors in lieu of PAN as mentioned above.

D. BANK ACCOUNT DETAILS1. Please furnish the Bank account details from which the SIP Auto Debit is to be

effected.2. Please note that the first account holder in bank records need not necessarily

be the first applicant / unit holder in the Applicant/Unit holder information section on this form.

3. It is mandatory to furnish the 9 Digit MICR Code of your Bank in this section. This is the number appearing next to the cheque number on the MICR band at the bottom of the cheque. In the absence of this information, SIP application is liable to be rejected.

4. In case the first SIP investment is through a DD or a Pay Order, please enclose either a cancelled cheque leaf or a copy of a cheque of the account for which ECS (Debit Clearing)/ Direct Debit is to be registered. If it is through a cheque, please ensure that the cheque needs to be from the same bank account which would help us in verifying bank details appearing in the cheque with the details furnished in this form and in case of any discrepancies, to inform the investor for early corrective action.

5. Where the payment instrument/advice does not mention the bank account holders' name(s), investor should provide self-attested bank pass book copy/ bank statement/ bank letter to substantiate that the first unit holder is one of the joint holders of the bank account. In case of a mismatch, it will be deemed to be a 3rd party payment and rejected except under the following exceptional circumstances:• Payment by parents / grand-parents / related persons on behalf of a minor

(other than the registered guardian) in consideration of natural love and affection or as gift provided the purchase value is less than or equal to ` 50,000/- and KYC is completed for the registered Guardian and the person making the payment. Additional declaration in the prescribed format signed by the guardian and Parents/ Grand-Parents/ Related persons is also required along with the application form.

• Payment by an Employer on behalf of Employee under Systematic Investment Plans through Payroll deductions provided KYC is completed for the employee who is the beneficiary investor and the employer who is making the payment. Additional declaration in the prescribed format signed by and is also required along with the application form.

• Custodian on behalf of an FII or a Client provided KYC is completed for the Investor and Custodian. Additional declaration in the prescribed format signed by and is also required along with the application form.

6. Please note that in the event of a minor mismatch between the bank account number mentioned in the application form and as appearing in the cheque leaf submitted, bank account number would be updated based on the cancelled cheque leaf provided the name(s) of the investor/applicant appears in the cheque leaf.

E. DECLARATION & SIGNATURES1. This section needs to be signed by the applicant(s)/ unit holder(s) at the places

marked as per the mode of holding recorded with us (i.e. 'Single', 'Anyone or Survivor' or 'Joint').

F. AUTO DEBIT AUTHORISATION BY BANK ACCOUNTHOLDER(S)1. Please indicate the name of the bank & branch, bank account number.2. If the mode of operation of bank account is joint, all bank account holders would

need to sign at the places marked in the same order and manner in which their signatures appear on bank account.

INSTRUCTIONS FOR COMPLETING SIP AUTO DEBIT FORM

1. The cities / banks / branches in the list may be modified/updated/changed/removed at any time in future entirely at the discretion of Union KBC Mutual Fund without assigning any reasons or prior notice. If any city / bank / branch is removed, SIP instructions for investors in such city / bank / branch via (ECS) (Debit Clearing) / Direct Debit route will be discontinued without prior notice.List of Cities for SIP Auto Debit Facility via ECS (Debit Clearing)

2. Applications for SIP Auto Debit (ECS/Direct Debit) Facility would be accepted only if the bank branch participates in local MICR/ECS clearing.3. In case the investor’s bank chooses to cross verify the auto debit mandate with him/her as the bank's customer, investor would need to promptly act on the same. Union KBC Mutual

Fund, its Registrar and other service providers will not be liable for any transaction failures due to rejection of the transaction by investors bank/branch or its refusal to register the SIP mandate or any charges that may be levied by the Bank/Branch on investor/applicant.

4. Union KBC Mutual Fund/ Union KBC Asset Management Company Limited, its registrars and other service providers shall not be responsible and liable for any damages/ compensation for any loss, damage etc. incurred by the investor. The investor assumes the entire risk of using this facility and takes full responsibility.

5. The SIP enrolment will be discontinued in cases where three consecutive SIP instalments are not honoured or the Bank Account [for ECS (Debit clearing)/Direct Debit] is closed and request for change in bank account [for ECS (Debit clearing) / Direct Debit] is not submitted at least 30 days before the next SIP Auto Debit. If, upon termination / cancellation of SIP it is observed, that the investors unit holding in the scheme is less than the minimum investment requirement for the scheme, units are liable to be redeemed at the applicable NAV.

6. Union KBC Mutual Fund reserves the right not to re-present any mandate for Auto Debit facility, if the registration could not be effected in time for reasons beyond its/their control.7. Applicant/ unit holder can change bank account or discontinue this facility by giving 15 days written notice to any of our customer service centres.

TERMS AND CONDITIONS

AgraAhmedabadAllahabadAmritsarAnandAsansolAurangabadBangaloreBardhamanBarodaBelgaumBhavnagarBhilwara

BhopalBhubaneshwarBijapurBikanerCalicutChandigarhChennaiCochinCoimbatoreCuttackDargeelingDavangereDehradun

DelhiDhanbadDurgapurErodeGadagGangtokGoaGorakhpurGulbargaGuwahatiGwaliorHaldiaHubli

HyderabadIndoreJabalpurJaipurJalandharJammuJamnagarJamshedpurJodhpur KakinadaKanpurKolhapurKolkata

KotaLucknowLudhianaMaduraiMandyaMangaloreMumbaiMysoreNagpurNasikNellorePatnaPondicherry

PuneRaichurRaipurRajkotRanchiSalemShimla ShimogaSholapurSiliguriSuratThirupurTirunelveli

TirupatiTrichurTrichyTrivandrumTumkurUdaipurUdipiVaranasiVijaywadaVizag

List of Banks for SIP Direct Debit FacilityAxis Bank, Bank of Baroda, Bank of India, Citibank, Corporation Bank, IDBI Bank, IndusInd Bank, Kotak Bank, Punjab National Bank, State Bank of India, Union Bank of India

(Please read the Scheme Information Document/Key Information Memorandum and instructions carefully before filling up this form.)

ACKNOWLEDGEMENT SLIP (To be filled and attached by the Applicant with the NFO Application Form) ASBA Application No.

Date: / /

UNION KBC TAX SAVER SCHEME

(To be submitted to Self Certified Syndicate Bank (SCSB))

(An Open-ended Equity Linked Savings Scheme with lock in period of 3 Years)

UNION KBC TAX SAVER SCHEME(An Open-ended Equity Linked Savings Scheme with lock in period of 3 Years)

NFO OPENS ON: November 8, 2011 NFO CLOSES ON: December 9, 2011

SCSB ReceiptSignature Stamp and Date

Option Growth Dividend Pay Out Dividend Reinvestment

Received from Mr./Ms/Mrs/M/s:

Address

SCSB Account Details Account Number

Bank Name Branch Name

Total Amount to be blocked ` (Figures)

Total Amount to be blocked ` words ( )

APPLICATION SUPPORTED BY BLOCKED AMOUNT (ASBA) FORM

NFO OPENS ON : November 8, 2011 CLOSES ON : December 9, 2011

2. APPLICANT INFORMATION [Please shade (l)] (Name should be as available in demat account)

NAME OF FIRST / SOLE APPLICANT

PAN OF FIRST APPLICANT

Mr. Ms. M/s.

Date

DISTRIBUTOR INFORMATION FOR OFFICE USE ONLY

ASBA Application No.

Sub-Broker Code/Branch Code

Name and ARN SCSBSCSB IFSC

Code

Syndicate MemberStamp & Code

SCSB BranchSr. No.

Name & Code 11 digit Code Name & Code

1. Folio No. (If you have an existing Folio No, please mention the No here)

4. DETAILS OF BANK ACCOUNT FOR BLOCKING OF FUNDS [Please shade (l)] (Bank account should be in the name of first applicant only)

Bank Name

Bank Account No

Total Amount to be blocked ` (Figures)

Branch Name

` words( )

Account Type [Please shade ( )]l FCNRNRO NRE Current Savings

Bank City

1)l/We hereby undertake that l/We am/are an ASBA lnvestor as per the applicable provisions of the SEBl (lssue of Capital and Disclosure Requirements), Regulations 2009 (‘SEBl Regulations’) as amended from time to time. 2) ln accordance with ASBA process provided in the SEBl Regulations and as disclosed in this application, l/We authorize (a) the SCSB to do all necessary acts including blocking of application money towards the Subscription of Units of the Scheme, to the extent mentioned above in the “SCSB / ASBA Account details” or unblocking of funds in the bank account maintained with the SCSB specified in this application form, transfer of funds to the Bank account of the Scheme/Union KBC Mutual Fund on receipt of instructions from the Registrar and Transfer Agent after the allotment of the Units entitling me/us to receive Units on such transfer of funds, etc. (b) Registrar and Transfer Agent to issue instructions to the SCSB to remove the block on the funds in the bank account specified in the application, upon allotment of Units and to transfer the requisite money to the Scheme’s account / Bank account of Union KBC Mutual Fund Mutual Fund. 3) ln case the amount available in the bank account specified in the application is insufficient for blocking the amount equivalent to the application money towards the Subscription of Units, the SCSB shall reject the application 4) lf the DP lD, Beneficiary Account No. or PAN furnished by me/us in the application is incorrect or incomplete or not matching with the depository records, the application shall be rejected and the Union KBC Mutual Fund Mutual Fund or Union KBC Mutual Fund Asset Management Company Limited or Union KBC Mutual Fund Trustee Company Limited or SCSBs shall not be liable for losses, if any. All future communication in connection with NFO should be addressed to the SCSB/RTA/AMC quoting the full name of the Sole/First Applicant, NFO Application Number, ASBA Application Number, Depository Account details [if it has been provided], Amount applied for and the account number from where NFO amount was blocked.

UNDERTAKING BY ASBA INVESTOR & SIGNATURE

3. INVESTMENT DETAILS [Please shade ( )] l

UNION KBC TAX SAVER SCHEME Growth Dividend Pay Out

Having read and understood the terms and contents of the Scheme Information Document (SID), Statement of Additional Information (SAI), Key Information Memorandum (KIM), and the relevant addenda thereto, if any of Union KBC Tax Saver Scheme, I/We, hereby apply to the Trustees of Union KBC Mutual Fund for Units of the Union KBC Tax Saver Scheme and agree to abide by the terms and conditions, rules and regulations of the said Scheme. I/We have neither received nor been induced by any rebate or gifts, directly or indirectly in making this investment. I/We hereby nominate the above nominee to receive all the amounts to my/our credits in the event of my/our death and have read the instructions for nomination. I understand that acknowledging receipts to my/our credit will constitute full discharge of liabilities of Union KBC Mutual Fund. I/We declare that the amount invested in the Scheme is through legitimate sources only and is not designed for the purpose of contravention or evasion of any Act, Regulations, Rules, Notifications, Directions or any other applicable laws enacted by the Government of India or any Statutory Authority. 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. Applicable to NRIs only: I/We confirm that I am / We are Non-Resident(s) of Indian Nationality / Origin and I/We hereby confirm that the funds for subscriptions have been remitted from abroad through normal banking channels or from fund in my/our Non Resident External / Ordinary account/ FCNR account(s). I/We hereby agree to have read and understood the terms and conditions with regard to payment of transaction charges as specified in the SID/SAI/KIM and addenda thereto and this application form and instructions thereto.

7. DECLARATION AND SIGNATURES

Signature of Bank Account HolderSignature of Bank Account Holder Signature of Bank Account Holder

Tel. (Res.)

E-mail

MobileTel. (Off.)

Fax

Country/ Area code

Country/ Area code Country/ Area code

Country/ Area code

CONTACT DETAIL OF THE FIRST APPLICANT/GUARDIAN/CORPORATE5.

Please provide all your contact details to help us communicate better and ensure smooth processing. If e-mail address is provided all future communication including Account Statement, Annual Report or abridged summary thereof shall be in electronic mode except if physical mode preference has been specifically indicated/ opted. Please indicate your preference below. "Save Paper & the Planet"

I/ we wish to receive the Account Statement, Annual Report, Consolidated Account Statement and other statutory documents in Physical E-mail


It may be noted that the combination/ sequence of names and mode of holding in the application form must match exactly with the account held with the Depository participant.

DEMAT ACCOUNT DETAILS

National Securities Depository Limited (NSDL) Central Depository Service (India) Limited CDSL

Depository Participant (DP) Name

DP ID No:

Depository Participant (DP) Name

DP ID No:

(16 digit Beneficiary Account No to be mentioned above)

6.

Dividend Reinvestment

5000240

5000240

Please address all future communication(s) in connection with this

application to the Registrar & Transfer Agent of the scheme

Computer Age Management Services Pvt. Ltd.,

Unit: Union KBC Mutual Fund

148, Old Mahabalipuram Road, Okkiyam Thuraipakkam, Chennai - 600097.

Toll Free : 1800 200 2267

Email: [email protected] | Website: www.camsonline.com

Union KBC Asset Management Company Pvt. Ltd.

7th Floor, Piramal Tower, Peninsula Corporate Park, Ganpatrao Kadam Marg,

Lower Parel (W), Mumbai - 400013.

Tel No. : 022 24833333

Website: www.unionkbc.com | Email : [email protected]

1. Please visit www.sebi.gov.in/pmd/scsb.html or www.nseindia.com for list of currently available Self Certified Syndicate Banks (SCSB) offering ASBA

facility with their designated branches.

2. The investor shall submit the ASBA Form at the Bank branch of SCSB, which is designated for the purpose and the investor must be holding a bank

account with such SCSB. Investors should check with their bank branch to confirm whether the branch is offering ASBA facility.

3. Investors shall ensure that the Bank Account number in the ASBA Form is correct and funds equal to the subscription amount are available in the bank

account maintained with the SCSB before submitting the same to the designated branch.

4. ASBA Application Form will not be accepted by any of the offices of Union KBC Mutual Fund or its Registrar & Transfer Agent, i.e. Computer Age

Management Services (P) Ltd.

5. Upon submission of an ASBA Form with the SCSB, investor shall be deemed to have agreed to block the entire subscription amount specified and

authorized the Designated Branch to block such amount in the Bank Account.

6. The SCSBs shall block the subscription money based on the authorisation given by the account holder in the ASBA Form. The subscription money shall

remain blocked in the bank account till allotment of units under the scheme or till rejection of the application, as the case may be.

7. If the bank account specified in the ASBA Form does not have sufficient credit balance to meet the subscription money, the ASBA Form shall be rejected

by the SCSB.

8. The ASBA Form should not be accompanied by cheque, demand draft or any mode of payment other than authorisation to block subscription amount in

the bank account.

9. During the processing of the NFO application, if the application is found to be incomplete or incorrect, the SCSB will be informed on the same who shall

then unblock the investor account with appropriate remarks in the investor account.

10. No corresponding records available with the Depositories matching the parameters namely (a) Names of the ASBA applicants (including the order of

names of joint holders) (b) DP ID (c) Beneficiary account number or any other relevant details pertaining to the Depository Account.

11. On the closure date of the NFO, the ASBA Form should be submitted to the SCSBs before 3.00 p.m. or such other time as may be decided by respective

SCSBs.

12. Union KBC Mutual Fund or its' Registrar, CAMS shall not be liable for any negligence or mistake committed by the SCSBs.

13. Investor is required to submit a copy of the acknowledgment receipt of the ASBA Form (as submitted with SCSB) along with the NFO application form to

Union KBC Mutual Fund or any of its official point of acceptance.

14. All grievances relating to the ASBA facility may be addressed to the respective SCSBs, giving complete details such as name & address of the applicant,

number of units applied for, counterfoil or the application reference given by the SCSBs, amount paid on application and the collection centre of the

SCSB where the application form was submitted. If the SCSB is unable to resolve the grievance within reasonable time, it shall be addressed to the

Registrar and Transfer Agent M/s. Computer Age Management Services Pvt. Limited (CAMS) Chennai with a copy to Union KBC Asset Management Co.

Pvt. Ltd.

INSTRUCTIONS FOR FILLING ASBA FORM

ASBA Forms should be submitted only with an authorized branch of designated SCSBs. Copy of acknowledgement receipt of

the ASBA form issued by SCSB should be submitted with the NFO form to Union KBC Mutual Fund or its Registrar, CAMS.

During New Fund Offer Period & Continuous Offer PeriodComputer Age Management Services Pvt. Ltd. (CAMS) Customer Service Centers and Official Points of Acceptance:

• Agartala - Advisor Chowmuhani (Ground Floor), Krishnanagar, Agartala, Tripura - 799001. • Agra - No. 8, II Floor Maruti Tower, Sanjay Place, Agra, Uttar Pradesh - 282002. • Ahmedabad - 402-406, 4th Floor - Devpath Building, Off C G Road, Behind Lal Bungalow, Ellis Bridge, Ahmedabad, Gujarat - 380 006. • Ahmednagar - 203-A,Mutha Chambers, Old Vasant Talkies, Market Yard Road, Ahmednagar, Maharashtra - 414 001. • Ajmer - AMC No. 423/30, Near Church Brahampuri, Opp T B Hospital, Ajmer, Rajasthan - 305001. • Akola - Opp. RLT Science College, Civil Lines, Akola, Maharashtra - 444001. • Aligarh - City Enclave, Opp. Kumar Nursing Home, Ramghat Road, Aligarh, Uttar Pradesh - 202001. • Allahabad - 30/2, A&B, Civil Lines Station, Besides Vishal Mega Mart, Strachey Road, Allahabad, Uttar Pradesh - 211001. • Alleppey

nd- Blgd. No. VIII / 411, C C N B Road, Near Pagoda Resort, Chungom, Alleppey, Kerala - 688011. • Alwar - 256A, Scheme No:1, Arya Nagar, Alwar, Rajasthan - 301001. • Amaravati - 81, Gulsham Tower, 2 Floor, Near Panchsheel Talkies, Amaravati, Maharashtra - 444601. • Ambala - Opposite Peer, Bal Bhavan Road, Ambala, Haryana - 134003. • Amritsar - 378-Majithia Complex, 1st Floor, M. M. Malviya Road, Amritsar, Punjab - 143001. • Anand - 101, A.P. Tower, B/H, Sardhar Gunj, Next to Nathwani Chambers, Anand, Gujarat - 388001. • Anantapur - 15-570-33, I Floor, Pallavi Towers, Anantapur, Andhra Pradesh - 515 001.

st• Angul - Similipada, Angul, Orissa - 759122. • Ankleshwar - G-34, Ravi Complex, Valia Char Rasta, G.I.D.C., Ankleshwar- Bharuch, Gujarat - 393 002. • Asansol - Block – G, 1 Floor, P C Chatterjee Market Complex, Rambandhu Talab, P O Ushagram, Asansol, West Bengal - 713303. • Aurangabad - Office No. 1, 1st Floor, Amodi Complex, Juna Bazar, Aurangabad, Maharashtra - 431001. • Bagalkot - No. 6, Ground Floor, Pushpak Plaza, TP No.: 52, Ward No. 10, Next to Kumatagi Motors, Station Road, Near Basaveshwar Circle, Bagalkot, Karnataka - 587 101. • Balasore - B C Sen Road, Balasore, Orissa - 756001. • Bangalore - Trade Centre, 1st Floor 45, Dikensen Road ( Next to Manipal Centre), Bangalore, Karnataka - 560 042. • Bareilly - F-62-63, Butler Plaza, Civil Lines, Bareilly, Uttar Pradesh - 243001. • Basti - Office no 3, Ist Floor, Jamia Shopping Complex, Opposite Pandey School, Station Road, Basti, Uttar Pradesh - 272002. • Belgaum - 1st Floor, 221/2A/1B, Vaccine Depot Road, Near 2nd Railway gate, Tilakwadi, Belgaum, Karnataka - 590006. • Bellary - No.18A, 1st Floor, Opp. Ganesh Petrol Pump, Parvathi Nagar Main Road, Bellary, Karnataka - 583103. • Berhampur - First Floor, Upstairs of Aaroon Printers, Gandhi Nagar Main Road, Berhampur, Orissa - 760001. • Bhagalpur - Krishna, I Floor, Near Mahadev Cinema, Dr. R. P. Road, Bhagalpur, Bihar - 812002. • Bharuch - F-108, Rangoli Complex, Station Road, Bharuch, Gujarat - 392001. • Bhatinda - 2907 GH,GT Road, Near Zila Parishad, Bhatinda, Punjab - 151001. • Bhavnagar - 305-306, Sterling Point, Waghawadi Road, Opp. HDFC Bank, Bhavnagar, Gujarat - 364002. • Bhilai - 209, Khichariya Complex, Opp IDBI Bank, Nehru Nagar Square, Bhilai, Chhattisgarh - 490020. • Bhilwara - Indraparstha tower Second Floor, Shyam ki sabji mandi, Near Mukharji Garden, Bhilwara, Rajasthan - 311001. • Bhiwani - 24-25, Ist Floor, City Mall, Hansi Gate, Bhiwani, Haryana - 127021. • Bhopal - Plot No.13, Major Shopping Center, Zone-I, M.P. Nagar, Bhopal, Madhya Pradesh - 462011. • Bhubaneswar - Plot No - 111, Varaha Complex Building, 3rd Floor, Station Square, Kharvel Nagar, Unit 3, Bhubaneswar, Orissa - 751 001. • Bhuj - Data Solution, Office No:17, I st Floor, Municipal Building, Opp Hotel Prince, Station Road, Bhuj - Kutch, Gujarat - 370001. • Bhusawal - 3, Adelade Apartment, Christain Mohala, Behind Gulshan-E-Iran Hotel, Amardeep Talkies Road, Bhusawal, Maharashtra - 425201. • Bikaner - F 4,5 Bothra Complex, Modern Market, Bikaner, Rajasthan - 334001. • Bilaspur - Beside HDFC Bank, Link Road, Bilaspur, Chhattisgarh - 495 001. • Bokaro - Mazzanine Floor F-4, City Centre, Sector 4, Bokaro Steel City, Bokaro, Jharkhand - 827004. • Burdwan - 399, G T Road, Basement of Talk of the Town, Burdwan, West Bengal - 713101. • Calicut - 29/97G, 2nd Floor, Gulf Air Building, Mavoor Road, Arayidathupalam, Calicut, Kerala - 673016. • Chandigarh - SCO 80-81, IIIrd F, Sector 17 C, Chandigarh, Punjab - 160 017. • Chandrapur - Above Mustafa Decor Hakimi Plaza, Near Jetpura Gate, Near Bangalore Bakery, Kasturba Road, Chandrapur, Maharashtra - 442 402. • Chennai - Ground Floor No.178/10, Kodambakkam High Road, Opp. Hotel Palmgrove, Nungambakkam, Chennai, Tamil Nadu - 600 034. • Chhindwara - Office No - 1, Parasia Road, Near Mehta Colony, Chhindwara, Madhya Pradesh - 480 001. • Chittorgarh - 187, Rana Sanga Market, Chittorgarh, Rajasthan - 312001. • Coimbatore - Old # 66, New # 86, Lokamanya Street (West), Ground Floor, R.S.Puram, Coimbatore, Tamil Nadu - 641 002. • Cuttack - Near Indian Overseas Bank, Cantonment Road, Mata Math, Cuttack, Orissa - 753001. • Darbhanga - Shahi Complex,1st Floor, Near RB Memorial Hospital, V.I.P. Road, Benta Laheriasarai, Darbhanga, Bihar - 846001. • Davenegere - 13, Ist Floor, Akkamahadevi Samaj Complex, Church Road, P.J.Extension, Devengere, Karnataka - 577002. • Dehradun - 204/121, Nari Shilp Mandir Marg, Old Connaught Place, Dehradun, Uttaranchal - 248001. • Deoghar - S S M Jalan Road, Ground Floor, Opp. Hotel Ashoke, Caster Town, Deoghar, Jharkhand - 814112. • Dhanbad - Urmila Towers, Room No: 111(1st Floor), Bank More, Dhanbad, Jharkhand - 826001. • Dharmapuri - 16A/63A, Pidamaneri Road, Near Indoor Stadium, Dharmapuri, Tamil Nadu - 636 701. • Dhule - H. No. 1793 / A, J.B. Road, Near Tower Garden, Dhule, Maharashtra - 424 001. • Durgapur - City Plaza Building, 3rd floor, City Center, Durgapur, West Bengal - 713 216. • Eluru - No 23 B-4-73, Andhra Bank Lane, Opp Srinivasa Theatre, Ramachandra Rao Peta, Eluru, Andhra Pradesh - 534002. • Erode - 197, Seshaiyer Complex, Agraharam Street, Erode, Tamil Nadu - 638001. • Faizabad - 64, Cantonment, Near GPO, Faizabad, Uttar Pradesh - 224001. • Faridhabad - B-49, Ist Floor, Nehru Ground, Behind Anupam Sweet House, NIT, Faridhabad, Haryana - 121001. • Firozabad - Shop No.19, 1st Floor, Above YO Bikes, Seth Vimal Chand Jain Market, Jain Nagar, Agra Gate, Firozabad, Uttar Pradesh - 283203. • Gandhidham - Grain Merchants Grain Merchants Assocaition Building, Gandhidham, Gujarat - 370 201. • Ghaziabad - 113/6, I Floor, Navyug Market, Gazhiabad, Uttar Pradesh - 201001. • Gondal - Kailash Complex, Wing -A, Office No. 52, Bus Stand Road, Near Gundala Gate, Gondal, Gujarat - 360 311. • Gondia - Shri Talkies Road, Gondia, Maharashtra - 441601. • Gorakhpur - Shop No. 3, Second Floor, The Mall Cross Road, A.D. Chowk, Bank Road, Gorakhpur, Uttar Pradesh - 273001. • Gulbarga - Pal Complex, Ist Floor, Opp. City Bus Stop, Super Market, Gulbarga, Karnataka - 585 101. • Guntur - Door No 5-38-44 5/1, Brodipet, Near Ravi Sankar Hotel, Guntur, Andhra Pradesh - 522002. • Gurgaon - SCO - 16, Sector - 14, First Floor, Gurgaon, Haryana - 122001. • Guwahati - A.K. Azad Road, Rehabari, Guwahati, Assam - 781008. • Gwalior - G-6, Global Apartment, Phase-II, Opposite Income Tax Office, Kailash Vihar, City Centre, Gwalior, Madhya Pradesh - 474011. • Haldia - 2nd Floor, New Market Complex, Durgachak Post Office, Purba Medinipur District, Haldia, West Bengal - 721 602. • Haldwani - Durga City Centre, Nainital Road, Haldwani, Uttarakhand - 263139. • Hazaribag - Municipal Market, Annanda Chowk, Hazaribagh, Jharkhand - 825301. • Himmatnagar - D-78, First Floor, New Durga Bazar, Near Railway Crossing, Himmatnagar, Gujarat - 383 001. • Hisar - 12, Opp. Bank of Baroda, Red Square Market, Hisar, Haryana - 125001. • Hoshiarpur - Near Archies Gallery, Shimla Pahari Chowk, Hoshiarpur, Punjab - 146 001. • Hosur - Shop No.8, J D Plaza, Opp TNEB Office, Royakotta Road, Hosur, Tamil Nadu - 635109. • Howrah - Gagananchal Shopping Complex, Shop No.36 (Basement), 37, Dr. Abani Dutta Road, Salkia, Howrah, West Bengal - 711106. • Hubli - 206 & 207. 1st Floor, ‘A’ Block, Kundagol Complex, Opp Court, Club road, Hubli, Karnataka - 580029. • Hyderabad - 208, II Floor, Jade Arcade, Paradise Circle, Secunderabad, Andhra Pradesh - 500 003. • Ichalkarnaji - 12/178, Behind Congress Committee Office, Ichalkarnaji, Maharashtra - 416115. • Indore - 101, Shalimar Corporate Centre, 8-B, South tukogunj, Opp.Greenpark, Indore, Madhya Pradesh - 452 001. • Jabalpur - 975,Chouksey Chambers, Near Gitanjali School, 4th Bridge, Napier Town, Jabalpur, Madhya Pradesh - 482001. • Jaipur - R-7, Yudhisthir Marg, C-Scheme, Behind Ashok Nagar Police Station, Jaipur, Rajasthan - 302 001. • Jalandhar - 367/8, Central Town, Opp. Gurudwara, Diwan Asthan, Jalandhar, Punjab - 144001. • Jalgaon - Rustomji Infotech Services, 70, Navipeth, Opp. Old Bus Stand, Jalgaon, Maharashtra - 425001. • Jalna - Shop No 6, Ground Floor, Anand Plaza Complex, Bharat Nagar, Shivaji Putla Road, Jalna, Maharashtra - 431 203. • Jammu - 660, Gandhi Nagar, Jammu, J &K - 180004. • Jamnagar - 217/218, Manek Centre, P.N. Marg, Jamnagar, Gujarat - 361008. • Jamshedpur - Millennium Tower, “R” Road, Room No:15, First Floor, Bistupur, Jamshedpur, Jharkhand - 831001. • Jaunpur - 248, Fort Road, Near Amber Hotel, Jaunpur, Uttar Pradesh - 222001. • Jhansi - Opp SBI Credit Branch, Babu Lal Kharkana Compound, Gwalior Road, Jhansi, Uttar Pradesh - 284001. • Jodhpur - 1/5, Nirmal Tower, Ist Chopasani Road, Jodhpur, Rajasthan - 342003. • Junagadh - Circle Chowk, Near Choksi Bazar, Kaman, Junagadh, Gujarat - 362001. • Kadapa - Bandi Subbaramaiah Complex, D.No:3/1718, Shop No: 8, Raja Reddy Street, Besides Bharathi Junior College, Kadapa, Andhra Pradesh - 516 001. • Kakinada - No.33-1, 44, Sri Sathya Complex, Main Road, Kakinada, Andhra Pradesh - 533 001. • Kalyani - A - 1/50, Block - A, Dist Nadia, Kalyani, West Bengal - 741235. • Kanchipuram - New No. 38, (Old No. 50), Vallal Pachayappan Street, Near Pachayappas High School, Kanchipuram, Tamil Nadu - 631 501. • Kannur - Room No.14/435, Casa Marina Shopping Centre, Talap, Kannur, Kerala - 670004. • Kanpur - I Floor, 106 to 108, City Centre, Phase II, 63/ 2, The Mall, Kanpur, Uttar Pradesh - 208 001. • Karimnagar - HNo.7-1-257, Upstairs, S B H Mangammathota, Karimnagar, Andhra Pradesh - 505 001. • Karnal - 7, Ist Floor, Opp Bata Showroom, Kunjapura Road, Karnal, Haryana - 132001. • Karur - 126 G, V.P. Towers, Kovai Road, Basement of Axis Bank, Karur, Tamil Nadu - 639002. • Katni - 1st Floor, Gurunanak Dharmakanta, Jabalpur Road, Bargawan, Katni (m.p.) 483501. • Kestopur - AA 101, Prafulla Kanan Sreeparna Appartment, Ground Floor, Kolkata, Kestopur, West Bengal - 700101. • Khammam - Shop No.11-2-31/3, 1st Floor, Philips Complex, Balajinagar, Wyra Road, Nr.Baburao, Petrol Bunk, Khammam, Andhra Pradesh - 507001. • Khanna - Shop No:- 3, Bank of India Building, Guru Amar Dass Market, Khanna, Punjab - 141401. • Kharagpur - H.NO.291/1, Ward No -15, Malanchna Main Road, Opposite UCO Bank, Kharagpur, West Bengal - 721301. • Kochi - Door No. 64/5871 - D, 3rd Floor, Ittoop's Imperial Trade Center, M. G. Road (North), Kochi, Kerala - 682 035. • Kolhapur - AMD Sofex Office No.7, 3rd Floor, Ayodhya Towers, Station Road, Kolhapur, Maharashtra - 416001. • Kolkata - 33, C.R Avenue, 2nd Floor, Room No.13, Kolkata, West Bengal - 700012. • Kolkata - Saket Building, 44 Park Street, 2nd Floor, Kolkata - 700 016. • Kollam - Kochupilamoodu Junction, Near VLC, Beach Road, Kollam, Kerala - 691001. • Kota - B-33, ‘Kalyan Bhawan Triangle Part ,Vallabh Nagar, Kota, Rajasthan - 324007. • Kottayam - KMC IX / 1331 A, Opp.: Malayala, Manorama Railway Station Road, Thekkummoottil, Kottayam, Kerala - 686001. • Kumbakonam - Jailani Complex, 47, Mutt Street, Kumbakonam, Tamil Nadu - 612001. • Kurnool - H.No.43/8, Upstairs Uppini Arcade, N R Peta, Kurnool, Andhra Pradesh - 518 004. • Latur - Kore Complex, 2nd Cross Kapad Line, Near Shegau Patsanstha, Latur, Maharashtra - 413 512. • Lucknow - Off # 4,1st Floor, Centre Court Building, 3/c, 5 - Park Road, Hazratganj, Lucknow, Uttar Pradesh - 226 001. • Ludhiana - U/ GF, Prince Market, Green Field, Near Traffic Lights, Sarabha Nagar, Pulli Pakhowal Road, Ludhiana, Punjab - 141 002. • Madurai - 86/71A, Tamilsangam Road, Madurai, Tamil Nadu - 625 001. • Malda - Daxhinapan Abasan, Opp Lane of Hotel Kalinga, SM Pally, Malda, West Bengal - 732101. • Mangalore - No. G 4 & G 5, Inland Monarch, Opp. Karnataka Bank, Kadri Main Road, Kadri, Mangalore, Karnataka - 575 003. • Manipal - Trade Centre, 2nd Floor, Syndicate Circle, Starting Point, Manipal, Karnataka - 576104. • Mapusa - Office no.CF-8, 1st Floor, Business Point, Above Bicholim, Urban Co-op Bank, Angod, Mapusa, Goa - 403 507. • Margao - Virginkar Chambers, I Floor, Near Kamath Milan Hotel, New Market, Near Lily Garments, Old Station Road, Margao, Goa - 403 601. • Mathura - 159/160, Vikas Bazar, Mathura, Uttar Pradesh - 281001. • Meerut - 108, Ist Floor, Shivam Plaza, Opposite Eves Cinema, Hapur Road, Meerut, Uttar Pradesh - 250002. • Mehsana - 1st Floor, Subhadra Complex, Urban Bank Road, Mehsana, Gujarat - 384 002. • Moga - Ground Floor, Adjoining TATA Indicom Office, Dutt Road, Moga, Punjab - 142001. • Moradabad - B-612 ‘Sudhakar’, Lajpat Nagar, Moradabad, Uttar Pradesh - 244001. • Mumbai - 1, Skylark, Ground Floor, Near Kamgar Kalyan Kendra & B.M.C. Office, Azad Road, Andheri (E), Mumbai, Maharashtra - 400069. • Mumbai - Rajabahdur Compound, Ground Floor, Opp Allahabad Bank, Behind ICICI Bank, 30, Mumbai Samachar Marg, Fort Mumbai, Maharashtra - 400 023. • Muzzafarpur - Brahman toli, Durgasthan Gola Road, Muzaffarpur, Bihar - 842001. • Mysore - No.1, 1st Floor, CH.26, 7th Main, 5th Cross (Above Trishakthi Medicals), Saraswati Puram, Mysore, Karnataka - 570009. • Nadiad - 8, Ravi Kiran Complex, Ground Floor, Nanakumbhnath Road, Nadiad, Gujarat - 387001. • Nagpur - 145 Lendra, New Ramdaspeth, Nagpur, Maharashtra - 440 010. • Namakkal - 156A / 1, First Floor, Lakshmi Vilas Building, Opp. To District Registrar Office, Trichy Road, Namakkal, Tamil Nadu - 637001. • Nanded - Shop No. 302, 1st Floor, Raj Mohd. Complex, Work Shop Road, Shrinagar, Nanded, Maharashtra - 431 605. • Nandyal - Shop No.: 62 & 63, Srinivasa Complex, Besides Ramakrishna Ply Wood, Srinivasa Nagar, Nandyal, Andhra Pradesh - 518 501. • Nashik - Ruturang Bungalow, 2 Godavari Colony, Behind Big Bazar, Near Boys Town School, Off College Road, Nashik, Maharashtra - 422005. • Navsari - Dinesh Vasani & Associates, 103 -Harekrishna Complex, Above IDBI Bank, Nr. Vasant Talkies, Chimnabai Road, Navasari, Gujarat - 396445. • Nellore - 97/56, I Floor, Immadisetty Towers, Ranganayakulapet Road, Santhapet, Nellore, Andhra Pradesh - 524001. • New Delhi - 304-305, III Floor, Kanchenjunga Building, 18, Barakhamba Road, Cannaugt Place, New Delhi - 110 001. • Nizamabad - #5-6-208, Saraswathi Nagar, Nizamabad, Andhra Pradesh - 503002. • Noida - B-20, Sector - 16, Near Metro Station, Noida, Uttar Pradesh - 201301. • Ongole - # 1, ARN Complex, Kurnool Road, Ongole, Andhra Pradesh - 523 001. • Palakkad - 10 / 688, Sreedevi Residency, Mettupalayam Street, Palakkad, Kerala - 678 001. • Palanpur - Jyotindra Industries Compound, Near Vinayak Party Plot, Deesa Road, Palanpur, Gujarat - 385 001. • Panaji - No.108, 1st Floor, Gurudutta Bldg, Above Weekender, M G Road, Panaji, Goa - 403 001. • Panipat - 83, Devi Lal Shopping Complex, Opp ABN Amro Bank, G.T.Road, Panipat, Haryana - 132103. • Pathankot - 13 - A, Ist Floor, Gurjeet Market, Dhangu Road, Pathankot, Punjab - 145001. • Patiala - 35, New lal Bagh Colony, Patiala, Punjab - 147001. • Patna - Kamlalaye Shobha Plaza, Ground Floor, Near Ashiana Tower, Exhibition Road, Patna, Bihar - 800 001. • Pondicherry - S-8, 100, Jawaharlal Nehru Street (New Complex, Opp. Indian Coffee House), Pondicherry - 605001. • Porbandar - II Floor, Harikrupa Towers, Opp. Vodafone Store, M G Road, Porbandar, Gujarat - 360575. • Proadattur - Dwarakmayee, D No 8/239, Opp Saraswathi Type Institute, Sreeramula Peta, Proddatur, Andhra Pradesh - 516360. • Pune - Nirmiti Eminence, Off No. 6, I Floor, Opp Abhishek Hotel, Mehandale Garage Road, Erandawane, Pune, Maharashtra - 411 004. • Rae Bareli - 17,

stAnand Nagar Complex, Rae Bareli, Uttar Pradesh - 229001. • Raipur - HIG,C-23, Sector - 1, Devendra Nagar, Raipur, Chhattisgarh - 492004. • Rajahmundry - Cabin 101, D.no 7-27-4, 1 Floor, Krishna Complex, Baruvari Street, T Nagar, Rajahmundry, Andhra Pradesh - 533101. • Rajapalayam - No 59 A/1, Railway Feeder Road, Near Railway Station, Rajapalayam, Tamil Nadu - 626117. • Rajkot - Office 207 - 210, Everest Building, Harihar Chowk, Opp Shastri Maidan, Limda Chowk, Rajkot, Gujarat - 360001. • Ranchi - 4 HB Road No.206, 2nd Floor, Shri Lok Complex, Ranchi, Jharkhand - 834001. • Ratlam - Dafria & Co 18, Ram

NDBagh, Near Scholar’s School, Ratlam, Madhya Pradesh - 457001. • Ratnagiri - Kohinoor Complex, Near Natya Theatre, Nachane Road, Ratnagiri, Maharashtra - 415 639. • Rohtak - 205, 2 Floor, Blg. No. 2, Munjal Complex, Delhi Road, Rohtak, Haryana - 124001. • Roorkee - 399/1, Jadugar Road, 33 Civil Lines, Roorkee, Uttarakhand - 247667. • Ropar - SCF - 17, Zail Singh Nagar, Ropar, Punjab - 140001. • Rourkela - 1st Floor, Mangal Bhawan, Phase II, Power House Road, Rourkela, Orissa - 769001. • Sagar - Opp. Somani Automobiles, Bhagwanganj, Sagar, Madhya Pradesh - 470 002. • Saharanpur - I Floor, Krishna Complex, Opp. Hathi Gate, Court Road, Saharanpur, Uttar Pradesh - 247001. • Salem - No.2, I Floor, Vivekananda Street, New Fairlands, Salem, Tamil Nadu - 636016. • Sambalpur - C/o Raj Tibrewal & Associates, Opp.Town High School, Sansarak, Sambalpur, Orissa - 768001. • Sangli - Diwan Niketan 313, Radhakrishna Vasahat, Opp. Hotel Suruchi, Near S.T. Stand, Sangli, Maharashtra - 416416. • Satara - 117 / A / 3 / 22, Shukrawar Peth, Sargam Apartment, Satara, Maharashtra - 415002. • Satna - 1st Floor, Shri Ram Market, Besides Hotel Pankaj, Birla Road, Satna, Madhya Pradesh - 485 001. • Shahjahanpur - Bijlipura, Nr.Old Distt.Hospital, Jail Road, Shahjahanpur, Uttar Pradesh - 242001. • Shimla - I Floor, Opp. Panchayat Bhawan, Main gate Bus stand, Shimla, Himachal Pradesh - 171001. • Shimoga - Nethravathi, Near Gutti Nursing Home, Kuvempu Road, Shimoga, Karnataka - 577 201. • Siliguri - No 8, Swamiji Sarani, Ground Floor, Hakimpara, Siliguri, West Bengal - 734001. • Sirsa - Gali No.1, Old Court Road, Nr.Railway Station Crossing, Sirsa, Haryana - 125055 • Sitapur - Arya Nagar, Near Arya Kanya School, Sitapur, Uttar Pradesh - 261001. • Solan - 1st Floor, Above Sharma General Store, Near Sanki Rest house, The Mall, Solan, Himachal Pradesh - 173 212. • Solapur - Flat No 109, 1st Floor, A Wing, Kalyani Tower, 126 Siddheshwar Peth, Near Pangal High School, Solapur, Maharashtra - 413001. • Sonepat - Shop No. 5, PP Tower, Ground Floor, Opp to Income Tax office, Sonepat, Haryana - 131 001. • Sriganganagar - 18 L Block, Sri Ganganagar, Rajasthan - 335001. • Srikakulam - Door No 5 - 6 - 2, Punyapu Street, Palakonda Road, Near Krishna Park, Srikakulam, Andhra Pradesh - 532 001. • Sultanpur - 967, Civil Lines, Near Pant Stadium, Sultanpur, Uttar Pradesh - 228 001. • Surat - Plot No.629, 2nd Floor, Office No.2-C/2-D, Mansukhlal Tower, Beside Seventh Day Hospital, Opp.Dhiraj Sons, Athwalines, Surat, Gujarat - 395 001 • Surendranagar - 2 M I Park, Near Commerce College,Wadhwan City, Surendranagar, Gujarat - 363035. • Tanjore - 1112, West Main Street, Tanjore, Tamil Nadu - 613 009. • Thane - Nalanda Chamber, “B” Wing, Nr.Gaondevi Vegetable Market, Gokhale Road, Naupada, Thane West, Maharashtra - 400602. • Thiruppur - 1(1), Binny Compound, II Street, Kumaran Road, Thiruppur, Tamil Nadu - 641601. • Thiruvalla - Central Tower, Above Indian Bank, Cross Junction, Thiruvalla, Kerala - 689101. • Thiruvananthapuram - R S Complex, Opposite of LIC Building, Pattom PO, Thiruvananthapuram, Kerala - 695004. • Thrissur - Adam Bazar, Room no.49, Ground Floor, Rice Bazar (East), Thrissur, Kerala - 680001. • Thuraipakkam - Ground Floor, 148, O M R Okkiyam, Thuraipakkam, Chennai, Tamil Nadu - 600097. • Tinsukia - Sanairan Lohia Road,1st Floor, Tinsukia, Assam - 786 125 • Tirunelveli - 1 Floor, Mano Prema Complex, 182 / 6, S.N High Road, Tirunelveli, Tamil Nadu - 627001. • Tirupathi - Shop No14, Boligala Complex, 1st Floor, Door No. 18-8-41B, Near Leela Mahal Circle, Tirumala Byepass Road, Tirupathi, Andhra Pradesh - 517501. • Trichur - Room No. 26 & 27, DEE PEE PLAZA, Kokkalai, Trichur – 680 001. • Trichy - No 8, I Floor, 8th Cross, West Extn Thillainagar, Trichy, Tamil Nadu - 620018. • Tuticorin - 1 - A / 25, 1st Floor, Eagle Book Centre Complex, Chidambaram Nagar Main, Palayamkottai Road, Tuticorin, Tamil Nadu - 628 008. • Udaipur - 32, Ahinsapuri, Fatehpura Circle, Udaipur, Rajasthan - 313004. • Ujjain - 123, 1st Floor, Siddhi Vinanyaka Trade Centre, Saheed Park, Ujjain, Madhya Pradesh - 456 010. • Unjha - 10/11, Maruti Complex, Opp. B R Marbles, Highway Road, Unjha, Gujarat - 384 170. • Vadodara - 103, Aries Complex, BPC Road, Off R.C. Dutt Road, Alkapuri, Vadodara, Gujarat - 390 007. • Valsad - 3rd Floor, Gita Nivas, Opp Head Post Office, Halar Cross Lane, Valsad, Gujarat - 396001. • Vapi - 215-216, Heena Arcade, Opp. Tirupati Tower, Near G.I.D.C Char Rasta, Vapi, Gujarat - 396195. • Varanasi - C 27/249 - 22A, Vivekanand Nagar Colony, Maldhaiya, Varanasi, Uttar Pradesh - 221002. • Vasco da Gama - No DU 8, Upper Ground Floor, Behind Techoclean Clinic, Suvidha Complex, Near ICICI Bank, Vasco da Gama, Goa - 403802.• Vellore - No:54, Ist Floor, Pillaiyar Koil Street, Thotta Palayam, Vellore, Tamil Nadu - 632004. • Veraval - Opp. Lohana Mahajan Wadi, Satta Bazar, Veraval, Gujarat - 362 265. • Vijayawada - 40-1-68, Rao & Ratnam Complex, Near Chennupati Petrol Pump, M.G Road, Labbipet, Vijayawada, Andhra Pradesh - 520 010. • Visakhapatnam - 47/ 9 / 17, 1st Floor, 3rd Lane, Dwaraka Nagar, Visakhapatnam, Andhra Pradesh - 530 016. • Warangal - F13, 1st Floor, BVSS Mayuri Complex, Opp. Public Garden, Lashkar Bazaar, Hanamkonda, Warangal, Andhra Pradesh - 506001. • Wardha - Opp. Raman Cycle Industries, Krishna Nagar, Wardha, Maharashtra - 442 001. • Yamuna Nagar - 124-B/R Model Town, Yamunanagar, Haryana - 135 001. • Yavatmal - Pushpam, Tilakwadi, Opp. Dr. Shrotri Hospital, Yavatma, Maharashtra - 445 001.

During New Fund Offer Period & Continuous Offer Period

Union KBC Mutual Fund Customer Service Centers and Official Points of Acceptance:

Collection Bankers - During New Fund Offer Period

HDFC BANK LIMITED

UNION BANK OF INDIA

• Mumbai : Union KBC Asset Management Co Pvt Ltd, Apeejay House , 3 Dinshaw Vachha Road , Mumbai 400020, India; Union KBC Asset Management Company Pvt. Ltd, 7th Floor, Piramal Tower, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel (West), Mumbai - 400013. • Kolkata : Union KBC Asset Management Co Pvt Ltd, Apeejay House, 15 Park Street, Kolkata 700016, India. • Bangalore : Union KBC Asset Management Co Pvt Ltd, Unit No: 705, 7th Floor, Barton Centre, No: 84, M G Road, Bangalore - 560 001. • New Delhi : Union KBC Asset Management Co Pvt Ltd, 801 Mercantile House, Kasturba Gandhi Marg, New Delhi 110001.

• Hyderabad: WBO 1-10-60/3, III Floor, Suryodaya, Begumpet, Hyderabad-500 016, Andhra Pradesh. • Kakinada: HDFC BANK LTD, D.NO: 20-1-46, OPP. SRMT, MAIN ROAD, Kakinada-533001, Andhra Pradesh. • Rajahmundry: 46-17-20, 1stFloor, Danavaipet, Rajahmundry-533103, Andhra Pradesh. • Tirupathi: HDFC BANK LTD, 19-8-180,Krishna Arcade, Beside IBP Petrol Pump, Near Annamaiah CircleTirupathi-517501, Andhra Pradesh. • Vijayawada:40-1-48/2, 2nd Floor,Valluri Complex, M G Road, Vijayawada-520010, Andhra Pradesh. • Visakhapatnam: HDFC BANK, FIRST FLOOR, POTLURI CASTLE, # 48-14-9, DWARAKANAGAR, Visakhapatnam-530016, Andhra Pradesh. • Warangal: 1-8-605/1, NAKKALAGUTTA, HANAMKONDA, Warangal-506001, Andhra Pradesh. • Guwahati: 1st Floor, Mishra Complex, Jail Raod, Fancy Bazar, Guwahati-781001, Assam. • Bhagalpur: Triveni Appartment, Dr. R. P ROAD ,Bhagalpur-812002, Bihar. • Darbhanga: NATRAJ BHAWAN, I ST FLOOR, KATKI BAZAR, TOWER CHAWK, DARBHANGA, Darbhanga-846004, Bihar. • Muzzafarpur: TILAK MAIDAN ROAD, Muzzafarpur-842001, Bihar. • Patna: Plot No. 651, jamal Rd, Patna-800002, Bihar. • Bhilai: Chauhan Estate, G.E. Road, Supela, Bhilai-490023, Chhattisgarh. • Bilaspur: A-99 Link Road Near Agresen Chowk, Bilaspur-495001, Chhattisgarh. • Raipur: HDFC BANK LTD, Chawla Towers, Near Bottle House, Shankar Nagar, Raipur-492007, Chhattisgarh. • Panaji: 301, Milroc Lar Menezes, Swami Vivekanand Road, Panaji-403001, Goa. • Ahmedabad: Astral Tower, Near Mithakhali Six Raod, Navrnagpura, Ahmedabad-380009, Gujarat. • Anand:1st Floor, Sanket Complex, Next to Sales India, Grid Cross Road, Anand-388001, Gujarat. • Ankleshwar: Commercial Plot 73/P, GIDC Estate, S.A.Motors Building, Old Ankleshwar Highway, Ankleshwar-393001, Gujarat. • Bharuch: HDFC BANK LTD, 127, ALFA SOCIETY, LINK ROAD, Bharuch -392001, Gujarat. • Bhavnagar:1 st Floor, Sterling Point, Waghawadi Road, Bhavnagar-364001, Gujarat. • Bhuj: 101/102 Sunrise Tower, Vijay Nagar , Hospital Road, Bhuj-370001, Gujarat. • Gandhidham: Plot no.1, Sector-8, Rabindranath Tagore Road, Gandhidham-370201, Gujarat. • Gondal :HDFC Bank Ltd. - Wholesale Banking Operations, 1st Floor, Aadinath Complex, College Chowk, Gondal-360311, Gujarat. • Himmatnagar: G.F SHOP NO 5-8 & FIRST FLOOR 4 – 9, KUMAR HOUSE, DURGA OIL MILL COMPOUND, Himmatnagar-383 001, Gujarat. • Jamnagar: Abhishek, 3rd Floor, Saru Section Road, Near Savan Appartment, Jamnagar-361008, Gujarat. • Junagadh: Ground Floor, Moti Palace, Opp.Rayji Nagar, Moti Baugh Road, Junagadh-362001, Gujarat. • Mehsana: Prabhu Complex, Nr. Rajkamal Petrol Pump, Highway Road, Mehsana-384002, Gujarat. • Morbi: Om Shopping Complex, Ravapar Road, Morbi-363641, Gujarat. • Nadiad : Shootout Building, College Road, Nadiad -387001, Gujarat. • Navsari: GR FLR, NANDANI COMPLEX, STATION ROAD, Navsari-396445, Gujarat. • Palanpur: Nr. Cozy Tower, Opp. Joravar Palace, Palanpur-385001, Gujarat • Porbandar: OM SHIV SHAKTI, R.D.CHAMBERS, M.G. ROAD, Porbandar-360575, Gujarat. • Rajkot: Shivalik - V, 3rd Floor, Gondal Road, Rajkot-360002, Gujarat. • Surat:1st Floor, Crossway Mall, Near Ram Chowk, Ghod Dod Road, Surat-395007, Gujarat. • Surendranagar: Middle Point, A Wing, Nr. Milan Cenama, Main Road, Surendranagar-363002, Gujarat. • Unjha: 1st Floor, Suvidhi Complex, Station Road, Unjha -384170,Gujarat. • Vadodara: 1st Floor, Fortune Tower, Vadodara Stock Exchange Building, Opp. Parsi Agiyari,Sayajigunj, Vadodara-390005, Gujarat. • Valsad: 1st Floor, Ekta Apt, Tithal Road, Valsad-396001, Gujarat. • Vapi: 1 st Floor, Kanta Trade Center, GIDC Char Rasta, Vapi-396195, Gujarat. • Veraval: HDFC BANK LTD, Amrut Deep, Rajmahal Road, Opp. Public Garden, Veraval-362265, Gujarat. • Ambala: 352/11, NICHOLSON ROAD, FIRST FLOOR, AMBALA CANTT, Ambala-133001, Haryana. • Bhiwani: S-175D/1, Jalan Nagar, Meham Chowk, Bhiwani-127021, Haryana. • HISAR: 3 & 4 MC AREA, RED SQUARE MARKET, RAILWAY ROAD, HISAR-125000, Haryana. • Jagadhri: Plot No.1, Rajesh Nagar Colony, Ambala Road, Jagadhri-135001, Haryana. • Karnal :Basement, Sco 778-779, Opp. Mahabeer Dal Hospital, Karnal -132001, Haryana. • Panipat: 801/4, OPPS RAILWAY ROAD, G.T ROAD, Panipat-132103, Haryana. • Rohtak: Jawahar market, Opp D-Park, Model Town, Rohtak-124001, Haryana. • Shimla: Shimla 3,JANKIDAS BLDG, Shimla-171001, Himachal Pradesh. • Solan: The Mall Road, Opp.UCO Bank, Solan -173212, Himachal Pradesh. • Jammu: CB-13, Rail Head Commercial Complex, Gandhi Nagar, Jammu-180004, J &K. • Bokaro: B-9 , City Centre, Sector-4, Bokaro Steel City, Bokaro-827001, Jharkhand. • Deoghar: Assam Acess Road, Near Tower Chowk, Deoghar-814112, Jharkhand. • Dhanbad: SRI RAM PLAZA, 1ST FLOOR, BANK MORE, Dhanbad-826 001, Jharkhand. • Hazaribag: HDFC Bank, Annanda Chowk, Hazaribag-825301, Jharkhand. • Jamshedpur: HDFC Bank Ltd., 1st Floor, 105, SNP Area, Sakchi, Jamshedpur-831001, Jharkhand. • Ranchi: 56, ROHINI COMPLEX, CIRCULAR ROAD, LALPUR, Ranchi-834001, Jharkhand. • Bagalkot: Opp. Railway Station Ward No 10, Bagalkot- 587101, Karnataka. • Bangalore: Cash Management Services, SALCO CENTRE, # 8/24, Richmond Road, Bangalore-560025, Karnataka. • Belgaum: HDFC Bank Ltd,. No 4830/2A, Opp District Hospital, Dr Ambedkar Road, Belgaum-590002, Karnataka. • Davenegere: #651 B H M Enclave, HM Road, Mandipet, Davenegere-577001, Karnataka. • Hubli: Shriram Plaza, Dervice Branch, Club Road, Hubli-580029, Karnataka. • Mangalore: Ideal Towers, 1st floor, Opp Sharavu Ganapathi Temple, G T Road, Mangalore-575001, Karnataka. • Mysore: Mythri Arcade, Saraswathipuram, 1st Main, Mysore, Mysore-570009, Karnataka. • Shimoga: HDFC BANK LTD, W B O, No 447,Sharavathi Complex, Savarlane Road, Shimoga-577201, Karnataka. • Calicut: HDFC BANK LTD, III FLOOR, SIMAX TOWERS, KANNUR ROAD, NADAKKAVE, Calicut-673011, Kerala. • Kannur: HDFC Bank, Ist Floor, KVR Tower, South Bazar, Kannur-670002, Kerala. • Kochi: FIRST FLOOR, PALARIVATTOM, 25, Kochi-682025, Kerala. • Kollam: VGP Bulidings, Near Irumpupalam, Kollam-691001, Kerala. Kottayam: 3rd Floor, Unity Buildings, KK Road, Kottayam-686002, Kerala. • Palakkad: VIII/246, 1st Floor, Chandranagar Jn. Palakkad-678007, Kerala. • Thiruvalla: Illampallil Buildings,26/149,1&2 ,MC Road, Ramanchira, Thiruvalla-689101, Kerala. • Thiruvananthapuram : BOB Plaza, Second Floor, T. C. 12 / 149 ( 3), Pattom,Thiruvananthapuram -695004, Kerala. • Thrissur: Third Floor, Suharsha Towers, Shornur Road, Thrissur-680001, Kerala. • Bhopal: Asha Avenue, 1st Floor, Z-1, Zone-1, M P Nagar, Bhopal-462011, Madhya Pradesh. • Gwalior: J K PLAZA, GAST KA TAZIA, LASHKAR, Gwalior-474001, Madhya Pradesh. • Indore: HDFC Bank Ltd., 1st Floor, Brilliant Avenue, Sch No. 94, Sector -B, Behind Bombay Hospital, Ring Road, Indore-452010, Madhya Pradesh • Jabalpur: HDFC Bank Ltd, 1st Floor, Kumbhare Mension, 636, Vijay Nagar , MR- 4, Main Road, SBI Chowk, Jabalpur-482002, Madhya Pradesh. • Ratlam: HDFC BANK (WBO) 90, STATION ROAD, Ratlam-457001, Madhya Pradesh. • Itarsi: 9, Lane No 3&4,Sarafa Bazar, Itarsi, Madhya Pradesh-461 111. • Ahmednagar: Ambar Plaza, " A" wing, Second Floor, Station Road, Ahmednagar-414001, Maharashtra. • Akola: Sethi Heights, 1st Floor, Opp. Zilla Parishad, Akola-444001, Maharashtra. • Amravati : C/o Rasik Plaza, Morshi Rd, Jaystambh Chowk, Amravati -444601, Maharashtra. • Aurangabad: Divekar Plaza, CTS No 18272, IInd Floor, Railway Station Road, Padampura, Aurangabad-431001, Maharashtra. • Bhusawal: Mansingh Complex, C.T.S. No. 3294 (H.No. 4/285), Jamner Road, Opp CSM Complex, Bhusawal -425201, Maharashtra. • Dhule : Wholesale Banking Operations(CMS), Lane No- 6 , Mundada Arcade, Parola Road, Dhule -424001, Maharashtra. • Ichalkarnaji: HOUSE NO 7-55 (OLD NO9-148), MAIN ROAD, JANTA CHOWK, Ichalkarnaji -416115, Maharashtra. • Jalgaon: HDFC BANK LTD, 3rd Floor, Sugan Heights, P P NO 324/2, TPS II, Near Central Bus Stand, Jalgaon-425001, Maharashtra. • Kolhapur: Gemstone, 517/A/2, E Ward, New shahupuri, Nr Central Bus Stand, Kolhapur-416001, Maharashtra. • Latur: HDFC BANK LTD, II nd Floor, Shri Prabha Arcade, Vora Bunglow, Main Road, Nr Nagar Parishad, Latur-413512, Maharashtra. • Mumbai: Ground Floor, Maneckji Wadia Building, Nanik Motwani Marg, Near Kala Ghoda, Opp Mumbai University, Mumbai-400001, Maharashtra. • Nagpur: 2, " Mile Stone ", Block No 303 & 304, Near Lokmat Square, Wardha Road, Nagpur-440010, Maharashtra. • Nashik: HDFC BANK LTD,3rd Floor , Archit Centre , Opp Sandeep Hotel, Chandak Circle Link Road, Near Mahamarg Bus Stand, Nashik-422002, Maharashtra. • Pune: Fortune Square, 3 rd Floor, Deep Bungalow Chowk, Model Colony, Shivajinagar, Pune-411016, Maharashtra. • Ratnagiri: Show room No.3, Mangesh Shanta, Apartment, Near Maruti Mandir, Ratnagiri-Kolhapur Highway, Ratnagiri-415639, Maharashtra. • Sangli: 640,Venkatesh Senate, Sangli Miraj Road, Sangli-416416, Maharashtra. • Solapur: 8516/11 Murarji Peth, Sun Plaza Bldg, Lucky Chowk, Solapur-413007, Maharashtra. • Shillong: ANDERS MANSION, POLICE BAZAR, Shillong-793001, Meghalaya. • New Delhi: Fig-Ops 1st Floor, Kailash Bldg, New Delhi -110001, New Delhi. • Balasore: F.M.Circle, Balasore Branch, Balasore-756001, Orissa. • Bhubaneswar: C111, Business park, 1st Floor, Sahid Nagar, Bhubaneswar-751007, Orissa. • Cuttack: HDFC Bank Ltd, Holding No 32, 32/A Bajrakabati Road, Cuttack-753001, Orissa. • Rourkela: Dewadi Bhavan, Rourkela-769001, Orissa. • Sambalpur: HDFC BANK LTD, NAYAPARA GOLEBAZAR, Sambalpur-768001, Orissa. • Pondicherry: T.S.No.6, 100Ft Road, Ellaipillaichavady, Pondicherry-605005, Pondicherry. • Amritsar: 26, Kennedy Avenue, First Floor, Amritsar-143001, Punjab. • Bhatinda:HDFC BANK LTD, 83/1 LIBERTY CHOWK, CIVIL LINES, Bhatinda-151001, Punjab. • Chandigarh: SCO-189-190, Sector 17, Chandigarh- 160017, Punjab. • Hoshiarpur: WBO, Ist Floor, Opp Maharaja Hotel, Sutheri Road, Hoshiarpur-146001, Punjab. • Jalandhar: HDFC Bank Ltd., 1st Floor, 911, GT Road, Nr. Narinder Cinema, Jalandhar-144001, Punjab. • Khanna: HDFC BANK, OPP. BUS STAND, G.T. ROAD, Khanna- 141401, Punjab. • Ludhiana: SCO-54, Phase -2, Urban Estate, Dugri, Ludhiana-141001, Punjab. • Moga: GT ROAD, OPP D C OFFICE, THAMAN SINGH GILL MARKET, Moga-142001, Punjab. • Patiala: Building NO 11520, 1st Floor Leela bhawan, Near Gopal Sweets, Patiala-147001, Punjab. • Ropar: HDFC Bank Ltd, Raj Hotel Complex, College Road, Ropar-140001, Punjab. • Ajmer:HDFC Bank Ltd.,Near Suchna Kendra, Adj.to Swami Complex, Ajmer-305001, Rajasthan. • Alwar: Bhagat Singh Circle, Opp.UIT, Alwar-301001, Rajasthan. • Bhilwara: HDFC Bank Ltd., WBO, Shop No. 1-2-3-4, "A" Block, First Floor, SK Plaza, Pur Road, Bhilwara-311001, Rajasthan. • Bikaner: HDFC BANK LTD, ROSHAN PLAZA, RANI BAZAR, Bikaner-334001, Rajasthan. • Jaipur: HDFC Bank House, 2nd Floor, O-10,Ashok Marg, C-Scheme, Jaipur-302001, Rajasthan. • Jodhpur: HDFC BANK LTD., Ist Floor, 15, Keshav Comlex, Nimbera House, Paota, Mandore Road, Jodhpur-342010, Rajasthan. • Kota: 13-14,MAIN JHALAWAR ROAD, Kota-324007, Rajasthan. • Udaipur: Uday 2 Floor, 3 Durga Nursery, Udaipur-313001, Rajasthan. • Chennai: No. 115, Dr. Radhakrishnan Salai, 2nd Floor, Opp. to CSI Kalyani Hospital, Mylapore, Chennai-600002, Tamil Nadu. • Coimbatore: WBO ,1552,B7, First Floor, Classic Towers, Trichy Road, Coimbatore-641018, Tamil Nadu. • Erode: NO.680,Lotus Enclave, Brough Road, Erode-638001, Tamil Nadu. • Hosur: NO.24 & 25, Maruthi Nagar, SIPCOT PO, Near Dharga, Hosur-635126, Tamil Nadu. • Karur: 126/D/E, ANNAI PLAZA, KOVAI ROAD, Karur-639002, Tamil Nadu. • Madurai: Sri Nithyakalyani Towers, No 34, Krishnarayan Tank Street, North Veli Street, Madurai-625001, Tamil Nadu. • Nellore: 17/126, G.V.R. Enclave, G.T. Road, Nellore-524001, Tamil Nadu. • Rajapalayam: 251 E, Kadabankulam Main, Rajapalayam Thenkasi Road, Rajapalayam-626117, Tamil Nadu. • Salem: 5/241-F Rathan Arc de, Five Roads, Meyyanur, Salem-636004, Tamil Nadu. • Tirunelveli: HDFC BANK LTD, 12,13, Trivandrum High Road, Vannarpettai, Palayamkottai, Tirunelveli-627002, Tamil Nadu. • Trichy: NO.11 PLA KANAGU TOWERS, 11 th Cross, Main Road, Thillainagar, Trichy-620018, Tamil Nadu. • Vellore: 73, OFFICERS LINE, Vellore-632001,Tamil Nadu. • Agra: First Floor, Pariney Garden, Bhagfarjana, Civil Lines, Agra-282002, Uttar Pradesh. • Aligarh: 3-316, Bhalla Complex, Ramghat Road, Aligarh-202001, Uttar Pradesh. • Allahabad: 58, SP Marg, Civil Lines, Allahabad-211003, Uttar Pradesh. • Bareilly: WBO, 1st Floor, 154, Krishna Place, Civil Lines, Bareilly-243001, Uttar Pradesh. • Gorakhpur: Wholesale Banking Operations, Shreenath Complex, 10, Park Road, Civil Lines, Gorakhpur-273 001, Uttar Pradesh. • Jhansi:HDFC Bank Ltd., Damroo Cinema Complex , Civil Lines, Jhansi-284003, Uttar Pradesh. • Kanpur: 15/46, 1st Floor, Civil Lines, Kanpur-208001, Uttar Pradesh. • Lucknow: Pranay Towers, 38, Darbari Lal Sharma Marg, Lucknow-226001, Uttar Pradesh. • Mathura: 169/2, Gaushala Road, OPP BSA College, Mathura-281001, Uttar Pradesh. Meerut: HDFC BANK LTD., 1st Floor, 381, Western Kutchery Road, Meerut-250001, Uttar Pradesh. • Moradabad: HDFC Bank Ltd, First Floor, Chaddha Complex, GMD Road, Moradabad-244001, Uttar Pradesh. • Saharanpur: COURT ROAD, SAHARANPUR(UP), Saharanpur-247001, Uttar Pradesh. • Varanasi: D 58/9A-1K, Kush Complex, Sigra, Varanasi-221010, Uttar Pradesh. • Dehradun: WBO Deptt, HDFC Bank, 56, Rajpur Road, Dehradun-248001, Uttaranchal. • Haldwani: 8/6, Bhotia Paraw, Nainital Road, Haldwani, Haldwani-263139, Uttarakhand. • Roorkee: 313/8, CIVIL LINES, Roorkee-247667, Uttarakhand. • Asansol: P.C Chatterjee Market, Rambandhu Talaw, Asansol-713303, West Bengal. • Burdwan: 45, GT ROAD, Burdwan-713101, West Bengal. • Durgapur: Balai Commercial Complex, 3rd Floor, Benachity, Nachan Road, Durgapur-713213, West Bengal. • Kolkata: Abhilasha - II, 6 Royd Street (2nd Floor), Kolkata-700016, West Bengal. • Siliguri: 136/115, Hill Cart Road, Siliguri-734401, West Bengal. • Haldia: Manjushree, Akash Ganga Complex, Haldia-721602. Purba Medinipore, West Bengal. • Kharagpur: Malancha Road, P.O. & P.S. Kharagpur, Dist. : Paschim Midnapur, West Bengal-721304. • Nandyal: #2-415, N.K. Road, Hotel Shoba, Nandyal-51850.

• Agra - Frends Wasan Plaza, Sanjay Place, Dist. Agra, Uttar Pradesh Pin - 282 003. Uttar Pradesh. • Ahmedabad - Upper Floor,Parth Milan Complex,Near Hotel Nest Sardar Patel Nagar , Off C.G Road Dist.Ahmedabad, Gujarat Pin-380 006. • Aligarh - Goverdhan Market, Pather Bazar, Main Branch, Aliharh City, Dist. Aligarh, Uttar Pradesh, Pin - 202 001. • Allahabad - Hotel Samrat Bldg, M G Marg, Civil Lines, Allahabad - 211 001. • Amritsar - MAJITH MANDI DISTT AMRITSAR Punjab. • Aurangabad - Plot No. 11, Krupa, Jijamati Colony, Paithan Gate, Dist. Aurangabad, Pin - 431 001, Maharashtra. • Bangalore - 116, 11th Cross Malleswaram, Bangalore Pin - 560 003 Karnataka. • Belgaum - 659/660, Ravivarpeth Belgaum, Karnataka. • Bellary - 201, 1st Floor, Car Street, Bellary, Dist. Bellary, Karnataka Pin - 583 101. • Bhilai - Thakkar Chambers, G. E. Road, Bhillai Power Hou Post Khursipara, Dist.Durg, Chattisgarh Pin - 490 011. • Bhilwara - 15/251, Rajendra Marg, Dist. Bhilwara, Rajasthan, Pin - 311 001. • Bhopal - 1513/1/1, Union Bank Bhavan, Arera Hills, Bhopal 462011. • Bhubaneswar - Plot No.101, Janpath, Kharvel Nagar, Unit III, Bhubaneshwar, Dist. Khurda, Orissa, Pin - 751 001. • Bikaner - B.Sethia Bldg. K.E.M.Road, Mahatma Gandhi Marg, Dist. Bikaner, Rajasthan, Pin - 334 001. • Bilaspur - Raunak Bhavan, Gandhi Chowk, Opp.Govt.School, Dist.Bilaspur, Chattisg Pin - 495 001. • Burdwan - G.t. Road, Post Burdwan, Dist. Burdwan, West Bengal, Pin - 713 101. • Chandigarh - 64/65 Bank Square, Sector 17-B, Chandigarh - 160 017. • Chennai - IInd floor, 139, Broadway, Prakasam Road, Chennai - 600 108 Tamil Nadu. • Coimbatore - 235, Second Floor, Oppannakara Street Dist. Coimbatore, Coimbatore Tamil Nadu. • Davenegere - Ground Floor, Suraj Arcade, H.M. Road, Dist. Davangere, Karnataka, Pin - 577001. • Dehradun - 19-B,Rajpur Rd,P.B.No.109, Dehradun - 248001 UP. • Durgapur - Nachan Road, Bena Chitty, Durgapur, Dist. Burdwan, West Bengal, Pin - 713 213. • Erode - 381, Sathy Road, Erode, Tamil Nadu, Pin - 638 003. • Gorakhpur - Cinema Road, Dr.Khudaijis Compound Golghar, Gorakhpur Uttar Pradesh. • Guwahati - Kamrup Chamber Road, Fancy Bazar GUWAHATI Assam. • Gwalior - 8/85, Sarafa Bazar, Lashkar, Dist. Gwalior, Madhya Pradesh, Pin - 474 001. • Hisar - S.C.O. 155-156, Urban Estate - I, Near Telephone Exchange, Dist. Hissar, Haryana, Pin - 125 005. • Hoshiarpur - Kamalpur Chowk, Phagwara Road, Dist. Hoshiarpur, Punjab, Pin - 146 001. • Hubli - LIC Building, P.B. No.61, Lamington Road Hubli, Dist. Dharwad, Karnataka, Pin - 580 020. • Hyderabad - 6/1/67/14, Ground Floor, Public Garden Road, Saifabad, Hyderabad, Pin - 500 004 Hyderabad. • Indore -

stService Branch Indore, Shiv Vilas Palace Ground Floor, M.G. Road, Indore Madhya Pradesh - 452003. • Jabalpur - 1 Floor, ‘Shyam Arcade’ Malaviya Chowk, Jabalpur - 482 001. • Jaipur - 2nd Floor, Katla Purohitji, Badi Choupad, Johri Bazar. • Jalandhar - 12 PARAM MARKET OPPOSITE CIRCUIT HOUSE CIVIL LINES JALANDHAR PUNJAB . • Jalgaon - 2061, Navi Peth, Post Box No. 38, Taluka & Dist. Jalgaon, Pin - 425 001. • Jammu - Raghunath Bazar, Jammu Tawi, Dist. Jammu, Jammu & Kashmir, Pin - 180 001. • Jamshedpur - Kamani Centre, 1st Floor, Bistupur, Jamshedpur, Dist. Singhbhum(East), Jharkhand, Pin - 831 001. • Jaunpur - Mohalla Mandi Nasib Khan, Block Karanjakala, Near Vertanity Hospital, Dist. Jaunpur, Uttar Pradesh, Pin - 222 001. • Jhansi - Bhaskar Bhavan, Civil Lines, Dist. Jhansi, Uttar Pradesh, Pin - 284 001. • Jodhpur - Takiya Chand Shah Market, Outside Sojati Gate, Dist. Jodhpur, Rajasthan, Pin - 342 001. • Kanpur - 13/6, parmat, Kanpur Dist. Kanpur 208 001 Kanpur. • Karnal (Parent :Panipat TP) - Post Box No. 79, G.T. Road, Dist. Karnal, Haryana, Pin - 132 001. • KOCHI - Ground Floor, Union Bank Bhavan M.G. Road, Ernakulam 682 035 Kochi. • Kolhapur - 1411 “C”, Maya Chambers, Laxmipuri Post Box No. 12, Dist. Kolhapur. • Kolkata - ‘Allepee Court’, 1st Floor, 225 C A J C Bose Road, District Kolkata, West Bengal, Pin - 700 020. • Kota - 9, Udyog Marg, Aerodrome Circle, Dist. Kotah, Rajasthan, Pin - 324 007. • Lucknow - Near Old Basant Cinema, Computer Market, Hazratganj. • Ludhiana - Chowk Desarganj, Ludhiana 141 008. • Madurai - P.O.Box

stNo.51, Rosary Bldg., 1 Floor, Town Hall Road, • Mangalore - 1st Floor, 44/1/128, Deenar Mansion, Balmatta Road, Hampankatta, Manglore, Karnataka, Pin - 575 001. • Meerut - Begum Bridge Road, Opp. Govt.Inter College .B. No. 93, Meerut City, Uttar Pradesh. • Moradabad - Union Bank Bhavan, Opp. Kunwar Cinema, Station Rd., Budh Bazar, Dist.Moradabad Uttar Pradesh, Pin - 244 001. • Mumbai - Ground Floor, 239, Vidhan Bhavan Marg, Nariman Point, Mumbai 400 021 Maharashtra. • Mysore - 47D/47E, Ashoka Road, Mannar’s Complex, Dist. Mysore, Karnataka, Pin - 570 001. • Nagpur - V.N.Sathe Bldg.Opp Lokmat S.Wardha Rd,JanataChowk, Nagpur - 440 012. • Nanded - Sri Guru Gobind Singh Road, P.B. No. 38, Taluka & Dist. Nanded, Maharashtra, Pin - 431 601. • Nasik - Maratha Mandir, Post Box No.18,M.G. Road, Nasik - 422 001. • Nellore - D.No. 16-1-273, Thipparajuvari Street, Opp. T.V.S. Kalyan Sadan, Nellore - 524 001, Andhra Pradesh. • New Delhi - 1st Floor, M - II, Middle Circle, Connaught Circus, New Delhi - 110 001. • Panaji - Avanti Hotel Building, Rua De Ourem, Panaji, Dist. North Goa, 403 001. • Panipat - G. T. Road, Post Box No. 18, Dist. Panipat, Haryana, Pin - 132 103. • Patna - 1st Floor, Pushpak Complex, Fraser Road Patna. • Pondicherry - No.47, Jawaharlal Nehru Street, Pondicherry, Pin - 605 001. • Pune - Plot No. 285/286, Torna Road Agriculture Market Yard, Gultekdi, Pune - 411 037. • Raipur - 8/13, Shankar Nagar, Main Road, Near Chhoti Rly Crossing Raipur- 492007. • Rajkot - Pattani Building, Opp. Jubilee Garden, Mahatma Gandhi Road, Post Box No. 38, Rajkot, Gujarat, Pin - 360 001. • Ranchi - Kutchery Road, Ranchi, Dist Ranchi - 834001. • Rohtak - Jhajjar Road, Rohtak, Dist. Rohtak, Haryana, Pin - 124 001. • Salem - P.B.No.239, 75/75-A, Jambulingam Street Shevapet, Dist. Salem, Tamil Nadu, Pin - 636 002. • Satna - 1st Flr, Jay Stambh Chowk Dist.Satna, Madhya Pradesh, Pin - 485 001. • Siliguri - Krishna House, Hill-cart Road, Siliguri, Dist. Darjeeling, West Bengal, Pin - 734 401. • Sriganganagar - 18-C, Ravindra Path, Shri Ganganagar, Near Baran Mandir, Dist. Shri Ganganagar Rajasthan, Pin - 335 001. • Surat - Shivam Chambers, Khand Bazar, Varacha Road. • Tirupathi - 1-2-217, Prakasam Road, P.b. No. 4, Tirupathi, Dist. Chittoor, Andhra Pradesh, Pin - 517 501. • Tiruppur - Laxmi Bldg. 19, New Market Street, Tirupur, Dist. Tirupur, COIMBATORE Tamil Nadu, 641 604. • Trichy - P.B. No. 534, 66, West Bouleward Road, Tiruchirapalli, Tamil Nadu, Pin - 620 008. • Trivandrum - 2nd floor Union Bank Bhavan Statue Trivandrum 695001, Kerala. • Udaipur - Opp. Town Hall, Panch Sheel Marg, Dist. Udaipur, Rajasthan, Pin - 313 001. • Ujjain - Fawara Chowk, Tilak Marg, Ujjain, Dist.

rdUjjain, Madhya Pradesh, Pin - 456 001. • Vadodara - CASH MANAGEMENT SERVICE BRANCH BARODA 104, FIRST FLOOR, BBC TOWER, SAYAJIGANJ, VADODARA GUJARAT. • Varanasi - Taksal Theatre Building, 3 Floor, Nadesar Varanasi- 221 001. • Vellore - 23-D, Mundy Street, P.B. No. 150, Vellore, Dist. North Arcot Ambedkar, Tamil Nadu, Pin - 632 004. • Vijayawada - Rishabh Towers, ist floor, Convent Street, Vijayawada - 520 001. • Visakhapatnam - Door No.21-32/8,Kotha Rd, Chanlaraopeta, P.B.No.101, Visakhapatnam 530 001.

KEY INFORMATION MEMORANDUM UNION KBC TAX SAVER … · 2011-11-24 · Name of the Scheme :Union KBC...

Documents

Transcript of KEY INFORMATION MEMORANDUM UNION KBC TAX SAVER … · 2011-11-24 · Name of the Scheme :Union KBC...